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MONEY DIARIES: Owning It On OnlyFans! · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud your
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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
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Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
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Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.
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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
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Speaker 1: the storytelling of you to make a difference for today
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Speaker 1: and lasting impact for tomorrow.
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Speaker 2: Let's get into it.
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Speaker 3: She's on the Money, She's on the Money.
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Speaker 4: Hello, and welcome to She's the Podcast Millennials who want
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Speaker 4: financial freedom. Welcome back to another shot back money Dairy Monday,
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Speaker 4: where we get to chat to one of our beautiful
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Speaker 4: community members to learn all about them and their finances
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Speaker 4: and all of the other fun bits as well. Victoria,
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Speaker 4: Hello today, I've got a fun one.
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Speaker 2: Oh who would have thought? Yess I know. Let me
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Speaker 2: tell you all about her.
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Speaker 4: So our diarist says, I'm a single mum who has
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Speaker 4: bought a house, an investment property and a landover all
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Speaker 4: within twelve months. Without help or relying on child support.
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Speaker 3: What.
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Speaker 4: I come from a corporate banking background and was super
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Speaker 4: unhappy in my marriage, so I left. I had no
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Speaker 4: idea how I'd pay for anything, and restarted my life
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Speaker 4: at twenty nine with sixty dollars in my bank account.
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Speaker 4: I had a girlfriend who was doing OnlyFans, and so
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Speaker 4: I began doing it too. I made four hundred thousand
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Speaker 4: dollars in the past twelve months.
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Speaker 2: What a queen money diarist. Welcome to the show. I
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Speaker 2: feel like we've been talking about only fans a lot
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Speaker 2: on the podjasts, like we're not sponsored by them. We
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Speaker 2: just happened to have a fair few life making bank
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Speaker 2: in our community on it.
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Speaker 3: Thanks for having me. I actually came across your podcast
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Speaker 3: because I searched only Fans in Spotify, just wanting to
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Speaker 3: hear some episode, just learn more about only just content.
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Speaker 2: Yeah, and I think at.
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Speaker 3: The time you just had done an episode on somebody
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Speaker 3: who was doing only fans as well. I listened to that,
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Speaker 3: and then I became hooked on She's on the Money podcast,
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Speaker 3: which I guess was the big start of my money journey.
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Speaker 2: Oh my god, how exciting. Well, welcome to the show.
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Speaker 2: And I'm glad that you're in our community. I want
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Speaker 2: to know so much about your situation. It sounds like
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Speaker 2: you're an actual hustler. But as always, we have to
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Speaker 2: start with the structured questions or Jess might get me.
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Speaker 2: So I want to know. Can you tell us a
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Speaker 2: little bit about your money story?
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Speaker 3: So my money story? I want to necessarily say that
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Speaker 3: I'm driven by money or that money is a priority
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Speaker 3: for me. However, stability and structure is really important to
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Speaker 3: me as a single mom. I didn't have that growing up,
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Speaker 3: and as a single mom, I realized quite quickly that
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Speaker 3: money was going to be the tool that would achieve
3:12
Speaker 3: that for not only me, but for my kids as well.
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Speaker 2: Oh my gosh, so you are twenty nine and you
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Speaker 2: have two kids? Is that right?
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Speaker 3: I was twenty nine when I first started OnlyFans. I'm
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Speaker 3: thirty two now and I have two kids.
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Speaker 2: Yes, how exciting? All right? I want to know what
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Speaker 2: do you do for work and how much money do
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Speaker 2: you earn?
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Speaker 3: I am a full time OnlyFans creator and last financial
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Speaker 3: year I sold over four hundred thousand dollars worth of
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Speaker 3: nude content.
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Speaker 2: Oh get it, queen. I want to know though, all right,
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Speaker 2: let's break it down. So a few people have messaged
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Speaker 2: me off the back of a few of our other
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Speaker 2: OnlyFans content episodes and they're like, well, how does it
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Speaker 2: actually work? So can you break down how you generate income?
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Speaker 2: Because you don't just chuck up a nude picture someone
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Speaker 2: buys it, right, That's not how it works. So can
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Speaker 2: you explain how it works and then how you utilize it?
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Speaker 2: Because I think that lots of different people do lots
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Speaker 2: of different things.
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Speaker 3: Absolutely, So the way I like to explain OnlyFans is
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Speaker 3: it's like Instagram, but for nudity. So it costs people
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Speaker 3: to follow or subscribe to me, so that's one avenue.
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Speaker 3: I make money from a subscription price, and then I
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Speaker 3: charge people to talk to me, so that's another avenue.
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Speaker 3: And then I will make videos either of myself or
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Speaker 3: with co stars, and then I sell that, so that's
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Speaker 3: three different streams of income. I'll also have campaigns where
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Speaker 3: I want to buy this toy or this set of
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Speaker 3: lingerie can you contribute to it? And that campaign is
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Speaker 3: a fifth stream or within the same platform. I like
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Speaker 3: to think of it as so Only Fans is like
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Speaker 3: the umbrella, and then there's a lot of different streams
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Speaker 3: that sort of come under that umbrella.
