1
00:00:00,680 --> 00:00:04,920
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

2
00:00:04,960 --> 00:00:08,680
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

3
00:00:08,680 --> 00:00:11,160
Speaker 1: we get started on She's on the Money podcast, I

4
00:00:11,160 --> 00:00:14,319
Speaker 1: would like to acknowledge the traditional custodians of the land

5
00:00:14,400 --> 00:00:17,680
Speaker 1: of which this podcast is recorded on a wondery country,

6
00:00:18,120 --> 00:00:22,240
Speaker 1: acknowledging the elders, the ancestors and the next generation coming

7
00:00:22,320 --> 00:00:26,960
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

8
00:00:27,080 --> 00:00:30,120
Speaker 1: and the storytelling of you to make a difference for

9
00:00:30,240 --> 00:00:32,640
Speaker 1: today and lasting impact for tomorrow.

10
00:00:33,320 --> 00:00:34,120
Speaker 2: Let's get into it.

11
00:00:34,760 --> 00:00:47,880
Speaker 3: She's on the Money, She's on the Money.

12
00:00:57,680 --> 00:01:00,760
Speaker 2: Hello, and welcome to She's on the Money, the podcast

13
00:01:00,920 --> 00:01:05,200
Speaker 2: Millennials who want Financial Freedom. Today, my friends, is Friday,

14
00:01:05,240 --> 00:01:07,240
Speaker 2: which means it is time to get our team back

15
00:01:07,280 --> 00:01:10,760
Speaker 2: together finally to celebrate you how incredible She's on the

16
00:01:10,760 --> 00:01:13,240
Speaker 2: Money community. Today, we're going to be sharing jess his

17
00:01:13,360 --> 00:01:15,880
Speaker 2: favorite money wins Beck is going to be back with

18
00:01:16,000 --> 00:01:18,840
Speaker 2: her Broke Broke tips. We're also going to be helping

19
00:01:18,840 --> 00:01:21,160
Speaker 2: to answer a juicy money dilemma, which this week is

20
00:01:21,200 --> 00:01:24,640
Speaker 2: all about the best savings account for your future house deposit.

21
00:01:25,080 --> 00:01:27,399
Speaker 2: And I'm excited for this one because it's a little

22
00:01:27,440 --> 00:01:30,360
Speaker 2: bit spicy. We're going to be unpacking something that you

23
00:01:30,400 --> 00:01:33,559
Speaker 2: slid into our damns about which this week we're talking

24
00:01:33,600 --> 00:01:36,760
Speaker 2: about a husband who doesn't want to share his inheritance

25
00:01:36,800 --> 00:01:41,039
Speaker 2: with the rest of his family. Guys, I think it's

26
00:01:41,080 --> 00:01:42,920
Speaker 2: going to be a spicy one. But we haven't been

27
00:01:42,959 --> 00:01:45,960
Speaker 2: in the same room for the truly weeks. Beck, how

28
00:01:46,040 --> 00:01:46,319
Speaker 2: are you?

29
00:01:46,520 --> 00:01:48,400
Speaker 4: Oh my gosh, I really missed you. Guys.

30
00:01:48,440 --> 00:01:50,760
Speaker 5: Can you believe this has been like a a few weeks,

31
00:01:50,760 --> 00:01:52,520
Speaker 5: three weeks, three weeks Famari.

32
00:01:52,240 --> 00:01:53,200
Speaker 2: A month because you were sick.

33
00:01:53,360 --> 00:01:55,920
Speaker 5: I see, of course I forgot about that, and don't

34
00:01:55,920 --> 00:01:57,960
Speaker 5: be scared. But I'm still a little bit unwell. But

35
00:01:58,400 --> 00:02:01,120
Speaker 5: everyone is safe a couple of This is so cool.

36
00:02:01,160 --> 00:02:05,840
Speaker 5: I'm so happy to be bad and I'm sure off

37
00:02:05,880 --> 00:02:08,680
Speaker 5: air will talk more about your American experience. But is

38
00:02:08,680 --> 00:02:11,239
Speaker 5: all very exciting. We're all back here and everything's been great.

39
00:02:11,240 --> 00:02:12,799
Speaker 5: I'm wonder if there's any news for you. I've just

40
00:02:12,840 --> 00:02:15,239
Speaker 5: been working my life away. There was some exciting things, obviously,

41
00:02:15,360 --> 00:02:20,080
Speaker 5: been Halloween and stuff parties. I saw two fans in

42
00:02:20,120 --> 00:02:23,720
Speaker 5: the wild and Live and they came up to me

43
00:02:23,760 --> 00:02:25,160
Speaker 5: and said that you back from sches and the money

44
00:02:25,160 --> 00:02:28,040
Speaker 5: and this is never happy before, and it made my

45
00:02:28,160 --> 00:02:29,119
Speaker 5: whole life.

46
00:02:29,000 --> 00:02:30,320
Speaker 2: Isn't it so wholesome?

47
00:02:30,400 --> 00:02:32,280
Speaker 4: I love love, love, love love this.

48
00:02:32,560 --> 00:02:34,000
Speaker 5: If you think that, I don't want to be bothered

49
00:02:34,000 --> 00:02:38,320
Speaker 5: out in the street, I see.

50
00:02:37,880 --> 00:02:40,680
Speaker 2: They're like, it's so. I don't know if this is strange,

51
00:02:40,720 --> 00:02:42,760
Speaker 2: but it's like meeting friends that you just forgot the

52
00:02:42,800 --> 00:02:45,359
Speaker 2: name of, if that makes sense, Like you already feel

53
00:02:45,400 --> 00:02:47,200
Speaker 2: like you know them because you have to, like arguably

54
00:02:47,240 --> 00:02:50,160
Speaker 2: something really deep in common. I don't know. It's very cool.

55
00:02:50,320 --> 00:02:51,400
Speaker 4: Yes, it's so cool.

56
00:02:51,600 --> 00:02:53,480
Speaker 5: But look, other than that, I've just been chilling. I'm

57
00:02:53,520 --> 00:02:54,760
Speaker 5: really happy that you are.

58
00:02:55,240 --> 00:02:55,720
Speaker 2: You're here.

59
00:02:55,800 --> 00:02:58,000
Speaker 4: We're all weird, just so nice.

60
00:02:58,040 --> 00:03:02,120
Speaker 2: Miss Jessicci. You returned from Mexico earlier this week. How's

61
00:03:02,120 --> 00:03:04,800
Speaker 2: did you lack? A bit rough? But that's okay. I

62
00:03:04,840 --> 00:03:07,880
Speaker 2: hadn't been really good sleep on the plane. Thankfully. I've

63
00:03:07,880 --> 00:03:11,160
Speaker 2: got a little cozy mud United bed, which was a dream. Yeah,

64
00:03:11,240 --> 00:03:16,919
Speaker 2: couz Beck. She flew business class home. Oh no, that's nice, fancy.

65
00:03:17,240 --> 00:03:19,320
Speaker 2: I remember a couple of weeks ago I said to

66
00:03:19,360 --> 00:03:20,959
Speaker 2: her on the pod, I was like, by the way,

67
00:03:20,960 --> 00:03:23,680
Speaker 2: we're flying business and it was like surprising her for

68
00:03:23,760 --> 00:03:27,960
Speaker 2: a domestic flight to Queens Flash, then you got to

69
00:03:28,000 --> 00:03:31,600
Speaker 2: fly to the US with United in business and home.

70
00:03:31,880 --> 00:03:34,080
Speaker 6: We're going to teach everybody the hacks for how to

71
00:03:34,080 --> 00:03:36,280
Speaker 6: do it with points. So keep your eye out because, honestly,

72
00:03:36,320 --> 00:03:38,480
Speaker 6: as someone who has never done that before, I now

73
00:03:38,680 --> 00:03:41,440
Speaker 6: understand why people spend.

74
00:03:41,560 --> 00:03:43,360
Speaker 2: Like I don't have the money to spend on it,

75
00:03:43,480 --> 00:03:45,600
Speaker 2: but you have the points. You're like the points Queen.

76
00:03:45,640 --> 00:03:47,880
Speaker 6: I love a point and I understand why people do

77
00:03:47,960 --> 00:03:50,760
Speaker 6: because I slept for eleven hours on my fifteen hour flight.

78
00:03:51,040 --> 00:03:54,200
Speaker 2: Whoa eleven hours straight?

79
00:03:54,400 --> 00:03:55,840
Speaker 6: Literally Like I woke up a little bit and I

80
00:03:55,920 --> 00:03:57,200
Speaker 6: was like, I could go back to sleep. Do I

81
00:03:57,240 --> 00:03:59,040
Speaker 6: really want to do I really want to stay awake

82
00:03:59,160 --> 00:04:00,640
Speaker 6: and sit there and do we nothing. I was like, no,

83
00:04:00,720 --> 00:04:02,040
Speaker 6: I don't, And I went back and I had another

84
00:04:02,080 --> 00:04:05,040
Speaker 6: bit more of a snooze and ice cream Sunday on

85
00:04:05,080 --> 00:04:05,520
Speaker 6: the plane.

86
00:04:05,560 --> 00:04:07,400
Speaker 2: They had it in Beck on the way over. Was

87
00:04:07,400 --> 00:04:09,360
Speaker 2: it the same on the way back? Yeah? Okay, So

88
00:04:09,480 --> 00:04:11,920
Speaker 2: on the way over beck on the plane they had

89
00:04:11,960 --> 00:04:14,680
Speaker 2: a Sunday bar. Like it wasn't like, oh can I

90
00:04:14,720 --> 00:04:16,920
Speaker 2: just get you an ice cream? It was like this

91
00:04:16,960 --> 00:04:19,279
Speaker 2: guy his name was Andre. He was like the best.

92
00:04:19,400 --> 00:04:22,080
Speaker 2: He was our favorite flight attendant ever. I'm really sorry

93
00:04:22,120 --> 00:04:24,240
Speaker 2: to every other flight attendant we've ever flown with, but

94
00:04:24,520 --> 00:04:26,200
Speaker 2: he was like would you say he was like an

95
00:04:26,240 --> 00:04:28,719
Speaker 2: older French guy. Yeah, he was a slave. He was

96
00:04:28,760 --> 00:04:30,600
Speaker 2: my favorite person ever. But he came around with the

97
00:04:30,640 --> 00:04:34,080
Speaker 2: Sunday bar. It was like different types of ice creams,

98
00:04:34,120 --> 00:04:36,800
Speaker 2: different types of toppings. He had chocolate sauce, he had

99
00:04:36,839 --> 00:04:39,760
Speaker 2: caramel sauce, he had strawberry, he had like sprinkles, he

100
00:04:39,800 --> 00:04:44,440
Speaker 2: had the little Maraschino cherries. Okay, and he goes to Jessica,

101
00:04:44,839 --> 00:04:46,400
Speaker 2: what do you want? Just as like, I don't know,

102
00:04:46,440 --> 00:04:48,679
Speaker 2: it's so overwhelming. He's like, can I make you my special?

103
00:04:48,760 --> 00:04:50,680
Speaker 2: And Jess is like absolutely, and he just makes her

104
00:04:50,760 --> 00:04:55,600
Speaker 2: the massive ice cream Sunday. I've never seen happier. It

105
00:04:55,640 --> 00:04:58,520
Speaker 2: was amazing. Dream so really excited.

106
00:04:58,520 --> 00:05:00,680
Speaker 6: We're going to be making some content coming up soon

107
00:05:00,760 --> 00:05:03,080
Speaker 6: sharing how you guys can do that with Points, because

108
00:05:03,360 --> 00:05:04,800
Speaker 6: let's be honest, none of us want to pay.

109
00:05:04,880 --> 00:05:07,560
Speaker 2: I'm not paying full price for that, but did you

110
00:05:07,600 --> 00:05:11,600
Speaker 2: do it for free? Sign me right up there, and

111
00:05:11,680 --> 00:05:15,600
Speaker 2: Jess is arguably the Points queen, right yeah, Okay, We've

112
00:05:15,600 --> 00:05:17,599
Speaker 2: got her to dip her toes in the water. I

113
00:05:17,600 --> 00:05:19,120
Speaker 2: think that's what she's going to be spending all of

114
00:05:19,120 --> 00:05:20,320
Speaker 2: her points on in the future.

115
00:05:20,640 --> 00:05:25,559
Speaker 5: Okay, this is I want to I love her tuning.

116
00:05:25,680 --> 00:05:31,239
Speaker 2: How are you feeling, VD tired? Very pregnant? Yes, very pregnant.

