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MONEY DIARIES: Two immigrants have completely changed their stories and call Australia home · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:23
  Speaker 2: Hello and welcome to She's on the Money, the podcast
• 0:26
  Speaker 2: for millennials who won financial freedom. My name is Tony
• 0:30
  Speaker 2: Lodge and joining me for another shot back money Diary
• 0:33
  Speaker 2: is Miss Victoria Divine.
• 0:34
  Speaker 3: Hello, Hello and welcome, but also goodbye, Tony.
• 0:41
  Speaker 4: Well, I mean the cat's out of the bag.
• 0:46
  Speaker 3: No, Tony, why is this episode? Obviously it's going to
• 0:50
  Speaker 3: be a special episode. We say that at the start
• 0:52
  Speaker 3: of every single week. I don't know what it's about yet,
• 0:56
  Speaker 3: but it's an extra special episode.
• 0:59
  Speaker 4: Why Well, today is my last money Diary.
• 1:03
  Speaker 3: Oh, Tony is going on to bigger and better things,
• 1:07
  Speaker 3: and obviously we couldn't be more proud of her, and
• 1:10
  Speaker 3: obviously with Kepta around as long as we have.
• 1:13
  Speaker 4: But it's Tony's last money Diary.
• 1:17
  Speaker 3: So I hope this is a goodie and you've like
• 1:19
  Speaker 3: saved something really special up so that you can blow
• 1:23
  Speaker 3: it out of the water.
• 1:24
  Speaker 4: This is an amazing money diary. You are gonna love it.
• 1:27
  Speaker 2: And the roller coaster is just it's gonna be tip top,
• 1:31
  Speaker 2: I promise.
• 1:32
  Speaker 3: All right, all right, well let's jump straight in. I
• 1:34
  Speaker 3: cannot wait, Tony, can you read up this week's money
• 1:37
  Speaker 3: diarists email for me.
• 1:39
  Speaker 2: All right, here we go. At the age of twenty five,
• 1:42
  Speaker 2: I finished my bachelor's in physio in my home country,
• 1:45
  Speaker 2: Brazil and immigrated to Australia to start a new life
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  Speaker 2: with my new Zealander partner. Ooh, that was back in
• 1:53
  Speaker 2: twenty nineteen, when we were about ten thousand dollars in
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  Speaker 2: personal debt. But also really happy that after one year
• 1:59
  Speaker 2: of life long distance, we could physically be together. Oh sure,
• 2:04
  Speaker 2: I came here to Australia with no job, no savings
• 2:08
  Speaker 2: and a degree yet to be accredited. However, confident that
• 2:11
  Speaker 2: my partner and I had a whole future ahead of us.
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  Speaker 2: Two and a half years later, here we are two
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  Speaker 2: immigrants that just applied for their permanent residency together with
• 2:21
  Speaker 2: a six digit investment portfolio, what an emergency account and
• 2:27
  Speaker 2: looking forward to buying a home and having kids in
• 2:29
  Speaker 2: the near future.
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  Speaker 4: Hold up in like two years? No, no, no, no.
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  Speaker 2: I know there are a lot of millennial immigrants in Australia,
• 2:37
  Speaker 2: such as myself and my partner, and I'd love to
• 2:40
  Speaker 2: share my money story with them, The story of a
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  Speaker 2: girl whose life completely changed for the better when she
• 2:45
  Speaker 2: decided to call this beautiful country home.
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  Speaker 4: Oh and now she's going to live with us permanently, Tony.
• 2:51
  Speaker 2: And actually she mentioned that she lives in Sydney and
• 2:54
  Speaker 2: she's about to buy a house, so she must be predicted.
• 2:56
  Speaker 3: Probably she married Reached Tony. We were onto her as always.
• 3:02
  Speaker 3: O Moneyarist is on the line and wants to read
• 3:05
  Speaker 3: butt your comments.
• 3:07
  Speaker 4: You didn't just marry Reach, did you?
• 3:13
  Speaker 5: That would be so amazing if he came with you know,
• 3:16
  Speaker 5: like he's amazing a little good. The guy's hands, funny
• 3:21
  Speaker 5: the way he is a wonderful partner and also roots.
• 3:24
  Speaker 4: But now you never get the trifactor, do you. It's
• 3:27
  Speaker 4: not like you lucked out though for most parts. And
• 3:31
  Speaker 4: it sounds like you don't even need it.
• 3:33
  Speaker 5: I don't allow the man to spend. I just don't
• 3:35
  Speaker 5: allow the men to spend. That's pretty much all right.
• 3:40
  Speaker 3: Well, money Diarist, how about we get straight into it.
• 3:43
  Speaker 3: I would love to know what is your attitude towards money?
• 3:48
  Speaker 5: Well? I believe that now I have a pretty positive
• 3:51
  Speaker 5: attitude towards money. It hasn't always been that way though,
• 3:55
  Speaker 5: I growing up, my family never had much. You know.
• 4:01
  Speaker 5: I'm from a family with six children and my parents.
• 4:04
  Speaker 5: They got separated when my mom I was still pregnant
• 4:07
  Speaker 5: with my younger sister. And yeah, luckily we always had
• 4:12
  Speaker 5: everything that we needed. We always had you know, full timmy,
• 4:15
  Speaker 5: a roof over our heads and warm clothes, but we
• 4:20
  Speaker 5: also you know, didn't have a lot of things. I
• 4:23
  Speaker 5: moved out of home to go to UNI when I
• 4:26
  Speaker 5: was eighteen, so just to add a little bit of contact,
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  Speaker 5: I grew up in Brazil in a sort of mid
• 4:31
  Speaker 5: size city with not much university structure, and I went
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  Speaker 5: to UNI in the capital of this stage that was
• 4:39
  Speaker 5: about an hour and twenty minutes drive away from my
• 4:43
  Speaker 5: family's house. So I had to move there, and I
• 4:47
  Speaker 5: was really privileged that I got a lot of government
• 4:49
  Speaker 5: support to be able to afford accommodation, food and also
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  Speaker 5: I always worked, so yeah, during that time, was really difficult,
• 4:59
  Speaker 5: you know, to deal with money because I would look
• 5:02
  Speaker 5: at my bank account and basically, if I was to
• 5:05
  Speaker 5: buy a five here eyes hey ice is the currency
• 5:07
  Speaker 5: in Brazil five here eyes's neck between breaks, I wasn't
• 5:11
  Speaker 5: going to have enough money to take the transport to
• 5:13
  Speaker 5: go to see my family in the weekend, so you know,
• 5:16
  Speaker 5: I had to budget to every single cent, but that
• 5:20
  Speaker 5: they teach me a lot. And you know, I think
• 5:22
  Speaker 5: he definitely contributed a lot with the fact that now
• 5:25
  Speaker 5: that I have so much more than I actually need,
• 5:28
  Speaker 5: we are, you know, being able to do you know,
• 5:31
  Speaker 5: such a good thing out of all that is happening
• 5:33
  Speaker 5: now for me and my partner. Yeah, so now I
• 5:36
  Speaker 5: think the attitude is definitely much more positive because I
• 5:39
  Speaker 5: really try now to not go back to the situation again. Way.
• 5:43
  Speaker 5: If I look at my bank account, you know, I
• 5:45
  Speaker 5: only have enough money to really survive until the next week.
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  Speaker 5: Now now things are not that way anymore, and it
• 5:51
  Speaker 5: just feels so good.
• 5:54
  Speaker 3: What a story money, Darius. You said in your email
• 5:58
  Speaker 3: to us that you've moved from Brazil and you've gotten
• 6:00
  Speaker 3: a UNI degree and we don't know.
• 6:03
  Speaker 4: Much more than that. Now, what do you do for work?
• 6:06
  Speaker 4: How much money do you earn?
• 6:07
  Speaker 5: So I currently work on your soft Wales health not
• 6:12
  Speaker 5: as a feasier though, and I am an aging min
• 6:15
  Speaker 5: officer over there. My permanent positions is eight officer. At
• 6:19
  Speaker 5: the moment, I'm acting as aman supervisor in outpacing department.
• 6:24
  Speaker 5: I've been doing that for the last couple of months,
• 6:26
  Speaker 5: covering leaves and I'll probably do it until at least
• 6:29
  Speaker 5: the twenty first of December. So my normal wage, like
• 6:33
  Speaker 5: my permanent positions wage that is sixty five thousand.
