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Why Money-Savvy People Have Money Dates—Even When They’re Single · She's On The Money

• 0:00
  Speaker 1: Hello, my name is Satasha Nabananga Bamblet. I'm a proud
• 0:04
  Speaker 1: yor the Order Kerni Whoalbury and a waddery woman. And
• 0:08
  Speaker 1: before we get started on She's on the Money podcast,
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  Speaker 1: I would like to acknowledge the traditional custodians of the
• 0:13
  Speaker 1: land 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. She's on the Money, She's on
• 0:36
  Speaker 2: the Money.
• 0:57
  Speaker 3: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 3: that's here to spice up your relationship with your bank account.
• 1:07
  Speaker 3: Valentine's Days just around the corner, but this year we're
• 1:10
  Speaker 3: ditching the roses and chocolate for something even better.
• 1:13
  Speaker 2: What's better than that?
• 1:14
  Speaker 3: Well, not many things, but whether you're flying solo or
• 1:17
  Speaker 3: in a couple, today we're making money dates the ultimate
• 1:20
  Speaker 3: love language.
• 1:22
  Speaker 2: I'm be excited and with me as always is.
• 1:24
  Speaker 3: The woman who's basically doctor love for your finance. You're right, Victoria, Divine,
• 1:31
  Speaker 3: how are you.
• 1:32
  Speaker 2: I love this. It's giving like late night talk show.
• 1:39
  Speaker 2: It's giving smooth FM. Yes, definite love song dedications. Yes, yes,
• 1:44
  Speaker 2: And I'm like really here for that because like I'm
• 1:46
  Speaker 2: not mad. So she's on the money. We're pivoting. We
• 1:50
  Speaker 2: no longer talk about money. We talk about love. It's
• 1:52
  Speaker 2: a live date show. Oh gosh, I kind of love
• 1:55
  Speaker 2: the doctor love vibes. Yeah, I'm really feeling of energy
• 1:58
  Speaker 2: in this room today. Before we get there, this isn't
• 2:03
  Speaker 2: just for couples. I want to make it really clear
• 2:05
  Speaker 2: from the very beginning of this episode that it's not
• 2:09
  Speaker 2: just for the people who are buddied up. Even if
• 2:12
  Speaker 2: you're single. I genuinely think that a money date with
• 2:15
  Speaker 2: yourself is one of the greatest forms of self love.
• 2:18
  Speaker 2: And I mean it's probably even better to be doing
• 2:21
  Speaker 2: money dates with yourself before you get into a relationship,
• 2:24
  Speaker 2: so that you're even more stable. Another human being is
• 2:27
  Speaker 2: not your financial plan. And if you can put yourself
• 2:29
  Speaker 2: in the best possible position, like you're going to weed
• 2:32
  Speaker 2: out all of the not so nice people to date
• 2:34
  Speaker 2: as well. Yes, Like imagine going into a date that
• 2:38
  Speaker 2: would be overwhelming for the other person. Oh look, I've
• 2:41
  Speaker 2: got all my stuff together. Oh she's serious. Okay, So Beck,
• 2:46
  Speaker 2: whatever your situation, we're making today all about building a
• 2:50
  Speaker 2: love affair with your financial goals sexy, and it really
• 2:53
  Speaker 2: does start with regular money dates. Whether it's with your
• 2:56
  Speaker 2: partner or with yourself. There's lots people to argue with.
• 3:00
  Speaker 2: You're just doing it on your own. Yeah, just you
• 3:01
  Speaker 2: by yourself.
• 3:02
  Speaker 3: Little red wine, a spaghetti bolonnaise, a moment you tie
• 3:06
  Speaker 3: it to like the end of the chair, and then
• 3:07
  Speaker 3: you both meet in the middle and it's just you.
• 3:10
  Speaker 2: You, It's just you and your couch. Oh my gosh.
• 3:12
  Speaker 3: Now I feel like I already know the answer to this.
• 3:15
  Speaker 3: You've kind of explained it very well. But just in case,
• 3:17
  Speaker 3: why should we be going on money dates? Why should
• 3:20
  Speaker 3: we be having these?
• 3:21
  Speaker 2: Because they're better than regular dates? No, you don't you
• 3:24
  Speaker 2: love a real way?
• 3:25
  Speaker 3: Do you love your day?
• 3:26
  Speaker 2: Your date? You're like the most above and beyond person
• 3:29
  Speaker 2: when it comes to like organizing a date. Last week,
• 3:33
  Speaker 2: you were like, it's date night tonight, and I was like,
• 3:35
  Speaker 2: oh cute, what are you doing? And you like whipped
• 3:37
  Speaker 2: out in your bag a full curated menu, you'd like
• 3:41
  Speaker 2: graphic designed it up. You're like Okay, so this is entree.
• 3:44
  Speaker 2: This is main. My partner's not currently into dessert, but
• 3:47
  Speaker 2: I'm gonna have some options on the table anyway. So
• 3:49
  Speaker 2: we've britten them down, Like, what are you doing?
• 3:52
  Speaker 3: You've got such a great memory because it was cool.
• 3:56
  Speaker 2: This is a perfect example of why being straight is
• 4:00
  Speaker 2: not a choice.
• 4:00
  Speaker 3: Ah, yes, yes, see.
• 4:03
  Speaker 2: Well everyone want to be in a relationship with a girl.
• 4:05
  Speaker 3: If that's what they did, I know that's it. It
• 4:07
  Speaker 3: was just, you know, not to brag, but it was
• 4:09
  Speaker 3: just a regular old date. Now it was a Tuesday.
• 4:11
  Speaker 3: It was a Tuesday. But this is the thing, is
• 4:14
  Speaker 3: that I spent more than I should have. And so
• 4:16
  Speaker 3: this is why money dates are probably very important, which.
• 4:20
  Speaker 2: Is good and for couples, a regular money date it's
• 4:23
  Speaker 2: really about building trust and building that dream life together
• 4:26
  Speaker 2: and avoiding the dreaded conversation of why is there no
• 4:30
  Speaker 2: money in our joint account? Oh that's not very fun.
• 4:32
  Speaker 2: They spent it on Fkashia dough. It was worth it.
• 4:35
  Speaker 2: Did that recipe work? I'm so glad? All right, all right,
• 4:40
  Speaker 2: thank you? And if you're single. On the flip side,
• 4:43
  Speaker 2: it's really about I guess self love and that is
• 4:46
  Speaker 2: honestly one of the most empowering forms of getting clear
• 4:49
  Speaker 2: on what you really want and not only how you're
• 4:52
  Speaker 2: going to get it, but how you're going to attract it.
• 4:53
  Speaker 2: And I think that that's I don't know, really sexy.
• 4:57
  Speaker 3: That's hot. Invite yourself out right note saying will you
• 5:00
  Speaker 3: go on a date with me? Now?
• 5:02
  Speaker 2: Leave it on your desk. Got work, that's exciting? Maybe
• 5:06
  Speaker 2: one little rose? Okay, send yourself flowers name. I love that. Okay.
• 5:11
  Speaker 3: So if we want to go on a money date,
• 5:12
  Speaker 3: what's the first step other than writing yourself a note?
• 5:14
  Speaker 2: Okay? So you're not just going to plan it and
• 5:16
  Speaker 2: then tell your partner. By the way, tonight we're having
• 5:18
  Speaker 2: a money date, m because I can guarantee that's not
• 5:21
  Speaker 2: going to go down anxiety. Not everybody is in the
• 5:24
  Speaker 2: same headspace to talk about money. Yes, not everybody is
• 5:28
  Speaker 2: ready for that conversation. So I think floating the idea
• 5:32
  Speaker 2: of oh, beck, we should be doing some like regular
• 5:34
  Speaker 2: money dates. What are they saying, how are they responding
• 5:36
  Speaker 2: on's their body language?
• 5:38
  Speaker 1: Like?
• 5:38
  Speaker 2: When you are floating that question, are they open to it?
• 5:41
  Speaker 2: We're not saying if they're not open to it, don't
• 5:44
  Speaker 2: do it. We're saying, get them bought into the idea
• 5:47
  Speaker 2: of having regular money dates, because you need them to
• 5:50
  Speaker 2: be able to be in the right headspace for it
• 5:52
  Speaker 2: to be productive, because there's nothing worse than going into
• 5:56
  Speaker 2: something and being like, Hey, beck I want to have
• 5:57
  Speaker 2: a chat with you about XYZ. I don't really want
• 6:00
  Speaker 2: to talk about this right now. So you're evasive and
• 6:03
  Speaker 2: you don't get very deep answers and you don't really
• 6:05
  Speaker 2: have any thought behind it. You're like, oh, yeah, whatever
• 6:08
  Speaker 2: you want to do, Like that's so unhelpful. And I
• 6:12
  Speaker 2: think also putting it in the diary, so we're not
• 6:14
  Speaker 2: just saying, oh, we should do these money dates and
• 6:16
  Speaker 2: then not doing them. I think it's about diarize it,
• 6:19
  Speaker 2: like open your Google calendar, even if it's just for
• 6:22
  Speaker 2: you and pop a time in there, because when you
• 6:25
  Speaker 2: write something down or you schedule it, you're actually more
• 6:28
  Speaker 2: likely to do it. There's actually a thing that called
• 6:30
  Speaker 2: implementation intension. If you link a specific action like your
• 6:34
  Speaker 2: money date, to a set time in a calendar, it
• 6:37
  Speaker 2: makes it feel like a real legitimate thing. And that
• 6:39
  Speaker 2: sounds really fluffy, but the studies around this implementation intension
• 6:44
  Speaker 2: showed that it can actually boost your chances of following
• 6:47
  Speaker 2: through by more than fifty percent. Oh so, And I
• 6:51
  Speaker 2: feel like that's the same for any goal you're setting, right,
• 6:53
  Speaker 2: Like if you're just going to say, oh, you know,
• 6:56
  Speaker 2: I want to buy a new car this year, and
• 6:59
  Speaker 2: that's and crickets and no plan, Yeah, how likely is
• 7:03
  Speaker 2: that going to happen? Like that's just a wish? But
• 7:05
  Speaker 2: if you go, Okay, I want to buy a new
• 7:07
  Speaker 2: car this year, and then you like make a little
• 7:08
  Speaker 2: plan and go, I think I'm going to do that
• 7:10
  Speaker 2: in June? Okay? Can I do that when in June?
