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

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Speaker 1: the Order 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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money. She's on

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Speaker 2: the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: that makes personal finance fun.

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Speaker 2: Especially on Fridays.

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Speaker 3: It is our favorite day of the week because we

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Speaker 3: get the team together, we get to celebrate you how incredible.

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Speaker 2: She's on the Money community.

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Speaker 3: Miss Jessica Ricci as always is right here with her

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Speaker 3: money wins straight from the Facebook group.

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Speaker 2: Miss beck Sayed is going to be sharing.

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Speaker 3: Her broke tips and we're going to be helping with

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Speaker 3: the money dilemma, which this week is all about whether

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Speaker 3: you should buy gold bullion and something that you slid

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Speaker 3: into our DMS about should you delay a work opportunity

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Speaker 3: if you think you might have kids. I find there

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Speaker 3: is such an interesting conversation, one that historically I didn't

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Speaker 3: think I would be having. But now I'm having these

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Speaker 3: conversations with my friends about like, oh do I take

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Speaker 3: a new job on my current job has a really

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Speaker 3: good matt leave policy. I just never thought we'd be here.

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Speaker 2: But we are. Anyway, Before we get there, what do

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Speaker 2: you do this week? Jess? Not much.

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Speaker 4: I feel like I've moved on to the next holiday.

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Speaker 4: So now it's Mother's Day, which I know some people

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Speaker 4: will say probably not a huge I disagree.

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Speaker 2: Mom's a very importanti for anyone. As well. We've got

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Speaker 2: a little moonpig giveaway.

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Speaker 3: Yeah, my god, the moonpeg giveaway is actually elite, like

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Speaker 3: so good.

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Speaker 2: So you guys are not taking advantage of this. It

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Speaker 2: is free. It is a free card.

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Speaker 3: Yeah, so if you don't want one for Mother's Day,

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Speaker 3: that's fine, because I tried the code. It might be

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Speaker 3: for Mother's Day, but like you can pick any card. Yeah,

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Speaker 3: so it's I think it's SotM Mum is the coade.

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Speaker 3: We'll put it in the show notes. But you can

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Speaker 3: create any card with you meet Vita. You made a

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Speaker 3: really cute one for duty. It was really sweet.

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Speaker 2: You can personalize it, can we handr eye on it?

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Speaker 2: And it ships for free too, which I thought was

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Speaker 2: really good.

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Speaker 4: If you're someone whose mum is maybe interstate or you

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Speaker 4: won't get to.

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Speaker 2: See there's no catches. Yeah, like it's free.

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Speaker 3: You can send your mama card to her house for

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Speaker 3: free through Moonpig, or you could send.

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Speaker 2: A card to you for a later date.

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Speaker 3: You could like customize one for your partner or customize

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Speaker 3: one for a friend and like have it in the bank.

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Speaker 2: Yeah. Literally, like there's there's no downside. Money win. We're

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Speaker 2: getting into an early you can have that one for

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Speaker 2: free and what about you? Beck week has been really lovely.

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Speaker 2: Came back from school camp. Camping was so fun.

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Speaker 5: Is everything I could have dreamed of, all the games,

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Speaker 5: the excitement, seeing all your friends just in the one

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Speaker 5: place and you're like camping in like.

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Speaker 2: A group of ten not camping. It's like, you know dorms.

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Speaker 2: Is that what you call them? Cabins?

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Speaker 6: Yeah?

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Speaker 3: Yeah, fully it's giving. I don't know school camp.

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Speaker 5: Yes, it's given, and that's exactly what it is. And

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Speaker 5: it was just Yeah, it was just really wholesome and nice.

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Speaker 5: And usually I'm like my friends, know, I don't like

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Speaker 5: a sleepover because I need to scroll for.

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Speaker 2: A certain amount of time. I just want to be

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Speaker 2: you can do that. But it was really fun. You

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Speaker 2: can do that in my house. That's all good to ask.

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Speaker 2: Thank you.

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Speaker 3: Like sometimes we will just sit on the couch together

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Speaker 3: and scroll scroll, it's all.

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Speaker 4: Yeah.

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Speaker 2: I love who's also in our team. She calls that

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Speaker 2: mouse time. That's my mouth time time, and you've got to.

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Speaker 3: Like mice and I think that that's really cute and

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Speaker 3: everybody needs a little bit of mouse time.

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Speaker 2: Yeah, definitely. What about your how's your week?

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Speaker 3: My week was good, love luf. It has been mundane

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Speaker 3: as always. I have had a few speaking events, which

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Speaker 3: is always really good. And then yeah, just I'm spending

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Speaker 3: more time in the Zella office at the moment, which

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Speaker 3: I don't know, I'm loving it. I know that, like

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Speaker 3: that probably comes as a surprise to you guys, but

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Speaker 3: like I do spend a fair bit of my week

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Speaker 3: working from home because I do feel like I'm a

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Speaker 3: bit more productive. But recently I've gone, oh maybe I'll

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Speaker 3: spend like an extra day a week in the Zella

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Speaker 3: offices because like, I have these really big goals for

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Speaker 3: the business this year, and like obviously if I'm not present,

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Speaker 3: things aren't gonna happen, and I actually need to put

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Speaker 3: my money where my mouth is, essentially, So that's been

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Speaker 3: really good. Every single month, my team pick a word

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Speaker 3: of the month, so like we will do like a

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Speaker 3: different word every month, and then all of our activities

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Speaker 3: or things that are in addition to the work that

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Speaker 3: we're doing are themed, and I love that. But this

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Speaker 3: month it's been refocus, and so like we're refocusing on

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Speaker 3: like what our goal and refocusing on like exactly what

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Speaker 3: is important, and you know, even just refocusing personal and professional.

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Speaker 3: So like we've run a workshop, Like we did a

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Speaker 3: whole morning where I got brunching. We all sat in

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Speaker 3: the workshop room and we talked about our personal goals

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Speaker 3: and set some new personal goals and then our professional

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Speaker 3: goals and what we want to achieve by the end

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Speaker 3: of the year and what we want to achieve by June.

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Speaker 3: And just I feel like when you have clarity, you

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Speaker 3: just feel so clean and fresh. And that's where this

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Speaker 3: idea of me coming into the office a little bit

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Speaker 3: more is anyway, Refocus has been the vibe and it's vibing. Yeah.

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Speaker 2: I like that, Like, yeah, anyway. Would you like to

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Speaker 2: hear a five star review? Yes? Please?

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Speaker 3: Oh I love this part, maybe because it strokes my ego.

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Speaker 3: This one's from Holly, So Holly says, I found Cheese

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Speaker 3: on the Money and The Broke Generation in July twenty

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Speaker 3: twenty four. They absolutely changed my life. I've binged every

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Speaker 3: single episode starting season one from July last year and

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Speaker 3: finally up to date this week.

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Speaker 2: That's a lot. We have one episodes. I've now paid

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Speaker 2: off all my debt.

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Speaker 3: Which included twenty thousand dollars left to me by another person. Oh,

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Speaker 3: I have a really healthy emergency fund and we are

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Speaker 3: on track to buy a house this year.

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Speaker 2: With the help of the beautiful girls at Zella White.

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Speaker 3: Victoria has such an amazing and kind way of breaking

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Speaker 3: down terms and explaining things so they don't seem so complicated.

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Speaker 3: Jess is so kind and has such a way of

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Speaker 3: wording things that you feel like you're on her journey

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Speaker 3: with her. Oh, Beck is so relatable or honest. I

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Speaker 3: just want to give her a giant hug. Oh, thank

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Speaker 3: you ladies for the work that you do. You have

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Speaker 3: changed so many lives, including my own, and I am

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Speaker 3: so eternally grateful to be able to access She's on

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Speaker 3: the money and everything that goes along with it.

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Speaker 2: Oh my god, that's so sweet.

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Speaker 3: I want your giant hug And you know what, Becky

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Speaker 3: is a giant hugger as I am a giant hugger.

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Speaker 2: Yeah, as you know. So sweet and congratulations. That is

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Speaker 2: no easy fee. That's so impressive. I love that. I'm

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Speaker 2: going to go talk to the Zella team now and

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Speaker 2: be like so holy. And she gave us a really

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Speaker 2: good review. Can you just tell her I love her? Yeah, totally, seriously,

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Speaker 2: get us some stweet.

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Speaker 3: All right, let's get into it a little bit further, Jess,

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Speaker 3: community money wins.

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Speaker 4: What have we got alrighty, firstly, I've got one from

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Speaker 4: Alie who said I'm getting married in September and I

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Speaker 4: was trying to get a dress for cheap. I found

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Speaker 4: a brand new twenty five hundred dollars wedding dress with

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Speaker 4: tags still attached on Marketplace and I only paid seven

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Speaker 4: hundred and seventy five dollars for it. It was the

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Speaker 4: exact dress that I wanted. And this is a huge

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Speaker 4: saving because we'd budgeted two thousand dollars already for a dress,

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Speaker 4: so she's in the green and I feel like that

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Speaker 4: never happens with weddings. Congratulations Ali, and congratulations on your

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Speaker 4: upcoming wedding. Next, I've got a money win from Kerry,

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Speaker 4: who said she attended the Constant Contact webinar with Victoria

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Speaker 4: a few weeks ago.

