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How They Went From Paycheck-to-Paycheck to Proud Homeowner · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
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  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it. She's on the Money.
• 0:36
  Speaker 3: She's on the Money.
• 0:57
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 2: that lets you be pervy about other people's money habits
• 1:03
  Speaker 2: for educational purposes of course. Welcome back to another one
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  Speaker 2: of our money diaries where I get the absolute pleasure
• 1:09
  Speaker 2: of jumping in and chatting to one of our incredible
• 1:11
  Speaker 2: She's on the Money community members all about their journey.
• 1:15
  Speaker 2: Let's jump straight into it, because this week I got
• 1:17
  Speaker 2: a message and it sounded exactly like this. Hi, She's
• 1:20
  Speaker 2: on the Money. I used to be a bit of
• 1:22
  Speaker 2: a hot mess student loans a car loan and barely
• 1:26
  Speaker 2: making it from paycheck to paycheck. But I was single
• 1:29
  Speaker 2: and never really had to think about a rainy day.
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  Speaker 2: Then I met my partner and everything changed. Suddenly. We
• 1:35
  Speaker 2: were talking about the future, buying a house, planning a wedding,
• 1:38
  Speaker 2: maybe even adopting a child. But those dreams come with
• 1:42
  Speaker 2: a big price tag, and we had some bad money
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  Speaker 2: habits to break. That's when I started listening to She's
• 1:48
  Speaker 2: on the Money. We're now engaged settling into our first
• 1:51
  Speaker 2: home and adjusting to the reality of budgeting with a mortgage.
• 1:55
  Speaker 2: Money diarist, I'm so excited about this. You're like, well
• 1:59
  Speaker 2: on the way from being a financial hot mess to
• 2:03
  Speaker 2: like having had a very good glow up. Are you
• 2:06
  Speaker 2: excited to do a money dough.
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  Speaker 4: I'm so pumped. I'm so excited.
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  Speaker 2: I am more excited money doves. Before we get there,
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  Speaker 2: I need to know what grade would you give your
• 2:15
  Speaker 2: money habits if I asked you to give them a
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  Speaker 2: grade from A through to F.
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  Speaker 4: I'm going to go like B minus.
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  Speaker 2: I think a B minus. All right, let's learn more
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  Speaker 2: about it, so let's jump straight into it. My favorite
• 2:27
  Speaker 2: question of all time, money, Darris, can you tell me
• 2:29
  Speaker 2: a little bit more about your money story.
• 2:31
  Speaker 4: Yeah. Absolutely. So grew up in Victoria, a standard family,
• 2:37
  Speaker 4: three children, two parents, very much middle class, but financial
• 2:42
  Speaker 4: literacy wasn't really anything that was taught. Like money was
• 2:46
  Speaker 4: just like I think, you know, like, yeah, I didn't
• 2:48
  Speaker 4: really have much financial literacy. Also, like culturally, men pay
• 2:53
  Speaker 4: for everything, that kind of mindset. You must work hard,
• 2:57
  Speaker 4: you know, you must provide for the family, that kind
• 2:59
  Speaker 4: of thing.
• 3:00
  Speaker 2: Did you have that dynamic with your parents? Like was
• 3:02
  Speaker 2: your mama's stay at home mum?
• 3:03
  Speaker 4: Yeah, like mom, like she had jobs here and there,
• 3:05
  Speaker 4: but she was primarily a home maker, and then she
• 3:09
  Speaker 4: had her own career for a very probably about five
• 3:11
  Speaker 4: or six years, and then she started doing dad's accounts.
• 3:13
  Speaker 4: So she now works for dad or you know, supports
• 3:16
  Speaker 4: the family business.
• 3:17
  Speaker 2: Yeah, I love that. How exciting. So tell me a
• 3:20
  Speaker 2: bit more like it. Financially, tricy wasn't really talked about,
• 3:23
  Speaker 2: but it was kind of like an ingrained thing where
• 3:25
  Speaker 2: it was just like a give and like the men
• 3:27
  Speaker 2: provide and the women kind of do the homemaking stuff
• 3:29
  Speaker 2: but can do some stuff on the side, but it's
• 3:31
  Speaker 2: never the predominant.
• 3:32
  Speaker 4: Literally, So it was never like this is how your budget,
• 3:36
  Speaker 4: This is how we saved money by. It was work
• 3:39
  Speaker 4: paycheck spend, work paycheck spend. Like that's so yeah, there
• 3:43
  Speaker 4: wasn't a lot of financial discussions. Like I couldn't have
• 3:47
  Speaker 4: told you how much my parents earned when I was
• 3:48
  Speaker 4: growing up. I don't know if my parents invested. I
• 3:51
  Speaker 4: don't know who they banked with, Like like I couldn't.
• 3:54
  Speaker 4: I couldn't tell you. My dad is a big cash
• 3:57
  Speaker 4: is king guy. I don't think he actually knows his
• 3:59
  Speaker 4: pin to his card. I've got it saved in my phone.
• 4:03
  Speaker 2: I love this. How does that even happen?
• 4:06
  Speaker 4: I just I don't know. I just I ask him,
• 4:09
  Speaker 4: and it frustrates me, Like I think Mum takes care
• 4:12
  Speaker 4: of like the digital money, and dad takes care of
• 4:14
  Speaker 4: like the physical money.
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  Speaker 2: Yep, fair fair And is that because he and obviously
• 4:18
  Speaker 2: this is anonymous to like kind of money when is
• 4:20
  Speaker 2: that because he gets paid sometimes in cash? Or is
• 4:23
  Speaker 2: that because mum takes cash out for him? Or like
• 4:25
  Speaker 2: how does he get hold of the fifties?
• 4:27
  Speaker 4: Colum a columbe Yeah, yeah.
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  Speaker 2: Yeah, okay, okay, cash is definitely king. Yeah, I love it.
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  Speaker 2: And is that just like what type of work is
• 4:34
  Speaker 2: he doing? Is he like trades?
• 4:35
  Speaker 4: Yeah, he's a trade Yeah yeah.
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  Speaker 2: Yeah, yeah cool. I kind of love that, Like I
• 4:40
  Speaker 2: know that that's like, you know, not ideal, but who
• 4:42
  Speaker 2: am I to judge? Like cash is king. He probably
• 4:45
  Speaker 2: always has like a role in his pocket or something.
• 4:47
  Speaker 2: Is that the experience you had when you were growing up?
• 4:50
  Speaker 4: Yeah? It was like Dad was like just like the ATM,
• 4:52
  Speaker 4: like when we're like in teenage years and like we
• 4:55
  Speaker 4: didn't have money to go out, but would be like,
• 4:57
  Speaker 4: you know, hey, Dad, like can you stop me a
• 4:59
  Speaker 4: couple hun and he just like whipped out.
• 5:01
  Speaker 2: I'm like, oh, oh what, that's crazy. There's no way
• 5:04
  Speaker 2: if I asked my parents to spot me even one
• 5:07
  Speaker 2: hundred bucks, they would have been in the position to
• 5:09
  Speaker 2: do that. So when you said, and I'm just trying
• 5:12
  Speaker 2: to like pry because it's so pervy, when you said,
• 5:15
  Speaker 2: like we didn't grow up with a lot of financial literacy,
• 5:17
  Speaker 2: I'm kind of picking up that that wasn't because you
• 5:20
  Speaker 2: didn't have money. You kind of grew up and everything
• 5:22
  Speaker 2: was like paycheck to paycheck, but like there was cash.
• 5:26
  Speaker 2: It wasn't as though, oh paycheck to paycheck, we have
• 5:28
  Speaker 2: to eat noodles. And we have nothing. Sorry kids? Is
• 5:30
  Speaker 2: that the vibe?
• 5:31
  Speaker 4: Yeah? No, we weren't impoverished, Like no, not at all,
• 5:33
  Speaker 4: Like we middle class family, Like we were solid. We
• 5:37
  Speaker 4: all got jobs at fourteen, like that was a big thing.
• 5:39
  Speaker 4: Like my parents have ingrained a sensational, if not probably
• 5:43
  Speaker 4: too much of a work ethic into all three of us.
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  Speaker 4: Our life wasn't about money. It was about hard work.
• 5:48
  Speaker 4: And that's like the European thing, Like that's how my
• 5:51
  Speaker 4: father was raised and that's how he's raised his children.
• 5:54
  Speaker 4: You know, life's not about money, it's about working hard
• 5:56
  Speaker 4: and doing the right thing.
• 5:57
  Speaker 2: I like that. I feel like that's really wholesome. So
• 6:00
  Speaker 2: and it reminds me that like when I was fourteen
• 6:02
  Speaker 2: years and nine months, my mom was literally like, you
• 6:04
  Speaker 2: have to get a job. And then I was working
• 6:07
  Speaker 2: my first job and I was a little cafe and
• 6:10
  Speaker 2: it was all fine and well and dandy. And then
• 6:12
  Speaker 2: my best friend lived into state and she came over
• 6:14
  Speaker 2: for the school holidays to spend some time with me,
• 6:17
  Speaker 2: and my mom was like, oh, you don't have a job.
• 6:19
  Speaker 2: You should get a job while you're here in Victoria.
• 6:21
  Speaker 2: And I was just like, mom, like, you can't do that.
• 6:25
  Speaker 2: So yeah, that's probably where my work ethic came from,
• 6:28
  Speaker 2: because like, not working wasn't an option.
• 6:31
  Speaker 4: Literally, like I'd liked to be that person that can
• 6:33
  Speaker 4: sit there and like reading Crochet twenty four to seven,
• 6:36
  Speaker 4: or like, you know, I love gardening, but I can't
• 6:37
  Speaker 4: do it all day. I need to work. I need
• 6:40
  Speaker 4: to be mentally stimulated.
• 6:41
  Speaker 2: Yeah, I fully understand that. So tell me what happens
• 6:45
  Speaker 2: for the kid whose dad was able to spot him
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  Speaker 2: a couple of hundred bucks when he turns eighteen and
• 6:49
  Speaker 2: then goes out into the world on his own, Like,
• 6:51
  Speaker 2: what does that money story look like?
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  Speaker 4: Awful?
