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FRIDAY DRINKS: Pandemic Office Politics · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.
• 0:23
  Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
• 0:27
  Speaker 1: the storytelling of you to make a difference for today
• 0:31
  Speaker 1: and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it. She's on the Money. She's on
• 0:37
  Speaker 2: the Money. Hello, and welcome to She's on the the
• 1:00
  Speaker 2: podcast for millennials who want financial freedom. Today, my friends,
• 1:04
  Speaker 2: is Friday, which means it is time to sit back
• 1:06
  Speaker 2: with our friends with a bev in hand, to unpack
• 1:08
  Speaker 2: our favorite moments of the week, and of course, to
• 1:11
  Speaker 2: celebrate you, our incredible cheese on the Money community. As always,
• 1:15
  Speaker 2: we're going to be sharing our favorite money wins, We're
• 1:17
  Speaker 2: going to be discussing what's making news in the finance world,
• 1:20
  Speaker 2: and we're going to help answer another one of our
• 1:22
  Speaker 2: juicy money questions, which This week is all about celebrating
• 1:25
  Speaker 2: this more wins, which we are all about here at
• 1:27
  Speaker 2: Cheese on the Money. But first, as always, it is
• 1:30
  Speaker 2: time to recap the week that was. Miss Jesse Gotachi,
• 1:33
  Speaker 2: can you talk to us about our Monday Money diary.
• 1:35
  Speaker 3: Yeah.
• 1:36
  Speaker 4: So this weeks dirist self described themselves as live in
• 1:39
  Speaker 4: LaVita Limbo, which like really just got me for fie
• 1:41
  Speaker 4: and a sinker. I was like, oh my god, that's
• 1:44
  Speaker 4: ten out of ten for a title.
• 1:45
  Speaker 2: It was a tongue twister though, like even when we
• 1:47
  Speaker 2: were recording and I was like thinking about it before
• 1:49
  Speaker 2: I said it, because I was like, I'm gonna get
• 1:51
  Speaker 2: this wrong, and I think I did in that episode
• 1:52
  Speaker 2: a few times. But y'all.
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  Speaker 4: Yeah, So it was a really great way of describing
• 1:57
  Speaker 4: something that I think a lot of us can relate to.
• 1:59
  Speaker 4: And she was saying that she had kind of hit
• 2:01
  Speaker 4: autopilot on her life a little bit. She felt like
• 2:03
  Speaker 4: she was doing the same things and not really achieving
• 2:06
  Speaker 4: any progress on a few different kind of facets of
• 2:10
  Speaker 4: her life. And I think that I really related to
• 2:12
  Speaker 4: that because I've definitely experienced that in the past. We
• 2:15
  Speaker 4: kind of just feel a bit stuck you're like, oh,
• 2:17
  Speaker 4: like I can kind of see what I should do,
• 2:19
  Speaker 4: but I don't know what I should do. And she
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  Speaker 4: was feeling this in regards to her finances but also
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  Speaker 4: her career and her life, and I think it really
• 2:26
  Speaker 4: can kind of bleed across. And so it was a
• 2:28
  Speaker 4: really good, really relatable chat. I felt like that. I
• 2:31
  Speaker 4: think a lot of people will enjoy.
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  Speaker 2: I think it was well timed because Jess, you would
• 2:35
  Speaker 2: have seen this as well. But there's just lots of
• 2:37
  Speaker 2: messages coming in via our Instagram dms or our Facebook
• 2:41
  Speaker 2: dms of people being like I'm feeling a bit stuck
• 2:43
  Speaker 2: or I'm having like a quarter life crisis, or what's
• 2:46
  Speaker 2: this or what's that? And I feel like when you're
• 2:49
  Speaker 2: going through that, you just look at everybody else around
• 2:52
  Speaker 2: you and assume they've got their stuff together. Like I
• 2:54
  Speaker 2: would look at you, Jess and be like, oh far out,
• 2:56
  Speaker 2: like she's doing so well, she's one of my girlfriends.
• 2:58
  Speaker 2: I feel like we never see the behind the scenes
• 3:00
  Speaker 2: of that, even though Jess, you might be feeling a
• 3:03
  Speaker 2: little bit like you're in limbo. So I think it's
• 3:05
  Speaker 2: such a good chat to have because it just puts
• 3:07
  Speaker 2: things in perspective that we're never really going through financial
• 3:11
  Speaker 2: troubles on our own. There's always someone going through something
• 3:14
  Speaker 2: really similar, and that's I guess the beauty of the
• 3:16
  Speaker 2: Shehes on the Money community. Georgia King, Hello, Wednesday's deep Dive.
• 3:21
  Speaker 2: What did we do and how did we do it?
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  Speaker 3: We did a big fat Q and a all about insurances.
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  Speaker 2: That sounds terrible, It was good, my friend.
• 3:30
  Speaker 3: So we picked and chose from the community, so we
• 3:33
  Speaker 3: were answering your questions and we spoke about everything from
• 3:37
  Speaker 3: the insurances tied up in super to income insurance. We
• 3:41
  Speaker 3: had so many more questions to get to, but we
• 3:43
  Speaker 3: were like, we need to put a pin in it
• 3:44
  Speaker 3: because this has been going for like forty minutes, so
• 3:46
  Speaker 3: we had to stop ourselves. But it was super interesting
• 3:49
  Speaker 3: and there will hopefully be a part two coming later
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  Speaker 3: on in the year. So if you do have more
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  Speaker 3: insurance questions, please send them our way and we will
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  Speaker 3: try and answer them in a later episode.
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  Speaker 2: Yay, I loved as much as I said, it sounds terrible,
• 4:02
  Speaker 2: sounds dry, but I feel like it became a really
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  Speaker 2: well rounded conversation about insurance and the need for it
• 4:06
  Speaker 2: and how it works and what it means, because so
• 4:08
  Speaker 2: many of us are just confused by it still, so
• 4:10
  Speaker 2: there's probably more coming. There's more stuff coming. But Georgia King,
• 4:15
  Speaker 2: it is time for you to share some of our budget.
• 4:17
  Speaker 2: Direct money wins have you got for us? We've got
• 4:19
  Speaker 2: some money wins. I've got some money losses. I've got
• 4:21
  Speaker 2: some money PSA's ladies, let's start straight in the first one.
• 4:26
  Speaker 2: It comes from Jane money Win. I got to work
• 4:28
  Speaker 2: this morning to be told we're all getting a two
• 4:31
  Speaker 2: thousand dollars bonus. Say, how good is that, Fia? Do
• 4:36
  Speaker 2: we know what it was for? Just just just just
• 4:39
  Speaker 2: being nice human? Is that thing?
• 4:41
  Speaker 3: Oh?
• 4:42
  Speaker 2: I mean I've really experienced it. Ah, But I'm going
• 4:45
  Speaker 2: to believe our money dire one hundred percent.
• 4:47
  Speaker 3: Well done, Jane. The next win comes from Kimberly money Win.
• 4:50
  Speaker 3: I desperately needed a new laptop for Uni Slash work.
• 4:54
  Speaker 3: I went to buy the one I've been saving for
• 4:56
  Speaker 3: two weeks ago, but I decided to wait until I
• 4:58
  Speaker 3: had a little bit more in my savings account. It
• 5:00
  Speaker 3: was on sale this week from two thousand dollars down
• 5:03
  Speaker 3: to one thousand, three hundred and ninety dollars. That's actually
• 5:06
  Speaker 3: so good, massive, well done, Kimberly. The next thing comes
• 5:10
  Speaker 3: from Cat Money Win. I'm currently on matt leaves, so
• 5:13
  Speaker 3: decided last week to go through my wardrobe and do
• 5:15
  Speaker 3: a cull of the I'll fit into it one day clothes.
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  Speaker 2: We don't stand for those. They make you feel ten exactly.
• 5:21
  Speaker 3: Get rid of them, ladies, And also the items she
• 5:24
  Speaker 3: hasn't worn since moving towns almost two years ago. These
• 5:27
  Speaker 3: items went up on Facebook marketplace, along with some other
• 5:30
  Speaker 3: things we no longer use. I'm now a couple of
• 5:32
  Speaker 3: one hundred dollars richer with a clearer wardrobe and house,
• 5:35
  Speaker 3: which we love.
• 5:37
  Speaker 2: Cat.
