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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money.

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Speaker 3: She's on the Money.

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Speaker 2: Hello, and welcome to She's on the mo the podcast

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Speaker 2: for millennials who want financial freedom. Today is Friday, my friends,

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Speaker 2: which means it is time to get our little team

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Speaker 2: together and celebrate you the incredible She's on the Money community. Today,

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Speaker 2: we're going to be sharing our favorite money wins. We're

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Speaker 2: going to be helping to answer a juicy money dilemma,

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Speaker 2: which this week is all about how to put money

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Speaker 2: aside for your children. And we're going to be unpacking

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Speaker 2: something that you guys slid into our DMS about, which

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Speaker 2: is who should be paying for contraception? Beck, how's your

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Speaker 2: week been so far?

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Speaker 4: So good?

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Speaker 2: It's because we've been talking about the spicy topic of

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Speaker 2: contraception and who should pay for it? Right, Yeah, it's

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Speaker 2: going to get real heated. I think I'm kind of scared.

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Speaker 2: Actually are you? Actually no, you're not, absolutely not.

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Speaker 4: Its goad of us, the ones.

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Speaker 2: Yeah, yeah, yes, you're terrifying. We're all got to get canceled.

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Speaker 2: We're be heroes. You know what Beck's going to say.

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Speaker 2: Beck's going to be like, be a same sex relationship.

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Speaker 2: You don't have to have contraception, that's the question.

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Speaker 5: I'm not even gay, you know, not even I don't

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Speaker 5: want to pay for contraception, does anybody?

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Speaker 2: Okay, so you just date women for that?

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Speaker 1: Yeah?

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Speaker 2: I love that.

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Speaker 4: And you know much money I've saved dollars so far? Zero?

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Speaker 5: You saved nothing, saved nothing. But you know, we'll go

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Speaker 5: back in time. I would have probably saved all of

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Speaker 5: that money.

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Speaker 2: You should have just started younger. Honestly, I want to

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Speaker 2: say to all the kids these days, because it is

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Speaker 2: a choice, and I should have chosen to do that earlier. Yeah, absolutely, absolutely,

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Speaker 2: All right, let's move on because I feel like that

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Speaker 2: is a very very steep, very slippery slow. That's true, Jess.

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Speaker 2: Let's move over to your side of the table. How

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Speaker 2: has your week been. It's been good.

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Speaker 4: It's been warm and sunny, which I love. Been enjoying it.

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Speaker 4: A little hot in the studio today.

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Speaker 2: But maybe she had The air condition is broken in

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Speaker 2: the studio today, So if we get a little bit delirious, guys,

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Speaker 2: it's because it's thirty degrees outside and the air con

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Speaker 2: is broken and Lucy keeps making farts.

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Speaker 4: Yeah, I didn't want to say.

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Speaker 2: No, no, not Jess. We've been really excited this week

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Speaker 2: because what did we do this week?

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Speaker 4: We announced that two of our four international women's events

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Speaker 4: have sold out.

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Speaker 2: I cannot believe it, Like that's literally hundreds of people

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Speaker 2: coming to hang out with us. And we announced late

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Speaker 2: last week. I believe it was the gift bags.

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Speaker 4: Yes, worth over three hundred dollars.

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Speaker 2: It's wild and there are so many good things in it.

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Speaker 2: I know we name dropped it last week, but I'm

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Speaker 2: actually just so excited, and I keeped this is so bad.

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Speaker 2: You guys are going to be so mad at me,

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Speaker 2: or Rashee in particular is going to be mad at

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Speaker 2: me who's in charge of our events. I keep promising

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Speaker 2: gift bags to my friends that aren't tumming me, so yeah,

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Speaker 2: sorry about that.

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Speaker 4: So we've sold out Melbourne and Perth. There are still

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Speaker 4: very very few tickets left I believe in Brisbane and

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Speaker 4: Sydney at time of recording. At the time of recording,

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Speaker 4: so if you want to grab your tickets, head to

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Speaker 4: the Shoes on the myny website. I don't know by

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Speaker 4: the time this goes live if they even will be.

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Speaker 2: Any left, because I really will link in the show

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Speaker 2: notes anyway, and you can either buy tickets or you

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Speaker 2: can see what you missed out on because you won't

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Speaker 2: quick enough.

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Speaker 4: Yeah sorry, but we're so pummed. We can't wait to

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Speaker 4: see you guys. It's only two weeks away. I am

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Speaker 4: literally so excited. Let's move on, though, Let's talk about

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Speaker 4: our community money wins. Jesse, you've round up the best

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Speaker 4: ones of the week. What have you got for us?

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Speaker 4: Let's start with one I have from sus who said

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Speaker 4: money Win. Someone just down the road for me owns

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Speaker 4: a coffee cut and was giving away arm and milk

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Speaker 4: as he was changing brands. And I got a whole

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Speaker 4: box for free.

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Speaker 2: I'm a milk spano.

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Speaker 4: Yeah, alternative milk shall set you back.

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Speaker 2: Also, I'm a milk taste like dirt, so it should

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Speaker 2: be it's gonna have a milk almond milk specifically, or

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Speaker 2: as I like to call it, dirt water.

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Speaker 4: Oh my goodness, people are gonna come for us, my

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Speaker 4: dirty nut water. My next win. It comes from Indiana

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Speaker 4: who said money win. Shopping for groceries online this week

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Speaker 4: really helped me to stay within my budget and having

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Speaker 4: my flat eyes app open to track things that I

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Speaker 4: could get money off or gain extra points for while

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Speaker 4: I was shopping insured that I made the most of it.

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Speaker 4: I feel like that's really smart because you are not

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Speaker 4: getting sucked into that thing of like shopping when you're hungry.

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Speaker 2: I do that all the time too, and I always

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Speaker 2: lie to myself and say it'll be fine. It's not fine, victory.

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Speaker 2: You didn't need two loads of bread just in past.

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Speaker 2: It's just not what you needed just in case. What

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Speaker 2: I wonder you know how sometimes you run out of

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Speaker 2: the loaf of bread and you're like, oh, I wish

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Speaker 2: I had a back up, And then I've recently been

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Speaker 2: mining two loaves and putting.

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Speaker 4: One in the freezer.

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Speaker 2: Actually, all right, pretty smart? I am quite intelligent. Yeah,

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Speaker 2: but you know what I don't buy when I'm grocery shopping.

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Speaker 2: I'm in milk. That's fair, Yeah, because it's dirty nut water.

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Speaker 5: I don't eve want to say everything I needed, which

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Speaker 5: is me. I go in with a list and come

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Speaker 5: out with gum and chocolate.

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Speaker 2: Do you go in with a list? I feel like

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Speaker 2: you'd be a planner.