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Speaker 2: That one was so fun.

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Speaker 4: It was really fun, and she's just received her free

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Speaker 4: business Bible book in the mail. She said it's a

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Speaker 4: money win because I was going to buy it anyway

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Speaker 4: to help start up her date practice.

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Speaker 2: But she also got a.

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Speaker 4: Free Constant Contact trial for customer emailing systems, so she's

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Speaker 4: very excited. And I was going to say, if anyone

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Speaker 4: couldn't attend that webinar, there is a replay for all

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Speaker 4: of our small business owner put it on YouTube.

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Speaker 2: Put it.

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Speaker 3: I feel like you're a small business owner, baby, you're busy.

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Speaker 3: You probably didn't have time. Yeah, but we recorded it,

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Speaker 3: and Constant Contact to let me put it on the internet,

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Speaker 3: so that was really not really exciting.

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Speaker 4: We'll pop a link maybe to that in the show

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Speaker 4: notes if you want to check it out. Next, I've

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Speaker 4: got a money win from Kimberly, who said, my husband

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Speaker 4: gave me a bag of too small clothes to drop

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Speaker 4: off at the selvo's bin, and I noticed that they

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Speaker 4: were two old buzzy soccer jerseys in there. I thought

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Speaker 4: they might be worth something, knowing that they were close

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Speaker 4: to a decade old, a little vintage moment. So she

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Speaker 4: put them on eBay for ninety nine cents each and

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Speaker 4: got about ninety five bucks for that. Sorry what she said,

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Speaker 4: not bad for something he was going to throw on

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Speaker 4: the win. Oh, eBay slept on.

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Speaker 2: I feel like it's not slept on by me. Yeah,

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Speaker 2: I know. I love eBay.

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Speaker 4: You can find yourself some bargains, and also you can

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Speaker 4: sell like I know that. I've seen some people saying

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Speaker 4: it's hard to sell a marketplace and stuff. I feel

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Speaker 4: like eBay branded stuff.

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Speaker 3: And also I like that you can just buy something

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Speaker 3: on eBay and it's yours. I don't have to message

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Speaker 3: the seller and say what are your bank details?

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Speaker 2: Have get cash out? Yeah no, I'm just paying.

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Speaker 3: With PayPal and I am feeling safe and.

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Speaker 2: Shining up at your door. We love so true.

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Speaker 4: Next, I've got money win from Nidia, who said I

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Speaker 4: called the holiday home owner directly for a property that

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Speaker 4: she saw listed on Airbnb. She asked, if they're borrowing

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Speaker 4: is lower and she saved herself eighty bucks over two

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Speaker 4: nights for a cute place on the beach and it

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Speaker 4: was dog friendly so too, fur baby could come with her,

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Speaker 4: so you don't have to spend money on doggy day

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Speaker 4: care either.

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Speaker 2: Love always with Google, I feel like a lot of places.

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Speaker 3: And especially so like my top tip here is if

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Speaker 3: a property is listed on airbbit I'm sorry airbnbb, like

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Speaker 3: we're all just out here for a money win. But

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Speaker 3: if the property is listed on Airbnb and it has

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Speaker 3: a name, Like if the place has a name and

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Speaker 3: it's like, you know, the fancy.

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Speaker 2: Pants Lodge or something, google the name.

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Speaker 3: Totally, like google what they've called the property, because if

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Speaker 3: they've gone to that effort, it probably has its own

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Speaker 3: website or it probably has another listing and you can

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Speaker 3: go direct.

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Speaker 2: Yeah I'm clever anyway, So I tried to do that

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Speaker 2: a little while ago.

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Speaker 3: It went direct and they were like, oh, yep, to

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Speaker 3: book the property, we need a deposit of X, but

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Speaker 3: booking it through Airbnb no deposit. So I was like

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Speaker 3: cats booking it on Airbnb. Yeah, seriously, so check.

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Speaker 2: It before you wreck it.

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Speaker 4: Lastly, this week I got a money in from Amy

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Speaker 4: who said she bought a cute vintage keyhole dresser at

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Speaker 4: a vintage store.

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Speaker 2: Partner's a sweetheart and is picking up on Wednesday for her.

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Speaker 3: I love you too.

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Speaker 2: We love a little vintage finish piece. Yeah, I call me, hey,

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Speaker 2: give me your broke tips.

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Speaker 5: So actually, just quickly while we're on the AIRBB train.

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Speaker 2: Yeah, my partner, this is kind of do you have

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Speaker 2: a girlfriend who would have known?

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Speaker 5: I know I will not shut up about it, but

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Speaker 5: she wanted to say it.

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Speaker 2: I need her.

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Speaker 3: I need beck to talk to my husband ramping up

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Speaker 3: how obsessed he is with me.

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Speaker 2: Yeah, I can do that.

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Speaker 3: You call Steve and you call James and be like,

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Speaker 3: here are the expectations I'm setting because I want what jesscott.

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Speaker 5: I can have an open and closed checklist. Yeah, for

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Speaker 5: breakfast and nights because of it. And then like you know,

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Speaker 5: during the day service sort of thing said to you

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Speaker 5: really do Yeah that is.

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Speaker 2: Really really.

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Speaker 3: We probably should just be in those being relationships.

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Speaker 2: It's kind of nice. I'm gonna say it's kind of nice.

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Speaker 2: It sounds like a dream.

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Speaker 3: And this is this is going to maybe even you know,

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Speaker 3: it's going to annoy us, might annoy you.

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Speaker 5: Jess like very casually mentioned she want to stay in

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Speaker 5: Melbourne Place, which is just like.

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Speaker 2: This hotel and cute.

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Speaker 5: I've never been there, but I had never heard of it.

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Speaker 5: But I was like, okay, cool, we I'll like, you know,

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Speaker 5: surprise it with a little Friday night thing there. But

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Speaker 5: then I went to the I google it, and I

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Speaker 5: went to the actual website. But then I thought, hang

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Speaker 5: on one second, I'm sure I've seen booking dot com,

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Speaker 5: and like, what if in all those places are being

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Speaker 5: shot back it's like eighteen percent this one for this

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Speaker 5: particular day, you're thirty percent back on And I bought

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Speaker 5: it through there, I got.

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Speaker 2: Like thirty dollars or something. Yeah, money, we I mean

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Speaker 2: more than more than three dollars.

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Speaker 5: I remember that, And so make sure you do that

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Speaker 5: first before you show through all these other avenues.

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Speaker 3: I feel like, obviously Jess and I and you we

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Speaker 3: are all obsessed with shop obsessed, but I feel like

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Speaker 3: people are forgetting like it was trendy and now it's

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Speaker 3: just like a part of everyday life. Yeah, forgetting to

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Speaker 3: use it.

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Speaker 5: Please don't please yet forget just don't forget you guys.

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Speaker 3: Like it wasn't trendy, it's actually making you money.

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Speaker 2: Yeah, we love free money.

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Speaker 5: And even if it's like five cents per transaction, it's

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Speaker 5: like from little things, big things grow exactly right. And

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Speaker 5: I'm sorry in evance, I am going to go back

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Speaker 5: to back with the last.

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Speaker 2: That's okay, that's okay. What's your second one? No, actually

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Speaker 2: that wasn't a break tip at all. That was just

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Speaker 2: a freebie. But the first one comes from.

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Speaker 3: That wasn't your broke tip, That was not my brick tap.

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Speaker 2: Oh that's just a hot little hound.

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Speaker 5: So this first one comes from Sam who says that apparently,

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Speaker 5: and I haven't physically fact checked this, but if you

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Speaker 5: buy something from Buddings and it's like under hundred dollars,

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Speaker 5: then if you go in and it's like say, it's

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Speaker 5: like you know, general wear and tear, it's just not

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Speaker 5: working anymore, they will replace it. If it's under one

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Speaker 5: hundred dollars, they just replace it, no questions asked.

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Speaker 2: Such a great policy. I heard they do the same

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Speaker 2: for plants.

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Speaker 3: That is, if you kill plants, my plants dead, and

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Speaker 3: they'll be like oh, here have a new one.

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Speaker 2: That's crazy to me. If you have your receipt.

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Speaker 3: Crazy, I think that's insane because honestly, if you kill

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Speaker 3: a plant, it's usually user error.

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Speaker 2: Yeah.

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Speaker 3: So I don't know why they're giving you another one,

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Speaker 3: because you're probably going to kill that too, But it's

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Speaker 3: nice to know that they are that generous.

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Speaker 5: That's insane. I had no idea. Wow, I have so

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Speaker 5: many plants that are going to take back. This next

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Speaker 5: one comes from Emma, who is maybe a friend of

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Speaker 5: the pod, who.

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Speaker 2: Says that there's going to become an ongoing character. I

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Speaker 2: think so.