• 6:37
  Speaker 4: Dollars wow, oh my gosh.
• 6:40
  Speaker 5: And acting as agent supervisor they paid seventy thousand dollars
• 6:46
  Speaker 5: per year, so at the moment I'm only seventy thousand.
• 6:49
  Speaker 5: A little bit of a pay rise over there. Oh win, Yeah,
• 6:53
  Speaker 5: pretty good risk. That's definitely obviously before text, but not
• 6:58
  Speaker 5: including supreme rite.
• 6:59
  Speaker 4: Oh great, So souperannuations on top nice?
• 7:02
  Speaker 5: Ten percent on top. We don't get more than ten
• 7:04
  Speaker 5: percent unfortunately for your software with health. I'm not complaining though.
• 7:09
  Speaker 5: That's pretty good.
• 7:10
  Speaker 3: Yeah, no complaints and cheekily, what does your partner do
• 7:14
  Speaker 3: and how much does he earn?
• 7:15
  Speaker 5: Oh wow? I was not prepared for that question.
• 7:19
  Speaker 3: Sorry, you don't have to tell us, but I'm gonna
• 7:22
  Speaker 3: later about how on earth you have one hundred thousand
• 7:24
  Speaker 3: dollars investment portfolio and I have a sneaky suspicion that
• 7:28
  Speaker 3: was joined, so like I need to the details them.
• 7:32
  Speaker 5: Yeah, so I'm more than happy to tell you what
• 7:35
  Speaker 5: he does. He's a government employee as well. He is
• 7:39
  Speaker 5: a correctional officer. But he the thing is with him,
• 7:43
  Speaker 5: he's been working full time on their job since a
• 7:46
  Speaker 5: port disy and he always, always, always have walked more
• 7:49
  Speaker 5: than one job. So the guy's a little bit of
• 7:51
  Speaker 5: our alcoholics. So yeah, he's normally and for like for
• 7:55
  Speaker 5: some time, he also did like pretty much two full
• 7:58
  Speaker 5: time job jobs at the same time. So yeah, he does.
• 8:02
  Speaker 5: He works a lot, and also he does a lot
• 8:04
  Speaker 5: of overtime as well, so when he does over time,
• 8:07
  Speaker 5: he gets paid much more like double or whatever that
• 8:10
  Speaker 5: is that they pay. I do know how much he's
• 8:13
  Speaker 5: earned from his last text return. It was nearly one
• 8:16
  Speaker 5: hundred thousand dollars.
• 8:17
  Speaker 4: Wow.
• 8:19
  Speaker 5: But it's because, like you know, he doesn't have a
• 8:21
  Speaker 5: bad he's a user. That's right, That's exactly the world
• 8:25
  Speaker 5: that I was looking for here.
• 8:27
  Speaker 4: Yeah, he's a hustler.
• 8:28
  Speaker 3: So money Diarist, what is currently your big money goal?
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  Speaker 5: Yeah, so at the moment, we are more focused at
• 8:35
  Speaker 5: investing because we still need to figure out a lot
• 8:37
  Speaker 5: of answers about the property buying. We definitely want to
• 8:40
  Speaker 5: own property. We want to This is something that we
• 8:43
  Speaker 5: want to do. Even though we really like investing, we
• 8:46
  Speaker 5: definitely want to own our home. You know where we're
• 8:48
  Speaker 5: going to raise our kids and all that stuff. However,
• 8:52
  Speaker 5: we don't want to own a home in Sydney. Don't
• 8:54
  Speaker 5: get me wrong, I love Sydney, but we plan to
• 8:58
  Speaker 5: actually have a family, you know, in bridgingal in software
• 9:01
  Speaker 5: is probably it's not in our plans, you know, to
• 9:04
  Speaker 5: buy an apartment in Sydney. Yeah. So, yeah, we at
• 9:09
  Speaker 5: the moment, we are more focused on, you know, achieving
• 9:11
  Speaker 5: our yearly goals, like we have the goal of every
• 9:13
  Speaker 5: year a minimum of forty thousand dollars we save and invest.
• 9:18
  Speaker 5: And yeah, so about the home, they still need to
• 9:21
  Speaker 5: figure out where we're going to buy. We still don't
• 9:23
  Speaker 5: rob it's a little bit hard to give up on
• 9:25
  Speaker 5: stable jobs as well. Yeah, for sure, you know, to
• 9:28
  Speaker 5: move away from Sydney. That is getting it's a little
• 9:31
  Speaker 5: bit tricky at the moment. And yeah, so by the
• 9:34
  Speaker 5: time we have kids, though, we want to have that
• 9:37
  Speaker 5: all a little bit more sorted. Yeah so for now,
• 9:40
  Speaker 5: the biggest money go it's really to keep doing you know,
• 9:43
  Speaker 5: like good making good decisions and achieving those investment goals
• 9:47
  Speaker 5: and hopefully to buy a home in some time in
• 9:49
  Speaker 5: the future.
• 9:50
  Speaker 3: It sounds like you've got it all together and you
• 9:52
  Speaker 3: know what you want and where you're going to invest
• 9:54
  Speaker 3: and what you're going to purchase and how it's all
• 9:56
  Speaker 3: going to work. Like I cannot wait to hear that
• 9:59
  Speaker 3: you've purchased it and you know you're having babies and
• 10:01
  Speaker 3: you're doing all of these things. Like that's so fun.
• 10:05
  Speaker 5: And can I tell you something, I'm really here, not
• 10:08
  Speaker 5: just like saying it. It's it's because of your money podcast. Really, yeah,
• 10:14
  Speaker 5: I know it's a lot of my hard work. It's
• 10:16
  Speaker 5: because I sat down, I'm excuding, I'm going after it.
• 10:19
  Speaker 5: I know you're gonna say that as well, because you
• 10:21
  Speaker 5: do that.
• 10:23
  Speaker 3: I think the victoria called out by a money diarist.
• 10:29
  Speaker 5: I feel like I know you for so long. You
• 10:31
  Speaker 5: have no idea because I've listened to the episodes, most
• 10:35
  Speaker 5: of them, I've listened to them multiple times. But yeah,
• 10:39
  Speaker 5: it's because, really, I was completely against investing in shares,
• 10:44
  Speaker 5: completely against it. I was like, no way. I used
• 10:47
  Speaker 5: to tell my partner, I'm not gambling my money. I
• 10:50
  Speaker 5: wake out for my money.
• 10:51
  Speaker 2: I'm not gonna gamble up Tony.
• 10:54
  Speaker 5: Now I love it. I tell everyone to do it.
• 10:56
  Speaker 5: I'm like, no, only say I'll tell you about money podcast,
• 11:01
  Speaker 5: you need to my.
• 11:03
  Speaker 3: That is honestly so sweet. But yes, I'm going to
• 11:05
  Speaker 3: tell you it was you. Like, I'm very grateful to
• 11:08
  Speaker 3: be in the position where I have been able to
• 11:10
  Speaker 3: share all that information and like that is obviously the
• 11:14
  Speaker 3: thing that gets me out of bed in the morning,
• 11:15
  Speaker 3: and I adore it. But if you're giving that information
• 11:19
  Speaker 3: to people who aren't ready to hear it, or don't
• 11:21
  Speaker 3: want it, or aren't interested or just like I can
• 11:23
  Speaker 3: do it on my own, like, it's all up to
• 11:26
  Speaker 3: you to actually do something with the information and further
• 11:29
  Speaker 3: educate yourself. Like, you can't just go start investing after
• 11:31
  Speaker 3: listening to my podcast. You have to work out what
• 11:34
  Speaker 3: you're going to invest in and how you're going to
• 11:36
  Speaker 3: do that. So, my friend, you did a lot of
• 11:38
  Speaker 3: this work. Ninety nine point ninety five percent.
• 11:40
  Speaker 4: If that was you, Oh, thank you.
• 11:43
  Speaker 3: This feels like a really silly next question, but it
• 11:47
  Speaker 3: is in the proper sequence. The question is do you
• 11:50
  Speaker 3: have any investments? We know the answer is yes, my friend,
• 11:54
  Speaker 3: What are they? How do they work? Tell us all
• 11:56
  Speaker 3: about it?
