Latest / The Curve / RTC66: Cash baggies and other millennial money saving tips with Sharyn Casey

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RTC66: Cash baggies and other millennial money saving tips with Sharyn Casey · The Curve

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Welcome to Raising the Curth, a podcast designed to teach you everything you need to know
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to be better with your money.
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And the wise words of Amy Schumer were slipping carrots into the brownie recipe.
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I don't really get the saying.
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It's kind of like eating vegetables that actually taste good, you know, it's still not
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waiting.
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Are you on the script?
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It's basically like saying, investing in finance can be boring, but it totally doesn't
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need to be.
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OK, OK, so we're making it fun by putting the carrot, the vegetables are good for you.
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It's the brownie recipe.
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OK, we got there, we got there.
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OK, OK.
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Well, you've really got a finance mate.
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Yeah, one of us has to.
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This is a joke.
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OK, come and learn alongside me from Vickaris, ex-fun manager.
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Well, I'm going to ask all the questions that you wish you could.
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And I'm going to be eating all the brownie you wish you could.
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It's so not the joke, Vick.
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OK, just come and talk and learn and laugh with us.
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Because together, we really can raise the curve.
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So we've got Sharon Casey in studio.
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Hello.
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As an old friend, we used to work together at MediaWorks, which is so nice to see you,
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you know, and you're like, God, we need to catch up more.
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But then it's like seven years.
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Yeah.
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It's been so long.
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We've had two babies.
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Whoa.
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I know.
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But when my first proper producing job, Shares was the news girl on breakfast for J.J.
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and Mark and Don.
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So we were all up in our trackies looking like absolute asshole, trying to make her way
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through the morning.
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Living the best life.
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I was at that point, also, the music director and the day's host and also kind of did stuff
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for their breakfast show.
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They really got your...
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They really got their money's worth the nice days.
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You can do this.
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And this?
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Yeah.
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Totally.
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Oh my god, that's so funny.
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But she got here.
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And I don't know how we start talking about 818 to Kayla.
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Because you had it on the bed.
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That's right.
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Yeah.
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So really I put it in my morning coffee.
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And I actually said...
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This morning, I woke up thinking, I probably sat two hours last night.
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I don't know why I've just been having issues sleeping and I thought, maybe I needed
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to Kayla.
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And then as a joke, I said, she went to a show and Shares was like, I'm keen.
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Yeah.
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I mean, it is.
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It's 10.30.
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Here we go.
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Cheers everyone.
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Cheers, cheers, cheers.
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Oh my god.
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Oh my god.
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Actually, not that bad.
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Not that bad.
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It's not that bad.
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It's burning by Mark.
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That I was a bit.
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818, if you want to sponsor us, I would be very, very strong.
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That would be good.
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Then you could get Kendall Jenner on the podcast.
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Oh.
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But we've got Sharon Casey.
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Well.
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Same thing some would say.
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Yeah.
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Exactly.
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You guys actually look very similar.
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Yeah.
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Just realising, very similar.
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It's just because I've got my slots to rent.
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Do you know what happened yesterday?
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I was on my way to dinner.
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And this girl, who was probably 24, was like, Sophie.
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And I was like, oh my gosh, who's that?
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She's like, I love the podcast.
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I listened to the podcast.
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And she was there with her friend.
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She's like, I send it to all my friends.
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I honestly, I'd had such a weird all over the show day.
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And I was like, I cannot believe that is so cool.
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That's awesome.
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I mean, you must have that happen all the time.
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But I was just like, I don't know.
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I had this moment of, wow, that there's people who listen
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to this podcast and love it.
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Yeah.
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And how cool was that?
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They're like, hey.
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I think that's always like a cool thing.
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It's like when you work really hard, it's something
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and you're really passionate about it.
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And that it's connected with somebody.
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It's like really cool.
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But the fact I love when people are like, oh, I shared that
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with my friend or blah, blah, blah.
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Yeah.
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And that's kind of, yeah, I reckon that's like the coolest feeling.
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Especially when they're young and young.
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Well, she was 24.
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She's like, I've just finished uni and I've started investing
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in index funds because I don't have heaps of money.
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But I've just started investing.
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Thanks you guys.
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And I was just like, this will change your life.
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Yeah.
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Not in a dramatic way.
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But if I'd known that at 24, how much more money I would have now
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is crazy.
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This will change your life.
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Change really.
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Change your life.
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Change your life.
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And if you've seen it, you have a free car.
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Yes.
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It's true.
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She's always been a hustler.
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Even yes.
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Who do you own, her name?
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I can't remember.
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Honestly, I was in such a fluster.
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I wish I could.
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I always get those kind of people when I'm wasted.
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Oh, yeah.
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And I'm like, oh, cool.
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You're super open about it.
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I'm just so good.
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I just really need to practice.
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Amazing.
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Thank you.
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Really flooded.
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I think their name.
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Yeah.
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But then someone's like, oh, it's probably because they're
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but drunk as well.
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And they feel confident to come up to you.
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And I said, true, okay.
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Also, I think people just like connect with you.
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And that's what I've always loved about, you know,
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radio and podcast and stuff is people connect with you
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as like a mate.
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So when they see you,
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they've made this connection with you where they feel like they know you.
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And so they're like, hey, how's it going?
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Like they, you know, and it's because it's quite an intimate experience
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to a podcast or radio.
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And so when they see you, it's not as weird for them
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because you're their friend.
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I used to do that with people.
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But that makes sense.
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Like when I'd say like, short and straight stars,
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I'd be like, oh, my God.
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Oh, no, they don't.
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Yeah.
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No, mate.
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Yeah.
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It's cool though.
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Hey, Chris, what?
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No, you don't know me.
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If I click, sorry.
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That used to it though.
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Or someone you've been creeping on Instagram and you're like,
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oh, no.
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She's the worst.
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I mean, I love you.
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But like, thinking before you speak in those situations,
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it's not like,
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like, bounding up someone,
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being like, how was your aunties birthday from two weeks ago?
