WEBVTT - She Quit Her 9-to-5 and Pulled Off the Ultimate Career Glow-Up 0:00:00.200 --> 0:00:03.240 My name's Aatasha Bamblet. I'm a proud First Nations woman 0:00:03.600 --> 0:00:07.920 and I'm here to acknowledge country t Glenn Young Ganya 0:00:08.200 --> 0:00:11.400 nianar Kaka yah y and beIN Ahaka nian Our gay 0:00:11.440 --> 0:00:16.920 In Mbina, yakarum Jar, Dominyama, Domaghawaka Woman, Damon Imlan Bomber 0:00:16.960 --> 0:00:19.800 bang Gadabomba in and now in wakah Ghana on yak 0:00:19.880 --> 0:00:24.479 rum Jar water Nadaa. Hello, beautiful friends, we gather on 0:00:24.520 --> 0:00:27.560 the lands of the Aboriginal people. We thank acknowledge and 0:00:27.600 --> 0:00:30.120 respect the Abiginal people's land that we're gathering on today. 0:00:30.680 --> 0:00:33.279 Take pleasure in all the land and respect all that 0:00:33.320 --> 0:00:37.960 you see. She's on the Money podcast acknowledges culture, country, 0:00:38.520 --> 0:00:43.720 community and connections, bringing you the tools, knowledge and resources 0:00:43.920 --> 0:00:44.600 for you to thrive. 0:00:44.880 --> 0:00:58.000 She's on the Money. She's on the Money. 0:01:07.720 --> 0:01:10.520 Hello, and welcome to She's on the Money, the podcast 0:01:10.520 --> 0:01:13.200 that lets you be pervy about other people's money habits 0:01:13.400 --> 0:01:17.640 for educational purposes, of course. Welcome back to another episode 0:01:17.640 --> 0:01:20.120 of Money Diaries, where I get the absolute pleasure of 0:01:20.200 --> 0:01:22.440 chatting to one of our incredible Shees on the Money 0:01:22.440 --> 0:01:25.959 community members all about their journey let's jump straight into it, 0:01:26.000 --> 0:01:28.280 because this week I got an email and it sounded 0:01:28.480 --> 0:01:31.640 exactly like this. Hi, she's on the money. I am 0:01:31.680 --> 0:01:35.080 our woman working in the male dominated area of security. 0:01:35.560 --> 0:01:37.920 I didn't set out to work in this field, but 0:01:38.120 --> 0:01:41.200 when my husband saw a gap in the industry, especially 0:01:41.240 --> 0:01:43.560 the lack of women, we knew we had to do 0:01:43.600 --> 0:01:46.880 something about it. Together, we built a successful business that 0:01:47.000 --> 0:01:51.360 not only provides exceptional security services, but creates opportunities for 0:01:51.400 --> 0:01:54.880 women in this space. I've seen firsthand how this work 0:01:54.880 --> 0:01:58.160 can boost confidence, leadership skills, and self belief, and I'm 0:01:58.160 --> 0:02:02.000 passionate about helping more women step into that power. I'd 0:02:02.040 --> 0:02:04.280 love to share what this journey has meant for me. 0:02:04.920 --> 0:02:08.200 Moneyed Diarist, Welcome to the show. I am so excited 0:02:08.280 --> 0:02:10.799 about this. I feel like I don't work in security, 0:02:10.880 --> 0:02:13.679 but like we're both about empowering women to step into 0:02:13.680 --> 0:02:15.880 their power, and like that means we're on the same page. 0:02:16.080 --> 0:02:16.640 Definitely. 0:02:16.919 --> 0:02:21.360 I love this. So as always, before we dive into 0:02:21.440 --> 0:02:23.640 getting to ask the juicy questions, I want to know 0:02:23.720 --> 0:02:25.680 what grade would you give your money habits from A 0:02:25.919 --> 0:02:27.760 through to F If I asked you to give them 0:02:27.800 --> 0:02:28.160 a grade? 0:02:28.280 --> 0:02:32.480 Oh, I would give myself a B minus. It's still 0:02:32.480 --> 0:02:33.560 a work in progress. 0:02:33.800 --> 0:02:36.919 Okay, all right, let's learn a little bit more about 0:02:36.960 --> 0:02:39.480 that money, darist. Can you tell me a little bit 0:02:39.480 --> 0:02:41.000 more about your money story. 0:02:41.160 --> 0:02:45.480 Sure? So, growing up, money wasn't something we talked about 0:02:45.520 --> 0:02:48.720 in our family. My parents came from very humble beginnings. 