Latest / She's On The Money / FRIDAY DRINKS: Corn Flakes and Robot Vacuums

Transcript

FRIDAY DRINKS: Corn Flakes and Robot Vacuums · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:23
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 0:26
  Speaker 2: for millennials who want financial freedom. Welcome back to another
• 0:30
  Speaker 2: one of our Friday Drinks episodes where we get to
• 0:33
  Speaker 2: celebrate the money wins and sometimes the confessions from our
• 0:36
  Speaker 2: She's on the Money community. As always, there are so
• 0:39
  Speaker 2: many great wins in our community. And a little bit later,
• 0:42
  Speaker 2: Ryan will run you through his favorites. But first up,
• 0:46
  Speaker 2: Tony Lodge, what did we do on this Week's Money Diary?
• 0:50
  Speaker 3: This week our Money Diarist was really has come back
• 0:54
  Speaker 3: from her crazy story. She found out that her husband
• 0:58
  Speaker 3: had been cheating on her the whole time they'd been married,
• 1:02
  Speaker 3: and she'd worked really hard on buying investment properties that
• 1:06
  Speaker 3: she then had to sell because she couldn't afford to.
• 1:08
  Speaker 4: Buy him out and so gross.
• 1:10
  Speaker 3: And now she's got three houses on her way to
• 1:13
  Speaker 3: buying her fourth. She's got an investment property which is
• 1:17
  Speaker 3: like a holiday house that makes hers seventy grand a year,
• 1:21
  Speaker 3: Like she's going to retire by the time she's forty,
• 1:24
  Speaker 3: Like it's crazy. So it was a really really great story.
• 1:27
  Speaker 4: I love that.
• 1:27
  Speaker 2: And Jessica Rici, what did we talk about on this
• 1:30
  Speaker 2: week's Wednesday episode.
• 1:32
  Speaker 5: This week we spoke about bankruptcy, which is kind of
• 1:35
  Speaker 5: scary sounding. I honestly did not know a whole lot
• 1:39
  Speaker 5: about it before we recorded this episode, and we spoke
• 1:42
  Speaker 5: just a lot about the potential consequences and the Whens
• 1:46
  Speaker 5: and the wives and the house. Obviously it's a very
• 1:48
  Speaker 5: personal decision. But more than anything, I suppose we also
• 1:52
  Speaker 5: touched on the fact that it's okay if you're going
• 1:54
  Speaker 5: through bankruptcy or if it's something you're considering, it's not
• 1:58
  Speaker 5: a reflection of you as a person. It's just and
• 2:00
  Speaker 5: experience that you are going through, and that is completely fine.
• 2:03
  Speaker 5: If that's what you have to do to put yourself
• 2:05
  Speaker 5: in a positive position to put your best foot forward
• 2:08
  Speaker 5: in the future, then that's what you need to do.
• 2:10
  Speaker 6: Yeah.
• 2:11
  Speaker 2: I feel like it was a really powerful episode, and
• 2:13
  Speaker 2: I've actually had a number of dms since that episode
• 2:16
  Speaker 2: went live of people just asking me questions about that
• 2:19
  Speaker 2: or saying, hey, v thanks for talking about it. I've
• 2:21
  Speaker 2: actually been bankrupt twice, or someone saying, oh, I've done
• 2:24
  Speaker 2: a Part nine dead agreement. I wish i'd known what
• 2:27
  Speaker 2: I knew now, and I wouldn't have never ended up
• 2:30
  Speaker 2: in that situation, and it's so true. But I think
• 2:32
  Speaker 2: that we can't be harsh on ourselves because if we
• 2:35
  Speaker 2: are harsh on ourselves, it's to no end, Like there's
• 2:38
  Speaker 2: no point being upset about what has already happened, but
• 2:41
  Speaker 2: rather going okay, cool, I've learned from that. I'm a
• 2:43
  Speaker 2: better person now, I have more education and the ability
• 2:46
  Speaker 2: to change my life for the better, Like, let's do
• 2:49
  Speaker 2: that instead of being down about what we've already done.
• 2:52
  Speaker 2: So it was actually really nice to have those conversations
• 2:54
  Speaker 2: in my DMS and just knowing that we are having
• 2:56
  Speaker 2: an impact, especially during lockdown, like I'm not gonna lie, Tony.
• 3:00
  Speaker 2: I have loved having those conversations and getting a little
• 3:03
  Speaker 2: bit of our human contact during lockdown. But at the
• 3:06
  Speaker 2: same time, I know that these are such important topics
• 3:09
  Speaker 2: to cover, and Jess, I remember you and I were like, oh,
• 3:12
  Speaker 2: like are we not addressing enough or are we addressing
• 3:15
  Speaker 2: it too much?
• 3:16
  Speaker 4: Or is this too dry?
• 3:17
  Speaker 2: But I think these things are so important to talk about,
• 3:20
  Speaker 2: even if sometimes you're like okay, like I'm not bankrupt.
• 3:23
  Speaker 2: I don't know why I would have listened to that episode, Victoria.
• 3:26
  Speaker 2: It's kind of like, well, actually, you might never go bankrupt,
• 3:29
  Speaker 2: but I'm sure that someone in your family or your
• 3:32
  Speaker 2: inner circle might experience that. And how helpful is it
• 3:35
  Speaker 2: to have that knowledge to go, actually, hey, I know
• 3:37
  Speaker 2: you're going through that, but here's some hot tips, or
• 3:40
  Speaker 2: here's a resource, or here's what I know, so that
• 3:42
  Speaker 2: that person feels a bit more supported. I genuinely think that,
• 3:46
  Speaker 2: regardless of whether it applies to you, when it comes
• 3:49
  Speaker 2: to money, it's so powerful to just have as much
• 3:52
  Speaker 2: knowledge as possible, for sure. So with that, Ryan John,
• 3:56
  Speaker 2: let's lift the mood. What money wins have you got
• 3:59
  Speaker 2: from the community this week to share with us?
• 4:01
  Speaker 6: I've got a question.
• 4:02
  Speaker 7: V I know it's like tax return time, and we'll
• 4:04
  Speaker 7: get to that in a second, but is it also
• 4:07
  Speaker 7: it might just be a massive coincidence. Is it also
• 4:09
  Speaker 7: time that time of the year when people will sit
• 4:12
  Speaker 7: down with their boss and chat about stuff like the
• 4:14
  Speaker 7: new financial year? Because there seems to be a lot
• 4:16
  Speaker 7: of stories with like I've just sat down with my
• 4:17
  Speaker 7: boss for my yearly or six monthly review or something.