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Speaker 2: Yeah, because I think a lot of people extrapolated out
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Speaker 2: and go, all right, well, if she's earn four hundred grand,
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Speaker 2: that must mean she has you know, if you charged
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Speaker 2: a dollar per subscriber, four hundred thousand subscribers. But that's
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Speaker 2: not exactly how it works, is it.
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Speaker 3: That's right, So on my page, it's like a girlfriend experience.
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Speaker 3: So I'm very close with my subscribers. I've actually got
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Speaker 3: quite a low number of subscribers, but the people that
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Speaker 3: I have on my page spend a significant amount compared
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Speaker 3: to a lot of other girls that will have one
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Speaker 3: hundred thousand, but they're only spending a couple of dollars
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Speaker 3: if that makes sense.
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Speaker 2: No, it makes absolute sense. I'm so pervy on this
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Speaker 2: because I'm like, how, where, why? What does that mean?
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Speaker 2: What does that looks? So thank you for sharing. I
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Speaker 2: want to know, though, what is your big money goal?
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Speaker 2: What are you currently working towards?
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Speaker 3: So I'm actually really excited that my big money goal
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Speaker 3: since I was nineteen was to buy a house and
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Speaker 3: to do it all on my own, have it just
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Speaker 3: in my name, and that, I guess became even more
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Speaker 3: important to me when I became a single mum, and
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Speaker 3: that's why I came into this industry. I was like,
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Speaker 3: I'm going to hustle so high and to buy a
6:01
Speaker 3: house like that would be amazing if I could do
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Speaker 3: that one day. And I actually did that in December
6:06
Speaker 3: of last year. And now I'm like, Okay, what's next.
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Speaker 3: I thought that that would be the be all and
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Speaker 3: end all, but I'm really lucky that now I've just
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Speaker 3: bought an investment property. Who and I have a retirement
6:20
Speaker 3: strategy where I'll be buying one property minimum, one property
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Speaker 3: a year for the next eight years, and I'll be
6:28
Speaker 3: able to retire.
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Speaker 2: At forty Oh my gosh. And all of these happened
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Speaker 2: straight after you were like, you know what, I've got
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Speaker 2: sixty bucks in my bank account. I have no idea
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Speaker 2: what to do. I saw a friend doing this. Let's
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Speaker 2: give it a hot crack.
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Speaker 3: Yeah. I have no experience in the industry. I'm just
6:41
Speaker 3: a mom from the suburbs. I do not look like
6:43
Speaker 3: a fallen star. I'd come from a banking background. I
6:46
Speaker 3: just looked at my kids. When my parents divorced. That
6:49
Speaker 3: was sort of the beginning of a long road of
6:51
Speaker 3: instability for me and my siblings. I just looked at
6:55
Speaker 3: these two beautiful little kids and I was like, I'm
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Speaker 3: not going to let them down for anyone or for anything.
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Speaker 3: I don't care what society says. I'm doing this for
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Speaker 3: my boys. And it's so cool to be able to
7:07
Speaker 3: have done that.
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Speaker 2: That is actually really cool. I am so proud of you,
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Speaker 2: like getting it and doing it like h and you
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Speaker 2: just look so happy about what you're able to provide
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Speaker 2: your family with, Like it's just so cool. All right.
7:20
Speaker 2: I want to know we know about the investment property.
7:22
Speaker 2: Do you have any other investments.
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Speaker 3: I put money away into Super. I've played around with
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Speaker 3: shares and crypto a little bit. However, it doesn't really
7:31
Speaker 3: fit into my risk appetite because I am so health
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Speaker 3: bent when having everything safe and secure. I think it's
7:39
Speaker 3: a really great option, but not for me, so most
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Speaker 3: of my investments are around SUPER, which I know is
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Speaker 3: shares and property.
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Speaker 2: But it does make a lot of sense if you're
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Speaker 2: saying I want to retire by forty to prioritize investments
7:54
Speaker 2: outside of superannuation, because if you retire at forty, you
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Speaker 2: can't actually access superannuation until retirement, which in Australia is
8:01
Speaker 2: sixty five, So that doesn't really work with the strategy
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Speaker 2: you're implementing.
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Speaker 3: Does it exactly? Yeah?
8:06
Speaker 2: All right. Next question, I want to know do you
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Speaker 2: have any debts? If so, how much are they?
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Speaker 3: I have my mortgage at the moment, I owe it's
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Speaker 3: two hundred and twenty thousand.
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Speaker 2: Oh, that's not too bad. What did you purchase your
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Speaker 2: house for?
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Speaker 3: I purchased it for two hundred and seventy thousand. I
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Speaker 3: was really really lucky to get in a great point
8:26
Speaker 3: in time. And now I've got yeah, oh about two
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Speaker 3: hundred and twenty and it's worth about three hundred and twenty,
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Speaker 3: so it's gone up significantly. What's that fifty thousand in
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Speaker 3: dis six months?
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Speaker 2: That is very good turnaround? So you're making money basically
8:43
Speaker 2: everywhere at the moment.
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Speaker 3: How good trying to Yeah, I just want to make
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Speaker 3: Hay well.
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Speaker 2: Sunshine's important. Next question, do you use shop back? Yes,
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Speaker 2: I've got the chrome the chrome extension. Yes, that's how
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Speaker 2: I do it. Otherwise I miss out.
