Speaker 1: Hello, my name is Santasha Nabananga Bamblet. I'm a proud
Speaker 1: Order Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 4: Hello, and welcome to She's on the Moneys some millennials
Speaker 4: who want financial freedom. Welcome back to another one of
Speaker 4: my favorite episodes. Welcome back to another one of my
Speaker 4: favorite episodes, Money Diaries, where I get the absolute privilege
Speaker 4: of talking to one of our incredible She's on the
Speaker 4: Money community members all about their money story. Let's jump
Speaker 4: straight into it, because this week I got an email
Speaker 4: and it sounded exactly like this. Hi, Victoria. I had
Speaker 4: a middle class upbringing and started and then quit UNI.
Speaker 4: I then moved to London and worked as a butler,
Speaker 4: having some amazing experiences. When I moved home, I headed
Speaker 4: back to UNI. Within six months of graduation, I was
Speaker 4: earning one hundred thousand dollars, but two years later I
Speaker 4: was on Scentlink with zero dollars in savings. I'm now
Speaker 4: in my final year as a med student at age thirty,
Speaker 4: and I'm in the middle of my fertility preservation treatment
Speaker 4: financial status work in progress, Money Diarist, I feel like
Speaker 4: this is going to be so fun.
Speaker 2: Yeah, there's a lot to talk about.
Speaker 4: Hey, oh my gosh, I feel like it's like a
Speaker 4: roller coaster, but like not a stressful too stressful one.
Speaker 4: I'm just like, Butler, what like one hundred thousand dollars?
Speaker 4: What cent a link? What where is all this coming from?
Speaker 4: And now she's going to be a doctor? Be for real? Like,
Speaker 4: I've just got questions. But as always, let's start with
Speaker 4: the very first one, Money Diarist, If I asked you
Speaker 4: to rate your money habits from an eight through to
Speaker 4: an air for, what would they be?
Speaker 2: I would say, I'm probably about a.
Speaker 4: C minus a C minus. All right, I'm interested to
Speaker 4: hear more, but like, before we get there, can you
Speaker 4: please give me a little bit more info on your
Speaker 4: money story, like take us back.
Speaker 2: Yeah, sure. So, yeah, I grew up, I guess, I
Speaker 2: suppose in a very privileged position, I should say. To
Speaker 2: start with, my parents had pretty I guess, run of
Speaker 2: the meal jobs, hairdresser, nurse, and they worked very hard
Speaker 2: to kind of I guess, climb the ladder in the
Speaker 2: ways that they have and yeah, always give us as
Speaker 2: kids what we needed to kind of improve. So had
Speaker 2: a good kind of foundation. I guess. When I first
Speaker 2: left school, I went into a business degree and I
Speaker 2: hated it, like just it was boring.
Speaker 4: It's not for everybody, I'm telling you that now, not
Speaker 4: at all.
Speaker 2: And so I left there and I was just working
Speaker 2: out like maccas and I claimed the ranks at maccs,
Speaker 2: you know.
Speaker 4: Which is underrated by the way. I feel like McDonald's
Speaker 4: knowing now their leadership training and the way that they
Speaker 4: train people from scratch, like some of the best employers
Speaker 4: long term even going into corporate or going into other things,
Speaker 4: they have got a background in working at macers and
Speaker 4: it serves them so well.
Speaker 2: So well, yeah, it like builds really great skill foundations.
Speaker 2: So yeah, I did that for a little while. I
Speaker 2: was actually at Maca's forelt about five years since I
Speaker 2: was like fifteen, and then I decided that I hated
Speaker 2: it and I moved overseas and I just did like
Speaker 2: a west holiday visa and I was working in like hospitality,
Speaker 2: just waitressing, and then they were like, actually, we need
Speaker 2: a night butler tonight to cover and I was like,
Speaker 2: and anyone do that? And I was like, well, I
Speaker 2: suppose I can give it a crack, like I'm probably
Speaker 2: not gonna be the best at it, but I can
Speaker 2: do it. So I did it.
Speaker 4: And did you have to change your name to Nigel?
Speaker 2: Obviously? Yeah? Obviously?
Speaker 4: Okay, yeah, yeah, right, so Nigel, what happened next?
Speaker 2: Just wait for it. I wore like a full three
Speaker 2: piece suit, like I was.
Speaker 4: No, you didn't, I did? Yeah, that would have been
Speaker 4: so fun.
Speaker 2: Yeah, it was like full on, like three piece suit.
Speaker 2: Had to use the British accent because no one could
Speaker 2: understand me. Genuinely, my worst experience, well actually I think
Speaker 2: it's the funniest personally, but like I had someone call
Speaker 2: me in the middle of the night asking for an
Speaker 2: extra duvet and I genuinely had to transfer them to
Speaker 2: the front of house manager because I did not know
Speaker 2: what a duvet was. It's a douna.
Speaker 4: By the way, do they even the word duvet? Feels bougie?
Speaker 2: I know, right, And I had no idea. I was like, sorry,
Speaker 2: you're gonna have to repeat that like for ten minutes.
Speaker 2: It was. Yeah, it was hard work.
Speaker 4: Oh my gosh. What was like the funniest thing that
Speaker 4: you were asked for as a butler? Because I just
Speaker 4: feel like people take advantage of butler's.
Speaker 2: Yeah, I was in like a five star hotel and
Speaker 2: it was I don't know about the funniest. Like we
Speaker 2: did a lot of packing and unpacking and you see
Speaker 2: a lot of stuff in people's suitcases. I'll tell you
Speaker 2: that much for free?
Speaker 4: Or did you unpack their suitcases? Yeah?
Speaker 2: Absolutely.
Speaker 4: I love that this is also anonymous, so come on,
Speaker 4: come on, skill.
Speaker 2: Yeah, I will say, like, the funniest thing I probably
Speaker 2: had to do was like rearrange people's I don't know
Speaker 2: if I'm allowed to say things that aren't PG.
Speaker 4: But anyway, Oh no, you can say this like we've
Speaker 4: just given it a disclaimer. What's coming up next? Not PG? Yeah?
Speaker 2: Great. We would have to like go in and like
Speaker 2: organize everything. So it was, you know that kind of
Speaker 2: like type a personality in order o cud Yeah, great
Speaker 2: kind of thing. Great, And we would literally go in
Speaker 2: and organize their sex toys for like from A to Z,
Speaker 2: like in order. We would make everything look pretty like
Speaker 2: it was yeah a lot.
Speaker 4: Oh my gosh. I would be mortified. Yeah, I know that.
Speaker 4: Even like my bedside table when I'm staying in a hotel,
Speaker 4: I'm always like triple checking it and being like what,
Speaker 4: like it's you know, I sleep with an eyemask and
Speaker 4: like sometimes I have nasal spray and I'm always like,
Speaker 4: I'm gonna just put that back in my handbag because
Speaker 4: I know housekeeping's coming, like, be for real. I'd be mortified.
Speaker 2: Yeah, and people definitely just didn't really clock of what
Speaker 2: exactly a butler did, so yeah, we knew everything. We
Speaker 2: saw it all.
