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MONEY DIARIES: 22, and a hefty inheritance · 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 want financial freedom. My name is Tony Lodge,
0:30
Speaker 2: and joining me for another shotback Money Diary is miss
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Speaker 2: Victoria Devine.
0:34
Speaker 3: Welcome, Miss Tony Lodge. Also welcome.
0:38
Speaker 2: Oh thank you for having me. As you can hear,
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Speaker 2: we are recording this episode in lockdown, which is you carry? Yes,
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Speaker 2: I am. I just said my name was Tony Lodge,
0:51
Speaker 2: but it's now Mariah Carey.
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Speaker 3: I love that. All right, Mariah? Can you read this
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Speaker 3: week's Money Diarist email to me?
0:58
Speaker 2: All right, here we go, Hey frands.
1:00
Speaker 4: Oh cute.
1:00
Speaker 2: She obviously loves She's on the Money. She said, Hey, friends,
1:03
Speaker 2: that's a vibe. That's vibe. I'm twenty two, a casual
1:07
Speaker 2: retail employee and primary teaching student, and I've had a
1:10
Speaker 2: hell of a year. Last year when COVID started, I
1:13
Speaker 2: had four hundred dollars to my name and I was stressed. Thankfully,
1:17
Speaker 2: because of job Keeper, I was able to save my job,
1:20
Speaker 2: but it was a massive wake up call for me.
1:22
Speaker 2: Spending money was such a comfort for me, and I
1:24
Speaker 2: would do it so mindlessly. Since then, I've saved about
1:27
Speaker 2: twenty thousand dollars, but i have constant anxiety about my money,
1:31
Speaker 2: and I'm in a push pull with myself of spending
1:34
Speaker 2: money impulsively and then gets so anxious that I'm ruining
1:37
Speaker 2: my financial future. Common In the last month, my dad died,
1:42
Speaker 2: I lost my job, and my boyfriend and I have
1:45
Speaker 2: broken up after five years together. My dad's death was
1:49
Speaker 2: really sudden and unexpected, and now my brother and I
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Speaker 2: are set to inherit a pretty hefty sum one and
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Speaker 2: a half million kind of hefty wow, which is crazy
1:58
Speaker 2: to us. Of course, we would give it all back
2:00
Speaker 2: to have our dad back with us, but now at
2:02
Speaker 2: twenty two and nineteen, we have to figure out what
2:04
Speaker 2: to do with the biggest amount of money we will
2:06
Speaker 2: probably ever see in our lives. Thanks for taking the
2:09
Speaker 2: time to read. You have changed my life. Ah So
2:14
Speaker 2: it starts off interesting and then just gets more and
2:17
Speaker 2: more interesting. And yes, she's about.
2:19
Speaker 3: To start and I have so many questions, like saving
2:22
Speaker 3: twenty grand is epic from four hundred dollars to twenty
2:24
Speaker 3: thousand dollars, but then overlaying all of that, like that's insane,
2:28
Speaker 3: Like that is so crazy. I know, how are you, friend.
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Speaker 4: I'm okay, I'm doing okay. I mean, it's been a
2:36
Speaker 4: lot to deal with at once, for sure, So I
2:40
Speaker 4: mean it comes and goes, especially being you know, in lockdown,
2:44
Speaker 4: I have a lot of time to think about my feelings. So,
2:46
Speaker 4: oh my.
2:47
Speaker 3: God, I'm one of those people that's always like believing
2:51
Speaker 3: in the universe and when something bad happens, I genuinely
2:55
Speaker 3: have this belief that it always happens in threes, like
2:57
Speaker 3: there's always three things. So if anything positive comes out
3:00
Speaker 3: of this is you've already had your three my friend, Like,
3:02
Speaker 3: that is your three bad things. Nothing else is going
3:05
Speaker 3: to go wrong, which is a positive. But like, oh,
3:08
Speaker 3: I'm so sorry to hear you've been experiencing that. That
3:11
Speaker 3: is horrendous.
3:13
Speaker 4: Yeah, it's been crazy, But I mean I think it's
3:15
Speaker 4: just like I totally agree with you. Everything comes in threes.
3:18
Speaker 4: I think it's the universe telling me that I need
3:21
Speaker 4: a clean slate and need to be out of my
3:23
Speaker 4: comfort zone and you know, take it as it comes.
3:26
Speaker 3: But yeah, oh my gosh, your mindset.
3:29
Speaker 2: I love you already, really really nice way of looking
3:32
Speaker 2: at it, Like, I think as well, the fact that yeah,
3:35
Speaker 2: and being in lockdown is just a cherry on top
3:38
Speaker 2: of a rappy run of things. And for you to
3:42
Speaker 2: be able to sit here and look at it like
3:44
Speaker 2: that is really really powerful and give me such an
3:47
Speaker 2: insight into the kind.
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Speaker 3: Of person I would not be as positive as you. Yeah,
3:52
Speaker 3: that is so special. Well, thank you for taking the
3:54
Speaker 3: time to share your story with us.
3:56
Speaker 4: I thank you for taking time to chat with me.
3:59
Speaker 3: Oh my gosh, of court. But let's get through the
4:01
Speaker 3: questions together and then we can have a deep dive
4:04
Speaker 3: I have. I have a lot of questions, but I
4:06
Speaker 3: also just want to hear how you are and what's
4:09
Speaker 3: going on. All right, let's dive straight in, my friend.
4:13
Speaker 3: First question is what is your attitude towards money?
4:17
Speaker 4: I think, like I said in my email, like a
4:20
Speaker 4: lot of my attitude towards money is anxiety. Like I
4:23
Speaker 4: feel very stressed when I get money, when I have
4:26
Speaker 4: to spend it. When I do spend it on things
4:29
Speaker 4: that I think I should be spending it on, I
4:30
Speaker 4: get stressed. Like car Regro like, oh my god, I
4:33
Speaker 4: can't believe I have to pay car Regro was like
4:35
Speaker 4: it's just part of you know. That's why I put
4:38
Speaker 4: money away, That's why I haven't you know money aside?
4:42
Speaker 4: And yeah, I think a lot of my money attitude
4:45
Speaker 4: is anxiety, and I just think that's just because of
4:49
Speaker 4: my money story, like just money in my life. It's
4:54
Speaker 4: just always been anxiety. So well, you know, we're getting there.
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Speaker 3: We'll get through that. We will work, we will work
5:01
Speaker 3: together to get through that way. Friendly, all right. Next question,
5:05
Speaker 3: I feel like is a bit of a slap in
5:07
Speaker 3: the face, but I apologize in advance, And that is
5:11
Speaker 3: what do you do for work? How much money do
5:13
Speaker 3: you earn?