• 6:55
  Speaker 2: Thanks dad?
• 6:57
  Speaker 4: No, it was like it was like a double one
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  Speaker 4: ny because I went to university not in my hometown,
• 7:03
  Speaker 4: so I had to, like at nearly eighteen and a
• 7:05
  Speaker 4: half when I finished year twelve, I had to move
• 7:08
  Speaker 4: out of home, Like I had to go into student accommodation,
• 7:11
  Speaker 4: and I couldn't work my regular job that I had
• 7:14
  Speaker 4: been working. I also had to like pay for food
• 7:17
  Speaker 4: and pay for laundry detergent.
• 7:19
  Speaker 2: What's that about? Why is laundry detergent so expensive? Still?
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  Speaker 4: Literally, so that really like threw me. But I'm also
• 7:27
  Speaker 4: like a massive extrovert. Well not so much now, but
• 7:29
  Speaker 4: I used to be, and I used to love going out,
• 7:31
  Speaker 4: and I used to love partying, and I love being social.
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  Speaker 4: So I'd always somehow make it work. I'd always somehow
• 7:37
  Speaker 4: have money for drinks, taxi and cigarettes.
• 7:39
  Speaker 2: But then, like, I feel like you and I have
• 7:41
  Speaker 2: very similar money stories, like like in terms of growing
• 7:44
  Speaker 2: up great middle class, but then also like going off
• 7:47
  Speaker 2: to university at eighteen and being like, what do you
• 7:49
  Speaker 2: mean laundry deterreg is that much? What do you mean
• 7:51
  Speaker 2: I have to buy dishwashing liquid? Like what the heck?
• 7:55
  Speaker 2: Olive oil absolutely not? Are you rich?
• 7:57
  Speaker 4: You at thirty? Olive oil? Absolutely nott.
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  Speaker 2: Like I'm grateful to be in a position where I
• 8:02
  Speaker 2: can afford it now, but I still have those money
• 8:04
  Speaker 2: habits in the back of my head, like when I
• 8:06
  Speaker 2: go to literally I'm standing in Stupermarket looking at the
• 8:08
  Speaker 2: olive oil and I'm like, what the heck, Like that's
• 8:12
  Speaker 2: absolutely insane.
• 8:13
  Speaker 4: It's cooked. But I got clever, so I couldn't find
• 8:17
  Speaker 4: secure work up there, Like it was very transient. It's
• 8:21
  Speaker 4: student accommodation, so it's very competitive. So I was working
• 8:25
  Speaker 4: at a bar back in Melbourne, so I would travel
• 8:29
  Speaker 4: at night or on weekends and go work in the bar,
• 8:31
  Speaker 4: but I'd also drop off my Washington mum and dad's place,
• 8:34
  Speaker 4: and I would leave on the Sunday to come back
• 8:37
  Speaker 4: to Uni with like a boot full of groceries fresh
• 8:40
  Speaker 4: fruit in Uni. Who can afford that berries? Oh?
• 8:43
  Speaker 2: Absolutely not, absolutely not. We were living our best megurag
• 8:46
  Speaker 2: life so like where my.
• 8:47
  Speaker 4: Parents couldn't really spot me a lot of cash, like
• 8:49
  Speaker 4: to support my rent, but they would do my washing,
• 8:51
  Speaker 4: they give me food like they would, you know, they.
• 8:54
  Speaker 2: Were great like that, very wholesome. Yeah, I love that,
• 8:57
  Speaker 2: And I feel like that's your talking about that with
• 9:00
  Speaker 2: such joy as well, Like I can see you smiling,
• 9:02
  Speaker 2: thing like those were the good years, Like we had
• 9:04
  Speaker 2: a lot of fun. But then you said a little
• 9:07
  Speaker 2: bit later you ended up being a little bit of
• 9:09
  Speaker 2: a hot mess talk to me about student loans and
• 9:12
  Speaker 2: your car loan and then you know, not really being
• 9:15
  Speaker 2: that savvy with money.
• 9:17
  Speaker 4: So like I make good money, like I do, like
• 9:20
  Speaker 4: I but I was single. I either had like my
• 9:23
  Speaker 4: own apartment or I was in a sharehouse. I never
• 9:26
  Speaker 4: had intentions of buying a house. I didn't It wasn't
• 9:28
  Speaker 4: for me. I was a single guy. I wanted to travel.
• 9:31
  Speaker 4: I wanted to go see all the shows. I wanted
• 9:33
  Speaker 4: to do all the fun things. And that created like
• 9:36
  Speaker 4: a habit of spending, like no worries, I've got it,
• 9:39
  Speaker 4: and like I'm also very generous, I guess, so like, now, girl,
• 9:43
  Speaker 4: don't worry, I'll spot you like all that jazz, and
• 9:45
  Speaker 4: I don't regret it. But yeah, I got to like
• 9:48
  Speaker 4: twenty six, twenty seven, twenty eight, I was like in
• 9:51
  Speaker 4: my late twenties and I was going to move to
• 9:53
  Speaker 4: the UK in twelve months. I was going to go
• 9:56
  Speaker 4: do that, live my best life over there. And then
• 10:00
  Speaker 4: one night I met my now fiance.
• 10:02
  Speaker 2: Oh, tell me how did you meet?
• 10:04
  Speaker 4: We met online?
• 10:06
  Speaker 2: Yeah, I mean I met my husband on Tinder. Like
• 10:08
  Speaker 2: I used to be shy about that, and now I'm
• 10:10
  Speaker 2: like that was such.
• 10:11
  Speaker 4: A win badge of wanna. We're like at one percent.
• 10:13
  Speaker 2: One hundred percent and now I'm married to him. So
• 10:15
  Speaker 2: tell me how that didn't work out?
• 10:17
  Speaker 4: Correct? No, we met online and then I went out
• 10:19
  Speaker 4: one night for work drinks being that hot mess that
• 10:22
  Speaker 4: I was drank too much, and then I called him
• 10:24
  Speaker 4: and asked him to pick me up because I couldn't look.
• 10:26
  Speaker 2: Nice and he was like absolutely future husband.
• 10:29
  Speaker 4: Yes. And then from there like things changed, like that's
• 10:33
  Speaker 4: saying like you know, you know when you meet the
• 10:35
  Speaker 4: right person, so true. So within like three or four weeks,
• 10:39
  Speaker 4: I was like, oh, this is like serious, this is legit.
• 10:42
  Speaker 2: Yeah, isn't it crazy? And like you were planning on
• 10:45
  Speaker 2: moving to the UK? So did that just go out
• 10:46
  Speaker 2: the window? Like what did you do? Had you booked anything,
• 10:49
  Speaker 2: organized anything?
• 10:50
  Speaker 4: I had gone to three or four information sessions about
• 10:53
  Speaker 4: working in the UK and the visas and getting sponsored
• 10:56
  Speaker 4: and all that, and I had a little little nest
• 10:59
  Speaker 4: egg to pay for my v up and then yeah,
• 11:02
  Speaker 4: so I met my partner and then my lease was
• 11:05
  Speaker 4: up in December, so six months later, so we had
• 11:08
  Speaker 4: to have that conversation like am I resigning my lease?
• 11:10
  Speaker 2: Are we after six months? You definitely knew, didn't you?
• 11:14
  Speaker 4: I did, And like, so we're spending pretty much every
• 11:16
  Speaker 4: night together anyway. So then we decided he was in
• 11:19
  Speaker 4: a sharehouse. He had a little bit left on his lease,
• 11:21
  Speaker 4: so we decided we'd go for a trial period while
• 11:23
  Speaker 4: his lease was going to run out. So I jumped
• 11:26
  Speaker 4: in with him and then everything changed, like it all.
• 11:30
  Speaker 4: You know, we were a unit. We had duel income
• 11:33
  Speaker 4: for the one household. We back then we were both
• 11:36
  Speaker 4: working full time, so we had like a lot of
• 11:37
  Speaker 4: income for one household. So we yet did all that,
• 11:41
  Speaker 4: and then he decided to go back and study, and
• 11:43
  Speaker 4: I really encouraged him to go get his degree. He'd
• 11:45
  Speaker 4: always One of the first things he said to me
• 11:47
  Speaker 4: was he wanted to get his degree. And I said, well,
• 11:50
  Speaker 4: I make okay money, we can do it. Now's the
• 11:53
  Speaker 4: time to do it, because if we can't do it
• 11:55
  Speaker 4: in five years time.
• 11:55
  Speaker 2: If we have a mortgage, yeah, one hundred percent, Like
• 11:57
  Speaker 2: everything's just a lot tighter when that mortgage had to
• 12:00
  Speaker 2: be paid every single month. That was smart move from you.
• 12:03
  Speaker 2: So was that like a loss of who you were?
• 12:06
  Speaker 2: Or was that like a glow up? I mean moving
• 12:09
  Speaker 2: to the UK obviously really cool. I feel like that's
• 12:11
  Speaker 2: something I absolutely would have done had I not met
• 12:13
  Speaker 2: my partner, because I feel like being a little bit extroverted,
• 12:17
  Speaker 2: like wanting to see the world, Like I don't know,
• 12:19
  Speaker 2: we all romanticize this idea that we can move to
• 12:21
  Speaker 2: London basically and then travel on the weekends, right, Like
• 12:24
  Speaker 2: you could totally do a long weekend in France, Like
• 12:27
  Speaker 2: that's so easy, but now everything's changed. Was that an
• 12:32
  Speaker 2: exciting change? Like, obviously we're obsessed with this person. We
• 12:35
  Speaker 2: want to spend our life with them. We don't want
• 12:36
  Speaker 2: to change that. But did you ever feel like, oh,
• 12:39
  Speaker 2: I'm not going to be able to achieve that or
• 12:40
  Speaker 2: do that, or was that just a I don't even
• 12:43
  Speaker 2: care anymore? That was just filling time while I was
• 12:45
  Speaker 2: waiting for my person to come along.
