1
00:00:00,680 --> 00:00:01,000
Speaker 1: Hello.

2
00:00:01,560 --> 00:00:05,040
Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud Yr the

3
00:00:05,160 --> 00:00:08,760
Speaker 2: Order Kerney Whalbury and a waddery woman. And before we

4
00:00:08,800 --> 00:00:11,440
Speaker 2: get started on She's on the Money podcast, I would

5
00:00:11,520 --> 00:00:14,520
Speaker 2: like to acknowledge the traditional custodians of the land of

6
00:00:14,560 --> 00:00:18,680
Speaker 2: which this podcast is recorded on a wondery country, acknowledging

7
00:00:18,680 --> 00:00:22,560
Speaker 2: the elders, the ancestors and the next generation coming through

8
00:00:23,040 --> 00:00:27,159
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

9
00:00:27,240 --> 00:00:30,600
Speaker 2: the storytelling of you to make a difference for today

10
00:00:31,040 --> 00:00:32,640
Speaker 2: and lasting impact for tomorrow.

11
00:00:33,320 --> 00:00:37,120
Speaker 1: Let's get into it. She's on the Money, She's on

12
00:00:37,159 --> 00:01:00,240
Speaker 1: the Money. Hello, and welcome to She's on the Money,

13
00:01:00,280 --> 00:01:04,360
Speaker 1: the podcast for millennials who want financial freedom. Welcome back

14
00:01:04,400 --> 00:01:06,679
Speaker 1: to another one of our money diaries where I get

15
00:01:06,720 --> 00:01:08,959
Speaker 1: to talk to one of our incredible She's on the

16
00:01:08,959 --> 00:01:12,800
Speaker 1: Money community members all about their story. It's my favorite

17
00:01:12,840 --> 00:01:15,480
Speaker 1: thing in the entire world. Let's jump straight into it,

18
00:01:15,520 --> 00:01:17,600
Speaker 1: because this week we got a message and it went

19
00:01:17,760 --> 00:01:20,319
Speaker 1: like this. All right, before I get into it, I

20
00:01:20,360 --> 00:01:21,720
Speaker 1: do want to give you guys a little bit of

21
00:01:21,760 --> 00:01:24,759
Speaker 1: a content warning. We are going to be discussing abusive

22
00:01:24,840 --> 00:01:27,320
Speaker 1: relationships today, so If that is not something you are

23
00:01:27,360 --> 00:01:29,680
Speaker 1: ready to hear, we have a heap of different literally

24
00:01:29,760 --> 00:01:32,640
Speaker 1: hundreds of different episodes you could listen to. But if

25
00:01:32,640 --> 00:01:35,440
Speaker 1: you are ready for this content, we are diving right

26
00:01:35,480 --> 00:01:39,120
Speaker 1: in now. Hi Victoria, I'm twenty one, living out of

27
00:01:39,160 --> 00:01:42,279
Speaker 1: home and working three jobs with the goal of saving

28
00:01:42,360 --> 00:01:46,280
Speaker 1: one hundred thousand dollars in only two years. Currently, I'm

29
00:01:46,319 --> 00:01:48,920
Speaker 1: one year in and I'm on track to reach my goal.

30
00:01:49,280 --> 00:01:53,000
Speaker 1: This means I'm working seventy to eighty hours per week

31
00:01:53,000 --> 00:01:55,440
Speaker 1: as a full time chef and as a part time

32
00:01:55,480 --> 00:01:58,520
Speaker 1: supervisor at Coles. On my day off, I deliver for

33
00:01:58,600 --> 00:02:02,000
Speaker 1: door Dash and for Uber. Watching my mum enjoy several

34
00:02:02,040 --> 00:02:05,520
Speaker 1: abusive relationships is behind my drive to never ever be

35
00:02:05,680 --> 00:02:09,520
Speaker 1: financially dependent on anyone that shees on. The money community

36
00:02:09,600 --> 00:02:12,600
Speaker 1: have helped me so much, and I cannot wait to

37
00:02:12,680 --> 00:02:16,000
Speaker 1: share my story money diarist, I can't wait for you

38
00:02:16,040 --> 00:02:19,160
Speaker 1: to share your story either. Are you joking? What a hustler?

39
00:02:19,720 --> 00:02:21,520
Speaker 3: Oh? It sounds so weird hearing it back?

40
00:02:21,840 --> 00:02:23,360
Speaker 1: Is it inspiring? Hearing it back?

41
00:02:23,360 --> 00:02:23,480
Speaker 2: Like?

42
00:02:23,520 --> 00:02:24,560
Speaker 1: Does it make you proud?

43
00:02:24,919 --> 00:02:28,040
Speaker 3: It does? I've realized how far I've come, So it's good.

44
00:02:28,080 --> 00:02:30,359
Speaker 1: You're a queen, I love it. Let's start off where

45
00:02:30,400 --> 00:02:32,919
Speaker 1: we usually start, money direst I want to know if

46
00:02:32,919 --> 00:02:35,040
Speaker 1: we asked you to give yourself a money grade, what

47
00:02:35,120 --> 00:02:37,680
Speaker 1: would you grade your habits from A through to F.

48
00:02:38,160 --> 00:02:40,160
Speaker 3: I would probably give myself a B minus.

49
00:02:40,440 --> 00:02:44,040
Speaker 1: Oh, a B minus. I want to learn more about that. Obviously,

50
00:02:44,080 --> 00:02:46,919
Speaker 1: we're going to dive into it. My favorite question, though,

51
00:02:47,040 --> 00:02:49,680
Speaker 1: let's dive straight in. Can you tell me a little

52
00:02:49,680 --> 00:02:51,400
Speaker 1: bit more about your money story.

53
00:02:51,600 --> 00:02:54,240
Speaker 3: I spent most of my childhood with my mum. My

54
00:02:54,400 --> 00:02:58,919
Speaker 3: parents divorced when I was just before too. She'd never

55
00:02:59,000 --> 00:03:01,600
Speaker 3: obviously had the best luck in a relationship. She got

56
00:03:01,600 --> 00:03:05,280
Speaker 3: herself in a few sticky situations. The longest one was

57
00:03:05,320 --> 00:03:12,600
Speaker 3: about seven years and yeah, he was very abusive physically, mentally, financially.

58
00:03:13,240 --> 00:03:15,000
Speaker 3: That was one of the reasons why my mum didn't

59
00:03:15,040 --> 00:03:18,560
Speaker 3: leave was because of the money aspect. When she eventually

60
00:03:18,560 --> 00:03:21,760
Speaker 3: got herself out of that, I lived with her a

61
00:03:21,800 --> 00:03:24,960
Speaker 3: little longer, but ended up moving in with my dad

62
00:03:25,320 --> 00:03:27,720
Speaker 3: just with everything going on in the area we were living.

63
00:03:28,160 --> 00:03:30,320
Speaker 3: Like her ex for showing up at my school, it

64
00:03:30,440 --> 00:03:32,639
Speaker 3: was a bit going on. I lived with dad for

65
00:03:32,720 --> 00:03:37,440
Speaker 3: a few years. I started working at fifteen, I worked

66
00:03:37,480 --> 00:03:40,320
Speaker 3: full time hours whilst at school, full.

67
00:03:40,080 --> 00:03:44,600
Speaker 1: Time hours while at school pretty much. Yeah, oh my gosh,

68
00:03:44,640 --> 00:03:47,400
Speaker 1: did that burn you out or really impact your ability

69
00:03:47,440 --> 00:03:49,560
Speaker 1: to get I guess a good quality education.

70
00:03:49,920 --> 00:03:51,840
Speaker 3: I was doing VCAL because at that time I was

71
00:03:51,880 --> 00:03:55,040
Speaker 3: doing a school based apprenticeship, so I was only at

72
00:03:55,080 --> 00:04:01,840
Speaker 3: school most days, four times a week. Not really Like,

73
00:04:02,160 --> 00:04:06,000
Speaker 3: I'm someone who's always been very driven, and I work

74
00:04:06,080 --> 00:04:07,560
Speaker 3: better mentally when I'm busy.