• 4:20
  Speaker 2: Yeah. I've actually had a couple of my girlfriends call
• 4:22
  Speaker 2: me and say, hey, they just wondering because obviously that's
• 4:26
  Speaker 2: what my friends use me for. I'm just wondering how
• 4:29
  Speaker 2: would I start that conversation or last year, my bos
• 4:32
  Speaker 2: didn't give me enough time to talk about it and
• 4:34
  Speaker 2: just like breezed over it in ten minutes. But I
• 4:35
  Speaker 2: want to have an hour conversation and actually talk about
• 4:38
  Speaker 2: my performance. How do I bring that up? And I
• 4:40
  Speaker 2: feel like they're really abundant. I think it makes sense,
• 4:42
  Speaker 2: like us submitting our tax returns is kind of like
• 4:45
  Speaker 2: the solidification of exactly what we earned in the last
• 4:47
  Speaker 2: financial year, and you kind of look at it and go, oh,
• 4:50
  Speaker 2: maybe I should review that, or maybe I should update
• 4:53
  Speaker 2: or have the conversation. But I think it is you know,
• 4:56
  Speaker 2: I think it's quite topical.
• 4:58
  Speaker 7: Well, this morning, Nancy had her performance review and her
• 5:01
  Speaker 7: employer is giving her an extra ten percent.
• 5:06
  Speaker 4: That is so much money.
• 5:08
  Speaker 6: Well done, Nancy.
• 5:11
  Speaker 7: Rise guys, well you know the boss.
• 5:16
  Speaker 4: She's so terrible. I can't approach her.
• 5:19
  Speaker 6: Sarah had her chat as well.
• 5:21
  Speaker 7: She has just got her first full time job recently,
• 5:23
  Speaker 7: so she must have finished university last year. She's fresh
• 5:25
  Speaker 7: into the workforce, and this week was her meeting about
• 5:29
  Speaker 7: how she's going during probation, and she was supposed to
• 5:32
  Speaker 7: do a six month probation and she's only about three
• 5:35
  Speaker 7: months in and they said, hey, probation's over. The job
• 5:38
  Speaker 7: is yours. Well done. Here's a pay rise as well.
• 5:40
  Speaker 7: You're doing such a great job.
• 5:42
  Speaker 6: Well done.
• 5:42
  Speaker 4: Sarah so excited.
• 5:44
  Speaker 7: All right, Ali has what she says, a money win
• 5:46
  Speaker 7: and a yummy win together. So instead of throwing out
• 5:51
  Speaker 7: the veggie scraps last night, I added them to boiling water,
• 5:53
  Speaker 7: making the best veggie stock I've ever tasted, way better
• 5:56
  Speaker 7: than the store, and it made me feel so good
• 5:58
  Speaker 7: about not wasting all the food that's in my fridge
• 6:01
  Speaker 7: in my freezer.
• 6:02
  Speaker 4: Genius, what is the idea?
• 6:04
  Speaker 6: I saw this meme.
• 6:04
  Speaker 7: I don't know if I mentioned it to you guys
• 6:06
  Speaker 7: last week, but I saw this meme that was like,
• 6:07
  Speaker 7: as soon as lockdown gets extended, I've immediately become allergic
• 6:10
  Speaker 7: to any food it's in the fridge.
• 6:13
  Speaker 2: The same same, but a way to do veggie stock
• 6:16
  Speaker 2: more sustainably, because obviously not many of us actually eat
• 6:19
  Speaker 2: enough veggies in one sitting to have enough scraps to
• 6:22
  Speaker 2: make stock, right, is like a big ziplock bag, or
• 6:25
  Speaker 2: like one of those stash of silicon bags in your
• 6:27
  Speaker 2: freezer that you always add your veggie scraps to and
• 6:30
  Speaker 2: then when it's full, then you make stock because you've
• 6:33
  Speaker 2: been stockpiling it for a while, so stock stock styling.
• 6:39
  Speaker 2: But if you want to do that, you can absolutely
• 6:41
  Speaker 2: do it. You don't have to always be feeding a
• 6:43
  Speaker 2: family of twelve for the scraps.
• 6:45
  Speaker 6: All right. Well, Jay has a money in, she said.
• 6:47
  Speaker 7: In the last ten months she's been doing a traineeship,
• 6:50
  Speaker 7: which has been earning next to nothing, but she knows
• 6:52
  Speaker 7: it's an investment. She's learning new skills. It's fine. She
• 6:55
  Speaker 7: has just past the trainee ship. She's now been employed
• 6:57
  Speaker 7: by the person training her, so assive pay rise and
• 7:01
  Speaker 7: she now gets a car expense as part of her job.
• 7:04
  Speaker 7: So as well as more money, she was driving a
• 7:06
  Speaker 7: lot with her own car. They're like, here's the keys
• 7:08
  Speaker 7: to the own your own work truck. Well done, welcome
• 7:11
  Speaker 7: to the team. Officially love that.
• 7:13
  Speaker 4: How exciting for.
• 7:14
  Speaker 7: You, Georgia says, So hairdressers, I feel like hairdresses more
• 7:18
  Speaker 7: than anyone else, and probably the beauty industry in general.
• 7:21
  Speaker 7: When we're in lockdown, they are really stuck between a
• 7:24
  Speaker 7: rock and a half place because they can't do much
• 7:26
  Speaker 7: people can't come and see them.
• 7:27
  Speaker 6: Georgia, you can't.
• 7:28
  Speaker 2: Even pivot that well, like you know how heaps of
• 7:31
  Speaker 2: the restaurants and stuff are now doing takeaway food or
• 7:33
  Speaker 2: like the provade or boxes or whatever. I just feel
• 7:36
  Speaker 2: like you can't run, As you said before, what can't you.
• 7:38
  Speaker 6: Get take away haircut? Guys?
• 7:40
  Speaker 4: I just feel like you can't get a drive through,
• 7:42
  Speaker 4: you know.
• 7:43
  Speaker 6: Get a wax for the road. Thanks, guys. You know
• 7:44
  Speaker 6: what you can do though, So.
• 7:47
  Speaker 4: What can you do, Jess? Do we really want to know.
• 7:50
  Speaker 6: What spending your time? Mate? No?
• 7:55
  Speaker 5: I saw a local hairdress doing this and I thought
• 7:57
  Speaker 5: it was such a good idea. So if anyone is
• 7:59
  Speaker 5: a hair us up, they're doing take home die kids.
• 8:03
  Speaker 5: So for like all their clients who are blonde, for example,
• 8:05
  Speaker 5: they give you like a little bowl at a brush
• 8:07
  Speaker 5: and your custom color that you would normally get with
• 8:10
  Speaker 5: them pre mix, and then they give you the instructions
• 8:13
  Speaker 5: or a video and you can do it at.
• 8:14
  Speaker 7: Home all right for Friday drinks next week. We'll all
• 8:18
  Speaker 7: bleach your hair blond for next week.
• 8:19
  Speaker 4: Oh no, no, no, no, no, sounds good. It sounds good.
• 8:23
  Speaker 4: Do you know what?
