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

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

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

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

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

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

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

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

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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Speaker 4: Hello, and welcome to She's on the Moneys some millennials

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

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Speaker 4: my favorite episodes. Welcome back to another one of my

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Speaker 4: favorite episodes, Money Diaries, where I get the absolute privilege

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Speaker 4: of talking to one of our incredible She's on the

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Speaker 4: Money community members all about their money story. Let's jump

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Speaker 4: straight into it, because this week I got an email

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Speaker 4: and it sounded exactly like this. Hi, Victoria. I had

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Speaker 4: a middle class upbringing and started and then quit UNI.

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Speaker 4: I then moved to London and worked as a butler,

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Speaker 4: having some amazing experiences. When I moved home, I headed

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Speaker 4: back to UNI. Within six months of graduation, I was

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Speaker 4: earning one hundred thousand dollars, but two years later I

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Speaker 4: was on Scentlink with zero dollars in savings. I'm now

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Speaker 4: in my final year as a med student at age thirty,

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Speaker 4: and I'm in the middle of my fertility preservation treatment

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Speaker 4: financial status work in progress, Money Diarist, I feel like

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Speaker 4: this is going to be so fun.

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Speaker 2: Yeah, there's a lot to talk about.

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Speaker 4: Hey, oh my gosh, I feel like it's like a

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Speaker 4: roller coaster, but like not a stressful too stressful one.

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Speaker 4: I'm just like, Butler, what like one hundred thousand dollars?

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Speaker 4: What cent a link? What where is all this coming from?

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Speaker 4: And now she's going to be a doctor? Be for real? Like,

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Speaker 4: I've just got questions. But as always, let's start with

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Speaker 4: the very first one, Money Diarist, If I asked you

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Speaker 4: to rate your money habits from an eight through to

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Speaker 4: an air for, what would they be?

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Speaker 2: I would say, I'm probably about a.

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Speaker 4: C minus a C minus. All right, I'm interested to

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Speaker 4: hear more, but like, before we get there, can you

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Speaker 4: please give me a little bit more info on your

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Speaker 4: money story, like take us back.

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Speaker 2: Yeah, sure. So, yeah, I grew up, I guess, I

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Speaker 2: suppose in a very privileged position, I should say. To

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Speaker 2: start with, my parents had pretty I guess, run of

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Speaker 2: the meal jobs, hairdresser, nurse, and they worked very hard

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Speaker 2: to kind of I guess, climb the ladder in the

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Speaker 2: ways that they have and yeah, always give us as

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Speaker 2: kids what we needed to kind of improve. So had

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Speaker 2: a good kind of foundation. I guess. When I first

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Speaker 2: left school, I went into a business degree and I

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Speaker 2: hated it, like just it was boring.

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Speaker 4: It's not for everybody, I'm telling you that now, not

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Speaker 4: at all.

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Speaker 2: And so I left there and I was just working

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Speaker 2: out like maccas and I claimed the ranks at maccs,

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Speaker 2: you know.

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Speaker 4: Which is underrated by the way. I feel like McDonald's

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Speaker 4: knowing now their leadership training and the way that they

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Speaker 4: train people from scratch, like some of the best employers

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Speaker 4: long term even going into corporate or going into other things,

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Speaker 4: they have got a background in working at macers and

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Speaker 4: it serves them so well.

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Speaker 2: So well, yeah, it like builds really great skill foundations.

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Speaker 2: So yeah, I did that for a little while. I

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Speaker 2: was actually at Maca's forelt about five years since I

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Speaker 2: was like fifteen, and then I decided that I hated

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Speaker 2: it and I moved overseas and I just did like

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Speaker 2: a west holiday visa and I was working in like hospitality,

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Speaker 2: just waitressing, and then they were like, actually, we need

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Speaker 2: a night butler tonight to cover and I was like,

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Speaker 2: can anyone do that? And I was like, well, I

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Speaker 2: suppose I can give it a crack, like I'm probably

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Speaker 2: not gonna be the best at it, but I can

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Speaker 2: do it. So I did it.

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Speaker 4: And did you have to change your name to Nigel?

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Speaker 2: Obviously? Yeah? Obviously?

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Speaker 4: Okay, yeah, yeah, right, so Nigel, what happened next?

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Speaker 2: Just wait for it. I wore like a full three

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Speaker 2: piece suit, like I was.

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Speaker 4: No, you didn't, I did? Yeah, that would have been

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Speaker 4: so fun.

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Speaker 2: Yeah, it was like full on, like three piece suit.

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Speaker 2: Had to use the British accent because no one could

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Speaker 2: understand me. Genuinely, my worst experience, well actually I think

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Speaker 2: it's the funniest personally, but like I had someone call

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Speaker 2: me in the middle of the night asking for an

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Speaker 2: extra duvet and I genuinely had to transfer them to

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Speaker 2: the front of house manager because I did not know

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Speaker 2: what a duvet was. It's a douna.

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Speaker 4: By the way, do they even the word duvet? Feels bougie?

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Speaker 2: I know, right, And I had no idea. I was like, sorry,

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Speaker 2: you're gonna have to repeat that like for ten minutes.

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Speaker 2: It was. Yeah, it was hard work.

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Speaker 4: Oh my gosh. What was like the funniest thing that

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Speaker 4: you were asked for as a butler? Because I just

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Speaker 4: feel like people take advantage of butler's.

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Speaker 2: Yeah, I was in like a five star hotel and

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Speaker 2: it was I don't know about the funniest. Like we

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Speaker 2: did a lot of packing and unpacking and you see

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Speaker 2: a lot of stuff in people's suitcases. I'll tell you

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Speaker 2: that much for free?

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Speaker 4: Or did you unpack their suitcases? Yeah?

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Speaker 2: Absolutely?

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Speaker 4: I love that this is also anonymous, so come on,

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Speaker 4: come on, skill ye.

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Speaker 2: I will say, like, the funniest thing I probably had

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Speaker 2: to do was like rearrange people's I don't know if

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Speaker 2: I'm allowed to say things that aren't PG.

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Speaker 4: But anyway, Oh no, you can say this like we've

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Speaker 4: just given it a disclaimer. What's coming up next? Not PG? Yeah? Great.

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Speaker 2: We would have to like go in and like organize everything.

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Speaker 2: So it was, you know that kind of like type

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Speaker 2: a personality in order o cud Yeah, great kind of thing. Great,

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Speaker 2: And we would literally go in and organize their sex

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Speaker 2: toys for like from A to Z, like in order.

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Speaker 2: We would make everything look pretty like it was yeah

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Speaker 2: a lot.

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Speaker 4: Oh my gosh. I would be mortified. Yeah, I know that.

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Speaker 4: Even like my bedside table when I'm staying in a hotel,

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Speaker 4: I'm always like triple checking it and being like what,

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Speaker 4: like it's you know, I sleep with an eyemask and

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Speaker 4: like sometimes I have nasal spray and I'm always like,

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Speaker 4: I'm gonna just put that back in my handbag because

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Speaker 4: I know housekeeping's coming, like, be for real. I'd be mortified.

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Speaker 2: Yeah, and people definitely just didn't really clock of what

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Speaker 2: exactly a butler did, so yeah, we knew everything. We

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Speaker 2: saw it all.

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Speaker 4: I kind of want that job, Like you're telling me

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Speaker 4: I can go through people's luggage and it's not illegal.

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Speaker 2: Yeah, absolutely you can.

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Speaker 4: It's great you go through people's luggage, you organize stuff.

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Speaker 4: I would be having such a fun time. I'd be like,

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Speaker 4: all right, so top drawer, second draw Okay, actually we're

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Speaker 4: gonna color coordinate your wardrobe. And it's like little capsule wardrobes,

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Speaker 4: I don't have so much fun.

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Speaker 2: Yeah, it was honestly so much fun and even better,

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Speaker 2: they tip you at the end of it. So I mean.

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Speaker 4: So so title of this podcast. I got paid to

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Speaker 4: organize people's sex too exactly money winch you know what,

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Speaker 4: I'd pay you a lot so that you never told

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Speaker 4: any that yet here you were on the podcast. They

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Speaker 4: didn't tip enough a baron apparently not.

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Speaker 2: You're welcome.

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Speaker 4: Sorry, sorry, Oh my gosh, So tell me more, tell

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Speaker 4: me more about either this job or like what happened

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Speaker 4: next my friend.

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Speaker 2: Yeah, I was overseas for a couple of years, and

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Speaker 2: I alwaysknew I wanted to come back to UNI. And

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Speaker 2: when I was coming back, I was like, oh, I'll

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Speaker 2: either do marketing journalism or I could just try and

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Speaker 2: get into medicine. Like, we'll just see what happens. And

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Speaker 2: so I applied for biomedical science or marketing journalism.

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Speaker 4: They're very similar. So it just makes sense that you

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Speaker 4: would apply for both of those at the same time

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Speaker 4: and just, you know, throw your career, throw your career

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Speaker 4: to the wind, like whatever happens happened. I might become

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Speaker 4: a marketer, might become a doctor who knows, We'll.

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Speaker 2: Just see what happens. And then evidently I got into

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Speaker 2: buiomedical science, which was Ashan and then yeah, I did

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Speaker 2: my undergrad and an honest year, So I did that.

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Speaker 2: It was really good, had a great time. I was

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Speaker 2: at a smaller university, so we had a really good cohort.

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Speaker 2: And then I graduated at the end of twenty nineteen,

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Speaker 2: and then COVID hit.

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Speaker 4: And oh gosh, yeah we did back home with.

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Speaker 2: My parents and we actually all got emails. Our cohort

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Speaker 2: that graduated got emails from the Department of Health being like, hey,

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Speaker 2: we need people with a BioMed background to come and

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Speaker 2: help us with data because we have so much out

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Speaker 2: all of a sudden. And so I got hired by

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Speaker 2: the Department of Health, and I progressed really rapidly, So

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Speaker 2: I think within like the first three months, I had

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Speaker 2: like jumped three jobs just because they needed anyone to

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Speaker 2: expand and expanded expand.

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Speaker 4: Well, it kind of makes sense, especially during a period

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Speaker 4: of time where we knew nothing about what was going on,

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Speaker 4: and they would have hired you into a role and

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Speaker 4: then be like, oh my gosh, she's actually competent at

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Speaker 4: this light. Let's bumper up and bumper up because we

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Speaker 4: can see talent and it would have been hard because

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Speaker 4: they've never done this that we've never had this data before.

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Speaker 2: Right, yeah, exactly so. But it was really great because

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Speaker 2: they'd hired basically a whole group of people that already

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Speaker 2: knew how to work together, that actually had a culture

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Speaker 2: that existed, which was.

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Speaker 4: A really smartus geniuses.

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Speaker 2: Yeah. I don't know how they made it happen, but

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Speaker 2: it worked anyway. So I yeah, jumped up the ranks

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Speaker 2: a little bit quickly. Definitely unprecedented, which is the fun

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Speaker 2: word of the.

