Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money, the podcast
Speaker 2: Millennials who want Financial Freedom. Today, my friends, is Friday,
Speaker 2: which means it is time to get our team back
Speaker 2: together finally to celebrate you how incredible She's on the
Speaker 2: Money community. Today, we're going to be sharing jess his
Speaker 2: favorite money wins Beck is going to be back with
Speaker 2: her Broke Broke tips. We're also going to be helping
Speaker 2: to answer a juicy money dilemma, which this week is
Speaker 2: all about the best savings account for your future house deposit.
Speaker 2: And I'm excited for this one because it's a little
Speaker 2: bit spicy. We're going to be unpacking something that you
Speaker 2: slid into our damns about which this week we're talking
Speaker 2: about a husband who doesn't want to share his inheritance
Speaker 2: with the rest of his family. Guys, I think it's
Speaker 2: going to be a spicy one. But we haven't been
Speaker 2: in the same room for the truly weeks. Beck, how
Speaker 2: are you?
Speaker 4: Oh my gosh, I really missed you. Guys.
Speaker 5: Can you believe this has been like a a few weeks,
Speaker 5: three weeks, three.
Speaker 6: Weeks familiar month because you were sick.
Speaker 5: I see, of course I forgot about that, and don't
Speaker 5: be scared. But I'm still a little bit unwell. But
Speaker 5: everyone is safe a couple of This is so cool.
Speaker 5: I'm so happy to be bad and I'm sure off
Speaker 5: air will talk more about your American experience.
Speaker 4: But is all very exciting. We're all back.
Speaker 5: Here and everything's been great. I'm wonder if there's any
Speaker 5: news for you. I've just been working my life away.
Speaker 5: There was some exciting things, obviously, been Halloween and stuff parties.
Speaker 5: I saw two fans in the wild and Live and
Speaker 5: they came up to me and said that you're back
Speaker 5: from sches and the money and this is never happy before,
Speaker 5: and it made my whole life.
Speaker 2: Isn't it so wholesome?
Speaker 4: I love love, love, love love this.
Speaker 5: If you think that, I don't want to be bothered
Speaker 5: out in the street see me, because.
Speaker 2: They're like, it's so. I don't know if this is strange,
Speaker 2: but it's like meeting friends that you just forgot the
Speaker 2: name of, if that makes sense, Like you already feel
Speaker 2: like you know them because you have to, like arguably
Speaker 2: something really deep in common.
Speaker 3: I don't know.
Speaker 6: It's very cool.
Speaker 4: Yes, it's so cool.
Speaker 5: But look, other than that, I've just been chilling. I'm
Speaker 5: really happy that you are.
Speaker 1: You're here.
Speaker 4: We're all weird, just so nice.
Speaker 2: Miss Jessici. You returned from Mexico earlier this week. How's
Speaker 2: did you lack? A bit rough? But that's okay. I
Speaker 2: hadn't been really good sleep on the plane. Thankfully. I've
Speaker 2: got a little cozy mud United bed, which was a dream. Yeah, Couzbeck.
Speaker 2: She flew business class home.
Speaker 1: Oh that's nice, fancy.
Speaker 2: I remember a couple of weeks ago I said to
Speaker 2: her on the pod, I was like, by the way,
Speaker 2: we're flying business and it was like surprising her for
Speaker 2: a domestic flight to Queens last then you got to
Speaker 2: fly to the US with United in business and home.
Speaker 7: We're going to teach everybody the hacks for how to
Speaker 7: do it with points. So keep your eye out because, honestly,
Speaker 7: as someone who has never done that before, I now
Speaker 7: understand why people spend. Like I don't have the money
Speaker 7: to spend on it, but you have the points.
Speaker 2: You're like the points Queen.
Speaker 7: I love a point and I understand why people do
Speaker 7: because I slept for eleven hours on my fifteen hour flight.
Speaker 6: Whoa eleven hours straight?
Speaker 7: Literally Like I woke up a little bit and I
Speaker 7: was like, I could go back to sleep. Do I
Speaker 7: really want to do I really want to stay awake
Speaker 7: and sit there and do we nothing. I was like, no,
Speaker 7: I don't, And I went back and I had another
Speaker 7: bit more of a snooze and ice cream Sunday on
Speaker 7: the plane.
Speaker 6: They had it in Beck on the way over. Was
Speaker 6: it the same on the way back?
Speaker 2: Yeah? Okay, So on the way over beck on the
Speaker 2: plane they had a Sunday bar. Like it wasn't like,
Speaker 2: oh can I just get you an ice cream? It
Speaker 2: was like this guy his name was Andre. He was
Speaker 2: like the best. He was our favorite flight attendant ever.
Speaker 2: I'm really sorry to every other flight attendant we've ever
Speaker 2: flown with, but he was like would you say he
Speaker 2: was like an older French guy.
Speaker 4: Yeah, he was a slave.
Speaker 2: He was my favorite person ever. But he came around
Speaker 2: with the Sunday bar. It was like different types of
Speaker 2: ice creams, different types of toppings. He had chocolate sauce,
Speaker 2: he had caramel sauce, he had strawberry, he had like sprinkles,
Speaker 2: he had the little Maraschino cherries. Okay, and he goes
Speaker 2: to Jessica, what do you want? Just as like, I
Speaker 2: don't know, it's so overwhelming. He's like, can I make
Speaker 2: you my special? And Jess is like absolutely, and he
Speaker 2: just makes her this massive ice cream Sunday.
Speaker 6: I've never seen happier. It was amazing. Dream so really excited.
Speaker 7: We're going to be making some content coming up soon
Speaker 7: sharing how you guys can do that with Points, because
Speaker 7: let's be honest, none of us want to pay.
Speaker 6: I'm not paying full price for that, but did you
Speaker 6: do it for free?
Speaker 2: Sign me right up there, and Jess is arguably the
Speaker 2: Points queen, right yeah, Okay, We've got her to dip
Speaker 2: her toes in the water. I think that's what she's
Speaker 2: going to be spending all of her points on in
Speaker 2: the future.
Speaker 4: Okay, this is I want to I love her tuning.
Speaker 6: How are you feeling VD tired?
Speaker 2: Very pregnant? Yes, very pregnant. I'm definitely not about to pop.
Speaker 2: Please don't wish that on me just yet. But it's
Speaker 2: funny over the last few weeks, especially traveling internationally, I'm like, oh,
Speaker 2: I have a lot less lung capacity than I remember.
Speaker 7: That's okay, you're very speedy for a pregnant woman trying
Speaker 7: to keep up with you.
Speaker 6: Sometimes when you walk.
Speaker 2: That's because you walk at this nails pace Jessica.
