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

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Speaker 2: lets you be pervy about other people's money habits for

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Speaker 2: educational purposes, of course. Welcome back to another episode of

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Speaker 2: Money Dies, where we get to talk to one of

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Speaker 2: our incredible She's on the Money community members all about

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Speaker 2: their journey. Let's jump straight into it because we got

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Speaker 2: a message this week and it sounded exactly like this, Dear,

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Speaker 2: She's on the Money. I went to UNI to study

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Speaker 2: property economics with the big dreams of working in property

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Speaker 2: development and having my own portfolio despite graduating top of

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Speaker 2: my class, life had other plans for me. An operation

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Speaker 2: on my foot, three babies, COVID and reoccurring cancer meant

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Speaker 2: I've never had the chance to use my degree, and

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Speaker 2: the jobs I've held have never felt secure. Now I'm

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Speaker 2: feeling stuck. I want to start a new career, but

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Speaker 2: I know how hard that can be when you can

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Speaker 2: only work part time. But with everything I've been through,

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Speaker 2: the one thing I've learned is that you never know

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Speaker 2: what's around the corner, and sometimes taking life day by

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Speaker 2: day is more than okay. Money Diarist, Welcome to the show.

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Speaker 2: I am genuinely so excited to learn a little bit

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Speaker 2: more about your money story. As always, I kick off

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Speaker 2: the show asking all of our money dirist, it's the

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Speaker 2: exact same question, So let's start there, money tourist, if

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Speaker 2: I asked you to give yourself a money grade from

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Speaker 2: A three to F, what would you give yourself?

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Speaker 4: Probably currently I reckon somewhere in the middle for like

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Speaker 4: a C. I reckon I've gone up and down on

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Speaker 4: that at times.

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Speaker 2: Though, let's learn a little bit more about that. I'm

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Speaker 2: not going to ask specifically about it yet because we'll

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Speaker 2: go into that can you tell me a little bit

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Speaker 2: more about your money story.

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Speaker 4: So essentially, I probably gosh, ten or so years ago,

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Speaker 4: studied a Bachelor of Business Property I hope to get

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Speaker 4: into property development. At the time, I did quite well

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Speaker 4: at UNIQ, got highest GPI my course, got a medal

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Speaker 4: for that. Ooh, was you all looking pretty awesome? And

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Speaker 4: I ended up starting to work in a credit union,

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Speaker 4: which definitely wasn't for me.

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Speaker 5: It wasn't my vibe.

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Speaker 4: So I went back to the retail job I had

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Speaker 4: during UNI, and then I started interviewing through a few

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Speaker 4: property evaluation jobs and found out I needed a bone

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Speaker 4: removed from my foot what which stopped me working for

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Speaker 4: six months essentially, and then even after that I had

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Speaker 4: to ease back.

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Speaker 5: I couldn't stand full time on my feet.

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Speaker 2: How do you discover? Ah, hey, money, darrist we would

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Speaker 2: like to take a whole bone from your foot. She like,

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Speaker 2: was your foot soul? Like?

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Speaker 5: What was it was an extra one?

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Speaker 1: Like?

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Speaker 2: Yeah, you just had it? Did you have bonus bone?

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Speaker 5: Yeah? Pretty much?

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Speaker 4: Yeah, I said it was generally feel like a bonus.

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Speaker 4: It would stop me walking properly.

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Speaker 5: So I had that out. So I've been I probably

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Speaker 5: should say as well.

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Speaker 4: I've been with my husband since we were probably like fourteen,

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Speaker 4: So through all of this time, he also went to

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Speaker 4: UNI and also got a job out of UNI, so

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Speaker 4: he was working through all this stuff for me and

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Speaker 4: I also did come into a bit of inheritance, so

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Speaker 4: we were able to once I had gone back a

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Speaker 4: little bit into my retail job. Actually know I'm saying

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Speaker 4: that I reckon. We bought a house before I had

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Speaker 4: that surgery, so yeah, we use some of that inheritance,

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Speaker 4: mostly his job.

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Speaker 5: We always spent.

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Speaker 4: About two hundred and eighty two thousand, so in today's market,

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Speaker 4: quite a quite a cheap house just of entered the market.

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Speaker 4: So that was a big win for us. At that point,

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Speaker 4: we were pretty stoked. We were very good savers, very

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Speaker 4: I don't like to this the word stitchy, but yeah,

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Speaker 4: like we yeah, we're pretty stingy. We just lived within

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Speaker 4: our means and we were pretty good savers back then.

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Speaker 2: We called that frugal. We call that savvy. We can

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Speaker 2: reframe that.

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Speaker 5: Yeah, savvy, that's the right way. Yes, Yeah, yeah, she's savvy.

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Speaker 2: She's smart with her money, she's strategic.

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Speaker 4: Yes, yes, And having studied property like I was all

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Speaker 4: over it and knew exactly what to look for, so

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Speaker 4: that helped us for sure. And then I actually found

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Speaker 4: out while I was still kind of recovering from that

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Speaker 4: foot surgery that I was pregnant, which very exciting.

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Speaker 2: That is very exciting. Not so good with us are

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Speaker 2: foot because like it's already not a comfortable experience.

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Speaker 5: Well, I mean it wasn't too bad.

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Speaker 4: I was starting to get back into it, but it

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Speaker 4: did just mean I couldn't work full time, so I

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Speaker 4: wasn't eligible for paper rental eve, I hadn't been able

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Speaker 4: to get back into working, so in the end, yeah,

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Speaker 4: I just had to work my few hours a week

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Speaker 4: and try and save enough money to have a baby

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Speaker 4: without any pay per rental leave. And then obviously going

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Speaker 4: into that knowing I didn't really have a good job

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Speaker 4: or a career set up with now the challenges of

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Speaker 4: parenting and motherhood and the fact that it would make

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Speaker 4: it quite difficult to get into full time work, especially

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Speaker 4: within the property sector.

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Speaker 5: I'm in South.

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Speaker 4: Australia, not as many options as say the East Coast,

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Speaker 4: for example, so that also limited it, but especially with

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Speaker 4: part time work, so I would either need to kind

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Speaker 4: of be in full time and put my daughter in

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Speaker 4: care full time, which wasn't something I really felt was

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Speaker 4: right for me. So I ended up getting just a

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Speaker 4: sales job when she was about ten months old, and

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Speaker 4: at that point, like I was selling wedding gowns. So

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Speaker 4: it was good, it was fun, it wasn't I kind

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Speaker 4: of liked that there wasn't too much sort of pressure

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Speaker 4: and I could go home and be mum and then

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Speaker 4: bring in a little bit of extra money. But at

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Speaker 4: that point then COVID hit, and I also was pregnant

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Speaker 4: with my second daughter, and she was a much rougher pregnancy,

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Speaker 4: but also the bridal store I ended up closing down

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Speaker 4: just after COVID hit. Oh no, yeah, they were about

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Speaker 4: to sell the business anyway, and then obviously when everything

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Speaker 4: turned they ended up just closing. So luckily it was

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Speaker 4: around the time I was going on maternity leave anyway,

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Speaker 4: but I knew I wasn't going back to a job,

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Speaker 4: but I was able to get paid parentally for that time,

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Speaker 4: so we were in a much better kind of standing

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Speaker 4: that time around good.

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Speaker 2: I was like, did you get the parental leave this time? Like,

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Speaker 2: please tell me that you did.

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Speaker 5: It makes such a difference because I.

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Speaker 2: Know for some people who are like, oh, like it's

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Speaker 2: minimum wage, it doesn't matter, but like, like it's the

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Speaker 2: thing that takes the weight off your shoulders, like you

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Speaker 2: just don't feel like your hamstrongly in higher time, Like

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Speaker 2: it is so powerful.

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Speaker 4: Yeah, And we were able to save half of that

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Speaker 4: so that we could kind of extend it out because

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Speaker 4: we were able to kind of get by on my

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Speaker 4: husband's wage. His wage is pretty decent he as an engineer,

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Speaker 4: but it did just mean we could put a bit

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Speaker 4: aside as well to extend the time I had off.

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Speaker 4: It was sort of after that point that everything kind

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Speaker 4: of as much as it already kind of felt a

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Speaker 4: little bit crazy, it went even more so. So I

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Speaker 4: ended up being diagnosed with cancer.

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Speaker 5: When my daughter was probably just over a year old,

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Speaker 5: I think at that point.

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Speaker 4: So I think I just actually had a big interview

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Speaker 4: at a job i'd really hoped to get. It was

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Speaker 4: full time, but it was really at that point I

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Speaker 4: resided that's the only way I was going to get

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Speaker 4: into property. And I got pretty closely and I had

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Speaker 4: a fair few interviews and I unfortunately did miss out.

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Speaker 4: But blow and behold, I think the next day I

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Speaker 4: got the call to say that we need to take

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Speaker 4: this out.

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Speaker 5: It looks like it probably is cancer.

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Speaker 4: And if I had gotten that job, I wouldn't have

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Speaker 4: been able to do it anyway, So I suppose it

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Speaker 4: kind of.

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Speaker 2: The universe had a way of just like making it

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Speaker 2: not feel like you missed out and had to say

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Speaker 2: no because of that. But like that is just so trash.

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Speaker 2: So you had two kids, one was one and what

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Speaker 2: one was three? Is that right? Yes, that's right, just

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Speaker 2: like doing some mental maths and going, okay, well she

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Speaker 2: said you baby here and then she did this, and

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Speaker 2: then she.

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Speaker 5: Did the Yeah, I know there's a two years between them.

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Speaker 2: Yet, but like one in a three year old and

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Speaker 2: you get diagnosed with cancer, that is shit. I am

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Speaker 2: so sorry. Tell me a bit more about that journey.

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Speaker 4: So it was a relatively kind of simple, like I

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Speaker 4: just had to have surgery.

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Speaker 5: They removed it so it was actually in my neck.

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Speaker 4: It's quite a rare form in my salary gland, so

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Speaker 4: there's not in a like a double edged sword. There

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Speaker 4: was no like keybo doesn't work on it. So there

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Speaker 4: was limited treatment options. So in a way that was good,

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Speaker 4: but also it meant really all they could do was surgery,

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Speaker 4: So I just had surgery healed. My next few scams

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Speaker 4: over the following months came back all fine, so they

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Speaker 4: kind of gave me to go ahead when.

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Speaker 5: I said, oh, would it be okay?

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Speaker 4: Do you think if I had another baby and They're like, yeah, no,

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Speaker 4: everything's looking good.

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Speaker 5: You're set. That's fine.

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Speaker 4: I mean, I always knew there was a possibility it

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Speaker 4: would come back, but I think we all felt pretty positive.

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Speaker 5: It was small. They've got it early, so I did, probably.

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Speaker 4: Before I got pregnant. I did get a new job

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Speaker 4: working at a car dealership and again through COVID. That

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Speaker 4: was a fun time when cars were like eighteen month waits.

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Speaker 2: Yeah, you're like, I'm here to sell cars, but I

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Speaker 2: have no cars to sell. Hello, welcome, Would you like

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Speaker 2: a coffee?

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Speaker 4: It was I got the fun job of like updating

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Speaker 4: everyone and telling everyone that they would have to wait

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Speaker 4: another few months, and they were delayed even more so

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Speaker 4: it was quite stressful. But it was also the time

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Speaker 4: we were wearing masks a lot, right, so I started

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Speaker 4: having some symptoms twitching in my mouth. Luckily no one

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Speaker 4: could see me because I would have looked like a

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Speaker 4: complete lunatic. But we then went to kind of investigate

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Speaker 4: what was causing that. They thought it could have just

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Speaker 4: been a side effect from the surgery, but unfortunately, well,

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Speaker 4: they did just scan actually when I was pregnant with

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Speaker 4: my third child, and it looked okay, but I did

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Speaker 4: request they do it again once he was born, because

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Speaker 4: I couldn't do the contrast and die while pregnant. So

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Speaker 4: I had sort of gone on maternity leave at that point,

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Speaker 4: so I was intending to go back to this job.

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Speaker 4: And then we found out when he was probably two

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Speaker 4: months old and I had that scan done again, that

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Speaker 4: it was back, and so this time I had to

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Speaker 4: have surgery again and then also radiation treatment, but it

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Speaker 4: was quite a substantial one of the biggest thing. I

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Speaker 4: went for seven weeks every day to have radiation and

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Speaker 4: she couldn't really eat.

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Speaker 5: It affects your energy and things, so.

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Speaker 2: That kind of yeah, and you've got three babies, Like,

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Speaker 2: you've got three little kids at home, which is exhausting

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Speaker 2: in itself, Like you're probably stressed out of your brain

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Speaker 2: because you're thinking, what the hell am I going to do?

