1
00:00:02,040 --> 00:00:04,600
Speaker 1: Just before we head into today's episode, we'd like to

2
00:00:04,720 --> 00:00:08,160
Speaker 1: acknowledge and pay respect to Australia's Aboriginal and Torres Strait

3
00:00:08,200 --> 00:00:11,840
Speaker 1: Islander peoples. They're the traditional custodians of the lands, the

4
00:00:11,880 --> 00:00:15,440
Speaker 1: waterways and the skies all across Australia. We thank you

5
00:00:15,520 --> 00:00:17,599
Speaker 1: for sharing and for caring for the land on which

6
00:00:17,640 --> 00:00:20,480
Speaker 1: we are able to learn. We pay respects to elders

7
00:00:20,520 --> 00:00:23,640
Speaker 1: past and present, and we share our friendship and our kindness.

8
00:00:23,960 --> 00:00:43,200
Speaker 2: She's on the Money, She's on the Money.

9
00:00:47,080 --> 00:00:50,080
Speaker 3: Hello, and welcome to She's on the Money, the podcast

10
00:00:50,159 --> 00:00:53,880
Speaker 3: Millennials who want Financial Freedom. Welcome back to another shot

11
00:00:53,960 --> 00:00:56,360
Speaker 3: back Money Diary Monday, where we get to chat to

12
00:00:56,360 --> 00:00:59,080
Speaker 3: one of our community members, learn about them, their story,

13
00:00:59,200 --> 00:01:03,320
Speaker 3: their journey and all of the challenging bits in between. Victoria,

14
00:01:03,440 --> 00:01:06,640
Speaker 3: as always, I'm giving you hello this week, I have

15
00:01:06,680 --> 00:01:07,360
Speaker 3: a really good one.

16
00:01:07,520 --> 00:01:10,800
Speaker 1: Oh that's shocking. I can't believe you've got another good

17
00:01:10,840 --> 00:01:12,160
Speaker 1: podcast for us, Jess.

18
00:01:12,200 --> 00:01:14,480
Speaker 3: I know, it's almost like there's millions of amazing stories

19
00:01:14,520 --> 00:01:16,600
Speaker 3: and we have not enough times don't hear them all.

20
00:01:16,640 --> 00:01:18,679
Speaker 3: But it's a little short and sweet teaser, so I'm

21
00:01:18,720 --> 00:01:22,280
Speaker 3: excited to learn a little more our diarist says, a

22
00:01:22,360 --> 00:01:25,240
Speaker 3: year ago, I was in hospital, just trying to survive.

23
00:01:25,680 --> 00:01:28,520
Speaker 3: Now I'm earning six figures and planning to fire. This

24
00:01:28,680 --> 00:01:29,560
Speaker 3: is my money story.

25
00:01:29,760 --> 00:01:33,920
Speaker 1: Oh my gosh, from hospital to six figures. Oh I

26
00:01:33,959 --> 00:01:37,039
Speaker 1: did this and that. I have to know more. That's

27
00:01:37,160 --> 00:01:40,319
Speaker 1: a they sent in. That's it. So we didn't get

28
00:01:40,319 --> 00:01:42,520
Speaker 1: anything else. No, like, oh I did this and that.

29
00:01:42,880 --> 00:01:45,679
Speaker 3: Okay, cool, I'm really excited to learn about them. A

30
00:01:45,720 --> 00:01:48,520
Speaker 3: little content warning before we get into it, though, We're

31
00:01:48,560 --> 00:01:52,880
Speaker 3: going to be chatting about mental health, specifically around eating disorders.

32
00:01:53,000 --> 00:01:55,240
Speaker 3: If that's something that's a little bit challenging for you

33
00:01:55,400 --> 00:01:57,960
Speaker 3: right now, give this episode a miss because we're going

34
00:01:58,040 --> 00:01:58,800
Speaker 3: to dive into it.

35
00:01:58,960 --> 00:02:01,840
Speaker 1: I have so many quest gents, money darist. As always,

36
00:02:02,040 --> 00:02:05,080
Speaker 1: you're hanging in the wings. Welcome to the show. We

37
00:02:05,160 --> 00:02:06,560
Speaker 1: are so excited to have you.

38
00:02:07,160 --> 00:02:09,440
Speaker 4: Thank you so much. I'm so excited to be here.

39
00:02:09,960 --> 00:02:12,760
Speaker 1: Oh my gosh, so are we. Mainly because I hate

40
00:02:12,800 --> 00:02:15,120
Speaker 1: it when people don't give me enough information and I'm like,

41
00:02:15,360 --> 00:02:18,200
Speaker 1: excuse me, you can't just drop that and walk away.

42
00:02:18,520 --> 00:02:20,760
Speaker 4: I knew I knew it would be something like that.

43
00:02:21,080 --> 00:02:23,320
Speaker 5: I think when I purposely wrote it, I was like Ooh,

44
00:02:23,320 --> 00:02:25,120
Speaker 5: I wonder what they'll think. Haha.

45
00:02:25,240 --> 00:02:28,000
Speaker 1: It's like she's gone fishing for us, Jess, and it works.

46
00:02:28,080 --> 00:02:30,520
Speaker 3: It absolutely worked. You got me full client and sinker.

47
00:02:31,960 --> 00:02:35,239
Speaker 1: QUI love it. Let's get into it though. First question

48
00:02:35,400 --> 00:02:38,680
Speaker 1: as always money darist, Can you tell us a little

49
00:02:38,720 --> 00:02:40,080
Speaker 1: bit about your money story?

50
00:02:40,520 --> 00:02:45,840
Speaker 5: Okay, So growing up I was never good with money.

51
00:02:46,440 --> 00:02:49,000
Speaker 5: I kind of had parents on the opposite end of

52
00:02:49,000 --> 00:02:51,320
Speaker 5: the spectrum. So I had a father who did really

53
00:02:51,360 --> 00:02:53,560
Speaker 5: well and worked really hard for his money, and we

54
00:02:53,639 --> 00:02:55,960
Speaker 5: never had to kind of worry about anything.

55
00:02:56,000 --> 00:02:56,440
Speaker 4: Growing up.

56
00:02:56,480 --> 00:03:00,000
Speaker 5: We weren't like extremely privileged, but we were very comfortab

57
00:03:00,280 --> 00:03:03,800
Speaker 5: probably more than comfortable. However, when I was in high school,

58
00:03:04,000 --> 00:03:07,200
Speaker 5: my parents divorced and my mom was always very bad

59
00:03:07,200 --> 00:03:11,000
Speaker 5: with money and she never worked, so she provided for

60
00:03:11,080 --> 00:03:14,200
Speaker 5: us as a family, and so when they divorced, it

61
00:03:14,360 --> 00:03:16,560
Speaker 5: was a couple year long divorce and there was a

62
00:03:16,560 --> 00:03:18,280
Speaker 5: lot of fighting about money. My dad had a lot

63
00:03:18,320 --> 00:03:22,959
Speaker 5: of investment properties, so there was always that like mixed

64
00:03:23,480 --> 00:03:25,160
Speaker 5: kind of view on money. My dad was always like,

65
00:03:25,160 --> 00:03:27,240
Speaker 5: if property, save your money, do this, and he was

66
00:03:27,440 --> 00:03:30,359
Speaker 5: very very frugal. My dad could live with nothing, but

67
00:03:30,400 --> 00:03:34,200
Speaker 5: my mom loved to shop and it's just they were

68
00:03:34,280 --> 00:03:37,200
Speaker 5: just completely different. So I actually really loved to shop,

69
00:03:37,280 --> 00:03:39,800
Speaker 5: and I kind of saw that, well, take money while

70
00:03:39,800 --> 00:03:42,760
Speaker 5: you have it and have fun. And I never truly

71
00:03:43,000 --> 00:03:46,000
Speaker 5: adopted my dad's kind of view on money.

72
00:03:46,560 --> 00:03:48,680
Speaker 1: I didn't listen to my day growing up either. And

73
00:03:48,720 --> 00:03:51,040
Speaker 1: he was an accountant and like so good with it,

74
00:03:51,080 --> 00:03:53,200
Speaker 1: and he used to be like, Victoria, you need to

75
00:03:53,240 --> 00:03:56,200
Speaker 1: do AB and C. And I'd be like, I'm not listening.

76
00:03:58,960 --> 00:04:01,520
Speaker 5: Yeah. I feel like that's very very common with our

77
00:04:01,520 --> 00:04:04,120
Speaker 5: parents growing up, that we never truly listened, even though

78
00:04:04,200 --> 00:04:05,920
Speaker 5: we know that they're probably really right.

79
00:04:06,880 --> 00:04:10,880
Speaker 1: What would they and their financial security know about money, honestly?

80
00:04:11,400 --> 00:04:18,120
Speaker 4: Right, exactly? And growing up I never really had consistent jobs.

81
00:04:18,120 --> 00:04:20,599
Speaker 5: I've actually when I went to UNI, I went on

82
00:04:20,680 --> 00:04:23,640
Speaker 5: exchange for a year and then I came back and

83
00:04:23,640 --> 00:04:26,080
Speaker 5: then I went back overseas and worked for the Walt

84
00:04:26,120 --> 00:04:26,839
Speaker 5: Disney Company.

85
00:04:27,120 --> 00:04:30,800
Speaker 1: Oh what, how cool is that you worked for Disney?

86
00:04:31,200 --> 00:04:32,760
Speaker 4: Yeah? Yeah, what did you do?

87
00:04:32,880 --> 00:04:34,400
Speaker 1: Is that too pervy? Would that give it away?

88
00:04:34,560 --> 00:04:34,720
Speaker 3: Oh?

89
00:04:34,760 --> 00:04:35,039
Speaker 5: No?

90
00:04:35,040 --> 00:04:35,200
Speaker 2: No?

91
00:04:35,240 --> 00:04:38,240
Speaker 5: So I worked actually in Animal Kingdom, So I worked

92
00:04:38,240 --> 00:04:41,040
Speaker 5: in the parks. They have an international kind of college program,

93
00:04:41,080 --> 00:04:42,719
Speaker 5: exchange kind of situation.

94
00:04:43,320 --> 00:04:45,480
Speaker 4: So I worked in Animal Kingdom.

95
00:04:45,480 --> 00:04:48,000
Speaker 5: Well, I also worked all around other parks because you

96
00:04:48,000 --> 00:04:50,800
Speaker 5: can actually pick up shifts. But I worked in merchandise

97
00:04:51,480 --> 00:04:53,080
Speaker 5: at the parks and that was really fun.