Speaker 4: I kind of want that job, Like you're telling me
Speaker 4: I can go through people's luggage and it's not illegal.
Speaker 2: Yeah, absolutely you can.
Speaker 4: It's great you go through people's luggage, you organize stuff.
Speaker 4: I would be having such a fun time. I'd be like,
Speaker 4: all right, so top drawer, second draw Okay, actually we're
Speaker 4: gonna color coordinate your wardrobe. And it's like little capsule wardrobes,
Speaker 4: I don't have so much fun.
Speaker 2: Yeah, it was honestly so much fun and even better,
Speaker 2: they tip you at the end of it. So I mean.
Speaker 4: So so title of this podcast. I got paid to
Speaker 4: organize people's sex too exactly money winch you know what,
Speaker 4: I'd pay you a lot so that you never told
Speaker 4: any that yet here you were on the podcast. They
Speaker 4: didn't tip enough a baron apparently not.
Speaker 2: You're welcome.
Speaker 4: Sorry, sorry, Oh my gosh, So tell me more, tell
Speaker 4: me more about either this job or like what happened
Speaker 4: next my friend.
Speaker 2: Yeah, I was overseas for a couple of years, and
Speaker 2: I alwaysknew I wanted to come back to UNI. And
Speaker 2: when I was coming back, I was like, oh, I'll
Speaker 2: either do marketing journalism or I could just try and
Speaker 2: get into medicine. Like, we'll just see what happens. And
Speaker 2: so I applied for biomedical science or marketing journalism.
Speaker 4: They're very similar. So it just makes sense that you
Speaker 4: would apply for both of those at the same time
Speaker 4: and just, you know, throw your career, throw your career
Speaker 4: to the wind, like whatever happens happened. I might become
Speaker 4: a marketer, might become a doctor who knows.
Speaker 2: We'll just see what happens. And then evidently I got
Speaker 2: into buiomedical science, which was a shack. And then yeah,
Speaker 2: I did my undergrad and an honest year. So I
Speaker 2: did that. It was really good, had a great time.
Speaker 2: I was at a smaller university, so we had a
Speaker 2: really good cohort. And then I graduated at the end
Speaker 2: of twenty nineteen, and then COVID hit.
Speaker 4: And oh gosh, yeah we did back home with.
Speaker 2: My parents and we actually all got emails. Our cohort
Speaker 2: that graduated got emails from the Department of Health being like, hey,
Speaker 2: we need people with a BioMed background to come and
Speaker 2: help us with data because we have so much out
Speaker 2: all of a sudden. And so I got hired by
Speaker 2: the Department of Health, and I progressed really rapidly, So
Speaker 2: I think within like the first three months, I had
Speaker 2: like jumped three jobs just because they needed anyone to
Speaker 2: expand and expanded expand.
Speaker 4: Well, it kind of makes sense, especially during a period
Speaker 4: of time where we knew nothing about what was going on,
Speaker 4: and they would have hired you into a role and
Speaker 4: then be like, oh my gosh, she's actually competent at
Speaker 4: this light. Let's bumper up and bumper up because we
Speaker 4: can see talent and it would have been hard because
Speaker 4: they've never done this that we've never had this data before.
Speaker 2: Right, yeah, exactly so. But it was really great because
Speaker 2: they'd hired basically a whole group of people that already
Speaker 2: knew how to work together, that actually had a culture
Speaker 2: that existed, which was.
Speaker 4: A really smart business geniuses.
Speaker 5: Yeah.
Speaker 2: I don't know how they made it happen, but it
Speaker 2: worked anyway. So I yeah, jumped up the ranks a
Speaker 2: little bit quickly. Definitely unprecedented, which is the fun word
Speaker 2: of the.
Speaker 4: Time, right, yes, absolutely.
Speaker 2: And then yeah, so I then got offered to step
Speaker 2: up again. And at the time I was sitting in
Speaker 2: the exams for trying to get into medicine, I just thought,
Speaker 2: I'll just do it and see how I go and
Speaker 2: give it a crack or whatever. Like, if it happens,
Speaker 2: it happens. If it doesn't, it doesn't.
Speaker 4: I like how nonchalant you are about becoming a doctor,
Speaker 4: when BIA are definitely going to be people listening to
Speaker 4: this who have slaved their lives away to become a doctor.
Speaker 4: They have you know, what is it the msat or
Speaker 4: something they tested at the start that yeah, whatever it is,
Speaker 4: they're just like slaving away, trying their hardest to get there,
Speaker 4: and you're like, yellow, if I get in, If I
Speaker 4: get in, it'll be fine. And obviously you have gotten in,
Speaker 4: and they're probably looking at you being like Nigel, I
Speaker 4: cannot we hate, but you just don't care about being here.
Speaker 4: And I've worked my entire life to get here.
Speaker 2: Yeah. Absolutely, And look I'm very well aware of my position.
Speaker 2: I'm very privileged.
Speaker 4: Okay, you're not privileged. No, that's not privilege. That's intelligence,
Speaker 4: my friend, that's you being a smart cookie. That's your experience,
Speaker 4: as Nigel. Yeah, coming out.
Speaker 2: Nigel definitely helped. But yeah, so I did that, and
Speaker 2: I like, but I suppose this is where I say, yeah,
Speaker 2: I don't know. The reason I call it privilege is
Speaker 2: because I genuinely just scraped through, like I just got
Speaker 2: enough to leave my application in and I actually forgot
Speaker 2: that I had left my application in to medicine.
Speaker 4: Okay, but peace get degree.
Speaker 2: Yes, honestly. Yeah. So and then randomly I was checking
Speaker 2: my junk email and I had an interview in two days.
Speaker 5: So your mad interview was in your junk keymail, and
Speaker 5: you were like, ah, oh lucky, I got that two
Speaker 5: days before. Were you like, oh, actually, I can reschedule
Speaker 5: that coffee with a friend, I might go.
Speaker 2: Yeah exactly. It was Yeah, like I said, I'm definitely
Speaker 2: the Swiss cheese model. I fell through every crack somehow.
Speaker 4: I like that. Yeah, I like that. Swiss cheese is
Speaker 4: also delicious.
Speaker 2: I mean, it's not a bad thing to be Hey,
Speaker 2: what happened next? Yeah? So at the same time, so
Speaker 2: I was offered to increase my I guess responsibility and
Speaker 2: move off to the ranks. And I said, I can't
Speaker 2: do it full time, but I can take it on until,
Speaker 2: like I can take it on as an acting role.
Speaker 2: And they said yep. So I think my salary was
Speaker 2: I think it was like a one oh one, literally
Speaker 2: one hundred thousand.
Speaker 4: So I like just just got over Yeah.
Speaker 2: And I did that for about seven months, and then
Speaker 2: I dropped down to part time when I started med
Speaker 2: school the following year. Oh yeah, spoiler relate, I got
Speaker 2: into med.
Speaker 4: Really, who would have seen that coming?
