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MONEY DIARIES: An Unexpected Accident · She's On The Money

• 0:00
  Speaker 1: She's on the Money.
• 0:02
  Speaker 2: She's on the Money.
• 0:13
  Speaker 1: Hello, and welcome to She's on the Money, the podcast
• 0:16
  Speaker 1: for millennials who want financial freedom.
• 0:18
  Speaker 3: Surprise.
• 0:20
  Speaker 1: My name is Tony Lodge, and I am obviously here
• 0:24
  Speaker 1: with Victoria to fine.
• 0:25
  Speaker 3: Why is it so obvious and why is it so
• 0:28
  Speaker 3: drawn out?
• 0:29
  Speaker 2: Oh?
• 0:29
  Speaker 1: I just thought that would be cute.
• 0:30
  Speaker 2: Oh, thank you.
• 0:31
  Speaker 1: We don't have to jump in it.
• 0:32
  Speaker 2: No, no, no, no, don't start again.
• 0:34
  Speaker 3: I don't like it.
• 0:34
  Speaker 2: Just keep this in there. Okay, this is a money diary.
• 0:37
  Speaker 1: I'll never do it again. Yep, we're here from money
• 0:40
  Speaker 1: Diary and I really like this one. I think it's
• 0:44
  Speaker 1: going to be a nice one.
• 0:45
  Speaker 2: Well, I haven't seen the email just yet to want
• 0:48
  Speaker 2: to read it to you, all right, I would love
• 0:49
  Speaker 2: for you to read it to me.
• 0:50
  Speaker 1: Okay, Hi there. I'm twenty nine and live with my
• 0:55
  Speaker 1: partner of ten years.
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  Speaker 3: Oh cute.
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  Speaker 1: We currently have around eight hundred dollars in savings. I
• 1:02
  Speaker 1: have a full time job, a casual job, and I'm
• 1:04
  Speaker 1: also self employed as a disability support worker.
• 1:07
  Speaker 3: Oh my gosh, what cezy.
• 1:10
  Speaker 1: Around eighteen months ago, my partner was in an accident
• 1:13
  Speaker 1: while holidaying overseas. Oh no, as a result, he has
• 1:17
  Speaker 1: severe brain damage and will never work or drive again.
• 1:20
  Speaker 1: We currently owe his family around ninety thousand dollars for
• 1:23
  Speaker 1: money borrowed to pay for overseas medical bills and an
• 1:26
  Speaker 1: air evacuation. Any money my partner receives from the government
• 1:30
  Speaker 1: goes to these bills, which leaves him with next to
• 1:33
  Speaker 1: nothing to live on, and my income covers both of
• 1:35
  Speaker 1: our daily living costs including rent, insurance, medication, utilities, etc. Thanks.
• 1:41
  Speaker 1: Oh my gosh, we've got our money, diarrest on the line.
• 1:44
  Speaker 3: We do.
• 1:45
  Speaker 1: Let's have a chat, and I guess we'd first like
• 1:47
  Speaker 1: to say thank you for sharing your story with us.
• 1:49
  Speaker 1: It's like a quite intimate story.
• 1:51
  Speaker 2: Yeah, absolutely, thank you for reaching out to us and
• 1:55
  Speaker 2: you know, I guess trusting us to share this that's
• 1:58
  Speaker 2: really special.
• 2:00
  Speaker 4: Thank you.
• 2:01
  Speaker 3: Oh well, do you know what in true?
• 2:03
  Speaker 2: She's on the money money dary fashion. Let's get into
• 2:05
  Speaker 2: all of the questions. I have a lot for you,
• 2:08
  Speaker 2: but we'll get to them at the end of the
• 2:09
  Speaker 2: podcast when we get to have a good chat. But
• 2:12
  Speaker 2: let's kick off straight away with what is your attitude
• 2:15
  Speaker 2: towards money?
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  Speaker 4: I'm very conservative. I don't like to spend money unless
• 2:22
  Speaker 4: it's absolutely necessary.
• 2:24
  Speaker 1: So you don't like treat yourself a lot. You just
• 2:27
  Speaker 1: kind of you stick to your means and that's it.
• 2:30
  Speaker 4: Yeah, pretty much.
• 2:31
  Speaker 2: And where do you think that attitude towards money came from.
