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Should You Buy Gold Bullion and Would You Delay Your Dream Job Incase You Have Kids? · 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 Whaltbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
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  Speaker 1: would like to acknowledge the traditional custodians of the land
• 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. She's on the Money. She's on
• 0:36
  Speaker 2: the Money.
• 0:57
  Speaker 3: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 3: that makes personal finance fun.
• 1:02
  Speaker 2: Especially on Fridays.
• 1:04
  Speaker 3: It is our favorite day of the week because we
• 1:06
  Speaker 3: get the team together, we get to celebrate you how incredible.
• 1:09
  Speaker 2: She's on the Money community.
• 1:11
  Speaker 3: Miss Jessica Ricci as always is right here with her
• 1:14
  Speaker 3: money wins straight from the Facebook group.
• 1:16
  Speaker 2: Miss beck Sayed is going to be sharing.
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  Speaker 3: Her broke tips and we're going to be helping with
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  Speaker 3: the money dilemma, which this week is all about whether
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  Speaker 3: you should buy gold bullion and something that you slid
• 1:27
  Speaker 3: into our DMS about should you delay a work opportunity
• 1:31
  Speaker 3: if you think you might have kids. I find there
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  Speaker 3: is such an interesting conversation, one that historically I didn't
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  Speaker 3: think I would be having. But now I'm having these
• 1:40
  Speaker 3: conversations with my friends about like, oh do I take
• 1:43
  Speaker 3: a new job on my current job has a really
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  Speaker 3: good matt leave policy. I just never thought we'd be here.
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  Speaker 2: But we are. Anyway, Before we get there, what do
• 1:51
  Speaker 2: you do this week? Jess? Not much.
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  Speaker 4: I feel like I've moved on to the next holiday.
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  Speaker 4: So now it's Mother's Day, which I know some people
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  Speaker 4: will say probably not a huge I disagree.
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  Speaker 2: Mom's a very importanti for anyone. As well. We've got
• 2:04
  Speaker 2: a little moonpig giveaway.
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  Speaker 3: Yeah, my god, the moonpeg giveaway is actually elite, like
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  Speaker 3: so good.
• 2:09
  Speaker 2: So you guys are not taking advantage of this. It
• 2:12
  Speaker 2: is free. It is a free card.
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  Speaker 3: Yeah, so if you don't want one for Mother's Day,
• 2:17
  Speaker 3: that's fine, because I tried the code. It might be
• 2:20
  Speaker 3: for Mother's Day, but like you can pick any card. Yeah,
• 2:24
  Speaker 3: so it's I think it's SotM Mum is the coade.
• 2:26
  Speaker 3: We'll put it in the show notes. But you can
• 2:28
  Speaker 3: create any card with you meet Vita. You made a
• 2:30
  Speaker 3: really cute one for duty. It was really sweet.
• 2:32
  Speaker 2: You can personalize it, can we handr eye on it?
• 2:34
  Speaker 2: And it ships for free too, which I thought was
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  Speaker 2: really good.
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  Speaker 4: If you're someone whose mum is maybe interstate or you
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  Speaker 4: won't get to.
• 2:39
  Speaker 2: See there's no catches. Yeah, like it's free.
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  Speaker 3: You can send your mama card to her house for
• 2:44
  Speaker 3: free through Moonpig, or you could send.
• 2:47
  Speaker 2: A card to you for a later date.
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  Speaker 3: You could like customize one for your partner or customize
• 2:53
  Speaker 3: one for a friend and like have it in the bank.
• 2:55
  Speaker 2: Yeah. Literally, like there's there's no downside. Money win. We're
• 2:59
  Speaker 2: getting into an early you can have that one for
• 3:00
  Speaker 2: free and what about you? Beck week has been really lovely.
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  Speaker 2: Came back from school camp. Camping was so fun.
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  Speaker 5: Is everything I could have dreamed of, all the games,
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  Speaker 5: the excitement, seeing all your friends just in the one
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  Speaker 5: place and you're like camping in like.
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  Speaker 2: A group of ten not camping. It's like, you know dorms.
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  Speaker 2: Is that what you call them? Cabins?
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  Speaker 6: Yeah?
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  Speaker 3: Yeah, fully it's giving. I don't know school camp.
• 3:24
  Speaker 5: Yes, it's given, and that's exactly what it is. And
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  Speaker 5: it was just Yeah, it was just really wholesome and nice.
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  Speaker 5: And usually I'm like my friends, know, I don't like
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  Speaker 5: a sleepover because I need to scroll for.
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  Speaker 2: A certain amount of time. I just want to be
• 3:36
  Speaker 2: you can do that. But it was really fun. You
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  Speaker 2: can do that in my house. That's all good to ask.
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  Speaker 2: Thank you.
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  Speaker 3: Like sometimes we will just sit on the couch together
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  Speaker 3: and scroll scroll, it's all.
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  Speaker 4: Yeah.
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  Speaker 2: I love who's also in our team. She calls that
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  Speaker 2: mouse time. That's my mouth time time, and you've got to.
• 3:51
  Speaker 3: Like mice and I think that that's really cute and
• 3:54
  Speaker 3: everybody needs a little bit of mouse time.
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  Speaker 2: Yeah, definitely. What about your how's your week?
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  Speaker 3: My week was good, love luf. It has been mundane
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  Speaker 3: as always. I have had a few speaking events, which
• 4:06
  Speaker 3: is always really good. And then yeah, just I'm spending
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  Speaker 3: more time in the Zella office at the moment, which
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  Speaker 3: I don't know, I'm loving it. I know that, like
• 4:15
  Speaker 3: that probably comes as a surprise to you guys, but
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  Speaker 3: like I do spend a fair bit of my week
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  Speaker 3: working from home because I do feel like I'm a
• 4:21
  Speaker 3: bit more productive. But recently I've gone, oh maybe I'll
• 4:24
  Speaker 3: spend like an extra day a week in the Zella
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  Speaker 3: offices because like, I have these really big goals for
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  Speaker 3: the business this year, and like obviously if I'm not present,
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  Speaker 3: things aren't gonna happen, and I actually need to put
• 4:36
  Speaker 3: my money where my mouth is, essentially, So that's been
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  Speaker 3: really good. Every single month, my team pick a word
• 4:43
  Speaker 3: of the month, so like we will do like a
• 4:46
  Speaker 3: different word every month, and then all of our activities
• 4:49
  Speaker 3: or things that are in addition to the work that
• 4:51
  Speaker 3: we're doing are themed, and I love that. But this
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  Speaker 3: month it's been refocus, and so like we're refocusing on
• 4:59
  Speaker 3: like what our goal and refocusing on like exactly what
• 5:02
  Speaker 3: is important, and you know, even just refocusing personal and professional.
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  Speaker 3: So like we've run a workshop, Like we did a
• 5:09
  Speaker 3: whole morning where I got brunching. We all sat in
• 5:11
  Speaker 3: the workshop room and we talked about our personal goals
• 5:14
  Speaker 3: and set some new personal goals and then our professional
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  Speaker 3: goals and what we want to achieve by the end
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  Speaker 3: of the year and what we want to achieve by June.
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  Speaker 3: And just I feel like when you have clarity, you
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  Speaker 3: just feel so clean and fresh. And that's where this
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  Speaker 3: idea of me coming into the office a little bit
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  Speaker 3: more is anyway, Refocus has been the vibe and it's vibing. Yeah.
• 5:33
  Speaker 2: I like that, Like, yeah, anyway. Would you like to
• 5:36
  Speaker 2: hear a five star review? Yes? Please?
• 5:38
  Speaker 3: Oh I love this part, maybe because it strokes my ego.
