1 00:00:00,520 --> 00:00:03,040 Speaker 1: Just before we get started, we'd like to acknowledge and 2 00:00:03,160 --> 00:00:06,840 Speaker 1: pay respect to Australia's Aboriginal and torrest Rate islander people's. 3 00:00:07,160 --> 00:00:10,440 Speaker 1: They're the traditional custodians of the lands, the waterways and 4 00:00:10,480 --> 00:00:13,840 Speaker 1: the skies all across Australia. We thank you for sharing 5 00:00:13,960 --> 00:00:15,280 Speaker 1: and for caring for the land. 6 00:00:15,200 --> 00:00:16,799 Speaker 2: On which we are able to learn. 7 00:00:17,160 --> 00:00:19,840 Speaker 1: We pay respects to elders past and present, and we 8 00:00:19,880 --> 00:00:21,799 Speaker 1: share our friendship and our kindness. 9 00:00:22,480 --> 00:00:46,199 Speaker 2: She's on the Money, She's on the Money. Hello, and 10 00:00:46,320 --> 00:00:48,800 Speaker 2: welcome to She's on the Money, the podcast for leales 11 00:00:48,840 --> 00:00:52,120 Speaker 2: who want financial freedom. Today's Friday, which means it's time 12 00:00:52,159 --> 00:00:53,960 Speaker 2: to sit back with the girls with a beve in hand, 13 00:00:54,000 --> 00:00:56,520 Speaker 2: to unpack our favorite moments from the week, and of 14 00:00:56,560 --> 00:00:59,960 Speaker 2: course to celebrate you the incredible She's on the Money community, 15 00:01:00,320 --> 00:01:03,480 Speaker 2: as always, will be sharing our money wins. And it's 16 00:01:03,560 --> 00:01:06,120 Speaker 2: just me and G this week, so know what that means. 17 00:01:06,240 --> 00:01:08,920 Speaker 2: It's time for G and JQ and A. We're back. 18 00:01:09,000 --> 00:01:12,119 Speaker 2: We're going to answer your questions. Nobody's fired us yet, 19 00:01:12,560 --> 00:01:16,560 Speaker 2: so it seems like going, well, where's Victoria today? Poor dog, 20 00:01:16,680 --> 00:01:19,880 Speaker 2: she's sick, so you've just got us. I'm very sorry, 21 00:01:19,959 --> 00:01:23,399 Speaker 2: but hopefully we can answer some cues, have a good 22 00:01:23,440 --> 00:01:25,800 Speaker 2: time and chat about the week that was exactly right. 23 00:01:25,920 --> 00:01:28,520 Speaker 3: No financial advice will be given, obviously, because we're just 24 00:01:28,560 --> 00:01:32,120 Speaker 3: two girls with big hearts, big dreams, but no financial qualifications. 25 00:01:32,160 --> 00:01:35,200 Speaker 2: So here we are, Jay Rick. What happened on Monday 26 00:01:35,280 --> 00:01:38,160 Speaker 2: this week? So this week's DIRIS was a really fun one. 27 00:01:38,200 --> 00:01:41,240 Speaker 2: When we got the briefing sheet from our producer, An 28 00:01:41,319 --> 00:01:44,800 Speaker 2: Lisa Victoria and I were both just like what it 29 00:01:44,880 --> 00:01:47,480 Speaker 2: was someone who had been working as an undercover cop. 30 00:01:47,760 --> 00:01:51,640 Speaker 2: Oh my god? Cool? Right, yeah, very very cool. She 31 00:01:51,720 --> 00:01:53,600 Speaker 2: had worked as an undercover cop for a number of 32 00:01:53,680 --> 00:01:56,800 Speaker 2: years and then took leave without pay because understandably, coming 33 00:01:56,800 --> 00:01:58,880 Speaker 2: back from that she had felt a little bit burnt out. 34 00:01:59,360 --> 00:02:02,000 Speaker 2: And in the inn trim she did a number of things. 35 00:02:02,080 --> 00:02:05,360 Speaker 2: She bought a van, traveled Australia, ran into a few 36 00:02:05,800 --> 00:02:08,079 Speaker 2: minor issues with that, including the van breaking down in 37 00:02:08,120 --> 00:02:10,600 Speaker 2: the middle of nowhere, right of passage. I feel, yeah, 38 00:02:10,600 --> 00:02:12,160 Speaker 2: I was gonna say, I don't know if anyone's ever 39 00:02:12,200 --> 00:02:14,320 Speaker 2: bought a van to travel Australia and not how to 40 00:02:14,360 --> 00:02:17,919 Speaker 2: break down, so classic. And then she started her own business, 41 00:02:17,960 --> 00:02:20,880 Speaker 2: which is really cool. So she's running that she's going 42 00:02:20,960 --> 00:02:23,280 Speaker 2: to take that full time, which is awesome to see. 43 00:02:23,480 --> 00:02:25,120 Speaker 2: You know that we're all about small beers here, so 44 00:02:25,240 --> 00:02:27,520 Speaker 2: we love to see that, and just some really cool 45 00:02:27,560 --> 00:02:29,799 Speaker 2: also insight into a job that I feel like you 46 00:02:29,880 --> 00:02:32,240 Speaker 2: never hear anything about. Yeah, did you get the goss? 47 00:02:32,240 --> 00:02:32,320 Speaker 3: Like? 48 00:02:32,400 --> 00:02:35,080 Speaker 2: Ask lots of interesting questions about it? We did. Obviously, 49 00:02:35,120 --> 00:02:38,280 Speaker 2: there are really significant limitations on what she could share 50 00:02:38,600 --> 00:02:40,640 Speaker 2: some of her I guess the cases that she were 51 00:02:40,680 --> 00:02:43,600 Speaker 2: involved in are still going through the court system and 52 00:02:44,120 --> 00:02:47,720 Speaker 2: I know, right, so not heaps of goss, but all 53 00:02:47,720 --> 00:02:51,359 Speaker 2: the rid of goss, so super duper interesting. I would 54 00:02:51,440 --> 00:02:53,840 Speaker 2: really recommend to listen as always, But gee, whatuld you 55 00:02:53,840 --> 00:02:54,840 Speaker 2: guys talk about? A Wednesday? 56 00:02:54,919 --> 00:02:57,880 Speaker 3: So this week Jay Rick, we discussed what to consider 57 00:02:58,000 --> 00:03:01,080 Speaker 3: when deciding whether to purchase property, if it's something you 58 00:03:01,080 --> 00:03:03,840 Speaker 3: should wait to do. So we spoke about things like inflation, 59 00:03:04,240 --> 00:03:06,440 Speaker 3: the grants that are currently available to first home buyers 60 00:03:06,440 --> 00:03:10,359 Speaker 3: all over the country, how houses compare to apartments as investments, 61 00:03:10,600 --> 00:03:12,760 Speaker 3: and we spoke about land and how that's usually the 62 00:03:12,760 --> 00:03:15,800 Speaker 3: most valuable asset in the whole home and land peace. 63 00:03:15,960 --> 00:03:18,400 Speaker 3: Oh yes, so it was. Yeah, it was really interesting. 64 00:03:18,440 --> 00:03:21,000 Speaker 3: But I feel like the moral of the story was 65 00:03:21,000 --> 00:03:24,080 Speaker 3: that basically, the best time to buy isn't determined by 66 00:03:24,080 --> 00:03:26,679 Speaker 3: the market, It's determined by when's right for you, much 67 00:03:26,760 --> 00:03:29,720 Speaker 3: like entering the share market. We can't read these things. 68 00:03:30,000 --> 00:03:33,360 Speaker 3: Things change. So yeah, it was just another good property chat. 69 00:03:33,440 --> 00:03:35,880 Speaker 3: But if you are someone who is interested in property, 70 00:03:35,880 --> 00:03:38,880 Speaker 3: we do have a whole Property Playbook podcast, so have 71 00:03:38,920 --> 00:03:41,560 Speaker 3: a listen to that as well as Wednesday's fabulous episode. 72 00:03:41,560 --> 00:03:44,000 Speaker 3: Oh my gosh, Yes, I am all about the property. 73 00:03:44,160 --> 00:03:46,040 Speaker 3: We love to know a little bit more. As you 74 00:03:46,040 --> 00:03:46,440 Speaker 3: guys know. 75 00:03:46,800 --> 00:03:48,720 Speaker 2: I'm super into it personally, and we know a lot 76 00:03:48,760 --> 00:03:50,840 Speaker 2: of you guys are as well, So definitely check that out. 77 00:03:50,880 --> 00:03:52,600 Speaker 2: Check out the Property Playbook, which we'll be coming back 78 00:03:52,600 --> 00:03:55,480 Speaker 2: for season two later this year. Very exciting. But any 79 00:03:55,480 --> 00:03:59,840 Speaker 2: what else is exciting? George King? Oh, segue the money way, 80 00:04:01,000 --> 00:04:03,480 Speaker 2: She's good, she's approach. She's done at four. Yes, the 81 00:04:03,520 --> 00:04:06,000 Speaker 2: budget direct money wins. We love to see them. What 82 00:04:06,080 --> 00:04:07,560 Speaker 2: have you got for me? Eation every week? All right? 