1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerney Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,680 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:36,560 Speaker 3: She's on the Money. 12 00:00:36,720 --> 00:00:54,040 Speaker 4: She's on the Money. 13 00:00:57,760 --> 00:01:01,120 Speaker 2: Hello, and welcome to She's on the the podcast for 14 00:01:01,200 --> 00:01:05,200 Speaker 2: millennials who want financial freedom. Welcome back to another one 15 00:01:05,240 --> 00:01:08,000 Speaker 2: of our money diaries where I get the absolute privilege 16 00:01:08,000 --> 00:01:10,040 Speaker 2: of talking to one of our incredible She's on the 17 00:01:10,040 --> 00:01:13,640 Speaker 2: Money community members all about their journey. Let's jump straight 18 00:01:13,680 --> 00:01:15,800 Speaker 2: into it, because we got a message this week and 19 00:01:15,840 --> 00:01:19,080 Speaker 2: it sounded like this. Hi, She's on the Money team. 20 00:01:19,280 --> 00:01:21,240 Speaker 2: I'm a thirty two year old mother of two who's 21 00:01:21,240 --> 00:01:24,560 Speaker 2: a geophysicist in the energy industry making one hundred and 22 00:01:24,600 --> 00:01:27,880 Speaker 2: fifty two thousand dollars only working four days a week. 23 00:01:28,160 --> 00:01:31,240 Speaker 2: I followed in my father's career footsteps, but not before 24 00:01:31,280 --> 00:01:34,640 Speaker 2: going through my own cycle of consumer debt. I'm passionate 25 00:01:34,680 --> 00:01:37,520 Speaker 2: about pay transparency, and I wanted to shed some light 26 00:01:37,600 --> 00:01:40,679 Speaker 2: on the earning potential in industries many people don't know 27 00:01:40,760 --> 00:01:43,280 Speaker 2: about money. Garis welcome to the show. 28 00:01:43,840 --> 00:01:45,280 Speaker 3: Hello, thank you for having me. 29 00:01:45,640 --> 00:01:48,280 Speaker 2: Oh my gosh, do you get really excited being able 30 00:01:48,320 --> 00:01:50,760 Speaker 2: to say, well, I'm a geophysicist, Like, I just feel 31 00:01:50,760 --> 00:01:51,880 Speaker 2: like that's big dog energy. 32 00:01:52,440 --> 00:01:54,920 Speaker 3: I mean, it sounds a lot fancy than it actually is. 33 00:01:55,120 --> 00:01:58,120 Speaker 3: But it's kind of funny to see people's looks for me, Like, 34 00:01:58,160 --> 00:01:59,280 Speaker 3: I have no idea what that is. 35 00:01:59,480 --> 00:02:02,280 Speaker 2: I love that, Like, I'm not going to pretend I 36 00:02:02,400 --> 00:02:04,360 Speaker 2: know what that is. I think it's got something to 37 00:02:04,400 --> 00:02:07,680 Speaker 2: do with rocks, but I would love to get into it. 38 00:02:08,240 --> 00:02:08,640 Speaker 3: Yeah. 39 00:02:08,720 --> 00:02:11,280 Speaker 2: Yeah, it looks slowly, slowly. Let's not make me look 40 00:02:11,320 --> 00:02:14,000 Speaker 2: too silly, too early, but let's get into it, because 41 00:02:14,000 --> 00:02:16,720 Speaker 2: I'm really excited to learn about this. Pay transparency is 42 00:02:16,760 --> 00:02:19,880 Speaker 2: obviously something I am wildly passionate about, but I also 43 00:02:20,080 --> 00:02:22,360 Speaker 2: I need to know how a mum of two who's 44 00:02:22,400 --> 00:02:24,960 Speaker 2: only thirty two, we're basically the same age as earning 45 00:02:25,000 --> 00:02:27,440 Speaker 2: one hundred and fifty two grand, not even having to 46 00:02:27,480 --> 00:02:30,040 Speaker 2: work a full work week. So let's get into it. 47 00:02:30,360 --> 00:02:32,640 Speaker 2: But first things first, I want to ask what grade 48 00:02:32,639 --> 00:02:34,920 Speaker 2: would you give your money habits on a scale of 49 00:02:34,960 --> 00:02:35,720 Speaker 2: A through F. 50 00:02:35,840 --> 00:02:38,720 Speaker 3: So I actually don't like this question most of it 51 00:02:38,760 --> 00:02:41,280 Speaker 3: because it reminds me of doing performance reviews at work 52 00:02:41,320 --> 00:02:42,200 Speaker 3: where you're having. 53 00:02:42,000 --> 00:02:44,360 Speaker 2: To, oh, sorry to trigger you to. 54 00:02:44,240 --> 00:02:48,240 Speaker 3: Straddle the line of like, you know, humble, but also 55 00:02:49,000 --> 00:02:50,600 Speaker 3: trying to tell it how it is, but also trying 56 00:02:50,600 --> 00:02:51,280 Speaker 3: to get that promotion. 57 00:02:51,600 --> 00:02:53,680 Speaker 2: Oh, this is anonymous. This is not the time to 58 00:02:53,680 --> 00:02:56,360 Speaker 2: be humble, my friend. So let's be corporate. Let's circle 59 00:02:56,480 --> 00:03:01,560 Speaker 2: back and answer the question. So gonna say a yes, queen. 60 00:03:01,960 --> 00:03:02,840 Speaker 3: Yeah. 61 00:03:03,040 --> 00:03:05,840 Speaker 2: We'll get into why when we're in how right after this. 62 00:03:06,280 --> 00:03:08,480 Speaker 2: But I think that this is not the community to 63 00:03:08,480 --> 00:03:11,160 Speaker 2: be humble in, my friend. Like I will celebrate any win. 64 00:03:11,240 --> 00:03:14,000 Speaker 2: You bought your first house, let's celebrate you saved money 65 00:03:14,000 --> 00:03:16,520 Speaker 2: on your groceries, let's celebrate you got out of consumer 66 00:03:16,560 --> 00:03:19,000 Speaker 2: that I am partying with you, Like, I don't care 67 00:03:19,160 --> 00:03:21,960 Speaker 2: how big or small your money in is, Like they're 68 00:03:22,000 --> 00:03:24,120 Speaker 2: all for me. Like humble is not a word that 69 00:03:24,200 --> 00:03:26,919 Speaker 2: I think should exist in our vocabulary, and I think 70 00:03:26,960 --> 00:03:29,880 Speaker 2: for so long, and I'm sure given the industry you're in, 71 00:03:30,520 --> 00:03:33,720 Speaker 2: women have put themselves behind by trying to be too 72 00:03:33,800 --> 00:03:37,320 Speaker 2: humble and like go, oh well, my own horn too much, 73 00:03:37,560 --> 00:03:39,680 Speaker 2: and then it ends up biting you in the backside, 74 00:03:39,720 --> 00:03:41,560 Speaker 2: and that's not a good thing at all. So like, 75 00:03:41,800 --> 00:03:44,600 Speaker 2: let's just throw humble out the door and just be honest. 76 00:03:44,720 --> 00:03:45,240 Speaker 2: How about that? 77 00:03:46,320 --> 00:03:48,200 Speaker 3: Great, Let's do that, all right? 78 00:03:48,240 --> 00:03:51,400 Speaker 2: Agreed? Agreed, Let's carry on with the interview. I'm gonna 79 00:03:51,400 --> 00:03:54,120 Speaker 2: ask my favorite question of all time. Can you please 80 00:03:54,200 --> 00:03:56,640 Speaker 2: tell us a little bit more about your money story. 81 00:03:56,960 --> 00:03:59,040 Speaker 3: Yes, I was thinking a lot about this, and I 82 00:03:59,040 --> 00:04:02,280 Speaker 3: actually I don't think money has ever really stressed me out. 83 00:04:02,720 --> 00:04:05,280 Speaker 3: I've always worked a lot, and even when I had 84 00:04:05,320 --> 00:04:07,720 Speaker 3: no money because I was spending a lot of money, 85 00:04:07,840 --> 00:04:10,360 Speaker 3: I'd never really I didn't really find it very stressful. 86 00:04:10,760 --> 00:04:13,360 Speaker 3: I had three jobs in high school, and I was 87 00:04:13,400 --> 00:04:16,640 Speaker 3: just always really busy, and I found money to be 88 00:04:16,720 --> 00:04:18,720 Speaker 3: very fluid, like it came in and then it went 89 00:04:18,800 --> 00:04:22,320 Speaker 3: straight back out again. And that was pretty much happening 90 00:04:22,360 --> 00:04:24,920 Speaker 3: for most of my teenage life and then into my twenties. 91 00:04:25,440 --> 00:04:30,320 Speaker 3: I did the classic credit cards and got into quite 92 00:04:30,320 --> 00:04:32,359 Speaker 3: a lot of consumer debt. And I'd go on a 93 00:04:32,400 --> 00:04:34,279 Speaker 3: holiday and be like, oh, I just put that all 94 00:04:34,320 --> 00:04:36,239 Speaker 3: in the credit card. I'll pay for it later. It's fine. 95 00:04:36,320 --> 00:04:38,080 Speaker 3: But because I was always working so much, it never 96 00:04:38,120 --> 00:04:40,000 Speaker 3: really stressed me that I couldn't pay it. It was 97 00:04:40,120 --> 00:04:43,279 Speaker 3: just it just came in and out. Really, when I 98 00:04:43,279 --> 00:04:45,160 Speaker 3: bought my first car, I got a car loan. It 99 00:04:45,200 --> 00:04:47,000 Speaker 3: didn't actually occur to me that you didn't buy a 100 00:04:47,040 --> 00:04:50,560 Speaker 3: car using a car loan. I didn't realize that people 101 00:04:50,600 --> 00:04:52,760 Speaker 3: just paid cash for cars. It was very I just 102 00:04:52,800 --> 00:04:53,720 Speaker 3: thought that's what you did. 103 00:04:53,920 --> 00:04:56,560 Speaker 2: I was the same, don't worry, my friend. I just 104 00:04:56,600 --> 00:04:59,279 Speaker 2: assumed that's how people acquired cars, Like who on earth 105 00:04:59,279 --> 00:05:01,799 Speaker 2: would have fourteen one thousand dollars just in their account? 