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Money Confessions: What It Actually Costs to Launch a World-First Product (While Juggling 2 Kids and a Mortgage) · She's On The Money

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  Speaker 1: My name's Aatasha Bamblet. I'm a proud First Nations woman
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  Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya Niana,
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  Speaker 1: kaka ya Ya bin Ahaka Nian our gay In Mbina,
• 0:11
  Speaker 1: yakarum Jar, Dominyama, Domaghawakaman, damon Imlan Bomber bang Gadabomba in
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  Speaker 1: and now in wakah ghana on yak rum jar Watnadaa. Hello,
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  Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
• 0:26
  Speaker 1: We thank acknowledge and respect the Abigin people's land that
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  Speaker 1: we're gathering on today. Take pleasure in all the land
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  Speaker 1: and respect all that you see. She's on the Money
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  Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
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  Speaker 1: knowledge and resources for you to thrive.
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  Speaker 2: She's on the Money. She's on the Money.
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  Speaker 3: Hello, and welcome to She's on the Money, the podcast
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  Speaker 3: that lets you be pervy about other people's money.
• 1:13
  Speaker 4: Habits for educational purposes, of course.
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  Speaker 3: Welcome back to another one of our Money Daries episodes
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  Speaker 3: where I get the absolute pleasure of sitting down and
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  Speaker 3: having a chat with one of our beautiful She's on
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  Speaker 3: the Money community members all.
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  Speaker 4: About their money habits.
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  Speaker 3: Let's jump straight into it, because this week I got
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  Speaker 3: a message and it sounded exactly like this, dear, she's
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  Speaker 3: on the money. I'm a mom of two who launched
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  Speaker 3: a small business just two weeks ago. The journey to
• 1:38
  Speaker 3: launching this company has been wild. We lost seventeen thousand
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  Speaker 3: dollars to a sourcing agency, had to take out a
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  Speaker 3: loan on our home, turned to family, and somehow managed
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  Speaker 3: to raise two hundred thousand dollars to build the business
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  Speaker 3: without investors. There's a big gap in the market, and
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  Speaker 3: I'm on a mission to blow.
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  Speaker 4: Up this space.
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  Speaker 3: Oh my god, I cannot wait for this to blow
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  Speaker 3: up and then me call you back in like a
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  Speaker 3: year or two and can you come back on my podcast,
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  Speaker 3: and then maybe to be too popular for me. So
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  Speaker 3: I'm so excited, Money Diarist, Before I ask any more
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  Speaker 3: gritty questions, what grade would you give you money habits
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  Speaker 3: if I asked you to give them a grade from
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  Speaker 3: A three to.
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  Speaker 5: F, Oh, I'd give it a C A C.
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  Speaker 4: I don't know.
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  Speaker 3: You've seen pretty money savvy from that story. Let's learn
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  Speaker 3: more about it. Tell me about your money story, Tell
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  Speaker 3: me about your business.
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  Speaker 4: Tell me about your life.
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  Speaker 5: Yes, So I was a videographer for like ten years,
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  Speaker 5: and I built that business from absolute scratch. I borrowed
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  Speaker 5: money back then ten years ago from my mom to
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  Speaker 5: buy all the equipment that I needed. I basically worked
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  Speaker 5: for free for like a year and a half, built
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  Speaker 5: up a little bit of a name in the videography world,
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  Speaker 5: smashed it for ten years, bought a house, car, had kids.
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  Speaker 4: Look at you.
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  Speaker 5: We did it. We did incredible. I'm very proud of
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  Speaker 5: what we achieved. Then my husband's also like a video editor,
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  Speaker 5: so it just really flowed really well. Then I had
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  Speaker 5: this idea from being a videographer to start this new
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  Speaker 5: business and I found a real, like real good niche
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  Speaker 5: in the market, and I invented a product that literally
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  Speaker 5: did not exist.
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  Speaker 4: I love this, and you can be so like.
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  Speaker 3: I don't want to be too pervy, because like these
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  Speaker 3: are meant to be anonymous, But if you're comfy saying it,
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  Speaker 3: I'm comfy sharing it. I don't want you to think
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  Speaker 3: that you can't do a little shameless self promoted the
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  Speaker 3: ses on the money community a little.
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  Speaker 5: Bit of a self promot. Well, I basically invented the
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  Speaker 5: world's first iPhone case for the built in fully tiltable
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  Speaker 5: stand and it's designed content creators.
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  Speaker 4: Yeah that's crazy.
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  Speaker 5: How So it's literally like imagine a beautiful normal silicon
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  Speaker 5: iPhone case, very trendy, lush, and then on the sides
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  Speaker 5: is basically like a stand that swings forwards and that
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  Speaker 5: so you can take any anger course three hundred and
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  Speaker 5: sixty degrees around the phone. And it's built into the
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  Speaker 5: case so you don't have to like use tripods or
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  Speaker 5: like magnetic things that you're going to forget. Like it's
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  Speaker 5: literally built and you prop it up anywhere, anytime. And
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  Speaker 5: actually it was definitely designed with content creer. Oh my god,
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  Speaker 5: look you're a little tripod thing. Yeah, I'll send you tripod.
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  Speaker 4: No, no, no, I will buy one from you.
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  Speaker 3: I'm not taking your free shit, thank you, though I
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  Speaker 3: appreciate it. I'm holding up a very dodgy looking iPhone
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  Speaker 3: stand that I sadly use.
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  Speaker 4: On the daily.
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  Speaker 5: I will. I've got you key a little.
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  Speaker 3: Bit embarrassing, but it sounds like you have it sorted.
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  Speaker 3: And yes, that's quite a niche, but like people want that.
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  Speaker 3: Every man in his dog these days is becoming a
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  Speaker 3: content creator, and you want the stuff in your pocket,
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  Speaker 3: Like you don't want to be lugging around a tripod
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  Speaker 3: and also I don't want to be seen carrying a tripod.
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  Speaker 5: Everyone say it's like, you know, imagine a moment's happening,
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  Speaker 5: like out with your kids or you're in the street,
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  Speaker 5: or like, I was not that person that was going
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  Speaker 5: to set up a tripod in the middle of the
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  Speaker 5: street to capture myself.
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  Speaker 4: And you're a videographer as well, so if anyone would have,
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  Speaker 4: it would have been you.