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Speaker 3: I'm so busy. I want to use something if it's
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Speaker 3: not convenient to me, and having the chrome extension is
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Speaker 3: so convenient, and I don't think a lot of people
9:07
Speaker 3: realize how shot back is. It's things that you usually buy.
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Speaker 2: Anyway, exactly what was the last thing you bought?
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Speaker 3: Gob Stoppers?
9:16
Speaker 2: Oh that is not what I was expecting. Honestly, after
9:19
Speaker 2: you said things I usually buy, I thought you were
9:22
Speaker 2: going to say groceries. You're like, yep, gobstoppers. What.
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Speaker 3: I couldn't find them in the shop. My son has
9:27
Speaker 3: been hounding me for them. He just wants Gobstoppers. And
9:29
Speaker 3: I was like, I'll just see if I can find
9:30
Speaker 3: them and then I don't have to go around the shop.
9:33
Speaker 3: So I just ordered them online.
9:34
Speaker 2: So money when all right? Next question, I want to
9:39
Speaker 2: know what is your best money habit.
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Speaker 3: My best money habit is when I have a goal,
9:45
Speaker 3: I get obsessed with it. So when I bought this house,
9:49
Speaker 3: I didn't have a deposit. I just put an offer
9:52
Speaker 3: on a house and called my brake. I was like,
9:55
Speaker 3: I've just bought a house. He's like, why why did
9:58
Speaker 3: you do that? Where are you getting the Was it from?
10:01
Speaker 3: How much I need? And I'll do it? And I
10:04
Speaker 3: was really lucky. I saved forty two thousand in it
10:08
Speaker 3: was about six to eight weeks.
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Speaker 2: Oh my gosh.
10:11
Speaker 3: And yeah, because I knew i'd do it. I knew
10:13
Speaker 3: if I had a goal, I would be able to
10:16
Speaker 3: hit it.
10:16
Speaker 2: Yeah.
10:16
Speaker 3: And with my investment property, I was supposed to be
10:19
Speaker 3: using the equity for my property to buy this one.
10:22
Speaker 2: Yeah.
10:22
Speaker 3: And my broker said throughout the bank's actually not going
10:25
Speaker 3: to let you do that. You need to come up
10:27
Speaker 3: with a seventy thousand dollars deposit my settlement which is
10:31
Speaker 3: in four weeks. And he was like, I can get
10:34
Speaker 3: you out of the contract.
10:34
Speaker 2: And I was like, no, no, no, it's okay, Oh, you
10:36
Speaker 2: can make it.
10:37
Speaker 3: I'll find seventy thousand and four weeks. And my pot
10:40
Speaker 3: broker he's like, what are you doing? But when I
10:44
Speaker 3: have a goal, I just get obsessed with it and
10:45
Speaker 3: I can't handle the thought of not reaching my goal.
10:48
Speaker 3: I know that that works for me, So that's kind
10:50
Speaker 3: of how I structure things, which probably isn't great financial advice,
10:54
Speaker 3: but I know that's what works for me.
10:55
Speaker 2: No, and that's what we want to hear. I don't
10:57
Speaker 2: want to hear what is quote great financial advice. Actually
11:00
Speaker 2: just want to hear what works for you guys. And
11:02
Speaker 2: it's always different, like when we do these money diaries,
11:05
Speaker 2: asking people what their best money habit is is always
11:08
Speaker 2: so diverse, and I end up one with heaps of
11:11
Speaker 2: tips and tricks. But two, oh my gosh, your bear's
11:13
Speaker 2: money habit would never be mine because my anxiety could
11:16
Speaker 2: not like I could not do that, because I would
11:20
Speaker 2: just go all right, there's no way, there's no weight,
11:22
Speaker 2: run away, run away. Okay. On the flip side, what's
11:26
Speaker 2: your worst money habit?
11:27
Speaker 3: So on the flip side, if I don't have a goal,
11:32
Speaker 3: I'm not very good at saving money, Like I could
11:34
Speaker 3: have been saving money this whole time to go towards
11:36
Speaker 3: my deposit, and I haven't. I don't spend a lot.
11:39
Speaker 3: I don't have designer items or anything like that. But
11:42
Speaker 3: I'm really big on experiences, so I'll say to the kids.
11:46
Speaker 3: I'll be like, let's go pack a bag. We'll go,
11:47
Speaker 3: say at a hotel for a weekend, or go down
11:49
Speaker 3: south or this income that I can sort of dispense
11:55
Speaker 3: because I don't have a goal, which is not like
12:00
Speaker 3: I should be focused all the time. So I'm aware
12:02
Speaker 3: of it, I'm working on it. But that's not a
12:05
Speaker 3: very good money habit of mine.
12:06
Speaker 2: Hey, that's all right, I want to know next question
12:11
Speaker 2: last before we go to a quick break. Is how
12:13
Speaker 2: would you grade your money habits if we forced you
12:15
Speaker 2: to give yourself a grade?
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Speaker 3: I think a B to C. I'm super proud of
12:19
Speaker 3: what I've achieved, but I could definitely be better with
12:24
Speaker 3: more focus air pic.
12:26
Speaker 2: All right, let's go to a quick break, and then
12:28
Speaker 2: I want to dive into the nitty gritty. Don't go anywhere.
