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Underpaid? Here’s How to Fix It + Oura Rings Vs a $20 dupe · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor
• 0:04
  Speaker 1: the Order Kerni Whaltbury 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. She's on the Money.
• 0:57
  Speaker 2: Hello, and welcome to She's on the moneyodcast that makes
• 1:00
  Speaker 2: personal finance fun, especially on Fridays. It's our favorite day
• 1:04
  Speaker 2: of the week because I get to get my team
• 1:06
  Speaker 2: together and celebrate you how incredible She's on the Money.
• 1:10
  Speaker 2: Community is just agreed. She's back as always. I'm going
• 1:13
  Speaker 2: to be sharing our favorite money wins of the week.
• 1:15
  Speaker 2: Miss becksay ed. She's here with a number of different
• 1:18
  Speaker 2: broke tips. She's broke, not just feeling broke. We'll be
• 1:25
  Speaker 2: helping to endser a money dilemma which this week is
• 1:28
  Speaker 2: all about not being fairly compensated at work and something
• 1:33
  Speaker 2: that you slid into our dms about what do you
• 1:36
  Speaker 2: do when you and your partner aren't aligned on your
• 1:38
  Speaker 2: joint goals. I feel like that would be so hard,
• 1:42
  Speaker 2: like you probably do. That's the end of the show.
• 1:45
  Speaker 2: At the end of the show, Well you know how
• 1:47
  Speaker 2: to sold fights communication. I thought you were going to
• 1:51
  Speaker 2: say fists.
• 1:52
  Speaker 3: Well you look at just.
• 1:53
  Speaker 4: Like you about to kick her out off.
• 1:56
  Speaker 2: Because I thought that Jess would say imvnication. Jess looks innocent,
• 2:09
  Speaker 2: but like she could. She honestly is often on the
• 2:12
  Speaker 2: verge of throwing hands through and through before we get
• 2:17
  Speaker 2: to all of that, though, Guys, how were your weeks?
• 2:20
  Speaker 2: I'm hoping none of you threw hands?
• 2:23
  Speaker 4: You go first, because I feel like you did throw
• 2:24
  Speaker 4: hands at least three times now that I can do it.
• 2:27
  Speaker 2: No, I didn't.
• 2:29
  Speaker 5: Good Happy Valentine's Day.
• 2:32
  Speaker 2: Love it. I haven't done anything.
• 2:34
  Speaker 5: Oh no, that's a total lie. We had a photo
• 2:36
  Speaker 5: shoot yesterday.
• 2:38
  Speaker 6: Anything.
• 2:38
  Speaker 2: I'm like, I have literally had the biggest week, But
• 2:41
  Speaker 2: I don't know where you were. We it was such
• 2:44
  Speaker 2: a fun day.
• 2:45
  Speaker 5: We got lots of content, lots of fun videos.
• 2:48
  Speaker 2: We hired that house back down on the morning to
• 2:50
  Speaker 2: Peninsula that we hired when I first did like our
• 2:53
  Speaker 2: investing master class, so we're like, did our investing master class?
• 2:57
  Speaker 2: Wanted like beautiful sets, and one of the most cost
• 2:59
  Speaker 2: effective ways to do that was to hire out an
• 3:02
  Speaker 2: airbnb essentially that we were allowed to film in so
• 3:06
  Speaker 2: that we didn't have to hire like a production studio,
• 3:09
  Speaker 2: which is really expensive. But then also our team all
• 3:12
  Speaker 2: across the country and when we come together to do
• 3:15
  Speaker 2: content weeks or content days, they need accommodation. So I
• 3:19
  Speaker 2: said to the girls, what if we hired a really big,
• 3:22
  Speaker 2: fancy house that's so clever. You all get a bedroom.
• 3:25
  Speaker 2: All the bedrooms have on sweets, so you've got your
• 3:27
  Speaker 2: own rooms and stuff. But we have this big girl
• 3:30
  Speaker 2: house for a week, and it's just it is so
• 3:33
  Speaker 2: much fun, like getting to produce content and have everybody
• 3:37
  Speaker 2: in one place at one time. Like, it's just it's
• 3:39
  Speaker 2: a very good week for me. I was wondering, No,
• 3:43
  Speaker 2: it was not mine, absolutely not. It is currently for
• 3:48
  Speaker 2: sale though Beck and Jess our money. If we pull
• 3:52
  Speaker 2: our money, we still don't have enough for the deposit. Yes,
• 3:55
  Speaker 2: it goes.
• 3:56
  Speaker 5: The house, am I actually don't think I want to know.
• 4:00
  Speaker 2: From seven mil whoa, that's so many.
• 4:05
  Speaker 4: Dollaries, seven three hundred fifty thousand, literally, like you could
• 4:09
  Speaker 4: buy a whole house for the Yeah.
• 4:11
  Speaker 2: That's that.
• 4:11
  Speaker 4: That's what I say for a little apartment.
• 4:14
  Speaker 2: Crazy, it's crazy, Yes, it must be. We won't be
• 4:17
  Speaker 2: doing that, but it's nice to borrow for a week. Yeah, yeah,
• 4:21
  Speaker 2: it was very nice. Thank you for letting us borrow
• 4:24
  Speaker 2: your house. Like, how was your week?
• 4:26
  Speaker 4: Really good? Really cute? You know, I just I really
• 4:31
  Speaker 4: like that I know that I'm in a relationship, but
• 4:33
  Speaker 4: I also I really love my friends. My friends are
• 4:36
  Speaker 4: the loves of my life, and so it's a very
• 4:38
  Speaker 4: big like you know, I want to I want to
• 4:40
  Speaker 4: celebrate Gallantine's Day and Guylanine's Day, Gylentine's Day, and they
• 4:47
  Speaker 4: as well. So it's a big week of.
• 4:50
  Speaker 2: I think you would just say Balentine, well, I guess
• 4:57
  Speaker 2: I like how you were trying to be super political
• 4:59
  Speaker 2: and like, yeah, want to correct and that include everyone.
• 5:02
  Speaker 2: Valentine's would actually just meet the brief.
• 5:04
  Speaker 4: Turns out actually that there's a word.
• 5:06
  Speaker 2: It's good. It's good. You just wanted to share big love.
• 5:09
  Speaker 4: Yeah, and obviously The photo shoot was so much fun.
• 5:13
  Speaker 4: I've never felt so like fancy, you know what I mean.
• 5:18
  Speaker 2: Standing in a seven million dollar home does up the
• 5:20
  Speaker 2: antique does something to you in your bones. The confidence
• 5:25
  Speaker 2: I feel like gross because you're like, the photos can't
• 5:28
  Speaker 2: look that bad because look around. Yeah, yeah, people are
• 5:31
  Speaker 2: going to be looking at me. They're going to be
• 5:32
  Speaker 2: perving at what that mirror costs.
• 5:34
  Speaker 4: Or yeah, and I think you can polish it herd
• 5:37
  Speaker 4: if you're in a seven million dollar half.
• 5:39
  Speaker 2: I think the thing that Jess and I loved most
• 5:41
  Speaker 2: about the house is like we're pervy, right, so like
• 5:45
  Speaker 2: everyone does this, Like, let's be honest, you're at an
• 5:47
  Speaker 2: air banba. I'm opening the cupboards, I'm looking in the drawers.
• 5:50
  Speaker 4: I'm looking at those tees y as individual.
• 5:53
  Speaker 2: The individual packs of the tees they had. Jess and
• 5:55
  Speaker 2: I go around and we look at the home. Wh
• 5:57
  Speaker 2: we love a homework. Jess and I target kmart Eh
• 6:03
  Speaker 2: and m so many of those things that I was like,
• 6:05
  Speaker 2: oh my gosh, this bookshelf is probably going to be
• 6:07
  Speaker 2: covered in like such expensive coment.
• 6:09
  Speaker 5: Wasn't they really could exercise in Things don't have to
• 6:12
  Speaker 5: be expensive to look I mean like granted, obviously you
• 6:14
  Speaker 5: have the backdrop of the seven million at a home.
• 6:16
  Speaker 2: Which and when we googled the dining table because we
• 6:19
  Speaker 2: were like, oh, this dining table is stunning. It's fifteen
• 6:23
  Speaker 2: thousand dollars. Yeah, couldn't be.
• 6:25
  Speaker 5: But it was very cool to see that they did
• 6:26
  Speaker 5: have a lot of beautiful accessories that were from kmartin target.
• 6:29
  Speaker 2: Yeah, it's like they really did the high low. But
• 6:32
  Speaker 2: I mean, maybe I'll get them in my house while
• 6:34
  Speaker 2: looks seven million dollars.
• 6:36
  Speaker 5: Is that how?
• 6:37
  Speaker 4: Yes? Yeah?
• 6:38
  Speaker 2: Good? My new Kmart cushions make my house look like
• 6:41
  Speaker 2: the seven million dollar house exactly.
• 6:43
  Speaker 4: Yep, that's exactly it works.
• 6:44
  Speaker 2: It's not even half, not even a quarter like wild Anyway,
• 6:48
  Speaker 2: this week has been really fun. But I was wondering,
• 6:51
  Speaker 2: do you want to hear one of our five style reviews?
• 6:53
  Speaker 6: Yes?
• 6:53
  Speaker 7: Please?
• 6:54
  Speaker 2: This one was really cute. So this one is from Jackie.
• 6:57
  Speaker 2: She says, empowering like many others, has literally changed my
• 7:02
  Speaker 2: perspective and my behavior towards money for the best. I've
• 7:06
  Speaker 2: just made my first investment with an ETF and I'm
• 7:09
  Speaker 2: so happy. I love the dynamics between the hosts and
• 7:12
  Speaker 2: find the podcast overall to be a positive and educational space.
• 7:18
  Speaker 2: Thank you and cute Jackie.
• 7:19
  Speaker 4: Yes, and congratulations on your first ETF purchase and.
• 7:23
  Speaker 2: She's an investor. And also like the fact that you
• 7:26
  Speaker 2: took the time out of your day to just leave
• 7:28
  Speaker 2: something positive on the internet. That's goo to thank you.
• 7:30
  Speaker 4: Thank you so much.
• 7:31
  Speaker 2: I adore it all right. Speaking of positive our Facebook
• 7:35
  Speaker 2: community is one of my favorite places to hang out
• 7:38
  Speaker 2: on the Internet. It's just grichie. Yes, what money wins
• 7:41
  Speaker 2: and confessions are you bringing to the table this week?
• 7:43
  Speaker 5: Well, when I start off with a follow up from
• 7:45
  Speaker 5: a couple of weeks ago, you might remember I read
• 7:47
  Speaker 5: a money win from someone about Planet Fitness. Oh yaid
• 7:50
  Speaker 5: oh they're not Australian. How annoying they are. I said,
• 7:53
  Speaker 5: I'd go away do some research. We had some queens
• 7:55
  Speaker 5: slide into our dms to confirm that Planet Fitness is
• 7:57
  Speaker 5: in fact a thing here.
• 7:58
  Speaker 7: I like this.