• 11:57
  Speaker 5: Yeah, so I have actually kept it. Raise them to
• 12:03
  Speaker 5: my God, And I said that way right?
• 12:07
  Speaker 4: All right, Tony grab A chair, we'll sit down. Do
• 12:09
  Speaker 4: you name like swallow?
• 12:11
  Speaker 5: Are you already? Okay? So I have so I have
• 12:16
  Speaker 5: the investments that I do myself, not including my partner,
• 12:21
  Speaker 5: and they are mostly micro investments really, So I have
• 12:26
  Speaker 5: about four hundred dollars invested into Spaceship and eighteen hundred
• 12:31
  Speaker 5: dollars invested into Ray. So my partner got some shares
• 12:36
  Speaker 5: with the company that he used to work for before
• 12:38
  Speaker 5: he became a government employee, and that was about five
• 12:43
  Speaker 5: thousand dollars that he's got. And because we do finances together,
• 12:46
  Speaker 5: you know, it was like, you know, let's do nearly
• 12:49
  Speaker 5: five thousand dollars for something else that she wants to do.
• 12:52
  Speaker 5: So we've got I've got about four thousand, five hundred
• 12:56
  Speaker 5: dollars in common sex pocket at the moment, because I
• 12:58
  Speaker 5: wanted to give it a try. That's to split, you know.
• 13:01
  Speaker 5: And they have a few little ETFs there.
• 13:03
  Speaker 4: Yes, they've got a lot of good options.
• 13:05
  Speaker 5: Yeah, yeah, And so we have our joint share portfolio
• 13:10
  Speaker 5: then my partner and I and at the moment that
• 13:13
  Speaker 5: is about one hundred and sixty five.
• 13:15
  Speaker 4: Oh that's a bit more than you told us. It
• 13:18
  Speaker 4: was in your email, my friends.
• 13:21
  Speaker 5: Yeah, it's what flutways of course, but you know it's
• 13:25
  Speaker 5: in the green side so far that's overall, like you know,
• 13:29
  Speaker 5: all together, all in that bucket.
• 13:31
  Speaker 3: How did you create that portfolio? Like before you said
• 13:34
  Speaker 3: you had comsex pocket. You're not doing that on comsex pocket,
• 13:38
  Speaker 3: are you.
• 13:39
  Speaker 5: No? No, So the that is in common tech, but
• 13:41
  Speaker 5: like it's in ets like a few bantfs, a few
• 13:45
  Speaker 5: water ETFs, and a few individuals talks. We also have
• 13:48
  Speaker 5: some shares in Facebook and some shares in ubok that
• 13:51
  Speaker 5: those were the first two couple that we bought because
• 13:54
  Speaker 5: we're like, okay, we have big fans of Facebook and
• 13:56
  Speaker 5: your bullets do that and now it's it's more of
• 13:58
  Speaker 5: a really silly but it was actually not bad because yeah,
• 14:02
  Speaker 5: you know they're performing well. But yeah, so it's like
• 14:06
  Speaker 5: a mix of you know, all those those things.
• 14:09
  Speaker 3: Wow, one hundred and sixty five thousand dollars.
• 14:14
  Speaker 5: And that was done. You know, we started in January
• 14:16
  Speaker 5: twenty twenty.
• 14:18
  Speaker 3: Okay, you've got to tell us how are you doing
• 14:20
  Speaker 3: this each month? Are you investing all of your income?
• 14:24
  Speaker 3: Like where is this money coming from? Especially because you
• 14:28
  Speaker 3: said before, like I'm just doing some maths. My friend,
• 14:31
  Speaker 3: your partner last year had a taxable income of just
• 14:34
  Speaker 3: under one hundred thousand dollars and you had a taxable
• 14:38
  Speaker 3: income of seventy thousand dollars pre tax.
• 14:41
  Speaker 4: How does this add up? Where where is your money
• 14:45
  Speaker 4: coming from?
• 14:46
  Speaker 5: So if I do give you all the entire timeline,
• 14:48
  Speaker 5: I moved here to I moved to Australia to list permanently.
• 14:52
  Speaker 5: I've been here before, but you know, I moved back
• 14:54
  Speaker 5: to be with him on February twenty nineteen. I couldn't
• 14:59
  Speaker 5: work for three month my three first months here for
• 15:02
  Speaker 5: visa reason standing, and then I could work full time
• 15:05
  Speaker 5: after that period of time. So then I started looking
• 15:08
  Speaker 5: for jobs. I walked two jobs back then, and he
• 15:11
  Speaker 5: also worked two jobs. For a very long time. We
• 15:15
  Speaker 5: had sent out about US eight nine thousand, about nine
• 15:18
  Speaker 5: thousand dollars actually worked off that during that time. We
• 15:23
  Speaker 5: finished paying off that that probably end of August twenty nineteen,
• 15:28
  Speaker 5: and then we started saving.
• 15:30
  Speaker 2: Wow.
• 15:31
  Speaker 5: Yeah, and then we started saving on a context where
• 15:33
  Speaker 5: we were both working sixty hours per week. We didn't
• 15:36
  Speaker 5: even have time to go out for food, to travel.
• 15:39
  Speaker 5: We didn't have the time and energy to really do.
• 15:41
  Speaker 4: Anything or to spend the money yeah.
• 15:43
  Speaker 5: Or to spend the money, that's right. I think first
• 15:45
  Speaker 5: time that I bought clothes for myself was like a
• 15:47
  Speaker 5: couple of months ago.
• 15:48
  Speaker 4: Oh my gosh.
• 15:49
  Speaker 3: So it was hard work, determination and just both being hustlers.
• 15:53
  Speaker 3: It's not just your partner, you are as well.
• 15:56
  Speaker 5: And I should also actually have mentioned, and I'm sorry
• 15:59
  Speaker 5: I forgot your men, and that I also have a
• 16:02
  Speaker 5: side hustle on Sundays. I work on Sundays. I've done
• 16:05
  Speaker 5: that for six weeks before lockdown and I I'm back
• 16:07
  Speaker 5: doing that again. Yeah, and I've done a little bit
• 16:11
  Speaker 5: of you know, like working weekends, and that's where my
• 16:14
  Speaker 5: spaceship and hate and raise little investments. That's that's where
• 16:17
  Speaker 5: they came from. Because that money I basically don't say then,
• 16:20
  Speaker 5: you know, I just checked them into those little micro
• 16:24
  Speaker 5: investing platforms because I want to see what they're going
• 16:26
  Speaker 5: to do for me and that money. I actually plan
• 16:28
  Speaker 5: to get that out to be able to go home
• 16:29
  Speaker 5: once this you know, whole COVID situation.
• 16:32
  Speaker 4: Yeah, so it doesn't have to come out of your saving.
• 16:34
  Speaker 5: That is right, And it doesn't have to come out
• 16:36
  Speaker 5: of five joint money for our future goals. You know,
• 16:39
  Speaker 5: we can I can actually just get that out of
• 16:42
  Speaker 5: the little extra things so I can still see my family.
• 16:44
  Speaker 5: It's an expensive trip, right go into Brazil.
• 16:46
  Speaker 4: So expensive?
• 16:48
  Speaker 5: Yeah, yeah, so right now as well, the visit situation thing,
• 16:55
  Speaker 5: we are very lucky that the visa process that we
• 16:59
  Speaker 5: have to do, we don't we didn't need to pay
• 17:01
  Speaker 5: eight thousand dollars and that you know, in one goal,
• 17:03
  Speaker 5: we actually pay twenty percent and the other eighty percent
• 17:06
  Speaker 5: is going to go afterwards because my partner is actually
• 17:10
  Speaker 5: the applicant and I am the secondary applicant and they
• 17:13
  Speaker 5: do this little good thing for the QC for musical
• 17:16
  Speaker 5: Oh sneaky.
• 17:19
  Speaker 4: I love that.
• 17:21
  Speaker 5: Yeah, so, I really love the way that Immigration has
• 17:25
  Speaker 5: done that because you know, it just makes a little
• 17:27
  Speaker 5: bit easier for them, and they're so much nicer your
• 17:30
  Speaker 5: cousins from across the sea.
• 17:33
  Speaker 4: True, true, true.
• 17:35
  Speaker 3: All right back on track with questions, because I want
• 17:38
  Speaker 3: to keep talking to you, but I know we have
• 17:40
  Speaker 3: to smash through these. This feels like a silly question,
• 17:44
  Speaker 3: Tony money direst. Do you have any debt?