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Speaker 5: Oh that's nice. It's nice to know that I look

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Speaker 5: like a planner, but you're not.

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Speaker 1: Not.

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Speaker 5: Really like I go in with a rough idea and

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Speaker 5: I always come out with not what I need. You know,

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Speaker 5: you let the grocery store tell you what you mean exactly.

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Speaker 5: That's why I think that shopping online would be better,

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Speaker 5: because you don't get trapped, you don't get sucked in

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Speaker 5: by the pretty good exactly.

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Speaker 4: My next money in this week comes from Jesse, who

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Speaker 4: said money when I've almost completed a no spend a

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Speaker 4: fortnight where I've only bought the essential food, petrol bills,

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Speaker 4: et cetera, as I'm trying to not let lifestyle creep happen,

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Speaker 4: and the money I've saved is going straight into my

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Speaker 4: emergency fund. Oh, I love that amazing, and I feel

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Speaker 4: like that's something that we could easily commit to, Like, Haybeck,

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Speaker 4: can you maybe do two weeks of not spending? I

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Speaker 4: feel like that's more achievable than in how people have

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Speaker 4: like no spend months. Yeah, I feel like, to me,

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Speaker 4: that's just a little bit too much, whereas I'd prefer

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Speaker 4: to be like, all right, maybe for the next two

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Speaker 4: months or three months, I'll just do like a week

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Speaker 4: each month of no spend, or two weeks each month

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Speaker 4: of no spend, because I don't feel like it's as

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Speaker 4: restrictive and that could actually put you in a position

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Speaker 4: of power and control. I feel like that's a good one,

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Speaker 4: one hundred percent. My next money win is from Sky

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Speaker 4: who said money when asked for a price match on

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Speaker 4: dog food at the pet store and save myself forty

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Speaker 4: eight dollars, happy pooch, happy bank account.

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Speaker 2: Oh my gosh, Actually that's so good. Ice matching is

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Speaker 2: underrated and I forget about it all the time. So

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Speaker 2: this is my dog food story. Are you ready?

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Speaker 4: Yes?

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Speaker 2: The other day I walked into the pet store that

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Speaker 2: is at the supermarket, which is like the one across

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Speaker 2: which is like it's more expensive, but I was under

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Speaker 2: a time crunch and I with my husband Steve, and

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Speaker 2: I said to him as we went in, I was like, oh,

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Speaker 2: don't bother, Like that's way more expensive than you know

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Speaker 2: pep bun, which is where we usually go, and the

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Speaker 2: woman across the counter heard me. I was mortified because

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Speaker 2: obviously I didn't think anyone was listening to a conversation

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Speaker 2: I was having with Stas. But she was like, we

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Speaker 2: can just price match it. What do you usually pay?

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Speaker 2: And I was like, wait what, I completely forgot, But

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Speaker 2: like she stepped up and was like, oh, we can

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Speaker 2: just price match it. And I just looked it up

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Speaker 2: on pet bun and she price matched it. And now

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Speaker 2: I love her.

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Speaker 4: Yeah, saved us off the run around. How goods that?

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Speaker 2: Yeah? I was very impressed. But also what a legend

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Speaker 2: for like speaking, she didn't have to do that. I mean,

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Speaker 2: she's still got the sales, so maybe she wins, but

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Speaker 2: I feel like that was really kind. I love that

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Speaker 2: for you.

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Speaker 4: Next Morning in this week is from Lucy, who said

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Speaker 4: I set up auto invest in Chasy's. It's a win

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Speaker 4: because I don't have to think about it, and I

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Speaker 4: feel like it's a great way to get started in

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Speaker 4: the app and we spoke about this really recently. We

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Speaker 4: were talking about it. I believe in the episode right

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Speaker 4: or was in the ad roll I can't remember, but

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Speaker 4: about oh, I.

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Speaker 2: Feel like they mesh into one like we do these

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Speaker 2: Cheersy's ads. But like I talk about Chaerzias all the time.

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Speaker 2: So which was which we don't know? We don't know,

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Speaker 2: but we do know. You should use the codes OTM

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Speaker 2: for a free tender is when you find out.

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Speaker 4: Oh god, she's good.

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Speaker 2: That was smooth.

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Speaker 4: But water investing is so clever because the dollar cost

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Speaker 4: averaging that you can get out of that, but also

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Speaker 4: just taking that mental load off, which I know via

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Speaker 4: someone with ADHD you're such a big fan of.

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Speaker 2: It's not automated in my life. It's not going to happen. Yeah,

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Speaker 2: I'm not going to happen. I'm optimistic about it, but

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Speaker 2: it won't happen.

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Speaker 4: I love that. Well done, Lucy. Last money whin that

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Speaker 4: I have for this week is a cute one from

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Speaker 4: Jasmine who said money win. I used flowers from my

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Speaker 4: garden that my future hubby planted for me from seeds

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Speaker 4: instead of buying some for my bridal shower. Coincidence that

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Speaker 4: they bloomed in time and save me a trip to

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Speaker 4: the florist.

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Speaker 2: That's actually really sade, really good. What is it like,

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Speaker 2: hundreds of dollars? So ECOUSI I don't really want to

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Speaker 2: talk about how much flowers cost you in my wedding

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Speaker 2: because I'm actually traumatized from it, Like I do feel

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Speaker 2: like I have PTSD. I don't regret any of it.

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Speaker 2: I don't regret one flower that I purchased, but I

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Speaker 2: will not be sharing it because I am I'm ashamed

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Speaker 2: of what I did.

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Speaker 4: Well for future reference anybody getting married, I was going

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Speaker 4: to say, a future reference for you, and I'm like, well,

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Speaker 4: you're already married. That's not helpful.

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Speaker 2: Ahaha, hopefully it's my wedding.

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Speaker 4: Yeah, plant the flowers yourself. I feel like that's such

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Speaker 4: a cute idea.

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Speaker 2: I actually think that's really wholesome. All right, let's go

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Speaker 2: to a really quick break because I want to dive

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Speaker 2: straight into the money dilemma that we have straight after

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Speaker 2: the break about whether or not you should put money

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Speaker 2: aside for your kids. And we're going to be discussing

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Speaker 2: the topic of who should be paying for contraception or

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Speaker 2: Jess and I are going to discuss that X's gonna

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Speaker 2: laugh from the sidelines or don't go anywhere. Welcome back, everybody.

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Speaker 4: This week's money dilemma is for the parents out there,

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Speaker 4: or the parents to be potentially. I'm excited to hear

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Speaker 4: about it.

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Speaker 2: Hi, there, have you got a money dilemma you just

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Speaker 2: can't solve? The Sheese on the Money Team is here

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Speaker 2: to help. Every week, we tackle your dilemmas, both big

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Speaker 2: and small, to answer your most burning money, career and

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Speaker 2: life questions. To get involved, simply head to our website

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Speaker 2: and leave us a short voice recording and you might

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Speaker 2: just find yourself on the show. Now, let's take a

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Speaker 2: listen to this week's money dilemma.

