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MONEY DIARIES: From Centrelink to a 6 figure business! · She's On The Money

0:00
Speaker 1: Just before we get started, we'd like to acknowledge and
0:03
Speaker 1: pay respect to Australia's Aboriginal and torrest Rate islander people's.
0:07
Speaker 1: They're the traditional custodians of the lands, the waterways and
0:10
Speaker 1: the skies all across Australia. We thank you for sharing
0:13
Speaker 1: and for caring for the land on which we are
0:15
Speaker 1: able to learn. We pay respects to elders past and present,
0:19
Speaker 1: and we share our friendship and our kindness.
0:22
Speaker 2: She's on the Money, She's on the Money.
0:45
Speaker 3: Hello, and welcome to She's on the Money, the podcast
0:48
Speaker 3: for millennials who want financial freedom. Welcome back to another
0:51
Speaker 3: shot back Money Diary Monday, where we get to chat
0:53
Speaker 3: to one of our Gorge community members, learn about them,
0:56
Speaker 3: their life, their money, everything that could possibly go in between.
1:00
Speaker 1: Victoria Jessica. Hello.
1:03
Speaker 3: People really don't like it when we use names.
1:05
Speaker 1: For some reason. We don't, so hello. It is the
1:08
Speaker 1: people you already know.
1:09
Speaker 3: I'm trying to think of something to say that isn't.
1:10
Speaker 3: Today's diris is a good one and I am.
1:12
Speaker 1: You know what? Once again, come to say that we'll
1:15
Speaker 1: work on the scripts later.
1:16
Speaker 4: It's being a future episode.
1:17
Speaker 3: Let me read it to you. It says I'm a
1:19
Speaker 3: twenty two year old who has come a long way
1:21
Speaker 3: in regards to money in the past four years. I
1:24
Speaker 3: went from being freshly eighteen and having to borrow money
1:26
Speaker 3: from parents, friends, and anyone else who would give it
1:29
Speaker 3: to me, to having just graduated, owning my own home
1:32
Speaker 3: with my partner, a six figure hospitality business, a freelancing
1:35
Speaker 3: copywriting business, and no debt.
1:38
Speaker 4: Sorry what I know.
1:39
Speaker 3: I'm so proud of how far I've come from having
1:41
Speaker 3: only two hundred fifty dollars a week from Centrelink to
1:43
Speaker 3: now making over one hundred k per year fresh out
1:46
Speaker 3: of UNI.
1:46
Speaker 1: Who are you money Diarist? You're already here to join us, Welcome.
1:50
Speaker 4: To the show.
1:51
Speaker 5: Thank you so much for having me.
1:52
Speaker 1: I'm excited about your story. I feel like you have
1:55
Speaker 1: had an ultimate glow up like what You're so impressive
1:59
Speaker 1: and I want to learn more. So let's start from
2:01
Speaker 1: the very beginning. Money dois Can you tell us a
2:04
Speaker 1: little bit about your money story?
2:06
Speaker 5: Yes, so, growing up, my parents broke up when I
2:09
Speaker 5: was very young and they were both single parents for
2:13
Speaker 5: the first couple of years. So when I was living
2:15
Speaker 5: with my mom, it was always single working mom doing
2:19
Speaker 5: her best, and then my dad did remarry and then
2:21
Speaker 5: he was supporting a family of five on his income.
2:25
Speaker 5: So it's safe to say that both sort of sides
2:29
Speaker 5: of my money story were not very rich. We didn't
2:33
Speaker 5: have a heat. I remember being like six years old
2:37
Speaker 5: and dad and my stepmom counting out five cent pieces
2:40
Speaker 5: to go buy milk, and they were super open with
2:42
Speaker 5: us about that, like they would say, we're broke, which
2:46
Speaker 5: looking back on now, I think is a pretty poor
2:49
Speaker 5: attitude to sort of be putting out there, but you know,
2:52
Speaker 5: they were keeping it real. We learned the value of
2:55
Speaker 5: money from a young age, but we weren't really taught
2:57
Speaker 5: how to save it, I guess, and how to handle
3:01
Speaker 5: money that we had because we never really had any money.
3:04
Speaker 5: So yeah, I mean, my mum's a super hard work
3:07
Speaker 5: I've always seen mom work really hard and dad is too.
3:10
Speaker 5: I guess. It was just circumstances that they weren't really
3:13
Speaker 5: able to get themselves out of. And so that's really
3:17
Speaker 5: raised me to look at I mean, especially now, I
3:19
Speaker 5: just see money as a tool, like it's not about
3:22
Speaker 5: how much you have, it's about what you're able to
3:23
Speaker 5: do with it. And that's always sort of been my
3:25
Speaker 5: goal is to just be able to do the things
3:27
Speaker 5: I want to do and feel safe doing those things.
3:31
Speaker 1: Oh my gosh, I have so many questions about your
3:33
Speaker 1: money mindset because I agree with that broke mentality that
3:36
Speaker 1: you mentioned before, because I really don't like the concept
3:40
Speaker 1: of broke right Like, I get it if you're literally
3:43
Speaker 1: you don't have a roof over your head, you're not
3:45
Speaker 1: able to put food on the table, and you are
3:48
Speaker 1: genuinely broke. But I feel like so many people will
3:51
Speaker 1: say things like, oh, I'm so broke this week.
3:53
Speaker 4: And it's like, well, you're not.
3:55
Speaker 1: Your money's allocated towards other things, or you've spent it
3:57
Speaker 1: on things that you value, or you haven't managed it properly,
4:00
Speaker 1: but that doesn't make you broke. I feel like that
4:03
Speaker 1: mentality can be quite limiting and it's not really a
4:07
Speaker 1: growth mindset in a way, Like and we want to
4:09
Speaker 1: have these growth mindsets where we're like, oh, we just
4:12
Speaker 1: don't have the money for that right now. But like
4:14
Speaker 1: the term broke makes it sound like it's a I
4:18
Speaker 1: don't know something that's placed upon you instead of a
4:20
Speaker 1: situation you can get out of yourself. So moving on,
4:24
Speaker 1: we already know you're a bit impressive money diarist, because
4:28
Speaker 1: we got your email and just spread it out. But
4:30
Speaker 1: can you tell us what you do for work and
4:32
Speaker 1: how much money you in?
4:33
Speaker 5: Yes, so work situation is a lot. So I work
4:37
Speaker 5: in marketing. I'm a marketing executive for a charity, which
4:41
Speaker 5: is a fairly new role. Yeah, it's very excite. I
4:44
Speaker 5: love it. I'm really happy there, and it's honestly, I
4:47
Speaker 5: had a bit of a nightmare trying to get my
4:49
Speaker 5: dream graduate position out of Uni. But you know, if
4:53
Speaker 5: it's meant to be, it'll be. And this job, like, oh,
4:55
Speaker 5: it's just my dream. So I work their part time,
4:58
Speaker 5: which will hopefully turn into full time later in the year.
