1
00:00:00,600 --> 00:00:04,840
Speaker 1: Hello, my name's Sanatasha Nabananga Bamblet. I'm a proud or

2
00:00:04,880 --> 00:00:08,600
Speaker 1: the Order Kerni Whoaltbury and a waddery woman. And before

3
00:00:08,600 --> 00:00:11,080
Speaker 1: we get started on She's on the Money podcast, I

4
00:00:11,119 --> 00:00:14,240
Speaker 1: would like to acknowledge the traditional custodians of the land

5
00:00:14,360 --> 00:00:17,680
Speaker 1: of which this podcast is recorded on a wondery country,

6
00:00:18,079 --> 00:00:22,200
Speaker 1: acknowledging the elders, the ancestors and the next generation coming

7
00:00:22,239 --> 00:00:26,880
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

8
00:00:27,000 --> 00:00:30,040
Speaker 1: and the storytelling of you to make a difference for

9
00:00:30,160 --> 00:00:33,040
Speaker 1: today and lasting impact for tomorrow.

10
00:00:33,240 --> 00:00:34,120
Speaker 2: Let's get into it.

11
00:00:34,280 --> 00:00:53,519
Speaker 3: She's on the Money. She's on the Money.

12
00:00:57,240 --> 00:00:59,960
Speaker 4: Hello, and welcome to She's on the Money, the podcast

13
00:01:00,120 --> 00:01:04,160
Speaker 4: that makes personal finance fun, especially on Fridays. It is

14
00:01:04,240 --> 00:01:06,160
Speaker 4: our favorite day of the week because we get our

15
00:01:06,160 --> 00:01:09,520
Speaker 4: little team together to celebrate you the incredible She's on

16
00:01:09,560 --> 00:01:12,200
Speaker 4: the Money community, Misters Greed. She is going to be

17
00:01:12,200 --> 00:01:15,120
Speaker 4: sharing her favorite money wins and confessions from the community.

18
00:01:15,400 --> 00:01:17,840
Speaker 4: Miss beck Sayed is going to be sharing her broke tips.

19
00:01:18,080 --> 00:01:20,400
Speaker 4: We're going to be helping to answer a juicy money dilemma,

20
00:01:20,400 --> 00:01:22,480
Speaker 4: which this week is all about how to work out

21
00:01:22,600 --> 00:01:25,640
Speaker 4: if you'll have your hex step Forever and something that

22
00:01:25,640 --> 00:01:28,080
Speaker 4: you slid into our DMS about whether you should pay

23
00:01:28,120 --> 00:01:30,320
Speaker 4: for an accident that happened while you were helping a

24
00:01:30,360 --> 00:01:33,080
Speaker 4: friend out with something they maybe should have been paying

25
00:01:33,080 --> 00:01:33,880
Speaker 4: a professional form.

26
00:01:33,959 --> 00:01:36,800
Speaker 2: But before we get there, have a new year and

27
00:01:36,920 --> 00:01:41,160
Speaker 2: you year new. Meet guys, how are we feeling?

28
00:01:41,720 --> 00:01:44,479
Speaker 4: Yeah, it's twenty twenty Thrive, which is kind of funny

29
00:01:44,520 --> 00:01:46,640
Speaker 4: because it's only good in audio, so we're going to

30
00:01:46,640 --> 00:01:47,280
Speaker 4: be using it on.

31
00:01:47,240 --> 00:01:48,160
Speaker 2: The podcast a lot.

32
00:01:48,520 --> 00:01:50,240
Speaker 4: But if you write it down it looks like two

33
00:01:50,280 --> 00:01:52,720
Speaker 4: o two thrive and then people are quite confused.

34
00:01:53,480 --> 00:01:57,120
Speaker 2: Yes, oh yes, taking so much? Yeah, too hard? Too hard?

35
00:01:57,200 --> 00:01:58,160
Speaker 4: Anyway, how are we?

36
00:01:58,880 --> 00:01:59,160
Speaker 5: Yeah?

37
00:01:59,200 --> 00:01:59,600
Speaker 2: Really good.

38
00:01:59,680 --> 00:02:04,320
Speaker 6: I feel it's like there's something about starting afresh that

39
00:02:04,480 --> 00:02:07,080
Speaker 6: is like it doesn't mean anything, like it's the same.

40
00:02:07,160 --> 00:02:08,920
Speaker 6: It's just like, you know, it's the same week, Like

41
00:02:08,960 --> 00:02:10,680
Speaker 6: it's like Tuesday's.

42
00:02:10,840 --> 00:02:12,200
Speaker 2: New, it's new, it's fresh.

43
00:02:12,240 --> 00:02:14,160
Speaker 4: It feels like there's a futual line in the sand.

44
00:02:14,280 --> 00:02:16,400
Speaker 4: And that's the most annoying thing in the world, right,

45
00:02:16,639 --> 00:02:20,119
Speaker 4: Like you could start new anytime, and we always say

46
00:02:20,120 --> 00:02:22,640
Speaker 4: like there's no time like the present.

47
00:02:22,680 --> 00:02:24,399
Speaker 2: Well that's why just do it when you're ready.

48
00:02:24,440 --> 00:02:25,799
Speaker 4: If you're like Oh my gosh, I really want to

49
00:02:25,800 --> 00:02:28,680
Speaker 4: get my money life together or I really want to change, like.

50
00:02:28,760 --> 00:02:30,959
Speaker 2: Just do it, just get it done. But like, oh,

51
00:02:31,120 --> 00:02:32,800
Speaker 2: the motivation levels right.

52
00:02:32,600 --> 00:02:36,160
Speaker 6: Now much higher, Like imagine starting something at four point

53
00:02:36,160 --> 00:02:37,960
Speaker 6: thirty on a Tuesday.

54
00:02:38,600 --> 00:02:41,720
Speaker 4: Weird, weird, get it and we should we should, like

55
00:02:41,960 --> 00:02:44,920
Speaker 4: do you know what? I also see it as the

56
00:02:45,000 --> 00:02:48,440
Speaker 4: me that I want to become. She doesn't wait totally

57
00:02:48,480 --> 00:02:50,239
Speaker 4: the me that I want to become. She doesn't wait

58
00:02:50,320 --> 00:02:52,240
Speaker 4: for things the meat that I currently am.

59
00:02:52,360 --> 00:02:54,760
Speaker 2: She does. So I need the new year and she

60
00:02:55,400 --> 00:02:58,760
Speaker 2: is welcome here exactly the new year energy.

61
00:02:58,800 --> 00:02:59,120
Speaker 7: I love it.

62
00:02:59,200 --> 00:03:00,680
Speaker 2: Hone board, Jessica.

63
00:03:00,880 --> 00:03:03,919
Speaker 8: Done my vision board, I've reviewed. I write my goals

64
00:03:03,919 --> 00:03:06,040
Speaker 8: in my phone, like my resolutions, goals, whatever you want

65
00:03:06,040 --> 00:03:07,440
Speaker 8: to call them for. They my phone every year. So

66
00:03:07,480 --> 00:03:10,880
Speaker 8: I've reviewed last year's, made this year's. I sprin, cleaned

67
00:03:10,919 --> 00:03:13,760
Speaker 8: my hout like we're feeling for good.

68
00:03:13,800 --> 00:03:16,840
Speaker 2: Question is the Christmas tree down? Of course it is?

69
00:03:17,080 --> 00:03:20,280
Speaker 4: Oh my god, that is so depressing, Jessica. I have

70
00:03:20,320 --> 00:03:22,480
Speaker 4: to leave mine down until I have an argument with

71
00:03:22,520 --> 00:03:24,440
Speaker 4: my husband about it being up in February.

72
00:03:25,520 --> 00:03:27,960
Speaker 2: So what are you excited about right now for the

73
00:03:28,000 --> 00:03:30,639
Speaker 2: new year? Yeah, she's on the money.

74
00:03:31,040 --> 00:03:36,200
Speaker 8: Really obviously, I'm excited to just what am I?

75
00:03:36,400 --> 00:03:36,760
Speaker 2: Horrish?

76
00:03:39,600 --> 00:03:42,440
Speaker 8: The next holiday is a Valentine's Day, So right now

77
00:03:43,120 --> 00:03:47,200
Speaker 8: Valentine's Day, baking, Valentine's decorator. You know we're right on

78
00:03:47,240 --> 00:03:47,640
Speaker 8: a cycle.

79
00:03:47,800 --> 00:03:48,320
Speaker 2: Do you know what?

80
00:03:48,400 --> 00:03:51,440
Speaker 4: Now is the time to book in your Valentine's dinner? Like, Beck,

81
00:03:51,520 --> 00:03:53,560
Speaker 4: you're a romantic. It is so hard to get at

82
00:03:53,640 --> 00:03:56,440
Speaker 4: Valentine's Day dinner booking, so like now it's the time

83
00:03:56,520 --> 00:03:58,040
Speaker 4: to shine.

84
00:03:58,280 --> 00:04:02,440
Speaker 2: Ate No way, someone else is cooking on Valentine's Day?

85
00:04:02,520 --> 00:04:05,120
Speaker 2: Are you not cooking for somebody on Valentine's Day cooking?

86
00:04:05,360 --> 00:04:08,600
Speaker 2: I'm not getting booking anywhere, you know. Okay, okay, Park,

87
00:04:09,040 --> 00:04:12,760
Speaker 2: it's sun, it's grass, it's sweet romance.

88
00:04:13,400 --> 00:04:17,440
Speaker 4: Oh no, I need a fancy dinner, Like I want

89
00:04:17,440 --> 00:04:19,320
Speaker 4: to be wined and I want to be dying. And

90
00:04:19,360 --> 00:04:21,640
Speaker 4: I don't ask for that any other time of the year.

91
00:04:21,680 --> 00:04:21,920
Speaker 2: I don't.

92
00:04:22,040 --> 00:04:24,880
Speaker 4: I just don't simply don't care. But I want to

93
00:04:24,920 --> 00:04:27,480
Speaker 4: go out for Valentine's Day. I want to be trained

94
00:04:27,839 --> 00:04:32,960
Speaker 4: like a pretty princess. Like that's really lame, but yep,

95
00:04:33,160 --> 00:04:36,120
Speaker 4: like all of my feminist goals go out the window.

96
00:04:36,480 --> 00:04:37,760
Speaker 4: I need flowers.

97
00:04:37,920 --> 00:04:39,159
Speaker 2: I need to go out for dinner.

98
00:04:39,279 --> 00:04:41,239
Speaker 4: I need to be told that I'm the prettiest princess

99
00:04:41,240 --> 00:04:42,599
Speaker 4: that ever walked this planet.

100
00:04:42,600 --> 00:04:45,080
Speaker 2: On Valentine's Day, I think that's valet. I don't even

101
00:04:45,120 --> 00:04:48,400
Speaker 2: care if it's tacky. I am a commercial.

102
00:04:48,000 --> 00:04:55,120
Speaker 4: Dream rejoicing Victoria Devines and as well. But let's get

103
00:04:55,120 --> 00:04:57,720
Speaker 4: into it because New Year knew me. But we are

104
00:04:57,760 --> 00:05:00,800
Speaker 4: still harping on about our five star review because they

105
00:05:00,880 --> 00:05:03,880
Speaker 4: are so fun. This week, I have one for you,

106
00:05:03,920 --> 00:05:06,600
Speaker 4: and I feel like it sets the tone. Well, are

107
00:05:06,600 --> 00:05:09,880
Speaker 4: you ready? It's from Natalie Haya. This is the mood

108
00:05:09,920 --> 00:05:12,560
Speaker 4: we're taking into twenty twenty five or twenty twenty three.

109
00:05:12,680 --> 00:05:13,200
Speaker 2: You ready?

110
00:05:13,440 --> 00:05:16,240
Speaker 4: You girls are guaranteed to light up my day no

111
00:05:16,320 --> 00:05:20,160
Speaker 4: matter my mood, particularly if I've been feeling down. Your

112
00:05:20,240 --> 00:05:23,039
Speaker 4: cheery voices always make me feel better. Not only do

113
00:05:23,120 --> 00:05:25,120
Speaker 4: you come up with the facts and the helpful tips

114
00:05:25,160 --> 00:05:27,480
Speaker 4: and tricks, you come with a whole lot of empathy

115
00:05:27,560 --> 00:05:31,159
Speaker 4: and genuine support as well, and that really shines through.

116
00:05:31,520 --> 00:05:34,800
Speaker 4: This is so nice, But Victoria, you are a literal

117
00:05:34,920 --> 00:05:37,600
Speaker 4: ray of sunshine in human form and such a great

118
00:05:37,680 --> 00:05:40,600
Speaker 4: role model for women. Not to mention, of course, your

119
00:05:40,640 --> 00:05:44,960
Speaker 4: fabulous co hostesses Beck and Jess. Together, you guys make

120
00:05:45,000 --> 00:05:46,040
Speaker 4: an amazing.

121
00:05:45,640 --> 00:05:47,840
Speaker 2: Team, perfectly curated to make us.

122
00:05:47,760 --> 00:05:50,880
Speaker 4: Feel uplifted, seen, heard, and educated.

123
00:05:51,279 --> 00:05:54,600
Speaker 2: Love you all and so grateful for what you done

124
00:05:54,680 --> 00:05:57,680
Speaker 2: to Love you too, too, heart emojis.

125
00:05:57,320 --> 00:06:04,840
Speaker 5: They're so sweet, Natalie ever Yeah yeah, May, oh my god,

126
00:06:04,960 --> 00:06:08,279
Speaker 5: totally and like, honestly feeling seen and heard two of

127
00:06:08,360 --> 00:06:09,719
Speaker 5: I feel like the most important things.

128
00:06:10,360 --> 00:06:12,120
Speaker 4: And I feel like our community does that for us

129
00:06:12,160 --> 00:06:15,680
Speaker 4: as well. Really yeah, the second I read that, I

130
00:06:15,760 --> 00:06:16,040
Speaker 4: was like.

131
00:06:16,160 --> 00:06:18,720
Speaker 2: Oh, that's how I feel about our community.