• 5:38
  Speaker 3: The next one is a loss and it comes from
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  Speaker 3: Laura Money Loss. Going to Splendor, Oh Splender, splendor in
• 5:48
  Speaker 3: the mud.
• 5:48
  Speaker 2: How was that content, ladies? Oh look, I'm not a
• 5:51
  Speaker 2: festival gal at the best of time, but I was
• 5:53
  Speaker 2: sitting at home or my high horse, watching everyone's TikTok's
• 5:56
  Speaker 2: going yack, yuck, yuck.
• 5:59
  Speaker 4: All the girly who spent money on cute outfix to
• 6:02
  Speaker 4: then ruin them.
• 6:03
  Speaker 2: Oh my gosh, Yes, I saw Brook Perry actually at
• 6:07
  Speaker 2: Splendor in the grass or are we calling it splendor
• 6:09
  Speaker 2: in the mud? And she was wearing a gorgeous It
• 6:11
  Speaker 2: was like a sports girl outfit because she was posting
• 6:13
  Speaker 2: it and tagging it. She had these like tall cowboy
• 6:16
  Speaker 2: boots that were white. Oh my gosh, they look horrendous.
• 6:19
  Speaker 2: I'm like, oh, I hope that's not a brand collaboration
• 6:22
  Speaker 2: because they're actually ruined. But it did look like she
• 6:26
  Speaker 2: had fun, so.
• 6:28
  Speaker 3: I mean, it would have been memorable if nothing else.
• 6:30
  Speaker 2: Oh, do you think that they'll get refunds on part
• 6:32
  Speaker 2: of their tickets? I know, Oh, I don't know how
• 6:34
  Speaker 2: it works, because then I feel a little bit awkward
• 6:36
  Speaker 2: because there's obviously vendors that went they needed to be paid,
• 6:39
  Speaker 2: and like, oh, I feel like it's just actually a
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  Speaker 2: money loss for us individually all around.
• 6:44
  Speaker 3: All right, let's move on though, to Courtney money slash Life.
• 6:47
  Speaker 3: When I finally got around to getting my will sorted
• 6:50
  Speaker 3: so there's less stress for the future, and I also
• 6:52
  Speaker 3: did my tax return for the first time without the
• 6:54
  Speaker 3: help from an accountant.
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  Speaker 2: What a queen.
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  Speaker 3: I saved the fees and I got a healthy return,
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  Speaker 3: plus I put one hundred percent of it into my
• 7:01
  Speaker 3: savings for the first time ever.
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  Speaker 2: We love it that huge.
• 7:05
  Speaker 3: Here's the money loss slash Persa Ladies that comes from
• 7:09
  Speaker 3: Hailey money loss. I bought two apples on the way
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  Speaker 3: to Netbull forgetting that we were going to enter a
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  Speaker 3: fruit fly exclusion zone.
• 7:17
  Speaker 2: Just my luck.
• 7:18
  Speaker 3: The fruit fly police pulled us over and gave me
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  Speaker 3: a whopping.
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  Speaker 2: Four hundred fine.
• 7:24
  Speaker 3: This is what happens when I make an effort to
• 7:26
  Speaker 3: eat healthily. What is this fruit fly exclusion zone situation?
• 7:30
  Speaker 3: Where are we located in the world.
• 7:33
  Speaker 2: It's borders.
• 7:33
  Speaker 4: So if you're driving between the borders of certain states,
• 7:36
  Speaker 4: so I think you get cross. I want to say
• 7:39
  Speaker 4: up towards Aubrey. That could be very incorrect.
• 7:43
  Speaker 2: I feel like when I've driven up to Queensland way
• 7:45
  Speaker 2: back in the day, they were like signs and stuff
• 7:48
  Speaker 2: that said like fruit fly zone or something. You can't
• 7:50
  Speaker 2: have produce.
• 7:51
  Speaker 4: It's just stop the contamination of got caught produce going
• 7:55
  Speaker 4: from one place together and yeah, if there's I guess
• 7:57
  Speaker 4: I didn't know they had people policing. I thought it
• 7:59
  Speaker 4: was like self police to do the right thing type situation.
• 8:02
  Speaker 4: But that's that's rough.
• 8:04
  Speaker 1: It's rough.
• 8:05
  Speaker 3: It's kind of funny. But Hailey, I hope you're okay.
• 8:08
  Speaker 2: Sorry to the loties and chocolate right, yeah, exactly. That
• 8:13
  Speaker 2: was a really expensive couple of apples.
• 8:16
  Speaker 3: The next one is a loss, but it made me laugh.
• 8:18
  Speaker 3: It comes from ebony money loss. I'm having a baby tomorrow.
• 8:24
  Speaker 2: Whenever.
• 8:25
  Speaker 3: That's what she wrote, and so that was hilarious. The
• 8:27
  Speaker 3: baby will be born now. Cong congratulation.
• 8:31
  Speaker 2: Loss, very exactly, and arguably you've already been spending money
• 8:36
  Speaker 2: on it, so it's not tomorrow that that's happening.
• 8:39
  Speaker 3: The final win of today comes from angely. It is
• 8:42
  Speaker 3: a wholesome, one money win. I purchased the Budgeting and
• 8:45
  Speaker 3: cash Flow master Class over the weekend and I finished
• 8:48
  Speaker 3: it on the weekend because I'm a crazy person. I
• 8:52
  Speaker 3: feel like I've prioritized my values, given every dollar a job,
• 8:55
  Speaker 3: and I've created a realistic budget that won't have me
• 8:58
  Speaker 3: borrowing money from others, sinking funds or savings, constantly feeling
• 9:02
  Speaker 3: it's super.
• 9:02
  Speaker 2: Undefeated right now, Oh my gosh, no, I love that.
• 9:05
  Speaker 2: And she's probably not listening to this episode because if
• 9:08
  Speaker 2: you've done the budget cash Flow Masterclass, guarantee, you're probably
• 9:11
  Speaker 2: sick of my voice. Why now, but I might go
• 9:13
  Speaker 2: and comment on that. Congratulate her anyway, all right, ge King,
• 9:16
  Speaker 2: It has been so good celebrating some of your budget
• 9:19
  Speaker 2: direct money wins. Budget Direct winner of can Stars Insurer
• 9:22
  Speaker 2: of the Year Award twenty twenty two. Budget Direct Insurance solved.
• 9:27
  Speaker 2: And with that, my friends, let's go to a very
• 9:29
  Speaker 2: quick break, and after the break, we are going to
• 9:32
  Speaker 2: talk juicy money questions and what's going on in the
• 9:35
  Speaker 2: media cycle.
• 9:35
  Speaker 4: Don't go anywhere, all right, I have one. It's going
• 9:43
  Speaker 4: to get the gals rolled up. I can already feel it.
• 9:46
  Speaker 4: Show the content piece this week. I wast it spicy.
• 9:49
  Speaker 4: It is a little bit. I think it feeds into
• 9:51
  Speaker 4: a really good broader conversation though. So I want to
• 9:54
  Speaker 4: talk about our friend Elon Musk, what a guy. Not
• 9:57
  Speaker 4: about Twitter and the absolute model that that whole thing
• 10:01
  Speaker 4: has become, but actually about a comment he made recently
• 10:05
  Speaker 4: in the media regarding working from home.
• 10:07
  Speaker 2: And it wasn't even a comment he made. It was leaked.
• 10:09
  Speaker 2: It was a sneaky media.
• 10:11
  Speaker 4: Yes, that's right, And it was around the rules that
• 10:14
  Speaker 4: are applicable to Tesla employees. He said, everyone at Tesla
• 10:18
  Speaker 4: is required to spend a minimum of forty hours in
• 10:20
  Speaker 4: the office per week.
• 10:21
  Speaker 2: If you don't show up, we will assume.
• 10:23
  Speaker 4: You have resigned and he sent that out in bulk
• 10:27
  Speaker 4: to his employees. So, I mean, I have so many
• 10:31
  Speaker 4: thoughts on this, but I thought it fed really interestingly
• 10:33
  Speaker 4: into the broader conversation because a lot of workplaces have
• 10:37
  Speaker 4: shifted to a hybrid or a fully remote approach, and
• 10:40
  Speaker 4: there is calls from employees who are kind of demanding
• 10:44
  Speaker 4: flexibility that has never been tabled as an option before.
