1 00:00:00,200 --> 00:00:19,440 Speaker 1: She's on the Money. She's on the Money. 2 00:00:23,200 --> 00:00:26,239 Speaker 2: Hello, and welcome to She's on the Money, the podcast 3 00:00:26,280 --> 00:00:30,240 Speaker 2: for millennials who want financial freedom. My name is Tony Lodge, 4 00:00:30,240 --> 00:00:32,800 Speaker 2: and joining me for another shot back Money Diary is 5 00:00:32,840 --> 00:00:37,680 Speaker 2: Miss Victoria Devine. Hello, Hello, Miss Tony Lodge. Great to 6 00:00:37,720 --> 00:00:41,360 Speaker 2: have you here again, and of course another great money 7 00:00:41,400 --> 00:00:42,040 Speaker 2: tarry for you. 8 00:00:42,040 --> 00:00:44,239 Speaker 3: That I've pulled out of the vault, ready to go. 9 00:00:44,840 --> 00:00:46,920 Speaker 2: I've never said pulled out of the vault in my life. 10 00:00:47,000 --> 00:00:48,240 Speaker 2: I thought i'd start now. 11 00:00:48,320 --> 00:00:50,000 Speaker 3: I mean, we're just trying to mix it up at 12 00:00:50,040 --> 00:00:50,520 Speaker 3: the start. 13 00:00:50,640 --> 00:00:53,400 Speaker 4: But I think you'll find Tony, you didn't pull this 14 00:00:53,440 --> 00:00:55,800 Speaker 4: one out of the vault. A little bird told me 15 00:00:55,920 --> 00:00:58,480 Speaker 4: Jess pulled this one out of the vault, handbulled it 16 00:00:58,560 --> 00:01:01,440 Speaker 4: straight over to you and you will like, yes, let 17 00:01:01,480 --> 00:01:04,360 Speaker 4: me on that. And didn't share any of the information 18 00:01:04,480 --> 00:01:07,040 Speaker 4: with me because I never do no, and it's kind 19 00:01:07,040 --> 00:01:09,480 Speaker 4: of rude, like you guys were excited about this one, 20 00:01:09,760 --> 00:01:12,679 Speaker 4: so jumping straight into it, Tony, can you read out 21 00:01:12,720 --> 00:01:14,199 Speaker 4: this week's Money direst email? 22 00:01:14,560 --> 00:01:17,399 Speaker 2: All right, here we go. Hi, She's on the Money team. 23 00:01:17,720 --> 00:01:20,360 Speaker 2: I have battled with health issues my whole life and 24 00:01:20,400 --> 00:01:23,560 Speaker 2: missed plenty of work because of appointments and hospital stays. 25 00:01:24,040 --> 00:01:26,039 Speaker 2: I was born with a heart condition and spent the 26 00:01:26,080 --> 00:01:28,839 Speaker 2: first three years of my life in and out of hospital, 27 00:01:29,080 --> 00:01:31,560 Speaker 2: with my parents not being able to work and receiving 28 00:01:31,640 --> 00:01:35,680 Speaker 2: no financial assistance during this time. I had my second 29 00:01:35,840 --> 00:01:40,360 Speaker 2: open heart surgery last year and had six weeks off 30 00:01:40,400 --> 00:01:43,959 Speaker 2: work without pay. As I'm a casual, I've recently been 31 00:01:44,000 --> 00:01:47,160 Speaker 2: diagnosed with a large tumor on my spine, and myself 32 00:01:47,160 --> 00:01:49,880 Speaker 2: and my family have spent thousands on medical bills to 33 00:01:49,880 --> 00:01:53,360 Speaker 2: get a diagnosis and preparing to pay for surgery, and 34 00:01:53,520 --> 00:01:56,400 Speaker 2: also preparing to take time off work without pay. Again, 35 00:01:56,920 --> 00:01:59,800 Speaker 2: I'm in UNI full time and on placement full time 36 00:02:00,000 --> 00:02:02,600 Speaker 2: and work casually when I can. I hope to share 37 00:02:02,640 --> 00:02:05,480 Speaker 2: my story with others like myself so people know they 38 00:02:05,480 --> 00:02:06,280 Speaker 2: aren't alone. 39 00:02:06,640 --> 00:02:09,680 Speaker 3: That's a lot, Wow, money Diarist. 40 00:02:10,440 --> 00:02:12,760 Speaker 4: As always, you're just hiding in the background while we 41 00:02:13,120 --> 00:02:14,399 Speaker 4: read out your email. 42 00:02:15,080 --> 00:02:19,160 Speaker 5: What a story, I know, yeah, very it's a lot, 43 00:02:19,200 --> 00:02:22,400 Speaker 5: but you know it's my life and it's as how 44 00:02:22,440 --> 00:02:24,680 Speaker 5: I've lived it, all full of twists and turns. 45 00:02:25,160 --> 00:02:26,360 Speaker 3: Oh my gosh. 46 00:02:26,400 --> 00:02:30,200 Speaker 4: Well, without further ado, let's jump straight into our structured 47 00:02:30,320 --> 00:02:33,280 Speaker 4: questions because I don't want to get sidetracked. I have 48 00:02:33,360 --> 00:02:36,600 Speaker 4: a lot of questions ready, so I won't let myself 49 00:02:36,600 --> 00:02:40,840 Speaker 4: get railroaded this time. So let's jump straight in money, diarist, 50 00:02:41,000 --> 00:02:43,040 Speaker 4: what is your attitude towards money? 51 00:02:43,160 --> 00:02:45,760 Speaker 5: It's quite a long one, but I'll try and summon 52 00:02:45,880 --> 00:02:49,000 Speaker 5: up as much as I can. So, my mum has 53 00:02:49,120 --> 00:02:52,640 Speaker 5: always been very humble with money. She left home at fourteen, 54 00:02:52,840 --> 00:02:55,160 Speaker 5: became financially independent at sixteen. 55 00:02:55,400 --> 00:02:55,840 Speaker 3: Wow. 56 00:02:55,960 --> 00:02:59,160 Speaker 5: Yeah, she put herself through school, through UNI and work. 57 00:02:59,400 --> 00:03:02,760 Speaker 5: And then my dad was more. He came from more 58 00:03:02,760 --> 00:03:05,480 Speaker 5: of a wealthy family and he always had everything. And 59 00:03:05,520 --> 00:03:08,360 Speaker 5: then yeah, like I said, my mum was twenty three, 60 00:03:08,440 --> 00:03:10,800 Speaker 5: So the age I am when she had me, I 61 00:03:10,840 --> 00:03:13,000 Speaker 5: can't even imagine having a baby this age, you know, 62 00:03:13,080 --> 00:03:14,280 Speaker 5: let alone a sick baby. 63 00:03:14,520 --> 00:03:16,760 Speaker 2: I'm twenty seven, and I can't imagine having a baby 64 00:03:16,840 --> 00:03:17,960 Speaker 2: right now. Like I get it. 65 00:03:18,040 --> 00:03:21,280 Speaker 4: So I'm thirty and I'm still like what people are 66 00:03:21,280 --> 00:03:25,200 Speaker 4: having children like or a child yourself, Like I say, 67 00:03:25,280 --> 00:03:27,960 Speaker 4: a real adult as someone who has a child, and 68 00:03:28,080 --> 00:03:29,519 Speaker 4: I am still a child. 69 00:03:29,720 --> 00:03:33,960 Speaker 5: Yeah, same, but yeah no, yeah, So I was born 70 00:03:34,000 --> 00:03:37,200 Speaker 5: with a heart condition. I spent probably the first two 71 00:03:37,240 --> 00:03:39,960 Speaker 5: years of my life traveling because I lived in Canberra, 72 00:03:40,160 --> 00:03:43,480 Speaker 5: traveling to Sydney for my surgeries. I had my major 73 00:03:43,520 --> 00:03:45,840 Speaker 5: open heart surgery at sixteen months old. I had to 74 00:03:45,920 --> 00:03:47,880 Speaker 5: learn how to walk and sit up again, and it 75 00:03:47,960 --> 00:03:50,280 Speaker 5: was pretty full on. I had a lot of family 76 00:03:50,320 --> 00:03:52,600 Speaker 5: support though my parents had a lot of family support. 77 00:03:53,400 --> 00:03:55,440 Speaker 5: I don't know. About a year after my surgery, I 78 00:03:55,480 --> 00:03:58,720 Speaker 5: got really sick again and I almost died. And then, yeah, 79 00:03:58,760 --> 00:04:01,200 Speaker 5: it was really hard for my family, but they were 80 00:04:01,480 --> 00:04:04,720 Speaker 5: so supportive. And about two my mom and my dad 81 00:04:04,720 --> 00:04:08,520 Speaker 5: split up. But you know, I lived full time with 82 00:04:08,560 --> 00:04:11,440 Speaker 5: my mom and she was, you know, everything. She worked 83 00:04:11,480 --> 00:04:13,280 Speaker 5: so hard for me and provided me with much. We 84 00:04:13,280 --> 00:04:15,080 Speaker 5: didn't have a lot, but you know, it was something. 