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

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Speaker 2: Hello, and welcome to She's on the Money's Friday Drinks episode,

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Speaker 2: where ours millennials have a drink and talk about financial

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Speaker 2: freedom and our weeks. This week, guys, we heard an

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Speaker 2: epic money diary from our lifestyle creeper, which I promise

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Speaker 2: you if you listen to the episode, you'll know why

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Speaker 2: we're calling her that. It's not as rude as it sounds,

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Speaker 2: but it was an epic money story. Then on Wednesday,

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Speaker 2: Georgia and I talked through exactly how you should be

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Speaker 2: purchasing a car and what you shouldn't be doing when

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Speaker 2: trying to purchase a car with our friends from Superhero.

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Speaker 3: And now it is Friday and we're having a little

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Speaker 3: bit of ragino with Georgia King and Ryan John, but

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Speaker 3: not jessic Rici.

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Speaker 4: Where's jessic Ici?

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Speaker 5: Guy?

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Speaker 3: We made our seats, got the lurgy.

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Speaker 5: So Georgia got myself and Victoria sick, and now we

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Speaker 5: got Jess sick.

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Speaker 3: I just feel like it's going around. What goes around

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Speaker 3: comes around.

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Speaker 4: Absolutely, it's kind of beautiful.

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Speaker 2: I'm kind of sad Jess has never missed a Friday

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Speaker 2: Drinks episode.

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Speaker 5: She's getting slack.

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Speaker 2: Yeah, she's just really falling off the what is it

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Speaker 2: called off the band wagon?

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Speaker 5: Yeah, although she did call the name. She's like, I'm

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Speaker 5: so sorry, I can't make it.

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Speaker 2: I told her to go back to bed, and then

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Speaker 2: five seconds later I could see her popping up replying

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Speaker 2: to emails and I was like, I'm coming to your

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Speaker 2: house and taking She's like, no.

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Speaker 3: Please, don't make me less stressed if I do this.

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Speaker 5: So V has an exciting announcement. I've got some of

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Speaker 5: our favorite money wins of the week from the community

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Speaker 5: to share. But we're going to start with g because

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Speaker 5: I believe you're going to attempt to explain to meme.

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Speaker 3: From Ryan Johnson.

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Speaker 5: Realized good luck.

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Speaker 4: Yeah, thank you so much. Okay, So you guys may

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Speaker 4: have heard of that small interview took place a couple

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Speaker 4: of weeks ago. Megan Markle. I think her name was

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Speaker 4: Prince Harry or something like that. Yeah, yeah, something like

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Speaker 4: that anyway or something they do little Archie gorgeous Anyway,

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Speaker 4: you're too invested, way too invested. So there's this meme

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Speaker 4: of the gorgeous goddess that is Oprah Winfrey Queen. How

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Speaker 4: amazing was she in that interview, I just want to

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Speaker 4: eat her up. She looks amazing, better than ever anyway.

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Speaker 4: MEMI is one square Oprah with her hands out looking

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Speaker 4: like she's in pain, and the caption above that says

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Speaker 4: ten dollars plus three ninety nine delivery.

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Speaker 5: And she's in the pain. Wouldn't you'd be in pain?

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Speaker 4: And then the next square has Oprah looking intrigued and

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Speaker 4: quite interested and it says thirteen dollars ninety nine free delivery.

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Speaker 3: Right now we're talking.

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Speaker 4: Like that, so you know the gag here is that

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Speaker 4: we all get sucked in by free delivery when she's

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Speaker 4: getting wrong?

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Speaker 3: How you hold on? Does that make us more like Oprah?

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Speaker 3: Is that what that tells me?

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Speaker 5: We have to give away cars? Aha?

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Speaker 3: You get to everybody with the.

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Speaker 5: Car episode this week. I was waiting for that moment.

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Speaker 2: Yes, yeah, I'm really sorry. I actually don't have the

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Speaker 2: budget to give away cars.

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Speaker 5: But we could buy a whole heap of match the

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Speaker 5: car company gives it away and then op takes the credit.

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Speaker 3: We need to get.

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Speaker 2: Bigger so that we can give away cars on behalf

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Speaker 2: of other brands. In saying that last week we did

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Speaker 2: a job for Toyota. This week, we had a really

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Speaker 2: fun workshop where we actually got to meet a whole

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Speaker 2: heap of Sheese on the Money community members.

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Speaker 5: It was fun.

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Speaker 3: It was so fun, and we met so many people that.

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Speaker 2: Were like in our community from the very beginning, and

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Speaker 2: I think it was just really special.

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Speaker 5: We did. We did ask for a car at the end.

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Speaker 5: They did.

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Speaker 3: They said we could sit in it, and we did.

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Speaker 5: And they said we'd give it back. Yeah. Yeah.

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Speaker 3: They didn't even let me have the keys, so they

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Speaker 3: didn't trust me from the start.

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Speaker 2: Ryan, I want to know what your money wins of

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Speaker 2: the week's are.

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Speaker 5: Michelle, right, and I've there's a I don't know if

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Speaker 5: there's a thing, but there's a lot of smaller wins

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Speaker 5: this week. But sometimes it's the smaller ones that just.

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Speaker 3: Really agree make you really excited.

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Speaker 5: Ya, Michelle says, small win. I went to visit my

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Speaker 5: parents on the weekend and came home with a full

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Speaker 5: tub of my mum's homemade sausage rolls. Delicious. Yeah, money,

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Speaker 5: we lunch is sorted for the week in Michelle's and

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Speaker 5: we've talked about this before, those little lunches and coffees

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Speaker 5: at work, that stuff adds up. So to have a

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Speaker 5: whole week sordered well done.

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Speaker 3: Michelle rolls kind of like the og mums. They make

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Speaker 3: their best one.

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Speaker 5: Mum sausage rolls.

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Speaker 3: Yeah, Mum sausage rolls. They're the best kinds.