Speaker 6: Honestly, I swear Jes just dordles. I like to look
Speaker 6: at the world. She dearly dellies. But that's what you get, right.
Speaker 2: So we traveled with jess, We traveled with Gabby, and
Speaker 2: then myself and Brooke, and myself and Brooke both have
Speaker 2: diagnosed davy HD, And then Jess and Gabby I just neurotypical,
Speaker 2: Like they're just normal gowls working around living their life. Sure,
Speaker 2: Brook and I got a mission.
Speaker 6: We got to go.
Speaker 2: We're gonna go up the front, and so Brooke and
Speaker 2: I would speed off and then be like, oh where
Speaker 2: are the girls?
Speaker 4: And that mission will change a million times.
Speaker 6: I imagine, oh, I saw a squirrel, were going that way.
Speaker 2: I wish that was just a good example, but that's
Speaker 2: actually what happened in Central Park.
Speaker 6: And it was so good.
Speaker 7: If you guys haven't seen, definitely head to our instagram
Speaker 7: because we put a heap of really fun little recap videos.
Speaker 7: We're doing a new series called The Price Is Right,
Speaker 7: which has been super fun.
Speaker 2: This week we filmed the Prices Right video Jess, where
Speaker 2: did we film that?
Speaker 6: From a hot air balloon over Melbourne?
Speaker 2: Over Melbourne seven eleven took us on their maiden voyage
Speaker 2: of their hot air balloon that they have just instated,
Speaker 2: and we had some coffees in the sky. But also
Speaker 2: Jess was like, let's do the Price is Right on
Speaker 2: this Melbourne icon and I was just like, genius.
Speaker 7: That's everybody at home, Price is right? How much do
Speaker 7: you think it costs to build the Melbourne I the
Speaker 7: big Ferris Wheelfing and then head to our instagram to
Speaker 7: learn the answer. Because we had a bunch of community
Speaker 7: members with us on the balloon, which was so fun
Speaker 7: and they all guessed and the.
Speaker 6: Price rangers were actually hilarious. So what do you think
Speaker 6: the price is right? How much you think it costs
Speaker 6: to build the mel And I.
Speaker 5: If I feel like I heard this somewhere ages ago
Speaker 5: and I remember it being tantable, but I don't remember
Speaker 5: the exact price.
Speaker 4: I'm going to say two million, two million.
Speaker 6: Okay, it's a little bit. Let's move on.
Speaker 2: Let's move on. I want to get onto my favorite
Speaker 2: part of the show, Miss Jessic gotchi. What have you
Speaker 2: got when it comes to money wins and confessions? This week?
Speaker 1: All right?
Speaker 6: This week?
Speaker 7: My first money win comes from Emma, who said I
Speaker 7: had my baby shower on the weekend, and instead of
Speaker 7: gifts that I don't need, I asked for cash and
Speaker 7: gift cards that I will contribute to our first holiday
Speaker 7: as a fair four.
Speaker 2: Oh that's actually.
Speaker 7: Really really smart, right, you just wouldn't think about it.
Speaker 2: I've been on the fence about a baby shower because
Speaker 2: I'm kind of like, oh do I meet it?
Speaker 4: Like, I don't know, maybe celebration.
Speaker 2: Well, I was gonna ask everybody to bring a book
Speaker 2: oh that I like, build baby's first library, and then
Speaker 2: I don't want you to bring a card. I want
Speaker 2: you to write in the front of the book for Bambino.
Speaker 4: I love that.
Speaker 2: I think that'll be cute. But I like that idea
Speaker 2: better because I like a holiday, So maybe I'll just
Speaker 2: give it.
Speaker 6: It's going to cost you a bit more than a
Speaker 6: book this time.
Speaker 7: Back next, I've got a money in from Sofia, who said,
Speaker 7: I've been wanning a diceon air up for a long time,
Speaker 7: but I could not justify at nine hundred and fifty dollars.
Speaker 6: I can't believe that I hundred.
Speaker 2: Fifty dollars now, I'm sorry, but that was the best invention.
Speaker 2: I am obsessed with the thing, the air app. Oh,
Speaker 2: we're in a committed relationship. Bet we do love an
Speaker 2: air up in this office.
Speaker 7: It does it blow, drives, it curls, it does it
Speaker 7: all as well for attachment anyway, Sophia said, I found
Speaker 7: it for six hundred and fifty dollars on catch of
Speaker 7: the day, and then I compacted Dyson and they were
Speaker 7: happy to.
Speaker 6: Price match money.
Speaker 7: We It was also my birthday and my family decided
Speaker 7: to contribute towards the air rap as a gift. So
Speaker 7: after all, it just cost me one hundred and fifty
Speaker 7: bucks money.
Speaker 4: And Happy birthday, Sophia, Happy birthday.
Speaker 6: Happy birthday. Enjoy your air rap. I know this isn't sponsored.
Speaker 6: I'm just obsessed.
Speaker 7: Next, I've got money in from Innes who said I
Speaker 7: ended up not buying anything in click Frenzy.
Speaker 6: Oh very goodly, snaps to you, queen.
Speaker 4: Good for you.
Speaker 7: Next one from Caitlin who said I've got five hundred
Speaker 7: dollars to spend on Christmas expenses after saving my fly
Speaker 7: Lives points all year. I am stoked with myself and
Speaker 7: she had a little screenshot of a flyby that's actually genius.
Speaker 7: She has one hundred and two thousand points. Oh, well done, queen,
Speaker 7: well done.
Speaker 2: I have been hoarding my shop back rewards, Jess, and
Speaker 2: because we've traveled a fair bit over the last few months,
Speaker 2: I have like nearly nine hundred and fifty in shopback rewards.
Speaker 2: There this moment is going to be cashing out and
Speaker 2: buying presents with Jean.
Speaker 6: Yes, well done you.
Speaker 7: If anyone doesn't have shot back, don't forget. They increased
Speaker 7: our cove, they increased own I don't I think I've
Speaker 7: said this on the podcast, so I don't think you've
Speaker 7: said that to me before. Fy SotM twenty gives you
Speaker 7: twenty bucks when you sign up what it used to
Speaker 7: be ten?
Speaker 6: Yeah, no, double double money in.
Speaker 2: Can I unsign up and then re sign up for
Speaker 2: my twenty bucks, you might have to give up your
Speaker 2: nine hundred dollars, So I don't know if that makes sense.
Speaker 2: I will not be doing worth it, worth it whatever.
Speaker 6: Next.
