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

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Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya

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Speaker 1: nianar Kaka yah y and beIN Ahaka nian Our gay

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Speaker 1: In Mbina, yakarum Jar, Dominyama, Domaghawaka Woman, Damon Imlan Bomber

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Speaker 1: bang Gadabomba in and now in wakah Ghana on yak

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Speaker 1: rum Jar water Nadaa. Hello, beautiful friends, we gather on

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Speaker 1: the lands of the Aboriginal people. We thank acknowledge and

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Speaker 1: respect the Abiginal people's land that we're gathering on today.

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Speaker 1: Take pleasure in all the land and respect all that

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Speaker 1: you see. She's on the Money podcast acknowledges culture, country,

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Speaker 1: community and connections, bringing you the tools, knowledge and resources

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Speaker 1: for you to thrive.

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

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

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Speaker 3: that lets you be pervy about other people's money habits

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Speaker 3: for educational purposes, of course. Welcome back to another episode

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Speaker 3: of Money Diaries, where I get the absolute pleasure of

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Speaker 3: chatting to one of our incredible Shees on the Money

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Speaker 3: community members all about their journey let's jump straight into it,

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Speaker 3: because this week I got an email and it sounded

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Speaker 3: exactly like this. Hi, she's on the money. I am

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Speaker 3: our woman working in the male dominated area of security.

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Speaker 3: I didn't set out to work in this field, but

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Speaker 3: when my husband saw a gap in the industry, especially

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Speaker 3: the lack of women, we knew we had to do

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Speaker 3: something about it. Together, we built a successful business that

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Speaker 3: not only provides exceptional security services, but creates opportunities for

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Speaker 3: women in this space. I've seen firsthand how this work

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Speaker 3: can boost confidence, leadership skills, and self belief, and I'm

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Speaker 3: passionate about helping more women step into that power. I'd

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Speaker 3: love to share what this journey has meant for me.

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Speaker 3: Moneyed Diarist, Welcome to the show. I am so excited

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Speaker 3: about this. I feel like I don't work in security,

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Speaker 3: but like we're both about empowering women to step into

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Speaker 3: their power, and like that means we're on the same page.

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Speaker 4: Definitely.

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Speaker 3: I love this. So as always, before we dive into

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Speaker 3: getting to ask the juicy questions, I want to know

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Speaker 3: what grade would you give your money habits from A

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Speaker 3: through to F If I asked you to give them

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Speaker 3: a grade?

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Speaker 4: Oh, I would give myself a B minus. It's still

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Speaker 4: a work in progress.

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Speaker 3: Okay, all right, let's learn a little bit more about

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Speaker 3: that money, darist. Can you tell me a little bit

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Speaker 3: more about your money story.

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Speaker 4: Sure? So, growing up, money wasn't something we talked about

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Speaker 4: in our family. My parents came from very humble beginnings.

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Speaker 4: They each had twelve to thirteen siblings. Wow, I know,

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Speaker 4: it was insane. So not surprisingly they stuck with two children.

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Speaker 3: They were like, we are not signed up for that

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Speaker 3: rodeo exactly.

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Speaker 4: So they provided the essentials, you know, putting us through school,

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Speaker 4: but there was no money knowledge and so and when

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Speaker 4: my dad had stopped working, it was pretty much, you know,

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Speaker 4: just getting by. So my attitude towards money was very cautious,

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Speaker 4: and I had no idea about creating wealth. Yeah, so

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Speaker 4: then I met my husband. How'd you meet your husband?

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Speaker 4: We have to know the jucy details, like we're just girls,

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Speaker 4: all right. He's an entrepreneur, and you know, he came

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Speaker 4: from a family of successful business owners. So that really

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Speaker 4: helped me see money and business through a new lens.

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Speaker 4: So I would watch him from the sidelines while I

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Speaker 4: stayed in my depressing nine to five job, and I

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Speaker 4: just I was observing just how his lifestyle was different

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Speaker 4: to mine, even though we were married, right, you.

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Speaker 3: Lived under the same roof.

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Speaker 4: Yeah, I was getting up in the morning, miserable, ready

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Speaker 4: to go to work, and he was just so switched on.

