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Speaker 1: My name's Tatasha Bamblet. I'm a proud First Nations woman

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Speaker 1: and I'm here to acknowledge country. Te Glenn Young Ganya Niana,

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Speaker 1: kaka ya Ya Binahwaka nian Arka In Nimbini, yakarum Jar,

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Speaker 1: Dominyamiga Umaga, Ithawakawaman, damon Immalan, Bumba bang Gadaboma in and

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Speaker 1: now in Waka Ghana and yak rum Jar Watanadaa. Hello,

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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.

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Speaker 1: We thank acknowledge and respect the Aboriginal people's land that

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Speaker 1: we're gathering on today. Take pleasure in all the land

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Speaker 1: and respect all that you see. She's on the Money

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Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,

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Speaker 1: knowledge and resources for you to thrive.

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Speaker 2: She's on the Money. She's on the Money.

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

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Speaker 3: that makes personal finance is fun, especially on Fridays. Thank

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Speaker 3: you for joining us for another episode of Friday Drinks,

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Speaker 3: which is the time of the week where we get

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Speaker 3: together to rejoice in our faculous community from their money

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Speaker 3: dilemmas right through to their money wins. I'm Victoria Divine

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Speaker 3: and with me today is the brilliant Beck Sayed and

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Speaker 3: the joyful Jesse Rici. Okay, if we are doing alliterative introductions, okay,

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Speaker 3: welcome and as per usual, we are bringing you the

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Speaker 3: best broke tips of the week plus money wins worth celebrating.

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Speaker 3: And let's just say that there are definitely a few

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Speaker 3: things to celebrate, like a money dilemma where one listener

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Speaker 3: is maximizing their money goals and out earning their partner. Sorry,

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Speaker 3: what's the dilemma? And we'll also be discussing a dm

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Speaker 3: about the money shame that's often passed on through our families.

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Speaker 3: I would say it's a tough one and we are

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Speaker 3: definitely here to help you through it. My friend, if

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Speaker 3: you'd like your money dilemma answered on the pod, what

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Speaker 3: you're going to do is leave us a message by

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Speaker 3: visiting the podcast page when she's on the Money dot Com.

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Speaker 3: There's a little tab where you can leave us a voicemail.

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Speaker 3: And we love listening back to them all, even the

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Speaker 3: ones where you're just leaving us of war and there

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Speaker 3: are no questions like I listened to all of them.

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Speaker 3: It is very, very cute. But speaking of listening back,

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Speaker 3: would you guys like to listen to a five star review?

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Speaker 2: Yes.

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Speaker 3: We have recently run through all of our podcast reporting,

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Speaker 3: and while it's really nice to see the charts and

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Speaker 3: the numbers and the graphs of all of it, not

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Speaker 3: one thing beats hearing from you guys in person and

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Speaker 3: reading your reviews. This one comes from our friend Teresa. Hi, guys,

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Speaker 3: love the show. I'm a teacher and was given a

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Speaker 3: set of boring generic slides to teach students about money, credit,

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Speaker 3: and banking. I scrapped the slides and I used all

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Speaker 3: of my shoes on the money knowledge to teach my

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Speaker 3: students about how to open a bank account, how interest works,

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Speaker 3: and the importance of budgeting. My student said it was

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Speaker 3: extremely useful, and they didn't even move when the bell

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Speaker 3: went for the next class. They I know, right, like,

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Speaker 3: do you remember packing up?

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Speaker 4: I was airborne before the bell.

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Speaker 3: But she said, these are such useful life skills. So

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Speaker 3: thank you for all the knowledge that helps me to

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Speaker 3: make a difference to the next generation.

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Speaker 2: My queen, you're the one making the difference to the

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Speaker 2: next generation.

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Speaker 5: If someone had done that for me when I was

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Speaker 5: in school, that's really cool And how often have we

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Speaker 5: actually thought why weren't we taught this at school? Well,

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Speaker 5: you're out here doing it and supercharging the cellabus with

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Speaker 5: practical examples.

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Speaker 3: Hell yeah, I'm obsessed to hear it. If you've found

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Speaker 3: our podcast helpful, insightful, or educational, even my friends, we

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Speaker 3: implore you, could you pretty please with a dollar on top?

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Speaker 3: Leave us a five star review on Apple Podcasts, Spotify

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Speaker 3: or wherever you get your podcasts.

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Speaker 2: You can even email them to me. That's happened before.

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Speaker 3: I'll take them however you are willing to give them anyway.

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Speaker 3: We've done it, guys, we've hit the classroom. You can

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Speaker 3: tell my economics teacher now that she's made a big

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Speaker 3: that's huge and she was a nasty pasty.

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Speaker 2: So, oh, my friends, are you ready for a question

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Speaker 2: yes the week?

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Speaker 3: This is a little bit of a change of pace

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Speaker 3: because the question of the week is exciting. And can

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Speaker 3: I just tell you that the team and I have

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Speaker 3: been sitting on this one for the two of you,

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Speaker 3: saving it for when we were able to answer it.

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Speaker 2: And here is why. Okay, Jessica asks great name.

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Speaker 3: If Vic, Jess and Beck were an iconic group of three,

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Speaker 3: aside from the finance angels that they are.

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Speaker 2: Would you be the Charmed Sisters?

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Speaker 1: Oh?

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Speaker 2: Would you be Mean Girls?

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Speaker 3: Would you be Charlie's Angels, the powder Puff Girls or

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Speaker 3: something completely different?

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Speaker 5: Powerpuff Girls did jump into my mind when you said

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Speaker 5: iconic trio, shock Gun bubbles obviously.

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Speaker 2: Yeah, like all yours, bab Yeah.

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Speaker 4: Would you be what's the green one?

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Speaker 5: Blossom, butter Cup, butter cups and blossom, but the red one?

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Speaker 6: Oh?

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Speaker 2: Okay, okay, it would be the red one. I feel

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Speaker 2: like it would be too. Yeah, you've got a red

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Speaker 2: earring always.

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Speaker 4: Yeah, I feel like that feels right. I'm thinking Power

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Speaker 4: Up Girls as well.

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Speaker 2: But who else would we be?

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Speaker 5: I did also love Charmed, Charmed the Iconic show. I

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Speaker 5: had the DVD box set of Charmed.

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Speaker 3: Someone in our DMS the other day said that our

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Speaker 3: deep dives feel like Pinky in the brain with like

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Speaker 3: beck can I, And I was like, that is awesome,

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Speaker 3: because like pinky is so much fun and the brain

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Speaker 3: is a loser. That's not true, yeah, but also like

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Speaker 3: that dynamic is fun. I can't think of any trios.

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Speaker 3: I can only think of duos.

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Speaker 4: I think that with trios there's always one that everyone forgets,

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Speaker 4: like Destiny's child is always like the other one, you

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Speaker 4: know what I mean. So I'm like, we would be

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Speaker 4: a trio.

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Speaker 2: Yeah, no one cares about Buttercup in the powder Buttually

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Speaker 2: it's like everyone and the Red One.

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Speaker 4: So but I think with our trio we would all

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Speaker 4: be known.

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Speaker 2: Yeah, exactly. Guess what what? She's on the money?