Speaker 7: I've got two money wins that are the kind of
Speaker 7: the same. So I have one from Maddie who said
Speaker 7: I arrived at six thirty am at the new LSKD
Speaker 7: store opening in Melbourne on Saturday and scored myself some
Speaker 7: free tights. And then Gabrielle was also in that line
Speaker 7: because she said LSKD tights swap. I got three hundred
Speaker 7: dollars types at the new Melbourne Central store opening on
Speaker 7: the weekend slay. I was really sad that I was
Speaker 7: on a plane when they opened because I would have
Speaker 7: been in that line, which.
Speaker 6: You guys LSKD tights before. We love them, They're so
Speaker 6: so good and I have them. Huh. She's literally wearing
Speaker 6: them right now. She's literally wearing them. And look what
Speaker 6: does her shirt say?
Speaker 8: Oh you got before we move on, could we please
Speaker 8: get a clip of that Jessica throwing her leg in
Speaker 8: the air mid podcast and just share that with the
Speaker 8: rest of the pod community.
Speaker 6: I think they need to see. Don't cut this part
Speaker 6: out of the podcast to our Instagram. I put it
Speaker 6: on there.
Speaker 7: Oh god, last they have the money from ANALYSI he said,
Speaker 7: I cooked my daughter her first birthday cake. I saved
Speaker 7: some money. Cake can be so expensive and it turned
Speaker 7: out really great. Thanks to YouTube for the extra tips.
Speaker 6: And you know, we love a little pitchy. That's so nice.
Speaker 7: It's got some butter moments. Yeah, the buttercream looks stunning.
Speaker 7: That's amazing what you can learn to do on YouTube.
Speaker 4: Yeah, seriously.
Speaker 2: I also just don't I don't know. This is another
Speaker 2: spicy Victoria to my opinion. We all know that I
Speaker 2: love a party.
Speaker 6: Yeah, like it is.
Speaker 2: I would love to think that I'm Queen of the party.
Speaker 6: Love a cake.
Speaker 2: When I have this baby, it will be getting Cole's
Speaker 2: mud cakes. They don't know the difference, right, Like when
Speaker 2: you're one, Like you don't get a Barbie masterpiece.
Speaker 6: No, you're not going to appreciate.
Speaker 4: I'm not gonna appreciate it.
Speaker 6: You are one.
Speaker 2: He is a Cole's mud cake with a candle in it, just.
Speaker 7: Like my favorite is parents for like the first couple
Speaker 7: of like birthdays and Christmases. When you just go, oh,
Speaker 7: that toy I gave you six months ago.
Speaker 6: Wrapped up under the tree, You're not gonna know. That's
Speaker 6: gonna be me kitchen towel, Merry Christmas.
Speaker 4: Yes, if they're.
Speaker 2: Obsessed with the dog toys, I'm gonna wrap those dog
Speaker 2: toys up. And what it gives them to them, it's
Speaker 2: the experience of opening presents.
Speaker 6: It's a joy.
Speaker 2: And as long as they have the joy, that's a
Speaker 2: really good money tip. If you have a toddler, just
Speaker 2: wrap up the stuff that they haven't played with in
Speaker 2: a while.
Speaker 6: They'll be stoked.
Speaker 5: They will have no idea. It's a fresh new present
Speaker 5: for them. I think this is genius.
Speaker 6: It's a great idea, good little brut tip for you there. Oh,
Speaker 6: I love that.
Speaker 2: Speaking of let's segue straight into that, miss Beck, I
Speaker 2: have missed our broke tips. Something shocking. It's been a
Speaker 2: while a while, I know, so I want to know
Speaker 2: what are you bringing to the table this week. I
Speaker 2: hope they're good. You've had a lot of time to
Speaker 2: plan a lot of time. Oh no, the pressure's on.
Speaker 2: No pressure, no pressure, Just don't make them terrible, all right.
Speaker 4: Of course?
Speaker 5: Okay, So as per we have two from the community.
Speaker 5: First one comes from Sabrina. Sabrina suggests that instead of
Speaker 5: doing a shopping list for what you need at home,
Speaker 5: instead spend a whole day going through your pantry, your
Speaker 5: fridge and everything and do a stock list of what
Speaker 5: you already have and then keep like updating that as
Speaker 5: you go. Because I don't know, I've mentioned this before,
Speaker 5: where you like go out and you need to buy
Speaker 5: like cuman or salt or something, and you come home
Speaker 5: and you have like twenty of the same thing. But
Speaker 5: instead to do a stop list of everything you own,
Speaker 5: things that are right at the back of the pantry,
Speaker 5: some old pasta or whatever, you might end up having
Speaker 5: so much food and not have to go to the
Speaker 5: grocery store at all.
Speaker 2: There are three types of peanut buttery in my hayes.
Speaker 2: Exactly have you seen those vintage This is very niche,
Speaker 2: those vintage shopping lists.
Speaker 6: I'm realizing this might not be interesting to anyway except me.
Speaker 2: There's these I like, he's just committed though.
Speaker 4: Story.
Speaker 6: You can cut it out.
Speaker 7: If you're on I like history, and they used to
Speaker 7: have these. There would be like little metal rectangles and
Speaker 7: it would have all of your staples like egg, milk,
Speaker 7: bread butter, whatever, eggs like bread butter, eggs.
Speaker 4: You need to buy.
Speaker 2: Just very excited anyway, And they have little little toggles,
Speaker 2: and so you would have it like if you had it, you.
Speaker 7: Would have it togged to the left or whatever side.
Speaker 7: If you didn't have it, you would switch the toggle.
Speaker 4: Sure like you.
Speaker 2: Interesting, like, oh, you could just write a list. It's
Speaker 2: not quite translated. Wait, let me find a phono. You
Speaker 2: don't need the photo.
Speaker 6: I know exactly what you're talking about.
Speaker 4: I'm sorry, just I was trying to not laugh, but
Speaker 4: but I love this market. That's fuck this idea.
Speaker 6: We can talk about this idea offline.
Speaker 4: Oh I've never seen that before.
Speaker 2: Very very but I live on TikTok.
Speaker 6: So I see, moving right along. What's your next saciate?
Speaker 5: That's very much okay. So this next one comes from Jade.
Speaker 5: This one is actually genius. So I hope that I'll
Speaker 5: explain this properly because it's a little bit it's a
Speaker 5: little bit hard to explain, but Basically, what.
Speaker 6: Is it hard to explain is Jesse's shopping case.
Speaker 4: I don't think anything is as hard to This will
Speaker 4: be very close to so.
Speaker 5: Jade says that when ordering online from Woolly's, place your
Speaker 5: order on a Tuesday with delivery pickup for Wednesday afternoon
Speaker 5: slash Thursday, you will get Tuesday's specials when you place
Speaker 5: the order. You can then modify your order early Wednesday
Speaker 5: to remove slash ad items that have now gone on special.