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And then I'm like, oh, you don't know me.
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But she does shit like, I would tell her,
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I'm like, I'm going for dinner with somebody
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who I've not even really like floated with yet.
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And I'm like, oh, do you know this person?
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And she's like, oh, yeah.
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And then she'll see them out before the date
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and be like, oh, are you dating Sophie?
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Oh, no.
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And they'll be like, oh, my God.
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I then cancel the date.
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And I'm like, Vic.
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I had to sit down and be, I'm sorry,
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that this is not all good.
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Oh, God.
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I'm just trying to make conversation, you know?
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And then as soon as the words come out, I'm like,
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oh, gosh.
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You can't take them back.
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Yeah, mate.
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They're actually having to be once with,
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um, I followed,
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she was on crowd goes wild at the time.
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And, uh, we ended up having like quite a few
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mutual friends.
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And I'd follow it for ages.
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I think I just thought she was such a great presenter
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and she'd great human.
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And then, um, I was at Odets one morning.
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We had never met in real life but followed each other
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on Instagram.
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And we were like, hey, how's it going?
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We like hugged each other.
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And then we're like, hmm, and then Arch,
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I could tell that both of us were like,
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we've never met in real life before.
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And we just hugged because we've walked on Instagram.
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It was really weird.
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Instagram. It was really weird. But now I feel like I can hug her if I see her.
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But that's probably how people fell in terms of listening to you on radio too.
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Because how have you been on, on, on the age four? Is it like 12 years?
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17. Oh yeah. So I'll be 17 years at the edge in a couple of months and 18 years in radio.
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I'm not sure. Yeah. Congratulations. That is incredible.
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Yeah. It's really cool. It's awesome to think that like you've grown up there.
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Yes. I have. I've definitely grown up there. I've been through a lot there and
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like I remember being 13 sitting outside the palms in Christchurch and
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my mum's in the bank and I was like going through and I discovered the edge
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and I was like oh my god this station it's amazing and I like I will work there.
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Even since then like I remember it so vividly and was like wow.
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And now amazing. We just got the internet so I went home and I was like googling it and stuff
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was quite exciting. I kind of feel like I'm on the edge right now.
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Just like hearing, hearing your voice.
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Oh my god she's going to fangirl out.
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Just get very cool.
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Be cool.
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You are.
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So Shaz you've worked there for 17 years in terms of
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salaries and pay rises and that kind of thing because a lot of people would never
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have been in their job for that long.
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You know it's quite rare I think for people often in jobs you
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the reason you get pay rises or you leave is because it's been a money right but you love
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your job. Obviously you wouldn't be there still if you didn't.
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How have you managed that in terms of from a financial standpoint where you can still feel valued
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and sort of see pay rises. I mean heavy head pay rises. How has that kind of worked over the years?
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My first contract I signed when I was working for more of him in the wider
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upper was $21,000 a year and I don't know how I survived all that but my rent was $100 a week.
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I lived in Macedonia. We had a four bedroom house for a hundred bucks a week.
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A hundred dollars each I know and remember at university my flat was $80 so fab.
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We had like a full sleep out front yard backyard it was sick but yeah so I started off there and
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then when I came to Auckland my first job at the edge I started on like 30 grand a year and I started
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at the edge on 35. Yeah and so I was but when I got 30 I was like holy fuck and it's funny when
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you see it when you see it doesn't love some 30,000 you're like oh god and then when it gets
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taxed and you're being count you're like yeah and you're student loaned all that stuff yeah so I
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think that it was really instilled in my sisters and I like our whole life where you
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you are what you negotiate so you have to keep like hustling and if you work really hard then
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the goods will come and so I was kind of like well I got 21 grand now I get 30 grand and then I
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remember going I was doing days I was the music director I was doing days music director reading
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news and I was helping like with the breakfast show at the same time and I was I think I was getting
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like 45 grand was something two four different jobs and I went to and I was working weekends and
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that was the first time I really like when and insult myself to my boss and like did a standoff
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kind of negotiation and how did that feel was terrifying I absolutely hate talking about money
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in those situations like if I go to buy a car like with my husband I will ask all the questions
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that I want to know about the car and when it comes to the negotiating part I just walk away
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because I don't like I don't like I think it's because I was like bullied at school I don't
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like confrontation and I only have confrontation with people I feel comfortable having confrontation
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which is pretty much just lay on our big boss at work and Bryce my husband I kind of that was
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my first negotiation and lay on was like okay cool and he was really good about it and then once
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I like moved to drive the afternoon just anyone who doesn't know radio I would say crown jewel
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would probably all the crown jewels would be driving breakfast in terms of a radio is that because
