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Fight, Flight or freeze? How I Overcome Anxiety Around Investing. · She's On The Money

• 0:00
  Speaker 1: My name is Natasha Bamblett. I'm a proud First Nations
• 0:02
  Speaker 1: woman and I'm here to acknowledge country. Hello, beautiful friends.
• 0:08
  Speaker 1: We gather on the lands of the Aboriginal people. We thank,
• 0:13
  Speaker 1: acknowledge and respect the Aboriginal people's land that we're gathering
• 0:17
  Speaker 1: on today Take pleasure in all the land and respect
• 0:33
  Speaker 1: all that you see. She's On The Money podcast acknowledges culture, country, community,
• 0:39
  Speaker 1: and connections, bringing you the tools, knowledge, and resources for
• 0:44
  Speaker 1: you to thrive.
• 0:44
  Speaker 2: She's on the money.
• 0:45
  Speaker 3: She's on the money. She's on the money. Hello and
• 0:52
  Speaker 3: welcome to Shiz on the Money, the podcast where we
• 0:55
  Speaker 3: usually cover all of the issues concerning your personal wealth
• 0:58
  Speaker 3: goals so you can feel more in control of your
• 0:59
  Speaker 3: financial future. But not today. Today, we are trading all
• 1:04
  Speaker 3: that fin talk in for something more frivolous. Friday drinks,
• 1:07
  Speaker 3: that special time of the week where we gather for
• 1:09
  Speaker 3: laid back chats about your money wins, bro tips and
• 1:12
  Speaker 3: any unhinged questions that you may have for us. If
• 1:14
  Speaker 3: you aren't already acquainted, she's the karaoke forward, sometimes mosaicist,
• 1:19
  Speaker 3: lover of a scratchy towel, Beck Syatt.
• 1:22
  Speaker 4: Hi.
• 1:23
  Speaker 3: How fun are the intros? That's so cute. They're so nice.
• 1:26
  Speaker 3: And of course, I'm Jess. Some of you know me
• 1:28
  Speaker 3: as the She's On The Money Partnerships Manager, co-host, and
• 1:31
  Speaker 3: lover of a white lacy top. BD's not here today. No.
• 1:34
  Speaker 4: And I tell you what, that intro for you, I personally,
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  Speaker 4: I'd be saying a lot more.
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  Speaker 3: Oh, stop it. Are you kidding? That's very sweet of you.
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  Speaker 3: In fact, we both have some experience with investing, but
• 1:46
  Speaker 3: has the decision to invest ever put you in a
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  Speaker 3: state of fight, flight, or freeze? Me? Maybe. I'm keen
• 1:54
  Speaker 3: to get into it. Well, I asked because this week
• 1:56
  Speaker 3: we'll be discussing the dilemmas around starting a share portfolio,
• 1:59
  Speaker 3: plus where you might consider investing if your partner is
• 2:02
  Speaker 3: a temporary visa holder. Of course, we'll also be covering
• 2:05
  Speaker 3: an important question of the week, as well as a
• 2:07
  Speaker 3: few choice tips on how to push your dollar further.
• 2:09
  Speaker 3: But before all of that, we'll take a quick break.
• 2:11
  Speaker 3: Don't go anywhere. All right, we know you're likely listening
• 2:18
  Speaker 3: to this episode in your car or maybe on your
• 2:20
  Speaker 3: morning commute, but what is the weirdest place you've ever
• 2:23
  Speaker 3: tuned in from? We've got to know, and while you're
• 2:26
  Speaker 3: pondering that, we've got a five-star review to share. Each week,
• 2:29
  Speaker 3: we take a leisurely stroll through our comments, DMs, and
• 2:32
  Speaker 3: streaming platforms to see what do you think about the show.
• 2:35
  Speaker 3: And if you'd like to share your praise, please leave
• 2:37
  Speaker 3: us a review wherever you get your podcasts. Gorgeous. This
• 2:40
  Speaker 3: week's one comes from Miss Lily M, who says, I've
• 2:44
  Speaker 3: been a long-time listener. Oh.
• 2:45
  Speaker 1: Oh.
• 2:56
  Speaker 3: I have even sent certain episodes to friends of mine
• 2:59
  Speaker 3: that I know will benefit from listening. Very recently, Victoria
• 3:02
  Speaker 3: offered her books to educators, so I snapped up the
• 3:05
  Speaker 3: opportunity and was able to lend out her first book
• 3:07
  Speaker 3: to a year five girl in my class who found
• 3:09
  Speaker 3: it valuable and will now be prepared to manage her
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  Speaker 3: money when she's a grown up. That's gorgeous. I wish
• 3:14
  Speaker 3: I had She's on the Money content when I was
• 3:16
  Speaker 3: that age. I can't wait to keep sharing the books
• 3:18
  Speaker 3: she kindly donated. Thank you, She's on the Money, and
• 3:20
  Speaker 3: happy 1000th episode. Oh, that's beautiful. Thank you so much. Oh, Willie,
• 3:25
  Speaker 3: that's Oh, it's just so kind. I know. I love
• 3:28
  Speaker 3: hearing the ways that the show has impacted you. And
• 3:31
  Speaker 3: I love knowing the book is now going to be
• 3:32
  Speaker 3: in your rotation and present for the classroom. I certainly
• 3:36
  Speaker 3: wish that I'd learned this stuff when I was in school.
• 3:38
  Speaker 3: And I feel like a lot of people probably feel
• 3:40
  Speaker 3: the same. Absolutely. If you ever have any questions for us,
• 3:43
  Speaker 3: please send them through. Please. All right. Speaking of questions,
• 3:46
  Speaker 3: here's today's question of the week. It comes from none
• 3:49
  Speaker 3: other than VibrantRabbit4322. I'm the birth certificate. Of course. Not
• 3:54
  Speaker 3: to be mistaken for VibrantRabbit4321. Of course.
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  Speaker 2: Ah, okay, yes.
• 4:01
  Speaker 3: Who asks, what is your ideal date night? Oh, that's
• 4:05
  Speaker 3: so cute. You're so one for a fun date night.
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  Speaker 3: I'm excited to hear your answer. You're so sweet. I
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  Speaker 3: love a date night.
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  Speaker 4: And I tell you what, this question has come at
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  Speaker 4: the worst time and the best time now that I am.
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  Speaker 4: Very single and yearning. And Jess, if you're listening, let's
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  Speaker 4: get back together. My favorite kind of date night. I
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  Speaker 4: like one that's like themed. I love a themed date night.