132
00:06:19,080 --> 00:06:21,080
Speaker 4: I feel like I go there and anything that we're

133
00:06:21,120 --> 00:06:24,120
Speaker 4: struggling with or like wanting to chat about, everyone's like, yeah, girl,

134
00:06:24,160 --> 00:06:25,200
Speaker 4: what is it?

135
00:06:25,960 --> 00:06:27,520
Speaker 2: I really like that. It's so nice.

136
00:06:27,720 --> 00:06:29,479
Speaker 4: Like it's like when you call a friend and you're like,

137
00:06:29,480 --> 00:06:30,960
Speaker 4: what should I wear? I don't know and they're like,

138
00:06:31,040 --> 00:06:35,880
Speaker 4: I don't care, come as you and you're like, n exactly.

139
00:06:36,200 --> 00:06:38,160
Speaker 4: But I love this and I feel like we're going

140
00:06:38,200 --> 00:06:41,240
Speaker 4: to carry this energy past January.

141
00:06:41,360 --> 00:06:44,800
Speaker 2: Absolutely. I think we have been equipped with all the

142
00:06:44,800 --> 00:06:47,400
Speaker 2: tools we have been and we will continue to equip

143
00:06:47,440 --> 00:06:49,279
Speaker 2: you with even more tools this year.

144
00:06:49,360 --> 00:06:51,919
Speaker 4: You just wait this so much in store. I didn't

145
00:06:51,920 --> 00:06:54,840
Speaker 4: call it twenty twenty Thrive for Nothing but Miss Jess

146
00:06:54,960 --> 00:06:58,360
Speaker 4: Briacy Community, money wins and confessions. What do you bring

147
00:06:58,360 --> 00:07:01,680
Speaker 4: into the table this fancy new year already? Firstly, I've

148
00:07:01,680 --> 00:07:04,760
Speaker 4: got a lot of on theme with you know, refreshing, reviewing,

149
00:07:05,360 --> 00:07:07,280
Speaker 4: on brand correct, all the things we should be doing

150
00:07:07,279 --> 00:07:09,280
Speaker 4: at the moment. So firstly from Kendall, she said she

151
00:07:09,320 --> 00:07:12,320
Speaker 4: realized that the RSPCA was advertising a reduced rate on

152
00:07:12,400 --> 00:07:15,680
Speaker 4: pet insurance that was lower than what she's currently being charged.

153
00:07:15,960 --> 00:07:17,800
Speaker 4: She called up to query it and she's been given

154
00:07:17,920 --> 00:07:20,520
Speaker 4: the reduced rate and three months for free.

155
00:07:20,840 --> 00:07:23,240
Speaker 2: I love it. How good is that? Great?

156
00:07:23,520 --> 00:07:25,720
Speaker 8: Next, I've got money win from Audrey who's flying with

157
00:07:25,920 --> 00:07:28,840
Speaker 8: Virgin to Brisbane next year. It's a round trip and

158
00:07:28,880 --> 00:07:32,320
Speaker 8: she's used points from her flybys and credit card to

159
00:07:32,480 --> 00:07:34,800
Speaker 8: adults and a ten year old flying totally for free.

160
00:07:34,920 --> 00:07:36,840
Speaker 2: WHOA how good is that? Yeh?

161
00:07:37,120 --> 00:07:39,520
Speaker 8: Next, I've got a money win from April, she said,

162
00:07:39,520 --> 00:07:43,000
Speaker 8: money win. She managed to score a free school uniform.

163
00:07:43,440 --> 00:07:47,080
Speaker 8: She sold her previous uniform second hand, it was in

164
00:07:47,160 --> 00:07:49,560
Speaker 8: really good condition, and then she managed to find an

165
00:07:49,640 --> 00:07:56,280
Speaker 8: equally awesome condition uniform at the school shop. Crazy expensive.

166
00:07:56,320 --> 00:07:59,160
Speaker 8: I understand why parents are like, buy this blazer that's

167
00:07:59,200 --> 00:08:00,320
Speaker 8: ten sizes too big.

168
00:08:00,400 --> 00:08:07,720
Speaker 4: That okay, So confession New Year confession. Apologies to my mum.

169
00:08:07,840 --> 00:08:10,200
Speaker 4: This happened in grade seven, actually it would have been

170
00:08:10,200 --> 00:08:12,680
Speaker 4: grade six when I was picking my grade seven blazer.

171
00:08:12,920 --> 00:08:15,880
Speaker 4: The tantrum I had in the uniform shop because I

172
00:08:15,960 --> 00:08:18,040
Speaker 4: didn't want the blazer you wanted me to have and

173
00:08:18,080 --> 00:08:19,320
Speaker 4: I wanted the well fitted one.

174
00:08:19,520 --> 00:08:22,880
Speaker 2: I'm really sorry. Yeah, we get it loas and just

175
00:08:22,880 --> 00:08:24,080
Speaker 2: get like the same colored.

176
00:08:24,200 --> 00:08:28,880
Speaker 8: No logan. Ours had to be had to be logoed whatever.

177
00:08:28,960 --> 00:08:31,720
Speaker 8: They were very particular at our school, Like I see.

178
00:08:31,720 --> 00:08:32,400
Speaker 2: Very privileged.

179
00:08:32,440 --> 00:08:36,240
Speaker 4: I went to a Catholic school, so like the blazer

180
00:08:36,400 --> 00:08:40,239
Speaker 4: was like the thing beck if we were seen outside

181
00:08:40,240 --> 00:08:42,960
Speaker 4: of our school, so like after school with down the

182
00:08:43,040 --> 00:08:46,360
Speaker 4: shops not wearing our blazer, immediate detention.

183
00:08:46,559 --> 00:08:49,640
Speaker 2: It's so crazy, really immediate rule.

184
00:08:50,200 --> 00:08:52,840
Speaker 4: But if you were seen outside of school and you

185
00:08:52,840 --> 00:08:56,040
Speaker 4: were wearing your school dress without a blazer, done, you

186
00:08:56,080 --> 00:08:56,440
Speaker 4: were done.

187
00:08:56,600 --> 00:08:58,640
Speaker 2: Seems so portrayed to get written.

188
00:08:58,480 --> 00:09:00,920
Speaker 4: Up and people would like dip adop as well, that's me,

189
00:09:01,280 --> 00:09:03,959
Speaker 4: Like you yet called to the office and then be like, oh,

190
00:09:04,040 --> 00:09:06,440
Speaker 4: mister so and so from such and such as class

191
00:09:06,440 --> 00:09:09,240
Speaker 4: saw you at the coals and you were wearing your

192
00:09:09,280 --> 00:09:11,840
Speaker 4: blazer well when you were just going a jumper.

193
00:09:12,320 --> 00:09:17,440
Speaker 2: Oh well, how yes, you know, not by us, but

194
00:09:17,720 --> 00:09:21,440
Speaker 2: someone will give and it won't be Jess, but she'll

195
00:09:21,480 --> 00:09:23,640
Speaker 2: threaten it you really angrily.

196
00:09:23,720 --> 00:09:25,240
Speaker 8: No, our legacy was we had a winter in a

197
00:09:25,240 --> 00:09:29,320
Speaker 8: summer uniform, and so the girls winter and summer uniforms

198
00:09:29,320 --> 00:09:33,199
Speaker 8: were both skirts. You couldn't wear pants or shorts. And

199
00:09:33,280 --> 00:09:36,600
Speaker 8: so our friend group legacy was we petitioned and girls

200
00:09:36,640 --> 00:09:38,160
Speaker 8: at the school can now wear pants.

201
00:09:38,400 --> 00:09:39,679
Speaker 2: Really, I love that.

202
00:09:39,760 --> 00:09:41,959
Speaker 4: I remember that it was the biggest drama in the

203
00:09:42,120 --> 00:09:44,760
Speaker 4: entire world when one of the girls was like, I'm

204
00:09:44,760 --> 00:09:46,959
Speaker 4: not comfortable in a skirt and wanted to wear the

205
00:09:47,000 --> 00:09:49,320
Speaker 4: pants that boys talent, so she just bought them and

206
00:09:49,400 --> 00:09:54,000
Speaker 4: started wearing them. Riot actually insane also the time, and

207
00:09:54,040 --> 00:09:56,960
Speaker 4: this is probably not what my ex school wants to

208
00:09:57,080 --> 00:10:00,720
Speaker 4: be perpetuated, the time that they suspended a from my

209
00:10:00,840 --> 00:10:04,040
Speaker 4: class because he came to school with a shaved head

210
00:10:04,120 --> 00:10:06,560
Speaker 4: and you weren't allowed a shaved head at our school

211
00:10:06,920 --> 00:10:09,160
Speaker 4: because like part of the uniform was like your hair

212
00:10:09,200 --> 00:10:11,000
Speaker 4: had to be a minimum of two centimeters long or

213
00:10:11,040 --> 00:10:13,520
Speaker 4: something for the boys. Right, wild, But he had a

214
00:10:13,520 --> 00:10:15,760
Speaker 4: shaved head because he'd raised money for cancer.

215
00:10:15,960 --> 00:10:21,680
Speaker 2: Oh really, yeah, I know that. Yeah, of course they like.

216
00:10:21,880 --> 00:10:23,720
Speaker 4: And even if they didn't know that, and they called

217
00:10:23,760 --> 00:10:25,480
Speaker 4: him to the office, like what is he going to

218
00:10:25,559 --> 00:10:27,720
Speaker 4: sit there and not say anything, he would have been like, dude,

219
00:10:27,840 --> 00:10:30,439
Speaker 4: I shaved my head on the weekend to raise money

220
00:10:30,440 --> 00:10:33,640
Speaker 4: for leukemia, Like be for real. And they still did

221
00:10:33,640 --> 00:10:38,240
Speaker 4: it and it made the news so good. That's not

222
00:10:38,400 --> 00:10:40,720
Speaker 4: to mention the time that one of the ex teachers

223
00:10:40,760 --> 00:10:42,079
Speaker 4: married one of the students.

224
00:10:42,240 --> 00:10:44,520
Speaker 2: Oh yeah, that was good. I will send you the

225
00:10:44,600 --> 00:10:47,240
Speaker 2: links this Oh God, this is Jesus.

226
00:10:47,600 --> 00:10:51,040
Speaker 8: School was catholicing thoughts and prayers to everyone going back

227
00:10:51,040 --> 00:10:51,480
Speaker 8: to school.

228
00:10:52,120 --> 00:10:57,080
Speaker 2: We need you to elaborate after Jesse, I'll let you know, Jessicat,

229
00:10:57,080 --> 00:10:58,000
Speaker 2: what else have you got next?

230
00:10:58,040 --> 00:11:01,240
Speaker 8: I've got money in from Samantha, who said money balanced.

231
00:11:01,480 --> 00:11:03,720
Speaker 8: She had a money lost she bought a costc membership,

232
00:11:03,720 --> 00:11:04,600
Speaker 8: which would argue.

233
00:11:04,480 --> 00:11:06,920
Speaker 4: That's not a money lost, that's an investment in your

234
00:11:07,120 --> 00:11:08,080
Speaker 4: like that's an activity.

235
00:11:08,400 --> 00:11:10,719
Speaker 2: She said, money counterbalance, Like, she only left with a

236
00:11:10,720 --> 00:11:12,920
Speaker 2: pizza and a hot chook. So I'm chok.

237
00:11:13,600 --> 00:11:16,480
Speaker 4: They you know the hot chooks, they're like four ninety

238
00:11:16,559 --> 00:11:17,240
Speaker 4: nine at Costco.

239
00:11:17,360 --> 00:11:20,000
Speaker 8: Oh really, that's a good deal. That's a good deal.

240
00:11:20,040 --> 00:11:21,640
Speaker 8: They lose what is it called they lose money?

241
00:11:22,080 --> 00:11:22,320
Speaker 2: Money?

242
00:11:23,679 --> 00:11:23,880
Speaker 4: Yeah?

243
00:11:24,920 --> 00:11:27,240
Speaker 2: Say they like lose money as soon as they leave

244
00:11:27,280 --> 00:11:28,079
Speaker 2: the you know.

245
00:11:28,760 --> 00:11:34,120
Speaker 4: Can't yeah, and I can't resell it.

246
00:11:34,520 --> 00:11:38,320
Speaker 2: Yeah, it's already three ninety nine. What the hell? Costco

247
00:11:38,360 --> 00:11:39,160
Speaker 2: pizza is so good?

248
00:11:39,160 --> 00:11:41,080
Speaker 8: If I had a membership, just go buy a cost

249
00:11:41,120 --> 00:11:42,960
Speaker 8: Co pizza for dinner because they're so big anyway.

250
00:11:43,440 --> 00:11:45,880
Speaker 2: Next, I've got a money win. I'm surprised Jessica doesn't

251
00:11:45,880 --> 00:11:48,440
Speaker 2: have a Costcome membership. I'm shocked by that too. I'm horrified.

252
00:11:48,520 --> 00:11:51,280
Speaker 2: Our friends have a Costcome membership, so we use them. Yes,

253
00:11:52,240 --> 00:11:54,920
Speaker 2: there was always good she's getting in the.

254
00:11:58,160 --> 00:12:00,120
Speaker 8: Next, I've got money win from Amy, who said she

255
00:12:00,120 --> 00:12:02,640
Speaker 8: didn't realize there was such a thing as Microsoft points,

256
00:12:02,640 --> 00:12:06,080
Speaker 8: which I also had never So apparently you can earn

257
00:12:06,120 --> 00:12:09,160
Speaker 8: points for doing things like using their native search engine,

258
00:12:09,160 --> 00:12:11,480
Speaker 8: which is being and then you can then cash them

259
00:12:11,480 --> 00:12:15,640
Speaker 8: in for gift cards. So apparently she's inadvertently earned herself

260
00:12:15,720 --> 00:12:18,240
Speaker 8: enough points to get fifty bucks off her next Airbnb.

261
00:12:18,679 --> 00:12:22,719
Speaker 2: Okay, so you just have to use bing. Apparently that's

262
00:12:22,720 --> 00:12:25,560
Speaker 2: one of the ways I sorry, I really diluted that.

