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FRIDAY DRINKS: Babies, Bank Loans & Bloopers! · 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 Whoalbury and a waddery woman. And before
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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 through.
0:23
Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
0:27
Speaker 1: the storytelling of you to make a difference for today
0:31
Speaker 1: and lasting impact for tomorrow.
0:33
Speaker 2: 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 She's on the Money, the podcast
1:00
Speaker 4: for millennials who want financial freedom. Today is Friday, which
1:04
Speaker 4: means it is time to sit back with yet another guest.
1:07
Speaker 4: We have Ana Lisa, our producer, and of course misters
1:10
Speaker 4: Garricci with us today.
1:12
Speaker 5: To recount our favorite moments.
1:14
Speaker 4: Of the week and of course to celebrate you, our
1:16
Speaker 4: beautiful She's on the Money community. As always, we're going
1:19
Speaker 4: to be sharing our favorite money wins. We're going to
1:21
Speaker 4: be discussing what's making news in the finance world, and
1:24
Speaker 4: we're going to be helping to answer a juicy money question,
1:26
Speaker 4: which is all about someone who loves their job.
1:29
Speaker 5: But doesn't really like their pay.
1:31
Speaker 4: But first it is time to recap the week that was,
1:34
Speaker 4: and helping me do that today is Ana Lisa with
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Speaker 4: our Monday Money Diaries episode this week, which we co authored.
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Speaker 2: Oh my goodness, my voice is on this podcast twice
1:44
Speaker 2: in one way. Hello am I I hek.
1:46
Speaker 4: Here our listeners to experience the joy that is Ana Lisa.
1:50
Speaker 2: Hello everyone, so nice to join you on this second
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Speaker 2: last day of the year.
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Speaker 4: Oh my gosh, yes absolutely. Ana Lisa is one of
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Speaker 4: our favorite people. Also our favorite producer, is.
2:00
Speaker 5: That fair to say.
2:01
Speaker 4: We've also got Sam Sam's editing this episode, so Sam
2:03
Speaker 4: were do different things. She's our favorite female producer. I
2:07
Speaker 4: appreciate you, and hey, v Monday was so much fun.
2:10
Speaker 4: I made you pick the ones that just really kind
2:14
Speaker 4: of you thought you were going to go in one
2:16
Speaker 4: direction with them, and then we ended up going in
2:17
Speaker 4: another direction, learning.
2:18
Speaker 2: This whole other level of stuff about it. So it
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Speaker 2: was so fun to stand over you and force you
2:23
Speaker 2: to pick just a couple out of what has been
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Speaker 2: an incredible year. As usual from our community of money dire.
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Speaker 4: Such a big conversation to have as well, Like you
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Speaker 4: came to me with this idea, and I was just like,
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Speaker 4: there's absolutely no way I'm picking favorite money diaries. Let's
2:36
Speaker 4: do ones that shook us or ones that we consistently
2:39
Speaker 4: think about. And I think we did that in a
2:41
Speaker 4: really really good way. Like so many of them. You'll remember, Jess,
2:45
Speaker 4: you'll remember a lot of them as well. You'll be yeah,
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Speaker 4: I don't know, feel like they were engaged and impactful
2:51
Speaker 4: and just I love our money diarists so much so
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Speaker 4: it was hard to pick. Are we going to do
2:55
Speaker 4: a little summary? Are we going to make people listen
2:57
Speaker 4: back to the episode? You can do a summary, so like,
2:59
Speaker 4: can you do analysa? Sell it to the people?
3:01
Speaker 2: All right? Well, first we had Phoenix Rising from the
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Speaker 2: Ashes from the ninth of the fifth Ye follower on Instagram.
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Speaker 4: Now obviously you guys don't know because I follow her
3:10
Speaker 4: like two thousand people, so good luck bar still anonymous. Yeah,
3:14
Speaker 4: she's also private, so good luck with you of that.
3:17
Speaker 4: But she was incredible. She survived in an abusive relationship,
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Speaker 4: she paid off one hundred and twenty thousand dollars in
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Speaker 4: credit card debt took her seven years and ended up
3:26
Speaker 4: costing her quarter of a million dollars, and it just
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Speaker 4: it blows my mind that she's now completely debt free,
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Speaker 4: living her best life. She has a wonderful partner, she
3:35
Speaker 4: has a side hustle.
3:36
Speaker 2: She's just like Queen and loves a spreadsheet.
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Speaker 4: Absolutely loves it, don't we all you kind of hear
3:42
Speaker 4: because you love spreadsheets.
3:44
Speaker 2: This is why I haven't been on the pog before
3:45
Speaker 2: because I am terrified by spreadsheets. Okay, so next up,
3:49
Speaker 2: and yeah, this was extraordinary and extraordinary on so many levels.
3:52
Speaker 2: It was called from public housing to ten k a
3:55
Speaker 2: week as a sex worker. It was from the eighteenth
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Speaker 2: of the seventh Ladies. Big takeaways from this one.
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Speaker 4: I feel like this one was spicy at the same
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Speaker 4: time as being really empowering. This money dois kind of
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Speaker 4: always knew she wanted to be a sex worker, and
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Speaker 4: she was really open about that. She's like, at eighteen,
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Speaker 4: I just knew what I wanted to do. That's what
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Speaker 4: I wanted to do. I knew I'd be good at it.
4:15
Speaker 4: I'm going to go ahead and get it done. She's
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Speaker 4: somebody that I know through my social circles. And to
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Speaker 4: be honest, her journey is really incredible. But learning that
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Speaker 4: she can earn or sometimes does earn ten thousand dollars
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Speaker 4: a week but is still terrible at cash flow tests,
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Speaker 4: I think had us both banging our heads against the wall.
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Speaker 4: We were like, girl, you are earning so much money,
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Speaker 4: be better at cash flow. But obviously she's still super
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Speaker 4: financially successful. She had like investment properties, so it's her
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Speaker 4: house and all that, but you're just.
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Speaker 5: Saying, what are you doing, queen?
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Speaker 2: She was borrowing money for lunch sometimes, and I was like,
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Speaker 2: at least I'm not the only one who might someone oh.
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Speaker 5: No money.
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Speaker 4: I feel like cash flow issues or being in a
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Speaker 4: position where you're not able to manage your cash flow
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Speaker 4: is effectively as you might want to, is not exclusive
5:00
Speaker 4: people who don't have enough money, Like, it doesn't matter
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Speaker 4: how much you own, it's actually how you allocate.
5:05
Speaker 5: It and what you do.
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Speaker 4: And some of the most financially successful people I've seen
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Speaker 4: aren't the ones with the biggest dollars in their bank account.
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Speaker 4: It's actually the people who are just as savvy as possible.
5:14
Speaker 4: And I guess that's why we have shees on the money, right.
