Latest / Making Cents / Supermarket Tricks, Insurance Hacks & Subscription Traps: How to Stop Overpaying

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Supermarket Tricks, Insurance Hacks & Subscription Traps: How to Stop Overpaying · Making Cents

• 0:00
  This
• 0:00
  interview
• 0:00
  saved
• 0:01
  my
• 0:01
  producer
• 0:02
  $1,000
• 0:03
  in
• 0:04
  five
• 0:04
  minutes
• 0:05
  just
• 0:05
  while
• 0:05
  we
• 0:06
  were
• 0:06
  recording.
• 0:06
  So
• 0:07
  trust
• 0:07
  me,
• 0:08
  these
• 0:08
  tips
• 0:08
  work
• 0:09
  because
• 0:09
  if
• 0:09
  you
• 0:09
  feel
• 0:10
  like
• 0:10
  you're
• 0:10
  constantly
• 0:11
  in
• 0:11
  a
• 0:11
  fight
• 0:12
  for
• 0:12
  your
• 0:12
  money,
• 0:12
  you're
• 0:13
  not
• 0:13
  wrong.
• 0:14
  You
• 0:14
  are
• 0:15
  battling
• 0:15
  supermarket
• 0:16
  tricks,
• 0:17
  dark
• 0:17
  patterns
• 0:18
  in
• 0:18
  online
• 0:19
  shopping,
• 0:19
  and
• 0:20
  subscription
• 0:20
  traps.
• 0:21
  It's
• 0:22
  not
• 0:22
  just
• 0:22
  inflation
• 0:23
  or
• 0:23
  you
• 0:24
  being
• 0:24
  undisciplined.
• 0:25
  It's
• 0:25
  that
• 0:26
  modern
• 0:26
  consumer
• 0:27
  life
• 0:27
  is
• 0:28
  now
• 0:28
  engineered
• 0:29
  to
• 0:29
  separate
• 0:30
  you
• 0:30
  from.
• 0:31
  From
• 0:31
  your
• 0:31
  money.
• 0:32
  Ever
• 0:32
  seen
• 0:32
  a
• 0:32
  countdown
• 0:33
  ticket
• 0:33
  timing
• 0:34
  while
• 0:34
  you're
• 0:34
  shopping
• 0:35
  online?
• 0:36
  That's
• 0:36
  a
• 0:37
  trap.
• 0:37
  You
• 0:37
  try
• 0:38
  to
• 0:38
  cancel
• 0:38
  a
• 0:38
  subscription
• 0:39
  and
• 0:39
  you're
• 0:40
  sent
• 0:40
  down
• 0:40
  this
• 0:41
  rabbit
• 0:41
  hole
• 0:42
  of
• 0:42
  web
• 0:43
  pages.
• 0:43
  No
• 0:44
  unsubscribe
• 0:45
  button
• 0:45
  in
• 0:45
  sight.
• 0:46
  That's
• 0:46
  a
• 0:47
  trap.
• 0:48
  Even
• 0:48
  just
• 0:49
  the
• 0:49
  layout
• 0:50
  of
• 0:50
  your
• 0:50
  local
• 0:50
  supermarket
• 0:52
  is
• 0:52
  a
• 0:52
  trap.
• 0:53
  But
• 0:54
  we're
• 0:54
  fighting
• 0:54
  back
• 0:55
  today.
• 0:56
  Enter
• 0:56
  Chris
• 0:56
  Schultz,
• 0:57
  senior
• 0:58
  investigative
• 0:58
  journalist
• 0:59
  at
• 0:59
  Consumer.
• 1:00
  This
• 1:01
  is
• 1:01
  his
• 1:01
  area,
• 1:02
  and
• 1:02
  he
• 1:03
  has
• 1:03
  spent
• 1:03
  years
• 1:04
  digging
• 1:05
  into
• 1:05
  the
• 1:05
  psychological
• 1:06
  tricks
• 1:06
  being
• 1:06
  used
• 1:07
  to
• 1:07
  keep
• 1:07
  you
• 1:07
  spending
• 1:08
  more
• 1:08
  than
• 1:09
  you
• 1:09
  meant
• 1:09
  to.
• 1:10
  Dark
• 1:10
  patents
• 1:10
  aren't
• 1:11
  scams
• 1:12
  like
• 1:12
  a
• 1:12
  lot
• 1:12
  of
• 1:12
  people
• 1:12
  seem
• 1:13
  to
• 1:13
  think
• 1:13
  they
• 1:13
  are.
• 1:13
  They're
• 1:14
  perfectly
• 1:14
  legal.
• 1:15
  They're
• 1:15
  things
• 1:16
  like
• 1:16
  hidden
• 1:17
  fees
• 1:17
  or
• 1:17
  scarcity
• 1:18
  cues,
• 1:19
  these
• 1:19
  pressure
• 1:20
  tactics.
• 1:20
  And
• 1:20
  if
• 1:21
  you
• 1:21
  think
• 1:21
  his
• 1:21
  research
• 1:21
  would
• 1:22
  be
• 1:22
  enough
• 1:22
  to
• 1:22
  make
• 1:22
  you
• 1:22
  paranoid,
• 1:23
  well,
• 1:24
  yeah,
• 1:24
  a
• 1:25
  little
• 1:25
  bit.
• 1:25
  He
• 1:25
  now
• 1:26
  makes
• 1:26
  sure
• 1:26
  he
• 1:26
  does
• 1:27
  his
• 1:27
  supermarket
• 1:27
  shopping
• 1:28
  online
• 1:28
  because
• 1:29
  it's
• 1:29
  just
• 1:30
  a
• 1:30
  way
• 1:30
  that
• 1:30
  he
• 1:31
  can
• 1:31
  stop
• 1:31
  the
• 1:32
  manipulation.
• 1:33
  You
• 1:33
  know,
• 1:33
  the
• 1:33
  best
• 1:33
  $5
• 1:34
  I
• 1:34
  spend
• 1:34
  every
• 1:34
  week
• 1:36
  is
• 1:36
  paying
• 1:36
  someone
• 1:36
  to
• 1:37
  bag
• 1:37
  up
• 1:37
  those
• 1:37
  groceries
• 1:38
  for
• 1:38
  me.
• 1:38
  You've
• 1:38
  got
• 1:38
  to
• 1:39
  fight
• 1:39
  your
• 1:39
  way
• 1:39
  through
• 1:39
  this
• 1:41
  jungle.
• 1:43
  It's
• 1:44
  a
• 1:44
  jungle
• 1:44
  out
• 1:44
  there.
• 1:45
  How
• 1:45
  much
• 1:45
  can
• 1:45
  we
• 1:46
  even
• 1:46
  do
• 1:46
  as
• 1:47
  individuals?
• 1:47
  And
• 1:48
  how
• 1:48
  much
• 1:48
  do
• 1:49
  we
• 1:49
  need
• 1:49
  a
• 1:49
  system
• 1:50
  change?
• 1:51
  We've
• 1:51
  identified
• 1:52
  ten
• 1:52
  key
• 1:53
  dark
• 1:53
  patterns.
• 1:54
  It
• 1:54
  wouldn't
• 1:54
  take
• 1:54
  a
• 1:55
  lot
• 1:55
  to
• 1:55
  just
• 1:55
  get
• 1:55
  those
• 1:56
  kind
• 1:56
  of,
• 1:56
  like,
• 1:56
  funneled
• 1:57
  into
• 1:57
  some
• 1:57
  of
• 1:58
  the
• 1:58
  legislation
• 1:58
  we
• 1:58
  have.
• 1:59
  So
• 1:59
  welcome
• 2:00
  to
• 2:00
  Making
• 2:00
  Sense.
• 2:00
  It's
• 2:01
  the
• 2:01
  podcast
• 2:01
  for
• 2:02
  people
• 2:02
  who
• 2:02
  want
• 2:02
  financial
• 2:02
  freedom
• 2:03
  without
• 2:03
  giving
• 2:04
  up
• 2:04
  their
• 2:04
  coffee.
• 2:05
  I'm
• 2:05
  Francis
• 2:05
  Cook,
• 2:06
  a
• 2:06
  financial
• 2:06
  journalist
• 2:07
  and
• 2:07
  fellow
• 2:07
  financial
• 2:08
  freedom
• 2:08
  seeker
• 2:09
  who
• 2:09
  makes
• 2:09
  money
• 2:09
  simple
• 2:10
  for
• 2:10
  you.
• 2:11
  Today
• 2:11
  we're
• 2:12
  pulling
• 2:12
  back
• 2:12
  the
• 2:12
  curtain
• 2:13
  on
• 2:13
  why
• 2:13
  it
• 2:13
  seems
• 2:13
  like
• 2:14
  you're
• 2:14
  always
• 2:15
  spending
• 2:15
  more
• 2:15
  than
• 2:16
  you
• 2:16
  meant
• 2:16
  to
• 2:17
  and
• 2:17
  how
• 2:17
  you
• 2:17
  can
• 2:17
  turn
• 2:18
  the
• 2:18
  tide.
• 2:19
  This
• 2:19
  episode
• 2:19
  of
• 2:20
  Making
• 2:20
  Sense
• 2:20
  is
• 2:20
  supported
• 2:21
  by
• 2:21
  Odoo.
• 2:22
  The
• 2:22
  all
• 2:22
  in
• 2:22
  one
• 2:23
  solution
• 2:23
  to
• 2:23
  make
• 2:23
  running
• 2:24
  your
• 2:24
  business
• 2:24
  smoother
• 2:25
  and
• 2:25
  more
• 2:25
  affordable.
• 2:26
  Go
• 2:26
  to
• 2:26
  odoo.com
• 2:28
  that's
• 2:28
  O
• 2:28
  D
• 2:28
  double
• 2:29
  O
• 2:29
  dot
• 2:29
  com
• 2:30
  for
• 2:30
  more.
• 2:31
  All
• 2:31
  right,
• 2:31
  Chris,
• 2:32
  welcome
• 2:33
  to
• 2:33
  the
• 2:33
  podcast.
• 2:33
  So
• 2:34
  great
• 2:34
  to
• 2:34
  have
• 2:34
  you
• 2:34
  on.
• 2:34
  I
• 2:34
  mean,
• 2:35
  you
• 2:35
  do
• 2:35
  amazing
• 2:36
  work
• 2:36
  helping
• 2:37
  people
• 2:37
  stay
• 2:37
  in
• 2:37
  control
• 2:38
  of
• 2:38
  their
• 2:38
  spending,
• 2:38
  which
• 2:39
  feels
• 2:40
  like
• 2:40
  it's
• 2:40
  harder
• 2:41
  and
• 2:41
  harder
• 2:41
  these
• 2:42
  days.
• 2:42
  Do
• 2:42
  you
• 2:43
  think?
• 2:43
  Are
• 2:43
  we
• 2:44
  worse
• 2:45
  at
• 2:45
  looking
• 2:46
  after
• 2:46
  our
• 2:46
  money
• 2:46
  these
• 2:47
  days
• 2:47
  or
• 2:47
  is
• 2:47
  the
• 2:47
  system
• 2:48
  getting
• 2:48
  better
• 2:48
  at
• 2:48
  extracting
• 2:49
  it
• 2:49
  from
• 2:49
  us?
• 2:50
  I
• 2:50
  don't
• 2:50
  think
• 2:51
  anyone's
• 2:51
  gotten
• 2:51
  worse
• 2:52
  at
• 2:52
  looking
• 2:52
  after
• 2:53
  their
• 2:53
  money
• 2:53
  over
• 2:53
  the
• 2:54
  last
• 2:54
  two
• 2:54
  years.
• 2:55
  We've
• 2:55
  all
• 2:56
  like,
• 2:56
  even
• 2:56
  if
• 2:56
  you're
• 2:56
  in
• 2:57
  good
• 2:57
  jobs,
• 2:58
  you've
• 2:58
  got
• 2:58
  to
• 2:59
  look
• 2:59
  after
• 2:59
  your
• 2:59
  money
• 2:59
  these
• 3:00
  days,
• 3:00
  right?
• 3:01
  The
• 3:01
  cost
• 3:01
  of
• 3:01
  living
• 3:02
  is
• 3:03
  up
• 3:03
  there,
• 3:04
  inflation's
• 3:04
  been
• 3:05
  up
• 3:05
  there.
• 3:06
  Everything
• 3:06
  from
• 3:07
  groceries
• 3:07
  to
• 3:08
  insurance
• 3:09
  to
• 3:09
  your
• 3:10
  power
• 3:10
  bill
• 3:11
  has
• 3:11
  gone
• 3:11
  up
• 3:12
  drastically
• 3:13
  over
• 3:13
  that
• 3:13
  time.
• 3:14
  So
• 3:14
  no,
• 3:14
  I
• 3:14
  don't
• 3:15
  think
• 3:15
  any
• 3:15
  of
• 3:16
  us
• 3:16
  have
• 3:16
  gotten
• 3:16
  worse
• 3:17
  at
• 3:17
  looking
• 3:17
  after
• 3:18
  our
• 3:18
  money.
• 3:18
  I
• 3:18
  think
• 3:19
  you're
• 3:19
  right
• 3:19
  that
• 3:19
  there
• 3:20
  are,
• 3:21
  there
• 3:21
  are
• 3:21
  other
• 3:21
  forces
• 3:22
  at
• 3:22
  play.
• 3:23
  You
• 3:23
  plug
• 3:23
  in
• 3:24
  white
• 3:24
  T
• 3:24
  shirt
• 3:25
  size
• 3:25
  L
• 3:26
  into
• 3:26
  Google,
• 3:27
  suddenly
• 3:28
  that
• 3:29
  white
• 3:29
  T
• 3:29
  shirt
• 3:29
  is
• 3:30
  following
• 3:30
  you
• 3:30
  everywhere
• 3:31
  you
• 3:31
  go,
• 3:31
  Instagram,
• 3:32
  Facebook,
• 3:32
  you're
• 3:33
  just
• 3:33
  getting
• 3:33
  pop
• 3:33
  up
• 3:34
  ads
• 3:34
  on
• 3:34
  every
• 3:34
  website
• 3:35
  you
• 3:35
  go
• 3:35
  to.
• 3:35
  It's
• 3:36
  trying
• 3:36
  to
• 3:36
  get
• 3:36
  you
• 3:36
  to
• 3:36
  part
• 3:37
  with
• 3:37
  your
• 3:37
  money.
• 3:38
  So
• 3:39
  there's
• 3:40
  that.
• 3:40
  And
• 3:40
  then
• 3:40
  there
• 3:40
  are
• 3:40
  these
• 3:41
  things
• 3:41
  we
• 3:41
  call
• 3:42
  dark
• 3:42
  patterns
• 3:42
  that
• 3:43
  are
• 3:43
  a
• 3:43
  little
• 3:43
  more
• 3:44
  subtle
• 3:45
  but
• 3:45
  working
• 3:45
  in
• 3:45
  the
• 3:46
  background
• 3:46
  too.
• 3:47
  And
• 3:48
  they've
• 3:48
  definitely
• 3:50
  become
• 3:51
  more
• 3:51
  ubiquitous
• 3:53
  recently.
• 3:53
  Well,
• 3:54
  exactly.
• 3:55
  I
• 3:55
  just,
• 3:55
  I
• 3:55
  feel
• 3:55
  like
• 3:56
  things
• 3:56
  are
• 3:56
  sort
• 3:56
  of
• 3:57
  levelled
• 3:58
  up
• 3:58
  to
• 3:59
  quite
• 4:00
  an
• 4:00
  intense
• 4:01
  point.
• 4:01
  I
• 4:01
  mean,
• 4:02
  you
• 4:02
  actually,
• 4:02
  when
• 4:03
  we
• 4:03
  were
• 4:03
  preparing
• 4:03
  for
• 4:03
  this
• 4:04
  interview
• 4:04
  and
• 4:04
  talking
• 4:04
  about,
• 4:04
  you
• 4:04
  know,
• 4:05
  the
• 4:05
  sort
• 4:05
  of
• 4:05
  things
• 4:05
  that
• 4:05
  might
• 4:05
  be
• 4:06
  interesting
• 4:06
  for
• 4:06
  us
• 4:06
  to
• 4:06
  chat
• 4:07
  about,
• 4:08
  you
• 4:08
  said
• 4:08
  something
• 4:09
  that
• 4:09
  has
• 4:09
  really
• 4:09
  stuck
• 4:09
  with
• 4:09
  me,
• 4:10
  that
• 4:10
  being
• 4:10
  a
• 4:10
  consumer
• 4:11
  these
• 4:11
  days
• 4:11
  just
• 4:11
  means
• 4:12
  constantly
• 4:13
  fighting.
• 4:14
  How
• 4:14
  much
• 4:14
  do
• 4:15
  you
• 4:15
  think
• 4:15
  that
• 4:15
  has
• 4:15
  changed
• 4:16
  from
• 4:16
  you
• 4:17
  say
• 4:17
  two
• 4:17
  years
• 4:17
  ago,
• 4:17
  even
• 4:18
  10
• 4:18
  years
• 4:18
  ago?
• 4:19
  Why
• 4:19
  are
• 4:19
  we
• 4:20
  in
• 4:20
  this
• 4:20
  constant
• 4:20
  fight
• 4:21
  now?
• 4:22
  Someone
• 4:22
  explained
• 4:22
  it
• 4:23
  to
• 4:23
  me
• 4:23
  like
• 4:23
  this.
• 4:24
  We
• 4:24
  were
• 4:24
  doing
• 4:24
  this
• 4:24
  dark
• 4:25
  patterns
• 4:25
  research
• 4:26
  and
• 4:26
  they
• 4:26
  were
• 4:26
  like,
• 4:26
  it's
• 4:27
  kind
• 4:27
  of
• 4:27
  like
• 4:27
  how
• 4:28
  you'd
• 4:29
  walk
• 4:29
  into
• 4:29
  a
• 4:29
  store
• 4:29
  on
• 4:30
  Queen
• 4:30
  street
• 4:31
  to
• 4:31
  buy
• 4:31
  this
• 4:32
  white
• 4:32
  T
• 4:32
  shirt
• 4:33
  and
• 4:33
  then
• 4:33
  behind
• 4:34
  you
• 4:34
  they'd
• 4:34
  put
• 4:34
  in
• 4:35
  all
• 4:35
  of
• 4:35
  these
• 4:35
  obstacles
• 4:36
  for
• 4:36
  you
• 4:37
  to
• 4:37
  get
• 4:38
  through
• 4:38
  before
• 4:38
  you
• 4:38
  could
• 4:39
  leave
• 4:39
  that
• 4:39
  store.
• 4:40
  That's
• 4:40
  what
• 4:40
  shopping
• 4:41
  online
• 4:41
  is
• 4:41
  like
• 4:42
  these
• 4:42
  days.
• 4:42
  There
• 4:42
  are
• 4:42
  all
• 4:43
  of
• 4:43
  these
• 4:43
  obstacles
• 4:44
  that,
• 4:45
  these
• 4:46
  pitfalls
• 4:46
  you
• 4:46
  can
• 4:47
  fall
• 4:47
  into
• 4:48
  when
• 4:48
  you're
• 4:48
  shopping
• 4:48
  online,
• 4:49
  right?
• 4:50
  So
• 4:50
  dark
• 4:51
  patterns
• 4:51
  aren't
• 4:52
  scams
• 4:52
  like
• 4:52
  a
• 4:53
  lot
• 4:53
  of
• 4:53
  people
• 4:53
  seem
• 4:53
  to
• 4:53
  think
• 4:54
  they
• 4:54
  are.
• 4:54
  They're
• 4:54
  perfectly
• 4:55
  legal.
• 4:56
  They're
• 4:56
  things
• 4:56
  like
• 4:57
  hidden
• 4:57
  fees.
• 4:58
  You
• 4:59
  put
• 4:59
  something
• 4:59
  in
• 4:59
  your
• 4:59
  basket,
• 5:00
  get
• 5:00
  to
• 5:00
  check
• 5:00
  out
• 5:00
  and
• 5:00
  suddenly
• 5:01
  the
• 5:01
  price
• 5:01
  of
• 5:01
  that
• 5:01
  is
• 5:02
  it's
• 5:02
  got
• 5:02
  two
• 5:02
  or
• 5:02
  three
• 5:03
  other
• 5:03
  fees
• 5:03
  added
• 5:03
  onto
• 5:04
  it,
• 5:04
  or
• 5:04
  scarcity
• 5:05
  queues
• 5:06
  where
• 5:06
  you're
• 5:07
  booking
• 5:07
  accommodation
• 5:08
  and
• 5:08
  there's
• 5:08
  only
• 5:09
  one
• 5:09
  left
• 5:09
  at
• 5:09
  this
• 5:10
  price.
• 5:10
  We've
• 5:11
  all
• 5:11
  seen
• 5:11
  those,
• 5:11
  right?
• 5:12
  Like
• 5:12
  these
• 5:12
  pressure
• 5:13
  tactics
• 5:13
  to
• 5:13
  buy.
• 5:14
  Countdown
• 5:14
  timers
• 5:15
  are
• 5:15
  another
• 5:15
  one.
• 5:15
  That's
• 5:15
  the
• 5:16
  one
• 5:16
  that
• 5:16
  always
• 5:16
  gets
• 5:16
  me.
• 5:16
  I
• 5:17
  buy
• 5:17
  a
• 5:17
  lot
• 5:17
  of
• 5:17
  concert
• 5:17
  tickets
• 5:18
  and
• 5:18
  I
• 5:18
  get
• 5:18
  two
• 5:19
  minutes
• 5:19
  to
• 5:19
  buy
• 5:19
  those
• 5:19
  tickets
• 5:20
  before
• 5:20
  they're
• 5:20
  released
• 5:21
  to
• 5:21
  someone
• 5:21
  else.
• 5:21
  I
• 5:21
  want
• 5:21
  those
• 5:22
  damn
• 5:22
  tickets.
• 5:23
  I
• 5:23
  don't
• 5:23
  want
• 5:23
  to
• 5:24
  miss
• 5:24
  out.