263
00:12:26,000 --> 00:12:28,560
Speaker 4: I'm sure there's more, there's more to it, but like

264
00:12:28,679 --> 00:12:29,560
Speaker 4: you have to use bing?

265
00:12:29,800 --> 00:12:30,640
Speaker 2: Is it so funny?

266
00:12:30,920 --> 00:12:31,120
Speaker 5: I know.

267
00:12:31,200 --> 00:12:33,319
Speaker 2: That's the thing is that I remember my story one

268
00:12:33,320 --> 00:12:35,720
Speaker 2: time was like, sorry, Microsoft, she's a ten.

269
00:12:35,640 --> 00:12:41,040
Speaker 6: But bing is her. You know, Bing is the future.

270
00:12:41,120 --> 00:12:42,440
Speaker 6: So I'm so sorry to anybody.

271
00:12:43,000 --> 00:12:44,040
Speaker 2: It's called I did look it up.

272
00:12:44,080 --> 00:12:46,640
Speaker 8: It's called Microsoft for rewards, so you can earn rewards

273
00:12:46,640 --> 00:12:48,679
Speaker 8: by simply doing what you love to do.

274
00:12:48,760 --> 00:12:51,160
Speaker 4: So I'm just trying to wrap my head around fly By,

275
00:12:51,440 --> 00:12:54,040
Speaker 4: like I can't get Yes, that's incredible.

276
00:12:54,080 --> 00:12:56,000
Speaker 8: Though, if you want to stack on a new you know,

277
00:12:56,040 --> 00:12:58,079
Speaker 8: point system, or if you're already being user, I'm sure

278
00:12:58,080 --> 00:13:00,000
Speaker 8: there's people out there you can be earning.

279
00:13:00,160 --> 00:13:01,880
Speaker 2: There, go show yourselves.

280
00:13:03,640 --> 00:13:05,640
Speaker 8: And lastly, this week I've got money in from Meg

281
00:13:05,800 --> 00:13:08,160
Speaker 8: who said money in. She swopped from telt to Optors.

282
00:13:08,160 --> 00:13:10,640
Speaker 8: She's on the exact same plan with the exact same data,

283
00:13:10,720 --> 00:13:12,680
Speaker 8: but she's saving herself forty bucks a month.

284
00:13:12,800 --> 00:13:17,080
Speaker 4: Money new phone plan.

285
00:13:17,800 --> 00:13:19,640
Speaker 2: Yes, now is the time.

286
00:13:19,760 --> 00:13:24,240
Speaker 4: Now's the timeime plan, new insurances. We are cleaning financial house.

287
00:13:24,720 --> 00:13:27,840
Speaker 4: We're setting ourselves up for success. If you got an

288
00:13:27,880 --> 00:13:31,199
Speaker 4: email the same as me saying Apple took a subscription

289
00:13:31,320 --> 00:13:32,959
Speaker 4: amount and you don't know what it's for.

290
00:13:33,920 --> 00:13:36,880
Speaker 2: Now is the time? Yes, figure it work out? Why

291
00:13:37,000 --> 00:13:38,600
Speaker 2: figure it out?

292
00:13:38,640 --> 00:13:39,520
Speaker 5: You are doing?

293
00:13:39,720 --> 00:13:44,600
Speaker 2: Put your big girl pants on? All right? Well? Moving on, Beck, Yes,

294
00:13:45,400 --> 00:13:47,920
Speaker 2: new year, new broke tip. What have you got? Okay?

295
00:13:47,960 --> 00:13:52,040
Speaker 6: So I was thinking that when I first started broke

296
00:13:52,120 --> 00:13:54,840
Speaker 6: tips in my brain they were going to be unhinged.

297
00:13:55,000 --> 00:13:56,920
Speaker 2: So I'm thinking for week.

298
00:13:56,960 --> 00:14:03,040
Speaker 6: They happy, happy, they could be slightly more unhinged.

299
00:14:04,200 --> 00:14:07,200
Speaker 4: I'm thinking and tips that nobody's ever going to do

300
00:14:07,280 --> 00:14:08,720
Speaker 4: what exactly.

301
00:14:08,760 --> 00:14:10,920
Speaker 2: But you know what's crazy is that I've always I

302
00:14:10,920 --> 00:14:14,360
Speaker 2: had always done these things and didn't think that they

303
00:14:14,360 --> 00:14:15,440
Speaker 2: were weird or whatever.

304
00:14:15,480 --> 00:14:17,800
Speaker 4: You know what I mean anyway, So it's just like

305
00:14:17,840 --> 00:14:21,280
Speaker 4: when people eat like the skin of the kiwi fruit bizarre,

306
00:14:21,720 --> 00:14:25,200
Speaker 4: or like the tops of the strawberries, like the strawberries.

307
00:14:25,800 --> 00:14:29,440
Speaker 2: What are you a hamster? Sometimes I feel like one,

308
00:14:29,640 --> 00:14:33,840
Speaker 2: just on the hamster wheel tops the tops of carrots. No,

309
00:14:34,440 --> 00:14:37,680
Speaker 2: I couldn't if I tried. If you couldn't if you tried.

310
00:14:37,800 --> 00:14:41,920
Speaker 2: So that's quite corky. What's the word like? Woody? Is it?

311
00:14:41,920 --> 00:14:44,400
Speaker 2: It's fine? Yeah, that's true. Well I'll go I'll start.

312
00:14:44,480 --> 00:14:46,600
Speaker 6: I'll start right, fine, I don't black bit at the

313
00:14:46,640 --> 00:14:48,520
Speaker 6: end of the banana, if you guys do.

314
00:14:48,520 --> 00:14:52,440
Speaker 4: Okay, that's unhinged all that you have to pull that out. No, no,

315
00:14:52,520 --> 00:14:54,000
Speaker 4: the black bit at the end of the banana is

316
00:14:54,040 --> 00:14:56,040
Speaker 4: where I draw my line back chills.

317
00:14:56,080 --> 00:14:58,000
Speaker 2: All right, So tell me about your broke tips.

318
00:14:58,120 --> 00:15:00,560
Speaker 6: All that to say, I can't promise every single week

319
00:15:00,560 --> 00:15:03,320
Speaker 6: they'll be unhinged, but this week they're a little bit unhinged.

320
00:15:03,880 --> 00:15:05,880
Speaker 6: So this first one comes from MND. This one is

321
00:15:05,920 --> 00:15:08,120
Speaker 6: not unhinged, of course. I make a wish list on

322
00:15:08,320 --> 00:15:11,320
Speaker 6: Cartered and wait for things to go on sale. What

323
00:15:11,520 --> 00:15:13,800
Speaker 6: is carted and why haven't ever used it? I'm gonna

324
00:15:13,800 --> 00:15:14,160
Speaker 6: start now.

325
00:15:14,640 --> 00:15:18,520
Speaker 8: It's a plug in online, I believe so. They it's

326
00:15:18,560 --> 00:15:20,720
Speaker 8: one of those platforms where you can It's really handed

327
00:15:20,720 --> 00:15:22,360
Speaker 8: because you can link things you want. So it's great

328
00:15:22,400 --> 00:15:24,120
Speaker 8: if you have people who go, what do you want

329
00:15:24,120 --> 00:15:26,360
Speaker 8: for your birthday? You can keep like a running list.

330
00:15:26,440 --> 00:15:28,480
Speaker 8: Also very good for putting twenty four hours between you

331
00:15:28,520 --> 00:15:31,000
Speaker 8: and you're spending. Yes, But the really good thing is

332
00:15:31,040 --> 00:15:35,320
Speaker 8: it notifies you when things go on sale. So if

333
00:15:35,360 --> 00:15:36,600
Speaker 8: you go, oh, I really want to die some air

334
00:15:36,640 --> 00:15:38,600
Speaker 8: ap but I don't want to pay full price for it,

335
00:15:38,600 --> 00:15:40,360
Speaker 8: You put it in and then you get a notification

336
00:15:40,560 --> 00:15:43,080
Speaker 8: if it finds it discounted anywhere, which is pretty clearly.

337
00:15:43,200 --> 00:15:45,280
Speaker 2: Yeah, that's great. So it's like it doesn't have to

338
00:15:45,320 --> 00:15:46,840
Speaker 2: be on the website that you saved it.

339
00:15:46,840 --> 00:15:50,760
Speaker 6: It could be anywhere on the web. Yeah, that's really cool,

340
00:15:51,120 --> 00:15:53,440
Speaker 6: Thank you, Amanda. The next one comes from B, who

341
00:15:53,480 --> 00:15:55,280
Speaker 6: says if you sign up at Point of Fitness, you

342
00:15:55,320 --> 00:15:58,160
Speaker 6: can bring a friend for free anytime during staffing hours,

343
00:15:58,160 --> 00:16:00,360
Speaker 6: which I think is great and it doesn't seem like

344
00:16:00,640 --> 00:16:03,800
Speaker 6: from what I'm reading. B says that it's not like

345
00:16:04,680 --> 00:16:07,240
Speaker 6: it hasn't said this. Sorry if I've inferred this. It's

346
00:16:07,280 --> 00:16:07,720
Speaker 6: not like a.

347
00:16:08,520 --> 00:16:10,040
Speaker 2: Kind of like a promotion or anything like that. It's

348
00:16:10,040 --> 00:16:11,160
Speaker 2: just like an an ongoing you can.

349
00:16:12,200 --> 00:16:16,640
Speaker 6: You could literally share a membership. There a limit to

350
00:16:16,680 --> 00:16:17,760
Speaker 6: how many friends you limit?

351
00:16:18,280 --> 00:16:20,280
Speaker 8: Well, yeah, because in my mind I'm like, well, surely

352
00:16:20,320 --> 00:16:22,320
Speaker 8: people just split a gym membership and you know.

353
00:16:22,360 --> 00:16:24,040
Speaker 4: Yeah, you'd have to be smart about it though, because

354
00:16:24,040 --> 00:16:26,680
Speaker 4: you'd have to go together, always.

355
00:16:26,480 --> 00:16:29,000
Speaker 2: Always together, and always do during staffed hours.

356
00:16:29,080 --> 00:16:32,400
Speaker 4: So it's like, I mean, that's where possible, that's possible.

357
00:16:32,440 --> 00:16:35,680
Speaker 4: That's completely possible. What if you're in a relationship perfect.

358
00:16:35,440 --> 00:16:38,560
Speaker 6: Perfect, you could conceivably be spending half price on a

359
00:16:38,600 --> 00:16:39,400
Speaker 6: gym membership for.

360
00:16:39,440 --> 00:16:41,960
Speaker 2: I think that's a very good tip. Yeah, that is

361
00:16:42,000 --> 00:16:43,000
Speaker 2: really good. That's good.

362
00:16:43,760 --> 00:16:46,040
Speaker 6: So obviously this next one is mine. But my friend

363
00:16:46,800 --> 00:16:49,440
Speaker 6: who I work with reminded me that this is something

364
00:16:49,480 --> 00:16:52,840
Speaker 6: I actually used to do a lot so and I'm

365
00:16:52,880 --> 00:16:53,880
Speaker 6: sure a lot of people do this.

366
00:16:53,920 --> 00:16:55,320
Speaker 2: I feel like it was a trend back in the

367
00:16:55,400 --> 00:16:56,840
Speaker 2: day at I E.

368
00:16:56,880 --> 00:17:02,040
Speaker 6: Actually days ago that was wiry sandwich bag tires can

369
00:17:02,040 --> 00:17:04,520
Speaker 6: hold a sandal together, fears genuinely, And I know that

370
00:17:04,560 --> 00:17:07,200
Speaker 6: sounds dumb because like you just buy a new sandals

371
00:17:07,760 --> 00:17:09,320
Speaker 6: metal its metal exactly.

372
00:17:09,320 --> 00:17:11,680
Speaker 4: And also also they're changing all the sandwich ties to

373
00:17:11,720 --> 00:17:13,240
Speaker 4: being cardboards, so this is going to.

374
00:17:13,280 --> 00:17:14,800
Speaker 2: Be yes, well that's very true.

375
00:17:15,200 --> 00:17:17,080
Speaker 4: That doesn't work out, but yes, yes.

376
00:17:17,119 --> 00:17:19,400
Speaker 6: But also I was thinking, like when I first read

377
00:17:19,840 --> 00:17:22,359
Speaker 6: his message, I was like wire, and then I thought

378
00:17:22,359 --> 00:17:25,000
Speaker 6: of like when you get like a sandwich bag of ziploc.

379
00:17:24,680 --> 00:17:26,439
Speaker 2: Ones, and I was like, oh, yeah, I guess.

380
00:17:26,320 --> 00:17:27,560
Speaker 4: You could do that, And so I thought we were

381
00:17:27,600 --> 00:17:30,560
Speaker 4: talking about the like little wires, like a little bit size.

382
00:17:31,000 --> 00:17:34,000
Speaker 2: Twist tie and also the clippy. Yes.

383
00:17:34,400 --> 00:17:36,760
Speaker 6: All I'm trying to say is just forget about what

384
00:17:36,800 --> 00:17:40,040
Speaker 6: people say. Don't worry about social rules, the arbitrary. If

385
00:17:40,040 --> 00:17:42,680
Speaker 6: there's a way to fix something, whether it's duct tape.

386
00:17:42,760 --> 00:17:46,160
Speaker 4: Oh, fixing that is a good boat tip though, because

387
00:17:46,200 --> 00:17:48,320
Speaker 4: how many of us just go, oh, I could never

388
00:17:48,359 --> 00:17:49,920
Speaker 4: do that, but then you don't even try.

389
00:17:50,119 --> 00:17:51,320
Speaker 2: Yeah, yeah, you can do it.

390
00:17:51,359 --> 00:17:54,640
Speaker 4: There's a YouTube tutorial for anything. You can probably fix

391
00:17:54,680 --> 00:17:55,160
Speaker 4: it totally.

392
00:17:55,160 --> 00:17:56,720
Speaker 6: And I know if they's four, but anytime I would

393
00:17:56,720 --> 00:17:59,040
Speaker 6: get like I actually did wear stockings in high school

394
00:17:59,080 --> 00:18:01,080
Speaker 6: and sometimes they'd rip, I would literally color my leg

395
00:18:01,080 --> 00:18:02,360
Speaker 6: in black.

