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Transcript

You Gotta Pay to Play! · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it. She's on the Money. She's on
• 0:37
  Speaker 2: the Money. Hello, and welcome to She's on the Mune,
• 1:00
  Speaker 2: the podcast for millennials who want financial freedom. My friends,
• 1:04
  Speaker 2: today is Friday again, which means it is time to
• 1:07
  Speaker 2: get the team together and celebrate you ow incredible. She's
• 1:10
  Speaker 2: on the Money community today, Miss Grici over there is
• 1:14
  Speaker 2: going to be sharing our favorite money wins. We're going
• 1:16
  Speaker 2: to be helping to answer a juicy money dilemma, which
• 1:18
  Speaker 2: this week is all about hextet, and we're going to
• 1:21
  Speaker 2: be unpacking something you slid into our DMS about this week.
• 1:23
  Speaker 2: We're talking about when your friend pulls out of a
• 1:25
  Speaker 2: trip and the cost goes up. My friends, how has
• 1:28
  Speaker 2: your week been? Hi? Good? Good week for me? Good
• 1:32
  Speaker 2: to know? Beck? Yeah, good to know good busy good
• 1:34
  Speaker 2: busy good busy? Becau's your new job going? Are we
• 1:36
  Speaker 2: still loving it? Still loving it?
• 1:38
  Speaker 3: Always too much? I'm like, is there something I'm missing?
• 1:43
  Speaker 2: Yeah? Yeah, I don't lulling you into her false sense
• 1:45
  Speaker 2: of security must be Yeah, they might be. It's exactly
• 1:48
  Speaker 2: how it went for me. Ess. Have we decompressed off
• 1:52
  Speaker 2: the IWD high that we've been riding for the last
• 1:55
  Speaker 2: couple of weeks. Yeah, feeling good.
• 1:57
  Speaker 4: Back into routine, which is a bit sad but also
• 1:59
  Speaker 4: kind of nice. Like it's kind of a you know,
• 2:01
  Speaker 4: too sad a thing like it's sad because the travel
• 2:03
  Speaker 4: and sing everyone's so fun, but it's good because productivity.
• 2:07
  Speaker 2: Much when you can just sit down to your emails
• 2:10
  Speaker 2: and just like get through them and then be like, wow,
• 2:13
  Speaker 2: I don't have to get up and run away right now.
• 2:15
  Speaker 2: It's actually very liberating. I like it. I like it.
• 2:19
  Speaker 2: My week has been really good. So sorry what.
• 2:22
  Speaker 3: Oh no, I just said something silly. We are just
• 2:24
  Speaker 3: talking about doing laundry in your own house is nice.
• 2:26
  Speaker 2: Anyway, doing laundry in your own house is nice. Why
• 2:29
  Speaker 2: would we not be doing laundry our own house because
• 2:31
  Speaker 2: we've been on holiday and we've been traveling.
• 2:33
  Speaker 4: Because you're only gone short days. I just was like,
• 2:35
  Speaker 4: that's the problem when I get home.
• 2:37
  Speaker 2: Yeah, I bent all mine up. Actually it's a good point.
• 2:40
  Speaker 2: I do only do laundry in my own house. And
• 2:43
  Speaker 2: you guys actually worked from my house earlier this week
• 2:45
  Speaker 2: and I think everyone that walked in the front door
• 2:47
  Speaker 2: was like, wow, it smells like laundry in here, because
• 2:50
  Speaker 2: like I had just done heaps of loads of laundry,
• 2:52
  Speaker 2: and I was like, yeah, because they banked it all
• 2:53
  Speaker 2: up from travel. So sorry, sorry, but miss JESSI I
• 2:59
  Speaker 2: want to know what are you going to be sharing
• 3:01
  Speaker 2: with us this week? What are our community money wins?
• 3:04
  Speaker 2: All right?
• 3:04
  Speaker 4: I'm actually going to start off this week with a
• 3:06
  Speaker 4: money loss which came from Lauren. But it's a good
• 3:08
  Speaker 4: reminder for everybody because she said money loss. My doctor
• 3:11
  Speaker 4: didn't tell me I could go to a bulk billing
• 3:13
  Speaker 4: MRI clinic and sent me to one where I had
• 3:15
  Speaker 4: to pay had to pay two hundred and seventy dollars
• 3:17
  Speaker 4: each time for two MRIs. I'm now in a whole
• 3:20
  Speaker 4: heap of medical fees my fracture hand. Many tears have
• 3:22
  Speaker 4: been shared, Lauren. I hope you're feeling okay. I hope
• 3:25
  Speaker 4: your week got better. But also I had to book
• 3:27
  Speaker 4: a doctor's appointment this week just to pick up a
• 3:29
  Speaker 4: new medication. And my normal doctor no longer bulk bills.
• 3:33
  Speaker 4: I've heard that, and I've got on and I checked,
• 3:35
  Speaker 4: and I've heard it's a pretty widespread thing. A lot
• 3:37
  Speaker 4: of local gps are shifting to normal billing, not bulk billings.
• 3:42
  Speaker 4: You're going to go in check or use the hot
• 3:44
  Speaker 4: dog app because it tells you whether they're bulk built
• 3:47
  Speaker 4: or not.
• 3:48
  Speaker 2: Hot doc apps grow. It's so yady.
• 3:50
  Speaker 4: I don't know what we did before it, but yeah,
• 3:51
  Speaker 4: if you're going to the doctor, I would say, don't
• 3:53
  Speaker 4: get stung, because I, like Lauren, got bit in the
• 3:55
  Speaker 4: butt unfortunately, So check your doctors. But moving on to
• 4:00
  Speaker 4: a money win this week, I have one from Alexandra
• 4:02
  Speaker 4: who said I went to the Hunter Markets on the
• 4:04
  Speaker 4: weekend as a storeholder. I made seven hundred dollars on
• 4:06
  Speaker 4: clothes I was just throwing out nice I also managed
• 4:10
  Speaker 4: to score Tony Bianco sandals for ten dollars brain New.
• 4:13
  Speaker 2: Money Ween money Ween. We held a store that once
• 4:15
  Speaker 2: we did, I didn't make seven hundred bucks. Stock was
• 4:19
  Speaker 2: she selling? I know, if you've got any tips for Alexander,
• 4:22
  Speaker 2: let us know. She's like, have better outfits, Jessica. Maybe
• 4:25
  Speaker 2: that was exactly Stop trying to sell everybody your trash
• 4:29
  Speaker 2: and start partying with those Maxi dresses. Everyone keeps asking
• 4:32
  Speaker 2: me for this.
• 4:33
  Speaker 4: Next money win comes from a Laura who said I
• 4:35
  Speaker 4: wanted to buy the She's on the Money budget journal,
• 4:37
  Speaker 4: but because it was my birthday on Saturday, I ended
• 4:40
  Speaker 4: up getting it as a gift. Money win hard.