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Speaker 6: Hi Victoria. My name's Caitlin. I'm thirty three years old

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Speaker 6: and pregnant with my first baby. My husband and I

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Speaker 6: would love to give babe head start in life and

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Speaker 6: hand over some savings. We're looking at putting away maybe

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Speaker 6: twenty dollars a week into a bank account and handing

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Speaker 6: this over it when they turn eighteen. But we're not

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Speaker 6: sure if this is the smartest move or if we

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Speaker 6: should be investing in long term shares instead. Any advice

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Speaker 6: would be greatly appreciated. Thank you.

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Speaker 4: Congratulations Calen. That is so exciting.

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Speaker 2: It is literally the best thing ever. I am obsessed

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Speaker 2: with babies, so I'm very excited about this. But I

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Speaker 2: also think it's a really relevant question because it's really

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Speaker 2: about not necessarily the baby at question, but more than time,

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Speaker 2: you've got to invest. So your baby's not going to

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Speaker 2: be buying a car next week, Jess. They're probably going

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Speaker 2: to want to wait until they're about eighteen. So let's

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Speaker 2: use the timeframe of about twenty years as an example. Baitlyn,

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Speaker 2: you said that you were thinking of just putting twenty

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Speaker 2: dollars away each and every single week for your baby,

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Speaker 2: which is really really exciting. If you do that over

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Speaker 2: a period of twenty years, which is what I've just

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Speaker 2: decided to work on, those regular deposits are worth thirty

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Speaker 2: one thousand, two hundred dollars. That's pretty good, not too shabby.

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Speaker 2: But there's a very big difference between investing and saving.

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Speaker 2: And while there's a lot to take into consideration, like

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Speaker 2: making sure that it adheres to your risk profile and

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Speaker 2: it makes sense tax wise, we'll get into that in

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Speaker 2: a hot second, I do think it's worthy of considering

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Speaker 2: because if you're like, well, we're just going to save.

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Speaker 2: Of course, your kid's going to be grateful to have

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Speaker 2: thirty thousand dollars. But if you decided to invest instead

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Speaker 2: of saving over the same period of time, instead of

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Speaker 2: having thirty one thousand, two hundred dollars at an average

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Speaker 2: return of about seven and a half percent, which you

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Speaker 2: guys know I prefer to use. We know that the

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Speaker 2: Australian share market over the last twenty years has done

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Speaker 2: about nine percent, so that's quite conservative. At seven and

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Speaker 2: a half percent, instead of thirty one thousand dollars, you're

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Speaker 2: looking at one hundred and sixteen nine hundred and sixty

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Speaker 2: seven dollars if we use swishy, if we use a

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Speaker 2: really basic compound interest calculator. Now, obviously, if you're putting

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Speaker 2: it in a savings account today, it's not going to

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Speaker 2: look that sexy because term deposits aren't really a thing.

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Speaker 2: There's no such thing at this point in time. Actually,

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Speaker 2: I'll correct myself. There there is such thing as a

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Speaker 2: quote high yield savings account these days, but it's really

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Speaker 2: not that high yield. You're probably getting maximum of one percent,

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Speaker 2: and on that one percent, you need to pay your

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Speaker 2: marginal tax rate. So if your tax is at thirty

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Speaker 2: seven percent or thirty seven and a half percent, you're

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Speaker 2: losing thirty seven and a half cents for every dollar

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Speaker 2: that you make in that because it is an income

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Speaker 2: generating asset, right, and we pay tax on the money

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Speaker 2: that we earn. And I think that's what people forget

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Speaker 2: when they're like, oh, but it's earning one percent there. Yeah,

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Speaker 2: you're paying tax on that. And in addition to that,

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Speaker 2: we've got inflation, which we know is crazy right now,

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Speaker 2: and so to be a really negative nelly if you

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Speaker 2: saved instead of invested at this point in time, with

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Speaker 2: inflation and how the world is working, you're actually going

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Speaker 2: to go backwards in terms of what that dollar is worth.

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Speaker 2: They always say a dollar is worth more today than

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Speaker 2: it is tomorrow, which means there's a lot more power

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Speaker 2: in today than just like leaving it somewhere until tomorrow

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Speaker 2: to make a decision. So I think we really need

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Speaker 2: to contextualize that. So investing is something I would consider

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Speaker 2: because of the timeframe you have, and the longer timeframe

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Speaker 2: that you have, the more power you've got when it

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Speaker 2: comes to risk, right, because the more time you're investing

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Speaker 2: for the less risk you're taking on. And we know

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Speaker 2: that over a thirty year period in the Australian share market,

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Speaker 2: if you stay invested for that long, there has not

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Speaker 2: been an investor who's been exposed to the market for

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Speaker 2: that period of time who has lost money. People who

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Speaker 2: lose money during that period of time are the ones

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Speaker 2: who get out or don't understand the share market or

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Speaker 2: pull it out at a time that might not make

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Speaker 2: financial sense. And I think we need to look at

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Speaker 2: the bigger picture. Right, So am I suggesting investing over saving? No,

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Speaker 2: because that would be really irresponsible of me. But what

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Speaker 2: I am doing is kind of saying, this is what

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Speaker 2: option A looks like, this is what option BE looks like.

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Speaker 2: But then, guys, the question often comes up around tax, right,

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Speaker 2: because let's just play Devil's advocate for a hot second.

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Speaker 2: If you have the cash to be putting money away

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Speaker 2: each and every single week for your child or for

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Speaker 2: a future child, I'm going to take a stab in

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Speaker 2: the dark and say you're not on the lowest marginal

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Speaker 2: tax rate, like, you're not in that position, because if

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Speaker 2: you are in that position in this current economy, I

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Speaker 2: genuinely believe that you'd be pinching pennies a little bit more.