• 12:47
  Speaker 4: It was fifty to fifty. I think meeting my partner
• 12:50
  Speaker 4: and this is going to get really sappy, But meeting
• 12:51
  Speaker 4: my partner really healed a part of me, a teenage
• 12:54
  Speaker 4: part of me. Growing up gay in a Catholic school
• 12:57
  Speaker 4: is hard and dating is absolute not nice people for
• 13:01
  Speaker 4: your twenties, Like it's your twenties, that's what you're meant
• 13:03
  Speaker 4: to do.
• 13:04
  Speaker 2: But like, but dating as a woman trash dating is
• 13:07
  Speaker 2: a gay man with all of my gay friends, Like
• 13:10
  Speaker 2: I haven't done it, but like it looks even worse,
• 13:13
  Speaker 2: Like it looks even trashier.
• 13:14
  Speaker 4: It's so awful.
• 13:16
  Speaker 2: It's like the dregs of the Internet come out, and
• 13:19
  Speaker 2: I just I'm shook that you stuck with it. But
• 13:21
  Speaker 2: I'm glad you found a good one.
• 13:23
  Speaker 4: Literally, so you know, it was that kind of thing, like, Okay,
• 13:26
  Speaker 4: my life is changing, but it's changing for the better.
• 13:29
  Speaker 4: Like I have got my perfect match. I've got someone
• 13:32
  Speaker 4: that challenges me, loves me unconditionally. I've got someone to
• 13:35
  Speaker 4: share the good things with. You know, I've got a
• 13:39
  Speaker 4: family now, like I've got my family now.
• 13:41
  Speaker 2: You know what I mean, You're building it yourself, which
• 13:43
  Speaker 2: is so exciting. Tell me a bit more because I'm
• 13:46
  Speaker 2: picking up so you were saying before, like you know,
• 13:48
  Speaker 2: my dad's European, he's got the Cashanese pocket, like he
• 13:52
  Speaker 2: wanted to help us out wherever he could. You know,
• 13:54
  Speaker 2: he works as a trade I'm picking up some traditional
• 13:57
  Speaker 2: vibes and that's you know, a good and a bad thing.
• 14:00
  Speaker 2: But then you said, growing up as a gay man
• 14:02
  Speaker 2: in a Catholic school system was that something you always knew?
• 14:06
  Speaker 2: Because I feel like sometimes growing up in that system,
• 14:09
  Speaker 2: they're like, oh no, that's not a thing, and you
• 14:11
  Speaker 2: have to spend a lot more time learning who you are, Like,
• 14:14
  Speaker 2: tell me about that journey and living in a relatively traditional,
• 14:17
  Speaker 2: especially European family.
• 14:19
  Speaker 4: Looking hindsight, always knew like please, at the time, though
• 14:25
  Speaker 4: I had no idea. I really was like, you know,
• 14:28
  Speaker 4: everyone else is talking about, you know, how hot so
• 14:30
  Speaker 4: and so is so?
• 14:31
  Speaker 2: So am I oh yeah, yeah, yeah, like and you
• 14:33
  Speaker 2: weren't wrong. She probably was hot, but I don't want
• 14:35
  Speaker 2: to sleep with that.
• 14:37
  Speaker 4: Like I loved how her hair curled at the end,
• 14:38
  Speaker 4: I didn't really love her breasts.
• 14:40
  Speaker 2: You know, you were like that highlighter is so sleigh.
• 14:44
  Speaker 4: Literally like her tan perfect.
• 14:48
  Speaker 2: She smells so good, babe, what is that? I would
• 14:50
  Speaker 2: like to pick it up Britney spears back then, Oh,
• 14:54
  Speaker 2: don't even Britney Smith fan to see. I'm known for.
• 14:56
  Speaker 4: It literally, So yeah, back then I kind of like
• 14:59
  Speaker 4: early on didn't know, and then like after that suppressed
• 15:03
  Speaker 4: it or was like, well I'm bisexual, that's what I
• 15:05
  Speaker 4: wasn't out. That was just internal kind of things. And
• 15:08
  Speaker 4: then yeah, early twenties, really early twenties, I kind of
• 15:12
  Speaker 4: struggled with my mental health a little bit. That was
• 15:14
  Speaker 4: the catalyst, like that was the thing, and yeah, just
• 15:17
  Speaker 4: really liberating. And Mum and dad weren't great with it
• 15:20
  Speaker 4: at the start. But I think meeting my partner and
• 15:24
  Speaker 4: seeing how my life has changed for the better. We've
• 15:27
  Speaker 4: been together for three years three and a half years now,
• 15:29
  Speaker 4: I think that has really brought them along for the journey,
• 15:32
  Speaker 4: like along for the ride.
• 15:33
  Speaker 2: Yeah, And I love that because it makes it real.
• 15:35
  Speaker 2: I feel like, you know, having not gone through this,
• 15:38
  Speaker 2: but like my best friend is gay, and like when
• 15:40
  Speaker 2: she came out as gay, she told me, like she
• 15:42
  Speaker 2: literally flew from Tasmania to tell me, and I was like, baby,
• 15:46
  Speaker 2: the closet was glass, Like are you for real? Like
• 15:49
  Speaker 2: are you for real? Like is this actually news? Okay?
• 15:53
  Speaker 2: But having parents who grew up with that kind of
• 15:55
  Speaker 2: European culture, I think they have all these misconceptions about
• 15:58
  Speaker 2: what that might actually look like. And then then getting
• 16:01
  Speaker 2: to meet your partner, they were like, oh, oh, this
• 16:03
  Speaker 2: is what it's like. He's beautiful. I'd love for him
• 16:06
  Speaker 2: to be part of my family. What are you talking about?
• 16:08
  Speaker 2: And I think that that's just it's so nice that
• 16:11
  Speaker 2: you finally got that, Like it just makes me so
• 16:13
  Speaker 2: happy that that kind of has come full circle. And
• 16:16
  Speaker 2: I mean, I'm glad that you didn't go through a
• 16:18
  Speaker 2: lot of situations that other people do, but like the
• 16:20
  Speaker 2: mental health stuff breaks my heart because it was just
• 16:23
  Speaker 2: like that's who you were. You didn't need to feel
• 16:25
  Speaker 2: bad about it.
• 16:26
  Speaker 4: Literally it was. It's wild how much society has changed
• 16:29
  Speaker 4: in such a short amount of time. And you think,
• 16:32
  Speaker 4: if you look at like the last fifty years, whoa, whoa.
• 16:37
  Speaker 4: So like, I'm blessed. I'm so lucky that I grew
• 16:40
  Speaker 4: up in like I was born in the nineties. I'm
• 16:42
  Speaker 4: so lucky that I was born in the nineties, not
• 16:43
  Speaker 4: born in the seventies.
• 16:44
  Speaker 2: Oh, one hundred percent. One hundred percent. And I mean,
• 16:47
  Speaker 2: it doesn't mean that it was a perfect ride, but
• 16:49
  Speaker 2: it was far easier than what it could have been. Absolutely,
• 16:52
  Speaker 2: And I mean we've come in leaps and bounds, But
• 16:55
  Speaker 2: I actually would love to get your take. Obviously, Trump
• 16:58
  Speaker 2: has just been inaugurated as the President of America, and like,
• 17:02
  Speaker 2: I feel like you and I are on the same page,
• 17:04
  Speaker 2: so we probably have the same colorful I don't know
• 17:07
  Speaker 2: beliefs about this happening. But when he was inaugurated, he
• 17:10
  Speaker 2: obviously signed a bill in to say, you know, we're
• 17:13
  Speaker 2: going to move back to having just two genders, and
• 17:16
  Speaker 2: we're going to you know, suppress the rights of the
• 17:18
  Speaker 2: LGBTQIA plus community. How do you think that that is
• 17:22
  Speaker 2: going to ripple effect into our society because obviously America
• 17:26
  Speaker 2: usually like kind of leads by example and like it
• 17:29
  Speaker 2: filters on because like they're the big dogs, right and
• 17:31
  Speaker 2: I mean technology happens, their first shopping happens, their first
• 17:34
  Speaker 2: fashion happens, their first like and I'm not trying to
• 17:37
  Speaker 2: distill it down to be as I guess candid as that,
• 17:40
  Speaker 2: but like, if that's the way things go for those areas,
• 17:44
  Speaker 2: do you think that those types of views are going
• 17:46
  Speaker 2: to filter back into Australia.
• 17:47
  Speaker 4: It gives permission for people to say the rude.
• 17:50
  Speaker 2: Thing, which is gross.
• 17:52
  Speaker 4: Yeah, so it's okay because like I'm doing what the
• 17:55
  Speaker 4: Americans can do, I'm doing what the president can do.
• 17:58
  Speaker 4: You know, I'm allowed to use my voice. And yeah,
• 18:01
  Speaker 4: so I think it's going to get rid of the
• 18:03
  Speaker 4: tolerance that was there. You know, I'm full prepared for
• 18:06
  Speaker 4: it to get rid of the tolerance, and bigotry will
• 18:08
  Speaker 4: come through, I think, because you know, for such a
• 18:11
  Speaker 4: long time, society said, no, it's not okay for you
• 18:13
  Speaker 4: to be rude, it's not okay for you to spread hate,
• 18:15
  Speaker 4: it's not okay you know, if you don't like anyone,
• 18:18
  Speaker 4: if you can't say something. Ice Dant saying anything at all,
• 18:20
  Speaker 4: And now we've got that, that's all. Like, now say
• 18:23
  Speaker 4: what you want, do what you want. They're not human.
• 18:25
  Speaker 2: Yeah, it's breaking my heart at the moment thinking about it,
• 18:28
  Speaker 2: because I had this conversation with a friend the other day.
• 18:31
  Speaker 2: I was like, when did you realize that you were gay?
• 18:33
  Speaker 2: Like when did this happen? Because historically they had dated
• 18:36
  Speaker 2: men like consistently, And I was like, when did that
• 18:39
  Speaker 2: switch happen? Because obviously I'm not privy to their life
• 18:41
  Speaker 2: like in that way. She was like, do you know
• 18:43
  Speaker 2: what it was? It was when gay marriage was legalized
• 18:47
  Speaker 2: in Australia and I realized that was an option, and
• 18:50
  Speaker 2: I went, hold on before that it was illegal, and
• 18:53
  Speaker 2: I came from a very small town, and you know
• 18:55
  Speaker 2: you kind of go, oh, maybe I'm playing around with
• 18:57
  Speaker 2: this for a little while, and like it's not very
• 18:59
  Speaker 2: serious because at the end of the day, I couldn't
• 19:01
  Speaker 2: ever marry someone and have a family with them, so like,
• 19:03
  Speaker 2: maybe I'll quite grow up one day. And then it
• 19:05
  Speaker 2: became legal and she went, ah, I can do that. Actually,
• 19:08
  Speaker 2: I'd much prefer that that would be a better outcome.
