Latest / She's On The Money / Swifties, Sweethearts and Sausage Dogs!

Transcript

Swifties, Sweethearts and Sausage Dogs! · She's On The Money

0:00
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
0:04
Speaker 1: the Order KERNI Whoalbury and a waddery woman. And before
0:08
Speaker 1: we get started on She's on the Money podcast, I
0:11
Speaker 1: would like to acknowledge the traditional custodians of the land
0:14
Speaker 1: of which this podcast is recorded on a wondery country,
0:18
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
0:22
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
0:27
Speaker 1: and the storytelling of you to make a difference for
0:30
Speaker 1: today and lasting impact for tomorrow.
0:33
Speaker 2: Let's get into it.
0:34
Speaker 3: She's on the Money. She's on the Money.
0:58
Speaker 2: Hello and welcome. She's on the Money the podcast and
1:01
Speaker 2: millennials who want financial freedom Today, my friends, it is Friday,
1:05
Speaker 2: which means it is Taylor Swift Day tomorrow. Yeay. Also,
1:10
Speaker 2: we're mean to be getting our team together to celebrate you.
1:13
Speaker 2: How incredible She's on the Money community and Taylor Swift,
1:16
Speaker 2: which we are very very excited about. I don't know
1:19
Speaker 2: if you know this, Beck, but like Jess and I,
1:20
Speaker 2: what are we doing? We'll go to Taylor Swift? Really
1:24
Speaker 2: did you? Did you know?
1:26
Speaker 4: I had a feeling and it's just a slight suspicion.
1:28
Speaker 2: I love it. I love It's all we've been talking about,
1:30
Speaker 2: and now it's literally less than twenty four hours away.
1:33
Speaker 2: But before we get there, we actually have some work
1:35
Speaker 2: to do. We want to get through an entire Friday
1:37
Speaker 2: episode of our podcast. Today, Miss Jess Gricci, she's going
1:41
Speaker 2: to go through our favorite money wins. I wonder if
1:43
Speaker 2: she's pulled out any Taylor Swift inspired ones. Beck, You're
1:46
Speaker 2: going to be taking us through your broke tips. We're
1:49
Speaker 2: going to be helping to answer a juicy money dilemma,
1:52
Speaker 2: which of this week is all about pet insurance. I
1:54
Speaker 2: feel like we haven't talked about that topic in a
1:56
Speaker 2: very long time, and we're going to be unpacking something
1:59
Speaker 2: that you slid into ours about always spicy, but this
2:02
Speaker 2: week you ask if you should move in with your
2:04
Speaker 2: in laws to save for a house. I feel like
2:08
Speaker 2: there could be some pretty good pros and cons from
2:10
Speaker 2: both of those. But before we get there, let's start
2:13
Speaker 2: with you, Beck, because I know Jess has had a
2:15
Speaker 2: good week and it's mainly due to anticipation. What has
2:18
Speaker 2: your week.
2:18
Speaker 4: Been like, my love, My week's been really nice, obviously,
2:22
Speaker 4: Valentine's Day. Love is in the air and.
2:26
Speaker 5: We know it.
2:26
Speaker 2: Last week you did a little soft launch and said
2:29
Speaker 2: I do have a date.
2:30
Speaker 4: I do have date. It was really really really nice
2:34
Speaker 4: and just like it was really cute and I love love.
2:40
Speaker 4: So what did you do? So this is a little
2:42
Speaker 4: bit spicy, but we do actually work together, and so
2:45
Speaker 4: we work.
2:46
Speaker 2: Our bosses are listening to this episode.
2:49
Speaker 4: If you are my boss or someone that works with me,
2:53
Speaker 4: please stop listening right now.
2:55
Speaker 2: You didn't hear this, bye, Yeah, exactly.
2:57
Speaker 4: No, it was really good. So we worked obviously in
2:59
Speaker 4: the daytime together, which was really cute.
3:01
Speaker 2: She's on the money team. Sadly, no, So like you
3:04
Speaker 2: guys don't need to speculate about that, true, because I
3:07
Speaker 2: don't know. Maybe they'd be like, hey, Jess, I thought
3:09
Speaker 2: you had a boyfriend. Well, well you know.
3:13
Speaker 4: When Valentine's Day comes around, people where different. But you know,
3:16
Speaker 4: you love you just want to love love, you just
3:18
Speaker 4: want to love them, exactly, exactly, exactly, No, it was
3:20
Speaker 4: it was really cool, and so yes, we did work
3:23
Speaker 4: all day together, and not a lot of people know,
3:25
Speaker 4: so we had to pretend that we were just like
3:27
Speaker 4: what's going on?
3:28
Speaker 2: But really, but really you're like deeply enough, yes.
3:31
Speaker 4: Exactly exactly. And then after that we just went to
3:34
Speaker 4: a gallery, went walked around the city and had some
3:36
Speaker 4: nice food and did all the nice like romantic.
3:38
Speaker 2: Things you made, fortune cookies I did.
3:41
Speaker 4: You might hear about that a little bit later.
3:42
Speaker 2: My tip.
3:44
Speaker 4: Sorry at all.
3:46
Speaker 2: I love.
3:47
Speaker 4: That's me.
3:47
Speaker 2: That's the best. That's me, miss Jess. How's your week being?
3:50
Speaker 6: It's been good, as you said, just the prep work,
3:53
Speaker 6: finishing my outfit, making more braceless, really very excited.
4:00
Speaker 4: How many bracelets do you have now?
4:02
Speaker 2: Well?
4:03
Speaker 6: I think I have about thirty maybe, but some of
4:07
Speaker 6: those have been dibbed by Gabby and then I love that.
4:12
Speaker 2: Gabby's just like, heyges, can you please do the hard yards?
4:16
Speaker 6: Yeah? And I do thy maker, do that absolutely, I
4:18
Speaker 6: will so. Yeah, not heats because you have to well
4:21
Speaker 6: originally they said you had to wear them in it,
4:23
Speaker 6: and they change their minds. But you trade them too,
4:25
Speaker 6: so I thought, rather than collecting and collecting and halting,
4:28
Speaker 6: I would rather just keep trading because I feel like
4:30
Speaker 6: that's really fun.
4:30
Speaker 2: I have questions. So I've seen on TikTok so many
4:33
Speaker 2: women making their bracelets right, which sligh like I wish
4:36
Speaker 2: I had time for it, because I feel like that
4:38
Speaker 2: would be a fun activity. We also seeing so many
4:40
Speaker 2: girl date nights where they're drinking a little like little
4:43
Speaker 2: wine and making bracelets together, and I was like, why
4:46
Speaker 2: didn't we do that, Jessica. That's very US coded, and
4:48
Speaker 2: we don't do it. But I keep seeing people with
4:51
Speaker 2: like hundreds of bracelets, Like what are you doing with them?
4:53
Speaker 2: Are you like gifting them away? Are you trading them?
4:56
Speaker 2: Once you're done at the concert? Do you then have, like,
4:58
Speaker 2: I don't know, one hundred and fifty bracelet so you
5:00
Speaker 2: bring home, Like, jess what's the point.
