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The “Hey Girl” Message That Saved Her From the Wrong Marriage · She's On The Money

• 0:00
  Speaker 1: My name's Tatasha Bamblet. I'm a proud First Nations woman
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  Speaker 1: and I'm here to acknowledge country te glennyan Ganya nian
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  Speaker 1: ar Kaka yah y and binahaka nian our gay In
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  Speaker 1: Mbini yak um jar doumayagumika umaga ihowaka na waman damon
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  Speaker 1: immalan Bimba bang gadabomba in and now in waka ghana
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  Speaker 1: on yakraum jar watanadaa. Hello, beautiful friends, we gather on
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  Speaker 1: the lands of the Aboriginal people. We thank acknowledge and
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  Speaker 1: respect the Abiginal people's land that we're gathering on today.
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  Speaker 1: Take pleasure in all the land and respect all that
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  Speaker 1: you see. She's on the Money podcast acknowledges culture, country,
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  Speaker 1: community and connections, bringing you the tools, knowledge and resources
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  Speaker 1: for you to thrive.
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  Speaker 2: She's on the Money.
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  Speaker 3: She's on the Money. Hello, and welcome to She's on
• 0:53
  Speaker 3: the Money the podcast let's you be pervy about other
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  Speaker 3: people's money stories for educational purposes, of course. Welcome back
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  Speaker 3: to another one of our money diaries, brought to you
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  Speaker 3: by our friends at Sky Wealth, where I get the
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  Speaker 3: absolute privilege of sitting down with one of our incredible.
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  Speaker 3: She's on the Money community members and talking to them
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  Speaker 3: all about their journey. Let's jump straight into it, because
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  Speaker 3: this week I got a message and it sounded exactly
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  Speaker 3: like this high She's on the money. I grew up
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  Speaker 3: seeing money at both extremes. My parents were young and
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  Speaker 3: very wealthy. Then almost overnight it was all gone. For
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  Speaker 3: a long time after I lived paycheck to paycheck and
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  Speaker 3: in a constant state of stress. About four years ago
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  Speaker 3: things started to change. I felt pregnant unexpectedly and had
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  Speaker 3: to pull my head out.
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  Speaker 2: Of the sand.
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  Speaker 3: Now, with two kids, I'm focused on building something steady
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  Speaker 3: and real. I'm not chasing huge wealth. I just want security,
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  Speaker 3: options and a sense of control. For the first time,
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  Speaker 3: I feel like I'm actually getting there and creating a
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  Speaker 3: different kind of future money Darist. This is going to
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  Speaker 3: be juicy and good and exciting and also I think,
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  Speaker 3: really wholesome. How are you welcome to the show?
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  Speaker 2: Thank you? I'm well, thank you?
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  Speaker 3: Oh how good?
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  Speaker 2: All right?
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  Speaker 3: Before I get into the juicy stuff, because that's all
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  Speaker 3: I want to get from this, I'm like, well, what
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  Speaker 3: do you mean you were wealthy and then you weren't
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  Speaker 3: tell me if I asked you to give yourself a
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  Speaker 3: money grade from A through to F, what would it be.
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  Speaker 2: I'm going to give myself a C plus. Like I've
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  Speaker 2: got some really good money habits now, but I've still
• 2:25
  Speaker 2: got some really bad money habits. I still feel like
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  Speaker 2: me my partner in the learning and growing phase. But yeah,
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  Speaker 2: we're in a much better position today than what we
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  Speaker 2: were four years ago, so I'm very grateful for that.
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  Speaker 3: Oh my goodness. All right, I need to know. You
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  Speaker 3: need to tell me a little bit more about your
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  Speaker 3: money story and the things that have impacted it.
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  Speaker 2: Yeah. So my mum had children quite young, well, both
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  Speaker 2: my parents did. She fell pregnant when she was around
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  Speaker 2: seventeen and still at high school.
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  Speaker 3: Oh wow.
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  Speaker 2: Yeah, the stress, the stress. But credit to her, she
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  Speaker 2: finished her schooling and she got in university.
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  Speaker 3: Of course she did. What can't women do.
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  Speaker 2: She met my dad shortly after that, and by the
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  Speaker 2: age of twenty three there was four of us. What crazy, Yeah,
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  Speaker 2: queen crazy, queen, calm down. I know. So I'm pretty
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  Speaker 2: sure that life at that time was pretty stressful for them.
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  Speaker 3: But do you think four kids? Yeah, basically under five?
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  Speaker 3: What I know, it was teral, it was fer I
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  Speaker 3: kind of am a little bit envious, but also don't
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  Speaker 3: come near me with that energy. I'm scared.
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  Speaker 1: Yeah.
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  Speaker 2: Yeah, and they talk about it now like it was
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  Speaker 2: all cough nappies back then, and yeah, I just couldn't
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  Speaker 2: even imagine it would have been.
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  Speaker 3: So much harder, but also how wholesome. So tell me,
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  Speaker 3: I need to know more. We had four kids because
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  Speaker 3: they didn't know how making kids worked, or they had
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  Speaker 3: four kids because they were like, let's just keep going.
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  Speaker 3: We're already in the trenches of nappies, we may as
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  Speaker 3: well keep going. Like was this intentional? Not intention I've
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  Speaker 3: just got questions.
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  Speaker 2: Knowing my parents, they're not planners. I don't think any
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  Speaker 2: of this was planned. I think it always just one
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  Speaker 2: big party and that's how it ended. So good on them.
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  Speaker 2: I love it so grateful that, you know, I've got
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  Speaker 2: three really great siblings. So yeah, grateful. But yeah, So
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  Speaker 2: mum finished university and she's pretty much straight away she
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  Speaker 2: got a really well paying job in the corporate world.
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  Speaker 2: And I feel sad saying this. I don't exactly know
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  Speaker 2: what that role was, but I do know that it
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  Speaker 2: just came with all the bells and whistles. So she
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  Speaker 2: had a company car, she had a fuel card, she
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  Speaker 2: got to go on lots of international trips, she got bonuses,
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  Speaker 2: and she had commissions and things like that. So wow,
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  Speaker 2: we were living and she had four kids.
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  Speaker 3: I know, I know, a nineties icon. I know, we
• 4:50
  Speaker 3: never just know the suits were hot, you just know.
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  Speaker 2: I know. I'm just sad we never got to go
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  Speaker 2: on any of our international trips with but we did
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  Speaker 2: get some pretty cool souvenirs. So happy for that.
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  Speaker 3: I mean, as a kid, that's a very good deal.
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  Speaker 3: On the flip side, I remember my dad went to
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  Speaker 3: a conference in America when I would have been three,
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  Speaker 3: and he went to Disneyland and he brought back an
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  Speaker 3: e your toy that I still have today and I'm
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  Speaker 3: still obsessed with and it's just like the coolest thing ever.
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  Speaker 3: And I used to tell everybody that Dad got it
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  Speaker 3: for me overseas.
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  Speaker 2: Yeah, like what a flex.
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  Speaker 3: I don't think kids care anymore about that, but like
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  Speaker 3: back then, that was a big deal.
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  Speaker 2: Oh yeah, I love that. I love that. And look,
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  Speaker 2: Dad was working pretty hard as well. I don't want
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  Speaker 2: to give Mum all the credit I do, he was working.
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  Speaker 3: Who runs the world? Girls?
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  Speaker 2: Yeah, I know, right, So life was pretty sweet. I
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  Speaker 2: mean that looked like for us, you know, we had
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  Speaker 2: Fox style, we got takeaway every Tuesday night, we got
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  Speaker 2: lots and lots of Birthday gifts and Christmas gifts and yeah,
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  Speaker 2: life just felt really really special at that period of time.
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  Speaker 3: That's really cool. But also isn't it How do I
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  Speaker 3: say this? Isn't it funny?
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  Speaker 2: That?
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  Speaker 3: To me, those were definitely markers of Welsh as well.
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  Speaker 3: So like the kids that have foxtail, we didn't have
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  Speaker 3: a foxtail, like whooa rich Yeah, what do you mean
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  Speaker 3: you get takeaway every week? That's crazy? Like for us,
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  Speaker 3: that wasn't a thing. And if we got takeaway, it
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  Speaker 3: was like a bit planned like, and there was a
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  Speaker 3: fair bit of lead up to it, like it wasn't
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  Speaker 3: a weekly thing, it wasn't even a monthly thing. Like yeah,
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  Speaker 3: I just look at that and I go, yeah, you
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  Speaker 3: must have been real rich. Did you have a double
• 6:27
  Speaker 3: door fridge? By chance? I don't think we did, but yeah,
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  Speaker 3: or maybe not that rich.
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  Speaker 2: I just remember as a kid feeling like we've made
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  Speaker 2: it like you have, Yeah, this is great, this is
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  Speaker 2: how life's supposed to be.
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  Speaker 3: One hundred percent. What happened next?
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  Speaker 2: They separated. So just before I went into high school,
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  Speaker 2: they separated and my mum left her corporate role. She
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  Speaker 2: just wasn't creaking very well with the trouble and things
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  Speaker 2: like that, and my dad had entered his own businessamily
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  Speaker 2: member and that was just a plot. So no, like
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  Speaker 2: a switch, we just went from being really really wealthy
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  Speaker 2: to being really really poor. And also, I think it's
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  Speaker 2: important to note that during that time where we did
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  Speaker 2: have an abundance of cash, my parents did not do
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  Speaker 2: anything with that money to set us up for the future.
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  Speaker 2: So they didn't invest it in property, they didn't invest
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  Speaker 2: it into the share market, and they I don't even
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  Speaker 2: think they put any into a savings account.
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  Speaker 3: We just you just don't know what you don't know
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  Speaker 3: at that time though, And I mean, yeah, to give
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  Speaker 3: them a little bit of credit. Four kids is really
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  Speaker 3: hard and four kids is really expensive, so they were
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  Speaker 3: probably like, you know what, let's live, love, laugh, like,
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  Speaker 3: let's get takeaway, let's enjoy the moment, because we don't
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  Speaker 3: actually have that much time with our kids, so when
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  Speaker 3: we do, we may as well make the most of it.
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  Speaker 3: And that can make cash disappear so quickly.
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  Speaker 2: Yeah, and look that I really do think they just
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  Speaker 2: wanted us to be happy and did whatever they could
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  Speaker 2: to make us happy.