396
00:18:03,400 --> 00:18:04,520
Speaker 2: That yeah, totally.

397
00:18:04,600 --> 00:18:07,040
Speaker 8: I still do doing that with my runners currently. My

398
00:18:07,160 --> 00:18:10,480
Speaker 8: runners are like they're that mesh. And they started to

399
00:18:10,520 --> 00:18:12,760
Speaker 8: tear really soon after I got them, and I was like, well,

400
00:18:12,760 --> 00:18:14,159
Speaker 8: I'm not buying new ones.

401
00:18:14,200 --> 00:18:16,080
Speaker 2: Oh my gosh, mine did that too, but I sewed

402
00:18:16,160 --> 00:18:16,840
Speaker 2: them back up.

403
00:18:17,080 --> 00:18:20,360
Speaker 8: Oh my, it was very like holy, so I couldn't

404
00:18:20,600 --> 00:18:22,200
Speaker 8: and then I just left it. And now there's literally

405
00:18:22,240 --> 00:18:24,439
Speaker 8: like ten holes on my shoes and everyone looks at

406
00:18:24,440 --> 00:18:30,640
Speaker 8: them and they're like why why also socks instead of black,

407
00:18:30,680 --> 00:18:32,199
Speaker 8: so instead of wearing white socks and you could see them

408
00:18:32,240 --> 00:18:33,440
Speaker 8: through I just started wearing black socks.

409
00:18:33,520 --> 00:18:34,040
Speaker 2: Yea.

410
00:18:34,400 --> 00:18:38,040
Speaker 4: Literally the story of honestly, this is a story of values,

411
00:18:38,040 --> 00:18:40,359
Speaker 4: because miss jessic Ricci, I know what you earn, I

412
00:18:40,440 --> 00:18:42,560
Speaker 4: know what's in your savings account, and I know what

413
00:18:42,600 --> 00:18:46,000
Speaker 4: you're disposable income hooks, like you can afford new shoes,

414
00:18:46,000 --> 00:18:48,040
Speaker 4: but you're like that is not worth it. And I

415
00:18:48,119 --> 00:18:50,360
Speaker 4: think that that is iconic totally.

416
00:18:50,680 --> 00:18:52,480
Speaker 6: Your motto is if it ain't broke, don't fix it,

417
00:18:52,520 --> 00:18:53,720
Speaker 6: and if it is broke, don't.

418
00:18:53,520 --> 00:18:57,400
Speaker 2: Don't fix it with just use it.

419
00:18:57,800 --> 00:19:00,000
Speaker 8: Just use it, Just use it, you know, no worry,

420
00:19:00,600 --> 00:19:02,840
Speaker 8: you know what broke. Actually, so I'm getting so off topic,

421
00:19:02,880 --> 00:19:05,159
Speaker 8: but personal anecdote. My we spoke up to the podcast

422
00:19:05,240 --> 00:19:09,119
Speaker 8: my beloved Topp ofwar rice Mia what happened.

423
00:19:09,680 --> 00:19:13,920
Speaker 2: So there's like it has the lid.

424
00:19:13,880 --> 00:19:16,400
Speaker 8: And there's two handles that clip down to the lid

425
00:19:16,520 --> 00:19:18,680
Speaker 8: so the steam doesn't push the lid off. One of

426
00:19:18,720 --> 00:19:21,199
Speaker 8: the handles broke. No, I'm still using it.

427
00:19:21,200 --> 00:19:21,960
Speaker 2: I don't care. I lost.

428
00:19:22,200 --> 00:19:25,399
Speaker 4: Yes, it would still work right, Yeah, once it's a

429
00:19:25,400 --> 00:19:26,760
Speaker 4: little bit loose, but.

430
00:19:26,760 --> 00:19:28,160
Speaker 2: Does it matter? Does the rice cook?

431
00:19:28,240 --> 00:19:28,359
Speaker 1: Well?

432
00:19:28,480 --> 00:19:29,719
Speaker 2: So far? Yes, not broken.

433
00:19:30,040 --> 00:19:32,199
Speaker 8: That's what I totally chuck it. Just looks differing of

434
00:19:32,240 --> 00:19:34,240
Speaker 8: water on top. I tried looking to find one. I

435
00:19:34,240 --> 00:19:35,600
Speaker 8: found it was one hundred dollars.

436
00:19:35,880 --> 00:19:38,480
Speaker 2: Absolutely not, no, sir, No, So what is this? Is

437
00:19:38,480 --> 00:19:39,560
Speaker 2: this just like a little.

438
00:19:39,320 --> 00:19:42,560
Speaker 4: Shameless call out if anyone has an old tupperware rice

439
00:19:42,640 --> 00:19:47,920
Speaker 4: cooker by slide into Jessica's GMS with a fair price, okay,

440
00:19:48,000 --> 00:19:50,399
Speaker 4: and she's she's probably going to invest in that, but

441
00:19:50,480 --> 00:19:51,639
Speaker 4: she won't invest in her shoes.

442
00:19:51,720 --> 00:19:54,720
Speaker 2: No, god, no, I really agree. If it works, it

443
00:19:54,760 --> 00:19:56,080
Speaker 2: works totally totally.

444
00:19:56,119 --> 00:19:58,439
Speaker 6: And if you have new shoes that you want to give, yes,

445
00:19:58,560 --> 00:19:59,720
Speaker 6: don't tell her because she doesn't wander.

446
00:20:00,160 --> 00:20:01,840
Speaker 2: But the rice cookerd definitely. Can you just put something

447
00:20:01,880 --> 00:20:04,159
Speaker 2: heavy on top? No, there's holes for the steam to

448
00:20:04,160 --> 00:20:06,000
Speaker 2: come out. You know, I'll look into it, look into it,

449
00:20:06,080 --> 00:20:09,240
Speaker 2: we'll work it. Sorry, broke, don't fix it.

450
00:20:09,280 --> 00:20:11,440
Speaker 4: If it is broke, don't fix it completely.

451
00:20:11,480 --> 00:20:13,720
Speaker 2: So let's do it from a really quick break.

452
00:20:14,000 --> 00:20:15,800
Speaker 4: And on the flip side, we're going to be talking

453
00:20:15,840 --> 00:20:18,879
Speaker 4: about what happens to your hex step if you're not

454
00:20:18,920 --> 00:20:20,080
Speaker 4: going to be able to pay it off, like are

455
00:20:20,080 --> 00:20:22,840
Speaker 4: you going to be in hext step forever? And something

456
00:20:22,840 --> 00:20:24,919
Speaker 4: that you slid into our dms about should you be

457
00:20:24,960 --> 00:20:27,280
Speaker 4: paying for an accident that happened while you're helping a

458
00:20:27,320 --> 00:20:29,600
Speaker 4: friend out with something that they maybe should have just

459
00:20:29,600 --> 00:20:30,639
Speaker 4: been paying a professional for.

460
00:20:31,920 --> 00:20:38,200
Speaker 2: Don't go anywhere. Welcome back everyone. Let's take a listen

461
00:20:38,280 --> 00:20:44,120
Speaker 2: to the first money dilemma of the year. Hi, there, have.

462
00:20:44,160 --> 00:20:46,439
Speaker 4: You got a money dilemma you just can't solve? The

463
00:20:46,520 --> 00:20:49,480
Speaker 4: Sheese on the Money team is here to help. Every week,

464
00:20:49,560 --> 00:20:52,359
Speaker 4: we tackle your dilemmas, both big and small, to answer

465
00:20:52,400 --> 00:20:56,080
Speaker 4: your most burning money, career and life questions. To get involved,

466
00:20:56,080 --> 00:20:58,240
Speaker 4: simply head to our website and leave us a short

467
00:20:58,280 --> 00:21:01,520
Speaker 4: voice recording and you might just find youself on the show. Now,

468
00:21:01,640 --> 00:21:06,600
Speaker 4: let's take a listen to this week's money dilemma, Victoria.

469
00:21:06,720 --> 00:21:09,040
Speaker 7: You recently said on the podcast that there are some

470
00:21:09,160 --> 00:21:12,680
Speaker 7: people who will just never pay off their hex. How

471
00:21:12,720 --> 00:21:14,639
Speaker 7: do you work out if you're one of those people?

472
00:21:15,560 --> 00:21:20,280
Speaker 7: I earn around sixty thousand dollars a year working part time,

473
00:21:21,280 --> 00:21:25,200
Speaker 7: and I have a hex step of thirty thousand dollars.

474
00:21:25,640 --> 00:21:27,840
Speaker 7: I'm wondering if I'm one of those people.

475
00:21:28,240 --> 00:21:30,879
Speaker 2: Thanks, I did say that on the show, didn't I?

476
00:21:31,520 --> 00:21:33,200
Speaker 2: I did? I back it up.

477
00:21:33,240 --> 00:21:37,000
Speaker 4: There are definitely some people who will never pay off

478
00:21:37,040 --> 00:21:39,600
Speaker 4: their heck steps and that sounds terrifying, but I think

479
00:21:39,640 --> 00:21:42,480
Speaker 4: we need to contextualize it a little bit as well,

480
00:21:42,920 --> 00:21:48,200
Speaker 4: because in Australia our hex slash help loan scheme, while

481
00:21:48,240 --> 00:21:50,439
Speaker 4: it doesn't have interest that gets added to it, it

482
00:21:50,480 --> 00:21:54,040
Speaker 4: does have indexation. And if obviously there's been a lot

483
00:21:54,040 --> 00:21:55,960
Speaker 4: of talk, like last year we were talking about how

484
00:21:56,080 --> 00:21:58,720
Speaker 4: ridiculous the indexation was. It was that like seven point

485
00:21:58,760 --> 00:22:02,359
Speaker 4: one percent, which was unhind but on average over the

486
00:22:02,440 --> 00:22:06,800
Speaker 4: last thirty years, the average help slash hex debt indexation

487
00:22:06,960 --> 00:22:09,119
Speaker 4: sits at about two point seven percent, So like we

488
00:22:09,160 --> 00:22:11,560
Speaker 4: can spread that across our lifetimes and use that as

489
00:22:11,640 --> 00:22:15,320
Speaker 4: kind of like the average indexation rate, which could be

490
00:22:15,359 --> 00:22:18,640
Speaker 4: interchanged if you really wanted to, with an interest rate.

491
00:22:18,720 --> 00:22:21,040
Speaker 4: And in this situation when it comes to debt repayment,

492
00:22:21,040 --> 00:22:23,000
Speaker 4: we're just going to look at it as that's the

493
00:22:23,040 --> 00:22:25,560
Speaker 4: interest rate that it's going to grow by. Now this

494
00:22:25,680 --> 00:22:27,840
Speaker 4: community member has written in and said, hey, v I'm

495
00:22:27,880 --> 00:22:29,679
Speaker 4: one of these people, Like I have a sixty thousand

496
00:22:29,680 --> 00:22:31,520
Speaker 4: dollars income, I work part time, and I have a

497
00:22:31,520 --> 00:22:34,080
Speaker 4: thirty thousand dollars hex. Now I'm going to assume that

498
00:22:34,160 --> 00:22:37,040
Speaker 4: you earn that full sixty thousand dollars a year. That's

499
00:22:37,080 --> 00:22:39,080
Speaker 4: like your part time income. It's not like pro rata.

500
00:22:39,680 --> 00:22:43,920
Speaker 4: Just taking it as pace value. Thirty thousand dollars hextebt

501
00:22:44,040 --> 00:22:47,320
Speaker 4: means that you are probably paying back each and every

502
00:22:47,320 --> 00:22:49,680
Speaker 4: single year about six hundred dollars worth of your HEX debt,

503
00:22:50,400 --> 00:22:53,000
Speaker 4: which I'm really sorry, means you will have your hextet

504
00:22:53,040 --> 00:22:54,679
Speaker 4: for life. I'm going to open it up to you

505
00:22:54,800 --> 00:22:58,000
Speaker 4: too before I give the solution or the conversation.

506
00:22:58,720 --> 00:23:00,200
Speaker 2: How does that make you feel.

507
00:23:00,080 --> 00:23:02,239
Speaker 4: Thinking that there are people in our community that are

508
00:23:02,280 --> 00:23:04,119
Speaker 4: never going to pay off their hex debt, or that

509
00:23:04,520 --> 00:23:07,680
Speaker 4: are always going to have this quote debt looming over them.

510
00:23:08,080 --> 00:23:10,320
Speaker 2: Thankful that I didn't go to university.

511
00:23:11,440 --> 00:23:14,520
Speaker 4: You're like, it pays to be uneducated by I mean,

512
00:23:14,640 --> 00:23:17,520
Speaker 4: I think that it would annoy me knowing that the

513
00:23:17,560 --> 00:23:19,800
Speaker 4: debt was there, and knowing that, like every year for

514
00:23:19,840 --> 00:23:22,679
Speaker 4: the rest of your life, you're contributing whatever amount.

515
00:23:22,440 --> 00:23:24,520
Speaker 2: Six hundred bucks a year at this point, yeah, which.

516
00:23:24,600 --> 00:23:27,640
Speaker 8: Is not a small amount of money, like especially when

517
00:23:27,680 --> 00:23:29,760
Speaker 8: it's not or it would I imagine it would feel

518
00:23:29,760 --> 00:23:31,320
Speaker 8: like you're not putting a dent in one you know,

519
00:23:31,480 --> 00:23:32,840
Speaker 8: You're like, oh, well, what am I just going to

520
00:23:32,880 --> 00:23:35,080
Speaker 8: pay six hundred dollars and it's going to increase? Is

521
00:23:35,160 --> 00:23:37,560
Speaker 8: it's indexed you know, every year for the rest of

522
00:23:37,560 --> 00:23:41,400
Speaker 8: my life. That seems really annoying to me. I mean,

523
00:23:41,440 --> 00:23:44,440
Speaker 8: I guess on the flip side, is it the cost

524
00:23:44,440 --> 00:23:45,160
Speaker 8: of your education?

525
00:23:45,359 --> 00:23:46,760
Speaker 2: Like you could make extra contribution.

