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Speaker 1: She's on the Money. She's on the Money.

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

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Speaker 2: for millennials who want financial freedom. My name is Tony Lodge.

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Speaker 2: And joining us for another shot back money Diary, where

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Speaker 2: we chat to people in our community and they share

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Speaker 2: their stories with us, is Miss Victoria Divine.

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Speaker 3: Hello, how are you?

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Speaker 2: I'm good? Thank you. You're gonna like this one. I

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Speaker 2: say it every single week.

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Speaker 3: But you, I know we need to be more creative

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Speaker 3: with our intros. But literally, you trawl through money diaries

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Speaker 3: each and every single week to find the ones that

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Speaker 3: we're going to share on the show, and we get

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Speaker 3: so many great submissions. So I always put a lot

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Speaker 3: of pressure on you to perform and like pull out

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Speaker 3: the best of the best.

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Speaker 2: So I'm sweating bullets at the moment, hoping that you're

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Speaker 2: gonna love you.

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Speaker 3: So how about you read out the email and we

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Speaker 3: kick this off. Here we go.

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Speaker 2: Hi, She's on the Money team. Hey, I was listening

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Speaker 2: to your podcast and I remember Victoria mentioning that she

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Speaker 2: had a lot of clients that were in their early

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Speaker 2: thirties and had just been divorced and didn't even know

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Speaker 2: how to log into their bank app Well, I'm that girl.

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Speaker 2: I bought my first house when I was nineteen, after

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Speaker 2: working three jobs and saving to log into it. The

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Speaker 2: first three years, I was so broke I couldn't even

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Speaker 2: afford Christmas decorations. In twenty fourteen, my husband and I

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Speaker 2: moved into my parents place and started building a second house.

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Speaker 2: I got both houses on the market and started renting

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Speaker 2: them out. The houses were making a profit of almost

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Speaker 2: two K every month. When I was twenty nine, I

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Speaker 2: discovered my husband of ten years had been cheating.

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Speaker 3: The full time the whole time, and had.

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Speaker 2: A girlfriend for the last four years of our relationship.

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Speaker 2: I lost everything and gained a few STDs. By the

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Speaker 2: time I was able to get access to our bank accounts,

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Speaker 2: he had complete control over them. I saw that I

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Speaker 2: was only going to get one thousand, seven hundred and

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Speaker 2: fifty dollars. I soon found out that he'd gambled and

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Speaker 2: spent all of our savings on gambling and sex workers.

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Speaker 2: I also discovered we had a thirty K credit card debt.

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Speaker 2: What then I received the solicitor's bill for seventeen hundred dollars.

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Speaker 3: Actually had seventeen hundred dollars in her account.

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Speaker 2: So money in money, I've been able to manage to

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Speaker 2: turn that all back around. I bought a holiday house

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Speaker 2: last year and in the process of looking for house number.

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Speaker 3: Four, and I've bought a few shares.

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Speaker 2: I just want to share. I just want to share

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Speaker 2: my experience so I can help others in my situation,

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Speaker 2: because I know there are heaps of people like me

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Speaker 2: out there. What a dirty dog, and I really want

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Speaker 2: to get all the tea on this, And luckily dire

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Speaker 2: was on the line.

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Speaker 3: Oh my gosh, I know, heck dick, that happens in

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Speaker 3: real life. People have a girlfriend for four years while

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Speaker 3: being married. Money diarist, What on earth is your money story?

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Speaker 4: Well, it's a good one. It's gc.

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Speaker 3: We want all the tea money. Let's not talk about money.

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Speaker 3: Who is this guy? How do you do that? Did

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Speaker 3: you have any idea? Oh?

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Speaker 4: Look, I had a pretty good idea. He chewed on

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Speaker 4: me maybe five or six times prior to that, so

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Speaker 4: I should know one.

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Speaker 3: S that is so off. But right side, you're not

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Speaker 3: in that relationship anymore and you're essentially a property mogul.

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Speaker 3: Is that correct?

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Speaker 4: I think? So let's go with that.

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Speaker 3: Let's go with that. I have heaps of questions to you,

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Speaker 3: and I want to ask a whole heap of pervy ones.

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Speaker 3: But first we're going to go through our structured questions

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Speaker 3: to get all the baselines, and then we're going to chat.

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Speaker 3: Is that alright to dive straight in?

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Speaker 4: Go for it?

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Speaker 3: Great? So first questions first, what is your attitude towards money?

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Speaker 4: It's pretty good. Actually, I've had a pretty good age

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Speaker 4: towards money since I was a teenager and.

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Speaker 3: You bought your house. Yeah I'm still a child.

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Speaker 4: Yeah pretty much. Yeah, yeah, No, I've got a really

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Speaker 4: good attitude towards money and I've had that my whole life. Though.

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Speaker 3: I'm so excited to hear that you've always had a

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Speaker 3: really good attitude to money and it didn't push you

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Speaker 3: off the horse, to stay off the horse when you

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Speaker 3: went through something so traumatic.

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Speaker 4: Yeah all right, yeah.

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Speaker 3: Next question is what do you do for work and

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Speaker 3: how much money do you earn.

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Speaker 4: I'm a police officer and here I and I owned

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Speaker 4: one hundred and six k and this year, after this

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Speaker 4: financial he will be one hundred and ten.

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Speaker 3: Hold up, So someone had the audacity to cheat on

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Speaker 3: a police officer who.

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Speaker 4: He was one as well?

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Speaker 3: Whoa Oh my god, Is this a TV show? This

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Speaker 3: is a TV show. We're on Blue Heelers right now.

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Speaker 2: Oh my gosh, theah why you hang on seeing as

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Speaker 2: this is all anonymous?

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Speaker 3: So police officers, is there a bit of lack a

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Speaker 3: Is it incestuous?

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Speaker 2: Yeah? Is it like a crazy industry where everyone's sleeping

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Speaker 2: with each other?

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Speaker 3: Clearly, Yeah, it is a bit like that.

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Speaker 4: Yeah, the culture is like that. It was really bad

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Speaker 4: when I first joined it. Heard of weird stuff up,

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Speaker 4: but not really. But yeah, it's quite quite the defense

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Speaker 4: force as well.

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Speaker 3: Yeah, but I feel like that's quite common to kind

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Speaker 3: of like life ghoes with Like, you clearly have something

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Speaker 3: in common with those people, so it makes sense to matter.

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Speaker 3: It's like when doctors get married to other doctors. You're like,

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Speaker 3: of course you did.

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Speaker 2: You understand the industry. I'm never going to get home

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Speaker 2: And you go, well, I'm, you know, an accountant, so

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Speaker 2: I work nine to five. But a doctor's like, well,

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Speaker 2: you know, I've been working for seventy hours NonStop or whatever.

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Speaker 4: Yeah, so yeah, yeah, and it's not a normal job.

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Speaker 4: And then you do your work, so yeah, you can

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Speaker 4: understand why you get attracted to similar people in the industry.

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Speaker 3: Yeah, I just thought it was the uniform, but that

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Speaker 3: was just me.

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Speaker 2: So just a quick question about that. So obviously one

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Speaker 2: hundred and ten thousand dollars, it's good, it's an amazing money.

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Speaker 2: How long does it take you to kind of reach

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Speaker 2: that point in the police force or is that like

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Speaker 2: a starting figure?

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Speaker 4: No, so that's ten years in the police force.

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Speaker 3: Wow, that's good career congresation, that's huge.

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Speaker 4: Oh. Look, sometimes I feel like I still don't get

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Speaker 4: paid enough, you know, I would agree.

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Speaker 2: Yeah, I mean there are situations that you get put into, like.

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Speaker 3: I would absolutely agree, police ambulance, healthcare workers, teachers, like

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Speaker 3: all of you do not get paid nearly enough to

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Speaker 3: do the work that you do.

