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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money. She's on the Money.

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Speaker 2: Hello and welcome to She's the Money the podcast and

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Speaker 2: millennials who want financial freedom. My friends, today it is Friday,

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Speaker 2: which guess what that means, in no surprise to anybody,

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Speaker 2: is the time to get my little team together and

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Speaker 2: celebrate you ow incredible. She's on the Money community today.

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Speaker 2: Miss Jess Ricci, she's back. She's sharing her money wins

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Speaker 2: and confessions from the community. Miss beck Sayed has a

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Speaker 2: number of very exciting broke tips for us. We're going

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Speaker 2: to be helping to answer a juicy money dilemma which

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Speaker 2: this week is all about getting out of a rut

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Speaker 2: and still prioritizing future you, and we're gonna unpack something

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Speaker 2: that you slid into our DMS, about which this week

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Speaker 2: we're adding spending money on yourself from a joint account

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Speaker 2: that you have in your partner. Before we get there, though,

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Speaker 2: my friends, how are you good?

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Speaker 4: It's sunny today. Nice difference for those of us in

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Speaker 4: Melbourne who've been dealing with the rain and the I

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Speaker 4: was gonna say the hail and the snow, but we

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Speaker 4: haven't had hail or snow, so just the rain. There

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Speaker 4: were you not cly not your Yeah. I love that

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Speaker 4: the sun is out, feeling good, feeling happy New Year.

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Speaker 4: You me still basking in the glow of that, currently

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Speaker 4: trying to sow my Taylor Swift errors outfit for anyone

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Speaker 4: who follows me on social media and is keeping up.

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Speaker 4: I don't know how to sew.

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Speaker 5: I didn't pick you as a habitashist, a haberdashist.

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Speaker 4: I'm not one.

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Speaker 5: I've literally never even heard that term. Your habitashists radar

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Speaker 5: is bang on. That's good to know. That's good to know.

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Speaker 5: I'll walk out on the streets of confidence. That's good

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Speaker 5: to know that sounds lovely and just as your bad

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Speaker 5: luck street come to an end. I don't I don't

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Speaker 5: want to trigger you. Don't you get.

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Speaker 2: Taylor Swift like Diamonte cowboy boots in.

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Speaker 4: The very exciting, very cute. No, there's currently a hole

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Speaker 4: in my roof. Still leaks when it rains, arguably more

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Speaker 4: so than ever before.

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Speaker 2: But we are going to get very close to this

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Speaker 2: real estate agency because it is wild what they're putting

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Speaker 2: you through there.

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Speaker 4: It's more of a company that built out like it's

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Speaker 4: a brand new house.

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Speaker 2: I'm sorry you called their emergency line and they were like, sorry,

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Speaker 2: they're busy.

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Speaker 4: Today has always been better than mine.

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Speaker 5: I don't want to rob it in, but I certainly

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Speaker 5: has speaking and I also don't want to drink that.

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Speaker 5: At the same time, my voice is back, as you

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Speaker 5: guys can tell.

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Speaker 2: Yeah, I feel like we're all back after the holiday,

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Speaker 2: and they're like, listen to us, we sound young again.

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Speaker 4: Yes, we like.

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Speaker 5: It's gonna wear for really quickly. I feel like at

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Speaker 5: the start of the year everyone's really happy, really light,

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Speaker 5: really bouncy. Maybe by July we'll be bit angry again.

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Speaker 4: Well that's a good run. If I make it to

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Speaker 4: July before I'll be thrilled.

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Speaker 5: Honestly, that's a great run.

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Speaker 4: I mean for you.

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Speaker 5: I couldn't even be several hours if it hasn't happened already.

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Speaker 5: But no, moment's been really good, just being like seeing

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Speaker 5: friends and being on the potinsular. Yeah, it's really nice.

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Speaker 5: It's lovely. Day has just said, just good fights all round,

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Speaker 5: feeling great.

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Speaker 2: I love I love this so much. I'm getting increasingly

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Speaker 2: unco comfortable. I do now look like I am smuggling

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Speaker 2: a beach ball. But that is okay, very grateful, very healthy,

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Speaker 2: very happy. Yeah, I'm excited for Taylor Swift as well.

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Speaker 2: Like Jess and I are going together with two other

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Speaker 2: girls from our team, which is obviously going to be

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Speaker 2: the best ever.

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Speaker 4: You're wearing a friendship bracelet? Is that related or unrelated?

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Speaker 2: It is related because fifty bracelet not going to this

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Speaker 2: When is this concert that's on the seventeenth of January February. Yeah,

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Speaker 2: I'm going to be thirty nine weeks pregnant. I will

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Speaker 2: regret nothing.

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Speaker 5: That is going to be very hard. But no, someone

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Speaker 5: is going and she may be a bracelet for the

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Speaker 5: well it there's a bit of vackstory. It's tweetledumb because

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Speaker 5: she's tweetled d Well, there wasn't really that much a

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Speaker 5: Vacktorid's that that's actually just the story.

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Speaker 2: And I think you're says fearless, doesn't it? I need

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Speaker 2: to make myself one so that it can like sit

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Speaker 2: on my thank you. I actually will commission that I

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Speaker 2: need to.

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Speaker 4: I've got any email just before my package is arrived

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Speaker 4: with all my beads.

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Speaker 2: Is this something that I'm going to be expected to do?

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Speaker 5: I'll do it for you? Like, do I need to

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Speaker 5: get a.

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Speaker 2: Whole heap of bracelets to trade because everybody else is

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Speaker 2: going to have bracelets to trade?

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Speaker 5: You've got enough on your plate?

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Speaker 2: Can I just buy bracelets?

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Speaker 5: Is that an option?

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Speaker 4: Don't worry about it. We'll talk later.

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Speaker 5: I got your covered, Okay, okay, okay.

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Speaker 2: I haven't even thought about my outfit because I can't

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Speaker 2: stop thinking about the idea that you know, Jess has

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Speaker 2: these beautiful outfits in mind, right, She's got all of

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Speaker 2: these beautiful options, and then she's like posting videos of

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Speaker 2: like beautiful chul and stuff, and I'm like, this is

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Speaker 2: going to look slay if you put me in sparkles

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Speaker 2: and diamonds. I'm going to look like a disco ball.

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Speaker 4: I think we go all in and you just wear

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Speaker 4: a crop top and we paint a disco ball on

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Speaker 4: your belly.

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Speaker 2: Absolutely not a great I already feel somewhat uncomfortable whenever

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Speaker 2: my belly is out. Over summer, I like wore a

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Speaker 2: bikini and it took point two seconds for me to

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Speaker 2: go find a linen shirt and be.

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Speaker 5: Like, look, I want you to wear a pencil skirt

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Speaker 5: and the belly will be the top of a microphone.

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Speaker 4: Oh my god, that's so good?

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Speaker 5: Is that?

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Speaker 1: Like?

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Speaker 5: Can you do can you do that?

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Speaker 4: Just for me?

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Speaker 3: Just for you, just for you?

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Speaker 2: All right, moving on, because I don't want any more

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Speaker 2: Habitdasherie recommendation. Let's get into what has been happening in

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Speaker 2: the community. It's just Gricci. What community money wins? All

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Speaker 2: confessions have you got to share this week?

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Speaker 4: Firstly, I've got a win from Ashley who said I

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Speaker 4: finally found a way to make iced coffee at home

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Speaker 4: that tastes better than my morning mac is iced coffee,

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Speaker 4: saving myself a cheeky seventy dollars a week by not

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Speaker 4: buying them went out and about.

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Speaker 5: Could she send the recipe.

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Speaker 4: Yeah, that's actually the question, Ashley, please share the recipe

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Speaker 4: with us. Actually I think she did because I can

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Speaker 4: see at least as the same thing. So go to

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Speaker 4: the thread great recipes there. Next, I've got a money

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Speaker 4: win from Lucy, who said money win. Good name, but

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Speaker 4: it is a good name spelled with an I, not

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Speaker 4: with a wife. Oh way cuter, wait, very cute.

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Speaker 5: I pictured l I see ye where.

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Speaker 2: It's like how when I met my husband and his

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Speaker 2: name is Stephen and he said, yeah, it's a Stephen

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Speaker 2: with a pea and I immediately thought of that Small

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Speaker 2: Mexicular Dog album. And now he's saved in my phone

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Speaker 2: as pht e ve e n and the small Mexican

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Speaker 2: Dog is his profile picture.

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Speaker 5: Very huge.

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Speaker 4: Hilariously, that's how he saved in my phone too, because

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Speaker 4: you air dropped the contact to me like everybody.

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Speaker 5: Their phoney.

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Speaker 4: But Lucy said money win. I bought a Raffle ticket

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Speaker 4: with money I earned from the collect the Container Deposit scheme.

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Speaker 4: I won said Raffle, which included a fifty dollars pharmacy voucher.

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Speaker 4: I went to the pharmacy to buy a discounted breast

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Speaker 4: pub it was the last month they had in stock,

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Speaker 4: so they discounted it a further fifty dollars.

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Speaker 2: Okay, but they're really expensive and I didn't know that.

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Speaker 4: So she only paid fifty bucks, which was covered by

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Speaker 4: her container refund, so she saved you nine dollars together.

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Speaker 5: No gosh, there you go.

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Speaker 4: Recycle your bottles, Runds.

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Speaker 5: That's incredible.

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Speaker 4: Never know when you could win a voucher next. I've

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Speaker 4: got one from Nicole who said double money win. Someone

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Speaker 4: posted in my local Facebook group looking for any one

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Speaker 4: with an overgrown yard who wouldn't mind having some sheep

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Speaker 4: over for a week to eat it down. Me she

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Speaker 4: said me, totally.

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Speaker 1: Me.

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Speaker 4: I get my lawn mode and fertilized and they didn't

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Speaker 4: have to pay to feed the sheep for ten days.

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Speaker 4: Meet Paris, Chocolate and Honey, my new lawn maintenance crew,

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Speaker 4: and of course we have a picture. Most thing I've

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Speaker 4: seen in my life that's really clever. If they happen

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Speaker 4: to want to do a front nature strip, I know

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Speaker 4: someone with one.

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Speaker 5: That's very overgrown.