75
00:04:07,840 --> 00:04:11,320
Speaker 1: Yeah, fair, same so I'm someone who can't sit still. Yeah, same,

76
00:04:11,520 --> 00:04:14,200
Speaker 1: literally same, Like that's why you know, you guys can't

77
00:04:14,240 --> 00:04:16,599
Speaker 1: see this because we're recording, but like I move around

78
00:04:16,640 --> 00:04:19,120
Speaker 1: the studio so much while we're talking, like I just

79
00:04:19,160 --> 00:04:21,839
Speaker 1: can't sit still. I feel like it's a certain personality

80
00:04:21,880 --> 00:04:24,720
Speaker 1: type because I know you've probably got girlfriends that say

81
00:04:24,720 --> 00:04:26,960
Speaker 1: the same thing. They're like, how on earth do you

82
00:04:26,960 --> 00:04:29,280
Speaker 1: work seventy to eighty hours a week? And we'll get

83
00:04:29,279 --> 00:04:29,680
Speaker 1: into it.

84
00:04:29,760 --> 00:04:31,640
Speaker 3: But friends think I'm nuts exactly.

85
00:04:31,680 --> 00:04:34,159
Speaker 1: And some people who thrive on it, and some people

86
00:04:34,160 --> 00:04:36,160
Speaker 1: who can do it for a short period of time

87
00:04:36,200 --> 00:04:38,440
Speaker 1: and then get burnt out. There's so many different people

88
00:04:38,520 --> 00:04:40,760
Speaker 1: in the world, and we all, you know, thrive in

89
00:04:40,800 --> 00:04:43,120
Speaker 1: different ways. So I'm so interested to hear how you

90
00:04:43,160 --> 00:04:44,920
Speaker 1: do it right? Tell me more, tell me more.

91
00:04:45,120 --> 00:04:48,280
Speaker 3: So just before my eighteenth birthday, I had to leave

92
00:04:48,360 --> 00:04:52,760
Speaker 3: Dad's wasn't really feeling safe. So I lived with Nan

93
00:04:52,960 --> 00:04:56,800
Speaker 3: up until I was eighteen and had left school at

94
00:04:56,800 --> 00:05:00,000
Speaker 3: a study year twelve to start my apprenticeship full time,

95
00:05:00,760 --> 00:05:03,320
Speaker 3: and I saved up money and I moved out on

96
00:05:03,360 --> 00:05:05,919
Speaker 3: my own, in my little unit that I've been in

97
00:05:05,960 --> 00:05:06,800
Speaker 3: for the past three years.

98
00:05:07,160 --> 00:05:10,640
Speaker 1: Ah, how good. So you moved out with your nan

99
00:05:10,760 --> 00:05:14,240
Speaker 1: and now you're living in your own little unit. How

100
00:05:14,279 --> 00:05:16,400
Speaker 1: did you get to the point where you were able

101
00:05:16,440 --> 00:05:18,920
Speaker 1: to afford your own unit? Was it something that you'd

102
00:05:18,960 --> 00:05:21,880
Speaker 1: been saving for ages or I don't know, I just

103
00:05:21,880 --> 00:05:24,240
Speaker 1: feel like going into your own unit. At that age,

104
00:05:24,320 --> 00:05:26,719
Speaker 1: that's a lot. I had to share house for ages,

105
00:05:26,760 --> 00:05:28,720
Speaker 1: and I could only afford like seven hundred bucks a

106
00:05:28,800 --> 00:05:30,599
Speaker 1: month rent, Like, what are you doing? How are you

107
00:05:30,640 --> 00:05:31,120
Speaker 1: doing it?

108
00:05:31,120 --> 00:05:33,000
Speaker 3: It was tough because at that time I was a

109
00:05:33,120 --> 00:05:36,600
Speaker 3: second year apprentice and had no other income. I got

110
00:05:36,640 --> 00:05:40,680
Speaker 3: a little help from Centerlink Youth Allowance because obviously I

111
00:05:40,720 --> 00:05:42,800
Speaker 3: wasn't living with a parent at that age, so I

112
00:05:42,839 --> 00:05:45,080
Speaker 3: got exempt from that, so I was able to use that.

113
00:05:46,200 --> 00:05:48,640
Speaker 3: It was a lot. I didn't save a lot at

114
00:05:48,680 --> 00:05:50,640
Speaker 3: the start because I obviously didn't have a lot after

115
00:05:50,720 --> 00:05:53,000
Speaker 3: I paid my rent, which was like two hundred and

116
00:05:53,040 --> 00:05:54,240
Speaker 3: ten dollars a week at the time.

117
00:05:54,400 --> 00:05:55,800
Speaker 1: That's a lot at that age.

118
00:05:56,160 --> 00:05:58,640
Speaker 3: Yeah, it was scary. Yeah, I needed to do it.

119
00:05:58,680 --> 00:06:02,760
Speaker 3: And I love my name I'm I really do. But yeah,

120
00:06:02,800 --> 00:06:05,359
Speaker 3: I don't know how to describe it. I felt nurtured

121
00:06:05,400 --> 00:06:07,040
Speaker 3: in a way that I hadn't been nurtured in a

122
00:06:07,120 --> 00:06:08,760
Speaker 3: very long time. So I was very suffocating.

123
00:06:09,240 --> 00:06:12,160
Speaker 1: That's fair, but that's also I don't know. They were

124
00:06:12,200 --> 00:06:14,279
Speaker 1: probably trying their best, right. Do you still have a

125
00:06:14,279 --> 00:06:15,480
Speaker 1: good relationship with them?

126
00:06:15,520 --> 00:06:18,520
Speaker 3: Oh yeah, one hundred percent. Yeah, yeah, yeah, they're angels.

127
00:06:18,920 --> 00:06:19,680
Speaker 3: I loved it for it.

128
00:06:19,760 --> 00:06:21,840
Speaker 1: This is all a bit too much. I need my

129
00:06:21,880 --> 00:06:22,520
Speaker 1: own space.

130
00:06:22,839 --> 00:06:25,000
Speaker 3: Yeah, Like it was all out of love and I

131
00:06:25,040 --> 00:06:26,359
Speaker 3: love them dearly for it.

132
00:06:26,440 --> 00:06:29,359
Speaker 1: But yeah, sometimes that can be a little bit too much.

133
00:06:29,800 --> 00:06:32,400
Speaker 1: I totally resonate with that, all right. I want to

134
00:06:32,440 --> 00:06:35,320
Speaker 1: know a bit more about work. So when it comes

135
00:06:35,320 --> 00:06:37,280
Speaker 1: to work, we know that you work as a chef

136
00:06:37,320 --> 00:06:40,360
Speaker 1: and you're also a supervisor at coals, but can you

137
00:06:40,480 --> 00:06:42,840
Speaker 1: talk me through what that is, what your jobs are

138
00:06:42,880 --> 00:06:44,200
Speaker 1: and how much money you earn?

139
00:06:44,680 --> 00:06:48,920
Speaker 3: Okay, so full type chef, I owned sixty five a year.

140
00:06:49,080 --> 00:06:53,600
Speaker 3: It's roughly one thousand take home a week. I do,

141
00:06:53,760 --> 00:06:57,520
Speaker 3: depending on the week, fifteen to twenty five hours at

142
00:06:57,560 --> 00:07:04,159
Speaker 3: coals in the evening as a service manager supervisor, which

143
00:07:05,080 --> 00:07:09,640
Speaker 3: most weeks is about three hundred and fifty, and then

144
00:07:10,000 --> 00:07:12,440
Speaker 3: I do DoorDash on my two days off from my

145
00:07:12,920 --> 00:07:16,120
Speaker 3: cheffing job, which I can get around three hundred after

146
00:07:16,240 --> 00:07:17,160
Speaker 3: tax per week.

147
00:07:17,440 --> 00:07:19,320
Speaker 1: How good is that? You're killing it?

148
00:07:19,760 --> 00:07:20,880
Speaker 3: Yeah, I can't sit still.

149
00:07:20,960 --> 00:07:22,600
Speaker 1: I was about to say, but does it kill you?