• 5:41
  Speaker 3: This one's from Holly, So Holly says, I found Cheese
• 5:45
  Speaker 3: on the Money and The Broke Generation in July twenty
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  Speaker 3: twenty four. They absolutely changed my life. I've binged every
• 5:52
  Speaker 3: single episode starting season one from July last year and
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  Speaker 3: finally up to date this week.
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  Speaker 2: That's a lot. We have one episodes. I've now paid
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  Speaker 2: off all my debt.
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  Speaker 3: Which included twenty thousand dollars left to me by another person. Oh,
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  Speaker 3: I have a really healthy emergency fund and we are
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  Speaker 3: on track to buy a house this year.
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  Speaker 2: With the help of the beautiful girls at Zella White.
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  Speaker 3: Victoria has such an amazing and kind way of breaking
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  Speaker 3: down terms and explaining things so they don't seem so complicated.
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  Speaker 3: Jess is so kind and has such a way of
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  Speaker 3: wording things that you feel like you're on her journey
• 6:30
  Speaker 3: with her. Oh, Beck is so relatable or honest. I
• 6:34
  Speaker 3: just want to give her a giant hug. Oh, thank
• 6:36
  Speaker 3: you ladies for the work that you do. You have
• 6:39
  Speaker 3: changed so many lives, including my own, and I am
• 6:42
  Speaker 3: so eternally grateful to be able to access She's on
• 6:44
  Speaker 3: the money and everything that goes along with it.
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  Speaker 2: Oh my god, that's so sweet.
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  Speaker 3: I want your giant hug And you know what, Becky
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  Speaker 3: is a giant hugger as I am a giant hugger.
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  Speaker 2: Yeah, as you know. So sweet and congratulations. That is
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  Speaker 2: no easy fee. That's so impressive. I love that. I'm
• 7:01
  Speaker 2: going to go talk to the Zella team now and
• 7:03
  Speaker 2: be like so holy. And she gave us a really
• 7:05
  Speaker 2: good review. Can you just tell her I love her? Yeah, totally, seriously,
• 7:09
  Speaker 2: get us some stweet.
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  Speaker 3: All right, let's get into it a little bit further, Jess,
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  Speaker 3: community money wins.
• 7:14
  Speaker 4: What have we got alrighty, firstly, I've got one from
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  Speaker 4: Alie who said I'm getting married in September and I
• 7:20
  Speaker 4: was trying to get a dress for cheap. I found
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  Speaker 4: a brand new twenty five hundred dollars wedding dress with
• 7:24
  Speaker 4: tags still attached on Marketplace and I only paid seven
• 7:28
  Speaker 4: hundred and seventy five dollars for it. It was the
• 7:31
  Speaker 4: exact dress that I wanted. And this is a huge
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  Speaker 4: saving because we'd budgeted two thousand dollars already for a dress,
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  Speaker 4: so she's in the green and I feel like that
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  Speaker 4: never happens with weddings. Congratulations Ali, and congratulations on your
• 7:43
  Speaker 4: upcoming wedding. Next, I've got a money win from Kerry,
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  Speaker 4: who said she attended the Constant Contact webinar with Victoria
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  Speaker 4: a few weeks ago.
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  Speaker 2: That one was so fun.
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  Speaker 4: It was really fun, and she's just received her free
• 7:54
  Speaker 4: business Bible book in the mail. She said it's a
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  Speaker 4: money win because I was going to buy it anyway
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  Speaker 4: to help start up her date practice.
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  Speaker 2: But she also got a.
• 8:01
  Speaker 4: Free Constant Contact trial for customer emailing systems, so she's
• 8:06
  Speaker 4: very excited. And I was going to say, if anyone
• 8:08
  Speaker 4: couldn't attend that webinar, there is a replay for all
• 8:10
  Speaker 4: of our small business owner put it on YouTube.
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  Speaker 2: Put it.
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  Speaker 3: I feel like you're a small business owner, baby, you're busy.
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  Speaker 3: You probably didn't have time. Yeah, but we recorded it,
• 8:18
  Speaker 3: and Constant Contact to let me put it on the internet,
• 8:20
  Speaker 3: so that was really not really exciting.
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  Speaker 4: We'll pop a link maybe to that in the show
• 8:23
  Speaker 4: notes if you want to check it out. Next, I've
• 8:25
  Speaker 4: got a money win from Kimberly, who said, my husband
• 8:28
  Speaker 4: gave me a bag of too small clothes to drop
• 8:30
  Speaker 4: off at the selvo's bin, and I noticed that they
• 8:32
  Speaker 4: were two old buzzy soccer jerseys in there. I thought
• 8:35
  Speaker 4: they might be worth something, knowing that they were close
• 8:37
  Speaker 4: to a decade old, a little vintage moment. So she
• 8:40
  Speaker 4: put them on eBay for ninety nine cents each and
• 8:42
  Speaker 4: got about ninety five bucks for that. Sorry what she said,
• 8:45
  Speaker 4: not bad for something he was going to throw on
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  Speaker 4: the win. Oh, eBay slept on.
• 8:48
  Speaker 2: I feel like it's not slept on by me. Yeah,
• 8:52
  Speaker 2: I know. I love eBay.
• 8:53
  Speaker 4: You can find yourself some bargains, and also you can
• 8:55
  Speaker 4: sell like I know that. I've seen some people saying
• 8:57
  Speaker 4: it's hard to sell a marketplace and stuff. I feel
• 9:00
  Speaker 4: like eBay branded stuff.
• 9:02
  Speaker 3: And also I like that you can just buy something
• 9:05
  Speaker 3: on eBay and it's yours. I don't have to message
• 9:08
  Speaker 3: the seller and say what are your bank details?
• 9:10
  Speaker 2: Have get cash out? Yeah no, I'm just paying.
• 9:13
  Speaker 3: With PayPal and I am feeling safe and.
• 9:16
  Speaker 2: Shining up at your door. We love so true.
• 9:18
  Speaker 4: Next, I've got money win from Nidia, who said I
• 9:20
  Speaker 4: called the holiday home owner directly for a property that
• 9:23
  Speaker 4: she saw listed on Airbnb. She asked, if they're borrowing
• 9:27
  Speaker 4: is lower and she saved herself eighty bucks over two
• 9:29
  Speaker 4: nights for a cute place on the beach and it
• 9:31
  Speaker 4: was dog friendly so too, fur baby could come with her,
• 9:34
  Speaker 4: so you don't have to spend money on doggy day
• 9:36
  Speaker 4: care either.
• 9:36
  Speaker 2: Love always with Google, I feel like a lot of places.
• 9:40
  Speaker 3: And especially so like my top tip here is if
• 9:44
  Speaker 3: a property is listed on airbbit I'm sorry airbnbb, like
• 9:47
  Speaker 3: we're all just out here for a money win. But
• 9:49
  Speaker 3: if the property is listed on Airbnb and it has
• 9:51
  Speaker 3: a name, Like if the place has a name and
• 9:53
  Speaker 3: it's like, you know, the fancy.
• 9:55
  Speaker 2: Pants Lodge or something, google the name.
• 9:57
  Speaker 3: Totally, like google what they've called the property, because if
• 10:00
  Speaker 3: they've gone to that effort, it probably has its own
• 10:02
  Speaker 3: website or it probably has another listing and you can
• 10:05
  Speaker 3: go direct.
• 10:06
  Speaker 2: Yeah I'm clever anyway, So I tried to do that
• 10:08
  Speaker 2: a little while ago.
• 10:09
  Speaker 3: It went direct and they were like, oh, yep, to
• 10:12
  Speaker 3: book the property, we need a deposit of X, but
• 10:14
  Speaker 3: booking it through Airbnb no deposit. So I was like
• 10:18
  Speaker 3: cats booking it on Airbnb. Yeah, seriously, so check.