98
00:04:53,040 --> 00:04:53,479
Speaker 4: For a year.

99
00:04:53,760 --> 00:04:55,160
Speaker 1: Oh my gosh, how cool.

100
00:04:55,520 --> 00:04:58,200
Speaker 4: Yeah, So basically I never had consistent income.

101
00:04:58,279 --> 00:05:01,640
Speaker 5: I never like I was moving overseason coming back, and

102
00:05:01,680 --> 00:05:03,400
Speaker 5: then I was just trying to get settled.

103
00:05:03,080 --> 00:05:04,400
Speaker 4: To get whatever job I could.

104
00:05:05,080 --> 00:05:08,000
Speaker 5: My very first full time job was I think like

105
00:05:08,080 --> 00:05:12,440
Speaker 5: forty four thousand, and I stayed with that for a

106
00:05:12,520 --> 00:05:14,839
Speaker 5: year and I can go more to it later, but

107
00:05:15,720 --> 00:05:18,479
Speaker 5: my health during that time wasn't the best and that

108
00:05:18,600 --> 00:05:21,960
Speaker 5: led me to go part time. And essentially until now,

109
00:05:22,080 --> 00:05:25,480
Speaker 5: I've never had a full time job. I've never saved.

110
00:05:25,520 --> 00:05:28,760
Speaker 5: I've always just you know, spent what I could. Yeah,

111
00:05:28,839 --> 00:05:31,360
Speaker 5: I haven't really bothered to save apart from when I

112
00:05:31,400 --> 00:05:34,080
Speaker 5: was in that one full time job where I actually

113
00:05:34,160 --> 00:05:36,839
Speaker 5: ended up saving around twenty two thousand dollars.

114
00:05:37,200 --> 00:05:40,960
Speaker 1: What I haven't ever bothered saving or just saved a

115
00:05:41,000 --> 00:05:44,400
Speaker 1: capsule twenty two kdus all right, no problems.

116
00:05:46,120 --> 00:05:47,800
Speaker 5: That was the only time I saved, and it was

117
00:05:47,839 --> 00:05:50,239
Speaker 5: because I didn't know how long I could do this job.

118
00:05:50,760 --> 00:05:53,560
Speaker 5: So it was kind of that like get through mentality

119
00:05:53,640 --> 00:05:55,680
Speaker 5: just you need to have some kind of saving buffer,

120
00:05:55,760 --> 00:05:58,599
Speaker 5: and then I spent all that savings when I wasn't

121
00:05:58,600 --> 00:06:01,000
Speaker 5: working fair.

122
00:06:00,800 --> 00:06:02,839
Speaker 1: All right, money direst I want to know more about

123
00:06:02,839 --> 00:06:05,359
Speaker 1: this six figure job. What do you do for work?

124
00:06:05,440 --> 00:06:06,680
Speaker 1: How much money do you earn?

125
00:06:07,520 --> 00:06:07,640
Speaker 2: So?

126
00:06:08,360 --> 00:06:13,120
Speaker 5: I am an independent support worker working with one family.

127
00:06:13,200 --> 00:06:18,200
Speaker 5: In particular, I work with a kind of high needs

128
00:06:18,240 --> 00:06:21,040
Speaker 5: eleven year old boy with complex disability, so he has

129
00:06:21,040 --> 00:06:23,240
Speaker 5: one on one care basically twenty four seven.

130
00:06:23,560 --> 00:06:26,680
Speaker 1: As a special human You are thank you.

131
00:06:27,400 --> 00:06:29,719
Speaker 5: It is hard work, but honestly, I'm pretty privileged to

132
00:06:29,720 --> 00:06:32,080
Speaker 5: be able to be a part of his story and

133
00:06:32,160 --> 00:06:33,400
Speaker 5: help his family, and.

134
00:06:34,120 --> 00:06:38,239
Speaker 3: It's rewarding, amazing. And what when you say six figures

135
00:06:38,320 --> 00:06:40,280
Speaker 3: to be really noisy, what does that mean?

136
00:06:40,360 --> 00:06:41,240
Speaker 1: I know exactly.

137
00:06:41,320 --> 00:06:46,680
Speaker 5: Yeah, yeah, so it will be depending on how if

138
00:06:46,720 --> 00:06:50,440
Speaker 5: I produce more hours, but it'll be between one twenty

139
00:06:50,520 --> 00:06:50,920
Speaker 5: and one.

140
00:06:50,880 --> 00:06:52,200
Speaker 4: Thirty k okay.

141
00:06:52,240 --> 00:06:54,440
Speaker 1: So I want to know the specifics of this as well.

142
00:06:54,520 --> 00:06:57,320
Speaker 1: When you say you're a support worker for an eleven

143
00:06:57,400 --> 00:07:00,440
Speaker 1: year old, that's a super special job. But yeah, how

144
00:07:00,480 --> 00:07:01,400
Speaker 1: do you get paid?

145
00:07:01,480 --> 00:07:01,520
Speaker 3: So?

146
00:07:01,600 --> 00:07:03,880
Speaker 1: Are you paid by that family? Are you paid by

147
00:07:03,880 --> 00:07:04,599
Speaker 1: an agency?

148
00:07:04,680 --> 00:07:04,760
Speaker 3: Like?

149
00:07:04,839 --> 00:07:07,159
Speaker 1: How does that work? How does this family get you

150
00:07:07,240 --> 00:07:08,360
Speaker 1: as a part of their team.

151
00:07:08,680 --> 00:07:13,560
Speaker 5: Yeah, so essentially the family found me through my previous job.

152
00:07:14,320 --> 00:07:17,880
Speaker 5: I actually worked as a professional organizer and I came

153
00:07:18,120 --> 00:07:22,840
Speaker 5: to help unpack their house and she realized that I

154
00:07:22,880 --> 00:07:25,280
Speaker 5: had a background in behavioral science and I'm a current

155
00:07:25,400 --> 00:07:30,040
Speaker 5: nursing student, and she was really interested in that as

156
00:07:30,040 --> 00:07:32,080
Speaker 5: well as she was really impressed by my work ethic,

157
00:07:32,440 --> 00:07:34,800
Speaker 5: and she asked if I would spend some time with

158
00:07:34,800 --> 00:07:37,840
Speaker 5: her son, and then she offered me the job through

159
00:07:37,840 --> 00:07:42,440
Speaker 5: that way. But essentially, I'm paid through the NDIA. I'm independent,

160
00:07:42,520 --> 00:07:44,760
Speaker 5: so I have an ABN. I'm a soul trader.

161
00:07:45,120 --> 00:07:49,000
Speaker 1: Very cool. I love that story because everybody phones support

162
00:07:49,040 --> 00:07:52,320
Speaker 1: workers in different ways, or like maybe they advertised or

163
00:07:52,360 --> 00:07:54,880
Speaker 1: maybe you actually work for an agency. So I'm always

164
00:07:54,880 --> 00:07:56,560
Speaker 1: a bit pervy when it comes to stuff like that

165
00:07:56,640 --> 00:07:59,640
Speaker 1: because everybody in this industry seems to have such a

166
00:07:59,680 --> 00:08:03,200
Speaker 1: different journey. But then also if you're not privy to

167
00:08:03,240 --> 00:08:06,080
Speaker 1: that industry, you have no idea how these things come

168
00:08:06,120 --> 00:08:09,600
Speaker 1: to fruition, and it's such a special industry. Anyway, I

169
00:08:09,600 --> 00:08:11,480
Speaker 1: won't go on about that because we have to keep

170
00:08:11,520 --> 00:08:14,480
Speaker 1: on with these questions money direst I want to know

171
00:08:14,720 --> 00:08:16,559
Speaker 1: what is your big money goal.

172
00:08:17,000 --> 00:08:21,120
Speaker 5: Okay, so obviously my big money goal is to retire early.

173
00:08:21,960 --> 00:08:25,840
Speaker 1: Oh yeah, I mean you did dangle the lure of

174
00:08:26,040 --> 00:08:29,320
Speaker 1: and I'm working towards fire in your email. And for

175
00:08:29,400 --> 00:08:32,520
Speaker 1: those of you who don't know, fire is financial independence

176
00:08:32,600 --> 00:08:34,000
Speaker 1: retire early? Is that not?

177
00:08:34,720 --> 00:08:34,960
Speaker 4: Yes?

178
00:08:35,679 --> 00:08:37,480
Speaker 1: And how is that going to work for you? My friend?

179
00:08:37,960 --> 00:08:43,040
Speaker 5: So basically, what I'll be using is investing in shares,

180
00:08:43,240 --> 00:08:47,559
Speaker 5: mainly exchange traded funds to basically get some passive income

181
00:08:47,600 --> 00:08:50,000
Speaker 5: working for me. So that way I don't actually have

182
00:08:50,120 --> 00:08:52,760
Speaker 5: to depend on full time work, and I mean I

183
00:08:52,760 --> 00:08:55,079
Speaker 5: don't have to retire, but it gives me that flexibility.

184
00:08:55,160 --> 00:08:58,280
Speaker 5: And I've always loved the idea of having that financial

185
00:08:58,280 --> 00:09:00,480
Speaker 5: freedom and having the choice to make whatever decision I

186
00:09:00,520 --> 00:09:00,880
Speaker 5: wanted to.

187
00:09:01,280 --> 00:09:03,760
Speaker 1: I'm obsessed with you. I love this and I love

188
00:09:03,800 --> 00:09:06,040
Speaker 1: your mindset. When I talk to a lot of people

189
00:09:06,120 --> 00:09:08,800
Speaker 1: about retirement, I think that they make this assumption that

190
00:09:08,840 --> 00:09:11,560
Speaker 1: retirement means that you no longer work and that you

191
00:09:11,600 --> 00:09:13,880
Speaker 1: take up golf and maybe you're really good at gardening.

