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How To Protect Your Financial Data · She's On The Money

0:00
Speaker 1: Hello.
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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
0:05
Speaker 2: Order KERNI Whoalbury and a waddery woman. And before we
0:08
Speaker 2: get started on She's on the Money podcast, I would
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Speaker 2: like to acknowledge the traditional custodians of the land of
0:14
Speaker 2: which this podcast is recorded on a wondery country, acknowledging
0:18
Speaker 2: the elders, the ancestors and the next generation coming through
0:23
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
0:27
Speaker 2: the storytelling of you to make a difference for today
0:31
Speaker 2: and lasting impact for tomorrow.
0:33
Speaker 1: Let's get into it.
0:34
Speaker 3: She's on the Money, She's on the Money.
0:57
Speaker 4: Hello, and welcome to Money the Podcast Millennials who want
1:02
Speaker 4: Financial Freedom.
1:03
Speaker 5: My name is Jessica Ricky and.
1:05
Speaker 4: Today I have a finance Queen, a Victoria Devine.
1:09
Speaker 1: I have a juice box.
1:10
Speaker 4: Jess I'm very excited about this, and I think everybody
1:13
Speaker 4: else should know that I have a juice box.
1:15
Speaker 5: I'm sure everybody else is thrilled to hear that. No
1:18
Speaker 5: one cares.
1:19
Speaker 4: Everybody who just listened to this because they were like,
1:21
Speaker 4: you know what, Oh my gosh, I've never listened to
1:23
Speaker 4: Sheese on the Money before. They would really liked to
1:26
Speaker 4: know how to protect my financial data.
1:28
Speaker 5: They're just thinking, this is not what I signed up for.
1:31
Speaker 4: So strap yourselves in because the entire episode is not
1:34
Speaker 4: what you signed up for. But what we will do
1:36
Speaker 4: today is talk to you about how to protect your
1:38
Speaker 4: financial data. And I mean this has come out because
1:41
Speaker 4: Optors recently, and even more recently than that, Wilworths and Telstra,
1:46
Speaker 4: just to name a few, have had massive data breaches
1:49
Speaker 4: and we thought it was really important more than ever
1:52
Speaker 4: to actually have a chat about this and bring it
1:54
Speaker 4: to the show. It is as always a very good
1:57
Speaker 4: reminder that we need to be on guard with our
1:59
Speaker 4: personal information, and too often we just freely give it
2:02
Speaker 4: away or don't protect it in a way that we
2:04
Speaker 4: absolutely should. We are always saying Jess that we really
2:07
Speaker 4: need to protect your credit score and your bank and
2:09
Speaker 4: your superstatements and never give out your TFN and all
2:12
Speaker 4: of that information.
2:13
Speaker 1: But today we.
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Speaker 4: Are going to give you some more practical advice and
2:16
Speaker 4: actions to make sure that you're doing what you can
2:18
Speaker 4: to protect your precious data online. And we're going to
2:21
Speaker 4: be talking about how to actually identify scams and also
2:25
Speaker 4: what to do if you think that your data or
2:27
Speaker 4: identity has actually been stolen and recently, Jess, I know
2:30
Speaker 4: you haven't listened to them yet, but we have a
2:32
Speaker 4: few money diaries coming up where people have literally had
2:36
Speaker 4: their identity stolen and used to sign up for financial
2:39
Speaker 4: services products.
2:40
Speaker 1: It's unfortunately common.
2:42
Speaker 4: It's so scary to think about, and for anyone who's
2:45
Speaker 4: not up to speed, just a little quick recap on
2:47
Speaker 4: the recent events. On the twenty second of September twenty
2:50
Speaker 4: twenty two, Optus was the victim of a cyber attack
2:52
Speaker 4: that resulted in the disclosure of heaps of customers personal information,
2:56
Speaker 4: including mine.
2:58
Speaker 1: But it was really stressful in your first.
3:00
Speaker 4: Right, like if you were calling them up asking them
3:02
Speaker 4: what information that they had. And I mean, luckily for you,
3:06
Speaker 4: some of that information was like outdated. They had your
3:08
Speaker 4: old passports, so that wasn't going to work for anybody. Yes,
3:11
Speaker 4: but what if you just got your new passport and
3:13
Speaker 4: then just applied for a new phone, Like it's a
3:15
Speaker 4: fickle position to be in. Yeah, the information just closed
3:18
Speaker 4: varied person to person, but it could have included people's names,
3:21
Speaker 4: date of births, emails, drivers, licenses, medicare cards, passports, all
3:26
Speaker 4: kinds of things. That they might have had on file,
3:28
Speaker 4: and Oftter said that they have contacted all current and
3:31
Speaker 4: former customers that were affected, and the Australian Federal Police
3:35
Speaker 4: are also investigating, and it's kind of an ongoing thing
3:38
Speaker 4: at the time that we're recording this. My favorite part
3:40
Speaker 4: about that, though, Jess, in light of your next point
3:43
Speaker 4: that you're about to make, is people were jumping up
3:45
Speaker 4: and down. They're like, oh my gosh, hahaha, that's what
3:47
Speaker 4: you get. I'm with Telstra. Then what happened, Oh wow.
3:50
Speaker 4: A few weeks later, Telstra had a smaller scale cyber
3:53
Speaker 4: attack which also exposed information of current and former employees.
3:56
Speaker 5: So we shouldn't laugh.
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Speaker 4: It isn't actually funny, but I just think that I
4:00
Speaker 4: had so many people message me being like, oh my gosh,
4:03
Speaker 4: lucky I'm with tels draw. This never would happen with telsdred.