5:01
Speaker 5: And then I also it was almost exactly a year
5:05
Speaker 5: ago actually I opened a cafe.
5:07
Speaker 4: Oh my god, you're a child. You can't have a cafe.
5:12
Speaker 5: Yeah, So I did that while I was studying full
5:14
Speaker 5: time as well and working and working another job to
5:18
Speaker 5: pay my bills. So I opened that and now I
5:21
Speaker 5: just work there from a sort of managerial perspective, like
5:24
Speaker 5: I'm not making coffees anymore. And then on top of that,
5:27
Speaker 5: I'm also freelancing. So my partner and I have started
5:30
Speaker 5: a copywriting business social media copywriting, and I have about
5:35
Speaker 5: ten clients through that, which, yeah, it's pretty great. So
5:40
Speaker 5: all up. I added it up the other day. It
5:41
Speaker 5: was just over one hundred and ten thousand annually. And
5:45
Speaker 5: then I do some babysitting, some nunning on the side
5:47
Speaker 5: when I have time as well, So yeah.
5:48
Speaker 1: When do you have time for that? I was just
5:51
Speaker 1: trying to have time, like, okay, you don't though.
5:55
Speaker 5: It's definitely a case of me doing freelancing work on
5:58
Speaker 5: my laptop while I'm looking after the kids. Kids.
6:00
Speaker 1: Yeah, okay, that makes a little bit more sense because
6:03
Speaker 1: I'm like this woman, there's no way, there's no way
6:06
Speaker 1: she has free time. Money diarist, I want to know
6:09
Speaker 1: what is currently your big money goal? What are you
6:11
Speaker 1: working towards with this one hundred and ten thousand dollar income.
6:15
Speaker 5: So my big goals at say, I want to fill
6:17
Speaker 5: all my savings accounts I use up and I have
6:21
Speaker 5: like twelve.
6:21
Speaker 4: Savers in there, Oh my gosh, so good, and.
6:24
Speaker 5: So I want to meet the savings goals for all
6:25
Speaker 5: of those, which excluding the car account, will come to
6:28
Speaker 5: just over twenty thousand dollars. So I'm getting there. I'm
6:32
Speaker 5: working towards it. But then longer term, my partner and
6:36
Speaker 5: I want to invest in some more property. So we
6:38
Speaker 5: currently own our home and we're hoping to move from
6:41
Speaker 5: here and then turn this into an investment property.
6:45
Speaker 3: How just how I can't even get one house, you're
6:49
Speaker 3: going for number two.
6:50
Speaker 1: And she's wady too and owns her own business and
6:52
Speaker 1: has this marketing executive job, Like what are you a wizard? Harry?
6:56
Speaker 5: But I just want to say, before we invest in
6:59
Speaker 5: more property, our shared goal is to get a pool.
7:02
Speaker 5: We live in Queensland and it is very hot, so
7:05
Speaker 5: love that.
7:05
Speaker 4: That's sort of lifestyle.
7:07
Speaker 5: That's sort of the goal. Yeah, at the moment.
7:10
Speaker 1: Oh my gosh, let us know when it's done, because
7:12
Speaker 1: Jess and I will be up there. We'll come, we'll
7:14
Speaker 1: come visit. It won't be because you have cool house
7:16
Speaker 1: or anything, and it will definitely be to see you.
7:20
Speaker 1: All right, money, dires, Can you tell us about the
7:22
Speaker 1: investments you might already have? Yes, so I've you're going
7:27
Speaker 1: to be unimpressed or maybe not, why because you've got
7:29
Speaker 1: a business and a house. Well yes, so I mean
7:32
Speaker 1: on a more broad description of investment, I've obviously invested
7:37
Speaker 1: a lot of money into the business, which is definitely
7:39
Speaker 1: paying off. But apart from that, I've got eight grand
7:43
Speaker 1: in crypto.
7:45
Speaker 5: Most of that was purchased for me by my father
7:47
Speaker 5: and gifted to me.
7:49
Speaker 4: Interesting choice dead.
7:51
Speaker 5: Yes, yep, that's how he's got himself out of his pickle,
7:53
Speaker 5: is investing in crypto. He's super passionate about it and
7:57
Speaker 5: gifted all of his children thousands of dollars worth. And
8:00
Speaker 5: my uncle's on the same train, so he's also given
8:02
Speaker 5: me some cryptocurrency. And then I've got two thousand dollars
8:06
Speaker 5: in an ETF through Vanguard, I think, one thousand dollars
8:09
Speaker 5: in Spaceship and a couple of hundred in rays as well.
8:13
Speaker 4: Check you out.
8:15
Speaker 5: Yeah, so I would like to do more investing, but
8:19
Speaker 5: it's just not my priority right now. I also pay
8:21
Speaker 5: extra into my super.
8:22
Speaker 4: Of course she does, just of course she does.
8:25
Speaker 5: Just because there was a couple of years there where
8:27
Speaker 5: I wasn't working a PAYG job for a little while,
8:30
Speaker 5: so I wasn't paying it. So now I'm just prioritizing
8:33
Speaker 5: getting that up to where i'd like it to be.
8:34
Speaker 4: Oh my god, I'm obsessed with you. You're like literally
8:37
Speaker 4: a wizard.
8:38
Speaker 1: I'm convinced, like there's no way, you're actually twenty two.
8:42
Speaker 1: Do people sometimes say to you that you're an old soul?
8:44
Speaker 5: Yeah, I have heard that.
8:46
Speaker 1: I feel like I'm getting that vibe from you. No
8:48
Speaker 1: one can see that, but I'm just getting that vibe.
8:50
Speaker 1: I want to know it. Next, you said you have
8:53
Speaker 1: a house, Can you talk to us about what debts
8:55
Speaker 1: you have?
8:56
Speaker 5: Yes, So obviously I do have the mortgage that's three
8:59
Speaker 5: hundred thousand dollars ish I believe. And also I have
9:05
Speaker 5: obviously my hex debt, which is twenty grand the last
9:08
Speaker 5: time I checked. So when I said on my email
9:11
Speaker 5: that I had no debt, I was lying.
9:13
Speaker 1: But I know you work those Those both are okay debts.
9:16
Speaker 1: They're not bad consumer debt.
9:18
Speaker 5: Well, on the subject of consumer debt, today is Tuesday,
9:21
Speaker 5: which means my shop's credit card probably has six or
9:24
Speaker 5: seven hundred dollars on it because we do all the
9:26
Speaker 5: ordering at the start of the week and then I
9:28
Speaker 5: pay off the balance at the end of the week.
9:30
Speaker 4: So that's a cash flow tool.