• 8:23
  Speaker 2: Even if I was blonde, I don't think I could
• 8:25
  Speaker 2: trust myself with that at all ever, Like I would
• 8:28
  Speaker 2: mess it up and I would be balled, So I
• 8:32
  Speaker 2: would live with the regrowth.
• 8:34
  Speaker 6: All right.
• 8:34
  Speaker 7: Well, George just said that she was at a loss
• 8:36
  Speaker 7: of what to do with money. She was a bit
• 8:37
  Speaker 7: down in the dumps. But her partner is a trade,
• 8:40
  Speaker 7: and a trade where you don't need qualifications. I think
• 8:42
  Speaker 7: they do like insurance jobs where they like do repairs
• 8:44
  Speaker 7: and stuff like that. And she went and started working
• 8:47
  Speaker 7: with her partner and they're working, earning heaps of money together,
• 8:50
  Speaker 7: having a good time. And she's like, I'm making the
• 8:52
  Speaker 7: best out of a bad situation and I'm actually enjoying
• 8:54
  Speaker 7: hanging out with.
• 8:55
  Speaker 6: The boys on the work site, which is a bit
• 8:57
  Speaker 6: of a legend. A quick one from Sammy, she said,
• 9:01
  Speaker 6: money win.
• 9:02
  Speaker 7: After four years of paying it off, my credit card
• 9:05
  Speaker 7: is gone, done, dusted, chopped up, account closed, thank you
• 9:09
  Speaker 7: very much, a yay.
• 9:12
  Speaker 6: How good is that?
• 9:13
  Speaker 2: Imagine slogging away for four years and then be able
• 9:16
  Speaker 2: to celebrate with the community.
• 9:18
  Speaker 7: Boom, well done, Sammy. Holly is in Canberra and she said,
• 9:21
  Speaker 7: we're finally in lockdown. I feel included.
• 9:25
  Speaker 4: Nobody wants that.
• 9:26
  Speaker 6: Holly you know, I like cute from Canberra, my old hometown.
• 9:30
  Speaker 2: It's like when you're in high school and all the
• 9:32
  Speaker 2: cool kids we're getting braces, so I wanted braces.
• 9:35
  Speaker 4: Like they're not cool, they're expensive. There are money loss.
• 9:38
  Speaker 6: Well, Holly says money win for me.
• 9:40
  Speaker 7: I've been paying eleven dollars a day on parking, so
• 9:43
  Speaker 7: fifty five dollars a week for years, and now I'm
• 9:45
  Speaker 7: saving that money and it's going straight to my emergency fund.
• 9:48
  Speaker 6: So well done, Holly, so good. Now.
• 9:50
  Speaker 7: One of my favorite money wins ever, and one of
• 9:52
  Speaker 7: the great hacks of life I think is buying a
• 9:56
  Speaker 7: present for your partner that you know that you're going
• 9:58
  Speaker 7: to get a lot of value out of yourself.
• 10:00
  Speaker 2: Here, I was thinking that Ryan would say, it's the
• 10:03
  Speaker 2: five dollar a day pretend you're not going to drink
• 10:05
  Speaker 2: coffee hack?
• 10:06
  Speaker 6: Oh do you want me to Are you asking for
• 10:08
  Speaker 6: an update?
• 10:08
  Speaker 7: Bee?
• 10:08
  Speaker 6: Yeah?
• 10:08
  Speaker 5: Yeah?
• 10:09
  Speaker 6: Yeah?
• 10:09
  Speaker 4: How much is in your spaceship account?
• 10:11
  Speaker 6: So this is from five dollars a day for not
• 10:12
  Speaker 6: drinking coffee, which I may be.
• 10:13
  Speaker 4: Back onto since the new year, right.
• 10:16
  Speaker 7: Since the new year, I now have one thousand, six
• 10:18
  Speaker 7: hundred and forty five dollars in that count. So Lauren
• 10:24
  Speaker 7: bought her partner in Inverted Commons a coffee machine for
• 10:27
  Speaker 7: their kitchen.
• 10:30
  Speaker 6: Yeah, goodbye, Bud, she says. I swear he wanted it.
• 10:34
  Speaker 6: I swear, she said to the comments.
• 10:36
  Speaker 7: Now, instead of paying five dollars fifty for a bought
• 10:39
  Speaker 7: coffee every day, I'm on the pods. It's so much cheaper.
• 10:41
  Speaker 7: I make it at home. It tastes just as great,
• 10:43
  Speaker 7: and she's saving a heap of money. So well done, Lauren.
• 10:45
  Speaker 7: Kate says, my husband buys a six pack of musley
• 10:49
  Speaker 7: bars every week to take to work and leave in
• 10:51
  Speaker 7: the work car.
• 10:51
  Speaker 6: But this week his six pack had seven musley bars.
• 10:55
  Speaker 7: Well, and she's like, he's bloody stoked as well, says
• 11:01
  Speaker 7: Kate of her husband.
• 11:02
  Speaker 4: Well, wouldn't you be. It's free food. Everybody loves free
• 11:05
  Speaker 4: food absolutely.
• 11:06
  Speaker 7: And finally, Sarah said, at the yogat place called you
• 11:10
  Speaker 7: get it so good?
• 11:12
  Speaker 5: I think, I know what are they yoga bar? It's yeah,
• 11:16
  Speaker 5: it's frozen yogurt, but I don't want to say it
• 11:18
  Speaker 5: because it's very yoga.
• 11:20
  Speaker 4: I think her winner is.
• 11:21
  Speaker 6: Like a shop, but like for frozen yogurt and stuff
• 11:24
  Speaker 6: like that.
• 11:24
  Speaker 2: So frozen yoga here, I am thinking you just got
• 11:27
  Speaker 2: like tubs of trobamie or something.
• 11:30
  Speaker 6: I mean, they've probably got that cool nice.
• 11:33
  Speaker 7: They've got a competition at the moment called Yo, guess
• 11:36
  Speaker 7: it you get it And Sarah correctly guess the weight
• 11:39
  Speaker 7: of her frozen yogurt and got it for free.
• 11:42
  Speaker 5: That's an amazing I think they have that most of
• 11:45
  Speaker 5: the time, or at least they used to when there
• 11:46
  Speaker 5: was one near my work.
• 11:47
  Speaker 4: And it's so good.
• 11:48
  Speaker 5: And if you get a really kind person behind the
• 11:51
  Speaker 5: bar when you're trying to guess, they'll kind of you'll
• 11:54
  Speaker 5: be like, oh, like, I think it's maybe like four
• 11:57
  Speaker 5: hundred grams and.
• 11:58
  Speaker 4: They'll be like, oh, like, do you really You in
• 12:04
  Speaker 4: the right direction?
• 12:05
  Speaker 6: All right?
• 12:06
  Speaker 7: And the final money win is hasn't happened yet. It
• 12:10
  Speaker 7: is a future money win.
• 12:12
  Speaker 4: Some claim future money wins.
• 12:14
  Speaker 7: Can you when you find out what it is?