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Speaker 4: He'd be executing ideas with ease. I would just witness

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Speaker 4: this level of freedom, both financially and time wise, even

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Speaker 4: though he was so busy. He just had this flexibility

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Speaker 4: that I didn't have being in a full time nine

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Speaker 4: to five job. So, yeah, just seeing that difference really

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Speaker 4: made me want to come into that. But I had

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Speaker 4: so much fear in built in me because I didn't

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Speaker 4: have those beginnings I had. You know, I wasn't scared

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Speaker 4: of the level of hard work that would come with

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Speaker 4: it or being very busy. It was just the fear

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Speaker 4: of my own capabilities. Am I capable of doing this?

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Speaker 4: What if I fail? I'm not used to this idea.

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Speaker 4: I wasn't raised on this. So you start making up

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Speaker 4: those excuses that because you didn't have that foundation, that

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Speaker 4: you couldn't possibly get into this fold of the business world.

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Speaker 4: But as soon as I recognized that my nine to

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Speaker 4: five was actually bringing me down and affecting my health,

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Speaker 4: I really had to make a change, and so I

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Speaker 4: had missed the fear and the uncertainty. I took that

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Speaker 4: leap and I went into business with my husband, and

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Speaker 4: at that time he had recognized early on that there

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Speaker 4: was a need for women in security. So I went

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Speaker 4: and got my license and I was doing casual shifts

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Speaker 4: here and there. It was a little bit daunting for

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Speaker 4: me because I think that old way of thinking, with

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Speaker 4: that perspective of only men should be doing security, or

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Speaker 4: you have to be a certain size you know, I'm

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Speaker 4: quite a smaller size frame, So it was a little

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Speaker 4: bit intimidating at first, to be honest, and having to

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Speaker 4: deal with intoxication and all of those kind of extreme

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Speaker 4: situations is a little bit daunting at first. But my

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Speaker 4: husband was there guiding me, obviously, making sure it was

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Speaker 4: a safe space and that we had a very type

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Speaker 4: team every time we worked together through COVID. When COVID hit,

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Speaker 4: we actually set ourselves down south so the southwest of Wa.

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Speaker 4: When the borders were closed, everyone started traveling and driving

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Speaker 4: down south to the southwest of Wa for their holidays,

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Speaker 4: so that place was flourishing when the city was closed down.

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Speaker 4: So we built our security business through there, and we

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Speaker 4: worked very closely together, and that's when I really learned

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Speaker 4: a lot, not just about security, but about myself. He

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Speaker 4: taught me about men, you know, and their behavior, and

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Speaker 4: I was really able to navigate big crowds and different personalities.

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Speaker 4: And I just developed so much in that space of

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Speaker 4: time through that guidance and doing that work ongoingly, and

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Speaker 4: it just it lit something in me and I just

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Speaker 4: wanted to carry on with that. So I'm in this

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Speaker 4: zone now where I'm leveling up and I'm actually taking

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Speaker 4: a direction towards empowerment and purpose now, so it's not

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Speaker 4: just building the security business. I'm actually wanting to take

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Speaker 4: this into a level of conversation and empowerment towards women

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Speaker 4: in security because reflecting on it, I have developed so

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Speaker 4: much in myself and I've overcome so many fears and

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Speaker 4: built so much confidence in dealing with people and odd behaviors.

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Speaker 4: You know, I think a lot of the time we

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Speaker 4: can avoid certain behaviors. You know, we might just go, oh,

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Speaker 4: just you know, just cut that person out of our life,

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Speaker 4: but at some point you still have to deal with it.

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Speaker 4: So if you know how to navigate it, then you

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Speaker 4: can You're just going to be better and better each time.

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Speaker 4: So I'm now in this direction of wanting to become

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Speaker 4: a speaker and empower women alongside building the security business.

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Speaker 3: Yeah that's cool. I love that. So tell me now,

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Speaker 3: obviously you own a security company and work as a

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Speaker 3: security Is it a security guard? Is that what you

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Speaker 3: would say? Like, how do I explain your job?

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Speaker 4: So there's a number of different services. So you've got

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Speaker 4: your security guard, You've got crowd control, you've got personal security, patrols,

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Speaker 4: asset protection, so we cover all of that. Wow. Yeah,

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Speaker 4: it's quite broad.