• 7:13
  Speaker 2: Like when should I start shopping? Are you more likely
• 7:16
  Speaker 2: to achieve that?
• 7:17
  Speaker 4: Yeah?
• 7:17
  Speaker 2: I can see that. And if that sounds too hard
• 7:20
  Speaker 2: back and let me hold your hand, well, I say
• 7:23
  Speaker 2: this with a lot of love. If you can commit
• 7:26
  Speaker 2: to binging an entire Netflix series for entire weekends doing it,
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  Speaker 2: I promise you you have the time to schedule just
• 7:34
  Speaker 2: an hour a month for a money day, Like we
• 7:37
  Speaker 2: need to get our priorities straight. And sometimes I need
• 7:41
  Speaker 2: to put the hard word on you and be like
• 7:45
  Speaker 2: I know that you're saying you don't have time, but
• 7:48
  Speaker 2: are you like me? Beck And did you spend last
• 7:50
  Speaker 2: night scrolling for an hour and a half phone on
• 7:54
  Speaker 2: TikTok while you said that you were going to go
• 7:56
  Speaker 2: to a bit.
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  Speaker 3: Well, that's true, but it was very fun. Some people
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  Speaker 3: are coming from different money situations and lives, and for
• 8:02
  Speaker 3: some reason, whenever people bring up money with me, especially
• 8:04
  Speaker 3: if they're maybe from somewhere more well off or they're
• 8:07
  Speaker 3: a little bit better with money, I instantly have this
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  Speaker 3: anxiety in my body.
• 8:11
  Speaker 2: No, I want that. How do we work through that?
• 8:14
  Speaker 3: And that's the thing is that if you're conscious of that,
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  Speaker 3: I don't make you feel like No, you don't maybe
• 8:18
  Speaker 3: feel like that unless you actually ask me on a
• 8:20
  Speaker 3: money day, then maybe I'll start feeling stressed out.
• 8:22
  Speaker 2: I don't want you to be stressed about money, but
• 8:24
  Speaker 2: if that's how you're feeling, you need to go back
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  Speaker 2: and look at your money story. Yes, so true. If
• 8:29
  Speaker 2: you grew up in a situation where money was really
• 8:31
  Speaker 2: scarce peck and you've spoken about this before, not having
• 8:34
  Speaker 2: money is such a significant stress that it triggers a
• 8:39
  Speaker 2: physiological response in your body. Yes, you get that pit
• 8:42
  Speaker 2: in the bottom of your stomach, you get a little
• 8:44
  Speaker 2: bit uncomfortable, You're not sure what to do, with your hands.
• 8:47
  Speaker 2: You don't mean to do that. That's not you choosing
• 8:50
  Speaker 2: to act like that. That's your body going trauma stress.
• 8:55
  Speaker 2: I'm gonna repulse from this, essentially, and that means that
• 9:00
  Speaker 2: we need to dive a little bit deeper. I don't
• 9:01
  Speaker 2: want you to be uncomfortable, but I want to talk through. Okay, back, like,
• 9:05
  Speaker 2: you're in a situation. Now, you're safe, you're grounded. You
• 9:08
  Speaker 2: have a full time income, and it's a good full
• 9:11
  Speaker 2: time income. That's not the situation you were in. Talk
• 9:14
  Speaker 2: me through. You know what happened historically to make you
• 9:17
  Speaker 2: feel like that. And it could be, oh, we never
• 9:19
  Speaker 2: had enough money growing up and it was a stress,
• 9:21
  Speaker 2: and you know, there's a million different things that could
• 9:24
  Speaker 2: come up there. If you're like, oh, I just don't
• 9:26
  Speaker 2: know why I feel like that, have a think about
• 9:29
  Speaker 2: your physiological response. So, okay, where are you feeling sick?
• 9:32
  Speaker 2: Feeling sick in your tummy? Okay, Usually that's linked to anxiety.
• 9:37
  Speaker 2: So if you're feeling sick about a situation because somebody
• 9:39
  Speaker 2: mentioned something, we're not talking about gastro right, Like, you
• 9:42
  Speaker 2: could be sick for another reason, and that's true, true,
• 9:45
  Speaker 2: You just don't have gastro, but were going into this
• 9:48
  Speaker 2: and if you've got kids in daycare, very likely gastro.
• 9:52
  Speaker 2: But have a think about that and go okay, cool, Like,
• 9:55
  Speaker 2: this feeling is really uncomfortable. I'm not saying you do
• 9:58
  Speaker 2: have anxiety, bit it could be linked to being anxious
• 10:01
  Speaker 2: about money. Yes, why when I think about spending? Am
• 10:05
  Speaker 2: I feeling anxious about money?
• 10:06
  Speaker 3: Like?
• 10:06
  Speaker 2: You might not be able to remember exactly why, because
• 10:10
  Speaker 2: the brain is incredible. The brain is actually insanely smart,
• 10:15
  Speaker 2: and if you have experienced trauma, it does what's called
• 10:18
  Speaker 2: trauma blocking, so it actually stops you from remembering a
• 10:21
  Speaker 2: lot of things that trigger those responses. But you know what,
• 10:24
  Speaker 2: it's dumb at do we stopping the response? Ah?
• 10:28
  Speaker 1: Good?
• 10:28
  Speaker 2: So like it'll block you from remembering what happened. But
• 10:32
  Speaker 2: then when you experience a trigger, you'll still feel sick
• 10:35
  Speaker 2: about it and you'll be like boh ah low key rude. Yeah,
• 10:39
  Speaker 2: very unhelpful.
• 10:40
  Speaker 3: It also makes you feel a little bit crazy, but
• 10:43
  Speaker 3: exactly notice so true.
• 10:44
  Speaker 2: We need to work through that. We do. So if
• 10:47
  Speaker 2: money dates are something that you're like, absolutely not they
• 10:50
  Speaker 2: I'd love you to go back and listen to our
• 10:52
  Speaker 2: episodes on money Stories and what that might mean. There's
• 10:55
  Speaker 2: a lot of content on our podcast that talks you
• 10:58
  Speaker 2: through that maybe doing a little bit of journaling sitting down.
• 11:02
  Speaker 2: You don't have to share this with anybody. Your money
• 11:04
  Speaker 2: story is actually personal. Yes, so it's actually none of
• 11:07
  Speaker 2: anybody else's business. And if journaling feels a little bit
• 11:10
  Speaker 2: risky because I don't know, beck I get anxious writing
• 11:13
  Speaker 2: things down? Yeah, what if somebody finds this? Yeah, Like
• 11:17
  Speaker 2: I know it's a really productive thing to like journal because,
• 11:19
  Speaker 2: like I've heard, putting it on paper is a really
• 11:21
  Speaker 2: good thing. But like what if my husband reads it
• 11:24
  Speaker 2: thinks I'm a bit du lulu? Yeah? Or like what
• 11:27
  Speaker 2: if I kind of sound like a loser? Exactly? Do
• 11:29
  Speaker 2: you know what you can do later? Can burn the paper?
• 11:31
  Speaker 2: You could, so we could do the task. No one
• 11:33
  Speaker 2: needs to see it. Yes, you don't even need.
• 11:35
  Speaker 3: To REREADO put in a locked folder.
• 11:37
  Speaker 2: So there's lots to do. And I think that really
• 11:39
  Speaker 2: touching on money stories here. If this is bringing up
• 11:43
  Speaker 2: that icky feely yes, and that much a good idea.
• 11:45
  Speaker 3: My one in particular comes from like I'm worried that
• 11:47
  Speaker 3: people will understand because they haven't lived the same life.
• 11:50
  Speaker 3: But like, if everyone approaches this with gentleness, kindness, openness.
• 11:54
  Speaker 3: Everyone kind of has a different journey and so if
• 11:56
  Speaker 3: we just kind to one another will be okay. So
• 12:00
  Speaker 3: you've really kind of got me feeling a bit more
• 12:04
  Speaker 3: comfortable outside, dear, and maybe I need to schedule mine
• 12:07
  Speaker 3: in with Jess or just myself. So once I've done
• 12:09
  Speaker 3: that and the date day is here, what are we
• 12:12
  Speaker 3: doing first?
• 12:13
  Speaker 2: Oh, we're going to make it a legit date. Like
• 12:15
  Speaker 2: I want you to look forward to these money days.