5:02
Speaker 6: Yeah, Well, some people have been making these little dio
5:04
Speaker 6: eyes with this shadow frame box to get a kmart
5:07
Speaker 6: and they put like their ticket in the box and
5:08
Speaker 6: they're going to store them for like the memes or
5:11
Speaker 6: people might wear them. But I think, like, I wouldn't
5:13
Speaker 6: need hundreds. I wouldn't know what to do with it,
5:15
Speaker 6: which is why I thought I'll make less and then
5:17
Speaker 6: just trade, and I assume that some of them you'll
5:20
Speaker 6: give away, and you know, between gabs and you whatever.
5:23
Speaker 2: I'm excited. I'm so excited. I don't even have any
5:25
Speaker 2: bracelets to trade. I think I'll just be standing next
5:27
Speaker 2: to Jess while she's trading, clapping like a little like
5:30
Speaker 2: monkey toy, being like, yeah, this is so fun.
5:33
Speaker 6: That's all right, I'll bring you some too.
5:34
Speaker 4: It's cute tradition.
5:36
Speaker 6: It's very fun.
5:37
Speaker 4: How does it even start?
5:38
Speaker 6: Because there's a line in one of the songs that
5:39
Speaker 6: says make the friendship bracelets, and so.
5:41
Speaker 2: People started trading.
5:43
Speaker 4: That is so wholesome.
5:44
Speaker 2: It is all right, love love, I love Taylor Swift.
5:47
Speaker 2: I feel like all of these things go together, just
5:49
Speaker 2: to go weak love story.
5:51
Speaker 4: Yeah, and how's your week being?
5:52
Speaker 2: My week has been good. I have not been nearly
5:54
Speaker 2: as active as you guys. My husband decided that maybe
5:58
Speaker 2: I was a little bit too pregnant to go out
6:00
Speaker 2: for dinner on Valentine's Day, and I was like, oh, okay, yeah,
6:03
Speaker 2: that's fair. But I had a really big day at
6:06
Speaker 2: work and then I came home and he made a
6:07
Speaker 2: little picnic. Yeah sweet, and we had it on our
6:11
Speaker 2: back garden and that was very wholesome. But yes, he
6:14
Speaker 2: is correct, I was too pregnant to go out. If
6:16
Speaker 2: he had mentioned it, I think I would have had
6:18
Speaker 2: a breakdown.
6:19
Speaker 4: That's so fair.
6:20
Speaker 2: I would have been like, absolutely not.
6:21
Speaker 6: We love a man that knows we do.
6:24
Speaker 2: So let's move on because it's not all about me.
6:26
Speaker 2: I want to know Jess more about the community. What
6:29
Speaker 2: community money wins he bringing to the table today, and
6:32
Speaker 2: are they Taylor Swift themed? You know what?
6:35
Speaker 6: There wasn't a lot about Taylor Swift this week. I
6:37
Speaker 6: feel like everyone is just prepping in anticipation.
6:39
Speaker 4: Don't imagine that you would be able to find many
6:42
Speaker 4: money saving hacks when it comes to Tail Swift because
6:44
Speaker 4: the ticks are expensive. You can't really get tickets, Like.
6:46
Speaker 6: They didn't know the drop this week?
6:48
Speaker 4: You believed that, Oh my goodness, what ticket drop?
6:50
Speaker 5: Yeah?
6:51
Speaker 2: Like an extra one?
6:51
Speaker 6: Like I don't know where the tickets came from because
6:53
Speaker 6: they've been sold out for.
6:55
Speaker 2: Sure, But I don't know where they came from either.
6:58
Speaker 2: I saw that on socials and so excuse me what?
7:01
Speaker 2: And they did like a bit of a money win
7:02
Speaker 2: though they did start at sixty five dollars fifty, which
7:05
Speaker 2: I thought was really accessible.
7:06
Speaker 6: That is a bargain.
7:07
Speaker 2: Wow, So I feel like so many people obviously they
7:09
Speaker 2: would have been absolutely snapped up in point two seconds. Sure, yeah,
7:15
Speaker 2: what would you say, Jess? We invested in our tickets.
7:18
Speaker 2: It's an investment.
7:19
Speaker 6: It was an investment in our joy and it's money
7:21
Speaker 6: well spent.
7:21
Speaker 2: Yeah, it's aligned to our values.
7:24
Speaker 4: Yes.
7:24
Speaker 2: And by aligned to our values, I mean Jess's ticket
7:27
Speaker 2: was free because it was aligned to my values to
7:29
Speaker 2: make sure she came with me.
7:30
Speaker 6: I love that money.
7:32
Speaker 1: Whin.
7:34
Speaker 3: That's money whin.
7:35
Speaker 5: All right.
7:35
Speaker 6: My first money in this week is actually Taylor swift
7:37
Speaker 6: themed from Alyssa, who said I accidentally left my friendship
7:41
Speaker 6: bracelet making to the last minute the week the concert,
7:44
Speaker 6: and now it is so hard to find good beads
7:47
Speaker 6: and string. Not once, but twice this week. I've been
7:50
Speaker 6: lucky enough to score a heap of free beads and
7:52
Speaker 6: string from other swifties who have finished making this.
7:55
Speaker 2: Oh that's a good money win.
7:56
Speaker 6: It also saved me money because I spent the weekend
7:58
Speaker 6: making bracelets instead of going out and spending money that
8:01
Speaker 6: they shouldn't be spending.
8:02
Speaker 4: That love that's girl math.
8:03
Speaker 6: Swifties are so good, like they are just the kind
8:06
Speaker 6: of people to be like, I'm done, you have it,
8:08
Speaker 6: you take it. Yeah, we love to see it. Next,
8:11
Speaker 6: I've got a money win from Tory, who said, pro
8:13
Speaker 6: I picked up an extra Sunday shift at work. Con
8:16
Speaker 6: I have to work said Sunday shift, and I have
8:18
Speaker 6: mad regrets, but I see you with the pro a
8:20
Speaker 6: Sunday shift that double pay or pays still.
8:23
Speaker 2: Get pay in a half.
8:25
Speaker 6: Maybe in hospital, certain industries maybe I'm not sure, but it.
8:28
Speaker 2: Was the entire reason I would happily work very hungover
8:33
Speaker 2: when I was much younger, because I'd have my Sunday
8:36
Speaker 2: eleven till five shift Steve Madden the shoe store on
8:39
Speaker 2: Chapel Street, and I just remember feeling so violently ill
8:43
Speaker 2: the entire time because I was a very very well
8:46
Speaker 2: balanced adult and definitely year how to manage my time.
8:49
Speaker 2: But every second that I was like I wish I
8:51
Speaker 2: wasn't here, I would then remember.
8:53
Speaker 4: Double pay pay baby. That doesn't sound like an open
8:55
Speaker 4: all closed shift as well, which.
8:57
Speaker 2: Is no, no, no, it was. It was both. It was
8:59
Speaker 2: like limited training hours. Otherwise it was usually like ten
9:03
Speaker 2: till six, So ten till six on a Saturday, and
9:05
Speaker 2: then I do eleven till five on a Sunday, and
9:07
Speaker 2: I'd always make more money on the Sunday doing less time.
9:10
Speaker 2: He love that.
9:11
Speaker 1: Love that.
9:11
Speaker 6: Next, I've got a money in from Rachel who said,
9:13
Speaker 6: I paid off and canceled the dreaded evil after pay today.