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Speaker 3: So that's not just like I'm assuming it's like, you know,

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Speaker 3: if a festival happens, then call you up and be like, hey,

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Speaker 3: we need security for the festival. But like, tell me

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Speaker 3: a bit more about like the personal security, because I'm

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Speaker 3: assuming that's a bit bougier, Like that sounds fancy, Like

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Speaker 3: if you're asking for personal security, you're probably like someone

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Speaker 3: very high profile.

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Speaker 4: Yeah, we do get called for those type of jobs.

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Speaker 4: Close personal protection is very different and it takes a

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Speaker 4: certain level of skill and thankfully I got to do

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Speaker 4: quite a bit of that in the beginning. I know

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Speaker 4: you said it's bougie and I can see this perspective

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Speaker 4: of that, but I guess I'm still in that work

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Speaker 4: zine way totally.

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Speaker 3: It's like when people think that my job's like super glamorous,

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Speaker 3: They're like, oh my goodness, a podcast that must be

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Speaker 3: so glamorous, And I'm like, babe, I'm not wearing any

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Speaker 3: shoes right now. You know, my dog's on the floor.

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Speaker 3: I've just eaten four mini size mass bars. Like it's

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Speaker 3: not as fancy as it looks, but like, I mean,

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Speaker 3: when you like showcase a job, you go, that's pretty fancy, right,

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Speaker 3: Like it's the shiny parts of other people's roles, right.

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Speaker 4: It's so true, and I get that, I really do.

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Speaker 4: But there's so much work involved because you're the one

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Speaker 4: that's on the front line and you need to make

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Speaker 4: sure that that client and I will just say client,

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Speaker 4: it doesn't matter who they are, whether they're a dignitary

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Speaker 4: or if they're a celebrity, they still need that level

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Speaker 4: of care and privacy. You know, you can't be you know,

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Speaker 4: on the job and trying to take selfies with this

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Speaker 4: person is completely unprofessional.

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Speaker 3: You couldn't hire me, Like I don't want to take

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Speaker 3: selfies with people, but like just blacklist to me from

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Speaker 3: your company now, because I'd want to know all their gossip,

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Speaker 3: Like I'd be in the car with them and I'd

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Speaker 3: be like eavesdropping on all their conversations, Like I couldn't

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Speaker 3: control myself. You're a better per something I could ever be.

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Speaker 4: Yeah, it's definitely a skill. You do have to shift

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Speaker 4: your perspective, you know, and I suppose once you do

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Speaker 4: it more regularly, you do see them as a client

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Speaker 4: and you just want to please that client and make

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Speaker 4: sure that you've delivered a service, that you've represented your

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Speaker 4: company and yourself and ultimately they're they're happy and they're safe,

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Speaker 4: you know, because that's the objective of our role.

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Speaker 3: Yeah, totally, all right, So how much do you get

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Speaker 3: paid in a role like this? So do you mean

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Speaker 3: in as a guard or no you in general?

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Speaker 1: Me?

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Speaker 4: Okay, Well, I will say that our business is in

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Speaker 4: the seven figures.

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Speaker 3: That's very cool. And is that all reinvested into your

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Speaker 3: business or do you guys get to take home a

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Speaker 3: lot of that? Like what does that split look like?

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Speaker 4: The split? I think it's fair, But we do reinvest

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Speaker 4: a lot into the business because that's the main way

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Speaker 4: to really level up. So anything anything that we are

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Speaker 4: spending on ourselves is ideally going to give us a

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Speaker 4: return on the business. But you know, we do make

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Speaker 4: sure that we pay ourselves first, you know, and just

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Speaker 4: cover the expenses that we need to live. But ultimately

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Speaker 4: the larger expenses are reinvested.

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Speaker 3: Yeah, one hundred percent. So talk to me about big

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Speaker 3: money goals, like what are you currently working towards.

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Speaker 4: So I am working towards incorporating a training division within

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Speaker 4: the security business, and that would ultimately bring in more

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Speaker 4: females into this fold of this male dominated industry and

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Speaker 4: just opportunities to empower and to build confidence. I can

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Speaker 4: see myself and a lot of women, both mums and

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Speaker 4: the younger women coming out of high school where you

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Speaker 4: don't know what you're doing, you don't really know where

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Speaker 4: you want to go. And that's how I ended up

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Speaker 4: in that, you know, sort of nine to five office

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Speaker 4: job was just sort of just I need some stability

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Speaker 4: until I work out what I want to do. But

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Speaker 4: I really really feel like the tools that you're given

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Speaker 4: through working and security can help you in your entire life.