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Speaker 4: No, no, and then the work that the government asked

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Speaker 4: us to do can be a bit challenging as well.

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Speaker 3: So it's good to.

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Speaker 2: Ask, Like, through COVID and things like that, have you

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Speaker 2: seen the scope of what you do day to day

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Speaker 2: change a lot?

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Speaker 1: Or yeah?

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Speaker 4: Massively? Like you're doing your role past this COVID role

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Speaker 4: and you know, people gained dressed in leaguing, so you're

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Speaker 4: taking on their roles as well. You're not getting paid anymore,

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Speaker 4: You're just expected to do it.

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Speaker 2: That's really interesting to hear from your perspective how much

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Speaker 2: that's actually changed, because I guess the main narrative through

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Speaker 2: COVID has been people losing jobs.

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Speaker 4: Yeah, because you still have your normal work that hasn't

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Speaker 4: gone away.

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Speaker 2: Yeah. Wow, Well, thank you for your service is what

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Speaker 2: you say to I think.

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Speaker 3: So I'm always just like you guys are much cooler

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Speaker 3: than I like. It's a lot.

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Speaker 2: Crisp blue shirt. It does something direct.

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Speaker 3: We're not talking, sorry about that, Tony, Tony.

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Speaker 4: All right.

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Speaker 3: So next question is what is currently your big money goal.

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Speaker 4: I want to retire by the time I'm fifty. I

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Speaker 4: don't want to fifty. Yeah, got four hound money?

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Speaker 3: She does have four houses. That's very, very impressive on

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Speaker 3: the way.

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Speaker 4: I hope to get four hounds. Whether or not that happens,

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Speaker 4: she would the story.

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Speaker 2: Can I ask how old you are? Money diarist?

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Speaker 3: Thirty five, So she's still young. One hundred and ten

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Speaker 3: grand at thirty five.

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Speaker 2: So you've been a police officer since you were twenty five.

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Speaker 2: So you even bought your first house when you were nineteen,

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Speaker 2: so long before you had a career, full time job.

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Speaker 3: Yeah, you're asking questions. Story, all right. The next question

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Speaker 3: is and we are already no. Part of the answer

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Speaker 3: to this is do you currently have any investments?

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Speaker 4: Yes, I've got the houses that I own, and then

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Speaker 4: I've bought shares as well, so it's not many shares.

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Speaker 4: Is about fifteen thousand in shares.

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Speaker 3: There's not many. Okay, Well that's so good.

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Speaker 4: My partner does shares, and he does it a lot

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Speaker 4: more than me, so I just go, oh, that's a

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Speaker 4: little bit. So. The first chares I ever bought was

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Speaker 4: into a mortgage breaking company that approves applications in fifteen minutes.

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Speaker 3: Oh cool, I don't think I've heard it of that.

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Speaker 3: I'm going to look into it and going to ask

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Speaker 3: you offline question. Do you have any debts?

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Speaker 4: I do. I've got eight hundred and sixty thousand K

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Speaker 4: worth of debt, obviously because of the houses, but I

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Speaker 4: don't have credit card debts or a car loan or

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Speaker 4: anything like that.

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Speaker 3: Yeah, that's really impressive, and I feel like that's good

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Speaker 3: debt for you to work towards your financial future, which

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Speaker 3: is really exciting. Next question we've started asking all our

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Speaker 3: money diarists because we want all the hot tubs, is

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Speaker 3: do you currently use shot back?

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Speaker 4: I've been on there, and I've had a look back.

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Speaker 4: I don't buy a lot of stuff, so I haven't

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Speaker 4: found anything to buy off there yet.

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Speaker 3: She's not like us. Tony's got control. That's really nice.

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Speaker 2: I like, i'd have three houses on the way to

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Speaker 2: buying four if I didn't buy so much shot back

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Speaker 2: cash backs looking on So that's pretty.

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Speaker 3: Good to watch.

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Speaker 4: I just sort of go, if it's meant to be

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Speaker 4: in my life, it will be on sale and they'll

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Speaker 4: still be there in my side.

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Speaker 3: That's a mentality. I can't get you to that.

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Speaker 4: I like that.

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Speaker 3: The next question which I feel like that is a

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Speaker 3: good money habit. But the next question is what is

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Speaker 3: your best money habit? Is there one better than that?

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Speaker 3: I don't think so.

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Speaker 4: Well. Luckily, I think you're going to live your life

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Speaker 4: a little bit, probably more so than what I do sometimes.

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Speaker 4: But my best money habit would be that every time

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Speaker 4: I get paid, like straight away, I pay all my rent,

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Speaker 4: you know anything else that's sort of I need to pay,

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Speaker 4: I pay up straight away, and then I check my

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Speaker 4: bank account every day or every second day, just so

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Speaker 4: I can keep on top of like I did grow throies.

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Speaker 4: I'm like two hundred and sixty dollars. All right, cool,

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Speaker 4: where's my bank I know I have debits coming out

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Speaker 4: from my phone, Okay, I need to have that in there,

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Speaker 4: and I've got poles and whatever else. I'm just across

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Speaker 4: the figures in my bank account every day.

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Speaker 2: I think that's a really good habit. And obviously, Victoria,

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Speaker 2: that you're the expert, I think that's a good habit

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Speaker 2: because I now use your method of using like having

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Speaker 2: a cash hub and it going through down into different

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Speaker 2: bank accounts.

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Speaker 3: Office is a cult, yes, it is.

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Speaker 2: And so because I know that it's all set up

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Speaker 2: so well, I actually have kind of fallen into the

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Speaker 2: habit of not checking it because I'm like, I don't

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Speaker 2: need to. I know it's fine.

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Speaker 3: And it feels comfortable, right, Yeah. I know that what

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Speaker 3: is in my food, fuel and fun account is what

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Speaker 3: I can spend and it's not going to negatively impact me.

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Speaker 3: Whereas I remember when I was a bit younger, I

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Speaker 3: used to just have one card and one bank account,

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Speaker 3: so it's.

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Speaker 2: One cash pull and you're like, I've got heaps of

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Speaker 2: cat I can go do groceries and it's two hundred

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Speaker 2: and sixty bucks and then like the next day, your

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Speaker 2: phone bill comes in, you're.

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Speaker 3: Like, oh, I wish I'd not done that, and it

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Speaker 3: can be really stressful. So that's why we want more

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Speaker 3: than one bank account to break those things up and

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Speaker 3: plan into the future. Because if you're not doing that,

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Speaker 3: I promise you, you're doing yourself a disservice. Like it's

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Speaker 3: so so empowering when you're in control.

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Speaker 4: Yeah, all my savings is in my opposite accounts, so

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Speaker 4: it's really hard for me to a genius.

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Speaker 3: So she's a genius.

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Speaker 4: Is that money?

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Speaker 2: Then I want to know what's your worst money habit.

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Speaker 4: My worst is probably me spending money and feeling guilty

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Speaker 4: about it. So that's a really bad habit. And I

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Speaker 4: get really grumpy and angry if by buy something for

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Speaker 4: myself or I haven't been well. So you know, I

259
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Speaker 4: spent seven hundred and fifty dollars on infusions and doctors

260
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Speaker 4: and medications last week, and I shouldn't.

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Speaker 3: Be feeling bad about that, feeling grateful that you have

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Speaker 3: access to being able to afford to do those things

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Speaker 3: and that you get to put yourself first.

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Speaker 4: Oh my god, exactly.

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Speaker 3: Well, a good money habit, and it's your good money

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Speaker 3: habit that has put you in that position.

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Speaker 4: Yeah, yeah, it just still makes me dirty.