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Speaker 2: So we're going to assume that you have a higher

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Speaker 2: tax bracket if not well done, because that's epic it

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Speaker 2: fits into your budget. But if you're paying a higher

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Speaker 2: marginal tax rate, you might start thinking, well, how do

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Speaker 2: I make it a tax effective vehicle? Because obviously, if

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Speaker 2: you have a higher marginal tax bracket, and let's just

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Speaker 2: pretend it's thirty seven and a half percent, because that's

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Speaker 2: the most average at this point in time, it's a

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Speaker 2: lot of money to be quote losing, right, and it's

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Speaker 2: not actually lost. We're paying tax for a very good reason,

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Speaker 2: and we only pay tax on money we earn. So

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Speaker 2: that's kind of sexy. But a lot of people will go, oh,

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Speaker 2: if I have a daughter or I have a son,

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Speaker 2: I want it to be in their name, and that

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Speaker 2: can sometimes be really detrimental because if your child earns

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Speaker 2: more than four hundred and seventeen dollars in one financial year,

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Speaker 2: they'll actually be taxed at sixty six percent, which is

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Speaker 2: way higher than any marginal tax rate for an adult

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Speaker 2: here in Australia. And the reason they do that is

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Speaker 2: not to shoot children in the feet, but it's actually

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Speaker 2: to make sure that the wealthy people aren't using their

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Speaker 2: kids as tax free vehicles to distribute income to and

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Speaker 2: then get it out around about the way does that

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Speaker 2: make sense? Because that used to happen and this is

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Speaker 2: like kind of a block to make sure that that

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Speaker 2: doesn't happen. So, if your child earns between four hundred

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Speaker 2: and seventeen dollars and thirteen hundred and seven dollars, they'll

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Speaker 2: be taxed at sixty six percent of excess over four

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Speaker 2: hundred and sixteen dollars, And if they earn over thirteen

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Speaker 2: hundred and seven dollars, they then get taxed at forty

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Speaker 2: five percent of the entire amount of eligible income, which

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Speaker 2: is a lot of money, right, And when it comes

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Speaker 2: down to doing the maths, you go, oh, well, does

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Speaker 2: that actually tax wise make sense to have it in

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Speaker 2: my kids name, even though it sounds really nice. And

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Speaker 2: that's where a conversation around the structure that you invest

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Speaker 2: in comes up, and something that we haven't spoken a

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Speaker 2: lot about on the podcast, but I think we should

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Speaker 2: do a whole episode on is actually an investment bond.

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Speaker 2: An investment bond is actually a tax effective solution for

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Speaker 2: people in similar situations, and there are lots of different

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Speaker 2: companies that do this. Again, it's a financial product, so

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Speaker 2: you do need to make sure that it makes sense

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Speaker 2: for you and it fits into your life, and maybe

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Speaker 2: even talk to a financial advisor about setting it up.

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Speaker 2: But essentially, an investment bond is designed to provide tax

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Speaker 2: effective investment solutions and can actually help you give financial

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Speaker 2: security to your children at a lower marginal tax rate

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Speaker 2: that doesn't impact you each and every single year. And

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Speaker 2: often an investment bond can be seen as something that's

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Speaker 2: quite set and forget because to get that tax effective structure,

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Speaker 2: you actually have to lock the money in for a

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Speaker 2: minimum of ten years. Usually, so instead of having your

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Speaker 2: thirty seven and a half percent tax rate, a cap

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Speaker 2: of thirty percent on average is a place applied to an

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Speaker 2: investment bond, which is obviously lower tax and that bond

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Speaker 2: can be allocated towards anything that you like for your child.

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Speaker 2: So it could mean that once they turn eighteen, it

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Speaker 2: goes to them, once they turn thirty, it could go

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Speaker 2: to them. You could say is this for education? You

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Speaker 2: could say this is for a future car or a

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Speaker 2: future house. It could be literally anything. But the thing

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Speaker 2: that a lot of financial advisors like with investment bonds

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Speaker 2: is that they're super flexible, so obviously it can change

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Speaker 2: the terms their tax effective, and they still provide a

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Speaker 2: really good range of investment opportunities and investment options within that.

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Speaker 2: So I think it's one of those things that a

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Speaker 2: lot of people don't know about. And if you've not

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Speaker 2: heard of it and you're like, oh, I'm really interested

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Speaker 2: in what other options exist for kids, maybe an investment

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Speaker 2: bond is something that you could do a bit more

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Speaker 2: research on.

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Speaker 4: Sounds incredible and if you are more info. We did

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Speaker 4: also do a full episode called setting Up Investments for Kids.

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Speaker 4: It was a little while ago, but it's a really

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Speaker 4: solid episode where you touched on it too, touch on

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Speaker 4: investment bonds and a few other structures and bits and

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Speaker 4: pieces there. So if you're wanting to know more, if

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Speaker 4: you're wanting to set your kids up, that one I listen.

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Speaker 2: Sexy, very sexy question. But let's move on to something

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Speaker 2: less sexy. Let's talk about contraception. I feel like it's

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Speaker 2: a spicier topic than investing for kids and one that

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Speaker 2: I think Jess and I are on the same page about.

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Speaker 2: But I'd love to get your take on.

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Speaker 4: It back, So you don't invest in your contraception, you're

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Speaker 4: going to have to be setting up investments for your dying.

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Speaker 2: It's good point. Good point. Maybe maybe if you're like,

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Speaker 2: I'm not paying for contraception, you need the first part

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Speaker 2: of this episode.

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Speaker 4: Correct.

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Speaker 2: We are people of the people. We're just here to

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Speaker 2: help you. But here's the community dilemma we got on

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Speaker 2: our DMS this week. So it said, hey, girls, got

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Speaker 2: a little bit of a tricky one. I've been single

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Speaker 2: for quite a few years now, but now I have

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Speaker 2: a partner and we've been together for around seven months.

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Speaker 2: The time has come up for my ROD to be

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Speaker 2: changed over. So I'm assuming she means contraceptive ROD to

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Speaker 2: be changed over, and I'm thinking of asking my partner

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Speaker 2: to contribute to the cost, especially now since not that

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Speaker 2: many clinics of bog billing. What once used to cost

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Speaker 2: me thirty dollars for the implant now costs me two

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Speaker 2: hundred and forty dollars including the insertion. I do get

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Speaker 2: some back off media care, but it's not enough to

437
00:19:01,400 --> 00:19:05,080
Speaker 2: cover the whole expense. Am I being unreasonable and expecting

438
00:19:05,160 --> 00:19:08,199
Speaker 2: him to foot some of the bill? Thanks? Guys?

439
00:19:08,240 --> 00:19:11,240
Speaker 4: Interesting? How long does it do they wonder how long

440
00:19:11,320 --> 00:19:13,200
Speaker 4: a rod life. I've never used that three year deception,

441
00:19:13,760 --> 00:19:16,679
Speaker 4: so I had over three years is not the worst.

442
00:19:16,760 --> 00:19:19,080
Speaker 2: Yeah, I had one way back when. And contraception is

443
00:19:19,119 --> 00:19:22,240
Speaker 2: so interesting, right, like I went crazy, like I lost

444
00:19:22,320 --> 00:19:25,800
Speaker 2: my mind on the rock, lost it like I was

445
00:19:26,200 --> 00:19:29,440
Speaker 2: actually probably committable, and so we had to take it out.

