1 00:00:00,640 --> 00:00:00,960 Speaker 1: Hello. 2 00:00:01,520 --> 00:00:05,360 Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud Yr the Order, 3 00:00:05,559 --> 00:00:08,960 Speaker 2: Kernie Whoalbury and a waddery woman. And before we get 4 00:00:08,960 --> 00:00:11,560 Speaker 2: started on She's on the Money podcast, I would like 5 00:00:11,600 --> 00:00:14,760 Speaker 2: to acknowledge the traditional custodians of the land of which 6 00:00:14,800 --> 00:00:19,280 Speaker 2: this podcast is recorded on a wondery country, acknowledging the elders, 7 00:00:19,320 --> 00:00:23,319 Speaker 2: the ancestors and the next generation coming through. As this 8 00:00:23,400 --> 00:00:28,080 Speaker 2: podcast is about connecting, empowering, knowledge sharing and the storytelling 9 00:00:28,360 --> 00:00:31,600 Speaker 2: of you to make a difference for today and lasting 10 00:00:31,640 --> 00:00:32,599 Speaker 2: impact for tomorrow. 11 00:00:33,280 --> 00:00:34,080 Speaker 1: Let's get into it. 12 00:00:34,760 --> 00:00:38,800 Speaker 3: She's on the Money, She's on the Money. 13 00:00:57,800 --> 00:01:01,360 Speaker 1: Hello, and welcome to She's on the Money, the podcast 14 00:01:01,360 --> 00:01:05,400 Speaker 1: for millennials who want financial freedom. My name is Victoria 15 00:01:05,440 --> 00:01:08,880 Speaker 1: Devine and we are back with another Shopback Money Diary, 16 00:01:09,200 --> 00:01:13,120 Speaker 1: which I am so excited for. As always, we are 17 00:01:13,120 --> 00:01:17,000 Speaker 1: bringing to the table a very exciting story and this 18 00:01:17,080 --> 00:01:20,280 Speaker 1: week our Money Diarist has written in and said I 19 00:01:20,400 --> 00:01:23,840 Speaker 1: moved out of home and interstate at seventeen with just 20 00:01:23,959 --> 00:01:27,640 Speaker 1: one suitcase. I am now twenty five years old working 21 00:01:27,680 --> 00:01:30,800 Speaker 1: as a registered nurse in a jail. It is now 22 00:01:30,840 --> 00:01:33,560 Speaker 1: my third year out of UNI and I made ninety 23 00:01:33,640 --> 00:01:37,640 Speaker 1: eight thousand dollars this past financial year. I live with 24 00:01:37,680 --> 00:01:41,559 Speaker 1: my partner and we have two dogs. This financial year, 25 00:01:41,600 --> 00:01:44,000 Speaker 1: we've decided to get on board with the first Home 26 00:01:44,040 --> 00:01:47,760 Speaker 1: super Saver scheme and contribute an additional six hundred dollars 27 00:01:47,880 --> 00:01:51,000 Speaker 1: each to our super each fortnighte. We have a three 28 00:01:51,080 --> 00:01:55,600 Speaker 1: year goal of buying our first home. Money Diarist, What 29 00:01:55,800 --> 00:01:59,320 Speaker 1: a story. Oh my gosh, welcome to the show. 30 00:01:59,680 --> 00:02:00,200 Speaker 3: Thank you. 31 00:02:00,680 --> 00:02:01,000 Speaker 2: Hello. 32 00:02:02,360 --> 00:02:04,800 Speaker 1: I am so excited to talk to you. I have 33 00:02:04,920 --> 00:02:08,080 Speaker 1: so many questions, from talking about you moving out at 34 00:02:08,120 --> 00:02:10,120 Speaker 1: seventeen to how you're going to make use of the 35 00:02:10,160 --> 00:02:12,640 Speaker 1: first time Super Savor scheme. Are you ready to do 36 00:02:12,680 --> 00:02:13,400 Speaker 1: a money diary? 37 00:02:13,520 --> 00:02:14,800 Speaker 3: Yeah, yeah, I'm ready. 38 00:02:15,000 --> 00:02:17,880 Speaker 1: Oh my gosh. All right, well let's just jump into 39 00:02:17,919 --> 00:02:20,959 Speaker 1: it with the first stock standard question. Can you tell 40 00:02:21,000 --> 00:02:23,440 Speaker 1: me a little bit more about your money story? 41 00:02:23,720 --> 00:02:24,000 Speaker 2: Yeah? 42 00:02:24,120 --> 00:02:28,600 Speaker 3: Okay. So I think the first two money values that 43 00:02:28,680 --> 00:02:31,640 Speaker 3: I had were instilled on me when I was a child, 44 00:02:31,800 --> 00:02:35,359 Speaker 3: which is, don't spend more than you earn, so if 45 00:02:35,400 --> 00:02:37,840 Speaker 3: you can't afford to buy something, just don't buy it. 46 00:02:38,440 --> 00:02:41,800 Speaker 3: And then the other thing was differentiate between what you 47 00:02:41,880 --> 00:02:43,280 Speaker 3: want and what you need. 48 00:02:43,480 --> 00:02:44,240 Speaker 1: Oh I love that. 49 00:02:45,960 --> 00:02:49,480 Speaker 3: So growing up. I came from a dual income family. 50 00:02:49,720 --> 00:02:53,720 Speaker 3: I did gymnastics, piano lessons, my brother's got to do 51 00:02:53,800 --> 00:02:57,440 Speaker 3: tennis lessons, guitar lessons, saxophone lessons. We got to go 52 00:02:57,520 --> 00:02:59,640 Speaker 3: on and your family holidays. We went on all the 53 00:02:59,639 --> 00:03:02,200 Speaker 3: school camps, all the school excursions. We got to do 54 00:03:02,320 --> 00:03:06,639 Speaker 3: all of those things. But my parents always provided everything 55 00:03:06,840 --> 00:03:10,720 Speaker 3: that we needed and also that all the extra curriculars. 56 00:03:10,960 --> 00:03:13,600 Speaker 3: But if it came to like things that we wanted, 57 00:03:14,320 --> 00:03:16,720 Speaker 3: they didn't just go out and splurge on things that 58 00:03:16,760 --> 00:03:18,840 Speaker 3: we wanted. Like Mum would never just go out and 59 00:03:18,880 --> 00:03:21,120 Speaker 3: take me shopping and be like okay, go and choose 60 00:03:21,160 --> 00:03:23,320 Speaker 3: like whatever you want and we'll buy it. It was 61 00:03:23,360 --> 00:03:27,520 Speaker 3: always like, if you want something, save it up for 62 00:03:27,760 --> 00:03:30,800 Speaker 3: your birthdays or Christmas time, and then if you still 63 00:03:30,840 --> 00:03:33,080 Speaker 3: want it at that time, like a month or two 64 00:03:33,080 --> 00:03:35,440 Speaker 3: weeks out from that time, let me know and then 65 00:03:35,480 --> 00:03:38,080 Speaker 3: you can have that for your birthday or Christmas. So 66 00:03:38,160 --> 00:03:40,360 Speaker 3: it was always taught to like wait for the things 67 00:03:40,400 --> 00:03:43,040 Speaker 3: that I wanted for special occasions and get them as 68 00:03:43,080 --> 00:03:46,960 Speaker 3: presents rather than just like getting everything that I wanted. 