Latest / She's On The Money / It Pays Well But It’s Sucking The Life From Me

Transcript

It Pays Well But It’s Sucking The Life From Me · She's On The Money

• 0:00
  Speaker 1: My name's Tatasha Bamblet. I'm a proud First Nations woman
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  Speaker 1: and I'm here to acknowledge country. Te Glenn Young Ganya,
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  Speaker 1: Niana Kaka yah y and Binahwaka nian Arka In Mbini,
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  Speaker 1: yak um Jar, Doumayagumika Umaga, Ihowaka, Nile, Waman damon Immalan, Bumba,
• 0:16
  Speaker 1: bang Gada, boma in and now in Waka Ghana and
• 0:19
  Speaker 1: yak rum Jar Watanadana. Hello, beautiful friends, we gather on
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  Speaker 1: the lands of the Aboriginal people. We thank acknowledge and
• 0:27
  Speaker 1: respect the Aberiginal people's land that we're gathering on today.
• 0:30
  Speaker 1: Take pleasure in all the land and respect all that
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  Speaker 1: you see. She's on the Money podcast acknowledges culture, country,
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  Speaker 1: community and connections, bringing you the tools, knowledge and resources
• 0:43
  Speaker 1: for you to thrive.
• 0:44
  Speaker 2: She's on the Money.
• 0:46
  Speaker 3: She's on the Money. Hello, friends, and welcome to She's
• 0:51
  Speaker 3: on the Money, the podcast that makes personal finance is fun,
• 0:54
  Speaker 3: especially on a Friday. You, my friend, are here just
• 0:57
  Speaker 3: in time for Friday drinks, that time of the week
• 1:00
  Speaker 3: where we get together to celebrate our She's on the
• 1:02
  Speaker 3: Money Community. I'm Victoria Devine and joining me today is
• 1:05
  Speaker 3: none other than beksay Ed, who is coming in hot
• 1:08
  Speaker 3: with the broke tips, and Miss Jessica Ricci, who is
• 1:12
  Speaker 3: as always here with this week's money wins, and my friends.
• 1:16
  Speaker 3: As always, we are going to be answering your money
• 1:18
  Speaker 3: dilemmas and your dms, and this week's picks are all
• 1:21
  Speaker 3: about investment, specifically whether you should continue investing time at
• 1:27
  Speaker 3: a job that you literally hate for long term financial
• 1:29
  Speaker 3: gains and where to invest when you've inherited a hefty portfolio. Oh,
• 1:36
  Speaker 3: I think will be very interesting if you have an
• 1:39
  Speaker 3: intriguing money dilemma, we would always love to hear it.
• 1:42
  Speaker 3: We just want the tea like, ask me, what are
• 1:45
  Speaker 3: you going to do about your boyfriend who's cheating on
• 1:47
  Speaker 3: you but you have a house together. I want to
• 1:49
  Speaker 3: know you know. I want the juicy goss, like, if
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  Speaker 3: you've got anything that's related to money, I'll take it.
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  Speaker 3: If you've got any other goss, I will also take it.
• 1:57
  Speaker 3: So please head on over to the podcast page on
• 1:59
  Speaker 3: She's on the Money and leave us a message. We
• 2:01
  Speaker 3: listen to every single one of them, and some of
• 2:03
  Speaker 3: them end up right here on the podcast. Now, it's
• 2:07
  Speaker 3: been a while, so you're gonna have to remind me.
• 2:09
  Speaker 3: Could it be I don't know time for a five
• 2:11
  Speaker 3: star review? It's exactly time for five star review. Cop
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  Speaker 3: Oh my god, I just checked my watch. That's crazy,
• 2:16
  Speaker 3: of course, the time where we bask in the glory
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  Speaker 3: of ourselves and the most flattering comments that our community
• 2:21
  Speaker 3: provide us. Oh my god, I'm so excited. And look,
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  Speaker 3: we love to chat, but hearing all of you and
• 2:25
  Speaker 3: what you think of the show and what we've covered
• 2:27
  Speaker 3: is it just doesn't get old. I'm not gonna lie.
• 2:30
  Speaker 3: So if you've been umming and a ring about leaving
• 2:33
  Speaker 3: a review, my friend, this is your sign. I'm all
• 2:37
  Speaker 3: about signed. So this is your sign. You can share
• 2:39
  Speaker 3: them with us on Apple, podcasts, on Spotify, on socials,
• 2:42
  Speaker 3: on dms. We are really not very picky. All we
• 2:45
  Speaker 3: want to do is bask in the glory of your
• 2:48
  Speaker 3: most flattering comments. So this one it comes from Lichelle,
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  Speaker 3: and you know what she says, six star review. Okay,
• 2:56
  Speaker 3: pop off, Queen. That is a great start, she says,
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  Speaker 3: She's on the money. Has genuinely changed my life. I'm
• 3:02
  Speaker 3: only twenty two, but I've been binging the podcast since
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  Speaker 3: I started listing at the start of twenty twenty five.
• 3:08
  Speaker 3: I used to think my money habits were in A
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  Speaker 3: plus and then I realized that maybe they're more of
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  Speaker 3: a B mins And now I reckon I've brought it
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  Speaker 3: back up to a B plus. Oh, I'm determined to
• 3:19
  Speaker 3: get my A status back. She's on the money has
• 3:22
  Speaker 3: accompanied me basically everywhere I drive. They are my friends
• 3:25
  Speaker 3: and they are my mentors. I've started investing with Chais's
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  Speaker 3: in October and I'm almost at my three thousand dollar milestone.
• 3:33
  Speaker 3: Sometimes when I'm scared I'm not doing enough for I'm
• 3:36
  Speaker 3: doing the wrong things, I remind myself that I've started
• 3:38
  Speaker 3: earlier than if I let analysis paralysis get in my way,
• 3:41
  Speaker 3: and that I am building up my future regardless. I
• 3:45
  Speaker 3: know future me is going to thank me. I want
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  Speaker 3: to thank you all as well. I wouldn't have done
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  Speaker 3: any of this without you. And then she did three
• 3:53
  Speaker 3: of those love hearts that we used to do on
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  Speaker 3: MSN back in the day, with the like greater than
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  Speaker 3: sign and the number three queen. Yeah, my goodness, that's amazing.
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  Speaker 3: You have a very bright financial future. Absolutely, I wish
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  Speaker 3: I was like that. I know we are so proud
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  Speaker 3: of you. And you are well on your way, my queen,
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  Speaker 3: and congrats on beating analysis paralysis because we don't know
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  Speaker 3: her here noa yeah, big snaps. Now, my friends, I
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  Speaker 3: have been away for a little while. It's just been
• 4:20
  Speaker 3: the two of you, but I am back. But I
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  Speaker 3: want to be in the No. What have our community
• 4:24
  Speaker 3: been asking about?
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  Speaker 4: My favorite one was we were asked if the top
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  Speaker 4: or the bottom of the pizza was the cruss part?
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  Speaker 4: What so if you were going to take a bike,
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  Speaker 4: if I said take a bike from the top of
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  Speaker 4: the piece of pizza, will you take a bike from
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  Speaker 4: the crust or from the point of it?
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  Speaker 3: Yes, the top of the what? Which? Where do we
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  Speaker 3: land on this? We agree? We read the crust was
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  Speaker 3: the top, the crust is the handle?
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  Speaker 4: Yeah, well, and the handles are the top. I'm sure
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  Speaker 4: we had this conversation. Do you know what?
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  Speaker 3: No, I can't remember. We landed on flip it around? Yeah, crust,
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  Speaker 3: I don't know crust, you know what I reckon. The
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  Speaker 3: way I'm solving this is, if you were to be
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  Speaker 3: given a piece of paper and you were to draw
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  Speaker 3: a piece of pizza, would the crusty at the top
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  Speaker 3: or would you draw the crust to the bottom at
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  Speaker 3: the top. Ye okay, it's the top, yeah, okay, questionably.
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  Speaker 3: And then you hold up the paper and the piece
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  Speaker 3: of like the crust is drawn at the top, it's
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  Speaker 3: the top.
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  Speaker 4: Like if I said to hold a piece of pizza
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  Speaker 4: by the like, you're not picking it up by the tip.
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  Speaker 3: Top. But you don't pick everything up by the top.