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Speaker 2: I actually follow. I don't know who it is.

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Speaker 5: I will post it on my stories.

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Speaker 2: I follow a group of goats, one who do like

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Speaker 2: garden demolition, and.

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Speaker 5: I got like, that's so funny, and they like sence

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Speaker 5: the goats.

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Speaker 2: Into places that have like really like dense like shrubbery

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Speaker 2: and stuff that people are meant to pull out that

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Speaker 2: goats eat everything. So they do these time lapses of

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Speaker 2: these goats going in and doing their work and like

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Speaker 2: eating everything and then going away being like we're the goats,

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Speaker 2: we did our work.

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Speaker 4: I actually love everything about that.

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Speaker 5: I'm gonna say.

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Speaker 2: So funny.

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Speaker 4: I'm that is amazing. Next, Christine said she picked up

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Speaker 4: a gorgeous stainless steel pan from the op shop for

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Speaker 4: ten bucks when it's worth one hundred. Love a good opshop. Fine,

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Speaker 4: good time to be op shopping at a moment?

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Speaker 5: Is it well played?

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Speaker 4: Didn't even catch that everyone's getting rid of their stuff

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Speaker 4: for the new.

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Speaker 5: Year, so you shop time right now is great.

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Speaker 4: Rhiannon said, money Win. I found a broken bit of

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Speaker 4: plant on the footpath, put it in water to grow roots,

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Speaker 4: and after a few weeks I got a new plant

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Speaker 4: baby for free.

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Speaker 2: Money Win.

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Speaker 4: Beautiful photo, oh lovely of the plant baby. I want

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Speaker 4: to know, did you find it on the footpath or did.

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Speaker 2: You liberate it?

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Speaker 4: Find it on the foot path.

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Speaker 2: Like the time I stole a string of pearls from

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Speaker 2: my sister's string of pearls plants and planted that myself

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Speaker 2: and now mine looks better than hers.

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Speaker 5: Oh, that would kill you. Well, maybe she should have

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Speaker 5: looked after it in the first place.

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Speaker 4: Lastly, I have a money win from Catherine which comes

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Speaker 4: with a little bit of a PSA. She said, free money.

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Speaker 4: I signed up to Chairs's with the ten dollar SotM code,

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Speaker 4: which I've then reinvested the dividends that I earned. I

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Speaker 4: feel so rich when I look at it, despite having

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Speaker 4: no spare dollars to invest right now. Thanks SotM, You'm welcome.

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Speaker 2: So you're saying that your free money is making more

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Speaker 2: free money, and that free money will make you more money,

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Speaker 2: huge money.

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Speaker 4: We light hack and it was I said PSA because

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Speaker 4: a few people dm us to say the code wasn't working.

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Speaker 2: Cool. We've been canceled by Chasey.

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Speaker 4: Oh I reached out. Thankfully, they've given us the code

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Speaker 4: back for another year. So SotM will give you a

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Speaker 4: free ten bucks when you sign up, so we don't

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Speaker 4: get anything for that. Just to be very clear, that

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Speaker 4: is not a referral code. That's just free money for

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Speaker 4: you and dividends as well. So now Catherine's on the

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Speaker 4: app and up.

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Speaker 2: I love it. What else have you got, Jess? That's it?

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Speaker 5: That's it.

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Speaker 2: I mean, that's ending on a like free money giving

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Speaker 2: free money. That was a good place to end. People

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Speaker 2: who love free money also love broke tips. So Beck

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Speaker 2: say it, what have you for us?

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Speaker 5: Okay? So this week I have, as always, two from

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Speaker 5: the community, one for myself. So the first one comes

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Speaker 5: from Prianca. She suggested it's something I have done. Dye

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Speaker 5: your old clothes instead of buying new ones, like referb

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Speaker 5: which is a great idea because often, like for example,

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Speaker 5: I'll buy white shirts that look amazing for like one

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Speaker 5: and a half hours, and then I always yes, And

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Speaker 5: I actually recently died one of them pink and the

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Speaker 5: stains are kind of gone, like maybe they're still kind

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Speaker 5: of there, but you see.

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Speaker 2: Them with a pinkover and everyone's like, oh my gosh,

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Speaker 2: I buy a new shirt.

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Speaker 5: I'm like, yeah, thank you so much, and it didn't

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Speaker 5: barely cost me anything. But you can also tell people

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Speaker 5: that you're a habitasherist and you made it exactly exactly.

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Speaker 5: So yeah, killing like multiple birds with one stone out

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Speaker 5: in twenty twenty four. We're not killing animals anyway.

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Speaker 2: So the next one comes from me on the Vegan trip,

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Speaker 2: because I have seen her eat steak.

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Speaker 5: That's true, very early controversial waters.

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Speaker 4: Please steer away.

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Speaker 5: Let's steer away. I'm very scared right now, she's on spicy.

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Speaker 5: Next one comes from Reliar, who shared a page on

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Speaker 5: Instagram that post cheap hacks, and one in particular that

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Speaker 5: I liked is about this article that gave you suggestions

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Speaker 5: on really cheap recipes. Some of them were like eight dollars,

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Speaker 5: some of them were cheap, some of them are tiny

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Speaker 5: bit more expensive. But so this Instagram page is at

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Speaker 5: four zero one Okayay, so four hundred and one Okay,

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Speaker 5: I don't really know what that stands for.

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Speaker 2: We're not going to question it because they have cheap

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Speaker 2: recipes back.

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Speaker 5: Exactly, let's not question it. But they also have other

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Speaker 5: little cheap hacks, but just have a little peruse go

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Speaker 5: on their Instagram. Yeah, have a look. But yes, that

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Speaker 5: cheap recipe article I will be following to the tea

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Speaker 5: because that is you know, I think it's my like

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Speaker 5: cheating food. We absolutely need food to survive, and so

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Speaker 5: you know, if that's all you can afford before payday,

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Speaker 5: at least do it cheaply as possible.

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Speaker 2: But also, even if you can afford it, what a

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Speaker 2: good way to save some money. So find some cheap

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Speaker 2: eats like slash your grocery bill. Yeah, that is absolutely

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Speaker 2: what you should be doing in twenty twenty four. But importantly,

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Speaker 2: you're not going to get away with pretending that you're

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Speaker 2: a habitasherist. Yes, just because you died your shit pink

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Speaker 2: does not get you out of giving us a broke

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Speaker 2: tip from you. What is the tip that you are

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Speaker 2: bringing to.

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Speaker 5: The table this I do sometimes like to merge the two,

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Speaker 5: but I won't know.

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Speaker 2: I've noticed she's lazy. I won't be stingy even on

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Speaker 2: her tips. So my broke tip for this week.

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Speaker 5: I'm not sure if anyone remembers, but last year I

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Speaker 5: did share a tip about the Brunswick Tool Library, which

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Speaker 5: is where you like kind of borrow tools and stuff

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Speaker 5: you don't have to pay for them. They're very expensive,

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Speaker 5: turns out, so this is in the same vein. So

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Speaker 5: some libraries have these things called maker spaces, which is

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Speaker 5: where you know, if you want to get into embroidery

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Speaker 5: or sewing, or things like that, and you can you know,

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Speaker 5: borrow other things like puzzles and games and stuff. But

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Speaker 5: these places are dedicated to people who want to learn

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Speaker 5: that kind of skill may not have the resources or

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Speaker 5: the money to afford to BUYO. That's all those things themselves,

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Speaker 5: like you know, the sewing I don't know how much

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Speaker 5: a sewing machine is. I should so expensive.

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Speaker 4: I looked into it for making my outfit and I

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Speaker 4: decided I was going to hands because hundreds and hundreds

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Speaker 4: and hundreds of dollars.

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Speaker 1: Wow.

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Speaker 5: So that's why things like this are really good, and

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Speaker 5: that you know, if you are wanting to monetize that

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Speaker 5: skill eventually that could even make you money. But let's

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Speaker 5: not get to ahead of ourselves. But I think it

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Speaker 5: is a really good way to kind of like expand

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Speaker 5: your skill set and maybe learn a new skill along

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Speaker 5: the way, but also like do something you want for free,

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Speaker 5: like money, and also you can use that to tailor

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Speaker 5: your own clothes one day. Love it.

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Speaker 4: That's such a gay.

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Speaker 2: That's genius.

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Speaker 4: That's I love it.

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Speaker 5: Thank you so much.

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Speaker 1: That's me.

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Speaker 2: All right, let's go to a really quick break on

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Speaker 2: the flip side. We are talking about getting out of

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Speaker 2: a rut and still prioritizing future you and you slid

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Speaker 2: into our DMS about a topic this week that I

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Speaker 2: am genuinely so excited to break down spending money from

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Speaker 2: a shared account that you share with your partner.

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Speaker 4: I think it's going to be divisive.

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Speaker 2: I think it'll be divisive too, because it's not just

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Speaker 2: on electricity, you know, So, guys, don't go anywhere.

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Speaker 4: Welcome back, everybody. Let's take a listen to the Money

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Speaker 4: to lemmons for this week.

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Speaker 6: Hi, there, have you got a money dilemma you just

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Speaker 6: can't solve? The Sheese on the Money team is here

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Speaker 6: to help. Every week, we tackle your dilemmas, both big

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Speaker 6: and small, to answer your most burning money, career and

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Speaker 6: life questions. To get involved, simply head to our website

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Speaker 6: and leave us a short voice recording and you might

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Speaker 6: just find yourself on the show.

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Speaker 2: Now, let's take a listen to this week's money dilemma.

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Speaker 7: Hi, love Lies, I'm really hoping you can help me

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Speaker 7: make a decision. I am in a rut and I

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Speaker 7: am struggling to change that. I'm in a dead end job,

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Speaker 7: I'm goalless and I'm savings less. The only thing I'm

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Speaker 7: sure of is that I want to either move and

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Speaker 7: make a fresh start, or travel the country for a

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Speaker 7: year before settling down somewhere. My options for funding this

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Speaker 7: would be to either sell my house or borrow against

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Speaker 7: some equity. After paying out my loan, I would have

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Speaker 7: approximately three hundred thousand dollars in profit. Alternatively, if I

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Speaker 7: keep the houses in investment and rent it out, I

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Speaker 7: could use some of the one hundred and ninety thousand

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Speaker 7: dollars of equity that has built up. It would be

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Speaker 7: very very easy for me to sell up and run away,

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Speaker 7: but I'm not sure that that would be the best

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Speaker 7: for future me. What do you think would be the

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Speaker 7: best move?