• 4:43
  Speaker 2: I love a little She's on the Money gift.
• 4:47
  Speaker 4: As a present. I think it's so sweet. Next, I've
• 4:50
  Speaker 4: got a money win from Taylor, who said money win.
• 4:52
  Speaker 4: I purchased a very reasonably priced secondhand reformer from my
• 4:56
  Speaker 4: local Coloni studio.
• 4:57
  Speaker 2: That's not a thing so reasonably priced reform. It's a reformer,
• 5:01
  Speaker 2: how clever, though I would never have even thought to
• 5:03
  Speaker 2: buy one. A pillartis reformer. It's like apparatus that you
• 5:06
  Speaker 2: know when you see like those really skinny women on
• 5:09
  Speaker 2: Instagram on the reformer Pilarates massage like the thing you
• 5:12
  Speaker 2: lay down on. Yeah, oh she thought the whole thing
• 5:16
  Speaker 2: she bought, like whole thing. She put a photo. It
• 5:17
  Speaker 2: looks real cute. Noo my god, wowow wow, oh my gosh.
• 5:21
  Speaker 2: I want one of those so bad. But I didn't
• 5:23
  Speaker 2: realize how expensive they were, and I tried to buy one.
• 5:26
  Speaker 2: I was looking everywhere. IL was on like eBay and Facebook,
• 5:28
  Speaker 2: Marketplace and gum Tree, and they were all a couple
• 5:30
  Speaker 2: of thousand dollars. So the massage has nabbed one cheaply
• 5:33
  Speaker 2: money wine, I love that for you.
• 5:35
  Speaker 4: And then one last money win that we shared on
• 5:37
  Speaker 4: Instagram this week. The Victorian Energy bonus if you're in.
• 5:40
  Speaker 2: VIC is back, so previously fifty dollars rus Jessica.
• 5:44
  Speaker 1: Yeah.
• 5:45
  Speaker 4: And if you're thinking, oh I already got it, I
• 5:47
  Speaker 4: can't get it.
• 5:47
  Speaker 2: No, No, it's renewed.
• 5:49
  Speaker 4: It's just renewed, so even if you compared your energy
• 5:51
  Speaker 4: bill previously, you can jump on the website and we'll
• 5:54
  Speaker 4: have it linked in the show notes. Or I think
• 5:55
  Speaker 4: we popped on as stories this week and get yourself
• 5:57
  Speaker 4: a free two hundred and fifty bucks because why not week.
• 6:01
  Speaker 2: Don't say we don't do anything for you. With She'ese
• 6:03
  Speaker 2: on the Money, You're welcome. All right, guys, we're going
• 6:06
  Speaker 2: to go to a really quick break. But on the
• 6:07
  Speaker 2: flip side, we're going to be talking about hex stet
• 6:10
  Speaker 2: and we're also unpacking what happens when your friend pulls
• 6:13
  Speaker 2: out of a trip but you've already paid and now
• 6:14
  Speaker 2: it's going to cost you more. Don't go anywhere. Welcome back, everybody.
• 6:24
  Speaker 4: Should we jump arriety into this week's money dilemma because
• 6:27
  Speaker 4: I feel like we're gonna have a lot to say.
• 6:29
  Speaker 2: I'm ready leg go. Hi there. Have you got a
• 6:33
  Speaker 2: money dilemma you just can't solve? The She's on the
• 6:35
  Speaker 2: Money team is here to help. Every week we tackle
• 6:38
  Speaker 2: your dilemmas, both big and small, to answer your most
• 6:41
  Speaker 2: burning money, career and life questions. To get involved, simply
• 6:45
  Speaker 2: head to our website and leave us a short voice
• 6:47
  Speaker 2: recording and you might just find yourself on the show. Now,
• 6:50
  Speaker 2: let's take a listen to this week's money dilemma.
• 6:55
  Speaker 5: Heyving and team, I just have a question about HEX.
• 6:58
  Speaker 5: I currently around twenty thousand dollars in my HEX debt
• 7:02
  Speaker 5: at my current job. I have been working there for
• 7:05
  Speaker 5: about two years now, and obviously with every paycheck I get,
• 7:09
  Speaker 5: I get a little bit less, and that is going
• 7:11
  Speaker 5: towards paying my HEX off. I have noticed, though, recently,
• 7:15
  Speaker 5: that my job has only made one repayment on my
• 7:19
  Speaker 5: HEX and it's only been for about one thousand dollars,
• 7:22
  Speaker 5: which doesn't really add up with the amount of money
• 7:25
  Speaker 5: that's been coming out of my pay packet because of that,
• 7:28
  Speaker 5: So I wanted to know how often should our employers
• 7:31
  Speaker 5: be making these repayments and what can we do about
• 7:34
  Speaker 5: it if they're not.
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  Speaker 3: I don't have any advice for this one, obviously. Okay,
• 7:38
  Speaker 3: I know that's not shocking, but that is a really
• 7:40
  Speaker 3: good question. I do wonder that myself. Is the interest,
• 7:44
  Speaker 3: like is the interest on HEX indexation?
• 7:46
  Speaker 2: There's indexations I'm paying interest, which, yeah, Jess, carry on.
• 7:50
  Speaker 2: I'll let you you take the reins on this one,
• 7:52
  Speaker 2: because I know you know.
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  Speaker 4: So indexation is adjusted for inflation every year, if I am,
• 7:58
  Speaker 4: is it that correct?
• 7:59
  Speaker 2: Victoria after far? Yes, yes, this is great. It's an
• 8:01
  Speaker 2: average of the previous two financial years, so you're not
• 8:04
  Speaker 2: going to get slammed with this year's inflation rate. But
• 8:08
  Speaker 2: obviously it's going to be high because this year's inflation
• 8:10
  Speaker 2: rate was relatively high. It will be an average of
• 8:12
  Speaker 2: the last two financial years.
• 8:14
  Speaker 4: Yeah, So saying that this year indexational grapple. And we
• 8:16
  Speaker 4: had question a few weeks ago from someone, if I
• 8:18
  Speaker 4: remember correctly, asking about if they should look at paying
• 8:20
  Speaker 4: that back because indexation is jumping quite a bit this year.
• 8:24
  Speaker 4: But that's all we're asking. We're asking how often should
• 8:26
  Speaker 4: we contributing? And I actually don't know the answer to that. VD.