5:14
Speaker 4: So I work in retail. Like I said, I have
5:17
Speaker 4: just lost my job, but I've just signed a contract
5:21
Speaker 4: with a new job, so not really a new job
5:23
Speaker 4: that's exciting.
5:24
Speaker 3: Well, I'm glad, I asked.
5:26
Speaker 4: Yeah. So I was working two jobs I lost, so
5:30
Speaker 4: I was doing four days a week with one one
5:31
Speaker 4: day week with the other. I lost my main source
5:34
Speaker 4: of income to my four day week job. And I've
5:37
Speaker 4: just signed a new contract with my job that i
5:39
Speaker 4: was working one day week. So I signed that a
5:43
Speaker 4: couple of weeks ago, and then lockdown happened, So I
5:46
Speaker 4: haven't really been working, but it has meant that I've
5:48
Speaker 4: been able to claim the government benefits because I can
5:52
Speaker 4: say that I've lost a certain amount of hours, So
5:55
Speaker 4: it was lucky in that sense that I had signed
5:58
Speaker 4: it just in time that I can say lost these
6:00
Speaker 4: hours so that I can claim the centering money. Would you, especially.
6:06
Speaker 3: During such a painful period, like you just need cash
6:09
Speaker 3: flow to come in so that you can manage to life.
6:13
Speaker 3: I'm so grateful to hear that. Yeah, all right. Next
6:17
Speaker 3: big question is what is currently your big money goal?
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Speaker 4: Like everyone, I think to buy a property. I think.
6:25
Speaker 4: I like, it's not I know it's not in the
6:28
Speaker 4: near future for me. I definitely won't be buying until
6:31
Speaker 4: I finish UNI. I know that I just wouldn't be
6:33
Speaker 4: able to facilitate alone until then, even if I did
6:36
Speaker 4: have the money to buy. So that's definitely the money
6:40
Speaker 4: goal in the long term. Yeah, or so just to
6:43
Speaker 4: be comfortable, like just to not have to worry about it.
6:47
Speaker 3: I like that goal. I like that goal. I yeah,
6:52
Speaker 3: I love that all right. So next question is do
6:55
Speaker 3: you currently have any investments.
6:58
Speaker 4: I don't. I mean, I have me super. So I
7:02
Speaker 4: put twenty dollars a month into my super, which is
7:05
Speaker 4: an investment into my retirement, and then I've got five
7:09
Speaker 4: hundred dollars in raise, but that's it. I do have
7:11
Speaker 4: a comset account, but I haven't invested anything yet.
7:14
Speaker 3: Oh but you're well on the way. You've already got
7:16
Speaker 3: money in investments.
7:17
Speaker 2: That's super exciting, super super exciting, super exciting.
7:22
Speaker 3: I can't sorry. I'm meant to be the penny one Tony.
7:26
Speaker 2: Lockdown getting me good, guys, Lockdown has got me well good.
7:33
Speaker 3: All right. Next question is do you currently have any debts.
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Speaker 4: I have a hextat, so I think that's about fifteen
7:41
Speaker 4: thousand dollars in there now. I am obviously still in
7:45
Speaker 4: the middle of doing my degree, so I will go up.
7:48
Speaker 4: But I have a little bit of dirt from an
7:50
Speaker 4: old degree that I didn't finish as well, which just
7:53
Speaker 4: sucks because it's just, you know, wasted money. But I
7:56
Speaker 4: for a degree that I finish.
7:58
Speaker 2: Because you realized that you didn't want to do that,
8:01
Speaker 2: and that's not a waste.
8:03
Speaker 4: Yeah. It was a massive timing point in my life too,
8:05
Speaker 4: like a huge decision. I had told everyone for like
8:09
Speaker 4: ten years that this is what I wanted to do,
8:11
Speaker 4: and then got there and was like, actually, this is
8:13
Speaker 4: not right.
8:14
Speaker 2: Can I ask what it was?
8:16
Speaker 4: Psychology?
8:17
Speaker 3: Yeah, it's like no, no, I would never but.
8:21
Speaker 4: It was not you did, Victoria.
8:24
Speaker 3: Sorry, that's why you were cagy about telling us what
8:27
Speaker 3: degree it was.
8:27
Speaker 4: I wanted to you a little bit. So yeah. I
8:30
Speaker 4: mean I started that, I did about a year and
8:32
Speaker 4: a half and just decided it wasn't my thing. I
8:34
Speaker 4: think I stopped with it for so long because I
8:36
Speaker 4: had been telling people for so long that it's what
8:38
Speaker 4: I wanted to do, and I really wanted to try,
8:40
Speaker 4: but just got to remembory. I hated it. I wasn't
8:43
Speaker 4: doing my work because I didn't want to be there.
8:45
Speaker 4: It just wasn't going to work. So I left and
8:48
Speaker 4: was like, you know what, it was probably one of
8:50
Speaker 4: the best decisions that I made, because now I'm really
8:52
Speaker 4: doing something that I loved.
8:53
Speaker 3: I love that, and I'm sure that there are people
8:57
Speaker 3: listening who are currently doing degrees they don't love, but
8:59
Speaker 3: they're like deep So to those people, would you just say,
9:02
Speaker 3: jomb ship, nobody actually deeply cares about you changing. They're
9:07
Speaker 3: just going to be wanting you to be happy, right.
9:09
Speaker 4: Yeah, yeah, absolutely, And I remember like when I wanted
9:12
Speaker 4: to tell my family and everyone, I was like, everyone's
9:14
Speaker 4: going to be so disappointed in me. Like, I felt
9:17
Speaker 4: so upset about it, and I was like that, this
9:19
Speaker 4: is my future, this is my decision. I'm wasting my
9:21
Speaker 4: time and my money doing a degree that I don't
9:24
Speaker 4: want nor will I use. Oh my gosh. Yeah.
9:27
Speaker 3: Well, and everybody would have been stoked for you because
9:29
Speaker 3: you were following what you loved and wanting to Yeah,
9:32
Speaker 3: I'm so happy exactly.
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Speaker 4: So if you are a good decisional.
9:36
Speaker 3: Degree, definitely think about it. Don't admit to it just
9:40
Speaker 3: because you've already gotten this far. I feel like that's
9:43
Speaker 3: such a negative mindset as well. And people do that
9:46
Speaker 3: in jobs, in careers, in relationships where they're like, oh,
9:49
Speaker 3: but we've come this far.
