1
00:00:00,840 --> 00:00:03,400
Speaker 1: Just before we get started, we'd like to acknowledge and

2
00:00:03,520 --> 00:00:07,240
Speaker 1: pay respect to Australia's Aboriginal and torrest Right Islander peoples.

3
00:00:07,520 --> 00:00:10,760
Speaker 1: They're the traditional custodians of the lands, the waterways and

4
00:00:10,800 --> 00:00:14,200
Speaker 1: the skies all across Australia. We thank you for sharing

5
00:00:14,280 --> 00:00:16,320
Speaker 1: and for caring for the land on which we are

6
00:00:16,400 --> 00:00:19,800
Speaker 1: able to learn. We pay respects to elders past and present,

7
00:00:19,960 --> 00:00:22,200
Speaker 1: and we share our friendship and our kindness.

8
00:00:22,640 --> 00:00:41,880
Speaker 2: She's on the Money, She's on the Money.

9
00:00:45,640 --> 00:00:48,720
Speaker 3: Hello, and welcome to She's on the Money, the podcast

10
00:00:48,800 --> 00:00:52,239
Speaker 3: Millennials who Want Financial Freedom. Welcome back to another one

11
00:00:52,280 --> 00:00:54,520
Speaker 3: of our shop back Money Diary mondays, where we get

12
00:00:54,560 --> 00:00:56,680
Speaker 3: to chat to a community member to learn about them,

13
00:00:56,760 --> 00:01:00,360
Speaker 3: their money, their life, all the fun bits in between. Victoria, Hey,

14
00:01:00,360 --> 00:01:00,959
Speaker 3: you going.

15
00:01:01,080 --> 00:01:02,640
Speaker 1: I'm very excited about this one.

16
00:01:03,120 --> 00:01:03,880
Speaker 3: It's a good one.

17
00:01:04,120 --> 00:01:07,240
Speaker 1: You keep saying that you and Analie keeping.

18
00:01:06,959 --> 00:01:08,399
Speaker 3: A very very good one.

19
00:01:08,600 --> 00:01:10,800
Speaker 1: Okay, Well you say that at the beginning of every

20
00:01:10,840 --> 00:01:13,959
Speaker 1: single money diary. I'm beginning to not like, there's no

21
00:01:14,040 --> 00:01:16,240
Speaker 1: reason to not trust you, but I'm starting to.

22
00:01:16,240 --> 00:01:19,119
Speaker 3: Go you're starting to not trust me though, No, not a.

23
00:01:19,120 --> 00:01:21,360
Speaker 1: Lack of trust. I'd just be like, Oh, she really

24
00:01:21,360 --> 00:01:22,720
Speaker 1: thinks everything is great.

25
00:01:22,760 --> 00:01:24,400
Speaker 3: Easy to please. No, this one's a little bit like

26
00:01:24,440 --> 00:01:25,760
Speaker 3: a movie. Let me tell you all about it like

27
00:01:25,760 --> 00:01:29,160
Speaker 3: a movie. Yeah, so, Adira said. After working as a

28
00:01:29,200 --> 00:01:33,319
Speaker 3: covert operative or undercover police officer, I was burnt out

29
00:01:33,360 --> 00:01:35,640
Speaker 3: and I took seven months leave without pay. While I

30
00:01:35,720 --> 00:01:38,080
Speaker 3: was working, I started my own business, creating a yearly

31
00:01:38,160 --> 00:01:40,959
Speaker 3: planner for women, focusing on goal setting, budgeting, and never

32
00:01:41,040 --> 00:01:43,560
Speaker 3: ever forgetting how brilliant and capable you truly are.

33
00:01:43,800 --> 00:01:46,360
Speaker 1: What a career pivot? Who just goes ohs? And under

34
00:01:46,400 --> 00:01:48,480
Speaker 1: cover cop? Now I want to make planners.

35
00:01:48,000 --> 00:01:50,360
Speaker 3: I know right. For my seven months off, I bought

36
00:01:50,360 --> 00:01:52,960
Speaker 3: a van and traveled around Australia whilst running my business

37
00:01:53,000 --> 00:01:55,240
Speaker 3: and since returning to work. I sold my business last

38
00:01:55,280 --> 00:01:57,480
Speaker 3: year for a profit. I have now started a new

39
00:01:57,520 --> 00:01:59,720
Speaker 3: business which is teaching women how to find a balance

40
00:01:59,720 --> 00:02:02,160
Speaker 3: and access in all areas of their life. I am

41
00:02:02,200 --> 00:02:04,360
Speaker 3: about to take long service leave six months and I

42
00:02:04,360 --> 00:02:06,560
Speaker 3: hope that I can properly follow my passion and not

43
00:02:06,640 --> 00:02:08,640
Speaker 3: have to return to work. It's been a tough few

44
00:02:08,680 --> 00:02:09,680
Speaker 3: years as a police officer.

45
00:02:10,280 --> 00:02:13,320
Speaker 1: What money diarist, Welcome to the show.

46
00:02:14,160 --> 00:02:14,600
Speaker 4: Thank you.

47
00:02:15,040 --> 00:02:17,760
Speaker 1: I told you I told you. I told you before

48
00:02:17,800 --> 00:02:21,040
Speaker 1: we started actually recording. You got on zoom and I

49
00:02:21,120 --> 00:02:23,200
Speaker 1: was like, you look like you'd be heaps of fun.

50
00:02:23,720 --> 00:02:25,600
Speaker 4: And you are, Oh, thank you.

51
00:02:25,960 --> 00:02:28,440
Speaker 1: How does that work? Oh my gosh, money dives. I

52
00:02:28,440 --> 00:02:30,440
Speaker 1: have so many questions, but Jess is going to kill

53
00:02:30,440 --> 00:02:32,320
Speaker 1: me if I don't leave them to the appropriate time

54
00:02:32,360 --> 00:02:35,760
Speaker 1: to ask them. So let's jump straight in money diarist.

55
00:02:35,840 --> 00:02:38,240
Speaker 1: I want to know a little bit about your money story.

56
00:02:38,680 --> 00:02:42,120
Speaker 4: Yeah, well, I think that sort of like that background

57
00:02:42,200 --> 00:02:45,880
Speaker 4: gives a really good indicator about, you know, where my

58
00:02:46,120 --> 00:02:49,720
Speaker 4: passions lie. Money sort of only really became a focus

59
00:02:49,800 --> 00:02:53,080
Speaker 4: for me once I joined the police. Before that, I

60
00:02:53,120 --> 00:02:55,440
Speaker 4: really was a bit of a gypsy. I pretty much

61
00:02:55,480 --> 00:02:58,600
Speaker 4: spent all my money on travel, and then once I

62
00:02:58,880 --> 00:03:02,680
Speaker 4: sort of got my confirmation and join the police service,

63
00:03:02,800 --> 00:03:04,840
Speaker 4: it really just became about, Okay, what am I going

64
00:03:04,919 --> 00:03:07,880
Speaker 4: to do from here? Do I buy a house? Essentially,

65
00:03:07,960 --> 00:03:10,080
Speaker 4: I was like, I better calm down and you know,

66
00:03:10,160 --> 00:03:12,000
Speaker 4: start making some adult decisions.

