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

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Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before

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

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

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

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

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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and

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

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 2: Let's you get a bit of insight about other people's

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Speaker 2: money habits, obviously for educational purposes. Welcome back to another

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Speaker 2: one of our money diaries where I get the absolute

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Speaker 2: pleasure of sitting down and having a chat with one

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Speaker 2: of our beautiful She's on the Money community members and

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Speaker 2: talking all about their money story. Let's jump straight into it,

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Speaker 2: because this week I got a message and it sounded

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Speaker 2: exactly like this, Dear She's on the Money. When I

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Speaker 2: moved from Brazil, to Australia seven years ago. I had

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Speaker 2: just one thousand dollars to my name. So to save money,

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Speaker 2: I did some more unconventional things, like spending two years

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Speaker 2: living on a sailing boat plus a year commuting on

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Speaker 2: an electric bike. Last year, I launched my side huzzle,

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Speaker 2: focused on empowering women to embrace their curly hair. Now

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Speaker 2: I've paid off my car and I'm on track to

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Speaker 2: buy my first property. Money doarist. That's so exciting. Welcome

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Speaker 2: to the show.

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Speaker 4: Thank you. I'm so excited to be here.

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Speaker 2: I'm so excited as well, because like I've just jumped

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Speaker 2: on this curly hair journey band again and it's actually crazy,

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Speaker 2: Like I didn't realize there was an entire community about

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Speaker 2: women who had curly hair and how to deal with it.

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Speaker 2: I just thought for the longest time, I just looked

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Speaker 2: like Hagrid, Like I just figured I had the same

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Speaker 2: hair as Hagrid, and I just knew that the way

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Speaker 2: that I had to deal with my hair was to

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Speaker 2: like blow you right straight before I could do anything,

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Speaker 2: and that was my bread and butter. And then after

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Speaker 2: having a baby, obviously side note or money diaries, but

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Speaker 2: after having a baby, I'm like the amount of times

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Speaker 2: I got out of the shower and didn't have time

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Speaker 2: to dry my hair or do anything and it just

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Speaker 2: started curling. And I'm like, is there something to this?

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Speaker 2: Turns out there is.

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Speaker 4: Yeah, So welcome to this journey of being a curly

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Speaker 4: hair girl. And I promise you you one regret. I

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Speaker 4: wearing my natural hair since I was eighteen, and you know,

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Speaker 4: back in the day, we didn't have so much like

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Speaker 4: YouTube channels and knowledge about it and even like hairdress

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Speaker 4: as specialized in curly hair. So I just want to

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Speaker 4: tell you enjoyed the journey, because worth it and I'm

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Speaker 4: just so passionate about it.

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Speaker 2: Oh, I can tell and I can't wait to get

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Speaker 2: into it. But before we get there, money Durist, if

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Speaker 2: I asked you to give your money habits a grade

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Speaker 2: from A three to F, what grade would you give them?

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Speaker 4: I think I'm sitting ad be.

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Speaker 2: Minus a seep minus. I love that. I want to

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Speaker 2: know more about you, though. Can you tell me a

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Speaker 2: little bit more about your international money story.

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Speaker 4: Yeah. So basically, I'm the grown child of a brick

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Speaker 4: layer and I stay at home mom from Brazil and

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Speaker 4: they had eleven children.

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Speaker 2: Eleven kids. My goodness all times.

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Speaker 4: And so my dad didn't grow up around a lot

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Speaker 4: of money. Everything was really scars and I think that,

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Speaker 4: you know, came to generations to me because my dad

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Speaker 4: always he would reply, Dad, can I go to the movies?

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Speaker 4: Or can I go to someone's house? Or can I

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Speaker 4: do this or that? And always there a default, and

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Speaker 4: so I was there's no money, there's no money. So

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Speaker 4: I grew up hearing that, and I think didn't help me.

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Speaker 4: You know, like after I decided to move to Australia,

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Speaker 4: I used to panic myself about there's no money, there's

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Speaker 4: no money, but no, there is. There is is just

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Speaker 4: a question of me budgeting, you know, organizing myself and

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Speaker 4: work hard so I can you know, leave comfortably and

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Speaker 4: feel more comfortable about money and talking about money because

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Speaker 4: at home we didn't talk about it. It's just a

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Speaker 4: question of no, there's no money, we don't talk about it.

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Speaker 2: Yeah, no, that's fair, And I feel like that would

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Speaker 2: be really common if you know, your dad was one

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Speaker 2: of eleven and you didn't have heaps and then it

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Speaker 2: just filters down and down, right, So what did that

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Speaker 2: look like as you started to get a little bit older.

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Speaker 4: I went to a private school, but with scholarship, which

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Speaker 4: I think made me create good connections and learn different

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Speaker 4: things from like going to a different type of school

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Speaker 4: back home. And also my parents were really focusing on education.

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Speaker 4: We didn't have holidays. I just went overseas when I

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Speaker 4: was like twenty one. This year was the first year

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Speaker 4: that they traveled overseas. So they always put so much

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Speaker 4: effort into education, and I think what changed for me

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Speaker 4: was that I went to learn English from I think

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Speaker 4: ten years old, and that was something that really opened

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Speaker 4: my mind to you know, in the future, now the

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Speaker 4: track ten years later, considering moved to Australia and build

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Speaker 4: a life here.

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Speaker 2: Yeah, that's actually really cool. Was that something that you

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Speaker 2: were really purposeful about going, Oh, English is going to

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Speaker 2: open my opportunities or was it just a cool other

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Speaker 2: language you go to learn, or like what was the

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Speaker 2: segue of that.

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Speaker 4: I always liked a new language, and I think in

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Speaker 4: my mind was like, there's only a small amount of

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Speaker 4: people that speaks Portuguese, and so the knowledge in Portuguese

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Speaker 4: is very would say limitated. If I learned a lot

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Speaker 4: another language, English or Spanish, you know, that opens up

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Speaker 4: a whole new universe of information. Knowledge, and I was

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Speaker 4: always very curious about you know, the other site.

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Speaker 2: I love that, but like that's such an intelligent way

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Speaker 2: of looking at it, like I hadn't thought about. I

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Speaker 2: guess language in that way, that language could be limiting

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Speaker 2: because it only has so many you know, translations of

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Speaker 2: things or accent like that is very interesting.

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Speaker 4: Oh and I think you know the amount of information

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Speaker 4: that you lost on translation. That's also you know, like

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Speaker 4: you lose so much. So I don't know it was

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Speaker 4: I think for me to always you know, looking for

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Speaker 4: something in English and be curious about it, I really

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Speaker 4: enjoyed knowing the meaning of words. So learning a new

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Speaker 4: language it has been always exciting for me. That's why

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Speaker 4: I was like, yeah, let's you know, learn English and

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Speaker 4: learn Spanish and expand my knowledge a little bit broader.

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Speaker 2: Yeah, that is very cool. So you learn English on

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Speaker 2: the horizon one day was maybe an international move. What

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Speaker 2: happened next?

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Speaker 4: I went to the university. I did journalists back home,

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Speaker 4: and I knew that if I want to work in

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Speaker 4: somewhere in a bigger company, I need to learn English,

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Speaker 4: not as the basic, but I will need to learn

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Speaker 4: like vocabulary, structure and everything. So I graduate you need.