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Speaker 4: Yes, that's true. I'm gonna go Charmed or Powerpuff Girls

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Speaker 4: or she's in the money.

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Speaker 2: I don't want to be mean girls. No, we could

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Speaker 2: do it, though, No, No, I just.

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Speaker 4: Wait, which one is Damien the guy who gives the pick?

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Speaker 2: I want my picture back.

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Speaker 4: Seeing a lot of the movies, I'm Glenn, Coco, you

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Speaker 4: go Coco. I would be the obviously the lesbian one

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Speaker 4: at the very end of Janice, Yeah you're Janus, I'm Janis.

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Speaker 2: No one's allowed to be Regina George's she's too mean. Yeah, yeah,

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Speaker 2: she's too mean? Yea, I endorse that. Can I be

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Speaker 2: Regina George's mom? Though? Oh hell yeah, oh my god,

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Speaker 2: iconic woman. I'm not a regular mom. I'm a cool mum.

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Speaker 2: You guys need anything, all right? So what are we

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Speaker 2: settling on?

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Speaker 1: Oh?

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Speaker 2: I'm going Tom Powerpuff Girls. All right, all right, my

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Speaker 2: iconic behavior.

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Speaker 3: Really we love your questions, my friends, so please please

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Speaker 3: please keep them coming, send them on to us via

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Speaker 3: our socials, slip into our d ms. Just honestly make

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Speaker 3: it interesting, just like Jennifer did.

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Speaker 2: That's a great question, thank you. All right. Moving on

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Speaker 2: from that, we need a more meant for our money wins.

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Speaker 3: Miss Jesse Gourici every single week gathers the best moments

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Speaker 3: worth sharing on our main Jess, where's our community winning

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Speaker 3: at this week?

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Speaker 2: Alrighty?

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Speaker 5: Firstly, Monique said her daughter's laptop died right before study period.

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Speaker 5: She obviously needs it for UNI eighteen hundred dollars to

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Speaker 5: replace it lack for like, but she's decided she likes

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Speaker 5: the MacBook Neo because it's lighter to carry. They offer

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Speaker 5: a student discount, so it was only seven hundred and

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Speaker 5: forty nine dollars and then she also got two percent

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Speaker 5: cash back as well.

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Speaker 2: That's pretty good for a laptop I know.

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Speaker 5: And that's the one that comes in the really cute

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Speaker 5: pink color I've seen online. So double money win.

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Speaker 2: For a new work laptop. Give it a hold. Second,

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Speaker 2: it's going to need to.

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Speaker 5: Be pink next I've got money in from Jade, who said,

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Speaker 5: I've managed to revamp my living room and dining room

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Speaker 5: with floor to ceiling shears from Kmar and it cost

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Speaker 5: me less than five hundred dollars.

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Speaker 2: Excuse me, came out of doing shes I don't, And

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Speaker 2: they look really good, like Jade popp a photo in.

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Speaker 2: They look great.

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Speaker 4: My goodness, someone who's in the market.

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Speaker 2: I knew that Freedom was doing them. I didn't know that,

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Speaker 2: you know, the bigger do were playing this game as well.

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Speaker 5: And under five hundred dollars seems like compared to the

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Speaker 5: quotes I've heard quite good. Next, I've got money in

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Speaker 5: from Natasha, who said I was looking at the Q

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Speaker 5: sale page and I was about to drop one hundred

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Speaker 5: and fifty bucks on new pants for work. But I

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Speaker 5: jumped on eBay and I got myself a brand new

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Speaker 5: pair that still had the tags attached for forty five

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Speaker 5: dollars including shipping.

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Speaker 2: A great funny win. God, we love a second hand bargain,

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Speaker 2: especially if you're looking for something specific and then you

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Speaker 2: find it on eBay.

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Speaker 5: There is truly no better feeling when you find exactly

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Speaker 5: what you want, exactly your size.

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Speaker 2: Yep, and the color you want.

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Speaker 3: I just bought a pair of Lululemon tights brand new

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Speaker 3: with the tags a color that they don't have in

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Speaker 3: stock anymore, from like two seasons ago, because I wanted

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Speaker 3: this specific pink.

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Speaker 4: If you know, you know, eBay, I agree muddy.

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Speaker 5: Samaria said, Glue Stories closing down, so she got three

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Speaker 5: hundred dollars worth of nude lucy jeans for eighty money win,

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Speaker 5: and then Haley said, money loss. We've just re located

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Speaker 5: from one rental to another because they were selling within

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Speaker 5: a month. This one where in is selling as well.

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Speaker 5: Oh no, which is just the worst luck in the world.

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Speaker 5: But she did have a money win. She said, I

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Speaker 5: did our grocery shop for a family of five for

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Speaker 5: under a hundred dollars this week. We shopped our cupboard,

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Speaker 5: our fridge, and our freezer and got creative with the

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Speaker 5: help of AI and freed up approximately two hundred and

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Speaker 5: fifty dollars to go into our savings this week.

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Speaker 2: Wow, stop it. That's phenomenal, really well done.

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Speaker 5: And last one for this week is from Jamie who

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Speaker 5: said money win over the weekend. My recently started cleaning

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Speaker 5: business side hustle has now just broken even and I

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Speaker 5: am officially in the green.

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Speaker 2: Nothing like a bit of Elberg grease paying off. I

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Speaker 2: love that.

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Speaker 3: That's very exciting money wins. I'm always in that thread.

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Speaker 3: I'm always looking, i love reading, I'm always snooping And

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Speaker 3: do you know what the worst thing about money winds

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Speaker 3: thread is sometimes it makes me a little bit impulsive

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Speaker 3: because people are like, oh, this is on sale or

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Speaker 3: I just got this cheir and I'm like.

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Speaker 2: I want that too. Yeah, So like read with caution

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Speaker 2: my friends.

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Speaker 3: As you guys also know, our community is exceptional at

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Speaker 3: sharing their broke tips. Beck, you've got a pick of

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Speaker 3: the litter this week. What tips do you have for

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Speaker 3: us that you are willing to share and pass on?

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Speaker 4: Okay, so this week I've got one from Georgia who

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Speaker 4: says that she had her car service to caut my

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Speaker 4: Car and earned Flybys points as well. So I don't

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Speaker 4: know if you guys know this, but she says after

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Speaker 4: the service, I received an email with details of a

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Speaker 4: promotion between came Up my Car and Shell already expressed

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Speaker 4: servos where I can get seventeen cents off per lita

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Speaker 4: once a week for eight weeks.

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Speaker 2: It gets better.

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Speaker 4: The promotion can also be stacked with fuel discounts I

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Speaker 4: earned through doing my groceries and calls, so I say,

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Speaker 4: twenty one cents per liter and was still able to

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Speaker 4: earn Flybys points.

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Speaker 3: Excuse me, she's like a point stacking hacking queen. Hell yeah,

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Speaker 3: isn't that amazing? Twenty one cent a leader.

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Speaker 4: That's astronomical totally, And when I mean the petrol's okay now,

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Speaker 4: which means it's even cheaper. But when it was like hectic,

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Speaker 4: it's like you, it barely would have like touched her,

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Speaker 4: you know.

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Speaker 3: And I'm a little bit scared because I think that

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Speaker 3: it's gonna get worse real soon.