• 7:59
  Speaker 2: Podcasts actually a two way conversation, Yes slightly. I feel
• 8:02
  Speaker 2: like a lot of podcasts are just like you hear
• 8:05
  Speaker 2: the content, you leave it, No, no, no, the dms
• 8:07
  Speaker 2: are open if we say something on here that's actually
• 8:09
  Speaker 2: open conversations. I love that you listened to this but
• 8:13
  Speaker 2: I actually want your opinion. And when they jump into
• 8:16
  Speaker 2: the DMS and they're like, oh, you know how you're
• 8:17
  Speaker 2: talking about planet fields are you kidding? That's great? This
• 8:20
  Speaker 2: is just a long limited, once a week, I believe.
• 8:25
  Speaker 5: But Alicia also slid into our DMS and said, apparently
• 8:28
  Speaker 5: in the Newcastle area, Planet Fitness has changed the name
• 8:31
  Speaker 5: to Earth, but they have the same amenities, so maybe
• 8:34
  Speaker 5: look out for few rh like the cafe you are yeah, Earth,
• 8:39
  Speaker 5: but to refresh people's memory, so you pay the ten
• 8:41
  Speaker 5: dollar I think it's ten dollars a week. Is they're
• 8:43
  Speaker 5: more expensive?
• 8:44
  Speaker 4: This sounds like that.
• 8:45
  Speaker 2: I promise ten dollars a week is the gym. The
• 8:47
  Speaker 2: more they want to give us free memberships to like
• 8:50
  Speaker 2: unlimited spray, it's like I want to test out once
• 8:53
  Speaker 2: a week's bread okay, okay, okay, I guess we had
• 8:57
  Speaker 2: it every single day, Jess, how many times do you
• 9:01
  Speaker 2: need a spray? Tann in a well. This is what
• 9:02
  Speaker 2: I was thinking because I was kind of running the
• 9:04
  Speaker 2: math in my head because it's once a week. I
• 9:06
  Speaker 2: just need a ten once a week.
• 9:07
  Speaker 5: Totally, it's about five, so it's not about it is
• 9:11
  Speaker 5: five dollars a week for their cheaper version, but that
• 9:12
  Speaker 5: doesn't cover the extra enemities. So it's ten dollars a
• 9:14
  Speaker 5: week for the more expensive they call it Black Card,
• 9:17
  Speaker 5: and that includes your once a week spray tan, use
• 9:19
  Speaker 5: of the hydro massage, use of the Red Life therapy boots,
• 9:22
  Speaker 5: use of the massage.
• 9:23
  Speaker 4: Chess Is that usd.
• 9:27
  Speaker 5: The more expensive and crazy? And the thing I was
• 9:31
  Speaker 5: thinking is I'm no longer like a regular tanning girly.
• 9:33
  Speaker 5: But back in the day when I was doing my
• 9:35
  Speaker 5: weekly tan you'd use about a bottle a month, right,
• 9:38
  Speaker 5: And if you get like an Isle of Paradise or
• 9:40
  Speaker 5: a Santropez that's about forty bucks a bottle. So for
• 9:42
  Speaker 5: the same price that you were spending on tanning, you
• 9:44
  Speaker 5: could just do the spray can and then you've got
• 9:46
  Speaker 5: a due membership for free. In my mind, ye see,
• 9:48
  Speaker 5: if I've gotten back into tanning, I've done the opposite.
• 9:51
  Speaker 5: I feel like on social media there's like an uprising
• 9:53
  Speaker 5: in influencers who are like, I'm not turning anymore, I'm
• 9:56
  Speaker 5: embracing my pale skin, and I love that for them,
• 9:59
  Speaker 5: but right now I don't feel that comfortable in my skin,
• 10:03
  Speaker 5: and the like I'm sorry you can't deny it. When
• 10:07
  Speaker 5: your body is covered in a coat of spray ten,
• 10:11
  Speaker 5: my confidence increases.
• 10:13
  Speaker 2: I'm sorry. It does something to my ego and at
• 10:17
  Speaker 2: the moment, I need that. Yeah. So I'm just going
• 10:20
  Speaker 2: to roll in ten every week and it's nobody else's business.
• 10:24
  Speaker 2: I'm feeling much better about my body. Thank you for asking, as.
• 10:28
  Speaker 4: You deserve to be.
• 10:29
  Speaker 5: Planet Fitness was also the one. I think I read
• 10:30
  Speaker 5: this in the money in where you can bring a guest.
• 10:32
  Speaker 5: Actually this was your bread tip. You can bring a
• 10:34
  Speaker 5: guest in staffed hours, so it's quite yeah, economical, I
• 10:37
  Speaker 5: feel as well.
• 10:38
  Speaker 2: So I don't know.
• 10:38
  Speaker 5: I've never been to a Planet Fitness, so I can
• 10:40
  Speaker 5: neither confirm or deny it. But I was thinking maybe
• 10:42
  Speaker 5: I should just pay ten bucks one where you can
• 10:44
  Speaker 5: go test the spray tan out.
• 10:45
  Speaker 2: And there's one in Geelong, so it's not weird, yeah
• 10:49
  Speaker 2: Geelong or long close to you.
• 10:51
  Speaker 5: Yeah yeah, there are a few others. That was just
• 10:54
  Speaker 5: the closest one to me anyway.
• 10:55
  Speaker 4: We can one's called Planet Fitness, or that one's called
• 10:58
  Speaker 4: Earth these.
• 10:58
  Speaker 5: Are that's Planet Fitness, Okay, God genus website anyway, enough
• 11:01
  Speaker 5: about them, But I just wanted to follow.
• 11:03
  Speaker 2: What else I feel like, I feel like it's a
• 11:05
  Speaker 2: good conversation to have.
• 11:07
  Speaker 5: Yeah, I just thought the girlies might like to know.
• 11:09
  Speaker 2: We followed up. We did ADDUI And because it's a
• 11:11
  Speaker 2: two way conversation, can you girls tell me what is
• 11:14
  Speaker 2: the best fake ten that I can do at home? Like,
• 11:16
  Speaker 2: I don't want to go get us pray ten every
• 11:18
  Speaker 2: week like I know some people do that. That's just
• 11:20
  Speaker 2: not my journey. That is an admin nightmare. I need
• 11:23
  Speaker 2: something that I can put on at ten pm, Like
• 11:26
  Speaker 2: that's that's the vibe, that's the goal. Tell me what
• 11:29
  Speaker 2: the best at home, like moose ten I think is
• 11:33
  Speaker 2: for me. Yeah, the one that I can put on?
• 11:36
  Speaker 2: What is the most like for you? Non fail? You
• 11:40
  Speaker 2: have one that's weird?
• 11:42
  Speaker 4: I sometimes they were faked what this is? Sometimes it
• 11:50
  Speaker 4: was in the winter. Sometimes I just just for a
• 11:52
  Speaker 4: little bit more orange because I don't I kind of
• 11:54
  Speaker 4: go a bit gray in the winter. Oh yeah, weird.
• 11:57
  Speaker 2: So what are you putting on? What it's called?
• 11:59
  Speaker 4: It like a little bottle and it's you shake it
• 12:02
  Speaker 4: and you it's foamy. It's like moosey. Yeah, foamy everything.
• 12:08
  Speaker 2: Under the sun. Let's take this off list. Okay, and
• 12:12
  Speaker 2: you can tell me which one you recommend, but I
• 12:15
  Speaker 2: just need to know because like they aren't cheap anymore.
• 12:17
  Speaker 2: And that's fine, but like I don't want to spend
• 12:21
  Speaker 2: seventy dollars or sixty dollars or forty dollars on a
• 12:25
  Speaker 2: bottle of fake tan that then makes me look orange.
• 12:29
  Speaker 5: Totally fair.
• 12:30
  Speaker 2: I paid my jues in high school with my orange tan.
• 12:33
  Speaker 2: I don't need to relive that in my thirties.
• 12:35
  Speaker 5: Yah, alright he Next, I've got money in from Jordan,
• 12:38
  Speaker 5: who said she used the online chat to price beat
• 12:41
  Speaker 5: via Bunnings, so she got an extra ten percent off
• 12:44
  Speaker 5: the best price you could find for a carpet cleaner
• 12:46
  Speaker 5: that Amazon had on sale. She ended up saving herself
• 12:49
  Speaker 5: seventy bucks and she picked it up an hour later. Oh, okay,
• 12:53
  Speaker 5: don't forget about the online price beat and you can
• 12:54
  Speaker 5: do it the chatbots if you don't like talking to people.
• 12:57
  Speaker 2: Yeah, sometimes it does feel like awkward when you're like, hey, so,
• 13:01
  Speaker 2: oh can you see the online like this is actually
• 13:04
  Speaker 2: cheaper in this other store? Can you price beat it?
• 13:06
  Speaker 2: Or I could never I do? I absolutely regrets. Yeah, absolutely.
• 13:10
  Speaker 2: Jb Hi Fire hates to see me coming. Yeah, I
• 13:13
  Speaker 2: love a jb unlucky unlucky because I'll just get it
• 13:16
  Speaker 2: up on my phone.
• 13:16
  Speaker 4: And be like.
• 13:19
  Speaker 5: Next, I've got money in from Tess, who said she'd
• 13:21
  Speaker 5: been eyeing the Aora ring for ages but couldn't bring
• 13:24
  Speaker 5: herself to splurge. Then out of nowhere, she won one
• 13:27
  Speaker 5: at her gym.
• 13:28
  Speaker 2: What which is crazy?
• 13:29
  Speaker 5: And I thought this was a good spot to quickly
• 13:31
  Speaker 5: interject because you and I both got these for Christmas.
• 13:33
  Speaker 2: Yes, and we did, and they're so expensive.
• 13:36
  Speaker 5: So expensive, and I love mine, but I will say
• 13:39
  Speaker 5: I wish someone had told me this. Mine looks like
• 13:41
  Speaker 5: shit now and I've had it for maybe a month.
• 13:44
  Speaker 2: Like I don't even want to talk about it, Jessica,
• 13:46
  Speaker 2: I text you a pho show. Yeah, so my husband
• 13:50
  Speaker 2: bought me my Ara ring for Christmas because and do
• 13:53
  Speaker 2: you know what, I will put the link to this
• 13:55
  Speaker 2: in the show notes of this episode. I purchased an
• 14:00
  Speaker 2: Alley Express, which is like direct from China kind of website.
• 14:05
  Speaker 2: It's legit, It's okay. I purchased a dupe Aora ring.
• 14:09
  Speaker 2: So for those of you following along at home, an
• 14:11
  Speaker 2: Ora ring is like it's like it's got the functionality
• 14:15
  Speaker 2: or a lot of the functionality of an Apple Watch.
