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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 1: Hello, and welcome to She's on the Money, the podcast

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Speaker 1: for millennials who want financial freedom.

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Speaker 3: Surprise.

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Speaker 1: My name is Tony Lodge, and I am obviously here

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Speaker 1: with Victoria to fine.

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Speaker 3: Why is it so obvious and why is it so

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Speaker 3: drawn out?

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Speaker 2: Oh?

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Speaker 1: I just thought that would be cute.

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Speaker 2: Oh, thank you.

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Speaker 1: We don't have to jump in it.

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Speaker 2: No, no, no, no, don't start again.

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Speaker 3: I don't like it.

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Speaker 2: Just keep this in there. Okay, this is a money diary.

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Speaker 1: I'll never do it again. Yep, we're here from money

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Speaker 1: Diary and I really like this one. I think it's

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Speaker 1: going to be a nice one.

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Speaker 2: Well, I haven't seen the email just yet to want

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Speaker 2: to read it to you, all right, I would love

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Speaker 2: for you to read it to me.

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Speaker 1: Okay, Hi there. I'm twenty nine and live with my

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Speaker 1: partner of ten years.

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Speaker 3: Oh cute.

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Speaker 1: We currently have around eight hundred dollars in savings. I

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Speaker 1: have a full time job, a casual job, and I'm

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Speaker 1: also self employed as a disability support worker.

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Speaker 3: Oh my gosh, what cezy.

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Speaker 1: Around eighteen months ago, my partner was in an accident

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Speaker 1: while holidaying overseas. Oh no, as a result, he has

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Speaker 1: severe brain damage and will never work or drive again.

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Speaker 1: We currently owe his family around ninety thousand dollars for

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Speaker 1: money borrowed to pay for overseas medical bills and an

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Speaker 1: air evacuation. Any money my partner receives from the government

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Speaker 1: goes to these bills, which leaves him with next to

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Speaker 1: nothing to live on, and my income covers both of

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Speaker 1: our daily living costs including rent, insurance, medication, utilities, etc. Thanks.

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Speaker 1: Oh my gosh, we've got our money, diarrest on the line.

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Speaker 3: We do.

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Speaker 1: Let's have a chat, and I guess we'd first like

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Speaker 1: to say thank you for sharing your story with us.

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Speaker 1: It's like a quite intimate story.

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Speaker 2: Yeah, absolutely, thank you for reaching out to us and

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Speaker 2: you know, I guess trusting us to share this that's

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Speaker 2: really special.

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Speaker 4: Thank you.

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Speaker 3: Oh well, do you know what in true?

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Speaker 2: She's on the money money dary fashion. Let's get into

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Speaker 2: all of the questions. I have a lot for you,

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Speaker 2: but we'll get to them at the end of the

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Speaker 2: podcast when we get to have a good chat. But

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Speaker 2: let's kick off straight away with what is your attitude

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Speaker 2: towards money?

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Speaker 4: I'm very conservative. I don't like to spend money unless

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Speaker 4: it's absolutely necessary.

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Speaker 1: So you don't like treat yourself a lot. You just

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Speaker 1: kind of you stick to your means and that's it.

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Speaker 4: Yeah, pretty much.

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Speaker 2: And where do you think that attitude towards money came from.

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Speaker 2: Do you think it's, you know, something you've.

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Speaker 3: Always had, or is it recent or how's that come

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Speaker 3: to fruition?

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Speaker 4: I think it's something that I've always had. I grew

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Speaker 4: up in a single family home, so it was just

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Speaker 4: my mom supporting the three of us kids.

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Speaker 3: Three I got a queen my god.

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Speaker 4: Yeah. Yeah, So as I got older, I was always

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Speaker 4: aware of the value of money. Yeah, and yeah, because

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Speaker 4: you know, we went through some really hard times when

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Speaker 4: I was younger. When I have money, I don't really

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Speaker 4: like to part with it. But the recent events in

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Speaker 4: my life have sort of exacerbated that. I definitely don't

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Speaker 4: mind spending running.