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Speaker 3: Do you know what? Regardless, I feel like when it's

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Speaker 3: something that you're like, well, it's not like I just

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Speaker 3: went and splurged on a new pair of shoes to

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Speaker 3: treat myself, like I couldn't get out of this infusion.

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Speaker 3: I had to have it, and you're just a bit

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Speaker 3: dirty though so expensive. It's like, I get that, but

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Speaker 3: I definitely wouldn't say it's a bad money habit or go.

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Speaker 2: I really splurged on my own health the other day, Like.

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Speaker 3: I splurged and I paid for my antidepressants. Me.

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Speaker 4: Well, I do when I go on holidays, the l

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Speaker 4: actually holidays there the Yeah, I spent a ridiculous amount

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Speaker 4: of money on my holidays, so that's probably where I plurged.

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Speaker 3: You know what, live your best life about those holidays?

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Speaker 2: Well, I had wasn't allowed to ask about the police uniform,

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Speaker 2: so okay.

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Speaker 3: Okay, lucky. Last question, if we forced you to give

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Speaker 3: yourself grade, what would you grade yourself?

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Speaker 4: Still probably a B because I'd like to save more money.

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Speaker 4: I just spent too much money on too because I

287
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Speaker 4: hate cooking. So yeah, I am definitely supporting local at

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Speaker 4: the moment.

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Speaker 3: That.

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Speaker 2: Yes, yes, genius, I think as well, like you said before,

291
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Speaker 2: because you do shift work, it's a bit harder to

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Speaker 2: get into a routine, right.

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Speaker 4: It is very hard. Yeah, it is really hard. And

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Speaker 4: you're like, I'm hungry and at three o'clock in the morning,

295
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Speaker 4: and I shouldn't be hungry right now, and then you know,

296
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Speaker 4: the only thing that's open is a vending machine in

297
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Speaker 4: the station and next thing, you're having snakes, you know,

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Speaker 4: at three o'clock in the morning.

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Speaker 2: Nothing else there.

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Speaker 3: Yeah, so that's true, and that's really hard to deal

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Speaker 3: with as well, because you're like, well, I actually didn't

302
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Speaker 3: have time to plan, but it's one Yeah, I could,

303
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Speaker 3: I could sympathize with that, but I'm always asleep at

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Speaker 3: three am.

305
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Speaker 4: Yeah, I think most people are sleep at three a criminal.

306
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Speaker 3: I just say, except for the ones. And that's why

307
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Speaker 3: you're at it.

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Speaker 2: All right.

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Speaker 3: We're going to go to a really quick break and

310
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Speaker 3: then we are going to ask you about your fancy holidays,

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Speaker 3: your ex partner, and Tony wants to ask you about

312
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Speaker 3: your uniform season money direst. We are back and I've

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Speaker 3: got a lot of questions because I feel like your

314
00:15:24,600 --> 00:15:28,200
Speaker 3: story is really colorful, from being cheated on to actually

315
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Speaker 3: buying your first home at nineteen to wearing a really attractive,

316
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Speaker 3: according to Tony uniform. Like, there's just a lot to cover,

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Speaker 3: but I think I want to start at the start,

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Speaker 3: if that's okay. At nineteen you weren't a police officer yet.

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Speaker 3: How on earth did you buy your first home?

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Speaker 4: Like?

321
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Speaker 3: What were you working in? How did you save?

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Speaker 4: Like?

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Speaker 3: How was that possible for a nineteen year old?

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Speaker 4: So back in the day, probably before a few people

325
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Speaker 4: were born listening to this podcast, we know.

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Speaker 3: How not that old.

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Speaker 2: You're actually like an eighty year old woman.

328
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Speaker 3: It's really bad day.

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Speaker 4: It feels like so long ago. So back then they

330
00:16:11,440 --> 00:16:14,960
Speaker 4: were giving out handout of fifteen thousand dollars for the

331
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Speaker 4: grant our first home. Bot Yeah, and you didn't have

332
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Speaker 4: to build a new home, so we saved up. I

333
00:16:23,240 --> 00:16:26,360
Speaker 4: think I was twelve or maybe fifteen, they're about so

334
00:16:26,680 --> 00:16:31,600
Speaker 4: the deposit for the house was twenty five Wow. The

335
00:16:31,960 --> 00:16:34,920
Speaker 4: first house that we bought was three hundred and five.

336
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Speaker 4: And back then you didn't even really have to have

337
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Speaker 4: a deposit. It was like one hundred percent loans that

338
00:16:41,280 --> 00:16:44,360
Speaker 4: you could get. So we obviously didn't get one hundred

339
00:16:44,360 --> 00:16:48,320
Speaker 4: percent of the loan. But we yeah, that's how we

340
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Speaker 4: got our first house.

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Speaker 3: Wow.

342
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Speaker 2: So what were you doing for work at the time then, Like,

343
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Speaker 2: what were you earning?

344
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Speaker 4: So I was a dental assistant.

345
00:16:57,000 --> 00:17:01,640
Speaker 3: Back then they earned money to a dentist for the

346
00:17:01,720 --> 00:17:04,200
Speaker 3: last couple of weeks. Actually, yeah, I've got a great dentist.

347
00:17:04,520 --> 00:17:07,560
Speaker 2: Yeah, or just indistry if anyone's interested in Melbourne.

348
00:17:09,880 --> 00:17:12,040
Speaker 3: Not sponsored yet, but she's working on it.

349
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Speaker 4: And my partner had just gone to the police force.

350
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Speaker 4: So us getting a home loan was quite easy.

351
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Speaker 2: Okay, because he was like in a service, Yeah.

352
00:17:22,720 --> 00:17:25,159
Speaker 4: In a service. Yeah. So back then you didn't have

353
00:17:25,200 --> 00:17:28,399
Speaker 4: the rules and regulations around the homeland and that's how

354
00:17:28,440 --> 00:17:30,600
Speaker 4: we got our first time. But like I said, so

355
00:17:30,760 --> 00:17:34,320
Speaker 4: broke couldn't afford Christmas decorations for the first year, and

356
00:17:34,359 --> 00:17:36,879
Speaker 4: I remember being so excited that I could afford layby

357
00:17:37,520 --> 00:17:39,480
Speaker 4: for the after Christmas hours and then went and got

358
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Speaker 4: my Christmas decorations.

359
00:17:41,000 --> 00:17:45,840
Speaker 2: So that's a really nice and really warm, wholesome memory

360
00:17:45,840 --> 00:17:47,480
Speaker 2: that you have that you worked really really hard to

361
00:17:47,480 --> 00:17:49,480
Speaker 2: put all your money into something and that like a

362
00:17:49,560 --> 00:17:51,560
Speaker 2: year later you could finally afford something.

363
00:17:51,600 --> 00:17:54,800
Speaker 3: That is so like every day gee, right, but like

364
00:17:54,920 --> 00:17:57,960
Speaker 3: one of those things where also Layby why don't we

365
00:17:58,040 --> 00:18:00,440
Speaker 3: have more labor people talk about? Why don't people talk

366
00:18:00,480 --> 00:18:03,320
Speaker 3: about lay By more lay by Land. We're not sponsored

367
00:18:03,320 --> 00:18:05,680
Speaker 3: by them. I just really like them. Layby land dot

368
00:18:05,680 --> 00:18:07,600
Speaker 3: com dot are you, I think is a really good

369
00:18:07,640 --> 00:18:09,680
Speaker 3: alternative to buy now, pay later, because you don't get

370
00:18:09,720 --> 00:18:11,880
Speaker 3: the item until you've paid for it, which is kind

371
00:18:11,880 --> 00:18:14,800
Speaker 3: of like that delayed gratification thing, like if you actually

372
00:18:14,800 --> 00:18:17,440
Speaker 3: want it, you'll wait for it, right exactly. Anyway, I'm

373
00:18:17,480 --> 00:18:19,600
Speaker 3: obsessed with them. They don't even know who I am. Like,

374
00:18:19,640 --> 00:18:22,399
Speaker 3: I've never spoken to them, but I'm like their biggest friend,

375
00:18:22,760 --> 00:18:26,199
Speaker 3: lou ky creepy. That's okay, but I just feel like

376
00:18:26,359 --> 00:18:29,800
Speaker 3: also Christmas decorations, buying them after Christmas is genius because

377
00:18:29,800 --> 00:18:30,840
Speaker 3: they're always on sale.

