Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerney Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it. She's on the Money.
Speaker 3: She's on the Money.
Speaker 2: Hello and welcome to She's the Money the podcast and
Speaker 2: millennials who want financial freedom. My friends, today it is Friday,
Speaker 2: which guess what that means, in no surprise to anybody,
Speaker 2: is time to get my little team together and celebrate
Speaker 2: you ow incredible. She's on the Money community today. Miss
Speaker 2: Jess Ricci, she's back. She's sharing her money wins and
Speaker 2: confessions from the community. Miss beck Sayed has a number
Speaker 2: of very exciting broke tips for us. We're going to
Speaker 2: be helping to answer a juicy money dilemma which this
Speaker 2: week is all about getting out of a rut and
Speaker 2: still prioritizing future you, and we're gonna unpack something that
Speaker 2: you slid into our DMS, about which this week we're
Speaker 2: adding spending money on yourself from a joint account that
Speaker 2: you have in your partner. Before we get there, though,
Speaker 2: my friends, how are you good?
Speaker 4: It's sunny today. Nice difference for those of us in
Speaker 4: Melbourne who've been dealing with the rain and the I
Speaker 4: was gonna say the hail and the snow, but we
Speaker 4: haven't had hail or snow, so just the rain. There
Speaker 4: were you not clearly not your Yeah. I love that
Speaker 4: the sun is out, feeling good, feeling happy New Year.
Speaker 4: You me still basking in the glow of that, currently
Speaker 4: trying to sow my Taylor Swift errors outfit for anyone
Speaker 4: who follows me on social media and is keeping up.
Speaker 2: I don't know how to sew.
Speaker 5: I didn't pick you as a habitashist, a haberdashist.
Speaker 4: I'm not one.
Speaker 2: I've literally never even heard that term.
Speaker 4: Your habitashists radar is bag on.
Speaker 2: That's good to know. That's good to know.
Speaker 5: I'll walk out on the streets of confidence. That's good
Speaker 5: to know that sounds lovely and just as your bad
Speaker 5: luck street come to an end, I don't I don't.
Speaker 2: Want to trigger you. Don't you get Taylor Swift like
Speaker 2: Diamonte cowboy boots in.
Speaker 4: The very exciting, very cute. No, there's currently a hole
Speaker 4: in my roof still leaks when it rains, arguably more
Speaker 4: so than ever before.
Speaker 2: But we are going to get very close to this
Speaker 2: real estate agency because it is wild what they're putting
Speaker 2: you through there.
Speaker 4: It's more of a company that built out like it's
Speaker 4: a brand new house.
Speaker 2: I'm sorry you called their emergency line and they were like, sorry,
Speaker 2: they're busy.
Speaker 4: Today has always been better than mine.
Speaker 5: I don't want to rob it in, but I certainly has,
Speaker 5: and I also don't want to drink that. At the
Speaker 5: same time, my voice is back, as you guys can tell.
Speaker 2: Yeah, I feel like we're all back after the holiday,
Speaker 2: and they're like, listen to us, we sound young again.
Speaker 4: Yes, we like.
Speaker 5: It's gonna wear for really quickly. I feel like at
Speaker 5: the start of the year everyone's really happy, really light,
Speaker 5: really bouncy. Maybe by July we'll be bit angry again.
Speaker 4: Well that's a good run if I make it to July.
Speaker 4: I'll be thrilled.
Speaker 2: Honestly, that's a great run.
Speaker 4: I mean for you.
Speaker 5: I couldn't even be several hours if it hasn't happened already.
Speaker 2: But no, moment's been.
Speaker 5: Really good, just being like seeing friends and being on
Speaker 5: the potinsular. Yeah, it's really nice. It's lovely. Day has
Speaker 5: just said, just good fights all round, feeling great.
Speaker 2: I love I love this so much. I'm getting increasingly
Speaker 2: unco comfortable. I do now look like I am smuggling
Speaker 2: a beach ball. But that is okay, very grateful, very healthy,
Speaker 2: very happy. Yeah, I'm excited for Taylor Swift as well,
Speaker 2: Like Jess and I are going together with two other
Speaker 2: girls from our team, which is obviously going to be
Speaker 2: the best ever.
Speaker 4: You're wearing a friendship bracelet? Is that related or unrelated?
Speaker 2: It is related because fifty bracelet not going to this
Speaker 2: When is this concert that's on the seventeenth of January February. Yeah,
Speaker 2: I'm going to be thirty nine weeks pregnant. I will
Speaker 2: regret nothing.
Speaker 5: That is going to be very hard. But no, someone
Speaker 5: is going and she made me a bracelet for the
Speaker 5: well it there's a bit of vackstory it's tweetledumb because
Speaker 5: she's tweetled d Well, there wasn't really that much of a
Speaker 5: Vacktorid's that.
Speaker 2: That's actually just the story. And I think you're says fearless,
Speaker 2: doesn't it? I need to make myself one so that
Speaker 2: it can like sit on my thank you. I actually
Speaker 2: will commission that I need to.
Speaker 4: I got any email just before my package is arrived
Speaker 4: with all my beads.
Speaker 2: Is this something that I'm going to be expected to do?
Speaker 4: I'll do it for you?
Speaker 2: Like, do I need to get a whole heap of
Speaker 2: bracelets to trade because everybody else is going to have
Speaker 2: bracelets to trade?
Speaker 5: You've got enough on your plate?
Speaker 2: Can I just buy bracelets? Is that an option?
Speaker 4: Don't worry about it. We'll talk later.
Speaker 2: I got your covered, Okay, okay, okay. I haven't even
Speaker 2: thought about my outfit because I can't stop thinking about
Speaker 2: the idea that you know, Jess has these beautiful outfits
Speaker 2: in mind, right, She's got all of these beautiful options,
Speaker 2: and then she's like posting videos of like beautiful chul
Speaker 2: and stuff, and I'm like, this is going to look
Speaker 2: slay if you put me in sparkles and diamonds. I'm
Speaker 2: going to look like a disco ball.
Speaker 4: I think we go all in and you just wear
Speaker 4: a crop top and we paint a disco ball on
Speaker 4: your belly.
Speaker 2: Absolutely not a great I already feel somewhat uncomfortable whenever
Speaker 2: my belly is out. Over summer, I like wore a
Speaker 2: bikini and it took point two seconds for me to
Speaker 2: go find a linen shirt and be.
Speaker 5: Like, look, I want you to wear a pencil skirt
Speaker 5: and the belly will be the top of a microphone.
Speaker 3: Oh my god, that's so good?
Speaker 5: Is that?
Speaker 1: Like?
Speaker 5: Can you do can you do that?
Speaker 4: Just for me?