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Speaker 2: Yeah, that must be so hard, And we'll get into

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Speaker 2: that a little bit later, because I do want to

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Speaker 2: be able to ask you some perfect questions that I'm

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Speaker 2: sure friends and family probably haven't had the permission to ask.

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Speaker 2: But being a money direct means that you're open to it,

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Speaker 2: which were so grateful for. But let's jump into the

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Speaker 2: next question, which is what do you do for work

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Speaker 2: and how much do you currently earn?

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Speaker 4: Okay, so, my main job, my full time job, I

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Speaker 4: am an assistant account manager in the insurance division of

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Speaker 4: a large building company. I also work casually in retail,

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Speaker 4: and I'm self employed as a disability support worker.

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Speaker 2: So you must do so many hours a week. What

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Speaker 2: does your average workweek look like?

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Speaker 4: About six to seven days?

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Speaker 3: Oh my gosh.

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Speaker 4: Yeah, so I do between forty eight and fifty eight

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Speaker 4: hours a week.

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Speaker 2: Oh my gosh, that is so many hours, especially because

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Speaker 2: I know, and I guess, I guess this is a

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Speaker 2: bit different because we've read that email out and I

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Speaker 2: kind of know why you do what you do, and

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Speaker 2: you know, so many people do work fifty eight hours

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Speaker 2: a week, Like I definitely would run loops around that,

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Speaker 2: And that's not a flex at all.

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Speaker 3: It's just more I run loops around that.

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Speaker 2: But I'm so lucky that I get to do that,

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Speaker 2: just because it's a choice of mine, whereas yours is

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Speaker 2: not coming from choice, right, Yeah, I have to Yeah, absolutely,

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Speaker 2: So next question, let's try keeping this on track, because

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Speaker 2: I genuinely want to have such a beautiful chat with

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Speaker 2: you soon.

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Speaker 3: But what is your big money goal.

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Speaker 4: So my big money goal at the moment is to

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Speaker 4: pay off an existing debt and say it wasn't for

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Speaker 4: a home.

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Speaker 3: Awesome. How how's that tracking?

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Speaker 4: It's actually getting a little bit better. I've recently started

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Speaker 4: a new role which changed with a HAVES wage increase.

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Speaker 4: Yeah congrats, yes, yeah, so really excited about that. So

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Speaker 4: at the moment where they're smashing out repayments on a loan,

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Speaker 4: and then once we're in a more comfortable position, we

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Speaker 4: will start saving for a house deposits. So we haven't

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Speaker 4: started that yet.

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Speaker 3: That is so good.

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Speaker 2: So do you currently have investments?

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Speaker 4: I do use rais Yes, yes, so I did. I

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Speaker 4: had probably about five hundred dollars in there was very

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Speaker 4: recent but when I changed jobs, I actually had to

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Speaker 4: go four weeks without any income all out yees, so

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Speaker 4: I had to use up my emergency find andre all

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Speaker 4: on my Rave account in order.

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Speaker 2: So excited to hear that you had an advice you'ven

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Speaker 2: So how good is that?

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Speaker 4: It's really good? And it's you'd get up through that

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Speaker 4: entire four weeks?

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Speaker 3: Oh good, I'm so glad.

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Speaker 2: All right, next question is do you currently have any debts?

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Speaker 3: If so, what are they yes.

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Speaker 4: So we now have about fifty seven eight hundred owing

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Speaker 4: to my partner's grandparents for the loan we got to

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Speaker 4: his air evacuation. I have about sixteen thousand in hext

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Speaker 4: and a twelve hundred dollars tax bill.

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Speaker 1: It sounds like you made a pretty big dent in

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Speaker 1: the Oh sorry, is that giving ahead? No? No, no, it

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Speaker 1: sounds like you've made a really big dent in the

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Speaker 1: money you owe to your partner's family. That's amazing.

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Speaker 4: Yeah. So we did organize a growth fund me, and

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Speaker 4: the donation from that puts, you know, a hefty dent

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Speaker 4: into the debt.