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  Speaker 3: I mean, I just heard the story of you were
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  Speaker 3: definitely very happy. So tell me what's it like having
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  Speaker 3: your parents separate right before high school. I feel like
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  Speaker 3: that would have been, you know, obviously the best thing
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  Speaker 3: for them, But it doesn't often feel that way for
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  Speaker 3: the kids, does it. No, No, it was really stressful
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  Speaker 3: for us, and you know, we really felt the tension,
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  Speaker 3: We really felt the shift in the financial situation. And
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  Speaker 3: you know, there were times where we were boiling water
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  Speaker 3: on the stove to heat up at the bath water
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  Speaker 3: because the gas felle hadn't been paid to heat up
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  Speaker 3: the bath water. The landlord was coming to the house
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  Speaker 3: trying to find out where their rent money was.
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  Speaker 2: Oh my god.
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  Speaker 3: And as kids, you're just like, I don't know, that
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  Speaker 3: would have been such a weight on your shoulders because
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  Speaker 3: you would have felt like, I don't know if the
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  Speaker 3: word is secondhand embarrassment, but you were like, they're coming
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  Speaker 3: after me, but like obviously they weren't, But that's how
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  Speaker 3: you would have felt. Yeah.
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  Speaker 2: Yeah, and you I think as a child, you do
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  Speaker 2: feel responsible, even though it's not your fault. You sort
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  Speaker 2: of take that on and feel like that you've played
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  Speaker 2: a role in that. So, yeah, that was really stressful.
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  Speaker 3: And talk to me why that was the case, because
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  Speaker 3: obviously overnight, you know, your mum didn't take the separation
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  Speaker 3: well and resigned from her job. But was that, you know,
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  Speaker 3: because they weren't supporting each other through that period of time.
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  Speaker 3: And we don't need to get into the nitty gritty
• 9:25
  Speaker 3: of their relationship, but you know, sometimes this happens because well,
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  Speaker 3: now there's two households to pay for, or it happens
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  Speaker 3: because there seems to be some kind of disconnect between
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  Speaker 3: the fact that, you know, the mum ends up with
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  Speaker 3: all the kids and all of their expenses and the
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  Speaker 3: dad rides off into the sunset, Like there are different situations, right,
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  Speaker 3: What did it look like for you?
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  Speaker 2: Look, it was toxic and yeah, we weren't spared any details.
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  Speaker 3: So oh cool, thanks guys. That's not gonna mean that
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  Speaker 3: I have to pay for therapy later in life.
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  Speaker 2: I know they definitely used us the sounding boards, and
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  Speaker 2: I just you know, I don't hold that against them.
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  Speaker 2: I think they were in their early twenties and I
• 10:05
  Speaker 2: think back to when I was in my early twenties
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  Speaker 2: and I probably would have done the same thing.
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  Speaker 3: Yeah, but you also you don't what you don't know,
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  Speaker 3: and I'm sure they were trying their best. And you know,
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  Speaker 3: if we'd asked your mom back then, you know, why
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  Speaker 3: are you telling money darist about this, she would have
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  Speaker 3: been like, oh, she's the only one that also knows everybody. Yeah,
• 10:21
  Speaker 3: like I get a queen. That's also trauma. Let's not
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  Speaker 3: do that in the future.
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  Speaker 2: And I just remember being at school and I was
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  Speaker 2: the only kid that in my class that didn't have
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  Speaker 2: a surf branded pencil case and I didn't have the
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  Speaker 2: embroidered Polo T shirt. So just feeling like I didn't
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  Speaker 2: fit in.
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  Speaker 3: That breaks my heart because it's not the case. But
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  Speaker 3: that's exactly how kids measure value. Yes, yes, oh my
• 10:49
  Speaker 3: roxy pencil case that I begged my mom for was
• 10:52
  Speaker 3: like my pride and joy.
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  Speaker 2: Yeah, yeah, I was so jealous of all the girls
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  Speaker 2: that had those. But anyway, now I know that those
• 11:02
  Speaker 2: little things are just so not important.
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  Speaker 3: They really aren't, and they are not markers of wealth.
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  Speaker 3: But when you're little, like it's funny the things that
• 11:09
  Speaker 3: you cling onto because you go, well, that means they're
• 11:12
  Speaker 3: doing well, yeah, yeah, and it's a pencil case.
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  Speaker 2: Yeah literally.
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  Speaker 3: Anyway, so tell me what did that look like once
• 11:21
  Speaker 3: kind of the dust had settled a bit or did
• 11:22
  Speaker 3: it take a few years for the dust to settle.
• 11:25
  Speaker 2: It took a few years for the dust to settle,
• 11:27
  Speaker 2: Like I finished school and that was a struggle, like, yeah,
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  Speaker 2: my parents were living paycheck to paycheck and barty and
• 11:34
  Speaker 2: but yeah, I got through school and then I moved
• 11:37
  Speaker 2: out of home. And I think this would be relatable
• 11:39
  Speaker 2: to some people because I didn't like the step mom.
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  Speaker 2: I was like, get me out of here.
• 11:45
  Speaker 3: Oh okay, this is getting stereotypical. I love it.
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  Speaker 2: Okay, yeah she was crazy and I was out, like
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  Speaker 2: she didn't like me. So she's still around, she's not, thankfully,
• 11:55
  Speaker 2: Oh thank god.
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  Speaker 3: So dad came to his senses as well.
• 11:58
  Speaker 2: Yeah. Yeah, I mean there's been a few crazy since then.
• 12:01
  Speaker 3: But so we know it's how to pick and get it.
• 12:04
  Speaker 2: Kid.
• 12:06
  Speaker 3: When we say we don't like the stepmum, I know
• 12:08
  Speaker 3: that's really stereotypical. But when you were moving out, and
• 12:11
  Speaker 3: maybe this is more a therapist conversation than it is
• 12:14
  Speaker 3: the money conversation, but did you feel like, great, I
• 12:18
  Speaker 3: have to move out. That's my dad and this new
• 12:20
  Speaker 3: woman that he's picking over me in a way, because like,
• 12:23
  Speaker 3: I've got a few girlfriends who went through the same
• 12:25
  Speaker 3: circumstances and they were like, I have to leave, she's
• 12:28
  Speaker 3: here and now she's kind of on my turf. What
• 12:31
  Speaker 3: did that look like in reality? Did that kind of
• 12:34
  Speaker 3: create a divide between you and your dad?
• 12:37
  Speaker 2: It did? But he had been single for ten years,
• 12:39
  Speaker 2: so we had had the luxury of just having him
• 12:42
  Speaker 2: all to ourselves and I was the only girl, so right, Yeah,
• 12:47
  Speaker 2: so when another woman came along, it was stricy.
• 12:50
  Speaker 3: Yeah, understandably. Yeah.
• 12:52
  Speaker 2: I don't think I mattered who it was going to be.
• 12:53
  Speaker 2: It was always going to be hard, given that he
• 12:55
  Speaker 2: had been single for so long.
• 12:57
  Speaker 3: Yeah, but also then she was toxic, so that really
• 13:00
  Speaker 3: you didn't help it.
• 13:01
  Speaker 2: Yeah, yes, and that relationship was toxic. Yeah.
• 13:03
  Speaker 3: Okay, So then what happened? You moved out of home,
• 13:06
  Speaker 3: you started renting for the first time. Was that easy?
• 13:09
  Speaker 3: Was it hard? Was it confronting?
• 13:11
  Speaker 2: That was triggy? I guess one thing that I did
• 13:14
  Speaker 2: take away from my childhood was that I always ensured
• 13:18
  Speaker 2: that my rent was paid on time because I didn't
• 13:21
  Speaker 2: want any landlord knocking on my door. So I did that.
• 13:24
  Speaker 2: I made sure I did that every week. But then
• 13:26
  Speaker 2: the rest of the money it was just yollow. It
• 13:28
  Speaker 2: got spent on I don't even know what. And I
• 13:32
  Speaker 2: was living week to week and studying at the same time.
• 13:35
  Speaker 2: That's hard, yeah, trying to do placement and keep up
• 13:39
  Speaker 2: with life. But during that period of time, I met
• 13:43
  Speaker 2: my now ex partner and okay, I got introduced to
• 13:47
  Speaker 2: his family, and that was the first time that I'd
• 13:52
  Speaker 2: really seen how the other side lived.
• 13:54
  Speaker 1: Like.
• 13:54
  Speaker 2: His family had the white picket fence, they had the
• 13:59
  Speaker 2: well trained. Him and his brother went to private school.
• 14:03
  Speaker 3: They did a golden retriever. It was a border collie,
• 14:06
  Speaker 3: so same same.
• 14:07
  Speaker 2: Yeah, same same. They had pretty throw dugs and ornaments everywhere,
• 14:11
  Speaker 2: and I.
• 14:12
  Speaker 3: Was just like, wow, well what is this?
• 14:14
  Speaker 2: Yes, yes, Like I was like I want this, Like
• 14:18
  Speaker 2: this is how I want to live my life. This
• 14:20
  Speaker 2: is great. And they, like his parents, were very open
• 14:23
  Speaker 2: and talking about the fact that they were going to
• 14:26
  Speaker 2: retire early. The family all went on an annual trip together.
• 14:30
  Speaker 2: Like yeah, they just to me they were living the
• 14:32
  Speaker 2: high life. Wow. So once I finished university and got
• 14:37
  Speaker 2: an adult job, I started saving pretty aggressively for a
• 14:42
  Speaker 2: deposit for a house.
• 14:43
  Speaker 3: Oh good job. Yeah, it would have been so easy
• 14:46
  Speaker 3: with a partner like that to be like, right, well,
• 14:47
  Speaker 3: I'm fine, I'm just gonna match and keep up with
• 14:50
  Speaker 3: the Joneses and start spending money on stuff.
• 14:53
  Speaker 1: No.
• 14:54
  Speaker 2: No, I wanted to contribute to the deposit, so I
• 14:57
  Speaker 2: started saving pretty aggressively, and then you know, we got engaged.
• 15:01
  Speaker 2: We went to Europe, and then we moved into our
• 15:04
  Speaker 2: dream home that we built together, and I just thought,
• 15:07
  Speaker 2: I've made it like this.
• 15:08
  Speaker 3: You have your own white picket since yes.
• 15:11
  Speaker 2: Yes, yeah, yeah, I thought, you know, this is it.
• 15:14
  Speaker 2: This is my life and this is great. But we
• 15:18
  Speaker 2: know that when it's you know, too good to be true,
• 15:21
  Speaker 2: it probably is.