85 00:04:15,680 --> 00:04:18,320 Speaker 5: And then when I was five, she married my stepdad 86 00:04:18,440 --> 00:04:20,599 Speaker 5: and he was in the army, so he was quite 87 00:04:20,600 --> 00:04:24,159 Speaker 5: wealthy and my mom was working as well, and we 88 00:04:24,160 --> 00:04:27,400 Speaker 5: were quite well off then. And then we moved to 89 00:04:27,600 --> 00:04:31,080 Speaker 5: Brisbane when I was eight, and you know, I always 90 00:04:31,120 --> 00:04:33,760 Speaker 5: had everything. We were quite a wealthy family. We went 91 00:04:33,800 --> 00:04:39,000 Speaker 5: on holidays. Unfortunately, my stepdad was quite abusive and especially 92 00:04:39,040 --> 00:04:42,720 Speaker 5: financially abusive to my mom. Yeah, so even though we 93 00:04:42,760 --> 00:04:44,640 Speaker 5: had quite a lot of money, my mom would put 94 00:04:44,680 --> 00:04:48,599 Speaker 5: everything into the bills and the mortgage, and he'd only 95 00:04:48,600 --> 00:04:51,039 Speaker 5: put about thirty percent, and he'd just spent money on 96 00:04:51,120 --> 00:04:54,280 Speaker 5: cars and motorbikes and whatever he wanted. And my mom 97 00:04:54,440 --> 00:04:57,679 Speaker 5: had not much for herself. But she was really good 98 00:04:57,839 --> 00:05:01,720 Speaker 5: in finding a way to say, and she was really 99 00:05:02,360 --> 00:05:04,520 Speaker 5: good in that way. And she always humbled me that way, 100 00:05:04,560 --> 00:05:06,839 Speaker 5: even though I had so much growing up, you know, 101 00:05:06,920 --> 00:05:10,120 Speaker 5: she always humbled me. I started working at fourteen, and 102 00:05:10,160 --> 00:05:11,839 Speaker 5: I was actually quite a good saver. I think I 103 00:05:11,920 --> 00:05:15,080 Speaker 5: saved about five grand in about four years, just went, gosh, 104 00:05:15,160 --> 00:05:19,200 Speaker 5: so good, go through school. Yeah, and when I was eighteen, 105 00:05:19,400 --> 00:05:21,920 Speaker 5: my mom actually give to me ten thousand dollars, which 106 00:05:22,040 --> 00:05:24,440 Speaker 5: was the best gift I could have asked all that 107 00:05:24,480 --> 00:05:26,560 Speaker 5: she had saved me when I was a baby, since 108 00:05:26,560 --> 00:05:27,119 Speaker 5: I was a baby. 109 00:05:27,160 --> 00:05:31,280 Speaker 4: Oh my gosh, that's so special, especially having gone through 110 00:05:31,360 --> 00:05:33,560 Speaker 4: everything that you've just explained to us. 111 00:05:34,080 --> 00:05:34,919 Speaker 3: That's messy. 112 00:05:35,680 --> 00:05:36,040 Speaker 2: Yeah. 113 00:05:36,160 --> 00:05:38,440 Speaker 5: Yeah, So that was one of the best things I've 114 00:05:38,440 --> 00:05:40,800 Speaker 5: ever received, which was really lucky for me because six 115 00:05:40,800 --> 00:05:42,680 Speaker 5: months later, I was kicked out at home by my 116 00:05:42,720 --> 00:05:46,320 Speaker 5: stepdad and I had to learn, you know, my whole 117 00:05:46,320 --> 00:05:48,599 Speaker 5: world turned upside down. I'd never been on my own 118 00:05:48,640 --> 00:05:51,039 Speaker 5: before their only family support I had was my mom. 119 00:05:51,120 --> 00:05:54,720 Speaker 5: Everyone else was in Canberra. But my family was so supportive, 120 00:05:54,800 --> 00:05:57,279 Speaker 5: you know, my grandma sometimes, my mom, my dad would 121 00:05:57,279 --> 00:05:58,920 Speaker 5: give me a little bit of money when they could. 122 00:05:59,000 --> 00:06:02,080 Speaker 5: I was working full time UNI. I was very lucky. 123 00:06:02,080 --> 00:06:03,960 Speaker 5: I was able to receive a little bit of center link, 124 00:06:04,480 --> 00:06:07,800 Speaker 5: which was so hard to get as well, because it 125 00:06:07,880 --> 00:06:11,039 Speaker 5: was just my financial situation was just not great. 126 00:06:11,640 --> 00:06:14,479 Speaker 2: They and quite complicated as well. I guess if you 127 00:06:14,560 --> 00:06:17,800 Speaker 2: had like different things going on with different family members, 128 00:06:17,800 --> 00:06:19,800 Speaker 2: that would have been really hard to kind of get 129 00:06:20,440 --> 00:06:21,240 Speaker 2: under control. 130 00:06:21,680 --> 00:06:24,120 Speaker 5: Yeah, because they recommended that I live with my dad 131 00:06:24,160 --> 00:06:26,200 Speaker 5: who was in Camper and I was in UNI in Brisbane. 132 00:06:26,400 --> 00:06:28,120 Speaker 5: And then they suggested I drop out of UNI and 133 00:06:28,120 --> 00:06:30,240 Speaker 5: to work full time. And I wasn't going to do that, 134 00:06:30,480 --> 00:06:33,000 Speaker 5: you know, that was that was my future, and it 135 00:06:33,080 --> 00:06:35,240 Speaker 5: was I was so passionate about finishing UNI. That was 136 00:06:35,279 --> 00:06:38,159 Speaker 5: the one thing I wanted to do. And then I 137 00:06:38,200 --> 00:06:41,000 Speaker 5: was living at a home for about a year, and 138 00:06:41,040 --> 00:06:45,719 Speaker 5: then my mom was actually saving money without my stepdad's knowledge, 139 00:06:45,800 --> 00:06:48,039 Speaker 5: and then she said Sayonara, get out. 140 00:06:48,240 --> 00:06:51,640 Speaker 4: Yeah, and then you get it sounds like your mom 141 00:06:51,760 --> 00:06:53,279 Speaker 4: has got her head screwed on. 142 00:06:53,560 --> 00:06:56,360 Speaker 5: She she is the strongest woman I know, my biggest 143 00:06:56,360 --> 00:07:00,480 Speaker 5: influence in life, and she couldn't stay the house. We 144 00:07:00,480 --> 00:07:03,680 Speaker 5: were in this beautiful, big house, and we moved to 145 00:07:03,920 --> 00:07:07,239 Speaker 5: a house probably a tenth the size, but we moved 146 00:07:07,279 --> 00:07:12,280 Speaker 5: with my brothers. And even though we've got next to nothing, 147 00:07:12,400 --> 00:07:15,720 Speaker 5: now we've got each other and it's the most rich 148 00:07:15,800 --> 00:07:18,920 Speaker 5: thing that we could ever have. And my mom's so 149 00:07:18,960 --> 00:07:21,720 Speaker 5: strong and she's so financially independent, and I think that 150 00:07:21,760 --> 00:07:23,800 Speaker 5: I've learnt a lot from her that way. 151 00:07:24,040 --> 00:07:26,720 Speaker 2: So yeah, this might be a first, but it sounds 152 00:07:26,720 --> 00:07:28,840 Speaker 2: like we might need to do like a mother daughter 153 00:07:28,960 --> 00:07:30,960 Speaker 2: money diary, don't you think. 154 00:07:30,880 --> 00:07:34,560 Speaker 4: Oh my god, can you imagine. 155 00:07:35,360 --> 00:07:37,400 Speaker 5: I was going to suggest you should probably have her 156 00:07:37,400 --> 00:07:37,720 Speaker 5: on here. 157 00:07:38,360 --> 00:07:40,760 Speaker 2: Maybe we should get in touch with your mama and 158 00:07:40,840 --> 00:07:46,800 Speaker 2: see if she liked to share her story too. I'm 159 00:07:46,840 --> 00:07:49,840 Speaker 2: actually emotional thinking about it. Not that money diarist. We 160 00:07:49,840 --> 00:07:52,840 Speaker 2: don't love your story, but imagine hearing the other side 161 00:07:52,880 --> 00:07:55,200 Speaker 2: of the story in that way, Wow. 162 00:07:55,200 --> 00:07:57,360 Speaker 5: What I've learned from Definitely. 163 00:07:57,720 --> 00:07:59,840 Speaker 4: Let's get on with your money diary. We will be 164 00:08:00,120 --> 00:08:03,200 Speaker 4: hitting you up later to talk to your mom. Not 165 00:08:03,280 --> 00:08:07,440 Speaker 4: in a weird way, not in a Stacy's mum way. 166 00:08:08,320 --> 00:08:09,440 Speaker 3: Mom's way. 167 00:08:09,560 --> 00:08:11,200 Speaker 5: She's quite an attractive woman. 168 00:08:12,240 --> 00:08:15,200 Speaker 3: She is look at you like, oh my gosh, of 169 00:08:15,240 --> 00:08:15,920 Speaker 3: course she is. 170 00:08:16,040 --> 00:08:18,360 Speaker 2: Okay, now we're trying to chat up both of them. 171 00:08:18,440 --> 00:08:22,120 Speaker 4: Yeah, Appler clearly doesn't fall far from the tree. 172 00:08:22,960 --> 00:08:26,840 Speaker 3: All right, next question before we get in trouble. What 173 00:08:26,880 --> 00:08:29,280 Speaker 3: do you do for work money, Darist and how much 174 00:08:29,400 --> 00:08:30,280 Speaker 3: money do you earn? 175 00:08:30,760 --> 00:08:34,360 Speaker 5: So? I work as a support worker for people with disabilities. 176 00:08:34,520 --> 00:08:38,040 Speaker 4: Of course she does, Tony, She's one of those special people. 