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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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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Speaker 4: Hello, and welcome to She's on the Money. The po

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Speaker 4: gus that makes personal finance fun, especially on Fridays. It

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Speaker 4: is my personal and our favorite day of the week

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Speaker 4: because we get to get our team together and celebrate

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Speaker 4: you our incredible She's on the Money community, Miss Jess Gricci,

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Speaker 4: She's here sharing our favorite money wins from the group.

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Speaker 4: Beck is going to be here sharing her broke tips

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Speaker 4: and we'll be helping to answer a money dilemma.

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Speaker 2: What do you do when you have to sell.

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Speaker 4: Your house because of a divorce and then something that

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Speaker 4: you slid into our dms about are you being dodgy

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Speaker 4: when you don't tell a shop that you know they're

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Speaker 4: undercharging you?

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Speaker 2: That's interesting. I feel like it is really interesting.

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Speaker 4: But before we get there, guys, how have your weeks

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Speaker 4: been that Ma's been good.

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Speaker 5: It's been a little crisp in the air, if you will,

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Speaker 5: But I don't like it. Oh, I do you miss

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Speaker 5: summer already?

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Speaker 2: I feel like this is going to.

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Speaker 4: Sound so dumb as someone with a wardrobe full of

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Speaker 4: clothes you don't.

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Speaker 2: Have any winter outfits.

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Speaker 5: I feel exactly the same, and it happens to be every.

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Speaker 4: Day and keeps that every recording I have had over

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Speaker 4: the last few weeks for the podcast, I have worn

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Speaker 4: these pair of jeans because like, I get overwhelmed looking

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Speaker 4: in my wardrobe being like what do I wear? Like

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Speaker 4: it's not going to be super warm, but like I

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Speaker 4: also don't want to be cold, ye, but I want

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Speaker 4: to look good. Yeah anyway, Like that's the biggest first

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Speaker 4: world dilemma. So maybe you and I can sit down

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Speaker 4: and make like a Pinterest vision board of like our

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Speaker 4: winter wardrobes, because I just want to be able to

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Speaker 4: walk into my wardrobe and have a few ideas of

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Speaker 4: the outfits I have, but I don't want.

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Speaker 2: To buy anything new.

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Speaker 4: Yeah, Like I know I have cute stuff and I

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Speaker 4: just have cute stuff. Yeah, but so do you, and

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Speaker 4: I know you do, so like we need to just

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Speaker 4: like I don't know, match outfits for each other or something,

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Speaker 4: because like I'm not buying more winter clothes. No, I'm

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Speaker 4: thirty three. Like they take up so much. I have

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Speaker 4: a wardrobe.

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Speaker 2: You go on a whale starts and then everything's happening. Yeah,

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Speaker 2: but in summer, I don't need a coat.

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Speaker 6: Well that's when it's cheapest, and then you'll be thinking

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Speaker 6: about that.

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Speaker 2: Yes, but at that point, I don't need a coat.

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Speaker 2: I already have coats.

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Speaker 4: Yes, that is cheap, but I'm being impulsive, and then

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Speaker 4: come winter, I'm like I.

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Speaker 2: Wish I was more impulsive.

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Speaker 4: Yeah, it's I haven't managed to crack the cycle anyway,

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Speaker 4: beck House, you're weak being because I've gotten off track completely.

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Speaker 6: We've been really good. I'm a little bit sick, so

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Speaker 6: I apologize in advance. Fie you get away from us.

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Speaker 6: I know I'm lucky.

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Speaker 2: These studio is so big.

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Speaker 6: Yeah, I feel like we're at a safe distance right now.

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Speaker 6: But you know what, you know, you have that thing

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Speaker 6: like the back of your throat is itchy, but also

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Speaker 6: the nose holes and so you can't like you kind

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Speaker 6: of like you can't scratch. Yeah, exactly, do that thing

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Speaker 6: with your tongue and then you anyway.

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Speaker 2: You need to have some honey, like coat your throat

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Speaker 2: in some honey.

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Speaker 6: Yeah, honey, I feel like I want to get a

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Speaker 6: comb and just like car in the back.

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Speaker 2: I totally get that.

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Speaker 4: But this is the time when everybody who you know,

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Speaker 4: when you like get really sick and you're like, I

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Speaker 4: did not appreciate being able to breathe, yeah, some kind

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Speaker 4: of something instantly.

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Speaker 2: This is the time, Jess, breathe in. Yeah, take advantage

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Speaker 2: you got, but we value that. Yeah, I feel good.

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Speaker 5: Everyone who's listening right now, take a second.

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Speaker 2: Breathe in, ye, breathe in.

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Speaker 4: I'm so great appreciate the times that you can breathe

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Speaker 4: clearly use winter is coming, it's.

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Speaker 2: Not going to stick around.

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Speaker 6: I'm so grateful for those moments when I'm when I'm sick,

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Speaker 6: but I so take to take advantage when you really,

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Speaker 6: you know, when you have like a tongue alcer and

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Speaker 6: you're like, I can't remember what it's like to eat

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Speaker 6: without being in excruciating when I get ulcers.

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Speaker 4: So when I get very stressed, I get ulcers. Jess

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Speaker 4: has seen them before. They are hectic. Like one time

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Speaker 4: I was like, Jess, I've got this really bad also,

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Speaker 4: and she's like, yeah, yeah, whatever whatever, and I was like,

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Speaker 4: do you want to see it? And she's like yeah,

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Speaker 4: And I pull down my bottom lip and it's the

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Speaker 4: entirety all my black around my teeth, like along the

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Speaker 4: bottom of my like it was heavy, like five centimeters long.

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Speaker 2: And she's like, oh shit, put that away. That is

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Speaker 2: like mostly ulsa, you know, I mean disgusting.

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Speaker 4: Like it got to the point where I'm like not talking,

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Speaker 4: like I'm like trying to talk with my mouth not move.

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Speaker 2: It was painful.

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Speaker 4: So I've just decided maybe I should lower the stress

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Speaker 4: levels in my life.

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Speaker 2: Yeah, fair, fair, fair.

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Speaker 4: It hasn't happened in a very long time though. So

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Speaker 4: do you know what my favorite magnem is at the moment.

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Speaker 4: It's no, no, it's the white chocolate one.

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Speaker 2: It is.

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Speaker 4: It's like a white chocolate magdem with the passion fruit

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Speaker 4: and then biscuit in the crumb, getting worse though. That's nice,

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Speaker 4: it's getting worse. That is the best ice cream. But

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Speaker 4: I do find that there is a divide. There are

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Speaker 4: people who believe fruit in ice cream is acceptable, and

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Speaker 4: there are people who think the fruit in ice cream

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Speaker 4: is the devil. And I feel like you were like

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Speaker 4: fruit ice cream.

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Speaker 2: No, it should be chocolate. Absolutely, no, exactly legal.

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Speaker 6: You're eating dessert. Because you're eating dessert, you're.

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Speaker 2: Trying to get healthy.

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Speaker 4: See, I'm going to say something controversial, and I do

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Speaker 4: not believe in mixing nuts with chocolate.

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Speaker 2: Oh, I completely for a teller. Oh no, that's okay,

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Speaker 2: that's different.

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Speaker 4: But like pieces of nuts and fruit in chocolate should

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Speaker 4: be illegal, like the fruit, fruits and the fruit and

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Speaker 4: nut block illegal.

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Speaker 5: Like what like a hazel share.

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Speaker 2: That's a different, that's an experience. That's an experience. A lot.

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Speaker 2: There's a lot of food nuts in chocolate in general. Everything, Well,

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Speaker 2: that's you know what. I'm just going to stick to money.

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Speaker 2: I'm not a food blogger. You can leave that.

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Speaker 4: He can be like the food content creator and he

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Speaker 4: can make all of the root Yeah, he can make

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Speaker 4: all of the rules. He actually made me dinner last night,

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Speaker 4: which was yeah.

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Speaker 2: So slay. He made the most delicious chili honey butter.

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Speaker 2: Chili honey butter, just like a whipped butter with honey

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Speaker 2: and chill, like a chili creast. He said through it. Wow,

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Speaker 2: lovely gives.

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Speaker 4: And he was like, Oh, you don't have to eat

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Speaker 4: the bread and butter if you don't want Sorry.

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Speaker 2: It's the best bit. I beg your part exactly? Did

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Speaker 2: you want nothing? Yes? Seriously? Anyway, moving on, V.

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Speaker 4: How's your week? Oh, my week's been good. I had

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Speaker 4: dinner at a friend's.

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Speaker 2: House last night. They looked for me.

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Speaker 4: I've been up very late, like I didn't get home

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Speaker 4: until like nearly midnight, which, if you know me, that's

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Speaker 4: not okay.

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Speaker 2: See, and I'm very tired today. I don't regret it,

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Speaker 2: but I am very tired.

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Speaker 4: In fact, I ordered a large coffee, which, again, if

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Speaker 4: you know me, I never do because I believe in

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Speaker 4: like get a small coffee at the start of the day,

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Speaker 4: which means I can have another one later in the day.

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Speaker 4: And if I get a large at the start of

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Speaker 4: the day, I've capped out my caffeine.

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Speaker 2: Oh yeah, okay.

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Speaker 4: And it's not because there's rules on caffeine. It's because

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Speaker 4: I'll be a jittery mess. Yeah, it's going to work

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Speaker 4: for me. But today I'm going to be a jity mess.

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Speaker 2: Yeah. They love laugh absolutely.

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Speaker 4: Anyway, week's been good. I'm still on a high from

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Speaker 4: going to Canberra. Guys, the budget is so hot, Like, oh,

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Speaker 4: that was the coolest thing I interviewed the Minister for

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Speaker 4: Finance and women say less like I'm still just I'm

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Speaker 4: just excited about the fact that I did that.

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Speaker 2: That's really cool.

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Speaker 4: Anyway, still keep talking about it. The media is still

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Speaker 4: talking about.