• 8:29
  Speaker 2: So your employer is actually going to withhold additional amounts
• 8:32
  Speaker 2: from each of your pay period and then send that
• 8:35
  Speaker 2: full amount to the ATO, So obviously I don't know
• 8:38
  Speaker 2: what you're earning. That context would have helped. Obviously it's
• 8:41
  Speaker 2: going to be in line with your income as to
• 8:43
  Speaker 2: how much you're paying back each year. But a thousand
• 8:46
  Speaker 2: dollars does not sound correct in any circumstance. So I'm
• 8:49
  Speaker 2: assuming that they haven't done that. There could be a
• 8:51
  Speaker 2: couple of reasons for this. So as an employer, I
• 8:55
  Speaker 2: pay back HEX every time I do tax, and I
• 8:57
  Speaker 2: do tax four times a year. I do my business
• 9:00
  Speaker 2: tax whenever I get my best statement, which was my
• 9:03
  Speaker 2: business activity statement, and that's just a way for small
• 9:06
  Speaker 2: business owners or even just normal business owners to keep
• 9:09
  Speaker 2: up with making sure that you know, come June thirty,
• 9:13
  Speaker 2: I don't get lumped with every single dollar of tax
• 9:15
  Speaker 2: that I was meant to pay for that twelve month period.
• 9:17
  Speaker 2: Like that does not sound sexy. So I do it
• 9:19
  Speaker 2: every three months. So I make sure that your souper
• 9:21
  Speaker 2: is done quarterly, and I make sure that you know
• 9:23
  Speaker 2: everything is up to date and squeaky clean. But I
• 9:27
  Speaker 2: pay on a monthly basis, So I take it out
• 9:29
  Speaker 2: of your pages every single month and withhold it and
• 9:32
  Speaker 2: then pay it in a quarterly amount because that's just
• 9:34
  Speaker 2: when I log in and do that process. In saying
• 9:38
  Speaker 2: that there are some employers who might do that on
• 9:41
  Speaker 2: a weekly basis, because you can do that on a
• 9:43
  Speaker 2: weekly basis, I just don't like admins light put it
• 9:45
  Speaker 2: off at the end of the day. It's going to
• 9:49
  Speaker 2: you know, depend on the employer. But obviously at the
• 9:52
  Speaker 2: end of each pay period or financial year, they should
• 9:56
  Speaker 2: have sent the full amount to your HEX to make
• 9:58
  Speaker 2: sure it is being paid off. So what happens then
• 10:02
  Speaker 2: is the ATO is going to calculate your help or
• 10:04
  Speaker 2: HEX repayments when you lodd your tax return to make
• 10:07
  Speaker 2: sure that everything's lining up, because what could have happened
• 10:10
  Speaker 2: is you got a higher paying job halfway through the years,
• 10:12
  Speaker 2: so your help repayments were higher and therefore you know
• 10:15
  Speaker 2: there might be a difference there, or maybe you forgot
• 10:18
  Speaker 2: to tell your new employer that you even had a
• 10:20
  Speaker 2: help repayment and you're in a bit of a pickle
• 10:22
  Speaker 2: and have to pay back a bit more. So they're
• 10:24
  Speaker 2: just making sure that all the boxes are ticked and
• 10:26
  Speaker 2: everything has been done correctly. Obviously, if it turns out
• 10:30
  Speaker 2: that your employers withheld too much, you might get a refund,
• 10:33
  Speaker 2: which could be really sexy. And obviously if they've not
• 10:35
  Speaker 2: paid enough, you might need to actually pay and that
• 10:37
  Speaker 2: might be a liability for you. But essentially, you doing
• 10:40
  Speaker 2: your tax return is going to tell you whether your
• 10:42
  Speaker 2: employer paid that or not. So it's not just like
• 10:45
  Speaker 2: a voluntary thing. It's obviously necessary and you're going to
• 10:48
  Speaker 2: find out when you do your tax return because your
• 10:50
  Speaker 2: help slash hex's debt is related to the ATO and
• 10:54
  Speaker 2: completely connected, so they'll be able to tell you. So
• 10:57
  Speaker 2: if you're worried that your employer hasn't done this, I
• 11:00
  Speaker 2: wouldn't go full gung ho to begin with, I would
• 11:02
  Speaker 2: actually contact the ATO and ask about it. I would
• 11:05
  Speaker 2: log into my portal on the MyGov website first have
• 11:08
  Speaker 2: a look at it. If that's not making sense, I
• 11:10
  Speaker 2: would then literally call the ATO. They're super friendly there,
• 11:13
  Speaker 2: I promise, and they will help you, and they will
• 11:15
  Speaker 2: go all right, no worries, Let's have a look at
• 11:18
  Speaker 2: what should have been paid versus what we have currently
• 11:21
  Speaker 2: withheld for it to be processed. But the best way
• 11:24
  Speaker 2: to find that out is if you do tax return basically,
• 11:27
  Speaker 2: and then at that point, if your employer isn't actually
• 11:31
  Speaker 2: paying the right amount or there's been stuff that has
• 11:33
  Speaker 2: been missed, that's when you would talk to your employer.
• 11:36
  Speaker 2: If the business is bigger, I would talk directly to
• 11:38
  Speaker 2: payroll and be like, what the heck is going on?
• 11:41
  Speaker 2: Obviously it's less and this is not a good thing,
• 11:44
  Speaker 2: but it's less of an issue the bigger the company.
• 11:47
  Speaker 2: So obviously the bigger the company, the more clean the
• 11:50
  Speaker 2: processes are usually going to be. And if your HEX
• 11:52
  Speaker 2: repayments have been missed, it's usually just like literally a
• 11:56
  Speaker 2: processing slash admin error and they'll probably fix it up
• 12:00
  Speaker 2: quick smart. If your employer is a little bit of
• 12:02
  Speaker 2: a cheeky rabbit and not doing the right thing, and
• 12:05
  Speaker 2: they're a small business. That might be a harder conversation
• 12:07
  Speaker 2: to be had, but know you're worth and follow it.
• 12:11
  Speaker 2: I think we don't need to be aggressive in these circumstances.
• 12:13
  Speaker 2: Just hey, you haven't paid me this. It needs to
• 12:16
  Speaker 2: be fixed. Otherwise I'll take it up with the ATO.
• 12:18
  Speaker 3: Could it be possible that it looks like that amount
• 12:22
  Speaker 3: or you know, what you think should have been paid
• 12:24
  Speaker 3: hasn't been paid simply because of that indexation thing, so
• 12:27
  Speaker 3: it looks like only a thousand dollars been paid.
• 12:29
  Speaker 4: Potentially, like if she's looking at like the total amount
• 12:32
  Speaker 4: on your hex statement, Like if you go into your
• 12:35
  Speaker 4: Mygove portal and click on your hex statement, it will
• 12:38
  Speaker 4: tell you what payments have been made and what indexation
• 12:40
  Speaker 4: has been implied in separate line items, so it will
• 12:43
  Speaker 4: be really broken down.