83 00:04:07,600 --> 00:04:10,480 Speaker 3: The first one comes from June money Win. My daughter 84 00:04:10,680 --> 00:04:12,800 Speaker 3: was buying her first car and she had seven thousand 85 00:04:12,840 --> 00:04:16,000 Speaker 3: dollars in cold hard cash. The car we found that 86 00:04:16,120 --> 00:04:19,120 Speaker 3: was her favorite was eighty five hundred, so a little 87 00:04:19,160 --> 00:04:21,760 Speaker 3: out of the budget. But we offered seven thousand dollars 88 00:04:21,760 --> 00:04:25,920 Speaker 3: cash on the spot and she got it. She's asome 89 00:04:26,000 --> 00:04:29,599 Speaker 3: awesome win. The next win comes from Jakoder. After being 90 00:04:29,640 --> 00:04:32,120 Speaker 3: unemployed for two months, I took a bunch needed break 91 00:04:32,160 --> 00:04:34,559 Speaker 3: for my mental health. I start a new job today 92 00:04:34,600 --> 00:04:37,279 Speaker 3: in a government role. It's a thirty dollar hourly rate 93 00:04:37,360 --> 00:04:40,120 Speaker 3: plus super, which is pretty good for a twenty year old. 94 00:04:40,240 --> 00:04:42,600 Speaker 3: It's four month contracts, but I think I'll smash this one, 95 00:04:42,640 --> 00:04:45,040 Speaker 3: and I'm hoping they extend my contract. Well it's done, 96 00:04:45,120 --> 00:04:49,400 Speaker 3: Jay Coder, good luck. The next win here Jay comes 97 00:04:49,400 --> 00:04:52,839 Speaker 3: from Jane. After noticing that our car insurances have gone 98 00:04:52,920 --> 00:04:55,159 Speaker 3: up thirty dollars a month for each car, two cars 99 00:04:55,480 --> 00:04:58,200 Speaker 3: and never making a claim, I finally got a chance 100 00:04:58,240 --> 00:05:00,560 Speaker 3: to try and shop around for some new quotes. I 101 00:05:00,600 --> 00:05:02,960 Speaker 3: eventually managed to secure some that are fifty dollars a 102 00:05:03,000 --> 00:05:05,359 Speaker 3: month cheaper for each car than what we were about 103 00:05:05,360 --> 00:05:08,880 Speaker 3: to pay. Yes, it took lots of time, emails, phone calls, 104 00:05:08,880 --> 00:05:10,960 Speaker 3: but the savings in the long run are worth it. 105 00:05:11,160 --> 00:05:13,200 Speaker 2: I feel like Victoria would approve with that. Oh my gosh, 106 00:05:13,200 --> 00:05:14,640 Speaker 2: that's such a good one. And if you're someone who 107 00:05:14,640 --> 00:05:17,040 Speaker 2: gets nervous on the phone. We have that handy dandy 108 00:05:17,040 --> 00:05:18,640 Speaker 2: guide on the ses and the money website on how 109 00:05:18,640 --> 00:05:21,320 Speaker 2: to snag yourself a better deal with your car, your phone, 110 00:05:21,680 --> 00:05:24,360 Speaker 2: anything you're paying a lot for because they jack up 111 00:05:24,360 --> 00:05:26,520 Speaker 2: the price and hope that you don't. 112 00:05:26,279 --> 00:05:28,960 Speaker 3: Say anything, and most people don't. Yeah, so says funny Phone. 113 00:05:29,839 --> 00:05:32,200 Speaker 3: The next week, it comes from Nicola money Win. I 114 00:05:32,320 --> 00:05:34,480 Speaker 3: was due for some new gym shoes, but have recently 115 00:05:34,480 --> 00:05:37,960 Speaker 3: spent a little too much money on post breakup retail therapy. 116 00:05:38,279 --> 00:05:40,479 Speaker 3: We hear you, Nicola. I hope you're doing okay. But 117 00:05:40,560 --> 00:05:42,279 Speaker 3: it was my birthday last week and I got a 118 00:05:42,320 --> 00:05:44,440 Speaker 3: fifty dollar vouch of for The Iconic from my cousin 119 00:05:44,600 --> 00:05:47,599 Speaker 3: plus a twenty percent off birthday code from the Iconic. 120 00:05:47,960 --> 00:05:49,679 Speaker 3: This meant I was able to get a one hundred 121 00:05:49,680 --> 00:05:52,440 Speaker 3: dollar pair of new balanced shoes for thirty dollars instead 122 00:05:52,440 --> 00:05:54,160 Speaker 3: of one hundred amazing. 123 00:05:54,440 --> 00:05:56,800 Speaker 2: I love the Iconic. In this office, we do, we don't. 124 00:05:57,080 --> 00:05:59,120 Speaker 3: And the next win comes from Kiri Lee money Win. 125 00:05:59,200 --> 00:06:01,560 Speaker 3: I finally reach my goal of a three thousand dollar 126 00:06:01,640 --> 00:06:04,480 Speaker 3: emergency fund as a chronic explourge art. This is a 127 00:06:04,600 --> 00:06:07,560 Speaker 3: huge deal for me. I've also saved twenty nine dollars 128 00:06:07,720 --> 00:06:10,440 Speaker 3: ninety four just from roundups, which is going towards my 129 00:06:10,520 --> 00:06:13,120 Speaker 3: travel fund so I can go overseas next year. Each 130 00:06:13,160 --> 00:06:16,360 Speaker 3: and every little bit counts. Love that Jamie is our 131 00:06:16,400 --> 00:06:18,520 Speaker 3: next win here. I applied for a job that I 132 00:06:18,560 --> 00:06:20,920 Speaker 3: didn't meet all of the criteria for and I still 133 00:06:20,960 --> 00:06:23,159 Speaker 3: got it. I just tripled my income and I'm so 134 00:06:23,240 --> 00:06:24,080 Speaker 3: excited to start. 135 00:06:24,120 --> 00:06:28,520 Speaker 2: How good's the hack crippled? That is wild? 136 00:06:28,960 --> 00:06:31,679 Speaker 3: And we love to see the ladies applying for jobs 137 00:06:31,720 --> 00:06:34,039 Speaker 3: that they maybe aren't as qualified for because we know 138 00:06:34,279 --> 00:06:36,040 Speaker 3: men love to do that. Yeah, so we should have 139 00:06:36,080 --> 00:06:39,000 Speaker 3: a shame exactly right. The next win hit Jess comes 140 00:06:39,000 --> 00:06:41,800 Speaker 3: from Imagen. Lost for today, but a huge win for 141 00:06:41,839 --> 00:06:44,800 Speaker 3: future me. I went to a financial advisor for my insurances. 142 00:06:44,960 --> 00:06:45,360 Speaker 2: Thank you. 143 00:06:45,440 --> 00:06:48,080 Speaker 3: She's on the money for suggesting an amazing one. I 144 00:06:48,120 --> 00:06:50,880 Speaker 3: thought my life insurance within my super was enough, but 145 00:06:50,960 --> 00:06:54,040 Speaker 3: now I can rest easy with TPD trauma income and 146 00:06:54,080 --> 00:06:58,160 Speaker 3: life insurance that's personalized to me, all for far less 147 00:06:58,200 --> 00:07:00,599 Speaker 3: than I was expecting. I'm starting to feel like a 148 00:07:00,640 --> 00:07:02,159 Speaker 3: financially secure adult. 149 00:07:02,520 --> 00:07:06,039 Speaker 2: Yeah, queen, And if you do need an advisor again, 150 00:07:06,240 --> 00:07:08,360 Speaker 2: not plug website, but we have a form on there 151 00:07:08,400 --> 00:07:10,760 Speaker 2: you can fill out, give us all of your information 152 00:07:10,840 --> 00:07:12,600 Speaker 2: and we will find you the person who is the 153 00:07:12,640 --> 00:07:14,880 Speaker 2: right fit for you. Because you're painful. It can be 154 00:07:14,920 --> 00:07:17,040 Speaker 2: really overwhelming, I think, trying to find the right person 155 00:07:17,080 --> 00:07:19,080 Speaker 2: and are they nice and do they get me? And 156 00:07:19,120 --> 00:07:20,960 Speaker 2: are they going to judge me? So we have a 157 00:07:21,000 --> 00:07:23,880 Speaker 2: network of people that we really love and really appreciate 158 00:07:23,920 --> 00:07:26,600 Speaker 2: and recommend if you are looking for someone. And one 159 00:07:26,640 --> 00:07:30,120 Speaker 2: of our advisors obviously did my insurances and they were fantastic. 160 00:07:30,200 --> 00:07:32,200 Speaker 2: So can't say enough good things. Amazing. 161 00:07:32,600 --> 00:07:35,760 Speaker 3: The last win here just is from Yona. On the 162 00:07:35,840 --> 00:07:38,680 Speaker 3: one year and one week anniversary of me returning to 163 00:07:38,720 --> 00:07:41,000 Speaker 3: work from Matt leave, I was told that I had 164 00:07:41,000 --> 00:07:43,920 Speaker 3: been successful in securing a higher role at my work. 165 00:07:44,240 --> 00:07:46,800 Speaker 3: This will be my third pay rise slash level up 166 00:07:46,840 --> 00:07:49,640 Speaker 3: since returning to work, while my spending has remained the same. 167 00:07:50,000 --> 00:07:52,600 Speaker 3: I'm looking forward to smashing down my debt faster and 168 00:07:52,800 --> 00:07:55,480 Speaker 3: on a personal win level, I'm so grateful that I've 169 00:07:55,480 --> 00:07:58,280 Speaker 3: been able to start a family while still progressing my 170 00:07:58,360 --> 00:08:00,720 Speaker 3: career and staying on top of my fone and answers. Oh. 171 00:08:00,840 --> 00:08:03,080 Speaker 2: I love that God as days where women have to 172 00:08:03,120 --> 00:08:05,400 Speaker 2: choose between a family or their career. You really can 173 00:08:05,480 --> 00:08:07,840 Speaker 2: have it all. Well, it has been great celebrating some 174 00:08:07,920 --> 00:08:09,920 Speaker 2: of your budget Direct money wins with you this week, 175 00:08:10,720 --> 00:08:13,840 Speaker 2: but for award winning insurance Search budget Direct, Budget Direct 176 00:08:13,920 --> 00:08:16,480 Speaker 2: Insurance Solved stunning. Shall we go to a little break, JR. 177 00:08:16,640 --> 00:08:24,400 Speaker 2: Let's do it clean? Alrighty, we're back. It's time for 178 00:08:24,440 --> 00:08:26,440 Speaker 2: the G and JQ and A. Here we are again. 179 00:08:26,480 --> 00:08:28,280 Speaker 2: I'm so excited. I wish we had a jingle, La 180 00:08:28,400 --> 00:08:32,400 Speaker 2: la la la. Maybe we could work on one. We 181 00:08:32,440 --> 00:08:34,240 Speaker 2: don't do it often enough. I don't think to warrant 182 00:08:34,240 --> 00:08:37,800 Speaker 2: our own intro. But that's okay. Just imagine, George, I'm 183 00:08:37,840 --> 00:08:39,280 Speaker 2: going to come in hot with a question we get 184 00:08:39,320 --> 00:08:41,720 Speaker 2: all the time because you're not always in the office. 185 00:08:41,840 --> 00:08:45,240 Speaker 2: It's true, and people go, where's Georgia Gun? She's been fired? 186 00:08:45,559 --> 00:08:49,160 Speaker 2: We would simply never, absolutely not. But George, what is 187 00:08:49,200 --> 00:08:51,200 Speaker 2: your other job do you tell about? 