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  Speaker 4: And also I like something that's cozy. We're not spending
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  Speaker 4: money in my dream date night. So we're at home.
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  Speaker 4: I'll just pick one that I actually have done, but
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  Speaker 4: it was like, I transformed my room into a movie theater.
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  Speaker 3: I'm not sure if everyone remembers.
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  Speaker 4: And you know, I had like candy bar, the red
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  Speaker 4: and white stripes, fake movie curtains, movie tickets. I had
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  Speaker 4: a friend check the tickets and I mean, she patted
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  Speaker 4: us down.
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  Speaker 3: She didn't need to. We had the full experience.
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  Speaker 4: I don't remember getting patted down going to a cinema, but,
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  Speaker 4: you know, it was just really, really fun. So something
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  Speaker 4: like that where you can like. do a bit of
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  Speaker 4: role play and also arts and crafts and also had
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  Speaker 4: like money, like, you know, the prices on the menu
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  Speaker 4: for the candy bar, like 10 cents or anything, you know,
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  Speaker 4: it was like just really fun. So that kind of
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  Speaker 4: thing where it's like silly, playful, think of something you'd
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  Speaker 4: do with your own children. If you didn't have children,
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  Speaker 4: you could still have fun doing that with adults. So
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  Speaker 4: that's probably.
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  Speaker 3: My kind of fun. And do you... Oh, I love that.
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  Speaker 3: I feel like our go-to is dinner and a movie.
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  Speaker 3: Like that's one of our favorite activities. If we're going
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  Speaker 3: like ideal dream money object, I do love like a
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  Speaker 3: evening museum gallery show. Oh my God, I love a
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  Speaker 3: night at the theater, something like that. And then a
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  Speaker 3: dinner at a fun restaurant in the city that we
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  Speaker 3: don't normally get to go to. Totally. That is my dream.
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  Speaker 3: But obviously, it's quite expensive. So it's like that's not
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  Speaker 3: a regular.
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  Speaker 4: Sure.
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  Speaker 3: But it is very fun. Oh, my God. So, so fun.
• 6:01
  Speaker 3: Have you been to Gimlet? I think I have been
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  Speaker 3: once with Victoria. Oh, gorgeous.
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  Speaker 1: Yeah.
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  Speaker 3: My favorite in the city, I love Chin Chin. I
• 6:09
  Speaker 3: know it's very basic, but I love Chin Chin. Yes.
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  Speaker 3: I haven't been there yet. It's like a diner. Oh.
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  Speaker 3: But I would love to go. Yeah, we should go sometime.
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  Speaker 3: It's really, really good. And it's close by to like
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  Speaker 3: a few of the theatres too. Gorgeous. Amazing. Well, maybe
• 6:23
  Speaker 3: we should do a poll. We'd love to hear what
• 6:24
  Speaker 3: kind of dates our listeners are going on. After all,
• 6:26
  Speaker 3: we are in a romance recession. Have you seen that data?
• 6:29
  Speaker 4: I haven't seen it, but I do know there was
• 6:30
  Speaker 4: like a big influx of breakups like the start of
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  Speaker 4: the year.
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  Speaker 3: Just like anecdotally you've noticed it. I've noticed it anecdotally.
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  Speaker 3: Is that what this? Yeah, some data's come out that
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  Speaker 3: says that, I can't remember the stats and I don't
• 6:42
  Speaker 3: want to say the wrong thing, but basically like a
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  Speaker 3: certain percentage of people are dating less or not dating
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  Speaker 3: at all because of how extensive it is, because of
• 6:50
  Speaker 3: the economy of it all. I see. Okay. And then,
• 6:53
  Speaker 3: of course, there is the male loneliness epidemic, though.
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  Speaker 2: Well, of course.
• 6:56
  Speaker 4: I tell you what, top of my list of things
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  Speaker 4: to fix.
• 7:00
  Speaker 3: The world's smallest violin. Please let us know what your
• 7:04
  Speaker 3: go-to date night is. We would absolutely love to hear it.
• 7:08
  Speaker 3: But there is something else that I would really love
• 7:10
  Speaker 3: to hear. Okay. If you would maybe love to hear
• 7:12
  Speaker 3: them as well. Tell me. Some money wins. Yes, that
• 7:15
  Speaker 3: would be lovely. Sorry, Jess, I don't know why I
• 7:17
  Speaker 3: got so scared. Guys, whenever we're by ourselves, it's just...
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  Speaker 3: It goes off the rails a little bit. It gets
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  Speaker 3: a little higgledy-piggledy. That's all I'm saying, you know? I
• 7:27
  Speaker 3: would love to hear some too. Thank you so much.
• 7:29
  Speaker 3: The first money win that I have to share with
• 7:30
  Speaker 3: you is from Jamie who said, money win, I just
• 7:33
  Speaker 3: got back from six weeks in Europe and I came
• 7:35
  Speaker 3: home with $ 1, 800 still in my holiday spending account. Amazing.
• 7:39
  Speaker 3: I don't think I've ever heard of anybody doing that.
• 7:41
  Speaker 3: It could never be me. And Jamie said, I could
• 7:43
  Speaker 3: have bought so much more gelato. I know. Oh, my God.
• 7:46
  Speaker 3: It's almost like a bittersweet. It's like, oh, I could
• 7:48
  Speaker 3: have had much more fun. But then you come home
• 7:50
  Speaker 3: without stress. And that is very lovely to me.
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  Speaker 4: Very lovely.
• 7:54
  Speaker 3: Next money winner is from Paula who said, I have
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  Speaker 3: paid down four debts in the past two months and
• 7:59
  Speaker 3: I am on to the next one which will be
• 8:01
  Speaker 3: paid off this week. Now I've just got two more
• 8:04
  Speaker 3: to go. Amazing. That's awesome, Paula. Well done. Keep going.
• 8:08
  Speaker 3: Keep pushing up the hill. Don't lose momentum. Next, I've
• 8:11
  Speaker 3: got a money win from Maya who said, money win.
• 8:14
  Speaker 3: My local cafe owner told me not to worry about
• 8:16
  Speaker 3: paying for my coffee today because he loves my character
• 8:19
  Speaker 3: and my loyalty. Oh, that's so sweet. She wants that too.
• 8:22
  Speaker 3: I'd be like, are you in love with me?
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  Speaker 5: I know.
• 8:25
  Speaker 3: And you know what? That would work on me. I'm
• 8:26
  Speaker 3: in love with you for having said such lovely things
• 8:29
  Speaker 3: about me. 100%. That is working on me. That is gorgeous.