446
00:19:30,000 --> 00:19:32,479
Speaker 2: Not for me, if it is for you, really convenient solution,

447
00:19:32,680 --> 00:19:36,320
Speaker 2: but that's a lot of money, especially upfront, especially upfront,

448
00:19:36,320 --> 00:19:39,639
Speaker 2: and there's lots of more permanent contraception solutions, right, and

449
00:19:39,680 --> 00:19:42,159
Speaker 2: they can be more expensive. And I'm super honest and

450
00:19:42,200 --> 00:19:45,119
Speaker 2: open about having these conversations because I think the best

451
00:19:45,160 --> 00:19:48,840
Speaker 2: way we can sometimes learn is through conversation and actually

452
00:19:48,920 --> 00:19:50,880
Speaker 2: going wow, like, oh, that's what Victoria had, or that's

453
00:19:50,880 --> 00:19:53,840
Speaker 2: what Jes did, or that's what somebody else did. Because

454
00:19:53,840 --> 00:19:55,680
Speaker 2: I've got so many friends who have just gone through

455
00:19:55,680 --> 00:19:57,639
Speaker 2: the rods, like every three years, they just get it

456
00:19:57,720 --> 00:20:00,480
Speaker 2: changed out and it really works well for them. That

457
00:20:00,520 --> 00:20:03,280
Speaker 2: did not work for me at all. But I also

458
00:20:03,320 --> 00:20:06,280
Speaker 2: couldn't have the pill because I was getting migraines, which

459
00:20:06,320 --> 00:20:09,040
Speaker 2: was really frustrating, and I ended up with the Marina.

460
00:20:09,520 --> 00:20:11,880
Speaker 2: But I was in the fortunate position where the marina

461
00:20:11,920 --> 00:20:15,000
Speaker 2: that I got, I had private health insurance, so that

462
00:20:15,040 --> 00:20:17,320
Speaker 2: could cover that cost because I had to be put

463
00:20:17,320 --> 00:20:19,520
Speaker 2: to sleep because I hadn't had a baby before. So

464
00:20:19,600 --> 00:20:22,840
Speaker 2: it's an interesting and fickle position, but I do genuinely

465
00:20:22,880 --> 00:20:25,480
Speaker 2: believe contraceptions are shared cost. Like, at the end of

466
00:20:25,560 --> 00:20:28,160
Speaker 2: the day, it's a cost of being in a relationship,

467
00:20:28,560 --> 00:20:31,359
Speaker 2: and that should be from my perspective, split Jess, have

468
00:20:31,440 --> 00:20:33,320
Speaker 2: you ever had this conversation with a partner.

469
00:20:33,440 --> 00:20:36,840
Speaker 4: No, I've always paid the cost. I think the way

470
00:20:36,880 --> 00:20:38,919
Speaker 4: that I felt about it was it's something that I

471
00:20:39,040 --> 00:20:40,560
Speaker 4: liked being not that it wouldn't be in my hands

472
00:20:40,600 --> 00:20:42,560
Speaker 4: if someone else was paying for it, but it's just

473
00:20:42,560 --> 00:20:44,520
Speaker 4: been something that I've always been happy enough to pay.

474
00:20:44,920 --> 00:20:47,440
Speaker 4: Using the contraceptive pill is thankfully, for me, at least,

475
00:20:47,560 --> 00:20:49,960
Speaker 4: very affordable. I mean, I guess you could look at

476
00:20:49,960 --> 00:20:51,560
Speaker 4: it the other way, like, if you're using a form

477
00:20:51,560 --> 00:20:54,639
Speaker 4: of male contraception like condoms, would you be splitting that cost?

478
00:20:54,640 --> 00:20:55,960
Speaker 4: And if so, I feel like that's a good way

479
00:20:56,000 --> 00:20:57,880
Speaker 4: to open up that conversation with your partner and kind

480
00:20:57,880 --> 00:20:59,920
Speaker 4: of say, well, would we just chat condoms in a

481
00:21:00,000 --> 00:21:02,560
Speaker 4: grocery basket and split the cost between us. Yes, great,

482
00:21:02,600 --> 00:21:05,159
Speaker 4: maybe we should be having the same kind of perspective

483
00:21:05,320 --> 00:21:08,080
Speaker 4: on a female form of contraception. It just depends on

484
00:21:08,080 --> 00:21:10,840
Speaker 4: your situation. I think like absolutely, if that's you know,

485
00:21:10,840 --> 00:21:13,399
Speaker 4: if it's a big upfront cost and you're stressing about it,

486
00:21:13,400 --> 00:21:15,960
Speaker 4: it's well worth having the conversation because I think that

487
00:21:16,040 --> 00:21:19,520
Speaker 4: the contraception is for the benefit of both of you, presumably,

488
00:21:19,680 --> 00:21:21,320
Speaker 4: like you're not trying to have a baby right now,

489
00:21:21,359 --> 00:21:23,439
Speaker 4: so you both want that to be in place, And

490
00:21:23,480 --> 00:21:25,919
Speaker 4: I think that merits are split cost. It's just not

491
00:21:25,960 --> 00:21:27,399
Speaker 4: the way that I've personally done it.

492
00:21:27,640 --> 00:21:30,480
Speaker 2: Yeah, I feel like, again, this is probably me just

493
00:21:30,560 --> 00:21:33,040
Speaker 2: reading into it a little bit, but I feel like

494
00:21:33,119 --> 00:21:37,159
Speaker 2: when I was single, contraception was my cost. It was

495
00:21:37,359 --> 00:21:40,159
Speaker 2: me protecting me and making sure that I as an

496
00:21:40,200 --> 00:21:43,719
Speaker 2: individual was okay. Then once I was in a serious,

497
00:21:43,760 --> 00:21:47,639
Speaker 2: long term relationship, contraception was a conscious choice that my

498
00:21:47,720 --> 00:21:50,879
Speaker 2: partner and I made. And when that changed from me

499
00:21:51,520 --> 00:21:54,600
Speaker 2: protecting me and making decisions only for me because I

500
00:21:54,680 --> 00:21:57,320
Speaker 2: was single and I had chosen to be on contraception,

501
00:21:57,760 --> 00:21:59,800
Speaker 2: I did not want to have a child at that

502
00:21:59,800 --> 00:22:02,359
Speaker 2: point point. Once there's another person in the mix and

503
00:22:02,359 --> 00:22:04,719
Speaker 2: they're a part of the decision making process. I genuinely

504
00:22:04,760 --> 00:22:07,840
Speaker 2: believe that's their cost. Like you can't just say, oh,

505
00:22:07,840 --> 00:22:09,840
Speaker 2: my boyfriend of one month or i've been sleeping with

506
00:22:09,880 --> 00:22:12,760
Speaker 2: this guy, he should pay for my pill. I feel

507
00:22:12,840 --> 00:22:16,640
Speaker 2: like once it's a joint decision that you stay on contraception,

508
00:22:17,160 --> 00:22:20,439
Speaker 2: then absolutely it's a joint cost. But it's a fickle

509
00:22:20,480 --> 00:22:22,480
Speaker 2: one as well. And I think a lot of financial

510
00:22:22,480 --> 00:22:25,679
Speaker 2: privilege plays into this, because you know, Jess, I know

511
00:22:25,760 --> 00:22:28,200
Speaker 2: that you're similar to me in that paying for the pill.

