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MONEY DIARIES: 5 countries, a massive amount of debt and an epic story of transformation · She's On The Money

• 0:00
  Speaker 1: She's on the Money.
• 0:02
  Speaker 2: She's on the Money.
• 0:23
  Speaker 3: Hello, and welcome to She's on the Money, the podcast
• 0:26
  Speaker 3: Millennials who Want Financial Freedom. Welcome back to another one
• 0:30
  Speaker 3: of our shop back Money Diary mondays where we get
• 0:32
  Speaker 3: to chat to one of our beautiful community members all
• 0:35
  Speaker 3: about their money story and their journey and get past.
• 0:38
  Speaker 4: All the juicy music questions, which.
• 0:40
  Speaker 3: You know we love to see it. So b this
• 0:42
  Speaker 3: week's diarist, you actually know a little bit more than
• 0:45
  Speaker 3: me because you've been sliding into her dms.
• 0:47
  Speaker 1: Right.
• 0:47
  Speaker 4: I feel like I've taken your job a little bit,
• 0:50
  Speaker 4: because usually it's just who goes through the inbox and
• 0:53
  Speaker 4: finds an email and a money Diary submission and says, Bee,
• 0:56
  Speaker 4: you don't know what you're going to get into. But
• 0:59
  Speaker 4: this week I've just been lining our own diaries up
• 1:01
  Speaker 4: by getting my dms, and people message me and I'm like,
• 1:05
  Speaker 4: you sound like you have a six story. Let's talk.
• 1:08
  Speaker 4: And that's what happened with this week's diarist, who is
• 1:11
  Speaker 4: Oady on the line. Hello, Money Diarist, how are you?
• 1:14
  Speaker 1: Hello? Hello, ladies, I'm good, happy to be here.
• 1:17
  Speaker 4: We are so excited to be doing this diary with you.
• 1:20
  Speaker 4: And when I say we are so excited. I mean,
• 1:23
  Speaker 4: Jess and I because before this recording, I was like, yes,
• 1:26
  Speaker 4: you're going to love this one. And I read out
• 1:29
  Speaker 4: the long ass message that you sent me, being like, look,
• 1:33
  Speaker 4: I've done all this cool stuff. I've gotten out of debt.
• 1:36
  Speaker 4: I've lived in five different countries, all before the age
• 1:39
  Speaker 4: of twenty eight, and then you were in a whole
• 1:42
  Speaker 4: hYP of consumer debt. You got out of debt, and
• 1:44
  Speaker 4: you are now absolutely flying. I don't want to ruin
• 1:47
  Speaker 4: this story too much by giving away all the juicy stuff,
• 1:50
  Speaker 4: but I was just like, we need to get you
• 1:52
  Speaker 4: on the show. You have this epic story and this
• 1:54
  Speaker 4: epic journey that I think a lot of us can
• 1:57
  Speaker 4: relate to the mindset that you were experience and seeing,
• 2:00
  Speaker 4: and you did touch on things like guilt and feeling
• 2:02
  Speaker 4: a little bit ashamed of you know, what you were
• 2:04
  Speaker 4: going through, and I just think that no one should
• 2:06
  Speaker 4: feel like that. So, without further ado, would you like
• 2:09
  Speaker 4: to jump into the first question of the show money dires?
• 2:12
  Speaker 1: Yes, I am ready throw them at me. Huh.
• 2:15
  Speaker 4: We excited?
• 2:15
  Speaker 1: All right?
• 2:16
  Speaker 4: So first question is can you tell us a little
• 2:20
  Speaker 4: bit about your money story?
• 2:21
  Speaker 1: Yes? So, growing up I probably have quite a unique
• 2:26
  Speaker 1: money story, I spose. So my mom was an immigrant.
• 2:30
  Speaker 1: That's probably not the unique aspect of my money story here.
• 2:34
  Speaker 1: But my mom was the breed winner and I had
• 2:36
  Speaker 1: to stay at home dead or my life, which was amazing.
• 2:40
  Speaker 1: We have a really good relationship. So my mum always
• 2:43
  Speaker 1: had quite a good job, but I always remember money
• 2:45
  Speaker 1: being really tight, and I just remember from a very
• 2:49
  Speaker 1: young age there was always stress around any sort of
• 2:53
  Speaker 1: money conversation, any sort of financial decision. And so my
• 2:57
  Speaker 1: mom's parents were actually diplomats, so she had come from Yeah,
• 3:01
  Speaker 1: so she had come from quite you know, like a
• 3:03
  Speaker 1: privileged background, I suppose, and she always had financial resources
• 3:07
  Speaker 1: available to her. But the kind of person she is,
• 3:10
  Speaker 1: she's just quite proud and never really asked for help
• 3:12
  Speaker 1: from her family or anything like that. So yeah, she
• 3:15
  Speaker 1: chose to sort of run the family unit of her
• 3:18
  Speaker 1: own financial backing, which wasn't great at the beginning. I
• 3:21
  Speaker 1: remember she went to UNI while she was pregnant, had me,
• 3:25
  Speaker 1: got her first job, brought her first house, so on
• 3:27
  Speaker 1: and so forth. So yeah, my mum was very independent,
• 3:30
  Speaker 1: didn't ask for any help. So what that meant for
• 3:32
  Speaker 1: us is that there was always like a sense of
• 3:34
  Speaker 1: pressure around money. My dad never really worked, like he
• 3:38
  Speaker 1: did odd jobs, but primarily he took care of us.
• 3:41
  Speaker 1: And yeah, so I just remember always being stressed a
• 3:45
  Speaker 1: little bit. And I remember being a teen and like
• 3:50
  Speaker 1: my mum would announce to the family that she'd be
• 3:52
  Speaker 1: putting us on really aggressive budgets, and I just remember
• 3:55
  Speaker 1: those periods being like quite uncomfortable and going with and
• 4:00
  Speaker 1: you know, when you're a teenager and you go to school.
• 4:02
  Speaker 1: I went to like maybe quite a nice high school
• 4:05
  Speaker 1: compared to the suburb I was living in. So I
• 4:07
  Speaker 1: lived in quite a low socioeconomic suburb, and I used
• 4:10
  Speaker 1: to travel quite some distance to get to this nice school.
• 4:13
  Speaker 1: And I just remember like all the girls around me
• 4:15
  Speaker 1: had so much and they had access to so much,
• 4:18
  Speaker 1: and parents would sort of give them money all the time,
• 4:21
  Speaker 1: and it wasn't really, you know, a thing. And I
• 4:23
  Speaker 1: remember like going to school balls and their parents would
• 4:26
  Speaker 1: dash out like one thousand dollars and it was just
• 4:28
  Speaker 1: like not even a thing, you know, But that wasn't
• 4:31
  Speaker 1: the case for me. So yeah, I just remember as
• 4:33
  Speaker 1: a team, just you really wanting to keep up with
• 4:35
  Speaker 1: the girls around me, and also not wanting to really
• 4:38
  Speaker 1: be outed for not having as much money as my peers,
• 4:42
  Speaker 1: which kind of feels a bit silly. But you know,
• 4:44
  Speaker 1: when you're a self conscious young girl and you see,
• 4:48
  Speaker 1: you know, you're around all these people that are more
• 4:51
  Speaker 1: privileged than you are, it's hard to not feel like that.
• 4:54
  Speaker 3: I suppose I feel like it's such a universal experience
• 4:57
  Speaker 3: as a teen to feel like you're always on the
• 5:00
  Speaker 3: out anyway, like I think we can probably all relate
• 5:03
  Speaker 3: to that, and then to have that really heightened by
• 5:06
  Speaker 3: your sense of your financial situation. I guess in one way,
• 5:09
  Speaker 3: it's really great that your mum was open with you
• 5:11
  Speaker 3: and brought you up understanding what that meant. But it
• 5:15
  Speaker 3: absolutely would have been so hard when you're already so
• 5:18
  Speaker 3: self conscious as a team of trying to fit in
• 5:20
  Speaker 3: and you know, be like everyone else and not stand out,
• 5:23
  Speaker 3: to have that pressure of them being like, oh but
• 5:25
  Speaker 3: I'm different because like we can't afford what they can afford.
• 5:28
  Speaker 3: That would be so hard.
• 5:30
  Speaker 1: Yeah, And I think what it did like quite formative
• 5:33
  Speaker 1: age as sort of give me that mindset that like,
• 5:36
  Speaker 1: budgets are bad and they're hard and they're uncomfortable, and
• 5:40
  Speaker 1: because I never, like, you know, obviously I was never
• 5:43
  Speaker 1: really fully aware of my mum's financial circumstances around whatever.
• 5:48
  Speaker 1: I was just like, so we went on this budget
• 5:50
  Speaker 1: and it was really uncomfortable, and what was the outcome?
• 5:53
  Speaker 1: You know? And I just remember thinking that even into
• 5:56
  Speaker 1: my twenties, like just sort of thinking, why did you
• 5:59
  Speaker 1: do that? You're not more good free, like you know,
• 6:02
  Speaker 1: like it was just yeah. So I think for a
• 6:04
  Speaker 1: long time and even now, whenever I hear the word budget,
• 6:07
  Speaker 1: I'm like, oh God, not that, not that thing, you know.
• 6:09
  Speaker 4: Yeah, because your experience is that there was no fruit
• 6:12
  Speaker 4: from the labor. Yeah, you went through this really challenging
• 6:15
  Speaker 4: time and it wasn't all that great.
• 6:17
  Speaker 1: And it's not like.
• 6:18
  Speaker 4: You came out the other side and got this you know,
• 6:20
  Speaker 4: epic holiday because you guys had gone on a budget
• 6:22
  Speaker 4: and you know, saved for that period of time. You
• 6:25
  Speaker 4: just got the restriction and then you're like, well, this sucks.