67
00:03:13,120 --> 00:03:15,720
Speaker 1: You're a cop now, Yeah, I feel like adult decisions

68
00:03:15,760 --> 00:03:18,560
Speaker 1: are what cops should be making. I just feel like

69
00:03:18,600 --> 00:03:21,200
Speaker 1: that's a lot of responsibility. But at the end of

70
00:03:21,240 --> 00:03:23,800
Speaker 1: the day, you are people with careers. Who have incomes

71
00:03:23,800 --> 00:03:26,919
Speaker 1: who need to budget and cash flow as well. I'm shurek.

72
00:03:27,000 --> 00:03:29,680
Speaker 1: I'm so excited to learn more. All right, So we

73
00:03:29,760 --> 00:03:32,880
Speaker 1: know that you were what was it, an undercover operative?

74
00:03:33,160 --> 00:03:33,720
Speaker 1: Is that right?

75
00:03:34,160 --> 00:03:37,520
Speaker 4: Yeah? So that's just been a small chunk or small

76
00:03:37,600 --> 00:03:40,960
Speaker 4: portion of my experience within the police service. So I'm

77
00:03:41,000 --> 00:03:44,160
Speaker 4: just back in general duties now, just doing the regular So.

78
00:03:44,000 --> 00:03:46,600
Speaker 1: You're still a cop, and then you also have a

79
00:03:46,600 --> 00:03:51,160
Speaker 1: business on the side, Yes, I do, right, that makes sense.

80
00:03:51,280 --> 00:03:52,640
Speaker 4: I like to keep myself busy.

81
00:03:53,080 --> 00:03:55,640
Speaker 1: Oh my gosh. All right, so that leads into the

82
00:03:55,720 --> 00:03:58,120
Speaker 1: question of what do you do for work officially and

83
00:03:58,280 --> 00:03:59,640
Speaker 1: how much money do you earn?

84
00:04:00,200 --> 00:04:04,760
Speaker 4: So, yeah, police officer, full time, I earn My last

85
00:04:04,840 --> 00:04:07,320
Speaker 4: year's taxil income was one hundred and two, so just

86
00:04:07,400 --> 00:04:11,080
Speaker 4: over one hundred and everything relating to my business now,

87
00:04:11,120 --> 00:04:13,200
Speaker 4: I don't pay myself a wage at the moment. It

88
00:04:13,280 --> 00:04:15,320
Speaker 4: is relatively new, so it's kind of all just going

89
00:04:15,360 --> 00:04:18,279
Speaker 4: back into keeping that going and growing it to the

90
00:04:18,320 --> 00:04:20,279
Speaker 4: point where I would love to be able to pay

91
00:04:20,320 --> 00:04:22,640
Speaker 4: myself and make it my full time thing.

92
00:04:22,920 --> 00:04:27,560
Speaker 1: That is genuinely so cool. It's interesting as well because

93
00:04:27,680 --> 00:04:30,039
Speaker 1: I have a friend who is also a cop with

94
00:04:30,080 --> 00:04:33,039
Speaker 1: a side business. They do lots of night shift, they

95
00:04:33,360 --> 00:04:35,080
Speaker 1: do a whole heap of work, and then they come

96
00:04:35,080 --> 00:04:37,599
Speaker 1: home and they run this business. And to be honest,

97
00:04:37,680 --> 00:04:40,640
Speaker 1: I hadn't really thought about that type of career as

98
00:04:40,680 --> 00:04:42,440
Speaker 1: the type of career that would enable you to have

99
00:04:42,480 --> 00:04:45,400
Speaker 1: a side hustle or a side business. How open is

100
00:04:45,440 --> 00:04:47,599
Speaker 1: the police force to you, you know, running a business

101
00:04:47,640 --> 00:04:48,320
Speaker 1: in your own time.

102
00:04:48,640 --> 00:04:50,520
Speaker 4: I think it's as long as it's not a conflict

103
00:04:50,520 --> 00:04:53,680
Speaker 4: of interest and it's not bringing them into you know, disrepute.

104
00:04:53,720 --> 00:04:56,200
Speaker 4: It's nothing that could be frowned upon. So I guess

105
00:04:56,200 --> 00:04:59,120
Speaker 4: like only fans is ruled out to say that.

106
00:04:59,160 --> 00:05:01,520
Speaker 1: But I was like, is this appropriate? No only fans

107
00:05:01,520 --> 00:05:05,279
Speaker 1: for you? No killer content? Right?

108
00:05:05,640 --> 00:05:07,880
Speaker 4: I'm sure. I listened to one of your episodes where

109
00:05:07,920 --> 00:05:09,280
Speaker 4: you spoke to someone.

110
00:05:08,960 --> 00:05:11,279
Speaker 1: Who makes BANGK on only fan Yes.

111
00:05:11,120 --> 00:05:13,760
Speaker 4: And I was like, so tempting. No. I love what

112
00:05:13,880 --> 00:05:16,160
Speaker 4: I do, so at the moment that's my biggest focus.

113
00:05:16,279 --> 00:05:19,200
Speaker 1: Yeah, airpic all right. I want to know what is

114
00:05:19,240 --> 00:05:20,760
Speaker 1: your big money goal.

115
00:05:21,320 --> 00:05:24,240
Speaker 4: I want to have my home loan, my mortgage paid

116
00:05:24,279 --> 00:05:25,839
Speaker 4: off in the next five years.

117
00:05:25,839 --> 00:05:28,560
Speaker 1: Oh that is a lofty goal. How are we tracking?

118
00:05:28,800 --> 00:05:29,560
Speaker 4: I'm halfway?

119
00:05:29,920 --> 00:05:31,440
Speaker 1: Who so Yeah.

120
00:05:31,720 --> 00:05:35,440
Speaker 4: So I bought my apartment in twenty sixteen and have

121
00:05:35,600 --> 00:05:37,800
Speaker 4: just gone absolutely ham. I bought it for four point

122
00:05:37,800 --> 00:05:40,520
Speaker 4: fifty and I've paid just over two twenty five. Wow.

123
00:05:40,760 --> 00:05:45,320
Speaker 1: Congratulations, that's epic. Thank you, that is so epic. Al right,

124
00:05:45,600 --> 00:05:49,159
Speaker 1: next question, do you have any investments? If so, what

125
00:05:49,360 --> 00:05:49,760
Speaker 1: are they?

126
00:05:50,279 --> 00:05:53,320
Speaker 4: I do, so that unit has technically become an investment

127
00:05:53,360 --> 00:05:56,760
Speaker 4: for me. I'm currently renting it out and I also

128
00:05:56,880 --> 00:05:59,920
Speaker 4: started my investment journey with six Park last year.

129
00:06:00,120 --> 00:06:03,039
Speaker 1: Oh my gosh, are you doing like straight six Park?

130
00:06:03,120 --> 00:06:04,600
Speaker 1: Or do she's on the money? Six Park?

131
00:06:04,920 --> 00:06:05,640
Speaker 4: She's on the money.

132
00:06:06,000 --> 00:06:07,599
Speaker 1: Yes, Queen so esthetic.

133
00:06:07,640 --> 00:06:09,760
Speaker 3: We'll see you at our investor update this week.

134
00:06:09,880 --> 00:06:11,640
Speaker 1: Yeah, when are you coming to the investor update?

135
00:06:11,720 --> 00:06:14,200
Speaker 4: I got the email, but I haven't registered or anything yet.

136
00:06:14,240 --> 00:06:15,880
Speaker 4: I need to get onto Chop Chop.