Speaker 3: Just for you, just for you?
Speaker 2: All right, moving on, because I don't want any more
Speaker 2: Habitdasherie recommendation. Let's get into what has been happening in
Speaker 2: the community. It's just gricci. What community money wins? All
Speaker 2: confessions have you got to share this week?
Speaker 4: Firstly, I've got a win from Ashley who said I
Speaker 4: finally found a way to make iced coffee at home
Speaker 4: that tastes better than my morning mac is iced coffee,
Speaker 4: saving myself a cheeky seventy dollars a week by not
Speaker 4: buying them went out and about.
Speaker 5: Could she send the recipe.
Speaker 4: Yeah, that's actually the question, Ashley, please share the recipe
Speaker 4: with us. Actually I think she did because I can
Speaker 4: see at least asked the same thing. So go to
Speaker 4: the thread great recipes there. Next, I've got a money
Speaker 4: win from Lucy, who said money win. Good name, but
Speaker 4: it is a good name spelled with an I, not
Speaker 4: with a wife. Oh way cuter, wait, very cute, I.
Speaker 5: Pictured l I see why.
Speaker 2: I see where.
Speaker 5: It's.
Speaker 2: It's like how when I met my husband and his
Speaker 2: name is Stephen and he said, yeah, it's a Stephen
Speaker 2: with a pea and I immediately thought of that Small
Speaker 2: Mexicular Dog album. And now he's saved in my phone
Speaker 2: as PHT E V E N and the small Mexican
Speaker 2: Dog is his profile picture.
Speaker 4: Very huge, Hilariously, that's how he saved in my phone too,
Speaker 4: because you air dropped the contact to me like everybody.
Speaker 2: Their phoney.
Speaker 4: But Lucy said money win. I bought a Raffle ticket
Speaker 4: with money I earned from the collect the Container Deposit scheme.
Speaker 4: I won said Raffle, which included a fifty dollars pharmacy voucher.
Speaker 4: I went to the pharmacy to buy a discounted Breast pub.
Speaker 4: It was the last month they had in stock, so
Speaker 4: they discounted it a further fifty dollars.
Speaker 2: Okay, but they're really expensive and I didn't know that.
Speaker 4: So she only paid fifty bucks, which was covered by
Speaker 4: her container refund, so she saved you nine dollars together.
Speaker 2: No gosh, there you go.
Speaker 4: Recycle your bottles, Runds.
Speaker 5: That's incredible.
Speaker 4: Never know when you could win a voucher next. I've
Speaker 4: got one from Nicole who said double money win. Someone
Speaker 4: posted in my local Facebook group looking for any one
Speaker 4: with an overgrown yard who wouldn't mind having some sheep
Speaker 4: over for a week to eat it down.
Speaker 2: Me, she said me, totally.
Speaker 1: Me.
Speaker 4: I get my lawn mode and fertilized and they didn't
Speaker 4: have to pay to feed the sheep for ten days.
Speaker 4: Meet Paris, Chocolate and Honey, my new lawn maintenance crew,
Speaker 4: and of course we have a picture.
Speaker 2: Most thing I've seen in my life.
Speaker 4: That's really clever. If they happen to want to do
Speaker 4: a front nature strip, I know someone with one.
Speaker 2: That's very overgrown. I actually follow. I don't know who
Speaker 2: it is. I will post it on my stories. I
Speaker 2: follow a group of goats. One who do like garden demolition,
Speaker 2: and I got that's so funny, and they like sence
Speaker 2: the goats into places that have like really like dense
Speaker 2: like shrubbery and stuff that people are meant to pull out.
Speaker 2: That goats eat everything. So they do these time lapses
Speaker 2: of these goats going in and doing their work and
Speaker 2: like eating everything and then going away being like, we're
Speaker 2: the goats, we did our work.
Speaker 4: I actually love everything about that.
Speaker 2: I'm gonna say so funny.
Speaker 4: I'm that is amazing. Next, Christine said she picked up
Speaker 4: a gorgeous stainless steel pan from the op shop for
Speaker 4: ten bucks when it's worth one hundred. Love a good opshop. Fine,
Speaker 4: good time to be op shopping at a moment?
Speaker 2: Is it well played?
Speaker 4: Didn't even catch that everyone's getting rid of their stuff
Speaker 4: for the new.
Speaker 2: Year, so you shop time right now is great.
Speaker 4: Rhiannon said, money Win. I found a broken bit of
Speaker 4: plant on the footpath, put it in water to grow roots,
Speaker 4: and after a few weeks I got a new plant baby.
Speaker 2: For free, money Win. Beautiful photo, oh lovely.
Speaker 4: Of the plant baby. I want to know, did you
Speaker 4: find it on the footpath or did.
Speaker 2: You liberate it? Find it on the foot path, like
Speaker 2: the time I stole a string of pearls from my
Speaker 2: sister's string of pearls plants and planted that myself and
Speaker 2: now mine looks better than her.
Speaker 5: Oh, that would kill you.
Speaker 2: Well, maybe she should have looked after it in the
Speaker 2: first place.
Speaker 4: Lastly, I have a money win from Catherine which comes
Speaker 4: with a little bit of a PSA. She said, free money.
Speaker 4: I signed up to Chairs's with the ten dollar SotM code,
Speaker 4: which I've then reinvested the dividends that I earned. I
Speaker 4: feel so rich when I look at it, despite having
Speaker 4: no spare dollars to invest right now. Thanks SotM, you'm welcome.
Speaker 2: So you're saying that your free money is making more
Speaker 2: free money, and that free money will make you more money,
Speaker 2: huge money.
Speaker 4: We light hack and it was I said PSA because
Speaker 4: a few people dm us to say the code wasn't working.
Speaker 5: Cool.
Speaker 2: We've been canceled by Chasey.
Speaker 4: Oh I reached out. Thankfully, they've given us the code
Speaker 4: back for another year. So SotM will give you a
Speaker 4: free ten bucks when you sign.
Speaker 2: Up, so we don't get anything for that. Just to
Speaker 2: be very clear, that is not a referral code. That's
Speaker 2: just free money for you and dividends as well. So
Speaker 2: now Catherine's on the app and up, I love it.
Speaker 2: What else have you got, Jess? That's it? That's it.
Speaker 2: I mean, that's ending on a like free money giving
Speaker 2: free money. That was a good place to end. People
Speaker 2: who love free money also love broke tips. So Beck
Speaker 2: say it, what have you for us?