Speaker 2: Yeah? And then I started the following year and I
Speaker 2: worked part time for that first year and then I
Speaker 2: just I couldn't do it. It was I just yeah,
Speaker 2: there was way too much. The expectation and the way
Speaker 2: that covid that whole role had grown over the time.
Speaker 2: It was if you were ever to the stars. Knew
Speaker 2: the changes, and I've been there from the start, but
Speaker 2: I just couldn't keep up with it anymore because it
Speaker 2: changed so dynamically, like every you know, twelve hours there
Speaker 2: was a new policy and whatnot.
Speaker 4: Yeah, and and like I know that we're laughing about
Speaker 4: you being the Swiss Cheese model and falling through the cracks,
Speaker 4: but like there is nothing Swiss cheese model about either
Speaker 4: doing that role or doing med Like it is grueling,
Speaker 4: it is hard. There's no way you would have been
Speaker 4: able to actually do that if you weren't intelligent and
Speaker 4: you weren't someone who had put that all into study
Speaker 4: and actually getting it done. So like, even though we're
Speaker 4: having a bit of a laugh about like a ha haha,
Speaker 4: I just scraped through, Like even scraping through is so
Speaker 4: flipping hard, Like so many people fail that, so many
Speaker 4: people do not get in and make the cut, and
Speaker 4: it's their life dream. So I don't want anyone to
Speaker 4: think that, oh, the's laughing at the fact that she
Speaker 4: scraped through. But it's hard. No, no, no, I get it.
Speaker 4: It's I've had a few friends go through that and
Speaker 4: it's a nightmare process. I just love your attitude towards it,
Speaker 4: though you're just like yollow, I'm a doctor.
Speaker 2: I think it's just like one of those things you
Speaker 2: have to roll with. But yeah, absolutely recognize. It's devastating,
Speaker 2: particularly when there's so many people who want and just
Speaker 2: born to be a doctor and they can't get there
Speaker 2: because of a stupid exam that doesn't mean anything like
Speaker 2: that's the issue. It's like it's not a good respect
Speaker 2: of how good of a doctor that person will be,
Speaker 2: and I think they're moving away from that as a whole.
Speaker 4: That is, I guess a summary of the entire world. Right.
Speaker 4: I feel like so many people are born to be
Speaker 4: things and due to their circumstances or abilities, aren't able
Speaker 4: to do it when they'd be the best ones for
Speaker 4: the role. Right, Yeah, like insane. Anyway, I want to
Speaker 4: know more about you, not about the economy. So tell
Speaker 4: me what happened next you got into university. You are
Speaker 4: becoming a baby doctor. It got all too much. You
Speaker 4: did part time and that's I'm assuming when you went
Speaker 4: to let's I'm taking a stab in the dark here
Speaker 4: you moved on to cent Link with zero dollars in savings.
Speaker 2: Yeah, literally, So I was living in one of the
Speaker 2: major cities and yeah, rent was just a lot in
Speaker 2: that time, and so all of my savings that I
Speaker 2: had saved and that two year period kind of went
Speaker 2: onto life. Yeah, and I think I'd saved enough to
Speaker 2: do that, so I was able to like support myself
Speaker 2: and get myself through to not work as much. But
Speaker 2: I also had the gap of no seni Link because
Speaker 2: I earned just too much as a part timer. So
Speaker 2: I was in this position where if I didn't work,
Speaker 2: I couldn't live. But if I worked, like I was
Speaker 2: not okay. I was just burning out. So I eventually
Speaker 2: had to cool my parents crying being I met my
Speaker 2: last dollars, like I don't think I can survive like
Speaker 2: doing this and I'm very fortunate and lucky. And my
Speaker 2: parents were like, yeah, like if if this is what
Speaker 2: needs to happen, like we can support.
Speaker 4: You for That's so sweet.
Speaker 2: Yeah, yeah that was.
Speaker 4: And you just know, like I know that you prefaced
Speaker 4: it before you were Like, I had a middle class
Speaker 4: up bringing. My parents were hairdresser and a nurse, from memory,
Speaker 4: and I just know that that would have put them
Speaker 4: out financially, but like they wanted to help you. Yeah,
Speaker 4: that's so sweet and I know that that you know
Speaker 4: it ebbs and flows, but it's so nice that you
Speaker 4: have that because so many people fall off the train
Speaker 4: when it comes to medicine because they just can't cut
Speaker 4: it and it is unfeasible. As a baby doctor or
Speaker 4: I call them baby doctors because I've got so many
Speaker 4: friends that went into medicine. I'm like, they're the baby doctors,
Speaker 4: even now they're real doctors. I'm like, baby doctor. It's
Speaker 4: unfeasible most of the time to work and to study,
Speaker 4: Like it's just actually unreasonable, Like the amount of study
Speaker 4: you have to do outside class hours is insane to
Speaker 4: keep up. Like even having a retail job or a
Speaker 4: hospitality job for most of them doesn't work. And we've
Speaker 4: had money diarists on the show before who have spoken
Speaker 4: about their med school careers I suppose and talked about
Speaker 4: how hard that is, and even one of them was saying,
Speaker 4: you know what I did to make money and I
Speaker 4: supported myself. I sold my notes because that's what I
Speaker 4: spent all my time doing. I sold all of my
Speaker 4: class notes and that's how I got by. Like, it's hard,
Speaker 4: so I'm not surprised you ended up there.
Speaker 2: Yeah. Absolutely, And I am a bit too chaotic to actually,
Speaker 2: you know, make pretty notes, so I definitely couldn't sell mine.
Speaker 2: Hear that, And I thought I was very very smart.
Speaker 4: It's real, real thrifty. Hey, I'm like, you're a genius.
Speaker 2: Love it, but yeah, it couldn't be me. I'm not
Speaker 2: organized enough, that's for sure.
Speaker 4: Couldn't be me. But proud of her, Yeah, love it.
Speaker 2: Yeah, so that's probably I guess where I kind of
Speaker 2: when I was like, okay, MoMA, d I need help,
Speaker 2: and then I randomly as a Dolomites kid. Mom and
Speaker 2: I have had a shared bank account since basically I
Speaker 2: was born, and still love it. So even when I
Speaker 2: moved overseas, I put my money in that account so
Speaker 2: she could still technically help if I needed to. And
Speaker 2: it's just an easy access point for us.
Speaker 4: That's so cute, that's so trusting as well.
Speaker 2: Yeah, it's not for everyone, I'll say that much. And
Speaker 2: my siblings definitely don't have it in play anymore.
Speaker 4: So they're like Nigel's crazy.
Speaker 2: Yeah, but it has been I guess handy because we've
Speaker 2: done that kind of what She's been able to support
Speaker 2: me and help out, which is.
Speaker 4: That's so nice to be able to get through it.
Speaker 4: And now you're in your final year of med school?
Speaker 4: Is that right?
Speaker 2: Nearly there? And I've just started working again this year.
Speaker 2: I've got a bit more I will say a bit
Speaker 2: more time, but I've actually just filled it all. But yeah,
Speaker 2: I'm working again as of this yeara work remote, which
Speaker 2: is great.
