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FRIDAY DRINKS: A Special G&J Q&A! · She's On The Money

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Speaker 1: Just before we get started, we'd like to acknowledge and
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Speaker 1: pay respect to Australia's Aboriginal and torrest Rate islander people's.
0:07
Speaker 1: They're the traditional custodians of the lands, the waterways and
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Speaker 1: the skies all across Australia. We thank you for sharing
0:13
Speaker 1: and for caring for the land.
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Speaker 2: On which we are able to learn.
0:17
Speaker 1: We pay respects to elders past and present, and we
0:19
Speaker 1: share our friendship and our kindness.
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Speaker 2: She's on the Money, She's on the Money. Hello, and
0:46
Speaker 2: welcome to She's on the Money, the podcast for leales
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Speaker 2: who want financial freedom. Today's Friday, which means it's time
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Speaker 2: to sit back with the girls with a beve in hand,
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Speaker 2: to unpack our favorite moments from the week, and of
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Speaker 2: course to celebrate you the incredible She's on the Money community,
1:00
Speaker 2: as always, will be sharing our money wins. And it's
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Speaker 2: just me and G this week, so know what that means.
1:06
Speaker 2: It's time for G and JQ and A. We're back.
1:09
Speaker 2: We're going to answer your questions. Nobody's fired us yet,
1:12
Speaker 2: so it seems like going, well, where's Victoria today? Poor dog,
1:16
Speaker 2: she's sick, so you've just got us. I'm very sorry,
1:19
Speaker 2: but hopefully we can answer some cues, have a good
1:23
Speaker 2: time and chat about the week that was exactly right.
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Speaker 3: No financial advice will be given, obviously, because we're just
1:28
Speaker 3: two girls with big hearts, big dreams, but no financial qualifications.
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Speaker 2: So here we are, Jay Rick. What happened on Monday
1:35
Speaker 2: this week? So this week's DIRIS was a really fun one.
1:38
Speaker 2: When we got the briefing sheet from our producer, An
1:41
Speaker 2: Lisa Victoria and I were both just like what it
1:44
Speaker 2: was someone who had been working as an undercover cop.
1:47
Speaker 2: Oh my god? Cool? Right, yeah, very very cool. She
1:51
Speaker 2: had worked as an undercover cop for a number of
1:53
Speaker 2: years and then took leave without pay because understandably, coming
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Speaker 2: back from that she had felt a little bit burnt out.
1:59
Speaker 2: And in the inn trim she did a number of things.
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Speaker 2: She bought a van, traveled Australia, ran into a few
2:05
Speaker 2: minor issues with that, including the van breaking down in
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Speaker 2: the middle of nowhere, right of passage. I feel, yeah,
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Speaker 2: I was gonna say, I don't know if anyone's ever
2:12
Speaker 2: bought a van to travel Australia and not how to
2:14
Speaker 2: break down, so classic. And then she started her own business,
2:17
Speaker 2: which is really cool. So she's running that she's going
2:20
Speaker 2: to take that full time, which is awesome to see.
2:23
Speaker 2: You know that we're all about small beers here, so
2:25
Speaker 2: we love to see that, and just some really cool
2:27
Speaker 2: also insight into a job that I feel like you
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Speaker 2: never hear anything about. Yeah, did you get the goss?
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Speaker 3: Like?
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Speaker 2: Ask lots of interesting questions about it? We did. Obviously,
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Speaker 2: there are really significant limitations on what she could share
2:38
Speaker 2: some of her I guess the cases that she were
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Speaker 2: involved in are still going through the court system and
2:44
Speaker 2: I know, right, so not heaps of goss, but all
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Speaker 2: the rid of goss, so super duper interesting. I would
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Speaker 2: really recommend to listen as always, But gee, whatuld you
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Speaker 2: guys talk about? A Wednesday?
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Speaker 3: So this week Jay Rick, we discussed what to consider
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Speaker 3: when deciding whether to purchase property, if it's something you
3:01
Speaker 3: should wait to do. So we spoke about things like inflation,
3:04
Speaker 3: the grants that are currently available to first home buyers
3:06
Speaker 3: all over the country, how houses compare to apartments as investments,
3:10
Speaker 3: and we spoke about land and how that's usually the
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Speaker 3: most valuable asset in the whole home and land peace.
3:15
Speaker 3: Oh yes, so it was. Yeah, it was really interesting.
3:18
Speaker 3: But I feel like the moral of the story was
3:21
Speaker 3: that basically, the best time to buy isn't determined by
3:24
Speaker 3: the market, It's determined by when's right for you, much
3:26
Speaker 3: like entering the share market. We can't read these things.
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Speaker 3: Things change. So yeah, it was just another good property chat.
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Speaker 3: But if you are someone who is interested in property,
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Speaker 3: we do have a whole Property Playbook podcast, so have
3:38
Speaker 3: a listen to that as well as Wednesday's fabulous episode.
3:41
Speaker 3: Oh my gosh, Yes, I am all about the property.
3:44
Speaker 3: We love to know a little bit more. As you
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Speaker 3: guys know.
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Speaker 2: I'm super into it personally, and we know a lot
3:48
Speaker 2: of you guys are as well, So definitely check that out.
3:50
Speaker 2: Check out the Property Playbook, which we'll be coming back
3:52
Speaker 2: for season two later this year. Very exciting. But any
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Speaker 2: what else is exciting? George King? Oh, segue the money way,
4:01
Speaker 2: She's good, she's approach. She's done at four. Yes, the
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Speaker 2: budget direct money wins. We love to see them. What
4:06
Speaker 2: have you got for me? Eation every week? All right?
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Speaker 3: The first one comes from June money Win. My daughter
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Speaker 3: was buying her first car and she had seven thousand
4:12
Speaker 3: dollars in cold hard cash. The car we found that
4:16
Speaker 3: was her favorite was eighty five hundred, so a little
4:19
Speaker 3: out of the budget. But we offered seven thousand dollars
4:21
Speaker 3: cash on the spot and she got it. She's asome
4:26
Speaker 3: awesome win. The next win comes from Jakoder. After being
4:29
Speaker 3: unemployed for two months, I took a bunch needed break
4:32
Speaker 3: for my mental health. I start a new job today
4:34
Speaker 3: in a government role. It's a thirty dollar hourly rate
4:37
Speaker 3: plus super, which is pretty good for a twenty year old.