106 00:05:01,920 --> 00:05:05,640 Speaker 2: To me, that was absolutely absurd. Nowadays, I'm like carloons, 107 00:05:05,800 --> 00:05:08,159 Speaker 2: like I mean, I write my business and they're not 108 00:05:08,200 --> 00:05:10,279 Speaker 2: the worst thing in the entire world. They can be 109 00:05:10,360 --> 00:05:16,239 Speaker 2: quite constructive. But I wouldn't have one myself by yes, So. 110 00:05:16,240 --> 00:05:20,440 Speaker 3: It kind of all changed when I met my now husband, 111 00:05:20,839 --> 00:05:24,440 Speaker 3: and we are very money transparent with each other from 112 00:05:24,440 --> 00:05:27,400 Speaker 3: a really early in our relationship, and I remember him 113 00:05:27,400 --> 00:05:30,200 Speaker 3: telling me that he had forty thousand dollars in savings, 114 00:05:30,200 --> 00:05:33,360 Speaker 3: and I was blown away. I was like, how do 115 00:05:33,400 --> 00:05:34,239 Speaker 3: you have that much money? 116 00:05:34,320 --> 00:05:36,680 Speaker 2: That what made you get married? Because I would have 117 00:05:36,680 --> 00:05:37,800 Speaker 2: been like, that's really. 118 00:05:37,560 --> 00:05:40,799 Speaker 3: Sexy, So basically like really doesn't. 119 00:05:43,640 --> 00:05:46,080 Speaker 2: So it actually became my sugar daddy, and I just say, 120 00:05:46,080 --> 00:05:49,279 Speaker 2: I'm a geophysicist, and I just I don't do any. 121 00:05:49,120 --> 00:05:52,039 Speaker 3: Of that victoria. You've just seen right through me here 122 00:05:52,320 --> 00:05:54,080 Speaker 3: and maybe put a mirror to myself and be like, 123 00:05:54,120 --> 00:05:57,719 Speaker 3: what are you doing. You're making a good income. You 124 00:05:57,800 --> 00:06:00,839 Speaker 3: need to sort this out. So we didn't classic sort 125 00:06:00,839 --> 00:06:03,560 Speaker 3: of barefoot investor and then really got into podcasts like 126 00:06:03,600 --> 00:06:07,400 Speaker 3: She's on the Money and really turned it around to 127 00:06:07,680 --> 00:06:11,720 Speaker 3: make our money, start working for us, and work to 128 00:06:12,560 --> 00:06:15,280 Speaker 3: benefit from the great salaries that we have. Yeah. 129 00:06:15,360 --> 00:06:18,239 Speaker 2: No, I think that that is such a relatable journey. 130 00:06:18,320 --> 00:06:20,200 Speaker 2: I have a few questions, though, how do you meet 131 00:06:20,200 --> 00:06:20,760 Speaker 2: a husband? 132 00:06:21,600 --> 00:06:24,320 Speaker 3: We met at work? Oh we met it? 133 00:06:24,400 --> 00:06:26,600 Speaker 2: Well, Hey, that's a really wholesome story. I feel like 134 00:06:26,680 --> 00:06:28,800 Speaker 2: every man and his dogs met their partner on bumble 135 00:06:28,839 --> 00:06:30,520 Speaker 2: at the moment, and that's the boat I'm in. So 136 00:06:30,520 --> 00:06:33,000 Speaker 2: I just kind of expected any other thirty two year 137 00:06:33,000 --> 00:06:35,839 Speaker 2: old woman to be like, yep, tinder bumble pinge something. 138 00:06:36,279 --> 00:06:38,480 Speaker 3: Yeah, he's an engineer and I'm a GEP physicist and 139 00:06:38,520 --> 00:06:41,000 Speaker 3: we were working on the same project. And it makes 140 00:06:41,000 --> 00:06:43,840 Speaker 3: it sound like we sort of like locked eyes across 141 00:06:43,880 --> 00:06:46,280 Speaker 3: this like you know program that we were doing, and 142 00:06:46,320 --> 00:06:47,919 Speaker 3: it wasn't like that at all. We just became friends 143 00:06:47,960 --> 00:06:49,720 Speaker 3: and then it's sort of blossomed from there. But it's 144 00:06:49,800 --> 00:06:50,239 Speaker 3: quite Hanny. 145 00:06:50,279 --> 00:06:53,120 Speaker 2: We not ruined the magic. Please. I've just got this idea. 146 00:06:53,200 --> 00:06:57,039 Speaker 2: It's a bit like a Big Bang Theory style romance. 147 00:06:57,240 --> 00:06:59,359 Speaker 2: So I would like to carry that on in my 148 00:06:59,480 --> 00:07:04,120 Speaker 2: head for the of this interview. If that's okay, Money Diarist, absolutely, 149 00:07:06,400 --> 00:07:08,599 Speaker 2: I also really want to ask, so you said a 150 00:07:08,640 --> 00:07:10,680 Speaker 2: lot about Look, I worked a lot when I was 151 00:07:10,680 --> 00:07:13,560 Speaker 2: in high school. Money wasn't really stressful to me. It 152 00:07:13,600 --> 00:07:17,920 Speaker 2: was very fluid. That tells me a lot about your 153 00:07:17,960 --> 00:07:20,400 Speaker 2: money story in itself. I kind of want to ask 154 00:07:20,600 --> 00:07:23,600 Speaker 2: in a pervy way, I guess what was money like 155 00:07:23,760 --> 00:07:26,480 Speaker 2: growing up? So did your parents have a lot or 156 00:07:26,480 --> 00:07:29,360 Speaker 2: a little? Is that something that you weren't too stressed 157 00:07:29,360 --> 00:07:32,280 Speaker 2: about money because your parents weren't. Are they values that 158 00:07:32,320 --> 00:07:34,280 Speaker 2: were instilled in you or was it you're going, you 159 00:07:34,320 --> 00:07:36,480 Speaker 2: know what, I really need to work myself because I 160 00:07:36,480 --> 00:07:38,200 Speaker 2: don't have enough. I want to know a bit more 161 00:07:38,240 --> 00:07:42,200 Speaker 2: about that because it kind of helps to contextualize the 162 00:07:42,200 --> 00:07:45,280 Speaker 2: information you've given us about how you currently feel about money. 163 00:07:45,520 --> 00:07:48,040 Speaker 3: Yeah, so we always had enough, like when it was 164 00:07:48,120 --> 00:07:52,160 Speaker 3: never never an issue, I guess in our household. My 165 00:07:52,240 --> 00:07:56,480 Speaker 3: dad is a dear physicist too, and he made you know, 166 00:07:56,560 --> 00:07:58,600 Speaker 3: good money as well. But my mum didn't work. She 167 00:07:58,640 --> 00:07:59,920 Speaker 3: was a stay at home mum, and then she did 168 00:08:00,120 --> 00:08:02,000 Speaker 3: bunch of other bits and pieces, but mostly it was 169 00:08:02,040 --> 00:08:05,160 Speaker 3: my dad supporting the family. But they have a very 170 00:08:05,160 --> 00:08:07,800 Speaker 3: casual approach to money as well. I'm pretty sure my 171 00:08:07,920 --> 00:08:09,880 Speaker 3: dad would just give everything he has a way and 172 00:08:10,000 --> 00:08:12,200 Speaker 3: not even blink and eye like he just didn't. Really 173 00:08:12,320 --> 00:08:15,880 Speaker 3: it wasn't stressful for him either. But I do remember 174 00:08:15,920 --> 00:08:18,120 Speaker 3: my mum being very budget conscious and like, you know, 175 00:08:18,160 --> 00:08:19,920 Speaker 3: we're going to spend one hundred dollars on gross fees 176 00:08:19,960 --> 00:08:21,320 Speaker 3: this week and that's all we're going to spend. Or 177 00:08:21,360 --> 00:08:23,760 Speaker 3: you've got, you know, fifty dollars to buy new clothes 178 00:08:23,760 --> 00:08:26,080 Speaker 3: for this winter or whatever it is. That's fifty dollars 179 00:08:26,200 --> 00:08:30,280 Speaker 3: is not nearly enough nowadays, but for the extra curriculous things, 180 00:08:30,440 --> 00:08:31,920 Speaker 3: it was you can do it, but you have to 181 00:08:31,960 --> 00:08:34,600 Speaker 3: pay for it yourself. So there was ski trips at 182 00:08:34,600 --> 00:08:36,400 Speaker 3: school that I wanted to go on that I had 183 00:08:36,440 --> 00:08:38,800 Speaker 3: to save money and pay for myself. There was a 184 00:08:38,880 --> 00:08:43,240 Speaker 3: volunteer program that was two weeks in Africa that I 185 00:08:43,280 --> 00:08:47,120 Speaker 3: had to save two thousand dollars for. And when I'm sixteen, that's, 186 00:08:47,240 --> 00:08:49,319 Speaker 3: you know, a huge amount of money. So that's why 187 00:08:49,360 --> 00:08:50,439 Speaker 3: I just started working so. 188 00:08:50,480 --> 00:08:53,839 Speaker 2: Much, so much money. I'm so glad, I asked, because 189 00:08:53,880 --> 00:08:56,880 Speaker 2: I feel like sometimes when people say, oh, yeah, money 190 00:08:56,920 --> 00:08:59,440 Speaker 2: was really fluid, I didn't care too much. Often you 191 00:08:59,520 --> 00:09:03,000 Speaker 2: find that the reality of that, I guess situation is 192 00:09:03,040 --> 00:09:05,760 Speaker 2: that they just were given everything. And obviously money is 193 00:09:05,800 --> 00:09:08,280 Speaker 2: really easy if you're given a free thing. But to 194 00:09:08,360 --> 00:09:10,560 Speaker 2: know that, I guess that came from your own work 195 00:09:10,559 --> 00:09:13,120 Speaker 2: ethic and being taught Okay, well, we'll give you all 196 00:09:13,120 --> 00:09:15,320 Speaker 2: the bare necessities, and if you want to do all 197 00:09:15,360 --> 00:09:18,280 Speaker 2: the fun stuff like going to Africa or going on 198 00:09:18,320 --> 00:09:20,160 Speaker 2: a ski trip, like you've got to work for that. 199 00:09:20,160 --> 00:09:23,080 Speaker 2: That probably set you up really nicely for a good 200 00:09:23,080 --> 00:09:26,000 Speaker 2: work ethic going I guess into adult life. Do you 201 00:09:26,000 --> 00:09:27,000 Speaker 2: think that that was the. 202 00:09:26,920 --> 00:09:30,560 Speaker 3: Case, definitely. I mean I was never shy of working, 203 00:09:31,080 --> 00:09:32,880 Speaker 3: even when I was at UNI. Even when I was 204 00:09:33,440 --> 00:09:36,720 Speaker 3: you know, it was always if you want something, you 205 00:09:36,880 --> 00:09:38,760 Speaker 3: just work hard for it and then you'll be fine. 206 00:09:39,360 --> 00:09:41,000 Speaker 3: So yeah, I think I think it definitely set me 207 00:09:41,040 --> 00:09:44,120 Speaker 3: up work ethic wise. But it did sort of because 208 00:09:44,160 --> 00:09:46,480 Speaker 3: they never really taught me about saving. I would save 209 00:09:46,559 --> 00:09:48,360 Speaker 3: up for these trips and then I would go back 210 00:09:48,400 --> 00:09:50,320 Speaker 3: to a zero bank account and have to start all 211 00:09:50,360 --> 00:09:50,800 Speaker 3: over again. 