4:06
Speaker 4: It's something that you cannot avoid, you honestly can't. It's
4:09
Speaker 4: really hard and it really goes to show how important
4:12
Speaker 4: it is to take steps to protect yourself because it
4:14
Speaker 4: seems like every week there are more and more breaches
4:17
Speaker 4: from all different companies. That's been Medibank and all these
4:20
Speaker 4: other places coming out recently, and I think as we
4:23
Speaker 4: move further into the digital age, it's something that is
4:25
Speaker 4: only going to continue to happen and we need to
4:28
Speaker 4: update things. And in response to that Optis breach, the
4:31
Speaker 4: government actually nominated the a Triple Sees scam Watch as
4:35
Speaker 4: the first point of contact for information about what customers
4:38
Speaker 4: can actually do to protect their information, especially online. And
4:42
Speaker 4: scam Watch also has information about the current scams that
4:45
Speaker 4: are referencing the Optus breach and we really really really
4:48
Speaker 4: recommend you check it out as a resource. Obviously, I'll
4:51
Speaker 4: put the links in the show notes for today. Let's
4:53
Speaker 4: start at the top. How common are cases of fraud
4:56
Speaker 4: in Australia. Unfortunately scary so the Australian Bureau of Statistics
5:02
Speaker 4: or the ABS. If you just say ABS, like we
5:04
Speaker 4: don't have those here at she's on the money, But
5:07
Speaker 4: we do have the ABS, so strap yourself in. The
5:09
Speaker 4: scary stats are two point one million Australians, so eleven
5:14
Speaker 4: percent of Australians have experienced one or more types of
5:18
Speaker 4: personal fraud in twenty twenty to twenty twenty one, not
5:21
Speaker 4: across the board, just in the one year WOW and
5:24
Speaker 4: the results showed an increase in the rate of personal
5:27
Speaker 4: fraud from eight point five percent in twenty fourteen to
5:30
Speaker 4: twenty fifteen to eleven percent in twenty twenty to twenty
5:34
Speaker 4: twenty one. And I'm assuming that that is just in
5:37
Speaker 4: line with the growth of the amount of content people
5:40
Speaker 4: disclose on social media.
5:42
Speaker 1: Jess.
5:42
Speaker 4: I was watching a TikTok the other day, which I'm
5:44
Speaker 4: honestly really good at.
5:45
Speaker 1: It's not just a hobby anymore.
5:47
Speaker 4: It's a future potential career path for me just to
5:50
Speaker 4: watch tiktoks. And there was this woman who basically educates
5:54
Speaker 4: people on scams and how your personal data is really
5:58
Speaker 4: easily accessible.
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Speaker 1: She's a lawyer, she's like quite legit.
6:00
Speaker 4: She's in America, and she actually gets people to comment
6:04
Speaker 4: on her videos because people don't believe her. They're like,
6:06
Speaker 4: good luck finding where I live. And like she snaps
6:08
Speaker 4: back and says, Okay, yeah, right, scary because I had
6:12
Speaker 4: never really thought about it. But then when I started
6:15
Speaker 4: to look into some of the usernames that I've used
6:17
Speaker 4: in the past that are actually linked to my personal name,
6:21
Speaker 4: you can find my date of birth, Like, it's not
6:23
Speaker 4: actually hard to find my phone number on the internet.
6:26
Speaker 1: Do you know what I mean.
6:27
Speaker 4: It's actually really really intimidating when you start thinking about it,
6:31
Speaker 4: because so much of this information we just really nearly
6:34
Speaker 4: add to our profiles, because like, what's better than Victoria
6:37
Speaker 4: divide ninety one is a username that's so true. And
6:41
Speaker 4: I feel like we've all probably had a little bit
6:43
Speaker 4: of anxiety, particularly over the last couple of years, that
6:45
Speaker 4: we might have fallen victim to a data breach or
6:48
Speaker 4: to a scam or something of that nature. What should
6:50
Speaker 4: we be doing if we feel like our identity or
6:53
Speaker 4: our data has been stolen. Look, the first step that
6:56
Speaker 4: you want to take is to obviously report the breach
6:59
Speaker 4: to your ball super fund or any type of institution
7:02
Speaker 4: that you think it has happened with sofas optis, obviously
7:05
Speaker 4: reporting it with optis and making sure that for that
7:09
Speaker 4: period of time you're just freezing your accounts. So if
7:12
Speaker 4: it is your bank, instead of being like, oh, I
7:14
Speaker 4: don't know, isn't it just freeze your accounts, you absolutely can.
7:18
Speaker 4: All you need to do is call your bank, can
7:20
Speaker 4: have a chat with them, or have a chat with
7:21
Speaker 4: your super fund. Because the sooner that you can do
7:24
Speaker 4: it one the sooner it can be traced but two,
7:27
Speaker 4: the more likely it is that whoever has your information
7:30
Speaker 4: that's about to use it is going to be barred
7:31
Speaker 4: from doing that instead of racking up debt that you'll
7:34
Speaker 4: then have to negotiate your way out of. I would
7:37
Speaker 4: obviously change my password. I feel like this is just
7:40
Speaker 4: the stock standard list of things that everyone should do,
7:43
Speaker 4: but it's good to get a refresher. Then be on
7:46
Speaker 4: the lookout for really suspicious emails or phone calls or
7:49
Speaker 4: text messages or dms that you get through social media,
7:52
Speaker 4: because sometimes people will bait you into giving you more
7:55
Speaker 4: information or yes, more recently, send you a message if
7:59
Speaker 4: you send this one on what I've got it a
8:01
Speaker 4: few times and it's hey, can you call me? And
8:03
Speaker 4: I reply like what is going on? And they're like, oh,
8:06
Speaker 4: I dropped my phone. This is my friend's number. Can
8:09
Speaker 4: you give me a call? Mum?
8:10
Speaker 2: Oh I have.
8:12
Speaker 4: It's actually wild and it's funny because you know, side
8:16
Speaker 4: note completely in our team we call each other mums.
8:20
Speaker 4: Like it's just kind of like, let's call it a
8:22
Speaker 4: term of endearment, like it just does something nice for me.
8:24
Speaker 4: I'll be like, oh, thanks mum, because she's looked after me. Yeah,
8:27
Speaker 4: and vice versa. My team call me mom all the time,
8:31
Speaker 4: and Kate, our mortgage broker, got this and genuinely thought
8:34
Speaker 4: it was me.
8:34
Speaker 5: Oh my gosh.
8:35
Speaker 4: They didn't say anything other than Mum, I dropped my phone.
8:37
Speaker 5: This is it?
8:38
Speaker 4: Can you like help me? And Kate was like, oh,
8:40
Speaker 4: it must be V like, oh, of course I'll help you.
8:42
Speaker 4: Thankfully she did not get scammed because she immediately called
8:46
Speaker 4: me and I was like, what are you talking about.