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Speaker 2: Like that all adds to oh my goodness, Like I

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Speaker 2: just want to scoop you up and be like what

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Speaker 2: can I do? How many Lasagnas. Do you need I know, well, I.

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Speaker 5: Mean it goes on.

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Speaker 4: Yeah, we really got a bit too used to it,

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Speaker 4: like it's so normal to me now and in a

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Speaker 4: terrible way.

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Speaker 5: But I suppose also I'm at peace with it in

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Speaker 5: a way.

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Speaker 4: But yeah, So my boss called me, I think like

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Speaker 4: just around I'd got started treatment and wanted to work

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Speaker 4: out when I might want to come back.

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Speaker 5: And I did say to him, look, we've just found

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Speaker 5: this out. I've got to have treatment.

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Speaker 4: He said, no worries, Like course back when you're all

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Speaker 4: sorted and you're ready kind of to.

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Speaker 5: Yeah, get back to work.

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Speaker 4: So I waited a few months, waited to treatment was

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Speaker 4: over and I'd regained a bit of energy and called

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Speaker 4: them and he decided that there was a downturn in

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Speaker 4: trade and that I would be terminated. And because I

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Speaker 4: was casual it, Yeah, it wasn't a lot I could

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Speaker 4: could do about it. And even if I could, I

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Speaker 4: think it wasn't worth the wasn't worth the energy. I

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Speaker 4: didn't have much energy at that point.

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Speaker 2: I don't want to work for someone who does that.

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Speaker 2: I'm so sorry, but like, if this ever happened to

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Speaker 2: someone in my team, like and I'm a small business,

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Speaker 2: I would be bending over backwards. Like and the fact

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Speaker 2: that you called and said, hey, I feel like I'm

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Speaker 2: ready to return to work, Like you just know that

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Speaker 2: people in that situation you would have been going above

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Speaker 2: and beyond because like you're just so excited to get

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Speaker 2: back into work. You're like probably so ready, like it's

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Speaker 2: just something that you need. And for him to do that,

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Speaker 2: no trash human. We don't want to associate with that.

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Speaker 4: Yeah, essentially kind of I was like, Yeah, I really

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Speaker 4: don't want to go back into that kind of vibe anyways,

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Speaker 4: So let.

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Speaker 5: That kind of go.

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Speaker 4: We at that point, I probably need to go backwards

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Speaker 4: a little bit. So while I was working while I

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Speaker 4: was pregnant, we did also buy a second house, so

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Speaker 4: we moved to a bigger house. So we essentially we

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Speaker 4: are amazing broker, A really good friend of ours was

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Speaker 4: able to manage to get everything to work so that

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Speaker 4: we could keep our previous house. We refinanced and turn

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Speaker 4: that into an investment. Rented that out, which was awesome,

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Speaker 4: didn't turn out to be very awesome. We had terrible

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Speaker 4: tenants and a terrible property manager, and it was just

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Speaker 4: a nightmare.

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Speaker 2: That's being kicked while you're down, You're like, I'm going

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Speaker 2: through a lot right now. I do not need this.

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Speaker 4: Yes, we do have a bit of a running joke

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Speaker 4: that there's gonna be some kind of curse because it

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Speaker 4: would always just come all at once, like yeah, that's crazy.

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Speaker 4: But yeah, to the point, like even the property managers

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Speaker 4: admitted they'd done such a terrible job. They did refund

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Speaker 4: us ten weeks of our property management fees, so that

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Speaker 4: was kind of great, but also like they didn't do

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Speaker 4: inspections for like the first six months I think, and

295
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Speaker 4: it was Yeah, we had the tenants were terrible when

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Speaker 4: we got the house back, so we did go on

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Speaker 4: to sell it one year after when I lost my job.

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Speaker 5: We did.

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Speaker 4: Interest rates had gone up by that point quite significantly.

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Speaker 4: We were just having a third child, and as much

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Speaker 4: as you know, we're pretty grateful from our husband's income,

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Speaker 4: it certainly wasn't enough.

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Speaker 2: Yeah, even with just like the stress, no, thank you,

304
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Speaker 2: like let's dispose of this and just take a lot of.

305
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Speaker 4: The pressure exactly, and especially with like added medical expenses

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Speaker 4: and things like that, we were just like, no, it's

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Speaker 4: too much. And because we were having such a nightmare

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Speaker 4: with the tenants and them not paying rent and things

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Speaker 4: like that. We decided we just couldn't. Yeah, even if

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Speaker 4: we could make it work financially, we.

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Speaker 2: Don't want to. We don't want to.

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Speaker 4: Yeah, So we sold it, which was a journey in

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Speaker 4: its own, but at least eventually we did so.

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Speaker 5: And luckily it was after the market had sent to

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Speaker 5: take off, so we got after we refinanced.

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Speaker 4: As I said, we bought it for two hundred and

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Speaker 4: a two thousand, and I think we sold in the

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Speaker 4: end for.

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Speaker 5: I reckon it was six fifty.

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Speaker 2: Okay, that's pretty okay, but.

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Speaker 4: We had refinanced for about four eighty, so I think

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Speaker 4: after all the fees and stuff, we ended up with

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Speaker 4: like around two hundred thousand dollars back in our pocket.

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Speaker 4: And I thought, oh my gosh, that's amazing. That takes

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Speaker 4: a load off. That will kind of give us a buffer.

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Speaker 4: I then found out I'd be having well essentially it

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Speaker 4: said it's been anotherst of four or five surgeries since then,

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Speaker 4: so we were like, I won't go back to work.

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Speaker 5: We'll just kind of have that as a buffer. And yeah.

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Speaker 4: So unfortunately though, and as cost of living obviously hit,

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Speaker 4: I kind of kept turning a bit of a blind

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Speaker 4: high to it, and that money unfortunately got chewed.

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Speaker 5: Off a lot quicker than I would get to a bit.

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Speaker 4: So I definitely to regret not going back and probably

335
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Speaker 4: making a few changes earlier on to save us a

336
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Speaker 4: bit of money, because yeah, we did go out and

337
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Speaker 4: buying your car without a loan, like that's always been

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Speaker 4: important to us.

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Speaker 5: We never wanted a loan for a car. That was

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Speaker 5: just sort of one of our values. We did that.

341
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Speaker 4: We renovated a kitchen, which took a chunk of it out,

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Speaker 4: We had to pay off a heck's dead, a few

343
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Speaker 4: things like that, So it did get chewed up pretty

344
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Speaker 4: quickly by a few bigger things as well. Like it's

345
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Speaker 4: amazing how quickly money can diminish.

346
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Speaker 2: Yeah, and it feels like it just like falls through fingers.

347
00:15:16,600 --> 00:15:18,440
Speaker 2: You're like, hold on, hold on, that was two hundred

348
00:15:18,440 --> 00:15:21,440
Speaker 2: thousand dollars. How on earth did that get lost? And

349
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Speaker 2: then all of a sudden you're like, hold on, you

350
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Speaker 2: do the maths and then unfortunately the math checks out

351
00:15:26,400 --> 00:15:29,320
Speaker 2: and you're like, oh that's how like, oh.

352
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Speaker 4: Yes, unfortunately I only decided to do the maths on

353
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Speaker 4: sort of how much like obviously I kind of knew

354
00:15:33,760 --> 00:15:35,280
Speaker 4: cost of living was growing up in that sort of

355
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Speaker 4: probably about a year there where I kind of just

356
00:15:37,440 --> 00:15:40,240
Speaker 4: let our finances go, just ignored it, let the bills

357
00:15:40,280 --> 00:15:43,120
Speaker 4: go up, like without really you know, checking on whether

358
00:15:43,480 --> 00:15:45,600
Speaker 4: we could be getting cheaper insurance or whether we were

359
00:15:45,600 --> 00:15:48,800
Speaker 4: having the best price for all our bills. Really we

360
00:15:48,960 --> 00:15:50,480
Speaker 4: wanted to get sold, but I put it off for

361
00:15:50,480 --> 00:15:53,200
Speaker 4: a year and I regret that immensely because we finally

362
00:15:53,280 --> 00:15:56,400
Speaker 4: got it and we were paying. I think our predicted

363
00:15:56,680 --> 00:15:59,840
Speaker 4: last quarterly bill was eighteen hundred dollars for the three months,

364
00:16:00,040 --> 00:16:03,000
Speaker 4: and now it's looking like it'll be about three or

365
00:16:03,000 --> 00:16:05,480
Speaker 4: four hundred dollars for this quarter. Now we've got solar,

366
00:16:05,600 --> 00:16:07,960
Speaker 4: so it's massive difference. So they're the sort of things

367
00:16:07,960 --> 00:16:09,880
Speaker 4: like I do kick myself for not doing earlier.

368
00:16:10,000 --> 00:16:12,480
Speaker 2: You can't crucify yourself for not knowing.

369
00:16:12,440 --> 00:16:14,720
Speaker 5: Exactly yes, so.

370
00:16:14,000 --> 00:16:16,640
Speaker 2: It's wasted energy, and like we don't have time for that.

371
00:16:16,720 --> 00:16:19,440
Speaker 2: So tell me how are you now? Because that's a

372
00:16:19,480 --> 00:16:21,640
Speaker 2: lot Like you got to the part where you know

373
00:16:21,960 --> 00:16:25,080
Speaker 2: the cancer was back, your third baby was two months old.

374
00:16:25,800 --> 00:16:31,960
Speaker 4: What happened so so far cancer wise, it's been clear.

375
00:16:32,400 --> 00:16:34,240
Speaker 4: I'll have my next lot of scancer check ups. So

376
00:16:34,280 --> 00:16:36,920
Speaker 4: they say I'm the most checked patient at the hospital

377
00:16:36,960 --> 00:16:39,480
Speaker 4: in their department, And I don't know if that's a compliment.

378
00:16:39,120 --> 00:16:41,240
Speaker 2: Or I don't know how i'd take that either.

379
00:16:41,200 --> 00:16:44,960
Speaker 4: Neither way, It's good that they wanted to be pretty closely.

380
00:16:45,080 --> 00:16:48,640
Speaker 4: So so far, so good in that regard. Just stealing

381
00:16:48,640 --> 00:16:52,960
Speaker 4: with side effects still from treatment. I also am a

382
00:16:52,960 --> 00:16:56,400
Speaker 4: Bracker one carrier, so the breast cancer bearing cancer gene.

383
00:16:56,600 --> 00:16:56,800
Speaker 5: Yeah.

384
00:16:56,880 --> 00:17:00,640
Speaker 4: So the other surgeries I've had were four a bilateral

385
00:17:00,680 --> 00:17:04,240
Speaker 4: preventative mistiketo me essentially, So there were complications with the

386
00:17:04,280 --> 00:17:04,800
Speaker 4: first one.

387
00:17:05,080 --> 00:17:07,640
Speaker 2: No, that is not what you deserve, like to make

388
00:17:07,680 --> 00:17:09,760
Speaker 2: that decision to be like, all right, well, I'm going

389
00:17:09,840 --> 00:17:11,200
Speaker 2: to be here for my family. I'm going to be

390
00:17:11,240 --> 00:17:13,280
Speaker 2: here for my kids. I'm going to have this very

391
00:17:13,480 --> 00:17:16,760
Speaker 2: life changing surgery that is preventative. And then they messed

392
00:17:16,760 --> 00:17:18,439
Speaker 2: that up. Are you kidding? That is rude?

393
00:17:18,680 --> 00:17:20,239
Speaker 5: Right, So I had to go and do it all

394
00:17:20,320 --> 00:17:20,800
Speaker 5: over again.

395
00:17:20,920 --> 00:17:24,040
Speaker 4: They had to reput these expanders that were called in

396
00:17:24,440 --> 00:17:28,680
Speaker 4: and about seven weeks ago I had the actual Finally,

397
00:17:29,240 --> 00:17:33,159
Speaker 4: almost year later, had the expanders replaced for the implants.

398
00:17:33,160 --> 00:17:36,080
Speaker 4: So hopefully most of that surgery now out of the way,

399
00:17:36,400 --> 00:17:38,960
Speaker 4: and then just last week I had the other preventative

400
00:17:38,960 --> 00:17:42,520
Speaker 4: surgery for the Brakawe gene, which is a radical hysterectomy.

401
00:17:42,640 --> 00:17:44,760
Speaker 5: So yeah, that one was from with me. It was

402
00:17:44,800 --> 00:17:46,879
Speaker 5: like a week notice, so that one was a lot

403
00:17:46,920 --> 00:17:47,879
Speaker 5: more to come to terms with.