188 00:08:51,679 --> 00:08:54,840 Speaker 3: It's bless everyone for being curious. Everyone, No one is 189 00:08:55,000 --> 00:08:58,480 Speaker 3: of three people are so when I'm not at She's 190 00:08:58,600 --> 00:09:03,880 Speaker 3: on the money, I at Fox Sports. I hilariously am 191 00:09:04,040 --> 00:09:05,840 Speaker 3: a social media producer. 192 00:09:06,520 --> 00:09:07,320 Speaker 2: Do you mean hilarious? 193 00:09:07,320 --> 00:09:07,520 Speaker 1: Well? 194 00:09:07,720 --> 00:09:10,600 Speaker 2: Longtime listeners to the pod will know that social media 195 00:09:10,640 --> 00:09:13,479 Speaker 2: and George are not the best of friends. 196 00:09:13,800 --> 00:09:16,439 Speaker 3: But it's less about you know, pretending your life is 197 00:09:16,640 --> 00:09:18,440 Speaker 3: that which you do not lead, and it's more about 198 00:09:18,520 --> 00:09:23,000 Speaker 3: promoting the company. And I work mainly at Fox Footy, 199 00:09:23,600 --> 00:09:27,360 Speaker 3: so you know, cutting clips of the games, writing snappy captions, all. 200 00:09:27,240 --> 00:09:28,120 Speaker 2: Of that kind of jazz. 201 00:09:28,280 --> 00:09:31,079 Speaker 3: You love your sports, but I do, yeah, which people 202 00:09:31,080 --> 00:09:33,640 Speaker 3: find surprising as well. I don't know why I'm a 203 00:09:33,679 --> 00:09:36,839 Speaker 3: sporty woman. So yeah, that's what I do when I'm 204 00:09:36,880 --> 00:09:40,520 Speaker 3: not at STOM. So I'm a busy gal, but love 205 00:09:40,640 --> 00:09:42,760 Speaker 3: each and every day of my life. 206 00:09:42,880 --> 00:09:45,840 Speaker 2: Yep, moving on. You sounded like you really meant that 207 00:09:46,000 --> 00:09:49,320 Speaker 2: as well. Speaking of the office, someone asked what is 208 00:09:49,360 --> 00:09:51,280 Speaker 2: your dream office item? And I don't know why, but 209 00:09:51,320 --> 00:09:53,280 Speaker 2: I really liked that question, Like, if you're going to 210 00:09:53,320 --> 00:09:56,680 Speaker 2: put one thing in an office, our office, theoretically, what 211 00:09:56,720 --> 00:09:57,199 Speaker 2: would it be. 212 00:09:57,360 --> 00:09:59,559 Speaker 3: Well, I feel like the She's on the Money office 213 00:09:59,640 --> 00:10:01,520 Speaker 3: is all already quite the dream office. 214 00:10:01,800 --> 00:10:03,280 Speaker 2: We've got the gorgeous artwork. 215 00:10:03,440 --> 00:10:05,480 Speaker 3: V was telling me the other week about some electric 216 00:10:05,520 --> 00:10:08,480 Speaker 3: blankets you guys have installed. You have electric blankets and 217 00:10:08,520 --> 00:10:13,760 Speaker 3: your chairs. But the dream office item, I mean probably 218 00:10:13,840 --> 00:10:17,080 Speaker 3: just like a really snazzy espresso machine. 219 00:10:17,160 --> 00:10:20,079 Speaker 2: I'm basic, but yeah, yeah, there's one of them upstairs 220 00:10:20,120 --> 00:10:21,719 Speaker 2: that you do have to walk up two piunds of 221 00:10:21,720 --> 00:10:24,280 Speaker 2: stairs or take an elevator to get there, which is 222 00:10:24,360 --> 00:10:24,920 Speaker 2: arguably true. 223 00:10:24,960 --> 00:10:27,280 Speaker 3: Who's got the time? Yeah, how would you answer that question? 224 00:10:27,720 --> 00:10:30,760 Speaker 3: I really would love a slurpy machine. Oh okay, because 225 00:10:30,800 --> 00:10:32,319 Speaker 3: I don't drink coffee. If you used to tell a shit, 226 00:10:32,320 --> 00:10:34,040 Speaker 3: you know, I'm a hot chucky gal. But to be honest, 227 00:10:34,040 --> 00:10:36,600 Speaker 3: I don't drink them all that often. But there's good 228 00:10:36,600 --> 00:10:38,719 Speaker 3: slurpy machines and bad slurpy machines, Like you know how 229 00:10:38,720 --> 00:10:41,880 Speaker 3: you can get the at Kmart. You can get like 230 00:10:42,000 --> 00:10:44,360 Speaker 3: churro and popcorn, and I'm pretty sure they have an 231 00:10:44,400 --> 00:10:45,680 Speaker 3: ice icy maker. 232 00:10:46,280 --> 00:10:48,600 Speaker 2: Not great, not the same. No, Like, I love like 233 00:10:48,640 --> 00:10:53,560 Speaker 2: a seven eleven coke slurpy with raspberry mixed in layers, layers, layers, 234 00:10:53,640 --> 00:10:56,920 Speaker 2: right raspberry on the top. This could excite you. My 235 00:10:57,200 --> 00:11:01,480 Speaker 2: family used to have a slurpy shit actual proper. My 236 00:11:01,800 --> 00:11:05,240 Speaker 2: dad likes to buy silly, silly things that no one needs. 237 00:11:05,280 --> 00:11:07,319 Speaker 2: I know, we bought it for like someone's eighteenth or something, 238 00:11:07,360 --> 00:11:07,640 Speaker 2: and it. 239 00:11:07,600 --> 00:11:11,680 Speaker 3: Was so cool and we'd put like vodka in there, yes, 240 00:11:11,720 --> 00:11:13,120 Speaker 3: but it's no longer with us so. 241 00:11:14,840 --> 00:11:17,520 Speaker 2: Maine. Oh my god, that's very cool. I didn't even 242 00:11:17,600 --> 00:11:19,719 Speaker 2: know that you could get like big proper ones. You 243 00:11:19,840 --> 00:11:22,200 Speaker 2: really can. Let me hit you with a financi question 244 00:11:22,400 --> 00:11:25,560 Speaker 2: so people don't turn off the podcast. Sure, someone asked 245 00:11:26,240 --> 00:11:29,560 Speaker 2: either of you opened property investing, why or why not? 246 00:11:30,200 --> 00:11:34,960 Speaker 3: M I mean I certainly would be if I had 247 00:11:34,960 --> 00:11:38,880 Speaker 3: the money. I guess we've seen over time how much 248 00:11:38,920 --> 00:11:42,360 Speaker 3: property does grow over over the journey. I mean currently 249 00:11:42,679 --> 00:11:45,079 Speaker 3: if we look at how expensive. 250 00:11:46,200 --> 00:11:46,640 Speaker 2: Exactly. 251 00:11:47,040 --> 00:11:49,199 Speaker 3: But I can't see myself ever really getting in there 252 00:11:49,320 --> 00:11:50,839 Speaker 3: beyond having my own home. 253 00:11:51,360 --> 00:11:53,200 Speaker 2: But who knows? What about you, j Rick? I would 254 00:11:53,240 --> 00:11:56,600 Speaker 2: love to. I think it's interesting because property investment is 255 00:11:56,679 --> 00:11:59,960 Speaker 2: quite contentious. I've noticed with some people being like it's 256 00:12:00,120 --> 00:12:02,880 Speaker 2: the only way to build wealth and some people being like, 257 00:12:03,360 --> 00:12:07,319 Speaker 2: screw the landlords, they're all assholes. It's really polarizing, which 258 00:12:07,360 --> 00:12:10,520 Speaker 2: I didn't anticipate it ever, being I've only ever had 259 00:12:10,640 --> 00:12:13,520 Speaker 2: relatively good experiences with my landlords. We're in our current place, 260 00:12:13,559 --> 00:12:15,800 Speaker 2: we've been there three years. They haven't raised the rent once, 261 00:12:15,960 --> 00:12:18,600 Speaker 2: haven't even mentioned it. You know. I think that you 262 00:12:18,640 --> 00:12:23,000 Speaker 2: can definitely be a landlord without being a jerk. Just 263 00:12:23,480 --> 00:12:26,120 Speaker 2: people need to rent property, and I mean if that 264 00:12:26,200 --> 00:12:28,960 Speaker 2: money is going to an individual rather than a big corporation, 265 00:12:29,360 --> 00:12:31,440 Speaker 2: I'm not mad about it, as long as they're obviously 266 00:12:31,480 --> 00:12:34,600 Speaker 2: not doing the wrong thing or discriminating or making your 267 00:12:34,640 --> 00:12:37,839 Speaker 2: life really hard. But yeah, same as you, I am 268 00:12:37,920 --> 00:12:42,000 Speaker 2: prioritizing personally an owner occupied property. I want to live 269 00:12:42,000 --> 00:12:45,559 Speaker 2: in a home. That's what I want in an ideal world. 270 00:12:46,240 --> 00:12:48,320 Speaker 2: That home isn't my for over home, and when I 271 00:12:48,360 --> 00:12:49,760 Speaker 2: move to the next one, I'd love to be able 272 00:12:49,760 --> 00:12:51,360 Speaker 2: to keep it as an investment, but it's all going 273 00:12:51,400 --> 00:12:54,959 Speaker 2: to depend on financing exactly what everything looks like down 274 00:12:55,040 --> 00:12:57,959 Speaker 2: the track, So absolutely into it whether or not I 275 00:12:58,040 --> 00:13:01,520 Speaker 2: can afford it. Hold different kettle of Joe, Rick, I 276 00:13:01,559 --> 00:13:02,760 Speaker 2: have a question for you. 277 00:13:03,280 --> 00:13:07,360 Speaker 3: My girl Kate has asked how your house buying journey 278 00:13:07,400 --> 00:13:07,880 Speaker 3: is going. 279 00:13:07,920 --> 00:13:10,440 Speaker 2: Where are we at? Not much further along than we 280 00:13:10,440 --> 00:13:12,960 Speaker 2: were last time. I was asked for being okay, tell me, like, 281 00:13:13,000 --> 00:13:14,319 Speaker 2: what are the hold ups? What do we go? 282 00:13:14,400 --> 00:13:14,480 Speaker 3: So? 283 00:13:15,040 --> 00:13:18,560 Speaker 2: I am looking to build because for the grants that 284 00:13:18,640 --> 00:13:22,080 Speaker 2: I qualify for, I need to move into a brand 285 00:13:22,240 --> 00:13:25,640 Speaker 2: new property and in the area I'm looking at purchasing 286 00:13:25,760 --> 00:13:29,320 Speaker 2: a brand new, pre built property versus building your own, 287 00:13:29,640 --> 00:13:32,439 Speaker 2: costs are pretty much same same, So I figured I 288 00:13:32,480 --> 00:13:34,720 Speaker 2: might as well build and get exactly what I want, 289 00:13:35,160 --> 00:13:38,320 Speaker 2: rather than purchasing something and needing to make some cosmetic changes. 