9:50
Speaker 2: Like, yeah, I've invested all this time.
9:53
Speaker 3: Yeah, like you have, but you invested it in yourself.
9:57
Speaker 3: Like anyway, I'm very opinionated about that. So we're going
10:00
Speaker 3: to move on to an exciting question. Because I like
10:03
Speaker 3: Hervy stuff. Do you shop back?
10:07
Speaker 4: I have used it in the past, Yes, a couple
10:10
Speaker 4: of times.
10:10
Speaker 3: Why well where hell.
10:13
Speaker 4: I did get some good deals. I just like a
10:16
Speaker 4: friend recommended it to me and I was like, you
10:18
Speaker 4: know what, I love an online shop. Why not get
10:20
Speaker 4: money back? So yeah, I've used it.
10:22
Speaker 2: A couple of times.
10:23
Speaker 4: Loved it.
10:24
Speaker 3: N Jenius. All right, moving on from good money habits
10:28
Speaker 3: to asking you what your best money habit is. What's
10:31
Speaker 3: your best money habit, my friend?
10:33
Speaker 4: I think so because of you, Victoria, I put for
10:36
Speaker 4: hours between me and my purchase. Ya. But what I
10:39
Speaker 4: started to do is I have a list on my phone.
10:42
Speaker 4: So every time I look at something and I, you know,
10:44
Speaker 4: I wish list on the Iconic, I added into my
10:47
Speaker 4: list on my phone and be like, it's a list
10:49
Speaker 4: of things that I want but don't need. And then
10:51
Speaker 4: I'll go through it like every week and be like,
10:53
Speaker 4: I don't know why I wanted that, Like what part
10:55
Speaker 4: of me actually wanted that? Yes, that's so smart, that
10:59
Speaker 4: would be.
10:59
Speaker 3: My I love that.
11:02
Speaker 4: I mean, I I am like, I'm an impulsive shopper,
11:05
Speaker 4: especially when I'm at the shops. I am an impulsive shopper.
11:08
Speaker 4: So it's easier, like especially with online shopping, if I
11:11
Speaker 4: can go through it and then like a week later,
11:13
Speaker 4: I'm like, why did I even like want possessed me
11:16
Speaker 4: to want that?
11:17
Speaker 3: Oh my gosh, especially during lockdown, I just have this
11:21
Speaker 3: idea in my head that I'm going to be an
11:23
Speaker 3: entirely new person. So I put all these things in
11:25
Speaker 3: my cart usually at night, let's be honest, and then
11:29
Speaker 3: the next time I'm like, I would never wear that,
11:31
Speaker 3: Like I'm definitely not cool enough for that. So I
11:35
Speaker 3: love that idea, and I think I'll start doing that,
11:37
Speaker 3: writing an entire list of things that I want but
11:40
Speaker 3: don't need, and then I can kind of have a
11:42
Speaker 3: laugh at myself later or reward myself for waiting by
11:45
Speaker 3: actually buying it. Yeah that is good.
11:48
Speaker 4: Yeah, such a good idea.
11:49
Speaker 3: She's yeah, good guys. All right, So that's a great
11:52
Speaker 3: money habit. What is your worst money habit?
11:56
Speaker 4: I definitely think it would be the impulse shopping as
12:00
Speaker 4: well as like my reaction afterwards. So like when I
12:04
Speaker 4: worked in a shopping center, I would just walk around
12:07
Speaker 4: on my lunch break and just go shopping because I could, yep,
12:10
Speaker 4: and like because I was there, and like i'd find
12:12
Speaker 4: something that I liked and be like, well why not
12:14
Speaker 4: I have the money, So that was definitely like my worst.
12:19
Speaker 4: But then it would be spending the money, justifying the
12:21
Speaker 4: decision and then feeling anxious about it afterwards, Like it
12:24
Speaker 4: was just a really bad cycle and I was doing
12:27
Speaker 4: like I was spending the money because I needed that
12:30
Speaker 4: like instant hit, like it felt good and like that
12:33
Speaker 4: instant gratification find something. But then you know, it's like
12:36
Speaker 4: an addiction where there's always just like a massive fall afterwards.
12:39
Speaker 3: How did you come to the conclusion that that cycle
12:42
Speaker 3: needed to break and how are you working towards actually
12:46
Speaker 3: making sure its day is broken.
12:49
Speaker 4: So I think I had a really bad relationship with
12:53
Speaker 4: after pay and spent a lot of money through after
12:56
Speaker 4: paid because I.
12:57
Speaker 3: Could also relatable content.
13:00
Speaker 4: Yeah, yeah, I think I just you know, when COVID
13:02
Speaker 4: hit last year and I realized I had had to
13:05
Speaker 4: pay to pay off and no job. This was before
13:08
Speaker 4: job Keeper, I was like, oh my god, what am
13:11
Speaker 4: I going to do? I have no money to my name.
13:14
Speaker 4: So mum thankfully got me out of it. She helped
13:18
Speaker 4: me pay off my after pay. I paid her back,
13:21
Speaker 4: but it was just really like that click moment where
13:23
Speaker 4: you don't know what's going to happen. You don't know
13:24
Speaker 4: when you're not going to have money and you're just
13:26
Speaker 4: spending money that you don't have. I was living well
13:29
Speaker 4: beyond my means, and it was really like that moment
13:32
Speaker 4: where I was like, I can't do it anymore. I
13:34
Speaker 4: need to you know, I'm an adult now and I
13:37
Speaker 4: need to be I'm working for something, not for nothing.
13:40
Speaker 4: Like I couldn't tell you what I spent all my
13:42
Speaker 4: money on. I have no idea. So I yeah, just
13:45
Speaker 4: really realized that I had to work towards the bigger
13:47
Speaker 4: picture rather than just having things now.
13:50
Speaker 3: I think that's so important to acknowledge, but also so
13:53
Speaker 3: special that you know that now, and also really relatable
13:57
Speaker 3: because it's one of those things that a lot of
14:00
Speaker 3: people are like, Oh, after pay is fine, but can
14:02
Speaker 3: I maybe ask a quick question about after pay when
14:05
Speaker 3: you got it? Why did you sign up for it?
14:08
Speaker 4: Like?