0:02:49.120 --> 0:02:53.680 They each had twelve to thirteen siblings. Wow, I know, 0:02:53.840 --> 0:02:58.240 it was insane. So not surprisingly they stuck with two children. 0:02:58.720 --> 0:03:00.440 They were like, we are not signed up for that 0:03:00.560 --> 0:03:01.760 rodeo exactly. 0:03:02.280 --> 0:03:05.760 So they provided the essentials, you know, putting us through school, 0:03:05.760 --> 0:03:09.240 but there was no money knowledge and so and when 0:03:09.240 --> 0:03:12.040 my dad had stopped working, it was pretty much, you know, 0:03:12.360 --> 0:03:17.160 just getting by. So my attitude towards money was very cautious, 0:03:17.639 --> 0:03:20.920 and I had no idea about creating wealth. Yeah, so 0:03:20.960 --> 0:03:22.920 then I met my husband. How'd you meet your husband? 0:03:22.960 --> 0:03:25.720 We have to know the jucy details, like we're just girls, 0:03:25.720 --> 0:03:30.040 all right. He's an entrepreneur, and you know, he came 0:03:30.080 --> 0:03:34.359 from a family of successful business owners. So that really 0:03:34.400 --> 0:03:39.080 helped me see money and business through a new lens. 0:03:39.600 --> 0:03:42.360 So I would watch him from the sidelines while I 0:03:42.400 --> 0:03:46.120 stayed in my depressing nine to five job, and I 0:03:46.280 --> 0:03:50.600 just I was observing just how his lifestyle was different 0:03:50.640 --> 0:03:53.560 to mine, even though we were married, right, you. 0:03:53.640 --> 0:03:54.720 Lived under the same roof. 0:03:55.040 --> 0:03:59.040 Yeah, I was getting up in the morning, miserable, ready 0:03:59.040 --> 0:04:01.600 to go to work, and he was just so switched on. 0:04:02.160 --> 0:04:05.600 He'd be executing ideas with ease. I would just witness 0:04:05.680 --> 0:04:08.800 this level of freedom, both financially and time wise, even 0:04:08.880 --> 0:04:12.839 though he was so busy. He just had this flexibility 0:04:12.880 --> 0:04:16.400 that I didn't have being in a full time nine 0:04:16.400 --> 0:04:20.720 to five job. So, yeah, just seeing that difference really 0:04:20.839 --> 0:04:23.559 made me want to come into that. But I had 0:04:23.640 --> 0:04:27.240 so much fear in built in me because I didn't 0:04:27.320 --> 0:04:30.560 have those beginnings I had. You know, I wasn't scared 0:04:30.560 --> 0:04:32.680 of the level of hard work that would come with 0:04:32.760 --> 0:04:35.920 it or being very busy. It was just the fear 0:04:36.040 --> 0:04:39.840 of my own capabilities. Am I capable of doing this? 0:04:40.320 --> 0:04:42.920 What if I fail? I'm not used to this idea. 0:04:43.000 --> 0:04:44.919 I wasn't raised on this. So you start making up 0:04:44.960 --> 0:04:48.800 those excuses that because you didn't have that foundation, that 0:04:48.839 --> 0:04:53.000 you couldn't possibly get into this fold of the business world. 0:04:53.480 --> 0:04:57.080 But as soon as I recognized that my nine to 0:04:57.160 --> 0:05:02.000 five was actually bringing me down and affecting my health, 0:05:02.520 --> 0:05:05.920 I really had to make a change, and so I 0:05:06.000 --> 0:05:09.480 had missed the fear and the uncertainty. I took that 0:05:09.640 --> 0:05:12.880 leap and I went into business with my husband, and 0:05:13.160 --> 0:05:16.600 at that time he had recognized early on that there 0:05:16.680 --> 0:05:20.680 was a need for women in security. So I went 0:05:20.680 --> 0:05:24.520 and got my license and I was doing casual shifts 0:05:24.560 --> 0:05:26.839 here and there. It was a little bit daunting for 0:05:26.920 --> 0:05:30.359 me because I think that old way of thinking, with 0:05:30.800 --> 0:05:34.719 that perspective of only men should be doing security, or 0:05:34.760 --> 0:05:36.600 you have to be a certain size you know, I'm 0:05:36.680 --> 0:05:40.279 quite a smaller size frame, So it was a little 0:05:40.320 --> 0:05:43.240 bit intimidating at first, to be honest, and having to 0:05:43.279 --> 0:05:47.200 deal with intoxication and all of those kind of extreme 0:05:47.640 --> 0:05:50.880 situations is a little bit daunting at first. But my 0:05:51.000 --> 0:05:54.120 husband was there guiding me, obviously, making sure it was 0:05:54.120 --> 0:05:56.640 a safe space and that we had a very type 0:05:56.760 --> 0:06:02.039 team every time we worked together through COVID. When COVID hit, 0:06:02.200 --> 0:06:07.920 we actually set ourselves down south so the southwest of Wa. 0:06:08.360 --> 0:06:11.679 When the borders were closed, everyone started traveling and driving 0:06:11.720 --> 0:06:15.400 down south to the southwest of Wa for their holidays, 0:06:15.440 --> 0:06:19.760 so that place was flourishing when the city was closed down. 0:06:20.320 --> 0:06:23.040 So we built our security business through there, and we 0:06:23.080 --> 0:06:27.440 worked very closely together, and that's when I really learned 0:06:27.480 --> 0:06:30.840 a lot, not just about security, but about myself. He 0:06:30.880 --> 0:06:34.320 taught me about men, you know, and their behavior, and 0:06:34.440 --> 0:06:40.000 I was really able to navigate big crowds and different personalities. 0:06:40.040 --> 0:06:43.640 And I just developed so much in that space of 0:06:43.720 --> 0:06:48.920 time through that guidance and doing that work ongoingly, and 0:06:49.080 --> 0:06:51.600 it just it lit something in me and I just 0:06:51.839 --> 0:06:54.719 wanted to carry on with that. So I'm in this 0:06:54.920 --> 0:06:58.080 zone now where I'm leveling up and I'm actually taking 0:06:58.120 --> 0:07:02.400 a direction towards empowerment and purpose now, so it's not 0:07:02.560 --> 0:07:06.520 just building the security business. I'm actually wanting to take 0:07:06.640 --> 0:07:11.800 this into a level of conversation and empowerment towards women 0:07:11.920 --> 0:07:15.680 in security because reflecting on it, I have developed so 0:07:15.920 --> 0:07:20.400 much in myself and I've overcome so many fears and 0:07:20.480 --> 0:07:25.400 built so much confidence in dealing with people and odd behaviors. 0:07:25.480 --> 0:07:27.320 You know, I think a lot of the time we 0:07:27.440 --> 0:07:31.040 can avoid certain behaviors. You know, we might just go, oh, 0:07:31.120 --> 0:07:33.440 just you know, just cut that person out of our life, 0:07:33.720 --> 0:07:35.720 but at some point you still have to deal with it. 0:07:36.240 --> 0:07:38.920 So if you know how to navigate it, then you 0:07:38.960 --> 0:07:41.400 can You're just going to be better and better each time. 0:07:41.560 --> 0:07:45.200 So I'm now in this direction of wanting to become 0:07:45.240 --> 0:07:50.120 a speaker and empower women alongside building the security business. 0:07:50.240 --> 0:07:53.760 Yeah that's cool. I love that. So tell me now, 0:07:54.200 --> 0:07:57.040 obviously you own a security company and work as a 0:07:57.200 --> 0:07:59.600 security Is it a security guard? Is that what you 0:07:59.640 --> 0:08:02.080 would say? Like, how do I explain your job? 0:08:02.320 --> 0:08:05.840 So there's a number of different services. So you've got 0:08:05.840 --> 0:08:11.040 your security guard, You've got crowd control, you've got personal security, patrols, 0:08:11.320 --> 0:08:16.200 asset protection, so we cover all of that. Wow. Yeah, 0:08:16.240 --> 0:08:17.040 it's quite broad. 0:08:17.240 --> 0:08:20.320 So that's not just like I'm assuming it's like, you know, 0:08:20.360 --> 0:08:22.440 if a festival happens, then call you up and be like, hey, 0:08:22.480 --> 0:08:25.080 we need security for the festival. But like, tell me 0:08:25.080 --> 0:08:27.320 a bit more about like the personal security, because I'm 0:08:27.320 --> 0:08:30.160 assuming that's a bit bougier, Like that sounds fancy, Like 0:08:30.200 --> 0:08:34.280 if you're asking for personal security, you're probably like someone 0:08:34.559 --> 0:08:36.040 very high profile. 