290 00:13:38,760 --> 00:13:42,680 Speaker 2: But turns out Land is growing at an exponential rate 291 00:13:42,760 --> 00:13:45,520 Speaker 2: in terms of value, and so I'm looking at an 292 00:13:45,520 --> 00:13:48,000 Speaker 2: area quite far outside the city. I had a mortgage 293 00:13:48,000 --> 00:13:50,439 Speaker 2: broker say to me, maybe you should set your expectations 294 00:13:50,440 --> 00:13:52,040 Speaker 2: a little bit lower, and I was like, so, like, 295 00:13:52,080 --> 00:13:54,720 Speaker 2: I'm looking an hour outside little city. Yeah. Yeah, it 296 00:13:54,800 --> 00:13:57,240 Speaker 2: was a male. He also told me I probably should 297 00:13:57,240 --> 00:13:59,000 Speaker 2: maybe think about getting a boyfriend. Jokes on, he might 298 00:13:59,040 --> 00:14:03,880 Speaker 2: already have one, choking. Yeah, funnily enough, not my broker anymore. 299 00:14:05,160 --> 00:14:07,760 Speaker 2: But so, yeah, it's really hard because I'm trying to 300 00:14:07,760 --> 00:14:10,079 Speaker 2: do it by myself. So I can only get a 301 00:14:10,080 --> 00:14:11,800 Speaker 2: certain amount of money, and it's a pretty good amount 302 00:14:11,800 --> 00:14:14,080 Speaker 2: of money that I qualify for. I have a good deposit. 303 00:14:14,600 --> 00:14:17,640 Speaker 2: But Land, even since I started kind of looking into things, 304 00:14:18,080 --> 00:14:20,920 Speaker 2: you know, six to twelve months ago, has grown in 305 00:14:21,040 --> 00:14:24,080 Speaker 2: value so quickly, and it's so expensive, and it's really 306 00:14:24,120 --> 00:14:27,800 Speaker 2: disheartening when I go, Okay, well, I can afford the 307 00:14:27,880 --> 00:14:29,680 Speaker 2: land or I can afford to put a house on it, 308 00:14:29,680 --> 00:14:32,680 Speaker 2: but right now I can't really do both. Hich is 309 00:14:32,760 --> 00:14:36,200 Speaker 2: really sad. If I'm being honest, It's not very fun 310 00:14:36,400 --> 00:14:38,360 Speaker 2: to go, Oh my god, I thought I was ready, 311 00:14:38,360 --> 00:14:39,840 Speaker 2: I thought I was there, I was all set to go, 312 00:14:39,960 --> 00:14:42,480 Speaker 2: and then it feels like the goalpost has just moved. 313 00:14:42,840 --> 00:14:44,840 Speaker 2: And I'm sure I'm not the only person feeling that way. 314 00:14:44,840 --> 00:14:48,080 Speaker 2: It's really tough right now. But yeah, so kind of 315 00:14:48,120 --> 00:14:51,280 Speaker 2: just still keeping in touch with my current broker, who 316 00:14:51,320 --> 00:14:54,160 Speaker 2: is incredible. She's one of our brokers and she literally 317 00:14:54,280 --> 00:14:56,560 Speaker 2: is the best. So at the moment, I'm just kind 318 00:14:56,600 --> 00:15:00,000 Speaker 2: of keeping an eye on land prices, hoping to maybe 319 00:15:00,080 --> 00:15:02,760 Speaker 2: see a bit of a shift, but also like not 320 00:15:02,800 --> 00:15:04,480 Speaker 2: getting my hoops up too far because I feel like 321 00:15:04,560 --> 00:15:07,040 Speaker 2: that's kind of what I did and now I'm feeling 322 00:15:07,040 --> 00:15:07,680 Speaker 2: a little bit sad. 323 00:15:07,760 --> 00:15:12,720 Speaker 3: Okay, So why building rather than just buying an existing property. 324 00:15:12,800 --> 00:15:15,200 Speaker 2: It is because of like that cost thing a right, Like, 325 00:15:15,280 --> 00:15:17,240 Speaker 2: so it's the same like if I was looking to 326 00:15:17,280 --> 00:15:20,240 Speaker 2: purchase a new property in the area that I'm looking in, 327 00:15:20,800 --> 00:15:22,800 Speaker 2: it would cost me about the same, okay, And so 328 00:15:22,880 --> 00:15:24,440 Speaker 2: that's the thing is I'm like, well, if it's going 329 00:15:24,520 --> 00:15:26,920 Speaker 2: to cost me the same. Yeah, you know, I would 330 00:15:26,960 --> 00:15:28,360 Speaker 2: rather just have it be the way that I want. 331 00:15:28,360 --> 00:15:30,360 Speaker 2: As you guys know, I'm a little bit picky if 332 00:15:30,400 --> 00:15:33,000 Speaker 2: your lifestyle like and so I was like, even if 333 00:15:33,040 --> 00:15:35,560 Speaker 2: I did purchase something established, I would be more than 334 00:15:35,680 --> 00:15:38,440 Speaker 2: likely making changes to it, which is fine, happy to 335 00:15:38,440 --> 00:15:40,040 Speaker 2: do it. Oh my god, I'd actually love to run 336 00:15:40,120 --> 00:15:44,120 Speaker 2: a property. That would be so much fun. But yeah, 337 00:15:44,280 --> 00:15:46,000 Speaker 2: I was kind of like, well, I might as well build, 338 00:15:46,200 --> 00:15:48,160 Speaker 2: Like if a property came up established and I am 339 00:15:48,240 --> 00:15:50,880 Speaker 2: keeping an eye on it for the right price, would 340 00:15:50,920 --> 00:15:53,560 Speaker 2: be more than helpy to jump in that way. But yeah, 341 00:15:53,600 --> 00:15:56,040 Speaker 2: it's kind of just at the moment. I can't have 342 00:15:56,120 --> 00:15:57,040 Speaker 2: want anything. 343 00:15:58,400 --> 00:16:03,200 Speaker 3: You don't j here's a lovely question from Lisa. How 344 00:16:03,200 --> 00:16:06,280 Speaker 3: can I try and not compare my financial lack of 345 00:16:06,320 --> 00:16:08,200 Speaker 3: success with others' success? 346 00:16:08,360 --> 00:16:10,240 Speaker 2: Oh? Good one coming off the back of that, Oh 347 00:16:10,400 --> 00:16:14,840 Speaker 2: very nice. I think you know what, You're allowed on 348 00:16:14,880 --> 00:16:17,960 Speaker 2: some level to compare yourself, because I think it's easier 349 00:16:18,000 --> 00:16:20,120 Speaker 2: said than done to say, just don't look at what 350 00:16:20,120 --> 00:16:23,400 Speaker 2: other people are doing. Run your own race. In theory perfection, 351 00:16:23,840 --> 00:16:26,360 Speaker 2: but in practice it's not gonna happen. Not in the 352 00:16:26,440 --> 00:16:28,400 Speaker 2: day and age that we live in where everyone's sharing, 353 00:16:29,040 --> 00:16:32,160 Speaker 2: you know, their wins online, wins in the Facebook group, 354 00:16:32,400 --> 00:16:36,000 Speaker 2: Instagram whatever. It can be hard, and like I've fallen 355 00:16:36,000 --> 00:16:37,800 Speaker 2: into that trap. I know a lot of other people 356 00:16:37,880 --> 00:16:40,320 Speaker 2: who have. But I think just giving yourself a moment 357 00:16:40,360 --> 00:16:44,240 Speaker 2: and being like their success or them being successful doesn't 358 00:16:44,240 --> 00:16:46,880 Speaker 2: mean that I can't be as well. Like, just because 359 00:16:46,920 --> 00:16:49,480 Speaker 2: you've achieved your dream doesn't mean that there's no room 360 00:16:49,520 --> 00:16:52,160 Speaker 2: for me to achieve mine. And I think as well, 361 00:16:52,200 --> 00:16:56,000 Speaker 2: just recognizing that priorities have shifted. You know, like twenty 362 00:16:56,040 --> 00:16:58,360 Speaker 2: years ago, yeah, you'd have bought a house by the 363 00:16:58,360 --> 00:17:01,920 Speaker 2: age of twenty one. Also, if you're a woman, you 364 00:17:02,000 --> 00:17:05,680 Speaker 2: probably weren't having a career. You probably maybe twenty years 365 00:17:05,720 --> 00:17:07,600 Speaker 2: is a bit long, but you know, fifty years ago, 366 00:17:07,680 --> 00:17:09,440 Speaker 2: let's say there are a lot of things that we 367 00:17:09,440 --> 00:17:11,080 Speaker 2: weren't able to do. So it's kind of like a 368 00:17:11,119 --> 00:17:13,560 Speaker 2: give and go, Like we have things and opportunities today 369 00:17:13,560 --> 00:17:15,639 Speaker 2: that we didn't back then, but that also means that 370 00:17:15,640 --> 00:17:18,720 Speaker 2: some of the opportunities that people had back then don't exist, 371 00:17:19,440 --> 00:17:21,760 Speaker 2: if that makes sense. So true, Yeah, yeah, what do 372 00:17:21,760 --> 00:17:23,520 Speaker 2: you reckon? Like do you deal with that as well? 373 00:17:23,520 --> 00:17:27,520 Speaker 3: A little bit, not necessarily in a financial sense, but 374 00:17:27,600 --> 00:17:30,679 Speaker 3: it's something I struggle with career wise. I would say, 375 00:17:31,080 --> 00:17:33,879 Speaker 3: and I think you just need to remind yourself of 376 00:17:33,960 --> 00:17:36,959 Speaker 3: why you're doing what you're doing and write down your 377 00:17:36,960 --> 00:17:41,560 Speaker 3: own goals, especially from a financial perspective, I would write 378 00:17:41,600 --> 00:17:45,360 Speaker 3: down what you want to