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Transcript

Winners Are Grinners! · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it. She's on the Money.
• 0:36
  Speaker 3: She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on the Money, the podcast
• 1:01
  Speaker 4: for millennials who want financial freedom.
• 1:03
  Speaker 2: My friends, today is Friday again, which means it.
• 1:06
  Speaker 4: Is time to get my beautiful team together and celebrate
• 1:09
  Speaker 4: you ow incredible. She's on the Money community today, missus
• 1:13
  Speaker 4: J Grici is going to be sharing her favorite money
• 1:15
  Speaker 4: wins from our community. Beck has a few sneaky broke tips.
• 1:19
  Speaker 4: I don't have anything to contribute this week. I'm so sorry, Beck, Okay,
• 1:22
  Speaker 4: I ran out. There was one and done last week.
• 1:25
  Speaker 4: We'll be helping to answer a juicy money dilemma, which
• 1:28
  Speaker 4: this week is all about asking your partner to make
• 1:30
  Speaker 4: stubranuation contributions while you're on parental leave, which I think
• 1:34
  Speaker 4: is real less bussy because I don't know if you
• 1:35
  Speaker 4: guys know, but I'm pregnant and I have had this
• 1:38
  Speaker 4: conversation with my husband, so it's been interesting seeing both
• 1:43
  Speaker 4: sides of the coin. Like, obviously, as a staunch feminist advocate,
• 1:48
  Speaker 4: I want everybody to be thinking about their superannuation when
• 1:50
  Speaker 4: they take any type of leave from the workplace. But
• 1:53
  Speaker 4: now I'm the one also sitting down going, hey, husband,
• 1:56
  Speaker 4: what are we doing about this super thing?
• 1:58
  Speaker 2: Because like, I'm.
• 2:00
  Speaker 4: Not going to be happy if I'm behind of all people. Anyway,
• 2:04
  Speaker 4: We're also going to be unpacking something that you slid
• 2:06
  Speaker 4: into our DMS about which this week, get this, we're
• 2:09
  Speaker 4: going to be talking about a potentially deceptive friend and
• 2:12
  Speaker 4: a missing sum of cash.
• 2:15
  Speaker 5: Spicy ice, so juicy.
• 2:18
  Speaker 2: I love it.
• 2:19
  Speaker 4: All Right, guys, how have your weeks been before we
• 2:21
  Speaker 4: get into the episode and before we get to the
• 2:24
  Speaker 4: juicy stuff.
• 2:24
  Speaker 2: I don't know, maybe you have had juicy weeks.
• 2:26
  Speaker 6: You go first, yess, technically we've been to the Podcast Awards,
• 2:30
  Speaker 6: but because of time travel, we haven't been to the
• 2:33
  Speaker 6: podcast yet, so we're going tonight.
• 2:35
  Speaker 4: We're up for a couple of awards, which is so
• 2:38
  Speaker 4: exciting actually.
• 2:40
  Speaker 6: So nice, Like, obviously, awards don't mean anything, I'm.
• 2:44
  Speaker 2: Sorry, what they mean a lot to my little ego.
• 2:47
  Speaker 6: When someone recognizes I guess the hard work that you do,
• 2:49
  Speaker 6: it is just like so lovely because you know, obviously
• 2:54
  Speaker 6: we have had a few awards, and recently we were
• 2:57
  Speaker 6: finalists in the Telstra Best of Business Awards, which for
• 2:59
  Speaker 6: me was massive and while we didn't take away the win,
• 3:03
  Speaker 6: I was just we got the certificate in the mail
• 3:06
  Speaker 6: of like Queer.
• 3:07
  Speaker 4: A finalist, and I was just like, this just means
• 3:09
  Speaker 4: we're on the right track and we're doing the right things,
• 3:11
  Speaker 4: and people like the right people are seeing our content
• 3:14
  Speaker 4: and saying the stuff that you're doing is having an
• 3:17
  Speaker 4: impact because obviously there's heaps of podcasts around and the
• 3:21
  Speaker 4: idea that our podcast actually gets recognized.
• 3:23
  Speaker 2: To me is wild.
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  Speaker 4: Yeah, but also it's just really validating because I think
• 3:27
  Speaker 4: I'm doing the right thing. And I'll sit in this
• 3:29
  Speaker 4: room and I promise you guys will be like yeah, yeah, yeah,
• 3:32
  Speaker 4: we're so good at the right thing, but to have
• 3:34
  Speaker 4: an external party, go, hey, guys, that's pretty impressive.
• 3:38
  Speaker 2: You just go you serious.
• 3:39
  Speaker 4: So whether we win or tonight, I kind of don't mind.
• 3:42
  Speaker 4: It's just being in that lineup of like, hey, look
• 3:45
  Speaker 4: at all these other podcasts.
• 3:46
  Speaker 2: That we're up against.
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  Speaker 4: Yeah, because like the category we're up in, we're up
• 3:50
  Speaker 4: against our friend Glenn James, who I adore and I
• 3:52
  Speaker 4: think his podcast will be very hard to beat.
• 3:55
  Speaker 2: But then you know who else is in the category,
• 3:57
  Speaker 2: Mark Boris.
• 3:58
  Speaker 7: Yeah, I don't know how she's on the money when
• 4:00
  Speaker 7: it comes to being a good business.
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  Speaker 2: She's going to beat Mark Boris.
• 4:05
  Speaker 4: So yeah, I'll probably be eating some humble pie later
• 4:08
  Speaker 4: this week. But I'm just excited to be, you know,
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  Speaker 4: in the lineup with the big dogs.
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  Speaker 5: Yeah, very really very exciting. Yes, technically we have been,
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  Speaker 5: but I don't know yet if we I feel like
• 4:20
  Speaker 5: we had a fun time. Yeah, when we go, we
• 4:23
  Speaker 5: have another time. We have a fun time tonight. But yeah,
• 4:26
  Speaker 5: the week's been so good. It's just been sure, it's
• 4:30
  Speaker 5: been busy. Best friend's birthday on Wednesday?
• 4:33
  Speaker 2: Was my birthday? What are you talking about?
• 4:35
  Speaker 5: It was your birthday on Wednesday? I think you forgot friend,
• 4:40
  Speaker 5: I get it, but no, just real chill, real, nice,
• 4:42
  Speaker 5: well again, busy, busy and good and what are you good?
• 4:44
  Speaker 2: I did nothing, it was amazing.
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  Speaker 4: Spent some time with friends and family, took my dog
• 4:49
  Speaker 4: for a lot of walks. She was very happy. I
• 4:52
  Speaker 4: feel at the moment my favorite thing ever is literally
• 4:54
  Speaker 4: doing nothing on my weekends.
• 4:56
  Speaker 2: Like it's wild. It's absolutely whytn recover.
• 4:59
  Speaker 6: Yeah, this time of year, there's nothing I like more
• 5:01
  Speaker 6: than a quiet weekend.
• 5:02
  Speaker 4: Yeah, I've been spending a lot of time, just like
• 5:04
  Speaker 4: on TikTok watching Christmas videos. Real question, though, this isn't
• 5:08
  Speaker 4: an attack on New Jess, because you love Christmas. You
• 5:10
  Speaker 4: adore Christmas, and I know how you manage it, like
• 5:13
  Speaker 4: you always like add a few decorations to a pre
• 5:16
  Speaker 4: existing stash. But I've seen this year, specifically on TikTok
• 5:21
  Speaker 4: and Instagram videos, people being like here's my Christmas hall
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  Speaker 4: and then they're spending like my entire Christmas gift budget
• 5:30
  Speaker 4: or like redecorating their entire house. Whereas I've grown up
• 5:33
  Speaker 4: in a house where like the same Christmas decorations have
• 5:36
  Speaker 4: been coming out for like the last thirty years of
• 5:38
  Speaker 4: my life is that like we meant to be like
• 5:41
  Speaker 4: redecorating an entire tree and having a brand new theme.
• 5:44
  Speaker 2: Jess is excluded from me.
• 5:45
  Speaker 4: She can answer the question, but she's a Christmas girlie,
• 5:48
  Speaker 4: But like does.
• 5:49
  Speaker 2: It on a budget?
• 5:50
  Speaker 4: But I feel like I am seeing every influencer being like,
• 5:54
  Speaker 4: here's my pottery barn Hall and I bought two pottery
• 5:57
  Speaker 4: barn pillows recently for Christmas because I was upset and
• 6:00
  Speaker 4: I basically had to re mortgage my entire house. So like,
• 6:03
  Speaker 4: where are these women getting the money for the Christmas decorations?
• 6:06
  Speaker 5: Yeah, that's successive.
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  Speaker 6: Hey, lots of people are saying that this time of year,
• 6:10
  Speaker 6: Christmas Black Friday this year particularly, is feeling really consumer driven,
• 6:15
  Speaker 6: like very bye bye bye sales sale, like it started
• 6:18
  Speaker 6: earlier than normal, And like I have no issues with
• 6:21
  Speaker 6: that because, as you said, I love Christmas.
• 6:22
  Speaker 2: I will celebrate it for three months. I was, I
• 6:23
  Speaker 2: don't see this as a personal day. I just want
• 6:25
  Speaker 2: to talk about this content.
• 6:27
  Speaker 6: No, but I think I don't wonder if it's got
• 6:29
  Speaker 6: something to do with the recession and the fact that
• 6:32
  Speaker 6: I think company.
• 6:33
  Speaker 2: Ellipstick index but it's the Christmas Index.
• 6:35
  Speaker 6: Well, yeah, I think companies are probably obviously trying to
• 6:37
  Speaker 6: drive sales because consumer spend jobs down and that's their job, correct,
• 6:41
  Speaker 6: But I think I mean for me, I know that
• 6:43
  Speaker 6: Christmas is really an emotional holiday, and that's why I
• 6:45
  Speaker 6: buy into it so much.