526
00:23:46,840 --> 00:23:48,400
Speaker 8: I don't like it, but we know that I don't

527
00:23:48,440 --> 00:23:50,920
Speaker 8: love like debt makes me feel little wicky, just generally,

528
00:23:51,000 --> 00:23:52,920
Speaker 8: like because of my past experience with it. I don't

529
00:23:52,960 --> 00:23:55,480
Speaker 8: love having it if I can avoid it. But it's

530
00:23:55,480 --> 00:23:57,160
Speaker 8: like one of those things at the same time where

531
00:23:57,320 --> 00:24:00,080
Speaker 8: at least it doesn't pass on to somebody else s

532
00:24:00,080 --> 00:24:03,040
Speaker 8: which I think you're in or somebody here if I

533
00:24:03,119 --> 00:24:05,600
Speaker 8: passed away, it's not going to become someone else's burden.

534
00:24:06,400 --> 00:24:08,639
Speaker 8: But I mean, like, unless you want to make extra contributions,

535
00:24:08,640 --> 00:24:09,159
Speaker 8: what can you do?

536
00:24:09,400 --> 00:24:09,560
Speaker 1: You know?

537
00:24:10,080 --> 00:24:11,320
Speaker 8: I feel like all of those things that'say, well, well

538
00:24:11,320 --> 00:24:14,280
Speaker 8: you stuck between a rock and a hard place totally.

539
00:24:14,520 --> 00:24:15,760
Speaker 2: But I did go to UNI.

540
00:24:15,960 --> 00:24:18,679
Speaker 6: I didn't ever actually finish anything, as you guys know,

541
00:24:18,800 --> 00:24:23,520
Speaker 6: but so I do have like random bits of units.

542
00:24:23,880 --> 00:24:26,320
Speaker 2: Yes, sorry, you know what, Actually it's crazy.

543
00:24:26,320 --> 00:24:28,399
Speaker 6: I've never finished a unit and never finished a module

544
00:24:28,440 --> 00:24:30,440
Speaker 6: and I've never been a but I've paid.

545
00:24:30,200 --> 00:24:34,639
Speaker 2: For them, and I checked my right in and dispute

546
00:24:34,680 --> 00:24:39,680
Speaker 2: that I didn't think it was a possibility. I checked it.

547
00:24:39,840 --> 00:24:43,400
Speaker 4: Even now, I would definitely write in and say, hey,

548
00:24:43,440 --> 00:24:45,600
Speaker 4: I just want to have a chat with somebody or

549
00:24:45,680 --> 00:24:48,000
Speaker 4: like raise it because I actually never finished any of this.

550
00:24:48,240 --> 00:24:49,439
Speaker 2: Is there a way that I can write it?

551
00:24:49,440 --> 00:24:51,719
Speaker 4: Because like, I'm not saying that they will waive it,

552
00:24:52,119 --> 00:24:55,280
Speaker 4: but there is a census state where you are meant

553
00:24:55,320 --> 00:24:57,080
Speaker 4: to pull out by and I can pull out of

554
00:24:57,080 --> 00:25:00,640
Speaker 4: a unit before then you can you know, not pay

555
00:25:00,720 --> 00:25:02,960
Speaker 4: for the course. Yes, And I'm not saying that they'll

556
00:25:02,960 --> 00:25:05,160
Speaker 4: honor it, but I have heard of people being able

557
00:25:05,200 --> 00:25:06,840
Speaker 4: to write in and say, hey, I never finished X,

558
00:25:06,920 --> 00:25:08,600
Speaker 4: y Z and I'm never going to be able to

559
00:25:08,640 --> 00:25:09,200
Speaker 4: pay this off.

560
00:25:09,280 --> 00:25:10,080
Speaker 2: Is there a way too?

561
00:25:10,200 --> 00:25:12,240
Speaker 4: And it's been honest, so like I mean, if you

562
00:25:12,320 --> 00:25:14,040
Speaker 4: don't ask, you don't get right totally.

563
00:25:14,119 --> 00:25:14,679
Speaker 2: That's true.

564
00:25:14,760 --> 00:25:18,840
Speaker 6: Okay, that's that's something you'll I'll think about it too much.

565
00:25:18,840 --> 00:25:20,760
Speaker 6: It would be really nice though. It's that thirty thousand

566
00:25:20,760 --> 00:25:24,480
Speaker 6: dollars somehow, and I don't know what a quick I've

567
00:25:24,520 --> 00:25:24,959
Speaker 6: been to it.

568
00:25:25,240 --> 00:25:26,040
Speaker 2: I'm just like, it's not.

569
00:25:26,280 --> 00:25:29,560
Speaker 6: That much if you're not really seeing it, like I don't.

570
00:25:29,640 --> 00:25:31,520
Speaker 6: I feel like if at the end of the year,

571
00:25:31,760 --> 00:25:35,680
Speaker 6: unless like your employee employer is doing something right, you

572
00:25:35,800 --> 00:25:37,840
Speaker 6: don't have to like get to tax time and be like,

573
00:25:37,840 --> 00:25:39,520
Speaker 6: oh I owe this much in hex like you don't

574
00:25:39,560 --> 00:25:42,520
Speaker 6: really see it. So I'm like, and also, if you're

575
00:25:42,560 --> 00:25:45,840
Speaker 6: making a certain amount then you start paying a little bit,

576
00:25:46,040 --> 00:25:49,120
Speaker 6: it just feels like nothing to me personally, Like I've

577
00:25:49,720 --> 00:25:52,679
Speaker 6: no concern even if it's a million dollars, Like a

578
00:25:52,680 --> 00:25:55,000
Speaker 6: million dollars in next step, I'd be like, I don't care.

579
00:25:55,800 --> 00:25:58,879
Speaker 4: Is that because the debt repayments aren't crippling to your

580
00:25:59,040 --> 00:26:03,760
Speaker 4: financial life? What said about because obviously a million dollars

581
00:26:03,760 --> 00:26:05,480
Speaker 4: saying oh, I wouldn't care if it's a million, Like

582
00:26:05,560 --> 00:26:08,800
Speaker 4: I get, I get where you're coming from. But also

583
00:26:09,280 --> 00:26:11,800
Speaker 4: there are people like Jess if that was looming over her,

584
00:26:11,920 --> 00:26:16,800
Speaker 4: she would even though you're right, it's not of a

585
00:26:16,800 --> 00:26:18,240
Speaker 4: lot of consequence totally.

586
00:26:18,280 --> 00:26:21,199
Speaker 2: And that's why I've been bankrupt and Jess has been no.

587
00:26:21,280 --> 00:26:22,920
Speaker 2: But I think everyone has different feelings.

588
00:26:23,119 --> 00:26:25,920
Speaker 6: Yeah, yeah, and and and and like honestly, like I'm

589
00:26:25,960 --> 00:26:28,199
Speaker 6: at a point where I just I don't think not

590
00:26:28,240 --> 00:26:29,560
Speaker 6: at a point, like I feel like I've always been

591
00:26:29,560 --> 00:26:33,439
Speaker 6: like this, like education and learning is never a waste

592
00:26:33,440 --> 00:26:34,359
Speaker 6: of time or money.

593
00:26:34,440 --> 00:26:35,960
Speaker 2: And I'm like, even though.

594
00:26:35,880 --> 00:26:38,240
Speaker 6: I didn't finish anything just because I've got to like

595
00:26:38,280 --> 00:26:42,239
Speaker 6: exam like this, but yeah, I learned so much, I

596
00:26:42,280 --> 00:26:46,320
Speaker 6: think from all these things, and I don't regret that

597
00:26:46,359 --> 00:26:48,040
Speaker 6: at all. But yeah, I think just because it's like

598
00:26:48,440 --> 00:26:50,159
Speaker 6: I'm not seeing it. If it was like money I

599
00:26:50,200 --> 00:26:52,280
Speaker 6: had to pay and had to remember to pay it

600
00:26:52,520 --> 00:26:55,879
Speaker 6: after different stories and after the money came in different story,

601
00:26:55,920 --> 00:26:59,000
Speaker 6: but I'm not seeing it exactly.

602
00:26:59,240 --> 00:27:02,680
Speaker 4: Yeah, And like I can completely see where you're coming from. Jess,

603
00:27:02,720 --> 00:27:07,200
Speaker 4: you mentioned something before, like about the debt not continuing.

604
00:27:07,960 --> 00:27:11,480
Speaker 4: I have said on this podcast before Hex Slash Help,

605
00:27:11,560 --> 00:27:14,080
Speaker 4: debt is the only debt that dies with you. And

606
00:27:14,119 --> 00:27:16,840
Speaker 4: when I say that, I mean it is the only

607
00:27:16,880 --> 00:27:18,440
Speaker 4: debt that is canceled out.

608
00:27:19,000 --> 00:27:20,880
Speaker 2: When you die. It's a little bit morbid, but.

609
00:27:20,840 --> 00:27:22,920
Speaker 4: I think it's important for you to understand that because

610
00:27:22,960 --> 00:27:24,840
Speaker 4: I think a lot of us get stressed about the

611
00:27:24,880 --> 00:27:27,320
Speaker 4: idea of passing on debt to our kids or our

612
00:27:27,320 --> 00:27:30,360
Speaker 4: family or our friends or whatever. That looks like, I mean,

613
00:27:30,600 --> 00:27:32,919
Speaker 4: you do have to wrap up your tax return. So

614
00:27:33,000 --> 00:27:35,440
Speaker 4: say you die, Like, let's just be real morbid here.

615
00:27:35,520 --> 00:27:40,160
Speaker 4: Let's say I died in February. Next month, that means

616
00:27:40,200 --> 00:27:43,600
Speaker 4: I'm still going to my state will have to submit

617
00:27:43,640 --> 00:27:47,280
Speaker 4: a tax return in June. So June thirty comes, I

618
00:27:47,320 --> 00:27:50,440
Speaker 4: need to do my tax return, and whatever Hex's debt

619
00:27:50,480 --> 00:27:52,880
Speaker 4: I had owing for that period, I need to pay.

620
00:27:53,400 --> 00:27:55,440
Speaker 2: But the rest of the debt would get wiped because

621
00:27:55,440 --> 00:27:56,320
Speaker 2: I'm now deceased.

622
00:27:56,680 --> 00:27:59,560
Speaker 4: And I think that that's important to understand because it

623
00:27:59,600 --> 00:28:02,120
Speaker 4: doesn't make up part of your estate. So let's say

624
00:28:02,119 --> 00:28:03,760
Speaker 4: you have a thirty thousand dollar hex stet and one

625
00:28:03,800 --> 00:28:06,560
Speaker 4: hundred thousand dollars in savings. If that was like credit

626
00:28:06,600 --> 00:28:08,680
Speaker 4: card debt, or if that was a home loan, or

627
00:28:08,720 --> 00:28:11,320
Speaker 4: if that was any other type of personal loan, what

628
00:28:11,359 --> 00:28:14,359
Speaker 4: would happen with your estate? And estate is a fancy

629
00:28:14,400 --> 00:28:18,280
Speaker 4: word for saying all your stuff in one bucket that

630
00:28:18,359 --> 00:28:22,239
Speaker 4: you owned when you die, your estate would pay for that. So,

631
00:28:22,320 --> 00:28:24,440
Speaker 4: say you've got your debt, all of that would be

632
00:28:24,560 --> 00:28:27,440
Speaker 4: you know, organized, and you'd get seventy thousand dollars out

633
00:28:27,440 --> 00:28:30,040
Speaker 4: of that to distribute to your friends and family when

634
00:28:30,040 --> 00:28:30,680
Speaker 4: you pass away.

635
00:28:30,680 --> 00:28:31,160
Speaker 2: In your will.

636
00:28:31,480 --> 00:28:34,800
Speaker 4: However, hext doesn't come into your little bucket of your estate.

637
00:28:35,080 --> 00:28:36,000
Speaker 2: It doesn't come in and.

638
00:28:35,960 --> 00:28:37,680
Speaker 4: Say, hey, just so you know you still owned the

639
00:28:37,720 --> 00:28:41,440
Speaker 4: government thirty grand. They'll just go, you died, don't worry

640
00:28:41,440 --> 00:28:44,280
Speaker 4: about it, like that was bad enough, so they don't

641
00:28:44,360 --> 00:28:45,880
Speaker 4: take it from you. And I think that that is

642
00:28:45,920 --> 00:28:49,920
Speaker 4: a really important point, because a lot of people are

643
00:28:49,960 --> 00:28:52,960
Speaker 4: making the decision to just not care about their hex

644
00:28:53,000 --> 00:28:55,280
Speaker 4: stet anymore. They're like, I see it's index at two

645
00:28:55,360 --> 00:28:58,200
Speaker 4: point seven percent. I see that that means that, you know,

646
00:28:58,520 --> 00:29:00,680
Speaker 4: if I have a sixty thousand dollars come and I've

647
00:29:00,720 --> 00:29:03,080
Speaker 4: got thirty thousand dollars owing, I'm going to be paying

648
00:29:03,120 --> 00:29:04,120
Speaker 4: six hundred bucks a.

649
00:29:04,120 --> 00:29:07,680
Speaker 2: Year on that for forever more. I just don't care.

650
00:29:08,160 --> 00:29:10,760
Speaker 4: Like that's what a lot of people are deciding, because

651
00:29:10,800 --> 00:29:12,640
Speaker 4: they look at it and they go, even if I

652
00:29:12,720 --> 00:29:15,160
Speaker 4: extinguished that amount of money, So even if I saved

653
00:29:15,200 --> 00:29:17,720
Speaker 4: up thirty thousand dollars and paid off that entire hextet,

654
00:29:18,280 --> 00:29:21,560
Speaker 4: it doesn't actually put me even in a better borrowing situation.

655
00:29:21,720 --> 00:29:23,880
Speaker 4: Like getting rid of that hextet doesn't mean that I'm

656
00:29:23,920 --> 00:29:26,720
Speaker 4: going to increase my borrowing capacity. I'd actually prefer to

657
00:29:26,720 --> 00:29:29,000
Speaker 4: have that thirty thousand dollars in my savings account or

658
00:29:29,040 --> 00:29:31,480
Speaker 4: invested or in property or somewhere else.