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Speaker 1: That's amazing.

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Speaker 4: And I think in the last eighteen months we've paid

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Speaker 4: down about ten to fifteen thousand.

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Speaker 3: God, that's so googe.

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Speaker 1: That's so much money that you guys have. Okay, sorry, no, no, no,

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Speaker 1: next question.

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Speaker 2: All right, So what is one of your best money habits.

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Speaker 4: I'm always saving, so I use up. Thanks, Yes, we

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Speaker 4: love up. Yes. And so I get paid monthly. So

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Speaker 4: I have my little side accounts for week two, three,

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Speaker 4: and four, and I split up my my wages into

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Speaker 4: different weeks. And then I also have so one of

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Speaker 4: my jobs. Everything gets paid into the emergency fund account,

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Speaker 4: so it's automatically transferred. And then I do also have

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Speaker 4: a car account. We're another one of my jobs get

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Speaker 4: paid directly into my car account.

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Speaker 3: So that is actually really good.

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Speaker 2: And I'm so glad to hear that you're on top

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Speaker 2: of your money story, because when something traumatic like what

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Speaker 2: you've been through happens, often people do bury their heads

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Speaker 2: even further into the sand when it comes to money.

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Speaker 2: But it sounds like you guys are absolutely on top

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Speaker 2: of it. So to contrast that a little bit, what

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Speaker 2: is your worst money habit?

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Speaker 4: I think that my worst money habit would be I

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Speaker 4: want to say food.

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Speaker 1: It's the same time common.

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Speaker 3: It's so common. Yeah, it's so easy.

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Speaker 4: So in the last week, I think I've cooked once,

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Speaker 4: and if I go to the sous market to one thing,

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Speaker 4: I come out with ten things. And especially tap Aware.

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Speaker 3: Oh my gosh, I'm girls say.

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Speaker 4: I've come out with so much tup aware and take

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Speaker 4: get like takeaway coffee cups from the souitmarkets. I have

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Speaker 4: like fifteen or twenty in my cupboard and I just

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Speaker 4: keep buying them.

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Speaker 3: It's like an addiction.

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Speaker 2: I always walk past the tuperware section and look at it.

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Speaker 3: And grade.

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Speaker 2: Jumping back into the questions with you, my friend, last

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Speaker 2: question before we get to have a chat with you

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Speaker 2: properly is what grade would you give yourself if I

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Speaker 2: forced you to give yourself a grade?

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Speaker 4: I think maybe like a seven and a half. I

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Speaker 4: think because I feel like we're still recovering, You're totally

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Speaker 4: quite there yet, but we're getting there.

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Speaker 3: I'm going to give you a nine. I feel like

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Speaker 3: I'm doing so but I feel like you're doing.

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Speaker 2: So well given the situation, and I'm sure after the

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Speaker 2: chat all of our listeners will absolutely agree. So we'll

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Speaker 2: be back in just a minute to have a really

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Speaker 2: good chat with you. Okay, let's jump straight back into

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Speaker 2: the questions. This is such a special story to be

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Speaker 2: sharing money, direst. I think the best place to start is, actually,

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Speaker 2: can you give us a little bit of a backstory,

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Speaker 2: like what happened? Tell me a little bit about your

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Speaker 2: partner and what he did before the accident.

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Speaker 4: Yeah, so, my partner was a painter, like a house painter,

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Speaker 4: and has been for a really, really long time. We

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Speaker 4: were scheduled to get married in September of twenty nineteen,

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Speaker 4: and a week before he went on his Bucks party

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Speaker 4: in Bali and that's where he had his accidents. So

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Speaker 4: he required emergency surgery and that was thirty five thousand

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Speaker 4: dollars and we had to make that payment before they

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Speaker 4: would operate. So essentially he was just laying in a

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Speaker 4: room and you weren't a young mayor, no, So I

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Speaker 4: was at home and it was exactly seven days before

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Speaker 4: the wedding. So the following day I got on a

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Speaker 4: plane and went straight to Bali and we spent a week.