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Speaker 2: I think this is a really interesting one. There's a

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Speaker 2: quote here we go loves a quote. I love a quote,

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Speaker 2: Quote scal. I've gone from being twenty twenty three stat

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Speaker 2: scout to twenty twenty four quote scale. Wait, you want

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Speaker 2: a motivational quote, I've got one for you. But there

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Speaker 2: is a quote that basically says, you can run, but

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Speaker 2: your problems are going to follow you. And I'm not

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Speaker 2: saying that you've got massive problems, but like this idea

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Speaker 2: of like, oh, I don't really know what I'm doing,

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Speaker 2: but like I should sell up and move completely, I

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Speaker 2: would argue, is not the solution that you're looking for.

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Speaker 2: It could provide some level of clarity, It could provide

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Speaker 2: a different environment for you to you know, get used to.

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Speaker 2: But I genuinely think that before you do any of that,

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Speaker 2: you should be really sitting down and thinking about or

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Speaker 2: I say, you don't have any goals, but like what

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Speaker 2: in my life do I value? What in my life

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Speaker 2: am I grateful for? What in my life do I

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Speaker 2: you know, feel like I want to change? Or like

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Speaker 2: is a little bit stagnant and actually doing some planning

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Speaker 2: to understand why you feel this way, because if you

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Speaker 2: can't articulate, like I want to run a but I

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Speaker 2: don't know why or when or where or how just

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Speaker 2: like doing that and making such a big decision. If

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Speaker 2: you're saying, look, I could have you know, three hundred

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Speaker 2: grand in profit, Well that's great, but like, are you

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Speaker 2: planning on just blowing that to have your best life ever?

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Speaker 2: Because you feel like running away like that three hundred

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Speaker 2: thousand dollars today is worth three hundred grand, but when

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Speaker 2: you come to retirement it could be worth millions. Like,

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Speaker 2: you know, if we look at your property and you're saying, well,

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Speaker 2: there's one hundred and ninety thousand dollars worth of equity,

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Speaker 2: Like that's fantastic. Are we putting future us first by

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Speaker 2: actually making the decisions that you're making. Should we be

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Speaker 2: looking at, you know, renting it out, maybe using some

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Speaker 2: of that rental income to like, you know, go on

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Speaker 2: a big Europe trip because you do want to get

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Speaker 2: away and want to experience some new things and then

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Speaker 2: coming back. I'm not saying you can't move or change,

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Speaker 2: but like, those are big decisions that are going to

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Speaker 2: have really big grammifications on your future financial well being.

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Speaker 2: And I just go, hmm, I wouldn't be so quick

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Speaker 2: to jump into that. You ever felt like running away?

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Speaker 5: Yeah, all the time. I literally ran away from Sydney

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Speaker 5: to Melbourne and it was the best decision ever.

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Speaker 2: But yeah, because you see it now, we get it,

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Speaker 2: don't exactly this is the.

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Speaker 5: Thing and this is not really it's obviously not financial advice,

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Speaker 5: but this is more life advice.

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Speaker 1: None of it is.

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Speaker 2: I think this is a life advice segment.

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Speaker 5: Now probably a life advice situation. But for me, take

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Speaker 5: for example, you know, I've always been in entry level

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Speaker 5: jobs literally this time. Two years ago, I was working

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Speaker 5: in a warehouses, a pickpacker, and I decided I got

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Speaker 5: saying no, no.

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Speaker 2: Wait no, like five years ago, bars down, I mean

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Speaker 2: no statement.

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Speaker 5: The statement retracted.

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Speaker 2: Then she came to work at She's on the money.

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Speaker 5: I see it, fab.

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Speaker 2: I think that the side like packages. You guys said

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Speaker 2: that you worked with packages.

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Speaker 4: Match.

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Speaker 5: She liked ours. That's anyway. I did impact like your package.

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Speaker 2: But no.

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Speaker 5: So one thing that I told myself because I was

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Speaker 5: obviously like, you know, it was twenty nine thirty, that's

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Speaker 5: not old by any means, but I was like, I

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Speaker 5: should probably do something. I decided to really look at life.

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Speaker 5: Instead of being halfway up or a little bit up

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Speaker 5: a ladder, I don't want to climb. I decided to

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Speaker 5: start at the bottom of a ladder. I wanted to climb,

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Speaker 5: which is new ladder, which is you know, I started

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Speaker 5: on reception here, and that's like just starting at the

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Speaker 5: very and you killed it of a ladder. You want

445
00:19:16,359 --> 00:19:18,399
Speaker 5: to climb, and even that kind of brings you the

446
00:19:18,440 --> 00:19:20,840
Speaker 5: happiness or the satisfaction you kind of want. Knowing that

447
00:19:20,840 --> 00:19:22,880
Speaker 5: you're in a dead end job. This is a job

448
00:19:22,920 --> 00:19:24,960
Speaker 5: that will eventually lead something that you want to do,

449
00:19:25,720 --> 00:19:28,480
Speaker 5: but also move if you want to. But just keep

450
00:19:28,520 --> 00:19:30,800
Speaker 5: that in mind. Start like, just climb a ladder you

451
00:19:30,840 --> 00:19:32,800
Speaker 5: want to climb, even if it's at the very very

452
00:19:32,920 --> 00:19:35,080
Speaker 5: very bottom of it, and trying to make that work.

453
00:19:35,440 --> 00:19:36,320
Speaker 4: That's very poetic.

454
00:19:36,359 --> 00:19:39,960
Speaker 2: You're trying from home. Just no, I think it's got

455
00:19:40,000 --> 00:19:41,320
Speaker 2: a really nice house. That makes sense.

456
00:19:42,359 --> 00:19:45,040
Speaker 5: Well, there's a few holes in the roof, that's true. Yeah, right.

457
00:19:46,160 --> 00:19:48,639
Speaker 4: I think I would say that you don't have to

458
00:19:48,720 --> 00:19:51,320
Speaker 4: make that big of a decision all at once, like

459
00:19:51,480 --> 00:19:51,879
Speaker 4: a lot of.

460
00:19:51,920 --> 00:19:54,040
Speaker 2: A decision to make. That's why I'm like, we thought

461
00:19:54,080 --> 00:19:54,399
Speaker 2: about this.

462
00:19:54,880 --> 00:19:57,880
Speaker 4: Yeah, I think I know that I'm very risk ad first,

463
00:19:57,880 --> 00:20:00,560
Speaker 4: and there are certainly people out there who really push

464
00:20:00,720 --> 00:20:03,040
Speaker 4: the make the change, do the big thing. Don't wait

465
00:20:03,119 --> 00:20:03,520
Speaker 4: for the day.

466
00:20:04,160 --> 00:20:06,520
Speaker 2: This as like instead of tea in the morning, track offe.

467
00:20:08,400 --> 00:20:11,200
Speaker 4: No, but if you're craving, if you want to go somewhere,

468
00:20:11,359 --> 00:20:13,920
Speaker 4: like you said, take a short trip rather than moving.

469
00:20:14,320 --> 00:20:16,840
Speaker 4: If you think that you want to change careers, maybe

470
00:20:17,359 --> 00:20:20,440
Speaker 4: dabble by doing something on the side or I just

471
00:20:20,640 --> 00:20:23,159
Speaker 4: I don't think you have to be all in or

472
00:20:23,280 --> 00:20:26,800
Speaker 4: all out, especially if it's a decision like this one

473
00:20:27,080 --> 00:20:31,840
Speaker 4: that has potentially astronomical implications on your financial future, like

474
00:20:31,960 --> 00:20:33,920
Speaker 4: selling a house, selling investment propers.

475
00:20:33,720 --> 00:20:35,240
Speaker 2: And there's no guarantee you're going to be happy at

476
00:20:35,240 --> 00:20:37,000
Speaker 2: the other end because you don't deeply.

477
00:20:36,800 --> 00:20:38,879
Speaker 4: Know who, because you don't have the clarity. So I

478
00:20:38,960 --> 00:20:42,200
Speaker 4: think maybe before you make a decision, as you were saying,

479
00:20:42,320 --> 00:20:44,760
Speaker 4: sit down, assess what you want, do a bit of

480
00:20:44,960 --> 00:20:49,080
Speaker 4: internal work. You can try things before you go. I

481
00:20:49,200 --> 00:20:52,399
Speaker 4: was going to say balls deep but not very unbranded.

482
00:20:52,760 --> 00:20:55,040
Speaker 2: That's okay. It goes with me saying that I hired

483
00:20:55,040 --> 00:20:56,760
Speaker 2: you because I like your packages. That's true.

484
00:20:56,920 --> 00:20:59,520
Speaker 4: So you know, I think try things or find ways

485
00:20:59,520 --> 00:21:02,080
Speaker 4: to expect if you want to change, make a change.

486
00:21:02,119 --> 00:21:04,240
Speaker 4: Like I'm not saying keep doing the same thing, but

487
00:21:04,400 --> 00:21:07,680
Speaker 4: maybe just in small ways first, so that maybe you

488
00:21:07,760 --> 00:21:10,399
Speaker 4: try something you're oh, actually hate that, don't want that.

489
00:21:10,600 --> 00:21:13,359
Speaker 4: Imagine if I'd gone all in on that terrible So

490
00:21:13,480 --> 00:21:15,680
Speaker 4: you can you know, maybe you'll find something that you

491
00:21:15,800 --> 00:21:18,000
Speaker 4: didn't think that you would want that you do to

492
00:21:18,080 --> 00:21:18,440
Speaker 4: make sense.