• 5:24
  I
• 5:24
  know
• 5:24
  they
• 5:24
  work
• 5:25
  on
• 5:25
  me.
• 5:25
  And
• 5:26
  then
• 5:26
  there's,
• 5:26
  there
• 5:27
  are
• 5:27
  things
• 5:27
  like
• 5:27
  subscription
• 5:28
  traps
• 5:29
  where
• 5:30
  we've
• 5:30
  all
• 5:31
  subscribed
• 5:32
  to
• 5:32
  a
• 5:32
  gym
• 5:33
  or
• 5:33
  a
• 5:33
  new
• 5:33
  service
• 5:34
  or
• 5:34
  a
• 5:34
  food
• 5:35
  delivery
• 5:35
  service
• 5:35
  for
• 5:36
  too
• 5:36
  long
• 5:36
  because
• 5:36
  it
• 5:36
  just
• 5:37
  is
• 5:37
  so
• 5:37
  much
• 5:38
  effort
• 5:39
  to
• 5:39
  unsubscribe.
• 5:40
  So
• 5:40
  they're
• 5:41
  dark
• 5:41
  patterns
• 5:41
  and
• 5:41
  they're
• 5:42
  all
• 5:42
  just
• 5:42
  subtly
• 5:44
  but
• 5:44
  insidiously
• 5:45
  working
• 5:45
  away
• 5:46
  and
• 5:46
  chipping
• 5:47
  away
• 5:47
  at
• 5:47
  your
• 5:47
  confidence.
• 5:48
  And
• 5:49
  I
• 5:49
  think
• 5:49
  as
• 5:49
  we've
• 5:50
  gotten
• 5:50
  better
• 5:51
  at
• 5:52
  navigating
• 5:53
  the
• 5:53
  online
• 5:53
  world,
• 5:53
  they've
• 5:54
  gotten
• 5:54
  better
• 5:55
  and
• 5:55
  sneakier
• 5:56
  as
• 5:56
  well.
• 5:56
  So
• 5:57
  they're
• 5:57
  always
• 5:57
  kind
• 5:57
  of
• 5:58
  like
• 5:58
  one
• 5:58
  step
• 5:58
  ahead.
• 5:58
  And
• 5:59
  because
• 5:59
  we
• 5:59
  don't
• 5:59
  have
• 6:00
  laws
• 6:01
  banning
• 6:01
  them
• 6:02
  like
• 6:02
  other
• 6:02
  countries,
• 6:04
  they're
• 6:04
  just,
• 6:04
  they're
• 6:05
  allowed
• 6:05
  to,
• 6:05
  they
• 6:05
  fall
• 6:05
  into
• 6:06
  this
• 6:06
  gray
• 6:06
  area
• 6:06
  that
• 6:07
  they're
• 6:07
  allowed
• 6:07
  to
• 6:08
  just
• 6:08
  play
• 6:08
  out
• 6:09
  your
• 6:09
  dark
• 6:10
  patterns.
• 6:10
  Research.
• 6:11
  For
• 6:11
  anyone
• 6:11
  who
• 6:11
  hasn't
• 6:12
  come
• 6:12
  across
• 6:12
  it,
• 6:12
  I
• 6:12
  mean
• 6:12
  they
• 6:12
  should
• 6:13
  go
• 6:13
  and
• 6:13
  read
• 6:14
  the
• 6:14
  articles
• 6:14
  that
• 6:14
  you
• 6:14
  put
• 6:15
  out
• 6:15
  on
• 6:15
  consumer
• 6:15
  because
• 6:16
  they
• 6:16
  were
• 6:16
  amazing.
• 6:17
  But
• 6:17
  yeah,
• 6:17
  I.
• 6:18
  You
• 6:18
  did
• 6:19
  a
• 6:19
  list
• 6:19
  of
• 6:19
  them
• 6:19
  that
• 6:20
  I
• 6:20
  just
• 6:21
  found
• 6:22
  horrifyingly
• 6:23
  fascinating.
• 6:23
  Like
• 6:24
  I'm
• 6:24
  looking
• 6:24
  at
• 6:24
  and
• 6:24
  being
• 6:25
  like,
• 6:25
  wow,
• 6:25
  that's
• 6:25
  super
• 6:25
  interesting.
• 6:26
  But
• 6:26
  wow,
• 6:26
  I'm
• 6:27
  also
• 6:27
  really
• 6:27
  depressed.
• 6:28
  So
• 6:28
  what
• 6:28
  was
• 6:28
  it?
• 6:28
  Pre
• 6:29
  ticked
• 6:29
  boxes
• 6:29
  that
• 6:30
  automatically
• 6:30
  add
• 6:30
  extras
• 6:31
  to
• 6:31
  your
• 6:31
  cart.
• 6:32
  Scarcity
• 6:32
  warnings
• 6:33
  like
• 6:33
  only
• 6:33
  one
• 6:33
  left
• 6:34
  at
• 6:34
  this
• 6:34
  price.
• 6:35
  Hidden
• 6:35
  fees
• 6:35
  that
• 6:35
  appear
• 6:36
  only
• 6:36
  at
• 6:36
  checkout,
• 6:37
  Hiking
• 6:38
  the
• 6:38
  advertised
• 6:39
  price,
• 6:39
  Hard
• 6:40
  to
• 6:40
  find
• 6:40
  cancellation
• 6:41
  buttons
• 6:41
  or
• 6:41
  multi
• 6:42
  step
• 6:42
  unsubscribe
• 6:43
  processes.
• 6:44
  That
• 6:44
  annoys
• 6:45
  me.
• 6:46
  Confirm
• 6:47
  shaming
• 6:47
  messages.
• 6:48
  I
• 6:48
  love
• 6:48
  the
• 6:49
  confirm
• 6:49
  shaming
• 6:51
  label
• 6:52
  there.
• 6:52
  I
• 6:52
  hadn't
• 6:52
  thought
• 6:52
  of
• 6:52
  it
• 6:52
  like
• 6:53
  that,
• 6:53
  but
• 6:53
  Confirm
• 6:54
  shaming
• 6:54
  messages
• 6:55
  that
• 6:55
  guilt
• 6:55
  consumers
• 6:56
  into
• 6:56
  staying
• 6:56
  subscribed
• 6:57
  with
• 6:57
  wording
• 6:58
  like
• 6:58
  no
• 6:58
  thanks,
• 6:59
  I'd
• 6:59
  love
• 6:59
  to
• 6:59
  stay
• 7:00
  penniless
• 7:00
  or
• 7:01
  do
• 7:01
  you
• 7:01
  like
• 7:02
  wasting
• 7:02
  money?
• 7:04
  And
• 7:05
  every
• 7:06
  single
• 7:06
  one
• 7:06
  of
• 7:06
  those,
• 7:07
  I'm
• 7:07
  like,
• 7:07
  yep,
• 7:08
  that's
• 7:08
  happened.
• 7:08
  Yep,
• 7:08
  that's
• 7:09
  happened.
• 7:09
  Yep,
• 7:09
  that's
• 7:09
  happened.
• 7:10
  And
• 7:11
  it
• 7:11
  just,
• 7:13
  I
• 7:13
  know
• 7:13
  you
• 7:13
  say
• 7:13
  it's
• 7:14
  in
• 7:14
  a
• 7:14
  gray
• 7:14
  area,
• 7:14
  but
• 7:15
  I
• 7:15
  read
• 7:15
  that
• 7:15
  list
• 7:15
  and
• 7:16
  I'm
• 7:16
  like,
• 7:16
  how
• 7:16
  is
• 7:16
  this
• 7:16
  legal?
• 7:18
  The
• 7:18
  one
• 7:18
  that
• 7:19
  always
• 7:20
  cracked
• 7:20
  me
• 7:20
  up.
• 7:20
  So
• 7:20
  we
• 7:20
  sat
• 7:21
  for
• 7:21
  this
• 7:21
  research.
• 7:21
  We
• 7:22
  did
• 7:22
  like
• 7:22
  this
• 7:22
  nationwide
• 7:23
  survey
• 7:23
  of
• 7:23
  a
• 7:24
  thousand
• 7:24
  people
• 7:24
  and
• 7:24
  then
• 7:25
  we,
• 7:25
  to
• 7:25
  really
• 7:26
  get
• 7:26
  real
• 7:26
  world
• 7:26
  examples
• 7:27
  of
• 7:27
  it,
• 7:27
  we
• 7:27
  sat
• 7:27
  down
• 7:28
  like
• 7:28
  this
• 7:28
  with
• 7:29
  someone
• 7:29
  and
• 7:29
  put
• 7:30
  them
• 7:30
  through
• 7:30
  some
• 7:31
  dark
• 7:31
  patterns.
• 7:31
  And
• 7:32
  the
• 7:32
  one
• 7:32
  that
• 7:32
  everyone
• 7:33
  just
• 7:33
  sat
• 7:33
  there
• 7:33
  and
• 7:33
  went,
• 7:34
  oh,
• 7:34
  yep,
• 7:34
  here
• 7:35
  we
• 7:35
  go
• 7:35
  was
• 7:35
  HelloFresh,
• 7:36
  the
• 7:37
  food
• 7:37
  delivery
• 7:37
  service.
• 7:41
  Their
• 7:41
  unsubscribe
• 7:43
  option
• 7:44
  is
• 7:44
  like
• 7:45
  this
• 7:45
  five
• 7:45
  or
• 7:46
  six
• 7:46
  step
• 7:46
  process.
• 7:48
  It's
• 7:48
  Just
• 7:48
  page
• 7:49
  after
• 7:49
  page
• 7:49
  of
• 7:50
  how
• 7:50
  about
• 7:51
  a
• 7:51
  discount?
• 7:51
  How
• 7:51
  about
• 7:52
  getting
• 7:52
  some
• 7:52
  of
• 7:52
  your
• 7:53
  friends
• 7:53
  in
• 7:53
  and
• 7:53
  getting
• 7:53
  30%
• 7:54
  off?
• 7:54
  How
• 7:54
  about
• 7:55
  we
• 7:55
  just
• 7:55
  pause
• 7:55
  it?
• 7:55
  Are
• 7:55
  you
• 7:56
  sure
• 7:56
  you
• 7:56
  want
• 7:56
  to
• 7:56
  do
• 7:56
  that?
• 7:58
  It's
• 7:59
  relentless
• 7:59
  and
• 8:00
  yeah,
• 8:00
  it's
• 8:00
  exhausting.
• 8:02
  To
• 8:03
  sign
• 8:03
  up
• 8:03
  to
• 8:03
  something
• 8:03
  like
• 8:03
  that
• 8:04
  is
• 8:04
  often
• 8:04
  so
• 8:05
  easy.
• 8:05
  It's
• 8:05
  often
• 8:05
  one
• 8:06
  click
• 8:07
  to
• 8:07
  get
• 8:07
  out
• 8:07
  of
• 8:07
  it.
• 8:08
  Maybe
• 8:08
  it's
• 8:08
  a
• 8:09
  phone
• 8:09
  call,
• 8:09
  maybe
• 8:10
  you've
• 8:10
  got
• 8:10
  to
• 8:10
  navigate
• 8:11
  bots
• 8:11
  on
• 8:11
  their
• 8:11
  website
• 8:12
  or
• 8:12
  then
• 8:12
  maybe
• 8:13
  you've
• 8:13
  got
• 8:13
  to
• 8:13
  go
• 8:13
  through
• 8:14
  this
• 8:14
  like
• 8:15
  10
• 8:15
  minute
• 8:15
  process
• 8:16
  of,
• 8:16
  you
• 8:17
  know,
• 8:17
  I
• 8:17
  just
• 8:17
  want
• 8:17
  to
• 8:18
  cancel
• 8:18
  it.
• 8:19
  So,
• 8:20
  yeah,
• 8:20
  it
• 8:20
  falls
• 8:20
  into
• 8:21
  this
• 8:21
  legal
• 8:21
  gray
• 8:22
  area.
• 8:22
  There
• 8:22
  are
• 8:22
  definitely
• 8:23
  things
• 8:24
  we
• 8:24
  could
• 8:24
  do
• 8:25
  under
• 8:25
  the
• 8:25
  Fair
• 8:25
  Trading
• 8:26
  Act.
• 8:26
  We
• 8:26
  could
• 8:26
  remodel
• 8:27
  that
• 8:27
  to
• 8:28
  try
• 8:28
  and
• 8:28
  attack
• 8:28
  some
• 8:29
  of
• 8:29
  them.
• 8:29
  There
• 8:29
  doesn't
• 8:30
  seem
• 8:30
  to
• 8:30
  have
• 8:30
  been
• 8:30
  any
• 8:31
  kind
• 8:31
  of
• 8:31
  progress
• 8:32
  from
• 8:32
  the
• 8:32
  government
• 8:33
  or,
• 8:33
  you
• 8:33
  know,
• 8:33
  you
• 8:34
  know,
• 8:34
  forward
• 8:34
  thinking.
• 8:35
  Australia
• 8:35
  is
• 8:36
  looking
• 8:36
  at
• 8:36
  banning
• 8:36
  like
• 8:37
  a
• 8:37
  whole
• 8:37
  suite
• 8:38
  of
• 8:38
  them.
• 8:38
  Ooh,
• 8:39
  tell
• 8:39
  me
• 8:39
  what
• 8:39
  Australia's
• 8:40
  doing.
• 8:40
  Cause
• 8:40
  they
• 8:40
  often
• 8:40
  lead
• 8:41
  the
• 8:41
  way
• 8:41
  on
• 8:41
  this.
• 8:41
  They've
• 8:41
  got
• 8:42
  a
• 8:42
  bit
• 8:42
  more
• 8:42
  balls
• 8:42
  than
• 8:43
  us.
• 8:43
  Literally
• 8:43
  looking
• 8:44
  at
• 8:44
  banning
• 8:44
  dark
• 8:45
  patents.
• 8:45
  Wow.
• 8:46
  So
• 8:47
  that
• 8:47
  list
• 8:47
  that
• 8:47
  I
• 8:48
  made
• 8:48
  out
• 8:48
  before,
• 8:48
  all
• 8:49
  of
• 8:49
  that
• 8:49
  would
• 8:49
  be.
• 8:49
  Or
• 8:50
  a
• 8:50
  few
• 8:50
  of
• 8:50
  them.
• 8:50
  Most
• 8:51
  of
• 8:51
  it,
• 8:51
  yeah.
• 8:51
  Like
• 8:51
  things
• 8:52
  like
• 8:52
  countdown
• 8:52
  timers,
• 8:53
  subscription
• 8:54
  traps
• 8:54
  are
• 8:54
  definitely
• 8:55
  in
• 8:55
  there.
• 8:56
  Hidden
• 8:57
  fees,
• 8:57
  all
• 8:57
  of
• 8:57
  that
• 8:58
  stuff.
• 8:58
  Yeah.
• 8:58
  The
• 8:59
  big
• 8:59
  obvious
• 8:59
  ones,
• 9:00
  they're
• 9:00
  just
• 9:00
  looking
• 9:00
  at
• 9:00
  banning
• 9:01
  all
• 9:01
  of
• 9:01
  them.
• 9:01
  They
• 9:01
  announced
• 9:02
  that
• 9:02
  last
• 9:02
  year,
• 9:02
  so.
• 9:03
  Oh,
• 9:05
  yeah.
• 9:05
  Well,
• 9:05
  because
• 9:06
  we
• 9:06
  do
• 9:06
  often
• 9:06
  sort
• 9:06
  of
• 9:07
  watch
• 9:07
  what
• 9:07
  they
• 9:07
  do,
• 9:07
  see
• 9:08
  how
• 9:08
  they
• 9:08
  go.
• 9:08
  I
• 9:09
  have
• 9:09
  the
• 9:09
  first
• 9:09
  penguin
• 9:10
  theory
• 9:10
  where
• 9:11
  I
• 9:11
  often
• 9:12
  am
• 9:12
  first
• 9:12
  penguin
• 9:13
  in
• 9:13
  my
• 9:13
  group
• 9:13
  of
• 9:14
  friends
• 9:14
  because
• 9:14
  I'm
• 9:15
  very
• 9:15
  willing
• 9:15
  to
• 9:15
  try
• 9:15
  new
• 9:15
  things.
• 9:16
  But
• 9:16
  we
• 9:16
  have
• 9:16
  first
• 9:16
  penguin
• 9:17
  with
• 9:17
  Australia
• 9:17
  and
• 9:17
  New
• 9:18
  Zealand
• 9:18
  too,
• 9:18
  where
• 9:19
  penguins,
• 9:19
  you
• 9:19
  know,
• 9:19
  if
• 9:20
  they
• 9:20
  go
• 9:20
  to
• 9:20
  jump
• 9:20
  into
• 9:20
  the
• 9:20
  water,
• 9:20
  you
• 9:21
  can't
• 9:21
  see
• 9:21
  if
• 9:21
  there's
• 9:21
  any
• 9:21
  predators
• 9:22
  underneath.
• 9:23
  So
• 9:23
  they'll
• 9:23
  often
• 9:23
  crowd
• 9:24
  around
• 9:24
  the
• 9:24
  edge
• 9:24
  of
• 9:24
  the
• 9:24
  water,
• 9:24
  crowd,
• 9:25
  crowd,
• 9:25
  crowd,
• 9:25
  crowd,
• 9:25
  crowd.
• 9:26
  And
• 9:26
  then
• 9:26
  one
• 9:26
  either
• 9:26
  jumps
• 9:27
  in
• 9:27
  or
• 9:27
  is
• 9:27
  pushed
• 9:28
  by
• 9:28
  the
• 9:28
  rest
• 9:28
  of
• 9:28
  the
• 9:28
  penguins.
• 9:29
  Soon
• 9:29
  it's
• 9:29
  a
• 9:29
  little
• 9:30
  unsure
• 9:31
  and.
• 9:31
  And
• 9:31
  then
• 9:32
  the
• 9:32
  rest
• 9:32
  sort
• 9:32
  of
• 9:32
  peer
• 9:32
  in
• 9:33
  and
• 9:33
  wait
• 9:33
  to
• 9:33
  see
• 9:33
  if
• 9:33
  they've
• 9:34
  gotten
• 9:34
  eaten.
• 9:35
  And
• 9:35
  if
• 9:35
  he
• 9:35
  hasn't
• 9:36
  gotten
• 9:36
  eaten,
• 9:36
  the
• 9:37
  rest
• 9:37
  will
• 9:37
  jump
• 9:37
  in
• 9:37
  and
• 9:37
  it's
• 9:38
  fine
• 9:38
  to
• 9:38
  get
• 9:38
  in
• 9:38
  the
• 9:38
  water.
• 9:39
  So
• 9:39
  we're
• 9:39
  letting
• 9:39
  Australia
• 9:40
  first
• 9:40
  penguin
• 9:41
  on
• 9:41
  this,
• 9:41
  are
• 9:41
  we?
• 9:41
  Bigger
• 9:42
  country,
• 9:42
  more
• 9:42
  resources,
• 9:43
  more
• 9:44
  politicians
• 9:44
  and
• 9:44
  also
• 9:45
  more
• 9:45
  people
• 9:45
  affected.
• 9:46
  But
• 9:46
  also
• 9:46
  they've
• 9:46
  got
• 9:46
  a
• 9:46
  government
• 9:47
  that
• 9:47
  recognizes
• 9:48
  this
• 9:48
  as
• 9:48
  an
• 9:49
  issue.
• 9:49
  You
• 9:49
  know,
• 9:49
  we
• 9:50
  tried
• 9:50
  to
• 9:50
  put
• 9:50
  a
• 9:50
  figure
• 9:51
  on
• 9:51
  how
• 9:51
  much
• 9:52
  money
• 9:52
  this
• 9:53
  is
• 9:53
  costing
• 9:53
  us
• 9:53
  and
• 9:54
  we
• 9:54
  sort
• 9:54
  of
• 9:54
  came
• 9:54
  up
• 9:54
  with,
• 9:55
  I
• 9:55
  think
• 9:55
  it
• 9:55
  was
• 9:55
  somewhere
• 9:56
  between
• 9:56
  50
• 9:56
  and
• 9:57
  60
• 9:57
  million.
• 9:58
  Like
• 9:58
  a
• 9:58
  year.
• 9:58
  Yeah.
• 9:59
  But
• 9:59
  no
• 9:59
  One
• 9:59
  sits
• 10:00
  there
• 10:00
  and
• 10:00
  goes,
• 10:00
  oh,
• 10:00
  I
• 10:01
  subscribed
• 10:01
  to
• 10:01
  that
• 10:01
  gym
• 10:01
  for
• 10:02
  three
• 10:02
  extra
• 10:02
  months.
• 10:02
  I
• 10:03
  shouldn't
• 10:03
  have.
• 10:03
  That
• 10:03
  cost
• 10:03
  me
• 10:03
  this.
• 10:04
  You
• 10:04
  know,
• 10:05
  that's
• 10:05
  the
• 10:05
  conservative
• 10:06
  estimate.
• 10:06
  Yeah,
• 10:07
  yeah.
• 10:07
  You
• 10:07
  know,
• 10:08
  no
• 10:08
  one
• 10:08
  tallies
• 10:08
  up
• 10:09
  their
• 10:09
  hidden
• 10:09
  fees.
• 10:10
  Like,
• 10:11
  and
• 10:11
  there
• 10:11
  are
• 10:11
  other
• 10:11
  costs
• 10:12
  too.
• 10:12
  You
• 10:12
  know,
• 10:12
  emotional
• 10:13
  costs,
• 10:13
  time
• 10:14
  wasting
• 10:14
  costs.
• 10:15
  We
• 10:15
  lose
• 10:15
  confidence
• 10:15
  online
• 10:16
  when
• 10:16
  we
• 10:17
  go
• 10:17
  through
• 10:17
  these
• 10:18
  things
• 10:18
  because
• 10:18
  sometimes
• 10:18
  we
• 10:18
  feel
• 10:19
  like
• 10:19
  victims.