Speaker 4: I was about to say what type of work are
Speaker 4: you doing? It actually slots in with being a med
Speaker 4: student in their final year.
Speaker 2: Yeah, I'm doing health admin which is pretty crazy perfect,
Speaker 2: I'm honest, And yeah, it's remote work. I can do
Speaker 2: it wherever I am, so I can visit family and
Speaker 2: friends and just take it with me and do it
Speaker 2: wherever I am.
Speaker 4: Oh, how good. Now tell me about what the future
Speaker 4: looks like. You are currently a med student. You are thirty.
Speaker 4: I want to talk about that fertility preservation treatment in
Speaker 4: a hot minute, But like, what kind of doctor do
Speaker 4: you want to be? What does you know it look
Speaker 4: like once you graduate?
Speaker 2: Yeah? Money question that one. So I really want to
Speaker 2: practice rurally. I like the idea of a rural generalist,
Speaker 2: which is essentially a GP who has advanced skills, so
Speaker 2: you can work as an emergency doctor or a pediatrician
Speaker 2: or hell care or whatever it might be, so you
Speaker 2: can kind of do all of the other different types
Speaker 2: of medicine as well as be a GP. I like
Speaker 2: that concept, but we'll see. But I do really like pediatrics,
Speaker 2: so working with kids and emergency medicine as well. So
Speaker 2: that's kind of where I'm kind of gearing towards at
Speaker 2: the moment, But we'll see what happens. We've got to
Speaker 2: do like general years first, so I'll see what I
Speaker 2: like then. And yeah, I suppose because I'm thirty, I'm
Speaker 2: kind of thinking about what's going to happen in my
Speaker 2: next five years and ten years. And there's obviously some
Speaker 2: other stuff. You know, you mentioned the fertility preservation stuff
Speaker 2: I've been going through.
Speaker 4: Yeah, I want to know more about that because to me,
Speaker 4: it makes a lot of sense because you told me earlier.
Speaker 4: I'm thirty. You know, I'm actually in my final year
Speaker 4: as a med student. And while I hate the fact
Speaker 4: that women have to choose between a career and you know,
Speaker 4: having a family, at the moment, you're kind of like
Speaker 4: at that juxtaposition where you're probably and this is an assumption,
Speaker 4: you can tell me to go shove it or not.
Speaker 4: You're probably starting to feel a bit of pressure because
Speaker 4: I remember when I turned thirty going, oh, I never
Speaker 4: thought about my fertility like windows or my biology, cool clock,
Speaker 4: and doing medicine, you'd know a lot more about that
Speaker 4: than the average bear. So tell me why you're going
Speaker 4: through that fertility preservation treatment pathway and like, what does
Speaker 4: that actually look like? How much is it costing you?
Speaker 2: Yeah? Sure, yeah a lot. Although yeah, I suppose in
Speaker 2: terms of the why. So I started thinking about it,
Speaker 2: I guess last year, and I was like, oh, maybe
Speaker 2: I should look into it, and then I thought, oh,
Speaker 2: I'll just start taking the steps, and it was more
Speaker 2: of an insurance policy. So I was doing it just
Speaker 2: to kind of have the eggs in the bank. And
Speaker 2: I'm again talking from a very privileged position. I know,
Speaker 2: not everyone's in that situation. That's possible, but this was
Speaker 2: my experience, and so I suppose I kind of started
Speaker 2: looking into it as an insurance thing, and then as
Speaker 2: I started doing that, I found out that I actually
Speaker 2: had some medical reasons that needed to have it done
Speaker 2: for Wow.
Speaker 4: Yeah, and you wouldn't have known if you hadn't started
Speaker 4: going down that path.
Speaker 2: So it very much went from a like I literally
Speaker 2: was going to do it as like a backup plan,
Speaker 2: and then I went in and I remember sitting down
Speaker 2: in front of this like the nurse case that I
Speaker 2: hadn't met before, and within like two minutes she was like, yeah,
Speaker 2: so if you want to have kids, you'll have to
Speaker 2: do it in the next year.
Speaker 4: And I was just like, I'm sorry, what. Yeah? I
Speaker 4: was like, uh, no pressure, and like, to be really pervy.
Speaker 4: Do you have a partner?
Speaker 2: I do, but he's also twenty five and.
Speaker 4: You know he's not ready and you're not at that
Speaker 4: point in your life where that's what you want to do.
Speaker 4: Oh my god, the pressure? How did that go? I
Speaker 4: would have probably burst into tears. I did, yeah, normal response,
Speaker 4: And then what you go home and have a chat
Speaker 4: with your partner and be like we're not ready for this, yeah.
Speaker 2: And like we'd already have the chat obviously because I
Speaker 2: was starting to look into it, so we already were out.
Speaker 2: And then I was like, actually, guess what. So yeah,
Speaker 2: it was not good, And as you could expect, I
Speaker 2: was a mess, and it also was like a very
Speaker 2: much a thing of Okay, we need to start this now.
Speaker 2: So it was I think two weeks later I was injecting.
Speaker 4: Like wow, doing injections.
Speaker 2: And taking the medications. So yeah, it was a really
Speaker 2: quick turnaround. And again, I'm very lucky to have had
Speaker 2: the support of my family, and i'd kind of spoken
Speaker 2: to mom and dad and seeing whether or not that
Speaker 2: was something they could assist me with, knowing that you know,
Speaker 2: in a year's time I hopefully will have an incoming
Speaker 2: can pay back.
Speaker 4: Yeah, of course.
Speaker 2: Yeah, so I was kind of in a position where
Speaker 2: they were able to help with that, which I'm so
Speaker 2: grateful for and lucky.
Speaker 4: The other thing I will interject with here is if
Speaker 4: people are going through this and they don't have that
Speaker 4: family support, you are able to access your superannuation for
Speaker 4: stuff like this. So you are able to access your
Speaker 4: funds in your super to be able to pay for
Speaker 4: fertility treatments and you know, egg preservation and things like that.
Speaker 4: And if you are confused about it, there's heaps of
Speaker 4: information online, but the best thing you can do is
Speaker 4: actually call your super company and have a chat with
Speaker 4: them about what that might mean for you, because they
Speaker 4: will let you know what that process looks like, how
Speaker 4: you access funding, what it means to access funding, where
Speaker 4: you can go where you might not go, and you
Speaker 4: know how much you can actually get because it's going
Speaker 4: to depend on how you access it. But I don't
Speaker 4: want people to think that, Oh my god, and I
Speaker 4: know that Nigel, your experience is a bit different. But
Speaker 4: it's so nice that you've got that support. But you
Speaker 4: can access your superannuation and while obviously from a wealth
Speaker 4: point of view, that's not the best thing ever, we
Speaker 4: can also access it, get the fertility treatment we need,
Speaker 4: and talk about how we build that amount back up
Speaker 4: before we retire, so we're not, you know, behind on
Speaker 4: anything like there's always going to be a strategy at play,
Speaker 4: and if it means that, you know, in the next
Speaker 4: couple of years at work, we contribute a few extra
Speaker 4: dollars each month towards your super, so over the long
Speaker 4: term it builds back up. I think we're in the
Speaker 4: best possible position for everyone. Sorry side note, because I
Speaker 4: want everyone to have access to this.