Speaker 5: So you're basically getting what she's dipping. Yeah, she's a genius.
Speaker 5: You see, you keep last week's specials and you now
Speaker 5: have the next week's specials.
Speaker 4: Does that make sense?
Speaker 6: Could edit it? You can edit it if.
Speaker 2: It's like, but do you lose the discount? Not?
Speaker 5: No, you keep last week's discount and then you you
Speaker 5: remove the items that are now on special if there
Speaker 5: are any, and you put them back in. Now you've
Speaker 5: got two lots of specials, two weeks worth of specials.
Speaker 5: If that is actually glitch, so let's it's not.
Speaker 6: If you're listening or you're not, you're.
Speaker 4: Not give that that sounds great?
Speaker 6: You already make.
Speaker 5: Enough profits sit down there exactly, So I think that's
Speaker 5: genius and I never thought to do that for so.
Speaker 2: It's really smart and you well articulated.
Speaker 4: What's your broke? Okay, so this one as usual a
Speaker 4: bit rogue.
Speaker 6: Really I didn't see what's coming.
Speaker 5: Okay, so appavently, if just checking, is this legal? This
Speaker 5: is legal in Australia. It's legal in Australia. It's maybe not,
Speaker 5: depending on your situation. I might not recommend, I might
Speaker 5: not condone.
Speaker 6: Interesting, Oh my god, why did I you?
Speaker 4: That's probably good that you did.
Speaker 5: If you dust baking soda on top of super glue,
Speaker 5: it hardens almost instantly. So let's so you have a
Speaker 5: chip in your wind screen or.
Speaker 6: Oh my god, are we sure that that's legal?
Speaker 4: It's probably it's probably not. It's not advised.
Speaker 5: It's just like if you have like a little like
Speaker 5: plastic item, maybe shoes, maybe things like that that aren't
Speaker 5: like glass or anything.
Speaker 4: Maybe not your windscreen. Actually forget that I said wind screen.
Speaker 6: I'm gonna lie.
Speaker 2: I never needed baking soda for super glue.
Speaker 6: Not dry.
Speaker 4: It's like a resin. It's like a resin substance.
Speaker 6: That's what I'm science here.
Speaker 5: It makes as it makes like a resin sort of substance.
Speaker 5: It's obviously not resin, but I can't.
Speaker 6: Be trusted with super glue. So this is a great
Speaker 6: tip for you.
Speaker 5: Yes, yes, yes, so you do try when you're baking
Speaker 5: soda super glue. It hardens immediately, so make sure it's
Speaker 5: all ready to go. You don't want to start pouring
Speaker 5: when it's not. But like, let's say you have chip
Speaker 5: in again, I'm gonna say, let's do let's say no.
Speaker 5: As soon as you it hardens instantly, hardens instantly, so
Speaker 5: you hold if you're in a rush, if you superglue
Speaker 5: something totally like me and my together, like that's the
Speaker 5: only memory I have super glue.
Speaker 4: That's very true. Or if I've never done this because
Speaker 4: I've never got my nails done. But let's say your
Speaker 4: nail falls off.
Speaker 2: If your nails, no, I've definitely done that. I can
Speaker 2: understand that maybe you haven't experienced that, but I definitely have.
Speaker 2: In fact, I have reglued this nail on this week
Speaker 2: with super glued.
Speaker 4: Ah, did you use baking soda?
Speaker 2: No, So maybe it's not going to work out long
Speaker 2: term for us.
Speaker 5: Really disappointing, but that is a I guess like it's
Speaker 5: a pretty good I'm going to try.
Speaker 6: For science because I'm totally to see what happened.
Speaker 5: Totally, and you don't, you don't end up needing to,
Speaker 5: you know, go out and buy a new topwear or
Speaker 5: glass jars, whatever it is that you're using your friends
Speaker 5: and filling a hole and you're feeling eating something.
Speaker 6: It's filling a hole.
Speaker 4: No, but you could use it to bond as well.
Speaker 2: It does not sound food safe.
Speaker 7: I don't know how you would put the baking soda
Speaker 7: if you're bonding some.
Speaker 6: That's what I mean.
Speaker 2: You mix the baking soda with the super glue and
Speaker 2: then use it, or do you put the super glue
Speaker 2: in and then stuff some baking soda on like house,
Speaker 2: I'm saying if you're.
Speaker 5: Like, let's say, like you have a plate, you put
Speaker 5: the plate together, you put your super blue in, and
Speaker 5: then you dost thing on top right instantly.
Speaker 6: Plate. It's a good example plate.
Speaker 2: It's a good example plate. It's a great seal example.
Speaker 2: I still don't think it's food safe. Let's leave this
Speaker 2: conversation here because after the break, which I cannot wait for,
Speaker 2: we're going to be discussing what the best savings account
Speaker 2: for your future house deposit is.
Speaker 6: But we're also getting to the spicy topic.
Speaker 2: Of someone's husband in our community got an inheritance and
Speaker 2: didn't want to share it with his wife, and we
Speaker 2: need to talk about it. So guys, do not go anywhere.
Speaker 6: Welcome back, everybody. Let's take a listen to this week's
Speaker 6: money dilemma, shall we?
Speaker 8: Hi?
Speaker 3: There?
Speaker 2: Have you got a money dilemma you just can't solve?
Speaker 2: The Sheese on the Money team is here to help.
Speaker 2: Every week, we tackle your dilemmas, both big and small,
Speaker 2: to answer your most burning money.
Speaker 6: Career and life questions.
Speaker 2: To get involved, simply head to our website and leave
Speaker 2: us a short voice recording and you might just find
Speaker 2: yourself on the show. Now, let's take a listen to
Speaker 2: this week's money dilemma.
Speaker 9: Hish is on the Money. I am such a big
Speaker 9: fan of the podcast and I'm hoping you can help.
Speaker 9: I have a question about investing. I've saved up a
Speaker 9: house deposit and I'd like to do something with around
Speaker 9: fifty thousand dollars of it. It's currently sitting in a
Speaker 9: savings account of about four and a half percent. However,
Speaker 9: I'm wondering if I should do something better with the
Speaker 9: money to make it work harder for me? Would it
Speaker 9: be best to put it in a bond or an
Speaker 9: index fund or some high interest savings account. I wouldn't
Speaker 9: be looking at purchasing for about another year, and it
Speaker 9: feels silly just having such a large sum sitting there.
Speaker 9: Thank you so much.
Speaker 6: I know what you're gonna say, so I might as
Speaker 6: well just let you say it.
Speaker 2: No, what am I going to say? Make me redundant.
Speaker 2: I'm going to go on matt leave at some point
Speaker 2: I need.
Speaker 6: To test your Yeah, this is your probation test.