150
00:07:22,600 --> 00:07:24,640
Speaker 1: You're getting burnt down. I feel like that's a lot

151
00:07:24,720 --> 00:07:27,400
Speaker 1: of hours that you're spending not on yourself.

152
00:07:28,560 --> 00:07:30,640
Speaker 3: Yes, though there are some weeks where I do struggle,

153
00:07:31,280 --> 00:07:33,520
Speaker 3: but at the end of the day, I know what

154
00:07:33,560 --> 00:07:36,440
Speaker 3: I'm doing it for. So that's a massive drive.

155
00:07:37,120 --> 00:07:40,760
Speaker 1: So talk to me. Obviously, that's the next question. What's

156
00:07:40,800 --> 00:07:43,800
Speaker 1: the big money goal? Obviously we're saving one hundred thousand

157
00:07:43,880 --> 00:07:46,640
Speaker 1: dollars in two years and you're doing really well. My

158
00:07:46,720 --> 00:07:50,040
Speaker 1: producer let a sneaky go and said, save fifty seven

159
00:07:50,120 --> 00:07:53,440
Speaker 1: thousand dollars so far. How are you doing that? Because

160
00:07:53,480 --> 00:07:56,120
Speaker 1: that is crazy? But also, why are we doing that.

161
00:07:56,760 --> 00:08:01,080
Speaker 3: So there's a few bigger ones. The biggest one's a house, obviously,

162
00:08:01,080 --> 00:08:04,240
Speaker 3: with the market at the moment more scared than what

163
00:08:04,320 --> 00:08:07,080
Speaker 3: I was at the start. But I have about thirty

164
00:08:07,120 --> 00:08:10,840
Speaker 3: five saved in that, which have a long way to

165
00:08:10,880 --> 00:08:15,080
Speaker 3: go still. I am saving for a new car because

166
00:08:15,080 --> 00:08:17,080
Speaker 3: obviously with the door Dash, I'm very much adding kes

167
00:08:17,120 --> 00:08:17,760
Speaker 3: onto my car.

168
00:08:18,280 --> 00:08:20,560
Speaker 1: Yeah, that's fair. That's something that I think a lot

169
00:08:20,600 --> 00:08:23,320
Speaker 1: of people don't consider when they take on door Dash

170
00:08:23,400 --> 00:08:25,880
Speaker 1: or Uber or any type of delivery service. Right.

171
00:08:26,240 --> 00:08:29,200
Speaker 3: Yeah, the case add up so quickly. So I'm putting

172
00:08:29,200 --> 00:08:31,440
Speaker 3: about one hundred and fifty into that each week because

173
00:08:31,440 --> 00:08:33,400
Speaker 3: I'm hoping I won't have to take out alone when

174
00:08:33,400 --> 00:08:35,640
Speaker 3: I buy the car that I'm in now, like I

175
00:08:35,640 --> 00:08:39,200
Speaker 3: didn't have to for my first car. I am also

176
00:08:39,280 --> 00:08:42,679
Speaker 3: doing a little savings with my partner, which I put

177
00:08:42,679 --> 00:08:45,680
Speaker 3: about two hundred and fifty in a week. Yeah, and

178
00:08:45,679 --> 00:08:48,000
Speaker 3: then all my little ones, and I'm investing.

179
00:08:47,559 --> 00:08:50,080
Speaker 1: And talk to me about that. You can't just drop

180
00:08:50,160 --> 00:08:51,960
Speaker 1: on and I do a little bit of investing and

181
00:08:52,040 --> 00:08:55,000
Speaker 1: not share with me. I'm literally Victoria, like I am

182
00:08:55,040 --> 00:08:57,600
Speaker 1: obsessed with investing. You can't say, oh, I do a

183
00:08:57,600 --> 00:08:59,920
Speaker 1: little bit of investing. Talk me through that. What does

184
00:09:00,080 --> 00:09:00,680
Speaker 1: that look like?

185
00:09:01,320 --> 00:09:04,960
Speaker 3: So at the moment, it's just in com sick, just

186
00:09:05,080 --> 00:09:08,080
Speaker 3: into the ets. I've got about twelve thousand in that

187
00:09:08,160 --> 00:09:11,120
Speaker 3: at the moment. Obviously, my super which is sitting at

188
00:09:11,120 --> 00:09:14,719
Speaker 3: about fifteen thousand. I pay a little extra tax a

189
00:09:14,760 --> 00:09:18,360
Speaker 3: week two just to be safe. And I also have

190
00:09:18,440 --> 00:09:20,840
Speaker 3: an emergency fund of ten thousand, which I kind of

191
00:09:20,840 --> 00:09:22,480
Speaker 3: see as an investment for myself.

192
00:09:22,600 --> 00:09:25,360
Speaker 1: So you're telling me you already have an emergency fund saved,

193
00:09:25,400 --> 00:09:27,120
Speaker 1: you're saving for your first home, you're saving for a

194
00:09:27,160 --> 00:09:30,600
Speaker 1: new car, you actually contribute every single week to savings

195
00:09:30,600 --> 00:09:32,920
Speaker 1: with your partner, and you still think you're a B minus. Like,

196
00:09:32,960 --> 00:09:36,160
Speaker 1: we'll talk about this later, my friend, But I am confused.

197
00:09:36,920 --> 00:09:39,439
Speaker 1: One of the most overwhelming things I think from our

198
00:09:39,480 --> 00:09:43,360
Speaker 1: community is talking about investing, but not just talking about

199
00:09:43,440 --> 00:09:45,840
Speaker 1: investing knowing where to start. So I want to know

200
00:09:46,200 --> 00:09:49,320
Speaker 1: you mentioned before com sec how did you come to

201
00:09:49,440 --> 00:09:52,400
Speaker 1: the decision that comseck was the right platform for you?

202
00:09:52,760 --> 00:09:55,200
Speaker 1: And I guess how are you then allocating your money

203
00:09:55,240 --> 00:09:57,200
Speaker 1: on that platform? Like what are you choosing and why

204
00:09:57,240 --> 00:09:58,080
Speaker 1: are you choosing it?

205
00:09:58,160 --> 00:10:00,240
Speaker 3: So I have a couple of their preset ets. Yes,

206
00:10:01,480 --> 00:10:05,679
Speaker 3: I started out in Rais and Cheersias, but I feel

207
00:10:05,679 --> 00:10:08,760
Speaker 3: like with everything going on, I wasn't concentrating enough and

208
00:10:08,800 --> 00:10:11,440
Speaker 3: doing enough reading into it. So I thought, if I

209
00:10:11,480 --> 00:10:13,760
Speaker 3: pick an ETF that I really like, I look into

210
00:10:13,760 --> 00:10:16,480
Speaker 3: that a bit more, and I've just been investing in that.

211
00:10:17,080 --> 00:10:19,120
Speaker 3: I tried to put two hundred away a week.

212
00:10:19,720 --> 00:10:23,760
Speaker 1: That's a lot. Yeah, that didn't work out most weeks.

213
00:10:23,760 --> 00:10:27,040
Speaker 3: It does. Occasionally it doesn't. But if I can't hit that,

214
00:10:27,120 --> 00:10:28,680
Speaker 3: I just have the goal of five hundred a month.

215
00:10:29,040 --> 00:10:30,679
Speaker 1: So we did some months before. You said you get

216
00:10:30,679 --> 00:10:32,520
Speaker 1: about one thousand dollars a week from being a chef.

217
00:10:32,559 --> 00:10:34,880
Speaker 1: You said about three point fifty from coals and then

218
00:10:34,880 --> 00:10:39,160
Speaker 1: maybe three hundred ish from door dash. You're then going

219
00:10:39,280 --> 00:10:41,800
Speaker 1: and spending you know, two fifty a week, putting that

220
00:10:41,840 --> 00:10:44,160
Speaker 1: into your savings with your partner. Obviously you're saving for

221
00:10:44,160 --> 00:10:46,839
Speaker 1: a house, a new car. Are you a budgeting queen?

222
00:10:46,920 --> 00:10:48,800
Speaker 1: Because like, I don't know how I would do what

223
00:10:48,840 --> 00:10:51,240
Speaker 1: you're doing, Like that is a lot of money.

