1 00:00:00,200 --> 00:00:03,240 Speaker 1: My name's Tatasha Bamblet. I'm a proud First Nations woman 2 00:00:03,600 --> 00:00:08,559 Speaker 1: and I'm here to acknowledge country. Te Glenn youan Ganya, Niana, 3 00:00:08,680 --> 00:00:11,920 Speaker 1: Kaka yah y and Binahaka Nian our guy in Mbini, 4 00:00:11,960 --> 00:00:17,160 Speaker 1: yakarum Jar, Dominyamiga Umaga, Ihowaka, Nilewaman damon Immlan Bumba bang 5 00:00:17,160 --> 00:00:22,439 Speaker 1: gadabama In and now in Waka Ghana and yakarum Jar Watanadaa. Hello, 6 00:00:22,480 --> 00:00:25,880 Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people. 7 00:00:26,360 --> 00:00:29,080 Speaker 1: We thank acknowledge and respect the Abiginal people's land that 8 00:00:29,120 --> 00:00:31,880 Speaker 1: we're gathering on today. Take pleasure in all the land 9 00:00:32,080 --> 00:00:35,320 Speaker 1: and respect all that you see. She's on the Money 10 00:00:35,360 --> 00:00:41,960 Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools, 11 00:00:42,400 --> 00:00:44,560 Speaker 1: knowledge and resources for you to thrive. 12 00:00:45,080 --> 00:00:46,800 Speaker 2: She's on the Money. 13 00:00:47,040 --> 00:00:52,680 Speaker 3: She's on the Money. Hello, and welcome to She's on 14 00:00:52,760 --> 00:00:55,200 Speaker 3: the Money, the podcast that lets you be pavy about 15 00:00:55,240 --> 00:00:59,200 Speaker 3: other people's money stories for educational purposes, of course. Welcome 16 00:00:59,280 --> 00:01:01,400 Speaker 3: back to another one one of our money diaries, brought 17 00:01:01,440 --> 00:01:03,680 Speaker 3: to you by our friends at Sky Wealth, where I 18 00:01:03,800 --> 00:01:06,360 Speaker 3: get the absolute privilege of sitting down with one of 19 00:01:06,440 --> 00:01:09,520 Speaker 3: our incredible Shees on the Money community members and talking 20 00:01:09,560 --> 00:01:12,360 Speaker 3: to them all about their journey. Let's jump straight into it, 21 00:01:12,440 --> 00:01:15,280 Speaker 3: because this week I got a message and it sounded 22 00:01:15,440 --> 00:01:19,119 Speaker 3: exactly like this high She's on the Money. After hearing 23 00:01:19,319 --> 00:01:22,120 Speaker 3: countless discussions from the She's on the Money team, my 24 00:01:22,240 --> 00:01:25,600 Speaker 3: husband and I finally decided to get our insurances assessed 25 00:01:25,840 --> 00:01:29,360 Speaker 3: and updated through sky Wealth. Our policies were set up 26 00:01:29,400 --> 00:01:31,960 Speaker 3: in late twenty twenty two, and a little over twelve 27 00:01:32,040 --> 00:01:34,760 Speaker 3: months after setting it up, it was discovered that my 28 00:01:34,920 --> 00:01:39,840 Speaker 3: husband had early stage renal cancer. Approximately eighteen months after 29 00:01:39,959 --> 00:01:42,400 Speaker 3: our policies were set up, he was approved for a 30 00:01:42,600 --> 00:01:46,600 Speaker 3: full trauma payout. Sky Wealth were phenomenal, not only in 31 00:01:46,840 --> 00:01:50,560 Speaker 3: initial setup but throughout the whole claims process. I now 32 00:01:50,680 --> 00:01:55,880 Speaker 3: recommend personal insurances to absolutely everyone. Also, my husband is 33 00:01:55,920 --> 00:02:00,640 Speaker 3: now cancer free and doing very well. Money Diarist, What 34 00:02:00,920 --> 00:02:02,720 Speaker 3: a stressful thing to go through. 35 00:02:03,320 --> 00:02:06,320 Speaker 2: Yeah, yeah, it was. It was a lot of waiting, 36 00:02:06,680 --> 00:02:09,720 Speaker 2: a lot of limbo for about six months. But we're 37 00:02:09,760 --> 00:02:12,080 Speaker 2: out the other side. We're really lucky how it was caught. 38 00:02:12,200 --> 00:02:15,800 Speaker 2: It was very early, very treatable, and he's doing great now. 39 00:02:15,960 --> 00:02:17,960 Speaker 3: Oh my goodness. All right, I'm going to dive straight 40 00:02:18,000 --> 00:02:20,280 Speaker 3: into the questions because I'm going to come back to that. 41 00:02:20,480 --> 00:02:23,280 Speaker 3: I just have a lot of questions. But if I 42 00:02:23,480 --> 00:02:25,640 Speaker 3: was to ask you to give yourself a money grade 43 00:02:25,720 --> 00:02:27,959 Speaker 3: from A through to F, what would that grade be. 44 00:02:28,400 --> 00:02:30,560 Speaker 2: I we put myself at about a B. I love 45 00:02:30,639 --> 00:02:32,320 Speaker 2: that and a lot better than I used to be. 46 00:02:33,080 --> 00:02:34,200 Speaker 2: There's still a lot of improvement. 47 00:02:34,320 --> 00:02:37,839 Speaker 3: Okay, let's dive a little bit further in my favorite question, 48 00:02:38,000 --> 00:02:39,160 Speaker 3: but I don't know if it's going to be my 49 00:02:39,240 --> 00:02:41,320 Speaker 3: favorite question this time is can you tell me a 50 00:02:41,400 --> 00:02:44,240 Speaker 3: little bit more about your money story and about your 51 00:02:44,320 --> 00:02:47,880 Speaker 3: husband's diagnosis and everything that went on, because not only 52 00:02:47,960 --> 00:02:51,040 Speaker 3: does that feel like it was really stressful, but you 53 00:02:51,160 --> 00:02:52,040 Speaker 3: guys are quite young. 54 00:02:52,520 --> 00:02:54,520 Speaker 2: Yeah. So we've been together a long time. We got 55 00:02:54,560 --> 00:02:57,040 Speaker 2: together when I was seventeen, he was just turned eighteen. 56 00:02:57,360 --> 00:03:01,200 Speaker 3: Just babies, Yeah, yeah, So most of our. 57 00:03:01,120 --> 00:03:03,880 Speaker 2: Money stories together. We earned money and we spent it. 58 00:03:04,000 --> 00:03:05,560 Speaker 2: We never really thought about it. We did what we 59 00:03:05,639 --> 00:03:09,040 Speaker 2: wanted to do. We traveled, we had fun, and then 60 00:03:09,520 --> 00:03:12,880 Speaker 2: about five years ago COVID hit Couldn't Travel. I found 61 00:03:12,919 --> 00:03:15,440 Speaker 2: your podcast and actually started thinking, well, we might need 62 00:03:15,480 --> 00:03:19,120 Speaker 2: to do something with our future. So I binged the 63 00:03:19,200 --> 00:03:20,239 Speaker 2: heck out of your podcast. 64 00:03:20,480 --> 00:03:20,919 Speaker 3: I love this. 65 00:03:21,400 --> 00:03:23,440 Speaker 2: My millennial Money also got to be a run as well. 66 00:03:23,560 --> 00:03:26,440 Speaker 3: Good good, We love Glenn, we love diversity of opinion. 67 00:03:26,600 --> 00:03:29,280 Speaker 3: And I cannot say this enough, like, listen to all 68 00:03:29,400 --> 00:03:32,480 Speaker 3: of the money podcasts, not just my little Colt. Like 69 00:03:32,680 --> 00:03:34,720 Speaker 3: all of them because there might be something that they 70 00:03:34,800 --> 00:03:36,840 Speaker 3: say that resonates better. And I don't care as long 71 00:03:36,840 --> 00:03:38,720 Speaker 3: as you're in a better position ten out of ten. 72 00:03:39,120 --> 00:03:42,400 Speaker 2: Absolutely, But when you're listening to repeat podcasts with Phil, 73 00:03:42,920 --> 00:03:45,880 Speaker 2: you're like, I need to do that now. So I did. 74 00:03:46,040 --> 00:03:48,600 Speaker 2: We reached out to them. They were amazing. They laid 75 00:03:48,640 --> 00:03:51,680 Speaker 2: out all the options. We took them up on everything 76 00:03:51,720 --> 00:03:54,640 Speaker 2: they suggested. Mine was abysmal what I had set up, 77 00:03:54,680 --> 00:03:57,360 Speaker 2: so we cann't mine when all new vies with. 78 00:03:57,400 --> 00:03:59,360 Speaker 3: Them, isn't it's so disappointed. Oh yeah, it was terrible 79 00:03:59,360 --> 00:04:01,920 Speaker 3: because you just go, oh, I've been wasting money on Wait, 80 00:04:01,960 --> 00:04:03,280 Speaker 3: they've been taking my money for that. 81 00:04:03,560 --> 00:04:06,080 Speaker 2: Has literally I think I had fifty thousand dollars coverage 82 00:04:06,080 --> 00:04:06,280 Speaker 2: and that. 83 00:04:06,400 --> 00:04:08,960 Speaker 3: Was it in this economy. Absolutely not. 84 00:04:09,160 --> 00:04:12,200 Speaker 2: It was nothing. My husband does have a pretty good 85 00:04:12,200 --> 00:04:15,280 Speaker 2: work policy, but it only covered much smaller amounts of 86 00:04:15,360 --> 00:04:17,680 Speaker 2: what we wanted. So they did a combo with him. 87 00:04:18,440 --> 00:04:19,840 Speaker 2: We got it all set up. I think it was 88 00:04:19,920 --> 00:04:23,120 Speaker 2: finalized early twenty twenty three, just with some back and 89 00:04:23,200 --> 00:04:26,320 Speaker 2: forth medical stuff, and then pretty much bang on, twelve 90 00:04:26,360 --> 00:04:29,719 Speaker 2: months after that, he landed himself in hospital with gleandular 91 00:04:29,760 --> 00:04:32,520 Speaker 2: fever of all things. And yeah, they did a ct 92 00:04:32,720 --> 00:04:36,040 Speaker 2: scam because he had a bleeding spleen and they found 93 00:04:36,080 --> 00:04:38,080 Speaker 2: the cancer and his kipping. Oh my god. 94 00:04:38,880 --> 00:04:42,760 Speaker 3: So obviously that's horrific. To go into hospital for glandular 95 00:04:42,800 --> 00:04:45,560 Speaker 3: fever like that is awful to begin with. Yeah, but 96 00:04:45,839 --> 00:04:49,400 Speaker 3: had that not happened, you probably wouldn't have discovered this cancer. 