8:48
Speaker 4: She was like, so you're not being like your phone
8:50
Speaker 4: isn't drowned? And I was like, no, absolutely not. But
8:54
Speaker 4: imagine if you actually were a parent and you got
8:56
Speaker 4: that message and you had like a teenage son, and
8:58
Speaker 4: that just made sense of also would message you off
9:00
Speaker 4: for friends phone. It's just getting so intricate that it
9:03
Speaker 4: makes me feel really icky. To that note, and going
9:06
Speaker 4: off of your first point about reporting breaches to companies,
9:10
Speaker 4: I would also add if you get a text, even
9:13
Speaker 4: if it seems like it's from a company that you
9:16
Speaker 4: bank with. So for example, if you bank with Bendigo
9:18
Speaker 4: Bank and you get a text saying Hi, it's Bendigobank,
9:20
Speaker 4: your data has been hacked, I would be picking up
9:22
Speaker 4: the phone and calling them from the phone number listed
9:25
Speaker 4: on their website. Because a friend of mine actually got
9:27
Speaker 4: scammed earlier this year, I think it was, And it
9:30
Speaker 4: was because she received a text from her bank, and
9:33
Speaker 4: it was in the thread that her previous bank actually crazy,
9:38
Speaker 4: how deep this can go? Yeah, And it was saying
9:41
Speaker 4: your account has been compromised. We just need you to
9:43
Speaker 4: update your password, log into your thing and update it.
9:46
Speaker 4: And it had the link to take you through and
9:48
Speaker 4: that link was obviously not legitimate and she lost I
9:51
Speaker 4: think it was like fifteen or twenty thousand dollars what
9:55
Speaker 4: and she did all the right thing that it came
9:56
Speaker 4: from her bank. It was on the thread with her
9:58
Speaker 4: previous communications that bank. It was actually wild how I
10:03
Speaker 4: don't know how that works, but it was someone that
10:05
Speaker 4: I personally know, not just a story in wild and
10:08
Speaker 4: she's a switched on girl.
10:09
Speaker 1: I would trust that too.
10:11
Speaker 4: And being spoken to a few of my friends who
10:13
Speaker 4: work in the banking space, I can unequivocally say your
10:17
Speaker 4: bank will never ever ever send you a link that
10:19
Speaker 4: you need to click because they know that that's what
10:22
Speaker 4: scams look like and they're trying to train you to
10:25
Speaker 4: be able to identify that. So your bank is never
10:28
Speaker 4: going to say, oh, Jess, we'll send you the link
10:30
Speaker 4: or text you a link. Maybe they will say your
10:32
Speaker 4: password has been compromised, log into your account and change it.
10:36
Speaker 4: But it's one of those things that a bank is
10:38
Speaker 4: actually never going to send you a link to click
10:40
Speaker 4: on or try and get you to share personal information
10:44
Speaker 4: or a text message thread. It's just not going to happen,
10:47
Speaker 4: and you are absolutely correct. The one thing I would
10:49
Speaker 4: do is just like google NAB's phone number and cool
10:52
Speaker 4: Nab immediately and go hey, I've just got this text message.
10:55
Speaker 4: They'll be able to work it out for you in
10:57
Speaker 4: two seconds, whether that's legitimate or not. Jess, I was
11:01
Speaker 4: actually recording some money diary solo, because turns out you're
11:03
Speaker 4: allowed to have a life and go on holidays without me,
11:06
Speaker 4: which kind of seems really weird and we need to
11:08
Speaker 4: talk about that later. But the other day I was
11:11
Speaker 4: recording a money diary and it was on front of
11:13
Speaker 4: our very very beautiful community members who one has a
11:16
Speaker 4: really good story but we won't get into it, but
11:18
Speaker 4: part of her story was that her identity got stolen
11:21
Speaker 4: when she was at UNI. She was a little bit
11:23
Speaker 4: careless with her wallet, it got lost and her identity
11:26
Speaker 4: was stolen. And the way she found out was that
11:30
Speaker 4: a policeman emailed her dad and asked for a photo
11:34
Speaker 4: of her to verify that she wasn't the person that
11:38
Speaker 4: was currently suspected of, you know, doing all of these
11:41
Speaker 4: naughty things.
11:41
Speaker 5: Oh my good watch that exactly.
11:43
Speaker 1: That sounds like a scam. And I was just like,
11:46
Speaker 1: what on earth?
11:47
Speaker 4: And she's like, no, that legitimately happened. And she was
11:49
Speaker 4: an adult when this happened. Why are you getting my
11:52
Speaker 4: dad involved? Her dad genuinely thought it was a scam
11:55
Speaker 4: and had to call the cops, and turns out it wasn't.
11:57
Speaker 4: They were just communicating with her in a very strange way.
11:59
Speaker 4: But in these times, question everything because to me, if
12:04
Speaker 4: someone in on my dad, what are you?
12:06
Speaker 1: Copper did a dabba?
12:07
Speaker 4: I'm telling my dad about some stuff I did. What
12:09
Speaker 4: if I don't even have a relationship with my dad,
12:11
Speaker 4: what do you do email him? How did you even
12:13
Speaker 4: find his email address? It's a great point. So, yeah,
12:16
Speaker 4: I guess the point is sometimes they are legit. So
12:18
Speaker 4: if you call in check that whoever the institution is,
12:21
Speaker 4: he's going to say, yeah, actually, we need you to
12:22
Speaker 4: update information to it here, or they're going to say,
12:25
Speaker 4: please don't give anybody information, you're about to lose all
12:27
Speaker 4: your money. I'm so skeptical of places that the times
12:31
Speaker 4: that my bank has called me, which you know happens
12:34
Speaker 4: sometimes I do, like normal banking and business banking. I'm
12:37
Speaker 4: so skeptical that I actually go, hey, can you give
12:40
Speaker 4: me like your number and I'll call you back, And
12:42
Speaker 4: then I google the number, validate the number, and then
12:45
Speaker 4: I call them back. Sorry, I just you know, have
12:47
Speaker 4: had too many times where this has happened, and I
12:49
Speaker 4: know that that's a bit of like work around, but
12:52
Speaker 4: people these days are so smart they can actually call
12:55
Speaker 4: you through numbers that are not their numbers, and just
12:57
Speaker 4: I don't want to be stooged. I don't want to
12:59
Speaker 4: be in a situation like your friend where I'm missing
13:02
Speaker 4: a whole heap of cash when I could have just
13:03
Speaker 4: googled a number and kept myself safe. Yeah, one thousand percent.
13:07
Speaker 4: What else is on your list to keep us safe?