512
00:22:28,400 --> 00:22:30,400
Speaker 2: Historically I was like, oh, it's thirty bucks a month.

513
00:22:30,440 --> 00:22:32,520
Speaker 2: I can afford that on my salary. You didn't really

514
00:22:32,560 --> 00:22:34,199
Speaker 2: think about it, and to be honest, it was just

515
00:22:34,280 --> 00:22:36,280
Speaker 2: easier to pay for it because you had to go

516
00:22:36,320 --> 00:22:38,040
Speaker 2: to the doctor. You just had to go past the

517
00:22:38,119 --> 00:22:39,880
Speaker 2: chemist and pick it up, like your partner wasn't there

518
00:22:39,880 --> 00:22:41,720
Speaker 2: to split the bill, like you didn't even let's just

519
00:22:41,760 --> 00:22:44,480
Speaker 2: not have the conversation. I'll pay for it. Whereas if

520
00:22:44,520 --> 00:22:48,720
Speaker 2: you're in more of a financially constrictive situation, you might

521
00:22:48,760 --> 00:22:50,399
Speaker 2: go far out. That's a lot of money and we

522
00:22:50,480 --> 00:22:52,679
Speaker 2: really need to think about this and split the cost.

523
00:22:52,800 --> 00:22:55,879
Speaker 2: And I think that that becomes a far harder conversation

524
00:22:55,960 --> 00:22:57,760
Speaker 2: to have because you're already carrying a bit of the

525
00:22:57,760 --> 00:23:00,240
Speaker 2: burden of like, oh, I want to be paying for this,

526
00:23:00,320 --> 00:23:03,080
Speaker 2: but it's a lot, right, especially as you get further

527
00:23:03,119 --> 00:23:06,280
Speaker 2: down the track and you know, again financially privileged, I

528
00:23:06,320 --> 00:23:09,080
Speaker 2: could afford this and it was okay. But after I

529
00:23:09,080 --> 00:23:11,359
Speaker 2: got told no, sorry, Victory, you can't be on the pill.

530
00:23:11,359 --> 00:23:14,199
Speaker 2: You're going to have to find an alternative contraceptive method

531
00:23:14,640 --> 00:23:17,560
Speaker 2: that got really expensive really quickly, like the idea of

532
00:23:17,640 --> 00:23:19,480
Speaker 2: a marina. I was like, oh, far out, that's like

533
00:23:19,520 --> 00:23:22,320
Speaker 2: one of the only options I have left. I was like, oh,

534
00:23:22,440 --> 00:23:24,320
Speaker 2: that's got five years on it. There was like a

535
00:23:24,359 --> 00:23:27,359
Speaker 2: copper coil option and that was ten years. But I

536
00:23:27,400 --> 00:23:29,840
Speaker 2: was like, these are really long term solutions. And I

537
00:23:29,960 --> 00:23:31,919
Speaker 2: was in my mid twenties. I was like, oh, I

538
00:23:31,960 --> 00:23:36,520
Speaker 2: don't know, all really expensive and a privilege to access.

539
00:23:36,560 --> 00:23:38,600
Speaker 2: But I also think that you know, at that point

540
00:23:38,600 --> 00:23:41,359
Speaker 2: in time, I remember having the conversation and my partner

541
00:23:41,440 --> 00:23:43,280
Speaker 2: actually offered to pay for it. He was like, oh,

542
00:23:43,320 --> 00:23:45,520
Speaker 2: I can pay for that, Like that shouldn't be on you.

543
00:23:46,040 --> 00:23:48,040
Speaker 2: But I also am basically in a relationship with a

544
00:23:48,040 --> 00:23:50,160
Speaker 2: staunch feminist and I love that so it.

545
00:23:50,200 --> 00:23:51,200
Speaker 6: Was so good.

546
00:23:51,440 --> 00:23:53,680
Speaker 5: Yeah, as you guys know, I don't have heaps of

547
00:23:53,880 --> 00:23:57,320
Speaker 5: experience or any experience with any contraception.

548
00:23:57,600 --> 00:24:01,800
Speaker 2: Ever, your body must be thanking you seriously, lucky lady.

549
00:24:01,920 --> 00:24:02,880
Speaker 4: You know, like I just.

550
00:24:02,920 --> 00:24:04,840
Speaker 5: Feel like, and I know this isn't a question of

551
00:24:05,200 --> 00:24:07,679
Speaker 5: should women have to have contraception, that's.

552
00:24:07,560 --> 00:24:10,919
Speaker 2: Not that's not the conversation. No, if you have chosen

553
00:24:11,000 --> 00:24:11,560
Speaker 2: to be on it.

554
00:24:11,640 --> 00:24:13,439
Speaker 5: Yeah, if you've chosen to be on it. God, it

555
00:24:13,440 --> 00:24:16,440
Speaker 5: sounds like it does like hectic things to a woman's body.

556
00:24:16,480 --> 00:24:20,000
Speaker 4: It is crazy the way that, like the perception is

557
00:24:20,000 --> 00:24:21,639
Speaker 4: that one thing will work for everyone. Because I had

558
00:24:21,640 --> 00:24:23,560
Speaker 4: a similar experience to you, I mean through four different

559
00:24:23,640 --> 00:24:26,679
Speaker 4: types of pill before one that didn't make me feel

560
00:24:26,720 --> 00:24:28,880
Speaker 4: like I was going insane.

561
00:24:28,600 --> 00:24:31,159
Speaker 5: And like the surgery to get something in plant like

562
00:24:32,119 --> 00:24:34,760
Speaker 5: you like, that just seems so hectic, And yeah, that

563
00:24:34,800 --> 00:24:37,120
Speaker 5: absolutely should be if you're in a long term relationship

564
00:24:37,520 --> 00:24:40,439
Speaker 5: a shared cost. But I also just think that so

565
00:24:40,560 --> 00:24:42,399
Speaker 5: like bulk billing now is not a thing really and

566
00:24:42,400 --> 00:24:43,680
Speaker 5: you have to spend spence just.