97 00:04:49,520 --> 00:04:51,240 Speaker 3: We never would have known because most of them are 98 00:04:51,279 --> 00:04:54,440 Speaker 3: pretty symptom free until it's really bad. 99 00:04:54,920 --> 00:04:57,040 Speaker 2: Pretty much. Yeah, they say that. Not only is it 100 00:04:57,080 --> 00:04:59,640 Speaker 2: exceptionally slow growing, so it would have been probably a 101 00:04:59,680 --> 00:05:02,440 Speaker 2: decad eight before they found it. By the time they 102 00:05:02,520 --> 00:05:04,160 Speaker 2: do find it, it's usually you know, blood in the 103 00:05:04,279 --> 00:05:06,600 Speaker 2: urine and stuff, but by then it's usually spread. It's 104 00:05:06,680 --> 00:05:08,119 Speaker 2: usually really bad by that point. 105 00:05:08,279 --> 00:05:12,159 Speaker 3: So, oh my goodness. So what's that like? You obviously 106 00:05:12,279 --> 00:05:14,920 Speaker 3: go into hospital for glendula fever, which you know, horrific 107 00:05:15,000 --> 00:05:17,480 Speaker 3: to begin with, but also not the worst thing in 108 00:05:17,520 --> 00:05:18,200 Speaker 3: the entire world. 109 00:05:18,560 --> 00:05:19,360 Speaker 2: Like he was bad. 110 00:05:19,520 --> 00:05:21,360 Speaker 3: You would expect to just go in for a couple 111 00:05:21,440 --> 00:05:25,040 Speaker 3: of days, come out, have some rest, and go home. 112 00:05:25,120 --> 00:05:28,280 Speaker 3: But you went in and got a cancer diagnosis pretty much. 113 00:05:28,520 --> 00:05:30,640 Speaker 2: And because of his age he was only thirty two 114 00:05:30,680 --> 00:05:33,680 Speaker 2: at the time, they were really reluctant to confirm that 115 00:05:33,800 --> 00:05:36,400 Speaker 2: it was cancer. The most common is men are over 116 00:05:36,440 --> 00:05:40,080 Speaker 2: sixty five. He hit no markers, he's not overweight, he's 117 00:05:40,160 --> 00:05:43,400 Speaker 2: not a smoker, and he's obviously way too young. So 118 00:05:43,520 --> 00:05:46,400 Speaker 2: they were really reluctant to diagnose it without a biopsy. 119 00:05:47,160 --> 00:05:49,640 Speaker 2: But because of a glandular fever, they wouldn't do a biopsy. 120 00:05:49,720 --> 00:05:51,560 Speaker 2: They couldn't get in there and see he had to 121 00:05:51,560 --> 00:05:55,280 Speaker 2: wait like four months for that to all, yeah, go 122 00:05:55,520 --> 00:05:58,240 Speaker 2: down so they could actually get in there on biopsy it. 123 00:05:58,400 --> 00:06:00,960 Speaker 2: So they didn't actually confirm it until I think it 124 00:06:01,080 --> 00:06:02,360 Speaker 2: was May of that year. 125 00:06:02,760 --> 00:06:05,800 Speaker 3: So you guys were told, hey, we think we might 126 00:06:05,880 --> 00:06:08,560 Speaker 3: say cancer, but we're not going to tell you it's cancer. Also, 127 00:06:08,600 --> 00:06:10,680 Speaker 3: can you wait four months and just has this in 128 00:06:10,760 --> 00:06:12,440 Speaker 3: the back of your mind for the next four months? 129 00:06:12,520 --> 00:06:13,440 Speaker 3: Is that how that happened? 130 00:06:13,600 --> 00:06:16,839 Speaker 2: In a way, I'm like, I'm really upfromd with these things, 131 00:06:16,920 --> 00:06:19,480 Speaker 2: we just want to know, so we just kept saying 132 00:06:19,520 --> 00:06:22,040 Speaker 2: to them, we know that there's a strong possibility that 133 00:06:22,160 --> 00:06:24,200 Speaker 2: this is what it is, and that's okay. Don't worry 134 00:06:24,200 --> 00:06:27,000 Speaker 2: about saying the word. We're okay with it. We'd rather know. 135 00:06:27,640 --> 00:06:30,040 Speaker 2: Our main concerns initially where he was having problems with 136 00:06:30,160 --> 00:06:32,040 Speaker 2: his liver and his spleen, and we thought, oh, my gosh, 137 00:06:32,080 --> 00:06:34,640 Speaker 2: has it spread? Is it somewhere else? That was our 138 00:06:34,720 --> 00:06:37,080 Speaker 2: main concern. So once we knew it wasn't anywhere else, 139 00:06:37,720 --> 00:06:40,680 Speaker 2: we were pretty pretty okay with it. He obviously had 140 00:06:40,760 --> 00:06:42,840 Speaker 2: his moments. It was a rough few months for him, 141 00:06:43,360 --> 00:06:47,120 Speaker 2: but in the scheme of things, we were okay with it. 142 00:06:47,440 --> 00:06:50,240 Speaker 2: We knew that it was confined and even having to wait, 143 00:06:50,680 --> 00:06:53,160 Speaker 2: we knew that surgery should sort it out and that 144 00:06:53,200 --> 00:06:56,640 Speaker 2: should be enough. So we're pretty pragmatic about it. 145 00:06:56,880 --> 00:07:00,440 Speaker 3: But just the anxiety, I'm very grateful been in that 146 00:07:00,600 --> 00:07:03,760 Speaker 3: situation before, right, you know, And everyone says, oh, in 147 00:07:03,880 --> 00:07:06,040 Speaker 3: that situation, I would xpize it, and you never know 148 00:07:06,120 --> 00:07:09,240 Speaker 3: how you're going to read in that situation. But for me, 149 00:07:09,440 --> 00:07:12,600 Speaker 3: I think I would prefer someone to say, Victoria, that's cancer, 150 00:07:12,720 --> 00:07:14,400 Speaker 3: and then I deal with it and then then come 151 00:07:14,480 --> 00:07:16,800 Speaker 3: back later and be like, oop, sorry we were wrong. Yeah, 152 00:07:16,920 --> 00:07:19,400 Speaker 3: then the opposite, Like, can we just deal with it 153 00:07:20,120 --> 00:07:22,920 Speaker 3: as the most dramatic outcome first. I know it would 154 00:07:22,960 --> 00:07:26,160 Speaker 3: be scary, but I'd prefer that then the opposite and 155 00:07:26,280 --> 00:07:27,119 Speaker 3: then have it missed. 156 00:07:27,400 --> 00:07:30,120 Speaker 2: That's probably us as well. But I also understand there's 157 00:07:30,120 --> 00:07:31,840 Speaker 2: a lot of people that probably hear the word cancer 158 00:07:31,920 --> 00:07:35,280 Speaker 2: and it would really like send panic stations. So I 159 00:07:35,480 --> 00:07:38,440 Speaker 2: get why they're cautious, which is why I was just 160 00:07:38,560 --> 00:07:40,560 Speaker 2: upfront with it. Even nurses and stuff. I felt so 161 00:07:40,680 --> 00:07:42,320 Speaker 2: sorry for them. They're trying to do hand over and 162 00:07:42,360 --> 00:07:44,520 Speaker 2: I'm like, we know that it's there, don't stress. You 163 00:07:44,600 --> 00:07:46,360 Speaker 2: don't need to point at your clipboards and stuff. It's 164 00:07:46,400 --> 00:07:49,000 Speaker 2: okay if you need to talk about it, just mentioned it. 165 00:07:49,160 --> 00:07:52,040 Speaker 2: We're not worried. It's like we are worried but not. 166 00:07:52,600 --> 00:07:55,520 Speaker 3: But also thank you nurses for being so empathetic and 167 00:07:55,600 --> 00:07:56,760 Speaker 3: not trying to freak us out. 168 00:07:57,400 --> 00:08:00,440 Speaker 2: Yeah, they were trying to be so so so about 169 00:08:00,440 --> 00:08:03,240 Speaker 2: it and so cautious and not make it super obvious 170 00:08:03,280 --> 00:08:04,840 Speaker 2: that they were trying to tell them about it. But 171 00:08:04,920 --> 00:08:07,320 Speaker 2: I'm like, it's okay, you can say it's fine. We're 172 00:08:07,720 --> 00:08:11,280 Speaker 2: comfortable enough knowing that it's there and it's not really 173 00:08:11,320 --> 00:08:12,280 Speaker 2: bad if that's what it is. 174 00:08:12,480 --> 00:08:15,680 