• 12:17
  Speaker 2: A pizza absolutely, if that's what you're into, order pasta,
• 12:22
  Speaker 2: if you're comfortable, you could go out for dinner. I'm
• 12:24
  Speaker 2: a bit du lulu, So like, if you ask me
• 12:26
  Speaker 2: to justify spending, I can help you. I'm definitely not
• 12:30
  Speaker 2: one of those financial independents retire early who is going
• 12:33
  Speaker 2: to save all of their money for a rainy day. Like,
• 12:35
  Speaker 2: if you need help justifying a purchase baby cakes, I
• 12:39
  Speaker 2: am your girl. So if you need to go out
• 12:42
  Speaker 2: for dinner to make this something that you really look
• 12:45
  Speaker 2: forward to, let's see that as an investment in your
• 12:47
  Speaker 2: financial health. And I'm not saying go and spend and
• 12:51
  Speaker 2: you know, get into a whole heap of debt. But
• 12:52
  Speaker 2: I do think we need to do something that makes
• 12:55
  Speaker 2: it worth looking forward to. I want this to be
• 12:58
  Speaker 2: something that you go it's money date night, And it's
• 13:03
  Speaker 2: kind of like that sweet treat theory where beck we're
• 13:07
  Speaker 2: going to have to go and do this like god
• 13:08
  Speaker 2: awful presentation at work or whatever, and we're not looking
• 13:11
  Speaker 2: forward to it. But if you do that, we'll go
• 13:13
  Speaker 2: out for a sweet treat after, do you know me?
• 13:15
  Speaker 2: And you kind of like go, oh, this might be
• 13:17
  Speaker 2: worth it. Yeah, it's very exciting all of a sume exactly.
• 13:19
  Speaker 2: It's kind of like having a day at work where
• 13:22
  Speaker 2: the sun is really beautiful outside and the weather is perfect,
• 13:25
  Speaker 2: and knowing that the beach is waiting because you get
• 13:29
  Speaker 2: to finish work at three pm. Good Like, it's a
• 13:31
  Speaker 2: good deal. So we want to create the good deal
• 13:34
  Speaker 2: for ourselves because otherwise we're going to do one money
• 13:36
  Speaker 2: date and full of the bandwagon. So if you want,
• 13:39
  Speaker 2: you could light a candle, you could pour your favorite drink,
• 13:41
  Speaker 2: you could get some fancy cheese. You could make a
• 13:43
  Speaker 2: whole vibe like Audi cheese platters underrated. Their cheeses are,
• 13:50
  Speaker 2: their biscuits are very good. Make a little Audi cheese platter.
• 13:54
  Speaker 2: We all know that my favorite rose is La Mule
• 13:57
  Speaker 2: from Audi Gorgeous a bottle which, to be honest, like
• 14:03
  Speaker 2: fourteen ninety nine, you're gonna want to hope that it's
• 14:05
  Speaker 2: a good bottle of wine. Yeah, you can get cheaper,
• 14:07
  Speaker 2: but that's also you can definitely get cheaper, but it
• 14:09
  Speaker 2: is very very nice wine. And don't get me wrong,
• 14:12
  Speaker 2: Like a few people might be like Victoria, I've seen
• 14:14
  Speaker 2: your Instagram stories when you drink very expensive wine. Sometimes, yeah,
• 14:19
  Speaker 2: I do. Like I'm very lucky. Like my husband and
• 14:22
  Speaker 2: I we love a good bottle of red. I'm not
• 14:24
  Speaker 2: gonna lie, but like, when it comes down to it,
• 14:28
  Speaker 2: I'm still budget. Day to day, I do have a
• 14:31
  Speaker 2: little splurge item, don't get me wrong, but like day
• 14:34
  Speaker 2: to day, if I'm planning a money date with my husband,
• 14:36
  Speaker 2: I feel like ten dollars is like a normal amount
• 14:39
  Speaker 2: for a bottle of wine. Oh yeah, you know, I'm
• 14:41
  Speaker 2: probably gonna spend a little bit more if I'm going
• 14:43
  Speaker 2: to a friend's house and like taking a bottle of wine.
• 14:45
  Speaker 2: But if you're having wine at home, no more than
• 14:48
  Speaker 2: ten bars, you reckon.
• 14:50
  Speaker 3: What's your theory is the theory if your favorite is
• 14:53
  Speaker 3: the fourteen ninety nine one go for that. But generally,
• 14:56
  Speaker 3: when I'm just by myself, I'm at home or I'm
• 14:58
  Speaker 3: having a friend over and we're really doing low key,
• 15:01
  Speaker 3: I personally am max seven dollars.
• 15:03
  Speaker 2: I feel like everyone has a theory. They have a theory,
• 15:06
  Speaker 2: they do they But anyway, you're going to hopefully create
• 15:10
  Speaker 2: a situation where you feel a lot of connection with
• 15:12
  Speaker 2: your partner. So whether that is your partner or you're
• 15:14
  Speaker 2: in a financial boss like, I don't mind, but we're
• 15:17
  Speaker 2: just going to make it something that you're kind of
• 15:18
  Speaker 2: low key looking forward to. Yeah, that's very cool. Like
• 15:20
  Speaker 2: we're going to talk about the money like an hour,
• 15:22
  Speaker 2: but you could have like a three hour date.
• 15:24
  Speaker 3: Yeah, it could be very romantic, it could be cute,
• 15:27
  Speaker 3: and also it's kind of like you're talking about your future.
• 15:29
  Speaker 3: That's cute exactly. So how about you and Steve, how
• 15:32
  Speaker 3: do you do your money date?
• 15:33
  Speaker 2: Our last money date was actually at a bar called Harvey,
• 15:36
  Speaker 2: which is funny because that's my Sun's Day. It's actually
• 15:40
  Speaker 2: just lokey, really cute bar out in Armidale, which is
• 15:43
  Speaker 2: semi near where we live. We ordered a heap of
• 15:46
  Speaker 2: little antipasto things. We usually go on a weeknight because
• 15:49
  Speaker 2: it's too hard to go out on like a Friday
• 15:51
  Speaker 2: or a Saturday night, Like I feel like it's just
• 15:52
  Speaker 2: too busy, like everyone wants to be at the cute
• 15:54
  Speaker 2: wine bar Wednesday night, though no one's there. There was
• 15:57
  Speaker 2: a few people, but like kind of empty. I did
• 16:00
  Speaker 2: a few little antipasto things. I had a cocktail, and
• 16:03
  Speaker 2: we just talk about the things we want to achieve,
• 16:05
  Speaker 2: Like we were talking about, okay, should we go like
• 16:08
  Speaker 2: obviously bigger things. We talk about our budget. We go
• 16:10
  Speaker 2: through you know, what are we spending, what are we saving?
• 16:13
  Speaker 2: Like do we have goals for this year? Ali on
• 16:15
  Speaker 2: track to meet them. We talked a lot actually about
• 16:18
  Speaker 2: daycare fees this last money date, because obviously having a
• 16:22
  Speaker 2: child in daycare, it's a lot of money, but also
• 16:26
  Speaker 2: it's our first year doing it, so we're kind of navigating.
• 16:29
  Speaker 2: This is a new item on our budget. We've talked
• 16:32
  Speaker 2: about holidays, so we're really lucky that we are in
• 16:35
  Speaker 2: the financial situation where a holiday could be possible. We
• 16:39
  Speaker 2: haven't planned anything though, because we went on a big
• 16:41
  Speaker 2: holiday last year. Sure, I was kind of like, oh,
• 16:44
  Speaker 2: I would actually prefer to save. And don't get me wrong, Beck,
• 16:48
  Speaker 2: I don't want you to think RV's being budget to
• 16:51
  Speaker 2: be relatable. Like, at the end of the day, I
• 16:54
  Speaker 2: did not grow up rich like I grew up and
• 16:57
  Speaker 2: money was relatively scarce, like we always had everything that
• 17:01
  Speaker 2: we needed provided for us, like I never quote missed out,
• 17:04
  Speaker 2: but money was stressful, Like it was something that we
• 17:07
  Speaker 2: didn't talk about. It was something that, you know, was
• 17:10
  Speaker 2: a bit overwhelming for me. And that's kind of what
• 17:13
  Speaker 2: led me to making such bad money decisions in my
• 17:16
  Speaker 2: early twenties, which is again fine, but that doesn't mean
• 17:20
  Speaker 2: that because I now have more money, that has changed. Like, yes,
• 17:24
  Speaker 2: we can afford nice holidays, and we have been on
• 17:26
  Speaker 2: a few of them. But in my head, I'm like,
• 17:29
  Speaker 2: you go on a nice holiday every second year, sure,
• 17:32
  Speaker 2: and that's still a privilege. But I just said to Steve, no,
• 17:35
  Speaker 2: absolutely not. So we talked about that stuff. We talked
• 17:39
  Speaker 2: about smaller things like, oh, what's our emergency fund? Looking
• 17:42
  Speaker 2: like I was talking to Steve about potentially getting our
• 17:45
  Speaker 2: mortgage refinanced. Okay, so like we've got our mortgage and
• 17:50
  Speaker 2: we are currently not on a fixed interest rate, and
• 17:54
  Speaker 2: you know, I don't really want to lock in an
• 17:56
  Speaker 2: interest rate right now because our interest rates, hopefully by
• 17:58
  Speaker 2: the end of this year, are going to go down,
• 18:00
  Speaker 2: so I don't want to commit to something now to
• 18:02
  Speaker 2: go down later. But we talked about that because right
• 18:06
  Speaker 2: now I feel like it's a little bit higher than
• 18:07
  Speaker 2: it should be. And I called our bank. I obviously
• 18:10
  Speaker 2: have a broker haha, Zella money, but I called our
• 18:13
  Speaker 2: bank myself to see if I could get a lower rate,
• 18:16
  Speaker 2: and they couldn't do it. And I've seen lawer rates
• 18:18
  Speaker 2: from other banks, so I'm like, is it worth moving?