212 00:09:51,240 --> 00:09:54,240 Speaker 2: Yeah, no, that makes a lot of sense. All right, 213 00:09:54,360 --> 00:09:56,560 Speaker 2: let's talk about your bank account though. I want to 214 00:09:56,600 --> 00:09:59,439 Speaker 2: know what do you do specifically for work and how 215 00:09:59,520 --> 00:10:00,760 Speaker 2: much money do you earn? 216 00:10:01,280 --> 00:10:04,880 Speaker 3: So I'm a geophysicist. Well, actually currently I'm on maternity leave, 217 00:10:04,920 --> 00:10:06,600 Speaker 3: so things are a little bit different right in this 218 00:10:06,880 --> 00:10:09,599 Speaker 3: very second. But as of six weeks ago, I was 219 00:10:09,640 --> 00:10:12,440 Speaker 3: a geophysicist earning one hundred and fifty two thousand, only 220 00:10:12,440 --> 00:10:14,640 Speaker 3: working four days a week because I have a toddler 221 00:10:14,640 --> 00:10:16,319 Speaker 3: at home and didn't want to go back full time. 222 00:10:16,880 --> 00:10:20,079 Speaker 3: I'm in the energy industry, and I guess you probably 223 00:10:20,080 --> 00:10:23,120 Speaker 3: want to know what a geophysicist is and does. Yeah. 224 00:10:23,200 --> 00:10:25,120 Speaker 2: Yeah, if you could just make me not look too 225 00:10:25,160 --> 00:10:28,040 Speaker 2: silly while explaining it. That would be fantastic, but you 226 00:10:28,080 --> 00:10:28,640 Speaker 2: know what you do. 227 00:10:28,679 --> 00:10:33,920 Speaker 3: You so basically I work with seismic data. And you've 228 00:10:33,920 --> 00:10:35,479 Speaker 3: probably heard the word seismic. 229 00:10:35,120 --> 00:10:38,560 Speaker 2: Frast oh yeah, totally yeah, yeah, seismic data. 230 00:10:38,679 --> 00:10:43,560 Speaker 3: M m yeah yeah from like earthquakes, emit seismic data, 231 00:10:43,679 --> 00:10:46,520 Speaker 3: and it's basically sound waves. But a really good way 232 00:10:46,559 --> 00:10:48,319 Speaker 3: of thinking about it is, I mean everyone knows what 233 00:10:48,360 --> 00:10:51,480 Speaker 3: an ultrasound in is and what a sonographer does, yes, 234 00:10:51,640 --> 00:10:54,079 Speaker 3: where they take pictures of your belly and your babies 235 00:10:54,120 --> 00:10:56,520 Speaker 3: and everything like that and they use tiny little sound 236 00:10:56,559 --> 00:10:59,319 Speaker 3: waves to see what's inside. I basically do that but 237 00:10:59,480 --> 00:11:02,480 Speaker 3: to earth, so it's on a much bigger scale and 238 00:11:03,520 --> 00:11:07,359 Speaker 3: it's a lot more expensive, but it's it's the same technologies. 239 00:11:07,640 --> 00:11:07,800 Speaker 1: Yeah. 240 00:11:07,840 --> 00:11:11,160 Speaker 2: I've had ultrasounds before and just one ultrasound cost me 241 00:11:11,320 --> 00:11:14,160 Speaker 2: like three hundred and thirty dollars and I got like 242 00:11:14,400 --> 00:11:16,640 Speaker 2: not that much back. So like, I can't imagine, now, 243 00:11:16,679 --> 00:11:18,280 Speaker 2: when do they pay you one hundred and fifty two 244 00:11:18,320 --> 00:11:21,599 Speaker 2: thousand dollars, my friend? Because like I'm pretty small, the 245 00:11:21,679 --> 00:11:22,640 Speaker 2: Earth is pretty big. 246 00:11:23,000 --> 00:11:25,400 Speaker 3: Yeah, I mean it's not unusual for a seismic survey 247 00:11:25,520 --> 00:11:28,560 Speaker 3: to cost about ten million dollars. That's really not unusual 248 00:11:28,600 --> 00:11:28,880 Speaker 3: at all. 249 00:11:29,640 --> 00:11:31,520 Speaker 2: Oh my gosh, but that's a really good way of 250 00:11:31,559 --> 00:11:33,680 Speaker 2: putting it, And that's kind of a really cool job. 251 00:11:33,760 --> 00:11:36,720 Speaker 2: But I need to know because like, obviously one hundred 252 00:11:36,760 --> 00:11:39,520 Speaker 2: and fifty two thousand dollars, that's pretty sexy, Like a 253 00:11:39,559 --> 00:11:41,480 Speaker 2: lot of people want to earn that. So, like, if 254 00:11:41,520 --> 00:11:43,960 Speaker 2: I'm listening to you, you sound super relatable, you sound 255 00:11:44,080 --> 00:11:47,439 Speaker 2: super fun. You obviously have really good work life balance. 256 00:11:47,559 --> 00:11:49,400 Speaker 2: I mean at the moment, you've got a six week old, 257 00:11:49,559 --> 00:11:52,640 Speaker 2: so maybe not that greater like life life balance, but 258 00:11:52,760 --> 00:11:55,800 Speaker 2: like we'll get there. How do we become a geophysicist? 259 00:11:55,880 --> 00:11:58,679 Speaker 2: If this income sounds very attractive. 260 00:11:58,400 --> 00:12:00,839 Speaker 3: It's absolutely doable. Like it's I did a Bachelor of 261 00:12:00,960 --> 00:12:04,720 Speaker 3: Science majoring in geology and geophysics. There's not nearly as 262 00:12:04,800 --> 00:12:07,640 Speaker 3: much maths as you think there is, and you get 263 00:12:07,640 --> 00:12:09,000 Speaker 3: to go on a lot of field trips and spend 264 00:12:09,000 --> 00:12:10,839 Speaker 3: a lot of time outside doing a geology degree. So 265 00:12:10,880 --> 00:12:13,599 Speaker 3: I can recommend I read somewhere that geologists are the 266 00:12:13,640 --> 00:12:15,800 Speaker 3: happiest people on campus because they just get to spend 267 00:12:15,840 --> 00:12:19,360 Speaker 3: all this time outside like looking at the earth. And 268 00:12:19,880 --> 00:12:23,760 Speaker 3: then I did an honors in specific geology in geophysics 269 00:12:24,200 --> 00:12:26,719 Speaker 3: at a different university. But that's it. It was a 270 00:12:26,760 --> 00:12:28,640 Speaker 3: four year degree and then I got hired by the 271 00:12:28,679 --> 00:12:29,400 Speaker 3: company i'm at now. 272 00:12:29,600 --> 00:12:34,800 Speaker 2: Yeah, that's it. Yeah, that's it. It's real specific. Yeah, yeah, 273 00:12:35,160 --> 00:12:37,120 Speaker 2: you are really playing, yes, my friend. 274 00:12:37,360 --> 00:12:40,640 Speaker 3: I just I mean, if you every university degree is 275 00:12:40,679 --> 00:12:43,120 Speaker 3: difficult when you're in your early twenties and you're you know, 276 00:12:43,240 --> 00:12:45,160 Speaker 3: struggling to focus and you've got to put the effort 277 00:12:45,160 --> 00:12:46,880 Speaker 3: in and you've got to put the time in. But 278 00:12:47,040 --> 00:12:50,319 Speaker 3: it's you don't have to be like, you know, a 279 00:12:50,440 --> 00:12:53,240 Speaker 3: super whiz at maths or a super wiz at physics 280 00:12:53,400 --> 00:12:55,839 Speaker 3: or a super like. It is an achievable thing to 281 00:12:55,960 --> 00:12:59,720 Speaker 3: do and it's fun. And then I mean base salaries 282 00:12:59,760 --> 00:13:04,439 Speaker 3: come out of that kind of degree into the energy 283 00:13:04,480 --> 00:13:07,600 Speaker 3: industry or into the resources industry. You're starting at one 284 00:13:07,640 --> 00:13:12,040 Speaker 3: hundred thousand dollars easily, easily, Like I started at ninety 285 00:13:12,080 --> 00:13:14,400 Speaker 3: two thousand dollars and that was ten years ago. Oh 286 00:13:14,480 --> 00:13:15,080 Speaker 3: my gosh. 287 00:13:15,720 --> 00:13:19,240 Speaker 2: Yeah, it's really interesting as well, because I'm just going 288 00:13:19,320 --> 00:13:21,599 Speaker 2: to back it up a little bit. Obviously, that is 289 00:13:21,760 --> 00:13:24,240 Speaker 2: really epic, Like the idea that you did a Bachelor 290 00:13:24,240 --> 00:13:27,080 Speaker 2: of Science and then you know, an honors in specific geology, 291 00:13:27,240 --> 00:13:29,240 Speaker 2: like all of that, you know, as much as I'm 292 00:13:29,280 --> 00:13:34,040 Speaker 2: being silly, is really impressive. But it's also relatively specific. 