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Speaker 4: You know, you're learning to set boundaries, You're learning to

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Speaker 4: recognize people's behavior before something escalates. And then de escalation

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Speaker 4: methods as well. So those kind of things can really

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Speaker 4: play out in your life. And I just feel like

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Speaker 4: it's leveling up your life. And I think if you

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Speaker 4: get that early on, you can really do a lot

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Speaker 4: with your goals successfully, but also avoid a lot of

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Speaker 4: unsafe situations you know that people can get themselves into.

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Speaker 3: Totally. I love that for you. And on a personal side,

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Speaker 3: do you like buying property? Are you saving for retirement?

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Speaker 4: Like?

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Speaker 3: What does that look like?

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Speaker 4: We are saving up for a house. So we've avoided

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Speaker 4: any big debts and we've paid off any smaller ones,

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Speaker 4: so we're doing pretty well. But yeah, ultimately to get

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Speaker 4: the dream home, but we want to be able to

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Speaker 4: pay out. We don't want to take on any debt,

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Speaker 4: so we're just working towards that for our dream home

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Speaker 4: and property maybe overseas as well we're looking at So, yeah.

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Speaker 3: That is very fancy. What do you mean property overseas?

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Speaker 4: Like?

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Speaker 3: Is that buying a villa in Bali? Is that buying

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Speaker 3: a whole resort in Italy? Like? What where are we going?

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Speaker 3: What are we doing?

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Speaker 4: Specifically? It would be a home in Portugal?

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Speaker 3: Oh, bouhie, I did not see that coming. So like, guys,

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Speaker 3: when she said seven figures, she means like good seven figures,

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Speaker 3: Like people don't just buy their homes outright and then

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Speaker 3: have a holiday home in Portugal. Like I feel like

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Speaker 3: that escalated pretty rapidly.

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Speaker 4: We love that place. I highly highly recommend that place,

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Speaker 4: like I.

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Speaker 3: Love that for you. This is goals. Let's go to

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Speaker 3: a really quick break on the flip side. I've got

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Speaker 3: a lot of questions for you. I want to talk

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Speaker 3: about your take on debt. I want to talk about

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Speaker 3: investments and your best and worst money habits. So guys

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Speaker 3: that don't go anywhere, all right, money dirist, We are back,

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Speaker 3: and I want to talk about investing. As a business owner,

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Speaker 3: your bus guest investment is very likely to be your business,

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Speaker 3: so talk to me about your thoughts on investing, like

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Speaker 3: how you're reinvesting into your business. But then also are

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Speaker 3: you investing outside of your business?

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Speaker 4: Yeah, so investing within the business. We've also got a

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Speaker 4: safety division, so we're purchasing products in line with safety

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Speaker 4: and we're incorporating that into the security business as well,

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Speaker 4: so that we can offer our clients not just security services,

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Speaker 4: but now we've got safety products. So we've sort of

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Speaker 4: gone into that as well in terms of investment. Just

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Speaker 4: recently we've been doing some speaking courses to really get

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Speaker 4: out there and promote ourselves into to bigger client tele

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Speaker 4: and to do a lot more in terms of training

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Speaker 4: and inductions with our staff too, also offering training to

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Speaker 4: our client cients who might want to train up their

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Speaker 4: staff de escalation methods within the bar industry as well,

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Speaker 4: So that's another thing that we're doing.

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Speaker 3: Yeah, that's very cool. And like if we look at

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Speaker 3: I guess investment from the perspective of you being able

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Speaker 3: to buy home in Portugal and pay for your home

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Speaker 3: outright and retire comfortably, how are you guys working towards that.

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Speaker 4: Yeah, we've got a few little side hustles, but it's

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Speaker 4: just flipping a few things here and their marketplace. We're

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Speaker 4: just really really good with saving little things. So that's

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Speaker 4: all just building up. And so after we pay ourselves

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Speaker 4: what we need to sort of get by anything that

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Speaker 4: we work additionally, or anything we get from marketplace sales

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Speaker 4: or anything of the sort, or if we sell something

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Speaker 4: through the business, it all goes into one sort of

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Speaker 4: big savings account and that's when we might buy something

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Speaker 4: else and flip it and then make money on that

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Speaker 4: and just builds over time. So it's something that we

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Speaker 4: just want to sit on and just let it grow.