117
00:05:31,240 --> 00:05:33,640
Speaker 2: I'm definitely not about to pop. Please don't wish that

118
00:05:33,680 --> 00:05:36,920
Speaker 2: on me just yet. But it's funny over the last

119
00:05:36,920 --> 00:05:40,640
Speaker 2: few weeks, especially traveling internationally, I'm like, oh, I have

120
00:05:40,680 --> 00:05:44,040
Speaker 2: a lot less lung capacity than I remember. But that's okay.

121
00:05:44,120 --> 00:05:46,200
Speaker 2: You're very speedy for a pregnant woman trying to keep

122
00:05:46,279 --> 00:05:49,159
Speaker 2: up with you. Sometimes when you walk, that's because you

123
00:05:49,279 --> 00:05:53,880
Speaker 2: walk at this nails pace Jessica. Honestly, I swear Jes

124
00:05:53,960 --> 00:05:56,159
Speaker 2: just dordles. I like to look at the world.

125
00:05:56,320 --> 00:05:57,120
Speaker 4: She dearly dellies.

126
00:05:57,480 --> 00:05:59,960
Speaker 2: But that's what you get, right. So we traveled with jess,

127
00:06:00,160 --> 00:06:03,760
Speaker 2: We traveled with Gabby, and then myself and Brooke, And

128
00:06:03,800 --> 00:06:06,960
Speaker 2: myself and Brooke both have diagnosed davy HD, And then

129
00:06:07,360 --> 00:06:11,239
Speaker 2: Jess and Gabby I just neurotypical, Like they're just normal

130
00:06:11,240 --> 00:06:13,880
Speaker 2: gowls working around living their life. Sure, Brook and I

131
00:06:13,920 --> 00:06:16,080
Speaker 2: got a mission. We got to go we're gonna go

132
00:06:16,200 --> 00:06:18,200
Speaker 2: up the front, and so Brooke and I would speed

133
00:06:18,240 --> 00:06:19,679
Speaker 2: off and then be like, oh where are the girls?

134
00:06:19,920 --> 00:06:21,800
Speaker 4: And the mission will change a million times.

135
00:06:22,880 --> 00:06:27,719
Speaker 2: Imagine oh, a squirrel were going that way. I wish

136
00:06:27,760 --> 00:06:29,920
Speaker 2: that was just a good example, but that's actually what

137
00:06:30,000 --> 00:06:33,040
Speaker 2: happened in Central Park and it was so good.

138
00:06:33,080 --> 00:06:35,480
Speaker 6: If you guys haven't seen, definitely head to our instagram

139
00:06:35,480 --> 00:06:37,880
Speaker 6: because we put a heap of really fun little recap videos.

140
00:06:37,880 --> 00:06:40,120
Speaker 6: We're doing a new series called The Price Is Right,

141
00:06:40,600 --> 00:06:41,719
Speaker 6: which has been super fun.

142
00:06:41,880 --> 00:06:44,960
Speaker 2: This week we filmed the Prices Right video Jess, where

143
00:06:44,960 --> 00:06:49,280
Speaker 2: did we film that? From a hot air balloon over Melbourne?

144
00:06:49,320 --> 00:06:53,120
Speaker 2: Over Melbourne seven eleven took us on their maiden voyage

145
00:06:53,360 --> 00:06:56,680
Speaker 2: of their hot air balloon that they have just instated,

146
00:06:56,839 --> 00:06:59,239
Speaker 2: and we had some coffees in the sky. But also

147
00:06:59,320 --> 00:07:02,120
Speaker 2: Jess was like, let's do the Price is Right on

148
00:07:02,240 --> 00:07:05,520
Speaker 2: this Melbourne icon and I was just like, genius.

149
00:07:05,240 --> 00:07:07,680
Speaker 6: That's everybody at home, Price is right? How much do

150
00:07:07,720 --> 00:07:10,000
Speaker 6: you think it costs to build the Melbourne I the

151
00:07:10,040 --> 00:07:13,880
Speaker 6: big Ferris Wheelfing and then head to our instagram to

152
00:07:13,960 --> 00:07:15,880
Speaker 6: learn the answer. Because we had a bunch of community

153
00:07:15,880 --> 00:07:18,640
Speaker 6: members with us on the balloon, which was so fun

154
00:07:18,760 --> 00:07:21,560
Speaker 6: and they all guessed and the price rangers were actually hilarious.

155
00:07:21,600 --> 00:07:23,600
Speaker 6: So what do you think that price is right?

156
00:07:23,640 --> 00:07:25,400
Speaker 2: How much you think it costs to build the mel

157
00:07:25,480 --> 00:07:25,680
Speaker 2: and I.

158
00:07:26,160 --> 00:07:28,760
Speaker 5: If I feel like I heard this somewhere ages ago

159
00:07:28,800 --> 00:07:31,559
Speaker 5: and I remember it being tantable, but I don't remember

160
00:07:31,560 --> 00:07:32,239
Speaker 5: the exact price.

161
00:07:32,320 --> 00:07:35,560
Speaker 4: I'm going to say two million.

162
00:07:35,520 --> 00:07:42,080
Speaker 2: Two million. Okay, it's a little bit. Let's move on.

163
00:07:42,160 --> 00:07:43,600
Speaker 2: Let's move on. I want to get on to my

164
00:07:43,640 --> 00:07:46,240
Speaker 2: favorite part of the show, Miss Jessic gotchi. What have

165
00:07:46,280 --> 00:07:48,360
Speaker 2: you got when it comes to money wins and confessions?

166
00:07:48,400 --> 00:07:48,800
Speaker 2: This week?

167
00:07:48,840 --> 00:07:49,200
Speaker 1: All right?

168
00:07:49,240 --> 00:07:49,600
Speaker 2: This week?

169
00:07:49,640 --> 00:07:51,760
Speaker 6: My first money win comes from Emma, who said I

170
00:07:51,800 --> 00:07:54,440
Speaker 6: had my baby shower on the weekend, and instead of

171
00:07:54,440 --> 00:07:57,080
Speaker 6: gifts that I don't need, I asked for cash and

172
00:07:57,120 --> 00:07:59,560
Speaker 6: gift cards that I will contribute to our first holiday

173
00:07:59,600 --> 00:08:00,600
Speaker 6: as a fair four.

174
00:08:00,760 --> 00:08:04,960
Speaker 2: Oh that's actually really really smart, right, you just wouldn't

175
00:08:04,960 --> 00:08:06,640
Speaker 2: think about it. I've been on the fence about a

176
00:08:06,640 --> 00:08:09,080
Speaker 2: baby shower because I'm kind of like, oh do I

177
00:08:09,280 --> 00:08:09,760
Speaker 2: meet it?

178
00:08:10,000 --> 00:08:12,440
Speaker 4: Like, I don't know, maybe celebration.

179
00:08:12,600 --> 00:08:14,560
Speaker 2: Well, I was gonna ask everybody to bring a book

180
00:08:15,080 --> 00:08:18,240
Speaker 2: oh that I like, build baby's first library, and then

181
00:08:18,360 --> 00:08:19,960
Speaker 2: I don't want you to bring a card. I want

182
00:08:20,000 --> 00:08:22,520
Speaker 2: you to write in the front of the book for Bambino.

183
00:08:22,800 --> 00:08:23,360
Speaker 4: I love that.

184
00:08:23,440 --> 00:08:25,200
Speaker 2: I think that'll be cute. But I like that idea

185
00:08:25,200 --> 00:08:27,480
Speaker 2: better because I like a holiday, So maybe I'll just

186
00:08:27,560 --> 00:08:29,400
Speaker 2: give it. It's going to cost you a bit more

187
00:08:29,400 --> 00:08:30,280
Speaker 2: than a book this time.

188
00:08:30,320 --> 00:08:33,760
Speaker 6: Back next, I've got a money in from Sofia, who said,

189
00:08:33,840 --> 00:08:35,800
Speaker 6: I've been wanting a diceon air up for a long time,

190
00:08:35,840 --> 00:08:38,320
Speaker 6: but I could not justify at nine hundred and fifty dollars.

191
00:08:38,360 --> 00:08:40,400
Speaker 2: I can't believe that I hundred fifty dollars. I'm sorry,

192
00:08:40,440 --> 00:08:43,240
Speaker 2: but that was the best invention. I am obsessed with

193
00:08:43,360 --> 00:08:46,839
Speaker 2: the thing, the air app. Oh, we're in a committed relationship.

194
00:08:46,840 --> 00:08:49,240
Speaker 2: Bet we do love an air up in this office.

195
00:08:49,280 --> 00:08:51,200
Speaker 6: It does it blow, drives, it curls, it does it

196
00:08:51,200 --> 00:08:53,920
Speaker 6: all as wet for attachment anyway, Sophia said, I found

197
00:08:53,920 --> 00:08:55,960
Speaker 6: it for six hundred and fifty dollars on catch of

198
00:08:56,000 --> 00:08:58,880
Speaker 6: the day, and then I compacted Dyson and they were

199
00:08:58,880 --> 00:08:59,360
Speaker 6: happy to.

200
00:08:59,320 --> 00:09:01,320
Speaker 2: Price match money.

201
00:09:01,360 --> 00:09:03,559
Speaker 6: We It was also my birthday and my family decided

202
00:09:03,600 --> 00:09:05,320
Speaker 6: to contribute towards the air rap as a gift. So

203
00:09:05,400 --> 00:09:07,320
Speaker 6: after all, it just cost me one hundred and fifty

204
00:09:07,320 --> 00:09:08,480
Speaker 6: bucks money.

205
00:09:09,200 --> 00:09:11,640
Speaker 4: And Happy birthday, Sophia, Happy birthday.

206
00:09:11,360 --> 00:09:14,480
Speaker 2: Happy birthday. Enjoy your air rap. I know this isn't sponsored.

207
00:09:14,520 --> 00:09:15,400
Speaker 2: I'm just obsessed.

208
00:09:16,320 --> 00:09:18,520
Speaker 6: Next, I've got money in from Innes who said I

209
00:09:18,600 --> 00:09:20,720
Speaker 6: ended up not buying anything in click Frenzy.

210
00:09:20,960 --> 00:09:23,960
Speaker 2: Oh very goodly, snaps for you, queen, Good for you.

211
00:09:24,440 --> 00:09:27,080
Speaker 6: Next one from Caitlin who said I've got five hundred

212
00:09:27,080 --> 00:09:29,959
Speaker 6: dollars to spend on Christmas expenses after saving my fly

213
00:09:30,080 --> 00:09:32,480
Speaker 6: Lives points all year. I am stoked with myself and

214
00:09:32,520 --> 00:09:33,640
Speaker 6: she had a little screenshot of.

215
00:09:33,640 --> 00:09:35,240
Speaker 2: A flyby that's actually genius.

216
00:09:35,320 --> 00:09:38,360
Speaker 6: She has one hundred and two thousand points. Oh, well done, queen,

217
00:09:38,440 --> 00:09:38,880
Speaker 6: well done.

218
00:09:38,920 --> 00:09:42,920
Speaker 2: I have been hoarding my shop back rewards, Jess, and

219
00:09:43,000 --> 00:09:46,120
Speaker 2: because we've traveled a fair bit over the last few months,

220
00:09:46,240 --> 00:09:50,160
Speaker 2: I have like nearly nine hundred and fifty in shopback rewards.

221
00:09:50,160 --> 00:09:53,040
Speaker 2: There this moment is going to be cashing out and

222
00:09:53,160 --> 00:09:56,040
Speaker 2: buying presents with Jean. Yes, well done you.

223
00:09:56,160 --> 00:09:58,319
Speaker 6: If anyone doesn't have shot back, don't forget. They increased

224
00:09:58,320 --> 00:10:00,400
Speaker 6: our cove, they increased own I don't I think I've

225
00:10:00,400 --> 00:10:02,160
Speaker 6: said this on the podcast, so I don't think you've

226
00:10:02,160 --> 00:10:06,080
Speaker 6: said that to me before. Fy SotM twenty give you

227
00:10:06,120 --> 00:10:07,720
Speaker 6: twenty bucks when you sign up what it used to

228
00:10:07,720 --> 00:10:08,000
Speaker 6: be ten?

229
00:10:08,160 --> 00:10:11,240
Speaker 2: Yeah? No double double money in can I unsign up

230
00:10:11,360 --> 00:10:13,640
Speaker 2: and then re sign up for my twenty bucks?

231
00:10:13,840 --> 00:10:15,800
Speaker 6: You might have to give up your nine hundred dollars,

232
00:10:15,800 --> 00:10:17,120
Speaker 6: So I don't know if that makes sense.

233
00:10:17,200 --> 00:10:21,680
Speaker 2: I will not be doing worth it, worth it whatever next.