293 00:13:34,559 --> 00:13:37,679 Speaker 2: And when I was eighteen years old or I was seventeen, 294 00:13:37,760 --> 00:13:40,960 Speaker 2: and I was putting down my preferences of which universities 295 00:13:41,000 --> 00:13:43,120 Speaker 2: I wanted to go to, I'm not going to lie. 296 00:13:43,440 --> 00:13:46,120 Speaker 2: I don't think I even knew that this career existed, 297 00:13:46,320 --> 00:13:48,079 Speaker 2: or that it was an option for me, or the 298 00:13:48,200 --> 00:13:51,400 Speaker 2: earning capacity of that role looked like that. And I 299 00:13:51,440 --> 00:13:54,439 Speaker 2: think that that's something that as a teenager trying to 300 00:13:54,520 --> 00:13:57,160 Speaker 2: pick your future career, like you kind of just pick 301 00:13:57,240 --> 00:14:00,560 Speaker 2: what you're passionate about. And obviously you had your dad, 302 00:14:00,800 --> 00:14:03,160 Speaker 2: so you said, I followed in my father's footsteps. So 303 00:14:03,200 --> 00:14:05,719 Speaker 2: I'm assuming that your dad probably helped you pick what 304 00:14:05,840 --> 00:14:07,439 Speaker 2: you need to do to get where you need to go. 305 00:14:08,240 --> 00:14:11,520 Speaker 2: But I guess how did you forge this career path 306 00:14:11,600 --> 00:14:14,400 Speaker 2: because obviously it's relatively specific, and if we want to 307 00:14:14,480 --> 00:14:16,280 Speaker 2: do something as well, a lot of us are going 308 00:14:16,320 --> 00:14:17,960 Speaker 2: to go, oh, my gosh, like, how did you even 309 00:14:18,080 --> 00:14:20,120 Speaker 2: know that that was what you needed to major in? 310 00:14:20,840 --> 00:14:21,480 Speaker 2: How did you know? 311 00:14:21,800 --> 00:14:24,080 Speaker 3: It's an interesting one because I took a gap year 312 00:14:24,200 --> 00:14:28,160 Speaker 3: between school and UNI and did a couple of ski 313 00:14:28,240 --> 00:14:31,040 Speaker 3: seasons as you do, and sort of fluffed about a bit. 314 00:14:31,160 --> 00:14:33,400 Speaker 3: And I really didn't think I was going to go 315 00:14:33,760 --> 00:14:36,680 Speaker 3: into science and into gear physics. I'd gotten into UNI 316 00:14:37,160 --> 00:14:40,320 Speaker 3: to do something completely different. But I spent like about 317 00:14:40,360 --> 00:14:43,880 Speaker 3: three months working for my dad and just went on, no, 318 00:14:44,440 --> 00:14:47,440 Speaker 3: we are very similar, and I find this very interesting. 319 00:14:48,200 --> 00:14:50,120 Speaker 3: And then I just was like, oh, I'm going to 320 00:14:50,160 --> 00:14:53,400 Speaker 3: become my dad, like just but then at the same time, 321 00:14:53,480 --> 00:14:55,800 Speaker 3: going well, I've lifted the pressure from all my siblings, 322 00:14:55,840 --> 00:14:59,320 Speaker 3: so I guess that's a that's good. So I think 323 00:14:59,360 --> 00:15:00,800 Speaker 3: that's one of the reason. That's why I really wanted 324 00:15:00,800 --> 00:15:02,760 Speaker 3: to talk to you guys, because if I didn't have 325 00:15:03,000 --> 00:15:05,520 Speaker 3: my dad or know someone in the industry, you just 326 00:15:05,560 --> 00:15:07,360 Speaker 3: don't know about it, and people just don't know about it, 327 00:15:07,360 --> 00:15:10,560 Speaker 3: and they don't people don't talk about earning potential and 328 00:15:10,640 --> 00:15:14,360 Speaker 3: resources industries. I don't know why, because it's like very 329 00:15:14,440 --> 00:15:17,280 Speaker 3: attractive and you're getting to do really cool stuff and 330 00:15:17,800 --> 00:15:19,320 Speaker 3: now is a really great time to be into it 331 00:15:19,360 --> 00:15:22,840 Speaker 3: because there's so much change happening in terms of like 332 00:15:23,000 --> 00:15:25,880 Speaker 3: how we operate looking at climate change and the impact 333 00:15:25,920 --> 00:15:28,240 Speaker 3: of all of that, like, it's a really interesting time 334 00:15:28,360 --> 00:15:32,600 Speaker 3: to be looking into resources. And if you don't know, 335 00:15:32,720 --> 00:15:34,320 Speaker 3: you don't know. So that's one of the reasons why 336 00:15:34,360 --> 00:15:35,560 Speaker 3: I really wanted to talk to you guys and just 337 00:15:35,560 --> 00:15:37,880 Speaker 3: sort of be transparent about what's possible. 338 00:15:38,200 --> 00:15:41,560 Speaker 2: Thank you. I am obsessed with that. I think having 339 00:15:41,680 --> 00:15:45,920 Speaker 2: conversations not only about pay, transparency about career progression is 340 00:15:46,000 --> 00:15:48,400 Speaker 2: so important because, as I said, like, I wouldn't have 341 00:15:48,440 --> 00:15:50,520 Speaker 2: had a clue, Like I didn't have a dad that 342 00:15:50,640 --> 00:15:53,760 Speaker 2: could tell me how that worked, and I definitely didn't 343 00:15:53,800 --> 00:15:56,440 Speaker 2: have anybody else in the family that I could do that. 344 00:15:56,560 --> 00:15:59,160 Speaker 2: I mean, I grew up with brilliant parents. And when 345 00:15:59,200 --> 00:16:01,200 Speaker 2: you said, oh, I'm becoming my dad, like we have 346 00:16:01,320 --> 00:16:03,520 Speaker 2: so much in common, I laughed because I was at 347 00:16:03,600 --> 00:16:06,280 Speaker 2: dinner the other day with my parents and I was 348 00:16:06,360 --> 00:16:09,200 Speaker 2: sitting there and my dad and I threw our heads 349 00:16:09,280 --> 00:16:11,400 Speaker 2: back it exactly the same time and had like a 350 00:16:11,520 --> 00:16:14,160 Speaker 2: cut paste laugh, and then we looked at each other 351 00:16:14,240 --> 00:16:16,440 Speaker 2: and I was like, you are me, I am you 352 00:16:17,160 --> 00:16:19,720 Speaker 2: like we are we like we are exactly the same. 353 00:16:20,080 --> 00:16:22,240 Speaker 2: And then later that evening, like my mom and I 354 00:16:22,400 --> 00:16:24,920 Speaker 2: did something super similar again, and I was just like 355 00:16:25,440 --> 00:16:28,320 Speaker 2: when I was younger, I think my worst nightmare was 356 00:16:28,400 --> 00:16:30,560 Speaker 2: becoming my parents. Like I used to think, oh, like, 357 00:16:30,640 --> 00:16:32,720 Speaker 2: I don't want to be anything like my parents, and 358 00:16:32,760 --> 00:16:35,040 Speaker 2: now I'm like, what a privilege? Like these are the 359 00:16:35,120 --> 00:16:38,080 Speaker 2: coolest people in the entire world, and I'm so similar 360 00:16:38,160 --> 00:16:40,560 Speaker 2: to them, it's not funny. I find that the biggest 361 00:16:40,600 --> 00:16:43,640 Speaker 2: compliment when they're like, oh, you're so much like your dad, 362 00:16:43,800 --> 00:16:45,880 Speaker 2: or you know, both you and your dad aren't funny 363 00:16:45,880 --> 00:16:47,160 Speaker 2: at all, are you? And I'm like, ha ha ha, 364 00:16:47,520 --> 00:16:49,920 Speaker 2: Like it's to me the best thing ever. But a 365 00:16:49,960 --> 00:16:53,640 Speaker 2: lot of us don't have that privilege of education or 366 00:16:53,840 --> 00:16:56,080 Speaker 2: just learning. I mean, my dad was an accountant, which 367 00:16:56,160 --> 00:16:58,520 Speaker 2: is probably where I got some of my love of 368 00:16:58,680 --> 00:17:01,080 Speaker 2: talking about money. But I so used to cry a 369 00:17:01,160 --> 00:17:03,560 Speaker 2: lot when he was trying to teach me my time's tables. 370 00:17:03,600 --> 00:17:05,479 Speaker 2: So I'm not sure if that was constructive or if 371 00:17:05,520 --> 00:17:08,120 Speaker 2: it was traumatic. I haven't decided yet, and I'm still 372 00:17:08,320 --> 00:17:12,199 Speaker 2: like thirty one. And my mum she worked as a coroner, 373 00:17:12,520 --> 00:17:14,960 Speaker 2: So yeah, I used to be in grade three telling 374 00:17:15,000 --> 00:17:17,600 Speaker 2: people oh yeah, I no, my mom works with dead people, 375 00:17:18,040 --> 00:17:20,760 Speaker 2: And to me that was really normal. Neither of those 376 00:17:20,840 --> 00:17:24,280 Speaker 2: career paths I wanted so I forged my own. But 377 00:17:24,359 --> 00:17:27,840 Speaker 2: it's just so interesting because I didn't even know that 378 00:17:27,960 --> 00:17:30,960 Speaker 2: you could become a geophysicist in four years, like with 379 00:17:31,040 --> 00:17:32,960 Speaker 2: four years of study. I just thought that would be 380 00:17:33,080 --> 00:17:36,840 Speaker 2: like ten twelve years of study. And now you're telling me, oh, yeah, 381 00:17:36,920 --> 00:17:38,560 Speaker 2: like if you go do a Bachelor of Science, like 382 00:17:38,600 --> 00:17:41,320 Speaker 2: obviously there's some specifics to it, but then you go 383 00:17:41,400 --> 00:17:43,399 Speaker 2: and do an honors and you know you're in for 384 00:17:43,520 --> 00:17:46,720 Speaker 2: a very good career and that's life changing, right, Like 385 00:17:46,840 --> 00:17:50,200 Speaker 2: that changes the trajectory of people's lives. And if we 386 00:17:50,320 --> 00:17:53,359 Speaker 2: can even have a small impact on that, I guess 387 00:17:53,680 --> 00:17:56,800 Speaker 2: spheer of people who were relatively like me, Like, I 388 00:17:56,840 --> 00:17:59,040 Speaker 2: don't know what, I don't know. How do we learn 389 00:17:59,240 --> 00:18:02,159 Speaker 2: what different careers do and what those trajectories look like 390 00:18:02,480 --> 00:18:04,400 Speaker 2: because Google doesn't do this for us. 391 00:18:05,119 --> 00:18:07,200 Speaker 3: No, it's really interesting actually because you look at those 392 00:18:07,520 --> 00:18:09,440 Speaker 3: charts that say what are the best careers to get 393 00:18:09,480 --> 00:18:13,040 Speaker 3: into and the income next to it, and never does 394 00:18:13,080 --> 00:18:14,480 Speaker 3: anyone say gear physicist. 