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MONEY DIARIES: The 19 year old super saver · She's On The Money

0:01
Speaker 1: She's on the Money. She's on the Money.
0:19
Speaker 2: Hello and welcome to She's on the Money, the podcast
0:22
Speaker 2: for millennials who want financial freedom. This week on money Daries,
0:27
Speaker 2: we speak to our nineteen year old super saver who
0:29
Speaker 2: has a very very exciting money goal. So let's jump
0:33
Speaker 2: straight in.
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Speaker 3: Our family was financially well off in my childhood, but
0:38
Speaker 3: at two thousand and nine, my mum got a redundancy
0:41
Speaker 3: and then cyclone yazy kid Queensland. Does that sound right yasy?
0:44
Speaker 2: Yeah, that's right.
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Speaker 3: Yeah, and it wiped out our family's investment properties, leaving
0:49
Speaker 3: us in seven hundred thousand dollars of debt.
0:51
Speaker 2: Oh my god.
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Speaker 3: Yeah. The parents had to sell the family home. We
0:55
Speaker 3: had the big Australian dream house, you know at the
0:57
Speaker 3: pool at the back and that sort of thing, living
0:59
Speaker 3: the sort of happily her after, if you will, and
1:01
Speaker 3: they had to sell that a move into a place
1:03
Speaker 3: that had three bedrooms, and there was five of them
1:05
Speaker 3: in the family that had to move schools to the
1:07
Speaker 3: public school and stuff. So their life just really changed
1:09
Speaker 3: all of a sudden, and it really just changed her
1:11
Speaker 3: sort of whole mindset on everything. Really. Her mum is
1:15
Speaker 3: unwell also, so she's not able to keep working and
1:18
Speaker 3: earning money. Oh how awful, But she says, now in
1:20
Speaker 3: the good news. I was planning to go to Europe
1:22
Speaker 3: last year, but COVID got in the way. But because
1:24
Speaker 3: I had all this money saved up, I wanted the
1:26
Speaker 3: money to kind of start doing well for me. So
1:28
Speaker 3: I thought listening to She's on the money advice and
1:31
Speaker 3: stuff like that. Since then, I now have a three
1:34
Speaker 3: thousand dollar emergency fund tracked to have thirty thousand dollars
1:38
Speaker 3: for twenty twenty two. When I go on exchange to.
1:40
Speaker 2: Europe with you, she'll be great.
1:42
Speaker 3: IM sitting at twelve thousand right now, so she's already ahead.
1:45
Speaker 3: But the biggest achievement was when she bossed up big time,
1:48
Speaker 3: and this is her words, bossed up big, tossed up
1:51
Speaker 3: big time and left my insanely toxic and exploitive workplace.
1:55
Speaker 3: And she stood up to her ex boss and was
1:56
Speaker 3: brutally on it. She said, usually I don't want to
1:58
Speaker 3: burn a bridge, but I was really being taking advantage
2:00
Speaker 3: of I was a student, I was young. They knew that.
2:03
Speaker 3: So she got a new job in September and she
2:05
Speaker 3: was promoted within a month. The family is still in
2:07
Speaker 3: considerable debt, but I feel good knowing that I'm not
2:09
Speaker 3: contributing to it as much and the next year I
2:12
Speaker 3: can actually lend a bit of a hand and help out,
2:15
Speaker 3: she says. PS. Congratulations on the Smartest Podcast Award. Congratulations
2:18
Speaker 3: to Victoria's new baby, Lucy. She knows there's the.
2:20
Speaker 2: Dog right Yeah, like I mean questionable whether she's a dog.
2:23
Speaker 3: Yeah. Congratulations Ryan on the kiss job or yay. A
2:27
Speaker 3: lot's happened in her life. She's I feel years old
2:32
Speaker 3: about to turn nineteen.
2:33
Speaker 2: From when you get her on the phone.
2:34
Speaker 3: Let's hello Cat speaking Hi Kat, this is Ryan, Victoria
2:44
Speaker 3: and Georgia. How are you doing good?
2:46
Speaker 2: How are you guys?
2:47
Speaker 3: Good? Sorry, we're a little bit late calling.
