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Speaker 1: Hello.

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Speaker 2: My name's Sanatasha Nabananga Bamblet. I'm a proud yor the

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Speaker 2: Order Kerni Whaltbury and a waddery woman. And before we

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Speaker 2: get started on She's on the Money podcast, I would

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Speaker 2: like to acknowledge the traditional custodians of the land of

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Speaker 2: which this podcast is recorded on a wondery country, acknowledging

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Speaker 2: the elders, the ancestors and the next generation coming through

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Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impactful tomorrow.

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Speaker 3: Let's get into it.

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Speaker 4: She's on the Money, She's on the Money.

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Speaker 1: Hello, and welcome to She's on the Money the podcast

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Speaker 1: let's you be pervy about other people's money habits for

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Speaker 1: educational purposes of course. Welcome back to another one of

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Speaker 1: our money daries where I get the absolute privilege of

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Speaker 1: sitting down and talking to one of our incredible She's

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Speaker 1: on the Money community members all about their journey. I

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Speaker 1: got an email this week and it sounded exactly like this, Hi,

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Speaker 1: She's on the Money. At thirty six, things were pretty settled,

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Speaker 1: married toddler at home, another baby on the way and

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Speaker 1: a mortgage in Melbourne. But in January we made a

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Speaker 1: huge call. We packed up our life and moved to

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Speaker 1: the US for my husband's job at a startup. I

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Speaker 1: left behind my career and income to become a full

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Speaker 1: time mum and we now get the fun part of

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Speaker 1: paying tax in two countries. It's a big gamble. If

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Speaker 1: the startup takes off, we could be looking at paying

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Speaker 1: off our house and setting ourselves up for life right now,

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Speaker 1: though we're in that messy middle part, hoping that the

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Speaker 1: risk really does pay off. Money Doris, this is so

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Speaker 1: exciting to talk to you. I have so many questions.

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Speaker 1: Welcome to the show. Thank you, thank you, and thanks

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Speaker 1: for doing this across the world. I mean it is

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Speaker 1: what it's one pm for me and I think eight pm.

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Speaker 3: For you, eight pm last night, eightpm.

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Speaker 1: Like she's living in the past. She's living in the past.

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Speaker 3: Yeah, we are a little bit in the past here.

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Speaker 1: I love that. All right, let's get into it. As always,

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Speaker 1: I ask every single money diarist the same question to

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Speaker 1: start the show, Money Dorist. If I asked you to

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Speaker 1: give your money habits a grade from A three to F,

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Speaker 1: what grade would you give them?

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Speaker 3: Probably a B or B minus. Okay, we went too

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Speaker 3: bad and then yeah, we've made this big gamble, which

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Speaker 3: I don't know could be a good money habit could not.

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Speaker 1: That doesn't mean that you're bad at money. That doesn't

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Speaker 1: mean that at all. But I need to know more.

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Speaker 1: Can you tell me a little bit more about your

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Speaker 1: money story.

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Speaker 3: Yeah, So my husband and I have very different money stories,

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Speaker 3: which has been interesting at times. So I grew up

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Speaker 3: in what I consider like quite a well off family.

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Speaker 3: We didn't really want for anything. When I was kind

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Speaker 3: of in grade five, though, we made this big call

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Speaker 3: and the whole family moved to ironically enough, America for

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Speaker 3: three years while my dad did his masters. Yeah, it's

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Speaker 3: a little bit of history repeating itself. And so we

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Speaker 3: went from being in a very good position to having

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Speaker 3: really no money. He didn't earn anything, my mom didn't

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Speaker 3: earn anything, and that was a really big shock for

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Speaker 3: all of us, but I think a really good lesson.

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Speaker 3: And then when we came back, things are a little

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Speaker 3: bit tough at the start, and my parents were very

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Speaker 3: good at age appropriate information about you know, we can't

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Speaker 3: just go and get this because we're a little tight

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Speaker 3: at the moment, because we've had to put some money here,

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Speaker 3: but he's that paid off for them as well. And

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Speaker 3: then things got much better again and we went back

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Speaker 3: to that kind of more well off lifestyle, which has

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Speaker 3: been good that we got that little bit in the

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Speaker 3: middle where I was like, oh, money doesn't just come

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Speaker 3: really easily. It can be there and then it can go,

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Speaker 3: and sometimes you've got to make a sacrifice to get

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Speaker 3: a head in life.

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Speaker 1: It's actually such a good lesson, especially at that age.

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Speaker 1: Like it might not have felt super comfortable, but like

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Speaker 1: in retrospect, I'm assuming you're like, hold on, that was

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Speaker 1: actually a really valuable lesson.

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Speaker 3: Yeah, no, it was not comfortable at all, but no,

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Speaker 3: it was a really good lesson because I think otherwise

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Speaker 3: I could have definitely gone down a path of like privileged,

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Speaker 3: where I didn't really realize how hard do you have

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Speaker 3: to work with things. Whereas my husband's from the exact

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Speaker 3: other side, where he grew up with not quite as

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Speaker 3: well off a family and he's had to work very

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Speaker 3: hard for what he's got. So I think we kind

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Speaker 3: of mesh quite well because I've had that experience, So.

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Speaker 1: Tell me a bit more, like I'm just so pervy,

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Speaker 1: and thankfully this is anonymous, So I get to be's start, right,

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Speaker 1: So your husband not growing up in such a well

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Speaker 1: off family. It does, I won't say surprise me, but

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Speaker 1: it just doesn't seem as on brand to then be

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Speaker 1: making really big, risky decisions like moving to the US,

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Speaker 1: because usually if you've had a little bit of, like,

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Speaker 1: you know, a financially tumultuous upbringing, you're usually a bit

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Speaker 1: more about the stability. Do you think his money story

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Speaker 1: has changed? Are you like kind of pushing him to

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Speaker 1: get out of his comfort zone? Like how does someone

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Speaker 1: who grew up in that situation then be comfortable to

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Speaker 1: go Let's go to another country, babe?

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Speaker 3: Absolutely, I think. I mean I don't want to.

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Speaker 1: Take full credit, but you're the ringleader.

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Speaker 3: Yeah. When he was like, oh, I've been asked to

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Speaker 3: move to the States, I was like, let's do it.

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Speaker 3: I mean, there's lots of considerations, but my immediate thought

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Speaker 3: was like, we have to do this, Like it's something

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Speaker 3: he's always wanted to do. We have to do it.

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Speaker 3: He's also very close with my parents, and so he

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Speaker 3: knows that story about us also packing up and going

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Speaker 3: away for a few years and coming back in the

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Speaker 3: payoff that that had so even though it didn't come

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Speaker 3: from his family, he has seen that in family. That

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Speaker 3: makes sense.

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Speaker 1: Yeah, that's very cool. Tell me a little bit more

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Speaker 1: about this move, Like that happened at the start of

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Speaker 1: the year for you guys, how quick was the turnaround?

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Speaker 1: Because you said in January we made the call. But

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Speaker 1: it's now like midyear and you already live there, You're

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Speaker 1: set up, you have kids overseas. Like that just feels

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Speaker 1: like a massive change. Talk me through how you moved

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Speaker 1: to a different country on I would say relatively short notice.

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Speaker 3: Yeah, so actually we made the call in so he's

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Speaker 3: worked for his company for a few years and he

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Speaker 3: came back from a work trip in August and was like,

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Speaker 3: I've been to move. We took about a month to

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Speaker 3: really well convince him that it was going to happen

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Speaker 3: and work through all of the financials and his salary

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Speaker 3: and all of that, because it was all going to

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Speaker 3: change moving here. And then by the time we could

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Speaker 3: have moved within a month of us making the decision,

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Speaker 3: but then it got close to Christmas, so we thought,

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Speaker 3: let's let's do Christmas at home. Yeah, let's do Christmas

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Speaker 3: at home. And also just found out I was pregnant

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Speaker 3: because moving overseas was not enough craziness and I didn't

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Speaker 3: really want to move first trimester anyway. And so yeah,

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Speaker 3: we made the call to wait until late January so

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Speaker 3: we could have that time with family, get over the

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Speaker 3: first trimester, and then yeah, start the year fresh.

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Speaker 1: So does that mean you're about to have another baby?

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Speaker 3: Yeah in July. So I'm one of my thirty three weeks.

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Speaker 1: Oh. I was like trying to do the maths in

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Speaker 1: my head, and I was like first trimesteric. No one

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Speaker 1: wants to do anything in their first trimester like that

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Speaker 1: is that's a ride off.

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Speaker 3: So we moved out of our house six weeks before

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Speaker 3: we left and moved in with my parents. The same

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Speaker 3: week we moved, I was seven weeks pregnant and got gastro.

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Speaker 1: No, no, that should be illegal.

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Speaker 3: It was just the worst. Like we've moved a few times,

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Speaker 3: and that was the worst experience of my life. It

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Speaker 3: was horrendous.

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Speaker 1: No thank you, no thing I'd like I remember that

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Speaker 1: for me, and I just really wish I could cut out,

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Speaker 1: you know what, not the whole thing. That's fine, but

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Speaker 1: maybe from week five to eleven, like they don't have

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Speaker 1: to exist.

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Speaker 3: That's fine, it wasn't great, and gastro on top of

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Speaker 3: it was just the icing on the cake.

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Speaker 1: That's rude, because do you know if it's morning sickness

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Speaker 1: or gastro or like a mix of both, or like

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Speaker 1: how do you decipher?

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Speaker 3: Well, I rang my obsttrician marks, like I think I've

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Speaker 3: got really bad morning sickness, and she's like, oh, you

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Speaker 3: didn't last time, and also going from nothing to not

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Speaker 3: being able to keep any liquid down in like two hours,

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Speaker 3: not morning sickness.

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Speaker 1: Yeah, yeah, okay, So tell me, does that mean that

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Speaker 1: you're going to have a baby in the American healthcare system?

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Speaker 3: It does, and it also means i'll be an American citizen.

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Speaker 1: Oh that's kind of cool, isn't it? Dual citizenship baby.

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Speaker 3: Well, actually we have to apply for the Australian one,

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Speaker 3: which is a bit of a process as well as

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Speaker 3: I'm learning, but they'll be automatically yeah Americans.

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Speaker 1: That's crazy.

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Speaker 3: When we come back to visit again at Christmas, she

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Speaker 3: probably won't be Australian yet, which is really weird.

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Speaker 1: Oh my goodness, that's actually kind of Oh I find

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Speaker 1: that kind of crazy.

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Speaker 3: No, I find that very very strange. Yeah, navigating the

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Speaker 3: US healthcare system. That's been a steep learning curve as well.

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Speaker 1: So can I ask you a little bit about that

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Speaker 1: because I'm so per like, it's obviously astronomically more expensive.

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Speaker 1: Did you go through the private or the public system

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Speaker 1: with your first baby?

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Speaker 3: Private?