• 8:32
  Speaker 3: That's so sweet. I love the idea of just a
• 8:34
  Speaker 3: little like surprise moment. I'm trying to do this thing
• 8:37
  Speaker 3: at the moment. I'm just calling it like looking for joy.
• 8:40
  Speaker 3: I'm sure there's probably a word for it because it's
• 8:42
  Speaker 3: not exactly an original concept, but I'm trying to like
• 8:44
  Speaker 3: take note of the little good things that happen. I've
• 8:48
  Speaker 3: been keeping a list in my notes app. Like the
• 8:49
  Speaker 3: other day I was running late to go somewhere and
• 8:51
  Speaker 3: I got the very last car park in like a
• 8:53
  Speaker 3: 10 block radius. And I was like, oh my God,
• 8:56
  Speaker 3: universe is on my side. Amazing. Receives you a free coffee.
• 8:59
  Speaker 3: Beautiful little thing. Yes, yes, yes. I would highly recommend
• 9:03
  Speaker 3: it for anyone who's a little bit pessimistic or prone
• 9:05
  Speaker 3: to a case of the sads like I am. It's
• 9:07
  Speaker 3: just really nice to look back and be like, wow,
• 9:10
  Speaker 3: there's so many beautiful moments. There's so many little good
• 9:12
  Speaker 3: things that If you just hold on to those. Yes, absolutely.
• 9:15
  Speaker 3: I really like that. Next, I've got a money win
• 9:17
  Speaker 3: from Tanya who said, I was waiting for a sheet
• 9:20
  Speaker 3: set in Target to come on special and then I
• 9:22
  Speaker 3: realized I had enough flyby points to get it for free. Amazing.
• 9:26
  Speaker 3: I also got extra pillowcases and a large European cushion.
• 9:29
  Speaker 3: Love free stuff. Great. Don't we all? And then lastly
• 9:34
  Speaker 3: this week, I've got a money win from Corinne who said,
• 9:36
  Speaker 3: I downgraded my iPhone to a cheaper model, saving myself
• 9:39
  Speaker 3: $ 35 a month. Hell yeah. Okay. Which I love that.
• 9:43
  Speaker 4: You don't need the latest and greatest. No, you absolutely don't.
• 9:45
  Speaker 4: And sometimes like instead of the pro, you just get
• 9:47
  Speaker 4: the regular. It like saves so much money.
• 9:49
  Speaker 3: It's so much cheaper. And it's the same thing. That's
• 9:52
  Speaker 3: the thing. If you're looking at upgrading your tech, just
• 9:54
  Speaker 3: look at the other options, I would say. Now, Jess,
• 9:56
  Speaker 3: are you ready to hear what I have to say? Always. Always.
• 10:00
  Speaker 3: I love it. I never know what's coming and I
• 10:01
  Speaker 3: always enjoy it. Oh, my God. Amazing.
• 10:03
  Speaker 4: Well, so I've got a few broke tips this week,
• 10:05
  Speaker 4: two from the community, one from myself as per. This
• 10:08
  Speaker 4: first one comes from Madison, who says, check your bills
• 10:11
  Speaker 4: for estimated readings. My power and gas bill are combined.
• 10:14
  Speaker 4: They estimated that my gas used four times what it
• 10:18
  Speaker 4: normally does for a month. and tried to charge us
• 10:20
  Speaker 4: nearly $ 450 for the last month. So I would never
• 10:24
  Speaker 4: think to check this. I'm just like blindly paying for everything.
• 10:27
  Speaker 4: Because it is funny that there's like meter readers, which
• 10:29
  Speaker 4: is amazing. I have a friend who's a meter reader
• 10:31
  Speaker 4: and I'm like, I've always.
• 10:32
  Speaker 3: Wanted to be one for a reason.
• 10:33
  Speaker 4: It's just like we're walking around in the fresh air.
• 10:36
  Speaker 4: But I'm like, you know, it's a possibility for human
• 10:38
  Speaker 4: error is what I'm saying. And so check that out.
• 10:41
  Speaker 4: on your bill, make sure you're not being overcharged.
• 10:43
  Speaker 3: And they don't do it every month because this has
• 10:45
  Speaker 3: happened to me. I remember once, maybe like a year
• 10:47
  Speaker 3: or so ago, we got a huge bill and I
• 10:49
  Speaker 3: was like, how is this possible? Like, do we have
• 10:51
  Speaker 3: a gas leak? What's going on? And then I like
• 10:54
  Speaker 3: went out and checked the meter and it just was like, not,
• 10:56
  Speaker 3: they hadn't got a number wrong. Like they'd obviously just
• 10:58
  Speaker 3: estimated it based off the time of year and maybe
• 11:01
  Speaker 3: other people's usage or historical usage for a house or
• 11:04
  Speaker 3: I don't know. And it was hundreds of dollars cheaper
• 11:07
  Speaker 3: once we got it rectified. Oh, my God. It's crazy.
• 11:10
  Speaker 3: Sometimes you just can't physically see the box or whatever.
• 11:12
  Speaker 4: Sometimes they're estimating and it's like, I can't believe how
• 11:15
  Speaker 4: much that changes the amount that you're being charged.
• 11:18
  Speaker 3: Because sometimes, like, you will get a creditor back if
• 11:20
  Speaker 3: they overestimate. I think maybe they come out once a
• 11:22
  Speaker 3: quarter or once every two months. And so it's happened
• 11:25
  Speaker 3: before where we've had a really cheap bill because they've
• 11:27
  Speaker 3: credited forward from something where we've obviously overpaid.
• 11:30
  Speaker 2: Right.
• 11:31
  Speaker 3: Got you. But if money is tight, if you don't
• 11:33
  Speaker 3: have the money to be overpaying for something, just double check. Absolutely.
• 11:36
  Speaker 3: Take a few seconds. Yeah, exactly.
• 11:37
  Speaker 4: This next one comes from Steph who says, Tarte does 40%
• 11:41
  Speaker 4: off all full price products for teachers. Just have to
• 11:46
  Speaker 4: verify with your staff email. So Tarte is spelled T-A-R-T-E.
• 11:51
  Speaker 3: They're a makeup brand. Makeup brand. So if you're a teacher,
• 11:54
  Speaker 3: it really does shock me.
• 11:56
  Speaker 4: And this is a conversation for another time, but like
• 11:58
  Speaker 4: teachers and healthcare workers, like Like, I will cut up
• 12:01
  Speaker 4: an Instagram video and be paid more than my literal
• 12:05
  Speaker 4: friend who works at Peter Mac Hospital.