0:08:36.400 --> 0:08:39.800 Yeah, we do get called for those type of jobs. 0:08:40.000 --> 0:08:44.800 Close personal protection is very different and it takes a 0:08:44.840 --> 0:08:47.120 certain level of skill and thankfully I got to do 0:08:47.760 --> 0:08:49.680 quite a bit of that in the beginning. I know 0:08:49.840 --> 0:08:52.479 you said it's bougie and I can see this perspective 0:08:52.520 --> 0:08:54.400 of that, but I guess I'm still in that work 0:08:54.520 --> 0:08:55.840 zine way totally. 0:08:55.840 --> 0:08:58.520 It's like when people think that my job's like super glamorous, 0:08:58.559 --> 0:09:01.360 They're like, oh my goodness, a podcast that must be 0:09:01.360 --> 0:09:03.120 so glamorous, And I'm like, babe, I'm not wearing any 0:09:03.160 --> 0:09:06.559 shoes right now. You know, my dog's on the floor. 0:09:06.600 --> 0:09:10.920 I've just eaten four mini size mass bars. Like it's 0:09:11.000 --> 0:09:13.120 not as fancy as it looks, but like, I mean, 0:09:13.160 --> 0:09:17.240 when you like showcase a job, you go, that's pretty fancy, right, 0:09:17.400 --> 0:09:20.320 Like it's the shiny parts of other people's roles, right. 0:09:20.640 --> 0:09:23.640 It's so true, and I get that, I really do. 0:09:24.080 --> 0:09:27.200 But there's so much work involved because you're the one 0:09:27.240 --> 0:09:29.120 that's on the front line and you need to make 0:09:29.160 --> 0:09:31.839 sure that that client and I will just say client, 0:09:31.920 --> 0:09:34.880 it doesn't matter who they are, whether they're a dignitary 0:09:34.960 --> 0:09:37.720 or if they're a celebrity, they still need that level 0:09:37.760 --> 0:09:41.520 of care and privacy. You know, you can't be you know, 0:09:41.600 --> 0:09:43.600 on the job and trying to take selfies with this 0:09:43.679 --> 0:09:45.760 person is completely unprofessional. 0:09:45.960 --> 0:09:48.120 You couldn't hire me, Like I don't want to take 0:09:48.160 --> 0:09:50.600 selfies with people, but like just blacklist to me from 0:09:50.600 --> 0:09:53.200 your company now, because I'd want to know all their gossip, 0:09:53.760 --> 0:09:55.839 Like I'd be in the car with them and I'd 0:09:55.880 --> 0:09:58.760 be like eavesdropping on all their conversations, Like I couldn't 0:09:58.800 --> 0:10:00.840 control myself. You're a better per something I could ever be. 0:10:01.559 --> 0:10:04.880 Yeah, it's definitely a skill. You do have to shift 0:10:05.080 --> 0:10:07.600 your perspective, you know, and I suppose once you do 0:10:07.640 --> 0:10:10.400 it more regularly, you do see them as a client 0:10:10.440 --> 0:10:12.880 and you just want to please that client and make 0:10:12.920 --> 0:10:15.560 sure that you've delivered a service, that you've represented your 0:10:15.600 --> 0:10:19.840 company and yourself and ultimately they're they're happy and they're safe, 0:10:20.120 --> 0:10:22.680 you know, because that's the objective of our role. 0:10:22.760 --> 0:10:25.760 Yeah, totally, all right, So how much do you get 0:10:25.800 --> 0:10:29.360 paid in a role like this? So do you mean 0:10:29.480 --> 0:10:32.680 in as a guard or no you in general? 0:10:32.840 --> 0:10:32.920 Me? 0:10:33.120 --> 0:10:37.160 Okay, Well, I will say that our business is in 0:10:37.240 --> 0:10:38.200 the seven figures. 0:10:38.360 --> 0:10:42.199 That's very cool. And is that all reinvested into your 0:10:42.200 --> 0:10:45.120 business or do you guys get to take home a 0:10:45.160 --> 0:10:47.560 lot of that? Like what does that split look like? 0:10:47.840 --> 0:10:51.520 The split? I think it's fair, But we do reinvest 0:10:51.559 --> 0:10:55.040 a lot into the business because that's the main way 0:10:55.120 --> 0:10:58.679 to really level up. So anything anything that we are 0:10:58.720 --> 0:11:02.000 spending on ourselves is ideally going to give us a 0:11:02.040 --> 0:11:04.920 return on the business. But you know, we do make 0:11:04.960 --> 0:11:08.160 sure that we pay ourselves first, you know, and just 0:11:08.280 --> 0:11:11.400 cover the expenses that we need to live. But ultimately 0:11:11.760 --> 0:11:13.880 the larger expenses are reinvested. 