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Speaker 4: Time, right, yes, absolutely, And then yeah, so I then

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Speaker 4: got offered to step up again.

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Speaker 2: And at the time I was sitting in the exams

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Speaker 2: for trying to get into medicine, I just thought, I'll

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Speaker 2: just do it and see how I go and give

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Speaker 2: it a crack or whatever. Like, if it happens, it happens.

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Speaker 2: If it doesn't, it doesn't.

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Speaker 4: I like how nonchalant you are about becoming a doctor,

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Speaker 4: when BIA are definitely going to be people listening to

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Speaker 4: this who have slaved their lives away to become a doctor.

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Speaker 4: They have you know, what is it the MSAT or

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Speaker 4: something they tested at the start that yeah, whatever it is,

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Speaker 4: they're just like slaving away, trying their hardest to get there,

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Speaker 4: and you're like, yellow, if I get in, If I

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Speaker 4: get in, it'll be fine. And obviously you have gotten in,

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Speaker 4: and they're probably looking at you being like Nigel, I

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Speaker 4: cannot we hate, but you just don't care about being here.

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Speaker 4: And I've worked my entire life to get here.

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Speaker 2: Yeah. Absolutely, And look, I'm very well aware of my position.

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Speaker 2: I'm very privileged.

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Speaker 4: Okay, you're not privileged. No, that's not privilege. That's intelligence,

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Speaker 4: my friend, that's you being a smart cookie. That's your

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Speaker 4: experience as Nigel. Yeah, coming out.

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Speaker 2: Nigel definitely helped. But yeah, so I did that, and

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Speaker 2: I like, but I suppose this is where I say, yeah,

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Speaker 2: I don't know. The reason I call it privilege is

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Speaker 2: because I genuinely just scraped through, like I just got

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Speaker 2: enough to leave my application in and I actually forgot

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Speaker 2: that I had left my application in to medicine.

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Speaker 4: Okay, but peace get degree.

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Speaker 2: Yes, honestly. Yeah. So and then randomly I was checking

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Speaker 2: my junk email and I had an interview in two days, so.

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Speaker 4: Your mad interview was in your junk keymail, and you

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Speaker 4: were like, ah, oh lucky. I got that two days before.

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Speaker 4: Were you like, oh, actually, I can reschedule that coffee

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Speaker 4: with a friend I might go.

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Speaker 2: Yeah exactly. It was Yeah, like I said, I'm definitely

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Speaker 2: the Swiss cheese model. I fell through every crack somehow.

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Speaker 4: I like that. Yeah, I like that. Swiss cheese is

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Speaker 4: also delicious.

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Speaker 2: I mean, it's not a bad thing to be.

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Speaker 4: Hey, what happened next? Yeah?

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Speaker 2: So at the same time, so I was offered to

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Speaker 2: increase my I guess responsibility and move off to the ranks.

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Speaker 2: And I said, I can't do it full time, but

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Speaker 2: I can take it on until, like I can take

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Speaker 2: it on as an acting role. And they said yep.

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Speaker 2: So I think my salary was I think it was

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Speaker 2: like a one oh one, literally one hundred thousand.

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Speaker 4: So I like just just got over Yeah.

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Speaker 2: And I did that for about seven months, and then

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Speaker 2: I dropped down to part time when I started med

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Speaker 2: school the following year. Oh yeah, spoilerrelo, I got into.

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Speaker 4: Med Really, who would have seen that coming?

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Speaker 2: Yeah? And then I started the following year and I

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Speaker 2: worked part time for that first year and then I

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Speaker 2: just I couldn't do it. It was I just yeah,

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Speaker 2: there was way too much, the expectation and the way

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Speaker 2: that covid that whole role had grown over the time.

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Speaker 2: It was if you were ever to the stars. Knew

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Speaker 2: the changes, and I've been there from the start, but

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Speaker 2: I just couldn't keep up with it anymore because it

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Speaker 2: changed so dynamically, like every you know, twelve hours there

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Speaker 2: was a new policy and whatnot.

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Speaker 4: Yeah, and like I know that we're laughing about you

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Speaker 4: being the Swiss Cheese model and falling through the cracks,

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Speaker 4: but like there is nothing Swiss cheese model about either

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Speaker 4: doing that role or doing med Like it is grueling,

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Speaker 4: it is hard. There's no way you would have been

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Speaker 4: able to actually do that if you weren't intelligent and

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Speaker 4: you weren't someone who had put that all into study

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Speaker 4: and actually getting it done. So like, even though we're

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Speaker 4: having a bit of a laugh about like a ha haha,

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Speaker 4: I just scraped through, Like even scraping through is so

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Speaker 4: flipping hard, Like so many people fail that, so many

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Speaker 4: people do not get in and make the cut and

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Speaker 4: it's their life dream. So I don't want anyone to

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Speaker 4: think that, oh, the's laughing at the fact that she

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Speaker 4: scraped through. But it's hard, No, no, no, I get it.

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Speaker 4: It's I've had a few friends go through that and

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Speaker 4: it's a nightmare process. I just love your attitude towards

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Speaker 4: it though you're just like yollow, I'm a doctor.

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Speaker 2: I think it's just like one of those things you

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Speaker 2: have to roll with. But yeah, absolutely recognize. It's devastating,

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Speaker 2: particularly when there's so many people who want and just

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Speaker 2: born to be a doctor and they can't get there

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Speaker 2: because of a stupid exam that doesn't mean anything like

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Speaker 2: that's the issue. It's like it's not a good respect

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Speaker 2: of how good of a doctor that person will be,

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Speaker 2: and I think they're moving away from that as a whole.

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Speaker 4: That is, I guess a summary of the entire world. Right.

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Speaker 4: I feel like so many people are born to be

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Speaker 4: things and due to their circumstances or abilities, aren't able

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Speaker 4: to do it when they'd be the best ones for

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Speaker 4: the role. Right, Yeah, like insane. Anyway, I want to

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Speaker 4: know more about you, not about the economy. So tell

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Speaker 4: me what happened next you got into university. You are

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Speaker 4: becoming a baby doctor. It got all too much. You

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Speaker 4: did part time and that's I'm assuming when you went

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Speaker 4: to let's I'm taking a stab in the dark here

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Speaker 4: you moved on to cent Link with zero dollars in savings.

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Speaker 2: Yeah, literally, So I was living in one of the

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Speaker 2: major cities and yeah, rent was just a lot in

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Speaker 2: that time, and so all of my savings that I

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Speaker 2: had saved and that two year period kind of went

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Speaker 2: onto life. Yeah, and I think I'd saved enough to

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Speaker 2: do that, so I was able to like support myself

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Speaker 2: and get myself through to not work as much. But

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Speaker 2: I also had the gap of no Seni Link because

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Speaker 2: I earned just too much as a part timer. So

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Speaker 2: I was in this position where if I didn't work,

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Speaker 2: I couldn't live. But if I worked, like I was

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Speaker 2: not okay. I was just burning out. So I eventually

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Speaker 2: had to cool my parents crying being I met my

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Speaker 2: last dollars, like I don't think I can survive like

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Speaker 2: doing this, and I'm very fortunate and lucky. And my

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Speaker 2: parents were like, yeah, like if if this is what

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Speaker 2: needs to happen, like we can support.

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Speaker 4: You for That's so sweet.

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Speaker 2: Yeah, yeah that was.

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Speaker 4: And you just know, like I know that you prefaced

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Speaker 4: it before you were Like, I had a middle class

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Speaker 4: up bringing. My parents were hairdresser and a nurse from

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Speaker 4: memory and I just know that that would have put

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Speaker 4: them out financially, but like they wanted to help you. Yeah,

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Speaker 4: that's so sweet, and I know that that you know

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Speaker 4: it ebbs and flows, but it's so nice that you

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Speaker 4: have that because so many people fall off the train

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Speaker 4: when it comes to medicine because they just can't cut

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Speaker 4: it and it is unfeasible. As a baby doctor or

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Speaker 4: I call them baby doctors because I've got so many

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Speaker 4: friends that went into medicine. I'm like, they're the baby doctors,

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Speaker 4: even now they're real doctors. I'm like, baby doctor. It's

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Speaker 4: unfeasible most of the time to work and to study,

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Speaker 4: Like it's just actually unreasonable. Like the amount of study

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Speaker 4: you have to do outside class hours is insane to

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Speaker 4: keep up. Like even having a retail job or a

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Speaker 4: hospitality job for most of them doesn't work. And we've

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Speaker 4: had money diarists on the show before who have spoken

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Speaker 4: about their med school careers I suppose and talked about

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Speaker 4: how hard that is, and even one of them was saying,

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Speaker 4: you know what I did to make money and I

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Speaker 4: supported myself. I sold my notes because that's what I

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Speaker 4: spent all my time doing. I sold all of my

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Speaker 4: class notes, and that's how I got by. Like it's hard,

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Speaker 4: so I'm not surprised you ended up there.

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Speaker 2: Yeah. Absolutely, And I am a bit too chaotic to actually,

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Speaker 2: you know, make pretty notes, so I definitely couldn't sell mine.

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Speaker 2: Hear that, And I thought I was very very smart.

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Speaker 4: It's real, real thrifty. Hey, I'm like, you're a genius.

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Speaker 4: Love it.

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Speaker 2: But yeah, it couldn't be me. I'm not organized enough,

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Speaker 2: that's for sure.

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Speaker 4: Couldn't be me. But proud of her, yeah, love it.

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Speaker 2: Yeah, so that's probably I guess where I kind of

349
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Speaker 2: when I was like, okay, MoMA, d I need help,

350
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Speaker 2: and then I randomly as a Dolomites kid. Mom and

351
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Speaker 2: I have had a shared bank account since basically I

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Speaker 2: was born and still love it. So even when I

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Speaker 2: moved overseas, I put my money in that account so

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Speaker 2: she could still technically help if I needed to. And

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Speaker 2: it's just an easy access point for us.

356
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Speaker 4: That's so cute, that's so trusting as well.

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Speaker 2: Yeah, it's not for everyone, I'll say that much. And

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Speaker 2: my siblings definitely don't have it in play anymore.

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Speaker 4: So they're like Nigel's crazy.

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Speaker 2: Yeah, but it has been I guess handy because we've

361
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Speaker 2: done that kind of what She's been able to support

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Speaker 2: me and help out, which is.

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Speaker 4: That's so nice to be able to get through it.

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Speaker 4: And now you're in your final year of med school?

365
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Speaker 4: Is that right?

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Speaker 2: Nearly there? And I've just started working again this year.

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Speaker 2: I've got a bit more I will say a bit

368
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Speaker 2: more time, but I've actually just filled it all. But yeah,

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Speaker 2: I'm working again as of this. Yara work remote, which

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Speaker 2: is great.

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Speaker 4: I was about to say what type of work are

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Speaker 4: you doing? It actually slots in with being a med

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Speaker 4: student in their final year.

