Latest / She's On The Money / Bloopers & Borrowing From Your Besties

Transcript

Bloopers & Borrowing From Your Besties · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money.
• 0:36
  Speaker 4: She's on the Money.
• 0:57
  Speaker 2: Hello, and welcome to She's on them the podcast some
• 1:01
  Speaker 2: millennials who want financial freedom and the end of the
• 1:03
  Speaker 2: year to happen literally right now today, my friends, it
• 1:07
  Speaker 2: is Friday, and it is the last Friday of the
• 1:09
  Speaker 2: year that I am going to be getting my little
• 1:11
  Speaker 2: team together to talk about you our incredible She's on
• 1:14
  Speaker 2: the Money community today. Mis just gried. She is going
• 1:17
  Speaker 2: to be sharing her favorite money wins. Beck say ed
• 1:20
  Speaker 2: over this side of the table, you've got our three
• 1:22
  Speaker 2: broke tips to share with us. We've got a juicy
• 1:25
  Speaker 2: money dilemma. As always, this week we're going to be
• 1:28
  Speaker 2: talking all about getting started with shares, and we're gonna
• 1:31
  Speaker 2: be unpacking something you slid into our DMS about. So
• 1:33
  Speaker 2: this week we're talking about friends who borrow money a
• 1:36
  Speaker 2: little bit spicy. But I have also been told that
• 1:40
  Speaker 2: when we get to the end of this episode, our
• 1:42
  Speaker 2: producers sam And and Lisa have cut together what they're calling
• 1:46
  Speaker 2: bloopers from the year that has been scary.
• 1:50
  Speaker 4: It's my favorite things that they did last year.
• 1:52
  Speaker 2: Yeah, okay, but like I was mortified. I was like,
• 1:54
  Speaker 2: that's not that's that's literally just showing everybody who I
• 1:58
  Speaker 2: really am.
• 2:00
  Speaker 3: We're not safe.
• 2:01
  Speaker 2: We are not saying nobody is safe. Anything said in
• 2:03
  Speaker 2: the studio does apparently not stay in the studio. So
• 2:06
  Speaker 2: we have a bloops reel to share with you at
• 2:08
  Speaker 2: the very end of these episodes, So guys, don't go anywhere,
• 2:12
  Speaker 2: or if you're really bored already.
• 2:13
  Speaker 3: Just skipped to the end.
• 2:15
  Speaker 2: But before we get there, my loves, how has your
• 2:18
  Speaker 2: week been? It is the last week of twenty twenty three.
• 2:21
  Speaker 2: Beck enjoying it? Not enjoying it?
• 2:24
  Speaker 3: Where are we at? Yeah?
• 2:25
  Speaker 5: Really enjoying it? I just got back from Sydney, saw
• 2:27
  Speaker 5: the Family.
• 2:28
  Speaker 3: Oh how good is family? Yeah?
• 2:30
  Speaker 5: It was really lovely and I drove there, didn't fly
• 2:34
  Speaker 5: because you know, you guys know I hate flying, Yes,
• 2:36
  Speaker 5: and so it was just like a beautiful, therapeutic eight
• 2:40
  Speaker 5: and a half hours on the same road, the whole away.
• 2:44
  Speaker 5: But I really did enjoy it. And now I'm just
• 2:46
  Speaker 5: chilling until the office opens back up again.
• 2:49
  Speaker 4: Yeah, what's your go through road trip album? Because that's
• 2:52
  Speaker 4: like a you've got eight hours? What do you like?
• 2:54
  Speaker 5: Totally I'm big podcast up. Obviously I'll listen to She's
• 2:57
  Speaker 5: on the Money.
• 2:57
  Speaker 3: You're quite literally a podcast.
• 2:59
  Speaker 5: Yeah, But what I try and do is sit in
• 3:02
  Speaker 5: silence for as long as possible.
• 3:03
  Speaker 3: Really, I do do that.
• 3:05
  Speaker 5: I do because like, let's say, I can get through
• 3:07
  Speaker 5: an hour and a half and then when I start
• 3:09
  Speaker 5: listening to something then it feels like, do you know,
• 3:13
  Speaker 5: like I've not been myself, Like.
• 3:18
  Speaker 2: I bore myself for one hour.
• 3:20
  Speaker 4: Do you like talk to yourself in your hesh?
• 3:22
  Speaker 3: I think about things. I think about things. I look around.
• 3:27
  Speaker 2: At the same site you've seen every single time driven
• 3:30
  Speaker 2: to Sydney and.
• 3:30
  Speaker 3: Back, they're still or inspiring.
• 3:33
  Speaker 5: You know, there's something about an something about an open
• 3:37
  Speaker 5: road in summer jest, you totally get it.
• 3:39
  Speaker 4: But see, I would put on like a country like
• 3:42
  Speaker 4: you do a country album.
• 3:43
  Speaker 2: I would do either the Taylor Swift eras to a
• 3:46
  Speaker 2: set list, which I have been listening to on repeat
• 3:48
  Speaker 2: on Spotify. I also read something recently. Do you know
• 3:52
  Speaker 2: what I can't say? I read something recently that's a
• 3:54
  Speaker 2: blatant lie, Jessica. I saw something on TikTok recently that
• 3:58
  Speaker 2: makes sense.
• 3:59
  Speaker 4: Story checks out more alright.
• 4:00
  Speaker 2: Taylor Swift trained for her Eras tour by running on
• 4:04
  Speaker 2: a treadmill while singing her entire Eras Tour set list. Wow,
• 4:09
  Speaker 2: and I can't wait for people to start training for
• 4:11
  Speaker 2: marathons that way.
• 4:13
  Speaker 4: Honestly, if there was a way to get me to run,
• 4:15
  Speaker 4: that would be Yeah.
• 4:17
  Speaker 2: I can organize that, jess No worries. I know you've
• 4:20
  Speaker 2: already got a walking pat in your house. Halfway there,
• 4:23
  Speaker 2: but I'd either listen to that or we'd just be
• 4:26
  Speaker 2: listening to really gruesome murders the entire way there.
• 4:30
  Speaker 4: I'll be in a different car.
• 4:32
  Speaker 2: You don't know what you're missing, Jessica.
• 4:34
  Speaker 5: Actually I'm also not a true crime person, but anyway, No, no, please,
• 4:37
  Speaker 5: you are not my people, no Misjessic.
• 4:41
  Speaker 2: How has your week being good?
• 4:42
  Speaker 4: Just been relaxing, eating gingerbread, eating lots and lots of gingerbread.
• 4:47
  Speaker 4: I went boxing day shopping, snagged some deals. We love that,
• 4:52
  Speaker 4: just kind of taking the break because we only have
• 4:54
  Speaker 4: a little quick one, just to enjoy it. Be aro
• 4:56
  Speaker 4: od friends, go to the beach, chill out, lovely good things.
• 5:00
  Speaker 4: How are you.
• 5:01
  Speaker 2: I'm just trying to eat this blueberry muffin because I
• 5:04
  Speaker 2: definitely haven't had enough food over this festive season. I
• 5:08
  Speaker 2: went down to the beach to spend some time with
• 5:10
  Speaker 2: my family. My parents are down there, my sister came down.
• 5:13
  Speaker 2: I've been hanging out with my husband. We're kind of
• 5:16
  Speaker 2: like in that, I don't know, we're waiting for a
• 5:18
  Speaker 2: baby to arrive. They're coming in February, at the end
• 5:21
  Speaker 2: of February, we think, So that's kind of it's just
• 5:24
  Speaker 2: a bit weird. I feel like we're in limbo. We're
• 5:27
  Speaker 2: planning for a baby. I'm uncomfortable. I'm not having the
• 5:31
  Speaker 2: best time in the heat. I'm really puffy, like all
• 5:34
  Speaker 2: of those things. Really grateful obviously, like every pregnant person
• 5:38
  Speaker 2: we're all grateful for it, but like, guys, I'm not
• 5:40
  Speaker 2: gonna lie pregnancy sucks. Which one of you was gonna
• 5:44
  Speaker 2: be like, Oh, by the way, here's a laundry list
• 5:46
  Speaker 2: of symptoms you're definitely gonna get and like it's not fun.
• 5:50
  Speaker 2: So I feel like I can be grateful for being
• 5:51
  Speaker 2: pregnant obviously cannot wait for this baby to arrive, but
• 5:55
  Speaker 2: also cannot wait to not be pregnant.
• 5:57
  Speaker 4: You're a pitiful beach ball.
• 6:00
  Speaker 2: If anyone ever tries to tell me ever again like
• 6:02
  Speaker 2: pregnancy is magical, I'm gonna be like, you're a liar,
• 6:05
  Speaker 2: A dirty liar.
• 6:06
  Speaker 4: Yeah, that seems fair.
• 6:07
  Speaker 2: I just don't know how anyone enjoys this anyway. Let's
• 6:09
  Speaker 2: get into the episode, Miss Jess Gricci, What have you
• 6:12
  Speaker 2: got when it comes to community money, wins and confessions?