• 12:07
  Speaker 3: Saving lives.
• 12:08
  Speaker 4: Saving lives. Helping someone's, like, overall well-being and quality of life.
• 12:13
  Speaker 4: And I'm like, that is insane. Same with, like, teachers
• 12:15
  Speaker 4: and stuff like that. Anyway, that's a story for another time.
• 12:18
  Speaker 4: So take advantage of these little things. bits and pieces
• 12:20
  Speaker 4: while you can. And Tarte stuff's great.
• 12:22
  Speaker 3: I don't know what they're called, but they're like these
• 12:23
  Speaker 3: little clicky up lip products. Oh, my God. I have one.
• 12:26
  Speaker 3: I love it. It's gorgeous. Oh, my God. Oh, my God. Perfect.
• 12:30
  Speaker 3: There you go. So teachers out there, if you're listening,
• 12:32
  Speaker 3: and my one is.
• 12:33
  Speaker 4: I know we've talked about libraries a lot and their resources,
• 12:36
  Speaker 4: but I just discovered in Melbourne, and maybe this is
• 12:38
  Speaker 4: a thing in like other cities or states.
• 12:40
  Speaker 3: Mm-hmm.
• 12:40
  Speaker 4: Maker's Space, which includes sewing machines, 3D printers, jewelry making,
• 12:46
  Speaker 4: laser cutting, metalwork, classes.
• 12:49
  Speaker 3: And workshops, more. And there's literally more than that as well. Yeah,
• 12:51
  Speaker 3: they have an embroidery machine at the one in Docklands. Yes,
• 12:54
  Speaker 3: embroidery machine. Yeah. It's crazy.
• 12:57
  Speaker 4: So I feel like if you're anything like me and
• 12:58
  Speaker 4: have a new craft or hobby or obsession every one second,
• 13:03
  Speaker 4: hold off on buying everything.
• 13:04
  Speaker 2: Mm-hmm.
• 13:05
  Speaker 4: And then like having it sit in your lounge room
• 13:07
  Speaker 4: for five years. Just go to a maker space if
• 13:10
  Speaker 4: you have one nearby or if you're in Melbourne and
• 13:13
  Speaker 4: just like dabble in it first before you buy. Or
• 13:16
  Speaker 4: you can even run your whole business from there. I
• 13:19
  Speaker 4: feel like I've mentioned this before.
• 13:20
  Speaker 3: Maybe I haven't. I saw a TikTok once of somebody
• 13:21
  Speaker 3: who she wanted to do embroidered napkins for her wedding favor.
• 13:25
  Speaker 3: You would embroider it with somebody's name and it would
• 13:26
  Speaker 3: be their place setting and they could take it home afterwards.
• 13:28
  Speaker 2: Cool.
• 13:29
  Speaker 3: And she did her entire wedding guest list at a makerspace. Oh,
• 13:33
  Speaker 3: my God. So it's like she paid obviously for her materials,
• 13:36
  Speaker 3: but she didn't have to buy an embroidery machine or
• 13:38
  Speaker 3: pay somebody to do it because she just did it there. Yeah,
• 13:40
  Speaker 3: that's so cool. Oh, my God, can you say that
• 13:42
  Speaker 3: to me? Absolutely. Thank you. I love the concept, like
• 13:44
  Speaker 3: the community space. You can learn. I feel like it's
• 13:47
  Speaker 3: a space where other creative people like to hang out
• 13:50
  Speaker 3: so you can meet people who like to do similar
• 13:52
  Speaker 3: things to you. For sure. That is so cool. Libraries
• 13:54
  Speaker 3: are the best. I know, totally.
• 13:56
  Speaker 2: I love it.
• 13:57
  Speaker 3: Amazing. Well, after the break, we'll be discussing a few dilemmas,
• 14:00
  Speaker 3: starting with one about investments in love and money. Don't
• 14:04
  Speaker 3: go anywhere. Welcome back, everyone. Let's take a listen to
• 14:10
  Speaker 3: this week's Money Dilemma. Hi there.
• 14:14
  Speaker 2: Have you got a money dilemma you just can't solve?
• 14:16
  Speaker 2: The She's On The Money team is here to help.
• 14:19
  Speaker 2: Every week we tackle your dilemmas, both big and small,
• 14:22
  Speaker 2: to answer your most burning money, career and life questions.
• 14:25
  Speaker 2: To get involved, simply head to our website and leave
• 14:27
  Speaker 2: us a short voice recording and you might just find
• 14:30
  Speaker 2: yourself on the show. Now let's take a listen to
• 14:32
  Speaker 2: this week's Money Dilemma.
• 14:34
  Speaker 5: Hi, she's on the money. I love the podcast. I
• 14:39
  Speaker 5: have a money dilemma. My partner is not a permanent
• 14:42
  Speaker 5: resident in Australia yet. We've applied for a partner visa
• 14:45
  Speaker 5: about two years ago and hopefully that will be approved soon. Yesterday,
• 14:49
  Speaker 5: we logged into his super for context. He runs his
• 14:52
  Speaker 5: own business, so he pays his own super. And he
• 14:56
  Speaker 5: has been in Australia for about seven years. His super
• 15:00
  Speaker 5: is only at $ 11, 000 and he's 34 years old. For comparison,
• 15:05
  Speaker 5: my super is pretty healthy. I am the same age
• 15:08
  Speaker 5: as him and I have about $ 250, 000 in there from
• 15:11
  Speaker 5: my employer contributions of 17% and also additional salary sacrifice,
• 15:16
  Speaker 5: even contributions I've made on top of that. We both
• 15:19
  Speaker 5: invest and my partner is kind of prioritizing investing because
• 15:23
  Speaker 5: he sort of views it as that's kind of what
• 15:24
  Speaker 5: a superannuation fund does anyway. And it also just gives
• 15:27
  Speaker 5: him a bit more control, especially given the uncertainty around
• 15:30
  Speaker 5: his permanent residency. So my understanding is if he had
• 15:33
  Speaker 5: to leave the country, he could withdraw his super, but
• 15:36
  Speaker 5: he would pay like 35% tax on that or 25%.
• 15:39
  Speaker 5: I'm not sure. Anyway, I guess my dilemma is, should
• 15:43
  Speaker 5: we be making a concerted effort to contribute more to
• 15:46
  Speaker 5: his super? you know, assuming that he becomes a permanent
• 15:49
  Speaker 5: resident or is focusing on investing right now just as.