• 12:18
  Speaker 2: You actually no, I did know about this. This is
• 12:20
  Speaker 2: absolutely a future money win.
• 12:21
  Speaker 7: Sorry, Ryan, someone from our group is gonna win and
• 12:25
  Speaker 7: I robot Rumba, which is incredibly awesome. Now I believe
• 12:29
  Speaker 7: as well as someone from the group gonna win one
• 12:31
  Speaker 7: of these, we actually have one in the office. Jess
• 12:34
  Speaker 7: and Ve won't shut up about it, so.
• 12:36
  Speaker 4: Please literally Jeeves. I gave mine a name.
• 12:40
  Speaker 2: And anyway, Jess and I were talking to the people
• 12:42
  Speaker 2: from I Robot and they sent me in I Robot
• 12:45
  Speaker 2: rumba I seven plus for my house so that it
• 12:48
  Speaker 2: could clean up after Lucy. Because I cannot tell you,
• 12:51
  Speaker 2: I had two cats. So I was always like, you
• 12:53
  Speaker 2: know what, it's not actually that bad having pets in
• 12:56
  Speaker 2: the house, Like what do people mean when they're complaining
• 12:59
  Speaker 2: about like pet furd being everywhere. I now have a
• 13:01
  Speaker 2: dog who doesn't drop any fur, yet my house is
• 13:04
  Speaker 2: full of debris always, like I do not understand. I
• 13:07
  Speaker 2: feel like she just goes outside, picks up piles of
• 13:11
  Speaker 2: dirt and then just throws it around my house.
• 13:12
  Speaker 5: I'm convinced when I have a boyfriend who's exactly the same.
• 13:16
  Speaker 2: Exactly anyway, so I got sent the I seventh plus.
• 13:20
  Speaker 4: So this bougie little I.
• 13:21
  Speaker 2: Robot that has its own docking station, and it like
• 13:24
  Speaker 2: even empties itself, Like Ryan, I cannot even this thing
• 13:27
  Speaker 2: empties itself and I just have to put it in
• 13:29
  Speaker 2: the bin. Anyway, Lucy loves it. My cat has stood
• 13:33
  Speaker 2: on it. I put that on my Instagram. He's trying
• 13:35
  Speaker 2: to do that thing where he rides the roomb around.
• 13:37
  Speaker 6: That when you mean trying to catch a lyft to
• 13:40
  Speaker 6: the bathroom.
• 13:41
  Speaker 4: Because we're trying to catch a lyft on it.
• 13:43
  Speaker 2: And we also got one for the office, which we
• 13:46
  Speaker 2: have had fun, you know, just testing it and when I.
• 13:49
  Speaker 4: Test it, sending drinks to people.
• 13:51
  Speaker 2: Yeah, you can put drinks on top of it and
• 13:53
  Speaker 2: it goes to your friend. I'm not saying that that's it.
• 13:55
  Speaker 2: It does a really good job of vacuuming because Jess
• 13:58
  Speaker 2: and I really like to eat chips at our desk
• 14:00
  Speaker 2: and those are really crumbly is not the point, but
• 14:03
  Speaker 2: really crumbly. But we also tested it out by hiding
• 14:06
  Speaker 2: bits of paper around the office and then seeing if
• 14:08
  Speaker 2: it actually got it.
• 14:09
  Speaker 4: And it did.
• 14:10
  Speaker 5: Yeah, So obviously Victoria, as always has gone for the bootiest,
• 14:13
  Speaker 5: fanciest thing.
• 14:14
  Speaker 2: However, love me, I didn't have any choice by choice.
• 14:17
  Speaker 4: I mean, I asked for that one.
• 14:18
  Speaker 5: But if you don't need the boogiest one like Victoria does,
• 14:21
  Speaker 5: there are a whole range of models that do very
• 14:23
  Speaker 5: similar things. In the office, We've got the I three
• 14:26
  Speaker 5: plus and that empties itself. I think it's just such
• 14:29
  Speaker 5: a time saving thing. It's obviously I'm saving you guys.
• 14:32
  Speaker 5: It's not saving time if you're setting up competitions for
• 14:34
  Speaker 5: yourself to see.
• 14:35
  Speaker 6: It in the office.
• 14:36
  Speaker 4: Okay, excited about it anyway.
• 14:39
  Speaker 2: I named the one that I have at home Jeeves,
• 14:42
  Speaker 2: because obviously Jeeves the butler makes sense. And I've set
• 14:46
  Speaker 2: it up and Jeeves goes around the house and cleans
• 14:49
  Speaker 2: the house so I don't have to. So that's time saving.
• 14:51
  Speaker 4: Is it not, Ryan?
• 14:52
  Speaker 6: Yeah, that sounds good.
• 14:53
  Speaker 5: It's really great because obviously it is a luxury product.
• 14:56
  Speaker 5: But I think there's something to be said for when
• 14:58
  Speaker 5: you think about these purchases and we s people talk
• 15:00
  Speaker 5: about a lot in the group where they're like, oh,
• 15:01
  Speaker 5: I've been saving so hard, but I don't want to
• 15:03
  Speaker 5: part with money, or you know, I want to purchase design,
• 15:06
  Speaker 5: but I'm not sure. For us, this is very much
• 15:09
  Speaker 5: like alleviating a mental load. And so when you have
• 15:13
  Speaker 5: so many people in the office, especially or even as
• 15:16
  Speaker 5: you were saying, the at home, when you have pets
• 15:17
  Speaker 5: running around to people when it's not COVID lockdown, things
• 15:20
  Speaker 5: build up. And I'm the kind of person where mess
• 15:24
  Speaker 5: really stresses me out. Our office does more often than
• 15:27
  Speaker 5: not become a bit of a bomb site and being able.
• 15:30
  Speaker 5: We are very tidy, don't attack Tony and we do
• 15:34
  Speaker 5: our vest but like being able to use some of
• 15:36
  Speaker 5: the functionalities, so like with the room, but you can
• 15:38
  Speaker 5: set it to clean at the same time every week,
• 15:41
  Speaker 5: so like we have our set to go around twice
• 15:43
  Speaker 5: a week on the same day, and it just really
• 15:46
  Speaker 5: makes a big difference knowing that that's one less thing
• 15:48
  Speaker 5: that you have to think about. And I think that
• 15:49
  Speaker 5: if it's taking that mental load off of you and
• 15:53
  Speaker 5: making you feel better, it is worth the investment to
• 15:56
  Speaker 5: me personally. And I'm so excited because we get to
• 16:00
  Speaker 5: take that mental load off of somebody else. We have
• 16:02
  Speaker 5: one of the I seven Pluses to give away the fanciest, bougiest,
• 16:07
  Speaker 5: most insane robot backing could ever think of. It empties itself.
• 16:10
  Speaker 2: You don't have to literally empties itself. You just have
• 16:13
  Speaker 2: to put the rubbish in the bin. I cannot even.