395 00:18:15,040 --> 00:18:17,920 Speaker 2: It's not there, No, it's not something we've talked about. 396 00:18:17,960 --> 00:18:18,760 Speaker 3: I love that. 397 00:18:19,000 --> 00:18:21,800 Speaker 2: I feel like it's so important to be transparent, but 398 00:18:21,960 --> 00:18:24,560 Speaker 2: also really important to just go Actually, I love my job. 399 00:18:24,600 --> 00:18:27,840 Speaker 2: It's really cool. While we're still talking, I guess about 400 00:18:27,840 --> 00:18:30,360 Speaker 2: your job. How are you able to work a full 401 00:18:30,440 --> 00:18:32,520 Speaker 2: day work week? Is that because you have one of 402 00:18:32,600 --> 00:18:35,320 Speaker 2: those workplaces that's taken the five day work week down 403 00:18:35,400 --> 00:18:37,879 Speaker 2: to four or is that because you're part time or like, 404 00:18:38,200 --> 00:18:41,120 Speaker 2: how does that work with? I guess work work balance? 405 00:18:41,480 --> 00:18:43,520 Speaker 3: So they actually they do do a nine day fortnite 406 00:18:43,520 --> 00:18:46,440 Speaker 3: at my work currently, but I was working part time, 407 00:18:46,560 --> 00:18:48,080 Speaker 3: so I was only working four days a week. And 408 00:18:48,119 --> 00:18:51,520 Speaker 3: it's really project based and it's not as a g 409 00:18:51,920 --> 00:18:53,639 Speaker 3: you can there's a whole bunch of different things you 410 00:18:53,680 --> 00:18:56,000 Speaker 3: can do, like work in the field, you can work 411 00:18:56,040 --> 00:18:58,760 Speaker 3: on roster, you can work you know, there's a bunch 412 00:18:58,800 --> 00:19:01,959 Speaker 3: of different ways you can you can make it happened. 413 00:19:01,960 --> 00:19:03,960 Speaker 3: But I was just working at a desk and doing 414 00:19:04,000 --> 00:19:06,680 Speaker 3: a nine to five and just when I came back 415 00:19:06,720 --> 00:19:09,679 Speaker 3: from having my eldest, decided I didn't want to work 416 00:19:09,720 --> 00:19:12,879 Speaker 3: full time, and they went, great, you can work however 417 00:19:13,080 --> 00:19:14,600 Speaker 3: much or as little as you want. And I just 418 00:19:14,680 --> 00:19:16,200 Speaker 3: came back four days a week. Yeah. 419 00:19:16,320 --> 00:19:19,600 Speaker 2: Wow, so you have two bambinos. I got the aleage 420 00:19:19,640 --> 00:19:22,440 Speaker 2: of seeing your youngest who is six weeks old, how 421 00:19:22,600 --> 00:19:26,800 Speaker 2: old is your other child, she's just turned too. How sweet. 422 00:19:26,920 --> 00:19:30,120 Speaker 2: I want to know how, at your age you made 423 00:19:30,160 --> 00:19:33,159 Speaker 2: the decision Okay, now's the time to have babies, Like, 424 00:19:33,600 --> 00:19:35,720 Speaker 2: what did you think of when you were I guess 425 00:19:35,760 --> 00:19:38,600 Speaker 2: working out what your career would look like, because for 426 00:19:38,680 --> 00:19:40,960 Speaker 2: a lot of women, the idea of stepping away might 427 00:19:41,000 --> 00:19:43,520 Speaker 2: be a little bit daunting or scary. And now you're 428 00:19:43,560 --> 00:19:46,679 Speaker 2: telling me you've got what two under three? That's terrifying, 429 00:19:46,920 --> 00:19:48,960 Speaker 2: especially to someone who doesn't have any kids yet. But 430 00:19:49,160 --> 00:19:51,320 Speaker 2: how are you managing that and your career and what 431 00:19:51,480 --> 00:19:52,760 Speaker 2: that looks like going forward. 432 00:19:52,960 --> 00:19:55,719 Speaker 3: That's a really interesting question because it wasn't a career 433 00:19:56,600 --> 00:20:01,680 Speaker 3: decision per se. I did a test to see, how, 434 00:20:02,040 --> 00:20:04,320 Speaker 3: you know, how many eggs I have left or how 435 00:20:04,400 --> 00:20:06,639 Speaker 3: long I could have left to potentially have kids, and 436 00:20:06,680 --> 00:20:09,840 Speaker 3: the results came back terribly and it was like, you 437 00:20:10,000 --> 00:20:11,960 Speaker 3: either need to start doing this or risk not being 438 00:20:12,000 --> 00:20:14,320 Speaker 3: able to do it at all. And my husband and 439 00:20:14,359 --> 00:20:16,320 Speaker 3: I just went all right, well we'll just give it 440 00:20:16,359 --> 00:20:18,520 Speaker 3: a go. And we were really lucky and had my 441 00:20:18,640 --> 00:20:21,520 Speaker 3: daughter quite quickly, and then we thought, well we may 442 00:20:21,560 --> 00:20:24,200 Speaker 3: as well just keep it rolling and had the second one, 443 00:20:24,440 --> 00:20:27,720 Speaker 3: and we were so lucky that we had the ability 444 00:20:27,800 --> 00:20:31,320 Speaker 3: to make those decisions and had the information in order 445 00:20:31,359 --> 00:20:34,040 Speaker 3: to do that. So I'm a real advocate for getting tested, 446 00:20:34,520 --> 00:20:36,159 Speaker 3: but it's sort of I was at a point in 447 00:20:36,240 --> 00:20:40,600 Speaker 3: my career where I had enough technical background that I 448 00:20:40,680 --> 00:20:43,120 Speaker 3: knew that if I stepped away, I'd feel comfortable coming 449 00:20:43,240 --> 00:20:46,240 Speaker 3: back and not have lost too much in terms of 450 00:20:46,400 --> 00:20:50,720 Speaker 3: credibility or in terms of career progression, which is really real. 451 00:20:51,359 --> 00:20:53,480 Speaker 3: The other thing that made it a lot easier was 452 00:20:53,560 --> 00:20:57,320 Speaker 3: that my work offers paternity leave for both men and women. 453 00:20:57,400 --> 00:21:00,320 Speaker 3: It's eighteen weeks full time, which means we're get more 454 00:21:00,359 --> 00:21:02,600 Speaker 3: and more men who were taking Yeah, it's amazing. We're 455 00:21:02,600 --> 00:21:05,680 Speaker 3: getting more and more men taking eighteen weeks full time 456 00:21:05,800 --> 00:21:08,240 Speaker 3: away from work or thirty six week part time away 457 00:21:08,280 --> 00:21:11,400 Speaker 3: from work, and so you're having more men stepping away 458 00:21:11,440 --> 00:21:14,960 Speaker 3: from the job for long periods of time, which sounds 459 00:21:15,000 --> 00:21:17,159 Speaker 3: like it shouldn't be benefiting women, but that absolutely is 460 00:21:17,240 --> 00:21:21,040 Speaker 3: because they're getting that same separation and they're not just 461 00:21:21,480 --> 00:21:23,760 Speaker 3: you know, pushing through for that next promotion, next promotion. 462 00:21:24,040 --> 00:21:26,840 Speaker 3: That was a huge benefit I'm starting to see now 463 00:21:26,880 --> 00:21:27,240 Speaker 3: as well. 464 00:21:27,640 --> 00:21:31,439 Speaker 2: Ah, I love it. That's actually epic. You mentioned something 465 00:21:31,680 --> 00:21:34,960 Speaker 2: that I haven't done. And I'm thirty one. You said 466 00:21:34,960 --> 00:21:37,000 Speaker 2: that you went and got your eggs tested and your 467 00:21:37,040 --> 00:21:40,959 Speaker 2: fertility tested. What drew you to say, all right, well, 468 00:21:41,000 --> 00:21:43,119 Speaker 2: I want to get this done because up until I 469 00:21:43,200 --> 00:21:45,880 Speaker 2: guess you know, this point in my life, I haven't 470 00:21:45,920 --> 00:21:47,760 Speaker 2: really thought about it. I mean, I got engaged and 471 00:21:47,840 --> 00:21:49,879 Speaker 2: that's when I thought, oh my gosh, like life's getting 472 00:21:49,880 --> 00:21:53,680 Speaker 2: pretty real. Like you know it always talked hypothetically about 473 00:21:53,720 --> 00:21:56,120 Speaker 2: oh my gosh, when we get married, we'll then have babies. 