• 15:53
  Speaker 3: Good an idea? That is a really good question.
• 15:56
  Speaker 4: And not being the financial expert in this dynamic, I
• 16:02
  Speaker 4: am listening to this and just thinking probably investing in
• 16:06
  Speaker 4: like shares, ETFs, being in the share market is probably
• 16:10
  Speaker 4: wiser purely because, I mean, you don't know yet if
• 16:15
  Speaker 4: they'll get like their permanent residency or their citizenship. So
• 16:18
  Speaker 4: just to be on the safe side, I'd probably be,
• 16:21
  Speaker 4: you know, focusing more on, yeah, the share market unless
• 16:25
  Speaker 4: or until you get that permanent residency, no?
• 16:29
  Speaker 3: I know exactly what you mean because I feel a
• 16:30
  Speaker 3: little out of my depth as well. And so the
• 16:32
  Speaker 3: team have actually pulled some quick facts for me to
• 16:34
  Speaker 3: share with everybody. Great. Might be very helpful. Now, obviously
• 16:37
  Speaker 3: we cannot give you financial advice, but some things to
• 16:40
  Speaker 3: keep in mind. If you are a temporary visa holder
• 16:42
  Speaker 3: earning above a certain threshold in Australia, you will accumulate superannuation,
• 16:46
  Speaker 3: which it sounds like your partner has been. You cannot
• 16:49
  Speaker 3: access your super until you leave the country permanently or
• 16:53
  Speaker 3: presumably hit the age of retirement. If your temporary visa
• 16:57
  Speaker 3: ends or is cancelled and you need to leave the country,
• 17:00
  Speaker 3: you can then make a claim to get your super
• 17:01
  Speaker 3: back via the ATO under what is called a Departing
• 17:04
  Speaker 3: Australia Superannuation Payment or a DASP for short. DASP. Okay. DASP.
• 17:10
  Speaker 3: Your super is then taxed under a final withholding tax arrangement,
• 17:13
  Speaker 3: not at your marginal tax rate or regular superannuation rate
• 17:16
  Speaker 3: of 15%. Depending on whether you're holding a working holiday
• 17:20
  Speaker 3: maker visa or not, this can vary. It's going to
• 17:23
  Speaker 3: obviously be a situation to situation type of person. But
• 17:27
  Speaker 3: the ATO does have really extensive write-ups about how this
• 17:30
  Speaker 3: would be taxed. And so if you're not familiar with
• 17:32
  Speaker 3: your situation, we would say head to the ATO website
• 17:35
  Speaker 3: because they've got all of the resources there and they
• 17:38
  Speaker 3: have a help function. So if you have questions, you
• 17:40
  Speaker 3: can also pick up the phone, call them. get a
• 17:42
  Speaker 3: little bit more info or redirection to resources or anything
• 17:45
  Speaker 3: like that. Now, if your temporary visa ends and you
• 17:48
  Speaker 3: are approved for permanent residency, which obviously, fingers crossed for
• 17:51
  Speaker 3: your partner, your super might be transferred to the ATO
• 17:55
  Speaker 3: as what is called former temporary resident unclaimed super. You
• 18:00
  Speaker 3: can have this then transferred directly to you or transferred
• 18:03
  Speaker 3: into an Australian super fund. You will need to double
• 18:06
  Speaker 3: check the ATO's policies around whether this is taxed and
• 18:08
  Speaker 3: if they pay you directly. You would kind of think
• 18:11
  Speaker 3: that because you're then a permanent resident but not yet
• 18:14
  Speaker 3: an Australian citizen, you might qualify for the 15% tax rate,
• 18:18
  Speaker 3: but do your research.
• 18:20
  Speaker 2: Okay, okay.
• 18:21
  Speaker 3: Does that change how you feel? I don't know. I
• 18:24
  Speaker 3: think I'd still– and it's not even more like for.
• 18:27
  Speaker 4: The tax side of things or like even the smarts
• 18:30
  Speaker 4: of it all. I'm just like when I used to
• 18:32
  Speaker 4: work in super, I just remember the paperwork being insane
• 18:36
  Speaker 4: when someone would like leave. And then you have to
• 18:38
  Speaker 4: have an Australian bank account and then– but you maybe
• 18:42
  Speaker 4: have to be in Australia to set up an Australian–
• 18:44
  Speaker 4: I don't know. I just remember there was so many like–
• 18:46
  Speaker 4: annoying things where like people sometimes just couldn't get their
• 18:48
  Speaker 4: super until they went back to Australia for some reason
• 18:52
  Speaker 4: I can't remember exactly why yeah and so I'm like
• 18:54
  Speaker 4: I still would be like wary about that just purely
• 18:57
  Speaker 4: because of like the annoying parts of it all yeah
• 19:01
  Speaker 4: yeah and also you need like a witness, but the
• 19:04
  Speaker 4: witness has to be in Australia. I just remember there
• 19:06
  Speaker 4: was something really annoying about it.
• 19:08
  Speaker 3: I think overall, or overarchingly, I would say speak to
• 19:10
  Speaker 3: an expert, whether you're contacting the ATO or whether you're
• 19:13
  Speaker 3: speaking to maybe an accountant who specialises in people who
• 19:16
  Speaker 3: may not be Australian citizens. Even from just reading those
• 19:20
  Speaker 3: quick facts to you guys, there are lot of little,
• 19:23
  Speaker 3: you know, it'll depend on your situation or this or this.
• 19:25
  Speaker 3: And I think if we're thinking about your long-term wealth,
• 19:28
  Speaker 3: your future, it is worth, even if you have to
• 19:31
  Speaker 3: pay a little bit of money to get some advice
• 19:33
  Speaker 3: from an accountant or a specialist, I think it's money
• 19:36
  Speaker 3: well spent.
• 19:37
  Speaker 4: Yes.
• 19:37
  Speaker 3: My take on it is that you're probably doing the
• 19:40
  Speaker 3: right thing by investing anyway, because, you know, the logic
• 19:43
  Speaker 3: is sound in that your superannuation fund invests if you're
• 19:46
  Speaker 3: investing and you're leaving it in there long-term in the
• 19:48
  Speaker 3: same way that it would be in a super fund.