9:32
Speaker 1: When you said to the shop, I was like, it
9:34
Speaker 1: makes sense when you have a business. And this is
9:36
Speaker 1: something I literally said to you the other day, jes
9:38
Speaker 1: So I was like, I think it's time that I
9:40
Speaker 1: get a business credit card because as a business, you
9:43
Speaker 1: incur so many expenses and it kind of makes sense
9:46
Speaker 1: to one give yourself the financial security of having a
9:49
Speaker 1: credit card because you can cancel it and it's not
9:52
Speaker 1: directly linked to your bank account. But then two, you
9:56
Speaker 1: get some points.
9:57
Speaker 4: Are you doing?
9:57
Speaker 1: Are you getting some pretty good points with the amount
9:59
Speaker 1: of money that you spend.
10:01
Speaker 5: Oh my goodness, I have enough points to go on
10:03
Speaker 5: around the world trip.
10:05
Speaker 3: What wow?
10:06
Speaker 5: Yeah, yeah, it's amazing. We have so much money going
10:09
Speaker 5: through the business, and the card has all sorts of
10:11
Speaker 5: like bonuses and stuff you can do. So I'm just
10:13
Speaker 5: trying to use that as a tool, and I pay
10:15
Speaker 5: it off at the end of every week, so I'm
10:17
Speaker 5: really trying to be very responsible. And also my accountant
10:20
Speaker 5: will get very angry at me if I use it
10:22
Speaker 5: for personal expenses as well, because it always I get
10:25
Speaker 5: stuff it up for him. So yeah, I.
10:27
Speaker 1: Mess up the bookkeeping. Our bookkeeper, Nicole. If you're listening fast.
10:30
Speaker 3: She's clenching her face.
10:32
Speaker 1: If you're listening Nicole, like she's chasing us for all
10:35
Speaker 1: of our reconciliations for our bass.
10:37
Speaker 4: And I'm busy. I'm sorry, I love you still, please
10:40
Speaker 4: keep my books clean.
10:42
Speaker 1: So next question, I feel like it's a good question
10:45
Speaker 1: for someone who does a lot of online shopping and
10:48
Speaker 1: does a lot of things for their business.
10:50
Speaker 4: He's shot back.
10:51
Speaker 5: Yes I do. I'm a big fan of shot back.
10:54
Speaker 5: I just have it on my browser. I didn't know
10:55
Speaker 5: there was an app, but yeah, I use it on
10:57
Speaker 5: my browser. I see if it'll work for what I'm buying.
11:00
Speaker 5: I do a lot of personal online shopping too, but
11:04
Speaker 5: there are a heap of things I order for the business,
11:06
Speaker 5: like you know, new coffee, drugs and signs and stuff.
11:09
Speaker 5: So always make sure that you shot back. And if
11:10
Speaker 5: there's a website that sells something similar, I'll always swap
11:14
Speaker 5: over to the one that uses shot back, just because
11:16
Speaker 5: it's like free money.
11:17
Speaker 4: I want cash back exactly.
11:19
Speaker 5: Although last night I did make her Princess Polly order
11:22
Speaker 5: while I was sitting on the couch watching TV, and
11:24
Speaker 5: I did it on my phone on the app.
11:26
Speaker 4: And I just didn't get your cash back.
11:28
Speaker 5: It was like five hundred dollars as well.
11:31
Speaker 1: I kind of want to be there. You're going to
11:33
Speaker 1: do a hall on your Insta or something, I'll be
11:35
Speaker 1: there for that. Oh I feel like I love perving
11:37
Speaker 1: on other people's shopping online. I'm like, what you get
11:39
Speaker 1: show me girl?
11:41
Speaker 5: Yes, I know. So that was really disappointing and I
11:42
Speaker 5: realized as soon as I checked out, I was like.
11:44
Speaker 1: No, ohally, but that is okay. Next question is what
11:49
Speaker 1: is your best money habit? I feel like, having learned
11:53
Speaker 1: a little bit about you in the last few minutes,
11:55
Speaker 1: I feel like she's got a few Jess.
11:58
Speaker 5: Well, look, I actually struggle to think about this one
12:00
Speaker 5: because I don't know if it's like imposter syndrome or
12:04
Speaker 5: if it's true. But I feel like I don't necessarily
12:07
Speaker 5: have good habits. I'm just a really really hard worker.
12:10
Speaker 5: So like, if I want something, I will find a
12:13
Speaker 5: way to make that money so I can have what
12:15
Speaker 5: I want, as opposed to like me being a really
12:17
Speaker 5: good saver or something like I just I will find
12:21
Speaker 5: the work. I will find the time to babysit or
12:23
Speaker 5: find another client, or I'll go and clean someone's house,
12:26
Speaker 5: like I can always find a way to get the
12:28
Speaker 5: money that I want.
12:29
Speaker 3: Being a hard worker is a good habit. Like that
12:31
Speaker 3: is You've literally just described a good habit, and it's
12:34
Speaker 3: a very good one to have. Being willing to do
12:36
Speaker 3: what you've got to do to like get what you want,
12:39
Speaker 3: in saying, oh, I want it, but I don't have
12:41
Speaker 3: it that same after pay or go and.
12:44
Speaker 1: Get a credit card, or I'll borrow money for it,
12:46
Speaker 1: like that mentality of like, no, if I want something,
12:50
Speaker 1: I'm going to go work really hard to make it happen.
12:52
Speaker 1: That's the best money. That's it, That is the best Okay,
12:56
Speaker 1: Stent corrected in saying that if you can't think of
13:00
Speaker 1: a good money habit, can you think of your worst
13:03
Speaker 1: money habit?
13:04
Speaker 5: Oh, a list as long as my arm Ah. Definitely,
13:08
Speaker 5: I'm a bit chaotic.
13:09
Speaker 1: Same girl.
13:10
Speaker 5: I've never been able to stick to a budget, Like
13:12
Speaker 5: I've tried so many budgeting tools. I don't seem to
13:15
Speaker 5: have the discipline to be able to stick to it.
13:18
Speaker 5: Like I'm always transferring out of my savings account, even
13:21
Speaker 5: if I have enough money in my spending account for
13:23
Speaker 5: my usual expenses, I'll just transfer out and make an
13:26
Speaker 5: online order or go out for dinner or shout my friends,
13:30
Speaker 5: which is another bad habit, which I think is a
13:34
Speaker 5: good habit in terms of me being a nice person.
13:36
Speaker 5: But I'm very, very generous, always spending on other people,
13:39
Speaker 5: always offering to pay for dinner, buying gifts to people,
13:42
Speaker 5: Like I think my love language is giving.
13:44
Speaker 4: Oh my gosh, I'm just.
13:45
Speaker 3: Going to say his gifts your love language. UND like it.
13:48
Speaker 5: Yeah, And I'm just like I can't stop myself.
13:50
Speaker 1: I'm resonated with that. I don't all the time. I
13:53
Speaker 1: think everyone in my team would be like, ah, yeah,
13:55
Speaker 1: that's Victoria. But I don't want to change that. Like,
13:58
Speaker 1: I love that about me and I love being in
14:00
Speaker 1: the position where I can do that for my team,
14:02
Speaker 1: and like, it's one thousand percent my love language. Like
14:06
Speaker 1: I get so excited if I think of a present
14:08
Speaker 1: that I'm like, oh my god, Jess is gonna love this.