493
00:21:18,480 --> 00:21:20,760
Speaker 2: No, I totally agree with that, And I think that's

494
00:21:20,800 --> 00:21:23,359
Speaker 2: where I was like, oh, like, running away from your

495
00:21:23,400 --> 00:21:26,240
Speaker 2: problems doesn't actually solve your problems. And while your problems

496
00:21:26,320 --> 00:21:28,960
Speaker 2: might not be like you know, these big dramatic things,

497
00:21:29,000 --> 00:21:31,720
Speaker 2: they don't have to be if you deeply haven't sat

498
00:21:31,800 --> 00:21:33,399
Speaker 2: down and thought about like, well, who am I? What

499
00:21:33,480 --> 00:21:35,600
Speaker 2: do I value about myself? What do I value about

500
00:21:35,600 --> 00:21:38,320
Speaker 2: my lifestyle? Like if you've sat down and been like, look,

501
00:21:38,480 --> 00:21:42,600
Speaker 2: I really value my freedom, my flexibility. I hate cold weather,

502
00:21:42,760 --> 00:21:44,600
Speaker 2: I don't like this, I don't like that. I do

503
00:21:44,760 --> 00:21:47,600
Speaker 2: love this, I do love that, And you go, I'm

504
00:21:47,640 --> 00:21:50,560
Speaker 2: not running away, but I would live my best life

505
00:21:50,600 --> 00:21:53,200
Speaker 2: if I moved to Bali. And you've got clarity on

506
00:21:53,280 --> 00:21:56,159
Speaker 2: the fact that you know that's a good decision for

507
00:21:56,240 --> 00:21:58,920
Speaker 2: you because you've written down why that makes sense.

508
00:21:59,560 --> 00:21:59,879
Speaker 1: Go for it.

509
00:22:00,320 --> 00:22:02,880
Speaker 2: I'm not going to stop you, but I do think

510
00:22:02,960 --> 00:22:05,440
Speaker 2: we need to be going. Actually, let's put the brakes

511
00:22:05,480 --> 00:22:07,200
Speaker 2: on this because you're like, I don't have any goals,

512
00:22:07,240 --> 00:22:10,520
Speaker 2: I don't have any aspirations. I don't know what I'm doing. Like, okay, well,

513
00:22:10,600 --> 00:22:13,760
Speaker 2: let's just press pause and understand who we are. You

514
00:22:13,840 --> 00:22:16,359
Speaker 2: don't have to have this big laundry list of goals.

515
00:22:16,400 --> 00:22:18,480
Speaker 2: And as much as I'm a goal setting girly like

516
00:22:18,960 --> 00:22:22,600
Speaker 2: adore It even released an entire online course on proper

517
00:22:22,680 --> 00:22:25,399
Speaker 2: goal setting right you don't have to have goals in

518
00:22:25,480 --> 00:22:28,159
Speaker 2: mind to start that process and go, well, actually, what

519
00:22:28,320 --> 00:22:29,639
Speaker 2: is it going to take for me to live my

520
00:22:29,760 --> 00:22:31,520
Speaker 2: best life? Like what do I like?

521
00:22:31,880 --> 00:22:32,040
Speaker 1: You know?

522
00:22:32,200 --> 00:22:34,120
Speaker 2: And Beck and I might write these lists and they're

523
00:22:34,119 --> 00:22:36,960
Speaker 2: going to be so wildly different, and that's a good thing,

524
00:22:37,240 --> 00:22:39,760
Speaker 2: but it gives us clarity and well, what'spec's next step?

525
00:22:39,920 --> 00:22:42,000
Speaker 2: Like she knows she wants to be in media, she

526
00:22:42,160 --> 00:22:44,600
Speaker 2: knows she likes this type of lifestyle, and you know,

527
00:22:44,760 --> 00:22:47,560
Speaker 2: being in this area, and you know, I'm having a baby,

528
00:22:47,880 --> 00:22:51,200
Speaker 2: Like these things are so different that you just really

529
00:22:51,280 --> 00:22:53,840
Speaker 2: need to step back and go Actually, as much as

530
00:22:53,880 --> 00:22:57,080
Speaker 2: I feel a little bit aimless, let's just have a look.

531
00:22:57,240 --> 00:22:59,880
Speaker 2: Because I can almost guarantee if I did the same

532
00:23:00,160 --> 00:23:01,840
Speaker 2: to Jess and you were saying this, I'd be like,

533
00:23:01,880 --> 00:23:03,679
Speaker 2: well do you like this or that? And you'd be like, oh,

534
00:23:03,760 --> 00:23:06,360
Speaker 2: I don't like that, and you can start learning, Oh

535
00:23:06,640 --> 00:23:09,040
Speaker 2: maybe that's not the root. This is the root. But

536
00:23:09,240 --> 00:23:11,119
Speaker 2: just by jumping into one thing, it's not going to

537
00:23:11,160 --> 00:23:12,960
Speaker 2: solve it. I promise it's not going to solve it.

538
00:23:13,040 --> 00:23:14,440
Speaker 2: In fact, you might end up regretting it.

539
00:23:14,800 --> 00:23:16,200
Speaker 4: Come back and update us in a year on what

540
00:23:16,240 --> 00:23:17,000
Speaker 4: you decide.

541
00:23:16,680 --> 00:23:19,040
Speaker 2: And we set your goals. Go sit down and actually

542
00:23:19,160 --> 00:23:21,720
Speaker 2: write down what you enjoy about life, what you want,

543
00:23:21,800 --> 00:23:23,640
Speaker 2: more of, what you want, less of, what you want

544
00:23:23,680 --> 00:23:26,640
Speaker 2: to keep on doing. I think it's important totally.

545
00:23:27,560 --> 00:23:28,600
Speaker 4: Can you tell us about the DM?

546
00:23:28,960 --> 00:23:29,120
Speaker 1: Yeah?

547
00:23:29,200 --> 00:23:29,480
Speaker 4: Please?

548
00:23:30,440 --> 00:23:32,680
Speaker 2: All right, I'm ready to share with you the DM

549
00:23:32,920 --> 00:23:35,760
Speaker 2: that I posted publicly on our stories earlier this week.

550
00:23:37,000 --> 00:23:38,000
Speaker 5: But I've not read that.

551
00:23:38,080 --> 00:23:40,879
Speaker 2: You definitely have not read already because stay away from

552
00:23:40,920 --> 00:23:44,160
Speaker 2: our socials. All right, So here's the DM. Hey, ladies,

553
00:23:44,359 --> 00:23:47,400
Speaker 2: I need some advice. My partner checked our joint bank

554
00:23:47,440 --> 00:23:50,879
Speaker 2: account and saw my orders from the Iconic. I probably

555
00:23:50,960 --> 00:23:53,680
Speaker 2: had about five different orders totally around seven hundred and

556
00:23:53,760 --> 00:23:57,560
Speaker 2: fifty dollars. He's cracked it at me and hasn't spoken

557
00:23:57,600 --> 00:23:59,960
Speaker 2: to me in over a day. That's real, ma true,

558
00:24:00,040 --> 00:24:04,200
Speaker 2: because he's so angry, yelling at me and saying it's

559
00:24:04,240 --> 00:24:06,119
Speaker 2: a waste of money and I shouldn't have put it

560
00:24:06,240 --> 00:24:08,560
Speaker 2: on our card. I feel like I should be able

561
00:24:08,600 --> 00:24:10,880
Speaker 2: to spend my money without getting in trouble and made

562
00:24:10,880 --> 00:24:13,200
Speaker 2: it feel bad, and now I'm thinking I shouldn't have

563
00:24:13,240 --> 00:24:16,120
Speaker 2: a joint account with him. If this is how he reacts,

564
00:24:16,600 --> 00:24:18,399
Speaker 2: I'm not sure if I'm in the wrong or not

565
00:24:18,560 --> 00:24:20,800
Speaker 2: for putting this on our card. It didn't feel like

566
00:24:20,920 --> 00:24:23,080
Speaker 2: it at the time, but he's now made me feel

567
00:24:23,160 --> 00:24:25,040
Speaker 2: like it was a terrible thing to do and I've

568
00:24:25,119 --> 00:24:27,760
Speaker 2: betrayed his trust. What do you think?

569
00:24:30,720 --> 00:24:32,080
Speaker 4: I feel like I'm gonna have a different opinion to

570
00:24:32,119 --> 00:24:33,359
Speaker 4: both you. So I almost want to go last.

571
00:24:33,640 --> 00:24:35,200
Speaker 2: Okay, No, I want you to go first.

572
00:24:36,040 --> 00:24:46,359
Speaker 5: M okay, Okay. I need a some much more context

573
00:24:46,440 --> 00:24:49,159
Speaker 5: because I want to know if that joint account is

574
00:24:49,280 --> 00:24:52,239
Speaker 5: strictly for bills or rent. Oh yeah, because if you're

575
00:24:52,280 --> 00:24:54,800
Speaker 5: doing that, that to me is a no no and

576
00:24:54,880 --> 00:24:57,359
Speaker 5: what are you doing? It's subjectively bad, that is not

577
00:24:57,520 --> 00:25:00,240
Speaker 5: what it is for. If it's just like the for

578
00:25:00,520 --> 00:25:02,800
Speaker 5: like you guys put all your your pay both your

579
00:25:02,840 --> 00:25:05,960
Speaker 5: pays in, then yes, spend whatever you want on whatever

580
00:25:06,040 --> 00:25:06,480
Speaker 5: you want.

581
00:25:06,640 --> 00:25:07,440
Speaker 2: Whatever you want.

582
00:25:07,720 --> 00:25:09,679
Speaker 5: Well, I just this is why I was thinking, are

583
00:25:09,680 --> 00:25:12,440
Speaker 5: you saving for something like? Is there a joint goal

584
00:25:12,840 --> 00:25:16,520
Speaker 5: in mind? And you've decided to only spend x amount

585
00:25:16,600 --> 00:25:19,760
Speaker 5: on your own things? I don't know, Like I know,

586
00:25:20,359 --> 00:25:23,600
Speaker 5: you know, you know, but you don't know. But when

587
00:25:23,600 --> 00:25:26,959
Speaker 5: you don't know what, you don't know exactly. So basically,

588
00:25:27,040 --> 00:25:29,440
Speaker 5: what I'm going to say, is this If it is

589
00:25:29,720 --> 00:25:33,680
Speaker 5: her own money and they haven't decided to try and

590
00:25:33,800 --> 00:25:36,680
Speaker 5: save together X amount per week, she's spending her own

591
00:25:36,720 --> 00:25:38,000
Speaker 5: money that she made herself.