• 6:28
  Speaker 4: This is a pub no wonder you cringe a little
• 6:30
  Speaker 4: bit when you hear the word budget. I would too.
• 6:33
  Speaker 1: Yeah, so I'm still still working on that reaction, but yeah, otherwise, Yeah,
• 6:37
  Speaker 1: so I guess, yeah, that's probably like the start of
• 6:41
  Speaker 1: my money story, I suppose, Yeah, I.
• 6:43
  Speaker 4: Love that, and I feel like that's something a lot
• 6:45
  Speaker 4: of us can relate to. I went to a private
• 6:49
  Speaker 4: Catholic school, and so there was a lot of diversity
• 6:52
  Speaker 4: when it came to incomes when I was growing up,
• 6:54
  Speaker 4: and there's absolutely no way that my family could have afforded,
• 6:58
  Speaker 4: you know, a thousand dollars either, Like you know, we
• 7:00
  Speaker 4: did our debutant balls and stuff, and I remember I
• 7:03
  Speaker 4: made my dress with my mum because like, there was
• 7:05
  Speaker 4: no way I could afford to do you know, one
• 7:08
  Speaker 4: of the fancy dresses that some of the girls did.
• 7:10
  Speaker 4: I remember them like literally going to bridal boutiques and
• 7:14
  Speaker 4: picking out dresses and me going, what like this is ridiculous,
• 7:18
  Speaker 4: And you know, I'm down at Payless shoes being like, oh,
• 7:21
  Speaker 4: like these are really cute, Mum, I want these, and
• 7:23
  Speaker 4: a couple of the girls talking about design is shoes
• 7:26
  Speaker 4: for a debutante ball in grade eleven. I was like, yeah, oh,
• 7:29
  Speaker 4: like that was I guess for me the start of
• 7:32
  Speaker 4: the contrast. And then even when it came to cars,
• 7:35
  Speaker 4: like at eighteen, you get your license and I was
• 7:38
  Speaker 4: just borrowing my mum's car occasionally, and you know, just
• 7:41
  Speaker 4: grateful that I could drive. A couple of the girls
• 7:44
  Speaker 4: at school we get in W's for their eighteenth birthdays,
• 7:47
  Speaker 4: and I'd be like, what it is?
• 7:49
  Speaker 3: Like?
• 7:49
  Speaker 1: What like that?
• 7:50
  Speaker 4: It makes you feel a very strange type of awkward
• 7:55
  Speaker 4: because you just know that it's not about you either.
• 7:58
  Speaker 4: It's about your parents, and it's such a deep issue
• 8:01
  Speaker 4: that you don't know how to have this conversation and
• 8:03
  Speaker 4: you kind of go, oh, there's like a little bit
• 8:05
  Speaker 4: of envy there. But also, I love my family. Such
• 8:08
  Speaker 4: a different and contrasting situation. It is a very interesting
• 8:11
  Speaker 4: situation having gone through it, so I can totally relate
• 8:14
  Speaker 4: to that money Darrist next question, it's the pervy stuff. Yeah,
• 8:19
  Speaker 4: what do you do for work? How much money do
• 8:21
  Speaker 4: you earn?
• 8:22
  Speaker 1: So at the moment, I'm a consultant, and I remember
• 8:24
  Speaker 1: when people would say consultant, I'd be like, what to say?
• 8:26
  Speaker 1: Even mean? So for me personally my situation, I work
• 8:29
  Speaker 1: in digital marketing as a content specialist. So yeah that's me.
• 8:34
  Speaker 4: Well you fancy.
• 8:36
  Speaker 1: Look there's a lot of them in the community I've heard.
• 8:40
  Speaker 3: So I'm really glad you clarified what that role was
• 8:44
  Speaker 3: because I've heard so many people say, oh, like this
• 8:46
  Speaker 3: is what I do, and I'm always like.
• 8:48
  Speaker 1: What sounds neeric?
• 8:50
  Speaker 4: Yeah, yeah, are you a shoe consultant? Do you consult
• 8:53
  Speaker 4: in sex education? Now there's so many Oh, digital marketing,
• 8:57
  Speaker 4: Yeah I totally knew that.
• 8:58
  Speaker 1: Yeah.
• 9:00
  Speaker 4: How much money do you earn as a consultant in
• 9:02
  Speaker 4: digital marketing? Money dirests?
• 9:04
  Speaker 1: So I'm currently on one hundred thousand, three hundred and
• 9:08
  Speaker 1: sixty dollars, which is such a random amount. Plus Super, Oh.
• 9:11
  Speaker 4: My gosh, and Super is another ten percent, so pretty
• 9:14
  Speaker 4: much one hundred and ten thousand dollar package.
• 9:16
  Speaker 1: Oh my god, it's quite nice.
• 9:17
  Speaker 4: I like it sounds good to say, that sounds very
• 9:20
  Speaker 4: sexy and money direst let's put this in context. How
• 9:22
  Speaker 4: old are you?
• 9:23
  Speaker 1: Hi? Just turned thirty recently, so you're juste.
• 9:25
  Speaker 4: Hundred grand at thirty. That is a very nice position
• 9:28
  Speaker 4: to be in.
• 9:29
  Speaker 1: Yeah, it is nice. And like I'd forgotten that's Super
• 9:32
  Speaker 1: here and Australia is ten percent, so I was like,
• 9:35
  Speaker 1: oh goodness. So they're like really, it's like a nice surprise,
• 9:40
  Speaker 1: you know, surprise. Yeah. Yeah.
• 9:42
  Speaker 4: I feel like as Australians and most people listening to
• 9:46
  Speaker 4: this are going to be Australian, we just don't realize
• 9:50
  Speaker 4: how lucky we are to have such a structure in
• 9:53
  Speaker 4: place to help us with our financial futures, which is
• 9:57
  Speaker 4: why I'm always jumping up and down and like, care
• 9:59
  Speaker 4: more about Super. It does so much. It's ten percent
• 10:01
  Speaker 4: of your income and most of us aren't even saving
• 10:04
  Speaker 4: ten percent of our incomes, let alone investing it. And
• 10:07
  Speaker 4: that's what you're doing inside Super. So it's about time
• 10:10
  Speaker 4: we cared about it.
• 10:11
  Speaker 1: Yeah, it's so good. So I remember I was on
• 10:13
  Speaker 1: a similar and come in New Zealand, so I was
• 10:15
  Speaker 1: one hundred thousand, and like I used to have to
• 10:17
  Speaker 1: I guess salary sacrifice, so you know, like I nominate
• 10:20
  Speaker 1: a sooner percentage of my income that comes out of
• 10:22
  Speaker 1: my pocket, and it's just about like and then you
• 10:24
  Speaker 1: come here and they give it to you. Love it.
• 10:27
  Speaker 4: It's so different here in that it's automated. But I
• 10:30
  Speaker 4: think if it was reverse engineered and the money went
• 10:33
  Speaker 4: into your bank account and then it was your responsibility
• 10:35
  Speaker 4: to invest it, it would feel very different. I feel like
• 10:38
  Speaker 4: a lot of people would take a lot more interest
• 10:40
  Speaker 4: in the money because it's been through their hands, whereas
• 10:44
  Speaker 4: because it feels like it hasn't been through our hands.
• 10:46
  Speaker 4: It feels like it's not ours, even though it absolutely is,
• 10:50
  Speaker 4: it's just gone in a different direction from the beginning. Yeah,
• 10:54
  Speaker 4: So money, diarist, I want to know what are your
• 10:58
  Speaker 4: big money goals?
• 10:59
  Speaker 1: So probably the biggest in the sense of time, I
• 11:03
  Speaker 1: suppose as a new goal. So because my partner and
• 11:07
  Speaker 1: I have recently relocated to Brisbane and we have walked
• 11:10
  Speaker 1: out of a very hectic housing market in Wellington, we
• 11:14
  Speaker 1: are seeing that home ownership might be something that is
• 11:17
  Speaker 1: now within our reach again, which is something that we
• 11:20
  Speaker 1: almost had written off. So yeah, so this is a
• 11:23
  Speaker 1: new goal for us, which is very exciting. So yeah,
• 11:25
  Speaker 1: that's probably our biggest one for the time being.
• 11:29
  Speaker 4: I love that. Is that really exciting? Like I can
• 11:32
  Speaker 4: see your face. You're kind of like that's back on
• 11:34
  Speaker 4: the table, and I feel like I'm really excited.
• 11:37
  Speaker 1: I am excited because I had just like made peace
• 11:40
  Speaker 1: with that not being a possibility for me because of
• 11:44
  Speaker 1: you know, like the way that I chose to spend
• 11:46
  Speaker 1: my twenties and the time that it was out of
• 11:47
  Speaker 1: an out of key we saver. In all of that,
• 11:49
  Speaker 1: I was like, oh my god, I'm so far behind.
• 11:51
  Speaker 1: I'm going to have to look into building up an
• 11:53
  Speaker 1: investment portfolio, you know, like that was sort of the
• 11:55
  Speaker 1: direction that I was going because like the podcast told
• 12:00
  Speaker 1: me that that was okay. So I was like, yeah, cool,
• 12:02
  Speaker 1: that's that's okay. Yeah, but yeah, no, it turns out that, yeah,
• 12:07
  Speaker 1: because we've moved and our situation is a bit different
• 12:10
  Speaker 1: and I'm consumer dep free. Yeah, home ownership is now
• 12:13
  Speaker 1: back on the table. So that's really exciting.
• 12:14
  Speaker 4: I love that for you. Next question, do you have
• 12:18
  Speaker 4: any investments?
• 12:19
  Speaker 1: Look, so yes. So I started with Charsias a couple
• 12:25
  Speaker 1: of years ago, maybe in twenty twenty.