192
00:09:14,120 --> 00:09:17,360
Speaker 1: But the reality of the situation is actually it means

193
00:09:17,400 --> 00:09:20,440
Speaker 1: you're completely financially independent and you can do whatever you want,

194
00:09:20,640 --> 00:09:22,520
Speaker 1: like if you want to keep working part time, or

195
00:09:22,800 --> 00:09:25,040
Speaker 1: go and do some volunteer work, or just keep on

196
00:09:25,160 --> 00:09:28,000
Speaker 1: keeping on, knowing that you could quit your job any

197
00:09:28,080 --> 00:09:31,160
Speaker 1: day you like, because you don't rely on that income. Like,

198
00:09:31,280 --> 00:09:35,600
Speaker 1: that's what financial independence is. That's what I guess retirement means,

199
00:09:35,640 --> 00:09:38,360
Speaker 1: because I think we really need to change this perception

200
00:09:38,440 --> 00:09:41,240
Speaker 1: that retirement's in age. It's not. It's a number. The

201
00:09:41,280 --> 00:09:43,840
Speaker 1: second you have that number in your bank account, or

202
00:09:43,840 --> 00:09:45,880
Speaker 1: in your investments, or in the way that you are

203
00:09:45,960 --> 00:09:48,280
Speaker 1: running your life, you're actually going to have so much

204
00:09:48,280 --> 00:09:50,720
Speaker 1: more financial freedom. And I think that there's just this

205
00:09:50,760 --> 00:09:58,720
Speaker 1: misconception retirement sixty five. Right. So the next question I

206
00:09:58,760 --> 00:10:03,959
Speaker 1: think you answered before because you said ETFs. But my friend,

207
00:10:04,040 --> 00:10:06,680
Speaker 1: do you have any investments and if so, what are they? Please?

208
00:10:06,880 --> 00:10:07,720
Speaker 1: Juicy details?

209
00:10:07,760 --> 00:10:11,800
Speaker 5: Okay, So it's funny because I feel bad in saying that.

210
00:10:11,840 --> 00:10:16,360
Speaker 5: But I haven't technically started investing yet.

211
00:10:17,080 --> 00:10:17,440
Speaker 4: Okay.

212
00:10:17,960 --> 00:10:21,360
Speaker 5: A part of that is because I started this job

213
00:10:22,080 --> 00:10:23,679
Speaker 5: around a month.

214
00:10:23,360 --> 00:10:24,080
Speaker 4: And a week ago.

215
00:10:24,480 --> 00:10:29,120
Speaker 1: So oh my gosh, congratulations.

216
00:10:27,920 --> 00:10:28,800
Speaker 4: Yeah, thank you.

217
00:10:30,000 --> 00:10:33,360
Speaker 5: So I will make my first investment next week, and

218
00:10:33,640 --> 00:10:37,920
Speaker 5: at the moment, I think I do love Vanguard, so

219
00:10:37,960 --> 00:10:40,680
Speaker 5: I'll be sticking with one of those ETFs. Probably they're

220
00:10:40,760 --> 00:10:44,440
Speaker 5: diversified the high growth option, just because that's a great

221
00:10:44,480 --> 00:10:47,680
Speaker 5: way to be automatically diversified straight off the bat, and

222
00:10:47,720 --> 00:10:50,520
Speaker 5: then obviously further on I can go a little bit

223
00:10:50,559 --> 00:10:52,400
Speaker 5: more niche if i'd lack, but I'd love to have

224
00:10:52,520 --> 00:10:54,120
Speaker 5: that diversification straight off the bat.

225
00:10:54,240 --> 00:10:56,480
Speaker 1: I love that and the fact that so many people

226
00:10:56,480 --> 00:10:58,320
Speaker 1: that are going to be listening to this money daring.

227
00:10:58,679 --> 00:11:01,200
Speaker 1: Oh of course she already in and you're like, no, no, no,

228
00:11:01,280 --> 00:11:04,200
Speaker 1: like this is the plan. How did you start learning

229
00:11:04,200 --> 00:11:06,800
Speaker 1: about that? I mean you've mentioned Vanguard, which is a

230
00:11:06,920 --> 00:11:10,600
Speaker 1: very common ETF provider here in Australia. Where did you

231
00:11:10,640 --> 00:11:13,000
Speaker 1: learn about Vanguard? How did you start that journey?

232
00:11:13,320 --> 00:11:19,160
Speaker 5: So it's funny, it started probably four years ago when

233
00:11:19,160 --> 00:11:22,320
Speaker 5: I actually got my first full time job that I

234
00:11:22,360 --> 00:11:23,920
Speaker 5: was on that forty four k salary.

235
00:11:24,480 --> 00:11:26,920
Speaker 4: I read The Barefoot Investor, which.

236
00:11:27,320 --> 00:11:32,600
Speaker 5: As we all do, I do, and I've known a

237
00:11:32,640 --> 00:11:35,000
Speaker 5: little bit about it before. But I always thought stocks

238
00:11:35,000 --> 00:11:37,120
Speaker 5: to be very risky and you have to have so

239
00:11:37,200 --> 00:11:39,080
Speaker 5: much knowledge, and you have to be a banker, and

240
00:11:39,240 --> 00:11:43,040
Speaker 5: like you have to be this old man and know

241
00:11:43,120 --> 00:11:46,320
Speaker 5: everything there is to do about investing. But I read

242
00:11:46,360 --> 00:11:49,160
Speaker 5: that and that kind of got me excited and started

243
00:11:49,160 --> 00:11:53,200
Speaker 5: to learn about personal finance. And then since then, I've

244
00:11:53,240 --> 00:11:56,400
Speaker 5: basically just been consuming everything. I watch a lot of

245
00:11:56,440 --> 00:12:01,360
Speaker 5: YouTube videos about investing, obviously, podcasts, you guys. I've read

246
00:12:01,440 --> 00:12:05,800
Speaker 5: quite a few books, so I love like specifically fire books.

247
00:12:06,240 --> 00:12:08,760
Speaker 4: There's some great ones out there, and I'm.

248
00:12:08,520 --> 00:12:11,600
Speaker 5: Just always reading about it like I love it so much,

249
00:12:11,760 --> 00:12:14,760
Speaker 5: Like I would love to just like do that as

250
00:12:14,800 --> 00:12:16,880
Speaker 5: my full time job, be like a finfluencer.

251
00:12:16,960 --> 00:12:17,720
Speaker 4: If you've heard of.

252
00:12:17,600 --> 00:12:19,080
Speaker 1: That, I have.

253
00:12:19,320 --> 00:12:23,400
Speaker 5: Surprisingly, Yeah, I consume just a lot of stuff online.

254
00:12:23,440 --> 00:12:25,839
Speaker 4: I actually created personal finance Instagram.

255
00:12:25,960 --> 00:12:27,960
Speaker 1: Oh my god, can you please send it to me?

256
00:12:28,080 --> 00:12:29,679
Speaker 1: I'm going to follow you? Do I already follow you.

257
00:12:29,720 --> 00:12:30,520
Speaker 1: I don't know what it is.

258
00:12:31,480 --> 00:12:33,920
Speaker 5: No, you probably don't follow me. It's not that big.

259
00:12:34,040 --> 00:12:36,600
Speaker 5: I just started getting back into it. But it's saving

260
00:12:36,960 --> 00:12:39,160
Speaker 5: with Jess, but instead of with it's just a W

261
00:12:39,360 --> 00:12:40,600
Speaker 5: so saving w Yes.

262
00:12:40,960 --> 00:12:43,520
Speaker 1: Oh my god. I want everyone to go and follow

263
00:12:43,559 --> 00:12:46,320
Speaker 1: you because you sound so sweet and your journey is

264
00:12:46,360 --> 00:12:49,720
Speaker 1: just starting and I feel like that's so relatable. But

265
00:12:50,160 --> 00:12:52,520
Speaker 1: next question, let's move on. I feel like this is

266
00:12:52,559 --> 00:12:54,360
Speaker 1: going to be a no because you haven't mentioned it

267
00:12:54,400 --> 00:12:57,040
Speaker 1: thus far, but you never know, my friend. Do you

268
00:12:57,200 --> 00:12:58,319
Speaker 1: have any debts?

269
00:12:58,720 --> 00:13:01,720
Speaker 5: No, so ironly have Well, technically I have my HEX

270
00:13:02,440 --> 00:13:05,120
Speaker 5: which technically it's forty one thousand.

271
00:13:05,600 --> 00:13:07,760
Speaker 1: Oh my gosh. So tell me a little bit about

272
00:13:07,800 --> 00:13:08,560
Speaker 1: what you studied.

273
00:13:08,800 --> 00:13:12,079
Speaker 5: So I have a degree in behavioral science, so psychology,

274
00:13:12,760 --> 00:13:14,920
Speaker 5: and essentially the reason why my hex stat is so

275
00:13:15,040 --> 00:13:17,360
Speaker 5: high there is because I took an exchange here and

276
00:13:17,400 --> 00:13:19,360
Speaker 5: we were able to get a loan as well, so

277
00:13:19,400 --> 00:13:21,959
Speaker 5: that's why my debt is a little bit higher. And

278
00:13:22,160 --> 00:13:24,560
Speaker 5: also I'm a current nursing student, so I'm about to

279
00:13:24,559 --> 00:13:27,480
Speaker 5: start my second semester of a graduate entry program, so

280
00:13:27,679 --> 00:13:28,560
Speaker 5: it's two years.

281
00:13:28,720 --> 00:13:30,880
Speaker 1: Oh my god. So you're just an all around cool

282
00:13:31,000 --> 00:13:33,640
Speaker 1: human doing cool things and smashing it out of the park.

283
00:13:33,720 --> 00:13:34,400
Speaker 1: I love this.

284
00:13:34,920 --> 00:13:35,600
Speaker 4: You're so nice.

285
00:13:36,960 --> 00:13:40,320
Speaker 1: Just keep talking, all right, sorry, Like you're also really pretty,

286
00:13:40,480 --> 00:13:41,760
Speaker 1: and I think you're really nice.

287
00:13:41,800 --> 00:13:42,120
Speaker 3: What else?

288
00:13:42,160 --> 00:13:43,880
Speaker 1: What else can we say, Jess, If you've got any

289
00:13:43,960 --> 00:13:47,000
Speaker 1: like really nice things to throw in there? Very smart

290
00:13:47,320 --> 00:13:52,040
Speaker 1: of course, yeah, obviously, yep, honest kind all of those things.

291
00:13:52,320 --> 00:13:54,960
Speaker 1: But let's get into the next question, because I feel

292
00:13:55,000 --> 00:13:57,200
Speaker 1: like this is one of our favorites because there's always

293
00:13:57,240 --> 00:14:01,360
Speaker 1: a really colorful response money Dires, Do you use shot back?