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listenership is the highest yeah and they used to be used to be like breakfast drive blah blah blah
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more on power is not yeah breakfast and drive are pretty much the same
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listenership these days in terms of sponsorship or ads that would be pretty on par with what they
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would sell into Sharon's show as to what they wouldn't do first and so when I moved into that
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that's when I started to use Liz my agent because I don't like having those conversations
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she knows what the market value is she is better at that stuff and then I can just focus on my
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job and she negotiates that for me and does she take a fee for that yeah so you pay them a
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percentage that you negotiate and and that kind of comes out of your thing but for me I would
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earn less money than my commission if I didn't use her like so she's worth her weight and gold
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and she's just a great support person to have like a favor have any conflicts that I feel like I
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can't handle by myself she's like my my backup and she comes and helps me in stuff so she's
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like yeah I love that if I could but yeah but she so with that I think I've always just my
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motto has been like you are what you negotiate I earn enough to pay my bills I earn enough to be
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happy I don't want to work somewhere where I'm miserable just to earn a bit more money for a
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short amount of time like I love working for the people that I work for I love the people I work
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with I love the brand I work for and so far as long as I'm happy as long as I can dot my eyes
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cross my toes or whatever then that's cool with me I guess but my family says never really
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been driven by money in that way which we've always been driven by like happiness and loyalty if
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that makes sense yeah I honestly would say I think you're one of the most loyal people I know
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which is interesting because I know we haven't hung out in a long time but you know those people
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who are so you know you would never hear you say a bad word about the people that you love and who
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are close to you and I think and there's not really annoying yeah but I think but I think that's
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different it's like you're it's more like ingest you know and I truly think like for so many of
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your friends you would stand in front of a bus for them like so I was so so loyal and that's actually
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quite rare and I think especially in the media industry where it can be quite competitive and a
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lot of your good friends are within the industry there is kind of a scarcity mindset I may think
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there's the female side of things where it's like there's not that many female co-hosts so there's
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the whole like well you know I don't want to lose my job and I think that feeds into not taking
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as much maybe parental leave as you might want to have or you know you might not take time off
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because you're scared you might not get another job which is so fair enough because if you look at
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the radio industry or the media industry and you learn and you pick out who are the top female
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presenters there's not a huge amount of spots for that so I get that but then to on top of that be
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super loyal and encouraging of the people around you and teaching and nurturing young talent I think
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that is like one of the greatest not talents but I think it's a it's just such a lovely quality to
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have in an environment that unfortunately sometimes can feel quite competitive yeah and I think that
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it was like maybe made competitive by men totally if that makes sense so I like with parental leave for
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example I took but I remember talking to you because you're working for Kyle and Jackie yo when I
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was pregnant with my first time Tyson and I was like oh my god I'm like really scared like I'm
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going to lose my job blah blah blah but when I actually that's such a crazy mindset and I don't
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know you're the only person but it's also a mindset not just with immediate like yeah I totally
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even my friends that are you know with agencies or work in retail like a same thing I think is like
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if you've built your career and then you're but like you're about to have a child which is most
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amazing thing in the world and you're like fuck yeah I'm still going to have my job but when I
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vocalize that like I said to like Leon who's our big boss I was like I'm really like we've been
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out for breakfast and I was like I'm really worried like I don't want you to replace me like what can
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I do while I'm away and he was like here's like how long do you want to take off and I was like
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honestly Leon I'll take like 12 weeks I'll just take 12 weeks and he was like Sharon I'm going to
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take I'm going to block you out for a year and you just come back when you want to come back oh my
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god bless and I was like I promise you don't only do three months and he was like Sharon I don't
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expect you back six months he's like I don't want an answer before six months he's like just enjoy it
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you're only get it once and I was like okay so I ended up after Tyson I got to five months and
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then I was like can I come back after I've had a holiday and so I ended up having eight months
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off and it wasn't a problem but also I was working with John on being at the time and they were
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incredible because they both have kids they've had wives that went on maternity leave and they
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were amazing they would text me all the time they would call me all the time they came over
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and visited me and they were really supportive and and John I was John I was especially
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and been as well they were very much like no one's going to replace you we can't wait have
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you back and they were really awesome kind of the support and the reassurance you needed
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yeah cool yeah so that was really great and so then we know when I went on maternity leave with
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Rubin I he was a premature so he was like 11 weeks early I was in hospital for six weeks before
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he was even born and they were again they were great they're like Sharon radio doesn't matter
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that only thing that matters right now is you and the baby so just do it do you think that that's
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like a because they've had kids they get it and they obviously love their children and their wives
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or do you think that because like I think even if someone who has had kids or is in a relationship
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I'm just so amazed with that kind of response like I yeah I don't think it's the norm yet
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no I think it's individualized yeah it depends on the human even like my friends that I know
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at medius for they went on holiday I know that they've been told by Leon they're like you've got
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a I hope it doesn't mind I'm saying this sorry Leon but he'll be like hey make sure you cash out