• 10:19
  You
• 10:20
  know,
• 10:20
  it
• 10:20
  does
• 10:20
  make
• 10:20
  you
• 10:21
  feel
• 10:21
  a
• 10:22
  little
• 10:22
  bit
• 10:22
  embarrassed
• 10:23
  if
• 10:23
  you,
• 10:23
  if
• 10:24
  you
• 10:24
  just
• 10:24
  can't
• 10:24
  unsubscribe
• 10:25
  from
• 10:25
  something
• 10:25
  and
• 10:25
  you're
• 10:26
  giving
• 10:26
  people
• 10:26
  money
• 10:26
  that
• 10:27
  you
• 10:27
  could
• 10:27
  use.
• 10:28
  Oh,
• 10:29
  exactly.
• 10:29
  When
• 10:29
  everything's
• 10:30
  costing
• 10:30
  so
• 10:30
  much.
• 10:31
  Okay,
• 10:31
  well,
• 10:32
  if
• 10:32
  someone
• 10:32
  is
• 10:33
  looking
• 10:33
  at
• 10:33
  these
• 10:33
  dark
• 10:33
  patterns,
• 10:34
  I
• 10:34
  mean,
• 10:34
  are
• 10:34
  there
• 10:34
  ways
• 10:36
  other
• 10:36
  things
• 10:36
  that
• 10:37
  New
• 10:37
  Zealand
• 10:37
  as
• 10:37
  a
• 10:37
  country
• 10:38
  should
• 10:38
  be
• 10:38
  looking
• 10:38
  at
• 10:38
  and
• 10:39
  maybe
• 10:39
  following
• 10:40
  Australia's
• 10:40
  footsteps
• 10:41
  or
• 10:41
  other
• 10:41
  things
• 10:42
  that
• 10:42
  we
• 10:42
  would
• 10:43
  like
• 10:43
  to
• 10:43
  see
• 10:43
  from
• 10:43
  government?
• 10:44
  But
• 10:44
  also,
• 10:44
  what
• 10:44
  about
• 10:45
  things
• 10:45
  we
• 10:45
  can
• 10:45
  do
• 10:45
  as
• 10:45
  individuals?
• 10:46
  Even
• 10:46
  if,
• 10:47
  whether
• 10:47
  or
• 10:47
  not
• 10:47
  our
• 10:47
  government
• 10:48
  does
• 10:48
  things,
• 10:48
  are
• 10:49
  there
• 10:49
  ways
• 10:49
  that
• 10:49
  are
• 10:50
  good
• 10:50
  tactics
• 10:51
  to
• 10:51
  protect
• 10:51
  ourselves
• 10:52
  from
• 10:52
  this?
• 10:53
  Once
• 10:53
  you
• 10:53
  see
• 10:53
  these
• 10:54
  things,
• 10:55
  you
• 10:55
  start
• 10:55
  noticing
• 10:56
  them
• 10:56
  more
• 10:56
  and
• 10:56
  more.
• 10:57
  And
• 10:57
  I
• 10:57
  think
• 10:57
  that's
• 10:58
  a
• 10:58
  good
• 10:58
  thing.
• 10:58
  Once
• 10:59
  you're
• 10:59
  aware
• 10:59
  of
• 10:59
  them
• 11:00
  and
• 11:00
  what
• 11:01
  they're
• 11:01
  trying
• 11:01
  to
• 11:01
  do
• 11:01
  to
• 11:02
  you,
• 11:02
  you
• 11:03
  can
• 11:03
  sort
• 11:03
  of
• 11:03
  limit
• 11:03
  their
• 11:03
  impact.
• 11:04
  Right.
• 11:04
  Like
• 11:04
  I
• 11:05
  told
• 11:05
  you
• 11:05
  about
• 11:05
  concert
• 11:06
  tickets,
• 11:06
  for
• 11:06
  me,
• 11:06
  I
• 11:06
  know
• 11:07
  that
• 11:07
  is
• 11:08
  a
• 11:08
  countdown
• 11:08
  timer
• 11:09
  on
• 11:09
  concert
• 11:09
  tickets
• 11:10
  is
• 11:10
  gonna
• 11:10
  get
• 11:10
  me
• 11:10
  every
• 11:11
  time.
• 11:11
  So
• 11:12
  what
• 11:12
  I
• 11:12
  do
• 11:12
  is
• 11:13
  before
• 11:13
  those
• 11:14
  tickets
• 11:14
  go
• 11:14
  on
• 11:14
  sale,
• 11:15
  I
• 11:15
  say
• 11:15
  to
• 11:15
  myself,
• 11:15
  I'm
• 11:16
  not
• 11:16
  spending
• 11:17
  over
• 11:17
  this.
• 11:18
  If
• 11:18
  those
• 11:18
  tickets
• 11:19
  cost
• 11:20
  this
• 11:20
  amount,
• 11:20
  fine,
• 11:21
  I'll
• 11:21
  get
• 11:21
  them.
• 11:21
  If
• 11:22
  they're
• 11:22
  more
• 11:22
  than
• 11:22
  that,
• 11:22
  with
• 11:23
  all
• 11:23
  of
• 11:23
  the
• 11:23
  fees
• 11:23
  or
• 11:24
  dynamic
• 11:24
  pricing
• 11:24
  or
• 11:25
  whatever's
• 11:25
  added
• 11:25
  on,
• 11:26
  I'm
• 11:27
  out.
• 11:27
  I
• 11:27
  set
• 11:27
  limits.
• 11:28
  The
• 11:29
  other
• 11:29
  one,
• 11:29
  I
• 11:29
  think
• 11:30
  that
• 11:30
  probably
• 11:31
  sounds
• 11:31
  so
• 11:31
  basic,
• 11:32
  but
• 11:32
  like,
• 11:32
  just
• 11:32
  don't
• 11:32
  shop
• 11:33
  at
• 11:33
  night
• 11:33
  when
• 11:33
  you're
• 11:34
  tired.
• 11:35
  Yeah,
• 11:35
  that
• 11:36
  is
• 11:36
  more
• 11:36
  likely
• 11:36
  to
• 11:36
  work.
• 11:37
  Right.
• 11:37
  Like,
• 11:37
  how
• 11:37
  often
• 11:37
  are
• 11:38
  you
• 11:38
  on
• 11:38
  Instagram?
• 11:38
  There's
• 11:39
  that
• 11:39
  white
• 11:39
  T
• 11:39
  shirt
• 11:39
  you
• 11:39
  were
• 11:40
  browsing
• 11:40
  the
• 11:40
  other
• 11:40
  day
• 11:41
  and
• 11:41
  suddenly
• 11:41
  it's
• 11:41
  there.
• 11:41
  I
• 11:41
  was
• 11:42
  like,
• 11:42
  ah,
• 11:42
  just
• 11:42
  grab
• 11:42
  it.
• 11:43
  Get
• 11:43
  rid
• 11:43
  of
• 11:43
  these
• 11:44
  ads.
• 11:45
  It's
• 11:46
  been
• 11:46
  following
• 11:46
  me
• 11:46
  everywhere.
• 11:47
  Fine,
• 11:47
  I'll
• 11:47
  buy
• 11:48
  it.
• 11:48
  Yeah.
• 11:48
  If
• 11:48
  you're
• 11:49
  in
• 11:49
  a
• 11:49
  rush,
• 11:49
  you're
• 11:49
  probably
• 11:50
  more
• 11:50
  likely
• 11:50
  to
• 11:51
  just
• 11:51
  chuck
• 11:51
  an
• 11:51
  add
• 11:52
  on
• 11:52
  in
• 11:52
  there
• 11:52
  or
• 11:53
  ignore
• 11:53
  the
• 11:53
  hidden
• 11:54
  fees.
• 11:55
  And
• 11:55
  it's
• 11:55
  interesting
• 11:56
  as
• 11:56
  well
• 11:56
  that
• 11:56
  you
• 11:56
  mentioned
• 11:57
  sort
• 11:57
  of
• 11:57
  the
• 11:57
  shame
• 11:57
  aspect
• 11:58
  of
• 11:58
  it,
• 11:58
  because
• 11:58
  I
• 11:59
  do
• 11:59
  feel
• 11:59
  like
• 12:00
  a
• 12:00
  lot
• 12:00
  of
• 12:00
  these
• 12:00
  tactics
• 12:01
  that
• 12:01
  you've
• 12:01
  mentioned
• 12:02
  play
• 12:02
  into
• 12:03
  either
• 12:03
  that
• 12:03
  feeling
• 12:04
  of
• 12:04
  being
• 12:04
  rushed
• 12:05
  or
• 12:05
  that
• 12:05
  feeling
• 12:05
  of
• 12:06
  not
• 12:06
  having
• 12:06
  enough
• 12:06
  time.
• 12:07
  But
• 12:07
  then
• 12:07
  there's
• 12:08
  also
• 12:08
  the
• 12:08
  emotional
• 12:08
  side
• 12:09
  of
• 12:09
  things,
• 12:09
  of,
• 12:09
  oh,
• 12:09
  you
• 12:09
  need
• 12:10
  this.
• 12:10
  This
• 12:10
  will
• 12:10
  make
• 12:10
  you
• 12:11
  feel
• 12:11
  better
• 12:11
  and
• 12:12
  you're
• 12:12
  smart
• 12:13
  if
• 12:13
  you
• 12:13
  get
• 12:13
  it.
• 12:14
  You're
• 12:15
  dumb
• 12:15
  if
• 12:15
  you
• 12:15
  don't.
• 12:16
  And
• 12:16
  that
• 12:16
  also
• 12:17
  leads
• 12:17
  this
• 12:18
  layer
• 12:18
  of
• 12:19
  shame.
• 12:19
  If
• 12:20
  you
• 12:20
  end
• 12:20
  up
• 12:20
  paying
• 12:21
  for
• 12:21
  something,
• 12:21
  you're
• 12:21
  like,
• 12:21
  ugh,
• 12:22
  I
• 12:23
  should
• 12:23
  have
• 12:23
  known
• 12:23
  better,
• 12:24
  or
• 12:24
  whatever.
• 12:25
  Why
• 12:25
  do
• 12:26
  these
• 12:26
  things
• 12:27
  work
• 12:28
  on
• 12:28
  us?
• 12:28
  Like,
• 12:28
  what
• 12:29
  are
• 12:29
  they
• 12:29
  tapping
• 12:29
  into
• 12:29
  here?
• 12:30
  Everyone
• 12:30
  wants
• 12:31
  a
• 12:31
  bargain,
• 12:31
  right?
• 12:32
  Like,
• 12:32
  that's
• 12:32
  why
• 12:32
  the
• 12:33
  word
• 12:33
  sale
• 12:33
  just
• 12:34
  works
• 12:34
  every
• 12:35
  time.
• 12:35
  And
• 12:35
  I
• 12:36
  think
• 12:36
  these
• 12:36
  days
• 12:36
  too,
• 12:38
  no
• 12:38
  one
• 12:38
  pays
• 12:39
  full
• 12:39
  price
• 12:39
  for
• 12:40
  anything
• 12:40
  if
• 12:40
  you
• 12:40
  can
• 12:41
  help
• 12:41
  it.
• 12:41
  I
• 12:41
  mean,
• 12:41
  I,
• 12:42
  you
• 12:42
  know,
• 12:42
  just
• 12:42
  yesterday
• 12:43
  I
• 12:43
  bought
• 12:43
  some.
• 12:45
  Some
• 12:45
  new
• 12:45
  earplugs
• 12:46
  for
• 12:46
  concerts
• 12:48
  and
• 12:48
  they
• 12:48
  were
• 12:48
  full
• 12:49
  price
• 12:49
  and
• 12:49
  I
• 12:49
  was
• 12:50
  like,
• 12:50
  shopping
• 12:50
  around
• 12:50
  for
• 12:50
  discount
• 12:51
  codes.
• 12:52
  I
• 12:52
  wanted
• 12:52
  10%
• 12:53
  off.
• 12:53
  Didn't
• 12:53
  get
• 12:53
  it,
• 12:54
  but
• 12:54
  I
• 12:54
  had
• 12:54
  to
• 12:54
  get
• 12:54
  them.
• 12:55
  But
• 12:55
  that's
• 12:56
  the
• 12:56
  thing.
• 12:56
  I
• 12:56
  think
• 12:56
  we
• 12:57
  all
• 12:57
  want
• 12:57
  a
• 12:57
  discount.
• 12:58
  We
• 12:58
  used
• 12:59
  to
• 12:59
  sales.
• 12:59
  That's
• 12:59
  why
• 13:00
  these
• 13:00
  sales
• 13:00
  tactics
• 13:01
  have
• 13:01
  gotten
• 13:01
  more
• 13:02
  extreme.
• 13:03
  That's
• 13:03
  why
• 13:04
  you
• 13:04
  see,
• 13:04
  like,
• 13:04
  you
• 13:04
  know,
• 13:05
  50%
• 13:06
  off
• 13:06
  when
• 13:06
  you
• 13:06
  walk
• 13:06
  into
• 13:07
  a
• 13:07
  supermarket
• 13:07
  now,
• 13:08
  which
• 13:08
  is
• 13:08
  crazy
• 13:09
  to
• 13:09
  me.
• 13:09
  You
• 13:09
  know,
• 13:10
  there
• 13:10
  are
• 13:10
  countries
• 13:10
  that
• 13:11
  don't
• 13:12
  allow
• 13:12
  that.
• 13:13
  You
• 13:13
  can
• 13:14
  only
• 13:14
  do
• 13:14
  certain
• 13:15
  amounts
• 13:15
  of
• 13:16
  discounts
• 13:16
  on
• 13:16
  food,
• 13:16
  like
• 13:17
  20
• 13:17
  or
• 13:17
  30%.
• 13:17
  I
• 13:18
  think
• 13:18
  it
• 13:18
  is
• 13:18
  in
• 13:18
  France,
• 13:19
  the
• 13:19
  discounts
• 13:19
  get
• 13:20
  higher
• 13:20
  and
• 13:20
  higher
• 13:20
  to
• 13:20
  try
• 13:21
  and
• 13:21
  get
• 13:21
  you,
• 13:21
  to
• 13:21
  lure
• 13:22
  you
• 13:22
  back
• 13:22
  in.
• 13:22
  So,
• 13:23
  yeah,
• 13:23
  that
• 13:24
  just
• 13:24
  comes
• 13:24
  back
• 13:24
  to
• 13:25
  everything
• 13:25
  being
• 13:25
  a
• 13:25
  fight.
• 13:26
  You've
• 13:26
  got
• 13:26
  to
• 13:26
  fight
• 13:26
  your
• 13:27
  way
• 13:27
  through
• 13:27
  this
• 13:29
  jungle.
• 13:31
  It's
• 13:31
  a
• 13:32
  jungle
• 13:32
  out
• 13:32
  there.
• 13:32
  It
• 13:33
  is,
• 13:33
  it
• 13:34
  is.
• 13:34
  What
• 13:34
  about
• 13:34
  in
• 13:35
  terms
• 13:35
  of
• 13:35
  the
• 13:35
  sort
• 13:36
  of
• 13:36
  the
• 13:36
  overall.
• 13:37
  Because
• 13:37
  we
• 13:37
  mentioned
• 13:38
  the
• 13:38
  government
• 13:38
  stuff,
• 13:38
  stuff.
• 13:39
  What
• 13:39
  do
• 13:39
  you
• 13:39
  think
• 13:40
  is
• 13:40
  realistic
• 13:41
  for
• 13:41
  New
• 13:42
  Zealand
• 13:42
  to
• 13:42
  bring
• 13:42
  in,
• 13:43
  in
• 13:43
  terms
• 13:43
  of
• 13:44
  any
• 13:44
  controls
• 13:44
  on
• 13:45
  these
• 13:45
  dark
• 13:45
  patterns?
• 13:46
  It's
• 13:46
  tricky
• 13:47
  because.
• 13:47
  Yeah,
• 13:48
  you're
• 13:48
  right.
• 13:48
  You
• 13:49
  can
• 13:49
  have
• 13:49
  a
• 13:49
  completely
• 13:50
  different
• 13:50
  experience
• 13:51
  on
• 13:51
  a
• 13:51
  website
• 13:52
  in
• 13:52
  Aotearoa
• 13:54
  as
• 13:55
  compared
• 13:56
  to
• 13:56
  someone
• 13:56
  who
• 13:56
  lives
• 13:56
  in,
• 13:57
  like
• 13:57
  the
• 13:57
  UK
• 13:58
  or
• 13:58
  America,
• 13:59
  where
• 13:59
  there
• 13:59
  are
• 13:59
  restrictions
• 14:00
  on
• 14:00
  these
• 14:00
  kinds
• 14:01
  of
• 14:01
  things.
• 14:02
  Yeah,
• 14:02
  we
• 14:02
  know
• 14:02
  these
• 14:02
  things
• 14:03
  work
• 14:03
  too.
• 14:03
  We
• 14:04
  know
• 14:04
  they
• 14:05
  take
• 14:05
  people's
• 14:06
  time
• 14:06
  and
• 14:06
  money
• 14:06
  and
• 14:07
  harm
• 14:07
  their
• 14:08
  emotions.
• 14:08
  So
• 14:09
  do
• 14:09
  we
• 14:09
  have
• 14:09
  to
• 14:10
  wait
• 14:10
  for
• 14:10
  Australia
• 14:10
  to
• 14:10
  do
• 14:11
  this?
• 14:11
  Probably.
• 14:12
  I
• 14:12
  mean,
• 14:12
  probably
• 14:13
  we
• 14:13
  do.
• 14:14
  That's
• 14:14
  just
• 14:14
  how
• 14:14
  things
• 14:15
  seem
• 14:15
  to
• 14:15
  go.
• 14:18
  I'd
• 14:18
  love
• 14:18
  to
• 14:18
  get
• 14:18
  this
• 14:18
  research
• 14:19
  in
• 14:19
  front
• 14:19
  of,
• 14:20
  you
• 14:20
  know,
• 14:20
  the
• 14:20
  right
• 14:21
  people,
• 14:21
  see
• 14:22
  if
• 14:22
  they
• 14:22
  can
• 14:22
  do
• 14:22
  something
• 14:22
  about
• 14:23
  it.
• 14:23
  I
• 14:23
  really
• 14:23
  don't
• 14:23
  think
• 14:23
  it
• 14:24
  would
• 14:24
  take
• 14:24
  that
• 14:24
  much.
• 14:25
  You
• 14:25
  know,
• 14:26
  it's
• 14:26
  really
• 14:26
  just
• 14:26
  adjusting
• 14:27
  the
• 14:27
  laws.
• 14:27
  We
• 14:27
  have
• 14:28
  to
• 14:28
  include
• 14:29
  those.
• 14:29
  Like,
• 14:30
  we've
• 14:30
  identified
• 14:30
  10
• 14:31
  key
• 14:31
  dark
• 14:32
  patterns.
• 14:32
  You
• 14:33
  listed
• 14:33
  some
• 14:33
  of
• 14:33
  them
• 14:33
  earlier.
• 14:35
  It
• 14:35
  wouldn't
• 14:36
  take
• 14:36
  a
• 14:36
  lot
• 14:36
  to
• 14:36
  just
• 14:36
  get
• 14:37
  those
• 14:37
  kind
• 14:37
  of,
• 14:37
  like,
• 14:38
  funneled
• 14:38
  into
• 14:39
  some
• 14:39
  of
• 14:39
  the
• 14:39
  legislation.
• 14:40
  We
• 14:40
  have
• 14:41
  to
• 14:41
  stop
• 14:41
  it
• 14:41
  from
• 14:41
  happening.
• 14:42
  Are
• 14:42
  we
• 14:42
  looser
• 14:43
  on
• 14:43
  this
• 14:43
  stuff
• 14:43
  in
• 14:43
  New
• 14:44
  Zealand
• 14:44
  than
• 14:44
  other
• 14:45
  comparable
• 14:46
  countries.
• 14:46
  Yes,
• 14:46
  100%
• 14:47
  in
• 14:48
  Australia.
• 14:48
  There
• 14:49
  was
• 14:49
  some
• 14:49
  key
• 14:49
  research
• 14:50
  done
• 14:51
  and
• 14:51
  that
• 14:52
  is
• 14:52
  what
• 14:52
  led
• 14:52
  to
• 14:53
  the
• 14:53
  changes
• 14:54
  over
• 14:54
  there.
• 14:54
  So,
• 14:55
  yeah,
• 14:55
  our
• 14:56
  fingers
• 14:56
  are
• 14:56
  crossed.
• 14:56
  We're
• 14:57
  trying
• 14:57
  to,
• 14:57
  we're
• 14:58
  really
• 14:58
  trying.
• 15:00
  It
• 15:00
  does
• 15:00
  feel
• 15:00
  like
• 15:01
  psychological
• 15:01
  warfare
• 15:02
  though,
• 15:02
  doesn't
• 15:02
  it?
• 15:02
  And
• 15:02
  it's,
• 15:02
  it's,
• 15:03
  it's
• 15:03
  everywhere.
• 15:03
  It's,
• 15:04
  it's
• 15:04
  often
• 15:04
  in
• 15:04
  these
• 15:04
  core
• 15:05
  spending
• 15:05
  categories.
• 15:06
  It's,
• 15:06
  it's
• 15:06
  online,
• 15:07
  it's
• 15:07
  following
• 15:07
  you
• 15:07
  around
• 15:08
  your
• 15:08
  online
• 15:08
  life,
• 15:08
  which
• 15:09
  for
• 15:09
  a
• 15:09
  lot
• 15:09
  of
• 15:09
  us
• 15:09
  is
• 15:09
  quite
• 15:09
  big
• 15:10
  these
• 15:10
  days.
• 15:10
  And
• 15:10
  then
• 15:11
  there's
• 15:11
  also
• 15:11
  this
• 15:11
  stuff
• 15:11
  in
• 15:12
  person
• 15:12
  as
• 15:12
  well.