• 6:15
  Speaker 4: First one is a little bit niche, but it comes
• 6:16
  Speaker 4: from Emma, and she said money win. Late October, I
• 6:19
  Speaker 4: received an email from my payroll saying I owed them
• 6:22
  Speaker 4: over three grand as I was overpaid on my birth leave.
• 6:26
  Speaker 4: My child is now almost two, by the way. It
• 6:29
  Speaker 4: didn't seem right to me, so I went back and
• 6:30
  Speaker 4: checked all my payslips and requested that they double checked
• 6:33
  Speaker 4: by doing a full audit, which they did. Fight this
• 6:36
  Speaker 4: week they email me to say, actually, you don't have
• 6:39
  Speaker 4: an overpayment at all. We actually owe you two hundred
• 6:41
  Speaker 4: dollars as we underpaid you. And also, by the way,
• 6:44
  Speaker 4: we didn't pay you forty five hundred dollars into super.
• 6:46
  Speaker 4: Well you're on birth leave.
• 6:47
  Speaker 3: Oh my goodness, excuse me.
• 6:49
  Speaker 4: She said. I'm so happy I stood my ground and
• 6:51
  Speaker 4: didn't just agree to pay it back. That is a
• 6:53
  Speaker 4: big mistake.
• 6:54
  Speaker 2: That is not just a big mistake, that's embarrassing.
• 6:57
  Speaker 4: Yeah, so they sneaky double check you or receipts always people.
• 7:01
  Speaker 3: That gives me the ick for that employer.
• 7:03
  Speaker 6: Totally.
• 7:04
  Speaker 2: Really, if I did that to you, Jess, would you
• 7:07
  Speaker 2: like try and leave? Because I would.
• 7:08
  Speaker 4: I think I'd be going. You work for finance, yea
• 7:13
  Speaker 4: extra embarrassing for me.
• 7:15
  Speaker 3: Oh my god. Imagine if I've messed up like my
• 7:18
  Speaker 3: super or my taxes or something.
• 7:22
  Speaker 4: Embarrassing.
• 7:23
  Speaker 2: Outsource it, guys, It's outsource it so I can blame
• 7:26
  Speaker 2: other people. Next, I've got a money win from Sue
• 7:28
  Speaker 2: who said I paid for a normal entry ticket to
• 7:31
  Speaker 2: a festival on the weekend, but somehow I ended up
• 7:33
  Speaker 2: with a VIP ticket around my wrist.
• 7:37
  Speaker 4: Love us.
• 7:38
  Speaker 2: She didn't didn't tell us how that happened.
• 7:40
  Speaker 4: Yeah, maybe they just gave her the wrong one.
• 7:42
  Speaker 3: And she was like, would you say something? No, you would.
• 7:47
  Speaker 4: Would exactly not in a situation where they're not losing out.
• 7:51
  Speaker 4: Do you know if I went to the shops and
• 7:53
  Speaker 4: they didn't scan something through, then probably company, I supparent.
• 7:59
  Speaker 2: And then there's me calling over the attendant of the
• 8:01
  Speaker 2: calls check out the I'm like, so this didn't go
• 8:04
  Speaker 2: through that, like when I put it in, like it
• 8:06
  Speaker 2: didn't change the measurement. Could you just like, oh, scan
• 8:09
  Speaker 2: it in? Because now I'm anxious And they're just like,
• 8:12
  Speaker 2: you should have stolen it.
• 8:13
  Speaker 3: Everybody else steals it. That's cute.
• 8:16
  Speaker 4: Well, I have a good win to come actually on
• 8:18
  Speaker 4: that theme, but firstly one from Shay who said money win.
• 8:21
  Speaker 4: I opted out of capitalism for Christmas. I didn't spend
• 8:24
  Speaker 4: money to travel to see people that made me miserable.
• 8:27
  Speaker 4: I didn't spend money on stuff people don't need or
• 8:29
  Speaker 4: want out of obligation or guilt. And I didn't spend
• 8:32
  Speaker 4: money or my health on booze that would be used
• 8:34
  Speaker 4: to cope with dealing with family drama. Amazing, weeen we
• 8:38
  Speaker 4: love to see it.
• 8:39
  Speaker 2: Also, just because they labeled as family doesn't mean you
• 8:41
  Speaker 2: have to spend any time with them. If they don't
• 8:43
  Speaker 2: nourish you, bye, absolutely completely cut them out.
• 8:47
  Speaker 4: Next, Skyly said, I bought a twenty four pack of
• 8:49
  Speaker 4: Huggies nappy pants usually twenty two dollars using a discount
• 8:53
  Speaker 4: on door dash, and only paid eighteen dollars.
• 8:55
  Speaker 2: Okay, that's good, that's a money win, already.
• 8:57
  Speaker 4: A win, but it gets better because they were out
• 8:59
  Speaker 4: of stock, so they substituted it for a pack of
• 9:02
  Speaker 4: forty eight. Who saved twenty one bucks and I didn't
• 9:05
  Speaker 4: even have to go to the shops.
• 9:06
  Speaker 2: As someone has recently been buying nappies. That stuff is wild. Actually,
• 9:11
  Speaker 2: side note, can I play a little game with you too?
• 9:13
  Speaker 4: Oh please?
• 9:14
  Speaker 2: I've been planning for a baby, and as you guys know,
• 9:17
  Speaker 2: I'm a spreadsheet girly. I'm going to need to know
• 9:19
  Speaker 2: how many nappies and newborn news is each and every
• 9:22
  Speaker 2: single day, and I'm probably gonna put it in a
• 9:24
  Speaker 2: spreadsheet calculate how many nappies I need at what size
• 9:27
  Speaker 2: and when and where and how much do nappies cost?
• 9:29
  Speaker 2: And what is the best price that I could potentially get.
• 9:33
  Speaker 2: So the real question here is goes how many nappies
• 9:36
  Speaker 2: does a newborn news each and every single day?
• 9:40
  Speaker 3: My gut says like six, Yeah, my gut says four. Four?
• 9:44
  Speaker 2: You reckon, Well it's actually nine or ten?
• 9:46
  Speaker 3: So you are you using sixty.
• 9:48
  Speaker 2: Plus nappies a week? Who when you have a newborn?
• 9:52
  Speaker 2: And I was like, nah, that math can't be right.
• 9:54
  Speaker 2: So I call one of my midwife friends and I
• 9:56
  Speaker 2: was like, hey, just wondering, like, you know, trying to
• 9:58
  Speaker 2: plan one. They will like just buy a I could
• 10:00
  Speaker 2: have nappis and buy another packet when you start to
• 10:02
  Speaker 2: run out. And it's like, well that seems quite logical.
• 10:05
  Speaker 2: I want to do the maths. I want to work
• 10:07
  Speaker 2: out what these nappie's going to cost me. Yep, And
• 10:09
  Speaker 2: it's nine or ten a day. It goes down as
• 10:13
  Speaker 2: they start to be able to like control themselves a
• 10:15
  Speaker 2: little bit better, But like, sure, what do you mean
• 10:17
  Speaker 2: ten a day?
• 10:18
  Speaker 4: That is excess?
• 10:19
  Speaker 3: That's a lot. That's a lot of.
• 10:21
  Speaker 4: Nappies so many ways, and I wonder she was so
• 10:25
  Speaker 4: excited that she got them for half the price.
• 10:27
  Speaker 2: Yeah, exactly, because you just go through them. And then
• 10:30
  Speaker 2: it makes me think about like landfill and whether they're
• 10:33
  Speaker 2: biodegradable or not, and whether I should be doing a
• 10:35
  Speaker 2: cloth nappy parenting thing, and then I have to manage
• 10:38
  Speaker 2: my entire life around clock. I just it's a lot,
• 10:41
  Speaker 2: is a lot.
• 10:41
  Speaker 4: Oh my goodness.
• 10:42
  Speaker 2: Anyway, carry on, Jess, what else have you got.
• 10:44
  Speaker 4: I've got a win from Ashley, who said I was
• 10:46
  Speaker 4: in need of a gift idea, so I decorated a
• 10:48
  Speaker 4: mug with polymer clay and I kept one as a
• 10:51
  Speaker 4: gift to myself and she put.
• 10:52
  Speaker 2: A cute that's so cute.
• 10:55
  Speaker 3: That's so.
• 10:58
  Speaker 4: And then lastly I have a wind from Beck. He said,
• 11:01
  Speaker 4: I went to buy two meters of fabric at spotlight
• 11:03
  Speaker 4: and they tried putting it through and the girl said,
• 11:05
  Speaker 4: it appears we don't sell this, just take it.
• 11:08
  Speaker 3: Wow, that is so cool.
• 11:14
  Speaker 2: Her boss is like, I saw now sing.
• 11:17
  Speaker 4: No, we don't know what happened.
• 11:18
  Speaker 3: I love that.
• 11:19
  Speaker 4: That's everything I got.
• 11:20
  Speaker 2: Oh, I think that that is a very good wrap.
• 11:22
  Speaker 2: Miss Beck sayed, what broke tips have you got for us?
• 11:25
  Speaker 2: Like the last three of the year, you're feeling the
• 11:28
  Speaker 2: pressure to make these really good.