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your annual leave before you go because it accrues while you're on maternity leave so if you don't
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use it now when you come back it'll be worth nothing so cash it out now so you get it at the
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full rate I just think that is like and I need a good management and a lot of people don't know
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that yeah and so a lot of people would take their annual leave and come back and be like oh
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fuck I've only got a quarter of what I would normally get paid so he would always be like you've
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got three weeks annual leave cash it out so you get it at its full value you're like okay great
16:06
but then there are so inspired by that because I just think there's so many bosses where you hear
16:11
stories that are kind of horror stories to hear there's like someone that's so in your corner
16:15
that feels almost like a not a dad but kind of you know it doesn't matter to me then you get
16:20
employees that stay for 17 years you know if you treat them well and that's like you can't
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put a price on that yeah to be honest that is a huge part of why I have stayed at media works
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and a huge part of why I love working the edge is because I've always had Leon's always been such
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a great manager to me human to me and he tells me the harsh truth when I need it we've definitely
16:45
had our ups and downs but I love that if it came to it he would have your back in the situation
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and I love that about him Leon doesn't sponsor this podcast he doesn't and I don't have I don't
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have a contract up either so he's already fucked he stuck with me but there's also there are
17:04
women with that out industry that have had you know they go on and maternity leave for like three
17:07
months and then they come back and a lot of people think it's because they're scared they're going
17:10
to lose their job but it is actually because they're the breed winners in their house so they come
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back and they're because you can split maternity leave it doesn't have to be the woman yeah it can
17:20
be you could do six months they do six months and so like a couple of my friends that have done
17:26
like the three months maternity leave their husbands have been to stay at home dad so that's why
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they've gone back but a lot of people because they used to like the woman has to take a year off
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they're like oh they've come back early because it insecure they've come back it looks insecure
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they're coming back because of the other ones making the money and the dad is being the stay at
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home dad yeah and I think that's amazing I think it'll be really interesting when pay becomes very
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equal and that isn't a gender pay gap because because at the moment obviously there's a lot of
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women who are earning less than men and therefore financially it makes sense for them to be
17:56
set at home months because maybe childcare is more expensive they're earning expensive oh my gosh
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I was talking to a friend the other day and she was like she's had a wits end with her job and
18:04
she's like you know what you literally pay me the amount that I pay to take yet so I'm literally
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like neck neck she's like I could be at home with my kids and not working not paying for childcare
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she's like but more mentally she's like I need to stay at work for my mental sanity yeah and my
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my career and all that but she's just like you know what like it's just child care so expensive
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so expensive and even especially after COVID it's even more expensive because there's more people
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that don't want to send their kids to candy and stuff because of COVID and because the least
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people were getting in through the borders there's not as many like opiers that come in from
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Europe and things like that so it's yeah it's definitely way more expensive and harder to find
18:42
like good childcare so you have to pay through the roof when you do get it there's a business
18:46
opportunity isn't it what are you gonna be you're gonna be a stay at home nanny for the whole of
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Auckland yes honestly you're gonna make some mean cash we can call it the little curse yeah yeah
18:55
you shouldn't it's a smart idea will you teach them button visiting one or so babies in
18:59
these exactly now kiddies is this one or two dollars like I can't talk here you're like I don't
19:06
care the baby billion hour cloud yes I love it I want to and can I ask you and again also is
19:15
anyone feeling like really great I feel quite drunk yeah I feel good but I also like I've got like
19:21
a I want another shot I've got like a sore side is and I like feel like we're gonna sniff
19:25
for the outside sound like blocked out just like that then I want another one it's sorry you're
19:28
doing like sure let's get pissed he's getting pissed oh you sound like a such a mom no you can't
19:34
get pissed because then you're gonna be like oh you got summer from Timmeroo on the
19:37
podcast and then like saying I'm getting you pissed I would have pissed for ages I feel like
19:43
there's off-brand for you pissed I'm trying to bring back uh Frenching instead of
19:47
like you guys are doing some Frenching so I'm gonna bring that I like that so it's been doing
19:52
some Frenching excuse me was that was someone called Christopher because I just saw a message
20:00
what that on social beefers name you're not editing this but thank you we're filming
20:08
we're filming on her phone and I just saw a notification come down and it was like Christopher
20:11
heart heart heart oh my god it was totally no he's seen hearts no he did oh my god with an
20:18
eggplant emoji do you want me to okay absolutely not stop it oh no no that was good that was
20:25
that was sorry I didn't want to read it this word come up and I was like oh so if it's a tell me
20:29
about Christopher hi Christopher I must say I do feel like I'm a little bit of a fuck girl at the
20:34
moment just in June right I'm in a real good day see like it's fun why not I know oh
20:40
when it rains it pours yeah just liberate you can't believe that just happened honestly if you
20:47
that is so good don't call it being a fuck boy just call your one other kid you're just having fun
20:52
and as long as you're safe and you're not condoms always condoms always as long as you're safe get
20:57
out there and have fun yeah that's what I say I wish I had it's weird you say that I think you pulled
21:02
sorry I think it is the microphone yeah good good fuck I hope it was a juicer over here
21:13
she is so drunk um what was I gonna say you're gonna ask shut up you're gonna ask your
21:19
question that you were I didn't have to answer which made me very intrigued I was just gonna
21:23
say because you and Bryce are Bryce that you know and that doesn't know as Sharon's husband
21:26
of gosh I don't know ten years a long time Bryce is also a would we say radio media personality
21:31
of some description do you guys obviously talk about a salaries and compare that and then also I'm
21:37
curious to know what your setup is financially and how and does that work for you so we moved in
21:43
together must have been like a year or something that we were together man we moved in together
21:50
within like 18 months and when you know you know when you know you know um but from the moment we
21:56
moved in together we just merged everything yeah and which was a high risk scenario for Bryce because
22:03
he owned he owned an apartment in Ponzi me so there was no like I said to him before we got
22:11
married I was like do you want to do like a yeah like do you want to do like a prena prena because
22:16
you were he's like no I was like well if we break up it means I can take have he's like we won't
22:21
break up and I'm like okay your risk yes and we I am actually going to take it yeah Bryce is
22:30
like super good with money he's really really good whereas I'm a spender he's a saver and so he
22:36
from the moment we moved in together it was like okay you get this much spending money per pay
22:41
I get this much spending money per pay and was that based on percentages of what you earn or how did
22:45
you do that so just even so he get paid and I get paid put it together you both get 100 bucks for
22:52
petrol 300 bucks spending money that's so good and then your farm bill boom what if you got for
22:57
dinner it's like oh can you pay if you can you pay for like your money and then I so we even we do
23:04
that now like so even to this day as soon as I get paid I take what is the budgeted spending money
23:09
I pay my credit card and I if I have a phone bill or like gym or something like that and then I
23:15