177 00:08:39,840 --> 00:08:41,960 Speaker 5: So I work for a company, and I also work 178 00:08:42,000 --> 00:08:45,320 Speaker 5: as a sole trader for just the one family, and 179 00:08:45,640 --> 00:08:48,079 Speaker 5: that earns me about I think last financial year is 180 00:08:48,080 --> 00:08:52,320 Speaker 5: about forty thousand dollars. Oh yeah, so I was working 181 00:08:52,400 --> 00:08:55,120 Speaker 5: quite a lot last year. But I, like I said 182 00:08:55,120 --> 00:08:58,360 Speaker 5: in my email, I started placement this semester in uniful time, 183 00:08:58,480 --> 00:08:59,800 Speaker 5: so I've had to cut it back a bit, but 184 00:09:00,160 --> 00:09:02,680 Speaker 5: it's good money. I also do a cashy job in 185 00:09:02,720 --> 00:09:03,360 Speaker 5: a food truck. 186 00:09:03,600 --> 00:09:04,120 Speaker 3: Oh cool. 187 00:09:04,400 --> 00:09:06,360 Speaker 5: Yeah, it's only like twenty bucks an hour, but you 188 00:09:06,400 --> 00:09:09,199 Speaker 5: know it's paying a lot for my medical bills and 189 00:09:09,240 --> 00:09:11,720 Speaker 5: for my car to get fixed as well, which is great. 190 00:09:11,920 --> 00:09:15,240 Speaker 4: So well money diarist Io can't come after you because 191 00:09:15,240 --> 00:09:16,440 Speaker 4: you're anonymous, so. 192 00:09:16,720 --> 00:09:19,000 Speaker 3: Exactly, that's very helpful. 193 00:09:19,480 --> 00:09:21,520 Speaker 4: But does that help a lot to just like have 194 00:09:21,679 --> 00:09:23,240 Speaker 4: something additional on the side. 195 00:09:23,480 --> 00:09:26,199 Speaker 5: Absolutely, And you know I'm not worrying about not being 196 00:09:26,240 --> 00:09:29,280 Speaker 5: able to put anything in my savings and just does 197 00:09:29,360 --> 00:09:30,480 Speaker 5: it helps out so much? 198 00:09:30,559 --> 00:09:32,520 Speaker 3: Which just relate bit of pressure. 199 00:09:33,000 --> 00:09:34,800 Speaker 5: Yeah, Like I don't work for it all the time, 200 00:09:34,960 --> 00:09:37,280 Speaker 5: just every other weekend or something. Yeah. 201 00:09:37,360 --> 00:09:37,680 Speaker 3: Cool. 202 00:09:38,080 --> 00:09:41,200 Speaker 2: And you said you're studying full time and on placement. 203 00:09:41,440 --> 00:09:43,880 Speaker 2: Is that doing what you're doing like at the moment 204 00:09:43,920 --> 00:09:46,160 Speaker 2: as a soul trader as well like disability support. 205 00:09:46,640 --> 00:09:51,079 Speaker 5: No, so I did my undergraduate degree in psychology actually victorians, 206 00:09:53,840 --> 00:09:56,480 Speaker 5: but I am actually doing my masters in social work. 207 00:09:56,760 --> 00:10:00,360 Speaker 5: I actually want to work in the children's hospital with 208 00:10:00,600 --> 00:10:04,080 Speaker 5: cardiac babies and children and their families and sort of 209 00:10:04,080 --> 00:10:06,559 Speaker 5: give back to who I was once upon a time. 210 00:10:07,000 --> 00:10:12,360 Speaker 3: Oh, you are so special. That's so incredible. So money direst. 211 00:10:12,400 --> 00:10:15,160 Speaker 4: We were talking about you putting money into savings just before. 212 00:10:15,760 --> 00:10:17,760 Speaker 3: What is your big money goal? 213 00:10:18,160 --> 00:10:22,000 Speaker 5: So I have two at the moment, so I too. 214 00:10:22,800 --> 00:10:27,319 Speaker 2: If you don't have enough going on money time. 215 00:10:26,679 --> 00:10:29,280 Speaker 5: So I guess, oh, maybe three, actually. 216 00:10:29,080 --> 00:10:31,199 Speaker 3: I agree, just another one. 217 00:10:31,120 --> 00:10:34,600 Speaker 5: Probably my medical bills and surgery and my family's helping 218 00:10:34,640 --> 00:10:37,839 Speaker 5: a lot with that though, I've got such good family 219 00:10:38,000 --> 00:10:42,640 Speaker 5: support with that, but personally for me, so traveling is 220 00:10:42,880 --> 00:10:45,480 Speaker 5: something I would love to do. I graduate middle of 221 00:10:45,520 --> 00:10:47,960 Speaker 5: next year, so I'm really hoping the world's opened up 222 00:10:47,960 --> 00:10:49,640 Speaker 5: and everything's safe and I can do a bit of 223 00:10:49,640 --> 00:10:54,000 Speaker 5: traveling before I start working full time. And my probably 224 00:10:54,000 --> 00:10:55,840 Speaker 5: my bigger money goal is buying a house. 225 00:10:55,920 --> 00:10:56,920 Speaker 3: Oh exciting. 226 00:10:57,520 --> 00:10:59,680 Speaker 5: Yeah, so I'd love to buy, you know, something with 227 00:10:59,760 --> 00:11:01,840 Speaker 5: like a little bit of land on it, you know, 228 00:11:02,040 --> 00:11:05,800 Speaker 5: that stereotypical white picket fence, have some kids get married. 229 00:11:06,160 --> 00:11:09,160 Speaker 5: Of course, that's always been a dream of mine. And 230 00:11:09,360 --> 00:11:12,480 Speaker 5: it's actually funny. The day I got the email from 231 00:11:12,559 --> 00:11:15,560 Speaker 5: Jess to do this, I actually hit a little milestone. 232 00:11:15,559 --> 00:11:18,160 Speaker 5: I hit twenty k in my house savings to posit. 233 00:11:20,720 --> 00:11:24,240 Speaker 4: All of that, and you're still saving aggressively and you've 234 00:11:24,240 --> 00:11:24,959 Speaker 4: got to twenty k. 235 00:11:26,080 --> 00:11:30,600 Speaker 3: You're so special. I love that. Congrats, Money diarys you, 236 00:11:30,960 --> 00:11:31,360 Speaker 3: thank you. 237 00:11:31,440 --> 00:11:33,319 Speaker 5: But yeah, I couldn't have done it without my family, 238 00:11:34,480 --> 00:11:35,480 Speaker 5: especially my mom too. 239 00:11:35,840 --> 00:11:37,480 Speaker 3: She sounds so special. 240 00:11:38,280 --> 00:11:39,480 Speaker 5: She is, all right. 241 00:11:39,800 --> 00:11:44,319 Speaker 4: Next question, Money Diarist, do you currently have any investments? 242 00:11:44,559 --> 00:11:47,240 Speaker 5: I don't have any. I guess I did use Rais 243 00:11:47,280 --> 00:11:49,440 Speaker 5: for a little bit but I didn't really put enough 244 00:11:49,520 --> 00:11:52,120 Speaker 5: in there, so I'm I think maybe later on in life. 245 00:11:52,120 --> 00:11:55,440 Speaker 5: But I do have my SUPER, and as a soul trader, 246 00:11:55,600 --> 00:11:59,240 Speaker 5: I have to do my own tax and supers. So 247 00:11:59,400 --> 00:12:03,000 Speaker 5: when I get each week, I automatically, before tax, put 248 00:12:03,040 --> 00:12:04,720 Speaker 5: ten percent in my SUPER off my pay. 249 00:12:05,200 --> 00:12:05,880 Speaker 3: Oh cool. 250 00:12:05,960 --> 00:12:07,960 Speaker 5: Yeah, and then I leave my tax in my business 251 00:12:07,960 --> 00:12:11,640 Speaker 5: account and then transfer my pay into my general account 252 00:12:11,640 --> 00:12:14,600 Speaker 5: and then just yeah, deposit all the savings and bills 253 00:12:14,640 --> 00:12:15,920 Speaker 5: and everything that needs to be paid. 254 00:12:16,040 --> 00:12:19,400 Speaker 2: There's so many soule traders that don't put their own 255 00:12:19,440 --> 00:12:22,080 Speaker 2: super in, so we're very happy to hear that you 256 00:12:22,200 --> 00:12:24,360 Speaker 2: do as a priority as soon as you get paid. 257 00:12:24,480 --> 00:12:25,479 Speaker 3: Very good news. 258 00:12:25,760 --> 00:12:28,280 Speaker 5: Yeah. Well, if it wasn't for you guys, I probably 259 00:12:28,280 --> 00:12:31,240 Speaker 5: wouldn't put SUPER up there as much. I probably only 260 00:12:31,280 --> 00:12:33,560 Speaker 5: put a little bit. But you know, this pod, this 261 00:12:33,679 --> 00:12:34,840 Speaker 5: podcast has changed. 262 00:12:34,720 --> 00:12:37,600 Speaker 4: Really and you're just putting the full whack. You're like, no, 263 00:12:37,800 --> 00:12:39,840 Speaker 4: I deserve this. I'm going to do the right thing 264 00:12:39,880 --> 00:12:40,480 Speaker 4: for future me. 265 00:12:41,160 --> 00:12:45,520 Speaker 5: Yeah. Absolutely, Like it's changed my life honestly, financially, it's 266 00:12:45,600 --> 00:12:46,640 Speaker 5: just you know the best. 267 00:12:47,640 --> 00:12:52,200 Speaker 3: You are too kind. All right, money diarist, do you 268 00:12:52,280 --> 00:12:53,920 Speaker 3: currently have any debts? 