5:16
Speaker 5: But I loved this. I felt like it was really interesting.
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Speaker 4: She shared her story of growing up in public housing
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Speaker 4: being a single mum. She talked about the tricky side
5:24
Speaker 4: of business because being a sex worker, you're often, you know,
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Speaker 4: a sole trader.
5:29
Speaker 5: You are actually the.
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Speaker 4: Bookkeeper and the accountant and also the admin person and
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Speaker 4: the person doing the work, and there's just so much
5:36
Speaker 4: more to it than you think there is, and it's
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Speaker 4: just it's super interesting. Also how she pivoted during COVID
5:41
Speaker 4: and just what she got up to. I don't know,
5:43
Speaker 4: I'm pervy on everyone's financial circumstances. Oh no, know what
5:46
Speaker 4: you do.
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Speaker 1: I do.
5:47
Speaker 2: Listen back to that episode definitely, one hundred percent.
5:50
Speaker 4: Let's not go through the rest though the rest are
5:52
Speaker 4: really good, and I feel like we'll hop on and
5:53
Speaker 4: on and then you won't listen to the show. And
5:55
Speaker 4: I just think that everybody should listen to that episode
5:57
Speaker 4: because it was a really fun recap.
5:59
Speaker 2: Please do. And again, biggest takeaway is how freakin incredible
6:04
Speaker 2: our community are and how much we just do in
6:07
Speaker 2: awe of all of you, and how appreciative I am
6:10
Speaker 2: to get to talk to you all before you go
6:12
Speaker 2: to Yeah, by the way, I get to spend so
6:14
Speaker 2: much time, and I'm the greedy one and I love it.
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Speaker 4: Soon It's actually my favorite thing in the world. And
6:18
Speaker 4: just like how diverse our stories are. Yeah, we all
6:21
Speaker 4: have the same underlying set of values that we all
6:24
Speaker 4: want financial freedom and we're all working towards that and
6:27
Speaker 4: what that means for us.
6:28
Speaker 5: And I just think so cool and I love it.
6:30
Speaker 2: And we can't wait to share more of your stories
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Speaker 2: in twenty twenty three.
6:34
Speaker 4: We're so excited talking about setting intentions for the new year.
6:38
Speaker 4: Miss Jessegrici, let's recap the deep dive we talked about
6:41
Speaker 4: investing personalities this week.
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Speaker 6: Yeah, so a little bit of an unofficial official list
6:47
Speaker 6: of a way to break your I suppose investing style down.
6:51
Speaker 6: We went through a list put together by a woman
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Speaker 6: named Kathleen Gurney quite a few years ago, and while
6:56
Speaker 6: it's not I suppose an official classification, it was a
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Speaker 6: really interesting way of kind of breaking down the different
7:03
Speaker 6: types of people. It had a fun kind of BuzzFeed
7:05
Speaker 6: quiz vibe to it, and it was really interesting to
7:08
Speaker 6: kind of look at the way that someone had kind
7:10
Speaker 6: of stepped back and objectively categorized investors into their different
7:15
Speaker 6: I suppose titles or groups and you could kind of
7:18
Speaker 6: go through and we did, and we said, oh, I
7:19
Speaker 6: feel like I might be this with a little bit
7:20
Speaker 6: of this, and we put a really fun thread I
7:23
Speaker 6: believe in the Facebook group the day that went up,
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Speaker 6: so everyone else could let us know what personality they
7:27
Speaker 6: thought they had as well.
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Speaker 4: And it was so fun learning what you guys thought
7:30
Speaker 4: you were. But also I think it was interesting talking
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Speaker 4: about it because I think the second, you know, how
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Speaker 4: like when you talk about, oh, what is your personality
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Speaker 4: and I'm like, IGT or whatever it is, I've lost
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Speaker 4: track of all the letters that are meant to be
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Speaker 4: in it. I feel like we sometimes get a label
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Speaker 4: and really stick with that. But the thing with investing
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Speaker 4: personalities are they're so driven by education and your life circumstances.
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Speaker 4: So like going through it, I was like, oh my gosh,
7:55
Speaker 4: I used to definitely be this person, but I'm now
7:57
Speaker 4: over here, and like, you know, in the future, I
7:59
Speaker 4: might be somewhere else, because as you get older, priorities
8:03
Speaker 4: change and things shift, and your education level increases hopefully
8:07
Speaker 4: over time. And I just think one thing that I
8:10
Speaker 4: really want to point out here when we're talking about
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Speaker 4: investing personalities is if you feel like you resonate with
8:14
Speaker 4: a bucket, but you don't want to be resonating with
8:17
Speaker 4: that bucket. It doesn't mean you can't change, It doesn't
8:18
Speaker 4: mean you can't shift over to something else. It's not
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Speaker 4: a stagnant money personality that is going to be you know,
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Speaker 4: your label for life, which I think sometimes we take
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Speaker 4: a little bit too literally and that can be not
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Speaker 4: so positive.
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Speaker 2: Oh and you know my favorite part of this year
8:32
Speaker 2: guys top lists of things don't ask me to make
8:36
Speaker 2: my own. I love leading everyone else's And also little
8:38
Speaker 2: personality quizzes and what am I and what do I
8:41
Speaker 2: align with? That's I'm about stuff.
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Speaker 6: I love it.
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Speaker 4: Also, I do love a BuzzFeed quiz like hell, yeah,
8:47
Speaker 4: which Disney princess are you like?
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Speaker 2: Ten out of ten?
8:50
Speaker 4: I will always come out as well. We are going
8:52
Speaker 4: to move on, though. I want to know, miss jessic RICI,
8:54
Speaker 4: can you talk us through your budget? Direct money wins
8:56
Speaker 4: of the week absolutely.
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Speaker 6: My first win this week comes from who Says money whin.
9:01
Speaker 6: I bought a twenty dollars bottle of prosecco that came
9:04
Speaker 6: with a twenty dollars adore beauty voucher from a scratch
9:07
Speaker 6: off code, so I ordered some mini shampoo and conditioner
9:10
Speaker 6: with free shipping, so the bottle of proscco was basically free.
9:13
Speaker 4: So is the bottle of prosecco free? Or is the
9:15
Speaker 4: stuff you were ordered from a door free?
9:16
Speaker 2: Which one?
9:17
Speaker 5: Is it going to be?
9:17
Speaker 2: That's a good and you get, don't you usually get
9:19
Speaker 2: like a free Tim Tam. It's so naughty.
9:25
Speaker 4: One of my old hairdressers used to sell the shampoo
9:28
Speaker 4: and conditioner that I used, and should always be like, oh,
9:30
Speaker 4: do you need a top up? And I'd always say
9:32
Speaker 4: no because I wanted to order it from the dogs.