13:09
Speaker 4: The last two things I would say is obviously be
13:12
Speaker 4: on the lookout for those suspicious emails, but then keep
13:14
Speaker 4: a really close watch on your bank account for any
13:16
Speaker 4: unauthorized transactions. It's really really common these days. I don't
13:21
Speaker 4: experience this, Jess. I know how many times a day
13:24
Speaker 4: you log into your bank account, so you're all over
13:26
Speaker 4: this too. But do you know there are heaps of
13:28
Speaker 4: people in our community who are like, eh, I don't
13:30
Speaker 4: really check my bank I don't check my statements. I
13:33
Speaker 4: am crazy, like I check it all the time. And
13:36
Speaker 4: even with our work accounts. Someone's like, Jess, what's this
13:38
Speaker 4: And you're like, babe, I went to Spotlight and I
13:40
Speaker 4: got Christmas decorations.
13:41
Speaker 5: I'm like, oh, that.
13:42
Speaker 4: Makes sense, that's nice, Like it just seemed like a
13:44
Speaker 4: really random location. And you're like, yes, I got it.
13:46
Speaker 4: While I was driving home. I question everything better safe
13:49
Speaker 4: than sorry. I'm what Christmas decorations?
13:51
Speaker 1: Did you get?
13:51
Speaker 4: Those? Were they cute? Because that's not a scam. But
13:55
Speaker 4: the other thing is you can actually call and request
13:58
Speaker 4: a temporary ban on your credit report to ensure that
14:01
Speaker 4: there are no unauthorized loans or applications made in your name,
14:04
Speaker 4: which I think so many people don't know exist. Because
14:08
Speaker 4: you know how you call your bank, can you freeze
14:09
Speaker 4: your accounts and stuff? You can actually call and get
14:12
Speaker 4: your credit paused so that no one can take a
14:15
Speaker 4: loan out in your name. I mean, you can't even
14:16
Speaker 4: take a loan out in your name. Would definitely be temporary,
14:19
Speaker 4: but just to make sure things are safe and secure. Yeah,
14:21
Speaker 4: which is a really good idea because we've spoken about before.
14:24
Speaker 4: You know, when people take your identity, maybe they don't
14:27
Speaker 4: do something with it right away. Maybe they sit on
14:29
Speaker 4: it for a little bit and then like this money
14:31
Speaker 4: diarist that I had the other week, it took a
14:33
Speaker 4: year before the person who stole her data use it. Yeah. Year,
14:37
Speaker 4: And people are not very nice sometimes, And so if
14:41
Speaker 4: you put that freeze on, it gives you a little
14:42
Speaker 4: bit of protection. I feel like it also kind of
14:44
Speaker 4: gives you a bit of a trail as well, so
14:46
Speaker 4: you can be like, hey, like I took all of
14:48
Speaker 4: the appropriate actions, I did everything right. If something still happens,
14:53
Speaker 4: you know, at least you know that you've taken all
14:55
Speaker 4: the steps, and hopefully, if you have insurance or if
14:57
Speaker 4: it's through a bank or whatever, you'll be able to
14:59
Speaker 4: rec cover whatever you lose. And at least you can
15:01
Speaker 4: show that within your realm of power, you did everything
15:04
Speaker 4: that you could. Yeah, it also gives you a bit
15:06
Speaker 4: of time to get new documentation, like if your passport
15:09
Speaker 4: has been stolen, you can get a new one within
15:11
Speaker 4: that period of time, or you can get a driver's
15:13
Speaker 4: license re issued, or you can get new credit cards.
15:16
Speaker 4: And it just puts you in a position where everything's
15:18
Speaker 4: on hold and you can kind of sort your life out.
15:20
Speaker 4: Yeah all right, So what are some signs of identity
15:23
Speaker 4: thefts that we should be keeping an eye out for?
15:25
Speaker 4: Fake mustaches, good to know, the peloff kind that you
15:27
Speaker 4: toil with your fingers. Yeah, yeah, yeah, yeah, they're really
15:30
Speaker 4: good ones. I also like to wear a sombrero with
15:32
Speaker 4: them for added effect. But if your identity has been stolen,
15:36
Speaker 4: it can take a little while to realize. As I said,
15:39
Speaker 4: it took twelve months before our money dirests stolen information
15:43
Speaker 4: had been used. They literally sat on it and then waited.
15:46
Speaker 4: And I think that that's you know, you lose your wallet,
15:48
Speaker 4: nothing happens, nothing's negative, you loosen up a bit, you're
15:51
Speaker 4: not so worried, and then when it does start happening,
15:53
Speaker 4: it takes you ages to realize because you've stopped checking
15:56
Speaker 4: your bank accounts so regularly, you've stopped looking at your
15:59
Speaker 4: credit application. Why would you it happened more than a
16:02
Speaker 4: year ago, it's not stressful anymore. But any type of
16:05
Speaker 4: unusual bills or charges that you don't recognize appearing on
16:08
Speaker 4: your bank statement. One thing that I would be really
16:12
Speaker 4: careful of is mail that you're expecting to arrive that
16:15
Speaker 4: then either doesn't arrive or it does arrive and it
16:19
Speaker 4: just feels a little bit off. One thing that I
16:21
Speaker 4: have done recently is change all of my mail that
16:25
Speaker 4: gets sent out, so bank statements and like electricity bills
16:28
Speaker 4: all over to email, because I feel like physical is
16:31
Speaker 4: really scary. Our money are is that you haven't listened
16:34
Speaker 4: to yet, Jess. She suspects that the person that stole
16:38
Speaker 4: her identity was swinging past her house to pick up
16:40
Speaker 4: the mail to like finish credit applications and stuff.
16:43
Speaker 1: Wow, so creepy, so weird.
16:46
Speaker 4: The next is that you get calls or texts about
16:48
Speaker 4: products and services that you've never actually used or engaged with.
16:52
Speaker 4: Really strange emails that turn up you in your inbox,
16:54
Speaker 4: and a sudden increase in suspicious phone calls or text
16:57
Speaker 4: messages or even just messages and through social media. So
17:02
Speaker 4: there's lots of different ways, and not all of them
17:04
Speaker 4: are immediately like, hey, Jess, here's a statement for a
17:07
Speaker 4: credit card you never applied for. It might just be
17:10
Speaker 4: really weird phone calls of being like, hey, Jess, you're
17:13
Speaker 4: short on this and you go, no, I'm not.
17:14
Speaker 1: I definitely didn't do that.
17:16
Speaker 4: So let's just this episode might put the fear of
17:19
Speaker 4: God into a lot of people. But I think just
17:21
Speaker 4: being vigilant is the most important thing here. Already, we're
17:24
Speaker 4: going to go to a really quick break and when
17:25
Speaker 4: we come back, we're going to be talking tangible tips.