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  Speaker 3: Like if you were to pick up a lamp, would
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  Speaker 3: you pick it up by the top of the lamp? No,
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  Speaker 3: you'd pick up the bottom. I see the logic, but
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  Speaker 3: I'm staunch in my belief. Yeah, the top. Well, you
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  Speaker 3: know what, I'm not going to ask about the other
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  Speaker 3: questions because I feel like we would talk about them
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  Speaker 3: for the rest of the episode. And I'm sad I
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  Speaker 3: missed those kind of but hopefully this week's question will
• 5:43
  Speaker 3: make up the fact that I missed a few. This
• 5:46
  Speaker 3: one comes from Arnie, who asks the Suddenly thirty movie
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  Speaker 3: reboot is officially in development. What would your thirteen year
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  Speaker 3: old self expect to see if she woke up as
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  Speaker 3: you today? This is a bad time, say I haven't
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  Speaker 3: seen Suddenly. It's when a thirteen year old get this,
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  Speaker 3: wakes up and just suddenly thirty, got it. Yeah, so
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  Speaker 3: you were thirteen and then you blinked and woke up
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  Speaker 3: as Jessie today. I'm pretty sure.
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  Speaker 4: At the time, I was like, by thirty, I'll have
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  Speaker 4: a big house and a husband and two kids, because like,
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  Speaker 4: obviously I'm gonna have my first kid at like twenty four,
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  Speaker 4: and then if I have my next kid by like
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  Speaker 4: twenty six and by thirty, yeah, wow, crazy logic, I know.
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  Speaker 4: And my logic was this, keep those children away from me,
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  Speaker 4: like I love them, I love the children. Give me
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  Speaker 4: the children as long as she.
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  Speaker 3: Wants my kid, but she wants to give it back. Yes,
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  Speaker 3: oh my god, I did. And she's an angel with
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  Speaker 3: my children. But she's just a lot of kids. Yeah,
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  Speaker 3: I will not be spawning after me. No, no, absolutely,
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  Speaker 3: are you happy about that? I don't feel any type
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  Speaker 3: of way about like I think.
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  Speaker 4: I just I had a very idealized version of what
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  Speaker 4: being an adult was and like how expensive it was
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  Speaker 4: to be an adult and how much responsibility you have
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  Speaker 4: it here mean, I was like, when I'm an adult,
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  Speaker 4: I'm going to drive my own car and we're really cool.
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  Speaker 3: Yes, and nobody's going to tell me what to do.
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  Speaker 3: And now I'm like, now you have adult money and
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  Speaker 3: you've got to spend it like an adult. Like that
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  Speaker 3: is not the concept of adult money.
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  Speaker 1: Yeah.
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  Speaker 3: I don't know where my wife's got crossed, but this
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  Speaker 3: is not what I signed up for. Confused adult money
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  Speaker 3: with free will? Yeah, yeah, and those two things were different.
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  Speaker 3: We were going to be eating fruit loops for breakfast
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  Speaker 3: every day.
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  Speaker 4: Literally. I was like, I'm going to live off McDonald
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  Speaker 4: It's like, yeah, my mom's not going to tell me
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  Speaker 4: what to do when I grow up, and now I
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  Speaker 4: call him like, Mom.
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  Speaker 3: What do I do? Help? Yeah, it's all so funny.
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  Speaker 5: Like I feel like if we were told our whole
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  Speaker 5: lives that we have to or we should be owning
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  Speaker 5: a horse by the time we're fifty, then we will
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  Speaker 5: be like, oh, by this stage, I thought own a horse.
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  Speaker 3: It's like you're just like doing what you want to
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  Speaker 3: do at all times, and I think it's amazing. Also,
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  Speaker 3: that's so Australian, like not a horse. We are in kangaroos. Obviously, No,
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  Speaker 3: we want to own property because it's great Australian dream.
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  Speaker 3: But if you went overseas would be like, what's your plan?
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  Speaker 3: Not many other countries would be like, oh, well, I'll
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  Speaker 3: own a home, like it's just not part of the
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  Speaker 3: kids a family. They'd probably be like, oh, I'd rant
• 8:09
  Speaker 3: in a beautiful location. Like we've just been fed this narrative,
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  Speaker 3: and that narrative somehow becomes our expectations. I know, I
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  Speaker 3: have a very different answer. I didn't even clock that,
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  Speaker 3: or I just I knew that.
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  Speaker 5: Like if I was thirteen one second ago and just
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  Speaker 5: woke up now, I would be stoked as hell to
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  Speaker 5: be like, first of all, I'm on this.
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  Speaker 3: Podcast with you guys. Also you're really hot.
• 8:31
  Speaker 5: Not to big note myself, but I remember like really
• 8:33
  Speaker 5: not liking the way my lips were when I smiled
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  Speaker 5: back when I was like when I was like a teenager,
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  Speaker 5: and I like would love to know that it evened
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  Speaker 5: itself out, like you know, like it really pointed down.
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  Speaker 3: I don't know how to explain it, but I don't
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  Speaker 3: know how to explain it, but you've got phenomenal lips.
• 8:46
  Speaker 3: Oh thank you. I would just be stoked as hell.
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  Speaker 5: And I really wanted that life of like not sitcom,
• 8:53
  Speaker 5: but like where like you know, friends are everywhere and
• 8:56
  Speaker 5: like I don't know, I just like I would.
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  Speaker 3: Be stoked basically as my you know what you do
• 9:00
  Speaker 3: like as much as you're like, oh I wish I
• 9:02
  Speaker 3: was better at this or that, Like you have such
• 9:04
  Speaker 3: a wholesome life of like all your friends like and
• 9:06
  Speaker 3: you prioritize them and like you just live life doing
• 9:10
  Speaker 3: the things that make you happy. Thank you. She'd be proud.
• 9:13
  Speaker 3: I think she'd be pretty happy, Like, Okay, what about you?
• 9:17
  Speaker 3: Why not a doctor? Thirteen year old me would be
• 9:21
  Speaker 3: like we did what?
• 9:24
  Speaker 6: Why?
• 9:25
  Speaker 3: Like public speaking at thirteen terrifying. I know that I've
• 9:28
  Speaker 3: said on the podcast before that I used to be
• 9:31
  Speaker 3: like the debating team captain, like girl stuff. I did
• 9:35
  Speaker 3: that because I was so nervous to speak in front
• 9:37
  Speaker 3: of groups. And my dad when he was growing up,
• 9:41
  Speaker 3: he actually had a stutter. And one of the things
• 9:43
  Speaker 3: he did to help that he did like toastmasters and
• 9:46
  Speaker 3: public speaking and stuff. So he always was like Victoria, like,
• 9:49
  Speaker 3: to get some more confidence, you should go and do like,
• 9:51
  Speaker 3: you know, put yourself out of your comfort zone. Debating
• 9:54
  Speaker 3: would be a really good way of doing that. You know,
• 9:55
  Speaker 3: the public speaking like group at all, the club at school,
• 9:59
  Speaker 3: that would be a really good thing for you. And
• 10:00
  Speaker 3: so I always kind of like followed that, but not
• 10:02
  Speaker 3: because I enjoyed it, but because I thought I had
• 10:05
  Speaker 3: to because like, you know, that was good for my development.
• 10:09
  Speaker 3: What do you mean it's my career, dad, What have
• 10:12
  Speaker 3: you done? You a whole new path? Yeah, and I
• 10:15
  Speaker 3: agree with you, Jess. I think I had this very
• 10:17
  Speaker 3: stereotypical idea that i'd wake up, like I think I'd
• 10:19
  Speaker 3: be confused about why I have babies right now, Like
• 10:22
  Speaker 3: not because I didn't want kids, but why are they're
• 10:25
  Speaker 3: not in school? Yeah, Like in my head, I was
• 10:27
  Speaker 3: meant to have kids when I was like much younger.