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Speaker 1: Nah.

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Speaker 2: Sorry, I see our peel x is lifting.

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Speaker 3: Oh okay, that we're not going to get that discount

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Speaker 3: passed on to us, and so it's going to get

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Speaker 3: a little bit spicy CeNSE off a leader sounds might

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Speaker 3: yps Stash it in your back pocket and start using

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Speaker 3: it now.

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Speaker 4: Great idea, good idea. Okay. The next one comes from Danny,

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Speaker 4: who says joining Queensland Country Bank smart budget was the

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Speaker 4: best decision I've ever made. We're able to transfer a

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Speaker 4: set amount every week slash fortnite to cover literally every

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Speaker 4: single bill throughout the year with one hundred percent full

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Speaker 4: confidence all our bills are covered. They also put a

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Speaker 4: ten percent contingency on top of every bill, which then

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Speaker 4: goes into your rainy day account. It's called Queensland Country

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Speaker 4: Bank Smart Budget, so that's the full name of it.

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Speaker 4: It's quite a mouthful. So if you're in Queensland, I'm

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Speaker 4: assuming just like check it out. It sounds like I

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Speaker 4: don't know what the hell they're doing, but to be

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Speaker 4: able to cover every single bill with one hundred percent

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Speaker 4: full confidence, I'm like, I've never ever made life.

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Speaker 2: That is what that kind of budgeting is going to

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Speaker 2: do for you.

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Speaker 4: It is, but it's also this ten percent and contingency

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Speaker 4: on top of every bill, which I have no idea

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Speaker 4: what that means, but it just means.

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Speaker 2: That they're adding ten percent to every bill.

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Speaker 3: They are or the bank is no, no, no, Like

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Speaker 3: they're budgeting and they're being told put an extra ten

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Speaker 3: percent aside because if something goes wrong, you'll have a

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Speaker 3: contingency plan and you'll be okay.

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Speaker 2: And that is what good budgeting is going to do

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Speaker 2: for you. My friend, God, yeah, I love it.

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Speaker 4: And then my one for this week my friends went

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Speaker 4: to I think Argentina or something like that. Okay, nice,

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Speaker 4: Actually they didn't be europe trip, I should say, but

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Speaker 4: that doesn't sound like a money I don't know, it doesn't,

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Speaker 4: it doesn't. But they said that they barely paid for

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Speaker 4: accommodation because they just like looked up. There's a few

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Speaker 4: of them, but Trusted house Sitters is the one that

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Speaker 4: they used, and they just like genius went around the

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Speaker 4: world and the house sat Maybe they had to like

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Speaker 4: feed a dog here or there, but for the most

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Speaker 4: part they were just like living in people's houses or

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Speaker 4: that's my dream.

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Speaker 5: So cool.

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Speaker 3: So when I travel and I think you're the same jest,

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Speaker 3: we just missed our pets. Like you go away and

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Speaker 3: you're like I cannot wait for a two week holiday,

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Speaker 3: And then I'm on the holiday and I'm like, I

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Speaker 3: wonder what Lucy's doing. Yeah, she's having a good time,

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Speaker 3: and I know she's fine. But imagine getting a pet

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Speaker 3: while you're overseas. I know, el'st call me up. If

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Speaker 3: you live in London and you've got a bougie apartment,

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Speaker 3: I'm come live with you and pat your dog.

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Speaker 4: And sometimes you don't need to even take care of

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Speaker 4: a pet because people just want someone in their house,

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Speaker 4: like make sure everything's okay in the world. So you

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Speaker 4: might not even have any responsibility except for, like, I don't.

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Speaker 2: Know, not breaking their stuff. I think it's a great idea.

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Speaker 2: I love that.

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Speaker 3: All right, Well, we're about to take a really quick break,

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Speaker 3: but when we get back, we'll be discussing a pretty

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Speaker 3: pleasant money dilemma about earning well and wanting to know

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Speaker 3: just how much to commit to as a money goal

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Speaker 3: without overstretching.

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Speaker 2: So guys, stay tuned.

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Speaker 4: Welcome back, everybody. Let's take a listen to this week's

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Speaker 4: money dilemma.

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Speaker 7: Hi, there, have you got a money dilemma you just

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Speaker 7: can't solve? That She's on the Money team is here

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Speaker 7: to help. Every week we tackle your dilemmas, both big

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Speaker 7: and small, to answer your most burning money, career and

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Speaker 7: life questions. To get involved, simply head to our website

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Speaker 7: and leave us a short voice recording and you might

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Speaker 7: just find yourself on the show.

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Speaker 2: Now, let's take a listen to this week's money dilemma.

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Speaker 2: Have your friend to the girls that she's on the money.

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Speaker 4: I've tried to do this recording a few times.

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Speaker 6: It's actually quite hard.

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Speaker 2: Just looking for some advice.

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Speaker 1: My partner and I have her just a.

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Speaker 6: Property together using his equity and my cash. I do

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Speaker 6: have a bit more spendable income than heed us, so

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Speaker 6: I'm struggling a little bit trying to find balance between

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Speaker 6: wanting to knock down these goals as quick as possible,

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Speaker 6: but also not trying to over extend myself where I

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Speaker 6: feel like I'm contributing significantly more than his. We both

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Speaker 6: do have our own offset accounts. But just looking at

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Speaker 6: any other advice on how to balance this, what's still

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Speaker 6: tackling these goals?

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Speaker 3: Thank you?

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Speaker 2: I love this question. This queen has more money than

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Speaker 2: her partner, big money win.

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Speaker 3: But also I just feel like it's it's a flex

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Speaker 3: to be the female in the relationship earning more Like

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Speaker 3: don't get me wrong, I want a relationship built on

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Speaker 3: equity and like what's mine is yours and what's yours

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Speaker 3: is mine like in my household, right yeah, but low

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Speaker 3: key in the background, just knowing that like the women.

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Speaker 2: Are now becoming the breadwinners, like pop off queen.

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Speaker 7: I love this.

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Speaker 2: What do you reckon, Jess?

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Speaker 3: When it comes to maybe over extending yourself and not

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Speaker 3: wanting to spend more on goals than your partner is.

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Speaker 5: I think for most people there's going to be a

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Speaker 5: situation where one partner is out earning the other. Like

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Speaker 5: I think it's it's just like the way of the world.

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Speaker 5: Who that is either way. But I think it's going

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Speaker 5: to be very rare that you're both in a position

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Speaker 5: where contributing the same exact amount makes the most sense financially.

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Speaker 5: I would maybe look at doing it as a percentage

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Speaker 5: of income, so you know, you each contribute twenty percent

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Speaker 5: of your income.

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Speaker 2: Towards the goals or whatever.

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Speaker 5: I think it is going to depend on how you

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Speaker 5: approach finances. Like you've said, ved for you and your partner,

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Speaker 5: everything is it's our money, right, it doesn't matter who

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Speaker 5: earns it or how much it is.

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Speaker 2: It belongs to both of you.

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Speaker 5: I understand that when you are you know, not everybody

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Speaker 5: chooses to manage their money that way. That's not how

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Speaker 5: my partner and I do it.

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Speaker 2: It's not always the smartest decision.