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Speaker 5: Caitlyn says, money win. I completed surveys online. You know

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Speaker 5: how some people can feel like their surveys and can

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Speaker 5: get vouchers and and bit of money in stuff. Yep,

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Speaker 5: So Caitlyn's been doing it for a while. And she

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Speaker 5: received a gift for being part of a study. And

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Speaker 5: she got a thirty dollars E gift card. She used

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Speaker 5: it to purchase Victoria's new book. She only had to

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Speaker 5: pay two dollars seventy for postage. Not only did I

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Speaker 5: help she had to.

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Speaker 3: Pay for postage.

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Speaker 5: Not only I mean she she would have seen that

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Speaker 5: meme from before and be like, oh, if only not

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Speaker 5: only did I help a UNI diversity with their study,

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Speaker 5: but I got a finance book for under three dollars.

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Speaker 3: That's a money win, huge money win.

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Speaker 5: Well, we've got Tara. My beautiful chickens are laying lots

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Speaker 5: of eggs at the moment, and I have swapped eggs

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Speaker 5: for fruit from a friends tree. Money win for both

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Speaker 5: of us. Yeah, I was going to say that the wholesome,

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Speaker 5: like swapping stuff with neighbors, just really like good, good feel.

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Speaker 2: My best friend's Steph is about to move out to

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Speaker 2: what I call the Sticks, which is really far away.

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Speaker 3: It's like an hour.

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Speaker 5: The Danny Loong Rangers is up there.

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Speaker 3: Yeah, it's in the Sticks.

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Speaker 2: She gets chickens with the house like they literally and

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Speaker 2: I can't wait for her to have a little veggie

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Speaker 2: patch in her chickens and I get to go visit Gorge.

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Speaker 5: That's so good, Laura says, money win. I got so

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Speaker 5: excited about Victoria's book launch that I told the family

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Speaker 5: group chat about zero point two seconds after his launch,

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Speaker 5: I said, guess what, Victoria's launching this book. And later

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Speaker 5: my dead my dad messaged me to say I've already

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Speaker 5: bought a copy of the book for you.

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Speaker 3: So sweet.

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Speaker 5: He's a sostom dad, says Laura. Should we get little

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Speaker 5: caps sttom dads. I'm a dad.

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Speaker 3: If she's on the money, yeah, c yeah, I like

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Speaker 3: it real cute.

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Speaker 5: Megan says, to wear it, You're a Sostom dad. Meghan says,

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Speaker 5: I went to Kmart and only came out with things

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Speaker 5: I went in there to buy.

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Speaker 3: That's a lie she made that.

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Speaker 2: No, no, no, that's not true. We all know that's

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Speaker 2: a fake money win.

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Speaker 5: I Megan, and she's a regular in the Facebook community.

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Speaker 5: She is true to her word.

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Speaker 3: I know they wouldn't line, but I would.

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Speaker 5: Emma says. Now, this is actually kind of a big

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Speaker 5: deal because of the courage it would take to do so.

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Speaker 5: I think. Emma says that she was on a casual

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Speaker 5: contract but pretty much working full time, so she like

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Speaker 5: mustered up the courage and went and had that chat

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Speaker 5: with her boss and said, I'm working full time hours.

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Speaker 5: I want the annual leave, the sea leave. I want

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Speaker 5: a full time, proper job. And I don't want my

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Speaker 5: pay to go down either. I want the same rate. Yeah.

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Speaker 5: And she went in there and she said, this is

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Speaker 5: why I deserve it, and this is why I'm bringing value,

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Speaker 5: and here's why it's good for the business. And she

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Speaker 5: presented her case and the boss said, you're right, here's

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Speaker 5: your contract. Em Well done, Emma, that's impressive. Megan says,

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Speaker 5: I just found out the other day that my healthcare

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Speaker 5: card entitles us to an energy rebate through our supplier.

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Speaker 5: Did you know this? No, we didn't, so a healthcare

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Speaker 5: card is like a healthcare card, but it's also it's

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Speaker 5: almost like a concession card for last year, so you

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Speaker 5: gets cheap train tickets.

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Speaker 3: Yeah, I knew that.

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Speaker 5: Part, and I always knew there was like some other stuff.

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Speaker 5: And she's like, I didn't really know. And I looked

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Speaker 5: into it and I told the energy provider that I'm

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Speaker 5: a healthcare card holder and blah blah blah, and they said, oh,

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Speaker 5: here's your rebate and you get a little discount.

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Speaker 2: Oh what you money win if you've got a healthcare card.

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Speaker 2: Check out what you can actually care for that?

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Speaker 5: And just in general, how many times do we hear

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Speaker 5: stories of I had no idea I was entitled too,

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Speaker 5: or I was able to do this just by looking

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Speaker 5: it up and double checking.

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Speaker 2: It's insane, insane the amount of stuff we missed purely

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Speaker 2: because we just don't know a bit.

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Speaker 5: Sad yep. And last one, this is from Kierley, and

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Speaker 5: Kearley is a regular commentary as well.

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Speaker 2: I feel like I feel like we do know the

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Speaker 2: regulars if their names come up. I might not know

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Speaker 2: you personally, but you best believe I know your comments.

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Speaker 5: I'm watching. I couldn't be bothered leaving my house to

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Speaker 5: go and buy some oat milk. I get you, So

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Speaker 5: I decided to make my own. What I made homemade

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Speaker 5: oat milk cost me ninety cents per liter.

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Speaker 3: What that's a money win to begin with?

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Speaker 5: How much does it cost when you I buy.

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Speaker 3: The bougie oatmelk. I'm a fan of minor figures.

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Speaker 2: Still, I still rate minor figures higher than I rate

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Speaker 2: any alcoholic their bridge and it's the.

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Speaker 3: Best in coffee. And that's like I feel as a leader.