• 10:21
  Speaker 2: It before you wreck it.
• 10:25
  Speaker 4: Lastly, this week I got a money in from Amy
• 10:27
  Speaker 4: who said she bought a cute vintage keyhole dresser at
• 10:30
  Speaker 4: a vintage store.
• 10:31
  Speaker 2: Partner's a sweetheart and is picking up on Wednesday for her.
• 10:35
  Speaker 3: I love you too.
• 10:36
  Speaker 2: We love a little vintage finish piece. Yeah, I call me, hey,
• 10:40
  Speaker 2: give me your broke tips.
• 10:41
  Speaker 5: So actually, just quickly while we're on the AIRBB train.
• 10:45
  Speaker 2: Yeah, my partner, this is kind of do you have
• 10:48
  Speaker 2: a girlfriend who would have known?
• 10:51
  Speaker 5: I know I will not shut up about it, but
• 10:55
  Speaker 5: she wanted to say it.
• 10:56
  Speaker 2: I need her.
• 10:57
  Speaker 3: I need beck to talk to my husband ramping up
• 11:00
  Speaker 3: how obsessed he is with me.
• 11:02
  Speaker 2: Yeah, I can do that.
• 11:03
  Speaker 3: You call Steve and you call James and be like,
• 11:05
  Speaker 3: here are the expectations I'm setting because I want what jesscott.
• 11:09
  Speaker 5: I can have an open and closed checklist. Yeah, for
• 11:11
  Speaker 5: breakfast and nights because of it. And then like you know,
• 11:14
  Speaker 5: during the day service sort of thing said to you
• 11:17
  Speaker 5: really do Yeah that is.
• 11:19
  Speaker 2: Really really.
• 11:21
  Speaker 3: We probably should just be in those being relationships.
• 11:25
  Speaker 2: It's kind of nice. I'm gonna say it's kind of nice.
• 11:27
  Speaker 2: It sounds like a dream.
• 11:28
  Speaker 3: And this is this is going to maybe even you know,
• 11:31
  Speaker 3: it's going to annoy us, might annoy you.
• 11:34
  Speaker 5: Jess like very casually mentioned she want to stay in
• 11:36
  Speaker 5: Melbourne Place, which is just like.
• 11:37
  Speaker 2: This hotel and cute.
• 11:39
  Speaker 5: I've never been there, but I had never heard of it.
• 11:41
  Speaker 5: But I was like, okay, cool, we I'll like, you know,
• 11:43
  Speaker 5: surprise it with a little Friday night thing there. But
• 11:45
  Speaker 5: then I went to the I google it, and I
• 11:48
  Speaker 5: went to the actual website. But then I thought, hang
• 11:51
  Speaker 5: on one second, I'm sure I've seen booking dot com,
• 11:53
  Speaker 5: and like, what if in all those places are being
• 11:55
  Speaker 5: shot back it's like eighteen percent this one for this
• 11:57
  Speaker 5: particular day, you're thirty percent back on And I bought
• 12:00
  Speaker 5: it through there, I got.
• 12:01
  Speaker 2: Like thirty dollars or something. Yeah, money, we I mean
• 12:04
  Speaker 2: more than more than three dollars.
• 12:05
  Speaker 5: I remember that, And so make sure you do that
• 12:06
  Speaker 5: first before you show through all these other avenues.
• 12:10
  Speaker 3: I feel like, obviously Jess and I and you we
• 12:13
  Speaker 3: are all obsessed with shop obsessed, but I feel like
• 12:16
  Speaker 3: people are forgetting like it was trendy and now it's
• 12:19
  Speaker 3: just like a part of everyday life. Yeah, forgetting to
• 12:22
  Speaker 3: use it.
• 12:22
  Speaker 5: Please don't please yet forget just don't forget you guys.
• 12:25
  Speaker 3: Like it wasn't trendy, it's actually making you money.
• 12:28
  Speaker 2: Yeah, we love free money.
• 12:30
  Speaker 5: And even if it's like five cents per transaction, it's
• 12:33
  Speaker 5: like from little things, big things grow exactly right. And
• 12:37
  Speaker 5: I'm sorry in evance, I am going to go back
• 12:38
  Speaker 5: to back with the last.
• 12:40
  Speaker 2: That's okay, that's okay. What's your second one? No, actually
• 12:43
  Speaker 2: that wasn't a break tip at all. That was just
• 12:44
  Speaker 2: a freebie. But the first one comes from.
• 12:46
  Speaker 3: That wasn't your broke tip, That was not my brick tap.
• 12:48
  Speaker 2: Oh that's just a hot little hound.
• 12:51
  Speaker 5: So this first one comes from Sam who says that apparently,
• 12:54
  Speaker 5: and I haven't physically fact checked this, but if you
• 12:57
  Speaker 5: buy something from Buddings and it's like under hundred dollars,
• 13:01
  Speaker 5: then if you go in and it's like say, it's
• 13:03
  Speaker 5: like you know, general wear and tear, it's just not
• 13:05
  Speaker 5: working anymore, they will replace it. If it's under one
• 13:08
  Speaker 5: hundred dollars, they just replace it, no questions asked.
• 13:10
  Speaker 2: Such a great policy. I heard they do the same
• 13:12
  Speaker 2: for plants.
• 13:14
  Speaker 3: That is, if you kill plants, my plants dead, and
• 13:18
  Speaker 3: they'll be like oh, here have a new one.
• 13:21
  Speaker 2: That's crazy to me. If you have your receipt.
• 13:23
  Speaker 3: Crazy, I think that's insane because honestly, if you kill
• 13:26
  Speaker 3: a plant, it's usually user error.
• 13:28
  Speaker 2: Yeah.
• 13:29
  Speaker 3: So I don't know why they're giving you another one,
• 13:31
  Speaker 3: because you're probably going to kill that too, But it's
• 13:33
  Speaker 3: nice to know that they are that generous.
• 13:36
  Speaker 5: That's insane. I had no idea. Wow, I have so
• 13:38
  Speaker 5: many plants that are going to take back. This next
• 13:41
  Speaker 5: one comes from Emma, who is maybe a friend of
• 13:46
  Speaker 5: the pod, who.
• 13:47
  Speaker 2: Says that there's going to become an ongoing character. I
• 13:50
  Speaker 2: think so.
• 13:51
  Speaker 3: I think online offline? Yeah, okay, Emma, not the one
• 13:55
  Speaker 3: that we used for every other week. Yes, Tips mentioned
• 13:59
  Speaker 3: that there's a place in Ringwood called Ringwood Repair Cafe. Okay,
• 14:04
  Speaker 3: you you go GeSe off coffee. But also if your
• 14:06
  Speaker 3: shoe is broken, they repair it for free.
• 14:09
  Speaker 2: No they don't.
• 14:10
  Speaker 5: Yes, I mean like maybe just the best of their ability.
• 14:13
  Speaker 5: They're probably not like a fool. I don't that's Gene Noddler.
• 14:16
  Speaker 5: But they repair. That's what I've seen, But I'm sure
• 14:20
  Speaker 5: like they'll do it.
• 14:21
  Speaker 2: Is it everything crazy? It's everything? What?
• 14:25
  Speaker 3: So you just got a broken bracelet? They'll be like, oh,
• 14:28
  Speaker 3: let me have a crack at that.
• 14:29
  Speaker 2: They'll probably have a crack at that.
• 14:30
  Speaker 3: Oh my god, is like going to like a parent's
• 14:32
  Speaker 3: house for a coffee and then they fix it.
• 14:34
  Speaker 2: Yeah. Oh this is so wholesome.
• 14:36
  Speaker 3: You know.
• 14:36
  Speaker 2: It isn't a cue.