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Speaker 1: Yeah, so you went through private, which in Australia, you know,

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Speaker 1: not absolutely necessary. I did it as well, and I

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Speaker 1: felt like all of the reasons that most people picked

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Speaker 1: private were the reasons I picked it. But did you

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Speaker 1: go private in America? Like, how does their health insurance

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Speaker 1: work over there? Because I'm assuming when your husband moves

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Speaker 1: you got insurance as a part of his job.

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Speaker 3: Yeah, we were really lucky. His work paid for our

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Speaker 3: Australian health insurance to start with, which they thought was

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Speaker 3: a great bargain because our health insurance here now for

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Speaker 3: three of us is forty thousand US dollars. Yeah.

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Speaker 1: Wild, No, that's crazy and there's like different hold on,

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Speaker 1: hold on, backtrack. I just had to swallow that information.

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Speaker 1: It's costing your husband's company forty thousand dollars a year

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Speaker 1: for three people for health insurance in America? Yes, oh yeah,

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Speaker 1: you didn't stut o, Okay, sorry.

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Speaker 3: No, no, no, that's correct, and there's different tiers, but

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Speaker 3: we just kind of went with the best one because

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Speaker 3: we don't know anything else, which is expensive for them,

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Speaker 3: but it's actually cheaper for us to have her here

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Speaker 3: because of the level of cover that we've got. So

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Speaker 3: it's the way we're doing It is basically the same

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Speaker 3: as the private system in Australia. So I've got my

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Speaker 3: own obstetrician. We're going to what is a very bougie

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Speaker 3: American hospital. We walked in and I was like, oh,

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Speaker 3: this is what you see in the movies, Like, oh,

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Speaker 3: is it really a gallery or a hospital. Yeah, it's very,

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Speaker 3: very different to anywhere I've been before. But it's actually

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Speaker 3: going to be cheaper to have our baby here.

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Speaker 1: I love that for you because that could have been

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Speaker 1: a significant financial burden, which is why I was asking.

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Speaker 1: I was like, I have all of these questions, but

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Speaker 1: just the idea, which is.

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Speaker 3: Why there was a lot of stress when we moved,

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Speaker 3: and I kept asking these questions, and so my husband

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Speaker 3: told his boss very early in the piece that I

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Speaker 3: was pregnant because his boss is like, why are you

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Speaker 3: so hung up on health insurance.

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Speaker 1: Because she's pregnant, babe? Yeah, why do you know what,

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Speaker 1: Like sometimes you don't want to tell people early, but

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Speaker 1: like that would have taken a weight off everyone's shoulders

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Speaker 1: because they're probably thinking, is he just trying to come

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Speaker 1: up with every excuse under the sun to not move,

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Speaker 1: Like is this man just like clutching its straws? But

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Speaker 1: the reality was that's actually really important for us right now.

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Speaker 3: Yeah, because if you don't have good health insurance, like

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Speaker 3: it is very expensive. My husband ended up in an

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Speaker 3: emergency here. He had a skiing accident, and his part

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Speaker 3: of the bill was three hundred and fifty dollars. That's

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Speaker 3: pretty good, but the hospital charged insurance sixty thousand.

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Speaker 1: What those numbers for me are just astronomical, Like there's

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Speaker 1: no way that that's what it costs, Like, there's just no.

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Speaker 3: Way, absolutely not. We've seen just for like little visits,

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Speaker 3: like a physio I think charged insurance fifteen hundred dollars

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Speaker 3: to insurance. We pay ten percent of that, So that's.

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Speaker 1: Okay, yeah, but that's also crazy. It's crazy. So you've

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Speaker 1: already made money on the health insurance side of things.

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Speaker 1: I love that for you. Guys talk to me about

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Speaker 1: the cost of moving though, so often when we hear

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Speaker 1: that people are moving overseas for roles, especially to the US,

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Speaker 1: they'll often like pay for your flights and accommodation. They'll

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Speaker 1: like pay for your removal US cost. Like what was

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Speaker 1: covered for you guys.

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Speaker 3: Yeah, so a lot of that was covered. So our

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Speaker 3: lawyer vis a lawyer was covered for all three of us.

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Speaker 3: Our flights were covered. We didn't ship that much stuff,

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Speaker 3: but shipping was covered. A hotel for I think we're

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Speaker 3: in a hotel for a week that was covered, and

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Speaker 3: a little bit of furniture came out of that allowance

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Speaker 3: as well as well as a very expensive tax consult

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Speaker 3: to figure out the tax situation in both countries.

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Speaker 1: Yeah, so talk to me a little bit about that

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Speaker 1: tax situation because you mentioned that you're paying tax in

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Speaker 1: both countries, which from my perspective is a little bit

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Speaker 1: more complex and probably tells me that your husband might

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Speaker 1: be a little bit more intertwined in this startup than

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Speaker 1: just a salary and payg employee. Is that a correct assumption.

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Speaker 3: Yes and no. So his package is salary plus options,

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Speaker 3: which also gets complicated because it's a startup, so he

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Speaker 3: actually can't sell the options at the moment.

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Speaker 1: It's nice to have, but you can mainly just talk

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Speaker 1: about them.

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Speaker 3: Yeah, but it also means we don't have to pay

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Speaker 3: tax on them, so that is good. They sit there,

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Speaker 3: We ignore them except for when we get home sick

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Speaker 3: and we fantasize about what happens when they best.

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Speaker 1: Yeah, yeah, perfect.

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Speaker 3: Don't want to get two technical, but there's a treaty

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Speaker 3: between Australia and America, and basically, you.

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Speaker 1: Pay the top tax rate in either country and you're

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Speaker 1: not going to get double taxed.

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Speaker 3: You're not going to get double tax. But the tax

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Speaker 3: rate in America is lower. So we'll pay tax here

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Speaker 3: and then we'll submit our Australian tax return and then

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Speaker 3: we do the top up tax because we're still considered

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Speaker 3: Australian tax residents because we own a house in Australia

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Speaker 3: and our visa shows an intent to return to Australia.

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Speaker 3: He also pays for private health insurance in Australia that

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Speaker 3: he obviously can't use because we live in a different country.

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Speaker 3: But because of the Medicare levy.

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Speaker 1: Searcharge I was about to say, the Medicare levy did

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Speaker 1: not leave you out, No.

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Speaker 3: It did not. So he pays for the cheapest health

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Speaker 3: insurance that he could find one.

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Speaker 1: Hundred percent, because otherwise it doesn't financially make sense.

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Speaker 3: No, for me it was less important, but on his

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Speaker 3: salary it was.

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Speaker 1: Oh no, it just does not make sense. Because for

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Speaker 1: those of you following along at home, if you earn

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Speaker 1: more than ninety thousand dollars Australian and you don't have

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Speaker 1: private health insurance after the age of thirty, you have

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Speaker 1: to pay the Medicare levy searcharge. And for some people

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Speaker 1: they just go, well, it doesn't matter either way because

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Speaker 1: I'm just like, bang on ninety thousand dollars. But once

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Speaker 1: you start earning more than that, the surcharge is more

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Speaker 1: than private health insurance costs, at which point you'd prefer

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Speaker 1: to just pay private health insurance and essentially save some money,

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Speaker 1: which makes sense as to why he's paying it. But

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Speaker 1: that must just be like a little bit annoying.

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Speaker 3: A little bit yeah, annoying.

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Speaker 1: I mean, when you do finally come back home to Australia,

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Speaker 1: it means that there won't be any loading for having

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Speaker 1: not had private health insurance for that period of time,

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Speaker 1: So like, not the end of the world. I'm trying

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Speaker 1: to reframe it so it looks really nice for you,

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Speaker 1: because I'd be annoyed.

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Speaker 3: No, it's just one of those, like so many annoying, frustrating,

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Speaker 3: little extra expenses that popped up that we didn't realize,

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Speaker 3: even like, you know, coming here, you know we've got

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Speaker 3: a bit of a furniture allowance, but we had to

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Speaker 3: buy more stuff, which we totally expected. But even the

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Speaker 3: first month we were here, there was it takes a

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Speaker 3: while to get an American bank account, so he didn't

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Speaker 3: actually get paid for the first month. So we were

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Speaker 3: paying everything for this first month in Aussie dollars, which

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Speaker 3: is not a good exchange rate. At the moment it

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Speaker 3: was nearly double.

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Speaker 1: Yeah, and that would have got you. Is it hard

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Speaker 1: the exchange rate? Are you finding that, yes, the exchange

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Speaker 1: rate is challenging, or are you finding it relatively easy?

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Speaker 1: Talk to me about that.

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Speaker 3: Not so much anymore, because we are in USD now

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Speaker 3: and we're paying for everything in USD like we just

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Speaker 3: work in US dollars, but we do still have an

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Speaker 3: austream mortgage. Sometimes we have to send money back there.

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Speaker 3: So when it was really low a few weeks ago,

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Speaker 3: we transferred a little bit extra, yes, we did, and

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Speaker 3: made a little bit of that we never picked things right,

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Speaker 3: but we managed to get it right at the bottom

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Speaker 3: of the exchange rate, so that was really really good

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Speaker 3: for us. But yeah, that's been a bit of a

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Speaker 3: learning curve, not as bad now that. Yeah, we work

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Speaker 3: mostly in US dollars.

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Speaker 1: Yeah. I was in the US now a couple of

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Speaker 1: years ago and I just I found myself even though

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Speaker 1: I had transferred money over to my wives card soil

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Speaker 1: was operating you in USD and I was paying things

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Speaker 1: in USD, I was still doing the mental like loopy

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Speaker 1: loop of mats to work out how much my Starbucks

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Speaker 1: coffee was costing. And I was like, oh, this is

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Speaker 1: making me sick. Do you still go this is astronomical?

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Speaker 1: Because I do feel like when you look at the

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Speaker 1: cost of living in America, it is much higher than

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Speaker 1: in Australia. Are you seeing that or feeling that or

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Speaker 1: what does that look like on a day to day basis?

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Speaker 3: It is, so I don't do that as much as

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Speaker 3: my husband does. I kind of I don't know. A

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Speaker 3: dollar is a dollar for me in my head, which

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Speaker 3: is probably a terrible way to go into it. But

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Speaker 3: there's definitely been things in a more expensive like I

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Speaker 3: mean groceries on a whole are probably more expensive. If

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Speaker 3: something costs five dollars in Australia, it costs five usd here,

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Speaker 3: so that would be more expensive. I'm in California. Electricity

360
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Speaker 3: is outrageously expensive here, so that was a shock.

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Speaker 1: Yeah.

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Speaker 3: We moved in winter. Our apartment hadn't been lived in

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Speaker 3: for a bit. It was cold. We pumped the heaters

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00:16:27,320 --> 00:16:29,800
Speaker 3: up and two weeks of electricity costs US six hundred

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Speaker 3: US dollars.