14:11
Speaker 1: And then I get ridiculously excited and I'm like, oh
14:14
Speaker 1: my old it's not even a birthday. Maybe I'll just
14:15
Speaker 1: give it to her and then just just like what
14:17
Speaker 1: is this for?
14:18
Speaker 4: I just got really excited.
14:20
Speaker 5: That's me, that's me.
14:22
Speaker 1: So fun. But if you've got a good budget and
14:24
Speaker 1: cash flow system that's built into it, and I've worked
14:28
Speaker 1: out over the last few years how much on average
14:31
Speaker 1: I spend on that, and I make sure it's part
14:33
Speaker 1: of my budget, and I think one thing you said
14:36
Speaker 1: during that, and I'm going to talk to you after
14:38
Speaker 1: this episode about the budgeting cash Flow masterclass that I do.
14:41
Speaker 1: It's not necessarily about creating a budget that.
14:43
Speaker 4: You have to quote stick to.
14:45
Speaker 1: It's actually about tracking every dollar that goes into your
14:49
Speaker 1: account and every dollar.
14:50
Speaker 4: That goes out.
14:51
Speaker 1: So it's not saying, oh, my gosh, money diarist, this month,
14:53
Speaker 1: you have an extra one hundred dollars to spend on
14:56
Speaker 1: your friends and your family. It's actually about going, how
14:59
Speaker 1: much do you spend?
15:00
Speaker 4: Do you actually know?
15:01
Speaker 1: Because more often than not, when your love language is
15:04
Speaker 1: gift giving, you don't really know because it's so variable.
15:07
Speaker 1: So it's nice to have in the back of your
15:09
Speaker 1: head that you're like, all right, well, on average, I
15:10
Speaker 1: spend about one hundred dollars a month on that, or
15:12
Speaker 1: two hundred dollars a month on that, or whatever it
15:14
Speaker 1: might be. So it's not necessarily about budgeting in the
15:18
Speaker 1: traditional sense where people feel really restricted, but rather just
15:22
Speaker 1: being super aware of everything going in and out of
15:25
Speaker 1: your bank accounts so that you can make decisions that
15:27
Speaker 1: are in line with your values, so that you can go, oh, like,
15:31
Speaker 1: maybe I shouldn't do that, and I would go maybe
15:34
Speaker 1: you should you love that, but like that gym membership,
15:37
Speaker 1: you're not using it? Should we get rid of it?
15:39
Speaker 1: Because you're so aware of everything else that's going out.
15:42
Speaker 1: So I think that it's really important to see the
15:44
Speaker 1: difference between a cash flow plan and what traditionally was
15:48
Speaker 1: a budget, because traditionally people would be like, oh, my
15:51
Speaker 1: grocery budget's fifty dollars this week, and you're like, okay,
15:54
Speaker 1: but like, what is it actually going to be? Because
15:57
Speaker 1: that's different than what you're trying to restrict yourself to me.
16:00
Speaker 5: Yes, yes to all of that, absolutely.
16:04
Speaker 1: But yeah no, I would like to be better friends
16:06
Speaker 1: with you. So next question, before we get to have
16:10
Speaker 1: a deep dive into a few more pervy questions, is money, Darrist,
16:14
Speaker 1: what grade would you give yourself if we forced you
16:16
Speaker 1: to give your money?
16:17
Speaker 4: Habits a grade.
16:18
Speaker 5: I think I would give myself. I want to say
16:21
Speaker 5: it'd be minus, but I'm being realistic and I think
16:24
Speaker 5: it's probably a bee. I feel like there's so much
16:26
Speaker 5: I want to work on in terms of like I
16:29
Speaker 5: have the world at my feet, I have a good income,
16:31
Speaker 5: I have the opportunity to make so much more money.
16:34
Speaker 5: I you know, have a stable place to live, my
16:37
Speaker 5: income is stable. I have so many tools to do
16:39
Speaker 5: amazing things with my money for my future, but I'm
16:43
Speaker 5: just not doing them. So I would say I have
16:46
Speaker 5: a fair bit of a way to go, but I
16:49
Speaker 5: think I'm definitely on the right track.
16:51
Speaker 1: Oh my gosh, I want to break down all of
16:53
Speaker 1: that straight after this quick break.
17:00
Speaker 4: Or at money dirist. We are back.
17:02
Speaker 1: And one of the first things we learned about you
17:05
Speaker 1: from when we asked you the question tell us a
17:08
Speaker 1: little bit about your money story was that your family's
17:12
Speaker 1: money I guess mentality and their money mindset seems to
17:15
Speaker 1: be very different to the money mindset you have today.
17:18
Speaker 1: How did you get there? How did you change that? Like,
17:22
Speaker 1: how do we change that?
17:23
Speaker 5: I met my partner, So sorry, everybody, you can't have He's.
17:28
Speaker 1: Mine, all right, Well, Chris podcast over we had done.
17:33
Speaker 5: I met him at UNI when I was nineteen, and
17:37
Speaker 5: he was just so responsible, like he had his savings account,
17:41
Speaker 5: he had his emergency fund investments.
17:44
Speaker 1: Like what and he's he nineteen as well.
17:46
Speaker 5: He was twenty one, so he was just a little
17:48
Speaker 5: bit older. But I met him and I realized, like,
17:51
Speaker 5: oh wow, you know people my age can do that.
17:55
Speaker 5: I didn't realize people my age could do that. And
17:58
Speaker 5: so you know, he got me to read The Barefoot Investor, which.
18:02
Speaker 1: Such a good start, such a good start.
18:04
Speaker 5: I didn't finish it, but I read the bit about
18:07
Speaker 5: the buckets, and that gave me. I don't know, it
18:10
Speaker 5: just started the shift. And I can't say I stuck
18:12
Speaker 5: to it, but it definitely got me thinking more about
18:15
Speaker 5: money and it started me saving towards having an emergency fund,
18:19
Speaker 5: which I think is like the first big step. Yeah.
18:22
Speaker 4: To me, that's the key.
18:23
Speaker 1: That's like the biggest step anybody can make, regardless of
18:26
Speaker 1: their financial situation, is to have an emergency fund off
18:30
Speaker 1: to the side, so that if any expense pops up,
18:33
Speaker 1: you can pay for it, or if any situation you
18:36
Speaker 1: find yourself in is not a situation you want to be,
18:38
Speaker 1: and you can actually pay to get out of it.
18:40
Speaker 1: And I feel like that's a freedom that not everybody has.
18:43
Speaker 1: There was a stat that came out recently that said
18:46
Speaker 1: sixty percent of Australians don't have cash on hand if
18:49
Speaker 1: an unexpected five hundred dollar bill came up, and I
18:52
Speaker 1: was just like, oh, like, I don't mean to be entitled.