14:08
Speaker 3: How did you end up on that slippery slope? Because
14:11
Speaker 3: I talk a lot on this podcast about after pay
14:13
Speaker 3: being a slippery slope, and so many people will say, no,
14:17
Speaker 3: it's not like I'm a responsible person. And I can
14:20
Speaker 3: see you right now, money Direst, and I can hear
14:22
Speaker 3: you and from your savings capacity and what you're talking
14:26
Speaker 3: about in your soul articulate you sound like a really
14:28
Speaker 3: responsible person. So how did you end up on that
14:31
Speaker 3: slippery slope? And like what was the mindset there?
14:36
Speaker 4: I remember? So when I turned fifteen, it was literally
14:39
Speaker 4: the day after my fifteenth birthday. My mum was like,
14:41
Speaker 4: you have a job interview and you're going to go
14:43
Speaker 4: and get a job so that you can, like she
14:45
Speaker 4: said it up for me. She's like, so you can
14:48
Speaker 4: earn money to spend it on the things that you want.
14:51
Speaker 4: So she was like, I'm sick of paying for you
14:53
Speaker 4: to go out to the middles and get it. Mum. Yeah,
14:56
Speaker 4: she's like I'm over it. You know, you want to
14:58
Speaker 4: do all these things with your school holiday, you can
15:00
Speaker 4: fund it. And I was like okay, no worries. And
15:03
Speaker 4: then so wait when.
15:05
Speaker 3: Your mom said get a job and you were like okay,
15:07
Speaker 3: no worries. Like I feel like any other teenager would
15:09
Speaker 3: be like what the hell mom.
15:11
Speaker 2: Well it would be like you pay for it now.
15:14
Speaker 3: Yeah, the best thing about being a child.
15:18
Speaker 4: Yeah, it was like an ultimatum. It was like get
15:21
Speaker 4: a job or I'll just cut you off and you'll
15:23
Speaker 4: have no money.
15:24
Speaker 3: Oh okay, get the job.
15:25
Speaker 4: Then No Roadstreet set up the job interview for me
15:28
Speaker 4: and everything, and I was like, no worries. I'll go
15:31
Speaker 4: like sat there like a little fifteen year old. But yeah,
15:34
Speaker 4: so I think I had already started, like I when
15:38
Speaker 4: I started earning money. I was earning money to spend
15:40
Speaker 4: the money. I wasn't earning the money to save the money.
15:43
Speaker 4: And I remember being like seventeen or something and I
15:45
Speaker 4: needed this done and jacket, I needed it.
15:48
Speaker 2: Oh, fair enough, I'll love a good daja.
15:50
Speaker 4: Yep, yeah, I needed it. And I was on General
15:53
Speaker 4: pants and this like thing popped up when I got
15:55
Speaker 4: to the cart and it was like, you can pay
15:58
Speaker 4: this in foreign storm and I was like what crazy?
16:02
Speaker 4: I was like really, yeah. I was like, this is
16:05
Speaker 4: so smart. So I didn't do it, but it was
16:08
Speaker 4: the first time that I'd been introduced to it. So
16:10
Speaker 4: then the next time when I went shopping, I was like,
16:12
Speaker 4: I might as well just give it a try. So
16:14
Speaker 4: I gave it a crack, and it's I probably shouldn't
16:20
Speaker 4: have because it was really like you could see the
16:23
Speaker 4: money coming out of your account in flas it felt
16:25
Speaker 4: like you weren't spending money yea, And you know it
16:28
Speaker 4: would come out of my account on pay day. I
16:29
Speaker 4: would make sure that I would buy everything the day
16:32
Speaker 4: after payday so that the installment would come out the
16:35
Speaker 4: day after payday. And it was just like a slippery
16:37
Speaker 4: slope like I could spend all of this money that
16:41
Speaker 4: still have money in my account, and it just got
16:44
Speaker 4: worse and worse to the point where like it would
16:46
Speaker 4: be like I have like nuxed out, like I'd spend
16:49
Speaker 4: as much as I could and be like I don't
16:51
Speaker 4: even know what I have, Like it's like eight weeks
16:52
Speaker 4: later and I don't know what I've bought, Like I
16:55
Speaker 4: couldn't done paying this thing off and I don't know
16:57
Speaker 4: what it is.
16:58
Speaker 2: Victoria, And I've talked about this before about how changes
17:02
Speaker 2: the way that you view money because instead of something
17:04
Speaker 2: costing four hundred dollars, you're like, oh, that costs one
17:07
Speaker 2: hundred dollars four times, and it actually really warps your
17:12
Speaker 2: sense of what money is actually going out because you
17:15
Speaker 2: can't keep track of it because in your mind, you've
17:18
Speaker 2: tricked yourself into thinking something's only cost you one hundred dollars.
17:21
Speaker 4: Yeah, yeah, exactly. And it's so much easier to justify
17:25
Speaker 4: when it's like a fifty dollars payment as opposed to
17:27
Speaker 4: like a two hundred dollar payment, so much easier to
17:29
Speaker 4: doctor Pye, and especially when they brought out like you
17:32
Speaker 4: could use it in stores as well, or so much
17:35
Speaker 4: just like scam my barcode. I'll worry about it later.
17:38
Speaker 4: It's just the convenience, like so much easier. And then
17:41
Speaker 4: you know, it would get to pay day and I'd
17:42
Speaker 4: have four hundred dollars coming out and nothing to show
17:46
Speaker 4: for it.
17:47
Speaker 3: But that's what I mean around slippery slope, like you
17:49
Speaker 3: didn't sign up with ill intentions of getting into a
17:52
Speaker 3: whole heap of personal debt. And you know, I know
17:55
Speaker 3: this has taken a little bit of a sidetrack. But
17:57
Speaker 3: if I said to you in the same vein, like, okay, direst, well,
18:01
Speaker 3: actually would you like a personal loan so that you
18:04
Speaker 3: can just spend that money, I'm sure the mindset would
18:07
Speaker 3: have been different, like you would have been like, no,
18:09
Speaker 3: don't give me a personal loan. I don't want that.
18:11
Speaker 3: But in the same vein, that's exactly what you've done
18:13
Speaker 3: to yourself with after pay without even realizing it.
18:18
Speaker 4: And even like Mum raised me like being like, don't
18:21
Speaker 4: get a credit card when you know you can't, you
18:24
Speaker 4: can avoid it, like there's no point getting a credit card.
18:27
Speaker 4: So it's always like I'm never going to have a
18:28
Speaker 4: credit card, like I don't need one. I don't want
18:31
Speaker 4: to be spending money that's not mine and on the
18:33
Speaker 4: pay was just marketed to me as not that.