659
00:29:31,560 --> 00:29:32,200
Speaker 2: So a lot of.

660
00:29:32,160 --> 00:29:35,800
Speaker 4: People are deprioritizing paying off their hexts. Is that the

661
00:29:35,880 --> 00:29:38,640
Speaker 4: right thing to do? Who knows, It's just an experience

662
00:29:38,720 --> 00:29:42,120
Speaker 4: that's happening in our community. But yes, there are definitely

663
00:29:42,160 --> 00:29:45,320
Speaker 4: people who are going to have their hex debts forever.

664
00:29:45,520 --> 00:29:48,640
Speaker 4: And do I think that's a negative thing? Honestly no,

665
00:29:49,440 --> 00:29:52,160
Speaker 4: Because you were able to get the education that you

666
00:29:52,360 --> 00:29:55,080
Speaker 4: consented to. You knew how much it was going to

667
00:29:55,120 --> 00:29:57,160
Speaker 4: be and what the repayments would look like and how

668
00:29:57,240 --> 00:30:00,960
Speaker 4: that worked, and maybe it just doesn't work out that

669
00:30:01,000 --> 00:30:03,400
Speaker 4: you paid off forever. I'm just glad that we don't

670
00:30:03,440 --> 00:30:07,719
Speaker 4: have an education financing system like the US, where it

671
00:30:07,800 --> 00:30:12,240
Speaker 4: becomes completely crippling to get into student debt. And I

672
00:30:12,320 --> 00:30:15,280
Speaker 4: also love that our system means that if you lose

673
00:30:15,280 --> 00:30:18,160
Speaker 4: your income or you don't have you know, the income

674
00:30:18,520 --> 00:30:20,880
Speaker 4: needed to pay back, you don't have to. So I

675
00:30:20,880 --> 00:30:22,640
Speaker 4: think there's a lot, like there's pros and cons, like

676
00:30:22,720 --> 00:30:25,160
Speaker 4: nobody wants to die in debt, but I think we

677
00:30:25,200 --> 00:30:27,719
Speaker 4: also need to remember that we're getting a lot from that.

678
00:30:27,960 --> 00:30:30,600
Speaker 4: And even if you are earning a sixty thousand dollars

679
00:30:30,640 --> 00:30:33,240
Speaker 4: part time income, yes, you're paying back your debt, but

680
00:30:34,280 --> 00:30:37,880
Speaker 4: you got this massive degree and maybe part time, like

681
00:30:37,920 --> 00:30:41,440
Speaker 4: part time sixty grand, that's a good income. That's why

682
00:30:41,480 --> 00:30:43,920
Speaker 4: you're able to earn it. Maybe because you went to UNI,

683
00:30:44,160 --> 00:30:45,960
Speaker 4: you were able to get this good job with the

684
00:30:46,000 --> 00:30:49,680
Speaker 4: degree that you had, and now that's just like paying

685
00:30:49,720 --> 00:30:51,400
Speaker 4: the way of being able to do that.

686
00:30:51,880 --> 00:30:52,360
Speaker 2: So true.

687
00:30:52,520 --> 00:30:54,280
Speaker 4: So I just think there's a lot to it. And

688
00:30:54,880 --> 00:30:57,720
Speaker 4: I think people put a lot of importance on smashing

689
00:30:57,760 --> 00:31:01,760
Speaker 4: down the hextet without talking about the bigger repercussions. And

690
00:31:01,760 --> 00:31:04,040
Speaker 4: there have been when I was a financial advisor a

691
00:31:04,040 --> 00:31:06,240
Speaker 4: lot of people that I sat down with that would

692
00:31:06,240 --> 00:31:06,560
Speaker 4: be like.

693
00:31:06,520 --> 00:31:08,240
Speaker 2: Oh my god, V I'm so glad I'm here.

694
00:31:08,560 --> 00:31:10,520
Speaker 4: I've got, you know, all of these savings and all

695
00:31:10,520 --> 00:31:12,080
Speaker 4: of this hex stet, and we need to get rid

696
00:31:12,120 --> 00:31:14,200
Speaker 4: of the hex stet and then next we'll do and

697
00:31:14,240 --> 00:31:16,760
Speaker 4: then we do their financial advice and paying more off

698
00:31:16,800 --> 00:31:19,400
Speaker 4: the hex stet was never part of the plan. So

699
00:31:19,480 --> 00:31:22,000
Speaker 4: I think it's just take it with a grain of salt.

700
00:31:22,120 --> 00:31:24,600
Speaker 4: Debt can be scary, but that's one of the debts

701
00:31:24,640 --> 00:31:25,720
Speaker 4: that's not good or bad.

702
00:31:25,760 --> 00:31:29,560
Speaker 2: Debt just sits in the middle. Yes's gray, Yeah, she's grey.

703
00:31:29,840 --> 00:31:33,600
Speaker 2: Should we get into the juice? Juicyday? It was hex

704
00:31:33,680 --> 00:31:37,200
Speaker 2: stet and you dying not juicy enough. It's a little

705
00:31:37,200 --> 00:31:40,240
Speaker 2: bit sad. I'm ready for the good stuff. I'm always

706
00:31:40,280 --> 00:31:41,920
Speaker 2: ready for the good stuff. Are you ready? We got

707
00:31:41,920 --> 00:31:42,560
Speaker 2: a DM.

708
00:31:42,840 --> 00:31:45,080
Speaker 4: DM said, Hey, she's on the money. I am in

709
00:31:45,120 --> 00:31:48,840
Speaker 4: an awkward situation. My friend wanted to save some money

710
00:31:48,840 --> 00:31:51,320
Speaker 4: on renos before their baby arrived, so they asked me

711
00:31:51,360 --> 00:31:52,200
Speaker 4: to help paint their house.

712
00:31:52,600 --> 00:31:54,840
Speaker 2: Great cool, We've all done that checks out so far.

713
00:31:55,120 --> 00:31:57,520
Speaker 4: Of course, I said yes, how could I not? But

714
00:31:57,880 --> 00:31:59,920
Speaker 4: while I was moving the ladder, it slipped and I

715
00:32:00,080 --> 00:32:02,400
Speaker 4: accidentally knocked over their brand new TV that was propped

716
00:32:02,480 --> 00:32:06,040
Speaker 4: up waiting to be mounted. Now they're asking me to

717
00:32:06,120 --> 00:32:09,560
Speaker 4: pay for it, and I feel awful, But I kind

718
00:32:09,560 --> 00:32:11,840
Speaker 4: of feel like it wouldn't have happened if they hadn't

719
00:32:11,880 --> 00:32:14,120
Speaker 4: asked me for help in the first place. I was

720
00:32:14,120 --> 00:32:16,680
Speaker 4: doing them a favor to save some money, and now

721
00:32:16,680 --> 00:32:19,800
Speaker 4: I'm the one out of pocket. Am I being unreasonable

722
00:32:19,840 --> 00:32:22,880
Speaker 4: for thinking I shouldn't have to pay? I would love

723
00:32:22,960 --> 00:32:30,480
Speaker 4: to hear the team's thoughts.

724
00:32:27,480 --> 00:32:31,000
Speaker 2: That is actually really hard. This is really like.

725
00:32:31,960 --> 00:32:33,680
Speaker 4: My tongue so hard.

726
00:32:36,360 --> 00:32:38,200
Speaker 2: I just think, like maybe go hard.

727
00:32:39,000 --> 00:32:41,280
Speaker 6: I just that is a really really good because I'm like,

728
00:32:41,600 --> 00:32:43,600
Speaker 6: if your friends were going to pay, Like so, I

729
00:32:43,640 --> 00:32:45,240
Speaker 6: don't know how much a pain to cost, but let's

730
00:32:45,280 --> 00:32:46,680
Speaker 6: say two thousand dollars for a painter.

731
00:32:46,880 --> 00:32:47,680
Speaker 2: Yeah, you go about that.

732
00:32:47,640 --> 00:32:50,920
Speaker 4: Because I am currently having my house repainted. Oh yeah, yep,

733
00:32:51,120 --> 00:32:54,280
Speaker 4: we've got some quotes, so two grand yep.

734
00:32:54,480 --> 00:32:56,680
Speaker 2: It is an accident, it really does. I get it.

735
00:32:56,720 --> 00:33:00,440
Speaker 6: Like it feels so crappy when you're not doing I

736
00:33:00,480 --> 00:33:04,240
Speaker 6: don't know if this our listener is doing really well financially,

737
00:33:04,360 --> 00:33:06,160
Speaker 6: not doing well financially, whatever it is. But like when

738
00:33:06,200 --> 00:33:07,240
Speaker 6: you're in a situation where.

739
00:33:07,200 --> 00:33:09,800
Speaker 4: Respect it's about the blame game. It's not about how

740
00:33:09,840 --> 00:33:12,600
Speaker 4: much money you've got your account totally responsibility.

741
00:33:12,640 --> 00:33:13,920
Speaker 2: Is this broken? Tell exactly?

742
00:33:13,960 --> 00:33:17,800
Speaker 6: And it's like it's when you accidentally do something, you

743
00:33:17,840 --> 00:33:20,880
Speaker 6: have no intention of anything, and all of a sudden

744
00:33:21,400 --> 00:33:24,040
Speaker 6: you're in the whole like five k. I don't know,

745
00:33:24,120 --> 00:33:25,760
Speaker 6: I'm assuming it's like five k if it's like a

746
00:33:25,760 --> 00:33:28,640
Speaker 6: big one that's need to be mounted on a TV.

747
00:33:28,840 --> 00:33:30,600
Speaker 2: How much are these days? I don't know, but there's

748
00:33:30,640 --> 00:33:31,840
Speaker 2: no way I'd spend five.

749
00:33:33,240 --> 00:33:36,960
Speaker 8: It's like on a big black I don't know. That's

750
00:33:37,040 --> 00:33:38,840
Speaker 8: that's a that's a blue job in our house, a

751
00:33:38,840 --> 00:33:44,240
Speaker 8: big old. It was all my boyfriend tell me how

752
00:33:44,280 --> 00:33:46,200
Speaker 8: much today sale.

753
00:33:46,320 --> 00:33:48,880
Speaker 4: I'm not buying it totally. I think my last TV

754
00:33:49,040 --> 00:33:51,880
Speaker 4: was maybe fifteen hundred bucks. I didn't get the bigger

755
00:33:51,920 --> 00:33:53,440
Speaker 4: one because I was like, I'm not spending that.

756
00:33:53,520 --> 00:33:55,719
Speaker 2: Well, yeah, I mean you can get. It really depends

757
00:33:55,720 --> 00:33:56,520
Speaker 2: on how small.

758
00:33:56,720 --> 00:33:59,360
Speaker 6: Sure sure, sure, sure, yeah, I've aways just had one.

759
00:33:59,400 --> 00:34:02,040
Speaker 6: I have no idea how, but anyway, so this, you know,

760
00:34:02,320 --> 00:34:03,520
Speaker 6: it really sucks when that happens.

761
00:34:03,800 --> 00:34:05,000
Speaker 2: I understand that.

762
00:34:04,920 --> 00:34:07,240
Speaker 6: You're kind of like if the think of it from

763
00:34:07,320 --> 00:34:09,799
Speaker 6: their side, if they're like, oh, this brand new TV,

764
00:34:10,520 --> 00:34:12,360
Speaker 6: we've saved up for this and we're so excited to

765
00:34:12,400 --> 00:34:16,080
Speaker 6: use it. My friend accidentally broke it totally totally not

766
00:34:16,160 --> 00:34:16,560
Speaker 6: their fault.

767
00:34:16,560 --> 00:34:19,160
Speaker 2: They here to help me. Maybe let's try and find

768
00:34:19,160 --> 00:34:23,880
Speaker 2: a way where we can go halves or or something.

769
00:34:24,120 --> 00:34:28,840
Speaker 6: I just don't know that it's either one's responsibility completely,

770
00:34:30,000 --> 00:34:33,000
Speaker 6: I think, but you guys look like you.

771
00:34:32,960 --> 00:34:36,520
Speaker 2: Definitely don't agree. So I'm gonna.

772
00:34:36,320 --> 00:34:38,279
Speaker 4: Beg if you came to my No, you know what

773
00:34:38,320 --> 00:34:41,080
Speaker 4: I want, justice opinion. I want justice opinion. Jess, what

774
00:34:41,400 --> 00:34:42,239
Speaker 4: are your thoughts to me?

775
00:34:42,360 --> 00:34:45,319
Speaker 2: It's not a gray area, like if you damage it,

776
00:34:45,400 --> 00:34:47,719
Speaker 2: jes As Like, No, I just think if you.

777
00:34:47,880 --> 00:34:52,080
Speaker 8: Damage something that is not yours, your responsibility is to

778
00:34:52,200 --> 00:34:53,720
Speaker 8: fix it or pay for it to be fixed.

779
00:34:53,960 --> 00:34:56,920
Speaker 2: Right, because I think if you like broaden it. Oh,

780
00:34:57,080 --> 00:34:59,080
Speaker 2: Victoria does not agree. I don't.

781
00:34:59,360 --> 00:35:01,200
Speaker 8: I don't think because I think that like if you

782
00:35:01,280 --> 00:35:03,960
Speaker 8: take I think, helping them paint their house, you have

783
00:35:04,040 --> 00:35:05,120
Speaker 8: to take that out of it.

784
00:35:05,200 --> 00:35:07,759
Speaker 2: Like why you were there is irrelevant to me.

785
00:35:08,160 --> 00:35:11,760
Speaker 8: Yeah, okay, if I'm at anyone's house for any reason.

786
00:35:11,920 --> 00:35:13,800
Speaker 8: It's like if you hit somebody's car, Like it doesn't

787
00:35:13,800 --> 00:35:15,520
Speaker 8: matter if I was doing a good deed in stopping

788
00:35:15,520 --> 00:35:16,960
Speaker 8: so the ducklings could cross.

789
00:35:16,719 --> 00:35:17,759
Speaker 2: Like I hit someone's car.

