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MONEY DIARIES: Loving the Inner Child · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
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Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
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Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming
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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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Speaker 1: and the storytelling of you to make a difference for
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Speaker 1: today and lasting impact for tomorrow.
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Speaker 2: Let's get into it.
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Speaker 3: She's on the Money, She's on the Money.
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Speaker 2: Hello, and welcome to She's on the Money, the podcast
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Speaker 2: for millennials who want financial freedom. Welcome back to another
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Speaker 2: one of our money diaries where we get to talk
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Speaker 2: with one of our beautiful She's on the Money community
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Speaker 2: members all about their money story. Let's jump straight into it,
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Speaker 2: because this week I got a message and it went
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Speaker 2: like this, Hi, Victoria. I grew up with the polar
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Speaker 2: opposite immigrant parents, tiger parent versus carefree. I went on
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Speaker 2: to earn minimum wage in a toxic work environment and
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Speaker 2: felt so lost to tripling my income in a job
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Speaker 2: and team that I absolutely adore. I have a DIY
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Speaker 2: investment portfolio, a side hustle in the wedding industry that
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Speaker 2: had a one hundred and fifty k profit within the
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Speaker 2: first nine months of its starting. But most importantly, repairing
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Speaker 2: the relationship with my inner child, and having the best
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Speaker 2: circle of friends that love and support me unconditionally. Looking back,
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Speaker 2: everything I've been through has been preparing me for the
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Speaker 2: life I'm living now. Money Diarist, what a beautiful story.
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Speaker 4: Thank you.
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Speaker 2: I'm so excited to talk to you. Before we jump
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Speaker 2: into the structured questions, though, I want to know if
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Speaker 2: I asked you to give yourself a grade of your
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Speaker 2: money habits all the way from A through F, what
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Speaker 2: would you say your money habits are.
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Speaker 4: I think if you asked me like two years ago,
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Speaker 4: I'll give you like an A, because I was like
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Speaker 4: clean of like saving and like budgeting. And now I
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Speaker 4: think I'm sitting around like a B or a C.
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Speaker 4: I think I really fell off that slippery slope.
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Speaker 2: Why do you think you fell off the slippery slope.
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Speaker 4: I think lifestyle creep is a huge thing for me,
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Speaker 4: which is terrible to save. But I think as I
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Speaker 4: started earning more. I started, you know, treating myself a
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Speaker 4: bit too much and going on like really nice holidays,
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Speaker 4: like splurging on really nice facials, dog toys, stuff like that.
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Speaker 2: I love that you're like holidays and dog toys.
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Speaker 4: I have no self control, like, especially when I go
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Speaker 4: on holidays toys.
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Speaker 2: I feel like that's really relatable though, and it makes sense.
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Speaker 4: Yeah, yeah. And then it got to a point. I
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Speaker 4: think last year I realized I didn't really save any money.
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Speaker 4: I just spent it all.
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Speaker 2: Oh my god, were you heartbroken when you worked that out?
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Speaker 4: I was more concerned, like you know when you just
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Speaker 4: get horrified about what you've done, and it was all me,
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Speaker 4: so no one to blame but myself.
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Speaker 2: Yes, I totally do. I have absolutely been there, all right.
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Speaker 2: I feel like I've gotten a fairly good vibe of
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Speaker 2: where you're at at the moment. But I want to know,
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Speaker 2: can you tell us a little bit more about your
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Speaker 2: money story.
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Speaker 4: I touched on when I wrote in that I grew
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Speaker 4: up with two immigrant parents. My mum was always very strict.
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Speaker 4: She was a typical tyger parent, you know the one
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Speaker 4: that you know her doctor, you're a lawyer or engineer
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Speaker 4: or you're just a disappointment. Oh no, yeah, And my
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Speaker 4: dad was always more like, you know, be happy and everything.
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Speaker 4: So when I finished high school, I didn't go down
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Speaker 4: the traditional doctor path. I went and I studied media,
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Speaker 4: and then I kind of thought that if I got
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Speaker 4: a job which paid nicely, and you know how media
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Speaker 4: is kind of typical for being underpaid, especially when you're starting.
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Speaker 4: So I thought, event if I work myself up to
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Speaker 4: make a nice size income, it will be something that
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Speaker 4: you know, my mom in particular, my parents would acknowledge
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Speaker 4: what I do. So when I started within the media industry,
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Speaker 4: I was earning I think forty five grand pro rather
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Speaker 4: by the way, it was basically.