4:40
Speaker 3: It's four month contracts, but I think I'll smash this one,
4:42
Speaker 3: and I'm hoping they extend my contract. Well it's done,
4:45
Speaker 3: Jay Coder, good luck. The next win here Jay comes
4:49
Speaker 3: from Jane. After noticing that our car insurances have gone
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Speaker 3: up thirty dollars a month for each car, two cars
4:55
Speaker 3: and never making a claim, I finally got a chance
4:58
Speaker 3: to try and shop around for some new quotes. I
5:00
Speaker 3: eventually managed to secure some that are fifty dollars a
5:03
Speaker 3: month cheaper for each car than what we were about
5:05
Speaker 3: to pay. Yes, it took lots of time, emails, phone calls,
5:08
Speaker 3: but the savings in the long run are worth it.
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Speaker 2: I feel like Victoria would approve with that. Oh my gosh,
5:13
Speaker 2: that's such a good one. And if you're someone who
5:14
Speaker 2: gets nervous on the phone. We have that handy dandy
5:17
Speaker 2: guide on the ses and the money website on how
5:18
Speaker 2: to snag yourself a better deal with your car, your phone,
5:21
Speaker 2: anything you're paying a lot for because they jack up
5:24
Speaker 2: the price and hope that you don't.
5:26
Speaker 3: Say anything, and most people don't. Yeah, so says funny Phone.
5:29
Speaker 3: The next week, it comes from Nicola money Win. I
5:32
Speaker 3: was due for some new gym shoes, but have recently
5:34
Speaker 3: spent a little too much money on post breakup retail therapy.
5:38
Speaker 3: We hear you, Nicola. I hope you're doing okay. But
5:40
Speaker 3: it was my birthday last week and I got a
5:42
Speaker 3: fifty dollar vouch of for The Iconic from my cousin
5:44
Speaker 3: plus a twenty percent off birthday code from the Iconic.
5:47
Speaker 3: This meant I was able to get a one hundred
5:49
Speaker 3: dollar pair of new balanced shoes for thirty dollars instead
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Speaker 3: of one hundred amazing.
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Speaker 2: I love the Iconic. In this office, we do, we don't.
5:57
Speaker 3: And the next win comes from Kiri Lee money Win.
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Speaker 3: I finally reach my goal of a three thousand dollar
6:01
Speaker 3: emergency fund as a chronic explourge art. This is a
6:04
Speaker 3: huge deal for me. I've also saved twenty nine dollars
6:07
Speaker 3: ninety four just from roundups, which is going towards my
6:10
Speaker 3: travel fund so I can go overseas next year. Each
6:13
Speaker 3: and every little bit counts. Love that Jamie is our
6:16
Speaker 3: next win here. I applied for a job that I
6:18
Speaker 3: didn't meet all of the criteria for and I still
6:20
Speaker 3: got it. I just tripled my income and I'm so
6:23
Speaker 3: excited to start.
6:24
Speaker 2: How good's the hack crippled? That is wild?
6:28
Speaker 3: And we love to see the ladies applying for jobs
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Speaker 3: that they maybe aren't as qualified for because we know
6:34
Speaker 3: men love to do that. Yeah, so we should have
6:36
Speaker 3: a shame exactly right. The next win hit Jess comes
6:39
Speaker 3: from Imagen. Lost for today, but a huge win for
6:41
Speaker 3: future me. I went to a financial advisor for my insurances.
6:44
Speaker 2: Thank you.
6:45
Speaker 3: She's on the money for suggesting an amazing one. I
6:48
Speaker 3: thought my life insurance within my super was enough, but
6:50
Speaker 3: now I can rest easy with TPD trauma income and
6:54
Speaker 3: life insurance that's personalized to me, all for far less
6:58
Speaker 3: than I was expecting. I'm starting to feel like a
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Speaker 3: financially secure adult.
7:02
Speaker 2: Yeah, queen, And if you do need an advisor again,
7:06
Speaker 2: not plug website, but we have a form on there
7:08
Speaker 2: you can fill out, give us all of your information
7:10
Speaker 2: and we will find you the person who is the
7:12
Speaker 2: right fit for you. Because you're painful. It can be
7:14
Speaker 2: really overwhelming, I think, trying to find the right person
7:17
Speaker 2: and are they nice and do they get me? And
7:19
Speaker 2: are they going to judge me? So we have a
7:21
Speaker 2: network of people that we really love and really appreciate
7:23
Speaker 2: and recommend if you are looking for someone. And one
7:26
Speaker 2: of our advisors obviously did my insurances and they were fantastic.
7:30
Speaker 2: So can't say enough good things. Amazing.
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Speaker 3: The last win here just is from Yona. On the
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Speaker 3: one year and one week anniversary of me returning to
7:38
Speaker 3: work from Matt leave, I was told that I had
7:41
Speaker 3: been successful in securing a higher role at my work.
7:44
Speaker 3: This will be my third pay rise slash level up
7:46
Speaker 3: since returning to work, while my spending has remained the same.
7:50
Speaker 3: I'm looking forward to smashing down my debt faster and
7:52
Speaker 3: on a personal win level, I'm so grateful that I've
7:55
Speaker 3: been able to start a family while still progressing my
7:58
Speaker 3: career and staying on top of my fone and answers. Oh.
8:00
Speaker 2: I love that God as days where women have to
8:03
Speaker 2: choose between a family or their career. You really can
8:05
Speaker 2: have it all. Well, it has been great celebrating some
8:07
Speaker 2: of your budget Direct money wins with you this week,
8:10
Speaker 2: but for award winning insurance Search budget Direct, Budget Direct
8:13
Speaker 2: Insurance Solved stunning. Shall we go to a little break, JR.
8:16
Speaker 2: Let's do it clean? Alrighty, we're back. It's time for
8:24
Speaker 2: the G and JQ and A. Here we are again.
8:26
Speaker 2: I'm so excited. I wish we had a jingle, La
8:28
Speaker 2: la la la. Maybe we could work on one. We
8:32
Speaker 2: don't do it often enough. I don't think to warrant
8:34
Speaker 2: our own intro. But that's okay. Just imagine, George, I'm
8:37
Speaker 2: going to come in hot with a question we get
8:39
Speaker 2: all the time because you're not always in the office.
8:41
Speaker 2: It's true, and people go, where's Georgia Gun? She's been fired?
8:45
Speaker 2: We would simply never, absolutely not. But George, what is
8:49
Speaker 2: your other job do you tell about?
8:51
Speaker 3: It's bless everyone for being curious. Everyone, No one is
8:55
Speaker 3: of three people are so when I'm not at She's
8:58
Speaker 3: on the money, I at Fox Sports. I hilariously am
9:04
Speaker 3: a social media producer.