294
00:14:01,840 --> 00:14:04,040
Speaker 4: So, yes, I have you shot back.

295
00:14:05,120 --> 00:14:09,360
Speaker 5: So my very first shot back was me switching over

296
00:14:09,480 --> 00:14:11,559
Speaker 5: my phone plan. I actually saved a bunch of money.

297
00:14:11,640 --> 00:14:14,400
Speaker 5: I was on a contract and I switched to a

298
00:14:14,400 --> 00:14:16,960
Speaker 5: different provider and I actually got my first month free

299
00:14:17,000 --> 00:14:18,160
Speaker 5: and I loved it.

300
00:14:18,320 --> 00:14:18,720
Speaker 4: Yeah.

301
00:14:18,840 --> 00:14:20,480
Speaker 1: I didn't even know you could get phone plans on

302
00:14:20,520 --> 00:14:21,080
Speaker 1: shop pack.

303
00:14:21,120 --> 00:14:21,320
Speaker 3: Here.

304
00:14:21,400 --> 00:14:23,480
Speaker 1: I am being like, oh my gosh, you just buy

305
00:14:23,560 --> 00:14:25,240
Speaker 1: stuff on there and you're like, no, no, like the

306
00:14:25,320 --> 00:14:26,520
Speaker 1: phone plans through there.

307
00:14:27,400 --> 00:14:31,040
Speaker 5: Yeah, it was through a little provider called Circles Life,

308
00:14:31,120 --> 00:14:34,320
Speaker 5: and it was great. It was such a good deal

309
00:14:34,360 --> 00:14:37,280
Speaker 5: compared to my previous phone Dylan. Actually I posted it

310
00:14:37,320 --> 00:14:39,360
Speaker 5: on the Facebook group I think, yeah, and it got

311
00:14:39,400 --> 00:14:40,000
Speaker 5: a bit of traction.

312
00:14:40,120 --> 00:14:43,000
Speaker 1: I think, oh my gosh, how cool. I didn't even

313
00:14:43,040 --> 00:14:45,560
Speaker 1: know you could do phone plans through shot back. And

314
00:14:45,600 --> 00:14:48,040
Speaker 1: we literally work with them and I find out something

315
00:14:48,120 --> 00:14:50,080
Speaker 1: new about them every week when we speak to your

316
00:14:50,120 --> 00:14:52,720
Speaker 1: money I's someone was like how though, Like, how does

317
00:14:52,760 --> 00:14:55,240
Speaker 1: that work? It's genius. I feel like everybody can save

318
00:14:55,320 --> 00:14:57,960
Speaker 1: money on things that they're already spending money on, Like

319
00:14:58,080 --> 00:15:00,720
Speaker 1: it's not even a hey, go and pay this and

320
00:15:00,760 --> 00:15:02,600
Speaker 1: then you get a discount. It's like you were going

321
00:15:02,680 --> 00:15:05,040
Speaker 1: to change your PHWN plan anyway, you got a better

322
00:15:05,080 --> 00:15:09,680
Speaker 1: deal and you got money back money in anyway. Sounds

323
00:15:09,680 --> 00:15:12,160
Speaker 1: like you've got some pretty good money habits. Money darist,

324
00:15:12,320 --> 00:15:14,440
Speaker 1: what are your best money habits?

325
00:15:15,080 --> 00:15:18,920
Speaker 5: I think my best money habit is that I'm just

326
00:15:19,800 --> 00:15:23,640
Speaker 5: very personally interested in personal finance and my own money,

327
00:15:23,680 --> 00:15:26,600
Speaker 5: and that I'm always looking to learn new things. And

328
00:15:26,800 --> 00:15:29,480
Speaker 5: you know what do people do investing in? You know

329
00:15:29,680 --> 00:15:32,680
Speaker 5: what a ways to save money. I'm just I think

330
00:15:32,720 --> 00:15:35,360
Speaker 5: my knowledge is my best kind of money habit. Like

331
00:15:35,440 --> 00:15:38,480
Speaker 5: I just realized how privileged I am to know as

332
00:15:38,560 --> 00:15:40,480
Speaker 5: much as I do and have the background that I

333
00:15:40,560 --> 00:15:42,880
Speaker 5: do to be able to, you know, make the best

334
00:15:42,880 --> 00:15:44,200
Speaker 5: money choices for myself.

335
00:15:44,240 --> 00:15:48,280
Speaker 1: That's a really sweet money habit. I really like that.

336
00:15:48,280 --> 00:15:51,720
Speaker 1: That's really kind. But to flip this and bring down

337
00:15:51,760 --> 00:15:54,720
Speaker 1: the mood again, what is your worst money habit?

338
00:15:55,280 --> 00:15:57,520
Speaker 5: So I feel like my worst money habit is that

339
00:15:57,560 --> 00:16:01,680
Speaker 5: I can be quiet impulsive in my purchases.

340
00:16:02,200 --> 00:16:05,440
Speaker 4: So I'm a lot better at it now.

341
00:16:05,640 --> 00:16:07,680
Speaker 5: Okay I say better, but a lot better than I

342
00:16:07,680 --> 00:16:11,920
Speaker 5: have been previously. But if I get really interested in something,

343
00:16:12,000 --> 00:16:14,160
Speaker 5: then I'm very much inclined to just go out and

344
00:16:14,160 --> 00:16:16,760
Speaker 5: buy like a bunch of things like hobbies, for example.

345
00:16:18,440 --> 00:16:20,240
Speaker 5: I'll just go out and buy everything that I need

346
00:16:20,280 --> 00:16:22,920
Speaker 5: for that hobby, and then like a month later, you

347
00:16:22,960 --> 00:16:24,680
Speaker 5: know that hobby doesn't exist, doesn't That.

348
00:16:28,160 --> 00:16:31,920
Speaker 1: Happens to me all the time. All the time was

349
00:16:32,080 --> 00:16:34,240
Speaker 1: I'm going to get really good at this. I'm a genius,

350
00:16:34,320 --> 00:16:36,440
Speaker 1: and then like next week someone's like, are you still

351
00:16:36,520 --> 00:16:40,640
Speaker 1: doing that? And I'm like, no, that's not happening anymore.

352
00:16:40,800 --> 00:16:42,120
Speaker 4: It's like, don't ask me please.

353
00:16:42,360 --> 00:16:46,680
Speaker 1: Yeah, but I needed all of the stuff for it, right.

354
00:16:48,160 --> 00:16:50,800
Speaker 4: Everything, Yeah, always, all right.

355
00:16:50,960 --> 00:16:52,600
Speaker 1: I have a lot of questions for you, but we

356
00:16:52,640 --> 00:16:54,440
Speaker 1: do have to ask one more question before we go

357
00:16:54,480 --> 00:16:57,600
Speaker 1: to a quick break, and that question is money. Grist.

358
00:16:57,680 --> 00:17:00,000
Speaker 1: If we forced you to give your money habits a great,

359
00:17:00,360 --> 00:17:01,760
Speaker 1: what would you grade yourself.

360
00:17:02,880 --> 00:17:07,280
Speaker 4: I was thinking about this and I was really wondering

361
00:17:07,320 --> 00:17:07,800
Speaker 4: what to say.

362
00:17:09,080 --> 00:17:15,320
Speaker 5: I feel like, maybe I want to say be minus.

363
00:17:15,400 --> 00:17:17,119
Speaker 1: You can say B minus, but you're gonna have to

364
00:17:17,160 --> 00:17:17,840
Speaker 1: tell me why.

365
00:17:19,480 --> 00:17:23,960
Speaker 5: So I feel like I'm gonna say B minus because

366
00:17:25,680 --> 00:17:28,240
Speaker 5: I have really good foundations and I have the knowledge,

367
00:17:28,720 --> 00:17:31,399
Speaker 5: but I haven't been the best at implementing it in

368
00:17:31,440 --> 00:17:31,919
Speaker 5: the past.

369
00:17:32,480 --> 00:17:33,600
Speaker 4: Well, yes and no.

370
00:17:33,680 --> 00:17:36,919
Speaker 5: I have been able to save and you know, do

371
00:17:37,000 --> 00:17:39,119
Speaker 5: some good things in the past, but I haven't really

372
00:17:39,920 --> 00:17:42,320
Speaker 5: really buckled down and started it. Like I've known about

373
00:17:42,320 --> 00:17:44,800
Speaker 5: investing since I was twenty, and you know, I've had

374
00:17:44,880 --> 00:17:48,560
Speaker 5: five years like that compound interest is killing me. So

375
00:17:48,840 --> 00:17:50,560
Speaker 5: I want to give myself a B minus because I've

376
00:17:50,560 --> 00:17:53,240
Speaker 5: wasted a couple of years of you know, not really

377
00:17:53,320 --> 00:17:56,880
Speaker 5: knuckling down and taking advantage of the time in the market.

378
00:17:57,040 --> 00:18:00,119
Speaker 1: I would not call that time wasted. I would say

379
00:18:00,119 --> 00:18:02,439
Speaker 1: that you were using that time to get comfortable with

380
00:18:02,480 --> 00:18:05,800
Speaker 1: the idea of investing and educating yourself and being on

381
00:18:05,840 --> 00:18:07,439
Speaker 1: that journey. And I think a lot of us are

382
00:18:07,480 --> 00:18:10,240
Speaker 1: on that journey because we get messages from the Sheese

383
00:18:10,240 --> 00:18:12,600
Speaker 1: on the Money community and we've existed what es for

384
00:18:12,680 --> 00:18:15,560
Speaker 1: like four years now, which is crazy to think about.