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Speaker 1: No, it didn't, Yes it did. Oh I would have cried.

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Speaker 3: I was like, we're going to have to go home.

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Speaker 3: We can't afford this.

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Speaker 1: We can't live this.

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Speaker 3: This is We have now rained that into about two

371
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Speaker 3: hundred and eighty dollars a month, which is huge.

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Speaker 1: That's a pretty good difference.

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Speaker 3: Yeah, we've been working hard on it. It's also getting

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Speaker 3: into summer here, so that helps.

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Speaker 1: Oh my goodness. I'm obsessed. I love like knowing the

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Speaker 1: ins and outs of travel and moving and just the

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Speaker 1: idea that you were like, oh at thirty six, I

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Speaker 1: did that because I don't know. I feel like I'm

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Speaker 1: thirty nearly thirty four, and I look at it and

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Speaker 1: I go, oh, like I've had a kid. I want

381
00:17:06,280 --> 00:17:08,280
Speaker 1: to have another kid. Like my husband and I have

382
00:17:08,359 --> 00:17:11,040
Speaker 1: careers here. I can never imagine moving. And then you're like, oh, no,

383
00:17:11,119 --> 00:17:12,800
Speaker 1: we did that at thirty six. I'm like, oh, so

384
00:17:12,880 --> 00:17:16,800
Speaker 1: there's still like opportunity to like do these big moves.

385
00:17:17,200 --> 00:17:19,479
Speaker 1: Let's talk about the money side of it though. You

386
00:17:19,560 --> 00:17:21,679
Speaker 1: said that you went from having a job in a

387
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Speaker 1: career here and you left that behind and now your

388
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Speaker 1: full time mum. Can I know what were you earning?

389
00:17:26,600 --> 00:17:28,600
Speaker 1: What if you like kind of hung up so that

390
00:17:28,760 --> 00:17:31,040
Speaker 1: you can make this big career move for your husband.

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Speaker 1: And then we're going to ask about his income.

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Speaker 3: Yeah, so I was earning one hundred and twenty five

393
00:17:34,960 --> 00:17:36,240
Speaker 3: thousand Australion dollars.

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00:17:36,280 --> 00:17:38,920
Speaker 1: Oh my god, pro routed to four days a week yep.

395
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Speaker 1: And what kind of career did you have?

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00:17:41,240 --> 00:17:43,080
Speaker 3: So? I worked in fundraising and philanthropy.

397
00:17:43,240 --> 00:17:46,919
Speaker 1: Oh, very cool. That's a very nice place to be

398
00:17:47,040 --> 00:17:48,359
Speaker 1: and how lovely.

399
00:17:48,359 --> 00:17:50,440
Speaker 3: It was fantastic. I really liked it.

400
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Speaker 1: Oh well, I'm sure you'll get back into that because like,

401
00:17:52,760 --> 00:17:55,439
Speaker 1: people who do that are few and far between, Like

402
00:17:55,480 --> 00:17:57,080
Speaker 1: I feel like there's not that many people who are

403
00:17:57,080 --> 00:17:57,560
Speaker 1: good at that.

404
00:17:57,800 --> 00:18:00,080
Speaker 3: No, but in America is a good country for that,

405
00:18:00,520 --> 00:18:02,879
Speaker 3: But there is so many things to weigh up with

406
00:18:02,960 --> 00:18:06,280
Speaker 3: me going back after this baby, including I don't want

407
00:18:06,280 --> 00:18:09,000
Speaker 3: to work full time, and America does not have a

408
00:18:09,040 --> 00:18:11,640
Speaker 3: good part time work culture, or really any part time

409
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Speaker 3: work culture, and childcare here is outrageously expensive.

410
00:18:15,400 --> 00:18:18,480
Speaker 1: And I've heard it's not how do I say this nicely,

411
00:18:18,960 --> 00:18:22,960
Speaker 1: not to the quality that you would expect either, So

412
00:18:23,119 --> 00:18:26,000
Speaker 1: like then finding a good place might be challenging.

413
00:18:26,160 --> 00:18:28,880
Speaker 3: It depends. Yeah, so some places are not so great,

414
00:18:28,920 --> 00:18:31,399
Speaker 3: some places are really good. And where I am, a

415
00:18:31,440 --> 00:18:32,720
Speaker 3: lot of people just have nanny's.

416
00:18:32,760 --> 00:18:34,800
Speaker 1: Oh okay, that would be expensive.

417
00:18:35,320 --> 00:18:38,840
Speaker 3: Yeah, so a nanny costs. A nanny for a single

418
00:18:39,000 --> 00:18:42,639
Speaker 3: child costs sixty thousand US dollars a year. And if

419
00:18:42,680 --> 00:18:45,000
Speaker 3: you do a nanny share so they look after two children,

420
00:18:45,160 --> 00:18:49,800
Speaker 3: I think it's about thirty five forty per person, which

421
00:18:49,800 --> 00:18:52,399
Speaker 3: I mean, it's insane, but it's also like it's their income,

422
00:18:52,760 --> 00:18:55,080
Speaker 3: like you were paying someone's whole rage but yeah.

423
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Speaker 1: One hundred percent. But like there's no government subsidies there.

424
00:18:58,880 --> 00:19:03,320
Speaker 3: No, So we've but a financially probably irresponsible decision. Our

425
00:19:03,359 --> 00:19:05,119
Speaker 3: daughter goes to daycare one day a week, even though

426
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Speaker 3: I'm a stay at home, mum, and it's one hundred

427
00:19:07,320 --> 00:19:08,800
Speaker 3: and seventy five US dollars a.

428
00:19:08,840 --> 00:19:11,800
Speaker 1: Day, Oh my goodness, And like, well, we could compare

429
00:19:11,840 --> 00:19:13,840
Speaker 1: it to Australia too. And I'm about to ask about

430
00:19:13,840 --> 00:19:16,560
Speaker 1: your husband's income because obviously I'm expecting it to be

431
00:19:16,600 --> 00:19:20,040
Speaker 1: good enough that you left the country, right, But the daycare,

432
00:19:20,280 --> 00:19:23,119
Speaker 1: if your husband earned that in Australia, I'm assuming you

433
00:19:23,160 --> 00:19:25,600
Speaker 1: wouldn't have got subsidies anyway. And like at the moment,

434
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Speaker 1: I think my daycare is now two hundred and fourteen

435
00:19:28,520 --> 00:19:31,560
Speaker 1: Australian a day, and like I'm not complaining about that

436
00:19:31,640 --> 00:19:33,879
Speaker 1: because you know, there's a lot that goes into that,

437
00:19:34,000 --> 00:19:35,879
Speaker 1: and I mean, you know, lots of people will be like, oh,

438
00:19:35,920 --> 00:19:38,080
Speaker 1: that's ridiculous, I pay like one hundred and ten or whatever.

439
00:19:38,440 --> 00:19:41,639
Speaker 1: But like, my day care fees are very reflective of

440
00:19:41,680 --> 00:19:44,560
Speaker 1: the area that we live in. Again privileged to live there.

441
00:19:44,600 --> 00:19:47,280
Speaker 1: But then it also includes things like all of his meals,

442
00:19:47,280 --> 00:19:49,520
Speaker 1: all of his nappies, all of his like formula, which

443
00:19:49,560 --> 00:19:52,320
Speaker 1: lots of places don't include and you have to. So

444
00:19:52,440 --> 00:19:55,280
Speaker 1: there's like good and bad. But like once you reach

445
00:19:55,320 --> 00:19:58,280
Speaker 1: a certain income level, even in Australia, you get no subsidies,

446
00:19:58,280 --> 00:20:00,560
Speaker 1: but I believe there's nothing at a bear minimum in

447
00:20:00,560 --> 00:20:01,520
Speaker 1: America at all?

448
00:20:01,680 --> 00:20:02,000
Speaker 4: Is there?

449
00:20:02,160 --> 00:20:03,960
Speaker 3: So? I mean I sharing where I am. I'm in

450
00:20:04,000 --> 00:20:07,280
Speaker 3: San Francisco, so it's a very kind of liberal city,

451
00:20:07,359 --> 00:20:09,920
Speaker 3: and if you are a very low income earner, then

452
00:20:09,960 --> 00:20:13,040
Speaker 3: there are some subsidies from the city, which is I

453
00:20:13,080 --> 00:20:15,080
Speaker 3: bely rare and not that common in other places in

454
00:20:15,119 --> 00:20:17,879
Speaker 3: the States. But we absolutely do not qualify for that.

455
00:20:18,280 --> 00:20:22,159
Speaker 3: I did try the little calculator just in case, Like

456
00:20:22,200 --> 00:20:24,080
Speaker 3: it cost me nothing to open a website.

457
00:20:24,240 --> 00:20:25,960
Speaker 1: No, I can have a little look.

458
00:20:26,040 --> 00:20:27,920
Speaker 3: You were looking at the answer I expected.

459
00:20:28,240 --> 00:20:31,480
Speaker 1: It's called wishful think you exactly talk to me. Now,

460
00:20:31,720 --> 00:20:34,000
Speaker 1: what does your husband earn and what does he do

461
00:20:34,080 --> 00:20:34,440
Speaker 1: for work?

462
00:20:34,520 --> 00:20:36,720
Speaker 3: And we're in San Francisco. He works in tech. He's

463
00:20:36,760 --> 00:20:38,080
Speaker 3: head of AI for his company.

464
00:20:38,160 --> 00:20:39,720
Speaker 1: Oh my god, that sounds spoogey.

465
00:20:40,040 --> 00:20:42,960
Speaker 3: Yeah, it's very cool and a little creepy. And he

466
00:20:43,200 --> 00:20:47,960
Speaker 3: earns two hundred and fifty five USD which I believe

467
00:20:48,119 --> 00:20:50,240
Speaker 3: is I checked earlier on the conversion it was about

468
00:20:50,240 --> 00:20:53,119
Speaker 3: three hundred and ninety six thousand Australian dollars, which is

469
00:20:53,119 --> 00:20:55,000
Speaker 3: not what he was earning in Australia. But you got

470
00:20:55,000 --> 00:20:56,960
Speaker 3: to pay rise to move here. His boss saw our

471
00:20:57,000 --> 00:20:57,879
Speaker 3: budget spreadsheet.

472
00:20:58,000 --> 00:20:59,840
Speaker 1: I love that and was like, you're going to need

473
00:20:59,880 --> 00:21:00,920
Speaker 1: a little bit more money.

474
00:21:01,119 --> 00:21:03,680
Speaker 3: Yeah. Well my husband was like, we're going to need

475
00:21:03,720 --> 00:21:05,280
Speaker 3: a little bit more money. Here's why.