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  Speaker 5: That's it. And also like I'm like, I feel it's
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  Speaker 5: nowadays like all this organic content that really converts and
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  Speaker 5: that it tells a story and so if you take
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  Speaker 5: five ten minutes to set up the shot, the moments
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  Speaker 5: over like and actually I'm finding that lords of moms
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  Speaker 5: are using it for like recipes or listening to podcasts or.
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  Speaker 4: That's so smart.
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  Speaker 3: I'm always propping my phone up on a drink so
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  Speaker 3: that I can see my tiktoks while I do my
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  Speaker 3: makeup doom scrolling.
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  Speaker 5: It's perfect for that whatever you need to do. Like,
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  Speaker 5: it's a really good invention and I'm so proud of it,
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  Speaker 5: but it has well done.
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  Speaker 4: I'm so excited for you.
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  Speaker 5: It's definitely it's cost us. Oh my god, we're more
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  Speaker 5: than what we ever imagined.
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  Speaker 4: And it's always the way with business, isn't it.
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  Speaker 5: It's a lot.
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  Speaker 3: Oh my gosh. So tell me a bit more. So
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  Speaker 3: you've still started your business. But what are you and
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  Speaker 3: your partner doing right now for work? And what amount
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  Speaker 3: of money are you earning?
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  Speaker 5: Yeah, so at the moment, obviously we launched officially launched
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  Speaker 5: our company two weeks ago, so obviously we're getting sales
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  Speaker 5: from that. We'll get into that.
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  Speaker 4: I'm sure you're already getting sales from this product.
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  Speaker 5: Yeah, we're getting like stop hair coverage, like six to
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  Speaker 5: eight a day at the minute.
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  Speaker 4: Stop hair.
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  Speaker 5: Is that good?
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  Speaker 4: I'm so proud of you, and I've had nothing to
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  Speaker 4: do with this. It's that good.
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  Speaker 3: What do you mean is that good? Most people launch
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  Speaker 3: their small business and have no sales.
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  Speaker 5: Well, you know, you see all these success stories and
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  Speaker 5: I'm on TikTok and we slow down on twenty four
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  Speaker 5: hours and I'm like, oh my god, is this good?
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  Speaker 5: Is it not?
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  Speaker 4: No, that's not normal. That's not normal.
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  Speaker 3: And you know what I've found over the years is
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  Speaker 3: I see that content it's a little bit click baity
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  Speaker 3: and you look at their stuff and you go, that
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  Speaker 3: can't be right. And I'm such a skeptic, right, like
• 6:37
  Speaker 3: I will snoop on you, like not you pe particularly,
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  Speaker 3: but like I'll snoop on stuff. If you're big noting
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  Speaker 3: yourself on TikTok, you've opened yourself up for me to
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  Speaker 3: absolutely look through your website. Sorry you did that to yourselves,
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  Speaker 3: And I go, you didn't sell out in the first thing.
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  Speaker 3: In fact, you've quote launched six times, Like what is
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  Speaker 3: going on here? People just want that, And there is
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  Speaker 3: this like it's like a I don't know, bandwag anything.
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  Speaker 3: Like if you tell someone, oh my god, we sold out,
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  Speaker 3: they automatically feel like they missed out. So it's also
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  Speaker 3: a marketing strategy, like I have seen people put like
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  Speaker 3: even on their website.
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  Speaker 4: Right. So let's let's say you have like fifty.
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  Speaker 3: Phone cases in stock or whatever you know that, but
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  Speaker 3: you don't put fifty there. You say that you only
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  Speaker 3: have five left, and then when people are at checkout,
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  Speaker 3: they go, oh shit, there's only five left. I need
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  Speaker 3: to check out quickly. And it's just these marketing tactics
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  Speaker 3: that put more pressure on the seller. But then as
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  Speaker 3: a small business owning yourself. You're probably looking at you know,
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  Speaker 3: I don't think there are many competitors for you, but
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  Speaker 3: you could look at other like phone case companies. You're thinking,
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  Speaker 3: oh my god, they're selling out so quickly. That might
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  Speaker 3: not be true. So that's why we need to just
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  Speaker 3: stick in our own lane and just like put the
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  Speaker 3: blinkers on, especially when you launch bit sorry getting that
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  Speaker 3: many sales when you're two weeks old, Go in my
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  Speaker 3: business Bible community and ask them how long did it
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  Speaker 3: take you to sell a product? And so many of
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  Speaker 3: them are going to be like, babe, months months I
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  Speaker 3: launched and I had one. It was my mom, Like
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  Speaker 3: that happens so often. You are doing so I'm so
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  Speaker 3: excited for you.
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  Speaker 5: That makes me feel so much better. Yeah, it's been
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  Speaker 5: It has been quite like a rough two weeks obviously,
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  Speaker 5: just I think expectation versus reality. I think the pressure
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  Speaker 5: and hitting me of like how much we borrowed, how
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  Speaker 5: much we poll and it's not going to get paid
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  Speaker 5: back of the night, and the people that I have
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  Speaker 5: borrowed from, like my family, they are sore understanding of that.
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  Speaker 5: I think it's like these awn really unrealistic expectations I've
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  Speaker 5: put on myself.
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  Speaker 3: That always always, so small business owners, you've got to
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  Speaker 3: be a little bit de Lulu. But like anything that
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  Speaker 3: you can think about negatively, you can think about positively
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  Speaker 3: as well, Like it's an active choice. So like instead
• 8:43
  Speaker 3: of going, oh my god, we owe so much money.
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  Speaker 3: Oh my god, Like why can't we just be delusional
• 8:47
  Speaker 3: about the sales? Oh my god, I've got six sales.
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  Speaker 3: I reckon next week, I could do double. Like, let's
• 8:51
  Speaker 3: just step into delulu a little bit, because right now
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  Speaker 3: you're just manifesting the worst.
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  Speaker 4: That's not what we do, not in this house.
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  Speaker 5: I hear, I hear you. That is very true. So
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  Speaker 5: we literally launched two weeks ago. And then so I'm
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  Speaker 5: a videographer, like I was saying, So basically, I'm trying
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  Speaker 5: to do maybe between two and four jobs a month
• 9:13
  Speaker 5: or videography. I used to do a ridiculous amount, but
• 9:16
  Speaker 5: now I'm like trying to limit myself because my business
• 9:19
  Speaker 5: needs a lot of attention. So I get about throw
• 9:23
  Speaker 5: it between three and four thousand a day from videography.
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  Speaker 5: So if I do that, say two to four times
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  Speaker 5: a month, that's definitely enough for us to kind of
• 9:30
  Speaker 5: put food on the table.