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Speaker 2: Yeah, I'm doing health admin which is pretty crazy perfect,

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Speaker 2: I'm honest, And yeah, it's remote work. I can do

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Speaker 2: it wherever I am, so I can visit family and

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Speaker 2: friends and just take it with me and do it

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Speaker 2: wherever I am.

379
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Speaker 4: Oh, how good? Now tell me about what the future

380
00:17:27,880 --> 00:17:31,200
Speaker 4: looks like. You are currently a med student. You are thirty.

381
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Speaker 4: I want to talk about that fertility preservation treatment in

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Speaker 4: a hot minute, But like, what kind of doctor do

383
00:17:36,359 --> 00:17:38,320
Speaker 4: you want to be? What does you know it look

384
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Speaker 4: like once you graduate?

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Speaker 2: Yeah? Money, question that one. So I really want to

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Speaker 2: practice rurally. I like the idea of a rural generalist,

387
00:17:46,960 --> 00:17:49,840
Speaker 2: which is essentially a GP who has advanced skills, so

388
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Speaker 2: you can work as an emergency doctor or a pediatrician

389
00:17:53,240 --> 00:17:56,399
Speaker 2: or hell care or whatever it might be, so you

390
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Speaker 2: can kind of do all of the other different types

391
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Speaker 2: of medicine as well as being a GP. I like

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Speaker 2: that concept, but we'll see. But I do really like pediatrics,

393
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Speaker 2: so working with kids and emergency medicine as well. So

394
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Speaker 2: that's kind of where I'm kind of gearing towards at

395
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Speaker 2: the moment, But we'll see what happens. We've got to

396
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Speaker 2: do like general years first, so I'll see what I

397
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Speaker 2: like then. And yeah, I suppose because I'm thirty, I'm

398
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Speaker 2: kind of thinking about what's going to happen in my

399
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Speaker 2: next five years and ten years. And there's obviously some

400
00:18:26,040 --> 00:18:28,880
Speaker 2: other stuff. You know, you mentioned the fertility preservation stuff

401
00:18:28,880 --> 00:18:29,680
Speaker 2: I've been going through.

402
00:18:29,960 --> 00:18:32,199
Speaker 4: Yeah, I want to know more about that because to me,

403
00:18:32,359 --> 00:18:34,439
Speaker 4: it makes a lot of sense because you told me earlier.

404
00:18:34,520 --> 00:18:36,840
Speaker 4: I'm thirty, you know, I'm actually in my final year

405
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Speaker 4: as a med student. And while I hate the fact

406
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Speaker 4: that women have to choose between a career and you know,

407
00:18:43,000 --> 00:18:45,919
Speaker 4: having a family, at the moment, you're kind of like

408
00:18:46,240 --> 00:18:49,320
Speaker 4: at that juxtaposition where you're probably and this is an assumption,

409
00:18:49,400 --> 00:18:51,000
Speaker 4: you can tell me to go shove it or not.

410
00:18:51,359 --> 00:18:53,520
Speaker 4: You're probably starting to feel a bit of pressure because

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Speaker 4: I remember when I turned thirty going, oh, I never

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Speaker 4: thought about my fertility like windows or my biology, cool clock,

413
00:19:00,960 --> 00:19:03,119
Speaker 4: and doing medicine, you'd know a lot more about that

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Speaker 4: than the average bear. So tell me why you're going

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Speaker 4: through that fertility preservation treatment pathway and like, what does

416
00:19:09,720 --> 00:19:11,480
Speaker 4: that actually look like? How much is it costing you?

417
00:19:11,680 --> 00:19:15,720
Speaker 2: Yeah? Sure, yeah a lot. Although yeah, I suppose in

418
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Speaker 2: terms of the why. So I started thinking about it,

419
00:19:19,160 --> 00:19:21,440
Speaker 2: I guess last year, and I was like, oh, maybe

420
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Speaker 2: I should look into it, and then I thought, oh,

421
00:19:22,840 --> 00:19:25,480
Speaker 2: I'll just start taking the steps, and it was more

422
00:19:25,480 --> 00:19:27,520
Speaker 2: of an insurance policy. So I was doing it just

423
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Speaker 2: to kind of have the eggs in the bank. And

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Speaker 2: I'm again talking from a very privileged position. I know

425
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Speaker 2: not everyone's in that situation. That's possible, but this was

426
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Speaker 2: my experience, and so I suppose I kind of started

427
00:19:38,880 --> 00:19:42,480
Speaker 2: looking into it as an insurance thing, and then as

428
00:19:42,520 --> 00:19:44,800
Speaker 2: I started doing that, I found out that I actually

429
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Speaker 2: had some medical reasons that needed to have it done for.

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Speaker 4: Wow, yeah, and you wouldn't have known if you hadn't

431
00:19:50,440 --> 00:19:51,560
Speaker 4: started going down that path.

432
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Speaker 2: So it very much went from a like I literally

433
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Speaker 2: was going to do it as like a backup plan,

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00:19:56,440 --> 00:19:58,640
Speaker 2: and then I went in and I remember sitting down

435
00:19:58,680 --> 00:20:00,399
Speaker 2: in front of this like the nurse case that I

436
00:20:00,400 --> 00:20:02,560
Speaker 2: hadn't met before, and within like two minutes she was like, yeah,

437
00:20:02,560 --> 00:20:04,040
Speaker 2: so if you want to have kids, you'll have to

438
00:20:04,040 --> 00:20:04,760
Speaker 2: do it in the next year.

439
00:20:04,800 --> 00:20:07,040
Speaker 4: And I was just like, I'm sorry, what. Yeah. I

440
00:20:07,080 --> 00:20:11,040
Speaker 4: was like, uh, no pressure, and like, to be really pervy,

441
00:20:11,040 --> 00:20:11,920
Speaker 4: Do you have a partner?

442
00:20:12,000 --> 00:20:14,240
Speaker 2: I do, but he's also twenty five and.

443
00:20:14,320 --> 00:20:17,040
Speaker 4: You know he's not ready and you're not at that

444
00:20:17,280 --> 00:20:19,399
Speaker 4: point in your life where that's what you want to do.

445
00:20:19,600 --> 00:20:22,119
Speaker 4: Oh my god, the pressure? How did that go? I

446
00:20:22,119 --> 00:20:26,280
Speaker 4: would have probably burst into tears. I did, yeah, normal response,

447
00:20:26,359 --> 00:20:28,320
Speaker 4: And then what you go home and have a chat

448
00:20:28,320 --> 00:20:30,760
Speaker 4: with your partner and be like we're not ready for this, yeah.

449
00:20:30,520 --> 00:20:32,720
Speaker 2: And like we'd already have the chat obviously because I

450
00:20:32,720 --> 00:20:35,120
Speaker 2: was starting to look into it, so we already were out.

451
00:20:35,160 --> 00:20:39,080
Speaker 2: And then I was like, actually, guess what. So yeah,

452
00:20:39,280 --> 00:20:42,320
Speaker 2: it was not good, and as you could expect, I

453
00:20:42,400 --> 00:20:44,560
Speaker 2: was a mess and it also was like a very

454
00:20:44,640 --> 00:20:46,440
Speaker 2: much a thing of Okay, we need to start this now.

455
00:20:47,119 --> 00:20:51,080
Speaker 2: So it was I think two weeks later I was injecting.

456
00:20:50,680 --> 00:20:52,800
Speaker 4: Like wow, do with injections and.

457
00:20:52,760 --> 00:20:56,639
Speaker 2: Taking the medications. So yeah, it was a really quick turnaround.

458
00:20:56,680 --> 00:20:59,680
Speaker 2: And again, I'm very lucky to have had the support

459
00:20:59,720 --> 00:21:02,480
Speaker 2: of my family, and i'd kind of spoken to mom

460
00:21:02,480 --> 00:21:04,080
Speaker 2: and dad and seeing whether or not that was something

461
00:21:04,119 --> 00:21:06,280
Speaker 2: they could assist me with, knowing that you know, in

462
00:21:06,359 --> 00:21:08,159
Speaker 2: a year's time, I hopefully will have an incoming can

463
00:21:08,200 --> 00:21:08,720
Speaker 2: pay back.

464
00:21:09,080 --> 00:21:09,800
Speaker 4: Yeah, of course.

465
00:21:10,080 --> 00:21:12,480
Speaker 2: Yeah, so I was kind of in a position where

466
00:21:12,480 --> 00:21:14,400
Speaker 2: they were able to help with that, which I'm so

467
00:21:14,440 --> 00:21:15,919
Speaker 2: grateful for and lucky.

468
00:21:16,200 --> 00:21:18,479
Speaker 4: The other thing I will interject with here is if

469
00:21:18,560 --> 00:21:20,439
Speaker 4: people are going through this and they don't have that

470
00:21:20,520 --> 00:21:23,639
Speaker 4: family support, you are able to access your superannuation for

471
00:21:23,720 --> 00:21:27,080
Speaker 4: stuff like this. So you are able to access your

472
00:21:27,080 --> 00:21:29,520
Speaker 4: funds in your super to be able to pay for

473
00:21:29,600 --> 00:21:33,880
Speaker 4: fertility treatments and you know, egg preservation and things like that.

474
00:21:34,040 --> 00:21:35,840
Speaker 4: And if you are confused about it, there's heaps of

475
00:21:35,840 --> 00:21:38,480
Speaker 4: information online, but the best thing you can do is

476
00:21:38,480 --> 00:21:41,240
Speaker 4: actually call your super company and have a chat with

477
00:21:41,280 --> 00:21:43,320
Speaker 4: them about what that might mean for you. Because they

478
00:21:43,359 --> 00:21:46,600
Speaker 4: will let you know what that process looks like, how

479
00:21:46,640 --> 00:21:50,400
Speaker 4: you access funding, what it means to access funding, where

480
00:21:50,440 --> 00:21:53,119
Speaker 4: you can go where you might not go, and you

481
00:21:53,160 --> 00:21:55,720
Speaker 4: know how much you can actually get because it's going

482
00:21:55,760 --> 00:21:58,560
Speaker 4: to depend on how you access it. But I don't

483
00:21:58,560 --> 00:22:00,560
Speaker 4: want people to think that, Oh my god, and I

484
00:22:00,600 --> 00:22:04,040
Speaker 4: know that Nigel, your experience is a bit different. But

485
00:22:04,800 --> 00:22:07,040
Speaker 4: it's so nice that you've got that support. But you

486
00:22:07,119 --> 00:22:11,639
Speaker 4: can access your superannuation and while obviously from a wealth

487
00:22:11,640 --> 00:22:13,720
Speaker 4: point of view, that's not the best thing ever, we

488
00:22:13,760 --> 00:22:17,399
Speaker 4: can also access it, get the fertility treatment we need,

489
00:22:17,480 --> 00:22:20,320
Speaker 4: and talk about how we build that amount back up

490
00:22:20,400 --> 00:22:23,960
Speaker 4: before we retire, so we're not, you know, behind on anything,

491
00:22:24,280 --> 00:22:26,240
Speaker 4: Like there's always going to be a strategy at play,

492
00:22:26,320 --> 00:22:28,080
Speaker 4: and if it means that, you know, in the next

493
00:22:28,119 --> 00:22:30,840
Speaker 4: couple of years at work, we contribute a few extra

494
00:22:30,920 --> 00:22:34,000
Speaker 4: dollars each month towards your super, so over the long

495
00:22:34,080 --> 00:22:35,919
Speaker 4: term it builds back up. I think we're in the

496
00:22:35,920 --> 00:22:39,200
Speaker 4: best possible position for everyone. Sorry side note, because I

497
00:22:39,280 --> 00:22:41,240
Speaker 4: want everyone to have access to this. Yeah.