224
00:10:51,559 --> 00:10:53,200
Speaker 3: Yeah, I don't leave a lot for myself.

225
00:10:53,400 --> 00:10:56,000
Speaker 1: I was about to say, tell me your budgeting strategy,

226
00:10:56,080 --> 00:10:59,440
Speaker 1: how does that work? Because this is very impressive you

227
00:10:59,480 --> 00:11:01,960
Speaker 1: are twenty, you want and I can't quite believe it.

228
00:11:02,000 --> 00:11:02,920
Speaker 1: I'm like, how did you do it?

229
00:11:02,960 --> 00:11:04,280
Speaker 3: I kind of just have a thing set up on

230
00:11:04,320 --> 00:11:06,720
Speaker 3: my notes on my phone that I get my paycheck.

231
00:11:07,480 --> 00:11:09,800
Speaker 3: I think I do it every three months roughly, and

232
00:11:09,840 --> 00:11:12,760
Speaker 3: I write down everything and how much I'm earning, and

233
00:11:12,760 --> 00:11:14,439
Speaker 3: then I break it up and then readjust it every

234
00:11:14,480 --> 00:11:17,840
Speaker 3: three months when I need to, because obviously things change.

235
00:11:18,040 --> 00:11:19,800
Speaker 3: But yeah, I don't leave a lot for myself.

236
00:11:20,080 --> 00:11:21,840
Speaker 1: And why don't you leave a lot for yourself? Is

237
00:11:21,840 --> 00:11:24,160
Speaker 1: that because your bigger goals are more important to you?

238
00:11:24,280 --> 00:11:26,560
Speaker 1: Is that just because sometimes we fall short? Is that

239
00:11:26,640 --> 00:11:29,760
Speaker 1: they talk me through what that means for your lifestyle.

240
00:11:30,000 --> 00:11:33,200
Speaker 3: I'm too driven and I'm too stubborn, and I feel

241
00:11:33,480 --> 00:11:37,319
Speaker 3: selfish and angry at myself if I spend too much

242
00:11:37,360 --> 00:11:38,080
Speaker 3: money each week.

243
00:11:38,360 --> 00:11:41,160
Speaker 1: No, no, that's bad. Like I know I'm not saying

244
00:11:41,240 --> 00:11:44,360
Speaker 1: spends more, but I think that money shouldn't really have

245
00:11:44,520 --> 00:11:47,760
Speaker 1: any level of judgment associated with it. And that sounds

246
00:11:47,800 --> 00:11:50,240
Speaker 1: like maybe you're being a little bit harsh on yourself.

247
00:11:50,600 --> 00:11:52,600
Speaker 3: Probably it's the general vibe with me.

248
00:11:53,800 --> 00:11:55,520
Speaker 1: All right, let's go to a really quick break and

249
00:11:55,559 --> 00:11:57,480
Speaker 1: on the flip side, I want to talk more about debt,

250
00:11:57,600 --> 00:11:59,559
Speaker 1: but also I feel like you've got some really good

251
00:11:59,640 --> 00:12:02,440
Speaker 1: money habits to share with us, So guys, don't go anywhere.

252
00:12:07,120 --> 00:12:09,880
Speaker 1: All right, let's dive straight back into it, because I

253
00:12:09,960 --> 00:12:13,480
Speaker 1: am arguably very impressed. I cannot believe at twenty one,

254
00:12:13,520 --> 00:12:16,000
Speaker 1: you know how to do this. I want to step

255
00:12:16,040 --> 00:12:18,959
Speaker 1: back a little bit to your money story though. So

256
00:12:19,040 --> 00:12:20,760
Speaker 1: you were talking about how you grew up with your

257
00:12:20,800 --> 00:12:22,240
Speaker 1: mom and then you moved in with your dad and

258
00:12:22,240 --> 00:12:24,000
Speaker 1: then your nana and now you live on your own,

259
00:12:24,440 --> 00:12:26,920
Speaker 1: and how you know, you watch your mom into our

260
00:12:27,160 --> 00:12:30,800
Speaker 1: several abusive relationships and it just kind of never seemed

261
00:12:30,840 --> 00:12:33,360
Speaker 1: to end. But you're the type of person who now

262
00:12:33,400 --> 00:12:37,400
Speaker 1: wants to be super financially independent. Something that usually happens

263
00:12:37,480 --> 00:12:41,040
Speaker 1: in those circumstances is you often see, like, let's just say,

264
00:12:41,200 --> 00:12:44,679
Speaker 1: a child follow in their parents' footsteps, because usually that

265
00:12:44,960 --> 00:12:49,000
Speaker 1: is role modeled as an acceptable relationship. Right, So how

266
00:12:49,080 --> 00:12:51,400
Speaker 1: did you know that that was something that you wanted

267
00:12:51,440 --> 00:12:54,040
Speaker 1: to break the mold of and what were the steps

268
00:12:54,080 --> 00:12:56,400
Speaker 1: that you took so that you were like, all right, well,

269
00:12:56,440 --> 00:12:58,040
Speaker 1: I'm going to be in a bit different or a

270
00:12:58,040 --> 00:13:01,800
Speaker 1: better position, because often what would you say like education

271
00:13:01,960 --> 00:13:05,440
Speaker 1: isn't as accessible in those circumstances. So tell me how

272
00:13:05,480 --> 00:13:07,680
Speaker 1: you did this, because apart from the fact that you

273
00:13:07,720 --> 00:13:10,440
Speaker 1: were a killer saver and an epic worker and have

274
00:13:10,520 --> 00:13:13,720
Speaker 1: the best work ethic I've ever seen, Like, this isn't

275
00:13:13,760 --> 00:13:17,439
Speaker 1: something that just comes naturally. So where did this come from?

276
00:13:17,480 --> 00:13:18,080
Speaker 1: I need to know?

277
00:13:18,720 --> 00:13:23,400
Speaker 3: I guess just seeing the plane she goes through and

278
00:13:23,480 --> 00:13:25,400
Speaker 3: knowing that if she had had the money there, she

279
00:13:25,400 --> 00:13:27,960
Speaker 3: would have been able to leave earlier than what she did.

280
00:13:28,880 --> 00:13:32,280
Speaker 3: It's probably the biggest thing. I just I don't never

281
00:13:32,320 --> 00:13:35,719
Speaker 3: want to be put in that position. Yeah, I don't

282
00:13:35,760 --> 00:13:36,760
Speaker 3: really know how to describe it.

283
00:13:37,000 --> 00:13:40,360
Speaker 1: No, it's really really wholesome. So what were your first steps?

284
00:13:40,360 --> 00:13:43,520
Speaker 1: Because you started working at fifteen? Was the driver behind

285
00:13:43,559 --> 00:13:45,680
Speaker 1: that to get some independence or was it to get

286
00:13:45,720 --> 00:13:48,080
Speaker 1: some cash? Or was it to help the family? Or like,

287
00:13:48,360 --> 00:13:52,640
Speaker 1: how did that start? Wanted a car very common reason

288
00:13:52,679 --> 00:13:53,480
Speaker 1: to get a first job.

289
00:13:53,760 --> 00:13:58,000
Speaker 3: Yeah, yeah, so saving for a car I ended up

290
00:13:58,040 --> 00:14:01,280
Speaker 3: having to actually lend I think it was thirteen thousand

291
00:14:01,320 --> 00:14:02,880
Speaker 3: dollars to mom to get her out of trouble.

292
00:14:03,040 --> 00:14:05,440
Speaker 1: And did you have that saved at that age?

293
00:14:05,800 --> 00:14:08,199
Speaker 3: Yeah, I think it was about sixteen sixteen and a

294
00:14:08,240 --> 00:14:11,880
Speaker 3: half yard. Well she didn't ask, but it started like

295
00:14:11,920 --> 00:14:14,240
Speaker 3: two hundred dollars per week, two hundred dollars the other week.

296
00:14:14,320 --> 00:14:16,240
Speaker 3: So I was getting most of my paycheck.