404
00:17:48,240 --> 00:17:49,960
Speaker 2: Why was it sprung on you? Was it just like

405
00:17:50,040 --> 00:17:51,800
Speaker 2: the public system or like, by the way, we've got

406
00:17:51,800 --> 00:17:54,159
Speaker 2: a spot or that. Yeah, okay, sort of.

407
00:17:54,320 --> 00:17:57,560
Speaker 4: So I did sign the paperwork like two years ago

408
00:17:57,800 --> 00:18:00,640
Speaker 4: to consent to the surgery, but it was all decided

409
00:18:00,880 --> 00:18:03,040
Speaker 4: hormone wise and everything. It's best to do the other

410
00:18:03,080 --> 00:18:05,600
Speaker 4: surgeries first, so it was kind of put off. And

411
00:18:05,640 --> 00:18:08,560
Speaker 4: then it actually changed apartments within the hospital, so it

412
00:18:08,560 --> 00:18:10,199
Speaker 4: was a bit of a crazy kind of thing and

413
00:18:10,200 --> 00:18:12,359
Speaker 4: they could get me in sooner. We discussed the end

414
00:18:12,400 --> 00:18:14,440
Speaker 4: of May, but when they called, they said, no, there's

415
00:18:14,480 --> 00:18:16,960
Speaker 4: theater closures. Then when it's called in flu season, we

416
00:18:17,040 --> 00:18:20,560
Speaker 4: put things on hold. So it's either now or probably

417
00:18:20,560 --> 00:18:21,160
Speaker 4: the end of the year.

418
00:18:21,200 --> 00:18:25,160
Speaker 2: You're all, well, let's go, they say, my first radio Yeah, because.

419
00:18:24,880 --> 00:18:27,080
Speaker 4: In a monthst all that I actually taught the end

420
00:18:27,080 --> 00:18:29,080
Speaker 4: of last year was like right, like, we really need

421
00:18:29,080 --> 00:18:31,600
Speaker 4: some more income here with chewing through that savings and

422
00:18:31,680 --> 00:18:34,880
Speaker 4: I applied for a temporary job for the election doing

423
00:18:34,920 --> 00:18:36,440
Speaker 4: some admin assistant work.

424
00:18:36,200 --> 00:18:37,480
Speaker 5: And I got that.

425
00:18:37,600 --> 00:18:39,920
Speaker 4: So I started that earlier this year, which was awesome,

426
00:18:40,080 --> 00:18:42,399
Speaker 4: and then when I found out i'd be having the

427
00:18:42,440 --> 00:18:45,879
Speaker 4: first surgery, I thought, well, it'll probably be like in

428
00:18:45,920 --> 00:18:48,200
Speaker 4: line with the election and I'll probably be finished.

429
00:18:48,200 --> 00:18:49,680
Speaker 5: But they were really they were amazing.

430
00:18:49,720 --> 00:18:51,320
Speaker 4: They said, no, just let us know when you're ready

431
00:18:51,320 --> 00:18:53,760
Speaker 4: to come back, if there's things you can do without

432
00:18:53,760 --> 00:18:55,439
Speaker 4: heavy lifting, things like that, like, we can get you

433
00:18:55,480 --> 00:18:56,240
Speaker 4: back when you're ready.

434
00:18:56,680 --> 00:18:59,359
Speaker 5: But then literally the day before I was meant.

435
00:18:59,240 --> 00:19:00,520
Speaker 4: To go back is when I I've got the phone

436
00:19:00,560 --> 00:19:02,919
Speaker 4: call to say we're going to do this next surgery

437
00:19:02,960 --> 00:19:05,080
Speaker 4: next week. So I ended up pretty well having to

438
00:19:05,119 --> 00:19:08,520
Speaker 4: quit because by the time that's the surgery recovery period's over,

439
00:19:08,880 --> 00:19:11,040
Speaker 4: obviously you've had the election now and there was a

440
00:19:11,040 --> 00:19:14,000
Speaker 4: little bit of work after it. But yes, it's pretty

441
00:19:14,080 --> 00:19:16,479
Speaker 4: much lined up with that. So unfortunately, it was an

442
00:19:16,480 --> 00:19:20,000
Speaker 4: incredible job and I was loving it and I had to, yeah,

443
00:19:20,240 --> 00:19:23,440
Speaker 4: leave that one. So the one positive though, is now

444
00:19:23,440 --> 00:19:25,399
Speaker 4: it's all out of the way, I can hopefully finally

445
00:19:26,800 --> 00:19:30,439
Speaker 4: a little bit of time and the ability now to

446
00:19:30,920 --> 00:19:33,960
Speaker 4: actually get a job and maybe actually start a career.

447
00:19:34,760 --> 00:19:37,040
Speaker 2: I just feel like that is a lot for one

448
00:19:37,119 --> 00:19:40,280
Speaker 2: person to carry. How are you, like, because that's a

449
00:19:40,320 --> 00:19:41,680
Speaker 2: lot to go through, my friend.

450
00:19:42,080 --> 00:19:45,440
Speaker 4: Yeah, No, there's been a lot, to be honest, sometimes

451
00:19:45,440 --> 00:19:47,240
Speaker 4: I think I probably just ignored this blitter.

452
00:19:47,320 --> 00:19:50,200
Speaker 5: Just ignore it associate. Probably not the best thing to do.

453
00:19:50,359 --> 00:19:55,240
Speaker 4: But no, I'm pretty good considering like I grew up.

454
00:19:55,560 --> 00:19:57,760
Speaker 4: My mum had cancer my whole childhood and past when

455
00:19:57,760 --> 00:19:59,600
Speaker 4: I was quite young as well. So as much as

456
00:19:59,640 --> 00:20:02,080
Speaker 4: that was rrible, it kind of put a lot of

457
00:20:02,080 --> 00:20:04,639
Speaker 4: things in perspective for me and to seeing her go

458
00:20:04,800 --> 00:20:08,200
Speaker 4: through it, and she was so incredibly strong and resilient.

459
00:20:08,600 --> 00:20:10,480
Speaker 4: I think that set me up to be in much

460
00:20:10,560 --> 00:20:13,560
Speaker 4: the same mindset. Really, as terrible as it is.

461
00:20:13,760 --> 00:20:16,360
Speaker 2: No, but that's also just like so nice to have

462
00:20:16,480 --> 00:20:20,280
Speaker 2: had like a positive role model in that space. And

463
00:20:20,400 --> 00:20:22,639
Speaker 2: like I'm not saying that that is good, like it

464
00:20:22,760 --> 00:20:25,159
Speaker 2: is really not. I'm so sorry your mum went through that,

465
00:20:25,320 --> 00:20:27,600
Speaker 2: but I can see how that must be really, I

466
00:20:27,600 --> 00:20:29,680
Speaker 2: guess soothing in a way to be like, okay, cool,

467
00:20:29,680 --> 00:20:31,960
Speaker 2: Like I really resonate with my mum, like she's not

468
00:20:32,040 --> 00:20:34,240
Speaker 2: around anymore, but I really feel her presence, and I

469
00:20:34,280 --> 00:20:37,040
Speaker 2: really feel like I'm guided by how she acted, and

470
00:20:37,440 --> 00:20:40,399
Speaker 2: that's kind of, in a way, morbidly beautiful.

471
00:20:41,160 --> 00:20:41,840
Speaker 5: Yeah, exactly.

472
00:20:41,920 --> 00:20:44,680
Speaker 4: Like, Yeah, a lot of the time people do ask

473
00:20:44,680 --> 00:20:46,280
Speaker 4: how I do it or how I cope, and it's

474
00:20:46,359 --> 00:20:49,439
Speaker 4: just you just do. Like it's with any challenge life

475
00:20:49,720 --> 00:20:52,000
Speaker 4: throws at you, I suppose you kind of you don't

476
00:20:52,040 --> 00:20:52,639
Speaker 4: have a choice.

477
00:20:52,680 --> 00:20:54,920
Speaker 5: You just have to find a way through it.

478
00:20:54,960 --> 00:20:57,560
Speaker 4: But I think the biggest thing has been that I've

479
00:20:57,560 --> 00:21:01,560
Speaker 4: been able to find that you're I suppose in you know,

480
00:21:01,720 --> 00:21:04,320
Speaker 4: having three kids and watching them grow as much as

481
00:21:04,320 --> 00:21:07,520
Speaker 4: it's also been incredibly difficult, especially all my husband as well,

482
00:21:07,600 --> 00:21:09,680
Speaker 4: because he's been working full.

483
00:21:09,480 --> 00:21:12,000
Speaker 5: Time, doing a lot of caring for me a.

484
00:21:11,920 --> 00:21:14,760
Speaker 4: Lot of the kids, like carry the kids and you know,

485
00:21:14,840 --> 00:21:18,000
Speaker 4: cleaning and things. So I mean through that year last

486
00:21:18,080 --> 00:21:20,040
Speaker 4: year where we had that extra money in the bank account,

487
00:21:20,240 --> 00:21:22,000
Speaker 4: we had a weekly cleaner, and they're the sort of

488
00:21:22,000 --> 00:21:24,359
Speaker 4: things that probably did you have that money, which I

489
00:21:24,400 --> 00:21:26,520
Speaker 4: don't regret because it did make take a lot of

490
00:21:26,520 --> 00:21:29,400
Speaker 4: file plates and in that time. But yeah, it's when

491
00:21:29,440 --> 00:21:31,800
Speaker 4: you go back and you kind of scan the bank

492
00:21:31,840 --> 00:21:34,000
Speaker 4: accounts and you're like, how did all this money disappear

493
00:21:34,000 --> 00:21:36,520
Speaker 4: and you go, Okay, there's all these little things that

494
00:21:36,720 --> 00:21:39,120
Speaker 4: just add up and yeah, so we've had to really

495
00:21:39,119 --> 00:21:40,560
Speaker 4: reassess that now, So.

496
00:21:41,200 --> 00:21:43,639
Speaker 2: What does life look like moving forward? Because I'm assuming

497
00:21:43,760 --> 00:21:46,439
Speaker 2: having a full by ladder all masterectomy and also a

498
00:21:46,480 --> 00:21:49,679
Speaker 2: full hysterectomy. Stuff doesn't end there. Like there would be

499
00:21:49,680 --> 00:21:52,239
Speaker 2: a lot of like hormone replacement therapy and things that

500
00:21:52,280 --> 00:21:55,520
Speaker 2: you need to go through moving forward. And I'm glad

501
00:21:55,680 --> 00:21:58,080
Speaker 2: on the like mistectomy side of things, like you've gone

502
00:21:58,119 --> 00:22:00,639
Speaker 2: through the expanders and now you've got your plans, Like

503
00:22:01,240 --> 00:22:03,400
Speaker 2: what are the next steps when it comes to your

504
00:22:03,400 --> 00:22:04,600
Speaker 2: health now, I.

505
00:22:04,520 --> 00:22:06,560
Speaker 4: Mean there's still a few I've got a couple of

506
00:22:06,560 --> 00:22:09,200
Speaker 4: other underlying conditions. So for me, it'll be I mean,

507
00:22:09,480 --> 00:22:13,440
Speaker 4: even with my cancer, it's pretty much a lifelong monitoring.

508
00:22:13,040 --> 00:22:13,639
Speaker 5: For that one.

509
00:22:13,720 --> 00:22:17,120
Speaker 4: It is one of the few cancers that's actually more

510
00:22:17,200 --> 00:22:20,760
Speaker 4: likely to come back over time, so the likelihood of

511
00:22:20,760 --> 00:22:23,920
Speaker 4: it coming back increases each year. So I'll be monitored

512
00:22:23,960 --> 00:22:26,199
Speaker 4: for life for that. So we kind of know that

513
00:22:26,240 --> 00:22:28,679
Speaker 4: I'm always going to have a bit of that medical

514
00:22:29,000 --> 00:22:32,920
Speaker 4: scans and you know that big portion it's just sort

515
00:22:32,920 --> 00:22:34,200
Speaker 4: of sitting there.

516
00:22:34,080 --> 00:22:35,920
Speaker 5: Always going to be a part of my life.

517
00:22:35,920 --> 00:22:37,760
Speaker 4: So I think I've kind of confident with the fact

518
00:22:37,800 --> 00:22:41,200
Speaker 4: that I will probably struggle to ever work full time,

519
00:22:41,280 --> 00:22:43,600
Speaker 4: both with the amount of medical appointments I have and

520
00:22:43,680 --> 00:22:46,679
Speaker 4: also with the level of fatigue and other symptoms are

521
00:22:46,680 --> 00:22:49,480
Speaker 4: now our experience is that it's probably not going to

522
00:22:49,520 --> 00:22:53,240
Speaker 4: be practical unless I can can find the right job.

523
00:22:53,400 --> 00:22:56,560
Speaker 5: I suppose, you know, nothing's impossible.