69 00:03:47,040 --> 00:03:49,760 Speaker 3: So you know, all the needs were provided for, but 70 00:03:49,800 --> 00:03:54,440 Speaker 3: the ones were always I was taught to wait and yeah. 71 00:03:53,880 --> 00:03:56,400 Speaker 1: Hey, that's a pretty good money value to be taught. 72 00:03:56,440 --> 00:03:59,960 Speaker 1: Do you feel like you've upheld those as an adult? Yeah? 73 00:04:00,160 --> 00:04:04,720 Speaker 3: Like, I feel like as an adult, I'm actually very indecisive, 74 00:04:04,920 --> 00:04:09,600 Speaker 3: and I always have to think about, oh do I 75 00:04:09,680 --> 00:04:12,200 Speaker 3: really want this? Like think about all the pros and 76 00:04:12,240 --> 00:04:15,480 Speaker 3: cons and way up all the risks. So I think, yeah, 77 00:04:15,600 --> 00:04:18,920 Speaker 3: definitely I've brought that up into my adulthood as well. 78 00:04:19,000 --> 00:04:21,080 Speaker 1: Oh I love this all right, I want to know 79 00:04:21,160 --> 00:04:23,600 Speaker 1: more next. I know you said in your message what 80 00:04:23,640 --> 00:04:25,960 Speaker 1: you do and what you earn, but I want to know. 81 00:04:26,240 --> 00:04:28,719 Speaker 1: Let's answer the question properly. What do you do for 82 00:04:28,800 --> 00:04:31,239 Speaker 1: work and how much money do you earn? 83 00:04:31,440 --> 00:04:35,000 Speaker 3: Okay, so I'm a registered nurse. I work in a 84 00:04:35,080 --> 00:04:39,599 Speaker 3: metropolitan correctional center. The past financial year, I earned ninety 85 00:04:39,640 --> 00:04:44,680 Speaker 3: eight thousand dollars, but that includes overtime and penalty rates 86 00:04:44,720 --> 00:04:48,520 Speaker 3: as well, so my base is around seventy five thousand, 87 00:04:48,560 --> 00:04:50,520 Speaker 3: but I got to own a bit extra due to 88 00:04:50,560 --> 00:04:52,400 Speaker 3: doing overtime and weekends. 89 00:04:52,760 --> 00:04:55,960 Speaker 1: What does working in a correctional facility as a nurse 90 00:04:56,080 --> 00:04:59,680 Speaker 1: actually entail, because I'm assuming that's quite different to being 91 00:04:59,680 --> 00:05:01,400 Speaker 1: a nurse in a maternity ward. 92 00:05:02,680 --> 00:05:06,120 Speaker 3: Yeah, it is different. It's kind of like working in 93 00:05:06,680 --> 00:05:09,359 Speaker 3: comparatively to like working as a nurse in like a 94 00:05:09,400 --> 00:05:14,200 Speaker 3: doctor's clinic. It's called like community style nursing. We work 95 00:05:14,200 --> 00:05:18,880 Speaker 3: inside a clinic that's situated inside our section of the jail. 96 00:05:19,520 --> 00:05:22,960 Speaker 3: So we deal sort of deal with chronic diseases. 97 00:05:23,240 --> 00:05:24,120 Speaker 1: We're in care. 98 00:05:24,360 --> 00:05:28,680 Speaker 3: We do like pathology. We do a lot of triarging 99 00:05:28,800 --> 00:05:31,919 Speaker 3: where first responders if there's an emergency, we deal with 100 00:05:31,960 --> 00:05:34,599 Speaker 3: a lot of self harm, a lot of mental health issues. 101 00:05:34,800 --> 00:05:35,440 Speaker 3: That kind of thing. 102 00:05:35,760 --> 00:05:39,920 Speaker 1: Wow, and with that, how do I'm just being really pervy, now, 103 00:05:40,320 --> 00:05:43,640 Speaker 1: how do the people in the correctional facility reach out 104 00:05:43,720 --> 00:05:46,279 Speaker 1: to I guess someone in your position. Do they just 105 00:05:46,320 --> 00:05:48,440 Speaker 1: get to come into the clinic whenever they want? Do 106 00:05:48,480 --> 00:05:49,520 Speaker 1: they have to book an appointment? 107 00:05:49,560 --> 00:05:49,640 Speaker 2: Like? 108 00:05:49,640 --> 00:05:50,640 Speaker 1: How does this work? 109 00:05:50,960 --> 00:05:54,560 Speaker 3: We have a system it's called a self referral system. 110 00:05:55,160 --> 00:05:58,640 Speaker 3: So if it's like a non urgent issue or matter, 111 00:05:58,760 --> 00:06:02,159 Speaker 3: like for example, someone's like I've got some rush on 112 00:06:02,200 --> 00:06:04,720 Speaker 3: my skin, we have like letterbox at the front of 113 00:06:04,760 --> 00:06:08,760 Speaker 3: the clinic and they can write on this professional sort 114 00:06:08,800 --> 00:06:10,920 Speaker 3: of referral that we have and pop it in the 115 00:06:11,000 --> 00:06:15,599 Speaker 3: letterbox and then every evening we collect the all the 116 00:06:16,120 --> 00:06:18,120 Speaker 3: I guess our letters from the letterbox and then we 117 00:06:18,240 --> 00:06:21,279 Speaker 3: triarge them onto the appropriate wait list depending on what 118 00:06:21,440 --> 00:06:25,400 Speaker 3: they're requesting. But if it's an emergency, they'll usually be 119 00:06:25,440 --> 00:06:28,240 Speaker 3: an emergency response called and then we will go out 120 00:06:28,320 --> 00:06:31,200 Speaker 3: to the wing. Or if it's like someone collapsed or 121 00:06:31,279 --> 00:06:33,839 Speaker 3: someone having chest pains or a self harm, we will 122 00:06:34,320 --> 00:06:37,480 Speaker 3: take our emergency bag and go directly to them. 123 00:06:37,560 --> 00:06:39,440 Speaker 1: Yeah. Wow, I had no idea it would be a 124 00:06:39,520 --> 00:06:43,520 Speaker 1: letterbox system. That's so like, it's just so interesting learning 125 00:06:43,600 --> 00:06:46,520 Speaker 1: about how other people's jobs work. I'm going to come 126 00:06:46,560 --> 00:06:50,799 Speaker 1: back to that. I want to know next though, money Darist, 127 00:06:50,839 --> 00:06:53,520 Speaker 1: what is your big money goal? What are you currently 128 00:06:53,560 --> 00:06:54,440 Speaker 1: working towards. 129 00:06:54,600 --> 00:06:57,040 Speaker 3: We're currently working towards buying our first. 130 00:06:56,760 --> 00:06:59,960 Speaker 1: House, which is very exciting. What's that going to cost? 131 00:07:00,120 --> 00:07:01,360 Speaker 1: Twen's that going to happen? 