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  Speaker 2: Is it?
• 6:47
  Speaker 6: It has very special memories from me as a child,
• 6:49
  Speaker 6: and that's something I want to continue through. And so obviously, I,
• 6:53
  Speaker 6: like you said, I budget for it, Like I plan
• 6:55
  Speaker 6: for it. I'm not spending me on but I.
• 6:56
  Speaker 4: Know no one else's Yeah, just as a little wizard,
• 6:59
  Speaker 4: and if she wasn't, she wouldn't be on the ses
• 7:02
  Speaker 4: on the money team, like she's the best little budgeter.
• 7:04
  Speaker 4: I can't even Yeah, but I just know that everyone
• 7:07
  Speaker 4: on TikTok isn't doing that. They're just like racking up
• 7:09
  Speaker 4: their credit cards for so much Christmas content.
• 7:12
  Speaker 6: Yeah, and like it's easy to be sucked in even
• 7:14
  Speaker 6: all the sales, Like I keep having to remind myself
• 7:16
  Speaker 6: and I have a few money means on this note,
• 7:18
  Speaker 6: like you don't need everything that you see.
• 7:20
  Speaker 2: That's on tail, Like it's if you're still spending money.
• 7:23
  Speaker 4: Yeah, I feel like it just needs to be said
• 7:26
  Speaker 4: to go, you know what, that's actually not that normal,
• 7:28
  Speaker 4: Like most people just use the Christmas decorations they bought
• 7:31
  Speaker 4: the year before, and like I have a themed tree,
• 7:34
  Speaker 4: Like it's when I say themed, I mean it's like
• 7:36
  Speaker 4: one color palette and every year I like add a
• 7:39
  Speaker 4: few Christmas decorations to that or like, you know, I
• 7:42
  Speaker 4: don't know what are we talking, Jess, maybe like thirty dollars.
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  Speaker 2: I'll spend on that because like I will.
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  Speaker 4: Always wait until, like they have the sales on the
• 7:50
  Speaker 4: Christmas decorations and a full price Boxing day, no absolute Boxing.
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  Speaker 2: Day or even the lead up.
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  Speaker 4: Yeah, right now during the Black Friday sales. My favorite
• 8:00
  Speaker 4: Christmas decorations are like forty to sixty percent off, So
• 8:03
  Speaker 4: I'm like, well, I'm gonna pick those up because from memory,
• 8:05
  Speaker 4: they don't get cheaper on Boxing Day, they.
• 8:08
  Speaker 2: Just have they just have less stocks, so I need
• 8:10
  Speaker 2: it right now.
• 8:11
  Speaker 4: But I'll show maybe thirty bucks and get six or seven,
• 8:14
  Speaker 4: you know, additional decorations.
• 8:15
  Speaker 2: And I think that's normal. Yeah do you even have
• 8:18
  Speaker 2: to do that? No?
• 8:19
  Speaker 6: Yeah, normalized using what you have or like being with
• 8:22
  Speaker 6: what you have, Like I get it, Like I'm so
• 8:25
  Speaker 6: guilty of being sucked into it, like the social media
• 8:28
  Speaker 6: consumerist thing but this is your little reminder, like what
• 8:31
  Speaker 6: you have is perfectly good, and if you want to
• 8:33
  Speaker 6: update it, there are so many ways you can di
• 8:35
  Speaker 6: wire a little refresh, paint your ball balls if you
• 8:37
  Speaker 6: want a different color. Skime's so smart something like that, Like,
• 8:40
  Speaker 6: there are lots of little hacks and tricks that you
• 8:42
  Speaker 6: can news that you don't have to spend money to
• 8:43
  Speaker 6: make it feel new.
• 8:44
  Speaker 2: If that's what you are.
• 8:45
  Speaker 4: Exactly, all right, Well let's get into the actual show.
• 8:47
  Speaker 4: I just wanted to round about Christmas because any opportunity.
• 8:50
  Speaker 2: To talk about Christmas is a good one to take.
• 8:53
  Speaker 4: Miss z Gricci, what have you got when it comes
• 8:55
  Speaker 4: to money wins and confessions this week?
• 8:57
  Speaker 6: Starting off with a small, solid one from Kelsey said
• 9:00
  Speaker 6: something small but price matched my giant dog food bag.
• 9:03
  Speaker 6: It's usually one hundred and sixty dollars, but I got
• 9:05
  Speaker 6: it for one hundred and twenty two. And I also
• 9:07
  Speaker 6: had a ten dollar pet stock reward. Thirteen kilos of
• 9:10
  Speaker 6: dog food for one hundred.
• 9:11
  Speaker 2: And twelve dollars.
• 9:12
  Speaker 5: That's so cord.
• 9:13
  Speaker 6: I just price matching. Don't forget about price matching, especially
• 9:16
  Speaker 6: this time of year, because everything is on sale. Next
• 9:19
  Speaker 6: I have a money win from Kieran, who said I
• 9:21
  Speaker 6: saved six thousand dollars on top of my one thousand
• 9:24
  Speaker 6: dollar emergency fund. I'm planning on selling my car soon
• 9:27
  Speaker 6: and I am hoping to make four thousand dollars, so
• 9:29
  Speaker 6: I make my goal of saving ten grand to move overseats.
• 9:33
  Speaker 2: So far, if it all goes.
• 9:34
  Speaker 6: According to plan, I have reached my goal two months
• 9:36
  Speaker 6: earlier than I planned. Cosh very exciting. Now I've got
• 9:41
  Speaker 6: a money loss from Grace, who said money loss. I
• 9:44
  Speaker 6: caved to some Black Friday deals and Impulse brought some
• 9:46
  Speaker 6: once which have blown my budget out a little further
• 9:49
  Speaker 6: than I intended. But I'm taking this is my reminder
• 9:52
  Speaker 6: to sit down and fine tuned my budget and goals
• 9:54
  Speaker 6: to better hold myself accountable. And then on the flip
• 9:58
  Speaker 6: side of that, I have a win from now who
• 10:00
  Speaker 6: said money win. I'm taking advantage of the early Black
• 10:03
  Speaker 6: Friday sales. Let's start and finish my Christmas shopping so
• 10:06
  Speaker 6: I can start saving towards my red jo.
• 10:08
  Speaker 4: I feel like this is the reminder that I also
• 10:11
  Speaker 4: need like the Christmas thing I bring up because I
• 10:14
  Speaker 4: kind of started to play into it a little bit.
• 10:16
  Speaker 4: I was like, oh, yeah, maybe I will do. And Jesse,
• 10:18
  Speaker 4: you've already heard this from me. I was like, what
• 10:20
  Speaker 4: if I did an entire rainbow Christmas tree, like instead
• 10:23
  Speaker 4: of having my normal Christmas tree that I pull out
• 10:26
  Speaker 4: every single year because I have a plastic one.
• 10:28
  Speaker 2: Don't come for me, don't want to hear it.
• 10:30
  Speaker 4: But I said to Jess, oh my gosh, what if
• 10:32
  Speaker 4: I went and bought like all rainbow decorations so it
• 10:35
  Speaker 4: could be like an ombre.
• 10:36
  Speaker 2: From the top.
• 10:37
  Speaker 4: Think about it, red, orange, yellow, green, pinker blue, like
• 10:39
  Speaker 4: it would just be a sleigh. And Jess was obviously
• 10:43
  Speaker 4: all in because she's Christmas girlie. Like, if you want
• 10:46
  Speaker 4: Jess to talk you out of something, if you're her friend,
• 10:48
  Speaker 4: it's not going to happen.
• 10:49
  Speaker 2: She'll be like, huh, that sounds great, Let's do it. Bush.
• 10:53
  Speaker 4: I sat down and was like, hold up, wait, what
• 10:55
  Speaker 4: am I going to do with all these decorations once
• 10:56
  Speaker 4: Christmas is over?
• 10:57
  Speaker 2: What am I going to do?
• 10:58
  Speaker 1: You know?
• 10:59
  Speaker 4: At this point and then I was thinking a ways
• 11:01
  Speaker 4: to justify it. I was like, what if I videoed it?
• 11:04
  Speaker 2: Then it could be like content that I put on
• 11:06
  Speaker 2: the internet. Then it's like, you know, it makes sense?
• 11:08
  Speaker 4: Sure, No, you don't need the rainbow Christmas tree, so
• 11:11
  Speaker 4: I will be having a gold Christmas tree again.
• 11:14
  Speaker 5: Love yeah, lovely.
• 11:15
  Speaker 2: I just I can't justify it, guys.
• 11:18
  Speaker 6: Yeah, I just feel like Nellie and Grace two flip
• 11:20
  Speaker 6: sides of the way to look at it.
• 11:21
  Speaker 7: Right.
• 11:21
  Speaker 6: Likely you can be sucked in, and you can be
• 11:23
  Speaker 6: a little bit disappointed maybe in what you've bought, and
• 11:25
  Speaker 6: be a little bit stressed because you've pushed your budget out,
• 11:28
  Speaker 6: or you can use it to your advantage. The sales
• 11:30
  Speaker 6: aren't inherently bad. We talk a lot about just making
• 11:33
  Speaker 6: your list, checking it twice, making the sales work for you.
• 11:37
  Speaker 6: So yeah, I feel like it was just really interesting
• 11:39
  Speaker 6: that we had two people go kind of either way
• 11:41
  Speaker 6: on the same thread.
• 11:42
  Speaker 4: I think it's so funny it actually, if you haven't
• 11:44
  Speaker 4: seen our Instagram post as well from this week, we
• 11:47
  Speaker 4: did five questions to ask yourself before impulse buying on
• 11:50
  Speaker 4: Black Friday, and we posted that on Tuesday, So just
• 11:53
  Speaker 4: to give you a quick rundown, first question is ask
• 11:56
  Speaker 4: yourself do you really need it?
• 11:57
  Speaker 2: Second? Can I find a better deal late?