137
00:06:15,880 --> 00:06:18,480
Speaker 1: I'm running investor updates. We need to be there. We

138
00:06:18,520 --> 00:06:22,640
Speaker 1: are educated investors. I love that. That's so exciting. All right,

139
00:06:22,760 --> 00:06:24,400
Speaker 1: now to flip it. You did say you still have

140
00:06:24,440 --> 00:06:26,400
Speaker 1: some of your mortgage, so we know you have some debt.

141
00:06:26,600 --> 00:06:29,520
Speaker 1: But do you have debt? If so, how much that's it?

142
00:06:29,800 --> 00:06:33,159
Speaker 4: So? I've recently paid off my car. The rest of

143
00:06:33,200 --> 00:06:35,479
Speaker 4: my car loan, but that was using offset from my

144
00:06:35,560 --> 00:06:38,159
Speaker 4: home loan, so that sort of bumped back up a

145
00:06:38,160 --> 00:06:41,400
Speaker 4: little bit. But that technically makes my mortgage my only debt.

146
00:06:41,600 --> 00:06:46,599
Speaker 1: Yeah, very cool, very cool. Next question is, my friend,

147
00:06:46,640 --> 00:06:48,200
Speaker 1: do you use shop back?

148
00:06:48,480 --> 00:06:53,280
Speaker 4: I don't. I don't, and purely because I don't really shop.

149
00:06:53,480 --> 00:06:56,480
Speaker 4: I'm such off your mortgage.

150
00:06:56,720 --> 00:06:59,320
Speaker 1: Yeah, Like, if you're paying that much off your mortgage,

151
00:06:59,360 --> 00:07:02,080
Speaker 1: you don't have money to spend on shopping. I'm telling

152
00:07:02,120 --> 00:07:04,719
Speaker 1: you that right now. To be that aggressive, which is

153
00:07:04,800 --> 00:07:07,280
Speaker 1: very impressive, doesn't leave a lot of wigger room in

154
00:07:07,320 --> 00:07:08,120
Speaker 1: the budget, does it.

155
00:07:08,440 --> 00:07:11,000
Speaker 4: Yeah. Yeah, I don't really online shop, and if I

156
00:07:11,080 --> 00:07:14,000
Speaker 4: do ever treat myself, it's always with some sort of

157
00:07:14,040 --> 00:07:17,000
Speaker 4: discount code that I've found somewhere. You know it get

158
00:07:17,040 --> 00:07:19,480
Speaker 4: with me twenty or thirty percent off anyway. So it's

159
00:07:19,560 --> 00:07:22,080
Speaker 4: very rare that I have a paid full price for something.

160
00:07:22,320 --> 00:07:25,280
Speaker 1: That's a really good money habit. And that leads into

161
00:07:25,360 --> 00:07:28,600
Speaker 1: our next question, which is what's your best money habit.

162
00:07:29,160 --> 00:07:31,800
Speaker 4: I would say it's my budgeting and everything sort of

163
00:07:31,840 --> 00:07:36,240
Speaker 4: associated with that. I'm always constantly checking in making sure

164
00:07:36,280 --> 00:07:38,160
Speaker 4: that I'm sort of living within my means and I

165
00:07:38,240 --> 00:07:41,800
Speaker 4: have that extra money to put away for emergencies and

166
00:07:41,880 --> 00:07:45,400
Speaker 4: my savings and you know, moving forward with my money.

167
00:07:45,400 --> 00:07:49,559
Speaker 4: I think my biggest, I guess goal is to really

168
00:07:49,600 --> 00:07:53,600
Speaker 4: be financially free and financially independent and not have to

169
00:07:53,640 --> 00:07:55,960
Speaker 4: sort of rely on a job so I can follow

170
00:07:55,960 --> 00:07:58,320
Speaker 4: my passions. So that has been like a real driver

171
00:07:58,480 --> 00:07:58,760
Speaker 4: for me.

172
00:07:59,120 --> 00:08:01,240
Speaker 1: I love that. That's actually is so exciting. And it

173
00:08:01,240 --> 00:08:03,440
Speaker 1: always feel really bad bringing up the next question because

174
00:08:03,440 --> 00:08:05,520
Speaker 1: I feel like I'm taking the whole conversation down a notch.

175
00:08:05,600 --> 00:08:06,440
Speaker 3: But it's part of.

176
00:08:06,400 --> 00:08:07,880
Speaker 1: The show, you know, We've just got to do what

177
00:08:07,920 --> 00:08:10,600
Speaker 1: we've got to do. The next question is what's your

178
00:08:10,600 --> 00:08:12,360
Speaker 1: worst money have it in comparison?

179
00:08:12,720 --> 00:08:15,160
Speaker 4: I found this one hard, but I think if you

180
00:08:15,160 --> 00:08:18,000
Speaker 4: were to ask anyone that knows me, though, maybe say

181
00:08:18,040 --> 00:08:19,240
Speaker 4: it's that I'm a tied us.

182
00:08:20,200 --> 00:08:22,480
Speaker 1: Now that's a good money have it. We stand tied

183
00:08:22,600 --> 00:08:23,840
Speaker 1: us is in this community.

184
00:08:24,040 --> 00:08:26,320
Speaker 4: Yeah. I just always look at everything and go is

185
00:08:26,360 --> 00:08:28,840
Speaker 4: that value for money? And is my money best spent here?

186
00:08:29,360 --> 00:08:32,200
Speaker 4: So I guess I question everything before I spend money

187
00:08:32,240 --> 00:08:34,000
Speaker 4: on it, which can be annoying for the people around

188
00:08:34,080 --> 00:08:37,600
Speaker 4: me perhaps, but it's also the reason why I've been

189
00:08:37,720 --> 00:08:40,120
Speaker 4: as good with my money as I am.

190
00:08:40,360 --> 00:08:42,640
Speaker 1: Yeah, I feel like it's about balance too. Like if

191
00:08:42,640 --> 00:08:46,920
Speaker 1: you're like asking the question of is this value for money,

192
00:08:46,960 --> 00:08:49,560
Speaker 1: that to me is quite different too. I just don't

193
00:08:49,600 --> 00:08:51,920
Speaker 1: want to spend money, Like I think that that's a

194
00:08:52,040 --> 00:08:55,640
Speaker 1: very different mindset, and arguably your mindset is much healthier

195
00:08:55,679 --> 00:08:57,800
Speaker 1: than I just don't want to spend and that can

196
00:08:57,800 --> 00:09:00,400
Speaker 1: be really negative and that can impact lots of things.

197
00:09:00,920 --> 00:09:03,720
Speaker 4: Yeah, I do definitely still splurge, Like, I don't feel

198
00:09:03,760 --> 00:09:06,559
Speaker 4: like I've missed out in the last six years that

199
00:09:06,600 --> 00:09:09,080
Speaker 4: I've owned my house. I've still traveled, I still have

200
00:09:09,240 --> 00:09:10,040
Speaker 4: weekends away.

201
00:09:10,280 --> 00:09:10,520
Speaker 1: You know.

202
00:09:10,640 --> 00:09:13,439
Speaker 4: If there's something that I want, I still make sure

203
00:09:13,480 --> 00:09:15,840
Speaker 4: I can get it. But I'm just really conscious about

204
00:09:16,000 --> 00:09:17,120
Speaker 4: how I go about that.

205
00:09:17,320 --> 00:09:19,439
Speaker 1: You're going to need to teach us your ways, because

206
00:09:20,000 --> 00:09:23,160
Speaker 1: I assumed that meant that you had forgone everything, and

207
00:09:23,200 --> 00:09:24,800
Speaker 1: now you're telling me that you still have a killer

208
00:09:24,880 --> 00:09:27,040
Speaker 1: life and you've fad off that much of your mortgage.