achieve and focus on that 379 00:17:45,680 --> 00:17:47,919 Speaker 3: and break it down as well. Like smaller goals, you 380 00:17:47,920 --> 00:17:49,560 Speaker 3: can tick them off along the way. We always say 381 00:17:49,560 --> 00:17:51,200 Speaker 3: that it ches on the money. It's that way of 382 00:17:51,720 --> 00:17:54,919 Speaker 3: kind of feeling the celebration along the way to your 383 00:17:55,000 --> 00:17:59,800 Speaker 3: larger goals instead of yeah, comparing yourself to what other 384 00:18:00,040 --> 00:18:02,800 Speaker 3: people are doing, because they're probably looking at you in 385 00:18:02,920 --> 00:18:05,199 Speaker 3: some way and being like, oh gosh, like look at her, 386 00:18:05,240 --> 00:18:07,479 Speaker 3: she's killing it at work. Sure, like you might not 387 00:18:07,480 --> 00:18:09,879 Speaker 3: feel that yourself, but other people are always looking at you. 388 00:18:10,520 --> 00:18:13,320 Speaker 2: Yeah. I think we need to remember that we. 389 00:18:13,680 --> 00:18:16,080 Speaker 3: Are the people that we see all of our flaws 390 00:18:16,119 --> 00:18:18,840 Speaker 3: and we fixate on them, but we don't necessarily see 391 00:18:18,960 --> 00:18:21,960 Speaker 3: or celebrate the best things about ourselves which everyone else sees. 392 00:18:22,400 --> 00:18:26,080 Speaker 3: So I think that's important to remember too, Like we 393 00:18:26,119 --> 00:18:29,120 Speaker 3: need to be much kinder to ourselves. Something Victoria would 394 00:18:29,160 --> 00:18:31,720 Speaker 3: say if she was here, And I don't know, treat 395 00:18:31,720 --> 00:18:33,960 Speaker 3: yourself the way you treat others and celebrate yourself a 396 00:18:33,960 --> 00:18:34,360 Speaker 3: little bit. 397 00:18:34,560 --> 00:18:38,080 Speaker 2: Yeah, you're running your own race exactly. There's no timeline 398 00:18:38,080 --> 00:18:40,480 Speaker 2: on things, I think as much as you. I remember 399 00:18:40,480 --> 00:18:42,000 Speaker 2: when I was like sixteen years old, I was like, Yep, 400 00:18:42,040 --> 00:18:44,000 Speaker 2: I'm going to be married at twenty and I'll have 401 00:18:44,040 --> 00:18:45,359 Speaker 2: a house at twenty one, and then I'll have a 402 00:18:45,359 --> 00:18:48,040 Speaker 2: baby at twenty two. Yep. And now I'm nearly twenty eight, 403 00:18:48,080 --> 00:18:51,560 Speaker 2: and I'm like, excuse me, Like those things all seem 404 00:18:51,600 --> 00:18:55,640 Speaker 2: so far away. Yeah, yeah, don't put timelines on things 405 00:18:55,640 --> 00:18:56,919 Speaker 2: that don't need to have timelines. 406 00:18:57,400 --> 00:19:00,720 Speaker 3: I think that's probably a very female thing as well, 407 00:19:00,760 --> 00:19:04,480 Speaker 3: because of the whole biological clock that we believe is 408 00:19:04,480 --> 00:19:07,000 Speaker 3: a tick in. But we need to give ourselves a break, 409 00:19:07,240 --> 00:19:10,240 Speaker 3: I think, because there's plenty of time, and there's plenty 410 00:19:10,280 --> 00:19:13,919 Speaker 3: of opportunity, and we're not battling against each other. What 411 00:19:14,000 --> 00:19:16,720 Speaker 3: does they always say, A rising tide lifts all ships. 412 00:19:17,119 --> 00:19:19,879 Speaker 3: Let's work together, let's back each other, so instead of 413 00:19:19,880 --> 00:19:20,600 Speaker 3: comparing ourselves. 414 00:19:20,680 --> 00:19:26,560 Speaker 2: I love that question. Answered it on that note. Somebody asked, 415 00:19:26,760 --> 00:19:28,920 Speaker 2: what do you guys do for self care when you're 416 00:19:28,920 --> 00:19:31,400 Speaker 2: stressed out? Love you girls. Oh love you too, Nny. 417 00:19:32,200 --> 00:19:33,640 Speaker 2: What do you do, George? Do you love a little 418 00:19:33,640 --> 00:19:35,879 Speaker 2: self Camo? Absolutely? I do. 419 00:19:36,000 --> 00:19:38,560 Speaker 3: J Rik, I keep it pretty simple. I love a walk, 420 00:19:39,080 --> 00:19:42,480 Speaker 3: I love a bath. I love a good podcast. I 421 00:19:42,560 --> 00:19:45,679 Speaker 3: kind of keep a backlog of my favorites to access 422 00:19:46,200 --> 00:19:48,280 Speaker 3: on those days when I am feeling a little rough. 423 00:19:48,400 --> 00:19:49,320 Speaker 2: So these are all free. 424 00:19:49,359 --> 00:19:52,879 Speaker 3: By the way, She's on the Money Connection, So anyone 425 00:19:52,920 --> 00:19:55,960 Speaker 3: who reads the newsletter actually will know that I'm obsessed 426 00:19:55,960 --> 00:19:59,680 Speaker 3: with Dolly Olderton. Yes, everything that woman says makes me 427 00:19:59,760 --> 00:20:02,760 Speaker 3: sm makes me laugh, So I'll literally I'll listen to 428 00:20:02,760 --> 00:20:05,159 Speaker 3: a podcast I've listened to a thousand times by her. 429 00:20:05,200 --> 00:20:06,480 Speaker 2: And it just lifts my spirits. 430 00:20:06,600 --> 00:20:09,520 Speaker 3: Yeah, and I also love face masks. 431 00:20:09,560 --> 00:20:11,800 Speaker 2: Who doesn't doesn't. What do you do for self care? 432 00:20:11,920 --> 00:20:15,720 Speaker 2: Jay Rick? I am one of those people who has 433 00:20:15,840 --> 00:20:18,919 Speaker 2: to be doing something Like even if I'm relaxing, my 434 00:20:19,080 --> 00:20:21,480 Speaker 2: hands need to be busy or my brain is busy. 435 00:20:21,720 --> 00:20:23,920 Speaker 2: That would sound very not relaxing, I think to a 436 00:20:23,960 --> 00:20:26,240 Speaker 2: lot of people. But so like, I love to just 437 00:20:26,320 --> 00:20:29,400 Speaker 2: chuck on a TV series or a movie like I'm 438 00:20:29,440 --> 00:20:32,280 Speaker 2: all about that in the background, and then I'll be 439 00:20:32,320 --> 00:20:34,720 Speaker 2: working on something with my hands. I love a crafty moment. 440 00:20:34,880 --> 00:20:36,760 Speaker 2: You do if you're like me and you need something 441 00:20:36,800 --> 00:20:40,080 Speaker 2: to keep your brain busy or your hands busy, but 442 00:20:40,119 --> 00:20:46,680 Speaker 2: not necessarily your brain. I've started doing diamond cross sorry. 443 00:20:47,280 --> 00:20:50,240 Speaker 2: So they're like these it's like color by numbers but 444 00:20:50,400 --> 00:20:55,040 Speaker 2: with like little sticky diamond things. I need to google this. 445 00:20:55,240 --> 00:20:57,520 Speaker 2: Please do diamond craft. Yeah, you can get them from 446 00:20:57,600 --> 00:21:01,719 Speaker 2: km up for literally like five dollars. But they're really fun. 447 00:21:02,040 --> 00:21:04,000 Speaker 2: It's such a silly thing and then you get this 448 00:21:04,040 --> 00:21:06,560 Speaker 2: really pretty like piece of art that you can put 449 00:21:06,560 --> 00:21:09,240 Speaker 2: somewhere or do something with. And for someone like me 450 00:21:09,359 --> 00:21:14,160 Speaker 2: who just needs to be occupied, it's really stress really mean. Yeah, 451 00:21:14,200 --> 00:21:14,800 Speaker 2: do you see what I mean? 452 00:21:14,840 --> 00:21:16,679 Speaker 3: I see what you mean, because it's kind of like 453 00:21:16,680 --> 00:21:19,119 Speaker 3: an active mindfulness, like you're focusing on that that alone, 454 00:21:19,119 --> 00:21:20,040 Speaker 3: your mind's not wondering. 455 00:21:20,119 --> 00:21:22,280 Speaker 2: You put coloring books. I think you're the same kind 456 00:21:22,280 --> 00:21:24,000 Speaker 2: of bar. Yeah, I don't know what it is. There's 457 00:21:24,040 --> 00:21:27,840 Speaker 2: something just very very satisfying about that. So, oh my gosh, 458 00:21:27,880 --> 00:21:30,760 Speaker 2: there's an alsa one. I love Frozen. When's your birthday? 459 00:21:31,400 --> 00:21:34,840 Speaker 2: I want to get your fire. Funny side note. After 460 00:21:35,040 --> 00:21:38,760 Speaker 2: our Melbourne event, which was back in March, it was 461 00:21:38,800 --> 00:21:40,600 Speaker 2: a really big morning. So our team had been up 462 00:21:40,640 --> 00:21:42,840 Speaker 2: since five in the morning. I think we wrapped up 463 00:21:42,840 --> 00:21:45,879 Speaker 2: at like eleven thirty ish, and V had head to 464 00:21:45,920 --> 00:21:47,680 Speaker 2: an event and I was going to meet her back 465 00:21:47,680 --> 00:21:50,199 Speaker 2: at the hotel. So I was so tired. I'm an 466 00:21:50,200 --> 00:21:53,080 Speaker 2: intro if you couldn't tell by my love of Diamondcraft, 467 00:21:53,720 --> 00:21:55,280 Speaker 2: and so I was like, I just need a little 468 00:21:55,280 --> 00:21:57,439 Speaker 2: time to relax. So I ordered some room service and 469 00:21:57,520 --> 00:21:59,640 Speaker 2: went to put on a movie, and I really wanted 470 00:21:59,640 --> 00:22:02,399 Speaker 2: to watch Frozen, but they didn't have it, so I 471 00:22:02,480 --> 00:22:07,440 Speaker 2: instead paid twenty five dollars to watch Frozen two. While 472 00:22:07,440 --> 00:22:09,560 Speaker 2: I ate Chip. Still, it's an act of self care. 473 00:22:09,600 --> 00:22:11,359 Speaker 2: I support you. There you go. I wish out of 474 00:22:11,359 --> 00:22:14,919 Speaker 2: a Diamondcraft with me. You mentioned the Newsy before someone 475 00:22:14,960 --> 00:22:18,080 Speaker 2: asked what's your favorite budget meal? Love all of Geeking's 476 00:22:18,119 --> 00:22:21,120 Speaker 2: food recos e lad. If you're not getting the newslettering, 477 00:22:21,119 --> 00:22:24,240 Speaker 2: you're missing out because George has her own personal little 478 00:22:24,440 --> 00:22:26,640 Speaker 2: spot in there where she gives you a recommendation every week, 479 00:22:26,680 --> 00:22:29,959 Speaker 2: which quite frequently is food. Yeah, it certainly is. 480 00:22:30,119 --> 00:22:32,679 Speaker 3: Last week it was trying on perfume at Mecha and 481 00:22:32,720 --> 00:22:38,360 Speaker 3: then leaven because it's for free. Anyway, favorite budget recipes. 