• 17:47
  Speaker 5: No? Because my financial Sorry I should not say that
• 17:50
  Speaker 5: you are a financial advice but I feel like you
• 17:52
  Speaker 5: were a little bit but you haven't did any part,
• 17:54
  Speaker 5: no financial device, but you have promised so much. Anyway, well,
• 17:57
  Speaker 5: I should not have that, if I write, I should
• 17:59
  Speaker 5: pay that first before I invest it. Don't.
• 18:02
  Speaker 3: So you're going to become a financial advisor Yourselfzella.
• 18:08
  Speaker 4: It's fine.
• 18:09
  Speaker 3: It sounds like you're probably better at giving investment advice
• 18:12
  Speaker 3: than I am.
• 18:12
  Speaker 4: Right now.
• 18:14
  Speaker 3: No, no, no, like I love it money dost Next question,
• 18:19
  Speaker 3: do you use shop back?
• 18:22
  Speaker 5: I do? I do. I'm not the kind of person
• 18:25
  Speaker 5: that really shops, as you can tell so far. It's
• 18:27
  Speaker 5: really actually terrible that I don't shop. Sometimes you have
• 18:31
  Speaker 5: to write. But anyway, I when I do, like especially
• 18:35
  Speaker 5: buying things for the house and Christmas gifts and stuff
• 18:38
  Speaker 5: like that. Yeah, so I definitely use chop back.
• 18:42
  Speaker 3: It's really handy. I feel like even someone who is
• 18:45
  Speaker 3: as good at investing in saving as you, that's a
• 18:48
  Speaker 3: tool that people just use because they're being smart with
• 18:51
  Speaker 3: their money. It's not about buying clothes and shoes and
• 18:54
  Speaker 3: being frivolous. It's actually about being a little bit savvy
• 18:56
  Speaker 3: when you do have to buy things online.
• 18:59
  Speaker 5: That's right, Why not I'd get a film for dollars back?
• 19:01
  Speaker 4: You know, Gus genius. That's money you can invest.
• 19:05
  Speaker 3: Ask your money Tony. All right, The next question I
• 19:11
  Speaker 3: have for you money direst and I feel like we'll
• 19:13
  Speaker 3: learn a lot from this one.
• 19:15
  Speaker 4: What is your best money habit?
• 19:17
  Speaker 5: That's money? Well, I don't spend.
• 19:19
  Speaker 3: I think you're just really good at saving money. You
• 19:23
  Speaker 3: are who I aspire to be.
• 19:26
  Speaker 5: I'm really good and I spending. I peck my lunches.
• 19:28
  Speaker 5: So before I even leave the house, if I'm tired
• 19:31
  Speaker 5: and I don't cook on the next day, I think, okay,
• 19:34
  Speaker 5: what can be my neck then for lunch? Because I
• 19:37
  Speaker 5: know if I will spend probably fifteen dollars to eat
• 19:41
  Speaker 5: at work, and I'm sorry, I don't want to speak
• 19:44
  Speaker 5: badly about my workplace for the food that is no good.
• 19:49
  Speaker 4: That's fair. I feel like that's pretty common.
• 19:51
  Speaker 3: But we still, if we haven't packed lunch, spend fifteen
• 19:54
  Speaker 3: dollars on the not good food.
• 19:56
  Speaker 5: Yeah, that is right. Yeah, and it feels hot spending
• 20:00
  Speaker 5: in terrible Yeah, totally.
• 20:04
  Speaker 3: Like if it was fifteen dollars for like the best
• 20:06
  Speaker 3: meal you've ever had, you'd never regret that. But if
• 20:09
  Speaker 3: it's bad food, you're like, oh, I could have just
• 20:11
  Speaker 3: done so much better.
• 20:12
  Speaker 2: And it's always a stale sandwich or something like. It's
• 20:15
  Speaker 2: never something fancy.
• 20:18
  Speaker 5: Yeah, that's right. And you know, like I sometimes it's
• 20:21
  Speaker 5: like literally, if I have toast that it's not that's
• 20:25
  Speaker 5: money that I'm not spending. And it's actually fine, you know,
• 20:28
  Speaker 5: I know already helped past the paste, like you know
• 20:31
  Speaker 5: what I mean, it's not going to be disappointing. And
• 20:33
  Speaker 5: I'm not saying totally yeah. And I also but I'm
• 20:37
  Speaker 5: actually I'm generally pretty good. I do Miley Spoon, by
• 20:40
  Speaker 5: the way, so we need to so we always have
• 20:45
  Speaker 5: our meals my apartment, I you know, always have our
• 20:48
  Speaker 5: meal spectacle work exactly because that it's all organized. We
• 20:52
  Speaker 5: normally don't have takeaways many times as well, once or
• 20:55
  Speaker 5: twice a week. And my apartment is really good at
• 20:59
  Speaker 5: He's not very materialistic person. So even his phund oh
• 21:03
  Speaker 5: my god, for me to convince the man that he
• 21:06
  Speaker 5: needed a new phone because even the battery was not
• 21:09
  Speaker 5: lasting anymore. The website, though we do have a few differences,
• 21:14
  Speaker 5: they are for the cultural differences because he vented a
• 21:17
  Speaker 5: lot of experiences. So if he feels like, Okay, I
• 21:21
  Speaker 5: want you to go out tonight and had some fun
• 21:23
  Speaker 5: and spend a thousand dollars. He doesn't think that's too
• 21:25
  Speaker 5: much money to spend. Uh huh, you know.
• 21:28
  Speaker 4: Yeah, and yeah, if I.
• 21:30
  Speaker 5: Go out and spend one hundred bucks, I'm like, oh
• 21:31
  Speaker 5: my god, unaccepted the unacceptable behavior. Black cocktail is not worth.
• 21:39
  Speaker 3: Yeah, exactly. So to compare that, what is your worst
• 21:44
  Speaker 3: money had it?
• 21:45
  Speaker 5: I probably have more the Sims expensive texts than I should.
• 21:49
  Speaker 4: Oh so you like playing the SIMS.
• 21:51
  Speaker 3: That is not what is absolutely not what I expected
• 21:56
  Speaker 3: you to say.
• 21:58
  Speaker 4: So you're you're telling.
• 22:00
  Speaker 2: Us money dorits that your worst money have it is
• 22:02
  Speaker 2: that you buy the Sims expense.
• 22:07
  Speaker 4: I am money doorrist. We have that in common.
• 22:13
  Speaker 3: I had to buy so during lockdown, I had to
• 22:17
  Speaker 3: find something to break up the day, and I downloaded
• 22:20
  Speaker 3: the SIMS on my partner's PlayStation. It's so expensive. And
• 22:24
  Speaker 3: then I wanted the Christmas pack, and I wanted the
• 22:26
  Speaker 3: Pets pack, and I wanted to be able to go
• 22:28
  Speaker 3: different places.
• 22:29
  Speaker 4: Like it's expensive.
• 22:31
  Speaker 5: People don't want to thank you. Be hard.
• 22:36
  Speaker 4: That's like my dirty little secret. I've never told anybody,
• 22:40
  Speaker 4: and here's me. You're just playing this year.
• 22:42
  Speaker 5: That is right. I have a hobby off a twelve
• 22:44
  Speaker 5: year old.
• 22:45
  Speaker 2: Okay, I am just I'm so rarely speechless, and I
• 22:50
  Speaker 2: can't believe that that's what you both just said.
• 22:53
  Speaker 3: If you do it on the PlayStation, you can visit
• 22:55
  Speaker 3: my house and I can visit your house like you
• 22:58
  Speaker 3: can come into my world?
• 22:59
  Speaker 4: Is good?
• 23:01
  Speaker 5: Please please let me? Yeah? No, but I and I
• 23:04
  Speaker 5: want them all. That's the problem. I can always just stify,
• 23:07
  Speaker 5: like you know, buying more the same stuff and always
• 23:11
  Speaker 5: and they so smart, like they break everything down, you know,
• 23:14
  Speaker 5: and then the it's fifty dollars, I have all the
• 23:17
  Speaker 5: expension takes guys.
• 23:19
  Speaker 4: No, But like also sometimes I bundle them.