790
00:35:20,520 --> 00:35:23,200
Speaker 8: Like, I just think the reason you're there is not

791
00:35:23,440 --> 00:35:26,839
Speaker 8: Like I understand that. Maybe for in our listener's mind,

792
00:35:26,920 --> 00:35:28,759
Speaker 8: they're like, oh, I was doing a nice thing, and

793
00:35:28,800 --> 00:35:30,759
Speaker 8: that nice thing is but I totally get that that's

794
00:35:30,800 --> 00:35:35,000
Speaker 8: a shitty feeling. But like you've broken Like I just

795
00:35:35,560 --> 00:35:37,680
Speaker 8: I think I know what VD is gonna say. But

796
00:35:37,760 --> 00:35:40,840
Speaker 8: my opinion is like, you are responsible for your actions

797
00:35:40,880 --> 00:35:44,680
Speaker 8: in this world, and be they accidental or be they intentional.

798
00:35:45,040 --> 00:35:47,120
Speaker 8: It's not fair to expect somebody else to foot the

799
00:35:47,120 --> 00:35:48,480
Speaker 8: bill for something that you've done.

800
00:35:49,239 --> 00:35:53,359
Speaker 6: Right, I was just sorry if it is despert to talk,

801
00:35:54,000 --> 00:35:56,480
Speaker 6: despert to talk. But also I do agree. And it's

802
00:35:56,520 --> 00:35:59,040
Speaker 6: also like, if you're doing good deed, there shouldn't be

803
00:35:59,080 --> 00:36:03,480
Speaker 6: any like things like, oh, then that means that I

804
00:36:03,520 --> 00:36:05,359
Speaker 6: can either get away with this, or you'll do this

805
00:36:05,360 --> 00:36:07,080
Speaker 6: for me or whatever. It's just like you're just doing

806
00:36:07,120 --> 00:36:09,320
Speaker 6: a nice thing for a friend. Yeah, yeah, that is separate.

807
00:36:09,360 --> 00:36:11,160
Speaker 6: I see what you're saying. Anyway, so I speaking the

808
00:36:11,160 --> 00:36:13,360
Speaker 6: first time we've all had completely no opinion. I was

809
00:36:13,360 --> 00:36:14,920
Speaker 6: going to say this is I don't think this has

810
00:36:14,960 --> 00:36:16,399
Speaker 6: ever happened before you knew us.

811
00:36:17,080 --> 00:36:19,239
Speaker 2: Wow, just what is my opinion? What do you think

812
00:36:19,239 --> 00:36:19,839
Speaker 2: my opinion is?

813
00:36:19,880 --> 00:36:21,960
Speaker 8: I know that you're going to say that when you

814
00:36:22,000 --> 00:36:24,200
Speaker 8: invited somebody to your house you took on the risk

815
00:36:24,320 --> 00:36:24,600
Speaker 8: or whatever.

816
00:36:27,480 --> 00:36:29,879
Speaker 2: Why was your TV out while you're painting? I mean

817
00:36:30,120 --> 00:36:33,040
Speaker 2: totally fair, were only mounted yet?

818
00:36:33,560 --> 00:36:36,359
Speaker 4: Okay, all right, it's on the floor. Why is the

819
00:36:36,400 --> 00:36:38,200
Speaker 4: TV in a room where you've got a.

820
00:36:38,160 --> 00:36:41,040
Speaker 2: Massive ladder ah see, So you're.

821
00:36:40,920 --> 00:36:43,960
Speaker 4: Telling me you've got a ladder that could potentially fall over,

822
00:36:44,239 --> 00:36:47,480
Speaker 4: like a dodgy one at that, and there's a massive

823
00:36:47,560 --> 00:36:50,799
Speaker 4: TV that is a hazard in this Like, are we

824
00:36:50,880 --> 00:36:54,319
Speaker 4: not clearing the room to paint the room? Like, yeah,

825
00:36:54,360 --> 00:36:55,799
Speaker 4: that would have been, but we're not getting rid of

826
00:36:55,840 --> 00:36:59,000
Speaker 4: all of the expensive things while getting paint out.

827
00:36:59,120 --> 00:37:00,879
Speaker 2: Paint on a televis to begin with.

828
00:37:00,960 --> 00:37:06,759
Speaker 4: Terrible outcome ladder Like literally, you've got amateurs climbing up

829
00:37:06,760 --> 00:37:09,120
Speaker 4: a ladder and you thought leaving the TV on the

830
00:37:09,160 --> 00:37:11,800
Speaker 4: ground is a good idea.

831
00:37:12,000 --> 00:37:14,080
Speaker 2: It's a good point. It is a good point. Now

832
00:37:14,080 --> 00:37:15,600
Speaker 2: I really wanted to know how it happens.

833
00:37:15,640 --> 00:37:19,160
Speaker 4: I need to know so much about this situation. But also,

834
00:37:20,360 --> 00:37:23,080
Speaker 4: say Jess comes to my house. I know, like Jess

835
00:37:23,160 --> 00:37:24,920
Speaker 4: is the sweetest person ever. If I said Jess, I

836
00:37:24,920 --> 00:37:27,480
Speaker 4: need help painting my house, what's she going to say.

837
00:37:27,880 --> 00:37:29,799
Speaker 2: I'll be there at ten. Yeah sounds fun.

838
00:37:29,840 --> 00:37:33,640
Speaker 4: She's not getting up early to do it, but she'll

839
00:37:33,680 --> 00:37:36,359
Speaker 4: be there with bells on. And then she climbs up

840
00:37:36,360 --> 00:37:38,760
Speaker 4: a ladder to help me paint. I know she's an amateur.

841
00:37:38,920 --> 00:37:41,400
Speaker 4: I know she's never done this. She falls off the

842
00:37:41,480 --> 00:37:46,680
Speaker 4: ladder and breaks her leg. Who's faults at I.

843
00:37:46,640 --> 00:37:48,239
Speaker 2: Still put that on me, Like I'm the one who's

844
00:37:48,280 --> 00:37:49,040
Speaker 2: fallen off the ladder.

845
00:37:49,200 --> 00:37:52,680
Speaker 4: Yeah, but like you're in my house on my dodgy

846
00:37:52,760 --> 00:37:56,920
Speaker 4: ladder that I should have been like, just be really careful.

847
00:37:57,200 --> 00:38:01,000
Speaker 4: But like I just I think that that is your

848
00:38:01,040 --> 00:38:04,239
Speaker 4: fault for leaving the TV out in a space where

849
00:38:04,280 --> 00:38:08,920
Speaker 4: you were doing amateur DIY, Like you've left a TV out, Like,

850
00:38:09,080 --> 00:38:12,239
Speaker 4: I know, it's really shitty. I know that you don't

851
00:38:12,360 --> 00:38:15,400
Speaker 4: want to have to buy another TV, and I know

852
00:38:15,440 --> 00:38:17,319
Speaker 4: that you're trying to save money, but I think that

853
00:38:17,480 --> 00:38:19,800
Speaker 4: was a cost where you go, oh, I'm.

854
00:38:19,640 --> 00:38:21,439
Speaker 2: So sorry you fell off the ladder, Jess.

855
00:38:21,760 --> 00:38:25,480
Speaker 4: Yeah, like that's a safety issue that you didn't like

856
00:38:25,640 --> 00:38:27,760
Speaker 4: Jess came to my house, she fell off my ladder

857
00:38:27,800 --> 00:38:30,839
Speaker 4: because I didn't protect her to do like, yeah, we're

858
00:38:30,840 --> 00:38:33,279
Speaker 4: doing something that she's never done before. But like, she

859
00:38:33,320 --> 00:38:36,520
Speaker 4: didn't sign up to fall off ladder. She didn't like

860
00:38:36,560 --> 00:38:38,680
Speaker 4: she signed up to paint some walls that should be

861
00:38:38,760 --> 00:38:42,280
Speaker 4: relatively inconsequential. It might be dodgy, there might be runs

862
00:38:42,320 --> 00:38:44,319
Speaker 4: all over the walls, who knows, but that's the risk

863
00:38:44,480 --> 00:38:47,759
Speaker 4: I'm taking. Would you then sue Jess or be mad

864
00:38:47,800 --> 00:38:50,040
Speaker 4: if like Jess did a really shitty job of painting

865
00:38:50,040 --> 00:38:52,200
Speaker 4: the wall, so like flip it around. We're going to

866
00:38:52,280 --> 00:38:56,200
Speaker 4: talk about another financial impact. Jess comes to my house,

867
00:38:56,520 --> 00:39:00,640
Speaker 4: she paints my walls, but she wasn't clean out the brush.

868
00:39:00,800 --> 00:39:02,440
Speaker 4: She like kept putting it on the ground. There's a

869
00:39:02,480 --> 00:39:05,279
Speaker 4: dirt in the brush, wos She's just kept painting the

870
00:39:05,280 --> 00:39:08,319
Speaker 4: walls whatever. There's runs all over the walls. There's bits

871
00:39:08,360 --> 00:39:10,880
Speaker 4: of dirt in the walls. She's gone home, it's dried.

872
00:39:11,840 --> 00:39:14,200
Speaker 4: I have to then pay someone to come back and

873
00:39:14,239 --> 00:39:16,200
Speaker 4: fix that because she's messed it up.

874
00:39:16,520 --> 00:39:22,640
Speaker 2: Who's paying for that? I see what you're saying, Okay, ah, but.

875
00:39:23,160 --> 00:39:25,040
Speaker 4: Yeah, just did that, but did like I mean, I'm

876
00:39:25,080 --> 00:39:27,920
Speaker 4: making just pay for it. If she got frustrated at

877
00:39:27,920 --> 00:39:29,879
Speaker 4: the paint brush through it across the room and kicked

878
00:39:29,920 --> 00:39:38,160
Speaker 4: my TV, breaking it. Just didn't mean to break the

879
00:39:38,239 --> 00:39:40,960
Speaker 4: TV and I left it in a spot where it

880
00:39:41,000 --> 00:39:43,960
Speaker 4: could be broken when it definitely shouldn't have been there

881
00:39:44,000 --> 00:39:46,120
Speaker 4: in the first place. And what now I'm going to

882
00:39:46,239 --> 00:39:49,319
Speaker 4: financially impact my friend who was doing a good deed

883
00:39:49,360 --> 00:39:52,160
Speaker 4: coming to my house to help me. Absolutely not interesting,

884
00:39:52,719 --> 00:39:53,360
Speaker 4: I would say.

885
00:39:53,239 --> 00:39:55,680
Speaker 8: Asked if they have content insurance and can you pay

886
00:39:55,680 --> 00:39:57,640
Speaker 8: their excess payment? That would be my solution.

887
00:39:57,880 --> 00:39:58,680
Speaker 2: We were for TV.

888
00:39:59,080 --> 00:40:03,520
Speaker 8: Yeah, oh yeah, make a content Yeah.

889
00:40:03,640 --> 00:40:06,439
Speaker 4: I come to your house like flip it. You've had

890
00:40:06,520 --> 00:40:08,919
Speaker 4: issues with your walls, You've had it, like I come

891
00:40:08,960 --> 00:40:11,920
Speaker 4: and help. I'm standing on your bedside table. I'm trying

892
00:40:11,920 --> 00:40:13,840
Speaker 4: to help you patch up the wall and the roof

893
00:40:13,960 --> 00:40:15,640
Speaker 4: like we're sticking Marley's.

894
00:40:15,200 --> 00:40:18,440
Speaker 2: Spoon, you know.

895
00:40:18,719 --> 00:40:20,920
Speaker 4: Yeah, yeah, you know, you know, but like that's what

896
00:40:20,960 --> 00:40:23,560
Speaker 4: I'm doing for you. I trip, I fall, I break

897
00:40:23,600 --> 00:40:27,480
Speaker 4: your bedside lamp. Am I buying you a new lamp?

898
00:40:27,600 --> 00:40:29,600
Speaker 2: I wouldn't ask you to know? Okay, why wouldn't you

899
00:40:29,600 --> 00:40:32,080
Speaker 2: ask me to Well, I feel like I would be like, well,

900
00:40:32,080 --> 00:40:33,320
Speaker 2: you've done. I get with you.

901
00:40:34,160 --> 00:40:35,480
Speaker 4: But I'm still also.

902
00:40:35,400 --> 00:40:37,000
Speaker 8: Like I don't know, maybe it's just me, but if

903
00:40:37,040 --> 00:40:38,799
Speaker 8: I had fallen and broken the lamp, I do think

904
00:40:38,800 --> 00:40:39,480
Speaker 8: I would still say.

905
00:40:39,480 --> 00:40:41,959
Speaker 4: You would often replace the lamp. Yeah, I know you would,

906
00:40:42,040 --> 00:40:45,160
Speaker 4: because you're a kind person. Would I let you? No,

907
00:40:45,200 --> 00:40:49,879
Speaker 4: you wouldn't exactly, And it's because it was like.

908
00:40:50,480 --> 00:40:53,680
Speaker 2: I should have moved the lamp, Yeah, should the lamp?

909
00:40:53,680 --> 00:40:56,239
Speaker 4: Should the lamp have been on the bedside table when

910
00:40:56,280 --> 00:40:59,000
Speaker 4: I was climbing up there. No, should I have thought

911
00:40:59,000 --> 00:41:02,000
Speaker 4: about moving it myself? Probably, but it's not my house life.

912
00:41:02,160 --> 00:41:02,360
Speaker 7: I know.

913
00:41:02,680 --> 00:41:05,320
Speaker 6: But I'm like, I'm really thinking about like both parties,

914
00:41:05,360 --> 00:41:07,719
Speaker 6: and I do think they should maybe split the different things.

915
00:41:07,719 --> 00:41:09,759
Speaker 4: You should have a conversation. But i'd pay by in

916
00:41:09,760 --> 00:41:10,359
Speaker 4: storm of something.

917
00:41:10,360 --> 00:41:11,879
Speaker 6: But I just know that when I bought my new phone,

918
00:41:11,880 --> 00:41:14,279
Speaker 6: for examples, like a thousand dollars, and I saved it

919
00:41:14,360 --> 00:41:15,160
Speaker 6: for a long time.