209
00:09:27,240 --> 00:09:28,800
Speaker 1: Kind of rude if you're asking.

210
00:09:28,559 --> 00:09:32,160
Speaker 4: Me, I wouldn't go that far. I feel like I've

211
00:09:32,240 --> 00:09:34,520
Speaker 4: learnt so much from you guys that it's just like

212
00:09:34,640 --> 00:09:37,480
Speaker 4: I'm the result of listening to the podcast, and we

213
00:09:37,520 --> 00:09:39,320
Speaker 4: will take on this. We will take it.

214
00:09:39,720 --> 00:09:41,760
Speaker 1: Jess and I are smiling ear to ear. We will

215
00:09:41,800 --> 00:09:44,360
Speaker 1: take that and run with it. So last question before

216
00:09:44,360 --> 00:09:46,880
Speaker 1: we get to deep dive into asking you some really

217
00:09:46,920 --> 00:09:50,000
Speaker 1: fun questions is what grade would you give your money

218
00:09:50,000 --> 00:09:52,120
Speaker 1: habits if we forced you to give yourself a grade.

219
00:09:52,480 --> 00:09:55,240
Speaker 4: I love this question because every time I listen to it,

220
00:09:55,280 --> 00:09:57,960
Speaker 4: I feel like the women that are answering are always

221
00:09:58,080 --> 00:10:01,360
Speaker 4: really hard on themselves. I know I'm going to say

222
00:10:01,360 --> 00:10:05,960
Speaker 4: an aus, and that's purely because I think I would

223
00:10:06,040 --> 00:10:09,000
Speaker 4: really love to be more confident when it comes to

224
00:10:09,080 --> 00:10:12,840
Speaker 4: shares and things like that. That's probably where my improvement lies.

225
00:10:13,000 --> 00:10:14,480
Speaker 4: I would say, oh, I love this.

226
00:10:14,720 --> 00:10:16,520
Speaker 1: All right, let's go to a really quick break, and

227
00:10:16,559 --> 00:10:18,840
Speaker 1: when we get back, I'm asking you all about being

228
00:10:18,920 --> 00:10:27,440
Speaker 1: an undercover cop. All right, money diarist, we are diving

229
00:10:27,480 --> 00:10:30,360
Speaker 1: straight back in. I'm very excited to ask you about

230
00:10:30,400 --> 00:10:32,959
Speaker 1: your business and about your journey and about how you've

231
00:10:32,960 --> 00:10:35,199
Speaker 1: paid off so much of your mortgage. But you cannot

232
00:10:35,240 --> 00:10:37,319
Speaker 1: lead a money diary entry with like, Hey, I was

233
00:10:37,320 --> 00:10:40,040
Speaker 1: an undercover cop and expect she's on the money to

234
00:10:40,080 --> 00:10:42,920
Speaker 1: not be like tell us, how does this work? Can

235
00:10:42,960 --> 00:10:45,040
Speaker 1: you tell us a little bit about that? Journey and

236
00:10:45,080 --> 00:10:47,080
Speaker 1: how you got there and how you knew you wanted

237
00:10:47,120 --> 00:10:48,920
Speaker 1: to do that, Like that's wild.

238
00:10:49,520 --> 00:10:54,040
Speaker 4: Yeah, So essentially it's just a course that's run. There's

239
00:10:54,080 --> 00:10:56,680
Speaker 4: really not a lot of information out there about it.

240
00:10:56,679 --> 00:11:00,440
Speaker 4: It is quite secretive and for obvious reasons. But it

241
00:11:00,520 --> 00:11:03,520
Speaker 4: was something that I kind of I'm always looking for

242
00:11:03,559 --> 00:11:05,960
Speaker 4: a challenge and I, you know, I like to do

243
00:11:06,120 --> 00:11:09,920
Speaker 4: things differently. I always wanted to be an actress growing up,

244
00:11:09,960 --> 00:11:11,520
Speaker 4: so I was like, you know, if I'm going to

245
00:11:11,520 --> 00:11:14,120
Speaker 4: be a police officer, maybe I can inject the two together.

246
00:11:14,400 --> 00:11:17,360
Speaker 4: So I was three years in and I did just

247
00:11:17,440 --> 00:11:21,440
Speaker 4: under two years with the unit, and yeah, some really

248
00:11:21,440 --> 00:11:24,240
Speaker 4: interesting jobs and it's just one of those units that

249
00:11:24,280 --> 00:11:27,920
Speaker 4: you'll never experience anything like it again. It's so it's

250
00:11:27,960 --> 00:11:29,600
Speaker 4: such a weird thing to be a part of. But

251
00:11:29,800 --> 00:11:32,040
Speaker 4: I'm really proud of, you know, the things that I achieved

252
00:11:32,040 --> 00:11:34,360
Speaker 4: while I was there. And they're kind of like a

253
00:11:34,440 --> 00:11:39,560
Speaker 4: last resort section, so really it's like their results driven

254
00:11:39,679 --> 00:11:41,720
Speaker 4: and yeah, I'm just very proud of the things that

255
00:11:41,760 --> 00:11:42,760
Speaker 4: I did whilst I was there.

256
00:11:42,960 --> 00:11:45,600
Speaker 1: Oh my gosh, is it too much to ask for

257
00:11:45,679 --> 00:11:49,880
Speaker 1: some interesting stories around what that actually looked like? Because

258
00:11:49,880 --> 00:11:52,200
Speaker 1: I think so many times we see on movies and

259
00:11:52,240 --> 00:11:53,960
Speaker 1: as just said this, this is a bit like a movie.

260
00:11:54,160 --> 00:11:57,000
Speaker 1: At the start, you just see what an undercover cop

261
00:11:57,000 --> 00:11:58,760
Speaker 1: looks like and you just pretend to be a gangster.

262
00:11:58,920 --> 00:12:01,440
Speaker 1: I'm pretty sure that's what your job description is. Is

263
00:12:01,440 --> 00:12:02,040
Speaker 1: that accurate?

264
00:12:03,040 --> 00:12:06,280
Speaker 4: Yeah? Sort of. I mean I guess I can't go into.

265
00:12:06,040 --> 00:12:08,359
Speaker 1: Two no, no, no, no, absolutely because.

266
00:12:08,120 --> 00:12:10,680
Speaker 4: You don't want to give away like methodology or anything

267
00:12:10,720 --> 00:12:14,320
Speaker 4: like that. But it was definitely, you know, fun to

268
00:12:14,360 --> 00:12:17,240
Speaker 4: play different characters and the people that you meet are

269
00:12:17,280 --> 00:12:19,880
Speaker 4: probably you know, people that you don't want to be

270
00:12:19,920 --> 00:12:23,160
Speaker 4: spending time normally, So it really took a lot of

271
00:12:23,160 --> 00:12:26,120
Speaker 4: self control and you know, you have to remain really

272
00:12:26,160 --> 00:12:30,000
Speaker 4: calm in some really intense and stressful situations. So it

273
00:12:30,080 --> 00:12:32,200
Speaker 4: taught me a lot about myself and you know what

274
00:12:32,240 --> 00:12:35,520
Speaker 4: I'm capable of. And I feel like it's hard for

275
00:12:35,559 --> 00:12:38,280
Speaker 4: me now because I look at jobs outside of the

276
00:12:38,320 --> 00:12:41,120
Speaker 4: police service and I'm like, when could that ever be

277
00:12:41,200 --> 00:12:43,040
Speaker 4: able to be applied? You know, how do you put

278
00:12:43,040 --> 00:12:45,160
Speaker 4: that on a regimen and saying I learnt here I

279
00:12:45,160 --> 00:12:46,079
Speaker 4: can apply into it.