378
00:18:30,880 --> 00:18:32,120
Speaker 2: Yeah, they're always so cheap.

379
00:18:32,400 --> 00:18:33,240
Speaker 3: Smart cookie.

380
00:18:33,359 --> 00:18:37,119
Speaker 4: Yes, my poor niece's nephews always get that. Easter does

381
00:18:37,160 --> 00:18:37,840
Speaker 4: as well, so.

382
00:18:39,400 --> 00:18:41,800
Speaker 2: You can get so much chocolate for not much money.

383
00:18:42,119 --> 00:18:44,000
Speaker 2: My boyfriend and I always go to Coll's like the

384
00:18:44,080 --> 00:18:46,560
Speaker 2: day after Easter Sunday and buy like heaps eggs and

385
00:18:46,560 --> 00:18:48,880
Speaker 2: then eat them through the ear a my kidding through

386
00:18:48,880 --> 00:18:50,520
Speaker 2: the year in the weekend.

387
00:18:52,880 --> 00:18:58,160
Speaker 3: So moving on, this partner of yours boyfriend became your husband,

388
00:18:58,400 --> 00:18:58,960
Speaker 3: is that right?

389
00:19:00,119 --> 00:19:03,360
Speaker 4: Yeah. So we got married before I was twenty one,

390
00:19:03,560 --> 00:19:07,200
Speaker 4: so I remember it was baby. I was a kid.

391
00:19:07,280 --> 00:19:09,760
Speaker 4: I was a baby, so was he. So you know,

392
00:19:10,400 --> 00:19:15,000
Speaker 4: he kidd of me before we got married. But being young,

393
00:19:15,080 --> 00:19:17,080
Speaker 4: you just go, we're working on this, and then when

394
00:19:17,080 --> 00:19:19,000
Speaker 4: you're married, you go, well you're married. You just don't

395
00:19:19,119 --> 00:19:23,080
Speaker 4: walk away from it. And so yeah, I worked with

396
00:19:23,160 --> 00:19:26,040
Speaker 4: him really hard, but I didn't realize that he was gambling.

397
00:19:26,359 --> 00:19:29,359
Speaker 4: And you know, I'd go to buy groceries and the

398
00:19:29,760 --> 00:19:32,680
Speaker 4: card would decline. I'd be like, that's weird. Why don't

399
00:19:32,680 --> 00:19:34,800
Speaker 4: we have any money? Like we're both you know, on

400
00:19:34,840 --> 00:19:39,520
Speaker 4: government wages now, like we should have a decent income food.

401
00:19:40,440 --> 00:19:43,840
Speaker 4: So yeah, and he said to me, I remember it clearly,

402
00:19:43,880 --> 00:19:47,719
Speaker 4: he said, you control everything else in my life. The

403
00:19:47,760 --> 00:19:49,280
Speaker 4: only thing you let me do is the money, So

404
00:19:49,400 --> 00:19:49,879
Speaker 4: let me do it.

405
00:19:50,920 --> 00:19:53,520
Speaker 2: So you were like, you can take control of that.

406
00:19:53,840 --> 00:19:56,359
Speaker 4: Yeah, yeah, because I was like, oh, maybe I am

407
00:19:56,440 --> 00:19:57,240
Speaker 4: controlling him and.

408
00:20:00,000 --> 00:20:03,600
Speaker 3: I was gas lighting you one hundred gas lighting me.

409
00:20:03,760 --> 00:20:07,679
Speaker 4: So it was when I went through the academy, we

410
00:20:07,720 --> 00:20:10,040
Speaker 4: obviously had to save up to cover the mortgage, so

411
00:20:10,080 --> 00:20:11,920
Speaker 4: I had one chance to get through the academy, which

412
00:20:11,960 --> 00:20:14,480
Speaker 4: is a lot of stress because you don't get paid

413
00:20:15,840 --> 00:20:18,040
Speaker 4: and you get you get a debt as well, so

414
00:20:18,840 --> 00:20:21,199
Speaker 4: which is another savings tacker. I don't know if it's

415
00:20:21,240 --> 00:20:24,800
Speaker 4: a hack, but I still pay my HEX every year,

416
00:20:24,920 --> 00:20:26,560
Speaker 4: so it's like pulse savings.

417
00:20:26,960 --> 00:20:28,800
Speaker 3: Even though you've paid your HEX. So do you get

418
00:20:28,800 --> 00:20:29,919
Speaker 3: an epick return?

419
00:20:30,880 --> 00:20:31,120
Speaker 4: Yeah.

420
00:20:31,320 --> 00:20:33,840
Speaker 3: I know a whole heap of people that still do

421
00:20:33,960 --> 00:20:36,119
Speaker 3: that because they're like, I wouldn't save otherwise.

422
00:20:36,240 --> 00:20:40,320
Speaker 4: Yeah, no, no, So I get a nice pay package

423
00:20:40,359 --> 00:20:43,280
Speaker 4: every financial year, and I'm like, see, so that helps me.

424
00:20:44,560 --> 00:20:47,840
Speaker 4: And then I went through the academy. I just buried

425
00:20:47,840 --> 00:20:51,159
Speaker 4: my head and we saved up enough money. Well, I

426
00:20:51,160 --> 00:20:53,480
Speaker 4: thought we did to build a second house at the

427
00:20:53,480 --> 00:20:56,280
Speaker 4: back of the house that we had purchased. But I

428
00:20:56,320 --> 00:21:01,240
Speaker 4: purposely picked the block that we purchased straight away because

429
00:21:01,240 --> 00:21:04,040
Speaker 4: it was a flat block and was able to be subdivided.

430
00:21:04,080 --> 00:21:06,720
Speaker 4: So I knew eventually that I wanted to subdivide it

431
00:21:06,760 --> 00:21:09,239
Speaker 4: and put another house out the back, and that's what

432
00:21:09,320 --> 00:21:12,200
Speaker 4: we did, and renovated the front house while we're building

433
00:21:12,200 --> 00:21:14,480
Speaker 4: out the back. So had that all going. I just

434
00:21:14,520 --> 00:21:16,040
Speaker 4: had my head in the sand, and I just sort

435
00:21:16,080 --> 00:21:18,080
Speaker 4: of knew. I knew something was happening, but you just

436
00:21:18,080 --> 00:21:20,240
Speaker 4: don't want to know at the same time for sure,

437
00:21:20,280 --> 00:21:23,639
Speaker 4: And the universe has a real funny way of going.

438
00:21:23,920 --> 00:21:25,919
Speaker 4: You know what. You can't run away from this anymore.

439
00:21:25,920 --> 00:21:28,199
Speaker 4: And I had a really bad cat and then to

440
00:21:28,240 --> 00:21:34,040
Speaker 4: the point where I couldn't walk anymore. So I still

441
00:21:34,080 --> 00:21:37,359
Speaker 4: have problems now, but I'm obviously still able to do

442
00:21:37,400 --> 00:21:39,880
Speaker 4: my job, so it's just a little bit more painful.