• 19:11
  Speaker 2: And I just I remember that conversation Obviously that happened
• 19:15
  Speaker 2: a little while ago, but I remember that conversation and
• 19:17
  Speaker 2: going wow, not just the progress of giving you permission
• 19:20
  Speaker 2: if you were already in that situation, like I adore
• 19:22
  Speaker 2: the fact that you can marry your partner and like
• 19:24
  Speaker 2: just do whatever the hell you want to do. But
• 19:27
  Speaker 2: on the flip side, it gave people permission to go, oh,
• 19:30
  Speaker 2: I actually really resonate with that, and now that it's
• 19:32
  Speaker 2: an option, that's the option I'd like to pick. Like
• 19:35
  Speaker 2: that breaks my heart to think that we're going back
• 19:38
  Speaker 2: because people won't be able to resonate with who they
• 19:40
  Speaker 2: truly are, truly, Like, I'm very angry about this at
• 19:43
  Speaker 2: the moment. So let's go back to the money diary,
• 19:47
  Speaker 2: because I want to know. You said before, I make
• 19:49
  Speaker 2: good money. V what is that money? And what do
• 19:52
  Speaker 2: you do for it? Like, what's your job, my friend.
• 19:54
  Speaker 4: I'm a primary school teacher.
• 19:55
  Speaker 2: Of course, you are the kindest of humans.
• 19:58
  Speaker 4: Sorry. I combined income so combined finances, so I often
• 20:02
  Speaker 4: refer to it as like household. So our combined income
• 20:04
  Speaker 4: is one hundred and forty five a year. I make
• 20:07
  Speaker 4: ninety five of that and my partner makes about fifty
• 20:10
  Speaker 4: of that.
• 20:11
  Speaker 2: Very cool. So tell me what does your partner do.
• 20:13
  Speaker 4: He is a kindergarten teacher.
• 20:14
  Speaker 2: Oh my gosh, you're both wholesome humans.
• 20:18
  Speaker 4: Stop her. So he's a sessional kindergarten teacher, so he
• 20:21
  Speaker 4: can only work part time, and then he does casual
• 20:24
  Speaker 4: stuff on the side.
• 20:25
  Speaker 2: I adore that. Tell me a bit more about like
• 20:28
  Speaker 2: big money goals, because obviously you've gotten engaged and you're
• 20:31
  Speaker 2: planning a wedding, all nice ring you guys don't get
• 20:35
  Speaker 2: to see it, but I did. You've bought a house.
• 20:38
  Speaker 2: Tell me about your big money goals because in your
• 20:39
  Speaker 2: money diary you said, like we might even adopt a child. Like,
• 20:42
  Speaker 2: obviously these things are expensive, so expensive.
• 20:46
  Speaker 4: So goal number one is to renovate our house, which
• 20:50
  Speaker 4: is really exciting and it's like a great creative outlet,
• 20:52
  Speaker 4: but it is hell expensive. Goal number two is to
• 20:56
  Speaker 4: get married, whether that is the big beautiful or whether
• 21:00
  Speaker 4: that is a small ceremony and we go traveling for
• 21:02
  Speaker 4: three months afterwards. Either way, it's going to have a
• 21:05
  Speaker 4: big price ticket against it.
• 21:07
  Speaker 2: Yeah, yep, the whole the shebang is very expensive.
• 21:10
  Speaker 4: And then yeah, we would love to be parents one day,
• 21:12
  Speaker 4: but adoption overseas adoption or surrogacy is really really expensive,
• 21:17
  Speaker 4: like six figures, So yeah, that's more of a pipe dream.
• 21:21
  Speaker 2: Oh my gosh, Yeah, yeah, totally. I can ask for
• 21:23
  Speaker 2: permission for me to connect you with the I don't
• 21:26
  Speaker 2: know if you ever listen to the money diary of
• 21:29
  Speaker 2: the only other guy I've actually had on the show.
• 21:32
  Speaker 2: He is now one of my friends and one of
• 21:34
  Speaker 2: the most beautiful human beings. And side note update, they're
• 21:38
  Speaker 2: currently expecting their baby, Oh my goodness, which is so
• 21:43
  Speaker 2: exciting and like, I don't know if I'm going to
• 21:46
  Speaker 2: like I can't share it because I know the gender
• 21:47
  Speaker 2: and like they've been posting about it. But I can
• 21:49
  Speaker 2: ask for mission to introduce the two of you so
• 21:52
  Speaker 2: that you could talk about that journey, because I feel
• 21:53
  Speaker 2: like that amazing. There are so many like obviously you
• 21:56
  Speaker 2: can do your research online, but there's research online, and
• 21:59
  Speaker 2: then there's the reality of the situation and talking to
• 22:02
  Speaker 2: one one. So I will connect you with him, but
• 22:05
  Speaker 2: I think you'll be so excited because they're so far down,
• 22:08
  Speaker 2: like they're currently on their last family holiday before this
• 22:12
  Speaker 2: baby arrives, and like every time they post on social media,
• 22:15
  Speaker 2: I like lose my mind. That's amazing anyway wholesome humans.
• 22:20
  Speaker 2: So obviously that's really expensive. What research have you done
• 22:23
  Speaker 2: into what that could potentially cost you as a family.
• 22:26
  Speaker 4: So a friend of a friend of mine is doing
• 22:28
  Speaker 4: sarrogacy in Argentina, and from the day that they decided
• 22:32
  Speaker 4: let's have a baby to the day that they will
• 22:34
  Speaker 4: eventually hold their child in Australia, it's going to cost
• 22:37
  Speaker 4: them over one hundred and twenty k And jirl, you
• 22:41
  Speaker 4: can't get a mortgage for a child.
• 22:42
  Speaker 2: Like, no, you can't, You truly can't. And I mean,
• 22:45
  Speaker 2: I don't know if i'd want that, Like what do
• 22:47
  Speaker 2: I do? Pay it off? Over time? One hundred and
• 22:50
  Speaker 2: twenty thousand dollars? And like to be real pervy, like
• 22:53
  Speaker 2: is that including things like them traveling to Argentina? And
• 22:57
  Speaker 2: like I'm assuming that in I don't know enough about Argentina,
• 23:00
  Speaker 2: but I'm assuming that they are able to pay their
• 23:02
  Speaker 2: surrogate over there.
• 23:03
  Speaker 4: They are able to pay their sarrogate. But like each
• 23:05
  Speaker 4: ivar found over there is costom them thirty grand So like,
• 23:08
  Speaker 4: oh my god, first one failed, so their projected cost
• 23:11
  Speaker 4: is a lot more now because the first one failed.
• 23:14
  Speaker 4: You know, there's like lots of intricacies, and you know,
• 23:17
  Speaker 4: and in Australia there's no sarrogacy laws. So so many
• 23:21
  Speaker 4: of my beautiful girlfriends have said, of course I'll carry
• 23:24
  Speaker 4: your child, but they always will have parental rights to
• 23:27
  Speaker 4: that child.
• 23:28
  Speaker 2: What.
• 23:29
  Speaker 4: Yeah, there's no sarrogacy laws. There's no sorry c projection
• 23:32
  Speaker 4: like in the US.
• 23:33
  Speaker 2: Right, So this this maybe me being really dumb, and
• 23:36
  Speaker 2: I'm happy to appear dumb because I'm assuming that if
• 23:39
  Speaker 2: I'm asking this question, other people listening are like, oh
• 23:41
  Speaker 2: my god, I didn't realize that either. From my understanding,
• 23:44
  Speaker 2: they would obviously sign up to be your sarygate, but
• 23:48
  Speaker 2: don't the parental rights transfer once the baby is born,
• 23:51
  Speaker 2: like through a similar process like adoption or how does
• 23:54
  Speaker 2: that work in Australia, So you can.
• 23:56
  Speaker 4: Yeah, absolutely right, So like, hypothetically, you carry my child
• 24:00
  Speaker 4: and then we go through the child is born, happy, healthy,
• 24:04
  Speaker 4: and then I would legally adopt that child. But you
• 24:07
  Speaker 4: don't have to give up that child. So you could
• 24:10
  Speaker 4: give birth to you know, our son or daughter and.
• 24:12
  Speaker 2: Go I don't actually want to give you guys this baby.
• 24:15
  Speaker 4: Oh my god, how hard would that be?
• 24:17
  Speaker 2: I can't imagine it. I can't imagine it, like going
• 24:20
  Speaker 2: through that whole journey, like and having you guys be
• 24:23
  Speaker 2: emotionally invested, and you would obviously think the best of
• 24:27
  Speaker 2: your friends that have agreed to this. But that is
• 24:29
  Speaker 2: a risk that I'm not even sure that I would
• 24:31
  Speaker 2: be willing to take. Like I don't think i'd sleep
• 24:34
  Speaker 2: for the entire nine months, you know, and like.
• 24:36
  Speaker 4: What would happen, you know, like the conversations we've had,
• 24:39
  Speaker 4: Like what happens friend, if we decided we want to
• 24:42
  Speaker 4: move overseas Because obviously if my sister or my best
• 24:46
  Speaker 4: friend or all that, if they're carrying my child, they're
• 24:48
  Speaker 4: going to be involved with my child life. But how
• 24:50
  Speaker 4: would you feel if in ten years we pack up
• 24:53
  Speaker 4: and move to Brisbane or we pack up and move
• 24:55
  Speaker 4: to Italy. It's not just as simple as saying yes,
• 24:58
  Speaker 4: I'll carry your child.