498
00:22:41,280 --> 00:22:44,600
Speaker 2: Absolutely, it's like such a huge I guess weight to

499
00:22:44,960 --> 00:22:47,320
Speaker 2: kind of take on. And yeah, like I said, I'm

500
00:22:47,359 --> 00:22:49,480
Speaker 2: very lucky to be in the position, but I can't

501
00:22:49,520 --> 00:22:52,520
Speaker 2: imagine being in a position where it's something that I

502
00:22:52,560 --> 00:22:56,560
Speaker 2: feel is invisible. So I completely yeah, really important.

503
00:22:56,560 --> 00:22:58,680
Speaker 4: So where are you at in that process now?

504
00:22:58,840 --> 00:23:02,920
Speaker 2: Yeah, I've had two of egg collection. I didn't have

505
00:23:03,280 --> 00:23:07,880
Speaker 2: great numbers collected, which was traumatic to say the least it.

506
00:23:07,880 --> 00:23:11,120
Speaker 4: Would be because you're already going through a traumatic process.

507
00:23:11,119 --> 00:23:14,399
Speaker 4: You're injecting yourself, you're going through a whole heap of

508
00:23:14,440 --> 00:23:17,320
Speaker 4: trashy emotions like they boost all of your hormone like

509
00:23:17,359 --> 00:23:20,400
Speaker 4: it would have been trash you to then find out

510
00:23:20,400 --> 00:23:23,000
Speaker 4: you didn't have enough eggs like collected and that you

511
00:23:23,080 --> 00:23:23,800
Speaker 4: have to go again.

512
00:23:24,119 --> 00:23:26,080
Speaker 2: Yeah, And they kind of started with being like we're

513
00:23:26,080 --> 00:23:28,440
Speaker 2: going to collect this amount, and then it was every

514
00:23:28,440 --> 00:23:30,480
Speaker 2: time I spoke to someone else, it just got lower

515
00:23:30,520 --> 00:23:32,720
Speaker 2: and lower and lower and lower and lower, and I

516
00:23:32,960 --> 00:23:34,120
Speaker 2: just it was just awful.

517
00:23:34,240 --> 00:23:37,479
Speaker 4: I'm so sorry. That's really just honestly, it's really shitty.

518
00:23:37,560 --> 00:23:39,720
Speaker 2: Yeah, it is shitty, but that was that's all right.

519
00:23:39,760 --> 00:23:41,960
Speaker 2: I went through and at least no one else has to, hopefully,

520
00:23:42,280 --> 00:23:46,280
Speaker 2: But yeah, it just took a big toll. And of course,

521
00:23:46,320 --> 00:23:49,840
Speaker 2: because things don't happen to me in you know, small

522
00:23:49,840 --> 00:23:52,639
Speaker 2: little batches. It all happens at once. I also happened

523
00:23:52,640 --> 00:23:55,680
Speaker 2: to be on obstetrips and gynecology at the time. My

524
00:23:55,840 --> 00:23:58,959
Speaker 2: rotation and pediatrics were my two rotations over that period,

525
00:23:59,040 --> 00:24:00,760
Speaker 2: So that was a real knife in the gut.

526
00:24:01,640 --> 00:24:04,360
Speaker 4: Yeah, just a really heavy piece of content that you're

527
00:24:04,400 --> 00:24:08,320
Speaker 4: having to deal with every single day. Oh, I'm so sorry.

528
00:24:08,359 --> 00:24:10,800
Speaker 2: It was challenging. But anyway, enough of that, that's you know,

529
00:24:10,920 --> 00:24:13,440
Speaker 2: it is what it is. Can't change it. And I've

530
00:24:13,600 --> 00:24:15,880
Speaker 2: gone through two cycles. I think at this stage I'm

531
00:24:15,920 --> 00:24:18,280
Speaker 2: just going to pause on it for a little bit

532
00:24:18,320 --> 00:24:21,600
Speaker 2: because it really did take a toll, and I will

533
00:24:21,600 --> 00:24:23,280
Speaker 2: look at it again next year when I have the

534
00:24:23,320 --> 00:24:25,720
Speaker 2: income to support myself to do it. At the moment,

535
00:24:25,800 --> 00:24:29,920
Speaker 2: so in terms of cost, my initial quotes were, I

536
00:24:29,960 --> 00:24:32,560
Speaker 2: think it was seven and a half thousand plus the

537
00:24:32,560 --> 00:24:34,440
Speaker 2: antisepty which is about four hundred.

538
00:24:34,119 --> 00:24:35,800
Speaker 4: Bucks per cycle per.

539
00:24:35,680 --> 00:24:38,959
Speaker 2: Cycle, yeah, plus the day procedure, which was I think

540
00:24:39,080 --> 00:24:41,800
Speaker 2: nine to ninety as well, So it was around about

541
00:24:41,960 --> 00:24:43,440
Speaker 2: just shire ten thousand.

542
00:24:43,160 --> 00:24:44,439
Speaker 4: Ten thousand dollars around.

543
00:24:44,600 --> 00:24:47,640
Speaker 2: It was out of pocket without private health, without Medicare,

544
00:24:47,880 --> 00:24:52,920
Speaker 2: and then Medicare. I hit my top rebate, my threshold sorry,

545
00:24:53,560 --> 00:24:57,720
Speaker 2: and it was then changed to be a medically required procedure.

546
00:24:58,440 --> 00:25:01,040
Speaker 2: So I think in the end, out of pocket, I

547
00:25:01,040 --> 00:25:03,720
Speaker 2: think it's three and a half of three thy six

548
00:25:03,800 --> 00:25:06,119
Speaker 2: hundred per cycle was what it ended up costing me

549
00:25:06,160 --> 00:25:07,360
Speaker 2: out of pocket, which.

550
00:25:07,160 --> 00:25:10,399
Speaker 4: Is still a lot of money. And we're not just

551
00:25:10,480 --> 00:25:12,600
Speaker 4: talking like a lot of money to guarantee you have

552
00:25:12,720 --> 00:25:15,080
Speaker 4: kids either, we're talking a lot of money for a

553
00:25:15,080 --> 00:25:18,639
Speaker 4: better chance at having kids, yes, exactly, and so like

554
00:25:18,680 --> 00:25:22,040
Speaker 4: that would weigh really heavily. And it also doesn't include

555
00:25:22,200 --> 00:25:25,280
Speaker 4: all of the cost of storage because those eggs need

556
00:25:25,320 --> 00:25:27,760
Speaker 4: to be stored over the long term, and then once

557
00:25:27,800 --> 00:25:31,760
Speaker 4: you decide to use one of your eggs, the insemination process.

558
00:25:32,080 --> 00:25:34,639
Speaker 4: So it's actually insane to think what we have to

559
00:25:34,680 --> 00:25:37,120
Speaker 4: go through as women to start a family. But I'm

560
00:25:37,119 --> 00:25:39,480
Speaker 4: really proud that you went through that because it's probably

561
00:25:39,480 --> 00:25:41,280
Speaker 4: giving you a little bit of peace of mind, is

562
00:25:41,280 --> 00:25:41,640
Speaker 4: that right?

563
00:25:41,720 --> 00:25:44,440
Speaker 2: Yeah? Absolutely. I think what I have now is obviously

564
00:25:44,480 --> 00:25:46,920
Speaker 2: not what I want to end up with, so I'll

565
00:25:46,960 --> 00:25:49,840
Speaker 2: definitely go further with it as needed, but for now,

566
00:25:49,880 --> 00:25:53,040
Speaker 2: I'm happy enough that I have something to work with.

567
00:25:53,080 --> 00:25:54,680
Speaker 4: And yeah, no, I love that.

568
00:25:54,720 --> 00:25:57,280
Speaker 2: And just on the freezing, my freezing costs are two

569
00:25:57,400 --> 00:25:59,639
Speaker 2: hundred and fifty five dollars every six months.

570
00:26:00,359 --> 00:26:03,919
Speaker 4: Every six months. Yeah, Oh my gosh, that feels like

571
00:26:04,040 --> 00:26:06,320
Speaker 4: a massive Like I feel like my phone bill is

572
00:26:06,400 --> 00:26:08,359
Speaker 4: less than that. Yeah, Like, oh my god.

573
00:26:08,600 --> 00:26:12,560
Speaker 2: Yeah, So anyway, just some more in pro I guess.

574
00:26:12,440 --> 00:26:14,080
Speaker 4: Oh my gosh. All right, Well, I've got a heap

575
00:26:14,119 --> 00:26:15,840
Speaker 4: of questions for you. I want to know how much

576
00:26:15,840 --> 00:26:18,159
Speaker 4: a you're earning right now. You mentioned before that you

577
00:26:18,240 --> 00:26:20,560
Speaker 4: were doing health admin and what does that mean and

578
00:26:20,600 --> 00:26:21,480
Speaker 4: how much does that pay?

579
00:26:21,600 --> 00:26:24,200
Speaker 2: Yeah, so at the moment, I'm basically just managing waiting

580
00:26:24,240 --> 00:26:28,720
Speaker 2: rooms for our online service, and it depends. I'm a

581
00:26:28,840 --> 00:26:32,840
Speaker 2: casual employee, so it changes every fortnite. So you paid

582
00:26:32,840 --> 00:26:36,680
Speaker 2: for pnately roughly, I would say I get anywhere between

583
00:26:37,080 --> 00:26:39,760
Speaker 2: six hundred dollars to one thousand dollars a fortnight through

584
00:26:39,800 --> 00:26:43,760
Speaker 2: that job. It pays pretty decently, and sorry, I should

585
00:26:43,800 --> 00:26:44,600
Speaker 2: say very decently.

586
00:26:44,800 --> 00:26:46,600
Speaker 4: Really, how much is that per hour?

587
00:26:46,880 --> 00:26:49,800
Speaker 2: It's about thirty six dollars per hour, and then I'm

588
00:26:49,840 --> 00:26:53,160
Speaker 2: on top of that weekend I guess rates as well.

589
00:26:53,320 --> 00:26:55,600
Speaker 4: Our loadings and stuff as well, and you get to

590
00:26:55,600 --> 00:26:58,640
Speaker 4: work from home. You're just online making thirty six bucks

591
00:26:58,640 --> 00:27:01,080
Speaker 4: in it, okay, must be night, that's all right.