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Speaker 3: I think online offline? Yeah, okay, Emma, not the one

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Speaker 3: that we used for every other week. Yes, Tips mentioned

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Speaker 3: that there's a place in Ringwood called Ringwood Repair Cafe. Okay,

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Speaker 3: you you go GeSe off coffee. But also if your

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Speaker 3: shoe is broken, they repair it for free.

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Speaker 2: No they don't.

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Speaker 5: Yes, I mean like maybe just the best of their ability.

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Speaker 5: They're probably not like a fool. I don't that's Gene Noddler.

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Speaker 5: But they repair. That's what I've seen, But I'm sure

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Speaker 5: like they'll do it.

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Speaker 2: Is it everything crazy? It's everything? What?

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Speaker 3: So you just got a broken bracelet? They'll be like, oh,

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Speaker 3: let me have a crack at that.

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Speaker 2: They'll probably have a crack at that.

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Speaker 3: Oh my god, is like going to like a parent's

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Speaker 3: house for a coffee and then they fix it.

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Speaker 2: Yeah. Oh this is so wholesome.

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Speaker 3: You know.

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Speaker 2: It isn't a cue.

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Speaker 4: How people can bring broken items to be fixed by

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Speaker 4: expert repairers.

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Speaker 2: Expert repairers. I love this.

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Speaker 3: It's giving Men's Shared vibes. So my husband's grandpa is

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Speaker 3: involved in the Men's Shared and like people in his

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Speaker 3: local community drop off broken pieces of furniture or whatever

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Speaker 3: and they fix it for free.

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Speaker 2: Oh that's so it's the most wholesome. We need community. Yeah,

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Speaker 2: I'm all for the I.

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Speaker 3: Was talking about community the other day and the most

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Speaker 3: important part of community. I feel like we all say, oh,

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Speaker 3: there's no community anymore. There is if you choose to

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Speaker 3: get out in it. Like, if you're choosing to actively

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Speaker 3: get out in the community, you're gonna find it. You

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Speaker 3: can't just sit in your house and expect community to happen, Like, you've.

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Speaker 2: Got to go out.

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Speaker 3: You've got to be present, you've got to be giving.

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Speaker 3: I think that to create good community, you've got to

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Speaker 3: be one of those people that gives more than you

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Speaker 3: expect back.

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Speaker 2: Yeah, it's there. It's there, It's absolutely there.

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Speaker 3: And I've only really been tapping into that, i would say,

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Speaker 3: in the last twelve months since having a baby, because

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Speaker 3: it's been the first time that I've actively engaged with

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Speaker 3: like my community center, that I'm actively going to the library,

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Speaker 3: that I'm actively going out to mother's group like that,

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Speaker 3: I'm realizing this community thing.

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Speaker 2: Yeah, oh yeah, I like it here.

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Speaker 3: Oh yeah, I like it here, Like I just anyway,

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Speaker 3: I think it is very whole. And now I've got

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Speaker 3: like little group chat and we're.

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Speaker 2: All like, oh ha, someone got this. I'm looking for X.

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Speaker 2: We do, We've got you, We've got that in Brunswick.

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Speaker 2: I don't want to be I don't want to be there.

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Speaker 2: I don't feel better at it than we are.

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Speaker 5: A good car network where you just put in what

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Speaker 5: is key is?

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Speaker 2: It just feels good. It's so good. And then my

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Speaker 2: broke tip very swimar to my.

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Speaker 5: First freebie is that if you The other day, I

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Speaker 5: was like going to get door Dash and I was like,

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Speaker 5: I'm sure, I'm sure there's a way I can do

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Speaker 5: this smart And then I put all these things in

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Speaker 5: my cart it came to like thirty five dollars.

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Speaker 2: Yeah, and I went on shop back.

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Speaker 5: I bought a DoorDash gift card thirty dollars and.

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Speaker 2: Just use that.

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Speaker 3: I got like five bucks. This woman is a gaming

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Speaker 3: shop back. Yeah, I'll sas to shop back. I love it.

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Speaker 3: Free money for everyone. All right, let's go to a

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Speaker 3: really quick break on the flip side. We're going to

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Speaker 3: be talking about whether you should buy gold bullion or not,

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Speaker 3: which I think is a very interesting question and something

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Speaker 3: that you.

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Speaker 2: Slid into our d MS about.

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Speaker 3: This week, we're talking about whether you should delay a

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Speaker 3: work opportunity because you're planning on having kids, so don't

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Speaker 3: go anywhere.

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Speaker 2: Welcome back, everybody.

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Speaker 4: Let's take a listen to this week's money dilemma.

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Speaker 3: Hi, there, have you got a money dilemma you just

399
00:17:18,280 --> 00:17:20,800
Speaker 3: can't solve? The She's on the Money team is here

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00:17:20,840 --> 00:17:24,080
Speaker 3: to help. Every week we tackle your dilemmas, both big

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00:17:24,119 --> 00:17:26,879
Speaker 3: and small, to answer your most burning money, career and

402
00:17:26,920 --> 00:17:30,080
Speaker 3: life questions. To get involved, simply head to our website

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00:17:30,119 --> 00:17:32,240
Speaker 3: and leave us a short voice recording and you might

404
00:17:32,320 --> 00:17:34,840
Speaker 3: just find yourself on the show. Now, let's take a

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Speaker 3: listen to this week's money dilemma.

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Speaker 6: Hi Victoria, I've been following your podcast and reading all

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Speaker 6: your books. I love all your content. One thing missing

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Speaker 6: from your books, and wondering if you had any advice

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Speaker 6: on purchasing gold billions. I hope I pronounced that right. Yeah.

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Speaker 6: I'm just doing some research at the moment, and I'm

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Speaker 6: playing the share market game, which has been super fun

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Speaker 6: and educational, just to get my head around dipping my

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00:18:06,440 --> 00:18:09,199
Speaker 6: toe in the market. But I've yeah, just want some

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Speaker 6: advice on your thoughts on buying gold and storing gold.

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Speaker 6: Thank you.

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Speaker 2: By Oh, this is interesting. There's a lot of conversation.

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Speaker 3: Going on in our community at the moment about bullion,

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Speaker 3: which I'm sorry to correct you. It's bullion, but it's

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Speaker 3: because gold prices have increased significantly recently, and you will

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Speaker 3: often see in times of economic uncertainty, things like gold

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Speaker 3: increase in value because they are physical assets and they

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Speaker 3: make people feel comfortable.

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Speaker 2: Right, So you go, oh, I'll put.

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Speaker 3: My money in gold because it's I can touch it,

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00:18:42,720 --> 00:18:44,040
Speaker 3: I can taste it, I can see it, I can

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Speaker 3: hold it. Right, It's like a physical asset, and physical

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00:18:46,960 --> 00:18:49,359
Speaker 3: assets during terms of economic turmoil.

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Speaker 2: Do well, what are.

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Speaker 3: Your thoughts before we get there, Jess, have you thought

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Speaker 3: about gold?

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Speaker 2: Is that something you want to purchase?

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Speaker 4: If so, why we did a blog post a few

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Speaker 4: years on gold.

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Speaker 2: It's something I've considered.

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Speaker 4: I know that it's attractive for countries with a weaker dollar,

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00:19:05,760 --> 00:19:09,919
Speaker 4: ycause I'm excited. I'm like, oh girl, you know, yeah,

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00:19:10,080 --> 00:19:13,119
Speaker 4: like the countries where their currency maybe doesn't hold up

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Speaker 4: or it's quite unstable.

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00:19:14,560 --> 00:19:18,400
Speaker 2: I think pla hedging. That's exactly what I meant. Yep,

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00:19:18,480 --> 00:19:20,399
Speaker 2: that's exactly really where I was going with that.

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Speaker 4: But yeah, I know, like I know that that's the case.

442
00:19:23,880 --> 00:19:24,119
Speaker 3: For me.

443
00:19:24,359 --> 00:19:26,679
Speaker 4: It's not something I've invested in. It just seems a

444
00:19:26,680 --> 00:19:28,480
Speaker 4: bit tedious because you store it.

445
00:19:28,600 --> 00:19:31,200
Speaker 2: I don't know. I was just kind of like, what

446
00:19:31,640 --> 00:19:32,720
Speaker 2: the hell is going on?

447
00:19:33,440 --> 00:19:41,119
Speaker 4: It's actually really quite very little gold.

448
00:19:42,520 --> 00:19:44,040
Speaker 2: It's no like a picture of a bar.

449
00:19:45,280 --> 00:19:48,359
Speaker 3: So when people say they're buying gold, they're not just

450
00:19:48,440 --> 00:19:50,960
Speaker 3: like investing on the share market. You will go to

451
00:19:51,040 --> 00:19:55,000
Speaker 3: a company that issues goal really purchase gold from them,

452
00:19:55,200 --> 00:19:57,320
Speaker 3: and more often than not, you'll also pay them a

453
00:19:57,440 --> 00:20:00,879
Speaker 3: storage fee to hold onto and look after your gold.