• 12:44
  Speaker 2: It will be very clear for you to be able
• 12:46
  Speaker 2: to see as somebody who has a ridiculous hex step.
• 12:48
  Speaker 2: Still I look at that and it makes me angry.
• 12:51
  Speaker 2: So I do know that that document quite well. But
• 12:54
  Speaker 2: also it might just be because your tax hasn't been
• 12:57
  Speaker 2: lodged yet and it hasn't all been reconciled. So that's
• 12:59
  Speaker 2: why I'm saying, just check first, because you don't want
• 13:01
  Speaker 2: to accuse your employer of not paying it when maybe
• 13:04
  Speaker 2: they have, because that could especially if they're a small business,
• 13:06
  Speaker 2: it could just be really awkward. Like I mean, Jess,
• 13:09
  Speaker 2: I'd find it really awkward if you're like the you
• 13:11
  Speaker 2: haven't paid this, and I'd be like, oh my gosh,
• 13:12
  Speaker 2: I definitely have let me go fix this. Yeah, Like,
• 13:14
  Speaker 2: I'm not saying that obviously i'd tackle that head on,
• 13:17
  Speaker 2: but I think it's one of those things where I'd
• 13:19
  Speaker 2: be really upset if there was a lack of trust.
• 13:22
  Speaker 2: And I'm not saying that that should ever come into play.
• 13:24
  Speaker 2: I'm just saying, like, approach these things with a level
• 13:27
  Speaker 2: of caution just because you don't want to get someone offside,
• 13:30
  Speaker 2: because by saying that, you're kind of saying I don't
• 13:33
  Speaker 2: really trust this process. Please fix but dott all your
• 13:36
  Speaker 2: eyes and cross all UT's beforehand to make sure it
• 13:38
  Speaker 2: hasn't been paid before you go all right, you haven't
• 13:41
  Speaker 2: paid my hex, and I can go, heck, what has happened.
• 13:43
  Speaker 2: Maybe I've forgotten to do it, or maybe I've taken
• 13:46
  Speaker 2: it out of the wrong account. Maybe it hasn't been
• 13:47
  Speaker 2: processed yet, and it can be an open honest conversation.
• 13:50
  Speaker 2: I think approaching these things as though it should be
• 13:53
  Speaker 2: an open honest conversation. Like if I just said to you, hey, Beck,
• 13:56
  Speaker 2: my hex hasn't been paid, can we just fix that?
• 13:59
  Speaker 2: It's not so much. I was just wondering, No, no,
• 14:01
  Speaker 2: my hex hasn't been paid. It needs to be paid. Yeah,
• 14:04
  Speaker 2: Like at the end of the day, it's just a
• 14:05
  Speaker 2: very pragmatic conversation. We don't need to make this emotional.
• 14:09
  Speaker 2: So that's where I would be going.
• 14:11
  Speaker 4: Yeah, speaking of open honest conversations, this week, someone's let
• 14:14
  Speaker 4: into our DMS about a topic that I feel like
• 14:17
  Speaker 4: requires exactly that.
• 14:18
  Speaker 2: What did they say? You're right, Jess. We had a
• 14:21
  Speaker 2: very interesting community dilemma because I feel like this could
• 14:24
  Speaker 2: cause a few arguments in friendship grips. So did our
• 14:27
  Speaker 2: DM set hello, this is for the community DM. My
• 14:30
  Speaker 2: friends and I have planned a trip to Bali. We
• 14:33
  Speaker 2: paid for everything and it was all locked and loaded
• 14:35
  Speaker 2: until one of my friends said she can't make the
• 14:38
  Speaker 2: trip anymore because of work. She pulled out and it's
• 14:41
  Speaker 2: going to cost us around three hundred dollars extra each
• 14:44
  Speaker 2: and we just don't think we should have to foot
• 14:46
  Speaker 2: her bill after she's agreed. Her argument is that we're
• 14:49
  Speaker 2: the ones going and she isn't, so it's not fair
• 14:51
  Speaker 2: for her to pay. Not sure how to approach it
• 14:54
  Speaker 2: or frame it for her in a way that she's
• 14:56
  Speaker 2: going to understand. Awkward, that is awkward, no chance.
• 15:02
  Speaker 3: If I've done that before, I've pulled out of a
• 15:04
  Speaker 3: trip last minute, I just I'm sorry. That's not my
• 15:06
  Speaker 3: money anymore.
• 15:07
  Speaker 4: That's gone into the petty couple loss. Like I feel
• 15:11
  Speaker 4: like in this situation, and I've been that person too.
• 15:13
  Speaker 4: I did it last year when we went to Europe.
• 15:14
  Speaker 4: I had like a little weekend away booked and then
• 15:17
  Speaker 4: you're like, do you want to go to Europe?
• 15:18
  Speaker 2: And I was like, yes, I would like to go
• 15:19
  Speaker 2: to Europe. So obviously, like I didn't know that happened.
• 15:23
  Speaker 2: Sorry for putting you in that situation.
• 15:24
  Speaker 4: But no, it's so fine, and it's a group of
• 15:25
  Speaker 4: friends that we go away with pretty regularly, so I
• 15:27
  Speaker 4: didn't feel bad.
• 15:28
  Speaker 2: It wasn't black guy, Now I feel bad.
• 15:30
  Speaker 4: No, No, it wasn't like a one year thing that
• 15:32
  Speaker 4: I like bailed on because then I would feel bad.
• 15:34
  Speaker 4: But in that situation, I literally said, oh, I can't
• 15:36
  Speaker 4: make it, and that was the end of the conversation
• 15:38
  Speaker 4: because from my perspective, if I pull my money out,
• 15:42
  Speaker 4: you've accommodated for me within that group. Like the accommodation,
• 15:45
  Speaker 4: you've accounted for ten people so instead of nine people,
• 15:49
  Speaker 4: and you've if you've pre booked activities. I don't see
• 15:53
  Speaker 4: the reason that somebody else should wear change of mind.
• 15:57
  Speaker 4: And I know that it's more complex if maybe you've
• 15:59
  Speaker 4: pulled out because you're sick and you don't want to
• 16:00
  Speaker 4: get other people or whatever, but.