• 25:00
  Speaker 2: Yeah wow? And do you think that Obviously there are
• 25:03
  Speaker 2: different laws internationally that mean like if they're a surrogate
• 25:06
  Speaker 2: and biologically that child, you're like, there's no question about that. Fantastic,
• 25:11
  Speaker 2: But would that person still have the same I guess
• 25:15
  Speaker 2: involvement in your child's life or does that become a
• 25:17
  Speaker 2: little bit more transactional and in that way a little
• 25:20
  Speaker 2: bit like we don't have to have this relationship and
• 25:24
  Speaker 2: like get to cut the tires. It's not actually about
• 25:26
  Speaker 2: being kind. It's more about like we would just like
• 25:28
  Speaker 2: to be their parents without any strings attached.
• 25:31
  Speaker 4: I it's going to sound awful. You pay for a service,
• 25:34
  Speaker 4: like you know it's a business deal.
• 25:36
  Speaker 2: Yeah, yep, because like at the end of the day,
• 25:38
  Speaker 2: like I'm assuming the sperm and the egg that you
• 25:41
  Speaker 2: guys would choose are not the surrogates, correct. Wow, And
• 25:45
  Speaker 2: one hundred and twenty thousand dollars is something that you
• 25:48
  Speaker 2: know really limits it, Like it becomes an experience where
• 25:51
  Speaker 2: you're like, okay, cool, maybe we can say this, maybe
• 25:53
  Speaker 2: we get our one hundred and twenty thousand dollars. But
• 25:56
  Speaker 2: is that where you would stop because you're from a
• 25:59
  Speaker 2: family of like do you go, we'd want siblings, we'd
• 26:03
  Speaker 2: want this and that, because that becomes like a half
• 26:05
  Speaker 2: a million dollar exercise at that point.
• 26:07
  Speaker 4: Literally, I think in an ideal world, I'd love to adopt.
• 26:12
  Speaker 4: I think there are so many children out there that
• 26:15
  Speaker 4: need love. I think there are so many children out
• 26:18
  Speaker 4: there that are stuck in the foster system, and I
• 26:20
  Speaker 4: think really that the reality is we will probably adopt
• 26:24
  Speaker 4: or foster. The hard thing is actual adoption is very
• 26:27
  Speaker 4: rare in Australia. You have a long term foster system.
• 26:30
  Speaker 4: What I need does someone drop a beautiful baby on
• 26:33
  Speaker 4: my doorstep? If you need to just drop it there,
• 26:36
  Speaker 4: they'll be.
• 26:36
  Speaker 2: Fine, that'd be fine, that'd be great. And you know what,
• 26:39
  Speaker 2: I want that so much for you, Like you have
• 26:41
  Speaker 2: this warmth that I'm like, you're going to be the
• 26:44
  Speaker 2: best parent. And then when you told me about your partner,
• 26:46
  Speaker 2: I was like, I am assuming same warmth and it
• 26:49
  Speaker 2: was confirmed when you were like, oh, yeah, they're a
• 26:51
  Speaker 2: kindergarten teacher, I was like, of course they are. Like
• 26:53
  Speaker 2: I can't think of two better people to become parents.
• 26:56
  Speaker 2: And the fact that the obstacles are literally working against
• 27:00
  Speaker 2: you or breaks my heart because I'm like, this baby
• 27:04
  Speaker 2: would be so loved and so well looked after. And
• 27:07
  Speaker 2: I mean Grandpa carries cash in his pocket, Like that's
• 27:10
  Speaker 2: a good family to like come into.
• 27:12
  Speaker 4: You know. We are so lucky though, Like between us,
• 27:15
  Speaker 4: we've got eight nieces and nephews, so we've got so
• 27:19
  Speaker 4: many children around us. We're teachers, I work in sport
• 27:23
  Speaker 4: as well casually, like we have kids, we have that
• 27:26
  Speaker 4: the relationship. We just don't have our own, but we
• 27:28
  Speaker 4: are so lucky, like our nieces and nephews range from
• 27:31
  Speaker 4: nine to the last one's due in July, so like
• 27:34
  Speaker 4: we've got a good spectrum. We've got kids everywhere.
• 27:38
  Speaker 2: Oh I love that, and I love your take on it.
• 27:40
  Speaker 2: You just seem so grateful for the situation you're in,
• 27:43
  Speaker 2: even though it's not one hundred percent what you're like, Oh,
• 27:45
  Speaker 2: we love this outcome, but like we're just really happy
• 27:48
  Speaker 2: where we are, And I think that's such a lesson
• 27:50
  Speaker 2: in like if you're not happy with what you already have,
• 27:53
  Speaker 2: more is not going to make it better. Like I just, oh,
• 27:56
  Speaker 2: I adore it. Let's go to a really quick break
• 27:58
  Speaker 2: because on the flip side, I want to talk more
• 27:59
  Speaker 2: about man and learn a little bit more about you know,
• 28:02
  Speaker 2: your debt like Carloan and what your mortgage is currently
• 28:05
  Speaker 2: looking like and getting a little bit more pervy, so guys,
• 28:07
  Speaker 2: don't go anywhere money Diarist. We are back, and this
• 28:14
  Speaker 2: has been an eye opening and beautiful chat. Like I
• 28:16
  Speaker 2: feel like you and I are on the same page
• 28:18
  Speaker 2: and need to be best friends. Though, But before we
• 28:21
  Speaker 2: you know, organize our coffee catchup. Talk to me about investing.
• 28:25
  Speaker 2: Is that something that you and your partner do. Is
• 28:27
  Speaker 2: it something that you're like one day, don't hide, he's
• 28:30
  Speaker 2: pulling his he's pulling his shirt over his face.
• 28:33
  Speaker 4: Yeah. Look, so I think, as it's said in the
• 28:36
  Speaker 4: Money story, with just got our mortgage. We've been living
• 28:38
  Speaker 4: in our house for two months. We are adjusting to
• 28:41
  Speaker 4: hanging a mortgage that.
• 28:42
  Speaker 2: Is elite and do you know what, we can't do
• 28:45
  Speaker 2: everything like, we just can't.
• 28:48
  Speaker 4: No, So it's not the time. I have been starting
• 28:51
  Speaker 4: to do research. I have thought about getting like the
• 28:53
  Speaker 4: shares He's Apple, the Raise app and stuff like that,
• 28:55
  Speaker 4: and I am developing my understanding of it. It's just
• 28:59
  Speaker 4: right now, especially with renovations, it's.
• 29:01
  Speaker 2: Not your time. And that is so fine. My favorite
• 29:05
  Speaker 2: thing about this whole conversation is that you're like, no, no, no,
• 29:07
  Speaker 2: But I'm educating myself, like I'm doing a little bit
• 29:10
  Speaker 2: of research. I'm working out where I should be going
• 29:12
  Speaker 2: and what I should be doing in the future. And
• 29:14
  Speaker 2: I think that there's just this I don't know, dumb
• 29:17
  Speaker 2: amount of pressure to do everything, like you should be investing,
• 29:20
  Speaker 2: you should be saving you should also buy a house
• 29:22
  Speaker 2: or so don't worry, you do need to travel, and
• 29:24
  Speaker 2: also can you afford a really big wedding, Like it's
• 29:27
  Speaker 2: actually astronomical to think about what that would cost. To
• 29:30
  Speaker 2: then also throw into the mix your life values, like
• 29:34
  Speaker 2: I want a kid and to get there that's going
• 29:36
  Speaker 2: to cost one hundred and twenty thousand dollars. Like all
• 29:39
  Speaker 2: of those things mean that it makes sense you're not investing.
• 29:43
  Speaker 2: In fact, if you were like yeah, like I'm aggressively
• 29:45
  Speaker 2: investing and like just absolutely railroading every other goal that
• 29:49
  Speaker 2: I have because like, you know what whatever, I'd be like, sir,
• 29:52
  Speaker 2: what you do?
• 29:52
  Speaker 4: Please pause?
• 29:53
  Speaker 2: Yeah, sit down, sit down.
• 29:56
  Speaker 4: I mean, like we are lucky. Like my stuper is
• 29:59
  Speaker 4: eleven best on top of my salary, so there is that,
• 30:02
  Speaker 4: like there is super growing healthily. I will occasionally drop
• 30:06
  Speaker 4: some extra money into my super.
• 30:08
  Speaker 2: Oh okay, so you are thinking about investing. Do you
• 30:12
  Speaker 2: know how many people don't do that? I would say
• 30:13
  Speaker 2: like ninety nine percent of people aren't dropping a little
• 30:16
  Speaker 2: bit of extra into their super when they think about it.
• 30:19
  Speaker 4: Yeah, it's just like not regular, Like I wouldn't say.
• 30:21
  Speaker 2: Like okay, all right, well it's not regular. It doesn't
• 30:24
  Speaker 2: count like be for real, like you're still prioritizing it.
• 30:28
  Speaker 4: Yeah, it's yeah, it's just like it's the start of
• 30:31
  Speaker 4: the journey. I'm understanding it and things like that. It's
• 30:33
  Speaker 4: just not the right time to start properly.
• 30:35
  Speaker 2: So tell me about debt, because that is something that
• 30:39
  Speaker 2: you've recently come into more significantly, you said before used
• 30:43
  Speaker 2: to have a car loan. Tell me about that. How
• 30:45
  Speaker 2: did you get into a car loan at such a
• 30:47
  Speaker 2: young age?
• 30:48
  Speaker 4: Well, so I was going to buy a house. I
• 30:50
  Speaker 4: was making good money, I was single, I was renting
• 30:54
  Speaker 4: and the thing was affordable, and I was driving a
• 30:56
  Speaker 4: two thousand and five Yaris and I was like, nah,
• 31:01
  Speaker 4: like stuff is like I work really hard. I really do.
• 31:04
  Speaker 2: Also, no shade to a Yarras, Like what a reliable
• 31:07
  Speaker 2: little car.
• 31:08
  Speaker 4: Oh I miss it so much.
• 31:09
  Speaker 2: It would have been cheap to run through.
• 31:11
  Speaker 4: Yeah literally, Okay, anyone listening, do not get a brand
• 31:14
  Speaker 4: new car. No point.
• 31:16
  Speaker 2: And also if you've got a Yarras, treasure hur.