0:11:13.960 --> 0:11:16.320 Yeah, one hundred percent. So talk to me about big 0:11:16.440 --> 0:11:19.040 money goals, like what are you currently working towards. 0:11:19.320 --> 0:11:25.080 So I am working towards incorporating a training division within 0:11:25.360 --> 0:11:30.080 the security business, and that would ultimately bring in more 0:11:30.640 --> 0:11:35.880 females into this fold of this male dominated industry and 0:11:36.640 --> 0:11:41.880 just opportunities to empower and to build confidence. I can 0:11:41.960 --> 0:11:45.120 see myself and a lot of women, both mums and 0:11:45.200 --> 0:11:47.199 the younger women coming out of high school where you 0:11:47.240 --> 0:11:49.840 don't know what you're doing, you don't really know where 0:11:49.840 --> 0:11:52.679 you want to go. And that's how I ended up 0:11:52.720 --> 0:11:54.800 in that, you know, sort of nine to five office 0:11:54.880 --> 0:11:57.280 job was just sort of just I need some stability 0:11:57.320 --> 0:11:59.520 until I work out what I want to do. But 0:11:59.640 --> 0:12:03.880 I really really feel like the tools that you're given 0:12:04.200 --> 0:12:08.040 through working and security can help you in your entire life. 0:12:08.200 --> 0:12:11.560 You know, you're learning to set boundaries, You're learning to 0:12:12.000 --> 0:12:17.120 recognize people's behavior before something escalates. And then de escalation 0:12:17.320 --> 0:12:20.000 methods as well. So those kind of things can really 0:12:20.040 --> 0:12:23.040 play out in your life. And I just feel like 0:12:23.120 --> 0:12:25.560 it's leveling up your life. And I think if you 0:12:25.559 --> 0:12:29.480 get that early on, you can really do a lot 0:12:30.040 --> 0:12:33.560 with your goals successfully, but also avoid a lot of 0:12:33.760 --> 0:12:37.160 unsafe situations you know that people can get themselves into. 0:12:37.480 --> 0:12:40.360 Totally. I love that for you. And on a personal side, 0:12:40.400 --> 0:12:44.280 do you like buying property? Are you saving for retirement? 0:12:44.480 --> 0:12:44.560 Like? 0:12:44.640 --> 0:12:45.760 What does that look like? 0:12:46.120 --> 0:12:51.439 We are saving up for a house. So we've avoided 0:12:52.120 --> 0:12:54.760 any big debts and we've paid off any smaller ones, 0:12:54.840 --> 0:12:57.800 so we're doing pretty well. But yeah, ultimately to get 0:12:57.840 --> 0:12:59.640 the dream home, but we want to be able to 0:12:59.679 --> 0:13:03.240 pay out. We don't want to take on any debt, 0:13:03.559 --> 0:13:06.679 so we're just working towards that for our dream home 0:13:07.040 --> 0:13:12.880 and property maybe overseas as well we're looking at So, yeah. 0:13:12.600 --> 0:13:15.640 That is very fancy. What do you mean property overseas? 0:13:15.720 --> 0:13:15.840 Like? 0:13:16.160 --> 0:13:18.720 Is that buying a villa in Bali? Is that buying 0:13:18.720 --> 0:13:21.679 a whole resort in Italy? Like? What where are we going? 0:13:21.720 --> 0:13:22.400 What are we doing? 0:13:22.600 --> 0:13:26.400 Specifically? It would be a home in Portugal? 0:13:26.600 --> 0:13:29.560 Oh, bouhie, I did not see that coming. So like, guys, 0:13:29.559 --> 0:13:32.800 when she said seven figures, she means like good seven figures, 0:13:32.840 --> 0:13:35.600 Like people don't just buy their homes outright and then 0:13:35.640 --> 0:13:38.920 have a holiday home in Portugal. Like I feel like 0:13:38.960 --> 0:13:40.560 that escalated pretty rapidly. 