12:35
Speaker 2: All right, money diarist, we are back, and I have
12:38
Speaker 2: so many questions, but we're going to start the questions.
12:42
Speaker 2: Before you were in the sex industry, what were you doing?
12:45
Speaker 2: So you were a mum, you were married, What were
12:47
Speaker 2: you doing for work? How did all of that work?
12:49
Speaker 3: Like?
12:50
Speaker 2: How did you generat income?
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Speaker 3: So I worked as a corporate banker. I started working
12:55
Speaker 3: banking at seventeen, and I I was going to do
12:58
Speaker 3: it for a couple of years and then go traveling,
13:00
Speaker 3: but I ended up staying that and it was good.
13:07
Speaker 3: I always had enough money, but I never had any
13:10
Speaker 3: extra money, and it became a little bit more difficult
13:14
Speaker 3: once I got married. So I got married at twenty two,
13:17
Speaker 3: way too young now that I think back on it.
13:19
Speaker 3: We just had very different attitudes to money, which is
13:23
Speaker 3: not my fault, and it's not his fault, it was
13:25
Speaker 3: just different. And then once we separated, it was just
13:30
Speaker 3: really cool to have all the responsibility on me because
13:32
Speaker 3: then I could make all the decisions and I made
13:36
Speaker 3: a lot more responsible decisions because I had nobody to
13:40
Speaker 3: fall back on. No one was coming to save me.
13:42
Speaker 3: If I didn't make things work for the kids, then
13:44
Speaker 3: they weren't going to have a roof over their heads.
13:46
Speaker 3: So that did sort of force me into better money habits.
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Speaker 4: So how much were you actually earning as a bank
13:54
Speaker 4: what were you going in corporate banking?
13:56
Speaker 3: I was on just over one hundred thousand a year.
14:00
Speaker 3: Good cash, it was, but I don't know where it
14:02
Speaker 3: all went. Like I never seemed to be able to
14:04
Speaker 3: go out for lunch or dinner or anything like that.
14:07
Speaker 3: And I think it was because I had extra people
14:12
Speaker 3: to pay for and take care of, whereas once I separated,
14:15
Speaker 3: it was just me and the two kids. I didn't
14:18
Speaker 3: have to worry about. Oh, Like I thought I had
14:20
Speaker 3: three hundred in the account and now I was only thirty. That, yeah,
14:24
Speaker 3: what I had total responsibility over I seemed to make
14:27
Speaker 3: it stretch further.
14:28
Speaker 2: Yeah, No, that makes a lot of sense.
14:30
Speaker 4: So it sounds like maybe you were not super on
14:33
Speaker 4: top of your cash flow at the time. How did
14:35
Speaker 4: you find going from you know, one hundred thousand dollars,
14:38
Speaker 4: which is still a very good income, but how did
14:40
Speaker 4: you find going from that to earning you know, in
14:43
Speaker 4: the multiples of hundreds? You've said, you know, throughout your
14:47
Speaker 4: questions earlier, you were talking about your risk appetite and
14:50
Speaker 4: your retirement strategy. Have you found yourself leaning on professionals
14:55
Speaker 4: to give you advice or did you learn yourself along
14:57
Speaker 4: the way.
14:59
Speaker 3: So I'm really lucky that from my banking experience I
15:02
Speaker 3: know a little bit. However, I do enlist the help
15:07
Speaker 3: of professionals. So I have an investment strategist, I have
15:11
Speaker 3: a book keeper, and I have an accountant. Because even
15:15
Speaker 3: though I think I know a lot, I also didn't
15:17
Speaker 3: go to university to study any of this, and they did.
15:20
Speaker 3: So I'm happy to hand the reins over to them.
15:23
Speaker 3: They do the things that they're the experts in, and
15:24
Speaker 3: I'll do the things that I'm the expert in, which
15:27
Speaker 3: is running my business.
15:29
Speaker 2: Yeah.
15:29
Speaker 4: And was they're a learning curve for you jumping from
15:32
Speaker 4: the lower to the higher income.
15:34
Speaker 3: Yes, So the first thing I learned was just how useless,
15:37
Speaker 3: I am. I was. I can do my own bookkeeping
15:39
Speaker 3: and my own tact return. No I cannot. I just
15:43
Speaker 3: I do know what I'm doing with numbers. But when
15:47
Speaker 3: I had to look at company structures and things like that,
15:51
Speaker 3: it just became a smart iday to hand over to
15:54
Speaker 3: someone who knew what they were doing inside and out,
15:58
Speaker 3: not just me trying to do the best I could.
16:01
Speaker 2: And that makes sense, And it's funny because I'm obviously
16:05
Speaker 2: really into finance, love it, but I don't do any
16:08
Speaker 2: of my own bookkeeping. And I don't because I want
16:11
Speaker 2: to outsource it to a professional who has the time,
16:14
Speaker 2: energy and effort to stay up to date on tax
16:17
Speaker 2: law and superannuation and what's going on and making sure
16:20
Speaker 2: that my employees are paid properly. And to be honest,
16:24
Speaker 2: after doing a little bit of a cost benefit analysis,
16:26
Speaker 2: I'm more valuable, you know, producing content and being in
16:30
Speaker 2: es on the money and doing the work than I
16:32
Speaker 2: am if I'm doing my bookkeeping. And to be honest,
16:35
Speaker 2: it probably takes me true of all the amount of
16:36
Speaker 2: time it takes my bookkeeper because she knows it like
16:38
Speaker 2: the back of her hand.