18:56
Speaker 1: I mean the very very privileged position of that, would
19:00
Speaker 1: you know it'd be a bump in the road for
19:02
Speaker 1: me financially, But the fact that more than sixty percent
19:05
Speaker 1: of Australians don't have access to that type of cash,
19:08
Speaker 1: I was like, oh my gosh, like.
19:09
Speaker 4: That she's on the money community.
19:11
Speaker 1: Like I feel like so many people talk about emergency
19:13
Speaker 1: funds now and having access to cash and now it's
19:16
Speaker 1: just I didn't feel like that was representative of our community.
19:20
Speaker 1: But I mean, we're a money community, so that kind
19:23
Speaker 1: of makes sense, but it just feels so limiting. And
19:26
Speaker 1: I just want more people to have more access to
19:30
Speaker 1: this level of financial freedom because I think that too
19:32
Speaker 1: many times we talk about financial freedom in this superficial
19:35
Speaker 1: kind of aspirational way that's like, oh, it's when you
19:38
Speaker 1: reach a point in life where you can afford anything
19:41
Speaker 1: without going to work, and you.
19:42
Speaker 4: Go, yep, that's absolutely it.
19:44
Speaker 1: But like, what about short term financial freedom and the
19:46
Speaker 1: financial freedom to make the decision that is in line
19:48
Speaker 1: with my values and my goals in the life. I'm
19:50
Speaker 1: trying to lead like that, your emergency fund is your
19:54
Speaker 1: first ticket to financial freedom. You hit the nail on
19:56
Speaker 1: the head money, Darrest.
19:57
Speaker 3: I want to know about your cafe, because yes, why
20:01
Speaker 3: didn't I ask this? I got the good one. You
20:03
Speaker 3: were studying, obviously, and then you got your dream job.
20:07
Speaker 3: But I think for a lot of people, when you're
20:09
Speaker 3: studying marketing, opening a cafe doesn't necessarily seem like a
20:13
Speaker 3: linear jump. So I want to know what made you
20:16
Speaker 3: choose to do it, and I guess.
20:18
Speaker 4: We do it?
20:19
Speaker 1: Yeah and a Yeah, we could open a cafe. It
20:21
Speaker 1: could be peach and we only serve oak laugh taste.
20:24
Speaker 5: That's that's me. That's what we do. That's exactly it.
20:26
Speaker 4: Oh my gosh, do you actually oat milk.
20:28
Speaker 5: Is our best selling alternative milk?
20:30
Speaker 4: Oh my gosh, yes.
20:32
Speaker 5: Yeah. So it was a bit of a situation. I
20:33
Speaker 5: was working in hospitality at the time and we had
20:39
Speaker 5: moved to where we live currently, and I was driving
20:42
Speaker 5: forty minutes to do six am opens in hospitality at
20:46
Speaker 5: my old job. Rough and I loved it there. It
20:48
Speaker 5: was great. I loved my team, but you know, it
20:51
Speaker 5: was a bit wrong. It's a lot, yeah, And I
20:54
Speaker 5: was so tired. And then my mum and stepdad decided
20:59
Speaker 5: they wanted to open a business. They wanted to open
21:01
Speaker 5: a record store, so they were looking for a venue
21:05
Speaker 5: to do that in and they found this amazing venue
21:08
Speaker 5: where we live, and it had a little cafe space
21:12
Speaker 5: already set up inside, not a space, it had the
21:15
Speaker 5: plumbing and the electricity for a cafe. It was empty.
21:18
Speaker 5: And they said, would you want to open up a
21:21
Speaker 5: business in here or would you want to manage a
21:23
Speaker 5: business if we opened it? And at first I was like, no,
21:26
Speaker 5: I absolutely do not want to do that. I'm studying
21:29
Speaker 5: full time, I have a job, I have a mortgage.
21:31
Speaker 5: I'm not going to open a business like go Away.
21:33
Speaker 5: And then I thought about it more and I just
21:36
Speaker 5: sort of thought, like, I do only live once, why not,
21:40
Speaker 5: Like I have an amazing partner who would support me
21:43
Speaker 5: through anything, I have the ability to work another job.
21:47
Speaker 5: Why not just do it? So I just did it.
21:49
Speaker 5: I think it cost me about ten thousand dollars and
21:52
Speaker 5: a million hours to open it up. I sourced everything
21:57
Speaker 5: from marketplace or second hand and from op shops, even
22:01
Speaker 5: like the counter and everything, so got everything secondhand.
22:05
Speaker 4: Oh my gosh, how good.
22:06
Speaker 5: Yeah, And I really wanted to do that from a
22:08
Speaker 5: sustainability point of view, and obviously from a monetary point
22:12
Speaker 5: of view as well. And then for the first seven
22:16
Speaker 5: months of operating. It was just me there every single day.
22:20
Speaker 5: I was exhausted. I was still studying full time, but
22:24
Speaker 5: obviously it was during COVID, so it was online, so
22:26
Speaker 5: I was like I'd have my laptop there with a
22:30
Speaker 5: lecture on while I was like making coffees. And it
22:33
Speaker 5: was really hard. It was really hard work. But then
22:36
Speaker 5: I got to the point where I could hire one
22:37
Speaker 5: staff member and then another and then another and now
22:40
Speaker 5: you're thriving. Yeah, So it was a really amazing journey
22:45
Speaker 5: and I'm really grateful. It's definitely the best thing I've
22:47
Speaker 5: ever done in my life. And at the moment, it like,
22:50
Speaker 5: obviously I still do work for it. There's a lot
22:53
Speaker 5: of behind the scenes work, but I would almost say
22:56
Speaker 5: like it's passive income. I get about seven hundred dollars
22:59
Speaker 5: a week just coming in from that without me having
23:02
Speaker 5: to work there, which is the best feeling.
23:05
Speaker 4: It is so lovely, who are you?
23:07
Speaker 3: And that's a business that you can build up and
23:09
Speaker 3: nurture and potentially one day if you wanted to, you
23:11
Speaker 3: could sell it on. Like you're building up something really
23:14
Speaker 3: valuable there. I feel like, how do you go juggling
23:17
Speaker 3: all of that back end admin? Because Anyone who has
23:20
Speaker 3: ever run a small business would know that admin is
23:22
Speaker 3: where your time just disappears down a hole. How do
23:26
Speaker 3: you go with that? And then your current full time
23:28
Speaker 3: marketing role plus your freelance work as well.
23:31
Speaker 5: It's definitely a lot of it is done on the
23:33
Speaker 5: couch at night or I give plasma every two weeks
23:38
Speaker 5: to the blood bank, and that is my time.
23:40
Speaker 1: So she's just like an all round, really wholesome person.
23:43
Speaker 4: I'm obsessed with you.
23:45
Speaker 5: Well, that process takes about two hours, so that is
23:47
Speaker 5: my time where like there's no one there to distract me.