9:34
Speaker 4: I wanted the Ti Tam. It's just a nice little
9:36
Speaker 4: sweet trip little treaty tree for doing the right thing
9:39
Speaker 4: by ordering online. And then it was on shop backs
9:41
Speaker 4: so I'll always get money back. It was just an
9:43
Speaker 4: all round win. You know what else have you got
9:45
Speaker 4: for us?
9:45
Speaker 6: Jess big One from Bianca, who says a life win.
9:48
Speaker 6: I purchased my first home all on my own.
9:51
Speaker 5: Are you kidding?
9:52
Speaker 6: I love hearing some exciting congratulations Vianka. That must be
9:56
Speaker 6: the best feeling in the world. My next win come
10:00
Speaker 6: from Sash who said money Win. I got to use
10:02
Speaker 6: all of my glassware credits on Flybys through Colls to
10:05
Speaker 6: get so much new fancy glassware for our new house.
10:08
Speaker 6: But it was completely free.
10:10
Speaker 2: I think it's fun.
10:11
Speaker 4: I feel like that should just go to your cheer
10:12
Speaker 4: win as well, because you're a Flybys queen.
10:15
Speaker 6: We love a fly eyes win in this office absolutely.
10:17
Speaker 4: How are you were your Flybys Now we're slowly building
10:19
Speaker 4: them back up like where we are.
10:21
Speaker 6: Oh, I don't have that many. I think I have
10:23
Speaker 6: like maybe fifteen thousand, which sounds.
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Speaker 5: Me not that many. That's fifteen thousand more than I have.
10:28
Speaker 6: That sounds like a lot, but it's not that many.
10:30
Speaker 6: I'm saving for a Dyson. Previously, I got a kitchen
10:32
Speaker 6: eate so yeah, which always to Witch Dyson, which every
10:36
Speaker 6: one I can afford with my points.
10:37
Speaker 2: Yeah, okay, I have. She's on the money to thank
10:40
Speaker 2: for signing up to Flyby ccy that points taking episode
10:43
Speaker 2: actually made me sign up to that for the first time.
10:45
Speaker 5: We even influence our own team. Yeah, I love this.
10:48
Speaker 2: I'm in now. I don't know how many points I have.
10:50
Speaker 2: I'm still figuring it out, but yeah, I've started.
10:52
Speaker 6: Yeah, that's so exciting.
10:54
Speaker 5: Oh my gosh, you know, my partner used to work
10:55
Speaker 5: for Flybyes and I still don't.
10:57
Speaker 2: Have keep that one secret to do.
11:00
Speaker 6: As she says, not as she does. Our next money
11:03
Speaker 6: comes from April, who said, I got a partial scholarship
11:06
Speaker 6: to a four day conference I really wanted to attend.
11:08
Speaker 6: I was only going to be able to attend one day,
11:11
Speaker 6: but with this I can attend all four I can
11:13
Speaker 6: also claim the portion I pay for tax as it's
11:15
Speaker 6: professional development for my job, a certain number of hours
11:18
Speaker 6: are required each year and it's going to be heaps
11:21
Speaker 6: of fun.
11:21
Speaker 5: Oh my god, how good is that?
11:23
Speaker 4: And that's a really good tip to always see if
11:26
Speaker 4: there's a way to get a scholarship, yeah, or some
11:28
Speaker 4: kind of support in that space, especially if you're a
11:31
Speaker 4: student wanting to go to conferences. Like That's one of
11:33
Speaker 4: my biggest tips when it comes to career is really
11:36
Speaker 4: putting yourself out there to learn more about your industry
11:39
Speaker 4: and like, what is the industry doing that you know,
11:42
Speaker 4: maybe you could learn from or even network from, because conferences,
11:45
Speaker 4: you know, who goes to conferences, People who already work
11:47
Speaker 4: in the industry that you could potentially meet, might lead
11:50
Speaker 4: to a job, might lead to you.
11:51
Speaker 5: Having a better education might lead to just cool friend.
11:53
Speaker 2: Let's be honest. Big Dog, Big Dog's.
11:55
Speaker 6: Dog hashi yea one hundred percent And my last win
11:58
Speaker 6: for to day is a fun one. It comes from
12:00
Speaker 6: Kirston who said, money Win. We randomly got three tomato
12:03
Speaker 6: bushes growing in our backyard, either from dog poop or
12:05
Speaker 6: from someone throwing up eiway, I take it. We won't
12:09
Speaker 6: have to buy tomatoes cans.
12:10
Speaker 2: I'm sorry. Are they the only two reasons that natural
12:13
Speaker 2: tomatoes happen in your yard?
12:15
Speaker 6: I don't know if bees pollinate them, but it seems unlikely.
12:18
Speaker 2: Vomiting or dog poop.
12:19
Speaker 4: Someone lefted tomato in your garden from a wholesome barbecue
12:23
Speaker 4: that you had. Tomato just slipped off their plate, out
12:26
Speaker 4: of their burger and into your garden.
12:28
Speaker 2: Like love it.
12:29
Speaker 5: Someone bomited it.
12:30
Speaker 6: I thought that was a perfect note to end the
12:32
Speaker 6: money wins Old.
12:33
Speaker 4: Yeah, that's very shees on the Money's we celebrate everything
12:37
Speaker 4: here absolutely tomato.
12:40
Speaker 5: I love that alright, Jess.
12:42
Speaker 4: It was great celebrating some of your budget Direct Money Wins.
12:45
Speaker 4: Budget Direct winner of Canstar's Insurer of the Year Award
12:48
Speaker 4: twenty twenty two. Budget Direct Insurance sold, let's go to
12:51
Speaker 4: a really quick break and on the other side, we
12:53
Speaker 4: are going to deep dive into what's happening in the
12:55
Speaker 4: finance world and also answer a question from someone who
12:58
Speaker 4: loves their job that hates their page. Don't go anywhere, alrighty.
13:06
Speaker 6: I saw a really interesting post recently talking about how
13:10
Speaker 6: banks and other lenders are routinely discriminating against women who
13:13
Speaker 6: apply for loans and credit cards whilst they're on paid
13:17
Speaker 6: parental leave, which upfront sounds absolutely awful. Like this school stint,
13:20
Speaker 6: we do not stand for discrimination in this house at all,
13:23
Speaker 6: and we already know women who have taken time off
13:26
Speaker 6: for parental leaver on the back foot so significantly already.
13:29
Speaker 6: It seems like they don't need the additional layer of
13:32
Speaker 6: them not being able to get a loan for their
13:33
Speaker 6: house or if they need a car, or whatever that
13:35
Speaker 6: might be. But I feel like it raises a bit
13:38
Speaker 6: of an interesting conversation because as though I was reading
13:41
Speaker 6: through the post, you know, there are a few examples
13:43
Speaker 6: of women that they had interviewed as a part of
13:45
Speaker 6: this process, and they were saying that, you know, they'd
13:48
Speaker 6: been knocked back a couple of times. One woman particularly
13:51
Speaker 6: said she'd be returning to work full time, but was
13:54
Speaker 6: asked to get a letter from her employer to prove
13:56
Speaker 6: that was the case, and after that she canceled her
13:59
Speaker 6: load upation because she felt like that was discriminatory behavior.