• 15:22
  Speaker 3: Sometimes it is. No, why was it too good to
• 15:25
  Speaker 3: be true?
• 15:26
  Speaker 2: Do I want to know?
• 15:27
  Speaker 3: Is this going to make me mad?
• 15:29
  Speaker 2: Look? I know this is a finance podcast, but I
• 15:31
  Speaker 2: know you do like juicy details.
• 15:33
  Speaker 3: So oh yeah, sorry, we just girls. Yeah.
• 15:37
  Speaker 2: Two months before the wedding, I got a message.
• 15:40
  Speaker 3: Request you got the hey girl message?
• 15:43
  Speaker 2: No, no, it was his ex girlfriend and she sort
• 15:50
  Speaker 2: of started the conversation with I know you're about to
• 15:54
  Speaker 2: get marriage, so I just want to clear my conscience.
• 15:56
  Speaker 2: This is what's been going on your entire relationship, and
• 16:00
  Speaker 2: she's mad the receipts and the receipts.
• 16:03
  Speaker 3: No, no, no, that's not a girl's girl. I mean,
• 16:07
  Speaker 3: do you know what, maybe it is a girl's girl,
• 16:10
  Speaker 3: because I don't know how you reacted, but I'm not
• 16:16
  Speaker 3: going to immediately like trust the ex girlfriend. Like I
• 16:19
  Speaker 3: think I would have needed the receipts to believe that. Yeah,
• 16:22
  Speaker 3: Like I think I would have tried really hard to
• 16:24
  Speaker 3: tell myself a narrative of like she's just trying to
• 16:26
  Speaker 3: ruin my happiness or like something I don't know, and
• 16:29
  Speaker 3: like that's probably really toxic to admit to. But at
• 16:32
  Speaker 3: the same time, like maybe you needed the receipts.
• 16:36
  Speaker 2: Well, you know what, I think my friends were a
• 16:39
  Speaker 2: lot more mad at her than what I was, because
• 16:42
  Speaker 2: I was, like, you know what, she just she didn't
• 16:44
  Speaker 2: know me anything. At the end of the day, she
• 16:45
  Speaker 2: didn't know me. I don't agree with her behavior, and
• 16:48
  Speaker 2: I'm so glad that I wouldn't do something like that,
• 16:51
  Speaker 2: But I was more mad at him, and given that
• 16:54
  Speaker 2: I did have the receipts, there was no denying.
• 16:56
  Speaker 3: Yeah, And I feel like that's justified. Did anger? I
• 17:01
  Speaker 3: feel like I'm always confused when people are mad at
• 17:03
  Speaker 3: the other woman, Like, yeah, you're right, she's not a
• 17:06
  Speaker 3: good human. Like, and I don't care what people say.
• 17:09
  Speaker 3: This podcast only gets listened to by millions, But I
• 17:12
  Speaker 3: don't care what people say if you actively go into
• 17:16
  Speaker 3: that kind of relationship knowing that they've got a partner
• 17:19
  Speaker 3: that's also on you, Like, that's a choice that you're making.
• 17:22
  Speaker 3: You're not probably the type of person I want to
• 17:25
  Speaker 3: keep the company of. But again, you're right, that person
• 17:28
  Speaker 3: doesn't owe me anything, but my partner he owes me
• 17:30
  Speaker 3: loyalty like he does. So I know where my anger's going,
• 17:34
  Speaker 3: and I feel like it would be where you placed it.
• 17:37
  Speaker 3: Two months before the wedding.
• 17:39
  Speaker 2: Two months before the wedding, No, root, Root, what did
• 17:42
  Speaker 2: you do? Wow? Obviously I had to cancel the wedding.
• 17:46
  Speaker 2: That was the first thing.
• 17:47
  Speaker 3: Some girls wouldn't queen, that's very big, Like some girls
• 17:50
  Speaker 3: would have been like, no, like he'll change, maybe he'll
• 17:53
  Speaker 3: be different when we're married.
• 17:55
  Speaker 1: Yeah.
• 17:55
  Speaker 2: No, I'm very glad that I did cancel that wedding.
• 17:58
  Speaker 2: And look, I think that's sad part about that. I
• 18:00
  Speaker 2: was thinking about this today was my dad actually got
• 18:03
  Speaker 2: a personal loan out to pay for that wedding, and
• 18:07
  Speaker 2: I didn't know that, Like I just thought he had
• 18:10
  Speaker 2: that spare cash laying around.
• 18:11
  Speaker 3: Dad. Yeah, okay, but like thanks dad, you are a king. Yes,
• 18:16
  Speaker 3: I don't like your choice in girlfriends, but thank you
• 18:18
  Speaker 3: for loving me.
• 18:19
  Speaker 2: Still. Yes, yes, and I know he just would have
• 18:23
  Speaker 2: wanted to do that like he was, you know, wanted
• 18:25
  Speaker 2: to do the traditional thing. And I'm so glad that
• 18:28
  Speaker 2: he got all of his money back. Oh he did,
• 18:30
  Speaker 2: he did, he did, so thankful for that and I
• 18:34
  Speaker 2: hope he paid it off and just close that. But
• 18:36
  Speaker 2: I know he probably did you.
• 18:38
  Speaker 3: Do anything, Petty, did you like Telly his family, because
• 18:40
  Speaker 3: like I would have just taken those receipts street to
• 18:42
  Speaker 3: his mum. I'm so sorry. I'm just that person.
• 18:45
  Speaker 2: Well, look, it gets even juicier because it does because
• 18:48
  Speaker 2: his dad actually had an affair with her mom, so
• 18:51
  Speaker 2: you know, keep it in the family, keep it in
• 18:53
  Speaker 2: the family, drop it.
• 18:56
  Speaker 3: So it was basically intestuous. I loved this for them.
• 18:59
  Speaker 2: I'm very cute. Yeah, I'm just so glad. I'm just
• 19:01
  Speaker 2: out of it. Like they honestly, they did, they do me.
• 19:04
  Speaker 3: I'm glad you are too. You deserve so much more.
• 19:07
  Speaker 2: Actually made me realize that, you know, I was so
• 19:10
  Speaker 2: embarrassed of my life because of what I saw that
• 19:13
  Speaker 2: they had. It made me put things into perspective and
• 19:16
  Speaker 2: realized that I shouldn't feel that way about my parents
• 19:20
  Speaker 2: because they're better people than that, exactly, And.
• 19:23
  Speaker 3: I'm really sorry. Like, just because it was toxic with
• 19:26
  Speaker 3: your situation like that doesn't mean we have to accept
• 19:29
  Speaker 3: it anywhere else, Like, oh yeah, what the hell? One
• 19:33
  Speaker 3: out of ten rating for him? Also glad you kicked
• 19:36
  Speaker 3: him to the curb two months before the wedding. How
• 19:38
  Speaker 3: did he respond? Was he like, no, I'm not.
• 19:41
  Speaker 2: Initially he did the whole I'm going to commit suicide thing?
• 19:43
  Speaker 3: Oh yeah, do you know what if if anyone ever
• 19:45
  Speaker 3: does that, called the cops. Yeah, that's a threat. How
• 19:49
  Speaker 3: did you deal with that?
• 19:50
  Speaker 2: I don't know. I really can't remember. I feel like
• 19:53
  Speaker 2: I blocked it was so traumatic that I've just blocked it.
• 19:56
  Speaker 2: And I do have to admit I did stay in
• 19:59
  Speaker 2: that relationship for another twelve months because I was just like,
• 20:02
  Speaker 2: you canceled the wedding. I feel like we all deal
• 20:05
  Speaker 2: with things in different ways. Absolutely no judgment. But for
• 20:08
  Speaker 2: anyone listening, if a partner or someone related to you
• 20:12
  Speaker 2: ever threatens that, you call the police immediately and you
• 20:15
  Speaker 2: take them nothing but seriously, like you need to call
• 20:18
  Speaker 2: an ambulance.
• 20:19
  Speaker 3: I'm really sorry. If someone is threatening their life, you
• 20:22
  Speaker 3: call an ambulance.
• 20:23
  Speaker 1: Like.
• 20:23
  Speaker 3: People should not be threatening that. And if they mentally unwell,
• 20:28
  Speaker 3: whether they are threatening that for real or they're just
• 20:30
  Speaker 3: trying to be manipulative, call them. Yeah, hands down, I'll
• 20:35
  Speaker 3: take you seriously.
• 20:36
  Speaker 2: Yeah. I've heard you say that on this podcast before,
• 20:38
  Speaker 2: and I yeah, I think that's such great advice.
• 20:41
  Speaker 3: I don't know, I just feel like sometimes it gets
• 20:44
  Speaker 3: thrown around too flippantly. I'm really sorry, but if you're
• 20:46
  Speaker 3: going to threaten that as a way of manipulating me,
• 20:49
  Speaker 3: I absolutely know you are not.
• 20:51
  Speaker 2: Yeah.
• 20:51
  Speaker 3: Yeah, Oh my goodness. So another twelve months in this relationship.
• 20:55
  Speaker 3: Was it an enjoyable twelve months or a struggling twelve
• 20:59
  Speaker 3: months of to make it work when it was never
• 21:01
  Speaker 3: going to work.
• 21:02
  Speaker 2: It was a struggle, And honestly, my best advice that
• 21:06
  Speaker 2: if anyone's ever with someone that cheats and think they
• 21:08
  Speaker 2: can make it work, most of the time you just can't,
• 21:11
  Speaker 2: and it changes you as a person and you become
• 21:14
  Speaker 2: resentful and spiteful, and I just became a really bad
• 21:17
  Speaker 2: version of myself. And I'm not proud of the person
• 21:20
  Speaker 2: that I was during that twelve months. Well I am.
• 21:24
  Speaker 3: She was coming to the conclusion that that wasn't the
• 21:26
  Speaker 3: right fit for her and sometimes you need to learn
• 21:29
  Speaker 3: a few hard lessons.
• 21:30
  Speaker 2: Yeah, yeah, But then COVID hit and I think three
• 21:36
  Speaker 2: weeks in lockdown together and it was that was done.
• 21:39
  Speaker 3: Oh we were done.
• 21:40
  Speaker 2: Yeah, when you get forced to actually spend time together
• 21:45
  Speaker 2: and we realized pretty recklarly that this was not going
• 21:47
  Speaker 2: to work.