• 10:47
  Speaker 4: And there's some interesting reports coming out from people, particularly women,
• 10:51
  Speaker 4: around the impacts that this may have on them and
• 10:54
  Speaker 4: their careers and the expectations of employers.
• 10:57
  Speaker 2: And I just thought it could be kind of a.
• 10:59
  Speaker 4: Fun chat because the three of us kind of come
• 11:01
  Speaker 4: from different perspectives, with an employer, an employee, and a freelancer.
• 11:04
  Speaker 2: So, you know, I think, Jess, I have tried so
• 11:09
  Speaker 2: hard not to jump in here, but I want to
• 11:10
  Speaker 2: hear your thoughts first. As an employer, I have thoughts,
• 11:14
  Speaker 2: but I don't think I'm that traditional. So Georgia King,
• 11:17
  Speaker 2: how do you feel about that?
• 11:18
  Speaker 3: I want to fight elan. Look, if I worked at Tesla,
• 11:25
  Speaker 3: I would have yeated by now I did. I adore
• 11:29
  Speaker 3: working from home. I really enjoyed the hybrid model. I
• 11:33
  Speaker 3: love going into work a couple of days a week
• 11:35
  Speaker 3: seeing my colleagues, but I love the freedom that working
• 11:39
  Speaker 3: from home provides. I find I'm more productive than ever.
• 11:44
  Speaker 3: Not having to do the commute is just a life
• 11:46
  Speaker 3: change changer, and I think this year has just been
• 11:50
  Speaker 3: like I am genuinely so much happier for having this
• 11:53
  Speaker 3: hybrid model. And it's different to last year because it's
• 11:55
  Speaker 3: not just home one hundred percent of the time, being
• 11:58
  Speaker 3: able to go to the office when it's soon too.
• 12:00
  Speaker 3: It's really working for me. So yeah, I do not
• 12:03
  Speaker 3: agree with Elon at all, but I do understand that businesses,
• 12:09
  Speaker 3: you know, we've gotten to this stage in the pandemic
• 12:11
  Speaker 3: where it is now up to them to decide what
• 12:13
  Speaker 3: they want their employees to do. I don't think he's
• 12:16
  Speaker 3: making the right call, but I understand why businesses are
• 12:21
  Speaker 3: making these calls, if that makes sense.
• 12:23
  Speaker 2: Yeah, I don't. I don't get it, like I just
• 12:27
  Speaker 2: I cannot resonate with that at all. I guess having
• 12:31
  Speaker 2: come from a very corporate background where people would ask
• 12:36
  Speaker 2: and this was when I was employed, not when I
• 12:38
  Speaker 2: worked for myself. So please don't think this was my
• 12:40
  Speaker 2: team by any stretch of the imagination. But I remember
• 12:43
  Speaker 2: people in my team asking for flexible work hours, or
• 12:46
  Speaker 2: they'd say, oh, hey, like i'd love to be able
• 12:48
  Speaker 2: to drop my kid at daycare. My husband does it
• 12:50
  Speaker 2: all the time or whatever. Can I come in at
• 12:52
  Speaker 2: like nine point thirty in the mornings, And like in
• 12:55
  Speaker 2: my head, I'm like, yeah, okay, why not, Like that
• 12:57
  Speaker 2: makes sense? Like and I feel like off, and especially women,
• 13:01
  Speaker 2: And I guess this is what this podcast is like
• 13:04
  Speaker 2: predominantly made up of. Is like our teams, women, and
• 13:06
  Speaker 2: our community are mostly women. I don't want people to
• 13:09
  Speaker 2: assume that that means we're only talking to him anyway,
• 13:12
  Speaker 2: going on, I feel like women are far more likely
• 13:15
  Speaker 2: to compromise when they're asking for work life balance, Like
• 13:17
  Speaker 2: they're more likely to be like, oh, oh, come in
• 13:19
  Speaker 2: at nine point thirty because I want to drop my
• 13:21
  Speaker 2: kid at daycare, but I won't take a break and
• 13:23
  Speaker 2: I'll work an extra hour, Like that's not how it works,
• 13:26
  Speaker 2: Like we'men to have flexible work hours, so yeah, make
• 13:28
  Speaker 2: it up, Like I think that that's important, But like
• 13:31
  Speaker 2: often we're more than likely to offer something else because
• 13:34
  Speaker 2: we think we're being some kind of burden by asking that,
• 13:36
  Speaker 2: when in reality, that's not the case, so we need
• 13:39
  Speaker 2: to cut that out. But I remember just being so
• 13:41
  Speaker 2: baffled at the executive's decisions. They'd be like, NA, we
• 13:44
  Speaker 2: don't offer that because if we offer it to you,
• 13:46
  Speaker 2: then other people will expect that. And I was like, okay,
• 13:50
  Speaker 2: then other people will expect that. But the confusion from
• 13:54
  Speaker 2: my perspective, comes from I guess productivity and you know,
• 13:57
  Speaker 2: let's be honest. If you're a hairdresser, you can't usually
• 14:00
  Speaker 2: work from home, Like you can't be like, oh, zoom
• 14:02
  Speaker 2: in to my meetings, Like that's not going to work.
• 14:05
  Speaker 2: There are some roles where you do have to be
• 14:07
  Speaker 2: in person, because you might be a service provider, or
• 14:09
  Speaker 2: you might work in retail, or it might be a
• 14:12
  Speaker 2: very specific office job that can only be carried out
• 14:16
  Speaker 2: in an office because that's where that is. Maybe it's
• 14:19
  Speaker 2: paper and pen and it's literally getting people to sign
• 14:21
  Speaker 2: things and filing it away. I don't know, but from
• 14:24
  Speaker 2: my perspective, with a team that has done really well
• 14:27
  Speaker 2: over COVID, I just it baffles me to think that
• 14:30
  Speaker 2: we haven't learned from that and people are being so
• 14:33
  Speaker 2: arguably cruel to their employers by not respecting that they
• 14:37
  Speaker 2: have a life outside of their work. I completely agree.
• 14:40
  Speaker 4: I will never in my life work for an employer
• 14:43
  Speaker 4: who won't offer flexible work. And I think that the
• 14:47
  Speaker 4: pandemic was a catalyst for what was already happening in
• 14:50
  Speaker 4: you know, a lot of industries, particularly creative industries, tech
• 14:54
  Speaker 4: industries specifically as well, have been really great about offering
• 14:58
  Speaker 4: these kinds of perks. I think it really comes down
• 15:02
  Speaker 4: to you need to trust your employees to do the
• 15:05
  Speaker 4: right thing. You know, you need to trust that they're
• 15:09
  Speaker 4: telling you what's best for them. Because some people will
• 15:11
  Speaker 4: prefer flexible, some people prefer hybrids. Some people might want
• 15:14
  Speaker 4: to be in the office full time because they like
• 15:16
  Speaker 4: the you know, really strict delineation of work and home,
• 15:20
  Speaker 4: and that's okay. But I think the standard workplace nine
• 15:24
  Speaker 4: to five is firstly set up for a subset of
• 15:27
  Speaker 4: people that the whole rest of the world is structured for,
• 15:30
  Speaker 4: and it's neurotypical middle class people who don't have other responsibilities,
• 15:36
  Speaker 4: and typically men, because they didn't traditionally have caregiving responsibilities.
• 15:40
  Speaker 4: They didn't traditionally have all those sorts of things. And
• 15:43
  Speaker 4: I saw a really interesting article and I can't remember
• 15:46
  Speaker 4: where it was or so forgive me, but it said
• 15:48
  Speaker 4: that men are more eager to return to the office
• 15:50
  Speaker 4: than women because they were finding when they were working
• 15:52
  Speaker 4: from home, they were expected to carry a larger portion
• 15:56
  Speaker 4: of the home, they have to see their kids more,
• 16:01
  Speaker 4: and so I think it has further brought to the forefront,
• 16:05
  Speaker 4: you know, the real divide that still exists in stereotypical
• 16:09
  Speaker 4: gender roles and stereotypical roles in terms of you know,
• 16:12
  Speaker 4: our neurodivergent friends. People have different needs that can be
• 16:16
  Speaker 4: better catered to when you have flexible working options, and
• 16:19
  Speaker 4: beyond that, just better work life balance. Like I have
• 16:22
  Speaker 4: never felt a better sense of balance than when I
• 16:24
  Speaker 4: was working four days a week, when I was working
• 16:26
  Speaker 4: in a warehouse and I was doing physical labor, and
• 16:28
  Speaker 4: I was doing all of these other really exhausting things.