14:03
Speaker 6: But as I was kind of reflecting on it, I
14:05
Speaker 6: thought about the fact that, you know, if I was
14:09
Speaker 6: a bank, I would kind of want some kind of
14:12
Speaker 6: proof as well, because I've got a friend who's just
14:14
Speaker 6: recently gone on attorney even she was intending to be
14:17
Speaker 6: gone for six months and it ended up being eighteen,
14:19
Speaker 6: which I think is quite standard where you don't know,
14:22
Speaker 6: You just don't know what's going to happen, or what
14:23
Speaker 6: your personal circumstances, or maybe your partner decides that they're
14:26
Speaker 6: gonna work full time and you're going to be a
14:28
Speaker 6: stay at home pair. There are so many different ways
14:30
Speaker 6: that it can go, and I was kind of wondering,
14:32
Speaker 6: how do we classify I guess this behavior as discriminatory.
14:37
Speaker 6: Is their room for a bank to be kind of
14:40
Speaker 6: doing their due diligence, because I would almost compare this
14:42
Speaker 6: to when we talk about after pay and we say, oh,
14:45
Speaker 6: if someone kind of thought to pay their after pay,
14:46
Speaker 6: they shouldn't be giving them, you know, that line of credit.
14:50
Speaker 6: Would you consider this to be the same thing or
14:52
Speaker 6: am I kind of not on the right track here.
14:54
Speaker 4: I've got opinions, but given we've got Anna Lisa in
14:57
Speaker 4: the house today, I want to know your opinion.
15:00
Speaker 2: Feeling very big moral question, isn't it. It's fascinating how
15:03
Speaker 2: much do we expect from our big companies to sort
15:06
Speaker 2: of have an empathic approach to our circumstances and what
15:09
Speaker 2: is classified as discrimination? Very good question, jay Rick. I mean,
15:13
Speaker 2: I'm not a parent, and I'm actually well, I've got
15:17
Speaker 2: my studio babies in here right now. You also have.
15:22
Speaker 4: Yes Fay home correct, our little Burmeg's chalky boy who
15:27
Speaker 4: is very needy.
15:28
Speaker 2: Well, we could just talk all about him, do you
15:30
Speaker 2: change she's.
15:31
Speaker 6: On the cash?
15:33
Speaker 2: Very good point about after pay and the due diligence
15:36
Speaker 2: that a company does need to do when it's extending
15:39
Speaker 2: a line of credit. But also totally impossible to detach
15:42
Speaker 2: from empathy and concern around discrimination. As you said, all
15:47
Speaker 2: of those points that you raised at the top, jay Rik, Like,
15:49
Speaker 2: it's really complex, isn't it.
15:50
Speaker 6: Yeah, And those I completely understand how as a woman
15:53
Speaker 6: in that position as well, Like if you've had that experience, like,
15:55
Speaker 6: it's not going to feel good. Like I have no
15:57
Speaker 6: doubt that if I was in the same position, I
15:59
Speaker 6: would probably be feeling exactly the same. It's only because
16:01
Speaker 6: I was reading an article as a whole, as someone
16:04
Speaker 6: with no personal attachment to the situation, that I kind
16:07
Speaker 6: of was thinking about those kind of things.
16:09
Speaker 2: You're a deep think it too.
16:11
Speaker 6: Goot a few brains.
16:12
Speaker 4: Yeah, I just find it really interesting because, yes, like
16:17
Speaker 4: on the surface, it sounds terrible, right, women being asked
16:20
Speaker 4: to justify their parental leave to get alone. You just go,
16:23
Speaker 4: I'm offended. That is awful. But then on the flip side,
16:27
Speaker 4: having worked in the finance space, it's actually the bank's
16:31
Speaker 4: job to do their due diligence to make sure that
16:33
Speaker 4: you know, Jess, we'll use you as a live example.
16:35
Speaker 4: If you had a baby next week, I don't know
16:37
Speaker 4: if it'll be six months or eighteen months, I don't know.
16:39
Speaker 4: If you're planning on returning part time, can you actually
16:42
Speaker 4: service that home loan? Is that something that's going to
16:45
Speaker 4: be considered in this circumstance, and if we're going to
16:48
Speaker 4: call it discrimination, would they have asked a mail the
16:51
Speaker 4: same thing and I know it's not as common for
16:53
Speaker 4: men to take parental leave, but we're not calling it
16:56
Speaker 4: maternity leave anymore. We're calling it parental leave because any
16:58
Speaker 4: parent can take it. And I think the real question
17:01
Speaker 4: here is if somebody was going to be in a
17:04
Speaker 4: position where they're just taking parental leave, would the bank
17:07
Speaker 4: ask this question regardless of gender, just because it's part
17:10
Speaker 4: of their risk management plan? Because I want to make
17:12
Speaker 4: sure that if I'm lending you money, Jess, you can
17:14
Speaker 4: pay it back. It's good for them. It's also good
17:17
Speaker 4: for you to have somebody doing their due diligence to
17:19
Speaker 4: make sure that you're not going to be in a
17:21
Speaker 4: compromised financial circumstance. Because if I look at it and go,
17:24
Speaker 4: all right, well, maybe Jess will do this, this, and this,
17:27
Speaker 4: I think it's fair to also go, well, you know,
17:29
Speaker 4: if Steve and I had kids and he decided to
17:31
Speaker 4: stay home, would they ask the same question of him?
17:34
Speaker 4: And to be honest, I would fully expect if I
17:36
Speaker 4: was going out to get a home loan like this
17:37
Speaker 4: person was in this story, and the story was actually, Hey,
17:42
Speaker 4: my male partner went out and applied for a home loan,
17:46
Speaker 4: and he told the bank that he would be returning
17:48
Speaker 4: to work full time, but he was asked to get
17:50
Speaker 4: in a letter from his employer.
17:52
Speaker 5: I actually would find that really stand it.
17:55
Speaker 4: I would love to know more about why that person
17:57
Speaker 4: withdrew their application.
18:00
Speaker 5: I don't mean to be rude.
18:02
Speaker 4: I think there is a conversation about discrimination and making
18:04
Speaker 4: sure that circumstance isn't because it's our role to make
18:07
Speaker 4: sure that doesn't happen. But let's say it's not. Why
18:10
Speaker 4: did she cancel her loan application? Like, why wouldn't you
18:12
Speaker 4: just go get a letter if you need a home loan?