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Speaker 2: How influencers were invited to Parliament House and they don't

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Speaker 2: believe in that, and it made me angry.

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Speaker 4: Made me so angry, especially like Millie Millie Rose Millie

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Speaker 4: Rose fannas she ripped a new one on TV.

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Speaker 2: I could not believe what the project did to her.

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Speaker 4: Like Millie is an incredible human being who has created

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Speaker 4: a charity from scratch, Like I'm going to put the

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Speaker 4: links to her charity and thew it's called All Kinds,

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Speaker 4: And she is honestly one of the coolest people ever.

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Speaker 4: She's created this charity, she's having a really big impact.

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Speaker 4: She does really beautiful content online and is not someone

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Speaker 4: that you would say oh, influencer, right. No, she has

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Speaker 4: a ambassadorship through Lulu Lemon, which honestly sligh from Lulu

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Speaker 4: Lemon to pick up someone who is genuine only impactful

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Speaker 4: in this space and go, you know what, We're gonna

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Speaker 4: work with you directly because impact totally. And they essentially

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Speaker 4: distilled her down to just being a Lulu Lemon Ambasssetta.

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Speaker 2: I did not mention anything about her charity, did not.

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Speaker 4: Mention anything about why she might have been there to

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Speaker 4: understand how change is being facilitated at Parliament House.

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Speaker 2: I was actually so mad for them.

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Speaker 4: We had, i would say, second teer news outlets reaching

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Speaker 4: out to people like me for comment being like, what

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Speaker 4: do you think about influencers being at Parliament House?

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Speaker 2: Guys?

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Speaker 4: Just because I was there for Tuesday. I was actually

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Speaker 4: there for the Wednesday. Obviously, I didn't make any type

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Speaker 4: of comment because I'm like, I'm not perpetuating this.

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Speaker 2: Yeah, be so real. I left them on red.

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Speaker 4: But I'm actually so angry because at the end of

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Speaker 4: the day, these quote influencers, if you look at every

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Speaker 4: single one of them, they are either a finance content

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Speaker 4: creator or a social media content creator that is tapping

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Speaker 4: into a market of people, usually women, who aren't understanding politics.

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Speaker 4: What a better way to get more people talking about

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Speaker 4: politics than getting the people that you already are engaging

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Speaker 4: with talking about it.

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Speaker 2: And it's just a point.

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Speaker 5: It's this divide and I know we're biased, but like

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Speaker 5: old media and new media, or traditional media and new media,

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Speaker 5: the way that new media is looked down upon when

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Speaker 5: you have outlets like The Daily Os and as you

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Speaker 5: were saying Millie Charity that they are engaging people in

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Speaker 5: a way that they haven't been before, it also mad me.

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Speaker 4: Really, not one was paid to be there, To be

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Speaker 4: very clear, I've seen a lot of liberal content come

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Speaker 4: out recently saying, oh, these influences were probably paid to

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Speaker 4: be here. No, we were offered an opportunity and a

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Speaker 4: seat at the table and we took it. In fact,

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Speaker 4: for a lot of these influences, it cost them a

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Speaker 4: lot to be there because they were taking time out

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Speaker 4: of their business, They were changing their plans to be

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Speaker 4: able to attend this, which they thought would be impactful

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Speaker 4: for their communities. There was no money exchanged. It was

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Speaker 4: we got off at a seat at a table, and

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Speaker 4: I was like, heck, yeah, I'm taking that. I'm taking

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Speaker 4: up space in a place that I've never felt welcome before.

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Speaker 2: Right, how cool? That is really cool.

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Speaker 4: Why aren't we talking about the fact that politics is

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Speaker 4: becoming more approachable, Like, at the end of the day,

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Speaker 4: I'm excited about this. You guys probably not as engaged

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Speaker 4: with the budget as I was. Every year I do

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Speaker 4: like a little budget rap of like my favorite things

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Speaker 4: out of the budget or the things that I think

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Speaker 4: are going to impact you the most, and like I

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Speaker 4: don't mean to toot our own horn, I do a

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Speaker 4: little bit. But at the end of the day, I

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Speaker 4: posted a screenshot of my notes app from the frantic

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Speaker 4: notes I was taking about the budget as I was

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Speaker 4: watching it, and that got thousands of likes. And these

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Speaker 4: traditional media outlets who were posting about influencers being in

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Speaker 4: Parliament House and whatnot, they got like four likes on

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Speaker 4: their budget posts. Be for real, people are in real

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Speaker 4: time engaging with our content. Maybe you should be doing

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Speaker 4: some reflecting about how that is being person and maybe

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Speaker 4: take a leaf out of our book. At the end

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Speaker 4: of the day, we are without filter sharing our opinions.

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Speaker 4: They're going through editor after editor getting signed off for

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Speaker 4: their content.

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Speaker 2: Nah, people are over it.

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Speaker 5: And just the fact that the majority of creators that

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Speaker 5: were being taken down were female to really upset me.

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Speaker 5: And I think again, like there's a lot of old bias,

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Speaker 5: particularly when it comes to the political space, and it

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Speaker 5: was really disappointing to see that play out. And it

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Speaker 5: was really hard to see, you know, Milli and you

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Speaker 5: and Tash and Emma and we had.

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Speaker 2: A lot of I was angry. But do you know

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Speaker 2: what MILLI like?

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Speaker 4: Go look it up because Millie handled herself with such

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Speaker 4: grace and she clapped back at them on National TV

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Speaker 4: and Icon. I'm desperate to watch it. I'm going to

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Speaker 4: show you straight after this. Anyway, let's move on from

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Speaker 4: this because they could go on and on. Do you

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Speaker 4: guys want me to read you a five star review?

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Speaker 1: Yes?

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Speaker 2: Please say less? All right, sit down.

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Speaker 4: This one is from Little Deer Hue five stars. Thank

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Speaker 4: you from the bottom of my heart. Thank you for

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Speaker 4: educating me about finances and money overall. I would never

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Speaker 4: have been this educated if it wasn't for your podcast

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Speaker 4: and engaging content.

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Speaker 2: I am so grateful for you. Oh c, thanks, Lil Dear,

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Speaker 2: thank you name yeah.

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Speaker 4: And it's like dad Eer so it's like the Little Animal,

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Speaker 4: very very cute, But let's get into it.

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Speaker 2: Jess.

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Speaker 4: You've been in the community this week looking at everyone's comments.

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Speaker 4: What are your favorite money wins?

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Speaker 2: Alrighty.

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Speaker 5: Firstly this week, I've got one from Rachel, who said

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Speaker 5: during my local Polarates Studios open day, they ran free

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Speaker 5: classes all morning and they provided a goodie bag which

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Speaker 5: had various freebies and discounts for local stores in the area.

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Speaker 5: She got a discount code for a free class, and

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Speaker 5: then she won an extra ten free classes on top

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Speaker 5: of that, so she managed to walk away with twelve

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Speaker 5: free classes POLARATEI Socks, Coffee, who Stunt voucher, and a

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Speaker 5: bunch of other discounts.

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Speaker 2: Oh that's great. Influencer revenge tonight. Love it. Yeah, I

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Speaker 2: think that's so cool.

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Speaker 5: Next, I got the money in from Asha, who said

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Speaker 5: it is dividend month for me.

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Speaker 2: We love a dividend month. I love that for you.

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Speaker 5: Money win from Rachel, who said she got her house

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Speaker 5: evaluated to sale. She spent the last six months renowing it,

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Speaker 5: and they did it all themselves. Turns out it's worth

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Speaker 5: more than one hundred thousand dollars than they thought it

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Speaker 5: would be.

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Speaker 4: So you made one hundred grand in the last twelve months,

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Speaker 4: baby pretty much.

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Speaker 5: She said, once they sell the money, we'll be able

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Speaker 5: to help them continue their IVF journey, which is really exciting.

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Speaker 5: They've spent a lot of money on it with no luck.

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Speaker 2: But fingers crossed for you, Rachel.

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Speaker 4: I've got all my fingers and all my toes crossed

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Speaker 4: and I'm sending you all the baby dust.

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Speaker 2: Absolutely.

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Speaker 5: Next lot of money win from Crystal, who said she

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Speaker 5: has two hundred and eleven dollars left to spend from

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Speaker 5: her salary packaging in the meal and entertainment category. Instead

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Speaker 5: of going out blowing on dinner, she's going to buy

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Speaker 5: a heap of food and freeze it. But she's got

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Speaker 5: her meals all set up, okay, she's not had money

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Speaker 5: on groceries.

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Speaker 2: Great ideas.

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Speaker 4: And I was talking about like salary sacrificing the other day,

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Speaker 4: and if you do salary sacrifice, it would be a

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Speaker 4: good time now to just do a bit of a

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Speaker 4: review and an audit of like whether this year you

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Speaker 4: used all of your salary packaging because it was it

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Speaker 4: worth it? Because so many of us go, yeah, we'll

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Speaker 4: totally be worth it. But then if you're spending it

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Speaker 4: on dining and eating out? Could that have gone to

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Speaker 4: something better? I'm not saying don't dine out.

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Speaker 2: That is not me.

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Speaker 4: I'm not a restriction girly, but if you didn't actually

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Speaker 4: use it, because like lots of us are aspirational. Yeah,

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Speaker 4: Like I'm a new mum. Do you know how many

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Speaker 4: times I've said we'll go out for dinner. We are

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Speaker 4: not going out for dinner. Like bedtime is seven thirty,

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Speaker 4: I'm not leaving the house. You can have uber eats.

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Speaker 2: My husband will meet you at the gate, because if

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Speaker 2: you wake up the baby, you are dead. To me.

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Speaker 4: But I think so many of us over estimate how

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Speaker 4: much we'll spend. Yeah, so like do a little bit

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Speaker 4: of an audit, do a little bit of a check

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Speaker 4: that pre financial yeah, and of financial year prep.