• 18:21
  Speaker 2: Like I like our bank. I like the facilities we
• 18:23
  Speaker 2: have because we've got like an offset account, so we
• 18:25
  Speaker 2: put all of our savings and all of our money
• 18:28
  Speaker 2: that we earn into an offset account, and then we
• 18:30
  Speaker 2: spend from that so that you know our money is
• 18:33
  Speaker 2: working hard. Literally the way I spend money and like
• 18:37
  Speaker 2: do my banking is how I teach you guys in
• 18:39
  Speaker 2: the Money masterclass, So if you're interested, that's how I
• 18:42
  Speaker 2: do it. But yeah, we just had a chat about
• 18:45
  Speaker 2: money and life, and I feel like those conversations about
• 18:47
  Speaker 2: money then stretched into like our values and what we
• 18:51
  Speaker 2: want to achieve, and like now I'm reflecting on it.
• 18:53
  Speaker 2: That daycare conversation moved into oh, what would that look
• 18:57
  Speaker 2: like if we had multiple kids, Like, you know, how
• 19:00
  Speaker 2: much would that cost us a year? At the moment,
• 19:02
  Speaker 2: Harve is in daycare for two days? What would three
• 19:04
  Speaker 2: days look like?
• 19:05
  Speaker 1: Like?
• 19:05
  Speaker 2: It's a lot of like brainstorming time as opposed to
• 19:08
  Speaker 2: just line items in a budget. So we do go
• 19:11
  Speaker 2: through the budget. We've got that on our phone on
• 19:13
  Speaker 2: the spreadsheet, went through that, but then it's all about,
• 19:16
  Speaker 2: I guess, you know, what are we spending? What does
• 19:18
  Speaker 2: this look like?
• 19:19
  Speaker 1: Oh?
• 19:19
  Speaker 2: How much is rejo for our cars combined? Okay, it's
• 19:22
  Speaker 2: that like how do we feel about that? Lots of
• 19:24
  Speaker 2: questions like that that. I feel like people think a
• 19:27
  Speaker 2: money date is sitting down and like really holing into
• 19:30
  Speaker 2: the spreadsheets and is at the start, especially if you
• 19:34
  Speaker 2: don't have a budget right now and you're trying to
• 19:36
  Speaker 2: set one up for you and your family or yourself.
• 19:38
  Speaker 2: But for us, it was like, I don't know, a
• 19:40
  Speaker 2: little bit aspirational as well, like all things we want
• 19:43
  Speaker 2: to achieve, like not right now, but one day we
• 19:46
  Speaker 2: would like a bigger house because you know, not complaining
• 19:48
  Speaker 2: beautiful home, but it's really small and if we have
• 19:51
  Speaker 2: other kids, like, we don't have room for other kids back. Yeah,
• 19:55
  Speaker 2: so we're like, oh maybe one day and I was like, mate,
• 19:57
  Speaker 2: bunk beds.
• 19:58
  Speaker 3: Yeah, like absolutely.
• 20:00
  Speaker 2: Yeah. So it's all of those conversations. Okay, the kind
• 20:04
  Speaker 2: of like intertwine into a budget conversation. Yeah, cute because
• 20:10
  Speaker 2: I think that if I said to you, sit down
• 20:12
  Speaker 2: and have a money date with your girlfriend Jess, you
• 20:14
  Speaker 2: just think it's about going through budget and how much
• 20:16
  Speaker 2: she spends versus what you spend. But it's also about
• 20:19
  Speaker 2: values and what you're trying to achieve and yeah, what
• 20:21
  Speaker 2: that looks like and honey, are you happy with your job?
• 20:24
  Speaker 2: Like it goes into conversations like that of you know,
• 20:28
  Speaker 2: what do you want with the next steps of your
• 20:29
  Speaker 2: career and what do I want with the next steps
• 20:31
  Speaker 2: of mine. It's actually just so lovely to make sure
• 20:33
  Speaker 2: they're always on the same page.
• 20:34
  Speaker 3: It's q and you're kind of like relearning each other. Yeah,
• 20:37
  Speaker 3: let's talk about work stuff and what we want to be.
• 20:40
  Speaker 2: It's an event really, so I think so like I
• 20:44
  Speaker 2: like them.
• 20:44
  Speaker 3: Yeah, So music's playing, we've got to drink. The vibes
• 20:48
  Speaker 3: are high, and what should we start with.
• 20:50
  Speaker 2: As I said, I feel like, if you've not done
• 20:52
  Speaker 2: this before, we really want to be starting with conversations
• 20:56
  Speaker 2: around why we want this, like why do we want
• 20:59
  Speaker 2: to have money? We want to be on the same page.
• 21:01
  Speaker 2: I want to be talking about celebrating the month that was,
• 21:04
  Speaker 2: Like you could do that money wins and confessions. If
• 21:07
  Speaker 2: you had a money when this month there, can you
• 21:09
  Speaker 2: be like, oh my gosh, yes, when I was grocery
• 21:11
  Speaker 2: shopping XYZ or got a confession, you'd be like, yes, coffee.
• 21:15
  Speaker 2: Do you know what I mean? Like, there's definitely things
• 21:17
  Speaker 2: that could come up and make it a little bit
• 21:19
  Speaker 2: more fun. I don't want you to have boring dates,
• 21:22
  Speaker 2: Like money doesn't have to be boring. It can be fun.
• 21:25
  Speaker 2: So I think it's about reflecting on what you've achieved,
• 21:29
  Speaker 2: maybe what you could do better. But if you've never
• 21:31
  Speaker 2: done this before, it would be about sitting down and going,
• 21:34
  Speaker 2: how do you feel about a budget before you even
• 21:36
  Speaker 2: feel one in if we do a budget together, what
• 21:40
  Speaker 2: would that look like to you? And your partner? May go,
• 21:42
  Speaker 2: I don't know if I want to do a budget.
• 21:43
  Speaker 2: Back feels a bit restrictive. Okay, well, let's make sure
• 21:46
  Speaker 2: that it's not a restrictive budget. Let's make sure it's
• 21:48
  Speaker 2: just reflective of what we spend so that we understand
• 21:51
  Speaker 2: every dollar that comes in and every dollar that goes out.
• 21:54
  Speaker 2: Does that feel better? Oh yeah, Actually that would be
• 21:57
  Speaker 2: really helpful because I'd love to know what I spend
• 21:59
  Speaker 2: on X.
• 21:59
  Speaker 4: Or y Z.
• 22:00
  Speaker 2: So I feel like it's not just about patting yourself
• 22:04
  Speaker 2: on the back and being like, oh, good job, Beck, woo.
• 22:06
  Speaker 2: It's actually psychology one oh one. When you acknowledge the
• 22:09
  Speaker 2: progress that you've already had, it releases dopamine and we
• 22:14
  Speaker 2: love dopamine. Yes, And you're literally training your brain to
• 22:18
  Speaker 2: crave that feel good feeling so that you keep making
• 22:22
  Speaker 2: positive changes.
• 22:23
  Speaker 1: Yeah.
• 22:23
  Speaker 2: Okay, Like if your partner sat down every single month
• 22:26
  Speaker 2: and I've essentially helped celebrate you and what you've achieved,
• 22:31
  Speaker 2: and I said coffee before. If you're playing along at home,
• 22:33
  Speaker 2: the reason I mentioned coffee is, Beck, what's your goal
• 22:35
  Speaker 2: this year for coffee?
• 22:36
  Speaker 3: Well, I'm not going to spend any money on coffee,
• 22:38
  Speaker 3: not going to buy coffee anything.
• 22:40
  Speaker 1: Yeah.
• 22:40
  Speaker 2: But if your partner sat you down and said, Beck,
• 22:42
  Speaker 2: how's that going, and you go, oh my gosh, another month,
• 22:44
  Speaker 2: I've slaid it. I've done so good. I didn't do it.
• 22:47
  Speaker 2: I make coffee at work. Like, imagine if we're celebrating
• 22:49
  Speaker 2: that every single month. Instead you're setting that intention at
• 22:52
  Speaker 2: the start of the year and then nobody asking about it.
• 22:54
  Speaker 3: Yeah. True, and then you're kind of like one day
• 22:56
  Speaker 3: you wake up time and you're like, oh, who cares
• 22:58
  Speaker 3: any exactly.
• 23:00
  Speaker 2: But imagine if there was a schedule check in and
• 23:02
  Speaker 2: you just know what's coming, yeah, kind of excigning.
• 23:04
  Speaker 3: It's like, nope, no matter what, I'm very tired today,
• 23:06
  Speaker 3: and so I'm extra proud that I'm not buying a coffee.
• 23:09
  Speaker 2: Pat me and tell me. I'm pretty like it's gonna
• 23:11
  Speaker 2: work that hard? Isn't that hard? Exactly? So I feel
• 23:15
  Speaker 2: like it's literally psychology one oh one yeah, and for me,
• 23:18
  Speaker 2: that works. And I think if you're in a couple
• 23:22
  Speaker 2: asking what's one goal that we've smashed together or you know,
• 23:25
  Speaker 2: keeping each other accountable, if you're single, going all right,
• 23:28
  Speaker 2: what is one move that I did this month that
• 23:31
  Speaker 2: made me feel like a boss or made me feel
• 23:33
  Speaker 2: like I've killed it, or is really helping towards my goals?