• 11:30
  Speaker 3: A little bit trujular.
• 11:32
  Speaker 2: She doesn't care look at her face. She's like, no
• 11:34
  Speaker 2: v all my stuff is good.
• 11:35
  Speaker 5: Also, I'm very organized, so I think, I think, I feel.
• 11:39
  Speaker 4: Okay, you've never let us down before.
• 11:41
  Speaker 3: Thank you. That's so nice. You need to happen.
• 11:43
  Speaker 2: So ten out of ten, what's your first broke tip
• 11:46
  Speaker 2: of the week?
• 11:47
  Speaker 5: Okay, so this first broke tip is maybe more of
• 11:50
  Speaker 5: a life hack, but also definitely a money saver. So
• 11:53
  Speaker 5: this one's from Emma, who says that what she does
• 11:56
  Speaker 5: basically is on mealk prep days she bulk a bunch.
• 12:01
  Speaker 3: Of brown rice, white rice, whatever it is.
• 12:04
  Speaker 5: It turns out to be a lot cheaper than say,
• 12:07
  Speaker 5: buying like a one kilo bag every now and then,
• 12:10
  Speaker 5: usually not using it all. You end up leaving in
• 12:14
  Speaker 5: the back of the pantry, like one of those big ones.
• 12:16
  Speaker 3: There's really big ones, you know, there's ten kilo ones.
• 12:19
  Speaker 2: Oh my gosh, I don't need ten kilos of cooked rice.
• 12:21
  Speaker 3: You just got a bolt cook it all. Freeze it.
• 12:24
  Speaker 3: It lasts forever. Where do you put it?
• 12:26
  Speaker 4: Though?
• 12:26
  Speaker 2: I mean I didn't freeze, o, Jessica, that's where you freeze.
• 12:29
  Speaker 3: True, you don't have to cook the whole ten I
• 12:31
  Speaker 3: was gonna.
• 12:31
  Speaker 4: Say, a picture you trying to get ten killed, like
• 12:33
  Speaker 4: that whole big ass sax worth of rice into your face.
• 12:36
  Speaker 2: So I think a life wind would be just like
• 12:38
  Speaker 2: maybe cook like one kilo of it, and I would say,
• 12:41
  Speaker 2: probably don't freeze it all together either, like you know,
• 12:44
  Speaker 2: individually glad wrap the packets.
• 12:46
  Speaker 5: She gets send the photos all individually glad wrapped, which
• 12:49
  Speaker 5: is great because I feel like, even when we're cooking rice,
• 12:51
  Speaker 5: we over estimate how much we need end up chucking
• 12:54
  Speaker 5: the rest out.
• 12:55
  Speaker 2: But you can freeze rice. You can you don't need
• 12:57
  Speaker 2: to chuck it out.
• 12:58
  Speaker 5: But often you'll be like using the chicken curry spoon
• 13:01
  Speaker 5: in the rice and you're like, ah, it looks a
• 13:03
  Speaker 5: bit gross, let's just chuck it out anyway, not.
• 13:04
  Speaker 3: Gross if it's definitely not gross.
• 13:06
  Speaker 5: But I feel like when you you know, when you're
• 13:09
  Speaker 5: just doing that for per meal, yeah, you end up
• 13:12
  Speaker 5: just chucking it out. So bolt cooking a bunch of rice,
• 13:15
  Speaker 5: it's very feeling. It'll you'll need in times of need when.
• 13:19
  Speaker 2: You're just way cheaper than buying that pre prepared microwave rice.
• 13:24
  Speaker 2: You're basically making your own microwave rice much cheaper because
• 13:28
  Speaker 2: one you don't have to pay it, but two you're
• 13:29
  Speaker 2: probably going to put it in the microwave any way
• 13:31
  Speaker 2: to reheat it, So what's the problem.
• 13:34
  Speaker 3: Totally better for the environment as well. Love it, money win,
• 13:37
  Speaker 3: life win.
• 13:38
  Speaker 2: I like that one absolutely.
• 13:39
  Speaker 5: This next one comes from Alex who recently moved and
• 13:43
  Speaker 5: had a lot of kind of like half used toiletrees,
• 13:47
  Speaker 5: some were full, but ones that she wanted to donate. Unfortunately,
• 13:50
  Speaker 5: you can't really donate toiletrees due to hygiene reasons and
• 13:54
  Speaker 5: other things once they've been used. That's true, but this
• 13:58
  Speaker 5: is also kind of just we're talking about this maybe
• 14:00
  Speaker 5: last it might have been last week or maybe a
• 14:02
  Speaker 5: couple weeks ago, where she kind of set up this
• 14:05
  Speaker 5: thing with her friends where it's like a toiletry swap.
• 14:08
  Speaker 5: So when we were talking about this a couple of
• 14:10
  Speaker 5: weeks ago, we were saying, like a skill swap of sorts.
• 14:14
  Speaker 5: So you could do this with really anything with your friends,
• 14:16
  Speaker 5: if you're moving, if you've got a bunch of little
• 14:18
  Speaker 5: things that you need to declutter, just make it a
• 14:20
  Speaker 5: thing in your friendship group if you have one, or
• 14:22
  Speaker 5: in your community Facebook group or wherever, just try and
• 14:25
  Speaker 5: set up a little yeah toiletry swap little things like that.
• 14:28
  Speaker 5: She also says that this is really honestly helpful for
• 14:32
  Speaker 5: some if you're ever running low on toilet tries. Hotels
• 14:35
  Speaker 5: and hostels have stacks of abandoned ones in lost property,
• 14:38
  Speaker 5: so that is also an option if you're, like literally
• 14:41
  Speaker 5: for someone maybe doing it tough living on the street,
• 14:44
  Speaker 5: go to a hotel, go to a hostel and see
• 14:46
  Speaker 5: if they have anything in lost property. They probably even
• 14:48
  Speaker 5: have clothes and stuff in there that you could maybe take.
• 14:51
  Speaker 5: But that's something I'd never really thought of before, lost property.
• 14:55
  Speaker 4: From going to landfill or something like that.
• 14:56
  Speaker 3: Absolutely, absolutely so smart.
• 14:58
  Speaker 2: When you say, like a toilet tree swap, I laugh
• 15:01
  Speaker 2: a little bit because that was from Alex, and my
• 15:03
  Speaker 2: little sister's name is Alex, and like, I think my
• 15:06
  Speaker 2: little sister's version of a toilet tree swap is coming
• 15:09
  Speaker 2: into my house, opening my skin take and going I'll
• 15:12
  Speaker 2: take this, this and this, and I just really want
• 15:14
  Speaker 2: to try this they and then all of my stuff goes.
• 15:16
  Speaker 2: There's no swapping, there's just taking, but it's all my
• 15:20
  Speaker 2: half opened product that I might actually be enjoying. But
• 15:23
  Speaker 2: she thinks she'd enjoy more.
• 15:25
  Speaker 3: Yes, of course. Oh well that's a money win for her.
• 15:27
  Speaker 2: That's a little sister win, I think.
• 15:29
  Speaker 3: Yeah, I love that.
• 15:30
  Speaker 5: Okay, So my broke tip is I probably should have
• 15:34
  Speaker 5: mentioned this last week because it's almost the summer's almost over.
• 15:37
  Speaker 3: But basically, this summer, what are you doing? You gatekeeping?
• 15:41
  Speaker 3: I know I kind of gave all people on the
• 15:42
  Speaker 3: show to gatekeep.
• 15:43
  Speaker 5: It's you.
• 15:44
  Speaker 3: I don't believe it. I never saw this in my life.
• 15:46
  Speaker 2: I didn't see this coming either. We're gonna have to talk.
• 15:49
  Speaker 5: No, well it's not too late because holy moly, Struke
• 15:53
  Speaker 5: Bowling and Archie Brothers are all offering ten dollar games
• 15:56
  Speaker 5: and she beats over the summer.
• 15:58
  Speaker 2: Oh that's kind of cool. Yeah, if you have cute date.
• 16:02
  Speaker 3: It's a cute date, it's cheap date.
• 16:03
  Speaker 5: You can take your friends, you can take your family,
• 16:05
  Speaker 5: maybef you have little kids and you don't want to
• 16:07
  Speaker 5: be blowing the budget over the school holiday.
• 16:10
  Speaker 2: Also, maybe want air conditioned space to do something for
• 16:13
  Speaker 2: a while if you don't have aircon at home.
• 16:15
  Speaker 5: Exactly right, exactly right, So yeah, take advantage of that.
• 16:18
  Speaker 3: I think I might.
• 16:19
  Speaker 2: You think you might thin you're going to go bowling.
• 16:21
  Speaker 2: I haven't been bowling in here, you know. Oh I think, actually, Jess, yeah,
• 16:26
  Speaker 2: exactly what I was going to say. Oh, that was messy.
• 16:29
  Speaker 3: Let's not talk about it. I don't need to hear
• 16:31
  Speaker 3: about this off air.
• 16:32
  Speaker 2: We went to bowling, but it was bowling in a bar.