269 00:12:54,200 --> 00:12:57,400 Speaker 5: The only debt I have is my hextet, and that's 270 00:12:57,559 --> 00:13:00,840 Speaker 5: at thirty six thousand, I think, so there that's my 271 00:13:01,080 --> 00:13:05,160 Speaker 5: undergraduate degree and the start of my master's. So I 272 00:13:05,200 --> 00:13:08,640 Speaker 5: actually started putting in about ten dollars a week. It's 273 00:13:08,640 --> 00:13:10,920 Speaker 5: not a lot, but it's just something just to start 274 00:13:10,960 --> 00:13:13,440 Speaker 5: paying it off because I haven't worked full time yet 275 00:13:13,520 --> 00:13:17,160 Speaker 5: for it to that staf going down. But hopefully once 276 00:13:17,200 --> 00:13:18,960 Speaker 5: I start working it all go down a bit. 277 00:13:19,800 --> 00:13:22,160 Speaker 4: It will and you won't even notice it. But the 278 00:13:22,240 --> 00:13:24,960 Speaker 4: cool thing about a help debt is when you said before, 279 00:13:25,080 --> 00:13:27,800 Speaker 4: I think I earn about forty thousand dollars a year. 280 00:13:28,320 --> 00:13:30,360 Speaker 4: I love that You're like, no, I'm putting some money 281 00:13:30,360 --> 00:13:34,880 Speaker 4: towards it, because the compulsory repayment threshold for twenty twenty 282 00:13:34,880 --> 00:13:38,360 Speaker 4: one to twenty twenty two is actually forty seven thousand 283 00:13:38,360 --> 00:13:41,439 Speaker 4: and fourteen dollars, So if you earn anything under that, 284 00:13:41,800 --> 00:13:44,240 Speaker 4: you don't actually have to pay any of it back 285 00:13:44,360 --> 00:13:48,360 Speaker 4: until you go over that threshold, and once you do 286 00:13:48,440 --> 00:13:51,640 Speaker 4: go over that threshold, you only have to start paying 287 00:13:51,679 --> 00:13:54,440 Speaker 4: it back in incremental amounts. So I think it's between 288 00:13:54,600 --> 00:13:58,120 Speaker 4: forty seven thousand and fourteen dollars and fifty four thousand, 289 00:13:58,160 --> 00:14:01,080 Speaker 4: two hundred and eighty two dollars. You actually only have 290 00:14:01,160 --> 00:14:03,520 Speaker 4: to pay it back at one percent of your income, 291 00:14:03,720 --> 00:14:07,440 Speaker 4: which is much easier to deal with than having to 292 00:14:07,480 --> 00:14:10,000 Speaker 4: pay a really big lump sum back. But I love 293 00:14:10,000 --> 00:14:12,880 Speaker 4: that you're prioritizing it and paying it off when technically 294 00:14:12,920 --> 00:14:15,160 Speaker 4: you don't even need to fall under that radar. 295 00:14:16,640 --> 00:14:19,800 Speaker 5: I'm just yeah, I just want to be really financially independent. 296 00:14:19,880 --> 00:14:21,720 Speaker 5: I guess it is the best. 297 00:14:21,520 --> 00:14:26,280 Speaker 4: My friend, it is very obvious. Next question, do you 298 00:14:26,400 --> 00:14:28,080 Speaker 4: currently use shot back? 299 00:14:28,320 --> 00:14:32,360 Speaker 5: I do. I love shot back. If I find something 300 00:14:32,640 --> 00:14:34,600 Speaker 5: on my phone, I will purposely buy it on my 301 00:14:34,680 --> 00:14:36,920 Speaker 5: laptop because I will use the extension, and I use 302 00:14:36,960 --> 00:14:39,960 Speaker 5: the thing called honey as well, which finds discounts. And 303 00:14:40,000 --> 00:14:40,960 Speaker 5: I checked my shot back. 304 00:14:40,840 --> 00:14:42,480 Speaker 2: To the day you can switch between the. 305 00:14:42,360 --> 00:14:47,640 Speaker 5: Tech's a genius, Tony, and I checked my shot back 306 00:14:47,640 --> 00:14:49,080 Speaker 5: the other day, and I think I thought about eighty 307 00:14:49,120 --> 00:14:52,960 Speaker 5: dollars back eighty bucks. Yeah, it's pretty good. Like a 308 00:14:53,000 --> 00:14:57,200 Speaker 5: few of them are Dan Murphy's purchases online with you know, lockdown. 309 00:14:57,440 --> 00:15:00,640 Speaker 4: Fair fair, But like I don't get damn fees money 310 00:15:00,640 --> 00:15:03,080 Speaker 4: back when I go in store, maybe I should be online. 311 00:15:03,080 --> 00:15:05,000 Speaker 4: I didn't even think of stuff like that. 312 00:15:05,200 --> 00:15:07,720 Speaker 5: Just click and collect it. Do it for your Friday drinks. 313 00:15:07,720 --> 00:15:10,160 Speaker 3: Oh my gosh, you can actually click and collect as well. 314 00:15:10,400 --> 00:15:11,840 Speaker 3: She's a genius. Tony. 315 00:15:12,280 --> 00:15:13,440 Speaker 2: That is very smart. 316 00:15:13,520 --> 00:15:16,880 Speaker 4: I like you Moneys, to be honest, I wish I 317 00:15:16,920 --> 00:15:19,920 Speaker 4: was that anyway, Moving on, because it turns out I 318 00:15:19,960 --> 00:15:21,400 Speaker 4: didn't even know that was an option. 319 00:15:22,120 --> 00:15:24,920 Speaker 3: Money diarist, what is your best money have it? 320 00:15:25,560 --> 00:15:31,560 Speaker 5: I think probably? I prioritize my savings. I always put 321 00:15:31,600 --> 00:15:35,000 Speaker 5: a certain amount in each pay I take a certain 322 00:15:35,000 --> 00:15:37,000 Speaker 5: amount for my bills, and I make sure because I 323 00:15:37,040 --> 00:15:40,720 Speaker 5: calculate my monthly spending, so I'll divide that by four 324 00:15:40,800 --> 00:15:42,240 Speaker 5: and put it in each week how much I need 325 00:15:42,280 --> 00:15:45,440 Speaker 5: to pay for my bills, and then I'll put away 326 00:15:45,480 --> 00:15:47,840 Speaker 5: a little bit each for my savings accounts. I think 327 00:15:47,840 --> 00:15:50,320 Speaker 5: I've got about four savings accounts, and then a little 328 00:15:50,320 --> 00:15:52,040 Speaker 5: bit for my food, fuel and fun. 329 00:15:52,480 --> 00:15:55,840 Speaker 4: Oh have you potentially read my book? 330 00:15:56,520 --> 00:16:00,800 Speaker 5: Maybe it's showing, but I love that. 331 00:16:01,720 --> 00:16:05,160 Speaker 4: In comparison to that, What is your worst money habit? 332 00:16:05,400 --> 00:16:08,640 Speaker 5: Probably? And this was the time before covid spending money 333 00:16:08,680 --> 00:16:09,800 Speaker 5: on concert tickets. 334 00:16:09,840 --> 00:16:12,480 Speaker 3: I guess, yeah, that hasn't been an option. 335 00:16:13,840 --> 00:16:16,640 Speaker 5: So COVID's been good in that way because I've been 336 00:16:16,680 --> 00:16:20,080 Speaker 5: saving a lot of money that way. Yeah, But pre COVID, 337 00:16:20,160 --> 00:16:22,280 Speaker 5: I was, you know, everyone I listened to like a 338 00:16:22,280 --> 00:16:24,280 Speaker 5: lot of bands and a lot of singers, and I 339 00:16:24,320 --> 00:16:27,600 Speaker 5: love music. Music's a huge part of my life and 340 00:16:27,680 --> 00:16:30,640 Speaker 5: i'd love to go to every concert and also if 341 00:16:30,640 --> 00:16:32,440 Speaker 5: I bring a friend and all my mom, I've got 342 00:16:32,440 --> 00:16:34,200 Speaker 5: a lot of concerts my mum. I'm a bit of 343 00:16:34,200 --> 00:16:38,280 Speaker 5: a nerd that way. Yeah, just spending money on that 344 00:16:38,560 --> 00:16:40,640 Speaker 5: and sometimes that might be a bit more and I 345 00:16:40,680 --> 00:16:43,240 Speaker 5: can't put any in savings, but COVID's been good in 346 00:16:43,240 --> 00:16:44,600 Speaker 5: that way that I've been saving. 347 00:16:45,280 --> 00:16:47,560 Speaker 4: But that's one of the things that I think is 348 00:16:47,600 --> 00:16:49,960 Speaker 4: in line with your values. From what I can understand, 349 00:16:50,040 --> 00:16:52,240 Speaker 4: it sounds like you're a pretty good little savor. You've 350 00:16:52,240 --> 00:16:55,320 Speaker 4: got your full savings accounts and you're dividing that up. 351 00:16:55,400 --> 00:16:58,200 Speaker 4: You shot back, you're obviously putting money towards your hex. 352 00:16:58,240 --> 00:17:01,440 Speaker 4: You sound really savvy. So I wouldn't say it's a 353 00:17:01,480 --> 00:17:04,159 Speaker 4: waste or anything like that. I would just say that's 354 00:17:04,160 --> 00:17:06,960 Speaker 4: what you value, those experiences and being able to take 355 00:17:06,960 --> 00:17:07,600 Speaker 4: your mum. 356 00:17:07,440 --> 00:17:08,600 Speaker 3: Like that's really cool. 357 00:17:09,040 --> 00:17:11,159 Speaker 4: And I really like that you know what you like 358 00:17:11,280 --> 00:17:14,280 Speaker 4: and where a big chunk of your money is allocated. 