132 00:07:01,400 --> 00:07:06,360 Speaker 3: And how well, look, we're hoping three years time. Look, 133 00:07:06,400 --> 00:07:10,560 Speaker 3: we kind of are hoping to get something around like 134 00:07:10,640 --> 00:07:16,080 Speaker 3: between seven hundred thousand and nine hundred thousand. So yeah, 135 00:07:16,120 --> 00:07:19,320 Speaker 3: we're looking to save up about one hundred thousand for 136 00:07:19,360 --> 00:07:19,920 Speaker 3: a deposit. 137 00:07:20,400 --> 00:07:23,280 Speaker 1: And let's be super pervy. I want to know what's 138 00:07:23,320 --> 00:07:26,200 Speaker 1: your partner do how much do they earn? And what 139 00:07:26,240 --> 00:07:29,720 Speaker 1: does this goal look like when you're budgeting it out? Like, 140 00:07:29,880 --> 00:07:32,200 Speaker 1: is that one hundred dollars a week? You're saving six 141 00:07:32,280 --> 00:07:33,920 Speaker 1: hundred dollars a week? What does it look like? 142 00:07:34,120 --> 00:07:39,080 Speaker 3: Yeah? Okay, So my partner, he is a carpenter and 143 00:07:40,040 --> 00:07:42,840 Speaker 3: he works for a company at the moment and he's 144 00:07:42,880 --> 00:07:47,960 Speaker 3: on about seventy five thousand, although next year he is 145 00:07:48,040 --> 00:07:50,239 Speaker 3: going out on his own and starting his own business. 146 00:07:50,560 --> 00:07:51,200 Speaker 1: Oh fun. 147 00:07:51,640 --> 00:07:56,640 Speaker 3: Yeah, both of us contribute six hundred dollars per fortnite 148 00:07:56,680 --> 00:08:04,400 Speaker 3: into our super accounts. That's salary sacrificed. So I think 149 00:08:04,480 --> 00:08:08,320 Speaker 3: that works out to be around fifteen thousand, six hundred 150 00:08:08,320 --> 00:08:11,240 Speaker 3: each per year or something like that. 151 00:08:11,400 --> 00:08:14,520 Speaker 1: Does that is perfect maths? And if your times up 152 00:08:14,560 --> 00:08:18,400 Speaker 1: by two, that's thirty one thousand, two hundred dollars, which 153 00:08:18,440 --> 00:08:20,760 Speaker 1: means that you are very on track to meet your goal. 154 00:08:21,000 --> 00:08:21,400 Speaker 2: Yeah. 155 00:08:21,480 --> 00:08:22,920 Speaker 3: So yeah, that's our goal. 156 00:08:23,120 --> 00:08:25,080 Speaker 1: That's so exciting. 157 00:08:25,960 --> 00:08:27,880 Speaker 3: Yeah yeah, hopefully all right. 158 00:08:28,040 --> 00:08:30,320 Speaker 1: Next question I've got for you, do you currently have 159 00:08:30,360 --> 00:08:32,520 Speaker 1: any investments? If so, what are they? 160 00:08:32,960 --> 00:08:36,280 Speaker 3: No, I don't have any investments apart from my super account. 161 00:08:37,000 --> 00:08:39,319 Speaker 1: Not a bad place to be, especially if you've got 162 00:08:39,320 --> 00:08:41,840 Speaker 1: a big money goal of saving for a house. I 163 00:08:41,840 --> 00:08:44,920 Speaker 1: feel like sometimes it can actually be helpful to turbocharge 164 00:08:44,920 --> 00:08:47,440 Speaker 1: a goal, achieve that, then you know, get some other 165 00:08:47,480 --> 00:08:49,959 Speaker 1: structures in place, and look at investing later. As much 166 00:08:49,960 --> 00:08:52,360 Speaker 1: as I talk about it all the time, there's just 167 00:08:52,480 --> 00:08:56,439 Speaker 1: not enough money to do absolutely everything all the time. Yeah. 168 00:08:56,559 --> 00:08:59,720 Speaker 3: Yeah, No, I've just started reading your investing book, and 169 00:09:00,040 --> 00:09:03,199 Speaker 3: I am really interested in starting. I never even really 170 00:09:03,320 --> 00:09:05,960 Speaker 3: thought about, like, it didn't even cross my mind about 171 00:09:05,960 --> 00:09:08,160 Speaker 3: investing before I joined the Shees on the Money group 172 00:09:08,240 --> 00:09:10,000 Speaker 3: or started listening to your podcast last year. 173 00:09:10,080 --> 00:09:12,800 Speaker 1: So it makes my heart so happy when people say that, 174 00:09:12,920 --> 00:09:14,960 Speaker 1: because I'm like, oh my gosh, you're going to end 175 00:09:15,000 --> 00:09:17,679 Speaker 1: up with investments that you might not have had and 176 00:09:17,720 --> 00:09:20,880 Speaker 1: be hopefully in a better financial position because you got 177 00:09:20,880 --> 00:09:22,800 Speaker 1: to hang out with us. Like how cool is that? 178 00:09:23,600 --> 00:09:26,520 Speaker 3: Yeah, that's so exciting. I'm so grateful too. 179 00:09:28,040 --> 00:09:30,640 Speaker 1: Oh my gosh. No, let's not stroke my ego. Let's 180 00:09:30,679 --> 00:09:33,320 Speaker 1: go back to the questions. I want to know, do 181 00:09:33,360 --> 00:09:36,319 Speaker 1: you currently have any debt? If so, what is it? 182 00:09:36,640 --> 00:09:41,400 Speaker 3: Yes, I do, So I have a car loan. So 183 00:09:41,840 --> 00:09:43,880 Speaker 3: I got that at the start of last year, so 184 00:09:43,920 --> 00:09:47,880 Speaker 3: about eighteen months ago. It's a five year loan. So 185 00:09:48,360 --> 00:09:52,080 Speaker 3: the loan was forty four thousand plus interest. So the 186 00:09:52,160 --> 00:09:55,800 Speaker 3: total debt is around fifty two thousand for five years, 187 00:09:56,080 --> 00:10:00,000 Speaker 3: and I have about thirty four thousand, five hundred remaining of. 188 00:10:00,440 --> 00:10:02,560 Speaker 1: Can you tell me whether, and I think this is 189 00:10:02,640 --> 00:10:05,400 Speaker 1: going to confuse a few people, is there a balloon 190 00:10:05,679 --> 00:10:06,439 Speaker 1: on that debt? 191 00:10:06,840 --> 00:10:08,559 Speaker 3: No, there's no balloon on that debt. 192 00:10:08,720 --> 00:10:10,760 Speaker 1: So when I asked the question for those of you 193 00:10:10,880 --> 00:10:12,439 Speaker 1: listening along who might have been like, why are you 194 00:10:12,440 --> 00:10:16,120 Speaker 1: talking about balloons when we're talking about debt. A balloon 195 00:10:16,320 --> 00:10:19,240 Speaker 1: is where you sign up to a you know, car 196 00:10:19,320 --> 00:10:22,000 Speaker 1: loan for example, and our money dirist just said, got 197 00:10:22,000 --> 00:10:24,120 Speaker 1: a car loan, had it for about eighteen months. It's 198 00:10:24,160 --> 00:10:26,600 Speaker 1: forty four thousand dollar car I'm going to pay off 199 00:10:26,600 --> 00:10:28,880 Speaker 1: this fifty two thousand