454
00:20:01,040 --> 00:20:03,600
Speaker 3: Oh so, like some people might buy a bar of

455
00:20:03,600 --> 00:20:05,800
Speaker 3: gold bullion and you can buy them in lots of

456
00:20:05,840 --> 00:20:08,800
Speaker 3: different weights, so you could buy like ten grams or

457
00:20:08,840 --> 00:20:10,480
Speaker 3: one hundred grams or whatever of gold.

458
00:20:10,520 --> 00:20:13,240
Speaker 2: You're literally buying goal resource.

459
00:20:13,560 --> 00:20:17,040
Speaker 3: It's giving games night, it's giving I am playing Katan

460
00:20:17,280 --> 00:20:19,119
Speaker 3: and it's a resource that I've purchased.

461
00:20:19,760 --> 00:20:22,520
Speaker 2: Wow. But you're buying this asset and you can store it.

462
00:20:22,600 --> 00:20:24,840
Speaker 3: Some people keep them at home, some people keep them

463
00:20:24,880 --> 00:20:27,480
Speaker 3: in a safe some people keep them at a company

464
00:20:27,520 --> 00:20:30,280
Speaker 3: that stores gold. You could have a safety deposit box.

465
00:20:30,320 --> 00:20:32,760
Speaker 3: Like lots of people just buy this physical asset and

466
00:20:32,800 --> 00:20:35,840
Speaker 3: hold it. And the reason that people do it is

467
00:20:37,200 --> 00:20:42,560
Speaker 3: gold historically has held up during times of economic turmoil,

468
00:20:42,640 --> 00:20:45,120
Speaker 3: as I said before, but it usually holds its value

469
00:20:45,240 --> 00:20:50,040
Speaker 3: during cost of living crisises, making it relatively safe during

470
00:20:50,240 --> 00:20:53,879
Speaker 3: uncertain times. It's seen as as Jess was saying, a

471
00:20:53,920 --> 00:20:57,840
Speaker 3: lot stronger. So in countries where their dollars not as

472
00:20:57,880 --> 00:21:01,359
Speaker 3: strong or their government's not as strong, people hold gold

473
00:21:01,520 --> 00:21:06,240
Speaker 3: because it's stable and often, like gold will slowly increase

474
00:21:06,320 --> 00:21:10,119
Speaker 3: over time, it'll increase and that feels really safe. I

475
00:21:10,119 --> 00:21:12,240
Speaker 3: mean a lot of people might be looking at gold

476
00:21:12,280 --> 00:21:14,320
Speaker 3: at the moment because it's in the news a little

477
00:21:14,359 --> 00:21:18,639
Speaker 3: bit like when an asset increases in price, you know,

478
00:21:18,800 --> 00:21:20,399
Speaker 3: the news picks up on it and then like gold's

479
00:21:20,440 --> 00:21:22,680
Speaker 3: up and you're like, oh gold, I haven't thought about gold,

480
00:21:23,359 --> 00:21:27,520
Speaker 3: but it could play into your diversifications. So it behaves

481
00:21:27,840 --> 00:21:32,880
Speaker 3: very differently from shares and property, which can obviously not obviously,

482
00:21:32,920 --> 00:21:36,159
Speaker 3: but it can help reduce the overall risk of your

483
00:21:36,200 --> 00:21:38,879
Speaker 3: portfolio because it gives a little bit more stability. As

484
00:21:38,920 --> 00:21:41,040
Speaker 3: I said before, it's a tangible asset on like an

485
00:21:41,040 --> 00:21:43,359
Speaker 3: ETF or a share, like you can hold it like

486
00:21:43,440 --> 00:21:45,399
Speaker 3: beg you could go to the place that issues it

487
00:21:45,400 --> 00:21:45,879
Speaker 3: and you can.

488
00:21:45,800 --> 00:21:47,920
Speaker 2: Hold your gold bart ver you can.

489
00:21:48,200 --> 00:21:52,760
Speaker 3: There's no counterparty risk, so gold doesn't actually rely when

490
00:21:52,760 --> 00:21:56,840
Speaker 3: I say counterparty risk, like it doesn't rely on a company,

491
00:21:57,440 --> 00:22:01,000
Speaker 3: Like it doesn't rely on a company's performance or a

492
00:22:01,080 --> 00:22:06,000
Speaker 3: bank's solvency or you know, a CEO getting involved in

493
00:22:06,040 --> 00:22:06,639
Speaker 3: a scandal.

494
00:22:06,960 --> 00:22:09,960
Speaker 2: Yeah, it's an asset, full stopper. End of story.

495
00:22:10,359 --> 00:22:13,160
Speaker 3: And there's as Jess was saying before about the global

496
00:22:13,200 --> 00:22:17,240
Speaker 3: thing about you know, currency risk, there's actually global demand

497
00:22:17,440 --> 00:22:21,120
Speaker 3: for gold, so like it's recognized and valued all across

498
00:22:21,160 --> 00:22:23,800
Speaker 3: the world, and it has been for years, Like what

499
00:22:23,840 --> 00:22:28,240
Speaker 3: did pirates trade in gold coins? So it's very easy

500
00:22:28,280 --> 00:22:31,280
Speaker 3: to liquidate, i e. Sell if you need to get

501
00:22:31,280 --> 00:22:32,520
Speaker 3: the cash, which is.

502
00:22:32,480 --> 00:22:32,919
Speaker 2: Good to know.

503
00:22:33,680 --> 00:22:35,840
Speaker 3: What does that actually mean though, because a lot of

504
00:22:35,840 --> 00:22:39,280
Speaker 3: people are going to go v And this person who

505
00:22:39,400 --> 00:22:42,520
Speaker 3: wrote in Fantastic she said, I missed it. You're right,

506
00:22:42,640 --> 00:22:45,040
Speaker 3: probably should have touched on it. But it's not an

507
00:22:45,080 --> 00:22:48,159
Speaker 3: asset I love. So for me when I wrote my

508
00:22:48,200 --> 00:22:50,240
Speaker 3: books and for me when I talk to you guys

509
00:22:50,240 --> 00:22:56,119
Speaker 3: about wealth creation, I want growth and long term wealth building.

510
00:22:56,640 --> 00:23:01,520
Speaker 3: And if that's your focus and that's your plan, shares

511
00:23:01,560 --> 00:23:04,800
Speaker 3: and ETFs might be a better option than gold because.

512
00:23:05,119 --> 00:23:06,480
Speaker 2: Shares have income potential.

513
00:23:06,520 --> 00:23:09,280
Speaker 3: Shares can pay dividends, giving you regular passive income.

514
00:23:09,320 --> 00:23:10,359
Speaker 2: Gold can't do that.

515
00:23:10,440 --> 00:23:13,840
Speaker 3: Capital growth, So over time, the share market has historically

516
00:23:13,880 --> 00:23:19,560
Speaker 3: delivered better performance than gold. Ownership is one so like

517
00:23:19,600 --> 00:23:21,879
Speaker 3: when you buy shares, you're actually buying a very small

518
00:23:21,960 --> 00:23:24,719
Speaker 3: portion of a business, not just an asset that you

519
00:23:24,840 --> 00:23:28,199
Speaker 3: hold liquidity. So yes, you can sell your gold, but

520
00:23:28,280 --> 00:23:31,600
Speaker 3: it does take a lot longer to sell your gold,

521
00:23:32,000 --> 00:23:35,439
Speaker 3: and there are higher transaction costs on selling gold because

522
00:23:35,440 --> 00:23:39,080
Speaker 3: brokers get involved. Then you just hitting dispose of your

523
00:23:39,119 --> 00:23:44,280
Speaker 3: assets and then compound returns. So like reinvested dividends, create

524
00:23:44,400 --> 00:23:48,000
Speaker 3: more market growth, create a bigger, stronger portfolio. So if

525
00:23:48,000 --> 00:23:53,960
Speaker 3: we compared like gold and shares, like the purpose for me,

526
00:23:54,480 --> 00:23:58,800
Speaker 3: gold stores value and that's why Jess's point of like,

527
00:23:58,960 --> 00:24:02,360
Speaker 3: you know, currency is essentially going all right, well when

528
00:24:02,400 --> 00:24:04,639
Speaker 3: the market is not doing well, at least I have

529
00:24:04,720 --> 00:24:07,760
Speaker 3: gold and it's holding its value. Whereas shares, I would

530
00:24:07,760 --> 00:24:12,200
Speaker 3: say their purpose is wealth creation returns. Historically, gold doesn't

531
00:24:12,240 --> 00:24:15,960
Speaker 3: have very high returns, doesn't give you any income, low

532
00:24:16,000 --> 00:24:19,400
Speaker 3: returns in terms of growth. Shares high long term returns

533
00:24:19,440 --> 00:24:22,760
Speaker 3: and also you get some dividends. Risk Obviously gold is

534
00:24:22,840 --> 00:24:25,920
Speaker 3: lower risk. Shares are higher risk, but with higher risk

535
00:24:25,960 --> 00:24:29,840
Speaker 3: comes higher reward. I talked about liquidity and then growth

536
00:24:29,840 --> 00:24:32,520
Speaker 3: in portfolio, so that if we talk about your portfolio,

537
00:24:32,680 --> 00:24:35,320
Speaker 3: the reason you would hold gold is because you want

538
00:24:35,320 --> 00:24:37,520
Speaker 3: it to be a little bit more defensive, a little

539
00:24:37,560 --> 00:24:40,919
Speaker 3: bit more solid. You want the returns to be consistent,

540
00:24:41,000 --> 00:24:45,200
Speaker 3: and that is usually aligned with a more conservative investor

541
00:24:45,720 --> 00:24:49,439
Speaker 3: or an investor at the end of their investing life cycle.