476
00:21:05,480 --> 00:21:08,040
Speaker 1: And also like, I mean you've stepped back from earning

477
00:21:08,080 --> 00:21:10,320
Speaker 1: one hundred and twenty five thousand dollars so that he

478
00:21:10,359 --> 00:21:13,600
Speaker 1: can take this step up. You mentioned before that his

479
00:21:13,760 --> 00:21:17,720
Speaker 1: job is like salary plus options. What does options mean?

480
00:21:17,960 --> 00:21:21,840
Speaker 3: Yeah, so he has a share component to his compensation.

481
00:21:22,680 --> 00:21:25,800
Speaker 3: He was a very very early employee with this company,

482
00:21:25,880 --> 00:21:29,680
Speaker 3: so he's got a very good option package. But it's

483
00:21:29,720 --> 00:21:32,720
Speaker 3: a startup so at the moment, we can't actually access

484
00:21:32,800 --> 00:21:34,760
Speaker 3: those options or sell them.

485
00:21:34,640 --> 00:21:36,879
Speaker 1: Of course not, but it's nice to know that's why

486
00:21:37,280 --> 00:21:37,840
Speaker 1: it's going on.

487
00:21:38,040 --> 00:21:41,000
Speaker 3: That's what we're working towards. That we're working towards some

488
00:21:41,080 --> 00:21:43,280
Speaker 3: kind of event where we will then be able to.

489
00:21:43,440 --> 00:21:46,240
Speaker 1: Cash that in. Yeah, absolutely, one hundred percent. Like we're

490
00:21:46,240 --> 00:21:50,119
Speaker 1: thinking early Apple employee, Like I'm manifesting the same journey

491
00:21:50,119 --> 00:21:50,720
Speaker 1: for you guys.

492
00:21:50,880 --> 00:21:53,040
Speaker 3: Yeah. I think he was employee number like nine or ten.

493
00:21:53,280 --> 00:21:54,320
Speaker 1: Oh that's cool.

494
00:21:54,800 --> 00:21:57,760
Speaker 3: Yeah, So all the early kind of no one who

495
00:21:57,800 --> 00:22:01,040
Speaker 3: joins the company gets quie as good package anymore, because

496
00:22:01,040 --> 00:22:03,680
Speaker 3: that was kind of the extra compensation for he joined

497
00:22:03,720 --> 00:22:06,439
Speaker 3: it before they were even earning any money, so you know,

498
00:22:06,560 --> 00:22:09,080
Speaker 3: you could lose your job tomorrow. He's some like added

499
00:22:09,119 --> 00:22:10,600
Speaker 3: bonus if we actually do well.

500
00:22:10,760 --> 00:22:12,959
Speaker 1: That's crazy And can I be real pervy? What did

501
00:22:13,000 --> 00:22:16,440
Speaker 1: your husband do in Australia Because to go from you know,

502
00:22:16,880 --> 00:22:20,639
Speaker 1: working in Australia to working for a US startup as

503
00:22:20,640 --> 00:22:22,639
Speaker 1: the head of AI, like, I feel like that's just

504
00:22:22,920 --> 00:22:26,040
Speaker 1: not that much of a traditional pathway. Like what did

505
00:22:26,080 --> 00:22:27,960
Speaker 1: he study to get this opportunity?

506
00:22:28,240 --> 00:22:31,120
Speaker 3: So way back when it is bachelor, he did finance.

507
00:22:31,000 --> 00:22:32,240
Speaker 1: Very sexy, nice guy.

508
00:22:32,480 --> 00:22:36,840
Speaker 3: Yeah, he's very sexy, and then worked for government and

509
00:22:36,880 --> 00:22:41,240
Speaker 3: then decided that he didn't love that and he went

510
00:22:41,280 --> 00:22:45,119
Speaker 3: and did a master's in business analytics. It's not an MBA,

511
00:22:45,280 --> 00:22:49,240
Speaker 3: but like an MBUSA, and then he got some jobs

512
00:22:49,280 --> 00:22:52,959
Speaker 3: working in Australian startups and kind of data science, and

513
00:22:53,000 --> 00:22:55,000
Speaker 3: then literally came on a trip to the States and

514
00:22:55,040 --> 00:22:57,160
Speaker 3: he was like San Francisco's where it's at. I need

515
00:22:57,160 --> 00:22:59,560
Speaker 3: to work for a US company And he found this

516
00:22:59,680 --> 00:23:03,000
Speaker 3: job and he worked remote, started in data and then

517
00:23:03,000 --> 00:23:05,240
Speaker 3: it's kind of worked his way as the company has

518
00:23:05,280 --> 00:23:07,960
Speaker 3: grown into AI and as AI has grown.

519
00:23:07,840 --> 00:23:10,720
Speaker 1: That is very cool. I'm so like, I've just got

520
00:23:11,040 --> 00:23:13,600
Speaker 1: Maybe it's because my husband has a very similar role

521
00:23:13,640 --> 00:23:17,000
Speaker 1: in Australia, Like he's head of in a particular company

522
00:23:17,280 --> 00:23:20,760
Speaker 1: like data and analytics, and his background is econometrics, so

523
00:23:20,920 --> 00:23:22,560
Speaker 1: like he's also super nerdy.

524
00:23:22,640 --> 00:23:23,800
Speaker 3: They would get on very well.

525
00:23:23,880 --> 00:23:25,720
Speaker 1: Yes they would. And I'm vibing that you and I

526
00:23:25,760 --> 00:23:27,399
Speaker 1: would get on very well. And I'm like, well, we

527
00:23:27,480 --> 00:23:30,320
Speaker 1: probably have very similar tasting men. I'm like, oh, so

528
00:23:30,400 --> 00:23:33,000
Speaker 1: maybe we could move to San France, Steven.

529
00:23:33,040 --> 00:23:35,480
Speaker 3: It's so funny. So I found a mum's group here

530
00:23:35,520 --> 00:23:37,960
Speaker 3: and everyone not that many people who live in San

531
00:23:38,040 --> 00:23:41,119
Speaker 3: Francisco are from San Francisco. Everyone's moved here, and it

532
00:23:41,200 --> 00:23:42,800
Speaker 3: was like one of our first meetings. We all kind

533
00:23:42,800 --> 00:23:44,760
Speaker 3: of went around and said, like who we are and

534
00:23:44,840 --> 00:23:46,760
Speaker 3: what we do, and like why we moved here, And

535
00:23:46,800 --> 00:23:49,440
Speaker 3: if they weren't in tech, their partner was in tech,

536
00:23:49,880 --> 00:23:52,479
Speaker 3: except for one couple who were both lawyers, but one

537
00:23:52,560 --> 00:23:55,880
Speaker 3: works for Google. Talk to me about.

538
00:23:55,560 --> 00:23:58,040
Speaker 1: Big money goals. You've obviously made some pretty big I

539
00:23:58,040 --> 00:24:02,240
Speaker 1: guess money moves and literal moves. What is your big

540
00:24:02,320 --> 00:24:04,760
Speaker 1: financial plan. What are we currently working towards?

541
00:24:04,760 --> 00:24:07,520
Speaker 3: Paying off for Australian mortgage would be amazing. So we

542
00:24:07,560 --> 00:24:09,760
Speaker 3: own a house in Australia. We currently rent that out.

543
00:24:10,000 --> 00:24:12,800
Speaker 3: The rent doesn't cover the mortgage, but it wasn't like

544
00:24:13,080 --> 00:24:15,679
Speaker 3: we really liked the house and it financially didn't make

545
00:24:15,720 --> 00:24:18,439
Speaker 3: sense to sell it. So paying that off and we

546
00:24:18,440 --> 00:24:21,560
Speaker 3: would love for an exit event so that we can

547
00:24:21,640 --> 00:24:25,240
Speaker 3: sell our options. That would be amazing. And I say

548
00:24:25,240 --> 00:24:27,879
Speaker 3: our options because in the States, your partner has to

549
00:24:27,920 --> 00:24:30,200
Speaker 3: sign the Contracts and Options Form two.

550
00:24:30,280 --> 00:24:32,119
Speaker 1: So ha ha, my name's on it.

551
00:24:32,440 --> 00:24:34,239
Speaker 3: I moved to the other side of the world. They

552
00:24:34,280 --> 00:24:35,960
Speaker 3: also my options.

553
00:24:36,040 --> 00:24:38,280
Speaker 1: I'm sorry, I feel like your name deserves to be

554
00:24:38,359 --> 00:24:40,280
Speaker 1: on it. At this point. You gave up one hundred

555
00:24:40,280 --> 00:24:43,080
Speaker 1: and twenty five thousand dollars a year to move for

556
00:24:43,160 --> 00:24:45,600
Speaker 1: somebody else's career. And while we would do it for

557
00:24:45,680 --> 00:24:48,080
Speaker 1: our partner right now, you never know what the future holds.

558
00:24:48,080 --> 00:24:50,240
Speaker 1: I'm sorry. We need to also secure our own back.

559
00:24:50,520 --> 00:24:54,200
Speaker 1: Like sorry, that's the rules. Like we are in this together.

560
00:24:54,520 --> 00:24:56,320
Speaker 3: We are very much in this together.

561
00:24:56,600 --> 00:24:57,080
Speaker 5: I love that.

562
00:24:57,280 --> 00:24:58,920
Speaker 1: So we want an exit event. We want to pay

563
00:24:58,960 --> 00:25:00,719
Speaker 1: off our mortgage. What else do we want to do.

564
00:25:00,880 --> 00:25:02,640
Speaker 3: I mean really, we want to get to the point

565
00:25:02,680 --> 00:25:05,200
Speaker 3: where he can then start up his own thing, which

566
00:25:05,240 --> 00:25:07,360
Speaker 3: is what he really wants to do. So we're all

567
00:25:07,400 --> 00:25:11,000
Speaker 3: working towards him being able to. You know, he's hooked

568
00:25:11,000 --> 00:25:13,560
Speaker 3: on the startup thing now, he's a typical startup San

569
00:25:13,560 --> 00:25:16,120
Speaker 3: Francisco junkie. I mean, he'd love to do it in Melbourne,

570
00:25:16,119 --> 00:25:18,560
Speaker 3: back with family and friends. Our goal is to get

571
00:25:18,600 --> 00:25:19,000
Speaker 3: back there.

572
00:25:19,040 --> 00:25:21,359
Speaker 1: It just doesn't have the legs. It just doesn't have

573
00:25:21,480 --> 00:25:24,440
Speaker 1: the same ability to scale or scope.

574
00:25:24,200 --> 00:25:26,960
Speaker 3: He would because like now he's here making the connections

575
00:25:26,960 --> 00:25:29,040
Speaker 3: that he needs to make, it will be easier back there.

576
00:25:29,200 --> 00:25:30,280
Speaker 3: I won't need the funds.

577
00:25:30,000 --> 00:25:32,240
Speaker 1: To do it ote hundred percent, like and that stuff

578
00:25:32,280 --> 00:25:33,400
Speaker 1: is expensive.