280
00:12:46,679 --> 00:12:50,120
Speaker 1: Just like reading through this money direst resume, Jess would

281
00:12:50,120 --> 00:12:52,439
Speaker 1: be like was fake gangster.

282
00:12:55,000 --> 00:12:55,400
Speaker 4: Cool.

283
00:12:55,600 --> 00:12:58,080
Speaker 1: I love that light. I want to know more about

284
00:12:58,080 --> 00:13:00,320
Speaker 1: your business though. Small business is something I I'm so

285
00:13:00,480 --> 00:13:03,040
Speaker 1: incredibly passionate about. You said, you built up a business

286
00:13:03,040 --> 00:13:03,679
Speaker 1: and sold it.

287
00:13:04,040 --> 00:13:04,880
Speaker 4: How who?

288
00:13:04,920 --> 00:13:05,120
Speaker 1: When?

289
00:13:05,160 --> 00:13:05,400
Speaker 4: Where?

290
00:13:05,400 --> 00:13:05,520
Speaker 1: What?

291
00:13:05,600 --> 00:13:05,840
Speaker 3: Why?

292
00:13:05,920 --> 00:13:06,360
Speaker 4: How? Like?

293
00:13:06,400 --> 00:13:07,480
Speaker 1: How does that happen?

294
00:13:08,400 --> 00:13:12,800
Speaker 4: I'm someone that's always been obsessed with everything planning related,

295
00:13:13,120 --> 00:13:15,240
Speaker 4: so I think, like the freedom that you can give

296
00:13:15,280 --> 00:13:17,320
Speaker 4: yourself and the things that you can achieve when you

297
00:13:17,360 --> 00:13:20,760
Speaker 4: sit down and plan for things is pretty incredible. There's

298
00:13:20,800 --> 00:13:23,839
Speaker 4: a lot of power in it. So I've always been

299
00:13:23,880 --> 00:13:26,600
Speaker 4: a planner, but every plan I'd ever bought was either

300
00:13:26,640 --> 00:13:30,559
Speaker 4: really functional and ugly or really beautiful but not so functional.

301
00:13:30,679 --> 00:13:33,560
Speaker 4: So I wanted to create one that I loved and

302
00:13:33,600 --> 00:13:36,080
Speaker 4: had all of the things included in it, so you know,

303
00:13:36,080 --> 00:13:41,559
Speaker 4: everything from budgeting, goal setting, mindfulness, and setting intentions. So

304
00:13:41,760 --> 00:13:45,360
Speaker 4: I created my own yearly planner. I did that for

305
00:13:46,120 --> 00:13:49,240
Speaker 4: four years, and so during that time was when I

306
00:13:49,280 --> 00:13:52,920
Speaker 4: took the sabbatical from work and tried to juggle traveling

307
00:13:52,960 --> 00:13:56,320
Speaker 4: around Australia and running that at the same time. But yeah,

308
00:13:56,480 --> 00:14:00,000
Speaker 4: sold that last year, and so my new small business

309
00:14:00,240 --> 00:14:03,400
Speaker 4: is essentially I mean, it's just teaching women how to

310
00:14:03,840 --> 00:14:06,520
Speaker 4: implement and apply all of these things into their life

311
00:14:06,559 --> 00:14:09,600
Speaker 4: because I feel like, as women, we have this tendency

312
00:14:09,640 --> 00:14:13,440
Speaker 4: to put ourselves last on the list of importance, and

313
00:14:13,520 --> 00:14:15,120
Speaker 4: I really just want to teach women how to put

314
00:14:15,160 --> 00:14:18,319
Speaker 4: themselves first again and the magic of doing that and

315
00:14:19,080 --> 00:14:22,160
Speaker 4: how nice it feels to actually, you know, create a

316
00:14:22,200 --> 00:14:24,480
Speaker 4: life that you're really proud of, that you can find

317
00:14:24,520 --> 00:14:26,640
Speaker 4: balance across all areas of your life.

318
00:14:26,720 --> 00:14:29,720
Speaker 3: We're all about that, clearly. I love to see, Yeah,

319
00:14:29,760 --> 00:14:32,120
Speaker 3: women's putting it in obviously exactly what she's on the

320
00:14:32,120 --> 00:14:34,880
Speaker 3: money stands for. I want to talk about that first

321
00:14:34,920 --> 00:14:37,760
Speaker 3: business that you built up and sold, because I think

322
00:14:37,800 --> 00:14:40,360
Speaker 3: that's something that we don't talk about quite so much

323
00:14:40,360 --> 00:14:42,360
Speaker 3: when we're talking about small business, is the fact that

324
00:14:42,400 --> 00:14:44,760
Speaker 3: you can build something up and then make the choice

325
00:14:44,760 --> 00:14:46,800
Speaker 3: to step away from it, and that can actually still

326
00:14:46,840 --> 00:14:51,160
Speaker 3: be a profitable decision. So how did you find a

327
00:14:51,240 --> 00:14:54,280
Speaker 3: buyer and how much money did you ultimately end up

328
00:14:54,320 --> 00:14:55,400
Speaker 3: making once you sold it?

329
00:14:55,680 --> 00:14:57,840
Speaker 4: How I found a buyer a few people when I

330
00:14:58,000 --> 00:15:01,800
Speaker 4: had sort of made the decision. Running especially a product

331
00:15:01,840 --> 00:15:05,800
Speaker 4: based business and working shift work as an emergency services

332
00:15:05,840 --> 00:15:09,400
Speaker 4: worker is like it's a tough gig. It's really exhausting,

333
00:15:09,480 --> 00:15:12,600
Speaker 4: and it just got to a point where it was hard,

334
00:15:12,600 --> 00:15:14,560
Speaker 4: but I had to make the decision for my own

335
00:15:14,680 --> 00:15:18,280
Speaker 4: mental health, like was what was more important. And so

336
00:15:18,360 --> 00:15:21,240
Speaker 4: I had sort of on my Instagram announced that it

337
00:15:21,240 --> 00:15:24,280
Speaker 4: would be closing down and I wasn't sure what direction

338
00:15:24,360 --> 00:15:26,800
Speaker 4: it would be would be taking, And a few people

339
00:15:26,840 --> 00:15:30,200
Speaker 4: actually approached me about it, about the potential of taking over,

340
00:15:30,640 --> 00:15:34,000
Speaker 4: but they just weren't the right fit. So I actually

341
00:15:34,640 --> 00:15:37,920
Speaker 4: just sent an email out to my email list and

342
00:15:37,960 --> 00:15:41,560
Speaker 4: said that this is what was happening, and the woman

343
00:15:41,600 --> 00:15:44,120
Speaker 4: who owns it now reached out and she didn't sort

344
00:15:44,120 --> 00:15:47,440
Speaker 4: of just reply with the generic hey I'm interested. She

345
00:15:48,000 --> 00:15:51,040
Speaker 4: introduced herself, told me why she loved it, you know,

346
00:15:51,080 --> 00:15:52,720
Speaker 4: all the things that she was passionate about. It was

347
00:15:52,760 --> 00:15:56,840
Speaker 4: honestly like handing it over to like my twin flame.