524
00:22:56,000 --> 00:22:58,480
Speaker 2: Yeah, one hundred percent, But yeah, I.

525
00:22:58,440 --> 00:23:00,640
Speaker 4: Think I've come to tensify, especially well I've got young

526
00:23:00,720 --> 00:23:03,240
Speaker 4: kids taking that pressure of wanting to find a full

527
00:23:03,280 --> 00:23:04,840
Speaker 4: time job and career.

528
00:23:04,920 --> 00:23:08,000
Speaker 5: Like, I think the hardest thing is that I'd.

529
00:23:07,760 --> 00:23:10,240
Speaker 4: Really like to start a career, but I just I

530
00:23:10,280 --> 00:23:13,200
Speaker 4: suppose I don't really know how to do that going

531
00:23:13,200 --> 00:23:16,440
Speaker 4: into something part time. So I feel like so many

532
00:23:16,520 --> 00:23:19,840
Speaker 4: jobs are full time and totally understandable as to why,

533
00:23:20,280 --> 00:23:25,399
Speaker 4: especially when entering them. So I think, especially with anything

534
00:23:25,440 --> 00:23:28,479
Speaker 4: in my background, I suppose so or anywhere I have

535
00:23:28,520 --> 00:23:31,320
Speaker 4: transferable skills because I don't necessarily want to go back

536
00:23:31,320 --> 00:23:33,080
Speaker 4: to sales or anything like that. I'd really like to

537
00:23:33,080 --> 00:23:36,400
Speaker 4: start something new and kind of Yeah, but if I've

538
00:23:36,440 --> 00:23:39,320
Speaker 4: learned anything is that you never really know what's around

539
00:23:39,320 --> 00:23:43,000
Speaker 4: the corner anyway. So I think both with money and

540
00:23:43,080 --> 00:23:45,879
Speaker 4: me thinking probably a year and a half ago, they oh, yes,

541
00:23:45,920 --> 00:23:47,560
Speaker 4: we don't have to worry about money anymore.

542
00:23:47,600 --> 00:23:49,080
Speaker 5: We've got this money enough savores account.

543
00:23:49,080 --> 00:23:51,879
Speaker 4: We've got that buffer to now kind of having a

544
00:23:52,000 --> 00:23:55,080
Speaker 4: terrible wake up call like okay, that buffer can disappear

545
00:23:55,160 --> 00:23:57,480
Speaker 4: quickly if you're not careful, and now having to go

546
00:23:57,600 --> 00:24:00,879
Speaker 4: back into a bit more like living to paycheck to

547
00:24:00,880 --> 00:24:03,800
Speaker 4: paycheck kind of levels of you know, scrutinizing how much

548
00:24:03,800 --> 00:24:06,800
Speaker 4: money we're spending, being savvy those sorts of things, less

549
00:24:06,840 --> 00:24:10,959
Speaker 4: impulsi wittnesses, which I'm very good at. But yes, I

550
00:24:11,000 --> 00:24:13,200
Speaker 4: think there's a lot of things I realized, like, yeah,

551
00:24:13,240 --> 00:24:15,640
Speaker 4: money comes and goes, things will come out of nowhere.

552
00:24:16,119 --> 00:24:18,639
Speaker 4: We did make one investment in a business that we

553
00:24:18,720 --> 00:24:21,120
Speaker 4: still have that money sitting there, so we know we've got.

554
00:24:20,920 --> 00:24:22,200
Speaker 5: That kind of buffer as well.

555
00:24:22,840 --> 00:24:25,320
Speaker 4: So that's yeah, Like I feel like we've done like

556
00:24:25,400 --> 00:24:27,920
Speaker 4: a few good decisions and then we've made a few

557
00:24:27,960 --> 00:24:31,480
Speaker 4: poor decisions, but hopefully in the longer term even out

558
00:24:31,480 --> 00:24:33,240
Speaker 4: and we can just kind of sit somewhere in the

559
00:24:33,240 --> 00:24:36,760
Speaker 4: middle and at least be comfortable. And yeah, so I

560
00:24:36,800 --> 00:24:38,920
Speaker 4: don't really know what the future holds is very much

561
00:24:38,960 --> 00:24:39,720
Speaker 4: a question mark.

562
00:24:39,920 --> 00:24:41,680
Speaker 5: But yeah, just take it each day.

563
00:24:41,680 --> 00:24:43,720
Speaker 2: And I don't like each week really as it comes

564
00:24:43,760 --> 00:24:46,120
Speaker 2: so totally. So tell me a little bit more about

565
00:24:46,160 --> 00:24:48,919
Speaker 2: your babies. How old are they? How are they doing?

566
00:24:49,040 --> 00:24:51,000
Speaker 2: Like there's three of them, you lucky duck.

567
00:24:51,240 --> 00:24:55,760
Speaker 4: Yes, they're pretty good. My eldest is now seven and

568
00:24:56,119 --> 00:24:59,439
Speaker 4: she so she's in school. My middle daughter is about

569
00:24:59,440 --> 00:25:02,760
Speaker 4: to tend five in ten days, I think, so she'll

570
00:25:02,760 --> 00:25:04,680
Speaker 4: start midyear reception.

571
00:25:04,960 --> 00:25:05,840
Speaker 5: That's what we call it here.

572
00:25:06,040 --> 00:25:08,679
Speaker 2: Yeah, it's like kinder here. I think like prep.

573
00:25:08,920 --> 00:25:12,120
Speaker 5: Yeah, yeah, yeah, I know it's called different everywhere. And

574
00:25:12,160 --> 00:25:17,040
Speaker 5: then my son, he is two, and he is.

575
00:25:17,760 --> 00:25:19,560
Speaker 4: Like I reckon, he could put Johnny Knox with a

576
00:25:19,560 --> 00:25:22,199
Speaker 4: shame like his. There's a reason I've started to go

577
00:25:22,280 --> 00:25:23,440
Speaker 4: so great since he was born.

578
00:25:23,480 --> 00:25:23,720
Speaker 5: I think.

579
00:25:23,760 --> 00:25:25,240
Speaker 4: I don't think it's any of the hell stuff. I

580
00:25:25,240 --> 00:25:28,399
Speaker 4: think it's the fact that he probably always gives me

581
00:25:28,480 --> 00:25:30,000
Speaker 4: multiple heart attacks a day.

582
00:25:30,160 --> 00:25:31,240
Speaker 2: He was born to do pakol.

583
00:25:31,440 --> 00:25:33,760
Speaker 4: Yeah, he'll be very good at that, one hundred percent.

584
00:25:34,280 --> 00:25:36,480
Speaker 4: Always jumping off things he should have been On Easter,

585
00:25:36,560 --> 00:25:38,960
Speaker 4: he fell down like a couple of steps onto the concrete,

586
00:25:38,960 --> 00:25:40,640
Speaker 4: gone up and kept running. I was like, I think

587
00:25:40,640 --> 00:25:41,639
Speaker 4: we should probably like it.

588
00:25:41,760 --> 00:25:45,640
Speaker 5: You checked like not. He was just often going like.

589
00:25:45,600 --> 00:25:48,480
Speaker 2: He's not faved by anything that cute, Like, yeah, I

590
00:25:48,480 --> 00:25:51,320
Speaker 2: feel like my son Harvey's probably had a call from

591
00:25:51,359 --> 00:25:53,560
Speaker 2: your son and been like this is how we do it.

592
00:25:53,680 --> 00:25:56,320
Speaker 2: Because there's a running joke in my family that there's

593
00:25:56,359 --> 00:25:58,760
Speaker 2: always something going on with Harvey, like he's always got

594
00:25:58,760 --> 00:26:01,760
Speaker 2: like a bump on his head or a scratch or something,

595
00:26:01,840 --> 00:26:04,600
Speaker 2: because he just he doesn't stop. Like the second this

596
00:26:04,720 --> 00:26:07,159
Speaker 2: kid learned to walk, he was like walking, I'm going

597
00:26:07,200 --> 00:26:10,760
Speaker 2: to run into things, like just ran full pelt at

598
00:26:10,960 --> 00:26:14,199
Speaker 2: literally everything, and you're just like, why do you have

599
00:26:14,280 --> 00:26:17,880
Speaker 2: no level of self preservation? Like none?

600
00:26:18,200 --> 00:26:21,520
Speaker 5: Right, I know they don't, like no sense of like fear.

601
00:26:21,640 --> 00:26:24,639
Speaker 2: Really he falls over like your son and I just go,

602
00:26:24,800 --> 00:26:27,240
Speaker 2: are you all right? And he's like running off in

603
00:26:27,280 --> 00:26:29,439
Speaker 2: the other direction, and you're like that looks like it

604
00:26:29,480 --> 00:26:31,359
Speaker 2: could have been a concussion exactly.

605
00:26:31,640 --> 00:26:33,879
Speaker 4: Yes, I have too many of those moments or my

606
00:26:34,000 --> 00:26:35,840
Speaker 4: daughters will like to eat him on as well. To

607
00:26:35,880 --> 00:26:38,640
Speaker 4: be honest, he's less scared of climbing play equipment playgrounds

608
00:26:38,640 --> 00:26:41,520
Speaker 4: than my middle daughter is, Like no fear at all,

609
00:26:41,680 --> 00:26:44,320
Speaker 4: but his absolute joy, like it makes us laugh constantly,

610
00:26:44,960 --> 00:26:46,800
Speaker 4: just also levels that out with a little bit of

611
00:26:46,840 --> 00:26:48,400
Speaker 4: fear and terror at the same time.

612
00:26:48,560 --> 00:26:49,200
Speaker 5: Anxiety.

613
00:26:49,960 --> 00:26:54,280
Speaker 2: Oh my goodness, So talk to me, what big money

614
00:26:54,280 --> 00:26:55,920
Speaker 2: goals do you have at the moment? I feel like

615
00:26:55,960 --> 00:26:57,879
Speaker 2: we've talked a lot about money, but like what are

616
00:26:57,920 --> 00:27:00,000
Speaker 2: your goals? What are you currently working towards?

617
00:27:00,560 --> 00:27:01,840
Speaker 5: So we like to do a.

618
00:27:01,840 --> 00:27:04,399
Speaker 4: Lot of DIY renovating. That was a big part of

619
00:27:04,400 --> 00:27:07,080
Speaker 4: the reason. Like I love property, I always have. And

620
00:27:07,320 --> 00:27:11,080
Speaker 4: while I recovering this time around, I got back into

621
00:27:11,200 --> 00:27:14,720
Speaker 4: watching a few like Selling Houses Australia and other renovation shows,

622
00:27:15,119 --> 00:27:18,000
Speaker 4: so I've now got myself back into the mindset.

623
00:27:18,200 --> 00:27:20,480
Speaker 5: I also watched a movie that really inspired me.

624
00:27:20,680 --> 00:27:21,520
Speaker 2: What was it.

625
00:27:21,520 --> 00:27:23,119
Speaker 5: It's called The Life List, I think.

626
00:27:23,000 --> 00:27:24,560
Speaker 2: Oh, yes, the Life List.

627
00:27:24,920 --> 00:27:29,240
Speaker 4: Yes, and it inspired me so much to kind of revisit,

628
00:27:29,480 --> 00:27:31,800
Speaker 4: especially having cancer, like the person I was pre cancer,

629
00:27:31,840 --> 00:27:34,040
Speaker 4: but also younger me, and like what I really wanted

630
00:27:34,040 --> 00:27:36,359
Speaker 4: to do and where I've kind of ended up versus that,

631
00:27:37,119 --> 00:27:40,959
Speaker 4: And I kind of realized my goals were really properly

632
00:27:40,960 --> 00:27:43,960
Speaker 4: related or I always really wanted to be interior designer.

633
00:27:44,119 --> 00:27:46,000
Speaker 4: People always said you're so creative why did you end

634
00:27:46,080 --> 00:27:47,040
Speaker 4: up going into business?

635
00:27:47,040 --> 00:27:49,600
Speaker 5: Like why did you go for that business side? And

636
00:27:49,640 --> 00:27:51,439
Speaker 5: I like both, to be honest, so I don't know.

637
00:27:51,600 --> 00:27:53,960
Speaker 4: I could see maybe a bit of study to try

638
00:27:54,000 --> 00:27:56,399
Speaker 4: and get me into maybe something bit more creative or

639
00:27:56,520 --> 00:28:00,000
Speaker 4: residential drafting, like maybe something sort of similar but different,

640
00:28:00,119 --> 00:28:03,160
Speaker 4: and hopefully get myself a job would probably go number one.