592
00:27:01,960 --> 00:27:04,679
Speaker 2: Yeah, so I do that, and then I also get

593
00:27:04,760 --> 00:27:07,879
Speaker 2: center links still, which is about six hundred and twenty

594
00:27:07,920 --> 00:27:10,360
Speaker 2: I think per fortnite. So you can understand why I live.

595
00:27:10,359 --> 00:27:12,200
Speaker 2: You off six hundred and twenty bucks a fortnight was

596
00:27:12,200 --> 00:27:13,560
Speaker 2: a bit difficult without a job, all.

597
00:27:13,480 --> 00:27:17,400
Speaker 4: Right, Yeah, it definitely is. And as a student, even

598
00:27:17,440 --> 00:27:20,000
Speaker 4: you're just your costs over the year for rent and

599
00:27:20,040 --> 00:27:24,400
Speaker 4: food and even textbooks to study, like, it's more than that. Absolutely,

600
00:27:24,400 --> 00:27:27,199
Speaker 4: So you do often see people having to work. But

601
00:27:27,240 --> 00:27:29,480
Speaker 4: it's nice that the top up exists because I know

602
00:27:29,560 --> 00:27:33,120
Speaker 4: it's not the same for lots of other countries. Tell

603
00:27:33,160 --> 00:27:35,320
Speaker 4: me what's your big money goal at the moment? We

604
00:27:35,480 --> 00:27:38,040
Speaker 4: talked about fertility, We talked about you having a partner, Like,

605
00:27:38,160 --> 00:27:40,919
Speaker 4: is it property? Is it you know this fertility stuff.

606
00:27:40,960 --> 00:27:43,560
Speaker 4: Is it being able to move regionally to be a

607
00:27:43,600 --> 00:27:45,760
Speaker 4: regional doctor? Like, what are your big money goals?

608
00:27:45,840 --> 00:27:47,800
Speaker 2: Yeah, so at the moment, my biggest money goal is

609
00:27:47,880 --> 00:27:50,000
Speaker 2: actually going overseas for a trip.

610
00:27:51,160 --> 00:27:53,640
Speaker 4: Oh you know what, babe, you deserve it. What does

611
00:27:53,680 --> 00:27:54,280
Speaker 4: that look like?

612
00:27:54,440 --> 00:27:55,919
Speaker 2: Yeah, at the end of the year, we're hoping to

613
00:27:56,119 --> 00:27:57,760
Speaker 2: a few of us go overseas. And have a bit

614
00:27:57,760 --> 00:27:59,320
Speaker 2: of a break before we start working.

615
00:27:59,480 --> 00:28:03,080
Speaker 4: We sell reading the fact that we're graduating as doctors, like, oh,

616
00:28:03,119 --> 00:28:03,800
Speaker 4: how cool.

617
00:28:04,359 --> 00:28:08,560
Speaker 2: So we're hoping to do balley in Japan, which will

618
00:28:08,600 --> 00:28:12,680
Speaker 2: be fun. And at the moment, flights accommodation for BALI

619
00:28:12,720 --> 00:28:15,280
Speaker 2: are costing us about all one thousand and two hundred,

620
00:28:15,320 --> 00:28:18,439
Speaker 2: I'll say, and we haven't really costed Japan yet, but.

621
00:28:18,359 --> 00:28:20,120
Speaker 4: A bit more expensive. But I feel like it's really

622
00:28:20,119 --> 00:28:23,400
Speaker 4: reasonable at the moment. Yeah, like super reasonable. I would

623
00:28:23,480 --> 00:28:25,840
Speaker 4: love to visit Japan, and everyone in my team except

624
00:28:25,880 --> 00:28:29,240
Speaker 4: for me, has in the recent years and apparently it's incredible,

625
00:28:29,280 --> 00:28:32,480
Speaker 4: Like Jess and Beck rave about Japan. They're both the

626
00:28:32,520 --> 00:28:34,800
Speaker 4: biggest Japan fans. So I feel like it would be

627
00:28:34,840 --> 00:28:37,000
Speaker 4: rude not to try, given they've got good recommendation.

628
00:28:37,080 --> 00:28:39,200
Speaker 2: Ye, give it a go. Well, yeah, I'm very excited.

629
00:28:39,360 --> 00:28:42,120
Speaker 2: So we're hoping to do that. I'm aiming to save

630
00:28:43,120 --> 00:28:45,480
Speaker 2: I think I'll be lucky if I eight grand for that,

631
00:28:45,840 --> 00:28:47,120
Speaker 2: but I am hoping.

632
00:28:48,280 --> 00:28:51,760
Speaker 4: I feel like that's reasonable, that's reasonable, and also that

633
00:28:51,800 --> 00:28:55,080
Speaker 4: would be a good holiday. Yeah, I agree for two locations.

634
00:28:55,120 --> 00:28:58,239
Speaker 2: Yeah, so that's the plan. That's the big money goal

635
00:28:58,280 --> 00:29:01,640
Speaker 2: at the moment, and then I think the plan after

636
00:29:01,720 --> 00:29:05,760
Speaker 2: that is to kind of start saving and look at property.

637
00:29:05,920 --> 00:29:07,600
Speaker 4: Then oh, I love that. All right, let's go to

638
00:29:07,640 --> 00:29:09,360
Speaker 4: a really quick break on the flip side. I want

639
00:29:09,360 --> 00:29:11,600
Speaker 4: to know your thoughts about investments and debt and then

640
00:29:11,640 --> 00:29:13,680
Speaker 4: your best and worst money habits. I feel like as

641
00:29:13,880 --> 00:29:17,120
Speaker 4: a med student you've probably got a few savvy habits

642
00:29:17,160 --> 00:29:19,920
Speaker 4: that we can learn from. So guys, don't go anywhere

643
00:29:24,280 --> 00:29:27,400
Speaker 4: money Direstaret Nigel, as you've become known on this episode.

644
00:29:27,440 --> 00:29:30,440
Speaker 4: We are back, and I'm really excited about this episode.

645
00:29:30,480 --> 00:29:33,600
Speaker 4: I feel like you are one very engaging to talk to,

646
00:29:33,680 --> 00:29:36,400
Speaker 4: which is why the first half of the episode was

647
00:29:36,560 --> 00:29:39,120
Speaker 4: very rich and very long. I have adored talking to

648
00:29:39,160 --> 00:29:42,960
Speaker 4: you thus far, but it's also been super interesting. I

649
00:29:43,000 --> 00:29:45,960
Speaker 4: want to know, though, as a Med student who has

650
00:29:46,000 --> 00:29:49,280
Speaker 4: gone from, you know, earning one hundred thousand dollars to

651
00:29:49,360 --> 00:29:52,160
Speaker 4: then being on centlink and having zero dollars in savings,

652
00:29:52,400 --> 00:29:54,720
Speaker 4: what are your thoughts on investments? Do you have them?

653
00:29:54,800 --> 00:29:55,840
Speaker 4: Do you think about them?

654
00:29:55,880 --> 00:29:56,000
Speaker 1: Like?

655
00:29:56,080 --> 00:29:58,560
Speaker 4: What does that look like at this point in your journey?

656
00:29:58,960 --> 00:30:02,320
Speaker 2: Yeah, so I obviously has some super up my stall. Yes,

657
00:30:03,080 --> 00:30:06,760
Speaker 2: so at the moment my super sitting at about thirty

658
00:30:06,800 --> 00:30:07,760
Speaker 2: one thousand dollars.

659
00:30:08,600 --> 00:30:12,280
Speaker 4: Honestly, not that bad for being thirty and having studied

660
00:30:12,320 --> 00:30:12,960
Speaker 4: for so long.

661
00:30:13,040 --> 00:30:15,120
Speaker 2: Yeah, yeah, I worked down. I'm in my tenth year

662
00:30:15,160 --> 00:30:16,800
Speaker 2: of university, which is crazy.

663
00:30:16,840 --> 00:30:19,000
Speaker 4: I feel like that's a common doctor experience.

664
00:30:19,120 --> 00:30:22,040
Speaker 2: Yeah. So I suppose the only issue with that is

665
00:30:22,080 --> 00:30:23,840
Speaker 2: that I had a couple of years where I wasn't

666
00:30:24,120 --> 00:30:27,360
Speaker 2: contributing at all, so obviously didn't get that compounding interest.

667
00:30:27,520 --> 00:30:30,360
Speaker 4: But we're aware of it, and that is okay, And

668
00:30:31,280 --> 00:30:33,840
Speaker 4: let's be honest. I feel like there is a misconception

669
00:30:33,920 --> 00:30:36,640
Speaker 4: that doctors earned the big bucks always and that's not

670
00:30:36,680 --> 00:30:40,080
Speaker 4: necessarily true. But it is a steady and good income.

671
00:30:40,440 --> 00:30:42,680
Speaker 4: So once you do get to that stage, we can

672
00:30:42,680 --> 00:30:43,640
Speaker 4: probably build it back up.

673
00:30:43,720 --> 00:30:47,640
Speaker 2: Yeah, exactly, and I'm planning to do that. So yeah,

674
00:30:47,920 --> 00:30:50,080
Speaker 2: aware of where I need to work on it. And

675
00:30:50,120 --> 00:30:53,680
Speaker 2: then in terms of other investments I have started, I

676
00:30:53,720 --> 00:30:56,080
Speaker 2: was very nervous, but I did start doubling in Chasis.

677
00:30:56,520 --> 00:30:58,200
Speaker 4: Who is she? I love this.

678
00:30:58,880 --> 00:31:00,880
Speaker 2: You'll be amazed at how much money I've put in there.

679
00:31:01,200 --> 00:31:03,000
Speaker 2: I put in five dollars a week.

680
00:31:03,080 --> 00:31:05,120
Speaker 4: Yeah, that's perfect, and why would I be amazed? Like

681
00:31:05,200 --> 00:31:10,280
Speaker 4: that's literally consistent what we want is consistent investments always.

682
00:31:10,360 --> 00:31:13,360
Speaker 2: Yeah, exactly. So I'm up to forty dollars in Chezy's

683
00:31:13,480 --> 00:31:15,880
Speaker 2: and I slay Queen. Yeah, lost about a dollar fifty

684
00:31:15,920 --> 00:31:18,560
Speaker 2: of that, So we're doing well. But that's fine.

685
00:31:18,720 --> 00:31:22,400
Speaker 4: Investing is good over the long term. Short term, sometimes

686
00:31:22,400 --> 00:31:24,400
Speaker 4: it can feel like you're being kicked in the teeth. Yeah,

687
00:31:24,440 --> 00:31:26,360
Speaker 4: Sometimes you look at it and you're like, what the hell,

688
00:31:26,480 --> 00:31:28,720
Speaker 4: that's so rude. But we're in it for the long

689
00:31:28,800 --> 00:31:29,840
Speaker 4: term and we're in it together.