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Speaker 4: Twelve years ago and I had a friend that he

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Speaker 4: was DTV reporter for ESPN and he was like, Okay,

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Speaker 4: you graduated, Now are you gonna do. I was like, work,

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Speaker 4: you know, I really want to work full time because

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Speaker 4: I just finished UNI. I want to have, you know,

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Speaker 4: a good wage and a good living. And he was like, oh,

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Speaker 4: I think you will love Australia. So if it's something

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Speaker 4: that you know, you want to go for a bigger job,

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Speaker 4: like a multinational company, I think it's something that you

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Speaker 4: should pursue. And Gold Coast is really similar to I

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Speaker 4: was living at Floridaanapolis. It's a small island in the

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Speaker 4: south of Brazil. He was like, it's really similar to here.

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Speaker 4: The weather is similar, the vibe. I think you're gonna

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Speaker 4: love it. And I was like, oh okay, and then

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Speaker 4: I made it happen.

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Speaker 2: You made it happen. I love that. Was He right?

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Speaker 2: Is the vibe similar to the Gold Coast.

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Speaker 4: One hundred percent?

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Speaker 2: Oh really?

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Speaker 4: Yeah. The weather is the same, the serf vibe, the

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Speaker 4: holiday vibe. Because Florida Anopolis there's no heavy industry there,

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Speaker 4: like no manufacturing industry there, so it's really similar to

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Speaker 4: the Gold cost in terms of tourism and services industry,

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Speaker 4: and the vibe is just the same.

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Speaker 2: I love it here, but is really cool. I love

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Speaker 2: that because it could have been so disappointing if you

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Speaker 2: got here and you're like, what is this? This is

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Speaker 2: nothing like Brazil. So you moved here, you only had

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Speaker 2: one thousand dollars to your name, how did you survive?

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Speaker 2: Because one thousand dollars and no job and being in

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Speaker 2: a new country is a little bit scary.

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Speaker 4: It is. And I only had that money because I

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Speaker 4: had a friend that she was working as a cabin

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Speaker 4: crew for an international company and she gave me the

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Speaker 4: staff ticket, so I basically paid nothing. But the ticket

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Speaker 4: was only to Sydney, so it was from some outlook

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Speaker 4: to Sydney and then from Sydney I got a buzz.

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Speaker 4: It was sixteen hours on a bus on the Greyhound

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Speaker 4: Buzz from Sydney to Brisbane. At the time, because when

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Speaker 4: I was nineteen, I met an ossie guy.

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Speaker 2: Oh here we go.

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Speaker 4: In some poulo and we become really good friends, but

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Speaker 4: we disconnected. We dated for a while, but then we

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Speaker 4: disconnected for probably eight years. And then when I had

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Speaker 4: all my visa documentation, good to go. I sent him

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Speaker 4: an email asking if he could proof read it because

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Speaker 4: he was the only person that I knew that would

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Speaker 4: speak English as first language, and I was like, can

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Speaker 4: you just read my letter off intention? And then we

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Speaker 4: reconnected on that. Ah.

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Speaker 2: Was that a little bit strategic as well, because I

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Speaker 2: think that could have worked, like, oh, hey, like, can

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Speaker 2: you prove read this? I happen to becoming me you Yeah,

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Speaker 2: she's a smart cookie.

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Speaker 4: It was funny because he mentioned that the most expensive

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Speaker 4: been in Australia is rent. Yes, so if I need

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Speaker 4: to stay on the boat with him, I could because

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Speaker 4: he grew up on a sailing boat in his entire life.

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Speaker 4: And I was like, ah, okay, I only have a

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Speaker 4: thousand dollars, so I don't have money to pay a

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Speaker 4: bond or anything, so let's give that a go.

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Speaker 2: So you just moved internationally to come live with this

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Speaker 2: guy that you hadn't spoken to for eight years on

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Speaker 2: a boat exactly. I'm obsessed what happened.

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Speaker 4: Oh we lived together for like two years, two years

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Speaker 4: and a half.

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Speaker 2: Is this like a romantic relationship or were you it's

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Speaker 2: not housemates when it's a boat, maybe boat mates?

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Speaker 4: I think for the first two weeks we were boat mate. Yeah,

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Speaker 4: and then we felt industrating to it because we were

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Speaker 4: living together. We knew each other for like ten years,

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Speaker 4: you know, we Yeah, we had a good connection and yeah,

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Speaker 4: so it was two years and a half and I

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Speaker 4: expected that we would be singingling way more than we did.

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Speaker 4: And I think part of it was, you know, I

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Speaker 4: just arrived in a new country. I need to find job,

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Speaker 4: I need to study it, I need to make connections.

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Speaker 4: And it's really hard to go sailing to find the

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Speaker 4: perfect window when you need to have the perfect wind,

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Speaker 4: you need to have the perfect current, needs to match

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Speaker 4: my schedule, needs to match his schedule. So we didn't

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Speaker 4: sail as much as I thought. So I was like, oh, yeah,

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Speaker 4: I live on my sailing both for two years and

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Speaker 4: a half. Yeah, but I didn't sail that much.

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Speaker 2: That's kind of fun though, like you just lived on

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Speaker 2: a boat.

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Speaker 4: Yeah, and you know, like learn to be very savvy

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Speaker 4: about my space and the things that I would I

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Speaker 4: didn't buy much because you know, one, I didn't have

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Speaker 4: the money too, I didn't have the space for it.

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Speaker 4: My wardrobe was so small, I think it was a

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Speaker 4: middle I had like three or four pairs of shoes.

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Speaker 4: That was it and I made it happen and it

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Speaker 4: was fun. I want to go back living on a

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Speaker 4: boat at some point in my life. My ben the

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Speaker 4: feature with more structure and time, for sure.

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Speaker 2: Yeah, for sure. So what happened two and a half

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Speaker 2: years on a boat?

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Speaker 4: Now?

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Speaker 2: Where are you now?

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Speaker 4: I'm living on a Go Coast. I live in our unit,

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Speaker 4: and I work for Big Aussy retail brand and I'm

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Speaker 4: responsible for the organic traffic. And last year, no, two

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Speaker 4: years ago, I launched my own brand about super products

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Speaker 4: to help me with my curly hair.

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Speaker 2: That's very cool. I love it. So what happened to

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Speaker 2: our boat romance? Is he still on the boat now

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Speaker 2: you're in an apartment? Tell me more.

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Speaker 4: Yeah, he's still on the boat. And I tried to

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Speaker 4: convince him to move to the Go Coast. He didn't want,

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Speaker 4: and I was like, we don't need even to pack anything.

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Speaker 4: We just need to pull the anchor up and move

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Speaker 4: to the Go Coast, you know, like.

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Speaker 2: Like we can actually move there right now exactly.

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Speaker 4: You know, let's check the tide, let's check the wind,

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Speaker 4: and off we go. But he didn't want. And at

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Speaker 4: the time I was commuting from the Go Coast to

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Speaker 4: Brisbane three days a week on the train. It was

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Speaker 4: so exhausting and I was like, I'm going to go

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Speaker 4: to move on the Go coast because I need that,

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Speaker 4: and he didn't want and that's why we broke up.

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Speaker 2: Yep, catch up.

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Speaker 4: He still has the boat and I even pitched to

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Speaker 4: buy it from him. I was like, I can buy

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Speaker 4: it from you, but I was like, oh, it's too

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Speaker 4: much work for me to manage a full time job.