• 16:16
  Speaker 5: So we have a post up on our Instagram. If
• 16:18
  Speaker 5: you would like to win, definitely go and check that
• 16:20
  Speaker 5: out because you guys, it changed my life.
• 16:22
  Speaker 4: Literally, you can't win the robot. I'm so sorry. Oh
• 16:28
  Speaker 4: I wish I could a load. I wish that I
• 16:30
  Speaker 4: could give everybody a rebace.
• 16:31
  Speaker 5: I could give every person in this world a rumor.
• 16:33
  Speaker 4: I absolutely would.
• 16:34
  Speaker 6: Oh that's nice, Jess.
• 16:36
  Speaker 2: Well we'll have a chat with my robot about getting
• 16:43
  Speaker 2: new one, but not entering you in the competition, because
• 16:46
  Speaker 2: that would be grossly unfair.
• 16:48
  Speaker 6: Yeah, that's fair.
• 16:49
  Speaker 8: Okay, imagine Tony won the room.
• 17:00
  Speaker 6: All right.
• 17:01
  Speaker 7: So I mentioned before it's tax return season. Lots of
• 17:03
  Speaker 7: people are coming into a little bit of cash. Ole,
• 17:06
  Speaker 7: I've got a money win to share, and it's a
• 17:07
  Speaker 7: bit of a brag. It's not like a Q one,
• 17:09
  Speaker 7: it's legit.
• 17:09
  Speaker 6: All right.
• 17:10
  Speaker 4: What's your money in.
• 17:11
  Speaker 6: My tax return? Three? Two hundred dollars?
• 17:15
  Speaker 4: So much money's Richie mcreach.
• 17:17
  Speaker 7: I think because I started a new job midyear, and
• 17:20
  Speaker 7: I started at like this is my second job rate,
• 17:22
  Speaker 7: So I started at the higher bread. You know that
• 17:23
  Speaker 7: I was paying a bit too much for that sort
• 17:25
  Speaker 7: of thing, thank you summer breakfast with Kiss.
• 17:28
  Speaker 6: So I got a little bit back.
• 17:30
  Speaker 7: But I know a lot of people via coming into
• 17:33
  Speaker 7: a couple of thousand bucks, a five hundred bucks maybe
• 17:35
  Speaker 7: money they weren't planning on, and a pleasantly surprised. So
• 17:38
  Speaker 7: I guess my question is when we come into you know,
• 17:42
  Speaker 7: a couple of thousand dollars, it's significant, but it's not
• 17:45
  Speaker 7: a go and buy a boat or a house type
• 17:47
  Speaker 7: of money.
• 17:47
  Speaker 2: But so many of us want to go buy boats
• 17:50
  Speaker 2: in houses and expensive designer purses and things that we
• 17:53
  Speaker 2: definitely wouldn't justify at any other point in the year
• 17:55
  Speaker 2: because we somehow think that our tax return is free money.
• 18:00
  Speaker 7: Well that I always get weird with this because I think, oh,
• 18:03
  Speaker 7: I've paid too much earlier. It's just they're giving me
• 18:05
  Speaker 7: money back, and I'm an idiot. But I mean, how
• 18:07
  Speaker 7: you see your tax returns?
• 18:08
  Speaker 2: Up to you your tax return. I feel like we're
• 18:11
  Speaker 2: going to have a different point of view from this
• 18:13
  Speaker 2: side of the table. Jess, what do you do with
• 18:15
  Speaker 2: your tax return? Usually mine went straight to my house
• 18:18
  Speaker 2: deposit fund. Okay, she's smart to do your taxt Tony,
• 18:24
  Speaker 2: what are you doing with your tax returns?
• 18:27
  Speaker 3: So this year it is planned to go straight onto
• 18:30
  Speaker 3: paying off the last of our credit card debt.
• 18:32
  Speaker 4: I haven't got.
• 18:33
  Speaker 3: I don't know, so that is actually very responsible. But
• 18:36
  Speaker 3: normally I har it. I go all right, I'm going
• 18:38
  Speaker 3: to have half fun and half adults.
• 18:42
  Speaker 2: But that's not free money, Like, that's your money that
• 18:45
  Speaker 2: you've overpaid and then you get it back.
• 18:47
  Speaker 4: It's literally your savings.
• 18:49
  Speaker 2: It actually baffles me how many people are like, oh yeah,
• 18:52
  Speaker 2: like I always buy a designer bag with.
• 18:54
  Speaker 7: Aggressive language, Victoria Devine, I am being aggressive because.
• 18:58
  Speaker 2: You have such an opportunity to child your wealth or
• 19:00
  Speaker 2: your debt repayments or create something that you didn't have before.
• 19:05
  Speaker 2: And I'm so sick of this. You know, maybe I'm
• 19:07
  Speaker 2: being a bit ranty today, but I'm so sick of
• 19:10
  Speaker 2: this treat yourself mentality. And you've worked so hard for
• 19:13
  Speaker 2: twelve months and then you're given this opportunity Ryan, Like,
• 19:16
  Speaker 2: you've got an extra three two hundred dollars and I
• 19:19
  Speaker 2: know you're going to be responsible for it. And I
• 19:21
  Speaker 2: hope that that's because you work with She's on the money, Like,
• 19:24
  Speaker 2: I just hope that that's us, Like.
• 19:25
  Speaker 4: It's Tony, It's just it's eye.
• 19:27
  Speaker 2: We've just had such a good impact on you that
• 19:29
  Speaker 2: you're going to be a responsible human this year. But
• 19:32
  Speaker 2: so many people see it and they're like, oh my gosh,
• 19:34
  Speaker 2: three two hundred dollars to treat myself instead of setting
• 19:37
  Speaker 2: themselves up for the future. And so many people are
• 19:40
  Speaker 2: doing this even though they don't have an emergency fund,
• 19:42
  Speaker 2: or maybe they still have some money on a credit card,
• 19:44
  Speaker 2: and it's kind of like the opportunity to give yourself
• 19:47
  Speaker 2: or future you a leg up. And so I think
• 19:50
  Speaker 2: Tony your genius using your tax recievement.
• 19:53
  Speaker 6: You very much.
• 19:54
  Speaker 4: You're welcome.
• 19:55
  Speaker 3: I'm opposed to child for financial responsibility.
• 20:00
  Speaker 2: So sexy, I really like it. We're going to see
• 20:03
  Speaker 2: that on tram stops all around the city soon. Guys,
• 20:05
  Speaker 2: why is Tony the post a child for financial responsibility?
• 20:08
  Speaker 4: And I'm a loser because I decided was responsible Jess.
• 20:17
  Speaker 2: Like, Jess is so good with money, so good with savings,
• 20:20
  Speaker 2: and we all kind of look at her with envy,
• 20:22
  Speaker 2: like she's just a little money wizard.