• 16:31
  Speaker 4: But it worked really well for me. And I think
• 16:33
  Speaker 4: we're going to continue to see industry shifting towards remote
• 16:38
  Speaker 4: or flexible, shorter weeks, split weeks, all of these different things.
• 16:43
  Speaker 4: And ultimately, I think as an employer, if your business
• 16:47
  Speaker 4: has the capability to do so, because as you said,
• 16:49
  Speaker 4: surgeons can't really work from home, but if your business
• 16:51
  Speaker 4: has the ability to do so, if you're not providing
• 16:54
  Speaker 4: those options and putting them on the table, you are
• 16:57
  Speaker 4: going to see a significant decline in the quality of
• 17:00
  Speaker 4: candidates applying field one hundred percent because people just actually
• 17:03
  Speaker 4: aren't going to put up with that anymore. Because for
• 17:06
  Speaker 4: too long, I think people have taken and just accepted
• 17:10
  Speaker 4: shitty pay, shitty hours, shitty expectations. And now there are
• 17:14
  Speaker 4: people like us standing up and saying, hey, like, actually
• 17:17
  Speaker 4: that's not good enough and you deserve better. And it's
• 17:19
  Speaker 4: becoming almost a movement where people and you know, you
• 17:23
  Speaker 4: see the boomers talking about gen zt a lot, saying
• 17:26
  Speaker 4: gen zet are lazy, they don't want to do this,
• 17:27
  Speaker 4: they don't want to know. They're actually just telling you
• 17:31
  Speaker 4: that they're not going to take the shitty expectations that
• 17:33
  Speaker 4: you did. And I think that's a great thing.
• 17:36
  Speaker 2: Yeah, And I'm so sick of people saying, oh, but
• 17:38
  Speaker 2: that's how I cut my teeth in the thing. Just no, no, no,
• 17:41
  Speaker 2: this is twenty twenty two. Things are very different. But
• 17:45
  Speaker 2: you brought up a really interesting point, and I'm going
• 17:47
  Speaker 2: to go off on a tiny tangent, but I think
• 17:49
  Speaker 2: it's really relevant, and that's actually about our hormone cycles
• 17:53
  Speaker 2: as men versus women. Right. So you said before, Jess
• 17:56
  Speaker 2: that the standard work day was created to suit men,
• 18:00
  Speaker 2: absolutely correct, because it was established when women were expected
• 18:03
  Speaker 2: to be homemakers and never in the office, and it
• 18:06
  Speaker 2: worked for them to be nine to five Monday to Friday.
• 18:08
  Speaker 2: Like that's how it works, right. But if you compare
• 18:11
  Speaker 2: and contrast, and there was a really good episode I
• 18:13
  Speaker 2: don't know if it's out yet, but it's on the
• 18:15
  Speaker 2: Healthy Shift podcast by our friend Roger, who is in
• 18:19
  Speaker 2: the business Bible community and a very very big advocate
• 18:22
  Speaker 2: of She's on the money, but he was talking about
• 18:25
  Speaker 2: women's circadian rhythms versus men's and none of you are
• 18:29
  Speaker 2: going to be surprised. But men, their hormone cycle peaks
• 18:33
  Speaker 2: once a day, like they operate best nine to five
• 18:37
  Speaker 2: because they wake up they have a massive rush of hormones.
• 18:40
  Speaker 2: That's how it works, and then it tapers off during
• 18:42
  Speaker 2: the day and then by five pm they're all good
• 18:45
  Speaker 2: and ready to come home and ready to relax and
• 18:47
  Speaker 2: go to bed and start that cycle again. You compare
• 18:50
  Speaker 2: it to a woman and nobody is going to be surprised.
• 18:53
  Speaker 2: We work on twenty eight day cycles. You will notice
• 18:56
  Speaker 2: in your body that there are better times during the
• 18:58
  Speaker 2: week that you perform, or at times during your cycle
• 19:01
  Speaker 2: that you're really productive, or you might be a little
• 19:03
  Speaker 2: bit flat here, or you might feel this. All that
• 19:05
  Speaker 2: because our hormones literally work different to men's. And I
• 19:09
  Speaker 2: find it so interesting that we've just defaulted to working
• 19:12
  Speaker 2: to their standards without really having been looked at us.
• 19:16
  Speaker 2: All right, well, how's Jess going to perform best? Jess
• 19:19
  Speaker 2: performs best, honest to God, when she's given freedom, Like
• 19:23
  Speaker 2: I know that about Jess. We're at office that works
• 19:26
  Speaker 2: three days from home, one studio day, one office day,
• 19:29
  Speaker 2: and to be honest, that office day exists purely to
• 19:32
  Speaker 2: connect with the team. It has nothing to do with,
• 19:35
  Speaker 2: oh my gosh, we're more productive. Can we come into
• 19:37
  Speaker 2: the office? Can we do? We're not. We are so
• 19:39
  Speaker 2: much more productive individually. I have adhd I'm a pest.
• 19:43
  Speaker 2: I have not to talk to you. I saw a
• 19:45
  Speaker 2: TikTok the other day about people having lights on their
• 19:47
  Speaker 2: monitors of like read, don't talk to me, orange, only
• 19:51
  Speaker 2: approach me if you ignore respects the light. No, No,
• 19:54
  Speaker 2: I've got no respect. Like I would choose color blindness.
• 19:56
  Speaker 5: I'd be like, hey, Jess, what's up, Like do you
• 19:58
  Speaker 5: want to go.
• 19:58
  Speaker 2: For another coffee?
• 19:59
  Speaker 3: Like that?
• 20:00
  Speaker 2: That to me is also really important in an office
• 20:03
  Speaker 2: environment or a team environment. Right, So I'm not looking
• 20:06
  Speaker 2: at it going like, oh, Jess, I want you to
• 20:07
  Speaker 2: be in the office. I'm looking at it going like, oh, yes,
• 20:09
  Speaker 2: like we have a positive relationship. I'd love to see
• 20:12
  Speaker 2: you once a week because I really get a lot
• 20:14
  Speaker 2: out of, you know, socializing with my team and getting
• 20:17
  Speaker 2: to know them and having those passing conversations of like
• 20:20
  Speaker 2: what's going on in your life? Because you know, when
• 20:22
  Speaker 2: I jump on zoom with Jess often it's like, oh, Jess,
• 20:24
  Speaker 2: all right, ten am, we'll jump on zoom and we'll
• 20:26
  Speaker 2: smash ABCD and e out yeah yeah, and then we
• 20:29
  Speaker 2: jump on in. Jess is like all right, so first
• 20:30
  Speaker 2: gender item. We are very business when we're at home,
• 20:34
  Speaker 2: because I'm very respectful that, oh, Jess, you've got lunch break,
• 20:37
  Speaker 2: like at one o'clock, let's work till one or whatever
• 20:40
  Speaker 2: it is. I just think it's it blows my mind
• 20:43
  Speaker 2: that other employers don't trust their employees, and I think
• 20:46
  Speaker 2: that goes back to their personalities, like looking back at
• 20:50
  Speaker 2: previous bosses, looking back at previous people that I've worked with,
• 20:54
  Speaker 2: like the type of person that, from my perspective obviously
• 20:57
  Speaker 2: very anecdotal, didn't allow how flexible work hours were also
• 21:01
  Speaker 2: the type of boss to micromanage you because they genuinely
• 21:05
  Speaker 2: didn't trust that you could do your job, whereas I
• 21:07
  Speaker 2: would probably sway to the other side and it might
• 21:10
  Speaker 2: not be a good thing, but I just go, all right, Jess,
• 21:13
  Speaker 2: I really trust you. You let me know when you
• 21:15
  Speaker 2: need my help, and I'll check and be like, how
• 21:16
  Speaker 2: you going. You be like, sweet, Yeah, that's it. I
• 21:19
  Speaker 2: think it's just different ways of working. But now people
• 21:22
  Speaker 2: are really demanding in a way good leadership, and I'm
• 21:25
  Speaker 2: not putting myself on a pedestal going I'm a good leader.