• 14:38
  Speaker 4: How people can bring broken items to be fixed by
• 14:40
  Speaker 4: expert repairers.
• 14:42
  Speaker 2: Expert repairers. I love this.
• 14:45
  Speaker 3: It's giving Men's Shared vibes. So my husband's grandpa is
• 14:50
  Speaker 3: involved in the Men's Shared and like people in his
• 14:52
  Speaker 3: local community drop off broken pieces of furniture or whatever
• 14:55
  Speaker 3: and they fix it for free.
• 14:57
  Speaker 2: Oh that's so it's the most wholesome. We need community. Yeah,
• 15:02
  Speaker 2: I'm all for the I.
• 15:04
  Speaker 3: Was talking about community the other day and the most
• 15:06
  Speaker 3: important part of community. I feel like we all say, oh,
• 15:09
  Speaker 3: there's no community anymore. There is if you choose to
• 15:12
  Speaker 3: get out in it. Like, if you're choosing to actively
• 15:15
  Speaker 3: get out in the community, you're gonna find it. You
• 15:17
  Speaker 3: can't just sit in your house and expect community to happen, Like, you've.
• 15:21
  Speaker 2: Got to go out.
• 15:22
  Speaker 3: You've got to be present, you've got to be giving.
• 15:24
  Speaker 3: I think that to create good community, you've got to
• 15:27
  Speaker 3: be one of those people that gives more than you
• 15:29
  Speaker 3: expect back.
• 15:30
  Speaker 2: Yeah, it's there. It's there, It's absolutely there.
• 15:32
  Speaker 3: And I've only really been tapping into that, i would say,
• 15:36
  Speaker 3: in the last twelve months since having a baby, because
• 15:40
  Speaker 3: it's been the first time that I've actively engaged with
• 15:43
  Speaker 3: like my community center, that I'm actively going to the library,
• 15:48
  Speaker 3: that I'm actively going out to mother's group like that,
• 15:52
  Speaker 3: I'm realizing this community thing.
• 15:54
  Speaker 2: Yeah, oh yeah, I like it here.
• 15:55
  Speaker 3: Oh yeah, I like it here, Like I just anyway,
• 15:58
  Speaker 3: I think it is very whole. And now I've got
• 16:00
  Speaker 3: like little group chat and we're.
• 16:02
  Speaker 2: All like, oh ha, someone got this. I'm looking for X.
• 16:05
  Speaker 2: We do, We've got you, We've got that in Brunswick.
• 16:07
  Speaker 2: I don't want to be I don't want to be there.
• 16:08
  Speaker 2: I don't feel better at it than we are.
• 16:10
  Speaker 5: A good car network where you just put in what
• 16:13
  Speaker 5: is key is?
• 16:15
  Speaker 2: It just feels good. It's so good. And then my
• 16:18
  Speaker 2: broke tip very swimar to my.
• 16:20
  Speaker 5: First freebie is that if you The other day, I
• 16:23
  Speaker 5: was like going to get door Dash and I was like,
• 16:25
  Speaker 5: I'm sure, I'm sure there's a way I can do
• 16:26
  Speaker 5: this smart And then I put all these things in
• 16:29
  Speaker 5: my cart it came to like thirty five dollars.
• 16:31
  Speaker 2: Yeah, and I went on shop back.
• 16:33
  Speaker 5: I bought a DoorDash gift card thirty dollars and.
• 16:37
  Speaker 2: Just use that.
• 16:38
  Speaker 3: I got like five bucks. This woman is a gaming
• 16:41
  Speaker 3: shop back. Yeah, I'll sas to shop back. I love it.
• 16:45
  Speaker 3: Free money for everyone. All right, let's go to a
• 16:47
  Speaker 3: really quick break on the flip side. We're going to
• 16:49
  Speaker 3: be talking about whether you should buy gold bullion or not,
• 16:53
  Speaker 3: which I think is a very interesting question and something
• 16:56
  Speaker 3: that you.
• 16:57
  Speaker 2: Slid into our d MS about.
• 16:58
  Speaker 3: This week, we're talking about whether you should delay a
• 17:00
  Speaker 3: work opportunity because you're planning on having kids, so don't
• 17:05
  Speaker 3: go anywhere.
• 17:10
  Speaker 2: Welcome back, everybody.
• 17:11
  Speaker 4: Let's take a listen to this week's money dilemma.
• 17:15
  Speaker 3: Hi, there, have you got a money dilemma you just
• 17:18
  Speaker 3: can't solve? The She's on the Money team is here
• 17:20
  Speaker 3: to help. Every week we tackle your dilemmas, both big
• 17:24
  Speaker 3: and small, to answer your most burning money, career and
• 17:26
  Speaker 3: life questions. To get involved, simply head to our website
• 17:30
  Speaker 3: and leave us a short voice recording and you might
• 17:32
  Speaker 3: just find yourself on the show. Now, let's take a
• 17:34
  Speaker 3: listen to this week's money dilemma.
• 17:38
  Speaker 6: Hi Victoria, I've been following your podcast and reading all
• 17:42
  Speaker 6: your books. I love all your content. One thing missing
• 17:45
  Speaker 6: from your books, and wondering if you had any advice
• 17:49
  Speaker 6: on purchasing gold billions. I hope I pronounced that right. Yeah.
• 17:54
  Speaker 6: I'm just doing some research at the moment, and I'm
• 17:58
  Speaker 6: playing the share market game, which has been super fun
• 18:02
  Speaker 6: and educational, just to get my head around dipping my
• 18:06
  Speaker 6: toe in the market. But I've yeah, just want some
• 18:09
  Speaker 6: advice on your thoughts on buying gold and storing gold.
• 18:13
  Speaker 6: Thank you.
• 18:14
  Speaker 2: By Oh, this is interesting. There's a lot of conversation.
• 18:17
  Speaker 3: Going on in our community at the moment about bullion,
• 18:19
  Speaker 3: which I'm sorry to correct you. It's bullion, but it's
• 18:23
  Speaker 3: because gold prices have increased significantly recently, and you will
• 18:29
  Speaker 3: often see in times of economic uncertainty, things like gold
• 18:34
  Speaker 3: increase in value because they are physical assets and they
• 18:37
  Speaker 3: make people feel comfortable.
• 18:39
  Speaker 2: Right, So you go, oh, I'll put.
• 18:40
  Speaker 3: My money in gold because it's I can touch it,
• 18:42
  Speaker 3: I can taste it, I can see it, I can
• 18:44
  Speaker 3: hold it. Right, It's like a physical asset, and physical
• 18:46
  Speaker 3: assets during terms of economic turmoil.
• 18:49
  Speaker 2: Do well, what are.
• 18:50
  Speaker 3: Your thoughts before we get there, Jess, have you thought
• 18:53
  Speaker 3: about gold?
• 18:54
  Speaker 2: Is that something you want to purchase?
• 18:56
  Speaker 4: If so, why we did a blog post a few
• 18:58
  Speaker 4: years on gold.
• 19:00
  Speaker 2: It's something I've considered.
• 19:01
  Speaker 4: I know that it's attractive for countries with a weaker dollar,
• 19:05
  Speaker 4: ycause I'm excited. I'm like, oh girl, you know, yeah,
• 19:10
  Speaker 4: like the countries where their currency maybe doesn't hold up
• 19:13
  Speaker 4: or it's quite unstable.
• 19:14
  Speaker 2: I think pla hedging. That's exactly what I meant. Yep,
• 19:18
  Speaker 2: that's exactly really where I was going with that.
• 19:22
  Speaker 4: But yeah, I know, like I know that that's the case.
• 19:23
  Speaker 3: For me.
• 19:24
  Speaker 4: It's not something I've invested in. It just seems a
• 19:26
  Speaker 4: bit tedious because you store it.