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Speaker 2: Yeah, it is speno, but I've just got an addiction.

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Speaker 3: If you guys know how to help me overcome it.

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Speaker 4: It's weird though, because it just feels like it shouldn't

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Speaker 4: be expensive.

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Speaker 3: Oh that's what kure Lee is proving to us.

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Speaker 4: So we're all getting rolled.

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Speaker 5: So she says, for comparison, the oat milk she normally

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Speaker 5: buys is four dollars forty nine for a wait for it,

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Speaker 5: nine hundred and forty six milk containers.

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Speaker 2: She buys it as well, and we're being stowged on

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Speaker 2: our fifty or sixty year is.

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Speaker 5: That it works out? She's done the maths four dollars

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Speaker 5: seventy lead for her shot, which over the course of

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Speaker 5: twelve months, over the course of twelve months will save

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Speaker 5: her one hundred and seventy two dollars and thirty.

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Speaker 3: To six that's to that.

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Speaker 2: That's a very good money win. But do you know

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Speaker 2: how to make it a better money win? Transfer that

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Speaker 2: into your savings every week.

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Speaker 3: So that you actually capture those savings clever.

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Speaker 5: Excuse me? What? Remember how I said I'm doing a

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Speaker 5: long term money win. Yeah, I'm actually.

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Speaker 3: Let's do a check in. How's that going?

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Speaker 5: Ryan, I'm buying coffees.

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Speaker 3: I thought you weren't buying.

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Speaker 5: Well, that's the thing I am.

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Speaker 3: Now he's fallen off the bandwagon a little bit.

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Speaker 5: But because I set it up and automated it, still

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Speaker 5: five dollars every day that was going to be the

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Speaker 5: money I spent on coffees goes into my spaceship account

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Speaker 5: as up to a couple of hundred bucks and it's

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Speaker 5: sticking on quite well.

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Speaker 4: That is.

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Speaker 5: But you guys judged me on that. And then when

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Speaker 5: Kerley says I'm making long term oh great, I did.

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Speaker 5: But when Ryan does the same thing.

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Speaker 3: That's because we trust Kiraly And look what's happened, Georgia.

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Speaker 4: Will we write where we were we knew it wouldn't last.

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Speaker 3: Did a last note? We wanted it to where we roll.

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Speaker 5: Also, no, oh my god, what Georgia. Have a look

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Speaker 5: at my investment balance in spaceship and this is only

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Speaker 5: from five dollars a day of my coffee money. No

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Speaker 5: other money has been put in. Look at the top.

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Speaker 4: There is this private can I say, oh, okay, it's

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Speaker 4: seven hundred and fifty six dollars and eight cents if

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Speaker 4: you don't.

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Speaker 5: Mind, thank you very much, just.

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Speaker 4: From getting away five dollars a day.

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Speaker 5: I know I was supportive of Kily, but I feel

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Speaker 5: like I want to say sucked into her. I don't

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Speaker 5: know why I've decided it's a competition. And finally, Byanka

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Speaker 5: says she's had success with her budgeting since she's had

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Speaker 5: multiple bank accounts, which I know, V You've always liked

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Speaker 5: to recommend, so she can separate her savings, emergency fund

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Speaker 5: and every day spending. But the money win. She just

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Speaker 5: moved from NAB and A and Z. She moved all

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Speaker 5: her multiple accounts to upbank and is now saving a

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Speaker 5: stack on account fees so she no longer has to

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Speaker 5: pay for that. Well done. Now I know we've mentioned

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Speaker 5: it a few times. But Victoria has a new book out,

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Speaker 5: Georgia and I. Georgia and I are gonna interview. We're

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Speaker 5: gonna be like the yeah, oh you're going to eat

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Speaker 5: the press conference type people questions. I mean, for your sake,

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Speaker 5: I would not have thought so, Jenny, all right, we'll

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Speaker 5: get to that in just a moment. Welcome back to

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Speaker 5: Friday Drinks. We just realized that we mentioned Scott Morrison

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Speaker 5: and Jenny. We obviously cky, Jenny, you've got your head

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Speaker 5: screwed on. I just want to point out that even

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Speaker 5: though we've just like podcasts aren't live live, we usually

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Speaker 5: record this the night before or whatever. Are we assuming

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Speaker 5: he's still the PM by the time this podcast comes out?

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Speaker 3: Risky, What are we drinking?

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Speaker 5: Oh?

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Speaker 3: Of course, so to usually stuff. Are you going to

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Speaker 3: do it? I will not do it.

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Speaker 4: Justice, This one's for you, sture, Jessica ricci. So, tonight

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Speaker 4: we are drinking Matso's Broom Brewery ginger beer and it's alcoholics.

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Speaker 5: It's a bit naughty, fun delicious.

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Speaker 2: The team at Matsos actually sent us a very kind

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Speaker 2: care package so general that included a number of different drinks. Firstly,

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Speaker 2: we got the ginger beer. We also got a burry

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Speaker 2: one and then like a hard lemonade. So we've been

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Speaker 2: trying them out all week and I'm not gonna lie.

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Speaker 2: They're pretty good.

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Speaker 4: So many treats way better than a little fat land.

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Speaker 4: Did you guys ever get around that?

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Speaker 5: No? Yes, one.

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Speaker 3: Yeah.

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Speaker 5: They look like a bottle of Cordy or like a

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Speaker 5: sprite bottle.

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Speaker 2: My old housemate used to buy those way back when

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Speaker 2: we used to have raging Friday, Saturday.

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Speaker 3: And Sunday nights. And I just remember the smell of.

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Speaker 4: Them, the smell and the tears, like I cried every.

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Speaker 3: Time I break a little fat lamb. It is posient.