• 12:28
  Speaker 4: So we're able to access it before us because you're
• 12:31
  Speaker 4: across the ditch.
• 12:32
  Speaker 1: Oh my god. Their officers literally light around the corner
• 12:35
  Speaker 1: from my apartment, like very local.
• 12:37
  Speaker 2: Hi.
• 12:38
  Speaker 1: Yeah. Well yeah, So I started with the chars E's
• 12:43
  Speaker 1: and because we got it before it was on cheese
• 12:45
  Speaker 1: on the money, I was a little bit tentative, you know.
• 12:49
  Speaker 1: I was a bit like, oh, I don't know how
• 12:50
  Speaker 1: much I can afford. I don't know about this. I
• 12:52
  Speaker 1: don't know they have a lot of confidence in a
• 12:54
  Speaker 1: platform like this. But yeah, so I did sort of
• 12:57
  Speaker 1: dabble in there a little bit in twenty twenty, but
• 12:59
  Speaker 1: because I was still really focused on paying down my
• 13:03
  Speaker 1: personal DIBt. You know, I've just kind of gone in
• 13:05
  Speaker 1: and out and I haven't really made a lot of
• 13:07
  Speaker 1: progress on that. But that's something that I'm looking to
• 13:09
  Speaker 1: kick starting in this year.
• 13:11
  Speaker 4: I love that. Are you saying that you trust it
• 13:14
  Speaker 4: more because she's on the money loves Cherseys?
• 13:16
  Speaker 1: Yeah, I think that is what I'm saying. That is
• 13:18
  Speaker 1: what I'm saying.
• 13:19
  Speaker 4: Before you heard it on She's on the Money, you
• 13:21
  Speaker 4: were at brands, well, I want I promise no.
• 13:25
  Speaker 1: So I was a lot of apprehensive because I heard
• 13:27
  Speaker 1: about it from my partner, and my partner's like big
• 13:30
  Speaker 1: risk taker loves like, oh, you don't know, and he's
• 13:34
  Speaker 1: like you should do this. I'm like, I don't know,
• 13:37
  Speaker 1: Like I just don't know, you know. And then I'm
• 13:39
  Speaker 1: also someone that can't. I have a hard time focusing
• 13:42
  Speaker 1: on more than one money goal, Like I really just
• 13:44
  Speaker 1: need to go down and like this is my priority
• 13:48
  Speaker 1: and then I can think about this. So, yeah, that's hard.
• 13:50
  Speaker 4: That's so exciting. I'm excited to hear what you do
• 13:53
  Speaker 4: with your investments for the rest of twenty twenty two though.
• 13:56
  Speaker 4: That's super fun.
• 13:57
  Speaker 1: Things On top of that day also obviously, can we
• 14:00
  Speaker 1: say that? And then, oh my god, don't cry. But
• 14:02
  Speaker 1: I've also got I think maybe unconsolidated, three unconsolidated super accounts,
• 14:08
  Speaker 1: can you deal? So that's probably a big party.
• 14:14
  Speaker 4: So excited about super You're so excited you have three accounts,
• 14:17
  Speaker 4: That's what I'm going to take this as.
• 14:19
  Speaker 1: Yeah, well no, but okay, do you know what the
• 14:21
  Speaker 1: ATO doesn't make it. They're easy to consolidate things.
• 14:24
  Speaker 4: We'll take this conversation offline. I will help you, I
• 14:26
  Speaker 4: will help you money, dires, I get you. But they
• 14:29
  Speaker 4: actually do make it easy nowadays because once you log
• 14:34
  Speaker 4: in and you've got all your membership numbers on your
• 14:36
  Speaker 4: ATO portal, you should be able to nominate one account
• 14:39
  Speaker 4: to roll all of your money from other accounts into. However,
• 14:43
  Speaker 4: the hard thing is actually working out which super account
• 14:46
  Speaker 4: to pick as your like be all end all super account.
• 14:49
  Speaker 4: And the other thing you really need to take into
• 14:51
  Speaker 4: consideration before you do that is do any of your
• 14:54
  Speaker 4: super accounts have insurances on them? Because if they do,
• 14:58
  Speaker 4: those insurances, from my perserspective, are gold. And the reason
• 15:02
  Speaker 4: those insurances are gold is because they won't have any
• 15:05
  Speaker 4: exclusions on them. And exclusions are not what we want
• 15:09
  Speaker 4: when it comes to insurance. But more often than not
• 15:12
  Speaker 4: in the current environment in the insurance world, they like
• 15:15
  Speaker 4: to hand out exclusions like it's candy to children, and
• 15:19
  Speaker 4: we don't want that on our insurance because it makes
• 15:21
  Speaker 4: us less probable to be able to claim. So check
• 15:25
  Speaker 4: out your insurance, then check out your superannuation account and
• 15:28
  Speaker 4: work out what one you want to do. The money arrest,
• 15:31
  Speaker 4: I'll help you out. I got you. It's all right,
• 15:33
  Speaker 4: we'll work it out and then that can be a
• 15:34
  Speaker 4: money whin of yours. This okay, cool?
• 15:37
  Speaker 1: All right?
• 15:38
  Speaker 4: Next question, So, money darist, do you have any debts?
• 15:42
  Speaker 1: Look? No, but I do have a pretty hictic story
• 15:46
  Speaker 1: of having been in dib.
• 15:48
  Speaker 4: Oh my gosh, and I can't wait to ask you that.
• 15:50
  Speaker 4: We'll get through the rest of the structured questions first
• 15:52
  Speaker 4: and get into that after the break. But next structured question,
• 15:57
  Speaker 4: money diarist, do you shot back?
• 15:59
  Speaker 1: Okay, no, because it's actually not available in New Zealand. Li,
• 16:04
  Speaker 1: I just got here, but I cannot wait. There's like
• 16:07
  Speaker 1: there's that's like a reason three hundred and forty five
• 16:11
  Speaker 1: to like move to Australia. You shot back?
• 16:14
  Speaker 4: Shot backs there?
• 16:15
  Speaker 1: Yeah, shot back is here Soper shot back the list.
• 16:18
  Speaker 4: Oh my gosh, all the things that you can use.
• 16:21
  Speaker 4: Australia is just like a money win, an island of
• 16:24
  Speaker 4: a money win. Actually it has hun I love it.
• 16:29
  Speaker 4: I mean probably a little bit audacious, but we'll go
• 16:31
  Speaker 4: with it. And of course when you sign up, you're
• 16:33
  Speaker 4: gonna use the code SotM to get free money in
• 16:35
  Speaker 4: your account, right yeah, yeah, of course, because that's even
• 16:39
  Speaker 4: more money win. Speaking of money wins, money Diarist, what
• 16:42
  Speaker 4: is your best money habit?
• 16:44
  Speaker 1: Look, I think I've picked up a few along the way,
• 16:46
  Speaker 1: but I think one of my good money habits is
• 16:50
  Speaker 1: that I always sleep on a purchase. So I always
• 16:53
  Speaker 1: put separation between me and like a significant buy or
• 16:56
  Speaker 1: even that significant important purchase. But like you know, if
• 16:58
  Speaker 1: I know that something is going to be quite expensive
• 17:00
  Speaker 1: or upcoming, yeah, I'll yeah, I always put distance between
• 17:05
  Speaker 1: me and buying the thing.
• 17:07
  Speaker 4: Do you think that that kind of puts you in
• 17:09
  Speaker 4: a position where you really think about it in a
• 17:12
  Speaker 4: way that you're like, you know what, I don't need
• 17:13
  Speaker 4: that anymore? Like do you often find yourself not making
• 17:16
  Speaker 4: purchases because of that timing? Or do you find that
• 17:18
  Speaker 4: you just really reiterate to yourself that you do want
• 17:21
  Speaker 4: that thing.
• 17:22
  Speaker 1: Yeah, there are definitely times where I'm like, I actually
• 17:25
  Speaker 1: don't need this because I'm not gonna wear it. I'm
• 17:28
  Speaker 1: not gonna wear that within you know, in three months,
• 17:30
  Speaker 1: because it's seasonally not not you know, not right now.
• 17:35
  Speaker 4: No, it's hard because sometimes I see stuff and I'm like,
• 17:38
  Speaker 4: I really want that, but I can also see me
• 17:41
  Speaker 4: wearing that once.
• 17:42
  Speaker 1: Yeah, yes, and yes. And actually now when I buy things,
• 17:45
  Speaker 1: I always think about whether or not I can wear
• 17:47
  Speaker 1: it with three other items in my wardrobe. I think
• 17:48
  Speaker 1: this is from something like a movie. Maybe I don't know,
• 17:51
  Speaker 1: but now I'm like, oh my god.
• 17:52
  Speaker 4: Is it maybe from the podcast we did on fast Fashion.
• 17:55
  Speaker 1: Oh look, there you go, there you go. You're supervasive.
• 18:00
  Speaker 4: I mean, it's probably not an original idea. I'd love
• 18:03
  Speaker 4: to think that we are that smart that we create
• 18:05
  Speaker 4: these really great original ideas. Like, guys, guess what we've
• 18:08
  Speaker 4: come up with. It's called investing. And no, we're not
• 18:13
  Speaker 4: reinventing the wheel, but we definitely have discussed it because
• 18:15
  Speaker 4: it's a very good money tip. But on the flip
• 18:18
  Speaker 4: side of money tips, there are the things we do
• 18:20
  Speaker 4: with money that are maybe not so good. So wrest,
• 18:23
  Speaker 4: what are your worst money habits?
• 18:25
  Speaker 1: My worst money have its? Okay, so I am and
• 18:31
  Speaker 1: actually I used to be way worse. I'm still quite bad,
• 18:35
  Speaker 1: but not as bad as I was. I out of
• 18:38
  Speaker 1: my savings.