443
00:21:40,800 --> 00:21:44,480
Speaker 4: And everything stopped, Everything had to stop. And that's when

444
00:21:44,520 --> 00:21:47,919
Speaker 4: I started picking up on, you know, just things. So

445
00:21:48,040 --> 00:21:50,880
Speaker 4: I think they was doing but I'd never noticed before,

446
00:21:52,040 --> 00:21:55,680
Speaker 4: you know, spending hours on the toilet, the phone always

447
00:21:55,720 --> 00:21:59,360
Speaker 4: been flipped down, the screen was always down, just intertinct.

448
00:21:59,440 --> 00:22:03,400
Speaker 4: So then I confronted him and I may have done

449
00:22:03,440 --> 00:22:06,800
Speaker 4: a download on his old phone that he kept with him.

450
00:22:07,040 --> 00:22:07,920
Speaker 3: Get it, girl, what.

451
00:22:07,920 --> 00:22:09,000
Speaker 2: A police officer move?

452
00:22:09,080 --> 00:22:09,840
Speaker 3: Yeah?

453
00:22:10,160 --> 00:22:12,440
Speaker 4: Yeah, I was like, you can do is that work, Sully?

454
00:22:12,480 --> 00:22:15,800
Speaker 4: There'll be a program that you can do. It's on

455
00:22:15,840 --> 00:22:16,800
Speaker 4: the internet.

456
00:22:16,960 --> 00:22:19,200
Speaker 3: And they don't cheat on a cop. What a plan.

457
00:22:19,359 --> 00:22:20,480
Speaker 2: They're also not endorsing this.

458
00:22:20,680 --> 00:22:23,040
Speaker 3: We're not endorsing this, but I don't know I have

459
00:22:23,119 --> 00:22:26,400
Speaker 3: girlfriends who have had partners cheat on them historically. Right,

460
00:22:26,840 --> 00:22:28,960
Speaker 3: So many people are like, oh, well, you should never

461
00:22:28,960 --> 00:22:32,040
Speaker 3: invade their privacy, and I totally agree, but I'd prefer

462
00:22:32,160 --> 00:22:35,200
Speaker 3: to be in this situation where I'm just really embarrassed

463
00:22:35,240 --> 00:22:37,399
Speaker 3: for having invaded their privacy, to the point where I'm like,

464
00:22:37,400 --> 00:22:39,160
Speaker 3: oh my god, Tony, I'm so sorry. I did look

465
00:22:39,200 --> 00:22:41,520
Speaker 3: on your phone. I was just feeling really nervous. But

466
00:22:41,680 --> 00:22:43,480
Speaker 3: ninety nine percent of the time, when you look, you

467
00:22:43,520 --> 00:22:45,720
Speaker 3: find something because you always have that gut instinct and

468
00:22:45,760 --> 00:22:47,720
Speaker 3: you're only looking because there's.

469
00:22:47,520 --> 00:22:49,800
Speaker 2: Been something telling something telling you.

470
00:22:49,720 --> 00:22:51,840
Speaker 3: That you should have And I'm kind of like, oh, like,

471
00:22:52,000 --> 00:22:55,560
Speaker 3: I don't necessarily agree with it, but in certain situations,

472
00:22:56,080 --> 00:22:58,879
Speaker 3: it's just the validation that you need to make the

473
00:22:58,960 --> 00:23:00,000
Speaker 3: right decision for you and you.

474
00:23:00,520 --> 00:23:02,800
Speaker 2: Yeah, but at this point, he was still controlling all

475
00:23:02,840 --> 00:23:04,159
Speaker 2: of your finances and everything.

476
00:23:04,200 --> 00:23:04,760
Speaker 1: Is that right?

477
00:23:04,880 --> 00:23:07,000
Speaker 3: Oh my gosh, So you did a download of his sign,

478
00:23:07,480 --> 00:23:08,119
Speaker 3: what'd you find?

479
00:23:08,200 --> 00:23:11,520
Speaker 4: Yep, that's when I found out he had the girlfriend

480
00:23:11,560 --> 00:23:12,440
Speaker 4: for four years.

481
00:23:14,080 --> 00:23:16,360
Speaker 2: You must have been absolutely heartbroken, and you've just been

482
00:23:16,359 --> 00:23:17,720
Speaker 2: through a car accident as well.

483
00:23:17,960 --> 00:23:20,479
Speaker 4: I lost this seeing kilos and this is where I've

484
00:23:20,480 --> 00:23:24,359
Speaker 4: got all my health issues from now from just making

485
00:23:24,400 --> 00:23:28,720
Speaker 4: myself sick over this breakup, and that's why I'm still

486
00:23:28,760 --> 00:23:34,360
Speaker 4: paying for medical wheels, which I'm dirty about anyway. So yeah,

487
00:23:34,400 --> 00:23:37,119
Speaker 4: So I did the download, got all the photos. I

488
00:23:37,160 --> 00:23:38,960
Speaker 4: sent him the photos because he was at work, and

489
00:23:39,000 --> 00:23:40,960
Speaker 4: I said, that's it. Were getting the divorce. You had

490
00:23:41,000 --> 00:23:43,639
Speaker 4: plenty of opportunities to tell me exactly what was happening,

491
00:23:43,640 --> 00:23:47,960
Speaker 4: and you didn't, And I said, that's it done. I

492
00:23:48,000 --> 00:23:51,200
Speaker 4: went and got an SDD check and at the time,

493
00:23:51,240 --> 00:23:54,359
Speaker 4: adopted didn't tell me to get a PAT smith, which

494
00:23:54,400 --> 00:23:56,199
Speaker 4: I'm going to just say to all the females, if

495
00:23:56,200 --> 00:23:59,040
Speaker 4: you ever get SDD check, get a pat me, because

496
00:23:59,040 --> 00:24:01,720
Speaker 4: that's when I found out. About two years old. I

497
00:24:01,760 --> 00:24:03,199
Speaker 4: did a PAPS to me and they said that I

498
00:24:03,200 --> 00:24:07,879
Speaker 4: had to servical cancer violist. Oh my gosh, and so

499
00:24:07,920 --> 00:24:09,760
Speaker 4: I had to pass me on Wednesday. On a Friday,

500
00:24:09,800 --> 00:24:11,240
Speaker 4: they called me and said You've got to go into

501
00:24:11,280 --> 00:24:15,920
Speaker 4: surgery on Monday, and I was like, what, so yes,

502
00:24:16,040 --> 00:24:18,480
Speaker 4: So if you're ever in that situation, get a PAP

503
00:24:18,520 --> 00:24:19,040
Speaker 4: to me test.

504
00:24:19,119 --> 00:24:21,600
Speaker 2: So I actually would like to jump on that as well.

505
00:24:21,640 --> 00:24:24,720
Speaker 2: I encourage everybody I know that it sounds really horrible

506
00:24:24,720 --> 00:24:27,560
Speaker 2: and invasive and scary. It's really not that bad. Please

507
00:24:27,640 --> 00:24:30,320
Speaker 2: just go and get it. There's nothing awkward about our vaginas.

508
00:24:30,760 --> 00:24:33,359
Speaker 2: Everybody's got one. If you are a vagina ha er,

509
00:24:33,480 --> 00:24:34,800
Speaker 2: please make sure that you're.

510
00:24:35,240 --> 00:24:36,159
Speaker 3: A vagina have er.

511
00:24:36,280 --> 00:24:38,400
Speaker 2: Yeah, if you're a vagina haber, like if you are.

512
00:24:38,400 --> 00:24:41,040
Speaker 3: The owner of a vagina, whoever you are, it doesn't

513
00:24:41,080 --> 00:24:41,760
Speaker 3: matter who you are.

514
00:24:41,800 --> 00:24:44,040
Speaker 2: If you're a vagina haver, get it, perhaps me out,

515
00:24:44,200 --> 00:24:45,240
Speaker 2: hire me for marketing.

516
00:24:45,680 --> 00:24:48,159
Speaker 3: Why am I doing this? Or you're not getting a

517
00:24:48,160 --> 00:24:50,120
Speaker 3: promotion to marketing. You can stay as our EP.