2:50
Speaker 4: To actually watch. And congrats girlfriends.
2:54
Speaker 3: Oh what's the congrats? Are you engaged?
3:01
Speaker 2: You keep bringing it up. It's now weird.
3:05
Speaker 3: Like you know, Victoria just got back from the holidays
3:07
Speaker 3: with their partner and they're not engaged.
3:11
Speaker 2: All right, Let's jump straight in. What's your relationship with money?
3:15
Speaker 4: Being like in the past, So for me, I a
3:19
Speaker 4: big thing for me was having a bit of independence
3:22
Speaker 4: through money. I didn't like relying on my parents, so
3:26
Speaker 4: I actually got my first job, I guess you could say,
3:29
Speaker 4: at thirteen, doing the local newspaper run gave me a
3:33
Speaker 4: whopping fifteen dollars a week.
3:35
Speaker 2: I respect that only fifteen dollars a week when you're
3:39
Speaker 2: thirteen though thirteen, but like, can we please remember that? Sorry,
3:44
Speaker 2: I'm pretty sure you're only eighteen, so wasn't that long
3:47
Speaker 2: ago yet. It's a little bit of slave labor.
3:51
Speaker 4: Just a little like it's fun.
3:53
Speaker 2: Joe would have expected at least twenty bucks.
3:56
Speaker 4: I know, but like, what can you do for.
3:58
Speaker 2: Grand apologies jump unnecessarily again.
4:03
Speaker 4: So yeah, from there, I got my first proper job
4:05
Speaker 4: at fifteen, justacking at a supermarket, and then from there
4:09
Speaker 4: until I sort of graduated high school, it was mostly
4:12
Speaker 4: just week to week. I think I had at any
4:14
Speaker 4: given time maybe like seven hundred bucks in my account
4:18
Speaker 4: to save for my wonderful school's trip, and then it
4:22
Speaker 4: was blown.
4:24
Speaker 2: What do you do for work now? Obviously you don't
4:26
Speaker 2: still have your paper route job, and how much do
4:29
Speaker 2: you earn? And how much is currently in your bank account?
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Speaker 4: So in a moment, at the moment, I work as
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Speaker 4: a junior project coordinator at like a management consulting firm,
4:43
Speaker 4: so it's part time because I'll be starting UNI this
4:46
Speaker 4: year and I'm on a fifty five K salary post
4:50
Speaker 4: super and we.
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Speaker 3: Heard it's a new job and you got promoted with
4:52
Speaker 3: a month, so feel like you don't have to be humble.
4:54
Speaker 3: We'll celebrate for you.
4:55
Speaker 2: Yeah what a queen.
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Speaker 4: Yes, thanks guys.
5:00
Speaker 2: That is epic though, because yeah, we'll get into it after.
5:03
Speaker 2: I just think it's epik. I'll ask you the next question. So,
5:07
Speaker 2: how much is currently sitting in your bank account right now?
5:10
Speaker 4: At the moment? I have around nineteen K saved, which
5:14
Speaker 4: includes a three K emergency funds that I don't touch.
5:18
Speaker 2: So so so good. So what's your attitude to money
5:22
Speaker 2: and what's currently your big money goal?
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Speaker 4: So my attitude at the moment is probably just to
5:28
Speaker 4: save as much as I possibly can while I'm living
5:31
Speaker 4: at home and I don't really have any overhead. I
5:35
Speaker 4: like to definitely have a plan in place to budget
5:38
Speaker 4: and to know what I'm going to save and invest
5:40
Speaker 4: each month. And my big money goal is actually to
5:44
Speaker 4: go to the UK on exchange in twenty twenty three.
5:47
Speaker 2: That is a really big money goal. How much will
5:50
Speaker 2: that money goal cost you in total?
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Speaker 4: Do you think I'm hoping to have about thirty k
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Speaker 4: saved for it. I think I will. I've actually lucky
6:00
Speaker 4: to have citizenship over there, so I can't work there
6:04
Speaker 4: and it's not too big different issue. But yeah, I'm
6:07
Speaker 4: going to have hopefully thirty k and then whatever else
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Speaker 4: I can grape up before I leave.