18:35
Speaker 2: And after pay doesn't have that stigma yet of like
18:38
Speaker 2: I would never get a credit card or I would
18:40
Speaker 2: never get a personal loan to buy a car. You crazy, Like,
18:44
Speaker 2: it just doesn't have that same thing as Yeah, which
18:48
Speaker 2: is interesting because I think that in the next few years,
18:50
Speaker 2: I'm hoping and obviously Victoria, I know that you're hoping too,
18:53
Speaker 2: that that stigma does change and it's kind of turns
18:55
Speaker 2: into one of those things where it's like, oh, you
18:57
Speaker 2: use after pay in a way that you know it's
19:01
Speaker 2: not good for you, or you know, like, if you're
19:03
Speaker 2: good at using after pay, then that's fine. But if
19:06
Speaker 2: you're using after pay in this way where you've maxed
19:09
Speaker 2: it out, you don't know what, you don't have anything
19:11
Speaker 2: to show for it. Hopefully soon people are going to
19:13
Speaker 2: be like, oh, you're using after pay. That is so
19:15
Speaker 2: twenty nineteen.
19:17
Speaker 3: Yeah, Like I would love that, but I don't think
19:20
Speaker 3: that's the way it's going. Sadly, because you know, they've
19:23
Speaker 3: obviously just gone through this merger and they're spending a
19:25
Speaker 3: lot of money on marketing, which really annoys me, Like
19:28
Speaker 3: they're marketing to me is wild, Like, you know, I've
19:32
Speaker 3: obviously got this really big platform, so I have to
19:34
Speaker 3: be careful what I say. But at the same time,
19:36
Speaker 3: I do think it's quite irresponsible, like where they say, yeah,
19:40
Speaker 3: it's just a lot, and I feel like it's one
19:43
Speaker 3: of those things that you know, over time, I hope
19:46
Speaker 3: that we can create that. I don't want to say
19:48
Speaker 3: I want to create a stigma, but I want people
19:50
Speaker 3: to understand it because the amount of times I've spoken
19:53
Speaker 3: to even clients of mine and I say, you know,
19:56
Speaker 3: go through their fact find in my financial advice meetings,
19:59
Speaker 3: and I go, oh, Tony, do you have any debts?
20:01
Speaker 3: And they go, oh no, no, no, like do you
20:03
Speaker 3: have any credit cards? Oh no, I'd never have a
20:05
Speaker 3: credit card. And then you go, okay, cool, I after pay, zippay,
20:08
Speaker 3: any of those things. Oh yeah, I have after pay
20:10
Speaker 3: and I have Zippay. And you go, you do have debt,
20:13
Speaker 3: like you do and they're like, no, no, no, it's
20:15
Speaker 3: not debts just after pay. You're like, oh, okay, it's
20:18
Speaker 3: still there. It's still debt.
20:19
Speaker 4: Babs. Yeah.
20:20
Speaker 3: But at the same time, you go, I can understand
20:23
Speaker 3: why you don't see it that way, because it's never
20:25
Speaker 3: been marketed to you in that way, and you know
20:28
Speaker 3: that's where a lot of people are getting in trouble with,
20:30
Speaker 3: like mortgage brokers and stuff. I could go on about
20:32
Speaker 3: this for ages, and I do in a number of
20:33
Speaker 3: our other podcasts. So let's leave it there and move
20:37
Speaker 3: on to the next question, my friend, and that is
20:40
Speaker 3: the question to wrap this segment, and it is what
20:43
Speaker 3: grade would you give yourself? If I forced you to
20:45
Speaker 3: give your money habits a.
20:46
Speaker 4: Grade, I'd probably give myself a being minus. I think
20:51
Speaker 4: I'm like, I'm definitely ten bog like last year it
20:55
Speaker 4: would have been like an F whereas like, I have
20:58
Speaker 4: consistent money habits are good money habits and I can
21:03
Speaker 4: save my money now. And yeah, I definitely think of
21:06
Speaker 4: being minus. Still things that I need to work on,
21:08
Speaker 4: still need to stop impost shopping when I get bored,
21:11
Speaker 4: But you know I have created better money habits for
21:14
Speaker 4: myself definitely within the past year.
21:19
Speaker 5: Look at that growth, Tony from an Like, if I
21:23
Speaker 5: had a kid and they were at school and they
21:25
Speaker 5: failed something one year and then the next year they
21:27
Speaker 5: were a B minus, like I would one thousand percent
21:30
Speaker 5: let them have backs for dinner.
21:31
Speaker 3: I'd be like, all right, we're going to MACS. We're
21:33
Speaker 3: getting drive through on the way home. I don't know
21:36
Speaker 3: how else your parents treated you, but like that was
21:38
Speaker 3: totally a treat for.
21:41
Speaker 4: When they used to flurry them properly.
21:43
Speaker 2: Yes, they do have anymore.
21:46
Speaker 4: No, they just put the Eminem's on.
21:48
Speaker 3: I'm under the assumption that a mcfluury now is a
21:51
Speaker 3: poorly packaged Sunday and.
21:54
Speaker 2: Not even as good as a proper Sunday, do you
21:56
Speaker 2: know what I mean?
21:57
Speaker 3: Yeah, because like you could get a Sunday and get
22:00
Speaker 3: them to put the M and m's on it in addition,
22:02
Speaker 3: and that's instantly better than whatever they're calling a mcflurry that.
22:06
Speaker 2: You go to Kohl's and buy EM and m's right
22:09
Speaker 2: for like what three or four dollars, and you could
22:12
Speaker 2: go and get a McDonald's fifty cent cone for yes,
22:17
Speaker 2: and you could dip it into the bag of Eminem's.
22:21
Speaker 3: Smarter to me, why are we smarter? And you know what,
22:24
Speaker 3: while we're on the mcflurry train, I don't even eat mcfluurri's,
22:27
Speaker 3: but my partner does. And the audacity they have to
22:30
Speaker 3: still give you those spoons that connect to the machine
22:34
Speaker 3: to do they don't mix it. Just give you a
22:37
Speaker 3: normal spoon, my friend. This is that's wild. Anyway, we'll
22:41
Speaker 3: chat more about mcfluury's after this quick break. All right,
22:49
Speaker 3: So money darist, we've been through after pay. We've spoken
22:51
Speaker 3: about mcfluury's very important. We have also spoken about how
22:55
Speaker 3: you've had epic personal growth over the last twelve months,
22:58
Speaker 3: which I am so wild proud of you for. But
23:01
Speaker 3: it would be really remiss to not touch on the
23:03
Speaker 3: fact that you've gone through three really really big events
23:07
Speaker 3: in a very short period of time, which I think
23:10
Speaker 3: is so important to talk about. So let's start with
23:13
Speaker 3: the first one, which I think is the biggest and
23:15
Speaker 3: arguably most traumatic one, and that is your dad passing away.