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Speaker 2: Which is a pretty standard starter, yeah.
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Speaker 4: Which is basically a good starter. Then I left that
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Speaker 4: to earn around sixty and that was post COVID, So
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Speaker 4: I basically got really bored and just wanted a job
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Speaker 4: at home because I quit my job after UNI, thinking
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Speaker 4: I'm going to get travel, I'm going to have the
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Speaker 4: time of my life, find myself, and then COVID happened
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Speaker 4: and shut all my plans down. So I got this
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Speaker 4: job also within the media field, and it was the
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Speaker 4: most toxic environment i've ever been in. I think the
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Speaker 4: red flags were flying off when I first started my
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Speaker 4: interview with the managing director, and then it just kind
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Speaker 4: of felt like very mean girls with like thirty year
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Speaker 4: old men and women. It was very strange.
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Speaker 2: Oh my gosh.
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Speaker 1: No.
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Speaker 4: Yeah, there was this one instance where I think he
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Speaker 4: was one of the directors who'll go around asking everyone
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Speaker 4: for a coffee. So he'll be like, hey, Victoria, do
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Speaker 4: you want a coffee? Hehs, do you want a coffee?
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Speaker 4: Completely ignore one person in the room and skip them
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Speaker 4: and go the person sitting next to them, and it
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Speaker 4: was just so obvious. I just I think after my
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Speaker 4: first week there, I was like, I need to get
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Speaker 4: out of here, like I was so unhappy. And then
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Speaker 4: that's when I started mass applying to everything and was like,
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Speaker 4: even if I was not qualified at all, I just
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Speaker 4: applied anyway, Like what's the worst that could happen, that
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Speaker 4: will ghost me whatever, And then I landed this job here,
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Speaker 4: which I'm really happy with. Everyone's super lovely, getting paid
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Speaker 4: more than ever, but my mom still doesn't know what
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Speaker 4: I do.
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Speaker 2: She's great, Oh no, so what do you currently do
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Speaker 2: for work and how much money do you earn?
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Speaker 4: So I'm currently working in the dart in analytics space,
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Speaker 4: specifically marketing. So I'm a senior mark analysts and I
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Speaker 4: earn one hundred and thirty grand a year plus my
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Speaker 4: super plus a twenty percent bonus.
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Speaker 2: Oh wow, that's exciting.
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Speaker 4: Yeah, can considering way from like forty five grand to
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Speaker 4: one hundred and thirty within like a few years. That's
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Speaker 4: pretty cool. I love what I do. It's really it's
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Speaker 4: really interesting looking into like all the data stuff of
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Speaker 4: marketing and like first party data and everything as well.
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Speaker 4: And then I have a rental income of five hundred
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Speaker 4: and fifty a week and my wedding side hustle which
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Speaker 4: is ticking over two hundred and ten grand and becomes
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Speaker 4: our one year anniversary next month.
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Speaker 2: I need to know what do you do? How are
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Speaker 2: you doing it? What is this company? I just need
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Speaker 2: to know more.
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Speaker 4: Wedding photography and videography, which is really nice. Me and
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Speaker 4: my partner do it. He's a professional videographer and photographer
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Speaker 4: as a career, so he has all the gear and
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Speaker 4: all the knowledge behind that, and he needs to do
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Speaker 4: weddings as part of his media company. And then after
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Speaker 4: he sold it, people kept coming to him for like
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Speaker 4: shooting their weddings and stuff, and I was like, I'm
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Speaker 4: going to read and I'm going to take it away
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Speaker 4: from the traditional media vibe. So everything's very like soft pinks,
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Speaker 4: rich burgundies. Very nice. It also helps. I have a
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Speaker 4: background in marketing, so like paid marketing is.
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Speaker 2: Like one point and I'm very helpful.
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Speaker 4: Yeah, but yeah, it's a really nice thing we do
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Speaker 4: on the side.
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Speaker 2: Oh how exciting. That is so cool. So do you
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Speaker 2: work full time during the week and then do that
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Speaker 2: on the.
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Speaker 4: Weekends, Yeah, which becomes a lot.
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Speaker 2: It sounds like a lot.
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Speaker 4: Yeah, but we're really good. We kind of set a
7:31
Speaker 4: limit on how many we do a week or a month,
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Speaker 4: and then we just chop it off and if we
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Speaker 4: don't want to take it on, we don't. It's more
7:38
Speaker 4: important finding the people that you know, suits our vibe,
7:41
Speaker 4: that we get along with, because I think we spend
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Speaker 4: the whole day with you, like we're there the whole day.