give him all my money and he just like does something honestly honestly when ever somebody dies
23:20
I'm always like the my first thought is like oh fuck if Bryce dies I don't even know who
23:25
are powers with and I always got to I'm like Bryce can you just make sure you leave somewhere
23:32
the password in your will can you just write a list of who the powers with so good when I pay what
23:39
do we pay water I was like you just leave all that shit okay I like it what the boys are bank
23:44
password yeah I don't even have access to our savings account because if I had access to our
23:50
savings account I'd be like oh 100 dollars for Sharon 100 dollars for Sharon so it's yeah so we
23:56
have all of that like sorted like we just put it all together because we kind of look at each other
24:03
look ourselves as a team if we go out for dinner now or if we go out together then yes I don't
24:08
even take my card Bryce got it Bryce slash me yeah yeah yeah but it's like all of our stuff
24:14
together and so yeah but we do do a thing where if I do a tally job then when I get paid for that
24:24
I and now Bryce as well because he's usually stuck at home with the kids while I'm doing it or
24:27
whatever I get to buy like a luxury item what do you choose so I could be like so you get paid
24:34
and then you'll be like oh I might get that deadly pony handbag that'd be wanting for a long time
24:38
and so it's something like that but it's all or it might be we'll have a weekend away or fun
24:43
splurge basically yeah so basically it's something that you wouldn't buy normally but it's like yeah
24:47
so I've got this really cool like purple dearly pony's bag that I bought in 2015 or something
24:53
and I wear it all the time and he runs was like oh Adam was like I got this for when I did
24:56
dancing with the stars and it's like a lot too except it's a purchase yeah pretty much and I
25:00
got these really cool like um cheera for ringy I don't have a pseudonym right I don't even know
25:05
that brand you know that brand she's like a designer but she's though they's really cool like
25:09
the black kind of encrusted did she the tall blonde girl yes and there's got a bird one's got a
25:14
birdie one's got chips but they were like three hundred dollars shows and I felt like a real burgy
25:18
birch it's uh so that's kind of like where the treaty treats kind of come in it's like I think
25:24
that's awesome because you probably don't Bryce probably doesn't budget for those jobs on television
25:29
because they're they're an added bonus right it's like a 10 week filming for dancing with the stars
25:34
or whatever it's not actually your yearly salary anyway yeah and you never know when it's gonna
25:37
happen and also like when COVID happened I lost a quarter of my income and a one minute fun call
25:43
what what was that but when dancing stars got canceled so it was like wow because of COVID and it
25:48
was like I literally I remember getting told I mean like oh fuck and then hanging up and then
25:55
looking at my phone and it was like 48 seconds or something I was like I just lost my job in 48
25:59
seconds and it was a lot of money so it was just like hey just letting you know you're gonna get an
26:03
email about this blah blah blah and I was like oh fuck okay cool and then that happened like a
26:07
couple of times and then you might like the next year like this year I don't know if I've
26:12
got any TV happening this year so you you can't really we never it's like your pocket money
26:17
opposed to your like relied upon yeah we don't rely on it because TV is so fickle and comparison
26:21
to radio it's like radios your wife and TV is your mistress yeah that's how Leon's always
26:28
described it and I think it's very fitting do you have an emergency fund by any chance or do you
26:32
know if Bryce has an emergency fund like savings so we have savings but also have like income
26:39
and yeah yeah yeah yeah because it's like a lot of that would have happened to a lot of people
26:43
and then but it would have been all there income or yeah government support but like yeah it's quite
26:48
it's quite scary and especially when you've got two kids to be like oh my gosh I lost a quarter
26:51
of my income yeah and then definitely like a lot of our friends does that were like comedians and
26:55
stuff during COVID that was the thing you've got it always have like rainy day fund we like
27:00
slam our mortgage as much as we can and stuff like that because we know that our jobs are so fickle
27:07
that you could like if you don't get good ratings or whatever you've got to just make hey well the
27:11
sun shines you know so you're super model do as much as you can because it could be gone like that
27:16
and then you've gone from earning like a good salary to being like oh fuck like and that's my thing
27:22
I always say to Bryce like we need to know how to do something else do you make an effort to
27:27
upskill so that if something happened you could step this way or like what's the sort of process
27:32
for you around that every time before I sign a contract I always at radio I always think do I
27:39
still love this am I gonna want to do this for another whatever year to him I'm gonna sign
27:44
do I want to do this every day is this gonna be the greatest thing I want to do if I didn't do
27:49
that what else could I do and then I kind of like list off and be like okay what life do I want to
27:54
live right now and right now I'm like I want to live that life like I want to do radio so I'm like
28:00
sign it radio until I'm like 40 so like another three years and then when I get to there I'll be like
28:05
do I still want to be on air do I want to have a behind the scenes jobs so that's why I've like
28:09
earlier on in my career I did programming when I was music directors and I love the programming
28:13
side of radio as well so if I lost my job on here I could slot back into a programming job
28:18
tomorrow I could do on air coaching I could do sales sales you do podcasting podcasting you know
28:26
like there's I look over a curve intern by the way I could lose my job tomorrow and so if I lose
28:32
my job tomorrow what would I do yeah because there's so many people that are on air that that's all
28:38
they've done for it's quite a niche yeah and then once that's gone it's like oh what do you do
28:45
like heaps of broadcasts going to real estate afterwards like and do that yeah like there's heaps
28:52
of like old broadcasts like Roed and Christie he's a real estate agent that used to be on breakfast
28:57
Hamish Mackay used to be that's quite fun yeah there's heaps them because you've got the gift
29:02
of the gap right you probably make more money being a real estate agent too but yeah so I do have
29:06
that in my mind where I'm like okay what am I going to do how long do I want to do this and does
29:11
that give you the security or peace of mind to have the confidence to either a negotiate what it is
29:16
you want and you'd work away for but also knowing that your job isn't defining you in every
29:22
sense of the word yes yeah definitely because I think as females we do not sell ourselves short but
29:29
it's like the job is the big yeah the job is the be all and end all and it's like I think it's if
29:34
you figure out what you love and what you're good at then you know your talents you know your
29:38
skills and you can kind of adapt and mold that into something else should then everyone will
29:44
happen that you do lose your job and so it's kind of knowing like did you say they need to do it
29:47
as if it's going to happen so everybody does lose their job eventually yeah you know like
29:52
everyone gets made redundant or they retire or whatever so you've got to be able to do something
29:56
else right so yeah it's telling that you're that you're smart that you've got a talent that can
30:00
be repurposed and yeah it's just having an emergency parachute in case you need it you may also
30:05
just be stuck in a situation that makes you desperately unhappy and why would you you spend most
30:11
of your time at work if you could do something else and not everyone has that luxury and I totally
30:16
understand that but if you could do something else why would you spend most of the time doing
30:22
something that damages your brain you know and that's hard you know and I'm definitely had I've
30:29
definitely had times where I'm like you know what I fucking love this but I don't love it
30:34
enough for it to make me this unwell and I'm not gonna fucking do it and being like okay I don't
30:39
want to do this anymore unless this changes and then they're like okay cool and then we figure out
30:43
how to make it change and if it hadn't changed I would have easily walked away from it and just
30:48
I think that's super inspiring yeah but also but I'm lucky because my husband has a job you know
30:55
there's a lot of people that might not be in that scenario but I would have easily been like
30:59
fuck this because I know what it's like to be like very depressed and anxious and I don't want
31:05
to yeah I don't want to spend most of my time away from my family and then coming home and being
31:11
a piece of shit for them because I'm unhappy yeah so I'm that's my thing I'm like I refuse to do
31:16
that I would rather go on work full-time at Cheetah and love my best life because I would love to
31:22
just design people's cushions. Measure the discounts you get and then you're loud. Oh my god
31:26
they get a minute discount. Oh my god I love it. You've probably looked into it like I won't
31:31
put it past you. I have I've like honestly there's been times in my life where I'm like no fuck
31:35
out I'm gonna see if Cheetah's got a job I know. Just stop back to front. I'm on their website
31:38
every day it's gawking at cushions. I don't need to do it about that because Sharon was in the
31:43
house for 2.5 seconds she was like excuse me how where did she get that chested rules from.