• 19:28
  Speaker 2: I don't know. I was just kind of like, what
• 19:31
  Speaker 2: the hell is going on?
• 19:33
  Speaker 4: It's actually really quite very little gold.
• 19:42
  Speaker 2: It's no like a picture of a bar.
• 19:45
  Speaker 3: So when people say they're buying gold, they're not just
• 19:48
  Speaker 3: like investing on the share market. You will go to
• 19:51
  Speaker 3: a company that issues goal really purchase gold from them,
• 19:55
  Speaker 3: and more often than not, you'll also pay them a
• 19:57
  Speaker 3: storage fee to hold onto and look after your gold.
• 20:01
  Speaker 3: Oh so, like some people might buy a bar of
• 20:03
  Speaker 3: gold bullion and you can buy them in lots of
• 20:05
  Speaker 3: different weights, so you could buy like ten grams or
• 20:08
  Speaker 3: one hundred grams or whatever of gold.
• 20:10
  Speaker 2: You're literally buying goal resource.
• 20:13
  Speaker 3: It's giving games night, it's giving I am playing Katan
• 20:17
  Speaker 3: and it's a resource that I've purchased.
• 20:19
  Speaker 2: Wow. But you're buying this asset and you can store it.
• 20:22
  Speaker 3: Some people keep them at home, some people keep them
• 20:24
  Speaker 3: in a safe some people keep them at a company
• 20:27
  Speaker 3: that stores gold. You could have a safety deposit box.
• 20:30
  Speaker 3: Like lots of people just buy this physical asset and
• 20:32
  Speaker 3: hold it. And the reason that people do it is
• 20:37
  Speaker 3: gold historically has held up during times of economic turmoil,
• 20:42
  Speaker 3: as I said before, but it usually holds its value
• 20:45
  Speaker 3: during cost of living crisises, making it relatively safe during
• 20:50
  Speaker 3: uncertain times. It's seen as as Jess was saying, a
• 20:53
  Speaker 3: lot stronger. So in countries where their dollars not as
• 20:57
  Speaker 3: strong or their government's not as strong, people hold gold
• 21:01
  Speaker 3: because it's stable and often, like gold will slowly increase
• 21:06
  Speaker 3: over time, it'll increase and that feels really safe. I
• 21:10
  Speaker 3: mean a lot of people might be looking at gold
• 21:12
  Speaker 3: at the moment because it's in the news a little
• 21:14
  Speaker 3: bit like when an asset increases in price, you know,
• 21:18
  Speaker 3: the news picks up on it and then like gold's
• 21:20
  Speaker 3: up and you're like, oh gold, I haven't thought about gold,
• 21:23
  Speaker 3: but it could play into your diversifications. So it behaves
• 21:27
  Speaker 3: very differently from shares and property, which can obviously not obviously,
• 21:32
  Speaker 3: but it can help reduce the overall risk of your
• 21:36
  Speaker 3: portfolio because it gives a little bit more stability. As
• 21:38
  Speaker 3: I said before, it's a tangible asset on like an
• 21:41
  Speaker 3: ETF or a share, like you can hold it like
• 21:43
  Speaker 3: beg you could go to the place that issues it
• 21:45
  Speaker 3: and you can.
• 21:45
  Speaker 2: Hold your gold bart ver you can.
• 21:48
  Speaker 3: There's no counterparty risk, so gold doesn't actually rely when
• 21:52
  Speaker 3: I say counterparty risk, like it doesn't rely on a company,
• 21:57
  Speaker 3: Like it doesn't rely on a company's performance or a
• 22:01
  Speaker 3: bank's solvency or you know, a CEO getting involved in
• 22:06
  Speaker 3: a scandal.
• 22:06
  Speaker 2: Yeah, it's an asset, full stopper. End of story.
• 22:10
  Speaker 3: And there's as Jess was saying before about the global
• 22:13
  Speaker 3: thing about you know, currency risk, there's actually global demand
• 22:17
  Speaker 3: for gold, so like it's recognized and valued all across
• 22:21
  Speaker 3: the world, and it has been for years, Like what
• 22:23
  Speaker 3: did pirates trade in gold coins? So it's very easy
• 22:28
  Speaker 3: to liquidate, i e. Sell if you need to get
• 22:31
  Speaker 3: the cash, which is.
• 22:32
  Speaker 2: Good to know.
• 22:33
  Speaker 3: What does that actually mean though, because a lot of
• 22:35
  Speaker 3: people are going to go v And this person who
• 22:39
  Speaker 3: wrote in Fantastic she said, I missed it. You're right,
• 22:42
  Speaker 3: probably should have touched on it. But it's not an
• 22:45
  Speaker 3: asset I love. So for me when I wrote my
• 22:48
  Speaker 3: books and for me when I talk to you guys
• 22:50
  Speaker 3: about wealth creation, I want growth and long term wealth building.
• 22:56
  Speaker 3: And if that's your focus and that's your plan, shares
• 23:01
  Speaker 3: and ETFs might be a better option than gold because.
• 23:05
  Speaker 2: Shares have income potential.
• 23:06
  Speaker 3: Shares can pay dividends, giving you regular passive income.
• 23:09
  Speaker 2: Gold can't do that.
• 23:10
  Speaker 3: Capital growth, So over time, the share market has historically
• 23:13
  Speaker 3: delivered better performance than gold. Ownership is one so like
• 23:19
  Speaker 3: when you buy shares, you're actually buying a very small
• 23:21
  Speaker 3: portion of a business, not just an asset that you
• 23:24
  Speaker 3: hold liquidity. So yes, you can sell your gold, but
• 23:28
  Speaker 3: it does take a lot longer to sell your gold,
• 23:32
  Speaker 3: and there are higher transaction costs on selling gold because
• 23:35
  Speaker 3: brokers get involved. Then you just hitting dispose of your
• 23:39
  Speaker 3: assets and then compound returns. So like reinvested dividends, create
• 23:44
  Speaker 3: more market growth, create a bigger, stronger portfolio. So if
• 23:48
  Speaker 3: we compared like gold and shares, like the purpose for me,
• 23:54
  Speaker 3: gold stores value and that's why Jess's point of like,
• 23:58
  Speaker 3: you know, currency is essentially going all right, well when
• 24:02
  Speaker 3: the market is not doing well, at least I have
• 24:04
  Speaker 3: gold and it's holding its value. Whereas shares, I would
• 24:07
  Speaker 3: say their purpose is wealth creation returns. Historically, gold doesn't
• 24:12
  Speaker 3: have very high returns, doesn't give you any income, low
• 24:16
  Speaker 3: returns in terms of growth. Shares high long term returns
• 24:19
  Speaker 3: and also you get some dividends. Risk Obviously gold is
• 24:22
  Speaker 3: lower risk. Shares are higher risk, but with higher risk
• 24:25
  Speaker 3: comes higher reward. I talked about liquidity and then growth
• 24:29
  Speaker 3: in portfolio, so that if we talk about your portfolio,
• 24:32
  Speaker 3: the reason you would hold gold is because you want
• 24:35
  Speaker 3: it to be a little bit more defensive, a little
• 24:37
  Speaker 3: bit more solid. You want the returns to be consistent,
• 24:41
  Speaker 3: and that is usually aligned with a more conservative investor
• 24:45
  Speaker 3: or an investor at the end of their investing life cycle.