7:46
Speaker 4: There's no going anywhere. If you don't feel comfortable with us,
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Speaker 4: it makes for a very awkward portrait session.
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Speaker 1: Yeah.
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Speaker 2: One hundred percent. One hundred percent. So you are absolutely
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Speaker 2: smashing it. You've basically tripled your income and you and
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Speaker 2: your partner have this epic wedding side hustle business. Talk
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Speaker 2: to me about what your big money goal at the
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Speaker 2: moment is.
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Speaker 4: I would love to have my own little home in
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Speaker 4: Sydney that's where I'm based, with a backyard for my dogs,
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Speaker 4: which kind of puts me of like purchase price well
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Speaker 4: into like two meal around there if you want like
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Speaker 4: a backyard, So not the cheapest place to buy a property.
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Speaker 4: I think that's a goal within the next few years
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Speaker 4: that we might tick off, but for now, I really
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Speaker 4: want to travel a bit more.
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Speaker 2: That's so exciting. I feel like a big money goal
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Speaker 2: like that can be really overwhelming, but it sounds like
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Speaker 2: you're really optimistic about it.
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Speaker 1: Yeah.
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Speaker 4: I think it helps with the side dussle.
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Speaker 2: Oh totally. And to be super pervy, what does your
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Speaker 2: partner do Monday to Friday, nine to five.
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Speaker 4: He has a media agency.
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Speaker 2: Yeah, awesome, So he's got his own thing going on,
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Speaker 2: and then you've got this wedding thing together and then
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Speaker 2: you are absolutely killing it in your career. That's all
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Speaker 2: so so exciting, all right, I have so many questions.
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Speaker 2: We're going to kind of really quick break and then
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Speaker 2: when we get back, I actually want to ask you
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Speaker 2: a little bit more about that rental income you mentioned.
9:05
Speaker 2: Don't go anywhere, guys, money diarist. You mentioned before that
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Speaker 2: you have a five hundred and fifty dollars per week
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Speaker 2: rental income. How did that come to be? How did
9:18
Speaker 2: you end up with rental income? Is this your property
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Speaker 2: you and your partners? Like, when did you first purchase?
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Speaker 2: I want to know all the juicy details.
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Speaker 4: It is my property that I purchased. It's inter state,
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Speaker 4: so the property is in Brisbane. So I purchased it
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Speaker 4: two years ago, which is the anniversary of my fixed
9:34
Speaker 4: rate coming off fix, which is quite depressing.
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Speaker 2: Yeah.
9:39
Speaker 4: So my brother goes to UNI up in Brisbane, so
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Speaker 4: he was using like student accommodation for a while, and
9:45
Speaker 4: then it got to a point where we realized he
9:47
Speaker 4: wasn't coming back to Sydney to study or anything, so
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Speaker 4: we figured that I might as well buy it up there.
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Speaker 4: He paid me very minimum rent for the first year
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Speaker 4: that he was there, and then he moved out with
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Speaker 4: his girlfriend and I got like a a tenant in
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Speaker 4: giving me proper rent, which was nice. Do you want
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Speaker 4: to know the finances behind?
10:04
Speaker 2: Yeah? I was gonna say that is so exciting I
10:06
Speaker 2: would love to know more about how you saved for
10:09
Speaker 2: that first property, given you haven't been in your current
10:12
Speaker 2: role as long as that property has been owned.
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Speaker 4: It was a lot of saving for my Europe. Chope,
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Speaker 4: it's just my whole Europe funds went into there, So
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Speaker 4: I think I put down I purchased the property for
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Speaker 4: four hundred and forty thousand, so I think I put
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Speaker 4: down around one hundred eighty grand on it.
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Speaker 2: Oh my gosh, how on earth did you come to
10:32
Speaker 2: have that much savings? I'm so impressed.
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Speaker 4: I worked a lot when I was in Uni. I
10:38
Speaker 4: think I started, like first year out of UNI, just
10:41
Speaker 4: doing like your typical retail jobs. I mostly stocked cosmetics,
10:45
Speaker 4: so I worked at Sofara and Mecha, which paid a
10:47
Speaker 4: little bit better than normal like clothing retail. And then
10:51
Speaker 4: all the money that I saved from working just all
10:53
Speaker 4: went into that, which made me feel really sad when
10:56
Speaker 4: I like signed all my money away. But it's good.