592
00:25:38,920 --> 00:25:39,560
Speaker 1: Go for it.

593
00:25:39,920 --> 00:25:44,239
Speaker 5: That's absolutely your prerogative, and I don't see anything wrong here.

594
00:25:44,320 --> 00:25:47,479
Speaker 5: But if it's a joint account for bills and et

595
00:25:47,560 --> 00:25:50,080
Speaker 5: cetera and the like, you can't buy stuff from the

596
00:25:50,280 --> 00:25:55,920
Speaker 5: iconting from that account, is my thinking. Yeah, so that's me, Jess.

597
00:25:55,960 --> 00:25:57,400
Speaker 2: You have to go, you have to go now.

598
00:25:57,760 --> 00:25:58,119
Speaker 5: See this.

599
00:25:58,440 --> 00:26:00,560
Speaker 4: I think this is why I will never fully ever

600
00:26:00,720 --> 00:26:04,199
Speaker 4: share my finances, because I'm imagining that she and her

601
00:26:04,280 --> 00:26:07,680
Speaker 4: partner just have one shared bank account, perhaps that everyone's

602
00:26:07,720 --> 00:26:10,239
Speaker 4: money goes into that bank account. Everything is debeted out

603
00:26:10,280 --> 00:26:14,480
Speaker 4: of that bank account. I personally think if that is

604
00:26:14,600 --> 00:26:16,640
Speaker 4: the case, seven hundred fifty dollars is a lot of money.

605
00:26:17,160 --> 00:26:19,680
Speaker 4: I think that's a conversation that she'd been had because

606
00:26:20,359 --> 00:26:22,000
Speaker 4: if my partner and I were in the same situation

607
00:26:22,040 --> 00:26:23,600
Speaker 4: he spent seven hundred fift dollars on I don't know,

608
00:26:23,640 --> 00:26:24,399
Speaker 4: a video game, I.

609
00:26:24,440 --> 00:26:26,640
Speaker 2: Would be lack excuse me, or what the hell?

610
00:26:27,480 --> 00:26:31,840
Speaker 4: I would be taken aback because in my mind, a

611
00:26:31,920 --> 00:26:35,480
Speaker 4: significant purchase with shared funds is something that should be discussed.

612
00:26:35,800 --> 00:26:37,920
Speaker 4: You know, what is significant is up for debate and

613
00:26:38,240 --> 00:26:42,280
Speaker 4: personal to everybody. I actually think she should have said something.

614
00:26:42,720 --> 00:26:45,280
Speaker 4: The way that I imagine that I would work around this,

615
00:26:45,520 --> 00:26:48,080
Speaker 4: or the way that we currently manage our finances, and

616
00:26:48,119 --> 00:26:50,840
Speaker 4: I don't think I ever would change, is that independent

617
00:26:50,880 --> 00:26:55,320
Speaker 4: money is independent. So if you are both earning fifty

618
00:26:55,400 --> 00:26:58,520
Speaker 4: thousand dollars and you put X amount into an account

619
00:26:58,520 --> 00:27:00,680
Speaker 4: every week and that's your shared fund that you use

620
00:27:00,760 --> 00:27:03,560
Speaker 4: for joint purchases, for date nights, for a wedding or

621
00:27:03,600 --> 00:27:06,760
Speaker 4: a holiday, or your bills or whatever, those are shared funds.

622
00:27:07,240 --> 00:27:09,639
Speaker 4: But I think that it's really important that people are

623
00:27:09,720 --> 00:27:12,920
Speaker 4: able to spend their money however they want. But I

624
00:27:13,040 --> 00:27:16,879
Speaker 4: also think that maybe to make it equal or equitable,

625
00:27:17,240 --> 00:27:20,159
Speaker 4: you should have that money allocated to you. I don't know.

626
00:27:20,200 --> 00:27:22,120
Speaker 4: It's like each month we both get a thousand dollars

627
00:27:22,160 --> 00:27:24,120
Speaker 4: to blow on whatever we want, or five hundred dollars

628
00:27:24,240 --> 00:27:27,119
Speaker 4: or whatever it is. But I just think that if

629
00:27:27,160 --> 00:27:29,399
Speaker 4: it's joint money and you're making it be purchase, it's

630
00:27:29,440 --> 00:27:32,119
Speaker 4: something that should have been discussed. Because obviously he was

631
00:27:32,160 --> 00:27:34,679
Speaker 4: taken aback. I do not at all condone. The way

632
00:27:34,720 --> 00:27:36,520
Speaker 4: that he has approached that with you, that feels I

633
00:27:36,600 --> 00:27:40,040
Speaker 4: feel like that's a different story. I feel very displeased

634
00:27:40,080 --> 00:27:41,240
Speaker 4: with the way that he has treated you.

635
00:27:41,640 --> 00:27:44,840
Speaker 2: I feel very displeased. Yeah, I'm sorry. Are we living

636
00:27:45,119 --> 00:27:48,120
Speaker 2: in nineteen ninety four? Like, is the silent treatment still

637
00:27:48,160 --> 00:27:49,120
Speaker 2: something that you give?

638
00:27:49,680 --> 00:27:50,719
Speaker 5: Where are your words?

639
00:27:50,880 --> 00:27:51,040
Speaker 1: Sir?

640
00:27:51,280 --> 00:27:52,080
Speaker 2: You are an adult.

641
00:27:52,240 --> 00:27:54,800
Speaker 4: To blow up and be angry, I think is not

642
00:27:54,960 --> 00:27:56,600
Speaker 4: the appropriate way to handle it. But I think it

643
00:27:56,760 --> 00:27:59,280
Speaker 4: signifies that that is not something that he thought you

644
00:27:59,400 --> 00:28:01,959
Speaker 4: guys would and so you're not on the same page there,

645
00:28:02,000 --> 00:28:03,240
Speaker 4: so you need to get on the same page.

646
00:28:03,400 --> 00:28:04,960
Speaker 2: I want to know how long they've had that joint

647
00:28:05,000 --> 00:28:05,520
Speaker 2: account and.

648
00:28:05,680 --> 00:28:07,600
Speaker 4: What the discussion was around what it is, because my

649
00:28:07,640 --> 00:28:09,080
Speaker 4: partner and I have a shared account, but it is

650
00:28:09,200 --> 00:28:12,000
Speaker 4: purely like grocery funds and like bill funds.

651
00:28:12,160 --> 00:28:15,200
Speaker 2: How would you deal if James you were going through

652
00:28:15,280 --> 00:28:17,680
Speaker 2: the banking sor like James had spent five hundred bucks

653
00:28:17,720 --> 00:28:18,760
Speaker 2: out of your joint account.

654
00:28:19,080 --> 00:28:20,520
Speaker 4: I literally would be like what is this for?

655
00:28:20,840 --> 00:28:23,680
Speaker 2: Yeah, but you would question it first absolutely, being like

656
00:28:23,840 --> 00:28:25,359
Speaker 2: what the hell that was a waste of money?

657
00:28:25,560 --> 00:28:25,600
Speaker 1: No?

658
00:28:25,800 --> 00:28:26,200
Speaker 2: Yeah, okay.

659
00:28:26,320 --> 00:28:27,959
Speaker 4: It would be like if you want to buy something

660
00:28:28,080 --> 00:28:30,200
Speaker 4: you buy it with your money, like instantly, I spend.

661
00:28:30,640 --> 00:28:32,840
Speaker 4: You know, we've said before I earn my partner, I

662
00:28:33,000 --> 00:28:37,480
Speaker 4: definitely have spent big dog. I definitely spend more discretionally

663
00:28:37,520 --> 00:28:39,320
Speaker 4: than he does because I have the funds to do so.

664
00:28:39,920 --> 00:28:42,959
Speaker 4: But that it's never you know, the detriment of our

665
00:28:43,200 --> 00:28:45,560
Speaker 4: shared goals or of our you know, shared.

666
00:28:45,480 --> 00:28:47,600
Speaker 2: Yeah, of course, because you've already put that money into

667
00:28:47,640 --> 00:28:50,120
Speaker 2: savings or the investments or whatever. Yeah.

668
00:28:50,240 --> 00:28:52,840
Speaker 4: So I think it really depends on what the conversation

669
00:28:53,080 --> 00:28:54,840
Speaker 4: was around how those as you were saying, how those

670
00:28:54,880 --> 00:28:57,880
Speaker 4: funds will be managed. Yes, but yeah, controversial, I think,

671
00:28:57,880 --> 00:28:59,200
Speaker 4: because I think most people are going to be like,

672
00:28:59,280 --> 00:29:01,160
Speaker 4: it's your money, girl, spender how you want.

673
00:29:02,840 --> 00:29:03,480
Speaker 5: I don't think it is.

674
00:29:03,960 --> 00:29:07,200
Speaker 2: Sorry, I can definitely agree that if that is the

675
00:29:07,560 --> 00:29:10,840
Speaker 2: I guess those are the guidelines of the account when

676
00:29:10,840 --> 00:29:12,800
Speaker 2: it was set up. Like if your partner Jess went

677
00:29:12,840 --> 00:29:15,400
Speaker 2: and spent money from that account and you told me,

678
00:29:15,440 --> 00:29:18,400
Speaker 2: I'd be like, well, that's actually unacceptable. Where do you

679
00:29:18,440 --> 00:29:20,520
Speaker 2: get that audacity from? Like what's going on? And he

680
00:29:20,600 --> 00:29:22,200
Speaker 2: might turn around and be like, oh my god, Yess.

681
00:29:22,200 --> 00:29:24,520
Speaker 2: When I went to pay, I pulled out the wrong card. Sorry,

682
00:29:24,800 --> 00:29:25,160
Speaker 2: and the like.

683
00:29:25,280 --> 00:29:27,240
Speaker 5: It all fixes itself up, but it's all good to go.