dollars debt, which if you divide 200 00:10:28,880 --> 00:10:30,640 Speaker 1: that by the five years that you said you were 201 00:10:30,640 --> 00:10:32,800 Speaker 1: going to paid off in that means that you're probably 202 00:10:32,840 --> 00:10:37,480 Speaker 1: paying around ten four hundred dollars each and every single year. However, 203 00:10:37,840 --> 00:10:41,040 Speaker 1: often loan companies will say, oh my gosh, money Darist, 204 00:10:41,080 --> 00:10:44,320 Speaker 1: would you prefer lower repayments and a balloon at the end, 205 00:10:44,320 --> 00:10:46,640 Speaker 1: And you're like, oh, yeah, that sounds good. I'd much 206 00:10:46,679 --> 00:10:50,200 Speaker 1: prefer to pay five thousand dollars off instead of ten 207 00:10:50,240 --> 00:10:52,680 Speaker 1: thousand dollars off a year, which means there's a really 208 00:10:52,679 --> 00:10:55,559 Speaker 1: big payout amount at the end of that five years. 209 00:10:55,600 --> 00:10:58,280 Speaker 1: So you might have paid off your loan, but you 210 00:10:58,480 --> 00:11:02,200 Speaker 1: still have maybe twenty dollars at the end to paid off. 211 00:11:02,480 --> 00:11:05,120 Speaker 1: And I always find that to be a relatively sticky 212 00:11:05,160 --> 00:11:07,200 Speaker 1: position to be in because you haven't paid off the 213 00:11:07,240 --> 00:11:09,719 Speaker 1: asset and you only have a few options. You can 214 00:11:09,760 --> 00:11:13,480 Speaker 1: either refinance that debt, which you know, who knows what 215 00:11:13,520 --> 00:11:15,920 Speaker 1: your cash flow looks like at that point in time, 216 00:11:16,559 --> 00:11:18,520 Speaker 1: or you can trade in your vehicle and get a 217 00:11:18,559 --> 00:11:21,960 Speaker 1: new debt, which is what people in the finance industry 218 00:11:22,080 --> 00:11:24,319 Speaker 1: want you to do because it means that you are 219 00:11:24,480 --> 00:11:28,080 Speaker 1: staying in the debt ecosystem, benefiting them. And you think 220 00:11:28,120 --> 00:11:29,960 Speaker 1: that you're in the right position because you never had 221 00:11:30,000 --> 00:11:32,640 Speaker 1: to pay off the full debt, when in reality that 222 00:11:32,679 --> 00:11:35,040 Speaker 1: doesn't put you ahead. So I'm glad to hear that 223 00:11:35,160 --> 00:11:37,920 Speaker 1: you don't have a balloon, because sometimes they can prove 224 00:11:37,960 --> 00:11:41,320 Speaker 1: to be a little bit prickly. Yeah, anyway, that is 225 00:11:41,360 --> 00:11:44,600 Speaker 1: a side note. Did they offer you a balloon? 226 00:11:44,800 --> 00:11:48,840 Speaker 3: No? So I specifically chose a car and chose a 227 00:11:48,920 --> 00:11:52,760 Speaker 3: company that didn't have a balloon, because when I went shopping, 228 00:11:52,960 --> 00:11:56,480 Speaker 3: I decided that after looking at a few cars and 229 00:11:56,559 --> 00:11:58,880 Speaker 3: looking at my options, I decided that I did not 230 00:11:59,000 --> 00:12:01,080 Speaker 3: want to have a balloon. I just wanted to have 231 00:12:01,160 --> 00:12:03,160 Speaker 3: the full thing paid in five years. 232 00:12:03,320 --> 00:12:05,439 Speaker 1: Fair, all right, I do have to be really pervy 233 00:12:05,480 --> 00:12:07,680 Speaker 1: now though. You can't tell me that you spent fifty 234 00:12:07,679 --> 00:12:09,320 Speaker 1: two thousand dollars on a car and not tell me 235 00:12:09,400 --> 00:12:12,479 Speaker 1: what kind of car it is. What did you buy? 236 00:12:12,920 --> 00:12:16,120 Speaker 3: I feel like you might be disappointed. 237 00:12:17,040 --> 00:12:19,719 Speaker 1: Oh I'm not ever disappointed. I'm just real pervy. I 238 00:12:19,720 --> 00:12:22,960 Speaker 1: wouldn't know. I couldn't care less. It's all about your 239 00:12:23,040 --> 00:12:25,720 Speaker 1: money values and what you spend your money on, and 240 00:12:25,760 --> 00:12:27,720 Speaker 1: it sounds like you've made a decision that's in line 241 00:12:27,720 --> 00:12:29,800 Speaker 1: with those values. So ten out of ten, what have 242 00:12:29,840 --> 00:12:30,280 Speaker 1: you bought? 243 00:12:30,440 --> 00:12:33,320 Speaker 3: So I got a Honda crb Oh? 244 00:12:33,600 --> 00:12:35,280 Speaker 1: I thought you were gonna tell me it's like something 245 00:12:35,360 --> 00:12:38,640 Speaker 1: really disappointing, Like, oh, Victoria, I spent fifty two thousand 246 00:12:38,679 --> 00:12:41,319 Speaker 1: dollars on a Toyota Yaris and I would have been like, babe, 247 00:12:41,400 --> 00:12:42,640 Speaker 1: like that's not a good deal. 248 00:12:44,280 --> 00:12:47,400 Speaker 3: Yeah. No, I specifically chose this car because I do 249 00:12:47,480 --> 00:12:50,000 Speaker 3: want to have it for the next like fifteen years, 250 00:12:50,120 --> 00:12:51,920 Speaker 3: and I know that it'll be a good car when 251 00:12:51,920 --> 00:12:54,760 Speaker 3: I eventually have kids, and it'll sort of see me 252 00:12:54,840 --> 00:12:57,920 Speaker 3: out for the you know, a good chunk of my future. 253 00:12:58,120 --> 00:13:00,679 Speaker 1: She's a thinker. We'd love to see it all right. 254 00:13:00,760 --> 00:13:03,480 Speaker 1: Next question I have is talk to me. Do you 255 00:13:03,600 --> 00:13:04,880 Speaker 1: use shop back? Yes? 256 00:13:04,960 --> 00:13:08,800 Speaker 3: I do use shot back, So I think so far 257 00:13:09,000 --> 00:13:12,040 Speaker 3: i've made one hundred and forty four dollars. 258 00:13:12,480 --> 00:13:15,520 Speaker 1: I love this. What are you buying when you're purchasing 259 00:13:15,559 --> 00:13:16,559 Speaker 1: things on shop backs? 260 00:13:16,600 --> 00:13:20,040 Speaker 3: So we went overseas back in August. Most of that 261 00:13:20,240 --> 00:13:23,920 Speaker 3: comes from booking dot com actually from all our accommodation 262 00:13:24,640 --> 00:13:28,160 Speaker 3: and flights and clok and stuff activities. 263 00:13:28,320 --> 00:13:31,120 Speaker 1: Yeah, one hundred and forty four bucks is a fancy 264 00:13:31,240 --> 00:13:34,960 Speaker 1: dinner out that is definitely worth using it for. Yeah, 265 00:13:35,000 --> 00:13:37,760 Speaker 1: ten out of ten. L Right onto other good money habits. 