579
00:25:33,920 --> 00:25:36,760
Speaker 3: It is. It is even just enough for him to

580
00:25:36,920 --> 00:25:39,960
Speaker 3: like pay even if I, like we move back and

581
00:25:40,000 --> 00:25:42,720
Speaker 3: I get a job that pays the same that again

582
00:25:42,760 --> 00:25:45,680
Speaker 3: doesn't cover our mortgage, so enough for him to have

583
00:25:45,720 --> 00:25:47,320
Speaker 3: there that we can just pay off our mortgage and

584
00:25:47,359 --> 00:25:49,880
Speaker 3: living expenses while he can do his own thing. That's

585
00:25:50,000 --> 00:25:51,280
Speaker 3: kind of what we're working towards.

586
00:25:51,359 --> 00:25:53,520
Speaker 1: Well, fingers crossed, let's go to a really quick break

587
00:25:53,520 --> 00:25:55,440
Speaker 1: because on the flip side, I've got a lot more

588
00:25:55,480 --> 00:25:58,359
Speaker 1: questions like, I just have more perviey questions, So guys

589
00:25:58,400 --> 00:26:04,400
Speaker 1: stick around, all right, money dice, So we are back.

590
00:26:04,480 --> 00:26:07,000
Speaker 1: You mentioned that you've got options, which are essentially shares

591
00:26:07,240 --> 00:26:10,959
Speaker 1: in the organization or the business that your husband works for,

592
00:26:11,000 --> 00:26:13,760
Speaker 1: which is very cool. Are you investing in any other way?

593
00:26:13,840 --> 00:26:15,000
Speaker 1: Like what does that look like?

594
00:26:15,240 --> 00:26:18,200
Speaker 3: Yes? Not as much as we were. So we've got

595
00:26:18,240 --> 00:26:21,639
Speaker 3: a Nabtude account with I think it's about nine thousand

596
00:26:21,680 --> 00:26:25,480
Speaker 3: dollars in it, and that's on a dividend reinvestment plan,

597
00:26:25,560 --> 00:26:28,480
Speaker 3: so that just keeps ticking over every quarter, and that

598
00:26:28,600 --> 00:26:31,440
Speaker 3: is specifically set aside for our kids so when they

599
00:26:31,760 --> 00:26:34,080
Speaker 3: the youngest one turns eighteen, they can split it and

600
00:26:34,119 --> 00:26:37,400
Speaker 3: they can whatever is in there is their's to help them.

601
00:26:37,600 --> 00:26:39,919
Speaker 3: And I've got I think it's four thousand dollars in

602
00:26:40,000 --> 00:26:43,919
Speaker 3: a superhero account that we used to put about two

603
00:26:44,000 --> 00:26:46,800
Speaker 3: hundred dollars a month in, but we're not at the moment. Oh,

604
00:26:46,840 --> 00:26:48,679
Speaker 3: and I've got some Telstra shares I've had since I

605
00:26:48,800 --> 00:26:49,480
Speaker 3: was like ten.

606
00:26:49,440 --> 00:26:51,960
Speaker 1: Oh, how do you end up with Telstra shares at ten?

607
00:26:52,160 --> 00:26:54,960
Speaker 3: I think it was ten maybe whenever they first came out.

608
00:26:55,119 --> 00:26:58,160
Speaker 3: My parents got me some. Oh that's cool, and I've

609
00:26:58,240 --> 00:27:00,200
Speaker 3: just again, I set them up as like a given

610
00:27:00,240 --> 00:27:02,119
Speaker 3: any reinvestment thing a few years ago, and they just

611
00:27:02,160 --> 00:27:04,560
Speaker 3: sit there ticking away. I could not tell you what

612
00:27:04,560 --> 00:27:07,159
Speaker 3: they're worth, but yeah, I've had them for a long

613
00:27:07,240 --> 00:27:08,040
Speaker 3: long time.

614
00:27:07,880 --> 00:27:10,960
Speaker 1: Literally since you were ten. That's actually very cool. I

615
00:27:11,000 --> 00:27:13,800
Speaker 1: mean that means that you beat Warren Buffett in terms

616
00:27:13,800 --> 00:27:16,520
Speaker 1: of early investing. He started at eleven and you started

617
00:27:16,520 --> 00:27:18,639
Speaker 1: at ten, so he can really just sit down and retire.

618
00:27:18,720 --> 00:27:18,840
Speaker 2: Now.

619
00:27:18,960 --> 00:27:20,480
Speaker 3: Yeah, he's probably doing a bit better at it than

620
00:27:20,520 --> 00:27:20,800
Speaker 3: I am.

621
00:27:20,840 --> 00:27:23,600
Speaker 1: But yes, yeah, I mean true, but he's ninety four.

622
00:27:23,640 --> 00:27:25,439
Speaker 1: You've got heaps of time, baby, you got heaps of

623
00:27:25,480 --> 00:27:26,320
Speaker 1: time exactly.

624
00:27:26,560 --> 00:27:28,320
Speaker 3: Yeah. And I was probably not as smart at him

625
00:27:28,320 --> 00:27:30,119
Speaker 3: as the start. Like I think it was like a

626
00:27:30,160 --> 00:27:32,280
Speaker 3: seventy dollars diven and I got every so often. I

627
00:27:32,359 --> 00:27:34,280
Speaker 3: just you know, thirteen year old me thought that was

628
00:27:34,320 --> 00:27:35,520
Speaker 3: so cool and I was so rich.

629
00:27:35,600 --> 00:27:36,800
Speaker 1: That is so cool.

630
00:27:37,080 --> 00:27:39,560
Speaker 3: In hindsight, I'm like, I wish i'd invested all of.

631
00:27:39,520 --> 00:27:42,240
Speaker 1: That back, But you know what hindsight is twenty twenty,

632
00:27:42,440 --> 00:27:44,800
Speaker 1: talk to me about what you're doing about your superannuations.

633
00:27:44,840 --> 00:27:46,639
Speaker 3: Well, you're away nothing.

634
00:27:46,920 --> 00:27:47,480
Speaker 1: That's cool.

635
00:27:47,640 --> 00:27:49,720
Speaker 3: Why because we can't afford to.

636
00:27:50,000 --> 00:27:52,080
Speaker 1: Yeah, that's so fair. I mean, you've got a baby

637
00:27:52,119 --> 00:27:54,200
Speaker 1: on the way, and while you do have a high income,

638
00:27:54,240 --> 00:27:57,239
Speaker 1: it sounds like you have a high living cost at

639
00:27:57,280 --> 00:28:00,359
Speaker 1: the moment as well, and a mortgage and all of

640
00:28:00,400 --> 00:28:02,879
Speaker 1: that other stuff. Have you at least set it to

641
00:28:03,080 --> 00:28:05,600
Speaker 1: the right profile and like checked in with them to

642
00:28:05,640 --> 00:28:07,359
Speaker 1: make sure that it's ticking along the way that it

643
00:28:07,400 --> 00:28:07,760
Speaker 1: needs to.

644
00:28:07,920 --> 00:28:10,280
Speaker 3: Yes, yeah, we still check it quite regularly. Mine is

645
00:28:10,600 --> 00:28:12,679
Speaker 3: I think I'm at like ninety thousand dollars, which is

646
00:28:13,080 --> 00:28:17,159
Speaker 3: pretty good, and my husband's at oh, I think two.

647
00:28:17,119 --> 00:28:18,359
Speaker 1: Hundred, very cool.

648
00:28:18,480 --> 00:28:20,200
Speaker 3: Yeah, so we can afford to sit back for a

649
00:28:20,240 --> 00:28:21,240
Speaker 3: few years with.

650
00:28:21,280 --> 00:28:23,520
Speaker 1: That, which is yeah easy. But you did think about

651
00:28:23,560 --> 00:28:25,560
Speaker 1: it like we might not be contributing, But we just

652
00:28:25,640 --> 00:28:27,800
Speaker 1: dotted all our eyes and crossed all our teas before

653
00:28:27,840 --> 00:28:28,440
Speaker 1: that happened.

654
00:28:28,520 --> 00:28:30,800
Speaker 3: Yeah, no, no, that was one of the many things

655
00:28:30,800 --> 00:28:33,160
Speaker 3: that we had to cross off our list before we left.

656
00:28:33,320 --> 00:28:35,720
Speaker 1: One hundred percent. Now, talk to me about debt. You

657
00:28:35,800 --> 00:28:39,360
Speaker 1: mentioned that you have a mortgage here in Australia. When

658
00:28:39,360 --> 00:28:40,600
Speaker 1: did you purchase your first home?

659
00:28:40,720 --> 00:28:42,960
Speaker 3: So it's actually our second, So we purchased our first.

660
00:28:43,000 --> 00:28:44,040
Speaker 1: Oh okay, big dog.

661
00:28:44,560 --> 00:28:46,440
Speaker 3: Yeah, little humble brag there.

662
00:28:46,560 --> 00:28:46,640
Speaker 2: No.

663
00:28:46,720 --> 00:28:50,040
Speaker 3: We purchased our first in March twenty twenty in Sydney.

664
00:28:50,080 --> 00:28:52,680
Speaker 3: It was an apartment. Our mortgage closed the day I

665
00:28:52,720 --> 00:28:55,800
Speaker 3: lost my job from COVID and my husband lost all

666
00:28:55,800 --> 00:28:56,400
Speaker 3: week later.

667
00:28:56,680 --> 00:28:58,480
Speaker 1: I would have just cried the whole week.

668
00:28:58,840 --> 00:28:59,960
Speaker 3: Yeah, I still drank the sham.

669
00:29:00,600 --> 00:29:03,000
Speaker 1: I would have too, Honestly, you've got to take whatever

670
00:29:03,080 --> 00:29:03,680
Speaker 1: win you can.

671
00:29:04,280 --> 00:29:06,480
Speaker 3: I was like, we just got to drown this. Yes,

672
00:29:06,720 --> 00:29:10,360
Speaker 3: so that was not ideal, but that was our first home.

673
00:29:10,400 --> 00:29:12,560
Speaker 3: And then that whole building sold to a developer for

674
00:29:13,080 --> 00:29:16,640
Speaker 3: quite a good profit, which helped us get into the

675
00:29:16,680 --> 00:29:19,560
Speaker 3: home we're in now. I will be completely transparent that

676
00:29:19,600 --> 00:29:21,840
Speaker 3: my parents paid the twenty percent deposit for that as

677
00:29:21,880 --> 00:29:24,400
Speaker 3: well and then helped us out very much great as well.

678
00:29:24,440 --> 00:29:27,560
Speaker 1: So talk to me like that's brilliant, But I actually

679
00:29:27,560 --> 00:29:30,880
Speaker 1: care more about the developer story. How does that happen?

680
00:29:30,960 --> 00:29:33,880
Speaker 1: So you closed on your first home, that's really exciting.