• 23:21
  Speaker 3: So sometimes you can get like expansion in a bundle
• 23:25
  Speaker 3: and then you by yourself spending more money than you
• 23:27
  Speaker 3: wanted to spend because it was just good value.
• 23:30
  Speaker 4: Do I really want the same city living and get together?
• 23:33
  Speaker 3: But I really just need seasons as well, Like there's
• 23:36
  Speaker 3: a lot to it, guys.
• 23:38
  Speaker 5: Yeah, yeah, yeah. And I got on a point that
• 23:40
  Speaker 5: I cannot bundle anymore because you need to bundle, you
• 23:42
  Speaker 5: need an expansion against stuff, and I stuff back and
• 23:46
  Speaker 5: I already have all the expansions. That was not mad
• 23:48
  Speaker 5: of me, So I need to pay the full price
• 23:51
  Speaker 5: for the game stuff, and now I'm waiting for it
• 23:54
  Speaker 5: to go and to sell.
• 23:57
  Speaker 4: Yeah, no, I get it.
• 23:58
  Speaker 5: I'm a biction. I'm a different is like I wi.
• 24:03
  Speaker 4: I can't believe this. It's turned into Sims on the money. Honestly,
• 24:06
  Speaker 4: I don't know what's matter.
• 24:08
  Speaker 3: I think that this is is actually not that uncommon.
• 24:12
  Speaker 3: Like I feel like I've got a couple of girlfriends
• 24:15
  Speaker 3: and it's like all our sneaky little like I don't know,
• 24:18
  Speaker 3: we spend a lot of money on it, and it's
• 24:20
  Speaker 3: actually quite funny because I'm probably sending our money direst
• 24:24
  Speaker 3: down a rabbit hole.
• 24:25
  Speaker 4: She didn't need to. But did you know, like on.
• 24:26
  Speaker 3: Etsy you can buy houses, like you can buy like
• 24:30
  Speaker 3: houses that people have designed and.
• 24:33
  Speaker 4: You can have them important into your into your world.
• 24:37
  Speaker 3: So you can like buy a house that like someone
• 24:39
  Speaker 3: else has done, so you don't always have to like
• 24:41
  Speaker 3: rely on the Sims houses or the ones that you designed.
• 24:44
  Speaker 4: Yet.
• 24:44
  Speaker 5: I know about the ones for free that people share,
• 24:47
  Speaker 5: but I did not know you can buy you know,
• 24:48
  Speaker 5: you can buy them yeah and stuff?
• 24:51
  Speaker 2: Oh my god, Yeah, it's important to have hobbies.
• 24:55
  Speaker 4: I'll give you that. Thanks.
• 25:03
  Speaker 3: I'm trying I'm trying. Halloween has just gone. Maybe we
• 25:06
  Speaker 3: should have dressed up as like the SIMS characters and
• 25:09
  Speaker 3: gotten with your headvance, which you can also buy on Etsy.
• 25:13
  Speaker 2: You have gotten so distracted about the Sims chat you
• 25:17
  Speaker 2: haven't asked our money tarry about her grade.
• 25:20
  Speaker 4: So am I the only person concentrating now? I think
• 25:23
  Speaker 4: you're the only one that cares.
• 25:24
  Speaker 3: So I just we're going to take this offline, Tony.
• 25:29
  Speaker 4: What's the last question that we needed to.
• 25:31
  Speaker 2: Ask moneyitaris if we had to force you to give
• 25:34
  Speaker 2: your money habits A grade, what would you give yourself?
• 25:37
  Speaker 5: I would give myself for A I think.
• 25:39
  Speaker 2: Yes, I love it when looking themselves an A plus.
• 25:45
  Speaker 5: Yeah, no, no, no, why I think? I think mostly
• 25:48
  Speaker 5: because we still need to get sort of all this,
• 25:50
  Speaker 5: you know, our property goals and stuff like that. I
• 25:53
  Speaker 5: think those are thanks for us to still definitely. Yeah, Ever,
• 25:57
  Speaker 5: my mind's more clear about those things. I'm listening to
• 26:01
  Speaker 5: the Proper Playbook of course, great learning and Learney, I
• 26:05
  Speaker 5: love everything about it. Yeah. I think it's because right now,
• 26:08
  Speaker 5: until our permanent residency is granted as well, we's just
• 26:12
  Speaker 5: like you know, we still cannot do it. It's just
• 26:14
  Speaker 5: too expensive. As a foreign here, I could have I think,
• 26:16
  Speaker 5: my name just on the title, not on the loan,
• 26:19
  Speaker 5: and I'm not doing that. I'm only going for it
• 26:21
  Speaker 5: if I can do one hundred percent of the you know,
• 26:23
  Speaker 5: the whole thing. So yeah, so I think that's also
• 26:26
  Speaker 5: as well why we still have so many other things
• 26:28
  Speaker 5: to suit out, and obviously also because we still need
• 26:31
  Speaker 5: to get you know, probably more regional your software is
• 26:33
  Speaker 5: to decide where we want to move to our jobs
• 26:36
  Speaker 5: and all this other stuff. So yeah, that's why not
• 26:39
  Speaker 5: an A plus. But yeah, hopefully one day, well.
• 26:43
  Speaker 3: Maybe if you spent less money on SIMS expansion packs,
• 26:46
  Speaker 3: we could probably call urinate plus. But let's talk about
• 26:49
  Speaker 3: the SIMS a lot more.
• 26:52
  Speaker 5: On lines to my vers.
• 26:53
  Speaker 4: Okay, I'm sorry, I'm sorry. Right, we'll talk about it
• 26:56
  Speaker 4: after the break.
• 26:57
  Speaker 3: Jumping back into it money diary, I feel like we
• 27:00
  Speaker 3: have everything in common now and I'm very, very excited
• 27:04
  Speaker 3: about this, but I'd love to know how you've gone
• 27:07
  Speaker 3: essentially from zero to one hundred and sixty five thousand
• 27:10
  Speaker 3: dollars in a investment portfolio, and how you were confident
• 27:15
  Speaker 3: to go from being that person that said no investing
• 27:19
  Speaker 3: is gambling and now you're literally one of the biggest
• 27:22
  Speaker 3: advocates of it, Like, how has that happened?
• 27:24
  Speaker 4: What was your first step? And what can.
• 27:27
  Speaker 3: People listening to this money do I learned so that
• 27:29
  Speaker 3: they can essentially copy you, because we all want to
• 27:31
  Speaker 3: be you at this point.
• 27:32
  Speaker 5: Oh obviously we I don't think we have only made
• 27:37
  Speaker 5: good decisions, you know, in this process. I am I
• 27:41
  Speaker 5: think the conservative puzzle, you know. With my partner, he's
• 27:44
  Speaker 5: the one that wants to pick all the risks then
• 27:47
  Speaker 5: so confident about everything, and I'm always the person that
• 27:50
  Speaker 5: I'm like, Okay, let's have a look at that. Does
• 27:52
  Speaker 5: that sound like a good idea? Really? And all that stuff.
• 27:57
  Speaker 5: I think once I started listening to She's on the Money,
• 28:00
  Speaker 5: and then I started reading about you know, ats shares,
• 28:05
  Speaker 5: how does it work? I remember that there was an
• 28:08
  Speaker 5: episode that you you have recorded about the meats of investing.
• 28:13
  Speaker 5: Oh yeah, yeah, that one. That one was like, oh
• 28:16
  Speaker 5: my god, Like everything that people used to say, you
• 28:19
  Speaker 5: know and that are basically all myths. Really, yeah, she's right,
• 28:25
  Speaker 5: it doesn't make any sense thinking that.
• 28:28
  Speaker 4: I was so glad.
• 28:29
  Speaker 5: Yeah, so that gave me. Everything that you said was
• 28:33
  Speaker 5: like very inspirational to me and it made so much
• 28:36
  Speaker 5: sense that I started reading and I love the Money's
• 28:39
  Speaker 5: Mark website that you always recommend as well, so you know, yeah,
• 28:44
  Speaker 5: it's so good. Yeah, I read a lot from there,
• 28:48
  Speaker 5: you know, and the community as all this is on
• 28:50
  Speaker 5: the money community, reading about everyone's experiences and sharing ideas
• 28:54
  Speaker 5: and all that stuff. So I think the only thing
• 28:57
  Speaker 5: that made me secure before was really thinking that investing
• 29:01
  Speaker 5: in shares was the same as gambling, and when once
• 29:05
  Speaker 5: I understood and no, it's not. It's actually not even
• 29:09
  Speaker 5: close to gambling. It's like so so so different. Obviously,
• 29:13
  Speaker 5: there are risks. I'm not saying that there aren't risks.