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Speaker 2: Yeah, that's a lot of work.

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Speaker 4: Yeah, yeah, it's too much. Yeah.

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Speaker 2: Absolutely. So I want to know more about you. You said,

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Speaker 2: I work for a big, aussy retail brand. So what

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Speaker 2: is your job titled? And how much money do you win?

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Speaker 4: I'm a search agent optimization specialist, which means that I'm

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Speaker 4: responsible to help the company to be on page one

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Speaker 4: of Google and I own ninety K is.

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Speaker 2: That including or excluding Super?

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Speaker 4: Excluding? So I have that plus super?

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Speaker 2: Oh how cool. That's a good job.

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Speaker 4: Yeah, And that was something that after listening to the podcast,

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Speaker 4: I was like, I need to be aware of these

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Speaker 4: that are want of my salary plus Super. I don't

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Speaker 4: want it to be included on it.

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Speaker 2: Yes, I love that. I was having a job interview

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Speaker 2: the other day, or I was interviewing someone the other

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Speaker 2: day and I, you know, got onto salary and I

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Speaker 2: was saying, what would you like the role to pay?

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Speaker 2: You know, it sits between here and here? And they

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Speaker 2: said a number and I said, is that including or

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Speaker 2: excluding Super? And the La Victoria? If you've taught me anything,

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Speaker 2: it's excluding Super? Is plus Super? And I was like, yes, queen, exactly, exactly, Yeah, yeah,

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Speaker 2: it was the best. I loved it. I was like,

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Speaker 2: you have learnt. Well, well tell me a bit more.

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Speaker 2: Now you've moved to Australia obviously, you've you know, put

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Speaker 2: down a few more routes, moved off the boat. What

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Speaker 2: are your big money goals now? What are you currently

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Speaker 2: working towards.

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Speaker 4: I really want to buy a property this year. I'm

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Speaker 4: aiming for September October. I want to buy a small unit,

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Speaker 4: but I don't want to be renting anymore. That's what

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Speaker 4: I decided kind of two years ago. I got a

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Speaker 4: little bit sidetracked with my goals. But now you know,

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Speaker 4: twenty twenty five, new year, new me. I'm all in

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Speaker 4: for that and I'm on track.

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Speaker 2: Oh that's so exciting. What does that mean if you

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Speaker 2: saved are you planning on accessing any grants or schemes

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Speaker 2: or like, what's the plan around buying a small unit

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Speaker 2: this year?

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Speaker 4: Saving for a deposit. I'm doing some extra gigs, some

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Speaker 4: extra jobs like consultancy and also trans leading text from

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Speaker 4: English to Portuguese. Oh cool for another company. Yeah, you know,

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Speaker 4: it's a good side hushole. I can do anytime. I

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Speaker 4: have kind of two weeks to complete the job, so

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Speaker 4: after work or on the weekends, I can do that

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Speaker 4: and they paying me thirty two dollars an hour.

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Speaker 2: Hey, that's cool. That's cool. Nice money on the side,

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Speaker 2: especially flexible, Like you know, there's lots of flexible side

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Speaker 2: hustles going around, but not many of them. Can you

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Speaker 2: do them on the couch while you're watching maths? So

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Speaker 2: that's pretty exciting exactly.

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Speaker 4: And it's all on my life quite easily because I'm

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Speaker 4: on Air's lack group where they post some jobs and

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Speaker 4: they needed someone with that it speaks a native Brazil

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Speaker 4: and Portuguese, and I was like, oh, I can do that.

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Speaker 4: Why not and pay me? Is okay?

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Speaker 2: So yeah, that's really cool. I love that. Let's go

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Speaker 2: to a really quick break because on the flip side,

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Speaker 2: I want to talk more about this property journey. I

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Speaker 2: want to talk about him. I want to talk about debt,

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Speaker 2: and then your best and worst money habits, because I

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Speaker 2: have a sneaky suspicion you've got some pretty good money

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Speaker 2: habits because you had to be so strict with yourself

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Speaker 2: living on a boat, so guys don't go anywhere money Diarist.

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Speaker 2: We are back, and this is such a fun conversation,

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Speaker 2: Like I just love how you were, Like, ah, my

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Speaker 2: friend said that the Gold Coast is a little bit

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Speaker 2: like where I'm currently from, and therefore I'll love it.

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Speaker 2: I'm just going to move overseas, Like not only am

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Speaker 2: I going to move overseas, I'm going to do it,

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Speaker 2: and I don't have heaps of money, don't have a plan,

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Speaker 2: Like you didn't come and check it out first. You

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Speaker 2: just got on a plane, came over and I guess

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Speaker 2: I live here now, So tell me where did you

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Speaker 2: get the confidence for that? Because I feel like even

337
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Speaker 2: I going on an interstate trip on my own, I'm like, oh,

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Speaker 2: I don't know if I like this, Like I'm going

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00:18:50,640 --> 00:18:54,880
Speaker 2: to Sydney by myself, but you're just jumping countries at

340
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Speaker 2: this point, So tell me what drove that, like, how

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Speaker 2: did you know that was going to work out?

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Speaker 4: Well, I didn't know, but I hate missing an opportunity.

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Speaker 4: I hate that. And I was like, Okay, I have

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Speaker 4: a job. I had a cool job back home. I

345
00:19:12,400 --> 00:19:18,040
Speaker 4: was doing marketing and pr for a big beer brand.

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Speaker 4: But I was not earning enough and I didn't have

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Speaker 4: a boyfriend. I didn't have kids. My parents are you know,

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Speaker 4: they're really healthy. And I was like, if I don't

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Speaker 4: do it in now, I won't do it if I

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00:19:31,240 --> 00:19:34,600
Speaker 4: find someone, and things will become really hard. I was like,

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Speaker 4: now it's the time. If I don't do it now,

352
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Speaker 4: I want to do it later. I will get too comfortable.

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Speaker 4: I'm cancer. I like home.

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Speaker 2: I'm a cancer as well. That's why I'm like, I'm

355
00:19:44,800 --> 00:19:47,239
Speaker 2: a Cancerrian Like, there's no way I would do that.

356
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Speaker 2: I love my home, like I like my creature comforts.

357
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Speaker 2: I like to know and be in control of what's

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Speaker 2: going on. And that's just so far out of control.

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Speaker 4: Yeah, yeah it is.

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Speaker 2: But you did it and it worked.

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Speaker 4: Yeah, work out well. And I told my mom that

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Speaker 4: I would come back after six months. I knew dip

363
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Speaker 4: down that I wouldn't.

364
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Speaker 2: But that made you feel better. I like it. And

365
00:20:09,080 --> 00:20:10,680
Speaker 2: how many years has it been now?

366
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Speaker 4: Sventain?

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Speaker 2: Sorry, Mom, Yeah, wolves talk to me about investing. I

368
00:20:19,560 --> 00:20:21,840
Speaker 2: know that you listen to the Shees on the Money podcast.

369
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Speaker 2: Are you investing? Is there a plan? What does that

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Speaker 2: look like in your life?

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Speaker 4: So I have my superannuation. I learned that, and I

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00:20:31,200 --> 00:20:35,840
Speaker 4: have an account A shows this and I'm getting a

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Speaker 4: percentage of the money that I spend in shopping and

374
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Speaker 4: that goes automatically to it.