297
00:14:16,520 --> 00:14:19,560
Speaker 1: Yeah, wow, And how at you know, fifteen sixteen did

298
00:14:19,600 --> 00:14:20,520
Speaker 1: you feel about that?

299
00:14:21,000 --> 00:14:22,360
Speaker 3: I was scared. I was scared I was going to

300
00:14:22,360 --> 00:14:26,280
Speaker 3: get it back. But at the same time, you know,

301
00:14:26,520 --> 00:14:29,040
Speaker 3: like the word bankruptcy was thrown around, and I couldn't

302
00:14:29,080 --> 00:14:31,320
Speaker 3: imagine mum having to go through all of that, and

303
00:14:31,360 --> 00:14:35,520
Speaker 3: she still had my little sister, So yeah, I wanted

304
00:14:35,560 --> 00:14:38,000
Speaker 3: to help her, and I guess her car didn't seem

305
00:14:38,040 --> 00:14:39,120
Speaker 3: that important. No.

306
00:14:39,360 --> 00:14:42,040
Speaker 1: Absolutely, I feel like I'm so proud of you that

307
00:14:42,080 --> 00:14:44,320
Speaker 1: you were in a position where you could help your mum.

308
00:14:44,880 --> 00:14:47,720
Speaker 1: Is that something that you think has really driven you

309
00:14:47,760 --> 00:14:50,400
Speaker 1: to go? All right, well, now I've seen that circumstance.

310
00:14:50,480 --> 00:14:52,120
Speaker 1: I need to be fiercely independent.

311
00:14:52,760 --> 00:14:57,520
Speaker 3: Yeah, one hundred percent. I'm stubbornly independent. I think get

312
00:14:57,560 --> 00:14:58,960
Speaker 3: a noise by boyfriends sometime, but.

313
00:15:00,560 --> 00:15:02,680
Speaker 1: That's not the worst position to be. And so talk

314
00:15:02,760 --> 00:15:05,360
Speaker 1: me through your emergency fund. You said before, Look, I've

315
00:15:05,400 --> 00:15:08,640
Speaker 1: got ten grand sitting in an emergency fund. How did

316
00:15:08,640 --> 00:15:12,320
Speaker 1: you pick ten thousand dollars and at what age did

317
00:15:12,320 --> 00:15:13,680
Speaker 1: you start establishing that.

318
00:15:13,840 --> 00:15:16,560
Speaker 3: I started establishing at probably the age of nineteen, roughly.

319
00:15:16,960 --> 00:15:18,440
Speaker 3: I worked it out at the time that it was

320
00:15:18,480 --> 00:15:22,280
Speaker 3: about five to six months worth of my expenses. So

321
00:15:22,320 --> 00:15:25,280
Speaker 3: like for some reason everything went wrong and I didn't

322
00:15:25,280 --> 00:15:27,560
Speaker 3: have a job, I was covered. I finished saving that

323
00:15:27,640 --> 00:15:31,600
Speaker 3: about I think just before I started this big savings chunk,

324
00:15:32,720 --> 00:15:37,560
Speaker 3: So it was about twenty Just yeah, so.

325
00:15:37,480 --> 00:15:40,400
Speaker 1: You had ten grand just casually in an emergency fund

326
00:15:40,440 --> 00:15:41,320
Speaker 1: at the age of twenty.

327
00:15:41,480 --> 00:15:43,480
Speaker 3: Yeah, just casually sitting there at the age.

328
00:15:43,320 --> 00:15:45,440
Speaker 1: Of twenty, I was trying to work out how I

329
00:15:45,480 --> 00:15:48,920
Speaker 1: could take on more personal debt, was it really Yeah,

330
00:15:49,160 --> 00:15:52,120
Speaker 1: I don't recommend it. I was also spending every single

331
00:15:52,200 --> 00:15:55,440
Speaker 1: dollar that I earned. In fact, I was really really

332
00:15:55,480 --> 00:15:58,000
Speaker 1: good at going out every weekend and being like, I've

333
00:15:58,040 --> 00:16:00,480
Speaker 1: got fifty bucks. Well, we're not coming home with five bucks,

334
00:16:00,480 --> 00:16:05,280
Speaker 1: are we. That's for drinks exactly, exactly in this economy,

335
00:16:05,480 --> 00:16:09,000
Speaker 1: like that is at least two drinks nowadays. So it's

336
00:16:09,000 --> 00:16:10,360
Speaker 1: one of those things where I look back on it

337
00:16:10,400 --> 00:16:12,160
Speaker 1: and I'm just, you know, and you shouldn't do this.

338
00:16:12,240 --> 00:16:15,000
Speaker 1: You shouldn't compare your journey to somebody else's at all.

339
00:16:15,080 --> 00:16:18,280
Speaker 1: But I feel like, innately we all just immediately do that.

340
00:16:18,360 --> 00:16:20,000
Speaker 1: And I look at you and I'm like, you're a baby,

341
00:16:20,000 --> 00:16:22,080
Speaker 1: You're twenty one, you have so many years ahead of you.

342
00:16:22,080 --> 00:16:25,000
Speaker 1: You're going to be so financially successful. This is so exciting.

343
00:16:25,200 --> 00:16:28,640
Speaker 1: And then I go ooh, twenty one, I was a circus,

344
00:16:29,000 --> 00:16:32,440
Speaker 1: like I was questionable. So talk to me about debt.

345
00:16:32,480 --> 00:16:34,560
Speaker 1: You said before you're going to save for a new car,

346
00:16:34,680 --> 00:16:36,800
Speaker 1: and you don't want to have any debt. So do

347
00:16:36,840 --> 00:16:38,400
Speaker 1: you have debt? And if so, what is it.

348
00:16:38,720 --> 00:16:40,800
Speaker 3: I don't have any debt. I've never had any debt

349
00:16:41,280 --> 00:16:41,840
Speaker 3: at this point.

350
00:16:42,080 --> 00:16:45,400
Speaker 1: Yes, So talk me through the idea of potentially taking

351
00:16:45,400 --> 00:16:47,720
Speaker 1: on some debt. How does that make you feel? Is

352
00:16:47,760 --> 00:16:50,080
Speaker 1: that something that you know you want to do? Is

353
00:16:50,120 --> 00:16:52,160
Speaker 1: that something where you're like, look, I really need to

354
00:16:52,200 --> 00:16:54,640
Speaker 1: do door dash? So maybe getting a new car is

355
00:16:54,680 --> 00:16:56,240
Speaker 1: an essential expense for me.

356
00:16:56,520 --> 00:16:58,680
Speaker 3: The only time I really want to take debt on

357
00:16:58,760 --> 00:17:00,840
Speaker 3: at this point in my life life is to buy

358
00:17:00,840 --> 00:17:04,480
Speaker 3: the house. I feel like a car is something I

359
00:17:04,480 --> 00:17:07,120
Speaker 3: can budget for each week. I guess to say, it's

360
00:17:07,119 --> 00:17:10,200
Speaker 3: if I was paying off alone, like I'm making it

361
00:17:10,320 --> 00:17:13,320
Speaker 3: an obligation that I have to put that away, So

362
00:17:13,880 --> 00:17:16,920
Speaker 3: paying the loan off before I get the loan very fair.

363
00:17:17,000 --> 00:17:20,399
Speaker 1: So talk me through your experience with debt. So you know,

364
00:17:20,480 --> 00:17:23,679
Speaker 1: having grown up and money obviously was a point of

365
00:17:23,720 --> 00:17:27,639
Speaker 1: contention in your relationships. I know that you lent money

366
00:17:27,640 --> 00:17:29,479
Speaker 1: to your mum, but was that because she was in

367
00:17:29,560 --> 00:17:31,880
Speaker 1: debt or was that because she just didn't have an income?

368
00:17:32,119 --> 00:17:35,120
Speaker 1: Or like, where does this aversion to taking on debt

369
00:17:35,160 --> 00:17:35,639
Speaker 1: come from?

370
00:17:35,800 --> 00:17:38,840
Speaker 3: My mum being her very loving and trusting self, paid

371
00:17:38,840 --> 00:17:44,320
Speaker 3: off her partner at the time stebts No, and he left.