Speaker 7: No, you have said before, like, we don't invest anything
Speaker 7: for the short term because market volatility over the period
Speaker 7: of a year, there's a very high level of risk
Speaker 7: that you will experience volatility and that your money could
Speaker 7: be impacted. So if you put fity grand in out,
Speaker 7: it could be forty grand next year, you just don't know,
Speaker 7: it could be sixty not saying it will go up,
Speaker 7: not saying it will go down. But it's high risk, right,
Speaker 7: so you would want to put it if you're putting
Speaker 7: it anywhere somewhere safe. Bonds generally are longer term, right,
Speaker 7: so you might be able. I don't know too much
Speaker 7: about bonds. We have a good episode on it.
Speaker 2: Though we do have a good episode on bonds.
Speaker 6: I would say maybe you could consider a bond.
Speaker 2: Is a more conservative option. However, they usually have longer
Speaker 2: term or commitments. So bond in Australia is usually a
Speaker 2: ten year commitment. And if you went into it for
Speaker 2: twelve months and then pulled your money out, you would
Speaker 2: be foregoing any interest you had urged you already done.
Speaker 2: It actually makes no sense. You are correct. I would
Speaker 2: never recommend investing for the short term. Obviously you do,
Speaker 2: you Booth, and I'll do me. But you're right, market
Speaker 2: latility over twelve months is way too short. If hit
Speaker 2: the nail on the head, I'm actually redundant now, Beck,
Speaker 2: So I would just honestly useless. So I would just
Speaker 2: see myself out.
Speaker 4: But it kind of awkwardly, it's still here.
Speaker 6: Just let me have a turn. Just let me have
Speaker 6: a turn, all right.
Speaker 4: You can have one shot.
Speaker 2: So we are talking at the moment a lot about
Speaker 2: like the rise and cash rate and how much that
Speaker 2: sucks for people with mortgages. Already you're in this beautiful
Speaker 2: position where this actually benefits you. So historically I have
Speaker 2: said on the podcast air high interest savings accounts, like,
Speaker 2: you know, they're not all sunshine and roses because they
Speaker 2: dropped down to like less than one percent return.
Speaker 6: Yeah, mimus point seventy five at one point.
Speaker 2: Yeah, and it's like not that sexy, right, But now
Speaker 2: you can get a high interest savings account for like
Speaker 2: five point six percent. That's really sexy. What we do
Speaker 2: need to remember about that, though, is that you will
Speaker 2: be paying your marginal tax rate on that five point
Speaker 2: six percent. You don't get five point six percent clean
Speaker 2: because any money that you earn in Australia will be
Speaker 2: taxable income even on your like on your savings account.
Speaker 2: Still that's a money win. You might lose, you know,
Speaker 2: thirty two and a half cents in the dollar. I
Speaker 2: don't mind if you lose that amount when you're actually
Speaker 2: making you know, significantly more.
Speaker 4: So.
Speaker 2: I think at this point in time, while it's not
Speaker 2: personal advice, I would be looking at high interest savings
Speaker 2: accounts with some level of scrutiny like what are they returning?
Speaker 2: But what is also the criteria? So there are some
Speaker 2: accounts out there at this point in time that go
Speaker 2: beck will give you that five point six percent return,
Speaker 2: but you have to be spending fifteen hundred dollars a
Speaker 2: minimum from that account, and you have to be depositing
Speaker 2: a minimum of two thousand dollars into the account. So
Speaker 2: read the terms and conditions before you sign up to
Speaker 2: something that you go, oh, that looks really sexy. Don't
Speaker 2: just sign up because you know the shiny marketing got you.
Speaker 2: Make sure that you understand what the crux of that
Speaker 2: is and how long you need to have your money
Speaker 2: in there. If there's some kind of term deposit on it,
Speaker 2: they might go, oh, well, it's a term deposit for
Speaker 2: twelve months. That's fine if you don't want to touch
Speaker 2: it for twelve months, but don't forget. If you break
Speaker 2: a term deposit in the same way breaking a bond,
Speaker 2: you forego any of the interests that you've earned, and
Speaker 2: that can actually shoot you in the foot. So I
Speaker 2: think you're right, Jess. I could never recommend investing so
Speaker 2: like a bond or an ETF like it's just honestly
Speaker 2: not worth your time, But popping it into a high
Speaker 2: interest savings account wouldn't be the worst idea you've ever had.
Speaker 4: Love that quick and clean.
Speaker 6: Now let's get to the good stuff. Yay, all right,
Speaker 6: Jess is right.
Speaker 2: We've answered our question and now it is onto the
Speaker 2: spicy stuff. One of you slid into our DMS this week?
Speaker 2: Are you ready?
Speaker 4: M ready?
Speaker 2: Okay, here's the message we got. Hey girls. I would
Speaker 2: love some advice because I'm feeling pretty flat. My husband
Speaker 2: recently inherited a large amount of money. It's about three
Speaker 2: hundred thousand dollars, and very much to my surprise, he
Speaker 2: said he does not want to share it with our family,
Speaker 2: which includes myself and our five year old son. We
Speaker 2: own a house together, we've been married for more than
Speaker 2: eight years, and share all other finances. I suppose I
Speaker 2: expected him to keep a little bit for himself, but
Speaker 2: I thought he would put a majority of it towards
Speaker 2: assisting the family, or at least take a nice holiday altogether. However,
Speaker 2: he has said many many times that he feels the
Speaker 2: money is his and he wants to keep it for himself,
Speaker 2: to perhaps buy a new car or something like that.
Speaker 2: I just feel so confused. We have such a strong
Speaker 2: relationship and I would never expect this from him.
Speaker 6: If it was in reverse, I.
Speaker 2: Would one hundred percent view the money as both of ours,
Speaker 2: and it's really upsetting that he doesn't see it this way.
Speaker 2: Any advice would mean so much?
Speaker 6: Are you kidding? That's crazy to me?
Speaker 2: Like, this isn't your girlfriend expecting you to spend an
Speaker 2: inheritance on her going to Europe. This is your wife
Speaker 2: expecting you to pay some of the mortgage off with
Speaker 2: your shared finances for your actual child.
Speaker 6: I am, I don't know.
Speaker 2: I usually try to be really like, you know, on
Speaker 2: the fence about this, the audacity. You are married, you
Speaker 2: have a child, Like, why aren't we putting your entire
Speaker 2: wealth creation journey first?
Speaker 6: That's three hundred thousand dollars.
Speaker 2: That's life changing.
Speaker 6: Yeah.