567
00:24:43,640 --> 00:24:47,480
Speaker 2: Getting a lot more sparse. I think post COVID doctors

568
00:24:47,680 --> 00:24:50,240
Speaker 2: are you know, back to seeing people in person, and

569
00:24:50,400 --> 00:24:53,080
Speaker 2: it's just more expensive now. And I was talking to

570
00:24:53,160 --> 00:24:56,600
Speaker 2: a friend literally the other day about her rod and

571
00:24:56,640 --> 00:24:59,480
Speaker 2: she was saying, oh, and exactly the same situation as

572
00:24:59,520 --> 00:25:02,080
Speaker 2: our our listener has said, Oh, used to be like

573
00:25:02,119 --> 00:25:04,200
Speaker 2: thirty bucks. And I remember when I got my rod.

574
00:25:04,520 --> 00:25:06,320
Speaker 2: I just went to a bog billing doctor. They give

575
00:25:06,320 --> 00:25:08,240
Speaker 2: you a prescription, You go down to the chemist, you

576
00:25:08,280 --> 00:25:10,119
Speaker 2: pick up the rod under your prescription, go back for

577
00:25:10,160 --> 00:25:12,879
Speaker 2: another bulk billing session and they'll insert it. And I

578
00:25:12,920 --> 00:25:15,320
Speaker 2: was basically out of pocket. I think like twenty eight bucks. Wow,

579
00:25:15,359 --> 00:25:17,640
Speaker 2: And that's for three years of contraception, So like that's

580
00:25:17,680 --> 00:25:19,000
Speaker 2: a good deal if it works out for you.

581
00:25:19,320 --> 00:25:19,560
Speaker 4: Yeah.

582
00:25:19,680 --> 00:25:21,840
Speaker 2: And then I remember the same thing happened with my

583
00:25:21,920 --> 00:25:25,800
Speaker 2: first Marina. I went to a fertility clinic in East Melbourne, actually,

584
00:25:25,800 --> 00:25:28,199
Speaker 2: which I really recommend, really liked them. They were some

585
00:25:28,240 --> 00:25:30,919
Speaker 2: of the kindest humans. They gave me a prescription, I

586
00:25:30,960 --> 00:25:33,200
Speaker 2: went down, I picked it up, I came back and

587
00:25:33,280 --> 00:25:36,160
Speaker 2: we literally went into like a surgery to get it done.

588
00:25:36,320 --> 00:25:37,720
Speaker 2: And I think I was out like one hundred and

589
00:25:37,760 --> 00:25:40,880
Speaker 2: fifty seven dollars for the first one. Then skip five

590
00:25:40,960 --> 00:25:42,879
Speaker 2: years later and I was getting it changed. It was

591
00:25:42,920 --> 00:25:45,040
Speaker 2: up near seven hundred dollars to get it changed, because

592
00:25:45,040 --> 00:25:46,920
Speaker 2: obviously it wasn't both built in the same way and

593
00:25:47,040 --> 00:25:49,440
Speaker 2: things change, and like that's okay, but that's a very

594
00:25:49,440 --> 00:25:52,120
Speaker 2: big difference from you know, one hundred and fifty eight dollars.

595
00:25:52,160 --> 00:25:54,359
Speaker 2: I think that's what it was. And I can probably

596
00:25:54,359 --> 00:25:56,200
Speaker 2: get the we'll put it on Instagram at some point

597
00:25:56,240 --> 00:25:58,880
Speaker 2: when I can find it. But for five years of contraception,

598
00:25:59,160 --> 00:26:02,600
Speaker 2: that's pretty good. Yeah, yeah, but again, another privilege to

599
00:26:02,600 --> 00:26:03,320
Speaker 2: be able to pay that.

600
00:26:03,320 --> 00:26:05,520
Speaker 5: Out right, I guess, like back to my point, like

601
00:26:05,560 --> 00:26:09,480
Speaker 5: I'm I think that if both parties want the same thing,

602
00:26:09,560 --> 00:26:11,840
Speaker 5: then both parties share that cost. But obviously it's not

603
00:26:12,400 --> 00:26:16,919
Speaker 5: purely for you know, avoiding pregnancy. It's like, you know,

604
00:26:17,040 --> 00:26:19,680
Speaker 5: making sure you don't get an STI or a sexually

605
00:26:19,680 --> 00:26:22,359
Speaker 5: transmitted infection disease, you know, that kind of thing. So

606
00:26:23,119 --> 00:26:25,920
Speaker 5: that's also a thing that both parties should be concerned about.

607
00:26:25,960 --> 00:26:28,320
Speaker 5: And I guess we started this thinking we'd all have

608
00:26:28,359 --> 00:26:30,120
Speaker 5: different views, but I think it's the same. I think

609
00:26:30,119 --> 00:26:32,520
Speaker 5: they should be split if both parties want the same thing,

610
00:26:32,560 --> 00:26:33,280
Speaker 5: if it's both.

611
00:26:33,200 --> 00:26:35,520
Speaker 2: There, yeah, and I feel like that's true. I feel

612
00:26:35,560 --> 00:26:37,520
Speaker 2: like Jess and I are probably falling down the root

613
00:26:37,560 --> 00:26:41,960
Speaker 2: of contraception literally when it comes to fertility, because as

614
00:26:42,000 --> 00:26:46,040
Speaker 2: females in long term relationships, you kind of go, all right, well,

615
00:26:46,080 --> 00:26:48,080
Speaker 2: the pill is quote the easy option, right, you just

616
00:26:48,119 --> 00:26:50,400
Speaker 2: take the pill. You don't have to worry so much. Yes,

617
00:26:50,520 --> 00:26:53,560
Speaker 2: condoms exist, Yes, that is something that we could do.

618
00:26:53,600 --> 00:26:56,399
Speaker 2: There's lots of different methods that people rely on, but

619
00:26:56,520 --> 00:26:58,600
Speaker 2: I think that we fall into that because that's the

620
00:26:58,640 --> 00:27:01,920
Speaker 2: one that is, from my perspective, is usually one hundred

621
00:27:01,920 --> 00:27:04,359
Speaker 2: percent in the female's control, if that makes sense. Like

622
00:27:04,480 --> 00:27:06,040
Speaker 2: I have to go to the doctor and I have

623
00:27:06,080 --> 00:27:08,240
Speaker 2: to get a script for me, Like my husband can't

624
00:27:08,240 --> 00:27:09,919
Speaker 2: go to the doctor and be like, oh, like you know,

625
00:27:09,960 --> 00:27:12,720
Speaker 2: I'm just trying to sort out contraception. My wife and I,

626
00:27:12,800 --> 00:27:14,440
Speaker 2: you know, want to be on the pill. He can't

627
00:27:14,480 --> 00:27:16,360
Speaker 2: do that for me. So I feel like I default

628
00:27:16,359 --> 00:27:18,880
Speaker 2: to assuming it's that because both Steve or I could

629
00:27:18,880 --> 00:27:21,239
Speaker 2: go on my condoms if we wanted to or needed to.