• 16:35
  Speaker 3: Dangerous, Yeah, very dangerous. None of us are very good
• 16:38
  Speaker 3: at bowling.
• 16:39
  Speaker 2: So we were there for the festivities.
• 16:41
  Speaker 4: Yeah, very much.
• 16:42
  Speaker 2: So well, I love those. Let's go to a really
• 16:45
  Speaker 2: quick break on the flip side. We're going to be
• 16:46
  Speaker 2: talking about getting started with shares. We've got a spicy
• 16:49
  Speaker 2: DM about friends who borrow money, and the.
• 16:53
  Speaker 3: Countdown to the bloops is on.
• 16:55
  Speaker 2: I'm really scared, but also kind of excited to hear
• 16:58
  Speaker 2: how many times I've messed up on the podcast or
• 17:01
  Speaker 2: said things maybe I shouldn't have. So don't go anywhere, guys.
• 17:08
  Speaker 4: Welcome back, guys. Let's take a listen to the Money Dilemma.
• 17:13
  Speaker 2: Hi, there, have you got a money dilemma you just
• 17:15
  Speaker 2: can't solve? The Sheese on the Money Team is here
• 17:18
  Speaker 2: to help. Every week, we tackle your dilemmas, both big
• 17:21
  Speaker 2: and small, to answer your most burning money, career and
• 17:24
  Speaker 2: life questions. To get involved, simply head to our website
• 17:27
  Speaker 2: and leave us a short voice recording and you might
• 17:29
  Speaker 2: just find yourself on the show. Now, let's take a
• 17:32
  Speaker 2: listen to this week's money dilemma.
• 17:35
  Speaker 7: Hey guys, I'm made thirty five year old female with
• 17:39
  Speaker 7: a little bit of surplus money and I'm wanting to
• 17:42
  Speaker 7: explore perhaps purchasing shares EFTs, don't know what they are.
• 17:49
  Speaker 7: Would love your advice on where to get started, and
• 17:54
  Speaker 7: really just basic knowledge that we should have as women
• 17:58
  Speaker 7: to get into the final market.
• 18:00
  Speaker 4: Thank you.
• 18:02
  Speaker 2: Oh well, hello, and welcome to She's on the Money,
• 18:05
  Speaker 2: the podcast Millennials who want Financial Freedom. So we have
• 18:09
  Speaker 2: five hundred plus episodes of I would say, financially, some
• 18:14
  Speaker 2: of it's questionable. The Friday episodes, you might want to
• 18:17
  Speaker 2: give a little bit of a skip if you're not
• 18:19
  Speaker 2: too interested in what we call our personalities. But on Wednesday,
• 18:24
  Speaker 2: we do what we call a deep dive, and each
• 18:25
  Speaker 2: and every single deep dive, the entire purpose of that
• 18:29
  Speaker 2: episode is to educate you on a topic that maybe
• 18:31
  Speaker 2: you haven't discussed before, or maybe a topic that you
• 18:34
  Speaker 2: have seen before, but no one's ever broken it down
• 18:37
  Speaker 2: in a way that actually made sense. To you and
• 18:39
  Speaker 2: spoke to you in a way where we're peers having
• 18:42
  Speaker 2: a chat. You're not silly for not knowing this stuff,
• 18:44
  Speaker 2: You've just never learned it before. I'm excited because I
• 18:48
  Speaker 2: can answer this so quickly and so easily. My friend,
• 18:51
  Speaker 2: we did an entire investing series with our friends from
• 18:54
  Speaker 2: Chaerz's recently and even the year before. So if you're
• 18:58
  Speaker 2: interested in learning about share or ETFs, what I would
• 19:01
  Speaker 2: do is key into your podcasting app. Any podcasting app
• 19:04
  Speaker 2: does the job, and I would key in she's on
• 19:06
  Speaker 2: the money shares or she's on the money ETFs, and
• 19:10
  Speaker 2: an episode that is directly related to that topic is
• 19:13
  Speaker 2: going to come up. I'm a little bit biased. If
• 19:16
  Speaker 2: I were you, I would really start at the beginning
• 19:18
  Speaker 2: of our podcast because the way that we've structured it
• 19:21
  Speaker 2: is really so that you can kind of build those foundations.
• 19:24
  Speaker 2: And now we're nearly five years in. Isn't that wild?
• 19:28
  Speaker 2: Nearly five years of content in, But we've kind of
• 19:31
  Speaker 2: leveled up the content in a way where sometimes you
• 19:33
  Speaker 2: do have to go back to basics and listen to
• 19:35
  Speaker 2: a couple of the older episodes to go, let me
• 19:38
  Speaker 2: collect all of these basic foundations that I need to
• 19:41
  Speaker 2: create my financial literacy toolkit and then build from there.
• 19:45
  Speaker 2: But excitingly, the team and I sat down a couple
• 19:48
  Speaker 2: of weeks before Christmas and jess, what do I make
• 19:51
  Speaker 2: you do?
• 19:52
  Speaker 4: We put together a spreadsheet? Is anyone?
• 19:56
  Speaker 2: No one is surprised? But what was in the spreadsheet?
• 20:00
  Speaker 4: All year's worth of content?
• 20:02
  Speaker 2: Yeah, And the reason we did that was because I
• 20:04
  Speaker 2: just said, look, I'm obviously having a baby this year.
• 20:07
  Speaker 2: We obviously already put lots of thought, energy and effort
• 20:09
  Speaker 2: into the content that we create. But I was like,
• 20:12
  Speaker 2: what did we do like five years ago that might
• 20:14
  Speaker 2: have changed? Like let's review that. Okay, we've got, you know,
• 20:18
  Speaker 2: an investing series that we're doing in twenty twenty four.
• 20:20
  Speaker 2: All right, we know that we wanted to build on
• 20:23
  Speaker 2: one another. So if you went and just listened to
• 20:25
  Speaker 2: those investing episodes, you get like a juicy amount of
• 20:28
  Speaker 2: knowledge that kind of builds on each other. I didn't
• 20:31
  Speaker 2: want to be in a position where, you know, five
• 20:33
  Speaker 2: years in you would think that content might get repetitive.
• 20:36
  Speaker 2: I am also surprised guys that we still have so
• 20:38
  Speaker 2: many topics we haven't tackled. But I just wanted to
• 20:42
  Speaker 2: make sure that we were nailing it, and if we
• 20:44
  Speaker 2: had already done it, we went back and we checked
• 20:47
  Speaker 2: the episode and said, is this outdated? Do we need
• 20:49
  Speaker 2: to update it? You know, is there anything that has changed?
• 20:52
  Speaker 2: And in the world of investing, so much has changed.
• 20:55
  Speaker 2: So I'm excited for I guess the structure of next
• 20:58
  Speaker 2: year to roll out, because it's basically going to be
• 21:01
  Speaker 2: a here's an investing guide, here's a savings guide, here's this,
• 21:05
  Speaker 2: that and the other, and.
• 21:06
  Speaker 3: We're really keen.
• 21:07
  Speaker 2: So from my very very biased perspective, I would be
• 21:10
  Speaker 2: starting with our content. There's obviously a heap of other
• 21:14
  Speaker 2: podcasts you can listen to Girls that Invest My Millennial
• 21:17
  Speaker 2: Money are two of our friends of the show that
• 21:20
  Speaker 2: we know and love. There's also a whole heap of
• 21:22
  Speaker 2: investing books out there. I obviously already have three books, guys,
• 21:26
  Speaker 2: It's going to be five in twenty twenty four because
• 21:29
  Speaker 2: having a baby, it's just not enough for one year.
• 21:33
  Speaker 2: So I'm going to be releasing a book in May
• 21:35
  Speaker 2: and then another book in November, which is very very exciting.
• 21:38
  Speaker 2: But also all of our friends have finance books as well,
• 21:41
  Speaker 2: and if you just go into any bookshop, the finance section,
• 21:44
  Speaker 2: have a look, read the blurbs on the back, find
• 21:46
  Speaker 2: one that resonates with you, because to me, that's the
• 21:49
  Speaker 2: most important thing is that you're learning from someone who
• 21:52
  Speaker 2: talks to you in a tone of voice that you enjoy,
• 21:54
  Speaker 2: because otherwise you're not going to listen, you're not going
• 21:56
  Speaker 2: to engage with it. So that is my advice. Do
• 21:59
  Speaker 2: you guys have ourthing to add to that? Because I've
• 22:01
  Speaker 2: just basically done a sales pitch on the She's on
• 22:05
  Speaker 2: the Money podcast for you to listen to the She's
• 22:07
  Speaker 2: on the Money podcast.
• 22:08
  Speaker 4: I think you've had it. I was just gonna say,
• 22:09
  Speaker 4: if you want to get the investing the shoes in
• 22:11
  Speaker 4: the Money book, we'll pop thelink in the show notes
• 22:13
  Speaker 4: to make it easy for you.
• 22:13
  Speaker 3: Smart lovely, Yes, credit.
• 22:16
  Speaker 7: We do.
• 22:17
  Speaker 4: I've got your girls.