9:17
Speaker 2: Get it? How liberating though, just knowing that you not
9:22
Speaker 2: only don't have that debt anymore, but you're just like,
9:24
Speaker 2: I don't need you.
9:26
Speaker 6: One hundred dre it. Then I've got a money in
9:28
Speaker 6: here from Nicole, who said money in. My son got
9:30
Speaker 6: his license on Wednesday. WI who to petrol and insurance
9:34
Speaker 6: savings because he's going to pay for it himself now
9:36
Speaker 6: that he's eighteen.
9:37
Speaker 2: Great, he's not going to see what's coming though he
9:39
Speaker 2: doesn't know how expensive that is.
9:42
Speaker 6: For the shock of your whole life.
9:43
Speaker 2: Fine free and we're like, from what exactly financial way
9:49
Speaker 2: heavier than being.
9:50
Speaker 4: Able to drive exactly.
9:51
Speaker 6: And then lastly, I've got money in this week from Rachel,
9:54
Speaker 6: who said money win. We celebrated my son's third birthday
9:57
Speaker 6: and normally I would order a cake that would cost
9:59
Speaker 6: between one hundred and twenty one hundred and fifty dollars.
10:01
Speaker 6: I decided to make it and it cost me thirty
10:04
Speaker 6: five dollars instead, including the decorations. And you know we
10:07
Speaker 6: have a photo. Oh that's cue and that money like
10:10
Speaker 6: that it looks really good. Go have a look at
10:12
Speaker 6: the thread for Rachel's cake because it looks fantastic.
10:15
Speaker 4: How do people just do that? That's incredible, delicious? I
10:18
Speaker 4: love that amazing.
10:19
Speaker 2: I reckon, you'd be good at that.
10:20
Speaker 1: Beck.
10:20
Speaker 2: I feel like you're good at everything. You're always good. Ah,
10:23
Speaker 2: You're like, oh, I made Fortune cookies, and I'm like,
10:25
Speaker 2: of course you did. I didn't.
10:26
Speaker 1: Like.
10:26
Speaker 2: Jess and I just looked at each other and we're like, how.
10:28
Speaker 4: Though, Yeah, it takes a lot of patience.
10:31
Speaker 2: Yeah, but like you're resourceful, you could make a cake
10:34
Speaker 2: like that for sure? Is that it's Jess Green.
10:37
Speaker 6: That's I'm excited to hear more about the Fortune cookies.
10:39
Speaker 4: True?
10:40
Speaker 2: So I brought that up too early? Did I spoil
10:42
Speaker 2: the broke tips?
10:43
Speaker 4: Don't be sorry at all. Actually I'm glad that you did.
10:45
Speaker 2: Let's say that to the end of the broake tips though,
10:48
Speaker 2: good idea, give us two and then we want to
10:50
Speaker 2: hear about your fortune cookies.
10:51
Speaker 4: Perfect. So, as always, there are two from the community
10:54
Speaker 4: and one from myself. So the first broke Tip comes
10:56
Speaker 4: from Kim, who says, and it's actually good on few
10:58
Speaker 4: v because I know that you say that sometimes literally
11:00
Speaker 4: go home because an avocado is going off that's me.
11:03
Speaker 4: Kim says, you can't. That's so fair. But if you
11:07
Speaker 4: try this, maybe you could spend the night at the
11:10
Speaker 4: pub or something. I can't imagine you're doing that, but.
11:13
Speaker 2: I'm literally like so pregnant at the moment. It's not
11:16
Speaker 2: funny like her, guys hard to watch me not just
11:19
Speaker 2: get on the chair, but heave myself onto this chair
11:22
Speaker 2: to record this episode.
11:23
Speaker 4: Scary. Actually, I was like, maybe we have to deliver today.
11:27
Speaker 4: I don't know.
11:28
Speaker 2: I really hope not, I swear. Jess is literally like
11:31
Speaker 2: every second like are you going to labor? And I'm
11:34
Speaker 2: like no, and then she's like, what about Taylor Swift?
11:36
Speaker 2: Are you gonna go into labor? And I'm like kind
11:38
Speaker 2: of hope. So so, just in my head, I have
11:40
Speaker 2: this idea that it would be hilarious to turn up
11:43
Speaker 2: at the birthing sweets at the hospital that I'm giving
11:45
Speaker 2: birth at in my Taylor Swift get up. I'll be
11:48
Speaker 2: in like a dazzled white cowboy boots like her, fancy
11:52
Speaker 2: like dress. I'll have my cowboy hat. There's probably gonna
11:54
Speaker 2: be a lot of glitter on my face, and I'll
11:56
Speaker 2: be like are you ready? Sorry?
11:58
Speaker 4: Yeah, that would be very very good.
12:00
Speaker 2: Let's go girls. I'm ready. I'm kind of.
12:02
Speaker 4: Ready for you to go into labor before the end
12:04
Speaker 4: of this episode. But we'll see. Sorry, So Kim says,
12:07
Speaker 4: sick of avocado is going yuck once you cut them
12:09
Speaker 4: and only use half. Yes, Kim, we are put them
12:12
Speaker 4: in a bottle of water. It stops the air getting
12:14
Speaker 4: in and keeps them from going brown. So cut them
12:17
Speaker 4: in half.
12:17
Speaker 6: Smart.
12:18
Speaker 2: I never thought of that. Yeah, trying to like glad
12:20
Speaker 2: wrap them shut and make sure it's like completely sealed.
12:24
Speaker 2: Telling me you.
12:25
Speaker 4: Could just put it in water, could just put it
12:27
Speaker 4: in water exactly, So yeah, there you go, just truck
12:29
Speaker 4: them in some water.
12:30
Speaker 2: I feel like that's like so smart. Yet I am
12:33
Speaker 2: not smart, So I never worked that out.
12:35
Speaker 6: Ideal breake tip so easy to execute, but so good,
12:40
Speaker 6: and like.
12:40
Speaker 2: I don't want to get canceled literally on my own podcast.
12:42
Speaker 2: But I throw away so many half avocados because they
12:45
Speaker 2: go a little bit dang, And I I know, I know,
12:47
Speaker 2: I'm sorry.
12:48
Speaker 4: It's okay, I'm sorry.
12:49
Speaker 2: What's your next broke tip before you get in trouble?
12:51
Speaker 4: It's compost, so isn't it at the end of the day? Okay,
12:54
Speaker 4: So This next one comes from Hannah. This one's a
12:56
Speaker 4: little bit dangerous, actually, but.
12:57
Speaker 2: I'm gonna be trying this stranger danger.
12:59
Speaker 4: Dangerous because I just I don't know if I'll ever
13:02
Speaker 4: be able to stop myself from doing this. So Hanna
13:05
Speaker 4: says she discovered this hacket UNI after a drunk hend out.
13:07
Speaker 4: If you go into Dominoes after nine PM or close
13:10
Speaker 4: to the closing time and ask if they have any leftovers,
13:13
Speaker 4: usually like garlic bread or orders people didn't pick up,
13:16
Speaker 4: they will usually give it to you for free. So
13:17
Speaker 4: she's done this about five times and it's worked every time.
13:20
Speaker 4: I'm like, what, who would have thought?
13:23
Speaker 2: I didn't think she did. What a genius.