• 21:48
  Speaker 3: No, but also good and so you break up. It's
• 21:51
  Speaker 3: COVID one out of ten. Timing what happens next, Well,
• 21:55
  Speaker 3: he was.
• 21:55
  Speaker 2: Pretty determined to keep the house and he had a
• 21:58
  Speaker 2: real emotional attachment to that house, and honestly, I was like,
• 22:02
  Speaker 2: what have I like? I yeah, I don't want to
• 22:05
  Speaker 2: be here. It just holds so many bad memories for me.
• 22:09
  Speaker 2: And my best friend at the time was just on
• 22:12
  Speaker 2: the phone to me and she was like, just get
• 22:13
  Speaker 2: here right now. I've got a spare room, I've set
• 22:16
  Speaker 2: up a TV in there for you, Like, just pack
• 22:18
  Speaker 2: your bags. Let's go stop it. She's like, I've been
• 22:21
  Speaker 2: playing house come yes, yes, yes, So I moved out
• 22:27
  Speaker 2: and I will give this guy credit where credits due.
• 22:30
  Speaker 2: The financial side of things was settled very amicably and
• 22:35
  Speaker 2: there was oh god, there's no lawyers involved. It was
• 22:39
  Speaker 2: very calm and we're both very happy with the outcome.
• 22:42
  Speaker 2: So it ended on a positive note. That's all I
• 22:45
  Speaker 2: can ask for.
• 22:46
  Speaker 3: He owed that to you, I'm telling you right now,
• 22:49
  Speaker 3: after putting you through that amount of stress and making
• 22:51
  Speaker 3: you cancel a wedding two months before it happened. Yeah, no, no,
• 22:55
  Speaker 3: he owed that to you. I'm so glad you got it.
• 22:57
  Speaker 2: Yeah. So we sat grated in the April. The settlement
• 23:02
  Speaker 2: all went through in the July, and by October I
• 23:06
  Speaker 2: purchased my home that we're living in now, and I
• 23:09
  Speaker 2: love it. Stop it.
• 23:11
  Speaker 3: I love that. All by yourself or by myself.
• 23:14
  Speaker 2: I had some really good friends help me during that time,
• 23:16
  Speaker 2: because I didn't have any family around me, and they
• 23:18
  Speaker 2: would come to house inspections for me and ask all
• 23:22
  Speaker 2: the questions and helping me put together furniture. And I'm
• 23:26
  Speaker 2: just so lucky you to have the friend trips that
• 23:28
  Speaker 2: I do. Have because I think if I didn't have them,
• 23:31
  Speaker 2: I wouldn't be in this position today.
• 23:33
  Speaker 3: Oh my god, what I can't again. You deserve those friends.
• 23:37
  Speaker 3: Good things happened to good people.
• 23:39
  Speaker 2: I think they were just waiting. They were just waiting
• 23:41
  Speaker 2: for me to leave. And then they're like great, like,
• 23:43
  Speaker 2: let's make sure she's in a position where she's not
• 23:45
  Speaker 2: going to go back.
• 23:46
  Speaker 3: I'm not gonna lie. That's me with a couple of friends,
• 23:50
  Speaker 3: and I just go I'll just wait here. That's fine,
• 23:53
  Speaker 3: you come to that conclusion, I will be right here.
• 23:57
  Speaker 3: Like my husband, And this is a complete side note.
• 24:00
  Speaker 3: People aren't like Victoria, you're not talking about money. My
• 24:02
  Speaker 3: husband says that I like to quote collect strays, and
• 24:06
  Speaker 3: they're not necessarily strays. But I will come home from
• 24:09
  Speaker 3: work one day and be like, by the way, x
• 24:11
  Speaker 3: y Z is moving in with us for a few weeks,
• 24:13
  Speaker 3: and he'll be like great, perfect, just because I'm just like, no,
• 24:18
  Speaker 3: it's gonna happen. And I feel so lucky to have
• 24:20
  Speaker 3: the space for you. Come. It's fine, Like I just
• 24:23
  Speaker 3: don't want you to be by yourself, and most importantly,
• 24:26
  Speaker 3: I don't want you to go back to them.
• 24:28
  Speaker 2: Yes, and it gives you an excuse to just drink
• 24:31
  Speaker 2: wine and gossip and talk shit about the guy. And yeah, exactly,
• 24:36
  Speaker 2: and that's cathartic exactly.
• 24:39
  Speaker 3: So how old are you when you bought this house?
• 24:43
  Speaker 2: So that was twenty twenty, which was six years ago.
• 24:46
  Speaker 2: So I was twenty eight.
• 24:47
  Speaker 3: Okay, so you bought the house that you currently live in.
• 24:50
  Speaker 3: But like fast forward, you said you have two babies.
• 24:53
  Speaker 3: So still in the blanks, what has happened in the
• 24:56
  Speaker 3: last six years?
• 24:57
  Speaker 2: I followed suit with my parents. Sorry, twelve months later
• 25:02
  Speaker 2: I met my partner who I'm with today. Gorgeous, yes,
• 25:07
  Speaker 2: and I think because it was Coryban it was lockdown.
• 25:10
  Speaker 2: Things got serious very very quickly.
• 25:13
  Speaker 3: Oh it's a pressure cooker like it was definitely like
• 25:16
  Speaker 3: because you couldn't go out for dinner and spread things
• 25:19
  Speaker 3: out and there was no socializing with friends in between.
• 25:22
  Speaker 3: You were just like zero or one hundred mate, like
• 25:24
  Speaker 3: you're in or you're out.
• 25:26
  Speaker 2: Yeah. Literally, And within twelve months of becoming official, we
• 25:32
  Speaker 2: celebrated it our twelve months together and the very next
• 25:35
  Speaker 2: day I gave birth to out out this child. Stop it.
• 25:39
  Speaker 3: That's iconic, I.
• 25:41
  Speaker 2: Know, I know, and it sounds so crazy. But honestly,
• 25:45
  Speaker 2: I have no regrets, Like, no, I love it, happy
• 25:48
  Speaker 2: it it happened that way.
• 25:49
  Speaker 3: Just to like quickly ask what people might be thinking.
• 25:53
  Speaker 3: That was not planned, right, Like you didn't get with
• 25:56
  Speaker 3: somebody and then two three months in you were like,
• 25:58
  Speaker 3: let's have a baby together. That's not what happened, right, No,
• 26:02
  Speaker 3: definitely not.
• 26:03
  Speaker 2: I was just at work one day actually, and one
• 26:05
  Speaker 2: of my friends was like, oh, I'm pregnant, and I
• 26:08
  Speaker 2: was thinking, I'm like, I'm late for my period and
• 26:11
  Speaker 2: this has never happened before.
• 26:12
  Speaker 3: You were like, that feels relatable.
• 26:14
  Speaker 2: Yea. So I phoned one of my friends and I
• 26:18
  Speaker 2: was like, oh my god, I am late. And she
• 26:20
  Speaker 2: was like, okay, well get a pregnancy test, get a
• 26:23
  Speaker 2: bottle of wine, let's meet at your house.
• 26:25
  Speaker 3: True pregnancy tested in a bottle of wine.
• 26:29
  Speaker 2: I love it. Yes, I know, I know. And I
• 26:31
  Speaker 2: did the test and I thought it was negative.
• 26:34
  Speaker 3: So I drank the bottle of wine glass. Yeah, yeah, iconic.
• 26:37
  Speaker 2: And then it developed and you looked at it later
• 26:39
  Speaker 2: on the bench, Yeah, yeah, that's exactly what happened.
• 26:42
  Speaker 3: No, no, but we've all been there, Like, don't get
• 26:46
  Speaker 3: me wrong. I was trying to get pregnant, but I
• 26:49
  Speaker 3: thought I wasn't pregnant when I was with Chemi, and like,
• 26:53
  Speaker 3: I went and got a laser facial, you're not allowed those.
• 26:55
  Speaker 3: Well pregnant, I had like four margaritas in one night,
• 26:59
  Speaker 3: and then a week later I was like, I swear
• 27:01
  Speaker 3: like I'm not feeling good, like I swear I am pregnant. Yeah,
• 27:05
  Speaker 3: I was. I should have double tested or something.
• 27:08
  Speaker 2: Who knows. Anyway, Anyway, they're here, they're healthy, just about it.
• 27:14
  Speaker 2: And I think it's probably important to note that during
• 27:18
  Speaker 2: that twelve months or when I moved out and got
• 27:21
  Speaker 2: my own house, I went back to my old habits,
• 27:25
  Speaker 2: just ensuring I had enough to bate a mortgage, and
• 27:27
  Speaker 2: then the rest was just spent on country road jumpers
• 27:32
  Speaker 2: and a daars quills and just meaningless stuff Like I
• 27:36
  Speaker 2: wasn't saving during that time, and I definitely wasn't making
• 27:39
  Speaker 2: extra repayments when the interest rates were two forty one cent.
• 27:42
  Speaker 2: So mad regrets about that.
• 27:44
  Speaker 3: Yeah, But also, isn't it funny when you say that,
• 27:47
  Speaker 3: it's so relatable. I think when we talk about overspending,
• 27:51
  Speaker 3: we often think, oh, it's really big items, but it
• 27:54
  Speaker 3: really is a dares and country road, isn't it. Yeah,
• 27:57
  Speaker 3: like that stuff adds up. And why is it more
• 28:00
  Speaker 3: than eighty dollars?
• 28:01
  Speaker 2: Now? What the hell? I know? I know, and I
• 28:05
  Speaker 2: don't think I even waited for the spend and say
• 28:07
  Speaker 2: it was just like I just want it right uresday night.
• 28:10
  Speaker 3: Yeah, yeah, it's late night shopping.
• 28:14
  Speaker 2: Yes, but anyway, it's part of my story and I'm
• 28:18
  Speaker 2: doing things differently now. So that's amazing.
• 28:20
  Speaker 3: Love. And so we have a baby the day after
• 28:23
  Speaker 3: our twelve month anniversary. You got to celebrate your anniversary.
• 28:27
  Speaker 2: I love that.
• 28:28
  Speaker 3: Yes, And then now you've got two of them.