• 10:30
  Speaker 3: So like if I woke up, you know, in suddenly
• 10:33
  Speaker 3: thirty and I was today years old, which is nearly
• 10:36
  Speaker 3: thirty five aged exactly. She told me, I think we
• 10:47
  Speaker 3: were on a zoom and we were crazy about you know,
• 10:50
  Speaker 3: I'm going to throw Kiara under the bus to the
• 10:52
  Speaker 3: community that loves her, because Kiara is our community manager
• 10:55
  Speaker 3: and she is an angel, Like she reads every single
• 10:58
  Speaker 3: DM and makes that you get the resource that you
• 11:01
  Speaker 3: need right, Like she spent so long even in our
• 11:04
  Speaker 3: group chats on she's on the money being like, oh hey,
• 11:07
  Speaker 3: I just got this damn from someone and like I've
• 11:08
  Speaker 3: sent them this and this, but like, what else could
• 11:11
  Speaker 3: I provide them with? She's an icon. She cares about
• 11:14
  Speaker 3: us so much, and then she did us dirty, so dirty.
• 11:17
  Speaker 3: She's like, oh yeah, like the demographics of she's on
• 11:20
  Speaker 3: the money. Oh between I think it was like we
• 11:22
  Speaker 3: were talking about the demographic of between the ages of
• 11:25
  Speaker 3: twenty five and thirty five. She's like, yeah, like thirty
• 11:28
  Speaker 3: five middle aged and I was like, excu wooose me.
• 11:32
  Speaker 3: You're gonna go jump in front of a car. It
• 11:35
  Speaker 3: was like, and did you see the way I jumped down?
• 11:37
  Speaker 3: I was like, care, take that back. The girl doubled down.
• 11:41
  Speaker 3: She was like, no, no year old?
• 11:43
  Speaker 4: Oh god.
• 11:44
  Speaker 3: And you know what she said to me the other day.
• 11:46
  Speaker 3: She goes, hey, Victoria, she was feeling in a form
• 11:48
  Speaker 3: for me and needed my driver's license and like my age,
• 11:52
  Speaker 3: and she goes, did you know you're like a full
• 11:55
  Speaker 3: decade older than me? And I was like, oh, why
• 11:58
  Speaker 3: are you pointing this out? And she goes, because it's
• 12:01
  Speaker 3: really funny. In ten years, Kia is going to be like, Wow,
• 12:05
  Speaker 3: this is not middle aged. I can't wait to come
• 12:07
  Speaker 3: for you Kiara in ten years and be like, how's
• 12:09
  Speaker 3: being middle aged feel?
• 12:11
  Speaker 2: Yeah?
• 12:12
  Speaker 3: Except from my deathbat. Anyway, I think thirteen year old
• 12:15
  Speaker 3: me would be confused, but I also think she'd be
• 12:17
  Speaker 3: insanely proud, Like how cool would it be? Like you
• 12:21
  Speaker 3: just explained how proud thirteen year old you would be.
• 12:24
  Speaker 3: If we could go back and be like, hey, thirteen
• 12:26
  Speaker 3: year old me, stop being so self conscious, Like every
• 12:29
  Speaker 3: thirteen year old is deeply self conscious, and I don't know,
• 12:34
  Speaker 3: go back and like pat baby jess and be like
• 12:36
  Speaker 3: it's going to be all good. Yeah, maybe true, you're
• 12:38
  Speaker 3: like really sick once you get to thirty. Yeah, you're
• 12:41
  Speaker 3: actually like real cool.
• 12:43
  Speaker 4: Yeah.
• 12:44
  Speaker 3: Some dudes stopped you in the supermarket the other day
• 12:46
  Speaker 3: and said, are you Jessica from She's on the Money? Incredible?
• 12:50
  Speaker 3: All right, Well, I think that was a little bit
• 12:52
  Speaker 3: of a throwback. If you guys have a question for us,
• 12:54
  Speaker 3: please send it through. And it definitely doesn't have to
• 12:57
  Speaker 3: be finance related either, as you've just heard. It literally
• 13:00
  Speaker 3: be about one of your favorite rom com movies and franchises.
• 13:03
  Speaker 3: We don't care. We're taking all questions now, Miss Jessicgriuchi.
• 13:08
  Speaker 3: How are they Has the community had any spectacular money
• 13:11
  Speaker 3: wins this week?
• 13:12
  Speaker 4: Oh?
• 13:12
  Speaker 3: They always do.
• 13:13
  Speaker 4: Firstly, this week Kayla said, I've secured a permanent role
• 13:15
  Speaker 4: within the team. I've been working for the last two
• 13:18
  Speaker 4: years on a casual fixed CHAM contract, so I now
• 13:20
  Speaker 4: get extra super and great leave benefits money weird.
• 13:25
  Speaker 3: Steph said she just brought.
• 13:26
  Speaker 4: Her first home congratulations, and she found six pavers at
• 13:30
  Speaker 4: I'm pretty sure that the Bunning's handwriting.
• 13:32
  Speaker 3: She said.
• 13:33
  Speaker 4: They're perfect for stepping zones.
• 13:34
  Speaker 3: The Bunnings handwriting, Jess really do be thirty Literally, giant
• 13:40
  Speaker 3: pavers do go in your ground? Oh yeah, that is
• 13:42
  Speaker 3: the Bunnings handwriting. Hell yeah, that is fifty cents a paver.
• 13:46
  Speaker 4: So she paid a grand total of three dollars to
• 13:48
  Speaker 4: pay her path in her front hour.
• 13:49
  Speaker 3: That's really cute. How it is that money win?
• 13:53
  Speaker 4: Jackie said she went to see a new horror movie
• 13:55
  Speaker 4: called Obsession for a dollar thanks to muber one.
• 13:58
  Speaker 3: Really want to see that? Oh see a dollar to
• 14:00
  Speaker 3: not go?
• 14:01
  Speaker 4: Literally? I don't say me up. Really, I have not
• 14:03
  Speaker 4: watched a horror movie since I was in high school.
• 14:05
  Speaker 3: But it's like eerie.
• 14:07
  Speaker 4: Nah, that's worse.
• 14:08
  Speaker 3: I don't want to be scared at all. I'm the
• 14:09
  Speaker 3: same as Jes. So do you not like watching movies
• 14:11
  Speaker 3: that carry suspense, which is okay, kind of funny because
• 14:14
  Speaker 3: I love true crime, but like, I know that that
• 14:17
  Speaker 3: crime has already happened and done and passed, and we're
• 14:20
  Speaker 3: just talking about something that happened. You're not like trying
• 14:22
  Speaker 3: to make me suspenseful the second you put me in
• 14:24
  Speaker 3: a situation of suspense, Like, I'm still traumatized from the
• 14:27
  Speaker 3: time and don't ask how this happened. I used to
• 14:31
  Speaker 3: have a friend. Her name was Emily, and she loved horror.
• 14:34
  Speaker 3: I knew that about her. And she was like, do
• 14:36
  Speaker 3: you want to go to the movies one day? And
• 14:37
  Speaker 3: I was like, would love to go to the movies.
• 14:39
  Speaker 3: That would be fantastic, And she's like, I want to
• 14:42
  Speaker 3: see The Conjuring. Oh no, And I was like, great,
• 14:47
  Speaker 3: sounds good. At that point in time, I didn't know
• 14:50
  Speaker 3: what conjuring was as a word. I didn't know that
• 14:53
  Speaker 3: that was a very very bad horror movie, very scary.
• 14:57
  Speaker 3: I get to the cinemas, I'm excited. I've got my
• 14:59
  Speaker 3: pop and I've put my mald teesers in the popcorn.
• 15:02
  Speaker 3: I was there to have a good time. I'm still traumatized.
• 15:05
  Speaker 4: Yeah, to this day, I won't be doing that, But
• 15:07
  Speaker 4: I wonder the movie ticket sounds very good. Thank you
• 15:09
  Speaker 4: for the heads up, Jackie. Then Kylie said, I got
• 15:12
  Speaker 4: an email that said I overpaid my loan and they're
• 15:14
  Speaker 4: refunding me a grand total of sixteen cents.
• 15:17
  Speaker 3: You know what, I'll take it. Oh, it need a win.
• 15:19
  Speaker 3: So what I'm hearing is the loan's paid off. Queen, Yes,
• 15:22
  Speaker 3: snaps for you.
• 15:24
  Speaker 4: Shelby said, my friend from work is we a kitchen
• 15:27
  Speaker 4: renovation and she's giving me all of the stuff from
• 15:29
  Speaker 4: her kitchen so that she can buy new stuff. So
• 15:31
  Speaker 4: she's gotten quite a lot of kitchen set up out
• 15:34
  Speaker 4: of it, and she was looking at buying it. Anyway's money,
• 15:37
  Speaker 4: we genuine money, we really good money in And then
• 15:39
  Speaker 4: lastly this week, Jasmine said she went mini golfing and
• 15:42
  Speaker 4: saw online that there was a family entry price. When
• 15:45
  Speaker 4: they arrived, they tried to charge her family individual ticket prices,
• 15:49
  Speaker 4: so she asked about the family ticket, which they then
• 15:51
  Speaker 4: gave her, which saved her twenty eight dollars.