• 12:00
  Speaker 4: Because like so many times, Black Friday deals are so
• 12:03
  Speaker 4: impulsive that you never think you're going to get it
• 12:05
  Speaker 4: ever again. But then you kind of do a bit
• 12:07
  Speaker 4: of research on the product and you realize it gets
• 12:09
  Speaker 4: discounted every sale season.
• 12:10
  Speaker 5: Sure.
• 12:11
  Speaker 2: Number three does it fit your budget? Number four?
• 12:14
  Speaker 4: Have I waited twenty four hours before committing to purchase this?
• 12:17
  Speaker 4: And I promise Black Friday is not just one day?
• 12:20
  Speaker 6: Is it? Yes?
• 12:20
  Speaker 4: It's like a little season it because like two weeks
• 12:23
  Speaker 4: at least exactly, so like you do have time to
• 12:25
  Speaker 4: put twenty four hours between you and your spending. And
• 12:28
  Speaker 4: number five will I regret this tomorrow? So five questions
• 12:32
  Speaker 4: to ask yourself before you do that, and hopefully they
• 12:34
  Speaker 4: can help you stay off the confessions list in our
• 12:37
  Speaker 4: many Wins and Confession thread. But please add your confessions
• 12:40
  Speaker 4: because I feel like everyone feels so much more heard
• 12:43
  Speaker 4: when we share them. Yeah, it's not us going, oh, beck,
• 12:46
  Speaker 4: I can't believe it. It's literally us going, like girl,
• 12:48
  Speaker 4: we get it.
• 12:49
  Speaker 6: Good reminder, very good reminded, Thank you, Grace. Next money
• 12:52
  Speaker 6: We is from Sophie who said my usual train line
• 12:55
  Speaker 6: is being closed for eighteen months to allow for upgrades
• 12:58
  Speaker 6: and to compensate for the inconvenience, They're giving everybody six
• 13:01
  Speaker 6: months of.
• 13:02
  Speaker 2: Free travel on what the train you can't get on? Yeah?
• 13:07
  Speaker 6: Maybe life loss though, because the other options take so
• 13:09
  Speaker 6: much longer for me to get to work.
• 13:11
  Speaker 2: But at least it's free. I think you look, at
• 13:13
  Speaker 2: least it's free.
• 13:14
  Speaker 6: It's eighteen months.
• 13:15
  Speaker 2: Also, yeah, I'm like, oh the math mathing there.
• 13:19
  Speaker 4: Yes, someone needs to raise a few questions with our
• 13:23
  Speaker 4: council there.
• 13:24
  Speaker 5: I think whole eighteen months should be free. But I agree,
• 13:27
  Speaker 5: who am I? Who am I to say?
• 13:28
  Speaker 4: I think the entire eighteen months should be free because
• 13:32
  Speaker 4: you are being told that you're being put out for
• 13:33
  Speaker 4: eighteen months, and I mean free public transport when obviously
• 13:38
  Speaker 4: the train station is closed. It's like, actually the train
• 13:41
  Speaker 4: company's fault. Free public transport is not going to cost
• 13:44
  Speaker 4: them that much because the train's already running. It's not
• 13:47
  Speaker 4: like they are going to have to add additional services totally. Also,
• 13:50
  Speaker 4: it's going to cost our community member more because they're
• 13:52
  Speaker 4: probably going to have to drive to a different station
• 13:54
  Speaker 4: or find their way there somehow, which costs time and money.
• 13:58
  Speaker 5: Yeah, totally, but that's all.
• 14:00
  Speaker 6: Sophie seems happy she's taking the win. Lastly, I've got
• 14:03
  Speaker 6: one from Taylor who said money and life win. We
• 14:06
  Speaker 6: started fostering kittens this week.
• 14:09
  Speaker 2: Why is it a money?
• 14:10
  Speaker 6: When I hear you ask, cat Haven, which is the shelter,
• 14:12
  Speaker 6: pays for all of the food, the vet appointments, the toys,
• 14:15
  Speaker 6: and the other supplies. We get to look after these
• 14:17
  Speaker 6: sweet little babies at no extra costs. Great for us
• 14:20
  Speaker 6: because we've always wanted to have pets but aren't in
• 14:22
  Speaker 6: the position to be able to adopt financially or otherwise.
• 14:25
  Speaker 6: We get to help these little babies while they're overcoming
• 14:27
  Speaker 6: their cat flu and help them find their forever homes
• 14:30
  Speaker 6: by posting their profiles online.
• 14:32
  Speaker 2: She put a.
• 14:33
  Speaker 6: Cutey little pick of them all sleeping together.
• 14:35
  Speaker 4: Gosh, Now nobody tells Jess that this is an option
• 14:38
  Speaker 4: for her.
• 14:39
  Speaker 2: I was like, HI, could just have four more kittens?
• 14:41
  Speaker 4: Absolutely not, She's already got two.
• 14:45
  Speaker 2: She's just started selecting them.
• 14:47
  Speaker 6: Me and my boyfriend's cut me off at two unfortunately.
• 14:49
  Speaker 2: So I did mine. So what I did get this
• 14:51
  Speaker 2: was get a dog. That's I think here. And then
• 14:53
  Speaker 2: he said, no more pets.
• 14:54
  Speaker 4: No, we've already got three Victoria, And I was like,
• 14:57
  Speaker 4: all right, hear me out a baby.
• 14:59
  Speaker 2: So I'm winning.
• 15:01
  Speaker 6: I am win, adding to the group. Yeah, if you
• 15:02
  Speaker 6: can foster. It's a really good thing. And I know
• 15:05
  Speaker 6: that the shelters are really overwhelmed at the moment.
• 15:07
  Speaker 2: So I love it. They cover the costs, which is awesome.
• 15:09
  Speaker 2: That's really That was such a good note to end on. Yeah,
• 15:12
  Speaker 2: kittens and Christmas, Like what a good episody today?
• 15:17
  Speaker 5: Yes?
• 15:17
  Speaker 2: What have you got when it comes to broke tips
• 15:19
  Speaker 2: this week?
• 15:20
  Speaker 5: Okay? So, as per usual, I do have two from
• 15:22
  Speaker 5: the community and one from myself. So the first one
• 15:25
  Speaker 5: comes from Kimberly, who has given me a really good
• 15:29
  Speaker 5: lentil vegan chili con khan recipe. She says that using
• 15:32
  Speaker 5: red lentils as a meat substitute, which I know is
• 15:35
  Speaker 5: not ideal for everyone. If you're going in for a
• 15:37
  Speaker 5: chili con cahn, you kind of crave in that meat.
• 15:39
  Speaker 5: But if you're going for a.
• 15:40
  Speaker 2: Vegan, they're delicious, delicious.
• 15:43
  Speaker 4: I feel like lentils have that meatiness to them, especially
• 15:46
  Speaker 4: if you.
• 15:46
  Speaker 2: Cook them low and slow.
• 15:47
  Speaker 5: Totally totally.
• 15:49
  Speaker 2: I have fooled my husband in a number of yes.
• 15:51
  Speaker 5: And they're so filling. So for about ten to twelve dollars,
• 15:55
  Speaker 5: it makes twelve large serving delicious, So I mean, if
• 16:00
  Speaker 5: you want that recipe hit me up and I'll.
• 16:02
  Speaker 4: No no, no, no no, We'll put it on our Instagram
• 16:04
  Speaker 4: stories today, So you share that with me. We'll share
• 16:07
  Speaker 4: that with our new graphic designer, Georgia because get this,
• 16:10
  Speaker 4: that she's on the money team has had to glow up.
• 16:12
  Speaker 4: We have a real life, full time graphic designer.
• 16:17
  Speaker 2: Put it in a little recipe card for you guys.
• 16:19
  Speaker 2: Put it on our inst stories per perfect.
• 16:21
  Speaker 5: Actually believe chili con can Kimberly' chlicon can. Thank you
• 16:25
  Speaker 5: so much, Kimberly. And this next one comes from Kate
• 16:27
  Speaker 5: who says, Hi, beg, I have a broke tip for you.
• 16:29
  Speaker 5: End of year slash Christmas parties can get expensive, So
• 16:32
  Speaker 5: for our stealing Santa games, I've said to the team,
• 16:35
  Speaker 5: just find something around the house that you don't want
• 16:36
  Speaker 5: anymore and wrap it up. Plant clippings, veggies from your garden,
• 16:40
  Speaker 5: a plate that doesn't match the rest. It's a way
• 16:42
  Speaker 5: to declutter. And it's also I love this.
• 16:44
  Speaker 2: That is so fun.
• 16:46
  Speaker 5: That's I mean, it's it's great, Like, especially if you're
• 16:48
  Speaker 5: living in the share house, there's so many like random
• 16:50
  Speaker 5: plates that don't fit anything else.
• 16:52
  Speaker 6: It's just going to be really funny. I feel everyone
• 16:54
  Speaker 6: like opening the bad Santa Presents.
• 16:56
  Speaker 2: It's gonna be I can't really love that.
• 16:58
  Speaker 4: It also gives me little sister vibes, so like I
• 17:02
  Speaker 4: have a little sister Alex.
• 17:04
  Speaker 2: If you're listening, love you, please look away.
• 17:07
  Speaker 4: But every time she comes to my house, it's basically like,
• 17:09
  Speaker 4: what can I steal from you? Yeah, kind of situation. Yea,
• 17:12
  Speaker 4: she always wants my stuff. Surely other people do too.
• 17:15
  Speaker 5: Totally totally. There's something that someone has in the house
• 17:19
  Speaker 5: that surely is like nothing to them, but it's it's
• 17:21
  Speaker 5: treasure to someone else.
• 17:23
  Speaker 2: So I love it makes for a really entertaining time.
• 17:26
  Speaker 5: So yeah, absolutely, I love it. So thank you so
• 17:29
  Speaker 5: much for that one.