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Speaker 5: And then lastly, this week, I've got a money in

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Speaker 5: from Alex who said she moved houses recently and it's

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Speaker 5: forced her to go through the pantry with a fine

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Speaker 5: tooth comb. She's managed to cook and bake heaps of

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Speaker 5: stuff with you know, ingredients and bits and pieces she

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Speaker 5: already had, which meant the grocery bill has been so

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Speaker 5: much lower the pace.

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Speaker 2: Oh cod, that's good, such a good feeling. Yeah, and

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Speaker 2: that's it for me, lovely. Oh, it's your turn there, Well,

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Speaker 2: if I may.

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Speaker 6: I'm very excited about these ones, actually, but I also

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Speaker 6: don't want to talk it up too much because.

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Speaker 2: You might be to this point.

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Speaker 4: All right, well, let's just give us the first one

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Speaker 4: and we'll see how that goes.

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Speaker 2: Okay.

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Speaker 6: This first one comes from Alex with y love that name,

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Speaker 6: oh cute, who says that if you.

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Speaker 2: Just look into like Coals and Wars.

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Speaker 6: They have the knows every day extra and whatever the

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Speaker 6: Coals equivalent is. And with this subscription sometimes it's half priced.

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Speaker 6: So let's say thirty five dollars for the whole year, Yes,

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Speaker 6: and then you get half price.

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Speaker 2: Delivery, I believe.

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Speaker 6: But you also get every single month ten percent off.

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Speaker 6: I know this tould be true for the wool wors.

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Speaker 6: I don't know about Coals. I'm sure there's an equivalent

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Speaker 6: for that. But if you do your grocery shopping once

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Speaker 6: a month with that ten percent off.

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Speaker 4: Yeah, it always asks me at check out do you

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Speaker 4: want to use it on this this transaction?

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Speaker 2: Yeah? No, I don't.

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Speaker 4: I'm buying ten dollars worth of groceries for lunch today,

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Speaker 4: Like I do not want to be wasting that, but

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Speaker 4: I always get a little bit of a pang of anxiety,

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Speaker 4: thinking I'll click the wrong button and then I'll waste that.

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Speaker 6: Right of the big shop and don't go ever again.

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Speaker 4: Don't go to all wars for the rest of the month,

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Speaker 4: and then use the calls one the week after.

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Speaker 2: Thank them. You're saying loyalty doesn't pay.

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Speaker 6: Yes, Oh, actually, you know, I was thinking of just

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Speaker 6: getting the one, but you could do the two, great idea,

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Speaker 6: and if you're in a couple, then you get I'm

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Speaker 6: assuming if you're both buying one, you get the double.

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Speaker 4: Of the whole household a great Don't call Woolworst and

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Speaker 4: ask them whether that's ethical. I don't know if they're like, oh,

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Speaker 4: one per household, Like we can't hear you. Sorry, sorry, sorry,

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Speaker 4: you cut out.

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Speaker 6: Sorry, that's a that's a strange sounding tunnel. So Alex

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Speaker 6: said that the best wait until this goes half priced,

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Speaker 6: maybe your boxing day, so maybe you're after.

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Speaker 2: Payday sales and you really do get.

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Speaker 6: Way more out of it than it's actually So that's

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Speaker 6: my first break tip.

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Speaker 2: Yeah, what's number two?

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Speaker 6: The second one is actually from a close friend of ours,

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Speaker 6: a friend of the pod uh producer has.

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Speaker 2: Given us to go.

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Speaker 4: We're gonna have to get her on the show at

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Speaker 4: some point because she is the savviiest person ever. And

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Speaker 4: I know that she's been feeding you broke tips in

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Speaker 4: the background.

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Speaker 2: I just know.

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Speaker 4: I know she's been here going so clever beck under

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Speaker 4: the table. Here's another broke tip. Yes, it's so clever.

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Speaker 6: So this one Emma has tried and it has proven

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Speaker 6: to be true. So what you do is you google.

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Speaker 6: If you're getting takeaway, you google Dominoes. Yeah, I believe

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Speaker 6: you go to the website. Wouldn't hurt you go out,

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Speaker 6: You just press back. You Google pizza hut. Yeah, and

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Speaker 6: there should be an ad that comes up at the

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Speaker 6: top of the marketing.

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Speaker 4: Yes, yes, okay, they're getting real crafty, but right now

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Speaker 4: we're using their marketing to our advantage exactly.

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Speaker 6: And then it comes up at the top, just little

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Speaker 6: little ads saying Dominoes forty percent off and so you

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Speaker 6: get dominant.

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Speaker 2: That's so smart? Is that? That is so that is

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Speaker 2: saving money for ads. Jess is aware of this.

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Speaker 4: I don't know if you're aware of this, but if

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Speaker 4: you google Facebook ads library, you can find the Facebook

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Speaker 4: Ads Library and then once you're on that page, you

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Speaker 4: can type in your favorite brands. So say you love

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Speaker 4: Naked Harvest. Sorry Georgie, but I'm using you as an example,

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Speaker 4: So you love Naked Harvest. You can then type in

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Speaker 4: Naked Harvest into the Facebook ads library and it will

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Speaker 4: come up with every single ad that they're running, and

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Speaker 4: usually one of them is going to be a remarketing promotion,

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Speaker 4: and you can just.

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Speaker 2: Click into it.

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Speaker 4: Oh and you can be like, oh cool, there's my

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00:19:50,680 --> 00:19:55,600
Speaker 4: ten percent discount code. God, that's good spam, so clever.

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Speaker 4: You can just see all of the ads that they're running.

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Speaker 2: Yes, thank you, that is so good. Yeah, genius.

442
00:20:01,359 --> 00:20:04,480
Speaker 4: But I want pizza always, and now we've got the

443
00:20:04,560 --> 00:20:06,040
Speaker 4: hack Absimilarly.

444
00:20:05,880 --> 00:20:08,359
Speaker 6: It's dangerous because docs is already pretty cheap, so I

445
00:20:08,400 --> 00:20:11,440
Speaker 6: feel like it's cheaper than just Double Shop.

446
00:20:11,560 --> 00:20:14,640
Speaker 4: They won't sponsor us anytime soon because we are undercutting them,

447
00:20:14,680 --> 00:20:16,640
Speaker 4: But I have no regrets.

448
00:20:16,840 --> 00:20:18,320
Speaker 2: Now, what is your broke tip?

449
00:20:18,640 --> 00:20:21,760
Speaker 6: Okay, my one. I saw this little thing and it

450
00:20:21,880 --> 00:20:23,880
Speaker 6: was on like Instagram, but it made me think. It's

451
00:20:23,880 --> 00:20:26,920
Speaker 6: called zif to z yft, but I believe it's very

452
00:20:26,920 --> 00:20:30,359
Speaker 6: similar to if you go into like the shops and

453
00:20:30,600 --> 00:20:33,840
Speaker 6: you literally just I'm not sure the equivalent is for iPhones,

454
00:20:33,840 --> 00:20:36,480
Speaker 6: but my one's called Google image search, where.

455
00:20:36,320 --> 00:20:39,320
Speaker 2: You just like Google image Google limit to perfect perfect.

456
00:20:39,359 --> 00:20:39,479
Speaker 7: Yes.

457
00:20:39,600 --> 00:20:41,879
Speaker 6: Right, So if you go into a shop and then

458
00:20:42,000 --> 00:20:44,720
Speaker 6: you literally just Google image search anything that you want

459
00:20:44,760 --> 00:20:48,040
Speaker 6: to buy, it's quite time consuming, I'm sure. But if

460
00:20:48,080 --> 00:20:49,960
Speaker 6: you go in and you're like, I'm going to spoil

461
00:20:50,080 --> 00:20:52,760
Speaker 6: myself and buy a really nice olive oil, you just

462
00:20:52,800 --> 00:20:53,680
Speaker 6: Google image search.

463
00:20:53,960 --> 00:20:55,840
Speaker 2: You see all the shopping will come up.

464
00:20:55,880 --> 00:20:58,720
Speaker 6: Everything, every price anywhere will come up in this Google

465
00:20:58,760 --> 00:21:00,720
Speaker 6: image search, hopefully, and you'll be able to see if

466
00:21:00,720 --> 00:21:04,920
Speaker 6: it's cheaper somewhere else. And it's honestly genius genius. So

467
00:21:05,280 --> 00:21:07,840
Speaker 6: I think even if it's like something that is that

468
00:21:07,920 --> 00:21:09,639
Speaker 6: looks the same, if it's a shirt, the sail was

469
00:21:09,680 --> 00:21:11,000
Speaker 6: in sas.

470
00:21:10,680 --> 00:21:12,400
Speaker 2: No, but it's genius. It's genius.

471
00:21:12,400 --> 00:21:16,840
Speaker 6: It's genius atop a shirt of lounge anything trying.

472
00:21:16,640 --> 00:21:20,280
Speaker 2: To get its cheaper than its savers. It wasn't.

473
00:21:20,600 --> 00:21:24,080
Speaker 6: It was Vinnie's in Richmond, and it's extremely expensive.

474
00:21:24,720 --> 00:21:26,720
Speaker 2: They're taking the mickey, they really are, And I'm like,

475
00:21:26,760 --> 00:21:28,600
Speaker 2: this is an opportunity shop. That's what shop is for.

476
00:21:28,760 --> 00:21:31,080
Speaker 2: So people who cannot afford this kind of stuff.

477
00:21:31,080 --> 00:21:32,760
Speaker 4: Feel like so many of them are taking the mickey.

478
00:21:32,800 --> 00:21:35,440
Speaker 4: I totally okay, you shouldn't be taking a dantage of it.

479
00:21:37,280 --> 00:21:37,920
Speaker 2: Absolutely not.

480
00:21:37,960 --> 00:21:40,560
Speaker 6: I don't like it and it was donated, Okay, so

481
00:21:41,200 --> 00:21:43,840
Speaker 6: I mean get it actual Pierce.