348
00:15:57,000 --> 00:16:00,600
Speaker 4: She's just so great, and you know, I just think

349
00:16:00,640 --> 00:16:03,360
Speaker 4: she embodies everything that that business was about as well.

350
00:16:03,440 --> 00:16:05,400
Speaker 4: So it just seemed really natural for her to be

351
00:16:05,480 --> 00:16:10,000
Speaker 4: the one to take over. So we discussed what I

352
00:16:10,160 --> 00:16:12,680
Speaker 4: thought it was worth and what she would be getting.

353
00:16:12,800 --> 00:16:14,600
Speaker 4: So there was you know a bit of back and forth,

354
00:16:14,680 --> 00:16:18,840
Speaker 4: and we did everything legally that was contracts, and all

355
00:16:18,880 --> 00:16:22,200
Speaker 4: of that for privacy. I was written into the contract

356
00:16:22,200 --> 00:16:25,080
Speaker 4: that I can't discuss the actual figure that I sold

357
00:16:25,080 --> 00:16:27,800
Speaker 4: it for, but you know, it was it was an

358
00:16:27,800 --> 00:16:30,640
Speaker 4: amount that I was really happy with to sort of

359
00:16:30,720 --> 00:16:33,480
Speaker 4: let it go and see it carried on because it

360
00:16:33,520 --> 00:16:35,080
Speaker 4: sort of had to be worth it for me. I'd

361
00:16:35,080 --> 00:16:37,560
Speaker 4: worked really hard to build it up to what it was.

362
00:16:38,480 --> 00:16:39,640
Speaker 4: I didn't want to just let it.

363
00:16:39,600 --> 00:16:42,320
Speaker 1: Go for you know, something that you felt like it

364
00:16:42,400 --> 00:16:45,280
Speaker 1: was undervaluing it, because that's like basically your baby. Like

365
00:16:45,320 --> 00:16:47,200
Speaker 1: you've built up this thing and you've put all your

366
00:16:47,200 --> 00:16:49,560
Speaker 1: time and energy and effort into it. You're like, I'm

367
00:16:49,600 --> 00:16:51,760
Speaker 1: not just going to give it to someone who's not

368
00:16:51,920 --> 00:16:55,040
Speaker 1: going to give it what it needs to continue to grow.

369
00:16:55,360 --> 00:16:57,720
Speaker 1: That's probably why you made the decision to, you know,

370
00:16:57,760 --> 00:16:59,840
Speaker 1: say all right, it's going to close, Like I don't

371
00:16:59,840 --> 00:17:02,120
Speaker 1: know anyone who can carry this on in the way

372
00:17:02,120 --> 00:17:03,800
Speaker 1: that I would want it. And sounds like you found

373
00:17:03,840 --> 00:17:05,040
Speaker 1: that person. How cool?

374
00:17:05,600 --> 00:17:06,679
Speaker 4: Yeah, really lucky.

375
00:17:06,880 --> 00:17:10,080
Speaker 1: My next question, my friend, is you mentioned shift work.

376
00:17:10,160 --> 00:17:12,800
Speaker 1: We have a lot of people in our community who

377
00:17:12,880 --> 00:17:15,280
Speaker 1: workship work and are probably listening to this going. How

378
00:17:15,359 --> 00:17:19,160
Speaker 1: is this money diarist not completely burnt out? Like how

379
00:17:19,200 --> 00:17:22,879
Speaker 1: are you managing doing shift work in addition to running

380
00:17:22,920 --> 00:17:25,359
Speaker 1: a new business and getting things up and running. Like

381
00:17:25,480 --> 00:17:28,680
Speaker 1: shift work knocks you for six It's not just like, oh, well,

382
00:17:28,800 --> 00:17:30,880
Speaker 1: you just work overnight and you sleep during the day,

383
00:17:31,000 --> 00:17:34,080
Speaker 1: Like it turns your entire world upside down? Can you

384
00:17:34,119 --> 00:17:36,840
Speaker 1: tell us how are you so bright and vibrant today?

385
00:17:36,880 --> 00:17:37,800
Speaker 1: How does that work?

386
00:17:38,000 --> 00:17:41,960
Speaker 4: Honestly? Planning, I know, like without like plugging it anymore

387
00:17:42,000 --> 00:17:45,760
Speaker 4: than I can, Like I honestly I plan everything so much,

388
00:17:45,800 --> 00:17:48,359
Speaker 4: and I've figured out and I've learned a lot about

389
00:17:48,480 --> 00:17:51,400
Speaker 4: myself and when I'm most productive and when I need

390
00:17:51,440 --> 00:17:53,960
Speaker 4: to rest. So obviously, on the days that I do

391
00:17:54,080 --> 00:17:56,960
Speaker 4: night work, there's very little done. And then I know

392
00:17:57,040 --> 00:17:58,359
Speaker 4: the days where I'm going to have a lot of

393
00:17:58,359 --> 00:18:01,520
Speaker 4: brain power, so I get up early. I've figured out

394
00:18:01,560 --> 00:18:05,119
Speaker 4: like when I'm most productive, which is always after I

395
00:18:05,119 --> 00:18:06,800
Speaker 4: get up early and go to the gym of a

396
00:18:06,840 --> 00:18:10,960
Speaker 4: morning and had a coffee. So it's really yeah, a

397
00:18:11,000 --> 00:18:14,399
Speaker 4: lot of people find planning very restrictive, but I have

398
00:18:14,520 --> 00:18:17,320
Speaker 4: found that by planning, my life has become so much

399
00:18:17,359 --> 00:18:20,560
Speaker 4: more organized, and not just like planning for things on

400
00:18:20,600 --> 00:18:23,280
Speaker 4: my to do list, but planning rest and planning, fun

401
00:18:23,400 --> 00:18:25,880
Speaker 4: and planning, you know, all of those things that make

402
00:18:25,960 --> 00:18:29,199
Speaker 4: my life as incredible as it is. It's been an

403
00:18:29,200 --> 00:18:30,320
Speaker 4: absolute game changer.

404
00:18:30,560 --> 00:18:33,560
Speaker 3: How did all that planning go when you were traveling

405
00:18:33,560 --> 00:18:36,280
Speaker 3: around Australia in a van? Because I'm imagining if you're

406
00:18:36,359 --> 00:18:38,879
Speaker 3: driving around in a van, as much as you can

407
00:18:38,960 --> 00:18:41,440
Speaker 3: kind of plan your stops or plan what you want

408
00:18:41,480 --> 00:18:44,680
Speaker 3: to see, things would probably come up that just kind

409
00:18:44,720 --> 00:18:46,920
Speaker 3: of throw you for a loop that you weren't anticipating.

410
00:18:47,240 --> 00:18:50,919
Speaker 3: How did you juggle that while running the business while

411
00:18:50,960 --> 00:18:54,760
Speaker 3: also dealing with any unanticipated little surprises that came up

412
00:18:54,760 --> 00:18:55,560
Speaker 3: along the journey.

413
00:18:56,040 --> 00:18:58,000
Speaker 4: Yeah, to be honest, the planning went to shit.

414
00:19:00,760 --> 00:19:01,919
Speaker 1: The best policy around.