641
00:28:03,280 --> 00:28:05,960
Speaker 4: But also, yeah, we've been doing a lot of renovating

642
00:28:06,240 --> 00:28:08,880
Speaker 4: in both our previous house and this house. And we've

643
00:28:08,880 --> 00:28:11,280
Speaker 4: always said though that we want to own maybe like

644
00:28:11,320 --> 00:28:13,359
Speaker 4: a bit of landist and me acreage, and my dream's

645
00:28:13,359 --> 00:28:15,840
Speaker 4: always been to like own a B and B. So

646
00:28:16,440 --> 00:28:18,840
Speaker 4: that's the kind of probably next goal at some point,

647
00:28:19,160 --> 00:28:21,000
Speaker 4: And really I think that would be ideal having some

648
00:28:21,040 --> 00:28:24,160
Speaker 4: sort of passive income if my health does ever turn

649
00:28:24,240 --> 00:28:26,320
Speaker 4: around again, having something that we kind of can keep

650
00:28:26,400 --> 00:28:31,159
Speaker 4: running relatively easily, especially because whenever I do need.

651
00:28:31,119 --> 00:28:33,480
Speaker 5: To be at home a lot, like at least already.

652
00:28:33,160 --> 00:28:37,080
Speaker 4: Be be there, I suppose. So that's probably our other

653
00:28:37,280 --> 00:28:40,560
Speaker 4: longer term goal. Definitely not in the short term. Still

654
00:28:40,560 --> 00:28:43,440
Speaker 4: got a lot of probably saving and pivoting to do.

655
00:28:43,880 --> 00:28:46,480
Speaker 4: We factored in things like a couple of games tax

656
00:28:46,600 --> 00:28:49,280
Speaker 4: so we because we lived in our last house, we

657
00:28:49,400 --> 00:28:52,360
Speaker 4: didn't need to pay I think like the seven year rule.

658
00:28:52,520 --> 00:28:53,320
Speaker 5: I think it's cool.

659
00:28:53,560 --> 00:28:56,080
Speaker 2: Yeah, so you would have got like a seven year exemption.

660
00:28:56,280 --> 00:29:00,000
Speaker 2: Did you own it for more than seven years? Yeah, yeah,

661
00:29:00,080 --> 00:29:02,440
Speaker 2: so there would be like a little bit of CGT payable.

662
00:29:02,600 --> 00:29:05,680
Speaker 4: Yeah, and then we sold it like within a year,

663
00:29:05,720 --> 00:29:08,640
Speaker 4: I think, So we didn't really have it as.

664
00:29:08,520 --> 00:29:09,720
Speaker 5: A rental for very long at all.

665
00:29:09,840 --> 00:29:12,840
Speaker 4: So but now if we sell this house within seven years,

666
00:29:12,880 --> 00:29:14,840
Speaker 4: we have to pay capital gains on this house.

667
00:29:14,920 --> 00:29:17,000
Speaker 5: So I always have that in the back of my mind.

668
00:29:17,360 --> 00:29:19,640
Speaker 2: We maybe want to hold it for a little bit longer.

669
00:29:19,920 --> 00:29:22,680
Speaker 5: Yeah, exactly. So this is a much bigger house on

670
00:29:22,720 --> 00:29:23,520
Speaker 5: a much smaller block.

671
00:29:23,600 --> 00:29:25,560
Speaker 4: So my husband lost his shed and a few things

672
00:29:25,600 --> 00:29:27,280
Speaker 4: like that, which he would really love to have back

673
00:29:27,320 --> 00:29:27,600
Speaker 4: as a.

674
00:29:27,520 --> 00:29:28,520
Speaker 5: Big shared or something.

675
00:29:28,600 --> 00:29:30,640
Speaker 4: So I suppose and the kids we have enough few

676
00:29:30,920 --> 00:29:32,600
Speaker 4: but it's not as big as what we had before,

677
00:29:32,720 --> 00:29:33,640
Speaker 4: so I.

678
00:29:33,560 --> 00:29:35,000
Speaker 5: Think a lot of us.

679
00:29:35,120 --> 00:29:37,080
Speaker 4: We only have three bedrooms for the girls share, so

680
00:29:37,120 --> 00:29:39,560
Speaker 4: I think there's a few things there we would eventually,

681
00:29:40,040 --> 00:29:42,880
Speaker 4: you know, the next few years, like to probably get

682
00:29:42,920 --> 00:29:43,680
Speaker 4: a bit more space.

683
00:29:43,800 --> 00:29:45,840
Speaker 2: But I like that you're thinking about it as well,

684
00:29:45,960 --> 00:29:49,280
Speaker 2: and you're clearly thinking about it relatively strategically, because I

685
00:29:49,280 --> 00:29:52,160
Speaker 2: don't think a lot of people think about that CGT rule.

686
00:29:52,200 --> 00:29:54,160
Speaker 2: They don't go, okay, cool, we got an exemption on

687
00:29:54,160 --> 00:29:56,080
Speaker 2: the first property, which means we need to wait for

688
00:29:56,080 --> 00:29:58,840
Speaker 2: seven years for the second property. They're probably listening to

689
00:29:58,840 --> 00:30:00,720
Speaker 2: this going, oh, I didn't know that was a thing,

690
00:30:01,120 --> 00:30:03,600
Speaker 2: And that means that I can see your strategy brain

691
00:30:03,680 --> 00:30:06,080
Speaker 2: working out what's going on and like what your next

692
00:30:06,160 --> 00:30:07,360
Speaker 2: move might look like.

693
00:30:07,840 --> 00:30:09,719
Speaker 4: Yes, I've always said, at least if I didn't end

694
00:30:09,800 --> 00:30:12,520
Speaker 4: up in a property job or career, that that degree

695
00:30:12,520 --> 00:30:14,640
Speaker 4: has already paid itself off in the knowledge I had

696
00:30:15,040 --> 00:30:17,760
Speaker 4: around purchasing and selling and capital gaze like all that

697
00:30:17,800 --> 00:30:21,560
Speaker 4: sort of stuff. Like that knowledge in itself has definitely helped,

698
00:30:22,000 --> 00:30:23,920
Speaker 4: not to say that you have to study a property

699
00:30:23,960 --> 00:30:27,440
Speaker 4: degree to kind of be able to do well in property,

700
00:30:27,480 --> 00:30:30,120
Speaker 4: of course, by any means, but it definitely helped.

701
00:30:30,360 --> 00:30:32,680
Speaker 2: No, but you don't know what you don't know. Having

702
00:30:32,680 --> 00:30:36,480
Speaker 2: the benefit of understanding is very helpful. Money dis let's

703
00:30:36,520 --> 00:30:38,680
Speaker 2: go to a really quick break because on the flip side,

704
00:30:38,720 --> 00:30:40,600
Speaker 2: I want to talk a little bit more about investing

705
00:30:40,720 --> 00:30:42,640
Speaker 2: and debt and then like what your best and worst

706
00:30:42,720 --> 00:30:49,200
Speaker 2: money habits are so don't go anywhere, all right, money Dice.

707
00:30:49,280 --> 00:30:51,840
Speaker 2: We are back and you I feel like your life

708
00:30:52,360 --> 00:30:56,000
Speaker 2: has been an absolute roller coaster, like and it's probably

709
00:30:56,000 --> 00:30:59,480
Speaker 2: felt like that from your perspective, and you are so positive,

710
00:30:59,560 --> 00:31:02,360
Speaker 2: like you are literally so like oh no, Like I

711
00:31:02,600 --> 00:31:04,240
Speaker 2: I've just come to terms with it. I asked you

712
00:31:04,280 --> 00:31:06,120
Speaker 2: how you're doing. She's like, yeah, I'm fine, kind of

713
00:31:06,120 --> 00:31:08,479
Speaker 2: burying my head in this sad like how you are

714
00:31:08,520 --> 00:31:10,920
Speaker 2: carrying this, I don't know, And it like reminds me

715
00:31:10,960 --> 00:31:14,400
Speaker 2: of that quote like just because it's heavy doesn't mean

716
00:31:14,480 --> 00:31:16,600
Speaker 2: it's easy to carry. And I think a lot of

717
00:31:16,640 --> 00:31:19,560
Speaker 2: people think that, you know, Oh well, she says, it's fine,

718
00:31:19,760 --> 00:31:22,560
Speaker 2: like it must be. Like I just I'm in awe

719
00:31:22,640 --> 00:31:24,080
Speaker 2: of you, Like I'm just like, can we go off

720
00:31:24,120 --> 00:31:25,920
Speaker 2: coffee or something when I'm in the same state, Like

721
00:31:25,960 --> 00:31:27,640
Speaker 2: I just want to be friends with you just seem

722
00:31:27,720 --> 00:31:30,280
Speaker 2: like a hustler, like even to be like, oh cool,

723
00:31:30,360 --> 00:31:32,440
Speaker 2: Like I went ahead and just had a biladd or

724
00:31:32,480 --> 00:31:35,120
Speaker 2: a mastectomy, and I also had a full hysterectomy. Like

725
00:31:35,360 --> 00:31:37,920
Speaker 2: those are giant surgeries, and I know to have made

726
00:31:37,960 --> 00:31:40,800
Speaker 2: that decision that wasn't a like oh yeah, I would

727
00:31:41,160 --> 00:31:43,600
Speaker 2: love to do that. It was a oh, I'm going

728
00:31:43,680 --> 00:31:45,640
Speaker 2: to do that for my kids like you one thousand

729
00:31:45,680 --> 00:31:47,880
Speaker 2: percent weren't thinking about you in those moments, And I

730
00:31:47,960 --> 00:31:49,760
Speaker 2: just go, this person is a person I want to

731
00:31:49,760 --> 00:31:52,680
Speaker 2: know better. Like she's just she's just wholesome. She's the

732
00:31:52,720 --> 00:31:55,000
Speaker 2: type of people that you want to be surrounded by. Right,

733
00:31:55,160 --> 00:31:58,120
Speaker 2: But we are getting to talk to you about your

734
00:31:58,200 --> 00:32:01,640
Speaker 2: journey and about money and it's a privilege. But talk

735
00:32:01,680 --> 00:32:03,960
Speaker 2: to me about investing, because I feel like you've got

736
00:32:04,080 --> 00:32:07,800
Speaker 2: a strategy brain do you invest? What does that look like?

737
00:32:07,920 --> 00:32:08,800
Speaker 2: What are your thoughts?

738
00:32:09,080 --> 00:32:13,400
Speaker 4: Well, I suppose with my background having studied property, my

739
00:32:13,480 --> 00:32:17,520
Speaker 4: love of property previously, our investment was really largely based

740
00:32:17,560 --> 00:32:18,560
Speaker 4: around property.

741
00:32:19,040 --> 00:32:22,280
Speaker 5: My goal for a long long time was to.

742
00:32:22,880 --> 00:32:25,800
Speaker 4: Kind of purchase a house, renovate it, keep it as

743
00:32:25,800 --> 00:32:27,880
Speaker 4: a mental move on, purchase another one, kind of keep

744
00:32:27,920 --> 00:32:29,360
Speaker 4: working ourselves up, use the equity.

745
00:32:29,800 --> 00:32:32,120
Speaker 5: But unfortunately life kind of made that tricky.

746
00:32:32,360 --> 00:32:34,840
Speaker 4: And then obviously with COVID and the housing market and

747
00:32:34,880 --> 00:32:37,480
Speaker 4: interest rates, that all kind of happened as well and

748
00:32:37,520 --> 00:32:39,840
Speaker 4: made it very hard. I really wanted to kind of

749
00:32:39,840 --> 00:32:41,600
Speaker 4: get to the goal of having three property so that

750
00:32:41,840 --> 00:32:43,760
Speaker 4: we'd have one three kind of each old they could

751
00:32:43,800 --> 00:32:45,840
Speaker 4: either live in it or so I thought whatever they

752
00:32:45,840 --> 00:32:47,120
Speaker 4: wanted to do. That was kind of in the back

753
00:32:47,120 --> 00:32:48,560
Speaker 4: of my mind is like that was my goal.

754
00:32:49,040 --> 00:32:50,960
Speaker 5: And then that obviously.

755
00:32:50,640 --> 00:32:52,480
Speaker 4: Became a bit unattainable, and it was a little bit

756
00:32:52,520 --> 00:32:56,120
Speaker 4: hard to break away from that and realize that that's,

757
00:32:56,240 --> 00:32:59,160
Speaker 4: at least for this point in our life, it's not achievable.

758
00:32:59,480 --> 00:33:01,120
Speaker 5: But then we kind of pivoted.