6:12
Speaker 2: So what's your attitude towards investing? Do you currently have
6:15
Speaker 2: any investments?
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Speaker 4: I do. I currently have a share portfolio worth about
6:21
Speaker 4: four and a half grand.
6:22
Speaker 2: Is that an addition to your savings?
6:25
Speaker 4: That is in addition?
6:26
Speaker 2: Oh my gosh, and you're only eighteen?
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Speaker 4: Yes, I was super excited, gets queen. I did read
6:33
Speaker 4: like the entire concept website from head to toe right
6:38
Speaker 4: turned eighteen.
6:39
Speaker 2: I really like their content. If you are looking for
6:41
Speaker 2: info on it, I feel like they break it down
6:43
Speaker 2: in a really great way. They essentially write in a
6:46
Speaker 2: very blog style.
6:47
Speaker 4: It's really easy to understating.
6:49
Speaker 2: Yeah, yeah, so if you want a recommendation obviously not
6:52
Speaker 2: paid by comseck, or if they want to pay me,
6:54
Speaker 2: I wouldn't say no, I'll take the cash. But yeah,
6:57
Speaker 2: the Comcex website, if you want to learn more about him,
7:00
Speaker 2: is a really great place to head I'm not sure
7:02
Speaker 2: if you do have debts, but what depths do you
7:06
Speaker 2: currently have?
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Speaker 4: I have no debts at the moment, but obviously I
7:10
Speaker 4: will accrue a hex step at the end of my
7:13
Speaker 4: university degree.
7:14
Speaker 2: Absolutely. And what is your best money habit?
7:18
Speaker 4: I think just having a budget into it, so I
7:23
Speaker 4: sort of go by a bit of the barefoot regime.
7:27
Speaker 4: Having separate cards for my expenses and entertainment works really
7:30
Speaker 4: well for me.
7:31
Speaker 2: Awesome. And what would your worst money have it be?
7:36
Speaker 4: I struggle to spend money on myself, so I kind
7:39
Speaker 4: of feel guilty if I buy clothes or luxuries for myself,
7:44
Speaker 4: But working on fitting it into my budget so hopefully soon.
7:48
Speaker 2: And the last question that arguably one of my favorites.
7:52
Speaker 2: What grade would you give yourself if I forced you
7:55
Speaker 2: to give yourself a grade?
7:57
Speaker 4: I think I'd give myself a beef. I think that
8:01
Speaker 4: there's always things to learn and ways to improve, but
8:04
Speaker 4: I feel like I've got the foundations downpacked.
8:10
Speaker 2: You're listening to money diaries, all right, So that was
8:16
Speaker 2: actually a really interesting money diary. But I guess one
8:20
Speaker 2: of the first questions I've got for you is why
8:22
Speaker 2: did you want to share your money Diary on our podcast.
8:25
Speaker 4: I got so excited when I found this podcast, Like
8:28
Speaker 4: I have literally recommended it to genuinely anyone who will
8:33
Speaker 4: listen to me. Yes, And so I was like, I
8:38
Speaker 4: saw Ryan's post in the group, and I was like,
8:40
Speaker 4: you know what might as well, like why not give
8:43
Speaker 4: it a shot?
8:44
Speaker 3: Speaking which I the one thing that stood out to
8:46
Speaker 3: me in what was a very busy email, because there's
8:49
Speaker 3: a lot going on there. You said you bossed up
8:52
Speaker 3: big time and left an insanely toxic and exploitive workplace.
8:56
Speaker 3: Obviously don't go into too many details, but.
8:59
Speaker 2: Now don't don't bry them under a.
9:00
Speaker 3: Bus, but just how like, it's a lot easier said
9:04
Speaker 3: than done to say, oh, just leave. I mean I
9:06
Speaker 3: feel like in a lot of situations that's just the
9:08
Speaker 3: easy throwaway line. But it's obviously not that easy. So
9:11
Speaker 3: how did you sort of psych yourself up for getting
9:13
Speaker 3: through that situation?