23:49
Speaker 5: I just knuckle down. I do the pays, I do
23:52
Speaker 5: the rostering, I do any ordering, I need to pay
23:55
Speaker 5: any invoices, Like I really try and just use that
23:57
Speaker 5: time to like smash it up the Fortnite cure?
24:01
Speaker 1: Are you Like you're just like this awesome human. But
24:04
Speaker 1: that's also a really good point. Giving plasma does take time,
24:08
Speaker 1: but you're using it effectively and it's something that the
24:10
Speaker 1: blood bank needs more of, right, I.
24:12
Speaker 3: Heard on the radio this morning they're really in need
24:14
Speaker 3: of I think own negative.
24:16
Speaker 1: Or something there, because that's the most useful time blood.
24:19
Speaker 3: Don't know, just sliding that in there if you can
24:22
Speaker 3: give blood, doo like, it's a really easy thing to
24:24
Speaker 3: do that, and they have free snacks, they give you
24:26
Speaker 3: free snacks. They're really kind and you literally can change
24:29
Speaker 3: somebody's life. So if anyone's been thinking about it, you
24:30
Speaker 3: can book online, take a leaf out of our money
24:32
Speaker 3: Direst's book. You can donate plasma, or you can donate blood.
24:36
Speaker 3: Blood is a lot less frequent I think. I don't
24:38
Speaker 3: think it's every.
24:38
Speaker 5: Two weeks, but it's every three months.
24:40
Speaker 3: They go, she's an expert.
24:42
Speaker 4: So it's not even that bigger commitment.
24:44
Speaker 1: If you're just donating blood, it's just once every three months,
24:46
Speaker 1: and then you can tell people how good you are.
24:48
Speaker 4: I love that.
24:49
Speaker 3: But what a clever way to use that time to
24:50
Speaker 3: be doing something that's obviously important to you and you
24:53
Speaker 3: know you obviously want to give back or support in
24:56
Speaker 3: that way, but then to also be like, I'm just
24:58
Speaker 3: going to bring my laptop along with me. I think
25:00
Speaker 3: that's an incredible testament to your mentality.
25:02
Speaker 5: It's a matter of like finding time and I could
25:06
Speaker 5: just be sitting there watching tiktoks because it's like, oh,
25:08
Speaker 5: I'm already doing something hard. There's a needle in my
25:11
Speaker 5: arm for doing Yeah, don't you attack me like that.
25:15
Speaker 5: But instead, I'm just trying to find the time where
25:17
Speaker 5: I can. So like when I was studying as well,
25:20
Speaker 5: I would be cooking dinner and I'd have my lectures on. Like,
25:22
Speaker 5: I'm just trying to find time where I can, and
25:25
Speaker 5: it's definitely helped me manage myself better.
25:28
Speaker 1: Oh my gosh, not to be too pervy, but how
25:31
Speaker 1: does your mental health go with all of that. I
25:34
Speaker 1: know that mine ends up being incredibly overwhelmed, and I
25:37
Speaker 1: feel like I recently in particular, have just like burnt
25:40
Speaker 1: myself out. Is that something where you're just in the
25:44
Speaker 1: I guess in the depths of it and you're like no, nothing,
25:47
Speaker 1: or is that something that you have to work on regularly.
25:49
Speaker 5: It definitely comes in goes in waves, like I have
25:52
Speaker 5: my struggles. We all have our struggles, and sometimes it
25:55
Speaker 5: all is a bit too much. I'm a bit of
25:56
Speaker 5: a crier and I'm sad about once a month I
26:02
Speaker 5: will just like fully just like, oh it's all too much,
26:05
Speaker 5: Like I'm doing too much. I can't do it. When
26:07
Speaker 5: I get burnt out and overwhelmed, it's a case of
26:10
Speaker 5: stepping back from things that I don't need to be doing,
26:12
Speaker 5: so I'll step back from doing some extra work on
26:15
Speaker 5: the copywriting business, or I'll stop going to the gym
26:18
Speaker 5: for a couple of days, or you know, if I've
26:21
Speaker 5: committed to doing some extra stuff for the cafe, I'll
26:23
Speaker 5: just step back from that and have a bit of
26:26
Speaker 5: a reset, watch some TV, like just relax, and then
26:29
Speaker 5: I can come back refresh. So it's definitely just listening
26:32
Speaker 5: to my body.
26:33
Speaker 1: I feel like that's such an important question to ask,
26:36
Speaker 1: especially when you sound like the bigger I don't want
26:38
Speaker 1: to use the term girl boss because I hate that
26:40
Speaker 1: tis so gross, but like, you just sound like the
26:43
Speaker 1: biggest boss, and I'm obsessed with it. But I also go, oh,
26:47
Speaker 1: like sometimes when listening to podcasts like this or seeing
26:50
Speaker 1: social media, you just only see the shiny sides of
26:53
Speaker 1: it where you're like, wow, she's so impressive if she
26:55
Speaker 1: has this business, and you know he's doing UNI and
26:58
Speaker 1: has this epic job and so does all these awesome things,
27:01
Speaker 1: and it's kind of like, no, let's like normalize the
27:03
Speaker 1: fact that, like we also break and sometimes we are
27:07
Speaker 1: really fragile, and it's important to talk about these things
27:10
Speaker 1: because if we don't how is somebody else going to
27:13
Speaker 1: go all right, I'm going to give it a crack
27:15
Speaker 1: when they're like, oh, but you know, I'm not a
27:17
Speaker 1: thousand percent mentally equipped for this, and it's like, no, no, no,
27:20
Speaker 1: you do it anyway. And when there is a will,
27:22
Speaker 1: there is a way.
27:23
Speaker 5: Obviously, because the cafe's first birthday is coming up in
27:26
Speaker 5: a couple of weeks, I've been doing a lot of
27:27
Speaker 5: reflecting and I look back and I find it so
27:30
Speaker 5: amazing how I was able to do it at the start,
27:34
Speaker 5: and I think that gives me a lot of strength
27:35
Speaker 5: as well, is like looking back from where I've come from,
27:39
Speaker 5: and it really motivates me to keep going. I don't know,
27:42
Speaker 5: just like finding strength in my past self. It's like
27:45
Speaker 5: my past self would be so proud of the fact
27:48
Speaker 5: that I'm not having to get up at five am
27:50
Speaker 5: every day and work there. So for her, I'm going
27:53
Speaker 5: to go ahead and plan this event. I'm going to
27:55
Speaker 5: go ahead and reach out to these new suppliers, Like
27:57
Speaker 5: it's very much. I'm a big fan of doing things
27:59
Speaker 5: for my past self to make her proud.
28:01
Speaker 1: Oh so so she's so wholeome. Blood donating plasma donating
28:06
Speaker 1: legend I'm obsessed with you. I said that before, but
28:09
Speaker 1: I genuinely am.
28:10
Speaker 4: And I think that that's.