482
00:21:43,880 --> 00:21:47,360
Speaker 2: But okay, I know I don't like it. But I'm

483
00:21:47,359 --> 00:21:49,520
Speaker 2: assuming they are, you know, costs of the energy. They're

484
00:21:49,560 --> 00:21:51,960
Speaker 2: taking the mickey. Sometimes I'm like, they're taking the mickey.

485
00:21:52,240 --> 00:21:54,119
Speaker 4: You just told me it was Saint Vinnie's. They are

486
00:21:54,200 --> 00:21:57,280
Speaker 4: church run. They know you're taking the piss.

487
00:21:57,520 --> 00:22:00,360
Speaker 6: Yeah, that does not align with God, with.

488
00:22:00,320 --> 00:22:02,120
Speaker 2: Our values and spy.

489
00:22:03,440 --> 00:22:07,160
Speaker 6: But yes, so google image search before you buy anything,

490
00:22:07,880 --> 00:22:08,679
Speaker 6: So I do that.

491
00:22:08,800 --> 00:22:10,840
Speaker 2: I take it to the next level. Should I be

492
00:22:10,880 --> 00:22:12,600
Speaker 2: admitting this, I don't know.

493
00:22:12,840 --> 00:22:16,240
Speaker 4: But I will take photos of sorry, but I will

494
00:22:16,280 --> 00:22:19,560
Speaker 4: take screenshots of influencers content, Like if I like their

495
00:22:19,600 --> 00:22:22,119
Speaker 4: side table or you know, a trinket that they have

496
00:22:22,200 --> 00:22:24,280
Speaker 4: on a table and they've like, you know, posted it,

497
00:22:24,320 --> 00:22:26,359
Speaker 4: because I don't actually want to reply to their story

498
00:22:26,359 --> 00:22:29,520
Speaker 4: and be like where's that candle from? Just google image

499
00:22:29,520 --> 00:22:32,440
Speaker 4: search it? Yes, I google image search everything.

500
00:22:32,160 --> 00:22:33,080
Speaker 2: Isn't it good? Yep?

501
00:22:33,119 --> 00:22:36,080
Speaker 4: Photo of what they're wearing. I want your red shirt fantastic.

502
00:22:36,160 --> 00:22:38,320
Speaker 4: I'm just gonna easy snap a picture and find it

503
00:22:38,359 --> 00:22:41,200
Speaker 4: for myself. I am a resourceful queen. I don't need

504
00:22:41,240 --> 00:22:43,240
Speaker 4: anybody to tell me where to find stuff. I'm gonna

505
00:22:43,240 --> 00:22:43,920
Speaker 4: do it myself.

506
00:22:44,200 --> 00:22:46,360
Speaker 6: Good for you, Girlank you in time is money.

507
00:22:46,440 --> 00:22:47,400
Speaker 2: So that's another broke tip.

508
00:22:47,520 --> 00:22:50,480
Speaker 4: Exactly exactly. That's been really good. All right, let's go

509
00:22:50,480 --> 00:22:52,560
Speaker 4: to a really quick break on the flip side. We're

510
00:22:52,600 --> 00:22:55,480
Speaker 4: going to be helping answer a money dilemma. What do

511
00:22:55,520 --> 00:22:56,480
Speaker 4: you do when you have.

512
00:22:56,440 --> 00:22:58,000
Speaker 2: To sell your house because of a divorce?

513
00:22:58,720 --> 00:23:01,800
Speaker 4: Sticky and there, we've got something that you slid into

514
00:23:01,840 --> 00:23:05,560
Speaker 4: our dms about are you being dodgy if you don't

515
00:23:05,640 --> 00:23:08,520
Speaker 4: correct a shop when you know that they're undercharging you,

516
00:23:09,880 --> 00:23:16,439
Speaker 4: don't go anywhere? Guys, Welcome back everybody. Let's take a

517
00:23:16,480 --> 00:23:21,679
Speaker 4: listen to this week's money dilemma. Hi, there, have you

518
00:23:21,720 --> 00:23:24,280
Speaker 4: got a money dilemma you just can't solve that. She's

519
00:23:24,320 --> 00:23:26,960
Speaker 4: on the Money team is here to help. Every week

520
00:23:27,040 --> 00:23:29,840
Speaker 4: we tackle your dilemmas, both big and small, to answer

521
00:23:29,880 --> 00:23:33,520
Speaker 4: your most burning money, career and life questions. To get involved,

522
00:23:33,520 --> 00:23:35,680
Speaker 4: simply head to our website and leave us a short

523
00:23:35,720 --> 00:23:38,960
Speaker 4: voice recording and you might just find yourself on the show. Now,

524
00:23:39,080 --> 00:23:43,320
Speaker 4: let's take a listen to this week's money dilemma.

525
00:23:43,520 --> 00:23:46,119
Speaker 7: Hi, she's on the money. I'm a thirty year old

526
00:23:46,800 --> 00:23:50,800
Speaker 7: single mum to three beautiful kids. I recently had to

527
00:23:50,880 --> 00:23:55,480
Speaker 7: sell my family home as part of a really messy divorce. However,

528
00:23:55,520 --> 00:23:58,280
Speaker 7: I've been left with quite a large lump sum of

529
00:23:58,320 --> 00:24:01,879
Speaker 7: money from that sale. I've got now about one hundred

530
00:24:01,920 --> 00:24:06,440
Speaker 7: and forty thousand dollars in the bank. Unfortunately, though, due

531
00:24:06,440 --> 00:24:09,800
Speaker 7: to the house prices and interest rates, I've been in

532
00:24:09,880 --> 00:24:12,320
Speaker 7: touch with a broker and I'm unable to borrow what

533
00:24:12,359 --> 00:24:15,960
Speaker 7: I would need to repurchase the house. I'm just kind

534
00:24:16,000 --> 00:24:17,960
Speaker 7: of wondering what should I do.

535
00:24:18,840 --> 00:24:22,840
Speaker 8: I'm a registered nurse, I'm already working as much as

536
00:24:22,880 --> 00:24:27,080
Speaker 8: I can, more really than what I should be, and

537
00:24:27,480 --> 00:24:30,200
Speaker 8: I just feel like I'm in a massive money dilemma

538
00:24:30,320 --> 00:24:33,480
Speaker 8: with do I just leave my money in a high

539
00:24:33,480 --> 00:24:36,320
Speaker 8: interest savings account with the hopes I can buy if

540
00:24:36,359 --> 00:24:40,879
Speaker 8: prices improve or interest rates improve. I just don't know,

541
00:24:41,000 --> 00:24:42,920
Speaker 8: and I could really do with some advice.

542
00:24:43,320 --> 00:24:45,720
Speaker 2: That's really hard. I'm sorry that you're going through this.

543
00:24:45,800 --> 00:24:47,840
Speaker 5: I know that trying to figure out what to do

544
00:24:48,000 --> 00:24:52,000
Speaker 5: with your finances is already hard enough without then overlaying

545
00:24:52,480 --> 00:24:55,000
Speaker 5: all of the emotional trauma that comes with something this,

546
00:24:55,080 --> 00:24:57,120
Speaker 5: particularly if it's a messy divorce. So I'm really sorry

547
00:24:57,160 --> 00:25:00,399
Speaker 5: that you're going through that. My thought would be that

548
00:25:00,880 --> 00:25:04,200
Speaker 5: you're probably in an adjustment period right now. You're used

549
00:25:04,240 --> 00:25:08,840
Speaker 5: to splitting expenses, your rent, your groceries, your utilities, which

550
00:25:09,000 --> 00:25:10,680
Speaker 5: may not be the case anymore.

551
00:25:10,840 --> 00:25:11,040
Speaker 2: Yeah.

552
00:25:11,080 --> 00:25:12,960
Speaker 4: No one talks about how when you get a divorce

553
00:25:13,040 --> 00:25:14,359
Speaker 4: everything just doubles, like it.

554
00:25:14,480 --> 00:25:16,760
Speaker 5: Yeah, same, It's like the single tax, right like.

555
00:25:17,240 --> 00:25:18,760
Speaker 2: One hundred pc. The single tax.

556
00:25:18,640 --> 00:25:22,520
Speaker 5: Inherently just becomes more expensive for you. And knowing that

557
00:25:22,560 --> 00:25:25,160
Speaker 5: you've got your three beautiful babies as well, I think

558
00:25:25,200 --> 00:25:28,359
Speaker 5: that maybe just takes some time and adjust to what

559
00:25:28,440 --> 00:25:31,320
Speaker 5: this new season of life looks like for you. You might

560
00:25:31,440 --> 00:25:34,679
Speaker 5: find that there are expenses you weren't prepared for. You know,

561
00:25:34,760 --> 00:25:37,400
Speaker 5: you don't really have any historical data to go off

562
00:25:37,400 --> 00:25:39,880
Speaker 5: in terms of setting up your budget and stuff. So

563
00:25:40,040 --> 00:25:42,520
Speaker 5: I would probably be inclined to say, for a little bit,

564
00:25:42,720 --> 00:25:44,960
Speaker 5: keep it in a high entert savings account. You don't

565
00:25:45,080 --> 00:25:47,560
Speaker 5: need to make that decision right now, similar to kind

566
00:25:47,560 --> 00:25:50,200
Speaker 5: of like what Victoria would say, when you receive an inheritance,

567
00:25:51,119 --> 00:25:54,240
Speaker 5: you don't have to move the lump some super quickly

568
00:25:54,359 --> 00:25:57,720
Speaker 5: or immediately, like, let's get used to what things look

569
00:25:57,800 --> 00:25:59,960
Speaker 5: like for you now and then you can make them

570
00:26:00,040 --> 00:26:01,840
Speaker 5: more informed decision down the track.

571
00:26:02,720 --> 00:26:03,680
Speaker 2: Beck, what are you doing?