• 23:36
  Speaker 2: And I mean, if you're single and you love this
• 23:38
  Speaker 2: idea of money date you have other single friends, imagine
• 23:41
  Speaker 2: doing this with a buddy, Like it becomes this I
• 23:45
  Speaker 2: don't know, aspirational goal setting task. And this is me
• 23:49
  Speaker 2: probably extrapolating it out, but it could be like a
• 23:52
  Speaker 2: vision boarding moment as well. Like you guys could keep
• 23:54
  Speaker 2: a joint pinterest of like cute images that keep you
• 23:58
  Speaker 2: motivated or like Maye collages that could be your backgrounds
• 24:02
  Speaker 2: to stay on track, and like just having an accountability
• 24:05
  Speaker 2: buddy helps. I think, Yes, I love yappin, so like
• 24:08
  Speaker 2: why not? Yeah, cute? We should have a vision forty night.
• 24:12
  Speaker 3: Yes with like old magazine.
• 24:13
  Speaker 2: Yes, and I'll bring the wine. I'm happy to spend
• 24:15
  Speaker 2: fourteen ninety nine, don't you worry?
• 24:17
  Speaker 4: Easy?
• 24:18
  Speaker 2: And then we can get like old magazines. And I
• 24:20
  Speaker 2: have this little Polaroid printer. It brings out of photos
• 24:24
  Speaker 2: from your phone. So if there's like a photo anyway,
• 24:26
  Speaker 2: it'll be cute. We'll talk about this later, okay, But
• 24:28
  Speaker 2: we want to dream big because from my perspective, it
• 24:32
  Speaker 2: not only gives you direction, which we love, but it
• 24:35
  Speaker 2: really taps into your values and makes your goals feel
• 24:38
  Speaker 2: I don't know, exciting and meaningful, because after all, if
• 24:41
  Speaker 2: you don't dream it, Like, how on earth are you
• 24:42
  Speaker 2: going to achieve it? Yeah? Like, if we can't think
• 24:45
  Speaker 2: about it logically, how are you going to be able
• 24:48
  Speaker 2: to achieve that goal? Whether it is you know, getting
• 24:51
  Speaker 2: a promotion at work, or it is you know, just
• 24:53
  Speaker 2: saving your first five hundred dollars into your emergency fund,
• 24:56
  Speaker 2: or it could be a really big financial goal like
• 24:58
  Speaker 2: buying your first home. If we can't visualize it, and
• 25:01
  Speaker 2: if we can't see ourselves actually doing that, how on
• 25:04
  Speaker 2: earth are you meant to back yourself into doing it?
• 25:06
  Speaker 3: Yeah?
• 25:07
  Speaker 2: Like, how on earth are we meant to achieve something
• 25:10
  Speaker 2: if you feel the whole time like you're like I
• 25:14
  Speaker 2: want to do that, but I can't.
• 25:16
  Speaker 3: How are you meant to get to your destination? If
• 25:19
  Speaker 3: you don't know what to type into Google Maps?
• 25:21
  Speaker 2: Exactly it's just on the right page. But you could
• 25:25
  Speaker 2: be asking yourself lots of different questions like oh, what
• 25:28
  Speaker 2: are our money values? And if you don't know them, like,
• 25:31
  Speaker 2: how are we going to work that out? Like we
• 25:33
  Speaker 2: could start asking questions and it's like the process of elimination. Beck,
• 25:37
  Speaker 2: would you spend one thousand dollars buying a horse? I
• 25:41
  Speaker 2: would you would it's probably I probably let's talk about
• 25:44
  Speaker 2: why why would you do that? Like fun, like, you know,
• 25:48
  Speaker 2: being a little bit wistful, maybe you are really impulsive,
• 25:50
  Speaker 2: like let's talk about that. That brings out a lot. Okay, Beck,
• 25:53
  Speaker 2: would you spend two million dollars on a house?
• 25:56
  Speaker 3: In this hypothetical? Do I have the money?
• 25:58
  Speaker 2: Yeah, you've got two million dollars. Yeah, you'd buy a house.
• 26:01
  Speaker 2: So but why would you buy a house?
• 26:04
  Speaker 1: Oh?
• 26:04
  Speaker 3: I see, Well that's a good question, V because we
• 26:07
  Speaker 3: can ask ourselves questions totally about money that we have
• 26:10
  Speaker 3: not got.
• 26:11
  Speaker 2: Ye, that's true. These are questions that my husband and
• 26:15
  Speaker 2: I like to throw at each other. And I don't know.
• 26:16
  Speaker 2: I wouldn't want you being a fly on the wall
• 26:18
  Speaker 2: in these conversations because they are silly conversations that don't
• 26:22
  Speaker 2: mean anything. But my husband the other day was like,
• 26:24
  Speaker 2: would you spend ten million dollars on a house? By
• 26:26
  Speaker 2: the way, I do not have ten million dollars to
• 26:28
  Speaker 2: spend my house. And I was like, I don't think so. Yeah,
• 26:32
  Speaker 2: Like that's a lot of money. And don't get me wrong,
• 26:36
  Speaker 2: I'm very lucky that I live in a good area
• 26:38
  Speaker 2: and I have a beautiful home. But like, that's just
• 26:41
  Speaker 2: not my vibe. That's just not who I am. And
• 26:44
  Speaker 2: I was like, oh, actually, the idea of spending that
• 26:47
  Speaker 2: much on an item, I don't like. That doesn't feel good. Yeah,
• 26:50
  Speaker 2: And my husband and I had this really good conversation
• 26:52
  Speaker 2: about like how we feel about that. We're like, and
• 26:55
  Speaker 2: this is going to sound so entitled. If we had
• 26:57
  Speaker 2: three million dollars to live in our dream area with
• 27:00
  Speaker 2: like our dream school and our dream everything, and we
• 27:03
  Speaker 2: had that money and was comfortable, I was like, I'm
• 27:05
  Speaker 2: not going to say it makes sense, but like that
• 27:08
  Speaker 2: would add up because I feel like some houses in
• 27:10
  Speaker 2: Melbourne cost that and they're not like extravagant ten million
• 27:13
  Speaker 2: dollar houses like I mean in Brunswick it costs like
• 27:16
  Speaker 2: two million dollars just for a Terras house nowadays. Right,
• 27:19
  Speaker 2: So I'm not saying that that is reasonable, But these
• 27:22
  Speaker 2: are the conversations that you can open up and you know,
• 27:24
  Speaker 2: you could even have with your girlfriend and be like, Jess,
• 27:27
  Speaker 2: would you spend ten million dollars on house? Yeah, and
• 27:29
  Speaker 2: go oh wow, Like I do value having a roof
• 27:32
  Speaker 2: over my head, but I don't know value yeah, but
• 27:35
  Speaker 2: like where's the balance. What do those things look like
• 27:38
  Speaker 2: we can be wistful, we can be wishful, we can
• 27:41
  Speaker 2: you know, pretend for a moment, because it really does
• 27:46
  Speaker 2: help drive our values. Yeah, because like that tells me, Okay,
• 27:50
  Speaker 2: my values are actually pretty strong in that area. And
• 27:53
  Speaker 2: it's not about what you earn and what you spend.
• 27:55
  Speaker 2: It's actually about like how you're going to allocate that money.
• 27:57
  Speaker 2: And you're telling me if I had unlimited would you
• 28:00
  Speaker 2: do that? And I was like, oh no, yeah, there's
• 28:04
  Speaker 2: so much more I could do with that. That's a
• 28:05
  Speaker 2: great point. It's like saying, beck, would you spend five
• 28:08
  Speaker 2: hundred thousand dollars on a car?
• 28:10
  Speaker 3: Yeah? Now that's where I would draw my line. You go,
• 28:13
  Speaker 3: only no, it's a vessels getting from A to B.
• 28:16
  Speaker 2: Okay, so other people would and like no judgment, no, no,
• 28:20
  Speaker 2: Like I don't care what you spend your money on.
• 28:22
  Speaker 2: But like we need to have these weird conversations, Yeah,
• 28:26
  Speaker 2: to help draw out our values. Yeah. So true. And
• 28:28
  Speaker 2: I'm not saying that they're normal things that we would do,
• 28:31
  Speaker 2: but like you've just told me that maybe your values
• 28:33
  Speaker 2: are a little bit different to somebody who does value that.
• 28:36
  Speaker 3: Yeah.
• 28:36
  Speaker 2: Great, we're moving towards understanding our values and what we're doing. Absolutely,
• 28:41
  Speaker 2: So we're working that out and then you know, you
• 28:43
  Speaker 2: could extrapolate it down as well, and it could be
• 28:45
  Speaker 2: like beck, what would you do if you had ten
• 28:46
  Speaker 2: grand tomorrow?
• 28:48
  Speaker 3: Yeah? Sure, okay, Well what would I do? Would you
• 28:51
  Speaker 3: pay off your parking fines? The thing is, I just
• 28:53
  Speaker 3: don't think I'm there yet.
• 28:55
  Speaker 2: No, you're not ready to commit to giving City of
• 28:57
  Speaker 2: Melping their money? No, I can't.
• 28:59
  Speaker 3: I think I would something like go on a big
• 29:01
  Speaker 3: holiday or blow it all and then end up in
• 29:03
  Speaker 3: the same position.
• 29:03
  Speaker 2: That's just what I do. Okay. I'm trying to work
• 29:07
  Speaker 2: with you on this, and do you know what? I
• 29:09
  Speaker 2: love how honest you are. Thank you, And I hope
• 29:11
  Speaker 2: you know that I don't judge you.
• 29:13
  Speaker 3: Thank you.