920
00:41:15,040 --> 00:41:16,200
Speaker 2: For that was the whole thing.

921
00:41:16,280 --> 00:41:18,040
Speaker 6: If one of my friends was like, oh my god,

922
00:41:18,120 --> 00:41:19,880
Speaker 6: let me see your phone and then dropped it and

923
00:41:19,920 --> 00:41:22,400
Speaker 6: broke it, I'll be like, I'd be like, oh, that's okay,

924
00:41:22,880 --> 00:41:26,520
Speaker 6: And then inside you'd I'd be like, I will never

925
00:41:26,960 --> 00:41:30,160
Speaker 6: financially and actually recover. And I would be like, I

926
00:41:30,480 --> 00:41:32,440
Speaker 6: want them to pay because they broke it. And so

927
00:41:32,520 --> 00:41:34,240
Speaker 6: I can understand both.

928
00:41:34,719 --> 00:41:37,080
Speaker 2: I gotta know whatever I know, Okay, Okay, so you

929
00:41:37,200 --> 00:41:37,839
Speaker 2: know whatever I say.

930
00:41:37,880 --> 00:41:41,680
Speaker 4: I'm feeling validated. Just so you guys know. We asked

931
00:41:41,680 --> 00:41:44,279
Speaker 4: the community and we said, if you were the homeowner,

932
00:41:44,440 --> 00:41:47,800
Speaker 4: would you ask your friend to help pay seventy one percent?

933
00:41:47,840 --> 00:41:50,879
Speaker 4: And you said no, I asked them for help twenty

934
00:41:50,960 --> 00:41:52,600
Speaker 4: nine percent and said, yeah, they broke it.

935
00:41:52,960 --> 00:41:55,080
Speaker 8: Yeah, I don't think i'd ask them to pay, but

936
00:41:55,120 --> 00:41:57,960
Speaker 8: I would hope that they would offer or I would.

937
00:41:59,120 --> 00:42:01,640
Speaker 4: Then I asked, if you were the friend who broke

938
00:42:01,719 --> 00:42:04,360
Speaker 4: the TV, would you pay for it? Forty percent of you,

939
00:42:04,400 --> 00:42:07,040
Speaker 4: which is the highest percentage, says yes, I broke it.

940
00:42:07,120 --> 00:42:10,120
Speaker 4: So it's giving Jess energy. It's giving Jess energy.

941
00:42:10,280 --> 00:42:12,560
Speaker 2: So she's like, oh, I'd offer. But then I'm like,

942
00:42:12,600 --> 00:42:15,120
Speaker 2: but I wouldn't make you pay. Yeah, right.

943
00:42:15,560 --> 00:42:17,880
Speaker 4: Thirty seven percent of you said yes, but only to

944
00:42:17,920 --> 00:42:22,239
Speaker 4: stop the drama, and twenty three percent of you said no,

945
00:42:22,280 --> 00:42:26,839
Speaker 4: I'd tell them I wasn't paying. Awkward we did then

946
00:42:26,880 --> 00:42:28,640
Speaker 4: say all right, we need your two cents.

947
00:42:28,760 --> 00:42:29,600
Speaker 2: Yeah, tell us more.

948
00:42:29,800 --> 00:42:32,800
Speaker 4: First person said were they getting paid to paint?

949
00:42:33,280 --> 00:42:37,279
Speaker 2: No? Then no? Yes, then okay to contribute. Oh that's

950
00:42:37,320 --> 00:42:38,760
Speaker 2: an interesting sat stick.

951
00:42:39,200 --> 00:42:41,120
Speaker 4: Someone else said, I would have moved it to a

952
00:42:41,200 --> 00:42:46,239
Speaker 4: safer place before opening a ladder in that room. To

953
00:42:46,280 --> 00:42:49,960
Speaker 4: my own heart. Someone else said, this is just Jess

954
00:42:49,960 --> 00:42:52,760
Speaker 4: coded at least for it. I just think our community,

955
00:42:53,040 --> 00:42:56,799
Speaker 4: our community, and we share one brain cell used to

956
00:42:56,800 --> 00:42:59,520
Speaker 4: just be Jess and I. Everybody give me your brains

957
00:42:59,520 --> 00:43:02,680
Speaker 4: are they said they should have had insurance. If not

958
00:43:02,840 --> 00:43:07,040
Speaker 4: hiring professionals and not set up carefully for you their fault.

959
00:43:08,160 --> 00:43:10,920
Speaker 4: I'm not getting insurance if I am not paying a

960
00:43:10,920 --> 00:43:13,480
Speaker 4: professional painter, like low key, I have a professional painter to

961
00:43:13,480 --> 00:43:16,399
Speaker 4: come with insurance. Yeah, but like if I'm asking Jess

962
00:43:16,400 --> 00:43:18,880
Speaker 4: to come over and help with paint, I'll pay you.

963
00:43:19,960 --> 00:43:20,200
Speaker 1: Yeah.

964
00:43:20,440 --> 00:43:22,200
Speaker 4: Like we're ordering a pizza at the end of the day,

965
00:43:22,239 --> 00:43:23,960
Speaker 4: and hopefully it's a nice day, We're going to eat

966
00:43:23,960 --> 00:43:25,120
Speaker 4: it outside with an apparol.

967
00:43:25,400 --> 00:43:28,839
Speaker 2: Yeah, you know what I mean. Yeah. Someone else said,

968
00:43:28,840 --> 00:43:31,600
Speaker 2: you break it, you buy it. I mean that's yeah,

969
00:43:31,760 --> 00:43:36,759
Speaker 2: it's a good sign. But Christmas anymore. But you can

970
00:43:36,760 --> 00:43:38,840
Speaker 2: still ride the wave. Yeah.

971
00:43:39,000 --> 00:43:41,799
Speaker 4: Someone else said, I can't imagine asking my friend to pay,

972
00:43:41,840 --> 00:43:43,560
Speaker 4: but I would pay if I was the friend.

973
00:43:44,040 --> 00:43:46,360
Speaker 2: Yeah, that's why I suggested all the comments.

974
00:43:46,960 --> 00:43:49,520
Speaker 4: Someone else said, seems they value the TV more than

975
00:43:49,560 --> 00:43:52,120
Speaker 4: their friend and their time. If they're asking for money

976
00:43:52,120 --> 00:43:53,959
Speaker 4: but won't pay their friend.

977
00:43:56,600 --> 00:43:58,520
Speaker 2: Do you do you reckon the painters would have to pay.

978
00:43:59,280 --> 00:44:03,480
Speaker 4: Imagine it short, but imagine I imagine so Jess comes

979
00:44:03,480 --> 00:44:05,720
Speaker 4: to my house, she breaks my TV because she's fallen

980
00:44:05,760 --> 00:44:08,160
Speaker 4: off my dodgy ladder and I say, Jess, you need

981
00:44:08,200 --> 00:44:08,799
Speaker 4: to pay for that.

982
00:44:09,960 --> 00:44:12,120
Speaker 2: You need to pay for the Telly just goes, no worries.

983
00:44:12,120 --> 00:44:13,480
Speaker 4: He's an invoice for my time.

984
00:44:13,680 --> 00:44:18,880
Speaker 8: Literally, yeah, right to that off that, to take it

985
00:44:18,920 --> 00:44:19,440
Speaker 8: off the top.

986
00:44:20,680 --> 00:44:22,959
Speaker 2: Pinting right then, Oh my gosh.

987
00:44:23,160 --> 00:44:25,040
Speaker 4: Someone else said I would pay for it to stop

988
00:44:25,080 --> 00:44:27,200
Speaker 4: the drama and then never be friends with them again.

989
00:44:27,520 --> 00:44:28,279
Speaker 5: Oh what.

990
00:44:29,760 --> 00:44:32,920
Speaker 4: Imagine like, guys, because we're not saying that you're fighting

991
00:44:33,000 --> 00:44:36,680
Speaker 4: or that there's any animosity. I suppose we're saying you

992
00:44:36,719 --> 00:44:38,600
Speaker 4: broake the TV. We just want to know who's fold

993
00:44:38,600 --> 00:44:40,799
Speaker 4: it is. You're going to cut a friend out, if

994
00:44:40,800 --> 00:44:44,360
Speaker 4: my friendship, if my friendship is so fragile that a

995
00:44:44,480 --> 00:44:47,480
Speaker 4: broken TV is going to fracture it, keep it, keep

996
00:44:47,520 --> 00:44:48,360
Speaker 4: the broken TV.

997
00:44:48,800 --> 00:44:50,040
Speaker 2: I don't need you as my friend.

998
00:44:50,480 --> 00:44:52,520
Speaker 6: I mean, because there are valid points on both sides,

999
00:44:52,800 --> 00:44:54,000
Speaker 6: you don't really chuck it in.

1000
00:44:54,400 --> 00:44:56,760
Speaker 4: Someone else said, doing a favor doesn't mean you're exempt

1001
00:44:56,760 --> 00:44:59,000
Speaker 4: from righting wrongs, even if accidental.

1002
00:45:00,440 --> 00:45:01,280
Speaker 2: That's dramatic.

1003
00:45:01,400 --> 00:45:03,600
Speaker 4: Someone else said if they wanted to save money by

1004
00:45:03,640 --> 00:45:07,000
Speaker 4: having someone that's not a professional with insurance, that's on them.

1005
00:45:07,200 --> 00:45:09,480
Speaker 4: They also shouldn't have left their brand new TV in

1006
00:45:09,520 --> 00:45:12,160
Speaker 4: the room where the work was being done. Howder why

1007
00:45:12,320 --> 00:45:15,440
Speaker 4: was the TV there? It's a great point anyway. You know,

1008
00:45:15,640 --> 00:45:20,040
Speaker 4: there's always context missing from a lot of these dms,

1009
00:45:20,040 --> 00:45:22,400
Speaker 4: which is fine. That makes it fun, that makes it spicy.

1010
00:45:22,440 --> 00:45:25,560
Speaker 4: But I think this, guys, is the first.

1011
00:45:25,880 --> 00:45:28,319
Speaker 2: I think it is. Yeah, it's the first. What is it, Jess?

1012
00:45:28,360 --> 00:45:32,760
Speaker 2: The first? What disagreement? No? Yes, maybe same?

1013
00:45:32,800 --> 00:45:34,760
Speaker 4: But I was going to say, this is the first

1014
00:45:34,880 --> 00:45:37,759
Speaker 4: DM where we haven't said the answer is communication.

1015
00:45:38,080 --> 00:45:41,719
Speaker 2: Oh, I hate It's not too late. You you us,

1016
00:45:43,040 --> 00:45:45,560
Speaker 2: you knew us. All Right. With that, we are off.

1017
00:45:45,680 --> 00:45:48,000
Speaker 4: Thank you for tuning into our first Friday episode of

1018
00:45:48,080 --> 00:45:50,880
Speaker 4: the year. We are hoping to ride this motivation wave.

1019
00:45:51,280 --> 00:45:53,280
Speaker 4: I want to remind you as well if you're feeling

1020
00:45:53,360 --> 00:45:57,799
Speaker 4: incredibly motivated. I am running a financial Foundation's workshop on

1021
00:45:58,040 --> 00:46:01,040
Speaker 4: January eighth, which I know is going to be pivotal

1022
00:46:01,080 --> 00:46:02,879
Speaker 4: for a lot of people. I ran it last year

1023
00:46:02,880 --> 00:46:04,719
Speaker 4: as kind of like a test because I knew it'd

1024
00:46:04,760 --> 00:46:06,120
Speaker 4: be good. But I was like, let's just do it

1025
00:46:06,200 --> 00:46:07,840
Speaker 4: late last year, see how it goes, so that I

1026
00:46:07,840 --> 00:46:10,239
Speaker 4: could set everybody up for success in the new year.

1027
00:46:10,280 --> 00:46:12,040
Speaker 4: And I think it is going to be the perfect

1028
00:46:12,040 --> 00:46:14,640
Speaker 4: way to start your year on a financial high. So

1029
00:46:14,960 --> 00:46:16,640
Speaker 4: that is running on the eighth of January, and I

1030
00:46:16,640 --> 00:46:18,479
Speaker 4: will put all the information in the show notes.

1031
00:46:18,520 --> 00:46:20,040
Speaker 2: It's also going to be spammed all.

1032
00:46:19,960 --> 00:46:22,440
Speaker 4: Over our Instagram, all over my Instagram. It's probably a

1033
00:46:22,440 --> 00:46:24,480
Speaker 4: new newsletter. If you miss it, that's on you, not

1034
00:46:24,560 --> 00:46:27,560
Speaker 4: on me. I promise all right, have a good day, guys,

1035
00:46:27,560 --> 00:46:29,319
Speaker 4: and we will see you bright nearly on Monday for

1036
00:46:29,360 --> 00:46:37,560
Speaker 4: our money Diary by guys been here. The advice shared

1037
00:46:37,600 --> 00:46:40,000
Speaker 4: on She's on the Money is general in nature and

1038
00:46:40,040 --> 00:46:43,680
Speaker 4: does not consider your individual circumstances. She's on the Money

1039
00:46:43,800 --> 00:46:47,360
Speaker 4: exists purely for educational purposes and should not be relied

1040
00:46:47,400 --> 00:46:49,840
Speaker 4: upon to make an investment or financial decision.

1041
00:46:50,239 --> 00:46:52,480
Speaker 2: If you do choose to buy a financial.

1042
00:46:52,040 --> 00:46:56,040
Speaker 4: Product, read the PDS TMD and obtain appropriate financial.

1043
00:46:55,600 --> 00:46:59,520
Speaker 2: Advice tailored towards your needs. Victoria Divine and She's on

1044
00:46:59,560 --> 00:46:59,960
Speaker 2: the Money.

1045
00:47:00,239 --> 00:47:03,600
Speaker 4: Authorized Representatives of Money, sirper P T Y L T

1046
00:47:03,760 --> 00:47:06,520
Speaker 4: D A B N three two one six four nine

1047
00:47:06,600 --> 00:47:09,600
Speaker 4: two seven seven zero eight a F s L four

1048
00:47:09,640 --> 00:47:14,480
Speaker 4: five one two eight nine