542
00:24:49,880 --> 00:24:52,919
Speaker 3: On the flip side, shares and like our podcast, I

543
00:24:52,920 --> 00:24:56,720
Speaker 3: would say resonates with younger women, women who are working

544
00:24:56,800 --> 00:25:01,840
Speaker 3: full time. You're probably looking for growth, looking to generate

545
00:25:01,920 --> 00:25:04,000
Speaker 3: wealth over the long term and put yourself in a

546
00:25:04,000 --> 00:25:08,520
Speaker 3: better financial position. So gold can I would say, protect

547
00:25:08,600 --> 00:25:11,280
Speaker 3: your wealth, so it can protect your wealth over a

548
00:25:11,280 --> 00:25:14,000
Speaker 3: long period of time. I would say, on the flip side,

549
00:25:14,240 --> 00:25:16,679
Speaker 3: shares build your wealth. So are you trying to protect

550
00:25:16,680 --> 00:25:18,200
Speaker 3: your wealth or are you trying to build your wealth?

551
00:25:18,280 --> 00:25:21,800
Speaker 3: Is the question here, And a balanced portfolio actually might

552
00:25:21,800 --> 00:25:24,800
Speaker 3: include both. But you need to look at your goals

553
00:25:24,840 --> 00:25:27,760
Speaker 3: and then decide on which one makes the most sense

554
00:25:28,000 --> 00:25:32,000
Speaker 3: for you. So for me, it's very here there, they're

555
00:25:32,119 --> 00:25:35,959
Speaker 3: very very different assets. Gold, I would say, is incredibly conservative.

556
00:25:36,680 --> 00:25:37,800
Speaker 3: Shares your about growth.

557
00:25:38,119 --> 00:25:39,840
Speaker 4: What I'm here is I could buy myself some gold

558
00:25:39,920 --> 00:25:41,440
Speaker 4: jewelry and consider it an investment.

559
00:25:42,920 --> 00:25:44,800
Speaker 3: You do have to remember, though, when you buy gold,

560
00:25:44,800 --> 00:25:47,359
Speaker 3: you're often buying twenty four carrot gold. It's pure, and

561
00:25:47,400 --> 00:25:50,680
Speaker 3: when you buy like a bracelet or whatever, it might

562
00:25:50,680 --> 00:25:53,880
Speaker 3: be ten carrot or fourteen carrot and it's mixed. So yeah,

563
00:25:53,920 --> 00:25:56,560
Speaker 3: you can buy gold, just buy really good gold.

564
00:25:58,800 --> 00:26:02,760
Speaker 2: This is crazy, Cavely, It's the thing I like a cartoon. Yes,

565
00:26:02,880 --> 00:26:04,200
Speaker 2: it really does.

566
00:26:04,240 --> 00:26:07,080
Speaker 3: So you're saying that my braceletter that I'm wearing right

567
00:26:07,119 --> 00:26:09,760
Speaker 3: now is just going to increase in value, but only

568
00:26:09,800 --> 00:26:11,440
Speaker 3: if I melt it down, and we don't take into

569
00:26:11,440 --> 00:26:14,520
Speaker 3: consideration that the brand of it absolutely overpriced it.

570
00:26:15,240 --> 00:26:20,200
Speaker 2: You can melt it. You can melt it and completely reusable. Wow.

571
00:26:20,320 --> 00:26:22,439
Speaker 3: So if if you did have a twenty four carrot,

572
00:26:23,400 --> 00:26:26,399
Speaker 3: even twenty four carrot, it can be melted down and separated.

573
00:26:26,880 --> 00:26:30,320
Speaker 5: Oh my, yeah, this is so cool.

574
00:26:30,440 --> 00:26:31,560
Speaker 2: Maybe O blog post.

575
00:26:31,640 --> 00:26:32,960
Speaker 4: I didn't go into all of that, and it's a

576
00:26:32,960 --> 00:26:34,439
Speaker 4: couple of years old, but it might be be a

577
00:26:34,440 --> 00:26:35,960
Speaker 4: helpful for people to child.

578
00:26:36,080 --> 00:26:39,159
Speaker 3: Actually hasn't changed, so that blog post is still valid.

579
00:26:39,240 --> 00:26:42,240
Speaker 3: Would you like to talk about this week's DM guys?

580
00:26:42,280 --> 00:26:44,880
Speaker 2: Yes, I know you're ready. I know you're ready because

581
00:26:44,880 --> 00:26:47,679
Speaker 2: I live for gossip. All right, Hi, she's on the

582
00:26:47,720 --> 00:26:48,320
Speaker 2: Money Crew.

583
00:26:48,560 --> 00:26:51,000
Speaker 3: I have a money dilemma which has been weighing really

584
00:26:51,040 --> 00:26:54,359
Speaker 3: heavily on me over the last few weeks. I've recently

585
00:26:54,400 --> 00:26:56,760
Speaker 3: been offered a training position at work that I've been

586
00:26:56,840 --> 00:26:59,639
Speaker 3: hoping for ever since I started my degree. It's my

587
00:26:59,760 --> 00:27:02,320
Speaker 3: dream job and to get offered training so early in

588
00:27:02,359 --> 00:27:06,640
Speaker 3: my career is an absolute blessing. However, I've also recently

589
00:27:06,680 --> 00:27:09,280
Speaker 3: gotten married and we've been talking about trying to start

590
00:27:09,280 --> 00:27:11,760
Speaker 3: a family soon. I feel like I'm now stuck between

591
00:27:11,800 --> 00:27:14,879
Speaker 3: making a choice between my career and my family. I

592
00:27:14,920 --> 00:27:17,200
Speaker 3: don't know if I should be taking the training position,

593
00:27:17,520 --> 00:27:20,280
Speaker 3: which would be two years full time for the qualification

594
00:27:20,720 --> 00:27:22,959
Speaker 3: and risk getting pregnant in the middle of it, or

595
00:27:23,000 --> 00:27:25,800
Speaker 3: if I should decline and risk missing out on the opportunity.

596
00:27:26,160 --> 00:27:27,119
Speaker 2: I've been having so.

597
00:27:27,080 --> 00:27:31,280
Speaker 3: Much uncertainty and anxiety around something that I've wanted so badly.

598
00:27:31,960 --> 00:27:34,439
Speaker 3: Any advice would be greatly appreciated.

599
00:27:34,680 --> 00:27:35,960
Speaker 2: I really, really.

600
00:27:35,720 --> 00:27:40,639
Speaker 5: Really think that you should be following your career dreams

601
00:27:40,640 --> 00:27:45,439
Speaker 5: and goals because I want everyone to watch Have you

602
00:27:45,440 --> 00:27:46,600
Speaker 5: guys heard of Night Bitch?

603
00:27:47,040 --> 00:27:49,680
Speaker 2: No, it's with any recommendation you make.

604
00:27:50,359 --> 00:27:52,600
Speaker 5: I mean, okay, I think that our listener should watch

605
00:27:52,640 --> 00:27:56,920
Speaker 5: this before because I really do think. I just don't

606
00:27:56,920 --> 00:27:58,359
Speaker 5: want you to get into a place where you're, like,

607
00:27:58,840 --> 00:28:01,360
Speaker 5: I don't know, like you've had child. You are happy, obviously,

608
00:28:01,400 --> 00:28:03,919
Speaker 5: like you know, you love your children and they bring

609
00:28:03,920 --> 00:28:06,879
Speaker 5: you so much. But I just fear that like a

610
00:28:06,920 --> 00:28:08,960
Speaker 5: lot of people do kind of like lose themselves once

611
00:28:09,000 --> 00:28:11,520
Speaker 5: they have a child, and they're like their identity and

612
00:28:11,560 --> 00:28:13,720
Speaker 5: like it's so much more work, Like it's so much

613
00:28:13,800 --> 00:28:15,480
Speaker 5: more consuming than we ever realize.

614
00:28:15,680 --> 00:28:17,320
Speaker 2: And so I feel like, first.

615
00:28:17,080 --> 00:28:19,680
Speaker 5: Of all, having that conversation with your partner whoever you're

616
00:28:19,680 --> 00:28:21,840
Speaker 5: having a child with. And some people have a child

617
00:28:21,920 --> 00:28:24,000
Speaker 5: on their own, and some people do it with multiple people.