• 9:32
  Speaker 4: That's incredible. How good.
• 9:34
  Speaker 5: Yeah, that's really great. Yeah, Like I shop for some
• 9:37
  Speaker 5: awesome brands this week and I love that. So it's
• 9:40
  Speaker 5: for me, it's like, it's not hard work going back
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  Speaker 5: to something that I love and I know that it's
• 9:45
  Speaker 5: going to take a bit of time to build up
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  Speaker 5: this new one. And my husband he does contracts with
• 9:50
  Speaker 5: different people, and he like edits podcasts, so he edits
• 9:53
  Speaker 5: exercise classes and so he brings in enough to kind
• 9:57
  Speaker 5: of cover the mortgage and a bit of food type
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  Speaker 5: of thing.
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  Speaker 4: And you're still able to build your business on the side.
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  Speaker 4: I love it. And you have two babies.
• 10:04
  Speaker 5: Two babies, yeah, too young, So you're.
• 10:06
  Speaker 4: Not busy at all. You've got not much going on.
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  Speaker 5: Yeah, I'm pretty churely, you know, there's I find a
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  Speaker 5: lot of space and time. Yeah.
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  Speaker 4: I love that.
• 10:13
  Speaker 3: So tell me about your big money goals, Like what
• 10:17
  Speaker 3: does that look like moving into the future. Are they
• 10:19
  Speaker 3: mainly business focused? Are they lifestyle? Are they retirement? I
• 10:22
  Speaker 3: don't know what page are you on.
• 10:24
  Speaker 5: Yeah, I think for me it's definitely lifestyle. I really
• 10:29
  Speaker 5: want to build this business up, hire the right people,
• 10:32
  Speaker 5: and the truth is just literally be able to travel
• 10:35
  Speaker 5: with my babies and my family like that is like
• 10:38
  Speaker 5: that for me is the ultimate you know, like going,
• 10:41
  Speaker 5: not not traveling like a Nike he or a night
• 10:42
  Speaker 5: they're like going somewhere for six months and immersing ourselves
• 10:46
  Speaker 5: working as well, you know, like online and doing it.
• 10:49
  Speaker 5: But for me, it would be to take my babies
• 10:51
  Speaker 5: around the world is like my ultimate dream.
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  Speaker 4: I love that.
• 10:55
  Speaker 3: And tell me a little bit more about your babies.
• 10:57
  Speaker 3: How old are they.
• 10:58
  Speaker 5: We've got a one year old and three year old.
• 11:00
  Speaker 4: I'll stop it. So you've got actual baby and you're
• 11:04
  Speaker 4: starting a bit.
• 11:05
  Speaker 5: One of them is still breastfeed, which is really intense
• 11:08
  Speaker 5: because obviously she's just a bit of a booby fingd
• 11:12
  Speaker 5: that's all she wants. And my eldest is I mean
• 11:16
  Speaker 5: like a tornad or in a three year old's body.
• 11:18
  Speaker 5: He is just, oh my god, the energy, the everything
• 11:23
  Speaker 5: is big and heightened with him. So yeah, it's quite intense.
• 11:26
  Speaker 5: We have quite an intense We've got ducks, chickens, dogs,
• 11:28
  Speaker 5: we've got rabbits, We've got Yeah.
• 11:30
  Speaker 4: You're living my actual dream. And also sorry, props to you, mum.
• 11:35
  Speaker 4: Breastfeeding for more than a year like that is rough. Like,
• 11:39
  Speaker 4: don't get me wrong, special but rough.
• 11:41
  Speaker 5: It's rough. But when we're going to New York actually
• 11:43
  Speaker 5: next week, so when I get back, I'm weaning. I'm done,
• 11:46
  Speaker 5: like I'm doing it for flights, doing it for all.
• 11:48
  Speaker 3: I was about to say, if I had a holiday
• 11:50
  Speaker 3: coming up and I was still breastfeeding, I would not
• 11:52
  Speaker 3: be giving up breastfeeding yet. Sorry, that is also a
• 11:54
  Speaker 3: secret weapon. Yeah, your genius. What are you going to
• 11:57
  Speaker 3: New York for?
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  Speaker 5: My company is sponsoring the over there. And also I'm
• 12:01
  Speaker 5: going to Female Founder World.
• 12:04
  Speaker 3: Stop it.
• 12:04
  Speaker 4: Jasmine's my favorite.
• 12:05
  Speaker 3: I was hanging out with her last week and recorded
• 12:08
  Speaker 3: a podcast episode with her.
• 12:09
  Speaker 5: Oh my god, I saw fun girl Jasmine like I
• 12:13
  Speaker 5: saw fun Girl her. I'm so excited.
• 12:16
  Speaker 4: She's so cool. Oh my god, she's so cool. She's
• 12:19
  Speaker 4: just the coolest.
• 12:19
  Speaker 3: I love it, and I love Female Founder World, and
• 12:21
  Speaker 3: I can't believe you're going all the way over there.
• 12:23
  Speaker 3: I'm going to message her and let her know that
• 12:25
  Speaker 3: one of my She's on the Money community members is going,
• 12:28
  Speaker 3: because that's crazy.
• 12:29
  Speaker 4: I would love to go.
• 12:30
  Speaker 5: You should come with me. Let's just go.
• 12:32
  Speaker 3: Oh, I wish you should see my calendar, like I
• 12:36
  Speaker 3: wish so before I.
• 12:38
  Speaker 4: Agree to flights to New York.
• 12:39
  Speaker 3: Let's take a really quick break because on the flip side,
• 12:42
  Speaker 3: what we're going to do is, I want to talk
• 12:44
  Speaker 3: more about this investment that you've made in your company
• 12:46
  Speaker 3: and how you crowdsourced that through your friends and family.
• 12:49
  Speaker 3: I want to talk about more debt and then best
• 12:51
  Speaker 3: and most money habits. So guys don't go anywhere, all right,
• 12:58
  Speaker 3: money drivest We are back, and I want to talk
• 13:00
  Speaker 3: about investment. You said in your message in you were like,
• 13:04
  Speaker 3: you know, we lost seventeen thousand dollars to a sourcing agency,
• 13:08
  Speaker 3: had to take it a loan on our home, and
• 13:09
  Speaker 3: then turned to family and somehow managed to raise two
• 13:12
  Speaker 3: hundred grand. Can you tell me more about that process
• 13:14
  Speaker 3: because that sounds really stressful.