• 21:28
  Speaker 2: I'm going. I think people expect this. People expect you
• 21:31
  Speaker 2: to be trusting of your talents and trusting of your
• 21:33
  Speaker 2: ability to learn. And you know, I'm sorry if I'm
• 21:36
  Speaker 2: dominating this conversation. I'm just really passionate about it. But
• 21:39
  Speaker 2: I was having a conversation with someone the other day
• 21:42
  Speaker 2: and it took all my strength not to jump out
• 21:44
  Speaker 2: of the chair and have a very spicy conversation. It
• 21:47
  Speaker 2: was in a group of conversations, so I decided I
• 21:49
  Speaker 2: didn't want to be that guy. But they said, if
• 21:52
  Speaker 2: you want a job, you work from home. If you
• 21:54
  Speaker 2: want a career, you work from the office, and Jess,
• 21:57
  Speaker 2: I feel like I could light a fire whatever you're
• 22:01
  Speaker 2: putting out right. Oh my gosh. I yeah.
• 22:04
  Speaker 4: And that's kind of where these conversations are going, going
• 22:07
  Speaker 4: back to what we were saying earlier about you know,
• 22:09
  Speaker 4: women's career and the furtherman of that and that old
• 22:12
  Speaker 4: school mentality of well, if you're not putting in the hours,
• 22:16
  Speaker 4: if I'm leaving the office at five PM, I clearly
• 22:18
  Speaker 4: don't care about my job, because if I cared, I'd
• 22:20
  Speaker 4: be here to nine.
• 22:21
  Speaker 2: Like it's so.
• 22:23
  Speaker 4: Old school, and it's a real shame to see that
• 22:26
  Speaker 4: it exists so broadly, because I really didn't think that
• 22:28
  Speaker 4: it did. And there's the conversation around, you know, for
• 22:32
  Speaker 4: women particularly, we know that we're less likely to be
• 22:34
  Speaker 4: put forward for advancement or for you know, for the
• 22:37
  Speaker 4: education within the workplace and all those kinds of things,
• 22:39
  Speaker 4: and then people are now having conversations around, oh, well,
• 22:42
  Speaker 4: if I'm working from home, does that mean that gap
• 22:45
  Speaker 4: is going to wide? And even further for me as
• 22:47
  Speaker 4: a female, because now I'm having less touch points that
• 22:52
  Speaker 4: maybe my old school boss thinks that are really important,
• 22:55
  Speaker 4: and he's going, oh, well, she's not dedicated, she doesn't
• 22:57
  Speaker 4: want that next job. I'm going to put timmy in
• 22:59
  Speaker 4: because he's here week. And it's about how do we
• 23:02
  Speaker 4: avoid that, I guess, But how do we also kind
• 23:05
  Speaker 4: of help to shift that mentality because butt in c
• 23:07
  Speaker 4: doesn't equal production, productivity or any of the other things
• 23:12
  Speaker 4: that are so important to having an employee who is
• 23:16
  Speaker 4: great at their job.
• 23:17
  Speaker 2: It gives me the ick. It honestly makes me feel yuck.
• 23:20
  Speaker 2: And you see on I don't know, I watch a
• 23:22
  Speaker 2: lot of TikTok guys. I don't know if we're on
• 23:24
  Speaker 2: the same side of TikTok or not, but I see
• 23:26
  Speaker 2: a lot of employer content inspirational stuff, and they talk
• 23:29
  Speaker 2: about things like, oh my gosh, employees are so much
• 23:32
  Speaker 2: more productive in the office. Prove it, Prove to me
• 23:35
  Speaker 2: that they are. Like we're saying these things, Can you
• 23:37
  Speaker 2: please show me that your employees are more productive in
• 23:39
  Speaker 2: the office. Have you done that research? Like, have you
• 23:41
  Speaker 2: got statistics to show? And I mean it might be
• 23:44
  Speaker 2: very easy in a circumstance where you're a lawyer and
• 23:47
  Speaker 2: you charge every seven minutes, and you can unequivocally go
• 23:50
  Speaker 2: to a spreadsheet and say, Okay, Jesse is more productive
• 23:53
  Speaker 2: in the office. And I think that's a very fair conversation.
• 23:56
  Speaker 2: If I could sit down with you, let's use you
• 23:58
  Speaker 2: as an example just and be like, hey, look, look
• 24:00
  Speaker 2: here's your productivity when you're in the office versus out
• 24:02
  Speaker 2: of the office. See why I might want you in
• 24:04
  Speaker 2: the office. And you go, yeah, okay, no problems. However,
• 24:07
  Speaker 2: that's not the case in my circumstance, and I think
• 24:10
  Speaker 2: that's not the case in a lot of people circumstances.
• 24:12
  Speaker 2: They're just not willing to look at the fact because
• 24:14
  Speaker 2: it makes them uncomfortable. People don't like change, people like control,
• 24:19
  Speaker 2: and a lot of people who you know are in
• 24:21
  Speaker 2: management positions love control. Please don't get me wrong, I
• 24:25
  Speaker 2: do too. I'm very controlling of my circumstances. But I
• 24:29
  Speaker 2: think you need to see it from both perspectives. I
• 24:32
  Speaker 2: know that as a small employer, one of the best
• 24:35
  Speaker 2: selling points I have is my ability to be flexible. Like, great,
• 24:39
  Speaker 2: you're a working mom, fantastic, Great you want to work
• 24:41
  Speaker 2: part time? Great, let's try and make that a job share.
• 24:44
  Speaker 2: I'm looking for the right people for my organization, and
• 24:47
  Speaker 2: I would hope that they're trying to match with me
• 24:49
  Speaker 2: because they're the right people to work with us, and
• 24:52
  Speaker 2: I respect that. However, a lot of bigger employers go, oh, well,
• 24:55
  Speaker 2: we are a big employer, we have the label, we
• 24:58
  Speaker 2: have the name, we can do whatever we want. And
• 25:00
  Speaker 2: that just gives me the hick guys.
• 25:02
  Speaker 3: Well, that's what I was going to touch on next, fee, Like,
• 25:05
  Speaker 3: is there a difference between the way that small businesses
• 25:08
  Speaker 3: run and the way bigger businesses run. Perhaps when you have,
• 25:11
  Speaker 3: you know, hundreds of employees, it's easier just to slap
• 25:14
  Speaker 3: this blanket rule down and so you have to be
• 25:16
  Speaker 3: in forty hours a week, otherwise you don't work here anymore.
• 25:20
  Speaker 3: Like is that can you kind of empathize.
• 25:23
  Speaker 2: With that or is it just look I guess to
• 25:26
  Speaker 2: play devil's advocate here during COVID particularly and coming out
• 25:31
  Speaker 2: of COVID and talking just in friendship groups and seeing
• 25:35
  Speaker 2: what's going on, like, yeah, there are a lot of
• 25:37
  Speaker 2: employees taking the absolute mickey, like they are doing the
• 25:40
  Speaker 2: bare minimum to do their job. And I think that
• 25:42
  Speaker 2: that is hard because it reflects badly on other people
• 25:46
  Speaker 2: who are super productive at work from home, and it
• 25:49
  Speaker 2: kind of like spoils it for the rest of us.
• 25:51
  Speaker 2: Don't get me wrong, we're acknowledging that people do take
• 25:54
  Speaker 2: the mickey. I mean, how many TikTok videos have you
• 25:56
  Speaker 2: guys seen? Probably not you, George, because you're never on
• 25:58
  Speaker 2: social but people setting up those mouse mover things so
• 26:02
  Speaker 2: they always look like, do you.
• 26:03
  Speaker 1: Know what I mean?
• 26:04
  Speaker 4: I don't have the time to do that best.
• 26:07
  Speaker 2: But they set up these mouse mover things to move
• 26:09
  Speaker 2: their mouse around so that they always look present on
• 26:12
  Speaker 2: Slack or on like Microsoft Teams Aware, so you don't
• 26:15
  Speaker 2: look like you're away from your desk. And that's either
• 26:18
  Speaker 2: super toxic because you should be taking breaks, or you're
• 26:21
  Speaker 2: probably slacking a little bit, and that's fine, but that's
• 26:24
  Speaker 2: what's spoiling it for the rest of us. And I
• 26:26
  Speaker 2: think that's where big businesses actually owe their employees. They're
• 26:30
  Speaker 2: not privilege, but the grace of not seeing them as
• 26:32
  Speaker 2: a number, you're actually seeing them as Georgia and looking
• 26:35
  Speaker 2: at Georgia and going Georgia, how are you working from home?