375
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Speaker 2: Oh cool, you've got roundups.

376
00:20:44,440 --> 00:20:47,440
Speaker 4: Yes, that one. And I really like that feature because

377
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Speaker 4: I don't need to think about it.

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00:20:49,760 --> 00:20:51,960
Speaker 2: Yeah, I just switched it on. And I know that

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00:20:52,400 --> 00:20:54,199
Speaker 2: you know, that's a privilege to be able to do that,

380
00:20:54,359 --> 00:20:56,480
Speaker 2: But I just turned it on because I was like,

381
00:20:57,080 --> 00:21:00,640
Speaker 2: I'm consistently investing, But like all the little things, they

382
00:21:00,720 --> 00:21:02,399
Speaker 2: also add up. And I mean, if I'm gonna have

383
00:21:02,440 --> 00:21:05,359
Speaker 2: a little coffee as a treat, I think that my

384
00:21:05,440 --> 00:21:07,320
Speaker 2: investment should benefit as well.

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00:21:07,920 --> 00:21:12,280
Speaker 4: There I go. Yeah. And also I think if I

386
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Speaker 4: go to the end of the week when I receive

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00:21:14,800 --> 00:21:18,159
Speaker 4: my payment and then I transfer I don't know, one

388
00:21:18,200 --> 00:21:22,040
Speaker 4: hundred dollars feels really heavy. Yeah, and if I just

389
00:21:22,119 --> 00:21:25,480
Speaker 4: have five dollars years five dollars there. It doesn't like

390
00:21:25,640 --> 00:21:29,600
Speaker 4: add up in a good way, not as heavy on me.

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00:21:29,880 --> 00:21:32,920
Speaker 2: It kind of is like controlled money leaking, like when

392
00:21:32,920 --> 00:21:35,560
Speaker 2: you're not in control of your budget, right you like

393
00:21:35,680 --> 00:21:37,520
Speaker 2: look back on the month that was and you're like,

394
00:21:37,600 --> 00:21:40,560
Speaker 2: my gosh, like my money just disappeared, and then you

395
00:21:40,600 --> 00:21:42,639
Speaker 2: realize it was on like a coffee here or there,

396
00:21:42,800 --> 00:21:44,919
Speaker 2: or you might have like picked up like a snack

397
00:21:45,000 --> 00:21:46,879
Speaker 2: for five dollars, because like sometimes you just look at

398
00:21:46,920 --> 00:21:49,320
Speaker 2: your bank account and you're like, oh, five dollars won't hurt,

399
00:21:49,320 --> 00:21:51,040
Speaker 2: that's fine. I will have a croissant, like and you

400
00:21:51,119 --> 00:21:54,040
Speaker 2: just don't think about these things and like that's fine.

401
00:21:54,119 --> 00:21:55,399
Speaker 2: But by the end of the month you're like, I

402
00:21:55,440 --> 00:21:58,040
Speaker 2: don't know where my money's gone. But you're kind of

403
00:21:58,080 --> 00:22:01,440
Speaker 2: doing that with investments, so you don't notice. And then

404
00:22:01,480 --> 00:22:03,040
Speaker 2: all of a sudden you look and you're like, oh,

405
00:22:03,080 --> 00:22:05,879
Speaker 2: my money's gone. That's fine, Like that makes sense. But

406
00:22:06,000 --> 00:22:09,440
Speaker 2: your investment is over there laughing because it's doing so well.

407
00:22:09,720 --> 00:22:11,720
Speaker 4: And then when I look at my wallet at the

408
00:22:12,040 --> 00:22:15,000
Speaker 4: investment app and it's like, oh there, I no, I

409
00:22:15,040 --> 00:22:17,399
Speaker 4: didn't know that I had that much money.

410
00:22:18,240 --> 00:22:20,920
Speaker 2: I love that for you, So tell me about debt.

411
00:22:21,320 --> 00:22:24,399
Speaker 2: Have you ever been in debt? Have you got debt

412
00:22:24,480 --> 00:22:26,280
Speaker 2: at the moment? How do you feel about it?

413
00:22:26,320 --> 00:22:29,919
Speaker 4: Six months ago, I paid off my car. It was

414
00:22:30,000 --> 00:22:33,360
Speaker 4: my first car that I paid with my money.

415
00:22:33,160 --> 00:22:34,800
Speaker 2: And I ah good.

416
00:22:34,960 --> 00:22:38,840
Speaker 4: Every time that I open it, I'm feel so proud

417
00:22:38,920 --> 00:22:43,320
Speaker 4: and so happy to have that car. And currently I

418
00:22:43,600 --> 00:22:48,520
Speaker 4: just sign up for a payment plan for egg freezing procedure,

419
00:22:48,880 --> 00:22:51,280
Speaker 4: so I'm in debt for that.

420
00:22:51,560 --> 00:22:52,920
Speaker 2: For egg freezing? Was that?

421
00:22:53,160 --> 00:22:53,560
Speaker 4: Yeah?

422
00:22:53,640 --> 00:22:54,320
Speaker 2: Yeah cool?

423
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Speaker 4: I needed to do that because I'm turning twenty five

424
00:22:58,440 --> 00:23:01,680
Speaker 4: this year, so I needed to do it now. And

425
00:23:01,760 --> 00:23:05,720
Speaker 4: that's why I got into this payment plan. Not it

426
00:23:05,760 --> 00:23:08,399
Speaker 4: was really really happy about it, but it was the

427
00:23:08,440 --> 00:23:11,720
Speaker 4: way that I needed to do to make this thing happen.

428
00:23:11,840 --> 00:23:14,440
Speaker 2: Yeah, no, that's really cool. I think it's so important

429
00:23:14,440 --> 00:23:16,359
Speaker 2: to talk more about this as well. I feel like,

430
00:23:16,840 --> 00:23:19,679
Speaker 2: you know, birth rates in general are going down because

431
00:23:19,720 --> 00:23:22,439
Speaker 2: women are doing more like you've got an epic career

432
00:23:22,560 --> 00:23:25,680
Speaker 2: and you've got this epic life. Like Unfortunately, we can't

433
00:23:25,720 --> 00:23:28,560
Speaker 2: do everything all at once. So can you tell me

434
00:23:28,600 --> 00:23:31,680
Speaker 2: a little bit more about this egg freezing procedure. Obviously

435
00:23:32,000 --> 00:23:34,119
Speaker 2: you've you know, sought debt for it, which is great,

436
00:23:34,119 --> 00:23:36,600
Speaker 2: And I love that you've been able to access that

437
00:23:36,720 --> 00:23:38,679
Speaker 2: because otherwise, like I mean, you just didn't have the

438
00:23:38,720 --> 00:23:41,159
Speaker 2: money right and it just wouldn't have happened. And I

439
00:23:41,160 --> 00:23:45,520
Speaker 2: think that that's a very valid reason for getting into debt.