31:47
We were saying we were saying cyborg. Yeah. Do you want to sell it? Let me know. Yeah I'm so
31:53
keen. I'll sell. Hey you've got two gorgeous little kids in terms of money your relationship with
31:59
it. What do you think are some of the key things that you want to pass on to them or help them
32:03
understand when it comes to their relationship with money. So we will not ruin Ed so much
32:10
because he's only like 15 months old but Tyson's five and pretty much from when he was old enough
32:16
to kind of understand. We give him jobs and he has to earn a coin like he earns like a total or
32:22
something. It could be as something as little as stacking the toilet paper away after the that's
32:27
his job. You know and he has like a couple of jobs that he does. He sets the table at night time
32:32
and he stacks away the toilet paper and now he's at a school he helps me make his lunch at night time.
32:37
Basically he would get that and we put it in the money box and so he had to say he really wanted
32:42
to go and see the glow worms away to more caves and so it took him a year but he had to save
32:48
up for the he had to save up for his ticket and then he had to save up for his accommodation
32:55
and petrol. He's going by himself and he's going to get it. Yeah but he had because you've got to pay
32:59
petrol and daddy's car and like and it's also it's so if we're going like say if we were going
33:03
on trips to the Gold Coast he would have to save up for this part he'd have to save up for part
33:08
of his accommodation. He thinks he's paying for it but he's not but it's just so that he learns
33:12
how to save money and we'll go to the warehouse and he goes like he's like Mama I want to get
33:17
this Hot Wheels car and I'm like okay we'll have you got four dollars in your money box
33:21
and he's like oh and I'm like well you make the decision if you want to buy that that's fine
33:26
but you have to give me four dollars in your money box and we get home and so he sits here and he
33:30
thinks about it and he's like that's so good and then he might do it and then as soon as we get
33:34
home I'm like go get your money box and he has to give me the four dollars Sharon I reckon that
33:38
is one of the coolest things I've heard in a long time but that's because that's what my parents
33:41
would do for me we'd always be like asking for money and then our dad was like okay we're going
33:46
to give you $20 a week pocket money which at that time was a shit ton of money we were like oh
33:51
fuck we are so rich and hey we give us $20 a week pocket money and we weren't allowed to ask for
33:57
anything else and so that was it so you had $20 if you wanted to go ice skating and spend
34:01
all that night that's your 20 bucks gone but you get $20 pocket money we're not giving you a
34:05
cent more cent less if you want more than that then you have to get a job and it was the same
34:09
as we wanted to buy label clothes is my mum would call them is that like glassens or something?
34:14
No more like you know if you want to get like a bill of long top oh god rip curl rip
34:18
rip curl borough for all all people out there some dickies yes if you wanted any like a label clothing
34:24
you've had to buy it yourself and so mum would like take us to the mall everywhere we've got
34:28
a pocket money we'd have to like lay by like I bought this roxy jacket I got this roxy jacket
34:34
and it was like $220 and I had to pay it off on lay by I still have it and I use my friends from
34:40
high school mock me relentlessly do you wear it? Nah it's so fun I wore it everywhere my friends
34:46
are like all around like my memory from you from high school is your roxy jacket and holiday
34:52
menthols because I don't always like smoke holiday menthols is so cool and um but I I still have it
34:58
because it's like the first thing I ever bought myself and it's got like cigarette burns and
35:02
shit in it it's like you see baby but yeah it's stained as fuck but I love it and it's so
35:07
symbolic yeah and it's like that's the first thing that I worked really hard for and paid off by
35:12
myself yeah oh I just think the idea of teaching kids I think it's super hard to find the right way
35:18
to do it where it's gonna sink in and they're gonna care like my parents bless their heart really
35:22
really tried and it just didn't for some reason I battled until 30 just really didn't know what
35:28
to do with my money and how to save and how to spend an invest and I think yeah it's such an art
35:35
and so much time and effort that goes into teaching a younger generation about that but I I feel
35:40
like you're nailing it that sounds awesome yeah my day was it's my day works it worked in banking
35:44
before I was retired for like 40 odd years and his thing was like you should save I think it was
35:49
like 20% of your pay which isn't like super that's what you say isn't it yeah it's quite hard to do
35:53
that now but he was like even if you've saved two dollars from your pay as long as you've saved
35:58
something yeah it has to don't just save nothing so you if you save two bucks in your paid you've
36:04
saved something for a roady day and that's what we say like everyone's feeling the pinch at the
36:08
moment and everything's so bloody expensive oh yeah and it's like you know what if you need to cut
36:12
back from investing ten dollars a week then at least just cut it back to like two dollars a week
36:17
but don't stop completely because it's then so hard to emotionally and like psychologically
36:23
yeah get back in the habit get back in the habit yeah and I've definitely done that before I'm like
36:28
oh no you know this month I'm just not gonna it can't even say it remains investments and then
36:32
or something and I'm so red I'm like you're not red at all yeah I've done it before and I've cut
36:42
I've cut back and I'm like oh this month you know like I've got a lot of expenses or I need to
36:46
a lot I've got a lot to pay for I won't invest my money and before I know it's six months and I'm