Speaker 5: Okay? So this week I have, as always, two from
Speaker 5: the community, one for myself. So the first one comes
Speaker 5: from Prianca. She suggested it's something I have done. Dye
Speaker 5: your old clothes instead of buying new ones, like referb
Speaker 5: which is a great idea because often, like for example,
Speaker 5: I'll buy white shirts that look amazing for like one
Speaker 5: and a half hours, and then I always yes, And
Speaker 5: I actually recently died one of them pink and the
Speaker 5: stains are kind of gone, like maybe they're still kind
Speaker 5: of there, but you see.
Speaker 2: Them with a pinkover and everyone's like, oh my gosh,
Speaker 2: I buy a new shirt.
Speaker 5: I'm like, yeah, thank you so much, and it didn't
Speaker 5: barely cost me anything.
Speaker 2: But you can also tell people that you're a habitasherist
Speaker 2: and you made it exactly exactly.
Speaker 5: So yeah, killing like multiple birds with one stone out
Speaker 5: in twenty twenty four. We're not killing animals anyway.
Speaker 2: So the next one comes from me on the vegan
Speaker 2: trip because I have seen her eat steak.
Speaker 5: That's true, very early controversial waters.
Speaker 4: Please steer away.
Speaker 2: Let's steer away.
Speaker 5: I'm very scared right now.
Speaker 2: She's on spicy.
Speaker 5: So this next one comes from Reliar, who shared a
Speaker 5: page on Instagram that post cheap hacks, and one in
Speaker 5: particular that I liked is about this article that gave
Speaker 5: you suggestions on really cheap recipes. Some of them were
Speaker 5: like eight dollars, some of them were cheap, some of
Speaker 5: them are tiny bit more expensive. So this Instagram page
Speaker 5: is at four zero one Okayay, so four hundred and
Speaker 5: one okay, I don't really know what that stands for.
Speaker 2: We're not going to question it because they have cheap
Speaker 2: recipes back.
Speaker 5: Exactly, let's not question it. But they also have other
Speaker 5: little cheap hacks, but just have a little peruse go
Speaker 5: on their Instagram. Yeah, have a look. But yes, that
Speaker 5: cheap recipe article I will be following to the tea
Speaker 5: because that is you.
Speaker 2: Know, I think it's my like chea food.
Speaker 5: We absolutely need food to survive, and so you know,
Speaker 5: if that's all you can afford before payday, at least
Speaker 5: do it cheaply as possible.
Speaker 2: But also, even if you can afford it, what a
Speaker 2: good way to save some money. So find some cheap
Speaker 2: eats like slash your grocery bill. Yeah, that is absolutely
Speaker 2: what you should be doing in twenty twenty four. But importantly,
Speaker 2: you're not going to get away with pretending that you're
Speaker 2: a habitasherist. Yes, just because you died your shit pink
Speaker 2: does not get you out of giving us a broke
Speaker 2: tip from you. What is the tip that you are
Speaker 2: bringing to the table.
Speaker 5: This I do sometimes like to merge the two, but
Speaker 5: I won't know.
Speaker 2: I've noticed she's lazy. I won't be stingy even on
Speaker 2: her tips. So my broke tip for this week.
Speaker 5: I'm not sure if anyone remembers, but last year I
Speaker 5: did share a tip about the Brunswick Tool Library, which
Speaker 5: is where you like kind of borrow tools and stuff
Speaker 5: you don't have to pay for them. They're very expensive.
Speaker 5: Turns out, so this is in the same vein. So
Speaker 5: some libraries have these things called maker spaces, which is
Speaker 5: where you know, if you want to get into embroidery,
Speaker 5: or sewing or things like that, and you can you know,
Speaker 5: borrow other things like puzzles and games and stuff. But
Speaker 5: these places are dedicated to people who want to learn
Speaker 5: that kind of skill may not have the resources or
Speaker 5: the money to afford to buyos all those things themselves,
Speaker 5: Like you know, the sewing I don't know how much
Speaker 5: a sewing machine is.
Speaker 4: I should so expensive. I looked into it for making
Speaker 4: my outfit and I decided I was going to hands
Speaker 4: because hundreds and hundreds and hundreds of dollars.
Speaker 5: Wow. So that's why things like this are really good,
Speaker 5: and that you know, if you are wanting to monetize
Speaker 5: that skill eventually that could even make you money. But
Speaker 5: let's not get to ahead of ourselves.
Speaker 2: But I think it is a really good way to
Speaker 2: kind of like expand your skill set and maybe learn
Speaker 2: a new skill along the way, but also like do
Speaker 2: something you want for free, like money, and also you
Speaker 2: can use that to tailor your own clothes one day.
Speaker 2: Love it.
Speaker 4: That's such a ga.
Speaker 2: That's genius.
Speaker 4: That's I love it.
Speaker 5: Thank you so much.
Speaker 1: That's me.
Speaker 2: All right, let's go to a really quick break on
Speaker 2: the flip side. We are talking about getting out of
Speaker 2: a rut and still prioritizing future you and you slid
Speaker 2: into our DMS about a topic this week that I
Speaker 2: am genuinely so excited to break down spending money from
Speaker 2: a shared account that you share with your partner.
Speaker 4: I think it's going to be divisive.
Speaker 2: I think it'll be divisive too, because it's not just
Speaker 2: on electricity, you know, So, guys, don't go anywhere.
Speaker 4: Welcome back, everybody. Let's take a listen to the Money
Speaker 4: to Lemmons for this week.
Speaker 2: Hi, there, have you got a money dilemma you just
Speaker 2: can't solve? The Sheese on the Money Team is here
Speaker 2: to help. Every week, we tackle your dilemmas, both big
Speaker 2: and small, to answer your most burning money, career and
Speaker 2: life questions. To get involved, simply head to our website
Speaker 2: and leave us a short voice recording and you might
Speaker 2: just find yourself on the show. Now, let's take a
Speaker 2: listen to this week's money dilemma.
Speaker 6: Hi, love Lies, I'm really hoping you can help me
Speaker 6: make a decision. I am in a rut and I'm
Speaker 6: struggling to change that. I'm in a dead end job,
Speaker 6: I'm goalless and I'm savings less. The only thing I'm
Speaker 6: sure of is that I want to either move and
Speaker 6: make a fresh start, or travel the country for a
Speaker 6: year before settling down somewhere. My options for funding this
Speaker 6: would be to either sell my house or borrow against
Speaker 6: some equity. After paying out my loan, I would have
Speaker 6: approximately three hundred thousand dollars in profit. Alternatively, if I
Speaker 6: keep the houses in investment and rent it out, I
Speaker 6: could use some of the one hundred and ninety thousand
Speaker 6: dollars of equity that has built up. It would be
Speaker 6: very very easy for me to sell up and run away,
Speaker 6: but I'm not sure that that would be the best
Speaker 6: for future me. What do you think would be the
Speaker 6: best move?