10:59
Speaker 4: It's a lot in value. I had it revalued recently
11:02
Speaker 4: and it is six hundred k. Now it's quite a
11:05
Speaker 4: bit of equity, which is nice. I'm hoping I can
11:07
Speaker 4: use that. Oh my gosh, what yeah, I think I
11:11
Speaker 4: bought pre COVID.
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Speaker 2: Yeah, no, but all of that works out really nicely
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Speaker 2: to have purchased for four forty and now it's worth
11:17
Speaker 2: six hundred K. You absolutely need to come and talk
11:20
Speaker 2: to one of our Zello brokers to see what you
11:22
Speaker 2: can do as your next step.
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Speaker 4: Yeah, definitely, all right.
11:26
Speaker 2: Next question I have for you, so we already know
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Speaker 2: about your property, talk to me about debts. What is
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Speaker 2: the mortgage on that currently and do you have any
11:34
Speaker 2: other debts?
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Speaker 4: So I have the current mortgage. I wrote this all
11:37
Speaker 4: down for you. The current mortgage three hundred and fifty
11:40
Speaker 4: grand on the home loan a thirty grand hexet. I
11:42
Speaker 4: did a double degree in media and commerce, may have
11:46
Speaker 4: failed the subject or two, so it's not looking pretty.
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Speaker 2: We won't talk about that. Thirty K for a double
11:51
Speaker 2: degree is pretty good.
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Speaker 4: Which I think it was sitting at around forty. I
11:55
Speaker 4: think it helps that I earn a little bit higher,
11:57
Speaker 4: so it takes away a bit more so when I
11:59
Speaker 4: get my pay slip if they all lump it into tax,
12:02
Speaker 4: so all my normal income tax with my hextare all
12:05
Speaker 4: come out. Yeah, very sad amount to look at. And
12:08
Speaker 4: then I also salary sacrifice for my car, which costs
12:12
Speaker 4: me around seven hundred and fifty or fortnite. Oh cool, Yeah,
12:15
Speaker 4: but that pretty much seven to fifty that pays for
12:18
Speaker 4: the car, pays for my petrol, servicing, tires, any insurances,
12:22
Speaker 4: green slips and stuff like that. So the car is
12:25
Speaker 4: salary sacrifice for three years. I did go for a
12:28
Speaker 4: bougier car.
12:30
Speaker 2: I was about to say, so, you're saying it was
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Speaker 2: seven to fifty per fortnite, which according to my calculations
12:34
Speaker 2: is very close to maybe twenty thousand is Ish dollars
12:37
Speaker 2: a year, which if it's a three year loan, that's
12:39
Speaker 2: about sixty thousand dollars. What are you driving? We need
12:41
Speaker 2: to know Mercedes, a fancy girl car.
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Speaker 4: Yeah. The interior of the car, there's like the whole
12:48
Speaker 4: screen that goes across from the driver to the passenger side.
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Speaker 4: It was very bougie and I couldn't look last.
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Speaker 2: Well, we all have very different money goals. So do
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Speaker 2: you have any other their debts apart from the hex
13:02
Speaker 2: step that you mentioned and the mortgage and obviously your
13:04
Speaker 2: salary sacrificing a car, which let's call that a debt
13:07
Speaker 2: because it's a consistent repayment. You need to make.
13:09
Speaker 4: No no other debts.
13:11
Speaker 2: How exciting?
13:12
Speaker 1: All right?
13:12
Speaker 2: I want to know you said before, and so I'm
13:15
Speaker 2: really interested to know what you think this is. You're
13:17
Speaker 2: maybe now a B or a C, and two years
13:20
Speaker 2: ago maybe you were in A So I want to know, now,
13:22
Speaker 2: what do you think your best money habit is.
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Speaker 4: I'm that person that loves points, So I put all
13:29
Speaker 4: my expenses on my credit card and then I pay
13:31
Speaker 4: it off pretty much as I buy. So if I
13:34
Speaker 4: went to woo work spent two hundred bucks, I'll transfer
13:36
Speaker 4: to two hundred bucks and pay it off straight away. I've
13:38
Speaker 4: gone very strict with myself on that, which I guess
13:42
Speaker 4: also pays for my flights when I go traveling. So
13:45
Speaker 4: I've gotten like pretty nice flights for like one hundred
13:47
Speaker 4: and two hundred dollars because I just pay the taxes.