• 18:38
  Speaker 4: Oh, I've only just remembered what you're bad when.
• 18:46
  Speaker 1: I take it.
• 18:46
  Speaker 4: Oh my god, yeah, Phil, please Bill.
• 18:50
  Speaker 1: Look, I I am always quite ambitious at the beginning
• 18:56
  Speaker 1: of the pace cycle, you know, like I used to
• 18:58
  Speaker 1: get paid fortnightly and I'd get the slump of mouth
• 19:00
  Speaker 1: and I'd be like, Okay, this is going to savings.
• 19:03
  Speaker 1: And then something will happen or like not even something
• 19:06
  Speaker 1: will happen, a feeling will strike me, or an event
• 19:09
  Speaker 1: or something that I've known about. The ages will come up,
• 19:12
  Speaker 1: but I haven't appropriately budgeted, and so I'm like, oh
• 19:14
  Speaker 1: my god, I need to use my savings. And then
• 19:16
  Speaker 1: I use my savings.
• 19:18
  Speaker 4: Yeah, I feel like that's really relatable as well.
• 19:21
  Speaker 1: Yeah, working on it, but not the worst, not the worst.
• 19:25
  Speaker 4: Yeah, money jaris last question before we go to a
• 19:28
  Speaker 4: quick break is what grade would you give your money
• 19:30
  Speaker 4: habits if we forced you to give them a grade?
• 19:33
  Speaker 1: Okay, the person I am today, but the money have
• 19:38
  Speaker 1: it grade, I would say, yeah, maybe B.
• 19:41
  Speaker 4: Plus I recog that it's pretty good.
• 19:44
  Speaker 1: Yeah, Like I don't like when I really like look
• 19:46
  Speaker 1: back on myself and reflect about my behavior with money,
• 19:50
  Speaker 1: Like I don't have a spending problem. I've never had
• 19:52
  Speaker 1: a spending problem really, and I definitely don't have one now.
• 19:57
  Speaker 1: I don't. Yeah, I don't. I don't really find money
• 19:59
  Speaker 1: as treaceful used to. And I feel like I have
• 20:01
  Speaker 1: so much awareness around the money that I'm earning any
• 20:05
  Speaker 1: money that I, oh my, oh, you know whatever. I think.
• 20:08
  Speaker 1: I know every dollar is like and I definitely didn't
• 20:11
  Speaker 1: have debt before, you know.
• 20:13
  Speaker 4: All right, Well, I know you have a pretty wild
• 20:16
  Speaker 4: story when it comes to debt, and I can't wait
• 20:19
  Speaker 4: to get into it right after this break. All right,
• 20:22
  Speaker 4: so we are back. You mentioned before that you had
• 20:25
  Speaker 4: a pretty hectic debt story. What do you reckon? We
• 20:28
  Speaker 4: start talking about it?
• 20:29
  Speaker 1: Okay, So right now I don't have any ch.
• 20:32
  Speaker 4: Yeah, you messaged me and that's how our conversation started.
• 20:35
  Speaker 4: You are completely debt free personally.
• 20:38
  Speaker 1: Right, yes, And I have been since August twenty twenty,
• 20:41
  Speaker 1: which is very exciting, and the pandemic made that quite easy.
• 20:44
  Speaker 1: Eatina start that. Thanks over that over, I get the
• 20:48
  Speaker 1: silver ligning. But I used to have a lot.
• 20:53
  Speaker 4: If you're willing to share it, how much debt did
• 20:56
  Speaker 4: you have?
• 20:56
  Speaker 1: Okay? So and total it probably wasn't ever more at
• 21:01
  Speaker 1: any time more than fifteen thousand dollars, But it was
• 21:04
  Speaker 1: more the circumstances and like the international considerations around managing
• 21:10
  Speaker 1: that did and what and you know, like the mess
• 21:13
  Speaker 1: it became trying to move money from different accounts in
• 21:17
  Speaker 1: different currencies with different sort of red tape around banks
• 21:21
  Speaker 1: and stuff. So yeah, as we touched on at the beginning,
• 21:24
  Speaker 1: I made about seven international moves, which includes moves back home,
• 21:29
  Speaker 1: across a timeline of about eight years, which is significant.
• 21:32
  Speaker 1: So you know, the people say that moving is like
• 21:35
  Speaker 1: the most stressful thing you can you know, you carry
• 21:39
  Speaker 1: out what are the most you know, one of the
• 21:40
  Speaker 1: biggest stresses, and that certainly was the case for me.
• 21:43
  Speaker 1: So when I think about like the personal debt that
• 21:45
  Speaker 1: I got into, I for a long time thought, oh
• 21:48
  Speaker 1: my god, it's because I'm irresponsible and I just made
• 21:51
  Speaker 1: a thousand bad decisions. But as I was sort of
• 21:54
  Speaker 1: mapping this out in preparation, I realized that actually there's
• 21:57
  Speaker 1: a lot of nuance to this, and I, you know,
• 22:01
  Speaker 1: a few real genuine money emergencies. So when I finished UNI,
• 22:05
  Speaker 1: I moved to South Korea right away in twenty thirteen,
• 22:10
  Speaker 1: and I earned quite good money. I'm doing that teaching English,
• 22:14
  Speaker 1: which isn't bad, but it sort of set me up
• 22:18
  Speaker 1: for a lifestyle that I was not going to be
• 22:20
  Speaker 1: able to afford in every single economy. So this is
• 22:23
  Speaker 1: why I'm just sort of laying that out. Then in
• 22:25
  Speaker 1: twenty fourteen, I moved back home. My finances were good,
• 22:28
  Speaker 1: and I quickly realized that as a graduate, my earning
• 22:31
  Speaker 1: potential is not going to give me the same lifestyle
• 22:34
  Speaker 1: that I was able to have in Asia. So with
• 22:36
  Speaker 1: that in mind, I was just kind of like, oh
• 22:39
  Speaker 1: my god, there's no way I'm gonna enjoy this forty
• 22:42
  Speaker 1: thousand dollars salary as a graduate. I'm my god, can
• 22:45
  Speaker 1: you deal with the entitlement anyway? I was like, I
• 22:48
  Speaker 1: can't take this. I was like, I have lived a life,
• 22:51
  Speaker 1: you know, I have been in career, living my life
• 22:53
  Speaker 1: like doing these things, but I kin't of ford that
• 22:55
  Speaker 1: in New Zealand on forty thousand dollars.
• 22:57
  Speaker 4: So I love that you're like, oh titlement, as if
• 23:01
  Speaker 4: you're looking back on past, you like, who was she?
• 23:03
  Speaker 1: I don't know who she is. I don't know who
• 23:05
  Speaker 1: she is.
• 23:07
  Speaker 4: Who does she think us?
• 23:08
  Speaker 1: Exactly? So I finished my post grade and then at
• 23:12
  Speaker 1: the start of twenty fifteen, I moved to China again,
• 23:15
  Speaker 1: initially to teach English. And so I am going to
• 23:18
  Speaker 1: talk about my income a little bit here. So when
• 23:20
  Speaker 1: I moved to China, I was on quite a good
• 23:22
  Speaker 1: salary so for my age and how far my money
• 23:26
  Speaker 1: could go in their market. So I would be paid
• 23:28
  Speaker 1: monthly about three thousand, three hundred and seventy Australian dollars.
• 23:34
  Speaker 1: And when you're twenty three and in China, when you
• 23:37
  Speaker 1: can live lean like, there is a lot of money.
• 23:40
  Speaker 1: So on top of that, I also made, you know,
• 23:42
  Speaker 1: nearly three hundred dollars an extra month tutoring when my
• 23:44
  Speaker 1: rent was only three hundred dollars. Then I did yeah,
• 23:48
  Speaker 1: And then I did like a summer intenserve that paid
• 23:50
  Speaker 1: about two and a half thousand dollars because over the
• 23:52
  Speaker 1: summer you don't get regular work, so you're not paid regularly.
• 23:55
  Speaker 1: So I was like making a lot of money for
• 23:57
  Speaker 1: this time. I was saving I was sending money back
• 23:59
  Speaker 1: home home, but again it set me up for a
• 24:02
  Speaker 1: lifestyle that was not going to be able to afford
• 24:04
  Speaker 1: really as I moved on.
• 24:08
  Speaker 3: Not three hundred dollars a month here, maybe.
• 24:12
  Speaker 4: A week, maybe a week exactly.
• 24:15
  Speaker 1: So anyway, so that was the sort of lay of
• 24:18
  Speaker 1: the land for the first six months, and nar I
• 24:21
  Speaker 1: finished teaching at the end of twenty fifteen because I
• 24:24
  Speaker 1: was really burnt out. It was really heat it the
• 24:25
  Speaker 1: conditions were bad, and I was like, look, I'm going
• 24:27
  Speaker 1: to go like find my career. So I ended up
• 24:32
  Speaker 1: finding full time marketing gig in China of all places.
• 24:35
  Speaker 1: It was really cool, really fun startup. However, there were
• 24:39
  Speaker 1: some delays and me being able to start, and so
• 24:41
  Speaker 1: by this time, you know, i'd finished my full time job.
• 24:43
  Speaker 1: I was relying fully on tutoring money, and I was
• 24:46
  Speaker 1: sort of down to my last coin, you know, like
• 24:48
  Speaker 1: I had my last thousand dollars just a few thousand
• 24:51
  Speaker 1: dollars hit about five thousand dollars. That was like my
• 24:54
  Speaker 1: my nest, you know. So anyway, there was a delay
• 24:56
  Speaker 1: in me starting my full time job and taking this job.
• 25:00
  Speaker 1: I took quite significant pay cards, so like maybe maybe,
• 25:05
  Speaker 1: but yeah, one thousand dollars less. And now, because I
• 25:08
  Speaker 1: was living in the city, my rent was double, so
• 25:11
  Speaker 1: I'm already like, oh my god, where's my money gone?