• 29:16
  Speaker 5: And also, as I said, we did make a few
• 29:19
  Speaker 5: a couple of stupid decisions. My partner, for example, you know,
• 29:22
  Speaker 5: shares in one company that the thing just completely crushed
• 29:27
  Speaker 5: a couple of few days after and there was like
• 29:29
  Speaker 5: three thousand dollars that are now we're still down fifteen hundred,
• 29:33
  Speaker 5: fifteen hundred dollars. We're still down, you know, we're still
• 29:36
  Speaker 5: losing one thousand, five hundred dollars. So and yeah, so
• 29:40
  Speaker 5: there were a few mistakes in the way as well,
• 29:43
  Speaker 5: but I think overall we are learning a lot and
• 29:45
  Speaker 5: you know, we are actually doing things as slowly and
• 29:48
  Speaker 5: as we can. I think that that is not just
• 29:51
  Speaker 5: one company that he really believes on and that we
• 29:55
  Speaker 5: have a little bit more money invested on that one,
• 29:57
  Speaker 5: but our money is really splitting our across many different things.
• 30:01
  Speaker 5: So it's like exactly for the to diversified a lot
• 30:05
  Speaker 5: and tried to reduce their risk and all that stuff.
• 30:08
  Speaker 5: So yeah, and obviously it's been something that we are
• 30:11
  Speaker 5: doing consistently as well. I think that's what you always say,
• 30:15
  Speaker 5: you know, to consistently doing it. So we never wait like,
• 30:20
  Speaker 5: oh now we have fifty thousand dollars, let's invest. No,
• 30:23
  Speaker 5: we every month, we are doing a little bit, you know.
• 30:26
  Speaker 2: So to anybody that's listening that is feeling how you
• 30:30
  Speaker 2: felt before you started investing, what is the what is
• 30:34
  Speaker 2: the biggest piece of advice that you would give, Because
• 30:36
  Speaker 2: there's lots of people that are listening that are probably thinking,
• 30:39
  Speaker 2: oh no, I still think it's gambling, or I still
• 30:41
  Speaker 2: think that it's too risky. Would you just say listen
• 30:44
  Speaker 2: to that podcast or.
• 30:46
  Speaker 5: Absolutely first thing, first thing, listen to it and listen
• 30:50
  Speaker 5: to it. Actually hear what you're saying, you know, like
• 30:54
  Speaker 5: don't just listen to it, but pay attention on everything
• 30:57
  Speaker 5: that it's been said to you. That definitely the first thing.
• 31:01
  Speaker 5: And then go to the mine is my website. Please,
• 31:04
  Speaker 5: it's so nice, so easy, easy to understand as well,
• 31:07
  Speaker 5: everything is written that for you, such the words that
• 31:12
  Speaker 5: you don't understand. And then if you think, okay, I
• 31:14
  Speaker 5: think now I'm ready to invest two thousand dollars maybe,
• 31:18
  Speaker 5: and I'll have a look at something that looks pretty interesting,
• 31:22
  Speaker 5: like Victoria mentions. I have mentioned before about the blue
• 31:25
  Speaker 5: chip companies. Right, maybe have a look at an ETF
• 31:28
  Speaker 5: that has a bunch of blue chip companies and then's
• 31:30
  Speaker 5: performing well for a long period of time. Maybe give
• 31:34
  Speaker 5: it a try couple thousand dollars, you know, and wait
• 31:37
  Speaker 5: sometime and see what happens. And you're probably gonna see
• 31:40
  Speaker 5: your money growing. Yeah, And that's going to motivate you,
• 31:44
  Speaker 5: because when you see your money working for you, girl, Yeah,
• 31:48
  Speaker 5: that's when.
• 31:49
  Speaker 4: I need it working hard.
• 31:50
  Speaker 5: Yeah. And that's when you think, I'm not going to
• 31:53
  Speaker 5: buy that you know blouse that cost study dolls. Already
• 31:56
  Speaker 5: have so many in my wardrobe. I cannot justify that
• 31:58
  Speaker 5: thirty bucks. I bet as well, that's.
• 32:00
  Speaker 3: The advice I need for myself right now going back
• 32:04
  Speaker 3: to work after lockdown, I feel like maybe I need
• 32:07
  Speaker 3: a couple of new tops to make me feel excited
• 32:09
  Speaker 3: about going back to the office.
• 32:11
  Speaker 5: But the life is now as well, you know.
• 32:13
  Speaker 3: Yeah, okay, thank you, thank you money diarist. I have
• 32:17
  Speaker 3: another question you mentioned before the break that your partner
• 32:20
  Speaker 3: and you have very different backgrounds, Like for you, spending
• 32:23
  Speaker 3: one hundred dollars is massive and it feels like a lot,
• 32:27
  Speaker 3: and you feel guilty if it's not on the sims
• 32:30
  Speaker 3: and your partner can go out and potentially spend one
• 32:33
  Speaker 3: thousand dollars in the night and he's like, no, that's
• 32:35
  Speaker 3: a good night, Like I deserved that, and he's budgeted
• 32:37
  Speaker 3: for it. But I'm assuming you couldn't comprehend that. How
• 32:41
  Speaker 3: are you dealing with those different money stories in your relationship?
• 32:45
  Speaker 5: That was one of the biggest challenges in our relationship
• 32:48
  Speaker 5: was dealing with the you know, the perspectives on these things.
• 32:54
  Speaker 5: We have a few things that are amazing and macaus
• 32:56
  Speaker 5: it's strong as a couple, Like we have the same goals,
• 32:59
  Speaker 5: you know, we both want to own a home one day.
• 33:02
  Speaker 5: We both enjoy investing, we both want to have kids
• 33:04
  Speaker 5: and all that stuff. But you know, we had those differences.
• 33:08
  Speaker 5: We had to change the way that we do our
• 33:10
  Speaker 5: finances a couple of times until we got to the
• 33:14
  Speaker 5: point now where we both have a little bit of freedom.
• 33:17
  Speaker 5: You know, we we both we have our joint finances,
• 33:19
  Speaker 5: but we both also have money that he spends the
• 33:22
  Speaker 5: way that he prefers and I spend the way that
• 33:24
  Speaker 5: I prefer And to me, it took a long time
• 33:27
  Speaker 5: as well and a few therapy sessions to get on
• 33:31
  Speaker 5: a point where I actually trust that he's going to
• 33:34
  Speaker 5: continue committing with what he has told me that he
• 33:37
  Speaker 5: will be doing, not that he had that he went before,
• 33:40
  Speaker 5: and you know, we spent all our money now really not,
• 33:43
  Speaker 5: but just because you know those couple of times that
• 33:46
  Speaker 5: he went out with his friends and spent more than
• 33:48
  Speaker 5: I thought it was reasonable to me to for me
• 33:51
  Speaker 5: to build the trust again and like, okay, he's not
• 33:53
  Speaker 5: going to do that again. It took a while, and
• 33:56
  Speaker 5: took it took changing our finances set up a few times.
• 33:59
  Speaker 5: My partner comes from a he has a money story
• 34:02
  Speaker 5: that is very similar to mine. Yeah, a little bit
• 34:06
  Speaker 5: similar to mine. I wouldn't say very similar actually his
• 34:10
  Speaker 5: family also that they didn't have much either for kids.
• 34:15
  Speaker 5: He grew up in a tiny city in New Zealand,
• 34:17
  Speaker 5: mom working in the weekend so she could stay with
• 34:19
  Speaker 5: the kids during the week and dad working during the week.
• 34:23
  Speaker 5: And then you know, he has memoirs of like not
• 34:25
  Speaker 5: being able to go to a birthday of one of
• 34:28
  Speaker 5: his little friends because the parents couldn't buy a gift
• 34:31
  Speaker 5: and it was going to be embarrassed if he went
• 34:33
  Speaker 5: without taking a gift. So for him, growing up was
• 34:35
  Speaker 5: not like with abundance either. But he started he went
• 34:40
  Speaker 5: to army when he was seventeen and that was a
• 34:43
  Speaker 5: pretty good wage for seventeen year old. He stayed for
• 34:46
  Speaker 5: a few years and he didn't have an expenses pretty much.