13:49
Speaker 2: I feel like I need to be better at this
13:51
Speaker 2: because everyone talks about how they're getting all these free
13:54
Speaker 2: flights and I just had to book flights recently for
13:56
Speaker 2: a trip that I'm going on and I didn't get anything.
13:59
Speaker 2: I think I put some points towards it that I
14:01
Speaker 2: had and I was like, what do you mean? I
14:02
Speaker 2: only get fifty bucks off what is this? Everybody gets
14:05
Speaker 2: free flights. I want free flights.
14:07
Speaker 4: You need to book the classic reward flights otherwise think
14:09
Speaker 4: it becomes like ridiculously expensive. There's like selected types of
14:13
Speaker 4: seats that they have opened.
14:14
Speaker 2: I need to get everybody's tips and tricks.
14:17
Speaker 4: I booked business class tickets to Europe for this year
14:19
Speaker 4: and it only cost me like three four hundred dollars return.
14:22
Speaker 2: So, oh my gosh.
14:24
Speaker 4: I think that's my best money habit. And then like
14:26
Speaker 4: your calls, your Wi words, your Quantus points and stuff.
14:29
Speaker 4: I'm with Medibank for my health insurance and they have
14:32
Speaker 4: this thing called the Live More app or Live Better
14:34
Speaker 4: or something like that, and you earn points which you
14:36
Speaker 4: can use to take money off your premiums. So I've
14:39
Speaker 4: been doing that and it saves me like two three
14:41
Speaker 4: hundred bucks a year.
14:42
Speaker 2: That's pretty exciting.
14:43
Speaker 4: Yeah, for like stuff you do, like getting your steps
14:45
Speaker 4: in or like reading book.
14:47
Speaker 2: Yes smart, Oh my gosh. All right, we'll flip it
14:49
Speaker 2: on its head. I want to know, what do you
14:51
Speaker 2: think your worst money habit is.
14:53
Speaker 4: I get hyper fixated on something and I won't stop
14:55
Speaker 4: until I get it. And most of the time that
14:59
Speaker 4: thing that I'm really fixated on is like a nice handbag,
15:02
Speaker 4: but it would be like a nice Chanel bag, which
15:05
Speaker 4: does not come to you. I think if I want something,
15:08
Speaker 4: I would get the best that there is on the
15:12
Speaker 4: market for it. In my head, I try and rationalize it.
15:15
Speaker 2: In your head. You try and rationalize it. How do
15:17
Speaker 2: we rationalize a Chanel bag?
15:19
Speaker 4: All the values increased? Heave so great investment.
15:22
Speaker 2: I feel like everybody says that. But if I'm going
15:25
Speaker 2: to buy a handbag, not only am I going to
15:27
Speaker 2: use it, but there's no way you're going to pry
15:29
Speaker 2: that off me and make me sell it. Like, yeah,
15:31
Speaker 2: it might increase in value, but I'm gonna keep that.
15:33
Speaker 2: Nobody's going to get that off me.
15:35
Speaker 4: It makes me feel better. I was like, if I
15:38
Speaker 4: wanted to, I could, but I'm not going to.
15:40
Speaker 2: That's fair. That's fair speaking about investments, and I mean
15:44
Speaker 2: Chanelle is probably not the best investment. In saying that,
15:46
Speaker 2: when it does come to the financial return of Chanell bags,
15:49
Speaker 2: I do believe over the last ten years they have
15:52
Speaker 2: performed better than the share market, which is a bit wild.
15:55
Speaker 2: But I want to know what do you currently invest
15:58
Speaker 2: in and how do you do that?
15:59
Speaker 4: Just mentioning on the Chanel bags. I bought a bag
16:02
Speaker 4: in I think twenty eighteen or twenty sixteen or something
16:06
Speaker 4: like that for three point five in our retails for
16:08
Speaker 4: seven grand. So just putting it out there not bad.
16:11
Speaker 2: Okay, that's good. But the real question here is are
16:14
Speaker 2: you selling it?
16:15
Speaker 4: No? But doesn't make me feel boder Yes.
16:20
Speaker 2: You're like, no, but it does make me feel better
16:22
Speaker 2: that it's worth that about.
16:23
Speaker 4: Yeah, it'll never part with it, but just.
16:26
Speaker 2: Knowing that's very fair. I want to know, though, tell
16:29
Speaker 2: me all about your DIY investment portfolio.