16:40
Speaker 3: Yeah, you do what you do best, and they do
16:41
Speaker 3: what they do best. Yeah, exactly as soon as I
16:44
Speaker 3: could afford it.
16:45
Speaker 2: I feel like it's an interesting concept though, because so
16:48
Speaker 2: many people, even once they do start generating money, they
16:51
Speaker 2: just throw an outsource because they're like, oh, it's a
16:52
Speaker 2: waste of money. I can do it myself. But it's
16:54
Speaker 2: such a mindset shift. I want to know a bit
16:57
Speaker 2: more about OnlyFans.
16:59
Speaker 3: Right.
17:00
Speaker 2: Obviously it's in an industry that is heavily clouded by
17:05
Speaker 2: a lot of judgment, which is obviously not necessary. But
17:09
Speaker 2: making that decision as a young mum, how did you go?
17:12
Speaker 2: All Right, I'm going to give this a crack, because
17:15
Speaker 2: I feel like it's a massive jump to go from
17:17
Speaker 2: corporate banking into the sex industry and go, you know what,
17:21
Speaker 2: I'll just give it a hot crack.
17:23
Speaker 3: Yeah. I didn't intend to do it long term. I
17:25
Speaker 3: thought I was just going to do it for a
17:27
Speaker 3: month or so. I was going to be anonymous, clear
17:30
Speaker 3: some bills, and then move on with my life. However,
17:34
Speaker 3: once I guess that money started rolling in and I
17:37
Speaker 3: was also doxed, so I was outed. Very early on
17:42
Speaker 3: in my adult career. I had somebody contact my ex husband,
17:46
Speaker 3: my parents, my family. I had a girl subscribe to
17:50
Speaker 3: my only fans, screenshop everything, and send it around to
17:53
Speaker 3: all the school dads.
17:54
Speaker 2: Oh that's horrendous.
17:56
Speaker 1: Yeah.
17:56
Speaker 3: I had pet police, our protection, everything. And it was
18:02
Speaker 3: a really hard time because I just felt like I
18:04
Speaker 3: was a like a fork in the road and I
18:06
Speaker 3: could either be like, hey, guys, I'm sorry, I should
18:08
Speaker 3: never have done this, or I could be like, you
18:10
Speaker 3: know what, I'm going to do this and I'm going
18:13
Speaker 3: to do it for my kids. And I remember someone
18:14
Speaker 3: saying like, you are not attractive, you are fat, you
18:18
Speaker 3: don't know what you're doing. Do you honestly think you're
18:21
Speaker 3: going to make any money? And I'm just like, you
18:23
Speaker 3: know what, Like I just look at my kids. You
18:25
Speaker 3: watch me like, I'll make as much money as I
18:28
Speaker 3: want to because I am so motivated by those two
18:31
Speaker 3: little people in my life. If I don't make bank
18:33
Speaker 3: for them, nobody else was going to. So I always
18:37
Speaker 3: say that no one hustles like a single parent, and
18:41
Speaker 3: it really propelled me. Having all that stigma and judgment,
18:47
Speaker 3: it motivated me even more to make sure that I
18:49
Speaker 3: was like, you know what, I've already got this reputation. Now,
18:52
Speaker 3: I've already got this stigma attached to me. If these
18:55
Speaker 3: people are going to run around and try to shame
18:57
Speaker 3: me and call me a whore and things like that,
18:59
Speaker 3: then I'm going to be the best for I've ever seen.
19:01
Speaker 2: Ah, that's a good way to own it. It just
19:04
Speaker 2: it blows my mind that people can be so unkind.
19:07
Speaker 2: Instead of just like letting you do your thing over
19:10
Speaker 2: to the left and just going right, they choose to
19:13
Speaker 2: actively bring you down. But in reality, that probably gave
19:16
Speaker 2: you a whole hit more more publicity, and that's not
19:18
Speaker 2: a bad thing when we're trying to make bank.
19:20
Speaker 3: Is that exactly? Yeah? I don't understand. I mean I
19:25
Speaker 3: I personally I am not going to go out and
19:26
Speaker 3: become a mechanic. But I don't have anything against someone
19:29
Speaker 3: who does go and become a mechanic. I'm not going
19:31
Speaker 3: to be like, you shouldn't do that, you're dirty and
19:32
Speaker 3: greasy or I don't know, something like who cares? It
19:35
Speaker 3: makes them happy. And I don't understand why it's not
19:38
Speaker 3: the same for people who are in the sex industry.
19:40
Speaker 3: People just seem to think that they get to have
19:44
Speaker 3: an opinion on it when they don't. Really, it's just
19:47
Speaker 3: like every other job.
19:49
Speaker 2: Absolutely, and I just I believe so strongly that it's
19:52
Speaker 2: just your choice. Like, if that's the job you've chosen, great,
19:55
Speaker 2: Like you don't have to do it. I don't want
19:56
Speaker 2: to be a brain surgeon, so I'm not going to
19:57
Speaker 2: become one.