• 16:01
  Speaker 2: I'm sorry, that's still that's still a cost, like as
• 16:04
  Speaker 2: an offunable booking. From my perspective, I don't mean to
• 16:07
  Speaker 2: be rude, but like it's the risky tech pay to
• 16:10
  Speaker 2: play baby totally and like you know, if if someone
• 16:13
  Speaker 2: else is like, hey, i'll take your place and I'll
• 16:15
  Speaker 2: pay you for it, oh yeah, but if not, then unfortunately,
• 16:19
  Speaker 2: it's just yeah, there's going to be a bed there
• 16:20
  Speaker 2: that was allocated to you have to soak that up. Like, yeah,
• 16:24
  Speaker 2: we've done group trips before, and I'm sure you guys
• 16:26
  Speaker 2: have done it where everyone kind of has this chat
• 16:28
  Speaker 2: we all want to go on a group trip. You know,
• 16:30
  Speaker 2: there's ten of us going, so we find a place
• 16:33
  Speaker 2: that's within our budget because we know, all right, well
• 16:35
  Speaker 2: Beck said that she reckons two hundred bucks for accommodation
• 16:38
  Speaker 2: for the weekndle it's you know, times that by the
• 16:40
  Speaker 2: ten people that are there. If you've set your budgets
• 16:43
  Speaker 2: and you've you know, communicated with your friends like this
• 16:46
  Speaker 2: is what this is, and you know you've all agreed, ye,
• 16:48
  Speaker 2: for me to then say, oh well, I don't want
• 16:50
  Speaker 2: to come, My two hundred dollars for the weekend should
• 16:53
  Speaker 2: be divided and you know, soaked out by the rest
• 16:55
  Speaker 2: of you. Absolutely not, Like, if you've committed to taking that,
• 17:00
  Speaker 2: you've committed to that expense and if you think you're
• 17:03
  Speaker 2: going to pull out, why are you committing to that
• 17:04
  Speaker 2: trip and lulling people into the false sense of security
• 17:07
  Speaker 2: that they're going to have a cheaper trip than they
• 17:09
  Speaker 2: actually are. That's not fair.
• 17:11
  Speaker 4: Like from my perspective, it's just an inability to take
• 17:14
  Speaker 4: I think responsibility for yourself and your choices, or you'll
• 17:17
  Speaker 4: and again obviously like being sick for example, maybe not
• 17:20
  Speaker 4: a choice. However, you know, if you book something really
• 17:23
  Speaker 4: far in advance, you know that there's a risk of
• 17:25
  Speaker 4: that happening. That's why you have insurance if you're traveling
• 17:28
  Speaker 4: and things like that. But I think you can't expect
• 17:31
  Speaker 4: other people to be responsible for your issues or your problems,
• 17:36
  Speaker 4: or your choices or whatever, like whatever comes up, that's
• 17:38
  Speaker 4: a you problem, Like I don't think it's reasonable, and
• 17:41
  Speaker 4: you don't know the circumstances that everyone else is in,
• 17:43
  Speaker 4: Like maybe they've really stretched their budget to go on this.
• 17:46
  Speaker 2: Holiday to Bali, which lots of people do. Ah.
• 17:49
  Speaker 4: I used to literally come home with like seventies sens
• 17:51
  Speaker 4: in my bank account when ice like, I've definitely been there.
• 17:54
  Speaker 4: And so if you had said to me if I
• 17:56
  Speaker 4: was in that situation a week before, you like, you're
• 17:58
  Speaker 4: gonna have to cough up an extra to go a
• 18:00
  Speaker 4: few bucks.
• 18:00
  Speaker 2: I would have been like, I do not have that.
• 18:02
  Speaker 2: You literally do not have the dollars to give you,
• 18:05
  Speaker 2: you know, and it's not fair, Like I don't think
• 18:07
  Speaker 2: that you should become a financial burden on other people,
• 18:11
  Speaker 2: Like it is not other people's responsibility to carry you.
• 18:14
  Speaker 2: So I'm pretty cut and dry with that because I
• 18:16
  Speaker 2: have been stung by that before. I've had those arguments
• 18:18
  Speaker 2: where it's like, well, if you're not coming, either replace
• 18:21
  Speaker 2: yourself or pay for it. And I feel like there
• 18:25
  Speaker 2: are also circumstances where it's like it's not appropriate to
• 18:28
  Speaker 2: replace yourself either. So like there might be like a
• 18:30
  Speaker 2: couple's trip and you know, Jess, I've invited you and
• 18:33
  Speaker 2: your partner and my partner and I going away and
• 18:35
  Speaker 2: there's another couple and we've all agreed that we're comfortable
• 18:37
  Speaker 2: with that. I don't want you to turn around and
• 18:39
  Speaker 2: be like, all right, well, I'll find another couple that
• 18:41
  Speaker 2: I know that can pay for this and go on
• 18:43
  Speaker 2: a holiday with you guys that we don't know. Like that,
• 18:47
  Speaker 2: to me, it's not an appropriate compromise. Like I think
• 18:51
  Speaker 2: that that's just you're going to get slapped with that
• 18:53
  Speaker 2: cost because I booked a house with three bedrooms and
• 18:56
  Speaker 2: one of those, regardless of whether you're there or not,
• 18:58
  Speaker 2: is going to be allocated to you, whether you sleep
• 19:01
  Speaker 2: in that bed or not. So I just I think
• 19:04
  Speaker 2: it's a really awkward conversation to have. And I think
• 19:07
  Speaker 2: that this is such an issue that I think it
• 19:10
  Speaker 2: happened a lot when I was younger, Right, I think
• 19:12
  Speaker 2: now that most of my friends are a little bit
• 19:14
  Speaker 2: more financially secure and maybe a little bit more mature
• 19:18
  Speaker 2: about these things. They are like, I can't imagine that happening. Yeah,
• 19:22
  Speaker 2: but I remember when I was like in my twenties
• 19:24
  Speaker 2: and we're traveling and like, you know, doing the Bali
• 19:27
  Speaker 2: thing or going away for girls' weekends, and then someone
• 19:30
  Speaker 2: will drop out because they've got a shift at work
• 19:31
  Speaker 2: or something, and being like, oh, well, no, beg you,
• 19:34
  Speaker 2: actually you should be paying for that, and they're like, nah,
• 19:36
  Speaker 2: I've got to go to work. Like that's not like, oh,
• 19:38
  Speaker 2: I do not miss the drama of being in my
• 19:40
  Speaker 2: early twenties.
• 19:41
  Speaker 4: Yeah, acknowledging that it sucks being the person sometimes, Like
• 19:45
  Speaker 4: I'm sure that if this person's got a job, they're
• 19:47
  Speaker 4: probably bummed out.
• 19:49
  Speaker 2: Or if you've gotten sick and you can't got to
• 19:50
  Speaker 2: pay for something I can't use. I get it, totally
• 19:52
  Speaker 2: get that that sucks.
• 19:53
  Speaker 4: But I'm interested to know what everyone else thought, because
• 19:55
  Speaker 4: it feels like we're all on the same page.
• 19:56
  Speaker 1: Yeah.