17:28
Speaker 5: So don't go anywhere, guys.
17:33
Speaker 4: Alrighty, everybody, we are back, and Victoria, I want to
17:36
Speaker 4: know your tips that people can use to help protect
17:39
Speaker 4: themselves and their financial data against attacks. I have a
17:42
Speaker 4: laundry list. I'm excited. Right you're sitting. Are you ready.
17:46
Speaker 4: It's taking me ages to pull together because I wanted
17:48
Speaker 4: it to be as comprehensive and useful as possible, which
17:51
Speaker 4: is why it is so extensive. So if you're not ready,
17:54
Speaker 4: maybe pause, grab a cup of tea and come back.
17:57
Speaker 4: This is the time for you to be live. So
17:59
Speaker 4: first thing first, we are going to regularly check our
18:01
Speaker 4: credit reports. I say this all the time, literally, I'm
18:05
Speaker 4: obsessed with saying it.
18:06
Speaker 1: It can be free.
18:08
Speaker 4: You can even sign up for a free credit monitoring
18:11
Speaker 4: email that will consistently come into your inbox to make
18:13
Speaker 4: sure that you are safe and secure, so that is
18:16
Speaker 4: free and easy to do. Update your devices so cybercriminal
18:20
Speaker 4: hack devices using known weaknesses in our systems or apps
18:23
Speaker 4: means that if you update your security consistently, you're going
18:27
Speaker 4: to fix these weaknesses in your apps so that there
18:29
Speaker 4: won't be as many breaches. I do this personally by
18:32
Speaker 4: making sure that I have automatic updates on my phone
18:35
Speaker 4: so that when my phone is beside my bed charging
18:37
Speaker 4: at night and connected to Wi Fi, it just does
18:39
Speaker 4: it so that I'm not using all of my data.
18:42
Speaker 4: Use the secure password Manager, and there are a lot
18:44
Speaker 4: of them around these days, and these will often tell
18:47
Speaker 4: you if there's been a leak of your data on
18:49
Speaker 4: the dark web, or if your passwords are compromised. And
18:51
Speaker 4: also you don't need to remember any of your passwords
18:54
Speaker 4: with this. They like auto fill, so it feels easier
18:57
Speaker 4: but it's safer. Google did that for me recently. I
18:59
Speaker 4: got an email I was like, ninety seven of your
19:01
Speaker 4: passwords are compromise and I was like, oh my god,
19:04
Speaker 4: what how do you have ninety seven passwords, Jessica, I can't.
19:08
Speaker 1: Even remember the three that all involve my own name.
19:11
Speaker 5: I feel like ninety seven might be a small exaggeration,
19:13
Speaker 5: but it was a lot.
19:14
Speaker 1: I will go with it.
19:15
Speaker 4: The next tip I've got for you is using multi
19:17
Speaker 4: factor authentication. This really annoys our team, jess you can
19:21
Speaker 4: probably agree with this one, but multi factor authentication improves
19:25
Speaker 4: your security by increasing the difficulty for cybercriminals to actually
19:29
Speaker 4: access your files or accounts. So anytime anyone banks in
19:33
Speaker 4: our office or like pays an invoice or does their job,
19:37
Speaker 4: I get a text message.
19:38
Speaker 1: And you need the code.
19:39
Speaker 4: So it's one of those things that for me makes
19:41
Speaker 4: me feel far more secure because I don't want to
19:44
Speaker 4: lose money, but I also don't want to be compromised.
19:47
Speaker 4: I have the same on my email and on my Facebook.
19:50
Speaker 4: I use Google Authenticator and basically I have an app
19:54
Speaker 4: on my phone and it generates one time use codes
19:56
Speaker 4: and when I go to log in, I put my username,
19:59
Speaker 4: my password and then click signing, and then it will
20:01
Speaker 4: go to a second page and be like, what is
20:03
Speaker 4: the code on your authentic heid app? And to me,
20:06
Speaker 4: that one makes me feel a lot more secure. But
20:08
Speaker 4: do I just think it's smart because the more time flies,
20:12
Speaker 4: the more likely you are to be hagged or have
20:15
Speaker 4: someone trying to access your personal information. I just want
20:18
Speaker 4: to make it as hard as possible for them, you know,
20:20
Speaker 4: make them really work for it.
20:21
Speaker 1: Jess.
20:21
Speaker 5: Yeah.
20:22
Speaker 4: The other thing if you don't actually have access to
20:24
Speaker 4: multi factor authentication is use a secure passphrase. So in
20:28
Speaker 4: cases where you can't use multi factor authentication, a secure
20:32
Speaker 4: passphrase can often be the only thing protecting your information
20:35
Speaker 4: and account from criminals, which is kind of scary. Then
20:38
Speaker 4: the next thing, do you do this? I feel like
20:40
Speaker 4: you've got a semi nerdy boyfriends who you might do
20:43
Speaker 4: this to use a VPN. I'm pretty sure we have
20:45
Speaker 4: one hooked up at So. A VPN is a virtual
20:47
Speaker 4: private network. I have one on my phone. I have
20:49
Speaker 4: downloaded it. I actually didn't discover this for my own security, Jess.
20:54
Speaker 4: This is slightly embarrassing. The app I have is called
20:57
Speaker 4: Nord VPM, so you remember like Nord Security. It's like
21:00
Speaker 4: Collgic company. Anyway, I really wanted to watch the Real
21:03
Speaker 4: Housewives of Beverly Hills when I was in New Zealand.
21:06
Speaker 4: Recently it's on Hulu, and that wasn't actually available in
21:10
Speaker 4: New Zealand. So when I was trying to log in
21:11
Speaker 4: and like cast it to the TV because I was
21:13
Speaker 4: obviously having a very exashing holiday watching my favorite show
21:16
Speaker 4: with a glass of wine, it was like, this isn't
21:18
Speaker 4: available in your area. So I was like, oh my gosh,
21:21
Speaker 4: this is going to ruin my entire holiday if I
21:22
Speaker 4: can't watch the show, I'm gonna have to download this app.
21:26
Speaker 4: So did all the googling, worked it out, downloaded Nord VPN,
21:29
Speaker 4: and I could change my location so that anybody on
21:32
Speaker 4: the Internet when they're looking at my IP address don't
21:34
Speaker 4: actually get to see my real IP address, which means
21:37
Speaker 4: one I could watch whatever show I wanted, but two,
21:40
Speaker 4: I'm actually far safer and more secure. And now that's
21:42
Speaker 4: how I operate across the board, which I think everybody should.