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Speaker 5: There's a photo of me at Cotterslow Beach with a

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Speaker 5: little fat lamb taped to my left hand and a

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Speaker 5: golf club taped to my right hand and we're playing

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Speaker 5: some sort of golf drinking game at two am on

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Speaker 5: the beach because the beach is like flooded with lights

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Speaker 5: through the night and stuff. Yeah, and no one won

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Speaker 5: that game. Everyone was a loser. So Victoria's got a

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Speaker 5: book out the first of all, congratulations, Like it's on

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Speaker 5: pre or re order.

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Speaker 3: I told everybody about it.

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Speaker 5: It's written.

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Speaker 2: Yeah, it's written, has a cover, it's really pretty. I'm

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Speaker 2: really excited about it.

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Speaker 5: How long does it take to write a book?

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Speaker 3: Nearly two years?

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Speaker 2: Ge.

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Speaker 5: Since we've both been involved in the Beers, it's sort

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Speaker 5: of been this little.

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Speaker 3: Ye background and ongoing, little side project.

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Speaker 2: It's definitely been something that you know, if you know

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Speaker 2: me personally, you know that that's what's been taking up

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Speaker 2: my weekends and after work, and all of the stress

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Speaker 2: that I've been carrying has been largely due to making

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Speaker 2: sure that this is damn nearly perfect. So yeah, no,

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Speaker 2: it's very nice. It feels like a weight is off

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Speaker 2: my shoulders. Now I've handed over the final manuscript and

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Speaker 2: people are really happy with it, and we've gone through

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Speaker 2: all the final changes.

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Speaker 5: Now, something really nice that I saw in the group that,

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Speaker 5: besides everyone just saying congratulations and buying their copies and

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Speaker 5: stuff like that, one lady said, because of all the

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Speaker 5: free advice you give and we listen to the podcast

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Speaker 5: every week even if I didn't want the book, which

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Speaker 5: you did. She goes the fact that I can just

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Speaker 5: spend some money on the book as a way to

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Speaker 5: say thank you. That makes me feel really good that

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Speaker 5: I'm at least giving back a little bit.

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Speaker 2: Yeah, I saw that, I think, I replied to I

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Speaker 2: love that this community has been so supportive and like

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Speaker 2: at the same time as underlyingly knowing if I put out,

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Speaker 2: you know, the announcement that I've got a book, people

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Speaker 2: would be like, oh cool, But like, I've been absolutely

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Speaker 2: overwhelmed with support and people messaging me, people I don't know,

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Speaker 2: just congratulating me, being excited for the book, people on

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Speaker 2: Instagram sharing it with their friends.

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Speaker 5: My fai.

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Speaker 2: It is when people are like, oh, check this out,

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Speaker 2: She's done a book, and then it's their screenshot of

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Speaker 2: them ordering it.

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Speaker 3: I'm like, hasn't it come out yet? You guys are

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Speaker 3: already on it, and I love it.

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Speaker 2: It makes me so proud to one have completed it

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Speaker 2: because that wasn't a easy feat, but two like, given

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Speaker 2: I've completed it, I genuinely know the impact it can have,

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Speaker 2: especially given the success of the podcast in what's been

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Speaker 2: going on, I'm kind of like, I can't wait for

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Speaker 2: people to start using it and applying these things in

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Speaker 2: their lives and it becoming part of their journey as well,

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Speaker 2: which is really cool to think about.

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Speaker 4: What can people expect from it? V Like is it

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Speaker 4: a budgeting overhaul? Is it an a to Z of

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Speaker 4: just like everything that is not about finance, Like, how

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Speaker 4: is it laid out? What can our listeners expect?

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Speaker 2: So the whole idea is to change your relationship with money.

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Speaker 2: The idea is to take charge of your financial future

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Speaker 2: with this book, and it is the A to Z

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Speaker 2: of everything you will need to know financially. We go

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Speaker 2: through your money stories, we go through how to budget,

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Speaker 2: how to save? What is cash flow? I show you

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Speaker 2: my cash flow plan, how to set one up. We

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Speaker 2: talk about super we talk about investment. We literally talk

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Speaker 2: about everything all the way through to retirement and what

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Speaker 2: that actually means for you and how to start implementing

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Speaker 2: things today that are going to impact you in the

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Speaker 2: long term. But then weaved in between all of that

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Speaker 2: some really really kind stories that you guys and the

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Speaker 2: shees on the money community have allowed me to share.

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Speaker 3: For each of those.

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Speaker 2: Topics, we've got a money story and a little pervy

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Speaker 2: money diary so that it all becomes real and relatable

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Speaker 2: and actually tangible, because I think when you're reading about

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Speaker 2: investment it can seem really far off from really overwhelming.

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Speaker 2: So I think it's really nice to ground it and

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Speaker 2: bring it back home and go, okay, cool. But here's

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Speaker 2: someone who actually did it, and here's what they did,

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Speaker 2: and this is what their story looks like. Because at

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Speaker 2: the same time, as you know, wanting to be able

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Speaker 2: to spoon feed it to you guys, legally I'm not

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Speaker 2: allowed to because I'm a licensed financial advisor, so it

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Speaker 2: has to be general advice. So it's nice to give

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Speaker 2: some little tipbits on what other people are up to.

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Speaker 5: What are the not legalities, the social ethics morals of

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Speaker 5: if we know a friend who's tear with money, buying

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Speaker 5: them a book without like, hey, mate, here's a great

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Speaker 5: idea for you to read.

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Speaker 2: I don't know, and I'm going to compare it to

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Speaker 2: the Barefoot Investor that became a really giftable.

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Speaker 5: I got my cousin the Barefoot Investor and he was

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Speaker 5: a bit like, oh okay, and then a month later

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Speaker 5: he's like, thank you so much. And that's why I

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Speaker 5: asked this, because I feel like this is going to

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Speaker 5: be a great resource for a lot of people.

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Speaker 2: Yeah, and I loved The Barefoot Investor for a couple

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Speaker 2: of reasons, and one was its shareability and its relatability.