518
00:24:52,840 --> 00:24:57,400
Speaker 4: So then the divorce proceedings started, and obviously when we

519
00:24:57,640 --> 00:25:00,679
Speaker 4: figured out when I figured out that he was, I

520
00:25:00,720 --> 00:25:03,680
Speaker 4: went straight to the bank and opened up my own

521
00:25:03,720 --> 00:25:06,920
Speaker 4: bank account and transferred it was the one, seven hundred

522
00:25:06,920 --> 00:25:09,480
Speaker 4: and fifty dollars into my bank account, and I was like,

523
00:25:09,600 --> 00:25:12,320
Speaker 4: that's all I have. I was like, oh my god.

524
00:25:12,359 --> 00:25:14,679
Speaker 4: When I saw the bank account details, I was like,

525
00:25:15,200 --> 00:25:18,680
Speaker 4: that's all I have. Like, after you know, fifteen years

526
00:25:18,680 --> 00:25:19,680
Speaker 4: of working.

527
00:25:19,480 --> 00:25:21,240
Speaker 2: That's so heartbreaking for you.

528
00:25:21,520 --> 00:25:24,560
Speaker 4: It was really heartbreaking. And then I made the decision

529
00:25:24,680 --> 00:25:27,280
Speaker 4: to sell the house because I couldn't afford to paint

530
00:25:27,280 --> 00:25:29,840
Speaker 4: me out because by this stage it had gone through

531
00:25:29,880 --> 00:25:32,080
Speaker 4: a boom and then obviously having a second house and

532
00:25:32,160 --> 00:25:33,520
Speaker 4: they're being sub divided.

533
00:25:33,680 --> 00:25:33,920
Speaker 3: Yep.

534
00:25:34,840 --> 00:25:38,040
Speaker 4: Yeah, I just couldn't afford it on my wage, so

535
00:25:38,240 --> 00:25:40,560
Speaker 4: I had to sell it, which is very, very heartbreaking.

536
00:25:41,680 --> 00:25:45,520
Speaker 4: So I got a massive payout from that because the

537
00:25:45,640 --> 00:25:49,239
Speaker 4: homelan was in the two hundreds by that stage, and

538
00:25:49,240 --> 00:25:52,320
Speaker 4: obviously we sold it for about eight fifty, so I've

539
00:25:52,359 --> 00:25:53,720
Speaker 4: got a massive payout.

540
00:25:53,880 --> 00:25:57,200
Speaker 3: Well, like, I'm so glad to hear that, because hearing

541
00:25:57,240 --> 00:25:59,679
Speaker 3: that you had been left with nothing after working for

542
00:25:59,720 --> 00:26:02,440
Speaker 3: so long, long to know that you weren't left absolutely

543
00:26:02,520 --> 00:26:05,520
Speaker 3: high and dry, which happens to so many people. Yeah,

544
00:26:05,960 --> 00:26:08,160
Speaker 3: it's a good news story, even though it came from

545
00:26:08,160 --> 00:26:10,040
Speaker 3: a place where you're kind of forced into it.

546
00:26:11,000 --> 00:26:15,080
Speaker 4: Yeah, yeah, absolutely, And it was shit and I know

547
00:26:15,160 --> 00:26:17,280
Speaker 4: that house is worth to hit them all now, but

548
00:26:17,480 --> 00:26:19,639
Speaker 4: you just have to coup it on the chin and

549
00:26:19,720 --> 00:26:22,720
Speaker 4: keep going. So I bought a block of land down

550
00:26:22,760 --> 00:26:27,320
Speaker 4: Melbourne and built a house and then it just started

551
00:26:27,320 --> 00:26:30,760
Speaker 4: from there. So just and I bought a holiday house

552
00:26:30,840 --> 00:26:35,800
Speaker 4: down at the South Coast last year because I'm like,

553
00:26:36,480 --> 00:26:40,800
Speaker 4: I just need for my health somewhere to reconnect with nature.

554
00:26:40,960 --> 00:26:43,560
Speaker 4: And yeah, so now I let that out as a

555
00:26:43,560 --> 00:26:46,200
Speaker 4: holiday house because obviously you're working. I can't go down

556
00:26:46,200 --> 00:26:48,960
Speaker 4: there all the time. So yeah, that's a bit of

557
00:26:48,960 --> 00:26:51,800
Speaker 4: a slide huffle hustle now, so that makes me quite

558
00:26:51,840 --> 00:26:54,040
Speaker 4: a bit of income. That made us about seventy thousand.

559
00:26:54,520 --> 00:26:57,080
Speaker 3: What what you hold up? Hold up? Hold up? Why

560
00:26:57,200 --> 00:26:59,560
Speaker 3: was that not in the first Like you told me

561
00:26:59,680 --> 00:27:01,560
Speaker 3: that you earn one hundred and ten thousand dollars and

562
00:27:01,680 --> 00:27:06,480
Speaker 3: just forgot that you earned seventy grand in a side hustle? Yeah,

563
00:27:06,680 --> 00:27:09,720
Speaker 3: the hold on, hold on, all right? So we you

564
00:27:09,760 --> 00:27:12,359
Speaker 3: want to know how much do you purchase that house for?

565
00:27:12,960 --> 00:27:15,040
Speaker 3: And are you putting it on AMBNB? Like how are

566
00:27:15,040 --> 00:27:16,159
Speaker 3: you doing this? I want to know.

567
00:27:16,720 --> 00:27:20,119
Speaker 4: So originally it was on the market for nine ninety

568
00:27:20,640 --> 00:27:24,960
Speaker 4: and when COVID hits and everyone's like, the house prices

569
00:27:25,119 --> 00:27:27,360
Speaker 4: are never going to recover, and it took that big dip.

570
00:27:27,560 --> 00:27:30,239
Speaker 4: I knew the house prices were going to recover, and

571
00:27:30,280 --> 00:27:33,119
Speaker 4: we found this house and we offered six fifty for it,

572
00:27:33,160 --> 00:27:35,080
Speaker 4: and we saw that just straight away.

573
00:27:35,480 --> 00:27:38,399
Speaker 3: What you are. So they just took it and you

574
00:27:38,440 --> 00:27:41,000
Speaker 3: bought it for six fifty when it was worth nine ninety,

575
00:27:41,200 --> 00:27:45,080
Speaker 3: like you got a million dollar property for an epic discount.

576
00:27:45,280 --> 00:27:49,680
Speaker 4: We renovated it and made it a lot more homely

577
00:27:50,000 --> 00:27:55,080
Speaker 4: and yeah, our holiday house friendly, and yeah, it's been

578
00:27:55,119 --> 00:27:57,120
Speaker 4: booked out since we put it on the market. So

579
00:27:57,240 --> 00:27:59,040
Speaker 4: we have our own website that we often have it

580
00:27:59,040 --> 00:28:01,760
Speaker 4: on lights Day and river ride and Airbnb.

581
00:28:02,119 --> 00:28:04,320
Speaker 3: Oh my gosh, she's the Gata house for that time.

582
00:28:04,400 --> 00:28:06,880
Speaker 3: But I feel like that's a side huszle that's rising,

583
00:28:07,000 --> 00:28:10,280
Speaker 3: having holiday houses. So now you've bought this house, even

584
00:28:10,320 --> 00:28:12,879
Speaker 3: though like six sixty is a lot of money, but

585
00:28:13,920 --> 00:28:17,199
Speaker 3: you've bought this house. Does the Airbnb cover the mortgage

586
00:28:17,280 --> 00:28:18,959
Speaker 3: or payments and stuff like that for you? So you're

587
00:28:19,000 --> 00:28:21,639
Speaker 3: now turning a profit or was that seventy k actually

588
00:28:21,680 --> 00:28:22,119
Speaker 3: the profit?