23:19
Speaker 3: So how have you gotten through that? It's only recent
23:23
Speaker 3: But also you mentioned you have a massive inheritance. How
23:26
Speaker 3: are you mentally dealing with that? Because it's everything all
23:29
Speaker 3: at once.
23:31
Speaker 4: Yeah, it is everything all at once, and you know,
23:34
Speaker 4: I think it came as a massive shock. My relationship
23:37
Speaker 4: with Dad was never easy, it was you know, never
23:40
Speaker 4: really great, so I think that also came the whole
23:44
Speaker 4: heap of different emotions when he passed as well. For sure,
23:47
Speaker 4: like a lot of I was a guilt, a lot
23:50
Speaker 4: of guilt for not being as present as you know,
23:54
Speaker 4: I kind of wish that I was in hindsight, you know,
23:57
Speaker 4: my brother and I made a sound decision by you know,
24:02
Speaker 4: keeping our relationship as it was, but it was it's
24:06
Speaker 4: never going to be easy when a parent passes away,
24:08
Speaker 4: regardless of your relationship with them. And it was a
24:11
Speaker 4: massive shock. It took a really long time to actually
24:16
Speaker 4: process it. Like I mean, I found out I want
24:18
Speaker 4: to work the next day because I was like, I
24:20
Speaker 4: don't want to sit at home and you know, deal
24:22
Speaker 4: with my emotions. And I was like, I'm just going
24:24
Speaker 4: to go to work and just avoid it. And I
24:27
Speaker 4: think once we had to go to his house and
24:29
Speaker 4: pack up his things, it was really like, Okay, I
24:32
Speaker 4: have to deal with this. This has happened. My brother
24:34
Speaker 4: needs me. We have so much that we have to
24:37
Speaker 4: deal with. Like I'm twenty two, Like I've never planned
24:39
Speaker 4: a funeral in my life. Like, you know, it was
24:42
Speaker 4: a lot. It was a lot to deal with, and
24:45
Speaker 4: it was something that you don't expect to deal with,
24:48
Speaker 4: Like you never anticipate that that's going to happen, unless you,
24:51
Speaker 4: you know, have a terminally ill parent, like it was
24:54
Speaker 4: a it was a shock, Like it was a massive shock.
24:57
Speaker 4: I think that's why it took a little bit longer
24:59
Speaker 4: to comprehend.
25:01
Speaker 3: To ask another question. It wasn't something that you guys
25:04
Speaker 3: had anticipated, Like he wasn't sick for a really long
25:07
Speaker 3: time and you guys had been preparing for it. It
25:09
Speaker 3: was just like completely out of the blue.
25:11
Speaker 4: Yeah, yeah, completely king.
25:14
Speaker 3: No, there's no way to, you know, say like, oh,
25:17
Speaker 3: I'm so sorry, and there's no better or worse because Tony,
25:20
Speaker 3: you've been through this, your mom passed away and you
25:24
Speaker 3: had that. I guess you could call it warning time,
25:26
Speaker 3: but it doesn't make it any easier or any different,
25:29
Speaker 3: and like there's no better way, is there.
25:33
Speaker 2: Like it's hard because it's one of those things where
25:35
Speaker 2: people say, like, oh, my parent or friend has died
25:40
Speaker 2: really suddenly, and I wish I had a chance to
25:42
Speaker 2: say goodbye. But then also when you've got eleven months
25:46
Speaker 2: to kind of work yourself up to saying goodbye, like
25:49
Speaker 2: that neither is good, neither is better than the other,
25:51
Speaker 2: and it's just it's it's really hard, and like this
25:56
Speaker 2: has all been so recent for you, so I can
25:58
Speaker 2: I can you know there's so much still for you
26:02
Speaker 2: to learn from it and to grow. And obviously I'm devs.
26:06
Speaker 2: My mum and I are really really close. I have
26:09
Speaker 2: very close family, and that has changed me so much.
26:13
Speaker 2: But I was nineteen, so I was your brother's age
26:15
Speaker 2: where my mom passed away, and there's so many reasons
26:19
Speaker 2: for me to be really grateful for that, because I've
26:21
Speaker 2: learned so much and I wouldn't be the way that
26:24
Speaker 2: I am now if that hadn't have happened. And obviously,
26:28
Speaker 2: being a finance podcast, I guess one of my questions
26:32
Speaker 2: would be, given that you said that you have a
26:34
Speaker 2: lot of anxiety around around your money, I'm sure that
26:37
Speaker 2: this has impacted it a lot, but do you feel
26:41
Speaker 2: like it's made it scarier because you've kind of lost
26:44
Speaker 2: another part of something that was kind of like that
26:46
Speaker 2: stability of you know, oh, you just think that that's
26:49
Speaker 2: always going to be there. You don't expect that your
26:52
Speaker 2: parents are going to pass away, especially so young, So
26:55
Speaker 2: do you feel like that's added to the pressure you
26:58
Speaker 2: put on yourself to do better with your money and
27:00
Speaker 2: do better at life and things like that.
27:04
Speaker 4: I think my dad's relationship with money was always a
27:08
Speaker 4: little bit fragile too, And I think that given the
27:11
Speaker 4: amount of money that we you know, will inherit, you
27:16
Speaker 4: kind of just want to do justice to that money,
27:18
Speaker 4: like you don't want it to go to waste, and
27:20
Speaker 4: you want it to be something that you know, you
27:24
Speaker 4: value and spend properly, you know, spends sensibly.
27:29
Speaker 2: Which is a lot of pressure too because you're like, oh,
27:32
Speaker 2: my god, would he approve of what I'm doing?
27:34
Speaker 4: And yeah, yeah, and I think he would approve of
27:38
Speaker 4: it anyway we spend the money like he's you know,
27:41
Speaker 4: he would really support whatever we wanted to do. And
27:44
Speaker 4: you know, like I said, our relationship was never great,
27:47
Speaker 4: so I truly think that he just wanted us to
27:51
Speaker 4: be happy. And you know, if it's the next best
27:53
Speaker 4: thing that we have this money and we can make
27:55
Speaker 4: something out of it, then you know, that's what we're
27:58
Speaker 4: going to have to do. So for sure, Yeah, definitely
28:00
Speaker 4: need to be sensible about it and respect you know
28:03
Speaker 4: that we've come into this money. We haven't earned it,
28:07
Speaker 4: you know, and we would give it all back if
28:08
Speaker 4: we caught it, but we can't. So yeah, and I
28:11
Speaker 4: have to do something good with it.