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Speaker 4: That's where we're going with that is kind of yeah,

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Speaker 4: it's a safe, quiet option, all right.

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Speaker 3: Tell me a little bit more about debt. So at

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Speaker 3: the start of the episode we were talking about like

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Speaker 3: you purchasing your dream home. I want to know more

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Speaker 3: about that, but also why you're adverse to taking on

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Speaker 3: a mortgage for a property purchase.

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Speaker 4: Well, we've just gone through a few things over the

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Speaker 4: years where we've you know, we've seen you know, different

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Speaker 4: businesses be affected by different things and COVID all of

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Speaker 4: those factors, and having debt was a real burden, you know,

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Speaker 4: even if it's a small debt, we've seen it with

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Speaker 4: other people as well, and we just we don't want

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Speaker 4: to take that on. And now that we've got my son,

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Speaker 4: you know, he's three years old, now, okay, it really

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Speaker 4: shifts the way you think of things. So it's particularly

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Speaker 4: in the last three years that we've been very okay,

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Speaker 4: we do not want to hold this debt. We don't

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Speaker 4: want to have any debts. So let's work on it

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Speaker 4: now so that by the time he's in school. You know,

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Speaker 4: we can have established ourselves with zero debt, with a

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Speaker 4: home and you know, just move forward.

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Speaker 3: How close are we to achieving that goal?

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Speaker 4: I would say a quarter of the way.

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Speaker 3: That's exciting though, that's crazy.

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Speaker 4: Yeah, how fun?

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Speaker 3: All right, So tell me a little bit more about

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Speaker 3: this debt side of things. When you say, oh, we

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Speaker 3: don't really want to take on debt, is that just

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Speaker 3: like personal debts that you're like, oh, well, we don't know.

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Speaker 3: If you know, we went through COVID again and no

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Speaker 3: one could work. We don't want to have personal debts

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Speaker 3: we had to pay off or is that stretching into business, Like,

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Speaker 3: tell me a bit more about how that works.

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Speaker 4: We don't have any personal credit cards. We've just avoided

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Speaker 4: taking on any debts. So say, for example, if we

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Speaker 4: needed to buy a car, you know, we would look

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Speaker 4: at ways to or you know, we would look at

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Speaker 4: the savings and what we can accumulate. How much do

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Speaker 4: we need to have the balance of the total of

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Speaker 4: that car so that we can just buy it out right?

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Speaker 4: And that's what we've done. We don't get loans on

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Speaker 4: the cars, we don't get credit cards. So yeah, that's

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Speaker 4: that's how we're just looking at it. It's like, if

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Speaker 4: we can avoid it, and if we've got a lump

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Speaker 4: sum of money, let's work around that lump sum of money.

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Speaker 4: And anything that comes up as well, you know, whether

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Speaker 4: it's insurance or things. We avoid those repayment plans where

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Speaker 4: you might accumulate more interest and pay things outright. We

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Speaker 4: just would prefer to pay things outright and then we

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Speaker 4: don't have to think about it anymore.

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Speaker 3: No, that makes absolute sense. It sounds like you're a

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Speaker 3: super savvy saver. So what do you think is your

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Speaker 3: best money habit?

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Speaker 4: My best money habit, I would just say what we're

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Speaker 4: doing at the moment is paying yourself first for the essentials,

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Speaker 4: and then any extra income or anything that you flip,

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Speaker 4: you just put into savings and just let that accumulate.

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Speaker 4: And it's always that savings account that we will look

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Speaker 4: back on and go, Okay, what do we need to

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Speaker 4: buy upfront at the moment, whether it's an investment or

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Speaker 4: if it's a vehicle or whatever it is that's sitting there.

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Speaker 4: You know, it's just accumulating, you know, some great interest

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Speaker 4: you haven't touched because it's in a completely separate account.

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Speaker 4: So it's not being factored into your weekly expenses.

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Speaker 3: Yeah, no, that makes total sense. But what do you

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Speaker 3: think is your worst money have it?