• 26:38
  Speaker 2: How is this working? And then having a really honest
• 26:41
  Speaker 2: conversation with you. If you're not that productive, Hey, Georgia,
• 26:45
  Speaker 2: you're not producing the same amount of output or the
• 26:47
  Speaker 2: output that we would anticipate. How about you come into
• 26:50
  Speaker 2: the office and try that out for a while and
• 26:51
  Speaker 2: see if that fixes it. Because at the end of
• 26:53
  Speaker 2: the day, if then coming into the office doesn't fix
• 26:56
  Speaker 2: that output problem, the problem could be with the employee,
• 26:59
  Speaker 2: and we actually need talk about whether they're the right
• 27:01
  Speaker 2: fit for the role, not necessarily whether they're slacking or not. Like,
• 27:05
  Speaker 2: I think it's just really unfair to put blanket rules
• 27:07
  Speaker 2: in place in saying that, Like, let's think about cheese
• 27:10
  Speaker 2: on the money. Imagine if we had a thousand employees
• 27:12
  Speaker 2: and we consistently saw people just slacking, I think you
• 27:15
  Speaker 2: and I just had turned around and be like, all right,
• 27:16
  Speaker 2: we'll get them into the office, Like that's the easy outcome.
• 27:19
  Speaker 2: But that's actually not the kind outcome, is it. Like
• 27:22
  Speaker 2: we need to spend the time and the energy and
• 27:25
  Speaker 2: the effort to go on an individual basis. Does this work?
• 27:28
  Speaker 3: Also? Surely, like it becomes pretty obvious, especially working within teams,
• 27:33
  Speaker 3: who's slacking off and who's producing the goods, Like you
• 27:36
  Speaker 3: can tell just my last point on this was I
• 27:39
  Speaker 3: was talking to a fella, a fella he's a man
• 27:43
  Speaker 3: at work the other day and we were talking about
• 27:45
  Speaker 3: working from home, and I said, like, to be honest,
• 27:49
  Speaker 3: I still feel kind of guilty when I work from home. Yeah,
• 27:53
  Speaker 3: And he was like guilty. What I was like, do
• 27:57
  Speaker 3: you He's like, absolutely not, have never felt guilty anything.
• 28:00
  Speaker 3: But I was like, that's interesting. I wonder if that's
• 28:02
  Speaker 3: a female thing to kind of for one hundred percent.
• 28:06
  Speaker 2: Yes, my partner Steve works from home. I'd say ninety
• 28:10
  Speaker 2: percent of the time. He's got no guilt, Like he
• 28:12
  Speaker 2: just turns off and goes does pt or whatever he does.
• 28:16
  Speaker 2: He die and keep track of his life. But he
• 28:19
  Speaker 2: goes and does his own stuff, whereas I would look at,
• 28:22
  Speaker 2: you know, someone like ug and you're like, oh can
• 28:24
  Speaker 2: I go Like, yeah, of course you can go. Like
• 28:26
  Speaker 2: it just it's an interesting conundrum that you find yourself in.
• 28:29
  Speaker 2: But like, even just reflecting on my experience, I'm a
• 28:32
  Speaker 2: business owner. My partner Steve is an employee. He worked
• 28:36
  Speaker 2: way more hours because he's just at home. There's no
• 28:38
  Speaker 2: commute time, Like he wakes up in the morning. We'd
• 28:41
  Speaker 2: go through our walk with Lucy, get our coffee and
• 28:43
  Speaker 2: then go home and he'd be like, oh, yes, it's
• 28:45
  Speaker 2: like seven forty five, got nothing better to do, jumps
• 28:48
  Speaker 2: on the computer and starts work then, like they never
• 28:50
  Speaker 2: got that from him before because he would time his
• 28:53
  Speaker 2: commute to make sure that he was at work on time, right,
• 28:55
  Speaker 2: and like you're being quote on time, but it's just convenient, right.
• 28:59
  Speaker 3: Well.
• 28:59
  Speaker 4: I think people more likely to be flexible when they're
• 29:01
  Speaker 4: offered flexibility in return, like if you're absolutely right, Like
• 29:04
  Speaker 4: if I'm working on something and it's five thirty, I'm
• 29:06
  Speaker 4: not just going to be like, oh well, time to
• 29:09
  Speaker 4: see you later, like clock off, shut the laptop, like
• 29:11
  Speaker 4: I'll finish what I'm doing because I go, oh, well,
• 29:13
  Speaker 4: I don't have to spend an hour and a half
• 29:14
  Speaker 4: in the car and the traffic going home, Like it's
• 29:16
  Speaker 4: so much easier to just finish what I'm doing. And
• 29:18
  Speaker 4: I would argue that a lot of people are the same.
• 29:20
  Speaker 2: I feel like a lot of people listening to this
• 29:22
  Speaker 2: are going to really resonate and go, oh, I feel
• 29:24
  Speaker 2: really guilty too, like drop that, like you are still
• 29:27
  Speaker 2: dedicating your time, energy and effort to that company. And
• 29:31
  Speaker 2: I find it like you said before Jess like, ah,
• 29:33
  Speaker 2: I don't see the clock and see five point thirty
• 29:34
  Speaker 2: and get up immediately be like woll we're done here,
• 29:37
  Speaker 2: Like you finish it off right, But on other occasions
• 29:40
  Speaker 2: you might be like, oh, it's five past five, Like
• 29:42
  Speaker 2: do I start another task that's going to take me
• 29:44
  Speaker 2: two hours? Or you know, I've had a bit of
• 29:45
  Speaker 2: a day. I'm just going to call it here and
• 29:47
  Speaker 2: flick through my inbox and make sure that I'm on
• 29:49
  Speaker 2: cross everything and maybe not use that as productively because
• 29:52
  Speaker 2: I think that productivity comes in ebbs and flows, and
• 29:56
  Speaker 2: I'm a very big believer, like es, I've said this
• 29:58
  Speaker 2: in the office so many times. I remember one of
• 30:01
  Speaker 2: our team were like, oh, my bad ache just takes
• 30:03
  Speaker 2: a battle. I was like, go home, Like, literally, I
• 30:06
  Speaker 2: am not saying this because I'm thinking that you're a silk.
• 30:08
  Speaker 2: I'm not saying this for any other reason. Then you're
• 30:11
  Speaker 2: not gonna be productive. You're gonna sit at your desk.
• 30:13
  Speaker 2: You're gonna stare at your screen and feel really bad
• 30:15
  Speaker 2: about the fact that you're not being productive. You might
• 30:18
  Speaker 2: have been present, but present doesn't equal productive. Go home, like,
• 30:21
  Speaker 2: don't even bother with sick leave. I know you'll make
• 30:23
  Speaker 2: it up later, like it is what it is. And
• 30:25
  Speaker 2: I feel like my team are very respectful of that,
• 30:28
  Speaker 2: and I'm gonna be honest. I feel like the more
• 30:31
  Speaker 2: freedom I give you guys, yeah, yeah, the more respect
• 30:34
  Speaker 2: comes back, the more time and energy and effort you
• 30:37
  Speaker 2: guys actually put into your role. And I've had to
• 30:40
  Speaker 2: literally get on Slack and be like, Jessica, it is
• 30:43
  Speaker 2: eight thirty pm, y you're online and just be like, oh,
• 30:45
  Speaker 2: I'm just flicking through your book stuff and having a look.
• 30:47
  Speaker 2: I'm just really interested. Just got sent through and I'll
• 30:50
  Speaker 2: be like, yes, go to bed, go do something else.
• 30:53
  Speaker 2: And you know, I think that's a very nice problem
• 30:56
  Speaker 2: to have, what your team are very committed. I also
• 30:59
  Speaker 2: think it's an employer's responsibility to make sure that they're
• 31:01
  Speaker 2: not abusing that circumstance where jess is working late, Like
• 31:04
  Speaker 2: we need to call that out too and be like, yes,
• 31:06
  Speaker 2: what are you doing unless we're both working to a
• 31:09
  Speaker 2: tight deadline and I'm like, oh, take a day, lou
• 31:11
  Speaker 2: or whatever it is, because we work to midnight to
• 31:13
  Speaker 2: get this done. Like, I just have a lot of
• 31:15
  Speaker 2: thoughts on this, and I just think that currently that's unacceptable, good.
• 31:19
  Speaker 3: Chat ladies when so many places I loved them all.