• 2:34
  Speaker 2: Do you think it's, you know, something you've.
• 2:35
  Speaker 3: Always had, or is it recent or how's that come
• 2:39
  Speaker 3: to fruition?
• 2:40
  Speaker 4: I think it's something that I've always had. I grew
• 2:43
  Speaker 4: up in a single family home, so it was just
• 2:47
  Speaker 4: my mom supporting the three of us kids.
• 2:49
  Speaker 3: Three I got a queen my god.
• 2:52
  Speaker 4: Yeah. Yeah, So as I got older, I was always
• 2:56
  Speaker 4: aware of the value of money. Yeah, and yeah, because
• 3:02
  Speaker 4: you know, we went through some really hard times when
• 3:04
  Speaker 4: I was younger. When I have money, I don't really
• 3:06
  Speaker 4: like to part with it. But the recent events in
• 3:10
  Speaker 4: my life have sort of exacerbated that. I definitely don't
• 3:15
  Speaker 4: mind spending running.
• 3:16
  Speaker 2: Yeah, that must be so hard, And we'll get into
• 3:19
  Speaker 2: that a little bit later, because I do want to
• 3:21
  Speaker 2: be able to ask you some perfect questions that I'm
• 3:23
  Speaker 2: sure friends and family probably haven't had the permission to ask.
• 3:27
  Speaker 2: But being a money direct means that you're open to it,
• 3:30
  Speaker 2: which were so grateful for. But let's jump into the
• 3:33
  Speaker 2: next question, which is what do you do for work
• 3:35
  Speaker 2: and how much do you currently earn?
• 3:38
  Speaker 4: Okay, so, my main job, my full time job, I
• 3:41
  Speaker 4: am an assistant account manager in the insurance division of
• 3:44
  Speaker 4: a large building company. I also work casually in retail,
• 3:50
  Speaker 4: and I'm self employed as a disability support worker.
• 3:53
  Speaker 2: So you must do so many hours a week. What
• 3:56
  Speaker 2: does your average workweek look like?
• 4:00
  Speaker 4: About six to seven days?
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  Speaker 3: Oh my gosh.
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  Speaker 4: Yeah, so I do between forty eight and fifty eight
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  Speaker 4: hours a week.
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  Speaker 2: Oh my gosh, that is so many hours, especially because
• 4:15
  Speaker 2: I know, and I guess, I guess this is a
• 4:17
  Speaker 2: bit different because we've read that email out and I
• 4:19
  Speaker 2: kind of know why you do what you do, and
• 4:22
  Speaker 2: you know, so many people do work fifty eight hours
• 4:24
  Speaker 2: a week, Like I definitely would run loops around that,
• 4:27
  Speaker 2: And that's not a flex at all.
• 4:28
  Speaker 3: It's just more I run loops around that.
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  Speaker 2: But I'm so lucky that I get to do that,
• 4:32
  Speaker 2: just because it's a choice of mine, whereas yours is
• 4:34
  Speaker 2: not coming from choice, right, Yeah, I have to Yeah, absolutely,
• 4:39
  Speaker 2: So next question, let's try keeping this on track, because
• 4:42
  Speaker 2: I genuinely want to have such a beautiful chat with
• 4:44
  Speaker 2: you soon.
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  Speaker 3: But what is your big money goal.
• 4:48
  Speaker 4: So my big money goal at the moment is to
• 4:53
  Speaker 4: pay off an existing debt and say it wasn't for
• 4:56
  Speaker 4: a home.
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  Speaker 3: Awesome. How how's that tracking?
• 5:01
  Speaker 4: It's actually getting a little bit better. I've recently started
• 5:05
  Speaker 4: a new role which changed with a HAVES wage increase.
• 5:12
  Speaker 4: Yeah congrats, yes, yeah, so really excited about that. So
• 5:18
  Speaker 4: at the moment where they're smashing out repayments on a loan,
• 5:21
  Speaker 4: and then once we're in a more comfortable position, we
• 5:25
  Speaker 4: will start saving for a house deposits. So we haven't
• 5:29
  Speaker 4: started that yet.
• 5:30
  Speaker 3: That is so good.
• 5:31
  Speaker 2: So do you currently have investments?