681
00:29:34,000 --> 00:29:36,360
Speaker 1: You bought an apartment and then what a developer knocks

682
00:29:36,400 --> 00:29:37,680
Speaker 1: on the door and says, we want to buy this

683
00:29:37,720 --> 00:29:40,480
Speaker 1: whole building and we're going to give you over market

684
00:29:40,520 --> 00:29:42,720
Speaker 1: for your apartment or like, how does that work?

685
00:29:42,800 --> 00:29:44,800
Speaker 3: That's exactly what happened. They said, we want to buy

686
00:29:44,840 --> 00:29:48,520
Speaker 3: this building, we want to develop it. It goes through strata.

687
00:29:48,560 --> 00:29:51,880
Speaker 3: I think they needed a seventy five percent approval like

688
00:29:52,040 --> 00:29:55,600
Speaker 3: resident approval to do it. It was something like ninety percent.

689
00:29:56,120 --> 00:29:58,120
Speaker 3: I think two apartments said they didn't want to do it,

690
00:29:58,160 --> 00:30:00,719
Speaker 3: but they got forced too. Oh yeah, and then they

691
00:30:00,760 --> 00:30:02,200
Speaker 3: paid us above market rate for it.

692
00:30:02,280 --> 00:30:03,480
Speaker 1: I mean, that's a good money win.

693
00:30:03,760 --> 00:30:07,640
Speaker 3: It was an amazing, amazing money when that was unexpected.

694
00:30:07,840 --> 00:30:10,200
Speaker 1: And then you're coming to purchase your second property and

695
00:30:10,240 --> 00:30:12,080
Speaker 1: I'm assuming some of the profits from that, and then

696
00:30:12,240 --> 00:30:14,440
Speaker 1: obviously your parents helped out, which is really cool. But

697
00:30:15,120 --> 00:30:17,240
Speaker 1: was that a family home? Was that another apartment?

698
00:30:17,320 --> 00:30:17,400
Speaker 3: Like?

699
00:30:17,400 --> 00:30:19,120
Speaker 1: Well, what did we buy a second time around?

700
00:30:19,120 --> 00:30:21,280
Speaker 3: Now? So that was a family home? So it's a

701
00:30:21,280 --> 00:30:23,920
Speaker 3: three bedroom townhouse in like inner Melbourne.

702
00:30:24,040 --> 00:30:27,840
Speaker 1: Oh, very cool? And what did you purchase that four ish?

703
00:30:28,120 --> 00:30:32,560
Speaker 3: That was in twenty twenty two and that was for

704
00:30:32,960 --> 00:30:35,120
Speaker 3: one point three two five million?

705
00:30:35,320 --> 00:30:37,959
Speaker 1: Very cool? And what do you reckon that's worth now?

706
00:30:38,000 --> 00:30:41,480
Speaker 1: Because I feel like the Melbourne market has slightly increased,

707
00:30:41,560 --> 00:30:43,360
Speaker 1: So one point three are we looking at like one

708
00:30:43,360 --> 00:30:43,840
Speaker 1: point six?

709
00:30:43,920 --> 00:30:46,600
Speaker 3: Maybe it's probably about the same to be honest, you reckon,

710
00:30:46,840 --> 00:30:49,000
Speaker 3: I reckon. It's probably about that because it dropped a bit,

711
00:30:49,240 --> 00:30:51,240
Speaker 3: and then it's now the interest rates are going down,

712
00:30:51,280 --> 00:30:53,680
Speaker 3: it might go up. I feel like it's yeah, I

713
00:30:53,720 --> 00:30:54,080
Speaker 3: don't know.

714
00:30:54,240 --> 00:30:56,080
Speaker 1: Well, I've got my fingers crossed for you.

715
00:30:56,320 --> 00:30:58,040
Speaker 3: Yeah, I mean, maur is always better.

716
00:30:58,240 --> 00:31:00,840
Speaker 1: Oh, I feel like the things. And this is coming

717
00:31:00,840 --> 00:31:03,920
Speaker 1: from a relatively educated perspective for those of you playing

718
00:31:03,920 --> 00:31:05,400
Speaker 1: along at home who might not know. I own a

719
00:31:05,400 --> 00:31:08,160
Speaker 1: mortgage broken company, so I talk about mortgages literally every

720
00:31:08,160 --> 00:31:11,080
Speaker 1: single day. I feel like a three bedroom townhouse in

721
00:31:11,120 --> 00:31:14,560
Speaker 1: Melbourne has been quite popular. Like the three bedrooms not two,

722
00:31:14,600 --> 00:31:17,960
Speaker 1: it's three would push you up a little bit more.

723
00:31:18,080 --> 00:31:20,320
Speaker 1: And as you probably know, when you purchased that for

724
00:31:20,360 --> 00:31:23,240
Speaker 1: what one point three to two, you were probably paying

725
00:31:23,640 --> 00:31:26,080
Speaker 1: more than you wanted to. But it was because it

726
00:31:26,120 --> 00:31:27,520
Speaker 1: had three bedrooms.

727
00:31:27,080 --> 00:31:31,720
Speaker 3: Right, yes, but also less because we were living in

728
00:31:31,760 --> 00:31:34,800
Speaker 3: Sydney at the time and property in Melbourne was way

729
00:31:34,880 --> 00:31:35,960
Speaker 3: cheaper than property in Sydney.

730
00:31:36,080 --> 00:31:38,640
Speaker 1: Oh yeah, so you've like reframed it to be very sexy.

731
00:31:38,840 --> 00:31:41,440
Speaker 3: We thought we're getting a great bargain. Meanwhile, all my

732
00:31:41,440 --> 00:31:42,880
Speaker 3: friends in Melbourne are like, you did what?

733
00:31:44,120 --> 00:31:44,440
Speaker 1: They what?

734
00:31:45,600 --> 00:31:45,680
Speaker 3: No?

735
00:31:45,760 --> 00:31:46,440
Speaker 1: That's a good deal.

736
00:31:46,520 --> 00:31:48,800
Speaker 3: I like it, but compared to Sydney way cheaper.

737
00:31:48,960 --> 00:31:52,320
Speaker 1: I love that for you. She's positive. So what's the

738
00:31:52,480 --> 00:31:55,960
Speaker 1: long term plan? Like we obviously you said before, I'd

739
00:31:55,960 --> 00:31:58,959
Speaker 1: love to pay off, you know, our entire Melbourne mortgage.

740
00:31:59,080 --> 00:32:01,400
Speaker 1: We want to have an exit. We'd love to essentially

741
00:32:01,440 --> 00:32:03,960
Speaker 1: get rich. But is the plan like the dream plan

742
00:32:04,040 --> 00:32:05,960
Speaker 1: to come home your husband gets to start off his

743
00:32:06,040 --> 00:32:09,280
Speaker 1: own startup in Melbourne, Like what does life hopefully look

744
00:32:09,360 --> 00:32:10,120
Speaker 1: like in the future.

745
00:32:10,240 --> 00:32:13,520
Speaker 3: That is a dream plan. Currently it's just survive because, yeah,

746
00:32:13,520 --> 00:32:16,080
Speaker 3: his income sounds high. But we also haven't touched on

747
00:32:16,160 --> 00:32:17,719
Speaker 3: the rent that we pay in San Francisco.

748
00:32:17,880 --> 00:32:20,240
Speaker 1: Oh could you tell us more about that please.

749
00:32:20,440 --> 00:32:23,680
Speaker 3: The third most expensive city in the world to live in. Gross, Yeah,

750
00:32:23,760 --> 00:32:26,920
Speaker 3: it is. Our rent is about four eight hundred USD

751
00:32:27,000 --> 00:32:30,520
Speaker 3: a month, which is about seven and a half thousand

752
00:32:30,560 --> 00:32:32,560
Speaker 3: Australian dollars for a two bedroom apartment.

753
00:32:32,560 --> 00:32:33,840
Speaker 1: I was about to say what does that get you?

754
00:32:33,880 --> 00:32:35,520
Speaker 1: And you said a two bedroom apartment. I was like,

755
00:32:35,640 --> 00:32:40,000
Speaker 1: wish I didn't ask yep, so is that normal? Have

756
00:32:40,080 --> 00:32:42,000
Speaker 1: you got like a really boogie apartment? Like, have you

757
00:32:42,080 --> 00:32:42,840
Speaker 1: got like a butler?

758
00:32:42,960 --> 00:32:43,040
Speaker 3: Like?

759
00:32:43,120 --> 00:32:45,840
Speaker 1: What's going on? With like that amount of money that is.

760
00:32:45,800 --> 00:32:49,800
Speaker 3: Normal, that is actually probably on the lower end. Right,

761
00:32:50,240 --> 00:32:52,720
Speaker 3: it's a nice apartment. It's not a super boogie apartment,

762
00:32:52,840 --> 00:32:55,520
Speaker 3: but it is also not a really crappy apartment.

763
00:32:55,640 --> 00:32:58,800
Speaker 1: Yeah, so talk to me about general living costs because

764
00:32:58,840 --> 00:33:00,480
Speaker 1: I think I'm a little bit shook about four and

765
00:33:00,520 --> 00:33:04,680
Speaker 1: a half thousand USDA for rent per month. Like, what's

766
00:33:04,760 --> 00:33:09,200
Speaker 1: groceries costing? What's like your average bills? Like, what does

767
00:33:09,240 --> 00:33:10,120
Speaker 1: all of that look like?

768
00:33:10,320 --> 00:33:14,880
Speaker 3: Groceries are about two hundred dollars a week. We eat

769
00:33:14,880 --> 00:33:17,040
Speaker 3: out Friday nights and maybe a couple of lunches on

770
00:33:17,080 --> 00:33:20,760
Speaker 3: the weekend, but that's probably another one hundred and fifty

771
00:33:21,080 --> 00:33:25,160
Speaker 3: dollars a week. Yeah. I mentioned electricity that's gotten cheaper.

772
00:33:25,720 --> 00:33:28,440
Speaker 3: We don't own a car here, so that is helpful.

773
00:33:28,720 --> 00:33:31,480
Speaker 3: Public transport here is also cheaper, which is really nice

774
00:33:31,640 --> 00:33:33,000
Speaker 3: and free for under nineteen.

775
00:33:33,200 --> 00:33:36,840
Speaker 1: Oh that's kind of cool. Yeah, yeah, very cool. Daycare

776
00:33:37,400 --> 00:33:40,000
Speaker 1: was one hundred and seventy five dollars a day.

777
00:33:40,760 --> 00:33:42,920
Speaker 3: Don't think of other expenses. I told it does a

778
00:33:42,920 --> 00:33:46,280
Speaker 3: couple of classes as well, so they're I think twenty

779
00:33:46,280 --> 00:33:48,520
Speaker 3: something dollars a class. But the city also does lots

780
00:33:48,520 --> 00:33:52,480
Speaker 3: of free kids activities here, which is fantastic. So we've

781
00:33:52,520 --> 00:33:55,200
Speaker 3: got some kind of regular freebies that we do as well.