Speaker 2: Yeah. Absolutely, it's like such a huge, I guess weight
Speaker 2: to kind of take on. And yeah, like I said,
Speaker 2: I'm very lucky to be in the position, but I
Speaker 2: can't imagine being in a position where it's something that
Speaker 2: I feel is invisible. So I completely yeah, really important.
Speaker 4: So where are you at in that process now?
Speaker 2: Yeah, I've had two of egg collection. I didn't have
Speaker 2: great numbers collected, which was traumatic to say the least it.
Speaker 4: Would be because you're already going through a traumatic process.
Speaker 4: You're injecting yourself, you're going through a whole heap of
Speaker 4: trashy emotions like they boost all of your hormone like
Speaker 4: it would have been trash you to then find out
Speaker 4: you didn't have enough eggs like collected and that you
Speaker 4: have to go again.
Speaker 2: Yeah, And they kind of started with being like we're
Speaker 2: going to collect this amount, and then it was every
Speaker 2: time I spoke to someone else, it just got lower
Speaker 2: and lower and lower and lower and lower, and I
Speaker 2: just it was just awful.
Speaker 4: I'm so sorry. That's really just honestly, it's really shitty.
Speaker 2: Yeah, it is shitty, but that was that's all right.
Speaker 2: I went through and at least no one else has to, hopefully,
Speaker 2: But yeah, it just took a big toll. And of course,
Speaker 2: because things don't happen to me in you know, small
Speaker 2: little batches. It all happens at once. I also happened
Speaker 2: to be on obstetrips and gynecology at the time. My
Speaker 2: rotation and pediatrics were my two rotations over that period,
Speaker 2: So that was a real knife in the gut.
Speaker 4: Yeah, just a really heavy piece of content that you're
Speaker 4: having to deal with every single day. Oh, I'm so sorry.
Speaker 2: It was challenging. But anyway, enough of that, that's you know,
Speaker 2: it is what it is. Can't change it. And I've
Speaker 2: gone through two cycles. I think at this stage I'm
Speaker 2: just going to pause on it for a little bit
Speaker 2: because it really did take a toll, and I will
Speaker 2: look at it again next year when I have the
Speaker 2: income to support myself to do it. At the moment,
Speaker 2: so in terms of cost, my initial quotes were, I
Speaker 2: think it was seven and a half thousand plus the anisety,
Speaker 2: which is about four hundred.
Speaker 4: Bucks per cycle.
Speaker 2: Per cycle, yeah, plus the day procedure which was I
Speaker 2: think nine to ninety as well, So it was around
Speaker 2: about just shire ten thousand.
Speaker 4: Ten thousand dollars around.
Speaker 2: It was out of pocket without private health, without Medicare,
Speaker 2: and then Medicare. I hit my top rebate, my threshold, sorry,
Speaker 2: and it was then changed to be a medically required procedure.
Speaker 2: So I think in the end, out of pocket, I
Speaker 2: think it's three and a half of three thy six
Speaker 2: hundred per cycle was what it ended up costing me
Speaker 2: out of pocket, which.
Speaker 4: Is still a lot of money. And we're not just
Speaker 4: talking like a lot of money to guarantee you have
Speaker 4: kids either, we're talking a lot of money for a
Speaker 4: better chance at having kids, yes, exactly, and so like
Speaker 4: that would weigh really heavily. And it also doesn't include
Speaker 4: all of the cost of storage because those eggs need
Speaker 4: to be stored over the long term, and then once
Speaker 4: you decide to use one of your eggs, the insemination process.
Speaker 4: So it's actually insane to think what we have to
Speaker 4: go through as women to start a family. But I'm
Speaker 4: really proud that you went through that because it's probably
Speaker 4: giving you a little bit of peace of mind, is
Speaker 4: that right?
Speaker 2: Yeah? Absolutely, I think what I have now is obviously
Speaker 2: not what I want to end up with, so I'll
Speaker 2: definitely go further with it as needed, but for now,
Speaker 2: I'm happy enough that I have something to work with.
Speaker 4: And yeah, no, I love that.
Speaker 2: And just on the freezing my freezing costs are two
Speaker 2: hundred and fifty five dollars every six months.
Speaker 4: Every six months. Yeah, Oh my gosh, that feels like
Speaker 4: a massive Like I feel like my phone bill is
Speaker 4: less than that. Yeah, Like, oh my god.
Speaker 2: Yeah, So anyway, just some more in pro I guess.
Speaker 4: Oh my gosh. All right, Well, I've got a heap
Speaker 4: of questions for you. I want to know how much
Speaker 4: a you're earning right now. You mentioned before that you
Speaker 4: were doing health admin and what does that mean and
Speaker 4: how much does that pay?
Speaker 2: Yeah, so at the moment, I'm basically just managing waiting
Speaker 2: rooms for our online service, and it depends. I'm a
Speaker 2: casual employee, so it changes every fortnite. So you paid
Speaker 2: for pnately roughly, I would say I get anywhere between
Speaker 2: six hundred dollars to one thousand dollars a fortnight through
Speaker 2: that job. It pays pretty decently, and sorry, I should
Speaker 2: say very decently.
Speaker 4: Really, how much is that per hour?
Speaker 2: It's about thirty six dollars per hour, and then I'm
Speaker 2: on top of that weekend I guess rates as well.
Speaker 4: Our loadings and stuff as well, and you get to
Speaker 4: work from home, you're just online making thirty six bucks
Speaker 4: in it. Okay, must be night, that's all right.
Speaker 2: Yeah, so I do that, and then I also get
Speaker 2: center links still, which is about six hundred and twenty
Speaker 2: I think per fortnite. So you can understand why I live.
Speaker 2: You off six hundred and twenty bucks a fortnight was
Speaker 2: a bit difficult without a job, all.
Speaker 4: Right, Yeah, it definitely is. And as a student even
Speaker 4: you're just your costs over the year for rent and
Speaker 4: food and even textbooks to study, like, it's more than that, absolutely, So, yeah,
Speaker 4: you do often see people having to work. But it's
Speaker 4: nice that the top up exists because I know it's
Speaker 4: not the same for lots of other countries. Tell me
Speaker 4: what's your big money goal at the moment? We talked
Speaker 4: about fertility, We talked about you having a partner, Like,
Speaker 4: is it property? Is it you know this fertility stuff.
Speaker 4: Is it being able to move regionally to be a
Speaker 4: regional doctor? Like, what are your big money goals?
Speaker 2: Yeah, so at the moment, my biggest money goal is
Speaker 2: actually going overseas for a trip.
Speaker 4: Oh you know what, babe, you deserve it. What does
Speaker 4: that look like?
Speaker 2: Yeah, at the end of the year, we're hoping to
Speaker 2: a few of us go overseas and have a bit
Speaker 2: of a break before we start working.
Speaker 4: Well, reading the fact that we're graduating as doctors, like, oh,
Speaker 4: how cool.