690
00:31:29,960 --> 00:31:33,400
Speaker 2: Yeah exactly. So, Yeah, that's kind of what I've got

691
00:31:33,400 --> 00:31:35,320
Speaker 2: going at the moment for investments and hoping to just

692
00:31:35,400 --> 00:31:36,040
Speaker 2: continue that.

693
00:31:36,040 --> 00:31:38,840
Speaker 4: On How have you picked your investments on chairs eas

694
00:31:38,880 --> 00:31:40,480
Speaker 4: Because I mean, we talk about it all the time,

695
00:31:40,520 --> 00:31:43,280
Speaker 4: but Chezya's is the platform on which you're investing. Once

696
00:31:43,320 --> 00:31:47,560
Speaker 4: you're there, sometimes people get analysis paralysis and go, oh

697
00:31:47,640 --> 00:31:49,480
Speaker 4: my gosh, be I didn't know what to do, so

698
00:31:49,520 --> 00:31:51,880
Speaker 4: I didn't do anything. How did you pick your first

699
00:31:51,880 --> 00:31:53,200
Speaker 4: investments on that platform?

700
00:31:53,280 --> 00:31:56,520
Speaker 2: Yeah, so I definitely did get analysis paralysis. I downloaded

701
00:31:56,520 --> 00:31:58,240
Speaker 2: it like six months ago and then I was like, panic,

702
00:31:58,560 --> 00:31:59,160
Speaker 2: let's put this.

703
00:31:59,120 --> 00:32:01,560
Speaker 4: To the side. It's so common.

704
00:32:01,960 --> 00:32:04,160
Speaker 2: Yeah, and then I started kind of looking into it

705
00:32:04,200 --> 00:32:08,320
Speaker 2: again a couple of months ago, and I just decided

706
00:32:08,320 --> 00:32:12,160
Speaker 2: that single I guess companies weren't really I didn't want

707
00:32:12,160 --> 00:32:15,080
Speaker 2: to have to watch it really, so I chose ETFs.

708
00:32:15,560 --> 00:32:17,560
Speaker 2: So I think I have a vanguard and I want

709
00:32:17,560 --> 00:32:18,720
Speaker 2: to say better shares. I don't know if that's how

710
00:32:18,760 --> 00:32:19,520
Speaker 2: you pronounce.

711
00:32:19,160 --> 00:32:22,040
Speaker 4: It, but it's better shares whatever you want to call it. Yeah,

712
00:32:22,080 --> 00:32:24,320
Speaker 4: I mean, I do know the CEO of Beta Shares

713
00:32:24,360 --> 00:32:27,560
Speaker 4: and he's fantastic, but I haven't actually ever clarified if

714
00:32:27,560 --> 00:32:29,560
Speaker 4: it's better Shares or Beta shares, So I hope that

715
00:32:29,640 --> 00:32:31,680
Speaker 4: I haven't been talking to him directly. You've seen the

716
00:32:31,720 --> 00:32:34,440
Speaker 4: wrong one, and that's just something to give me anxiety

717
00:32:34,520 --> 00:32:35,960
Speaker 4: later at three am, carry on.

718
00:32:37,280 --> 00:32:40,080
Speaker 2: Yeah, So I have a couple of ETFs and I

719
00:32:40,120 --> 00:32:42,479
Speaker 2: haven't really gone too much like further than that. I

720
00:32:42,560 --> 00:32:45,200
Speaker 2: just put in five bucks each week and.

721
00:32:45,040 --> 00:32:46,960
Speaker 4: See what happens, how good.

722
00:32:47,080 --> 00:32:48,840
Speaker 2: The plan is to just kind of keep it going,

723
00:32:48,880 --> 00:32:53,840
Speaker 2: and then eventually next year I'm hoping to essentially get

724
00:32:53,840 --> 00:32:56,680
Speaker 2: like a financial advisor and see what I should be

725
00:32:56,680 --> 00:32:58,920
Speaker 2: doing with the actual income I'm getting and how to

726
00:32:58,920 --> 00:32:59,360
Speaker 2: split that.

727
00:32:59,560 --> 00:33:02,120
Speaker 4: And now I know you've got analysis paralysis at the start,

728
00:33:02,160 --> 00:33:04,040
Speaker 4: and it took a little while to pick what worked

729
00:33:04,080 --> 00:33:06,200
Speaker 4: for you. But now you're there, are you like, oh,

730
00:33:06,320 --> 00:33:09,080
Speaker 4: this is good or this is overwhelming or what does

731
00:33:09,120 --> 00:33:11,080
Speaker 4: that look like? Now you're invested? Because I feel like

732
00:33:11,120 --> 00:33:13,200
Speaker 4: so many of us are actually still stuck in that

733
00:33:13,320 --> 00:33:16,920
Speaker 4: analysis paralysis area of like do I pick individual shares?

734
00:33:17,000 --> 00:33:19,600
Speaker 4: Do I pick an ETF? Oh my gosh, I've decided ETF?

735
00:33:19,800 --> 00:33:21,600
Speaker 4: What EDF do I pick?

736
00:33:21,920 --> 00:33:22,080
Speaker 2: Like?

737
00:33:22,920 --> 00:33:23,760
Speaker 4: Are you okay? Now?

738
00:33:24,000 --> 00:33:27,000
Speaker 2: I would say I'm like halfway there. I'm definitely still

739
00:33:27,040 --> 00:33:30,240
Speaker 2: like confused at some points. So I'm still trying to

740
00:33:30,240 --> 00:33:33,440
Speaker 2: like look into the ETFs and what they I'm definitely

741
00:33:33,440 --> 00:33:36,360
Speaker 2: looking at what companies they actually are invested in love.

742
00:33:36,520 --> 00:33:39,360
Speaker 2: I am trying to kind of like see what their

743
00:33:39,400 --> 00:33:41,560
Speaker 2: pattern is over time and having a look at that.

744
00:33:42,120 --> 00:33:44,720
Speaker 2: But other than that, I haven't really delved too much

745
00:33:44,760 --> 00:33:47,000
Speaker 2: further into it. I'm aware that I can and I could.

746
00:33:47,280 --> 00:33:49,240
Speaker 4: She's a work in progress. I like that.

747
00:33:49,480 --> 00:33:51,480
Speaker 2: Yeah, work in progress is my is my thing.

748
00:33:51,560 --> 00:33:54,000
Speaker 4: It was your theme when you wrote into Us as well.

749
00:33:54,040 --> 00:33:57,120
Speaker 4: You said financial status work in progress. So I do

750
00:33:57,200 --> 00:33:57,520
Speaker 4: love that.

751
00:33:57,760 --> 00:33:59,040
Speaker 2: Yeah, and I think it will be forever.

752
00:33:59,280 --> 00:34:02,720
Speaker 4: But you know, so talk to me about debt. Do

753
00:34:02,800 --> 00:34:06,320
Speaker 4: you have any debts owing to any human being or

754
00:34:06,480 --> 00:34:07,520
Speaker 4: financial institution.

755
00:34:07,760 --> 00:34:11,400
Speaker 2: Yes, so I've got a couple. So obviously, I, like

756
00:34:11,480 --> 00:34:13,320
Speaker 2: I said before, I've got the debt that I'll be

757
00:34:13,360 --> 00:34:14,680
Speaker 2: paying back to my parents.

758
00:34:14,840 --> 00:34:16,799
Speaker 4: That's why I said human beings. I was, I know

759
00:34:16,920 --> 00:34:17,480
Speaker 4: it's coming.

760
00:34:17,800 --> 00:34:20,320
Speaker 2: Yeah, so I'm very lucky that it's interest free.

761
00:34:20,719 --> 00:34:23,640
Speaker 4: But the sexiest kind of debt, let's be honest, I mean,

762
00:34:23,840 --> 00:34:26,120
Speaker 4: let's take away the fact that the un sexiest kind

763
00:34:26,160 --> 00:34:28,200
Speaker 4: of debt is money that you owe to family or friends.

764
00:34:28,440 --> 00:34:30,600
Speaker 4: My interest free very sexy.

765
00:34:30,760 --> 00:34:35,520
Speaker 2: Yes, yeah, so I have a round about I would

766
00:34:35,520 --> 00:34:37,719
Speaker 2: say seven and a half grand. That's just from your

767
00:34:37,719 --> 00:34:41,080
Speaker 2: fertility preservation treatments. And actually it might be a little

768
00:34:41,120 --> 00:34:42,719
Speaker 2: bit higher because I think there's a car service on

769
00:34:42,760 --> 00:34:43,200
Speaker 2: top of that.

770
00:34:43,880 --> 00:34:46,240
Speaker 4: Oh my gosh, of course, one thing after another.

771
00:34:46,400 --> 00:34:49,760
Speaker 2: Yeah, But aside from that, I also have the lovely

772
00:34:49,840 --> 00:34:54,040
Speaker 2: help debt loan. So at the moment, my higher education

773
00:34:54,120 --> 00:34:57,920
Speaker 2: loan is sitting at eighty eight thousand dollars. And I

774
00:34:58,000 --> 00:35:01,000
Speaker 2: also then have a student stuff loan, which is alone

775
00:35:01,000 --> 00:35:04,319
Speaker 2: you can get via center link as a student. It's

776
00:35:04,880 --> 00:35:06,960
Speaker 2: a semesterly payment or yeah.

777
00:35:06,800 --> 00:35:09,000
Speaker 4: Yeah, loan every month and how much is that?

778
00:35:09,160 --> 00:35:12,600
Speaker 2: Yeah, and my total for that is eleven thousand, two

779
00:35:12,640 --> 00:35:17,520
Speaker 2: hundred dollars. So in total, yeah, I'm looking at about

780
00:35:17,719 --> 00:35:19,480
Speaker 2: one hundred thousand dollars in debt.

781
00:35:19,800 --> 00:35:22,680
Speaker 4: But we do need to stipulate the difference between good

782
00:35:22,680 --> 00:35:25,040
Speaker 4: and bad debt. I think that you know the idea

783
00:35:25,160 --> 00:35:27,759
Speaker 4: that if we put on paper this money direst is

784
00:35:27,800 --> 00:35:31,319
Speaker 4: one hundred thousand dollars in debt. That's really overwhelming, But

785
00:35:31,360 --> 00:35:34,640
Speaker 4: it's actually you putting future you first, like that help

786
00:35:34,640 --> 00:35:37,520
Speaker 4: and HEXT debt. Mine used to be six figures and

787
00:35:37,560 --> 00:35:41,080
Speaker 4: it was terrifying at the time, but that's what's helped

788
00:35:41,080 --> 00:35:43,440
Speaker 4: to get me where I'm going. And it's obvious that

789
00:35:43,480 --> 00:35:45,759
Speaker 4: you've been really purposeful. You're like, I really want to

790
00:35:45,800 --> 00:35:49,839
Speaker 4: be a doctor. I'm really committed to this career over time. Yes,

791
00:35:49,960 --> 00:35:53,279
Speaker 4: it will impact your cash flow, but nobody will not.