• 17:29
  Speaker 1: Kate.
• 17:29
  Speaker 2: All right, Beck, what is your personal broake tip from
• 17:32
  Speaker 2: this week?
• 17:32
  Speaker 7: Then?
• 17:33
  Speaker 5: Okay, so this one, as usual's a little bit rogue.
• 17:35
  Speaker 5: But I was listening to this thing about embracing rejection
• 17:38
  Speaker 5: and this kind of ties in somehow. So basically, if
• 17:42
  Speaker 5: you're I'm a little bit too awkward for this. But
• 17:45
  Speaker 5: if you're out and about and you're wanting to i
• 17:48
  Speaker 5: don't know, price match or try and get some free
• 17:50
  Speaker 5: let's say cookie with your coffee order or something, like
• 17:53
  Speaker 5: embracing rejection means literally just asking the people around you.
• 18:00
  Speaker 2: Audacity is high, but not that high.
• 18:02
  Speaker 5: I know, I know me too, And this is like
• 18:04
  Speaker 5: it's so good for maybe like every now and then
• 18:08
  Speaker 5: getting a free sweet treat or getting a free like
• 18:10
  Speaker 5: you never know what you're gonna get. You might have
• 18:12
  Speaker 5: like something be reduced, a price of the price of
• 18:14
  Speaker 5: something be reduced. Like I was saying a few weeks
• 18:16
  Speaker 5: ago how my friend was going overseas and asked if
• 18:18
  Speaker 5: the accommodation place could match her budget. They did it.
• 18:22
  Speaker 5: So just asking people, just asking for freebies, just asking
• 18:26
  Speaker 5: for discounts, asking for you know, you never know how
• 18:29
  Speaker 5: far you get. Also, it's like it's character building as well.
• 18:32
  Speaker 2: Yeahs my character built in that way.
• 18:34
  Speaker 6: I can if you don't ask, the answers always know.
• 18:37
  Speaker 6: Isn't that the same exactly?
• 18:38
  Speaker 4: I say that all the time, but like I couldn't
• 18:40
  Speaker 4: ask for a free cookie, like like I know that.
• 18:42
  Speaker 2: That's so I don't know, maybe it's not as scary.
• 18:45
  Speaker 4: If anybody has been doing this, can you smide into
• 18:48
  Speaker 4: our DMS and tell us how you've been doing it
• 18:51
  Speaker 4: without it being weird? Because I cannot imagine going to
• 18:54
  Speaker 4: my local cafe and being like, yep, butchuoit lates thank you?
• 18:56
  Speaker 2: Also, do you have any free cookies? Like how do
• 18:58
  Speaker 2: you ask count thing?
• 19:00
  Speaker 6: Like maybe you say, oh, is there some kind of specialist?
• 19:02
  Speaker 2: I buy a coffee and a cookie?
• 19:04
  Speaker 5: Totally you have.
• 19:05
  Speaker 6: To pay for the cookie too, well, like they might
• 19:08
  Speaker 6: just go oh no, no, specially go okay, just the coffee,
• 19:10
  Speaker 6: thank you totally if I agree, like okay, I need
• 19:13
  Speaker 6: the language a lot.
• 19:15
  Speaker 2: But if you say, is there some kind of deal?
• 19:17
  Speaker 6: I feel like older people, like my parents, especially my
• 19:20
  Speaker 6: dad was always really good at this, because I think
• 19:22
  Speaker 6: you get to a point where you're just not embarrassed anymore.
• 19:24
  Speaker 6: You're like, well, what they say no? So what like
• 19:26
  Speaker 6: do I care? Like is that the I do right now?
• 19:28
  Speaker 2: Well that's it.
• 19:29
  Speaker 6: I think we get so stressy about it. But if
• 19:32
  Speaker 6: you just ask can, they say no, and you're oh,
• 19:34
  Speaker 6: that's all right, that's fine.
• 19:35
  Speaker 4: Like I did get gifted a free cookie the other
• 19:37
  Speaker 4: day though, so I didn't ask for it though I
• 19:39
  Speaker 4: was in Subway, because I've recently fallen back in love
• 19:42
  Speaker 4: with subway, like just sourd sandwiches.
• 19:44
  Speaker 2: Subway I know so good and I'm always yes, but.
• 19:49
  Speaker 4: Every time not sponsored, I'm always so like happy with
• 19:54
  Speaker 4: the price point to you. Anyway, the girl was like, oh,
• 19:56
  Speaker 4: do you want a cookie? And I said yes because
• 19:59
  Speaker 4: I felt awkward, but she just gave it to me
• 20:00
  Speaker 4: for free.
• 20:01
  Speaker 2: I thought I was gonna have to pay dream and
• 20:02
  Speaker 2: way delicious. It wasn't that. It was my first Subway cookie,
• 20:06
  Speaker 2: the macadamia. I haven't had that one, the one with
• 20:10
  Speaker 2: the little in lem and ms.
• 20:11
  Speaker 5: Oh that's new, that's new to the rotation.
• 20:15
  Speaker 6: Okay, we really sound like we're plugging.
• 20:19
  Speaker 2: So we can like Subway for you all work together.
• 20:22
  Speaker 4: I currently am obsessed with you, but that's okay, all right, Well, Beck,
• 20:25
  Speaker 4: I like that tip.
• 20:26
  Speaker 5: Thank you.
• 20:27
  Speaker 4: I do really want to hear from the people in
• 20:29
  Speaker 4: our community who have the audacity to ask, like, can
• 20:31
  Speaker 4: you just like give us a little bit of.
• 20:32
  Speaker 2: A like tutorial.
• 20:33
  Speaker 4: How do we also have that audacity because right now
• 20:36
  Speaker 4: I feel really uncomfortable and we shouldn't feel uncomfortable.
• 20:39
  Speaker 2: So please share. But let's go to a really quick break.
• 20:42
  Speaker 4: Maybe we can get a cookie, and after the break
• 20:45
  Speaker 4: we're going to be talking about how do you ask
• 20:47
  Speaker 4: your partner to make super contributions during your parental leave
• 20:50
  Speaker 4: and we're going to unpack something you slid into our
• 20:53
  Speaker 4: DMS about guys.
• 20:53
  Speaker 2: I'm excited about this one. It's about a potentially deceptive
• 20:57
  Speaker 2: friend and are missing summer cash. Don't go anywhere. Welcome back, everybody.
• 21:07
  Speaker 6: Let's take a listen to this week's money dilemma.
• 21:11
  Speaker 4: Hi.
• 21:12
  Speaker 7: There, have you got a money dilemma you just can't solve?
• 21:15
  Speaker 7: The She's on the Money team is here to help.
• 21:17
  Speaker 7: Every week we tackle your dilemmas, both big and small,
• 21:20
  Speaker 7: to answer your most burning money.
• 21:22
  Speaker 2: Career and life questions.
• 21:23
  Speaker 7: To get involved, simply head to our website and leave
• 21:26
  Speaker 7: us a short voice recording and you might just find
• 21:28
  Speaker 7: yourself on the show.
• 21:30
  Speaker 2: Now, let's take a listen to this week's money dilemma.
• 21:35
  Speaker 8: Hi, guys, absolutely love the podcast. My question is around.
• 21:39
  Speaker 8: You've mentioned a few times your husband or partner contributing
• 21:43
  Speaker 8: to your super while you know off having a child.
• 21:47
  Speaker 8: So to give you some context, I earn significantly more
• 21:51
  Speaker 8: than my husband. I'm on one hundred and twenty five
• 21:53
  Speaker 8: thousand and he's one fifty five thousand. In our everyday life,
• 21:57
  Speaker 8: this work's fine. We split everything five percentage of out come.
• 22:01
  Speaker 8: I just don't even know how to consider the super
• 22:03
  Speaker 8: topic while off having a baby, and I'm frustrated a
• 22:07
  Speaker 8: system that is making it complex for me to be
• 22:11
  Speaker 8: the high income earner and then also to have a
• 22:15
  Speaker 8: child the way I would like to take the time
• 22:17
  Speaker 8: off and those sort of things.
• 22:19
  Speaker 1: Thank you.
• 22:20
  Speaker 4: I find this a really interesting one because usually you're
• 22:23
  Speaker 4: asking for superannuation contributions because you're going to be significantly
• 22:27
  Speaker 4: behind when you return to the workforce. And obviously, let's
• 22:31
  Speaker 4: pretend you're taking twelve months, because I feel like that
• 22:33
  Speaker 4: seems to be the average amount of time in in
• 22:35
  Speaker 4: my friendship group, So that kind of makes most sense
• 22:38
  Speaker 4: to me to use as an example.
• 22:39
  Speaker 2: And she didn't tell us.
• 22:40
  Speaker 4: But at the end of the day, I want your
• 22:43
  Speaker 4: partner and you to have this conversation about contributing to
• 22:47
  Speaker 4: superannuation while you're on parental leave, because I don't want you, individually,
• 22:51
  Speaker 4: or anyone at all to be going back into the
• 22:54
  Speaker 4: workforce and having a twelve month period when no contributions
• 22:58
  Speaker 4: are made at all. Now, if you treat everything as
• 23:01
  Speaker 4: kind of equal, well it wouldn't be a Now, beck
• 23:04
  Speaker 4: you have to pay for my super contributions.
• 23:07
  Speaker 2: The conversation from my perspective, would.
• 23:09
  Speaker 4: Be more around how are we as a couple who
• 23:12
  Speaker 4: now have a limited budget, going to make sure that
• 23:15
  Speaker 4: I don't miss out financially for my super because at
• 23:18
  Speaker 4: the end of the day, it's not just about you,
• 23:20
  Speaker 4: it's about you and your partner. They're going to miss
• 23:22
  Speaker 4: out too, because if you you know, in a happy,
• 23:25
  Speaker 4: go lucky world, you stay together forever and it's all
• 23:27
  Speaker 4: sunshine and roses. Well, that super contribution decision that we're
• 23:31
  Speaker 4: making today will put you both ahead in retirement.