• 15:54
  Speaker 3: Why of it all, you can't assume that they'll tell
• 15:58
  Speaker 3: you the best deal.
• 15:59
  Speaker 4: You've got to know what the best deal is.
• 16:00
  Speaker 3: Yes, so true, which is dog as hell and the
• 16:03
  Speaker 3: best deal is usually just on the mac is app,
• 16:05
  Speaker 3: not sponsored, but like, I just order through the MACS app. Now,
• 16:09
  Speaker 3: I used to think it was really annoying when you
• 16:11
  Speaker 3: got to the check That was how I feel. Yeah,
• 16:13
  Speaker 3: when you got to like the drive through and they
• 16:15
  Speaker 3: go are you using my MACS app today? And you
• 16:17
  Speaker 3: go no, And then you're like, can I just auder
• 16:19
  Speaker 3: in my chicken? Yeah? Jess, the deals sorry, I'm not
• 16:25
  Speaker 3: going to give them any more airtime on this podcast.
• 16:29
  Speaker 3: Call me McDonald's. We can do some deals. Yeah, but
• 16:32
  Speaker 3: as a fan of your app, Okay, you've really convinced me.
• 16:35
  Speaker 3: Because I was the same. I was like, it's no way. Sorry.
• 16:37
  Speaker 3: I think it was like seventeen ninety five. The other day,
• 16:39
  Speaker 3: my sister and I go through drive three. She's the
• 16:41
  Speaker 3: one that convoided me. She was like, vitera, you've got
• 16:43
  Speaker 3: to get on this. And like, if my sister says something,
• 16:45
  Speaker 3: she's like the cooler version of me. Like I still
• 16:48
  Speaker 3: said I should do it. Seventeen dollars, large chips, large coke,
• 16:53
  Speaker 3: three burgers, what oh wow, I don't know why. I
• 16:57
  Speaker 3: don't know why, but we'll take it. And then we
• 17:00
  Speaker 3: shared our chips and our cocaine had one point fives each. Anyway,
• 17:05
  Speaker 3: moving on from that, that is literally so good, Miss
• 17:09
  Speaker 3: Beck sayeed, Yes, some of our broke tips are the
• 17:13
  Speaker 3: catalyst for good money wins. And with that said, it
• 17:15
  Speaker 3: is time for you to share your best broke tips
• 17:17
  Speaker 3: of the week, of course.
• 17:19
  Speaker 5: So this first one comes from Okay, yes, I see
• 17:21
  Speaker 5: what you mean now about these nickname things. So this
• 17:24
  Speaker 5: one comes from enthusiastic arugular eight six' five two gorgeous. Name,
• 17:30
  Speaker 5: Nah i've Been i'm.
• 17:32
  Speaker 4: SORRY i know HOW i feel about.
• 17:34
  Speaker 3: THIS i don't like it at. ALL i, know but
• 17:37
  Speaker 3: maybe that is their name for Those it is absolutely.
• 17:40
  Speaker 3: Not it is absolutely. Not but also WHY i don't?
• 17:45
  Speaker 3: Know and like are they made?
• 17:46
  Speaker 4: UP i, wonder like does get automatically generates? Them that's
• 17:49
  Speaker 4: why they all kind of follow the same like. Convention
• 17:51
  Speaker 4: there's usually like a fruit or vegetable or an. Animal,
• 17:54
  Speaker 4: yeah and like a verb Arenown.
• 17:57
  Speaker 3: And, also just to be very clear with our, COMMUNITY
• 18:00
  Speaker 3: i banned anonymous posts in Our facebook group and a
• 18:04
  Speaker 3: lot of people were, like, well that's not, Fair, like you,
• 18:07
  Speaker 3: Know i've got friends or family in The facebook group
• 18:09
  Speaker 3: AND i don't want to share with. Them, OKAY i
• 18:11
  Speaker 3: fully get, that but more often than, not when it
• 18:14
  Speaker 3: came to anonymous comments and anonymous, questions they were anonymous
• 18:18
  Speaker 3: because they were incredibly, specific and you were, like, WELL
• 18:20
  Speaker 3: i don't want to put my name to. It but
• 18:22
  Speaker 3: if that's the question and it is too, specific that
• 18:26
  Speaker 3: then borders on us giving financial advice and breaching our
• 18:29
  Speaker 3: financial services. License but then on the other flip, SIDE
• 18:34
  Speaker 3: i have built this CAN i am very staunch about,
• 18:36
  Speaker 3: this and JUST i know you are. Too we have
• 18:38
  Speaker 3: built this community as a. Community we support each. Other
• 18:43
  Speaker 3: we do not do that. Anonymously, like if you've got
• 18:46
  Speaker 3: something to say in our, community say it with your full.
• 18:48
  Speaker 3: Chest if you're going to congratulate somebody on their money
• 18:51
  Speaker 3: in or their, confession say it with your. Name that is.
• 18:54
  Speaker 3: Incredible if you need to use an anonymous, profile why?
• 18:59
  Speaker 3: Yeah is it because you're saying something not so? Kind
• 19:02
  Speaker 3: And i'm seeing so many unkind comments pop. Up now
• 19:05
  Speaker 3: that you guys can control the narrative of being, Anonymous
• 19:08
  Speaker 3: i'm just a deleting. Queen i'll delete you fairly, Stuff
• 19:13
  Speaker 3: i'll block. Stuff, also as the admin of this, GROUP
• 19:16
  Speaker 3: i can SEE i can oh, yeah, oh just to
• 19:20
  Speaker 3: be very. Clear like if you think going anonymous means
• 19:23
  Speaker 3: it hides from, everyone it does except for the admins
• 19:26
  Speaker 3: of that. Group, wow, OKAY i see. YOU i see.
• 19:29
  Speaker 3: That that's not very. KIND i just blocked and deleted
• 19:31
  Speaker 3: you from our. Community that sounds really. Harsh but you're not.
• 19:36
  Speaker 3: Kind you're not. Welcome, sorry fair, enough absolutely, sorry sorry bye.
• 19:40
  Speaker 3: Anyway broke tip from an Anonymous arugula.
• 19:43
  Speaker 5: ANONYMOUS a, regular so ANONYMOUS i regular, Says i've been
• 19:48
  Speaker 5: using my credits At coles And woolies for the free.
• 19:50
  Speaker 5: COOKWARE i don't need the, cookware so Instead i've been
• 19:53
  Speaker 5: enlisting them On. Marketplace i've done this three, times and
• 19:55
  Speaker 5: each Time i've had over ten people contact me within
• 19:58
  Speaker 5: an hour sold three pins and fry pan at thirty dollars.
• 20:02
  Speaker 5: EACH i don't know you could do. That you can
• 20:03
  Speaker 5: use credits At coals And woolies for free cookwear money,
• 20:06
  Speaker 5: win which is also great if you just like are
• 20:09
  Speaker 5: literally like me and haven't purchased a new fry pan
• 20:12
  Speaker 5: a long, time, like the cookwear will come in very.
• 20:14
  Speaker 3: Handy THAT'S i think five pans. Amits i'm gonna.
• 20:18
  Speaker 4: PODCASTS i.
• 20:18
  Speaker 3: Can't we can talk about this offt line because my
• 20:22
  Speaker 3: current non stick fry pans are very. Stick yes and.
• 20:27
  Speaker 3: Gone i've seen my fry. Pants i'm not going to
• 20:29
  Speaker 3: say the branch because they'll be pretty annoyed at. ME
• 20:32
  Speaker 3: i paid full price for, them but, like, No i'm
• 20:34
  Speaker 3: not going to throw them under a. Bus but they
• 20:35
  Speaker 3: are very expensive. HANDS i keep buying pants and they
• 20:38
  Speaker 3: keep not. PANTING i, Know I'M i don't understand the.
• 20:41
  Speaker 3: Best i've used all of. THEM i use the ones
• 20:42
  Speaker 3: where you have to season. Them you can't wash. Them
• 20:44
  Speaker 3: it's a whole.