18:14
Speaker 4: Why wouldn't you go get a letter from your employer
18:16
Speaker 4: to be like, well, yeah, no, no, no, sorry, the
18:18
Speaker 4: plan is to come back after twelve months.
18:19
Speaker 6: Well, I've heard in regards to home loans, I've heard
18:22
Speaker 6: stories from friends who were not on maternity leave, but
18:25
Speaker 6: they were in their probation period at work, and when
18:28
Speaker 6: they applied for their home loan, something the bank requested
18:31
Speaker 6: was a letter from their employer confirming that their probation
18:35
Speaker 6: would be extended.
18:36
Speaker 4: I've signed those letters before for people on our team
18:38
Speaker 4: needing loans or car loans, or you know, going for
18:41
Speaker 4: a home loan, and it makes sense because you're in
18:44
Speaker 4: a risky period of your employment right now and the
18:47
Speaker 4: bank just wants certainty that you're going to pay it back.
18:49
Speaker 4: And I don't genuinely believe that it was ever about
18:52
Speaker 4: the individual because they apply those things to the millions
18:56
Speaker 4: of customers that they have. Because if there's one Jess
18:59
Speaker 4: that needed to take some leave and that's fine and
19:02
Speaker 4: we don't know when she's coming back, that's not actually
19:04
Speaker 4: a big impact on the bank. But if there's one
19:07
Speaker 4: hundred thousand Jesses all in the same circumstance, what does
19:10
Speaker 4: the risk look like for that bank and what are
19:12
Speaker 4: they actually taking on when they agree to that. So
19:15
Speaker 4: from my perspective, I just think it's actually really smart,
19:18
Speaker 4: and it comes under the responsible lending laws in Australia,
19:22
Speaker 4: which actually requires our banking system to assess an overall
19:25
Speaker 4: customers income and expenses and overall ability to pay back alone,
19:30
Speaker 4: so that you're in the best possible position. Like the
19:33
Speaker 4: responsible lending laws don't exist for the banks to be
19:36
Speaker 4: in the best possible position. They exist to put the
19:38
Speaker 4: consumer in the best possible position. I think in twenty
19:41
Speaker 4: twenty two, given how strict our legal obligations are under
19:45
Speaker 4: the Anti Discrimination Act, we actually need to go hmm,
19:49
Speaker 4: is there more to this, like calling out bad behavior?
19:52
Speaker 5: Where it is?
19:52
Speaker 4: Because if this is just solely because you're a female
19:55
Speaker 4: and we don't know if you'll go back to work,
19:56
Speaker 4: that's disgusting. But I also think that a bank doing
20:00
Speaker 4: their due diligence to protect them and protects you, there's
20:03
Speaker 4: nothing wrong with that.
20:04
Speaker 6: The same article sided another woman who had applied for
20:08
Speaker 6: a credit card and apparently her credit card was automatically
20:11
Speaker 6: canceled because she was on parental leave.
20:14
Speaker 2: What.
20:14
Speaker 6: Yeah, so that's where I kind of go, Okay, that's
20:17
Speaker 6: a different story.
20:17
Speaker 5: Exact thing like that.
20:18
Speaker 6: I can see leaning a little bit more into it.
20:21
Speaker 6: I suppose, Again, it depends on how far along that
20:24
Speaker 6: application got. Because if they looked at the application and
20:27
Speaker 6: they said, oh, based on your current income and the
20:29
Speaker 6: fact that you're on parental leave, it's not feasible, and
20:31
Speaker 6: then they canceled it, that would be one thing. But
20:33
Speaker 6: if there was like an automatic thing in the back
20:36
Speaker 6: end that goes, oh, you tick the box that says
20:38
Speaker 6: I'm on parental leave immediate decline, that's when you would
20:42
Speaker 6: go Okay, that seems like it's probably leaning into something
20:44
Speaker 6: a little bit more discriminatory. I found it interesting that
20:47
Speaker 6: this article put these two people side by side, because
20:49
Speaker 6: to me, those are two very different sets of circumstances
20:53
Speaker 6: to be finding yourselves in.
20:54
Speaker 4: Yeah, I just it gives me a bit of the
20:56
Speaker 4: ick the same way I think it's giving you the ick, Jess.
20:59
Speaker 4: But I also do think that, yes, we need to
21:02
Speaker 4: have bigger conversations about discrimination. Women and men on parental
21:06
Speaker 4: leave are not treated as equally as they should be.
21:08
Speaker 4: We are still not afforded exactly the same opportunities as
21:11
Speaker 4: somebody who doesn't have children to look after. But also
21:15
Speaker 4: I think we need to really understand that when a bank,
21:19
Speaker 4: or when any kind of financial institution is offering any
21:22
Speaker 4: type of line of credit, they are doing their due diligence.
21:24
Speaker 4: And if they think that you're on parental leave and
21:27
Speaker 4: therefore maybe have a reduced income, like what if you
21:30
Speaker 4: work for a small business, like she's on the money,
21:32
Speaker 4: that does not have the budget to be paying somebody
21:35
Speaker 4: twelve months at full pay, Like what if that's the
21:38
Speaker 4: company you work for, so instead of earning your one
21:40
Speaker 4: hundred and thirty thousand dollars or whatever, you're earning you
21:43
Speaker 4: go back down to minimum wage for the period of
21:46
Speaker 4: time that you're on parental leave. Yeah, what if that
21:49
Speaker 4: doesn't meet the criteria for you being able to happily
21:51
Speaker 4: pay back your bills and your mortgage or your rent
21:55
Speaker 4: and they've actually just ascertained the Okay, cool, while you're
21:58
Speaker 4: on parental leave and you're actually own the earning minimum wage.
22:01
Speaker 4: It's not financially viable to actually extendal another line of
22:04
Speaker 4: credit to you. It's not the right thing to do. Yeah,
22:07
Speaker 4: I don't know if that actually has anything to do
22:09
Speaker 4: with gender. I actually think that has a lot to
22:11
Speaker 4: do with our societal standards and how much we get
22:13
Speaker 4: paid on maternity and paternity leave.
22:15
Speaker 6: You'd want a bank to be lending responsibly the end
22:18
Speaker 6: of the day, Like you don't want them to be
22:19
Speaker 6: putting someone in a worse position.
22:20
Speaker 4: Yeah, but I also don't want women to feel behind.
22:23
Speaker 4: And I think that all of that makes sense. But
22:25
Speaker 4: I would be interested to know the semantics of all
22:29
Speaker 4: of those applications, And to be honest, I really think
22:31
Speaker 4: that this is an opportunity for banks to come out
22:33
Speaker 4: and be like, hey, they've spoken publicly about it. Here's
22:36
Speaker 4: exactly how we would treat that application and why, Like
22:39
Speaker 4: this is such an opportunity for them to go, no,
22:42
Speaker 4: we were being responsible and I haven't seen that yet,
22:44
Speaker 4: but them saying no, we were being responsible for the
22:46
Speaker 4: following reasons, Like communication can go two ways, and I
22:50
Speaker 4: think that the bank going hey, this is why, and
22:53
Speaker 4: you might go Okay, that makes sense.