792
00:35:53,400 --> 00:35:57,640
Speaker 4: Many people have the ability to pay their education upfront,

793
00:35:58,160 --> 00:36:01,439
Speaker 4: Like to me, that is wild, So having that makes

794
00:36:01,440 --> 00:36:03,480
Speaker 4: a lot of sense. The students start up loan I

795
00:36:03,520 --> 00:36:05,839
Speaker 4: think makes a lot of sense as well, because it's

796
00:36:05,880 --> 00:36:08,320
Speaker 4: you know, lumped in with help and HEX and really

797
00:36:08,360 --> 00:36:11,720
Speaker 4: does help you get ahead. Like I'm assuming here that

798
00:36:11,719 --> 00:36:14,080
Speaker 4: that student loan has meant that you haven't had to

799
00:36:14,120 --> 00:36:17,240
Speaker 4: further rely on your parents. Yeah exactly, So that's again

800
00:36:17,400 --> 00:36:20,360
Speaker 4: really sexy and putting your education first and then the

801
00:36:20,400 --> 00:36:22,920
Speaker 4: seven and a half grand plus the car service you oh,

802
00:36:23,000 --> 00:36:27,520
Speaker 4: your parents, Like, that's you know you again putting future

803
00:36:27,560 --> 00:36:31,399
Speaker 4: you first. So while it can seem overwhelming, I love

804
00:36:31,480 --> 00:36:33,799
Speaker 4: that it's not like personal debt. It's not you know,

805
00:36:34,000 --> 00:36:36,280
Speaker 4: racking up a whole heap of debt on credit cards

806
00:36:36,360 --> 00:36:39,040
Speaker 4: or personal loans, Whereas when I was in forty thousand

807
00:36:39,080 --> 00:36:41,640
Speaker 4: dollars worth of debt, they weren't good debt, babe, Like

808
00:36:41,760 --> 00:36:44,839
Speaker 4: it was me racking up terrible debt. So I think

809
00:36:44,880 --> 00:36:47,960
Speaker 4: that there's a difference there, and this is putting future

810
00:36:48,040 --> 00:36:52,000
Speaker 4: you first. So overwhelming, yes, but not unobtainable.

811
00:36:52,120 --> 00:36:54,839
Speaker 2: Yeah. Absolutely, it's kind of like daunting, but it's also

812
00:36:54,920 --> 00:36:56,759
Speaker 2: not by daunting. It's fine, I'll pay off you.

813
00:36:56,800 --> 00:36:59,680
Speaker 4: Actually it's good. All right, Well, I want to know, like,

814
00:36:59,760 --> 00:37:02,480
Speaker 4: let's change the narrative. What's your best money habit? I

815
00:37:02,480 --> 00:37:04,239
Speaker 4: feel like over the last few years you would have

816
00:37:04,239 --> 00:37:06,400
Speaker 4: had to get a little bit savvy with the cash.

817
00:37:06,440 --> 00:37:08,799
Speaker 4: So what's the best money habit? You could share with

818
00:37:08,840 --> 00:37:09,640
Speaker 4: our community.

819
00:37:09,840 --> 00:37:10,479
Speaker 2: Can I have two?

820
00:37:10,680 --> 00:37:12,279
Speaker 4: I think you can have as many as you want,

821
00:37:12,280 --> 00:37:15,200
Speaker 4: honestly great. I always ask for one because I just

822
00:37:15,200 --> 00:37:17,200
Speaker 4: set the bar real low, and then if you give

823
00:37:17,239 --> 00:37:18,520
Speaker 4: me two, I'm like, we've doubled it.

824
00:37:18,640 --> 00:37:21,319
Speaker 2: Yeah great, I think like my first one, And to

825
00:37:21,360 --> 00:37:23,719
Speaker 2: be honest, is probably not my hack. It's more mum's hack.

826
00:37:23,800 --> 00:37:26,080
Speaker 2: But I've definitely had it instilled from a young age.

827
00:37:26,080 --> 00:37:27,439
Speaker 2: If you don't have the money for something, you don't

828
00:37:27,440 --> 00:37:29,799
Speaker 2: buy it. So I've never had it after pay, I've

829
00:37:29,800 --> 00:37:32,000
Speaker 2: never had a credit card. I've never kind of gone

830
00:37:32,040 --> 00:37:34,200
Speaker 2: down that road. If I can't afford it, I can't

831
00:37:34,200 --> 00:37:36,840
Speaker 2: afford it, And so I think that's been a really

832
00:37:36,880 --> 00:37:40,400
Speaker 2: good I guess lesson for me to have learned early,

833
00:37:40,480 --> 00:37:43,120
Speaker 2: because I definitely have the personality type where I get

834
00:37:43,800 --> 00:37:45,200
Speaker 2: attached to things. I want to buy all the things

835
00:37:45,239 --> 00:37:46,360
Speaker 2: I need for it, and then I'll do it, and

836
00:37:46,400 --> 00:37:49,600
Speaker 2: then I'll get bored and then try something else. So yeah,

837
00:37:49,640 --> 00:37:52,720
Speaker 2: I can definitely get tap happy. But anyway, that's probably

838
00:37:52,719 --> 00:37:54,719
Speaker 2: my first I guess hack is that I don't have

839
00:37:54,760 --> 00:37:55,920
Speaker 2: any of those would.

840
00:37:55,800 --> 00:37:58,719
Speaker 4: That is a very good thing to have been instilled

841
00:37:58,719 --> 00:38:01,160
Speaker 4: from a young age me about what your second good

842
00:38:01,160 --> 00:38:01,840
Speaker 4: money habit is.

843
00:38:02,160 --> 00:38:04,799
Speaker 2: Yeah, so my second good money habit. I have become

844
00:38:04,840 --> 00:38:08,200
Speaker 2: a very savvy shopper. So there's a local fruit bed

845
00:38:08,239 --> 00:38:11,360
Speaker 2: shop and they do like a chuck out box of

846
00:38:11,440 --> 00:38:14,120
Speaker 2: all the things that are what they call going off,

847
00:38:14,160 --> 00:38:16,040
Speaker 2: but I think will last two weeks in the fridge

848
00:38:16,040 --> 00:38:16,880
Speaker 2: if I make it work.

849
00:38:17,160 --> 00:38:19,359
Speaker 4: Oh yeah. And I feel like so many people are

850
00:38:19,360 --> 00:38:21,239
Speaker 4: like they see one brown bit on a banana and

851
00:38:21,280 --> 00:38:24,080
Speaker 4: they go, that's awful. You're like, no, it's not. It's

852
00:38:24,080 --> 00:38:26,120
Speaker 4: a brown bit on a banana. It means it's ready

853
00:38:26,120 --> 00:38:26,480
Speaker 4: to eat.

854
00:38:26,600 --> 00:38:30,000
Speaker 2: Yeah, exactly. So honestly, they get me through left the week.

855
00:38:30,239 --> 00:38:32,280
Speaker 2: They usually have a good selection and then nine.

856
00:38:32,120 --> 00:38:36,520
Speaker 4: Dollars nine dollars for a big box of fruit and veggies.

857
00:38:36,480 --> 00:38:38,200
Speaker 2: Massive box, like it will get me through a whole

858
00:38:38,239 --> 00:38:41,920
Speaker 2: week easily. And I basically go there first. What Yeah,

859
00:38:41,920 --> 00:38:42,960
Speaker 2: it's crazy.

860
00:38:43,200 --> 00:38:44,720
Speaker 4: I know where you live, but I'm coming.

861
00:38:45,560 --> 00:38:47,959
Speaker 2: Yeah, a shop at your local fresh fruit birge place.

862
00:38:48,000 --> 00:38:50,080
Speaker 4: Honestly, Oh, I think that's gen Yeah, and it's like a.

863
00:38:50,040 --> 00:38:51,560
Speaker 2: Cute day out Like I do it on a Sunday

864
00:38:51,640 --> 00:38:54,799
Speaker 2: or a Saturday, usually a weekend anyway, and I'll go

865
00:38:54,840 --> 00:38:56,640
Speaker 2: get a coffee. I'll go to the fruit and bed

866
00:38:56,760 --> 00:38:58,439
Speaker 2: shops see what they've got. If they've got a box,

867
00:38:58,480 --> 00:39:00,520
Speaker 2: I get it. If not, I just like a couple

868
00:39:00,560 --> 00:39:02,719
Speaker 2: of bits, and I usually make like a rosotto with

869
00:39:02,760 --> 00:39:04,480
Speaker 2: all the vege and just chuck bits in.

870
00:39:04,800 --> 00:39:07,359
Speaker 4: You're so smart. I love this, And you know what's

871
00:39:07,400 --> 00:39:10,480
Speaker 4: hilarious in this economy, your coffee probably cost more than

872
00:39:10,480 --> 00:39:11,840
Speaker 4: your fruit and veg box.

873
00:39:11,640 --> 00:39:14,879
Speaker 2: Literally honestly. And then I go to like I GA.

874
00:39:15,080 --> 00:39:18,640
Speaker 2: I gas are underrated for meat, honestly, they always have

875
00:39:18,680 --> 00:39:20,680
Speaker 2: really good deals. So I'll go from the fruit and

876
00:39:20,719 --> 00:39:22,759
Speaker 2: bed shop to I GA, see what deals they've got

877
00:39:22,760 --> 00:39:24,600
Speaker 2: on that week. And then I'll go to like Woolies

878
00:39:24,680 --> 00:39:26,399
Speaker 2: or calls for anything else I need. And I keep

879
00:39:26,480 --> 00:39:29,560
Speaker 2: a really good stocked pantry, so I keep like all

880
00:39:29,560 --> 00:39:33,080
Speaker 2: of the you know, a pasta ormin tomatoes. If you

881
00:39:33,080 --> 00:39:34,880
Speaker 2: do anything with the tin of tomatoes.

882
00:39:34,760 --> 00:39:37,799
Speaker 4: Oh you actually can, You're a genius. I feel like

883
00:39:37,840 --> 00:39:40,360
Speaker 4: I need more of your budgeting tips for fruit and

884
00:39:40,440 --> 00:39:44,440
Speaker 4: vege and like making creative rosottos, because sometimes I stare

885
00:39:44,560 --> 00:39:47,440
Speaker 4: at my sometimes well stocked pantry and I'm like, I've

886
00:39:47,480 --> 00:39:51,200
Speaker 4: got nothing. Yeah, nothing, Yeah, I say, when I really

887
00:39:51,239 --> 00:39:52,239
Speaker 4: do when I really do.

888
00:39:53,920 --> 00:39:57,000
Speaker 2: Yeah, so that's probably one, Like I guess hack that

889
00:39:57,040 --> 00:39:58,600
Speaker 2: I'm pretty good at. Yeah.