• 24:49
  Speaker 3: On the flip side, shares and like our podcast, I
• 24:52
  Speaker 3: would say resonates with younger women, women who are working
• 24:56
  Speaker 3: full time. You're probably looking for growth, looking to generate
• 25:01
  Speaker 3: wealth over the long term and put yourself in a
• 25:04
  Speaker 3: better financial position. So gold can I would say, protect
• 25:08
  Speaker 3: your wealth, so it can protect your wealth over a
• 25:11
  Speaker 3: long period of time. I would say, on the flip side,
• 25:14
  Speaker 3: shares build your wealth. So are you trying to protect
• 25:16
  Speaker 3: your wealth or are you trying to build your wealth?
• 25:18
  Speaker 3: Is the question here, And a balanced portfolio actually might
• 25:21
  Speaker 3: include both. But you need to look at your goals
• 25:24
  Speaker 3: and then decide on which one makes the most sense
• 25:28
  Speaker 3: for you. So for me, it's very here there, they're
• 25:32
  Speaker 3: very very different assets. Gold, I would say, is incredibly conservative.
• 25:36
  Speaker 3: Shares your about growth.
• 25:38
  Speaker 4: What I'm here is I could buy myself some gold
• 25:39
  Speaker 4: jewelry and consider it an investment.
• 25:42
  Speaker 3: You do have to remember, though, when you buy gold,
• 25:44
  Speaker 3: you're often buying twenty four carrot gold. It's pure, and
• 25:47
  Speaker 3: when you buy like a bracelet or whatever, it might
• 25:50
  Speaker 3: be ten carrot or fourteen carrot and it's mixed. So yeah,
• 25:53
  Speaker 3: you can buy gold, just buy really good gold.
• 25:58
  Speaker 2: This is crazy, Cavely, It's the thing I like a cartoon. Yes,
• 26:02
  Speaker 2: it really does.
• 26:04
  Speaker 3: So you're saying that my braceletter that I'm wearing right
• 26:07
  Speaker 3: now is just going to increase in value, but only
• 26:09
  Speaker 3: if I melt it down, and we don't take into
• 26:11
  Speaker 3: consideration that the brand of it absolutely overpriced it.
• 26:15
  Speaker 2: You can melt it. You can melt it and completely reusable. Wow.
• 26:20
  Speaker 3: So if if you did have a twenty four carrot,
• 26:23
  Speaker 3: even twenty four carrot, it can be melted down and separated.
• 26:26
  Speaker 5: Oh my, yeah, this is so cool.
• 26:30
  Speaker 2: Maybe O blog post.
• 26:31
  Speaker 4: I didn't go into all of that, and it's a
• 26:32
  Speaker 4: couple of years old, but it might be be a
• 26:34
  Speaker 4: helpful for people to child.
• 26:36
  Speaker 3: Actually hasn't changed, so that blog post is still valid.
• 26:39
  Speaker 3: Would you like to talk about this week's DM guys?
• 26:42
  Speaker 2: Yes, I know you're ready. I know you're ready because
• 26:44
  Speaker 2: I live for gossip. All right, Hi, she's on the
• 26:47
  Speaker 2: Money Crew.
• 26:48
  Speaker 3: I have a money dilemma which has been weighing really
• 26:51
  Speaker 3: heavily on me over the last few weeks. I've recently
• 26:54
  Speaker 3: been offered a training position at work that I've been
• 26:56
  Speaker 3: hoping for ever since I started my degree. It's my
• 26:59
  Speaker 3: dream job and to get offered training so early in
• 27:02
  Speaker 3: my career is an absolute blessing. However, I've also recently
• 27:06
  Speaker 3: gotten married and we've been talking about trying to start
• 27:09
  Speaker 3: a family soon. I feel like I'm now stuck between
• 27:11
  Speaker 3: making a choice between my career and my family. I
• 27:14
  Speaker 3: don't know if I should be taking the training position,
• 27:17
  Speaker 3: which would be two years full time for the qualification
• 27:20
  Speaker 3: and risk getting pregnant in the middle of it, or
• 27:23
  Speaker 3: if I should decline and risk missing out on the opportunity.
• 27:26
  Speaker 2: I've been having so.
• 27:27
  Speaker 3: Much uncertainty and anxiety around something that I've wanted so badly.
• 27:31
  Speaker 3: Any advice would be greatly appreciated.
• 27:34
  Speaker 2: I really, really.
• 27:35
  Speaker 5: Really think that you should be following your career dreams
• 27:40
  Speaker 5: and goals because I want everyone to watch Have you
• 27:45
  Speaker 5: guys heard of Night Bitch?
• 27:47
  Speaker 2: No, it's with any recommendation you make.
• 27:50
  Speaker 5: I mean, okay, I think that our listener should watch
• 27:52
  Speaker 5: this before because I really do think. I just don't
• 27:56
  Speaker 5: want you to get into a place where you're, like,
• 27:58
  Speaker 5: I don't know, like you've had child. You are happy, obviously,
• 28:01
  Speaker 5: like you know, you love your children and they bring
• 28:03
  Speaker 5: you so much. But I just fear that like a
• 28:06
  Speaker 5: lot of people do kind of like lose themselves once
• 28:09
  Speaker 5: they have a child, and they're like their identity and
• 28:11
  Speaker 5: like it's so much more work, Like it's so much
• 28:13
  Speaker 5: more consuming than we ever realize.
• 28:15
  Speaker 2: And so I feel like, first.
• 28:17
  Speaker 5: Of all, having that conversation with your partner whoever you're
• 28:19
  Speaker 5: having a child with. And some people have a child
• 28:21
  Speaker 5: on their own, and some people do it with multiple people.
• 28:24
  Speaker 5: But I think that if you have a conversation, you
• 28:26
  Speaker 5: really really are sure of all the expectations, You're like
• 28:29
  Speaker 5: thinking about every aspect of every single day. That is
• 28:33
  Speaker 5: really important because you don't want to get to a
• 28:34
  Speaker 5: place where like you're having a child with someone and
• 28:37
  Speaker 5: then you realize that the load is really not very equal,
• 28:41
  Speaker 5: and you just buy default, go into this stay at
• 28:43
  Speaker 5: home parenting role, and then you buy default, give up
• 28:46
  Speaker 5: all your hopes and dreams, and then before you know it,
• 28:48
  Speaker 5: ten years have passed and you're like people are like, hey,
• 28:51
  Speaker 5: what do you do for work? And you're like, oh,
• 28:52
  Speaker 5: I used to be and then you're like, no, I
• 28:55
  Speaker 5: was that. I was a lawyer. Now I'm a mum.
• 29:00
  Speaker 5: It's great as well, but you just don't want to
• 29:01
  Speaker 5: lose yourself. You don't want lose your identity. Keep following
• 29:03
  Speaker 5: your dreams. If something happens, if you're feel pregnant, you
• 29:07
  Speaker 5: must have that conversation about distributing the load. So that
• 29:11
  Speaker 5: you don't lose yourself, your partner doesn't lose themselves. Everyone's happy.
• 29:15
  Speaker 5: Just don't give it up, don't give up your dreams.
• 29:16
  Speaker 5: Watch Night Bitch's make.
• 29:19
  Speaker 2: It take away, right, I'm going to watch Night Bitch? Please? Yes?
• 29:22
  Speaker 2: What are your thoughts on this?
• 29:23
  Speaker 4: I think you need to decide, like do you want
• 29:26
  Speaker 4: to have a kid in the next two years or not?
• 29:27
  Speaker 4: Like you've kind of said, oh, I've gotten married, we're
• 29:29
  Speaker 4: thinking about it. And I know that you can't always plan,
• 29:32
  Speaker 4: like it's not a perfect world, but like you can
• 29:35
  Speaker 4: definitely go is the plan to have a kid in
• 29:37
  Speaker 4: the next two years or not? Because I think this
• 29:40
  Speaker 4: is more than just taking on a job, like you're
• 29:42
  Speaker 4: taking on a level of education, and to me, it
• 29:46
  Speaker 4: feels a little bit wasteful almost of both your time
• 29:50
  Speaker 4: and the resources of the company that I'm assuming would
• 29:52
  Speaker 4: be paying for you to do this training, whatever that is,
• 29:56
  Speaker 4: if you were to get halfway through, for example, and
• 29:59
  Speaker 4: then drop out. With that being said, I would also
• 30:02
  Speaker 4: look into, well, is it something I could put on pause?