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Speaker 4: Because I'm on this journey of self development, my worst

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Speaker 4: money havebit is if I'm online and I see a

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Speaker 4: great course or I see you know, a great roadmap

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Speaker 4: or something that's going to be very helpful for me

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Speaker 4: in my journey, I tend to just click and buy. Yeah,

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Speaker 4: so that's my worst money is that I end up

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Speaker 4: doing that. And it's great if I use it, but

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Speaker 4: you know, to be honest, half of the time it's sitting.

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Speaker 3: In my inboss and then you're like, oh, I can't.

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Speaker 3: I don't have time for that. I'll get to it

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Speaker 3: one time, and then you forget about it.

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Speaker 1: Yeah.

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Speaker 3: I have been there, absolutely, especially when they're so good

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Speaker 3: at like the marketing and branding, and I'm like, oh

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Speaker 3: my god, this is going to be the thing, this

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Speaker 3: is going to be fantastic, and then you get it

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Speaker 3: and you're like, oh damn, damn, I could have done

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Speaker 3: that myself.

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Speaker 4: I mean, it's a great idea at one in the

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Speaker 4: morning when.

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Speaker 3: You're scroll one hundred, no way, So get that all right?

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Speaker 3: Tell me at the start of this episode, you said,

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Speaker 3: I reckon, I'm a B minus. But you've told us

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Speaker 3: that you've built an epic business, and you know, you

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Speaker 3: and your husband are working towards buying your dream home

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Speaker 3: completely outright and then one day having a holiday home

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Speaker 3: in Portugal, which would be very very cool. But you said,

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Speaker 3: I'm a B minus. What would it take to get

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Speaker 3: to being like an A plus in your books?

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Speaker 4: I think it would be. Actually, you know, now that

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Speaker 4: I'm talking about.

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Speaker 3: It, you're pretty good at money. Hey, I'm like, where's

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Speaker 3: this B minus come from? Girlfriend?

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Speaker 4: I mean, when you say it out loud, Yeah, it's

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Speaker 4: very different, you know, so I have to give yeah,

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Speaker 4: I have to give us more credit than that, you know.

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Speaker 4: And I think you know, if I were to rate

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Speaker 4: it again, yeah, I would be on the you know,

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Speaker 4: a A minus.

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Speaker 3: See, I reckon, you're doing so well, and it sounds

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Speaker 3: like you guys are like, okay, cool, We've got this strategy.

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Speaker 3: This is what we're going to do, this is how

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Speaker 3: we're going to do it. I love it. It's been very fun.

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Speaker 3: I mean, I don't think I'll ever be in a

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Speaker 3: situation where I can buy a holiday home in Portugal

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Speaker 3: that would be elite but I adore that. I got

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Speaker 3: to learn about your story and what you're getting up

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Speaker 3: to and how you're absolutely killing it, especially because you

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Speaker 3: want to just I don't know what you want to

404
00:21:12,080 --> 00:21:15,240
Speaker 3: do is so important, Like boosting confidence on leadership skills

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Speaker 3: and self belief for women is so important, and we

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Speaker 3: are definitely on the same page about that.

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Speaker 4: Absolutely. I love that.

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Speaker 3: Adore, Well, thank you so much for joining us for

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Speaker 3: a money diary. It has been an absolute pleasure, and

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Speaker 3: I just know people are going to be listening to

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Speaker 3: this being like Wow, she's so cool, like that is

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Speaker 3: an elite money story. So I really appreciate it.

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Speaker 4: Thank you, wonderful, Thank you so much.

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Speaker 3: If I shared on She's on the Money is generally

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Speaker 3: nature and does not consider your individual circumstances. She's on

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Speaker 3: the Money exists purely for educational purposes and should not

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Speaker 3: be relied upon to make an investment or financial decision.

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Speaker 3: If you do choose to buy a financial product, read

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Speaker 3: the PDSTM D and obtain appropriate financial advice tailored towards

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Speaker 3: your needs. Victoria Divine and She's on the Money are

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Speaker 3: authorized representatives of Money sherper P T Y L T

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Speaker 3: D A B N three two one six four nine

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Speaker 3: two seven seven zero eight A F s L four

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Speaker 3: five one two eight nine