266 00:13:37,800 --> 00:13:39,560 Speaker 1: I want to know, what do you think your best 267 00:13:39,600 --> 00:13:40,320 Speaker 1: money habit is? 268 00:13:41,000 --> 00:13:46,320 Speaker 3: So I've actually got a couple of good ones. So, 269 00:13:47,400 --> 00:13:51,040 Speaker 3: because I work in a jail, it is actually quite 270 00:13:51,120 --> 00:13:54,720 Speaker 3: a lot of effort to go out and buy lunch 271 00:13:55,080 --> 00:13:56,920 Speaker 3: or go out and get lunch because we have to 272 00:13:57,160 --> 00:13:59,160 Speaker 3: like we have to sign in, we have to get 273 00:13:59,160 --> 00:14:01,480 Speaker 3: our keys out, to get our alarm out, we have 274 00:14:01,559 --> 00:14:04,600 Speaker 3: to get our bags checked, get our body scanned. So 275 00:14:05,240 --> 00:14:08,440 Speaker 3: a good habit because of that is I always bring 276 00:14:08,480 --> 00:14:09,280 Speaker 3: my lunch to work. 277 00:14:09,600 --> 00:14:12,600 Speaker 1: Oh I love this, but not the reasons why I 278 00:14:12,640 --> 00:14:15,880 Speaker 1: feel like I hate going through airport security. Yeah, and 279 00:14:15,960 --> 00:14:18,240 Speaker 1: you've just explained that you have to do that every 280 00:14:18,280 --> 00:14:18,800 Speaker 1: day for a week. 281 00:14:19,160 --> 00:14:22,240 Speaker 3: Yeah. Yeah, So because of that, I'm saving money on 282 00:14:22,320 --> 00:14:23,920 Speaker 3: lunch because I'm always bringing lunch. 283 00:14:24,200 --> 00:14:28,160 Speaker 1: Yeah, that is very fair. All right, turning the table around, 284 00:14:28,200 --> 00:14:30,200 Speaker 1: I want to know what is your worst money habit, 285 00:14:30,280 --> 00:14:30,760 Speaker 1: my friend? 286 00:14:30,960 --> 00:14:34,720 Speaker 3: Okay, so it's actually something I used to do but 287 00:14:34,800 --> 00:14:40,120 Speaker 3: I am really working on. Before I read your first book, 288 00:14:40,280 --> 00:14:43,920 Speaker 3: I just had two bank accounts, which was I just 289 00:14:44,000 --> 00:14:46,800 Speaker 3: had my spendings and my savings account, and so each 290 00:14:46,840 --> 00:14:49,640 Speaker 3: fortnight I would just put like I don't know, like 291 00:14:49,960 --> 00:14:53,240 Speaker 3: six or seven hundred dollars just into my savings account. 292 00:14:53,280 --> 00:14:55,360 Speaker 3: But I never really had like a clear goal of 293 00:14:55,400 --> 00:14:56,720 Speaker 3: what I wanted to do with that. It was just 294 00:14:56,720 --> 00:14:59,400 Speaker 3: sort of sitting there. And so then towards the end 295 00:14:59,480 --> 00:15:02,480 Speaker 3: of each four at night, when like something would pop up, 296 00:15:02,520 --> 00:15:04,040 Speaker 3: like a friend would say, oh, do you want to 297 00:15:04,560 --> 00:15:06,960 Speaker 3: go out for dinner or go for brunch or something. 298 00:15:07,320 --> 00:15:08,720 Speaker 3: I'll look at my account and be like, oh, I 299 00:15:08,760 --> 00:15:11,400 Speaker 3: don't have much left in my spendings, or just transfer 300 00:15:11,520 --> 00:15:13,720 Speaker 3: from my savings. And so I went through like a 301 00:15:13,800 --> 00:15:18,120 Speaker 3: vicious cycle of transferring back and forth from spendings to savings. 302 00:15:18,160 --> 00:15:18,920 Speaker 1: Super common. 303 00:15:19,440 --> 00:15:23,840 Speaker 3: But since reading your first book, I actually have now 304 00:15:23,920 --> 00:15:27,400 Speaker 3: set up my bank accounts the way that you suggested, 305 00:15:28,320 --> 00:15:30,200 Speaker 3: and it's really working out for me. 306 00:15:30,640 --> 00:15:34,480 Speaker 1: Oh. I love to hear that. Obviously I'm a bit biased. 307 00:15:34,840 --> 00:15:37,360 Speaker 1: I do think that system works because not only did 308 00:15:37,360 --> 00:15:39,360 Speaker 1: I create it, but I use it all the time. 309 00:15:39,800 --> 00:15:42,680 Speaker 1: But it's honestly so fun to hear that other people 310 00:15:42,760 --> 00:15:44,400 Speaker 1: are using it. How long did it take you to 311 00:15:44,440 --> 00:15:46,360 Speaker 1: set all of that up and kind of get into 312 00:15:46,400 --> 00:15:47,040 Speaker 1: the swing of it. 313 00:15:47,160 --> 00:15:49,400 Speaker 3: Not long, Maybe like a couple of days. 314 00:15:49,720 --> 00:15:53,000 Speaker 1: Oh that's so quick. Yeah, and it's going well thus far. 315 00:15:53,160 --> 00:15:54,240 Speaker 1: I love to hear it. 316 00:15:54,520 --> 00:15:56,240 Speaker 3: Yeah, it's going really well. Yeah. 317 00:15:56,440 --> 00:15:59,640 Speaker 1: Oh my gosh. All right, Well, last question before we 318 00:15:59,680 --> 00:16:02,200 Speaker 1: go to really quick break, because I have a billion 319 00:16:02,320 --> 00:16:05,960 Speaker 1: questions for you. What grade would you give your money habits? 320 00:16:06,000 --> 00:16:08,320 Speaker 1: If we forced you to give yourself a grade. 321 00:16:08,200 --> 00:16:09,080 Speaker 3: I would say a B. 322 00:16:09,680 --> 00:16:11,920 Speaker 1: Why would you say a BEE and what would it 323 00:16:11,960 --> 00:16:13,720 Speaker 1: take to get you to an A plus? 324 00:16:13,960 --> 00:16:17,040 Speaker 3: I would say a B because I think I have 325 00:16:17,360 --> 00:16:20,800 Speaker 3: some good money habits and I think that, like, I 326 00:16:20,920 --> 00:16:23,120 Speaker 3: kind of have clear goals and I know what I want, 327 00:16:23,160 --> 00:16:27,080 Speaker 3: and I'm kind of good at organizing my money and 328 00:16:27,160 --> 00:16:30,560 Speaker 3: my choices. But I think to get it to an A, 329 00:16:30,720 --> 00:16:34,360 Speaker 3: I would probably need to start investing and just taking 330 00:16:34,400 --> 00:16:35,360 Speaker 3: it to the next level. 