Speaker 3: Oh my goodness, And like thirty two, like that is 175 00:08:15,880 --> 00:08:19,400 Speaker 3: just so young to go through something like that. Talk 176 00:08:19,480 --> 00:08:22,600 Speaker 3: to me about I guess your wider money story. Like 177 00:08:22,920 --> 00:08:24,960 Speaker 3: you guys grew up how. 178 00:08:25,760 --> 00:08:28,640 Speaker 2: I'm an only child. I grew up with both my 179 00:08:28,680 --> 00:08:32,080 Speaker 2: parents working. My whole life, very comfortable life. I never 180 00:08:32,240 --> 00:08:34,559 Speaker 2: really thought about money. It's just if we wanted to 181 00:08:34,640 --> 00:08:37,000 Speaker 2: do something, we did it. Yeah, So it just sort 182 00:08:37,000 --> 00:08:39,840 Speaker 2: of never really was a consideration for me. My husband 183 00:08:40,000 --> 00:08:42,120 Speaker 2: has a few siblings, and he grew up in a 184 00:08:42,200 --> 00:08:46,360 Speaker 2: single parent home for most of his latter life, and 185 00:08:46,520 --> 00:08:49,199 Speaker 2: so there was a little bit more money issues on 186 00:08:49,320 --> 00:08:52,480 Speaker 2: that side because his father was the one that paid 187 00:08:53,160 --> 00:08:55,080 Speaker 2: for a lot of their life growing up, and then 188 00:08:55,400 --> 00:08:57,920 Speaker 2: later in life they split up, so there's a lot 189 00:08:58,000 --> 00:09:00,520 Speaker 2: more on their side. But it was just sort of 190 00:09:00,559 --> 00:09:03,199 Speaker 2: something we never really thought about. We just we went 191 00:09:03,240 --> 00:09:05,079 Speaker 2: to work, we worked hard, we earned money, and we 192 00:09:05,160 --> 00:09:08,559 Speaker 2: spent it, and it was only Yeah, you sort of 193 00:09:08,600 --> 00:09:10,160 Speaker 2: hit thirty and you go, oh, we probably shouldn't do 194 00:09:10,240 --> 00:09:12,679 Speaker 2: this anymore. We probably should actually be smarter than this 195 00:09:13,000 --> 00:09:15,800 Speaker 2: and have some good foundations, good money sitting there and 196 00:09:15,920 --> 00:09:17,920 Speaker 2: not be sitting They're going, I'll have to wait till 197 00:09:17,960 --> 00:09:19,960 Speaker 2: pay week, next week or whatever it. 198 00:09:20,040 --> 00:09:23,000 Speaker 3: Is totally, and I'd be like, when we're younger, we 199 00:09:23,200 --> 00:09:26,400 Speaker 3: just think that the adult happens to us, Like we 200 00:09:26,440 --> 00:09:29,120 Speaker 3: don't build the adult. We just one day we'll wake 201 00:09:29,200 --> 00:09:31,800 Speaker 3: up and we will have probably two point five kids 202 00:09:31,960 --> 00:09:34,719 Speaker 3: and a house and you know, two perfect cars in 203 00:09:34,760 --> 00:09:36,240 Speaker 3: the driveway. That's what happens, right. 204 00:09:36,240 --> 00:09:38,839 Speaker 2: That's adult, Like it just yeah, you blink and it happened. 205 00:09:38,880 --> 00:09:41,040 Speaker 3: Yeah, Like in my head, that was just what was 206 00:09:41,080 --> 00:09:44,000 Speaker 3: going to happen. Like it was arguably not consensual, Like, yeah, 207 00:09:44,040 --> 00:09:45,719 Speaker 3: I was going to become an adult one day. I 208 00:09:45,760 --> 00:09:47,520 Speaker 3: don't know when that was going to happen. But then 209 00:09:47,559 --> 00:09:49,040 Speaker 3: you kind of hit your thirties and you're like, hold 210 00:09:49,120 --> 00:09:51,439 Speaker 3: hold on, why are we doing? How does this? 211 00:09:52,080 --> 00:09:52,720 Speaker 2: Hasn't this happened? 212 00:09:52,880 --> 00:09:55,360 Speaker 3: But you mean I'm in control of this? Well that's 213 00:09:55,440 --> 00:10:00,280 Speaker 3: not very fair. So obviously before your husband's diagnos, as 214 00:10:00,360 --> 00:10:03,000 Speaker 3: you guys were working at hustling and getting stuff together, 215 00:10:03,080 --> 00:10:05,320 Speaker 3: you started consuming podcasts, so. 216 00:10:05,400 --> 00:10:09,199 Speaker 2: We had started getting our finances in order first obsessed. 217 00:10:09,520 --> 00:10:11,320 Speaker 3: So what did you do for work? How much money 218 00:10:11,360 --> 00:10:12,679 Speaker 3: were you earning or even now. 219 00:10:13,040 --> 00:10:15,319 Speaker 2: At the time, I was earning about sixty thousand and 220 00:10:15,360 --> 00:10:18,199 Speaker 2: my husband was earning about eighty. We've both improved a 221 00:10:18,240 --> 00:10:21,040 Speaker 2: lot since then. He's eight hundred and twenty now and 222 00:10:21,200 --> 00:10:23,880 Speaker 2: I'm on about one hundred plus super for both of us, 223 00:10:24,040 --> 00:10:25,679 Speaker 2: So we've proved that quite a lot. 224 00:10:26,120 --> 00:10:28,959 Speaker 3: That's a whole side conversation. How do you go from 225 00:10:29,040 --> 00:10:31,200 Speaker 3: sixty to one hundred in that period of time. 226 00:10:31,840 --> 00:10:33,720 Speaker 2: So I worked for a small business for a very 227 00:10:33,760 --> 00:10:35,240 Speaker 2: long time, and I had a lot of perks that 228 00:10:35,280 --> 00:10:37,280 Speaker 2: went with that. Like it wasn't it wasn't just a 229 00:10:37,360 --> 00:10:39,319 Speaker 2: sixty thousand dollar job. I got a lot with that, 230 00:10:39,679 --> 00:10:42,400 Speaker 2: But as far as the actual earning capacity, that was 231 00:10:42,480 --> 00:10:44,240 Speaker 2: kind of the limit of what the business could afford 232 00:10:44,320 --> 00:10:47,280 Speaker 2: and what the job was. They retired a few years ago, 233 00:10:47,360 --> 00:10:49,760 Speaker 2: and so I took the opportunity to look for something else, 234 00:10:49,840 --> 00:10:52,840 Speaker 2: and yeah, jumped into something a lot higher. 235 00:10:53,200 --> 00:10:56,280 Speaker 3: How cool? And then your husband was on eighty or 236 00:10:56,480 --> 00:10:56,880 Speaker 3: is on a. 237 00:10:57,120 --> 00:10:59,079 Speaker 2: Yeah, he was on eighty at the time that he 238 00:10:59,200 --> 00:11:02,840 Speaker 2: was diagnosed, and just with a few career changes internally 239 00:11:02,880 --> 00:11:04,720 Speaker 2: at the company he works at, he's now on one 240 00:11:04,840 --> 00:11:06,079 Speaker 2: hundred and twenty adore. 241 00:11:06,480 --> 00:11:08,959 Speaker 3: Now, what type of work does your husband do? Is 242 00:11:09,040 --> 00:11:11,319 Speaker 3: it like office based, is it like field based? What 243 00:11:11,440 --> 00:11:12,079 Speaker 3: does that look like? 244 00:11:12,440 --> 00:11:15,720 Speaker 2: He works from home exclusively, which makes me incredibly jealous. 245 00:11:15,760 --> 00:11:18,800 Speaker 2: Sometimes they sent them home in COVID and they've just 246 00:11:18,960 --> 00:11:21,319 Speaker 2: never gone back. I reckon. He sees the office three 247 00:11:21,360 --> 00:11:24,040 Speaker 2: times a year, and it's usually when somebody's retiring and 248 00:11:24,080 --> 00:11:24,920 Speaker 2: they're having a lunch. 249 00:11:25,679 --> 00:11:27,200 Speaker 3: So I would go in for lunch. 250 00:11:27,240 --> 00:11:28,840 Speaker 2: Absolutely, I totally. 251 00:11:28,559 --> 00:11:30,080 Speaker 3: Get whit I doesn't really understand. 252 00:11:30,120 --> 00:11:33,800 Speaker 2: So he works exclusively from our office. He is a 253 00:11:34,320 --> 00:11:36,800 Speaker 2: software engineer, gorgeous. He's a computer constant. 254 00:11:36,960 --> 00:11:41,920 Speaker 3: How fun. So talk me through obviously going through that diagnosis, 255 00:11:42,440 --> 00:11:46,240 Speaker 3: you guys had plans like you'd started consuming content and 256 00:11:46,440 --> 00:11:50,120 Speaker 3: getting your finances together, which can be super empowering, but 257 00:11:50,320 --> 00:11:54,520 Speaker 3: also then getting a diagnosis like that you might spiral 258 00:11:54,679 --> 00:11:58,080 Speaker 3: and reassess everything that's going on. What did that look 259 00:11:58,240 --> 00:12:00,959 Speaker 3: like when you got that diagnosis? By financially, because you're 260 00:12:01,040 --> 00:12:04,559 Speaker 3: not just going, oh okay, well I've got insurance money, whin, 261 00:12:04,960 --> 00:12:07,240 Speaker 3: I'll just get a big payout, like sometimes there's a 262 00:12:07,320 --> 00:12:09,600 Speaker 3: bit of animosity. And you said that there was four 263 00:12:09,679 --> 00:12:12,320 Speaker 3: months before he got a diagnosis, and can I assume 264 00:12:12,360 --> 00:12:14,360 Speaker 3: that he was not well during that four months. 