Speaker 2: I think this is a really interesting one. There's a
Speaker 2: quote here we go loves a quote. I love a quote,
Speaker 2: Quote scal. I've gone from being twenty twenty three stat
Speaker 2: scout to twenty twenty four quote scale. Wait, you want
Speaker 2: a motivational quote, I've got one for you. But there
Speaker 2: is a quote that basically says, you can run, but
Speaker 2: your problems are going to follow you. And I'm not
Speaker 2: saying that you've got massive problems, but like this idea
Speaker 2: of like, oh, I don't really know what I'm doing,
Speaker 2: but like I should sell up and move completely. I
Speaker 2: would argue, is not the solution that you're looking for.
Speaker 2: It could provide some level of clarity, It could provide
Speaker 2: a different environment for you to you know, get used to.
Speaker 2: But I genuinely think that before you do any of that,
Speaker 2: you should be really sitting down and thinking about or
Speaker 2: I say, you don't have any goals, but like, what
Speaker 2: in my life do I value? What in my life
Speaker 2: am I grateful for? What in my life do I
Speaker 2: you know, feel like I want to change? Or like
Speaker 2: is a little bit stagnant and actually doing some planning
Speaker 2: to understand why you feel this way, because if you
Speaker 2: can't articulate, like I want to run a but I
Speaker 2: don't know why or when or where or how just
Speaker 2: like doing that and making such a big decision. If
Speaker 2: you're saying, look, I could have you know, three hundred
Speaker 2: grand in profit, Well that's great, but like, are you
Speaker 2: planning on just blowing that to have your best life ever?
Speaker 2: Because you feel like running away like that three hundred
Speaker 2: thousand dollars today is worth three hundred grand, but when
Speaker 2: you come to retirement it could be worth millions. Like,
Speaker 2: you know, if we look at your property and you're saying, well,
Speaker 2: there's one hundred and ninety thousand dollars worth of equity,
Speaker 2: Like that's fantastic. Are we putting future us first by
Speaker 2: actually making the decisions that you're making. Should we be
Speaker 2: looking at you know, rening it out, maybe using some
Speaker 2: of that rental income to like, you know, go on
Speaker 2: a big europe trip because you do want to get
Speaker 2: away and want to experience some new things and then
Speaker 2: coming back. I'm not saying you can't move or change,
Speaker 2: but like, those are big decisions that are going to
Speaker 2: have really big grammifications on your future financial well being.
Speaker 2: And I just go, hmm, I wouldn't be so quick
Speaker 2: to jump into that. You ever felt like running away?
Speaker 5: Yeah, all the time. I literally ran away from Sydney
Speaker 5: to Melbourne and it was the best decision ever.
Speaker 2: But yeah, because you see it now, we get it,
Speaker 2: don't This is the thing and this.
Speaker 5: Is not really it's obviously not financial advice, but this
Speaker 5: is more life advice.
Speaker 1: None of it is.
Speaker 2: I think this is a life advice segment.
Speaker 5: Now probably a life advice situation. But for me, take
Speaker 5: for example, you know, I've always been in entry level jobs,
Speaker 5: literally this time. Two years ago, I was working in
Speaker 5: a warehouses, a pickpacker, and I decided I got saying
Speaker 5: no no, wait no, was.
Speaker 2: Like five years ago. Bars down, I mean no statement,
Speaker 2: statement retracted. Then she came to work at She's on
Speaker 2: the money. I see it, fabe. I think that the
Speaker 2: side like packages. You guys said that you worked with
Speaker 2: packages match she liked ours. That's anyway. I did impact
Speaker 2: like your package. But no.
Speaker 5: So one thing that I told myself because I was
Speaker 5: obviously like, you know, it was twenty nine thirty, that's
Speaker 5: not old by any means, but I was like, I
Speaker 5: should probably do something. I decided to really look at life.
Speaker 5: Instead of being halfway up or a little bit up
Speaker 5: a ladder, I don't want to climb. I decided to
Speaker 5: start at the bottom of a ladder. I wanted to climb,
Speaker 5: which is new ladder, which is you know, I started
Speaker 5: on reception here, and that's like just starting at the
Speaker 5: very and you killed it of a ladder. You want
Speaker 5: to climb, and even that kind of brings you the
Speaker 5: happiness or the satisfaction you kind of want. Knowing that
Speaker 5: you're in a dead end job. This is a job
Speaker 5: that will eventually lead something that you want to do,
Speaker 5: but also move if you want to. But just keep
Speaker 5: that in mind. Start like, just climb a ladder you
Speaker 5: want to climb, even if it's at the very very
Speaker 5: very bottom of it, and trying to make that work.
Speaker 4: That's very poetic.
Speaker 2: You're trying from home, just gorchi. No, I think it's
Speaker 2: got a really nice house. That makes sense.
Speaker 4: Well, there's a few holes in the roof of the
Speaker 4: bad that's true.
Speaker 5: Yeah, right.
Speaker 4: I think I would say that you don't have to
Speaker 4: make that big of a decision all at once, like
Speaker 4: a lot of.
Speaker 2: A decision to make. That's why I'm like, we thought
Speaker 2: about this.
Speaker 4: Yeah, I think I know that I'm very risk ad first,
Speaker 4: and there are certainly people out there who really push
Speaker 4: the make the change, do the big thing. Don't wait
Speaker 4: for the day, just as like instead of tea in
Speaker 4: the morning, track offe. No, but if you're craving, if
Speaker 4: you want to go somewhere, like you said, take a
Speaker 4: short trip rather than moving. If you think that you
Speaker 4: want to change careers, maybe dabble by doing something on
Speaker 4: the side or I just I don't think you have
Speaker 4: to be all in or all out, especially if it's
Speaker 4: a decision like this one that has potentially astronomical implications
Speaker 4: on your financial future, like selling a house, selling investment propers.
Speaker 2: And there's no guarantee you're going to be happy at
Speaker 2: the other end because you don't deeply.
Speaker 4: Know who, because you don't have the clarity. So I
Speaker 4: think maybe before you make a decision, as you were saying,
Speaker 4: sit down, assess what you want, do a bit of
Speaker 4: internal work. You can try things before you go. I
Speaker 4: was going to say balls deep but not very unbranded.
Speaker 2: That's okay. It goes with me saying that I hired
Speaker 2: you because I like your packages. That's true.
Speaker 4: So you know, I think try things or find ways
Speaker 4: to expect if you want to change, make a change.
Speaker 4: Like I'm not saying keep doing the same thing, but
Speaker 4: maybe just in small ways first, so that maybe you
Speaker 4: try something you're oh, actually hate that, don't want that.
Speaker 4: Imagine if I'd gone all in on that terrible So
Speaker 4: you can you know, maybe you'll find something that you
Speaker 4: didn't think that you would want that you do to
Speaker 4: make sense.