28:12
Speaker 3: I think that's really special. And before when we were
28:15
Speaker 3: off air, you said something that your mom told you
28:18
Speaker 3: that was really special, and I think that I would
28:21
Speaker 3: love you to share that just because I know that
28:24
Speaker 3: you're not the only one going through this. A lot
28:26
Speaker 3: of people listen to this podcast and either going through this,
28:29
Speaker 3: are going to go through this. And what did your
28:32
Speaker 3: mom say about the money?
28:34
Speaker 4: So mum, you know when she caught me and told me,
28:37
Speaker 4: she said, you know, your relationship with your dad has
28:39
Speaker 4: never been easy, and this is his way now of
28:42
Speaker 4: being able to take care of you and you know,
28:45
Speaker 4: help you through your future. And that's you know, you
28:48
Speaker 4: have to do good with the money because you know
28:50
Speaker 4: this is his way of looking after you.
28:53
Speaker 3: And I think that's really really special. Like that's one
28:56
Speaker 3: of those things that a lot of people when it
28:59
Speaker 3: comes to inherit feel a lot of guilt, but also
29:03
Speaker 3: don't think that, Okay, yup, this is really terrible. But
29:08
Speaker 3: that person's probably super proud if they were able to
29:11
Speaker 3: understand what was going on now to have set you
29:14
Speaker 3: up and to actually have an impact in your life
29:17
Speaker 3: in a really positive way because they can't be there.
29:21
Speaker 3: And I think that that's, Yeah, it's just a really
29:23
Speaker 3: kind way of looking at it. And you know, it
29:25
Speaker 3: changes the guilt because a lot of people are like,
29:28
Speaker 3: oh my gosh, like I don't deserve this, or you know,
29:30
Speaker 3: as you were saying before, I didn't have a good
29:32
Speaker 3: relationship with my dad and now I feel awful because
29:35
Speaker 3: I'm benefiting from it. But that person would be so
29:39
Speaker 3: proud to know that they've had such a positive impact
29:42
Speaker 3: on your life and putting you so far ahead. So
29:45
Speaker 3: it's one of those things where, yeah, we have a
29:47
Speaker 3: lot of guilt and a lot of work that I
29:49
Speaker 3: do with my clients. And I've said before, I actually
29:52
Speaker 3: work in this space, and you know, at my financial
29:55
Speaker 3: advice business, most of my clients are inheritance clients. We
29:59
Speaker 3: actually end up doing a lot of work beforehand. And
30:02
Speaker 3: I guess that's where my psychology degree comes into play,
30:05
Speaker 3: because I don't want any of my clients or friends
30:07
Speaker 3: or even family to feel ever guilty about that because
30:10
Speaker 3: nobody deserves to carry that burden. So like it's important
30:14
Speaker 3: to work through that before you even think about investing it,
30:16
Speaker 3: because nobody wants to carry that. But moving on from that,
30:21
Speaker 3: you've also gone through a relationship breakdown during this period
30:24
Speaker 3: of time. How has that impacted you financially, emotionally, like
30:29
Speaker 3: that's just playing stacks on.
30:31
Speaker 4: Yeah. I think when it first happened, my relationship with
30:37
Speaker 4: money and my ex boyfriend's relationship with money was completely different,
30:41
Speaker 4: Like he was so diligent with his money, so careful,
30:45
Speaker 4: was so good with it, and I obviously wasn't for
30:48
Speaker 4: a really long time. And I think he really taught
30:52
Speaker 4: me a lot about money and like a lot of
30:56
Speaker 4: the importance about having it and what to do with
31:00
Speaker 4: it and you know, making them most out of it.
31:04
Speaker 4: But when we broke up, I was like, oh my god,
31:07
Speaker 4: I can spend whatever I want and not have to
31:11
Speaker 4: answer to anyone, Like it's my money, I can do
31:14
Speaker 4: whatever I want with it, and got really excited, went
31:16
Speaker 4: on like a little bit of a shopping binge, and
31:18
Speaker 4: I could like I acknowledge what I was doing. I
31:21
Speaker 4: knew what I was doing, and I knew why I
31:23
Speaker 4: was doing it, and it felt good at the time,
31:25
Speaker 4: and you know, I don't regret it. I bought some
31:27
Speaker 4: of my things, but.
31:29
Speaker 3: Personal grow it's historically you would have felt really anxious,
31:32
Speaker 3: but now she's like, yeah, I'm going to treat myself.
31:34
Speaker 3: I deserve this.
31:36
Speaker 2: I love that you probably also would have spent way more. Yeah,
31:40
Speaker 2: like like, given that you're being a bit more mindful,
31:42
Speaker 2: You're like, I'm doing this because I want to do
31:45
Speaker 2: it and it's going to make me feel nice, and
31:47
Speaker 2: you actually enjoyed it, rather than binging and then feeling
31:50
Speaker 2: awful about it later and looking at a bank account
31:52
Speaker 2: and going, oh my god, I really wish I didn't
31:54
Speaker 2: do that.
31:55
Speaker 4: Exactly. Yeah, absolutely so, I mean it was it was
31:58
Speaker 4: a weird couple of weeks that it's you know, my
32:03
Speaker 4: he taught me a lot about money and I you know,
32:06
Speaker 4: really helped change my mindset about it. So I could
32:09
Speaker 4: never thank him enough for it. And I just know that,
32:11
Speaker 4: you know, I have a better mindset about money now
32:14
Speaker 4: because of him.
32:15
Speaker 3: Oh I love that.
32:17
Speaker 2: That's It's really nice that you can take that away.
32:19
Speaker 3: Yeah, it's such a gracious thing to say about a relationship,
32:23
Speaker 3: because I feel like so often people want to diss
32:26
Speaker 3: their exes and you know, not acknowledge that, Yeah, cool,
32:30
Speaker 3: this relationship isn't serving us anymore. But that doesn't make
32:32
Speaker 3: either of us bad people, and it doesn't mean that
32:35
Speaker 3: I didn't get anything out of that. That's actually a
32:38
Speaker 3: really beautiful way of looking at it. On top of
32:41
Speaker 3: all of this, my friend, you lost your job?
32:45
Speaker 4: I sure did.