• 22:18
  Speaker 3: And for me, I was going to basically say the
• 22:20
  Speaker 3: same thing as Ve.
• 22:20
  Speaker 5: I think that you do a really good job of
• 22:22
  Speaker 5: covering basics and also intermediate and also advanced. So yeah,
• 22:27
  Speaker 5: go back and have a little listen.
• 22:28
  Speaker 2: Go back and have a listen. Also, thanks for the listens.
• 22:31
  Speaker 2: Love you guys. Let's move into the next part of
• 22:34
  Speaker 2: the show. This is the second last part of the
• 22:37
  Speaker 2: show today because we've got to get to the bloops.
• 22:39
  Speaker 2: But as always, you guys have slid into our dms
• 22:42
  Speaker 2: about a spicy topic, which is friends who borrow money.
• 22:45
  Speaker 2: So here is the DM my friends. Hello, she's on
• 22:48
  Speaker 2: the money. I need advice, my friend, You're in the
• 22:51
  Speaker 2: right place. We have advice, we have opinions. We're going
• 22:54
  Speaker 2: to have a little bit of trauma. One of my
• 22:56
  Speaker 2: best friends always asks me to borrow money. It used
• 23:00
  Speaker 2: to be like twenty bucks here and there, but lately
• 23:02
  Speaker 2: she's asking for more than one hundred dollars at a time,
• 23:05
  Speaker 2: saying she desperately needs it to pay rent, she doesn't
• 23:08
  Speaker 2: have a job, and that I'm the only person she
• 23:11
  Speaker 2: can turn to for help. I do feel bad, and
• 23:13
  Speaker 2: she has a really fractured relationship with her parents, so
• 23:16
  Speaker 2: living at home is not an option. In the past,
• 23:19
  Speaker 2: I've mentioned I feel really uncomfortable her asking me for money,
• 23:23
  Speaker 2: yet I always seem to give it to her because
• 23:25
  Speaker 2: I am guilted into it. In brackets with a face
• 23:27
  Speaker 2: palm emoji. I've even suggested that I can help her
• 23:30
  Speaker 2: get a job and assist with her applications, but she
• 23:33
  Speaker 2: always declients. Not long ago we went out for dinner
• 23:36
  Speaker 2: and where the bill came, she didn't have any money
• 23:38
  Speaker 2: to pay. She said she didn't want to let me
• 23:40
  Speaker 2: down and was embarrassed to say she couldn't afford it,
• 23:42
  Speaker 2: so came anyway. I obviously had to pay for the
• 23:46
  Speaker 2: entire thing. I need this to stop, but also want
• 23:49
  Speaker 2: to be sensitive with her, as I know she's currently struggling.
• 23:52
  Speaker 2: What do I do.
• 23:54
  Speaker 5: She didn't mention if the friend pays it back at
• 23:58
  Speaker 5: her in a reasonable time, which I know is not
• 24:02
  Speaker 5: the really the point, but.
• 24:04
  Speaker 4: A little bit, a little bit. There's a big difference
• 24:06
  Speaker 4: between a friend who borrows money all the time but
• 24:08
  Speaker 4: will get it back to you. When I can add
• 24:10
  Speaker 4: a friend who borrows money and doesn't pay back.
• 24:12
  Speaker 5: And doesn't pay it back. And I'm wondering she's not employed.
• 24:14
  Speaker 5: Maybe she does have other income and can pay it back,
• 24:17
  Speaker 5: But personally, I really want that information because I'm thinking
• 24:22
  Speaker 5: of me and my best friend Olivia, who I.
• 24:26
  Speaker 2: Always I'm going to nickname her money bags.
• 24:29
  Speaker 5: Yeah, I literally always borrow money from her, but I
• 24:33
  Speaker 5: also paid back quickly, and we have like a sibling
• 24:35
  Speaker 5: relationship where it's not awkward to say no to each other.
• 24:38
  Speaker 3: So I think that's different in a way.
• 24:40
  Speaker 5: But I'm still kind of like listening to this and
• 24:42
  Speaker 5: just wondering what the dynamics like. Yeah, and is she
• 24:46
  Speaker 5: too uncomfortable to say a firm no, a staunch no.
• 24:51
  Speaker 3: It is awkward.
• 24:52
  Speaker 5: Your friend is obviously struggling, but that's not your responsibility.
• 24:56
  Speaker 3: Yeah, this person seems like a really good friend, Like.
• 24:59
  Speaker 2: I can tell that they're a good friend by the
• 25:01
  Speaker 2: way that it's written. Yeah, because they obviously are worried
• 25:04
  Speaker 2: about them struggling. They don't really want to say no,
• 25:07
  Speaker 2: but they're also like, I can't keep doing this. I've
• 25:09
  Speaker 2: had enough of this, like it needs to end. But
• 25:12
  Speaker 2: they also don't want to, like say a firm no,
• 25:15
  Speaker 2: because if they say a firm no, it might be
• 25:16
  Speaker 2: like a line in the sand with the relationship, and
• 25:18
  Speaker 2: clearly they don't want to draw that line. Yeah, it's
• 25:21
  Speaker 2: really really hard, Jess, what would you do?
• 25:23
  Speaker 4: I think it's hard because it's one of those things
• 25:26
  Speaker 4: where to me, it sounds like her friend is going
• 25:30
  Speaker 4: to be reliant on this until she no longer can be.
• 25:33
  Speaker 4: So I wonder if cutting it off is in a
• 25:37
  Speaker 4: way to benefit the friend as well, like to be like,
• 25:41
  Speaker 4: you can't rely on me for these things, particularly with
• 25:43
  Speaker 4: the dinner for example. It's not as if your friend
• 25:47
  Speaker 4: is saying, hey, I need money to pay my rent
• 25:49
  Speaker 4: or I'm going to be homeless. Like your friend did
• 25:50
  Speaker 4: not need to come out to dinner with everybody, And
• 25:54
  Speaker 4: I understand that she was embarrassed, But there are ways
• 25:56
  Speaker 4: that you can tackle it and approach it, and I
• 25:59
  Speaker 4: think any friend be understanding of the fact that you
• 26:01
  Speaker 4: can't afford to do it. So I feel like perhaps
• 26:04
  Speaker 4: if our listener was to draw the line in the sand,
• 26:07
  Speaker 4: it might in a way kind of help your friend
• 26:10
  Speaker 4: to have to let you know it's fine or flying right,
• 26:13
  Speaker 4: like I'm pushing you out of the nest. You can't.
• 26:15
  Speaker 4: You gotta fly. You got to figure it out. But
• 26:17
  Speaker 4: at the same time, I do feel like I have
• 26:20
  Speaker 4: to flag that that has the potential to be volatile,
• 26:23
  Speaker 4: and it has the potential for your friend to react
• 26:25
  Speaker 4: emotionally and be really upset. So it's something I think
• 26:29
  Speaker 4: that you do have to be prepared for that if
• 26:32
  Speaker 4: that's what you want to do. But I completely agree
• 26:34
  Speaker 4: with our listener. If I was in that situation where
• 26:37
  Speaker 4: I wasn't comfortable lending to a friend and I had
• 26:40
  Speaker 4: expressed that and they weren't being respectful of that. I
• 26:42
  Speaker 4: would find that upsetting. It's a totally different thing, like
• 26:45
  Speaker 4: you were saying in your example with you and Live.
• 26:48
  Speaker 4: You know, if she's happy to do it and she
• 26:50
  Speaker 4: knows you're going to pay it back and everyone's fine,
• 26:52
  Speaker 4: then there's no reason to not behave that way. But
• 26:55
  Speaker 4: particularly I think the fact that she is expressed to
• 26:58
  Speaker 4: her friend that she's uncomfortable and they're continuing to do it.
• 27:01
  Speaker 4: An That's what I don't really like because normally in
• 27:04
  Speaker 4: this situation, i'd say, oh, like talk to your friends,
• 27:06
  Speaker 4: like let them know how you're feeling, blah blah blah.
• 27:08
  Speaker 4: But it sounds like she's done that and their friends
• 27:11
  Speaker 4: not changing the behavior, And I think that that is
• 27:13
  Speaker 4: really disrespectful and unkind, particularly when it comes to luxuries
• 27:18
  Speaker 4: not necessities.
• 27:19
  Speaker 2: Yeap, Yeah, like going out for dinner.
• 27:21
  Speaker 4: You don't need to go out for dinner, babe.
• 27:23
  Speaker 2: So I was really empathetic of the story, like and
• 27:25
  Speaker 2: of the question. I was like, this really sucks, like
• 27:28
  Speaker 2: we're in the middle of a cost of living crisis.
• 27:30
  Speaker 2: Like I totally get it. You know, we don't know
• 27:32
  Speaker 2: why her friend doesn't have a job. There could be
• 27:34
  Speaker 2: really valid reason as to why she doesn't have a job.