782
00:33:55,320 --> 00:33:57,600
Speaker 1: Yeah, that is very cool. I feel like it all

783
00:33:57,760 --> 00:34:00,800
Speaker 1: adds up. Talk to me about when eating out, what's

784
00:34:00,840 --> 00:34:03,760
Speaker 1: tipping culture like, because I feel like that just gives

785
00:34:03,800 --> 00:34:04,680
Speaker 1: me anxiety.

786
00:34:04,840 --> 00:34:08,000
Speaker 3: Oh I hate tipping culture. I am the worst. I

787
00:34:08,040 --> 00:34:10,560
Speaker 3: am giving all the Australians a bad reputation. I am

788
00:34:10,680 --> 00:34:13,919
Speaker 3: so sorry. But no, I don't tip my hairdresser, even

789
00:34:13,960 --> 00:34:17,160
Speaker 3: though you apparently tip your hair dresser here. Tipping culture

790
00:34:17,200 --> 00:34:19,920
Speaker 3: is huge and I am terrible at it.

791
00:34:19,960 --> 00:34:22,640
Speaker 1: See, I just I get it for restaurants and stuff

792
00:34:22,680 --> 00:34:24,959
Speaker 1: like that because we know that they get really bad

793
00:34:25,000 --> 00:34:27,839
Speaker 1: minimum wages or whatever. But then it's like a hairdresser,

794
00:34:27,960 --> 00:34:29,920
Speaker 1: what do you mean, like are you on a bad

795
00:34:30,040 --> 00:34:31,560
Speaker 1: I just don't comprehend it.

796
00:34:31,560 --> 00:34:34,720
Speaker 3: I'm still paying you three hundred dollars to do my hair, like.

797
00:34:34,880 --> 00:34:38,480
Speaker 1: And that's three hundred USD like that's yes, yes, it

798
00:34:38,560 --> 00:34:40,400
Speaker 1: is five hundred and fifty Australian.

799
00:34:40,680 --> 00:34:43,240
Speaker 3: Oh let's add that expensive. Yeah there's the hair every

800
00:34:43,400 --> 00:34:47,400
Speaker 3: like eight weeks that I pay And no, so I

801
00:34:47,400 --> 00:34:51,239
Speaker 3: think some of the chipping I get, like the uberik drivers. Absolutely,

802
00:34:51,320 --> 00:34:53,520
Speaker 3: that is mostly how they earn their money tip them.

803
00:34:54,080 --> 00:34:56,880
Speaker 3: But I feel like it's gotten even since, like I

804
00:34:56,920 --> 00:34:59,719
Speaker 3: lived here when I was younger, it's gotten way more

805
00:34:59,719 --> 00:35:03,399
Speaker 3: excit and higher amounts. Now you buy a coffee and

806
00:35:03,760 --> 00:35:05,640
Speaker 3: it's like, would you like to tip twenty five percent

807
00:35:05,680 --> 00:35:08,719
Speaker 3: of your seven dollar coffee? Well? No, not really?

808
00:35:08,760 --> 00:35:11,759
Speaker 1: Actually yeah, I feel like I don't know. I just

809
00:35:12,480 --> 00:35:15,200
Speaker 1: I would say that I'm good at money, and that

810
00:35:15,320 --> 00:35:18,640
Speaker 1: just still makes me uncomfortable. I feel like, if anything,

811
00:35:18,719 --> 00:35:21,360
Speaker 1: when I was in the US a while ago, I

812
00:35:21,480 --> 00:35:24,759
Speaker 1: was over tipping because I didn't know exactly what to do,

813
00:35:24,800 --> 00:35:27,040
Speaker 1: and I just I'm such a people pleaser. I didn't

814
00:35:27,080 --> 00:35:30,440
Speaker 1: want to offend anybody. And then I'm like, oh what

815
00:35:30,480 --> 00:35:33,319
Speaker 1: am I doing? But if I lived there, that's not sustainable.

816
00:35:33,360 --> 00:35:34,080
Speaker 1: You can't do that.

817
00:35:34,239 --> 00:35:37,000
Speaker 3: No, I undertip because otherwise everything is like twenty five

818
00:35:37,000 --> 00:35:39,719
Speaker 3: percent more expensive and it's already more expensive.

819
00:35:39,960 --> 00:35:42,960
Speaker 1: Wild Oh my goodness, I have loved this. Talk to me,

820
00:35:43,239 --> 00:35:45,200
Speaker 1: what do you think your best money habit is?

821
00:35:45,520 --> 00:35:47,799
Speaker 3: We work quite good at saving, and I know if

822
00:35:47,800 --> 00:35:49,960
Speaker 3: we're so good at saving at the moment.

823
00:35:49,719 --> 00:35:52,080
Speaker 1: I feel like it's a bit challenging at the moment

824
00:35:52,760 --> 00:35:53,680
Speaker 1: it's a little.

825
00:35:53,400 --> 00:35:56,280
Speaker 3: Bit challenging at the moment, but we are very good,

826
00:35:56,520 --> 00:35:59,719
Speaker 3: I would say, at kind of choosing where we want

827
00:35:59,760 --> 00:36:02,160
Speaker 3: to buy things that are a bit more expensive and

828
00:36:02,360 --> 00:36:05,399
Speaker 3: where we find ways to save money or buy things

829
00:36:05,400 --> 00:36:06,759
Speaker 3: that are maybe on the cheaper end.

830
00:36:06,960 --> 00:36:10,280
Speaker 1: Yeah, smart, smart, What do you think your worst money

831
00:36:10,280 --> 00:36:12,920
Speaker 1: habit is? And I'm super interested in this because at

832
00:36:12,920 --> 00:36:14,840
Speaker 1: the start you said, oh, I think I'm a B

833
00:36:15,000 --> 00:36:17,359
Speaker 1: or a B minus and that's gone down. Like, I

834
00:36:17,400 --> 00:36:20,120
Speaker 1: just feel like you've got a reason for thinking your

835
00:36:20,280 --> 00:36:22,440
Speaker 1: money grade has gone down, and I need to know.

836
00:36:23,040 --> 00:36:25,879
Speaker 3: Oh Amazon, it's so easy here. You just like think

837
00:36:25,920 --> 00:36:29,200
Speaker 3: of something and then like suddenly it appears in your Amazon.

838
00:36:28,920 --> 00:36:30,839
Speaker 1: Order because it's like same day, isn't it.

839
00:36:31,040 --> 00:36:33,920
Speaker 3: Yeah, I'm like, oh, that pair of shoes is cute.

840
00:36:34,480 --> 00:36:37,000
Speaker 3: Oh it's arrived at two o'clock in the afternoon. And

841
00:36:37,080 --> 00:36:40,520
Speaker 3: I'm getting better at it. My husband is terrible, Like

842
00:36:40,680 --> 00:36:42,400
Speaker 3: we go over our budget every month and and he

843
00:36:42,400 --> 00:36:43,680
Speaker 3: gets to it and he's like, oh, we spent how

844
00:36:43,719 --> 00:36:45,680
Speaker 3: much on Amazon? And I'm like, yeah, because you were like, oh,

845
00:36:45,800 --> 00:36:47,560
Speaker 3: just do it, just at it. He's even got the

846
00:36:47,600 --> 00:36:49,799
Speaker 3: Amazon like credit card. He's like, oh, we got five

847
00:36:49,800 --> 00:36:51,920
Speaker 3: percent back on everything and points.

848
00:36:51,560 --> 00:36:54,560
Speaker 1: And oh my goodness, he's got got by the Amazon bug.

849
00:36:54,920 --> 00:36:57,879
Speaker 1: I order stuff on Amazon in Australia and I think

850
00:36:58,000 --> 00:37:01,480
Speaker 1: that's bad, but like in the UAY, i'd be unstoppable.

851
00:37:01,560 --> 00:37:04,040
Speaker 3: We did an Australia too, and it is just the

852
00:37:04,080 --> 00:37:06,879
Speaker 3: whole like next level here. Also, there's not a lot

853
00:37:06,880 --> 00:37:09,920
Speaker 3: of like shops. All of the shops are closing. In

854
00:37:10,040 --> 00:37:12,239
Speaker 3: San Francisco itself is doing a big push to like

855
00:37:12,280 --> 00:37:15,840
Speaker 3: bring retail back to the city because we got decimated

856
00:37:15,920 --> 00:37:18,440
Speaker 3: in COVID. But all across in America, like you know,

857
00:37:18,560 --> 00:37:21,240
Speaker 3: I'm pregnant, I'm having another baby. There are no baby stores.

858
00:37:21,640 --> 00:37:23,800
Speaker 3: You can't go look at baby things. There's a couple

859
00:37:23,840 --> 00:37:28,000
Speaker 3: of like small, super bougie ones and they're really expensive

860
00:37:28,040 --> 00:37:29,719
Speaker 3: areas where I was like, I just need to look

861
00:37:29,719 --> 00:37:32,040
Speaker 3: at cots. We're going to go, But.

862
00:37:32,360 --> 00:37:34,120
Speaker 1: Then you're like, I wish we never came.

863
00:37:34,320 --> 00:37:37,200
Speaker 3: Yeah, there's nothing. You know, my daughter grew out of

864
00:37:37,200 --> 00:37:39,759
Speaker 3: her pants all of a sudden, almost like overnight, and

865
00:37:39,880 --> 00:37:41,319
Speaker 3: there's a H and M in the city I could

866
00:37:41,360 --> 00:37:43,120
Speaker 3: get to, but that's the only place to really buy

867
00:37:43,200 --> 00:37:47,000
Speaker 3: kids clothes really, other than like online or if you

868
00:37:47,080 --> 00:37:50,759
Speaker 3: track like way out to the suburbs, which we have

869
00:37:50,760 --> 00:37:52,920
Speaker 3: a car. Are we not going to go an hour

870
00:37:52,960 --> 00:37:54,160
Speaker 3: on a bus to get to Walmart?

871
00:37:54,280 --> 00:37:54,480
Speaker 4: Yeah?

872
00:37:54,600 --> 00:37:55,160
Speaker 1: Crazy?

873
00:37:55,360 --> 00:37:56,760
Speaker 3: I miss clothes shopping in person?

874
00:37:56,920 --> 00:37:58,799
Speaker 1: Yeah, I feel like I would miss that as well.

875
00:37:58,840 --> 00:38:01,440
Speaker 1: So you reckon, that's your worst one habit and that's

876
00:38:01,480 --> 00:38:03,719
Speaker 1: why your money score has gone down. I feel like

877
00:38:03,760 --> 00:38:06,160
Speaker 1: you guys are killing it though, Like do you have

878
00:38:06,280 --> 00:38:08,440
Speaker 1: picked up your entire life at like thirty six and

879
00:38:08,480 --> 00:38:10,000
Speaker 1: been like, Nah, we're going to give it a crack.