415
00:19:03,200 --> 00:19:07,320
Speaker 4: Yeah, it was really hard, Like, especially traveling solo, you

416
00:19:07,400 --> 00:19:09,360
Speaker 4: really have to do all of the research and all

417
00:19:09,359 --> 00:19:12,119
Speaker 4: of the driving is being done and the van actually

418
00:19:12,600 --> 00:19:17,760
Speaker 4: just exploded in the middle of no in the Northern Territory. Yeah,

419
00:19:18,040 --> 00:19:22,920
Speaker 4: just absolutely car Yeah, carved it. It took about an

420
00:19:23,040 --> 00:19:26,160
Speaker 4: hour on the road side before anyone actually pulled over

421
00:19:26,240 --> 00:19:28,960
Speaker 4: to stop to help me, because I was like the scenario,

422
00:19:29,200 --> 00:19:32,600
Speaker 4: yeah that you could, you could get So I managed

423
00:19:32,640 --> 00:19:35,000
Speaker 4: to make my way to Darwin, and that was only

424
00:19:35,040 --> 00:19:38,879
Speaker 4: by I think halfway through month four of what was

425
00:19:38,880 --> 00:19:39,359
Speaker 4: supposed to.

426
00:19:39,359 --> 00:19:41,960
Speaker 1: Be didn't care up like I would have been, like,

427
00:19:42,040 --> 00:19:43,240
Speaker 1: we are going home.

428
00:19:45,080 --> 00:19:48,119
Speaker 4: I spent some time in Sydney, so yeah, I was

429
00:19:48,200 --> 00:19:49,800
Speaker 4: adamant that I was going to make the most of

430
00:19:49,840 --> 00:19:53,680
Speaker 4: that time off, so I sort of pivoted. But the

431
00:19:53,800 --> 00:19:56,520
Speaker 4: van was no longer after that, So yeah, we had

432
00:19:56,560 --> 00:19:57,800
Speaker 4: to change plans.

433
00:19:58,240 --> 00:20:01,600
Speaker 1: We pivot, we change big plan. I know your plan

434
00:20:01,920 --> 00:20:04,880
Speaker 1: quote went to shit, but I feel like you made

435
00:20:04,880 --> 00:20:06,880
Speaker 1: a different plan and then that worked for you.

436
00:20:07,359 --> 00:20:08,439
Speaker 4: Yeah, how did.

437
00:20:08,280 --> 00:20:09,960
Speaker 3: It work with internet when you were on the road?

438
00:20:10,240 --> 00:20:13,040
Speaker 1: Yeah, how do we do this? Can we just pounds

439
00:20:13,080 --> 00:20:13,440
Speaker 1: on the road?

440
00:20:13,600 --> 00:20:15,600
Speaker 3: Sounds like a dream being able to travel and work that.

441
00:20:15,640 --> 00:20:17,680
Speaker 3: I'm sure a lot of people have heard and gone,

442
00:20:17,680 --> 00:20:19,439
Speaker 3: oh my god, I'd love to do that. How what

443
00:20:19,600 --> 00:20:22,160
Speaker 3: was the like the actuality of it? Was it really

444
00:20:22,160 --> 00:20:24,679
Speaker 3: hard when you're you know, really deep in NTY and

445
00:20:24,760 --> 00:20:27,119
Speaker 3: you just have no reception.

446
00:20:26,960 --> 00:20:29,440
Speaker 4: Or yeah, you kind of have to just go go

447
00:20:29,520 --> 00:20:31,760
Speaker 4: with it. So hard to know when you'll have reception

448
00:20:31,920 --> 00:20:34,400
Speaker 4: and when you won't. So I just made the most

449
00:20:34,440 --> 00:20:37,119
Speaker 4: of it. It also meant that, you know, one of

450
00:20:37,160 --> 00:20:39,280
Speaker 4: my big things is not being on your phone as

451
00:20:39,359 --> 00:20:41,760
Speaker 4: much as possible. So I did a lot of reading

452
00:20:41,840 --> 00:20:43,800
Speaker 4: and I did a lot of relaxing, which isn't the

453
00:20:43,800 --> 00:20:46,800
Speaker 4: worst thing either, but I just honestly just had to

454
00:20:46,840 --> 00:20:51,400
Speaker 4: adapt with whatever I was confronted with on any given day.

455
00:20:51,760 --> 00:20:54,399
Speaker 3: So that's really cool. Was they like, what was your

456
00:20:54,480 --> 00:20:57,200
Speaker 3: ultimate high point and your ultimate low point of that trip?

457
00:20:57,760 --> 00:21:00,840
Speaker 1: Maybe her van exploding Jessica, Oh yeah.

458
00:21:00,560 --> 00:21:04,680
Speaker 3: Yeah, there is that chestnut, because definitely the low.

459
00:21:05,520 --> 00:21:08,159
Speaker 4: I actually met some friends on the road whilst I

460
00:21:08,240 --> 00:21:10,560
Speaker 4: was traveling who were the first people that I called

461
00:21:10,640 --> 00:21:13,600
Speaker 4: when the van did shit itself? And they said, where

462
00:21:13,600 --> 00:21:16,679
Speaker 4: are Alice Springs right now? Fly to us, jump in

463
00:21:16,680 --> 00:21:18,720
Speaker 4: the back of our van. So I did that.

464
00:21:18,840 --> 00:21:20,000
Speaker 1: Oh my gosh, how cool.

465
00:21:20,440 --> 00:21:22,800
Speaker 4: We did the top toe. There was three of us

466
00:21:22,840 --> 00:21:26,160
Speaker 4: in there, toy to high Ace. So we did Alice

467
00:21:26,200 --> 00:21:28,000
Speaker 4: Springs and we drove all the way to Ularu and

468
00:21:28,040 --> 00:21:31,399
Speaker 4: it was just a really incredible experience and just something

469
00:21:31,440 --> 00:21:34,240
Speaker 4: that I'm I'll always be grateful for that they sort

470
00:21:34,240 --> 00:21:36,000
Speaker 4: of let me tack on to the end of their trip.

471
00:21:36,160 --> 00:21:39,040
Speaker 1: That's really cool. I love that the worst thing that

472
00:21:39,040 --> 00:21:42,040
Speaker 1: could possibly happen ended up resulting into one of your

473
00:21:42,080 --> 00:21:43,520
Speaker 1: greatest memories. How cool.

474
00:21:43,640 --> 00:21:43,960
Speaker 2: Is that.

475
00:21:44,760 --> 00:21:47,960
Speaker 4: Yeah. I mean I'm really actually proud that it was

476
00:21:48,000 --> 00:21:51,000
Speaker 4: something that it could have ruined my trip and I

477
00:21:51,000 --> 00:21:53,040
Speaker 4: could have just thrown my hands in the air and said, well,

478
00:21:53,160 --> 00:21:54,520
Speaker 4: I guess that means I've got to go back to

479
00:21:54,560 --> 00:21:55,960
Speaker 4: work and I've got to go home with my tail

480
00:21:56,000 --> 00:21:58,760
Speaker 4: between my legs. But I was adamant that I was

481
00:21:58,800 --> 00:22:00,919
Speaker 4: just going to roll with it. I said that before

482
00:22:00,960 --> 00:22:04,119
Speaker 4: I left for the trip, whatever happens, I'm just gonna

483
00:22:04,560 --> 00:22:06,879
Speaker 4: go with the flow. So that was the theme of

484
00:22:06,920 --> 00:22:08,720
Speaker 4: the trip and probably what got me through.

485
00:22:08,880 --> 00:22:09,800
Speaker 1: See that was the plan.

486
00:22:09,960 --> 00:22:12,160
Speaker 4: Don't get me wrong, there were definitely tears.

487
00:22:12,960 --> 00:22:15,320
Speaker 1: Yeah, I would have tried a lot, as I said before,

488
00:22:15,359 --> 00:22:17,480
Speaker 1: like I would have just been like, I am going home.