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Speaker 1: Yeah, oh my god, we did incredibly traumatic. I'm so

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Speaker 1: sorry to hear that.

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Speaker 3: It was.

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Speaker 4: We did manage to get together enough money in time.

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Speaker 4: We had like an eighteen hour window to have that

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Speaker 4: surgery done and we managed to pull it together just

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Speaker 4: in time. So he's had an emergency. It's called a

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Speaker 4: decompressive craniot of me because he had bleeding and swelling

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Speaker 4: on his brain and then he spent he was on

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Speaker 4: life support for a week in a coma before we

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Speaker 4: were able to medivac him back to Australia. So he

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Speaker 4: did have insurance and he took out insurance to be

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Speaker 4: writing a scooter, but he did not have an international

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Speaker 4: driver's license, so the insurance company Tonight our claim.

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Speaker 1: See even when you think you've done think he's done that.

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Speaker 2: And that was actually going to be my next question

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Speaker 2: link how does that work?

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Speaker 3: And did he have insurance?

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Speaker 2: In my financial advisor brain going straight back to Kay

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Speaker 2: what coverage did he have?

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Speaker 3: How did that work? And what did that mean?

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Speaker 2: So?

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Speaker 3: How old is your partner now?

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Speaker 4: So he is he turned thirty four last week.

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Speaker 3: And how has he recovered thus far?

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Speaker 4: So he spent once we got him back to Australia.

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Speaker 4: I think we got him back to Australia on the

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Speaker 4: sixth of September twenty nineteen. I flew with him on

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Speaker 4: a medevac to Perth. And then once we actually arrived,

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Speaker 4: he was staffed by the trauma team and he had

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Speaker 4: to undergo emergency surgery again, and then he spent another

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Speaker 4: week in the ICU in a croma and then after

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Speaker 4: that he was sort of transferred to a brain injury

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Speaker 4: ward for a week or two, and then he spent

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Speaker 4: four months in a rehabilitation facility where he learnt to

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Speaker 4: walk and talk and eat and all the rest of it.

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Speaker 2: Again, that is so traumatic for both of you, So

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Speaker 2: I guess I'd love that's such a special story and

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Speaker 2: I'm just in awe that you're so willing to share

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Speaker 2: this with you know, Tony and I, but also our

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Speaker 2: entire ses on the money community to learn from. Is

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Speaker 2: he himself now or what's his capability and capacity?

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Speaker 3: Like?

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Speaker 4: Yeah, so you know we've we've seen neurologists, neurosurgeons, neurocycs,

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Speaker 4: occupational therapist, anything you can think of, we have seen them.

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Speaker 4: So he is able to walk and talk, He spent

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Speaker 4: like he can be home alone during the day. But

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Speaker 4: he does have a severe memory impairment, so he has

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Speaker 4: short term memory well, and he has left side weakness

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Speaker 4: as well. So he it's like somebody who's had a stroke.

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Speaker 4: They sometimes was function in one side of fair body,

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Speaker 4: and it's quite similar for him. He did have a

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Speaker 4: stroke during one of his surgeries, but there was it

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Speaker 4: didn't do anything further, it's just the impact of the

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Speaker 4: brain injury means that he's got reduced dexterity in his

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Speaker 4: left hand. He is also now epileptic and he's hearing

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Speaker 4: in ted as well.

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Speaker 2: Oh my heart, that is such a hard story to

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Speaker 2: one go through, but also just to hear and go

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Speaker 2: you know what, that must be so traumatic.

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Speaker 3: How are you my friend.

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Speaker 4: I am actually okay. So it's been just over eighteen

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Speaker 4: months now to be two years in August, and you

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Speaker 4: don't really have any other option except to keep going.

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Speaker 4: You can't stop. So you know, we live together. I'm

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Speaker 4: his main support and so you can't stop. You just

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Speaker 4: nobody is going to do it for us, So we

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Speaker 4: need to do it for ourselves, and we've got to

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Speaker 4: keep going. So we have access to NDIS, which means

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Speaker 4: that he has a support team and they are absolutely incredible.