Speaker 2: So we're hoping to do balley in Japan, which will
Speaker 2: be fun. And at the moment, flights accommodation for BALI
Speaker 2: are costing us about all one thousand and two hundred,
Speaker 2: I'll say, and we haven't really costed Japan yet but.
Speaker 4: A bit more expensive. But I feel like it's really
Speaker 4: reasonable at the moment. Yeah, like super reasonable. I would
Speaker 4: love to visit Japan, and everyone in my team except
Speaker 4: for me, has in the recent years and apparently it's incredible,
Speaker 4: Like Jess and Beck rave about Japan. They're both the
Speaker 4: biggest Japan fans. So I feel like it would be
Speaker 4: rude not to try, given they've got good recommendation.
Speaker 2: Ye, give it a go. Well, yeah, I'm very excited.
Speaker 2: So we're hoping to do that. I'm aiming to save
Speaker 2: I think I'll be lucky if I eight grand for that,
Speaker 2: but I am hoping.
Speaker 4: I feel like that's reasonable, that's reasonable, and also that
Speaker 4: would be a good holiday. Yeah, I agree for two locations.
Speaker 2: Yeah, so that's the plan. That's the big money goal.
Speaker 2: At the moment, and then I think the plan after
Speaker 2: that is to kind of start saving and look at property.
Speaker 4: Then oh, I love that. All right, let's go to
Speaker 4: a really quick break on the flip side. I want
Speaker 4: to know your thoughts about investments and debt and then
Speaker 4: your best and worst money habits. I feel like as
Speaker 4: a med student you've probably got a few savvy habits
Speaker 4: that we can learn from. So guys, don't go anywhere
Speaker 4: money Direstaret Nigel, as you've become known on this episode.
Speaker 4: We are back, and I'm really excited about this episode.
Speaker 4: I feel like you are one very engaging to talk to,
Speaker 4: which is why the first half of the episode was
Speaker 4: very rich and very long. I have adored talking to
Speaker 4: you thus far, but it's also been super interesting. I
Speaker 4: want to know, though, as a Med student who has
Speaker 4: gone from, you know, earning one hundred thousand dollars to
Speaker 4: then being on centlink and having zero dollars in savings,
Speaker 4: what are your thoughts on investments? Do you have them?
Speaker 4: Do you think about them?
Speaker 1: Like?
Speaker 4: What does that look like at this point in your journey?
Speaker 2: Yeah, so I obviously has some super up my stall. Yes,
Speaker 2: so at the moment, my super sitting at about thirty
Speaker 2: one thousand dollars.
Speaker 4: Honestly, not that bad for being thirty and having studied
Speaker 4: for so long.
Speaker 2: Yeah, yeah, I worked down. I'm in my tenth year
Speaker 2: of university, which is crazy.
Speaker 4: I feel like that's a common doctor experience.
Speaker 2: Yeah. So I suppose the only issue with that is
Speaker 2: that I had a couple of years where I wasn't
Speaker 2: contributing at all, so obviously didn't get that compounding interest.
Speaker 4: But we're aware of it, and that is okay, and
Speaker 4: let's be honest. I feel like there is a misconception
Speaker 4: that doctors earned the big bucks always and that's not
Speaker 4: necessarily true. But it is a steady and good income.
Speaker 4: So once you do get to that stage, we can
Speaker 4: probably build it back up.
Speaker 2: Yeah, exactly, and I'm planning to do that. So yeah,
Speaker 2: aware of where I need to work on it. And
Speaker 2: then in terms of other investments I have started, I
Speaker 2: was very nervous, but I did start doubling in Chasis.
Speaker 4: Who is she? I love this.
Speaker 2: You'll be amazed at how much money I've put in there.
Speaker 2: I put in five dollars a week.
Speaker 4: Yeah, that's perfect, And why would I be amazed? Like,
Speaker 4: that's literally consistent. What we want is consistent investments always.
Speaker 2: Yeah, exactly. So I'm up to forty dollars in Chezy's
Speaker 2: and I slay Queen. Yeah, lost about a dollar fifty
Speaker 2: of that, So we're doing well. But that's fine.
Speaker 4: Investing is good over the long term. Short term, sometimes
Speaker 4: it can feel like you're being kicked in the teeth. Yeah,
Speaker 4: Sometimes you look at it and you're like, what the hell,
Speaker 4: that's so rude. But we're in it for the long
Speaker 4: term and we're in it together.
Speaker 2: Yeah exactly. So, yeah, that's kind of what I've got
Speaker 2: going at the moment for investments and hoping to just
Speaker 2: continue that.
Speaker 4: On How have you picked your investments on chairs eas
Speaker 4: Because I mean, we talk about it all the time,
Speaker 4: but Chezya's is the platform on which you're investing. Once
Speaker 4: you're there, sometimes people get analysis paralysis and go, oh
Speaker 4: my gosh, be I didn't know what to do, so
Speaker 4: I didn't do anything. How did you pick your first
Speaker 4: investments on that platform?
Speaker 2: Yeah, so I definitely did get analysis paralysis. I downloaded
Speaker 2: it like six months ago and then I was like, panic,
Speaker 2: let's put this to the side.
Speaker 4: It's so common.
Speaker 2: Yeah, And then I started kind of looking into it
Speaker 2: again a couple of months ago, and I just decided
Speaker 2: that single I guess companies weren't really I didn't want
Speaker 2: to have to watch it really, so I chose ETFs.
Speaker 2: So I think I have a vanguard and I want
Speaker 2: to say better shares. I don't know if that's how
Speaker 2: you pronounce.
Speaker 4: It, but it's better shares whatever you want to call it. Yeah,
Speaker 4: I mean, I do know the CEO of Beta Shares
Speaker 4: and he's fantastic, but I haven't actually ever clarified if
Speaker 4: it's better shares or Beta shares, So I hope that
Speaker 4: I haven't been talking to him directly. You've seen the
Speaker 4: wrong one, and that's just something to give me anxiety
Speaker 4: later at three am. Carry on.
Speaker 2: Yeah, So I have a couple of ETFs and I
Speaker 2: haven't really gone too much like further than that. I
Speaker 2: just put in five bucks each week and.
Speaker 4: See what happens, how good.
Speaker 2: The plan is to just kind of keep it going,
Speaker 2: and then eventually next year I'm hoping to essentially get
Speaker 2: like a financial advisor and see what I should be
Speaker 2: doing with the actual incumbent getting and how to split that.
Speaker 4: And now I know you've got analysis paralysis. At the
Speaker 4: start and it took a little while to pick what
Speaker 4: worked for you. But now you're there, are you like, oh,
Speaker 4: this is good or this is overwhelming or what does
Speaker 4: that look like? Now you're invested? Because I feel like
Speaker 4: so many of us are actually still stuck in that
Speaker 4: analysis paralysis area of like do I pick individual shares?
Speaker 4: Do I pick an ETF? Oh my gosh, I've decided ETF?
Speaker 4: What EDF do I pick?
Speaker 2: Like?
Speaker 4: Are you okay? Now?