13:26
Speaker 4: That is really clever and that, Like, you know, why
13:28
Speaker 4: wouldn't you? You know what I mean? Like if I
13:29
Speaker 4: was working in Dominoes, I was going to chuck some
13:31
Speaker 4: garlic bread out and someone.
13:32
Speaker 2: If I was working in Dominoes, I'd be trying to
13:34
Speaker 2: I'd be taking take that home.
13:36
Speaker 4: Oh yeah, you could do that. Actually I didn't think
13:38
Speaker 4: of it.
13:39
Speaker 2: Maybe they're over eating garlic bread every night, you'd be
13:42
Speaker 2: sick of it. Yeah, they're sharing. I like that. Dominoes
13:45
Speaker 2: is probably not going to be that happy with us
13:46
Speaker 2: sharing that. But you get what you get and you
13:48
Speaker 2: don't get upset.
13:49
Speaker 4: But fortune cookies, oh yes, okay, the money we well,
13:54
Speaker 4: did you like open a fortune cookie and it said
13:56
Speaker 4: you'd be real rich one day and then you won
13:58
Speaker 4: the lotto? Oh look you know how I have the
14:00
Speaker 4: lottery numbers at the back. Yeah yeah, yeah, No, I
14:03
Speaker 4: didn't win, but it was fun. It was fun, and
14:06
Speaker 4: I wasted a lot of money. But I think that
14:08
Speaker 4: I will win one day just based off those fortune
14:11
Speaker 4: cookie numbers. We'll say. I'll keep you guys posted. Okay,
14:13
Speaker 4: So no my fortune cookie broke tip is it's actually
14:17
Speaker 4: really cheap and kind of cute, if I do say
14:21
Speaker 4: so myself. Gift ideas one was a Valentine's Day but
14:24
Speaker 4: you can use it for whatever, whoever, whenever, and for
14:27
Speaker 4: any occasion. So basically all of the ingredients that you
14:30
Speaker 4: need are actually all pantry staples. So flour sugar, I can,
14:34
Speaker 4: and I can give you the actual recipe that I want.
14:36
Speaker 2: Special recipes fortune cookies, very authentic, I feel cue.
14:43
Speaker 4: So it was really just flour, sugar, egg, and a
14:46
Speaker 4: bit of vanilla extract and water as well, sorry, water
14:49
Speaker 4: as well, and then you get literally any kind of paper,
14:52
Speaker 4: any kind of pen whatever you can find around the house,
14:54
Speaker 4: just some sort of panel pencil and some sort of
14:56
Speaker 4: writing whatever you can find back of a receipt. I
14:59
Speaker 4: don't mind. So it is actually really easy and so quick.
15:02
Speaker 4: It took me like ten minutes. All the ingredients altogether
15:04
Speaker 4: cost me about fifteen dollars, and that was like literally
15:07
Speaker 4: starting from nothing. But I assume a lot of people
15:09
Speaker 4: already sugar all that kind of stuff in their pantry,
15:13
Speaker 4: so hopefully cost less than that. But for me, buying
15:17
Speaker 4: everything from scratch was like fifteen bucks. So and honestly,
15:21
Speaker 4: I think it's like the cutest gift.
15:22
Speaker 2: I think it's really wholesome and romantic.
15:25
Speaker 6: The way you can write whatever you want, like you
15:26
Speaker 6: had a little poem or a little saying or a little surprised.
15:30
Speaker 2: I love that she said she puts receipts. She's like
15:33
Speaker 2: on the back of a receipt. All right, So I'm
15:35
Speaker 2: going to make fortune cookies for you guys of the
15:38
Speaker 2: receipts of what I'm spending on you guys, and then
15:40
Speaker 2: I'm going to give you the fortune cookie.
15:42
Speaker 4: And yeah, use recycle totally. Yeah, it will be flower
15:46
Speaker 4: sugar egg on.
15:47
Speaker 2: The just so you know, this cost me fifteen dollars
15:51
Speaker 2: and that's really wholesome, way more romantic than both of
15:55
Speaker 2: our partners combined.
15:57
Speaker 4: Oh well, that's what you made, that's what you what
16:00
Speaker 4: you get, we get it.
16:02
Speaker 2: I'm sorry, I'm sorry. I love that.
16:06
Speaker 4: Thank you so much. Cookie cookies. I do recommend. It's
16:09
Speaker 4: very cute. It's actually not too hard. But you can
16:11
Speaker 4: find this all on YouTube. And also I'll give you,
16:13
Speaker 4: guys the actual recipe. We can put it on stories.
16:16
Speaker 4: We'll put it on Stories. I think that's really wholesome.
16:18
Speaker 4: That's my brick tip.
16:19
Speaker 2: Love it, but you have to wait an entire year
16:20
Speaker 2: to use it next Valentine's Day. So all right, let's
16:24
Speaker 2: go to a really quick break on the flip side.
16:26
Speaker 2: We're going to be talking about pet insurance, whether it's
16:29
Speaker 2: worth it, whether it's not. And we're also unpacking something
16:32
Speaker 2: you slid into our DMS, about which this week you
16:35
Speaker 2: ask if you should be moving in with your in
16:36
Speaker 2: laws to save some cash. So guys, don't go anywhere.
16:44
Speaker 6: Welcome back, everybody. Let's take a listen to this week's
16:47
Speaker 6: money dilemma.
16:50
Speaker 2: Hi, there, have you got a money dilemma you just
16:53
Speaker 2: can't solve. The ese on The Money Team is here
16:55
Speaker 2: to help. Every week, we tackle your dilemmas, both big
16:58
Speaker 2: and small, to answer your most burning money, career and
17:01
Speaker 2: life questions. To get involved, simply head to our website
17:04
Speaker 2: and leave us a short voice recording and you might
17:07
Speaker 2: just find yourself on the show. Now, let's take a
17:09
Speaker 2: listen to this week's money dilemma.
17:12
Speaker 5: Hi, Team, I need some help with pet insurance. I
17:17
Speaker 5: have a one year old sausage dog, and on top
17:21
Speaker 5: of desexing and the standard things you paid for like
17:25
Speaker 5: worming and stuff, he's had two instances we've had to
17:28
Speaker 5: take him to the vet urgently. The first time was
17:31
Speaker 5: cost four hundred dollars, the second time seven hundred dollars.
17:34
Speaker 5: Luckily we've had an emergency fund to cover this, so
17:37
Speaker 5: that was fine. But it's made me think, to any
17:39
Speaker 5: pensurance I'm all about. I know Victoria always says get
17:44
Speaker 5: insurance like that's really important, and I'm on board with
17:47
Speaker 5: every other insurance. But for some reason, I'm not convinced
17:51
Speaker 5: by pensurance. I think because it often says they don't
17:55
Speaker 5: cover everything. Please help.