• 13:16
  Speaker 5: Yeah, slightly stressful. So we started this process. We got
• 13:20
  Speaker 5: kind of promised the world from a sourcing agency. So
• 13:24
  Speaker 5: the sourcing agency was supposed to basically help us with
• 13:27
  Speaker 5: the product, get it through to finding us a manufacturer,
• 13:31
  Speaker 5: getting it produced. Everything like that long, long, long story,
• 13:34
  Speaker 5: short that never happened. We lost seventeen thousand dollars. We
• 13:38
  Speaker 5: lost a year and a half in this game, which
• 13:40
  Speaker 5: is such a long time like we could have had
• 13:43
  Speaker 5: this done a long time ago. We cut ties with
• 13:46
  Speaker 5: them and literally hired my neighbor who helped us source
• 13:51
  Speaker 5: the entire thing. And so basically the money side of
• 13:54
  Speaker 5: things was, we had eight thousand dollars saved. We were
• 13:58
  Speaker 5: going to maybe buy second property or try and do
• 14:00
  Speaker 5: something like do up the house, do something with it.
• 14:03
  Speaker 5: Then I had this idea. We put eighty thousand dollars.
• 14:06
  Speaker 5: I think it's more about like one hundred maybe of
• 14:08
  Speaker 5: our own money. Now, yeah, eighty thousand dollars we put
• 14:12
  Speaker 5: down and then found out I was pregnant two weeks later,
• 14:16
  Speaker 5: then literally took out one hundred thousand dollars on our
• 14:20
  Speaker 5: house from like the equity hour broker helped us get that.
• 14:24
  Speaker 5: Then we are so ridiculously blessed that we both have
• 14:29
  Speaker 5: a set of parents that believe wholeheartedly in us and
• 14:32
  Speaker 5: what we do.
• 14:33
  Speaker 4: Oh, I love this. Everybody deserves that.
• 14:36
  Speaker 5: Everybody deserves that. And they're both I wouldn't say we're
• 14:40
  Speaker 5: from wealthy families, but they're both they okay, do you
• 14:43
  Speaker 5: know what I mean? They're stable. One of them's at
• 14:44
  Speaker 5: my partner's parents are retired, and they're like houses paid off,
• 14:48
  Speaker 5: they're good and my parents are separated, and my mum's
• 14:52
  Speaker 5: in a good space like financially and she they both
• 14:56
  Speaker 5: lent us a good amount of money to help us
• 14:59
  Speaker 5: reach this goal. We need it.
• 15:01
  Speaker 3: That's so good And can I be real perfect? What
• 15:06
  Speaker 3: type of investment? So, like, you've said you own a
• 15:09
  Speaker 3: company and you've invented the world's first Like what is it?
• 15:13
  Speaker 3: It says on your website. I've got it up now.
• 15:14
  Speaker 3: I've been stalking you while you're talking. It says, the
• 15:16
  Speaker 3: world's first iPhone case with a built in, fully tiltable
• 15:19
  Speaker 3: stand for creators, TikTokers and UGC Wizards. It's a pocket
• 15:23
  Speaker 3: sized superhero in your phone. I'm sorry, they're really flipping cute,
• 15:27
  Speaker 3: Like they are so cute you will write, But tell
• 15:31
  Speaker 3: me how much does that like for me? That I'm
• 15:34
  Speaker 3: looking at this business and I'm like, hold on, that
• 15:37
  Speaker 3: feels like a big investment because you're not just doing
• 15:40
  Speaker 3: one product and then shipping it out.
• 15:41
  Speaker 4: You've got multiple colors.
• 15:43
  Speaker 3: You probably have multiple phone cases because like everybody's got
• 15:48
  Speaker 3: a different style, size phone.
• 15:50
  Speaker 4: You can't just do one. What's that look like?
• 15:53
  Speaker 5: Yeah, so Lung's began. This is super mass that you
• 15:56
  Speaker 5: can work out really quickly. Basically every time up or
• 15:59
  Speaker 5: really an iPhone. Let's say they release a fifteen series,
• 16:02
  Speaker 5: there's four sizes, and each time we get a different size,
• 16:07
  Speaker 5: we have to pay thirteen thousand dollars per mold. Then
• 16:10
  Speaker 5: you have MQ's per collor per size, so you're looking
• 16:14
  Speaker 5: at about twenty thousand dollars per size like fifteen fifteen
• 16:20
  Speaker 5: pro fifteen probats. It's so costly. And then because we've
• 16:24
  Speaker 5: invented something that literally didn't exist, it's not like drop shipping.
• 16:27
  Speaker 5: I can't just like chuckle over one in common. And
• 16:30
  Speaker 5: also the mechanism in here is tiny, so to get
• 16:34
  Speaker 5: the it seems like nothing like people like, yeah, you've
• 16:37
  Speaker 5: put some like a little stand on a phone. I'm like,
• 16:39
  Speaker 5: get that mechanism working. Like we had to pay like
• 16:42
  Speaker 5: to keep it slimlin, Yeah, to keep it slim light,
• 16:44
  Speaker 5: to keep the resistance like it's got a good amount
• 16:46
  Speaker 5: of resistance. It's been the biggest eye opener. It was
• 16:50
  Speaker 5: so expensive, so much more than we ever planned. And
• 16:53
  Speaker 5: I literally just had to ask my family for more
• 16:55
  Speaker 5: money two days ago because we need to get the
• 16:57
  Speaker 5: iPhone seventeen series out. That they've just really.
• 17:00
  Speaker 3: Oh yeah, and they basically relates a new iPhone every year,
• 17:02
  Speaker 3: now don't they. So like that's got to be something
• 17:04
  Speaker 3: that you've got to predict and go, okay, cool and
• 17:08
  Speaker 3: creators are crazy.
• 17:09
  Speaker 4: They always have the newest iPhone.
• 17:10
  Speaker 3: Absolutely, yeah, like how annoying. How annoying, but also how cool?
• 17:15
  Speaker 3: Like is that something that you foresaw when you started
• 17:18
  Speaker 3: the journey? Like has this been like you're like I
• 17:21
  Speaker 3: knew that would happen or were you like, oh far out,
• 17:23
  Speaker 3: sorry forgot to think about that.
• 17:25
  Speaker 5: Yeah, look, we kind of did. I think that we
• 17:27
  Speaker 5: maybe underestimated how much each mold would cost, and we
• 17:30
  Speaker 5: kind of underestimated. We just underestimated everything. I think we
• 17:36
  Speaker 5: never done anything like this before and it has been yeah,
• 17:39
  Speaker 5: incredibly educational, put it that way. But yeah, yeah, now
• 17:44
  Speaker 5: we fully get it and now we all estimate everything.