• 20:24
  Speaker 4: So, no, you're not cool, Jess. I'm sorry. I'm okay
• 20:27
  Speaker 4: with that.
• 20:27
  Speaker 2: No, you absolutely are. But Tony, I agree with you.
• 20:30
  Speaker 2: Paying off debt is so important and data from the ABS,
• 20:34
  Speaker 2: so the Australian Bureau of Statistics actually tells us that
• 20:37
  Speaker 2: a really large percentage of Australian households.
• 20:39
  Speaker 4: Currently have some form of debt.
• 20:42
  Speaker 2: So I think it would be quite smart to put
• 20:44
  Speaker 2: yourself in a situation where you could smash some of
• 20:46
  Speaker 2: that down or put yourself in a more preferable position.
• 20:50
  Speaker 2: And then if you don't have any debt, because as
• 20:52
  Speaker 2: you guys know, paying off debt is an investment in itself,
• 20:56
  Speaker 2: we should be prioritizing that over saving. But the next
• 21:00
  Speaker 2: one would be saving. If you don't already have an
• 21:03
  Speaker 2: emergency fund, I would be working on that. If you've
• 21:06
  Speaker 2: already got an emergency fund, saving for something in the
• 21:08
  Speaker 2: future and putting it away for a rainy day or
• 21:11
  Speaker 2: even just fluffing up your emergency account is amazing because
• 21:14
  Speaker 2: you never know when you're going to need it, especially
• 21:16
  Speaker 2: during and I hate this word unprecedented times, but it's
• 21:21
  Speaker 2: so true right other people. And this is kind of
• 21:24
  Speaker 2: like a double money when are you ready? So some
• 21:27
  Speaker 2: people from our community are kind of doing a double
• 21:29
  Speaker 2: money win. They're getting their tax back and putting it
• 21:32
  Speaker 2: into their supranuation as a voluntary contribution, which wait, you
• 21:39
  Speaker 2: can claim on your tax return next year.
• 21:41
  Speaker 4: Oh my god, Jane.
• 21:42
  Speaker 3: It's like the best kind of cycle.
• 21:46
  Speaker 4: Money cycle. Anyway.
• 21:48
  Speaker 2: I feel like this is important to understand because, as
• 21:51
  Speaker 2: we've spoken about before, it's actually super easy to do
• 21:53
  Speaker 2: voluntary contributions into your supranuation fund. You can usually be
• 21:57
  Speaker 2: pay them or just transfer them via bank transfer.
• 22:00
  Speaker 4: I feel like.
• 22:00
  Speaker 2: People think that transferring money to your super is much
• 22:03
  Speaker 2: harder than it actually is. It's literally like paying a
• 22:06
  Speaker 2: bill online. So that could be something that you consider. Obviously,
• 22:11
  Speaker 2: this is she's on the money and I'm obsessed with investing,
• 22:15
  Speaker 2: So you could start your investing journey or look at ETFs,
• 22:18
  Speaker 2: or you could buy some shares or dabble with our
• 22:21
  Speaker 2: friends at shares. EA's like, it's one of those things
• 22:24
  Speaker 2: where you've got this opportunity to start creating wealth. And
• 22:27
  Speaker 2: you know, if you haven't had money before that you've
• 22:29
  Speaker 2: been comfortable to allocate towards investing, maybe now is the
• 22:33
  Speaker 2: time to dip your toes in the water, or Tony,
• 22:35
  Speaker 2: I think we also need to give permission to people
• 22:38
  Speaker 2: to treat themselves a little bit as well. After all
• 22:41
  Speaker 2: that we've been through, it has been a really hard year.
• 22:43
  Speaker 2: So I wouldn't say no to people allocating a small
• 22:46
  Speaker 2: amount of that some online shopping or a nice takeaway
• 22:50
  Speaker 2: dinner or something so that they can actually enjoy life
• 22:53
  Speaker 2: as well. So I'm not saying, don't ever treat yourself,
• 22:56
  Speaker 2: but like, let's prioritize wealth creation, let's prioritize looking after
• 23:00
  Speaker 2: future us. But also let's not forget about the journey
• 23:03
  Speaker 2: that we're on now and actually enjoy what we're going
• 23:05
  Speaker 2: through at the same time, because as always, it is
• 23:08
  Speaker 2: not about the destination.
• 23:09
  Speaker 4: It is about the journey. Thank you Miley.
• 23:12
  Speaker 6: Todays time, it's about the club.
• 23:15
  Speaker 4: Someone could sing that that would be great. It's the club. Okay,
• 23:20
  Speaker 4: I didn't mean.
• 23:20
  Speaker 2: That literally, but sorry, that was really nice. But that
• 23:23
  Speaker 2: is where I'm going to wrap my tax return round
• 23:25
  Speaker 2: because I think that you guys are probably sick of
• 23:27
  Speaker 2: hearing it. So wrapping that up, let's move on to
• 23:30
  Speaker 2: one of my favorite topics of this month, and that
• 23:32
  Speaker 2: is accountability.
• 23:33
  Speaker 4: August.
• 23:34
  Speaker 2: Let's do a quick round table and check in with everybody.
• 23:37
  Speaker 4: Ryan John, how are you going?
• 23:40
  Speaker 7: I was hoping you would not go with me. First,
• 23:43
  Speaker 7: you looked maybe forget about it. My accountability August challenge
• 23:47
  Speaker 7: was no Uber eats for a whole month of my life.
• 23:50
  Speaker 7: I feel like within six hours of that comment being made,
• 23:56
  Speaker 7: we were plunged into lockdown. And as we've said many
• 24:00
  Speaker 7: times before, we obviously go into lockdown and become allergic
• 24:04
  Speaker 7: to any food that's in our fridge or freezer and
• 24:07
  Speaker 7: just want to So it's a.
• 24:09
  Speaker 4: Serious health condition.
• 24:12
  Speaker 1: Apologies.
• 24:13
  Speaker 2: Yeah, like you can see a doctor about that, and
• 24:16
  Speaker 2: they can diagnose you with fridgelitis when you're allergic to
• 24:20
  Speaker 2: every time.
• 24:21
  Speaker 7: I mentioned this conundrum to my dad the other day
• 24:24
  Speaker 7: and my dad said, oh, have you been in lockdown
• 24:26
  Speaker 7: for the last five years?
• 24:27
  Speaker 4: Then, as a forward thinker, you've been playing.
• 24:33
  Speaker 6: Thank you, Rodney.
• 24:34
  Speaker 7: But this is like the lamest thing. I haven't actually
• 24:38
  Speaker 7: ordered Uber Eats. I've used every other app. I've called
• 24:41
  Speaker 7: the store directly, I've used Bridget's phone. I've like stubbornly
• 24:45
  Speaker 7: been like, well, I've got a challenge on I need
• 24:47
  Speaker 7: to use your Yeah. No, it's the biggest cough out.