• 14:17
  Speaker 2: So it's a health tracker. So in my Ura ring,
• 14:21
  Speaker 2: I can track my steps and my heart rate and
• 14:25
  Speaker 2: my sleep and it's been really helpful. And I purchased
• 14:28
  Speaker 2: it because I used to have an Apple Watch, and
• 14:31
  Speaker 2: then I didn't like looking like a spy kid, so
• 14:33
  Speaker 2: I stopped wearing it. But I did still want to
• 14:36
  Speaker 2: track my health, right, but I couldn't commit to the
• 14:39
  Speaker 2: Aura ring price because by the time you buy it
• 14:43
  Speaker 2: a USD currency conversion, it's about seven hundred and fifty dollars,
• 14:48
  Speaker 2: so it is a very expensive purchase. And when I
• 14:51
  Speaker 2: look at the ring online and in like all of
• 14:53
  Speaker 2: the TikTok videos, I looked at it's quite a chunky
• 14:55
  Speaker 2: ring too, and like, I'm not a chunky jewelry kind
• 14:58
  Speaker 2: of gal, so I wasn't even sure if it would
• 15:00
  Speaker 2: be comfortable to wear. So I ended up buying and
• 15:04
  Speaker 2: like researching, surely it's been duped, like the world is
• 15:08
  Speaker 2: very savvy nowadays. Found it perfect depends on whether you've
• 15:12
  Speaker 2: used Ali Express or not before, but it will cost
• 15:14
  Speaker 2: you anywhere between like seventeen and twenty seven dollars for
• 15:18
  Speaker 2: the basically the same thing. The only thing it doesn't
• 15:21
  Speaker 2: do beck is your temperature. So a lot of people
• 15:24
  Speaker 2: and one of the reasons why my husband then decided
• 15:27
  Speaker 2: to purchase the real quote orring for me was I
• 15:31
  Speaker 2: was in love and still I'm in love with my dupe,
• 15:33
  Speaker 2: my cheap one. Jess Jess had to the cheap one
• 15:36
  Speaker 2: as well. Looks the same. Yeah, it looks great, looks identical,
• 15:40
  Speaker 2: and sadly wears the same. In fact, I think was
• 15:44
  Speaker 2: it like Christmas Day or the day after Christmas. Jess
• 15:46
  Speaker 2: and I were texting, We were like, whoa, we both
• 15:49
  Speaker 2: got orderings, were so excited about it, and then I said,
• 15:52
  Speaker 2: this is really exciting, but low key. Did you expect
• 15:54
  Speaker 2: when you like opened the box and held your orring
• 15:57
  Speaker 2: that it would feel like better quality? And Jess was like,
• 16:01
  Speaker 2: oh my god, yes, because it didn't feel like like
• 16:05
  Speaker 2: better quality than the dupe, like the dupe actually it's
• 16:08
  Speaker 2: the same. In fact, I would say at this point
• 16:11
  Speaker 2: my dupe is in better condition than my aura ring
• 16:14
  Speaker 2: because my aura ring has completely changed color.
• 16:17
  Speaker 1: I see.
• 16:18
  Speaker 7: Yes.
• 16:18
  Speaker 5: I just want to say heads up for anyone who's
• 16:20
  Speaker 5: thinking about it, is mine is just so scratch scratched.
• 16:23
  Speaker 5: Typically we're on my non dominant hand, which is what
• 16:25
  Speaker 5: they recommend I take it off if I'm doing like
• 16:27
  Speaker 5: I don't, you know, pick up weights or do dishes
• 16:30
  Speaker 5: with it on, Like I try and.
• 16:31
  Speaker 2: Look after it.
• 16:32
  Speaker 5: But even so I've had it for like a month
• 16:34
  Speaker 5: at it looks trashed, which I just thought the chance
• 16:37
  Speaker 5: for was to let people know that because if you're
• 16:38
  Speaker 5: spending I was shocked at truly spending so much money.
• 16:41
  Speaker 5: So much money, I thought it would last longer, so
• 16:44
  Speaker 5: you to do it, And I mean, it probably is
• 16:45
  Speaker 5: going to last, but it just doesn't. It doesn't look
• 16:48
  Speaker 5: as nice as it could. And I think that that's
• 16:52
  Speaker 5: it's an important consideration. And like Jess and I think
• 16:55
  Speaker 5: we're on the same page here.
• 16:56
  Speaker 2: We upgraded to the Aura, and like that was something
• 16:58
  Speaker 2: that I was like, oh my god, if I could
• 16:59
  Speaker 2: get that for Christmas, like that would be elite. I
• 17:02
  Speaker 2: really wanted to track my temperature because of fertility. Okay,
• 17:06
  Speaker 2: so you can use it, Yeah, you can use it
• 17:08
  Speaker 2: to track your period and use it as in my
• 17:11
  Speaker 2: case at some point I want to get pregnant again,
• 17:13
  Speaker 2: and like that's a really helpful tool to have. But
• 17:16
  Speaker 2: if you don't care about that stuff. I can't see like,
• 17:19
  Speaker 2: and the analytics are obviously deeper on aura, but like, honestly,
• 17:24
  Speaker 2: the Duke, you know when you just like, is it
• 17:26
  Speaker 2: worth It depends on where your values are at, really,
• 17:29
  Speaker 2: but like try the Duke first and then maybe upgrade
• 17:33
  Speaker 2: if you're like, oh I do love this or whatever.
• 17:35
  Speaker 4: It just feels like such a war that sucks that
• 17:39
  Speaker 4: you're like, it's.
• 17:40
  Speaker 2: Even more exciting if you're testing. You win one for free.
• 17:42
  Speaker 2: Oh my god, gym to give away.
• 17:46
  Speaker 4: It's a great pres Wow.
• 17:49
  Speaker 5: Next, I've got a money in from Color, who said
• 17:51
  Speaker 5: she's returned back to work after taking some time off
• 17:54
  Speaker 5: for her cancer treatment. She's managed to pay all of
• 17:56
  Speaker 5: her beginning of the year bills with her very first paycheck,
• 17:59
  Speaker 5: which is a massive win for her because obviously things
• 18:01
  Speaker 5: are getting a bit stressful with not working.
• 18:04
  Speaker 2: Just like, Carl, I hope you're doing well where yes,
• 18:08
  Speaker 2: can you update us, like, are you're okay? I know
• 18:11
  Speaker 2: that you had your treatment and you're back at work,
• 18:13
  Speaker 2: but like you're doing right? Yeah, looking after you and
• 18:17
  Speaker 2: making sure one hundred percent. And then also side note,
• 18:20
  Speaker 2: sorry financial advisor comes out in my brain. I don't
• 18:23
  Speaker 2: know if you have any insurances inside your superannuation. But
• 18:26
  Speaker 2: if you do have like inside your super couple of insurances,
• 18:30
  Speaker 2: check if you were able to claim on them. So
• 18:32
  Speaker 2: I think a lot of people have this misconception when
• 18:34
  Speaker 2: it comes to like life and income protection and stuff,
• 18:37
  Speaker 2: that you can't claim on it unless you die, and
• 18:41
  Speaker 2: you might actually be able to do what's called a
• 18:43
  Speaker 2: partial draw down, which is where you can claim on
• 18:45
  Speaker 2: your insurance for having a significant health event. So like check,
• 18:50
  Speaker 2: just check, and it might be no, and then like, Okay,
• 18:52
  Speaker 2: no worries. You haven't missed out on anything, but you
• 18:55
  Speaker 2: might be missing out on some cash if you haven't checked.
• 18:59
  Speaker 2: So sorry, financial advisor comes out.
• 19:02
  Speaker 5: I'm sorry. Next, Tiven money went from Emily, who said
• 19:05
  Speaker 5: her husband went to Vinnie's and she got a pair
• 19:07
  Speaker 5: of brand new ugs that were priced at fifteen bucks.
• 19:10
  Speaker 5: What they had ten dollars on their loyalty card, so
• 19:13
  Speaker 5: he got them for five dollars.
• 19:15
  Speaker 2: Than Kmart's, and Kmart's ones aren't even like real. Shirling, Yeah, shurling, shurling,
• 19:21
  Speaker 2: that's crazy. That's like the sheep skin word.
• 19:25
  Speaker 7: That's what that is.
• 19:26
  Speaker 2: Shirley, that's cooler. You know that yeah, thanks essentially girl.
• 19:30
  Speaker 2: Oh she used to wear track pants, ugg boots and
• 19:33
  Speaker 2: a singlet.
• 19:35
  Speaker 5: And then lastly this week I'm gonna money been from
• 19:37
  Speaker 5: Ashley who said money win seven dollars a kilo for
• 19:40
  Speaker 5: Cherry Hill cherries at Colds. Oh that's a gorgeous I
• 19:43
  Speaker 5: will be stopping at Colds on my way home.
• 19:45
  Speaker 2: I love cherries. Do you know what I really want
• 19:48
  Speaker 2: to make?
• 19:48
  Speaker 4: Side?
• 19:48
  Speaker 2: Though I've never had cherry pie? Oh I love that song. Yeah,
• 19:53
  Speaker 2: but like I want to try cherry pie. So I
• 19:55
  Speaker 2: feel like I'm going to get some cherries that make
• 19:57
  Speaker 2: like a from scratch.
• 19:59
  Speaker 4: Yeah. Well today I feel like it's the day for it.
• 20:02
  Speaker 7: Something.
• 20:02
  Speaker 4: There's something sexy about cherry pie.
• 20:04
  Speaker 2: Yeah, no, I like it all right, Beck, I need
• 20:06
  Speaker 2: to know what are your broke tips for people who
• 20:09
  Speaker 2: are actually broke?
• 20:10
  Speaker 4: Yes, makes you feel broken?
• 20:12
  Speaker 2: I feel like crazy?
• 20:14
  Speaker 4: I must I must be missing a reference.
• 20:15
  Speaker 2: You are missing a massive reference. I'll fill you in
• 20:18
  Speaker 2: after the Yeah. Because there's a difference, Beck, I don't
• 20:22
  Speaker 2: know if you know this, but there is actually a
• 20:23
  Speaker 2: massive difference between feeling broke and actually being broke.
• 20:28
  Speaker 4: Oh my god.
• 20:29
  Speaker 2: Right, And like if people say they're broke online but
• 20:33
  Speaker 2: they're not. They just feel broke a little bit offensive.
• 20:37
  Speaker 2: Oh who are actually broke?
• 20:38
  Speaker 1: Right?
• 20:39
  Speaker 4: It's like I get it, I get that feeling, but
• 20:42
  Speaker 4: also it's not fully the same. I think maybe poor
• 20:46
  Speaker 4: and broke because it is if you like, have your
• 20:48
  Speaker 4: have your savings and you are fine, you're asking, but
• 20:51
  Speaker 4: if you've got savings, you're not broke, you're not broke,
• 20:53
  Speaker 4: but you're still like, oh, I'm I'm have some extra
• 20:56
  Speaker 4: cash to spend probably the way and you've spoken about
• 20:59
  Speaker 4: this before, Oh yeah, as somebody who you know has
• 21:02
  Speaker 4: very openly and we are very grateful for your generosity
• 21:05
  Speaker 4: in terms of you being so open. But you're like,
• 21:08
  Speaker 4: it does make me feel like trash when someone's talking
• 21:10
  Speaker 4: about like, oh, I'm so broke when you literally are,
• 21:13
  Speaker 4: but you know they have savings. Like it does scare me,
• 21:16
  Speaker 4: you know, when like someone's like scared about something and
• 21:18
  Speaker 4: you're like, oh my god, I feel exactly the same
• 21:20
  Speaker 4: as you because we're in the exact same boat. And
• 21:22
  Speaker 4: they're like, I'm scared, but here's my safety in net
• 21:24
  Speaker 4: and you're like, WHOA, Okay, I don't actually have a
• 21:26
  Speaker 4: safe in net. I should be way scared than you.
• 21:29
  Speaker 4: And I didn't realize that until you said that. That's
• 21:33
  Speaker 4: the kind of feeling. It's like I'm panicked now all
• 21:34
  Speaker 4: of a sudden.