• 17:47
  Speaker 5: You know, we knew that Apple were going to bring
• 17:49
  Speaker 5: out a new iPhone every year. It's a pro andercn
• 17:52
  Speaker 5: because people come back every year, but we also have
• 17:55
  Speaker 5: to spend x amount per year to get the molds
• 17:57
  Speaker 5: made and the minimum molder quantity done, so is bit
• 18:00
  Speaker 5: of a pra under con you know. But yeah, it
• 18:03
  Speaker 5: was blonde.
• 18:04
  Speaker 3: Hey, and do you so I'm assuming that basically all
• 18:07
  Speaker 3: your investing money and any free cash flow is going
• 18:10
  Speaker 3: into this so you're not investing in any other way,
• 18:13
  Speaker 3: shape or form. Just I'm assuming because you said, oh,
• 18:15
  Speaker 3: we had to ask family for money, Like, do you
• 18:17
  Speaker 3: know what I mean? Is that the right thing? To
• 18:20
  Speaker 3: assume that basically all your cash is just going towards
• 18:22
  Speaker 3: this business.
• 18:23
  Speaker 5: Everything it's either pair the mortgage, buy food, or put
• 18:26
  Speaker 5: it into our business. Yeah?
• 18:27
  Speaker 3: Yeah, fair, fair, And tell me a little bit more
• 18:30
  Speaker 3: about the debt. So you know, you've managed to raise
• 18:33
  Speaker 3: two hundred grand to build the business up without investors.
• 18:36
  Speaker 3: But how are you managing that? Because I'm often really
• 18:39
  Speaker 3: apprehensive of raising money and capital with family because it
• 18:41
  Speaker 3: can be really scary. It sounds like you've got a
• 18:43
  Speaker 3: super supportive family and like it works for you. But
• 18:46
  Speaker 3: like how you tracking that debt? How like do you
• 18:49
  Speaker 3: have a repayment plan? What other debts have you got?
• 18:52
  Speaker 3: Because like, I'm just so pervy.
• 18:54
  Speaker 5: No, please, I love it. I feel like I'm like
• 18:56
  Speaker 5: this in other areas of people's lives. I okay, So basically,
• 19:00
  Speaker 5: the one hundred thousand dollars on the house we pay
• 19:03
  Speaker 5: interest on per month, and so we pay I think
• 19:06
  Speaker 5: about five hundred dollars interest per month on that hundred
• 19:11
  Speaker 5: grand as well as the mortgage, and basically as soon
• 19:16
  Speaker 5: as we put money into that offset account, that will
• 19:18
  Speaker 5: go down. So we were not too phased about that
• 19:21
  Speaker 5: at the minute. Like, that's quite an all right deal
• 19:23
  Speaker 5: for us. Family, bless their little hearts. Haven't asked for
• 19:27
  Speaker 5: any repayments. They're like, get yourself sorted, get yourselves going. Yeah.
• 19:32
  Speaker 5: My dad's like, I kind of see this as you know,
• 19:35
  Speaker 5: a little bit of a longer term thing to me
• 19:37
  Speaker 5: and my mum are really close. She's actually our first hire,
• 19:39
  Speaker 5: unpaid of course at the moment, but she handles all
• 19:42
  Speaker 5: of our finances, so she'll be able to let me
• 19:45
  Speaker 5: know when we can pay her and she'll.
• 19:46
  Speaker 4: Be like, by the way, you owe me a whole salary,
• 19:49
  Speaker 4: that's right.
• 19:51
  Speaker 5: And again, yeah, my partner's parents same type of thing,
• 19:54
  Speaker 5: Like I don't. We're very close with our family. They
• 19:57
  Speaker 5: haven't given us any terms, which I guess for some
• 20:00
  Speaker 5: people might feel really scary, but I think that we're.
• 20:03
  Speaker 3: Very everybody's different, right, there's like quote the textbook right
• 20:07
  Speaker 3: way you should do this, and then there's the way
• 20:09
  Speaker 3: that works for you, and they're all different. Like I
• 20:11
  Speaker 3: can't come on here and say like, well, you should
• 20:13
  Speaker 3: have done it differently.
• 20:14
  Speaker 4: It's just not going to work. Like your parents would
• 20:16
  Speaker 4: probably be like, oh well, I don't want to sign anything.
• 20:18
  Speaker 3: I was just happy to support you while you're making
• 20:20
  Speaker 3: it so complicated money direst Like everybody is different, and
• 20:24
  Speaker 3: I think that that's the beautiful thing about sharing these
• 20:26
  Speaker 3: money stories because I get to learn about you and
• 20:29
  Speaker 3: learn about what works for you. But then on the
• 20:31
  Speaker 3: flip side, right, like, let's pretend my sister comes to
• 20:33
  Speaker 3: me and wants to start a business, because I've been
• 20:36
  Speaker 3: through business so much because that's like my bread and butter,
• 20:39
  Speaker 3: and I've set people up, I've had failed partnerships. I've
• 20:42
  Speaker 3: seen lots of other people fail their partnerships. Even if
• 20:46
  Speaker 3: it was my sister and I adore her and I
• 20:47
  Speaker 3: trust her, at the end of the world, i'd be like,
• 20:48
  Speaker 3: sign here, Mike, whereas.
• 20:50
  Speaker 4: Other people aren't like that, and that's so fine.
• 20:53
  Speaker 3: But again, there's no right, there's no wrong, and it
• 20:56
  Speaker 3: doesn't really matter.
• 20:58
  Speaker 4: Tell me a bit about the house.
• 21:00
  Speaker 3: So you've got one hundred K as a loan against
• 21:02
  Speaker 3: the house for the business.
• 21:04
  Speaker 4: But what type of mortgage are you still sitting on?
• 21:06
  Speaker 5: So got our house for seven hundred and forty thousand,
• 21:10
  Speaker 5: and we put one hundred thousand down. Oh good, Yeah,
• 21:13
  Speaker 5: so we're paying off six hundred and forty thousand. I
• 21:15
  Speaker 5: think that's at the minute. With the interest rates gone,
• 21:18
  Speaker 5: I think we're on about like nine hundred one thousand
• 21:20
  Speaker 5: dollars a week or something for our mortgage. And that
• 21:24
  Speaker 5: is obviously that feels expensive to us now. It didn't
• 21:27
  Speaker 5: when I was full time videographer. We kind of breezed
• 21:30
  Speaker 5: through it. We were very I felt very abundant, and
• 21:33
  Speaker 5: it's but it has been two years now where we're
• 21:35
  Speaker 5: just like, oh my god, I'm so sick of being
• 21:37
  Speaker 5: skinned Like it's yeah.