• 34:49
  Speaker 5: So it was like out of their pay check, a
• 34:52
  Speaker 5: little bit of money for the accommodation, a little contribution
• 34:55
  Speaker 5: that they used to do, and a little bit for food.
• 34:58
  Speaker 5: And when they were doing missions overseas, he wouldn't even
• 35:01
  Speaker 5: get that charge from him. Everything was on the government.
• 35:04
  Speaker 5: So wow. Yeah, so he didn't have even the occasions
• 35:08
  Speaker 5: to spend as well, because they couldn't really go out
• 35:10
  Speaker 5: partying all the time. When you say that, yeah, so,
• 35:13
  Speaker 5: but once he left, he's blew all that money and
• 35:16
  Speaker 5: now as well everything that we are building together. So
• 35:19
  Speaker 5: I think for him it's the motivation comes a lot
• 35:22
  Speaker 5: from that because two years and eight months ago, before
• 35:26
  Speaker 5: I moved in, everything was just a mess and now
• 35:30
  Speaker 5: we actually have a structure for stuff. And I said
• 35:32
  Speaker 5: about I don't let the men spend, but I'm actually
• 35:35
  Speaker 5: it's something that I work with myself, So I am
• 35:38
  Speaker 5: not the controlling person that is controlling what he does,
• 35:41
  Speaker 5: you know what I mean, because yeah, definitely not that way.
• 35:43
  Speaker 3: Yeah, I think what I'm most impressed with is you
• 35:47
  Speaker 3: just told me a lot about your partner's money story.
• 35:50
  Speaker 3: And I don't think a lot of people actually know
• 35:53
  Speaker 3: their partner's money story so deeply, like to know, Yeah,
• 35:57
  Speaker 3: actually part of his money story of was not being
• 35:59
  Speaker 3: able to go to a part and that was, you know,
• 36:01
  Speaker 3: something that has shaped him and this is how he
• 36:03
  Speaker 3: spent money when he was eighteen and then this is
• 36:05
  Speaker 3: how it changed. Like to be honest, I don't like
• 36:08
  Speaker 3: I've spoken a lot with my partner about money stories,
• 36:10
  Speaker 3: but I just don't have those pinpoint details like you
• 36:14
  Speaker 3: have where I've been able to go, Okay, I can
• 36:17
  Speaker 3: see it from his perspective, and maybe that's because our
• 36:20
  Speaker 3: upbringing was relatively similar, so there's never been that need of,
• 36:24
  Speaker 3: you know, having that conversation. But I'm just so impressed
• 36:27
  Speaker 3: that you know so much about that and you're like, no,
• 36:29
  Speaker 3: I know what I need as well. You mentioned going
• 36:31
  Speaker 3: to therapy and getting through those things and that being
• 36:34
  Speaker 3: a really pivotal part of your relationship. And now once
• 36:38
  Speaker 3: you've gone through all that, you're obviously absolutely flying together.
• 36:42
  Speaker 3: And it doesn't mean you don't you know, have stumbling
• 36:44
  Speaker 3: blocks or have things that you're like, oh, he still
• 36:47
  Speaker 3: grinds my gears on that, but like you clearly have
• 36:49
  Speaker 3: a mutual respect for one another.
• 36:51
  Speaker 4: That's really beautiful. Like that is so cool.
• 36:54
  Speaker 5: Thank you. Yeah, it's definitely. It's been a long way.
• 36:59
  Speaker 5: I think. I think it's because the one ear of
• 37:02
  Speaker 5: long distance relationship was amazing for us in terms of communication,
• 37:07
  Speaker 5: because we had nothing else, you know, like we could
• 37:11
  Speaker 5: only talk and we used to have like three hours
• 37:14
  Speaker 5: conversations nearly every day and trying to work around as
• 37:20
  Speaker 5: well our schedulers and the fact that Brazil is thirteen
• 37:22
  Speaker 5: hours behind Australia time wise.
• 37:25
  Speaker 3: So you've got to be really committed to that relationship work.
• 37:30
  Speaker 5: So now we've built a really strong friendship and so
• 37:33
  Speaker 5: every problem, every problem that we have and everything that happens.
• 37:36
  Speaker 5: We do talk a lot, you know, we do. And
• 37:39
  Speaker 5: we had so many conversations about that because to me,
• 37:42
  Speaker 5: it was a non negotiable, you know what I mean,
• 37:44
  Speaker 5: like living life always fighting about that. I wasn't going
• 37:48
  Speaker 5: to be able to live that way, always having arguments
• 37:51
  Speaker 5: about the same thing. And I think it was a
• 37:53
  Speaker 5: little bit the same way, you know, like we needed
• 37:55
  Speaker 5: to get to the same page about that subject. And
• 37:59
  Speaker 5: now I think Quare and obviously Weny through safe things again.
• 38:02
  Speaker 5: It's done at once, why not we can do it again? Probably?
• 38:06
  Speaker 4: I love that.
• 38:08
  Speaker 3: So you're saying, to make my relationship stronger, I've got
• 38:11
  Speaker 3: to send Steve away as far as Brazil.
• 38:14
  Speaker 4: Yeah right, I'll take.
• 38:16
  Speaker 5: The poor man who thought.
• 38:17
  Speaker 3: I'll take that under consideration. I'll keep the pets for
• 38:20
  Speaker 3: the year. He can go live his best life over there.
• 38:23
  Speaker 3: I think it's a genius move that will only make
• 38:26
  Speaker 3: us stronger.
• 38:30
  Speaker 5: I love my country, don't get me wrong. And for
• 38:32
  Speaker 5: everyone listening, really go go to visits is amazing, But
• 38:37
  Speaker 5: for living don't do that to the moment for a
• 38:42
  Speaker 5: lot of reasons. Well, I would love.
• 38:44
  Speaker 4: To visit Brazil one day. I know Steve already has
• 38:47
  Speaker 4: and he loved it, so.
• 38:48
  Speaker 3: Hopefully he can take me back so easy.
• 38:52
  Speaker 5: How cool?
• 38:54
  Speaker 4: So just very quickly.
• 38:56
  Speaker 2: Obviously, you mentioned in your email that you're going through
• 38:58
  Speaker 2: the visa process, and I understand it's a little bit
• 39:01
  Speaker 2: different for your partner and you because he's a key
• 39:04
  Speaker 2: way and obviously we've got some you know, close friendship
• 39:07
  Speaker 2: there with our mates from across the ditch.
• 39:10
  Speaker 4: But how has that been for you?
• 39:12
  Speaker 2: Has it been really difficult and really hard because there
• 39:16
  Speaker 2: was times when you probably couldn't work full time and
• 39:18
  Speaker 2: stuff like that.
• 39:20
  Speaker 5: Yeah. So in terms of visa, first time that I
• 39:23
  Speaker 5: came to Australia, I came on a student visa. I
• 39:26
  Speaker 5: stayed for three semesters and I came with the scholarships
• 39:29
  Speaker 5: from the Brazilian government and that was the biggest monu
• 39:32
  Speaker 5: win of my life. Yeah, it was amazing. They paid
• 39:37
  Speaker 5: for the whole thing, seeing the whole thing. I did
• 39:41
  Speaker 5: three semesters of UNI. He it was one semester of
• 39:43
  Speaker 5: English and two semesters of UNI and unifies for international students.
• 39:48
  Speaker 5: You have heard already how expensive that. Yeah, just the
• 39:51
  Speaker 5: English course, it was twenty thousand dollars the thing.
• 39:55
  Speaker 2: Oh and the Brazilian government covered all of that, everything,
• 39:58
  Speaker 2: everything com and everything.
• 40:01
  Speaker 5: In terms of accommodation and student transport. They gave us
• 40:04
  Speaker 5: it was four hundred and twenty dollars per week. Then
• 40:07
  Speaker 5: we could use that my nature pay for you know,
• 40:09
  Speaker 5: rent and food, and we could work twenty hours, you know.