759
00:33:01,600 --> 00:33:05,400
Speaker 4: So I feel like I'm still relatively even though I

760
00:33:05,440 --> 00:33:08,040
Speaker 4: did study a fair bit of business and investment, I

761
00:33:08,080 --> 00:33:11,080
Speaker 4: still feel like I know very very little about shares

762
00:33:11,120 --> 00:33:14,240
Speaker 4: in the share market, and you know, really any other

763
00:33:14,320 --> 00:33:18,160
Speaker 4: form of investing. We were lucky enough to stumble across

764
00:33:18,280 --> 00:33:20,760
Speaker 4: an acquaintance that was starting a business. We were able

765
00:33:20,800 --> 00:33:24,600
Speaker 4: to invest in that business for her to kind of

766
00:33:24,640 --> 00:33:28,920
Speaker 4: set up her like premises, and it actually paid off

767
00:33:28,960 --> 00:33:33,040
Speaker 4: for us as well as we're getting a ten percent

768
00:33:33,080 --> 00:33:36,840
Speaker 4: return on that money. And then we also got free

769
00:33:37,000 --> 00:33:39,120
Speaker 4: swimming lessons out of it for three kids, which if

770
00:33:39,160 --> 00:33:42,440
Speaker 4: anyone has kids, known swimming lessons are not cheap, so

771
00:33:42,480 --> 00:33:46,640
Speaker 4: that saved us so much money. And yeah, so it's

772
00:33:46,680 --> 00:33:49,400
Speaker 4: been pretty cool to have kind of done that. We

773
00:33:49,440 --> 00:33:51,440
Speaker 4: started to get our returns and stuff back that that

774
00:33:51,640 --> 00:33:53,560
Speaker 4: period's almost almost finished.

775
00:33:53,560 --> 00:33:55,360
Speaker 5: So we were a bit like, oh my gosh, what

776
00:33:55,360 --> 00:33:57,160
Speaker 5: do we do, Like is this the right thing to

777
00:33:57,200 --> 00:33:57,920
Speaker 5: do for us?

778
00:33:57,960 --> 00:34:00,400
Speaker 4: It paid off, and we were pretty key. I don't

779
00:34:00,400 --> 00:34:02,880
Speaker 4: know if we'll go down much more business investing, but.

780
00:34:03,200 --> 00:34:06,280
Speaker 2: I'm glad because you're right, like in some of those situations,

781
00:34:06,320 --> 00:34:08,360
Speaker 2: it just goes barey up and people were just like,

782
00:34:08,440 --> 00:34:10,360
Speaker 2: oh my goodness, like I wish I never and we

783
00:34:10,440 --> 00:34:13,600
Speaker 2: destroyed our relationship and like it becomes dramatic, but I'm

784
00:34:13,640 --> 00:34:14,720
Speaker 2: just well, luckily we weren't.

785
00:34:14,840 --> 00:34:16,719
Speaker 4: I suppose, like I don't think I'd ever do it

786
00:34:16,719 --> 00:34:18,879
Speaker 4: with someone close like family, all close friends, because yeah,

787
00:34:18,920 --> 00:34:21,680
Speaker 4: I could see that was my fear. But luckily we

788
00:34:21,680 --> 00:34:24,319
Speaker 4: were far enough apart that we didn't have to worry

789
00:34:24,360 --> 00:34:26,280
Speaker 4: too much about that. And because it was also going

790
00:34:27,000 --> 00:34:30,040
Speaker 4: towards property, we also had the added like kind of

791
00:34:30,880 --> 00:34:33,919
Speaker 4: security that that could be sold off. Like I think

792
00:34:33,960 --> 00:34:36,200
Speaker 4: most others, I probably wouldn't have gone ahead. I would

793
00:34:36,200 --> 00:34:37,920
Speaker 4: have been like that would have been too risky for me.

794
00:34:38,040 --> 00:34:40,200
Speaker 4: But because we knew we had that buffer, it was

795
00:34:40,200 --> 00:34:42,440
Speaker 4: all in the contract and everything that if for some

796
00:34:42,480 --> 00:34:44,520
Speaker 4: reason something went wrong, the property be sold off when

797
00:34:44,520 --> 00:34:45,399
Speaker 4: we get paid back, So.

798
00:34:45,480 --> 00:34:47,600
Speaker 2: I'm glad that worked out as well.

799
00:34:47,640 --> 00:34:51,799
Speaker 4: I've got to like really recently started. I actually downloaded

800
00:34:51,920 --> 00:34:55,719
Speaker 4: shares Is as per your recommendation, and we've only got

801
00:34:55,960 --> 00:34:58,160
Speaker 4: not very much money in there, but it's starting to

802
00:34:58,400 --> 00:34:59,839
Speaker 4: kind of grow each week. I just put a little

803
00:34:59,880 --> 00:35:02,560
Speaker 4: bit in there, like literally only sixty dollars, like I'm

804
00:35:02,560 --> 00:35:04,880
Speaker 4: talking like, I've only been very very cautious, trying to

805
00:35:04,960 --> 00:35:07,560
Speaker 4: learn things, like trying to get my head around it all.

806
00:35:07,680 --> 00:35:09,840
Speaker 2: I feel like you, of all people are going to

807
00:35:09,960 --> 00:35:14,120
Speaker 2: love Ariits would your real estate investment trusts, like that's

808
00:35:14,200 --> 00:35:15,200
Speaker 2: where you want to live.

809
00:35:15,960 --> 00:35:19,080
Speaker 4: Yeah, so that's still very new, but I think especially

810
00:35:19,160 --> 00:35:21,279
Speaker 4: going forward, because I do like that we can just

811
00:35:21,320 --> 00:35:23,759
Speaker 4: gradually add to it. It's not something like property where

812
00:35:23,800 --> 00:35:25,920
Speaker 4: you really need to have a big lot of money

813
00:35:25,960 --> 00:35:28,320
Speaker 4: and really a lot on the line, a lot at stake,

814
00:35:28,880 --> 00:35:31,240
Speaker 4: and a lot more stress. Really, I suppose in managing

815
00:35:31,320 --> 00:35:33,200
Speaker 4: even if you're not managing the property, there's still a

816
00:35:33,239 --> 00:35:35,360
Speaker 4: lot that kind of goes on that you have to

817
00:35:35,400 --> 00:35:38,120
Speaker 4: worry about, make decisions if maintenance issues come up.

818
00:35:38,560 --> 00:35:39,640
Speaker 5: I think we probably.

819
00:35:39,440 --> 00:35:43,200
Speaker 4: Did have a slightly more difficult experience, probably than many

820
00:35:43,200 --> 00:35:46,600
Speaker 4: people have. But I think going forward, yeah, property wouldn't

821
00:35:46,600 --> 00:35:50,040
Speaker 4: be the top of our list personally anymore. I think

822
00:35:50,160 --> 00:35:52,239
Speaker 4: anything that's easy is kind of my life model at

823
00:35:52,280 --> 00:35:55,440
Speaker 4: this point, whether it be food preparation or cleaning the

824
00:35:55,480 --> 00:36:00,000
Speaker 4: house or investing it is, whatever's nice and simple totally.

825
00:36:00,160 --> 00:36:02,600
Speaker 2: So talk to me about debt. Because you currently own

826
00:36:02,640 --> 00:36:05,080
Speaker 2: the property that you live in. What does that look like?

827
00:36:05,400 --> 00:36:08,200
Speaker 4: So we do have a mortgage still on this house,

828
00:36:08,640 --> 00:36:10,719
Speaker 4: so we put all of the money originally that we

829
00:36:10,800 --> 00:36:13,160
Speaker 4: had into we've had it in the homelands so we

830
00:36:13,200 --> 00:36:16,920
Speaker 4: could offset someone of the interest, but we did redraw

831
00:36:17,200 --> 00:36:21,080
Speaker 4: that back down and so we're still sitting probably with

832
00:36:21,120 --> 00:36:22,040
Speaker 4: about a four.

833
00:36:21,880 --> 00:36:24,240
Speaker 5: Hundred thousand dollars loan. I think I've put of my head.

834
00:36:24,560 --> 00:36:28,040
Speaker 4: The property now would be worth around eight to fifty

835
00:36:28,200 --> 00:36:30,560
Speaker 4: so I know eventually we'll have a bit of equity

836
00:36:30,600 --> 00:36:32,480
Speaker 4: sitting in it, which I'm pretty keen for.

837
00:36:32,719 --> 00:36:35,160
Speaker 2: Yeah, that's so nice because I know that your plan

838
00:36:35,280 --> 00:36:37,560
Speaker 2: is to go to a bigger property and get a

839
00:36:37,560 --> 00:36:40,279
Speaker 2: little bit more space, and like, maybe this is part

840
00:36:40,280 --> 00:36:42,600
Speaker 2: of your investing strategy, and you might get to keep

841
00:36:42,600 --> 00:36:45,040
Speaker 2: hold of this property and lease it out and then

842
00:36:45,360 --> 00:36:48,280
Speaker 2: make your way back to planning on having three properties

843
00:36:48,280 --> 00:36:50,680
Speaker 2: for your kids, Like I don't see that as too

844
00:36:50,719 --> 00:36:52,280
Speaker 2: far out of reach one.

845
00:36:52,200 --> 00:36:54,760
Speaker 5: Day, Yes, exactly. That's if I've learned anything.

846
00:36:54,800 --> 00:36:58,239
Speaker 4: It's just that nothing's impossible, even if it just might

847
00:36:58,280 --> 00:37:01,200
Speaker 4: be finding a different way of there, or even if

848
00:37:01,200 --> 00:37:04,799
Speaker 4: you decide to change strategies, like, there's nothing wrong with that.

849
00:37:04,920 --> 00:37:06,400
Speaker 4: So I had to kind of come to terms with

850
00:37:06,400 --> 00:37:08,040
Speaker 4: the fact that, yeah, property wasn't going to be our

851
00:37:08,040 --> 00:37:10,480
Speaker 4: main thing at least for a little while, and that

852
00:37:10,640 --> 00:37:11,960
Speaker 4: was very hard for me to break out of that

853
00:37:12,040 --> 00:37:13,920
Speaker 4: very set mindset in my head. But I realized, look,

854
00:37:13,960 --> 00:37:15,799
Speaker 4: it really doesn't matter. Like we felt like a bit

855
00:37:15,800 --> 00:37:17,719
Speaker 4: of a failure after selling it after and having it

856
00:37:17,760 --> 00:37:20,880
Speaker 4: as an investment for a year, and we kind of

857
00:37:20,920 --> 00:37:23,799
Speaker 4: eventually realized, like I think it was our broker that

858
00:37:23,840 --> 00:37:25,239
Speaker 4: sort of said, look, you've just got to do what

859
00:37:25,280 --> 00:37:28,240
Speaker 4: you've got to do at that time, Like, just because

860
00:37:28,640 --> 00:37:30,399
Speaker 4: you make a decision doesn't mean you have to stick

861
00:37:30,440 --> 00:37:32,000
Speaker 4: with it if it doesn't work out. There's nothing wrong

862
00:37:32,040 --> 00:37:34,279
Speaker 4: with that, and that goes for you know, most things

863
00:37:34,280 --> 00:37:36,560
Speaker 4: in life. So I think that was a bit hard

864
00:37:36,560 --> 00:37:38,719
Speaker 4: to get my head around, but I've definitely accepted that

865
00:37:38,760 --> 00:37:43,120
Speaker 4: more now, so I think, yeah. Otherwise, debt wise, We've

866
00:37:43,120 --> 00:37:46,560
Speaker 4: always tried to not really have too much debt. Every

867
00:37:46,600 --> 00:37:49,120
Speaker 4: now and then I do get myself into a bit

868
00:37:49,120 --> 00:37:52,160
Speaker 4: of an after pay trap, which I did do again

869
00:37:52,360 --> 00:37:54,680
Speaker 4: when we were renovating and then over Christmas, so I'm

870
00:37:54,719 --> 00:37:58,879
Speaker 4: trying to get that gone. So yeah, I think that's

871
00:37:58,920 --> 00:38:00,719
Speaker 4: really about it. And hex So we paid out my

872
00:38:00,840 --> 00:38:02,680
Speaker 4: husband's HEXTT. We had to pay it out to get

873
00:38:02,680 --> 00:38:06,480
Speaker 4: our loan for this current house. We wouldn't get aproved

874
00:38:06,480 --> 00:38:08,200
Speaker 4: without paying that out, so we paid his out. But

875
00:38:08,320 --> 00:38:12,480
Speaker 4: I still have mine, which Viz, I find quite frustrating

876
00:38:12,560 --> 00:38:14,560
Speaker 4: because I've watched it grow and grow and grow like

877
00:38:14,640 --> 00:38:15,520
Speaker 4: crazy and not.

878
00:38:15,560 --> 00:38:17,480
Speaker 5: Being able to work and really paid off.