17:57
Speaker 2: I think this is a really good question, and she's
18:00
Speaker 2: said that she has a little dashound. I'm obsessed with
18:03
Speaker 2: sausage dogs, like I literally follow on Instagram and TikTok
18:08
Speaker 2: you got a dashound? Great, I probably follow you. I
18:11
Speaker 2: just want to see their little noodly bodies doing noodlely
18:13
Speaker 2: things like oh, I actually lose my mind when I
18:16
Speaker 2: see them at the park. Like anyway, Thankfully, I've got
18:19
Speaker 2: a dog as well, so it just looks like my
18:21
Speaker 2: dog's interested in talking to your dog. It's not like
18:24
Speaker 2: I've primed her. I'm like, you see a dashound, you
18:26
Speaker 2: need to go down there and make friends with it
18:28
Speaker 2: so I can less awkward, right, thank you. But pet insurance,
18:33
Speaker 2: so it's one of those things where you could take
18:35
Speaker 2: it or you could leave it. It's completely up to
18:37
Speaker 2: you personally. We have it, but we have it for Lucy,
18:40
Speaker 2: but not for my cat. So Lucy is my dog,
18:43
Speaker 2: and the reason is because she's always out and about,
18:45
Speaker 2: like I feel like her risk level is much higher.
18:47
Speaker 2: Cats are arguably a bit more resistant. Mine a mixed breed,
18:50
Speaker 2: so they're not you know, these pure bred cats who
18:54
Speaker 2: are you know, predisposed to more genetic conditions same as Lucy,
18:58
Speaker 2: though she's a mix, so at the end of the day,
19:00
Speaker 2: she's less predisposed. But dashound is very predisposed to stuff
19:05
Speaker 2: like hip display show. Right, I'm not a vet, just
19:07
Speaker 2: know it exists because I've got a couple of friends
19:09
Speaker 2: who have them. In Australia, a dashound can cost up
19:12
Speaker 2: to six five hundred dollars in Australia to actually just
19:15
Speaker 2: purchase as the pet to begin with, which is a
19:19
Speaker 2: very substantial I would say initial investment in getting a
19:22
Speaker 2: pet like wild. Anyway, we're also not having a conversation
19:26
Speaker 2: about adopt, don't shop all of that right now. This
19:28
Speaker 2: is actually just about pet insurance, not about how you
19:30
Speaker 2: acquire it. I'm just giving you some financial information and
19:33
Speaker 2: then pet insurance every month. Because different breeds carry different
19:38
Speaker 2: levels of risk. So I've looked this up for you.
19:41
Speaker 2: Pet insurance can cost anywhere between fifty seven dollars and
19:44
Speaker 2: twenty three cents a month all the way up to
19:46
Speaker 2: two hundred and thirteen dollars and six cents a month. Wow,
19:50
Speaker 2: So that's a big difference. But the problem here, I
19:53
Speaker 2: think is yes, some things are going to be excluded,
19:57
Speaker 2: and they're going to be excluded because thatarticular breed is
20:01
Speaker 2: going to be more predisposed to having a particular issue,
20:04
Speaker 2: right like, And if the insurance company knows dashounds have
20:08
Speaker 2: really bad you know, history of hip displacier, they're going
20:11
Speaker 2: to go, well, i'll cover everything for you, but do
20:14
Speaker 2: we really need to cover the thing that's most likely
20:16
Speaker 2: to happen? And while that's not a good or a
20:18
Speaker 2: bad thing, it means you need to deep dive into
20:20
Speaker 2: your insurance. And I wouldn't just pick a policy online,
20:24
Speaker 2: so I would have a look online. We currently have
20:26
Speaker 2: our insurance through bow Wow Meo. I don't know if
20:29
Speaker 2: anyone cares, but that worked the best for us. Also,
20:32
Speaker 2: cute name. That's a very cute name, very cute name.
20:35
Speaker 2: But I would do some research. And what I did
20:37
Speaker 2: when I was getting it everything online looked great. But
20:40
Speaker 2: I called them as well and just you know, tick
20:42
Speaker 2: some boxes and said, what are the things that I'm
20:44
Speaker 2: definitely not going to get like with this type of dog, Like,
20:47
Speaker 2: what have you seen as being you know, the biggest issues?
20:49
Speaker 2: What do I need to foresee? So I think that's
20:53
Speaker 2: really important as well. But you've also disclosed to me
20:56
Speaker 2: that there have been some issues in your dog's life.
20:59
Speaker 2: That you've already had to pay for, so you might
21:02
Speaker 2: have to disclose those when applying for pet insurance and
21:05
Speaker 2: they might go, well, because your dog already has a
21:07
Speaker 2: broken X, we're not going to cover that X. It's
21:10
Speaker 2: the same as human insurance.
21:12
Speaker 1: Right.
21:12
Speaker 2: A couple of weeks ago, we're talking about you, Jessica,
21:14
Speaker 2: and how you have a not so great knee, and
21:17
Speaker 2: we know that when jess did her personal insurances, the
21:20
Speaker 2: insurer was like, great, Jess, I'd love to cover you
21:22
Speaker 2: for literally everything except your right knee. And jess was like, okay, fair,
21:27
Speaker 2: my right knee's pretty cooked and something's probably gonna happen
21:29
Speaker 2: to it. And I know that risk there, So does
21:31
Speaker 2: that make sense? So it's really up to you. I mean,
21:35
Speaker 2: if you're going to ensure a pet, I would be
21:38
Speaker 2: talking to the insurer about like, all right, well, puppy
21:40
Speaker 2: might be cheap, but like, how long can I ensure them?
21:43
Speaker 2: Some companies will only ensure a pet up until eight
21:46
Speaker 2: years old, some ten, some longer. You just need to
21:49
Speaker 2: know the semantics. Also, what are the increased insurance costs
21:53
Speaker 2: every year? Is that fifty seven? Because you've got a
21:55
Speaker 2: one year old and then the two hundred because you've
21:57
Speaker 2: got an eight year old, in which case had you've
22:00
Speaker 2: done a bit of a cost benefit analysis and worked
22:03
Speaker 2: out what that actually is going to look like over
22:05
Speaker 2: the lifetime of the pet. Because I have a lot
22:07
Speaker 2: of friends and we have a lot of community members
22:09
Speaker 2: who are like, do you know what, I'd prefer to
22:11
Speaker 2: put X amount into a savings account each and every
22:14
Speaker 2: single month and just forget about it and have a
22:17
Speaker 2: pet emergency fund and if it doesn't get used, money
22:20
Speaker 2: when I have more money on the side. So it's
22:22
Speaker 2: up to you guys. Do you guys have any pet advice?
22:25
Speaker 2: Not really.
22:26
Speaker 6: I think like, given you know that dashounds have those
22:29
Speaker 6: pre existing conditions, I think it's definitely worth looking into
22:31
Speaker 6: it because I think that from what I've heard, some
22:34
Speaker 6: of the surgeries that they might need can be in
22:37
Speaker 6: the thousands and thousands of dollars, And you don't want
22:39
Speaker 6: to find yourself if you can avoid it in a
22:41
Speaker 6: position where you're trying to decide, you know, is it
22:44
Speaker 6: quote unquote worth it to spend that money to save
22:47
Speaker 6: the pet or to improve their quality of life? Because
22:50
Speaker 6: I think that that's a really devastating choice.
22:52
Speaker 2: To have to make.
22:53
Speaker 6: So I think it's definitely well worth looking into, but
22:55
Speaker 6: it really depends on what kind of policy you can
22:57
Speaker 6: get and whether it will work out to be worth.