385
00:18:15,880 --> 00:18:17,840
Speaker 1: We get messages from people They're like, I've been in

386
00:18:17,880 --> 00:18:20,480
Speaker 1: your Facebook group from the very beginning and I've been

387
00:18:20,640 --> 00:18:23,119
Speaker 1: hearing you telling me that investing is important, that I

388
00:18:23,119 --> 00:18:26,120
Speaker 1: need to prioritize it, but I haven't started it. Why

389
00:18:26,119 --> 00:18:28,280
Speaker 1: am I so silly? And it's like you're not, like

390
00:18:28,320 --> 00:18:30,280
Speaker 1: you're on that journey. And if you didn't spend that

391
00:18:30,440 --> 00:18:33,719
Speaker 1: time getting comfortable with that idea and you just jumped

392
00:18:33,760 --> 00:18:36,400
Speaker 1: into it at the very beginning, I guarantee you would

393
00:18:36,440 --> 00:18:38,439
Speaker 1: have made a decision that doesn't sit well with you,

394
00:18:38,560 --> 00:18:41,040
Speaker 1: and you might have been like, oh, like this makes

395
00:18:41,080 --> 00:18:43,080
Speaker 1: me feel uncomfortable. I don't want to engage in it

396
00:18:43,119 --> 00:18:45,600
Speaker 1: in the long term. And the plan is to not

397
00:18:45,680 --> 00:18:47,960
Speaker 1: have just engaged with it over the last few years,

398
00:18:47,960 --> 00:18:50,199
Speaker 1: my friend, It is to engage with it for the

399
00:18:50,240 --> 00:18:53,240
Speaker 1: rest of your life. So if that's how long that took,

400
00:18:53,280 --> 00:18:55,840
Speaker 1: that's cool, that's all right, because we've got literally the

401
00:18:55,880 --> 00:18:57,840
Speaker 1: rest of your life. And look how much compound interest

402
00:18:57,880 --> 00:18:59,919
Speaker 1: you're going to get out of that. Like, let's focus

403
00:18:59,920 --> 00:19:01,840
Speaker 1: on that side of it, and the fact that you

404
00:19:01,880 --> 00:19:04,000
Speaker 1: already know where you're going to invest, what you're going

405
00:19:04,040 --> 00:19:06,160
Speaker 1: to invest in, and how you're going to allocate your cash,

406
00:19:06,200 --> 00:19:09,479
Speaker 1: like you are miles, like millions of miles ahead of

407
00:19:09,560 --> 00:19:10,439
Speaker 1: so many people.

408
00:19:11,040 --> 00:19:12,840
Speaker 4: That's nice to hear. Thank you.

409
00:19:13,960 --> 00:19:15,600
Speaker 3: All Right, We're going to go to a quick break

410
00:19:15,640 --> 00:19:17,320
Speaker 3: and then when we come back, we have a lot

411
00:19:17,359 --> 00:19:19,800
Speaker 3: of questions because you baited us and you got us.

412
00:19:19,680 --> 00:19:22,879
Speaker 1: Good you did, and I'm mad about it, and I

413
00:19:22,920 --> 00:19:25,880
Speaker 1: feel like I still haven't got the juicy details. Don't

414
00:19:25,880 --> 00:19:29,560
Speaker 1: go anywhere, all right, we are back Money Diarist. We

415
00:19:29,600 --> 00:19:32,600
Speaker 1: are jumping straight into it. No structured questions here, there

416
00:19:32,640 --> 00:19:36,000
Speaker 1: are no rules. In the After the Break Money Diaries segment,

417
00:19:36,560 --> 00:19:39,320
Speaker 1: you said that you had been in hospital and now

418
00:19:39,359 --> 00:19:41,920
Speaker 1: you are on six figures. Can you explain to us

419
00:19:42,240 --> 00:19:44,840
Speaker 1: why you were in hospital and what that meant and

420
00:19:44,880 --> 00:19:46,040
Speaker 1: how that impacted you.

421
00:19:46,400 --> 00:19:46,600
Speaker 3: Yes.

422
00:19:46,880 --> 00:19:53,200
Speaker 5: So, essentially, throughout my life, I was always very physically healthy,

423
00:19:53,760 --> 00:19:58,480
Speaker 5: but I really struggle with my mental health and it

424
00:19:58,640 --> 00:20:01,320
Speaker 5: essentially it was just always in the background.

425
00:20:01,400 --> 00:20:02,400
Speaker 4: I just pushed through.

426
00:20:02,240 --> 00:20:06,399
Speaker 5: It, just kind of felt like, this is what it is, like,

427
00:20:06,880 --> 00:20:07,320
Speaker 5: who cares.

428
00:20:07,359 --> 00:20:08,440
Speaker 4: I'm just going to get on with my life.

429
00:20:08,440 --> 00:20:10,800
Speaker 5: That's what everyone has to do, right, And I just

430
00:20:10,880 --> 00:20:14,119
Speaker 5: always pushed it aside until about four years ago, where

431
00:20:14,200 --> 00:20:16,240
Speaker 5: I really noticed how much of a toll it was

432
00:20:16,240 --> 00:20:19,000
Speaker 5: taking on me. I worked in quite a high pressure job.

433
00:20:19,359 --> 00:20:21,480
Speaker 5: I worked for the Department of Human Services and we

434
00:20:21,520 --> 00:20:24,119
Speaker 5: dealt with a lot of people in vulnerable situations and

435
00:20:24,160 --> 00:20:26,919
Speaker 5: that took its toll on my mental health. And essentially

436
00:20:26,920 --> 00:20:29,399
Speaker 5: that's when I cut down to part time because it

437
00:20:29,640 --> 00:20:32,040
Speaker 5: like going into work every day. It was so hard,

438
00:20:32,480 --> 00:20:34,640
Speaker 5: and I was okay for a while. Obviously my mental

439
00:20:34,680 --> 00:20:37,520
Speaker 5: health was still suffering, but I just got on with

440
00:20:37,600 --> 00:20:40,719
Speaker 5: my life. But about a year and a half two

441
00:20:40,800 --> 00:20:44,480
Speaker 5: years ago, it really took a turn and I ended

442
00:20:44,560 --> 00:20:48,280
Speaker 5: up being caught in a really restrictive eating disorder, and

443
00:20:48,720 --> 00:20:52,280
Speaker 5: that landed me in hospital for a couple of months

444
00:20:53,280 --> 00:20:56,880
Speaker 5: as I was so physically unwell as well as obviously

445
00:20:57,000 --> 00:21:01,160
Speaker 5: very mentally unwell. And yeah, it just took me out

446
00:21:01,200 --> 00:21:03,159
Speaker 5: of the game for quite a few months there. I

447
00:21:03,200 --> 00:21:06,240
Speaker 5: went through a couple of different programs and hospitals, and

448
00:21:06,359 --> 00:21:09,160
Speaker 5: I'm glad to say that I'm doing so much better now.

449
00:21:09,800 --> 00:21:13,199
Speaker 5: It's hard when you're in the middle of you know,

450
00:21:13,240 --> 00:21:17,080
Speaker 5: your lowest. And like, I consider myself to be a

451
00:21:17,200 --> 00:21:19,200
Speaker 5: very smart like a very smart person.

452
00:21:19,200 --> 00:21:22,200
Speaker 4: I have a behavioral science background. I have knowledge.

453
00:21:22,240 --> 00:21:24,840
Speaker 5: But and I thought that kind of protected me, and

454
00:21:25,240 --> 00:21:27,560
Speaker 5: it really didn't. I thought I still had control, but

455
00:21:28,119 --> 00:21:29,640
Speaker 5: I was like, oh, I can do whatever I want.

456
00:21:29,680 --> 00:21:30,639
Speaker 5: I can turn it off whenever.

457
00:21:30,720 --> 00:21:31,160
Speaker 4: It's fine.

458
00:21:31,280 --> 00:21:34,320
Speaker 1: I'm smart enough, right, Like, yeah, and intelligent. I've got

459
00:21:34,359 --> 00:21:36,520
Speaker 1: a degree, I did really well in school. What do

460
00:21:36,560 --> 00:21:38,640
Speaker 1: you mean, No, I'm not struggling with this. I could

461
00:21:38,680 --> 00:21:39,840
Speaker 1: just change if I wanted to.

462
00:21:40,400 --> 00:21:44,199
Speaker 5: Yeah, exactly. I honestly, at my lowest, I thought I

463
00:21:44,320 --> 00:21:46,639
Speaker 5: was fine. I was like, well, yes, I know, like

464
00:21:46,720 --> 00:21:48,680
Speaker 5: my body has changed physically and there's so many things

465
00:21:48,720 --> 00:21:51,439
Speaker 5: that have changed in my routine. But I was like

466
00:21:51,480 --> 00:21:54,919
Speaker 5: it's fine. Like I was losing weight. So people were

467
00:21:55,000 --> 00:21:57,720
Speaker 5: quite happy with that because I was always in a

468
00:21:57,840 --> 00:22:01,240
Speaker 5: very very large body and so people automatically see that

469
00:22:01,440 --> 00:22:04,600
Speaker 5: as wow, like what have you done? And people would

470
00:22:04,600 --> 00:22:07,680
Speaker 5: ask me for tips every day, and I just thought

471
00:22:07,760 --> 00:22:10,720
Speaker 5: I was the most like I'm like, I'm healthy.

472
00:22:10,400 --> 00:22:13,440
Speaker 1: Now, like inspirational, right, Yeah.

473
00:22:13,520 --> 00:22:15,720
Speaker 5: I was like, I'm so much healthy, Like I look

474
00:22:15,960 --> 00:22:17,840
Speaker 5: like a completely different person to people. They were like

475
00:22:17,960 --> 00:22:20,639
Speaker 5: that is the most amazing success stor I've ever seen. Like, no,

476
00:22:20,760 --> 00:22:25,119
Speaker 5: it's not, it's not, and like it just solidifies like

477
00:22:25,160 --> 00:22:27,199
Speaker 5: you really don't know what's going on with people, Like

478
00:22:27,320 --> 00:22:30,120
Speaker 5: we really shouldn't be commenting on people's bodies regardless.

479
00:22:30,760 --> 00:22:34,119
Speaker 1: Oh that resonates so much with me, Money Diarist, But

480
00:22:34,359 --> 00:22:36,919
Speaker 1: it resonates with me so much because that's what I

481
00:22:36,960 --> 00:22:39,240
Speaker 1: went through. Like I've been open about this on the

482
00:22:39,240 --> 00:22:41,560
Speaker 1: She's on the Money podcast before, but I suffered with that.

483
00:22:41,600 --> 00:22:45,120
Speaker 1: I have been hospitalized multiple times for an eating disorder.