• 20:45
  Speaker 5: Thing but the best fry pans are the seven dollar
• 20:47
  Speaker 5: ones From kmart and they always will be and they
• 20:48
  Speaker 5: always have.
• 20:49
  Speaker 3: Been, really they are so. Good i'm gonna have to
• 20:52
  Speaker 3: become a convert Because i'm able to dry fry pan
• 20:54
  Speaker 3: through my back window right, now trust. Me and you
• 20:58
  Speaker 3: can't even go. Wrong you, know some of, Them you've
• 20:59
  Speaker 3: got to heat them up to a certain. Level you
• 21:00
  Speaker 3: gotta make sure That i've bought the expensive ceramic non
• 21:04
  Speaker 3: stick ones BECAUSE i was trying to be. Healthy why you? Stick?
• 21:08
  Speaker 3: Yeah why DID i use half a cup of? Oil
• 21:10
  Speaker 3: you still? Stick there's my question of the.
• 21:12
  Speaker 4: Week if you've owned your fry pants for at least a,
• 21:14
  Speaker 4: year BECAUSE i feel like they have a period where
• 21:16
  Speaker 4: they're good and then they just go to.
• 21:18
  Speaker 3: Happen, no, queen that's. EXPENSIVE i do not want to
• 21:20
  Speaker 3: be buying them every. Year if you've had your fry
• 21:22
  Speaker 3: pans for at least three, years they're still, good you
• 21:24
  Speaker 3: really rate. Them slide into OUR.
• 21:25
  Speaker 4: Dms, yeah pop it in The spotify comments, please BECAUSE
• 21:27
  Speaker 4: i need a recommendation.
• 21:28
  Speaker 3: Anyway the chase the came on ones are telling YOU
• 21:30
  Speaker 3: i might try the freebies for. Goals that's. True if it's,
• 21:34
  Speaker 3: free does it matter if it becomes nonstick?
• 21:36
  Speaker 5: Totally the sex one comes From kelly who, says just
• 21:39
  Speaker 5: a reminder that you can convert Your telstra points to
• 21:41
  Speaker 5: woolas gift. Cards did mine this week and got one
• 21:44
  Speaker 5: hundred and seventy dollars in gift cards for our.
• 21:46
  Speaker 3: GROCERIES i did not.
• 21:48
  Speaker 4: Know, yes that's so.
• 21:49
  Speaker 5: GOOD i don't even know What telstra points, are But
• 21:51
  Speaker 5: i'm assuming if you have a telstraphone or A Telstra
• 21:53
  Speaker 5: internet when you know what they, are and so hopefully
• 21:57
  Speaker 5: that's helpful for you.
• 21:58
  Speaker 3: Exactly and what's your broke?
• 21:59
  Speaker 5: Tip my, friend there is this couple that went to
• 22:01
  Speaker 5: a public library to book their, flights and they, said
• 22:05
  Speaker 5: it's like it works out. Cheaper and then someone stitched
• 22:08
  Speaker 5: that video and, said, HEY i tried, it it, works
• 22:11
  Speaker 5: so it must.
• 22:11
  Speaker 3: Be somebody like THE i, know you know when you
• 22:14
  Speaker 3: like log in and you like try, yes and so like.
• 22:17
  Speaker 5: When you like try and find flights on your own
• 22:19
  Speaker 5: laptop and then you go back to try and find them,
• 22:20
  Speaker 5: again they're like more.
• 22:21
  Speaker 3: Expensive but if you go.
• 22:22
  Speaker 5: To a public, library apparently it's just LIKE i don't
• 22:25
  Speaker 5: know if it's like the cheapest you can, find but
• 22:26
  Speaker 5: it's like very very, cheap or it's like at least
• 22:28
  Speaker 5: very reasonably.
• 22:29
  Speaker 3: Priced so definitely try. That if you're not having luck
• 22:32
  Speaker 3: on your own, laptop go to a public library and do.
• 22:35
  Speaker 2: IT i love.
• 22:35
  Speaker 3: IT i literally only use LIKE i only book flights
• 22:39
  Speaker 3: in incognito mode on my life. Totally, anyway that's pretty,
• 22:43
  Speaker 3: Exciting AND i just don't know how you discovered, That
• 22:45
  Speaker 3: like how someone was, like, oh the flights are expensive at,
• 22:48
  Speaker 3: Home i'm gonna go see they're cheaper at the. LIBRARY i, know.
• 22:50
  Speaker 3: Totally i'm sure that would have been an. Accident and
• 22:52
  Speaker 3: sometimes we do find the best broke tips by. Accident
• 22:56
  Speaker 3: after the, break we will be discussing a money dilemma about,
• 22:58
  Speaker 3: shares specifically shares that have landed writing your, lap so
• 23:02
  Speaker 3: guys don't go. Anywhere welcome, back. Everybody let's take a
• 23:09
  Speaker 3: listen to this week's money. Dilemma, hi, there have you
• 23:13
  Speaker 3: got a money dilemma you just can't. Solve The she's
• 23:16
  Speaker 3: on The money team is here to.
• 23:17
  Speaker 6: Help every week we tackle your, dilemmas both big and,
• 23:21
  Speaker 6: small to answer your most burning, money career and life.
• 23:24
  Speaker 6: Questions to get, involved simply head to our website and
• 23:27
  Speaker 6: leave us a short voice recording and you might just
• 23:29
  Speaker 6: find yourself on the. Show, now let's take a listen
• 23:32
  Speaker 6: to this week's money. Dilemma, Hi she's on The.
• 23:36
  Speaker 2: Money i've got a question regarding. SHARES i was gifted
• 23:42
  Speaker 2: some shares WHEN i turned, eighteen WHICH i thought were.
• 23:44
  Speaker 2: ETFs that turns out that they are ric's or listed
• 23:49
  Speaker 2: investment company shares In. Argo the condition of getting them
• 23:54
  Speaker 2: as a gift is THAT i can't sell, them and
• 23:55
  Speaker 2: they're currently seeing it about forty thousand, dollars which is pretty.
• 23:58
  Speaker 2: Good but just want to want to doferences and SHOULD
• 24:01
  Speaker 2: i actually be continuing to put money into this or
• 24:03
  Speaker 2: SHOULD i be focusing on? ETFs is there a big
• 24:06
  Speaker 2: difference in the Money i'm going to make thank.
• 24:08
  Speaker 3: You i'm going to, SAY i don't really. Know, NO
• 24:11
  Speaker 3: i don't know the answer to this, one AND i
• 24:13
  Speaker 3: just pass that one right across to what about? BECK i,
• 24:19
  Speaker 3: mean if you like, IT i CAN fa do you?
• 24:23
  Speaker 3: INSTEAD i do, Know So i'm very happy to take
• 24:27
  Speaker 3: one for the. Team you know. What it is so
• 24:30
  Speaker 3: nice to still be wanted and, needed and sometimes you
• 24:33
  Speaker 3: guys answer the questions so well That i'm, LIKE i
• 24:35
  Speaker 3: Guess i'll see myself. Out so a listed investment company
• 24:40
  Speaker 3: versus an exchange traded fund basically boils down to a
• 24:43
  Speaker 3: choice between active, management which is usually focused on creating
• 24:49
  Speaker 3: a reliable, income and then passive management that is focused
• 24:53
  Speaker 3: on tracking the market at a low, cost which is AN.
• 24:56
  Speaker 3: Etf so that's an active and passive as OF i
• 24:59
  Speaker 3: gues this year that INVESTMENT rgo is one of you would,
• 25:05
  Speaker 3: Say australia's largest, LICs which actually has about eight billion
• 25:10
  Speaker 3: dollars in, it which is not something THAT i don't.
• 25:13
  Speaker 3: Know if you've never heard of, it you might be, like, oh,
• 25:15
  Speaker 3: Risky OH i don't, Know LIKE i don't know What argo.
• 25:18
  Speaker 3: Like it's pretty damn, big so it's not a risky.
• 25:21
  Speaker 3: Investment and have forty thousand dollars in, IT ah snaps for.
• 25:24
  Speaker 2: You that's.