618
00:28:24,000 --> 00:28:26,199
Speaker 5: But I think that if you have a conversation, you

619
00:28:26,280 --> 00:28:29,159
Speaker 5: really really are sure of all the expectations, You're like

620
00:28:29,560 --> 00:28:33,119
Speaker 5: thinking about every aspect of every single day. That is

621
00:28:33,160 --> 00:28:34,960
Speaker 5: really important because you don't want to get to a

622
00:28:34,960 --> 00:28:37,520
Speaker 5: place where like you're having a child with someone and

623
00:28:37,560 --> 00:28:40,760
Speaker 5: then you realize that the load is really not very equal,

624
00:28:41,040 --> 00:28:43,479
Speaker 5: and you just buy default, go into this stay at

625
00:28:43,520 --> 00:28:46,080
Speaker 5: home parenting role, and then you buy default, give up

626
00:28:46,160 --> 00:28:48,320
Speaker 5: all your hopes and dreams, and then before you know it,

627
00:28:48,480 --> 00:28:50,920
Speaker 5: ten years have passed and you're like people are like, hey,

628
00:28:51,000 --> 00:28:52,600
Speaker 5: what do you do for work? And you're like, oh,

629
00:28:52,640 --> 00:28:55,479
Speaker 5: I used to be and then you're like, no, I

630
00:28:55,760 --> 00:28:59,680
Speaker 5: was that. I was a lawyer. Now I'm a mum.

631
00:29:00,000 --> 00:29:01,760
Speaker 5: It's great as well, but you just don't want to

632
00:29:01,800 --> 00:29:03,800
Speaker 5: lose yourself. You don't want lose your identity. Keep following

633
00:29:03,840 --> 00:29:06,920
Speaker 5: your dreams. If something happens, if you're feel pregnant, you

634
00:29:07,000 --> 00:29:11,360
Speaker 5: must have that conversation about distributing the load. So that

635
00:29:11,400 --> 00:29:14,960
Speaker 5: you don't lose yourself, your partner doesn't lose themselves. Everyone's happy.

636
00:29:15,120 --> 00:29:16,640
Speaker 5: Just don't give it up, don't give up your dreams.

637
00:29:16,680 --> 00:29:19,360
Speaker 5: Watch Night Bitch's make.

638
00:29:19,280 --> 00:29:22,120
Speaker 2: It take away, right, I'm going to watch Night Bitch? Please? Yes?

639
00:29:22,200 --> 00:29:23,360
Speaker 2: What are your thoughts on this?

640
00:29:23,680 --> 00:29:26,200
Speaker 4: I think you need to decide, like do you want

641
00:29:26,240 --> 00:29:27,600
Speaker 4: to have a kid in the next two years or not?

642
00:29:27,640 --> 00:29:29,440
Speaker 4: Like you've kind of said, oh, I've gotten married, we're

643
00:29:29,520 --> 00:29:32,280
Speaker 4: thinking about it. And I know that you can't always plan,

644
00:29:32,400 --> 00:29:35,040
Speaker 4: like it's not a perfect world, but like you can

645
00:29:35,080 --> 00:29:37,720
Speaker 4: definitely go is the plan to have a kid in

646
00:29:37,720 --> 00:29:40,040
Speaker 4: the next two years or not? Because I think this

647
00:29:40,120 --> 00:29:42,240
Speaker 4: is more than just taking on a job, like you're

648
00:29:42,280 --> 00:29:45,960
Speaker 4: taking on a level of education, and to me, it

649
00:29:46,000 --> 00:29:49,600
Speaker 4: feels a little bit wasteful almost of both your time

650
00:29:50,000 --> 00:29:52,400
Speaker 4: and the resources of the company that I'm assuming would

651
00:29:52,440 --> 00:29:55,840
Speaker 4: be paying for you to do this training, whatever that is,

652
00:29:56,680 --> 00:29:59,720
Speaker 4: if you were to get halfway through, for example, and

653
00:29:59,760 --> 00:30:02,800
Speaker 4: then drop out. With that being said, I would also

654
00:30:02,840 --> 00:30:05,600
Speaker 4: look into, well, is it something I could put on pause?

655
00:30:05,640 --> 00:30:07,239
Speaker 4: It's hard because we don't know what the training is,

656
00:30:07,240 --> 00:30:09,040
Speaker 4: but like, could I do if say I got halfway

657
00:30:09,080 --> 00:30:11,440
Speaker 4: through my training and felt pregnant and when on maternity.

658
00:30:11,120 --> 00:30:12,240
Speaker 2: Lead, why can't I come back to it?

659
00:30:12,360 --> 00:30:14,080
Speaker 4: Can I pick the training back up? But I know

660
00:30:14,120 --> 00:30:16,920
Speaker 4: that sometimes with these things, like you, there's like a

661
00:30:17,000 --> 00:30:19,240
Speaker 4: time limit on it, So I would just look into

662
00:30:19,240 --> 00:30:20,760
Speaker 4: that to know your options.

663
00:30:21,360 --> 00:30:22,560
Speaker 2: But I think that, like, if you're.

664
00:30:22,520 --> 00:30:24,080
Speaker 4: Going to have a child, that's probably something that you

665
00:30:24,160 --> 00:30:27,120
Speaker 4: do need to be planning for regardless, So it might

666
00:30:27,160 --> 00:30:31,160
Speaker 4: be helpful for you to solidify what those plans ideally

667
00:30:31,200 --> 00:30:33,640
Speaker 4: look like, because we also know that getting pregnant is

668
00:30:33,680 --> 00:30:37,320
Speaker 4: not linear and the best laid plans can go awry. Yeah,

669
00:30:37,440 --> 00:30:40,480
Speaker 4: Like I wouldn't say that it's really our place to

670
00:30:40,560 --> 00:30:42,360
Speaker 4: tell you yes or no. I think it's really something

671
00:30:42,400 --> 00:30:45,240
Speaker 4: you've got to look at within yourself because I, as

672
00:30:45,280 --> 00:30:47,520
Speaker 4: you said back, I don't want you to put your

673
00:30:48,160 --> 00:30:51,080
Speaker 4: dream job on hold, And just because you're going to

674
00:30:51,080 --> 00:30:52,960
Speaker 4: have a child doesn't mean that you're not going to

675
00:30:53,000 --> 00:30:55,320
Speaker 4: then want to come back to that dream career. And

676
00:30:55,320 --> 00:30:57,440
Speaker 4: it would be unfortunate to give up an opportunity.

677
00:30:57,480 --> 00:30:59,800
Speaker 2: But I think you just need to weigh up what

678
00:30:59,840 --> 00:31:00,480
Speaker 2: you want.

679
00:31:00,800 --> 00:31:02,840
Speaker 4: It's a classic thing you can have everything you want,

680
00:31:02,880 --> 00:31:05,560
Speaker 4: but not at once. Yeah, And I do think like

681
00:31:05,640 --> 00:31:08,800
Speaker 4: as much as I know that we say all the time,

682
00:31:08,880 --> 00:31:12,640
Speaker 4: like your workplace wouldn't hesitate to replace you, da da da.

683
00:31:12,760 --> 00:31:15,920
Speaker 4: I do think like there's some level of consideration ode

684
00:31:15,960 --> 00:31:18,760
Speaker 4: to them if they're going to be footing the bill

685
00:31:18,800 --> 00:31:20,840
Speaker 4: for you to do whatever this training is and putting

686
00:31:20,920 --> 00:31:24,120
Speaker 4: that time and that resourcing into you. If you know

687
00:31:24,280 --> 00:31:26,400
Speaker 4: for a fact that in twelve months, if you can

688
00:31:26,440 --> 00:31:27,960
Speaker 4: be pregnant, you would want to be pregnant.

689
00:31:28,080 --> 00:31:30,320
Speaker 2: Does that make sense? Yeah, that makes sense. Can I

690
00:31:30,360 --> 00:31:32,720
Speaker 2: bring the mood down? Yeah?

691
00:31:33,040 --> 00:31:35,200
Speaker 3: So I look at this and I just go do

692
00:31:35,320 --> 00:31:37,920
Speaker 3: the course, do it, sign up for it, you get

693
00:31:37,960 --> 00:31:40,840
Speaker 3: it done. I would have spent a lot of time

694
00:31:40,920 --> 00:31:44,840
Speaker 3: in limbo if I had put my life on hold

695
00:31:44,960 --> 00:31:48,040
Speaker 3: and my career on hold because I wanted to have

696
00:31:48,120 --> 00:31:50,440
Speaker 3: a baby. And when I said I want to bring

697
00:31:50,440 --> 00:31:56,400
Speaker 3: the mood down. I found pregnancy hard. But I found

698
00:31:56,440 --> 00:31:58,920
Speaker 3: it extra hard because I had two pregnancies before I

699
00:31:58,920 --> 00:32:00,280
Speaker 3: had Harvey that I lot lost.

700
00:32:00,880 --> 00:32:02,920
Speaker 2: And one thing that made.