572
00:26:03,880 --> 00:26:06,840
Speaker 6: I'm saying, it's a very similar thing in my mind though,

573
00:26:07,119 --> 00:26:10,160
Speaker 6: and I know it's very complicated and I'm not sure

574
00:26:10,200 --> 00:26:13,439
Speaker 6: what this our listener's situation's like, but I'm really hoping

575
00:26:14,040 --> 00:26:17,600
Speaker 6: that the laybor the mental and emotional labor of like

576
00:26:17,640 --> 00:26:23,960
Speaker 6: you know, child rearing and child caring doesn't all by default,

577
00:26:24,040 --> 00:26:25,800
Speaker 6: because I believe did that Did our listener say that

578
00:26:25,800 --> 00:26:26,720
Speaker 6: she's a single parrot?

579
00:26:26,720 --> 00:26:26,920
Speaker 3: Now?

580
00:26:27,080 --> 00:26:27,399
Speaker 5: Yeah?

581
00:26:27,480 --> 00:26:30,240
Speaker 6: And I'm like, that's you know, you both decide to

582
00:26:30,280 --> 00:26:32,560
Speaker 6: have children, so it's suck said. It just kind of

583
00:26:32,600 --> 00:26:35,280
Speaker 6: sounds like it's all falling on one person. But anyway,

584
00:26:36,240 --> 00:26:40,280
Speaker 6: I don't know the situation, so I'm hoping that the

585
00:26:40,320 --> 00:26:44,199
Speaker 6: expenses and the labor and the running around after people

586
00:26:44,280 --> 00:26:47,120
Speaker 6: and taking care of everyone is equal there.

587
00:26:47,200 --> 00:26:48,040
Speaker 2: That's all I'm going to say.

588
00:26:48,000 --> 00:26:50,240
Speaker 6: It has nothing to do with what our listener is asking,

589
00:26:50,320 --> 00:26:51,320
Speaker 6: and I'm very sorry.

590
00:26:51,520 --> 00:26:52,639
Speaker 2: So I would just the same thing.

591
00:26:52,640 --> 00:26:55,920
Speaker 6: I would keep it in a high indrant savings account

592
00:26:56,240 --> 00:27:00,440
Speaker 6: until exactly you kind of figure out what the new

593
00:27:00,520 --> 00:27:01,359
Speaker 6: normal is like.

594
00:27:02,080 --> 00:27:02,720
Speaker 2: I guess.

595
00:27:02,880 --> 00:27:04,840
Speaker 6: I mean, it depends on where you live and what

596
00:27:04,920 --> 00:27:08,560
Speaker 6: you're actually able, what you have capacity for. But maybe

597
00:27:08,640 --> 00:27:12,240
Speaker 6: just like trying to find like really affordable housing right now,

598
00:27:12,440 --> 00:27:14,720
Speaker 6: which is very very hard to do. I don't know

599
00:27:14,760 --> 00:27:16,920
Speaker 6: if you're renting or if you're currently living in a

600
00:27:16,960 --> 00:27:19,320
Speaker 6: house that you both bought, or what the situation is like,

601
00:27:19,680 --> 00:27:22,119
Speaker 6: but yeah, just trying to get on top of that,

602
00:27:22,119 --> 00:27:26,280
Speaker 6: figure out what your expenses are and then going from there.

603
00:27:26,480 --> 00:27:28,760
Speaker 6: And it might mean I know, a couple of weeks ago,

604
00:27:28,800 --> 00:27:31,400
Speaker 6: maybe we had someone on talking about should you move

605
00:27:31,760 --> 00:27:36,520
Speaker 6: to afford something nice or stay where you are around

606
00:27:36,600 --> 00:27:39,000
Speaker 6: your community, and I'm kind of like more in the

607
00:27:39,000 --> 00:27:41,040
Speaker 6: boat of that. But if it means you have to

608
00:27:41,040 --> 00:27:42,760
Speaker 6: move out a little bit further than where you are

609
00:27:43,160 --> 00:27:46,960
Speaker 6: or whatever to find something more affordable, that's also an option.

610
00:27:47,240 --> 00:27:49,200
Speaker 6: But yeah, I think absolutely what Jessa is saying, high

611
00:27:49,200 --> 00:27:51,720
Speaker 6: interest Aman's account, figure out what your new normal looks

612
00:27:51,760 --> 00:27:53,760
Speaker 6: like and kind of go from there.

613
00:27:54,160 --> 00:27:54,720
Speaker 2: I love that.

614
00:27:55,119 --> 00:27:58,720
Speaker 4: So when I'm thinking about this, We're going to do

615
00:27:58,800 --> 00:28:01,639
Speaker 4: some episodes soon on divorce because I think that so

616
00:28:01,680 --> 00:28:04,560
Speaker 4: many people are going through this and it feels like

617
00:28:04,760 --> 00:28:07,760
Speaker 4: the blind leading the blind sometimes, like I'm speaking to

618
00:28:07,800 --> 00:28:10,640
Speaker 4: so many girlfriends who unfortunately are going through this situation.

619
00:28:10,720 --> 00:28:13,159
Speaker 4: At the moment, it can get messy, and then you

620
00:28:13,200 --> 00:28:15,679
Speaker 4: get these lump some payments and you feel overwhelmed and

621
00:28:15,720 --> 00:28:17,359
Speaker 4: you don't know what to do. But you also know

622
00:28:17,440 --> 00:28:20,000
Speaker 4: that you want future financial security, but you also want

623
00:28:20,000 --> 00:28:22,399
Speaker 4: to provide for your kids, but you also just you

624
00:28:22,480 --> 00:28:26,560
Speaker 4: feel stuck. Now just because you can't afford property doesn't

625
00:28:26,600 --> 00:28:30,040
Speaker 4: mean you can't invest. And with one hundred and forty

626
00:28:30,160 --> 00:28:35,680
Speaker 4: thousand dollars, you can afford to pay for financial advice

627
00:28:36,119 --> 00:28:39,560
Speaker 4: and I absolutely would be doing this. Like at the

628
00:28:39,640 --> 00:28:42,240
Speaker 4: end of the day, being a single mum is hard.

629
00:28:42,280 --> 00:28:44,720
Speaker 4: You have three kids to look after and all out

630
00:28:44,760 --> 00:28:46,080
Speaker 4: here just trying to do our best.

631
00:28:46,120 --> 00:28:46,280
Speaker 1: Right.

632
00:28:46,320 --> 00:28:49,240
Speaker 4: You said you're a nurse, so finance isn't the first

633
00:28:49,360 --> 00:28:52,560
Speaker 4: thing that you completely understand. I'm not saying that you're

634
00:28:52,560 --> 00:28:55,880
Speaker 4: not intelligent, but go get someone who can put you

635
00:28:55,920 --> 00:28:59,440
Speaker 4: on absolutely the right track to not only find your

636
00:28:59,480 --> 00:29:03,080
Speaker 4: feet but thrive, because with that one hundred and forty

637
00:29:03,120 --> 00:29:05,920
Speaker 4: thousand dollars you could invest it like that that could

638
00:29:05,920 --> 00:29:08,240
Speaker 4: work really well, like you could have a share portfolio.

639
00:29:08,320 --> 00:29:09,680
Speaker 4: We could step back and be like, you know what,

640
00:29:09,680 --> 00:29:11,320
Speaker 4: the property market is actual cooked.

641
00:29:11,480 --> 00:29:14,680
Speaker 2: I actually don't want to have anything to do with that.

642
00:29:14,880 --> 00:29:15,720
Speaker 2: You know what I'm going to do.

643
00:29:15,760 --> 00:29:18,840
Speaker 4: I'm going to rent a really nice house and call

644
00:29:18,880 --> 00:29:20,720
Speaker 4: it for property, but to rent a nice house, and

645
00:29:20,760 --> 00:29:21,920
Speaker 4: you know what, I might even talk to the real

646
00:29:22,040 --> 00:29:25,080
Speaker 4: estate agent about negotiating a long release so I feel

647
00:29:25,120 --> 00:29:28,880
Speaker 4: like I have more stability, Like can I have a two, three,

648
00:29:29,200 --> 00:29:31,280
Speaker 4: five year lease that is becoming.

649
00:29:30,960 --> 00:29:32,080
Speaker 2: More and more popular?

650
00:29:33,200 --> 00:29:35,960
Speaker 4: Then if you had invested that one hundred and forty

651
00:29:36,040 --> 00:29:38,200
Speaker 4: thousand dollars, all right, so we've got that cash, we're

652
00:29:38,200 --> 00:29:41,440
Speaker 4: going to put it into the share market in thirty

653
00:29:41,520 --> 00:29:43,520
Speaker 4: years time at an average rate of return of nine

654
00:29:43,600 --> 00:29:45,480
Speaker 4: and a half percent, which we know is the average

655
00:29:45,520 --> 00:29:48,560
Speaker 4: market returns for the Australian share market over the last

656
00:29:48,600 --> 00:29:51,600
Speaker 4: thirty years. If you're invested for thirty years, that one

657
00:29:51,760 --> 00:29:55,360
Speaker 4: forty without any additional contributions is going to become two

658
00:29:55,440 --> 00:29:56,520
Speaker 4: point three million dollars.

659
00:29:56,640 --> 00:29:59,160
Speaker 2: WHOA. That is going to mean that you could retire

660
00:29:59,280 --> 00:29:59,960
Speaker 2: very comfortably.

661
00:30:00,520 --> 00:30:03,680
Speaker 4: In saying that you need financial advice because you've got

662
00:30:03,720 --> 00:30:08,000
Speaker 4: three kids, what costs a were incurring? What amount are we

663
00:30:08,400 --> 00:30:11,880
Speaker 4: keeping aside for a healthy emergency fund so that you

664
00:30:11,960 --> 00:30:15,400
Speaker 4: don't feel financial pressure because as much as you might go,

665
00:30:16,040 --> 00:30:19,920
Speaker 4: housing equals security, like I feel secure, Like I don't

666
00:30:19,960 --> 00:30:22,360
Speaker 4: feel like I'm providing for my kids right now. I

667
00:30:22,440 --> 00:30:25,760
Speaker 4: promise having a mortgage that is stressing you every single

668
00:30:25,880 --> 00:30:28,440
Speaker 4: month is not going to be as valuable as you

669
00:30:28,520 --> 00:30:31,600
Speaker 4: think it is than having an emergency fund that you know,

670
00:30:31,680 --> 00:30:33,920
Speaker 4: if the kids come home with another permission slip for

671
00:30:34,160 --> 00:30:36,720
Speaker 4: a excursion that's a couple of one hundred dollars, you

672
00:30:36,760 --> 00:30:38,880
Speaker 4: could be like, yeah, norries, Like I've got that covered.