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Speaker 4: He now goes to the gym a couple of times

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Speaker 4: a week with a personal trainer. He volunteers with other

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Speaker 4: people with disabilities, and we're hoping that in the future

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Speaker 4: he can advocate for people that have been in his position.

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Speaker 4: But he still does have a bit of recovery to

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Speaker 4: go before we can sort of start looking at that.

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Speaker 3: Yeah. Wow, that is such a special story.

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Speaker 2: I'm just in awe and to be honest, I don't

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Speaker 2: know where to go next. But my financial advisor brain

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Speaker 2: is ticking over to personal insurances? Did he because he's young?

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Speaker 2: Personal insurance isn't something that a lot of young people

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Speaker 2: think they need. We always say things about situations like

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Speaker 2: Yoursbert it'll never happened to me, or you know, I

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Speaker 2: know a friend of a friend and that's really awful.

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Speaker 2: And then there's no real call to action. We don't

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Speaker 2: set it up. I know you said he didn't have

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Speaker 2: travel insurance, but did he have any like trauma or

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Speaker 2: TPD or other insurances he could have come back to,

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Speaker 2: like income protection.

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Speaker 4: Yeah, so he didn't have the travel insurance. It just

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Speaker 4: didn't pay. But he was a contractor and worked under

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Speaker 4: his own aben and I nagged and nagged about personal

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Speaker 4: accident and illness insurance and all those sorts of things,

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Speaker 4: and he just did not set it up. They they don't.

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Speaker 4: We are in the middle of launching a claim with

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Speaker 4: his super for a total permanent disability claim. Unfortunately, the

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Speaker 4: super company that he's with, and they're probably one of

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Speaker 4: the only ones that they pay out in installments over

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Speaker 4: a period of five to six years rather than in

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Speaker 4: a lump sum. So the only situation where they will

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Speaker 4: pay out in a lump sum is if you have

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Speaker 4: lost twenty five percent of your cognitive functions, or if

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Speaker 4: you've lost a limb or permanently blind, that sort of thing.

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Speaker 4: So we are hoping that we will be able to

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Speaker 4: get by on the loss of twenty five percent of

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Speaker 4: cognitive function because if they do the installments, you have

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Speaker 4: to go through and provide medical evidence and reports every

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Speaker 4: year before they'll make the next installment, which.

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Speaker 2: Is which is hard, right, and it's something that.

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Speaker 3: People hard and it's extensive. Yeah, and that is why.

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Speaker 2: And you know, back to my financial advisor hat, I'm

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Speaker 2: so sorry I keep bringing this up, but you know,

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Speaker 2: at the end of the day, this is a money

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Speaker 2: podcast and this is such a good learning for our

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Speaker 2: community that this is why it's so important and to

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Speaker 2: understand the terms and conditions of the policy that you

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Speaker 2: do take out. And a lot of the time, you know,

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Speaker 2: as an advisor, I will recommend a policy that's slightly

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Speaker 2: more expensive than the cheapest one. And the reason is

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Speaker 2: often the claims process is a lot smoother and it's

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Speaker 2: you know, better payout sums. Because at the time you

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Speaker 2: sign a policy, you just don't care. You like, whatever,

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Speaker 2: if it gets paid over a certain period of time,

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Speaker 2: it doesn't really matter. But if shit hit the fan,

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Speaker 2: like it has with you, like having a up sum

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Speaker 2: of money because you're currently in debt and actually need

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Speaker 2: it to pay for physio and pay for all of

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Speaker 2: the therapies he's having is essential, right, And it does

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Speaker 2: make a world of difference.

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Speaker 4: It does, and it prompted me. I was with the

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Speaker 4: same superannuation company and I actually changed mine last week

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Speaker 4: and I called and I made sure that they paid

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Speaker 4: out in month sums. Yeah, and I also made sure

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Speaker 4: that they had a smaller waiting period on their protection

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Speaker 4: perfection as well. And I change mine over because I

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Speaker 4: am our main income earner and I something, what's happened

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Speaker 4: to me that there's you know, there's nothing.