234
00:10:21,760 --> 00:10:24,319
Speaker 6: I've got two money wins that are the kind of

235
00:10:24,320 --> 00:10:26,440
Speaker 6: the same. So I have one from Maddie who said

236
00:10:26,440 --> 00:10:28,920
Speaker 6: I arrived at six thirty am at the new LSKD

237
00:10:29,040 --> 00:10:32,000
Speaker 6: store opening in Melbourne on Saturday and scored myself some

238
00:10:32,040 --> 00:10:35,400
Speaker 6: free tights. And then Gabrielle was also in that line

239
00:10:35,440 --> 00:10:38,679
Speaker 6: because she said LSKD tights swap. I got three hundred

240
00:10:38,679 --> 00:10:40,720
Speaker 6: dollars types at the new Melbourne Central store opening on

241
00:10:40,760 --> 00:10:43,320
Speaker 6: the weekend slay. I was really sad that I was

242
00:10:43,360 --> 00:10:45,120
Speaker 6: on a plane when they opened, because I would have

243
00:10:45,120 --> 00:10:45,760
Speaker 6: been in that line.

244
00:10:45,600 --> 00:10:49,000
Speaker 2: Which you have LSKD tights before? We love them, They're

245
00:10:49,240 --> 00:10:52,679
Speaker 2: so so good and I have them. Huh, she's literally

246
00:10:52,679 --> 00:10:55,840
Speaker 2: wearing them right now, cause she's literally wearing them. And

247
00:10:55,840 --> 00:10:58,200
Speaker 2: look what does her shirt say?

248
00:10:58,200 --> 00:11:04,120
Speaker 7: Oh you got before we move on, could we please

249
00:11:04,160 --> 00:11:07,000
Speaker 7: get a clip of that Jessica throwing her leg in

250
00:11:07,040 --> 00:11:09,760
Speaker 7: the air mid podcast and just share that with the

251
00:11:09,800 --> 00:11:10,960
Speaker 7: rest of the pod community.

252
00:11:10,960 --> 00:11:14,320
Speaker 2: I think they need to see. Save don't cut this

253
00:11:14,360 --> 00:11:17,000
Speaker 2: part out of the podcast to our Instagram. I put

254
00:11:17,000 --> 00:11:17,360
Speaker 2: it on there.

255
00:11:17,400 --> 00:11:20,280
Speaker 6: Oh god, last they have the money from analysis that

256
00:11:20,360 --> 00:11:23,040
Speaker 6: I cooked my daughter her first birthday cake. I saved

257
00:11:23,120 --> 00:11:26,520
Speaker 6: some money. Cake can be so expensive and it turned

258
00:11:26,520 --> 00:11:27,440
Speaker 6: out really great.

259
00:11:27,520 --> 00:11:30,200
Speaker 2: Thanks to YouTube for the extra tips. And you know

260
00:11:30,240 --> 00:11:32,680
Speaker 2: we love a little pitchy. That's so nice.

261
00:11:33,480 --> 00:11:36,840
Speaker 6: It's got some butter moments. Yeah, the buttercream looks stunning.

262
00:11:36,960 --> 00:11:39,040
Speaker 6: That's amazing what you can learn to do on YouTube.

263
00:11:39,200 --> 00:11:40,120
Speaker 4: Yeah, seriously.

264
00:11:40,240 --> 00:11:42,520
Speaker 2: I also just don't I don't know. This is another

265
00:11:42,520 --> 00:11:45,480
Speaker 2: spicy Victoria to my opinion. We all know that I

266
00:11:45,520 --> 00:11:49,120
Speaker 2: love a party. Yeah, like it is. I would love

267
00:11:49,160 --> 00:11:51,560
Speaker 2: to think that I'm Queen of the party. Love a cake.

268
00:11:52,360 --> 00:11:54,920
Speaker 2: When I have this baby, it will be getting Cole's

269
00:11:55,000 --> 00:11:59,120
Speaker 2: mud cakes. They don't know the difference, right, Like when

270
00:11:59,120 --> 00:12:03,360
Speaker 2: you're one, Like you don't get a Barbie masterpiece. No,

271
00:12:03,840 --> 00:12:05,439
Speaker 2: you're not going to appreciate.

272
00:12:05,040 --> 00:12:06,160
Speaker 4: You'm not gonna appreciate it.

273
00:12:06,200 --> 00:12:09,400
Speaker 2: You are one He is a Cole's mud cake with

274
00:12:09,520 --> 00:12:10,559
Speaker 2: a candle.

275
00:12:10,160 --> 00:12:12,920
Speaker 6: In it, just like my favorite is parents for like

276
00:12:12,960 --> 00:12:15,520
Speaker 6: the first couple of like birthdays and Christmases. When you

277
00:12:15,600 --> 00:12:17,640
Speaker 6: just go, oh, that toy I gave you six months ago.

278
00:12:17,760 --> 00:12:20,000
Speaker 2: Wrapped up under the tree, You're not gonna know. That's

279
00:12:20,040 --> 00:12:24,320
Speaker 2: gonna be me kitchen towel, Merry Christmas. Yes, if they're

280
00:12:24,360 --> 00:12:27,080
Speaker 2: obsessed with the dog toys, I'm gonna wrap those dog

281
00:12:27,120 --> 00:12:29,559
Speaker 2: toys up. And what it gives them to them, it's

282
00:12:29,600 --> 00:12:32,400
Speaker 2: the experience of opening presents. It's a joy. And as

283
00:12:32,440 --> 00:12:35,439
Speaker 2: long as they have the joy, that's a really good

284
00:12:35,559 --> 00:12:38,440
Speaker 2: money tip. If you have a toddler, just wrap up

285
00:12:38,480 --> 00:12:40,480
Speaker 2: the stuff that they haven't played with in a while.

286
00:12:41,080 --> 00:12:41,840
Speaker 2: They'll be stoked.

287
00:12:42,160 --> 00:12:44,559
Speaker 5: They will have no idea. It's a fresh new present

288
00:12:44,600 --> 00:12:46,920
Speaker 5: for them. I think this is genius.

289
00:12:47,360 --> 00:12:48,160
Speaker 4: It's a great idea.

290
00:12:48,240 --> 00:12:50,240
Speaker 2: Good little brut tip for you there. Oh, I love that.

291
00:12:50,360 --> 00:12:54,800
Speaker 2: Speaking of let's segue straight into that, miss Beck, I

292
00:12:54,880 --> 00:12:58,480
Speaker 2: have missed our broke tips. Something shocking. It's been a

293
00:12:58,480 --> 00:13:00,840
Speaker 2: while a while, I know, so I want to know

294
00:13:01,240 --> 00:13:03,120
Speaker 2: what are you bringing to the table this week. I

295
00:13:03,160 --> 00:13:04,920
Speaker 2: hope they're good. You've had a lot of time to

296
00:13:04,960 --> 00:13:07,640
Speaker 2: plan a lot of time. Oh no, the pressure's on.

297
00:13:07,880 --> 00:13:10,160
Speaker 2: No pressure, no pressure, just don't make them terrible, all.

298
00:13:10,160 --> 00:13:12,920
Speaker 5: Right, of course? Okay, So as per we have two

299
00:13:13,080 --> 00:13:17,559
Speaker 5: from the community. First one comes from Sabrina. Sabrina suggests

300
00:13:17,679 --> 00:13:21,240
Speaker 5: that instead of doing a shopping list for what you

301
00:13:21,400 --> 00:13:24,920
Speaker 5: need at home, instead spend a whole day going through

302
00:13:24,920 --> 00:13:27,440
Speaker 5: your pantry, your fridge and everything and do a stock

303
00:13:27,559 --> 00:13:30,280
Speaker 5: list of what you already have and then keep like

304
00:13:30,360 --> 00:13:32,679
Speaker 5: updating that as you go, because I don't know, I've

305
00:13:32,679 --> 00:13:34,680
Speaker 5: mentioned this before, where you like go out and you

306
00:13:34,720 --> 00:13:36,720
Speaker 5: need to buy like cuman or salt or something, and

307
00:13:36,720 --> 00:13:37,959
Speaker 5: you come home and you have like twenty of the

308
00:13:38,000 --> 00:13:40,480
Speaker 5: same thing. But instead to do a stop list of

309
00:13:40,679 --> 00:13:42,760
Speaker 5: everything you own, things that are right at the back

310
00:13:42,800 --> 00:13:45,440
Speaker 5: of the pantry, some old pasta or whatever, you might

311
00:13:45,520 --> 00:13:49,200
Speaker 5: end up having so much food and not have to

312
00:13:49,200 --> 00:13:50,360
Speaker 5: go to the grocery store at all.

313
00:13:50,720 --> 00:13:52,920
Speaker 2: There are three types of peanut buttery in my hayes.

314
00:13:53,160 --> 00:13:56,440
Speaker 6: Exactly have you seen those vintage This is very niche,

315
00:13:56,960 --> 00:13:59,120
Speaker 6: those vintage shopping lists.

316
00:13:59,280 --> 00:14:01,440
Speaker 2: I'm realizing this might not be interesting to anyway except me.

317
00:14:03,440 --> 00:14:05,679
Speaker 6: There's these I like, she's just committed though.

318
00:14:08,280 --> 00:14:10,160
Speaker 2: Story You can cut it out.

319
00:14:10,160 --> 00:14:12,320
Speaker 6: If you're on I like history, and they used to

320
00:14:12,360 --> 00:14:14,680
Speaker 6: have these. There would be like little metal rectangles and

321
00:14:14,679 --> 00:14:17,120
Speaker 6: it would have all of your staples like egg, milk,

322
00:14:17,240 --> 00:14:21,320
Speaker 6: bread butter, whatever, eggs like bread butter, eggs.

323
00:14:24,560 --> 00:14:26,440
Speaker 4: You need to buy.

324
00:14:27,280 --> 00:14:31,120
Speaker 6: Just very excited anyway, and they have little little toggles,

325
00:14:31,240 --> 00:14:33,720
Speaker 6: and so you would have it like if you had it,

326
00:14:33,880 --> 00:14:35,760
Speaker 6: you would have it togged to the left or whatever side.

327
00:14:35,840 --> 00:14:37,480
Speaker 6: If you didn't have it, you would switch the toggle.

328
00:14:37,760 --> 00:14:41,600
Speaker 4: Sure like you.

329
00:14:46,240 --> 00:14:51,240
Speaker 2: Interesting, like, oh, you could just write a list. It's

330
00:14:51,280 --> 00:14:53,480
Speaker 2: not quite translated. Wait, let me find a photo. You

331
00:14:53,520 --> 00:14:55,880
Speaker 2: don't need the photo. I know exactly what you're talking about.

332
00:14:55,920 --> 00:15:00,120
Speaker 4: I'm sorry, I was trying to not laugh, but but

333
00:15:00,320 --> 00:15:06,520
Speaker 4: I love this market. That's fuck this idea.

334
00:15:07,200 --> 00:15:09,520
Speaker 2: We can talk about this idea offline.

335
00:15:09,760 --> 00:15:11,400
Speaker 4: Oh I've never seen that before.

336
00:15:14,160 --> 00:15:17,400
Speaker 2: Very very but I live on TikTok, so I see

337
00:15:17,680 --> 00:15:19,400
Speaker 2: moving right along. What's your nextreaciate?

338
00:15:19,640 --> 00:15:22,840
Speaker 5: That's very much okay. So this next one comes from Jade.

339
00:15:22,840 --> 00:15:25,000
Speaker 5: This one is actually genius. So I hope that I'll

340
00:15:25,000 --> 00:15:27,440
Speaker 5: explain this properly because it's a little bit it's a

341
00:15:27,480 --> 00:15:29,400
Speaker 5: little bit hard to explain, but basically, what.

342
00:15:29,560 --> 00:15:32,160
Speaker 2: Is it hard to explain, is Jesse's shopping case.

343
00:15:32,720 --> 00:15:36,320
Speaker 4: I don't think anything is as hard to This will

344
00:15:36,360 --> 00:15:37,880
Speaker 4: be very close to so.

345
00:15:39,080 --> 00:15:42,160
Speaker 5: Jade says that when ordering online from Woolly's, place your

346
00:15:42,240 --> 00:15:46,360
Speaker 5: order on a Tuesday with delivery pickup for Wednesday afternoon

347
00:15:46,760 --> 00:15:50,600
Speaker 5: slash Thursday, you will get Tuesday's specials when you place

348
00:15:50,640 --> 00:15:54,640
Speaker 5: the order. You can then modify your order early Wednesday

349
00:15:55,040 --> 00:15:58,760
Speaker 5: to remove slash ad items that have now gone on special,

350
00:15:59,040 --> 00:16:01,360
Speaker 5: so you're basically getting dipping.