684
00:29:27,440 --> 00:29:30,600
Speaker 2: But I'm assuming you both when you got that joint account,

685
00:29:30,840 --> 00:29:33,160
Speaker 2: had to chat, right, and you said, we're going to

686
00:29:33,200 --> 00:29:35,200
Speaker 2: get a joint account. We're going to put X amount

687
00:29:35,280 --> 00:29:37,920
Speaker 2: in it together, and it's for ABC and D right. Yeah,

688
00:29:38,080 --> 00:29:40,560
Speaker 2: so that's the breadth. And I guess the boundaries of

689
00:29:40,640 --> 00:29:43,520
Speaker 2: that account. Now, if we look at how I manage

690
00:29:43,560 --> 00:29:46,960
Speaker 2: money in my relationship, I don't have my own money

691
00:29:47,040 --> 00:29:49,320
Speaker 2: and Steve does not have his own money. Both of

692
00:29:49,360 --> 00:29:53,520
Speaker 2: our incomes going to one one pool, and that's our money,

693
00:29:53,880 --> 00:29:56,480
Speaker 2: and it doesn't matter if one of us earns double

694
00:29:56,560 --> 00:29:59,640
Speaker 2: then the other. It's just it's our money across the board.

695
00:29:59,760 --> 00:30:03,080
Speaker 2: And from that money, we pay our mortgage, we pay

696
00:30:03,120 --> 00:30:05,640
Speaker 2: our bills, you know, we pay for Lucy like we

697
00:30:05,840 --> 00:30:09,240
Speaker 2: actually have debit cards to the same accounts. So if

698
00:30:09,640 --> 00:30:12,800
Speaker 2: we looked at this situation and it was reversed and

699
00:30:12,880 --> 00:30:15,760
Speaker 2: it said, hey, Victoria spent seven hundred and fifty dollars

700
00:30:15,840 --> 00:30:20,280
Speaker 2: from our joint account, well yeah, actually, because that's my

701
00:30:20,520 --> 00:30:23,120
Speaker 2: only location of where I do spending from. We don't

702
00:30:23,160 --> 00:30:25,120
Speaker 2: have our own money accounts where we make I guess

703
00:30:25,680 --> 00:30:29,440
Speaker 2: individual purchases. We do have our own emergency funds, but

704
00:30:29,640 --> 00:30:32,880
Speaker 2: neither of us touch that amount of money. But we

705
00:30:33,000 --> 00:30:35,920
Speaker 2: have like a debit card that I use that connects

706
00:30:35,920 --> 00:30:39,040
Speaker 2: to the same account and vice versa with Steve. However,

707
00:30:39,960 --> 00:30:43,560
Speaker 2: I would never purchase something that is I would say,

708
00:30:43,680 --> 00:30:46,960
Speaker 2: like above one hundred dollars that was a personal purchase

709
00:30:47,040 --> 00:30:49,760
Speaker 2: without talking to my husband, and I'm not asking him

710
00:30:49,840 --> 00:30:52,560
Speaker 2: for permission, Like I want to be really clear that,

711
00:30:52,760 --> 00:30:54,640
Speaker 2: like I'll go buy a dress and I might not

712
00:30:54,760 --> 00:30:57,640
Speaker 2: mention it, but both of us do that within reason.

713
00:30:58,040 --> 00:31:00,000
Speaker 2: So if I've gone and spent like one hundred bucks

714
00:31:00,160 --> 00:31:01,880
Speaker 2: on a new dress, I did, I'm wearing it right now.

715
00:31:02,040 --> 00:31:03,600
Speaker 2: I bought it a Country Road. It was one hundred

716
00:31:03,640 --> 00:31:05,640
Speaker 2: nineteen dollars on sale, and I was really excited about it.

717
00:31:05,800 --> 00:31:08,400
Speaker 2: I didn't call my husband for permission. Yeah, I was like, well,

718
00:31:08,440 --> 00:31:09,720
Speaker 2: I'm going to buy myself a new dress.

719
00:31:09,800 --> 00:31:10,200
Speaker 1: That's great.

720
00:31:10,240 --> 00:31:12,040
Speaker 2: I know we've got the money. I know it's in

721
00:31:12,160 --> 00:31:15,080
Speaker 2: our budget for me to buy clothes and stuff. Yeah,

722
00:31:15,440 --> 00:31:17,600
Speaker 2: seven hundred and fifty dollars to meet is a very

723
00:31:17,680 --> 00:31:21,440
Speaker 2: different situation, Like I would be and we're not talking

724
00:31:21,440 --> 00:31:25,400
Speaker 2: about permission here, but I would be very uncomfortable going

725
00:31:25,480 --> 00:31:28,640
Speaker 2: and spending that amount of money without giving my husband

726
00:31:28,680 --> 00:31:30,840
Speaker 2: a heads up being like, hey, there's a whole heap

727
00:31:30,880 --> 00:31:33,240
Speaker 2: of stuff on sale on the Iconic, do you reckon?

728
00:31:33,280 --> 00:31:34,800
Speaker 2: I can just put through a big bowl corder and

729
00:31:34,880 --> 00:31:37,360
Speaker 2: it not matter. And like I'm not saying not matter,

730
00:31:37,440 --> 00:31:41,800
Speaker 2: but like not matter to him. Like we have everything

731
00:31:41,880 --> 00:31:44,840
Speaker 2: allocated though, so like I do my budget and cash

732
00:31:44,880 --> 00:31:47,840
Speaker 2: flow system, and you know, as I have explained before,

733
00:31:47,880 --> 00:31:50,120
Speaker 2: everything goes into the one account, but it's all automated.

734
00:31:50,200 --> 00:31:52,520
Speaker 2: It goes to our mortgaget goes to our savings and

735
00:31:52,600 --> 00:31:55,320
Speaker 2: our investments, and we have, you know, different amounts for

736
00:31:55,400 --> 00:31:58,640
Speaker 2: different things. We used to have our own spending accounts,

737
00:31:58,720 --> 00:32:01,200
Speaker 2: and it just got a little bit too messy because

738
00:32:01,680 --> 00:32:03,720
Speaker 2: I was doing most of you know, one thing, and

739
00:32:03,800 --> 00:32:06,000
Speaker 2: he was doing something else, and then it swaps and

740
00:32:06,120 --> 00:32:08,480
Speaker 2: it just became honestly messy. So this is now what's

741
00:32:08,600 --> 00:32:10,840
Speaker 2: currently working for us, But I am acutely aware that

742
00:32:10,920 --> 00:32:13,160
Speaker 2: that does not work for a lot of other people.

743
00:32:13,360 --> 00:32:16,720
Speaker 2: And I'm also speaking from i would say, a place

744
00:32:16,880 --> 00:32:21,280
Speaker 2: of very very high privilege, because let's be very blunt,

745
00:32:21,840 --> 00:32:24,720
Speaker 2: I'm not an average income earner. We do have a

746
00:32:24,800 --> 00:32:27,760
Speaker 2: bit more disposable income, so that if I buy one

747
00:32:27,840 --> 00:32:30,440
Speaker 2: hundred and twenty dollar dress, my husband's not mad at

748
00:32:30,480 --> 00:32:32,640
Speaker 2: me because that was eating into the grocery bills.

749
00:32:32,840 --> 00:32:33,000
Speaker 1: Yeah.

750
00:32:33,640 --> 00:32:35,640
Speaker 4: I do have budget that you brought up just before,

751
00:32:35,760 --> 00:32:39,200
Speaker 4: that is overlaid over generally shared account, right like that

752
00:32:39,280 --> 00:32:41,320
Speaker 4: For us, it's allocated to bills and groceries. You for

753
00:32:41,360 --> 00:32:44,680
Speaker 4: someone else, they might have their discretionary spending included in that.

754
00:32:45,520 --> 00:32:48,600
Speaker 4: But it sounds like our listener they either have a

755
00:32:48,640 --> 00:32:51,640
Speaker 4: budget allocated and her spending has gone over that and

756
00:32:51,720 --> 00:32:54,680
Speaker 4: maybe that's why he's upset, or they haven't spoken about

757
00:32:54,720 --> 00:32:55,760
Speaker 4: the breakdown, and so.

758
00:32:55,880 --> 00:32:58,960
Speaker 2: That's what boundaries were in place. Yeah, I would take

759
00:32:58,960 --> 00:33:00,480
Speaker 2: a step back and be like, all right, let's put

760
00:33:00,520 --> 00:33:02,920
Speaker 2: this seven hundred and fifty dollars expense to the side,

761
00:33:03,360 --> 00:33:05,959
Speaker 2: and let's have an adult conversation where we don't ignore

762
00:33:06,000 --> 00:33:08,719
Speaker 2: each other. Yes, and go, Actually, what did you think

763
00:33:08,760 --> 00:33:09,920
Speaker 2: the boundaries on this account?

764
00:33:10,200 --> 00:33:10,240
Speaker 1: Was?

765
00:33:11,000 --> 00:33:13,880
Speaker 2: Ah, they're different to what I thought they were. I

766
00:33:14,040 --> 00:33:15,960
Speaker 2: thought that it was just our money and we could

767
00:33:16,040 --> 00:33:19,360
Speaker 2: spend it however we want. Maybe you're in a situation

768
00:33:19,400 --> 00:33:21,719
Speaker 2: where you don't actually have a very good budget at

769
00:33:21,760 --> 00:33:24,600
Speaker 2: the moment, so you're not actually allocating money for rent

770
00:33:24,640 --> 00:33:26,880
Speaker 2: and allocating you just have a big pool of cash

771
00:33:26,920 --> 00:33:28,840
Speaker 2: and you just thought it didn't matter, when in reality

772
00:33:29,160 --> 00:33:31,680
Speaker 2: your partner's freaking out because they know Regie's due next

773
00:33:31,760 --> 00:33:34,240
Speaker 2: month and they're like, what are you doing taking that

774
00:33:34,400 --> 00:33:36,760
Speaker 2: out of there? Like, we've got a big expense coming up.

775
00:33:37,200 --> 00:33:41,160
Speaker 2: So I think for me, my budget and cash flow

776
00:33:41,200 --> 00:33:44,520
Speaker 2: system works really well because we are so structured. In

777
00:33:44,560 --> 00:33:47,800
Speaker 2: the background. I know I have this written, Jess. I

778
00:33:47,880 --> 00:33:50,880
Speaker 2: know you're exactly the same because we budget very similarly.