• 27:37
  Speaker 2: There are six million I could come up with on
• 27:39
  Speaker 2: the spot as to why she can't work at the moment,
• 27:41
  Speaker 2: and that's fine. I'm assuming that there's not like a
• 27:45
  Speaker 2: massive issue with not working. Given the friend has suggested, Oh,
• 27:48
  Speaker 2: I can help you with the applications, Jess, like I
• 27:50
  Speaker 2: could feel them in and you know, help you along
• 27:52
  Speaker 2: that process. I'm assuming that there's nothing that you're aware of,
• 27:56
  Speaker 2: that is all. I don't want to say. Fine, but
• 27:59
  Speaker 2: like you're letting them get away with it, okay. I
• 28:01
  Speaker 2: think it's taking it a step too far when you're
• 28:04
  Speaker 2: going out for dinner and just expecting the other person
• 28:06
  Speaker 2: to pay. I feel like you're then in a position
• 28:10
  Speaker 2: where you're being taken advantage. It's crazy to me. I
• 28:12
  Speaker 2: think it's really rude, Like honestly, like, obviously money is
• 28:15
  Speaker 2: fickle and all of that, but like, yeah, okay, you
• 28:18
  Speaker 2: were embarrassed. You know, it's more embarrassing putting your other
• 28:21
  Speaker 2: friend on the spot and being like, well, now they're okay,
• 28:23
  Speaker 2: I don't have any cash. You're gonna have to cough
• 28:25
  Speaker 2: up two times the amount you thought you were going
• 28:27
  Speaker 2: to have to for dinner. Now, like what if I'd
• 28:29
  Speaker 2: only budgeted enough for one, Like now you're putting that
• 28:32
  Speaker 2: burden on your friend and expecting that to be okay,
• 28:35
  Speaker 2: Like I get embarrassment exists, Like please, don't get me wrong.
• 28:38
  Speaker 2: We've spoken so many times on the show about how
• 28:42
  Speaker 2: you know, in theory you should just say no. But
• 28:45
  Speaker 2: then there's me who also I'm a people pleaser. Yes,
• 28:48
  Speaker 2: you're also people pleaser. Like I know that if I
• 28:52
  Speaker 2: asked Jess to brow money, she'd.
• 28:53
  Speaker 3: Be like, oh, that's really weird.
• 28:55
  Speaker 2: Okay, now, yeah, of course fee Like even if you know,
• 28:57
  Speaker 2: but even if you didn't want to do it, because
• 29:00
  Speaker 2: with just to night people pleaser is we would do
• 29:01
  Speaker 2: it anyway. And I'm not saying that that's the right thing.
• 29:04
  Speaker 2: But I also think that when it comes to money,
• 29:06
  Speaker 2: we should just be honest about our thoughts and feelings
• 29:09
  Speaker 2: and all of that kind of stuff.
• 29:10
  Speaker 3: So I get it.
• 29:11
  Speaker 2: I don't think I could say no to a friend
• 29:13
  Speaker 2: because I do want to help. I'm that type of
• 29:15
  Speaker 2: person that goes no, no, no, let me fix it, like
• 29:17
  Speaker 2: I want to help. But at the same time, like,
• 29:21
  Speaker 2: then there's the line of like, hey, can I borrow
• 29:23
  Speaker 2: one hundred dollars? Like I'm so sorry, I have to
• 29:25
  Speaker 2: meet rent? Happening all the time, and you're going, oh,
• 29:27
  Speaker 2: should becoming reliant on it becomes rude, It becomes entitled
• 29:32
  Speaker 2: when you're then going out for dinner and just being like, oh,
• 29:34
  Speaker 2: by the way back, can't pay?
• 29:36
  Speaker 3: What are you doing?
• 29:38
  Speaker 4: And if they can't work, I think there are so
• 29:41
  Speaker 4: many other options, because again I agree with.
• 29:44
  Speaker 2: Last month you did your or this end of the
• 29:46
  Speaker 2: month's really there, but you did your find one thousand
• 29:49
  Speaker 2: dollars without finding a new job.
• 29:51
  Speaker 4: Well yeah, And that's the thing is, like there is
• 29:53
  Speaker 4: so many options if, as you were saying, not everyone
• 29:56
  Speaker 4: can work, and that's totally valid, but even outside of
• 29:59
  Speaker 4: government support, that is available selling stuff a Facebook market place,
• 30:03
  Speaker 4: returning cans. I did surveys, do you know what I mean? Like,
• 30:06
  Speaker 4: there are so many options that you can make enough
• 30:09
  Speaker 4: money to get you buy Like, even just doing surveys,
• 30:11
  Speaker 4: I was making fifty bucks a week, one hundred bucks
• 30:14
  Speaker 4: a week slay, which is just from your phone. And
• 30:17
  Speaker 4: not everyone is going to want to dedicate or have
• 30:19
  Speaker 4: the time to dedicate. But if you're in a spot
• 30:21
  Speaker 4: where like I really genuinely don't have the money. I
• 30:23
  Speaker 4: think there are options that you can explore. And is
• 30:26
  Speaker 4: it going to pay you five thousand dollars a month?
• 30:29
  Speaker 4: Obviously not. But if you just need money to get
• 30:31
  Speaker 4: buy if you just need money to go to dinner,
• 30:33
  Speaker 4: so you're not relying on your friend, there are definitely
• 30:36
  Speaker 4: things that I think she could be exploring that aren't
• 30:39
  Speaker 4: putting her friend in this.
• 30:41
  Speaker 2: Position honestly borrowing money. I think it's a fickle topic
• 30:45
  Speaker 2: because so many people are going to be opinionated on it.
• 30:48
  Speaker 2: Some people will say absolutely not. I'm very much of
• 30:52
  Speaker 2: the opinion I will lend money to friends, but I
• 30:55
  Speaker 2: see it as a if they pay it back, nice
• 30:58
  Speaker 2: But it's you either get paid back or you lose
• 31:01
  Speaker 2: a friendship. And like to me, I'm always like, okay,
• 31:03
  Speaker 2: well here it is, but I'm never going to chase it,
• 31:07
  Speaker 2: if that makes sense. Some people are completely for it,
• 31:10
  Speaker 2: like Beck, you've got a friend where that relationship exists
• 31:13
  Speaker 2: and it works. We can't argue with that, and that's
• 31:16
  Speaker 2: absolutely fine. But again, money is inherently emotional. It's when
• 31:20
  Speaker 2: it steps out of you know, being I'm so glad
• 31:24
  Speaker 2: that I have this support.
• 31:25
  Speaker 3: I'm so glad.
• 31:26
  Speaker 2: You know, I'm grateful to being entitled, and this feels
• 31:30
  Speaker 2: like it's gone from being like I'm grateful to being entitled.
• 31:33
  Speaker 2: If that started happening to me, I'd want to cut
• 31:35
  Speaker 2: the friend off to It'd be like you are taking
• 31:36
  Speaker 2: the absolute mickey. Get in the bin, yeah, hard agree,
• 31:39
  Speaker 2: whatever else say they go. The first question we asked was,
• 31:43
  Speaker 2: do you think the friend is potentially taking advantage of
• 31:46
  Speaker 2: this person? Ninety eight percent of you said yes. If
• 31:50
  Speaker 2: this was you, would you end the friendship? Thirty percent
• 31:54
  Speaker 2: of you said yes, I don't need that in my life,
• 31:56
  Speaker 2: but seventy percent of you said no, I'd certainly set
• 31:59
  Speaker 2: some boundaries though. If yes, what did you do when
• 32:03
  Speaker 2: someone asked you to borrow money? Sixty six percent of
• 32:06
  Speaker 2: you said I gave it back and they paid me
• 32:08
  Speaker 2: back nice. Twenty percent of you said I gave it,
• 32:11
  Speaker 2: but I wish I didn't because I never got it back,
• 32:14
  Speaker 2: and fourteen percent of you said I said I wasn't
• 32:17
  Speaker 2: in a position to lend to them. If you did
• 32:20
  Speaker 2: lend money to a friend, we said how much? Thirty
• 32:24
  Speaker 2: six percent of you said the most common amount to
• 32:26
  Speaker 2: lend was ten to twenty bucks, thirty five percent of
• 32:29
  Speaker 2: you said fifty two hundred bucks, eighteen percent of you
• 32:32
  Speaker 2: said two hundred to five hundred dollars, and twelve percent
• 32:35
  Speaker 2: of you said more than one thousand dollars. Wow, that's
• 32:38
  Speaker 2: so much money.
• 32:40
  Speaker 4: That's the other thing is her friend's asking for one
• 32:42
  Speaker 4: hundred bucks at a time. That's a lot.
• 32:43
  Speaker 2: That's a lot.
• 32:44
  Speaker 4: That's not a Hey, my card's not working. Can you
• 32:47
  Speaker 4: spot my eight dollar latte?
• 32:49
  Speaker 3: Yeah, exactly, it's an eight.
• 32:51
  Speaker 4: Dollar nothing on nothing. Sorry, I'm taking eight dollar latte.
• 32:55
  Speaker 2: Don't know where she's drinking.
• 32:56
  Speaker 3: Not too shocking, I reckon.