351
00:16:01,520 --> 00:16:04,120
Speaker 4: Yeah, she's a genius. You see you keep last.

352
00:16:03,880 --> 00:16:08,240
Speaker 5: Week's specials and you now have the next week's specials.

353
00:16:08,280 --> 00:16:08,880
Speaker 4: Does that make sense?

354
00:16:08,920 --> 00:16:09,640
Speaker 2: Could edit it?

355
00:16:09,760 --> 00:16:10,960
Speaker 4: You can edit it if.

356
00:16:10,800 --> 00:16:13,840
Speaker 2: It's like, but do you lose the discount? Not?

357
00:16:14,000 --> 00:16:17,080
Speaker 5: No, you keep last week's discount and then you you

358
00:16:17,120 --> 00:16:19,840
Speaker 5: remove the items that are now on special if there

359
00:16:19,880 --> 00:16:22,840
Speaker 5: are any, and you put them back in. Now you've

360
00:16:22,840 --> 00:16:25,480
Speaker 5: got two lots of specials, two weeks worth of specials.

361
00:16:25,600 --> 00:16:30,480
Speaker 4: If that is actually glitch, so let's it's not.

362
00:16:31,200 --> 00:16:33,600
Speaker 2: If you're listening or you're not, you're.

363
00:16:33,480 --> 00:16:34,880
Speaker 4: Not give that. That sounds great.

364
00:16:34,880 --> 00:16:37,480
Speaker 2: You already make enough profits sit down there exactly.

365
00:16:37,600 --> 00:16:39,520
Speaker 4: So I think that's genius and I never thought to

366
00:16:39,520 --> 00:16:40,040
Speaker 4: do that for so.

367
00:16:40,960 --> 00:16:48,240
Speaker 2: It's really smart and you well articulated, what's your broke?

368
00:16:48,920 --> 00:16:51,800
Speaker 4: Okay, so this one as usual a bit rogue.

369
00:16:52,400 --> 00:16:53,680
Speaker 2: Really I didn't see what's coming.

370
00:16:54,640 --> 00:16:57,880
Speaker 4: Okay, so appervently.

371
00:16:57,840 --> 00:17:03,479
Speaker 2: If just checking, is this legal? This is legal in Australia.

372
00:17:03,600 --> 00:17:07,359
Speaker 2: It's legal in Australia. It's maybe not, depending on your situation.

373
00:17:07,440 --> 00:17:10,199
Speaker 2: I might not recommend, I might not condone. Interesting, Oh

374
00:17:10,280 --> 00:17:12,320
Speaker 2: my god, why did I ask you?

375
00:17:12,720 --> 00:17:13,960
Speaker 4: That's probably good that you did.

376
00:17:14,560 --> 00:17:16,880
Speaker 5: If you dust baking soda on top of super glue,

377
00:17:16,920 --> 00:17:19,119
Speaker 5: it hardens almost instantly. So let's so you have a

378
00:17:19,200 --> 00:17:21,000
Speaker 5: chip in your wind screen or.

379
00:17:21,280 --> 00:17:24,480
Speaker 2: Oh my god, are we sure that that's legal?

380
00:17:24,720 --> 00:17:27,960
Speaker 4: It's probably it's probably not. It's not advised.

381
00:17:28,000 --> 00:17:29,520
Speaker 5: It's just like if you have like a little like

382
00:17:29,600 --> 00:17:32,880
Speaker 5: plastic items, maybe shoes, maybe things like that that aren't

383
00:17:33,000 --> 00:17:33,960
Speaker 5: like glass or anything.

384
00:17:34,040 --> 00:17:36,200
Speaker 4: Maybe not your windscreen. Actually, forget that I said wind screen.

385
00:17:36,359 --> 00:17:40,720
Speaker 2: I'm gonna lie. I never needed baking soda for super glue.

386
00:17:40,760 --> 00:17:41,240
Speaker 2: Not dry.

387
00:17:41,359 --> 00:17:43,680
Speaker 4: It's like a resin. It's like a resin substance.

388
00:17:43,800 --> 00:17:47,000
Speaker 5: That's what I'm science here. It makes it makes like

389
00:17:47,040 --> 00:17:50,200
Speaker 5: a resin sort of substance. It's obviously not resin.

390
00:17:50,240 --> 00:17:52,239
Speaker 2: But I can't be trusted with super glue, So this

391
00:17:52,280 --> 00:17:53,800
Speaker 2: is a great tip for you.

392
00:17:53,880 --> 00:17:56,200
Speaker 5: Yes, yes, yes, so do you do try when you're

393
00:17:56,800 --> 00:17:59,800
Speaker 5: baking soda super glue it hardens immediately, so make sure

394
00:17:59,840 --> 00:18:00,840
Speaker 5: it's all ready to go.

395
00:18:01,000 --> 00:18:02,639
Speaker 4: You don't want to start pouring when it's not.

396
00:18:03,000 --> 00:18:05,959
Speaker 5: But like, let's say you have chip in again, I'm

397
00:18:06,000 --> 00:18:09,560
Speaker 5: gonna say, let's do let's say no. As soon as

398
00:18:09,560 --> 00:18:12,480
Speaker 5: you it hardens instantly, hardens instantly, so you hold it

399
00:18:12,720 --> 00:18:15,600
Speaker 5: if you're in a rush, if you superglue something totally

400
00:18:15,840 --> 00:18:18,919
Speaker 5: like me and my together, like that's the only memory

401
00:18:18,960 --> 00:18:19,920
Speaker 5: I have super glue.

402
00:18:19,960 --> 00:18:20,480
Speaker 4: That's very true.

403
00:18:20,520 --> 00:18:21,960
Speaker 5: Or if I've never done this because I've never got

404
00:18:21,960 --> 00:18:24,119
Speaker 5: my nails done. But let's say your nail falls off.

405
00:18:24,560 --> 00:18:27,600
Speaker 2: If your nails, no, I've definitely done that. I can

406
00:18:27,760 --> 00:18:30,879
Speaker 2: understand that maybe you haven't experienced that, but I definitely have.

407
00:18:31,000 --> 00:18:33,480
Speaker 2: In fact, I have reglued this nail on this week

408
00:18:33,520 --> 00:18:34,280
Speaker 2: with super glued.

409
00:18:34,440 --> 00:18:36,120
Speaker 4: Ah, did you use baking soda?

410
00:18:36,320 --> 00:18:38,120
Speaker 5: No, So maybe it's not going to work out long

411
00:18:38,200 --> 00:18:42,119
Speaker 5: term for us. Really disappointing, but that is a I

412
00:18:42,160 --> 00:18:44,040
Speaker 5: guess like it's a pretty good I'm going to try.

413
00:18:44,280 --> 00:18:47,119
Speaker 2: For science, because I'm totally to see what happened totally.

414
00:18:46,880 --> 00:18:47,280
Speaker 4: And you don't.

415
00:18:47,359 --> 00:18:49,080
Speaker 5: You don't end up needing to, you know, go out

416
00:18:49,080 --> 00:18:52,199
Speaker 5: and buy a new topwear or glass jars, whatever it

417
00:18:52,240 --> 00:18:54,200
Speaker 5: is that you're using your friends and filling a hole

418
00:18:54,240 --> 00:18:55,880
Speaker 5: and you're feeling eating something.

419
00:18:55,920 --> 00:18:57,920
Speaker 2: It's filling a hole. No, but you could use it.

420
00:18:57,880 --> 00:18:58,600
Speaker 4: To bond as well.

421
00:18:58,600 --> 00:19:00,000
Speaker 2: It does not sound food safe.

422
00:19:00,080 --> 00:19:02,320
Speaker 6: I don't know how you put the baking soda if

423
00:19:02,320 --> 00:19:02,919
Speaker 6: you're bonding some.

424
00:19:03,080 --> 00:19:05,119
Speaker 2: That's what I mean. You mix the baking soda with

425
00:19:05,200 --> 00:19:06,720
Speaker 2: the super glue and then use it, or do you

426
00:19:06,760 --> 00:19:09,359
Speaker 2: put the super glue in and then stuff some baking

427
00:19:09,400 --> 00:19:10,280
Speaker 2: soda on like house.

428
00:19:10,320 --> 00:19:11,159
Speaker 4: I'm saying if you're.

429
00:19:11,040 --> 00:19:12,600
Speaker 5: Like, let's say, like you have a plate, you put

430
00:19:12,600 --> 00:19:14,359
Speaker 5: the plate together, you put your super blue in, and

431
00:19:14,359 --> 00:19:18,359
Speaker 5: then you dost thing on top right instantly.

432
00:19:18,680 --> 00:19:20,920
Speaker 2: Plate. It's a good example plate. It's a good example plate.

433
00:19:20,920 --> 00:19:24,400
Speaker 2: It's a great shal example. I still don't think it's

434
00:19:24,400 --> 00:19:27,359
Speaker 2: food safe. Let's leave this conversation here because after the break,

435
00:19:27,400 --> 00:19:29,720
Speaker 2: which I cannot wait for, we're going to be discussing

436
00:19:29,760 --> 00:19:32,679
Speaker 2: what the best savings account for your future house deposit is.

437
00:19:32,960 --> 00:19:35,880
Speaker 2: But we're also getting to the spicy topic of someone's

438
00:19:35,960 --> 00:19:38,600
Speaker 2: husband in our community got an inheritance and didn't want

439
00:19:38,600 --> 00:19:40,199
Speaker 2: to share it with his wife, and we need to

440
00:19:40,200 --> 00:19:48,640
Speaker 2: talk about it, so guys, do not go anywhere. Welcome back, everybody.

441
00:19:48,720 --> 00:19:53,520
Speaker 2: Let's take a listen to this week's money dilemma, shall we? Hi?

442
00:19:53,640 --> 00:19:53,880
Speaker 3: There?

443
00:19:54,160 --> 00:19:56,399
Speaker 2: Have you got a money dilemma you just can't solve?

444
00:19:56,560 --> 00:19:58,760
Speaker 2: The Sheese on the Money team is here to help.

445
00:19:59,080 --> 00:20:02,080
Speaker 2: Every week, we tackle your dilemmas, both big and small,

446
00:20:02,160 --> 00:20:05,280
Speaker 2: to answer your most burning money, career and life questions.

447
00:20:05,440 --> 00:20:07,920
Speaker 2: To get involved, simply head to our website and leave

448
00:20:08,000 --> 00:20:10,120
Speaker 2: us a short voice recording and you might just find

449
00:20:10,160 --> 00:20:12,880
Speaker 2: yourself on the show. Now, let's take a listen to

450
00:20:12,920 --> 00:20:14,120
Speaker 2: this week's money dilemma.

451
00:20:17,320 --> 00:20:19,160
Speaker 8: Hish is on the Money. I am such a big

452
00:20:19,200 --> 00:20:21,560
Speaker 8: fan of the podcast and I'm hoping you can help.

453
00:20:21,840 --> 00:20:24,439
Speaker 8: I have a question about investing. I've saved up a

454
00:20:24,440 --> 00:20:26,760
Speaker 8: house deposit and I'd like to do something with around

455
00:20:26,800 --> 00:20:29,879
Speaker 8: fifty thousand dollars of it. It's currently sitting in a

456
00:20:29,920 --> 00:20:33,040
Speaker 8: savings account of about four and a half percent. However,

457
00:20:33,080 --> 00:20:35,000
Speaker 8: I'm wondering if I should do something better with the

458
00:20:35,040 --> 00:20:37,399
Speaker 8: money to make it work harder. For me, would it

459
00:20:37,440 --> 00:20:39,080
Speaker 8: be best to put it in a bond or an

460
00:20:39,080 --> 00:20:42,800
Speaker 8: index fund or some high interest savings account. I wouldn't

461
00:20:42,800 --> 00:20:45,119
Speaker 8: be looking at purchasing for about another year. And it

462
00:20:45,119 --> 00:20:47,880
Speaker 8: feels silly just having such a large sum sitting there.

463
00:20:48,040 --> 00:20:49,000
Speaker 8: Thank you so much.

464
00:20:49,160 --> 00:20:50,439
Speaker 2: I know what you're gonna say, so I might as

465
00:20:50,480 --> 00:20:52,159
Speaker 2: well just let you say it. No, what am I

466
00:20:52,200 --> 00:20:54,199
Speaker 2: going to say? Make me redundant? I'm going to go

467
00:20:54,200 --> 00:20:55,800
Speaker 2: on matt leave at some point. I need to test

468
00:20:55,840 --> 00:20:58,920
Speaker 2: your Yeah, this is your probation test.