• 19:51
  Speaker 3: It's not exactly the same thing, but the basic concept
• 19:54
  Speaker 3: is very comparable. You could always allocate a portion of
• 19:57
  Speaker 3: your investments to your super if you became a permanent resident,
• 20:01
  Speaker 3: so you could withdraw it and move it over if
• 20:03
  Speaker 3: that's something you wanted to do. But again, I think
• 20:06
  Speaker 3: it probably is worth speaking to an expert because you
• 20:08
  Speaker 3: once want to look at the situation holistically. You know,
• 20:11
  Speaker 3: maybe it's better for tax purposes to make contributions. But again,
• 20:15
  Speaker 3: it will all depend on what kind of visa it
• 20:18
  Speaker 3: is and, you know, whether or not you do end
• 20:19
  Speaker 3: up becoming a citizen. and all those sorts of things.
• 20:22
  Speaker 3: I'll be honest, I'm not super across it. So maybe
• 20:24
  Speaker 3: time to phone a friend. I know you phoned a
• 20:26
  Speaker 3: friend in phoning us, but a friend who specializes in
• 20:29
  Speaker 3: this area. Yes. Yes. Totally agree. And good luck with everything. 100%
• 20:33
  Speaker 3: good luck. Fingers crossed that that comes through for you
• 20:36
  Speaker 3: guys soon. Now, if you have a dilemma that you'd
• 20:38
  Speaker 3: like answered on the pod, visit the podcast page on
• 20:40
  Speaker 3: the She's On The Money website. Leave us a voicemail.
• 20:43
  Speaker 3: We review each and every single one and yours might
• 20:46
  Speaker 3: just make it onto the next episode. But maybe voice
• 20:49
  Speaker 3: notes aren't really a thing. And if so, you can
• 20:51
  Speaker 3: always DM us to share your dilemma, just like this
• 20:54
  Speaker 3: community member. VD, please help. I've finally reached a point
• 20:58
  Speaker 3: where I have fully funded my emergency fund. I have
• 21:01
  Speaker 3: no consumer debt and I know the next step is
• 21:04
  Speaker 3: to start investing, but I'm completely frozen. Every time I
• 21:08
  Speaker 3: think I'm ready, I convince myself the market is at
• 21:10
  Speaker 3: a bad time and I'm too scared to invest because
• 21:12
  Speaker 3: I'm worried it'll keep falling. I've had money sitting in
• 21:15
  Speaker 3: a high interest savings account for over a year because
• 21:18
  Speaker 3: I keep waiting for the right time and I can't
• 21:20
  Speaker 3: help but wonder if I'm doing myself a disservice. I
• 21:23
  Speaker 3: also keep comparing myself to people who started investing years
• 21:26
  Speaker 3: ago and feel like I've already missed the boat. I
• 21:29
  Speaker 3: know that logically investing is a long-term game, but I
• 21:32
  Speaker 3: can't seem to get past the fear of making the
• 21:34
  Speaker 3: wrong first move. Has anybody else struggled with actually taking
• 21:38
  Speaker 3: the leap into investing and what helped you finally get started?
• 21:41
  Speaker 3: I think it's really common to feel like that. And
• 21:47
  Speaker 3: I certainly did too when I started, when I just
• 21:49
  Speaker 3: put like 10 bucks into shares years and I was like, Well,
• 21:51
  Speaker 3: this isn't going nowhere. But then before you know it,
• 21:54
  Speaker 3: it kind of snowballed.
• 21:55
  Speaker 4: That $ 10 obviously isn't, I'm not living off that right now,
• 21:58
  Speaker 4: but I guess you just kind of like keep putting
• 21:59
  Speaker 4: more and more in.
• 22:00
  Speaker 3: But I think that it's really funny and I just
• 22:02
  Speaker 3: want to make this clear. Maybe this listener already.
• 22:04
  Speaker 4: Knows, but- When the share market is quote unquote bad
• 22:08
  Speaker 4: or however you'd say it, it's like for me, that's
• 22:11
  Speaker 4: really exciting. It means that everything's on sale. So if
• 22:14
  Speaker 4: you're thinking that you're going to buy shares or ETFs
• 22:17
  Speaker 4: or whatever right now and like the market's like crashing
• 22:20
  Speaker 4: and it's going to crash even more, then it's like
• 22:22
  Speaker 4: everything's just on sale right now. It's the best time
• 22:24
  Speaker 4: to buy, you know, but I'm not allowed to give advice.
• 22:27
  Speaker 4: That's obviously not advice. If it was, it would be
• 22:29
  Speaker 4: really bad. But the way I like to see it
• 22:31
  Speaker 4: is when I tell myself if I want to start
• 22:33
  Speaker 4: something new or whatever, whatever, we've really been conditioned to
• 22:36
  Speaker 4: think that everything's too late. It's like we're too old
• 22:39
  Speaker 4: to be like, I'm really going off track here, but
• 22:41
  Speaker 4: I was swinging my legs when I was sitting on
• 22:43
  Speaker 4: a stool waiting for a coffee the other day.
• 22:44
  Speaker 3: And I was like, oh, I should stop. I'm too
• 22:46
  Speaker 3: old to do that.
• 22:47
  Speaker 4: And then I thought, where's that idea come from? It's like,
• 22:49
  Speaker 4: we're not too old. It's not too late. We're just
• 22:52
  Speaker 4: told these things, but where's the evidence of that? So
• 22:56
  Speaker 4: you're going to be, hopefully, Still here, still thriving this
• 23:00
  Speaker 4: time next year. Do you want to get there in
• 23:03
  Speaker 4: the exact same position or do you want to get
• 23:05
  Speaker 4: there having been one year.
• 23:06
  Speaker 3: Into the share market already? Do you know what I mean?
• 23:08
  Speaker 4: Like that time's going to come. For me, it's like
• 23:10
  Speaker 4: I'm going to be 35 regardless. And do I want
• 23:13
  Speaker 4: to be 35? with some money in shares or do
• 23:16
  Speaker 4: I want to be 35 still wondering if I should
• 23:17
  Speaker 4: put money in shares, you know? So I think that
• 23:20
  Speaker 4: look at it that way. Just put it in there.
• 23:22
  Speaker 4: The market's going to perpetually be fluctuating. And so you
• 23:26
  Speaker 4: might always have this dilemma. Just chuck it in a
• 23:28
  Speaker 4: small amount first. It's very daunting if you're putting all
• 23:31
  Speaker 4: your savings or all your.
• 23:33
  Speaker 2: Money in there.
• 23:34
  Speaker 3: But just put a little bit every now and then
• 23:36
  Speaker 3: and then you'll kind of like you'll get on a
• 23:38
  Speaker 3: roll and you'll start enjoying it and you'll be less scared.
• 23:41
  Speaker 3: So start small, I think. So that is always great advice.