673
00:30:39,200 --> 00:30:42,160
Speaker 4: Like what's going to make you feel like the best

674
00:30:42,320 --> 00:30:44,320
Speaker 4: mum that you want to be? Like, what's going to

675
00:30:44,400 --> 00:30:46,360
Speaker 4: give you that freedom to be the mum you want

676
00:30:46,360 --> 00:30:49,080
Speaker 4: to be in this situation because more often than not,

677
00:30:49,120 --> 00:30:51,920
Speaker 4: when you're going through a divorce, you didn't have three

678
00:30:51,960 --> 00:30:53,920
Speaker 4: kids thinking you'd be bringing them up on your own,

679
00:30:54,600 --> 00:30:58,120
Speaker 4: Like that's not most people's plan, Like most people, and

680
00:30:58,280 --> 00:31:00,440
Speaker 4: like I have spoken to a lot of women who

681
00:31:00,480 --> 00:31:03,000
Speaker 4: have gone through divorce, They're like, girl, I love my kids.

682
00:31:03,000 --> 00:31:05,560
Speaker 4: I would not change a thing about my life, Like

683
00:31:06,000 --> 00:31:08,480
Speaker 4: that's not it. But had I thought that I would

684
00:31:08,480 --> 00:31:10,680
Speaker 4: be a single mum, I would have stopped at one. Like,

685
00:31:10,880 --> 00:31:13,440
Speaker 4: you know, I never really comprehended the idea that this

686
00:31:13,640 --> 00:31:16,720
Speaker 4: wasn't forever and you're not planning on it, Like, I

687
00:31:16,720 --> 00:31:21,280
Speaker 4: don't think anybody like gets married with the intention of leaving. Like,

688
00:31:21,480 --> 00:31:24,160
Speaker 4: don't get me wrong, Like, we have all the best intentions,

689
00:31:24,160 --> 00:31:26,920
Speaker 4: but we need to create some really solid plans to

690
00:31:26,960 --> 00:31:29,000
Speaker 4: put you in the best possible position. So for me,

691
00:31:29,080 --> 00:31:33,440
Speaker 4: that would actually start with financial advice, because just feeling

692
00:31:33,440 --> 00:31:35,280
Speaker 4: like you're doing the right thing is one thing, but

693
00:31:35,360 --> 00:31:40,000
Speaker 4: to have someone on your team getting shit done is

694
00:31:40,040 --> 00:31:41,520
Speaker 4: going to take it to the next level. You're going

695
00:31:41,560 --> 00:31:44,280
Speaker 4: to feel so financially secure. We're gonna look at your

696
00:31:44,320 --> 00:31:46,400
Speaker 4: super we're gonna look at your savings, we're gonna look

697
00:31:46,400 --> 00:31:47,800
Speaker 4: at your lump sum.

698
00:31:48,120 --> 00:31:49,160
Speaker 2: We're going to make sure.

699
00:31:48,960 --> 00:31:51,440
Speaker 4: That future you is okay. But we're giving these kids

700
00:31:51,480 --> 00:31:55,000
Speaker 4: the life that you want to give them. Slay, let's

701
00:31:55,080 --> 00:31:57,960
Speaker 4: do that. Like, that's an investment into your future that

702
00:31:58,160 --> 00:32:01,280
Speaker 4: I think you should be making. Because even if we

703
00:32:01,320 --> 00:32:03,600
Speaker 4: go all right, we're going to speak to a financial advisor,

704
00:32:03,720 --> 00:32:05,920
Speaker 4: and with my salary, I can't afford a mortgage. But

705
00:32:05,960 --> 00:32:08,040
Speaker 4: what I'm going to do is invest the lump sum

706
00:32:08,080 --> 00:32:09,960
Speaker 4: of money and then I'm going to contribute to that

707
00:32:10,080 --> 00:32:12,320
Speaker 4: each and every single month. And we're investing I don't know,

708
00:32:12,360 --> 00:32:15,360
Speaker 4: five hundred bucks each and every single month, that investment

709
00:32:15,400 --> 00:32:18,880
Speaker 4: portfolio goes from two point three million dollars to three

710
00:32:18,880 --> 00:32:22,880
Speaker 4: point four million dollars. Like, we are creating financial freedom

711
00:32:22,920 --> 00:32:26,040
Speaker 4: for ourselves. You are creating legacy for your children. You

712
00:32:26,040 --> 00:32:29,880
Speaker 4: are creating financial security for them and for me, that

713
00:32:30,080 --> 00:32:32,840
Speaker 4: to me, now i am a mum, feels much more

714
00:32:32,880 --> 00:32:37,840
Speaker 4: secure than just getting into a property like property very sexy. Yeah,

715
00:32:37,880 --> 00:32:40,840
Speaker 4: I feel like, especially in Australia, we look at property

716
00:32:40,880 --> 00:32:42,600
Speaker 4: and go we can see it, we can touch it,

717
00:32:42,640 --> 00:32:43,880
Speaker 4: we can taste it, we can feel it.

718
00:32:43,760 --> 00:32:44,800
Speaker 2: It feels secure.

719
00:32:45,160 --> 00:32:49,320
Speaker 4: That doesn't necessarily mean financially that's the best decision. And

720
00:32:49,480 --> 00:32:51,680
Speaker 4: sometimes we have to make decisions that are in line

721
00:32:51,720 --> 00:32:55,560
Speaker 4: with our strategy, not just in line without emotions. All right, Jess,

722
00:32:55,600 --> 00:32:57,680
Speaker 4: would you like to jump into the juicy DM?

723
00:32:57,920 --> 00:32:58,800
Speaker 2: Absolutely?

724
00:32:58,840 --> 00:33:01,200
Speaker 4: All right? So the DM we got this week or right,

725
00:33:01,320 --> 00:33:04,000
Speaker 4: che's on the money? Tell me if I'm being dodgy.

726
00:33:04,440 --> 00:33:06,280
Speaker 2: My husband and I were buying a fridge and a

727
00:33:06,400 --> 00:33:09,760
Speaker 2: washing machine from one of the big chain stores, and

728
00:33:09,800 --> 00:33:12,120
Speaker 2: when the staff wrong it up, the total came out

729
00:33:12,120 --> 00:33:15,240
Speaker 2: way cheaper than we expected, which is paid and left

730
00:33:15,320 --> 00:33:18,640
Speaker 2: before anybody said anything. I thought we both realized at

731
00:33:18,640 --> 00:33:21,280
Speaker 2: the time. But when I brought it up, he suddenly

732
00:33:21,280 --> 00:33:23,320
Speaker 2: got all serious, saying we need to go back and

733
00:33:23,360 --> 00:33:25,560
Speaker 2: fix that. I was like, are you kidding?

734
00:33:25,600 --> 00:33:28,280
Speaker 4: If they overcharged us, they wouldn't be chasing us down

735
00:33:28,320 --> 00:33:31,440
Speaker 4: to give our money back. Big stores make mistakes all

736
00:33:31,480 --> 00:33:34,280
Speaker 4: the time. They've probably got insurance for this. It's not

737
00:33:34,440 --> 00:33:37,080
Speaker 4: like we scammed a family run cafe or something.

738
00:33:37,640 --> 00:33:39,840
Speaker 2: He reckons it's about doing the right thing.

739
00:33:40,240 --> 00:33:42,640
Speaker 4: But I kind of think it's retail karma and we

740
00:33:42,680 --> 00:33:46,320
Speaker 4: should just be taking the money win. Who actually is

741
00:33:46,360 --> 00:33:47,080
Speaker 4: in the wrong here.

742
00:33:48,120 --> 00:33:52,560
Speaker 6: I would not even second, like think about it for

743
00:33:52,600 --> 00:33:56,640
Speaker 6: one second. I would not question anything. I'm taking it

744
00:33:56,680 --> 00:34:00,360
Speaker 6: and I'm running unless it's like a small business, as

745
00:34:00,360 --> 00:34:04,680
Speaker 6: they're saying, small business, you know, little cafe, a family

746
00:34:04,760 --> 00:34:07,840
Speaker 6: run anything like something that's smaller on the smaller scale.

747
00:34:08,080 --> 00:34:10,439
Speaker 2: I'm not doing that. I get it. I get where

748
00:34:10,440 --> 00:34:12,920
Speaker 2: that anxiety would come from. That feeling. Yeah, yeah, but

749
00:34:13,239 --> 00:34:14,399
Speaker 2: really it's like.

750
00:34:14,880 --> 00:34:17,160
Speaker 6: A money win as far as I'm because then great,

751
00:34:17,560 --> 00:34:19,200
Speaker 6: because I can promise you.

752
00:34:19,560 --> 00:34:20,960
Speaker 2: So you need to go in and be like, sir,

753
00:34:21,040 --> 00:34:22,960
Speaker 2: we're not going back. Ah.

754
00:34:23,040 --> 00:34:26,920
Speaker 6: Yeah, no, I'm saying to your husband right now, don't

755
00:34:26,960 --> 00:34:27,560
Speaker 6: worry about it.

756
00:34:27,719 --> 00:34:30,080
Speaker 2: Sleep easy, I'm not worried. Don't worry about them.

757
00:34:30,080 --> 00:34:33,000
Speaker 6: Plus, the prophecies that these guys are bring in disgusting.

758
00:34:33,200 --> 00:34:35,920
Speaker 4: Can I take a stab in the dark, Yes, Jessica.

759
00:34:36,960 --> 00:34:38,600
Speaker 4: The guilt would eat you away, wouldn't it.