9:06
Speaker 2: Do you mean hilarious?
9:07
Speaker 1: Well?
9:07
Speaker 2: Longtime listeners to the pod will know that social media
9:10
Speaker 2: and George are not the best of friends.
9:13
Speaker 3: But it's less about you know, pretending your life is
9:16
Speaker 3: that which you do not lead, and it's more about
9:18
Speaker 3: promoting the company. And I work mainly at Fox Footy,
9:23
Speaker 3: so you know, cutting clips of the games, writing snappy captions, all.
9:27
Speaker 2: Of that kind of jazz.
9:28
Speaker 3: You love your sports, but I do, yeah, which people
9:31
Speaker 3: find surprising as well. I don't know why I'm a
9:33
Speaker 3: sporty woman. So yeah, that's what I do when I'm
9:36
Speaker 3: not at STOM. So I'm a busy gal, but love
9:40
Speaker 3: each and every day of my life.
9:42
Speaker 2: Yep, moving on. You sounded like you really meant that
9:46
Speaker 2: as well. Speaking of the office, someone asked what is
9:49
Speaker 2: your dream office item? And I don't know why, but
9:51
Speaker 2: I really liked that question, Like, if you're going to
9:53
Speaker 2: put one thing in an office, our office, theoretically, what
9:56
Speaker 2: would it be.
9:57
Speaker 3: Well, I feel like the She's on the Money office
9:59
Speaker 3: is all already quite the dream office.
10:01
Speaker 2: We've got the gorgeous artwork.
10:03
Speaker 3: V was telling me the other week about some electric
10:05
Speaker 3: blankets you guys have installed. You have electric blankets and
10:08
Speaker 3: your chairs. But the dream office item, I mean probably
10:13
Speaker 3: just like a really snazzy espresso machine.
10:17
Speaker 2: I'm basic, but yeah, yeah, there's one of them upstairs
10:20
Speaker 2: that you do have to walk up two piunds of
10:21
Speaker 2: stairs or take an elevator to get there, which is
10:24
Speaker 2: arguably true.
10:24
Speaker 3: Who's got the time? Yeah, how would you answer that question?
10:27
Speaker 3: I really would love a slurpy machine. Oh okay, because
10:30
Speaker 3: I don't drink coffee. If you used to tell a shit,
10:32
Speaker 3: you know, I'm a hot chucky gal. But to be honest,
10:34
Speaker 3: I don't drink them all that often. But there's good
10:36
Speaker 3: slurpy machines and bad slurpy machines, Like you know how
10:38
Speaker 3: you can get the at Kmart. You can get like
10:42
Speaker 3: churro and popcorn, and I'm pretty sure they have an
10:44
Speaker 3: ice icy maker.
10:46
Speaker 2: Not great, not the same. No, Like, I love like
10:48
Speaker 2: a seven eleven coke slurpy with raspberry mixed in layers, layers, layers,
10:53
Speaker 2: right raspberry on the top. This could excite you. My
10:57
Speaker 2: family used to have a slurpy shit actual proper. My
11:01
Speaker 2: dad likes to buy silly, silly things that no one needs.
11:05
Speaker 2: I know, we bought it for like someone's eighteenth or something,
11:07
Speaker 2: and it.
11:07
Speaker 3: Was so cool and we'd put like vodka in there, yes,
11:11
Speaker 3: but it's no longer with us so.
11:14
Speaker 2: Maine. Oh my god, that's very cool. I didn't even
11:17
Speaker 2: know that you could get like big proper ones. You
11:19
Speaker 2: really can. Let me hit you with a financi question
11:22
Speaker 2: so people don't turn off the podcast. Sure, someone asked
11:26
Speaker 2: either of you opened property investing, why or why not?
11:30
Speaker 3: M I mean I certainly would be if I had
11:34
Speaker 3: the money. I guess we've seen over time how much
11:38
Speaker 3: property does grow over over the journey. I mean currently
11:42
Speaker 3: if we look at how expensive.
11:46
Speaker 2: Exactly.
11:47
Speaker 3: But I can't see myself ever really getting in there
11:49
Speaker 3: beyond having my own home.
11:51
Speaker 2: But who knows? What about you, j Rick? I would
11:53
Speaker 2: love to. I think it's interesting because property investment is
11:56
Speaker 2: quite contentious. I've noticed with some people being like it's
12:00
Speaker 2: the only way to build wealth and some people being like,
12:03
Speaker 2: screw the landlords, they're all assholes. It's really polarizing, which
12:07
Speaker 2: I didn't anticipate it ever, being I've only ever had
12:10
Speaker 2: relatively good experiences with my landlords. We're in our current place,
12:13
Speaker 2: we've been there three years. They haven't raised the rent once,
12:15
Speaker 2: haven't even mentioned it. You know. I think that you
12:18
Speaker 2: can definitely be a landlord without being a jerk. Just
12:23
Speaker 2: people need to rent property, and I mean if that
12:26
Speaker 2: money is going to an individual rather than a big corporation,
12:29
Speaker 2: I'm not mad about it, as long as they're obviously
12:31
Speaker 2: not doing the wrong thing or discriminating or making your
12:34
Speaker 2: life really hard. But yeah, same as you, I am
12:37
Speaker 2: prioritizing personally an owner occupied property. I want to live
12:42
Speaker 2: in a home. That's what I want in an ideal world.
12:46
Speaker 2: That home isn't my for over home, and when I
12:48
Speaker 2: move to the next one, I'd love to be able
12:49
Speaker 2: to keep it as an investment, but it's all going
12:51
Speaker 2: to depend on financing exactly what everything looks like down
12:55
Speaker 2: the track, So absolutely into it whether or not I
12:58
Speaker 2: can afford it. Hold different kettle of Joe, Rick, I
13:01
Speaker 2: have a question for you.
13:03
Speaker 3: My girl Kate has asked how your house buying journey
13:07
Speaker 3: is going.
13:07
Speaker 2: Where are we at? Not much further along than we
13:10
Speaker 2: were last time. I was asked for being okay, tell me, like,
13:13
Speaker 2: what are the hold ups? What do we go?
13:14
Speaker 3: So?
13:15
Speaker 2: I am looking to build because for the grants that
13:18
Speaker 2: I qualify for, I need to move into a brand
13:22
Speaker 2: new property and in the area I'm looking at purchasing
13:25
Speaker 2: a brand new, pre built property versus building your own,
13:29
Speaker 2: costs are pretty much same same, So I figured I
13:32
Speaker 2: might as well build and get exactly what I want,
13:35
Speaker 2: rather than purchasing something and needing to make some cosmetic changes.