• 5:35
  Speaker 4: I do use rais Yes, yes, so I did. I
• 5:42
  Speaker 4: had probably about five hundred dollars in there was very
• 5:45
  Speaker 4: recent but when I changed jobs, I actually had to
• 5:48
  Speaker 4: go four weeks without any income all out yees, so
• 5:54
  Speaker 4: I had to use up my emergency find andre all
• 5:56
  Speaker 4: on my Rave account in order.
• 5:58
  Speaker 2: So excited to hear that you had an advice you'ven
• 6:01
  Speaker 2: So how good is that?
• 6:04
  Speaker 4: It's really good? And it's you'd get up through that
• 6:06
  Speaker 4: entire four weeks?
• 6:07
  Speaker 3: Oh good, I'm so glad.
• 6:10
  Speaker 2: All right, next question is do you currently have any debts?
• 6:13
  Speaker 3: If so, what are they yes.
• 6:16
  Speaker 4: So we now have about fifty seven eight hundred owing
• 6:22
  Speaker 4: to my partner's grandparents for the loan we got to
• 6:27
  Speaker 4: his air evacuation. I have about sixteen thousand in hext
• 6:32
  Speaker 4: and a twelve hundred dollars tax bill.
• 6:34
  Speaker 1: It sounds like you made a pretty big dent in
• 6:36
  Speaker 1: the Oh sorry, is that giving ahead? No? No, no, it
• 6:39
  Speaker 1: sounds like you've made a really big dent in the
• 6:42
  Speaker 1: money you owe to your partner's family. That's amazing.
• 6:46
  Speaker 4: Yeah. So we did organize a growth fund me, and
• 6:51
  Speaker 4: the donation from that puts, you know, a hefty dent
• 6:54
  Speaker 4: into the debt.
• 6:55
  Speaker 1: That's amazing.
• 6:56
  Speaker 4: And I think in the last eighteen months we've paid
• 7:00
  Speaker 4: down about ten to fifteen thousand.
• 7:02
  Speaker 3: God, that's so googe.
• 7:04
  Speaker 1: That's so much money that you guys have. Okay, sorry, no, no, no,
• 7:09
  Speaker 1: next question.
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  Speaker 2: All right, So what is one of your best money habits.
• 7:16
  Speaker 4: I'm always saving, so I use up. Thanks, Yes, we
• 7:22
  Speaker 4: love up. Yes. And so I get paid monthly. So
• 7:27
  Speaker 4: I have my little side accounts for week two, three,
• 7:30
  Speaker 4: and four, and I split up my my wages into
• 7:35
  Speaker 4: different weeks. And then I also have so one of
• 7:39
  Speaker 4: my jobs. Everything gets paid into the emergency fund account,
• 7:46
  Speaker 4: so it's automatically transferred. And then I do also have
• 7:50
  Speaker 4: a car account. We're another one of my jobs get
• 7:54
  Speaker 4: paid directly into my car account.
• 7:56
  Speaker 3: So that is actually really good.
• 7:58
  Speaker 2: And I'm so glad to hear that you're on top
• 7:59
  Speaker 2: of your money story, because when something traumatic like what
• 8:02
  Speaker 2: you've been through happens, often people do bury their heads
• 8:05
  Speaker 2: even further into the sand when it comes to money.
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  Speaker 2: But it sounds like you guys are absolutely on top
• 8:10
  Speaker 2: of it. So to contrast that a little bit, what
• 8:13
  Speaker 2: is your worst money habit?
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  Speaker 4: I think that my worst money habit would be I
• 8:23
  Speaker 4: want to say food.
• 8:26
  Speaker 1: It's the same time common.
• 8:27
  Speaker 3: It's so common. Yeah, it's so easy.
• 8:30
  Speaker 4: So in the last week, I think I've cooked once,
• 8:35
  Speaker 4: and if I go to the sous market to one thing,
• 8:39
  Speaker 4: I come out with ten things. And especially tap Aware.
• 8:43
  Speaker 3: Oh my gosh, I'm girls say.
• 8:45
  Speaker 4: I've come out with so much tup aware and take
• 8:48
  Speaker 4: get like takeaway coffee cups from the souitmarkets. I have
• 8:52
  Speaker 4: like fifteen or twenty in my cupboard and I just
• 8:56
  Speaker 4: keep buying them.