• 15:12
  You
• 15:12
  mentioned,
• 15:13
  you
• 15:13
  know,
• 15:13
  with,
• 15:13
  with
• 15:14
  food
• 15:14
  and
• 15:14
  things.
• 15:15
  Let's
• 15:16
  get
• 15:16
  into
• 15:16
  that.
• 15:17
  Yeah,
• 15:17
  because
• 15:18
  that's,
• 15:18
  that's
• 15:18
  a
• 15:18
  massive
• 15:19
  category.
• 15:19
  You
• 15:19
  can't
• 15:20
  not
• 15:20
  eat.
• 15:21
  You
• 15:21
  walk
• 15:21
  into
• 15:21
  a
• 15:21
  supermarket.
• 15:23
  What's
• 15:23
  happening
• 15:23
  as
• 15:24
  soon
• 15:24
  as
• 15:24
  you
• 15:24
  walk
• 15:24
  in
• 15:25
  so
• 15:25
  much,
• 15:26
  so
• 15:26
  much.
• 15:26
  Just,
• 15:27
  just,
• 15:28
  just
• 15:28
  visual
• 15:29
  overload.
• 15:29
  I
• 15:30
  went
• 15:30
  to
• 15:30
  a
• 15:30
  supermarket
• 15:31
  with
• 15:32
  a
• 15:32
  marketing
• 15:33
  expert
• 15:34
  from
• 15:34
  AUT
• 15:34
  and
• 15:35
  I
• 15:35
  was
• 15:35
  like,
• 15:36
  let's
• 15:36
  just
• 15:36
  walk
• 15:37
  around
• 15:37
  the
• 15:37
  supermarket,
• 15:38
  tell
• 15:38
  me
• 15:38
  what's
• 15:38
  going
• 15:38
  on.
• 15:39
  And
• 15:40
  she
• 15:40
  just
• 15:41
  pointed
• 15:41
  out
• 15:41
  that
• 15:42
  there
• 15:42
  are,
• 15:43
  there's
• 15:44
  this
• 15:44
  signage,
• 15:45
  there
• 15:45
  are
• 15:45
  sales
• 15:46
  signs
• 15:47
  coming
• 15:47
  at
• 15:48
  you
• 15:48
  from
• 15:48
  everywhere.
• 15:49
  There
• 15:49
  are
• 15:49
  these
• 15:49
  different
• 15:49
  tiers
• 15:50
  of
• 15:50
  loyalty,
• 15:51
  like
• 15:52
  membership
• 15:52
  specials
• 15:52
  and
• 15:53
  loyalty
• 15:53
  cards.
• 15:53
  And
• 15:53
  now
• 15:54
  boosts
• 15:54
  with
• 15:54
  those
• 15:54
  loyalty
• 15:55
  cards,
• 15:55
  you've
• 15:56
  gotta
• 15:56
  navigate
• 15:56
  your
• 15:56
  way
• 15:56
  through.
• 15:57
  There's
• 15:57
  often
• 15:58
  three
• 15:58
  different
• 15:58
  colours
• 15:59
  of
• 16:00
  sale
• 16:00
  signs
• 16:00
  on
• 16:01
  each
• 16:01
  item
• 16:02
  now.
• 16:03
  And
• 16:03
  so
• 16:03
  every
• 16:03
  item
• 16:04
  you're
• 16:04
  putting
• 16:05
  into
• 16:05
  your
• 16:06
  trolley
• 16:06
  is
• 16:06
  like,
• 16:08
  you've
• 16:08
  gotta
• 16:08
  try
• 16:08
  and
• 16:09
  work
• 16:09
  out
• 16:09
  what
• 16:09
  the
• 16:09
  price
• 16:09
  is,
• 16:10
  whether
• 16:10
  you
• 16:10
  wanna
• 16:11
  pay
• 16:11
  that
• 16:11
  price.
• 16:11
  And
• 16:11
  it's
• 16:12
  exhausting.
• 16:12
  And
• 16:12
  that
• 16:13
  is
• 16:13
  the
• 16:13
  point.
• 16:13
  It's
• 16:13
  called
• 16:14
  decision
• 16:14
  fatigue.
• 16:15
  So
• 16:15
  it's
• 16:15
  designed
• 16:16
  to
• 16:16
  get
• 16:16
  you
• 16:16
  to
• 16:16
  the
• 16:16
  point
• 16:16
  as
• 16:16
  quickly
• 16:17
  as
• 16:17
  possible
• 16:17
  that
• 16:17
  you
• 16:18
  just
• 16:18
  go,
• 16:18
  oh,
• 16:18
  don't
• 16:19
  care.
• 16:19
  Chuck
• 16:19
  it
• 16:19
  all
• 16:19
  in
• 16:20
  there,
• 16:20
  let's
• 16:20
  get
• 16:20
  this
• 16:20
  over
• 16:21
  with.
• 16:23
  And
• 16:23
  so
• 16:23
  after
• 16:24
  that
• 16:24
  trip,
• 16:24
  I
• 16:24
  was
• 16:24
  like,
• 16:25
  I
• 16:25
  don't
• 16:26
  know.
• 16:26
  I
• 16:26
  was
• 16:26
  still
• 16:26
  skeptical.
• 16:27
  I
• 16:27
  was
• 16:27
  like,
• 16:27
  I'm
• 16:27
  going
• 16:28
  to
• 16:28
  go
• 16:28
  to
• 16:28
  a
• 16:28
  supermarket
• 16:29
  and
• 16:29
  I'm
• 16:30
  going
• 16:30
  to
• 16:30
  do
• 16:30
  my
• 16:30
  normal
• 16:30
  shop
• 16:31
  and
• 16:31
  I'm
• 16:32
  going
• 16:32
  to
• 16:32
  spend
• 16:32
  as
• 16:32
  much
• 16:33
  time
• 16:33
  as
• 16:33
  I
• 16:33
  need
• 16:33
  to
• 16:34
  analyzing
• 16:35
  each
• 16:35
  item.
• 16:35
  And
• 16:36
  then
• 16:36
  I
• 16:36
  opened
• 16:36
  up
• 16:37
  one
• 16:38
  of
• 16:38
  these
• 16:38
  grocery
• 16:39
  comparison
• 16:39
  apps
• 16:40
  to
• 16:40
  see
• 16:40
  if
• 16:40
  it
• 16:40
  was
• 16:40
  the
• 16:40
  cheapest
• 16:41
  price.
• 16:42
  And
• 16:42
  then
• 16:42
  I
• 16:42
  was
• 16:43
  navigating
• 16:43
  the
• 16:43
  shelves.
• 16:44
  Which
• 16:44
  item
• 16:45
  is
• 16:45
  cheapest?
• 16:46
  I
• 16:46
  tell
• 16:47
  you,
• 16:47
  I
• 16:47
  got
• 16:47
  to
• 16:47
  the
• 16:47
  end
• 16:48
  of
• 16:48
  that
• 16:48
  experience.
• 16:49
  I
• 16:49
  was
• 16:50
  exhausted.
• 16:51
  I
• 16:51
  was
• 16:51
  just
• 16:52
  completely
• 16:52
  wrecked.
• 16:53
  There's
• 16:53
  so
• 16:53
  much
• 16:54
  information
• 16:55
  thrown
• 16:55
  at
• 16:56
  you
• 16:56
  that
• 16:57
  it's.
• 16:57
  Yeah,
• 16:58
  you
• 16:58
  do
• 16:58
  just
• 16:58
  get
• 16:58
  to
• 16:59
  the
• 16:59
  end
• 16:59
  of
• 16:59
  that
• 16:59
  experience
• 16:59
  and
• 17:00
  you
• 17:00
  go,
• 17:00
  I
• 17:00
  don't
• 17:01
  care.
• 17:01
  I
• 17:01
  want
• 17:01
  this
• 17:02
  to
• 17:02
  end.
• 17:02
  Like,
• 17:03
  I
• 17:03
  feel
• 17:03
  like
• 17:03
  everyone
• 17:04
  has
• 17:04
  Like
• 17:05
  a
• 17:05
  tiring
• 17:05
  job
• 17:05
  these
• 17:06
  days
• 17:06
  if
• 17:06
  you've
• 17:07
  got
• 17:07
  a
• 17:07
  family
• 17:07
  that's
• 17:08
  tiring.
• 17:09
  Maybe
• 17:09
  that's
• 17:10
  me
• 17:10
  bringing
• 17:10
  my
• 17:10
  own
• 17:10
  bias,
• 17:11
  but
• 17:11
  I
• 17:11
  love
• 17:11
  my
• 17:11
  family,
• 17:12
  but
• 17:12
  they're
• 17:12
  tiring.
• 17:13
  And
• 17:13
  then
• 17:14
  when
• 17:14
  you're
• 17:14
  trying
• 17:14
  to
• 17:14
  get
• 17:15
  through
• 17:15
  these
• 17:15
  life
• 17:15
  admin
• 17:16
  things,
• 17:17
  if
• 17:17
  they're
• 17:17
  deliberately
• 17:18
  then
• 17:18
  piling
• 17:18
  on
• 17:19
  the
• 17:19
  decision
• 17:19
  fatigue
• 17:19
  and
• 17:20
  making
• 17:20
  it
• 17:20
  tricky,
• 17:22
  of
• 17:22
  course,
• 17:22
  you
• 17:22
  hit
• 17:22
  the
• 17:22
  point
• 17:23
  where
• 17:23
  you're
• 17:23
  like,
• 17:23
  whatever,
• 17:23
  don't
• 17:24
  care,
• 17:24
  and
• 17:24
  you
• 17:24
  spend
• 17:24
  more
• 17:24
  than
• 17:25
  you
• 17:25
  intended
• 17:25
  to.
• 17:26
  And
• 17:26
  so
• 17:26
  that's
• 17:27
  deliberate.
• 17:27
  I
• 17:28
  mean,
• 17:28
  if
• 17:28
  you
• 17:28
  ask
• 17:28
  the
• 17:29
  supermarkets,
• 17:29
  they'd
• 17:30
  probably
• 17:30
  say
• 17:31
  it's
• 17:31
  not.
• 17:32
  You
• 17:32
  know,
• 17:32
  the
• 17:32
  best
• 17:32
  $5
• 17:33
  I
• 17:33
  spend
• 17:33
  every
• 17:34
  week
• 17:35
  is
• 17:35
  paying
• 17:35
  someone
• 17:35
  to
• 17:36
  bag
• 17:36
  up
• 17:36
  those
• 17:36
  groceries
• 17:37
  for
• 17:37
  me.
• 17:37
  So
• 17:38
  you'll
• 17:38
  only
• 17:38
  online
• 17:38
  shop
• 17:39
  now
• 17:39
  for
• 17:39
  your
• 17:39
  groceries.
• 17:40
  I'll
• 17:40
  do.
• 17:40
  Look,
• 17:41
  I've
• 17:41
  got
• 17:41
  teenagers,
• 17:42
  and
• 17:42
  my
• 17:42
  son
• 17:43
  had
• 17:43
  a
• 17:43
  16th
• 17:43
  on
• 17:44
  Sunday.
• 17:44
  They
• 17:44
  ate
• 17:45
  everything
• 17:45
  in
• 17:45
  the
• 17:45
  house.
• 17:46
  He
• 17:46
  had
• 17:47
  seven
• 17:47
  friends
• 17:47
  over.
• 17:48
  It
• 17:48
  was
• 17:49
  unbelievable
• 17:49
  how
• 17:50
  much
• 17:50
  food
• 17:50
  they
• 17:50
  ate.
• 17:51
  I'm
• 17:51
  very
• 17:51
  concerned
• 17:52
  when
• 17:52
  I
• 17:52
  get.
• 17:52
  I've
• 17:52
  got
• 17:52
  two
• 17:53
  boys
• 17:53
  and
• 17:53
  I'm
• 17:53
  very
• 17:54
  concerned
• 17:54
  about
• 17:54
  when
• 17:54
  they
• 17:55
  get
• 17:55
  to
• 17:55
  the
• 17:55
  teenage
• 17:55
  stage.
• 17:56
  You
• 17:56
  should
• 17:56
  be.
• 17:57
  Yeah,
• 17:58
  just
• 17:58
  start
• 17:58
  saving
• 17:59
  right
• 17:59
  now.
• 18:00
  Well,
• 18:00
  Gilmore's
• 18:01
  and
• 18:01
  Costco
• 18:01
  are
• 18:01
  gonna
• 18:01
  be
• 18:01
  your
• 18:01
  best
• 18:02
  friends.
• 18:02
  Okay,
• 18:02
  yeah,
• 18:03
  we
• 18:03
  can
• 18:03
  talk
• 18:04
  about
• 18:04
  that.
• 18:04
  But,
• 18:05
  yeah,
• 18:05
  no,
• 18:06
  I
• 18:06
  was
• 18:06
  at
• 18:06
  a
• 18:06
  supermarket
• 18:07
  yesterday.
• 18:07
  I
• 18:07
  did
• 18:07
  need
• 18:07
  to
• 18:08
  go
• 18:08
  and
• 18:08
  get
• 18:08
  some
• 18:08
  more
• 18:08
  food,
• 18:09
  but
• 18:10
  once
• 18:10
  a
• 18:11
  week,
• 18:11
  no,
• 18:12
  I'll
• 18:12
  sit
• 18:12
  at
• 18:12
  home
• 18:13
  one
• 18:13
  night,
• 18:13
  I'll
• 18:14
  just
• 18:14
  load
• 18:14
  up
• 18:14
  our
• 18:14
  basket,
• 18:15
  compare
• 18:15
  it
• 18:15
  to
• 18:15
  the
• 18:16
  lists,
• 18:16
  make
• 18:16
  sure
• 18:17
  we're
• 18:17
  getting
• 18:17
  everything
• 18:17
  we
• 18:17
  need.
• 18:18
  It
• 18:18
  saves
• 18:19
  me
• 18:19
  time.
• 18:19
  I
• 18:20
  just
• 18:20
  roll
• 18:20
  up,
• 18:20
  open
• 18:21
  my
• 18:21
  boot,
• 18:21
  load
• 18:22
  the
• 18:22
  groceries
• 18:22
  and
• 18:22
  get
• 18:23
  out
• 18:23
  of
• 18:23
  there.
• 18:23
  So
• 18:24
  I'm
• 18:24
  not
• 18:24
  spending
• 18:24
  an
• 18:24
  hour
• 18:24
  walking
• 18:25
  around
• 18:25
  that
• 18:25
  supermarket
• 18:26
  and
• 18:26
  then
• 18:26
  overspending.
• 18:27
  And
• 18:27
  so
• 18:27
  it
• 18:27
  saves
• 18:27
  me
• 18:28
  money
• 18:28
  as
• 18:28
  well.
• 18:28
  Right.
• 18:29
  So
• 18:29
  reduce
• 18:29
  that
• 18:29
  decision
• 18:30
  fatigue
• 18:30
  by
• 18:30
  moving
• 18:31
  your
• 18:31
  main
• 18:32
  supermarket
• 18:32
  shop
• 18:33
  online
• 18:34
  if
• 18:34
  you
• 18:34
  can
• 18:35
  afford
• 18:35
  to
• 18:35
  do
• 18:35
  that.
• 18:36
  And
• 18:37
  if
• 18:37
  you're
• 18:37
  busy
• 18:38
  like
• 18:38
  I
• 18:38
  am
• 18:38
  or
• 18:39
  you
• 18:39
  are,
• 18:39
  then.
• 18:40
  Then
• 18:40
  it
• 18:40
  saves
• 18:41
  you
• 18:41
  an
• 18:41
  hour.
• 18:41
  Do
• 18:42
  you
• 18:42
  think
• 18:42
  it
• 18:42
  might
• 18:42
  end
• 18:42
  up
• 18:42
  saving
• 18:43
  you
• 18:43
  money
• 18:43
  too,
• 18:43
  though,
• 18:43
  with,
• 18:44
  you
• 18:44
  know,
• 18:44
  not
• 18:44
  having
• 18:44
  the
• 18:45
  browsing
• 18:46
  through
• 18:46
  the
• 18:46
  shelves
• 18:46
  and
• 18:46
  the
• 18:47
  easier
• 18:47
  comparisons?
• 18:49
  That.
• 18:49
  Yes,
• 18:49
  that.
• 18:50
  Yeah.
• 18:51
  And
• 18:51
  also,
• 18:52
  like,
• 18:52
  you
• 18:52
  know,
• 18:52
  everyone's
• 18:53
  been
• 18:53
  to
• 18:53
  the
• 18:53
  supermarket
• 18:53
  when
• 18:54
  they're
• 18:54
  hungry
• 18:54
  and
• 18:54
  they
• 18:54
  end
• 18:55
  up
• 18:55
  buying
• 18:56
  way
• 18:57
  too
• 18:57
  much
• 18:57
  food.
• 18:58
  There's
• 18:59
  another
• 18:59
  factor
• 18:59
  to
• 18:59
  this,
• 19:00
  too.
• 19:00
  And
• 19:00
  I've,
• 19:00
  you
• 19:00
  know,
• 19:01
  I've
• 19:01
  spoken
• 19:01
  to
• 19:02
  supermarket
• 19:03
  suppliers.
• 19:04
  You
• 19:04
  know,
• 19:04
  they're
• 19:05
  struggling
• 19:06
  in
• 19:06
  this
• 19:06
  duopoly
• 19:07
  situation.
• 19:08
  They're
• 19:09
  just
• 19:09
  constantly
• 19:10
  being
• 19:10
  pushed
• 19:11
  to
• 19:11
  offered
• 19:12
  cheaper
• 19:12
  prices
• 19:12
  and
• 19:13
  more
• 19:13
  discounts
• 19:14
  when
• 19:14
  their
• 19:14
  own
• 19:14
  costs
• 19:15
  are
• 19:15
  going
• 19:15
  up,
• 19:15
  their
• 19:16
  own
• 19:16
  weight.
• 19:16
  You
• 19:16
  know,
• 19:17
  salaries
• 19:17
  for
• 19:18
  their
• 19:18
  staff
• 19:18
  are
• 19:18
  going
• 19:19
  up,
• 19:19
  equipment's
• 19:20
  going
• 19:20
  up,
• 19:21
  and.
• 19:22
  And
• 19:22
  the
• 19:22
  Supermarkets
• 19:23
  are
• 19:23
  asking
• 19:23
  them
• 19:23
  to
• 19:23
  push
• 19:24
  their
• 19:24
  prices
• 19:24
  down.
• 19:25
  Yeah.
• 19:26
  So
• 19:27
  you
• 19:27
  know,
• 19:27
  when
• 19:27
  I've
• 19:28
  seen
• 19:28
  how
• 19:28
  tough
• 19:28
  some
• 19:28
  of
• 19:29
  them
• 19:29
  are
• 19:29
  doing
• 19:30
  it
• 19:30
  as
• 19:30
  well,
• 19:31
  it
• 19:31
  does
• 19:31
  make
• 19:31
  me
• 19:32
  pretty
• 19:32
  angry,
• 19:33
  which
• 19:33
  is
• 19:33
  another
• 19:34
  reason
• 19:34
  for
• 19:34
  me
• 19:34
  not
• 19:34
  to
• 19:35
  go
• 19:35
  into
• 19:35
  the
• 19:36
  supermarkets
• 19:36
  and
• 19:36
  to
• 19:36
  try
• 19:37
  and
• 19:37
  shop.
• 19:37
  A
• 19:37
  friend
• 19:38
  actually
• 19:38
  gave
• 19:38
  me
• 19:39
  some
• 19:39
  really
• 19:40
  good
• 19:40
  advice
• 19:40
  and
• 19:40
  it's
• 19:41
  advice
• 19:41
  I've
• 19:41
  taken
• 19:41
  on
• 19:42
  and
• 19:43
  that's
• 19:43
  that
• 19:43
  if
• 19:43
  you
• 19:44
  can
• 19:44
  afford
• 19:44
  it,
• 19:45
  treating
• 19:45
  your
• 19:45
  own
• 19:46
  pantry
• 19:47
  like
• 19:47
  a
• 19:47
  mini
• 19:48
  supermarket
• 19:49
  is
• 19:49
  the
• 19:49
  best
• 19:50
  way
• 19:50
  to
• 19:50
  navigate
• 19:50
  this.
• 19:51
  Right.
• 19:51
  So
• 19:52
  you
• 19:52
  know,
• 19:52
  if
• 19:52
  you
• 19:52
  do
• 19:52
  a
• 19:53
  weekly
• 19:53
  shop,
• 19:53
  instead
• 19:54
  of
• 19:54
  buying
• 19:55
  three
• 19:55
  oat
• 19:55
  milks,
• 19:57
  $4
• 19:57
  each,
• 19:58
  full
• 19:58
  price,
• 19:59
  and
• 20:00
  then
• 20:00
  maybe
• 20:00
  once
• 20:00
  every
• 20:01
  four
• 20:01
  or
• 20:01
  five
• 20:01
  weeks
• 20:01
  getting
• 20:02
  them
• 20:02
  on
• 20:02
  special.
• 20:03
  We're
• 20:03
  not
• 20:03
  on
• 20:03
  special.
• 20:04
  Buy
• 20:04
  12
• 20:04
  of
• 20:04
  them.
• 20:05
  That
• 20:06
  way
• 20:06
  you're
• 20:06
  getting
• 20:06
  them
• 20:06
  for,
• 20:07
  I
• 20:07
  don't
• 20:07
  know,
• 20:07
  $2.50,
• 20:08
  $3
• 20:08
  and
• 20:09
  you're
• 20:09
  only
• 20:09
  using
• 20:09
  those.
• 20:09
  So
• 20:10
  they're
• 20:10
  sitting
• 20:10
  in
• 20:10
  your
• 20:10
  pantry
• 20:11
  and
• 20:11
  you're
• 20:11
  topping
• 20:12
  that
• 20:12
  up
• 20:12
  because
• 20:13
  those
• 20:13
  prices
• 20:14
  are
• 20:14
  so
• 20:15
  expensive
• 20:15
  now
• 20:16
  and
• 20:17
  you
• 20:17
  can
• 20:17
  save
• 20:17
  a
• 20:17
  lot
• 20:17
  of
• 20:17
  money
• 20:17
  doing
• 20:18
  that.