• 25:14
  Speaker 1: You know. So yeah, So by this time, this is
• 25:18
  Speaker 1: about twenty sixteen, and I remember quite early in my role,
• 25:22
  Speaker 1: I was told that I was going to have to
• 25:24
  Speaker 1: go on a visa run to Hong Kong, and which
• 25:28
  Speaker 1: took me by surprise because.
• 25:30
  Speaker 4: Can you tell us what a visa run is? Fancy?
• 25:32
  Speaker 1: Okay, So when I started my job, because I was
• 25:35
  Speaker 1: changing from a teaching visa, I needed to go on
• 25:40
  Speaker 1: a skilled migrant visa, which is what you have to
• 25:42
  Speaker 1: do when you're not Chinese national working in China. And
• 25:45
  Speaker 1: so to do this, there's like a few hopes you
• 25:47
  Speaker 1: have to jump through, and one of those hopes being
• 25:50
  Speaker 1: is that you can't change your visa while you're in
• 25:52
  Speaker 1: the country, so you need to go somewhere else to
• 25:54
  Speaker 1: do that. So anyway, yeah, so I was under the
• 25:57
  Speaker 1: impression that this was going to be taken care of
• 25:59
  Speaker 1: because my employer head a visa agent doing this for
• 26:02
  Speaker 1: other employees at the time. But anyway, I got a
• 26:05
  Speaker 1: message one Friday night while I'm out drinking and there's
• 26:08
  Speaker 1: it's like the Edmund guy at work and he's like, Hey,
• 26:10
  Speaker 1: are you going to Hong Kong tomorrow? And I was like, no, honey, why,
• 26:14
  Speaker 1: Like why would have you in Hong Kong.
• 26:17
  Speaker 4: I think you've got me mixed up with somebody else
• 26:19
  Speaker 4: from the office.
• 26:20
  Speaker 1: Thanks though, like.
• 26:22
  Speaker 4: That would be nice.
• 26:23
  Speaker 1: And then he was like, well, your visa runs out,
• 26:27
  Speaker 1: so you need to go to Hong Kong and you
• 26:28
  Speaker 1: need to do X y Z and you need to
• 26:30
  Speaker 1: pay for this thing and then you need to come down.
• 26:32
  Speaker 4: And then blah blah blah tomorrow and.
• 26:33
  Speaker 1: You need to do tomorrow.
• 26:34
  Speaker 4: So I was like, well, I was three wine drink,
• 26:38
  Speaker 4: Like is this serious or not?
• 26:40
  Speaker 1: Well, that's right. I was like three wines in it
• 26:42
  Speaker 1: was a hot shun high night. I was like, oh God, okay,
• 26:45
  Speaker 1: like I guess I'm going to Hong Kong tomorrow. You're
• 26:47
  Speaker 1: in Hong Kong and I was just like that, you know,
• 26:49
  Speaker 1: like I think a lot of young people are. I
• 26:51
  Speaker 1: was like, oh God, okay, like here we go. So
• 26:53
  Speaker 1: paid top dollar for last minute flys. Then I needed
• 26:57
  Speaker 1: to be on Hong in Hong Kong for like three
• 26:59
  Speaker 1: to five business days as the paperwork was processed, and
• 27:02
  Speaker 1: because I was going a weekend, I was now spending
• 27:04
  Speaker 1: seven days there total. Like it was a it was amassed.
• 27:08
  Speaker 1: So I did that and then I came back and
• 27:10
  Speaker 1: I was like, oh, I'm a little bit poor, but
• 27:12
  Speaker 1: I'm getting paid soon, so like maybe that will be okay.
• 27:16
  Speaker 1: And then a couple of weeks later, I had to
• 27:18
  Speaker 1: do another one. This time I only needed to spend
• 27:21
  Speaker 1: the night. Oh my god, I can't even Like when
• 27:23
  Speaker 1: I think about it now, I'm like, I cannot deal
• 27:25
  Speaker 1: do you know what.
• 27:26
  Speaker 4: I don't think I could have dealt with that level
• 27:27
  Speaker 4: of anxiety that would have thrown me. I couldn't have
• 27:30
  Speaker 4: done it.
• 27:30
  Speaker 1: And it was and look all the while I'm having
• 27:33
  Speaker 1: to like DHL documents to New Zealand and back get
• 27:36
  Speaker 1: things signed off by justices of the peace, and like
• 27:38
  Speaker 1: it was like this whole vicious rigamarole like mess. Anyway,
• 27:42
  Speaker 1: so I did a second run, came back. Then I
• 27:45
  Speaker 1: immediately got zick upon returning back to China. And normally
• 27:50
  Speaker 1: healthcare and China is not expensive if you go to
• 27:53
  Speaker 1: like a local Chinese outlet whatever. Yeah, but I was like,
• 27:56
  Speaker 1: I need to be able to communicate my symptoms in English,
• 27:58
  Speaker 1: and I need to know how to take care of
• 27:59
  Speaker 1: myself and I need to know what to do.
• 28:02
  Speaker 4: Pretty reasonable requests if you asked me.
• 28:04
  Speaker 1: Yeah, I was like, I am not doing no dungeon
• 28:06
  Speaker 1: examination today, you know, like I just not today, no exactly.
• 28:12
  Speaker 1: So I went to this hospital like really desperate whatever,
• 28:16
  Speaker 1: and then got stung with a bill or one thousand
• 28:19
  Speaker 1: dollars on thousand dollars in New Zealand. Oh do you
• 28:22
  Speaker 1: know what, I actually did not have one thousand dollars
• 28:25
  Speaker 1: because I'd been to Hong Kong twice, you know, so
• 28:29
  Speaker 1: that put me in quite an uncomfortable position. And I
• 28:32
  Speaker 1: actually borrowed money off my grandma, so my grandma paid that.
• 28:35
  Speaker 1: So I'm like, okay, cool, I've got a grip dit
• 28:36
  Speaker 1: with my grandma a thousand dollars and then maybe like yeah.
• 28:40
  Speaker 1: A little while after that, a few months later, they
• 28:43
  Speaker 1: asked me to go to Hong Kong again, and I
• 28:44
  Speaker 1: was like, look, if I am leaving the country, I
• 28:48
  Speaker 1: am not coming back because I have now spent thousands
• 28:51
  Speaker 1: of dollars. I have not recuperated my emergency money that
• 28:54
  Speaker 1: I've put towards these these visa you know, this Viza
• 28:59
  Speaker 1: crisis and it was so stressful because I loved being
• 29:03
  Speaker 1: in China. I love it to my job, you know.
• 29:05
  Speaker 1: And I had considered the visa my money emergency, you know.
• 29:08
  Speaker 1: So I like used my money and I was like, okay,
• 29:10
  Speaker 1: here we go, what about it? So yeah, I was
• 29:12
  Speaker 1: like I'm not doing this in this ur reimburse me
• 29:15
  Speaker 1: and then they offered me like a really like pitiful
• 29:18
  Speaker 1: amount back and I was like no, sorry, So lived
• 29:20
  Speaker 1: and panicked, moved to Sydney because that's where my sister
• 29:22
  Speaker 1: was at the time. So anyway, by this time, moved
• 29:26
  Speaker 1: to Sydney and I've got.
• 29:27
  Speaker 4: That and moved to Australia. Yeah, from China.
• 29:30
  Speaker 1: Yeah, because like direct flight ham direct Flight and my
• 29:33
  Speaker 1: sister was here. Sorry.
• 29:34
  Speaker 4: It was just like I'm out, I don't even come
• 29:38
  Speaker 4: from there, but we're going there.
• 29:39
  Speaker 1: No. Yeah, I was like, look, I'm going there. I've
• 29:41
  Speaker 1: got unlimited working rights st hapning. So so I came
• 29:47
  Speaker 1: to Sydney and I was staying for my little sister
• 29:49
  Speaker 1: at the time, and I got a job pretty quickly,
• 29:52
  Speaker 1: which was good. Then. I think it about this sixth
• 29:54
  Speaker 1: week I was with my sister, we had a bit
• 29:56
  Speaker 1: of a relationship breakdown, which was not great, not ideal
• 30:01
  Speaker 1: and actually very I was so sad at the time,
• 30:03
  Speaker 1: but left me again in quite a financially vulnerable position
• 30:06
  Speaker 1: because then I had to find somewhere to live. I
• 30:09
  Speaker 1: had to fork out bond, which is, you know, four weeks,
• 30:13
  Speaker 1: had to pay four weeks in advance. You know. It
• 30:14
  Speaker 1: was like a very expensive endeavor money that I didn't have.
• 30:16
  Speaker 1: I'd already sort of handed over all the money I
• 30:18
  Speaker 1: did help to my sister to help towards rent and
• 30:20
  Speaker 1: food and so on. So I had leant money from
• 30:23
  Speaker 1: my friend to like get me on my feet, which
• 30:25
  Speaker 1: was very generous and like a lifeline to me at
• 30:27
  Speaker 1: the time. So now I owe money to my grandma
• 30:29
  Speaker 1: and to a friend, and I'm like, oh my god,
• 30:31
  Speaker 1: Oh my god, but not like yeah, so that happened.
• 30:35
  Speaker 1: And then my sister was like, because you stayed with
• 30:39
  Speaker 1: me for six weeks, I would like you to pay
• 30:42
  Speaker 1: me some money towards there. I'd like you to contribute
• 30:44
  Speaker 1: towards your stay. And I was like, oh my god, okay,
• 30:46
  Speaker 1: and then she was like, I'd like you to pay
• 30:48
  Speaker 1: two thousand dollars your stay. Well, we won't get into
• 30:51
  Speaker 1: the detail of the house. She came up with this figure.