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Speaker 5: Yeah, And there's all these different factors that can come

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Speaker 5: into it. So I think percentage base makes it feel

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Speaker 5: a bit more fair because you do have to acknowledge

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Speaker 5: that the person who earns more money is in a

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Speaker 5: more comfortable position, like it's just the nature of the beast,

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Speaker 5: and so finding a way that you can contribute equal

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Speaker 5: feeling amounts I think is important so nobody feels uncomfortable.

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Speaker 5: But also, you know, if you are working towards shared goals,

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Speaker 5: I'm of the mindset of, well, if you can get

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Speaker 5: there faster, like why not, and you can put protections

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Speaker 5: in place. I think it's important to think about worst

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Speaker 5: case scenario. We all know me, I'm a catastrophizer. So really,

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Speaker 5: if we're saving for a house deposit and you know

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Speaker 5: you're putting in double what your partner's putting in, can

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Speaker 5: we put something in place to say that God forbid everything?

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Speaker 5: You know when a shape that you're getting back what

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Speaker 5: you put in. So making sure you have those conversations.

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Speaker 5: You can formalize things in writing or speak to your

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Speaker 5: legal counsel and stuff like that. But I think ultimately

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Speaker 5: percentages to me, feels like a much more fair way

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Speaker 5: to approach it.

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Speaker 2: But again, it's totally up to you guys.

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Speaker 5: In the way that you handle money.

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Speaker 2: There's really no right or wrong.

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Speaker 4: Yeah, I think like if it's renting or if it's

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Speaker 4: any other like you know, groceries and stuff like that.

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Speaker 4: I feel like equity is so fine, like maybe you

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Speaker 4: can like pay most of the utility bills, spend most

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Speaker 4: on the groceries, whatever, whatever equity looks like in your relationship.

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Speaker 4: But when it comes to this house, I would do

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Speaker 4: the same. I'd be like, oh, maybe I'll put like

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Speaker 4: two thousand dollars and you put one thousand dollars per month.

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Speaker 4: But I think just keeping track of that, and like

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Speaker 4: you're having something in writing so that if you do

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Speaker 4: separate in the future and you need to like sell

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Speaker 4: the house, then it's just like even if they turn

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Speaker 4: to a really mean person and they you know, fighting

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Speaker 4: for you know more of it. It's like you have

403
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Speaker 4: it in writing. No matter what happens, you will get

404
00:17:54,760 --> 00:17:56,520
Speaker 4: at least you know what you've put in. I think.

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Speaker 4: So I think that just just that part of it,

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Speaker 4: just that portion of it, have it in writing the

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Speaker 4: rest of your life, equity, whatever, whatever you know, Do

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Speaker 4: it feels good?

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Speaker 2: Do it feels good? What do you think? I think

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Speaker 2: what you think? And that's really hard.

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Speaker 3: And I know that this is, you know, a money

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Speaker 3: dilemma because you're like, how do I balance my money

413
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Speaker 3: goals without overextending, Well, I think you need to step

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Speaker 3: back and have some conversations without your partner, just with yourself,

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Speaker 3: like what are your money goals? What are you trying

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Speaker 3: to commit to? What do you mean by over extending?

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Speaker 3: Like what does that actually look like? Are you saying

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Speaker 3: that you're worried you'll commit too much to these goals

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Speaker 3: and you've got other goals? Well, then those other goals

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Speaker 3: are important as well, So like, what do you mean

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Speaker 3: by over extending?

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Speaker 2: Does that make sense?

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Speaker 3: Like, let's have a chat with ourselves and then take

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Speaker 3: that knowledge into the conversations that we're having with our partner.

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Speaker 2: Because if I'm just having conversations with my.

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Speaker 3: Partner, right he wants to go on golf trips, he

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Speaker 3: wants to do things that I'm not that interested in

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Speaker 3: in that aspect. I mean, he'll probably say, oh, I

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Speaker 3: want to go on a family holiday. Great, I'm interested

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Speaker 3: in yeah. But if I'm not coming to that conversation

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Speaker 3: with other things that I want to achieve, well, then

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Speaker 3: we're just looking at the budget and divving it up

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Speaker 3: amongst the goals. And then you know, a year from now,

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Speaker 3: I'll be like, oh, but we haven't done anything for

435
00:19:11,080 --> 00:19:14,680
Speaker 3: me well, whose fault is that? Like, and we're not

436
00:19:14,720 --> 00:19:17,200
Speaker 3: playing a blame game, but like, come to the conversation

437
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Speaker 3: being like, oh, I would really like to achieve a

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Speaker 3: B or C or like, your goals might look completely different.

439
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Speaker 3: You might say, well, actually, I really want to save

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Speaker 3: up and I want to buy a bike, I want

441
00:19:27,200 --> 00:19:29,560
Speaker 3: to get into cycling, and you know, this is what

442
00:19:29,640 --> 00:19:32,320
Speaker 3: I'm budgeting. Like, it doesn't matter what it is. But

443
00:19:32,520 --> 00:19:35,720
Speaker 3: come to the conversation with an understanding of what overextending

444
00:19:35,800 --> 00:19:39,560
Speaker 3: might look like, because more often than not, from my experience,

445
00:19:39,600 --> 00:19:42,959
Speaker 3: when people say they don't want to overextend themselves, they

446
00:19:43,240 --> 00:19:45,880
Speaker 3: might not actually have a specific goal in mind either.

447
00:19:46,200 --> 00:19:47,760
Speaker 3: They might just be like, I just don't want to

448
00:19:47,840 --> 00:19:50,600
Speaker 3: feel like I can't seize an opportunity Victoria, which is

449
00:19:50,640 --> 00:19:53,520
Speaker 3: all great, fair, we just need some wiggle room in

450
00:19:53,560 --> 00:19:55,960
Speaker 3: our budget. That means that we'll you know, top up

451
00:19:56,000 --> 00:19:59,000
Speaker 3: a savings fund for something in the future. We don't

452
00:19:59,040 --> 00:20:00,960
Speaker 3: know what that means. We don't know what that's for,

453
00:20:01,440 --> 00:20:03,359
Speaker 3: but it just means that instead of budgeting. You know,

454
00:20:03,520 --> 00:20:06,000
Speaker 3: you said before you do a thousand dollars a month, Well, great,

455
00:20:06,000 --> 00:20:08,680
Speaker 3: maybe we do nine hundred dollars a month. And I'm

456
00:20:08,680 --> 00:20:11,840
Speaker 3: putting some aside for you know, me to be spontaneous.

457
00:20:12,400 --> 00:20:15,240
Speaker 3: So for me, when people have always historically said, oh,

458
00:20:15,280 --> 00:20:18,760
Speaker 3: I don't want to overextend, it's usually I don't want

459
00:20:18,800 --> 00:20:21,400
Speaker 3: to commit to something because I don't know what else

460
00:20:21,440 --> 00:20:22,159
Speaker 3: I might want to do.

461
00:20:23,080 --> 00:20:24,840
Speaker 2: And that's okay, that's all right.