19:58
Speaker 3: Yeah.
19:59
Speaker 2: I think it's really interest and I think that you
20:01
Speaker 2: know this idea that you have to conform to other
20:05
Speaker 2: people's ideals. It's one wild, but two you just look
20:09
Speaker 2: at it and you just go all right. But that
20:11
Speaker 2: doesn't mean that I'm a bad person. I think there's
20:13
Speaker 2: this stereotype that if you're in the sex industry, it
20:16
Speaker 2: must be out of desperation, it must be that you're
20:20
Speaker 2: you know, on drugs or not doing the right thing,
20:23
Speaker 2: or a subpar human. But like, you're just a mum
20:26
Speaker 2: being mum and you want to put food on the
20:29
Speaker 2: table and give your kids the best life you absolutely can,
20:32
Speaker 2: and you you've found a way to do that, and
20:34
Speaker 2: I think that that should be celebrated, not brought down.
20:38
Speaker 3: Thank you. It's something I get really passionate about, and
20:41
Speaker 3: I do talk quite openly about the fact that I
20:44
Speaker 3: don't look like your typical porn style like I've got.
20:48
Speaker 2: I mean, you're really pretty, you're really really pretty so
20:50
Speaker 2: like I mean, I can see how you made four
20:52
Speaker 2: hundred grand, like that makes sense story about but I've
20:57
Speaker 2: got like.
20:57
Speaker 3: Sell your like so much like what stretched And I've
21:00
Speaker 3: got that wobbly tummy because I've had pregnancies. My body
21:04
Speaker 3: didn't bounce back, which is fine. Before I started this job,
21:08
Speaker 3: I've never even been to a strip club. This isn't
21:10
Speaker 3: something that I was supposed to do, but it's something
21:14
Speaker 3: that I fell into. And now I'm like, while was
21:18
Speaker 3: I working at the bank, I should have imagined how
21:20
Speaker 3: far ahead I've been fed it this years ago. The
21:22
Speaker 3: stigma that's attached to it is worth the happiness I
21:25
Speaker 3: have now, and it's worth what I'm able to provide
21:28
Speaker 3: for my kids. Like that's everything to me.
21:31
Speaker 2: Yeah, that is honestly. I love that you're just doing
21:35
Speaker 2: something that makes you happy and puts you in the
21:37
Speaker 2: best possible position, and that's nobody's place to judge. I
21:41
Speaker 2: want to know, though, what do your kids think you
21:43
Speaker 2: do for work?
21:44
Speaker 3: They think I just work on the computer.
21:46
Speaker 2: Yeah, good, nice.
21:48
Speaker 3: When they get old enough. It's not something I'm ashamed about,
21:50
Speaker 3: and I'm really looking forward to having that conversation with
21:53
Speaker 3: them when they're a bit older, but at the moment
21:55
Speaker 3: they're not at an age were they to know what
21:57
Speaker 3: sex is or porn. Yeah, anything like that. I'm really
22:02
Speaker 3: careful to tell them, like they see that I'm working hard,
22:06
Speaker 3: and sometimes in the morning I'm like, I'm just really
22:08
Speaker 3: tired today. I set up to two am working, but
22:12
Speaker 3: I just paid your school fees in full for the
22:14
Speaker 3: whole year. Like how lucky am I that we get
22:16
Speaker 3: to do that and I can work from home and
22:18
Speaker 3: do that. I want them to be able to see
22:20
Speaker 3: me working, but not see me working.
22:23
Speaker 2: No, absolutely, it makes sense.
22:24
Speaker 3: I mean, not that really fancy, but the fact that
22:27
Speaker 3: I can pay school fees in full is huge to me.
22:30
Speaker 3: And I want them to show, especially having boys, I
22:33
Speaker 3: want them to see that Mum was a single mum,
22:36
Speaker 3: Mum worked really hard, and mum put us through private
22:39
Speaker 3: schools by herself.
22:41
Speaker 2: Yeah, and that is honestly something to be so proud of.
22:44
Speaker 2: Like how crazy Mum's putting both kids through private school
22:48
Speaker 2: all on our own. Yeah. I love that. It makes
22:51
Speaker 2: me so wildly happy to think that, Yeah, people are
22:54
Speaker 2: just doing their own thing and putting themselves in the
22:56
Speaker 2: best position.
22:58
Speaker 3: Yeah, thank you.
23:00
Speaker 4: Looking of the kids. How have you gone with the divorce?
23:04
Speaker 4: Does your ex partner contribute at all financially or are
23:08
Speaker 4: you completely doing this by yourself.
23:10
Speaker 3: He does contribute financially now. That's certainly started in the
23:14
Speaker 3: last few months. We owned a house, and when I left,
23:20
Speaker 3: I tried to have this conversation with him about how
23:22
Speaker 3: we're going to settle things financially, and he discerned about
23:26
Speaker 3: and he said, you're not seeing a scent. Oh my god,
23:29
Speaker 3: if you want to go down this road, i'll see
23:31
Speaker 3: you in court. And I just thought. I was like,
23:33
Speaker 3: I've got too much on my plate. I can't go
23:35
Speaker 3: to court, and I just let you keep it. You
23:37
Speaker 3: keep everything. I just want the kids. So he kept
23:41
Speaker 3: I didn't see anything from the house. It's all in
23:44
Speaker 3: his name. He kept all his super everything. So I
23:48
Speaker 3: just did it all on my own. But it was
23:51
Speaker 3: really important for me to be able to turn around
23:53
Speaker 3: and be like, you know what, keep it, I'll do
23:55
Speaker 3: it by myself. Oh, you just see the kids now.