22:55
Speaker 2: Yeah, transparency is always.
22:56
Speaker 4: Good exactly or I get really heated about this conversation,
23:01
Speaker 4: but I'm glad that my tone of voice and my
23:04
Speaker 4: anger has ketched a lad on it. So let's move on.
23:07
Speaker 4: We have a very exciting listener question this week?
23:09
Speaker 5: What is it?
23:10
Speaker 2: Ana?
23:10
Speaker 5: Lisa?
23:13
Speaker 2: Hi?
23:13
Speaker 4: There, have you got a money dilemma you just can't
23:15
Speaker 4: solve that She's on the Money Team is here to help.
23:18
Speaker 4: Every week we tackle your dilemmas, both big and small,
23:22
Speaker 4: to answer your most burning money, career and life questions.
23:25
Speaker 4: To get involved, simply head to our website and leave
23:27
Speaker 4: us a short voice recording and you might just find
23:30
Speaker 4: yourself on the show. Now, let's take a listen to
23:32
Speaker 4: this week's money dilemma.
23:36
Speaker 7: Hi, Brinds, trust, I just need some advice. I absolutely
23:40
Speaker 7: love my job, but I don't like the PIY What
23:45
Speaker 7: should I do.
23:47
Speaker 4: Oh my gosh, we'll get to that question. But if
23:50
Speaker 4: you could read my bedtime stories every single night like that,
23:54
Speaker 4: her voice was beautiful.
23:56
Speaker 2: Yeah, what important.
23:57
Speaker 5: Men and Analisa you were saying that she labeled.
24:00
Speaker 2: She called herself lost soul, which I.
24:03
Speaker 5: Was just like me, I'm going to pick you up
24:05
Speaker 5: and hug you.
24:06
Speaker 2: It's the end of the year, aren't we all sort
24:08
Speaker 2: of like I mean, I always get into this trap
24:10
Speaker 2: of thinking that from the first of January all of
24:14
Speaker 2: my intentions will be said. I'll just have this new
24:16
Speaker 2: energy in this new focus. It's just another day. So
24:19
Speaker 2: I thought that this was really good because it's, like,
24:22
Speaker 2: you know, it's a little reminder lots of people are
24:24
Speaker 2: taking stock at this time of year. So perfect. Thank
24:26
Speaker 2: you for getting in touch, lot soul.
24:28
Speaker 4: Oh an Angel, what a hard question though, Like I
24:32
Speaker 4: am so glad you have a job that you love.
24:34
Speaker 4: I wish we had a little bit more context around
24:37
Speaker 4: what your pay was, whether you just don't like it
24:39
Speaker 4: because it's not enough to create the life you live,
24:41
Speaker 4: but you are appropriately paid for the role that you do,
24:44
Speaker 4: or the company you work for is absolutely taking the
24:47
Speaker 4: mickey and you're meant to be paid eighty grand, but
24:49
Speaker 4: you're actually on thirty grand and it's been an ongoing issue.
24:52
Speaker 4: So I think that there's a lot to take into
24:53
Speaker 4: consideration here. But when you're in a circumstance where you
24:57
Speaker 4: adore your job but the pay just is cutting the mustard,
25:01
Speaker 4: I feel like it can be a tricky position that
25:03
Speaker 4: you end up staying in for a really long time
25:05
Speaker 4: because you consistently justify it to yourself. And while the
25:08
Speaker 4: grass can be greener on the other side, if you left,
25:10
Speaker 4: I'm sure you could find another job very similar that
25:13
Speaker 4: might remunerate you in a way that you are more comfortable.
25:17
Speaker 4: I just feel like sometimes you get so emotionally connected
25:20
Speaker 4: with the team you've got or the community you've got,
25:22
Speaker 4: all the clients that you work with, that you're like,
25:25
Speaker 4: I could never move on, And therefore we don't want
25:27
Speaker 4: to rock the boat too much and advocate for ourselves
25:29
Speaker 4: because oh what if they think that I don't love
25:31
Speaker 4: my job because I'm trying to advocate for myself. So
25:34
Speaker 4: it can be a little bit of a rock and
25:35
Speaker 4: a hard place. But at this time of year, I
25:38
Speaker 4: would be taking stock and going, well, I love my job,
25:42
Speaker 4: but do I love my life outside? Of my job,
25:44
Speaker 4: because your job isn't your life. And if the answer
25:47
Speaker 4: is no, then I think we need to make some
25:50
Speaker 4: shifts and either ask for a pay rise, and Jess,
25:52
Speaker 4: we've done episodes on asking for a pay rise if
25:54
Speaker 4: that's the circumstance, or maybe doing a bit of market
25:57
Speaker 4: research to see where other roles are so that you
26:00
Speaker 4: can negotiate better. I just think there's heaps of tips
26:03
Speaker 4: and tricks that we've shared on the podcast before. But
26:06
Speaker 4: an Alisa, what would happen if you loved your job
26:08
Speaker 4: that you hated the pay.
26:09
Speaker 2: Quick little backstory. I've come from a lot of like
26:11
Speaker 2: arts music independent organizations where that has been my exact situation,
26:16
Speaker 2: and I've either slogged it out and loved it, loved it,
26:19
Speaker 2: loved it, loved it and then sort of slogged it
26:21
Speaker 2: out till I've burnt out, and then I've not loved
26:24
Speaker 2: it because really, at the end of the day, you
26:26
Speaker 2: do deserve to get paid properly. Or I've had a
26:30
Speaker 2: lot of kind of small freelance jobs where the kind
26:34
Speaker 2: of the general current of work, like each job hasn't
26:36
Speaker 2: paid that well, but like all together, I've gotten enough,
26:39
Speaker 2: or I've worked well paying jobs and then gotten myself
26:44
Speaker 2: a little bit of time outside so I can volunteer
26:46
Speaker 2: or do stuff that does fill my cup. So I
26:48
Speaker 2: think I've tried a whole bunch of stuff, and you know,
26:52
Speaker 2: I think it's good to sort of think about those
26:54
Speaker 2: different opportunities and obviously without knowing loss souls specific circumstance,
26:58
Speaker 2: as you said, it's hard to but that's been my experience.
27:01
Speaker 2: You know, there's lots of different ways that you can
27:04
Speaker 2: rejig things even if your employer isn't in a position
27:07
Speaker 2: to pay you more. But ultimately your happiness, it's the
27:11
Speaker 2: whole pie, right, You're only one pie, does that make sense?