462
00:20:24,960 --> 00:20:26,920
Speaker 3: Let's just make sure we've got some wiggle room in

463
00:20:26,960 --> 00:20:30,080
Speaker 3: our budget so that you know, the entire budget isn't

464
00:20:30,119 --> 00:20:32,959
Speaker 3: your mortgage to repayment, and yeah, you can't do anything.

465
00:20:33,359 --> 00:20:35,159
Speaker 2: Yeah, does that make sense? So good abye?

466
00:20:36,000 --> 00:20:40,560
Speaker 3: Thanks, I made it up myself. Look, we stan a voicemail.

467
00:20:40,760 --> 00:20:43,879
Speaker 3: I love hearing your voices in my ear holes, but

468
00:20:44,000 --> 00:20:46,320
Speaker 3: we also accept your dilemmas in DM form. And this

469
00:20:46,560 --> 00:20:50,320
Speaker 3: one comes from one of our followers who writes, Hi, guys,

470
00:20:51,000 --> 00:20:53,720
Speaker 3: my mummy dilemma is how do I become more comfortable

471
00:20:53,800 --> 00:20:57,119
Speaker 3: with talking about my finances with my partner. We've been

472
00:20:57,200 --> 00:21:00,200
Speaker 3: together for eighteen months and we are planning to get

473
00:21:00,240 --> 00:21:03,280
Speaker 3: married next year. My partner is very open about his

474
00:21:03,440 --> 00:21:08,040
Speaker 3: finances and wants to have a relationship discussion about our finances.

475
00:21:07,520 --> 00:21:08,200
Speaker 2: For the future.

476
00:21:08,920 --> 00:21:11,800
Speaker 3: I have twelve thousand dollars in savings, but I have

477
00:21:11,920 --> 00:21:14,640
Speaker 3: ten thousand dollars in credit card debt from a European holiday,

478
00:21:14,720 --> 00:21:17,800
Speaker 3: and I know I can hear Victoria's voice saying, well, actually,

479
00:21:17,880 --> 00:21:19,879
Speaker 3: you don't have savings if you have debt, which I

480
00:21:20,000 --> 00:21:23,560
Speaker 3: totally get. That's so funny because that's what I was thinking.

481
00:21:24,960 --> 00:21:27,399
Speaker 3: But I've read your book and have been making double

482
00:21:27,440 --> 00:21:30,000
Speaker 3: the minimum payments each month and I make extra when

483
00:21:30,040 --> 00:21:32,640
Speaker 3: I can. It was originally a fifteen thousand dollar debt,

484
00:21:32,840 --> 00:21:34,639
Speaker 3: and I feel a lot of shame around telling my

485
00:21:34,760 --> 00:21:37,560
Speaker 3: partner about this, as I'm embarrassed. I even got a

486
00:21:37,600 --> 00:21:40,000
Speaker 3: credit card because my mum had multiple growing up, and

487
00:21:40,080 --> 00:21:43,040
Speaker 3: I actually had to declare bankruptcy when I was sixteen.

488
00:21:43,600 --> 00:21:46,800
Speaker 3: Money talk makes me so uncomfortable due to the upbringing

489
00:21:46,880 --> 00:21:49,440
Speaker 3: that I've had. I still can't speak about money out loud,

490
00:21:49,520 --> 00:21:51,160
Speaker 3: and I feel so much shame.

491
00:21:51,359 --> 00:21:55,040
Speaker 2: What do I do? Do I want to hug you?

492
00:21:55,280 --> 00:21:57,040
Speaker 2: I know I want to hug you. Do you know

493
00:21:57,080 --> 00:22:00,240
Speaker 2: what relatable? Feel like?

494
00:22:00,240 --> 00:22:02,680
Speaker 4: I relate to this person because I really crashed out

495
00:22:02,680 --> 00:22:04,280
Speaker 4: the other day at my friends because I was trying

496
00:22:04,280 --> 00:22:08,280
Speaker 4: to say that I'm in this position financially, not purely

497
00:22:08,320 --> 00:22:10,440
Speaker 4: because of the upbringing, but that's certainly some of it

498
00:22:10,560 --> 00:22:12,560
Speaker 4: the same way you like have your mannerisms or the

499
00:22:12,600 --> 00:22:16,239
Speaker 4: way you view the world or every single thing. I mean,

500
00:22:16,359 --> 00:22:18,760
Speaker 4: some things are what is it nature, but a lot

501
00:22:18,800 --> 00:22:20,320
Speaker 4: of things are nurture. And so I feel like when

502
00:22:20,320 --> 00:22:22,240
Speaker 4: you're talking to someone who can't or won't or you're

503
00:22:22,280 --> 00:22:24,800
Speaker 4: worried that they won't fully understand where you've come from

504
00:22:24,880 --> 00:22:28,040
Speaker 4: and your journey and your relationship with money, and you

505
00:22:28,160 --> 00:22:30,560
Speaker 4: feel like they'll be dismissive or just not take everything

506
00:22:30,560 --> 00:22:33,720
Speaker 4: into consideration or just not even be able to understand

507
00:22:34,160 --> 00:22:36,480
Speaker 4: where you're coming from, then it is really scary. But

508
00:22:36,760 --> 00:22:39,280
Speaker 4: I think that having an honest, open conversation about like

509
00:22:39,359 --> 00:22:42,560
Speaker 4: your relationship with money before I suppose even talking about

510
00:22:42,600 --> 00:22:43,359
Speaker 4: money might help.

511
00:22:43,760 --> 00:22:43,960
Speaker 2: For me.

512
00:22:44,040 --> 00:22:47,960
Speaker 4: It's like the anxiety of knowing that the person won't

513
00:22:48,400 --> 00:22:51,840
Speaker 4: really get it, the feeling of feeling like sickness or

514
00:22:51,920 --> 00:22:55,919
Speaker 4: something like or yeah, just knowing that you might be misunderstood.

515
00:22:56,359 --> 00:22:59,119
Speaker 4: It's really not the money even, it's just like hoping

516
00:22:59,240 --> 00:23:01,959
Speaker 4: that they see all of you and your full story

517
00:23:02,760 --> 00:23:05,879
Speaker 4: while talking about money, you know, and so I forget

518
00:23:06,040 --> 00:23:09,000
Speaker 4: that yeah, yeah, And it's like hopefully, like if you're

519
00:23:09,000 --> 00:23:10,600
Speaker 4: planning to get married with this person. I'm sure they're

520
00:23:11,000 --> 00:23:14,160
Speaker 4: quite understanding and empathetic and hopefully have the emotional intelligence

521
00:23:14,280 --> 00:23:16,879
Speaker 4: enough to yeah, kind of see you and see all

522
00:23:16,960 --> 00:23:18,960
Speaker 4: of you and see your whole money story. But I

523
00:23:19,000 --> 00:23:22,920
Speaker 4: think talking about that first and then talking about money,

524
00:23:23,040 --> 00:23:25,520
Speaker 4: because that will really help I think along the way

525
00:23:25,600 --> 00:23:28,240
Speaker 4: I feel like when I was in this situation, and

526
00:23:28,320 --> 00:23:30,760
Speaker 4: maybe you'll resonate with this beck and maybe even you

527
00:23:30,920 --> 00:23:33,720
Speaker 4: just because you've been in debt before as well. I

528
00:23:33,800 --> 00:23:36,800
Speaker 4: don't want to be judged, but I also don't want