• 29:13
  Speaker 2: My job is to give you all the education so
• 29:15
  Speaker 2: that you can make a decision that's true, that feels
• 29:17
  Speaker 2: comforty for you.
• 29:18
  Speaker 3: I feel like we do that. Well, yeah, I think so,
• 29:21
  Speaker 3: Like pop Off, Queen, what would you do if you
• 29:23
  Speaker 3: had ten thousand dollars?
• 29:25
  Speaker 2: I'm a bit boring, and I guess this question really
• 29:28
  Speaker 2: plays into my financial privilege because I already have an
• 29:32
  Speaker 2: emergency fund and right now I'm trying to be as
• 29:36
  Speaker 2: honest as possible. I would probably just pop it in
• 29:39
  Speaker 2: my offset, Yes, okay, pop it in my offset, because
• 29:43
  Speaker 2: right now there's nothing that I would want to purchase
• 29:47
  Speaker 2: or do with that money. But it would make me
• 29:50
  Speaker 2: feel a little bit more secure. It would bring down
• 29:52
  Speaker 2: my mortgage repayments slightly because we'd upset the interest. I'm
• 29:56
  Speaker 2: very lucky. But other people would have different commentary around that, because,
• 30:00
  Speaker 2: like you said, you go on a trip or do
• 30:01
  Speaker 2: something really fun. Someone else might be like, oh, I've
• 30:03
  Speaker 2: got medical bills. Someone else might say, oh, I really
• 30:06
  Speaker 2: want to help my mum buy a car. Someone else
• 30:09
  Speaker 2: might say, oh, I would just blow it all at
• 30:11
  Speaker 2: the Pokey's, Like everybody else has these different values, And
• 30:15
  Speaker 2: I think it's about answering it, honestly, because I'm not
• 30:19
  Speaker 2: going to judge you. That's not going to judge you. No,
• 30:21
  Speaker 2: it's about just really starting to understand your value set
• 30:24
  Speaker 2: and what's going on. So I feel like that's a
• 30:27
  Speaker 2: really good place to go to a break.
• 30:30
  Speaker 3: Let's top up our red wine, oh those tunes, go
• 30:33
  Speaker 3: and have a little dance and we'll be back soon.
• 30:39
  Speaker 3: Welcome back everyone. So V what is next in our
• 30:42
  Speaker 3: money date?
• 30:43
  Speaker 2: Lineup. So now we've been a little bit aspirational with
• 30:46
  Speaker 2: us some really silly questions of the fun part, like
• 30:49
  Speaker 2: did you know that you can buy five hundred thousand
• 30:51
  Speaker 2: dollar cars?
• 30:53
  Speaker 3: I know that is crazy, isn't it?
• 30:54
  Speaker 2: It blows my mind though someone could spend half a
• 30:56
  Speaker 2: million dollars in a car. Yeah, that's wild, Like why
• 30:58
  Speaker 2: you got it? This is where we're going to reflect
• 31:01
  Speaker 2: and realign. Yes, so this is where we can learn
• 31:04
  Speaker 2: from the past month. We can sit down and be like, Okay, well,
• 31:06
  Speaker 2: being a little bit silly, let's rein it in. Let's
• 31:10
  Speaker 2: reflect on a few things that we've done in the
• 31:12
  Speaker 2: last month so that we can hopefully like spots and patterns,
• 31:15
  Speaker 2: we'll see where we're working towards. And we're going to
• 31:18
  Speaker 2: look at the good and the bad, because at the
• 31:20
  Speaker 2: end of the day, I want you to look at
• 31:21
  Speaker 2: the bad and get to a point where we're not
• 31:24
  Speaker 2: feeling bad about it. Let's pretend to Beck, you fell
• 31:27
  Speaker 2: off the bandwagon with your coffee sitch yep, and I
• 31:32
  Speaker 2: bring it up and go Beck, you've gone out for
• 31:34
  Speaker 2: coffee six times in the months. I don't want you
• 31:37
  Speaker 2: to feel sick about that. I want to be able
• 31:39
  Speaker 2: to bring things up with you and have these conversations
• 31:41
  Speaker 2: and you go, yeah, that's an observation, full stop, end
• 31:46
  Speaker 2: of story. I'm not feeling sick about it. I'm not
• 31:49
  Speaker 2: feeling attacked, I'm not feeling judged. It's just an observation. Sure,
• 31:52
  Speaker 2: because does it help you to crucify past?
• 31:56
  Speaker 1: You?
• 31:57
  Speaker 2: Like, what does that do? It just makes you feel
• 31:59
  Speaker 2: bad about your situation, and it actually just perpetuates this
• 32:02
  Speaker 2: idea that you're not good at money. Totally. By pointing
• 32:05
  Speaker 2: it is like we're just pointing it out because we
• 32:07
  Speaker 2: need to highlight it so that we can talk about it.
• 32:10
  Speaker 2: But like, I'm just pointing it out. I'm not doing
• 32:12
  Speaker 2: it to make you feel like trash about yourself, because
• 32:14
  Speaker 2: if I do that, we're just perpetuating this idea that
• 32:17
  Speaker 2: you're not good at achieving goals, you're not good at
• 32:20
  Speaker 2: setting and achieving what you want to do, and oh, beg,
• 32:23
  Speaker 2: you're not good at money. And I'm not saying that's true,
• 32:25
  Speaker 2: but that's how you feel when I bring things like
• 32:27
  Speaker 2: that up. But I want to get to a point
• 32:29
  Speaker 2: where I can just say, oh, observation fell off the
• 32:32
  Speaker 2: bandwagon six times beck you go, oh, my gosh, Yes,
• 32:35
  Speaker 2: let's talk about it. Oh, went out for coffee with
• 32:38
  Speaker 2: a couple of girlfriends, And we might find there are
• 32:40
  Speaker 2: some really beautiful reasons why you fell off the bandwagon,
• 32:44
  Speaker 2: or we might find an underlying problem, Like we might
• 32:47
  Speaker 2: find something that's underlying that's really just not helping you
• 32:50
  Speaker 2: that we need to work through. Yeah, I was feeling
• 32:52
  Speaker 2: like trash about myself at work, so I popped downstairs
• 32:54
  Speaker 2: and got another coffee because, like I was, just thought
• 32:57
  Speaker 2: it would perk me up.
• 32:59
  Speaker 3: Yeah, And do you feel no, Absolutely not exactly.
• 33:03
  Speaker 2: So we really want to work through these things and
• 33:06
  Speaker 2: be able to spot patterns and then realign to ensure
• 33:09
  Speaker 2: that the plan that we've put in place evolves with
• 33:12
  Speaker 2: you and grows with you and is the right fit
• 33:14
  Speaker 2: for you. So it means that we're able to keep
• 33:16
  Speaker 2: our financial goals super relevant and also achievable. I think
• 33:20
  Speaker 2: it's about I don't know, mid course correction to keep
• 33:24
  Speaker 2: your money on track and you on track. Because I
• 33:27
  Speaker 2: see this all the time, and I used to be
• 33:29
  Speaker 2: very and I'm still very guilty of this. I'll set
• 33:32
  Speaker 2: a goal, say I'm working towards it. I'll commit to
• 33:35
  Speaker 2: my husband and be like I'm going to do x
• 33:36
  Speaker 2: y zed this month, and then we check in a
• 33:39
  Speaker 2: month later and I haven't done it, and I'm like,
• 33:42
  Speaker 2: oh maybe next month. Yes about that, don't look this way.
• 33:48
  Speaker 2: How about we talk about you, and that I think
• 33:53
  Speaker 2: is really important to reflect on because if I don't
• 33:56
  Speaker 2: identify why that has happened, it's just going to happen
• 33:59
  Speaker 2: the next month. Sure, So like, let's identify why that's
• 34:02
  Speaker 2: happening so that I can get on course and maybe
• 34:05
  Speaker 2: reach out for my partner's support in staying on course.
• 34:08
  Speaker 2: If it's that important to me. Yes, So what's next Next?
• 34:12
  Speaker 2: We're going to look at areas that you might be
• 34:13
  Speaker 2: able to improve, and we need to remember here that
• 34:16
  Speaker 2: your money date judgment free zone. Ye, Like I can
• 34:19
  Speaker 2: say to my husband in that safe space, now, I
• 34:23
  Speaker 2: wouldn't spend ten million a house, but also twenty dollars
• 34:26
  Speaker 2: bottle of wine on a weeknight, you're insane. I think
• 34:30
  Speaker 2: it's these conversations that are really important in a relationship.
• 34:34
  Speaker 2: And it's funny because there's such a juxtaposition often even
• 34:38
  Speaker 2: in my spending where my values are really reflective, like
• 34:42
  Speaker 2: I'll buy a very expensive skirt. Let's pretend I spent
• 34:47
  Speaker 2: a couple of hundred dollars on an outfit or a
• 34:49
  Speaker 2: skirt that I really wanted back. But then I look
• 34:51
  Speaker 2: at white T shirts and I'm like, I am not
• 34:54
  Speaker 2: spending more than ten dollars on that. You can get
• 34:56
  Speaker 2: that a kmart, Like why do designer companies do white
• 35:00
  Speaker 2: T shirts? But that's my money values and yours might
• 35:04
  Speaker 2: be different totally. You might be like Victoria, that's insane.
• 35:08
  Speaker 2: I would never spend anything more than fifty dollars on
• 35:11
  Speaker 2: a scale or twenty dollars, or I would never even
• 35:13
  Speaker 2: buy anything new, And that's your values. But Mina here,
• 35:17
  Speaker 2: there and everywhere, and I feel like that's a good thing. Yeah.