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Speaker 2: There's nothing. And that's what's so hard. It's not just

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00:19:15,840 --> 00:19:19,960
Speaker 2: the responsibility is on you. It's financially on you as well.

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Speaker 2: And that's a massive point of stress for a lot

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Speaker 2: of people.

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Speaker 1: It's human nature to just think that's not going to

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Speaker 1: happen to me. And that's why these things happen because

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Speaker 1: we just think that's not going to happen to me.

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Speaker 1: And you don't look into all these insurances, you don't

359
00:19:33,760 --> 00:19:36,640
Speaker 1: know how they're going to impact us, and yeah, those

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Speaker 1: kinds of things.

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Speaker 4: Yeah, that's right, and that was his attitude as well.

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Speaker 4: That's what nothing's just nothing about happens to me and

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Speaker 4: all the rest of it. And now I've seen the

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Speaker 4: worst that can happen, and I, yeah, that's not happening.

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Speaker 3: I can no, absolutely not.

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Speaker 2: And I think that it's so special that you're willing

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Speaker 2: to share this story with our community. But also, let

368
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Speaker 2: me just take a second to give some props to you,

369
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Speaker 2: Like you deserve it, You deserve it, But also like

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Speaker 2: how lucky is he to be so loved? Like so

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Speaker 2: many partners would you know, put that responsibility on their

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Speaker 2: parents or you know, their family members and it might

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Speaker 2: be too much. And I've seen it as someone who

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Speaker 2: goes through insurance claims and actually deals with.

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Speaker 3: This stuff a fair bit. It's shit.

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Speaker 2: Yeah, Like it's actually terrible.

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Speaker 4: It is and it does suck. And you know, situations

378
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Speaker 4: like this as well, you do really find out the

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Speaker 4: sort of people that you need in your life and

380
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Speaker 4: the people that you don't need. But there was never

381
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Speaker 4: a question of being there for him. It was it

382
00:20:42,680 --> 00:20:45,439
Speaker 4: was not something I thought about. It was it was

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Speaker 4: just something that I did.

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Speaker 1: There was Well, I've got a really insignificant question, but

385
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Speaker 1: are you guys still planning on getting married?

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Speaker 2: Yeah? Are you?

387
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Speaker 3: What does it need to look like?

388
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Speaker 4: So, yes, we don't still will get married. He is

389
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Speaker 4: absolutely on my back about it.

390
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Speaker 3: He's like, I've got to lock this woman down. She's

391
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Speaker 3: the best.

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Speaker 1: She does everything for me.

393
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Speaker 4: Yeah, so my wedding dress is still in the cupboard.

394
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Speaker 3: I hope we've seen it.

395
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Speaker 4: No, he hasn't. We've been engaged for It'll be six

396
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Speaker 4: years in July, so it's yeah, it's been a really

397
00:21:29,640 --> 00:21:34,159
Speaker 4: really long time. But he wants time. Happy to go

398
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Speaker 4: to the courthouse and sign the papers and whatnot, but

399
00:21:38,200 --> 00:21:42,359
Speaker 4: he wants a wedding. He wants he does he does

400
00:21:42,400 --> 00:21:44,840
Speaker 4: a characters in the backyard or if it's a fancy one,

401
00:21:44,960 --> 00:21:46,040
Speaker 4: and he just wants a party.

402
00:21:46,200 --> 00:21:48,240
Speaker 1: But I mean it sounds like he just really wants

403
00:21:48,280 --> 00:21:51,879
Speaker 1: to celebrate you. And that is so so special to

404
00:21:51,960 --> 00:21:56,080
Speaker 1: have someone that you obviously love him so much, you know,

405
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Speaker 1: and he feels the same way about you.

406
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Speaker 4: Yeah, he is so sweet and he is so kind

407
00:22:01,800 --> 00:22:05,600
Speaker 4: and he appreciates everything. Oh.