• 32:58
  Speaker 2: I spent on average like six seven dollars a yeah,
• 33:01
  Speaker 2: not too far off for own non coffee drinking gal, which,
• 33:04
  Speaker 2: by the way, suspiciously close, suspiciously close, and also like
• 33:09
  Speaker 2: weird that you don't drink coffee. Maybe twenty twenty four
• 33:11
  Speaker 2: be her year. Maybe maybe all these bad things keep
• 33:14
  Speaker 2: happening to you because you don't drink coffee.
• 33:16
  Speaker 4: That all right.
• 33:17
  Speaker 2: We also said have you ever had to ask a
• 33:19
  Speaker 2: friend to borrow money? Thirty four percent of you said yes,
• 33:22
  Speaker 2: and sixty six percent of you said no.
• 33:24
  Speaker 3: It's been nice.
• 33:25
  Speaker 4: I feel like most people will have. I don't think
• 33:28
  Speaker 4: they're asking to borrow money. Like I've definitely borrowed money
• 33:30
  Speaker 4: off feet where I've been somewhere. It happened when we're oversea.
• 33:32
  Speaker 4: I was like, my card's not working, and.
• 33:33
  Speaker 2: I'm kind of funny.
• 33:34
  Speaker 4: I already ordered the Starbucks, can you faine?
• 33:37
  Speaker 2: It was kind of funny because she's so embarrassed and
• 33:39
  Speaker 2: obviously I was like, yeah, like it's fine, but like
• 33:43
  Speaker 2: it was the fumble at the register of her being
• 33:45
  Speaker 2: like I only have my phone.
• 33:47
  Speaker 3: Ah, I really have my phone? Yeah, no, dress, Well,
• 33:50
  Speaker 3: nothing is more stressful.
• 33:51
  Speaker 4: It is, and I feel like an incidental borrow of money.
• 33:54
  Speaker 2: So let's be honest. It wasn't even a latte. It
• 33:56
  Speaker 2: was like a strawberry Assaye refresher and I'll.
• 33:59
  Speaker 4: Stand by I'm pretty sure. But that is I think,
• 34:03
  Speaker 4: vastly different to habitual burrowing, which is what this person
• 34:07
  Speaker 4: is doing. And it just sounds like she doesn't respect
• 34:09
  Speaker 4: our listener, which is not.
• 34:11
  Speaker 2: Friendship is built on respect, and right now, that's what
• 34:14
  Speaker 2: is lacking in this friendship. So I do feel like
• 34:17
  Speaker 2: your friend is taking advantage of that. And while it's
• 34:20
  Speaker 2: not the easiest thing to say, I think you do
• 34:22
  Speaker 2: need to go. Hey, Like, honestly, I just start off
• 34:25
  Speaker 2: with the truth. Hey, I just really think that this
• 34:27
  Speaker 2: has become quite habitual. Honestly, I don't know how to
• 34:31
  Speaker 2: explain it to you, but I do feel a bit
• 34:32
  Speaker 2: taken advantage of. Like I feel like, you know, the
• 34:35
  Speaker 2: time we went out for dinner, you're not telling me
• 34:38
  Speaker 2: in advance. It just puts me in a really tricky
• 34:40
  Speaker 2: spot because it changes the rest of my week and
• 34:42
  Speaker 2: I had to change my budget and I had to
• 34:44
  Speaker 2: you know, just explaining it. I'm not saying that they
• 34:47
  Speaker 2: deserve an explanation at the end of the day.
• 34:49
  Speaker 3: No is no.
• 34:50
  Speaker 2: But as a people pleasing girly, I want to explain
• 34:54
  Speaker 2: to you why this is, you know, upsetting me or
• 34:56
  Speaker 2: you know, not the right thing to do. And then
• 34:59
  Speaker 2: how can I wor with you to make sure that
• 35:02
  Speaker 2: you're okay and I'm okay and we're all in a
• 35:04
  Speaker 2: happy spot, because I really don't want to lose this friendship.
• 35:06
  Speaker 3: But like, if this just keeps.
• 35:08
  Speaker 2: Happening, I'm going to end up really frustrated and then
• 35:10
  Speaker 2: you know, I'm probably going to avoid your calls or something,
• 35:12
  Speaker 2: and I don't want to get to that, So what
• 35:14
  Speaker 2: can I do? And I feel like kindness in that
• 35:17
  Speaker 2: circumstance because do you know what your friend probably hasn't
• 35:21
  Speaker 2: even noticed. Yeah, they just expected you to be there.
• 35:24
  Speaker 3: Yeah, so true.
• 35:25
  Speaker 2: So let's talk about what the community said, because it's
• 35:28
  Speaker 2: always the spicy stuff in the dms. So your response
• 35:32
  Speaker 2: is when we said, what are your two cents, we're
• 35:34
  Speaker 2: pretty wild.
• 35:35
  Speaker 3: My friend from high school.
• 35:36
  Speaker 2: Asked me to borrow fifteen thousand dollars for a house deposit.
• 35:42
  Speaker 2: I obviously told her I didn't have any cash.
• 35:44
  Speaker 4: I mean fair, that's crazy.
• 35:46
  Speaker 3: That's a lot.
• 35:47
  Speaker 4: That's like a whole different thing. Again, that's a different story. Yeah.
• 35:51
  Speaker 2: Someone else said, I have a personal rule that I
• 35:53
  Speaker 2: never lend money that I would be upset about not
• 35:56
  Speaker 2: getting back. Yeah, that's all. That's like your Someone else said,
• 36:00
  Speaker 2: you're not responsible for your friend. You need to set
• 36:02
  Speaker 2: strong boundaries because that's how she's going to learn. Someone
• 36:06
  Speaker 2: else said, how about in the future, just choosing to
• 36:09
  Speaker 2: arrange free activities, so when they ask to go out
• 36:11
  Speaker 2: for dinners, suggest to walk because they can't afford it anyway,
• 36:14
  Speaker 2: and there will be no tricky conversation. Someone also said,
• 36:19
  Speaker 2: just stay friends. But hang out at the park or
• 36:22
  Speaker 2: free spaces byo snacks and drinks, and then say sorry,
• 36:25
  Speaker 2: I don't have the cash.
• 36:26
  Speaker 3: Next time they ask.
• 36:28
  Speaker 2: Someone else said, if she's a real friend, she won't
• 36:31
  Speaker 2: be offended if you say you're unable to help her financially.
• 36:34
  Speaker 2: That could be a good way of pushing back, which
• 36:36
  Speaker 2: I would agree. Like, you know, if it's a bit confrontational,
• 36:39
  Speaker 2: you're like, I don't really want to tackle this. I
• 36:41
  Speaker 2: would just go next time they ask to cash, be like,
• 36:43
  Speaker 2: oh my god, yess, I would love to, but I
• 36:45
  Speaker 2: actually don't have one hundred dollars cash. Sorry, And then
• 36:50
  Speaker 2: if they say you do, just be like, look, I
• 36:52
  Speaker 2: really don't like you know, heberbills have come up and
• 36:54
  Speaker 2: raw her up. Because even if you do have that
• 36:57
  Speaker 2: cash in the bank, it doesn't mean it is free. Like,
• 37:00
  Speaker 2: it doesn't mean it's able to be lean out. It
• 37:03
  Speaker 2: doesn't mean that you're okay with doing that. And saying well,
• 37:06
  Speaker 2: I actually just don't have the cash to lend out
• 37:07
  Speaker 2: at the moment doesn't mean that you're flat broke. It
• 37:10
  Speaker 2: just means you don't have cash to lend out at
• 37:12
  Speaker 2: the moment, and that is okay, totally There's been a
• 37:16
  Speaker 2: lot of people saying exactly what I say, So I'll
• 37:18
  Speaker 2: end on this because I think we all want to
• 37:19
  Speaker 2: get to bloops. But someone else said I would never
• 37:23
  Speaker 2: give someone money and expect it back. It's now a
• 37:25
  Speaker 2: gift to see it that way because it will never
• 37:28
  Speaker 2: ruin your friendships, Amen, which I.
• 37:30
  Speaker 3: Think is really important.
• 37:31
  Speaker 2: I mean, obviously it's way better to pay back. Please
• 37:34
  Speaker 2: pay it back. Don't just expect friends to lend out
• 37:37
  Speaker 2: money and then it be free money. But I think
• 37:39
  Speaker 2: having that mindset is going to keep your friendships intact.
• 37:43
  Speaker 2: Do you have anything to add, guys, please please Our
• 37:48
  Speaker 2: producers Sam and Anna Lisa unfortunately record us when we
• 37:52
  Speaker 2: don't think we're being recorded, and they don't dispose of
• 37:55
  Speaker 2: footage that we think has been disposed of where we've
• 37:58
  Speaker 2: messed up. And they have said that they have put
• 38:00
  Speaker 2: together once again another Blue Briel for us to listen to.
• 38:03
  Speaker 2: So how that we dive straight in. This will be
• 38:06
  Speaker 2: the first time we are hearing it as you guys
• 38:09
  Speaker 2: hear it, because they wouldn't let us hear it before
• 38:11
  Speaker 2: to prepare our responses, which I think is quite rude
• 38:14
  Speaker 2: to talk about it.