22:59
Speaker 2: It or yeah, I think it's genuinely worth you doing
23:02
Speaker 2: the research. I feel like sometimes we get questions from
23:05
Speaker 2: people being like, is it really worth it the and
23:07
Speaker 2: the reality is you need to do your own research
23:10
Speaker 2: to work out if it's worth it for you. Because
23:12
Speaker 2: for me, I look at it and go I don't
23:14
Speaker 2: think it's worth it for my cats personally, but I
23:17
Speaker 2: did think it was worth it for my dog, And
23:19
Speaker 2: at some point I might be like, this is getting
23:22
Speaker 2: astronomical in terms of costs. I'm just going to put
23:25
Speaker 2: some cash away and you know, cancel Lucy's insurance and
23:29
Speaker 2: we'll deal with it in cash when that happens. So
23:32
Speaker 2: I think it's really about working out your own financial
23:35
Speaker 2: situation and the risk because Jess, for you as well,
23:38
Speaker 2: you have to indoor cats the same as I do.
23:41
Speaker 2: I feel like, if a really big unexpected cost came up,
23:45
Speaker 2: I know that you're one in the financial position, you
23:47
Speaker 2: have an emergency fund, you could pay for it. I
23:49
Speaker 2: think you'd prefer that than to be losing one hundred
23:51
Speaker 2: and fifty bucks a month on insurance. Yeah, so like,
23:54
Speaker 2: I'm not saying that there's a right or wrong. It's
23:56
Speaker 2: all about like what you're comfortable with, because that might,
23:58
Speaker 2: you know, give you crippling anxiety at night because they're
24:01
Speaker 2: not insured. So it's it's completely up to you.
24:05
Speaker 4: I guess, like, I don't really I don't have pets
24:07
Speaker 4: at all. But my best friend just bought a little
24:09
Speaker 4: doggie which was really cute.
24:10
Speaker 2: Oh really, Oh my god, No, I did know that.
24:12
Speaker 2: I saw it on Instagram. Yes, so cut.
24:15
Speaker 4: She's very sweet, she's very very cute. But I guess,
24:17
Speaker 4: like I just have a story that's kind of maybe
24:20
Speaker 4: like fear mongering, but also I'm with u V that
24:23
Speaker 4: it does depend on your own personal situation. But a
24:25
Speaker 4: couple of friends of mine, one of them got a
24:27
Speaker 4: dog and one the other friend got the exact same breed.
24:31
Speaker 4: Maybe like a couple of weeks later. For the sake
24:33
Speaker 4: of this story, let's say Jen and Harry. So Jen
24:37
Speaker 4: was telling yeah, Jen and Harry. Jen was telling Harry
24:40
Speaker 4: to get pet insurance because her dog same breed broke
24:43
Speaker 4: her leg just like a couple of days prior. Harry said,
24:46
Speaker 4: I don't really need it. I don't think I'm gonna
24:48
Speaker 4: be getting it. That same day, Harry's dog broke her
24:52
Speaker 4: leg and Harry didn't have pet.
24:56
Speaker 2: Be out here fear mongering, don't you?
24:58
Speaker 4: I really do be but I gets chances it was
25:01
Speaker 4: actually it's actually.
25:02
Speaker 7: A great leg is not doctor, shouldn't just break legs
25:06
Speaker 7: if my parents' dog broke her leg? Like I feel
25:08
Speaker 7: like doing what she was jumping up onto the deck
25:12
Speaker 7: and ncapped herself.
25:13
Speaker 2: Oh yeah, sorry, sorry.
25:16
Speaker 4: Sorry that sounds so painful.
25:18
Speaker 2: Yeah, and then she kind of gaslit everybody and was
25:21
Speaker 2: hobbling around being like I'm fine, I'm fine.
25:23
Speaker 5: We took her to the.
25:23
Speaker 4: Not fine, I'm fine, fine baby. So I guess like
25:27
Speaker 4: all that to say, run the numbers and don't listen
25:30
Speaker 4: to this female green story. But because it might not
25:32
Speaker 4: happen to you ever.
25:33
Speaker 2: I'm glad it's on our podcast now.
25:35
Speaker 4: But New Fear Unlocked.
25:37
Speaker 2: Oh, you're welcome, You're welcome. This is what She's on
25:39
Speaker 2: the money exists for. She's on the money also kind
25:42
Speaker 2: of exists for drama as well, like just god, yeah,
25:45
Speaker 2: like we don't want to be the drama. We just
25:47
Speaker 2: want to watch your drama, which is why we do
25:49
Speaker 2: our money dilemma and in this week's money dilemma, are
25:52
Speaker 2: you ready for it? Yeah? All right, let's go. So
25:55
Speaker 2: we got a DM this week and it sounded a
25:57
Speaker 2: lot like this. Hi, ladies, I'm planning on moving in
26:00
Speaker 2: to my boyfriend's parents' house to save some money to
26:02
Speaker 2: purchase our own property. It's so kind of his parents
26:06
Speaker 2: to offer, and he thinks it's a great idea to
26:08
Speaker 2: save some cash. Whilst I understand the financial benefits of it,
26:12
Speaker 2: I'm not sure I want to share my space with
26:14
Speaker 2: my partner's parents, and worry it'll put a strain on
26:17
Speaker 2: all of our relationships. I'm not overly close with them,
26:21
Speaker 2: and I would feel uncomfortable in their space. I'm also
26:24
Speaker 2: a beautician who takes appointments from home, and his parents
26:27
Speaker 2: have said they don't feel comfortable with this, so I'll
26:30
Speaker 2: have to find a spot to rent to continue my work.
26:33
Speaker 2: Do I just suck it up and move in with them?
26:35
Speaker 2: Should I be prioritizing my future and financial goals even
26:38
Speaker 2: if it means I have to live in a not
26:40
Speaker 2: ideal situation for a while. Please send some help. And
26:45
Speaker 2: then she did the little melting emoji fas good emoji
26:49
Speaker 2: for that.
26:49
Speaker 4: Yeah, yeah, perfect, that's what I'm feeling.
26:51
Speaker 2: What'd you do back?
26:52
Speaker 4: This is a really tough one, but I think that, like,
26:55
Speaker 4: you know, but this is me, Like I'm historically and
26:59
Speaker 4: consistantly not great with money, and so I would absolutely
27:04
Speaker 4: prioritize my own happiness over hitting your financial goal sooner
27:08
Speaker 4: than anticipated. Although I guess it really does depend on
27:13
Speaker 4: your priorities and like if that's something that really keeps
27:15
Speaker 4: you up atn ID or that if that's something that
27:17
Speaker 4: you're really really wanting to work toward, or that's you know,
27:20
Speaker 4: if that's the top of your priority and you are
27:23
Speaker 4: willing to sacrifice your comfort and maybe like kind of
27:26
Speaker 4: happiness for a little while, then maybe, in her words,
27:30
Speaker 4: suck it up, not in my words, but yeah, I
27:33
Speaker 4: would always prioritize my own comfort and happiness, even if
27:38
Speaker 4: that means that my goals are further away from me,
27:41
Speaker 4: you know what I mean. But hey, that's just me,
27:44
Speaker 4: and I don't know if i'd listened to me, because
27:46
Speaker 4: I am always a little bit broke, so you'll.