484
00:22:45,560 --> 00:22:48,640
Speaker 1: It's not something that I am proud of, but I

485
00:22:48,720 --> 00:22:50,919
Speaker 1: also think it's something that I need to share with

486
00:22:50,960 --> 00:22:54,480
Speaker 1: our community because there is this massive misconception that eating

487
00:22:54,520 --> 00:22:58,440
Speaker 1: disorders are weak or they are you know, mainly about

488
00:22:58,480 --> 00:23:01,320
Speaker 1: what you look like, when in reality, for me, for

489
00:23:01,440 --> 00:23:04,879
Speaker 1: me personally and because eating disorders and their journeys are

490
00:23:04,880 --> 00:23:07,320
Speaker 1: always so different, for me, it was about control. Had

491
00:23:07,359 --> 00:23:10,919
Speaker 1: nothing to do with looking skinny. It had nothing to

492
00:23:11,040 --> 00:23:14,560
Speaker 1: do with not lacking food, and everything to do with

493
00:23:14,720 --> 00:23:16,639
Speaker 1: me trying to be in control of a situation that

494
00:23:16,680 --> 00:23:18,840
Speaker 1: I didn't feel with in control of. And that's a

495
00:23:18,880 --> 00:23:21,439
Speaker 1: mental health issue. It's not a food issue. It's a

496
00:23:21,440 --> 00:23:23,960
Speaker 1: mental health issue. And it makes me so happy to

497
00:23:24,040 --> 00:23:27,240
Speaker 1: hear the way you're reflecting on your journey because you've

498
00:23:27,240 --> 00:23:29,960
Speaker 1: got that help that you needed, and like, looking at

499
00:23:29,960 --> 00:23:32,359
Speaker 1: you today and obviously our listeners can't see you, but

500
00:23:32,400 --> 00:23:34,800
Speaker 1: like you're this bright, glowy human and we've just learned

501
00:23:34,800 --> 00:23:37,840
Speaker 1: so much about this impact that you're having on the world.

502
00:23:38,160 --> 00:23:40,320
Speaker 1: And I think people just make this grand assumption that

503
00:23:41,160 --> 00:23:44,800
Speaker 1: people who have eating disorders maybe aren't functional members of

504
00:23:44,840 --> 00:23:47,760
Speaker 1: society in a way, whereas they are usually people who

505
00:23:47,760 --> 00:23:50,520
Speaker 1: are contributing a whole heap and giving so much, and

506
00:23:50,560 --> 00:23:53,399
Speaker 1: that's what ends up taking away from themselves and away

507
00:23:53,400 --> 00:23:56,200
Speaker 1: from their own mental health. Is that something that you go,

508
00:23:56,440 --> 00:23:58,200
Speaker 1: oh my god, Yeah, that's exactly it.

509
00:23:58,680 --> 00:24:04,040
Speaker 5: Yeah, yeah, definitely. There's such horrible stigma around it, and

510
00:24:04,080 --> 00:24:07,040
Speaker 5: I think, you know, people in the community deserve better.

511
00:24:07,119 --> 00:24:09,679
Speaker 5: I think people need to understand just how hard it is.

512
00:24:09,720 --> 00:24:12,359
Speaker 5: And yeah, it is a mental health issue, and so

513
00:24:12,400 --> 00:24:14,679
Speaker 5: many people are struggling regardless of if you think you

514
00:24:14,720 --> 00:24:18,320
Speaker 5: can see it or not. Eating disorders aren't a physical

515
00:24:18,440 --> 00:24:20,520
Speaker 5: like you can't see it, They're a mental health issue.

516
00:24:20,560 --> 00:24:24,399
Speaker 3: Like you said, absolutely, I wanted to ask you how

517
00:24:24,440 --> 00:24:27,080
Speaker 3: you found yourself. So obviously you got your new role

518
00:24:27,240 --> 00:24:30,960
Speaker 3: in an unusual way. You've come through a really challenging

519
00:24:31,040 --> 00:24:34,080
Speaker 3: time with your health, which obviously takes a toll on

520
00:24:34,119 --> 00:24:37,199
Speaker 3: your life pretty holistically, and then you've stepped into this

521
00:24:37,320 --> 00:24:39,760
Speaker 3: role in a really unique way. A lot of the

522
00:24:39,800 --> 00:24:43,080
Speaker 3: time when we're applying for jobs, obviously there's a salary

523
00:24:43,119 --> 00:24:46,159
Speaker 3: guide or you interview with someone and they say, okay,

524
00:24:46,280 --> 00:24:49,760
Speaker 3: we've allocated X to X for this role, whereas it

525
00:24:49,800 --> 00:24:51,919
Speaker 3: sounds like the way that you kind of went about things,

526
00:24:52,160 --> 00:24:55,320
Speaker 3: that guide wasn't available to you. How did you have

527
00:24:55,359 --> 00:24:59,080
Speaker 3: that conversation with your now employer around money. Did you

528
00:24:59,160 --> 00:25:01,400
Speaker 3: have to do any research to yourself? Did they bring

529
00:25:01,440 --> 00:25:03,280
Speaker 3: it to the table, What did that look like?

530
00:25:04,280 --> 00:25:06,680
Speaker 5: So, Yeah, because I was kind of like poached from

531
00:25:06,720 --> 00:25:10,320
Speaker 5: my other job, I didn't have like a contract or

532
00:25:10,359 --> 00:25:12,320
Speaker 5: anything like that to just like look at in a

533
00:25:12,400 --> 00:25:16,560
Speaker 5: salary range, I basically spoke to the mother of the

534
00:25:16,600 --> 00:25:19,760
Speaker 5: family directly. She gave me a bit of a ballpark

535
00:25:19,800 --> 00:25:21,920
Speaker 5: once I did a couple shadow shifts with her son

536
00:25:23,560 --> 00:25:26,119
Speaker 5: and essentially said, this is how much I'd paid previous

537
00:25:26,160 --> 00:25:31,120
Speaker 5: support workers. I actually hadn't had previous experience in disability work,

538
00:25:31,480 --> 00:25:34,520
Speaker 5: so she gave me a certain figure. However, I actually

539
00:25:34,560 --> 00:25:36,400
Speaker 5: negotiated for the second time in.

540
00:25:36,320 --> 00:25:38,399
Speaker 4: My life, Yes, Queen.

541
00:25:39,480 --> 00:25:42,800
Speaker 5: The first time was actually two weeks before this, because

542
00:25:42,840 --> 00:25:46,959
Speaker 5: an agency actually wanted me for disability support without like,

543
00:25:47,359 --> 00:25:50,080
Speaker 5: without me ever really wanting to, like I never like

544
00:25:50,520 --> 00:25:53,040
Speaker 5: searched for the field. She kind of just said, hey, like,

545
00:25:53,080 --> 00:25:55,760
Speaker 5: I think you'd be really great for this, and so

546
00:25:55,800 --> 00:25:58,240
Speaker 5: I negotiated with her, and so after like I felt

547
00:25:58,240 --> 00:25:59,280
Speaker 5: it a little bit good about that.

548
00:26:00,040 --> 00:26:01,320
Speaker 4: I went to this lady.

549
00:26:01,200 --> 00:26:03,760
Speaker 5: And you know, I just I told her, this is

550
00:26:03,920 --> 00:26:06,199
Speaker 5: my skills, this is what I'm going to bring. I

551
00:26:06,200 --> 00:26:08,239
Speaker 5: think I'd be really good for your family. I'm going

552
00:26:08,320 --> 00:26:10,200
Speaker 5: to be doing long hours. I'm going to commit to

553
00:26:10,200 --> 00:26:13,640
Speaker 5: you long term. And so I negotiated my pay.

554
00:26:13,520 --> 00:26:14,200
Speaker 4: Up a little bit.

555
00:26:14,400 --> 00:26:16,960
Speaker 5: The pay was pretty good to start with, it would

556
00:26:17,000 --> 00:26:19,000
Speaker 5: have been around ninety to one hundred K.

557
00:26:18,960 --> 00:26:23,879
Speaker 1: But I negotiated congratulations. That takes some serious confidence. And

558
00:26:23,920 --> 00:26:26,359
Speaker 1: to have done it not once, but twice in a

559
00:26:26,480 --> 00:26:29,120
Speaker 1: very short period of time, you are someone who knows

560
00:26:29,160 --> 00:26:30,400
Speaker 1: their worth. I love this.

561
00:26:31,080 --> 00:26:34,399
Speaker 5: Yes, I was so nervous at first, and I remember

562
00:26:34,440 --> 00:26:37,800
Speaker 5: thinking to myself, you know, men wouldn't think twice about

563
00:26:37,840 --> 00:26:38,879
Speaker 5: asking for their worth?

564
00:26:39,280 --> 00:26:41,320
Speaker 4: No, they Why should I?

565
00:26:41,560 --> 00:26:45,679
Speaker 1: So we need to borrow some of their audacity, right like,

566
00:26:46,240 --> 00:26:50,240
Speaker 1: right exactly. My girlfriends and I, this is wildly inappropriate.

567
00:26:50,240 --> 00:26:52,040
Speaker 1: We're still going to put it on the podcast because

568
00:26:52,040 --> 00:26:54,080
Speaker 1: I think people will love. But my girlfriends and I

569
00:26:54,160 --> 00:26:57,440
Speaker 1: and Jessica RICI, you have heard this before. My girlfriends

570
00:26:57,440 --> 00:26:59,800
Speaker 1: and I always say when we're feeling a little bit

571
00:27:00,160 --> 00:27:02,760
Speaker 1: less confident, we're always like, what would a mediocre middle

572
00:27:02,800 --> 00:27:04,840
Speaker 1: aged white man do and then we just do that.

573
00:27:05,440 --> 00:27:08,720
Speaker 1: We do whatever they would do, and do you know what, Lucolia,

574
00:27:08,840 --> 00:27:10,520
Speaker 1: It's worked so far exactly.

575
00:27:10,600 --> 00:27:13,000
Speaker 4: Goodness. Yeah, that is pretty crazy.

576
00:27:13,720 --> 00:27:16,879
Speaker 3: How are you going in terms of balancing that with

577
00:27:17,000 --> 00:27:20,000
Speaker 3: being a student, Because you said you're studying nursing as well,

578
00:27:20,040 --> 00:27:23,480
Speaker 3: and you've just mentioned that, you know, it's long hours,

579
00:27:23,520 --> 00:27:26,520
Speaker 3: disability support work, particularly with a child who needs brown

580
00:27:26,600 --> 00:27:29,520
Speaker 3: the clock care, I imagine you're often maybe doing like

581
00:27:29,680 --> 00:27:33,320
Speaker 3: unusual shift times. How does that all balancing with your

582
00:27:33,359 --> 00:27:35,040
Speaker 3: study as well? It feels like you've just got so

583
00:27:35,200 --> 00:27:35,840
Speaker 3: much going on.