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  Speaker 3: It's like an addiction.
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  Speaker 2: I always walk past the tuperware section and look at it.
• 9:01
  Speaker 3: And grade.
• 9:06
  Speaker 2: Jumping back into the questions with you, my friend, last
• 9:09
  Speaker 2: question before we get to have a chat with you
• 9:11
  Speaker 2: properly is what grade would you give yourself if I
• 9:14
  Speaker 2: forced you to give yourself a grade?
• 9:18
  Speaker 4: I think maybe like a seven and a half. I
• 9:22
  Speaker 4: think because I feel like we're still recovering, You're totally
• 9:26
  Speaker 4: quite there yet, but we're getting there.
• 9:28
  Speaker 3: I'm going to give you a nine. I feel like
• 9:31
  Speaker 3: I'm doing so but I feel like you're doing.
• 9:32
  Speaker 2: So well given the situation, and I'm sure after the
• 9:36
  Speaker 2: chat all of our listeners will absolutely agree. So we'll
• 9:39
  Speaker 2: be back in just a minute to have a really
• 9:41
  Speaker 2: good chat with you. Okay, let's jump straight back into
• 9:52
  Speaker 2: the questions. This is such a special story to be
• 9:55
  Speaker 2: sharing money, direst. I think the best place to start is, actually,
• 9:59
  Speaker 2: can you give us a little bit of a backstory,
• 10:01
  Speaker 2: like what happened? Tell me a little bit about your
• 10:03
  Speaker 2: partner and what he did before the accident.
• 10:07
  Speaker 4: Yeah, so, my partner was a painter, like a house painter,
• 10:13
  Speaker 4: and has been for a really, really long time. We
• 10:16
  Speaker 4: were scheduled to get married in September of twenty nineteen,
• 10:22
  Speaker 4: and a week before he went on his Bucks party
• 10:26
  Speaker 4: in Bali and that's where he had his accidents. So
• 10:32
  Speaker 4: he required emergency surgery and that was thirty five thousand
• 10:36
  Speaker 4: dollars and we had to make that payment before they
• 10:40
  Speaker 4: would operate. So essentially he was just laying in a
• 10:43
  Speaker 4: room and you weren't a young mayor, no, So I
• 10:48
  Speaker 4: was at home and it was exactly seven days before
• 10:53
  Speaker 4: the wedding. So the following day I got on a
• 10:56
  Speaker 4: plane and went straight to Bali and we spent a week.
• 11:02
  Speaker 1: Yeah, oh my god, we did incredibly traumatic. I'm so
• 11:07
  Speaker 1: sorry to hear that.
• 11:08
  Speaker 3: It was.
• 11:09
  Speaker 4: We did manage to get together enough money in time.
• 11:14
  Speaker 4: We had like an eighteen hour window to have that
• 11:18
  Speaker 4: surgery done and we managed to pull it together just
• 11:20
  Speaker 4: in time. So he's had an emergency. It's called a
• 11:26
  Speaker 4: decompressive craniot of me because he had bleeding and swelling
• 11:28
  Speaker 4: on his brain and then he spent he was on
• 11:32
  Speaker 4: life support for a week in a coma before we
• 11:36
  Speaker 4: were able to medivac him back to Australia. So he
• 11:42
  Speaker 4: did have insurance and he took out insurance to be
• 11:46
  Speaker 4: writing a scooter, but he did not have an international
• 11:50
  Speaker 4: driver's license, so the insurance company Tonight our claim.
• 11:55
  Speaker 1: See even when you think you've done think he's done that.
• 11:58
  Speaker 2: And that was actually going to be my next question
• 12:00
  Speaker 2: link how does that work?
• 12:02
  Speaker 3: And did he have insurance?
• 12:03
  Speaker 2: In my financial advisor brain going straight back to Kay
• 12:06
  Speaker 2: what coverage did he have?
• 12:07
  Speaker 3: How did that work? And what did that mean?
• 12:09
  Speaker 2: So?
• 12:09
  Speaker 3: How old is your partner now?
• 12:12
  Speaker 4: So he is he turned thirty four last week.
• 12:15
  Speaker 3: And how has he recovered thus far?