9:14
Speaker 4: I actually have to credit it all to you guys. Literally,
9:18
Speaker 4: I'd been thinking about it for a bit because there
9:21
Speaker 4: was just a lot going on, and I was like,
9:23
Speaker 4: I feel like I'm sort of not being treated properly.
9:26
Speaker 4: I think I need to leave. And as soon as
9:28
Speaker 4: I was thinking about it. You guys released the money
9:32
Speaker 4: and mental health episodes, and I was like, that's it.
9:35
Speaker 4: I'm out of here.
9:36
Speaker 2: Oh my gosh, so good. We literally got you did
9:42
Speaker 2: so obviously.
9:43
Speaker 3: I mean you just said the topic was money and
9:45
Speaker 3: mental health. I assume it was starting to affect more
9:48
Speaker 3: than just your time at work. Is that fair to say?
9:51
Speaker 4: Yeah? It was just like, honestly, there was no work
9:54
Speaker 4: life balance. My employer was sort of the expectation was
9:58
Speaker 4: that if I took the holiday or whatever, started to
10:00
Speaker 4: be online and on my emails and replying, and it
10:03
Speaker 4: just gross. Got to your point, Yeah, I know, and
10:06
Speaker 4: I just thought that was normal. I was like, oh, yeah,
10:08
Speaker 4: makes sense.
10:09
Speaker 2: That is totally not normal. Like you are on holiday,
10:12
Speaker 2: you are uncontactable, and that's why you actually have the
10:15
Speaker 2: ability to put an out of office on your email exactly.
10:19
Speaker 3: So tell me how did it feel after you know,
10:21
Speaker 3: you left that day, Like, did you feel amazing after
10:24
Speaker 3: you finally had that chat and really stood up for yourself.
10:27
Speaker 4: Yes, I honestly, it was like a weight off my shoulders.
10:31
Speaker 4: I didn't even bother to have anything lined up showed away.
10:34
Speaker 4: I was like, I just need to get out, got
10:36
Speaker 4: to do it for myself and it just felt so good.
10:40
Speaker 3: I think we associate the emergency fund with if an
10:43
Speaker 3: unexpected bill happens, or our car breaks down, or you know,
10:46
Speaker 3: a health thing. But is an emergency fund maybe something
10:49
Speaker 3: that can help pay the bills for a few weeks
10:51
Speaker 3: when you're between jobs, because it's not healthy or helpful
10:54
Speaker 3: for you to say that.
10:56
Speaker 2: Absolutely, And this is something that I've actually written an
10:59
Speaker 2: article on before, and I think that who was it,
11:02
Speaker 2: I can't remember. Some media outlet picked it up and
11:05
Speaker 2: it was one of my first articles, and I was
11:07
Speaker 2: very proud of it. And essentially I don't swear, as
11:11
Speaker 2: you guys probably already know, but I did call it
11:14
Speaker 2: an if off fund, And for me, an emergency fund
11:19
Speaker 2: is really important because you know, if you have an
11:21
Speaker 2: unexpected cost come up, you can cover it. But I
11:24
Speaker 2: also think that we should be having this emergency fund
11:28
Speaker 2: so that we can essentially say f off to any
11:31
Speaker 2: situation or place or person that we want to. So
11:35
Speaker 2: whether that is we are in a relationship with a
11:37
Speaker 2: toxic employer and we need to get out of that
11:40
Speaker 2: and pay the bills for a couple of months. I
11:42
Speaker 2: think that that emergency account is the reason it exists.
11:45
Speaker 2: Like as much as it's not a you know, triple
11:48
Speaker 2: zero emergency, it definitely is an emergency when it comes
11:51
Speaker 2: to your mental health, and the same goes for personal
11:54
Speaker 2: relationships or maybe you find yourself, you know, overseas on
11:57
Speaker 2: holidays with friends and you're hating it. That's what your
12:00
Speaker 2: fund is for. It is something that you know gives
12:03
Speaker 2: you the power of choice, regardless of what that choice is.
12:07
Speaker 2: And I think that that's the important thing about an
12:09
Speaker 2: emergency fund.
12:10
Speaker 3: And did you feel just having a little bit of
12:12
Speaker 3: savings anyway it made you feel a bit freer to
12:14
Speaker 3: make that decision?