• 28:31
  Speaker 2: Yeah, so now I've got two of them. Sorry. When
• 28:34
  Speaker 2: I gave birth to my eldest child, we obviously hadn't
• 28:37
  Speaker 2: planned for it, so we didn't plan for the maternity leave,
• 28:41
  Speaker 2: and I had to go into sunder link pay and
• 28:44
  Speaker 2: grateful that we have that opportunity. But things were really
• 28:48
  Speaker 2: really tight and we were really really stressed. And then
• 28:53
  Speaker 2: I was catching up for lunch with a friend. I
• 28:56
  Speaker 2: think my son was eighteen months at this stage, and
• 29:00
  Speaker 2: she actually told me about your podcast.
• 29:03
  Speaker 3: Oh, hello, welcome, this is where I get to enter
• 29:06
  Speaker 3: the chat.
• 29:07
  Speaker 2: Yeah, this is where you went to the chat. And
• 29:09
  Speaker 2: my partner had been saying things to me like we
• 29:12
  Speaker 2: need to get serious and you need to rain any spending,
• 29:15
  Speaker 2: and we need to think about our future. But it
• 29:18
  Speaker 2: wasn't until yeah, like I was introduced to your podcast
• 29:22
  Speaker 2: and I don't know, things were explained to me in
• 29:25
  Speaker 2: a fun and exciting, in a relatable way that it
• 29:29
  Speaker 2: started to stick and I started to put into place
• 29:33
  Speaker 2: and things to ensure that we had financial security for
• 29:36
  Speaker 2: our future.
• 29:37
  Speaker 3: I adore that, But also, isn't it so strange how
• 29:41
  Speaker 3: much pressure it feels, or like how much pressure gets
• 29:45
  Speaker 3: put on you by yourself when people are saying things like, oh,
• 29:48
  Speaker 3: money direst you need to get it together, or we
• 29:50
  Speaker 3: really need to talk about you know, being better with money,
• 29:53
  Speaker 3: but not knowing where to channel that energy and also
• 29:55
  Speaker 3: not feeling like you've got any of the tools or
• 29:57
  Speaker 3: resources like just going out. Oh my god, every time
• 30:00
  Speaker 3: time he mentioned it, you probably like, yep, yep, cool,
• 30:02
  Speaker 3: no worries, I will, I will, And then you just
• 30:04
  Speaker 3: don't know where to channel that energy. And then all
• 30:07
  Speaker 3: of a sudden, there seems to be a piece of
• 30:09
  Speaker 3: content that is for you and directed at you, and
• 30:11
  Speaker 3: you're like, wait, this doesn't need to be as hard
• 30:14
  Speaker 3: or as overwhelming. What the hell like, I didn't expect
• 30:17
  Speaker 3: it to be as consumable as it was feeling before. Yeah.
• 30:22
  Speaker 2: And I think also, like it's really easy to just
• 30:25
  Speaker 2: be like, well, we don't know millions, so we don't
• 30:29
  Speaker 2: have the ability to do those things and set ourselves
• 30:33
  Speaker 2: up for the future.
• 30:34
  Speaker 4: Yeah.
• 30:35
  Speaker 3: Crazy. So fuss forward, You've entered the shees on the
• 30:39
  Speaker 3: money chat. Ye, new personality is into the villa. And
• 30:44
  Speaker 3: then what happens You start to get your money story together.
• 30:48
  Speaker 2: I start to get my money story together. I purchase
• 30:51
  Speaker 2: your Money Masterclass. Thank you. I purchased it on my
• 30:54
  Speaker 2: credit card. You gotta do what you got to do.
• 30:58
  Speaker 3: I didn't even offer after pay for a reason on that.
• 31:01
  Speaker 3: I was like, nah, like, I'm so sorry if you
• 31:03
  Speaker 3: have to buy this enough to pay, I'm not letting
• 31:05
  Speaker 3: people buy I'm not accepting after pay forgetting that people
• 31:08
  Speaker 3: could just put it on their credit cards.
• 31:11
  Speaker 2: Yeah, that was me. And I also did the thing
• 31:14
  Speaker 2: that you say not to do at the start of
• 31:16
  Speaker 2: the master class, which is don't go straight to the spreadgey.
• 31:19
  Speaker 2: And I was like, I have to go straight to
• 31:21
  Speaker 2: the sproadgie. I try.
• 31:22
  Speaker 3: I try to tell you. I tried, I tried, but
• 31:25
  Speaker 3: you are just me.
• 31:27
  Speaker 2: You are me.
• 31:27
  Speaker 3: That's exactly what I would do. And you know I
• 31:29
  Speaker 3: had to tell you because I knew you would do it,
• 31:31
  Speaker 3: because I would do it. Yeah, so that is our bible.
• 31:35
  Speaker 2: Now, that is what we live off. That spreadsheet. It
• 31:38
  Speaker 2: is so pretty. And yeah, like I'm constantly reviewing our
• 31:44
  Speaker 2: insurances every year. Now, I'm obsessed with you love this,
• 31:49
  Speaker 2: comparing utilities. We have an emergency savings account, Yes, you do.
• 31:56
  Speaker 1: Love.
• 31:57
  Speaker 2: I started dabbling in investing and paying extra off the mortgage,
• 32:02
  Speaker 2: which is something that's really important for me.
• 32:04
  Speaker 3: Yet love, Okay, and then when does baby number two
• 32:08
  Speaker 3: come along?
• 32:09
  Speaker 2: She came along nine months ago. Now she was planned,
• 32:14
  Speaker 2: but yeah, she's our last baby and very very thankful
• 32:18
  Speaker 2: for it.
• 32:18
  Speaker 3: That's so exciting. And now what's the plan moving from here?
• 32:22
  Speaker 3: If you've decided okay, that's our last baby, two kids,
• 32:26
  Speaker 3: we are done. What does the future look like?
• 32:30
  Speaker 2: Well, we have our short term goals and at the moment,
• 32:32
  Speaker 2: we're just fixing up our house that we're living in
• 32:35
  Speaker 2: and giving it some personality and some love and making
• 32:39
  Speaker 2: it a space that we feel really proud of. Medium term,
• 32:42
  Speaker 2: we are engaged. We got engaged. Yeah, oh I love love.
• 32:48
  Speaker 2: So that's really really exciting. And we don't want a
• 32:52
  Speaker 2: big wedding, you know, I nearly want ahead with a
• 32:55
  Speaker 2: big wedding and I'm not doing that again. So it'll
• 32:58
  Speaker 2: just be something really that's fair. Yeah, something really small
• 33:01
  Speaker 2: and intimate and like my vision is that we will
• 33:04
  Speaker 2: just book a house for the weekend after we actually
• 33:08
  Speaker 2: have the official ceremony and then invital of our friends
• 33:11
  Speaker 2: and families and spy pizza, b my alcohol. I don't
• 33:14
  Speaker 2: want any gifts. Bring your kids, yeah, just super chick.
• 33:18
  Speaker 3: Bring your kids is iconic.
• 33:21
  Speaker 2: Yeah.
• 33:21
  Speaker 3: I know lots of people have weddings and say no kids.
• 33:25
  Speaker 3: The kids at my wedding made it, but it was
• 33:27
  Speaker 3: just I know that I have kids now, so it
• 33:29
  Speaker 3: probably means more. But I didn't have kids then, and
• 33:31
  Speaker 3: I was obsessed like just little humans. Their magic. I
• 33:35
  Speaker 3: don't know what's in them. Sometimes they're crazy, sometimes they
• 33:39
  Speaker 3: ruin things, but mostly magic, I think.
• 33:42
  Speaker 2: Yeah, And I think it's important to note too that
• 33:45
  Speaker 2: my partner's actually not from Australia, so we will be
• 33:50
  Speaker 2: going overseas hopefully at the end of next year and
• 33:53
  Speaker 2: celebrating with them. Too. You're over there, so that's really
• 33:55
  Speaker 2: important for us.
• 33:56
  Speaker 3: That's so exciting. But what type of financial planning do
• 34:00
  Speaker 3: you have to do for that moving forward?
• 34:02
  Speaker 2: Then?
• 34:02
  Speaker 3: Is that something where you'll consistently go overseas with you
• 34:05
  Speaker 3: and the kids to go visit family.
• 34:08
  Speaker 2: Definitely? I love traveling anyway, and I'm so grateful that
• 34:11
  Speaker 2: I've been able to give my kids so these experiences.
• 34:13
  Speaker 2: My first child's been on two international trips now and
• 34:17
  Speaker 2: my daughter k son calm down, my daughter's about to
• 34:20
  Speaker 2: go on her first one for a birthday, and so, yeah,
• 34:23
  Speaker 2: travel is definitely in our future, and I think it's
• 34:26
  Speaker 2: really important for my partner to be able to go
• 34:28
  Speaker 2: and visit his family often and for our kids to
• 34:31
  Speaker 2: have a relationship with his family, Like that's really really
• 34:34
  Speaker 2: important to both of us.
• 34:35
  Speaker 3: Adore, all right, tell me how much money do you
• 34:38
  Speaker 3: and what do you actually do for work?
• 34:40
  Speaker 2: So I'm a nurse and I work part time seven
• 34:44
  Speaker 2: ships a fortnight and I am king between ninety and
• 34:47
  Speaker 2: one hundred thousand dollars a year before tax plus supernation.
• 34:51
  Speaker 3: Oh okay, yeah, that's nice, and that's your part time income.
• 34:56
  Speaker 3: What type of nursing are we doing?
• 34:58
  Speaker 2: I'm an associate nurse, you know, manager.
• 35:01
  Speaker 3: So she's a big dog. She's a big dog, she's
• 35:03
  Speaker 3: a fancy girl.
• 35:04
  Speaker 2: Play that. I would not say that.
• 35:05
  Speaker 3: You and I both know that's impressive. So you just
• 35:08
  Speaker 3: sit down, all right, that is very impressive. Talk to
• 35:12
  Speaker 3: me about your big money goals. Like you mentioned that
• 35:14
  Speaker 3: you're getting married, but you're also trying to make the
• 35:16
  Speaker 3: house somewhere that you're really proud of. But you also
• 35:19
  Speaker 3: have overseas travel. What are your big money goals? What
• 35:22
  Speaker 3: are you currently working towards.
• 35:24
  Speaker 2: Look, I think we would love to have a house
• 35:27
  Speaker 2: on the beach one day. But given my childhood and
• 35:32
  Speaker 2: where I've come from and the roller coaster of a
• 35:34
  Speaker 2: life that I've lived, honestly, success to me it just
• 35:37
  Speaker 2: looks like being able to pay for my groceries every week,
• 35:41
  Speaker 2: cover my bills, give my children some really nice experiences,
• 35:46
  Speaker 2: and just not having to stress like that is just
• 35:48
  Speaker 2: the ultimate goal. Like I don't need fancy things. I
• 35:51
  Speaker 2: don't want designer bags or twenty houses or anything like that.