469
00:20:59,160 --> 00:21:03,040
Speaker 6: No, you have said before, like, we don't invest anything

470
00:21:03,119 --> 00:21:06,200
Speaker 6: for the short term because market volatility over the period

471
00:21:06,200 --> 00:21:08,880
Speaker 6: of a year, there's a very high level of risk

472
00:21:08,960 --> 00:21:11,600
Speaker 6: that you will experience volatility and that your money could

473
00:21:11,600 --> 00:21:13,320
Speaker 6: be impacted. So if you put forty grand in out,

474
00:21:13,359 --> 00:21:15,080
Speaker 6: it could be forty grand next year. You just don't know,

475
00:21:15,160 --> 00:21:17,000
Speaker 6: it could be sixty not saying it will go up,

476
00:21:17,160 --> 00:21:20,160
Speaker 6: not saying it will go down. But it's high risk, right,

477
00:21:20,240 --> 00:21:21,680
Speaker 6: so you would want to put it if you're putting

478
00:21:21,680 --> 00:21:26,480
Speaker 6: it anywhere somewhere safe. Bonds generally are longer term, right,

479
00:21:26,520 --> 00:21:27,800
Speaker 6: so you might be able to I don't know too

480
00:21:27,880 --> 00:21:28,480
Speaker 6: much about bonds.

481
00:21:28,480 --> 00:21:29,679
Speaker 2: We have a good episode on it, though we do

482
00:21:29,720 --> 00:21:32,440
Speaker 2: have a good episode on bonds. I would say maybe

483
00:21:32,520 --> 00:21:35,520
Speaker 2: you could consider a bond is a more conservative option. However,

484
00:21:35,640 --> 00:21:40,040
Speaker 2: they usually have longer term or commitments, So bond in

485
00:21:40,080 --> 00:21:43,040
Speaker 2: Australia is usually a ten year commitment. And if you

486
00:21:43,080 --> 00:21:45,000
Speaker 2: went into it for twelve months and then pulled your

487
00:21:45,000 --> 00:21:47,960
Speaker 2: money out, you would be foregoing any interest you had

488
00:21:48,080 --> 00:21:51,159
Speaker 2: urged you already done. It actually makes no sense. You

489
00:21:51,200 --> 00:21:55,200
Speaker 2: are correct. I would never recommend investing for the short term.

490
00:21:55,480 --> 00:21:58,439
Speaker 2: Obviously you do, you Booth, and I'll do me. But

491
00:21:58,960 --> 00:22:02,640
Speaker 2: you're right, market latility over twelve months is way too short.

492
00:22:02,640 --> 00:22:05,080
Speaker 2: If hit the nail on the head, I'm actually redundant now, Beck,

493
00:22:05,920 --> 00:22:09,359
Speaker 2: So I would just honestly useless. So I would just

494
00:22:09,400 --> 00:22:10,240
Speaker 2: see myself out.

495
00:22:10,280 --> 00:22:11,600
Speaker 4: But it kind of awkwardly, it's still here.

496
00:22:12,880 --> 00:22:14,879
Speaker 2: Just let me have a turn. Just let me have

497
00:22:14,920 --> 00:22:15,679
Speaker 2: a turn, all right.

498
00:22:15,880 --> 00:22:16,920
Speaker 4: You can have one shot.

499
00:22:17,000 --> 00:22:19,000
Speaker 2: So we are talking at the moment a lot about

500
00:22:19,040 --> 00:22:20,719
Speaker 2: like the rise and cash rate and how much that

501
00:22:20,760 --> 00:22:23,520
Speaker 2: sucks for people with mortgages. Already you're in this beautiful

502
00:22:23,520 --> 00:22:27,199
Speaker 2: position where this actually benefits you. So historically I have

503
00:22:27,280 --> 00:22:30,840
Speaker 2: said on the podcast air high interest Savings accounts, like,

504
00:22:30,960 --> 00:22:33,560
Speaker 2: you know, they're not all sunshine and roses because they

505
00:22:33,640 --> 00:22:36,440
Speaker 2: dropped down to like less than one percent return yeah,

506
00:22:36,440 --> 00:22:38,520
Speaker 2: mimus point seventy five at one point yeah, and it's

507
00:22:38,560 --> 00:22:40,439
Speaker 2: like not that sexy, right, But now you can get

508
00:22:40,480 --> 00:22:43,399
Speaker 2: a high interest savings account for like five point six percent.

509
00:22:43,840 --> 00:22:46,880
Speaker 2: That's really sexy. What we do need to remember about that, though,

510
00:22:46,920 --> 00:22:49,040
Speaker 2: is that you will be paying your marginal tax rate

511
00:22:49,119 --> 00:22:51,560
Speaker 2: on that five point six percent. You don't get five

512
00:22:51,600 --> 00:22:54,280
Speaker 2: point six percent clean because any money that you earn

513
00:22:54,359 --> 00:22:58,679
Speaker 2: in Australia will be taxable income even on your like

514
00:22:58,840 --> 00:23:01,600
Speaker 2: on your savings account. Still, that's a money win. You

515
00:23:01,680 --> 00:23:03,480
Speaker 2: might lose, you know, thirty two and a half cents

516
00:23:03,480 --> 00:23:05,679
Speaker 2: in the dollar. I don't mind if you lose that

517
00:23:05,760 --> 00:23:09,360
Speaker 2: amount when you're actually making you know, significantly more. So

518
00:23:09,680 --> 00:23:11,879
Speaker 2: I think at this point in time, while it's not

519
00:23:12,160 --> 00:23:15,240
Speaker 2: personal advice, I would be looking at high interest savings

520
00:23:15,240 --> 00:23:19,480
Speaker 2: accounts with some level of scrutiny like what are they returning?

521
00:23:19,680 --> 00:23:22,160
Speaker 2: But what is also the criteria? So there are some

522
00:23:22,240 --> 00:23:25,240
Speaker 2: accounts out there at this point in time that go, beck,

523
00:23:25,280 --> 00:23:27,639
Speaker 2: we'll give you that five point six percent return, but

524
00:23:27,720 --> 00:23:31,320
Speaker 2: you have to be spending fifteen hundred dollars a minimum

525
00:23:31,359 --> 00:23:33,600
Speaker 2: from that account, and you have to be depositing a

526
00:23:33,600 --> 00:23:36,320
Speaker 2: minimum of two thousand dollars into the account. So read

527
00:23:36,320 --> 00:23:39,040
Speaker 2: the terms and conditions before you sign up to something

528
00:23:39,080 --> 00:23:41,800
Speaker 2: that you go, oh, that looks really sexy. Don't just

529
00:23:41,880 --> 00:23:44,480
Speaker 2: sign up because you know the shiny marketing got you.

530
00:23:44,560 --> 00:23:47,359
Speaker 2: Make sure that you understand what the crux of that

531
00:23:47,560 --> 00:23:49,320
Speaker 2: is and how long you need to have your money

532
00:23:49,320 --> 00:23:51,919
Speaker 2: in there. If there's some kind of term deposit on it,

533
00:23:52,200 --> 00:23:53,919
Speaker 2: they might go, oh, well, it's a term deposit for

534
00:23:53,920 --> 00:23:56,040
Speaker 2: twelve months. That's fine if you don't want to touch

535
00:23:56,040 --> 00:23:58,160
Speaker 2: it for twelve months, but don't forget. If you break

536
00:23:58,200 --> 00:24:00,760
Speaker 2: a term deposit in the same way breaking a bond,

537
00:24:00,840 --> 00:24:03,359
Speaker 2: you forego any of the interests that you've earned, and

538
00:24:03,400 --> 00:24:05,399
Speaker 2: that can actually shoot you in the foot. So I

539
00:24:05,440 --> 00:24:08,679
Speaker 2: think you're right, Jess. I could never recommend investing so

540
00:24:08,880 --> 00:24:11,640
Speaker 2: like a bond or an ETF like it's just honestly

541
00:24:11,680 --> 00:24:15,200
Speaker 2: not worth your time. But popping it into a high

542
00:24:15,200 --> 00:24:17,880
Speaker 2: interest savings account wouldn't be the worst idea you've ever had.

543
00:24:18,560 --> 00:24:19,800
Speaker 4: Love that quick and clean.

544
00:24:19,800 --> 00:24:22,760
Speaker 2: Now let's get to the good stuff. Yay, all right,

545
00:24:22,840 --> 00:24:24,919
Speaker 2: Jess is right, We've answered our question and now it

546
00:24:25,000 --> 00:24:27,520
Speaker 2: is onto the spicy stuff. One of you slid into

547
00:24:27,560 --> 00:24:29,280
Speaker 2: our DMS this week? Are you ready?

548
00:24:29,760 --> 00:24:30,359
Speaker 4: M ready?

549
00:24:30,520 --> 00:24:33,320
Speaker 2: Okay, here's the message we got. Hey girls. I would

550
00:24:33,440 --> 00:24:37,240
Speaker 2: love some advice because I'm feeling pretty flat. My husband

551
00:24:37,359 --> 00:24:40,600
Speaker 2: recently inherited a large amount of money. It's about three

552
00:24:40,720 --> 00:24:44,399
Speaker 2: hundred thousand dollars, and very much to my surprise, he

553
00:24:44,560 --> 00:24:46,919
Speaker 2: said he does not want to share it with our family,

554
00:24:47,119 --> 00:24:50,840
Speaker 2: which includes myself and our five year old son. We

555
00:24:50,920 --> 00:24:53,280
Speaker 2: own a house together, we've been married for more than

556
00:24:53,320 --> 00:24:57,560
Speaker 2: eight years, and share all other finances. I suppose I

557
00:24:57,600 --> 00:25:00,080
Speaker 2: expected him to keep a little bit for himself, but

558
00:25:00,119 --> 00:25:02,280
Speaker 2: I thought he would put a majority of it towards

559
00:25:02,280 --> 00:25:06,960
Speaker 2: assisting the family, or at least take a nice holiday altogether. However,

560
00:25:07,400 --> 00:25:10,040
Speaker 2: he has said many many times that he feels the

561
00:25:10,080 --> 00:25:12,680
Speaker 2: money is his and he wants to keep it for himself,

562
00:25:12,720 --> 00:25:15,520
Speaker 2: to perhaps buy a new car or something like that.

563
00:25:16,200 --> 00:25:18,960
Speaker 2: I just feel so confused. We have such a strong

564
00:25:19,040 --> 00:25:21,880
Speaker 2: relationship and I would never expect this from him. If

565
00:25:21,880 --> 00:25:24,280
Speaker 2: it was in reverse, I would one hundred percent view

566
00:25:24,359 --> 00:25:27,240
Speaker 2: the money as both of ours, and it's really upsetting

567
00:25:27,320 --> 00:25:30,160
Speaker 2: that he doesn't see it this way, any advice would

568
00:25:30,200 --> 00:25:34,919
Speaker 2: mean so much? Are you kidding? That's crazy to me, Like,

569
00:25:34,960 --> 00:25:38,560
Speaker 2: this isn't your girlfriend expecting you to spend an inheritance

570
00:25:38,600 --> 00:25:42,200
Speaker 2: on her going to Europe. This is your wife expecting

571
00:25:42,240 --> 00:25:45,480
Speaker 2: you to pay some of the mortgage off with your

572
00:25:45,520 --> 00:25:50,159
Speaker 2: shared finances for your actual child. I am, I don't know.

573
00:25:50,760 --> 00:25:53,520
Speaker 2: I usually try to be really like you know, on

574
00:25:53,560 --> 00:25:58,280
Speaker 2: the fence about this, the audacity. You are married, you

575
00:25:58,440 --> 00:26:01,800
Speaker 2: have a child, Like, why aren't we putting your entire

576
00:26:02,000 --> 00:26:06,240
Speaker 2: wealth creation journey first? That's three hundred thousand dollars. That's

577
00:26:06,280 --> 00:26:07,320
Speaker 2: life changing. Yeah.

578
00:26:07,920 --> 00:26:10,040
Speaker 6: I think it's the fact that they fully share finances

579
00:26:10,040 --> 00:26:12,680
Speaker 6: that gets me, Like, if you operated your finances independently

580
00:26:12,800 --> 00:26:14,960
Speaker 6: while being in a relationship, I could see a bit

581
00:26:15,000 --> 00:26:18,359
Speaker 6: more roomfully way there. But I would love to know

582
00:26:18,400 --> 00:26:21,280
Speaker 6: what he's planning on doing with the money, because, as

583
00:26:21,280 --> 00:26:23,080
Speaker 6: you said, three hundred thousand dollars is so much money,

584
00:26:23,119 --> 00:26:24,680
Speaker 6: and if he goes, oh, I don't want to share

585
00:26:24,720 --> 00:26:25,960
Speaker 6: it with the family. I don't want to go on

586
00:26:26,000 --> 00:26:27,760
Speaker 6: a holiday. I don't want to pay off the mortgage.