• 12:19
  Speaker 4: So he spent once we got him back to Australia.
• 12:24
  Speaker 4: I think we got him back to Australia on the
• 12:26
  Speaker 4: sixth of September twenty nineteen. I flew with him on
• 12:30
  Speaker 4: a medevac to Perth. And then once we actually arrived,
• 12:35
  Speaker 4: he was staffed by the trauma team and he had
• 12:37
  Speaker 4: to undergo emergency surgery again, and then he spent another
• 12:45
  Speaker 4: week in the ICU in a croma and then after
• 12:49
  Speaker 4: that he was sort of transferred to a brain injury
• 12:52
  Speaker 4: ward for a week or two, and then he spent
• 12:55
  Speaker 4: four months in a rehabilitation facility where he learnt to
• 12:59
  Speaker 4: walk and talk and eat and all the rest of it.
• 13:03
  Speaker 2: Again, that is so traumatic for both of you, So
• 13:07
  Speaker 2: I guess I'd love that's such a special story and
• 13:10
  Speaker 2: I'm just in awe that you're so willing to share
• 13:12
  Speaker 2: this with you know, Tony and I, but also our
• 13:15
  Speaker 2: entire ses on the money community to learn from. Is
• 13:19
  Speaker 2: he himself now or what's his capability and capacity?
• 13:23
  Speaker 3: Like?
• 13:25
  Speaker 4: Yeah, so you know we've we've seen neurologists, neurosurgeons, neurocycs,
• 13:31
  Speaker 4: occupational therapist, anything you can think of, we have seen them.
• 13:34
  Speaker 4: So he is able to walk and talk, He spent
• 13:40
  Speaker 4: like he can be home alone during the day. But
• 13:45
  Speaker 4: he does have a severe memory impairment, so he has
• 13:48
  Speaker 4: short term memory well, and he has left side weakness
• 13:54
  Speaker 4: as well. So he it's like somebody who's had a stroke.
• 13:59
  Speaker 4: They sometimes was function in one side of fair body,
• 14:02
  Speaker 4: and it's quite similar for him. He did have a
• 14:05
  Speaker 4: stroke during one of his surgeries, but there was it
• 14:08
  Speaker 4: didn't do anything further, it's just the impact of the
• 14:12
  Speaker 4: brain injury means that he's got reduced dexterity in his
• 14:17
  Speaker 4: left hand. He is also now epileptic and he's hearing
• 14:22
  Speaker 4: in ted as well.
• 14:24
  Speaker 2: Oh my heart, that is such a hard story to
• 14:27
  Speaker 2: one go through, but also just to hear and go
• 14:30
  Speaker 2: you know what, that must be so traumatic.
• 14:32
  Speaker 3: How are you my friend.
• 14:35
  Speaker 4: I am actually okay. So it's been just over eighteen
• 14:41
  Speaker 4: months now to be two years in August, and you
• 14:45
  Speaker 4: don't really have any other option except to keep going.
• 14:49
  Speaker 4: You can't stop. So you know, we live together. I'm
• 14:55
  Speaker 4: his main support and so you can't stop. You just
• 15:03
  Speaker 4: nobody is going to do it for us, So we
• 15:06
  Speaker 4: need to do it for ourselves, and we've got to
• 15:07
  Speaker 4: keep going. So we have access to NDIS, which means
• 15:13
  Speaker 4: that he has a support team and they are absolutely incredible.
• 15:21
  Speaker 4: He now goes to the gym a couple of times
• 15:23
  Speaker 4: a week with a personal trainer. He volunteers with other
• 15:27
  Speaker 4: people with disabilities, and we're hoping that in the future
• 15:31
  Speaker 4: he can advocate for people that have been in his position.
• 15:35
  Speaker 4: But he still does have a bit of recovery to
• 15:37
  Speaker 4: go before we can sort of start looking at that.
• 15:40
  Speaker 3: Yeah. Wow, that is such a special story.
• 15:43
  Speaker 2: I'm just in awe and to be honest, I don't
• 15:45
  Speaker 2: know where to go next. But my financial advisor brain
• 15:49
  Speaker 2: is ticking over to personal insurances? Did he because he's young?