Speaker 2: No, I totally agree with that, and I think that's
Speaker 2: where I was like, oh, like running away from your
Speaker 2: problems doesn't actually solve your problems, and while your problems
Speaker 2: might not be like you know, these big dramatic things,
Speaker 2: they don't have to be if you deeply haven't sat
Speaker 2: down and thought about like, well, who am I? What
Speaker 2: do I value about myself? What do I value about
Speaker 2: my lifestyle? Like if you've sat down and been like, look,
Speaker 2: I really value my freedom, my flexibility. I hate cold weather,
Speaker 2: I don't like this, I don't like that. I do
Speaker 2: love this, I do love that, And you go, I'm
Speaker 2: not running away, but I would live my best life
Speaker 2: if I moved to Bali. And you've got clarity on
Speaker 2: the fact that you know that's a good decision for
Speaker 2: you because you've written down why that makes sense.
Speaker 1: Go for it.
Speaker 2: I'm not going to stop you, but I do think
Speaker 2: we need to be going. Actually, let's put the brakes
Speaker 2: on this because you're like, I don't have any goals,
Speaker 2: I don't have any aspirations. I don't know what I'm doing. Like, okay, well,
Speaker 2: let's just press pause and understand who we are. You
Speaker 2: don't have to have this big laundry list of goals.
Speaker 2: And as much as I'm a goal setting girly like
Speaker 2: adore It even released an entire online course on proper
Speaker 2: goal setting, Right, you don't have to have goals in
Speaker 2: mind to start that process and go, well, actually, what
Speaker 2: is it going to take for me to live my
Speaker 2: best life?
Speaker 4: Like what do I like?
Speaker 1: You know?
Speaker 2: And Beck and I might write these lists and they're
Speaker 2: going to be so wildly different, and that's a good thing,
Speaker 2: but it gives us clarity and well, what SPEC's next step?
Speaker 2: Like she knows she wants to be in media, she
Speaker 2: knows she likes this type of lifestyle, and you know,
Speaker 2: being in this area, and you know I'm having a baby,
Speaker 2: Like these things are so different that you just really
Speaker 2: need to step back and go Actually, as much as
Speaker 2: I feel a little bit aimless, let's just have a look.
Speaker 2: Because I can almost guarantee if I did the same
Speaker 2: to Jess and you were saying this, I'd be like,
Speaker 2: well do you like this or that? And you'd be like, oh,
Speaker 2: I don't like that, and you can start learning, Oh
Speaker 2: maybe that's not the root. This is the root. But
Speaker 2: just by jumping into one thing, it's not going to
Speaker 2: solve it. I promise it's not going to solve it.
Speaker 2: In fact, you might end up regretting it.
Speaker 4: Come back and update us in a year on what
Speaker 4: you decide and we.
Speaker 2: Set your goals. Go sit down and actually write down
Speaker 2: what you enjoy about life, what you want, more of,
Speaker 2: what you want, less of, what you want to keep
Speaker 2: on doing. I think it's important totally.
Speaker 4: Can you tell us about the DM?
Speaker 1: Yeah?
Speaker 4: Please?
Speaker 2: All right, I'm ready to share with you the DM
Speaker 2: that I posted publicly on our stories earlier this week.
Speaker 5: But I've not read that.
Speaker 2: You definitely have not read already because stay away from
Speaker 2: our socials. All right, So here's the DM. Hey, ladies,
Speaker 2: I need some advice. My partner checked our joint bank
Speaker 2: account and saw my orders from the Iconic. I probably
Speaker 2: had about five different orders totally around seven hundred and
Speaker 2: fifty dollars. He's cracked it at me and hasn't spoken
Speaker 2: to me in over a day. That's really true, because
Speaker 2: he's so angry, yelling at me and saying it's a
Speaker 2: waste of money and I shouldn't have put it on
Speaker 2: our card. I feel like I should be able to
Speaker 2: spend my money without getting in trouble and made it
Speaker 2: feel bad, And now I'm thinking I shouldn't have a
Speaker 2: joint account with him if this is how he reacts
Speaker 2: I'm not sure if I'm in the wrong or not
Speaker 2: for putting this on our card. It didn't feel like
Speaker 2: it at the time, but he's now made me feel
Speaker 2: like it was a terrible thing to do and I've
Speaker 2: betrayed his trust. What do you think?
Speaker 4: I feel like I'm gonna have a different opinion to
Speaker 4: both you. So I almost want to go last.
Speaker 2: Okay, No, I want you to go first.
Speaker 5: M okay, okay. I need a some much more context
Speaker 5: because I want to know if that joint account is
Speaker 5: strictly for bills or rent.
Speaker 2: Oh yeah, because if you're doing that, that to me
Speaker 2: is a no no and what are you doing?
Speaker 5: It's subjectively bad, that is not what it is for.
Speaker 5: If it's just like the for like you guys put
Speaker 5: all your your pay both your pays in, then yes,
Speaker 5: spend whatever you want on whatever you want.
Speaker 2: Whatever you want.
Speaker 5: Well, I just this is why I was thinking, are
Speaker 5: you saving for something? Like? Is there a joint goal
Speaker 5: in mind? And you've decided to only spend x amount
Speaker 5: on your own things? I don't know, Like I know,
Speaker 5: you know, you know, but you don't know. But when
Speaker 5: you don't know what, you don't know exactly. So Basically,
Speaker 5: what I'm going to say is this, if it is
Speaker 5: her own money and they haven't decided to try and
Speaker 5: save together X amount per week, she's spending her own
Speaker 5: money that she made herself. Go for it. That's absolutely
Speaker 5: your prerogative, and I don't see anything wrong here. But
Speaker 5: if it's a joint account for bills and et cetera
Speaker 5: and the like, you can't buy stuff from the iconing
Speaker 5: from that account, is my thinking.
Speaker 4: Yeah, so that's me, Jess.
Speaker 2: You have to go, you have to go.
Speaker 1: Now.
Speaker 4: See this. I think this is why I will never
Speaker 4: fully ever share my finances, because I'm imagining that she
Speaker 4: and her partner just have one shared bank account, perhaps
Speaker 4: that everyone's money goes into that bank account. Everything is
Speaker 4: debeted out of that bank account. I personally think if
Speaker 4: that is the case, seven hundred fifty dollars is a
Speaker 4: lot of money. I think that's a conversation that she'd
Speaker 4: been had because if my partner and I were in
Speaker 4: the same situation he spent seven hundred fift dollars on
Speaker 4: I don't know, a video game.
Speaker 2: I would be lack excuse me, or what the hell?