• 20:18
  Know
• 20:18
  your
• 20:19
  staples,
• 20:19
  stock
• 20:19
  up
• 20:19
  when
• 20:20
  you
• 20:20
  can.
• 20:20
  You
• 20:20
  sound
• 20:21
  like
• 20:21
  someone
• 20:21
  who's
• 20:21
  already
• 20:21
  dined
• 20:22
  us.
• 20:23
  Oh,
• 20:24
  definitely,
• 20:24
  yeah.
• 20:25
  We've
• 20:25
  got
• 20:25
  some
• 20:25
  dairy
• 20:26
  free
• 20:26
  people
• 20:26
  in
• 20:26
  our
• 20:26
  house,
• 20:27
  we've
• 20:27
  got
• 20:28
  one
• 20:28
  dairy
• 20:28
  free
• 20:28
  and
• 20:28
  one
• 20:29
  gluten
• 20:29
  free
• 20:29
  and
• 20:30
  if
• 20:30
  they
• 20:30
  could
• 20:30
  just
• 20:30
  combine
• 20:30
  their
• 20:31
  allergies
• 20:31
  next
• 20:31
  time.
• 20:31
  So
• 20:31
  I'm
• 20:32
  only
• 20:32
  having
• 20:32
  to
• 20:32
  worry
• 20:33
  about
• 20:33
  one
• 20:33
  at
• 20:34
  a
• 20:34
  time.
• 20:35
  Can
• 20:35
  both
• 20:35
  be
• 20:35
  quite
• 20:35
  expensive.
• 20:36
  So
• 20:36
  yeah,
• 20:36
  anything
• 20:37
  that
• 20:37
  I
• 20:37
  can
• 20:37
  stock
• 20:38
  up,
• 20:38
  especially
• 20:38
  on
• 20:39
  the
• 20:39
  allergy
• 20:39
  stuff.
• 20:41
  You
• 20:41
  betcha,
• 20:42
  yeah.
• 20:43
  If
• 20:43
  you've
• 20:43
  got
• 20:43
  a
• 20:43
  cheese
• 20:44
  freezer,
• 20:44
  fill
• 20:44
  that
• 20:45
  up
• 20:45
  with
• 20:45
  cheap
• 20:45
  products.
• 20:46
  If
• 20:46
  you
• 20:46
  can
• 20:46
  go
• 20:46
  to
• 20:47
  Gilmore's
• 20:47
  or
• 20:47
  Costco,
• 20:48
  if
• 20:48
  you
• 20:48
  live
• 20:49
  near
• 20:49
  one
• 20:49
  of
• 20:49
  those,
• 20:49
  if
• 20:50
  you're
• 20:50
  in
• 20:50
  Auckland
• 20:51
  like
• 20:51
  I,
• 20:52
  I
• 20:52
  use
• 20:52
  those
• 20:52
  places
• 20:53
  all
• 20:53
  of
• 20:54
  the
• 20:54
  time.
• 20:54
  Buying
• 20:54
  in
• 20:54
  bulk
• 20:55
  can,
• 20:55
  can
• 20:55
  really
• 20:56
  help.
• 20:57
  But
• 20:57
  again,
• 20:57
  you've
• 20:57
  got
• 20:58
  to
• 20:58
  have
• 20:58
  money
• 20:58
  to
• 20:58
  be
• 20:58
  able
• 20:58
  to
• 20:59
  do
• 20:59
  this.
• 20:59
  You've
• 20:59
  got
• 20:59
  to
• 20:59
  have
• 21:00
  the
• 21:00
  time
• 21:00
  to
• 21:00
  be
• 21:00
  able
• 21:00
  to
• 21:01
  go
• 21:01
  there,
• 21:01
  you've
• 21:01
  got
• 21:01
  to
• 21:01
  be
• 21:01
  able
• 21:01
  to
• 21:02
  plan
• 21:02
  ahead.
• 21:03
  None
• 21:03
  of
• 21:04
  this
• 21:04
  is
• 21:04
  easy.
• 21:04
  No.
• 21:05
  What
• 21:05
  about
• 21:05
  in
• 21:06
  terms
• 21:06
  of.
• 21:07
  Because
• 21:07
  I
• 21:07
  know
• 21:08
  I
• 21:08
  threw
• 21:08
  something
• 21:08
  out
• 21:08
  to
• 21:08
  the
• 21:09
  social
• 21:09
  media
• 21:09
  audience
• 21:09
  the
• 21:09
  other
• 21:10
  day
• 21:10
  and
• 21:10
  said,
• 21:10
  what's
• 21:10
  your
• 21:10
  cost
• 21:10
  of
• 21:10
  living
• 21:11
  hacks?
• 21:12
  First
• 21:12
  of
• 21:12
  all,
• 21:12
  the
• 21:12
  interesting
• 21:13
  thing
• 21:13
  to
• 21:13
  me
• 21:13
  was
• 21:13
  everyone
• 21:14
  was
• 21:14
  coming
• 21:14
  back
• 21:14
  with
• 21:14
  food
• 21:15
  hacks.
• 21:15
  So
• 21:16
  food
• 21:16
  is
• 21:16
  clearly
• 21:17
  very
• 21:17
  top
• 21:17
  of
• 21:17
  mind
• 21:18
  for
• 21:18
  people
• 21:18
  and
• 21:19
  same
• 21:20
  team,
• 21:20
  same
• 21:20
  food
• 21:20
  is
• 21:21
  just
• 21:21
  insane.
• 21:22
  But
• 21:23
  the
• 21:23
  other
• 21:23
  thing
• 21:23
  a
• 21:24
  lot
• 21:24
  of
• 21:24
  people
• 21:24
  are
• 21:24
  talking
• 21:24
  about
• 21:24
  the
• 21:25
  price
• 21:25
  comparison
• 21:26
  apps.
• 21:27
  So
• 21:28
  do
• 21:28
  you
• 21:28
  rate
• 21:29
  them?
• 21:29
  Which
• 21:29
  ones?
• 21:30
  Do
• 21:30
  you
• 21:30
  rate
• 21:30
  them
• 21:30
  100%.
• 21:31
  Yeah.
• 21:31
  Grow,
• 21:31
  save
• 21:32
  and
• 21:33
  Grocer
• 21:33
  and
• 21:33
  Z
• 21:34
  and
• 21:34
  they're
• 21:34
  both
• 21:35
  apps.
• 21:35
  So
• 21:35
  that
• 21:35
  comparison
• 21:36
  apps
• 21:36
  you
• 21:37
  sign
• 21:37
  up,
• 21:38
  you
• 21:38
  can
• 21:38
  put
• 21:39
  in
• 21:39
  your
• 21:39
  favorite
• 21:39
  supermarkets
• 21:40
  and
• 21:40
  then
• 21:41
  your
• 21:41
  favorite
• 21:41
  products,
• 21:42
  and
• 21:42
  then
• 21:42
  at
• 21:42
  the
• 21:42
  beginning
• 21:43
  of
• 21:43
  every
• 21:43
  week,
• 21:44
  you
• 21:44
  can
• 21:44
  see
• 21:45
  who's
• 21:45
  got
• 21:45
  those
• 21:46
  products
• 21:46
  the
• 21:46
  cheapest
• 21:47
  and
• 21:47
  sort
• 21:47
  of
• 21:48
  shop
• 21:48
  accordingly.
• 21:49
  They're
• 21:50
  really
• 21:50
  good.
• 21:50
  But
• 21:51
  my
• 21:51
  favorite
• 21:51
  actually
• 21:51
  is
• 21:52
  Price
• 21:52
  Pulse,
• 21:52
  which
• 21:53
  is
• 21:53
  a
• 21:53
  recent
• 21:54
  addition.
• 21:55
  And
• 21:55
  that's
• 21:55
  not
• 21:55
  an
• 21:55
  app,
• 21:55
  that
• 21:56
  is
• 21:56
  a.
• 21:57
  It's
• 21:57
  an
• 21:58
  overlay
• 21:58
  for
• 21:58
  your
• 21:59
  website
• 21:59
  and
• 21:59
  it's
• 21:59
  a
• 21:59
  little
• 22:00
  broccoli
• 22:00
  that
• 22:00
  sits
• 22:00
  in
• 22:01
  the
• 22:01
  corner
• 22:01
  of
• 22:01
  your
• 22:01
  screen.
• 22:02
  And
• 22:03
  how
• 22:03
  it
• 22:03
  works
• 22:03
  is
• 22:03
  you
• 22:03
  load
• 22:04
  up
• 22:04
  your
• 22:04
  basket
• 22:04
  wherever
• 22:05
  you
• 22:05
  usually
• 22:06
  shop,
• 22:06
  New
• 22:06
  World,
• 22:07
  Pack
• 22:07
  and
• 22:07
  Save,
• 22:08
  Woolworths,
• 22:08
  whatever,
• 22:09
  and
• 22:10
  it'll
• 22:10
  tell
• 22:10
  you
• 22:10
  not
• 22:11
  only
• 22:11
  the
• 22:11
  historical
• 22:12
  prices
• 22:13
  of
• 22:13
  those
• 22:14
  products,
• 22:14
  but
• 22:14
  also
• 22:15
  if
• 22:15
  you're
• 22:15
  getting
• 22:16
  your
• 22:16
  basket
• 22:16
  the
• 22:17
  cheapest.
• 22:18
  And
• 22:18
  if
• 22:18
  you're
• 22:18
  not,
• 22:19
  it
• 22:19
  will
• 22:19
  transfer
• 22:20
  the
• 22:20
  items
• 22:21
  to
• 22:21
  a
• 22:21
  different
• 22:21
  supermarket
• 22:22
  or
• 22:22
  half
• 22:22
  the
• 22:22
  shop
• 22:23
  if
• 22:23
  you
• 22:23
  want
• 22:23
  to
• 22:23
  split
• 22:23
  the
• 22:23
  shop.
• 22:25
  And
• 22:25
  the
• 22:26
  items
• 22:26
  that
• 22:26
  you
• 22:26
  can
• 22:26
  get
• 22:27
  cheaper
• 22:27
  elsewhere,
• 22:28
  it'll
• 22:28
  load
• 22:29
  up
• 22:29
  a
• 22:29
  basket
• 22:29
  somewhere
• 22:30
  else.
• 22:30
  Oh,
• 22:30
  my
• 22:31
  God.
• 22:31
  Brilliant.
• 22:31
  Yeah.
• 22:32
  So
• 22:32
  it's
• 22:33
  taking
• 22:33
  all
• 22:33
  of
• 22:33
  that
• 22:33
  admin
• 22:34
  y
• 22:34
  work
• 22:34
  away
• 22:34
  and
• 22:35
  like,
• 22:35
  literally
• 22:35
  just
• 22:35
  doing
• 22:35
  it
• 22:36
  for
• 22:36
  you.
• 22:36
  Yeah,
• 22:36
  yeah,
• 22:36
  yeah.
• 22:37
  Oh,
• 22:37
  my
• 22:37
  God.
• 22:37
  It's
• 22:37
  really
• 22:38
  useful.
• 22:38
  That's
• 22:38
  how
• 22:38
  I
• 22:39
  do
• 22:39
  it.
• 22:40
  So,
• 22:40
  yeah,
• 22:40
  I.
• 22:41
  I
• 22:41
  hadn't
• 22:41
  come
• 22:41
  across
• 22:42
  that
• 22:42
  one
• 22:42
  before.
• 22:42
  That's
• 22:43
  a
• 22:43
  great
• 22:43
  hot
• 22:43
  tip.
• 22:44
  So
• 22:44
  that
• 22:44
  was
• 22:44
  Price
• 22:44
  Pulse.
• 22:45
  Price
• 22:45
  Pulse,
• 22:45
  yeah.
• 22:46
  It's
• 22:46
  pretty
• 22:46
  recent.
• 22:46
  You've
• 22:47
  got.
• 22:47
  Yeah,
• 22:47
  you've
• 22:47
  got
• 22:47
  to
• 22:47
  shop
• 22:48
  online.
• 22:48
  Right.
• 22:48
  You've
• 22:49
  got
• 22:49
  to
• 22:49
  do
• 22:49
  what
• 22:49
  I
• 22:50
  do.
• 22:50
  And
• 22:50
  it's
• 22:50
  pay
• 22:50
  that
• 22:51
  $5
• 22:51
  bagging
• 22:52
  fee.
• 22:53
  And
• 22:53
  then
• 22:53
  you've
• 22:54
  gotta
• 22:54
  have
• 22:54
  time
• 22:54
  to
• 22:55
  go
• 22:55
  through
• 22:55
  all
• 22:55
  this.
• 22:56
  This
• 22:56
  is
• 22:56
  what
• 22:56
  I
• 22:56
  mean.
• 22:56
  It's
• 22:57
  so
• 22:57
  time
• 22:57
  consuming
• 22:58
  now.
• 22:58
  It's
• 22:58
  not
• 22:58
  like
• 22:58
  I'm
• 22:59
  just
• 22:59
  gonna
• 22:59
  go
• 22:59
  to
• 22:59
  the
• 22:59
  supermarket
• 23:00
  and
• 23:00
  feed
• 23:00
  my
• 23:00
  family.
• 23:02
  It's
• 23:03
  just
• 23:03
  like
• 23:03
  you've
• 23:04
  gotta,
• 23:04
  like,
• 23:05
  go
• 23:05
  on
• 23:05
  these,
• 23:05
  like,
• 23:06
  food
• 23:06
  trip
• 23:07
  missions
• 23:08
  to
• 23:08
  get
• 23:09
  the
• 23:09
  best
• 23:09
  deals
• 23:10
  everywhere,
• 23:10
  you
• 23:10
  know?
• 23:12
  Exactly.
• 23:12
  And
• 23:12
  it's
• 23:13
  always
• 23:13
  on
• 23:13
  these
• 23:14
  core
• 23:14
  life
• 23:14
  expenses
• 23:15
  that
• 23:15
  you
• 23:15
  can't
• 23:16
  just
• 23:16
  be
• 23:16
  like,
• 23:16
  no,
• 23:16
  it's
• 23:16
  not
• 23:17
  that
• 23:17
  we're
• 23:17
  all
• 23:17
  spending
• 23:17
  too
• 23:18
  much
• 23:18
  on
• 23:18
  shoes,
• 23:19
  it's
• 23:20
  food.
• 23:21
  This
• 23:21
  episode
• 23:21
  of
• 23:22
  Making
• 23:22
  Sense
• 23:22
  is
• 23:23
  supported
• 23:23
  by
• 23:23
  Odoo
• 23:24
  because
• 23:24
  they're
• 23:24
  all
• 23:25
  about
• 23:25
  making
• 23:25
  business
• 23:26
  smarter,
• 23:26
  easier
• 23:27
  to
• 23:27
  manage
• 23:27
  and
• 23:28
  more
• 23:28
  affordable.
• 23:29
  Odoo
• 23:29
  is
• 23:30
  a
• 23:30
  software
• 23:30
  platform
• 23:31
  that
• 23:31
  gives
• 23:31
  you
• 23:31
  access
• 23:31
  to
• 23:32
  over
• 23:32
  70
• 23:33
  apps
• 23:33
  to
• 23:34
  help
• 23:34
  you
• 23:34
  manage
• 23:34
  your
• 23:34
  website,
• 23:35
  accounting,
• 23:36
  invoicing,
• 23:37
  sales,
• 23:37
  inventory,
• 23:38
  and
• 23:39
  way
• 23:39
  more.
• 23:39
  But
• 23:40
  instead
• 23:40
  of
• 23:40
  Death
• 23:41
  by
• 23:41
  a
• 23:41
  Thousand
• 23:41
  Cuts,
• 23:42
  where
• 23:42
  you
• 23:42
  pay
• 23:43
  for
• 23:43
  all
• 23:43
  of
• 23:43
  those
• 23:43
  apps
• 23:44
  individually,
• 23:45
  it's
• 23:45
  just
• 23:45
  one
• 23:46
  of
• 23:46
  four
• 23:46
  affordable
• 23:46
  subscription,
• 23:47
  which
• 23:48
  starts
• 23:48
  from
• 23:48
  $34.40
• 23:50
  Aussie
• 23:50
  dollars
• 23:50
  per
• 23:51
  user
• 23:51
  per
• 23:51
  month.
• 23:52
  It's
• 23:53
  not
• 23:53
  just
• 23:53
  about
• 23:54
  the
• 23:54
  cost
• 23:54
  either.
• 23:55
  It's
• 23:55
  having
• 23:56
  all
• 23:56
  of
• 23:56
  those
• 23:56
  apps
• 23:57
  in
• 23:57
  one
• 23:57
  integrated
• 23:58
  dashboard.
• 23:59
  To
• 23:59
  make
• 23:59
  your
• 23:59
  business
• 24:00
  or
• 24:00
  side
• 24:00
  hustle
• 24:01
  possible,
• 24:01
  let
• 24:02
  your
• 24:02
  software
• 24:03
  work
• 24:03
  for
• 24:03
  you
• 24:04
  so
• 24:04
  you
• 24:04
  can
• 24:04
  handle
• 24:05
  the
• 24:05
  important
• 24:05
  stuff.
• 24:06
  Try
• 24:06
  Odoo
• 24:07
  for
• 24:07
  free
• 24:07
  for
• 24:07
  15
• 24:08
  days,
• 24:08
  no
• 24:09
  card
• 24:09
  details
• 24:10
  required.
• 24:10
  That's
• 24:11
  odoo.com
• 24:13
  for
• 24:13
  more.
• 24:13
  Okay,
• 24:13
  so
• 24:14
  insurance
• 24:14
  people
• 24:14
  have
• 24:15
  been
• 24:15
  asking
• 24:15
  me
• 24:15
  a
• 24:15
  lot
• 24:15
  about
• 24:16
  insurance
• 24:16
  recently
• 24:16
  because
• 24:17
  insurance
• 24:17
  costs
• 24:17
  have
• 24:17
  gone
• 24:18
  up
• 24:18
  so
• 24:18
  much
• 24:19
  and
• 24:19
  I
• 24:19
  know
• 24:20
  for
• 24:20
  some
• 24:20
  people
• 24:21
  that
• 24:21
  they
• 24:21
  are
• 24:21
  just
• 24:22
  cutting
• 24:22
  insurance
• 24:23
  entirely,
• 24:24
  which
• 24:25
  is
• 24:25
  a
• 24:25
  bit
• 24:26
  nerve
• 24:26
  wracking.
• 24:26
  I
• 24:26
  think
• 24:26
  there
• 24:26
  are
• 24:27
  some
• 24:27
  insurances
• 24:27
  that
• 24:27
  maybe
• 24:28
  you
• 24:28
  can
• 24:28
  cut
• 24:28
  or
• 24:28
  reduce
• 24:29
  and
• 24:29
  there
• 24:29
  are
• 24:29
  others
• 24:29
  that
• 24:29
  I'm
• 24:30
  like,
• 24:30
  oh,
• 24:30
  it's
• 24:31
  dicey
• 24:32
  if
• 24:32
  you
• 24:32
  don't
• 24:32
  have
• 24:32
  that
• 24:33
  one.
• 24:33
  So
• 24:34
  first
• 24:34
  of
• 24:34
  all,
• 24:34
  insurances,
• 24:36
  do
• 24:37
  you
• 24:37
  have
• 24:37
  thoughts
• 24:37
  on
• 24:38
  the
• 24:39
  best
• 24:39
  ones
• 24:39
  to
• 24:39
  have?
• 24:39
  The
• 24:39
  best
• 24:40
  ways
• 24:40
  to
• 24:40
  get
• 24:40
  a
• 24:40
  good
• 24:41
  deal?
• 24:41
  Like
• 24:41
  how
• 24:42
  do
• 24:42
  we
• 24:42
  even
• 24:42
  approach
• 24:43
  that
• 24:43
  these
• 24:43
  days
• 24:43
  when
• 24:44
  the
• 24:44
  bare
• 24:45
  minimum
• 24:45
  is
• 24:45
  already
• 24:45
  quite
• 24:46
  high?
• 24:47
  This
• 24:47
  is
• 24:47
  reminding
• 24:48
  me
• 24:48
  of
• 24:48
  my
• 24:48
  dad
• 24:48
  when
• 24:49
  I
• 24:49
  grew
• 24:49
  up.
• 24:49
  He
• 24:50
  never
• 24:50
  bought
• 24:50
  insurance
• 24:51
  ever.
• 24:52
  He'd
• 24:52
  just
• 24:52
  be
• 24:53
  like,
• 24:53
  they're
• 24:53
  all
• 24:53
  bloody
• 24:54
  crooks,
• 24:54
  he'd
• 24:54
  say.
• 24:55
  I
• 24:56
  mean,
• 24:56
  correct.
• 24:57
  But
• 24:57
  also,
• 25:00
  I've
• 25:00
  gone
• 25:00
  the
• 25:00
  other
• 25:00
  way.
• 25:01
  I've
• 25:01
  got
• 25:02
  seven,
• 25:03
  I
• 25:03
  think
• 25:03
  I've
• 25:03
  got
• 25:04
  two
• 25:04
  cars,
• 25:06
  house,
• 25:07
  contents,
• 25:08
  life,
• 25:08
  health,
• 25:10
  pet.
• 25:12
  That's
• 25:12
  seven
• 25:12
  different
• 25:13
  insurance
• 25:13
  contracts.
• 25:14
  So
• 25:15
  to
• 25:15
  constantly
• 25:16
  be
• 25:16
  looking
• 25:16
  over
• 25:16
  those
• 25:17
  and
• 25:18
  making
• 25:18
  sure
• 25:18
  you're
• 25:19
  on
• 25:21
  the
• 25:21
  right
• 25:21
  contracts
• 25:22
  and
• 25:22
  the
• 25:22
  cheapest
• 25:23
  deals
• 25:23
  is
• 25:23
  exhausting.