0:13:41.600 --> 0:13:44.120 We love that place. I highly highly recommend that place, 0:13:44.520 --> 0:13:45.080 like I. 0:13:44.960 --> 0:13:47.480 Love that for you. This is goals. Let's go to 0:13:47.520 --> 0:13:49.320 a really quick break on the flip side. I've got 0:13:49.320 --> 0:13:51.000 a lot of questions for you. I want to talk 0:13:51.000 --> 0:13:53.320 about your take on debt. I want to talk about 0:13:53.320 --> 0:13:55.680 investments and your best and worst money habits. So guys 0:13:55.720 --> 0:14:02.080 that don't go anywhere, all right, money dirist, We are back, 0:14:02.080 --> 0:14:04.680 and I want to talk about investing. As a business owner, 0:14:04.880 --> 0:14:08.440 your bus guest investment is very likely to be your business, 0:14:08.880 --> 0:14:11.679 so talk to me about your thoughts on investing, like 0:14:12.000 --> 0:14:14.280 how you're reinvesting into your business. But then also are 0:14:14.320 --> 0:14:16.360 you investing outside of your business? 0:14:16.640 --> 0:14:21.320 Yeah, so investing within the business. We've also got a 0:14:21.440 --> 0:14:25.680 safety division, so we're purchasing products in line with safety 0:14:25.720 --> 0:14:29.960 and we're incorporating that into the security business as well, 0:14:30.000 --> 0:14:33.240 so that we can offer our clients not just security services, 0:14:33.280 --> 0:14:37.040 but now we've got safety products. So we've sort of 0:14:37.080 --> 0:14:40.280 gone into that as well in terms of investment. Just 0:14:40.400 --> 0:14:45.560 recently we've been doing some speaking courses to really get 0:14:45.600 --> 0:14:50.240 out there and promote ourselves into to bigger client tele 0:14:50.840 --> 0:14:54.600 and to do a lot more in terms of training 0:14:54.640 --> 0:14:58.920 and inductions with our staff too, also offering training to 0:14:59.600 --> 0:15:02.400 our client cients who might want to train up their 0:15:02.440 --> 0:15:07.120 staff de escalation methods within the bar industry as well, 0:15:07.240 --> 0:15:08.960 So that's another thing that we're doing. 0:15:09.040 --> 0:15:11.880 Yeah, that's very cool. And like if we look at 0:15:12.080 --> 0:15:15.040 I guess investment from the perspective of you being able 0:15:15.040 --> 0:15:17.280 to buy home in Portugal and pay for your home 0:15:17.280 --> 0:15:21.280 outright and retire comfortably, how are you guys working towards that. 0:15:21.680 --> 0:15:25.280 Yeah, we've got a few little side hustles, but it's 0:15:25.360 --> 0:15:29.120 just flipping a few things here and their marketplace. We're 0:15:29.200 --> 0:15:33.280 just really really good with saving little things. So that's 0:15:33.320 --> 0:15:36.440 all just building up. And so after we pay ourselves 0:15:36.760 --> 0:15:39.480 what we need to sort of get by anything that 0:15:39.520 --> 0:15:43.920 we work additionally, or anything we get from marketplace sales 0:15:44.040 --> 0:15:46.200 or anything of the sort, or if we sell something 0:15:46.200 --> 0:15:49.000 through the business, it all goes into one sort of 0:15:49.000 --> 0:15:52.160 big savings account and that's when we might buy something 0:15:52.160 --> 0:15:55.480 else and flip it and then make money on that 0:15:55.520 --> 0:15:58.400 and just builds over time. So it's something that we 0:15:58.520 --> 0:16:00.320 just want to sit on and just let it grow. 0:16:00.880 --> 0:16:03.360 That's where we're going with that is kind of yeah, 0:16:03.400 --> 0:16:05.440 it's a safe, quiet option, all right. 0:16:05.520 --> 0:16:09.240 Tell me a little bit more about debt. So at 0:16:09.280 --> 0:16:11.640 the start of the episode we were talking about like 0:16:11.960 --> 0:16:14.640 you purchasing your dream home. I want to know more 0:16:14.680 --> 0:16:18.120 about that, but also why you're adverse to taking on 0:16:18.280 --> 0:16:20.440 a mortgage for a property purchase. 