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Speaker 2: But the reason I didn't love it, and not because

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Speaker 2: I don't love him and what he's created is because

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Speaker 2: it's not for us. It's actually for an older demographic

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Speaker 2: and people who have different values, not young people who

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Speaker 2: really want to create financial freedom and security. Whereas his

403
00:17:43,240 --> 00:17:45,840
Speaker 2: book is kind of more about, okay, cool, like you

404
00:17:45,880 --> 00:17:47,600
Speaker 2: need to pay off your family home, you're probably going

405
00:17:47,680 --> 00:17:49,480
Speaker 2: to have a couple of kids, here's what that looks

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Speaker 2: like in the future. And for me, it's more like, well, actually,

407
00:17:52,440 --> 00:17:54,359
Speaker 2: were young, we have so much time we can invest

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Speaker 2: and create ultimate wealth. We don't need to wait for

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Speaker 2: the pension. And I think that there's something really powerful

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Speaker 2: about pegging it back a little bit and starting earlier

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Speaker 2: and younger. And to me, that's kind of a little

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Speaker 2: flex that we have. We've got heap of time up

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Speaker 2: our sleeves and we can create magic long term.

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Speaker 5: I think random question that's maybe not related to the book.

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Speaker 2: That's okay, We're all about random questions. I didn't know

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Speaker 2: I was being interviewed.

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Speaker 5: Either, so are we. And I'm going to include myself

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Speaker 5: in this because I know I'm slightly older than you

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Speaker 5: team Okay, correct us, young folks in our twenties.

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Speaker 3: Know where the dad sheese on the money hat.

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Speaker 5: I'm a sebtom dad. Will we get pension like our age?

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Speaker 5: Because you know how there's chat that like, oh, you

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Speaker 5: have to invest in your super because by the time

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Speaker 5: we get old enough, that might not be a thing anymore.

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Speaker 2: Well, it's a very real consequence of the fact that

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Speaker 2: we are spending so much on pensions at the moment,

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Speaker 2: we just don't know what funding for that looks like.

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Speaker 2: And with population growth and the age of people actually

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Speaker 2: retiring increasing but also dying increasing, we've got more of

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Speaker 2: a population to support. So I have no doubt in

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Speaker 2: some way it's going to have to be scaled back

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Speaker 2: because when you take into considerations stuff like inflation and

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Speaker 2: the rising cost of goods and services, and the fact

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Speaker 2: that the pension isn't nearly that much to begin with.

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00:19:07,240 --> 00:19:09,080
Speaker 2: Now they're going to try and make that pension stretch

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Speaker 2: among more people, Like is that actually sustainable? Like something's

437
00:19:12,080 --> 00:19:14,240
Speaker 2: got to give. And I think for me, the best

438
00:19:14,280 --> 00:19:17,320
Speaker 2: way to actually future proof ourselves is to actually put

439
00:19:17,320 --> 00:19:20,560
Speaker 2: ourselves first and create our own future. And we can

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Speaker 2: actually do that in a really reasonable, constructive and long

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Speaker 2: term easy way, Like it is not hard to do.

442
00:19:27,160 --> 00:19:30,880
Speaker 5: This Do you reckon in the year twenty seventy, when

443
00:19:30,960 --> 00:19:33,000
Speaker 5: G and I are in the old folks home. We're

444
00:19:33,000 --> 00:19:35,080
Speaker 5: in the same one appartially, of course.

445
00:19:34,600 --> 00:19:37,000
Speaker 2: We all get scooters and like be those hoons that

446
00:19:37,119 --> 00:19:39,720
Speaker 2: like get seldom. Yes, yeah, I want to get those

447
00:19:39,720 --> 00:19:43,320
Speaker 2: streamers off the side of the handlebars. I didn't get

448
00:19:43,359 --> 00:19:45,399
Speaker 2: them on my bike when I was young, So that'll

449
00:19:45,400 --> 00:19:46,520
Speaker 2: be my way of making up.

450
00:19:47,240 --> 00:19:49,320
Speaker 5: My question is when we're all in the home, do

451
00:19:49,359 --> 00:19:51,360
Speaker 5: you reckon? There'll be a difference between people that did

452
00:19:51,359 --> 00:19:52,640
Speaker 5: something thirty years ago.

453
00:19:54,000 --> 00:19:57,439
Speaker 2: Yeah, that exists in homes across Australia at the moment

454
00:19:57,480 --> 00:19:58,840
Speaker 2: and across generations.

455
00:19:59,000 --> 00:19:59,600
Speaker 3: At the moment.

456
00:20:00,119 --> 00:20:04,040
Speaker 2: You see older people who have invested well and long

457
00:20:04,160 --> 00:20:08,880
Speaker 2: term and consistently and relatively conservatively. They're retiring without any

458
00:20:08,960 --> 00:20:10,639
Speaker 2: level of stress. And then you're seeing a lot of

459
00:20:10,680 --> 00:20:13,080
Speaker 2: people who are turning to the pension and that's their

460
00:20:13,119 --> 00:20:16,040
Speaker 2: only source of income and they feel like they can't

461
00:20:16,119 --> 00:20:18,840
Speaker 2: stop work because they also can't deal with the lack

462
00:20:18,840 --> 00:20:21,639
Speaker 2: of income that's going to come from cutting back to

463
00:20:21,720 --> 00:20:24,760
Speaker 2: the pension. Like it's it's crazy the impact finance has

464
00:20:24,800 --> 00:20:27,400
Speaker 2: on us long term, and it just makes so much

465
00:20:27,440 --> 00:20:30,399
Speaker 2: more sense to be talking about this more regularly and

466
00:20:30,440 --> 00:20:34,000
Speaker 2: more honestly and actually taking it in our stride instead

467
00:20:34,040 --> 00:20:37,520
Speaker 2: of just saying, Okay, well that's a job for future me. No,

468
00:20:37,760 --> 00:20:39,720
Speaker 2: we're looking after future me by doing this.