• 25:24
  Speaker 3: Incredible but when it comes down TO i guess rgo
• 25:29
  Speaker 3: and not being able to sell. It they are a
• 25:31
  Speaker 3: closed end, company so unlike AN etf that you can just,
• 25:35
  Speaker 3: like which is open, ended you can just jump on
• 25:39
  Speaker 3: tracks the, market you, know sell it. Tomorrow this means
• 25:42
  Speaker 3: That argo has a fixed number of shares which does
• 25:46
  Speaker 3: trade on THE asx like any other, stock but the
• 25:48
  Speaker 3: share price can trade at a, discount so it's cheaper
• 25:51
  Speaker 3: or a premium which is more expensive to its tangible,
• 25:54
  Speaker 3: assets which is AN nta of its actual. Value so
• 25:59
  Speaker 3: it's different management. Style i'm interested as to why you're
• 26:02
  Speaker 3: not allowed to sell, it if that makes. Sense like
• 26:05
  Speaker 3: they've got a pretty good like active management, fee so
• 26:09
  Speaker 3: ON rg you're looking at maybe point one four, percent
• 26:15
  Speaker 3: whereas A etf is maybe point one zero, Percent so
• 26:19
  Speaker 3: like not that much of a, Difference but why can't
• 26:23
  Speaker 3: you sell?
• 26:23
  Speaker 4: It like could it be a condition Of like if
• 26:25
  Speaker 4: it was an, inheritance could it be you inherit, This, well.
• 26:28
  Speaker 3: Let's go with, that because it might be, like, A
• 26:30
  Speaker 3: i can't sell it because of, this but the tax
• 26:33
  Speaker 3: implications on those assets are the. Same, like you, know
• 26:37
  Speaker 3: if you've held that asset for more than twelve, months
• 26:40
  Speaker 3: you'll get YOUR cgt fifty percent discount as of right.
• 26:43
  Speaker 3: Now that might change in a, year but in saying,
• 26:46
  Speaker 3: that it's important to know that those changes won't affect
• 26:48
  Speaker 3: your existing. Portfolio they'll be called. Grandfathered so you might
• 26:52
  Speaker 3: have heard this term flying, around but grandfather ing basically, means, Hey,
• 26:56
  Speaker 3: beck if you owned this asset today and you want
• 26:59
  Speaker 3: to sell it, tomorrow but you change the rules, tomorrow
• 27:02
  Speaker 3: you still get to use the old rules because we're
• 27:04
  Speaker 3: not going to like pull the rug out from underneath.
• 27:06
  Speaker 3: You but if you want to go and purchase a
• 27:09
  Speaker 3: new asset next week and the rules have, changed you
• 27:12
  Speaker 3: have to abide by the new. Rules, yeah and you, go,
• 27:14
  Speaker 3: okay no. Worries so the rules should be the same on.
• 27:19
  Speaker 3: Both but if you're, saying, oh DO i keep investing
• 27:21
  Speaker 3: into this, asset, well that's a purely personal, question right
• 27:25
  Speaker 3: because it's not an issue of whether you have ETFs
• 27:29
  Speaker 3: or this managed. Portfolio it's more, like does it align
• 27:32
  Speaker 3: to your? Goals does it align to your? Values did
• 27:34
  Speaker 3: you want to diversify further and have more? ETFs, also
• 27:37
  Speaker 3: if you're going to keep, investing the rules might change
• 27:41
  Speaker 3: later down the, track but it will only change for
• 27:43
  Speaker 3: the assets that you purchase after that. Date so for,
• 27:47
  Speaker 3: me a little from COLUMN, a a little from COLUMN.
• 27:50
  Speaker 3: B they're both genuine assets that people invest in on
• 27:55
  Speaker 3: THE asx.
• 27:56
  Speaker 4: Is AN L i see the same as AN etf
• 27:58
  Speaker 4: in that it invests in many. Things, yes it can
• 28:01
  Speaker 4: be SO rg. Investments they then pick a lot. More
• 28:05
  Speaker 4: their liquidity is, high which is Why i'm kind of
• 28:08
  Speaker 4: confused about her SAYING i can't sell. Them maybe it's
• 28:11
  Speaker 4: just because it was purchased by somebody else and it
• 28:13
  Speaker 4: was a gift and you obviously wouldn't sell a gift
• 28:15
  Speaker 4: and get rid of.
• 28:15
  Speaker 3: It but, yes they are very similar in that. Aspect
• 28:19
  Speaker 3: it's just very active. Management like it's a listed company
• 28:23
  Speaker 3: and you know you get fully franked income from it
• 28:26
  Speaker 3: above higher capital. Growth so, wait can she just never sell?
• 28:30
  Speaker 3: It we don't, Know, well we don't. Know like IF,
• 28:33
  Speaker 3: i LIKE i could go and purchase our go, today
• 28:36
  Speaker 3: LIKE i could jump on my phone open my shares
• 28:37
  Speaker 3: exap and purchase SOME rgo and that would be. Good
• 28:39
  Speaker 3: but that's AN, lic not AN. Etf it's just a different.
• 28:43
  Speaker 3: Asset it's like How jess could go and buy a
• 28:45
  Speaker 3: direct share or AN etf should purchase it any exactly
• 28:48
  Speaker 3: the same. Way same with ariits so real estate investment,
• 28:52
  Speaker 3: trusts like you could go and buy one of those
• 28:54
  Speaker 3: on THE, asex or you could buy a. Bond there
• 28:56
  Speaker 3: are lots of different things that are for sale on THE.
• 28:58
  Speaker 3: Asex they're not all made the, same they're not all,
• 29:00
  Speaker 3: equal but they trade the. Same so that's Why i'm
• 29:03
  Speaker 3: a bit confused about her inability to dispose of that.
• 29:06
  Speaker 3: Asset got you got you got to sho.
• 29:07
  Speaker 4: Get into THIS speachducdm, though, absolutely AND i might do
• 29:11
  Speaker 4: some more research on.
• 29:12
  Speaker 3: Argo from a personal, Perspective i'm, like why have you got?
• 29:14
  Speaker 3: That SHOULD i have?
• 29:15
  Speaker 4: That?
• 29:16
  Speaker 3: YEAH i feel that way every time someone mentioned SOMETHING
• 29:18
  Speaker 3: i don't. Own, anyway we are going to look into my.
• 29:21
  Speaker 3: Dms every week we unpack a dilemma from OUR, dms
• 29:24
  Speaker 3: and this one describes being caught between a rock and
• 29:26
  Speaker 3: a hard. Place, hi she's on the. MONEY i have
• 29:29
  Speaker 3: a community. QUESTION i currently am in a really well
• 29:33
  Speaker 3: paying mining, job which has changed my money story and
• 29:36
  Speaker 3: helped me get out of debt and start. Investing, however
• 29:40
  Speaker 3: it was never meant to be a permanent, fix AS
• 29:42
  Speaker 3: i have a unique degree THAT i want to. Follow
• 29:44
  Speaker 3: my mind is closing in two, years and my original
• 29:46
  Speaker 3: plan was to stay until it closed and then follow
• 29:49
  Speaker 3: my dream. Career but LATELY i have found the site
• 29:51
  Speaker 3: is literally sucking the life out of. ME i find
• 29:54
  Speaker 3: myself mentally and physically. Drained after a week of, Work
• 29:57
  Speaker 3: i'm calling and, Sick i'm crying in the, bathrooms AND
• 29:59
  Speaker 3: i genuinely just dread going to. WORK i really want to.
• 30:02
  Speaker 3: Leave my, issue, though is IF i dip out of
• 30:04
  Speaker 3: my plans, Early i'm quite literally missing out on three
• 30:08
  Speaker 3: hundred thousand dollars plus over a two year, period not
• 30:12
  Speaker 3: including WHAT i get from my, investments my bank, interest my,
• 30:15
  Speaker 3: superannuation which in today's financial climate seems very risky and
• 30:19
  Speaker 3: scarce the living daylights out of. Me my question is
• 30:22
  Speaker 3: what would most people do dip out of my financial
• 30:25
  Speaker 3: plan early and lose that amount of money or tolerate
• 30:28
  Speaker 3: for the long term. Gain what would you guys?
• 30:30
  Speaker 5: DO i am curious about the three hundred thousand, Dollars,
• 30:35
  Speaker 5: like are they taking.
• 30:36
  Speaker 3: Like in salary earning one hundred and fifty grand a?