• 30:52
  Speaker 1: But I was like, oh my god, overwhelmed. Now, I
• 30:55
  Speaker 1: almost says to two thousand dollars, my grandma one thousand dollars,
• 30:57
  Speaker 1: my friend six hundred dollars. And I was just like.
• 30:59
  Speaker 4: Not prepared for that situation.
• 31:01
  Speaker 1: I was not prepared, and I just was so upset,
• 31:04
  Speaker 1: Like I loved being in Sydney, like I loved my
• 31:07
  Speaker 1: job that I had in Sydney. And actually the income
• 31:10
  Speaker 1: I was on should have been enough, you know, it
• 31:11
  Speaker 1: should have been comfortable. But because I was just breaking up,
• 31:17
  Speaker 1: like these things kept snowballing on top of me, I
• 31:19
  Speaker 1: was like, oh my god, I can't breathe, like I
• 31:21
  Speaker 1: cannot breathe, like I cannot breath. And I was really
• 31:24
  Speaker 1: upset that I couldn't tutor for sixty dollars an hour anymore,
• 31:28
  Speaker 1: like you know. So there was that, and then I
• 31:32
  Speaker 1: entered the cycle of payday loans because I was just like, oh.
• 31:36
  Speaker 4: Good, that's a good idea.
• 31:38
  Speaker 1: I know, hunt, I know, like these bills aren't going anywhere.
• 31:43
  Speaker 1: I'm barely breaking even Oh my god, oh my god,
• 31:46
  Speaker 1: oh my god. So yeah, into the cycle of payday
• 31:48
  Speaker 1: loans because they were really very easily available, and like so.
• 31:53
  Speaker 4: It's like they do that on purpose or something.
• 31:56
  Speaker 1: Yeah, and like I don't need to tell you how
• 31:59
  Speaker 1: much of a mess the industry aspect. I did that,
• 32:03
  Speaker 1: and that didn't solve the problem because the interest rates
• 32:07
  Speaker 1: on those are pictic. And so then a few months
• 32:09
  Speaker 1: later I then took out a personal loan because like
• 32:12
  Speaker 1: I needed to all go away, and you know, a
• 32:14
  Speaker 1: personal loan you can take more out? What about? So
• 32:17
  Speaker 1: I did that? Not a good idea. I'd also taken
• 32:19
  Speaker 1: out a credit card in Australia for survival. I was like,
• 32:22
  Speaker 1: oh my god, I need one immediately because I have
• 32:24
  Speaker 1: no money and I owe these people money. And so
• 32:25
  Speaker 1: now I've got an Australian loan, an Australian credit card.
• 32:28
  Speaker 1: I have money to my grandma, my sister, my friend,
• 32:30
  Speaker 1: and I'm just like can't deal. Everything is a mess,
• 32:33
  Speaker 1: and this personal loans like going to help me flatten everything.
• 32:37
  Speaker 1: So let's just do that. Look spoiler, it didn't.
• 32:40
  Speaker 4: But well, do you know what, I really do understand
• 32:43
  Speaker 4: that mindset, Like only can see why you would have
• 32:46
  Speaker 4: seen that as a very reasonable solution. And to be honest,
• 32:51
  Speaker 4: if you're in a position like that where you do
• 32:53
  Speaker 4: have a couple of high interest loans and like, you know,
• 32:55
  Speaker 4: you do owe money to a family that you really
• 32:57
  Speaker 4: don't want to be owing money to. A personal loan
• 33:01
  Speaker 4: can actually help you in those situations, but it sounds
• 33:04
  Speaker 4: like it put a bit more pressure on you.
• 33:06
  Speaker 1: Well, to be honest, of all the tits that I
• 33:09
  Speaker 1: took out, the personal loan was like, you know, it
• 33:11
  Speaker 1: was over a three year term. It was not like
• 33:15
  Speaker 1: an aggressive like payback scheme. It was you know, it
• 33:18
  Speaker 1: was actually manageable. But it was just like another thing
• 33:21
  Speaker 1: that I had against my name that I needed to
• 33:23
  Speaker 1: be paying money back into. So I think, you know, yeah,
• 33:27
  Speaker 1: so anyway, really overwhelmed, really bummed out that I just
• 33:31
  Speaker 1: can't earn more money or you know, I decided that
• 33:35
  Speaker 1: I would go to Vietnam, another obvious solution.
• 33:38
  Speaker 4: Clearly, I can't believe I didn't think of that. I
• 33:42
  Speaker 4: was like, personal loan, she's probably going to go to
• 33:44
  Speaker 4: Vietnam next.
• 33:48
  Speaker 1: So so I went to Vietnam and I was like, look,
• 33:51
  Speaker 1: I'm going to give myself four weeks to get a job,
• 33:53
  Speaker 1: and if I don't, then I'm just going to call
• 33:54
  Speaker 1: it in and go home. I'm going to go home,
• 33:58
  Speaker 1: but I got.
• 33:58
  Speaker 4: An I love learning about other people's mindset. I am
• 34:04
  Speaker 4: so conservative, I am so type A, Like there is
• 34:08
  Speaker 4: no way I could ever move to another country without
• 34:12
  Speaker 4: a solid plan that you could tell me what I
• 34:14
  Speaker 4: was doing pretty much every week for the next twelve months,
• 34:17
  Speaker 4: Like it wouldn't happen otherwise. Whereas you're like, ah, will
• 34:19
  Speaker 4: work it out, We'll be right, I'm like, how do
• 34:21
  Speaker 4: you live your life? Like I could never And it's
• 34:23
  Speaker 4: not a bad thing. It's just I can't tell you
• 34:26
  Speaker 4: how much stress that would induce, Like I would be
• 34:28
  Speaker 4: sick from stress if you did that to me.
• 34:30
  Speaker 1: Oh yeah, well I actually did get quite sick, Like
• 34:33
  Speaker 1: my health did take quite.
• 34:35
  Speaker 4: A nose dive, so I'm not surprise.
• 34:38
  Speaker 1: Ohh no, the inflammation, the stress, Like I'd say, I'd
• 34:43
  Speaker 1: go to a cupuncture and they'd be like, you need
• 34:45
  Speaker 1: like there is too much fire in your body. Like
• 34:48
  Speaker 1: they'd like talk about the imbalance and like to eat
• 34:50
  Speaker 1: cold food and do cold activities and like oh yeah,
• 34:52
  Speaker 1: so yeah. Twenty seventeen, about eight Prilin moved to Petnam.
• 34:56
  Speaker 1: I gave myself four weeks. I got a job a
• 34:58
  Speaker 1: week three, which was good and actually paid well for,
• 35:01
  Speaker 1: you know, considering the local market. But you know, hun,
• 35:05
  Speaker 1: when your income is and dong and your bills are
• 35:08
  Speaker 1: in dollars, there is just no way to get back,
• 35:13
  Speaker 1: to get off the hamster wheels. So by this time,
• 35:18
  Speaker 1: so I'm in Vietnam, I've been stung with a student
• 35:21
  Speaker 1: loan notification that my overseas repayments are due. So I'm like,
• 35:24
  Speaker 1: oh my gosh, oh my god, you know, hope for
• 35:26
  Speaker 1: good measure. I've now got my Australian credit card that
• 35:30
  Speaker 1: I need to be making repayments too. I'm paying off
• 35:32
  Speaker 1: my student loan and paying off my grammar, paying off
• 35:34
  Speaker 1: my sister, and oh my god, it's just a lot. Yeah.
• 35:37
  Speaker 1: So by this time, I've borrowed money from another briend.
• 35:40
  Speaker 1: Oh my god, I can't deal. But I did to
• 35:42
  Speaker 1: sort of sort me out, tied me over, and by
• 35:45
  Speaker 1: this time, I'm just like so tired of my own
• 35:48
  Speaker 1: situation and I'm burnt out from my job. I can't
• 35:51
  Speaker 1: tutor again because that's like twenty dollars an hour. It's
• 35:54
  Speaker 1: not going to move the needle. And I'm just like
• 35:57
  Speaker 1: so sad. In fact, I was said in Sydney. But
• 36:00
  Speaker 1: by this point, I'm just like, oh my god, this
• 36:02
  Speaker 1: is so overwhelming. I can't move money out of my
• 36:05
  Speaker 1: Vietnamese account. There is so much red tape to move
• 36:09
  Speaker 1: my money from here to their. Making repayments becomes so arduous,
• 36:13
  Speaker 1: like so hard. Yeah. So then I remember Christmas that year,
• 36:19
  Speaker 1: just you know, being at this buffet with all my
• 36:22
  Speaker 1: friends drinking. Everyone's talking about their New Year's resolutions for
• 36:25
  Speaker 1: twenty eighteen, and I'm just like I cannot be an
• 36:29
  Speaker 1: amiss like this anymore. Like I just cannot look like this,
• 36:33
  Speaker 1: like you know, I'm inflamed, I'm angry. Like I remember
• 36:36
  Speaker 1: becoming a really angry person just because I had just
• 36:39
  Speaker 1: had no patience. I had worn my resilience muscle out,
• 36:44
  Speaker 1: you know, like I just mixed it out trying to
• 36:46
  Speaker 1: figure all this smiss out. So yeah, at Chrismas, I
• 36:49
  Speaker 1: was like, Okay, tomorrow, whenever NX week is twenty eighteen,
• 36:53
  Speaker 1: I want to mission. I've been listening to personal development
• 36:55
  Speaker 1: podcasts for like a year at this time, so I
• 36:57
  Speaker 1: was like, you know, like fight it up.
• 36:59
  Speaker 4: You know. I was like, I'm I've found my motivation again.
• 37:03
  Speaker 1: Yeah, that's right, I was like I am going to
• 37:05
  Speaker 1: take control. I need to get back on the bill.