• 31:18
  Speaker 4: Treasure hurt. My dad currently has the Arress, so he's
• 31:21
  Speaker 4: run about car. It's still kicking. H Yeah. So when
• 31:24
  Speaker 4: he has to travel, like you know, an hour to
• 31:27
  Speaker 4: the job site. He doesn't want to take the big truck,
• 31:29
  Speaker 4: He'll just take the arrass.
• 31:30
  Speaker 2: Yeah, because it's cheap and effective and a comfortable car to.
• 31:33
  Speaker 4: City and it can be parked anywhere. Yep.
• 31:36
  Speaker 2: Literally, it fits in a corner.
• 31:38
  Speaker 4: Literally. So then I bought my car. I paid about
• 31:41
  Speaker 4: four grand of it, and then I got finance for
• 31:43
  Speaker 4: about twenty five and then I also had student loans.
• 31:46
  Speaker 2: You have to tell us what did you get, Like yeah, yeah,
• 31:49
  Speaker 2: but like what car did we upgrade to? Like what
• 31:51
  Speaker 2: was going to make you look hot while you were
• 31:53
  Speaker 2: single getting around?
• 31:54
  Speaker 4: I got like a white SUV, like a mom car,
• 31:56
  Speaker 4: but like I'm a.
• 31:56
  Speaker 2: Mom's oh yeah yeah yeah, And I'm just feeling like
• 32:00
  Speaker 2: I had like I don't know, white suv vibes, but
• 32:02
  Speaker 2: then it had like bigger rims or something on it.
• 32:04
  Speaker 2: I'm just feeling that I.
• 32:05
  Speaker 4: Did get the fancy aloys, but I got the pearl
• 32:07
  Speaker 4: finish paint.
• 32:08
  Speaker 2: Yeah yeah, yeah, okay, yeah yeah yeah hote we.
• 32:11
  Speaker 4: Hit up that and then I met my partner. I
• 32:13
  Speaker 4: bought it just out of COVID, So it took me
• 32:15
  Speaker 4: forever to get my car.
• 32:17
  Speaker 2: Oh, and it would have cost you a bomb if
• 32:19
  Speaker 2: you'd got it just out of COVID as well. But
• 32:21
  Speaker 2: that's okay. We live and we learn.
• 32:23
  Speaker 4: That's the tea we live and we learn. So then, yeah,
• 32:25
  Speaker 4: so I was paying off my car loan, which was
• 32:27
  Speaker 4: back then it was about five six hundred a month,
• 32:31
  Speaker 4: and then last gr we moved in with my in
• 32:35
  Speaker 4: laws to be which were very privileged to have that
• 32:38
  Speaker 4: opportunity to say, for a house. And then when we
• 32:42
  Speaker 4: saw our first mortgage broker, he said, this is your
• 32:45
  Speaker 4: borrowing amount, but the car loan is restricting you about
• 32:49
  Speaker 4: seventy thousand dollars or eighty thousand dollars.
• 32:51
  Speaker 2: Isn't it wild how much it restricts? You don't think
• 32:53
  Speaker 2: it is because you were like, okay, cool, Like the
• 32:55
  Speaker 2: car didn't cost me seventy thousand dollars, like, and I
• 32:57
  Speaker 2: don't have that much left on my loan, Like it
• 33:00
  Speaker 2: didn't be that big of a deal. But how much
• 33:02
  Speaker 2: was left on your car loan When he told you
• 33:04
  Speaker 2: that it would restrict you by seventy grand.
• 33:05
  Speaker 4: I'm going to say eighteen very common.
• 33:07
  Speaker 2: I thought you'd say around twenty.
• 33:09
  Speaker 4: Yeah. And then okay, on top of that, we both
• 33:12
  Speaker 4: have student loans, which is taking into account, which is
• 33:16
  Speaker 4: just wild. So we had the three debts that were
• 33:19
  Speaker 4: impacting our burrown capacity. So our broker said, like, obviously
• 33:24
  Speaker 4: speak to other people about this, but I would clear
• 33:27
  Speaker 4: one of the debts if you can, because it wouldn't
• 33:30
  Speaker 4: affect you deposit too much.
• 33:31
  Speaker 2: Yeah, because we can tweak what bank you go with
• 33:34
  Speaker 2: and how much deposit you have, Like we could probably organize, like,
• 33:38
  Speaker 2: you know, a ten percent deposit instead of a twenty
• 33:40
  Speaker 2: percent deposit that's much higher. Like there are so many
• 33:42
  Speaker 2: like levers a mortgage broker can pull and change that.
• 33:46
  Speaker 2: Once you start talking to them, you're like, I didn't
• 33:47
  Speaker 2: even know that was possible. That's a money win.
• 33:50
  Speaker 4: Yeah, So we decided to take a chunking out of
• 33:54
  Speaker 4: a deposit and pay off the car loan because that
• 33:56
  Speaker 4: yielded the highest interest, and then the student loans are.
• 33:59
  Speaker 2: Just sitting they're doing their seme.
• 34:01
  Speaker 4: So yeah, we cleared that before we got the house.
• 34:03
  Speaker 4: So now yeah, now we've just got the student loans
• 34:06
  Speaker 4: and the mortgage.
• 34:06
  Speaker 2: Oh how good. So tell me about this mortgage. That's
• 34:09
  Speaker 2: so exciting that the two of you have gotten into
• 34:11
  Speaker 2: your first home. How much did you buy for and
• 34:15
  Speaker 2: how much is your mortgage.
• 34:16
  Speaker 4: We bought for six hundred and fifteen and we got
• 34:19
  Speaker 4: very very lucky because it needs a fair bitttle work.
• 34:22
  Speaker 4: But I have a family of tradees around me, so
• 34:25
  Speaker 4: we were able to buy fel a lot less than
• 34:28
  Speaker 4: what they wanted and we lowboard them.
• 34:30
  Speaker 2: And one winner.
• 34:32
  Speaker 4: Yeah, and our mortgage is currently sitting at so we've
• 34:34
  Speaker 4: had it for two months. It's currently sitting about five
• 34:37
  Speaker 4: twenty five.
• 34:37
  Speaker 2: Oh okay, how good's that? So what type of deposit
• 34:41
  Speaker 2: did you guys end up putting down and then working around?
• 34:44
  Speaker 2: Because it sounds this is where.
• 34:45
  Speaker 4: Things got a little bit hectic last year.
• 34:48
  Speaker 2: I'm like, you've paid off a fair bit like that's
• 34:50
  Speaker 2: that's looking sexy.
• 34:52
  Speaker 4: So we had there was a policy change with the
• 34:54
  Speaker 4: bank we're going to go with. So initially my broker
• 34:57
  Speaker 4: had this great idea to debt console they get some
• 35:00
  Speaker 4: money aside for the renovations. YadA, YadA, YadA. So then,
• 35:04
  Speaker 4: thank you, we were going to go with. They had
• 35:06
  Speaker 4: a policy change that meant we were assessed against five
• 35:09
  Speaker 4: percent of an increase of you know how I do
• 35:12
  Speaker 4: like the interest increase. We were assessed against five percent.
• 35:15
  Speaker 4: So that happened. We had paid our holding deposit. We
• 35:17
  Speaker 4: hadn't paid our full deposit on the house, and our
• 35:20
  Speaker 4: broker called us and said, it's not going to happen.
• 35:22
  Speaker 4: You're in trouble.
• 35:23
  Speaker 2: So the bank changed happened, and you needed to like
• 35:26
  Speaker 2: shuffle pretty quickly. Told me how stressful that was.
• 35:29
  Speaker 4: It was awful. I'm not a crier. I cried a lot.
• 35:34
  Speaker 4: We didn't sleep. We're going to lose our house. And
• 35:36
  Speaker 4: of course, like we bought our first home, we were
• 35:38
  Speaker 4: so excited. We told everyone we you know.
• 35:41
  Speaker 2: Like one hundred percent and like, obviously we won't get
• 35:44
  Speaker 2: too far into it to throw another broker into the bus.
• 35:46
  Speaker 2: But like, from my perspective, as somebody who owns Zella Money,
• 35:50
  Speaker 2: which is a mortgage broking business, like that would never
• 35:53
  Speaker 2: have been acceptable, Like and it breaks my heart that
• 35:55
  Speaker 2: you went through that situation. And like again, it's one
• 35:59
  Speaker 2: of those situations where you don't know what you don't know.
• 36:01
  Speaker 2: And I'm assuming at that time you would have trusted
• 36:04
  Speaker 2: that person giving you that advice. If they said, oh,
• 36:06
  Speaker 2: I'm so sorry that the bank changed their policy, you
• 36:10
  Speaker 2: would have been like, oh, well, I guess that's what
• 36:12
  Speaker 2: it is. Whereas a really good broker would be going
• 36:15
  Speaker 2: into that and saying, no, we applied, we did this,
• 36:18
  Speaker 2: You're actually going to financially impact our client. You have
• 36:21
  Speaker 2: to honor your previous policy, and like, my heart breaks,
• 36:24
  Speaker 2: I'm so sorry you went through that.
• 36:26
  Speaker 4: It all worked out in the wash.
• 36:27
  Speaker 2: I know it's not ideal, not ideal, but it worked out.
• 36:31
  Speaker 4: We had to beg borrow steal and we had a
• 36:34
  Speaker 4: family member come in and provide us with a side loan,
• 36:37
  Speaker 4: not a gift of money. And again, so privileged that
• 36:40
  Speaker 4: we have that at our disposal.
• 36:42
  Speaker 2: But that's another financial stress. And I'm assuming you guys
• 36:45
  Speaker 2: went into this, we're going to buy our own home,
• 36:47
  Speaker 2: We're going to stand on our own two feet. And
• 36:48
  Speaker 2: then it kind of like gets swept up from underneath
• 36:51
  Speaker 2: you because you're like, oh, now I have to go
• 36:53
  Speaker 2: and talk to this family member. And yeah, you're right,
• 36:54
  Speaker 2: we're so grateful that we have this opportunity. But that's
• 36:57
  Speaker 2: not how this should have felt. That's not how this
• 37:00
  Speaker 2: should have gone because I'm assuming if i'd tut you
• 37:02
  Speaker 2: and your partner down and said, hey, we can get
• 37:05
  Speaker 2: you into a property, all you'd have to do is
• 37:07
  Speaker 2: borrow this amount of money from a family member. You'd
• 37:09
  Speaker 2: be like, oh, no, thank you, like we'll actually just
• 37:11
  Speaker 2: save for a little bit longer, like we want to
• 37:13
  Speaker 2: do it on our own, Like that's not what should
• 37:15
  Speaker 2: have happened.