331 00:16:35,800 --> 00:16:36,160 Speaker 2: Oh. 332 00:16:36,240 --> 00:16:38,960 Speaker 1: I feel like that's really achievable though, So it's not 333 00:16:39,000 --> 00:16:41,880 Speaker 1: as though you need to overcome heaps of adversity to 334 00:16:41,920 --> 00:16:44,120 Speaker 1: get there. I love that, and it sounds like you're 335 00:16:44,120 --> 00:16:45,800 Speaker 1: on exactly the right path. 336 00:16:46,120 --> 00:16:46,440 Speaker 3: Thank you. 337 00:16:47,520 --> 00:16:49,160 Speaker 1: Oh my gosh. All right, let's go to a really 338 00:16:49,280 --> 00:16:51,560 Speaker 1: quick break because I want to know a little bit 339 00:16:51,600 --> 00:16:54,040 Speaker 1: more about your money story. You mentioned that you moved 340 00:16:54,080 --> 00:16:57,960 Speaker 1: out of home and interstate at seventeen with just one suitcase, 341 00:16:58,160 --> 00:17:00,240 Speaker 1: So don't go anywhere. We're going to dive into that 342 00:17:00,440 --> 00:17:07,399 Speaker 1: right after this quick break. All right, money diarist, I 343 00:17:07,480 --> 00:17:10,880 Speaker 1: want to jump back into it asap because I feel 344 00:17:10,960 --> 00:17:13,399 Speaker 1: like in our first set of questions we really didn't 345 00:17:13,440 --> 00:17:15,359 Speaker 1: cover this at all, but you wrote it as the 346 00:17:15,400 --> 00:17:18,679 Speaker 1: first sentence in your message to us. You said, I 347 00:17:18,760 --> 00:17:21,800 Speaker 1: moved out of home and interstate at seventeen with just 348 00:17:22,000 --> 00:17:27,239 Speaker 1: one suitcase. What happened? Why when we're how give us 349 00:17:27,240 --> 00:17:31,080 Speaker 1: some context because it sounds like now you're absolutely flourishing. 350 00:17:31,520 --> 00:17:34,440 Speaker 1: But that doesn't sound like a story where you would 351 00:17:34,520 --> 00:17:36,600 Speaker 1: expect to be in the position you were in today. 352 00:17:36,720 --> 00:17:37,320 Speaker 1: Am I right? 353 00:17:37,880 --> 00:17:43,600 Speaker 3: Yeah, that's right. Yeah, Look, it's actually not as gloomy 354 00:17:43,680 --> 00:17:45,360 Speaker 3: as like it kind of sounds. 355 00:17:46,359 --> 00:17:48,760 Speaker 1: Oh, you just tried to click bait me. I see you, 356 00:17:48,920 --> 00:17:51,960 Speaker 1: I see you trying to get on the show, trying 357 00:17:52,000 --> 00:17:53,919 Speaker 1: to get on the show by giving me a juicy 358 00:17:54,000 --> 00:17:56,520 Speaker 1: story and then tell me it's not so juicy. But 359 00:17:56,640 --> 00:17:58,640 Speaker 1: let us know what happened. 360 00:17:59,200 --> 00:18:02,040 Speaker 3: Yeah, So I finished high school when I was seventeen, 361 00:18:02,720 --> 00:18:05,280 Speaker 3: and then my parents sort of pushed me to move out. 362 00:18:05,320 --> 00:18:07,679 Speaker 3: They were like, you know, like it's time for you 363 00:18:07,720 --> 00:18:09,679 Speaker 3: to move on. It'd be really great for you to 364 00:18:09,960 --> 00:18:13,200 Speaker 3: go to this UNI. It's you know, across the state. 365 00:18:13,840 --> 00:18:15,960 Speaker 3: You know, we've kind of already enrolled you. 366 00:18:17,040 --> 00:18:19,560 Speaker 1: Oh my gosh, this is not the story I expected. 367 00:18:19,840 --> 00:18:23,520 Speaker 3: Yeah, so, yeah, this was like, so I finished high 368 00:18:23,560 --> 00:18:28,400 Speaker 3: school in like November, and then by February the following year, 369 00:18:29,320 --> 00:18:32,719 Speaker 3: I had moved into state, and I flew because I 370 00:18:32,760 --> 00:18:35,400 Speaker 3: was going to be living in Dawns at UNI, So 371 00:18:35,640 --> 00:18:39,360 Speaker 3: all I could take was one twenty kilo suitcase. And 372 00:18:39,680 --> 00:18:42,800 Speaker 3: that's kind of how I started, Yeah, living in a 373 00:18:42,800 --> 00:18:45,720 Speaker 3: different state from my parents, and I have not moved back. 374 00:18:47,240 --> 00:18:50,920 Speaker 1: Oh my gosh, that's such a big move. You're now 375 00:18:50,960 --> 00:18:54,960 Speaker 1: twenty five. You work in a jail. Did you ever 376 00:18:55,080 --> 00:18:58,600 Speaker 1: think that as a nurse, that's where you saw yourself? Like, 377 00:18:58,680 --> 00:19:01,600 Speaker 1: I feel like that's quite neat nursing if I'm honest. 378 00:19:01,720 --> 00:19:03,640 Speaker 3: Look, I didn't even know it was a thing. 379 00:19:03,800 --> 00:19:05,560 Speaker 1: Neither did I until you wrote into me. 380 00:19:06,680 --> 00:19:09,960 Speaker 3: Um Still in my final year of nursing, I had 381 00:19:10,280 --> 00:19:12,240 Speaker 3: I think it was like my second or third last 382 00:19:12,240 --> 00:19:15,399 Speaker 3: place when I had three weeks at a juvenile center, 383 00:19:16,000 --> 00:19:19,199 Speaker 3: and I absolutely loved it. I love the team, I 384 00:19:19,280 --> 00:19:22,760 Speaker 3: love the staff. I loved the sort of work that 385 00:19:22,800 --> 00:19:26,960 Speaker 3: they did. And the manager at the time wrote me 386 00:19:26,960 --> 00:19:30,320 Speaker 3: a letter of recommendation for my new grad to apply 387 00:19:30,720 --> 00:19:34,160 Speaker 3: with Justice Health. So that's yeah kind of what I did. 388 00:19:34,320 --> 00:19:37,280 Speaker 1: Oh my gosh, how exciting. I feel like that's such 389 00:19:37,280 --> 00:19:40,320 Speaker 1: a special area to be in as well, because not 390 00:19:40,359 --> 00:19:43,720 Speaker 1: only is it confronting and I would argue quite diverse 391 00:19:43,760 --> 00:19:45,800 Speaker 1: in the issues that you would see because it's not 392 00:19:45,920 --> 00:19:49,520 Speaker 1: just a GP clinic, right You akin to to like, oh, 393 00:19:49,560 --> 00:19:51,679 Speaker 1: it's like kind of being a nurse in a GP setting, 394 00:19:51,680 --> 00:19:53,679 Speaker 1: but it's not really because you've got emergency and then 395 00:19:53,680 --> 00:19:56,639 Speaker 1: you've got mental health on top of that. Like is 396 00:19:56,720 --> 00:19:59,240 Speaker 1: this something that you had to get extra training for 397 00:19:59,400 --> 00:20:02,000 Speaker 1: or like how many different areas of your nursing degree 398 00:20:02,040 --> 00:20:03,439 Speaker 1: are you using at the moment. 