529
00:23:36,800 --> 00:23:40,200
Speaker 4: to be dismissed, so like I want to be able

530
00:23:40,200 --> 00:23:41,800
Speaker 4: to have a conversation and be like, oh, this is

531
00:23:41,880 --> 00:23:45,440
Speaker 4: really hard for me. But I don't want someone to say, oh, Jess,

532
00:23:45,480 --> 00:23:47,680
Speaker 4: it's not that deep, don't worry about it, because to me,

533
00:23:47,800 --> 00:23:50,720
Speaker 4: it is that deep. Like to me, my debt carried

534
00:23:50,840 --> 00:23:55,119
Speaker 4: so much shame and so much like wait, like I

535
00:23:55,280 --> 00:23:57,680
Speaker 4: was up and I always say flippantly, oh yeah, it'll

536
00:23:57,720 --> 00:24:02,360
Speaker 4: keep you off at three am, like yeah, most nights crying, upset, stressed,

537
00:24:02,560 --> 00:24:04,720
Speaker 4: feeling sick to the bottom of my stomach, like not

538
00:24:04,880 --> 00:24:08,440
Speaker 4: being able to function in some conversations because I felt

539
00:24:08,480 --> 00:24:11,000
Speaker 4: so sick about money and was so distracted by those

540
00:24:11,400 --> 00:24:14,280
Speaker 4: like thoughts that when I finally talk about it, how

541
00:24:14,320 --> 00:24:17,000
Speaker 4: do how do I tell someone that? How do I go, Oh,

542
00:24:17,119 --> 00:24:20,720
Speaker 4: this doesn't just stress me out, it's like all consuming

543
00:24:20,800 --> 00:24:24,280
Speaker 4: and overwhelming, And then I'm worried or I remember being worried,

544
00:24:24,800 --> 00:24:27,399
Speaker 4: not only that somebody would judge me and be like, oh,

545
00:24:27,480 --> 00:24:28,359
Speaker 4: I can't believe you do that.

546
00:24:28,760 --> 00:24:30,720
Speaker 3: But on the flip side, someone would be like, it's

547
00:24:30,800 --> 00:24:33,400
Speaker 3: not that deep just got out of debt, and you go, oh,

548
00:24:33,800 --> 00:24:36,720
Speaker 3: it's not that there's so much more to it, Like

549
00:24:37,200 --> 00:24:39,200
Speaker 3: it's not that I'm there, it's also that I still

550
00:24:39,240 --> 00:24:41,640
Speaker 3: have these mindsets and I don't think I can pull

551
00:24:41,680 --> 00:24:44,159
Speaker 3: myself out of this, Like it's the lack of self belief,

552
00:24:44,240 --> 00:24:46,600
Speaker 3: and so you're kind of like are hoping and this

553
00:24:46,840 --> 00:24:49,720
Speaker 3: was me maybe that that conversation wasn't just met with

554
00:24:49,920 --> 00:24:53,119
Speaker 3: like no judgment, but it was met with like a

555
00:24:53,359 --> 00:24:56,960
Speaker 3: help and a step up for like my own self confidence.

556
00:24:57,040 --> 00:25:01,200
Speaker 3: Like I wanted to walk away feeling empowered from those conversations,

557
00:25:01,840 --> 00:25:04,080
Speaker 3: but you can't just say, hey, Mola, talk to you

558
00:25:04,119 --> 00:25:05,440
Speaker 3: about my debt, and this is how I want to

559
00:25:05,480 --> 00:25:09,200
Speaker 3: feel walking away from this conversation, Like it's hard to

560
00:25:09,320 --> 00:25:11,280
Speaker 3: open up about those things, and I think it is

561
00:25:11,359 --> 00:25:14,080
Speaker 3: really common for people who grow up around financial stress

562
00:25:14,160 --> 00:25:19,160
Speaker 3: to then avoid it because usually financial stress created conflict.

563
00:25:19,880 --> 00:25:23,600
Speaker 3: We don't want conflict, right, Yeah, so jess what are

564
00:25:23,680 --> 00:25:24,400
Speaker 3: your thoughts?

565
00:25:24,560 --> 00:25:26,159
Speaker 2: I think, like to flip the narrow over around a

566
00:25:26,200 --> 00:25:26,520
Speaker 2: little bit.

567
00:25:26,600 --> 00:25:29,560
Speaker 5: Your partner is doing exactly what we would recommend anybody

568
00:25:29,720 --> 00:25:31,600
Speaker 5: do when planning to join your finances.

569
00:25:31,680 --> 00:25:33,879
Speaker 2: Congratulations on the upcoming wedding. By the way, green flag,

570
00:25:34,000 --> 00:25:36,679
Speaker 2: very exciting, huge green flag. Where's the green flag? Man

571
00:25:36,760 --> 00:25:39,159
Speaker 2: running around the giant flag? Like this is great? Like

572
00:25:39,240 --> 00:25:40,760
Speaker 2: this is such a positive thing.

573
00:25:41,200 --> 00:25:42,639
Speaker 5: I think the fact that he wants to have this

574
00:25:42,760 --> 00:25:46,840
Speaker 5: conversation is like something that you should feel really good about,

575
00:25:46,920 --> 00:25:48,600
Speaker 5: Like it means he wants to be on the same page,

576
00:25:48,640 --> 00:25:49,200
Speaker 5: he wants.

577
00:25:49,000 --> 00:25:49,920
Speaker 2: To open the door.

578
00:25:50,400 --> 00:25:52,800
Speaker 5: He might have noticed maybe that there's a lack of

579
00:25:52,880 --> 00:25:56,040
Speaker 5: comfort with having those conversations sometimes, you know, I think

580
00:25:56,080 --> 00:25:57,560
Speaker 5: the three of us, because of what we do, like

581
00:25:57,600 --> 00:26:00,000
Speaker 5: where those people who are always very comfortable having these converses.

582
00:26:00,680 --> 00:26:02,440
Speaker 5: Sometimes you can tell when you try and have a

583
00:26:02,480 --> 00:26:06,320
Speaker 5: conversation or money comes up colloquially with somebody, you can

584
00:26:06,400 --> 00:26:08,560
Speaker 5: sense a little bit of discomfort. So maybe this is

585
00:26:08,600 --> 00:26:10,720
Speaker 5: even like he's sensed a little bit of your discomfort

586
00:26:10,720 --> 00:26:12,879
Speaker 5: and he's trying to open the door, like this is

587
00:26:12,920 --> 00:26:15,040
Speaker 5: the step for that, which I think is awesome and

588
00:26:15,160 --> 00:26:18,400
Speaker 5: that's really great. I think exactly that you guys were saying,

589
00:26:18,440 --> 00:26:22,479
Speaker 5: like your feelings are valid and totally understandable, but at

590
00:26:22,480 --> 00:26:24,000
Speaker 5: the same time, if this is the person you're going

591
00:26:24,040 --> 00:26:26,280
Speaker 5: to spend the rest of your life with, like they're

592
00:26:26,280 --> 00:26:28,760
Speaker 5: going to see you in some compromising positions.