779
00:33:51,480 --> 00:33:55,200
Speaker 2: We literally use the same product and it's my product role.

780
00:33:55,840 --> 00:33:58,600
Speaker 2: But we know what's coming up, we know what's there

781
00:33:58,760 --> 00:34:01,480
Speaker 2: and what we can and can't spends, And inherently I

782
00:34:01,640 --> 00:34:03,440
Speaker 2: have in the back of my head if I'm going

783
00:34:03,480 --> 00:34:05,120
Speaker 2: to go spend that one twenty ondred dress, I know

784
00:34:05,200 --> 00:34:07,840
Speaker 2: it's not impactful because I've actually already allocated everything.

785
00:34:08,160 --> 00:34:10,440
Speaker 5: And my husband is across the same budget.

786
00:34:10,480 --> 00:34:12,960
Speaker 2: We're on exactly the same Paige, So if he's spending

787
00:34:13,000 --> 00:34:16,319
Speaker 2: money from our account, he knows it's okay because he's

788
00:34:16,600 --> 00:34:19,040
Speaker 2: very aware of what else is being paid. But it

789
00:34:19,200 --> 00:34:22,279
Speaker 2: just sounds like you are not aware of the boundaries

790
00:34:22,360 --> 00:34:24,279
Speaker 2: that have been put in place for this account. You

791
00:34:24,400 --> 00:34:27,760
Speaker 2: need to talk about that and often having more structure

792
00:34:28,239 --> 00:34:31,960
Speaker 2: is actually going to be better. And yeah, put you

793
00:34:32,040 --> 00:34:33,840
Speaker 2: in a situation where you've got more success.

794
00:34:33,920 --> 00:34:36,200
Speaker 4: Yeah, because there's no right or wrong, like we do

795
00:34:36,320 --> 00:34:37,279
Speaker 4: it completely different ways.

796
00:34:37,320 --> 00:34:37,919
Speaker 5: Yeah, and that works.

797
00:34:38,480 --> 00:34:41,880
Speaker 2: And pragmatically, we could wipe this whole conversation off the

798
00:34:41,920 --> 00:34:43,480
Speaker 2: table and be like, oh, yes, how do you budget?

799
00:34:43,520 --> 00:34:44,880
Speaker 2: And you go, oh, I use the sheese on the

800
00:34:44,920 --> 00:34:46,680
Speaker 2: Money masterclass and I'll be like, yeah, same. Do you

801
00:34:46,719 --> 00:34:47,920
Speaker 2: have joint account with your partner?

802
00:34:48,400 --> 00:34:48,560
Speaker 1: Yes?

803
00:34:48,960 --> 00:34:49,600
Speaker 5: Oh, me too.

804
00:34:50,080 --> 00:34:52,520
Speaker 2: And you might assume that our banking systems are very

805
00:34:52,560 --> 00:34:55,760
Speaker 2: similar because you just ticked two really big boxes about

806
00:34:55,800 --> 00:34:58,399
Speaker 2: how we budget and then also how we view joint

807
00:34:58,440 --> 00:35:01,280
Speaker 2: accounts and the reality years it couldn't be more different.

808
00:35:02,080 --> 00:35:04,040
Speaker 2: We did ask the community a couple of questions.

809
00:35:04,080 --> 00:35:04,560
Speaker 4: Are you ready?

810
00:35:05,320 --> 00:35:06,600
Speaker 2: So we said, do you have a joint account with

811
00:35:06,640 --> 00:35:10,040
Speaker 2: your partner? Sixty five percent of you said yes, which

812
00:35:10,080 --> 00:35:11,960
Speaker 2: I was impressed with because I thought it would be less.

813
00:35:12,280 --> 00:35:13,040
Speaker 5: Yeah, that is a lot.

814
00:35:13,160 --> 00:35:15,920
Speaker 2: We said if yes, if your partner put personal expenses

815
00:35:15,960 --> 00:35:18,720
Speaker 2: on the joint account without telling you, would you be angry?

816
00:35:19,400 --> 00:35:22,640
Speaker 2: Twenty one percent of you said yep, definitely. Sixty seven

817
00:35:22,680 --> 00:35:24,880
Speaker 2: percent said, well, it depends how much money it was,

818
00:35:25,080 --> 00:35:27,440
Speaker 2: and twelve percent of you said, wouldn't care. I think

819
00:35:27,480 --> 00:35:28,160
Speaker 2: it's fine to do.

820
00:35:28,360 --> 00:35:28,400
Speaker 1: So.

821
00:35:29,120 --> 00:35:30,920
Speaker 5: The overlay of that would.

822
00:35:30,719 --> 00:35:34,200
Speaker 2: Be the boundaries of the account. Again, it's pretty sure

823
00:35:34,239 --> 00:35:36,840
Speaker 2: the people saying I wouldn't care, I think that's fine,

824
00:35:37,239 --> 00:35:40,520
Speaker 2: their boundary would be that that is also for personal spending. Yeah,

825
00:35:40,600 --> 00:35:43,239
Speaker 2: Whereas if I say to my partner or you know,

826
00:35:43,400 --> 00:35:45,600
Speaker 2: back when Steve was my boyfriend and we had a

827
00:35:46,080 --> 00:35:49,400
Speaker 2: joint account together, it was literally for rent and groceries

828
00:35:49,640 --> 00:35:51,319
Speaker 2: and electricity bills, pit.

829
00:35:51,320 --> 00:35:52,800
Speaker 5: Spent from that, I think I would have flipped it.

830
00:35:53,040 --> 00:35:55,600
Speaker 2: I would have been like, what are you doing sir? Yes,

831
00:35:56,239 --> 00:35:59,560
Speaker 2: So context is everything. We then asked, is your joint

832
00:35:59,560 --> 00:36:03,360
Speaker 2: account only used for shared costs such as rent bills, groceries,

833
00:36:03,400 --> 00:36:06,680
Speaker 2: holidays together, et cetera. Seventy one percent said yep, it's

834
00:36:06,719 --> 00:36:09,840
Speaker 2: only for shared cost and then twenty nine percent said no,

835
00:36:10,000 --> 00:36:12,560
Speaker 2: we put personal costs in there as well. That is

836
00:36:12,640 --> 00:36:16,080
Speaker 2: the context we need about your account. Yes, definitely. We

837
00:36:16,160 --> 00:36:18,480
Speaker 2: then said, do you have some guidelines with your partner

838
00:36:18,600 --> 00:36:21,320
Speaker 2: on how and what those shared accounts are used for?

839
00:36:22,120 --> 00:36:24,640
Speaker 2: Seventy three percent said, yep, we set these when we

840
00:36:24,719 --> 00:36:27,879
Speaker 2: got the account, which is I'm assuming not what our

841
00:36:28,440 --> 00:36:31,840
Speaker 2: DM message I did. And twenty seven percent said, no,

842
00:36:32,000 --> 00:36:34,239
Speaker 2: we really relaxed and just go with whatever goes on.

843
00:36:34,960 --> 00:36:38,200
Speaker 2: Just turn right now, that would never go like that.

844
00:36:38,239 --> 00:36:42,880
Speaker 5: Would never work for absolutely. Got absolutely like.

845
00:36:43,000 --> 00:36:46,200
Speaker 2: This woman uses up bank right, and the reason she's

846
00:36:46,320 --> 00:36:48,200
Speaker 2: so in love with our bank, apart from the fact

847
00:36:48,200 --> 00:36:50,680
Speaker 2: that it's just a good banking system, right, she can

848
00:36:50,760 --> 00:36:53,160
Speaker 2: have savers for everything? How many savers if you currently

849
00:36:53,200 --> 00:36:53,880
Speaker 2: got just cook, I.

850
00:36:53,840 --> 00:36:55,160
Speaker 4: Think I have like sixteen or something.

851
00:36:55,239 --> 00:36:59,320
Speaker 2: Yeah, sixteen different savings accounts that she just like breaks

852
00:36:59,360 --> 00:37:01,320
Speaker 2: down the truly everything. And I look at her and

853
00:37:01,360 --> 00:37:03,600
Speaker 2: I'm like, I am a legit ex financial advisor, and

854
00:37:03,680 --> 00:37:05,719
Speaker 2: I could never's perfectly.

855
00:37:05,480 --> 00:37:09,080
Speaker 5: I mean perfectly sounds like cottious.

856
00:37:09,080 --> 00:37:11,040
Speaker 4: You have a fun for everything, so I know exactly

857
00:37:11,160 --> 00:37:13,520
Speaker 4: what I can spend on clothes, exactly what I can

858
00:37:13,600 --> 00:37:14,320
Speaker 4: spend on beauty.

859
00:37:14,760 --> 00:37:16,480
Speaker 5: I like that it just workes up.

860
00:37:16,520 --> 00:37:18,160
Speaker 4: But again it's so personal, right.

861
00:37:18,120 --> 00:37:21,000
Speaker 2: Like I love pain together, Like I've got like a

862
00:37:21,080 --> 00:37:24,440
Speaker 2: little budget for like clothes and beauty and discretionary items.

863
00:37:24,520 --> 00:37:26,000
Speaker 2: And if I spent it all on beauty. Well, I

864
00:37:26,040 --> 00:37:28,560
Speaker 2: don't get any clothes, whereas just as like, no, I

865
00:37:28,719 --> 00:37:29,760
Speaker 2: need balance.

866
00:37:29,480 --> 00:37:31,680
Speaker 4: I separated. Yeah, I separated out even further.

867
00:37:31,840 --> 00:37:32,440
Speaker 5: That's incredible.

868
00:37:32,800 --> 00:37:35,759
Speaker 2: So we then went to the community and said, what

869
00:37:35,960 --> 00:37:38,960
Speaker 2: is your two cents and similar reactions to us? So

870
00:37:39,880 --> 00:37:42,160
Speaker 2: what is wrong with him and his reaction? Why it's

871
00:37:42,239 --> 00:37:45,239
Speaker 2: so intense? I think you need to have a deep conversation.