• 24:49
  Speaker 7: But and I'm not trying to say that I'm winning
• 24:51
  Speaker 7: or doing well, but I just wanted to be noted
• 24:53
  Speaker 7: that I had deleted my app and actually haven't used
• 24:56
  Speaker 7: it since. But I'm still definitely having takeaway three times,
• 25:00
  Speaker 7: so that's probably a D minus.
• 25:02
  Speaker 6: See.
• 25:03
  Speaker 3: I was about to say, well, have you at least
• 25:04
  Speaker 3: been a bit more mindful about it?
• 25:06
  Speaker 7: But last week I was mindful, and then when the
• 25:11
  Speaker 7: extension of the lockdown happened, I was just like, nah,
• 25:14
  Speaker 7: paul a chicken burger in me.
• 25:16
  Speaker 6: I am done. So that's me. So anyway, Jess, have
• 25:19
  Speaker 6: you got something better than my results?
• 25:21
  Speaker 5: I actually don't.
• 25:24
  Speaker 4: She's going to be like, I'm an angel, I'm so
• 25:26
  Speaker 4: good at saving. Look how much money I made, you
• 25:29
  Speaker 4: guys in your faces.
• 25:30
  Speaker 5: I really peaked last week because I remember I said
• 25:34
  Speaker 5: I made a lot of money for everyone playing at home.
• 25:36
  Speaker 5: I'm reselling things I have in my house. Obviously can't
• 25:39
  Speaker 5: use Marketplace because of lockdown, but I've been using deep
• 25:41
  Speaker 5: Hop to sell like clothes and unused baby products and
• 25:44
  Speaker 5: stuff like that. And last week I really peaked and
• 25:46
  Speaker 5: I had almost achieved my goal. This week I have
• 25:49
  Speaker 5: not sold a single item, which is really sad.
• 25:53
  Speaker 4: Just the week is not over. We still have the weekend.
• 25:56
  Speaker 7: You're within thirty or forty dollars of the target for
• 25:59
  Speaker 7: the month.
• 25:59
  Speaker 6: I was still really track.
• 26:01
  Speaker 5: I'm doing Yeah, I'm still on track, but it was
• 26:03
  Speaker 5: really sad. I even like put up a little thing
• 26:05
  Speaker 5: on the weekend, being like, oh, if you spend over.
• 26:07
  Speaker 5: I think it was fifty dollars I'll ship your item
• 26:09
  Speaker 5: for free, like someone's.
• 26:15
  Speaker 3: Literally Jess is on sale, girl, Jess, would it make
• 26:19
  Speaker 3: you feel better if maybe all the people that are
• 26:21
  Speaker 3: in your community are from she's on the money and
• 26:24
  Speaker 3: they're all doing no spend.
• 26:27
  Speaker 1: You can't sell anything.
• 26:31
  Speaker 5: A couple of beautiful girls are from the community, and
• 26:34
  Speaker 5: I have bought for me, Like, oh my gosh, Like
• 26:35
  Speaker 5: I'm so excited. I'm getting such a good deal at
• 26:37
  Speaker 5: the money in for me. But that doesn't like, can
• 26:39
  Speaker 5: we feel a bit better?
• 26:41
  Speaker 6: That's so great.
• 26:42
  Speaker 7: That's almost as good as the fact that Tony just
• 26:44
  Speaker 7: snort laughed at her own joke that.
• 26:47
  Speaker 4: Gets edited out. Guys, I'm not having it. We all
• 26:49
  Speaker 4: know that's I feel like I'm the one that usually
• 26:55
  Speaker 4: snort laughs as well. So you're welcome, thank you, but
• 26:58
  Speaker 4: not at your own job.
• 27:00
  Speaker 7: Gear very impressive, all right, So Jess is coming down
• 27:04
  Speaker 7: to the going to come down to the wire on sales, Tony,
• 27:07
  Speaker 7: where are you at?
• 27:08
  Speaker 6: So?
• 27:09
  Speaker 3: I don't know if anybody saw my post in the group,
• 27:12
  Speaker 3: but I'm doing very very well. My accountability August challenge
• 27:15
  Speaker 3: was to do a no spend month, so no discretionary
• 27:19
  Speaker 3: spending outside of like rent and bills and anything that
• 27:21
  Speaker 3: legally I have.
• 27:22
  Speaker 2: To pay, so we won't be buying beauty products from
• 27:25
  Speaker 2: Jess's deepop.
• 27:26
  Speaker 3: Unfortunately I'm missing out of the deal of a life
• 27:29
  Speaker 3: shop on jess depot. But I did order some emergency
• 27:37
  Speaker 3: grilled on the weekend.
• 27:40
  Speaker 4: Eurgency grilled.
• 27:42
  Speaker 5: Yes, we would, and I'll say it again, we're in
• 27:46
  Speaker 5: a lockdown.
• 27:46
  Speaker 4: It absolutely was an emergency thank you.
• 27:50
  Speaker 3: So yeah, so a bit of takeaway, which I feel
• 27:54
  Speaker 3: like is a lot.
• 27:55
  Speaker 4: Better than we would normally be doing.
• 27:57
  Speaker 3: We'd probably definitely be tucking into the old Uber eats
• 28:00
  Speaker 3: during lockdown to try and give us that serotonin boost.
• 28:04
  Speaker 3: But we I haven't really been doing any shopping, and
• 28:06
  Speaker 3: like I said, I've been just staying offline basically and
• 28:11
  Speaker 3: not looking at things to buy because that's when I
• 28:13
  Speaker 3: just add to cart and I go, oh, that's only
• 28:14
  Speaker 3: fifty dollars off. Well that's only twenty dollars, so I think, yeah,
• 28:18
  Speaker 3: And I've just been so much more mindful. It's like
• 28:20
  Speaker 3: fully changed my mindset around just buying stuff.
• 28:25
  Speaker 4: You're doing such a good job, Tony.
• 28:27
  Speaker 5: I'm so glad.
• 28:28
  Speaker 2: I'm so proud of you as the only team member
• 28:31
  Speaker 2: who's doing really well, it's good.
• 28:32
  Speaker 3: No, jess is definitely doing better than me. I think
• 28:35
  Speaker 3: it's not a competition. We're all just doing.
• 28:37
  Speaker 4: Oh, my most competitive person in our team.
• 28:43
  Speaker 2: You cannot stay with a straight pace that it is
• 28:46
  Speaker 2: not a competition because you came here to win, Jessica, can.
• 28:49
  Speaker 6: You play.
• 28:52
  Speaker 4: The how are you going? Once again? Check your lunch
• 28:55
  Speaker 4: into well? Right right right? So the loophole ever, Yeah,
• 29:01
  Speaker 4: like I.
• 29:02
  Speaker 2: Win, guys, but also really dismal this week, if I'm honest.
• 29:06
  Speaker 4: So we went into.