• 23:45
  Speaker 3: I think as well, it sounds like our listener is
• 23:48
  Speaker 3: getting analysis paralysis because they're tied up in the concept
• 23:51
  Speaker 3: of trying to time the market. And all of the data,
• 23:55
  Speaker 3: all of the research shows that if you try to
• 23:57
  Speaker 3: time the market, nine times out of 10, you're going
• 23:59
  Speaker 3: to fail. You're never going to be able to pick
• 24:02
  Speaker 3: the perfect moment to invest, which is where that concept
• 24:05
  Speaker 3: of dollar cost averaging comes in. If you're making regular investments,
• 24:09
  Speaker 3: you are going to hopefully end up with the sum
• 24:11
  Speaker 3: of the average as opposed to always getting the best
• 24:15
  Speaker 3: or always getting the worst. Now, there are a few
• 24:18
  Speaker 3: tools out there which we can link in the show notes,
• 24:20
  Speaker 3: which we've mentioned on the show before. There's the tool
• 24:22
  Speaker 3: that will tell you your optimal frequency for investing that
• 24:25
  Speaker 3: we spoke about a few weeks ago. I also think
• 24:28
  Speaker 3: just play around with a compound interest calculator. If you
• 24:31
  Speaker 3: want to motivate yourself... Nothing does it, and also be
• 24:35
  Speaker 3: careful because it might put you into a little bit
• 24:36
  Speaker 3: of a sad spiral, but nothing will do it like
• 24:38
  Speaker 3: seeing the lost opportunity. So if you look at, okay,
• 24:42
  Speaker 3: I've got $ 1, 000 in my high interest savings account. In
• 24:46
  Speaker 3: the last 12 months that I've been sitting on that,
• 24:48
  Speaker 3: it's earned me X amount in interest.
• 24:51
  Speaker 1: Mm-hmm.
• 24:51
  Speaker 3: And then you're, okay, well, if I'd put that into
• 24:54
  Speaker 3: an index fund or whatever your investment of choice is,
• 24:59
  Speaker 3: over the past 12 months, what could that have earned
• 25:01
  Speaker 3: and what could the projection of that be in the future?
• 25:05
  Speaker 3: I find that really motivating personally because I like to
• 25:07
  Speaker 3: see the physical numbers. I think the math is really,
• 25:10
  Speaker 3: I guess, motivating to see, well, X could become Y
• 25:14
  Speaker 3: with a certain amount of time. And so maybe that
• 25:17
  Speaker 3: will be enough to encourage you to get started. I
• 25:19
  Speaker 3: think exactly as you said, you don't have to jump
• 25:21
  Speaker 3: in both feet. Sharesies is great because you can invest fractionally.
• 25:24
  Speaker 3: You can invest as little as one cent. You can
• 25:26
  Speaker 3: do whatever feels good, get the lay of the land,
• 25:29
  Speaker 3: build your confidence. But I think more than anything, if
• 25:33
  Speaker 3: you're worried about picking the best time, you you need
• 25:36
  Speaker 3: to let that thought go and focus instead on something
• 25:39
  Speaker 3: like dollar cost averaging or a strategy that lets you
• 25:42
  Speaker 3: even things out a little bit, so to speak, because
• 25:45
  Speaker 3: you're never going to be able to pick it. If
• 25:47
  Speaker 3: you could, we'd all be billionaires. Unfortunately, that's not the
• 25:50
  Speaker 3: way it works. Yeah, exactly. Very well said. What did
• 25:54
  Speaker 3: everyone else say? Okay. So we did obviously ask a
• 25:56
  Speaker 3: few questions over on Instagram. If you ever want to participate,
• 25:59
  Speaker 3: we love getting your thoughts. The first thing we said was,
• 26:02
  Speaker 3: what is holding you back from investing? 3% of you said,
• 26:06
  Speaker 3: I'm waiting for the right time. 19% of you said,
• 26:09
  Speaker 3: I'm worried about losing money. 30% of you said, I
• 26:13
  Speaker 3: don't know where to start. In which case, I would
• 26:15
  Speaker 3: say we have a podcast playlist all about investing. We
• 26:18
  Speaker 3: have many, many, many investing episodes.
• 26:20
  Speaker 4: Yes.
• 26:20
  Speaker 3: Go back and listen to those. We'll link that playlist
• 26:22
  Speaker 3: in the show notes. 48% of you said, Big Snaps Queens,
• 26:27
  Speaker 3: I already invest. We love to see it. Always 50%
• 26:30
  Speaker 3: of the listeners invest. That's incredible. Is that amazing? Yeah. Next,
• 26:34
  Speaker 3: we said, if you are investing, how did you start? 49%
• 26:39
  Speaker 3: of you said, I just took the leap, jumped in
• 26:41
  Speaker 3: feet first.
• 26:42
  Speaker 2: Cool.
• 26:42
  Speaker 3: 10% of you said, I researched for months. 14% of
• 26:46
  Speaker 3: you said, somebody helped me get started. And 27% said,
• 26:49
  Speaker 3: I haven't started yet. Okay. Okay. That's okay. Lastly, we asked,
• 26:55
  Speaker 3: what's your investing personality? Interesting, like fairly even split, I
• 27:00
  Speaker 3: would say, quite close. 43% said set and forget. 27%
• 27:05
  Speaker 3: said I check my portfolio all the time. They're a
• 27:07
  Speaker 3: bit of a beck, jumping in five times a day,
• 27:09
  Speaker 3: just in case. Just in case. And 31% of you
• 27:12
  Speaker 3: said you are still figuring it out. And then of course,
• 27:15
  Speaker 3: we asked for your two cents and we did get
• 27:17
  Speaker 3: lots of fantastic submissions. First person said, what's wrong with
• 27:23
  Speaker 3: doing it wrong? You can always change your mind later. Yes,
• 27:26
  Speaker 3: very true. And I loved that. I've never heard somebody say,
• 27:29
  Speaker 3: what's wrong with doing it wrong? Yes. I read that
• 27:31
  Speaker 3: and my brain chemistry was altered. Oh my God, I
• 27:33
  Speaker 3: really like that. Especially if you are starting with just
• 27:36
  Speaker 3: a little bit, so you get it wrong. Oh, who cares?
• 27:39
  Speaker 3: It's just puppets, you know what I mean? Exactly. I really,
• 27:41
  Speaker 3: really like that. I really, it resonated with me. Next
• 27:45
  Speaker 3: person said, take the leap with a small amount, make
• 27:47
  Speaker 3: mistakes and then build from there. Yep. Somebody else said
• 27:50
  Speaker 3: start small. Even if it's $ 5, it will give you
• 27:52
  Speaker 3: courage to put more and more in over time. So true.