589
00:28:23,760 --> 00:28:29,760
Speaker 4: No, So the renovation costs us about forty five fifty thousand.

590
00:28:30,000 --> 00:28:32,439
Speaker 4: And I'm quite lucky because I've done renovations before and

591
00:28:32,480 --> 00:28:34,800
Speaker 4: built before, and my dad built us and we just

592
00:28:34,840 --> 00:28:37,960
Speaker 4: all went down there and knuckled in and did it ourselves.

593
00:28:38,480 --> 00:28:40,920
Speaker 4: So that's what was able to save us on the

594
00:28:40,960 --> 00:28:45,400
Speaker 4: renovation budget. But three payments about eighteen thousand a year,

595
00:28:45,840 --> 00:28:49,240
Speaker 4: and then you know you insurance rates and all that.

596
00:28:49,280 --> 00:28:52,360
Speaker 4: So you're probably looking about twenty five thousand, so we've

597
00:28:52,400 --> 00:28:53,480
Speaker 4: made quite a be a profit.

598
00:28:53,720 --> 00:28:56,440
Speaker 3: Yeah, that is so good. And as time goes on,

599
00:28:56,520 --> 00:28:59,560
Speaker 3: obviously those costs are going to go down because you're

600
00:28:59,560 --> 00:29:01,440
Speaker 3: not going to innovate every single year.

601
00:29:01,960 --> 00:29:02,560
Speaker 4: What are we in?

602
00:29:02,840 --> 00:29:07,400
Speaker 3: No congrats, I feel like you've bounced back incredibly well

603
00:29:07,800 --> 00:29:11,160
Speaker 3: given going through that would have been very traumatic. And

604
00:29:11,240 --> 00:29:13,160
Speaker 3: I know we don't have heaps of time left because

605
00:29:13,160 --> 00:29:16,680
Speaker 3: Tony keeps looking at me. But I'd really like to

606
00:29:16,720 --> 00:29:18,960
Speaker 3: note so this is something that we would never wish

607
00:29:18,960 --> 00:29:23,040
Speaker 3: on anybody, but unfortunately is really common for a partner

608
00:29:23,120 --> 00:29:27,000
Speaker 3: to not be faithful to you. How could we potentially

609
00:29:27,120 --> 00:29:29,800
Speaker 3: have our eyes a little bit wider to make sure

610
00:29:29,840 --> 00:29:32,640
Speaker 3: that we don't miss those signs, because, as you said,

611
00:29:33,120 --> 00:29:35,080
Speaker 3: you put your head in the sand about it, and

612
00:29:35,160 --> 00:29:36,960
Speaker 3: I know a lot of people do, right, And I

613
00:29:36,960 --> 00:29:39,680
Speaker 3: think that there's a misconception that the second you find

614
00:29:39,680 --> 00:29:41,960
Speaker 3: out your partner has cheated, you need to leave immediately.

615
00:29:42,000 --> 00:29:45,440
Speaker 3: But that doesn't work for everybody, and it's not necessarily

616
00:29:45,480 --> 00:29:49,400
Speaker 3: the right thing for each relationship. So even saying, oh

617
00:29:49,440 --> 00:29:52,560
Speaker 3: my god, I would leave immediately is just not helpful.

618
00:29:52,160 --> 00:29:54,040
Speaker 2: Because you're not in this situation you don't know you

619
00:29:54,400 --> 00:29:54,760
Speaker 2: and you.

620
00:29:54,760 --> 00:29:56,720
Speaker 3: Also don't know how that works, and just saying well,

621
00:29:56,760 --> 00:29:59,720
Speaker 3: I would leave immediately, like that's not constructive and pretty

622
00:29:59,800 --> 00:30:03,960
Speaker 3: entire really, yeah, exactly. So as someone who has been there,

623
00:30:04,040 --> 00:30:06,560
Speaker 3: how can we be more self aware? Like how can

624
00:30:07,000 --> 00:30:10,320
Speaker 3: we learn from what you've been through so that hopefully

625
00:30:10,480 --> 00:30:11,920
Speaker 3: we aren't in that situation.

626
00:30:12,680 --> 00:30:14,640
Speaker 4: The first one I'd say is, don't be too hard

627
00:30:14,640 --> 00:30:16,840
Speaker 4: on yourself if you don't notice it, because some of

628
00:30:16,840 --> 00:30:21,239
Speaker 4: them are really good at hiding and being deceiving and

629
00:30:21,440 --> 00:30:24,080
Speaker 4: just you know, love bombing you so you'll never see

630
00:30:24,120 --> 00:30:27,480
Speaker 4: the signs. Mine was a bit slower and thicker, so

631
00:30:28,200 --> 00:30:31,040
Speaker 4: I could see the signs. I just chose to ignore them.

632
00:30:31,480 --> 00:30:34,880
Speaker 4: I also believe in gut instinct. As females, we've really

633
00:30:34,880 --> 00:30:38,480
Speaker 4: got to listen to our gut instinct. I'm quite spiritual

634
00:30:39,080 --> 00:30:41,840
Speaker 4: in that sense, Like I sit down, I meditate every morning,

635
00:30:42,200 --> 00:30:44,680
Speaker 4: and I just listen to the signs and what gets

636
00:30:44,720 --> 00:30:48,480
Speaker 4: told to me during my meditation. So I absolutely believe

637
00:30:48,640 --> 00:30:54,000
Speaker 4: just in your gut, you know what's happening. Yeah, you know,

638
00:30:54,040 --> 00:30:56,720
Speaker 4: if something doesn't feel right, it's probably not right. If

639
00:30:56,760 --> 00:30:59,400
Speaker 4: you've gained something and it doesn't make sense. It's probably

640
00:30:59,440 --> 00:31:02,320
Speaker 4: a lie, you know, and just things like flipping the

641
00:31:02,360 --> 00:31:05,160
Speaker 4: phone down, going into the bathroom for aig, it's being

642
00:31:05,160 --> 00:31:08,840
Speaker 4: really kag you around their computer and their phone, you know,

643
00:31:09,040 --> 00:31:12,840
Speaker 4: the whole gas fighting. I know in that situation you

644
00:31:12,880 --> 00:31:15,480
Speaker 4: can be so bitten down that you don't realize you're

645
00:31:15,480 --> 00:31:20,000
Speaker 4: being gas fighters. So I really think it's a gut interstinct,

646
00:31:20,040 --> 00:31:21,680
Speaker 4: and it was a gut instinct for me, but I

647
00:31:21,760 --> 00:31:22,800
Speaker 4: just truce to ignore it.

648
00:31:23,360 --> 00:31:26,200
Speaker 3: Yeah, but ignoring it obviously didn't serve you. But at

649
00:31:26,200 --> 00:31:28,800
Speaker 3: the same time, I think we face the things we

650
00:31:28,880 --> 00:31:30,760
Speaker 3: need to face when we need to face them, and

651
00:31:30,840 --> 00:31:33,720
Speaker 3: not any earlier. It's kind of like financial literacy, Like

652
00:31:33,760 --> 00:31:35,520
Speaker 3: you could have told me all of these things when

653
00:31:35,560 --> 00:31:37,280
Speaker 3: I was twenty years older, but you weren't ready to

654
00:31:37,320 --> 00:31:39,000
Speaker 3: hear it. I wasn't ready to hear it. I didn't

655
00:31:39,040 --> 00:31:40,680
Speaker 3: want to do those things. I didn't want to say

656
00:31:40,720 --> 00:31:42,320
Speaker 3: if I didn't want to invest. And that's why I

657
00:31:42,360 --> 00:31:44,880
Speaker 3: always say, don't be harsh on past you, because they

658
00:31:44,920 --> 00:31:46,480
Speaker 3: were just doing the best that they could with the

659
00:31:46,480 --> 00:31:49,600
Speaker 3: tools and resources that they had at the time, whereas

660
00:31:49,680 --> 00:31:51,440
Speaker 3: right now you have more. But it doesn't even mean

661
00:31:51,440 --> 00:31:54,040
Speaker 3: that you would have used them historically, So I think that, yeah,

662
00:31:54,040 --> 00:31:57,040
Speaker 3: you're right, we shouldn't be harsh on ourselves for those things,

663
00:31:57,080 --> 00:31:59,280
Speaker 3: and we probably should just be kinder to ourselves in

664
00:31:59,320 --> 00:31:59,959
Speaker 3: every situation.