265 00:12:14,679 --> 00:12:18,320 Speaker 2: He was okay. Mentally, he struggled probably more than anything, 266 00:12:18,400 --> 00:12:21,640 Speaker 2: just that limbo. He was really lucky. His work was incredible. 267 00:12:21,760 --> 00:12:23,959 Speaker 2: They were very flexible. He had a lot of sick leave, 268 00:12:24,000 --> 00:12:26,440 Speaker 2: he's been there a long time, but they were also 269 00:12:26,600 --> 00:12:29,040 Speaker 2: very flexible with you know, you just take the time 270 00:12:29,120 --> 00:12:31,400 Speaker 2: you need, don't worry about it, sort it out. So 271 00:12:31,559 --> 00:12:34,640 Speaker 2: he was very flexible in that time. Once the glandular 272 00:12:34,679 --> 00:12:36,599 Speaker 2: fever was gone, he was actually really good. So he 273 00:12:36,720 --> 00:12:39,920 Speaker 2: was probably pretty well for most of it. It was 274 00:12:40,080 --> 00:12:42,680 Speaker 2: just that dealing with the mental side more than anything. 275 00:12:43,080 --> 00:12:47,240 Speaker 3: Yeah, And that's like such a really important point to 276 00:12:47,360 --> 00:12:50,360 Speaker 3: kind of point out, is that your husband had cancer 277 00:12:50,480 --> 00:12:54,559 Speaker 3: and he was acting fine like glandular fever aside, Like, 278 00:12:54,679 --> 00:12:57,360 Speaker 3: there's no other reasons that you guys would have questioned 279 00:12:57,440 --> 00:12:59,520 Speaker 3: or gone and done this full medical And even if 280 00:12:59,559 --> 00:13:01,719 Speaker 3: you'd gone done a full medical, why would you have 281 00:13:01,920 --> 00:13:06,480 Speaker 3: paid out of pocket for that scan that diagnosed him? Essentially, 282 00:13:07,320 --> 00:13:10,520 Speaker 3: So that to me, yeah, is kind of terrifying, but 283 00:13:10,600 --> 00:13:13,640 Speaker 3: also a really really good reason as to why, Like 284 00:13:13,720 --> 00:13:16,920 Speaker 3: you just never know, like everyone always says this type 285 00:13:16,920 --> 00:13:20,120 Speaker 3: of stuff happens to other people. It doesn't happen to us. Like, 286 00:13:20,880 --> 00:13:24,079 Speaker 3: was that where you guys were at when the diagnosis happened. 287 00:13:24,120 --> 00:13:26,680 Speaker 2: A little bit? Yeah, like everything just stop stuffing matters. 288 00:13:26,760 --> 00:13:29,480 Speaker 2: You're just you're going through the motions. See you're in limbo. 289 00:13:29,679 --> 00:13:32,200 Speaker 2: That was how he described it. You just he didn't 290 00:13:32,240 --> 00:13:35,280 Speaker 2: know what to do because he didn't know. He thinks 291 00:13:35,280 --> 00:13:37,559 Speaker 2: he does, but he can't do anything about it. He 292 00:13:37,679 --> 00:13:40,280 Speaker 2: wanted it out of him. He really desperately wanted to 293 00:13:40,320 --> 00:13:44,320 Speaker 2: cut out. But it was just yeah, like waiting and yeah, 294 00:13:44,480 --> 00:13:46,880 Speaker 2: just nothing. You don't really remember the time because you 295 00:13:46,920 --> 00:13:51,559 Speaker 2: don't remember what you did or what you were thinking about, 296 00:13:51,720 --> 00:13:53,200 Speaker 2: or because it's just everything stops. 297 00:13:53,559 --> 00:13:58,280 Speaker 3: So did your money goals change from pre cancer diagnosis 298 00:13:58,400 --> 00:13:59,360 Speaker 3: to post. 299 00:13:59,440 --> 00:14:01,840 Speaker 2: I think we've probably become a lot better at going, oh, 300 00:14:01,920 --> 00:14:03,959 Speaker 2: you know, we need to be really on top of 301 00:14:04,080 --> 00:14:06,000 Speaker 2: this and making sure that we've planned for our future 302 00:14:06,040 --> 00:14:08,840 Speaker 2: and stuff. Like I said, we had all of our insurances. 303 00:14:08,840 --> 00:14:11,559 Speaker 2: Obviously we're set up. But we've been much better at going, Okay, 304 00:14:11,720 --> 00:14:13,960 Speaker 2: we need to reassess now incomes have gone up, family 305 00:14:14,040 --> 00:14:16,920 Speaker 2: circumstances have changed. We've been much better at going, yes, 306 00:14:17,000 --> 00:14:18,959 Speaker 2: you need to do that now. Don't wait, just do it. 307 00:14:19,800 --> 00:14:22,440 Speaker 3: Yeah, absolutely, And so what do your money goals look 308 00:14:22,520 --> 00:14:24,760 Speaker 3: like today? What are we currently working towards? 309 00:14:24,920 --> 00:14:26,640 Speaker 2: Well, at the moment, I am twenty weeks pregnant, so 310 00:14:27,080 --> 00:14:31,280 Speaker 2: I'm working on twelve months off. So at the moment, 311 00:14:31,440 --> 00:14:34,320 Speaker 2: we're kind of heavily trying to invest at the moment 312 00:14:34,960 --> 00:14:36,560 Speaker 2: because we know that's going to take a back seat 313 00:14:36,600 --> 00:14:39,320 Speaker 2: once I'm not working. The goal is for me to 314 00:14:39,400 --> 00:14:42,320 Speaker 2: have about twelve months off, which we think should be achievable. 315 00:14:42,400 --> 00:14:44,600 Speaker 2: I'll be paid for probably about seventy five percent of 316 00:14:44,680 --> 00:14:47,360 Speaker 2: it based on all the different leaves that you can get, 317 00:14:48,200 --> 00:14:50,520 Speaker 2: and the remaining twenty five percent we should be okay 318 00:14:50,840 --> 00:14:53,200 Speaker 2: on just use income and worst case, I'll just go 319 00:14:53,320 --> 00:14:55,880 Speaker 2: back a little bit early if I need to stop it. 320 00:14:56,040 --> 00:15:00,840 Speaker 3: That's so exciting. You didn't drop that earlier. That is 321 00:15:01,040 --> 00:15:03,400 Speaker 3: literally so exciting. Let's go to a really quick break 322 00:15:03,440 --> 00:15:05,080 Speaker 3: because on the flip side, I want to talk about 323 00:15:05,120 --> 00:15:07,520 Speaker 3: these investments that you've just mentioned. I want to talk 324 00:15:07,560 --> 00:15:09,600 Speaker 3: about debt. I want to talk about what you did 325 00:15:09,720 --> 00:15:12,200 Speaker 3: with your payout, and then we're going to talk about 326 00:15:12,240 --> 00:15:14,840 Speaker 3: best and worst money habits. So guys, don't go anywhere. 327 00:15:18,320 --> 00:15:21,640 Speaker 3: Our one thousandth episode is coming up soon, and to celebrate, 328 00:15:21,720 --> 00:15:24,640 Speaker 3: we're giving one clever listener a chance to win She's 329 00:15:24,760 --> 00:15:30,720 Speaker 3: Stashed the Cash. Today's mystery word is minutes. Tune into 330 00:15:30,800 --> 00:15:33,320 Speaker 3: episodes of She's on the Money between the seventeenth of 331 00:15:33,400 --> 00:15:35,760 Speaker 3: June and the third of July and listen out for 332 00:15:35,840 --> 00:15:38,640 Speaker 3: the hidden code words. They're a five in total. The 333 00:15:38,800 --> 00:15:41,240 Speaker 3: first person to arrange the code words in the correct 334 00:15:41,400 --> 00:15:45,160 Speaker 3: order will win one thousand dollars. Entries open on Friday, 335 00:15:45,200 --> 00:15:48,080 Speaker 3: the third of July, with details shared live on the pod. 336 00:15:48,560 --> 00:15:52,480 Speaker 3: Good luck and happy hunting Money, Dirist, We are back 337 00:15:52,840 --> 00:15:55,480 Speaker 3: and you are twenty weeks pregnant, which is just so 338 00:15:55,960 --> 00:15:59,400 Speaker 3: exciting and also can I be really perfect because it's 339 00:15:59,400 --> 00:16:03,360 Speaker 3: obviously not mess But after a cancer diagnosis, was that 340 00:16:03,520 --> 00:16:05,000 Speaker 3: something that you were like, We're not sure if that's 341 00:16:05,000 --> 00:16:06,480 Speaker 3: going to be a reality for us or not. 342 00:16:06,840 --> 00:16:09,160 Speaker 2: We were sured that there would be no issues with 343 00:16:09,800 --> 00:16:12,520 Speaker 2: that side, but we were really worried about the genetic component, 344 00:16:12,800 --> 00:16:14,960 Speaker 2: so we did do a lot of pretty testing to 345 00:16:15,080 --> 00:16:17,760 Speaker 2: make sure that things were okay. We're also a little 346 00:16:17,800 --> 00:16:20,520 Speaker 2: bit older and not old by any means, but we 347 00:16:20,640 --> 00:16:22,160 Speaker 2: were a little bit older as well, so we were 348 00:16:22,280 --> 00:16:24,920 Speaker 2: concerned that maybe there could be some genetic issues that 349 00:16:25,040 --> 00:16:26,800 Speaker 2: might pop up, so we did do a bunch of 350 00:16:27,080 --> 00:16:27,920 Speaker 2: that pre testing. 