• 15:53
  Speaker 2: Personal insurance isn't something that a lot of young people
• 15:56
  Speaker 2: think they need. We always say things about situations like
• 15:59
  Speaker 2: Yoursbert it'll never happened to me, or you know, I
• 16:01
  Speaker 2: know a friend of a friend and that's really awful.
• 16:03
  Speaker 2: And then there's no real call to action. We don't
• 16:05
  Speaker 2: set it up. I know you said he didn't have
• 16:08
  Speaker 2: travel insurance, but did he have any like trauma or
• 16:11
  Speaker 2: TPD or other insurances he could have come back to,
• 16:15
  Speaker 2: like income protection.
• 16:17
  Speaker 4: Yeah, so he didn't have the travel insurance. It just
• 16:20
  Speaker 4: didn't pay. But he was a contractor and worked under
• 16:26
  Speaker 4: his own aben and I nagged and nagged about personal
• 16:30
  Speaker 4: accident and illness insurance and all those sorts of things,
• 16:34
  Speaker 4: and he just did not set it up. They they don't.
• 16:44
  Speaker 4: We are in the middle of launching a claim with
• 16:47
  Speaker 4: his super for a total permanent disability claim. Unfortunately, the
• 16:55
  Speaker 4: super company that he's with, and they're probably one of
• 16:59
  Speaker 4: the only ones that they pay out in installments over
• 17:01
  Speaker 4: a period of five to six years rather than in
• 17:06
  Speaker 4: a lump sum. So the only situation where they will
• 17:11
  Speaker 4: pay out in a lump sum is if you have
• 17:14
  Speaker 4: lost twenty five percent of your cognitive functions, or if
• 17:18
  Speaker 4: you've lost a limb or permanently blind, that sort of thing.
• 17:24
  Speaker 4: So we are hoping that we will be able to
• 17:28
  Speaker 4: get by on the loss of twenty five percent of
• 17:31
  Speaker 4: cognitive function because if they do the installments, you have
• 17:36
  Speaker 4: to go through and provide medical evidence and reports every
• 17:42
  Speaker 4: year before they'll make the next installment, which.
• 17:44
  Speaker 2: Is which is hard, right, and it's something that.
• 17:46
  Speaker 3: People hard and it's extensive. Yeah, and that is why.
• 17:49
  Speaker 2: And you know, back to my financial advisor hat, I'm
• 17:52
  Speaker 2: so sorry I keep bringing this up, but you know,
• 17:54
  Speaker 2: at the end of the day, this is a money
• 17:55
  Speaker 2: podcast and this is such a good learning for our
• 17:57
  Speaker 2: community that this is why it's so important and to
• 18:00
  Speaker 2: understand the terms and conditions of the policy that you
• 18:03
  Speaker 2: do take out. And a lot of the time, you know,
• 18:06
  Speaker 2: as an advisor, I will recommend a policy that's slightly
• 18:10
  Speaker 2: more expensive than the cheapest one. And the reason is
• 18:13
  Speaker 2: often the claims process is a lot smoother and it's
• 18:16
  Speaker 2: you know, better payout sums. Because at the time you
• 18:19
  Speaker 2: sign a policy, you just don't care. You like, whatever,
• 18:21
  Speaker 2: if it gets paid over a certain period of time,
• 18:23
  Speaker 2: it doesn't really matter. But if shit hit the fan,
• 18:26
  Speaker 2: like it has with you, like having a up sum
• 18:29
  Speaker 2: of money because you're currently in debt and actually need
• 18:31
  Speaker 2: it to pay for physio and pay for all of
• 18:34
  Speaker 2: the therapies he's having is essential, right, And it does
• 18:37
  Speaker 2: make a world of difference.
• 18:40
  Speaker 4: It does, and it prompted me. I was with the
• 18:43
  Speaker 4: same superannuation company and I actually changed mine last week
• 18:48
  Speaker 4: and I called and I made sure that they paid
• 18:52
  Speaker 4: out in month sums. Yeah, and I also made sure
• 18:56
  Speaker 4: that they had a smaller waiting period on their protection
• 19:01
  Speaker 4: perfection as well. And I change mine over because I
• 19:06
  Speaker 4: am our main income earner and I something, what's happened
• 19:09
  Speaker 4: to me that there's you know, there's nothing.