Speaker 2: I would say I'm like halfway there. I'm definitely still
Speaker 2: like confused at some points. So I'm still trying to
Speaker 2: like look into the ETFs and what they I'm definitely
Speaker 2: looking at what companies they actually are invested in love.
Speaker 2: I am trying to kind of like see what their
Speaker 2: pattern is over time and having a look at that.
Speaker 2: But other than that, I haven't really delved too much
Speaker 2: further into it. I'm aware that I can and I could.
Speaker 4: She's a work in progress. I like that.
Speaker 2: Yeah, work in progress is my is my thing.
Speaker 4: It was your theme when you wrote into Us as well.
Speaker 4: You said financial status work in progress. So I do
Speaker 4: love that, yeah, and I think it will be forever.
Speaker 4: But you know, so talk to me about debt. Do
Speaker 4: you have any debts owing to any human being or
Speaker 4: financial institution.
Speaker 2: Yes, so I've got a couple, so obviously, I, like
Speaker 2: I said before, I've got the debt that I'll be
Speaker 2: paying back to my parents.
Speaker 4: That's why I said human beings. I was like, I
Speaker 4: know it's coming.
Speaker 2: Yeah, so I'm very lucky that it's interest free.
Speaker 4: But the sexiest kind of debt, let's be honest, I mean,
Speaker 4: let's take away the fact that the un sexiest kind
Speaker 4: of debt is money that you owe to family or friends.
Speaker 4: My interest free very sexy.
Speaker 2: Yes, yeah, so I have a round about I would
Speaker 2: say seven and a half grand. That's just from your
Speaker 2: fertility preservation treatments. And actually it might be a little
Speaker 2: bit higher because I think there's a car service on
Speaker 2: top of that.
Speaker 4: Oh my gosh, of course, one thing after another.
Speaker 2: Yeah, But aside from that, I also have the lovely
Speaker 2: help debt loan. So at the moment, my higher education
Speaker 2: loan is sitting at eighty eight thousand dollars. And I
Speaker 2: also then have a student stuff loan, which is alone
Speaker 2: you can get via center link as a student. It's
Speaker 2: a semesterly payment or yeah.
Speaker 4: Yeah, loan every month and how much is that?
Speaker 2: Yeah, and my total for that is eleven thousand, two
Speaker 2: hundred dollars. So in total, yeah, I'm looking at about
Speaker 2: one hundred thousand dollars in debt.
Speaker 4: But we do need to stipulate the difference between good
Speaker 4: and bad debt. I think that you know, the idea
Speaker 4: that if we put on paper this money direst is
Speaker 4: one hundred thousand dollars in debt. That's really overwhelming, but
Speaker 4: it's actually you putting future you first, like that help
Speaker 4: and HEXT debt. Mine used to be six figures and
Speaker 4: it was terrifying at the time, but that's what's helped
Speaker 4: to get me where I'm going. And it's obvious that
Speaker 4: you've been really purposeful. You're like, I really want to
Speaker 4: be a doctor. I'm really committed to this career over time. Yes,
Speaker 4: it will impact your cash flow, but nobody will not.
Speaker 4: Many people have the ability to pay their education upfront,
Speaker 4: Like to me, that is wild, So having that makes
Speaker 4: a lot of sense. The students start up loan I
Speaker 4: think makes a lot of sense as well, because it's
Speaker 4: you know, lumped in with help and HEX and really
Speaker 4: does help you get ahead, Like I'm assuming here that
Speaker 4: that student loan has meant that you haven't had to
Speaker 4: further rely on your parents. Yeah, exactly, So that's again
Speaker 4: really sexy and putting your education first and then the
Speaker 4: seven and a half grand plus the car service you oh,
Speaker 4: your parents, Like, that's you know you again putting future
Speaker 4: you first. So while it can seem overwhelming, I love
Speaker 4: that it's not like personal debt. It's not you know,
Speaker 4: racking up a whole heap of debt on credit cards
Speaker 4: or personal loans, Whereas when I was in forty thousand
Speaker 4: dollars worth of debt, they weren't good debt, babe, Like
Speaker 4: it was me racking up terrible debt. So I think
Speaker 4: that there's a difference there, and this is putting future
Speaker 4: you first. So overwhelming, yes, but not unobtainable.
Speaker 2: Yeah. Absolutely, it's kind of like daunting, but it's also
Speaker 2: not by daunting. It's fine, I'll pay off you.
Speaker 4: Actually it's good. All right, Well, I want to know, like,
Speaker 4: let's change the narrative. What's your best money habit? I
Speaker 4: feel like over the last few years you would have
Speaker 4: had to get a little bit savvy with the cash.
Speaker 4: So what's the best money habit you could share with
Speaker 4: our community.
Speaker 2: Can I have two?
Speaker 4: I think you can have as many as you want,
Speaker 4: honestly great. I always ask for one because I just
Speaker 4: set the bar real low, and then if you give
Speaker 4: me two, I'm like, we've doubled it.
Speaker 2: Yeah great, I think like my first one, And to
Speaker 2: be honest, is probably not my hack. It's more mum's hack.
Speaker 2: But I've definitely had it instilled from a young age.
Speaker 2: If you don't have the money for something, you don't
Speaker 2: buy it. So I've never had it after pay I've
Speaker 2: never had a credit card. I've never kind of gone
Speaker 2: down that road. If I can't afford it, I can't
Speaker 2: afford it, And so I think that's been a really
Speaker 2: good I guess lesson for me to have learned early,
Speaker 2: because I definitely have the personality type where I get
Speaker 2: attached to things. I want to buy all the things
Speaker 2: I need for it, and then I'll do it, and
Speaker 2: then I'll get bored and then try something else. So yeah,
Speaker 2: I can definitely get tap happy. But anyway, that's probably
Speaker 2: my first I guess hack is that I don't have.
Speaker 4: Any of those would that is a very good thing
Speaker 4: to have been instilled from a young age me about
Speaker 4: what your second good money habit is.
Speaker 2: Yeah, so my second good money habit, I have become
Speaker 2: a very savvy shopper. So there's a local fruit bed
Speaker 2: shop and they do like a chuck out box of
Speaker 2: all the things that are what they call going off,
Speaker 2: but I think will last two weeks in the fridge
Speaker 2: if I make it work.
Speaker 4: Oh yeah. And I feel like so many people are,
Speaker 4: like they see one brown bit on a banana and
Speaker 4: they go, that's awful. You're like, no, it's not. It's
Speaker 4: a brown bit on a banana. It means it's ready
Speaker 4: to eat.
Speaker 2: Yeah, exactly. So honestly, they get me through left the week.
Speaker 2: They usually have a good selection and then nine.
Speaker 4: Dollars nine dollars yeah for a big box of fruit
Speaker 4: and veggies.
Speaker 2: Massive box, Like it will get me through a whole
Speaker 2: week easily. And I basically go there first. What Yeah,
Speaker 2: it's crazy, I.
Speaker 4: Know where you live, but I'm coming.
Speaker 2: Yeah, a shop at your local fresh fruit birge place.
Speaker 4: Honestly, Oh, I think that's gen Yeah, and it's not a.