13:38
Speaker 2: But turns out Land is growing at an exponential rate
13:42
Speaker 2: in terms of value, and so I'm looking at an
13:45
Speaker 2: area quite far outside the city. I had a mortgage
13:48
Speaker 2: broker say to me, maybe you should set your expectations
13:50
Speaker 2: a little bit lower, and I was like, so, like,
13:52
Speaker 2: I'm looking an hour outside little city. Yeah. Yeah, it
13:54
Speaker 2: was a male. He also told me I probably should
13:57
Speaker 2: maybe think about getting a boyfriend. Jokes on, he might
13:59
Speaker 2: already have one, choking. Yeah, funnily enough, not my broker anymore.
14:05
Speaker 2: But so, yeah, it's really hard because I'm trying to
14:07
Speaker 2: do it by myself. So I can only get a
14:10
Speaker 2: certain amount of money, and it's a pretty good amount
14:11
Speaker 2: of money that I qualify for. I have a good deposit.
14:14
Speaker 2: But Land, even since I started kind of looking into things,
14:18
Speaker 2: you know, six to twelve months ago, has grown in
14:21
Speaker 2: value so quickly, and it's so expensive, and it's really
14:24
Speaker 2: disheartening when I go, Okay, well, I can afford the
14:27
Speaker 2: land or I can afford to put a house on it,
14:29
Speaker 2: but right now I can't really do both. Hich is
14:32
Speaker 2: really sad. If I'm being honest, It's not very fun
14:36
Speaker 2: to go, Oh my god, I thought I was ready,
14:38
Speaker 2: I thought I was there, I was all set to go,
14:39
Speaker 2: and then it feels like the goalpost has just moved.
14:42
Speaker 2: And I'm sure I'm not the only person feeling that way.
14:44
Speaker 2: It's really tough right now. But yeah, so kind of
14:48
Speaker 2: just still keeping in touch with my current broker, who
14:51
Speaker 2: is incredible. She's one of our brokers and she literally
14:54
Speaker 2: is the best. So at the moment, I'm just kind
14:56
Speaker 2: of keeping an eye on land prices, hoping to maybe
15:00
Speaker 2: see a bit of a shift, but also like not
15:02
Speaker 2: getting my hoops up too far because I feel like
15:04
Speaker 2: that's kind of what I did and now I'm feeling
15:07
Speaker 2: a little bit sad.
15:07
Speaker 3: Okay, So why building rather than just buying an existing property.
15:12
Speaker 2: It is because of like that cost thing a right, Like,
15:15
Speaker 2: so it's the same like if I was looking to
15:17
Speaker 2: purchase a new property in the area that I'm looking in,
15:20
Speaker 2: it would cost me about the same, okay, And so
15:22
Speaker 2: that's the thing is I'm like, well, if it's going
15:24
Speaker 2: to cost me the same. Yeah, you know, I would
15:26
Speaker 2: rather just have it be the way that I want.
15:28
Speaker 2: As you guys know, I'm a little bit picky if
15:30
Speaker 2: your lifestyle like and so I was like, even if
15:33
Speaker 2: I did purchase something established, I would be more than
15:35
Speaker 2: likely making changes to it, which is fine, happy to
15:38
Speaker 2: do it. Oh my god, I'd actually love to run
15:40
Speaker 2: a property. That would be so much fun. But yeah,
15:44
Speaker 2: I was kind of like, well, I might as well build,
15:46
Speaker 2: Like if a property came up established and I am
15:48
Speaker 2: keeping an eye on it for the right price, would
15:50
Speaker 2: be more than helpy to jump in that way. But yeah,
15:53
Speaker 2: it's kind of just at the moment. I can't have
15:56
Speaker 2: want anything.
15:58
Speaker 3: You don't j here's a lovely question from Lisa. How
16:03
Speaker 3: can I try and not compare my financial lack of
16:06
Speaker 3: success with others' success?
16:08
Speaker 2: Oh? Good one coming off the back of that, Oh
16:10
Speaker 2: very nice. I think you know what, You're allowed on
16:14
Speaker 2: some level to compare yourself, because I think it's easier
16:18
Speaker 2: said than done to say, just don't look at what
16:20
Speaker 2: other people are doing. Run your own race. In theory perfection,
16:23
Speaker 2: but in practice it's not gonna happen. Not in the
16:26
Speaker 2: day and age that we live in where everyone's sharing,
16:29
Speaker 2: you know, their wins online, wins in the Facebook group,
16:32
Speaker 2: Instagram whatever. It can be hard, and like I've fallen
16:36
Speaker 2: into that trap. I know a lot of other people
16:37
Speaker 2: who have. But I think just giving yourself a moment
16:40
Speaker 2: and being like their success or them being successful doesn't
16:44
Speaker 2: mean that I can't be as well. Like, just because
16:46
Speaker 2: you've achieved your dream doesn't mean that there's no room
16:49
Speaker 2: for me to achieve mine. And I think as well,
16:52
Speaker 2: just recognizing that priorities have shifted. You know, like twenty
16:56
Speaker 2: years ago, yeah, you'd have bought a house by the
16:58
Speaker 2: age of twenty one. Also, if you're a woman, you
17:02
Speaker 2: probably weren't having a career. You probably maybe twenty years
17:05
Speaker 2: is a bit long, but you know, fifty years ago,
17:07
Speaker 2: let's say there are a lot of things that we
17:09
Speaker 2: weren't able to do. So it's kind of like a
17:11
Speaker 2: give and go, Like we have things and opportunities today
17:13
Speaker 2: that we didn't back then, but that also means that
17:15
Speaker 2: some of the opportunities that people had back then don't exist,
17:19
Speaker 2: if that makes sense. So true, Yeah, yeah, what do
17:21
Speaker 2: you reckon? Like do you deal with that as well?
17:23
Speaker 3: A little bit, not necessarily in a financial sense, but
17:27
Speaker 3: it's something I struggle with career wise. I would say,
17:31
Speaker 3: and I think you just need to remind yourself of
17:33
Speaker 3: why you're doing what you're doing and write down your
17:36
Speaker 3: own goals, especially from a financial perspective, I would write
17:41
Speaker 3: down what you want to achieve and focus on that
17:45
Speaker 3: and break it down as well. Like smaller goals, you
17:47
Speaker 3: can tick them off along the way. We always say
17:49
Speaker 3: that it ches on the money. It's that way of
17:51
Speaker 3: kind of feeling the celebration along the way to your
17:55
Speaker 3: larger goals instead of yeah, comparing yourself to what other
18:00
Speaker 3: people are doing, because they're probably looking at you in
18:02
Speaker 3: some way and being like, oh gosh, like look at her,
18:05
Speaker 3: she's killing it at work. Sure, like you might not
18:07
Speaker 3: feel that yourself, but other people are always looking at you.