32:46
Speaker 3: How did this all happen? Was like, and which order
32:49
Speaker 3: did this happen in? Because I just feel like at
32:52
Speaker 3: one point you are you know what, whatever, I don't
32:55
Speaker 3: like take it. I don't even need that job, see
32:58
Speaker 3: your job? See you know, well I saw this coming.
33:01
Speaker 3: But yeah, how did that all happen? Like what was
33:04
Speaker 3: the process of these events? And you know, how did
33:08
Speaker 3: you feel in that moment knowing, Oh my gosh, I
33:11
Speaker 3: don't have that income and what am I going to
33:14
Speaker 3: do about it?
33:16
Speaker 4: Yeah? So the business I was working for was like,
33:20
Speaker 4: I mean, I could see it going downhill, and I
33:23
Speaker 4: knew that it wasn't gonna last a lot longer, so
33:27
Speaker 4: I hadn't already prepared myself for it. So Dad had
33:32
Speaker 4: died at the end of May. I got a call
33:34
Speaker 4: mid June from my manager and she was like, look like,
33:37
Speaker 4: I'm really sorry, but we're closing down the store. And
33:40
Speaker 4: I was like, it's fine, Like I kind of I
33:43
Speaker 4: kind of knew it was coming. Like it sucked, but
33:47
Speaker 4: at least I had a little bit of time before
33:49
Speaker 4: they closed the store to find another job. But it
33:51
Speaker 4: was really like, oh my god, like another thing that
33:55
Speaker 4: I have to worry about, something else I have to
33:57
Speaker 4: think about. So you know, it's I you know, could
34:01
Speaker 4: see it coming, but it's still sucked, and it was
34:03
Speaker 4: still super stressful, Like it was my main thought of income,
34:06
Speaker 4: and I'd been working there for four years, like I
34:09
Speaker 4: had made friends for life there, so it was really
34:12
Speaker 4: it was it sucked a bit, you know, it was
34:14
Speaker 4: time for a new beginning. Anyway, I had been there
34:17
Speaker 4: since the store opened. I was closing the store. I
34:19
Speaker 4: had been there, you know, the whole time, So it
34:22
Speaker 4: was it was a good way to go out. I think.
34:24
Speaker 3: Yeah, it sounds really traumatic though, to have gone through
34:28
Speaker 3: that and then recently broke up with your partner or
34:31
Speaker 3: was that during this that happened?
34:34
Speaker 4: So we broke up at the beginning of July, so
34:36
Speaker 4: it was like May dad died, June I lost my job,
34:39
Speaker 4: and then July we broke up. So it was really
34:41
Speaker 4: like you said in threes, and it was really like
34:44
Speaker 4: by the end of it, it was like what else,
34:46
Speaker 4: what else?
34:48
Speaker 3: What else?
34:49
Speaker 4: Nothing else to do.
34:51
Speaker 3: I'm so sorry that you've gone through all of this.
34:53
Speaker 3: But the thing I'm really impressed with is actually your mindset.
34:56
Speaker 3: And we're really lucky Tony that today we are recording online,
35:01
Speaker 3: which means we can actually see you and you're a
35:04
Speaker 3: super happy looking, glowy person. And I'm like, you went
35:07
Speaker 3: through all of that and you're still so beautiful and
35:09
Speaker 3: glowy and happy. And I think it's one of those
35:12
Speaker 3: things that you never know what someone's going through, regardless
35:16
Speaker 3: of what they look like. And that's why we always
35:18
Speaker 3: need to be super kind, regardless of you know, the
35:21
Speaker 3: situation or what we know or what we don't know.
35:25
Speaker 3: And I'm just so I'm so grateful that I got
35:28
Speaker 3: to have this chat with you and share all of
35:30
Speaker 3: this with you, because it's a very interesting money story,
35:34
Speaker 3: from having four hundred dollars in your account all the
35:37
Speaker 3: way to saving twenty thousand dollars and now you know
35:40
Speaker 3: inheritance is a very big part of your money story
35:43
Speaker 3: and will be going forward. But your mindset towards that
35:46
Speaker 3: is so positive, and a new relationship, a new life
35:50
Speaker 3: for you is a head.
35:51
Speaker 4: I think, yeah, a clean sight, Yeah yeah, And I
35:55
Speaker 4: think yeah, Like I said, the universe wants me to
35:57
Speaker 4: be out of my comfort zone and experience things that
35:59
Speaker 4: I otherwise would have so yeah.
36:02
Speaker 2: You know what I'm about to do?
36:04
Speaker 3: What are you going to do?
36:05
Speaker 2: So I feel like this is a really nice place
36:07
Speaker 2: to leave it for today. But I'm about to mark
36:09
Speaker 2: a year from today in my calendar and we'll get
36:12
Speaker 2: you on again and we'll see exactly where you're at,
36:16
Speaker 2: because if you've come this far in twelve months, where
36:20
Speaker 2: another twelve Oh?
36:21
Speaker 3: I love that, Tony. Yes please. Obviously money Darius has
36:25
Speaker 3: to consent to this, but she might Oh Okay, all right, sorry,
36:29
Speaker 3: we're just going to do it if you don't consent
36:32
Speaker 3: to having another podcast with us, and we're just going
36:34
Speaker 3: to stalk you on socials and give everybody an update. Okay,
36:43
Speaker 3: as always, that is all we have time for today.
36:46
Speaker 3: But just before we head off, we'd like to acknowledge
36:48
Speaker 3: and pay respect to Australia's Aboriginal and Torres Straight islander people's.
36:53
Speaker 3: They're the traditional custodians of the lands, the waterways and
36:56
Speaker 3: the skies all across Australia. We thank you for she
37:00
Speaker 3: caring and for caring for the land on which we
37:02
Speaker 3: are able to learn. We pay her respects to elders
37:04
Speaker 3: past and present, and we share our friendship and our kindness.
37:08
Speaker 2: The advice shared on She's on the Money is generally
37:11
Speaker 2: nature and does not consider your individual circumstances. She's on
37:15
Speaker 2: the Money exists purely for educational purposes and should not
37:18
Speaker 2: be relied upon to make an investment or any financial decision.
37:22
Speaker 2: And we promise that Victoria Divine is an authorized representative
37:25
Speaker 2: of Australia Pacific Funds Management pro prior to Limited ABN
37:29
Speaker 2: three four one three two four six three two five
37:31
Speaker 2: seven AFSL three three nine one five one.
37:35
Speaker 3: And we will see you in twelve months for an
37:38
Speaker 3: update on this money
37:39
Speaker 2: Diary AHA bye and next week bye