359 00:17:14,600 --> 00:17:17,160 Speaker 4: Because sometimes when we talk to people and be like, oh, 360 00:17:17,200 --> 00:17:19,080 Speaker 4: what is your quote worst money habit? 361 00:17:19,320 --> 00:17:20,439 Speaker 3: But with oh, I don't know. 362 00:17:20,720 --> 00:17:23,320 Speaker 4: Sometimes it's like uber eats but you've said, or I 363 00:17:23,520 --> 00:17:27,639 Speaker 4: actually it's this bigger thing, but I actually prioritize it. 364 00:17:27,920 --> 00:17:29,680 Speaker 4: I would like to argue with you and say, I 365 00:17:29,720 --> 00:17:32,040 Speaker 4: don't think that's a bad money habit. I think you've 366 00:17:32,080 --> 00:17:35,000 Speaker 4: just got good values, my friend. Hopefully, I mean you 367 00:17:35,000 --> 00:17:37,520 Speaker 4: didn't tell us what concerts you go to. Hopefully you've 368 00:17:37,560 --> 00:17:40,000 Speaker 4: also got good taste in music. But that's up for 369 00:17:40,040 --> 00:17:44,879 Speaker 4: debate and we can talk about that later. Oh so, 370 00:17:45,240 --> 00:17:47,960 Speaker 4: money diarist, if we asked you to give yourself a 371 00:17:48,040 --> 00:17:50,360 Speaker 4: money grade, what would you give yourself? 372 00:17:50,760 --> 00:17:51,920 Speaker 5: Maybe a B plus? 373 00:17:52,040 --> 00:17:54,280 Speaker 4: Why would you give yourself a BT plus? 374 00:17:54,600 --> 00:17:57,680 Speaker 5: I think I've still got a long way to go, 375 00:17:58,040 --> 00:18:01,720 Speaker 5: and I sometimes i'm I spend a little too much 376 00:18:02,160 --> 00:18:03,760 Speaker 5: in during the week, and I might have to take 377 00:18:03,760 --> 00:18:06,479 Speaker 5: a little bit out of my just in case account, 378 00:18:06,480 --> 00:18:10,120 Speaker 5: which is my spare money. But I think I once 379 00:18:10,160 --> 00:18:12,440 Speaker 5: I start working full time and earning a bit more 380 00:18:12,440 --> 00:18:14,600 Speaker 5: and investing, I think that's when it might go up 381 00:18:14,600 --> 00:18:18,520 Speaker 5: to an A. But I don't know. It's just I 382 00:18:18,520 --> 00:18:21,560 Speaker 5: feel like I'm not completely there yet, but I'm trying. Well. 383 00:18:21,560 --> 00:18:24,200 Speaker 4: It sounds like you're setting yourself up for future success 384 00:18:24,240 --> 00:18:27,760 Speaker 4: from everything I've just learned about you. But at the 385 00:18:27,800 --> 00:18:30,880 Speaker 4: start of this episode, we learned some pretty special information 386 00:18:31,000 --> 00:18:33,640 Speaker 4: about you, and I want to ask you a lot 387 00:18:33,680 --> 00:18:37,200 Speaker 4: of questions right after this quick break diving straight back 388 00:18:37,200 --> 00:18:39,400 Speaker 4: in money Dives. Do you have not had a smooth 389 00:18:39,480 --> 00:18:43,399 Speaker 4: sailing past when it comes to medical history? How have 390 00:18:43,520 --> 00:18:48,800 Speaker 4: you gone through two open heart surgeries? And how does 391 00:18:48,840 --> 00:18:52,280 Speaker 4: that impact you financially? Like what does that actually look like? 392 00:18:52,480 --> 00:18:55,119 Speaker 4: Because from my perspective, I'm like, I wouldn't have a 393 00:18:55,119 --> 00:18:57,480 Speaker 4: clue how much that costs or what's covered on Medicare 394 00:18:57,560 --> 00:18:59,760 Speaker 4: or private health or if in if you have, I don't. 395 00:18:59,600 --> 00:19:01,480 Speaker 3: Know what that it looks like. Could you share with 396 00:19:01,600 --> 00:19:03,160 Speaker 3: us how that works? 397 00:19:03,800 --> 00:19:08,160 Speaker 5: Yeah, definitely. So I had my surgery as a baby 398 00:19:08,160 --> 00:19:11,600 Speaker 5: through the public system, and growing up I've always been 399 00:19:12,200 --> 00:19:16,560 Speaker 5: seeing my cardiologist through the public system. With my second 400 00:19:16,560 --> 00:19:19,199 Speaker 5: heart surgery, though I did do that through the private system, 401 00:19:19,760 --> 00:19:23,120 Speaker 5: I am on my mum's private health and I am 402 00:19:23,240 --> 00:19:27,719 Speaker 5: so very lucky for that because it was when COVID 403 00:19:27,720 --> 00:19:30,119 Speaker 5: first started happening, and lockdown was happening, and they were 404 00:19:30,160 --> 00:19:34,400 Speaker 5: stopping elective surgery. So I was very lucky to get 405 00:19:34,400 --> 00:19:35,080 Speaker 5: in when I did. 406 00:19:35,520 --> 00:19:38,480 Speaker 4: Are you telling me that a heart surgery is seen 407 00:19:38,560 --> 00:19:40,240 Speaker 4: as an elective surgery. 408 00:19:40,280 --> 00:19:44,360 Speaker 5: Well, in my case, I wasn't going into heart failure. 409 00:19:44,440 --> 00:19:48,000 Speaker 5: I just needed my follow up surgery. But if I 410 00:19:48,119 --> 00:19:49,879 Speaker 5: was in the public system, I would probably still be 411 00:19:49,920 --> 00:19:51,000 Speaker 5: waiting to have it done. 412 00:19:51,480 --> 00:19:54,199 Speaker 4: So there are other people currently in Australia who have 413 00:19:54,359 --> 00:19:57,320 Speaker 4: had surgeries like that canceled. I didn't know that's what 414 00:19:57,359 --> 00:20:00,200 Speaker 4: that meant, and that might be showing my naivity here, 415 00:20:00,480 --> 00:20:02,879 Speaker 4: but I assumed elective surgery would be. 416 00:20:02,760 --> 00:20:05,200 Speaker 3: Like a boob job or one of those. 417 00:20:05,080 --> 00:20:08,680 Speaker 4: BBL butt lifts that every second influencer sounds like they're getting. 418 00:20:08,720 --> 00:20:11,479 Speaker 4: At the moment, I didn't realize that elective could go 419 00:20:11,560 --> 00:20:15,000 Speaker 4: into things like cart surgery that are literally life imping. 420 00:20:15,600 --> 00:20:19,520 Speaker 5: So unless you're actually really, really sick and really dying, 421 00:20:19,640 --> 00:20:22,600 Speaker 5: then yeah, they probably you're probably further down on the list. 422 00:20:23,440 --> 00:20:25,639 Speaker 5: But I was very lucky. I went through the private 423 00:20:25,680 --> 00:20:29,120 Speaker 5: system and my heart surgery was about fifty thousand dollars, 424 00:20:29,359 --> 00:20:33,200 Speaker 5: but private health covered that, which was amazing and I'm 425 00:20:33,280 --> 00:20:36,480 Speaker 5: so grateful for it. Except for the pain killers. 426 00:20:36,560 --> 00:20:38,600 Speaker 3: Yeah, well, except for some painkillers. 427 00:20:39,600 --> 00:20:40,439 Speaker 5: Poll send you some. 428 00:20:42,320 --> 00:20:44,760 Speaker 4: I'm sure we could find somebody to hook you up 429 00:20:44,800 --> 00:20:45,760 Speaker 4: with a paracetamol. 430 00:20:46,960 --> 00:20:50,800 Speaker 5: Yeah, that's all it was, really and just some blood 431 00:20:50,800 --> 00:20:52,760 Speaker 5: thinners and that's all it was really. So it was 432 00:20:52,840 --> 00:20:54,120 Speaker 5: just over the counter stuff. 433 00:20:54,160 --> 00:20:57,600 Speaker 2: And I can't believe that the whole thing was covered. 434 00:20:57,680 --> 00:20:59,679 Speaker 3: That's so incredible. Wow, that's so. 435 00:21:01,280 --> 00:21:04,520 Speaker 4: I am always so impressed at our health system and 436 00:21:04,560 --> 00:21:07,760 Speaker 4: how supportive it is and that so that makes me 437 00:21:07,800 --> 00:21:10,879 Speaker 4: so happy that I just pay tags. Like technically, Tony, 438 00:21:11,080 --> 00:21:13,920 Speaker 4: we kind of helped money direst get heart surgery. 439 00:21:14,000 --> 00:21:16,919 Speaker 3: Yeah, it sounds like I'll take that. I'm basically a doctor. 440 00:21:17,840 --> 00:21:19,320 Speaker 3: I mean, I probably. 