351 00:16:28,080 --> 00:16:30,720 Speaker 3: So what type of genetic testing did you guys do? 352 00:16:30,880 --> 00:16:32,880 Speaker 3: Did you just go to like a fertility expert or 353 00:16:32,920 --> 00:16:35,000 Speaker 3: did you like google it, like, what did that look like? 354 00:16:35,200 --> 00:16:37,720 Speaker 2: So we had a chat with our GP and we 355 00:16:37,920 --> 00:16:39,680 Speaker 2: went through it all. Because she's been through it all 356 00:16:39,720 --> 00:16:42,560 Speaker 2: with us, she suggested a few different options. So I 357 00:16:42,680 --> 00:16:45,040 Speaker 2: went through all of the scams where they go in 358 00:16:45,120 --> 00:16:47,120 Speaker 2: and check account and all that sort of stuff. They 359 00:16:47,160 --> 00:16:50,400 Speaker 2: also did quite an extensive blood panel on both of 360 00:16:50,520 --> 00:16:53,520 Speaker 2: us that was done through a genetic testing land, so 361 00:16:53,600 --> 00:16:58,320 Speaker 2: it's relatively expensive. It's not not super extensive, but it's 362 00:16:58,360 --> 00:17:01,440 Speaker 2: not cheap either. From our perspective, we really wanted to 363 00:17:01,480 --> 00:17:04,760 Speaker 2: confirm it, especially from my husband's side, that there's nothing 364 00:17:04,840 --> 00:17:07,080 Speaker 2: that was technically there that was going to be passed on, 365 00:17:07,320 --> 00:17:09,480 Speaker 2: or if there was, we were aware of it we 366 00:17:09,560 --> 00:17:10,240 Speaker 2: could do about it. 367 00:17:10,359 --> 00:17:13,320 Speaker 3: Yeah, exactly, And it's obviously a privilege to be able 368 00:17:13,400 --> 00:17:15,639 Speaker 3: to do that. But at the same time, like I 369 00:17:15,720 --> 00:17:18,880 Speaker 3: think for me because I also did the same thing, 370 00:17:19,200 --> 00:17:22,520 Speaker 3: not because we had a similar circumstance. I just had 371 00:17:22,600 --> 00:17:25,240 Speaker 3: worked in the space for so long, and I was like, 372 00:17:25,480 --> 00:17:28,440 Speaker 3: it's the devil, you know, right, Like having gone through 373 00:17:28,640 --> 00:17:32,520 Speaker 3: claims processes with clients and having seen things happen, I'm like, 374 00:17:32,920 --> 00:17:34,920 Speaker 3: what can I do to make sure that my babies 375 00:17:34,920 --> 00:17:38,719 Speaker 3: are in the best possible position? And for me, spending 376 00:17:38,760 --> 00:17:41,320 Speaker 3: the money just made sense. Same for us, But we 377 00:17:41,400 --> 00:17:43,720 Speaker 3: did the full blood panels. I remember spitting into a 378 00:17:43,880 --> 00:17:45,720 Speaker 3: cup and they did genetic testing on that. 379 00:17:46,240 --> 00:17:47,120 Speaker 2: They do that too. 380 00:17:47,680 --> 00:17:49,920 Speaker 3: I was why if you've got my blood, do you 381 00:17:50,000 --> 00:17:53,520 Speaker 3: also need my saliva? But anyway, that for us was 382 00:17:53,640 --> 00:17:56,000 Speaker 3: like a really big peace of mind thing because I 383 00:17:56,080 --> 00:17:59,920 Speaker 3: was like, okay, cool, we're okay. Now let's talk about investments, 384 00:18:00,000 --> 00:18:02,760 Speaker 3: because you said that you'd started your journey and like 385 00:18:02,840 --> 00:18:05,680 Speaker 3: you guys are trying to invest right now? Yeah, have 386 00:18:05,840 --> 00:18:09,159 Speaker 3: you invested your trauma payout? Is that what's going on here? 387 00:18:09,320 --> 00:18:10,840 Speaker 3: Or like what does that look like? 388 00:18:11,359 --> 00:18:14,080 Speaker 2: No, not entirely. So I started out investing a few 389 00:18:14,119 --> 00:18:16,000 Speaker 2: years ago. With your stuff. I used to do like 390 00:18:16,280 --> 00:18:18,639 Speaker 2: surveys and stuff like that, and any extra money I'd 391 00:18:18,640 --> 00:18:20,480 Speaker 2: get from that would be what I would invest And 392 00:18:20,680 --> 00:18:23,520 Speaker 2: even like I love this collecting like bottles and stuff 393 00:18:23,600 --> 00:18:25,080 Speaker 2: like that. For your ten cents and I would just 394 00:18:25,200 --> 00:18:26,880 Speaker 2: add all that up and once I hit a certain 395 00:18:26,920 --> 00:18:29,399 Speaker 2: amount of money, I would just invest it. Same if 396 00:18:29,440 --> 00:18:32,040 Speaker 2: I got gifts or anything like that, Like my nan 397 00:18:32,119 --> 00:18:34,120 Speaker 2: a few years ago when she passed away, she'd left 398 00:18:34,400 --> 00:18:35,840 Speaker 2: me a little bit of money, and I put that 399 00:18:36,000 --> 00:18:39,680 Speaker 2: in and stuff like that. Anything I wasn't expecting that 400 00:18:39,800 --> 00:18:43,840 Speaker 2: went into investing. And then when he got the payout, 401 00:18:44,119 --> 00:18:46,040 Speaker 2: that was when I was transitioning. We knew that I 402 00:18:46,200 --> 00:18:48,600 Speaker 2: was going to be finishing at that job that year 403 00:18:49,359 --> 00:18:51,560 Speaker 2: and we were planning to go overseas for four months. 404 00:18:51,840 --> 00:18:55,320 Speaker 2: So at the time we had been saving and it 405 00:18:55,440 --> 00:18:58,639 Speaker 2: was fine, and then we made a few bunch of 406 00:18:58,760 --> 00:19:01,720 Speaker 2: changes with that and we ended up spending more on 407 00:19:01,800 --> 00:19:05,159 Speaker 2: that trip from that payout. We didn't spend all of it, 408 00:19:05,359 --> 00:19:09,119 Speaker 2: of course, we spent probably ten percent. I suppose it 409 00:19:09,160 --> 00:19:10,320 Speaker 2: was a fairly small amount of it. 410 00:19:10,680 --> 00:19:13,080 Speaker 3: Well, but still that's a lot of money. 411 00:19:13,280 --> 00:19:15,919 Speaker 2: It was, Yeah, And then there was a small amount 412 00:19:15,920 --> 00:19:19,040 Speaker 2: of it that went into maintaining our life when we 413 00:19:19,119 --> 00:19:22,200 Speaker 2: got back and before I could get another job, which 414 00:19:22,320 --> 00:19:25,119 Speaker 2: was only just over twelve months ago. We still have 415 00:19:25,200 --> 00:19:28,280 Speaker 2: a fair chunk of it. But where yeah, we're sitting 416 00:19:28,280 --> 00:19:30,040 Speaker 2: on a fair amount of it still in cash. 417 00:19:30,320 --> 00:19:33,920 Speaker 3: But that is a really nice place to be, Like, obviously, 418 00:19:34,080 --> 00:19:37,439 Speaker 3: you guys went through so much and it would always 419 00:19:37,480 --> 00:19:39,359 Speaker 3: be in the back of your mind as well, like 420 00:19:39,480 --> 00:19:41,840 Speaker 3: could it come back? Like obviously there's a lot of 421 00:19:41,920 --> 00:19:46,760 Speaker 3: animosity around you know, a relapse and that's okay, But 422 00:19:47,000 --> 00:19:48,720 Speaker 3: just to know that you're going to be in a 423 00:19:48,800 --> 00:19:53,200 Speaker 3: better position financially to support yourselves going through that. Yeah, 424 00:19:53,440 --> 00:19:54,760 Speaker 3: to me, that's the biggest money in. 425 00:19:54,920 --> 00:19:56,760 Speaker 2: And I think part of keeping a fair amount of 426 00:19:56,760 --> 00:19:58,600 Speaker 2: the cash is you sort of have this worry of like, oh, 427 00:19:58,680 --> 00:20:02,200 Speaker 2: what if something just changes over night again, and yeah, 428 00:20:02,280 --> 00:20:04,040 Speaker 2: we just yeah, so we have a fair amount of 429 00:20:04,080 --> 00:20:06,120 Speaker 2: it sitting there. Part of that is not knowing what's 430 00:20:06,160 --> 00:20:09,200 Speaker 2: going to happen with maternity leave that we figured that 431 00:20:09,280 --> 00:20:11,920 Speaker 2: we'll keep some of it there for that, but ultimately 432 00:20:12,000 --> 00:20:13,120 Speaker 2: we will invest what's left. 433 00:20:13,440 --> 00:20:16,520 Speaker 3: Yeah, that's so exciting. Now, tell me when you started 434 00:20:16,560 --> 00:20:19,720 Speaker 3: your investment journey. How did you start? Like did you 435 00:20:19,800 --> 00:20:22,560 Speaker 3: download an app? Did you go straight to the Vanguard website? 