440
00:23:45,560 --> 00:23:48,119
Speaker 2: Like it's funny because a lot of people assume that

441
00:23:48,200 --> 00:23:50,800
Speaker 2: I'm just against debt in general, like I just go

442
00:23:50,960 --> 00:23:53,600
Speaker 2: absolutely not. I would never, But I just don't want

443
00:23:53,680 --> 00:23:56,399
Speaker 2: debt to be something that you got into and then

444
00:23:56,440 --> 00:23:58,560
Speaker 2: you have nothing to show for it, Like you go

445
00:23:58,640 --> 00:24:00,480
Speaker 2: on a holiday and then you come home from the

446
00:24:00,480 --> 00:24:02,280
Speaker 2: whole You had a good time, but you've got nothing

447
00:24:02,320 --> 00:24:05,840
Speaker 2: to show for it, Like this procedure that you're going

448
00:24:05,880 --> 00:24:09,600
Speaker 2: through obviously setting you up for future success. So can

449
00:24:09,640 --> 00:24:12,119
Speaker 2: I be pervy and ask about how much that cost?

450
00:24:12,400 --> 00:24:15,640
Speaker 2: Like what are the costs associated with getting your eggs frozen?

451
00:24:15,800 --> 00:24:21,000
Speaker 4: It will be around twelve thousand, and I'm hoping to

452
00:24:21,040 --> 00:24:27,480
Speaker 4: get around five thousand back from Medicare because last year

453
00:24:27,800 --> 00:24:32,520
Speaker 4: I was diagnosed with endometriosis level three. Oh my gosh,

454
00:24:32,560 --> 00:24:35,199
Speaker 4: And I will be honest with you, that took me

455
00:24:35,320 --> 00:24:40,200
Speaker 4: at all financially but also mentally. I was so fatigued

456
00:24:40,240 --> 00:24:43,760
Speaker 4: and in so much pain, so last year, I had

457
00:24:43,800 --> 00:24:48,320
Speaker 4: this laparoscopy to get the diagnosed and to remove the

458
00:24:48,400 --> 00:24:52,919
Speaker 4: extra tissues. And because now my fertility is compromised because

459
00:24:52,920 --> 00:24:56,720
Speaker 4: of the endometriosis, it will recommend me to do the

460
00:24:56,760 --> 00:25:00,920
Speaker 4: egg freezing and going on dating. And you are thirty

461
00:25:00,960 --> 00:25:03,919
Speaker 4: four or thirty five, you know, dey clock sticking, And

462
00:25:04,000 --> 00:25:08,240
Speaker 4: I was feeling so anxious about going on dates that

463
00:25:08,320 --> 00:25:10,480
Speaker 4: I was like, I would do this for myself to

464
00:25:10,560 --> 00:25:14,320
Speaker 4: preserve my fertility, but also to go on dates really

465
00:25:14,359 --> 00:25:17,639
Speaker 4: looking forward to meet people and get to know people

466
00:25:17,880 --> 00:25:20,320
Speaker 4: and not having like a list of yeah, does he

467
00:25:20,400 --> 00:25:22,040
Speaker 4: take this, is he going to be this?

468
00:25:22,280 --> 00:25:24,440
Speaker 2: Yeah, you're not just looking for the father of a child.

469
00:25:24,520 --> 00:25:26,520
Speaker 2: You're actually looking for a life partner and that can

470
00:25:26,520 --> 00:25:27,000
Speaker 2: come later.

471
00:25:27,680 --> 00:25:31,359
Speaker 4: Exactly exactly because in the last I would say two years,

472
00:25:31,400 --> 00:25:34,480
Speaker 4: I was not having fun going on the date because

473
00:25:34,680 --> 00:25:38,439
Speaker 4: I was just like looking for those characteristics and that

474
00:25:38,640 --> 00:25:41,920
Speaker 4: was not helping me and creating a lot of anxiety

475
00:25:42,440 --> 00:25:46,399
Speaker 4: about it. So I was like, Okay, there's the endometrialsis

476
00:25:46,480 --> 00:25:50,320
Speaker 4: there's the age. Let's just do it for you know,

477
00:25:50,480 --> 00:25:52,200
Speaker 4: my mental health too. Yeah.

478
00:25:52,240 --> 00:25:55,119
Speaker 2: I love that. That's so valid, But also I'm so

479
00:25:55,200 --> 00:25:58,680
Speaker 2: grateful that you're talking about it, because how many times,

480
00:25:58,960 --> 00:26:02,160
Speaker 2: like at the start of this freezing journey, did you go, well,

481
00:26:02,160 --> 00:26:03,919
Speaker 2: what's that going to cost? Or what's that look like?

482
00:26:03,960 --> 00:26:04,679
Speaker 2: Or where to even go?

483
00:26:04,760 --> 00:26:05,320
Speaker 4: What do I do?

484
00:26:05,480 --> 00:26:07,800
Speaker 2: Like, we just need to be having these conversations more

485
00:26:07,840 --> 00:26:11,480
Speaker 2: often because we're all in a very similar situation. I

486
00:26:11,520 --> 00:26:14,439
Speaker 2: feel like not everybody, like I'm not in the siture

487
00:26:14,480 --> 00:26:17,080
Speaker 2: i've had kids, but like I'm in my thirties. I

488
00:26:17,080 --> 00:26:19,560
Speaker 2: didn't have kids until I was in my thirties, and

489
00:26:19,600 --> 00:26:22,760
Speaker 2: like that seems to be the norm now, and the

490
00:26:22,840 --> 00:26:26,320
Speaker 2: fact that I had to choose in my twenties between

491
00:26:26,320 --> 00:26:29,360
Speaker 2: my career and my kids, like that pressure is enormous.

492
00:26:29,480 --> 00:26:31,440
Speaker 2: I love the fact that you were able to freeze

493
00:26:31,440 --> 00:26:33,560
Speaker 2: your eggs and now you're going to be able to

494
00:26:33,680 --> 00:26:36,919
Speaker 2: enjoy dating and finding somebody that you actually want to

495
00:26:36,960 --> 00:26:39,199
Speaker 2: share your life with, as opposed to would he make

496
00:26:39,240 --> 00:26:42,000
Speaker 2: a good dad? What's this look like? How does that work?

497
00:26:42,119 --> 00:26:44,720
Speaker 4: Yeah? And create so much anxiety. I just want to

498
00:26:44,760 --> 00:26:48,000
Speaker 4: go on a date and enjoy getting to know someone

499
00:26:48,119 --> 00:26:51,720
Speaker 4: and spend time. Let's go bowling, let's go for a walk,

500
00:26:51,800 --> 00:26:54,480
Speaker 4: Let's do different stuff and get to know each other

501
00:26:54,800 --> 00:26:58,840
Speaker 4: instead of me being so concentrated at their end result.

502
00:26:59,480 --> 00:27:02,760
Speaker 4: So yeah, it was something that I didn't want to

503
00:27:02,800 --> 00:27:08,000
Speaker 4: get into d but there was not all the way around,

504
00:27:08,080 --> 00:27:10,560
Speaker 4: and I'm glad that I was able to find a

505
00:27:10,600 --> 00:27:11,720
Speaker 4: way to do it.

506
00:27:11,800 --> 00:27:14,679
Speaker 2: That's freeing. I love that. So tell me, are you

507
00:27:14,800 --> 00:27:16,760
Speaker 2: dating yet? Like, what are we doing?

508
00:27:17,560 --> 00:27:20,080
Speaker 4: No, at the moment, my parents are here.

509
00:27:21,359 --> 00:27:23,280
Speaker 2: No, we're not going on dates with mom and daddy

510
00:27:23,320 --> 00:27:25,080
Speaker 2: here now, No, thank you.