23:59
Speaker 3: And he does tribute a little bit each month, which
24:02
Speaker 3: is really cool. But I'm kind of glad that he
24:05
Speaker 3: did that after I bought the house, because it was
24:07
Speaker 3: just so important for me. To be able to say
24:09
Speaker 3: that I did buy this house all on my own
24:12
Speaker 3: without a sense of child's plot.
24:13
Speaker 4: That's incredible. You said earlier that when your parents divorced
24:17
Speaker 4: when you were young, that it was the start of
24:19
Speaker 4: a lot of instability for you going through the same
24:22
Speaker 4: experience yourself. What have you changed for your kids so
24:25
Speaker 4: that they don't feel the same way.
24:28
Speaker 3: So when my parents separated I was ten, I ended
24:32
Speaker 3: up in a boarding school in the middle of nowhere
24:35
Speaker 3: at FDH, yeah, which I hated. And then I moved
24:38
Speaker 3: out on my own at sixteen. So I've been on
24:40
Speaker 3: my own from a really young age and I just
24:44
Speaker 3: sort of like bounced around. And my son actually asked
24:46
Speaker 3: me yesterday, He's like, how many houses have you lived in, mum?
24:50
Speaker 3: And I was like, I think about thirty. It was
24:52
Speaker 3: a lot. Well, yeah, I don't have somewhere where I
24:56
Speaker 3: can like go home and see my old bedroom, or
25:00
Speaker 3: I don't have things from my childhood, and I didn't
25:03
Speaker 3: want that for my boys. And when we moved in here,
25:08
Speaker 3: I sort of said to them, I was like, you know,
25:09
Speaker 3: we can paint your room how you want, Like, see
25:12
Speaker 3: this brick, this is our brick, and maybe we weren't
25:14
Speaker 3: living for about and if we want to, and we've
25:18
Speaker 3: got this big dream that we want to buy a farm.
25:19
Speaker 3: We want to have like a not big maybe five
25:22
Speaker 3: or ten acres, And they know that if we move again,
25:25
Speaker 3: it'll only be once and will only be if we
25:28
Speaker 3: have a little farm. Maybe it's not important to the boys,
25:31
Speaker 3: but it's important to me that they've got that stability.
25:34
Speaker 3: They either come home to this house or they'll come
25:36
Speaker 3: home to one other house and then that's it. Like
25:38
Speaker 3: they don't I want to move them again. And I
25:42
Speaker 3: feel like when I left their dad, it's sort of
25:47
Speaker 3: put a lot of financial responsibility onto me. But I
25:51
Speaker 3: haven't learned all myself because my parents haven't really taught
25:53
Speaker 3: me anything about money. Growing up to the lessons I've learned,
25:56
Speaker 3: I try to pass on to the boys as well.
26:00
Speaker 3: With this new house, my elder said to me, He's like,
26:03
Speaker 3: I've got one hundred dollars in my Spriggy account this
26:05
Speaker 3: app and he's like, if I give you one hundred
26:09
Speaker 3: dollars for the new house, do I get some bent
26:11
Speaker 3: as well? So once it settles, he's going to chance
26:16
Speaker 3: for me that one hundred dollars and then once the
26:19
Speaker 3: new house is built and the tenants in there, he's
26:21
Speaker 3: going to be getting like a portion of rent every
26:24
Speaker 3: single week back into his Spriggy account.
26:29
Speaker 2: House. Look what you're taught him.
26:32
Speaker 3: So cool to see. At school, they just started doing
26:35
Speaker 3: like a banking system, and he said to me the
26:38
Speaker 3: other day, He's like, I think the teacher is going
26:40
Speaker 3: to put me in charge and I'll be the banker
26:41
Speaker 3: of the classroom. Oh my god, why did she He's
26:45
Speaker 3: going to chase you for that. And he's like, well,
26:47
Speaker 3: when the teacher put the banking system in place, I
26:50
Speaker 3: was the only one who asked about what the interest
26:52
Speaker 3: rate was going to be.
26:55
Speaker 4: That's so good.
26:57
Speaker 3: It's so cool because all these things I only learned
26:59
Speaker 3: in my from the age of twenty nine. And the
27:03
Speaker 3: kids are growing up with this knowledge. So I hope
27:05
Speaker 3: that by the time they're my aid, they'll have a
27:07
Speaker 3: lot more the more I do, because they've learned it
27:10
Speaker 3: from childhood.
27:12
Speaker 2: Oh absolutely they will. And the reason they're doing that
27:14
Speaker 2: is because of you. And you're teaching them that, Like
27:17
Speaker 2: that is so wild. I heard you just mentioned Spriggy.