36:50
like gosh I'm like I haven't got back into the habit and then and then when you do start getting
36:54
back in you're like oh you know it's like a big chunk of your salary going out again each month
36:59
or if you're a spender give it to somebody who won't let you touch it like I had this I had this
37:05
you know even like worse so I really really wanted this black deadly ponies backpack and this is
37:12
back ponies yes I get 20 cents a day or something and I really really wanted it and it was so
37:17
expensive and price was like get fucked is like you are not buying a backpack that expensive you're
37:23
not gonna use it that much you're gonna use it for a year blah blah blah anyway so I said to my
37:28
mum it's like mum I want to save it for this backpack it's out of stock at the moment I'm gonna give
37:32
you um 50 bucks a pay until I have enough so I would give it to her she wouldn't let me touch it
37:37
even if I'd be like mum I need that $50 back I said I'm going to say nope backpack okay eventually
37:43
saved up for it I've got the backpack here I've been using it for eight years I use it every single
37:48
day like you have it here right now yeah it's my work bag I take it to work every day and it's like
37:54
but I had to give that money to my mum and because if I put it in my own account I would have
37:58
spent it and then if I gave it to Bryce I'd be like you are not spending eight hundred hours on
38:01
fucking backpack we're talking about this the other day so I was like can you be can you look after my
38:06
money and I'll give you my savings and then every time I want to spend something I have to ask you I'm
38:09
like yeah oh okay it's a game but if you give it to somebody that doesn't care like I give it to
38:15
my mum and it's like easy as like she would expect that we need to talk about this later because I think
38:20
it says this is necessarily yeah all my mum's hot fire tip which taught me how to budget was uh so
38:26
say you get a hundred dollars a week spending money so you get your spending money out and cash
38:31
and then you go to the bank and you get I would get um because I wanted to buy my lunch every day
38:36
so I would get ten dollars a day per payday so say you get paid four nightly I'd get a hundred
38:44
dollars worth of ten dollar notes so that's ten dollars a day for work and then fifty dollars per
38:48
weekend and then I had two plastic bags in my like little money bags in my jewelry box every day
38:54
I'd take a ten dollar note out and then when I went to town I'd take the fifty and that was all I could
38:59
spend and holy shit it was like game changer I never needed to ask anyone for money and it just
39:05
really taught me how to like that's a brilliant turn yeah I just like if you can see it it's better
39:09
than especially now pay way I think it's psychologically back in the day it would have been a lot
39:15
easier to say yeah because you were literally handing over money whereas now you just tap or you
39:19
like yeah it's just kind of emotionally different I think yeah yeah and you check your bank
39:26
balance goes oh my gosh yeah fifty dollars last until next Wednesday like Jesus oh yeah it's
39:32
crazy it's so it's hard at the moment just guard on heaps of dates babe and get them to pay
39:37
oh my oh my oh my oh my you can spot your hamburger burger or something I really hope
39:44
he's not listening to this um Sharon I'm aware that you are a fury busy girl and you're a good girl
39:49
but thank you so much for coming on and like yeah it's been great it's been so fun I think maybe
39:55
made a little bit better by the eight winnie tequila better it's like I can have a net such
40:01
Um, what do you call it?
40:02
Like, wait.
40:03
Like, wait.
40:04
I haven't even had breakfast.
40:05
Need it.
40:06
Maybe I'm just living in a dream right now.
40:07
I do feel like.
40:08
Did you not feel it at all?
40:10
Not really.
40:11
Wow.
40:12
I was like, that's so far.
40:13
Yeah, I know.
40:14
Like a little bit, but not like.
40:15
I am definitely going to have that.
40:16
Because I always get post-podcast anxiety or...
40:19
Oh, do you?
40:20
anxiety where I'm like, oh God, what did I say?
40:22
Oh, am I going to get in trouble with that?
40:23
I don't think I said anything about being in trouble.
40:25
I don't think so.
40:26
And also, if you do wake up in a panic, just message me.
40:28
The duty of editing.
40:29
I kind of remember it.
40:30
Maybe I did feel the tequila.
40:31
Yeah.
40:32
I see that.
40:33
And then I just stopped giving.
40:34
You do not lie.
40:35
Yeah.
40:36
Do not try and tell me that you have all of a sudden not anxiety.
40:38
I'm always like, I know.
40:39
And you're just like, what does it feel like?
40:41
I'm like, if it's so good, she's like, can't compact me into lies things.
40:44
Whereas I'm like, oh, you know that thing that I said last Tuesday.
40:48
Yeah.
40:49
And you wake up in the, and like, four of them want to be like, fuck.
40:52
What about that?
40:53
I don't know when I was 12.
40:54
It's like, sorry, if nobody cares about you that much.
40:56
Yeah.
40:57
That's true.
40:58
I'm like, fuck, let's not even go there.
40:59
It's not going to be a curse of a white woman.
41:00
Yeah.
41:01
This is exactly what I was about to say.
41:02
Anyway, look, thank you for coming in.
41:04
Thank you for being so open on us.
41:05
Also sharing those amazing texts.
41:06
Yeah.
41:07
I think I made a few beggings for my money.
41:09
Yeah.
41:10
His amazing, yeah.
41:11
No.
41:12
Not like the way you normally get them.
41:14
What?
41:15
Excuse me.
41:16
I do not buy any other types of beggings.
41:18
You see, you know.
41:19
You made us out like that.
41:21
Yeah.
41:22
Yeah.
41:23
But you know, I see your son.
41:25
Hopefully it will be less than seven years this time.
41:27
Yes.
41:28
Wait.
41:29
I saw your cup of years ago at my booth.
41:30
They've been answered.
41:31
Wait, she threw the bananza.
41:32
And also, I think we got a studio box again together
41:33
and do like a cute coffee day.
41:34
Yeah.