12:16
Speaker 4: Yeah? Absolutely, I was sort of like, I mean, obviously,
12:18
Speaker 4: I'm very lucky to still be living at home. You know,
12:21
Speaker 4: it wasn't going to cost me too much. But yeah,
12:25
Speaker 4: I definitely felt a lot better. And I was really
12:27
Speaker 4: really lucky that I actually did end up having something
12:31
Speaker 4: lined up by the time my notice period is up.
12:34
Speaker 2: Oh how good. I love stories like that. I mean,
12:38
Speaker 2: it is a little bit silly of us to just
12:40
Speaker 2: assume everyone has that grace. So there are probably going
12:43
Speaker 2: to be a number of people listening to this who
12:45
Speaker 2: aren't in a situation where they can just quit their jobs.
12:49
Speaker 2: You know, you've been in a relationship with the toxic employer.
12:52
Speaker 2: If you had to stick it out, what would you
12:54
Speaker 2: say is your number one tip for people in that
12:57
Speaker 2: situation right now who potentially can't just quit.
13:00
Speaker 4: I think that probably the biggest thing that helped me
13:03
Speaker 4: was just getting all my ducks in a row before
13:06
Speaker 4: I left. So I obviously hadn't been thinking about it
13:09
Speaker 4: for too long, but I just wanted to make sure
13:12
Speaker 4: that I had an emergency fund to rely on if
13:15
Speaker 4: I was out of a job for longer than I
13:18
Speaker 4: had expected. I started doing pilates around that time, and
13:22
Speaker 4: that was also a really good way to just sort
13:24
Speaker 4: of switch off for a bit, So that really help me.
13:27
Speaker 3: You mentioned in your email about the cyclone and the
13:31
Speaker 3: property damage, and it really sort of changed a lot
13:34
Speaker 3: about the finance of your family. Did that change or
13:39
Speaker 3: teach you anything about making money, losing money, how important
13:43
Speaker 3: money is or isn't. Did that kind of impact you
13:45
Speaker 3: at all? Because you're obviously quite financially savvy now, How
13:48
Speaker 3: much of an impact did that have when you were younger?
13:50
Speaker 4: Absolutely? I mean, obviously this happened or when I think
13:54
Speaker 4: I was like ten years old, so didn't have a
13:57
Speaker 4: whole lot of cash to blush around in, but it
14:00
Speaker 4: just made me sort of realize that things can go
14:04
Speaker 4: like they can. You can get a full whint eighty
14:05
Speaker 4: done on you pretty easily. But it definitely taught me
14:08
Speaker 4: the importance of money. And I think that when I
14:11
Speaker 4: was sort of reading Barefoot and listening to you guys,
14:14
Speaker 4: hearing about the idea of having an emergency fund just
14:16
Speaker 4: made so much sense to me. So having that in
14:20
Speaker 4: place and just yeah, I think it definitely impacted the
14:22
Speaker 4: way that I look at it because it made me
14:25
Speaker 4: so much more aware of how things can just flip.
14:29
Speaker 4: But made me a lot more grateful for the money
14:32
Speaker 4: that I do get, and you know, it makes me
14:36
Speaker 4: want to work a lot harder so that I can
14:38
Speaker 4: be in a good financially secure position.
14:41
Speaker 3: I'm really curious to know what you're studying and what
14:44
Speaker 3: you plan to do with your career, because considering you're
14:46
Speaker 3: eighteen years old, you sound incredibly mature and switched on
14:50
Speaker 3: and driven and from.
14:53
Speaker 2: Years I do believe what are you studying.
14:55
Speaker 3: I'm so curious just to know everything about this situation.
15:00
Speaker 4: I am studying business and creative intelligence.
15:03
Speaker 2: That you hear of course she is that robots probably
15:08
Speaker 2: not robots.
15:13
Speaker 4: No. Literally, everyone asks me, they're like, are you an AI?
15:16
Speaker 2: Like, no, That's what I'm thinking.
15:18
Speaker 3: So what's creative intelligence?
15:20
Speaker 4: That is a good question. I'll get back to you
15:22
Speaker 4: in six months. I've gone there.