• 21:35
  Speaker 2: Yeah, and that's not a situation anyone should be in.
• 21:38
  Speaker 2: True anyway, any move on from that and I will
• 21:41
  Speaker 2: explain the tea that.
• 21:43
  Speaker 4: Wo oh my god, I'm so excited. So this first
• 21:45
  Speaker 4: one comes from Sophie, who must know me a little
• 21:48
  Speaker 4: bit too well because I mentioned a few would have
• 21:51
  Speaker 4: been a few months ago. I reckon like this gaming
• 21:54
  Speaker 4: app that sounds dodgy, but it's like thing. It's called
• 21:56
  Speaker 4: free Cash or something. You download apps, you play games,
• 21:59
  Speaker 4: you get money. He's legitimate because you have to watch
• 22:02
  Speaker 4: all the ads and stuff it is. Yeah, you do
• 22:03
  Speaker 4: have to watch as you don't to spend money. You
• 22:05
  Speaker 4: don't have to spend a cent. I've made like seven
• 22:07
  Speaker 4: bucks in a few months, but Sophie.
• 22:09
  Speaker 2: Seven dollars in a few months I didn't have before.
• 22:14
  Speaker 4: And it is fun.
• 22:15
  Speaker 2: No judgment, fun, thank you, no judgment. Because I play
• 22:18
  Speaker 2: candy Crush and I don't make it exactly.
• 22:20
  Speaker 4: But imagine you're useless game totally. Imagine you're just like
• 22:23
  Speaker 4: in a scroll whol for hours and you're like, oh man,
• 22:25
  Speaker 4: this is so dumb. But then you're like, wait, I
• 22:27
  Speaker 4: probably made forty cents today to take.
• 22:30
  Speaker 2: Money playing would Q puzzle. I'd be I was earning
• 22:34
  Speaker 2: money from watching tiktoks. I would be wealthy, and there was.
• 22:38
  Speaker 4: Probably a way to do that.
• 22:40
  Speaker 2: There's no figure it out.
• 22:41
  Speaker 4: We'll figure it out. So Sophie said that shop Back
• 22:44
  Speaker 4: actually have games on there. Sorry what Yeah, And so
• 22:47
  Speaker 4: Sophie made fifty bucks. I haven't like, fully, Sophie fifty dollars?
• 22:51
  Speaker 4: I know, isn't it so good looking into this? Yeah?
• 22:55
  Speaker 4: That that that would have taken me like a year
• 22:56
  Speaker 4: to make.
• 22:57
  Speaker 2: So this is really in your gaming app. You need
• 22:59
  Speaker 2: to I don't need free game anymore. I need shot
• 23:02
  Speaker 2: Back shot back game. So I'm going to be checking that.
• 23:04
  Speaker 4: I just wanted to let everyone know please check shot
• 23:05
  Speaker 4: back games.
• 23:06
  Speaker 2: Okay.
• 23:06
  Speaker 4: And then the next one comes from Amrita, who says,
• 23:09
  Speaker 4: if you check your spam, make sure there's definitely difference
• 23:13
  Speaker 4: between spam and scam. I noticed this the other day too.
• 23:17
  Speaker 4: Obviously you get your like all the promotional stuff in
• 23:19
  Speaker 4: your junk inbox. But and Marita said that she found
• 23:23
  Speaker 4: an email from my car auto you know, the kmart
• 23:26
  Speaker 4: offering her one hundred dollars off and seventeen cents Oh
• 23:29
  Speaker 4: did you Yeah, seventeen cents off petrol at Coal's Express.
• 23:34
  Speaker 2: And that's not seventeen cents off is it's so good.
• 23:38
  Speaker 4: And I believe it's seventeen cents off petrol is for
• 23:42
  Speaker 4: like eight weeks, like two months or something, which is
• 23:43
  Speaker 4: like a big chunk of time. So that's why I
• 23:47
  Speaker 4: know it's a dumb break tip because I'm like, I'm
• 23:48
  Speaker 4: telling you to check your spam, but.
• 23:50
  Speaker 5: Don't forget my car points lover coming in my car.
• 23:53
  Speaker 5: You can get FLYBYCE points when you do your services there.
• 23:56
  Speaker 5: I didn't know that your tires and stuff and they
• 23:58
  Speaker 5: I don't know if it's all services, but I know
• 24:00
  Speaker 5: with my last but maybe it's a deal that they run.
• 24:02
  Speaker 2: But look into it.
• 24:03
  Speaker 5: I got a year of free roadside assistance with my sermon.
• 24:06
  Speaker 4: Yes, I always get one of those.
• 24:07
  Speaker 5: Yes, So don't like, don't pay for roadsid assistance, just
• 24:09
  Speaker 5: totally do you know what I mean?
• 24:10
  Speaker 2: Double stack it?
• 24:11
  Speaker 4: Oh my god, double stack it. God, You're so smart,
• 24:14
  Speaker 4: You're so smart with your words. And then this next
• 24:16
  Speaker 4: one comes from myself. Obviously it's Valentine's Day and my
• 24:21
  Speaker 4: pacycle falls on the fifteenth, and so oh no, I know.
• 24:24
  Speaker 4: So I'm like, well, all this and also mine just
• 24:27
  Speaker 4: as anniversaries on the seventh of February, so it's seventh
• 24:29
  Speaker 4: of February, fourteenth of February. I'm like, I ain't got
• 24:32
  Speaker 4: any money left. That's savings, that's everything. I've got no
• 24:34
  Speaker 4: money left for arguably one of the biggest times of
• 24:38
  Speaker 4: the entire year for me and my partner. So I
• 24:42
  Speaker 4: decided to take up a few different hobbies that were
• 24:45
  Speaker 4: really really cheap. So crocheted a big love heart pillow.
• 24:50
  Speaker 2: Why the sweet.
• 24:53
  Speaker 4: That's very sweet, But I just want you guys to
• 24:55
  Speaker 4: know that it literally costs, like I think I was
• 24:58
  Speaker 4: thirteen dollars in total. That's the stuff, that's the yard,
• 25:01
  Speaker 4: that's the crochet needle. But you actually use my finger
• 25:04
  Speaker 4: because it was so thick.
• 25:05
  Speaker 2: You crocheted with your fingers. Yeah, my finger was so
• 25:08
  Speaker 2: you're a crochet with your fingers and I'm an ally.
• 25:10
  Speaker 4: Yes, yeah, no, gorgeous.
• 25:13
  Speaker 2: Imagine the power. We have so much power.
• 25:18
  Speaker 4: So that was, honestly, yeah, because the croshet neodle was
• 25:22
  Speaker 4: not actually needed. I used my finger instead. That was
• 25:25
  Speaker 4: probably eight dollars in total.
• 25:27
  Speaker 3: And that's a.
• 25:27
  Speaker 4: Gorgeous gift you straight with a bit of your perfume.
• 25:29
  Speaker 4: Gorgeous and you're so sweet.
• 25:33
  Speaker 2: Can you imagine in the rip out party?
• 25:36
  Speaker 5: Absolutely not, absolutely not, like I'm leaving vicariously through you.
• 25:42
  Speaker 4: That's so cute. Well suggestions if you got The next
• 25:47
  Speaker 4: one is actually I also took up pottery and literally
• 25:50
  Speaker 4: with like the firing and all this, like legitimate pottery.
• 25:53
  Speaker 2: I saw on your instagram your pottery creations. They were
• 25:57
  Speaker 2: so cute. Yes, thank you.
• 25:58
  Speaker 4: So I have, you know, a match box which I'll
• 26:01
  Speaker 4: share online, matchbox ceramic that is usable. I'm trying to
• 26:05
  Speaker 4: figure functional is the way I'm thinking of. And then
• 26:08
  Speaker 4: obviously all these other little trinkets and things like that,
• 26:10
  Speaker 4: and the whole so cute. The whole thing was like
• 26:13
  Speaker 4: the fifteen dollars for ten killers of clay, which is gigantic.
• 26:16
  Speaker 4: It's gonna last for the rest of my life. And
• 26:17
  Speaker 4: then to actually get everything fired is like, I don't know,
• 26:20
  Speaker 4: it's ten dollars a kilo or something.
• 26:21
  Speaker 2: When you say to get everything fired, oh sorry, you
• 26:24
  Speaker 2: take it somewhere and you just get it fired, like
• 26:27
  Speaker 2: is there like a clay shop.
• 26:29
  Speaker 4: Yes, well this didn't make any sense to me before
• 26:31
  Speaker 4: I did this, but my my friend actually told me,
• 26:33
  Speaker 4: so you have to go to a pottery. I go
• 26:36
  Speaker 4: to Northot Pottery, which is actually not in Northgate's in
• 26:38
  Speaker 4: Brunswick East. They're just Google pottery supplies near you fire
• 26:44
  Speaker 4: things for you. They also fire things and so you.
• 26:46
  Speaker 4: Firstly I had no idea. Yes, and so my friend
• 26:50
  Speaker 4: I get that was a hobby that was out of reach.
• 26:52
  Speaker 4: Oh my god, totally I thought the same thing. But
• 26:54
  Speaker 4: I would recommend stoneware clay. It's easier for beginners to like,
• 26:58
  Speaker 4: it's malleable whatever. So you go in and then you
• 27:01
  Speaker 4: do one firing. You glaze it, you paint it, You
• 27:05
  Speaker 4: paint it, you glaze it, you fire again. That's it,
• 27:08
  Speaker 4: which sounds very You are.
• 27:10
  Speaker 2: So creative and tell people will have partners that I'll
• 27:14
  Speaker 2: like tonight. They're going to be like I thought about
• 27:17
  Speaker 2: getting you flowers. I thought about taking you out for dinner.
• 27:22
  Speaker 2: I thought about thoughts dump him.
• 27:25
  Speaker 4: No, thoughts aren't paying the bills.
• 27:27
  Speaker 2: If you guys could see beck, Yes, what's just wearing today?
• 27:34
  Speaker 4: Well this is really it was quite a festive jumper.
• 27:38
  Speaker 2: It's pink and red.
• 27:39
  Speaker 4: It's pink and red. It's beautiful, it's romantic, and if
• 27:43
  Speaker 4: I squint my eyes a little bit and look a
• 27:44
  Speaker 4: bit closer, it actually reads dump him. And so I
• 27:48
  Speaker 4: think it's like, maybe it's on brand for today in
• 27:52
  Speaker 4: big red, big red writing letters it says dump him.
• 27:58
  Speaker 4: So I think it's a reminder to anyone out there,
• 28:00
  Speaker 4: whether you're doing a he or her, if they're not
• 28:02
  Speaker 4: putting in the effort, then friends are the best alternative
• 28:08
  Speaker 4: to and the best everything. But you don't need a partner.
• 28:11
  Speaker 4: And if they're not putting effort, go to your friends
• 28:13
  Speaker 4: and have a nice Galanine's day.
• 28:15
  Speaker 2: Not hand sculpting you Clay, Yes.
• 28:17
  Speaker 4: Is that exactly exactly?
• 28:23
  Speaker 2: Someone is going to have to let this man in
• 28:25
  Speaker 2: on the secret I'll him off.
• 28:27
  Speaker 5: Well, I love that.