587
00:26:27,760 --> 00:26:29,640
Speaker 6: I don't want to do whatever with it, putting toward

588
00:26:29,680 --> 00:26:32,679
Speaker 6: school fees. What are you are you going to invest

589
00:26:32,720 --> 00:26:35,639
Speaker 6: it in which case? In which case is that income

590
00:26:35,720 --> 00:26:37,960
Speaker 6: going to come back? And you know, support the family

591
00:26:38,080 --> 00:26:40,960
Speaker 6: that way, Like are you spending three hundred thousand dollars

592
00:26:40,960 --> 00:26:44,080
Speaker 6: on a yacht? Like where are you planning on putting it?

593
00:26:44,080 --> 00:26:46,320
Speaker 6: If you don't want to share, it's kind of my question,

594
00:26:46,680 --> 00:26:46,920
Speaker 6: you know.

595
00:26:46,960 --> 00:26:49,120
Speaker 2: I find it wild. I do want to caveat this

596
00:26:49,320 --> 00:26:53,639
Speaker 2: before we continue the conversation. I do apologize. So I

597
00:26:53,760 --> 00:26:56,919
Speaker 2: used to work in wealth creation and my I guess

598
00:26:57,040 --> 00:27:00,600
Speaker 2: expertise was in inheritance, right, So I think it's really

599
00:27:00,640 --> 00:27:03,080
Speaker 2: important to point out that one, I know what we're

600
00:27:03,080 --> 00:27:05,280
Speaker 2: talking about when it comes to inheritance, but also to

601
00:27:05,600 --> 00:27:08,159
Speaker 2: nobody wants to get an inheritance. They would much prefer

602
00:27:08,240 --> 00:27:10,800
Speaker 2: to have that person back. And I think that it's

603
00:27:10,840 --> 00:27:13,399
Speaker 2: so important, especially when you know I was talking to

604
00:27:13,480 --> 00:27:15,960
Speaker 2: ex clients. I'd sit them down and be like, cool,

605
00:27:15,960 --> 00:27:18,160
Speaker 2: where did this money come from? And someone might go, oh,

606
00:27:18,200 --> 00:27:20,640
Speaker 2: it was from my mum's estate. I'd be like, tell

607
00:27:20,640 --> 00:27:22,359
Speaker 2: me about your mum. I want to learn more about

608
00:27:22,359 --> 00:27:25,640
Speaker 2: this human How do we honor this human being and

609
00:27:25,800 --> 00:27:28,719
Speaker 2: what they've left you to create a legacy, Like what

610
00:27:28,800 --> 00:27:31,480
Speaker 2: does that actually look like? Because for some people, you

611
00:27:31,560 --> 00:27:34,320
Speaker 2: might be inheriting, in this instance, three hundred thousand dollars.

612
00:27:34,680 --> 00:27:36,760
Speaker 2: For some people, it might be ten thousand dollars. For

613
00:27:36,840 --> 00:27:39,800
Speaker 2: others it might be millions. But that is still what

614
00:27:39,960 --> 00:27:42,800
Speaker 2: that person has left you in order to put you

615
00:27:42,800 --> 00:27:45,639
Speaker 2: in the best possible position beck when they can't be

616
00:27:45,720 --> 00:27:49,440
Speaker 2: there anymore. So I totally understand that there's always an

617
00:27:49,440 --> 00:27:53,880
Speaker 2: emotional connection to an inheritance, But I don't think I've

618
00:27:53,920 --> 00:27:56,040
Speaker 2: ever seen someone go, oh well, I don't want to

619
00:27:56,040 --> 00:27:57,520
Speaker 2: share it with my wife on a buy a car.

620
00:27:57,920 --> 00:28:02,800
Speaker 2: I'd just go, oh okay. Like to me, an inheritance

621
00:28:03,080 --> 00:28:05,800
Speaker 2: deserves to be honored, It deserves to have a lot

622
00:28:05,840 --> 00:28:08,560
Speaker 2: of thought put into it. It deserves to have the

623
00:28:08,680 --> 00:28:11,560
Speaker 2: opportunity to grow, because it's kind of like, you're never

624
00:28:11,600 --> 00:28:14,080
Speaker 2: going to come into three hundred thousand dollars again. How

625
00:28:14,080 --> 00:28:17,000
Speaker 2: do we put this to work so that it works

626
00:28:17,240 --> 00:28:19,480
Speaker 2: so hard for you so you don't have to So

627
00:28:19,520 --> 00:28:22,919
Speaker 2: I think let's just caveat a whole inheritance conversation with

628
00:28:23,520 --> 00:28:26,480
Speaker 2: everyone at this table that's having this conversation understands that

629
00:28:26,480 --> 00:28:29,800
Speaker 2: that's a really big responsibility. But now we're talking about

630
00:28:30,240 --> 00:28:33,000
Speaker 2: making a choice to not benefit the family and spend

631
00:28:33,000 --> 00:28:35,960
Speaker 2: it frivolously when you have financial responsibilities.

632
00:28:36,359 --> 00:28:37,000
Speaker 4: Totally.

633
00:28:37,119 --> 00:28:38,560
Speaker 5: I think when I was listening to that, I kind

634
00:28:38,560 --> 00:28:41,040
Speaker 5: of went it was a full emotional rollercoaster of At

635
00:28:41,080 --> 00:28:42,880
Speaker 5: first I was like, Wow, that's really bad, and then

636
00:28:42,920 --> 00:28:44,400
Speaker 5: I was like oh, and then I was like hmm,

637
00:28:44,560 --> 00:28:47,880
Speaker 5: and now I'm still like huh. And I think like,

638
00:28:48,240 --> 00:28:49,920
Speaker 5: and in my mind, I'm kind of thinking, like, if

639
00:28:49,920 --> 00:28:52,120
Speaker 5: the not to like bring gender into this at all,

640
00:28:52,120 --> 00:28:53,920
Speaker 5: Like I don't want to be that person. But let's

641
00:28:53,920 --> 00:28:56,720
Speaker 5: say it was reversed. If it was the wife, I'd

642
00:28:56,720 --> 00:29:00,120
Speaker 5: be like, Okay, maybe she wants that for financial like

643
00:29:00,160 --> 00:29:02,360
Speaker 5: a safety blanket of security in case she needs to

644
00:29:02,440 --> 00:29:04,960
Speaker 5: leave the relationship one day or whatever, which.

645
00:29:04,760 --> 00:29:07,840
Speaker 2: She has every right. Every single woman in the entire

646
00:29:07,880 --> 00:29:10,680
Speaker 2: world should have an emergency fund that sits separate from

647
00:29:10,680 --> 00:29:11,560
Speaker 2: their partner.

648
00:29:11,320 --> 00:29:14,600
Speaker 5: Totally, because I think like, historically, you know, women kind

649
00:29:14,600 --> 00:29:16,320
Speaker 5: of are worse off in this situation where there's like

650
00:29:16,320 --> 00:29:18,640
Speaker 5: a random, you know, a very sudden breakup or whatever.

651
00:29:18,720 --> 00:29:20,200
Speaker 4: But that's not what's happening here.

652
00:29:20,480 --> 00:29:24,000
Speaker 5: It does feel strange, especially because he's like I kind

653
00:29:24,040 --> 00:29:24,720
Speaker 5: of want to buy a car.

654
00:29:24,800 --> 00:29:26,720
Speaker 4: I'm like, oh, it feels like I want to say

655
00:29:26,760 --> 00:29:27,720
Speaker 4: this because oh.

656
00:29:27,640 --> 00:29:30,680
Speaker 2: Yeah, I want to put it in my super super investor.

657
00:29:30,720 --> 00:29:33,880
Speaker 6: I want to save it, like dollars, Like, you're not

658
00:29:33,920 --> 00:29:36,080
Speaker 6: buying a car for three hundred that's totally That's the

659
00:29:36,080 --> 00:29:38,360
Speaker 6: point that I was making before, Like what car costs

660
00:29:38,400 --> 00:29:39,600
Speaker 6: three hundred thousand dollars?

661
00:29:39,760 --> 00:29:42,320
Speaker 2: Exactly? I could name a few I can't afford them.

662
00:29:44,440 --> 00:29:46,960
Speaker 2: Is he finding on a Ferrari? You know what I mean?

663
00:29:47,000 --> 00:29:48,959
Speaker 2: Like we're not talking like you know, the man's day

664
00:29:49,080 --> 00:29:50,920
Speaker 2: x five. What are you gonna do with the Ferrari though?

665
00:29:50,960 --> 00:29:53,960
Speaker 5: Like, really, it's still gonna take you from A to B.

666
00:29:54,000 --> 00:29:55,680
Speaker 6: It's still going to take you to Woolling to do

667
00:29:55,720 --> 00:29:59,680
Speaker 6: the same thing my carreo exactly, it's basically for.

668
00:29:59,680 --> 00:30:02,520
Speaker 2: Us, I'm gonna drive it down Chapel Street to get

669
00:30:02,520 --> 00:30:05,000
Speaker 2: a new girlfriend. Because you've decided you don't like your

670
00:30:05,000 --> 00:30:07,200
Speaker 2: wife or your child. That's why you didn't spend any

671
00:30:07,240 --> 00:30:07,800
Speaker 2: money on them.

672
00:30:07,920 --> 00:30:11,040
Speaker 5: I mean, that's kind of what it's sounding like, right.

673
00:30:11,400 --> 00:30:14,120
Speaker 6: An interesting little addendum is like, even if he doesn't

674
00:30:14,160 --> 00:30:16,080
Speaker 6: choose to spend it on them, if he was to

675
00:30:16,200 --> 00:30:20,240
Speaker 6: leave her, technically depending on like that's depending on the

676
00:30:20,280 --> 00:30:23,880
Speaker 6: technicalities of their relationship, she's still entitled to it, so

677
00:30:23,920 --> 00:30:26,040
Speaker 6: it can't even my assumption would.

678
00:30:25,840 --> 00:30:27,640
Speaker 2: Be it is that depends on the structure. But yes,

679
00:30:27,720 --> 00:30:30,280
Speaker 2: let's just pretend this is really clean for a second.

680
00:30:30,360 --> 00:30:33,200
Speaker 6: Sure you're right, like she could still be in Yeah, sorry,

681
00:30:33,200 --> 00:30:36,480
Speaker 6: it's a big word, but yeah, technically if he was going, oh,

682
00:30:36,480 --> 00:30:37,880
Speaker 6: I don't want to give it to the family because

683
00:30:37,880 --> 00:30:39,440
Speaker 6: I want it to be mine. I don't want anyone

684
00:30:39,440 --> 00:30:42,200
Speaker 6: to have a chance of getting that money. I mean,

685
00:30:42,240 --> 00:30:43,920
Speaker 6: technically that's not how it's gonna work.

686
00:30:43,960 --> 00:30:45,840
Speaker 2: But also, why are you married to someone if that's

687
00:30:45,880 --> 00:30:48,760
Speaker 2: the case. It's like at the moment. So side note,

688
00:30:49,160 --> 00:30:51,000
Speaker 2: I don't know if I've told anybody, but I'm having

689
00:30:51,000 --> 00:30:54,680
Speaker 2: a baby surprise congratulations, Yes, oh, thank you. This is

690
00:30:54,680 --> 00:30:58,280
Speaker 2: a surprise to everybody. But I'm having lots of conversations

691
00:30:58,280 --> 00:31:01,720
Speaker 2: in my DMS about Victoria. What are you doing about

692
00:31:01,800 --> 00:31:04,480
Speaker 2: you know, maternity leave, and what are you doing about

693
00:31:04,520 --> 00:31:07,360
Speaker 2: you know, your superannuation while you're not contributing to that,

694
00:31:07,520 --> 00:31:10,520
Speaker 2: and obviously my plan is to continue to contribute to it.

695
00:31:10,560 --> 00:31:15,040
Speaker 2: Don't worry, I'm there. But it's this conversation around if

696
00:31:15,080 --> 00:31:17,800
Speaker 2: you and your partner, let's just pretend it's my circumstance.