• 21:40
  Speaker 3: It's hard, and it's like a sacrifice you make in
• 21:43
  Speaker 3: order to invest into a business. Let me be a
• 21:46
  Speaker 3: little bit more pervy. When you were a videographer, what
• 21:48
  Speaker 3: were you making per year? Like, what were your tax returns?
• 21:51
  Speaker 4: Looking like?
• 21:52
  Speaker 5: Yeah, we were I think I was doing about two
• 21:54
  Speaker 5: hundred and fifty between two hundred and twenty two hundred
• 21:56
  Speaker 5: and fifty kre.
• 21:58
  Speaker 4: Yeah, that's so good.
• 22:00
  Speaker 3: You're an icon and I mean, I don't want to
• 22:02
  Speaker 3: say that it won't work out because I think your
• 22:03
  Speaker 3: business is sick, but like it's just so nice that
• 22:06
  Speaker 3: you've built up that reputation in the industry. And I
• 22:08
  Speaker 3: have no doubt if you're like, you know what, I
• 22:10
  Speaker 3: really need to turn this videographer stuff back on the
• 22:13
  Speaker 3: idea that you could turn back to having an income
• 22:16
  Speaker 3: of two hundred grand.
• 22:18
  Speaker 4: Does that make you.
• 22:18
  Speaker 3: Feel really secure in the decisions you're making at the moment?
• 22:21
  Speaker 5: Yeah, I mean it does. But I'm a very black
• 22:24
  Speaker 5: or white person sometimes, so I'm likely to I've started this,
• 22:28
  Speaker 5: I will finish this, I will make.
• 22:29
  Speaker 3: Oh yeah, no, same same. But it must be nice
• 22:32
  Speaker 3: to know that you've got the skills.
• 22:34
  Speaker 5: At night knowing if she hit the fine, we will.
• 22:38
  Speaker 4: Yeah, yeah, yeah, yeah, we'll be all right. We'll still
• 22:40
  Speaker 4: be able to pay a mortgage.
• 22:41
  Speaker 3: I'll still be able to get my kid's food on
• 22:43
  Speaker 3: the table, all of that stuff. Even though you are
• 22:45
  Speaker 3: being a bit skinned at the moment, is that something
• 22:48
  Speaker 3: that's starting to impact you, like mentally or physically, or
• 22:52
  Speaker 3: is that just like a I'm just so excited for
• 22:54
  Speaker 3: this business to take off, like but also it kind
• 22:56
  Speaker 3: of sucks not having some more financial freedom.
• 22:58
  Speaker 5: Yeah, I will say it's very up and down. Like
• 23:01
  Speaker 5: there are some days where it doesn't bother me at all,
• 23:03
  Speaker 5: and I'm like, this is part of the journey, this
• 23:05
  Speaker 5: is part of our story, and you know, we talk
• 23:07
  Speaker 5: about it very openly as a family and different things
• 23:10
  Speaker 5: like that. But there are some days where like it
• 23:13
  Speaker 5: literally feels like somebody is sat on my chest and
• 23:17
  Speaker 5: I look at these little eyes watching me, and I think,
• 23:20
  Speaker 5: oh my god. I will be honest, like, it does
• 23:22
  Speaker 5: quite get to me sometimes. And I also think about
• 23:25
  Speaker 5: our family and how much they trust us and how
• 23:27
  Speaker 5: much they've lent us, and it does make me sometimes
• 23:31
  Speaker 5: feel quite anxious. But then I get feedback about the product,
• 23:36
  Speaker 5: and I get feedback from people, and then my mum
• 23:39
  Speaker 5: will just text me, I believe in you, baby, You've
• 23:41
  Speaker 5: got this, And then I'm like, god, I do I do?
• 23:43
  Speaker 5: You know? And it goes up and down.
• 23:45
  Speaker 3: Like that stop it And like I obviously the second
• 23:48
  Speaker 3: you told me your business, I was like, I'm going
• 23:50
  Speaker 3: to google this and it's beautiful, Like it's not just beautiful,
• 23:53
  Speaker 3: but it's like practical, Like I feel like if you
• 23:56
  Speaker 3: just come out with phone cases I would have been like,
• 23:57
  Speaker 3: oh cute, they're really nice. I hope it goes really well.
• 24:00
  Speaker 3: Like sorry, I'm always propping my phone up on something.
• 24:02
  Speaker 3: All of my friends are always propping their phone up
• 24:04
  Speaker 3: on something Like this just makes sense. So I'm like,
• 24:07
  Speaker 3: why isn't what do you mean you did this first?
• 24:10
  Speaker 3: Like what do you mean someone else hasn't thought about this?
• 24:12
  Speaker 4: Like how good?
• 24:13
  Speaker 5: And our goal as well is to be like a
• 24:15
  Speaker 5: full ecosystem for content creers. So we're working on our
• 24:18
  Speaker 5: second product, we're working on audio or like, we don't
• 24:22
  Speaker 5: want to just be a phone case company. We basically
• 24:24
  Speaker 5: want to be for anybody that creates content you need anything,
• 24:28
  Speaker 5: like we are specifically designed for you type of thing.
• 24:31
  Speaker 4: Yeah, I adore. What are next steps?
• 24:33
  Speaker 3: So let's say this goes really well and then all
• 24:35
  Speaker 3: of a sudden you've got some additional cash flow, Like
• 24:38
  Speaker 3: we're paying back our business loans.
• 24:40
  Speaker 4: That's all fun. Are the other products in the works?
• 24:42
  Speaker 3: Like don't tell me because we can't have other people
• 24:44
  Speaker 3: stealing those ideas? Or are you like no, no, no,
• 24:47
  Speaker 3: Like we're just in this one silo and we're going
• 24:49
  Speaker 3: to just get really good at this, Like what's the
• 24:50
  Speaker 3: plan there.
• 24:51
  Speaker 5: Is the most epic second product in the work. I
• 24:56
  Speaker 5: can't say it better than the first one, but I will.
• 24:59
  Speaker 5: I think it's on. Like people are gonna be like,
• 25:01
  Speaker 5: what like the way we've connected, Like, oh, it's creme
• 25:05
  Speaker 5: de la creme, Like you're gonna.