760
00:34:38,680 --> 00:34:41,120
Speaker 5: I have been known to go back to a shop

761
00:34:41,200 --> 00:34:43,640
Speaker 5: if I've realized that I haven't paid for something. But

762
00:34:43,719 --> 00:34:45,799
Speaker 5: I like, I agree with your perspective. Like, I think

763
00:34:45,840 --> 00:34:49,560
Speaker 5: big corporations very much take advantage of the little guy

764
00:34:49,640 --> 00:34:50,280
Speaker 5: on the daily.

765
00:34:50,480 --> 00:34:53,640
Speaker 2: Yeah, it's just I taking a power back. Yeah, like,

766
00:34:53,640 --> 00:34:54,560
Speaker 2: and I'm all for that.

767
00:34:54,960 --> 00:34:58,399
Speaker 5: I just know that I personally like it will keep

768
00:34:58,400 --> 00:35:00,480
Speaker 5: me up at night if I feel like I've done

769
00:35:00,640 --> 00:35:02,600
Speaker 5: the wrong thing, and that's something that I would feel

770
00:35:02,800 --> 00:35:05,560
Speaker 5: is coming a lot of guilt over. But yeah, I

771
00:35:05,600 --> 00:35:08,840
Speaker 5: see both sides. I think the you know, electronics are

772
00:35:08,840 --> 00:35:11,680
Speaker 5: also a high ticket item. It's not like a fifteen

773
00:35:11,719 --> 00:35:13,440
Speaker 5: dollar you know, tet or.

774
00:35:13,480 --> 00:35:15,160
Speaker 2: Something like that. So I get it.

775
00:35:15,560 --> 00:35:18,319
Speaker 5: There's always the chance that if you got This is

776
00:35:18,440 --> 00:35:20,920
Speaker 5: very specific, but like if you've got them delivered, like

777
00:35:20,960 --> 00:35:23,319
Speaker 5: if they might notice when like.

778
00:35:23,239 --> 00:35:24,640
Speaker 2: The invoice or something.

779
00:35:24,719 --> 00:35:26,359
Speaker 5: Yeah, well, because the way that it works, if that's

780
00:35:26,400 --> 00:35:28,760
Speaker 5: what they've done, is if you've only paid for one item,

781
00:35:28,880 --> 00:35:31,120
Speaker 5: that is the only item that will be on your invoice.

782
00:35:31,120 --> 00:35:32,080
Speaker 2: So then if you've bought like.

783
00:35:32,000 --> 00:35:35,000
Speaker 4: A wasp and then you're not having that item delivered,

784
00:35:36,080 --> 00:35:37,960
Speaker 4: will be like you don't actually have a washer and

785
00:35:38,000 --> 00:35:38,440
Speaker 4: a dryer?

786
00:35:38,640 --> 00:35:42,000
Speaker 2: Yeah, and yes I do, And they'll be like, show

787
00:35:42,040 --> 00:35:42,480
Speaker 2: me your receipt.

788
00:35:42,560 --> 00:35:42,719
Speaker 1: Yeah.

789
00:35:42,760 --> 00:35:42,920
Speaker 2: Yeah.

790
00:35:42,960 --> 00:35:44,680
Speaker 5: Yeah, So there's a chance that it might just kind

791
00:35:44,680 --> 00:35:47,800
Speaker 5: of course correct itself anyway, depending on you know, what you've.

792
00:35:47,680 --> 00:35:49,760
Speaker 2: Bought, so you're relying on course correction.

793
00:35:50,000 --> 00:35:51,680
Speaker 5: I feel like maybe that's a happy middle for them,

794
00:35:52,600 --> 00:35:54,040
Speaker 5: you know what I mean, Like if you guys can't

795
00:35:54,040 --> 00:35:55,879
Speaker 5: come to an agreement, maybe you go, okay, well it's

796
00:35:55,880 --> 00:35:56,360
Speaker 5: in the universe.

797
00:35:56,480 --> 00:35:56,760
Speaker 4: Universe.

798
00:35:57,600 --> 00:35:58,000
Speaker 5: Yeah.

799
00:35:58,200 --> 00:36:00,400
Speaker 4: I don't know how I feel about this. I think

800
00:36:00,920 --> 00:36:03,520
Speaker 4: I am definitely known for letting people know that they're

801
00:36:03,560 --> 00:36:05,600
Speaker 4: not charging me. The other day at the airport, I

802
00:36:05,719 --> 00:36:08,279
Speaker 4: ordered two fruit salads and she was like, yep, let

803
00:36:08,320 --> 00:36:10,920
Speaker 4: me go get them. Like the chargey thing will come

804
00:36:11,000 --> 00:36:13,160
Speaker 4: up and then it never did, and she came back

805
00:36:13,200 --> 00:36:14,480
Speaker 4: and was like, here's your fruit salads.

806
00:36:14,480 --> 00:36:14,920
Speaker 2: Have a good day.

807
00:36:14,960 --> 00:36:16,759
Speaker 4: And I was like, you haven't charged me, because she

808
00:36:16,760 --> 00:36:18,040
Speaker 4: clearly didn't click the thing.

809
00:36:18,400 --> 00:36:19,279
Speaker 2: And she was like, oh my god.

810
00:36:19,320 --> 00:36:20,960
Speaker 4: Other people would just walk away, and I'm like, the

811
00:36:21,000 --> 00:36:24,799
Speaker 4: gilt would eat me alive. But a year ago or so,

812
00:36:25,320 --> 00:36:29,880
Speaker 4: I accidentally stole a whole roast chicken from Coals Coals.

813
00:36:29,920 --> 00:36:32,160
Speaker 4: I'm so sorry. I did try to pay them back though,

814
00:36:32,200 --> 00:36:33,640
Speaker 4: because like I stole it.

815
00:36:33,760 --> 00:36:34,439
Speaker 2: I walked out.

816
00:36:34,719 --> 00:36:36,680
Speaker 4: I'd gone through self checkout, but you know when you

817
00:36:36,719 --> 00:36:39,680
Speaker 4: like grab more items than you think you were going to,

818
00:36:39,800 --> 00:36:42,560
Speaker 4: so you didn't grab a basket, I'd put the roast chicken.

819
00:36:43,080 --> 00:36:45,879
Speaker 4: I took the slip and put it on my arm right,

820
00:36:46,120 --> 00:36:48,200
Speaker 4: and so then I had all these other items and

821
00:36:48,200 --> 00:36:50,600
Speaker 4: I'm checking out, and because I had my handbag and

822
00:36:50,640 --> 00:36:52,959
Speaker 4: a roast chicken on my arm, I literally didn't scan

823
00:36:53,080 --> 00:36:54,080
Speaker 4: it at self checkout.

824
00:36:54,400 --> 00:36:54,680
Speaker 2: Left.

825
00:36:54,719 --> 00:36:57,680
Speaker 4: I stole a whole chicken. Guys got home realized what

826
00:36:57,719 --> 00:37:00,239
Speaker 4: I'd done. I'm not going back to the shops. It's

827
00:37:00,239 --> 00:37:03,040
Speaker 4: not happening. I ate the roast chicken. Ten out of

828
00:37:03,080 --> 00:37:05,520
Speaker 4: ten roast chicken. It does indeed taste better when it

829
00:37:05,560 --> 00:37:09,000
Speaker 4: is free. So then the next time I was at Corals,

830
00:37:09,040 --> 00:37:10,359
Speaker 4: I went up to the you know, the area where

831
00:37:10,360 --> 00:37:12,400
Speaker 4: they like sell cigarettes, and I was like, oh, no,

832
00:37:12,680 --> 00:37:15,160
Speaker 4: you probably have it on a camera, Like I didn't

833
00:37:15,160 --> 00:37:16,080
Speaker 4: want to be blacklisted.

834
00:37:16,160 --> 00:37:17,880
Speaker 2: I don't know, do they like I don't know.

835
00:37:18,040 --> 00:37:21,440
Speaker 4: At my Long Call supermarket, which is like a boutique supermarket,

836
00:37:21,520 --> 00:37:23,680
Speaker 4: not the one I went to, there's actually a sign

837
00:37:23,800 --> 00:37:25,480
Speaker 4: up at the front door and I'll take a photo

838
00:37:25,520 --> 00:37:27,240
Speaker 4: of it and put it on socials because it's funny

839
00:37:27,400 --> 00:37:30,000
Speaker 4: and it's of this guy who clearly steals a lot

840
00:37:30,040 --> 00:37:33,160
Speaker 4: from them, and it says band for Life, and it

841
00:37:33,200 --> 00:37:35,320
Speaker 4: says photo of this guy going through a checkout.

842
00:37:35,360 --> 00:37:38,000
Speaker 2: And I just have that in my mind, thinking your

843
00:37:38,160 --> 00:37:45,200
Speaker 2: face outside cos he's a listed. Funny because like they've

844
00:37:45,239 --> 00:37:46,840
Speaker 2: got AI and stuff at the checkout.

845
00:37:46,840 --> 00:37:48,960
Speaker 4: I don't know, maybe they're gonna be like this woman

846
00:37:49,160 --> 00:37:53,400
Speaker 4: steals chickens. Anyway, I was like, I'm going to go

847
00:37:53,440 --> 00:37:54,799
Speaker 4: back up, and I said to the girl, Hey, this

848
00:37:54,960 --> 00:37:57,480
Speaker 4: like really awkward thing happened, and like I explained to

849
00:37:57,520 --> 00:37:59,120
Speaker 4: this whole process in the same way that I just

850
00:37:59,160 --> 00:38:01,560
Speaker 4: explained it to your because I was like this is

851
00:38:01,560 --> 00:38:04,040
Speaker 4: so awkward and she's like, just leave it and I

852
00:38:04,080 --> 00:38:05,759
Speaker 4: was like no, but like, should I pay you for

853
00:38:05,800 --> 00:38:08,359
Speaker 4: the chicken now? She's like, I don't even know how

854
00:38:08,360 --> 00:38:11,080
Speaker 4: to do that, and I was like, okay enough. She's

855
00:38:11,120 --> 00:38:13,680
Speaker 4: like just a win is a win kind of vibes,

856
00:38:13,719 --> 00:38:16,239
Speaker 4: and I was like, okay, well I tried, but I

857
00:38:16,280 --> 00:38:18,240
Speaker 4: don't think they'll do the same for a washing machine

858
00:38:18,280 --> 00:38:20,560
Speaker 4: and a dryer. But I mean, I think it all

859
00:38:20,600 --> 00:38:24,200
Speaker 4: comes down to, like you personally, I don't think it's

860
00:38:24,320 --> 00:38:26,239
Speaker 4: the end of the world. I don't judge anyone for

861
00:38:26,280 --> 00:38:28,600
Speaker 4: not what if you didn't notice.