469
00:20:40,240 --> 00:20:46,359
Speaker 5: Gin I were talking earlier. Ill together, do we get

470
00:20:46,400 --> 00:20:50,640
Speaker 5: free drinks at some sort of book launch party?

471
00:20:50,920 --> 00:20:51,720
Speaker 3: You want free drinks?

472
00:20:52,080 --> 00:20:53,240
Speaker 5: Money? There? See?

473
00:20:53,320 --> 00:20:53,720
Speaker 3: I see.

474
00:20:53,920 --> 00:20:55,520
Speaker 5: I know it might not be locked in, but is

475
00:20:55,520 --> 00:20:57,480
Speaker 5: there something that we can look forward to or what's

476
00:20:57,520 --> 00:20:58,480
Speaker 5: your What can you say?

477
00:20:58,840 --> 00:21:02,239
Speaker 2: I I could say anything, because nothing's locked in.

478
00:21:02,359 --> 00:21:03,119
Speaker 5: What are you wanting?

479
00:21:03,440 --> 00:21:06,119
Speaker 2: Oh my gosh, I want to create She's on the

480
00:21:06,119 --> 00:21:08,560
Speaker 2: Money parties. I would love to think that we could

481
00:21:09,119 --> 00:21:11,520
Speaker 2: organize in each different state like kind of like a

482
00:21:11,600 --> 00:21:13,720
Speaker 2: meet and greet and a book launch, and we do

483
00:21:13,840 --> 00:21:16,160
Speaker 2: like a mini like workshop of one of the chapters

484
00:21:16,160 --> 00:21:17,960
Speaker 2: of the book and then just stick around to have

485
00:21:18,040 --> 00:21:21,760
Speaker 2: drinks and catch up. Like I genuinely feel, especially through

486
00:21:21,880 --> 00:21:25,200
Speaker 2: COVID last year, that I connected really deeply with my

487
00:21:25,320 --> 00:21:27,880
Speaker 2: She's on the Money community and so many people across

488
00:21:27,920 --> 00:21:30,800
Speaker 2: the country that's kind of like, Hey, it's actually the

489
00:21:30,840 --> 00:21:34,320
Speaker 2: week of the book Launch's the second birthday of She's

490
00:21:34,320 --> 00:21:35,320
Speaker 2: on the Money podcast.

491
00:21:35,440 --> 00:21:36,720
Speaker 3: Who so that's kind of wow.

492
00:21:36,880 --> 00:21:37,040
Speaker 5: Wow.

493
00:21:37,080 --> 00:21:40,560
Speaker 2: Can't we have a little birthday party and celebrate all

494
00:21:40,600 --> 00:21:42,320
Speaker 2: of that and where we've come from and who we

495
00:21:42,359 --> 00:21:45,040
Speaker 2: are in the progress we've made and the community members

496
00:21:45,040 --> 00:21:47,640
Speaker 2: that have changed their lives in two years because they

497
00:21:47,760 --> 00:21:50,280
Speaker 2: exist and that's crazy and really really cool.

498
00:21:50,520 --> 00:21:53,520
Speaker 5: Does this mean that g King on Tour will in

499
00:21:53,520 --> 00:21:55,000
Speaker 5: fact be so on tour.

500
00:21:57,040 --> 00:22:00,159
Speaker 2: Exactly? And I think that would be really fun. At

501
00:22:00,160 --> 00:22:03,320
Speaker 2: the moment, I'm looking into how to facilitate that and

502
00:22:03,440 --> 00:22:06,040
Speaker 2: what that would actually look like. But I mean, if

503
00:22:06,080 --> 00:22:08,359
Speaker 2: you guys have any ideas, please hit me up because

504
00:22:08,400 --> 00:22:09,760
Speaker 2: I need all the help I can get.

505
00:22:10,040 --> 00:22:12,400
Speaker 5: Phone party yeah in BALI, I.

506
00:22:12,400 --> 00:22:17,560
Speaker 2: Mean that's that's actually completely unattainable at this point in time.

507
00:22:18,240 --> 00:22:18,720
Speaker 3: Phone past.

508
00:22:18,800 --> 00:22:20,200
Speaker 5: They give me ideas and we did.

509
00:22:20,400 --> 00:22:22,479
Speaker 2: We just felt like, why would we throw a second

510
00:22:22,520 --> 00:22:26,679
Speaker 2: birthday party? Get some jumping castles? We could do Oh

511
00:22:26,680 --> 00:22:28,480
Speaker 2: my gosh, I would love a petting zoo. You would

512
00:22:28,520 --> 00:22:30,760
Speaker 2: actually I would go crazy for a petting zoo. You

513
00:22:30,800 --> 00:22:32,680
Speaker 2: could just be like, ah, we got a duck. There'll

514
00:22:32,720 --> 00:22:34,280
Speaker 2: be a duck, and I'll be like that is enough.

515
00:22:34,320 --> 00:22:35,200
Speaker 2: Off fly to Brisbane.

516
00:22:36,200 --> 00:22:39,359
Speaker 5: Here's my idea. The book is called Obviously she's on

517
00:22:39,400 --> 00:22:39,920
Speaker 5: the money.

518
00:22:40,800 --> 00:22:42,600
Speaker 3: I make the most of that title.

519
00:22:43,160 --> 00:22:45,560
Speaker 5: Here's the challenge I'd like to put into the Facebook

520
00:22:45,560 --> 00:22:46,440
Speaker 5: group for the weekend.

521
00:22:46,640 --> 00:22:47,520
Speaker 3: Okay, what is it?

522
00:22:48,080 --> 00:22:52,960
Speaker 5: What is your alternative possibly pun base but not a

523
00:22:52,960 --> 00:22:57,880
Speaker 5: hard rule, but your fun random alternative book title? What

524
00:22:57,920 --> 00:22:58,720
Speaker 5: could it be called?