• 29:07
  Speaker 2: Lockdown and I kind of pivoted what taking lunch to
• 29:10
  Speaker 2: work meant and that changed to no takeaway for lunch
• 29:14
  Speaker 2: and no ordering, no breets, and like I've been doing
• 29:17
  Speaker 2: a bit of door dash and stuff like that. So
• 29:19
  Speaker 2: I'm hidding a bit desperado last week. And I actually
• 29:23
  Speaker 2: had cereal for lunch two days because I couldn't work
• 29:26
  Speaker 2: out what to have from the fridge. So I literally
• 29:29
  Speaker 2: ate corn flakes and oat milk, which is obviously.
• 29:33
  Speaker 7: Someone who can't have wheat, carbs or dairy how to
• 29:36
  Speaker 7: cereal go?
• 29:38
  Speaker 2: I love the Carmen's gluten free musically, and I also
• 29:41
  Speaker 2: adore the gluten free corn flakes, which I then put
• 29:45
  Speaker 2: sugar on top of because health first, and also lack
• 29:48
  Speaker 2: lots of fruits and berries usually, but this was literally
• 29:50
  Speaker 2: just corn flakes and oat milk because I was like
• 29:53
  Speaker 2: a study of it, really and I don't eat noodles
• 29:57
  Speaker 2: or anything like that, so it was really hard. But
• 30:00
  Speaker 2: yesterday I lapsed. I think I was just done, Like
• 30:02
  Speaker 2: I'm done with lockdown. I'm just over it in the
• 30:05
  Speaker 2: same way that I think so many people are. So
• 30:07
  Speaker 2: I ordered some tie takeaway noodles online.
• 30:11
  Speaker 4: Good job.
• 30:12
  Speaker 2: Look, I'm technically I'm still talking lunch to work, so yeah,
• 30:16
  Speaker 2: technically I did. But yeah, I mean I think I've
• 30:21
  Speaker 2: been doing well because old Victoria would never have had
• 30:24
  Speaker 2: cereal for lunch. She would have absolutely gone out and
• 30:27
  Speaker 2: gotten something. But I was like, no, I'm really committed
• 30:30
  Speaker 2: to this, like what's not home that I can eat.
• 30:32
  Speaker 2: That's also, you know, while you're working, especially at home.
• 30:35
  Speaker 2: I don't think I've been nearly as planned as I
• 30:36
  Speaker 2: would have been if I was in the office to
• 30:38
  Speaker 2: take my lunches to work. So I just feel like
• 30:42
  Speaker 2: Cereal was a good option, Like Cereal's a real lunch food, right.
• 30:46
  Speaker 4: I think so.
• 30:47
  Speaker 3: But if there's anybody listening that maybe needs a little
• 30:50
  Speaker 3: bit of inspo around us, some food that you can
• 30:53
  Speaker 3: make and some budget friendly little recipes. We've got a
• 30:57
  Speaker 3: bonus episode coming out tomorrow which is absolutely going to love,
• 31:00
  Speaker 3: which has got, you know, a special little treat coming down,
• 31:04
  Speaker 3: maybe a little downloadable for all of our.
• 31:06
  Speaker 2: Friends out there, and if you're on it, I actually
• 31:10
  Speaker 2: already put it on the website with the Jess. So
• 31:12
  Speaker 2: it's called good Food, Good Mood, and we collabed with
• 31:15
  Speaker 2: our friends at my Millennial Health to write it. But
• 31:18
  Speaker 2: it's not only good Food, Good Mood, it's all budget friendly.
• 31:21
  Speaker 2: So I'm really excited about it, and they did a
• 31:23
  Speaker 2: really good job, and we're super generous by putting it
• 31:26
  Speaker 2: together for us because as you know, hear it, she's
• 31:29
  Speaker 2: on the money. Jess and I literally love cooking, but
• 31:32
  Speaker 2: when we are left for our own devices, I literally
• 31:34
  Speaker 2: set the kitchen on fire. Like that's the nearest documentary
• 31:38
  Speaker 2: video proof. Yeah, it is on my Instagram for those
• 31:41
  Speaker 2: of you who are interested. So we actually need the
• 31:44
  Speaker 2: professionals like my Millennial Health to come in and tell
• 31:46
  Speaker 2: us what to make, and a lot of it doesn't
• 31:49
  Speaker 2: actually involve a gas burner, so that's pretty good.
• 31:53
  Speaker 3: So if you are a bit strapped for ideas for
• 31:55
  Speaker 3: lunches and for snacks and all of that kind of thing,
• 31:58
  Speaker 3: then that's going to be perfect for you. And to
• 32:00
  Speaker 3: our episode that's coming out tomorrow with Jess spen Love,
• 32:04
  Speaker 3: she kind of talks about how you can eat good
• 32:06
  Speaker 3: food to make your mood better, and how you can
• 32:09
  Speaker 3: eat certain things that are going to make you feel
• 32:11
  Speaker 3: better and not so crappy like when we know we've
• 32:14
  Speaker 3: eaten too much Uber Eats and we go, oh, I
• 32:16
  Speaker 3: feel a bit crap about myself.
• 32:17
  Speaker 2: Yeah, And she gave some really good lunch ideas on
• 32:20
  Speaker 2: that episode, and I absolutely did not admit to her
• 32:23
  Speaker 2: that I'd been eating cereal for lunch because I was like, oh, no,
• 32:25
  Speaker 2: I'm a god at eating good food.
• 32:28
  Speaker 4: I'm so smart.
• 32:30
  Speaker 2: And then yeah, I pretended like I was already doing
• 32:32
  Speaker 2: all the things that she said.
• 32:33
  Speaker 4: Were good to do. Yeah, was good.
• 32:36
  Speaker 2: But on that note, Tony, just before we head off,
• 32:38
  Speaker 2: we'd like to acknowledge and pay respect to Australia's Aboriginal
• 32:41
  Speaker 2: and torrest Rate Island. To people's they're the traditional custodians
• 32:45
  Speaker 2: of the lands, the waterways and the skies all across Australia.
• 32:49
  Speaker 2: We thank you for sharing and for caring for the
• 32:51
  Speaker 2: land on which we are able to learn with pair
• 32:53
  Speaker 2: respects to elders past and present, and we share our
• 32:56
  Speaker 2: friendship and our kindness.
• 32:58
  Speaker 3: The advice shared on She's on the Money is generally
• 33:00
  Speaker 3: nature and does not consider your individual circumstances. She's on
• 33:04
  Speaker 3: the Money exists purely for educational purposes and should not
• 33:07
  Speaker 3: be relied upon to making investment or financial decision, and
• 33:11
  Speaker 3: we promise.
• 33:12
  Speaker 4: Victoria Devine is an authorized
• 33:13
  Speaker 3: Representative of Australia Pacific Funds Management Proprietary Limited ABN three
• 33:18
  Speaker 3: four one three two four six three two five seven
• 33:20
  Speaker 3: AFSL three three nine one five one See next week,
• 33:24
  Speaker 3: guys I