436 00:20:22,680 --> 00:20:25,160 Speaker 3: Like what were you doing to get your journey kicked off? 437 00:20:25,800 --> 00:20:28,959 Speaker 2: I went with Concept Pocket and I went with Global 438 00:20:29,000 --> 00:20:31,280 Speaker 2: one hundred and Aussie top two hundred because I thought 439 00:20:31,320 --> 00:20:33,280 Speaker 2: that's boring and that's stable, and that's me. 440 00:20:33,480 --> 00:20:36,560 Speaker 3: But we love a boring investment portfolio. And have we 441 00:20:36,720 --> 00:20:38,720 Speaker 3: changed what does that look like now? 442 00:20:39,080 --> 00:20:41,399 Speaker 2: Not really, I still do have those. We also do 443 00:20:41,520 --> 00:20:44,720 Speaker 2: have some tech and also we have VDHD as. 444 00:20:44,640 --> 00:20:47,960 Speaker 3: Well, So I love that. I feel like we never 445 00:20:48,000 --> 00:20:50,399 Speaker 3: recommend it. But like everyone I talked to in the 446 00:20:50,480 --> 00:20:54,480 Speaker 3: shoes on the money communities like hey VDHD, I'm like, yeah, yeah, yeah, queen, 447 00:20:54,640 --> 00:20:57,240 Speaker 3: I see where we're going. We all have similar tastes. 448 00:20:57,560 --> 00:20:57,760 Speaker 4: Yeah. 449 00:20:58,520 --> 00:21:01,359 Speaker 2: Just my dad has always into me that boring is great. 450 00:21:01,760 --> 00:21:04,800 Speaker 3: Just yeah, yeah, I can't go on after my own heart. 451 00:21:05,040 --> 00:21:05,240 Speaker 2: Yeah. 452 00:21:05,640 --> 00:21:08,920 Speaker 3: Talk to me about debt. Are you in any debt? 453 00:21:09,040 --> 00:21:11,120 Speaker 3: If so, what does that look like? Yep. 454 00:21:11,160 --> 00:21:13,760 Speaker 2: So we have an investment property which has a debt 455 00:21:13,800 --> 00:21:15,760 Speaker 2: of about four hundred and eighty thousand at the moment, 456 00:21:16,080 --> 00:21:20,080 Speaker 2: and yeah, we just don't really pay too much extra 457 00:21:20,119 --> 00:21:21,960 Speaker 2: off it. We do have the cash sitting in the 458 00:21:22,000 --> 00:21:24,280 Speaker 2: offset to help with the interest, but we just sort 459 00:21:24,280 --> 00:21:25,520 Speaker 2: of let it do its thing. Cool. 460 00:21:25,680 --> 00:21:28,640 Speaker 3: Talk to me about investment property as a decision, because 461 00:21:28,640 --> 00:21:31,760 Speaker 3: obviously that's another form of investment, but you don't own 462 00:21:31,800 --> 00:21:34,439 Speaker 3: the house that you live in, you've rentvested, so. 463 00:21:34,880 --> 00:21:38,080 Speaker 2: Sort of, we purchased a property that we lived in. 464 00:21:38,200 --> 00:21:41,040 Speaker 2: We lived in it for four years, and then my 465 00:21:41,200 --> 00:21:43,560 Speaker 2: mum decided to retire a couple of years ago, and 466 00:21:44,000 --> 00:21:46,480 Speaker 2: they wanted to travel a lot, and whenever they traveled, 467 00:21:46,520 --> 00:21:49,720 Speaker 2: we always looked after their house. And I said to them, 468 00:21:49,760 --> 00:21:51,359 Speaker 2: I said, I have no problem with you doing that, 469 00:21:51,520 --> 00:21:53,000 Speaker 2: but if you're going to be away nine months of 470 00:21:53,040 --> 00:21:54,880 Speaker 2: the year, I don't really want our part. 471 00:21:54,920 --> 00:21:55,760 Speaker 3: I'm moving it in here. 472 00:21:56,119 --> 00:21:58,920 Speaker 2: Yeah really, because I knew they were going away for 473 00:21:59,000 --> 00:22:01,920 Speaker 2: four months, like straight off the bat. And so yeah, 474 00:22:01,920 --> 00:22:04,119 Speaker 2: we moved home. We moved in with my family. 475 00:22:04,440 --> 00:22:06,880 Speaker 3: Fick, sorry, we moved in with my parents. But also 476 00:22:07,000 --> 00:22:08,840 Speaker 3: my parents don't go here money win. 477 00:22:09,440 --> 00:22:12,440 Speaker 2: Yeah. Yeah, so they're here maybe four months of the 478 00:22:12,560 --> 00:22:15,919 Speaker 2: year sporadically. Sometimes it's four months at a time. Sometimes 479 00:22:15,960 --> 00:22:17,960 Speaker 2: it's a few weeks here and there. So they're back 480 00:22:18,000 --> 00:22:19,080 Speaker 2: and forth all the time. 481 00:22:19,200 --> 00:22:20,640 Speaker 3: I love that for them. 482 00:22:21,240 --> 00:22:24,080 Speaker 2: Yeah, so they can work for everybody when they're here. 483 00:22:24,160 --> 00:22:27,080 Speaker 2: It's completely fine. We get on really well. The house 484 00:22:27,160 --> 00:22:29,440 Speaker 2: is laid out in a way that's really easy for 485 00:22:29,560 --> 00:22:32,119 Speaker 2: duel living. But yeah, so they can get up and 486 00:22:32,160 --> 00:22:34,040 Speaker 2: go whenever they want, and they can go for however 487 00:22:34,119 --> 00:22:35,840 Speaker 2: they long and want, and they don't have to worry 488 00:22:35,840 --> 00:22:36,119 Speaker 2: about it. 489 00:22:36,520 --> 00:22:40,159 Speaker 3: That is actually incredible to be pervy on their money story. 490 00:22:40,359 --> 00:22:42,840 Speaker 3: Was that always something that they had planned. Were they like, 491 00:22:42,920 --> 00:22:45,440 Speaker 3: when we retire, we're going to travel the world? 492 00:22:45,800 --> 00:22:48,840 Speaker 2: Or was it they've always been huge travelers, Like my 493 00:22:48,960 --> 00:22:51,800 Speaker 2: whole life, we've always traveled. As they've gotten older and 494 00:22:51,880 --> 00:22:54,120 Speaker 2: had more money, they've obviously traveled more and more and more. 495 00:22:54,320 --> 00:22:56,840 Speaker 2: But I don't think it was necessarily in their plans 496 00:22:56,880 --> 00:22:59,880 Speaker 2: that they'd never be here. They do have a whole 497 00:23:00,040 --> 00:23:02,280 Speaker 2: their home that they do go too quite regularly as well, 498 00:23:02,840 --> 00:23:04,719 Speaker 2: But it just means they have a lot of freedom 499 00:23:04,920 --> 00:23:07,320 Speaker 2: that they can step up and go whenever they want. 500 00:23:07,400 --> 00:23:09,600 Speaker 2: If they decided they wanted to go to their holiday 501 00:23:09,640 --> 00:23:11,520 Speaker 2: home next week, it's not a big deal. They don't 502 00:23:11,520 --> 00:23:12,240 Speaker 2: have to worry about it. 503 00:23:12,720 --> 00:23:15,359 Speaker 3: That's actually the dream, Like you're just selling me on 504 00:23:15,720 --> 00:23:18,680 Speaker 3: the perfect retirement. They can travel whenever they want. They're 505 00:23:18,680 --> 00:23:20,359 Speaker 3: going to do whatever they want. They've got a little 506 00:23:20,400 --> 00:23:23,080 Speaker 3: holiday house that they go to, Like when I grow up, 507 00:23:23,280 --> 00:23:26,160 Speaker 3: I want to be your parents, Yeah me too, Yeah, 508 00:23:26,359 --> 00:23:29,879 Speaker 3: like iconic from them. Now The next question I was 509 00:23:29,960 --> 00:23:31,639 Speaker 3: going to ask, but we know the answer to that 510 00:23:31,960 --> 00:23:37,440 Speaker 3: is do you have personal insurances? Yeah, but obviously I'm 511 00:23:37,520 --> 00:23:41,000 Speaker 3: actually going to ask how has that changed? So obviously 512 00:23:41,480 --> 00:23:44,360 Speaker 3: you've probably got your full suite of personal insurances set 513 00:23:44,480 --> 00:23:48,119 Speaker 3: up and still ticking along. But your husband has claimed 514 00:23:48,240 --> 00:23:50,880 Speaker 3: on his trauma, So what does that look like now 515 00:23:50,960 --> 00:23:51,280 Speaker 3: for him? 516 00:23:51,600 --> 00:23:54,200 Speaker 2: He had the payout two years ago I think it was, 517 00:23:54,520 --> 00:23:57,159 Speaker 2: and then so there is then a period where he 518 00:23:57,280 --> 00:23:59,480 Speaker 2: didn't have that trauma insurance. I think it was twelve 519 00:23:59,520 --> 00:24:02,800 Speaker 2: months memory, yes, but he reinstated it as soon as 520 00:24:03,160 --> 00:24:05,240 Speaker 2: Sky let him know that it was ready to go. 521 00:24:05,800 --> 00:24:09,199 Speaker 2: He just has a caveat on it now, the kidney. 