18:10
Speaker 2: Yeah. I think we need to remember that we.
18:13
Speaker 3: Are the people that we see all of our flaws
18:16
Speaker 3: and we fixate on them, but we don't necessarily see
18:18
Speaker 3: or celebrate the best things about ourselves which everyone else sees.
18:22
Speaker 3: So I think that's important to remember too, Like we
18:26
Speaker 3: need to be much kinder to ourselves. Something Victoria would
18:29
Speaker 3: say if she was here, And I don't know, treat
18:31
Speaker 3: yourself the way you treat others and celebrate yourself a
18:33
Speaker 3: little bit.
18:34
Speaker 2: Yeah, you're running your own race exactly. There's no timeline
18:38
Speaker 2: on things, I think as much as you. I remember
18:40
Speaker 2: when I was like sixteen years old, I was like, Yep,
18:42
Speaker 2: I'm going to be married at twenty and I'll have
18:44
Speaker 2: a house at twenty one, and then I'll have a
18:45
Speaker 2: baby at twenty two. Yep. And now I'm nearly twenty eight,
18:48
Speaker 2: and I'm like, excuse me, Like those things all seem
18:51
Speaker 2: so far away. Yeah, yeah, don't put timelines on things
18:55
Speaker 2: that don't need to have timelines.
18:57
Speaker 3: I think that's probably a very female thing as well,
19:00
Speaker 3: because of the whole biological clock that we believe is
19:04
Speaker 3: a tick in. But we need to give ourselves a break,
19:07
Speaker 3: I think, because there's plenty of time, and there's plenty
19:10
Speaker 3: of opportunity, and we're not battling against each other. What
19:14
Speaker 3: does they always say, A rising tide lifts all ships.
19:17
Speaker 3: Let's work together, let's back each other, so instead of
19:19
Speaker 3: comparing ourselves.
19:20
Speaker 2: I love that question. Answered it on that note. Somebody asked,
19:26
Speaker 2: what do you guys do for self care when you're
19:28
Speaker 2: stressed out? Love you girls. Oh love you too, Nny.
19:32
Speaker 2: What do you do, George? Do you love a little
19:33
Speaker 2: self Camo? Absolutely? I do.
19:36
Speaker 3: J Rik, I keep it pretty simple. I love a walk,
19:39
Speaker 3: I love a bath. I love a good podcast. I
19:42
Speaker 3: kind of keep a backlog of my favorites to access
19:46
Speaker 3: on those days when I am feeling a little rough.
19:48
Speaker 2: So these are all free.
19:49
Speaker 3: By the way, She's on the Money Connection, So anyone
19:52
Speaker 3: who reads the newsletter actually will know that I'm obsessed
19:55
Speaker 3: with Dolly Olderton. Yes, everything that woman says makes me
19:59
Speaker 3: sm makes me laugh, So I'll literally I'll listen to
20:02
Speaker 3: a podcast I've listened to a thousand times by her.
20:05
Speaker 2: And it just lifts my spirits.
20:06
Speaker 3: Yeah, and I also love face masks.
20:09
Speaker 2: Who doesn't doesn't. What do you do for self care?
20:11
Speaker 2: Jay Rick? I am one of those people who has
20:15
Speaker 2: to be doing something Like even if I'm relaxing, my
20:19
Speaker 2: hands need to be busy or my brain is busy.
20:21
Speaker 2: That would sound very not relaxing, I think to a
20:23
Speaker 2: lot of people. But so like, I love to just
20:26
Speaker 2: chuck on a TV series or a movie like I'm
20:29
Speaker 2: all about that in the background, and then I'll be
20:32
Speaker 2: working on something with my hands. I love a crafty moment.
20:34
Speaker 2: You do if you're like me and you need something
20:36
Speaker 2: to keep your brain busy or your hands busy, but
20:40
Speaker 2: not necessarily your brain. I've started doing diamond cross sorry.
20:47
Speaker 2: So they're like these it's like color by numbers but
20:50
Speaker 2: with like little sticky diamond things. I need to google this.
20:55
Speaker 2: Please do diamond craft. Yeah, you can get them from
20:57
Speaker 2: km up for literally like five dollars. But they're really fun.
21:02
Speaker 2: It's such a silly thing and then you get this
21:04
Speaker 2: really pretty like piece of art that you can put
21:06
Speaker 2: somewhere or do something with. And for someone like me
21:09
Speaker 2: who just needs to be occupied, it's really stress really mean. Yeah,
21:14
Speaker 2: do you see what I mean?
21:14
Speaker 3: I see what you mean, because it's kind of like
21:16
Speaker 3: an active mindfulness, like you're focusing on that that alone,
21:19
Speaker 3: your mind's not wondering.
21:20
Speaker 2: You put coloring books. I think you're the same kind
21:22
Speaker 2: of bar. Yeah, I don't know what it is. There's
21:24
Speaker 2: something just very very satisfying about that. So, oh my gosh,
21:27
Speaker 2: there's an alsa one. I love Frozen. When's your birthday?
21:31
Speaker 2: I want to get your fire. Funny side note. After
21:35
Speaker 2: our Melbourne event, which was back in March, it was
21:38
Speaker 2: a really big morning. So our team had been up
21:40
Speaker 2: since five in the morning. I think we wrapped up
21:42
Speaker 2: at like eleven thirty ish, and V had head to
21:45
Speaker 2: an event and I was going to meet her back
21:47
Speaker 2: at the hotel. So I was so tired. I'm an
21:50
Speaker 2: intro if you couldn't tell by my love of Diamondcraft,
21:53
Speaker 2: and so I was like, I just need a little
21:55
Speaker 2: time to relax. So I ordered some room service and
21:57
Speaker 2: went to put on a movie, and I really wanted
21:59
Speaker 2: to watch Frozen, but they didn't have it, so I
22:02
Speaker 2: instead paid twenty five dollars to watch Frozen two. While
22:07
Speaker 2: I ate Chip. Still, it's an act of self care.