482 00:22:38,560 --> 00:22:40,760 Speaker 2: Was that the question? Yeah? Or meal? I mean, you 483 00:22:40,840 --> 00:22:41,320 Speaker 2: can't go. 484 00:22:41,520 --> 00:22:45,200 Speaker 3: Past the pasta because it is cheap and it is 485 00:22:45,280 --> 00:22:47,880 Speaker 3: always delicious. My favorite meal when I was living with 486 00:22:48,000 --> 00:22:51,040 Speaker 3: Victoria's little sister, Devo, and she thought I was disgustin, 487 00:22:51,720 --> 00:22:54,640 Speaker 3: was just a jar of pesto. 488 00:22:55,200 --> 00:22:56,520 Speaker 2: What's that? Two three dollars? 489 00:22:56,600 --> 00:22:59,480 Speaker 3: Yep, maybe four dollars in this economy, a two dollar 490 00:22:59,520 --> 00:23:04,480 Speaker 3: bag of parts combine, add some choy tomatoes for some freshness, 491 00:23:04,760 --> 00:23:05,920 Speaker 3: maybe a handful of spinach. 492 00:23:08,680 --> 00:23:11,919 Speaker 2: It seems like Devo is quite fancy. Yeah, so she 493 00:23:12,040 --> 00:23:14,640 Speaker 2: judged me a little bit. Devo, if you're listening, how 494 00:23:14,720 --> 00:23:17,960 Speaker 2: are you? So that's always a good one. But I 495 00:23:17,960 --> 00:23:19,160 Speaker 2: guess that is quiet basic. 496 00:23:19,240 --> 00:23:22,080 Speaker 3: I would also say the dumplings that I've popped in 497 00:23:22,080 --> 00:23:25,439 Speaker 3: the news, Yeah, they're amazing. I'll pop them in this 498 00:23:25,480 --> 00:23:27,159 Speaker 3: week as well, So if anyone doesn't know what I'm 499 00:23:27,200 --> 00:23:29,040 Speaker 3: talking about, you can refer to that. 500 00:23:29,480 --> 00:23:34,399 Speaker 2: I love that. Someone asked book recommendations financial otherwise you 501 00:23:34,480 --> 00:23:36,840 Speaker 2: got any that you're reading currently? I mean, she's On 502 00:23:36,880 --> 00:23:39,280 Speaker 2: the Money by Victoria Devine. It's an excellent finance book. 503 00:23:39,280 --> 00:23:42,879 Speaker 3: But beyond that finance, She's On the Money's second book, 504 00:23:43,080 --> 00:23:43,720 Speaker 3: investing book. 505 00:23:43,800 --> 00:23:44,680 Speaker 2: It's out for pre order. 506 00:23:44,960 --> 00:23:47,720 Speaker 3: Yes, get your little myths on that. It's all about investing, 507 00:23:47,760 --> 00:23:50,399 Speaker 3: so you cannot wait to see. But outside of the 508 00:23:50,400 --> 00:23:52,240 Speaker 3: Shees on the Money universe, George, what are you reading? 509 00:23:52,600 --> 00:23:52,919 Speaker 2: Okay? 510 00:23:52,960 --> 00:23:56,199 Speaker 3: I've read two immaculate books this year. Actually, actually, like 511 00:23:56,280 --> 00:23:58,880 Speaker 3: so many. I've really gotten back into reading. But yeah, 512 00:23:58,960 --> 00:24:01,359 Speaker 3: top two would be The Paye the Palace. I think 513 00:24:01,400 --> 00:24:04,679 Speaker 3: her name was Miranda Cowley someone. Anyway, everyone read that 514 00:24:04,760 --> 00:24:07,800 Speaker 3: over the summer. It's a beautiful kind of love story. 515 00:24:07,880 --> 00:24:10,119 Speaker 3: It's a beat tread, but it's so much more than 516 00:24:10,119 --> 00:24:12,679 Speaker 3: a beach tread. I feel like that's almost a dismissive 517 00:24:12,720 --> 00:24:16,200 Speaker 3: thing to say about often like female literature. So it's 518 00:24:16,200 --> 00:24:18,880 Speaker 3: not a beat trade. It's an excellent read. And also 519 00:24:19,240 --> 00:24:22,520 Speaker 3: Love and Virtue. That was probably it's one of the 520 00:24:22,520 --> 00:24:25,280 Speaker 3: best books I've ever read. The woman who wrote it 521 00:24:25,320 --> 00:24:27,040 Speaker 3: is only like twenty years old or something. 522 00:24:27,359 --> 00:24:28,160 Speaker 2: That's so impressive. 523 00:24:28,240 --> 00:24:32,280 Speaker 3: It discusses themes of consent in a really really nuanced, 524 00:24:32,480 --> 00:24:36,920 Speaker 3: clever way that is not at all patronizing, I would say, 525 00:24:37,400 --> 00:24:42,320 Speaker 3: or too confronting. So I would really recommend that have 526 00:24:42,400 --> 00:24:44,040 Speaker 3: you read any good ones this year? 527 00:24:44,160 --> 00:24:46,560 Speaker 2: Jack? I was dreading. When I asked you this question, 528 00:24:46,600 --> 00:24:48,359 Speaker 2: I realized you'd ask me about I was kind of 529 00:24:48,480 --> 00:24:53,040 Speaker 2: dreading it because my taste in books is not sophistical, 530 00:24:53,280 --> 00:24:57,760 Speaker 2: taking the Twilight saga close to I like, I like 531 00:24:58,200 --> 00:25:02,640 Speaker 2: ya or young adult fiction, and I like like a dystopian, 532 00:25:03,200 --> 00:25:07,240 Speaker 2: like a Hunger Games or nothing. Today's run up. Look, 533 00:25:07,240 --> 00:25:08,919 Speaker 2: I feel like I'm kind of at the point now 534 00:25:08,960 --> 00:25:10,720 Speaker 2: where I say I like ya and people are like, 535 00:25:10,920 --> 00:25:14,080 Speaker 2: bestI You're a little bit old that I mentioned Hung Games. 536 00:25:14,119 --> 00:25:17,040 Speaker 2: I loved the Hunger Games books. I thought they were immaculate, 537 00:25:17,160 --> 00:25:19,520 Speaker 2: and the movies were also really quite good. But they 538 00:25:19,520 --> 00:25:21,919 Speaker 2: did a prequel for the Hunger Games, which did you 539 00:25:21,960 --> 00:25:24,600 Speaker 2: read the series when you are? But I loved the movies. 540 00:25:24,760 --> 00:25:26,960 Speaker 2: They were really really well done. And the thing that 541 00:25:27,000 --> 00:25:29,840 Speaker 2: I liked about the prequel is it was set with 542 00:25:30,000 --> 00:25:32,760 Speaker 2: do you remember President Snow, the evil dude? Yes, it 543 00:25:32,840 --> 00:25:35,080 Speaker 2: was his youth, and so it was a little bit 544 00:25:35,119 --> 00:25:37,320 Speaker 2: of his origin story, and I'm hoping that there will 545 00:25:37,320 --> 00:25:38,800 Speaker 2: be more. It's been out for a little while now. 546 00:25:39,000 --> 00:25:40,879 Speaker 2: I smashed it in like two or three days, and 547 00:25:40,880 --> 00:25:43,240 Speaker 2: if I'm being honest, I don't read a whole lot 548 00:25:43,400 --> 00:25:45,800 Speaker 2: lately because I'm just busy and I don't make time 549 00:25:45,840 --> 00:25:48,159 Speaker 2: for it, so for me to devour it so quickly. 550 00:25:48,520 --> 00:25:50,919 Speaker 2: If anyone else likes that same genre of book, I 551 00:25:50,920 --> 00:25:53,080 Speaker 2: would really recommend it. It was so well done, and I 552 00:25:53,160 --> 00:25:55,760 Speaker 2: hope that there's another one. Have you heard of the 553 00:25:55,800 --> 00:25:56,600 Speaker 2: Harry Potter. 554 00:25:56,440 --> 00:25:59,119 Speaker 3: Series, because I've got a feeling it is right up 555 00:25:59,160 --> 00:26:00,800 Speaker 3: your ellie my, Oh thank you? 556 00:26:00,920 --> 00:26:03,440 Speaker 2: Check them out? Yes please? We also have jay Rich. 557 00:26:03,520 --> 00:26:05,159 Speaker 3: Just on the book topic. We will move back to 558 00:26:05,200 --> 00:26:08,040 Speaker 3: money shortly on the Deep Dive episode. We will be 559 00:26:08,200 --> 00:26:10,720 Speaker 3: talking about the five financial Books that Will Change Your Life. 560 00:26:10,760 --> 00:26:12,719 Speaker 3: But it's coming out in the next couple of weeks, 561 00:26:12,960 --> 00:26:16,520 Speaker 3: so yeah, I have a listened to that one for sure. Jayrik, 562 00:26:16,800 --> 00:26:19,679 Speaker 3: you very rudely are about to hop to Europe, you 563 00:26:19,800 --> 00:26:22,639 Speaker 3: lucky duck. One of the questions here is how to 564 00:26:22,680 --> 00:26:25,399 Speaker 3: budget for a holiday? What tips and tricks do you 565 00:26:25,480 --> 00:26:26,640 Speaker 3: have for the girlies? 