• 23:34
  Speaker 2: If something happens in your relationship, at least.
• 23:37
  Speaker 4: You haven't fallen behind because of the parenting decisions that
• 23:40
  Speaker 4: you made you at the time, made because they were
• 23:43
  Speaker 4: best for your family. So it's all about making sure
• 23:46
  Speaker 4: that we are financially stable. So the contribution isn't about going, oh,
• 23:50
  Speaker 4: my spouse has to make that from his pay. It
• 23:53
  Speaker 4: could actually come out of your parental leave pay, it
• 23:56
  Speaker 4: could come from some savings, it could.
• 23:58
  Speaker 2: Come from anywhere. There are some benefits to it.
• 24:01
  Speaker 4: So if your partner is earning less than you, what
• 24:04
  Speaker 4: you can do is a spouse super contribution. It's a
• 24:07
  Speaker 4: voluntary after tax contribution into the superfund of your choice obviously,
• 24:11
  Speaker 4: but the person making the payments, So your husband in
• 24:14
  Speaker 4: this circumstance could make the contribution and like do the transfer,
• 24:18
  Speaker 4: but they can actually benefit from a tax offset of
• 24:21
  Speaker 4: up to eighteen percent for contributions of up to three
• 24:25
  Speaker 4: grand a year.
• 24:26
  Speaker 2: So that's a money win. If we look at.
• 24:28
  Speaker 4: You, know, you just do some basic maths, your usual
• 24:31
  Speaker 4: tax rate and because what our friend wrote in is
• 24:35
  Speaker 4: thirty two and a half cents in the dollar inside superannuation,
• 24:39
  Speaker 4: the average tax rate is fifteen cents, so that's obviously
• 24:42
  Speaker 4: very sexy. And what usually happens is if you make
• 24:45
  Speaker 4: a co contribution or an after tax contribution to superannuation,
• 24:50
  Speaker 4: come tax time, the ato go, ah, you paid thirty
• 24:54
  Speaker 4: two and a half cents on the money that you
• 24:56
  Speaker 4: put in. Let me give you a refund of that
• 24:58
  Speaker 4: fifteen cents in a dollar to make sure that you're okay.
• 25:01
  Speaker 4: But they're giving you a little bonus now it's eighteen
• 25:04
  Speaker 4: so there's like a little bit of a money catch there,
• 25:07
  Speaker 4: which is very nice and obviously a way to I
• 25:10
  Speaker 4: guess encourage you to.
• 25:11
  Speaker 2: Make these contributions.
• 25:13
  Speaker 4: But when it comes to who should be paying it,
• 25:15
  Speaker 4: it's not actually going hey, husband, you have to it's Hey,
• 25:19
  Speaker 4: our family budget looks like this, and superannuation and my
• 25:22
  Speaker 4: retirement and financial freedom is really important to me.
• 25:25
  Speaker 2: How are we making sure that I'm not missing.
• 25:26
  Speaker 4: A year in the market, because compound interest is incredibly
• 25:30
  Speaker 4: powerful and missing a year actually does put you back significantly.
• 25:36
  Speaker 2: What do you reckon, Jess?
• 25:37
  Speaker 4: How would you approach this conversation, because as we all know,
• 25:40
  Speaker 4: you're the big dog in the relationship at this point
• 25:42
  Speaker 4: in time.
• 25:43
  Speaker 6: Yeah, I feel like maybe fifty thousand if you're going
• 25:46
  Speaker 6: to be living just on that salary, and then obviously
• 25:48
  Speaker 6: whatever parental leave you're entitled.
• 25:51
  Speaker 2: To, it's not a lot of money to stretch.
• 25:53
  Speaker 6: So I feel like potentially maybe saying, hey, like I
• 25:55
  Speaker 6: don't expect my super contributions to be at where they
• 25:58
  Speaker 6: are because eleven percent, and of course one hundred and
• 26:01
  Speaker 6: twenty five thousand is significantly more than you know, eleven
• 26:04
  Speaker 6: percent of what your part would be earning it at
• 26:06
  Speaker 6: fifty thousand, So maybe go Okay, well at a minimum
• 26:09
  Speaker 6: wage point, because that's how the government calculates parental leave.
• 26:12
  Speaker 6: I think like it's based off of the minimum wage.
• 26:14
  Speaker 6: Maybe you contribute to your super as if you're earning
• 26:18
  Speaker 6: minimum wage instead, as your money is still going in,
• 26:21
  Speaker 6: maybe it's a little bit more attainable within the means
• 26:23
  Speaker 6: of you know, the salary that you're living off of,
• 26:26
  Speaker 6: but contributions are still being made, like it's not as
• 26:28
  Speaker 6: if no money is being put in, so you are
• 26:30
  Speaker 6: still taking advantage of compound interest. And that's kind of
• 26:33
  Speaker 6: a middle ground because I can see how for the
• 26:35
  Speaker 6: partner that might be stressful and for you as well
• 26:38
  Speaker 6: if you're trying to live off this one wage and
• 26:39
  Speaker 6: you're just trying to pay your bills and pay for
• 26:41
  Speaker 6: all of the newborn expenses and then contributing that touperanuation
• 26:44
  Speaker 6: at such a high amount could maybe feel like a stretch.
• 26:47
  Speaker 6: So maybe it's approaching it and saying, hey, can we
• 26:50
  Speaker 6: find a rate that does fit within our budget that
• 26:53
  Speaker 6: we can contribute, and you know, if we need to
• 26:55
  Speaker 6: make some other sacrifices to make that work, that's what
• 26:58
  Speaker 6: we do, because it's a small amount to be living
• 27:00
  Speaker 6: a love as a family of three. But I think
• 27:03
  Speaker 6: you're totally right like explaining why it's important as well,
• 27:06
  Speaker 6: because I think.
• 27:08
  Speaker 2: Men, particularly but people.
• 27:10
  Speaker 6: Generally, like I've had this conversation with my friends and
• 27:12
  Speaker 6: a lot of them had never thought about it either.
• 27:14
  Speaker 6: You don't really think about the superat and you don't
• 27:16
  Speaker 6: think about the fact that if you aren't contributing while
• 27:19
  Speaker 6: you're on parental leave, that that has a really significant
• 27:22
  Speaker 6: impact on you down the tracks. Even running the numbers
• 27:24
  Speaker 6: and being like, hey, like I miss out on five
• 27:27
  Speaker 6: thousand dollars over the course of the year, and in
• 27:29
  Speaker 6: thirty years that five thousand dollars could have been x,
• 27:31
  Speaker 6: you know, So explaining the numbers to them, I think,
• 27:34
  Speaker 6: and showing them the why and what it means, and
• 27:37
  Speaker 6: I suppose not making it seem as that you're just saying, oh,
• 27:40
  Speaker 6: I want money because that's what I always have. Because
• 27:42
  Speaker 6: I think if you approach the conversation with someone who's
• 27:45
  Speaker 6: never thought about it, they might just be a bit
• 27:46
  Speaker 6: taken aback from a lack of understanding. So educating them
• 27:50
  Speaker 6: might be really helpful in having that conversation and being
• 27:52
  Speaker 6: flexible in the amount I feel like is maybe the
• 27:54
  Speaker 6: best way to make it work.
• 27:55
  Speaker 2: I agree.
• 27:56
  Speaker 4: I think it's so important to talk about it as well,
• 28:00
  Speaker 4: and maybe not just go, oh, the only way is
• 28:03
  Speaker 4: for my partner to contribute, because there are a number
• 28:05
  Speaker 4: of different super strategies you could implement, right, Like, you
• 28:08
  Speaker 4: could do a number of things. So I have had
• 28:10
  Speaker 4: clients historically go, oh, in the next couple of years,
• 28:13
  Speaker 4: I think I'm going to take leaves. So what I'm
• 28:14
  Speaker 4: going to do is bump up my super contributions by
• 28:17
  Speaker 4: two percent. And they've calculated that all out, so that
• 28:20
  Speaker 4: puts them a year ahead.
• 28:21
  Speaker 2: So they don't even have to have that conversation with
• 28:23
  Speaker 2: their partner.
• 28:24
  Speaker 4: Because parental leave is stressful, Like it's not something that.
• 28:29
  Speaker 2: Is you know, all sunshine and roses.
• 28:31
  Speaker 4: Like my husband and I are going through this like
• 28:33
  Speaker 4: planning stage at the moment where we go, okay, he
• 28:35
  Speaker 4: gets three months at his full time salary, right, so
• 28:39
  Speaker 4: we are currently trying to work out our budget for
• 28:41
  Speaker 4: him to take.
• 28:42
  Speaker 2: Six months at half pay.
• 28:44
  Speaker 4: Sure, but it's all about doing the maths and the
• 28:46
  Speaker 4: numbers and working it all out. I'm sure that if
• 28:48
  Speaker 4: you're in this circumstance, you're doing it too. But there's
• 28:51
  Speaker 4: a number of different strategies you can implement, So I
• 28:53
  Speaker 4: guess let's contextualize this too.
• 28:56
  Speaker 2: So research tells us that.
• 28:58
  Speaker 4: Two children could to one hundred thousand dollars in lost super.
• 29:03
  Speaker 2: So obviously we.
• 29:04
  Speaker 4: Have paid parental leave and all of these fun fancy things,
• 29:07
  Speaker 4: but not many of them include superannuation. And that's because
• 29:10
  Speaker 4: employers are not obligated to make super contributions while you're
• 29:13
  Speaker 4: on parental leave, which is great. One thing I think
• 29:16
  Speaker 4: that employers could be doing is going, you know what, Jess,
• 29:19
  Speaker 4: we are a small business. We might not be able
• 29:21
  Speaker 4: to pay you full time for that period of time,
• 29:23
  Speaker 4: but how about we do the government thing and your
• 29:25
  Speaker 4: super and then everybody is in a better position financially.