41:35
Yeah.
41:36
I went this one and a half a class.
41:37
I left half way through.
41:38
That's how tired it was.
41:39
Oh my.
41:40
So sad.
41:41
I know.
41:42
I did seven minutes of boxing and then I was like, I'm done.
41:43
No, sure.
41:44
And I paid $35 for that.
41:45
Yeah.
41:46
Can I say one last tip?
41:47
Of course.
41:48
If your parents tell you to invest in something, invest in it.
41:52
Okay.
41:53
So my parents, and we do it for our kids as well.
41:56
My parents, when we were born, would put five dollars
41:59
or $10 a week into a bank account anyway.
42:01
So when we got older, our dad was like, you've got,
42:04
and we wouldn't like to touch it until we're 18.
42:06
And he was like, you've got this much money in your bank account.
42:09
Auckland's building this new airport.
42:11
Would you, I'm going to put some buy some shares.
42:14
Do you want to buy some shares under your name for $1,000?
42:17
And we're like, yes.
42:19
So we bought shares for $1,000 in Auckland Airport
42:21
and tripled it and it paid for my radio school.
42:24
And then I sold him, so he still fucking got them.
42:28
But I sold my shares to him to get my, to pay for radio school.
42:32
But you'd get like, you know, your checks every year, which was great.
42:35
But he invested us in that contact energy
42:38
and speaking my language.
42:40
It was the other one.
42:41
Some fucking hospital, I don't know.
42:43
But he, every investment that he made for us worked.
42:47
Yeah.
42:48
And we were really lucky.
42:49
I mean, he worked in banking and his whole job
42:52
was crisis care management for like really big companies
42:56
and farms and shit.
42:57
But he was really good at it.
42:58
And every time he gave us a tip at the time,
43:00
we were like, I don't want to get $7,000 in my money.
43:03
But then, boom.
43:05
I think it's because it's like a long term.
43:07
They've got a long term view.
43:08
Or you're like, look, you invest in it when you're around age.
43:10
You can't get it to your 18, which is like, I don't know, maybe 10, 15 years away.
43:13
And so it's kind of locked in for that period,
43:15
whereas we find it when we're quite hard when we're older
43:18
to not touch an investment for that long.
43:21
So it's like when you're a kid, you're out hanging with your friends
43:24
and stuff.
43:25
You're not thinking about your investments.
43:26
And so when it's kind of done for you,
43:28
or taken care of for you,
43:30
or done a little bit.
43:31
And you have a long time horizon.
43:32
Yeah.
43:33
That's when, that's why we always say it.
43:34
I can be for the long term.
43:35
Yeah.
43:36
And if you can get your Kiwi saver on your banking app,
43:40
so you can see how much money you have in there.
43:42
Do you reckon, because I find I'm like,
43:44
oh, I'd love to dip into that kind of stuff.
43:46
No, because I don't know how to dip into it.
43:47
But I see it.
43:48
And I'm like, fuck your share.
43:49
And you're going to grease when you're retired.
43:52
So every week when I see it get bigger,
43:54
I'm like, oh, yeah, bitch.
43:55
You're doing life.
43:56
And I feel like I'm doing it, you know?
43:59
And we have both our kids have Kiwi saver as well.
44:02
It's like something that Bryce's dad does for them,
44:04
which is a privilege that I acknowledge that.
44:06
But yeah, if you have your Kiwi saver on your banking app,
44:08
you can see how much it's growing.
44:10
And it just makes you like, fuck your pay my Kiwi saver.
44:13
No, but my mum also bought me contact energy shares
44:16
when I was very young.
44:17
And it's, I don't think I made a lot of money off it.
44:20
I can't quite remember.
44:21
But I think it was more the psychological psychology of
44:26
the dividend checks arriving in the mail.
44:28
Yes.
44:29
And I was like, oh, my God, I'm just getting money.
44:30
Yeah.
44:31
And I'm just flowing in.
44:32
And this is great.
44:33
It would have been like, I don't know, like $20.
44:35
$20.
44:36
Yeah.
44:37
But I'm like, cool.
44:38
I remember getting one for 53 bucks once.
44:39
And I was like, um, I'm going to clients.
44:41
If you don't know what clients is, then you're too young.
44:44
So basically what Lobby so was in the 90s.
44:46
Oh, my God.
44:47
I didn't know for real.
44:48
I feel like I'm not that young.
44:49
OK.
44:50
Neither.
44:51
I don't know what it is.
44:52
We digress.
44:53
And also, I can hear my stomach rumbling into the microphone.
44:55
I haven't eaten, but I've had it to Kayla Schott.
44:57
So I'm like, this is probably up the tenth time
44:59
that you're stomach is scrambled on a podcast.
45:00
Oh, shush, shush, shush, shush.
45:01
No fear.
45:02
As long as you didn't shoot your pants,
45:03
you wring a white outfit.
45:04
That would be better.
45:05
It's yellow.
45:06
Sorry.
45:07
You were actually both in the middle of the night.
45:08
Yeah.
45:09
I thought this was like, I was like,
45:10
is this a matching podcast?
45:12
Yeah.
45:13
This is our uniform.
45:14
We're just dressing full yellow outfits.
45:15
Yeah.
45:16
We've got another message here from Chris.
45:17
Oh, fuck off.
45:18
Oh, my God.
45:19
He's really good.
45:20
He's really good.
45:21
Goodbye.
45:22
Thank you so much for listening to Raising the Curve.
45:23
These conversations are designed to teach you everything
45:26
that you need to know to be better with your money.
45:28
From saving, to investing, to talking to your friends
45:31
about your salaries.
45:32
And if you liked what you heard, we would love it.
45:35
If you could hit subscribe button, please.
45:37
Or leave a review.
45:39
It all takes five seconds and it would really make our week.
45:42
Oh yeah.
45:43
Our month.
45:44
Okay.
45:45
Lots of love.
45:46
See you soon.
45:47
Bye.