630
00:27:21,800 --> 00:27:23,840
Speaker 2: And again, I think it falls back to my original

631
00:27:24,320 --> 00:27:27,679
Speaker 2: view of if I am in a situation where I

632
00:27:27,720 --> 00:27:31,480
Speaker 2: am single and I was sexually active, I would see

633
00:27:31,480 --> 00:27:34,840
Speaker 2: that cost as an individual cost. I would expect and

634
00:27:35,040 --> 00:27:38,040
Speaker 2: I would hope that women who are you know, sexually

635
00:27:38,080 --> 00:27:41,800
Speaker 2: active and single have protection with them and don't just

636
00:27:42,000 --> 00:27:44,600
Speaker 2: rely on the pill, and they are looking after themselves

637
00:27:44,600 --> 00:27:47,480
Speaker 2: and being smart about those things because you can't rely

638
00:27:47,560 --> 00:27:49,240
Speaker 2: on somebody else to bring it to the table because

639
00:27:49,240 --> 00:27:50,920
Speaker 2: you don't know them well enough yet. Yeah, but you're

640
00:27:50,960 --> 00:27:55,000
Speaker 2: right further down into the situation, if the chosen contraception

641
00:27:55,119 --> 00:27:57,240
Speaker 2: method is a condom, then that should be a shared

642
00:27:57,240 --> 00:28:00,720
Speaker 2: cost too. I think I just lean further on stuff

643
00:28:00,760 --> 00:28:03,600
Speaker 2: that comes via prescription because it's just harder to get

644
00:28:03,680 --> 00:28:07,240
Speaker 2: and it really falls down to being the burden of

645
00:28:07,320 --> 00:28:10,760
Speaker 2: the woman in the relationship. All the person who has

646
00:28:10,760 --> 00:28:12,679
Speaker 2: ovaries right be known.

647
00:28:12,920 --> 00:28:15,119
Speaker 4: I would be so thrilled to have to split the

648
00:28:15,160 --> 00:28:17,760
Speaker 4: cost of a male contraceptive with my partner, Like I

649
00:28:17,800 --> 00:28:19,399
Speaker 4: would love to put him on a pill. He can

650
00:28:19,440 --> 00:28:20,679
Speaker 4: be crazy for a little bit.

651
00:28:20,560 --> 00:28:21,840
Speaker 2: And I'll after that.

652
00:28:22,080 --> 00:28:22,840
Speaker 4: Yeah, it's just not.

653
00:28:22,920 --> 00:28:24,800
Speaker 2: Been I feel like it's going to be an option soon.

654
00:28:24,880 --> 00:28:26,840
Speaker 2: There's been a few things in the media about it.

655
00:28:26,880 --> 00:28:28,920
Speaker 4: Do you remember like a few years ago they were like, oh,

656
00:28:28,920 --> 00:28:31,080
Speaker 4: we're so close, but the male contraception got put on

657
00:28:31,119 --> 00:28:33,760
Speaker 4: hold because they had a lot of really severe reactions

658
00:28:33,880 --> 00:28:40,840
Speaker 4: like NAU. They moods, and I was like, yes, so

659
00:28:41,080 --> 00:28:42,760
Speaker 4: like regular side effects.

660
00:28:42,800 --> 00:28:46,920
Speaker 2: Literally, I feel like women, no, no, we can't get

661
00:28:46,960 --> 00:28:49,920
Speaker 2: into this because there's a whole conversation. There's a whole

662
00:28:49,960 --> 00:28:52,960
Speaker 2: conversation to be had about women and pain and all

663
00:28:53,000 --> 00:28:55,160
Speaker 2: of that. But cutting off, I think we're on the

664
00:28:55,200 --> 00:28:58,040
Speaker 2: same page. If you're going to be sexually active, be

665
00:28:58,160 --> 00:29:00,600
Speaker 2: smart about it, yes, full stop, end of story. Yeah,

666
00:29:00,640 --> 00:29:03,600
Speaker 2: we are just smart. Do what you want, be smart about.

667
00:29:03,400 --> 00:29:06,240
Speaker 5: It, and share those costs, and share those costs, save

668
00:29:06,280 --> 00:29:07,360
Speaker 5: your sexual puns.

669
00:29:07,120 --> 00:29:09,360
Speaker 2: And don't feel bad if you're going to bring that

670
00:29:09,400 --> 00:29:12,840
Speaker 2: conversation up. Was guaranteed. If I had the confidence that

671
00:29:12,880 --> 00:29:15,480
Speaker 2: I had today, when I was twenty two, twenty three

672
00:29:15,520 --> 00:29:18,480
Speaker 2: and single, I'd be like, oh, yeah, can we split contraception?

673
00:29:18,560 --> 00:29:20,520
Speaker 2: And they might say no. I'd be like, oh, okay,

674
00:29:20,520 --> 00:29:23,360
Speaker 2: well so you're ready for a baby? Yeah, so you're ready.

675
00:29:23,440 --> 00:29:25,120
Speaker 4: I feel like them saying no to splitting the.

676
00:29:25,160 --> 00:29:28,600
Speaker 2: Cost red red flag, red FLA red flag, red flag.

677
00:29:28,680 --> 00:29:30,320
Speaker 2: And you know what, that's a really good red flag

678
00:29:30,320 --> 00:29:32,520
Speaker 2: because we'll get it done really early and I can

679
00:29:32,560 --> 00:29:34,840
Speaker 2: yet you out of my life, so see you by,

680
00:29:35,600 --> 00:29:37,160
Speaker 2: And you know what, that's probably a good place to

681
00:29:37,160 --> 00:29:39,680
Speaker 2: wrap the episode too, because I feel like jess Beck

682
00:29:39,800 --> 00:29:41,160
Speaker 2: and I are going to go get a drink and

683
00:29:41,200 --> 00:29:43,480
Speaker 2: probably get a lot more heated about this on this

684
00:29:43,520 --> 00:29:46,440
Speaker 2: Friday afternoon. So have a really good week, guys, have

685
00:29:46,560 --> 00:29:48,160
Speaker 2: the best weekend. We love you and.

686
00:29:48,040 --> 00:29:49,800
Speaker 4: We'll see you next week. Bye bye bye.

687
00:29:56,720 --> 00:29:59,240
Speaker 2: The advice shared on Cheese on the Money is general

688
00:29:59,280 --> 00:30:03,160
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689
00:30:03,200 --> 00:30:06,600
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690
00:30:06,680 --> 00:30:09,840
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691
00:30:10,240 --> 00:30:12,680
Speaker 2: If you do choose to buy a financial product, read

692
00:30:12,720 --> 00:30:16,880
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

693
00:30:16,880 --> 00:30:20,160
Speaker 2: your needs. Victoria Divine and She's on the Money are

694
00:30:20,240 --> 00:30:25,240
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695
00:30:25,280 --> 00:30:29,240
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696
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