27:50
Speaker 6: T I Actually I agree with you. We've answered a
27:53
Speaker 6: question very similar to this kind of recently, and I
27:56
Speaker 6: think my answer then was different because this person has
27:59
Speaker 6: the element of their home business, which our original question didn't.
28:04
Speaker 6: I think if it was just a matter of saving money,
28:07
Speaker 6: I kind of would go, yeah, suck it up for
28:09
Speaker 6: a little bit, make it work. But I think given
28:11
Speaker 6: that you're going to have to rent a space, moving
28:14
Speaker 6: in with his parents may not actually put you ahead
28:16
Speaker 6: financially all that significantly, depending on how much it costs
28:20
Speaker 6: to lease a space versus how much you're currently paying
28:23
Speaker 6: in rent. So I think there, I go, well, if
28:27
Speaker 6: you're saving is not as significant, and do you think
28:31
Speaker 6: you're going to be really unhappy? I personally probably would
28:34
Speaker 6: consider keeping your current arrangement, maybe looking to downsize the
28:38
Speaker 6: house that you're renting in if that's an option, or
28:40
Speaker 6: move to a different area that's a bit more affordable
28:43
Speaker 6: to kind of meet that break even point, because yeah,
28:47
Speaker 6: I think your happiness is very important, and given that
28:49
Speaker 6: you are still going to have to spend money on rent,
28:51
Speaker 6: which I assume would still be a pretty significant amount
28:54
Speaker 6: of money even if you're just renting like a chair
28:55
Speaker 6: in and an existing saloon or something, I don't know
28:58
Speaker 6: how much further ahead would put you. And then if
29:01
Speaker 6: you're worried about the friction on top of that, you know,
29:04
Speaker 6: I think happiness is something that is also important.
29:07
Speaker 2: I agree, I agree. I'm going to go full finance
29:10
Speaker 2: nerd on you. Have you done the maths? Have you
29:12
Speaker 2: worked it out? What's the financial benefit? Genuinely? What is
29:15
Speaker 2: the financial benefit? So if you've sat down and done
29:18
Speaker 2: your budget for this year and you know that rent
29:20
Speaker 2: is going to cost X and you know bill is
29:22
Speaker 2: going to cost why what is going to actually be
29:25
Speaker 2: saved if you move into this new situation which you're
29:28
Speaker 2: uncomfortable about it, But let's put that aside for a
29:30
Speaker 2: hot second and actually just focus on the mathematics of it,
29:33
Speaker 2: because that's what you're kind of weighing up anyway. What
29:37
Speaker 2: would it look like to move into you know, your
29:39
Speaker 2: mother in law's house? Like for me, I'd be like, yeah, slay,
29:42
Speaker 2: she's basically the female version of Steve and I love
29:44
Speaker 2: Steve Flack. I'd move in a heartbeat. What a win.
29:47
Speaker 2: But not everybody is like that, So work out the
29:50
Speaker 2: financial benefit. How much would it cost to actually, you know,
29:53
Speaker 2: you said you're a beautaition, how much would it cost
29:55
Speaker 2: to rent a chair?
29:57
Speaker 1: Like?
29:57
Speaker 2: I know that that's not putting you in the quote
29:59
Speaker 2: best possible position, but I'm going to make a grand
30:02
Speaker 2: assumption that renting a chair in a salon is much
30:04
Speaker 2: cheaper than renting a whole house. So you know, are
30:08
Speaker 2: you doing that five days a week? Maybe you're doing
30:10
Speaker 2: it two or three? Like, I don't know what that
30:11
Speaker 2: looks like. Do your maths, and then from there go well,
30:14
Speaker 2: what if we didn't change a thing, what is our
30:16
Speaker 2: trajectory to purchasing a home? Is it like five years away?
30:21
Speaker 2: What time actually gets cut when I move in? Okay,
30:25
Speaker 2: you might go, Jess, it means that you could save
30:27
Speaker 2: a whole house deposit in one year. Oh okay, that
30:31
Speaker 2: takes four years off the timeline. Now we're going to
30:33
Speaker 2: go back to our values. How much do you care
30:35
Speaker 2: about buying a house? Because Beck, if I ask you,
30:38
Speaker 2: you'd be like, I don't care. I want to be
30:40
Speaker 2: really comfy. Jess house obsessed. Wants to buy a house
30:44
Speaker 2: this year. We'll probably buy a house this year, and
30:46
Speaker 2: that's really exciting, but she's not willing to compromise her goal.
30:49
Speaker 2: So like, we need to then sit down with our
30:51
Speaker 2: partner and go, well, what do we actually want to
30:53
Speaker 2: do when it comes to saving for a house, because
30:56
Speaker 2: do you know what's much easier moving in with your
30:59
Speaker 2: family if you have a really clear end point. I
31:02
Speaker 2: know that if we move in in March, by December,
31:05
Speaker 2: we're actually going to be in position X, and by
31:07
Speaker 2: March next year we'll be able to buy. Maybe that
31:10
Speaker 2: will change you going you know what, I'm happy to
31:12
Speaker 2: rent a chair for twelve months because I'm going to
31:14
Speaker 2: be in the exact position that we have been manifesting,
31:17
Speaker 2: like we want this so bad. On the flip side,
31:20
Speaker 2: I'd be like, well, Jess, if you move in March
31:23
Speaker 2: next March, you can buy a house. And you go,
31:26
Speaker 2: oh my god, I can't believe that I would live
31:28
Speaker 2: with my in laws for twelve months. I just can't.
31:30
Speaker 2: We need to change that because to me, same as
31:32
Speaker 2: you Beck, life's about the journey. It's not about the destination.
31:36
Speaker 2: And if it takes you a little bit longer, where's
31:38
Speaker 2: the shame in something taking longer? Like you're putting these
31:43
Speaker 2: prerequisites onto yourself. Nobody else is saying, yes, you have
31:46
Speaker 2: to buy this year. The only person saying that is Jess,
31:49
Speaker 2: And I respect that because I know she's really clear
31:52
Speaker 2: on her values and her goals and what she wants
31:54
Speaker 2: to achieve. So I completely support it. But if she said, oh,
31:57
Speaker 2: I'm just going to take it slow for a couple
31:58
Speaker 2: of years, it's not that important. It's definitely a big
32:01
Speaker 2: thing I want to achieve, but like you know, it
32:03
Speaker 2: doesn't have to happen really quickly. I'd be like, all right, well,
32:06
Speaker 2: these things make sense to different people, and the outcome
32:09
Speaker 2: is going to be very different for Jess as it
32:11
Speaker 2: is for Beck, and it will be for whoever's written in.
32:15
Speaker 2: So I think you really need to actually sit down,
32:17
Speaker 2: do the maths, do the numbers, and then stand back
32:19
Speaker 2: and be like, well, that's the position it would be
32:22
Speaker 2: putting me in. Am I willing to make the compromise
32:25
Speaker 2: of being a little bit uncomfortable because sometimes you might go, yeah,
32:28
Speaker 2: that's pretty sick, Like I'm so far ahead. I'm willing
32:31
Speaker 2: to do that. You might actually build into that a
32:34
Speaker 2: little bit of fun money so that you go to
32:35
Speaker 2: your partner, look, I'll move in. I feel a bit
32:38
Speaker 2: uncomfortable about it because I don't want to always be in
32:39
Speaker 2: their space, but I am going to, you know, keep
32:42
Speaker 2: my gym membership because I want to get out of
32:45
Speaker 2: the house. A bit more. Also, can we have like
32:47
Speaker 2: a monthly date night so that you know we're getting
32:50
Speaker 2: out of the house, we're having a meal on our own.