• 27:55
  Speaker 3: Somebody else recommended doing a risk profile and investing in
• 27:58
  Speaker 3: ETFs because they can do the work for you, which
• 28:01
  Speaker 3: I think is a really good call, looking into your
• 28:03
  Speaker 3: risk profile and understanding what investments might align with you.
• 28:06
  Speaker 4: Yeah.
• 28:07
  Speaker 3: We do have a podcast episode on that, figuring that out.
• 28:09
  Speaker 3: I would highly recommend it. Somebody said, I made my
• 28:13
  Speaker 3: boyfriend sit down with me and show me exactly how
• 28:16
  Speaker 3: and to provide suggestions on what to do. Obviously, be
• 28:19
  Speaker 3: careful where you take your financial advice from. But if
• 28:21
  Speaker 3: you have a friend, do you know somebody who invests
• 28:23
  Speaker 3: who could maybe show you their strategy or talk you
• 28:26
  Speaker 3: through things? Yeah. If not, let the community be that
• 28:29
  Speaker 3: friend for you. I'm sure there are lots of people
• 28:30
  Speaker 3: that would be happy to help. For sure. Somebody said,
• 28:33
  Speaker 3: an action is better than no action.
• 28:35
  Speaker 2: Yes.
• 28:35
  Speaker 3: Which I also really like. There's lots of great little one-liners. Yeah,
• 28:39
  Speaker 3: it's really motivating. Yeah. Someone else said, when do you
• 28:41
  Speaker 3: know if it's been worth it? Huh. That's a great...
• 28:44
  Speaker 3: It's a philosophical question, isn't it? Because the thing is,
• 28:47
  Speaker 3: is like, let's say you invest your first ever investment.
• 28:49
  Speaker 3: You put 50 bucks in and then the next day
• 28:52
  Speaker 3: the market falls further. Oh no, my share is only
• 28:55
  Speaker 3: worth $ 25 now. It's worth half of what I put in. Yeah.
• 28:59
  Speaker 3: That's where some people might panic and go, oh my God,
• 29:01
  Speaker 3: share market's awful, pulling it out.
• 29:03
  Speaker 1: Yeah.
• 29:03
  Speaker 3: But then... A year from now, stock doubles in price. Yes.
• 29:08
  Speaker 3: Your share is now worth $ 100. Like there's just no
• 29:11
  Speaker 3: way to predict. And I think that sometimes picking those
• 29:15
  Speaker 3: maybe managed funds or ETFs where you know that a
• 29:18
  Speaker 3: professional is building them out might feel a little bit
• 29:21
  Speaker 3: less risky, perhaps a little bit more aligned to your
• 29:23
  Speaker 3: risk profile. Totally. But when do you know? When do
• 29:26
  Speaker 3: you know? That's such a good point. Somebody else has said, Nike,
• 29:30
  Speaker 3: just do it. Timing the market, not timing the market.
• 29:32
  Speaker 3: Good luck. Yes. Which I loved. Someone else said get
• 29:35
  Speaker 3: comfortable with it first. This one made me giggle. Start wild,
• 29:40
  Speaker 3: cull later. Yes. The Syed method. That's so sweet. I
• 29:45
  Speaker 3: completely agree and I back that. Which I thought was really,
• 29:49
  Speaker 3: really cute.
• 29:50
  Speaker 1: It's beautiful.
• 29:51
  Speaker 3: Lots of people are reflecting the sentiment timing the market
• 29:54
  Speaker 3: is greater than timing the market. Start small, build confidence. Yes.
• 29:58
  Speaker 3: I think everybody is really feeling the same kinds of feelings.
• 30:01
  Speaker 3: The last one I'm going to read, which I really
• 30:02
  Speaker 3: did like, was somebody saying, start off small and treat
• 30:06
  Speaker 3: it like a bill. And it just becomes a part
• 30:08
  Speaker 3: of your normal routine without you even realizing it.
• 30:11
  Speaker 2: Yeah.
• 30:11
  Speaker 3: That's such a good point. Build it as a habit.
• 30:13
  Speaker 3: And then it's not hopefully something you have to overcome.
• 30:16
  Speaker 3: It just is something you do. Yes.
• 30:18
  Speaker 1: Yes.
• 30:18
  Speaker 3: Like a bill.
• 30:19
  Speaker 4: I really like that because it's like, oh, I bet
• 30:20
  Speaker 4: I've got to pay this thing. It's only five bucks
• 30:22
  Speaker 4: a month.
• 30:22
  Speaker 3: Who cares?
• 30:23
  Speaker 4: And so it's really bringing in something, even if it's
• 30:26
  Speaker 4: just learning or if it's, you know, I think that, yeah,
• 30:28
  Speaker 4: start small, see how you go.
• 30:30
  Speaker 3: And as Jess said, there are a lot of investing
• 30:32
  Speaker 3: episodes if you need that additional support. It's a perfect
• 30:35
  Speaker 3: place to leave it. I think so. Thank you guys
• 30:37
  Speaker 3: so much for joining us for another edition of Friday Drinks.
• 30:39
  Speaker 3: We hope that there were broke tips and date ideas
• 30:41
  Speaker 3: in there that inspired you. Let us know if you
• 30:43
  Speaker 3: plan a date night in the comments on Spotify. I
• 30:45
  Speaker 3: love reading the comments on Spotify. It's my favorite thing. Yeah,
• 30:48
  Speaker 3: I get scared though. Yeah, I'm always a little bit like, oh,
• 30:51
  Speaker 3: what if somebody doesn't like me? I know. It's a
• 30:54
  Speaker 3: little bit nerve-wracking, but we do appreciate it when you
• 30:56
  Speaker 3: say lovely things. Thank you so much. Please make sure
• 30:59
  Speaker 3: you subscribe if you haven't so you never miss an episode.
• 31:02
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• 31:04
  Speaker 3: always kicking around in the DMs, in the posts, and
• 31:06
  Speaker 3: there are hundreds of thousands of incredible people sharing their
• 31:10
  Speaker 3: money tips every single day. Look after yourselves, everybody, and
• 31:14
  Speaker 3: have a lovely weekend.
• 31:15
  Speaker 4: Thank you, guys. Bye.
• 31:16
  Speaker 3: Bye.
• 31:20
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• 31:23
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