593
00:26:28,440 --> 00:26:30,840
Speaker 2: You know, across the course of your relationship. They are

594
00:26:30,920 --> 00:26:31,800
Speaker 2: really going to see it all.

595
00:26:31,960 --> 00:26:34,960
Speaker 3: Like I wish someone had said that to me when

596
00:26:35,080 --> 00:26:37,199
Speaker 3: I was trying to disclose to Steve that I had

597
00:26:37,280 --> 00:26:38,960
Speaker 3: debt and I just like ruminated on it.

598
00:26:39,119 --> 00:26:41,080
Speaker 2: Yeah, that man's gone to see me give birth.

599
00:26:41,480 --> 00:26:44,159
Speaker 5: Literally, they're probably going to see you go to the

600
00:26:44,240 --> 00:26:46,920
Speaker 5: bathroom like all my boyfriend's held my hair, Will I

601
00:26:47,080 --> 00:26:47,440
Speaker 5: vomit it?

602
00:26:47,560 --> 00:26:49,919
Speaker 2: Like they say it all right, yeah, like you're going

603
00:26:50,000 --> 00:26:50,359
Speaker 2: to see you.

604
00:26:50,400 --> 00:26:54,840
Speaker 5: In much worse situations than bearing your soul, I think.

605
00:26:55,000 --> 00:26:59,320
Speaker 5: And so if we can temper your emotions with the

606
00:26:59,359 --> 00:27:01,520
Speaker 5: feelings of love that you feel for your partner and

607
00:27:01,840 --> 00:27:04,200
Speaker 5: the sense of safety and security that I hope that

608
00:27:04,280 --> 00:27:06,560
Speaker 5: they give you I hope that that will just help

609
00:27:06,600 --> 00:27:08,280
Speaker 5: you feel a bit more confident going because.

610
00:27:08,040 --> 00:27:09,200
Speaker 2: You have nothing to be embarrassed about.

611
00:27:09,200 --> 00:27:12,080
Speaker 5: You're also doing amazing, like you're paying down your debt,

612
00:27:12,119 --> 00:27:14,240
Speaker 5: you have a plan, you have savings, like you're in

613
00:27:14,320 --> 00:27:18,560
Speaker 5: a really good position, honestly, and having this conversation will

614
00:27:18,600 --> 00:27:20,840
Speaker 5: allow you to look at that and maybe you might

615
00:27:20,920 --> 00:27:23,080
Speaker 5: want to consider whether you use a portion of your

616
00:27:23,440 --> 00:27:25,560
Speaker 5: savings to pay off a chunk of debt, or you

617
00:27:25,640 --> 00:27:27,560
Speaker 5: might want to have a plan because you, guys, might

618
00:27:27,640 --> 00:27:30,200
Speaker 5: have shared goals for the wedding or the honeymoon or

619
00:27:30,560 --> 00:27:34,080
Speaker 5: whatever comes next for you. Guys. I think only positive

620
00:27:34,160 --> 00:27:38,160
Speaker 5: things can come from having this conversation. And you're getting married,

621
00:27:38,359 --> 00:27:40,439
Speaker 5: You found your person, and I just hope that they

622
00:27:40,520 --> 00:27:42,440
Speaker 5: give you that sense of support and love that you

623
00:27:42,640 --> 00:27:44,920
Speaker 5: need to be able to lift this weight.

624
00:27:44,920 --> 00:27:45,399
Speaker 4: A little bit.

625
00:27:45,680 --> 00:27:48,520
Speaker 2: Exactly exactly let everyone else say so.

626
00:27:48,720 --> 00:27:50,920
Speaker 3: I asked the community, is it common for people who

627
00:27:51,000 --> 00:27:54,200
Speaker 3: grew up around financial stress to avoid talking about money

628
00:27:54,320 --> 00:27:58,720
Speaker 3: out loud? Eighty nine percent of you said yes, yeh unsurprising.

629
00:27:58,880 --> 00:28:01,600
Speaker 3: Then we asked, would you feel hurt if your partner

630
00:28:01,680 --> 00:28:02,359
Speaker 3: hid debt from you?

631
00:28:03,240 --> 00:28:05,120
Speaker 2: Ninety four percent of you said yes.

632
00:28:06,040 --> 00:28:08,520
Speaker 3: Then we asked, have you ever hidden debt from a

633
00:28:08,600 --> 00:28:12,280
Speaker 3: partner because you felt ashamed? This was not what I expected.

634
00:28:13,000 --> 00:28:16,320
Speaker 3: So twenty six percent of you said yes, seventy four

635
00:28:16,359 --> 00:28:18,960
Speaker 3: percent of you said no. I thought that that would

636
00:28:19,000 --> 00:28:21,880
Speaker 3: be a little bit higher, not from a place of judgment,

637
00:28:21,960 --> 00:28:23,399
Speaker 3: but more from a place of flirt.

638
00:28:23,600 --> 00:28:25,359
Speaker 2: I did it, don't doesn't everybody do this?

639
00:28:25,640 --> 00:28:25,720
Speaker 1: Ye?

640
00:28:26,680 --> 00:28:29,080
Speaker 3: Maybe I was just looking for some self validation there

641
00:28:29,160 --> 00:28:32,200
Speaker 3: and I didn't find debt. But then we went to

642
00:28:32,240 --> 00:28:34,119
Speaker 3: the community and we said, all right, guys, what is

643
00:28:34,160 --> 00:28:36,840
Speaker 3: your two cents? First person said, explain it to your

644
00:28:36,880 --> 00:28:40,440
Speaker 3: partner like you just did hear? Yeah, genuinely, they will

645
00:28:40,440 --> 00:28:44,000
Speaker 3: get it, They will understand. Another person said, talking about

646
00:28:44,040 --> 00:28:46,920
Speaker 3: it makes you take accountability, and that's the first step

647
00:28:47,040 --> 00:28:51,040
Speaker 3: towards getting out of this situation. Another person said, good

648
00:28:51,120 --> 00:28:53,400
Speaker 3: debt and bad debt are very different. Debt of a

649
00:28:53,480 --> 00:28:56,400
Speaker 3: car is okay debt due to gambling? No, I think

650
00:28:56,440 --> 00:28:59,040
Speaker 3: it would depend on the situation, which is so true.

651
00:28:59,120 --> 00:29:01,880
Speaker 3: Like you're not going into this conversation being like, hey,

652
00:29:02,120 --> 00:29:04,920
Speaker 3: I've fritted away all of this, and I mean, you

653
00:29:05,000 --> 00:29:07,960
Speaker 3: could frame it however you want, but like it sounds

654
00:29:08,080 --> 00:29:10,800
Speaker 3: like you really wanted to experience a life event that

655
00:29:10,840 --> 00:29:13,160
Speaker 3: you couldn't afford at the time, and you took all

656
00:29:13,200 --> 00:29:15,720
Speaker 3: the tools and resources that you had and decided, I'm

657
00:29:15,760 --> 00:29:17,280
Speaker 3: going to go into debt for that, and I'm really

658
00:29:17,320 --> 00:29:19,880
Speaker 3: happy to pay that off later and that's all good

659
00:29:20,000 --> 00:29:22,600
Speaker 3: for me. Yeah, Like, you don't have to go into

660
00:29:22,640 --> 00:29:24,600
Speaker 3: this and be like, oh my god, I have credit

661
00:29:24,680 --> 00:29:28,440
Speaker 3: card debt. No, because like, entering the conversation that way

662
00:29:28,640 --> 00:29:31,520
Speaker 3: is going to purposefully position it to your partner that

663
00:29:31,640 --> 00:29:34,800
Speaker 3: this is shameful. Yeah, let's position it as I had

664
00:29:34,840 --> 00:29:36,440
Speaker 3: a holiday, I'm still paying off and I've got this

665
00:29:36,560 --> 00:29:37,280
Speaker 3: amount in the bank.