• 28:28
  Speaker 2: I feel like that is very wholesome. Let's go to
• 28:31
  Speaker 2: a really quick break. On the flip side, we are
• 28:33
  Speaker 2: going to be having a chat about not being fairly
• 28:36
  Speaker 2: compensated at work, which is going to be hard and
• 28:38
  Speaker 2: something you slid into our d MS about this week.
• 28:41
  Speaker 2: We're talking what to do when you and your partner
• 28:43
  Speaker 2: aren't aligned on your joint goals not on Valentine's Day.
• 28:48
  Speaker 4: A savage.
• 28:54
  Speaker 5: Welcome back everybody. Let's take a listen to this week's
• 28:56
  Speaker 5: money dilemma.
• 29:00
  Speaker 6: Hi.
• 29:00
  Speaker 2: There, have you got a money dilemma you just can't
• 29:03
  Speaker 2: solve that. She's on the Money Team is here to help.
• 29:06
  Speaker 2: Every week we tackle your dilemmas, both big and small,
• 29:09
  Speaker 2: to answer your most burning money, career and life questions.
• 29:12
  Speaker 2: To get involved, simply head to our website and leave
• 29:15
  Speaker 2: us a short voice recording and you might just find
• 29:17
  Speaker 2: yourself on the show. Now, let's take a listen to
• 29:20
  Speaker 2: this week's money dilemma.
• 29:24
  Speaker 7: Hi, my issue is about pay rises and job title change.
• 29:29
  Speaker 7: So I work as a product developer for a medium
• 29:31
  Speaker 7: sized fashion brand and our product team consists of my
• 29:34
  Speaker 7: manager who's the head of product, another product developer, and
• 29:37
  Speaker 7: a print coordinator. We used to have a fashion designer.
• 29:39
  Speaker 7: As of that they've fired her. During our either review,
• 29:43
  Speaker 7: we was discussed that we were understaffed and overworked, so
• 29:45
  Speaker 7: we'll be hiring someone new to help us out. Shortly after,
• 29:49
  Speaker 7: the other product developer announced she was pregnant, so our
• 29:52
  Speaker 7: new hire was going to turn into a maternity lived
• 29:54
  Speaker 7: cover due to personal reasons my manager has moved away
• 29:58
  Speaker 7: for six months and we'll be working remotely print corner
• 30:00
  Speaker 7: it has just quit. But don't live in a major city,
• 30:02
  Speaker 7: so it's hard to find someone with the right experience.
• 30:05
  Speaker 7: And now my manager's not in town, she won't be
• 30:07
  Speaker 7: able to train someone new. So what was the team
• 30:09
  Speaker 7: of five has now become a team of two who
• 30:12
  Speaker 7: is just me and my boss who was working remotely.
• 30:15
  Speaker 7: I've now been tasked with handling print work, fashion design,
• 30:18
  Speaker 7: and product development. Last year, we had three full time
• 30:21
  Speaker 7: staff members for these roles, and now it's just me.
• 30:23
  Speaker 7: This is casually mentioned to me in a group setting
• 30:26
  Speaker 7: for framed as an opportunity for me to grow. Last year,
• 30:29
  Speaker 7: I did ask for a pay rise and I was
• 30:31
  Speaker 7: told that growth isn't linear and that my role depends
• 30:34
  Speaker 7: on experience over time. As I don't have KPIs. I
• 30:37
  Speaker 7: suspect asking for another pay rise will mean she'll just
• 30:41
  Speaker 7: say that it's temporary for the next six months and
• 30:44
  Speaker 7: once the other developer comes back, the role will change again.
• 30:48
  Speaker 7: Help me, please, I can send you more in for
• 30:50
  Speaker 7: mo gay.
• 30:53
  Speaker 4: I Did you say mo gay?
• 30:55
  Speaker 2: I said okay, okay, mogay does doesn't make sense like
• 31:01
  Speaker 2: even problems.
• 31:07
  Speaker 4: This sounds really that this this is so annoying. One
• 31:10
  Speaker 4: of my biggest pet peas. Maybe it's not identical to
• 31:12
  Speaker 4: what our listener is talking about, but when companies, either
• 31:17
  Speaker 4: strategically or accidentally or whatever, make the team a little
• 31:22
  Speaker 4: bit less and less, like every year, just subtly and
• 31:24
  Speaker 4: like give each person, pre existing person more responsibilities until
• 31:29
  Speaker 4: they have so little people in their team that they
• 31:32
  Speaker 4: don't have to pay that much. But everyone they're still
• 31:34
  Speaker 4: doing all the work.
• 31:35
  Speaker 5: That's what I'm trying to say.
• 31:35
  Speaker 4: And that's that annoys me. But I don't have any
• 31:38
  Speaker 4: advice that Victoria could give.
• 31:41
  Speaker 2: What about advice that you would give.
• 31:43
  Speaker 4: I would find a whole different place to work, I
• 31:50
  Speaker 4: would start. Yeah, I would be leaving there as soon
• 31:55
  Speaker 4: as possible.
• 31:55
  Speaker 2: So Beg's over and out.
• 31:57
  Speaker 1: Yeah I am.
• 31:58
  Speaker 4: And I think I just we're not just numbers, were
• 32:00
  Speaker 4: not money makers. We're just where like they't haven't seen
• 32:04
  Speaker 4: that already been there, they haven't like kind of been like,
• 32:07
  Speaker 4: oh wow, we're really putting a lot of pressure on
• 32:09
  Speaker 4: our team already.
• 32:10
  Speaker 3: Then I.
• 32:12
  Speaker 4: I just think you should leave. I just think you
• 32:13
  Speaker 4: need the stuff from scratch, you need to get out
• 32:15
  Speaker 4: of their asap and maybe that's bad advice.
• 32:18
  Speaker 2: No, that's not bad advice. It's advice from a friend.
• 32:21
  Speaker 2: That's true, the advice from a friend, your friend.
• 32:24
  Speaker 4: I'm your friend exactly, but it could be redeemable. Mmm, Jess,
• 32:28
  Speaker 4: what are your thoughts. Well, you said that it's your
• 32:31
  Speaker 4: Severie has said that it's based on the breadth of
• 32:33
  Speaker 4: your role rather than role.
• 32:35
  Speaker 2: She was going to go down.
• 32:38
  Speaker 5: Oh that's great to year because the breadth of my
• 32:41
  Speaker 5: role has expanded to include three other people's jobs. So
• 32:44
  Speaker 5: by your definition, I should be earning all of their salaries.
• 32:48
  Speaker 2: God is so embarrassing. Sorry, carry on.
• 32:53
  Speaker 5: Just obviously they're not going to do that. But I
• 32:56
  Speaker 5: would argue that you're in quite a position of power
• 32:58
  Speaker 5: like they have lost. Oh yeah, you are in a
• 33:01
  Speaker 5: massive position effect. You probably don't feel that way right now,
• 33:04
  Speaker 5: but you are, my friend. They've lost every staff member
• 33:07
  Speaker 5: but one who is remote.
• 33:08
  Speaker 2: You'rely and it's your manager.
• 33:10
  Speaker 5: It's your manager. You're the only one holding down the fort.
• 33:13
  Speaker 5: You've just told me it's very difficult to hire into
• 33:16
  Speaker 5: your job. Everything that you have just said says to
• 33:19
  Speaker 5: me that they can't afford to lose you.
• 33:22
  Speaker 2: Like, do you know what I mean.
• 33:23
  Speaker 5: And obviously, if you're not being looked after, as Beck said,
• 33:25
  Speaker 5: get the hell out of there. But I would be
• 33:27
  Speaker 5: sitting down with your manager and saying, hey, I'm doing
• 33:29
  Speaker 5: the jobs of three people. You haven't replaced any of them.
• 33:33
  Speaker 5: I've taken on all of their workload, or we've split
• 33:35
  Speaker 5: it between myself and my manager. However it's worked, list
• 33:38
  Speaker 5: out all the things that you're doing that you weren't
• 33:40
  Speaker 5: doing before and say hey, like, either you compensate me
• 33:43
  Speaker 5: for this, I just can't do it actually, yeah, or
• 33:47
  Speaker 5: I'm getting out of here. Yeah, those are your options.
• 33:50
  Speaker 4: Yeah, it's so good.
• 33:51
  Speaker 2: It's an interesting conversation to have because I think a
• 33:54
  Speaker 2: lot of us go oh, it can be absorbed and
• 33:56
  Speaker 2: you go, yeah, of course. And I mean in our team, happen.
• 34:00
  Speaker 2: We're a tiny team, so you know, if someone leaves
• 34:03
  Speaker 2: or if you know, let's a good example, someone's on holiday,
• 34:06
  Speaker 2: I'll be like, hey, Jess, can you help out for X,
• 34:09
  Speaker 2: Y Z. And I feel like that's very different. No, no, no,
• 34:12
  Speaker 2: it is very different. But like you'll shift around what
• 34:15
  Speaker 2: you're doing and put a few things off so that
• 34:17
  Speaker 2: in your thirty eight hours of work a week, like
• 34:19
  Speaker 2: you can accommodate a few extra tasks, but if I said,
• 34:23
  Speaker 2: can you please take on Brooklyn George's roles, your current
• 34:27
  Speaker 2: role needs to step back as well, because you're telling
• 34:30
  Speaker 2: me that there's going to be more capabilities that I
• 34:33
  Speaker 2: need to fulfill each and every single week. But at
• 34:36
  Speaker 2: the end of the day, you're actually only paying me
• 34:38
  Speaker 2: for thirty eight hours a week, like you are paying
• 34:40
  Speaker 2: me to be present for those hours. So I would
• 34:44
  Speaker 2: be sitting down and going okay, cool, like I do
• 34:47
  Speaker 2: all of these things, and you've just given me a
• 34:48
  Speaker 2: list of other things you want me to do. Which
• 34:51
  Speaker 2: ones are going to take a cut? Like which ones
• 34:53
  Speaker 2: am I not doing?
• 34:54
  Speaker 4: So like I do?
• 34:56
  Speaker 2: And you might want to break down the role because
• 34:57
  Speaker 2: like they can't really argue with this. You want me
• 35:00
  Speaker 2: to break down the role into okay, well, you know, don't.
• 35:03
  Speaker 2: I don't really know what you do because I know
• 35:06
  Speaker 2: you developer, but I don't know what this means. When
• 35:11
  Speaker 2: you said print coordinator, I was like, I don't know
• 35:13
  Speaker 2: what a print coordinator is, but they must be important
• 35:16
  Speaker 2: because you've said you've lost them, so you had five
• 35:20
  Speaker 2: people and you do not have the capacity to do
• 35:23
  Speaker 2: all of those roles. So I would be sitting down
• 35:26
  Speaker 2: and going okay, cool, Like, I do my job for
• 35:28
  Speaker 2: thirty eight hours a week. Did you want me to
• 35:29
  Speaker 2: like allocate fridays to doing parts of her job?
• 35:33
  Speaker 1: Oh?