• 30:05
  Speaker 4: It's hard because we don't know what the training is,
• 30:07
  Speaker 4: but like, could I do if say I got halfway
• 30:09
  Speaker 4: through my training and felt pregnant and when on maternity.
• 30:11
  Speaker 2: Lead, why can't I come back to it?
• 30:12
  Speaker 4: Can I pick the training back up? But I know
• 30:14
  Speaker 4: that sometimes with these things, like you, there's like a
• 30:17
  Speaker 4: time limit on it, So I would just look into
• 30:19
  Speaker 4: that to know your options.
• 30:21
  Speaker 2: But I think that, like, if you're.
• 30:22
  Speaker 4: Going to have a child, that's probably something that you
• 30:24
  Speaker 4: do need to be planning for regardless, So it might
• 30:27
  Speaker 4: be helpful for you to solidify what those plans ideally
• 30:31
  Speaker 4: look like, because we also know that getting pregnant is
• 30:33
  Speaker 4: not linear and the best laid plans can go awry. Yeah,
• 30:37
  Speaker 4: Like I wouldn't say that it's really our place to
• 30:40
  Speaker 4: tell you yes or no. I think it's really something
• 30:42
  Speaker 4: you've got to look at within yourself because I, as
• 30:45
  Speaker 4: you said back, I don't want you to put your
• 30:48
  Speaker 4: dream job on hold, And just because you're going to
• 30:51
  Speaker 4: have a child doesn't mean that you're not going to
• 30:53
  Speaker 4: then want to come back to that dream career. And
• 30:55
  Speaker 4: it would be unfortunate to give up an opportunity.
• 30:57
  Speaker 2: But I think you just need to weigh up what
• 30:59
  Speaker 2: you want.
• 31:00
  Speaker 4: It's a classic thing you can have everything you want,
• 31:02
  Speaker 4: but not at once. Yeah, And I do think like
• 31:05
  Speaker 4: as much as I know that we say all the time,
• 31:08
  Speaker 4: like your workplace wouldn't hesitate to replace you, da da da.
• 31:12
  Speaker 4: I do think like there's some level of consideration ode
• 31:15
  Speaker 4: to them if they're going to be footing the bill
• 31:18
  Speaker 4: for you to do whatever this training is and putting
• 31:20
  Speaker 4: that time and that resourcing into you. If you know
• 31:24
  Speaker 4: for a fact that in twelve months, if you can
• 31:26
  Speaker 4: be pregnant, you would want to be pregnant.
• 31:28
  Speaker 2: Does that make sense? Yeah, that makes sense. Can I
• 31:30
  Speaker 2: bring the mood down? Yeah?
• 31:33
  Speaker 3: So I look at this and I just go do
• 31:35
  Speaker 3: the course, do it, sign up for it, you get
• 31:37
  Speaker 3: it done. I would have spent a lot of time
• 31:40
  Speaker 3: in limbo if I had put my life on hold
• 31:44
  Speaker 3: and my career on hold because I wanted to have
• 31:48
  Speaker 3: a baby. And when I said I want to bring
• 31:50
  Speaker 3: the mood down. I found pregnancy hard. But I found
• 31:56
  Speaker 3: it extra hard because I had two pregnancies before I
• 31:58
  Speaker 3: had Harvey that I lot lost.
• 32:00
  Speaker 2: And one thing that made.
• 32:03
  Speaker 3: Everything, I think a lot easier was having my career,
• 32:07
  Speaker 3: having things in the background that I was looking forward to,
• 32:10
  Speaker 3: being able to get out of bed and go to
• 32:12
  Speaker 3: work and still do the podcast and work on the
• 32:14
  Speaker 3: online courses, and none of that was on hold because
• 32:17
  Speaker 3: of Victoria's planning on having a baby at some point
• 32:20
  Speaker 3: and so therefore we need to pull back.
• 32:23
  Speaker 2: I think at that point in.
• 32:24
  Speaker 3: Time, I was so appreciative that, like we weren't like
• 32:29
  Speaker 3: planning to take time off because you just never know
• 32:32
  Speaker 3: how long that's going to take. Like you could get
• 32:35
  Speaker 3: pregnant first, go slay.
• 32:37
  Speaker 2: Do you know what?
• 32:37
  Speaker 3: I don't think you owe anything to your employer. I
• 32:40
  Speaker 3: would be really upset if I found that someone in
• 32:43
  Speaker 3: my team was prioritizing my business over their ability to
• 32:46
  Speaker 3: have a baby, because that is so hard. Like for
• 32:50
  Speaker 3: some people they start the journey bam, pregnant real quick, congrats.
• 32:54
  Speaker 3: For some it takes literal years. And the idea that
• 32:57
  Speaker 3: you would have then put your career on hold visits
• 33:01
  Speaker 3: thing that wasn't eventuating, and your.
• 33:02
  Speaker 2: Whole life becomes paused. Like, don't do that to yourself.
• 33:07
  Speaker 3: I would prefer you to have to go to your
• 33:09
  Speaker 3: employer because it's none of their business how you got pregnant.
• 33:12
  Speaker 2: Was it an accident?
• 33:14
  Speaker 3: Like people get pregnant by accident all the time, Like
• 33:17
  Speaker 3: we don't have to say, yeah, actually I took up
• 33:20
  Speaker 3: your training, and then my husband and I actively started
• 33:23
  Speaker 3: trying to conceive a baby so that I could pull
• 33:26
  Speaker 3: out of this training that you put me in.
• 33:27
  Speaker 2: We're not going to put it that way. You go,
• 33:29
  Speaker 2: oh my goodness, what a blessing found out I was pregnant.
• 33:32
  Speaker 3: Let's deal with that then, because I can almost guarantee
• 33:36
  Speaker 3: this can be put on pause. Like, if you're planning
• 33:39
  Speaker 3: next year trying for a baby, You've got twelve months
• 33:42
  Speaker 3: in this training. It then takes nine months to make
• 33:45
  Speaker 3: a baby. You're most of the way there. That's like,
• 33:49
  Speaker 3: can you continue the training without full time employment?
• 33:52
  Speaker 2: Maybe it's something you could polish off on matt leave.
• 33:54
  Speaker 3: I'm not saying that everyone could do that, because Matt
• 33:56
  Speaker 3: Lee for everybody is very different, but like, we can work.
• 33:59
  Speaker 2: It out, and I'm very much.
• 34:02
  Speaker 3: Look, let's just go with the flow kind of girly,
• 34:05
  Speaker 3: because pregnancy is not something that is, as you were saying,
• 34:09
  Speaker 3: linear or easy, and you can't guarantee that, yeah, I'm
• 34:12
  Speaker 3: going to have this super straightforward pregnancy. Do you know what,
• 34:15
  Speaker 3: you might get to the end of the training. Let's
• 34:17
  Speaker 3: pretend it takes you a bit to get pregnant. You've
• 34:19
  Speaker 3: agreed to the training you do, all the training, you have,
• 34:22
  Speaker 3: your dream job, you have your baby, everything's looking up Millhouse.
• 34:27
  Speaker 3: You then go, I never want to return to work again.