Speaker 2: Cute day out like I do it on a Sunday
Speaker 2: or a Saturday, usually a weekend anyway, And I'll go
Speaker 2: get a coffee. I'll go to the fruit and bed
Speaker 2: shops see what they've got. If they've got a box,
Speaker 2: I get it. If not, I just like a couple
Speaker 2: of bits, and I usually make like a rosotto with
Speaker 2: all the vege and just chuck bits in.
Speaker 4: You're so smart. I love this, And you know what's
Speaker 4: hilarious in this economy, your coffee probably cost more than
Speaker 4: your fruit and veg box.
Speaker 2: Literally honestly. And then I go to like I GA.
Speaker 2: I gas are underrated for meat, honestly, they always have
Speaker 2: really good deals. So I'll go from the fruit and
Speaker 2: bed shop to I GA, see what deals they've got
Speaker 2: on that week. And then I'll go to like Woolies
Speaker 2: or calls for anything else I need. And I keep
Speaker 2: a really good stocked pantry, so I keep like all
Speaker 2: of the you know, a pasta or tomatoes. If you
Speaker 2: do anything with the tin of tomatoes.
Speaker 4: Oh you actually can, You're a genius. I feel like
Speaker 4: I need more of your budgeting tips for fruit and
Speaker 4: vege and like making creative rosottos, because sometimes I stare
Speaker 4: at my sometimes well stocked pantry and I'm like I've
Speaker 4: got nothing. Yeah, nothing, Yeah, I say when I really do,
Speaker 4: when I really do.
Speaker 2: Yeah, so that's probably one. Like I guess hack that
Speaker 2: I'm pretty good at. Yeah.
Speaker 4: I love that you rate did yourself a C plus
Speaker 4: at the start of this episode. So I need to
Speaker 4: know what's your worst money habit because I feel like
Speaker 4: you've been pretty good thus far. So there has to
Speaker 4: be a really, really really bad money habit to be
Speaker 4: bringing down the ratings, so we need to know what
Speaker 4: it is.
Speaker 2: Yeah, I would say I'm very tap happy, like I
Speaker 2: just won't even think about the purchase, even if it's
Speaker 2: like buying three coffees a day and not realizing I've
Speaker 2: done it, and.
Speaker 4: Like, and I mean, let's be honest. You're a med student.
Speaker 4: You deserve that caffeine that you deserve it.
Speaker 2: And in the hospital, actually this is not I'm diverting
Speaker 2: back to the art tips. If you're a med student,
Speaker 2: it's kind of like a hospital hierarchy. The most senior
Speaker 2: person on the team will buy coffees for the team.
Speaker 4: Oh nicey.
Speaker 2: It's like a real thing. So like, the further you
Speaker 2: go in your career you get more money that it's
Speaker 2: mostly to pay for coffees of other people.
Speaker 4: So yeah, okay, that's fair.
Speaker 2: Yeah, so that's I guess a hack is a med
Speaker 2: student is stay till the end of ward rounds. But
Speaker 2: anyway for the free coffee if anything.
Speaker 4: Yeah, and you need it at the end of a
Speaker 4: ward round, like that's when you need six coffees. So
Speaker 4: you're a little bit tap happy. And we're not tracking
Speaker 4: our budget and expenses in the way that we should be.
Speaker 4: Is that what I'm hearing.
Speaker 2: I'm terrible budgeting. Yeah, I'm really trying. So I would
Speaker 2: say in the last year, I noticed I was really bad,
Speaker 2: and I started to, like I changed my bank from
Speaker 2: you know, combank, the older the old Dolomites, decided to
Speaker 2: try something else.
Speaker 4: Out, finally branched out.
Speaker 2: Yeah. Yeah, and I'm using up at the moment, and
Speaker 2: I did create like all the different savers and I've
Speaker 2: been doing that now, which has actually been working. I'm
Speaker 2: definitely saving more money and following. I guess like the
Speaker 2: cash flow system that you kind of speak.
Speaker 4: About often, Oh are you that's exciting? Listened to like
Speaker 4: the podcasts and stuff about budgeting. I love this for you.
Speaker 2: I genuinely listened to that podcast, the one podcast about
Speaker 2: cash flow and budgeting, probably like five times I'm like, wait,
Speaker 2: am I doing this right? Will we try again?
Speaker 4: Okay, I can make it a lot easier if you.
Speaker 4: I'm actually gonna gift you my money masterclass so that
Speaker 4: you can go and do the videos and have the
Speaker 4: spreadsheet and all of this stuff. No one should have
Speaker 4: to listen to my cash flow episode that many times.
Speaker 4: It's like, I thank you for doing the money Diary,
Speaker 4: but also an apology that you had to listen to
Speaker 4: it that many times. So I'll set you up with
Speaker 4: that after so that you can start that. But I
Speaker 4: think that that will really help, especially if you've been
Speaker 4: already trying to follow my model.
Speaker 2: Yeah, I'm trying.
Speaker 4: I love that for you, money diarist. I mentioned just
Speaker 4: before that you at the start of the episode rated
Speaker 4: yourself a C plus. But you've gone on to tell
Speaker 4: me how resourceful you are. You've gone on to tell
Speaker 4: me that you're a med student, you're working while doing
Speaker 4: your final year of med. That to me is insane.
Speaker 4: I don't know many people who can do that or
Speaker 4: even would be willing to try. But you still rated
Speaker 4: yourself a C plus because you were a quote a
Speaker 4: little bit tap happy, like, let's be honest, budget and
Speaker 4: cash flow when you don't have the biggest income and
Speaker 4: you're still relatively reliant on Sentilink and part time work. Like,
Speaker 4: I don't think you're a C plus. I think you're
Speaker 4: a bit better than that. I'm not going to argue
Speaker 4: with you over it, but I do think you're better
Speaker 4: than that. But right now it might feel like you're
Speaker 4: a C plus because finances are tough when you're in
Speaker 4: that circums. So hopefully after having a conversation you're feeling
Speaker 4: a little bit more positive about what you've been working towards.
Speaker 2: Yeah, I could probably move to a BE minus, but
Speaker 2: that's as far as i'll go.
Speaker 4: That's as far as we go. All right, Well, you
Speaker 4: know what, I'll take it, and I'll check back in
Speaker 4: with you when you're a proper baby doctor money arrist
Speaker 4: I have adored this. Thank you for coming on the show, Nigel.
Speaker 4: It's been really really appreciated. But also you've been so
Speaker 4: bubbly and so fun to talk to, which is why
Speaker 4: this recording took so long. So I apologize to anyone listening,
Speaker 4: but also you're welcome for the extra content.
Speaker 2: Yeah, I'm sorry, I took a lot.
Speaker 4: No, I adored it. I've had the best time. Thank
Speaker 4: you for sharing your story with the community. I know
Speaker 4: they're going to love you as much as I have.
Speaker 2: No thanks so much for having me. I really appreciate it,
Speaker 2: and hopefully I guess if people are in some more situations,
Speaker 2: they know they're at least, at the very least got alone.
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