701
00:32:03,440 --> 00:32:07,080
Speaker 3: Everything, I think a lot easier was having my career,

702
00:32:07,200 --> 00:32:09,920
Speaker 3: having things in the background that I was looking forward to,

703
00:32:10,360 --> 00:32:11,960
Speaker 3: being able to get out of bed and go to

704
00:32:12,000 --> 00:32:14,600
Speaker 3: work and still do the podcast and work on the

705
00:32:14,640 --> 00:32:17,600
Speaker 3: online courses, and none of that was on hold because

706
00:32:17,680 --> 00:32:20,840
Speaker 3: of Victoria's planning on having a baby at some point

707
00:32:20,920 --> 00:32:22,720
Speaker 3: and so therefore we need to pull back.

708
00:32:23,160 --> 00:32:24,840
Speaker 2: I think at that point in.

709
00:32:24,880 --> 00:32:28,680
Speaker 3: Time, I was so appreciative that, like we weren't like

710
00:32:29,320 --> 00:32:32,760
Speaker 3: planning to take time off because you just never know

711
00:32:32,840 --> 00:32:35,040
Speaker 3: how long that's going to take. Like you could get

712
00:32:35,080 --> 00:32:36,720
Speaker 3: pregnant first, go slay.

713
00:32:37,000 --> 00:32:37,400
Speaker 2: Do you know what?

714
00:32:37,560 --> 00:32:40,680
Speaker 3: I don't think you owe anything to your employer. I

715
00:32:40,680 --> 00:32:43,160
Speaker 3: would be really upset if I found that someone in

716
00:32:43,200 --> 00:32:46,760
Speaker 3: my team was prioritizing my business over their ability to

717
00:32:46,760 --> 00:32:50,000
Speaker 3: have a baby, because that is so hard. Like for

718
00:32:50,080 --> 00:32:53,959
Speaker 3: some people they start the journey bam, pregnant real quick, congrats.

719
00:32:54,360 --> 00:32:57,840
Speaker 3: For some it takes literal years. And the idea that

720
00:32:57,880 --> 00:33:00,920
Speaker 3: you would have then put your career on hold visits

721
00:33:01,160 --> 00:33:03,000
Speaker 3: thing that wasn't eventuating, and your.

722
00:33:02,920 --> 00:33:06,880
Speaker 2: Whole life becomes paused. Like, don't do that to yourself.

723
00:33:07,080 --> 00:33:08,959
Speaker 3: I would prefer you to have to go to your

724
00:33:09,000 --> 00:33:12,000
Speaker 3: employer because it's none of their business how you got pregnant.

725
00:33:12,400 --> 00:33:13,280
Speaker 2: Was it an accident?

726
00:33:14,000 --> 00:33:17,440
Speaker 3: Like people get pregnant by accident all the time, Like

727
00:33:17,800 --> 00:33:19,959
Speaker 3: we don't have to say, yeah, actually I took up

728
00:33:20,000 --> 00:33:23,600
Speaker 3: your training, and then my husband and I actively started

729
00:33:23,640 --> 00:33:26,000
Speaker 3: trying to conceive a baby so that I could pull

730
00:33:26,040 --> 00:33:27,520
Speaker 3: out of this training that you put me in.

731
00:33:27,800 --> 00:33:29,000
Speaker 2: We're not going to put it that way. You go,

732
00:33:29,040 --> 00:33:32,680
Speaker 2: oh my goodness, what a blessing found out I was pregnant.

733
00:33:32,880 --> 00:33:36,160
Speaker 3: Let's deal with that then, because I can almost guarantee

734
00:33:36,280 --> 00:33:39,160
Speaker 3: this can be put on pause. Like, if you're planning

735
00:33:39,560 --> 00:33:42,640
Speaker 3: next year trying for a baby, You've got twelve months

736
00:33:42,680 --> 00:33:45,520
Speaker 3: in this training. It then takes nine months to make

737
00:33:45,560 --> 00:33:48,840
Speaker 3: a baby. You're most of the way there. That's like,

738
00:33:49,200 --> 00:33:52,440
Speaker 3: can you continue the training without full time employment?

739
00:33:52,480 --> 00:33:54,400
Speaker 2: Maybe it's something you could polish off on matt leave.

740
00:33:54,480 --> 00:33:56,720
Speaker 3: I'm not saying that everyone could do that, because Matt

741
00:33:56,760 --> 00:33:59,920
Speaker 3: Lee for everybody is very different, but like, we can work.

742
00:33:59,760 --> 00:34:01,360
Speaker 2: It out, and I'm very much.

743
00:34:02,680 --> 00:34:05,080
Speaker 3: Look, let's just go with the flow kind of girly,

744
00:34:05,440 --> 00:34:09,120
Speaker 3: because pregnancy is not something that is, as you were saying,

745
00:34:09,280 --> 00:34:12,799
Speaker 3: linear or easy, and you can't guarantee that, yeah, I'm

746
00:34:12,840 --> 00:34:15,680
Speaker 3: going to have this super straightforward pregnancy. Do you know what,

747
00:34:15,719 --> 00:34:17,200
Speaker 3: you might get to the end of the training. Let's

748
00:34:17,200 --> 00:34:19,399
Speaker 3: pretend it takes you a bit to get pregnant. You've

749
00:34:19,880 --> 00:34:22,560
Speaker 3: agreed to the training you do, all the training, you have,

750
00:34:22,680 --> 00:34:26,440
Speaker 3: your dream job, you have your baby, everything's looking up Millhouse.

751
00:34:27,400 --> 00:34:30,239
Speaker 3: You then go, I never want to return to work again.

752
00:34:30,320 --> 00:34:33,239
Speaker 3: I love being a stay at home mum. Wow, what

753
00:34:33,320 --> 00:34:36,920
Speaker 3: an opportunity that you have the choice, like, I just

754
00:34:36,960 --> 00:34:39,680
Speaker 3: want you to have choice. And by putting it on

755
00:34:39,800 --> 00:34:43,000
Speaker 3: hold or on ice because you're so worried about impacting

756
00:34:43,040 --> 00:34:46,560
Speaker 3: other people, is not putting yourself first. Yeah, put yourself first,

757
00:34:46,560 --> 00:34:49,240
Speaker 3: be a little bit, and it's not selfish, but feel selfish.

758
00:34:49,560 --> 00:34:50,160
Speaker 2: I don't mind.

759
00:34:50,239 --> 00:34:53,040
Speaker 3: I think it is fantastic what everyone else think. Everyone

760
00:34:53,040 --> 00:34:56,720
Speaker 3: else had a lot of different opinions, So we first

761
00:34:56,760 --> 00:34:58,680
Speaker 3: asked you guys a few questions. We said, what will

762
00:34:58,719 --> 00:35:01,160
Speaker 3: you do if you were our community member. Forty one

763
00:35:01,160 --> 00:35:03,160
Speaker 3: percent of you said, take the dream role jobs, do

764
00:35:03,320 --> 00:35:07,120
Speaker 3: not wait, Five percent said hold off for your family plans,

765
00:35:07,440 --> 00:35:10,360
Speaker 3: and fifty two percent said try to do both and

766
00:35:10,480 --> 00:35:13,759
Speaker 3: see what happens. Two percent of you said too hard

767
00:35:13,760 --> 00:35:17,680
Speaker 3: to decide. We then asked, should women factor in potential

768
00:35:17,680 --> 00:35:21,160
Speaker 3: pregnancy when accepting a high commitment role, even if it's

769
00:35:21,200 --> 00:35:24,640
Speaker 3: just a maybe. Thirty five percent said yeah, it's being realistic.

770
00:35:25,160 --> 00:35:28,000
Speaker 3: Fifty six percent said no, it shouldn't be a factor,

771
00:35:28,239 --> 00:35:31,480
Speaker 3: and nine percent said, I've made decisions based on this before.

772
00:35:32,200 --> 00:35:35,160
Speaker 3: I'd love that, And I like that I've made decisions

773
00:35:35,200 --> 00:35:37,359
Speaker 3: based on this before because you can really only talk

774
00:35:37,360 --> 00:35:40,200
Speaker 3: about it when you're in it, Like parenting, like as

775
00:35:40,200 --> 00:35:42,520
Speaker 3: a parent is so much different to what you think

776
00:35:42,560 --> 00:35:44,239
Speaker 3: it's going to be. You go, okay, cool, Like how

777
00:35:44,280 --> 00:35:46,520
Speaker 3: am I going to You're thinking so much about the juggle?

778
00:35:46,760 --> 00:35:48,239
Speaker 3: You're like, how am I going to do this? Like

779
00:35:48,360 --> 00:35:50,400
Speaker 3: what will we do for daycare? What will we do

780
00:35:50,480 --> 00:35:52,760
Speaker 3: for child reading? How will I return to my career?

781
00:35:53,960 --> 00:35:56,480
Speaker 3: I promise you it flows a lot easier than you

782
00:35:56,480 --> 00:35:58,279
Speaker 3: think it's going to, don't get me wrong, Like there

783
00:35:58,320 --> 00:36:02,960
Speaker 3: is the juggle, but like your lifestyle changes so dramatically

784
00:36:03,480 --> 00:36:05,800
Speaker 3: that like it just becomes part of the new normal.