• 40:13
  Speaker 5: On the student visit that we had was the graduate visa,
• 40:16
  Speaker 5: we could actually work as well, twenty hours. And I
• 40:19
  Speaker 5: did a little bit of working back then. Yeah, so
• 40:23
  Speaker 5: I have had the experience of living here with as
• 40:26
  Speaker 5: a student visa. But I know how privileged I was
• 40:28
  Speaker 5: that I didn't have to worry about bills, paying unique,
• 40:30
  Speaker 5: paying school and all that stuff. And then after the
• 40:34
  Speaker 5: streets and Methadon went back to Brazil, we reconnected when
• 40:37
  Speaker 5: I was in Brazil. So that's why one year of
• 40:40
  Speaker 5: long distance. I was in Brazil for two years after
• 40:42
  Speaker 5: my exchange, but we worked together for one year of
• 40:45
  Speaker 5: this time because we reconnected, started talking and then all
• 40:49
  Speaker 5: that stuff. Yeah, and then when I came back, I
• 40:52
  Speaker 5: came on a visit to visit to apply a family
• 40:55
  Speaker 5: visa with him when I was in Australia, so I
• 40:57
  Speaker 5: couldn't work for those three first months for that reason,
• 41:00
  Speaker 5: and then after that I could already work full time.
• 41:03
  Speaker 5: I didn't have Medicare though, until we applied the permanent residency.
• 41:08
  Speaker 4: Oh wow.
• 41:09
  Speaker 5: Yeah, so obviously not complain at all, you know, paying
• 41:12
  Speaker 5: for health insurance. That's absolutely totally fine. Since we applied
• 41:16
  Speaker 5: the permanent residency two months ago, now I have Medicare
• 41:19
  Speaker 5: and all that, So really not complaining. And I also
• 41:23
  Speaker 5: to mention that we have the very privileged situation where
• 41:27
  Speaker 5: my first family visa was like not even four hundred dollars.
• 41:30
  Speaker 5: It was really cheap, yeah, as a family member of
• 41:33
  Speaker 5: a New Zealand citizen. And now when we applied for
• 41:36
  Speaker 5: the PR it was we paid the twenty percent first
• 41:40
  Speaker 5: for the two of us together, there was I think
• 41:43
  Speaker 5: nearly two thousand dollars something like that, and then the
• 41:46
  Speaker 5: next part, the next eighty percent there will be another
• 41:49
  Speaker 5: nearly six grants.
• 41:50
  Speaker 4: I think that's so expensive.
• 41:53
  Speaker 5: Yeah, but you know, you're talking about basically the citizenship
• 41:56
  Speaker 5: of a country like Australia for two people. I know
• 41:59
  Speaker 5: it's expended into and I know it's really difficult to
• 42:01
  Speaker 5: go through immigration there far. I am still living because
• 42:06
  Speaker 5: I was one of those unluckys, unlikely people that the
• 42:10
  Speaker 5: file is probably on the bottom of they draw somewhere,
• 42:13
  Speaker 5: and I'm still on a bridging visa, so I apply
• 42:15
  Speaker 5: to pament and residency before my New Zealand family visit,
• 42:19
  Speaker 5: even God granted. And yeah, and that those delays and stuff,
• 42:24
  Speaker 5: and I understand, I appreciate how busy the department is,
• 42:27
  Speaker 5: but you know, those delays they do cause you a
• 42:30
  Speaker 5: lot of anxiety as well, because my life, my partner,
• 42:33
  Speaker 5: you know, like my entire life, whole life. Yeah, I'm
• 42:36
  Speaker 5: not even willing to go to my country to visit
• 42:38
  Speaker 5: because I cannot be stuck there because my entire life
• 42:41
  Speaker 5: is here. So you know, it does cause you with
• 42:45
  Speaker 5: an immigrant, you have a few difficult things that you
• 42:48
  Speaker 5: go through that nobody knows, kind of like the exciting
• 42:52
  Speaker 5: about the immigrations is part of it. And obviously, you know,
• 42:56
  Speaker 5: missing a family the whole time. So two years and a.
• 42:58
  Speaker 4: Month, well that sounds really hard.
• 43:02
  Speaker 5: Yeah, it's a little bit difficult, I think, But at
• 43:05
  Speaker 5: the same time I do acknowledge, you know, all my
• 43:07
  Speaker 5: privilege around all those things.
• 43:10
  Speaker 3: Yeah, but at the same time, you've worked so hard
• 43:12
  Speaker 3: for this, and that's a level of stress and anxiety
• 43:15
  Speaker 3: that I can't understand because I've never been in that situation.
• 43:19
  Speaker 3: But I can't imagine being like, Okay, well, if I
• 43:22
  Speaker 3: do want to go see my family, then I could
• 43:26
  Speaker 3: get stuck there and I could actually not be able
• 43:29
  Speaker 3: to return. And there's obviously a lot to that, Like
• 43:32
  Speaker 3: it's in a way not fair, especially because you're doing
• 43:35
  Speaker 3: the process properly and you're going through it and you're
• 43:37
  Speaker 3: willing to pay for it, and you're contributing to our
• 43:39
  Speaker 3: economy and you're contributing to our society, and like, we're
• 43:42
  Speaker 3: so lucky to have people like you wanting to live
• 43:44
  Speaker 3: with us, Like how cool is that that people like
• 43:47
  Speaker 3: you are like, no, we want to come and live
• 43:49
  Speaker 3: in your country and do what we do, Like we're
• 43:53
  Speaker 3: the lucky ones.
• 43:55
  Speaker 5: Oh, thank you. That's really really nice to hear. But
• 43:58
  Speaker 5: you know, on that note, I always I've never felt
• 44:02
  Speaker 5: discriminated in Australia, which is very privileged. Good yeah to me.
• 44:07
  Speaker 5: And you know, I even in terms of workplace, I
• 44:11
  Speaker 5: did hear one or two comments a few times, you
• 44:13
  Speaker 5: know about yeah, because I do work for government right
• 44:17
  Speaker 5: in the public hospital. So sometimes you come across one
• 44:20
  Speaker 5: or two things, but overall, really like, I feel like
• 44:23
  Speaker 5: Brazilians are really welcome into Australia, Like we feel really
• 44:27
  Speaker 5: welcome me. And yeah, we have a lifestyle that's quite
• 44:30
  Speaker 5: similar to the Australian lifestyle, living outside, going to the beach,
• 44:34
  Speaker 5: doing barbecues and all that stuff. So it was not
• 44:37
  Speaker 5: hard for me to decide living here. And I know
• 44:40
  Speaker 5: how lucky I am seriously to be, you know, so
• 44:44
  Speaker 5: privileged to live in this Country's amazing country to live in.
• 44:47
  Speaker 3: Oh well, we're lucky to have you. But unfortunately, I
• 44:51
  Speaker 3: do think that that is all we have time for today.
• 44:54
  Speaker 3: So just before we head off, we'd like to acknowledge
• 44:57
  Speaker 3: and pay respect to Australia's Aboriginal and Torus right islander peoples.
• 45:02
  Speaker 3: They're the traditional custodians of the lands, the waterways and
• 45:05
  Speaker 3: the skies all across Australia. We thank you for sharing
• 45:09
  Speaker 3: and the caring for the land on which we.
• 45:11
  Speaker 4: Are able to learn.
• 45:12
  Speaker 3: We pay respects to elders past and present, and we
• 45:15
  Speaker 3: share our friendship and our kindness.
• 45:17
  Speaker 2: The advice shared on She's on the Money is generally
• 45:20
  Speaker 2: nature and does not consider your individual circumstances. She's on
• 45:24
  Speaker 2: the money exists purely for educational purposes and should not
• 45:27
  Speaker 2: be relied upon to make an investment or any financial decision.
• 45:31
  Speaker 2: And we promise that Victoria Devine is an authorized representative
• 45:35
  Speaker 2: of Australia Pacific Funds Management for prior to limited ABN
• 45:38
  Speaker 2: three four one three two four six three two five
• 45:41
  Speaker 2: seven AFSL three three nine one five one.
• 45:44
  Speaker 4: I'll see you next week, guys. But Tony, we'll see
• 45:47
  Speaker 4: you around boy.
• 45:49
  Speaker 2: Bye.
• 45:51
  Speaker 4: No, I'm just I'm so upset.
• 45:53
  Speaker 2: I finally remembered all those numbers and now I don't
• 45:55
  Speaker 2: need to read them again.
• 45:57
  Speaker 3: Well, I can get you in for guest episode, so
• 46:00
  Speaker 3: you can just do the end your next right, guys,