511
00:27:26,280 --> 00:27:29,919
Speaker 4: But I have been just feeling way more excited about

512
00:27:30,040 --> 00:27:35,960
Speaker 4: meeting people in general, like being around like minded people

513
00:27:36,160 --> 00:27:40,000
Speaker 4: and doing you know, like I'm going to try rock climbing,

514
00:27:40,080 --> 00:27:44,159
Speaker 4: I'm going to dance class, I'm trying different activities to

515
00:27:44,240 --> 00:27:48,040
Speaker 4: get to know people and going to events and putting

516
00:27:48,040 --> 00:27:50,480
Speaker 4: myself out there a little bit more because I don't

517
00:27:50,480 --> 00:27:53,240
Speaker 4: want to go back on the apps, so let's leave

518
00:27:53,359 --> 00:27:54,160
Speaker 4: life a little bit.

519
00:27:54,280 --> 00:27:56,400
Speaker 2: Yeah, I feel like the apps are a bit well.

520
00:27:56,720 --> 00:27:58,840
Speaker 2: I mean, I met my husband on Tinder, so like,

521
00:27:58,920 --> 00:28:02,119
Speaker 2: I'm all about the app, but from the experience of

522
00:28:02,160 --> 00:28:04,560
Speaker 2: all the single people in my life, like it feels

523
00:28:04,560 --> 00:28:05,960
Speaker 2: like the dregs of the internet.

524
00:28:06,400 --> 00:28:09,479
Speaker 4: Yeah, and I think it changed, Like I had friends

525
00:28:09,480 --> 00:28:12,600
Speaker 4: that made their partners there, but I think maybe in

526
00:28:12,680 --> 00:28:15,600
Speaker 4: the last three years or since the pandemic, the app

527
00:28:15,920 --> 00:28:17,560
Speaker 4: dynamic changed a little bit.

528
00:28:17,720 --> 00:28:20,600
Speaker 2: That's so sad because it used to be really fun

529
00:28:20,800 --> 00:28:23,359
Speaker 2: and it made it easy. I hope it comes back

530
00:28:23,359 --> 00:28:26,480
Speaker 2: around like and things go a little bit more wholesome soon.

531
00:28:26,720 --> 00:28:27,920
Speaker 4: Yeah, I think it's crossed.

532
00:28:28,040 --> 00:28:30,560
Speaker 2: Talk to me about your best money habit. What do

533
00:28:30,600 --> 00:28:31,320
Speaker 2: you think that is?

534
00:28:31,640 --> 00:28:36,360
Speaker 4: I think because I work with marketing, I'm really savvy

535
00:28:36,760 --> 00:28:41,000
Speaker 4: on you know, promotions or like ways to get a discount.

536
00:28:41,480 --> 00:28:44,640
Speaker 4: An example, I knew that Dizzier would be back at

537
00:28:44,680 --> 00:28:46,880
Speaker 4: the gym and I need a new outfit because it

538
00:28:46,920 --> 00:28:50,040
Speaker 4: was like, I don't want to go with trash clothes

539
00:28:50,080 --> 00:28:52,200
Speaker 4: to the gym. I want to wear something nice and

540
00:28:52,320 --> 00:28:57,520
Speaker 4: feel good about coming back. And I got sixty hundred

541
00:28:57,720 --> 00:29:02,440
Speaker 4: dollars worth of GM GEA for two hundred dollars.

542
00:29:02,560 --> 00:29:03,680
Speaker 2: What hell.

543
00:29:04,080 --> 00:29:07,360
Speaker 4: Well, it was not easy, but I checked all the

544
00:29:07,440 --> 00:29:10,120
Speaker 4: process before I went to the store to check my

545
00:29:10,800 --> 00:29:13,400
Speaker 4: sizing because I hate returns. So I was like, if

546
00:29:13,400 --> 00:29:15,080
Speaker 4: I want to get it, I will get it right.

547
00:29:15,840 --> 00:29:19,160
Speaker 4: And so I added everything to the cart, I put

548
00:29:19,280 --> 00:29:23,480
Speaker 4: my email there, I waited for the discount code and

549
00:29:23,800 --> 00:29:26,920
Speaker 4: there was some extra ways to get some extra discount

550
00:29:26,960 --> 00:29:30,640
Speaker 4: because I got it through between Black Friday and Boxing Day,

551
00:29:31,000 --> 00:29:34,280
Speaker 4: so after Boxing Day they added I think twenty percent

552
00:29:34,600 --> 00:29:38,680
Speaker 4: discount extra on top of what discounted it was already.

553
00:29:39,240 --> 00:29:40,880
Speaker 4: So I was so happy about it.

554
00:29:40,920 --> 00:29:45,280
Speaker 2: That's actually so cool. That is a significant discount. You

555
00:29:45,360 --> 00:29:47,480
Speaker 2: are one savvy human being.

556
00:29:47,800 --> 00:29:51,160
Speaker 4: Yeah, and I got really good stuff that would last

557
00:29:51,200 --> 00:29:55,080
Speaker 4: me because it's high quality, you know, gym GEA, and

558
00:29:55,200 --> 00:29:58,720
Speaker 4: it's not after two washes. It will be all transparent

559
00:29:58,920 --> 00:29:59,920
Speaker 4: when you do a squad.

560
00:30:00,320 --> 00:30:02,520
Speaker 2: I love that. Now you've got to get in the gym.

561
00:30:02,880 --> 00:30:04,280
Speaker 2: Now you've got to do what you said you were

562
00:30:04,280 --> 00:30:07,280
Speaker 2: going to do. I hate that part. I bought myself

563
00:30:07,320 --> 00:30:09,960
Speaker 2: some new activewear and I was like, I'm going to

564
00:30:10,040 --> 00:30:11,760
Speaker 2: work out. I'm going to go to Pilate's g I

565
00:30:11,840 --> 00:30:14,960
Speaker 2: have not done Pilarates once this year yet. I mean

566
00:30:15,280 --> 00:30:18,000
Speaker 2: I will. I love it. I'm about to go back.

567
00:30:18,080 --> 00:30:22,160
Speaker 2: But like the motivation, even with the cute outfit, sometimes

568
00:30:22,240 --> 00:30:23,200
Speaker 2: just doesn't convert.

569
00:30:23,640 --> 00:30:26,560
Speaker 4: Yeah, let's do a step by step. We got the clothes. Yeah.

570
00:30:26,640 --> 00:30:29,120
Speaker 2: No, I'm proud of you. I love this for you.

571
00:30:29,200 --> 00:30:32,320
Speaker 2: So you're super savvy. What's your worst money habit?

572
00:30:32,440 --> 00:30:36,960
Speaker 4: Do you think? I think when I get emotional, I

573
00:30:37,000 --> 00:30:41,080
Speaker 4: spend especially on food or little tricks. I'm having a

574
00:30:41,080 --> 00:30:45,320
Speaker 4: good day, Oh, let's celebrate and let's, you know, go

575
00:30:45,400 --> 00:30:49,320
Speaker 4: to a nice restaurant. I'm having a bad day. Let's

576
00:30:49,360 --> 00:30:51,640
Speaker 4: you know, I need to comfort myself. Let's go to

577
00:30:51,720 --> 00:30:57,600
Speaker 4: an expensive restaurant. You are me, you know, she's good

578
00:30:57,720 --> 00:30:58,320
Speaker 4: at the time.