880
00:38:10,040 --> 00:38:12,640
Speaker 1: We're going to go international, especially with kids, Like, girl,

881
00:38:12,640 --> 00:38:15,000
Speaker 1: you're giving me anxiety, Like I don't even want to

882
00:38:15,040 --> 00:38:17,880
Speaker 1: leave the house with my toddler sometimes, Like that's not me.

883
00:38:18,320 --> 00:38:19,719
Speaker 1: It sounds very attractive.

884
00:38:19,880 --> 00:38:22,160
Speaker 3: The flight was the easy part, I think because I'd

885
00:38:22,160 --> 00:38:24,480
Speaker 3: done it before. Like we were older, Like I was

886
00:38:24,880 --> 00:38:27,520
Speaker 3: ten when I moved. My youngest sibling was six, So

887
00:38:28,120 --> 00:38:30,640
Speaker 3: we were older when we moved. But like we've done it,

888
00:38:30,680 --> 00:38:33,120
Speaker 3: we've seen that it was it was feasible. Yeah, yeah,

889
00:38:33,160 --> 00:38:36,680
Speaker 3: it was feasible. And like she's young, she misses like

890
00:38:36,760 --> 00:38:39,600
Speaker 3: my parents terribly, but she sees every day on FaceTime

891
00:38:39,640 --> 00:38:42,320
Speaker 3: and she's living her best little life.

892
00:38:42,400 --> 00:38:44,120
Speaker 1: I love that for her. She's just a little San

893
00:38:44,160 --> 00:38:46,680
Speaker 1: Francisco baby, and she's going to have a San Francisco

894
00:38:46,760 --> 00:38:50,359
Speaker 1: sibling soon, an American sibling at that she will.

895
00:38:50,960 --> 00:38:52,600
Speaker 3: We took her on a cable car for the first

896
00:38:52,600 --> 00:38:55,400
Speaker 3: time on the weekend because she loves like trains and trams.

897
00:38:55,560 --> 00:38:57,760
Speaker 3: I think it was the best day of her entire life.

898
00:38:57,800 --> 00:38:58,759
Speaker 1: I love that for her.

899
00:38:59,239 --> 00:39:02,480
Speaker 3: Like she's a tray kid. She was waving at everyone

900
00:39:02,560 --> 00:39:04,680
Speaker 3: passing by like she was just the queen. She was

901
00:39:04,719 --> 00:39:06,799
Speaker 3: the queen she was, and every time it stopped, she'd

902
00:39:06,840 --> 00:39:09,440
Speaker 3: like clap like yay. It was just the best.

903
00:39:09,760 --> 00:39:13,320
Speaker 1: I love kids so much, it's ridiculous. I'm so excited

904
00:39:13,320 --> 00:39:16,319
Speaker 1: for you. Has she started to adopt an American accent yet?

905
00:39:16,440 --> 00:39:19,480
Speaker 3: No, not yet. She still has a very Australian accent.

906
00:39:19,600 --> 00:39:21,440
Speaker 3: Especially there's this thing over here about the way we

907
00:39:21,480 --> 00:39:25,279
Speaker 3: say the word no, no, yeah exactly, that's exactly how

908
00:39:25,320 --> 00:39:28,759
Speaker 3: she says it. So no, she hasn't yet, but we

909
00:39:28,800 --> 00:39:30,919
Speaker 3: play a lot of wiggles to keep that accent going.

910
00:39:31,040 --> 00:39:32,480
Speaker 1: Yeah good, I like that.

911
00:39:32,600 --> 00:39:33,879
Speaker 3: Yeah, I'm sure she'll get one.

912
00:39:34,040 --> 00:39:37,960
Speaker 1: Oh no, and little America that's coming soon. I definitely

913
00:39:38,000 --> 00:39:40,320
Speaker 1: think like they're just going to copy the American accent.

914
00:39:40,480 --> 00:39:41,719
Speaker 1: To begin with, she.

915
00:39:41,760 --> 00:39:44,120
Speaker 3: Will, Yeah, she'll just come out with it straight away.

916
00:39:44,239 --> 00:39:46,399
Speaker 1: Oh my goodness. So now that we've had a chat,

917
00:39:46,440 --> 00:39:47,840
Speaker 1: I feel like you said to your BEE or a

918
00:39:47,840 --> 00:39:49,880
Speaker 1: B minus. I don't know. I feel like you're doing

919
00:39:49,920 --> 00:39:52,800
Speaker 1: really well, especially for like the risk that you're taking

920
00:39:53,000 --> 00:39:54,960
Speaker 1: in the hope that it will pay off. And I

921
00:39:55,000 --> 00:39:57,279
Speaker 1: have no doubt that even if it's like not the

922
00:39:57,320 --> 00:39:59,360
Speaker 1: options that you thought it would be, like, it's a

923
00:39:59,600 --> 00:40:02,880
Speaker 1: I guess life changing experience that is arguably going to

924
00:40:02,880 --> 00:40:05,160
Speaker 1: pay off for the rest of your careers. Do you

925
00:40:05,160 --> 00:40:07,160
Speaker 1: really think like you're a B or a B minus

926
00:40:07,280 --> 00:40:09,200
Speaker 1: or like what would it take to get you guys

927
00:40:09,239 --> 00:40:10,680
Speaker 1: to an A? At this point.

928
00:40:10,760 --> 00:40:13,120
Speaker 3: I think it's just because it's so I feel like

929
00:40:13,120 --> 00:40:16,239
Speaker 3: we're in such a precarious position with like we are

930
00:40:16,320 --> 00:40:19,400
Speaker 3: kind of just covering expenses. You know, we have a

931
00:40:19,440 --> 00:40:21,319
Speaker 3: huge mortgage, we have a huge rent. There is a

932
00:40:21,520 --> 00:40:24,759
Speaker 3: tax bill coming at some point. I feel like, yeah,

933
00:40:24,800 --> 00:40:27,600
Speaker 3: if we knew that was all going to be fully okay,

934
00:40:27,880 --> 00:40:30,160
Speaker 3: then yeah, probably like an A. But it's just that

935
00:40:30,360 --> 00:40:31,879
Speaker 3: unknown is really.

936
00:40:31,719 --> 00:40:33,880
Speaker 1: Yeah, the unknown is very challenging.

937
00:40:34,080 --> 00:40:36,000
Speaker 3: Yeah, it just eats away at you a little bit

938
00:40:36,040 --> 00:40:37,840
Speaker 3: and you're like, oh, have we made the right choice.

939
00:40:37,920 --> 00:40:40,600
Speaker 1: I feel like even if financially you haven't made the

940
00:40:40,680 --> 00:40:43,319
Speaker 1: right choice, Like, what an experience for you guys, what

941
00:40:43,400 --> 00:40:46,120
Speaker 1: an experience for your kids? Like this is so cool,

942
00:40:46,280 --> 00:40:48,120
Speaker 1: but also like dual citizenship.

943
00:40:48,320 --> 00:40:51,680
Speaker 3: This is how I sold my husband. My biggest thing

944
00:40:51,760 --> 00:40:53,279
Speaker 3: was because he's like, oh, this could be a really

945
00:40:53,320 --> 00:40:55,640
Speaker 3: bad financial decision, and I was like, yeah, but I

946
00:40:55,640 --> 00:40:57,400
Speaker 3: don't want you to look back when you're sixty and

947
00:40:57,480 --> 00:40:59,799
Speaker 3: retiring and being like, oh, I wish i'd done that,

948
00:41:00,239 --> 00:41:02,239
Speaker 3: like I always I think you'd always.

949
00:41:01,920 --> 00:41:05,919
Speaker 1: Regret not having made the move. Yeah, yeah, exactly. I'm

950
00:41:06,000 --> 00:41:08,279
Speaker 1: excited for you guys. I hope you stay in touch

951
00:41:08,280 --> 00:41:09,839
Speaker 1: because I think that's really fun. And then when you're

952
00:41:09,840 --> 00:41:11,640
Speaker 1: in Melbourne, we can get our husbands together and they

953
00:41:11,640 --> 00:41:13,839
Speaker 1: can talk about data and analytics, and I think that

954
00:41:13,840 --> 00:41:15,239
Speaker 1: that would be very wholesome for them.

955
00:41:15,360 --> 00:41:17,680
Speaker 3: Oh he needs someone because he tries to talk to

956
00:41:17,719 --> 00:41:20,000
Speaker 3: me about like all the new models that are coming out,

957
00:41:20,400 --> 00:41:22,960
Speaker 3: and I'm just like, yeah, yeah, yeah, I have no idea.

958
00:41:23,120 --> 00:41:25,360
Speaker 1: It's so nice that you wrote algorithms all day. I

959
00:41:25,360 --> 00:41:26,400
Speaker 1: don't know what that means.

960
00:41:26,440 --> 00:41:29,880
Speaker 3: Thank you, exactly. I'm so glad you're so passionate about this,

961
00:41:30,120 --> 00:41:31,240
Speaker 3: but this is not my passion.

962
00:41:32,080 --> 00:41:34,200
Speaker 1: I love that money direst it. It has been a pleasure

963
00:41:34,280 --> 00:41:36,479
Speaker 1: getting to know you. Thank you for staying up late

964
00:41:36,600 --> 00:41:38,840
Speaker 1: and doing a money diary with me. I know the

965
00:41:38,880 --> 00:41:41,080
Speaker 1: community is going to love hearing this as much as

966
00:41:41,120 --> 00:41:43,760
Speaker 1: I loved interviewing you. It has been a pleasure.

967
00:41:43,840 --> 00:42:00,000
Speaker 5: Thank you, Thank you, Thank you.

968
00:42:26,000 --> 00:42:28,560
Speaker 1: Did buy shared or? Sheese on the Money is general

969
00:42:28,600 --> 00:42:32,439
Speaker 1: in nature and does not consider your individual circumstances. She's

970
00:42:32,520 --> 00:42:35,960
Speaker 1: on the Money exists purely for educational purposes and should

971
00:42:36,000 --> 00:42:39,160
Speaker 1: not be relied upon to make an investment or financial decision.

972
00:42:39,560 --> 00:42:42,000
Speaker 1: If you do choose to buy a financial product, read

973
00:42:42,040 --> 00:42:46,160
Speaker 1: the PDS TMD and obtain appropriate financial advice tailored towards

974
00:42:46,200 --> 00:42:49,480
Speaker 1: your needs. Victoria Divine and She's on the Money are

975
00:42:49,560 --> 00:42:54,239
Speaker 1: authorized representatives of Money. Sheper Pty Ltd a BN three

976
00:42:54,360 --> 00:42:57,600
Speaker 1: two one six four nine two seven seven zero eight

977
00:42:57,880 --> 00:43:01,520
Speaker 1: AFSL four five one two eight nine