• 29:29
  Speaker 4: You can actually call your super fund as well and
• 29:32
  Speaker 4: let them know that you're going on parental leave, and
• 29:34
  Speaker 4: a lot of them will actually wave fees for that
• 29:36
  Speaker 4: period of time. So they'll waive fees on your insurances
• 29:40
  Speaker 4: because during that period of time you're not going to
• 29:42
  Speaker 4: be able to get income protection because you're on parental
• 29:45
  Speaker 4: leave and you don't have income, so they might wave
• 29:48
  Speaker 4: those fees. They might also be really kind and wave
• 29:51
  Speaker 4: your super fees. Like the ADMIN stuff again goes back
• 29:54
  Speaker 4: to you, Beck. What you're saying before got to have
• 29:57
  Speaker 4: a little bit of an audacity. What kind of deal
• 29:59
  Speaker 4: can you cut here? But the end of the day,
• 30:02
  Speaker 4: like lost super during parental leave.
• 30:04
  Speaker 2: I looked this up before. Analysis by Industry Super Australia shows.
• 30:09
  Speaker 4: A woman who spends five years out of the paid
• 30:11
  Speaker 4: workforce in her late twenties to early thirties could be
• 30:15
  Speaker 4: almost one hundred thousand dollars worse off in retirement and
• 30:18
  Speaker 4: that's a lot of money totally, so it's definitely ask
• 30:22
  Speaker 4: your partner what about co contributions? Can we afford this?
• 30:25
  Speaker 4: Can yours partner split their super so like, instead of
• 30:28
  Speaker 4: them getting their full super, can you have half of
• 30:31
  Speaker 4: it for that period of time so that you're both
• 30:33
  Speaker 4: on an equal playing field. Can you contribute in the
• 30:37
  Speaker 4: lead up to having children when you get back to
• 30:39
  Speaker 4: work if you didn't have any ability to contribute to super,
• 30:42
  Speaker 4: don't worry, guys, we're in a cost of living crisis.
• 30:44
  Speaker 2: I totally get it.
• 30:45
  Speaker 4: But could you bump it back up once you get
• 30:47
  Speaker 4: back to work to kind of get back to where you.
• 30:49
  Speaker 2: Needed to be?
• 30:50
  Speaker 4: And the other thing here is if we're caring so
• 30:52
  Speaker 4: much about SUPER contributions, have you reviewed your SUPER recently?
• 30:57
  Speaker 4: Is it the right fund for you to even during
• 31:00
  Speaker 4: this period of time?
• 31:02
  Speaker 2: And they performing well?
• 31:04
  Speaker 4: Like, it's not just about fees it's about fees, performance, structure,
• 31:07
  Speaker 4: your ethics, all of those things. And if you haven't
• 31:09
  Speaker 4: reviewed your super recently, now is the time because all
• 31:12
  Speaker 4: of this is wasted if you're not getting it back
• 31:14
  Speaker 4: on performance. So obviously this is a subtle shout out
• 31:18
  Speaker 4: as well to our friends at sky Wealth. They can
• 31:20
  Speaker 4: fix all of that for you, and we'll put their
• 31:22
  Speaker 4: info in the show notes. But it's one of those
• 31:24
  Speaker 4: things that you just go make sure that you've got
• 31:26
  Speaker 4: your ducks in a row.
• 31:27
  Speaker 2: But also their house is quite sturdy.
• 31:29
  Speaker 5: That's so true. And I mean, I have a lot
• 31:32
  Speaker 5: to add here, but I'm just gonna say there's a
• 31:34
  Speaker 5: lovely government organization women in super trying to bridge that gender.
• 31:40
  Speaker 2: Super gap, So you know they're cool.
• 31:43
  Speaker 5: Other than that, really, that's all from me. You guys
• 31:45
  Speaker 5: have fantastic advice.
• 31:48
  Speaker 2: We try a hardest.
• 31:49
  Speaker 4: Yeah, exactly what talking about it almost like I used
• 31:52
  Speaker 4: to be a financial advisor.
• 31:53
  Speaker 5: Yeah, you kind of seem like you used to feel
• 31:56
  Speaker 5: it's a bit weird.
• 31:56
  Speaker 2: It's a bit weird.
• 31:57
  Speaker 4: Let's move on though, because I have in trump at
• 32:00
  Speaker 4: that bit to get to this DM this week, because
• 32:03
  Speaker 4: when I baited it before and I was like a
• 32:05
  Speaker 4: potentially deceptive friend and are missing some of cash.
• 32:08
  Speaker 2: Surely you guys were also like, please let us add it.
• 32:11
  Speaker 2: We're dying. We're dying, all right. So are you ready
• 32:14
  Speaker 2: for the DM of the week? So ready? Here is
• 32:16
  Speaker 2: what we received. Girls. I'm going to need your thoughts
• 32:19
  Speaker 2: on this.
• 32:20
  Speaker 4: I was having issues with my card to pay for things,
• 32:23
  Speaker 4: and I needed to pay for a bunch of bills
• 32:25
  Speaker 4: as soon as possible, so I sent.
• 32:27
  Speaker 2: My friend some money.
• 32:28
  Speaker 4: It was around three hundred dollars and asked if she
• 32:30
  Speaker 4: could try paying them using her card because mine wasn't working.
• 32:34
  Speaker 4: She happily accepted me transferring her the money, but said
• 32:38
  Speaker 4: when she tried to pay the bills, it also didn't work.
• 32:41
  Speaker 4: So I asked her to transfer the cash back, and
• 32:44
  Speaker 4: that was over a week ago. She says she's already
• 32:47
  Speaker 4: sent it back and I should contact the bank because
• 32:49
  Speaker 4: there isn't anything else she can do. However, we've transferred
• 32:53
  Speaker 4: money between each other before and it happens instantly.
• 32:56
  Speaker 2: At the moment, I don't know what to think.
• 32:58
  Speaker 4: I trust her, That's why I sent her the money
• 33:01
  Speaker 4: in the first place, to help me, but I'm starting
• 33:04
  Speaker 4: to become sus on if she really sent it, but
• 33:07
  Speaker 4: I can't accuse her of this.
• 33:09
  Speaker 2: Do you think I could ask her.
• 33:10
  Speaker 4: To send her own money in the meantime until we
• 33:12
  Speaker 4: figure out where my money went. I desperately need that
• 33:15
  Speaker 4: money to pay my bills, which still aren't paid.
• 33:18
  Speaker 2: How would you handle these girls?
• 33:21
  Speaker 5: Oh? This is so tricky. The whole time, I'm thinking, like,
• 33:24
  Speaker 5: can she not send a screenshot of the transfer?
• 33:26
  Speaker 2: You know what I mean? But that's what I'd be
• 33:28
  Speaker 2: asking for. I'd be like, oh my god, I'll call
• 33:30
  Speaker 2: the bank. Can you please tell me what the reference
• 33:32
  Speaker 2: number was?
• 33:32
  Speaker 4: Yeah?
• 33:33
  Speaker 5: And also like it is scary because you're like, maybe
• 33:35
  Speaker 5: you sent it to a different person whose name looked
• 33:38
  Speaker 5: similar to mine, you weren't really paying attention, Like they're
• 33:41
  Speaker 5: just just I would just desperately want a screenshot, which
• 33:45
  Speaker 5: I know is also bad because it like kind of,
• 33:47
  Speaker 5: you know, suggests you don't trust that they sent it
• 33:49
  Speaker 5: or something.
• 33:50
  Speaker 4: But I think so I have literally sent money to
• 33:52
  Speaker 4: the wrong person before, haven't I jestedly when I say
• 33:56
  Speaker 4: that it was just sending my money to one of
• 33:58
  Speaker 4: my friends instead of a supply, it was.
• 34:01
  Speaker 2: A lot of money. Oh I see, not a good time.
• 34:04
  Speaker 4: And you know what shout out to Haley Short. I
• 34:06
  Speaker 4: know she listens to this podcast. She called me immediately and.
• 34:10
  Speaker 2: Was like, I don't think you meant to do this.
• 34:12
  Speaker 4: Can you please come and take it back asab And
• 34:14
  Speaker 4: I was like, yeah, I'm so sorry.
• 34:17
  Speaker 2: Thanks. That's really nice.
• 34:19
  Speaker 4: Yeah, because she's a wholesome human being. But it doesn't
• 34:22
  Speaker 4: sound like your friend is one.
• 34:23
  Speaker 2: So what do we do?
• 34:24
  Speaker 5: I guess. I guess also like, if you have that
• 34:27
  Speaker 5: relationship where you can borrow money from each other and
• 34:29
  Speaker 5: stuff like that, because it seems like you've transferred money
• 34:31
  Speaker 5: from the past, maybe you can ask to borrow the
• 34:33
  Speaker 5: three hundred dollars. And then I really don't know. I
• 34:35
  Speaker 5: guess you just need proof, is all I'm thinking.
• 34:38
  Speaker 6: Yeah, I feel like you've got to like, if she
• 34:42
  Speaker 6: hasn't done anything wrong, benefit of the doubt, and she's
• 34:44
  Speaker 6: just like, I don't know, like I sent the money,
• 34:46
  Speaker 6: there shouldn't be any issue with her sending the screenshot.
• 34:49
  Speaker 6: I feel like maybe rather than sending the screenshop get
• 34:52
  Speaker 6: together and say, hey, you know, I've spoken to my bank.
• 34:55
  Speaker 6: They need the reference number to be able to look
• 34:57
  Speaker 6: into it. Can you just put up on your phone
• 34:59
  Speaker 6: and and if she goes for whatever reason, she can't
• 35:02
  Speaker 6: say no dramas, let's try calling your bank, because we'll
• 35:05
  Speaker 6: need to verify your identity to get that information. I
• 35:08
  Speaker 6: can't call your bank and get that info for you.