• 35:55
  Speaker 2: I just want to be comfortable and I just don't
• 35:58
  Speaker 2: want to have money being a huge stress in my life. Yeah,
• 36:04
  Speaker 2: I think that's an everyone's goal.
• 36:06
  Speaker 3: Well, you say that, but I think that that's a
• 36:09
  Speaker 3: really wholesome goal, and unfortunately it's come from negative experiences
• 36:14
  Speaker 3: of being like, well, there have been times where we
• 36:16
  Speaker 3: haven't been able to do that, or there are gas
• 36:18
  Speaker 3: got cut off, or you know, so many other things,
• 36:21
  Speaker 3: and unfortunately it has come from trauma. But I think
• 36:26
  Speaker 3: that just to be able to take things like that
• 36:30
  Speaker 3: not for granted is actually a really big goal of
• 36:34
  Speaker 3: a lot of people's because they just go, oh, well,
• 36:36
  Speaker 3: I'm not enough, I'm not this, I'm not that. But like,
• 36:39
  Speaker 3: just being grateful for the small things means that the
• 36:41
  Speaker 3: big things mean so much more. Like you will just
• 36:44
  Speaker 3: find so much joy in everyday life if you can
• 36:47
  Speaker 3: appreciate what you already have at home, and that is
• 36:49
  Speaker 3: just so nice.
• 36:51
  Speaker 2: Yeah, and look, I had a moment last week where like,
• 36:54
  Speaker 2: I took my son to the dentist for a first time,
• 36:57
  Speaker 2: and he's going to need work done, and I was
• 36:59
  Speaker 2: just like, yeah, fine, let's book it in. And then
• 37:02
  Speaker 2: I had a memory of when I went to the
• 37:04
  Speaker 2: dentist for the first time and I was a teenager
• 37:06
  Speaker 2: because honestly, we're barely affortitude brush at that stage, and
• 37:10
  Speaker 2: I had to get like three or four feelings done,
• 37:12
  Speaker 2: and I remember my parents having to be like, we
• 37:15
  Speaker 2: can only get one done today, Like we're not going
• 37:16
  Speaker 2: to be able to get them all done today. So
• 37:19
  Speaker 2: just to be able to, you know, take my son
• 37:22
  Speaker 2: to the dentist and get the work done that he
• 37:24
  Speaker 2: needs just feels like, Yeah, that just feels like success
• 37:28
  Speaker 2: to me. And I'm super that is success.
• 37:31
  Speaker 3: That is so successful. I'm obsessed, like what a money
• 37:36
  Speaker 3: glow up? Like what a money story glow up? Let's
• 37:39
  Speaker 3: go to a really quick break because on the flip side,
• 37:41
  Speaker 3: I want to talk about investing, I want to talk
• 37:43
  Speaker 3: about debt, I want to talk about the personal insurances
• 37:46
  Speaker 3: you touched on. And then I'm pretty sure over this
• 37:48
  Speaker 3: period of time you've got some pretty good money habits
• 37:50
  Speaker 3: that you could share with us. So guys, don't go anywhere.
• 37:57
  Speaker 3: Our one thousandth episode is coming up soon. To celebrate,
• 38:00
  Speaker 3: we're giving one clever listener a chance to win She's
• 38:03
  Speaker 3: Stashed the Cash. Today's mystery word is thousand. Tune into
• 38:09
  Speaker 3: episodes of She's on the Money between the seventeenth of
• 38:11
  Speaker 3: June and the third of July and listen out for
• 38:14
  Speaker 3: the hidden code words. They're are five in total. The
• 38:17
  Speaker 3: first person to arrange the code words in the correct
• 38:19
  Speaker 3: order will win one thousand dollars. Entries open on Friday,
• 38:23
  Speaker 3: the third of July, with details shared live on the pod.
• 38:26
  Speaker 3: Good luck and happy hunting. All right, money diarist, we
• 38:30
  Speaker 3: are back and you were introduced to the She's on
• 38:33
  Speaker 3: the Money community by obviously the best friend you've ever had. Like,
• 38:37
  Speaker 3: what an icon?
• 38:38
  Speaker 2: I love her?
• 38:40
  Speaker 3: But are you currently investing? If so, what does that
• 38:44
  Speaker 3: look like?
• 38:45
  Speaker 2: Yes, so our pull out mown routes for We're fun.
• 38:48
  Speaker 2: I don't have a huge extensive investing portfolio, but I
• 38:53
  Speaker 2: have one hundred and seventy thousand dollars in my superannuation account.
• 38:56
  Speaker 3: Sorry what could you just say that again? One hundred
• 38:58
  Speaker 3: and seventy thousand dollars? Yes, okay, queen.
• 39:02
  Speaker 2: I haven't made any extra contributions to that, so that's
• 39:06
  Speaker 2: just in the defol account you've seem so.
• 39:09
  Speaker 3: For those of you playing along at home, this interview
• 39:11
  Speaker 3: is only audio, but I can see our money dost.
• 39:14
  Speaker 3: She's looking at me like, maybe that's not enough, Queen?
• 39:17
  Speaker 3: How did you get one hundred and seventy thousand dollars
• 39:19
  Speaker 3: with no additional contributions at thirty four years of age,
• 39:23
  Speaker 3: I have.
• 39:23
  Speaker 2: No idea, like I, I'm just with a debut. That's
• 39:26
  Speaker 2: the depault.
• 39:27
  Speaker 3: Oh good, Have you been working since you were two
• 39:30
  Speaker 3: years old or something?
• 39:31
  Speaker 2: No, I haven't. But it's in the balanced growth portfolio.
• 39:34
  Speaker 2: And I know there's a high growth option and I
• 39:36
  Speaker 2: know that, and probably this should be switchy.
• 39:39
  Speaker 3: That's okay, but we pick what we're coming sable with.
• 39:41
  Speaker 2: But I haven't done anything with it, so yeah, that's up.
• 39:46
  Speaker 3: Just to put that in context, for a woman aged
• 39:50
  Speaker 3: thirty to thirty four, and you're thirty four, the average
• 39:53
  Speaker 3: super balance sits between forty four thousand and fifty eight
• 39:57
  Speaker 3: thousand dollars. Okay, well that's you're running rings around yourself,
• 40:02
  Speaker 3: which I am so proud of you for. But the
• 40:05
  Speaker 3: fact that you then said it's not even in high growth,
• 40:08
  Speaker 3: I was like, queen, what, I love that for you.
• 40:12
  Speaker 3: But that just means you've got an epic work ethic.
• 40:14
  Speaker 3: Clearly you've done a lot of hours to recruit that.
• 40:17
  Speaker 3: Are you working in an area where you get extra
• 40:19
  Speaker 3: super or is this just literally banking up slowly and consistently.
• 40:24
  Speaker 2: Before kids, I have been of a workaholic so I
• 40:27
  Speaker 2: was the one that was always putting myself up to
• 40:29
  Speaker 2: do the double shifts and overtime and things like that.
• 40:33
  Speaker 3: Yeah, Queen, it's paid off. Like you could just literally
• 40:37
  Speaker 3: have that compound and you will retire comfortably. That is
• 40:41
  Speaker 3: very exciting. I'm not telling you to change your risk
• 40:43
  Speaker 3: profile at all, but what I heard before was that
• 40:47
  Speaker 3: you just haven't reviewed it, not that you've reviewed it,
• 40:50
  Speaker 3: and you were like, no, I really like that risk profile,
• 40:52
  Speaker 3: you said, I haven't looked at it. So what I
• 40:54
  Speaker 3: want you to do is make the most of that
• 40:56
  Speaker 3: because and I'm not being dramatic here, it's going to
• 40:59
  Speaker 3: sound really druma but not caring and not actually taking
• 41:03
  Speaker 3: that action is going to cost you hundreds of thousands
• 41:06
  Speaker 3: of dollars when you retire. Like the difference between a
• 41:10
  Speaker 3: one percent return. Now, if you're in a different bracket,
• 41:13
  Speaker 3: like if you did your risk profile and came out
• 41:16
  Speaker 3: as a growth investor or a high growth investor, the
• 41:19
  Speaker 3: difference might be up to three percent, But the difference
• 41:22
  Speaker 3: of that over the next thirty years literally is hundreds
• 41:25
  Speaker 3: of thousands of dollars that you're stopping yourself from gaining.
• 41:29
  Speaker 3: And I promise you'll wish in hindsight that you've done
• 41:32
  Speaker 3: something about it. If things are getting a little bit tricky,
• 41:35
  Speaker 3: so it's free. Just have a look at it. I'm
• 41:38
  Speaker 3: not saying change your profile. If you're not comfortable with it,
• 41:40
  Speaker 3: don't do it. But please just look at it, like
• 41:43
  Speaker 3: I just please, thank you, No, I just look at it.
• 41:48
  Speaker 3: Just just go and look at it. And if it's scary,
• 41:50
  Speaker 3: you can run away, but at least you looked, and
• 41:52
  Speaker 3: then go and look another time when it's less overwhelming.
• 41:55
  Speaker 3: But like, this is stuff that we have to take
• 41:57
  Speaker 3: seriously and that's free. Like that is free. And in
• 42:00
  Speaker 3: this economy, I'm sorry, it is so hard to put
• 42:03
  Speaker 3: money in the right places and feel like we're consistently contributing.
• 42:07
  Speaker 3: But my queen, you could literally be hundreds of thousands
• 42:10
  Speaker 3: of dollars better off just by do win a little
• 42:12
  Speaker 3: bit of Bravo admin. Well maybe hopefully the kids are
• 42:15
  Speaker 3: still not Yeah.
• 42:16
  Speaker 2: Yeah, no, you're right, you're right. I definitely will, I
• 42:19
  Speaker 2: definitely will.
• 42:19
  Speaker 3: I promise I'm gonna follow you up. I'm so sorry.
• 42:22
  Speaker 3: I'm gonna be like, did you go look at your
• 42:24
  Speaker 3: thing yet? It's so sorry, but also not sorry at all.
• 42:27
  Speaker 2: That's that, and then I purchased our home, like I
• 42:31
  Speaker 2: said in twenty twenty, and that cost me about five
• 42:34
  Speaker 2: hundred and thirty five thousand.