862
00:38:29,120 --> 00:38:29,640
Speaker 2: Well, that's the thing.

863
00:38:29,640 --> 00:38:31,560
Speaker 5: I'm sure it happens all the time where people do

864
00:38:31,680 --> 00:38:33,000
Speaker 5: and they just go, oh, well, they must have been

865
00:38:33,040 --> 00:38:33,480
Speaker 5: on sale.

866
00:38:33,719 --> 00:38:33,919
Speaker 2: Yeah.

867
00:38:33,960 --> 00:38:36,239
Speaker 4: And I remember checking my statement once and I got

868
00:38:36,280 --> 00:38:39,560
Speaker 4: overcharged for a coffee and I was like, rude, but

869
00:38:39,600 --> 00:38:40,759
Speaker 4: I can't be bothered fixing that.

870
00:38:41,120 --> 00:38:43,680
Speaker 2: Well, that's true. It kind of calming financial privilege.

871
00:38:43,719 --> 00:38:45,440
Speaker 4: But at the end of the day, I was like, oh,

872
00:38:45,480 --> 00:38:48,680
Speaker 4: but like, things happen, and I do think I don't know.

873
00:38:48,760 --> 00:38:52,080
Speaker 4: I feel like karma comes around and we should do

874
00:38:52,120 --> 00:38:54,680
Speaker 4: the right thing where possible. If it's a big come

875
00:38:54,760 --> 00:38:56,799
Speaker 4: it's very different than if you went to a mum

876
00:38:56,880 --> 00:38:59,879
Speaker 4: and dad electrical company and bought a washing machine off

877
00:39:00,800 --> 00:39:02,880
Speaker 4: than if you went and bought it off one of

878
00:39:02,920 --> 00:39:03,520
Speaker 4: the big guys.

879
00:39:03,600 --> 00:39:06,399
Speaker 6: Absolutely, if you're not even making a dent in the

880
00:39:06,520 --> 00:39:12,240
Speaker 6: whole ecosystem, I agree, then whatever, But yeah, a small business,

881
00:39:12,360 --> 00:39:13,480
Speaker 6: you want a media community?

882
00:39:13,760 --> 00:39:16,560
Speaker 4: I do, actually right, So we said if this happened

883
00:39:16,600 --> 00:39:18,480
Speaker 4: to you, would you go back and tell them? Turns

884
00:39:18,480 --> 00:39:21,640
Speaker 4: out most people are bes because only eight percent of

885
00:39:21,680 --> 00:39:23,640
Speaker 4: people said, yeah, I'll.

886
00:39:23,400 --> 00:39:25,520
Speaker 2: Go do the right thing in this economy I get it.

887
00:39:25,640 --> 00:39:28,839
Speaker 4: Yeah, in this economy judgment, we're just talking about our

888
00:39:28,840 --> 00:39:32,360
Speaker 4: personal experiences. Thirty four percent of you said, depends on

889
00:39:32,400 --> 00:39:34,279
Speaker 4: the amount, and fifty eight percent of you said no,

890
00:39:34,440 --> 00:39:35,240
Speaker 4: taking the money.

891
00:39:35,000 --> 00:39:37,040
Speaker 2: In gorgeous love this.

892
00:39:37,560 --> 00:39:40,760
Speaker 4: We then asked big retail chains deserve the same ethical

893
00:39:40,800 --> 00:39:44,839
Speaker 4: treatment as small businesses. No surprises here are Sixty three

894
00:39:44,880 --> 00:39:47,040
Speaker 4: percent of you said big retail is not the same

895
00:39:47,040 --> 00:39:47,880
Speaker 4: as small business.

896
00:39:48,239 --> 00:39:50,279
Speaker 2: Nine percent of you said, yeah, wrong is wrong?

897
00:39:50,840 --> 00:39:53,920
Speaker 4: Okay, in twenty eight percent of you said, depending on

898
00:39:53,960 --> 00:39:56,759
Speaker 4: the size of the mistake. Now I love that. But

899
00:39:56,800 --> 00:39:59,480
Speaker 4: then we also, as always said, to the community, whilst

900
00:39:59,480 --> 00:40:02,560
Speaker 4: your two cent first person said, I just assume it

901
00:40:02,600 --> 00:40:05,000
Speaker 4: was a really good sale. I'm not gonna think twice.

902
00:40:05,960 --> 00:40:07,719
Speaker 4: Another person said I don't.

903
00:40:07,520 --> 00:40:09,719
Speaker 2: Want any excuse for karma.

904
00:40:09,880 --> 00:40:12,080
Speaker 4: I'm going to go back just purely to try and

905
00:40:12,160 --> 00:40:15,239
Speaker 4: avoid the bad juju fair. Someone else said I would

906
00:40:15,239 --> 00:40:17,480
Speaker 4: be worried about potential claims on the warranty.

907
00:40:18,680 --> 00:40:20,399
Speaker 2: Think about that point yep.

908
00:40:21,239 --> 00:40:23,960
Speaker 4: Someone else said, you can google the profits those places

909
00:40:24,000 --> 00:40:26,879
Speaker 4: are making and the salaries of the CEOs.

910
00:40:27,239 --> 00:40:28,719
Speaker 2: You won't feel so bad after that.

911
00:40:29,000 --> 00:40:30,640
Speaker 5: Yeah, yep.

912
00:40:30,760 --> 00:40:34,800
Speaker 4: Someone else said, sounds like OP is seeking justification for theft.

913
00:40:34,920 --> 00:40:38,880
Speaker 2: Wrong. It's wrong, scary, so spicy.

914
00:40:39,280 --> 00:40:41,880
Speaker 4: Someone else said, my mum works for a big retailer.

915
00:40:41,960 --> 00:40:45,160
Speaker 4: The markup is crazy. They actually lost nothing. Take your

916
00:40:45,200 --> 00:40:48,879
Speaker 4: win and run, yes girl. Another person said people often

917
00:40:48,920 --> 00:40:52,360
Speaker 4: forget that some places we see as chains actually franchises

918
00:40:52,400 --> 00:40:53,760
Speaker 4: that are run by small families.

919
00:40:53,800 --> 00:40:56,640
Speaker 2: That's also a really sam great call. Yeah, but I

920
00:40:56,680 --> 00:41:00,680
Speaker 2: don't Yeah, maybe we google it. Someone has said ethically

921
00:41:00,719 --> 00:41:03,920
Speaker 2: thinking it does feel a lot like theft big company,

922
00:41:03,960 --> 00:41:08,359
Speaker 2: though it calls little people with shares impacted. I think

923
00:41:08,360 --> 00:41:09,560
Speaker 2: their shares will be impacted.

924
00:41:10,080 --> 00:41:10,520
Speaker 6: Nah.

925
00:41:10,680 --> 00:41:14,919
Speaker 4: No, So honestly, all businesses have some level of risk

926
00:41:15,000 --> 00:41:19,359
Speaker 4: built into their budgets as insurance, like if it's so big,

927
00:41:19,360 --> 00:41:21,560
Speaker 4: they'll claim on insurance, or you know what, if it's

928
00:41:21,560 --> 00:41:24,760
Speaker 4: that bad that sales assistant will call you and be like, hey, Jessica,

929
00:41:24,840 --> 00:41:25,680
Speaker 4: I made a mistake.

930
00:41:25,719 --> 00:41:27,279
Speaker 2: I need to fix it up. And you're going, oh,

931
00:41:27,320 --> 00:41:30,719
Speaker 2: I didn't even realize, Like, actually that happens, and it

932
00:41:30,840 --> 00:41:34,680
Speaker 2: totally that's it from me and from the community. Gorgeous. Well,

933
00:41:35,080 --> 00:41:37,200
Speaker 2: I hope you guys have a lovely weekend. Yeah, after

934
00:41:37,200 --> 00:41:38,600
Speaker 2: school weekend, We'll see.

935
00:41:38,400 --> 00:41:41,200
Speaker 4: You Monday morning, bright and early for our money diary,

936
00:41:41,280 --> 00:41:49,640
Speaker 4: so you guys. By the advice shared on She's on

937
00:41:49,680 --> 00:41:52,520
Speaker 4: the Money is generally nature and does not consider your

938
00:41:52,560 --> 00:41:57,000
Speaker 4: individual circumstances. She's on the Money exists purely for educational

939
00:41:57,040 --> 00:41:59,480
Speaker 4: purposes and should not be relied upon to make an

940
00:41:59,520 --> 00:42:02,799
Speaker 4: investment or financial decision. If you do choose to buy

941
00:42:02,800 --> 00:42:07,440
Speaker 4: a financial product, read the PDS TMD and obtain appropriate financial.

942
00:42:07,040 --> 00:42:08,840
Speaker 2: Advice tailored towards your needs.

943
00:42:09,200 --> 00:42:13,160
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

944
00:42:13,200 --> 00:42:15,719
Speaker 4: of Money sherper P T y lt D A b

945
00:42:15,920 --> 00:42:18,960
Speaker 4: N three two one six four nine two seven seven

946
00:42:19,080 --> 00:42:23,080
Speaker 4: zero eight AFS L four five one two eight nine,