• 30:40
  Speaker 5: Year okay in that case of, coursely BUT i, KNOW
• 30:45
  Speaker 5: i understand it feels like a huge amount of. Money
• 30:47
  Speaker 5: But i'm, like also with that kind of salary and
• 30:51
  Speaker 5: maybe with the experience you've, gained like do you have
• 30:53
  Speaker 5: to stay? There like can you look for a similar,
• 30:56
  Speaker 5: job but just like with a completely different team travels
• 30:59
  Speaker 5: somewhere else in austra you know WHAT i. MEAN i
• 31:00
  Speaker 5: feel like that your main priority should be to definitely look,
• 31:05
  Speaker 5: elsewhere BECAUSE i totally not feeling like crying in the
• 31:08
  Speaker 5: bathrooms you like seek to your. Stomach you don't want
• 31:10
  Speaker 5: to go like you don't want to like sacrifice your
• 31:12
  Speaker 5: mental health because it also feels like right now it's you,
• 31:15
  Speaker 5: Know i'll Eventually i'll be, fine but that long term negative,
• 31:19
  Speaker 5: effect like it doesn't just feel, like, Oh i'm just
• 31:21
  Speaker 5: gonna be anxious UNTIL i. Finish it's like that will
• 31:23
  Speaker 5: bleed into like every part of your life and you
• 31:25
  Speaker 5: might like not even realize it right, now but you'll
• 31:28
  Speaker 5: be maybe isolating. Yourself maybe you will come back to
• 31:31
  Speaker 5: feeling better one. Day and then be like where doll
• 31:33
  Speaker 5: my friends. Go all these things will just bleed into other.
• 31:36
  Speaker 5: THINGS i think that your mental health is always number, one,
• 31:38
  Speaker 5: Always so try and find a job that's WITHIN i,
• 31:42
  Speaker 5: guess like maybe the same, sector but just a different
• 31:45
  Speaker 5: team or. Something even if it's like a pay, cut
• 31:47
  Speaker 5: it really doesn't. Matter if it's like you're working and
• 31:50
  Speaker 5: there's a big bonus.
• 31:51
  Speaker 3: Of three hundred thousand, dollars maybe that would change my.
• 31:53
  Speaker 3: Answer but if it just if it's, salary you can
• 31:56
  Speaker 3: find that or even something within, that even if it's ninety.
• 31:59
  Speaker 4: K i'm interpreting her message. Though she said that she
• 32:03
  Speaker 4: could leave and she would take a pay, cut and
• 32:05
  Speaker 4: that pay cut would. Result so my understanding of her
• 32:08
  Speaker 4: message is that in taking a new, job she's sacrificing
• 32:12
  Speaker 4: three hundred thousand dollars of ad. Dish, yeah not she
• 32:15
  Speaker 4: earns one hundred and fifty grand a.
• 32:17
  Speaker 3: YAR i, see that's JUST i thought that was. Good
• 32:20
  Speaker 3: she's better.
• 32:21
  Speaker 4: Wicked well, yeah but that's just how based on what she,
• 32:24
  Speaker 4: said my assumption even, then, yeah.
• 32:28
  Speaker 5: Even THEN i THINK i, would, YEAH i would bounce for,
• 32:30
  Speaker 5: sure because it's just it's, like what is. Money it's
• 32:33
  Speaker 5: a man made. Thing your mental health is the most.
• 32:35
  Speaker 3: IMPORTANT i.
• 32:37
  Speaker 4: AGREE i think that's the correct, Answer like it's the
• 32:40
  Speaker 4: ANSWER i. LIKE i think you've got to prioritize your mental,
• 32:43
  Speaker 4: health AND i agree with everything that you. Said if
• 32:45
  Speaker 4: you're asking WHAT i personally would, DO i Fear i'm
• 32:48
  Speaker 4: sticking it. Out like to be completely, HONEST i Think
• 32:52
  Speaker 4: i'm someone who's quite good at, compartmentalizing AND i think as,
• 32:55
  Speaker 4: well that's. TERRIFYING i THINK i look at it as
• 32:59
  Speaker 4: short term, pain long term, Gain LIKE i talk about
• 33:01
  Speaker 4: that right, Now Like i'm working two jobs And i'm
• 33:03
  Speaker 4: working more THAN i need to for, sure and it's
• 33:06
  Speaker 4: definitely stretching me out kind of quite a. Bit But
• 33:10
  Speaker 4: i'm going same as our, LISTENER i have an. End
• 33:13
  Speaker 4: i'm doing it through till when my house build is,
• 33:15
  Speaker 4: done And i'm going short term, paign long term. Gain
• 33:18
  Speaker 4: it'll have been about a year by the time it's all,
• 33:20
  Speaker 4: done and it's not been the. Easiest but at the same,
• 33:24
  Speaker 4: TIME i THINK i am prioritizing that.
• 33:28
  Speaker 3: Goal you deeply depressed me.
• 33:30
  Speaker 4: As a very Different you, KNOW i have worked jobs
• 33:33
  Speaker 4: WHERE i have been pretty, miserable and it would tell,
• 33:36
  Speaker 4: me right you, know LIKE covid or something like that
• 33:40
  Speaker 4: WHEN i was depressed and it WAS i, mean it's
• 33:43
  Speaker 4: a little bit different because it was a very different
• 33:45
  Speaker 4: job market and all those sorts of. Things but that's
• 33:47
  Speaker 4: just WHO i am as a, person AND i don't
• 33:48
  Speaker 4: necessarily condone. That and that's WHY i SAID i don't
• 33:50
  Speaker 4: think my answer is the correct. ANSWER i think like
• 33:53
  Speaker 4: in an ideal, world everyone absolutely puts their mental health.
• 33:56
  Speaker 4: First because you're so, bright it affects. Everything but also,
• 33:59
  Speaker 4: like If i'm really, honest there's not a LOT i
• 34:02
  Speaker 4: wouldn't do for three hundred GRAND i.
• 34:04
  Speaker 3: Mean the way that that could set.
• 34:06
  Speaker 4: You what?
• 34:07
  Speaker 3: Else like what's the? Bank how DO i get out of?
• 34:14
  Speaker 2: This what do you?
• 34:15
  Speaker 4: Think?
• 34:16
  Speaker 3: Oh you, GUYS i want more. Context not BECAUSE i
• 34:19
  Speaker 3: want more, context but like it sounds like you're burning.
• 34:22
  Speaker 3: Out it also sounds like you used to love this
• 34:25
  Speaker 3: job and now you don't want's? Changed like is there
• 34:28
  Speaker 3: somebody at work that's being nasty to? You if you're
• 34:30
  Speaker 3: crying in the? Bathrooms my, queen OBVIOUSLY i want you to,
• 34:32
  Speaker 3: Leave but like you're, asking like DO i just push?
• 34:36
  Speaker 3: Through but like what are we pushing? Through like do
• 34:39
  Speaker 3: we need to go talk to, aha like do we
• 34:41
  Speaker 3: need to fix something about this role or are you
• 34:44
  Speaker 3: genuinely just like burnt out from work and like it's
• 34:47
  Speaker 3: overwhelming and all consuming and like that's what's like five verys,
• 34:51
  Speaker 3: tough it's very. Demanded, Yeah like do you need to
• 34:53
  Speaker 3: take some stress leave or do you need to talk
• 34:54
  Speaker 3: to your work about some reduced? Hours like if we
• 34:57
  Speaker 3: Take jess's assumption that it's additional three hundred, grand yes
• 35:01
  Speaker 3: that's a lot of, money but reduced, hours you'd still
• 35:05
  Speaker 3: be earning a lot of. Money so do you want
• 35:07
  Speaker 3: to do reduced hours for that period of? Time do
• 35:09
  Speaker 3: you know WHAT i? Mean is there some flexibility in?