• 35:10
  Speaker 6: Can we just give them a buzz now and be
• 35:12
  Speaker 6: honest and say, I just I really need it sorted,
• 35:14
  Speaker 6: because I, like, I have bills to pay.
• 35:17
  Speaker 2: I so agree with that.
• 35:19
  Speaker 4: I would just operate under the assumption that she has
• 35:21
  Speaker 4: not lied to you, because it's going to come out
• 35:24
  Speaker 4: in the wash like it's now, I guess twenty twenty three,
• 35:28
  Speaker 4: and everything is electronically documented. So I would do exactly
• 35:32
  Speaker 4: what Jess said and go, hey, can you send me
• 35:34
  Speaker 4: the reference number. I'm going to call my bank and
• 35:36
  Speaker 4: just have them follow up on it and maybe put
• 35:38
  Speaker 4: a little bit of the fear of God into her.
• 35:40
  Speaker 4: And you're like, oh, if you can't find that, maybe
• 35:42
  Speaker 4: we should really like flag your bank and my bank
• 35:44
  Speaker 4: for for aud Like, yeah, what's happened? Where has it gone?
• 35:47
  Speaker 4: Like my bank has confirmed it went to your bank.
• 35:50
  Speaker 4: What does this look like?
• 35:52
  Speaker 8: Ye?
• 35:52
  Speaker 4: Because essentially your friend's going to be backed into a
• 35:54
  Speaker 4: corner because the bank's going to go no, no, no, we
• 35:56
  Speaker 4: can see it got put into this account number this BSB. Hey,
• 36:00
  Speaker 4: we've done what you told us to do. Yeah, And
• 36:02
  Speaker 4: then from the flip side, you're right, go all right, Well.
• 36:05
  Speaker 2: When can I come over and we.
• 36:06
  Speaker 4: Can call your bank and like we can have a chat,
• 36:09
  Speaker 4: Like we can both be on the phone, because I
• 36:11
  Speaker 4: promise the money will probably be found very quickly or
• 36:14
  Speaker 4: you'll honestly brutal, you'll lose a friend really quickly.
• 36:18
  Speaker 6: Yeah, I mean the chance if it's always instant normally,
• 36:21
  Speaker 6: the chances of it taking with OSCO, if you've transferred,
• 36:24
  Speaker 6: it should be instantaneous, yes, And like I understand that
• 36:28
  Speaker 6: sometimes there can be like very short delays with processing
• 36:31
  Speaker 6: or whatever, but not over the course of a week,
• 36:33
  Speaker 6: I wouldn't think.
• 36:34
  Speaker 4: Yeah, And you always get people communicating with you as
• 36:37
  Speaker 4: well from the bank. So I have had, you know,
• 36:40
  Speaker 4: times where I've transferred money to a new person. I've
• 36:44
  Speaker 4: never had an issue with old So like I have
• 36:46
  Speaker 4: like everybody you know in my payroll, in everyone that
• 36:49
  Speaker 4: I send money to saved, and I feel like I
• 36:52
  Speaker 4: don't even get the security code text message anymore. They're
• 36:55
  Speaker 4: just like, oh, chuck your banking password in and you
• 36:57
  Speaker 4: can transfer it. Because this is a trusted trendransfer, but
• 37:01
  Speaker 4: if it's new, they actually will message you and be like, oh,
• 37:04
  Speaker 4: we've flagged this one. Can you please call us to
• 37:06
  Speaker 4: verify or can you please reply one via text message
• 37:09
  Speaker 4: to confirm this was you transferring this. So if they
• 37:13
  Speaker 4: hadn't communicated with you, it should have gone through immediately
• 37:16
  Speaker 4: from my perspective, because we're talking about three hundred dollars here,
• 37:19
  Speaker 4: not three hundred thousand, and you're trying to get a
• 37:21
  Speaker 4: home deposit across which takes a much bigger period of
• 37:25
  Speaker 4: time because of banking limits, So like I would get
• 37:28
  Speaker 4: it if you were, like, oh my god, because it
• 37:30
  Speaker 4: is stressful, right, Like I remember when we were buying
• 37:32
  Speaker 4: our first house and I had to transfer the deposit
• 37:35
  Speaker 4: for the house into the real estate like trust fund,
• 37:37
  Speaker 4: and I just remember being like those numbers.
• 37:40
  Speaker 2: Yeah, I checked my numbers fifty times.
• 37:41
  Speaker 4: But then also I had a transfer limit, so I
• 37:44
  Speaker 4: had to go down to the bank and pay for
• 37:46
  Speaker 4: this manual transfer to be done of this lump sum
• 37:49
  Speaker 4: at one time.
• 37:50
  Speaker 2: And like, I'm.
• 37:51
  Speaker 4: Sorry, everything's documented, So I'm suspicious from the get go totally.
• 37:56
  Speaker 5: And if the friends listening, Hey, do you really want
• 37:59
  Speaker 5: to lose a friend over three hundred dollars. Something will
• 38:01
  Speaker 5: last very long and the friendship might last forever.
• 38:04
  Speaker 4: Yeah, and have a good thing about why you're doing this,
• 38:06
  Speaker 4: like if you're strapped to cash, Okay, I totally understand it,
• 38:09
  Speaker 4: but this is not how to solve your problem in
• 38:11
  Speaker 4: the short term, like in the long term, this is
• 38:13
  Speaker 4: going to harm you. Also, the reputation that comes off
• 38:16
  Speaker 4: this like terrible, like because people are going to ask,
• 38:20
  Speaker 4: right like, oh, hey, Jess, why don't you talk to
• 38:23
  Speaker 4: V anymore? Jess is going to go it's a bit awkward,
• 38:26
  Speaker 4: like we just don't talk anymore after you know, I
• 38:28
  Speaker 4: transferred her three hundred bucks and you know, I asked
• 38:31
  Speaker 4: for it back and rarah. It was just awkward. I
• 38:33
  Speaker 4: don't really know what happened to it. Other people are
• 38:35
  Speaker 4: going to deduct that it's not a good situation. Even
• 38:39
  Speaker 4: if Jess says absolutely, oh she's really nice, but I
• 38:41
  Speaker 4: just don't get it, like she cut me out after that,
• 38:44
  Speaker 4: stopped replying to my message.
• 38:45
  Speaker 2: Do you know what I mean?
• 38:45
  Speaker 4: It's just like you're going to look like a bit
• 38:48
  Speaker 4: of a potato.
• 38:49
  Speaker 2: Sure, Like that's not great.
• 38:51
  Speaker 5: Sure, no one.
• 38:52
  Speaker 4: Wants to be called a potato, right, Like that's true
• 38:55
  Speaker 4: unless you're a French fry. But yeah, let's see what
• 38:59
  Speaker 4: the community said. We asked them a few spicy questions.
• 39:02
  Speaker 4: First one was, do you think it sounds like the
• 39:05
  Speaker 4: friend has kept the money in lined about sending it back?
• 39:08
  Speaker 2: Obviously, we asked that one first.
• 39:11
  Speaker 4: Yeah, eighty two percent of you were like, Yep, yep,
• 39:13
  Speaker 4: we do think that. We then said, do you think
• 39:16
  Speaker 4: this person can ask their friend to transfer their own
• 39:19
  Speaker 4: money since hers has gone missing? Forty two percent of
• 39:22
  Speaker 4: you said yes, it's the friend's responsibility to help, and
• 39:24
  Speaker 4: fifty eight percent of you said no, it was her
• 39:26
  Speaker 4: decision to send her money. I kind of am rock
• 39:30
  Speaker 4: in a hard place because like if I transferred you
• 39:32
  Speaker 4: money back and it genuinely went missing, like, it's kind
• 39:36
  Speaker 4: of on me, not on you.
• 39:38
  Speaker 6: Yeah, Like I don't know if you have the relevant
• 39:41
  Speaker 6: proof to show you.
• 39:42
  Speaker 8: Yeah.
• 39:42
  Speaker 6: Yeah, if her friend can say here's the transfer, I've
• 39:44
  Speaker 6: got no idea what's going on? Percent But I also
• 39:46
  Speaker 6: it sounds like the friend's not being very helpful either.
• 39:47
  Speaker 6: Like if that was us and you said, hey, like
• 39:49
  Speaker 6: the money hasn't come back, I would be on the
• 39:51
  Speaker 6: phone to my bank being like, hey, like, what's the
• 39:53
  Speaker 6: go Totally.
• 39:54
  Speaker 4: I think I'm also a bit negative about this, like, oh,
• 39:57
  Speaker 4: can your friend transfer you some money? In the trim,
• 39:59
  Speaker 4: I'm like, there's already a problem communicating about money.
• 40:02
  Speaker 2: I don't think we need to add an extra layer.
• 40:04
  Speaker 2: If he said she said like.
• 40:06
  Speaker 4: I owe you, you owe me vice versa like I
• 40:08
  Speaker 4: just think it's not worth the time. Yeah, we said,
• 40:12
  Speaker 4: if this was you, would you tell your friend you
• 40:14
  Speaker 4: didn't believe they'd sent the money. Seventy two percent said yep,
• 40:17
  Speaker 4: and I'd ask for proof of the transfer.
• 40:19
  Speaker 2: Wow, ballsy people. I would never.