• 25:24
  But
• 25:26
  Consumer
• 25:26
  just
• 25:26
  released
• 25:27
  its
• 25:27
  latest
• 25:28
  survey
• 25:28
  results
• 25:29
  and
• 25:29
  so
• 25:30
  you
• 25:30
  can
• 25:30
  check
• 25:30
  with
• 25:31
  whether
• 25:32
  you're
• 25:32
  with
• 25:33
  a
• 25:33
  company
• 25:34
  that
• 25:34
  other
• 25:34
  people
• 25:34
  are
• 25:35
  rating
• 25:35
  and
• 25:35
  respecting.
• 25:36
  That's
• 25:37
  really
• 25:37
  useful.
• 25:37
  I
• 25:37
  checked
• 25:37
  it
• 25:37
  out
• 25:38
  this
• 25:38
  morning.
• 25:38
  I
• 25:38
  am
• 25:38
  not.
• 25:39
  So,
• 25:40
  yeah,
• 25:40
  I
• 25:40
  need
• 25:41
  to
• 25:41
  go.
• 25:41
  I
• 25:42
  messaged
• 25:43
  our
• 25:43
  insurance
• 25:43
  guru
• 25:44
  who
• 25:44
  put
• 25:44
  this
• 25:44
  piece
• 25:45
  together
• 25:45
  and
• 25:45
  I
• 25:45
  was
• 25:45
  like,
• 25:45
  I
• 25:46
  need
• 25:46
  to
• 25:46
  go
• 25:46
  through
• 25:46
  all
• 25:46
  my
• 25:47
  insurance
• 25:47
  now
• 25:47
  because
• 25:48
  my
• 25:48
  company's
• 25:49
  in
• 25:49
  the
• 25:49
  bottom
• 25:49
  half.
• 25:51
  Yeah.
• 25:51
  The
• 25:52
  best
• 25:52
  advice
• 25:52
  is
• 25:52
  the
• 25:53
  most
• 25:53
  obvious.
• 25:53
  Keep
• 25:54
  shopping
• 25:54
  around,
• 25:55
  keep
• 25:56
  checking
• 25:56
  to
• 25:56
  see
• 25:56
  if
• 25:57
  you're
• 25:57
  getting
• 25:58
  the
• 25:58
  best
• 25:58
  deal.
• 25:59
  I
• 25:59
  did
• 25:59
  this
• 25:59
  last
• 25:59
  year,
• 26:00
  right.
• 26:00
  We
• 26:01
  had
• 26:01
  car
• 26:02
  insurance
• 26:02
  and
• 26:03
  we'd
• 26:04
  had
• 26:04
  that
• 26:04
  car
• 26:04
  for
• 26:04
  four
• 26:05
  or
• 26:05
  five
• 26:05
  years.
• 26:05
  And
• 26:06
  I
• 26:06
  was
• 26:06
  like,
• 26:06
  I
• 26:06
  think
• 26:07
  it's
• 26:07
  probably
• 26:08
  time
• 26:08
  to
• 26:08
  have
• 26:08
  a
• 26:09
  look
• 26:09
  at
• 26:09
  this.
• 26:10
  And
• 26:11
  when
• 26:11
  I
• 26:11
  shopped
• 26:11
  around,
• 26:12
  I
• 26:12
  found
• 26:12
  that
• 26:13
  my
• 26:13
  $60
• 26:14
  a
• 26:14
  fortnight
• 26:16
  insurance
• 26:16
  costs
• 26:17
  would
• 26:17
  be
• 26:18
  $45
• 26:19
  elsewhere.
• 26:19
  That's
• 26:20
  $15
• 26:20
  a
• 26:21
  fortnight.
• 26:22
  That
• 26:22
  definitely
• 26:23
  stacks
• 26:23
  up.
• 26:23
  That's
• 26:24
  a
• 26:24
  lot
• 26:24
  of
• 26:24
  money.
• 26:24
  Right?
• 26:24
  Right.
• 26:25
  I'm
• 26:25
  not
• 26:25
  doing
• 26:25
  the
• 26:26
  math
• 26:26
  over
• 26:26
  a
• 26:26
  year,
• 26:26
  but
• 26:27
  it's
• 26:27
  like,
• 26:27
  I
• 26:27
  can
• 26:27
  use
• 26:27
  that
• 26:28
  to
• 26:28
  feed
• 26:28
  my
• 26:28
  damn
• 26:28
  teenagers.
• 26:29
  So
• 26:31
  I
• 26:32
  called
• 26:32
  my
• 26:32
  insurance
• 26:32
  company,
• 26:33
  I
• 26:33
  showed
• 26:33
  them
• 26:33
  the
• 26:33
  quotes
• 26:34
  and
• 26:34
  it
• 26:35
  was
• 26:35
  a
• 26:35
  little
• 26:35
  painful.
• 26:36
  They
• 26:36
  were
• 26:36
  like,
• 26:36
  we're
• 26:36
  gonna
• 26:37
  have
• 26:37
  to
• 26:37
  move
• 26:37
  you
• 26:37
  onto
• 26:37
  a
• 26:38
  new
• 26:38
  system.
• 26:38
  I
• 26:38
  don't
• 26:39
  know
• 26:39
  why
• 26:39
  they
• 26:39
  put
• 26:40
  it
• 26:40
  like
• 26:40
  that
• 26:40
  and
• 26:41
  ended
• 26:41
  up
• 26:41
  giving
• 26:41
  me
• 26:41
  the
• 26:42
  cheaper
• 26:42
  price
• 26:42
  so
• 26:43
  I
• 26:43
  didn't
• 26:43
  have
• 26:43
  to
• 26:43
  move
• 26:44
  companies.
• 26:45
  But
• 26:45
  that
• 26:45
  was
• 26:45
  one
• 26:46
  of
• 26:46
  seven
• 26:46
  insurance
• 26:47
  contracts
• 26:48
  I've
• 26:48
  got.
• 26:48
  But
• 26:49
  then
• 26:49
  they
• 26:49
  were
• 26:49
  like,
• 26:49
  do
• 26:49
  you
• 26:49
  wanna
• 26:50
  do
• 26:50
  this
• 26:50
  with
• 26:50
  your
• 26:50
  second
• 26:50
  car?
• 26:50
  I
• 26:51
  was
• 26:51
  like,
• 26:51
  yes,
• 26:51
  of
• 26:51
  course
• 26:51
  I
• 26:51
  do.
• 26:54
  But
• 26:54
  this
• 26:54
  is
• 26:54
  the
• 26:54
  thing,
• 26:55
  right?
• 26:55
  This
• 26:55
  comes
• 26:55
  back
• 26:55
  to
• 26:55
  the
• 26:56
  fight
• 26:57
  aspect
• 26:57
  of
• 26:57
  it
• 26:58
  all.
• 26:58
  They're
• 26:58
  not
• 26:58
  gonna
• 26:58
  call
• 26:59
  you
• 26:59
  and
• 26:59
  say,
• 26:59
  hey,
• 27:00
  your
• 27:01
  insurance
• 27:01
  is.
• 27:01
  It's
• 27:02
  time
• 27:02
  to
• 27:02
  drop
• 27:03
  it,
• 27:03
  lower
• 27:03
  it.
• 27:04
  They're
• 27:04
  not
• 27:04
  gonna
• 27:04
  do
• 27:04
  that.
• 27:05
  You've
• 27:05
  gotta
• 27:05
  do
• 27:06
  that.
• 27:06
  Excel
• 27:07
  spreadsheets
• 27:09
  get
• 27:09
  real
• 27:09
  nerdy
• 27:10
  about
• 27:10
  it.
• 27:11
  I
• 27:11
  know,
• 27:11
  it's
• 27:12
  so
• 27:12
  annoying.
• 27:12
  A.
• 27:13
  But
• 27:13
  you
• 27:13
  do
• 27:13
  actually
• 27:13
  have
• 27:14
  to
• 27:14
  do
• 27:14
  this
• 27:14
  a
• 27:14
  little
• 27:14
  bit.
• 27:15
  And
• 27:15
  I
• 27:15
  remember
• 27:15
  someone
• 27:15
  saying
• 27:16
  to
• 27:16
  me
• 27:16
  once,
• 27:17
  the
• 27:17
  priority
• 27:18
  was
• 27:18
  insurances
• 27:19
  being
• 27:20
  people
• 27:20
  first,
• 27:20
  then
• 27:20
  money,
• 27:21
  then
• 27:21
  stuff.
• 27:22
  And
• 27:22
  we
• 27:22
  often
• 27:22
  insure
• 27:23
  stuff.
• 27:24
  Money,
• 27:24
  people,
• 27:25
  you
• 27:25
  know,
• 27:25
  we
• 27:26
  think
• 27:26
  about
• 27:26
  our
• 27:26
  phone
• 27:27
  or
• 27:27
  whatever
• 27:27
  because
• 27:27
  that's
• 27:28
  right
• 27:28
  in
• 27:28
  front
• 27:28
  of
• 27:28
  you.
• 27:28
  Whereas
• 27:29
  actually,
• 27:29
  if
• 27:29
  something
• 27:29
  really
• 27:29
  happened,
• 27:30
  maybe
• 27:31
  you
• 27:31
  could
• 27:31
  go
• 27:31
  without
• 27:31
  or
• 27:31
  maybe
• 27:32
  you
• 27:32
  could
• 27:32
  replace
• 27:32
  it
• 27:32
  yourself.
• 27:33
  Whereas
• 27:34
  insurance
• 27:34
  really
• 27:34
  excels
• 27:35
  in
• 27:36
  those
• 27:36
  things
• 27:36
  that,
• 27:36
  you
• 27:37
  know,
• 27:37
  you
• 27:37
  couldn't
• 27:38
  solve
• 27:38
  for
• 27:39
  yourself.
• 27:39
  Your
• 27:39
  house
• 27:39
  burns
• 27:40
  down,
• 27:40
  you
• 27:40
  need
• 27:41
  insurance.
• 27:42
  Your
• 27:43
  health
• 27:43
  totally
• 27:44
  fails,
• 27:45
  you'll
• 27:45
  need
• 27:45
  insurance.
• 27:46
  And
• 27:46
  it's
• 27:46
  so
• 27:46
  personal,
• 27:47
  right?
• 27:47
  Like,
• 27:48
  maybe
• 27:48
  you've
• 27:48
  got
• 27:48
  a
• 27:48
  family
• 27:49
  history
• 27:49
  of,
• 27:49
  of
• 27:50
  some
• 27:50
  kind
• 27:50
  of
• 27:50
  illness
• 27:51
  or
• 27:51
  disease
• 27:51
  and
• 27:51
  you're
• 27:52
  definitely
• 27:52
  not
• 27:52
  going
• 27:53
  without
• 27:53
  that.
• 27:54
  And
• 27:55
  yeah,
• 27:55
  I
• 27:55
  think
• 27:55
  everyone's
• 27:56
  just
• 27:56
  making
• 27:56
  these
• 27:57
  kinds
• 27:57
  of.
• 27:58
  They're
• 27:58
  weighing
• 27:58
  up
• 27:59
  these
• 27:59
  different
• 28:00
  decisions,
• 28:00
  right?
• 28:01
  Can
• 28:01
  I
• 28:01
  afford
• 28:01
  this?
• 28:02
  Now?
• 28:02
  In
• 28:02
  this
• 28:02
  climate,
• 28:03
  health
• 28:04
  insurance
• 28:05
  and
• 28:05
  life
• 28:05
  insurance
• 28:06
  is
• 28:06
  really
• 28:06
  tricky
• 28:06
  because
• 28:07
  trying
• 28:07
  to
• 28:07
  change,
• 28:08
  especially
• 28:08
  as
• 28:08
  you
• 28:08
  start
• 28:09
  getting
• 28:09
  older,
• 28:09
  like
• 28:10
  me,
• 28:10
  you've
• 28:11
  got
• 28:11
  to
• 28:11
  disclose
• 28:11
  medical
• 28:12
  conditions
• 28:13
  and
• 28:13
  that
• 28:13
  can
• 28:14
  affect
• 28:14
  your
• 28:14
  premiums.
• 28:15
  And
• 28:16
  often
• 28:16
  it
• 28:16
  doesn't
• 28:17
  pay
• 28:17
  to
• 28:18
  move,
• 28:18
  even
• 28:18
  though
• 28:18
  those
• 28:19
  premiums
• 28:19
  go
• 28:19
  up
• 28:19
  every
• 28:20
  year.
• 28:21
  So,
• 28:21
  yeah,
• 28:22
  it's
• 28:22
  just
• 28:22
  so
• 28:22
  personal.
• 28:23
  Don't
• 28:23
  be
• 28:23
  like
• 28:23
  my
• 28:23
  dad,
• 28:24
  though.
• 28:24
  Like,
• 28:25
  you
• 28:26
  know,
• 28:26
  like
• 28:27
  shared
• 28:27
  with
• 28:27
  love,
• 28:27
  but
• 28:28
  don't
• 28:28
  do
• 28:28
  what
• 28:28
  dad
• 28:28
  did.
• 28:28
  Yeah,
• 28:29
  insurance
• 28:29
  is
• 28:30
  a
• 28:30
  thing
• 28:30
  that
• 28:31
  you
• 28:31
  hate
• 28:32
  paying
• 28:32
  for
• 28:32
  it,
• 28:32
  but
• 28:32
  when
• 28:32
  you
• 28:33
  need
• 28:33
  it,
• 28:33
  you
• 28:33
  really
• 28:34
  need
• 28:34
  it.
• 28:34
  We
• 28:34
  had
• 28:35
  this
• 28:36
  when
• 28:36
  we
• 28:36
  did
• 28:36
  own
• 28:37
  a
• 28:37
  house
• 28:37
  a
• 28:37
  few
• 28:37
  years
• 28:37
  ago,
• 28:38
  we
• 28:39
  hadn't
• 28:39
  used
• 28:39
  our
• 28:40
  contents
• 28:40
  insurance
• 28:41
  ever,
• 28:41
  hadn't
• 28:41
  ever
• 28:42
  made
• 28:42
  a
• 28:42
  claim.
• 28:42
  Why
• 28:43
  are
• 28:43
  we
• 28:43
  paying
• 28:43
  for
• 28:43
  this?
• 28:43
  We
• 28:43
  went
• 28:44
  away
• 28:44
  on
• 28:44
  holiday,
• 28:44
  came
• 28:45
  back
• 28:45
  and
• 28:46
  a
• 28:46
  cat
• 28:46
  had
• 28:46
  come
• 28:46
  into
• 28:47
  our
• 28:47
  house
• 28:48
  and
• 28:48
  sprayed
• 28:49
  all
• 28:49
  through
• 28:49
  the
• 28:50
  porch,
• 28:50
  the
• 28:50
  hallway,
• 28:51
  and
• 28:52
  my
• 28:52
  daughter's
• 28:52
  bedroom.
• 28:54
  And
• 28:54
  we
• 28:54
  scrubbed
• 28:55
  and
• 28:55
  scrubbed
• 28:55
  and
• 28:55
  could
• 28:56
  not
• 28:56
  get
• 28:56
  rid
• 28:56
  of
• 28:56
  this
• 28:57
  smell.
• 28:58
  It
• 28:58
  was
• 28:58
  $5,000
• 28:59
  worth
• 29:00
  of
• 29:00
  damage.
• 29:00
  We
• 29:00
  had
• 29:00
  to
• 29:00
  replace
• 29:01
  her
• 29:01
  bed,
• 29:01
  her
• 29:02
  dresser,
• 29:02
  we
• 29:02
  had
• 29:02
  to
• 29:03
  replace
• 29:03
  all
• 29:03
  the
• 29:04
  carpet.
• 29:04
  We
• 29:04
  had
• 29:04
  to
• 29:04
  get
• 29:05
  the
• 29:05
  entire
• 29:05
  walls
• 29:06
  all
• 29:07
  sanded
• 29:07
  and
• 29:07
  painted
• 29:08
  again.
• 29:08
  This
• 29:09
  one
• 29:09
  cat,
• 29:10
  it
• 29:10
  caused
• 29:11
  $5,000
• 29:12
  worth
• 29:12
  of
• 29:12
  damage.
• 29:13
  I
• 29:13
  can't
• 29:13
  say
• 29:13
  anything
• 29:14
  because
• 29:14
  it's
• 29:14
  just
• 29:14
  going
• 29:14
  to
• 29:14
  be.
• 29:14
  Swears
• 29:15
  I'd
• 29:15
  be
• 29:16
  so
• 29:16
  angry.
• 29:17
  We
• 29:17
  were
• 29:18
  literally
• 29:18
  on
• 29:18
  our
• 29:19
  hands
• 29:19
  and
• 29:19
  knees.
• 29:19
  Like,
• 29:20
  is
• 29:20
  that
• 29:20
  a
• 29:20
  patch?
• 29:20
  Like,
• 29:21
  you
• 29:21
  could
• 29:21
  see
• 29:21
  it
• 29:21
  had
• 29:21
  eaten
• 29:22
  into
• 29:22
  the
• 29:22
  paint.
• 29:22
  It
• 29:22
  was
• 29:23
  so
• 29:23
  toxic,
• 29:27
  it
• 29:27
  was
• 29:27
  ridiculous.
• 29:29
  That
• 29:29
  was
• 29:29
  a
• 29:29
  cat.
• 29:30
  Oh,
• 29:31
  Lord,
• 29:31
  that's.
• 29:31
  That's
• 29:32
  horrific.
• 29:32
  We've
• 29:32
  got
• 29:32
  a
• 29:32
  lockable
• 29:33
  cat
• 29:33
  door
• 29:33
  after
• 29:34
  that.
• 29:34
  Yeah.
• 29:36
  Invest
• 29:36
  in
• 29:37
  those
• 29:37
  little
• 29:37
  plastic
• 29:37
  catches.
• 29:38
  Yeah.
• 29:40
  Oh,
• 29:40
  my
• 29:41
  God.
• 29:42
  Okay,
• 29:43
  so,
• 29:43
  yeah,
• 29:43
  insurance.
• 29:44
  And
• 29:44
  I
• 29:44
  think
• 29:44
  as
• 29:44
  well,
• 29:45
  the
• 29:46
  thought
• 29:46
  in
• 29:46
  terms
• 29:46
  of,
• 29:46
  you
• 29:46
  know,
• 29:47
  you
• 29:47
  having
• 29:47
  the
• 29:47
  seven
• 29:47
  different
• 29:48
  sort
• 29:48
  of
• 29:48
  various
• 29:49
  insurances,
• 29:51
  but
• 29:51
  people
• 29:51
  often
• 29:52
  not
• 29:52
  shopping
• 29:52
  around.
• 29:54
  Another
• 29:54
  thing
• 29:54
  I
• 29:54
  love
• 29:54
  is
• 29:55
  when
• 29:55
  people,
• 29:55
  you
• 29:55
  know
• 29:55
  that.
• 29:56
  That
• 29:56
  yearly
• 29:56
  reminder
• 29:57
  in
• 29:57
  your
• 29:57
  phone
• 29:57
  that
• 29:57
  pops
• 29:58
  up
• 29:58
  and
• 29:58
  says,
• 29:59
  hey,
• 30:00
  core
• 30:00
  expense,
• 30:01
  time
• 30:01
  to
• 30:01
  review.
• 30:02
  And
• 30:02
  even
• 30:03
  if
• 30:03
  you
• 30:03
  pick
• 30:03
  one
• 30:03
  of
• 30:03
  those
• 30:04
  per
• 30:04
  week,
• 30:05
  just
• 30:05
  go
• 30:05
  one
• 30:05
  a
• 30:05
  week,
• 30:06
  check
• 30:06
  who's
• 30:07
  got
• 30:07
  what,
• 30:07
  have
• 30:08
  a
• 30:08
  little
• 30:08
  compare
• 30:08
  that
• 30:08
  breaks
• 30:09
  it
• 30:09
  down
• 30:09
  and
• 30:09
  makes
• 30:09
  it
• 30:09
  a
• 30:10
  little
• 30:10
  bit
• 30:10
  easier,
• 30:10
  right?
• 30:10
  Because
• 30:10
  as
• 30:11
  you
• 30:11
  say,
• 30:11
  they're
• 30:11
  not
• 30:11
  going
• 30:11
  to
• 30:12
  come
• 30:12
  to
• 30:12
  you.
• 30:12
  They're
• 30:12
  busy
• 30:13
  luring
• 30:13
  in
• 30:13
  new
• 30:13
  customers
• 30:14
  for
• 30:14
  less
• 30:14
  money
• 30:15
  than
• 30:15
  you
• 30:15
  are
• 30:15
  paying.
• 30:16
  So
• 30:16
  you're
• 30:17
  going
• 30:17
  to
• 30:17
  have
• 30:17
  to
• 30:17
  go
• 30:17
  through
• 30:17
  it.
• 30:17
  And
• 30:17
  if
• 30:18
  you
• 30:18
  just
• 30:18
  break
• 30:18
  it
• 30:18
  down
• 30:18
  to
• 30:18
  one
• 30:19
  per
• 30:19
  week
• 30:20
  once
• 30:20
  a
• 30:20
  year,
• 30:21
  that
• 30:21
  you're
• 30:22
  going
• 30:22
  to
• 30:22
  end
• 30:22
  up
• 30:22
  saving,
• 30:23
  right?
• 30:23
  Oh,
• 30:23
  100%.
• 30:24
  That's
• 30:24
  the
• 30:24
  thing.
• 30:25
  There
• 30:25
  is.
• 30:26
  There
• 30:26
  are
• 30:26
  real
• 30:26
  savings
• 30:27
  to
• 30:27
  be
• 30:27
  had,
• 30:27
  right.
• 30:27
  Like
• 30:27
  that
• 30:28
  car
• 30:28
  insurance,
• 30:28
  that
• 30:28
  was
• 30:28
  $15
• 30:29
  a
• 30:29
  fortnight,
• 30:29
  that's
• 30:30
  $7.50
• 30:30
  a
• 30:31
  week.