525
00:22:58,960 --> 00:23:00,440
Speaker 3: What should have t Yeah?

526
00:23:00,480 --> 00:23:02,840
Speaker 5: Book? And you know, wink wink, nudge, nad, just come

527
00:23:02,920 --> 00:23:05,440
Speaker 5: up with something funny and the funniest one free book.

528
00:23:05,760 --> 00:23:08,320
Speaker 2: Yep, I'm so excited to give away so many free books.

529
00:23:08,359 --> 00:23:10,880
Speaker 2: I literally cannot wage. That was one of the things.

530
00:23:10,920 --> 00:23:13,800
Speaker 2: You know, when you negotiate a book contract, you actually

531
00:23:13,920 --> 00:23:14,440
Speaker 2: go to mean.

532
00:23:14,440 --> 00:23:16,760
Speaker 5: You know, no, we don't know who knows that you

533
00:23:16,800 --> 00:23:17,840
Speaker 5: know what negotiated book?

534
00:23:18,400 --> 00:23:21,720
Speaker 2: I don't know that, to be honest, turns out, when

535
00:23:21,720 --> 00:23:25,359
Speaker 2: you negotiate a book contract, you actually like have a

536
00:23:25,359 --> 00:23:27,720
Speaker 2: certain number of like author copies that you get.

537
00:23:27,840 --> 00:23:29,960
Speaker 3: And here's meebing like how many can gay yet? And

538
00:23:29,960 --> 00:23:31,639
Speaker 3: they're like, why do you want so many copies.

539
00:23:31,359 --> 00:23:34,560
Speaker 2: Of your book so I can give it away like Oprah?

540
00:23:34,600 --> 00:23:37,240
Speaker 2: So it can be Oprah, but on a very tiny scale.

541
00:23:37,560 --> 00:23:38,400
Speaker 5: So how many did you get?

542
00:23:39,160 --> 00:23:40,879
Speaker 3: I can't even remember, to be honest, it was a

543
00:23:40,920 --> 00:23:41,400
Speaker 3: while ago.

544
00:23:41,560 --> 00:23:43,960
Speaker 2: Okay, but you best believe I'll be buying so many

545
00:23:43,960 --> 00:23:45,520
Speaker 2: copies so I can give them away.

546
00:23:45,680 --> 00:23:47,919
Speaker 5: All right, So we're obviously excited about the launch. Office's

547
00:23:47,960 --> 00:23:50,320
Speaker 5: on the money of the book. But our mates, I mean,

548
00:23:50,480 --> 00:23:52,680
Speaker 5: so you should be two years of hard work. I mean,

549
00:23:52,840 --> 00:23:53,879
Speaker 5: at least crack a smile.

550
00:23:54,160 --> 00:23:55,399
Speaker 3: I did, and I also cracked a.

551
00:23:55,400 --> 00:23:59,359
Speaker 5: Be So our mates at up Bank have also launched

552
00:23:59,359 --> 00:23:59,959
Speaker 5: something of their own.

553
00:24:00,240 --> 00:24:02,520
Speaker 2: They actually have which is really fun, and you can

554
00:24:02,720 --> 00:24:06,080
Speaker 2: find me on their website because they have partnered with

555
00:24:06,119 --> 00:24:09,000
Speaker 2: me to do a Master your Money Goals series for

556
00:24:09,080 --> 00:24:11,000
Speaker 2: their easy Money campaign. And I'm not sure if you

557
00:24:11,080 --> 00:24:13,600
Speaker 2: guys have seen this yet. I'm just really excited about

558
00:24:13,640 --> 00:24:16,160
Speaker 2: it because they did a TikTok filter where you can

559
00:24:16,240 --> 00:24:16,920
Speaker 2: like eat.

560
00:24:16,720 --> 00:24:17,680
Speaker 3: The dollar coin.

561
00:24:17,800 --> 00:24:19,840
Speaker 2: You kind of look silly, but it's kind of addictive

562
00:24:19,880 --> 00:24:22,359
Speaker 2: and you kind of look really dumb, but like looking.

563
00:24:22,160 --> 00:24:23,679
Speaker 3: Dumb can be fun, right, Georgia.

564
00:24:23,720 --> 00:24:26,159
Speaker 5: Absolutely, I saw that ten million people have used that

565
00:24:26,200 --> 00:24:28,840
Speaker 5: I got ten million views, or I saw that million

566
00:24:28,880 --> 00:24:29,800
Speaker 5: people having a good time.

567
00:24:29,880 --> 00:24:31,720
Speaker 2: Yeah, they've done a really good job of it. And

568
00:24:31,800 --> 00:24:33,640
Speaker 2: I actually got to go to their office a couple

569
00:24:33,720 --> 00:24:36,480
Speaker 2: of weeks ago and I did this fancy photo shoot

570
00:24:36,480 --> 00:24:38,320
Speaker 2: and they'd set everything up and then they let me

571
00:24:38,400 --> 00:24:41,040
Speaker 2: have lunch with their team and they made me so

572
00:24:41,200 --> 00:24:44,920
Speaker 2: many snacks, like rock Well from up Bank actually organized

573
00:24:44,920 --> 00:24:47,479
Speaker 2: this epicating which was all gluten free and vegan, and

574
00:24:47,960 --> 00:24:49,240
Speaker 2: it was like so good.

575
00:24:49,320 --> 00:24:50,760
Speaker 3: I had to keep questioning him, being.

576
00:24:50,640 --> 00:24:54,879
Speaker 2: Like, is this usual, because like that's chocolate pastry, Like

577
00:24:54,960 --> 00:24:57,400
Speaker 2: that is two things that I'm usually not allowed to eat.

578
00:24:57,600 --> 00:25:01,160
Speaker 3: Turns out it was. We also drank at eleven am.