0:16:20.720 --> 0:16:23.320 Well, we've just gone through a few things over the 0:16:23.400 --> 0:16:26.800 years where we've you know, we've seen you know, different 0:16:26.840 --> 0:16:30.960 businesses be affected by different things and COVID all of 0:16:31.000 --> 0:16:35.360 those factors, and having debt was a real burden, you know, 0:16:35.640 --> 0:16:37.640 even if it's a small debt, we've seen it with 0:16:37.680 --> 0:16:40.520 other people as well, and we just we don't want 0:16:40.520 --> 0:16:43.400 to take that on. And now that we've got my son, 0:16:43.520 --> 0:16:47.320 you know, he's three years old, now, okay, it really 0:16:47.400 --> 0:16:51.080 shifts the way you think of things. So it's particularly 0:16:51.080 --> 0:16:53.840 in the last three years that we've been very okay, 0:16:53.960 --> 0:16:56.600 we do not want to hold this debt. We don't 0:16:56.600 --> 0:16:58.600 want to have any debts. So let's work on it 0:16:58.640 --> 0:17:01.200 now so that by the time he's in school. You know, 0:17:01.280 --> 0:17:05.040 we can have established ourselves with zero debt, with a 0:17:05.119 --> 0:17:07.960 home and you know, just move forward. 0:17:08.200 --> 0:17:10.080 How close are we to achieving that goal? 0:17:10.359 --> 0:17:13.720 I would say a quarter of the way. 0:17:13.920 --> 0:17:16.320 That's exciting though, that's crazy. 0:17:17.240 --> 0:17:18.560 Yeah, how fun? 0:17:18.880 --> 0:17:20.680 All right, So tell me a little bit more about 0:17:20.720 --> 0:17:23.359 this debt side of things. When you say, oh, we 0:17:23.400 --> 0:17:26.320 don't really want to take on debt, is that just 0:17:26.560 --> 0:17:28.960 like personal debts that you're like, oh, well, we don't know. 0:17:29.080 --> 0:17:30.840 If you know, we went through COVID again and no 0:17:30.840 --> 0:17:33.240 one could work. We don't want to have personal debts 0:17:33.280 --> 0:17:36.600 we had to pay off or is that stretching into business, Like, 0:17:36.920 --> 0:17:38.959 tell me a bit more about how that works. 0:17:39.000 --> 0:17:42.400 We don't have any personal credit cards. We've just avoided 0:17:42.760 --> 0:17:45.399 taking on any debts. So say, for example, if we 0:17:45.440 --> 0:17:48.240 needed to buy a car, you know, we would look 0:17:48.280 --> 0:17:51.080 at ways to or you know, we would look at 0:17:51.080 --> 0:17:53.240 the savings and what we can accumulate. How much do 0:17:53.280 --> 0:17:56.720 we need to have the balance of the total of 0:17:56.720 --> 0:17:58.480 that car so that we can just buy it out right? 0:17:58.720 --> 0:18:01.280 And that's what we've done. We don't get loans on 0:18:01.359 --> 0:18:05.359 the cars, we don't get credit cards. So yeah, that's 0:18:05.840 --> 0:18:07.479 that's how we're just looking at it. It's like, if 0:18:07.520 --> 0:18:09.280 we can avoid it, and if we've got a lump 0:18:09.280 --> 0:18:12.000 sum of money, let's work around that lump sum of money. 0:18:12.280 --> 0:18:14.320 And anything that comes up as well, you know, whether 0:18:14.359 --> 0:18:18.320 it's insurance or things. We avoid those repayment plans where 0:18:18.320 --> 0:18:21.560 you might accumulate more interest and pay things outright. We 0:18:21.920 --> 0:18:23.960 just would prefer to pay things outright and then we 0:18:24.000 --> 0:18:25.520 don't have to think about it anymore. 0:18:25.640 --> 0:18:27.840 No, that makes absolute sense. It sounds like you're a 0:18:27.880 --> 0:18:30.520 super savvy saver. So what do you think is your 0:18:30.560 --> 0:18:31.520 best money habit? 0:18:31.720 --> 0:18:35.120 My best money habit, I would just say what we're 0:18:35.119 --> 0:18:38.879 doing at the moment is paying yourself first for the essentials, 0:18:39.160 --> 0:18:42.800 and then any extra income or anything that you flip, 0:18:43.040 --> 0:18:45.560 you just put into savings and just let that accumulate. 0:18:45.560 --> 0:18:47.760 And it's always that savings account that we will look 0:18:47.760 --> 0:18:50.000 back on and go, Okay, what do we need to 0:18:50.040 --> 0:18:52.679 buy upfront at the moment, whether it's an investment or 0:18:52.680 --> 0:18:56.160 if it's a vehicle or whatever it is that's sitting there. 