872
00:37:46,320 --> 00:37:48,840
Speaker 2: Someone else said, I think what he's more upset about

873
00:37:48,880 --> 00:37:53,200
Speaker 2: here is a lack of communication. Communication is key. Someone

874
00:37:53,280 --> 00:37:55,880
Speaker 2: said you both should still get discretionary spending in your

875
00:37:55,960 --> 00:37:58,360
Speaker 2: own accounts, which is fair, but we're talking about a

876
00:37:58,480 --> 00:38:02,000
Speaker 2: joint account. A heap of you actually DMed and said

877
00:38:02,200 --> 00:38:04,439
Speaker 2: we gott to need more context here, and I'm like, sorry, Sis,

878
00:38:04,560 --> 00:38:06,960
Speaker 2: we weren't provided with that context. And that's half the

879
00:38:07,040 --> 00:38:10,399
Speaker 2: fun of these dms. We can assume someone else said,

880
00:38:10,440 --> 00:38:12,560
Speaker 2: I'd rather him put it on the joint account than

881
00:38:12,640 --> 00:38:14,320
Speaker 2: keep his spending a secret.

882
00:38:15,000 --> 00:38:15,520
Speaker 4: Interesting way.

883
00:38:16,080 --> 00:38:19,239
Speaker 2: Yeah, okay, and I mean that makes sense. But like

884
00:38:19,360 --> 00:38:22,600
Speaker 2: in your situation, Jess, it's very clear that your money's

885
00:38:22,640 --> 00:38:25,000
Speaker 2: your money and your partner's money is your partner's money,

886
00:38:25,040 --> 00:38:28,640
Speaker 2: and you split it. However you've decided to split it yeah. Like,

887
00:38:29,320 --> 00:38:31,360
Speaker 2: I don't know if in your situation you'd be that

888
00:38:31,440 --> 00:38:34,520
Speaker 2: happy with your partner critiquing what you're spending and him

889
00:38:34,560 --> 00:38:36,200
Speaker 2: being like, oh, well, you do spend more than me.

890
00:38:36,760 --> 00:38:39,520
Speaker 4: That's not the point, which is why I like personally

891
00:38:39,640 --> 00:38:41,920
Speaker 4: for me and my situation, I like the idea of

892
00:38:42,000 --> 00:38:44,560
Speaker 4: having your own separate spending account because it does take

893
00:38:44,640 --> 00:38:47,800
Speaker 4: out that need to answer to somebody. You go, yeah, okay, whatever.

894
00:38:48,239 --> 00:38:49,799
Speaker 4: You know, I've worked out from my budget and you've

895
00:38:49,800 --> 00:38:52,759
Speaker 4: worked out from your budget that we have to spend independently.

896
00:38:52,880 --> 00:38:55,319
Speaker 4: We spend independently and you don't answer to anybody. It's

897
00:38:55,360 --> 00:38:58,719
Speaker 4: kind of like we're both adults. Spend it how you want. Like,

898
00:38:58,800 --> 00:39:01,719
Speaker 4: if you want to spy five hundred chocolate eggs because

899
00:39:01,719 --> 00:39:04,680
Speaker 4: they're already out, you go like, girl, buy yourself some

900
00:39:04,800 --> 00:39:06,799
Speaker 4: cabridery milk eggs. Can you tell what I'm thinking about

901
00:39:06,800 --> 00:39:07,359
Speaker 4: doing a life?

902
00:39:08,760 --> 00:39:10,239
Speaker 5: I'm loving about them.

903
00:39:10,280 --> 00:39:13,160
Speaker 2: Living is so hard because complete side note. I was

904
00:39:13,280 --> 00:39:16,120
Speaker 2: in the supermarket the other day with my husband and

905
00:39:16,360 --> 00:39:19,400
Speaker 2: he looked at the Easter installation and he was like,

906
00:39:19,480 --> 00:39:22,120
Speaker 2: didn't we have Christmas yesterday? And I said, yeah, we did,

907
00:39:22,239 --> 00:39:24,359
Speaker 2: and he looked at me dead in the eyes and said,

908
00:39:24,440 --> 00:39:25,160
Speaker 2: Jessel love.

909
00:39:25,080 --> 00:39:28,399
Speaker 4: This, and I was like, he knows me so well.

910
00:39:28,520 --> 00:39:31,640
Speaker 5: I was like, yeah, she will. But that's also really funny.

911
00:39:31,680 --> 00:39:35,400
Speaker 2: It's very clear back to our DM two senses. Someone

912
00:39:35,520 --> 00:39:38,360
Speaker 2: said anything over one hundred dollars being purchased has to

913
00:39:38,400 --> 00:39:40,960
Speaker 2: be discussed in our house, which I think is very

914
00:39:41,440 --> 00:39:43,919
Speaker 2: very fair. Someone did a whole heap of red flag

915
00:39:44,000 --> 00:39:47,080
Speaker 2: emojis and said, the delivery, it's a conversation. Sorry he

916
00:39:47,200 --> 00:39:49,879
Speaker 2: approached it that way, yeah, manchild.

917
00:39:49,680 --> 00:39:51,960
Speaker 4: I was like, the delivery was not good.

918
00:39:52,239 --> 00:39:55,680
Speaker 2: Yes, his reaction is immature, but this actually should have

919
00:39:55,760 --> 00:40:00,719
Speaker 2: been a conversation before spending, irrespective of how he responded. Yeah, So, like,

920
00:40:01,239 --> 00:40:04,279
Speaker 2: I know he responded incorrectly. I think we can all

921
00:40:04,320 --> 00:40:06,080
Speaker 2: agree on that. Yes, but like at the end of

922
00:40:06,120 --> 00:40:08,399
Speaker 2: the day, seven hundred and fifty dollars is a lot

923
00:40:08,560 --> 00:40:11,920
Speaker 2: of money. That is a lot. It is like, it

924
00:40:12,080 --> 00:40:14,520
Speaker 2: is a lot of money in general to have in

925
00:40:14,600 --> 00:40:16,839
Speaker 2: your account. It is a lot of money to then

926
00:40:16,920 --> 00:40:20,000
Speaker 2: say I spent that on the iconic Yeah, so lightly.

927
00:40:20,280 --> 00:40:22,520
Speaker 2: I don't know if my husband did that or I

928
00:40:22,680 --> 00:40:25,000
Speaker 2: did that. I kind of expect my husband to be like, well,

929
00:40:25,040 --> 00:40:28,440
Speaker 2: what is this yeah, and ask me, because that's a

930
00:40:28,480 --> 00:40:30,480
Speaker 2: bit rogue, especially without a discussion.

931
00:40:30,960 --> 00:40:33,160
Speaker 5: Oh sorry, I was just trying to calculate the shot back.

932
00:40:35,840 --> 00:40:37,480
Speaker 4: If it was upsized, it could be twenty percent, but

933
00:40:37,760 --> 00:40:40,480
Speaker 4: sometimes it's not upsized right now, so I wouldn't have

934
00:40:40,640 --> 00:40:41,520
Speaker 4: ordered anyway.

935
00:40:42,960 --> 00:40:43,160
Speaker 2: Yeah.

936
00:40:43,239 --> 00:40:45,480
Speaker 5: Yeah, if you've spent that when it was upsides whatever

937
00:40:45,520 --> 00:40:48,200
Speaker 5: that's called. I haven't experienced it yet, yeah, so it'd

938
00:40:48,239 --> 00:40:48,799
Speaker 5: be so mad.

939
00:40:49,400 --> 00:40:51,800
Speaker 2: So I think the TLDR of all of this is

940
00:40:52,239 --> 00:40:54,640
Speaker 2: it's time to discuss the terms and conditions of your

941
00:40:54,719 --> 00:40:58,040
Speaker 2: joint account together. Set some boundaries, keep some boundaries, and

942
00:40:58,200 --> 00:41:01,440
Speaker 2: understand what that actually looks like, and have an honest

943
00:41:02,040 --> 00:41:06,080
Speaker 2: adult conversation about it. Because even when we do stuff

944
00:41:06,120 --> 00:41:08,600
Speaker 2: like this, like if it was the right thing to

945
00:41:08,680 --> 00:41:11,319
Speaker 2: do ultimately, or even if it was the wrong thing

946
00:41:11,400 --> 00:41:15,759
Speaker 2: to do ultimately, these conversations around money should always be respectful,

947
00:41:16,200 --> 00:41:18,040
Speaker 2: and I think that that's the only way we can

948
00:41:18,080 --> 00:41:20,080
Speaker 2: move forward. So it just sounds like there's a few

949
00:41:20,080 --> 00:41:23,560
Speaker 2: things going on, agreed myself. We're all done here, my love,

950
00:41:24,400 --> 00:41:28,440
Speaker 2: so have the best weekend. I'm excited because money Diaries

951
00:41:28,480 --> 00:41:31,160
Speaker 2: are back on Monday, so we will see you then.

952
00:41:31,280 --> 00:41:33,680
Speaker 2: Until then, enjoy your weekend, My loves We love you.

953
00:41:34,000 --> 00:41:34,919
Speaker 5: Bye guys Bye.

954
00:41:40,160 --> 00:41:42,680
Speaker 6: The advice shared on She's on the Money is general

955
00:41:42,760 --> 00:41:46,600
Speaker 6: in nature and does not consider your individual circumstances. She's

956
00:41:46,640 --> 00:41:50,080
Speaker 6: on the Money exists purely for educational purposes and should

957
00:41:50,160 --> 00:41:53,280
Speaker 6: not be relied upon to make an investment or financial decision.

958
00:41:53,680 --> 00:41:56,120
Speaker 6: If you do choose to buy a financial product, read

959
00:41:56,160 --> 00:42:00,280
Speaker 6: the PDS TMD and obtain appropriate financial advice tailored towards

960
00:42:00,360 --> 00:42:03,600
Speaker 6: your needs. Victoria Divine and She's on the Money are

961
00:42:03,680 --> 00:42:07,040
Speaker 6: authorized representatives of money. Sheper p T y L t

962
00:42:07,200 --> 00:42:09,879
Speaker 6: D A b N three two one six four nine

963
00:42:10,080 --> 00:42:13,000
Speaker 6: two seven seven zero eight a F s L four

964
00:42:13,080 --> 00:42:14,560
Speaker 6: five one two eight nine