579
00:25:01,320 --> 00:25:03,040
Speaker 5: I was gonna say, I'm pretty sure I saw you

580
00:25:03,080 --> 00:25:04,399
Speaker 5: later on that afternoon. I was about to ask if

581
00:25:04,400 --> 00:25:07,480
Speaker 5: they were drinking Bold because I've had this Upbank finger. Yeah.

582
00:25:07,920 --> 00:25:09,879
Speaker 2: So I was their office and their office is actually

583
00:25:09,920 --> 00:25:12,600
Speaker 2: epic and I'm a little bit jealous of it. But

584
00:25:12,760 --> 00:25:15,040
Speaker 2: we're working on this little campaign together, which is actually

585
00:25:15,040 --> 00:25:17,560
Speaker 2: why they're sponsoring today's episode. They didn't sponsor this segment,

586
00:25:17,600 --> 00:25:20,160
Speaker 2: but I just wanted to talk about them anyway. But essentially,

587
00:25:20,240 --> 00:25:22,800
Speaker 2: we're combining that She's on the Money advice with smart

588
00:25:22,880 --> 00:25:25,200
Speaker 2: upmoves so that you can put all of your money

589
00:25:25,200 --> 00:25:28,240
Speaker 2: goals into action and actually use a bank the best

590
00:25:28,240 --> 00:25:30,760
Speaker 2: way that you possibly can, which I'm really excited about.

591
00:25:30,760 --> 00:25:32,760
Speaker 2: But there's a whole money Goals series coming up, and

592
00:25:32,880 --> 00:25:35,680
Speaker 2: I think that you guys would actually be pretty interested.

593
00:25:35,359 --> 00:25:37,320
Speaker 3: In it because it's essentially free workshops.

594
00:25:37,359 --> 00:25:41,480
Speaker 5: So funnywin up dot com dot Au slash She's on

595
00:25:41,520 --> 00:25:41,920
Speaker 5: the Money.

596
00:25:42,000 --> 00:25:43,720
Speaker 3: I'm on a bank website.

597
00:25:45,240 --> 00:25:47,600
Speaker 4: It is very fun already, guys, it has been in

598
00:25:47,600 --> 00:25:50,600
Speaker 4: an absolute hoot. But I think that is probably all

599
00:25:50,640 --> 00:25:55,719
Speaker 4: we have time for today before we sadly, always sadly,

600
00:25:56,000 --> 00:25:57,879
Speaker 4: before we do head off, we'd of course like to

601
00:25:57,920 --> 00:26:01,359
Speaker 4: acknowledge and pay respect to Australia's Aboriginal and Torres Strait

602
00:26:01,400 --> 00:26:04,920
Speaker 4: Islander people's, the traditional custodians of the lands, the waterways

603
00:26:04,920 --> 00:26:08,000
Speaker 4: and the skies right across Australia. We thank you for

604
00:26:08,040 --> 00:26:10,119
Speaker 4: sharing and caring for the land on which we are

605
00:26:10,119 --> 00:26:12,840
Speaker 4: able to learn. We pay our respects to elder's past

606
00:26:12,880 --> 00:26:16,560
Speaker 4: and present, and share our friendship and kindness. And please

607
00:26:16,600 --> 00:26:19,199
Speaker 4: remember everyone that the advice shared on She's on the

608
00:26:19,240 --> 00:26:21,800
Speaker 4: Money is general in nature and does not consider your

609
00:26:21,840 --> 00:26:25,879
Speaker 4: individual circumstances. She's on the Money exists purely for educational

610
00:26:25,880 --> 00:26:28,400
Speaker 4: purposes and should not be relied upon to make an

611
00:26:28,400 --> 00:26:32,119
Speaker 4: investment or a financial decision. And we promise Victoria Devine

612
00:26:32,160 --> 00:26:36,479
Speaker 4: is an authorized representative of Australia Pacific Funds Management Proprietary Limited.

613
00:26:36,520 --> 00:26:39,600
Speaker 4: I can never say proprietary apn.

614
00:26:39,160 --> 00:26:41,680
Speaker 2: Amy Lenardi, who is one a friend of the show,

615
00:26:41,760 --> 00:26:46,000
Speaker 2: but to also their property playbook cost which is coming

616
00:26:46,000 --> 00:26:48,600
Speaker 2: out soon. She used to say pity little because she

617
00:26:48,600 --> 00:26:49,040
Speaker 2: didn't know.

618
00:26:49,000 --> 00:26:53,160
Speaker 3: What So shout out to Amy Lenardi.

619
00:26:53,560 --> 00:26:55,800
Speaker 5: Love that this is brought to you by she's the

620
00:26:55,880 --> 00:26:57,040
Speaker 5: money pity.

621
00:26:56,800 --> 00:27:00,760
Speaker 4: Little, Pity Little ABN three four one three two four

622
00:27:00,800 --> 00:27:03,000
Speaker 4: six three two five seven afs L three three nine

623
00:27:03,080 --> 00:27:06,800
Speaker 4: one five one and a big thanks to Brian John

624
00:27:07,240 --> 00:27:11,520
Speaker 4: for putting together today's podcast. That's how it always ends.

625
00:27:11,600 --> 00:27:13,919
Speaker 4: That's the that's the script wrap that I have.

626
00:27:14,040 --> 00:27:15,600
Speaker 5: I'm actually gonna ship it off. Someone else is going

627
00:27:15,640 --> 00:27:16,240
Speaker 5: to do it this week.

628
00:27:16,520 --> 00:27:19,400
Speaker 3: Oh thank you for random editor of the Internet. We

629
00:27:19,440 --> 00:27:20,040
Speaker 3: adore you.

630
00:27:21,840 --> 00:27:26,040
Speaker 5: Thank you, Fiver dot com, Thank fi dot com.

631
00:27:26,160 --> 00:27:29,280
Speaker 4: Until next week, guys, Bye,