474 00:21:56,200 --> 00:21:59,119 Speaker 2: Like it wasn't a prerequisite. It was more that's just 475 00:21:59,200 --> 00:22:01,359 Speaker 2: how I thought my life was going to pan out. 476 00:22:02,080 --> 00:22:04,639 Speaker 2: What drew you to have your fertility tested because so 477 00:22:04,800 --> 00:22:06,000 Speaker 2: many people don't. 478 00:22:06,920 --> 00:22:09,520 Speaker 3: I think probably two things. One, I'm such a scientist 479 00:22:09,600 --> 00:22:12,479 Speaker 3: in that I just love data. I just want all 480 00:22:12,520 --> 00:22:15,040 Speaker 3: the information to make the best decision I could possibly make. 481 00:22:15,520 --> 00:22:18,000 Speaker 3: And to the women in my family are not good 482 00:22:18,040 --> 00:22:20,399 Speaker 3: at having kids in their thirties, And that was a 483 00:22:20,520 --> 00:22:23,680 Speaker 3: real eye opener for me to say, Okay, if this 484 00:22:23,840 --> 00:22:26,359 Speaker 3: is something I want to do, let's just get as 485 00:22:26,440 --> 00:22:30,119 Speaker 3: much information as we can and then we can, you know, 486 00:22:30,320 --> 00:22:32,520 Speaker 3: be better prepared for whatever way it's going to go. 487 00:22:33,000 --> 00:22:35,440 Speaker 2: Yeah, I was a bit similar. You know what, I 488 00:22:35,520 --> 00:22:37,760 Speaker 2: didn't even know that you could get your eggs tested. 489 00:22:38,040 --> 00:22:40,680 Speaker 2: I'm assuming I would have had I known that that 490 00:22:40,880 --> 00:22:43,240 Speaker 2: was an option. I did do genetic testing. I got 491 00:22:43,320 --> 00:22:45,920 Speaker 2: my at their time fiance to also do it with 492 00:22:46,040 --> 00:22:48,960 Speaker 2: me so that we could plan that way. I didn't 493 00:22:48,960 --> 00:22:50,920 Speaker 2: know how easy it was going to be. I worked 494 00:22:50,920 --> 00:22:52,920 Speaker 2: with a company called Eugene Labs, and like, that's not 495 00:22:53,000 --> 00:22:55,720 Speaker 2: a sponsored mention, that's just the company I worked with. 496 00:22:55,920 --> 00:22:57,960 Speaker 2: And I think it cost about eight hundred dollars to 497 00:22:58,000 --> 00:23:00,440 Speaker 2: get done. And they sent us a pack and we 498 00:23:00,520 --> 00:23:03,280 Speaker 2: both just put saliva in a jar and then sent 499 00:23:03,400 --> 00:23:06,680 Speaker 2: it back and that was honestly so simple. And then 500 00:23:06,720 --> 00:23:09,320 Speaker 2: we had like a debrief with a doctor and that 501 00:23:09,560 --> 00:23:12,439 Speaker 2: was done via zoom. So everything was super super easy. 502 00:23:12,480 --> 00:23:14,120 Speaker 2: But that's about eight hundred dollars. 503 00:23:13,960 --> 00:23:14,520 Speaker 3: To have done. 504 00:23:15,160 --> 00:23:18,119 Speaker 2: How much did it cost to get your eggs tested? 505 00:23:18,200 --> 00:23:20,320 Speaker 2: And I guess all that fertility testing. 506 00:23:20,240 --> 00:23:23,119 Speaker 3: Initially it's just a blood test actually really Yeah, you 507 00:23:23,240 --> 00:23:24,720 Speaker 3: just go to the GP and they do it. It's 508 00:23:24,760 --> 00:23:28,080 Speaker 3: like a proxy to sort of estimate how many eggs 509 00:23:28,119 --> 00:23:30,800 Speaker 3: you have left, and it gives you like an age range, 510 00:23:30,880 --> 00:23:34,760 Speaker 3: like you have the blood test results of someone in 511 00:23:35,119 --> 00:23:37,600 Speaker 3: their forties or someone in their twenties or someone in 512 00:23:37,720 --> 00:23:40,680 Speaker 3: you know, between thirty five and forty eight or whatever. 513 00:23:40,680 --> 00:23:42,680 Speaker 3: I can't remember what the it was, but mine was 514 00:23:42,880 --> 00:23:46,520 Speaker 3: really bad, like forty five plus not good. And then 515 00:23:46,600 --> 00:23:49,119 Speaker 3: you can take the next step of actually getting your 516 00:23:49,160 --> 00:23:52,679 Speaker 3: egg your follicles counted to see how many you actually 517 00:23:52,760 --> 00:23:55,680 Speaker 3: have left, or you can start going down like you 518 00:23:55,720 --> 00:23:58,119 Speaker 3: can go see a fertility specialist. But I think for us, 519 00:23:58,240 --> 00:24:00,720 Speaker 3: because it had come back and said that this is 520 00:24:00,840 --> 00:24:04,280 Speaker 3: not you know, it's not looking good. It doesn't actually 521 00:24:04,359 --> 00:24:06,399 Speaker 3: impact the quality of your eggs. You just have to 522 00:24:06,440 --> 00:24:07,359 Speaker 3: start trying sooner. 523 00:24:07,480 --> 00:24:09,720 Speaker 2: And we went, well, yeah, because you've got less eggs. 524 00:24:10,040 --> 00:24:12,800 Speaker 3: Yeah, even if we did more tests, it probably wouldn't 525 00:24:12,840 --> 00:24:15,159 Speaker 3: change the decision to just start trying. So let's just 526 00:24:15,280 --> 00:24:15,879 Speaker 3: start trying. 527 00:24:16,240 --> 00:24:18,480 Speaker 2: Wow, do you know what? That's blown my mind. I 528 00:24:18,560 --> 00:24:21,240 Speaker 2: had absolutely no idea it was just a blood test 529 00:24:21,520 --> 00:24:24,000 Speaker 2: and that it could be so simple. And I'm assuming 530 00:24:24,040 --> 00:24:25,760 Speaker 2: I'm not the only one. So I'm glad that we've 531 00:24:25,800 --> 00:24:27,880 Speaker 2: captured this on the pod because I think that there's 532 00:24:27,920 --> 00:24:30,600 Speaker 2: going to be a few women maybe driving to work 533 00:24:30,680 --> 00:24:32,920 Speaker 2: in their car going what the hell, like we should 534 00:24:32,960 --> 00:24:34,360 Speaker 2: go and do this asap. 535 00:24:34,920 --> 00:24:36,760 Speaker 3: This chat took a real right hand hand. 536 00:24:37,160 --> 00:24:40,080 Speaker 2: Yeah, yeah, it literally did. I'm so sorry that I've 537 00:24:40,080 --> 00:24:42,399 Speaker 2: gone so off track. Let's get back on track, but 538 00:24:42,520 --> 00:24:45,639 Speaker 2: that has been so helpful. To be honest, I've been 539 00:24:45,680 --> 00:24:47,760 Speaker 2: thinking a lot about the cost of fertility, so there's 540 00:24:47,760 --> 00:24:50,040 Speaker 2: probably a lot of episodes coming up on that and 541 00:24:50,119 --> 00:24:52,480 Speaker 2: what it costs and how much costs to actually freeze 542 00:24:52,480 --> 00:24:54,320 Speaker 2: your eggs and do all these things, because I feel 543 00:24:54,320 --> 00:24:57,040 Speaker 2: like it can be such an overwhelming space to navigate, 544 00:24:57,480 --> 00:24:59,919 Speaker 2: especially as a young woman who you know, you might 545 00:25:00,040 --> 00:25:01,840 Speaker 2: might not even be ready to have babies, who might 546 00:25:01,880 --> 00:25:03,520 Speaker 2: not even have a partner, so you're just like, oh, 547 00:25:03,680 --> 00:25:06,400 Speaker 2: I can't even consider this. So I kind of want 548 00:25:06,400 --> 00:25:08,800 Speaker 2: to break that down. But let's get back onto the 549 00:25:08,840 --> 00:25:11,520 Speaker 2: money track. Yeah, I really want to know. You're obviously 550 00:25:12,119 --> 00:25:15,600 Speaker 2: making bank, but what is your big money goal? What 551 00:25:15,720 --> 00:25:17,400 Speaker 2: are we currently working towards. 552 00:25:17,760 --> 00:25:20,879 Speaker 3: So we've got a few and I say wee because 553 00:25:21,000 --> 00:25:23,119 Speaker 3: everything with my husband and I is very joint, so 554 00:25:23,200 --> 00:25:24,960 Speaker 3: it's sort of like I don't have a specific one 555 00:25:25,000 --> 00:25:27,920 Speaker 3: separate to him, but we really want to pay off 556 00:25:28,000 --> 00:25:30,720 Speaker 3: our house by the time I'm forty, And that sounds 557 00:25:30,760 --> 00:25:33,200 Speaker 3: like a really weird number to go for, but I 558 00:25:33,240 --> 00:25:35,120 Speaker 3: felt like it was a stretch target that we could 559 00:25:35,760 --> 00:25:39,399 Speaker 3: maybe hit. So having a goal, really specific goal like that, 560 00:25:39,720 --> 00:25:42,800 Speaker 3: I quite liked. So we're heading for that. And then 561 00:25:43,119 --> 00:25:46,119 Speaker 3: we want to buy like a piece of land that 562 00:25:46,320 --> 00:25:50,480 Speaker 3: has enough space for some chickens and an orchard and 563 00:25:50,680 --> 00:25:54,280 Speaker 3: just that sort of rural lifestyle to be able to 564 00:25:54,440 --> 00:25:57,920 Speaker 3: relax in as we sort of head into the peak 565 00:25:58,000 --> 00:26:00,359 Speaker 3: of our careers and then sort of wind down and 566 00:26:00,480 --> 00:26:01,720 Speaker 3: hopefully retire a bit early. 567 00:26:02,240 --> 00:26:05,680 Speaker 2: I adore that. I'm so excited about that. Tell me 568 00:26:05,800 --> 00:26:08,040 Speaker 2: a little bit more about this goal of paying off 569 00:26:08,080 --> 00:26:11,320 Speaker 2: your house by forty How much was your house, how 570 00:26:11,400 --> 00:26:13,840 Speaker 2: much has left on the mortgage, and how are you tracking. 