• 35:21
  Speaker 2: I feel like there's this idea that because you have money,
• 35:24
  Speaker 2: you should spend more of it. This certainly is right, Like, obviously,
• 35:30
  Speaker 2: because Victoria has some money, she should always have expensive things. Nah,
• 35:34
  Speaker 2: it doesn't spark joy bye, Absolutely not. So. I think
• 35:38
  Speaker 2: it's about planning where we can improve and then just
• 35:41
  Speaker 2: getting into the nitty gritty of it. If you're like
• 35:43
  Speaker 2: I really want to save some more money, We're going
• 35:45
  Speaker 2: to plan out our upcoming expenses. Be like, all right, Beck,
• 35:48
  Speaker 2: what next bill is coming up? Is it going into winter?
• 35:51
  Speaker 2: Do you reckon our electricity is going to be more expensive.
• 35:53
  Speaker 2: Let's have a look at what last year's was and
• 35:55
  Speaker 2: what we spent on that, or it's coming into summer. Yeah,
• 35:58
  Speaker 2: we're gonna use our AIRCN more. How much did that
• 36:01
  Speaker 2: cost last year? So that we can predict some things,
• 36:04
  Speaker 2: We're gonna have a look at our subscriptions. I think
• 36:06
  Speaker 2: the thing with subscriptions is beck you can get rid
• 36:08
  Speaker 2: of them and get them back whenever you want.
• 36:11
  Speaker 3: That's so true. I don't feel like a failure, but
• 36:13
  Speaker 3: it shouldn't be that way.
• 36:14
  Speaker 2: Just delete it if like you're going away for a
• 36:16
  Speaker 2: month and you're not going to be on your TV,
• 36:18
  Speaker 2: or like you know, you've got a busy work period,
• 36:20
  Speaker 2: you're rid of Netflix. I'm sorry. Netflix is probably not
• 36:22
  Speaker 2: going to sponsor me because I keep being like, just
• 36:24
  Speaker 2: delete it. It's fine, but like you can get it
• 36:26
  Speaker 2: back later. And you know what, my favorite thing about
• 36:28
  Speaker 2: this is I delete stuff all the time. If you
• 36:32
  Speaker 2: go into your Apple subscriptions, you can see where they
• 36:35
  Speaker 2: all are because I subscribe through my phone and through Apple.
• 36:39
  Speaker 2: The amount of times I delete Netflix and then they
• 36:41
  Speaker 2: email me or welcome back off it like, yes, yeah,
• 36:44
  Speaker 2: you're right, there is a new series I'm interested in,
• 36:45
  Speaker 2: and I'm willing to pay you this month on and
• 36:48
  Speaker 2: off and on, and I can't be trusted honestly, or
• 36:50
  Speaker 2: even upcoming life events, like let's make sure that we
• 36:54
  Speaker 2: are planning for things. So if you've got a wedding
• 36:56
  Speaker 2: coming up, like how much is that going to cost?
• 36:57
  Speaker 2: Like what are you going to wear? Are you getting
• 36:59
  Speaker 2: a gift? Like it's transportation or accommodation or whatever. I
• 37:02
  Speaker 2: just think it's a really good opportunity to try something
• 37:05
  Speaker 2: new or make mini challenges. Yeah, like mini challenges. I
• 37:09
  Speaker 2: do this in my personal life and I do it
• 37:11
  Speaker 2: in my work life. So at work, I often make
• 37:14
  Speaker 2: mini challenges for my team and die and we have
• 37:17
  Speaker 2: like a month of focus on one particular topic. So
• 37:20
  Speaker 2: like one month that might be about you know, client leads,
• 37:24
  Speaker 2: or it might be about automation and system processes or whatnot.
• 37:28
  Speaker 2: But I just go all right, it's kind of like
• 37:29
  Speaker 2: a sprint. We're just going to do this for a month.
• 37:31
  Speaker 2: So instead of always talking about like, oh, I'd really
• 37:34
  Speaker 2: love to automate a few processes now, no, no, this
• 37:36
  Speaker 2: is the month to do it. You can do that
• 37:38
  Speaker 2: with your budget as well. You could be like, okay, cool,
• 37:40
  Speaker 2: this month, we're really focusing on automation. What else can
• 37:44
  Speaker 2: I automate?
• 37:45
  Speaker 1: Like?
• 37:45
  Speaker 2: Can I automate this? What can I do? And I
• 37:47
  Speaker 2: think it's about you know, maybe you could like do
• 37:50
  Speaker 2: a no spend week. We don't have to do it forever. Like,
• 37:53
  Speaker 2: if cutting back on your spending Beck is challenging for you,
• 37:57
  Speaker 2: what about we just do it on a really small scale,
• 37:59
  Speaker 2: like intimate fast. Yeah yeah, but that's much easier.
• 38:02
  Speaker 3: Right.
• 38:03
  Speaker 2: What if I said to you, Beck, this year you
• 38:05
  Speaker 2: have to spend less.
• 38:07
  Speaker 3: I would know even what to do.
• 38:10
  Speaker 2: Okay, But what if I said, hey, Beck, let's have
• 38:12
  Speaker 2: a no spend week. Oh yeah, Like I feel like
• 38:15
  Speaker 2: your rise to a challenge. Oh yeah, say less. I
• 38:18
  Speaker 2: can do it for a week. Yeah, I can do
• 38:20
  Speaker 2: anything money, I can do anything for a week. Fantastic.
• 38:23
  Speaker 2: But can we do that? Can we try meal prepping?
• 38:27
  Speaker 2: How many people have you spoken to are like I
• 38:28
  Speaker 2: could never meal prep. It's just not for me. Okay,
• 38:32
  Speaker 2: I hate it. Try it. Just try try it. And
• 38:35
  Speaker 2: you know what, I know Beck's tried it and hates it,
• 38:38
  Speaker 2: hate it, But you tried it, absolutely tried it. And
• 38:41
  Speaker 2: I think that's important. Set yourself a goal of I
• 38:43
  Speaker 2: don't know, clearing out the pantry and the fridge before
• 38:45
  Speaker 2: you go to the supermarket. Yeah, like, maybe you set
• 38:48
  Speaker 2: a goal for yourself that this month is a month
• 38:50
  Speaker 2: to save money on food. Like we're not going to
• 38:52
  Speaker 2: do it forever, but like, maybe you're going to go
• 38:54
  Speaker 2: above and beyond this month to be as frugal as
• 38:57
  Speaker 2: possible on food because at the end of the month,
• 39:00
  Speaker 2: you might have some cool new habits. You might learn
• 39:02
  Speaker 2: that you never want to do that again as well,
• 39:04
  Speaker 2: but you might have some cool new habits. You might
• 39:06
  Speaker 2: have found, you know, a new recipe for work lunches
• 39:08
  Speaker 2: that is really budget friendly that you actually like and
• 39:11
  Speaker 2: it's super easy. Or you might find that shopping your
• 39:14
  Speaker 2: pantry first is actually something you can get around really easily.
• 39:17
  Speaker 2: Oh my god, so true. Like there are just small
• 39:19
  Speaker 2: things that doing a little challenge could then mean that
• 39:23
  Speaker 2: you implement better financial habits in the future. I might
• 39:26
  Speaker 2: accidentally pick up a great habit. I think it's worth it.
• 39:28
  Speaker 2: And also maybe you're finally looking at your superbalance. I
• 39:31
  Speaker 2: don't know, slippery slope, guys.
• 39:33
  Speaker 3: Okay, so we've got our plan, Yeah, how do we
• 39:35
  Speaker 3: wrap up our money date?
• 39:36
  Speaker 2: So you're coming to the end of your money date. Yeah,
• 39:38
  Speaker 2: it's a bit awkward. Likes you can you can do
• 39:42
  Speaker 2: whatever you want. A little bit more challenging if it's
• 39:45
  Speaker 2: a single money date, but like, do whatever you wish.
• 39:48
  Speaker 2: I'm going to sound a little bit woo woo Delulu,
• 39:51
  Speaker 2: I don't even mind. But trust me, there again is
• 39:54
  Speaker 2: a little bit of science behind this. But you know
• 39:56
  Speaker 2: what we're degreeing, Beck, We're always ending our money dates
• 39:59
  Speaker 2: with gratitge intentions.
• 40:01
  Speaker 3: Great, love it.
• 40:01
  Speaker 2: I love it as well, and it sounds lame, but
• 40:04
  Speaker 2: it's so nice. So you're going to write down together
• 40:09
  Speaker 2: or on your own what you're grateful for, and then
• 40:11
  Speaker 2: you're going to pair it with clear financial goals. You're
• 40:14
  Speaker 2: not just planning, you're actively boosting your chances of success because,
• 40:18
  Speaker 2: as you know, I'm statscal and I really love to
• 40:21
  Speaker 2: dive into the research of like the psychology of money
• 40:24
  Speaker 2: and what that looks like. Don't be surprised if one
• 40:26
  Speaker 2: day I come into the office and I'm like, I'm
• 40:27
  Speaker 2: doing my PhD in the psychology of money. How elite
• 40:32
  Speaker 2: would that?
• 40:32
  Speaker 1: Oh?
• 40:33
  Speaker 2: Man, I can see that's pretty slope. But research shows
• 40:36
  Speaker 2: that practicing gratitude actually lowers stress increases motivation, while setting
• 40:41
  Speaker 2: intention creates a roadmap to keep you on track. Gorgeous,
• 40:45
  Speaker 2: so sexy. Yeah, and then together they're going to create
• 40:48
  Speaker 2: I don't know, a really powerful mindset for you that
• 40:51
  Speaker 2: helps you achieve your goals faster and with more focus.