697
00:31:17,880 --> 00:31:20,600
Speaker 2: If my husband and I were both PAYG employees and

698
00:31:20,640 --> 00:31:23,400
Speaker 2: I was stepping out of the workforce and my boss

699
00:31:23,440 --> 00:31:26,160
Speaker 2: didn't pay my super while I was out, I would

700
00:31:26,240 --> 00:31:30,560
Speaker 2: fully expect my husband to be contributing financially to my

701
00:31:30,680 --> 00:31:33,760
Speaker 2: super so that I'm not behind. And the reason is

702
00:31:33,800 --> 00:31:36,480
Speaker 2: not selfish. It's one there's a heap of tax benefits

703
00:31:36,640 --> 00:31:39,280
Speaker 2: to contributing to my super while I'm on matt Leaf

704
00:31:39,400 --> 00:31:42,840
Speaker 2: And you know that's quite sexy. But again, don't you

705
00:31:42,880 --> 00:31:46,200
Speaker 2: want your family as a whole to be financially stable,

706
00:31:46,960 --> 00:31:49,160
Speaker 2: Like the entire purpose of our marriage is not to

707
00:31:49,200 --> 00:31:51,920
Speaker 2: get a divorce, Like people don't get married to get divorced,

708
00:31:52,000 --> 00:31:54,800
Speaker 2: Like you get married when you've made this decision to

709
00:31:54,800 --> 00:31:57,440
Speaker 2: spend your entire life together. So to me, it would

710
00:31:57,440 --> 00:31:59,280
Speaker 2: be a red flag if my husband had turned around

711
00:31:59,280 --> 00:32:01,320
Speaker 2: and said, well, actually, I don't really want to contribute

712
00:32:01,320 --> 00:32:02,880
Speaker 2: to your stuper because what if you leave me one

713
00:32:02,920 --> 00:32:06,560
Speaker 2: day and we're both equal ill So I think, to me,

714
00:32:06,720 --> 00:32:09,520
Speaker 2: this reminds me of that where it's kind of like, well,

715
00:32:09,800 --> 00:32:13,000
Speaker 2: our family has come into you know, this wealth, We've

716
00:32:13,040 --> 00:32:15,680
Speaker 2: got this sum of money, and it could actually change

717
00:32:15,680 --> 00:32:17,920
Speaker 2: our lives and you're going, I don't really want you

718
00:32:17,960 --> 00:32:20,240
Speaker 2: to have it. That's a deeper red flag to me

719
00:32:20,320 --> 00:32:23,560
Speaker 2: that goes, well, I don't know. The second I have something,

720
00:32:24,000 --> 00:32:26,160
Speaker 2: I want to share it with my husband. I want

721
00:32:26,280 --> 00:32:28,400
Speaker 2: him to be happy, I want him to be better off.

722
00:32:28,600 --> 00:32:30,400
Speaker 2: The second I know he's having a bad date work,

723
00:32:30,440 --> 00:32:32,480
Speaker 2: I'm like, well, what can I do to make sure

724
00:32:32,520 --> 00:32:35,040
Speaker 2: that he's having a good day? The second he gets home, Like,

725
00:32:35,160 --> 00:32:37,960
Speaker 2: is that not what other people I need? For kid

726
00:32:38,000 --> 00:32:38,440
Speaker 2: as well?

727
00:32:38,480 --> 00:32:42,040
Speaker 6: I think gets extra complicated because you have a child together, Like, surely.

728
00:32:41,920 --> 00:32:44,800
Speaker 2: That is a massive financial responsibility.

729
00:32:44,160 --> 00:32:47,680
Speaker 6: To be financial responsibility, but also like surely, as a couple,

730
00:32:47,840 --> 00:32:50,640
Speaker 6: your ultimate goal is to put your child in a

731
00:32:50,640 --> 00:32:53,120
Speaker 6: position where they are healthy, they are well looked after.

732
00:32:53,520 --> 00:32:56,120
Speaker 6: You're setting them up financially for the future. And whether

733
00:32:56,160 --> 00:32:58,840
Speaker 6: that looks like sending them to a more expensive school,

734
00:32:58,920 --> 00:33:01,400
Speaker 6: or whether that looks like taking them traveling so they

735
00:33:01,440 --> 00:33:03,960
Speaker 6: get a better world perspective, or whether that looks like

736
00:33:04,000 --> 00:33:06,520
Speaker 6: putting it aside so they have a fund for when

737
00:33:06,560 --> 00:33:08,959
Speaker 6: they ten eighteen if they want to go to university

738
00:33:09,120 --> 00:33:09,840
Speaker 6: or whatever.

739
00:33:09,840 --> 00:33:12,360
Speaker 2: That's paying for their education full stop. End of story,

740
00:33:12,400 --> 00:33:15,000
Speaker 2: Like where's that coming from your quote share all your

741
00:33:15,040 --> 00:33:18,400
Speaker 2: financial costs. Is it not taking a burden off your

742
00:33:18,560 --> 00:33:21,360
Speaker 2: entire family to go all right, well, let's put x

743
00:33:21,400 --> 00:33:25,040
Speaker 2: amount aside for this five year old's education. What other

744
00:33:25,160 --> 00:33:27,440
Speaker 2: expenses are going to come up? Okay, well let's look

745
00:33:27,480 --> 00:33:29,600
Speaker 2: at our mortgage. What does that look like should we

746
00:33:29,640 --> 00:33:31,520
Speaker 2: be putting You know, at the end of the day,

747
00:33:31,560 --> 00:33:34,040
Speaker 2: you might be saying, you know, I don't know, I'm

748
00:33:34,040 --> 00:33:36,320
Speaker 2: just clutching at straws hoping that it's a better situation

749
00:33:36,360 --> 00:33:39,480
Speaker 2: than it is. Maybe this person actually has analysis paralysis

750
00:33:39,560 --> 00:33:42,480
Speaker 2: and doesn't want, you know, his wife making decisions on

751
00:33:42,520 --> 00:33:44,720
Speaker 2: the money because he's not ready to make decisions on

752
00:33:44,760 --> 00:33:46,960
Speaker 2: the money. In which case, can we just put it

753
00:33:46,960 --> 00:33:49,120
Speaker 2: in an offset account and not make a decision about it,

754
00:33:49,120 --> 00:33:52,440
Speaker 2: so at least it's offsetting our mortgage and the interest

755
00:33:52,520 --> 00:33:54,360
Speaker 2: we're paying on that because interest rates at the moment

756
00:33:54,360 --> 00:33:56,760
Speaker 2: are cooked, and then you can make a decision in

757
00:33:56,760 --> 00:33:59,120
Speaker 2: twelve months once you feel more comfortable with it. Because

758
00:33:59,120 --> 00:34:02,160
Speaker 2: at the end of the day, inheritance can make people uncomfortable.

759
00:34:02,560 --> 00:34:04,400
Speaker 2: Is this like kind of a facade of like, oh,

760
00:34:04,440 --> 00:34:06,240
Speaker 2: I don't want you to have it there because I

761
00:34:06,280 --> 00:34:08,560
Speaker 2: want to keep it for me. But that's because they

762
00:34:08,560 --> 00:34:10,000
Speaker 2: don't know what they want to do with it yet

763
00:34:10,000 --> 00:34:12,520
Speaker 2: and don't want to waste it. Yeah, in a perfect world,

764
00:34:12,520 --> 00:34:13,359
Speaker 2: that's what's going on.

765
00:34:13,800 --> 00:34:16,560
Speaker 5: Sure, but like hypothetically, if that's I would say, obviously,

766
00:34:16,600 --> 00:34:18,600
Speaker 5: like have a chat with your husband if that's not

767
00:34:18,640 --> 00:34:20,399
Speaker 5: what's going on and he just doesn't want to spend

768
00:34:20,400 --> 00:34:22,839
Speaker 5: it on you guys because he red flag. Pabby, that's

769
00:34:22,840 --> 00:34:25,560
Speaker 5: a red flag, and maybe reconsider what you're doing.

770
00:34:25,960 --> 00:34:29,319
Speaker 2: Yeah, Like I totally understand allocating some of it to

771
00:34:29,640 --> 00:34:32,840
Speaker 2: you know, I don't know, maybe treat yourself exactly. So

772
00:34:33,120 --> 00:34:35,439
Speaker 2: we don't know where this inheritance has come from. Let's

773
00:34:35,520 --> 00:34:37,359
Speaker 2: pretend for a hot second it comes from his dad

774
00:34:37,400 --> 00:34:40,320
Speaker 2: and they were both petrol heads. Maybe buying a car

775
00:34:40,360 --> 00:34:42,799
Speaker 2: with that is something that is honoring his dad and

776
00:34:42,920 --> 00:34:46,840
Speaker 2: makes him feel more connected. Fantastic, But let's have that

777
00:34:46,960 --> 00:34:50,360
Speaker 2: conversation in a way that is constructive while not sacrificing

778
00:34:50,400 --> 00:34:53,560
Speaker 2: the future wealth creation of your family. Yes, because right now,

779
00:34:53,640 --> 00:34:57,040
Speaker 2: the opportunity is financial stability is sitting right in front

780
00:34:57,040 --> 00:35:01,520
Speaker 2: of you, and you're choosing to not yes, engage with that,

781
00:35:01,880 --> 00:35:05,399
Speaker 2: which makes me frustrated. Let's look at what we ask

782
00:35:05,480 --> 00:35:07,720
Speaker 2: the community. So I asked the community, if your partner

783
00:35:07,760 --> 00:35:10,440
Speaker 2: received this inheritance, would you expect them to share it

784
00:35:10,440 --> 00:35:13,640
Speaker 2: with you? Seventy eight percent of you said yes, absolutely,

785
00:35:14,160 --> 00:35:17,600
Speaker 2: twenty two percent of you said no, sure. If yes,

786
00:35:18,000 --> 00:35:21,839
Speaker 2: what is your relationship status, So if you're expecting your

787
00:35:21,880 --> 00:35:24,560
Speaker 2: partner to share this with you, thirty seven percent of

788
00:35:24,600 --> 00:35:26,880
Speaker 2: you said we live together, thirty five percent of you

789
00:35:26,920 --> 00:35:29,759
Speaker 2: said we're married, and twenty eight percent of you said

790
00:35:29,840 --> 00:35:33,359
Speaker 2: we're married and have children together, which I'm surprised about

791
00:35:33,400 --> 00:35:36,279
Speaker 2: because the highest amount of people expecting that to be

792
00:35:36,320 --> 00:35:38,880
Speaker 2: shared is not married people with children. It's actually just

793
00:35:38,880 --> 00:35:41,840
Speaker 2: people who live together. Yeah, so that construct, to me

794
00:35:41,960 --> 00:35:44,800
Speaker 2: is not as deep as having a massive financial commitment

795
00:35:44,880 --> 00:35:48,320
Speaker 2: like a child. The next, do you think it's selfish

796
00:35:48,400 --> 00:35:51,120
Speaker 2: for your husband to spend all this money on himself?

797
00:35:52,040 --> 00:35:55,040
Speaker 2: Twenty one percent of you said no, he's allowed to

798
00:35:55,040 --> 00:35:58,000
Speaker 2: buy himself a car and whatever else he wants. Okay,

799
00:35:58,880 --> 00:36:02,440
Speaker 2: seventy nine percent said yes absolutely, one hundred percent should

800
00:36:02,440 --> 00:36:04,640
Speaker 2: share this with his family, which I don't think we

801
00:36:04,920 --> 00:36:08,560
Speaker 2: are surprised by. Yeah, and those stats line up with

802
00:36:08,719 --> 00:36:11,560
Speaker 2: the stats that we got prior. And then we said,

803
00:36:11,840 --> 00:36:14,480
Speaker 2: what's your two cents. And this is always my favorite

804
00:36:14,520 --> 00:36:17,319
Speaker 2: part because people are savage because they know I'm never

805
00:36:17,320 --> 00:36:19,759
Speaker 2: going to out them, like I will never out you

806
00:36:19,880 --> 00:36:23,080
Speaker 2: if you have dmd US. In response to one of

807
00:36:23,080 --> 00:36:26,319
Speaker 2: our spicy questions, that's not on, you're safe here, someone

808
00:36:26,360 --> 00:36:31,320
Speaker 2: said hundred percent divorce. Someone said divorce, divorce, divorce. Someone

809
00:36:31,360 --> 00:36:34,120
Speaker 2: said you can buy yourself something nice with inheritance and

810
00:36:34,239 --> 00:36:37,320
Speaker 2: still share a lot of that with your family. Someone

811
00:36:37,320 --> 00:36:39,359
Speaker 2: else said, sure, go buy yourself in your car if

812
00:36:39,400 --> 00:36:42,319
Speaker 2: you want, but if they share all other finances, it

813
00:36:42,360 --> 00:36:45,000
Speaker 2: seems very odd that he's planning to keep it all.