879
00:38:17,520 --> 00:38:20,359
Speaker 4: So we literally put like I think it's forout ten

880
00:38:20,400 --> 00:38:22,359
Speaker 4: dollars a week into it at the moment, just to

881
00:38:22,760 --> 00:38:26,680
Speaker 4: try and slowly chip out it or to completely keep

882
00:38:26,840 --> 00:38:30,279
Speaker 4: going up. It's probably really only covering the extra sort

883
00:38:30,280 --> 00:38:31,640
Speaker 4: of CPI increases.

884
00:38:31,800 --> 00:38:34,359
Speaker 2: But and I mean, elbows just come back in and

885
00:38:34,400 --> 00:38:37,040
Speaker 2: he promised to give all of us a very nice

886
00:38:37,360 --> 00:38:39,920
Speaker 2: hex cut, so I'm sure you're looking forward to that.

887
00:38:40,280 --> 00:38:42,840
Speaker 5: I very much am. When I saw that I was like, oh, yes, please.

888
00:38:42,680 --> 00:38:44,919
Speaker 2: Yes, please, that'll take a little bit of pressure off.

889
00:38:44,960 --> 00:38:47,600
Speaker 2: I mean, I don't know, shout out to albow would

890
00:38:47,680 --> 00:38:48,920
Speaker 2: be okay if you just get rid of all of

891
00:38:48,920 --> 00:38:51,400
Speaker 2: our hex stets completely, Like we don't want a discount,

892
00:38:51,400 --> 00:38:53,279
Speaker 2: we just want you to get rid of them.

893
00:38:53,920 --> 00:38:56,200
Speaker 5: Yeah, I love you, I love you. I would not complain.

894
00:38:56,480 --> 00:38:57,480
Speaker 2: Yeah, exactly.

895
00:38:57,880 --> 00:39:02,160
Speaker 5: Yeah, so there are main debts. We don't have any others.

896
00:39:02,200 --> 00:39:05,200
Speaker 4: We've never had a credit card, so I'm probably kind

897
00:39:05,200 --> 00:39:07,440
Speaker 4: of glad because I don't think I could trust myself

898
00:39:07,440 --> 00:39:08,080
Speaker 4: with a credit card.

899
00:39:08,520 --> 00:39:08,719
Speaker 5: Yeah.

900
00:39:08,800 --> 00:39:11,560
Speaker 2: No, that's fair, that's fair. I feel like for everything

901
00:39:11,560 --> 00:39:14,279
Speaker 2: that you have just shared with us, that you've gone through, like, girl,

902
00:39:14,400 --> 00:39:17,200
Speaker 2: you are in a good position still, Like it's clear

903
00:39:17,200 --> 00:39:19,880
Speaker 2: that you are very intelligent, like and I think everyone

904
00:39:19,920 --> 00:39:22,279
Speaker 2: can hear it, Like the way that you're speaking. I'm

905
00:39:22,280 --> 00:39:25,160
Speaker 2: like this woman, she's smart, smart, like she knows her shit.

906
00:39:25,320 --> 00:39:27,400
Speaker 2: Like I know that you said, oh yeah, like I

907
00:39:27,400 --> 00:39:29,319
Speaker 2: can't believe two hundred grand got away from me, and

908
00:39:29,400 --> 00:39:32,399
Speaker 2: like that could feel a bit silly, but like I'm sorry,

909
00:39:32,440 --> 00:39:34,600
Speaker 2: two hundred grand didn't get away from you. You already

910
00:39:34,600 --> 00:39:37,120
Speaker 2: explained was a kitchen. You know, you bought a new

911
00:39:37,120 --> 00:39:39,400
Speaker 2: car because you didn't want debt. I don't know if

912
00:39:39,440 --> 00:39:41,560
Speaker 2: you know this, but you went through a very very

913
00:39:41,680 --> 00:39:45,480
Speaker 2: very significant health event and to come out still owning

914
00:39:45,480 --> 00:39:49,480
Speaker 2: your house massive win. Like I think that we really

915
00:39:49,600 --> 00:39:54,640
Speaker 2: undervalue being financially stable when coming out of these situations,

916
00:39:55,000 --> 00:39:58,800
Speaker 2: like so many times, like I see families financially ruined.

917
00:39:58,920 --> 00:40:02,320
Speaker 2: And this is why I am so passionate about insurance,

918
00:40:02,400 --> 00:40:04,520
Speaker 2: Like I just I want to jump up and down

919
00:40:04,560 --> 00:40:07,680
Speaker 2: about it consistently and be like, these things happen, Like

920
00:40:07,719 --> 00:40:11,080
Speaker 2: you're listening to this money darist who has three small babies,

921
00:40:11,120 --> 00:40:12,759
Speaker 2: Like I can almost guarantee that when you found out,

922
00:40:12,800 --> 00:40:15,239
Speaker 2: oh I'm pregnant for the first time, that wasn't on

923
00:40:15,280 --> 00:40:18,319
Speaker 2: your Bingo card, Like that wasn't the plan. That wasn't

924
00:40:18,360 --> 00:40:20,040
Speaker 2: you were like, all right, well take a bit of time,

925
00:40:20,120 --> 00:40:22,200
Speaker 2: because you know, we can have a baby and then

926
00:40:22,280 --> 00:40:24,840
Speaker 2: I can be you know, a career girl in property.

927
00:40:25,480 --> 00:40:28,000
Speaker 2: And it just that's not the way the cookie crumbled.

928
00:40:28,080 --> 00:40:31,239
Speaker 2: And I think that it does remind you consistently, Yes,

929
00:40:31,280 --> 00:40:34,319
Speaker 2: insurances are important, but like, yes, a career would be

930
00:40:34,360 --> 00:40:37,440
Speaker 2: so nice, but like time with your family, like that

931
00:40:37,600 --> 00:40:40,239
Speaker 2: is the most important thing. And like the decisions that

932
00:40:40,280 --> 00:40:42,560
Speaker 2: you're making, especially around your health, Like I can tell

933
00:40:42,640 --> 00:40:45,200
Speaker 2: that you just care so much about your babies and

934
00:40:45,239 --> 00:40:47,680
Speaker 2: your husband and putting them first. Because of the decisions

935
00:40:47,719 --> 00:40:51,560
Speaker 2: you're making are not small, Like that's a massive life

936
00:40:51,640 --> 00:40:55,000
Speaker 2: changing thing, and like that's a lot, and I'm just

937
00:40:55,200 --> 00:40:57,520
Speaker 2: I'm so glad they have you, like they're so lucky.

938
00:41:00,360 --> 00:41:02,359
Speaker 4: Sometimes I really don't think that there's moments where I'm

939
00:41:02,400 --> 00:41:06,400
Speaker 4: probably a little bit too too cranky or too high maintenance.

940
00:41:06,440 --> 00:41:09,759
Speaker 2: Well wait until they're teenagers. They won't say that. They

941
00:41:09,800 --> 00:41:11,960
Speaker 2: won't say that, but like, live in the moment for

942
00:41:12,080 --> 00:41:15,120
Speaker 2: now exactly. I want to know. I feel like you

943
00:41:15,120 --> 00:41:18,720
Speaker 2: know with your DIY renovating, and like you seem pretty savvy.

944
00:41:18,800 --> 00:41:20,640
Speaker 2: What do you think your best money habit is?

945
00:41:21,040 --> 00:41:22,600
Speaker 5: Well, that is a good question.

946
00:41:23,600 --> 00:41:26,200
Speaker 4: I feel like my best money habit is also sometimes

947
00:41:26,239 --> 00:41:28,759
Speaker 4: my worst money habit in a way in that I

948
00:41:28,840 --> 00:41:32,719
Speaker 4: have spent an awful lot of time, probably because I

949
00:41:32,760 --> 00:41:37,120
Speaker 4: also have had a lot of time perfecting when things

950
00:41:37,320 --> 00:41:40,040
Speaker 4: go on sale, for example, so like I know exactly

951
00:41:40,120 --> 00:41:42,480
Speaker 4: per one hundred sheets, what I'm willing to spend on

952
00:41:42,480 --> 00:41:44,319
Speaker 4: toilet paper, so I won't buy if it's less than

953
00:41:45,040 --> 00:41:46,960
Speaker 4: you know, whatever it is, one hundred sheets. It's the

954
00:41:47,040 --> 00:41:49,759
Speaker 4: same with things like Peter Alexander sounds. I've decided we're

955
00:41:49,760 --> 00:41:52,160
Speaker 4: going to splurge on some pajamas, I know exactly when

956
00:41:52,200 --> 00:41:55,000
Speaker 4: to wait. So yeah, like I've worked all these little

957
00:41:55,000 --> 00:41:58,080
Speaker 4: hacks out, and I do not buy like anything full price.

958
00:41:58,360 --> 00:42:00,879
Speaker 4: I genuinely get this way if I have to buy

959
00:42:00,880 --> 00:42:03,840
Speaker 4: something full price. But obviously in times in the past,

960
00:42:03,880 --> 00:42:08,280
Speaker 4: that has led to buying things that I probably didn't need,

961
00:42:08,880 --> 00:42:12,000
Speaker 4: and therefore, you know, spending money that I didn't need

962
00:42:12,080 --> 00:42:13,720
Speaker 4: to spend just because I save some money.

963
00:42:13,960 --> 00:42:16,120
Speaker 5: So I am very aware of that. But at the

964
00:42:16,160 --> 00:42:17,680
Speaker 5: same time, I now have a.

965
00:42:17,640 --> 00:42:20,560
Speaker 4: List on my phone of things that I know we

966
00:42:20,600 --> 00:42:22,880
Speaker 4: will need coming up, and then I keep a bit

967
00:42:22,920 --> 00:42:24,799
Speaker 4: of an eye out. So that's been able to curb

968
00:42:24,840 --> 00:42:27,560
Speaker 4: that a little bit in the sense of overspending. So

969
00:42:27,920 --> 00:42:31,120
Speaker 4: I think I have, yeah, spent a lot of time

970
00:42:31,200 --> 00:42:34,240
Speaker 4: perfecting it, to be honest, But I know all different stores,

971
00:42:34,320 --> 00:42:37,799
Speaker 4: you know when their sales are most likely to happen. When, Yeah,

972
00:42:37,840 --> 00:42:40,000
Speaker 4: a lot of stores go on sale around like the

973
00:42:40,080 --> 00:42:42,080
Speaker 4: click frenzy times or like after Payday.

974
00:42:42,440 --> 00:42:46,200
Speaker 5: And even though even if I'm not really using those platforms.

975
00:42:46,360 --> 00:42:48,200
Speaker 4: I still know that there'll be a lot of good

976
00:42:48,239 --> 00:42:49,839
Speaker 4: sales and a lot of the time I won't buy

977
00:42:49,840 --> 00:42:52,200
Speaker 4: anything unless it's even like a further percentage off the

978
00:42:52,239 --> 00:42:54,840
Speaker 4: sale price. But you do obviously run a lot of

979
00:42:54,920 --> 00:42:56,640
Speaker 4: risks if you might if there's something you really want

980
00:42:56,640 --> 00:42:58,080
Speaker 4: and you wait that long, it might not be there.

981
00:42:58,080 --> 00:43:00,240
Speaker 4: It might not be acide you need those sort of things.

982
00:43:00,280 --> 00:43:04,680
Speaker 4: But I'm pretty okay with that. And yeah, to be honest,

983
00:43:04,680 --> 00:43:07,400
Speaker 4: I've probably waste a lot of my time doing that,

984
00:43:07,520 --> 00:43:09,840
Speaker 4: which sometimes drives me nuts. And I'll shot across like

985
00:43:09,880 --> 00:43:14,919
Speaker 4: supermarket specials each week, for example, which can just waste time.

986
00:43:15,000 --> 00:43:17,560
Speaker 4: So sometimes if when I have been working and a

987
00:43:17,560 --> 00:43:20,120
Speaker 4: bit time for I'm more likely to buy things at

988
00:43:20,160 --> 00:43:20,920
Speaker 4: higher prices.

989
00:43:21,280 --> 00:43:22,000
Speaker 5: But I'm okay with.

990
00:43:21,960 --> 00:43:25,640
Speaker 4: That, because you know, convenience, Yeah, exactly, So I've had

991
00:43:25,680 --> 00:43:30,040
Speaker 4: to balance that out. But I dare say that the

992
00:43:30,120 --> 00:43:33,279
Speaker 4: amount of effort and time I put into making sure

993
00:43:33,480 --> 00:43:37,959
Speaker 4: we don't overpay for anything at all has been yeah,

994
00:43:38,000 --> 00:43:39,760
Speaker 4: other than maybe at the time there with bills.