21:45
Speaker 4: It is a paid app, but I do think it
21:47
Speaker 4: is worth it. The next tip is just to please
21:51
Speaker 4: be smarter with your social media usage. Tip it's cape
21:55
Speaker 4: personal information off social networks. Honestly terrifying. You told me
22:00
Speaker 4: about this the other day that scammers can actually find
22:03
Speaker 4: out where you leave and work through your posts. Obviously
22:06
Speaker 4: if you're posting your workplace, but Jess, you were telling
22:08
Speaker 4: me that Instagram would actually do you tag the photo
22:11
Speaker 4: and you had automatically turned it off or something.
22:13
Speaker 2: Yeah.
22:13
Speaker 4: So I'm super paranoid about location specifically because Internet safety
22:18
Speaker 4: scares me. And I have my location services on my
22:21
Speaker 4: phone off because I watched this the social socialatum, Yes,
22:24
Speaker 4: the social dilemma something like that. Yeah, I watched it,
22:27
Speaker 4: and I freaked out and turned off all of my locations.
22:29
Speaker 4: She didn't just freak out, She called me and did this.
22:31
Speaker 4: So we have each other on Find my Friends and
22:33
Speaker 4: now I have no friends. It was just a whole thing.
22:36
Speaker 1: Yeah.
22:36
Speaker 4: So Instagram can do it, but even just the photos
22:38
Speaker 4: within your phone do it as well, automatically if you
22:41
Speaker 4: don't turn it off. And so if you were to
22:43
Speaker 4: lose your phone, for example, I have an iPhone. I
22:45
Speaker 4: don't know if Android does this too, but if you
22:47
Speaker 4: lost your phone and you took a photo at home,
22:49
Speaker 4: that could be. I know that if your location services
22:52
Speaker 4: are on and you can talk.
22:53
Speaker 1: Oh my gosh.
22:54
Speaker 4: Actually I know mine are on because when I go
22:57
Speaker 4: to my albums on my phone, it has places, and yeah,
23:00
Speaker 4: I can just zoom in and say, look, eighty four
23:03
Speaker 4: hundred photos.
23:04
Speaker 5: Probably spend a lot of time there.
23:06
Speaker 4: Oh, yes, that's literruly my house. Yeah, so you can
23:10
Speaker 4: turn off if you go into your phone's settings, you can.
23:12
Speaker 5: Turn off oh it's cutee some of those.
23:16
Speaker 4: Yeah, but you can turn off your location settings holistically,
23:19
Speaker 4: or you can turn it off for specific apps as well.
23:22
Speaker 4: But yeah, you have to think a little bit bigger
23:25
Speaker 4: picture because you go, oh, I just won't post my
23:27
Speaker 4: front door, like I won't tag my local suburb. But
23:30
Speaker 4: even it's showing your local coffee shop, the DS, you know,
23:34
Speaker 4: or all of these little things that if someone is
23:36
Speaker 4: really paying attention, they can put together a pretty good
23:39
Speaker 4: picture of where you're spending time.
23:40
Speaker 5: On what you're doing.
23:41
Speaker 4: So it's just being super conscious about what you're putting
23:44
Speaker 4: out there because you don't know who's watching. And I
23:46
Speaker 4: think people try to be really sneaky about this. This
23:49
Speaker 4: is something I see in our community all the time.
23:51
Speaker 4: And if you're comfortable with that, keep doing it. I
23:53
Speaker 4: never would do it, though, And that's posting a picture
23:56
Speaker 4: of you putting your souled sticker up on the house
23:59
Speaker 4: that you just purchase.
24:00
Speaker 5: I have strong feelings about this, do.
24:02
Speaker 1: You as well?
24:03
Speaker 4: Yeah?
24:03
Speaker 5: Because I used to work in real estate. Do you
24:04
Speaker 5: know how easy it is?
24:05
Speaker 4: Like the amount of people that I went to high
24:07
Speaker 4: school with that have bought houses post a photo. I've
24:09
Speaker 4: been like, well, I want to know what that house
24:10
Speaker 4: looks like, sad I founded in about five minutes.
24:13
Speaker 1: Yeah, it's not even hard. And I'm a creep as well.
24:16
Speaker 4: Like there have been influencers who have posted their sold
24:20
Speaker 4: thing and they think that they're being really smart because
24:23
Speaker 4: they like white out the real estate agent's number and
24:26
Speaker 4: like what it is, but they leave up the description. Mate,
24:29
Speaker 4: I can just google that it's going to come up.
24:31
Speaker 4: And also even if you like rub out who it is, like,
24:35
Speaker 4: this is outing me as an absolute creep. But like,
24:38
Speaker 4: I know yellow is ray White. Yeah, like I know
24:40
Speaker 4: what real estate agent you have gone through, and therefore
24:43
Speaker 4: I'm very likely to find it on the ray White
24:46
Speaker 4: website under recently sold. I'm just going to scroll through
24:49
Speaker 4: and be like, that's probably it because the picture will
24:52
Speaker 4: stay up anyway. I just think that that is compromising
24:54
Speaker 4: your privacy. Steve and I when we bought our house,
24:58
Speaker 4: You'll remember this, Jess, we just got to picture outside
25:00
Speaker 4: the house, like in an area of the house that
25:03
Speaker 4: you absolutely cannot see from Mill Street and we used
25:06
Speaker 4: a sold sticker not from the same company that we
25:09
Speaker 4: bought the house from. Because I was just like, one,
25:12
Speaker 4: I have a lot of real estate friends around. I
25:13
Speaker 4: was basically like, can I have a sticker because the
25:15
Speaker 4: other one stuck to the board. But two, I was
25:18
Speaker 4: kind of like, oh, can it not be from this
25:19
Speaker 4: particular company, because I just I don't want to compromise
25:22
Speaker 4: my privacy like that. And I mean it is, from
25:25
Speaker 4: my perspective, a little bit hypocritical as well, because I
25:28
Speaker 4: do tag local cafes and I do share a fair
25:31
Speaker 4: bit on social media, like you guys know I'm in
25:33
Speaker 4: and around Melbourne. I just I don't need you knowing
25:35
Speaker 4: my pinpointed location. Yeah, and I think it can be
25:40
Speaker 4: really jarring, but I think we do need to be
25:42
Speaker 4: really aware of that because, as you said, Jess, if
25:44
Speaker 4: you saw someone buy a house, you're gonna google it,
25:46
Speaker 4: especially if you grew up.