• 42:35
  Speaker 3: I was about to ask girls, about to say, what
• 42:37
  Speaker 3: debt are you in? My friend? Is good debt, but
• 42:39
  Speaker 3: what does it look like?
• 42:40
  Speaker 2: We currently ow about three hundred and twenty one thousand
• 42:42
  Speaker 2: dollars on that mortgage.
• 42:44
  Speaker 3: Very cool.
• 42:45
  Speaker 2: And then a household two doors down from us, which
• 42:47
  Speaker 2: is similar to this one, that's sold for about seven
• 42:49
  Speaker 2: hundred thousand. So that's really good to see. Oh, very nice.
• 42:53
  Speaker 3: I have to be really pervy in the best of ways,
• 42:56
  Speaker 3: but also maybe like is this bad? Maybe a protective way,
• 43:00
  Speaker 3: like I love your partner, because you love your partner,
• 43:03
  Speaker 3: but you told me before I bought the house, like
• 43:06
  Speaker 3: you know, I broke up with this toxic boyfriend and
• 43:08
  Speaker 3: then I was able to buy a house and I
• 43:10
  Speaker 3: did it all by myself. And now the narrative or
• 43:13
  Speaker 3: the thing that I'm picking up is that you're using
• 43:15
  Speaker 3: this house as like a WI tell me about that,
• 43:18
  Speaker 3: like is this now your house combined? Like is he
• 43:21
  Speaker 3: paying for the mortgage? And if something happened, like what's
• 43:24
  Speaker 3: the plan there?
• 43:25
  Speaker 2: Yes?
• 43:26
  Speaker 3: Sorry, if that's an overwhelming.
• 43:28
  Speaker 2: My history, that's not an overwhelming question. Yes, this is
• 43:30
  Speaker 2: now our house. This is a house that we pay
• 43:33
  Speaker 2: for together. We have another investment property that he owns. Yeah.
• 43:39
  Speaker 3: Okay, so he's brought something to the relationship and hasn't
• 43:41
  Speaker 3: just like kind of taken over paying for some of
• 43:44
  Speaker 3: your mortgage and then if something happened, he'd walk away
• 43:46
  Speaker 3: with half your house.
• 43:47
  Speaker 2: Yeah.
• 43:47
  Speaker 3: No, like there's another asset floating in the.
• 43:50
  Speaker 2: Yes, there is. And then I have about three six
• 43:54
  Speaker 2: hundred dollars in a raise account.
• 43:55
  Speaker 3: Okay, that is it.
• 43:56
  Speaker 4: Pick.
• 43:57
  Speaker 2: The only reason I picked that is because when I
• 44:01
  Speaker 2: first started this whole thing, that just felt like the
• 44:05
  Speaker 2: easiest option totally.
• 44:07
  Speaker 3: And it's micro investing, so it doesn't feel like you're
• 44:09
  Speaker 3: biting off more than you can chew, right, Like it
• 44:11
  Speaker 3: just feels like, Okay, that's a cool gateway drug.
• 44:14
  Speaker 2: Yes, it's like a satin bagette thing. And I know
• 44:16
  Speaker 2: the things are quite high and all the.
• 44:18
  Speaker 3: Rest of it, but I wouldn't care. Like, to me,
• 44:21
  Speaker 3: that's an investment into your financial literacy. My queen is investing. Yeah,
• 44:25
  Speaker 3: that's what we want to see.
• 44:26
  Speaker 2: And I just started off with twenty five dollars a week.
• 44:28
  Speaker 2: And I justified that because like I was like, I'd
• 44:30
  Speaker 2: be willing to drop twenty five dollars on a margarita
• 44:33
  Speaker 2: each week, so oh, same, instead of buying the minorita,
• 44:37
  Speaker 2: I'll put it into the raise account. So that's it.
• 44:40
  Speaker 3: I like that we've got margarita money and now it's
• 44:42
  Speaker 3: thousands of dollars.
• 44:44
  Speaker 2: Yeah, and I do have a share these account and
• 44:47
  Speaker 2: that's got about two eight hundred dollars invested, all invested
• 44:50
  Speaker 2: in BDHG and okay, iconic again. I was just like,
• 44:55
  Speaker 2: I need to pick something easy. I love this.
• 44:58
  Speaker 3: I think that that is a really clean, nice way
• 45:01
  Speaker 3: to start your investing journey. And like with your super
• 45:04
  Speaker 3: you've proven that from little things, big things grows, so like,
• 45:07
  Speaker 3: look at you go, I'm so excited. Yeah, now tell me.
• 45:12
  Speaker 3: We've already heard about your debt for your property and
• 45:14
  Speaker 3: what that looks like. Do you have any other debts
• 45:17
  Speaker 3: sitting around?
• 45:18
  Speaker 2: I don't have any consumer debt. I do have a
• 45:21
  Speaker 2: rewards credit card with a six thousand dollar limit on that,
• 45:25
  Speaker 2: but that is page for every month and awesome, yeah,
• 45:30
  Speaker 2: purely for points hacking, and that's paying for us to
• 45:33
  Speaker 2: go overseas for my daughter's first birthdays and super thankful
• 45:37
  Speaker 2: for that love.
• 45:38
  Speaker 3: But that's not really a debt. That's a strategy for
• 45:40
  Speaker 3: cash flow and maximizing it if you can look after it.
• 45:44
  Speaker 2: Yeah I did. I was looking at what I could
• 45:46
  Speaker 2: have got with my points, and it was like, the
• 45:49
  Speaker 2: four of us could go to Bali and back, or
• 45:53
  Speaker 2: I could have gone first class to Europe. But you
• 45:55
  Speaker 2: know the sacrifices you have to make of them.
• 45:57
  Speaker 3: Month It's rude, isn't it.
• 46:00
  Speaker 2: Put my hands up and I'll do it. I'll do it.
• 46:01
  Speaker 2: I'll take one for the team.
• 46:02
  Speaker 3: But you know, kids, unfortunately don't stay kids forever. One
• 46:06
  Speaker 3: day they're going to be adults and you and your
• 46:08
  Speaker 3: partner are gonna be able to like clock all the
• 46:10
  Speaker 3: points and do all of the overseas trips and you'll
• 46:14
  Speaker 3: be able to tell your kids, oh, we just flew
• 46:16
  Speaker 3: flows class to Europe again. It's going to be iconic. Yeah,
• 46:21
  Speaker 3: I love that.
• 46:22
  Speaker 2: All right.
• 46:22
  Speaker 3: Tell me about personal insurance, because you did say that
• 46:25
  Speaker 3: you review your insurance annually, how you set up to
• 46:28
  Speaker 3: protect yourself if something were to happen.
• 46:30
  Speaker 2: When I'm insurances, I did not mean this type of insurance.
• 46:33
  Speaker 3: And this was when I gave my score of a
• 46:36
  Speaker 3: c Cluss's okay coming at yah because I.
• 46:39
  Speaker 2: Haven't set those up yet. And I did look at
• 46:43
  Speaker 2: my superannuation and what I would be entitled to if
• 46:46
  Speaker 2: something went wrong, and it is very, very minimal.
• 46:48
  Speaker 3: It's not nearly enough to cover.
• 46:50
  Speaker 2: No, no, not even a little bit. And I remember
• 46:54
  Speaker 2: listening to a money diary recently where they had ghosted
• 46:57
  Speaker 2: Skywald and that was.
• 46:58
  Speaker 3: Me, like, I was, oh, you've also ghosted sky Wealth.
• 47:02
  Speaker 3: Well lucky, this is anonymous. I won't tell Phil if you.
• 47:05
  Speaker 2: Don't, sorry, I will. I will when I go back
• 47:07
  Speaker 2: to work, I will go back to that conversation and
• 47:11
  Speaker 2: call them back. I'm sure I'll be happy to hear
• 47:13
  Speaker 2: from me again.
• 47:14
  Speaker 3: If you would like to feel a little bit better
• 47:16
  Speaker 3: about this. And this is maybe me admitting something that
• 47:20
  Speaker 3: I shouldn't, but also sorry relatable. Phil is currently chasing
• 47:24
  Speaker 3: me to do my insurances and it has gotten to
• 47:27
  Speaker 3: the point where Phil is messaging my husband and he
• 47:31
  Speaker 3: says literally word for word, He's like, hey, Steve, I
• 47:34
  Speaker 3: know Victoria is the problem here. Can we please lock
• 47:37
  Speaker 3: in a time to update insurances because I obviously have
• 47:41
  Speaker 3: all my insurances, but since giving birth to Cami. I
• 47:44
  Speaker 3: haven't updated them again and I really need to, but
• 47:47
  Speaker 3: it keeps being dropped back down to the bottom of
• 47:50
  Speaker 3: the list because life right. Yeah, so even I am
• 47:54
  Speaker 3: currently ghosting the sky wealth.
• 47:57
  Speaker 2: Yeah so you know what.
• 47:59
  Speaker 3: The one thing that I like about them is no judgment.
• 48:02
  Speaker 3: I come back and they say, oh, hey, nice to
• 48:04
  Speaker 3: hear from you. Not where have you been?
• 48:06
  Speaker 1: Yeah?
• 48:06
  Speaker 3: Yeah, so shout out to them. But also I maybe
• 48:10
  Speaker 3: MSc as well at the moment for exactly the same
• 48:13
  Speaker 3: reasons my queen.
• 48:15
  Speaker 2: Well, glad we can relate on that.
• 48:18
  Speaker 3: Tell me, let's move on from that, because I think
• 48:20
  Speaker 3: we both have work to do there. Tell me, what
• 48:23
  Speaker 3: do you think your best money habit is.
• 48:25
  Speaker 2: I think my best money habit is now getting caught
• 48:27
  Speaker 2: up in all the pressure around buying the expensive baby
• 48:31
  Speaker 2: things and making those you know, crazy parenting purchases with
• 48:36
  Speaker 2: my first child, Like, I definitely bought all the expensive
• 48:40
  Speaker 2: clothes and I put him hem in swimming lessons at
• 48:42
  Speaker 2: four months of age, thinking that it was going to
• 48:44
  Speaker 2: be in for by one or something.
• 48:46
  Speaker 3: I think he was in thought by one, wasn't it.
• 48:50
  Speaker 2: I'm just like, I don't know why I thought that
• 48:53
  Speaker 2: he needed to start swimming at four months.