584
00:27:36,320 --> 00:27:39,160
Speaker 5: Yeah, So I was really lucky that the family had

585
00:27:39,200 --> 00:27:43,160
Speaker 5: previous experience with students before, and so she was really

586
00:27:43,200 --> 00:27:45,800
Speaker 5: happy to be flexible with my studies, which is amazing

587
00:27:45,840 --> 00:27:49,280
Speaker 5: and I'm so thankful for that. So I have two

588
00:27:49,400 --> 00:27:52,399
Speaker 5: days off a week, on Thursday and Fridays, and that

589
00:27:52,520 --> 00:27:56,120
Speaker 5: allows me on Thursdays usually to go to university, which

590
00:27:56,240 --> 00:27:59,120
Speaker 5: hasn't technically started yet because of floods.

591
00:27:58,800 --> 00:28:01,240
Speaker 4: In Prisone, but it will. Yeah. Essentially, I'll have the.

592
00:28:01,160 --> 00:28:03,679
Speaker 5: Thursday and Fridays off and I've fit all the classes

593
00:28:03,720 --> 00:28:06,040
Speaker 5: that I need to in person attend on a Thursday

594
00:28:06,880 --> 00:28:07,679
Speaker 5: very cool.

595
00:28:07,800 --> 00:28:10,080
Speaker 1: And another question I have that I feel like you're

596
00:28:10,080 --> 00:28:12,840
Speaker 1: going to have a priority on is your mental health.

597
00:28:13,040 --> 00:28:15,080
Speaker 1: How are you going to make sure that you don't

598
00:28:15,160 --> 00:28:18,040
Speaker 1: regress to where you were, Like that was obviously a

599
00:28:18,160 --> 00:28:21,439
Speaker 1: very pivotal part of your life that I'm absolutely certain

600
00:28:21,480 --> 00:28:24,000
Speaker 1: you didn't enjoy. But how are you going to make

601
00:28:24,040 --> 00:28:27,520
Speaker 1: sure that that doesn't become a reoccurring event, because from

602
00:28:27,520 --> 00:28:31,600
Speaker 1: my perspective, it's so easy to slip back into old behaviors.

603
00:28:31,880 --> 00:28:32,680
Speaker 4: Yeah.

604
00:28:32,760 --> 00:28:37,040
Speaker 5: So look, I'm really lucky because I have an amazing

605
00:28:37,080 --> 00:28:41,080
Speaker 5: sister who has really just she's been super supportive. A

606
00:28:41,160 --> 00:28:44,800
Speaker 5: big part of my eating disorder is it was obviously

607
00:28:45,520 --> 00:28:48,800
Speaker 5: really easy, and really it thrived a lot when I

608
00:28:48,840 --> 00:28:51,680
Speaker 5: lived alone, and now I don't. So that's something that

609
00:28:51,800 --> 00:28:53,800
Speaker 5: I realized I need to keep a part of my

610
00:28:53,880 --> 00:28:56,760
Speaker 5: life for a little while. But basically I've changed so

611
00:28:56,840 --> 00:29:00,520
Speaker 5: many habits now it's completely different. Like I make sure,

612
00:29:00,760 --> 00:29:02,680
Speaker 5: you know, do I need to do a meditation, I

613
00:29:02,720 --> 00:29:03,600
Speaker 5: try and incorporate that.

614
00:29:03,640 --> 00:29:05,840
Speaker 4: At night, I just go for walks. So hard of

615
00:29:05,840 --> 00:29:06,520
Speaker 4: my eating.

616
00:29:06,240 --> 00:29:08,520
Speaker 5: Disorder is that I had a really big problem with

617
00:29:08,720 --> 00:29:12,400
Speaker 5: over exercising, And now the way I look at exercise

618
00:29:12,480 --> 00:29:13,400
Speaker 5: is completely different.

619
00:29:13,680 --> 00:29:16,160
Speaker 4: Instead of doing exercises that I don't love to do,

620
00:29:16,720 --> 00:29:20,480
Speaker 4: I just like go for a walk, like I.

621
00:29:20,560 --> 00:29:23,880
Speaker 5: Make sure that I'm doing like exercise where I can

622
00:29:23,920 --> 00:29:25,640
Speaker 5: just relax on wine, like oh, go listen to your

623
00:29:25,680 --> 00:29:28,280
Speaker 5: podcast on a walk, And I make sure like every

624
00:29:28,400 --> 00:29:32,680
Speaker 5: day that I incorporate that and that essentially I take

625
00:29:32,720 --> 00:29:34,000
Speaker 5: that time to unwind after.

626
00:29:33,840 --> 00:29:36,040
Speaker 4: Each shift because it can be a really difficult job.

627
00:29:36,600 --> 00:29:40,040
Speaker 5: It is kind of emotionally taxing too, and especially when

628
00:29:40,080 --> 00:29:42,040
Speaker 5: you're dealing with high needs sometimes there's quite a few

629
00:29:42,040 --> 00:29:45,960
Speaker 5: behaviors that you just it takes its toll if you

630
00:29:46,040 --> 00:29:46,880
Speaker 5: aren't careful.

631
00:29:46,920 --> 00:29:48,800
Speaker 4: So the family is really great.

632
00:29:48,840 --> 00:29:51,600
Speaker 5: I can always debrief with the mother and just I

633
00:29:51,840 --> 00:29:52,960
Speaker 5: prioritize self care.

634
00:29:53,040 --> 00:29:54,160
Speaker 4: Before I really didn't.

635
00:29:54,560 --> 00:29:58,480
Speaker 5: I was very much go go go, and like just

636
00:29:58,640 --> 00:30:01,640
Speaker 5: get through it, like who cares. Today's a hard day,

637
00:30:02,400 --> 00:30:04,360
Speaker 5: Just do everything you need to do, and who cares.

638
00:30:04,400 --> 00:30:06,560
Speaker 4: Tomorrow's a new day. But I'll do it all over again.

639
00:30:06,920 --> 00:30:09,200
Speaker 5: So I just really take time for myself now and

640
00:30:09,280 --> 00:30:11,840
Speaker 5: actually do things that I love and enjoy.

641
00:30:12,600 --> 00:30:15,400
Speaker 1: For someone who's listening to this and going, oh my gosh,

642
00:30:15,440 --> 00:30:18,280
Speaker 1: this resonates so much, I just don't know what to

643
00:30:18,360 --> 00:30:21,160
Speaker 1: do about it, Like I'm so bad with my eating

644
00:30:21,160 --> 00:30:24,200
Speaker 1: habits or even just like negative habits that are not

645
00:30:24,400 --> 00:30:27,120
Speaker 1: helping you in any way, shape or form to thrive.

646
00:30:27,760 --> 00:30:30,520
Speaker 1: What would be your advice to help them? I guess

647
00:30:30,560 --> 00:30:33,520
Speaker 1: take the next steps to getting help. And how did

648
00:30:33,560 --> 00:30:35,280
Speaker 1: you do that? Because that's not easy?

649
00:30:36,000 --> 00:30:40,239
Speaker 5: Yeah, So look, basically, what was my detriment initially is

650
00:30:40,680 --> 00:30:42,680
Speaker 5: the thought that, well, I just have to push through this,

651
00:30:42,800 --> 00:30:45,320
Speaker 5: that's what everyone has to do, and I don't want

652
00:30:45,360 --> 00:30:47,600
Speaker 5: to get help because that would be admitting that I

653
00:30:47,680 --> 00:30:51,200
Speaker 5: actually am really suffering, and I don't.

654
00:30:51,400 --> 00:30:52,360
Speaker 4: I just don't want to do that.

655
00:30:52,800 --> 00:30:55,680
Speaker 5: My whole thing was I needed to portray this perfect

656
00:30:55,720 --> 00:30:59,280
Speaker 5: image and that like I just didn't want to break

657
00:30:59,280 --> 00:31:03,320
Speaker 5: that facade. So my advice to someone would just be like,

658
00:31:03,400 --> 00:31:07,080
Speaker 5: no matter how hard you think breaking that facade is

659
00:31:07,160 --> 00:31:11,000
Speaker 5: going to be, or how bad you think it's going

660
00:31:11,080 --> 00:31:14,520
Speaker 5: to be, when you do, it will never be as

661
00:31:14,560 --> 00:31:16,680
Speaker 5: bad as staying in your current habits.

662
00:31:17,800 --> 00:31:20,400
Speaker 4: Like you will thank yourself.

663
00:31:20,200 --> 00:31:22,760
Speaker 1: And you will and it's crazy and it breaks. Like

664
00:31:22,800 --> 00:31:26,400
Speaker 1: it's literally giving me goosebumps to think about this journey

665
00:31:26,440 --> 00:31:28,680
Speaker 1: and how hard it is for people, because it's just

666
00:31:28,800 --> 00:31:32,160
Speaker 1: it genuinely is so frigging hard. How did you do that?

667
00:31:32,480 --> 00:31:34,400
Speaker 1: How did you go? You know what, I need some help?

668
00:31:34,440 --> 00:31:36,400
Speaker 1: And what were your first steps? I know that that's

669
00:31:36,520 --> 00:31:38,680
Speaker 1: very personal, but I feel like it's such a helpful

670
00:31:38,720 --> 00:31:41,880
Speaker 1: piece of information because it's so we've all heard, like, oh,

671
00:31:41,920 --> 00:31:44,560
Speaker 1: prioritize yourself. You can't pour from an empty carp and

672
00:31:44,920 --> 00:31:46,680
Speaker 1: just get help. What does that mean? How did you

673
00:31:46,720 --> 00:31:48,479
Speaker 1: do it? Who did you speak to first? And what

674
00:31:48,560 --> 00:31:49,680
Speaker 1: did that journey look like?