• 30:32
  That
• 30:33
  across
• 30:33
  all
• 30:34
  your
• 30:34
  other
• 30:34
  contracts,
• 30:35
  you
• 30:35
  know,
• 30:35
  if
• 30:35
  you,
• 30:35
  if
• 30:36
  you
• 30:36
  do
• 30:36
  it
• 30:36
  for
• 30:36
  your,
• 30:36
  your
• 30:37
  power
• 30:37
  bill,
• 30:38
  your
• 30:38
  phone
• 30:39
  company,
• 30:39
  your
• 30:39
  broadband,
• 30:41
  there's.
• 30:41
  There
• 30:41
  are
• 30:42
  just
• 30:42
  so
• 30:42
  many
• 30:42
  places
• 30:43
  you
• 30:43
  can
• 30:43
  save.
• 30:43
  You've
• 30:44
  got
• 30:44
  to
• 30:44
  kick
• 30:44
  up
• 30:44
  a
• 30:44
  bit
• 30:45
  of
• 30:45
  a
• 30:45
  fuss,
• 30:46
  though.
• 30:47
  But
• 30:47
  it
• 30:48
  actually
• 30:48
  probably
• 30:49
  doesn't
• 30:49
  take
• 30:49
  as
• 30:50
  much
• 30:50
  time
• 30:50
  as
• 30:50
  you
• 30:50
  think.
• 30:50
  A
• 30:51
  lot
• 30:51
  of,
• 30:51
  A
• 30:51
  lot
• 30:51
  of
• 30:51
  insurance
• 30:52
  companies
• 30:52
  have
• 30:53
  quotes
• 30:53
  on
• 30:54
  their
• 30:54
  website.
• 30:54
  You
• 30:54
  can
• 30:55
  just
• 30:55
  plug
• 30:55
  in
• 30:55
  whatever
• 30:56
  you
• 30:56
  want.
• 30:57
  They'll
• 30:57
  spit
• 30:58
  out
• 30:58
  a
• 30:58
  quote,
• 30:58
  they'll
• 30:58
  email
• 30:58
  you
• 30:59
  a
• 30:59
  quote
• 30:59
  and
• 30:59
  you
• 30:59
  can
• 30:59
  take
• 31:00
  that
• 31:00
  back
• 31:00
  to
• 31:00
  your
• 31:02
  provider
• 31:02
  and
• 31:03
  give
• 31:03
  it
• 31:03
  a
• 31:03
  go.
• 31:04
  So,
• 31:04
  yeah,
• 31:05
  can
• 31:05
  you
• 31:05
  match
• 31:05
  this?
• 31:06
  And
• 31:06
  if
• 31:06
  not,
• 31:07
  move?
• 31:08
  But
• 31:08
  often
• 31:08
  they
• 31:08
  will
• 31:09
  match.
• 31:09
  Yeah.
• 31:10
  And
• 31:10
  then
• 31:10
  you
• 31:10
  don't
• 31:10
  even
• 31:10
  have
• 31:10
  to
• 31:11
  do
• 31:11
  anything.
• 31:11
  They
• 31:11
  don't
• 31:11
  want
• 31:11
  to
• 31:11
  lose
• 31:12
  you.
• 31:13
  You
• 31:13
  know,
• 31:13
  it's
• 31:13
  harder
• 31:14
  to
• 31:14
  find
• 31:14
  a
• 31:14
  new
• 31:14
  customer
• 31:15
  than
• 31:15
  to
• 31:15
  keep
• 31:15
  the
• 31:15
  ones
• 31:16
  you've
• 31:16
  got.
• 31:16
  So
• 31:17
  usually,
• 31:18
  usually,
• 31:19
  sometimes
• 31:19
  you
• 31:19
  do
• 31:19
  have
• 31:20
  to
• 31:20
  move
• 31:20
  though,
• 31:21
  at
• 31:21
  least
• 31:21
  give
• 31:22
  them
• 31:22
  the
• 31:22
  option.
• 31:22
  Isn't
• 31:22
  it
• 31:22
  satisfying
• 31:23
  though,
• 31:23
  when
• 31:23
  you.
• 31:24
  I
• 31:24
  felt
• 31:25
  so
• 31:25
  satisfied
• 31:26
  when
• 31:26
  I
• 31:26
  did
• 31:27
  that
• 31:27
  car
• 31:27
  insurance.
• 31:27
  I
• 31:28
  was
• 31:28
  like
• 31:28
  oh,
• 31:28
  this
• 31:29
  really
• 31:29
  works.
• 31:30
  You
• 31:30
  know,
• 31:31
  And
• 31:31
  I
• 31:31
  work
• 31:31
  at
• 31:32
  Consumer.
• 31:32
  Yeah,
• 31:34
  but
• 31:34
  exactly.
• 31:35
  Like,
• 31:35
  life
• 31:35
  creeps
• 31:36
  up
• 31:36
  on
• 31:36
  all
• 31:36
  of
• 31:36
  us.
• 31:36
  It's
• 31:36
  like
• 31:37
  when
• 31:37
  people
• 31:37
  expect
• 31:37
  me
• 31:37
  to
• 31:37
  be
• 31:37
  a
• 31:37
  perfect
• 31:38
  budgeter
• 31:38
  and
• 31:38
  I'm
• 31:38
  like,
• 31:40
  sometimes
• 31:42
  other
• 31:43
  core
• 31:43
  bills.
• 31:43
  So
• 31:44
  I'm
• 31:44
  thinking
• 31:44
  things
• 31:44
  like
• 31:45
  Internet.
• 31:46
  Your
• 31:46
  power
• 31:46
  bill
• 31:47
  subscriptions
• 31:48
  are
• 31:49
  a
• 31:49
  really
• 31:49
  common
• 31:49
  one
• 31:49
  to
• 31:50
  catch
• 31:50
  you
• 31:50
  out.
• 31:51
  Are
• 31:51
  there
• 31:51
  areas
• 31:52
  in
• 31:52
  life
• 31:52
  where
• 31:52
  people
• 31:53
  commonly
• 31:53
  overpay
• 31:54
  and
• 31:55
  are
• 31:55
  there
• 31:55
  good
• 31:55
  tactics
• 31:56
  to
• 31:56
  get
• 31:56
  around
• 31:56
  that
• 31:57
  power?
• 31:58
  Yeah,
• 31:59
  Power's
• 31:59
  the
• 32:00
  biggest
• 32:00
  one,
• 32:00
  I
• 32:00
  reckon,
• 32:01
  because
• 32:02
  our
• 32:02
  research
• 32:03
  shows
• 32:03
  95%
• 32:04
  of
• 32:04
  people
• 32:05
  can
• 32:05
  save
• 32:05
  money
• 32:05
  on
• 32:05
  their
• 32:05
  power
• 32:06
  bills.
• 32:06
  95,
• 32:07
  that's
• 32:07
  high.
• 32:08
  95%
• 32:09
  of
• 32:09
  power
• 32:09
  switch
• 32:09
  users.
• 32:10
  I
• 32:10
  should
• 32:11
  caveat
• 32:11
  that
• 32:11
  Power
• 32:12
  Switch
• 32:12
  is
• 32:12
  a
• 32:13
  comparison
• 32:14
  product.
• 32:14
  It's
• 32:15
  a
• 32:15
  website,
• 32:15
  powerswitch.org
• 32:16
  nz.
• 32:17
  You
• 32:17
  can
• 32:17
  plug
• 32:17
  in
• 32:18
  your
• 32:18
  power
• 32:19
  usage
• 32:19
  and
• 32:20
  work
• 32:20
  out
• 32:20
  whether
• 32:21
  you're
• 32:21
  with
• 32:21
  the
• 32:21
  right
• 32:22
  company.
• 32:23
  Again,
• 32:23
  this
• 32:23
  requires
• 32:24
  becoming
• 32:24
  a
• 32:25
  bit
• 32:25
  of
• 32:25
  a
• 32:25
  nerd.
• 32:25
  There's
• 32:25
  someone
• 32:26
  I
• 32:26
  work
• 32:26
  with,
• 32:27
  Paul
• 32:27
  Fuge
• 32:28
  is
• 32:28
  the
• 32:28
  powerswitch
• 32:28
  manager
• 32:29
  and
• 32:30
  he
• 32:30
  has
• 32:31
  gamed
• 32:32
  the
• 32:32
  system
• 32:33
  so
• 32:33
  that
• 32:34
  often
• 32:35
  the
• 32:35
  power
• 32:35
  company
• 32:36
  is
• 32:36
  paying
• 32:36
  him.
• 32:37
  His
• 32:38
  power
• 32:38
  bill
• 32:38
  is
• 32:39
  not
• 32:39
  just
• 32:39
  nothing,
• 32:40
  but
• 32:40
  he's
• 32:41
  got.
• 32:41
  So
• 32:41
  he's
• 32:42
  got
• 32:42
  solar,
• 32:42
  so
• 32:42
  positive.
• 32:43
  Yeah,
• 32:43
  he's
• 32:44
  got
• 32:44
  solar
• 32:44
  on
• 32:44
  his
• 32:44
  roof,
• 32:45
  he's
• 32:45
  got
• 32:45
  a
• 32:45
  hot
• 32:45
  water
• 32:46
  heat
• 32:46
  pump,
• 32:46
  he's
• 32:46
  got
• 32:47
  EV
• 32:48
  cars
• 32:48
  and
• 32:48
  bikes
• 32:49
  and
• 32:49
  he's
• 32:49
  that
• 32:50
  into
• 32:50
  it.
• 32:51
  I
• 32:51
  love
• 32:51
  these
• 32:52
  people,
• 32:52
  but
• 32:52
  I'm
• 32:52
  always
• 32:53
  just
• 32:53
  like,
• 32:53
  come
• 32:53
  and
• 32:53
  tell
• 32:53
  me
• 32:54
  what
• 32:54
  to
• 32:54
  do.
• 32:54
  I
• 32:54
  cannot
• 32:55
  be
• 32:55
  you.
• 32:55
  But
• 32:55
  I
• 32:55
  would
• 32:56
  like
• 32:56
  your
• 32:56
  tips.
• 32:57
  Exactly.
• 32:58
  Yeah.
• 32:58
  And
• 32:58
  again,
• 32:58
  you've
• 32:59
  gotta
• 32:59
  have
• 32:59
  the
• 32:59
  money,
• 32:59
  right?
• 33:00
  Solar's
• 33:00
  expensive.
• 33:01
  Hot
• 33:01
  water
• 33:01
  heat
• 33:01
  pumps
• 33:02
  are
• 33:02
  five
• 33:02
  or
• 33:02
  six
• 33:03
  thousand
• 33:03
  dollars.
• 33:03
  They
• 33:04
  are
• 33:04
  expensive.
• 33:05
  People
• 33:05
  tend
• 33:06
  to
• 33:06
  stick
• 33:06
  with
• 33:06
  what
• 33:06
  they've
• 33:07
  got.
• 33:07
  Right?
• 33:07
  I'll
• 33:08
  give
• 33:08
  you
• 33:08
  an
• 33:08
  example.
• 33:09
  We've
• 33:09
  bought
• 33:09
  this
• 33:09
  house,
• 33:10
  we're
• 33:10
  moving
• 33:10
  into
• 33:10
  a
• 33:10
  house.
• 33:10
  It's
• 33:11
  got
• 33:11
  gas,
• 33:11
  hot
• 33:12
  water.
• 33:12
  That
• 33:12
  is
• 33:13
  the
• 33:13
  most
• 33:13
  expensive
• 33:14
  way
• 33:14
  of
• 33:14
  heating
• 33:15
  hot
• 33:15
  water
• 33:16
  in
• 33:16
  your
• 33:16
  house.
• 33:16
  The
• 33:17
  estimate
• 33:17
  I've
• 33:17
  been
• 33:17
  given
• 33:17
  could
• 33:18
  be
• 33:18
  up
• 33:18
  to
• 33:18
  150
• 33:19
  every
• 33:20
  couple
• 33:20
  of
• 33:20
  months.
• 33:21
  And
• 33:22
  so
• 33:22
  we're
• 33:22
  immediately
• 33:23
  installing
• 33:24
  a
• 33:24
  hot
• 33:24
  water
• 33:24
  heat
• 33:24
  pump,
• 33:25
  which
• 33:25
  we've
• 33:25
  been
• 33:25
  told
• 33:25
  can
• 33:25
  bring
• 33:26
  it
• 33:26
  way,
• 33:26
  way
• 33:26
  down.
• 33:27
  But
• 33:28
  we're
• 33:29
  building
• 33:29
  that
• 33:29
  into
• 33:30
  the
• 33:30
  mortgage
• 33:31
  because
• 33:31
  it's
• 33:32
  not
• 33:32
  cheap.
• 33:32
  I
• 33:32
  think
• 33:32
  it's
• 33:33
  nearly
• 33:34
  $6,000
• 33:34
  for
• 33:34
  a
• 33:34
  hot
• 33:35
  water
• 33:35
  heat
• 33:35
  pump,
• 33:35
  but
• 33:35
  it'll
• 33:36
  pay
• 33:36
  for
• 33:36
  itself
• 33:36
  in
• 33:36
  three
• 33:37
  years.
• 33:38
  So
• 33:38
  you
• 33:38
  need
• 33:38
  to
• 33:38
  know
• 33:41
  your
• 33:41
  power
• 33:41
  usage
• 33:42
  when
• 33:42
  you
• 33:43
  use
• 33:43
  these
• 33:43
  things.
• 33:45
  Are
• 33:46
  you
• 33:46
  someone
• 33:46
  who
• 33:46
  will
• 33:47
  run
• 33:47
  around
• 33:47
  the
• 33:47
  house
• 33:47
  and
• 33:48
  put
• 33:48
  all
• 33:48
  of
• 33:49
  the
• 33:49
  dishwasher
• 33:50
  and
• 33:50
  the
• 33:50
  washing
• 33:51
  machine
• 33:51
  on
• 33:51
  after
• 33:51
  11
• 33:52
  o',
• 33:52
  clock,
• 33:52
  when
• 33:53
  power's
• 33:53
  at
• 33:53
  its
• 33:54
  lowest,
• 33:54
  that
• 33:55
  kind
• 33:55
  of
• 33:55
  thing?
• 33:55
  Or
• 33:55
  are
• 33:55
  you
• 33:55
  someone
• 33:56
  who
• 33:56
  just
• 33:56
  wants
• 33:56
  to
• 33:57
  use
• 33:57
  power
• 33:58
  when
• 33:58
  you
• 33:58
  need
• 33:58
  it.
• 33:58
  And
• 33:59
  you
• 33:59
  don't
• 33:59
  want
• 33:59
  to
• 33:59
  be
• 33:59
  that
• 33:59
  nerdy
• 34:00
  about
• 34:00
  it
• 34:00
  or
• 34:01
  the
• 34:01
  website
• 34:01
  will
• 34:02
  ask
• 34:02
  you
• 34:02
  all
• 34:02
  of
• 34:02
  those
• 34:02
  details.
• 34:03
  But
• 34:04
  power's
• 34:04
  not
• 34:04
  cheap.
• 34:05
  It's
• 34:05
  estimated
• 34:06
  to
• 34:06
  go
• 34:06
  up
• 34:06
  again,
• 34:07
  to
• 34:07
  be
• 34:07
  going
• 34:07
  up
• 34:08
  again
• 34:08
  this
• 34:08
  year.
• 34:09
  We
• 34:09
  got
• 34:09
  up
• 34:09
  to
• 34:10
  nearly
• 34:10
  $400
• 34:11
  in
• 34:11
  a
• 34:11
  month
• 34:12
  last
• 34:12
  winter
• 34:14
  and
• 34:14
  winter's
• 34:15
  not
• 34:15
  that
• 34:15
  far
• 34:15
  away.
• 34:16
  It's
• 34:16
  coming
• 34:16
  around
• 34:17
  again.
• 34:18
  Yeah.
• 34:19
  Well,
• 34:19
  I
• 34:19
  love
• 34:19
  what
• 34:19
  you
• 34:19
  were
• 34:19
  saying
• 34:20
  there,
• 34:20
  but
• 34:20
  are
• 34:20
  you
• 34:20
  someone
• 34:21
  who's
• 34:21
  willing
• 34:21
  to
• 34:21
  run
• 34:22
  around
• 34:22
  and
• 34:23
  put
• 34:23
  things
• 34:23
  on
• 34:23
  at
• 34:23
  certain
• 34:24
  times?
• 34:24
  Because
• 34:24
  we
• 34:25
  even
• 34:25
  did
• 34:25
  that,
• 34:25
  we
• 34:26
  would
• 34:26
  have
• 34:26
  things
• 34:26
  on
• 34:27
  timers
• 34:28
  even.
• 34:28
  Because
• 34:28
  I,
• 34:29
  you
• 34:29
  know,
• 34:29
  I've
• 34:29
  got
• 34:29
  two
• 34:30
  young
• 34:30
  kids,
• 34:30
  they
• 34:30
  really
• 34:30
  like
• 34:31
  to
• 34:31
  get
• 34:31
  up
• 34:31
  early,
• 34:32
  but
• 34:32
  not
• 34:33
  my
• 34:33
  cup
• 34:33
  of
• 34:33
  tea.
• 34:34
  But
• 34:34
  I
• 34:34
  have
• 34:35
  learned
• 34:35
  that
• 34:35
  they're
• 34:35
  setting
• 34:36
  the
• 34:36
  awake
• 34:36
  times,
• 34:36
  not
• 34:36
  me.
• 34:38
  And
• 34:39
  so
• 34:39
  we're
• 34:39
  quite
• 34:39
  early
• 34:40
  to
• 34:40
  bed.
• 34:40
  But
• 34:40
  I've
• 34:40
  got,
• 34:41
  you
• 34:41
  know,
• 34:41
  things
• 34:41
  like
• 34:41
  the
• 34:41
  dishwasher
• 34:42
  and
• 34:42
  whatever,
• 34:42
  they're
• 34:43
  on
• 34:43
  timers.
• 34:43
  So
• 34:44
  they
• 34:44
  start
• 34:44
  up,
• 34:45
  you
• 34:45
  know,
• 34:46
  at
• 34:46
  I
• 34:46
  think
• 34:46
  four
• 34:47
  in
• 34:47
  the
• 34:47
  morning.
• 34:47
  And
• 34:48
  so
• 34:48
  everything's
• 34:48
  ready
• 34:49
  and
• 34:49
  good
• 34:49
  to
• 34:49
  go
• 34:49
  by
• 34:49
  the
• 34:50
  time
• 34:50
  we
• 34:50
  get
• 34:50
  up.
• 34:50
  But
• 34:50
  it's
• 34:51
  in
• 34:51
  that
• 34:51
  off
• 34:51
  peak
• 34:51
  power
• 34:51
  time.
• 34:53
  We
• 34:53
  also
• 34:53
  did
• 34:53
  invest
• 34:54
  in
• 34:55
  solar
• 34:55
  and
• 34:55
  we
• 34:55
  used
• 34:56
  one
• 34:56
  of
• 34:56
  those
• 34:56
  0%
• 34:57
  home
• 34:58
  loans
• 34:58
  on
• 34:59
  that.
• 34:59
  I
• 34:59
  mean
• 34:59
  it's,
• 35:00
  it's
• 35:00
  a
• 35:01
  hack
• 35:01
  for
• 35:02
  someone
• 35:02
  who
• 35:03
  is
• 35:03
  a
• 35:03
  homeowner
• 35:04
  and
• 35:04
  so
• 35:04
  that
• 35:05
  sucks
• 35:05
  to
• 35:05
  be
• 35:05
  able
• 35:05
  to
• 35:05
  rent
• 35:06
  and
• 35:06
  I'm
• 35:06
  sorry
• 35:06
  that
• 35:06
  you
• 35:06
  don't
• 35:07
  have
• 35:07
  that
• 35:07
  option.
• 35:07
  But
• 35:07
  if
• 35:08
  you
• 35:08
  are
• 35:08
  a
• 35:08
  homeowner
• 35:09
  and
• 35:09
  you
• 35:09
  can
• 35:09
  make
• 35:09
  that
• 35:10
  investment,
• 35:10
  those
• 35:10
  0%
• 35:11
  home
• 35:11
  loans
• 35:11
  for
• 35:11
  sort
• 35:12
  of
• 35:12
  green
• 35:13
  things
• 35:13
  are
• 35:13
  a
• 35:14
  great
• 35:14
  option
• 35:14
  to
• 35:15
  look
• 35:15
  into.
• 35:15
  It
• 35:15
  means
• 35:15
  you
• 35:16
  can
• 35:16
  pay
• 35:16
  it
• 35:16
  off
• 35:16
  quite
• 35:17
  quickly
• 35:17
  and
• 35:17
  make
• 35:17
  that
• 35:17
  investment,
• 35:19
  make
• 35:19
  a
• 35:19
  bit
• 35:19
  more
• 35:19
  financial
• 35:20
  sense.
• 35:21
  Looking
• 35:21
  for
• 35:21
  these
• 35:22
  little
• 35:22
  hacks.
• 35:23
  So
• 35:23
  helpful.
• 35:24
  But
• 35:24
  like
• 35:24
  you
• 35:25
  say,
• 35:25
  it
• 35:25
  takes
• 35:25
  time.
• 35:25
  Right.
• 35:25
  Do
• 35:26
  you
• 35:26
  have
• 35:26
  any
• 35:26
  tips
• 35:26
  and
• 35:26
  tricks
• 35:27
  for
• 35:28
  how
• 35:28
  you
• 35:28
  go
• 35:29
  about
• 35:29
  researching
• 35:29
  this
• 35:30
  stuff
• 35:30
  without
• 35:30
  it
• 35:30
  turning
• 35:30
  into
• 35:31
  a
• 35:31
  second
• 35:31
  job?
• 35:32
  Consumer's
• 35:32
  got
• 35:33
  all
• 35:33
  this
• 35:33
  stuff
• 35:33
  on
• 35:33
  its
• 35:33
  website.