22:09
Speaker 2: I support you. There you go. I wish out of
22:11
Speaker 2: a Diamondcraft with me. You mentioned the Newsy before someone
22:14
Speaker 2: asked what's your favorite budget meal? Love all of Geeking's
22:18
Speaker 2: food recos e lad. If you're not getting the newslettering,
22:21
Speaker 2: you're missing out because George has her own personal little
22:24
Speaker 2: spot in there where she gives you a recommendation every week,
22:26
Speaker 2: which quite frequently is food. Yeah, it certainly is.
22:30
Speaker 3: Last week it was trying on perfume at Mecha and
22:32
Speaker 3: then leaven because it's for free. Anyway, favorite budget recipes.
22:38
Speaker 2: Was that the question? Yeah? Or meal? I mean, you
22:40
Speaker 2: can't go.
22:41
Speaker 3: Past the pasta because it is cheap and it is
22:45
Speaker 3: always delicious. My favorite meal when I was living with
22:48
Speaker 3: Victoria's little sister, Devo, and she thought I was disgustin,
22:51
Speaker 3: was just a jar of pesto.
22:55
Speaker 2: What's that? Two three dollars?
22:56
Speaker 3: Yep, maybe four dollars in this economy, a two dollar
22:59
Speaker 3: bag of parts combine, add some choy tomatoes for some freshness,
23:04
Speaker 3: maybe a handful of spinach.
23:08
Speaker 2: It seems like Devo is quite fancy. Yeah, so she
23:12
Speaker 2: judged me a little bit. Devo, if you're listening, how
23:14
Speaker 2: are you? So that's always a good one. But I
23:17
Speaker 2: guess that is quiet basic.
23:19
Speaker 3: I would also say the dumplings that I've popped in
23:22
Speaker 3: the news, Yeah, they're amazing. I'll pop them in this
23:25
Speaker 3: week as well, So if anyone doesn't know what I'm
23:27
Speaker 3: talking about, you can refer to that.
23:29
Speaker 2: I love that. Someone asked book recommendations financial otherwise you
23:34
Speaker 2: got any that you're reading currently? I mean, she's On
23:36
Speaker 2: the Money by Victoria Devine. It's an excellent finance book.
23:39
Speaker 3: But beyond that finance, She's On the Money's second book,
23:43
Speaker 3: investing book.
23:43
Speaker 2: It's out for pre order.
23:44
Speaker 3: Yes, get your little myths on that. It's all about investing,
23:47
Speaker 3: so you cannot wait to see. But outside of the
23:50
Speaker 3: Shees on the Money universe, George, what are you reading?
23:52
Speaker 2: Okay?
23:52
Speaker 3: I've read two immaculate books this year. Actually, actually, like
23:56
Speaker 3: so many. I've really gotten back into reading. But yeah,
23:58
Speaker 3: top two would be The Paye the Palace. I think
24:01
Speaker 3: her name was Miranda Cowley someone. Anyway, everyone read that
24:04
Speaker 3: over the summer. It's a beautiful kind of love story.
24:07
Speaker 3: It's a beat tread, but it's so much more than
24:10
Speaker 3: a beach tread. I feel like that's almost a dismissive
24:12
Speaker 3: thing to say about often like female literature. So it's
24:16
Speaker 3: not a beat trade. It's an excellent read. And also
24:19
Speaker 3: Love and Virtue. That was probably it's one of the
24:22
Speaker 3: best books I've ever read. The woman who wrote it
24:25
Speaker 3: is only like twenty years old or something.
24:27
Speaker 2: That's so impressive.
24:28
Speaker 3: It discusses themes of consent in a really really nuanced,
24:32
Speaker 3: clever way that is not at all patronizing, I would say,
24:37
Speaker 3: or too confronting. So I would really recommend that have
24:42
Speaker 3: you read any good ones this year?
24:44
Speaker 2: Jack? I was dreading. When I asked you this question,
24:46
Speaker 2: I realized you'd ask me about I was kind of
24:48
Speaker 2: dreading it because my taste in books is not sophistical,
24:53
Speaker 2: taking the Twilight saga close to I like, I like
24:58
Speaker 2: ya or young adult fiction, and I like like a dystopian,
25:03
Speaker 2: like a Hunger Games or nothing. Today's run up. Look,
25:07
Speaker 2: I feel like I'm kind of at the point now
25:08
Speaker 2: where I say I like ya and people are like,
25:10
Speaker 2: bestI You're a little bit old that I mentioned Hung Games.
25:14
Speaker 2: I loved the Hunger Games books. I thought they were immaculate,
25:17
Speaker 2: and the movies were also really quite good. But they
25:19
Speaker 2: did a prequel for the Hunger Games, which did you
25:21
Speaker 2: read the series when you are? But I loved the movies.
25:24
Speaker 2: They were really really well done. And the thing that
25:27
Speaker 2: I liked about the prequel is it was set with
25:30
Speaker 2: do you remember President Snow, the evil dude? Yes, it
25:32
Speaker 2: was his youth, and so it was a little bit
25:35
Speaker 2: of his origin story, and I'm hoping that there will
25:37
Speaker 2: be more. It's been out for a little while now.
25:39
Speaker 2: I smashed it in like two or three days, and
25:40
Speaker 2: if I'm being honest, I don't read a whole lot
25:43
Speaker 2: lately because I'm just busy and I don't make time
25:45
Speaker 2: for it, so for me to devour it so quickly.
25:48
Speaker 2: If anyone else likes that same genre of book, I
25:50
Speaker 2: would really recommend it. It was so well done, and I
25:53
Speaker 2: hope that there's another one. Have you heard of the
25:55
Speaker 2: Harry Potter.
25:56
Speaker 3: Series, because I've got a feeling it is right up
25:59
Speaker 3: your ellie my, Oh thank you?
26:00
Speaker 2: Check them out? Yes please? We also have jay Rich.
26:03
Speaker 3: Just on the book topic. We will move back to
26:05
Speaker 3: money shortly on the Deep Dive episode. We will be
26:08
Speaker 3: talking about the five financial Books that Will Change Your Life.
26:10
Speaker 3: But it's coming out in the next couple of weeks,
26:12
Speaker 3: so yeah, I have a listened to that one for sure. Jayrik,
26:16
Speaker 3: you very rudely are about to hop to Europe, you
26:19
Speaker 3: lucky duck. One of the questions here is how to
26:22
Speaker 3: budget for a holiday? What tips and tricks do you
26:25
Speaker 3: have for the girlies?