• 40:21
  Speaker 4: Accuse anybody of anything. As I said, I'm very much
• 40:24
  Speaker 4: a garden path kind of gal. I'd be like, can
• 40:27
  Speaker 4: you please send me the reference number, I'll follow it
• 40:29
  Speaker 4: up with my bank, and I'll let you dig your
• 40:31
  Speaker 4: own grave. I'm not going to accuse you of anything
• 40:33
  Speaker 4: I can't prove totally. And then twenty eight percent of
• 40:36
  Speaker 4: you said no, But it's because I hate confrontation. Relatable,
• 40:41
  Speaker 4: We asked, do you think it is a bad idea
• 40:43
  Speaker 4: to ask friends for help with money problems? Seventy seven
• 40:46
  Speaker 4: percent of you said yep, it always ends badly and
• 40:49
  Speaker 4: ruins friendship said twenty three percent of you said no,
• 40:51
  Speaker 4: I've had really positive experiences with it. I think this
• 40:55
  Speaker 4: is really going to depend on the friend. Like this
• 40:58
  Speaker 4: situation should have ended up with like oh he said,
• 41:02
  Speaker 4: she said, kind of like oh, I transferred it. You
• 41:05
  Speaker 4: didn't get it, Like you had problems with your bills
• 41:08
  Speaker 4: and your friend was like, oh, I can try and
• 41:09
  Speaker 4: pay them for you.
• 41:10
  Speaker 2: Here's the cash.
• 41:11
  Speaker 4: I feel like, Jess, that's something that you and I
• 41:13
  Speaker 4: would do if we were in a pickle, and it
• 41:15
  Speaker 4: wouldn't be like a friendship borrowing money sitch, Like Jess
• 41:18
  Speaker 4: would just transfer me the money and I'd try and
• 41:20
  Speaker 4: pay the thing, right. Yeah, Like that to me feels
• 41:23
  Speaker 4: like a different thing than you know, borrowing money from
• 41:26
  Speaker 4: a friend. Like I think those are two different circumstances
• 41:30
  Speaker 4: because you're like, Babe, I've got the money, my bank
• 41:32
  Speaker 4: just won't transfer it or my card's broken or whatnot.
• 41:35
  Speaker 2: Because like you should have been a very heavy step step.
• 41:37
  Speaker 4: Step exactly, but like that's just you're telling me that
• 41:41
  Speaker 4: I gave you three hundred well you know you gave
• 41:43
  Speaker 4: me three hundred bucks, and then oh, what a cowinky
• 41:46
  Speaker 4: dink you don't have it anymore.
• 41:47
  Speaker 2: Yeah, that's a bit weird.
• 41:49
  Speaker 4: And then we obviously get this. We asked for you
• 41:52
  Speaker 4: two cents. And I love this part because some of
• 41:54
  Speaker 4: you are savages. Some of you honestly need to have
• 41:59
  Speaker 4: a good, hard thing about the type of human being
• 42:01
  Speaker 4: you are. And I don't read those comments on are
• 42:05
  Speaker 4: others You're really funny. You're really funny. But here are
• 42:08
  Speaker 4: some of the responses. So my best friend lent me
• 42:11
  Speaker 4: fifteen hundred bucks for a car, and I learned how
• 42:14
  Speaker 4: to manage money so I could quickly pay her back
• 42:17
  Speaker 4: because I owed that to her.
• 42:19
  Speaker 2: I think positive experience.
• 42:21
  Speaker 4: Someone said, if they are a true friend, there should
• 42:24
  Speaker 4: be no problem in sharing the receipts and they should
• 42:27
  Speaker 4: actually be quite motivated to help you solve this problem.
• 42:30
  Speaker 2: So true, it's a good problem.
• 42:31
  Speaker 4: That's just missing three hundred bucks, Like I have done
• 42:34
  Speaker 4: way more for less us.
• 42:35
  Speaker 6: Yes, she's just hunted down people on the internet.
• 42:38
  Speaker 4: I've done a lot of things that I am not
• 42:40
  Speaker 4: that proud of. Because a friend is literally like, oh
• 42:43
  Speaker 4: my god, x y Z happened to be I'm.
• 42:45
  Speaker 2: Like, sit down, yeah, sit down, I sound proud.
• 42:48
  Speaker 5: I feel like that sounds like proud.
• 42:50
  Speaker 4: Of my life anyway, we won't go into the time
• 42:53
  Speaker 4: that I hunted someone's phone down on Find my Friends
• 42:55
  Speaker 4: and not on a random person's front door to.
• 42:57
  Speaker 2: Be like, hey, we know you have the phone, give
• 42:59
  Speaker 2: it back. Yes, I could have died back. Don't tell
• 43:02
  Speaker 2: my husband. We said that we were going shopping.
• 43:05
  Speaker 4: So the next person said she should ask for a
• 43:08
  Speaker 4: screenshot of the transfer so she can go to her
• 43:10
  Speaker 4: bank with the evidence.
• 43:12
  Speaker 2: Again, I think this is the page that we're all on.
• 43:15
  Speaker 4: Someone else said I would never accuse a friend of lying,
• 43:18
  Speaker 4: but would ask for transfer proof so I can follow
• 43:20
  Speaker 4: up with the bank. I feel like we're all on
• 43:22
  Speaker 4: the same page about just like maybe not being too confrontational,
• 43:25
  Speaker 4: but also being like, hey that can I have the proof?
• 43:28
  Speaker 4: Because any good friend would be like, oh yeah, yeah,
• 43:30
  Speaker 4: Like honest to god, if I had your three hundred
• 43:33
  Speaker 4: bucks and I had transferred it back, I would be
• 43:34
  Speaker 4: sending you a screenshots. But I'd also be like handing
• 43:37
  Speaker 4: my phone across the table and have a look, I've
• 43:40
  Speaker 4: transferred it here. Where do you think I've gone wrong?
• 43:42
  Speaker 4: Do you need screenshots of my entire banking history? Like
• 43:44
  Speaker 4: this has never happened before? Double check that Yeah, can
• 43:47
  Speaker 4: you just check your bsban account number? Maybe I transferred
• 43:50
  Speaker 4: it to the wrong thing. Like I'd be literally handing
• 43:53
  Speaker 4: my phone across the table being like, can you have
• 43:55
  Speaker 4: a look at this too, because I automatically go to,
• 43:58
  Speaker 4: oh my god, someone might not trust me.
• 44:00
  Speaker 2: Yeah, Like I don't want that. I want to be
• 44:01
  Speaker 2: like so transparent.
• 44:03
  Speaker 4: So it is really confusing to me when people are
• 44:06
  Speaker 4: so like, oh no, I sent it, yeah, and then provide.
• 44:10
  Speaker 5: No proof, totally.
• 44:13
  Speaker 2: Being a bit avoidant.
• 44:14
  Speaker 5: Yeaxactly.
• 44:15
  Speaker 2: It feels like it. Yeah.
• 44:16
  Speaker 4: Someone said I've gotten pretty good at being confrontational about stuff,
• 44:20
  Speaker 4: but I always end up short changed.
• 44:23
  Speaker 2: That's not good.
• 44:25
  Speaker 4: Someone has said, quote I don't believe you, big red
• 44:28
  Speaker 4: cross emoji, and then quote send picks of transfer for
• 44:32
  Speaker 4: my reference because I'll call my bank please, and then
• 44:34
  Speaker 4: big green tick emoji.
• 44:36
  Speaker 2: I like that. Yeah.
• 44:38
  Speaker 4: I feel like every single response is basically us going.
• 44:41
  Speaker 4: I mean, there are a few spicy people who are
• 44:43
  Speaker 4: not so nice, in which case have a good hard
• 44:46
  Speaker 4: think about yourself today, my friend, but everybody else was
• 44:50
  Speaker 4: very very helpful in terms of I think just being
• 44:52
  Speaker 4: on the same page as us, Like twenty twenty three,
• 44:55
  Speaker 4: everything is tracked. You will be able to track it
• 44:57
  Speaker 4: down if your friend shares the receipts and the transfer
• 45:00
  Speaker 4: codes and everything else. Money doesn't just go missing, no,
• 45:03
  Speaker 4: because if it did, a lot of people would be
• 45:04
  Speaker 4: really rich and we wouldn't have any trust in our
• 45:07
  Speaker 4: banking system here in Australia.
• 45:09
  Speaker 5: Also, if that person wants to give us an update,
• 45:11
  Speaker 5: do you ever get the money and tell Allie yes,
• 45:15
  Speaker 5: seriously the juice?
• 45:17
  Speaker 2: All right, Well that is all we have got this week,
• 45:19
  Speaker 2: my friends. Thank you so much for hanging out again,
• 45:22
  Speaker 2: Jess and Beck.
• 45:23
  Speaker 4: It's my favorite time of the week having a chat
• 45:25
  Speaker 4: with you guys about some spicy topics, also.
• 45:28
  Speaker 2: Some genuine advice, but also learning.
• 45:30
  Speaker 4: About the community because you guys are literally my favorite.
• 45:34
  Speaker 4: Let's cross our fingers because we're going to the podcast
• 45:36
  Speaker 4: Awards literally tonight.
• 45:37
  Speaker 2: We're all jumping in car right now to go to
• 45:39
  Speaker 2: the airport.
• 45:41
  Speaker 4: But it's Friday for you, so check on our instagram
• 45:44
  Speaker 4: to see if we've got our tail between our legs
• 45:46
  Speaker 4: or we wanted award. But we'll see you on Monday,
• 45:48
  Speaker 4: bright and early for a money Darius. Guys have the
• 45:50
  Speaker 4: best weekend.
• 45:51
  Speaker 2: We love you by guys. Bye.
• 45:58
  Speaker 7: Did buy shared on and She's on the Money is
• 46:01
  Speaker 7: general in nature and does not consider your individual circumstances.
• 46:05
  Speaker 7: She's on the Money exists purely for educational purposes and
• 46:08
  Speaker 7: should not be relied upon to make an investment or
• 46:11
  Speaker 7: financial decision.
• 46:12
  Speaker 2: If you do choose to buy a financial.
• 46:14
  Speaker 7: Product, read the PDS TMD and obtain appropriate financial.
• 46:17
  Speaker 2: Advice tailored towards your needs.
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  Speaker 7: Victoria Divine and She's on the Money are authorized representatives
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  Speaker 7: of money. Sheper Pty Ltd ABN three two one six
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