15:25
Speaker 2: You're literally doing a degree just so you can confuse us.
15:29
Speaker 2: I love it.
15:31
Speaker 4: It's just it looks really fun. I think it's sort
15:33
Speaker 4: of like problem solving in different ways of looking at
15:35
Speaker 4: business issues.
15:36
Speaker 2: Yeah, kind of thing.
15:37
Speaker 4: So that sounds really interesting, but I might hate it.
15:40
Speaker 2: Who knows upon she's on the money in six months.
15:42
Speaker 2: In an interview money diary with a creative intelligence studyer,
15:47
Speaker 2: you said.
15:48
Speaker 3: That you had a bit of trouble allowing yourself to
15:51
Speaker 3: spend money, and that's been such a common theme with
15:54
Speaker 3: a lot of our money diarists. You've said a few times,
15:56
Speaker 3: I'm saving up because I want to go in exchange,
15:58
Speaker 3: I'm saving up because I want to go to Europe.
16:00
Speaker 3: It seems like a big blowout of I'm going to
16:02
Speaker 3: be really really frugal until this big sort of travel opportunity.
16:05
Speaker 3: Tell us a little bit about your mindset towards that.
16:07
Speaker 4: Definitely, knowing that I have got this big money goal
16:10
Speaker 4: that I want to work towards is sort of has
16:13
Speaker 4: impacted for sure, the way that I see spending money
16:16
Speaker 4: on myself. It has gotten a lot better. Like I
16:20
Speaker 4: obviously spoke to my therapist about it, and she was like,
16:23
Speaker 4: this is getting out of hands. You need to buy
16:25
Speaker 4: that pair of jeans. Come on, yeah, welcome to me.
16:32
Speaker 4: That would be shoes.
16:33
Speaker 2: Obviously I feel attacked.
16:40
Speaker 4: So yeah, I think even I was thinking about it
16:43
Speaker 4: today and I think COVID also just realizing how quick
16:47
Speaker 4: you can sort of lose everything or a lot of stuff. Yeah,
16:52
Speaker 4: I think through COVID, knowing that people have lost their
16:55
Speaker 4: jobs and that everything can fall apart pretty quickly, it
16:58
Speaker 4: feels silly to spend money on things that aren't necessary
17:02
Speaker 4: and that aren't completely essential. But yeah, I think it's
17:04
Speaker 4: just something that I've got to work on. But I've
17:06
Speaker 4: definitely gotten better having the two separate cards.
17:09
Speaker 3: Now, what's something considering we've got Victoria Devine? What's one
17:13
Speaker 3: of your nicknames for v Sorry to put.
17:15
Speaker 2: You on swig of forarder.
17:16
Speaker 3: Sorry, guys, I just asked question.
17:19
Speaker 2: I'm all right with Georgia not being able to be.
17:23
Speaker 3: One of the explainers of her title.
17:27
Speaker 2: Oh okay, so like money Millennial money Wizards extraordinary? Can
17:33
Speaker 2: I go to the A f A about that? I'll
17:36
Speaker 2: just go straight to the AFA and be like, Hello, yes,
17:39
Speaker 2: I know that I can be accredited. I'd like to
17:41
Speaker 2: be officially a money with it.
17:43
Speaker 3: Yeah, money diar is considering you do have the millennial
17:46
Speaker 3: money Wizard chatting to you. Now, what's one thing that
17:49
Speaker 3: you maybe want to learn more about over the next
17:51
Speaker 3: few years, as you know, continue your money journey.
17:55
Speaker 4: I think, to be honest, it's just quite niche. And
17:57
Speaker 4: I know that it was actually brought up in the
17:59
Speaker 4: Facebook group really recently. But the whole idea of looking
18:03
Speaker 4: at Victoria's career I think is super interesting.
18:07
Speaker 2: Oh my god.
18:07
Speaker 4: You didn't think that people found it interesting?
18:10
Speaker 3: Really? Really?