• 19:12
  Speaker 2: There's nothing. And that's what's so hard. It's not just
• 19:15
  Speaker 2: the responsibility is on you. It's financially on you as well.
• 19:20
  Speaker 2: And that's a massive point of stress for a lot
• 19:22
  Speaker 2: of people.
• 19:23
  Speaker 1: It's human nature to just think that's not going to
• 19:26
  Speaker 1: happen to me. And that's why these things happen because
• 19:29
  Speaker 1: we just think that's not going to happen to me.
• 19:31
  Speaker 1: And you don't look into all these insurances, you don't
• 19:33
  Speaker 1: know how they're going to impact us, and yeah, those
• 19:36
  Speaker 1: kinds of things.
• 19:37
  Speaker 4: Yeah, that's right, and that was his attitude as well.
• 19:41
  Speaker 4: That's what nothing's just nothing about happens to me and
• 19:44
  Speaker 4: all the rest of it. And now I've seen the
• 19:48
  Speaker 4: worst that can happen, and I, yeah, that's not happening.
• 19:52
  Speaker 3: I can no, absolutely not.
• 19:55
  Speaker 2: And I think that it's so special that you're willing
• 19:57
  Speaker 2: to share this story with our community. But also, let
• 20:00
  Speaker 2: me just take a second to give some props to you,
• 20:04
  Speaker 2: Like you deserve it, You deserve it, But also like
• 20:07
  Speaker 2: how lucky is he to be so loved? Like so
• 20:10
  Speaker 2: many partners would you know, put that responsibility on their
• 20:14
  Speaker 2: parents or you know, their family members and it might
• 20:16
  Speaker 2: be too much. And I've seen it as someone who
• 20:18
  Speaker 2: goes through insurance claims and actually deals with.
• 20:21
  Speaker 3: This stuff a fair bit. It's shit.
• 20:23
  Speaker 2: Yeah, Like it's actually terrible.
• 20:26
  Speaker 4: It is and it does suck. And you know, situations
• 20:30
  Speaker 4: like this as well, you do really find out the
• 20:32
  Speaker 4: sort of people that you need in your life and
• 20:34
  Speaker 4: the people that you don't need. But there was never
• 20:36
  Speaker 4: a question of being there for him. It was it
• 20:42
  Speaker 4: was not something I thought about. It was it was
• 20:45
  Speaker 4: just something that I did.
• 20:48
  Speaker 1: There was Well, I've got a really insignificant question, but
• 20:52
  Speaker 1: are you guys still planning on getting married?
• 20:54
  Speaker 2: Yeah? Are you?
• 20:55
  Speaker 3: What does it need to look like?
• 20:58
  Speaker 4: So, yes, we don't still will get married. He is
• 21:03
  Speaker 4: absolutely on my back about it.
• 21:06
  Speaker 3: He's like, I've got to lock this woman down. She's
• 21:09
  Speaker 3: the best.
• 21:10
  Speaker 1: She does everything for me.
• 21:12
  Speaker 4: Yeah, so my wedding dress is still in the cupboard.
• 21:17
  Speaker 3: I hope we've seen it.
• 21:20
  Speaker 4: No, he hasn't. We've been engaged for It'll be six
• 21:24
  Speaker 4: years in July, so it's yeah, it's been a really
• 21:29
  Speaker 4: really long time. But he wants time. Happy to go
• 21:34
  Speaker 4: to the courthouse and sign the papers and whatnot, but
• 21:38
  Speaker 4: he wants a wedding. He wants he does he does
• 21:42
  Speaker 4: a characters in the backyard or if it's a fancy one,
• 21:44
  Speaker 4: and he just wants a party.
• 21:46
  Speaker 1: But I mean it sounds like he just really wants
• 21:48
  Speaker 1: to celebrate you. And that is so so special to
• 21:51
  Speaker 1: have someone that you obviously love him so much, you know,
• 21:56
  Speaker 1: and he feels the same way about you.
• 21:58
  Speaker 4: Yeah, he is so sweet and he is so kind
• 22:01
  Speaker 4: and he appreciates everything. Oh.
• 22:05
  Speaker 3: I just love love.
• 22:07
  Speaker 2: I love when people we love and they're just caring
• 22:09
  Speaker 2: and look after each other. And yeah, it's it's crazy.