27:16
Speaker 2: One pile? You can be happy at work, and if
27:20
Speaker 2: you're not getting paid, I feel like that's going to
27:21
Speaker 2: start to.
27:23
Speaker 5: It starts eating away to everything else.
27:24
Speaker 4: Eat away at the pie, Yeah, but it also eats
27:26
Speaker 4: away so many other things, Like it eats away your
27:29
Speaker 4: confidence and you know, your ability to create the life
27:32
Speaker 4: you want outside of work. And I just think that, Yeah,
27:35
Speaker 4: sometimes we adore our jobs and put all of our
27:37
Speaker 4: eggs in one basket, but like at the end of
27:40
Speaker 4: the day, I guarantee people aren't going to look back
27:43
Speaker 4: and go, oh my gosh, x y Z was perfect
27:45
Speaker 4: at her job. They're not going to remember that. They're
27:47
Speaker 4: going to remember everything else about you. And I just
27:49
Speaker 4: think that, yeah, we need to be only one pie
27:52
Speaker 4: and preserve our pie.
27:56
Speaker 5: What type of pie are you? You only pumpkin pie?
28:00
Speaker 2: I'm not a pumpkin part.
28:03
Speaker 5: You're wearing orange.
28:04
Speaker 6: I know what you are. You're a cherry part.
28:06
Speaker 2: Am I a cherry You're very I was going to
28:09
Speaker 2: say I'm a meat pie, but just like I'll be
28:15
Speaker 2: a sweet cherry pie. How you jek?
28:17
Speaker 6: I fully agree with what Victoria said about how she's
28:20
Speaker 6: a sweet cherry part. Absolutely, but also, your job is
28:23
Speaker 6: only one element of you. And I think there's a
28:25
Speaker 6: lot of conversation around how you know employees are replaceable,
28:30
Speaker 6: and you know, a lot of businesses really take that view,
28:33
Speaker 6: but not often do we say so jobs. Much as
28:36
Speaker 6: you love your job, if you're not being valued, or
28:39
Speaker 6: if you're not being fulfilled, or if you're not being
28:41
Speaker 6: paid the way that you should be, I can almost
28:44
Speaker 6: guarantee you that if you're a good worker, there's someone
28:46
Speaker 6: else out there who is going to pay you the
28:49
Speaker 6: way that you deserve to be. And right now, it
28:51
Speaker 6: is a job seekers market like it is as someone
28:53
Speaker 6: who used to work in recruitment and has a lot
28:55
Speaker 6: of friends who still do, it is a tough time
28:58
Speaker 6: out there to find good employees. And so I would
29:01
Speaker 6: argue that if you walked away, there would be a
29:03
Speaker 6: good chance that you could negotiate yourself a better opportunity
29:07
Speaker 6: more pay whatever you want, hopefully in a space that
29:11
Speaker 6: is still really fulfilling and that you still are able
29:13
Speaker 6: to really enjoy, Because I do think as much as
29:16
Speaker 6: people say money doesn't play happiness, it is an important
29:19
Speaker 6: element to your happiness, and I fully believe that, Like
29:23
Speaker 6: I think, if you're not being remunerated, well, it becomes
29:27
Speaker 6: hard to pay your rent, it becomes hard to buy
29:29
Speaker 6: your groceries with inflation, and that in itself is stressful,
29:33
Speaker 6: and then that's going to bleed into how you feel
29:35
Speaker 6: the rest of the time. And so I think that
29:38
Speaker 6: if that's a really big sticking point for you, and
29:39
Speaker 6: I think if it's bad enough that you're writing into
29:41
Speaker 6: us to get advice, my advice would be listen to
29:44
Speaker 6: those episodes, try and negotiate a pay rise if you
29:47
Speaker 6: can see if there's an opportunity to upskill or get
29:49
Speaker 6: a promotion or do something so that you can stay
29:52
Speaker 6: in your job. But if push comes to shove, don't
29:55
Speaker 6: be afraid to go somewhere else.
29:56
Speaker 2: Yeah, this should be a temporary state for you, absolutely,
30:00
Speaker 2: not a place for you to do.
30:01
Speaker 5: We don't live forever.
30:02
Speaker 4: We're just living here for a little bit, for a
30:04
Speaker 4: little holiday that we didn't enjoy it all.
30:06
Speaker 1: Ye.
30:08
Speaker 4: I also think you, like, while we're talking about that,
30:11
Speaker 4: just because you go looking for a new job doesn't
30:13
Speaker 4: mean you have to take it.
30:14
Speaker 1: Like.
30:14
Speaker 4: I think that doing a bit of market research and
30:17
Speaker 4: going on seek and going and finding, you know, different
30:20
Speaker 4: job descriptions and even having a chat to a recruiter
30:22
Speaker 4: about well what could I earn?
30:23
Speaker 5: What would I do?
30:24
Speaker 4: Like, that's actually a really powerful position to be in,
30:27
Speaker 4: to be shopping around for a new job when you
30:29
Speaker 4: don't actually want like a new one. When you're doing that,
30:32
Speaker 4: you're in this I guess position where you're negotiating exactly
30:36
Speaker 4: what you want and where you want to be and
30:38
Speaker 4: what that might look like so that you can create
30:41
Speaker 4: that role you like. And if you go no, actually
30:44
Speaker 4: for that pay, I don't like, I'll work it out.
30:46
Speaker 4: I love my job too much to leave because that
30:49
Speaker 4: might happen. Great, you've got further clarity, you know where
30:52
Speaker 4: you stand, or you might go and be like far out.
30:55
Speaker 4: That's exactly what I was looking for. I've met a
30:57
Speaker 4: few people in the team. I think they're elite, really
31:00
Speaker 4: want to work with them. The remuneration is great. Like,
31:02
Speaker 4: I just don't think there's any shame in shopping around
31:04
Speaker 4: if you feel that way, and like, that's kind of
31:06
Speaker 4: on your employer for not meeting your needs.
31:08
Speaker 2: So true.
31:09
Speaker 5: Oh my goodness, I think that's where we've got to
31:11
Speaker 5: leave it.
31:12
Speaker 2: One little sneaky surprise to you. Before the end of
31:14
Speaker 2: the year, you thought that this show was over.
31:16
Speaker 5: Usually you just closed the show. I just closed the
31:18
Speaker 5: show we had done.
31:19
Speaker 2: Guess what though, I'm the producer, so I'm here. Oh,
31:23
Speaker 2: we've been working away on a little something something well
31:27
Speaker 2: myself the fabulous shout out to Sam.
31:30
Speaker 5: Jesse, you've been involved in this.
31:31
Speaker 6: I have no idea.
31:33
Speaker 2: This is a complete surprise, but I want to shout
31:35
Speaker 2: out Sam and Ryan to our amazing other audio producer guys.
31:40
Speaker 5: I believe they're.