408
00:22:05,760 --> 00:22:06,840
Speaker 3: I just love love.

409
00:22:07,040 --> 00:22:09,479
Speaker 2: I love when people we love and they're just caring

410
00:22:09,520 --> 00:22:13,040
Speaker 2: and look after each other. And yeah, it's it's crazy.

411
00:22:13,119 --> 00:22:15,359
Speaker 2: So what does the future look like for you guys?

412
00:22:15,359 --> 00:22:20,280
Speaker 2: Obviously we want to get married and then what what next?

413
00:22:20,440 --> 00:22:25,240
Speaker 4: So we yeah, definitely do want to get married. He

414
00:22:25,280 --> 00:22:31,520
Speaker 4: definitely wants to start having children yesterday. I love that.

415
00:22:31,600 --> 00:22:35,560
Speaker 4: I hear about it every day because he's getting a

416
00:22:35,560 --> 00:22:39,000
Speaker 4: little bit. He's a few years older than me, so

417
00:22:39,080 --> 00:22:40,800
Speaker 4: hem he's like, I don't want to be forty and

418
00:22:40,840 --> 00:22:43,199
Speaker 4: have a one year old and all the rest of it.

419
00:22:43,280 --> 00:22:46,000
Speaker 4: So that's definitely something that he wants to do. But

420
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Speaker 4: I'm very, very career driven.

421
00:22:49,800 --> 00:22:52,720
Speaker 2: Yeah, and there would be an always possibility as well

422
00:22:52,800 --> 00:22:55,880
Speaker 2: on you to you know, be a care for him

423
00:22:55,920 --> 00:22:58,480
Speaker 2: as well as be a care for those children. And

424
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Speaker 2: I think that that's a really big step to take,

425
00:23:00,480 --> 00:23:02,440
Speaker 2: but an exciting one all the same.

426
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Speaker 4: Yeah. Yeah, So I'm the last one left of my

427
00:23:07,000 --> 00:23:09,160
Speaker 4: siblings to have a.

428
00:23:09,160 --> 00:23:11,200
Speaker 3: Child, so it's a little.

429
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Speaker 4: Bit of younger than me, and she's already started.

430
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Speaker 3: I know, Well, she can just prop that up. Then

431
00:23:17,560 --> 00:23:19,920
Speaker 3: you can share, you can share, you can just be

432
00:23:20,000 --> 00:23:20,760
Speaker 3: the cool aunt.

433
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Speaker 4: That's what I thought. And I have a dog, so, oh.

434
00:23:24,040 --> 00:23:26,080
Speaker 2: My god, that's a child. That's a fair child.

435
00:23:27,200 --> 00:23:28,200
Speaker 4: Yeah, she's a baby.

436
00:23:28,280 --> 00:23:31,639
Speaker 1: So it's really nice that he hasn't lost his like

437
00:23:31,760 --> 00:23:34,240
Speaker 1: lust for life. He sounds like a really happy person.

438
00:23:34,920 --> 00:23:37,840
Speaker 1: Sounds like you guys make each other really really happy,

439
00:23:38,359 --> 00:23:41,119
Speaker 1: and that even though you've gone through, you know, a

440
00:23:41,280 --> 00:23:45,240
Speaker 1: really crazy life, even you've been together for ten years,

441
00:23:45,240 --> 00:23:47,920
Speaker 1: you've been through all of these ups and downs, that

442
00:23:47,960 --> 00:23:50,240
Speaker 1: you still share the same goals and he's happy to

443
00:23:50,280 --> 00:23:53,120
Speaker 1: trust you with your finances and you know, you run

444
00:23:53,200 --> 00:23:55,560
Speaker 1: all of that stuff. It's just sounds like you've got

445
00:23:55,600 --> 00:23:58,680
Speaker 1: a really, really incredible relationship and I kind of feel

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Speaker 1: like we're part of it.

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Speaker 2: I'm so grateful for it.