• 35:33
  Speaker 2: Yes, no, maybe, no, no, no, we're hoping you can
• 35:35
  Speaker 2: do it on top of that. Okay, Well, one, when
• 35:38
  Speaker 2: am I finding the time? Because that's actually really unreasonable
• 35:41
  Speaker 2: to expect. But two, no worries. Back to what Jess
• 35:45
  Speaker 2: was saying. You said, growth isn't linear. It's going to
• 35:47
  Speaker 2: be based on you know, what I take on, And
• 35:49
  Speaker 2: that's fine. So if I'm taking this on for this
• 35:51
  Speaker 2: period of time, I do actually expect to be compensated.
• 35:56
  Speaker 2: And I know that our listener wrote in or voice
• 36:00
  Speaker 2: it in and said, you know, maybe I would revert
• 36:04
  Speaker 2: back to the original salary, Like and let's pretend you
• 36:07
  Speaker 2: really want to stay in this job and it's not
• 36:09
  Speaker 2: about leaving and finding somewhere that values you. Maybe that
• 36:13
  Speaker 2: actually never happens, like because after six months, let's pretend
• 36:17
  Speaker 2: that Maternity Live Cover comes back and you know, other
• 36:19
  Speaker 2: people are on the team and they go, oh, we're
• 36:22
  Speaker 2: going to put you back to your other salary. I
• 36:24
  Speaker 2: would go, Okay, great, noise who's taking those jobs off me?
• 36:28
  Speaker 2: Because I can almost guarantee they won't take the jobs
• 36:31
  Speaker 2: off you, and at that point they can't revert your
• 36:33
  Speaker 2: payback because you'll be like, cool, So are you saying
• 36:35
  Speaker 2: that you now want to pay me less to do
• 36:37
  Speaker 2: the same job, or are you actually going to be
• 36:39
  Speaker 2: taking that off me? Because if you're going to be
• 36:40
  Speaker 2: taking that off me, great, And I'm not going to
• 36:43
  Speaker 2: beat around the bush here. You don't need to be
• 36:45
  Speaker 2: paid for the two people's roles if you're not doing
• 36:48
  Speaker 2: the two people's roles. But I can almost guarantee that
• 36:50
  Speaker 2: if you've taken this on and proven to them that
• 36:52
  Speaker 2: you do it, and you're doing it really well, this
• 36:55
  Speaker 2: sounds like a company that's probably not going to hire
• 36:57
  Speaker 2: if they don't need to. If you're proving capable and
• 37:01
  Speaker 2: confident in that role. We're not talking about burnout or
• 37:04
  Speaker 2: we're not like you need to take all those things
• 37:06
  Speaker 2: into consideration. But the likelihood of them actually dropping your
• 37:09
  Speaker 2: salary back to what it was before would mean that
• 37:12
  Speaker 2: they would have to sit down and talk to you
• 37:14
  Speaker 2: about the fact that they're taking capabilities off you. Because
• 37:17
  Speaker 2: if they said, oh, Beck, it's been six months, we've
• 37:19
  Speaker 2: hired this person, you go, cool, how's my job changed?
• 37:23
  Speaker 2: Embarrassing for them?
• 37:25
  Speaker 4: True?
• 37:26
  Speaker 2: So also you mentioned that you don't have KPIs. Not
• 37:29
  Speaker 2: every business has KPIs. We don't. She's on the money,
• 37:33
  Speaker 2: we don't have KPIs, like just doesn't have any. But
• 37:36
  Speaker 2: that doesn't limit her. So what that says to me
• 37:41
  Speaker 2: is that the business is using their lack of framework
• 37:45
  Speaker 2: to not support you in your growth. I would be
• 37:49
  Speaker 2: asking for KPIs and even.
• 37:51
  Speaker 5: Just chalking up what you do because you're totally right, like,
• 37:53
  Speaker 5: I don't have set KPIs that I work towards. Have
• 37:55
  Speaker 5: you said to me, what have you done? You know
• 37:56
  Speaker 5: in the last yar, Oh, I know what you've done.
• 38:01
  Speaker 5: It's so I can think of ten things off the
• 38:03
  Speaker 5: top of my head that I would go, oh, I've
• 38:04
  Speaker 5: done this and that, Like, I'm sure in whatever job
• 38:07
  Speaker 5: you do, it would be the same yep. And if
• 38:09
  Speaker 5: you're not sure what that looks like, maybe look at
• 38:11
  Speaker 5: other job descriptions or roll descriptions for your job and
• 38:14
  Speaker 5: look at what the kind of key markers are within
• 38:17
  Speaker 5: the industry as well exactly and go, oh, like that's
• 38:19
  Speaker 5: what I can benchmark myself against because even if there
• 38:21
  Speaker 5: aren't KPIs in place, you will be delivering something absolutely
• 38:26
  Speaker 5: a small team, Like I find that the smaller the team,
• 38:31
  Speaker 5: the harder.
• 38:31
  Speaker 2: It is to just float along as well. So we're
• 38:33
  Speaker 2: assuming that there would be a lot that you were doing.
• 38:35
  Speaker 2: But yeah, I would be asking for KPIs because they've
• 38:38
  Speaker 2: essentially said, hey, our business structure actually really limits your
• 38:41
  Speaker 2: growth and even your ability to understand what you've achieved.
• 38:45
  Speaker 4: Is what not?
• 38:45
  Speaker 2: You just said to me, And that's not cool. Like
• 38:48
  Speaker 2: I would never sit down with Jess and be like, well,
• 38:49
  Speaker 2: because you don't have KPIs, like what like for us,
• 38:54
  Speaker 2: it doesn't make sense. It's not in our culture to
• 38:56
  Speaker 2: have KPIs, Like I don't want, Like, that's just not
• 39:00
  Speaker 2: for me, and that's fine. Other businesses would be like,
• 39:02
  Speaker 2: we would absolutely fall over without our kPr and that's cool,
• 39:06
  Speaker 2: Like each to their own. But don't they use something
• 39:09
  Speaker 2: that you don't have in your business as an excuse
• 39:12
  Speaker 2: for not supporting your team. That's not fatal. I just
• 39:15
  Speaker 2: think it's a cop out for them to be like, oh,
• 39:17
  Speaker 2: we don't have KPIs, Like okay, cool. So how did
• 39:19
  Speaker 2: you write the job description for the now missing like
• 39:22
  Speaker 2: three people in our team, Like where's that come from?
• 39:25
  Speaker 2: Like how did you work out what their capabilities needed
• 39:28
  Speaker 2: to be? How do you know what I need to cover? Like,
• 39:30
  Speaker 2: there's just a lot to it. And I'm not saying
• 39:32
  Speaker 2: that what they're doing is right. It absolutely isn't. But
• 39:36
  Speaker 2: it also just sounds sketchy. You said something that told
• 39:40
  Speaker 2: me your business is toxic. You said about I think
• 39:45
  Speaker 2: it was a product developer. You said, but they fired her.
• 39:49
  Speaker 2: That tells me everything I need to know about the
• 39:51
  Speaker 2: culture of your business and the fact that you need
• 39:53
  Speaker 2: to get out whoa like But they fired her, like
• 39:57
  Speaker 2: as though like the tone of that was not you know, oh,
• 40:01
  Speaker 2: but they had to let her go. It wasn't oh,
• 40:03
  Speaker 2: but they fight like it was the tone And that's
• 40:05
  Speaker 2: so fine, Like I get it, But that's telling me
• 40:09
  Speaker 2: that management probably aren't that respectful. Yeah, because that's not
• 40:13
  Speaker 2: how people who have respectful management talk.
• 40:18
  Speaker 4: Such a great point.
• 40:19
  Speaker 2: Should we get into this week's Oh I can't wait,
• 40:22
  Speaker 2: I can't wait. Are you ready ready? Okay? Hey, she's
• 40:26
  Speaker 2: on the money queens. Hi, My partner and I want
• 40:29
  Speaker 2: to buy a home together this year. I have an
• 40:31
  Speaker 2: apartment I bought alone during COVID times that has equity
• 40:35
  Speaker 2: and have saved a substantial amount, made many sacrifices, don't
• 40:40
  Speaker 2: worry to have for another house deposit. They only have
• 40:43
  Speaker 2: a tenth of what I have saved, smaller salary than
• 40:46
  Speaker 2: me too, So it's not entirely their fault, but I'm
• 40:49
  Speaker 2: ready to go. I can't help but feel hurt and
• 40:52
  Speaker 2: dismayed that they're taking so long to catch up. I
• 40:56
  Speaker 2: realize it's not their fault, but I've been working tooth
• 40:59
  Speaker 2: and nail and feel like I'm more ambitious. What should
• 41:03
  Speaker 2: I do? Thanks? Guys? What would you do?
• 41:07
  Speaker 5: Oh?
• 41:07
  Speaker 4: I have anxiety in my belly. I know it happens
• 41:10
  Speaker 4: all the time. I'm sorry, guys, I just know, wiz
• 41:11
  Speaker 4: this is happening. But I get this whole conversation is
• 41:16
  Speaker 4: like scary and stressful. I first of all, the partner
• 41:19
  Speaker 4: doesn't have as much disposable income. Yeah, and so that
• 41:24
  Speaker 4: in itself is like, yeah, they're probably gonna take a
• 41:27
  Speaker 4: bit longer. But I do want to preface this whole
• 41:29
  Speaker 4: thing by saying, I know that our listener is not
• 41:32
  Speaker 4: by any means being cruel or harsh or anything. They
• 41:36
  Speaker 4: did say that they understand the situation. But the person
• 41:42
  Speaker 4: on the other end who might have been making as
• 41:44
  Speaker 4: much money probably already feels a little bit like, ah,
• 41:46
  Speaker 4: I'm kind of not contributing financially as much as I could.
• 41:51
  Speaker 4: You might feel bit inferior in that way. But at
• 41:53
  Speaker 4: the end of the day, let's all remember that everything
• 41:58
  Speaker 4: is completely made up. Money is made up. Like the
• 42:03
  Speaker 4: value of ourselves should be based on how we are
• 42:06
  Speaker 4: and how we treat people and how we and what's
• 42:09
  Speaker 4: like whatever values are and stuff like that, like that
• 42:11
  Speaker 4: that's actually what matters. But I can understand that now
• 42:13
  Speaker 4: I've kind of gotten to this point where how much
• 42:15
  Speaker 4: money you make can make you feel either really inferior
• 42:20
  Speaker 4: or really superior, which it should not. How much you save,
• 42:23
  Speaker 4: how the ability that you have to save, and none
• 42:26
  Speaker 4: of that should actually matter. But I can understand that's
• 42:28
  Speaker 4: not what's in question here. I'm just saying for the
• 42:30
  Speaker 4: person who's not saving as much might be feeling a
• 42:33
  Speaker 4: certain way, but it's really like some people I really
• 42:37
  Speaker 4: admire this, like they can really make themselves like not
• 42:41
  Speaker 4: want to get uber eries and not spend an extra
• 42:44
  Speaker 4: thirty cents to get soy milk and all these things
• 42:47
  Speaker 4: like they are so on to milk. Do I get
• 42:50
  Speaker 4: swy milk?
• 42:50
  Speaker 2: Do you get swy milk?
• 42:52
  Speaker 4: I get soy milk, And sometimes it's a dollar more.
• 42:56
  Speaker 2: I know I could tell you your coffee or what
• 42:58
  Speaker 2: It's fine. It's fine, you can.