441 00:21:18,920 --> 00:21:21,920 Speaker 4: Wouldn't go that far, but if anybody wants a referral 442 00:21:21,960 --> 00:21:23,879 Speaker 4: into doctor Tony, you just see me. 443 00:21:24,000 --> 00:21:25,359 Speaker 3: You don't even need to go to your GP. 444 00:21:27,520 --> 00:21:30,919 Speaker 5: But I guess in contrast to that, So, like I 445 00:21:30,920 --> 00:21:33,840 Speaker 5: said in the email, I have been recently diagnosed with 446 00:21:33,840 --> 00:21:37,439 Speaker 5: the tumor or a schwarnoma as it's called. So I 447 00:21:37,520 --> 00:21:39,959 Speaker 5: had some weird symptoms, got it checked out. I've had 448 00:21:40,000 --> 00:21:42,440 Speaker 5: about six scans and a biopsy done in the last 449 00:21:42,480 --> 00:21:46,520 Speaker 5: six weeks, which has cost about just over one thousands 450 00:21:46,600 --> 00:21:51,760 Speaker 5: of dollars so much through privately. I'm very lucky that 451 00:21:51,840 --> 00:21:54,119 Speaker 5: my'm still again, my mum, my family have helped me 452 00:21:54,160 --> 00:21:55,960 Speaker 5: out a lot. I've paid for a little bit as well, 453 00:21:56,040 --> 00:21:58,359 Speaker 5: but you know, being still in UNI and not being 454 00:21:58,440 --> 00:22:01,760 Speaker 5: able to work as much, it's just yeah, I couldn't 455 00:22:01,800 --> 00:22:03,560 Speaker 5: do it on my own. I'd still be waiting and 456 00:22:03,720 --> 00:22:05,840 Speaker 5: again I'm going to need to have surgery for that 457 00:22:05,920 --> 00:22:09,719 Speaker 5: as well to remove that tumor, and that again an 458 00:22:09,840 --> 00:22:12,919 Speaker 5: elective surgery. So it was either watch and wait for 459 00:22:12,960 --> 00:22:15,320 Speaker 5: it to grow, maybe cause more damage, or just get 460 00:22:15,359 --> 00:22:15,920 Speaker 5: it removed. 461 00:22:16,280 --> 00:22:16,920 Speaker 4: Wow. 462 00:22:17,440 --> 00:22:19,720 Speaker 3: So what does that mean for you? 463 00:22:19,920 --> 00:22:23,440 Speaker 4: I'm sorry again showing my native but you said that 464 00:22:23,680 --> 00:22:27,440 Speaker 4: it's not a tumor, it's called something different which I can't. 465 00:22:27,520 --> 00:22:30,600 Speaker 5: Oh, it's a shurenoma, which it is a tumor. Yeah. 466 00:22:30,640 --> 00:22:32,399 Speaker 4: Does that mean that you're going to have to go 467 00:22:32,480 --> 00:22:34,680 Speaker 4: through just having it removed or is there some kind 468 00:22:34,720 --> 00:22:37,960 Speaker 4: of like radiation or like chemo or something that is 469 00:22:38,440 --> 00:22:40,240 Speaker 4: related to this or is this benign? 470 00:22:40,480 --> 00:22:43,400 Speaker 5: Well, it is benign, which I'm very lucky about because 471 00:22:43,640 --> 00:22:46,280 Speaker 5: I was after I had my first skin I was 472 00:22:46,280 --> 00:22:47,960 Speaker 5: at prack and I got a call from the doctor. 473 00:22:48,119 --> 00:22:50,199 Speaker 5: I missed it because I didn't answer it, and then 474 00:22:50,240 --> 00:22:51,600 Speaker 5: I left a voice fail. I said, oh, can you 475 00:22:51,640 --> 00:22:53,919 Speaker 5: come in just to talk about your results? And I 476 00:22:53,960 --> 00:22:57,040 Speaker 5: went in and the doctor said, all it could be lymphoma, 477 00:22:57,119 --> 00:23:00,919 Speaker 5: which is cancer, which was very scary. And then I 478 00:23:01,000 --> 00:23:04,119 Speaker 5: got you know, I had those six weeks of tests basically, 479 00:23:04,240 --> 00:23:07,320 Speaker 5: and then they found out it wasn't cancer, which was 480 00:23:07,960 --> 00:23:11,560 Speaker 5: a relief, but it was still and I was actually 481 00:23:11,600 --> 00:23:14,560 Speaker 5: preparing for the worst. You know, the cost of chemo. 482 00:23:15,200 --> 00:23:17,200 Speaker 5: You know, who's going to look after me, who held 483 00:23:17,240 --> 00:23:19,679 Speaker 5: my Mom's going to be able to look after me 484 00:23:19,760 --> 00:23:22,600 Speaker 5: and pay the bills, and you know, I was ready 485 00:23:22,640 --> 00:23:23,760 Speaker 5: to get a will, ready. 486 00:23:23,720 --> 00:23:25,960 Speaker 4: So stressful to even have to go through. 487 00:23:26,600 --> 00:23:28,960 Speaker 5: Yeah, so it was. It was full on for a while. 488 00:23:29,040 --> 00:23:32,000 Speaker 5: But I know now that it's still there and it's 489 00:23:32,040 --> 00:23:35,560 Speaker 5: still not good. But I'm so lucky that it wasn't 490 00:23:35,720 --> 00:23:37,080 Speaker 5: anything nasty. 491 00:23:37,320 --> 00:23:41,000 Speaker 4: So oh, I'm so grateful that it isn't anything too nasty. 492 00:23:41,160 --> 00:23:43,879 Speaker 4: But after too open heart surgeries, you would have really 493 00:23:43,920 --> 00:23:46,960 Speaker 4: thought that you had been done with stuff like that. 494 00:23:47,400 --> 00:23:49,960 Speaker 5: Oh, I know. And then I was talking to the 495 00:23:50,040 --> 00:23:54,440 Speaker 5: neurosurgeon and it's I laugh about it and people ask 496 00:23:54,520 --> 00:23:56,000 Speaker 5: me why I laugh about it, and I said, well, 497 00:23:56,040 --> 00:23:58,439 Speaker 5: if you can't laugh about it, then what can you 498 00:23:58,520 --> 00:24:01,520 Speaker 5: do that. The neuros said, he's going to have to 499 00:24:01,560 --> 00:24:04,960 Speaker 5: remove it from my back and go through my spine, 500 00:24:05,040 --> 00:24:07,160 Speaker 5: but he's going to have to remove a rib as well, 501 00:24:08,000 --> 00:24:10,200 Speaker 5: So it's going to be a bit of a full 502 00:24:10,200 --> 00:24:12,399 Speaker 5: on surgery. And I'm preparing not to work again for 503 00:24:12,440 --> 00:24:15,840 Speaker 5: about six weeks and just preparing my finances that way. 504 00:24:16,160 --> 00:24:19,119 Speaker 4: Oh my gosh, well you're going to have to remove 505 00:24:19,160 --> 00:24:21,240 Speaker 4: a rib to help fix your back. I wouldn't have 506 00:24:21,359 --> 00:24:24,239 Speaker 4: even thought that that was something that was necessary, but 507 00:24:24,280 --> 00:24:27,120 Speaker 4: it obviously makes sense and that's the safest and best 508 00:24:27,160 --> 00:24:28,280 Speaker 4: way to do it, so. 509 00:24:28,680 --> 00:24:29,240 Speaker 3: Get it done. 510 00:24:29,359 --> 00:24:33,600 Speaker 4: But my gosh, you have been through the wars, so 511 00:24:33,680 --> 00:24:37,240 Speaker 4: when it comes to not being able to work, I 512 00:24:37,280 --> 00:24:39,920 Speaker 4: am in a position where I've I know a lot 513 00:24:39,960 --> 00:24:43,000 Speaker 4: of people who have chronic illnesses like I would say 514 00:24:43,040 --> 00:24:46,120 Speaker 4: you do, which is something that is ongoing and consistent 515 00:24:46,200 --> 00:24:49,480 Speaker 4: within your life. It's not just that six weeks it 516 00:24:49,560 --> 00:24:52,640 Speaker 4: impacts though, is it like you're taking that off fully? 517 00:24:52,960 --> 00:24:55,320 Speaker 4: How else does this impact your work and your ability 518 00:24:55,359 --> 00:24:56,439 Speaker 4: to generate an income? 519 00:24:56,480 --> 00:24:57,160 Speaker 3: For yourself. 520 00:24:57,240 --> 00:24:59,920 Speaker 5: Yeah, so, like I said, six weeks, but it could 521 00:25:00,160 --> 00:25:02,560 Speaker 5: be more. It just depends on how well I heal, 522 00:25:03,160 --> 00:25:07,080 Speaker 5: if there's any complications, which probably won't happen, but you know, 523 00:25:07,240 --> 00:25:09,879 Speaker 5: it does happen, and if I do return back to work, 524 00:25:09,960 --> 00:25:13,320 Speaker 5: it's very stressful work, I guess. You know, you might 525 00:25:13,320 --> 00:25:17,199 Speaker 5: get a client that isn't very capable looking after themselves, 526 00:25:17,280 --> 00:25:19,119 Speaker 5: so you have to lift them or you have to 527 00:25:19,200 --> 00:25:21,439 Speaker 5: help them, so that I've got to think about that 528 00:25:21,520 --> 00:25:24,480 Speaker 5: as well, and who I'm going to work with what clients, 529 00:25:24,520 --> 00:25:27,320 Speaker 5: And then I'm also starting placement again next year, so 530 00:25:28,600 --> 00:25:31,560 Speaker 5: missing work from that as well. But I've got such 531 00:25:31,600 --> 00:25:34,359 Speaker 5: good family support, which is the best thing, and a 532 00:25:34,400 --> 00:25:36,720 Speaker 5: lot of people don't have that and they go through 533 00:25:36,760 --> 00:25:39,080 Speaker 5: similar stuff as well. So I'm very lucky and I'm 534 00:25:39,160 --> 00:25:41,720 Speaker 5: very privileged to have the family support that I do. 535 00:25:41,920 --> 00:25:44,320 Speaker 4: But it's still a pretty big load to carry at 536 00:25:44,320 --> 00:25:46,320 Speaker 4: the end of the day, because money. 