• 19:57
  Speaker 2: I just think that if you're going to book a
• 19:59
  Speaker 2: trip with girl friends or a trip with any other people,
• 20:02
  Speaker 2: you need to have the mindset of this. If I
• 20:04
  Speaker 2: pay it is a non refundable trip, regardless of what
• 20:07
  Speaker 2: the booking says, it's non refundable because all your friends
• 20:11
  Speaker 2: are still going, and that's just not fair totally. We
• 20:14
  Speaker 2: did ask some exploratory questions, jess So we said, have
• 20:17
  Speaker 2: you ever had a friend pull out of a holiday
• 20:19
  Speaker 2: last minute? Thirty six percent of you said yes, lower
• 20:23
  Speaker 2: than I thought. To be honest, really, I kind of
• 20:25
  Speaker 2: thought it would be like almost fifty to fifty. So
• 20:28
  Speaker 2: someone said, if yes, did this impact the cost of
• 20:31
  Speaker 2: the holiday you're having? Sixty seven percent said yes, they
• 20:35
  Speaker 2: had to absorb the cost. Yeah, I'm not surprised. I'm
• 20:38
  Speaker 2: just mad about it.
• 20:39
  Speaker 1: I know.
• 20:40
  Speaker 2: Someone said, did you pay the difference or did they?
• 20:43
  Speaker 2: Fifty one percent said yeah, we had to make up
• 20:45
  Speaker 2: the difference. Forty nine percent Nope, the person who pulled
• 20:47
  Speaker 2: out paid the extra. Yeah, the heck. And then when
• 20:51
  Speaker 2: we asked for your two cents. A lot of people obviously,
• 20:54
  Speaker 2: I'm not surprised that this happened, as that happens every week.
• 20:57
  Speaker 2: They agreed with our point of view. Jessica's almost like
• 21:00
  Speaker 2: our community. But also people were like, oh my gosh,
• 21:03
  Speaker 2: this is such a tough one. Both sides are valid
• 21:05
  Speaker 2: can't wait to hear the consensus on the pod. You're welcome, Yes, indeed,
• 21:09
  Speaker 2: you're enjoyed. Someone said I'd feel so uncomfortable asking a
• 21:12
  Speaker 2: friend to pay for a holiday they can't attend, which
• 21:15
  Speaker 2: I think is a flip side, Like I get.
• 21:17
  Speaker 3: That, I get it, I get it, But if it's
• 21:19
  Speaker 3: everything's being booked already, then they're not going out of
• 21:22
  Speaker 3: their way to pay for something that they can't attend.
• 21:25
  Speaker 3: It's more like everyone paid. I'm assuming everything's being paid
• 21:28
  Speaker 3: for and they kind of want their money back. Is
• 21:31
  Speaker 3: that what's happening?
• 21:32
  Speaker 2: Yeah, I think so.
• 21:33
  Speaker 4: I feel like it really filters into the reason that
• 21:37
  Speaker 4: they're not going as well. So like if your friend
• 21:39
  Speaker 4: had said, oh my gosh, I've just found out that
• 21:42
  Speaker 4: I've been made redundant I have no job. Yeah, I
• 21:44
  Speaker 4: feel like in that circumstance you probably would be more
• 21:47
  Speaker 4: open to having the conversation. Were like, okay, we get it.
• 21:50
  Speaker 4: Like being empathetic, I can understand and be more inclined.
• 21:53
  Speaker 2: To absorb the cost.
• 21:54
  Speaker 4: But I think if in this situation, I'm really sorry,
• 21:56
  Speaker 4: I can't go at clashes. I've just got a new job.
• 21:59
  Speaker 4: You're applying for jobs knowing that you had that coming up,
• 22:02
  Speaker 4: and it's either a conversation that maybe you could have
• 22:04
  Speaker 4: had with you and your employer, like can I start afterwards?
• 22:07
  Speaker 2: It's not really something that I think is reasonable to
• 22:10
  Speaker 2: put back on. I just I couldn't agree. More like,
• 22:14
  Speaker 2: the general consensus for me is you should not be
• 22:17
  Speaker 2: somebody else's financial burden. Like that's from me, and a
• 22:21
  Speaker 2: few other people said, Look, it depends how far in
• 22:23
  Speaker 2: advance the trip was booked. Can they find a replacement
• 22:26
  Speaker 2: or is it too late. If it's too late, they
• 22:28
  Speaker 2: have to pay, which we obviously have just touched on.
• 22:31
  Speaker 2: Someone said, it makes me so frustrated as this has
• 22:33
  Speaker 2: happened to me. It's why I just choose to travel
• 22:35
  Speaker 2: alone or only with my boyfriend. Someone said, obviously, it's
• 22:39
  Speaker 2: completely dependent on the reason they've dropped out. Someone said,
• 22:43
  Speaker 2: if they knew it was non refundable, ie with the
• 22:46
  Speaker 2: hotel or the airline, then they have to front the
• 22:48
  Speaker 2: bill and then yeah, everything else was a little bit
• 22:51
  Speaker 2: very similar to what we said, and then someone else
• 22:53
  Speaker 2: said it seems pretty greedy on my friend's behalf. I
• 22:56
  Speaker 2: was like, oh, okay, Like I feel like that's aggressive
• 22:59
  Speaker 2: because I think you've touched on something, Jess. It really
• 23:01
  Speaker 2: depends on what it is. Like I mean, if a
• 23:04
  Speaker 2: parent got sick or something really popped up, I would
• 23:06
  Speaker 2: be like, oh my gosh, Like obviously I would prefer
• 23:09
  Speaker 2: not to spend this, but like I don't want my
• 23:11
  Speaker 2: friend to be out. I think that friendships are give
• 23:14
  Speaker 2: and take, like I want to support my friends where possible.
• 23:18
  Speaker 2: And I'm not the type of person, even though being
• 23:21
  Speaker 2: quite aggressive in this conversation, I would say I'm a
• 23:23
  Speaker 2: relatively generous person, Like I don't want other people to,
• 23:27
  Speaker 2: you know, be financially struggling or you know, I'm the
• 23:30
  Speaker 2: first to go, oh my god, well, Beck, if you
• 23:32
  Speaker 2: can't afford it, like I'm happy to chip in a
• 23:34
  Speaker 2: little bit more. That's showing my privilege. But at the
• 23:37
  Speaker 2: same time, if I didn't have that amount of money,
• 23:40
  Speaker 2: like it would be a stress on me, and that's
• 23:41
  Speaker 2: not fair to expect. So I think it's one of
• 23:44
  Speaker 2: those things where it is really situational. I have a
• 23:47
  Speaker 2: hypothetical for you, right, I'm ready. So ten of us
• 23:50
  Speaker 2: have booked to go to Bali together.
• 23:51
  Speaker 4: Yeah, yeah, someone's pulled out because they've got a new job.