• 37:16
  Speaker 4: So yeah, without deposit and then that extra cash injection
• 37:19
  Speaker 4: for family member, we you know, as I said, we've
• 37:22
  Speaker 4: got like five twenty five issue.
• 37:23
  Speaker 2: You got there? Oh good, Well, I'm glad that it's
• 37:26
  Speaker 2: not super stressful, and like I will be swooping in
• 37:29
  Speaker 2: and hopefully getting you a REFI that gets you the
• 37:32
  Speaker 2: renovations of your dreams. But tell me a little bit more.
• 37:35
  Speaker 2: I feel like you've had this whole like glow up,
• 37:39
  Speaker 2: Like you've gone from being what you said, I wouldn't
• 37:42
  Speaker 2: call you this, but you called yourself a hot mess,
• 37:44
  Speaker 2: and now I feel like you're just hot shit. Like
• 37:47
  Speaker 2: those two things are very different, and like, you know,
• 37:50
  Speaker 2: I'm only meeting you today, so I've never met you before,
• 37:53
  Speaker 2: but you have this like glowy energy of confidence and
• 37:55
  Speaker 2: like you're just so happy with where you're at with life.
• 37:58
  Speaker 2: But then you know, you've shared a lot the podcast
• 38:00
  Speaker 2: today about like oh I wasn't always that way, Like
• 38:03
  Speaker 2: you know, I grew up feeling a little bit lost
• 38:05
  Speaker 2: a little bit, you know, flat and had some mental
• 38:07
  Speaker 2: health issues. Like I feel like you've come through that
• 38:09
  Speaker 2: and now you're out the other side and like you're
• 38:11
  Speaker 2: living your best life, but you would have learnt a lot.
• 38:14
  Speaker 2: So tell me what you think your best money habit is.
• 38:17
  Speaker 4: I can't split between the two. Girl, I'm thrifty.
• 38:21
  Speaker 2: Oh, tell how are we thrifty?
• 38:22
  Speaker 4: Though discount codes, clearance bins, sales. I will call the
• 38:27
  Speaker 4: business and say I can get it five percent cheaper.
• 38:30
  Speaker 4: Do you want my business on? I will ask for
• 38:32
  Speaker 4: the discount.
• 38:33
  Speaker 2: But if you don't ask, you don't get correct, Like.
• 38:35
  Speaker 4: You know, how's your food going? Oh? Actually we did
• 38:39
  Speaker 4: all of these. I will speak for my money and
• 38:41
  Speaker 4: I will make my money work.
• 38:42
  Speaker 2: I love that, and I think that sometimes when we say, oh,
• 38:47
  Speaker 2: we're really thrifty, and you know, we will do clearance
• 38:49
  Speaker 2: bins and up shops and like, you know, make all
• 38:52
  Speaker 2: this work, people then think that you don't spend money
• 38:54
  Speaker 2: in the rest of your life. Tell me a bit
• 38:57
  Speaker 2: about the balance that you have, like are you still
• 39:00
  Speaker 2: spending on the things that you love or like, absolutely.
• 39:02
  Speaker 4: We don't go without ever, but if I can save
• 39:05
  Speaker 4: money on there, and it's in my budget, which that's
• 39:08
  Speaker 4: the other money have it it is, I've got to
• 39:10
  Speaker 4: kill a budget spreadsheet. So if it fits in a
• 39:14
  Speaker 4: budget and I can save money on it, I'll save
• 39:16
  Speaker 4: money on it.
• 39:17
  Speaker 2: Absolutely. I love that. Tell me about this budget spreadsheet, though, like,
• 39:21
  Speaker 2: how does that work?
• 39:22
  Speaker 4: Like?
• 39:22
  Speaker 2: How did you pull it together? Is your partner privy
• 39:24
  Speaker 2: to this?
• 39:25
  Speaker 4: Okay, so you can't judge me. We listen that, we
• 39:27
  Speaker 4: don't judge.
• 39:28
  Speaker 2: Why would I judge you? We listen and we don't
• 39:30
  Speaker 2: judge your correct.
• 39:31
  Speaker 4: When I first started listening to sheets on the money,
• 39:33
  Speaker 4: you were talking about your budget spreadsheet and I was like,
• 39:37
  Speaker 4: I'm not going to pay for that. I'm pretty good
• 39:39
  Speaker 4: on EXL I can make that.
• 39:40
  Speaker 2: Yeah, you're going to do it yourself. I love that.
• 39:42
  Speaker 2: So you made your own fantastic.
• 39:44
  Speaker 4: My partner likes the colors, but he's not a finance guy.
• 39:49
  Speaker 2: So I love this. Did you make it pink as well?
• 39:51
  Speaker 2: Like is it peachy vibes? Or you just made your own?
• 39:54
  Speaker 4: Full made my own and like, so my income is
• 39:57
  Speaker 4: like a lilac purple color. His income is a soft pink.
• 40:01
  Speaker 4: Our mortgage repayment bar that's like red, like a red
• 40:05
  Speaker 4: color was like that, like, so, yeah, it's fine.
• 40:07
  Speaker 2: I adore this so much, and like I'm not even
• 40:10
  Speaker 2: mad that you just made your own Like I actually
• 40:12
  Speaker 2: want that, because like my entire goal is to just
• 40:15
  Speaker 2: get people caring more about their money. And if somehow
• 40:18
  Speaker 2: you were like, do you know what I'm gonna do,
• 40:19
  Speaker 2: I'm going to save money by not giving it to Victoria,
• 40:21
  Speaker 2: I'm going to make my own girlfriend. That was the point.
• 40:25
  Speaker 2: Like I got you saving, I got you budgeting, Like haha,
• 40:29
  Speaker 2: I still win.
• 40:30
  Speaker 4: I still win. But like so I've given it to
• 40:32
  Speaker 4: like my brother in law, my sisters, my sister in
• 40:35
  Speaker 4: law like and taught them how to use it and
• 40:37
  Speaker 4: like taught them how to make it feed properly. And
• 40:39
  Speaker 4: I am.
• 40:39
  Speaker 2: Obsessed with you. Do you know what I'm going to do.
• 40:41
  Speaker 2: I'm actually going to gift you my money master class
• 40:51
  Speaker 2: in addition to the budget spreadsheet, which, by the way,
• 40:54
  Speaker 2: I think is pretty good, but it sounds like you
• 40:55
  Speaker 2: maybe have done a better job than me, so maybe
• 40:57
  Speaker 2: don't look at it too deeply. There's like a heap
• 41:01
  Speaker 2: of videos and content and a mortgage repayment calculator though
• 41:05
  Speaker 2: you think you might like in there, so like you
• 41:07
  Speaker 2: can have your cake and eat it too. Baby you
• 41:08
  Speaker 2: got both married.
• 41:09
  Speaker 4: I love that, Thank you so mu much.
• 41:10
  Speaker 2: No, don't be silly. I love that you've been giving
• 41:12
  Speaker 2: your budget spreadsheet to all your friends and family and
• 41:15
  Speaker 2: you're like, use this. Do this. Like if I go
• 41:17
  Speaker 2: back maybe five years and said to baby you or
• 41:21
  Speaker 2: like younger you, hey, you'd be sitting your friends and
• 41:24
  Speaker 2: family down and doing their budget. So I'm like, you'd
• 41:25
  Speaker 2: be like color coordinating it, like would you believe you?
• 41:29
  Speaker 4: Not even close?
• 41:30
  Speaker 2: I love it so much, it makes me so happy.
• 41:33
  Speaker 4: So like every year, no matter what yr level you teach,
• 41:36
  Speaker 4: you will teach a money unit. And since listening to
• 41:39
  Speaker 4: Shoes on the money, I don't set homework side, but
• 41:41
  Speaker 4: I don't set homework.
• 41:42
  Speaker 2: You're the teacher of my dreams.
• 41:44
  Speaker 4: Yeah, but I've set homework for my kids. When we
• 41:46
  Speaker 4: start our money unit, to go home and ask mum
• 41:48
  Speaker 4: and dad how much do you earn? And how much
• 41:50
  Speaker 4: is our mortgage or rent?
• 41:51
  Speaker 1: Oh?
• 41:51
  Speaker 2: Wow, how does that go down?
• 41:53
  Speaker 4: Interesting? Really interesting? So I normally teach senior school, so
• 41:57
  Speaker 4: grade five six, it's faster and some fabulous conversations and
• 42:02
  Speaker 4: fabulous learnings, but it's also like kids come back and
• 42:05
  Speaker 4: they say, oh, Mum, talk me. We don't talk about that.
• 42:07
  Speaker 4: Dad said, don't worry about it. And I was like,
• 42:10
  Speaker 4: I need you to ask again, And I've called parents
• 42:12
  Speaker 4: and I've said it is part of the curriculum. I
• 42:14
  Speaker 4: need them to know how to save. I need them
• 42:17
  Speaker 4: to know what a mortgage is, and the best way
• 42:20
  Speaker 4: to know is with their own situation.
• 42:22
  Speaker 2: Yeah. Wow, isn't that crazy that it's just still so
• 42:25
  Speaker 2: diverse in terms of like, oh, we don't talk about that.
• 42:28
  Speaker 2: I've been pulling together because, like, I'm quite passionate about
• 42:32
  Speaker 2: the education system, and in the background, I do a
• 42:35
  Speaker 2: lot of work going out to schools and talking at schools,
• 42:37
  Speaker 2: mainly senior schools, So like usually I speak to like
• 42:40
  Speaker 2: grade nine because I feel like at that age they're
• 42:42
  Speaker 2: getting their first job. I really want them to know
• 42:44
  Speaker 2: about their superannuation and their cash flow and that you know,
• 42:48
  Speaker 2: you don't just get all this money into your account
• 42:50
  Speaker 2: and you can blow it all. I mean you can,
• 42:51
  Speaker 2: but I want you to know the difference between saving
• 42:54
  Speaker 2: for now and like long term gratification and all of that.