27:21
Speaker 2: Is that how you're teaching your kids about money? Like,
27:24
Speaker 2: how have you integrated them into this conversation because I
27:27
Speaker 2: feel like this is such a popular question in our
27:29
Speaker 2: community of all, you know, now we don't really exist
27:32
Speaker 2: in a cash society. How do you teach kids the
27:35
Speaker 2: value of money?
27:36
Speaker 3: Yeah, so they've got this pretty app on both their
27:38
Speaker 3: iPads so they can see what their bank balance is.
27:42
Speaker 3: They don't get pocket money. If they want money, they
27:45
Speaker 3: have to come to me and say, hey, Mom, I
27:47
Speaker 3: want to earn money for Minecraft or Robucks or.
27:51
Speaker 2: Whatever they're saving up for.
27:54
Speaker 3: Yeah, and my youngest is written, I've got on the
27:56
Speaker 3: Fridgid list of jobs. Is that make moms bed three dollars?
28:02
Speaker 3: Vacuum floor fifty cents? Like none of the prices.
28:05
Speaker 2: Makes sense, but that's all right.
28:07
Speaker 3: Yeah, he's written up and he's done it all by himself,
28:09
Speaker 3: and he's like is this okay? And I'm like, yeah, great.
28:12
Speaker 3: So it's on the fridge and when they do a
28:14
Speaker 3: job or I just jump on my phone. I transferred
28:17
Speaker 3: across to their Spriaky account and they can see it
28:20
Speaker 3: on their iPads. And they both got little Star Wars
28:23
Speaker 3: bank cuts. They can go to the shops and spend
28:27
Speaker 3: money on. I try to let them make mistakes, so
28:31
Speaker 3: my youngest will always just want to go and buy
28:32
Speaker 3: lollies and yet like the gob stoppers and things. And
28:35
Speaker 3: then his brother always has money. His brother, you know,
28:38
Speaker 3: has that one hundred dollars that he's putting into the
28:39
Speaker 3: investment property, and my youngers is like, it's not there.
28:43
Speaker 3: He always has money. I'm like, yes, because you spend it,
28:47
Speaker 3: so it's cool. And they can see the transactions on
28:49
Speaker 3: their spooky apps as well, so I can say, look
28:52
Speaker 3: at all this money you spent, let's add it up
28:54
Speaker 3: and see what you would have had in your account
28:56
Speaker 3: if he didn't spend that. So it's about putting the
29:00
Speaker 3: responsibility onto them, but helping them make good decisions and
29:05
Speaker 3: supporting them when they make bad ones, and just sort
29:08
Speaker 3: of working together. I try to have a really open
29:11
Speaker 3: conversation with them about money. If they're like, oh, can
29:15
Speaker 3: we go I don't know to this place, and I'm like,
29:18
Speaker 3: we can go to this place, but if we go
29:20
Speaker 3: to this place, then maybe we won't be able to
29:22
Speaker 3: do this next week instead. So it's about helping them
29:27
Speaker 3: just have exposure to money and realize money is real
29:30
Speaker 3: and that we all need to be held accountable.
29:32
Speaker 2: That is incredible. I love that so much. You sound
29:35
Speaker 2: like you are such a good mum.
29:37
Speaker 3: I've got no idea if it's going to work out.
29:39
Speaker 2: No, but it's more about the care and the love
29:42
Speaker 2: and the reason you do things right, like it's all
29:45
Speaker 2: about purpose. It's not necessarily right or wrong. There's actually
29:48
Speaker 2: no right or wrong when it comes to money stories
29:50
Speaker 2: and how people learn and what they should and shouldn't know.
29:53
Speaker 2: I mean, it seems like you've got a pretty straight
29:55
Speaker 2: down the line, I reckon, I hope.
29:57
Speaker 3: So I just want to to input new generational money
30:03
Speaker 3: habits into my kids and then hopefully it'll start something.
30:09
Speaker 3: And not that I'm not. I don't really care if
30:12
Speaker 3: I'm rich or not. But I just want to be
30:13
Speaker 3: happy and the money that I've got can do things
30:15
Speaker 3: that make me happy. So it's just instilling those values
30:18
Speaker 3: into the gifts.
30:20
Speaker 2: I love that. Oh my gosh, what a special money, Darry.
30:23
Speaker 2: Thank you so much for sharing with us.
30:26
Speaker 3: Thank you for having me.
30:27
Speaker 2: No, of course, Well, Jess, unfortunately, I think that is
30:30
Speaker 2: all we have time for today.
30:31
Speaker 4: So can you wrap the boring but important stuff? Absolutely
30:34
Speaker 4: don't forget guys. The advice shared on She's on the
30:36
Speaker 4: Money is general in nature. And just not consider your
30:39
Speaker 4: individual circumstances. She's on the money exists purely for educational
30:42
Speaker 4: purposes and should not be relied upon to make an
30:45
Speaker 4: investment or a financial decision. And we promise Victoria divine
30:48
Speaker 4: and She's on the money are authorized representatives of Infocused
30:51
Speaker 4: Securities Australia Proprietary Limited ABM four seven oh nine seven
30:55
Speaker 4: seven nine seven O four nine AFSL two three six
30:58
Speaker 4: five two three.
31:00
Speaker 2: Always still feels like such a mouthful. To see you
31:03
Speaker 2: on Wednesday, guys.
31:04
Speaker 4: Bye,