522 00:24:09,480 --> 00:24:12,680 Speaker 3: Yeah, so essentially, if he gets the same cancer again, 523 00:24:12,840 --> 00:24:14,639 Speaker 3: he won't get a trauma pay up, But if it 524 00:24:14,760 --> 00:24:17,320 Speaker 3: hypothetically moved anywhere else, he will, right. 525 00:24:17,680 --> 00:24:21,000 Speaker 2: I believe so, Yeah, unless they can directly link them 526 00:24:21,240 --> 00:24:24,320 Speaker 2: in some way. Yeah, but yeah, if something completely unrelated 527 00:24:24,440 --> 00:24:27,600 Speaker 2: happens to him again, then it's back up and running. 528 00:24:28,000 --> 00:24:30,800 Speaker 3: That's such peace of mind, especially now that you're like 529 00:24:30,840 --> 00:24:33,480 Speaker 3: we're also planning a family, like we're having a baby. 530 00:24:33,640 --> 00:24:35,919 Speaker 3: I want to make sure that you are absolutely covered 531 00:24:35,960 --> 00:24:40,320 Speaker 3: in this circumstance, talk to me about sky Wealth. Let's 532 00:24:40,359 --> 00:24:42,800 Speaker 3: be pervy on them for a hot second, because I 533 00:24:42,880 --> 00:24:45,399 Speaker 3: think that a lot of people just assume that you go, 534 00:24:45,760 --> 00:24:48,360 Speaker 3: you get your insurances set up, wham maam, thank you, ma'am, 535 00:24:48,440 --> 00:24:52,240 Speaker 3: you leave their ecosystem. But that's not how it works, 536 00:24:52,560 --> 00:24:55,960 Speaker 3: is it. So what happened with you guys once you've 537 00:24:56,040 --> 00:24:59,720 Speaker 3: got a diagnosis? Did you call phill up? Did you 538 00:25:00,080 --> 00:25:00,800 Speaker 3: send them an email? 539 00:25:01,000 --> 00:25:01,040 Speaker 1: Like? 540 00:25:01,160 --> 00:25:02,040 Speaker 3: What did that look like? 541 00:25:02,400 --> 00:25:04,919 Speaker 2: So I emailed to them to sort of explain, Hey, 542 00:25:05,040 --> 00:25:07,600 Speaker 2: we think this is what's going on. We don't really 543 00:25:07,720 --> 00:25:10,000 Speaker 2: know what to do here. Is this something that's claimable 544 00:25:10,080 --> 00:25:12,240 Speaker 2: because at the time, I mean, even though you think 545 00:25:12,359 --> 00:25:15,359 Speaker 2: that these things are what they're for, you don't really 546 00:25:15,960 --> 00:25:18,040 Speaker 2: know exactly the ins and outs of what you've got 547 00:25:18,080 --> 00:25:20,560 Speaker 2: to do. But I emailed. Our advisor at the time 548 00:25:20,600 --> 00:25:23,920 Speaker 2: was Trent. We emailed him and he immediately got it 549 00:25:23,960 --> 00:25:26,280 Speaker 2: straight to the claims team. They sent everything through. They said, 550 00:25:26,320 --> 00:25:29,440 Speaker 2: obviously we need to wait for confirmed diagnosis. They needed 551 00:25:29,480 --> 00:25:32,879 Speaker 2: some doctors things and whatnot, but essentially it was like, 552 00:25:33,119 --> 00:25:36,119 Speaker 2: you email us the details and we'll take care of it, 553 00:25:36,560 --> 00:25:38,879 Speaker 2: and they did. They dealt with everything. I think there 554 00:25:38,960 --> 00:25:40,440 Speaker 2: might have been the odd bit of paperwork here and 555 00:25:40,480 --> 00:25:42,879 Speaker 2: there that had Craig had to sign and that was it. 556 00:25:43,240 --> 00:25:46,280 Speaker 3: How good? And I feel like that takes a weight 557 00:25:46,359 --> 00:25:49,400 Speaker 3: off you because you're not dealing with the insurance companies 558 00:25:49,400 --> 00:25:52,400 Speaker 3: yourself either. You're just forwarding all of the information onto them. 559 00:25:52,760 --> 00:25:54,800 Speaker 3: They're like, hey, can we get a quick signature here 560 00:25:54,880 --> 00:25:58,200 Speaker 3: and there, but like they're the ones hounding the insurance 561 00:25:58,240 --> 00:26:00,640 Speaker 3: company and following up and being like, where's payment, what's 562 00:26:00,720 --> 00:26:01,960 Speaker 3: going on? What else do you need? 563 00:26:02,400 --> 00:26:05,280 Speaker 2: Because that's yeah, it just takes the admin totally off. 564 00:26:05,160 --> 00:26:07,840 Speaker 3: You, exactly. And I feel like during that period of time, 565 00:26:08,040 --> 00:26:11,560 Speaker 3: that is the last thing that you need. Now talk 566 00:26:11,600 --> 00:26:13,440 Speaker 3: to me about your best and worst money habits, because 567 00:26:13,440 --> 00:26:15,840 Speaker 3: I feel like you said you're a bee, but you've 568 00:26:15,880 --> 00:26:19,320 Speaker 3: got stuff pretty sortaed like, talk to me, what do 569 00:26:19,400 --> 00:26:21,040 Speaker 3: you think your best money habit is. 570 00:26:21,480 --> 00:26:24,880 Speaker 2: I'm very good at having a baseline. So I work 571 00:26:24,920 --> 00:26:27,359 Speaker 2: in shift work, so I have a base pay that 572 00:26:27,440 --> 00:26:29,720 Speaker 2: I earn, and then anything over that, I'm very good 573 00:26:29,760 --> 00:26:32,119 Speaker 2: at going no, that's what we invest, we don't need to. 574 00:26:32,760 --> 00:26:36,440 Speaker 2: That's our extra money. Let's budget based on our base 575 00:26:36,520 --> 00:26:40,920 Speaker 2: pace to anything extra. I'm very good at differentiating and 576 00:26:41,119 --> 00:26:43,000 Speaker 2: just putting it straight aside, and if I invest it 577 00:26:43,000 --> 00:26:44,639 Speaker 2: straight away then I won't spend it. 578 00:26:45,000 --> 00:26:48,159 Speaker 3: Fair fair And was that something that took a bit 579 00:26:48,240 --> 00:26:50,720 Speaker 3: of like mindset shift to get to or is that 580 00:26:50,840 --> 00:26:52,480 Speaker 3: something that you were like, No, it just made sense 581 00:26:52,480 --> 00:26:54,760 Speaker 3: because I feel like so many of us that do 582 00:26:54,920 --> 00:26:57,800 Speaker 3: shift work in our community are like, no, that's extra money, 583 00:26:57,800 --> 00:26:59,639 Speaker 3: and I blow it like that's my fund money. No, 584 00:26:59,720 --> 00:27:01,400 Speaker 3: I just that because I work too late. 585 00:27:01,840 --> 00:27:03,720 Speaker 2: I was really worried that would do that, and I 586 00:27:03,760 --> 00:27:05,840 Speaker 2: think that's why I did it that way. I was like, 587 00:27:06,160 --> 00:27:08,720 Speaker 2: if I'm getting double time for working on a Sunday, 588 00:27:09,280 --> 00:27:12,640 Speaker 2: just save it or do something with it, and investing 589 00:27:12,680 --> 00:27:14,600 Speaker 2: it means I won't spend it. If I just put 590 00:27:14,640 --> 00:27:17,000 Speaker 2: it in an account, I would find something I could 591 00:27:17,000 --> 00:27:18,200 Speaker 2: spend it on. Yeah. 592 00:27:18,280 --> 00:27:20,240 Speaker 3: And I am also like that, not that I do 593 00:27:20,359 --> 00:27:22,720 Speaker 3: shift work, but like I have to allocate it or 594 00:27:22,840 --> 00:27:25,119 Speaker 3: I will spend it. I will find something for that. 595 00:27:25,600 --> 00:27:28,960 Speaker 3: I'm very good at that. I'm a resourceful queen on 596 00:27:29,160 --> 00:27:30,480 Speaker 3: asalt dot com at the moment. 597 00:27:31,080 --> 00:27:34,399 Speaker 2: Literally any website, Instagram ads, they just they kill you. 598 00:27:34,640 --> 00:27:38,679 Speaker 3: Oh TikTok ads get me. They're so bad. Money dares 599 00:27:38,760 --> 00:27:41,240 Speaker 3: to tell me what is your worst money habit. 600 00:27:41,400 --> 00:27:44,479 Speaker 2: If I want it, I'll do it. If I say, oh, 601 00:27:44,600 --> 00:27:47,080 Speaker 2: let's go on a holiday somewhere, it will happen some 602 00:27:47,400 --> 00:27:50,639 Speaker 2: way or another, it will happen. And that's not always 603 00:27:50,840 --> 00:27:55,200 Speaker 2: most financially smart decisions. And I don't tend to skimp 604 00:27:55,440 --> 00:27:58,720 Speaker 2: or yeah, I won't necessarily cut back. If I want 605 00:27:58,760 --> 00:28:00,720 Speaker 2: to do something a certain way, it will get done 606 00:28:00,760 --> 00:28:02,640 Speaker 2: that way, come hell or high water. 607 00:28:03,200 --> 00:28:05,760 Speaker 3: Yeah, okay, I kind of love that because it looks 608 00:28:05,800 --> 00:28:08,280 Speaker 3: like you've like supported yourself well and I mean you've 609 00:28:08,280 --> 00:28:11,960 Speaker 3: got an investment property, like you're structuring yourself really well. 610 00:28:12,359 --> 00:28:15,320 Speaker 3: But also you're saying that's going to happen regardless. 