489
00:22:17,600 --> 00:22:20,399
Speaker 4: I am that person, Like I gave myself ten minutes.

490
00:22:20,720 --> 00:22:21,439
Speaker 1: Oh my gosh.

491
00:22:21,480 --> 00:22:23,879
Speaker 3: I love that your long service leave that you have

492
00:22:23,960 --> 00:22:29,160
Speaker 3: coming up, but obviously stepping away from relatively set rigid

493
00:22:29,200 --> 00:22:31,440
Speaker 3: schedule with I know that you're working night and you

494
00:22:31,480 --> 00:22:32,960
Speaker 3: can be on and off when you're a cop, so

495
00:22:33,200 --> 00:22:36,160
Speaker 3: maybe not super rigid, but having that really regular income

496
00:22:36,840 --> 00:22:40,200
Speaker 3: and then going on on service leave to pursue this business,

497
00:22:40,520 --> 00:22:43,520
Speaker 3: how are you planning for that change? Obviously, you're plugging

498
00:22:43,520 --> 00:22:46,480
Speaker 3: away at the moment on the business currently on the side,

499
00:22:46,800 --> 00:22:48,600
Speaker 3: how did you decide that you were kind of in

500
00:22:48,640 --> 00:22:51,680
Speaker 3: a place where you were maybe profitable enough to take

501
00:22:51,680 --> 00:22:54,320
Speaker 3: that time off and focus wholly on that, And have

502
00:22:54,480 --> 00:22:57,119
Speaker 3: you put anything in place kind of to cover you

503
00:22:57,200 --> 00:22:58,320
Speaker 3: in case of emergencies.

504
00:22:58,760 --> 00:23:03,040
Speaker 4: Yeah, so I've got a really healthy offset account and

505
00:23:03,119 --> 00:23:05,560
Speaker 4: at the moment, so I'm taking long service leave at

506
00:23:05,560 --> 00:23:08,280
Speaker 4: half pay, so I'm still getting paid even if it

507
00:23:08,359 --> 00:23:11,200
Speaker 4: is only like a small amount, but I've worked out

508
00:23:11,200 --> 00:23:13,640
Speaker 4: at the very least my bills and things like that

509
00:23:13,680 --> 00:23:17,000
Speaker 4: can be covered. I'm making extra mortgage repayments at the moment,

510
00:23:17,040 --> 00:23:20,640
Speaker 4: which may probably have to stop, but as I said,

511
00:23:20,880 --> 00:23:23,359
Speaker 4: that is being rented out and that covers principle and

512
00:23:23,400 --> 00:23:25,480
Speaker 4: interest at the moment. So I'm in a good position

513
00:23:25,880 --> 00:23:28,520
Speaker 4: to do that, and i just figured if I don't

514
00:23:28,520 --> 00:23:30,760
Speaker 4: do it now, I'm never going to have the opportunity.

515
00:23:30,840 --> 00:23:34,800
Speaker 4: And I truly believe that, given the time and the

516
00:23:34,880 --> 00:23:37,320
Speaker 4: love that it deserves, like it's really it has the

517
00:23:37,400 --> 00:23:41,960
Speaker 4: potential to completely replace that wage in a really short

518
00:23:42,000 --> 00:23:44,960
Speaker 4: period of time. But until I have the time in

519
00:23:45,000 --> 00:23:47,320
Speaker 4: the space to do that, it was never going to happen,

520
00:23:47,359 --> 00:23:49,359
Speaker 4: so I just thought I've just got to do it.

521
00:23:49,960 --> 00:23:52,360
Speaker 3: That's yeah, really really amazing.

522
00:23:52,680 --> 00:23:54,720
Speaker 1: I have a door talking to you and learning more

523
00:23:54,840 --> 00:23:57,240
Speaker 1: about you, know, what your new job is and how

524
00:23:57,280 --> 00:23:59,800
Speaker 1: that's going to work. Like the idea that you exist

525
00:23:59,840 --> 00:24:02,719
Speaker 1: to empower people to just like live their best lives.

526
00:24:02,760 --> 00:24:05,320
Speaker 1: That's cool because I think that we have just learned

527
00:24:05,320 --> 00:24:08,160
Speaker 1: that you're basically living your best life. Like you look

528
00:24:08,359 --> 00:24:10,440
Speaker 1: so young. Can I be pervy and ask how old

529
00:24:10,440 --> 00:24:10,639
Speaker 1: are you?

530
00:24:11,240 --> 00:24:12,360
Speaker 4: I'm actually thirty five?

531
00:24:12,640 --> 00:24:14,840
Speaker 1: No you're not, No you're not.

532
00:24:15,240 --> 00:24:16,119
Speaker 4: She looks twenty eight.

533
00:24:16,240 --> 00:24:18,199
Speaker 3: Guys, I don't know what water you're drinking, but I

534
00:24:18,200 --> 00:24:19,120
Speaker 3: would like some of it.

535
00:24:19,880 --> 00:24:23,080
Speaker 1: Whatever you're doing, because having been an undercover cop but

536
00:24:23,200 --> 00:24:25,560
Speaker 1: built and sold a business to now having a brand

537
00:24:25,640 --> 00:24:28,199
Speaker 1: new business and having traveled all around Australia, like, I

538
00:24:28,200 --> 00:24:30,119
Speaker 1: feel like you have lived your best life, and I

539
00:24:30,160 --> 00:24:32,960
Speaker 1: feel like if anyone is going to teach other women

540
00:24:33,000 --> 00:24:35,720
Speaker 1: how to live theirs, like you're pretty good. You're walking

541
00:24:35,720 --> 00:24:38,040
Speaker 1: the walk, you're talking the talk, and I know that

542
00:24:38,080 --> 00:24:40,719
Speaker 1: you are going to be wildly successful. So thank you

543
00:24:40,840 --> 00:24:42,359
Speaker 1: so much for joining.

544
00:24:42,040 --> 00:24:43,480
Speaker 4: Us, Thank you for having me.

545
00:24:43,640 --> 00:24:46,480
Speaker 1: Oh always, Jess, would you like to take it away

546
00:24:46,480 --> 00:24:47,760
Speaker 1: and wrap the show for us.

547
00:24:47,960 --> 00:24:50,840
Speaker 3: Absolutely don't get, guys that the advice shared on Shees

548
00:24:50,880 --> 00:24:53,240
Speaker 3: on the Money is generally nature and just not consider

549
00:24:53,280 --> 00:24:56,720
Speaker 3: your individual circumstances. She's on the Money exists purely for

550
00:24:56,840 --> 00:24:59,359
Speaker 3: educational purposes and should not be relied upon to make

551
00:24:59,400 --> 00:25:02,840
Speaker 3: an investment or a financial decision. And we promise Victoria

552
00:25:02,920 --> 00:25:05,600
Speaker 3: divine and She's on the Money are authorized representatives of

553
00:25:05,640 --> 00:25:09,520
Speaker 3: Infocused Securities Australia Proprietary Limited A b N four seven

554
00:25:09,640 --> 00:25:12,320
Speaker 3: oh nine seven seven nine seven O four nine AFS

555
00:25:12,440 --> 00:25:14,159
Speaker 3: L two three six five two three.

556
00:25:14,320 --> 00:25:15,639
Speaker 1: See you on Wednesday, guys.

557
00:25:15,680 --> 00:25:17,160
Speaker 3: Bye,