566 00:26:26,880 --> 00:26:29,080 Speaker 2: Oh maybe this is almost a full podcast topic in 567 00:26:29,119 --> 00:26:31,600 Speaker 2: and of itself now that everyone's getting back on the plane, 568 00:26:31,640 --> 00:26:35,320 Speaker 2: which is so nice to see. I think finding room 569 00:26:35,400 --> 00:26:38,919 Speaker 2: to reprioritize in your budget if you're not always saving 570 00:26:38,920 --> 00:26:40,880 Speaker 2: for holiday. So obviously we're just come off the back 571 00:26:40,880 --> 00:26:42,959 Speaker 2: of COVID, and normally i'd kind of have some savings 572 00:26:43,000 --> 00:26:46,159 Speaker 2: set aside for holidays, whereas i'd kind of reallocated it. 573 00:26:46,200 --> 00:26:48,040 Speaker 2: After two years, I was like that money can be 574 00:26:48,040 --> 00:26:50,760 Speaker 2: better put to work. So if you don't have a 575 00:26:50,760 --> 00:26:53,240 Speaker 2: fund that you're kind of constantly putting into, I think 576 00:26:53,400 --> 00:26:57,320 Speaker 2: reprioritizing your spending. So like for me personally, I think 577 00:26:57,320 --> 00:27:01,960 Speaker 2: I've said before, I break my budget down really, you know, minutely, 578 00:27:02,000 --> 00:27:03,760 Speaker 2: and so I have like a fund each month for 579 00:27:03,840 --> 00:27:06,480 Speaker 2: clothing and a fund each month for shoes, So it's 580 00:27:06,520 --> 00:27:08,920 Speaker 2: kind of easy to go, okay, well, that money can 581 00:27:08,960 --> 00:27:12,080 Speaker 2: be pulled because that's not a need and reallocated to 582 00:27:12,240 --> 00:27:15,080 Speaker 2: the holiday budget. The other thing I would say, particularly 583 00:27:15,160 --> 00:27:17,400 Speaker 2: right now, and this is the boat that I found 584 00:27:17,400 --> 00:27:18,760 Speaker 2: myself in because it was a little bit of a 585 00:27:18,800 --> 00:27:21,480 Speaker 2: spontaneous trip, like we were just kind of taking advantage of, 586 00:27:21,920 --> 00:27:23,560 Speaker 2: you know, some sales that we're on on flights and 587 00:27:23,560 --> 00:27:27,960 Speaker 2: things like that, is if it's within your means, obviously, 588 00:27:28,080 --> 00:27:29,679 Speaker 2: do not go into debt for a holiday. It's not 589 00:27:29,720 --> 00:27:33,440 Speaker 2: worth it in my opinion. But also be gentle on yourself. 590 00:27:33,480 --> 00:27:35,960 Speaker 2: And so if you need to go, okay, well this month, 591 00:27:36,200 --> 00:27:37,960 Speaker 2: I'm going to put a little bit less into my 592 00:27:38,119 --> 00:27:42,600 Speaker 2: long term savings. It's actually okay to do that. And 593 00:27:42,600 --> 00:27:44,280 Speaker 2: I think going back to that thing where you were saying, 594 00:27:44,280 --> 00:27:46,879 Speaker 2: oh my gosh, we have such clear goals, and you know, 595 00:27:46,920 --> 00:27:49,640 Speaker 2: we're comparing ourselves to others. So for me, the month 596 00:27:49,680 --> 00:27:51,720 Speaker 2: that we go away, I'll be putting just a little 597 00:27:51,720 --> 00:27:54,040 Speaker 2: bit less money into my house deposit it out. And 598 00:27:54,240 --> 00:27:57,639 Speaker 2: I'm not being mad at myself for that. I'm just 599 00:27:57,720 --> 00:28:00,280 Speaker 2: kind of going, hey, like, this trip for me is 600 00:28:00,320 --> 00:28:02,520 Speaker 2: something that's really important, and it's going to be a 601 00:28:02,560 --> 00:28:04,640 Speaker 2: chance to make good memories and see places that I've 602 00:28:04,680 --> 00:28:07,760 Speaker 2: never seen, and I value that. So for me, it 603 00:28:07,880 --> 00:28:12,199 Speaker 2: is worth adjusting my goals slightly just for the short term, 604 00:28:12,520 --> 00:28:14,639 Speaker 2: or to dip into my emergency funds if I needed to, 605 00:28:14,720 --> 00:28:17,800 Speaker 2: because I have a pretty significant emergency fund, knowing that 606 00:28:17,840 --> 00:28:19,639 Speaker 2: I'm going to replenish that money or make it up 607 00:28:19,680 --> 00:28:22,800 Speaker 2: down the track. Because George, like you're like me, like 608 00:28:22,840 --> 00:28:26,080 Speaker 2: you love to travel, right, and I think that it's 609 00:28:26,119 --> 00:28:28,560 Speaker 2: not a need absolutely, like you know, don't put that 610 00:28:28,640 --> 00:28:31,760 Speaker 2: above other necessities, but there is a lot of value 611 00:28:31,800 --> 00:28:34,320 Speaker 2: to be had, I think from that, right, And. 612 00:28:34,440 --> 00:28:37,440 Speaker 3: Like when you're on your deathbed and you look back, 613 00:28:37,480 --> 00:28:40,120 Speaker 3: will you be like, man, I got into the housing 614 00:28:40,120 --> 00:28:44,080 Speaker 3: market six months earlier, or I went on an epic holiday, 615 00:28:44,200 --> 00:28:47,640 Speaker 3: made memories and friendships to last lifetime. 616 00:28:47,240 --> 00:28:50,160 Speaker 2: Et cetera. Like what's more important? I think that we 617 00:28:50,200 --> 00:28:52,360 Speaker 2: all know and if you're traveling in a group, like 618 00:28:52,400 --> 00:28:55,280 Speaker 2: find ways to say, like we're staying in a hostile amazing. Yeah, 619 00:28:55,280 --> 00:28:57,080 Speaker 2: I'm going to Victoria and a couple of our other. 620 00:28:57,040 --> 00:29:00,360 Speaker 3: Like Victoria's staying in a hostel. Yeah, I know, I'll 621 00:29:00,400 --> 00:29:01,320 Speaker 3: believe it what I say. 622 00:29:02,600 --> 00:29:05,240 Speaker 2: Send me photo. It's like a room with like six 623 00:29:05,280 --> 00:29:06,920 Speaker 2: bunk beds. It's gonna be like a giant sleeper. That's 624 00:29:07,200 --> 00:29:09,000 Speaker 2: there's things like that, I think where you can go. Hey, 625 00:29:09,200 --> 00:29:11,959 Speaker 2: like we're going to spend nineteen nine percent of our 626 00:29:12,000 --> 00:29:14,640 Speaker 2: time not in our accommodation. And this is the exact 627 00:29:14,680 --> 00:29:17,440 Speaker 2: conversation that has had because it's pretty expensive in Europe 628 00:29:17,480 --> 00:29:19,800 Speaker 2: right now, it's high season. Everyone's also getting back after 629 00:29:19,840 --> 00:29:21,960 Speaker 2: being off for a while, and so we said, oh, 630 00:29:22,000 --> 00:29:24,920 Speaker 2: like we can have a beautiful hotel, but it's going 631 00:29:24,960 --> 00:29:28,680 Speaker 2: to cost so much money. And ultimately we all said 632 00:29:28,800 --> 00:29:30,440 Speaker 2: we're not going to spend a lot of fun there 633 00:29:30,720 --> 00:29:33,120 Speaker 2: all I need is a bed. We're all happy to 634 00:29:33,160 --> 00:29:35,880 Speaker 2: bunk it together, share a bathroom, share a room probably. 635 00:29:35,960 --> 00:29:36,680 Speaker 2: Al that's amazing. 636 00:29:36,720 --> 00:29:39,400 Speaker 3: Well, that's another hot tip for budgeting, like think about 637 00:29:39,640 --> 00:29:41,360 Speaker 3: where you should be allocating your money and where you 638 00:29:41,360 --> 00:29:43,560 Speaker 3: shouldn't be. Yeah, if you're flying in at ten pm, 639 00:29:43,640 --> 00:29:46,040 Speaker 3: don't stay somewhere fancies at the airport hotel. 640 00:29:46,200 --> 00:29:48,600 Speaker 2: Yeah, and pre purchase I think a lot of your 641 00:29:48,840 --> 00:29:51,000 Speaker 2: like tickets and stuff as well, because we wanted to 642 00:29:51,000 --> 00:29:53,480 Speaker 2: go to like see a few shows. We want to 643 00:29:53,480 --> 00:29:58,040 Speaker 2: go to Disneyland. I'm so excited in Paris. Yes, in Paris, 644 00:29:58,280 --> 00:30:03,040 Speaker 2: Oh my god, I lend it all from that. But yeah, 645 00:30:03,120 --> 00:30:05,560 Speaker 2: so pre purchasing those expenses because a lot of the 646 00:30:05,600 --> 00:30:07,400 Speaker 2: time you can get deals if you're doing them in bulk, 647 00:30:07,600 --> 00:30:09,880 Speaker 2: or it's just more expensive to do things last minute. 648 00:30:09,880 --> 00:30:12,320 Speaker 2: And a general rule of thumb. So looking at that, 649 00:30:12,480 --> 00:30:14,600 Speaker 2: plug it all into a spreadsheet. You can bet your 650 00:30:14,600 --> 00:30:17,760 Speaker 2: bottom dollar that Vihid has put together the spreadsheet to 651 00:30:17,800 --> 00:30:21,040 Speaker 2: end all spreadsheets, which we're working on convincing her to 652 00:30:21,320 --> 00:30:24,520 Speaker 2: put that out publicly. So fingers crossed, there will be 653 00:30:24,560 --> 00:30:28,400 Speaker 2: a travel budget available somewhere soon. Amazing. 654 00:30:28,880 --> 00:30:31,920 Speaker 3: All right, I think we've got time for one more today, 655 00:30:32,120 --> 00:30:35,160 Speaker 3: Jay Rick, It's been an absolute pleasure as always. I 656 00:30:35,200 --> 00:30:37,000 Speaker 3: don't know if that is true for the listeners, but 657 00:30:37,080 --> 00:30:40,240 Speaker 3: I've had a good time. So this question comes from Casey, 658 00:30:40,840 --> 00:30:44,360 Speaker 3: how to educate slash help friends on their money journey 659 00:30:44,600 --> 00:30:46,080 Speaker 3: or when they are struggling. 