372
00:17:44,960 --> 00:17:47,960
Speaker 3: So then mum was couldn't get on top of everything.

373
00:17:48,040 --> 00:17:51,120
Speaker 3: And yeah, so she was working full time, but yeah,

374
00:17:51,160 --> 00:17:52,879
Speaker 3: she just couldn't get on top of it all.

375
00:17:53,040 --> 00:17:55,280
Speaker 1: Oh so she just sounds like the most wholesome human

376
00:17:55,359 --> 00:17:58,600
Speaker 1: in the entire world. She trusts people too much and

377
00:17:58,760 --> 00:18:01,879
Speaker 1: does the best thing for everybody else, but not herself.

378
00:18:02,280 --> 00:18:03,280
Speaker 3: Yes, that is my mom.

379
00:18:03,480 --> 00:18:06,400
Speaker 1: Oh my heart. It breaks me when we just don't

380
00:18:06,440 --> 00:18:09,399
Speaker 1: have the level of financial education that we deserve to

381
00:18:09,720 --> 00:18:12,639
Speaker 1: find ourselves, not in these positions like she did not

382
00:18:12,760 --> 00:18:15,359
Speaker 1: deserve that. People have taken advantage of her because of

383
00:18:15,359 --> 00:18:18,639
Speaker 1: her kindness, and now she's the one that's on the

384
00:18:18,680 --> 00:18:21,040
Speaker 1: back foot, and that's not how the world should work.

385
00:18:21,200 --> 00:18:24,760
Speaker 1: Like it lowers my mind. Growing up, I feel like

386
00:18:24,800 --> 00:18:27,560
Speaker 1: you've probably learned to be very frugal, and it sounds like, ah,

387
00:18:27,640 --> 00:18:30,040
Speaker 1: you do have some pretty good money saving tips, so

388
00:18:30,160 --> 00:18:31,840
Speaker 1: I want to hear them right now. I'm meant to

389
00:18:31,880 --> 00:18:33,679
Speaker 1: ask you what is your best money habit, but I

390
00:18:33,680 --> 00:18:35,720
Speaker 1: actually just want to hear all of them. So let's

391
00:18:35,720 --> 00:18:37,439
Speaker 1: start with what you think your best is, and then

392
00:18:37,440 --> 00:18:39,800
Speaker 1: I'm probably gonna ask for more beings.

393
00:18:40,280 --> 00:18:43,320
Speaker 3: Strict with my budgeting, I think is probably the biggest thing.

394
00:18:43,400 --> 00:18:47,240
Speaker 3: Like I lift by my budget, and if for some

395
00:18:47,280 --> 00:18:50,520
Speaker 3: reason i feel shoot one week at Cole's, I'll do

396
00:18:50,680 --> 00:18:54,520
Speaker 3: extra DoorDash to make up for it. Like I'm stubborn

397
00:18:54,560 --> 00:18:56,800
Speaker 3: in the fact that I don't want to budge from

398
00:18:56,800 --> 00:18:58,160
Speaker 3: that set budget each week.

399
00:18:58,280 --> 00:19:00,359
Speaker 1: And when you say you're strict with budgeting, can you

400
00:19:00,440 --> 00:19:03,000
Speaker 1: talk me through what that might mean? So a lot

401
00:19:03,000 --> 00:19:05,520
Speaker 1: of people think that maybe strict with budgeting means you

402
00:19:05,600 --> 00:19:08,480
Speaker 1: like write down every single expense, or being strict with

403
00:19:08,520 --> 00:19:11,560
Speaker 1: budgeting might be really constricting yourself to a certain amount

404
00:19:11,600 --> 00:19:13,959
Speaker 1: that you spend every week. How do you go about that?

405
00:19:14,280 --> 00:19:17,760
Speaker 3: So I have my thin it's about one hundred and

406
00:19:17,800 --> 00:19:21,040
Speaker 3: fifty dollars a week to spend on things that I

407
00:19:21,080 --> 00:19:23,960
Speaker 3: want or need and I don't go over that.

408
00:19:24,880 --> 00:19:28,320
Speaker 1: So is that food and fuel? And like, talk me

409
00:19:28,359 --> 00:19:30,119
Speaker 1: through what that actually is made up of?

410
00:19:30,400 --> 00:19:32,800
Speaker 3: Food? Fuel and if I want to do anything? One

411
00:19:32,880 --> 00:19:36,200
Speaker 3: hundred and fifty Yeah, that's.

412
00:19:35,960 --> 00:19:39,520
Speaker 1: Like some normal people's entire grocery budget. Are you like

413
00:19:39,600 --> 00:19:41,000
Speaker 1: a wizard grocery budget?

414
00:19:41,040 --> 00:19:41,159
Speaker 2: Oh?

415
00:19:41,400 --> 00:19:43,760
Speaker 1: Like, talk me through. What are we buying at coals?

416
00:19:44,080 --> 00:19:44,359
Speaker 2: Oh?

417
00:19:44,359 --> 00:19:46,320
Speaker 3: Well, my partner and I do hello for us, so

418
00:19:46,359 --> 00:19:47,439
Speaker 3: we split that fifty to fifty.

419
00:19:47,600 --> 00:19:50,200
Speaker 1: Yep, stunning. But we don't just eat dinner for breakfast,

420
00:19:50,240 --> 00:19:52,159
Speaker 1: lunch and dinner. So what are we eating for breakfast?

421
00:19:52,200 --> 00:19:53,119
Speaker 1: What are we eating for lunch?

422
00:19:53,119 --> 00:19:53,199
Speaker 3: Like?

423
00:19:53,240 --> 00:19:55,760
Speaker 1: I need to know because this is wild, Like you're

424
00:19:55,800 --> 00:19:58,880
Speaker 1: spending one hundred and fifty dollars a week and that's

425
00:19:58,920 --> 00:20:02,280
Speaker 1: my entire grocery budget. It's not coming from a judgmental place.

426
00:20:02,320 --> 00:20:04,000
Speaker 1: This is coming from a like, Hey, I think I

427
00:20:04,040 --> 00:20:05,919
Speaker 1: can learn from you. Please teach me your tips and

428
00:20:05,960 --> 00:20:07,359
Speaker 1: tricks because I think you're a wizard.

429
00:20:07,880 --> 00:20:10,480
Speaker 3: I don't eat breakfast most mornings.

430
00:20:10,320 --> 00:20:12,879
Speaker 1: Neither do I. So that's pretty good money saving hack terrible,

431
00:20:12,960 --> 00:20:15,520
Speaker 1: diet tip terrible. But this is a money podcast, not

432
00:20:15,560 --> 00:20:18,000
Speaker 1: a diet podcast, so makes sense.

433
00:20:18,480 --> 00:20:21,160
Speaker 3: Definitely shouldn't be on it. If that's the case. With lunch,

434
00:20:21,840 --> 00:20:24,360
Speaker 3: I'm lucky at my shiftop we can make a toasty,

435
00:20:24,480 --> 00:20:24,880
Speaker 3: So have.

436
00:20:24,840 --> 00:20:28,720
Speaker 1: A toasty for lunch. That's a good hack. Become a chef, Yeah,

437
00:20:28,920 --> 00:20:31,800
Speaker 1: I like it? How good? So you usually have like

438
00:20:31,800 --> 00:20:34,040
Speaker 1: food at work and stuff, and obviously that would bring

439
00:20:34,040 --> 00:20:37,760
Speaker 1: it down. Genius, absolutely genius when it comes to stuff

440
00:20:37,800 --> 00:20:41,640
Speaker 1: like fun though, what to you is like fun? And

441
00:20:41,680 --> 00:20:44,280
Speaker 1: what is something that you just don't let yourself budget for?

442
00:20:44,520 --> 00:20:47,119
Speaker 1: And are you going to enable yourself a bit more

443
00:20:47,119 --> 00:20:48,840
Speaker 1: freedom in the future or do you just think this

444
00:20:48,920 --> 00:20:50,400
Speaker 1: is what makes you most comfortable.