25:47
Speaker 1: With them or you knew them.
25:49
Speaker 4: But that's just I guess a wholesome person looking something
25:53
Speaker 4: up you you just don't know who can also look
25:55
Speaker 4: it up, who might not be as kind or as
25:58
Speaker 4: just pervy as you are. Right, Yeah, Look, the next
26:01
Speaker 4: tip I've got for you guys, is back up your
26:04
Speaker 4: devices and set them to regularly auto back up. I
26:08
Speaker 4: say this because you can automatically restore your files in
26:11
Speaker 4: case your device is ever hacked or lost or stolen
26:14
Speaker 4: or damaged. I know, I have so many photos on
26:16
Speaker 4: my phone, Like I am nearly a psychoticist jest when
26:20
Speaker 4: it has to taking photos, But I would be heartbroken
26:22
Speaker 4: if they got lost. And sometimes if your device has
26:25
Speaker 4: been hacked, it just needs to be completely wiped. Like
26:28
Speaker 4: there's no opportunity to take some of the files off
26:31
Speaker 4: because they could be compromised. But if you backed up
26:34
Speaker 4: your phone, basically that device can be destroyed, it's absolutely fine.
26:37
Speaker 4: It could be completely wiped and then you could just
26:39
Speaker 4: restore an older backup that does not have the virus
26:42
Speaker 4: or the hacking on it. The next thing is secure
26:46
Speaker 4: or shred your sensitive documents. Recently we have got our
26:50
Speaker 4: own shredder in the office with a lost shredder.
26:52
Speaker 1: I love the shredder. I love it.
26:54
Speaker 5: I love it.
26:54
Speaker 1: And it's not like an.
26:55
Speaker 4: Old school one where you get the little like you know,
26:58
Speaker 4: the strips of paper open down shred up just be no,
27:01
Speaker 4: it's like confetti really like.
27:03
Speaker 1: Good luck, good luck piecing that together. Friends.
27:06
Speaker 4: Yeah, I feel far safer because someone's always like, what's
27:09
Speaker 4: shredding got to do? If someone wants to steal my
27:11
Speaker 4: bank details, Like I'm really good at puzzles, maybe I
27:14
Speaker 4: would just like put them up on the wall like
27:16
Speaker 4: I'm some kind of like true crime investigator and work
27:19
Speaker 4: out what the letter said. But no chance with my shredder.
27:23
Speaker 4: But I think that you should be shredding literally everything
27:25
Speaker 4: that is not of use to you. So letters from
27:27
Speaker 4: your bank, super fund, or employee details, literally anything that
27:31
Speaker 4: people could use to steal your identity from my perspective,
27:35
Speaker 4: should be shared, save them in a safe location. Something
27:38
Speaker 4: that I do if I think it's really important, Like
27:40
Speaker 4: I got a letter being like, hey, here's your TFN,
27:43
Speaker 4: I take a photo of it, or I use the
27:45
Speaker 4: scanner app and upload it to my emails and file
27:47
Speaker 4: it away so I know I've got a digital copy
27:49
Speaker 4: of it. I don't need the physical copy anymore. I
27:52
Speaker 4: feel like historically I used to just keep those things
27:55
Speaker 4: lying around Denada in this house. The next thing is
27:59
Speaker 4: be really careful with public computers and also public Wi Fi.
28:04
Speaker 4: So if you're using a public computers like for example,
28:07
Speaker 4: at the library, you need to one make sure that
28:10
Speaker 4: you're clearing your Internet history and logging out of every
28:12
Speaker 4: single account, because that's just giving people a ticket to
28:15
Speaker 4: go and read through your emails. Yeah, but two, public
28:19
Speaker 4: wi fi is actually quite dangerous because they're not secured.
28:23
Speaker 4: And if you join a network that a hacker is on,
28:26
Speaker 4: instant connection like you're able to actually instantly connect with them.
28:30
Speaker 4: And there are some devices like Apple has a higher
28:33
Speaker 4: level of security when it comes to this stuff, and
28:35
Speaker 4: it will say do you want to share your information
28:37
Speaker 4: on this network or not when you connect. But to
28:40
Speaker 4: be honest, I really like to not use free WiFi
28:44
Speaker 4: where I can because more often than not, it's just
28:47
Speaker 4: not a good or safe idea. And I mean it's
28:49
Speaker 4: twenty twenty two. You probably have enough data on your phone. Yeah,
28:53
Speaker 4: the Wi fi might be quicker, but it's not often
28:56
Speaker 4: that advisable. You see me do that when we travel
28:59
Speaker 4: because I used to work corporate and there was a
29:02
Speaker 4: breach that occurred because somebody they left their laptop somewhere.
29:07
Speaker 4: I can't remember what it was, but it was like
29:09
Speaker 4: drilled into it. So now whenever I travel, because I
29:12
Speaker 4: travel with my work laptop because we travel for me.
29:14
Speaker 4: But I was literally like, bro, are you signing out
29:16
Speaker 4: of everything so that I can't see it? Because one
29:19
Speaker 4: time I was like, oh, Jess, can I borrow your laptop?
29:21
Speaker 4: And You're like, let me just sign out of everything.
29:23
Speaker 4: I was like, bro, I'm not going to go on
29:25
Speaker 4: your Facebook, and you're like, oh, it's not because no,
29:27
Speaker 4: like you're way smarter than me. It was drilled into us,
29:30
Speaker 4: like anytime I take my laptop outside of the workplace,
29:34
Speaker 4: like even if we're just traveling into state. When we're
29:36
Speaker 4: traveling internationally, I will sign out of my emails, all
29:39
Speaker 4: of my personal platforms, anything that could identify the business.
29:43
Speaker 4: I do the same on my phone as well. And
29:46
Speaker 4: we also when we traveled, we used to have to
29:49
Speaker 4: lock our devices. So like if you went on a holiday,
29:51
Speaker 4: like a personal holiday and you weren't taking your stuff,
29:53
Speaker 4: the company rule was that you had to physically lock
29:56
Speaker 4: your laptop away so that nobody could access or breach
29:59
Speaker 4: anything you were gone. Like it was crazy because they
30:02
Speaker 4: had it happened in the past where some really confidential
30:05
Speaker 4: client information got out because somebody's computer was accessed while
30:10
Speaker 4: they weren't there, and it's really really scary, and so
30:12
Speaker 4: I know that sounds like you.