28:11
Speaker 1: Such a good place to position it as well, Like,
28:15
Speaker 1: can you imagine if we sat you down and said,
28:17
Speaker 1: all right, money direst Like, in another year, you're going
28:20
Speaker 1: to have an epic business of your own. You're going
28:22
Speaker 1: to be doing all these things, Like would you ever
28:24
Speaker 1: believed that?
28:25
Speaker 5: No? No, exactly.
28:27
Speaker 1: So I think it's so cool to look back and
28:29
Speaker 1: be like, oh my gosh, she was doing it. She
28:31
Speaker 1: didn't necessarily believe in it, but she was full of
28:34
Speaker 1: the hustle, and now you do. I just feel like
28:37
Speaker 1: it's so so kind to look back on past self
28:40
Speaker 1: with like kind eyes. And we always say that, you know,
28:43
Speaker 1: past self was just doing the best that they could
28:45
Speaker 1: and they just don't know how good it can end
28:48
Speaker 1: up being.
28:49
Speaker 5: Yeah, yeah, I'm very proud. I'm very proud of myself.
28:51
Speaker 1: Oh I'm glad you should be. We're proud of you.
28:54
Speaker 3: Speaking of your job, I want to talk about your
28:57
Speaker 3: marketing role as well, because you're doing this whole other thing.
29:00
Speaker 3: You know, you've got a business and you've got a
29:02
Speaker 3: whole other section of your life with your full time
29:04
Speaker 3: role which is a six year role, which is incredible.
29:06
Speaker 3: It's not common for someone to graduate, step out of
29:09
Speaker 3: UNI and then jump straight into a role that pays
29:12
Speaker 3: so well. Did you negotiate that salary? How did you
29:16
Speaker 3: come across this job? Because typically anyone who's taken a
29:19
Speaker 3: position will note that it's usually a little bit of
29:22
Speaker 3: the hard slog, doing your due diligence, your time in
29:25
Speaker 3: with the trenches, and generally the pay's not great. So
29:29
Speaker 3: what did you do differently that maybe other people can
29:32
Speaker 3: try implement as well.
29:33
Speaker 5: So the company that I work for I used to
29:36
Speaker 5: when I was in UNI. I was freelancing for a
29:39
Speaker 5: copywriting agency who this company was one of their clients,
29:44
Speaker 5: so I was familiar with the business. I'd already done
29:46
Speaker 5: some work for them. Unfortunately, I was unable to continue
29:50
Speaker 5: my job with that marketing agency, and then I saw
29:54
Speaker 5: this role come up. I saw it on Instagram, I think,
29:57
Speaker 5: and they were hiring an executive. They were hiring someone
29:59
Speaker 5: with years experience, they wanted all of these things, and
30:02
Speaker 5: I was like, I don't have that. But it was
30:04
Speaker 5: a sort of a like a matter of I'm not
30:06
Speaker 5: desperate for the job, so why not try? And so
30:10
Speaker 5: I tried and I had an interview, and then my
30:13
Speaker 5: boss flew up from Sydney so we could properly meet
30:16
Speaker 5: up for an interview, and it was just amazing, like
30:19
Speaker 5: we got along so well, and even though I was
30:21
Speaker 5: obviously lucky in some areas because I only had about
30:24
Speaker 5: a year's experience, she just she was happy for me
30:27
Speaker 5: to come on anyway. So that was a really great
30:29
Speaker 5: starting point. And when we spoke about salary, I was
30:33
Speaker 5: absolutely shocked because I assumed that because I wasn't meeting
30:36
Speaker 5: all of everything they wanted for that role, I wasn't
30:39
Speaker 5: going to get paid the salary that they'd put aside.
30:41
Speaker 5: But when she told me, I was just absolutely gobsmacked.
30:46
Speaker 5: I was super happy with it. But again, I really
30:51
Speaker 5: wide up. I was like, that's a great role and
30:53
Speaker 5: a great salary, but considering everything else in my life,
30:58
Speaker 5: is it enough? So I did negotiate it to be
31:00
Speaker 5: a little bit higher because I did have to let
31:03
Speaker 5: a couple of my freelancing clients go, and so I
31:06
Speaker 5: just wanted to sort of balance that for myself. It
31:07
Speaker 5: was obviously a bit of a risk, and yeah, they
31:10
Speaker 5: were happy for me to negotiate, and once I'm off probation,
31:14
Speaker 5: which will be next month.
31:15
Speaker 4: Exciting.
31:16
Speaker 5: We've agreed on a pay rise as well. Then what Yeah,
31:20
Speaker 5: so it's really great and I'm very happy with it.
31:22
Speaker 5: I think it was just a matter of like, obviously
31:24
Speaker 5: I cared, I cared very deeply, but it was not
31:26
Speaker 5: being scared and just going for it and just giving
31:28
Speaker 5: it a go, because the worst they can say is no,
31:31
Speaker 5: and then you can reevaluate and it's like, oh, it's fine,
31:35
Speaker 5: that's so true.
31:35
Speaker 3: Research shows that women will only apply for roles if
31:39
Speaker 3: they feel like they meet I think it was like
31:41
Speaker 3: ninety percent. Yeah, that delistic criteria, whereas men would apply
31:46
Speaker 3: if they met like sixty percent or something.
31:49
Speaker 1: I'm not, no, no, no, that feels really right. Yeah, even
31:52
Speaker 1: if not the premise of that comment is exactly on point.
31:56
Speaker 1: Where did you find your audacity? Did you borrow it
31:59
Speaker 1: from a medio commit age white man, or like just
32:02
Speaker 1: made yourself.
32:03
Speaker 5: I was definitely inspired by you guys, like you've said
32:06
Speaker 5: that statisticians are and I said that to my partner.
32:09
Speaker 5: I was like, who cares if I don't meet all
32:12
Speaker 5: of these you know, I meet some of them and
32:14
Speaker 5: I have things that they're not asking for. I know
32:17
Speaker 5: the company, I know what they do. I've worked with
32:19
Speaker 5: them before, so why not Like I can offer other
32:22
Speaker 5: things that isn't three to five years experience, And yeah,
32:26
Speaker 5: it just paid off.
32:27
Speaker 3: The worst I can pay is now. And if you
32:28
Speaker 3: get a rejection email, it just goes in the trash
32:30
Speaker 3: with all the other ones. Right's I love that. I
32:32
Speaker 3: think more people should do that.
32:33
Speaker 1: Yeah, you love that because you did that.
32:35
Speaker 4: You did that for your job.
32:36
Speaker 1: So when Jess applied for her role, she met basically
32:39
Speaker 1: none of the criteria, but she was some of them.
32:41
Speaker 1: No no, no, but like for a content creation role,
32:44
Speaker 1: You're like, I've never done this before, but look at
32:46
Speaker 1: all my stuff. Look how smart I am, Look how
32:48
Speaker 1: great I am at this. Jess went above and beyond.