• 31:22
  Speaker 2: So Katie and Rhythm the Dodgy Bosses like it us
• 31:25
  Speaker 2: a lot guilt.
• 31:26
  Speaker 3: We really covered it all. But shall we have a
• 31:28
  Speaker 3: little listen to a money dilemma?
• 31:29
  Speaker 2: Well, love a money dilemma? Let's go, Hi there, have you.
• 31:34
  Speaker 3: Got a money dilemma you just can't solve that. She's
• 31:37
  Speaker 3: on the Money Team is here to help. Every week
• 31:39
  Speaker 3: we tackle your dilemmas, both big and small, to answer
• 31:42
  Speaker 3: your most burning money, career and life questions. To get involved,
• 31:46
  Speaker 3: simply head to our website and leave us a quick
• 31:48
  Speaker 3: voice recording and you may just find yourself on the show. Now,
• 31:51
  Speaker 3: let's take a listen to today's money dilemma.
• 31:55
  Speaker 5: Hey, She's on the Money Team. I was just hoping
• 31:57
  Speaker 5: to get some tips and tricks on how to celebrate
• 32:00
  Speaker 5: the little wins and how far you've actually come throughout
• 32:04
  Speaker 5: the year, even if it's not reflected in your savings account.
• 32:08
  Speaker 5: I know, coming up to the end of financial year,
• 32:10
  Speaker 5: I see a huge number that's come through my account
• 32:14
  Speaker 5: and I really struggle to see where I've spent that money.
• 32:18
  Speaker 5: I struggle to celebrate the little wins. I know I've
• 32:22
  Speaker 5: paid debt, I know I live alone, but just because
• 32:27
  Speaker 5: that number is not in my savings account, it really
• 32:29
  Speaker 5: gets me down. So I was hoping that you guys
• 32:32
  Speaker 5: could share anything that you have for me.
• 32:35
  Speaker 2: That would be great.
• 32:36
  Speaker 5: Thank you.
• 32:37
  Speaker 2: Oh, this is a really wholesome one. Georgia King and
• 32:41
  Speaker 2: Jose Garci. How do you guys celebrate the small wins?
• 32:45
  Speaker 3: It's a good question. Firstly, I would say that I
• 32:50
  Speaker 3: really resonate with her saying, seeing that like lump some
• 32:53
  Speaker 3: coming through when you get your tax back, oh depressed
• 32:56
  Speaker 3: something where that's not in my savings account. What advice
• 33:00
  Speaker 3: I spent it on? But you forget that life is expensive.
• 33:02
  Speaker 3: You got rent, she was paying off her debts, as
• 33:04
  Speaker 3: she said, But life, as we've been speaking about on
• 33:07
  Speaker 3: the pod for the last few weeks slash months, life
• 33:10
  Speaker 3: is so expensive at the moment. So don't beat yourself
• 33:12
  Speaker 3: up about that. But in terms of celebrating the small wins,
• 33:16
  Speaker 3: I mean I'd be partial every now and then to
• 33:19
  Speaker 3: a little little fashion purchase. Yeah ridiculous, but you know,
• 33:24
  Speaker 3: maybe a couple of hunch every couple of months. That
• 33:27
  Speaker 3: is under estimation, probably what I am spending to talk
• 33:32
  Speaker 3: about it just I think it is important to allocate
• 33:36
  Speaker 3: that money, as I think I said last week on
• 33:37
  Speaker 3: the podcast, so that you don't feel guilty when you
• 33:40
  Speaker 3: are spending super important but beyond that, just little things
• 33:44
  Speaker 3: like going for cute walks, running bars to say, I mean,
• 33:48
  Speaker 3: I have a buth most nights, so maybe that's not
• 33:50
  Speaker 3: a good example. I actually don't.
• 33:52
  Speaker 4: Really have.
• 33:54
  Speaker 3: I know, what a horrible girl. Jarek, what do you
• 33:57
  Speaker 3: do to celebrate the small wins?
• 33:58
  Speaker 4: I was going to kind of agree with you, I
• 34:00
  Speaker 4: personally don't really celebrate this mornings, and not in a
• 34:04
  Speaker 4: oh like put me out. I don't celebrate like it's
• 34:06
  Speaker 4: just not something that I need to do, Like I'm
• 34:10
  Speaker 4: very goal driven. Like I'm very task driven, and for me,
• 34:13
  Speaker 4: the satisfaction is in seeing my progress.
• 34:17
  Speaker 2: And that's what makes me feel good.
• 34:18
  Speaker 1: Yep.
• 34:19
  Speaker 4: Not to say that wanting to celebrate is a bad
• 34:21
  Speaker 4: thing at all. I think it's a great thing. I
• 34:22
  Speaker 4: would say, yeah, like a little treat yourself moment, Like,
• 34:25
  Speaker 4: particularly if we're talking finances and you've been working towards
• 34:27
  Speaker 4: a financial goal. I think if you've been paying fifty
• 34:30
  Speaker 4: dollars a week off of your debt and you've paid
• 34:32
  Speaker 4: off your debt, I would give yourself another week or
• 34:35
  Speaker 4: two weeks to still save that same fifty dollars and
• 34:37
  Speaker 4: then by yourself a little something something, you know. I
• 34:40
  Speaker 4: think definitely treating yourself, particularly if you've been doing something
• 34:44
  Speaker 4: where you've been a little bit more restrictive, is a
• 34:46
  Speaker 4: great thing. Or putting it towards a bigger purchase, you know,
• 34:50
  Speaker 4: like saving towards a holiday or saving towards something like that.
• 34:53
  Speaker 4: But it's really hard because I think it is a
• 34:55
  Speaker 4: very personal thing. And yeah, for me, I'm not a
• 34:58
  Speaker 4: big celebrator because the joy is in the progression that
• 35:03
  Speaker 4: you make. And I totally get, as you said, the
• 35:06
  Speaker 4: disappointment when you go, oh.
• 35:07
  Speaker 3: My god, fifty thousand dollars.
• 35:09
  Speaker 2: Has just disappeared.
• 35:10
  Speaker 4: Where do you go? And I think that is really
• 35:14
  Speaker 4: about recognizing that it went on something, and if you
• 35:17
  Speaker 4: have a good budget and cash flow system in place,
• 35:19
  Speaker 4: you should actually know where that went. Like I can say, hey,
• 35:22
  Speaker 4: I know that I've spent twelve thousand dollars in rent
• 35:24
  Speaker 4: this year, Like that's.
• 35:25
  Speaker 3: Just the real that's between me and a partner, not
• 35:28
  Speaker 3: just me.
• 35:29
  Speaker 2: But you know that's pretty good though, Yeah, that's pretty
• 35:32
  Speaker 2: good rent.
• 35:32
  Speaker 4: Yeah, and it's kind of like you go, okay, I
• 35:35
  Speaker 4: should kind of if I break it down and think
• 35:37
  Speaker 4: about it, be able to go.
• 35:38
  Speaker 3: Oh.
• 35:38
  Speaker 2: A lot of that went to.
• 35:39
  Speaker 4: Food because food got expensive, or electricity because I've been
• 35:41
  Speaker 4: working from home. So just don't feel realty, like, you know,
• 35:43
  Speaker 4: as long as you have that good system in place,
• 35:45
  Speaker 4: you should be on top of it and hopefully you
• 35:47
  Speaker 4: know what you're doing and you know, have faith in
• 35:49
  Speaker 4: what past you has done and what future you will do.
• 35:51
  Speaker 5: Yeah.
• 35:52
  Speaker 2: I really like that. I think from my perspective, I
• 35:55
  Speaker 2: had a turning point, maybe like you were with me
• 35:58
  Speaker 2: when I had this. It was like twelve months ago,
• 36:00
  Speaker 2: and I was like, this is a joke. We celebrate
• 36:03
  Speaker 2: nothing because I'm like, okay, onto the next thing, Like
• 36:06
  Speaker 2: we need to move on to this. And to be honest, yes,
• 36:09
  Speaker 2: let's acknowledge that I was achieving some pretty big things,
• 36:11
  Speaker 2: like I did my book and we you know, had
• 36:13
  Speaker 2: the podcast, and there were like lots of quote big
• 36:16
  Speaker 2: things happening. But I was so focused on the long
• 36:19
  Speaker 2: term that I wasn't celebrating the little things along the way.