• 48:55
  Speaker 3: But anyway, because Australian culture actually pressures you into starting
• 48:59
  Speaker 3: your child four months. That's why, my friend, it has
• 49:02
  Speaker 3: nothing to do with you trying to dictate that narrative,
• 49:05
  Speaker 3: but rather swimming in Australia it's like a cult. Don't
• 49:08
  Speaker 3: get me wrong. I think it's really important for them
• 49:10
  Speaker 3: to understand how to swim. But we didn't put Harvey
• 49:13
  Speaker 3: into swimming until like what he would have been nearly two.
• 49:18
  Speaker 3: And the judgment we got for calling up and being like, hey,
• 49:21
  Speaker 3: here's true, we would like to start swimming lessons because
• 49:24
  Speaker 3: it was the only time that we had so like
• 49:26
  Speaker 3: I got pregnant with Cammi and my husband said, when
• 49:29
  Speaker 3: you go on maternity leave with Cammi, he'll be off too,
• 49:32
  Speaker 3: so that's when we can start swimming lessons. And like,
• 49:34
  Speaker 3: our life just wasn't built to find that time during
• 49:38
  Speaker 3: the week. And as you would know, kids, swimming lessons
• 49:41
  Speaker 3: are during work hours. They're not like practical times for me. Anyway,
• 49:45
  Speaker 3: that's fine. The judgment we got they were like, so
• 49:48
  Speaker 3: what swim class is he transferring from? And I was like,
• 49:51
  Speaker 3: oh no, we've never done it. And they're like never
• 49:53
  Speaker 3: done it, and I was like, WHOA, Okay, I didn't
• 49:56
  Speaker 3: expect this. Swimming in Australia is a cult. Yes, it's
• 49:59
  Speaker 3: important that they learn this skill, but I promise you
• 50:02
  Speaker 3: they don't need it at four months.
• 50:04
  Speaker 2: They do not need it at four months. And I
• 50:06
  Speaker 2: feel sorry recently saying that my son was doing something lessons.
• 50:10
  Speaker 2: At second time round, I've learned my lessons. Facebook Marketplace
• 50:16
  Speaker 2: has become my best friends.
• 50:17
  Speaker 3: So how good is it? I just bought a new
• 50:19
  Speaker 3: cot on it and it was like less than a
• 50:22
  Speaker 3: quarter of the price of what it was brand new.
• 50:25
  Speaker 2: Yes, my daughter doesn't wear any country road or sea jumpers.
• 50:29
  Speaker 2: I've been able to borrow all the big ticket items
• 50:32
  Speaker 2: from friends, so thank you rich friends, Like I've got
• 50:35
  Speaker 2: the cot, the pram, the that's mat all from iconic Adore. Yes,
• 50:40
  Speaker 2: and I think I spent like three hundred dollars on
• 50:43
  Speaker 2: my son's first birthday cake.
• 50:44
  Speaker 3: Three hundred dollars that is a lot on a first
• 50:46
  Speaker 3: birthday cake. But again no judgment, probably elite.
• 50:49
  Speaker 2: Look it tasted really good and it looks really good.
• 50:52
  Speaker 2: But this time around, I've been looking at TikTok videos
• 50:56
  Speaker 2: and the worst mid caakep yep, iconic, that's actually genie.
• 50:59
  Speaker 2: It'll beish I have.
• 51:00
  Speaker 3: Actually, this is I think a money win for our household.
• 51:03
  Speaker 3: I told my husband you are always going to be
• 51:06
  Speaker 3: in charge of our children's cakes because two things are
• 51:09
  Speaker 3: going to happen there. One, we're not going to buy cakes,
• 51:11
  Speaker 3: so money win. But two, if they look terrible, I
• 51:14
  Speaker 3: can be like, oh, isn't it so wholesome? My husband
• 51:17
  Speaker 3: does it, Whereas if it was me that was making
• 51:19
  Speaker 3: it and it didn't look good, i'd, you know, kind
• 51:21
  Speaker 3: of probably run to the shops and get a replacement.
• 51:26
  Speaker 3: So I think it's this genius honestly stacks, it's a
• 51:28
  Speaker 3: convenience tacks. It is, oh my goodness.
• 51:31
  Speaker 2: All right.
• 51:31
  Speaker 3: On the flip side, what's your worst money habit?
• 51:33
  Speaker 2: This is going to sound really niche, but I just
• 51:35
  Speaker 2: love buying a six hundred mele coke zero from petrol station,
• 51:39
  Speaker 2: even though it is five dollars eighty and I know
• 51:42
  Speaker 2: that I just glad it. Yeah, I just spent fifteen minutes.
• 51:45
  Speaker 2: I could get a ninety four cent can at horror,
• 51:48
  Speaker 2: But no, it's.
• 51:49
  Speaker 3: Just not the same.
• 51:50
  Speaker 2: It's not the same.
• 51:51
  Speaker 3: I'm a diet coke girly and like in my head,
• 51:55
  Speaker 3: there's a hierarchy of coke, right, So like I think
• 51:58
  Speaker 3: you're crazy because I hate cokesy. I can tell the difference.
• 52:02
  Speaker 3: Like diet coke is to me, the elite diet coke
• 52:05
  Speaker 3: in two liter bottles. To me, that's like drinking like
• 52:08
  Speaker 3: ikin it to milk that's uht milk, Like that's maybe
• 52:12
  Speaker 3: powdered milk. Coke in a can that's like pretty fresh.
• 52:16
  Speaker 3: But coke in these little skinny cans, the tiny little
• 52:19
  Speaker 3: skinny cans, that's fresh, that's straight from the cow, Like
• 52:23
  Speaker 3: that is elite level crispy.
• 52:26
  Speaker 2: Well, I think you're actually the normal one because I
• 52:28
  Speaker 2: recently learnch that diet coke was created for women and
• 52:33
  Speaker 2: coke zero with like more for the men.
• 52:37
  Speaker 3: Yeah, I didn't know this was a thing.
• 52:40
  Speaker 2: It's a thing.
• 52:41
  Speaker 3: I think it's just the preservative or like the fake
• 52:43
  Speaker 3: sugar in it. Like I feel like to me and
• 52:45
  Speaker 3: everybody at work, things, I'm insane. They're not wrong, but
• 52:48
  Speaker 3: it's not about the coke. I think coke zero has
• 52:51
  Speaker 3: a terrible after taste that I can taste for ages,
• 52:54
  Speaker 3: and diet coke does not. So the drinking experience for
• 52:57
  Speaker 3: me exactly the same, but the after taste. I can't
• 53:01
  Speaker 3: deal with coat ziero after taste?
• 53:02
  Speaker 1: What is that?
• 53:03
  Speaker 3: Why would you want that?
• 53:05
  Speaker 2: Well, don't come at me. But apparently the diet coke,
• 53:08
  Speaker 2: the term diet makes it more appealing for women, and
• 53:12
  Speaker 2: the flavor of coat zero is more appealing for men.
• 53:15
  Speaker 3: Yeah, okay, so I'm still inherently toxic when I'm trying
• 53:18
  Speaker 3: not to be. I love it.
• 53:19
  Speaker 2: I love that for me.
• 53:20
  Speaker 3: Let's leave that there. Money Diarist, at the start of
• 53:23
  Speaker 3: the show, you said, I reckon, I've seen minus. You've
• 53:27
  Speaker 3: been through so much. You have been through the absolute
• 53:30
  Speaker 3: ringer like and we've had a really long chat and
• 53:33
  Speaker 3: I'm so grateful for it. But like, you've seen money
• 53:36
  Speaker 3: at both extremes, very wealthy and then not even scraping
• 53:40
  Speaker 3: by having the gaps cut off and being loaded up
• 53:44
  Speaker 3: with that as a child, which feels even heavier, but
• 53:47
  Speaker 3: then canceling a wedding and then meeting the love of
• 53:50
  Speaker 3: your life and having two babies, like my queen, you
• 53:54
  Speaker 3: have a mortgage, you have a house. You seem to
• 53:56
  Speaker 3: be the type of person that is grateful for what
• 53:58
  Speaker 3: you already have at home, and that is really hard
• 54:00
  Speaker 3: to achieve. Do you really think that the person I've
• 54:03
  Speaker 3: just done a whole, nearly hours long money diary with
• 54:06
  Speaker 3: is a C minus? Like, is that really what that
• 54:08
  Speaker 3: person is? I know she hasn't got her personal insurances sorted,
• 54:11
  Speaker 3: but like, that's not like that many grades.
• 54:13
  Speaker 2: Yeah, Look, we're going to stick with that. I'm stilling
• 54:16
  Speaker 2: my learning.
• 54:16
  Speaker 3: And growing bathe and I love it. You can keep it.
• 54:19
  Speaker 2: I'll come back to you when it's an age.
• 54:21
  Speaker 3: I might not agree with you, but that is okay.
• 54:23
  Speaker 3: I just think you're doing so well, and I'm so
• 54:25
  Speaker 3: proud of you. And I'm really grateful to your friend
• 54:27
  Speaker 3: who introduced you to the She's on the Money community,
• 54:29
  Speaker 3: because now I feel like I have another friend.
• 54:31
  Speaker 2: So thank you, thank you, No, thank you so much,
• 54:33
  Speaker 2: and thank you for this community, because yeah, I'd be
• 54:36
  Speaker 2: in a much worse opposition if I hadn't discovered this
• 54:40
  Speaker 2: potaut I'm obsessed.
• 54:41
  Speaker 3: Thank you for sharing your story. It was genuinely such
• 54:44
  Speaker 3: a privilege. Thank you.
• 54:51
  Speaker 4: The advice shared on She's on the Money is general
• 54:53
  Speaker 4: in nature and does not consider your individual circumstances.
• 54:57
  Speaker 3: She's on the Money exists purely for educational per purposes
• 55:00
  Speaker 3: and should not be relied upon to make an investment
• 55:03
  Speaker 3: or financial decision. If you do choose to buy a
• 55:05
  Speaker 3: financial product.
• 55:06
  Speaker 4: Read the PDS TMD and obtain appropriate financial.
• 55:09
  Speaker 3: Advice tailored towards your needs.
• 55:12
  Speaker 4: Victoria Divine and She's on the Money are authorized representatives
• 55:16
  Speaker 4: of Money sherper P t y lt D A b
• 55:18
  Speaker 4: N three two one six four nine two seven seven
• 55:21
  Speaker 4: zero eight AFSL four five one two eight nine