• 40:54
  Speaker 2: And we love that.
• 40:55
  Speaker 3: We love that. That's what we need.
• 40:56
  Speaker 2: We love that, Beck, absolutely, how do we do that exactly?
• 41:00
  Speaker 2: You write it down, but we're writing yes, but what
• 41:03
  Speaker 2: I was saying before, so we really want to celebrate
• 41:05
  Speaker 2: our progress. So celebrate not only your savings or what
• 41:09
  Speaker 2: date you've paid off or you know that you checked
• 41:12
  Speaker 2: your superbalance this month for the first time ever, but
• 41:15
  Speaker 2: let's celebrate the fact that you actually showed up. You
• 41:17
  Speaker 2: did this. That is so good and I'm just so
• 41:20
  Speaker 2: excited because past you would never future you is very thankful.
• 41:25
  Speaker 2: Oh yes, And then we're going to write down three
• 41:28
  Speaker 2: things that we're grateful for. I don't know why we
• 41:30
  Speaker 2: do three, but I always do three. Sure if you
• 41:32
  Speaker 2: got more, like, if you ever written down what you're
• 41:34
  Speaker 2: grateful for? I have I feel shy, even though I'm
• 41:37
  Speaker 2: the only one right, I don't have it. You don't
• 41:38
  Speaker 2: have to tell me.
• 41:39
  Speaker 3: But what no, No, But like as I'm writing, I
• 41:41
  Speaker 3: feel shy for some reason, do you know what I mean?
• 41:42
  Speaker 2: Yeah, I used to have this Kiki k Journal and
• 41:45
  Speaker 2: it was a daily journal of gratitude and it like
• 41:48
  Speaker 2: had prompts and that really helped me, because I'm not
• 41:50
  Speaker 2: the type of girl who just gets a piece of
• 41:51
  Speaker 2: haber out and then happily. Yes, maybe this is where
• 41:54
  Speaker 2: I get my three from. It asked me three things
• 41:56
  Speaker 2: I'm grateful for. My intentions were asked me how much
• 41:59
  Speaker 2: water i'd had. I quite liked that, so maybe I
• 42:01
  Speaker 2: need to go back to that. But we're going to
• 42:03
  Speaker 2: write down three things you're grateful for, but in your
• 42:05
  Speaker 2: financial journey, it doesn't need to be I guess, as
• 42:08
  Speaker 2: deep and meaningful as that kind of sounds, but you
• 42:11
  Speaker 2: could say, I'm really grateful that I made it through
• 42:14
  Speaker 2: the whole week and I didn't order Uber eats once. Mmmmm,
• 42:17
  Speaker 2: I love it. That's actually really big if you're somebody
• 42:19
  Speaker 2: that always falls onto Uber eats has like the backup dinner.
• 42:22
  Speaker 2: Or you might say I'm really grateful my account didn't
• 42:25
  Speaker 2: get declined when I tapped for petrol this month, yea like,
• 42:28
  Speaker 2: because those are small things that you just go. I
• 42:31
  Speaker 2: actually worked really hard for that not to happen, and
• 42:34
  Speaker 2: I remember being in those situations and I'd be like,
• 42:38
  Speaker 2: I hope this goes through. And either were a few
• 42:40
  Speaker 2: times where I just knew I didn't have the money,
• 42:43
  Speaker 2: but I'd had a previous experience where it had overdrawn
• 42:45
  Speaker 2: my account, and I was betting on the fact that
• 42:47
  Speaker 2: it would hopefully overdraw my account. Very stressful, it's very stressful,
• 42:50
  Speaker 2: but you just go, I hope this does and then
• 42:52
  Speaker 2: when it does, you're like, oh, thank God. But then
• 42:54
  Speaker 2: you're knowing that you have an overdrawn account. But that's
• 42:57
  Speaker 2: okay as long as you're out of there. Because I
• 42:59
  Speaker 2: wasn't always good with money, beck No, And I think
• 43:01
  Speaker 2: that that's why I'm now good with money because I
• 43:04
  Speaker 2: learned I don't have to do that or I can
• 43:08
  Speaker 2: change that about me. And I mean, if I can
• 43:10
  Speaker 2: do it, you can do it. If you can do it,
• 43:12
  Speaker 2: and I can do it, anyone can do it, like
• 43:14
  Speaker 2: it's the best. And then we're going to set an intention,
• 43:16
  Speaker 2: So what's one thing that you could do next month
• 43:20
  Speaker 2: to keep that going? Like if you were like, oh,
• 43:21
  Speaker 2: my God, I didn't order Uber Eats once. I'm so
• 43:24
  Speaker 2: proud of myself. Like do you want to continue that? Like?
• 43:28
  Speaker 2: How would you continue that? Like what's an intention to
• 43:30
  Speaker 2: maintain that goal? And then, of course before it's over,
• 43:33
  Speaker 2: I want you to pull out your calendar. When are
• 43:36
  Speaker 2: we having an X money date?
• 43:37
  Speaker 3: Beck?
• 43:38
  Speaker 2: We're going to put it back in because if you
• 43:40
  Speaker 2: don't make the appointment right then and there, it's not
• 43:44
  Speaker 2: gonna happen. No, that's so true. It's like when I
• 43:46
  Speaker 2: get my lashes done. Yeah, very niche experience. But if
• 43:50
  Speaker 2: I do not rebook my lash appointment, then then there
• 43:53
  Speaker 2: they become real scraggly. I don't book for weeks, I
• 43:57
  Speaker 2: can't go into the time for it. They end up
• 43:59
  Speaker 2: all come out. I have to set a whole new
• 44:01
  Speaker 2: appointment to get a full set again, instead of maintaining
• 44:04
  Speaker 2: them like I should have in the first place. So
• 44:06
  Speaker 2: what have I learned? That we always have to set
• 44:08
  Speaker 2: the appointment before I leave the premises, and the same
• 44:10
  Speaker 2: thing happens for your money dates? Unrelatable for you. I
• 44:14
  Speaker 2: don't mean you've ever had last extensions, but you know
• 44:17
  Speaker 2: what I mean, right, Oh? Absolutely, I do this all
• 44:20
  Speaker 2: the time.
• 44:20
  Speaker 3: You would have said it then there or you would
• 44:22
  Speaker 3: never ever going back, So don't forget last step.
• 44:25
  Speaker 2: But I would say maybe the most.
• 44:26
  Speaker 3: Important, so obviously Valanheine's day. I mean, I think we
• 44:32
  Speaker 3: should give everyone a gift.
• 44:34
  Speaker 2: I think we should. If they got to the end
• 44:35
  Speaker 2: of this episode, they deserve a gift. You're still we
• 44:37
  Speaker 2: didn't mention it earlier because if you didn't get the
• 44:40
  Speaker 2: full way through that you're not getting the pressy. That's cheeky.
• 44:42
  Speaker 2: But you know, I love a guide, you know, I
• 44:45
  Speaker 2: love making documents and things that I can distribute among
• 44:48
  Speaker 2: the community. I mean, you remember our savings charts. Oh,
• 44:51
  Speaker 2: one of my favorite things ever. But I've made it
• 44:54
  Speaker 2: a little bit easier for you. So we've put together
• 44:56
  Speaker 2: a very cute guide for running your money date. Oh cute.
• 45:00
  Speaker 2: There is a version for couples, and there's obviously a
• 45:01
  Speaker 2: version for singles, and we've included more than thirty different
• 45:04
  Speaker 2: prompts to get your conversation going. So I'll link that
• 45:07
  Speaker 2: in the show notes. Download it for free, money win.
• 45:10
  Speaker 2: That is so sweet. It's so cute too, It's so aesthetic.
• 45:13
  Speaker 2: I got our graphic designer to make it look very,
• 45:16
  Speaker 2: very pretty, so that you like, feel like your money
• 45:18
  Speaker 2: date is a little bit fancy.
• 45:20
  Speaker 3: That is so cute, I actually think I might download that.
• 45:22
  Speaker 2: Yeah, I'm going to send it to you. Don't worry.
• 45:24
  Speaker 2: I'll send it to Jess as well and be like
• 45:25
  Speaker 2: use this on bed.
• 45:26
  Speaker 3: Yes, please absolutely, Now, don't forget press follow and subscribe
• 45:30
  Speaker 3: to the podcast so we can keep.
• 45:31
  Speaker 2: Bringing you the content you adore. And my friends, remember
• 45:34
  Speaker 2: that money dates they don't just have to be about numbers.
• 45:37
  Speaker 2: They're about building a relationship with your finances and then
• 45:40
  Speaker 2: feeling good and achieving goals and creating the life that
• 45:43
  Speaker 2: you deserve. Happy Valentine's Day next week, My loves, Happy
• 45:47
  Speaker 2: Valentine's Day. Bye.
• 45:54
  Speaker 4: The advice shared on Cheese on the Money is generally
• 45:56
  Speaker 4: nature and does not consider your individual circumstances. She's on
• 46:00
  Speaker 4: the Money exists purely for educational purposes and should not
• 46:04
  Speaker 4: be relied upon to make an investment or financial decision.
• 46:07
  Speaker 2: If you do choose to buy a financial.
• 46:09
  Speaker 4: Product, read the PDS TMD and obtain appropriate financial advice.
• 46:13
  Speaker 2: Tailored towards your needs.
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