• 34:30
  Speaker 3: I love being a stay at home mum. Wow, what
• 34:33
  Speaker 3: an opportunity that you have the choice, like, I just
• 34:36
  Speaker 3: want you to have choice. And by putting it on
• 34:39
  Speaker 3: hold or on ice because you're so worried about impacting
• 34:43
  Speaker 3: other people, is not putting yourself first. Yeah, put yourself first,
• 34:46
  Speaker 3: be a little bit, and it's not selfish, but feel selfish.
• 34:49
  Speaker 2: I don't mind.
• 34:50
  Speaker 3: I think it is fantastic what everyone else think. Everyone
• 34:53
  Speaker 3: else had a lot of different opinions, So we first
• 34:56
  Speaker 3: asked you guys a few questions. We said, what will
• 34:58
  Speaker 3: you do if you were our community member. Forty one
• 35:01
  Speaker 3: percent of you said, take the dream role jobs, do
• 35:03
  Speaker 3: not wait, Five percent said hold off for your family plans,
• 35:07
  Speaker 3: and fifty two percent said try to do both and
• 35:10
  Speaker 3: see what happens. Two percent of you said too hard
• 35:13
  Speaker 3: to decide. We then asked, should women factor in potential
• 35:17
  Speaker 3: pregnancy when accepting a high commitment role, even if it's
• 35:21
  Speaker 3: just a maybe. Thirty five percent said yeah, it's being realistic.
• 35:25
  Speaker 3: Fifty six percent said no, it shouldn't be a factor,
• 35:28
  Speaker 3: and nine percent said, I've made decisions based on this before.
• 35:32
  Speaker 3: I'd love that, And I like that I've made decisions
• 35:35
  Speaker 3: based on this before because you can really only talk
• 35:37
  Speaker 3: about it when you're in it, Like parenting, like as
• 35:40
  Speaker 3: a parent is so much different to what you think
• 35:42
  Speaker 3: it's going to be. You go, okay, cool, Like how
• 35:44
  Speaker 3: am I going to You're thinking so much about the juggle?
• 35:46
  Speaker 3: You're like, how am I going to do this? Like
• 35:48
  Speaker 3: what will we do for daycare? What will we do
• 35:50
  Speaker 3: for child reading? How will I return to my career?
• 35:53
  Speaker 3: I promise you it flows a lot easier than you
• 35:56
  Speaker 3: think it's going to, don't get me wrong, Like there
• 35:58
  Speaker 3: is the juggle, but like your lifestyle changes so dramatically
• 36:03
  Speaker 3: that like it just becomes part of the new normal.
• 36:06
  Speaker 3: Like I'm not thinking about my career and all of
• 36:08
  Speaker 3: my girlfriends, and like the girls that I know in
• 36:10
  Speaker 3: Mothers Group, we're not like, oh, it's linear and you
• 36:14
  Speaker 3: have to stop your career here to start here. Like
• 36:17
  Speaker 3: I think we need to just be talking about this
• 36:19
  Speaker 3: and working out how we can continue and how we
• 36:21
  Speaker 3: can keep having these conversations, because it's putting you in
• 36:24
  Speaker 3: the best possible position. So we said, what's your two cents?
• 36:28
  Speaker 3: First person said, I fact it in pregnancy. If considering
• 36:31
  Speaker 3: changing jobs because I needed security and stability, that's a
• 36:35
  Speaker 3: different story than taking training though. Yeah, and like that
• 36:37
  Speaker 3: goes back to what I was saying before. I've got
• 36:39
  Speaker 3: girlfriends who are like, do I move because I want
• 36:41
  Speaker 3: another baby? But like a new maternity leave policy would
• 36:44
  Speaker 3: mean I have to be at a location for a
• 36:46
  Speaker 3: certain amount of time before I get access to the
• 36:49
  Speaker 3: maternity leave, Like do I want to wait that long
• 36:51
  Speaker 3: for a baby? Do I want to have a baby?
• 36:53
  Speaker 3: And state this company like it's a juggle in that case,
• 36:57
  Speaker 3: we are actually thinking about it. The next person and
• 37:00
  Speaker 3: said it sucks we have to choose between career and pregnancy.
• 37:03
  Speaker 4: Yeah, when you were talking about it before, I was
• 37:05
  Speaker 4: just thinking I hadn't when I gave my response, like
• 37:08
  Speaker 4: I really hadn't even considered, which is very naive, like
• 37:10
  Speaker 4: the gendered lens and the fact that.
• 37:12
  Speaker 2: My husband didn't have to do this.
• 37:14
  Speaker 4: Well, Yeah, and I mean it depends as well on
• 37:16
  Speaker 4: whether or not our listener, we don't know if they
• 37:18
  Speaker 4: plan on being the primary caregiver, what that looks like. Yeah,
• 37:21
  Speaker 4: that would all factor in, but it just, yeah, it
• 37:24
  Speaker 4: didn't even come into my brain. And I was like,
• 37:25
  Speaker 4: how awful that that is something that weighs so heavily
• 37:28
  Speaker 4: on a lot of us.
• 37:29
  Speaker 3: So that plays into the next response. Someone said, there's
• 37:33
  Speaker 3: actually no right or wrong answer as long as the
• 37:35
  Speaker 3: choice is yours. I agree, yes, which I couldn't agree more.
• 37:41
  Speaker 3: Someone else said, you can always leave a job if
• 37:43
  Speaker 3: it doesn't work out, but you don't want fear to
• 37:45
  Speaker 3: hold you back. Next person said starting a family shouldn't
• 37:49
  Speaker 3: compromise your career goals.
• 37:50
  Speaker 2: There's always a way forward.
• 37:52
  Speaker 3: I agree with that, Like, I just think, work out
• 37:55
  Speaker 3: your career, dive headfirst into that because do you know
• 37:58
  Speaker 3: what some people like me, I got really sick. Yeah,
• 38:02
  Speaker 3: for the first twelve weeks of three friggin' pregnancies.
• 38:06
  Speaker 2: Be for real? That should be illegal.
• 38:08
  Speaker 3: Yeah, Like I shouldn't have to go through the first
• 38:10
  Speaker 3: trimester three times. I had h I got diagnosed. I'm
• 38:14
  Speaker 3: not just saying I had HG, but I got diagnosed
• 38:16
  Speaker 3: with HG, which is a severe form of morning sickness. Right,
• 38:20
  Speaker 3: I didn't know I was going to get that. Like
• 38:22
  Speaker 3: I thought that I was going to glide through and
• 38:25
  Speaker 3: at maybe eight months we'd wind down.
• 38:27
  Speaker 2: No, like my whole entire life went into a spin.
• 38:31
  Speaker 3: Someone else said, take the role, work for twelve months,
• 38:34
  Speaker 3: and then start trying in the second year. Another person said,
• 38:37
  Speaker 3: I gave up opportunities for potential pregnancy and then had
• 38:40
  Speaker 3: fertility issues.
• 38:41
  Speaker 2: Just take the job. Yeah, And another person said, and
• 38:45
  Speaker 2: this plays into Jess and is a perfect way to
• 38:47
  Speaker 2: wrap it.
• 38:48
  Speaker 3: Men wouldn't worry about this, so why are we yeah,
• 38:52
  Speaker 3: which is so true. They'd be like, why are we
• 38:54
  Speaker 3: talking about this? Just take the job today and we'll
• 38:56
  Speaker 3: work it out later.
• 38:58
  Speaker 2: Do it? Do it? Just do it all right?
• 38:59
  Speaker 3: Well, it has been lovely my friends, have a beautiful weekend.
• 39:03
  Speaker 3: And on the flip side, I will see you on Monday,
• 39:05
  Speaker 3: bright and early for a money doughy.
• 39:06
  Speaker 2: Gorgeous bie guys.
• 39:07
  Speaker 5: Bye.
• 39:14
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• 39:16
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• 39:20
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• 39:24
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