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00:24:03,000 --> 00:24:05,640
Speaker 1: A little peaking to your life, it's like so special.

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Speaker 2: Yeah, thank you so much for sharing this story. Yeah,

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00:24:11,359 --> 00:24:14,440
Speaker 2: it's so it's so great to learn about everybody's diverse

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00:24:14,560 --> 00:24:17,199
Speaker 2: experiences and what they've been through. But also, you know,

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00:24:17,240 --> 00:24:18,640
Speaker 2: this is kind of a little bit of a call

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00:24:18,680 --> 00:24:20,880
Speaker 2: to action to make sure that your insurances are set

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00:24:20,960 --> 00:24:24,000
Speaker 2: up properly, and you actually do understand what that claims

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00:24:24,040 --> 00:24:27,160
Speaker 2: process looks like, because at the end of the day,

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00:24:27,680 --> 00:24:30,000
Speaker 2: that if it had been set up properly, would have

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00:24:30,080 --> 00:24:32,040
Speaker 2: taken a lot of that pressure off.

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Speaker 3: Yeah, a lot of.

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00:24:32,640 --> 00:24:35,960
Speaker 2: Pressure off the situation that is already so stressful.

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00:24:36,680 --> 00:24:41,960
Speaker 1: Yeah, well, it can happen, you know, you know, these

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00:24:41,960 --> 00:24:43,960
Speaker 1: things can happen to anyone, you know.

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Speaker 2: Yeah, well, thank you so much for joining us today,

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00:24:47,280 --> 00:24:48,160
Speaker 2: Money Diarist.

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Speaker 3: I think that's all you have done for today.

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00:24:51,880 --> 00:24:54,400
Speaker 4: Thank you very much, no thanks, And.

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Speaker 2: As always, just before we head off, we'd like to

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00:24:57,000 --> 00:25:00,280
Speaker 2: acknowledge and pay respect to Australia's Aboriginal and Torres Straight

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00:25:00,320 --> 00:25:03,800
Speaker 2: island of peoples. They're the traditional custodians of the lands,

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00:25:03,840 --> 00:25:07,360
Speaker 2: the waterways and the skies all across Australia. Well, thank

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00:25:07,400 --> 00:25:09,240
Speaker 2: you for sharing and for caring for the land on

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00:25:09,280 --> 00:25:11,600
Speaker 2: which we are able to learn. We pay our respects

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00:25:11,640 --> 00:25:14,320
Speaker 2: to elders past and present, and we share our friendship

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Speaker 2: and our kindness.

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Speaker 1: The advice shared on She's on the Money is general

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00:25:18,359 --> 00:25:22,160
Speaker 1: in nature and does not consider your individual circumstances. She's

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00:25:22,240 --> 00:25:25,440
Speaker 1: on the Money exists purely for educational purposes and should

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00:25:25,480 --> 00:25:28,520
Speaker 1: not be relied upon to make an investment or financial decision.

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00:25:29,080 --> 00:25:32,760
Speaker 1: And we promise Victoria Devine is an authorized representative of

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00:25:32,800 --> 00:25:37,240
Speaker 1: Australia Pacific Funds Management Proprietary Limited ABN three four one

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00:25:37,280 --> 00:25:40,600
Speaker 1: three two four six three two five seven AFSL three

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00:25:40,720 --> 00:25:42,240
Speaker 1: three nine one five one.

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00:25:42,280 --> 00:25:44,680
Speaker 2: And if you haven't had enough of us, which arguably

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00:25:44,720 --> 00:25:46,360
Speaker 2: we've had enough of us, you can.

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00:25:46,240 --> 00:25:47,960
Speaker 3: Also find us on Instagram.

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00:25:48,040 --> 00:25:50,280
Speaker 2: You can find us on Facebook, and we hang out

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00:25:50,280 --> 00:25:53,800
Speaker 2: on TikTok where it's She's on the Money AUS. We'll

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00:25:53,800 --> 00:26:00,280
Speaker 2: see you next week for another money dary friends. Bye,