571 00:26:14,000 --> 00:26:17,480 Speaker 3: So we bought the house for seven hundred and fifty thousand, 572 00:26:18,320 --> 00:26:21,600 Speaker 3: and it was at auction, and when they said sold, 573 00:26:21,680 --> 00:26:26,240 Speaker 3: I just burst into tears so heavy, and then I 574 00:26:26,280 --> 00:26:27,920 Speaker 3: didn't know, you, this is weird to do this. But 575 00:26:28,119 --> 00:26:29,720 Speaker 3: when we went in to go sign all the papers, 576 00:26:29,800 --> 00:26:31,920 Speaker 3: I gave her, the current owner, a massive hug. 577 00:26:32,280 --> 00:26:34,440 Speaker 2: I think she was I would have done the same pin. 578 00:26:36,040 --> 00:26:37,360 Speaker 3: She was very confused. 579 00:26:38,000 --> 00:26:40,639 Speaker 2: I've never won an auction, I've only lost them, so 580 00:26:40,920 --> 00:26:43,600 Speaker 2: I've never had that experience, but I have every I 581 00:26:43,680 --> 00:26:46,280 Speaker 2: guess belief that had I won any of the auctions 582 00:26:46,320 --> 00:26:48,680 Speaker 2: that I've bid, I would have hugged everybody in the 583 00:26:48,840 --> 00:26:49,520 Speaker 2: near vicinity. 584 00:26:49,720 --> 00:26:51,720 Speaker 3: It was, Yeah, it was. It was really exciting. We 585 00:26:51,800 --> 00:26:54,120 Speaker 3: actually got it for nobody else bid at the auction, 586 00:26:54,359 --> 00:26:56,639 Speaker 3: which we thought was mad, so we did get it 587 00:26:56,720 --> 00:26:59,840 Speaker 3: under the reserve price. Money win, yes, very big, huge money. 588 00:27:00,480 --> 00:27:02,840 Speaker 3: But we actually we now only have about four hundred 589 00:27:02,880 --> 00:27:07,360 Speaker 3: and sixty thousand dollars left on the mortgage. Yeah, we've 590 00:27:07,400 --> 00:27:10,240 Speaker 3: just been pouring money into it basically love. 591 00:27:10,680 --> 00:27:13,679 Speaker 2: That's so exciting, So by forty is really achievable. 592 00:27:14,000 --> 00:27:17,159 Speaker 3: Yeah, if we keep on the current trajectory, I think 593 00:27:17,200 --> 00:27:18,640 Speaker 3: we're we're looking good. 594 00:27:18,800 --> 00:27:21,399 Speaker 2: Very very sexy. Sorry to be so pervy, but this, 595 00:27:21,560 --> 00:27:23,600 Speaker 2: after all, is she's on the money, and it's quite 596 00:27:23,640 --> 00:27:25,560 Speaker 2: literally my job. So let's go to a really quick 597 00:27:25,600 --> 00:27:28,440 Speaker 2: break because I actually have more pervy money questions right 598 00:27:28,520 --> 00:27:35,840 Speaker 2: after this, all right, money diarist, we are back, and 599 00:27:36,240 --> 00:27:39,720 Speaker 2: I'm genuinely so invested in this conversation with you. I 600 00:27:39,800 --> 00:27:42,879 Speaker 2: feel like you have so much knowledge to share with us, 601 00:27:43,040 --> 00:27:46,240 Speaker 2: Like there's just so many interesting bits and pieces about 602 00:27:46,320 --> 00:27:48,560 Speaker 2: either your money story or about what you've learned and 603 00:27:48,600 --> 00:27:50,359 Speaker 2: about what you're sharing with us that I think a 604 00:27:50,400 --> 00:27:51,680 Speaker 2: lot of people are going to get a lot of 605 00:27:51,760 --> 00:27:53,600 Speaker 2: value out of this. But I want to know. The 606 00:27:53,640 --> 00:27:55,840 Speaker 2: next question I've got is do you currently invest? 607 00:27:55,920 --> 00:27:59,000 Speaker 3: If so, what in we do invest? And I should 608 00:27:59,080 --> 00:28:02,600 Speaker 3: preface this by saying, my husband also makes a good wage, 609 00:28:02,680 --> 00:28:05,719 Speaker 3: so he's in management now and is earning more than 610 00:28:05,760 --> 00:28:08,760 Speaker 3: I am. So like it's we're in such a good 611 00:28:08,800 --> 00:28:11,480 Speaker 3: position that we do have enough money to invest in 612 00:28:11,560 --> 00:28:15,160 Speaker 3: different places. We have some shares and ETFs at about 613 00:28:15,160 --> 00:28:18,520 Speaker 3: one hundred thousand dollars at the moment. There's some index ETF, 614 00:28:18,680 --> 00:28:21,480 Speaker 3: some emerging industry and tech stock, and then our company 615 00:28:21,560 --> 00:28:24,359 Speaker 3: shares that we get issued every year. And then we 616 00:28:24,560 --> 00:28:27,159 Speaker 3: have our super and my super sitting at about one 617 00:28:27,240 --> 00:28:30,920 Speaker 3: hundred and fifty thousand at the moment. And also my 618 00:28:31,040 --> 00:28:33,920 Speaker 3: husband got crazy and decided to invest in some crypto, 619 00:28:35,040 --> 00:28:38,040 Speaker 3: which he's holding, he tells me, So there's about twenty 620 00:28:38,120 --> 00:28:40,760 Speaker 3: thousand dollars sitting in crypto at the moment. And then 621 00:28:40,800 --> 00:28:43,280 Speaker 3: we saw a financial planner a few years ago, and 622 00:28:43,680 --> 00:28:45,160 Speaker 3: just to make sure that we were on the right 623 00:28:45,240 --> 00:28:47,440 Speaker 3: track of what we were doing with our income, and 624 00:28:48,080 --> 00:28:52,080 Speaker 3: we started an education bond. Ah, yes, that they recommended 625 00:28:52,200 --> 00:28:55,600 Speaker 3: that has really good tax implications if you're spending money 626 00:28:55,720 --> 00:28:59,400 Speaker 3: on education. So, because our kids are really young still, 627 00:28:59,400 --> 00:29:01,280 Speaker 3: we thought, well, we'll start doing this now so by 628 00:29:01,320 --> 00:29:04,880 Speaker 3: the time they do get to high school, university, whatever, 629 00:29:05,240 --> 00:29:08,480 Speaker 3: there's money there that we can then leverage the tax 630 00:29:08,560 --> 00:29:11,600 Speaker 3: benefits from. So there's about sixty thousand dollars sitting in 631 00:29:11,640 --> 00:29:12,920 Speaker 3: the education bond at the moment. 632 00:29:13,040 --> 00:29:15,760 Speaker 2: I bloody love an education bond, Like, I feel like 633 00:29:15,880 --> 00:29:19,320 Speaker 2: that's such an interesting addition because education bonds are not 634 00:29:19,600 --> 00:29:21,720 Speaker 2: something that a lot of people know about. I've mentioned 635 00:29:21,760 --> 00:29:24,160 Speaker 2: them on the show before, but I think a lot 636 00:29:24,200 --> 00:29:27,040 Speaker 2: of people don't realize I guess the power in them. 637 00:29:27,240 --> 00:29:29,000 Speaker 2: Do you think that that was something that you would 638 00:29:29,040 --> 00:29:30,800 Speaker 2: have gotten into without an advisor? 639 00:29:31,440 --> 00:29:33,880 Speaker 3: Not at all. It made getting the financial advisor really 640 00:29:33,960 --> 00:29:35,760 Speaker 3: worth it because you just you don't know what you 641 00:29:35,840 --> 00:29:37,920 Speaker 3: don't know, Like, we're not money you know, we're not 642 00:29:38,000 --> 00:29:41,160 Speaker 3: financial specialists. And to have someone be like, actually, this 643 00:29:41,320 --> 00:29:43,720 Speaker 3: is a really good way to make the most and 644 00:29:43,800 --> 00:29:45,959 Speaker 3: let your money work for you. We thought that. I mean, 645 00:29:46,000 --> 00:29:47,080 Speaker 3: it just made it worth it really. 646 00:29:47,440 --> 00:29:49,920 Speaker 2: Yeah, airpic Oh my gosh, all right. So the next 647 00:29:50,080 --> 00:29:53,040 Speaker 2: question I have my friend is we already know about 648 00:29:53,080 --> 00:29:56,560 Speaker 2: your four hundred and sixty thousand dollars on your mortgage left, 649 00:29:56,680 --> 00:29:59,240 Speaker 2: but do you have any other debts? If so, what 650 00:29:59,400 --> 00:29:59,719 Speaker 2: are they? 651 00:30:00,200 --> 00:30:02,600 Speaker 3: No, my hex is all paid off. I was actually 652 00:30:02,640 --> 00:30:05,400 Speaker 3: really lucky when I went through Science was quite cheap 653 00:30:05,800 --> 00:30:07,600 Speaker 3: because they were trying to get a lot more people 654 00:30:07,680 --> 00:30:11,000 Speaker 3: through science degrees. So definitely, and I didn't know this 655 00:30:11,120 --> 00:30:13,560 Speaker 3: until I started paying it off, that some of my 656 00:30:13,640 --> 00:30:16,840 Speaker 3: classes were half price, and so I can end up 657 00:30:16,920 --> 00:30:18,880 Speaker 3: going and having a look. Yeah, so it was really 658 00:30:18,920 --> 00:30:21,800 Speaker 3: I just was like, oh, great, so that was a 659 00:30:21,880 --> 00:30:24,200 Speaker 3: money win. But no, we don't have any other debt. 660 00:30:24,600 --> 00:30:26,840 Speaker 2: Love all I want to know. I feel like you've 661 00:30:26,840 --> 00:30:28,800 Speaker 2: probably got a number of good ones, But what do 662 00:30:28,880 --> 00:30:30,760 Speaker 2: you think is your best money habit? 