• 22:13
  Speaker 2: So what does the future look like for you guys?
• 22:15
  Speaker 2: Obviously we want to get married and then what what next?
• 22:20
  Speaker 4: So we yeah, definitely do want to get married. He
• 22:25
  Speaker 4: definitely wants to start having children yesterday. I love that.
• 22:31
  Speaker 4: I hear about it every day because he's getting a
• 22:35
  Speaker 4: little bit. He's a few years older than me, so
• 22:39
  Speaker 4: hem he's like, I don't want to be forty and
• 22:40
  Speaker 4: have a one year old and all the rest of it.
• 22:43
  Speaker 4: So that's definitely something that he wants to do. But
• 22:46
  Speaker 4: I'm very, very career driven.
• 22:49
  Speaker 2: Yeah, and there would be an always possibility as well
• 22:52
  Speaker 2: on you to you know, be a care for him
• 22:55
  Speaker 2: as well as be a care for those children. And
• 22:58
  Speaker 2: I think that that's a really big step to take,
• 23:00
  Speaker 2: but an exciting one all the same.
• 23:02
  Speaker 4: Yeah. Yeah, So I'm the last one left of my
• 23:07
  Speaker 4: siblings to have a.
• 23:09
  Speaker 3: Child, so it's a little.
• 23:11
  Speaker 4: Bit of younger than me, and she's already started.
• 23:14
  Speaker 3: I know, Well, she can just prop that up. Then
• 23:17
  Speaker 3: you can share, you can share, you can just be
• 23:20
  Speaker 3: the cool aunt.
• 23:21
  Speaker 4: That's what I thought. And I have a dog, so, oh.
• 23:24
  Speaker 2: My god, that's a child. That's a fair child.
• 23:27
  Speaker 4: Yeah, she's a baby.
• 23:28
  Speaker 1: So it's really nice that he hasn't lost his like
• 23:31
  Speaker 1: lust for life. He sounds like a really happy person.
• 23:34
  Speaker 1: Sounds like you guys make each other really really happy,
• 23:38
  Speaker 1: and that even though you've gone through, you know, a
• 23:41
  Speaker 1: really crazy life, even you've been together for ten years,
• 23:45
  Speaker 1: you've been through all of these ups and downs, that
• 23:47
  Speaker 1: you still share the same goals and he's happy to
• 23:50
  Speaker 1: trust you with your finances and you know, you run
• 23:53
  Speaker 1: all of that stuff. It's just sounds like you've got
• 23:55
  Speaker 1: a really, really incredible relationship and I kind of feel
• 23:58
  Speaker 1: like we're part of it.
• 24:00
  Speaker 2: I'm so grateful for it.
• 24:03
  Speaker 1: A little peaking to your life, it's like so special.
• 24:06
  Speaker 2: Yeah, thank you so much for sharing this story. Yeah,
• 24:11
  Speaker 2: it's so it's so great to learn about everybody's diverse
• 24:14
  Speaker 2: experiences and what they've been through. But also, you know,
• 24:17
  Speaker 2: this is kind of a little bit of a call
• 24:18
  Speaker 2: to action to make sure that your insurances are set
• 24:20
  Speaker 2: up properly, and you actually do understand what that claims
• 24:24
  Speaker 2: process looks like, because at the end of the day,
• 24:27
  Speaker 2: that if it had been set up properly, would have
• 24:30
  Speaker 2: taken a lot of that pressure off.
• 24:32
  Speaker 3: Yeah, a lot of.
• 24:32
  Speaker 2: Pressure off the situation that is already so stressful.
• 24:36
  Speaker 1: Yeah, well, it can happen, you know, you know, these
• 24:41
  Speaker 1: things can happen to anyone, you know.
• 24:44
  Speaker 2: Yeah, well, thank you so much for joining us today,
• 24:47
  Speaker 2: Money Diarist.
• 24:48
  Speaker 3: I think that's all you have done for today.
• 24:51
  Speaker 4: Thank you very much, no thanks, And.
• 24:54
  Speaker 2: As always, just before we head off, we'd like to
• 24:57
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• 25:00
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• 25:03
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• 25:07
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• 25:09
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• 25:11
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• 25:14
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• 25:15
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• 25:22
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• 25:25
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