Speaker 7: I think it's the fact that they fully share finances
Speaker 7: that gets me, Like, if you operated your finances independently
Speaker 7: while being in a relationship, I could see a bit
Speaker 7: more roomfully way there. But I would love to know
Speaker 7: what he's planning on doing with the money, because, as
Speaker 7: you said, three hundred thousand dollars is so much money.
Speaker 7: And if he goes, oh, I don't want to share
Speaker 7: it with the family. I don't want to go on
Speaker 7: a holiday. I don't want to pay off the mortgage.
Speaker 7: I don't want to do whatever with it. Putting toward
Speaker 7: school fees, What are you are you going to invest
Speaker 7: it in which case? In which case is that income
Speaker 7: going to come back? And you know, support the family
Speaker 7: that way, Like are you spending three hundred thousand dollars
Speaker 7: on a yacht? Like where are you planning on putting it?
Speaker 7: If you don't want to share? Its kind of my question.
Speaker 2: You know, I find it wild. I do want to
Speaker 2: caveat this before we continue the conversation. I do apologize.
Speaker 2: So I used to work in wealth creation and my
Speaker 2: I guess expertise was in inheritance, right, So I think
Speaker 2: it's really important to point out that one, I know
Speaker 2: what we're talking about when it comes to inheritance, but
Speaker 2: also to nobody wants to get an inheritance. They would
Speaker 2: much prefer to have that person back. And I think
Speaker 2: that it's so important, especially when you know I was
Speaker 2: talking to ex clients. I'd sit them down and be like, cool,
Speaker 2: where did this money come from? And someone might go, oh,
Speaker 2: it was from my mum's estate. I'd be like, tell
Speaker 2: me about your mum. I want to learn more about
Speaker 2: this human How do we honor this human being and
Speaker 2: what they've left you to create a legacy, Like what
Speaker 2: does that actually look like because for some people, you
Speaker 2: might be inheriting, in this instance, three hundred thousand dollars.
Speaker 2: For some people, it might be ten thousand dollars. For
Speaker 2: others it might be millions. But that is still what
Speaker 2: that person has left you in order to put you
Speaker 2: in the best possible position beck when they can't be
Speaker 2: there anymore. So I totally understand that there's always an
Speaker 2: emotional connection to an inheritance, But I don't think I've
Speaker 2: ever seen someone go, oh well, I don't want to
Speaker 2: share it with my wife on a buy car. I'd
Speaker 2: just go, oh okay. Like to me, an inheritance deserves
Speaker 2: to be honored, It deserves to have a lot of
Speaker 2: thought put into it. It deserves to have the opportunity
Speaker 2: to grow because it's kind of like, you're never going
Speaker 2: to come into three hundred thousand dollars again, how do
Speaker 2: we put this to work so that it works so
Speaker 2: hard for you so you don't have to So I
Speaker 2: think let's just caveat a whole inheritance conversation with everyone
Speaker 2: at this table that's having this conversation understands that that's
Speaker 2: a really big responsibility. But now we're talking about making
Speaker 2: a choice to not benefit the family and spend it
Speaker 2: frivolously when you have financial responsibilities.
Speaker 4: Totally.
Speaker 5: I think when I was listening to that, I kind
Speaker 5: of went it was a full emotional rollercoaster of At
Speaker 5: first I was like, Wow, that's really bad, and then
Speaker 5: I was like oh, and then I was like hmm,
Speaker 5: and now I'm still like huh, and I think like,
Speaker 5: and in my mind, I'm kind of thinking like if
Speaker 5: the not to like bring gender into this at all,
Speaker 5: Like I don't want to be that person.
Speaker 4: But let's say it was.
Speaker 5: Reversed, if it was the wife, I'd be like, Okay,
Speaker 5: maybe she wants that for financial like a safety blanket
Speaker 5: of security in case she needs to leave the relationship
Speaker 5: one day or whatever, which she.
Speaker 6: Has every right.
Speaker 2: Every single woman in the entire world should have an
Speaker 2: emergency fund that sits separate from their partner.
Speaker 5: Totally, because I think like, historically, you know, women kind
Speaker 5: of are worse off in this situation where there's like
Speaker 5: a random, you know, a very sudden breakup or whatever.
Speaker 5: But that's not what's happening here. It does feel strange,
Speaker 5: especially because he's like I kind of want to buy
Speaker 5: a car.
Speaker 4: I'm like, Oh, it feels like I want to say
Speaker 4: this because, oh.
Speaker 2: Yeah, I want to put it in my super super investor.
Speaker 6: I want to save it like.
Speaker 7: Ad dollars, Like, you're not buying a car for three
Speaker 7: hundred That's totally That's the point that I was making before,
Speaker 7: Like what car costs three hundred thousand dollars?
Speaker 2: Exactly?
Speaker 6: I could name a few I can't afford them. Is
Speaker 6: he finding on a Ferrari? You know what I mean?
Speaker 2: Like we're not talking like you know, the man's day
Speaker 2: x five. What are you going to do with the
Speaker 2: Ferrari though, Like really, it's still gonna take you from
Speaker 2: A to B.
Speaker 4: It's still going to take you to wooll is going.
Speaker 6: To do the same thing my caryo Exactly. It's basically for.
Speaker 2: Us, I'm gonna drive it down Chapel Street to get
Speaker 2: a new girlfriend. Because you've decided you don't like your
Speaker 2: wife or your child. That's why you didn't spend any
Speaker 2: money on them.
Speaker 4: I mean that's kind of what it's sounding like.
Speaker 7: Right. An interesting little addendum is like, even if he
Speaker 7: doesn't choose to spend it on them, if he was
Speaker 7: to leave her, technically depending on like that's depending on
Speaker 7: the technicalities of their relationship, she's still entitled to it,
Speaker 7: so it can't even my assumption would.
Speaker 2: Be it is that depends on the structure. But yes,
Speaker 2: let's just pretend this is really clean for a second.
Speaker 7: Sure you're right, like she could still be in Yeah, sorry,
Speaker 7: it's a big word for it, but yeah, technically if
Speaker 7: he was going, oh, I don't want to give it
Speaker 7: to the family because I want it to be mine.
Speaker 7: I don't want anyone to have a chance of getting
Speaker 7: that money. I mean, technically that's not how it's gonna work.
Speaker 2: But also, why are you married to someone if that's
Speaker 2: the case. It's like at the moment. So side note,
Speaker 2: I don't know if I've told anybody, but I'm having
Speaker 2: a baby surprise congratulations.
Speaker 6: Yes, oh, thank you. This is a surprise to everybody.
Speaker 2: But I'm having lots of conversations in my DMS about Victoria.
Speaker 2: What are you doing about you know, maternity leave, and
Speaker 2: what are you doing about you know, your superannuation while
Speaker 2: you're not contributing to that, And obviously my plan is
Speaker 2: to continue to contribute to it. Don't worry, I'm there.