• 36:23
  Speaker 2: And when I reflected on it, I was like, well,
• 36:25
  Speaker 2: what memories am I making and what are the things
• 36:28
  Speaker 2: that actually made this beautiful? And it wasn't you know,
• 36:31
  Speaker 2: achieving an award please don't get me wrong, super grateful
• 36:34
  Speaker 2: for it, but that wasn't the big thing. It was
• 36:37
  Speaker 2: like the journey along the way, and like us celebrating
• 36:39
  Speaker 2: the small successes with this second book right I'm writing
• 36:43
  Speaker 2: it and now Jess our team are really celebrating, like
• 36:46
  Speaker 2: the final draft going in and like we as the
• 36:48
  Speaker 2: she's on the money team. It's probably driven far more
• 36:50
  Speaker 2: by me because Jess, you're always like, yeah, okay, no problems,
• 36:52
  Speaker 2: like you don't seem to mind. But I feel like
• 36:54
  Speaker 2: then when we look back, we're like, oh, we did
• 36:56
  Speaker 2: go out for a nice lunch or we did do this,
• 36:58
  Speaker 2: and we did do that. And it's kind of for
• 37:00
  Speaker 2: me about I want to look back on my life
• 37:03
  Speaker 2: and go I had a really fun journey, Like it
• 37:05
  Speaker 2: wasn't always about the really big things. We obviously should
• 37:09
  Speaker 2: be celebrating those two, but I think it's about the journey,
• 37:12
  Speaker 2: like breaking down your big goals into smaller ones to
• 37:15
  Speaker 2: celebrate them, even if it's like a walk and a coffee.
• 37:17
  Speaker 2: And I think it's a lot from my perspective about mindset.
• 37:21
  Speaker 2: It's not necessarily about you know, achieving the thing and
• 37:24
  Speaker 2: celebrating it because we all have very different what would
• 37:27
  Speaker 2: you call it, like love languages in terms of the
• 37:30
  Speaker 2: way that you like to celebrate g and you like
• 37:32
  Speaker 2: to celebrate Jess and I like to celebrate like those
• 37:35
  Speaker 2: things and our preferences are all very different, and obviously
• 37:39
  Speaker 2: we want to be respectful of that. However, I think
• 37:41
  Speaker 2: really breaking it down and going like, oh, what kind
• 37:43
  Speaker 2: of memories do I really want to reflect on? And
• 37:46
  Speaker 2: if I got out of debt and Jess, you've spoken
• 37:47
  Speaker 2: about it on the podcast before where you got out
• 37:49
  Speaker 2: of debt and you're like really anti climactic, like you
• 37:52
  Speaker 2: hate it off and you're like, cool, that's nice, Like
• 37:57
  Speaker 2: is there something you would have done differently there to
• 37:59
  Speaker 2: celebrate that or is that just the experience that you're like, Oh,
• 38:02
  Speaker 2: it just wasn't as exciting as I thought it would be.
• 38:04
  Speaker 4: I think for me again, the joy was kind of
• 38:06
  Speaker 4: in going, oh, like I've paid down the debt, Like
• 38:08
  Speaker 4: I yeah, Like I don't need to have something material
• 38:12
  Speaker 4: or an experience for me personally to enjoy that moment,
• 38:16
  Speaker 4: Like it was anti climactic, but I think not because
• 38:20
  Speaker 4: I didn't celebrate it. I think it was just because
• 38:22
  Speaker 4: it had been such a big goal and I got there.
• 38:24
  Speaker 4: I was like, yeah, exactly right. But no, like, I
• 38:27
  Speaker 4: do look back on that moment with a lot of
• 38:29
  Speaker 4: happiness because it was something that I had been working
• 38:32
  Speaker 4: towards and that's where my passion and joy comes from.
• 38:36
  Speaker 4: But there are some people that you're right, like, they
• 38:38
  Speaker 4: want to go out to a dinner, or they want
• 38:39
  Speaker 4: to buy themselves a little piece of jewelry, and no
• 38:42
  Speaker 4: matter what it is that does it for you that
• 38:44
  Speaker 4: is so great, I think it's maybe just taking some
• 38:46
  Speaker 4: time to figure out how you personally like to celebrate
• 38:50
  Speaker 4: and then giving yourself permission to do that for those
• 38:52
  Speaker 4: small winds, not just the big ones.
• 38:55
  Speaker 3: So that'll keep you on track for your next goal,
• 38:57
  Speaker 3: right exactly.
• 38:58
  Speaker 2: And it sounds a little bit fluffy, right, but I
• 39:00
  Speaker 2: do think it goes back to things like love, languages
• 39:02
  Speaker 2: and really understanding yourself. And I know what makes me
• 39:06
  Speaker 2: really happy, and I would be so excited if I
• 39:09
  Speaker 2: was like, hey, jes, I just achieved this thing. Do
• 39:11
  Speaker 2: you want to go for a walk and grab a coffee?
• 39:13
  Speaker 2: It's mindset, it's actually going, oh, I'd love to share
• 39:16
  Speaker 2: this with my friend as opposed to, you know, a
• 39:19
  Speaker 2: big thing, because you could give me a big thing.
• 39:21
  Speaker 2: And this is going to sound really awful, but like
• 39:23
  Speaker 2: I'll just go yeah, okay, cool, like that's nice unless
• 39:26
  Speaker 2: I have some kind of achievement associated with a big
• 39:29
  Speaker 2: ticket purchase. And this is where you know, historically I've
• 39:33
  Speaker 2: spoken on my Instagram account. I have bought myself pieces
• 39:36
  Speaker 2: of jewelry before. I couldn't like, don't give me a
• 39:39
  Speaker 2: really expensive piece of jewelry without any meaning behind it.
• 39:41
  Speaker 2: It means nothing to me. But I bought myself my
• 39:44
  Speaker 2: very first pair of pearl earrings. When I got my
• 39:46
  Speaker 2: first full time job and I had my very first paycheck,
• 39:50
  Speaker 2: I was like, oh, this is big girl purchase. Like
• 39:52
  Speaker 2: to me that was important. To other people, you'd be like, well,
• 39:55
  Speaker 2: the hell Victoria like that?
• 39:57
  Speaker 5: What?
• 39:57
  Speaker 2: No, I want to save my first paycheck and let's
• 39:59
  Speaker 2: be current Victoria wouldn't do what past Victoria did. But
• 40:04
  Speaker 2: these are things that made me really happy. So I
• 40:06
  Speaker 2: think you're right, Jess. Just break it down, work out
• 40:08
  Speaker 2: what you want and how you want to celebrate it.
• 40:10
  Speaker 2: Because my version of celebrating might be your version of hell.
• 40:15
  Speaker 3: We're also all super proud of you, dear listener, if
• 40:18
  Speaker 3: that helps as well a bit of praise from the girls.
• 40:20
  Speaker 3: Congratulations on all you've achieved.
• 40:22
  Speaker 2: Go put whatever you've achieved in our money. We pass blood.
• 40:26
  Speaker 2: You love reading. We read each and every single one
• 40:29
  Speaker 2: of the comments that go in there. Please go and
• 40:31
  Speaker 2: pop it there. People put in there they got fifty
• 40:33
  Speaker 2: cents off their coffee, all the way through to paying
• 40:36
  Speaker 2: off fifty grand worth of personal debt. And I'm here
• 40:38
  Speaker 2: for every single one of them, honestly. But guys, we've
• 40:42
  Speaker 2: gone on and on. I think that is all we
• 40:44
  Speaker 2: have time for today.
• 40:45
  Speaker 3: Let's do it the boring but important stuff.
• 40:47
  Speaker 2: Guys.
• 40:47
  Speaker 3: Please remember the advice shed on She's on the Money
• 40:50
  Speaker 3: is general in nature and does not consider your individual circumstances.
• 40:54
  Speaker 3: She's on the Money exists purely for educational purposes and
• 40:57
  Speaker 3: should not be relied upon to make an investment or
• 41:00
  Speaker 3: a financial decision. And we promised. Victoria Devine and She's
• 41:03
  Speaker 3: on the Money are authorized representatives of in Focused Securities
• 41:07
  Speaker 3: Australia Proprietary Limited a b N four seven zero nine
• 41:10
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• 41:13
  Speaker 3: three six five two three See you next week, guy.
• 41:15
  Speaker 1: Bye.