666
00:29:37,360 --> 00:29:39,640
Speaker 2: What should we do? How are you going to fund life? Yeah?

667
00:29:39,960 --> 00:29:42,880
Speaker 3: Like approach it how you want him to maybe approach it.

668
00:29:43,520 --> 00:29:48,280
Speaker 3: The next is definitely talk to Victoria about just paying

669
00:29:48,320 --> 00:29:50,200
Speaker 3: off your credit card debt from your savings.

670
00:29:51,160 --> 00:29:52,080
Speaker 2: I didn't even mention it.

671
00:29:52,240 --> 00:29:54,640
Speaker 3: You know what I think, But I also know that

672
00:29:54,840 --> 00:29:58,800
Speaker 3: money is not inherently black and white. I need an

673
00:29:58,800 --> 00:30:02,200
Speaker 3: emergency fun Yeah, you might need lots of things, and yes,

674
00:30:02,400 --> 00:30:05,400
Speaker 3: on paper, the idea is to pay off that debt.

675
00:30:05,480 --> 00:30:08,160
Speaker 3: You said You've got twelve thousand dollars worth of savings

676
00:30:08,240 --> 00:30:10,360
Speaker 3: and ten thousand dollars worth of debt to me, you

677
00:30:10,520 --> 00:30:12,840
Speaker 3: have two thousand dollars worth of savings, pay off your debt.

678
00:30:12,880 --> 00:30:15,160
Speaker 3: We're a clean slate, We're good to go. That's exactly

679
00:30:15,240 --> 00:30:18,000
Speaker 3: what I would recommend. But your emotions are layered over that,

680
00:30:18,600 --> 00:30:20,960
Speaker 3: and that's okay, And maybe you're not ready for that

681
00:30:21,120 --> 00:30:23,520
Speaker 3: decision to be made, and maybe that's not something you

682
00:30:23,600 --> 00:30:26,480
Speaker 3: want to do. I get it, Like, I am not

683
00:30:26,960 --> 00:30:29,760
Speaker 3: going to pretend that real life doesn't get overlaid over

684
00:30:29,920 --> 00:30:33,680
Speaker 3: textbook perfection. Yeah, but textbook perfection would say that you

685
00:30:33,840 --> 00:30:36,240
Speaker 3: just wipe out that debt and start from a clean slate,

686
00:30:36,680 --> 00:30:39,680
Speaker 3: And I would question why you're not doing that. So

687
00:30:39,760 --> 00:30:41,960
Speaker 3: maybe have a chat to yourself about, Yeah, why aren't

688
00:30:41,960 --> 00:30:43,680
Speaker 3: you doing that? What's going on here? Why are you

689
00:30:43,800 --> 00:30:46,680
Speaker 3: holding back? The next person said, I have two thoughts.

690
00:30:47,400 --> 00:30:50,640
Speaker 3: I don't think it's shameful if you're prioritizing payments and

691
00:30:50,720 --> 00:30:51,280
Speaker 3: addressing it.

692
00:30:51,440 --> 00:30:52,840
Speaker 2: You're tackling this right.

693
00:30:52,800 --> 00:30:56,040
Speaker 3: Now and traveling while you're young was worth the debt

694
00:30:56,120 --> 00:30:57,920
Speaker 3: for me. I wish I had done more of it.

695
00:30:58,480 --> 00:31:01,680
Speaker 2: There you go. The person said, if they are a.

696
00:31:01,720 --> 00:31:04,560
Speaker 3: Loving and supporting partner, they would want to work towards

697
00:31:04,600 --> 00:31:07,160
Speaker 3: a shared solution and then someone else and this will

698
00:31:07,200 --> 00:31:09,640
Speaker 3: be my last one said. Telling my partner in the

699
00:31:09,760 --> 00:31:12,360
Speaker 3: end was actually the best thing. He helped me make

700
00:31:12,400 --> 00:31:15,560
Speaker 3: a debt free plan and now we are thriving, gorgeous.

701
00:31:15,800 --> 00:31:16,600
Speaker 2: The future is bright.

702
00:31:16,840 --> 00:31:19,280
Speaker 3: The future is very bright, and it's exactly what you

703
00:31:19,320 --> 00:31:21,120
Speaker 3: want to make of it. And my friend, we hear you,

704
00:31:21,360 --> 00:31:24,280
Speaker 3: we see you, and you know what sucks. Debt shame

705
00:31:24,400 --> 00:31:27,640
Speaker 3: sucks even more so, my friends. Unfortunately, that is all

706
00:31:27,720 --> 00:31:30,720
Speaker 3: we have time for today. If you enjoyed this episode,

707
00:31:31,000 --> 00:31:33,360
Speaker 3: please send it around, because the more friends we have,

708
00:31:33,520 --> 00:31:35,280
Speaker 3: the better when it comes to She's on the Money.

709
00:31:35,440 --> 00:31:38,440
Speaker 3: Also have a little think about sending us a money dilemma,

710
00:31:38,560 --> 00:31:40,160
Speaker 3: or a question of the week, or even a little

711
00:31:40,240 --> 00:31:43,240
Speaker 3: cheeky review. My friends, take care of yourselves and of

712
00:31:43,360 --> 00:31:46,200
Speaker 3: each other. We'll see you on Monday with a fresh money.

713
00:31:46,080 --> 00:31:47,520
Speaker 4: Diary by Guy Bye.

714
00:31:51,520 --> 00:31:54,040
Speaker 7: The Bye shared on Shees on the Money is general

715
00:31:54,120 --> 00:31:57,960
Speaker 7: in nature and does not consider your individual circumstances. She's

716
00:31:58,040 --> 00:32:01,080
Speaker 7: on the Money exists purely for edge occational purposes and

717
00:32:01,160 --> 00:32:03,560
Speaker 7: should not be relied upon to make an investment or

718
00:32:03,680 --> 00:32:07,240
Speaker 7: financial decision. If you do choose to buy a financial product,

719
00:32:07,360 --> 00:32:11,280
Speaker 7: read the PDS TMD and obtain appropriate financial advice tailored

720
00:32:11,320 --> 00:32:14,800
Speaker 7: towards your needs. Victoria Divine and Sheese on the Money

721
00:32:14,880 --> 00:32:17,000
Speaker 7: are authorized representatives of Money.

722
00:32:17,040 --> 00:32:18,640
Speaker 2: Sheerfer Pty Ltd

723
00:32:18,920 --> 00:32:21,960
Speaker 7: A BN three two one six four nine two seven

724
00:32:22,120 --> 00:32:25,960
Speaker 7: seven zero eight AFSL four five one two eight nine