665
00:32:00,520 --> 00:32:02,960
Speaker 4: And I really do believe that the universal step and

666
00:32:03,120 --> 00:32:05,760
Speaker 4: go right. You've been ignoring this for too long. We're

667
00:32:05,800 --> 00:32:07,320
Speaker 4: gonna make sure you pay attention.

668
00:32:07,760 --> 00:32:10,000
Speaker 3: I always find it really interesting because my mum always

669
00:32:10,040 --> 00:32:12,880
Speaker 3: tells me like, if you want something, just ask the universe,

670
00:32:12,920 --> 00:32:15,520
Speaker 3: and the universe will deliver what exactly what you need.

671
00:32:15,560 --> 00:32:17,560
Speaker 3: And I know that that sounds really fluffy, and a

672
00:32:17,600 --> 00:32:20,000
Speaker 3: lot of people be like, oh, I don't actually believe

673
00:32:20,040 --> 00:32:22,400
Speaker 3: in that, Like you can't manifest things, and I'm like cool.

674
00:32:22,520 --> 00:32:24,560
Speaker 3: But also if it's at front of mind for you

675
00:32:24,640 --> 00:32:27,480
Speaker 3: and you're articulating these things, they are more likely to happen.

676
00:32:27,640 --> 00:32:30,120
Speaker 3: So whether you believe in it or not, just actually

677
00:32:30,160 --> 00:32:33,360
Speaker 3: looking for signs and finding affirmation in the things that

678
00:32:33,400 --> 00:32:36,400
Speaker 3: are in your world can actually help guide you to

679
00:32:36,440 --> 00:32:39,880
Speaker 3: the right decision, whether you believe in quote the universe.

680
00:32:39,560 --> 00:32:41,480
Speaker 4: Or not or not. Yeah.

681
00:32:41,520 --> 00:32:43,560
Speaker 3: Yeah, So I just think that that's a really powerful

682
00:32:43,560 --> 00:32:45,640
Speaker 3: thing as well, and just trusting your gut. I feel

683
00:32:45,640 --> 00:32:47,840
Speaker 3: like I've learned a lot about that and pray that

684
00:32:47,880 --> 00:32:50,840
Speaker 3: I'm never in a situation like that. But yeah, the

685
00:32:50,920 --> 00:32:54,320
Speaker 3: idea that someone managed to hide an entire girlfriend for

686
00:32:54,440 --> 00:32:56,640
Speaker 3: four years, that's wild, terrifying.

687
00:32:56,960 --> 00:32:59,120
Speaker 4: Yeah, you can definitely bounce back some stuff like this,

688
00:32:59,480 --> 00:33:01,960
Speaker 4: and I really do believe that lessons are to be

689
00:33:02,080 --> 00:33:04,760
Speaker 4: learned from it. As hard as they are, you definitely

690
00:33:04,760 --> 00:33:06,240
Speaker 4: come out there on the other side.

691
00:33:07,360 --> 00:33:07,840
Speaker 3: Oh my god.

692
00:33:07,880 --> 00:33:11,400
Speaker 2: I just feel so proud of everything you've been through

693
00:33:11,440 --> 00:33:13,320
Speaker 2: and like how you've come through and.

694
00:33:13,320 --> 00:33:15,600
Speaker 3: Your attitude and just the fact that you're like, no,

695
00:33:15,720 --> 00:33:17,560
Speaker 3: like the universe was trying to tell me something and

696
00:33:17,600 --> 00:33:19,600
Speaker 3: I wasn't listening, and you've kind of taken it in

697
00:33:19,640 --> 00:33:23,400
Speaker 3: your stride. You're really cool. We're our best friends, right.

698
00:33:24,760 --> 00:33:26,120
Speaker 4: If you knew how nerdy I was.

699
00:33:26,760 --> 00:33:29,719
Speaker 3: I'm sorry what you're talking to a financial advisor? Like,

700
00:33:30,320 --> 00:33:32,240
Speaker 3: I think that we're two peas in a pod, my.

701
00:33:32,320 --> 00:33:35,320
Speaker 2: Friend, But the fact that you came back from someone

702
00:33:35,400 --> 00:33:39,320
Speaker 2: controlling your finances and were able to be like, you

703
00:33:39,360 --> 00:33:41,239
Speaker 2: know what, I'm actually just going to take control of

704
00:33:41,240 --> 00:33:42,920
Speaker 2: this myself. And now look at you.

705
00:33:42,920 --> 00:33:43,760
Speaker 3: You've got three.

706
00:33:43,560 --> 00:33:46,000
Speaker 2: Houses, about to buy another one, You're going to retire

707
00:33:46,040 --> 00:33:48,800
Speaker 2: by the time you're fifty, you've got an amazing job.

708
00:33:48,880 --> 00:33:49,960
Speaker 2: You've got this side.

709
00:33:49,760 --> 00:33:52,680
Speaker 3: Hustle going like this is so exciting.

710
00:33:52,160 --> 00:33:55,680
Speaker 2: Exactly, and it's just it feels really special that we're

711
00:33:55,720 --> 00:33:57,640
Speaker 2: a part of it, that you're sharing your story with us.

712
00:33:57,640 --> 00:33:59,480
Speaker 2: So thank you so much for your time.

713
00:34:00,080 --> 00:34:02,600
Speaker 3: No thank you, And just before we head off, we'd

714
00:34:02,680 --> 00:34:05,960
Speaker 3: like to acknowledge and pay respect to Australia's Aboriginal and

715
00:34:06,040 --> 00:34:10,240
Speaker 3: torrest Rate islander peoples. They're the traditional custodians of the lands,

716
00:34:10,280 --> 00:34:14,000
Speaker 3: the waterways and the skies all across Australia. Thank you

717
00:34:14,040 --> 00:34:16,200
Speaker 3: for caring and for sharing the land on which we

718
00:34:16,360 --> 00:34:19,160
Speaker 3: are able to learn. We pay our respects to elders

719
00:34:19,160 --> 00:34:22,600
Speaker 3: past and present, and we share our friendship and our kindness.

720
00:34:22,960 --> 00:34:25,440
Speaker 2: The advice shared on She's on the Money is generally

721
00:34:25,560 --> 00:34:29,120
Speaker 2: nature and does not consider your individual circumstances. She's on

722
00:34:29,160 --> 00:34:32,200
Speaker 2: the Money exists purely for educational purposes and should not

723
00:34:32,200 --> 00:34:35,040
Speaker 2: be relied upon to make an investment or financial decision.

724
00:34:35,440 --> 00:34:38,839
Speaker 2: And we promise that Victoria Divine is an authorized representative

725
00:34:38,880 --> 00:34:43,000
Speaker 2: of Australia Pacific Funds Management Proprietary Limited ABN three four

726
00:34:43,040 --> 00:34:46,200
Speaker 2: one three two four six three two five seven, AFSL

727
00:34:46,280 --> 00:34:48,080
Speaker 2: three three nine one five one.

728
00:34:48,400 --> 00:34:49,640
Speaker 3: We'll see next week, guys,