399 00:20:04,080 --> 00:20:07,639 Speaker 3: Yeah, So what I found is that, like I pretty 400 00:20:07,680 --> 00:20:11,960 Speaker 3: much learned most of what I know on the job. Like, yes, 401 00:20:12,359 --> 00:20:15,760 Speaker 3: at UNI, I learned like all the theory and that 402 00:20:15,840 --> 00:20:18,480 Speaker 3: kind of thing at UNI, But when I started the 403 00:20:18,560 --> 00:20:21,960 Speaker 3: job was when I've really learned sort of everything. Yeah. 404 00:20:22,040 --> 00:20:24,920 Speaker 3: So I've been given lots of opportunities through my work 405 00:20:24,920 --> 00:20:28,560 Speaker 3: as well. So I've become an authorized nurse immunizer, so 406 00:20:28,600 --> 00:20:32,560 Speaker 3: I've done the immunization course. I've done pathology so I 407 00:20:32,600 --> 00:20:36,480 Speaker 3: can tape gloves, and I've done like CPR assess the 408 00:20:36,560 --> 00:20:40,520 Speaker 3: course so I can assess people doing CPR. I've done 409 00:20:40,720 --> 00:20:44,520 Speaker 3: like preceptor course so where I can sort of nurture 410 00:20:44,760 --> 00:20:48,159 Speaker 3: and be that support person for new stuff coming on. 411 00:20:48,600 --> 00:20:51,880 Speaker 3: So I've been given lots of opportunities through my job 412 00:20:51,920 --> 00:20:54,680 Speaker 3: at the moment to sort of expand my skills as well. 413 00:20:55,200 --> 00:20:59,080 Speaker 1: Yeah. Wow, I feel like that's such a diverse space 414 00:20:59,160 --> 00:21:01,800 Speaker 1: to go into because obviously it's kind of like its 415 00:21:01,800 --> 00:21:05,960 Speaker 1: own ecosystem in a way. Yeah, it's not necessarily you going, 416 00:21:06,000 --> 00:21:08,639 Speaker 1: oh my gosh, this is a particular area of nursing. 417 00:21:08,640 --> 00:21:11,120 Speaker 1: I want like you would just get exposed to so much. 418 00:21:12,040 --> 00:21:15,800 Speaker 1: In saying that, I feel like that might weigh heavily 419 00:21:15,880 --> 00:21:18,840 Speaker 1: on your own mental health. How does that work? How 420 00:21:18,840 --> 00:21:21,000 Speaker 1: are you looking after yourself in what I would argue 421 00:21:21,000 --> 00:21:23,399 Speaker 1: as a relatively taxing mentally job. 422 00:21:23,800 --> 00:21:26,760 Speaker 3: Yeah. So, I think one of the good things about 423 00:21:26,800 --> 00:21:29,800 Speaker 3: where I work is that because I have to go 424 00:21:30,160 --> 00:21:34,199 Speaker 3: specifically into work, I can sort of differentiate home and 425 00:21:34,359 --> 00:21:37,440 Speaker 3: work because I'm actually going to work and work there 426 00:21:37,520 --> 00:21:39,560 Speaker 3: and then I'm leaving it there and then coming home. 427 00:21:40,000 --> 00:21:40,480 Speaker 1: Yeah. 428 00:21:40,560 --> 00:21:43,120 Speaker 3: And the other thing is because it's a jail, we're 429 00:21:43,119 --> 00:21:45,199 Speaker 3: not allowed to take our phones in with us, So 430 00:21:45,640 --> 00:21:48,119 Speaker 3: while I'm at work, I don't have any access to 431 00:21:48,160 --> 00:21:50,879 Speaker 3: the outside world. My phone's left in my car. And 432 00:21:50,920 --> 00:21:53,160 Speaker 3: then when I finish work, I go to my car, 433 00:21:53,280 --> 00:21:55,879 Speaker 3: and then that's when I sort of switch from you know, 434 00:21:56,440 --> 00:21:57,520 Speaker 3: home me to work me. 435 00:21:58,240 --> 00:22:01,600 Speaker 1: Yeah. I feel like that's on a so interesting because 436 00:22:01,600 --> 00:22:05,760 Speaker 1: it's not something that I've been confronted with before. This 437 00:22:05,880 --> 00:22:08,080 Speaker 1: is going to be a left field question, but if 438 00:22:08,080 --> 00:22:10,480 Speaker 1: I'm thinking it, I'm assuming a lot of other people 439 00:22:10,520 --> 00:22:14,240 Speaker 1: are thinking it as well. Does the idea that you know, 440 00:22:14,920 --> 00:22:18,000 Speaker 1: people in jail have potentially done some things that you 441 00:22:18,080 --> 00:22:22,240 Speaker 1: might not agree with ever impact your ability to look 442 00:22:22,320 --> 00:22:22,880 Speaker 1: after them? 443 00:22:23,280 --> 00:22:27,959 Speaker 3: Yeah? Yeah, I mean like sort of we try not 444 00:22:28,160 --> 00:22:30,480 Speaker 3: to know exactly what they've done, but of course you 445 00:22:30,560 --> 00:22:34,040 Speaker 3: get some high profile people in there, I mean, and 446 00:22:34,119 --> 00:22:36,600 Speaker 3: words spreads fast and you kind of find out. Yeah, 447 00:22:36,600 --> 00:22:39,760 Speaker 3: of course what they've done. But I just sort of 448 00:22:39,800 --> 00:22:43,280 Speaker 3: see it as I'm just there to look after their healthcare, 449 00:22:43,760 --> 00:22:47,119 Speaker 3: and you know it, actually it doesn't affect me or 450 00:22:47,160 --> 00:22:50,600 Speaker 3: matter what they've done, because at that moment, I'm just 451 00:22:50,640 --> 00:22:53,440 Speaker 3: there to look at them as you know, a patient 452 00:22:53,840 --> 00:22:57,480 Speaker 3: and how I can help them with their health care. 453 00:22:57,320 --> 00:23:00,159 Speaker 1: At that time. Yeah. And I think that that's a 454 00:23:00,160 --> 00:23:03,639 Speaker 1: really important delineation to make because I think I would 455 00:23:03,640 --> 00:23:06,760 Speaker 1: really struggle in that circumstance to be like, oh, I 456 00:23:06,840 --> 00:23:08,959 Speaker 1: need to help you, but I don't really want to 457 00:23:09,040 --> 00:23:12,600 Speaker 1: because you don't sound like the kindest human on the 458 00:23:12,640 --> 00:23:15,199 Speaker 1: other side of this money diarist, I feel like the 459 00:23:15,320 --> 00:23:18,160 Speaker 1: other concern I have, because we're basically best friends now, 460 00:23:18,359 --> 00:23:20,359 Speaker 1: is you're going to work every day in a jail. 461 00:23:20,520 --> 00:23:23,720 Speaker 1: How are you keeping safe? Like, is this something that 462 00:23:23,880 --> 00:23:26,080 Speaker 1: your job is a little bit more risky because of 463 00:23:26,160 --> 00:23:29,120 Speaker 1: its location or is there extra security or how does 464 00:23:29,160 --> 00:23:29,959 Speaker 1: that work for you? 465 00:23:30,359 --> 00:23:33,439 Speaker 3: Yes, So with our job, we will never be just 466 00:23:33,560 --> 00:23:36,880 Speaker 3: alone one on one with a patient, So we have 467 00:23:37,320 --> 00:23:40,560 Speaker 3: officers around us at all times, so it'll never just 468 00:23:40,680 --> 00:23:42,880 Speaker 3: be a nurse and a patient. It will be a nurse, 469 00:23:42,920 --> 00:23:46,000 Speaker 3: an officer, and a patient at all times. So whenever 470 00:23:46,080 --> 00:23:48,679 Speaker 3: we go, even if we go to an emergency, we 471 00:23:48,880 --> 00:23:52,119 Speaker 3: can't get to the patient even if they're you know, 472 00:23:53,040 --> 00:23:56,200 Speaker 3: needing CPR on the ground, until an officer is present. 