445
00:20:50,600 --> 00:20:52,480
Speaker 3: I definitely want to give myself a bit more freedom,

446
00:20:52,560 --> 00:20:55,720
Speaker 3: I think, especially since stating my boyfriend, I've kind of

447
00:20:55,760 --> 00:20:59,000
Speaker 3: had to learn that I have to sometimes be a

448
00:20:59,040 --> 00:21:01,159
Speaker 3: bit more lenient and go out for dinner and go

449
00:21:01,280 --> 00:21:04,920
Speaker 3: out for breakfasts more and stuff like that. I'm hoping

450
00:21:04,960 --> 00:21:07,359
Speaker 3: once you speak two years saving things is over, I

451
00:21:07,400 --> 00:21:11,600
Speaker 3: can allow myself to put back a little bit on

452
00:21:11,760 --> 00:21:14,880
Speaker 3: working and hopefully find some hobbies.

453
00:21:15,280 --> 00:21:18,520
Speaker 1: Yeah, no, that would be epic when it comes to

454
00:21:18,600 --> 00:21:21,880
Speaker 1: this one hundred thousand dollars savings goal. Like, let's pretend

455
00:21:22,000 --> 00:21:24,840
Speaker 1: you hit the hundred thousand and we are wham bam,

456
00:21:24,920 --> 00:21:27,600
Speaker 1: thank you madam. It is sitting in the bank. What

457
00:21:27,680 --> 00:21:30,280
Speaker 1: happens on that day? Are we then buying a house?

458
00:21:30,400 --> 00:21:33,000
Speaker 1: If so, what does that look like or how does

459
00:21:33,040 --> 00:21:33,640
Speaker 1: that work?

460
00:21:34,000 --> 00:21:37,200
Speaker 3: I hopefully have a house, depending on the market. I

461
00:21:37,240 --> 00:21:41,160
Speaker 3: have yet to see it breakers so hopefully find out

462
00:21:41,200 --> 00:21:43,040
Speaker 3: what I can and borrow and stuff. I would like

463
00:21:43,119 --> 00:21:46,800
Speaker 3: to keep one or two nights a week at Cole's

464
00:21:48,000 --> 00:21:50,400
Speaker 3: just to give me that little bit of a buffer

465
00:21:50,400 --> 00:21:53,360
Speaker 3: and I guess outlet to do something and then yeah,

466
00:21:53,480 --> 00:21:57,240
Speaker 3: just chill it home, watch TV. I'm pretty boring.

467
00:21:57,680 --> 00:21:59,840
Speaker 1: It's all mine. Don't worry. Don't worry. My idea of

468
00:21:59,880 --> 00:22:02,359
Speaker 1: a really good night is one wine on the couch

469
00:22:02,760 --> 00:22:04,760
Speaker 1: and then I get to be in bed early after

470
00:22:04,800 --> 00:22:07,800
Speaker 1: a really good shower, like ten out of ten. Like,

471
00:22:08,000 --> 00:22:11,119
Speaker 1: very excited about that. So talk to me about this

472
00:22:11,160 --> 00:22:14,359
Speaker 1: one hundred thousand dollars savings goal. That is a massive goal,

473
00:22:14,440 --> 00:22:16,440
Speaker 1: and you're going to need some pretty good money habits

474
00:22:16,840 --> 00:22:19,280
Speaker 1: to get there. But I want to know your money

475
00:22:19,280 --> 00:22:21,960
Speaker 1: Habit's going to be continuing after you get to that

476
00:22:22,000 --> 00:22:24,480
Speaker 1: one hundred thousand dollars or like, what does life look

477
00:22:24,520 --> 00:22:26,960
Speaker 1: like then, because at the moment, you know you said before,

478
00:22:27,040 --> 00:22:28,760
Speaker 1: I really want to be a little bit like kinded

479
00:22:28,840 --> 00:22:30,840
Speaker 1: myself and give myself a little bit more wiggle room

480
00:22:30,880 --> 00:22:33,359
Speaker 1: and you know, maybe pick up some hobbies. What does

481
00:22:33,400 --> 00:22:35,760
Speaker 1: that look like once you reach that goal?

482
00:22:36,040 --> 00:22:38,000
Speaker 3: Well, depending if I have enough money for a deposit,

483
00:22:38,800 --> 00:22:41,520
Speaker 3: hopefully I will drop back significantly. I will stop doing

484
00:22:41,560 --> 00:22:44,320
Speaker 3: door dash. I will just do hopefully one or two

485
00:22:44,359 --> 00:22:47,840
Speaker 3: nights a wee hit Coles on top of my cheffing job.

486
00:22:48,400 --> 00:22:51,199
Speaker 3: I just like having that little bit extra just if

487
00:22:51,240 --> 00:22:56,199
Speaker 3: anything pops up, everything's okay, Just letting myself just be

488
00:22:56,240 --> 00:22:58,720
Speaker 3: a bit more free and not so strict with my

489
00:22:59,520 --> 00:23:01,280
Speaker 3: seventy eight hours a local week.

490
00:23:01,400 --> 00:23:04,159
Speaker 1: Yeah, that's a lot, a lot, Like that is double

491
00:23:04,160 --> 00:23:08,320
Speaker 1: what normal people are actually doing, especially in such physically

492
00:23:08,359 --> 00:23:11,280
Speaker 1: demanding jobs. So like if someone says, oh, I work

493
00:23:11,320 --> 00:23:13,560
Speaker 1: seventy to eighty hours in a desk job, I kind

494
00:23:13,560 --> 00:23:15,680
Speaker 1: of go, oh okay, Like I used to do that too,

495
00:23:15,920 --> 00:23:19,000
Speaker 1: Like I get it. It's exhausting, but like as a chef,

496
00:23:19,040 --> 00:23:22,160
Speaker 1: you're in a kitchen and that's like fast paced the

497
00:23:22,320 --> 00:23:24,840
Speaker 1: entire time you're in a kitchen, Like it is hot,

498
00:23:24,880 --> 00:23:27,200
Speaker 1: it is steamy, it is yelling, it is like from

499
00:23:27,240 --> 00:23:30,200
Speaker 1: my perspective, I watched Gordon Ramsey at least four times,

500
00:23:30,240 --> 00:23:33,359
Speaker 1: so I am very educated on what a kitchen looks like.

501
00:23:33,920 --> 00:23:36,040
Speaker 1: But is that right? Like are you just always on

502
00:23:36,119 --> 00:23:38,440
Speaker 1: your feet? If so, how are you looking after you?

503
00:23:39,119 --> 00:23:42,280
Speaker 3: But definitely pretty busy during services. I don't know. I've

504
00:23:42,320 --> 00:23:44,479
Speaker 3: never really had much of a self care kind of

505
00:23:45,080 --> 00:23:47,560
Speaker 3: I guess routine really just coming home at the end

506
00:23:47,560 --> 00:23:49,640
Speaker 3: of the day, having a nice share and getting into bed.

507
00:23:49,960 --> 00:23:52,760
Speaker 1: Yeah fair is my underrated self care?

508
00:23:53,119 --> 00:23:53,439
Speaker 3: Yeah?

509
00:23:53,640 --> 00:23:57,080
Speaker 1: Underrated? Does a cost anything? Which which you love? So

510
00:23:57,200 --> 00:24:00,159
Speaker 1: I think that's it. There's honestly nothing better than a

511
00:24:00,200 --> 00:24:02,800
Speaker 1: good shower, though, Like, if anyone wants to argue that

512
00:24:03,320 --> 00:24:05,800
Speaker 1: my dms are open, but I want to know, let's

513
00:24:05,840 --> 00:24:08,080
Speaker 1: flip this on its head. I don't know if you've

514
00:24:08,080 --> 00:24:09,560
Speaker 1: got one, but I want to know, what do you

515
00:24:09,600 --> 00:24:12,760
Speaker 1: think your worst money habit is one thing I struggle with.

516
00:24:12,760 --> 00:24:15,080
Speaker 3: My budget is sticky to a budget when it comes

517
00:24:15,119 --> 00:24:18,040
Speaker 3: to gift giving. Yeah, okay, I'm terrible at it.