• 23:55
  Speaker 4: They've given us eight weeks. Notice the hotel, we can
• 23:59
  Speaker 4: still refund it. Do we go through the effort of
• 24:02
  Speaker 4: refunding the hotel, finding a new hotel, rebooking the hotel
• 24:07
  Speaker 4: based on the fact that this person can't come and
• 24:09
  Speaker 4: they're refusing to pay the cost? Like, would you like,
• 24:12
  Speaker 4: do you think it is worth with that much notice
• 24:14
  Speaker 4: going to that effort with that much?
• 24:16
  Speaker 3: Yeah?
• 24:17
  Speaker 2: Yeah, so I would say no. Do you know why
• 24:20
  Speaker 2: I'd say no? Why? Because you told me that we're
• 24:23
  Speaker 2: traveling in a group of ten. How much is the accommodation?
• 24:27
  Speaker 2: Like is it, you know, two hundred bucks? Or is
• 24:29
  Speaker 2: it two thousand dollars? Like? Are we staying in a
• 24:31
  Speaker 2: luxury filler? Because I'm assuming if we're traveling as a
• 24:34
  Speaker 2: group of ten, we probably had to book somewhere that
• 24:37
  Speaker 2: sleeps twelve to begin with. Do you know what I mean?
• 24:40
  Speaker 2: If you book somewhere that sleeps ten, then it's usually
• 24:43
  Speaker 2: like four bedrooms and then two people have to sleep
• 24:46
  Speaker 2: on the couch. But if you like, I'm just thinking
• 24:48
  Speaker 2: too much about this, I'm really sorry but saying would
• 24:51
  Speaker 2: you rather?
• 24:51
  Speaker 1: Yeah?
• 24:52
  Speaker 2: I hate playing would you rather? We do this? All
• 24:54
  Speaker 2: the time? Beck we play would you rather? When we
• 24:56
  Speaker 2: go to airports and we're sitting like in the lounge
• 24:58
  Speaker 2: waiting for our fly love that game, and Gabby always
• 25:00
  Speaker 2: asks the best would you rather questions? But then Jess
• 25:03
  Speaker 2: gets into the nitty gritty of like, well, okay, well
• 25:06
  Speaker 2: if I had need to have all the information, yeah,
• 25:08
  Speaker 2: like I need to have all the information, And if
• 25:10
  Speaker 2: I was going to be a dog with human hands
• 25:13
  Speaker 2: or a cat with a human face, like, am I pretty?
• 25:17
  Speaker 3: Yeah?
• 25:17
  Speaker 2: You really? I totally get it.
• 25:19
  Speaker 3: You're gonna get right into the nitty gritty of it.
• 25:21
  Speaker 2: She's like a decision on my hands. If I'm a
• 25:23
  Speaker 2: dog with human hands, are they functional? Like Cahn? I
• 25:26
  Speaker 2: wave like yeah, okay, anyway, I think that that's important
• 25:30
  Speaker 2: because am I going to go find another place? Is
• 25:33
  Speaker 2: the cost actually just going to be the same to
• 25:35
  Speaker 2: have somewhere that sleeps nine people instead of ten because
• 25:38
  Speaker 2: it's a group booking? Or do we book separate hotel
• 25:42
  Speaker 2: rooms for every single person staying, in which case it
• 25:44
  Speaker 2: might be worth it. But if we've booked a group
• 25:47
  Speaker 2: holiday and we've booked a nice villa and there's ten
• 25:49
  Speaker 2: beds and ones allocated to you, I don't think we
• 25:52
  Speaker 2: should be changing locations or if you're probably why people
• 25:56
  Speaker 2: don't go on holidays with me.
• 25:58
  Speaker 4: If you're a person who is cam, Yeah, do you
• 26:01
  Speaker 4: think a good way to approach the conversation if you
• 26:03
  Speaker 4: have this theoretical abundance of time is to say, I've
• 26:07
  Speaker 4: looked at the cost, I don't want to put you
• 26:08
  Speaker 4: guys out. Here's a potential alternative. I'm happy to do
• 26:11
  Speaker 4: the admin work to cancel and rod that's kind. We
• 26:14
  Speaker 4: think that that's maybe like a happy medium if you're
• 26:16
  Speaker 4: this person in a situation that we're acknowledging does suck. Absolutely,
• 26:20
  Speaker 4: Is that maybe a middle ground to approach it?
• 26:22
  Speaker 2: Absolutely, if there's a cheaper alternative and you've offered to
• 26:25
  Speaker 2: do the grunt work. Absolutely, Yeah, I think that that's
• 26:27
  Speaker 2: actually the smart thing to do, or even offered suitable alternatives. Yeah, Yeah,
• 26:33
  Speaker 2: that's a nice middle Like the finding of the.
• 26:35
  Speaker 4: Person that you were saying before, Like if you have
• 26:37
  Speaker 4: an activity and it's reasonable to you know, bring someone
• 26:40
  Speaker 4: else in, like, oh, I can't make it, but my
• 26:41
  Speaker 4: other friend that you're also.
• 26:42
  Speaker 2: Friends with, my colleague, Yeah, here's my coworker. But to
• 26:47
  Speaker 2: overlay that, like let's say we do that someone's yeaeded
• 26:50
  Speaker 2: and they're not coming on our group cheery. But at
• 26:52
  Speaker 2: ten it's now down to nine. You and I know
• 26:54
  Speaker 2: Jess that there's a spare bed, so we invite another friend.
• 26:58
  Speaker 2: You now under the obligation to release the first person,
• 27:02
  Speaker 2: I think, because you've replaced them, absolutely give We give
• 27:07
  Speaker 2: Beck her money away. No, no, no, they can't pay
• 27:10
  Speaker 2: an addition, So like you, you replace it go all right, Beck,
• 27:13
  Speaker 2: like you get your money back because we actually found
• 27:15
  Speaker 2: someone to replace you.
• 27:16
  Speaker 1: Ah.
• 27:16
  Speaker 2: Yes, But you should have been in the position, from
• 27:19
  Speaker 2: my perspective, to say, okay, well I'm going to pay
• 27:22
  Speaker 2: for this unless I'm replaced. Yes, okay, okay, but that
• 27:25
  Speaker 2: person who's replacing can't pay.
• 27:27
  Speaker 3: Is that what you're saying? No, No, they pay, they
• 27:29
  Speaker 3: pay you exactly. I think the person replacing pays.
• 27:31
  Speaker 2: They pay you. Yeah, they don't get a free ride.
• 27:33
  Speaker 3: No, it's like a bond transfer when you're geology.
• 27:37
  Speaker 2: It's a bond transfer in the share house, the temporary
• 27:41
  Speaker 2: share house, share house, temporary share villa. We should Bali.