• 25:07
  Speaker 4: Look, oh, I love these I can't wait.
• 25:08
  Speaker 3: I'm gonna ask offline guys. You don't get to know,
• 25:11
  Speaker 3: but I'm sure as hell finding out. I love this
• 25:13
  Speaker 3: so much. Now let's move away from like getting all
• 25:16
  Speaker 3: of this. I want to know, like, you don't get
• 25:19
  Speaker 3: to this point without having some good money habits.
• 25:22
  Speaker 4: What do you think is your best.
• 25:23
  Speaker 5: I don't personally think that I'm good with money, but
• 25:27
  Speaker 5: what I will say is the only thing that I
• 25:28
  Speaker 5: can think of that comes to mind is I always
• 25:32
  Speaker 5: check my balance, Like I check it like a good
• 25:34
  Speaker 5: two or three times a day, like I just don't
• 25:36
  Speaker 5: know a while. Sometimes I'll just check just look, okay,
• 25:38
  Speaker 5: yeah good. Then if things have gone down quickly, then
• 25:41
  Speaker 5: I'm like, oh, hold on a minute, I need to
• 25:42
  Speaker 5: check on that. And that's when I remember to like
• 25:45
  Speaker 5: cancel a subscription that I'm not using, or you know,
• 25:48
  Speaker 5: I kind of see these little things so I'll say,
• 25:50
  Speaker 5: we can't get this anymore because it's just adding up
• 25:53
  Speaker 5: so much. Like I do check it a lot. I
• 25:55
  Speaker 5: think that would be my only good habit.
• 25:57
  Speaker 3: I think that's a good thing. But I also won
• 26:00
  Speaker 3: is that impacting you? Are you stressed about money so
• 26:03
  Speaker 3: you check all the time? Like is this something that
• 26:06
  Speaker 3: maybe isn't as productive as.
• 26:07
  Speaker 5: It could be? Well, you know what I think, Looking
• 26:10
  Speaker 5: even back to when we were quite financially free before kids,
• 26:14
  Speaker 5: and when I was just a videographer and building all
• 26:17
  Speaker 5: that up, I think I still checked quite a lot
• 26:19
  Speaker 5: then as well. And I think it's almost like more
• 26:22
  Speaker 5: of a soothing thing when you do have the money
• 26:24
  Speaker 5: in the car. I'm like, oh, I'm good, I'm saying,
• 26:26
  Speaker 5: And maybe it is a little bit more of an
• 26:28
  Speaker 5: anxiety think. And also I do I have to watch
• 26:30
  Speaker 5: it now because there is such little of it. I
• 26:33
  Speaker 5: do have to make sure are we on top of this?
• 26:35
  Speaker 5: Are we on top of that? So I do think yeah,
• 26:38
  Speaker 5: probably a pro and a negative. I would say yeah totally.
• 26:41
  Speaker 3: I was like, oh, that's a good thing, Like I'm
• 26:43
  Speaker 3: glad you're across it, But like, is that impacting your
• 26:45
  Speaker 3: mental health in any way? Because we just don't want Yeah,
• 26:49
  Speaker 3: we don't want you to be stressed about money, but
• 26:52
  Speaker 3: I mean at the moment, I would.
• 26:53
  Speaker 4: Be too, Like you're in the startup phases.
• 26:55
  Speaker 3: We've just got stuff to do, like we're always looking
• 26:58
  Speaker 3: and I feel like once you get further into business
• 27:00
  Speaker 3: then it does pull back a little bit. But I
• 27:02
  Speaker 3: was exactly the same. That's why I was like, how's
• 27:03
  Speaker 3: your mental health because mom wasn't great.
• 27:05
  Speaker 4: Yeah.
• 27:05
  Speaker 5: Yeah, there's been a few sleepless nights. Let's just put
• 27:08
  Speaker 5: it that way.
• 27:09
  Speaker 4: But you know what, it's part and puzzle of the journey.
• 27:11
  Speaker 3: I'm so sorry if you were sleeping through every single night,
• 27:15
  Speaker 3: I would assume that you just don't care enough, Like
• 27:18
  Speaker 3: this stuff is hard at the beginning.
• 27:20
  Speaker 4: Now, tell me, what do you think your worst money
• 27:22
  Speaker 4: habit is?
• 27:23
  Speaker 5: My worst money habit is definitely spending money on the kids.
• 27:27
  Speaker 5: Like I'm such a sucker for toys and like little things,
• 27:32
  Speaker 5: and I think that's like tied into a guilt thing
• 27:34
  Speaker 5: as well. You know, we spend so much time and
• 27:36
  Speaker 5: energy on the business.
• 27:37
  Speaker 4: Yeah, you're like, you can have another book. It is fine.
• 27:39
  Speaker 5: It's fine, exactly, and you know, my little but I
• 27:42
  Speaker 5: love this card. I'm like you can get it, buddy.
• 27:43
  Speaker 5: Like I feel like sometimes that's probably my worst money habit.
• 27:47
  Speaker 5: And I also really want to teach him that he
• 27:48
  Speaker 5: can't have everything that he wants as well.
• 27:51
  Speaker 4: You know, he's also three, so he doesn't get that yet.
• 27:53
  Speaker 4: I don't know. Oh, it's really rough. It's funny.
• 27:58
  Speaker 3: I was actually talking to a money diarist last week
• 28:01
  Speaker 3: and she and I were saying the same thing, and
• 28:03
  Speaker 3: I was like, when I was not a mum, I
• 28:05
  Speaker 3: would like, you know, obviously give financial advice and be like, well,
• 28:08
  Speaker 3: this is your budget for this and that, and like
• 28:10
  Speaker 3: clients would say the same things like oh, I'm just
• 28:12
  Speaker 3: I'm so good with like my own budget, like I
• 28:14
  Speaker 3: don't blow it on treats for me, but I'm always
• 28:16
  Speaker 3: spending on the kids, like whether that's an ice cream
• 28:18
  Speaker 3: or a baby Chino or like another TOYR book or
• 28:21
  Speaker 3: a KMA.
• 28:21
  Speaker 4: Trip or whatever.
• 28:22
  Speaker 3: And I'd be like, oh, I'm thinking in the back
• 28:24
  Speaker 3: of my head, like when I'm doing my financial planning,
• 28:26
  Speaker 3: I'm like, no, I'm probably not like that, Like I'm
• 28:28
  Speaker 3: pretty good at saying no to additional things.