32:51
Speaker 2: I don't feel like we're always under their toes, Like
32:54
Speaker 2: what's going to make you feel comfortable about that situation?
32:56
Speaker 2: And if you brainstorm that together and then realize it's
32:59
Speaker 2: just exist in that space, maybe reevaluate and we just
33:02
Speaker 2: changed the timeframes. Goal setting is beautiful because you don't
33:06
Speaker 2: have to have everything set in stone.
33:09
Speaker 6: What did everybody else say?
33:10
Speaker 2: So we asked you guys a few questions. First, we said,
33:13
Speaker 2: have you ever moved back in with your parents? Fifty
33:16
Speaker 2: five percent of you said yes, it's a lot of people.
33:18
Speaker 2: That's a lot of people. Have you, guys, ever moved
33:20
Speaker 2: back in with your parents? No? No, neither. All right,
33:23
Speaker 2: Well that was good. Out said if you said if
33:27
Speaker 2: you said yes, did it help you get ahead financially?
33:30
Speaker 2: Seventy four percent of you said yes, saved so much
33:33
Speaker 2: money and twenty six percent said not really, as I
33:35
Speaker 2: was also paying them rent and bills.
33:38
Speaker 6: I'm surprised that it's only seventy percent, Like I would
33:40
Speaker 6: have thought that the majority of people would move home
33:43
Speaker 6: to save money.
33:44
Speaker 2: Same. We then asked you, guys, if yes, how did
33:46
Speaker 2: living with your parents go? Fifty two percent of you
33:50
Speaker 2: said it was fine. I actually enjoyed it. Forty eight
33:52
Speaker 2: percent of you said terrible. Never again. We then said,
33:56
Speaker 2: have you been in a similar situation? Tell us. A
33:59
Speaker 2: lot of people said, I actually still live with my parents.
34:01
Speaker 2: I'm in my thirties. The key is open communication and
34:04
Speaker 2: being treated like an adult. I feel like that's a
34:08
Speaker 2: really important part. I hear too many stories where people
34:11
Speaker 2: move back in with their parents and their parents default
34:13
Speaker 2: to treating them like the child that they were when
34:15
Speaker 2: they were twelve. Next is, you may be saving money,
34:19
Speaker 2: but you pay with your mental health.
34:21
Speaker 4: Fair fair, point sure fair.
34:25
Speaker 2: Someone said I'd either suck it up or suggest that
34:27
Speaker 2: we move in with my parents. Obviously a good suggestion
34:31
Speaker 2: if it's available to you, but maybe they're not in
34:34
Speaker 2: the circumstance where they can take you on. Someone said
34:37
Speaker 2: I would just want to know if the savings actually
34:39
Speaker 2: outweighs the cost of a beauty space, which is exactly
34:41
Speaker 2: what I said. Yes, someone said, you need to really
34:44
Speaker 2: see it as an opportunity rather than a burden. What
34:47
Speaker 2: a good time to get to know them? And establish
34:49
Speaker 2: a great relationship. That's cute that you could be really bonding.
34:53
Speaker 2: That reframe is really nice. I know you don't know
34:56
Speaker 2: them well, but maybe it's an opportunity to get to
34:59
Speaker 2: know them well.
34:59
Speaker 4: Yeah, that's so true.
35:01
Speaker 2: Someone said, set yourselves a time frame for how long
35:04
Speaker 2: you're actually going to live there, and try to stick
35:06
Speaker 2: to it, and then make sure that you're reassessing every
35:09
Speaker 2: six months. Someone said, one thing is your parents, another
35:13
Speaker 2: thing is your in laws. Yeah, your relationship.
35:18
Speaker 6: I guess some people love their in laws and some people.
35:20
Speaker 2: Can't stand them. Yeah, exactly so, and that's fine and
35:23
Speaker 2: that's fair to take into consideration. Someone said, we did it.
35:27
Speaker 2: We knew our timeline was really firm, we wanted to
35:29
Speaker 2: spend three months with them, and clarified our financial expectations beforehand.
35:34
Speaker 2: It worked perfectly. How good's that? Someone said, I'd use
35:39
Speaker 2: the beautician workspace rental issue as leverage to not have
35:42
Speaker 2: to do this. Someone said, my own parents versus in
35:46
Speaker 2: laws can be totally different when it comes to dynamic.
35:49
Speaker 2: Same for moving as a couple versus if you were
35:52
Speaker 2: moving home as a singleton. Which is so true, right, Like,
35:56
Speaker 2: I feel like it'd be so easy to move back
35:57
Speaker 2: in with my parents. If it was just me managing
36:00
Speaker 2: a relationship and my parents and trying to keep everybody happy,
36:04
Speaker 2: I don't know if that would be the same. Yeah,
36:06
Speaker 2: so lots of people have said lots of different things.
36:09
Speaker 2: Some people have said, yes, it's the best thing ever,
36:11
Speaker 2: But then I have a comment in front of me
36:12
Speaker 2: that says, don't do it for the sake of your
36:14
Speaker 2: relationship and your sanity. So I honestly think this is
36:18
Speaker 2: so much more about what's going to work for you,
36:20
Speaker 2: Like what does your journey look like? What are you
36:23
Speaker 2: willing to compromise, Because a lot of us are willing
36:25
Speaker 2: to compromise a little bit, A lot of us are
36:28
Speaker 2: willing to compromise a lot. But it's not the same
36:30
Speaker 2: for everybody, agreed. But I think that's all we've got,
36:34
Speaker 2: my friends. I think we're wrapping for the week. I
36:36
Speaker 2: feel like you and I Jess need to go talk
36:38
Speaker 2: more about Taylor Swift, try to find out costumes, talk
36:41
Speaker 2: about bracelets, like we've just got a heap to do. Beck,
36:44
Speaker 2: I mean, you can go back to work, but Jess
36:46
Speaker 2: and I are working from home.
36:49
Speaker 4: Of course, I might respectfully bow out of that conversation.
36:52
Speaker 2: Hey, sorry, sorry, you're too cool. Sorry we will tell
36:56
Speaker 2: you all about it next week.
36:57
Speaker 4: Oh my goodness, I can't wait.
36:59
Speaker 2: See and Swifty's bye. Hy. The advice shared on She's
37:10
Speaker 2: on the Money is general in nature and does not
37:12
Speaker 2: consider your individual circumstances. She's on the Money exists purely
37:16
Speaker 2: for educational purposes and should not be relied upon to
37:19
Speaker 2: make an investment or financial decision. If you do choose
37:23
Speaker 2: to buy a financial product, read the PDS TMD and
37:26
Speaker 2: obtain appropriate financial advice tailored towards your needs. Victoria Divine
37:30
Speaker 2: and She's on the Money are authorized representatives of Money.
37:34
Speaker 2: Sheper Pty Ltd ABN three two one IS six four
37:38
Speaker 2: nine two seven seven zero eight AFSL four five one
37:42
Speaker 2: two eight nine