Speaker 2: But it's this conversation around if you and your partner.
Speaker 2: Let's just pretend it's my circumstance. If my husband and
Speaker 2: I were both PAYG employees and I was stepping out
Speaker 2: of the workforce and my boss didn't pay my super
Speaker 2: while I was out, I would fully expect my husband
Speaker 2: to be contributing financially to my super so that I'm
Speaker 2: not behind. And the reason is not selfish. It's one
Speaker 2: there's a heap of tax benefits to contributing to my
Speaker 2: super while I'm on Matt Leaf And you know that's
Speaker 2: quite sexy. But again, don't you want your family as
Speaker 2: a whole to be financially stable? Like the entire purpose
Speaker 2: of our marriage is not to get a divorce, Like
Speaker 2: people don't get married to get divorced, Like you get
Speaker 2: married when you've made this decision to spend your entire
Speaker 2: life together. So to me, it would be a red
Speaker 2: flag if my husband had turned around and said, well, actually,
Speaker 2: I don't really want to contribute to your stuper because
Speaker 2: what if you leave me one day and we're both
Speaker 2: equal ill So I think, to me, this reminds me
Speaker 2: of that where it's kind of like, well, our family
Speaker 2: has come into you know, this wealth, We've got this
Speaker 2: sum of money and it could actually change our lives,
Speaker 2: and you're going, I don't really want you to have it.
Speaker 2: That's a deeper red flag to me. That goes, well,
Speaker 2: I don't know. The second I have something, I want
Speaker 2: to share it with my husband. I want him to
Speaker 2: be happy. I want him to be better off. The
Speaker 2: second I know he's having a bad date work, I'm like, well,
Speaker 2: what can I do to make sure that he's having
Speaker 2: a good day? The second he gets home? Like, is
Speaker 2: that not what other people I need?
Speaker 1: For?
Speaker 6: Skid as well?
Speaker 7: I think gets extra complicated because you have a child together, Like, surely.
Speaker 2: That is a massive financial responsibility to be.
Speaker 7: Financial responsibility, but also like, surely, as a couple, your
Speaker 7: ultimate goal is to put your child in a position
Speaker 7: where they are healthy, they are well looked after. You're
Speaker 7: setting them up financially for the future. And whether that
Speaker 7: looks like sending them to a more expensive school, or
Speaker 7: whether that looks like taking them traveling so they get
Speaker 7: a better world perspective, or whether that looks like putting
Speaker 7: it aside so they have a fund for when they
Speaker 7: ten eighteen if they want to go to university or
Speaker 7: whatever that's.
Speaker 2: Paying for their education full stop end of story, Like
Speaker 2: where's that coming from? Your quote? Share all your financial costs?
Speaker 2: Is it not taking a burden off your entire family
Speaker 2: to go all right, well, let's put x amount aside
Speaker 2: for this five year old's education. What other expenses are
Speaker 2: going to come up? Okay, well let's look at our mortgage?
Speaker 2: What does that look like should we be putting You know,
Speaker 2: at the end of the day, you might be saying,
Speaker 2: you know, I don't know, I'm just clutching at straws
Speaker 2: hoping that it's a better situation than it is. Maybe
Speaker 2: this person actually has analysis paralysis and doesn't want, you know,
Speaker 2: his wife making decisions on the money because he's not
Speaker 2: ready to make decisions on the money. In which case,
Speaker 2: can we just put it in an offset account and
Speaker 2: not make a decision about it, so at least it's
Speaker 2: offsetting our mortgage and the interest we're paying on that
Speaker 2: because interest rates at the moment are cooked, And then
Speaker 2: you can make a decision in twelve months once you
Speaker 2: feel more comfortable with it. Because at the end of
Speaker 2: the day, inheritance can make people uncomfortable. Is this like
Speaker 2: kind of a facade of like, oh, I don't want
Speaker 2: you to have it there because I want to keep
Speaker 2: it for me. But that's because they don't know what
Speaker 2: they want to do with it yet and don't want
Speaker 2: to waste it. Yeah, in a perfect world, that's.
Speaker 6: What's going on.
Speaker 5: Sure, But like hypothetically, if that's I would say, obviously, like,
Speaker 5: have a chat with your husband if that's not what's
Speaker 5: going on and he just doesn't want to spend it
Speaker 5: on you guys because he red flag, Pabby, that's a
Speaker 5: red flag, and maybe reconsider what you're doing.
Speaker 2: Yeah, Like I totally understand allocating some of it to
Speaker 2: you know, I don't know, maybe.
Speaker 6: Treat yourself exactly. So we don't know where this inheritance
Speaker 6: has come from.
Speaker 2: Let's pretend for a hot second it comes from his
Speaker 2: dad and they were both petrol heads. Maybe buying a
Speaker 2: car with that is something that is honoring his dad
Speaker 2: and makes him feel more connected. Fantastic, But let's have
Speaker 2: that conversation in a way that is constructive while not
Speaker 2: sacrificing the future wealth creation of your family. Yes, because
Speaker 2: right now, the opportunity is financial stability is sitting right
Speaker 2: in front of you, and you're choosing to not yes,
Speaker 2: engage with that, which makes me frustrated. Let's look at
Speaker 2: what we ask the community. So I asked the community,
Speaker 2: if your partner received this inheritance, would you expect them
Speaker 2: to share it with you? Seventy eight percent of you
Speaker 2: said yes, absolutely, twenty two percent of you said no, sure.
Speaker 2: If yes, what is your relationship status, So if you're
Speaker 2: expecting your partner to share this with you, thirty seven
Speaker 2: percent of you said we live together, thirty five percent
Speaker 2: of you said we're married, and twenty eight percent of
Speaker 2: you said we're married and have children together, which I'm
Speaker 2: surprised about because the highest amount of people expecting that
Speaker 2: to be shared is not married people with children. It's
Speaker 2: actually just people who live together. Yeah, So that construct,
Speaker 2: to me is not as deep as having a massive
Speaker 2: financial commitment like a child. The next, do you think
Speaker 2: it's selfish for your husband to spend all this money
Speaker 2: on himself? Twenty one percent of you said no, he's
Speaker 2: allowed to buy himself a car and whatever else he wants. Okay,
Speaker 2: seventy nine percent said yes absolutely, one hundred percent should
Speaker 2: share this with his family, which I don't think we
Speaker 2: are surprised by. Yeah, and those stats line up with
Speaker 2: the stats that we got prior, and then we said
Speaker 2: what's your two cents? And this is always my favorite
Speaker 2: part because people are savage because they know I'm never
Speaker 2: going to out them, like I will never out you
Speaker 2: if you have dmd US. In response to one of
Speaker 2: our spicy questions, that's not on you're safe here, someone
Speaker 2: said hundred percent divorce.