• 38:20
  Speaker 8: It's been another year if She's on the Money. And
• 38:22
  Speaker 8: while it's been a big one, you'll be happy to
• 38:24
  Speaker 8: know that behind the scenes, a lot of things have
• 38:27
  Speaker 8: stayed the same despite our best efforts. The girls keep getting.
• 38:31
  Speaker 3: Gussie when it comes to the inn.
• 38:34
  Speaker 4: I had that gurgle that was disgusting.
• 38:38
  Speaker 2: I was just going to burn, but like a deep
• 38:39
  Speaker 2: burd did you hear that? It was very sexy?
• 38:43
  Speaker 3: Oh my god.
• 38:45
  Speaker 8: And by girls we mean all the girls, even Victoria's
• 38:49
  Speaker 8: dog Lucy.
• 38:50
  Speaker 4: And so this outlawing of Lucy. Good god, did she fart?
• 38:55
  Speaker 4: Oh sorry, that's really right? Good, Yeah, she's right there. God,
• 38:59
  Speaker 4: I got her like a with and I was just
• 39:00
  Speaker 4: like stopped working.
• 39:03
  Speaker 8: We are, of course, led by Victoria, the pioneer of professionalism,
• 39:07
  Speaker 8: who would never ever struggle with technology.
• 39:10
  Speaker 3: Oh did I just press? Did I backspace?
• 39:12
  Speaker 6: Ordered I posted I like had my microphone on while
• 39:15
  Speaker 6: I was like in thing, and it transcribed me into
• 39:19
  Speaker 6: the comments section on our Money Wins thread And it
• 39:23
  Speaker 6: started from Helloa malcom to She's on the money Like.
• 39:26
  Speaker 8: Beck joined us this year, and she brought a new
• 39:29
  Speaker 8: energy to the show, as well as new interpretations of
• 39:32
  Speaker 8: legal boundaries.
• 39:33
  Speaker 2: Actually, I don't know if this is legal, but if
• 39:35
  Speaker 2: you take the step.
• 39:35
  Speaker 3: I don't know if this is legal.
• 39:39
  Speaker 4: I shouldn't. Perhaps I should not, yeah, saying it if
• 39:41
  Speaker 4: I don't know.
• 39:42
  Speaker 8: We've had the normal fun with everyone's stumbles.
• 39:45
  Speaker 2: Miss Jessic, Can you take us through our community money
• 39:47
  Speaker 2: wins this week?
• 39:48
  Speaker 4: Absolutely more busy?
• 39:50
  Speaker 7: Yes?
• 39:52
  Speaker 4: Deep? Or was she just stressed? She's the top.
• 40:00
  Speaker 2: Of our company to the public, So we'll keep sixty
• 40:02
  Speaker 2: percent of it. We're going to issue forty percent of
• 40:04
  Speaker 2: it to the We're going to issue forty percent of
• 40:06
  Speaker 2: it to the public. One is from Cassie, who is
• 40:10
  Speaker 2: talking about rewards cards and kind of sorry, it's gotta get.
• 40:19
  Speaker 8: You guys don't get to see how unhinged the girls
• 40:21
  Speaker 8: can get if they have to do a whole day
• 40:23
  Speaker 8: of recording.
• 40:24
  Speaker 3: But well, I'll just let this speak for itself.
• 40:28
  Speaker 4: Where's your energy?
• 40:29
  Speaker 2: Where's your passion? More passion, more passion, more energy energy.
• 40:37
  Speaker 8: It's truly been a big year, and we expect that
• 40:39
  Speaker 8: parenthood for Victoria will surely.
• 40:41
  Speaker 3: Only make things calmer than this.
• 40:43
  Speaker 8: In twenty twenty.
• 40:44
  Speaker 2: Four, here are Beck's top tips on creating your perfect portfolio.
• 40:49
  Speaker 4: All right, so from.
• 40:55
  Speaker 2: Some Harry Potters whisper shit.
• 40:58
  Speaker 8: Now. Some of you may have noticed a new word
• 41:01
  Speaker 8: made it into Victoria's vocabulary this year.
• 41:04
  Speaker 3: Some have said the excessive use of the word sleigh was.
• 41:07
  Speaker 8: Too much, But what you all didn't realize was that
• 41:10
  Speaker 8: v was actually getting into the Christmas spirit early.
• 41:18
  Speaker 9: Slight slap slack slave like slap, slate slap slap slap
• 41:22
  Speaker 9: sleigh slave slave slife slap slafe, sligh like slight, slay
• 41:27
  Speaker 9: slafe like slay slay.
• 41:29
  Speaker 8: His to another smart and very very silly year in
• 41:32
  Speaker 8: twenty twenty four, which she's on the money.
• 41:38
  Speaker 3: Well, that was slay my.
• 41:40
  Speaker 4: Favorite episode we've done. Oh yeah, I.
• 41:43
  Speaker 2: Love I'm always very impressed with commitment. Sam has to
• 41:48
  Speaker 2: one saving those files because like you don't go back
• 41:51
  Speaker 2: like I don't know, maybe he did go back through
• 41:53
  Speaker 2: all of it, but not only saving them, but also
• 41:56
  Speaker 2: like getting the right tone, like did you hear.
• 41:59
  Speaker 4: That sleigh and he puts.
• 42:01
  Speaker 3: It into the right time.
• 42:02
  Speaker 2: Yeah, that's what a good audio engineer does for you guys.
• 42:06
  Speaker 5: That was not as scary as I thought it would be.
• 42:09
  Speaker 3: I thought it'd be way more scary.
• 42:10
  Speaker 2: But honestly, like even in that Sam couldn't use all
• 42:13
  Speaker 2: of the illegal stuff you keep suggesting on.
• 42:15
  Speaker 5: The show, that's true, twenty twenty four, it would just
• 42:19
  Speaker 5: be like beet beat beat beat, because like we'd just
• 42:21
  Speaker 5: be like censoring out everything you say.
• 42:24
  Speaker 3: I remember that for next year.
• 42:25
  Speaker 2: Yeah, Beck's like okay, so yes, have you heard of
• 42:27
  Speaker 2: the five finger discount?
• 42:28
  Speaker 3: Yes, we have broad tips. He steal everything one out
• 42:33
  Speaker 3: of ten.
• 42:35
  Speaker 2: We will not not slip up again. But it has
• 42:38
  Speaker 2: been a year. I am very grateful to have shared
• 42:41
  Speaker 2: the podcast studio with the three of you this year.
• 42:44
  Speaker 2: I feel like we have thrived. I feel like we
• 42:46
  Speaker 2: have also survived. But I also just I'm so grateful,
• 42:49
  Speaker 2: Like I just I love what we do. I cannot
• 42:51
  Speaker 2: believe we are heading into our fifth year of podcasting
• 42:54
  Speaker 2: next year, and we have so much planned for twenty
• 42:57
  Speaker 2: twenty four, and I just I can't wait to share it.
• 42:59
  Speaker 2: Like I kind of want to just like dump it
• 43:00
  Speaker 2: on everyone all in January, but according to our marketing
• 43:04
  Speaker 2: and our content.
• 43:05
  Speaker 3: People, that's not how it works.
• 43:07
  Speaker 4: Damn.
• 43:08
  Speaker 2: But no, have the most beautiful new year, guys. I
• 43:12
  Speaker 2: cannot wait to see you bright and fresh and early
• 43:16
  Speaker 2: come the new year. And don't forget subtle plug, we
• 43:19
  Speaker 2: are running your best year yet. Online goal setting session
• 43:23
  Speaker 2: with me, launching on the seventh of January. So if
• 43:25
  Speaker 2: you're like still feeling a little bit stodgy, not sure,
• 43:28
  Speaker 2: if you have a heap of motivation, I've got you.
• 43:30
  Speaker 2: We're going to set goals together so that you two
• 43:32
  Speaker 2: can have your best year yet, because I just I
• 43:34
  Speaker 2: have a feeling about twenty twenty four. Guys, it's our year.
• 43:38
  Speaker 3: Yeah, I got a good feeling. Got a good feeling.
• 43:40
  Speaker 2: Well, enjoy the rest of the day, guys, because it
• 43:43
  Speaker 2: is coming very close to the end of twenty twenty three,
• 43:45
  Speaker 2: and we will see you fresh and early in twenty
• 43:48
  Speaker 2: twenty four. Love you, and we'll see you around.
• 43:50
  Speaker 3: Tapping you guys. Bye bye.
• 43:59
  Speaker 2: Did By share on She's on the Money is general
• 44:01
  Speaker 2: in nature and does not consider your individual circumstances. She's
• 44:05
  Speaker 2: on the Money exists purely for educational purposes and should
• 44:09
  Speaker 2: not be relied upon to make an investment or financial decision.
• 44:12
  Speaker 2: If you do choose to buy a financial product, read
• 44:15
  Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards
• 44:19
  Speaker 2: your needs. Victoria Divine and She's on the Money are
• 44:22
  Speaker 2: authorized representatives of Money. Sheper pty ltd ABN three two
• 44:27
  Speaker 2: one six four nine two seven seven zero eight AFSL
• 44:31
  Speaker 2: four five one two eight nine