16:32
Speaker 4: So I think I have like fifteen or twenty grand
16:35
Speaker 4: sitting in it. It's mostly ETFs and a few shares
16:39
Speaker 4: that I just picked out because they sounded cool at
16:42
Speaker 4: the time. I think my first one I bought was
16:46
Speaker 4: I had no idea what I was buying. I was
16:48
Speaker 4: on the Comsec app on the Comsex website, and you
16:51
Speaker 4: know how there's a section that goes trending shares. I
16:54
Speaker 4: picked on that was trending and I bought it. Yeah,
16:56
Speaker 4: and it actually was like the best performer in my.
17:00
Speaker 2: For a solid investment strategy.
17:02
Speaker 4: Yeah. Other than that, it's just your usual ETFs, like
17:06
Speaker 4: the very common ones I've been putting money into. I
17:09
Speaker 4: was introduced to shares from pretty much after high school
17:13
Speaker 4: and UNI. I think it was something that my boyfriends
17:15
Speaker 4: at the time we were really into. So I dated
17:17
Speaker 4: someone that was an options trader, so that's all that
17:21
Speaker 4: he would talk about, and then other people that were
17:24
Speaker 4: like in the investment industry. So I learned a lot
17:27
Speaker 4: about different strategies and different what your different options are
17:30
Speaker 4: through them, which forever grateful even if it didn't work out,
17:34
Speaker 4: at least I learned something and moved on. I also
17:36
Speaker 4: have the investment property in Brisbane which is at six
17:39
Speaker 4: hundred K and super which is thirty K.
17:42
Speaker 2: Yeah, so good. I love that you've lumped in even
17:44
Speaker 2: though you have a DII investment platform, you've still included
17:47
Speaker 2: superannuation because it's so important to still see that as
17:51
Speaker 2: a proper investment, and that is actually putting you in
17:54
Speaker 2: a better position to working towards financial freedom. Now that
17:58
Speaker 2: we've had this chat, I feel like I've learned to
18:00
Speaker 2: lot about you. I feel like we're on the same
18:01
Speaker 2: page when it comes to valuing Chanell bags, but also
18:04
Speaker 2: maybe not wanting to part with them. I want to
18:07
Speaker 2: know you said earlier that I'd probably give myself a
18:10
Speaker 2: B or a C when it came to money habits.
18:12
Speaker 2: But I feel like you've got it pretty sorted out.
18:14
Speaker 2: You've got a really good income. You're earning one thirty
18:17
Speaker 2: plus super plus a twenty percent bonus, which to me
18:20
Speaker 2: is wild. You want to buy a home, You've already
18:23
Speaker 2: got an investment property, you're investing in Chares and Chanell.
18:26
Speaker 2: Do you still think you're sitting at a B or
18:28
Speaker 2: a C? Would you want to change that at all?
18:30
Speaker 4: I think still a BEER or a C. Like all
18:32
Speaker 4: that money that I made last year was all spence,
18:34
Speaker 4: so not the best on my behalf.
18:38
Speaker 2: That's very fair. I feel like being honest about our
18:40
Speaker 2: situations means we can put ourselves in a better one
18:43
Speaker 2: in the future, Money Direst. I have loved having this
18:46
Speaker 2: conversation with you. I feel like it's so interesting to
18:49
Speaker 2: talk to people, especially people like you. Where you said,
18:52
Speaker 2: I've grown up with immigrant parents. They were completely polar opposites,
18:56
Speaker 2: and it's so interesting to see what like types of
18:58
Speaker 2: personality traits you might have got either of them. Because
19:01
Speaker 2: now that you're talking about it, you are so structured
19:03
Speaker 2: and you are so good with it, and I don't
19:05
Speaker 2: think you're giving yourself as much credit as you could,
19:08
Speaker 2: which maybe leans towards your tiger mum. But then you're
19:11
Speaker 2: also kind of carefree, which leans a little bit more
19:14
Speaker 2: towards your dad, which is so beautiful to see it
19:16
Speaker 2: coming out in different ways.
19:17
Speaker 4: That's so nice.
19:18
Speaker 2: I think, thank you, no, well, thank you so much. Unfortunately,
19:24
Speaker 2: that is all we have time for today, and I'm
19:26
Speaker 2: sure we'll speak soon. Thank you so much for your
19:28
Speaker 2: money diary.
19:29
Speaker 4: Thanks for having me.
19:36
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19:39
Speaker 2: in nature and does not consider your individual circumstances. She's
19:43
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19:46
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19:52
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