518
00:24:18,200 --> 00:24:22,640
Speaker 1: You are your mother's daughter. You are too generous my friend. Yeah,

519
00:24:22,960 --> 00:24:25,200
Speaker 1: so tell me about what that looks like, Like, how

520
00:24:25,200 --> 00:24:27,600
Speaker 1: do you feel when that happens? And what are you

521
00:24:27,680 --> 00:24:29,679
Speaker 1: usually spending too much on? Is it because you're not

522
00:24:29,720 --> 00:24:31,720
Speaker 1: planned enough or is it just because you get too

523
00:24:31,800 --> 00:24:34,639
Speaker 1: excited like I do about giving gifts to people.

524
00:24:34,880 --> 00:24:37,760
Speaker 3: Yeah, I get too excited. I have little sub savers

525
00:24:37,760 --> 00:24:40,240
Speaker 3: I put money into each week, which covers like birthdays

526
00:24:40,240 --> 00:24:44,160
Speaker 3: and Christmases and everything. But yeah, I can't stick to it.

527
00:24:44,320 --> 00:24:47,119
Speaker 3: I'll see something and if it's way over budget, but

528
00:24:47,160 --> 00:24:49,479
Speaker 3: I know that they'll love it, so I'll still get it.

529
00:24:50,000 --> 00:24:53,119
Speaker 1: Love love. I can resonate with that. But at the

530
00:24:53,119 --> 00:24:55,359
Speaker 1: same time, I feel like that might be some level

531
00:24:55,400 --> 00:24:57,760
Speaker 1: of self care for you, because I know that I

532
00:24:57,800 --> 00:25:00,320
Speaker 1: feel really good when I give gifts. I know that

533
00:25:00,400 --> 00:25:02,719
Speaker 1: can sound really lame to some people. And if that

534
00:25:02,760 --> 00:25:04,679
Speaker 1: does sound lame to you, that's because gift giving is

535
00:25:04,680 --> 00:25:07,280
Speaker 1: not your love language, and that is totally fine. But

536
00:25:07,400 --> 00:25:10,440
Speaker 1: for me, I just feel so good when I'm able

537
00:25:10,440 --> 00:25:12,520
Speaker 1: to help other people or give them something that I

538
00:25:12,560 --> 00:25:14,440
Speaker 1: know that they will love. And I do that all

539
00:25:14,440 --> 00:25:16,320
Speaker 1: the time, Like I end up going over budget because

540
00:25:16,320 --> 00:25:17,960
Speaker 1: I'll see something I'll be like, oh my gosh, money

541
00:25:18,000 --> 00:25:20,439
Speaker 1: diarist would be obsessed with this particular one thing, and

542
00:25:20,480 --> 00:25:23,320
Speaker 1: then I can't buy them anything else. Right, all right,

543
00:25:23,359 --> 00:25:25,359
Speaker 1: I want to talk about your money grade again. At

544
00:25:25,400 --> 00:25:27,840
Speaker 1: the start of this episode, this is wild to me,

545
00:25:28,200 --> 00:25:31,080
Speaker 1: you said that you're a B minus. You then proceeded

546
00:25:31,080 --> 00:25:33,320
Speaker 1: to tell us, Hey, the yep, I have five to

547
00:25:33,359 --> 00:25:36,520
Speaker 1: six months worth of my expenses built up. I'm earning

548
00:25:36,880 --> 00:25:40,120
Speaker 1: a lot of money from literally three different jobs where

549
00:25:40,119 --> 00:25:42,960
Speaker 1: I work seventy to eighty hours a week. I'm investing

550
00:25:43,240 --> 00:25:46,560
Speaker 1: two hundred to two hundred and fifty dollars per week

551
00:25:46,600 --> 00:25:50,560
Speaker 1: with Comsex Wild, and I'm just creating this super secure

552
00:25:50,720 --> 00:25:53,440
Speaker 1: financial future. I have fifteen grand in super I care

553
00:25:53,480 --> 00:25:55,359
Speaker 1: a lot about that. I want to buy a house,

554
00:25:55,400 --> 00:25:56,960
Speaker 1: I want to buy a new car. I've got really

555
00:25:56,960 --> 00:26:00,760
Speaker 1: clear goals. Why did you only say a bee and

556
00:26:00,800 --> 00:26:03,320
Speaker 1: what would it take for you personally to become an

557
00:26:03,359 --> 00:26:04,480
Speaker 1: A in your eyes?

558
00:26:04,720 --> 00:26:08,480
Speaker 3: I think just achieving the goals. I feel like they're

559
00:26:08,560 --> 00:26:11,560
Speaker 3: very ambitious, and I get worried it's going to be

560
00:26:11,600 --> 00:26:13,119
Speaker 3: a point where I can't do it. So I just

561
00:26:13,160 --> 00:26:15,480
Speaker 3: think at the end of that, just being able to

562
00:26:15,520 --> 00:26:19,320
Speaker 3: say okay, I did that, and doing a bit more

563
00:26:19,440 --> 00:26:23,840
Speaker 3: research into a broker probably next big thing that I

564
00:26:23,840 --> 00:26:24,640
Speaker 3: think I need to do.

565
00:26:24,760 --> 00:26:26,360
Speaker 1: Oh if you don't even need to research it, I've

566
00:26:26,359 --> 00:26:29,480
Speaker 1: got a recommendation, Zella Money, go talk to Kate or

567
00:26:29,560 --> 00:26:32,919
Speaker 1: Nikki or Jack or Kristen like the girls are wizards.

568
00:26:33,280 --> 00:26:36,119
Speaker 1: I'm biased because it's actually my business, but that's what

569
00:26:36,160 --> 00:26:38,000
Speaker 1: I do when I'm not podcasting and getting to talk

570
00:26:38,040 --> 00:26:40,879
Speaker 1: to our community. I am literally running a mortgage broking business,

571
00:26:40,880 --> 00:26:42,000
Speaker 1: so I'm a little bit biased.

572
00:26:42,200 --> 00:26:45,440
Speaker 3: I'll definitely have to look into it, all right.

573
00:26:45,359 --> 00:26:47,840
Speaker 1: Well, thank you so much. Unfortunately that is all we

574
00:26:47,960 --> 00:26:51,239
Speaker 1: had time for today. Money diarist, I cannot tell you

575
00:26:51,280 --> 00:26:53,120
Speaker 1: how much it means to me that you have spent

576
00:26:53,160 --> 00:26:55,399
Speaker 1: your time having a chat with me, even though we

577
00:26:55,400 --> 00:26:58,200
Speaker 1: had a few technical difficulties, and you have shared such

578
00:26:58,200 --> 00:27:00,560
Speaker 1: a beautiful story with our community that I know so

579
00:27:00,640 --> 00:27:02,560
Speaker 1: many people are going to learn from. Thank you.

580
00:27:02,840 --> 00:27:04,040
Speaker 3: Thank you so much for having me.

581
00:27:10,520 --> 00:27:13,040
Speaker 1: The advice shared on She's on the Money is general

582
00:27:13,119 --> 00:27:16,960
Speaker 1: in nature and does not consider your individual circumstances. She's

583
00:27:17,000 --> 00:27:20,480
Speaker 1: on the Money exists purely for educational purposes and should

584
00:27:20,520 --> 00:27:23,680
Speaker 1: not be relied upon to make an investment or financial decision.

585
00:27:24,080 --> 00:27:26,520
Speaker 1: If you do choose to buy a financial product, read

586
00:27:26,520 --> 00:27:30,639
Speaker 1: the PDS, TMD and obtain appropriate financial advice tailored towards

587
00:27:30,720 --> 00:27:34,000
Speaker 1: your needs. Victoria, Divine and She's on the Money are

588
00:27:34,040 --> 00:27:39,080
Speaker 1: authorized representatives of Money. Sheper Pty Ltd ABN three two

589
00:27:39,080 --> 00:27:43,040
Speaker 1: one six four nine two seven seven zero eight AFSL

590
00:27:43,200 --> 00:27:51,400
Speaker 1: four five one two eight nine