611 00:28:15,480 --> 00:28:17,760 Speaker 2: Yeah, pretty much. Yeah, And there's certain things that I 612 00:28:17,800 --> 00:28:19,399 Speaker 2: will skim and save on, like I don't want to 613 00:28:19,400 --> 00:28:20,920 Speaker 2: pay for parking at work, and I don't want to 614 00:28:20,920 --> 00:28:23,240 Speaker 2: buy that extra cup of coffee, but I want to 615 00:28:23,280 --> 00:28:25,560 Speaker 2: go to Europe. Oh yeah, that'll happen. We'll find a way. 616 00:28:25,680 --> 00:28:28,159 Speaker 3: Fair And now that we've spoken at the start of 617 00:28:28,200 --> 00:28:30,440 Speaker 3: the episode, you were like, I'm a bee, what would 618 00:28:30,480 --> 00:28:32,840 Speaker 3: it take to get you to be an a Like 619 00:28:32,920 --> 00:28:34,879 Speaker 3: what would that actually look like for you? 620 00:28:35,080 --> 00:28:36,879 Speaker 2: I need to be much better with my budgeting. I 621 00:28:36,960 --> 00:28:40,120 Speaker 2: think that as good as I can be with saving 622 00:28:40,240 --> 00:28:43,920 Speaker 2: and putting money into investments and things like that. As 623 00:28:43,920 --> 00:28:45,400 Speaker 2: I said, I'm very good at just going, oh no, 624 00:28:45,480 --> 00:28:47,719 Speaker 2: let's just do that and we'll just spend the money anyway. 625 00:28:48,760 --> 00:28:51,360 Speaker 2: I think if I budgeted better, that probably wouldn't be 626 00:28:51,440 --> 00:28:53,080 Speaker 2: such a hit as often as it is. 627 00:28:53,480 --> 00:28:55,959 Speaker 3: And what does your budgeting system look like right now? 628 00:28:56,160 --> 00:28:59,200 Speaker 3: Like what would make it better? Like is it a spreadsheet? 629 00:28:59,320 --> 00:29:00,760 Speaker 3: Is it a back of a napkin? 630 00:29:01,040 --> 00:29:01,080 Speaker 2: Like? 631 00:29:01,200 --> 00:29:02,080 Speaker 3: What does that look like? 632 00:29:02,160 --> 00:29:05,240 Speaker 2: Spreadsheets? Yeah, I like spreadsheets. I probably just need to 633 00:29:05,280 --> 00:29:08,520 Speaker 2: be a little bit better at not trying to overextend 634 00:29:08,560 --> 00:29:10,400 Speaker 2: and going or you know, leave a little bit of 635 00:29:10,520 --> 00:29:15,160 Speaker 2: room for movement, or maybe actually assessing what things cost 636 00:29:15,240 --> 00:29:17,760 Speaker 2: a little bit better than what I sometimes do, and 637 00:29:18,000 --> 00:29:20,440 Speaker 2: just actually allocating money a little bit better. 638 00:29:20,680 --> 00:29:24,280 Speaker 3: But that's confronting, like having to look at it and go, oh, 639 00:29:24,400 --> 00:29:27,800 Speaker 3: groceries don't actually cost that they cost fifty dollars more 640 00:29:27,880 --> 00:29:30,320 Speaker 3: than that. I don't want to know like I do, 641 00:29:30,840 --> 00:29:33,680 Speaker 3: And obviously I'm I would say that I'm a budget queen, 642 00:29:33,920 --> 00:29:36,640 Speaker 3: Like I'm in my spreadsheet every second day. I actually 643 00:29:36,680 --> 00:29:39,120 Speaker 3: have mine saved on my desktop of my computer, and 644 00:29:39,200 --> 00:29:41,120 Speaker 3: whenever I see it, I click it, I'm like, oh, yeah, 645 00:29:41,160 --> 00:29:43,080 Speaker 3: where are we at? Has anything changed? Because I love 646 00:29:43,200 --> 00:29:45,840 Speaker 3: updating it. But I'm going to gift you my money 647 00:29:45,880 --> 00:29:49,080 Speaker 3: master Class, which has the budgeting spreadsheet that I've built 648 00:29:49,120 --> 00:29:52,840 Speaker 3: in it, which is going to force you, apologies in advance, 649 00:29:53,200 --> 00:29:56,000 Speaker 3: to actually go through what everything costs, because then it 650 00:29:56,120 --> 00:29:58,960 Speaker 3: spits out, Okay, if all of this costs this, this 651 00:29:59,200 --> 00:30:01,480 Speaker 3: is the account that those need to go into. This 652 00:30:01,640 --> 00:30:04,200 Speaker 3: is how much you're spending here like tells you everything. 653 00:30:04,440 --> 00:30:07,000 Speaker 2: No, that's amazing. Yeah, I probably need to. 654 00:30:07,200 --> 00:30:08,880 Speaker 3: So I'll set you up with that as a little 655 00:30:08,960 --> 00:30:12,040 Speaker 3: thank you for doing such a good money diary. But 656 00:30:12,240 --> 00:30:14,120 Speaker 3: I also think that it will really help you if 657 00:30:14,120 --> 00:30:15,680 Speaker 3: you're like, oh, I just need to like do it, 658 00:30:16,440 --> 00:30:18,040 Speaker 3: I'll give you a new, shiny one to. 659 00:30:18,080 --> 00:30:20,200 Speaker 2: Do it with. Yeah, and sometimes all you need is 660 00:30:20,280 --> 00:30:22,040 Speaker 2: new and shiny and that makes you do it right. 661 00:30:22,400 --> 00:30:25,520 Speaker 3: And it's pink like I'm here for it. Your husband 662 00:30:25,600 --> 00:30:27,080 Speaker 3: might not love it as much as you do, but 663 00:30:27,200 --> 00:30:29,200 Speaker 3: it sounds like you're in control of that anyway. So 664 00:30:29,320 --> 00:30:31,680 Speaker 3: sit down, could not care less? Yes, sit down? 665 00:30:31,760 --> 00:30:36,640 Speaker 2: So it goes, Oh, okay, why are they like this. Yeah, 666 00:30:37,080 --> 00:30:39,040 Speaker 2: he just looks at it and goes, yeah, you do whatever. 667 00:30:39,960 --> 00:30:43,080 Speaker 3: Thanks King, I love that for us anyway, Money Dirist, 668 00:30:43,160 --> 00:30:45,160 Speaker 3: it has been a pleasure sharing this time with you 669 00:30:45,520 --> 00:30:47,920 Speaker 3: and just getting to know your money story. But also 670 00:30:48,360 --> 00:30:50,719 Speaker 3: thank you for sharing so much about arguably a very 671 00:30:50,840 --> 00:30:53,200 Speaker 3: vulnerable journey, Like that's a lot and to come on 672 00:30:53,280 --> 00:30:55,320 Speaker 3: a podcast and be like, hey, I'd like to talk 673 00:30:55,360 --> 00:30:58,360 Speaker 3: about my husband's cancer diagnosis and what the insurance process 674 00:30:58,440 --> 00:31:01,760 Speaker 3: looked like, like that's not litto. So I really do 675 00:31:01,920 --> 00:31:05,320 Speaker 3: appreciate it because I just my hope for this episode 676 00:31:05,760 --> 00:31:08,120 Speaker 3: is that people go, I've been thinking about it, I 677 00:31:08,200 --> 00:31:10,280 Speaker 3: know I need to do it, and then they actually 678 00:31:10,560 --> 00:31:12,480 Speaker 3: do it, because we all think it's going to be 679 00:31:12,520 --> 00:31:14,680 Speaker 3: someone else, Like we all think, oh, that'll never happen 680 00:31:14,760 --> 00:31:15,880 Speaker 3: to me, and then it is you. 681 00:31:16,560 --> 00:31:19,120 Speaker 2: Absolutely and it's even just the quick fifteen minute chat 682 00:31:19,200 --> 00:31:21,160 Speaker 2: with them. Have a chat, they'll hook. 683 00:31:21,000 --> 00:31:24,240 Speaker 3: You in exactly exactly all right, Well, have a good 684 00:31:24,280 --> 00:31:26,640 Speaker 3: rest of the day. Thank you so much for joining us. 685 00:31:26,960 --> 00:31:27,280 Speaker 2: Thank you. 686 00:31:32,600 --> 00:31:35,200 Speaker 4: The advice shared on She's on the Money is generally 687 00:31:35,360 --> 00:31:39,120 Speaker 4: nature and does not consider your individual circumstances. She's on 688 00:31:39,200 --> 00:31:42,600 Speaker 4: the Money exists purely for educational purposes and should not 689 00:31:42,760 --> 00:31:45,720 Speaker 4: be relied upon to make an investment or financial decision. 690 00:31:46,120 --> 00:31:48,560 Speaker 4: If you do choose to buy a financial product, read 691 00:31:48,600 --> 00:31:51,920 Speaker 4: the PDS TMD and obtain appropriate financial. 692 00:31:51,520 --> 00:31:53,240 Speaker 3: Advice tailored towards your needs. 693 00:31:53,680 --> 00:31:57,560 Speaker 4: Victoria Divine and She's on the Money are authorized representatives 694 00:31:57,680 --> 00:32:01,080 Speaker 4: of Money SHPA Pty Ltd. A b N three two 695 00:32:01,200 --> 00:32:04,480 Speaker 4: one six four nine two seven seven zero eight a 696 00:32:04,720 --> 00:32:07,000 Speaker 4: F s L four five one two eight nine