473 00:23:56,320 --> 00:24:00,000 Speaker 3: So it's always safety first, right, And we also carry 474 00:24:00,240 --> 00:24:02,960 Speaker 3: a juress alarm on us, so that's attached to a 475 00:24:03,000 --> 00:24:05,840 Speaker 3: belt on us, and that's a tilt alarm as well, 476 00:24:05,960 --> 00:24:09,560 Speaker 3: so if you bend over, that alarm will go off, 477 00:24:09,840 --> 00:24:12,720 Speaker 3: so if you're in a sticky situation you can sort 478 00:24:12,720 --> 00:24:14,879 Speaker 3: of discreetly use that as well. 479 00:24:15,080 --> 00:24:18,439 Speaker 1: Oh my god, what how does that work? So what 480 00:24:18,600 --> 00:24:20,880 Speaker 1: happens if you just, you know, bend over to pick 481 00:24:20,920 --> 00:24:22,800 Speaker 1: up the pen you dropped. I would do that three 482 00:24:22,840 --> 00:24:23,880 Speaker 1: million times a day. 483 00:24:24,600 --> 00:24:27,080 Speaker 3: Yeah, so we kind of learn to bend with our 484 00:24:27,160 --> 00:24:31,520 Speaker 3: knees when you first start there. It's often set off 485 00:24:31,520 --> 00:24:35,080 Speaker 3: a false alarm quite a lot, which is quite annoying 486 00:24:35,119 --> 00:24:37,199 Speaker 3: for them. But yeah, it happens quite a lot, and 487 00:24:37,320 --> 00:24:39,320 Speaker 3: especially going to the toilet as well. 488 00:24:39,520 --> 00:24:41,520 Speaker 1: You know, yeah, so we do. 489 00:24:41,760 --> 00:24:44,359 Speaker 3: Like the way I wear mine is I don't have 490 00:24:44,480 --> 00:24:47,080 Speaker 3: my belt looped around through my pants. I just have 491 00:24:47,160 --> 00:24:49,720 Speaker 3: it sitting on top of my pants and then so 492 00:24:50,240 --> 00:24:52,720 Speaker 3: like this sounds weird, but when I go to the toilet, 493 00:24:52,840 --> 00:24:55,879 Speaker 3: I just sort of lift up and hold my belt. 494 00:24:56,200 --> 00:24:59,359 Speaker 1: Yeah, okay, that makes sense, so it doesn't yell. So 495 00:24:59,440 --> 00:25:02,359 Speaker 1: what you're saying is if this tilts, you will literally 496 00:25:02,720 --> 00:25:04,920 Speaker 1: have an alarm goal elf that I'm assuming it is 497 00:25:04,960 --> 00:25:07,600 Speaker 1: a silent alarm that then says you're in trouble and 498 00:25:07,720 --> 00:25:08,600 Speaker 1: need a hand. 499 00:25:08,520 --> 00:25:10,800 Speaker 3: That's right, And then you'll have like a team of 500 00:25:10,800 --> 00:25:13,280 Speaker 3: officers running to the toilet or running to wherever you 501 00:25:13,320 --> 00:25:14,760 Speaker 3: are to see what's going on. 502 00:25:15,000 --> 00:25:19,000 Speaker 1: Oh my gosh, one I would be in trouble all 503 00:25:19,040 --> 00:25:22,119 Speaker 1: the time. But true. That's kind of intelligent that you 504 00:25:22,200 --> 00:25:25,600 Speaker 1: can just set it off by tipping over. Yeah. 505 00:25:25,760 --> 00:25:28,000 Speaker 3: Yeah, you can also set it off by pressing the 506 00:25:28,000 --> 00:25:28,760 Speaker 3: big red button. 507 00:25:28,840 --> 00:25:31,000 Speaker 1: That would help you. But I just have this idea 508 00:25:31,040 --> 00:25:32,800 Speaker 1: in my head that if ever you were in a pickle, 509 00:25:32,840 --> 00:25:35,560 Speaker 1: you would just play dad and it would work for you. Like, 510 00:25:35,720 --> 00:25:38,040 Speaker 1: that's that's great, all right. I'm going to take these 511 00:25:38,080 --> 00:25:40,399 Speaker 1: places that it shouldn't go for a money diary, so 512 00:25:40,480 --> 00:25:43,520 Speaker 1: I think we might leave it their money diarist. Thank 513 00:25:43,560 --> 00:25:46,000 Speaker 1: you so much for your story. Not only have I 514 00:25:46,080 --> 00:25:49,400 Speaker 1: learned a lot about the correctional facility that you work in, 515 00:25:49,800 --> 00:25:51,679 Speaker 1: I feel like I've learned a lot about you and 516 00:25:51,760 --> 00:25:54,439 Speaker 1: your goals and what you're working towards. And I just 517 00:25:54,480 --> 00:25:56,800 Speaker 1: feel like this has been a really interesting money diary. 518 00:25:56,920 --> 00:25:59,000 Speaker 1: So thank you so much for joining us. 519 00:25:59,160 --> 00:25:59,959 Speaker 3: Thanks for having me. 520 00:26:00,160 --> 00:26:03,239 Speaker 1: Oh my gosh. Well, unfortunately, guys, that is all we 521 00:26:03,320 --> 00:26:06,080 Speaker 1: have time for today. We will see you guys on Wednesday. 522 00:26:12,200 --> 00:26:14,760 Speaker 1: The advice shared on She's on the Money is general 523 00:26:14,800 --> 00:26:18,640 Speaker 1: in nature and does not consider your individual circumstances. She's 524 00:26:18,720 --> 00:26:22,159 Speaker 1: on the Money exists purely for educational purposes and should 525 00:26:22,200 --> 00:26:25,360 Speaker 1: not be relied upon to make an investment or financial decision. 526 00:26:25,760 --> 00:26:28,200 Speaker 1: If you do choose to buy a financial product, read 527 00:26:28,240 --> 00:26:32,320 Speaker 1: the PDS TMD and obtain appropriate financial advice tailored towards 528 00:26:32,400 --> 00:26:35,680 Speaker 1: your needs. Victoria Divine and She's on the Money are 529 00:26:35,720 --> 00:26:40,760 Speaker 1: authorized representatives of Money. Sheper Pty Ltd ABN three two 530 00:26:40,760 --> 00:26:44,720 Speaker 1: one six four nine two seven seven zero eight AFSL 531 00:26:44,880 --> 00:26:51,960 Speaker 1: four five one two eight nine