995
00:43:39,800 --> 00:43:41,400
Speaker 5: I don't like bills. I'll ignore bills.

996
00:43:41,760 --> 00:43:43,800
Speaker 2: No, I feel like that's fair. So what do you

997
00:43:43,840 --> 00:43:46,160
Speaker 2: think your worst money happened? Is is it that?

998
00:43:46,320 --> 00:43:49,640
Speaker 4: Probably? I would dare say I've had different worse money home.

999
00:43:49,680 --> 00:43:51,640
Speaker 4: Its like, for a while there it was I just

1000
00:43:51,680 --> 00:43:54,480
Speaker 4: would eat takeout or coffees for that year we had

1001
00:43:54,480 --> 00:43:57,760
Speaker 4: that money sitting in the bank account without even thinking

1002
00:43:57,920 --> 00:43:59,480
Speaker 4: about it. And I think for a while there I

1003
00:43:59,560 --> 00:44:04,120
Speaker 4: just got way with purchases and that I've rained right in.

1004
00:44:04,239 --> 00:44:08,440
Speaker 4: So let's say, yeah, currently, probably I just always feels

1005
00:44:08,440 --> 00:44:10,360
Speaker 4: like so much if it having to go and change

1006
00:44:10,400 --> 00:44:12,680
Speaker 4: and make phone calls. I hate making phone calls to

1007
00:44:12,760 --> 00:44:14,640
Speaker 4: try and see if we can get things lower or

1008
00:44:15,239 --> 00:44:17,080
Speaker 4: this and that. So I dare say, yeah, that at

1009
00:44:17,080 --> 00:44:19,840
Speaker 4: this point probably is my worst habit because I just

1010
00:44:20,040 --> 00:44:20,919
Speaker 4: really avoid it.

1011
00:44:21,080 --> 00:44:23,759
Speaker 2: Yeah, I feel like I hate making phone calls as well.

1012
00:44:23,760 --> 00:44:25,960
Speaker 2: But when you get on a roll and you get one, yes,

1013
00:44:26,080 --> 00:44:28,080
Speaker 2: You're like, I could get the rest of them. I'm

1014
00:44:28,080 --> 00:44:30,319
Speaker 2: going to keep going on this, So I feel like

1015
00:44:30,360 --> 00:44:32,319
Speaker 2: I need to like push you a little bit to go,

1016
00:44:32,520 --> 00:44:34,400
Speaker 2: why don't you just do like the car insurance and

1017
00:44:34,440 --> 00:44:35,480
Speaker 2: then see what happens?

1018
00:44:36,200 --> 00:44:37,319
Speaker 5: Yes, exactly, you know.

1019
00:44:37,360 --> 00:44:39,160
Speaker 4: I do find like if I make one full phone

1020
00:44:39,200 --> 00:44:41,240
Speaker 4: call on like, yeah, okay, I'm in the right energy

1021
00:44:41,239 --> 00:44:43,000
Speaker 4: and rights metal state now and I'll just make the

1022
00:44:43,040 --> 00:44:44,040
Speaker 4: whole ether frind calls.

1023
00:44:44,120 --> 00:44:47,279
Speaker 2: I hate making phone calls. I just don't like it. Like,

1024
00:44:47,320 --> 00:44:50,280
Speaker 2: if there is an option to email someone, I've already

1025
00:44:50,280 --> 00:44:54,440
Speaker 2: emailed you. But that's exactly how we're communicating money diarist.

1026
00:44:54,560 --> 00:44:57,120
Speaker 2: At the start of this episode, I said, what's your

1027
00:44:57,120 --> 00:44:59,000
Speaker 2: money grade? And you said, look, I reckon, I'm like

1028
00:44:59,040 --> 00:45:02,000
Speaker 2: middle ground. I think I'm I don't know. I want

1029
00:45:02,000 --> 00:45:04,000
Speaker 2: to kind of like argue with you on that because

1030
00:45:04,000 --> 00:45:06,600
Speaker 2: I think you're just you're better than a sea. But

1031
00:45:06,640 --> 00:45:08,399
Speaker 2: I'm not gonna argue with you because like that would

1032
00:45:08,400 --> 00:45:11,680
Speaker 2: be bored alone disrespectful. So I want to know as

1033
00:45:11,719 --> 00:45:13,960
Speaker 2: someone who's gone through the journey that you've gone through,

1034
00:45:14,200 --> 00:45:16,880
Speaker 2: and you have three beautiful babies and a loving husband,

1035
00:45:17,040 --> 00:45:19,320
Speaker 2: and you've bought property and sold property, and you've clearly

1036
00:45:19,320 --> 00:45:20,960
Speaker 2: got some good equity in the one that you've got,

1037
00:45:21,040 --> 00:45:23,160
Speaker 2: and like I know that you said, look, we went

1038
00:45:23,200 --> 00:45:26,200
Speaker 2: through that figure really quickly and we lost the buffer

1039
00:45:26,239 --> 00:45:28,600
Speaker 2: that we had. Like I don't think that defines it.

1040
00:45:28,640 --> 00:45:30,880
Speaker 2: I think that you actually used it how you your

1041
00:45:30,920 --> 00:45:33,560
Speaker 2: bloody needed to use it at the time, Like that's

1042
00:45:33,600 --> 00:45:37,239
Speaker 2: exactly what your family needed. Like, yes, you could have

1043
00:45:37,280 --> 00:45:39,880
Speaker 2: done something else with it, But at what cost, Like

1044
00:45:39,960 --> 00:45:42,560
Speaker 2: at the cost of not having the comfort during a

1045
00:45:42,600 --> 00:45:44,719
Speaker 2: really stressful period of time, at the cost of not

1046
00:45:44,760 --> 00:45:46,480
Speaker 2: having somebody that came through and cleaned your house and

1047
00:45:46,480 --> 00:45:48,359
Speaker 2: took away that mental load, and the cost of all

1048
00:45:48,400 --> 00:45:51,759
Speaker 2: of those other things. Right, do you genuinely think after

1049
00:45:51,800 --> 00:45:54,560
Speaker 2: having this conversation you're like, oh, V, I still think

1050
00:45:54,560 --> 00:45:55,080
Speaker 2: I'm as see.

1051
00:45:55,400 --> 00:45:57,480
Speaker 4: No, I must say I do, like after you've pointed

1052
00:45:57,480 --> 00:45:59,520
Speaker 4: out a couple of things, I definitely don't feel as

1053
00:45:59,520 --> 00:46:00,959
Speaker 4: bad about it as I probably did.

1054
00:46:01,800 --> 00:46:04,680
Speaker 2: Again, Look, I'm glad. I'm very glad, but.

1055
00:46:04,680 --> 00:46:06,200
Speaker 4: Like, I don't know if I'd put me in an A,

1056
00:46:06,400 --> 00:46:08,400
Speaker 4: but I'd at least helped me out to a bee.

1057
00:46:08,560 --> 00:46:10,600
Speaker 2: We can be a bee. But what in your eyes

1058
00:46:10,800 --> 00:46:13,359
Speaker 2: is like an A? Like what would that take to

1059
00:46:13,400 --> 00:46:16,280
Speaker 2: get you there? Is that you owning those three properties

1060
00:46:16,280 --> 00:46:18,440
Speaker 2: for your kids and like, you know, having paid off

1061
00:46:18,440 --> 00:46:20,200
Speaker 2: all of your hecks in doing all of those things,

1062
00:46:20,320 --> 00:46:22,400
Speaker 2: or is it like a mindset? What does that look like?

1063
00:46:22,520 --> 00:46:25,360
Speaker 4: I think for me at the moment, I would feel

1064
00:46:25,360 --> 00:46:28,000
Speaker 4: a bit more like the A if we could, like,

1065
00:46:28,040 --> 00:46:29,680
Speaker 4: I feel like I've got a few like another short

1066
00:46:29,760 --> 00:46:31,840
Speaker 4: term goals. At the moment, we are expending still a

1067
00:46:31,840 --> 00:46:35,000
Speaker 4: little bit over my husband's wage, so I'd really like

1068
00:46:35,080 --> 00:46:37,960
Speaker 4: to get that at least to begin with, back to

1069
00:46:38,120 --> 00:46:41,840
Speaker 4: like breaking even that what we're spending is the same

1070
00:46:41,880 --> 00:46:43,919
Speaker 4: as his wage, so we'd not kind of going into

1071
00:46:43,920 --> 00:46:46,799
Speaker 4: that savings. That would be my first kind of I

1072
00:46:46,800 --> 00:46:48,600
Speaker 4: think if we got to there, i'd feel a little

1073
00:46:48,600 --> 00:46:51,239
Speaker 4: bit like we were getting closer to that A. But

1074
00:46:51,320 --> 00:46:54,080
Speaker 4: I think longer term, to do that and be saving,

1075
00:46:54,560 --> 00:46:57,080
Speaker 4: then i'd be happy. Like, I don't think I necessarily

1076
00:46:57,080 --> 00:46:58,680
Speaker 4: need to get to those three properties to feel like

1077
00:46:58,719 --> 00:47:00,440
Speaker 4: I'm at the A. I just think I like to

1078
00:47:00,480 --> 00:47:04,120
Speaker 4: at least know that we are either saving or investing

1079
00:47:04,200 --> 00:47:06,480
Speaker 4: just a little bit to begin with, Like I'd be

1080
00:47:06,480 --> 00:47:09,640
Speaker 4: happy with that. I'd still obviously have the longer term goals.

1081
00:47:09,640 --> 00:47:12,400
Speaker 4: But if we were able to ye just manage us

1082
00:47:12,400 --> 00:47:15,160
Speaker 4: spending enough that we just were at least saving a little,

1083
00:47:15,320 --> 00:47:17,719
Speaker 4: I think I'd be happy and at that paid point

1084
00:47:17,880 --> 00:47:19,120
Speaker 4: for us anyway.

1085
00:47:18,800 --> 00:47:20,520
Speaker 2: I can get behind that, and I feel like you're

1086
00:47:20,600 --> 00:47:23,400
Speaker 2: perfectly on truck for that, Like that is not that

1087
00:47:23,520 --> 00:47:25,920
Speaker 2: far off. I feel like with your brain, like I

1088
00:47:25,960 --> 00:47:27,960
Speaker 2: can just see that you've got lots of places to

1089
00:47:28,000 --> 00:47:30,520
Speaker 2: be and lots of places to go. Money dist It

1090
00:47:30,560 --> 00:47:33,239
Speaker 2: has been an absolute privilege to learn more about you,

1091
00:47:33,360 --> 00:47:35,480
Speaker 2: about your journey, and like the idea that you're happy

1092
00:47:35,520 --> 00:47:37,880
Speaker 2: for me to share your journey with our community so

1093
00:47:37,920 --> 00:47:40,799
Speaker 2: that they can learn and they can you know, be

1094
00:47:40,800 --> 00:47:43,200
Speaker 2: better at money because you were so willing to share.

1095
00:47:43,640 --> 00:47:46,760
Speaker 2: I'm obsessed, like, thank you. It is really really valuable,

1096
00:47:46,760 --> 00:47:49,080
Speaker 2: and I'm just I'm very grateful that we got to

1097
00:47:49,080 --> 00:47:49,760
Speaker 2: cross parts.

1098
00:47:50,040 --> 00:47:52,080
Speaker 5: No, thank you, thanks for having me.

1099
00:47:52,320 --> 00:47:54,640
Speaker 2: Of course, Oh my gosh, I've adored this.

1100
00:48:01,000 --> 00:48:03,560
Speaker 6: The advice sheared on She's on the Money is general

1101
00:48:03,600 --> 00:48:04,799
Speaker 6: in nature and does not.

1102
00:48:04,880 --> 00:48:06,840
Speaker 2: Consider your individual circumstances.

1103
00:48:07,200 --> 00:48:10,600
Speaker 6: She's on the Money exists purely for educational purposes and

1104
00:48:10,640 --> 00:48:13,040
Speaker 6: should not be relied upon to make an investment or

1105
00:48:13,160 --> 00:48:16,760
Speaker 6: financial decision. If you do choose to buy a financial product,

1106
00:48:16,800 --> 00:48:20,800
Speaker 6: read the PDS TMD and obtain appropriate financial advice tailored

1107
00:48:20,840 --> 00:48:24,320
Speaker 6: towards your needs. Victoria Divine and She's on the Money

1108
00:48:24,360 --> 00:48:29,319
Speaker 6: are authorized representatives of Money. Sheper Pty LTD ABN three

1109
00:48:29,360 --> 00:48:32,239
Speaker 6: two one IS six four nine two seven seven zero

1110
00:48:32,360 --> 00:48:41,319
Speaker 6: eight AFSL four five one two eight nine