18:12
Speaker 2: Don't YouTube video coming? I doesn't know that YouTube video
18:17
Speaker 2: coming soon. Oh my gosh. I just didn't think anyone
18:21
Speaker 2: was that interested. It's kind of been so what would
18:25
Speaker 2: you say, like here, there, everywhere jagged? I clearly didn't know. Yeah,
18:30
Speaker 2: very nonlinear and just if you want to be a
18:33
Speaker 2: financial advisor, the way I've done it is absolutely not
18:36
Speaker 2: the way. I definitely went the long way. But in
18:40
Speaker 2: saying that, I'm very grateful for the experiences that I
18:42
Speaker 2: have had because I do genuinely think it has made
18:46
Speaker 2: Cheese on the money what it is because I do
18:48
Speaker 2: have in the background two degrees in psychology. Both of
18:51
Speaker 2: those really play into every single thing that we do here.
18:55
Speaker 2: But yeah, all right, maybe, given we've got a money
18:57
Speaker 2: direst asking for I'll do that YouTube video that just
19:00
Speaker 2: told me I had to watch this space. Friends.
19:04
Speaker 3: It feels really strange to say this because you know,
19:07
Speaker 3: we don't really know you. I've only just met you.
19:09
Speaker 3: But I feel like I'm proud of you. I feel
19:11
Speaker 3: like I'm a proud I'm too.
19:13
Speaker 2: Are you allowed to adopt Sibley?
19:16
Speaker 4: Like?
19:16
Speaker 2: Am I allowed to do that? Am I allowed to be?
19:18
Speaker 4: Like?
19:18
Speaker 2: Okay, Caol, So these are all my sisters and these
19:20
Speaker 2: are all my brothers.
19:22
Speaker 3: If you did that with the community, though you have
19:23
Speaker 3: very very expensive on a Christmas Day, I don't do presence.
19:28
Speaker 2: We need to find a religion where we don't do presents.
19:32
Speaker 3: But congratulations on what you've achieved in it. A few
19:34
Speaker 3: of the decisions you've made, because it seems like there's
19:36
Speaker 3: been a couple of setbacks, we've handled it really well
19:39
Speaker 3: and Like I said, I look forward to a seeing
19:42
Speaker 3: how it pans out for you and b finding out
19:43
Speaker 3: what creative intelligence actually means.
19:45
Speaker 2: Yeah, I love that. Thank you so much for jumping
19:48
Speaker 2: on with us. It has been so interesting to learn
19:51
Speaker 2: more about you and I have absolutely no doubt you
19:54
Speaker 2: are going to kill it financially in the foreseeable future.
19:57
Speaker 4: Thank you guys for having me.
20:00
Speaker 2: Now, just before we head off, we'd like to acknowledge
20:02
Speaker 2: and pay respects to Australians, Aboriginal and torrest Right islander peoples,
20:07
Speaker 2: the traditional Custordians of the lands, the waterways and the
20:10
Speaker 2: skies all across Australia. We thank you for caring and
20:13
Speaker 2: for sharing on the land which we are able to learn.
20:16
Speaker 2: We pay our respects to elders past and present, and
20:18
Speaker 2: we share our friendship and our kindness. Now, guys, keep
20:22
Speaker 2: in mind that the advice shared on She's on the
20:24
Speaker 2: Money is general in nature and does not consider your
20:27
Speaker 2: individual circumstances. She's on the Money exists purely for educational
20:31
Speaker 2: purposes and should not be relied upon to make an
20:33
Speaker 2: investment or a financial decision. And we do promise I
20:36
Speaker 2: am actually an authorized representative of Australia Pacific Funds Management
20:40
Speaker 2: Proprietary Limited ABN three four one three two four six
20:44
Speaker 2: three two five seven AFOSL three three eight nine one
20:47
Speaker 2: five one And again thanks to Ryan John and to Beek,
20:51
Speaker 2: our producing legends who whip this show into the show
20:54
Speaker 2: that it is.
20:55
Speaker 3: Yep. If you've got a great story that you think
20:57
Speaker 3: the community would appreciate, send me in email Ryan dot
21:00
Speaker 3: John at She's on the Money dot com dot au
21:02
Speaker 3: and maybe you or someone you know can be on
21:04
Speaker 3: an episode in the future.
21:05
Speaker 2: Thanks for joining friends, See you next week.