31:40
Speaker 2: Called We just thought. I don't know. There's so many
31:42
Speaker 2: great moments that happen off Mike and I just thought
31:45
Speaker 2: that we'd surprise you guys with a little bit of
31:48
Speaker 2: a taste of behind the scenes.
31:50
Speaker 4: She's on the money on Is this like off Mike comments?
31:54
Speaker 2: I didn't quite make to cut. Oh, I think you're
31:57
Speaker 2: going to enjoy those. Oh no, everyone out there is
32:01
Speaker 2: going to really enjoy.
32:01
Speaker 5: It, so maybe we're not. This is in the spirit
32:04
Speaker 5: of New Year. K you me right. So whoever whoever
32:06
Speaker 5: said these comments.
32:07
Speaker 6: Was like in twenty for improvement, just rip the band
32:11
Speaker 6: aid off. Oh, let's do it.
32:16
Speaker 2: When it's time to record, she's on the money. The
32:18
Speaker 2: whole team rocks up, gets in the studio and has
32:21
Speaker 2: all their scripts ready. However, sometimes it can take a
32:25
Speaker 2: while to start and they don't seem to realize the
32:28
Speaker 2: mics are on.
32:29
Speaker 6: I don't think I'm on testing one too. I can't
32:32
Speaker 6: hear myself. Is it up?
32:34
Speaker 2: Great question?
32:37
Speaker 6: Can I hit you?
32:38
Speaker 1: Oh?
32:38
Speaker 5: You're welcome. I'm a fucking check genius, guys.
32:40
Speaker 2: I got a nude yodur in.
32:42
Speaker 4: It smells so good, but I don't it works.
32:46
Speaker 5: What did you say? What's that porn website?
32:48
Speaker 2: It's like the biggest one pornhub.
32:50
Speaker 6: Porn hup?
32:51
Speaker 4: Why do you guys know that's okay, so porn, Hello
32:56
Speaker 4: and welcome.
32:58
Speaker 6: I thought that was really can you just.
33:04
Speaker 5: She's lost her touch?
33:06
Speaker 2: But we do eventually get started. Unfortunately, the human body
33:10
Speaker 2: sometimes has a mind of its own, and it's no
33:13
Speaker 2: exception for our team.
33:15
Speaker 5: But I think the one thing I am going to
33:17
Speaker 5: burb too.
33:20
Speaker 2: No more coax ladies.
33:22
Speaker 4: Deeply enough to be able to say, oh my gosh,
33:25
Speaker 4: you can write I did it really quietly. This feels
33:29
Speaker 4: like it's going to be a wild one. So let's
33:31
Speaker 4: start off the way we always do. Can you tell
33:33
Speaker 4: us a little bit about.
33:35
Speaker 2: That's cute, although it's not always the humans and the
33:40
Speaker 2: team letting out a bit of gas. Victoria's dog Lucy
33:43
Speaker 2: is the silent member of the team in studio, silent
33:47
Speaker 2: and sometimes deadly.
33:49
Speaker 5: Whether that's an email that you sent to just did
33:52
Speaker 5: my dog just fast?
33:55
Speaker 4: So she just started I could sorry, I read it
34:00
Speaker 4: on Jess's face.
34:02
Speaker 2: Once that's out of the way, though, the girls get
34:04
Speaker 2: into recording, but it can be a struggle to get
34:06
Speaker 2: the words out.
34:08
Speaker 4: They will be chiming in intermittently. Intermittently we are intermittently.
34:14
Speaker 4: I want to ask the first question, which is why
34:17
Speaker 4: I can I have a voice sto see I can't
34:18
Speaker 4: even record a podcasts.
34:21
Speaker 2: And of course Victoria is always prepared, especially for her
34:25
Speaker 2: Friday Drinks intro.
34:27
Speaker 4: And we're going to help answer a very juicy money question.
34:31
Speaker 4: What's this week's question again all about Finder? Oh yeah yeah.
34:35
Speaker 4: And we're going to help answer another one of our
34:38
Speaker 4: juicy money questions, which this week.
34:40
Speaker 5: Is all about celebrating this moats.
34:42
Speaker 4: And we are going to be helping to answer a juicy,
34:45
Speaker 4: juicy money question, which this week is all about hold on,
34:49
Speaker 4: was it help?
34:50
Speaker 2: This one is all about.
34:53
Speaker 5: Being paid for only yep.
34:55
Speaker 2: Otherwise the team is incredibly professional, except for when they're not.
35:00
Speaker 5: I like the sound of the peg situation. You do
35:04
Speaker 5: you like a good peg? I did not realize what
35:11
Speaker 5: I just said.
35:14
Speaker 6: But if you're in somewhere like India or Bali and
35:17
Speaker 6: so many people are like, oh I'll ship my pants
35:20
Speaker 6: if I probably.
35:23
Speaker 5: Don't, George, what is it? Time for it's money dilemma time.
35:31
Speaker 5: That introduction felt very much like which window are we
35:34
Speaker 5: gonna do?
35:36
Speaker 6: Any other tips? There?
35:37
Speaker 3: VD?
35:40
Speaker 5: Have you got any tips you travel your stinge?
35:43
Speaker 2: We can't wait for more chaos and fun with She's
35:46
Speaker 2: on the Money in twenty twenty three. See you next year. Oh,
36:07
Speaker 2: Georgia King, she did love to talk about ship stories.
36:12
Speaker 5: Apparently I swear like a trooper.
36:15
Speaker 2: I can tell you that you absolutely do.
36:19
Speaker 5: Thank you for that was a lot of fun, Jess.
36:22
Speaker 4: I feel like you did not get thrown under the
36:24
Speaker 4: bus nearly as much as you should have been.
36:26
Speaker 6: Because I'm a delight.
36:28
Speaker 4: Yeah. I am going to be taking that up with
36:32
Speaker 4: Sam and Ryan later and where that is, and then.
36:35
Speaker 5: I'm going to make her show reel of stuff.
36:37
Speaker 2: Jess said, Well, so many good moments, so much fun
36:41
Speaker 2: this year, ladies, and we will now we are actually done.
36:45
Speaker 2: I think I think I can say that.
36:46
Speaker 5: We're done that all right, We're done. See you next year, guys. Happy, Yeah,
36:56
Speaker 5: did buy shared on cheese.
36:57
Speaker 4: On the Money is general in nature and does not
37:00
Speaker 4: consider your individual circumstances. She's on the Money exists purely
37:04
Speaker 4: for educational purposes and should not be relied upon to
37:07
Speaker 4: make an investment or financial decision. If you do choose
37:10
Speaker 4: to buy a financial product, read the PDS TMD and
37:13
Speaker 4: obtain appropriate financial.
37:15
Speaker 5: Advice tailored towards your needs.
37:17
Speaker 4: Victoria Divine and She's on the Money are authorized representatives
37:21
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