30:14
Speaker 1: Go, who's going to look out of their Facebook when
30:15
Speaker 1: they travel?
30:17
Speaker 4: You're talking to me, and how many times this year
30:19
Speaker 4: have I left a laptop.
30:20
Speaker 1: On a flight?
30:21
Speaker 4: Literally? Like you, you just don't know. And it's such
30:24
Speaker 4: an easy thing. And if you didn't know, most social
30:28
Speaker 4: networking platforms and like email platforms and stuff, you can
30:31
Speaker 4: log out of them remotely, So if you do lose
30:33
Speaker 4: your laptop, you can go, oh, I'm going to sign
30:36
Speaker 4: out of every device that I'm signed into and it
30:38
Speaker 4: will take it off of everything. Because yeah, you just
30:42
Speaker 4: don't know. And I feel like nowadays everyone is quite
30:45
Speaker 4: savvy with these things. You're, oh, there's a past word
30:47
Speaker 4: on my laptop. No one's going to guess it. It's
30:48
Speaker 4: not like it's my.
30:49
Speaker 1: Birthday, mine's auto field.
30:51
Speaker 4: Go, you just never know. No, we don't do that
30:54
Speaker 4: in this house. No, we're going to change that when
30:56
Speaker 4: we get off of it.
30:57
Speaker 5: So sorry, all right.
30:58
Speaker 4: Well, the last tip I've got in this laundry list
31:00
Speaker 4: of tips is securing your mail. So this is hot
31:04
Speaker 4: tip that I have added because I need to do
31:07
Speaker 4: it right now. There is not a lock on my mailbox.
31:10
Speaker 4: But there should be because we don't want people stealing
31:13
Speaker 4: our mail. And it baffles me that I've never thought
31:15
Speaker 4: of this personally until we decided to do this episode,
31:18
Speaker 4: and I was sitting down being like, what should be
31:20
Speaker 4: on this list? Literally, if you get a new credit card, Jess,
31:24
Speaker 4: where does it get sent?
31:26
Speaker 5: Great? Point to my letterbox?
31:27
Speaker 4: Yeah, how are you protecting that? Yeah?
31:31
Speaker 5: I hadn't thought about that.
31:32
Speaker 1: That's real creepy, isn't it.
31:34
Speaker 4: So? From my perspective, getting a locked mailbox so people
31:36
Speaker 4: can't steal his stuff is a top priority. And the
31:39
Speaker 4: last tip I've got in our laundry list of tips
31:41
Speaker 4: just greachy. Now, we have done a full episode in
31:44
Speaker 4: the past on getting scammed. It's called Scamdalous excellent name.
31:48
Speaker 4: If I do say so, we are genius as just
31:51
Speaker 4: thought of that. Anybody hadn't guessed. So I definitely recommend
31:54
Speaker 4: going back and listening to that episode just to give
31:56
Speaker 4: yourself a refresher on how you can identify scams, what
31:59
Speaker 4: common scams are, things of that nature. That sounds like
32:02
Speaker 4: a very Beyonce style episode, it really does. And the
32:04
Speaker 4: thing I think I would encourage people to really consider
32:07
Speaker 4: is if you receive a communication from somewhere that might
32:10
Speaker 4: seem official. Does it seem like you're being rushed into
32:13
Speaker 4: doing something? Does it seem like you're being pressured into
32:15
Speaker 4: making a change immediately?
32:17
Speaker 1: Scam?
32:17
Speaker 4: I just want you to do it asap instead of like, oh,
32:20
Speaker 4: have you got time to chat and you're like no work,
32:22
Speaker 4: They're like, no worries, I'll call you later.
32:24
Speaker 5: Yeah.
32:24
Speaker 2: No.
32:25
Speaker 4: Credit companies do not want you to make a split
32:28
Speaker 4: second decision because that's a bad decision. Yeah, exactly right.
32:31
Speaker 4: So if you're feeling those things, do the vibe check,
32:33
Speaker 4: call the place, see what's up before we head out
32:36
Speaker 4: the door of v Can you tell me where can
32:38
Speaker 4: people find more resources for help if they do need them?
32:41
Speaker 4: First things first, in our show notes, we will always
32:44
Speaker 4: drop a whole heap of information pertaining to the episode
32:47
Speaker 4: that we are talking about there, so don't worry about
32:49
Speaker 4: writing these down. But for more information on spotting scam messages,
32:53
Speaker 4: you can see the acsc's Detecting Socially Engineered Messages guidance,
32:58
Speaker 4: which is obviously linked in the show notes. And if
33:00
Speaker 4: you're concerned that your identity has been compromised or you
33:03
Speaker 4: feel like you might have been a victim of a scam,
33:06
Speaker 4: contact your bank immediately and call Idcare on one eight
33:10
Speaker 4: hundred five nine five one six zero. And then if
33:13
Speaker 4: your identity has been stolen, you can actually apply for
33:16
Speaker 4: a Commonwealth victim certificate. And if you believe that you
33:20
Speaker 4: are a victim of cyber crime, you need to go
33:22
Speaker 4: to report cyber at cyber dot gov dot au. Jessica,
33:26
Speaker 4: all right, that's a lot. I hope that that was
33:27
Speaker 4: helpful for the people listening. We don't mean to put
33:30
Speaker 4: the fear of God into you, but we've been doing
33:32
Speaker 4: a lot of conversations with these breaches, and like I said,
33:35
Speaker 4: I was a victim to one of them, and I
33:37
Speaker 4: totally get the anxiety, which is why we wanted to
33:39
Speaker 4: do this episode. If you've enjoyed it and you want
33:41
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Speaker 4: fifty thousand people. I cannot tell you how excited I
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33:54
Speaker 4: I have a quarter of a million people in my community.
33:57
Speaker 5: That is absolutely insanity.
33:58
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34:09
Speaker 4: Yeah, it's very cute. If you memes come on over
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34:14
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Speaker 1: You can give stars on Spotify.
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Speaker 5: I think so.
34:24
Speaker 1: I'm going to go and give myself one.
34:25
Speaker 5: Oh my gosh, all right, let's go. I appreciate you.
34:27
Speaker 5: See you next week, guys.
34:28
Speaker 4: High The advice shared on She's on the Money is
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