Speaker 4: I would be taken aback because in my mind, a
Speaker 4: significant purchase with shared funds is something that should be discussed.
Speaker 4: You know, what is significant is up for debate and
Speaker 4: personal to everybody. I actually think she should have said something.
Speaker 4: The way that I imagine that I would work around this,
Speaker 4: or the way that we currently manage our finances, and
Speaker 4: I don't think I ever would change, is that independent
Speaker 4: money is independent. So if you are both earning fifty
Speaker 4: thousand dollars and you put X amount into an account
Speaker 4: every week and that's your shared fund that you use
Speaker 4: for joint purchases, for date nights, for a wedding or
Speaker 4: a holiday, or your bills or whatever, those are shared funds.
Speaker 4: But I think that it's really important that people are
Speaker 4: able to spend their money however they want. But I
Speaker 4: also think that maybe to make it equal or equitable,
Speaker 4: you should have that money.
Speaker 2: Allocated to you.
Speaker 4: I don't know, it's like each month we both get
Speaker 4: a thousand dollars to blow on whatever we want, or
Speaker 4: five hundred dollars or whatever it is. But I just
Speaker 4: think that if it's joint money and you're making it
Speaker 4: be purchase, it's something that should have been discussed. Because
Speaker 4: obviously he was taken aback I do not at all
Speaker 4: condone the way that he has approached that with you.
Speaker 4: That feels I feel like that's a different story. I
Speaker 4: feel very displeased with the way that he has treated you.
Speaker 2: I feel very displeased. Yeah, I'm sorry. Are we living
Speaker 2: in nineteen ninety four? Like, is the silent treatment still
Speaker 2: something that you give? Where are your words?
Speaker 1: Sir?
Speaker 2: You are an adult.
Speaker 4: To blow up and be angry, I think is not
Speaker 4: the appropriate way to handle it. But I think it
Speaker 4: signifies that that is not something that he thought you
Speaker 4: guys would and so you're not on the same page there,
Speaker 4: so you need to get on the same page.
Speaker 2: I want to know how long they've had that joint
Speaker 2: account and.
Speaker 4: What the discussion was around what it is, because my
Speaker 4: partner and I have a shared account, but it is
Speaker 4: purely like grocery funds and like bill funds.
Speaker 2: How would you deal if James you were going through
Speaker 2: the banking saw like James had spent five hundred bucks
Speaker 2: out of your joint account.
Speaker 4: I literally would be like what is this for?
Speaker 2: Yeah, but you would question it first absolutely being like
Speaker 2: what the hell? That was a waste of money?
Speaker 1: No?
Speaker 2: Yeah, okay.
Speaker 4: It would be like if you want to buy something,
Speaker 4: you buy it with your money, like instantly, I spend.
Speaker 4: You know, we've said before I earn my partner, I
Speaker 4: definitely have spent big dog bit. I definitely spend more
Speaker 4: discretionally than he does because I have the funds to
Speaker 4: do so. But that it's never you know, the detriment
Speaker 4: of our shared goals or of our you know, shared.
Speaker 2: Yeah, of course, because you've already put that money into
Speaker 2: savings or the investments or whatever. Yeah.
Speaker 4: So I think it really depends on what the conversation
Speaker 4: was around how those as you were saying, how those
Speaker 4: funds will be managed. Yes, but yeah, controversial, I think,
Speaker 4: because I think most people are going to be like,
Speaker 4: it's your money, girl, spender how you want.
Speaker 2: I don't think it is. Sorry, I can definitely agree
Speaker 2: that if that is the I guess those are the
Speaker 2: guidelines of the account when it was set up. Like
Speaker 2: if your partner Jess went and spent money from that
Speaker 2: account and you told me, I'd be like, well, that's
Speaker 2: actually unacceptable. Where do you get that audacity from? Like
Speaker 2: what's going on? And he might turn around and be like,
Speaker 2: oh my god, Jess. When I went to pay, I
Speaker 2: pulled out the wrong card, sorry, and the like. It
Speaker 2: all fixes itself up, but it's all good to go.
Speaker 2: But I'm assuming you both when you got that joint account,
Speaker 2: had to chat, right, and you said, we're going to
Speaker 2: get a joint account. We're going to put X amount
Speaker 2: in it together, and it's for ABC and D right. Yeah,
Speaker 2: so that's the breadth, and I guess the boundaries of
Speaker 2: that account. Now, if we look at how I manage
Speaker 2: money in my relationship, I don't have my own money
Speaker 2: and Steve does not have his own money. Both of
Speaker 2: our incomes going to one one pool, and that's our money,
Speaker 2: and it doesn't matter if one of us earns double
Speaker 2: then the other. It's just it's our money across the board.
Speaker 2: And from that money, we pay our mortgage, we pay
Speaker 2: our bills, you know, we pay for Lucy like we
Speaker 2: actually have debit cards to the same accounts. So if
Speaker 2: we looked at this situation and it was reversed and
Speaker 2: it said, hey, Victoria spent seven hundred and fifty dollars
Speaker 2: from our joint account, well yeah, actually, because that's my
Speaker 2: only location of where I do spending from. We don't
Speaker 2: have our own money accounts where we make I guess
Speaker 2: individual purchases. We do have our own emergency funds, but
Speaker 2: neither of us touch that amount of money. But we
Speaker 2: have like a debit card that I use that connects
Speaker 2: to the same account and vice versa with Steve. However,
Speaker 2: I would never purchase something that is I would say,
Speaker 2: like above one hundred dollars that was a personal purchase
Speaker 2: without talking to my husband, and I'm not asking him
Speaker 2: for permission, Like I want to be really clear that,
Speaker 2: like I'll go buy a dress and I might not
Speaker 2: mention it, but both of us do that within reason.
Speaker 2: So if I've gone and spent like one hundred bucks
Speaker 2: on a new dress, I did, I'm wearing it right now.
Speaker 2: I bought it a Country Road. It was one hundred
Speaker 2: nineteen dollars on sale, and I was really excited about it.
Speaker 2: I didn't call my husband for permission. Yeah, I was like, well,
Speaker 2: I'm going to buy myself a new dress.
Speaker 1: That's great.
Speaker 2: I know we've got the money. I know it's in
Speaker 2: our budget for me to buy clothes and stuff. Yeah,
Speaker 2: seven hundred and fifty dollars to meet is a very
Speaker 2: different situation, like I would be and we're not talking
Speaker 2: about permission here, but I would be very uncomfortable going
Speaker 2: and spending that amount of money without giving my husband
Speaker 2: a heads up, being like, hey, there's a whole heap
Speaker 2: of stuff on sale on the Iconic, do you reckon?