• 43:02
  Speaker 4: But even sometimes I'm sitting on my couch, I'm like,
• 43:03
  Speaker 4: I really feel like a coke zero. I will literally
• 43:06
  Speaker 4: be breath.
• 43:06
  Speaker 1: I know.
• 43:09
  Speaker 2: I judgment, but like you are not uber eats in
• 43:12
  Speaker 2: coke zero.
• 43:14
  Speaker 5: Have a couple of bottles in your pantry, Bob.
• 43:17
  Speaker 4: Listen, you can't tell me I'm thirsty, don't have any
• 43:20
  Speaker 4: bottles in my pa, but I will be doing that
• 43:22
  Speaker 4: from now on.
• 43:23
  Speaker 2: Next time call me.
• 43:25
  Speaker 4: True, you'll drive to me and bring me.
• 43:30
  Speaker 2: Okay, that's it, that's it.
• 43:32
  Speaker 4: Yelling will make people sad, and maybe you want to
• 43:34
  Speaker 4: get breath.
• 43:36
  Speaker 2: I know where you live, Like, I literally know where
• 43:39
  Speaker 2: you live, and you are walking distance from getting yourself
• 43:42
  Speaker 2: a coke zereou get off the couch.
• 43:44
  Speaker 4: That's true, that's true. Okay, I'll message you next time.
• 43:47
  Speaker 2: Well, you live in a regional town that doesn't have access.
• 43:50
  Speaker 4: To go like no, we also wouldn't have breats, so
• 43:53
  Speaker 4: you just be I'll just be thirsty all night.
• 43:55
  Speaker 2: Oh no, it's almost like water doesn't exist.
• 43:59
  Speaker 4: Actually would be hard. But I'm saying even with someone
• 44:02
  Speaker 4: as someone who doesn't actually make that much money, and
• 44:05
  Speaker 4: I mean I make I make a decent amount, but
• 44:06
  Speaker 4: I don't have any savings, Like I shouldn't.
• 44:09
  Speaker 6: Be doing this.
• 44:09
  Speaker 4: It's still in those moments, I'm like, it's nothing. It's
• 44:12
  Speaker 4: not like I'm like battling in my mind. It's like
• 44:15
  Speaker 4: not even a thought for me.
• 44:16
  Speaker 5: I just can't.
• 44:17
  Speaker 4: I cannot possibly save in those moments. And so I
• 44:20
  Speaker 4: think people who can and always do and are very
• 44:23
  Speaker 4: consistent and very impressive, but some people just genuinely are
• 44:27
  Speaker 4: wired differently and that's not their fault. So I think
• 44:32
  Speaker 4: all those negative feelings of you know, they're valid, but
• 44:35
  Speaker 4: maybe try not to make or not not saying you are,
• 44:38
  Speaker 4: but maybe trying not to put, you know, kind of
• 44:40
  Speaker 4: like transfer that feeling to the person who is already
• 44:44
  Speaker 4: not keeping up. They're probably stressed.
• 44:47
  Speaker 2: Sure, there seems to be a gap between expectation versus reality,
• 44:52
  Speaker 2: Like your expectation might be up here, but like who
• 44:55
  Speaker 2: set those expectations? Was it you and your partner together?
• 44:59
  Speaker 2: Because like you know, buying a home is definitely like
• 45:02
  Speaker 2: you might both have that goal and that's great, and
• 45:05
  Speaker 2: you've set that like as a shared goal, we want
• 45:06
  Speaker 2: to purchase a property together, but like, what's the reality
• 45:10
  Speaker 2: of your financial circumstances and did you actually sit down
• 45:13
  Speaker 2: and agree to Okay, Like if you and your partner
• 45:16
  Speaker 2: beck sat down and said, oh, we want to buy
• 45:18
  Speaker 2: home together, like, there would be a lot of conversation around, well, okay,
• 45:24
  Speaker 2: what do we need to do to achieve that, and
• 45:27
  Speaker 2: what's valid and what's going to work or not? Because
• 45:30
  Speaker 2: you know, you spend money differently to other people and
• 45:33
  Speaker 2: I spend money differently to other people as well, and
• 45:35
  Speaker 2: we need to talk about you know, what are your habits,
• 45:37
  Speaker 2: what are the things that are going to happen, Like
• 45:39
  Speaker 2: what disposable income do you even have to save? And
• 45:41
  Speaker 2: if those conversations have been had and you know, your
• 45:44
  Speaker 2: partner was like, yeah, yeah, I'm saving this, I'm saving this,
• 45:46
  Speaker 2: and then you get to the end of it and
• 45:47
  Speaker 2: they just don't have it, that's a different story too.
• 45:51
  Speaker 1: Oh.
• 45:51
  Speaker 2: Actually I never had that conversation with my partner, and
• 45:55
  Speaker 2: I just expected that they would be as good as
• 45:57
  Speaker 2: me at saving Then oh, we need to reset that. Yeah,
• 46:02
  Speaker 2: just what are your thoughts?
• 46:03
  Speaker 5: Yeah, depending on what kind of conversation you had at
• 46:05
  Speaker 5: the start. The thing that our listener wrote in that
• 46:07
  Speaker 5: kind of flagged for me was you said that you've
• 46:10
  Speaker 5: made a lot of sacrifices to save your deposit, and
• 46:13
  Speaker 5: I think, like, obviously keeping into account the fact that
• 46:15
  Speaker 5: your disposable incomes vary, do you feel like your partner
• 46:19
  Speaker 5: is matching that energy, Like, are they also willing to
• 46:22
  Speaker 5: make sacrifices? That's what I would kind of base my
• 46:24
  Speaker 5: feelings on, like are we both like like, if I
• 46:27
  Speaker 5: earn double what you earn, you of course are not
• 46:29
  Speaker 5: going to be able to safe the same amount as me.
• 46:31
  Speaker 5: And that makes perfect sense. But if I am then
• 46:34
  Speaker 5: still foregoing the uber eats and foregoing all these things,
• 46:38
  Speaker 5: but you're still going out on the weekend and blowing
• 46:39
  Speaker 5: it with the boys or doing whatever, it says that
• 46:42
  Speaker 5: maybe our priorities are a little bit different, which is
• 46:44
  Speaker 5: not a bad thing, but again you kind of need
• 46:46
  Speaker 5: to get on the same page. I would look at,
• 46:49
  Speaker 5: can you afford you've got equity in a deposit ten
• 46:52
  Speaker 5: times the size of your partners? Can you just by
• 46:54
  Speaker 5: by yourself like ten times is a lot. It's like
• 47:00
  Speaker 5: you're saying, oh, my deposits ten times what yours is.
• 47:04
  Speaker 5: Maybe you have one hundred thousand and your partner has
• 47:05
  Speaker 5: ten thousand, or if you say fifty grand, they have
• 47:08
  Speaker 5: five grand, and it's like, well, that's actually significant. And
• 47:13
  Speaker 5: to me, if you had that amount, maybe they're not
• 47:16
  Speaker 5: ready to buy either because they might not have like
• 47:18
  Speaker 5: a good emergency fund. They might not be equipped for
• 47:21
  Speaker 5: that financial decision, which you clearly are. And that's absolutely fine,
• 47:26
  Speaker 5: but I would be looking into that, Jess. And I
• 47:27
  Speaker 5: mean it's not necessarily.
• 47:29
  Speaker 2: Your situation, but like you're buying on your own, and
• 47:32
  Speaker 2: like that's the plan, and you know, I don't think
• 47:35
  Speaker 2: that that's a bad thing. This listener has actually done
• 47:38
  Speaker 2: that before. They said that they have an apartment that
• 47:40
  Speaker 2: they've already purchased with equity, Like is that something you
• 47:43
  Speaker 2: want to do again? Or let's talk about timeframes. Why
• 47:48
  Speaker 2: are you in a situation where you're like, oh, I
• 47:50
  Speaker 2: really want to buy, I really want to buy, Like
• 47:52
  Speaker 2: you actually already own property. Do we need to wait
• 47:55
  Speaker 2: for your partner to like, you know, you're ready to
• 47:58
  Speaker 2: go fantastic but they might not be there yet. And
• 48:01
  Speaker 2: this might be like their first purchase that they really
• 48:03
  Speaker 2: want to share with you, and it should be exciting
• 48:06
  Speaker 2: as opposed to stressful, Like, yeah, where's the sense of
• 48:10
  Speaker 2: urgency around purchasing coming from right now? Because like, I
• 48:13
  Speaker 2: get it, I do the second you decide you want
• 48:15
  Speaker 2: property like you want it yesterday, I get it. But
• 48:20
  Speaker 2: where's that pressure coming from?
• 48:22
  Speaker 5: Can we talk about it and have you earn the
• 48:23
  Speaker 5: numbers to see that they can service the loan once
• 48:27
  Speaker 5: you get it?
• 48:27
  Speaker 2: Would be mad than because if you're saying, again, we.
• 48:29
  Speaker 5: Don't have exact figures, so you could be that they're
• 48:31
  Speaker 5: saving two urine like five thousand dollars a month, then
• 48:34
  Speaker 5: it's not a question of that. But you just remember
• 48:37
  Speaker 5: that once you get your deposit together and once you
• 48:39
  Speaker 5: make the purchase, you still have to pay your rent,
• 48:41
  Speaker 5: You still have to pay your rates, You still have
• 48:42
  Speaker 5: to pay all of those homeowner things.
• 48:44
  Speaker 2: If they're struggling to keep.
• 48:45
  Speaker 5: Up with you in terms of saving for the deposit,
• 48:48
  Speaker 5: chances are they're probably going to struggle keeping up with
• 48:50
  Speaker 5: you in terms of having the funds for those things too,
• 48:54
  Speaker 5: Like have you done the numbers? Are they capable? Is
• 48:56
  Speaker 5: that something they want to do? Like, can they only
• 48:58
  Speaker 5: do it if they completely sacrifice their lifestyle. Maybe that's
• 49:01
  Speaker 5: something they're not eager for. Yeah, Like, yes, you've got
• 49:03
  Speaker 5: to get on the same page ball and at the
• 49:06
  Speaker 5: end of it, if you find that it's just not
• 49:08
  Speaker 5: the right timing for the both of you, is it
• 49:10
  Speaker 5: something you can and or want to do alone? And
• 49:13
  Speaker 5: if not, maybe that's an avenue you can explore.
• 49:15
  Speaker 2: Yeahue, And even just the language used in that message,
• 49:19
  Speaker 2: like I just always break everything down so I try
• 49:22
  Speaker 2: and understand it. You said, but I've been working tooth
• 49:25
  Speaker 2: and nail and feel like I'm more ambitious. Like that
• 49:29
  Speaker 2: to me is a reflection of you maybe seeing their
• 49:32
  Speaker 2: worker thick and what they're doing. Like there's no way
• 49:35
  Speaker 2: like and this is maybe just personal preference, but like
• 49:37
  Speaker 2: there's no way in any dynamic where I would say,
• 49:41
  Speaker 2: oh my gosh, I've been working tooth and nail if
• 49:44
  Speaker 2: the other person wasn't lacking. If that makes sense, Like,
• 49:48
  Speaker 2: you know, Jess and I might be working on a
• 49:50
  Speaker 2: project together and I might go, I've been working tooth
• 49:53
  Speaker 2: and nail on this, and like the next thing would
• 49:56
  Speaker 2: be because I feel like Jess is letting me down,
• 49:58
  Speaker 2: because otherwise I'd say some of the wind project's not
• 50:01
  Speaker 2: doing someone's not doing their part, because otherwise I'd say
• 50:04
  Speaker 2: we've been slaving away at this together because you told
• 50:07
  Speaker 2: me it was a joint goal. But now you're saying
• 50:10
  Speaker 2: you think you're too ambitious, because yeah, I just feel
• 50:14
  Speaker 2: like you wouldn't say I think I'm too ambitious if
• 50:16
  Speaker 2: you felt like the other person wasn't lacking that trade.