785
00:36:06,360 --> 00:36:08,719
Speaker 3: Like I'm not thinking about my career and all of

786
00:36:08,719 --> 00:36:10,719
Speaker 3: my girlfriends, and like the girls that I know in

787
00:36:10,800 --> 00:36:14,040
Speaker 3: Mothers Group, we're not like, oh, it's linear and you

788
00:36:14,200 --> 00:36:16,560
Speaker 3: have to stop your career here to start here. Like

789
00:36:17,200 --> 00:36:19,080
Speaker 3: I think we need to just be talking about this

790
00:36:19,200 --> 00:36:21,759
Speaker 3: and working out how we can continue and how we

791
00:36:21,800 --> 00:36:24,319
Speaker 3: can keep having these conversations, because it's putting you in

792
00:36:24,320 --> 00:36:27,720
Speaker 3: the best possible position. So we said, what's your two cents?

793
00:36:28,120 --> 00:36:31,160
Speaker 3: First person said, I fact it in pregnancy. If considering

794
00:36:31,239 --> 00:36:34,960
Speaker 3: changing jobs because I needed security and stability, that's a

795
00:36:35,000 --> 00:36:37,680
Speaker 3: different story than taking training though. Yeah, and like that

796
00:36:37,760 --> 00:36:39,440
Speaker 3: goes back to what I was saying before. I've got

797
00:36:39,440 --> 00:36:41,480
Speaker 3: girlfriends who are like, do I move because I want

798
00:36:41,520 --> 00:36:44,799
Speaker 3: another baby? But like a new maternity leave policy would

799
00:36:44,800 --> 00:36:46,719
Speaker 3: mean I have to be at a location for a

800
00:36:46,719 --> 00:36:49,200
Speaker 3: certain amount of time before I get access to the

801
00:36:49,280 --> 00:36:51,839
Speaker 3: maternity leave, Like do I want to wait that long

802
00:36:51,880 --> 00:36:53,440
Speaker 3: for a baby? Do I want to have a baby?

803
00:36:53,440 --> 00:36:56,920
Speaker 3: And state this company like it's a juggle in that case,

804
00:36:57,000 --> 00:37:00,120
Speaker 3: we are actually thinking about it. The next person and

805
00:37:00,160 --> 00:37:02,759
Speaker 3: said it sucks we have to choose between career and pregnancy.

806
00:37:03,239 --> 00:37:05,719
Speaker 4: Yeah, when you were talking about it before, I was

807
00:37:05,800 --> 00:37:08,080
Speaker 4: just thinking I hadn't when I gave my response, like

808
00:37:08,120 --> 00:37:10,880
Speaker 4: I really hadn't even considered, which is very naive, like

809
00:37:10,920 --> 00:37:12,759
Speaker 4: the gendered lens and the fact that.

810
00:37:12,960 --> 00:37:14,279
Speaker 2: My husband didn't have to do this.

811
00:37:14,320 --> 00:37:16,200
Speaker 4: Well, Yeah, and I mean it depends as well on

812
00:37:16,239 --> 00:37:18,000
Speaker 4: whether or not our listener, we don't know if they

813
00:37:18,040 --> 00:37:21,319
Speaker 4: plan on being the primary caregiver, what that looks like. Yeah,

814
00:37:21,360 --> 00:37:24,120
Speaker 4: that would all factor in, but it just, yeah, it

815
00:37:24,160 --> 00:37:25,600
Speaker 4: didn't even come into my brain. And I was like,

816
00:37:25,920 --> 00:37:28,840
Speaker 4: how awful that that is something that weighs so heavily

817
00:37:28,880 --> 00:37:29,560
Speaker 4: on a lot of us.

818
00:37:29,760 --> 00:37:33,319
Speaker 3: So that plays into the next response. Someone said, there's

819
00:37:33,360 --> 00:37:35,640
Speaker 3: actually no right or wrong answer as long as the

820
00:37:35,719 --> 00:37:40,600
Speaker 3: choice is yours. I agree, yes, which I couldn't agree more.

821
00:37:41,200 --> 00:37:43,400
Speaker 3: Someone else said, you can always leave a job if

822
00:37:43,400 --> 00:37:45,520
Speaker 3: it doesn't work out, but you don't want fear to

823
00:37:45,560 --> 00:37:49,480
Speaker 3: hold you back. Next person said starting a family shouldn't

824
00:37:49,480 --> 00:37:50,920
Speaker 3: compromise your career goals.

825
00:37:50,920 --> 00:37:52,520
Speaker 2: There's always a way forward.

826
00:37:52,800 --> 00:37:55,560
Speaker 3: I agree with that, Like, I just think, work out

827
00:37:55,600 --> 00:37:58,360
Speaker 3: your career, dive headfirst into that because do you know

828
00:37:58,400 --> 00:38:02,800
Speaker 3: what some people like me, I got really sick. Yeah,

829
00:38:02,840 --> 00:38:06,080
Speaker 3: for the first twelve weeks of three friggin' pregnancies.

830
00:38:06,160 --> 00:38:08,360
Speaker 2: Be for real? That should be illegal.

831
00:38:08,480 --> 00:38:10,239
Speaker 3: Yeah, Like I shouldn't have to go through the first

832
00:38:10,239 --> 00:38:14,279
Speaker 3: trimester three times. I had h I got diagnosed. I'm

833
00:38:14,280 --> 00:38:16,480
Speaker 3: not just saying I had HG, but I got diagnosed

834
00:38:16,520 --> 00:38:20,520
Speaker 3: with HG, which is a severe form of morning sickness. Right,

835
00:38:20,719 --> 00:38:22,480
Speaker 3: I didn't know I was going to get that. Like

836
00:38:22,760 --> 00:38:24,759
Speaker 3: I thought that I was going to glide through and

837
00:38:25,040 --> 00:38:27,200
Speaker 3: at maybe eight months we'd wind down.

838
00:38:27,800 --> 00:38:30,560
Speaker 2: No, like my whole entire life went into a spin.

839
00:38:31,080 --> 00:38:34,279
Speaker 3: Someone else said, take the role, work for twelve months,

840
00:38:34,320 --> 00:38:37,600
Speaker 3: and then start trying in the second year. Another person said,

841
00:38:37,640 --> 00:38:40,359
Speaker 3: I gave up opportunities for potential pregnancy and then had

842
00:38:40,360 --> 00:38:41,280
Speaker 3: fertility issues.

843
00:38:41,400 --> 00:38:45,000
Speaker 2: Just take the job. Yeah, And another person said, and

844
00:38:45,000 --> 00:38:47,239
Speaker 2: this plays into Jess and is a perfect way to

845
00:38:47,239 --> 00:38:47,600
Speaker 2: wrap it.

846
00:38:48,080 --> 00:38:51,719
Speaker 3: Men wouldn't worry about this, so why are we yeah,

847
00:38:52,640 --> 00:38:54,480
Speaker 3: which is so true. They'd be like, why are we

848
00:38:54,520 --> 00:38:56,640
Speaker 3: talking about this? Just take the job today and we'll

849
00:38:56,640 --> 00:38:57,439
Speaker 3: work it out later.

850
00:38:58,239 --> 00:38:59,839
Speaker 2: Do it? Do it? Just do it all right?

851
00:38:59,840 --> 00:39:03,120
Speaker 3: Well, it has been lovely my friends, have a beautiful weekend.

852
00:39:03,160 --> 00:39:05,280
Speaker 3: And on the flip side, I will see you on Monday,

853
00:39:05,320 --> 00:39:06,760
Speaker 3: bright and early for a money doughy.

854
00:39:06,680 --> 00:39:07,760
Speaker 2: Gorgeous bie guys.

855
00:39:07,920 --> 00:39:10,200
Speaker 5: Bye.

856
00:39:14,160 --> 00:39:16,680
Speaker 3: The advice shared on She's on the Money is general

857
00:39:16,760 --> 00:39:20,560
Speaker 3: in nature and does not consider your individual circumstances. She's

858
00:39:20,640 --> 00:39:24,120
Speaker 3: on the Money exists purely for educational purposes and should

859
00:39:24,120 --> 00:39:27,320
Speaker 3: not be relied upon to make an investment or financial decision.

860
00:39:27,680 --> 00:39:30,160
Speaker 3: If you do choose to buy a financial product, read

861
00:39:30,160 --> 00:39:34,320
Speaker 3: the PDS TMD and obtain appropriate financial advice tailored towards

862
00:39:34,320 --> 00:39:37,640
Speaker 3: your needs. Victoria divine and She's on the money. Are

863
00:39:37,680 --> 00:39:42,719
Speaker 3: authorized representatives of money sheirper pty Ltd ABN three two

864
00:39:42,760 --> 00:39:45,759
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865
00:39:46,040 --> 00:39:51,920
Speaker 3: AFSL four five one two eight nine