26:26
Speaker 2: Oh maybe this is almost a full podcast topic in
26:29
Speaker 2: and of itself now that everyone's getting back on the plane,
26:31
Speaker 2: which is so nice to see. I think finding room
26:35
Speaker 2: to reprioritize in your budget if you're not always saving
26:38
Speaker 2: for holiday. So obviously we're just come off the back
26:40
Speaker 2: of COVID, and normally i'd kind of have some savings
26:43
Speaker 2: set aside for holidays, whereas i'd kind of reallocated it.
26:46
Speaker 2: After two years, I was like that money can be
26:48
Speaker 2: better put to work. So if you don't have a
26:50
Speaker 2: fund that you're kind of constantly putting into, I think
26:53
Speaker 2: reprioritizing your spending. So like for me personally, I think
26:57
Speaker 2: I've said before, I break my budget down really, you know, minutely,
27:02
Speaker 2: and so I have like a fund each month for
27:03
Speaker 2: clothing and a fund each month for shoes, So it's
27:06
Speaker 2: kind of easy to go, okay, well, that money can
27:08
Speaker 2: be pulled because that's not a need and reallocated to
27:12
Speaker 2: the holiday budget. The other thing I would say, particularly
27:15
Speaker 2: right now, and this is the boat that I found
27:17
Speaker 2: myself in because it was a little bit of a
27:18
Speaker 2: spontaneous trip, like we were just kind of taking advantage of,
27:21
Speaker 2: you know, some sales that we're on on flights and
27:23
Speaker 2: things like that, is if it's within your means, obviously,
27:28
Speaker 2: do not go into debt for a holiday. It's not
27:29
Speaker 2: worth it in my opinion. But also be gentle on yourself.
27:33
Speaker 2: And so if you need to go, okay, well this month,
27:36
Speaker 2: I'm going to put a little bit less into my
27:38
Speaker 2: long term savings. It's actually okay to do that. And
27:42
Speaker 2: I think going back to that thing where you were saying,
27:44
Speaker 2: oh my gosh, we have such clear goals, and you know,
27:46
Speaker 2: we're comparing ourselves to others. So for me, the month
27:49
Speaker 2: that we go away, I'll be putting just a little
27:51
Speaker 2: bit less money into my house deposit it out. And
27:54
Speaker 2: I'm not being mad at myself for that. I'm just
27:57
Speaker 2: kind of going, hey, like, this trip for me is
28:00
Speaker 2: something that's really important, and it's going to be a
28:02
Speaker 2: chance to make good memories and see places that I've
28:04
Speaker 2: never seen, and I value that. So for me, it
28:07
Speaker 2: is worth adjusting my goals slightly just for the short term,
28:12
Speaker 2: or to dip into my emergency funds if I needed to,
28:14
Speaker 2: because I have a pretty significant emergency fund, knowing that
28:17
Speaker 2: I'm going to replenish that money or make it up
28:19
Speaker 2: down the track. Because George, like you're like me, like
28:22
Speaker 2: you love to travel, right, and I think that it's
28:26
Speaker 2: not a need absolutely, like you know, don't put that
28:28
Speaker 2: above other necessities, but there is a lot of value
28:31
Speaker 2: to be had, I think from that, right, And.
28:34
Speaker 3: Like when you're on your deathbed and you look back,
28:37
Speaker 3: will you be like, man, I got into the housing
28:40
Speaker 3: market six months earlier, or I went on an epic holiday,
28:44
Speaker 3: made memories and friendships to last lifetime.
28:47
Speaker 2: Et cetera. Like what's more important? I think that we
28:50
Speaker 2: all know and if you're traveling in a group, like
28:52
Speaker 2: find ways to say, like we're staying in a hostile amazing. Yeah,
28:55
Speaker 2: I'm going to Victoria and a couple of our other.
28:57
Speaker 3: Like Victoria's staying in a hostel. Yeah, I know, I'll
29:00
Speaker 3: believe it what I say.
29:02
Speaker 2: Send me photo. It's like a room with like six
29:05
Speaker 2: bunk beds. It's gonna be like a giant sleeper. That's
29:07
Speaker 2: there's things like that, I think where you can go. Hey,
29:09
Speaker 2: like we're going to spend nineteen nine percent of our
29:12
Speaker 2: time not in our accommodation. And this is the exact
29:14
Speaker 2: conversation that has had because it's pretty expensive in Europe
29:17
Speaker 2: right now, it's high season. Everyone's also getting back after
29:19
Speaker 2: being off for a while, and so we said, oh,
29:22
Speaker 2: like we can have a beautiful hotel, but it's going
29:24
Speaker 2: to cost so much money. And ultimately we all said
29:28
Speaker 2: we're not going to spend a lot of fun there
29:30
Speaker 2: all I need is a bed. We're all happy to
29:33
Speaker 2: bunk it together, share a bathroom, share a room probably.
29:35
Speaker 2: Al that's amazing.
29:36
Speaker 3: Well, that's another hot tip for budgeting, like think about
29:39
Speaker 3: where you should be allocating your money and where you
29:41
Speaker 3: shouldn't be. Yeah, if you're flying in at ten pm,
29:43
Speaker 3: don't stay somewhere fancies at the airport hotel.
29:46
Speaker 2: Yeah, and pre purchase I think a lot of your
29:48
Speaker 2: like tickets and stuff as well, because we wanted to
29:51
Speaker 2: go to like see a few shows. We want to
29:53
Speaker 2: go to Disneyland. I'm so excited in Paris. Yes, in Paris,
29:58
Speaker 2: Oh my god, I lend it all from that. But yeah,
30:03
Speaker 2: so pre purchasing those expenses because a lot of the
30:05
Speaker 2: time you can get deals if you're doing them in bulk,
30:07
Speaker 2: or it's just more expensive to do things last minute.
30:09
Speaker 2: And a general rule of thumb. So looking at that,
30:12
Speaker 2: plug it all into a spreadsheet. You can bet your
30:14
Speaker 2: bottom dollar that Vihid has put together the spreadsheet to
30:17
Speaker 2: end all spreadsheets, which we're working on convincing her to
30:21
Speaker 2: put that out publicly. So fingers crossed, there will be
30:24
Speaker 2: a travel budget available somewhere soon. Amazing.
30:28
Speaker 3: All right, I think we've got time for one more today,
30:32
Speaker 3: Jay Rick, It's been an absolute pleasure as always. I
30:35
Speaker 3: don't know if that is true for the listeners, but
30:37
Speaker 3: I've had a good time. So this question comes from Casey,
30:40
Speaker 3: how to educate slash help friends on their money journey
30:44
Speaker 3: or when they are struggling.