• 27:46
  Speaker 2: I love where this is going in Bali. She's on
• 27:49
  Speaker 2: the money. A single who listens to this podcast for covering,
• 27:56
  Speaker 2: would you Balley meet and greet to make it a
• 27:59
  Speaker 2: tax to doc in. We could take we could pack
• 28:03
  Speaker 2: up all our pod stuff. Oh god, we can potcasts
• 28:05
  Speaker 2: from anywhere. I just I don't want to say trip
• 28:08
  Speaker 2: I was anyone? Does anyone that went down really well?
• 28:12
  Speaker 2: Just car back in the day. I'm getting can't a
• 28:16
  Speaker 2: makeup brand in the eye? Oh yeah, tart tr t.
• 28:20
  Speaker 2: I'm getting way off track.
• 28:21
  Speaker 4: I might not.
• 28:22
  Speaker 2: No, I love it if this makes it to the
• 28:24
  Speaker 2: cod Just no. Content this week was dire. It's a
• 28:29
  Speaker 2: beauty brand.
• 28:29
  Speaker 4: They used to do make up trips for influencers and
• 28:32
  Speaker 4: so that they would go and they would go to
• 28:33
  Speaker 4: Bali and they'd do these huge villas and they'd brand
• 28:35
  Speaker 4: everything and they'd be free stuff. Anyway. It was a
• 28:37
  Speaker 4: whole thing, okay, And then they did it again this year.
• 28:39
  Speaker 4: It was like the first time post COVID, and it
• 28:41
  Speaker 4: blew up on TikTok because there was a lot of
• 28:42
  Speaker 4: discourse around who was invited.
• 28:44
  Speaker 2: And I was like, li truly no diversity it was,
• 28:48
  Speaker 2: but also people not really comprehending the fact that it
• 28:51
  Speaker 2: was probably more affordable for them to send everyone on
• 28:53
  Speaker 2: this luxury trip to Dubai.
• 28:55
  Speaker 4: I think it was then it would be for them
• 28:56
  Speaker 4: to buy and add on television, for example. So it's
• 28:59
  Speaker 4: like a cost benefiting getting very off track, but anyway,
• 29:01
  Speaker 4: like we could do that, but everything's.
• 29:02
  Speaker 2: Also just a little bit insensitive coming out of COVID,
• 29:05
  Speaker 2: being like here's a big fancy influencer tree. Anyway, there's
• 29:08
  Speaker 2: a lot to break down about that circumstance and slip
• 29:11
  Speaker 2: into it. Just you guys know that's in Bali one
• 29:13
  Speaker 2: day soon we can they can brandon villa. She's on
• 29:16
  Speaker 2: the money. Do you know what, It'll probably be cheaper
• 29:19
  Speaker 2: to have a villa in Bali for a month that
• 29:21
  Speaker 2: it is to run our office in the city for
• 29:23
  Speaker 2: a month. So I reckon, that's a good trade off.
• 29:25
  Speaker 2: Let's go, let's do it. Let's do it really really
• 29:28
  Speaker 2: quickly to get back on track. We don't want to
• 29:30
  Speaker 2: us back on track. We don't want to sorry for
• 29:32
  Speaker 2: you guys work. We want to go to Bali. We
• 29:35
  Speaker 2: can do that. We can do that straight after.
• 29:37
  Speaker 3: So in this DM they did mention, how do I
• 29:40
  Speaker 3: best approach this so that the other person can understand it?
• 29:44
  Speaker 2: Such a good send them this episode, send them episode.
• 29:46
  Speaker 2: But also I would say very aggressive. They might know
• 29:50
  Speaker 2: you've been talking about really aggressive.
• 29:52
  Speaker 3: Imagine just sending this without any context. Maybe don't don't
• 29:55
  Speaker 3: do that. Actually, maybe just.
• 29:56
  Speaker 2: Like send it to them with a time stamp so
• 29:59
  Speaker 2: they can't see how the stuff. Yeah, only listen to
• 30:01
  Speaker 2: the path that's about them. Yeah, yeah, yeah.
• 30:03
  Speaker 3: Or I would say, just kind of explain it, give
• 30:07
  Speaker 3: them some quick math.
• 30:08
  Speaker 2: Actually, maybe give.
• 30:09
  Speaker 3: Them too many numbers so they get a bit confused,
• 30:11
  Speaker 3: and just say, Okay, I'm happy to release the money,
• 30:13
  Speaker 3: but that.
• 30:13
  Speaker 2: It's not acceptable back community, not in this is the
• 30:18
  Speaker 2: best way to do it. He knows them.
• 30:20
  Speaker 3: Just explain that. You know it's you guys all took
• 30:23
  Speaker 3: into consideration how much you're willing to spend with that
• 30:26
  Speaker 3: person in mind, and you would have calculated it differently
• 30:29
  Speaker 3: if you knew that they were going to bail, So
• 30:31
  Speaker 3: you can't all afford to put out any more money
• 30:33
  Speaker 3: at this stage, And hopefully they understand. That's my two cents.
• 30:36
  Speaker 4: And a good lesson for anyone going forward if you
• 30:38
  Speaker 4: are booking big group trips is maybe have that conversation
• 30:41
  Speaker 4: up front and just say, hey, everyone, we're locking this
• 30:43
  Speaker 4: in if anyone's got to pull out, are we all
• 30:46
  Speaker 4: on the same page in regards to you bail too.
• 30:48
  Speaker 2: Bout. There's a whole conversation to have around that as well,
• 30:51
  Speaker 2: about what happens if everybody doesn't want to chip in
• 30:55
  Speaker 2: and then someone's put it on their credit card and
• 30:57
  Speaker 2: they're out. Oh my gosh. It's a whole thing. But
• 30:59
  Speaker 2: I think we just need to be the future. Yes,
• 31:02
  Speaker 2: let's do another episode about traveling to Bali, but we
• 31:05
  Speaker 2: do it from Bari.
• 31:06
  Speaker 4: Yeah, she's really, she's like hypher fixated this.
• 31:10
  Speaker 2: I'm going to do it. Catch me in Bali, guys,
• 31:12
  Speaker 2: I will see you there all right, talking about catching
• 31:14
  Speaker 2: me later. I think we should go. This episode has
• 31:16
  Speaker 2: gotten off track. I think our producer is going to
• 31:18
  Speaker 2: have something to say about it. But what we can
• 31:20
  Speaker 2: do is go to Barli so she can't catch us.
• 31:23
  Speaker 2: See you next week, guys, Bye guys. By The advice
• 31:32
  Speaker 2: shared on She's on the Money is general in nature
• 31:35
  Speaker 2: and does not consider your individual circumstances. She's on the
• 31:39
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• 31:46
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• 31:48
  Speaker 2: PDS TMD and obtain appropriate financial advice tailored towards your needs.
• 31:53
  Speaker 2: Victoria divine and she's on the money. Are authorized representatives
• 31:57
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• 32:00
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• 32:04
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