Speaker 6: Someone said divorce, divorce, divorce.
Speaker 2: Someone said you can buy yourself something nice with inheritance
Speaker 2: and still share a lot of that with your family.
Speaker 2: Someone else said, sure, go buy yourself in your car
Speaker 2: if you want, But if they share all other finances,
Speaker 2: it seems very odd that he's planning to keep it all.
Speaker 2: Someone said there must be a reason why he won't share.
Speaker 2: Is there an underlying issue? We're not provy too. Yeah,
Speaker 2: that's kind of my question too. Someone said, how gd
Speaker 2: route He has a child and a wife, but he
Speaker 2: wants to keep three hundred k to himself. Why and
Speaker 2: then there's three red flag emojis.
Speaker 4: Yeah.
Speaker 2: Someone else said he should be able to make a
Speaker 2: big purchase like a car, but needs to use the
Speaker 2: rest to support his family. Someone else said, not fair
Speaker 2: to share all other finances except for this. You set
Speaker 2: an expectation that you need to stick to. Someone said, actually,
Speaker 2: I just inherited two hundred thousand dollars. I have a partner,
Speaker 2: but we don't have children. I plan on investing the
Speaker 2: whole amount for myself. Okay, but that's wealth creation. Yeah, yeah, yeah, totally,
Speaker 2: so I kind of see that as Obviously, this goes
Speaker 2: back to honoring the money that comes into your hands
Speaker 2: when it is significant, and like, to me, significant is
Speaker 2: anything above a dollar, like we're not talking about you know,
Speaker 2: you have to have hundreds of thousands of dollars in
Speaker 2: an inheritance to honor it. In fact, I feel like
Speaker 2: it can be quite freeing to people to realize what
Speaker 2: an inheritance actually means, because often we can feel overwhelmed
Speaker 2: or guilty about receiving so much wealth. Like if you've
Speaker 2: never come into that money and one day I said, hey, Beck,
Speaker 2: he's a million dollars because someone very close to you
Speaker 2: has passed away yesterday, you might go I don't deserve this,
Speaker 2: I don't want this, Like this is overwhelming. I've never
Speaker 2: dealt with this amount of money in my life. But
Speaker 2: we really need to reframe it and go, this is
Speaker 2: that person looking after you when they can't be there
Speaker 2: in person. How do we make sure that you're in
Speaker 2: the best possible position. So I'm not mad if someone says,
Speaker 2: I'm actually going to invest the full amount, because if
Speaker 2: you stay with your partner, that ultimately is going to
Speaker 2: support them into retirement as well, whether it's in your
Speaker 2: name or their name. Like, I don't think it necessarily
Speaker 2: has to be split, especially when it is an inheritance.
Speaker 2: In fact, I often used to push to put inheritances
Speaker 2: obviously this is not financial advice, but into a trust
Speaker 2: so that it could be protected for you because that
Speaker 2: person who passed away that sent it to you, they
Speaker 2: wanted back to have it. They didn't want, you know,
Speaker 2: somebody else to split it and it to be dispersed.
Speaker 6: But that's if everything goes south.
Speaker 2: In the interim. You're creating family wealth, you have joint assets,
Speaker 2: and it's you know, working towards a secure financial future.
Speaker 2: Saying well, I don't want to share with you, beck,
Speaker 2: I actually want to buy a car feels like a
Speaker 2: different story. Yeah, I'll do two or three more because
Speaker 2: I just find this so spicy. Someone said, I just
Speaker 2: don't understand why I wouldn't want to share with his
Speaker 2: people aren't they he's loved once.
Speaker 7: Yeah.
Speaker 4: True.
Speaker 2: Someone said he can buy himself a car and still
Speaker 2: be able to put money aside for his family.
Speaker 6: Why isn't he phrasing it that way?
Speaker 7: That's my thought, Like, like you said, honor the money.
Speaker 7: I don't think you should necessarily have to give everything away.
Speaker 7: But it is crazy to me that it's not even
Speaker 7: a conversation that's been tabled from what we've been told.
Speaker 2: Yeah, and last one I'm going to read out, which
Speaker 2: I think is you know, I think on the same
Speaker 2: page as everyone at this table is I think it
Speaker 2: really comes back to the mindset of actually being a
Speaker 2: team and a partner in finances. This doesn't feel like
Speaker 2: he's being a team player. Yeah, that's so accurate, And
Speaker 2: I feel like that just hits in a nail on
Speaker 2: the head right now. The person who's written into us
Speaker 2: is going, I don't feel like my partner's being a
Speaker 2: team player, like we're a family. This doesn't feel like
Speaker 2: something a family would do, and I feel like that's
Speaker 2: really reasonable. To be honest, my advice is go to therapy.
Speaker 4: Yeah.
Speaker 2: Yeah, Like it's a bit savage, but at the end
Speaker 2: of the day, I think there are definitely deeper seated
Speaker 2: issues in this and talking it out between the two
Speaker 2: of you, I don't think is a good idea. You
Speaker 2: need a you know, non biased third party to sit
Speaker 2: and go, well, Beck, why do you feel that way
Speaker 2: about Victoria? Like, you know, don't you have financial commitments
Speaker 2: and vice versa, because we don't know a lot of
Speaker 2: this circumstance. Let's be honest, we are missing so much context,
Speaker 2: and I feel like every time we have these DMS, I'm.
Speaker 6: Always like context, context, context.
Speaker 2: But imagine if the context that we're missing is she's
Speaker 2: from a multi millionaire family and has already inherited lots
Speaker 2: of money prior to meeting him. She's super financially stable,
Speaker 2: never has to work a day in her life. He
Speaker 2: is working and comes into three hundred grand and goes
Speaker 2: she doesn't need it. We can afford all our bills,
Speaker 2: we can afford everything. I want to spend this on me? Yeah,
Speaker 2: At which point would that change your answers around the table?
Speaker 6: Absolutely?
Speaker 2: So, yeah, exactly so. We might be missing a lot
Speaker 2: of context, but we've tried as hard as we can.
Speaker 6: To be fair and with what you gave us, absolutely,
Speaker 6: there you go.
Speaker 2: Which I think is a very good place to leave it,
Speaker 2: to be honest, because we could just keep making up
Speaker 2: scenarios that make no sense and see what we think
Speaker 2: about those two. But I think that is all we
Speaker 2: have time for this week. Guys, it has been a pleasure.
Speaker 2: I'm so glad the band is back together. We'll see
Speaker 2: you right in early on Monday for a money diary.
Speaker 2: Till then, have the best weekend ever. We love you,
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