890
00:39:58,680 --> 00:40:01,080
Speaker 4: I love that you rate did yourself a C plus

891
00:40:01,080 --> 00:40:02,880
Speaker 4: at the start of this episode. So I need to

892
00:40:02,920 --> 00:40:05,440
Speaker 4: know what's your worst money habit because I feel like

893
00:40:05,480 --> 00:40:07,239
Speaker 4: you've been pretty good thus far. So there has to

894
00:40:07,320 --> 00:40:09,200
Speaker 4: be a really, really, really bad money habit to be

895
00:40:09,239 --> 00:40:11,319
Speaker 4: bringing down the ratings, so we need to know what

896
00:40:11,360 --> 00:40:11,640
Speaker 4: it is.

897
00:40:11,800 --> 00:40:14,200
Speaker 2: Yeah, I would say I'm very tap happy, like I

898
00:40:14,280 --> 00:40:16,680
Speaker 2: just won't even think about the purchase, even if it's

899
00:40:16,719 --> 00:40:18,719
Speaker 2: like buying three coffees a day and not realizing I've

900
00:40:18,719 --> 00:40:19,359
Speaker 2: done it, and.

901
00:40:19,320 --> 00:40:22,200
Speaker 4: Like, and I mean, let's be honest. You're a med student.

902
00:40:22,280 --> 00:40:24,279
Speaker 4: You deserve that caffeine bab you deserve it.

903
00:40:24,360 --> 00:40:27,080
Speaker 2: And in the hospital, actually this is not I'm diverting

904
00:40:27,120 --> 00:40:29,000
Speaker 2: back to the art tips. If you're a med student,

905
00:40:29,080 --> 00:40:31,560
Speaker 2: it's kind of like a hospital hierarchy. The most senior

906
00:40:31,560 --> 00:40:33,239
Speaker 2: person on the team will buy coffees for the team.

907
00:40:33,440 --> 00:40:35,840
Speaker 2: Oh nice, yea, it's like a real thing. So like

908
00:40:35,920 --> 00:40:37,480
Speaker 2: the further you go in your career you get more

909
00:40:37,480 --> 00:40:39,560
Speaker 2: money that it's mostly to pay for coffees of other people.

910
00:40:39,680 --> 00:40:41,240
Speaker 4: So yeah, okay, that's fair.

911
00:40:41,800 --> 00:40:43,799
Speaker 2: Yeah, so that's I guess a hack is a med

912
00:40:43,840 --> 00:40:46,200
Speaker 2: student is stay till the end of ward rounds. But

913
00:40:46,239 --> 00:40:48,200
Speaker 2: anyway for the free coffee if anything.

914
00:40:48,400 --> 00:40:50,040
Speaker 4: Yeah, and you need it at the end of a

915
00:40:50,040 --> 00:40:52,880
Speaker 4: ward round, like that's when you need six coffees. So

916
00:40:52,920 --> 00:40:55,920
Speaker 4: you're a little bit tap happy. And we're not tracking

917
00:40:55,920 --> 00:40:58,120
Speaker 4: our budget and expenses in the way that we should be.

918
00:40:58,200 --> 00:40:59,000
Speaker 4: Is that what I'm hearing.

919
00:40:59,120 --> 00:41:02,040
Speaker 2: I'm terrible budgeting. Yeah, I'm really trying. So I would

920
00:41:02,040 --> 00:41:04,560
Speaker 2: say in the last year, I noticed I was really bad,

921
00:41:05,040 --> 00:41:09,480
Speaker 2: and I started to, like, I changed my bank from

922
00:41:09,640 --> 00:41:14,239
Speaker 2: you know, combank, the older the old Dolomites, decided to

923
00:41:14,280 --> 00:41:15,080
Speaker 2: try something else.

924
00:41:15,000 --> 00:41:16,480
Speaker 4: Out finally branched out.

925
00:41:16,560 --> 00:41:19,080
Speaker 2: Yeah. Yeah, and I'm using up at the moment. And

926
00:41:19,520 --> 00:41:22,399
Speaker 2: I did create like all the different savers and I've

927
00:41:22,440 --> 00:41:24,480
Speaker 2: been doing that now, which has actually been working. I'm

928
00:41:24,480 --> 00:41:27,400
Speaker 2: definitely saving more money and following I guess like the

929
00:41:27,440 --> 00:41:29,719
Speaker 2: cash flow system that you kind of speak.

930
00:41:29,480 --> 00:41:32,960
Speaker 4: About often, Oh are you that's exciting? Listened to like

931
00:41:33,000 --> 00:41:36,319
Speaker 4: the podcasts and stuff about budgeting. I love this for you.

932
00:41:36,440 --> 00:41:39,279
Speaker 2: I genuinely listened to that podcast, the one podcast about

933
00:41:39,320 --> 00:41:41,839
Speaker 2: cash flow and budgeting, probably like five times. I'm like, wait,

934
00:41:41,920 --> 00:41:43,520
Speaker 2: am I doing this right? Will we try again?

935
00:41:44,280 --> 00:41:46,000
Speaker 4: Okay, I can make it a lot easier if you.

936
00:41:46,120 --> 00:41:49,440
Speaker 4: I'm actually gonna gift you my money masterclass so that

937
00:41:49,560 --> 00:41:52,400
Speaker 4: you can go and do the videos and have the

938
00:41:52,480 --> 00:41:54,920
Speaker 4: spreadsheet and all of the stuff. No one should have

939
00:41:54,960 --> 00:41:57,800
Speaker 4: to listen to my cash flow episode that many times.

940
00:41:58,080 --> 00:42:00,400
Speaker 4: It's like, I thank you for doing the money Diary,

941
00:42:00,480 --> 00:42:02,920
Speaker 4: but also an apology that you had to listen to

942
00:42:02,960 --> 00:42:05,120
Speaker 4: it that many times. So I'll set you up with

943
00:42:05,160 --> 00:42:07,680
Speaker 4: that after so that you can start that. But I

944
00:42:07,680 --> 00:42:09,759
Speaker 4: think that that will really help, especially if you've been

945
00:42:09,800 --> 00:42:11,600
Speaker 4: already trying to follow my model.

946
00:42:11,760 --> 00:42:12,880
Speaker 2: Yeah, I'm trying.

947
00:42:13,560 --> 00:42:16,560
Speaker 4: I love that for you, money diarist. I mentioned just

948
00:42:16,640 --> 00:42:19,400
Speaker 4: before that you at the start of the episode rated

949
00:42:19,440 --> 00:42:21,879
Speaker 4: yourself a C plus. But you've gone on to tell

950
00:42:21,880 --> 00:42:24,080
Speaker 4: me how resourceful you are. You've gone on to tell

951
00:42:24,120 --> 00:42:27,560
Speaker 4: me that you're a med student, you're working while doing

952
00:42:27,600 --> 00:42:31,480
Speaker 4: your final year of med. That to me is insane.

953
00:42:31,680 --> 00:42:34,200
Speaker 4: I don't know many people who can do that or

954
00:42:34,239 --> 00:42:37,319
Speaker 4: even would be willing to try. But you still rated

955
00:42:37,360 --> 00:42:39,319
Speaker 4: yourself a C plus because you were a quote a

956
00:42:39,320 --> 00:42:42,400
Speaker 4: little bit tap happy, like, let's be honest, budget and

957
00:42:42,440 --> 00:42:44,520
Speaker 4: cash flow when you don't have the biggest income and

958
00:42:44,560 --> 00:42:48,040
Speaker 4: you're still relatively reliant on Sentilink and part time work. Like,

959
00:42:48,520 --> 00:42:50,480
Speaker 4: I don't think you're a C plus. I think you're

960
00:42:50,520 --> 00:42:52,160
Speaker 4: a bit better than that. I'm not going to argue

961
00:42:52,160 --> 00:42:54,359
Speaker 4: with you over it, but I do think you're better

962
00:42:54,400 --> 00:42:56,319
Speaker 4: than that. But right now it might feel like you're

963
00:42:56,320 --> 00:42:59,440
Speaker 4: a C plus because finances are tough when you're in

964
00:42:59,480 --> 00:43:04,080
Speaker 4: that circums. So hopefully after having a conversation you're feeling

965
00:43:04,080 --> 00:43:06,960
Speaker 4: a little bit more positive about what you've been working towards.

966
00:43:07,040 --> 00:43:08,960
Speaker 2: Yeah, I could probably move to a BE minus, but

967
00:43:08,960 --> 00:43:09,799
Speaker 2: that's as far as i'll go.

968
00:43:10,320 --> 00:43:11,719
Speaker 4: That's as far as we go. All right, Well, you

969
00:43:11,719 --> 00:43:13,160
Speaker 4: know what, I'll take it, and I'll check back in

970
00:43:13,200 --> 00:43:16,080
Speaker 4: with you when you're a proper baby doctor money arrist

971
00:43:16,160 --> 00:43:18,800
Speaker 4: I have adored this. Thank you for coming on the show, Nigel.

972
00:43:18,920 --> 00:43:22,200
Speaker 4: It's been really really appreciated. But also you've been so

973
00:43:22,280 --> 00:43:24,239
Speaker 4: bubbly and so fun to talk to, which is why

974
00:43:24,280 --> 00:43:27,160
Speaker 4: this recording took so long. So I apologize to anyone listening,

975
00:43:27,200 --> 00:43:29,480
Speaker 4: but also you're welcome for the extra content.

976
00:43:29,600 --> 00:43:31,040
Speaker 2: Yeah, I'm sorry, I took a lot.

977
00:43:31,640 --> 00:43:34,520
Speaker 4: No, I adored it. I've had the best time. Thank

978
00:43:34,560 --> 00:43:36,960
Speaker 4: you for sharing your story with the community. I know

979
00:43:37,000 --> 00:43:38,560
Speaker 4: they're going to love you as much as I have.

980
00:43:38,800 --> 00:43:40,960
Speaker 2: No thanks so much for having me. I really appreciate it,

981
00:43:41,000 --> 00:43:43,520
Speaker 2: and hopefully I guess if people are in some more situations,

982
00:43:43,520 --> 00:43:48,120
Speaker 2: they know they're at least, at the very least got alone.

983
00:43:52,120 --> 00:43:54,760
Speaker 4: Did I shared on She's on the Money is generally

984
00:43:54,880 --> 00:43:58,680
Speaker 4: nature and does not consider your individual circumstances. She's on

985
00:43:58,719 --> 00:44:02,239
Speaker 4: the Money exists only for educational purposes and should not

986
00:44:02,280 --> 00:44:05,280
Speaker 4: be relied upon to make an investment or financial decision.

987
00:44:05,680 --> 00:44:08,120
Speaker 4: If you do choose to buy a financial product, read

988
00:44:08,160 --> 00:44:12,240
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

989
00:44:12,320 --> 00:44:15,600
Speaker 4: your needs. Victoria Divine and She's on the Money are

990
00:44:15,680 --> 00:44:20,399
Speaker 4: authorized representatives of Money Sherper Pty Ltd a BN three

991
00:44:20,480 --> 00:44:23,719
Speaker 4: two one six four nine two seven seven zero eight

992
00:44:24,000 --> 00:44:27,640
Speaker 4: AFSL four five one two eight nine