579
00:30:58,600 --> 00:31:00,600
Speaker 2: Yeah, but then you've got nothing to show. Oh, and

580
00:31:00,760 --> 00:31:02,840
Speaker 2: less money in your bank account, and you're like, why

581
00:31:02,880 --> 00:31:03,840
Speaker 2: did I do that again?

582
00:31:04,440 --> 00:31:09,160
Speaker 4: Exactly so? And I think the way that online shopping,

583
00:31:09,200 --> 00:31:12,760
Speaker 4: for example, it is so gam fled now. It's so

584
00:31:12,920 --> 00:31:16,719
Speaker 4: easy to spend hours of scrolling and edge things. And

585
00:31:17,200 --> 00:31:20,360
Speaker 4: I put a time between my purchases, you know, the

586
00:31:20,400 --> 00:31:23,080
Speaker 4: time that I add to the card and to you know,

587
00:31:23,520 --> 00:31:28,840
Speaker 4: press buy. But still like, yeah, I think a lot

588
00:31:28,880 --> 00:31:30,040
Speaker 4: of emotional shopping.

589
00:31:30,280 --> 00:31:33,000
Speaker 2: Yeah, that's fair. And how are you kind of curbing

590
00:31:33,080 --> 00:31:35,680
Speaker 2: that You're obviously aware of it, which is I guess

591
00:31:35,720 --> 00:31:38,600
Speaker 2: the first step. But is that something that you're like, oh,

592
00:31:38,640 --> 00:31:41,000
Speaker 2: I still haven't gotten on top of it, or do

593
00:31:41,080 --> 00:31:44,200
Speaker 2: you think that, yeah, that's something that you're actually on

594
00:31:44,280 --> 00:31:44,640
Speaker 2: top of.

595
00:31:44,840 --> 00:31:47,600
Speaker 4: I wouldn't say one hundred percent on top of it.

596
00:31:47,720 --> 00:31:51,320
Speaker 4: I would say that I'm really aware, and some days

597
00:31:51,560 --> 00:31:56,680
Speaker 4: I can fight against it and like talk to myself

598
00:31:56,680 --> 00:31:59,240
Speaker 4: it's like, no, you know, let's keep that for the weekend.

599
00:31:59,480 --> 00:32:03,560
Speaker 4: Let's that for a more like wholesome experience. You don't

600
00:32:03,600 --> 00:32:08,000
Speaker 4: need that right now, You're just feeling emotional. Other days, Yeah,

601
00:32:08,040 --> 00:32:08,960
Speaker 4: it's stronger than me.

602
00:32:10,400 --> 00:32:12,360
Speaker 2: I love that. Other days it's stronger than me.

603
00:32:12,800 --> 00:32:17,760
Speaker 4: Yeah. Yeah. But I think the process is also progress,

604
00:32:17,880 --> 00:32:21,680
Speaker 4: you know, like having that awareness and looking at myself

605
00:32:21,720 --> 00:32:24,479
Speaker 4: and thinking do I really need that? Or is because

606
00:32:24,520 --> 00:32:28,520
Speaker 4: I'm feeling bad about something that happened at work or

607
00:32:28,600 --> 00:32:31,800
Speaker 4: I'm feeling lonely That's why I want to compensate in

608
00:32:31,840 --> 00:32:36,280
Speaker 4: another way. So at least I think now I have

609
00:32:36,400 --> 00:32:39,840
Speaker 4: these awareness and probably the next step to be on

610
00:32:39,960 --> 00:32:43,000
Speaker 4: top of it one hundred percent would be really to

611
00:32:43,200 --> 00:32:46,960
Speaker 4: action on it. But I'm not perfect some days, are

612
00:32:47,480 --> 00:32:50,880
Speaker 4: you know? I'm good? Other days not as much.

613
00:32:51,080 --> 00:32:54,880
Speaker 2: That's okay. I love that. At the start of the episode,

614
00:32:54,880 --> 00:32:57,800
Speaker 2: you said, V I think I'm a bus What do

615
00:32:57,840 --> 00:32:59,560
Speaker 2: you think it would take to get to an a

616
00:32:59,760 --> 00:33:01,040
Speaker 2: What does that look like for you?

617
00:33:01,280 --> 00:33:04,479
Speaker 4: I really would like to stick to my budget and

618
00:33:04,600 --> 00:33:09,640
Speaker 4: not have those emotionals up and down because sometimes I

619
00:33:09,680 --> 00:33:12,880
Speaker 4: will put it five hundred dollars on my savings account,

620
00:33:13,280 --> 00:33:15,600
Speaker 4: and then at the end of the week, I would,

621
00:33:15,800 --> 00:33:19,200
Speaker 4: you know, transfer back to a hundred because I spend

622
00:33:19,240 --> 00:33:24,000
Speaker 4: a little bit extra that I had forecasted that I think.

623
00:33:24,120 --> 00:33:28,280
Speaker 4: But I'm feeling really like aware of my situation and

624
00:33:28,360 --> 00:33:31,880
Speaker 4: I know where my dollars are going. Now I understand

625
00:33:31,920 --> 00:33:35,440
Speaker 4: the value of my time, the value of my skills.

626
00:33:35,520 --> 00:33:39,080
Speaker 4: That something at the beginning I didn't know much. I

627
00:33:39,120 --> 00:33:42,400
Speaker 4: was just happy to do any job before any money.

628
00:33:43,080 --> 00:33:46,920
Speaker 4: And now I'm more like feeling confident about saying this

629
00:33:47,000 --> 00:33:48,960
Speaker 4: is you know what I bring to the table, and

630
00:33:49,000 --> 00:33:52,360
Speaker 4: that's how much I want to be earning. And yeah,

631
00:33:52,480 --> 00:33:54,840
Speaker 4: I think I'm getting there. I'm getting there.

632
00:33:54,920 --> 00:33:57,120
Speaker 2: I love that you're well on the way. I feel

633
00:33:57,120 --> 00:33:59,680
Speaker 2: like it's not too far away. Do you think that

634
00:33:59,760 --> 00:34:03,000
Speaker 2: when when you purchase your first apartment or your first unit,

635
00:34:03,040 --> 00:34:05,640
Speaker 2: you'll feel a lot more like you're on the way

636
00:34:05,800 --> 00:34:09,120
Speaker 2: or is that not part of your feeling of confidence

637
00:34:09,160 --> 00:34:09,760
Speaker 2: around money?

638
00:34:09,840 --> 00:34:12,880
Speaker 4: Now? I think it will be definitely a game change

639
00:34:12,920 --> 00:34:15,879
Speaker 4: because I think I will be more in control of

640
00:34:15,920 --> 00:34:20,520
Speaker 4: my decisions. I can, for example, rent the apartment for

641
00:34:21,000 --> 00:34:23,279
Speaker 4: a year and then go to Europe and then go

642
00:34:23,360 --> 00:34:25,920
Speaker 4: to Brazil. That is something that I really want to

643
00:34:25,920 --> 00:34:28,960
Speaker 4: do it and ranting right now I cannot do that

644
00:34:29,480 --> 00:34:33,600
Speaker 4: because I'm attattaged to the rent. Definitely, I'm seeing this

645
00:34:33,719 --> 00:34:38,200
Speaker 4: first property as my next step to conquer that independence

646
00:34:38,320 --> 00:34:41,800
Speaker 4: and be more in control of my decisions and of

647
00:34:42,040 --> 00:34:42,919
Speaker 4: my time too.