663 00:30:30,920 --> 00:30:33,200 Speaker 3: I think I've got two really good ones. The first 664 00:30:33,240 --> 00:30:36,040 Speaker 3: one is that the money transparency between my husband and 665 00:30:36,120 --> 00:30:39,000 Speaker 3: I just makes everything so much easier. We share a 666 00:30:39,160 --> 00:30:44,240 Speaker 3: Google Sheets account like spreadsheets, where we both update. It's 667 00:30:44,240 --> 00:30:46,840 Speaker 3: all live, and we can see exactly what my money's 668 00:30:46,880 --> 00:30:50,240 Speaker 3: doing and exactly what we've budgeted and exactly where things 669 00:30:50,280 --> 00:30:52,520 Speaker 3: are being allocated every month, and we look at it 670 00:30:52,640 --> 00:30:56,680 Speaker 3: quite regularly if something changes and the conversation is very open, 671 00:30:56,840 --> 00:30:59,680 Speaker 3: and that just makes everything so much easier. And then 672 00:30:59,720 --> 00:31:01,680 Speaker 3: the other, the one is that we hardly ever go 673 00:31:01,800 --> 00:31:04,520 Speaker 3: out to dinner or breakfast or anything. Like we're real 674 00:31:04,640 --> 00:31:08,760 Speaker 3: homebodies and we just we're quite I love shopping at Audi, 675 00:31:08,960 --> 00:31:11,360 Speaker 3: and I go and we do like our weekly shop. 676 00:31:11,560 --> 00:31:13,400 Speaker 3: And for us, it's not, you know, we spend like 677 00:31:13,480 --> 00:31:15,800 Speaker 3: less than two hundred dollars a week on groceries, but 678 00:31:15,920 --> 00:31:17,480 Speaker 3: if we do go out, we go out hard. Like 679 00:31:17,600 --> 00:31:19,880 Speaker 3: we'll go and do like a ten course degas station 680 00:31:20,520 --> 00:31:21,600 Speaker 3: and just make it really worth it. 681 00:31:22,320 --> 00:31:25,360 Speaker 2: Yeah, we're a bit similar. But my friend, how are 682 00:31:25,360 --> 00:31:28,000 Speaker 2: you doing all of your groceries for under two hundred 683 00:31:28,040 --> 00:31:30,160 Speaker 2: bucks a week? Like what the heck in is that 684 00:31:30,240 --> 00:31:32,560 Speaker 2: because you shop at Audi? Or is that because you're 685 00:31:32,880 --> 00:31:35,840 Speaker 2: a super wiz meal planner or like what's the secret there? 686 00:31:35,880 --> 00:31:36,960 Speaker 2: Because that's pretty good. 687 00:31:37,400 --> 00:31:40,880 Speaker 3: Yeah, I think meal planning definitely helps. And we do 688 00:31:41,160 --> 00:31:44,200 Speaker 3: shop at Audi, but we'll go and we're very like 689 00:31:45,120 --> 00:31:48,120 Speaker 3: simple meals. It's not everything's not too complicated, you don't 690 00:31:48,120 --> 00:31:52,080 Speaker 3: have too many ingredients, You pay enough for good quality 691 00:31:52,160 --> 00:31:53,880 Speaker 3: meat and then you just get fruit and veg and 692 00:31:54,000 --> 00:31:57,160 Speaker 3: then whatever else you need, and like, honestly, my kids 693 00:31:57,200 --> 00:31:58,640 Speaker 3: don't eat very much. I've got a two year old 694 00:31:58,680 --> 00:32:01,560 Speaker 3: and someone who just drinks expres milk, so they're cheap 695 00:32:01,560 --> 00:32:03,600 Speaker 3: at the moment. So really it's just a family of 696 00:32:03,680 --> 00:32:04,080 Speaker 3: two and. 697 00:32:04,600 --> 00:32:07,520 Speaker 2: Like a third and like a half third a third 698 00:32:07,600 --> 00:32:10,520 Speaker 2: that probably just throws food and isn't that grateful for 699 00:32:10,600 --> 00:32:14,640 Speaker 2: it at this point in time. That's right, All right, 700 00:32:14,760 --> 00:32:17,920 Speaker 2: let's flip the narrative. What is your worst money habit? 701 00:32:18,920 --> 00:32:22,520 Speaker 3: This is probably going back to me still feeling like 702 00:32:23,040 --> 00:32:25,320 Speaker 3: money is a bit fluid and if I'm in the 703 00:32:25,440 --> 00:32:28,080 Speaker 3: mood to spend, it will just pour out of me, 704 00:32:28,360 --> 00:32:31,480 Speaker 3: like I be like, we need new bed linen. I 705 00:32:31,560 --> 00:32:33,880 Speaker 3: won't even look for a deal. I'll just go to 706 00:32:34,000 --> 00:32:37,360 Speaker 3: Sheridan and spend eight hundred dollars and I won't even 707 00:32:37,520 --> 00:32:40,440 Speaker 3: think about it. And it's terrible, but I'm I feel 708 00:32:40,480 --> 00:32:42,760 Speaker 3: so lucky that I can do that and not like 709 00:32:42,960 --> 00:32:44,800 Speaker 3: and obviously I don't do that very often, but when 710 00:32:44,800 --> 00:32:46,640 Speaker 3: I do, I'm just like, oh, well, here it is, 711 00:32:46,760 --> 00:32:49,040 Speaker 3: here's all my money. Oh oh. 712 00:32:49,080 --> 00:32:51,440 Speaker 2: I feel like that's not the worst thing ever, especially 713 00:32:51,520 --> 00:32:53,080 Speaker 2: if it's in line with your budget. And you have 714 00:32:53,160 --> 00:32:55,760 Speaker 2: all these other savings and investing goals and you're kind 715 00:32:55,760 --> 00:32:58,600 Speaker 2: of smashing it everywhere else. I mean, the best thing 716 00:32:58,640 --> 00:33:01,520 Speaker 2: in this situation is you're super aware of it. So 717 00:33:01,880 --> 00:33:04,440 Speaker 2: I'm not too worried about that, if I'm being honest. 718 00:33:04,680 --> 00:33:06,520 Speaker 3: Yeah, I think my husband probably worries about it a 719 00:33:06,560 --> 00:33:07,240 Speaker 3: bit more than I do. 720 00:33:08,760 --> 00:33:11,520 Speaker 2: That's always the way. That is absolutely always the way. 721 00:33:11,800 --> 00:33:14,280 Speaker 2: All Right, now that we've talked, I feel like I 722 00:33:14,520 --> 00:33:16,680 Speaker 2: know the answer to this already, but I'm going to 723 00:33:16,760 --> 00:33:19,760 Speaker 2: ask anyway, now that we've talked, do you still think 724 00:33:19,840 --> 00:33:21,760 Speaker 2: that you would give yourself the grade of A? 725 00:33:22,520 --> 00:33:25,479 Speaker 3: Yeah? I think so. We're in such a fortunate position, 726 00:33:26,360 --> 00:33:29,160 Speaker 3: and I think we've really taken the steps to make 727 00:33:29,200 --> 00:33:30,960 Speaker 3: sure the money that we have and the money that 728 00:33:31,040 --> 00:33:34,320 Speaker 3: we're earning goes into really good places. So I'm really 729 00:33:34,360 --> 00:33:36,680 Speaker 3: comfortable that we're doing a good job at the moment. 730 00:33:37,400 --> 00:33:38,280 Speaker 3: So i'd give myself an A. 731 00:33:38,800 --> 00:33:40,480 Speaker 2: I love that. What do you think it would take 732 00:33:40,560 --> 00:33:41,840 Speaker 2: to get you to an A plus? 733 00:33:42,960 --> 00:33:45,760 Speaker 3: Probably hitting some of the money goals that we have, 734 00:33:46,440 --> 00:33:50,320 Speaker 3: paying off our house and getting that property and seeing 735 00:33:50,880 --> 00:33:54,680 Speaker 3: us retire a bit early. But they're really long term goals. 736 00:33:54,720 --> 00:33:56,480 Speaker 3: But I think if you don't have something to strive for, 737 00:33:56,640 --> 00:33:59,720 Speaker 3: you stop trying. I think that's probably what's stopping me 738 00:33:59,760 --> 00:34:03,000 Speaker 3: from saying, well, we're just amazing, because for us there's 739 00:34:03,000 --> 00:34:04,160 Speaker 3: still stuff we want to achieve. 740 00:34:04,520 --> 00:34:07,520 Speaker 2: Yeah, absolutely, absolutely, I love that. Oh my gosh, I 741 00:34:07,600 --> 00:34:11,600 Speaker 2: have adored this conversation. Money Direstic has been an absolute 742 00:34:11,680 --> 00:34:14,239 Speaker 2: pleasure and a privilege having you on. I will let 743 00:34:14,280 --> 00:34:16,680 Speaker 2: you get back to your six week old. Thank you 744 00:34:16,800 --> 00:34:17,800 Speaker 2: so much for your time. 745 00:34:18,200 --> 00:34:20,080 Speaker 3: No, this has been great, Thanks so much for having me. 746 00:34:26,680 --> 00:34:29,240 Speaker 2: The advice shared on She's on the Money is general 747 00:34:29,280 --> 00:34:33,120 Speaker 2: in nature and does not consider your individual circumstances. She's 748 00:34:33,200 --> 00:34:36,600 Speaker 2: on the Money exists purely for educational purposes and should 749 00:34:36,680 --> 00:34:39,840 Speaker 2: not be relied upon to make an investment or financial decision. 750 00:34:40,239 --> 00:34:42,680 Speaker 2: If you do choose to buy a financial product, read 751 00:34:42,719 --> 00:34:46,800 Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards 752 00:34:46,880 --> 00:34:50,120 Speaker 2: your needs. Victoria Divine and She's on the Money are 753 00:34:50,200 --> 00:34:55,160 Speaker 2: authorized representatives of Money sheper Pty Ltd ABN three two 754 00:34:55,280 --> 00:34:58,200 Speaker 2: one is six four nine two seven seven zero eight 755 00:34:58,560 --> 00:35:01,080 Speaker 2: AFSL four five one two eight nine