• 42:57
  Speaker 2: But one of the things I've been wreing on is
• 43:00
  Speaker 2: this idea for like junior school of like basically an
• 43:04
  Speaker 2: activity where you print out heaps and heaps of groceries
• 43:07
  Speaker 2: with their price lists, and they do a budgeting activity
• 43:10
  Speaker 2: of putting together meal plans for the whole week within
• 43:13
  Speaker 2: a certain budget. And I just think that would be
• 43:16
  Speaker 2: so fun.
• 43:17
  Speaker 4: I'll send you my lesson plan. I've got it.
• 43:19
  Speaker 2: Please do Oh no, We're going to go out for
• 43:21
  Speaker 2: a bunch and we'll talk about your lesson plan. Don't
• 43:23
  Speaker 2: send it to me. I love it, I love it.
• 43:25
  Speaker 2: Let's bring the mood down, though, because we're too happy
• 43:27
  Speaker 2: about this. What's your worst money habit?
• 43:29
  Speaker 4: We're spenders, we spend.
• 43:30
  Speaker 2: You're good, I mean, but your budgeters as well, So.
• 43:33
  Speaker 4: Like we will ignore the budget at times.
• 43:36
  Speaker 2: So we're saying that we have the budget. It's actually
• 43:39
  Speaker 2: just a spreadsheet that tracks our spending.
• 43:41
  Speaker 4: No, no, no, Like I know how much we have
• 43:44
  Speaker 4: to spend on groceries each week. I know how much
• 43:46
  Speaker 4: we have to spend all cars. Increed, but like you
• 43:48
  Speaker 4: know I need some more after shave. We're going to
• 43:51
  Speaker 4: spend less on groceries this week and buy the after shave.
• 43:54
  Speaker 2: That's budgeting. I mean, who airem I to judge?
• 43:59
  Speaker 4: Like a right, we listen, we don't judge if.
• 44:01
  Speaker 2: You're happy with it. And is that something that when
• 44:04
  Speaker 2: I say, oh, what's your worst money habit? You're like,
• 44:06
  Speaker 2: that's a money habit. I want a change. Or you're like, oh,
• 44:08
  Speaker 2: like no, we pull from column A to give to
• 44:10
  Speaker 2: Columba and we're pretty happy with it. We just go
• 44:12
  Speaker 2: with the flow. Or you're like, oh no, like that's
• 44:14
  Speaker 2: an active thing that we're trying to change, or like
• 44:17
  Speaker 2: how does it make you feel?
• 44:18
  Speaker 4: It's something we're trying to change because, as I said earlier,
• 44:21
  Speaker 4: we're adjusting to the mortgage and living at home and
• 44:23
  Speaker 4: paying rates, you know, like, so we're adjusting to a
• 44:27
  Speaker 4: new budget, so the cash flow is a lot tighter.
• 44:30
  Speaker 4: We need to change that because we need to free
• 44:32
  Speaker 4: up the other end somehow. So yeah, it's been two months.
• 44:36
  Speaker 2: Oh like it's so early. I would say that you
• 44:39
  Speaker 2: need Like there's this money shift that happens right when
• 44:43
  Speaker 2: you're saving for your first home. I feel like you're
• 44:45
  Speaker 2: super aggressive and you're so happy to go without right
• 44:48
  Speaker 2: because you're like, Okay, cool, I don't need the after
• 44:50
  Speaker 2: chase because I'm so excited about this acquisition of a house.
• 44:53
  Speaker 2: I'm going to put that extra hundred bucks into my
• 44:55
  Speaker 2: savings account and I'm actually going to feel really good
• 44:57
  Speaker 2: about it. But then there's the spent period, which I
• 45:01
  Speaker 2: think takes a minimum of six months. Once you get
• 45:03
  Speaker 2: the mortgage to go. We've achieved the goal, but I'm
• 45:06
  Speaker 2: still having to sacrifice. And I actually thought this would
• 45:10
  Speaker 2: feel a little bit different, Like I thought that we
• 45:12
  Speaker 2: would have a bit more free cash flow.
• 45:14
  Speaker 4: More reprieve.
• 45:16
  Speaker 2: Yeah, and you just don't have that period of reprieve
• 45:19
  Speaker 2: where it's new expectation setting. So my friend, you're two
• 45:22
  Speaker 2: months in, You've got another four months to go before
• 45:24
  Speaker 2: this actually feels quite comfortable.
• 45:26
  Speaker 4: And like literally like we bought just before Christmas, so
• 45:30
  Speaker 4: like Christmas is an expensive time.
• 45:31
  Speaker 2: Oh you got absolutely thrown under the bus.
• 45:34
  Speaker 4: And then like you know, all family and friends in
• 45:36
  Speaker 4: our community wants to come to our house, so we
• 45:38
  Speaker 4: host and we buy food, we buy drinks. So it's
• 45:41
  Speaker 4: like it's just been expensive.
• 45:42
  Speaker 2: She's been a Spano a few months.
• 45:44
  Speaker 4: Yes, Like it's great that you want to come and
• 45:47
  Speaker 4: see our house.
• 45:48
  Speaker 2: But like could you bring the snacks?
• 45:50
  Speaker 4: Yeah, you bring the wine, you bring the food, We'll
• 45:52
  Speaker 4: bring the vibes.
• 45:54
  Speaker 2: Oh my gosh. Yeah, like the vibes of the house,
• 45:56
  Speaker 2: like that's it, And I feel like I'm providing enough
• 45:58
  Speaker 2: money durst. I feel like I have adored this money diary,
• 46:01
  Speaker 2: like it's gone for a little longer than usual, which
• 46:03
  Speaker 2: is obviously a great sign. I don't know. You've shared
• 46:07
  Speaker 2: so much about you, your life, your personal life, your relationship,
• 46:10
  Speaker 2: how you've gotten into property, How that wasn't you know,
• 46:13
  Speaker 2: the smoothest experience. How you've gone from being like quote
• 46:16
  Speaker 2: you a hot mess to literally sitting in your family
• 46:18
  Speaker 2: and friends down being like babes. So this is me
• 46:21
  Speaker 2: and I'm lilac, and you can do this. And also
• 46:23
  Speaker 2: the bad numbers are in red, like you've made a
• 46:25
  Speaker 2: whole bloody color coded spreadsheet and you're spreading the good
• 46:28
  Speaker 2: financial vibes. And you think you're a B minus, which
• 46:32
  Speaker 2: who am I to judge? Like, I don't mind what
• 46:35
  Speaker 2: you think you are, But what does it take you
• 46:37
  Speaker 2: to get to an A plus? Like how are we
• 46:39
  Speaker 2: getting there? What does that even look like?
• 46:42
  Speaker 4: It gets? What a plus? We are no student loans,
• 46:45
  Speaker 4: we are investing regularly, not a lot. We are investing regularly,
• 46:50
  Speaker 4: and we are not being as impulsive on the purchases.
• 46:54
  Speaker 4: So a little bit a few steps.
• 46:55
  Speaker 2: I love this, but you're on the way, Like you
• 46:58
  Speaker 2: showed me early that you're very aware of you're purchasing
• 47:01
  Speaker 2: and like impulsiveness versus like what you want and how
• 47:04
  Speaker 2: it works. Like it's not as though you're not privy
• 47:06
  Speaker 2: to these things. I'm not sitting down as an advisor
• 47:08
  Speaker 2: and going, hey, did you realize you're a bit impulsive?
• 47:10
  Speaker 2: And you're like no, I'm not, like self aware queen,
• 47:14
  Speaker 2: And you're on the way, so like be minus sure,
• 47:17
  Speaker 2: you can stay there if you want. But I feel
• 47:19
  Speaker 2: like you're on the way to being an a and
• 47:21
  Speaker 2: that's really exciting. Oh my gosh, Moneyed, I say wish
• 47:24
  Speaker 2: I had like a whole other hour to sit down
• 47:26
  Speaker 2: and yap with you, but I do not. It has
• 47:28
  Speaker 2: been an absolute pleasure learning about you and having you
• 47:32
  Speaker 2: as the second inaugural mail on my podcast. And this
• 47:35
  Speaker 2: is definitely a shout out. We want everyone on the podcast,
• 47:39
  Speaker 2: but it turns out we can only have the people
• 47:41
  Speaker 2: that submit their money diaries and are happy to come
• 47:43
  Speaker 2: on the show on the podcast. So if you feel
• 47:46
  Speaker 2: like you've resonated with this and want more stories just
• 47:48
  Speaker 2: like this, money diarists, please write in please DM me,
• 47:52
  Speaker 2: please let's have a chat, because I feel like I've
• 47:54
  Speaker 2: just made another best friend and that's my favorite thing
• 47:57
  Speaker 2: in the entire world. Moneyed dirist as always it has.
• 48:00
  Speaker 2: It's been a pleasure. Thank you so much for sharing
• 48:01
  Speaker 2: you and your journey and what you're getting up to
• 48:04
  Speaker 2: with our community, because I just know people are going
• 48:06
  Speaker 2: to adore you as much as I have, but also
• 48:08
  Speaker 2: they're going to learn so much, and I just I
• 48:11
  Speaker 2: love our little community that we've built less.
• 48:13
  Speaker 4: Thank you so much for having me. It's been so fun.
• 48:15
  Speaker 2: Oh, I adore this.
• 48:22
  Speaker 5: The advice shared on She's on the Money is general
• 48:25
  Speaker 5: in nature and does not consider your individual circumstances. She's
• 48:29
  Speaker 5: on the Money exists purely for educational purposes and should
• 48:32
  Speaker 5: not be relied upon to make an investment or financial decision.
• 48:36
  Speaker 2: If you do choose to buy a financial product.
• 48:38
  Speaker 5: Read the PDS TMD and obtain appropriate financial.
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  Speaker 2: Advice tailored towards your needs.
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