814
00:36:46,040 --> 00:36:48,880
Speaker 2: Someone said there must be a reason why he won't share.

815
00:36:49,120 --> 00:36:52,440
Speaker 2: Is there an underlying issue? We're not provy too. Yeah,

816
00:36:52,440 --> 00:36:56,320
Speaker 2: that's kind of my question too. Someone said how gd route.

817
00:36:57,600 --> 00:36:59,719
Speaker 2: He has a child and a wife, but he wants

818
00:36:59,760 --> 00:37:02,359
Speaker 2: to keep three hundred k to himself. Why and then

819
00:37:02,400 --> 00:37:04,160
Speaker 2: there's three red flag emojis?

820
00:37:04,560 --> 00:37:05,239
Speaker 4: Yeah.

821
00:37:05,360 --> 00:37:07,160
Speaker 2: Someone else said he should be able to make a

822
00:37:07,160 --> 00:37:09,759
Speaker 2: big purchase like a car, but needs to use the

823
00:37:09,760 --> 00:37:13,560
Speaker 2: rest to support his family. Someone else said, not fair

824
00:37:13,600 --> 00:37:16,919
Speaker 2: to share all other finances except for this. You set

825
00:37:16,920 --> 00:37:21,520
Speaker 2: an expectation that you need to stick to. Someone said, actually,

826
00:37:21,719 --> 00:37:24,760
Speaker 2: I just inherited two hundred thousand dollars. I have a partner,

827
00:37:24,760 --> 00:37:27,440
Speaker 2: but we don't have children. I plan on investing the

828
00:37:27,520 --> 00:37:32,279
Speaker 2: whole amount for myself. Okay, but that's wealth creation. Yeah yeah, yeah,

829
00:37:32,360 --> 00:37:36,239
Speaker 2: totally so I kind of see that as Obviously, this

830
00:37:36,320 --> 00:37:39,399
Speaker 2: goes back to honoring the money that comes into your

831
00:37:39,520 --> 00:37:42,920
Speaker 2: hands when it is significant, and like, to me, significant

832
00:37:42,960 --> 00:37:45,880
Speaker 2: is anything above a dollar, Like we're not talking about

833
00:37:45,920 --> 00:37:47,759
Speaker 2: you know, you have to have hundreds of thousands of

834
00:37:47,840 --> 00:37:50,440
Speaker 2: dollars in an inheritance to honor it. In fact, I

835
00:37:50,440 --> 00:37:53,239
Speaker 2: feel like it can be quite freeing to people to

836
00:37:53,920 --> 00:37:57,799
Speaker 2: realize what an inheritance actually means, because often we can

837
00:37:57,840 --> 00:38:02,200
Speaker 2: feel overwhelmed or guilty about receiving so much wealth. Like

838
00:38:02,239 --> 00:38:04,160
Speaker 2: if you've never come into that money and one day

839
00:38:04,200 --> 00:38:06,600
Speaker 2: I said, hey, Beck, he's a million dollars because someone

840
00:38:06,680 --> 00:38:09,719
Speaker 2: very close to you has passed away yesterday, you might

841
00:38:09,760 --> 00:38:12,560
Speaker 2: go I don't deserve this, I don't want this, Like

842
00:38:12,600 --> 00:38:14,799
Speaker 2: this is overwhelming. I've never dealt with this amount of

843
00:38:14,800 --> 00:38:18,160
Speaker 2: money in my life. But we really need to reframe

844
00:38:18,200 --> 00:38:21,799
Speaker 2: it and go, this is that person looking after you

845
00:38:21,880 --> 00:38:24,279
Speaker 2: when they can't be there in person. How do we

846
00:38:25,200 --> 00:38:27,680
Speaker 2: make sure that you're in the best possible position. So

847
00:38:27,800 --> 00:38:30,120
Speaker 2: I'm not mad if someone says I'm actually going to

848
00:38:30,160 --> 00:38:33,280
Speaker 2: invest the full amount, because if you stay with your partner,

849
00:38:34,000 --> 00:38:38,000
Speaker 2: that ultimately is going to support them into retirement as well,

850
00:38:38,040 --> 00:38:40,359
Speaker 2: whether it's in your name or their name. Like, I

851
00:38:40,360 --> 00:38:43,439
Speaker 2: don't think it necessarily has to be split, especially when

852
00:38:43,480 --> 00:38:46,200
Speaker 2: it is an inheritance. In fact, I often used to

853
00:38:46,239 --> 00:38:50,160
Speaker 2: push to put inheritances. Obviously this is not financial advice,

854
00:38:50,360 --> 00:38:53,160
Speaker 2: but into a trust so that it could be protected

855
00:38:53,200 --> 00:38:55,600
Speaker 2: for you because that person who passed away that sent

856
00:38:55,680 --> 00:38:57,880
Speaker 2: it to you, they wanted back to have it. They

857
00:38:57,920 --> 00:39:00,120
Speaker 2: didn't want, you know, somebody else to split it and

858
00:39:00,160 --> 00:39:04,360
Speaker 2: it to be dispersed. But that's if everything goes south.

859
00:39:04,719 --> 00:39:08,240
Speaker 2: In the interim. You're creating family wealth, you have joint assets,

860
00:39:08,280 --> 00:39:11,640
Speaker 2: and it's you know, working towards a secure financial future.

861
00:39:12,040 --> 00:39:13,600
Speaker 2: Saying well, I don't want to share with you, beck,

862
00:39:13,680 --> 00:39:16,000
Speaker 2: I actually want to buy a car feels like a

863
00:39:16,040 --> 00:39:19,240
Speaker 2: different story. Yeah, I'll do two or three more because

864
00:39:19,280 --> 00:39:21,960
Speaker 2: I just find this so spicy. Someone said, I just

865
00:39:21,960 --> 00:39:24,280
Speaker 2: don't understand why I wouldn't want to share with his people.

866
00:39:24,480 --> 00:39:25,560
Speaker 2: Aren't they he's loved once?

867
00:39:26,160 --> 00:39:26,560
Speaker 6: Yeah?

868
00:39:26,600 --> 00:39:27,040
Speaker 4: True?

869
00:39:27,280 --> 00:39:29,600
Speaker 2: Someone said he can buy himself a car and still

870
00:39:29,600 --> 00:39:31,719
Speaker 2: be able to put money aside for his family. Why

871
00:39:31,760 --> 00:39:33,120
Speaker 2: isn't he phrasing it that way?

872
00:39:33,280 --> 00:39:37,880
Speaker 6: That's my thought, Like you said, honor the money. I

873
00:39:37,920 --> 00:39:40,440
Speaker 6: don't think you should necessarily have to give everything away.

874
00:39:40,560 --> 00:39:42,719
Speaker 6: But it is crazy to me that it's not even

875
00:39:42,760 --> 00:39:45,440
Speaker 6: a conversation that's been tabled from what we've been told.

876
00:39:45,640 --> 00:39:48,000
Speaker 2: Yeah, and last one I'm going to read out, which

877
00:39:48,040 --> 00:39:50,040
Speaker 2: I think is you know, I think on the same

878
00:39:50,200 --> 00:39:52,840
Speaker 2: page as everyone at this table is I think it

879
00:39:52,880 --> 00:39:55,200
Speaker 2: really comes back to the mindset of actually being a

880
00:39:55,239 --> 00:39:58,000
Speaker 2: team and a partner in finances. This doesn't feel like

881
00:39:58,040 --> 00:40:01,040
Speaker 2: he's being a team player. Yeah, that's so accurate, And

882
00:40:01,080 --> 00:40:02,800
Speaker 2: I feel like that just hits in a nail on

883
00:40:02,840 --> 00:40:04,960
Speaker 2: the head right now. The person who's written into us

884
00:40:05,080 --> 00:40:06,840
Speaker 2: is going, I don't feel like my partner's being a

885
00:40:06,880 --> 00:40:10,279
Speaker 2: team player, like we're a family. This doesn't feel like

886
00:40:10,400 --> 00:40:12,640
Speaker 2: something a family would do, And I feel like that's

887
00:40:12,680 --> 00:40:17,120
Speaker 2: really reasonable. To be honest, my advice is go to therapy. Yeah. Yeah,

888
00:40:17,200 --> 00:40:19,640
Speaker 2: Like it's a bit savage, but at the end of

889
00:40:19,680 --> 00:40:23,840
Speaker 2: the day, I think there are definitely deeper seated issues

890
00:40:23,920 --> 00:40:27,200
Speaker 2: in this and talking it out between the two of you.

891
00:40:27,360 --> 00:40:29,200
Speaker 2: I don't think is a good idea. You need a

892
00:40:29,760 --> 00:40:32,759
Speaker 2: you know, non biased third party to sit and go well, Beck,

893
00:40:32,760 --> 00:40:35,040
Speaker 2: why do you feel that way about Victoria? Like, you know,

894
00:40:35,200 --> 00:40:38,680
Speaker 2: don't you have financial commitments and vice versa, because we

895
00:40:38,760 --> 00:40:41,720
Speaker 2: don't know a lot of this circumstance. Let's be honest,

896
00:40:42,360 --> 00:40:44,279
Speaker 2: we are missing so much context, and I feel like

897
00:40:44,280 --> 00:40:47,960
Speaker 2: every time we have these DMS, I'm always like context, context, context.

898
00:40:48,080 --> 00:40:52,760
Speaker 2: But imagine if the context that we're missing is she's

899
00:40:52,800 --> 00:40:56,799
Speaker 2: from a multi millionaire family and has already inherited lots

900
00:40:56,800 --> 00:40:59,960
Speaker 2: of money prior to meeting him. She's super financially stable,

901
00:41:00,239 --> 00:41:02,319
Speaker 2: never has to work a day in her life. He

902
00:41:02,560 --> 00:41:05,120
Speaker 2: is working and comes into three hundred grand and goes

903
00:41:05,400 --> 00:41:07,520
Speaker 2: she doesn't need it. We can afford all our bills,

904
00:41:07,560 --> 00:41:10,840
Speaker 2: we can afford everything. I want to spend this on me? Yeah?

905
00:41:10,880 --> 00:41:15,080
Speaker 2: At which point would that change your answers around the table? Absolutely? So, yeah,

906
00:41:15,120 --> 00:41:17,440
Speaker 2: exactly So. We might be missing a lot of context,

907
00:41:17,520 --> 00:41:19,480
Speaker 2: but we've tried as hard as we can to be

908
00:41:20,200 --> 00:41:22,879
Speaker 2: fair and reable with what you gave us.

909
00:41:23,200 --> 00:41:24,720
Speaker 4: Absolutely, there you go.

910
00:41:24,719 --> 00:41:26,440
Speaker 2: Which I think is a very good place to leave it,

911
00:41:26,480 --> 00:41:28,719
Speaker 2: to be honest, because we could just keep making up

912
00:41:28,920 --> 00:41:31,279
Speaker 2: scenarios that make no sense and see what we think

913
00:41:31,280 --> 00:41:33,520
Speaker 2: about those two. But I think that is all we

914
00:41:33,600 --> 00:41:36,240
Speaker 2: have time for this week. Guys, it has been a pleasure.

915
00:41:36,320 --> 00:41:40,040
Speaker 2: I'm so glad the band is back together. We'll see

916
00:41:40,040 --> 00:41:42,040
Speaker 2: you right in early on Monday for a money diary.

917
00:41:42,080 --> 00:41:43,920
Speaker 2: Till then, have the best weekend ever. We love you,

918
00:41:44,080 --> 00:41:53,440
Speaker 2: by guys. By The advice shared on She's on the

919
00:41:53,480 --> 00:41:56,200
Speaker 2: Money is general in nature and does not consider your

920
00:41:56,239 --> 00:42:01,239
Speaker 2: individual circumstances. She's on the Money exists purely educational purposes

921
00:42:01,280 --> 00:42:03,680
Speaker 2: and should not be relied upon to make an investment

922
00:42:03,800 --> 00:42:06,560
Speaker 2: or financial decision. If you do choose to buy a

923
00:42:06,600 --> 00:42:10,680
Speaker 2: financial product, read the PDS TMD and obtain appropriate financial

924
00:42:10,719 --> 00:42:14,640
Speaker 2: advice tailored towards your needs. Victoria Divine and Sheese on

925
00:42:14,680 --> 00:42:18,920
Speaker 2: the Money are authorized representatives of Money Sherper Pty Ltd

926
00:42:19,160 --> 00:42:21,960
Speaker 2: a BN three two one IS six four nine two

927
00:42:22,000 --> 00:42:25,879
Speaker 2: seven seven zero eight AFSL four five one two eight

928
00:42:25,960 --> 00:42:28,360
Speaker 2: nine