30:46
Speaker 2: Oh, it's such a hard one because you don't want
30:48
Speaker 2: to stick your nose in where it doesn't belong exactly,
30:51
Speaker 2: you know. I think people have to be ready to
30:53
Speaker 2: receive advice on something like finance. I think just normalizing
30:57
Speaker 2: the conversations and someone has to take the first step.
31:00
Speaker 2: And maybe it's you in this situation or the personality
31:02
Speaker 2: in this question, Casey, but I think just talking about
31:06
Speaker 2: money like it's a normal thing, like you're talking about shoes,
31:10
Speaker 2: you know, and talking about salary and budgeting, and just
31:14
Speaker 2: peppering it into the conversation like it's a normal thing
31:18
Speaker 2: because it should be, like you shouldn't feel uncomfortable. I
31:21
Speaker 2: don't think talking about how much money you earn or
31:24
Speaker 2: talking about if you're saving for something. I think that
31:27
Speaker 2: that's a great conversation we're having, and that's obviously what
31:29
Speaker 2: we're all about here at Cheese and the Money is
31:31
Speaker 2: we want those conversations to exist. But the only way
31:34
Speaker 2: you're going to make it not awkward is if you
31:36
Speaker 2: act like it's not awkward. And maybe you will feel
31:39
Speaker 2: a little bit uncomfy the first time you do it,
31:41
Speaker 2: if you've never spoken about those things. But I think
31:43
Speaker 2: you'll find as well that the more you broach the topic,
31:46
Speaker 2: the more comfortable the people you're talking to will become
31:49
Speaker 2: doing the same thing. Yeah, it's very true. What do
31:51
Speaker 2: you think very true?
31:52
Speaker 3: Yeah, it's a tough one because we all have such
31:55
Speaker 3: different relationships with money and finance, and we're all different
32:00
Speaker 3: stages of our careers. Some people are still studying, some
32:02
Speaker 3: people have been in the same workplace for eight years
32:04
Speaker 3: and they've really worked their way up to having amazing
32:07
Speaker 3: salaries and stuff like that. So I think even like
32:11
Speaker 3: subtly being like, oh, I'm listening to this amazing podcast
32:14
Speaker 3: called Cheese on the Money or My Millennial Money or
32:17
Speaker 3: whatever it is, I think that's a really good way
32:19
Speaker 3: of like edging it in there.
32:21
Speaker 2: Getting people of the socials too, like point in the
32:23
Speaker 2: main direction of our Instagram or another page's Instagram or
32:26
Speaker 2: the Facebook group. There's so many people in there having
32:29
Speaker 2: those conversations that I think if you start seeing those
32:32
Speaker 2: things regularly, it kind of normalizes it a bit.
32:34
Speaker 3: Yeah, and it makes it more fun as well, and
32:38
Speaker 3: being a part of the community because there's people at
32:42
Speaker 3: every stage of their journey. There's people who are twenty
32:45
Speaker 3: grand in debt. There's people who have three hundred thousand
32:47
Speaker 3: dollars in the bank. So there's someone that you will
32:49
Speaker 3: resonate with within the group, and you'll see the posts
32:52
Speaker 3: and so on and so forth. So yeah, I would
32:54
Speaker 3: really encourage them to become a part of the Shoes
32:56
Speaker 3: on the Money community, not to plug ourselves tumor, but yeah,
33:01
Speaker 3: I think, as you said, just broaching the conversation as
33:05
Speaker 3: much as you can and maybe like sitting them down
33:08
Speaker 3: if you know that they're really struggling and being like, sis,
33:10
Speaker 3: how can I help you, Like, let's talk and hear
33:12
Speaker 3: for you, Because you know, the longer they keep their
33:14
Speaker 3: heads in the sand, if they are in a really
33:16
Speaker 3: bad predicament, if they're after pay addicts, whatever it may be,
33:20
Speaker 3: if they face it with you, maybe that's like the
33:22
Speaker 3: first step to acknowledging where they're at and they can
33:24
Speaker 3: create a plan from there. Also, the national debt help plant.
33:27
Speaker 3: They have a series of great financial counselors who are
33:31
Speaker 3: free to access, so if they are in a really
33:33
Speaker 3: sticky spot, that's a really good place to point them
33:35
Speaker 3: as well.
33:36
Speaker 2: Incredible, I feel like that's a really good place to
33:38
Speaker 2: leave it. I think we covered a little bit of finance.
33:41
Speaker 2: Victoria will hopefully be proud of us. I hope that
33:43
Speaker 2: I can come back next week and still have a job.
33:46
Speaker 2: But before we go, don't forget that the advice shared
33:48
Speaker 2: on Cheese on the Money is generally in nature and
33:50
Speaker 2: does not consider your individual circumstances. She's on the Money
33:53
Speaker 2: exists purely for educational purposes and should not be relied
33:56
Speaker 2: upon to make an investment or a financial decision. And yes,
34:00
Speaker 2: Victoria Divine and She's on the Money are authorized representatives
34:03
Speaker 2: of Infocused Securities Australia Proprietary Limited ABM four seven oh
34:07
Speaker 2: nine seven seven nine seven four nine AFSL two three
34:10
Speaker 2: six five two three.
34:12
Speaker 3: Very well read from you before we head off, guys,
34:15
Speaker 3: as well as we just mentioned, please join us in
34:18
Speaker 3: our Facebook community where she is on the Money on Facebook,
34:21
Speaker 3: we're also on Instagram, We're on TikTok and you may
34:24
Speaker 3: have heard our girl last Saturday morning on KISSFM nine
34:28
Speaker 3: to ten right around the country.
34:29
Speaker 2: Oh my gosh, I'm exciting.
34:31
Speaker 3: So she's doing that for the foreseeable Future and it's like.
34:35
Speaker 2: The podcast but slightly different. So it's called the She's
34:38
Speaker 2: on the Money radio show. And I listened last week
34:41
Speaker 2: a lot of fun, yeah, bitter band. It's a different
34:45
Speaker 2: vibe because obviously in between the songs there's only so
34:47
Speaker 2: much time to be sharing all of the willpower and
34:50
Speaker 2: knowledge that is Victoria to Vine. But like still some
34:52
Speaker 2: really good tips and some good laughs as well.
34:54
Speaker 3: Yeah, exactly, have a listen. All right, Well, I think
34:58
Speaker 3: let's put a cork in it. We'll see you on
35:00
Speaker 3: Monday saying that guys, bye buys.