• 28:31
  Speaker 4: I'm a pushover.
• 28:32
  Speaker 3: I like the second I became a mom, like I
• 28:35
  Speaker 3: only have like what a nineteen twenty month old, I
• 28:38
  Speaker 3: can't remember.
• 28:39
  Speaker 4: And if he's like, mom, one more, I'm like, you
• 28:42
  Speaker 4: can have ten, you can have ten. Take my money,
• 28:45
  Speaker 4: you want ten?
• 28:45
  Speaker 5: Take heart?
• 28:46
  Speaker 4: Take my money? Do you want my whole wallet back?
• 28:48
  Speaker 4: Like I suck and just like his little face.
• 28:51
  Speaker 3: Like the other day we went to a cafe and
• 28:53
  Speaker 3: I ordered him a baby Chino because we've just gotten
• 28:55
  Speaker 3: into this and it had sprinkles on the top, and
• 28:59
  Speaker 3: like I was like, oh, I hid the marshmallow.
• 29:01
  Speaker 4: I don't know.
• 29:01
  Speaker 3: I feel like that's a relatable mum thing to do,
• 29:03
  Speaker 3: Like no marshmallow for you, Glen Coco, that's mum text.
• 29:05
  Speaker 4: And I put it down in front of him and
• 29:07
  Speaker 4: he goes, oh.
• 29:08
  Speaker 3: Wow, And I was like, this is why I do it,
• 29:10
  Speaker 3: Like you're just he's been grateful.
• 29:12
  Speaker 4: He was just so yep, that was worth the four
• 29:15
  Speaker 4: dollars I probably paid for that.
• 29:17
  Speaker 5: Like crazy, we're until they start saying things like oh,
• 29:20
  Speaker 5: you're the best mummy ever, Please mummy, because you're the
• 29:22
  Speaker 5: best mummy ever. Then you're like, okay, you can have it.
• 29:25
  Speaker 3: I feel like they have clocked manipulation, Like people say
• 29:31
  Speaker 3: that toddlers can't be manipulative because they don't understand. I reckon,
• 29:34
  Speaker 3: they've got it clocked NA totally money dirist. This has
• 29:38
  Speaker 3: been really beautiful. But at the start you said, look,
• 29:42
  Speaker 3: I'm a sea, but you're managing money pretty well. I
• 29:44
  Speaker 3: can say that you're still a little bit stressed about it.
• 29:47
  Speaker 3: We're in the startup phases of business. I get it.
• 29:49
  Speaker 3: What would it take to get you from this sea
• 29:51
  Speaker 3: that you said you were closer to an a Like?
• 29:54
  Speaker 3: What would you have to be doing? Is it just
• 29:57
  Speaker 3: about business success? Is it money management?
• 29:59
  Speaker 5: Like?
• 29:59
  Speaker 4: What what would it look like?
• 30:00
  Speaker 5: I think it would be a mixture of both. I
• 30:02
  Speaker 5: think if my business became a little bit more successful,
• 30:06
  Speaker 5: and I also think if I managed to plug any
• 30:10
  Speaker 5: holes in my boocket when it comes to the business, like,
• 30:13
  Speaker 5: I'm still very much figuring out, like how much does
• 30:15
  Speaker 5: it actually cost per product? Like what is the what
• 30:19
  Speaker 5: is my role as? What is my cost by acquisition?
• 30:21
  Speaker 5: Like I'm still don't know any of that. So I
• 30:23
  Speaker 5: think it will be a mixture of both. As the
• 30:25
  Speaker 5: business craws, as I learn more, I think I'll feel
• 30:28
  Speaker 5: a bit more in that ab bracket.
• 30:32
  Speaker 3: That's fair, but it feels like you're on track, So
• 30:35
  Speaker 3: that would you feel like you're like on the journey
• 30:37
  Speaker 3: or is there something that you significantly need to change
• 30:40
  Speaker 3: to get there?
• 30:41
  Speaker 5: No, I think I'm on the journey. I do. I
• 30:43
  Speaker 5: think I'm a smart chick, and I think.
• 30:46
  Speaker 3: I know you're a smart chick. I've just spent like
• 30:47
  Speaker 3: in the last half hour chatting with you. That was
• 30:49
  Speaker 3: obvious from the start.
• 30:50
  Speaker 5: My lost thank you. Well, yeah, I think I'm on
• 30:53
  Speaker 5: the I think I'm on the track.
• 30:54
  Speaker 4: I love it. Oh my god.
• 30:55
  Speaker 3: I wish we had more time together, but unfortunately we
• 30:58
  Speaker 3: have very quickly run out of time. Thank you so
• 31:00
  Speaker 3: much for sharing your story, for sharing your small business.
• 31:03
  Speaker 4: I'm going to get your.
• 31:03
  Speaker 3: Permission, hopefully offline. We'll have a chat about it, and
• 31:07
  Speaker 3: I'll see how I can promote your business with inside.
• 31:10
  Speaker 3: She's on the money, so that hopefully people.
• 31:12
  Speaker 4: Go hold on, hold on. This must have been the money.
• 31:14
  Speaker 3: Diarist and they can put two and two together themselves
• 31:18
  Speaker 3: if they're as pervy as I am. But thank you
• 31:20
  Speaker 3: so much for sharing your journey. This has been really special.
• 31:23
  Speaker 3: It's not often that a small business who's just launch
• 31:25
  Speaker 3: puts their hand up and says, ask me about my money.
• 31:28
  Speaker 4: So this has been a privilege. I really really appreciate it.
• 31:30
  Speaker 5: Thank you so much for having me. It was so
• 31:32
  Speaker 5: much fun.
• 31:39
  Speaker 3: Did buy shared on She's on the Money is general
• 31:42
  Speaker 3: in nature and does not consider your individual circumstances. She's
• 31:46
  Speaker 3: on the Money exists purely for educational purposes and should
• 31:49
  Speaker 3: not be relied upon to make an investment or financial decision.
• 31:53
  Speaker 3: If you do choose to buy a financial product, read
• 31:55
  Speaker 3: the PDS TMD and obtain appropriate financial advice tailored towards
• 31:59
  Speaker 3: your knee. Victoria Divine and Sheese on the Money are
• 32:03
  Speaker 3: authorized representatives of money sherper P T Y L t
• 32:06
  Speaker 3: D A b N three two one six four nine
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  Speaker 3: two seven seven zero eight a F s L four
• 32:12
  Speaker 3: five one two eight nine