• 50:19
  Speaker 4: Yeah, but also I do want to say if the
• 50:22
  Speaker 4: person is like ambition and money, there's no correlation.
• 50:26
  Speaker 2: No, I agree, And it's also so hard, like let's imagine,
• 50:30
  Speaker 2: you know, we spoke to them, or I spoke to
• 50:31
  Speaker 2: a money direst a couple of weeks ago and they
• 50:33
  Speaker 2: were like, yeah, my partner works in like as a
• 50:36
  Speaker 2: kindergarten educator and they don't make much money. Like you
• 50:40
  Speaker 2: think about these roles where someone might be working, you know,
• 50:44
  Speaker 2: part time, or they might even be working full time
• 50:47
  Speaker 2: and just not making enough to pay rent bills, this,
• 50:50
  Speaker 2: that the other, and save, and you might find that
• 50:53
  Speaker 2: the person who earns forty five thousand dollars a year
• 50:56
  Speaker 2: is actually a better money manager than someone who earns
• 50:59
  Speaker 2: two hundred thousand dollars a year because the person who
• 51:02
  Speaker 2: earns forty five thousand dollars to save it requires them
• 51:06
  Speaker 2: to go above and beyond with their budget and be
• 51:07
  Speaker 2: super frugal and like really savvy, and like the fact
• 51:10
  Speaker 2: is that they're even saving anything should be rewarded. Yeah,
• 51:13
  Speaker 2: But then someone on two hundred grand, they get to
• 51:16
  Speaker 2: sit back a little bit more comfy and be like,
• 51:18
  Speaker 2: savings are not that hard. It's like, yes, it is.
• 51:21
  Speaker 2: You're in a privileged position where that comes so much
• 51:25
  Speaker 2: easier to you, when in reality, if we looked at it,
• 51:28
  Speaker 2: the person who's earning forty five thousand dollars is a
• 51:30
  Speaker 2: better saver. Just because you've got more doesn't mean you're better.
• 51:34
  Speaker 2: So I just I think it's so important to break
• 51:37
  Speaker 2: it down and be like, well, what is even there,
• 51:39
  Speaker 2: Like do you understand their capacity to save? And once
• 51:42
  Speaker 2: you understand that, what are their values? Because my values
• 51:47
  Speaker 2: play out in my spending all the time and I
• 51:50
  Speaker 2: don't actually want that to change. Like if someone said
• 51:53
  Speaker 2: you have to cut absolutely everything to do X, Y
• 51:55
  Speaker 2: and z, but that thing wasn't as important to me
• 51:58
  Speaker 2: as it was to you, Like it's probably not going
• 52:00
  Speaker 2: to happen.
• 52:02
  Speaker 4: I'm so sorry. One more thing. One more thing. I'm
• 52:03
  Speaker 4: ready as a person who has been in a similar
• 52:06
  Speaker 4: situation with someone who's buying something that I wanted to
• 52:09
  Speaker 4: be a part of but only had like a small
• 52:11
  Speaker 4: portion of, and was like, Wow, this is literally my
• 52:13
  Speaker 4: ownly opportunity. I didn't have but doing it, But this
• 52:16
  Speaker 4: is my ownly opportunity because I own have like the
• 52:18
  Speaker 4: luxury of like family or anyone who will be able
• 52:21
  Speaker 4: to lend me money in the future. So I'm like,
• 52:23
  Speaker 4: this could be my thing. And then to not go
• 52:26
  Speaker 4: through with it, or to not have the money to
• 52:28
  Speaker 4: like kind of keep up with the person you're going
• 52:30
  Speaker 4: to buy with, it does feel like shit, to be honest.
• 52:33
  Speaker 4: And so maybe your partner is like, I've never had
• 52:37
  Speaker 4: the opportunity. I've never been so close to being able
• 52:39
  Speaker 4: to buy my own property, and my only opportunity right
• 52:44
  Speaker 4: now is to do that. The only option is to
• 52:46
  Speaker 4: do that with you. Otherwise I just cannot feasibly buy
• 52:49
  Speaker 4: myself a property. And is there an option too, And
• 52:53
  Speaker 4: if you're like, oh, yeah, I'm happy with that, maybe
• 52:55
  Speaker 4: there's an option to like maybe do like five percent,
• 52:57
  Speaker 4: I don't know, make it like legal or something, do.
• 53:00
  Speaker 2: An agreement, But it knows what you contribute.
• 53:02
  Speaker 4: At least they're kind of in there, you know, yeah, yeah,
• 53:04
  Speaker 4: but I don't know.
• 53:05
  Speaker 2: They're full conversation. We did ask the community, do you
• 53:08
  Speaker 2: want to know? What?
• 53:08
  Speaker 4: They would love to know?
• 53:10
  Speaker 2: So we asked what would you do if you had
• 53:12
  Speaker 2: saved more than your partner for a house? Ten percent
• 53:15
  Speaker 2: of you said you would wait for them to catch up,
• 53:18
  Speaker 2: twenty eight percent of you said buy the house alone,
• 53:20
  Speaker 2: and sixty one percent of you said buy together with
• 53:23
  Speaker 2: what you have now.
• 53:24
  Speaker 7: Cool.
• 53:25
  Speaker 2: So then we asked how would you handle feeling resentful
• 53:29
  Speaker 2: about saving more? Fifty six percent of you said I
• 53:32
  Speaker 2: would have an open conversation about it, thirty percent of
• 53:35
  Speaker 2: you said except you have different situations, and fourteen percent
• 53:38
  Speaker 2: of you said I would reassess our financial compatibility. Resent
• 53:42
  Speaker 2: is one of those emotions.
• 53:43
  Speaker 5: I feel you have to deal with it because if
• 53:45
  Speaker 5: you leave resent alone, it's simmers and festers and just
• 53:49
  Speaker 5: takes over and takes on a life of the zone
• 53:51
  Speaker 5: like you.
• 53:52
  Speaker 2: You can't sit on it.
• 53:53
  Speaker 4: You have to.
• 53:54
  Speaker 5: I think you have to have a conversation or you
• 53:56
  Speaker 5: have to come to a point of resolution within yourself.
• 53:58
  Speaker 2: But you can't just leave it. Yes, eat your last Yes,
• 54:01
  Speaker 2: I agree, I agree. We did ask the community for
• 54:03
  Speaker 2: their two cents. First person said, my fiance and I
• 54:06
  Speaker 2: in the same boat, and we're planning on getting a
• 54:08
  Speaker 2: binding financial agreement and still buying cool I love that
• 54:12
  Speaker 2: that's literally what you were suggesting.
• 54:14
  Speaker 7: Yeah.
• 54:15
  Speaker 2: Another person said, you need to get your goals in alignment.
• 54:17
  Speaker 2: It sounds like you're not on the same page when
• 54:19
  Speaker 2: it comes to expectations. Another person said, dividing finances only
• 54:24
  Speaker 2: sets you up for always comparing finances. She's kind of
• 54:29
  Speaker 2: interesting because like same, like when Steve and I were
• 54:33
  Speaker 2: saving for our first home, we had a joint savings
• 54:37
  Speaker 2: account to do that in, and we honestly didn't keep track.
• 54:42
  Speaker 2: And that's a very privileged thing, but we didn't keep
• 54:44
  Speaker 2: track of who was contributing what, and like there will
• 54:47
  Speaker 2: be like if we go back, there will be one
• 54:49
  Speaker 2: person who contributed more. But at the time, we were
• 54:52
  Speaker 2: working towards a shared financial goal of having a family
• 54:55
  Speaker 2: home together. And like, you know, if and when we
• 54:59
  Speaker 2: would have like separated, I think we would have dealt
• 55:02
  Speaker 2: with it then, But it was never something that crossed
• 55:04
  Speaker 2: our minds to be like, oh, but you're contributing this
• 55:07
  Speaker 2: and I'm contributing that, but in saying that, we did
• 55:09
  Speaker 2: feel like we were contributing semi equally, like one of
• 55:13
  Speaker 2: us more at the time, Steve earn significantly more than me.
• 55:17
  Speaker 2: So he's the one, Just to be very clear, it
• 55:19
  Speaker 2: wasn't me. He is the one that would have been
• 55:21
  Speaker 2: contributing a lot more than I was. But like the
• 55:24
  Speaker 2: way we saw it was one day, it all all
• 55:26
  Speaker 2: come out in the wash, and like we're both contributing
• 55:28
  Speaker 2: to this relationship, and like, from my perspective, I'm very grateful,
• 55:32
  Speaker 2: But the way my husband sees it is like we
• 55:35
  Speaker 2: both contribute and it's not always financial, like it can
• 55:39
  Speaker 2: be in labor and division and support, and like, I
• 55:42
  Speaker 2: just find it really refreshing that sometimes those comments are
• 55:45
  Speaker 2: coming from my husband.
• 55:46
  Speaker 5: Or not me.
• 55:47
  Speaker 2: Someone else said, you need to unpack why you currently
• 55:49
  Speaker 2: feel hurt. There might be a lot more to it
• 55:52
  Speaker 2: than just that. I agree. Someone else said, maybe worth
• 55:56
  Speaker 2: a discussion because how's the mortgage going to be split
• 55:59
  Speaker 2: base on your different salaries. Another person said, you have
• 56:03
  Speaker 2: to honor your feelings and respectfully tell them how you
• 56:06
  Speaker 2: feel within communication is the answer.
• 56:09
  Speaker 1: No.
• 56:12
  Speaker 2: Another person said, it's not the total that matters. It's
• 56:14
  Speaker 2: whether they matched your sacrifice to save in a similar way.
• 56:19
  Speaker 2: I agree. I loved that. And then last one someone
• 56:21
  Speaker 2: contributed we split based on percentage of our income. I
• 56:25
  Speaker 2: bring in x percent and he brings in one percent.
• 56:27
  Speaker 2: So that's just how we split our joint costs. Cool,
• 56:31
  Speaker 2: lots of options.
• 56:31
  Speaker 4: There's many options.
• 56:34
  Speaker 2: Ah, comes back to communication, doesn't it, Jessica, Oh my goodness. Well,
• 56:39
  Speaker 2: it has been a week. I have been grateful for
• 56:42
  Speaker 2: everyone and everything this week, and I'm just so grateful
• 56:44
  Speaker 2: that we've got to have a chat with you guys today.
• 56:47
  Speaker 4: Yeah, so good.
• 56:48
  Speaker 2: We will see you bright and early on Monday morning
• 56:50
  Speaker 2: for money.
• 56:51
  Speaker 4: Darry though, see them Happy Valentine's Day.
• 56:53
  Speaker 2: Bye guy Bye.
• 57:00
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