32:50
Speaker 1: I'm not meaning to embarrass you. I'm just impressed. She
32:53
Speaker 1: not only did the application, she submitted her resumetion, wrote
32:57
Speaker 1: a gorgeous cover letter. Jess, she actually filmed an entire
33:01
Speaker 1: private YouTube video explaining to me exactly why she would
33:05
Speaker 1: be perfect for the job. And I was like, oh, okay,
33:08
Speaker 1: sit down, come in. And I knew that I was
33:10
Speaker 1: going to hire her before i'd even met her, because
33:12
Speaker 1: I was like, who goes that above and beyond for
33:14
Speaker 1: a job. But Jess was like, no, if I want it,
33:17
Speaker 1: I'm going to go for it, and those are the
33:19
Speaker 1: types of people I want on my team. So I
33:21
Speaker 1: fully back your mentality and I think more people should
33:24
Speaker 1: do it because you're right. Money Diarist nearly used your name,
33:28
Speaker 1: but you are so right. What's the worst I can say? No, Sorry,
33:31
Speaker 1: we actually need need that five years experience. You're going,
33:34
Speaker 1: no problems. Thanks for getting back to me.
33:35
Speaker 5: I'll apply in five years.
33:37
Speaker 1: Yeah, thanks, see them bab bye. No, Oh my gosh,
33:41
Speaker 1: I love that. I feel like you have been such
33:43
Speaker 1: an inspirational Money Diarist. But the last question I want
33:45
Speaker 1: to ask you is, actually, what if we're at UNI
33:49
Speaker 1: and we're thinking of starting a side hustle but we
33:51
Speaker 1: are terrified, what do you think we should be doing.
33:54
Speaker 5: Make sure you're surrounded by people who will support you,
33:58
Speaker 5: not necessarily financially, but who will you know lift you
34:01
Speaker 5: up and give you the mental and emotional support that
34:04
Speaker 5: you need. And if you have someone who you know
34:07
Speaker 5: will catch you if you fall, that's also really helpful.
34:10
Speaker 5: What I did was I made sure so I was
34:12
Speaker 5: freelancing at the time, and I made sure that, like
34:15
Speaker 5: I was still going to be doing that, I still
34:17
Speaker 5: had a bit of money coming in. I made sure
34:19
Speaker 5: that my expenses could be covered, so whether that's sent
34:22
Speaker 5: Link or another job or parents or whatever, made sure
34:26
Speaker 5: that my bills would be paid. And then I just
34:29
Speaker 5: went for it. Like I just went for it because
34:31
Speaker 5: what's the worst that could happen if the business failed.
34:34
Speaker 5: I still had experience in hospitality. I could get another
34:36
Speaker 5: hospitality job so easily, and you know, often if you try,
34:41
Speaker 5: and if you're passionate and if you you know, really
34:43
Speaker 5: work hard, it will pay off. So yeah, that's what
34:46
Speaker 5: I'd say. It's just make sure that you're supported and
34:48
Speaker 5: you're comfortable, and then just just take the leap and
34:51
Speaker 5: do it.
34:51
Speaker 1: I feel like that is really really important advice. And
34:54
Speaker 1: I think to add to that, you're in the position
34:57
Speaker 1: that I was in when I started, you know, doing
34:59
Speaker 1: my own thing. I started what was at Zella. I
35:02
Speaker 1: was twenty three when I started that, and I think
35:05
Speaker 1: that people all thought I was crazy, and I was
35:07
Speaker 1: at the time. It was kind of like, oh, you know,
35:11
Speaker 1: I didn't have a partner. Then I was in a
35:13
Speaker 1: position where I was living in a sharehouse. I'd worked
35:16
Speaker 1: out what my expenses were, and I knew that I
35:18
Speaker 1: could start a business. If I had like a part
35:21
Speaker 1: time job on the side, I could still cover my bills.
35:24
Speaker 1: And I was in the very privileged position of, you know,
35:26
Speaker 1: being young, educated, not having any financial responsibilities like children
35:31
Speaker 1: or you know, a partner that wasn't working or something
35:33
Speaker 1: like that. And I was like, well, if this doesn't
35:35
Speaker 1: work out, I'll just go find another job and I'll
35:37
Speaker 1: call it a learning. And I just think so many
35:40
Speaker 1: more of us need to back ourselves in that way,
35:42
Speaker 1: because yes, I was very naive and it was much
35:45
Speaker 1: harder than I thought.
35:46
Speaker 4: It was going to be.
35:47
Speaker 1: But it's gotten me to this position that I desperately
35:50
Speaker 1: wanted to be in and didn't know I wanted to
35:52
Speaker 1: be in today, And it looks like you're in exactly
35:54
Speaker 1: that same position, and it just makes me so proud
35:56
Speaker 1: that you're like, no, I just did it, and I'm like, Okay.
35:59
Speaker 5: It was really scary because we'd bought a house four
36:01
Speaker 5: months before, so it was she.
36:03
Speaker 1: Was very to me.
36:04
Speaker 4: I didn't have a mortgage.
36:06
Speaker 5: Yeah, it was terrifying. It was honestly really terrifying. But again,
36:10
Speaker 5: I made sure that I could pay the mortgage, my
36:12
Speaker 5: half of the mortgage with the what was it, I
36:14
Speaker 5: was bringing like two hundred and fifty dollars a week,
36:16
Speaker 5: and I was like, yeah, that's fine, I can do it.
36:19
Speaker 5: And then I was really lucky that I didn't operate
36:22
Speaker 5: a loss for too long and could start paying myself
36:24
Speaker 5: from the cafe and then the rest of history.
36:27
Speaker 4: So good.
36:28
Speaker 1: Well, congratulations on that, and congratulations to one year in
36:31
Speaker 1: business very soon.
36:33
Speaker 4: That is so exciting.
36:34
Speaker 1: And I hope that you're not just celebrating it with
36:37
Speaker 1: like the event you were talking about with the cafe,
36:39
Speaker 1: but I hope you go out for dinner with family
36:41
Speaker 1: and friends and just like actually celebrate it, because that's
36:44
Speaker 1: one thing that if I look back on it, I
36:46
Speaker 1: wish I'd celebrated those milestones a bit more. I will
36:50
Speaker 1: thank you, thank you to do it for me, but
36:52
Speaker 1: thank you so much. I think that is jess all.
36:54
Speaker 1: We have time for today.
36:56
Speaker 3: Absolutely, But just before we head off, don't forget the
36:58
Speaker 3: advice shed on. She's on money is general in nature
37:01
Speaker 3: and does not consider your individual circumstances. Shees on the
37:04
Speaker 3: money exists purely for educational purposes and should not be
37:07
Speaker 3: relied upon to make an investment or a financial decision,
37:10
Speaker 3: and we promise. Victoria Divine is an authorized representative of
37:13
Speaker 3: Infocused Securities Australia Proprietary Limited ABN four seven oh nine
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Speaker 3: seven seven nine seven O four nine AFSL two three
37:21
Speaker 3: six five two
37:22
Speaker 1: Three See next episode Guys Bye