537 00:25:46,160 --> 00:25:47,239 Speaker 3: Don is how old are you? 538 00:25:47,600 --> 00:25:50,400 Speaker 4: I'm twenty three, You're twenty three, and you've still got 539 00:25:50,440 --> 00:25:53,320 Speaker 4: to go through all of that, and that's obviously significantly 540 00:25:53,359 --> 00:25:55,920 Speaker 4: impacting your ability to work and study and do all 541 00:25:55,960 --> 00:25:58,960 Speaker 4: of those things. What do you think that looks like 542 00:25:59,240 --> 00:26:02,480 Speaker 4: long term. So obviously this is your second heart surgery, 543 00:26:02,520 --> 00:26:05,359 Speaker 4: and that was planned. It's not something that just popped 544 00:26:05,400 --> 00:26:08,320 Speaker 4: out of nowhere. Is that going to be your final one? 545 00:26:08,560 --> 00:26:10,680 Speaker 4: Are there others that you're going to have to go 546 00:26:10,760 --> 00:26:14,120 Speaker 4: through or even ongoing medications you need to be paying for. 547 00:26:14,320 --> 00:26:16,800 Speaker 5: So I'm very lucky. So I had my open heart, 548 00:26:16,840 --> 00:26:19,480 Speaker 5: and then for my next heart surgery it will be 549 00:26:19,600 --> 00:26:20,280 Speaker 5: by a catheter. 550 00:26:20,520 --> 00:26:21,200 Speaker 3: Oh wow. 551 00:26:21,480 --> 00:26:24,680 Speaker 5: Yeah. So the big actually healing process with heart surgery 552 00:26:24,800 --> 00:26:27,040 Speaker 5: is your sternum because they saw that in half and 553 00:26:27,080 --> 00:26:29,959 Speaker 5: that's got a fuse together and yes, sorry gets a big, 554 00:26:30,240 --> 00:26:32,639 Speaker 5: big but it's not actually well, your heart has to 555 00:26:32,640 --> 00:26:34,639 Speaker 5: be careful, but it's your sternham that you know, you 556 00:26:34,640 --> 00:26:37,240 Speaker 5: can't drive six weeks in cases, if you get into 557 00:26:37,240 --> 00:26:40,240 Speaker 5: a car accident, you can break it again. So that's 558 00:26:40,280 --> 00:26:44,280 Speaker 5: your big recovery. So but yeah, so that won't be 559 00:26:44,320 --> 00:26:47,720 Speaker 5: for another ten years, for fifteen years, and then after 560 00:26:47,760 --> 00:26:49,920 Speaker 5: that another ten to fifteen years, and then I probably 561 00:26:49,920 --> 00:26:52,199 Speaker 5: won't have another open heart till about fifty or so, 562 00:26:52,359 --> 00:26:55,119 Speaker 5: which is amazing. Like the back when I was a 563 00:26:55,119 --> 00:26:58,280 Speaker 5: baby was very complicated. I was very very sick. I 564 00:26:58,320 --> 00:27:01,120 Speaker 5: was in ICU for nine days and whereas this time 565 00:27:01,119 --> 00:27:03,320 Speaker 5: it was only two days. So my mom was I 566 00:27:03,359 --> 00:27:05,000 Speaker 5: think she was very stress leading up to it, but 567 00:27:05,080 --> 00:27:07,040 Speaker 5: this time it would just smooth. 568 00:27:06,720 --> 00:27:09,920 Speaker 4: Sailing, would be easier for everybody to deal with. 569 00:27:10,400 --> 00:27:13,240 Speaker 5: Yeah. Yeah, And I have actually have a cow valve, 570 00:27:13,400 --> 00:27:16,640 Speaker 5: so that's the interesting things. I don't have to have 571 00:27:16,920 --> 00:27:20,080 Speaker 5: medication for that, which is very lucky, whereas some people 572 00:27:20,200 --> 00:27:21,720 Speaker 5: need to go on war friend if they have to 573 00:27:21,760 --> 00:27:22,879 Speaker 5: have an artificial valve. 574 00:27:23,119 --> 00:27:23,800 Speaker 3: Yeah. Wow. 575 00:27:23,880 --> 00:27:26,159 Speaker 4: And so they were able to make one out of 576 00:27:26,200 --> 00:27:28,119 Speaker 4: a cow's heart for you. 577 00:27:28,720 --> 00:27:30,399 Speaker 3: Yeah, how cool is that? 578 00:27:31,440 --> 00:27:33,760 Speaker 5: I know, I know it actually got a cow tattoo 579 00:27:33,840 --> 00:27:37,040 Speaker 5: in honor of my little cows save my life. 580 00:27:37,160 --> 00:27:41,800 Speaker 4: That is such a cute cow as well. Oh my gosh, money, Doris, 581 00:27:41,880 --> 00:27:43,560 Speaker 4: I feel like you've been through a lot, and it's 582 00:27:43,640 --> 00:27:47,399 Speaker 4: genuinely so interesting to know what that looks like. Because 583 00:27:47,440 --> 00:27:50,919 Speaker 4: from my perspective, wouldn't they just fix your heart and. 584 00:27:50,800 --> 00:27:51,840 Speaker 3: You were fixed? 585 00:27:52,320 --> 00:27:54,920 Speaker 4: What does it mean to have one every you said 586 00:27:54,960 --> 00:27:57,640 Speaker 4: ten to fifteen years? Why do they need to do them? 587 00:27:57,680 --> 00:27:59,719 Speaker 4: Is it maintaining it? Is it switching it? 588 00:27:59,800 --> 00:27:59,879 Speaker 5: Like? 589 00:28:00,040 --> 00:28:00,880 Speaker 3: What does that mean? 590 00:28:01,119 --> 00:28:05,199 Speaker 5: Yeah? So my diagnosis is congenital heart defect, and that 591 00:28:05,359 --> 00:28:08,520 Speaker 5: is the broad spectrum that every baby or kid is 592 00:28:08,560 --> 00:28:11,480 Speaker 5: diagnosed with if they have a heart condition and it 593 00:28:11,520 --> 00:28:15,320 Speaker 5: can never be fixed. Ever, it's just maintained. Some people 594 00:28:15,320 --> 00:28:19,200 Speaker 5: don't even need to have surgery. Some need routine surgery 595 00:28:19,400 --> 00:28:22,680 Speaker 5: every five years. There's some severe cases where some kids 596 00:28:22,760 --> 00:28:25,440 Speaker 5: might need a heart transplant, which is when their heart 597 00:28:25,560 --> 00:28:29,160 Speaker 5: just is not capable of getting fixed at all. Yeah, 598 00:28:29,160 --> 00:28:31,480 Speaker 5: I'll never be fixed, and I'll always have to go 599 00:28:31,560 --> 00:28:34,720 Speaker 5: to hospital every year to get scans and everything to 600 00:28:34,720 --> 00:28:38,040 Speaker 5: see my heart's okay. But that's my whole life. But 601 00:28:38,080 --> 00:28:40,600 Speaker 5: I've been very lucky. My Mum's always raised me like 602 00:28:40,800 --> 00:28:43,720 Speaker 5: any other kid. She's never treated me any different because 603 00:28:43,720 --> 00:28:46,440 Speaker 5: of my condition. She's always you know, she said, you know, 604 00:28:46,520 --> 00:28:48,080 Speaker 5: you play sport if you want to. I wasn't the 605 00:28:48,160 --> 00:28:52,840 Speaker 5: fastest kid. I was always slow point. But it was 606 00:28:53,000 --> 00:28:54,960 Speaker 5: I think that really humbled me a lot too, and 607 00:28:55,120 --> 00:28:57,440 Speaker 5: it made me realize that even though I am gone 608 00:28:57,480 --> 00:29:01,360 Speaker 5: through a lot, I'm very lucky. I may to walk, talk, 609 00:29:01,960 --> 00:29:04,480 Speaker 5: breathe on my own. I'm able to live my life 610 00:29:04,520 --> 00:29:06,680 Speaker 5: how I want to. I can travel, i can live 611 00:29:06,720 --> 00:29:09,560 Speaker 5: my own life, have a family, And unfortunately some people 612 00:29:09,600 --> 00:29:13,200 Speaker 5: can't have that, And I think that really resonates with me, 613 00:29:13,280 --> 00:29:15,760 Speaker 5: that I am one of the lucky ones in that way. 614 00:29:16,360 --> 00:29:19,880 Speaker 2: And because obviously aside from all the parts of your 615 00:29:19,920 --> 00:29:22,240 Speaker 2: life that are a bit different, you know, you have 616 00:29:22,280 --> 00:29:25,680 Speaker 2: to go and have surgery every however often, and like 617 00:29:25,800 --> 00:29:28,440 Speaker 2: unfortunately you do have to pay for those things. But like, 618 00:29:28,520 --> 00:29:32,760 Speaker 2: it's really cool that you've had such a normal, normal life, 619 00:29:32,880 --> 00:29:35,640 Speaker 2: I guess is no normal, but that you were able 620 00:29:35,680 --> 00:29:37,920 Speaker 2: to be like a regular kid and run around and 621 00:29:38,240 --> 00:29:40,880 Speaker 2: yell and scream and get dirty and stuff, because imagine 622 00:29:40,880 --> 00:29:42,560 Speaker 2: if you hadn't been able to have that, And it's 623 00:29:42,640 --> 00:29:45,440 Speaker 2: just it's so lovely that you have such an amazing 624 00:29:45,520 --> 00:29:46,640 Speaker 2: outlook on everything. 