660 00:30:46,680 --> 00:30:48,360 Speaker 2: Oh, it's such a hard one because you don't want 661 00:30:48,360 --> 00:30:50,920 Speaker 2: to stick your nose in where it doesn't belong exactly, 662 00:30:51,040 --> 00:30:53,000 Speaker 2: you know. I think people have to be ready to 663 00:30:53,120 --> 00:30:57,480 Speaker 2: receive advice on something like finance. I think just normalizing 664 00:30:57,520 --> 00:31:00,160 Speaker 2: the conversations and someone has to take the first step. 665 00:31:00,200 --> 00:31:02,360 Speaker 2: And maybe it's you in this situation or the personality 666 00:31:02,400 --> 00:31:06,400 Speaker 2: in this question, Casey, but I think just talking about 667 00:31:06,480 --> 00:31:10,320 Speaker 2: money like it's a normal thing, like you're talking about shoes, 668 00:31:10,720 --> 00:31:14,840 Speaker 2: you know, and talking about salary and budgeting, and just 669 00:31:14,880 --> 00:31:17,920 Speaker 2: peppering it into the conversation like it's a normal thing 670 00:31:18,080 --> 00:31:21,360 Speaker 2: because it should be, like you shouldn't feel uncomfortable. I 671 00:31:21,400 --> 00:31:24,080 Speaker 2: don't think talking about how much money you earn or 672 00:31:24,120 --> 00:31:27,440 Speaker 2: talking about if you're saving for something. I think that 673 00:31:27,440 --> 00:31:29,640 Speaker 2: that's a great conversation we're having, and that's obviously what 674 00:31:29,640 --> 00:31:31,200 Speaker 2: we're all about here at Cheese and the Money is 675 00:31:31,200 --> 00:31:34,400 Speaker 2: we want those conversations to exist. But the only way 676 00:31:34,400 --> 00:31:36,440 Speaker 2: you're going to make it not awkward is if you 677 00:31:36,560 --> 00:31:39,320 Speaker 2: act like it's not awkward. And maybe you will feel 678 00:31:39,320 --> 00:31:41,000 Speaker 2: a little bit uncomfy the first time you do it, 679 00:31:41,000 --> 00:31:43,320 Speaker 2: if you've never spoken about those things. But I think 680 00:31:43,360 --> 00:31:46,480 Speaker 2: you'll find as well that the more you broach the topic, 681 00:31:46,560 --> 00:31:49,120 Speaker 2: the more comfortable the people you're talking to will become 682 00:31:49,200 --> 00:31:51,680 Speaker 2: doing the same thing. Yeah, it's very true. What do 683 00:31:51,760 --> 00:31:52,600 Speaker 2: you think very true? 684 00:31:52,960 --> 00:31:55,360 Speaker 3: Yeah, it's a tough one because we all have such 685 00:31:55,400 --> 00:32:00,320 Speaker 3: different relationships with money and finance, and we're all different 686 00:32:00,360 --> 00:32:02,720 Speaker 3: stages of our careers. Some people are still studying, some 687 00:32:02,760 --> 00:32:04,920 Speaker 3: people have been in the same workplace for eight years 688 00:32:04,920 --> 00:32:07,200 Speaker 3: and they've really worked their way up to having amazing 689 00:32:07,240 --> 00:32:11,760 Speaker 3: salaries and stuff like that. So I think even like 690 00:32:11,920 --> 00:32:14,720 Speaker 3: subtly being like, oh, I'm listening to this amazing podcast 691 00:32:14,760 --> 00:32:17,400 Speaker 3: called Cheese on the Money or My Millennial Money or 692 00:32:17,440 --> 00:32:19,920 Speaker 3: whatever it is, I think that's a really good way 693 00:32:19,920 --> 00:32:22,040 Speaker 3: of like edging it in there. 694 00:32:21,960 --> 00:32:23,760 Speaker 2: Getting people of the socials too, like point in the 695 00:32:23,800 --> 00:32:26,840 Speaker 2: main direction of our Instagram or another page's Instagram or 696 00:32:26,880 --> 00:32:29,720 Speaker 2: the Facebook group. There's so many people in there having 697 00:32:29,760 --> 00:32:32,480 Speaker 2: those conversations that I think if you start seeing those 698 00:32:32,520 --> 00:32:34,520 Speaker 2: things regularly, it kind of normalizes it a bit. 699 00:32:34,960 --> 00:32:38,440 Speaker 3: Yeah, and it makes it more fun as well, and 700 00:32:38,480 --> 00:32:42,360 Speaker 3: being a part of the community because there's people at 701 00:32:42,400 --> 00:32:45,040 Speaker 3: every stage of their journey. There's people who are twenty 702 00:32:45,040 --> 00:32:47,720 Speaker 3: grand in debt. There's people who have three hundred thousand 703 00:32:47,720 --> 00:32:49,920 Speaker 3: dollars in the bank. So there's someone that you will 704 00:32:49,960 --> 00:32:52,520 Speaker 3: resonate with within the group, and you'll see the posts 705 00:32:52,560 --> 00:32:54,160 Speaker 3: and so on and so forth. So yeah, I would 706 00:32:54,160 --> 00:32:56,360 Speaker 3: really encourage them to become a part of the Shoes 707 00:32:56,400 --> 00:33:01,320 Speaker 3: on the Money community, not to plug ourselves tumor, but yeah, 708 00:33:01,360 --> 00:33:05,280 Speaker 3: I think, as you said, just broaching the conversation as 709 00:33:05,360 --> 00:33:08,160 Speaker 3: much as you can and maybe like sitting them down 710 00:33:08,200 --> 00:33:10,800 Speaker 3: if you know that they're really struggling and being like, sis, 711 00:33:10,840 --> 00:33:12,720 Speaker 3: how can I help you, Like, let's talk and hear 712 00:33:12,800 --> 00:33:14,520 Speaker 3: for you, Because you know, the longer they keep their 713 00:33:14,520 --> 00:33:16,360 Speaker 3: heads in the sand, if they are in a really 714 00:33:16,360 --> 00:33:19,560 Speaker 3: bad predicament, if they're after pay addicts, whatever it may be, 715 00:33:20,120 --> 00:33:22,000 Speaker 3: if they face it with you, maybe that's like the 716 00:33:22,000 --> 00:33:24,720 Speaker 3: first step to acknowledging where they're at and they can 717 00:33:24,800 --> 00:33:27,760 Speaker 3: create a plan from there. Also, the national debt help plant. 718 00:33:27,800 --> 00:33:31,080 Speaker 3: They have a series of great financial counselors who are 719 00:33:31,120 --> 00:33:33,600 Speaker 3: free to access, so if they are in a really 720 00:33:33,600 --> 00:33:35,719 Speaker 3: sticky spot, that's a really good place to point them 721 00:33:35,760 --> 00:33:36,080 Speaker 3: as well. 722 00:33:36,360 --> 00:33:38,400 Speaker 2: Incredible, I feel like that's a really good place to 723 00:33:38,480 --> 00:33:40,960 Speaker 2: leave it. I think we covered a little bit of finance. 724 00:33:41,280 --> 00:33:43,640 Speaker 2: Victoria will hopefully be proud of us. I hope that 725 00:33:43,680 --> 00:33:45,480 Speaker 2: I can come back next week and still have a job. 726 00:33:46,320 --> 00:33:48,600 Speaker 2: But before we go, don't forget that the advice shared 727 00:33:48,600 --> 00:33:50,360 Speaker 2: on Cheese on the Money is generally in nature and 728 00:33:50,440 --> 00:33:53,800 Speaker 2: does not consider your individual circumstances. She's on the Money 729 00:33:53,840 --> 00:33:56,840 Speaker 2: exists purely for educational purposes and should not be relied 730 00:33:56,880 --> 00:34:00,200 Speaker 2: upon to make an investment or a financial decision. And yes, 731 00:34:00,320 --> 00:34:03,400 Speaker 2: Victoria Divine and She's on the Money are authorized representatives 732 00:34:03,400 --> 00:34:07,440 Speaker 2: of Infocused Securities Australia Proprietary Limited ABM four seven oh 733 00:34:07,520 --> 00:34:10,839 Speaker 2: nine seven seven nine seven four nine AFSL two three 734 00:34:10,920 --> 00:34:12,120 Speaker 2: six five two three. 735 00:34:12,480 --> 00:34:15,399 Speaker 3: Very well read from you before we head off, guys, 736 00:34:15,400 --> 00:34:18,160 Speaker 3: as well as we just mentioned, please join us in 737 00:34:18,200 --> 00:34:21,080 Speaker 3: our Facebook community where she is on the Money on Facebook, 738 00:34:21,080 --> 00:34:24,279 Speaker 3: we're also on Instagram, We're on TikTok and you may 739 00:34:24,320 --> 00:34:28,440 Speaker 3: have heard our girl last Saturday morning on KISSFM nine 740 00:34:28,520 --> 00:34:29,880 Speaker 3: to ten right around the country. 741 00:34:29,960 --> 00:34:31,640 Speaker 2: Oh my gosh, I'm exciting. 742 00:34:31,680 --> 00:34:34,719 Speaker 3: So she's doing that for the foreseeable Future and it's like. 743 00:34:35,239 --> 00:34:38,440 Speaker 2: The podcast but slightly different. So it's called the She's 744 00:34:38,440 --> 00:34:41,520 Speaker 2: on the Money radio show. And I listened last week 745 00:34:41,560 --> 00:34:45,160 Speaker 2: a lot of fun, yeah, bitter band. It's a different 746 00:34:45,200 --> 00:34:47,400 Speaker 2: vibe because obviously in between the songs there's only so 747 00:34:47,480 --> 00:34:50,160 Speaker 2: much time to be sharing all of the willpower and 748 00:34:50,200 --> 00:34:52,680 Speaker 2: knowledge that is Victoria to Vine. But like still some 749 00:34:52,719 --> 00:34:54,480 Speaker 2: really good tips and some good laughs as well. 750 00:34:54,560 --> 00:34:58,120 Speaker 3: Yeah, exactly, have a listen. All right, Well, I think 751 00:34:58,239 --> 00:35:00,279 Speaker 3: let's put a cork in it. We'll see you on 752 00:35:00,760 --> 00:35:02,840 Speaker 3: Monday saying that guys, bye buys.