Speaker 2: I can just put through a big bowl corder and
Speaker 2: it not matter. And like I'm not saying not matter,
Speaker 2: but like not matter to him. Like we have everything
Speaker 2: allocated though so liked I do my budget and cash
Speaker 2: flow system and you know, as I have explained before,
Speaker 2: everything goes into the one account, but it's all automated.
Speaker 2: It goes to our mortgaget, goes to our savings and
Speaker 2: our investments, and we have, you know, different amounts for
Speaker 2: different things. We used to have our own spending accounts,
Speaker 2: and it just got a little bit too messy because
Speaker 2: I was doing most of you know, one thing and
Speaker 2: he was doing something else, and then it swaps and
Speaker 2: it just became honestly messy. So this is now what's
Speaker 2: currently working for us, But I am acutely aware that
Speaker 2: that does not work for a lot of other people.
Speaker 2: And I'm also speaking from i would say, a place
Speaker 2: of very very high privilege, because let's be very blunt,
Speaker 2: I'm not an average income earner. We do have a
Speaker 2: bit more disposable income, so that if I buy one
Speaker 2: hundred and twenty dollar dress, my husband's not mad at
Speaker 2: me because that was eating into the grocery bills.
Speaker 4: Yea, I do have budget that you brought up just before,
Speaker 4: that is overlaid over generally shared account right like that
Speaker 4: for us, it's allocated to bills and groceries. You for
Speaker 4: someone else, they might have their discretionary spending included in that.
Speaker 4: But it sounds like our listener they either have a
Speaker 4: budget allocated and her spending has gone over that and
Speaker 4: maybe that's why he's upset, or they haven't spoken about
Speaker 4: the breakdown, and so.
Speaker 2: That's what boundaries were in place. Yes, I would take
Speaker 2: a step back and be like, all right, let's put
Speaker 2: this seven hundred and fifty dollars expense to the side
Speaker 2: and let's have an adult conversation where we don't ignore
Speaker 2: each other. Yes, and go, actually, what did you think
Speaker 2: the boundaries on this account was? Ah, they're different to
Speaker 2: what I thought they were. I thought that it was
Speaker 2: just our money and we could spend it however we want.
Speaker 2: Maybe you're in the situation where you don't actually have
Speaker 2: a very good budget at the moment, so you're not
Speaker 2: actually allocating money for rent and allocating you just have
Speaker 2: a big pool of cash and you just thought it
Speaker 2: didn't matter, when in reality your partner's freaking out because
Speaker 2: they know Regroe's due next month and they're like, what
Speaker 2: are you doing taking that out of there? Like, we've
Speaker 2: got a big expense coming up. So I think for me,
Speaker 2: my budget and cash flow system works really well because
Speaker 2: we are so structured. In the background. I know I
Speaker 2: have this written, Jess. I know you're exactly the same
Speaker 2: because we budget very similarly. We literally use the same
Speaker 2: product it's my product law. But we know what's coming up,
Speaker 2: we know what's there and what we can and can't spends,
Speaker 2: And inherently I have in the back of my head
Speaker 2: if I'm going to go spend that one twenty ondred dress,
Speaker 2: I know it's not impactful because I've actually already allocated everything.
Speaker 2: And my husband is across the same budget. We're on
Speaker 2: exactly the same Paige, So if he's spending money from
Speaker 2: our account, he knows it's okay because he's very aware
Speaker 2: of what else is being paid. But it just sounds
Speaker 2: like you are not aware of the boundaries that have
Speaker 2: been put in place for this account. You need to
Speaker 2: talk about that. And often having more structure is actually
Speaker 2: going to be better. And yeah, put you in a
Speaker 2: situation where you've got more success because there's.
Speaker 4: No right or wrong, like we do it completely different ways.
Speaker 2: Yeah, and that works. And pragmatically, we could wipe this
Speaker 2: whole conversation off the table and be like, oh, yes,
Speaker 2: how do you budget? And you go, oh, I use
Speaker 2: the sheese on the Money masterclass and I'll be like, yeah, same.
Speaker 2: Do you have joint account with your partner?
Speaker 1: Yes?
Speaker 2: Oh, me too. And you might assume that our banking
Speaker 2: systems are very similar because you just ticked two really
Speaker 2: big boxes about how we budget and then also how
Speaker 2: we view joint accounts and the reality years it couldn't
Speaker 2: be more different. We did ask the community a couple
Speaker 2: of questions.
Speaker 4: Are you ready?
Speaker 2: So we said, do you have a joint account with
Speaker 2: your partner? Sixty five percent of you said yes, which
Speaker 2: I was impressed with because I thought it would be less. Yeah,
Speaker 2: that is a lot. We said, if yes, if your
Speaker 2: partner put personal expenses on the joint account without telling you,
Speaker 2: would you be angry? Twenty one percent of you said yep, definitely,
Speaker 2: sixty seven percent said, well, it depends how much money
Speaker 2: it was, and twelve percent of you said, wouldn't care.
Speaker 2: I think it's fine to do.
Speaker 1: So.
Speaker 2: The overlay of that would be the boundaries of the account. Again,
Speaker 2: it's pretty sure the people saying I wouldn't care, I
Speaker 2: think that's fine, their boundary would be that that is
Speaker 2: also for personal spending. Yeah. Whereas if I say to
Speaker 2: my partner or you know, back when Steve was my
Speaker 2: boyfriend and we had a joint account together, it was
Speaker 2: literally for rent and groceries and electricity bills, pit spent
Speaker 2: from that, I think I would have flipped it. I
Speaker 2: would have been like, what are you doing sir? Yes,
Speaker 2: So context is everything. We then asked, is your joint
Speaker 2: account only used for shared costs such as rent bills, groceries,
Speaker 2: holidays together, et cetera. Seventy one percent said yep, it's
Speaker 2: only for shared cost and then twenty nine percent said no,
Speaker 2: we put personal costs in there as well. That is
Speaker 2: the context we need about your account. Yes, definitely. We
Speaker 2: then said, do you have some guidelines with your partner
Speaker 2: on how and what those shared accounts are used? For
Speaker 2: seventy three percent said yep, we set these when we
Speaker 2: got the account. Is I'm assuming not what our DM
Speaker 2: message I did? And twenty seven percent said, no, we
Speaker 2: really relaxed and just go with whatever goes on. Just
Speaker 2: turn right now, that would never go like that would
Speaker 2: never work for just absolutely not absolutely, Like this woman
Speaker 2: uses up bank right, and the reason she's so in
Speaker 2: love with our bank, apart from the fact that it's
Speaker 2: just a good banking system, right, she can have savers
Speaker 2: for everything? How many savers if you currently got just cook,
Speaker 2: I think I have.
Speaker 4: Like sixteen or something.