• 35:11
  Speaker 3: This AND i think there's probably two questions. Here is
• 35:15
  Speaker 3: this burnout that maybe could improve with some leave and
• 35:19
  Speaker 3: showing yourself some. Grace something THAT i feel LIKE i
• 35:21
  Speaker 3: have to remind my friends at the moment is that
• 35:23
  Speaker 3: your annual leave isn't just for, Holidays like you could
• 35:26
  Speaker 3: take a week and rot on your couch and maybe
• 35:30
  Speaker 3: that's the best thing that you do for your health
• 35:32
  Speaker 3: and your mental health and your. Life so could we
• 35:35
  Speaker 3: pull some levers there or has this crossed into this
• 35:40
  Speaker 3: is fundamentally costing me? Too much of myself at which
• 35:43
  Speaker 3: point we are absolutely opting. OUT H, YEAH i think
• 35:46
  Speaker 3: that that's a really big question because more money obviously
• 35:50
  Speaker 3: buys more freedom and safety and, options but there's also
• 35:54
  Speaker 3: a point where no salary can actually compensate for your
• 35:56
  Speaker 3: mental health deteriorating long. Term so, yeah there are a
• 36:01
  Speaker 3: lot of questions THAT i, Have and is there any
• 36:03
  Speaker 3: type of LIKE eap program at your work that you
• 36:06
  Speaker 3: could maybe touch base with and be, like, HEY i am,
• 36:09
  Speaker 3: struggling what is going? On and YOUR eap program in
• 36:13
  Speaker 3: a mining, COMPANY i can almost guarantee they have, it
• 36:16
  Speaker 3: because you're not the only person in mining who's had
• 36:18
  Speaker 3: mental health. Issues it should be completely, anonymous like you
• 36:22
  Speaker 3: can call, up have a chat with a, therapist have
• 36:24
  Speaker 3: a chat with somebody for free to see where you're,
• 36:27
  Speaker 3: at which is probably WHERE i would be, at because,
• 36:31
  Speaker 3: like you're already changing your money story by doing, this
• 36:34
  Speaker 3: and maybe you're going to shoot yourself in the foot
• 36:36
  Speaker 3: for turning up to your next career with your best
• 36:38
  Speaker 3: foot forward by being burnt. Out so, like what are we?
• 36:41
  Speaker 3: Doing what are we? Doing, like let's get our stuff,
• 36:43
  Speaker 3: together but like let's make a plan.
• 36:45
  Speaker 4: True what everyone else?
• 36:46
  Speaker 3: Say so, first we asked our, community have you ever
• 36:49
  Speaker 3: stayed in a job purely for the financial, upside even
• 36:52
  Speaker 3: if it was impacting your well. BEING i feel like
• 36:54
  Speaker 3: the number's got to be.
• 36:55
  Speaker 6: High.
• 36:55
  Speaker 3: Yes seventy ex seven percent of you said you did fair.
• 36:58
  Speaker 3: Enough what's the bigger? Risk we, asked leaving early and
• 37:01
  Speaker 3: missing out financially or staying somewhere that is draining, you
• 37:05
  Speaker 3: and you guys at fifty three percent said the bigger
• 37:08
  Speaker 3: risk was leaving early and missing out, financially and then
• 37:11
  Speaker 3: forty seven percent said staying somewhere that is draining. You
• 37:14
  Speaker 3: we then went to the community and obviously, said, guys
• 37:18
  Speaker 3: what's your two? Cents very similar to what we are. Saying,
• 37:21
  Speaker 3: also people are, saying you wouldn't continue to run on
• 37:25
  Speaker 3: a broken. Leg mental health and wellbeing is a priority
• 37:28
  Speaker 3: because it will just get. Worse, yeah very. True someone else,
• 37:31
  Speaker 3: said reap the financial benefits and try to find the
• 37:34
  Speaker 3: light outside of work to fill your. Cup how are
• 37:36
  Speaker 3: you doing? That someone, said two years in the grand
• 37:39
  Speaker 3: scheme of things is quite. Short break it up into
• 37:42
  Speaker 3: six month slots and find joy. Outside another person, said
• 37:46
  Speaker 3: it's not actually three hundred grand as a loss if
• 37:49
  Speaker 3: you find another job that you enjoy for the next
• 37:51
  Speaker 3: two years and build a thriving. Career, mmmmm good. Point
• 37:55
  Speaker 3: someone else, said could that three hundred thousand dollars be
• 37:58
  Speaker 3: offset with any new job or is that the bonus
• 38:01
  Speaker 3: amount for. Staying they've got questions as. Well another person,
• 38:04
  Speaker 3: said don't. Forget the longer you are out OF uni
• 38:06
  Speaker 3: and not in a related, job the harder it is
• 38:09
  Speaker 3: going to. Get also that you'll always be two years
• 38:12
  Speaker 3: behind in the actual career you want to. Start it's.
• 38:15
  Speaker 3: TRUE i find this to be like self. Perpetuating WHEN
• 38:20
  Speaker 3: i talk to other people in similar, Situations they're, Like,
• 38:22
  Speaker 3: Oh i'm giving and you know your mind's closing in two,
• 38:24
  Speaker 3: Years so this is actually a legitimate like. Deadline, Yeah
• 38:27
  Speaker 3: but like people will be, Like i'll give it another
• 38:29
  Speaker 3: year and Then i'll take the pay. Cut are you
• 38:31
  Speaker 3: actually going to take the pay cut or are you
• 38:33
  Speaker 3: going to find another job in mining because the money's
• 38:35
  Speaker 3: just too damn.
• 38:35
  Speaker 2: Good.
• 38:36
  Speaker 3: Yeah someone else said start looking for other jobs and
• 38:39
  Speaker 3: leave when you have secured something, else and another person,
• 38:42
  Speaker 3: said we appreciate the highs when we experience the, Lows
• 38:46
  Speaker 3: so maybe sticking it out would mean that you appreciate
• 38:49
  Speaker 3: your career interesting in the. Future, WELL i thought that
• 38:53
  Speaker 3: was interesting, too and we always share like a diverse
• 38:56
  Speaker 3: range of. Responses and then someone else, said please just
• 39:00
  Speaker 3: care for your mental. Health AND i think that that's
• 39:02
  Speaker 3: WHERE i would like to leave. It my, Friends, yeah love,
• 39:04
  Speaker 3: it sending you lots of. Love, Iulp you're, okay all,
• 39:07
  Speaker 3: right my. Friends unfortunately that is all we have time for.
• 39:09
  Speaker 3: Today if you enjoyed this, EPISODE i would love. It
• 39:12
  Speaker 3: if you told your, friend you told your. Neighbor maybe
• 39:15
  Speaker 3: you just tell your. CAT i don't. Care tell someone
• 39:17
  Speaker 3: by the water cooler at work if they're still going
• 39:19
  Speaker 3: to the water cooler these. Days thank you for being
• 39:21
  Speaker 3: part of our community and tuning in on probably like
• 39:24
  Speaker 3: your morning, walk your hot girl commute to, work.
• 39:28
  Speaker 4: Or we're doing this fun new thing On. Instagram show
• 39:31
  Speaker 4: us where you're listening from a story we're going to.
• 39:34
  Speaker 4: Start we're trying to collect a collage of like all
• 39:36
  Speaker 4: the fun different places people are listening, from so tag
• 39:40
  Speaker 4: us if there's a location on. It even, better we're
• 39:42
  Speaker 4: trying to see what the most exotic random place.
• 39:44
  Speaker 3: Is, yeah so, huge get, tagging and, please if you're
• 39:48
  Speaker 3: reading my, book add it to the list BECAUSE i
• 39:50
  Speaker 3: have been tagged in some fun book pictures of people
• 39:52
  Speaker 3: like on their holidays Reading she's on The, money And i'm, like,
• 39:55
  Speaker 3: girl is that The bahamas so? Slight, anyway we appreciate
• 39:59
  Speaker 3: you and We i'll see you next week with a
• 40:01
  Speaker 3: brand new money. Diary take care and have the best.
• 40:04
  Speaker 3: Weekend like. Bye the advice sheared On she's on The
• 40:12
  Speaker 3: money is general in nature and does not consider your individual.
• 40:15
  Speaker 3: Circumstances she's on The money exists purely for educational purposes
• 40:19
  Speaker 3: and should not be relied upon to make an investment
• 40:22
  Speaker 3: or financial. Decision if you do choose to buy a financial,
• 40:25
  Speaker 3: product read THE PDS tmd and obtain appropriate financial advice
• 40:29
  Speaker 3: tailored towards your.
• 40:30
  Speaker 6: Needs Victoria divine And she's on The money are authorized
• 40:34
  Speaker 6: representatives Of. Money sheper PTY LTD abn three two ONE
• 40:39
  Speaker 6: is six four nine two seven seven zero EIGHT afsl
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  Speaker 6: four five one two eight nine