675
00:31:49,920 --> 00:31:52,680
Speaker 5: Yeah, so look, it's kind of a long process. So

676
00:31:53,160 --> 00:31:56,800
Speaker 5: when my mental health started to go down, I engaged

677
00:31:56,840 --> 00:32:01,280
Speaker 5: a psychologist and I was actually working with a psychologist

678
00:32:01,320 --> 00:32:04,160
Speaker 5: for a year and a half throughout that process, and

679
00:32:04,880 --> 00:32:08,440
Speaker 5: like I was proactively trying to help myself, and I

680
00:32:08,560 --> 00:32:10,600
Speaker 5: just like I was engaging a psychologist, but I wasn't

681
00:32:10,600 --> 00:32:16,600
Speaker 5: really doing the work essentially, and so I really didn't

682
00:32:16,600 --> 00:32:20,560
Speaker 5: prioritize that. And technically, in the end, it wasn't my

683
00:32:20,720 --> 00:32:24,040
Speaker 5: decision to go into hospital and get help. It was

684
00:32:24,080 --> 00:32:25,880
Speaker 5: a decision that was placed upon me. And I was

685
00:32:25,960 --> 00:32:28,600
Speaker 5: under a Mental Health Act because I wasn't able to

686
00:32:28,640 --> 00:32:31,960
Speaker 5: make decisions in the state that I was, But I

687
00:32:32,280 --> 00:32:34,920
Speaker 5: was actually The funny thing is is, despite me not

688
00:32:34,960 --> 00:32:38,760
Speaker 5: wanting to accept that help initially, I actually was helping myself.

689
00:32:38,800 --> 00:32:41,520
Speaker 5: So I was actually listening to a lot of eating

690
00:32:41,600 --> 00:32:44,760
Speaker 5: disort of recovery podcasts at my lowest, which was really

691
00:32:45,520 --> 00:32:47,760
Speaker 5: kind of odd when you think about it, but I

692
00:32:47,800 --> 00:32:50,960
Speaker 5: think I realized how at my end I was and

693
00:32:51,360 --> 00:32:54,400
Speaker 5: how much I was struggling. So I actually did end

694
00:32:54,480 --> 00:32:57,000
Speaker 5: up speaking with my psychologist and I was listening to

695
00:32:57,040 --> 00:33:00,840
Speaker 5: those recovery podcasts, and I was ed ducating myself as

696
00:33:00,920 --> 00:33:04,840
Speaker 5: much as possible while I was in the depth of

697
00:33:04,880 --> 00:33:06,880
Speaker 5: my eating disorder. And even though I wasn't willing to

698
00:33:06,920 --> 00:33:10,200
Speaker 5: accept that help initially, if I didn't do all that

699
00:33:10,240 --> 00:33:14,800
Speaker 5: work beforehand, my recovery would have taken so much longer.

700
00:33:14,800 --> 00:33:16,600
Speaker 5: So I feel like I was in like kind of

701
00:33:17,440 --> 00:33:20,960
Speaker 5: I was accepting recovery and kind of open to thoughts

702
00:33:21,040 --> 00:33:23,400
Speaker 5: and stuff like that beforehand, and I think that really

703
00:33:23,440 --> 00:33:27,040
Speaker 5: helped me. Just recovery is quick. I'm not fully recovered,

704
00:33:27,040 --> 00:33:28,680
Speaker 5: and I don't think I don't know if I ever

705
00:33:28,720 --> 00:33:32,200
Speaker 5: will be, but I think I was really able to

706
00:33:32,280 --> 00:33:35,720
Speaker 5: kick start that recovery and spend less time in hospital

707
00:33:36,080 --> 00:33:37,600
Speaker 5: and more time getting on with my life.

708
00:33:37,680 --> 00:33:39,960
Speaker 4: Because throughout that whole process.

709
00:33:40,160 --> 00:33:44,640
Speaker 5: I was in hospital, but I was actually just getting

710
00:33:44,640 --> 00:33:46,920
Speaker 5: as much information as possible and trying to be kind

711
00:33:46,960 --> 00:33:51,360
Speaker 5: to myself and just giving myself that education so that way,

712
00:33:51,920 --> 00:33:53,640
Speaker 5: like I had the tools for when I knew, I

713
00:33:53,680 --> 00:33:54,760
Speaker 5: was ready to implement them.

714
00:33:54,920 --> 00:33:58,200
Speaker 1: Oh my gosh, you are you are special. I am

715
00:33:58,320 --> 00:34:01,200
Speaker 1: so glad that we get to share you with our community.

716
00:34:01,320 --> 00:34:03,520
Speaker 1: And I feel like so many people are going to

717
00:34:03,560 --> 00:34:06,200
Speaker 1: listen to this and go wow, Like that really resonates

718
00:34:06,240 --> 00:34:09,520
Speaker 1: with me. I was engaging with something, wasn't doing the work,

719
00:34:09,600 --> 00:34:13,160
Speaker 1: though doesn't necessarily mean it has to be about eating disorders.

720
00:34:13,160 --> 00:34:15,400
Speaker 1: It could just be in life. You're going through a

721
00:34:15,480 --> 00:34:18,160
Speaker 1: university degree, you're not really doing the work, you're turning

722
00:34:18,200 --> 00:34:20,440
Speaker 1: up to the lectures, you're not really listening, and you're

723
00:34:20,480 --> 00:34:22,600
Speaker 1: not absorbing it, so you're not going to be as

724
00:34:22,600 --> 00:34:24,959
Speaker 1: successful as you could be. And I think that there's

725
00:34:25,000 --> 00:34:28,120
Speaker 1: just so much to learn from that. And thank you

726
00:34:28,160 --> 00:34:30,719
Speaker 1: for sharing so much about your journey and being so

727
00:34:30,840 --> 00:34:33,080
Speaker 1: open about it, because the only way we can start,

728
00:34:33,280 --> 00:34:36,479
Speaker 1: you know, really breaking down these barriers of having these

729
00:34:36,520 --> 00:34:39,600
Speaker 1: conversations and ensuring that people are getting the help that

730
00:34:39,640 --> 00:34:43,080
Speaker 1: they deserve earlier is by having open honest conversation and

731
00:34:43,160 --> 00:34:45,680
Speaker 1: not making it a taboo topic where we're like, oh

732
00:34:45,680 --> 00:34:47,759
Speaker 1: my gosh, like Victoria's going through this thing. We had

733
00:34:47,760 --> 00:34:51,000
Speaker 1: no idea where, you know, historically past me could have

734
00:34:51,000 --> 00:34:53,279
Speaker 1: felt really comfortable to turn to a friend and being like, oh, Jess,

735
00:34:53,280 --> 00:34:55,360
Speaker 1: I'm actually really struggling with this. What do you reckon

736
00:34:55,400 --> 00:34:58,040
Speaker 1: I should do next? Because I never in a million

737
00:34:58,120 --> 00:35:00,799
Speaker 1: years would have done that. In fact, my money, Daris

738
00:35:00,880 --> 00:35:02,960
Speaker 1: got to the stage that you were in where decisions

739
00:35:02,960 --> 00:35:04,680
Speaker 1: were being made for me and I wasn't a part

740
00:35:04,719 --> 00:35:07,440
Speaker 1: of those decisions anymore, and that was in the best

741
00:35:07,480 --> 00:35:10,600
Speaker 1: interest of me. But you shouldn't have to get that

742
00:35:10,800 --> 00:35:13,640
Speaker 1: far before you can go you know what, Maybe I

743
00:35:13,680 --> 00:35:15,439
Speaker 1: do need to do some work.

744
00:35:15,600 --> 00:35:17,600
Speaker 5: Yeah, And I think I just want to mention like

745
00:35:18,320 --> 00:35:22,360
Speaker 5: a lot of people think that reaching out is like

746
00:35:22,440 --> 00:35:25,200
Speaker 5: the hardest thing to do and that people won't understand

747
00:35:25,280 --> 00:35:27,840
Speaker 5: or people think that they have this whole picture in

748
00:35:27,920 --> 00:35:30,240
Speaker 5: life together, and what would they think if you reached

749
00:35:30,280 --> 00:35:31,239
Speaker 5: out and told them that you.

750
00:35:31,200 --> 00:35:32,200
Speaker 4: Were actually struggling.

751
00:35:32,719 --> 00:35:36,799
Speaker 5: And people are much more accepting than you think, and

752
00:35:36,840 --> 00:35:39,560
Speaker 5: people are much more aware of what you're going through

753
00:35:39,560 --> 00:35:43,520
Speaker 5: than what you may think that they are. So I

754
00:35:43,560 --> 00:35:47,640
Speaker 5: think just reach out when you can, and I promise

755
00:35:47,680 --> 00:35:49,839
Speaker 5: you people are going to be a lot more understanding

756
00:35:49,880 --> 00:35:53,759
Speaker 5: and helpful then you. Basically, your mental health is trying

757
00:35:53,760 --> 00:35:56,120
Speaker 5: to make you believe and yeah.

758
00:35:55,880 --> 00:35:59,560
Speaker 1: That's so helpful. Well, unfortunately, I do think that is

759
00:35:59,600 --> 00:36:02,359
Speaker 1: all we have time for today. But thank you so

760
00:36:02,560 --> 00:36:05,080
Speaker 1: much for joining us. I am so grateful to learn

761
00:36:05,080 --> 00:36:07,080
Speaker 1: a little bit about your money story, a little bit

762
00:36:07,120 --> 00:36:09,640
Speaker 1: about your mental health and your journey and how much

763
00:36:09,680 --> 00:36:12,400
Speaker 1: you are giving to our world. And guys, don't forget this.

764
00:36:12,520 --> 00:36:16,960
Speaker 1: Money Diarist has let their anonymony if that's the right word, slip,

765
00:36:17,520 --> 00:36:20,080
Speaker 1: and they have shared their Instagram, So go follow our

766
00:36:20,120 --> 00:36:24,040
Speaker 1: money Diarist on Instagram. Her instagram is saving with Jess,

767
00:36:24,160 --> 00:36:26,040
Speaker 1: but the with is just a doub.

768
00:36:26,280 --> 00:36:28,600
Speaker 3: The advice shared on She's on the Money is generally

769
00:36:28,719 --> 00:36:32,080
Speaker 3: nature and does not consider your individual circumstances. She's on

770
00:36:32,120 --> 00:36:35,239
Speaker 3: the Money exists purely for educational purposes and should not

771
00:36:35,280 --> 00:36:38,200
Speaker 3: be relied upon to make an investment or a financial decision.

772
00:36:38,440 --> 00:36:41,600
Speaker 3: And we promise Victoria Divine is an authorized representative of

773
00:36:41,640 --> 00:36:45,920
Speaker 3: in Focused Securities Australia Proprietary Limited ABN four seven oh

774
00:36:46,000 --> 00:36:49,399
Speaker 3: nine seven seven ninety seven zero four nine AFSL two

775
00:36:49,440 --> 00:37:03,279
Speaker 3: three six five two three See you next week, guys. Bye,