0:18:56.440 --> 0:18:59.120 You know, it's just accumulating, you know, some great interest 0:18:59.359 --> 0:19:02.120 you haven't touched because it's in a completely separate account. 0:19:02.119 --> 0:19:05.119 So it's not being factored into your weekly expenses. 0:19:05.280 --> 0:19:08.399 Yeah, no, that makes total sense. But what do you 0:19:08.440 --> 0:19:09.760 think is your worst money have it? 0:19:11.640 --> 0:19:15.520 Because I'm on this journey of self development, my worst 0:19:15.560 --> 0:19:19.359 money havebit is if I'm online and I see a 0:19:19.400 --> 0:19:23.400 great course or I see you know, a great roadmap 0:19:23.480 --> 0:19:25.840 or something that's going to be very helpful for me 0:19:26.040 --> 0:19:29.960 in my journey, I tend to just click and buy. Yeah, 0:19:30.040 --> 0:19:32.080 so that's my worst money is that I end up 0:19:32.119 --> 0:19:34.520 doing that. And it's great if I use it, but 0:19:34.840 --> 0:19:37.720 you know, to be honest, half of the time it's sitting. 0:19:37.440 --> 0:19:39.480 In my inboss and then you're like, oh, I can't. 0:19:39.520 --> 0:19:41.239 I don't have time for that. I'll get to it 0:19:41.280 --> 0:19:42.520 one time, and then you forget about it. 0:19:42.560 --> 0:19:42.760 Yeah. 0:19:42.800 --> 0:19:45.760 I have been there, absolutely, especially when they're so good 0:19:45.760 --> 0:19:47.439 at like the marketing and branding, and I'm like, oh 0:19:47.480 --> 0:19:49.159 my god, this is going to be the thing, this 0:19:49.240 --> 0:19:51.159 is going to be fantastic, and then you get it 0:19:51.160 --> 0:19:54.320 and you're like, oh damn, damn, I could have done 0:19:54.320 --> 0:19:54.800 that myself. 0:19:54.880 --> 0:19:56.560 I mean, it's a great idea at one in the 0:19:56.560 --> 0:19:57.160 morning when. 0:19:57.080 --> 0:20:01.280 You're scroll one hundred, no way, So get that all right? 0:20:01.320 --> 0:20:03.240 Tell me at the start of this episode, you said, 0:20:03.280 --> 0:20:05.159 I reckon, I'm a B minus. But you've told us 0:20:05.160 --> 0:20:07.800 that you've built an epic business, and you know, you 0:20:07.840 --> 0:20:10.640 and your husband are working towards buying your dream home 0:20:10.720 --> 0:20:13.560 completely outright and then one day having a holiday home 0:20:13.560 --> 0:20:17.160 in Portugal, which would be very very cool. But you said, 0:20:17.320 --> 0:20:19.760 I'm a B minus. What would it take to get 0:20:19.800 --> 0:20:22.280 to being like an A plus in your books? 0:20:22.600 --> 0:20:26.919 I think it would be. Actually, you know, now that 0:20:27.000 --> 0:20:28.360 I'm talking about. 0:20:28.040 --> 0:20:32.119 It, you're pretty good at money. Hey, I'm like, where's 0:20:32.119 --> 0:20:34.000 this B minus come from? Girlfriend? 0:20:35.080 --> 0:20:37.240 I mean, when you say it out loud, Yeah, it's 0:20:37.560 --> 0:20:40.560 very different, you know, so I have to give yeah, 0:20:40.600 --> 0:20:42.560 I have to give us more credit than that, you know. 0:20:42.600 --> 0:20:44.679 And I think you know, if I were to rate 0:20:44.720 --> 0:20:46.520 it again, yeah, I would be on the you know, 0:20:46.640 --> 0:20:47.480 a A minus. 0:20:47.600 --> 0:20:50.879 See, I reckon, you're doing so well, and it sounds 0:20:50.880 --> 0:20:53.320 like you guys are like, okay, cool, We've got this strategy. 0:20:53.359 --> 0:20:55.000 This is what we're going to do, this is how 0:20:55.000 --> 0:20:58.160 we're going to do it. I love it. It's been very fun. 0:20:58.280 --> 0:21:00.159 I mean, I don't think I'll ever be in a 0:21:00.200 --> 0:21:02.160 situation where I can buy a holiday home in Portugal 0:21:02.200 --> 0:21:05.320 that would be elite but I adore that. I got 0:21:05.320 --> 0:21:07.439