648
00:34:43,080 --> 00:34:45,719
Speaker 2: I love that. I feel like that's such an achievement

649
00:34:45,840 --> 00:34:48,279
Speaker 2: as well. Like I just remembering back to the start

650
00:34:48,320 --> 00:34:51,320
Speaker 2: of this episode, you were like my grandparents had eleven kids,

651
00:34:51,440 --> 00:34:53,680
Speaker 2: like and now you've gone off and you're like looking

652
00:34:53,719 --> 00:34:56,520
Speaker 2: at purchasing your first unit and stuff. Do you think

653
00:34:56,520 --> 00:34:58,160
Speaker 2: that they would think that's really cool?

654
00:34:58,800 --> 00:35:01,960
Speaker 4: I can want even thing that they could create the

655
00:35:02,120 --> 00:35:07,280
Speaker 4: concept in their mind that you know, their grown child

656
00:35:07,400 --> 00:35:10,440
Speaker 4: went to leave overseas on the other side of the

657
00:35:10,520 --> 00:35:15,120
Speaker 4: country and like having her own career, are you know,

658
00:35:15,200 --> 00:35:18,880
Speaker 4: living her best life and buying a property because they

659
00:35:18,880 --> 00:35:20,080
Speaker 4: didn't have a property, No.

660
00:35:20,200 --> 00:35:22,839
Speaker 2: They didn't have that like accent, and I just I

661
00:35:22,920 --> 00:35:26,680
Speaker 2: love that, like you've turned what you went through and

662
00:35:26,920 --> 00:35:29,080
Speaker 2: like not that it was bad, it sounds like a

663
00:35:29,120 --> 00:35:33,080
Speaker 2: beautiful upbringing, but you've just gone and like grown it

664
00:35:33,160 --> 00:35:35,879
Speaker 2: into what you wanted, like and you've created this life

665
00:35:35,960 --> 00:35:38,000
Speaker 2: all on your own. It's not like anybody gave it

666
00:35:38,000 --> 00:35:39,440
Speaker 2: to you. You were just like, I'm going to do

667
00:35:39,480 --> 00:35:41,640
Speaker 2: this and I'm going to do it myself. Just makes

668
00:35:41,680 --> 00:35:43,960
Speaker 2: me so excited for you, and I just know that

669
00:35:44,000 --> 00:35:46,080
Speaker 2: they would have been like so proud and like, your

670
00:35:46,120 --> 00:35:48,600
Speaker 2: parents are here right now. Are they loving being on

671
00:35:48,640 --> 00:35:49,440
Speaker 2: the Gold Coast?

672
00:35:49,760 --> 00:35:52,759
Speaker 4: Oh? They are. I think, of course they had an

673
00:35:52,760 --> 00:35:56,520
Speaker 4: idea of what Australia was, but not the way that

674
00:35:56,680 --> 00:35:59,560
Speaker 4: it is. And I think they were thinking that I

675
00:35:59,680 --> 00:36:02,360
Speaker 4: was like struggling way more, you know, like they have

676
00:36:02,520 --> 00:36:06,120
Speaker 4: that amy grand mentality, and now they see that I

677
00:36:06,160 --> 00:36:09,560
Speaker 4: have my career, I have my things, I live in

678
00:36:09,600 --> 00:36:12,160
Speaker 4: a nice place in a nice suburb, I have my

679
00:36:12,360 --> 00:36:16,840
Speaker 4: little car. And I don't think they ever even got

680
00:36:17,080 --> 00:36:20,560
Speaker 4: like it's something beyond that they could even imagine.

681
00:36:20,680 --> 00:36:23,600
Speaker 2: I adore that so much as they must be so proud.

682
00:36:23,600 --> 00:36:26,160
Speaker 2: They probably don't want to go home now They're like, oh,

683
00:36:26,200 --> 00:36:27,359
Speaker 2: we want to come live with you?

684
00:36:27,880 --> 00:36:28,759
Speaker 4: Yeah, exactly.

685
00:36:29,239 --> 00:36:31,919
Speaker 2: I love that so much money, Darrist, it has been

686
00:36:32,000 --> 00:36:35,520
Speaker 2: an absolute pleasure. I'm so excited for you and this

687
00:36:35,760 --> 00:36:38,600
Speaker 2: journey and you purchasing a house later this year and

688
00:36:38,760 --> 00:36:41,560
Speaker 2: just getting it together. Like, I'm just so excited that

689
00:36:41,600 --> 00:36:44,080
Speaker 2: you're part of our community. You are, honestly, like I

690
00:36:44,120 --> 00:36:46,120
Speaker 2: wish people could see you because you're like so glowy

691
00:36:46,200 --> 00:36:48,960
Speaker 2: and happy and have the most beautiful curly hair, like

692
00:36:49,440 --> 00:36:52,479
Speaker 2: you are a ray of sunshine. Thank you so much

693
00:36:52,520 --> 00:36:54,360
Speaker 2: for joining me for a money diry. I know the

694
00:36:54,360 --> 00:36:56,160
Speaker 2: community is gonna love this because I did.

695
00:36:56,320 --> 00:36:59,400
Speaker 4: Oh, thank you, And it has been like an absolute

696
00:36:59,440 --> 00:37:02,120
Speaker 4: pleasure and to be part of their community and see

697
00:37:02,160 --> 00:37:05,120
Speaker 4: you know, on the Facebook group what people share and

698
00:37:05,360 --> 00:37:09,120
Speaker 4: feel seen and feel part of the community. Talking about

699
00:37:09,200 --> 00:37:13,040
Speaker 4: money with that is such a taboo and I yeah,

700
00:37:13,120 --> 00:37:13,920
Speaker 4: I just love this.

701
00:37:13,960 --> 00:37:23,759
Speaker 2: Community, but me too have the first day did buy

702
00:37:23,920 --> 00:37:26,480
Speaker 2: shared on She's on the Money is general in nature

703
00:37:26,560 --> 00:37:30,040
Speaker 2: and does not consider your individual circumstances. She's on the

704
00:37:30,080 --> 00:37:33,640
Speaker 2: Money exists purely for educational purposes and should not be

705
00:37:33,719 --> 00:37:37,080
Speaker 2: relied upon to make an investment or financial decision. If

706
00:37:37,080 --> 00:37:39,520
Speaker 2: you do choose to buy a financial product, read the.

707
00:37:39,480 --> 00:37:42,720
Speaker 5: PDS TMD and obtain appropriate financial.

708
00:37:42,280 --> 00:37:44,080
Speaker 2: Advice tailored towards your needs.

709
00:37:44,440 --> 00:37:48,400
Speaker 5: Victoria Divine and She's on the Money are authorized representatives

710
00:37:48,440 --> 00:37:52,319
Speaker 5: of money. Sheper pty ltd ABN three two one is

711
00:37:52,360 --> 00:37:56,200
Speaker 5: six four nine two seven seven zero eight AFSL four

712
00:37:56,320 --> 00:37:57,480
Speaker 5: five one two eight

713
00:37:57,560 --> 00:38:03,560
Speaker 4: Nine work if they were