625 00:29:47,080 --> 00:29:48,280 Speaker 3: Yeah, you're so positive. 626 00:29:48,320 --> 00:29:52,120 Speaker 4: I find it really interesting that everybody that we have 627 00:29:52,240 --> 00:29:55,880 Speaker 4: spoken to Tony that has been through something as significant 628 00:29:55,880 --> 00:29:59,720 Speaker 4: and as this is usually one of the most positive 629 00:29:59,720 --> 00:30:03,080 Speaker 4: people that we come across. They're always so grateful for 630 00:30:03,160 --> 00:30:05,800 Speaker 4: everything that they have and they've just got this outlook 631 00:30:05,840 --> 00:30:08,720 Speaker 4: on life that you go, why can't I be more 632 00:30:08,880 --> 00:30:12,000 Speaker 4: like that? Like sometimes I just know that I need 633 00:30:12,040 --> 00:30:14,200 Speaker 4: to take a leaf out of our money direst books 634 00:30:14,240 --> 00:30:17,320 Speaker 4: because I'm like, how are they so positive? And laughing 635 00:30:17,360 --> 00:30:20,320 Speaker 4: about something like, you know, open heart. 636 00:30:20,200 --> 00:30:24,960 Speaker 3: Surgery, waging a rib. Yeah, and You're like, yep, it's cool. 637 00:30:25,080 --> 00:30:27,600 Speaker 4: Just take six weeks off work, get it done. And 638 00:30:27,640 --> 00:30:30,600 Speaker 4: I'm like, oh, okay, it's just how I heal. 639 00:30:30,760 --> 00:30:32,960 Speaker 3: You know, we'll see. I'm like, I would be losing 640 00:30:33,000 --> 00:30:33,600 Speaker 3: my mind. 641 00:30:34,160 --> 00:30:36,840 Speaker 2: Yeah, Like, I definitely take so much for granted. And 642 00:30:36,880 --> 00:30:39,239 Speaker 2: it's such an eye opening chat to be able to 643 00:30:39,640 --> 00:30:41,600 Speaker 2: talk to you and hear you go no, But it's 644 00:30:41,640 --> 00:30:43,160 Speaker 2: just it is the way that it is, and I'm 645 00:30:43,240 --> 00:30:46,000 Speaker 2: so lucky in so many other ways, like wow, what 646 00:30:46,120 --> 00:30:49,440 Speaker 2: a like, Oh, just such a pleasure to chat to you, 647 00:30:49,480 --> 00:30:54,120 Speaker 2: because what an amazing insight into your life and your outlook. 648 00:30:54,560 --> 00:30:56,320 Speaker 3: Agreed, So agreed. 649 00:30:56,360 --> 00:30:58,720 Speaker 4: I'm so grateful that you wanted to share your money 650 00:30:58,720 --> 00:30:59,600 Speaker 4: diary with us. 651 00:30:59,600 --> 00:31:00,360 Speaker 3: And I'm sure or that. 652 00:31:00,320 --> 00:31:02,640 Speaker 4: There are people listening to this that are like, oh 653 00:31:02,640 --> 00:31:05,120 Speaker 4: my gosh, that stories me, Like that's happened to me. 654 00:31:05,320 --> 00:31:07,320 Speaker 4: And I'm a casual and I'm at UNI and I'm 655 00:31:07,320 --> 00:31:10,160 Speaker 4: not the only one. And yeah, it's a lot, but 656 00:31:10,200 --> 00:31:12,880 Speaker 4: I'm so grateful that you genuinely want to share your 657 00:31:12,920 --> 00:31:13,959 Speaker 4: money diary with us. 658 00:31:14,680 --> 00:31:18,360 Speaker 5: Oh thank you. Yeah, it's just you know, if you 659 00:31:18,400 --> 00:31:20,880 Speaker 5: can't laugh about it, then you know, what can you 660 00:31:21,000 --> 00:31:21,240 Speaker 5: do with. 661 00:31:21,320 --> 00:31:21,960 Speaker 3: You can cry? 662 00:31:22,240 --> 00:31:26,520 Speaker 4: That's the like, and I think, yeah, of course, and 663 00:31:26,600 --> 00:31:29,960 Speaker 4: I wouldn't expect anything less, but it's one thing to 664 00:31:30,040 --> 00:31:32,440 Speaker 4: cry about it and then you know, continue to be 665 00:31:32,520 --> 00:31:34,240 Speaker 4: down in a flat about it, because we all know 666 00:31:34,320 --> 00:31:37,000 Speaker 4: that happens. Some people are just that way inclined. 667 00:31:37,080 --> 00:31:39,560 Speaker 3: But you've gotten up, dusted yourself off. You're like, it 668 00:31:39,640 --> 00:31:41,720 Speaker 3: is what it is. Let's get on with life. I've 669 00:31:41,720 --> 00:31:42,320 Speaker 3: got stuff to do. 670 00:31:42,400 --> 00:31:44,120 Speaker 4: I'm going to union, I'm going to do a master's. 671 00:31:44,200 --> 00:31:46,320 Speaker 4: I've got, you know, a life to live. And if 672 00:31:46,320 --> 00:31:49,160 Speaker 4: that means I have a surgery every fifteen years, technology 673 00:31:49,200 --> 00:31:50,280 Speaker 4: is advancing. 674 00:31:49,920 --> 00:31:50,400 Speaker 3: That's fine. 675 00:31:50,440 --> 00:31:54,719 Speaker 4: It's getting easier every time. Like, what a legend, Tony. 676 00:31:55,320 --> 00:31:56,320 Speaker 4: It's very cool. 677 00:31:56,720 --> 00:31:59,320 Speaker 5: I think, Yeah, My mum's always been my biggest supporter, 678 00:31:59,360 --> 00:32:02,320 Speaker 5: and I think, you know I've come this far. You 679 00:32:02,360 --> 00:32:05,320 Speaker 5: know she's thought this hard for me. You know she 680 00:32:06,040 --> 00:32:07,720 Speaker 5: could have left me as a kid, but you know 681 00:32:07,800 --> 00:32:10,760 Speaker 5: she's stuck through and you know she stayed and she 682 00:32:11,000 --> 00:32:12,800 Speaker 5: was my biggest support of my whole life and she 683 00:32:12,880 --> 00:32:14,720 Speaker 5: still is. So I do everything for her. 684 00:32:14,840 --> 00:32:15,840 Speaker 3: Bought a legend. 685 00:32:15,960 --> 00:32:17,960 Speaker 4: She didn't come as far to only come this far, 686 00:32:18,080 --> 00:32:22,120 Speaker 4: my friend, But unfortunately I do think that is all 687 00:32:22,160 --> 00:32:25,760 Speaker 4: we have time for today. So as always, just before 688 00:32:25,800 --> 00:32:28,600 Speaker 4: we head off, we'd like to acknowledge and pay respect 689 00:32:28,600 --> 00:32:32,520 Speaker 4: to Australia's Aboriginal and torrest Ray Islander people's. They're the 690 00:32:32,560 --> 00:32:36,200 Speaker 4: traditional custodians of the lands, the waterways and the sky's 691 00:32:36,320 --> 00:32:37,720 Speaker 4: all across Australia. 692 00:32:38,080 --> 00:32:40,160 Speaker 3: We thank you for sharing and the caring for the 693 00:32:40,240 --> 00:32:42,160 Speaker 3: land on which we are able to learn. 694 00:32:42,480 --> 00:32:45,280 Speaker 4: We poyer respects to elders past and present, and we 695 00:32:45,360 --> 00:32:47,520 Speaker 4: share our friendship and our kindness. 696 00:32:48,000 --> 00:32:50,600 Speaker 2: The advice shared on She's on the Money is generally 697 00:32:50,720 --> 00:32:54,600 Speaker 2: nature and does not consider your individual circumstances. She's on 698 00:32:54,640 --> 00:32:57,800 Speaker 2: the Money exists purely for educational purposes and should not 699 00:32:57,840 --> 00:33:01,120 Speaker 2: be relied upon to make an investment or any financial decision. 700 00:33:01,560 --> 00:33:05,360 Speaker 2: And we promise that Victoria Divine is an authorized representative 701 00:33:05,400 --> 00:33:09,840 Speaker 2: of Australia Pacific Funds Management Propriety Limited ABM three four 702 00:33:09,880 --> 00:33:13,200 Speaker 2: one three two four six three two five seven AFSL 703 00:33:13,320 --> 00:33:15,200 Speaker 2: three three nine one five one. 704 00:33:15,480 --> 00:33:17,360 Speaker 3: See you next week, guys, ZB