• 37:08
  Speaker 1: So yeah, I was like, right, I am going to
• 37:11
  Speaker 1: go home because I actually just need to at this point.
• 37:15
  Speaker 1: And I think I was like twenty five twenty six.
• 37:17
  Speaker 1: My friends were ginning engage buying houses. Like I was
• 37:19
  Speaker 1: missing quite significant milestones. So I was like, yeah, I
• 37:22
  Speaker 1: need to go. So yeah, I was like, I need to,
• 37:25
  Speaker 1: you know, save it for my plane ticket and then
• 37:26
  Speaker 1: I need to save a cushion for when i get
• 37:28
  Speaker 1: back to New Zealand so that I'm not pressing into
• 37:29
  Speaker 1: finding work right away or whatever. So I did that,
• 37:33
  Speaker 1: and I think in June. At the end of June,
• 37:36
  Speaker 1: I got home and I was like, oh my god.
• 37:39
  Speaker 1: First of all, I'm very cold, because like this is
• 37:41
  Speaker 1: not a ZeLing Yeah Zealand. I was like, oh my god,
• 37:45
  Speaker 1: I'm cold. My bones are freezing. How do you guys
• 37:47
  Speaker 1: to do anything? So I arrived whatever, and then the
• 37:51
  Speaker 1: very next day I was just like, Okay, I need
• 37:53
  Speaker 1: to get on the phone and I need to ring
• 37:54
  Speaker 1: these institutions. So number one of my lessons I I
• 37:58
  Speaker 1: do so they colleaching your student loan new payments, and
• 38:01
  Speaker 1: I was like, hi, I haven't made a payment in
• 38:03
  Speaker 1: a really long time. I was an overseas space borrower. Help. Yeah,
• 38:09
  Speaker 1: and I think I accrued a total of eight thousand
• 38:12
  Speaker 1: dollars worth of interest only just from being away in payment. No,
• 38:17
  Speaker 1: I know, hon, I know, like don't even No, that's not.
• 38:21
  Speaker 4: Like, oh my gosh, shame. It's like, oh my gosh,
• 38:24
  Speaker 4: that would have been so overwhelming for you, Like that
• 38:27
  Speaker 4: would have stressed me out. I can't imagine being already
• 38:30
  Speaker 4: stressed about finance to then find that out.
• 38:33
  Speaker 1: Like oh yeah, but I mean that that really helpful.
• 38:36
  Speaker 1: They're like, okay, well, because you don't have work yet
• 38:37
  Speaker 1: and you've just arrived, fill in this hardship form and
• 38:40
  Speaker 1: we'll just add in respect to the balance of your
• 38:41
  Speaker 1: loan and it will be automatically deducted as you you know,
• 38:44
  Speaker 1: from your income. And so I was like, okay, here,
• 38:46
  Speaker 1: and also where was this hardship form in my life?
• 38:50
  Speaker 1: Like why did I you know, why now?
• 38:52
  Speaker 4: Why not before.
• 38:55
  Speaker 1: My life had become undone and it was not a
• 38:57
  Speaker 1: single hardship form in site. But anyway, so did that
• 39:01
  Speaker 1: and in the second institution I rang was my bank
• 39:04
  Speaker 1: to talk about my loan repayments because they had become
• 39:07
  Speaker 1: difficult and missing, and I was like, oh my god.
• 39:10
  Speaker 1: And while I was in Vietnam, I hade received notice
• 39:12
  Speaker 1: of defaulting my credit card and I was like, oh whatever,
• 39:15
  Speaker 1: like I just don't have the energy, were the resources
• 39:19
  Speaker 1: to deal with that at that time. So yeah, So
• 39:22
  Speaker 1: there was that, and then I paid off, you know,
• 39:25
  Speaker 1: my friend, slowly but surely. I started working. I then
• 39:27
  Speaker 1: took up a second job because I was just so
• 39:31
  Speaker 1: motivated to like build back up my Keywi saver to
• 39:34
  Speaker 1: start saving all of that. So I met Ile of
• 39:37
  Speaker 1: twenty eighteen back in New Zealand, I'm be working. I
• 39:41
  Speaker 1: had a lot of guilt coming back home because I
• 39:44
  Speaker 1: was like, oh my god, I've been away for so long.
• 39:47
  Speaker 1: This is going to impact my earning potential. I've come
• 39:51
  Speaker 1: back with very little Keiwi saver, whereas you know, I
• 39:53
  Speaker 1: was like, you know, and I got hung up on
• 39:55
  Speaker 1: that whole comparison thing, like thinking about where my friends
• 39:57
  Speaker 1: were in their life, how much they had in the
• 39:59
  Speaker 1: Keywi saver, what that were earning.
• 40:01
  Speaker 4: Like I was just so like, oh god, what you
• 40:03
  Speaker 4: didn't look at was the fact that your friends were like,
• 40:05
  Speaker 4: oh my gosh, money dost has been overseas, she's living
• 40:09
  Speaker 4: in five different countries. She's on epic, and she's so adventurous.
• 40:13
  Speaker 4: I wish I us more like her. And you're looking
• 40:15
  Speaker 4: at them being like, oh her wish I was so
• 40:16
  Speaker 4: good at money. Like we just forget to look at
• 40:19
  Speaker 4: how good we are ourselves. We just look at the
• 40:21
  Speaker 4: highlight reel of somebody else's life and go, I want that,
• 40:25
  Speaker 4: Like if I don't have that, I must not be good.
• 40:27
  Speaker 4: It's ridiculous.
• 40:28
  Speaker 1: Yeah, And I guess that didn't really hurt me until
• 40:31
  Speaker 1: the pandemic rolled around and I was like, oh my god,
• 40:34
  Speaker 1: I have lived a life, you know, like I've lived
• 40:37
  Speaker 1: in these places. And then you know, we weren't really
• 40:39
  Speaker 1: able to do that again. I mean, you know, we
• 40:41
  Speaker 1: well eventually, but yeah, it made me like more grateful
• 40:43
  Speaker 1: for the experience. So yeah, twenty eighteen, Yeah, that's probably that.
• 40:48
  Speaker 1: And I yeah, continue to slowly pay off my dits
• 40:51
  Speaker 1: throughout twenty eighteen through twenty nineteen. I finally moved out
• 40:54
  Speaker 1: of my parents' house, so I got back on my feet,
• 40:56
  Speaker 1: thanks Mom and Dad. And I found that she's on
• 40:59
  Speaker 1: the Money podcast. I think that must have been twenty nineteen,
• 41:02
  Speaker 1: is it when you guys right, yeah, And I remember
• 41:07
  Speaker 1: like because I was like on this mission, I was
• 41:08
  Speaker 1: like halfway through my mission, I already paid down paid
• 41:11
  Speaker 1: down a lot of my you know, little debts, and
• 41:13
  Speaker 1: I never celebrated that because I didn't feel like I could,
• 41:15
  Speaker 1: which is said, so yeah, like the podcast at their
• 41:19
  Speaker 1: time is like everything, you know, because I was like
• 41:20
  Speaker 1: on this mission, I was like, yeah, these women resonate.
• 41:23
  Speaker 1: I was like, oh, I yes, that was really nice.
• 41:27
  Speaker 1: I got quite significant and come increase at a time,
• 41:30
  Speaker 1: which was nice and helped me pay off my debts
• 41:32
  Speaker 1: faster than in twenty twenty. They were all done, the grandma,
• 41:36
  Speaker 1: the sister, and the friend of my credit card.
• 41:39
  Speaker 4: Yeah yeah, yeah, So that was like the best feeling
• 41:43
  Speaker 4: it was.
• 41:44
  Speaker 1: But I couldn't tell anyone, you know, like I was
• 41:47
  Speaker 1: just like, oh my god, Like I remember exactly where
• 41:49
  Speaker 1: I was. I remember making like the final lump sum payment.
• 41:52
  Speaker 1: I think it was like a thousand dollars. I was like, yes,
• 41:53
  Speaker 1: I'm gonna get rid of it, and I rememberizing this
• 41:55
  Speaker 1: coffee shop and then just went like okay, cool, you know,
• 41:58
  Speaker 1: like it.
• 41:58
  Speaker 4: Was it's like this underwhelming moment where you're like I
• 42:04
  Speaker 4: wish I could jump up and down and celebrate this,
• 42:06
  Speaker 4: but like, nobody's gonna get it. And I get a
• 42:09
  Speaker 4: friend that knows I'm in this debt, so I can't
• 42:11
  Speaker 4: call them and be like, hey, Jess, I'm out of debt.
• 42:13
  Speaker 1: Just be like you were in debt.
• 42:15
  Speaker 4: Yeah, fully relate to this.
• 42:17
  Speaker 3: The day that I paid off my last credit card,
• 42:19
  Speaker 3: because I've said before I was in pretty significant dent
• 42:22
  Speaker 3: prior to like finding the community, and I remember I
• 42:25
  Speaker 3: like walked into my bank at like five o'clock. It
• 42:27
  Speaker 3: was at the end of the work day. I paid
• 42:28
  Speaker 3: it off, and I walked out and I got on
• 42:29
  Speaker 3: the tram and like sat on a peak hour tram
• 42:31
  Speaker 3: with one hundred and seenty people and I'm like, are
• 42:35
  Speaker 3: and the streamers and the celebrations and people dancing? Because
• 42:39
  Speaker 3: it's such a weird disconnect because obviously, for you, you've
• 42:42
  Speaker 3: worked so hard to get here, right, You've paid off
• 42:45
  Speaker 3: all of these people, and you've moved to all these
• 42:47
  Speaker 3: countries and done all these things, and you finally got
• 42:50
  Speaker 3: there like this thing that you'd been working towards, and
• 42:53
  Speaker 3: then you're like, okay, it's done. Now, what did you
• 42:56
  Speaker 3: have a plan? Were like, Okay, now I can save
• 42:58
  Speaker 3: or what was your next day?