• 35:34
  It's
• 35:34
  all
• 35:34
  there.
• 35:35
  You
• 35:35
  need
• 35:35
  to
• 35:35
  educate
• 35:36
  yourself,
• 35:36
  you
• 35:36
  need
• 35:36
  to
• 35:37
  advocate
• 35:37
  for
• 35:37
  yourself,
• 35:39
  you
• 35:39
  need
• 35:40
  to
• 35:40
  ask
• 35:41
  for
• 35:41
  these
• 35:41
  things.
• 35:43
  You
• 35:43
  can't
• 35:43
  just
• 35:43
  sit
• 35:44
  back
• 35:44
  and
• 35:44
  go,
• 35:44
  that's
• 35:45
  just
• 35:45
  what
• 35:45
  it
• 35:45
  is.
• 35:46
  And
• 35:46
  so
• 35:46
  yeah,
• 35:47
  maybe
• 35:47
  you're
• 35:47
  only
• 35:47
  saving
• 35:49
  100
• 35:49
  or
• 35:49
  $150
• 35:50
  on
• 35:50
  your
• 35:51
  power
• 35:51
  bill
• 35:51
  by
• 35:52
  switching,
• 35:53
  but
• 35:53
  when
• 35:53
  you
• 35:53
  couple
• 35:53
  that
• 35:54
  with
• 35:54
  a
• 35:54
  couple
• 35:54
  of
• 35:55
  cheaper
• 35:55
  insurance
• 35:56
  options,
• 35:57
  bringing
• 35:57
  your
• 35:57
  grocery
• 35:58
  bills
• 35:58
  down,
• 35:58
  suddenly
• 35:59
  you're
• 35:59
  saving.
• 35:59
  Real
• 36:00
  money
• 36:01
  can
• 36:01
  add
• 36:01
  up
• 36:01
  to
• 36:01
  hundreds
• 36:02
  and
• 36:03
  it's
• 36:03
  like
• 36:03
  hundreds
• 36:04
  on
• 36:04
  a
• 36:04
  weekly
• 36:04
  or
• 36:04
  monthly
• 36:05
  basis.
• 36:05
  That's
• 36:06
  lots
• 36:06
  of
• 36:06
  money.
• 36:07
  Yeah.
• 36:08
  And
• 36:08
  I
• 36:08
  don't
• 36:09
  know
• 36:09
  you,
• 36:09
  I've
• 36:09
  got
• 36:09
  places
• 36:10
  that
• 36:10
  money
• 36:10
  can
• 36:10
  go.
• 36:11
  Yeah,
• 36:13
  exactly.
• 36:14
  It's
• 36:14
  like
• 36:14
  the
• 36:14
  conversation
• 36:15
  I
• 36:15
  just
• 36:15
  had
• 36:15
  with
• 36:15
  my
• 36:15
  four
• 36:15
  year
• 36:16
  old
• 36:16
  the
• 36:16
  other
• 36:16
  day.
• 36:16
  And
• 36:17
  you
• 36:17
  know,
• 36:17
  they
• 36:17
  ask
• 36:18
  why
• 36:18
  questions
• 36:18
  about
• 36:18
  everything
• 36:19
  under
• 36:19
  the
• 36:19
  sun
• 36:19
  and
• 36:19
  so
• 36:20
  why
• 36:20
  don't
• 36:20
  you
• 36:21
  want
• 36:21
  to
• 36:21
  crash
• 36:21
  the
• 36:21
  car?
• 36:21
  Money.
• 36:22
  Because
• 36:22
  I
• 36:22
  don't
• 36:23
  want
• 36:23
  to
• 36:23
  be
• 36:23
  in
• 36:23
  a
• 36:23
  car
• 36:23
  crash.
• 36:25
  But
• 36:25
  I
• 36:25
  said,
• 36:25
  well,
• 36:25
  you
• 36:26
  know,
• 36:26
  that
• 36:26
  would
• 36:26
  cost
• 36:26
  money
• 36:26
  to
• 36:27
  fix
• 36:27
  and
• 36:27
  I'd
• 36:27
  rather
• 36:27
  spend
• 36:28
  money
• 36:28
  on
• 36:28
  fun
• 36:28
  things.
• 36:28
  And
• 36:29
  I
• 36:29
  was
• 36:29
  thinking
• 36:29
  about
• 36:29
  it,
• 36:29
  I
• 36:30
  was
• 36:30
  like,
• 36:30
  I
• 36:30
  think
• 36:30
  that's
• 36:30
  one
• 36:30
  of
• 36:30
  the
• 36:30
  most
• 36:30
  true
• 36:31
  things
• 36:31
  I've
• 36:31
  said
• 36:31
  to
• 36:32
  him.
• 36:32
  But
• 36:32
  you
• 36:33
  know,
• 36:33
  when
• 36:33
  I'm
• 36:34
  sort
• 36:34
  of
• 36:34
  doing
• 36:34
  a
• 36:35
  bit
• 36:35
  of
• 36:35
  this,
• 36:35
  you
• 36:35
  know,
• 36:36
  maintenance,
• 36:36
  the
• 36:36
  admin
• 36:37
  work.
• 36:37
  I
• 36:37
  hate
• 36:38
  admin.
• 36:38
  Oh
• 36:38
  yeah.
• 36:39
  But
• 36:39
  you
• 36:39
  know,
• 36:39
  say
• 36:39
  we're
• 36:40
  watching
• 36:40
  a
• 36:40
  TV
• 36:41
  show
• 36:41
  and
• 36:41
  it's,
• 36:42
  it's
• 36:42
  the
• 36:42
  adult
• 36:43
  time
• 36:44
  of
• 36:44
  evening.
• 36:44
  We
• 36:45
  finally
• 36:45
  get
• 36:45
  to
• 36:45
  watch
• 36:45
  a
• 36:46
  TV
• 36:46
  show
• 36:46
  that
• 36:47
  isn't
• 36:47
  Mary
• 36:47
  Poppins
• 36:48
  or
• 36:48
  Paw
• 36:48
  Patrol
• 36:49
  or
• 36:49
  whatever.
• 36:50
  But
• 36:51
  it's
• 36:51
  not
• 36:51
  my
• 36:51
  choice,
• 36:52
  it's
• 36:52
  the
• 36:52
  husband's
• 36:53
  choice.
• 36:53
  We're
• 36:53
  going
• 36:53
  to
• 36:53
  alternate
• 36:54
  and
• 36:54
  tonight
• 36:54
  it's
• 36:54
  his
• 36:55
  choice.
• 36:55
  While
• 36:55
  I
• 36:55
  might
• 36:55
  be
• 36:56
  semi
• 36:56
  watching
• 36:57
  this,
• 36:57
  but
• 36:57
  putting
• 36:58
  in
• 36:58
  a
• 36:58
  couple
• 36:58
  of
• 36:59
  insurance
• 36:59
  quotes
• 37:00
  while
• 37:00
  we've
• 37:01
  got
• 37:01
  it
• 37:01
  on
• 37:01
  in
• 37:01
  the
• 37:01
  background
• 37:02
  and
• 37:02
  that's
• 37:02
  still
• 37:03
  a
• 37:03
  nice
• 37:03
  time.
• 37:03
  I've
• 37:04
  still
• 37:04
  got
• 37:04
  my
• 37:04
  feet
• 37:04
  up
• 37:04
  on
• 37:04
  my
• 37:05
  husband.
• 37:05
  I've
• 37:05
  just
• 37:05
  got
• 37:05
  the
• 37:05
  laptop
• 37:06
  out
• 37:06
  and
• 37:06
  running
• 37:06
  around.
• 37:07
  I've
• 37:07
  got
• 37:07
  something
• 37:07
  brainless
• 37:08
  that
• 37:08
  I'm
• 37:08
  somewhat
• 37:09
  invested
• 37:09
  in,
• 37:09
  but
• 37:09
  I'm
• 37:09
  not
• 37:09
  that
• 37:10
  invested
• 37:10
  in.
• 37:11
  And
• 37:11
  you're
• 37:11
  just
• 37:11
  putting
• 37:11
  in
• 37:11
  a
• 37:11
  couple
• 37:12
  of
• 37:12
  online
• 37:12
  quotes
• 37:13
  or
• 37:13
  you're
• 37:13
  just
• 37:14
  doing
• 37:14
  the
• 37:14
  online
• 37:15
  shop
• 37:15
  and
• 37:15
  scheduling
• 37:16
  it
• 37:16
  to
• 37:16
  pick
• 37:16
  up
• 37:16
  tomorrow
• 37:17
  after
• 37:17
  the
• 37:17
  school
• 37:17
  run.
• 37:18
  And
• 37:18
  if
• 37:18
  you
• 37:18
  can
• 37:19
  build
• 37:19
  it
• 37:19
  into
• 37:19
  your
• 37:19
  life
• 37:19
  in
• 37:20
  this
• 37:20
  way,
• 37:20
  I
• 37:21
  think
• 37:21
  you
• 37:22
  just
• 37:22
  make
• 37:22
  it
• 37:22
  part
• 37:22
  of
• 37:23
  the
• 37:23
  routine
• 37:23
  and
• 37:23
  a
• 37:23
  nice
• 37:23
  part
• 37:24
  of
• 37:24
  the
• 37:24
  routine.
• 37:25
  Do
• 37:26
  it
• 37:26
  like
• 37:26
  a
• 37:26
  little
• 37:26
  bite
• 37:27
  at
• 37:27
  a
• 37:27
  time
• 37:27
  and
• 37:27
  it's
• 37:28
  not
• 37:28
  so
• 37:28
  bad.
• 37:29
  Great
• 37:29
  advice.
• 37:29
  Yeah,
• 37:29
  that's,
• 37:30
  that's
• 37:30
  how
• 37:30
  I
• 37:30
  kind
• 37:31
  of
• 37:31
  approach
• 37:31
  it.
• 37:31
  Because
• 37:32
  you
• 37:32
  need
• 37:32
  to
• 37:32
  have
• 37:32
  energy
• 37:32
  for
• 37:33
  it.
• 37:33
  How
• 37:33
  much
• 37:33
  do
• 37:33
  you
• 37:33
  think
• 37:34
  is
• 37:34
  on
• 37:34
  us
• 37:34
  as
• 37:34
  individuals?
• 37:35
  It
• 37:35
  is
• 37:35
  on
• 37:36
  us.
• 37:36
  You're
• 37:36
  right.
• 37:36
  You
• 37:37
  know,
• 37:37
  like,
• 37:37
  like
• 37:37
  we
• 37:38
  talked
• 37:38
  about
• 37:38
  earlier,
• 37:39
  your
• 37:39
  power
• 37:40
  company's
• 37:40
  not
• 37:40
  gonna
• 37:41
  call
• 37:41
  you
• 37:41
  and
• 37:41
  say,
• 37:41
  hey,
• 37:41
  do
• 37:41
  you
• 37:41
  want
• 37:42
  a
• 37:42
  discount
• 37:42
  on
• 37:42
  this?
• 37:43
  Your
• 37:43
  insurance
• 37:43
  company
• 37:44
  isn't
• 37:44
  gonna
• 37:45
  call
• 37:45
  you
• 37:45
  and
• 37:45
  say,
• 37:46
  it's
• 37:46
  time
• 37:46
  to
• 37:47
  look
• 37:47
  at
• 37:47
  this
• 37:47
  and
• 37:47
  give
• 37:47
  you
• 37:47
  some
• 37:48
  lower
• 37:48
  rates.
• 37:48
  They're
• 37:49
  just
• 37:49
  not
• 37:49
  going
• 37:49
  to
• 37:50
  do
• 37:50
  that.
• 37:50
  Right?
• 37:51
  They're
• 37:51
  not
• 37:51
  in
• 37:51
  that
• 37:52
  business,
• 37:54
  unfortunately.
• 37:55
  They're
• 37:56
  banking
• 37:56
  on
• 37:56
  you
• 37:57
  doing
• 37:57
  that,
• 37:57
  not
• 37:58
  asking
• 37:58
  for
• 37:58
  discounts.
• 37:59
  That's
• 37:59
  what
• 37:59
  they
• 38:00
  want.
• 38:00
  They
• 38:00
  want
• 38:00
  you
• 38:00
  to
• 38:00
  just
• 38:00
  sit
• 38:01
  there
• 38:01
  and
• 38:01
  pay
• 38:02
  that
• 38:02
  monthly
• 38:02
  or
• 38:02
  annual
• 38:03
  fee
• 38:04
  and
• 38:04
  just
• 38:04
  keep
• 38:05
  rolling
• 38:05
  it
• 38:05
  over
• 38:06
  to
• 38:06
  accept
• 38:06
  it
• 38:06
  as
• 38:07
  normal.
• 38:07
  They're
• 38:08
  really
• 38:08
  hoping
• 38:09
  that
• 38:09
  this
• 38:09
  just
• 38:09
  gets
• 38:09
  bettered
• 38:10
  in
• 38:10
  as
• 38:10
  normal.
• 38:10
  Whereas
• 38:11
  if
• 38:11
  we
• 38:11
  all
• 38:11
  start
• 38:11
  pushing
• 38:12
  back,
• 38:12
  actually
• 38:12
  that
• 38:13
  is
• 38:13
  a
• 38:13
  way
• 38:14
  that
• 38:14
  some
• 38:14
  of
• 38:14
  this
• 38:14
  madness
• 38:15
  can
• 38:15
  wind
• 38:15
  back
• 38:15
  a
• 38:16
  little
• 38:16
  bit.
• 38:16
  Yeah,
• 38:16
  they're
• 38:17
  gonna,
• 38:17
  they're
• 38:17
  gonna
• 38:17
  get
• 38:17
  a
• 38:17
  lot
• 38:18
  of
• 38:18
  phone
• 38:18
  calls
• 38:18
  after
• 38:18
  this,
• 38:19
  aren't
• 38:19
  they?
• 38:19
  I
• 38:19
  hope
• 38:20
  so.
• 38:22
  If
• 38:22
  there's.
• 38:22
  Because
• 38:22
  we've
• 38:22
  talked
• 38:23
  about
• 38:23
  a
• 38:23
  few
• 38:23
  different
• 38:23
  areas
• 38:24
  and
• 38:24
  a
• 38:24
  few
• 38:24
  different
• 38:24
  tactics.
• 38:25
  If
• 38:25
  people
• 38:25
  were
• 38:26
  feeling
• 38:26
  a
• 38:26
  bit
• 38:26
  overwhelmed
• 38:27
  after
• 38:27
  listening
• 38:27
  to
• 38:27
  all
• 38:27
  this
• 38:28
  and
• 38:28
  being
• 38:28
  like,
• 38:28
  I
• 38:28
  don't
• 38:28
  know
• 38:28
  where
• 38:28
  to
• 38:29
  like,
• 38:29
  yes
• 38:29
  to
• 38:29
  all
• 38:29
  of
• 38:30
  that,
• 38:30
  but
• 38:30
  I
• 38:30
  don't
• 38:30
  know
• 38:30
  where
• 38:30
  to
• 38:30
  start.
• 38:31
  What
• 38:31
  do
• 38:31
  you
• 38:31
  think
• 38:31
  are
• 38:32
  the
• 38:32
  most
• 38:32
  high
• 38:32
  impact
• 38:32
  areas
• 38:33
  of
• 38:33
  what
• 38:33
  we've
• 38:33
  talked
• 38:34
  about
• 38:34
  today?
• 38:35
  Oh,
• 38:35
  power
• 38:35
  bill
• 38:36
  for
• 38:36
  sure.
• 38:37
  If
• 38:37
  that
• 38:37
  works
• 38:38
  for
• 38:38
  you.
• 38:38
  Get
• 38:38
  on
• 38:39
  a
• 38:39
  roll.
• 38:41
  Actually
• 38:42
  writing
• 38:42
  out
• 38:42
  everything
• 38:43
  that
• 38:43
  you
• 38:43
  are
• 38:44
  subscribed
• 38:44
  to
• 38:44
  or
• 38:45
  are
• 38:45
  paying
• 38:45
  for
• 38:46
  and
• 38:46
  maybe
• 38:47
  because
• 38:47
  it's
• 38:47
  personal,
• 38:48
  but
• 38:48
  maybe
• 38:48
  ranking
• 38:50
  which
• 38:50
  ones
• 38:51
  are
• 38:51
  most
• 38:51
  important
• 38:52
  to
• 38:52
  you
• 38:52
  and
• 38:52
  which
• 38:53
  ones
• 38:53
  are
• 38:53
  costing
• 38:53
  you
• 38:53
  the
• 38:54
  most
• 38:55
  and
• 38:56
  targeting
• 38:56
  those
• 38:56
  first.
• 38:57
  And
• 38:57
  just
• 38:57
  see,
• 38:58
  see
• 38:58
  if
• 38:58
  you
• 38:58
  can
• 38:58
  get
• 38:58
  a
• 38:59
  win
• 38:59
  or
• 38:59
  two
• 38:59
  because
• 39:00
  it
• 39:00
  can
• 39:00
  be
• 39:00
  quite
• 39:00
  addictive.
• 39:01
  It
• 39:01
  can,
• 39:02
  you
• 39:02
  know,
• 39:02
  once
• 39:03
  you
• 39:03
  get
• 39:03
  a
• 39:03
  win,
• 39:03
  you're
• 39:03
  going
• 39:03
  to
• 39:03
  feel
• 39:04
  more
• 39:04
  motivated,
• 39:04
  you're
• 39:05
  going
• 39:05
  to
• 39:05
  get
• 39:05
  that
• 39:05
  little
• 39:05
  boost
• 39:05
  and
• 39:06
  you're
• 39:06
  like,
• 39:06
  oh,
• 39:06
  I
• 39:06
  could
• 39:06
  do
• 39:06
  that
• 39:07
  elsewhere.
• 39:07
  Exactly.
• 39:08
  It's
• 39:08
  not
• 39:08
  going
• 39:08
  to
• 39:08
  be
• 39:08
  boring
• 39:09
  admin
• 39:09
  anymore.
• 39:09
  You're
• 39:09
  like,
• 39:10
  I'm
• 39:10
  winning
• 39:11
  against
• 39:11
  these
• 39:11
  big
• 39:12
  companies.
• 39:13
  I
• 39:13
  can
• 39:13
  do
• 39:13
  more
• 39:14
  of
• 39:14
  this.
• 39:14
  It
• 39:14
  does
• 39:14
  feel
• 39:15
  like
• 39:15
  a
• 39:15
  win.
• 39:15
  And
• 39:16
  you
• 39:16
  know,
• 39:16
  we're
• 39:16
  a
• 39:16
  little
• 39:16
  short
• 39:17
  on
• 39:17
  those
• 39:17
  in
• 39:17
  this
• 39:18
  day
• 39:18
  and
• 39:18
  age,
• 39:18
  so
• 39:19
  here's
• 39:20
  a
• 39:20
  way
• 39:20
  to
• 39:20
  do
• 39:20
  it.
• 39:20
  I
• 39:21
  love
• 39:21
  it.
• 39:21
  All
• 39:21
  right.
• 39:21
  And
• 39:21
  if
• 39:21
  people
• 39:22
  want
• 39:22
  more
• 39:22
  from
• 39:22
  you
• 39:22
  and
• 39:23
  your
• 39:23
  work,
• 39:23
  where
• 39:23
  can
• 39:23
  they
• 39:23
  find
• 39:24
  you?
• 39:24
  Consumer.org
• 39:25
  NZ
• 39:26
  There
• 39:26
  are
• 39:27
  all
• 39:27
  kinds
• 39:27
  of
• 39:27
  tips
• 39:28
  and
• 39:28
  tricks
• 39:28
  to
• 39:28
  help
• 39:28
  you
• 39:28
  save
• 39:28
  money.
• 39:29
  There's
• 39:29
  Perfect
• 39:30
  mate.
• 39:30
  Thank
• 39:31
  you
• 39:31
  so
• 39:31
  much
• 39:31
  for
• 39:31
  coming
• 39:31
  on.
• 39:32
  Chris
• 39:32
  Schultz,
• 39:32
  investigative
• 39:33
  journalist
• 39:33
  for
• 39:33
  Consumers
• 39:34
  now,
• 39:35
  if
• 39:35
  you
• 39:35
  want
• 39:35
  more
• 39:36
  like
• 39:36
  this,
• 39:36
  of
• 39:37
  course,
• 39:37
  first
• 39:37
  of
• 39:37
  all,
• 39:38
  hit
• 39:38
  subscribe
• 39:38
  any
• 39:38
  way
• 39:39
  you're
• 39:39
  listening
• 39:39
  to
• 39:39
  Making
• 39:39
  Sense.
• 39:40
  And
• 39:40
  send
• 39:40
  this
• 39:41
  episode
• 39:41
  to
• 39:41
  a
• 39:41
  friend
• 39:42
  so
• 39:42
  we
• 39:42
  can
• 39:42
  all
• 39:42
  level
• 39:42
  up
• 39:43
  with
• 39:43
  money
• 39:43
  together.
• 39:43
  Until
• 39:43
  next
• 39:44
  time,
• 39:44
  though,
• 39:44
  have
• 39:44
  a
• 39:45
  great
• 39:45
  day.
• 39:47
  This
• 39:47
  podcast
• 39:48
  can
• 39:48
  only
• 39:48
  give
• 39:48
  you
• 39:48
  general
• 39:49
  information
• 39:49
  about
• 39:50
  how
• 39:50
  things
• 39:50
  work
• 39:51
  in
• 39:51
  most
• 39:51
  situations.
• 39:52
  It's
• 39:52
  not
• 39:53
  individual
• 39:53
  financial
• 39:54
  advice.
• 39:54
  If
• 39:55
  you're
• 39:55
  after
• 39:55
  that,
• 39:55
  a
• 39:56
  financial
• 39:56
  advisor
• 39:57
  is
• 39:57
  always
• 39:57
  the
• 39:58
  best
• 39:58
  bet.