Speaker 2: Yeah, sixteen different savings accounts that she just like breaks
Speaker 2: down the truly everything. And I look at her and
Speaker 2: I'm like, I am a legit ex financial advisor, and
Speaker 2: I could never it's perfectly I.
Speaker 3: Mean perfectly sounds like cottious.
Speaker 4: You have a fun for everything, so I know exactly
Speaker 4: what I can spend on clothes, exactly what I can
Speaker 4: spend on beauty.
Speaker 1: I like that.
Speaker 4: It just wakes up. But again it's so personal, right,
Speaker 4: Like I.
Speaker 2: Love paying together, Like I've got like a little budget
Speaker 2: for like clothes and beauty and discretionary items, and if
Speaker 2: I spent it all on beauty while I don't get
Speaker 2: any clothes, whereas just as like no, I need balance.
Speaker 4: I separated. Yeah, I separated out even further.
Speaker 5: That's incredible.
Speaker 2: So we then went to the community and said, what
Speaker 2: is your two cents and similar reactions to us? So
Speaker 2: what is wrong with him and his reaction? Why it's
Speaker 2: so intense? I think you need to have a deep conversation.
Speaker 2: Someone else said, I think what he's more upset about
Speaker 2: here is a lack of communication. Communication is key. Someone said,
Speaker 2: you both should still get discretionary spending in your own accounts,
Speaker 2: which is fair, but we're talking about a joint account.
Speaker 2: A heap of you actually DMed and said we gott
Speaker 2: to need more context here, and I'm like, sorry, sis,
Speaker 2: we weren't provided with that context. And that's half the
Speaker 2: fun of these dms. We can assume someone else said,
Speaker 2: I'd rather him put it on the joint account than
Speaker 2: keep his spending.
Speaker 4: A secret interesting way to it.
Speaker 2: Yeah, okay, and I mean that makes sense. But like
Speaker 2: in your situation, Jess, it's very clear that your money's
Speaker 2: your money and your partner's money is your partner's money,
Speaker 2: and you split it however you've decided to split it. Yeah, Like,
Speaker 2: I don't know if in your situation you'd be that
Speaker 2: happy with your partner critiquing what you're spending and him
Speaker 2: being like, oh, well, you do spend more than me.
Speaker 4: That's not the point, which is why I like personally,
Speaker 4: for me and my situation, I like the idea of
Speaker 4: having your own separate spending account because it does take
Speaker 4: out that need to answer to somebody. You go, yeah, okay, whatever,
Speaker 4: you know, I've worked out from my budget and you've
Speaker 4: worked out from your budget that we have to spend independently.
Speaker 4: We spend independently and you don't answer to anybody. It's
Speaker 4: kind of like we're both adults. Spend it how you want. Like,
Speaker 4: if you want to spy five hundred chocolate eggs because
Speaker 4: they're already out, you go like, girl, buy yourself some
Speaker 4: cabridery milk eggs. Can you tell what I'm thinking about doing?
Speaker 5: A life?
Speaker 3: I am living?
Speaker 5: About them?
Speaker 2: Living is so hard because complete side note. I was
Speaker 2: in the supermarket the other day with my husband and
Speaker 2: he looked at the Easter installation and he was like,
Speaker 2: didn't we have Christmas yesterday? And I said, yeah, we did.
Speaker 2: And he looked at me dead in the eyes and said,
Speaker 2: Jessel love.
Speaker 4: This, And I was like, he knows me so well.
Speaker 2: I was like, yeah, she will. But that's also really funny.
Speaker 2: It's very clear back to our DM two senses. Someone
Speaker 2: said anything over one hundred dollars being purchased has to
Speaker 2: be discussed in our house, which I think is very
Speaker 2: very fair. Someone did a whole heap of red flag
Speaker 2: emojis and said, the delivery, it's a conversation. Sorry he
Speaker 2: approached it that way, Yeah, manchild, I was like, the
Speaker 2: delivery was not good. Yes, his reaction is immature, but
Speaker 2: this actually should have been a conversation before spending, irrespective
Speaker 2: of how he responded. Yeah, So, like, I know he
Speaker 2: responded incorrectly. I think we can all agree on that. Yes,
Speaker 2: but like, at the end of the day, seven hundred
Speaker 2: and fifty dollars is a lot of money. That is
Speaker 2: a lot. It is like, it is a lot of
Speaker 2: money in general to have in your account. It is
Speaker 2: a lot of money to then say I spent that
Speaker 2: on the iconic Yeah, so lightly. I don't know if
Speaker 2: my husband did that or I did that. I kind
Speaker 2: of expect my husband to be like, well, what is
Speaker 2: this yeah, and ask me, because that's a bit rogue,
Speaker 2: especially without a discussion.
Speaker 5: Oh sorry, I was just trying to calculate the shot back.
Speaker 4: If it was upsized, it could be twenty percent, but
Speaker 4: sometimes it's not upsized right now, so I wouldn't have
Speaker 4: ordered anyway. Yeah.
Speaker 5: Yeah, if you've spent that when it was upsides whatever
Speaker 5: that's called. I haven't experienced it yet, but yeah, so
Speaker 5: it'd be so mad.
Speaker 2: So I think the TLDR of all of this is
Speaker 2: it's time to discuss the terms and conditions of your
Speaker 2: joint account together. Set some boundaries, keep some boundaries, and
Speaker 2: understand what that actually looks like, and have an honest
Speaker 2: adult conversation about it. Because even when we do stuff
Speaker 2: like this, like if it was the right thing to
Speaker 2: do ultimately, or even if it was the wrong thing
Speaker 2: to do ultimately, these conversations around money should always be respectful,
Speaker 2: and I think that that's the only way we can
Speaker 2: move forward. So it just sounds like there's a few
Speaker 2: things going on, agreed myself. We're all done here, my love,
Speaker 2: so have the best weekend. I'm excited because money diaries
Speaker 2: are back on Monday, so we will see you then.
Speaker 2: Until then, enjoy your weekend. My loves, we love you.
Speaker 5: Bye guys.
Speaker 2: Bye. The advice shared on She's on the Money is
Speaker 2: general in nature and does not consider your individual circumstances.
Speaker 2: She's on the Money exists purely for educational purposes and
Speaker 2: should not be relied upon to make an investment or
Speaker 2: financial decision. If you do choose to buy a financial product,
Speaker 2: read the PDS TMD and obtain appropriate financial advice tailored
Speaker 2: towards your needs. Victoria Divine and Sheese on the Money
Speaker 2: are authorized representatives of Money. Sheper p T Y L
Speaker 2: t D A B N three two one six four
Speaker 2: nine two seven seven zero eight A F s L
Speaker 2: four five one two eight nine