• 43:00
  Speaker 4: I guess after that.
• 43:01
  Speaker 1: I think after that, I was like, okay, maybe I'll
• 43:04
  Speaker 1: like devil in this chaeres ease thing like you. I
• 43:07
  Speaker 1: was like, okay, Like so, yeah, I did open an account,
• 43:11
  Speaker 1: and you know, I didn't really like do much with
• 43:12
  Speaker 1: it for some time, just sort of set idle. And
• 43:15
  Speaker 1: then like the month after I paid off all of
• 43:18
  Speaker 1: my debts, I actually got a new job and I
• 43:20
  Speaker 1: got another significant and come increase, which was nice. I
• 43:23
  Speaker 1: think that took me to like ninety k and I
• 43:25
  Speaker 1: just felt like I could really enjoyed that. You know. Yeah,
• 43:28
  Speaker 1: I was like, oh my god, how nice you can
• 43:30
  Speaker 1: enjoy my money. I've paid off everything. I can really
• 43:33
  Speaker 1: like do something with this extra teen thousand dollars A yeah,
• 43:37
  Speaker 1: you know, I was like I am.
• 43:38
  Speaker 4: Not going to be going towards it anymore.
• 43:40
  Speaker 1: Yeah. I was like, I'm not going to fall victim
• 43:41
  Speaker 1: to like the lifestyle creep. I remember that was like
• 43:43
  Speaker 1: an episode at the time, being like that will not
• 43:46
  Speaker 1: be me. That will not be me? Was Yeah. That
• 43:51
  Speaker 1: was that. Then in twenty twenty one, my partner lost
• 43:54
  Speaker 1: his job, which was quite challenging. I suppose he's a
• 43:58
  Speaker 1: professional athlete, so he normally has like a part time
• 44:02
  Speaker 1: fixed and come gig and then he'll you know, make
• 44:05
  Speaker 1: additional bumps of money when he does his little events
• 44:09
  Speaker 1: or whatever. So that was quite hard because we lived
• 44:11
  Speaker 1: together and at that time we didn't share finances, so
• 44:14
  Speaker 1: that was like a really interesting dance between us. But anyway,
• 44:18
  Speaker 1: and about March that year, we decided that we would
• 44:20
  Speaker 1: move to Australia because you know, he would travel here
• 44:22
  Speaker 1: quite often anyway for his fights. I mean, then when
• 44:25
  Speaker 1: the trans Tasmen bubble clothes, that just made it impossible.
• 44:27
  Speaker 1: So we're like, okay, like, look, let's just do it.
• 44:30
  Speaker 1: And so then, because I wasn't paying off my debt,
• 44:32
  Speaker 1: we saved altogether about twenty six and a half thousand
• 44:37
  Speaker 1: dollars and then I know, in such a short amount
• 44:39
  Speaker 1: of time to come to Australia, and then we were
• 44:41
  Speaker 1: gifted like an additional two or three thousand dollars, which
• 44:44
  Speaker 1: was really nice. So we were able to move here
• 44:46
  Speaker 1: really comfortably, and we did so oh yeah.
• 44:49
  Speaker 4: That would have been such a special period of time
• 44:51
  Speaker 4: where you're like, wow, I'm moving and I'm not feeling
• 44:53
  Speaker 4: financially stressed or stretched like it would have been such
• 44:56
  Speaker 4: a different story than the ones you've experienced previously.
• 44:59
  Speaker 1: Right where we were like I need to find a
• 45:01
  Speaker 1: job in three weeks, where it's like I have a
• 45:03
  Speaker 1: long time to find a job that I want, you know,
• 45:06
  Speaker 1: I can wait for the right role. I don't need
• 45:08
  Speaker 1: to like you know, see, it was really nice. So
• 45:11
  Speaker 1: I think we've been here for nearly twelve weeks in
• 45:13
  Speaker 1: totally we haven't received any income and it's just been
• 45:15
  Speaker 1: still very comfortable. We've been able to holiday and shop
• 45:18
  Speaker 1: and like all those things, you know, Like it's been
• 45:20
  Speaker 1: I love that for you so much. Very different experience. Yes,
• 45:24
  Speaker 1: so it's quite cool.
• 45:26
  Speaker 4: What does the future hold? Where are we going? Obviously
• 45:28
  Speaker 4: you explained that maybe property was something you were going
• 45:31
  Speaker 4: to look at, and you've said that you've started reinvesting
• 45:34
  Speaker 4: with shares eas But what are you up to? Like,
• 45:37
  Speaker 4: what's the plan? What a next steps? You've got this
• 45:39
  Speaker 4: epic job. Is your partner working again?
• 45:41
  Speaker 1: He still hasn't found a job yet, but like we've
• 45:44
  Speaker 1: got time, so there's no real pressure there. He does
• 45:47
  Speaker 1: have a few events lined up, so that's like an
• 45:49
  Speaker 1: income stream for him. But we have entered a new
• 45:51
  Speaker 1: phase of our relationship. Since moving, we've combined our finances,
• 45:55
  Speaker 1: so we've moved here, we sort of put everything into
• 45:57
  Speaker 1: one account to begin with. So probably, like I do
• 46:00
  Speaker 1: have a few administrative goals for us, because now we've
• 46:03
  Speaker 1: got pockets of money. He's got his New Zealand, I've
• 46:06
  Speaker 1: got two New Zealand accounts, We've got this Australian account
• 46:08
  Speaker 1: and I'm going to be paid monthly. So there is
• 46:11
  Speaker 1: a bit of administrative work to do around managing our
• 46:15
  Speaker 1: cash flow and how we you know, mat that out
• 46:18
  Speaker 1: of it. So that's that that's probably like the first
• 46:21
  Speaker 1: cab off the rank. The next one for us is
• 46:23
  Speaker 1: just sort of making sure that we continue to meet
• 46:26
  Speaker 1: you know, obligations that we have in New Zealand, such
• 46:28
  Speaker 1: as our student loans and you know, we still want
• 46:31
  Speaker 1: to put money into our key we saver. But yeah,
• 46:33
  Speaker 1: I do want to get quite serious about automating my
• 46:36
  Speaker 1: d misting, which we've already talked about. But yeah, I
• 46:38
  Speaker 1: think those are probably like the first pieces on the
• 46:42
  Speaker 1: horizon for me.
• 46:44
  Speaker 4: Yeah, gosh, that is so so exciting. I feel like
• 46:47
  Speaker 4: this money story has been one that is I don't know,
• 46:51
  Speaker 4: so relatable. At the same time as being so unrelatable
• 46:55
  Speaker 4: with the five countries and like the moving around, like
• 46:58
  Speaker 4: I definitely haven't done that, But the feeling around money
• 47:01
  Speaker 4: I think are relatively universal, like the anxiety around debt
• 47:04
  Speaker 4: and the guilt and feeling bad and then having so
• 47:08
  Speaker 4: many debts and it feels like it's overwhelming and all consuming,
• 47:12
  Speaker 4: and then finally getting out of it and having this
• 47:14
  Speaker 4: feeling of oh is about it? Like no one's gonna
• 47:17
  Speaker 4: come up to me with a bottle of champagne and
• 47:19
  Speaker 4: poppet and spread everywhere, like is that not what happens
• 47:22
  Speaker 4: when you get out of debt? So I'll celebrate it
• 47:24
  Speaker 4: like I would jump up and down. I'm sorry it's
• 47:26
  Speaker 4: a bit delayed.
• 47:30
  Speaker 1: Yeah, it's nice to sort of feel like I've come
• 47:32
  Speaker 1: full cycle, and it's nice to appreciate that it was
• 47:36
  Speaker 1: a long game, like it took, you know, and I
• 47:40
  Speaker 1: still wasn't willing to give up my lifestyle. Like you know,
• 47:44
  Speaker 1: there are obviously people that live by, you know, fire
• 47:47
  Speaker 1: schemes and you know all those like really extreme pathways
• 47:50
  Speaker 1: to financial freedom, but they just wasn't realistic for me.
• 47:53
  Speaker 1: I still wanted to live my life. So yeah, just
• 47:56
  Speaker 1: nice to me on the other side. Oh my god,
• 47:58
  Speaker 1: how nice is it to be comfortable? Oh God, I
• 48:00
  Speaker 1: love it.
• 48:01
  Speaker 4: But unfortunately that is all we have time for today.
• 48:04
  Speaker 4: So just before we head off, we'd like to acknowledge
• 48:07
  Speaker 4: and pay our respects to Australia's Aboriginal and Torres Straight
• 48:10
  Speaker 4: islander peoples. They're the traditional Castordians of the lands, the
• 48:14
  Speaker 4: waterways and the skies all across Australia. We thank you
• 48:18
  Speaker 4: for sharing at the caring for the land on which
• 48:20
  Speaker 4: we are able to learn. We pay our respects to
• 48:22
  Speaker 4: elders past and present, and we share our friendship and
• 48:25
  Speaker 4: our kindness.
• 48:26
  Speaker 3: The advice shared on shees on Money is generally nature
• 48:29
  Speaker 3: and does not consider your individual circumstances. Ches On the
• 48:32
  Speaker 3: Money exists purely for educational purposes and should not be
• 48:35
  Speaker 3: relied upon to make an investment or financial decision. And
• 48:38
  Speaker 3: we promise Victoria Divine is an authorized representative of Infocused
• 48:41
  Speaker 3: Securities Australia Proprietary Limited ABN four seven zero nine seven
• 48:46
  Speaker 3: seven nine seven zero four nine AFSL two three six
• 48:50
  Speaker 3: five two three.
• 48:51
  Speaker 4: See you next week, guys.
• 48:52
  Speaker 1: Hey,