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The Financial Anxieties of Your Parents' Retirement & Winter Energy Bills · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud or
• 0:04
  Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money.
• 0:36
  Speaker 2: She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on the Money, the pod
• 1:00
  Speaker 4: that makes personal finance fun, especially on Fridays. It's our
• 1:04
  Speaker 4: favorite day of the week because we get the team
• 1:06
  Speaker 4: together to celebrate you the incredible She's on the Money community.
• 1:10
  Speaker 4: I'm actually not Victoria Divine, don't know if you up.
• 1:14
  Speaker 2: I'm Jessica Riggy.
• 1:15
  Speaker 4: I'm taking the reins because Miss Victoria sounds a little
• 1:18
  Speaker 4: bit like this.
• 1:18
  Speaker 5: It sounds a little bit demonic, and we.
• 1:22
  Speaker 2: Love that from you.
• 1:23
  Speaker 5: So'm here like physically but mostly spiritually.
• 1:28
  Speaker 2: Yeah, yep, yeap.
• 1:29
  Speaker 4: So if you hear a little a little scratching in
• 1:31
  Speaker 4: the background.
• 1:34
  Speaker 5: I still wanted to be involved, Like, you can't keep me.
• 1:37
  Speaker 2: Away from this. No, Unfortunately, have you guys been trying.
• 1:42
  Speaker 4: So today I'm going to share my favorite Moneys that's
• 1:44
  Speaker 4: gonna share her best broke tips. We're going to be
• 1:46
  Speaker 4: answering a money dilemma, which this week is all about
• 1:49
  Speaker 4: wanting to help your parents boost their super so they
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  Speaker 4: have enough money for retirement, as well as something that
• 1:55
  Speaker 4: you slid into our dms about this week, we're chatting
• 1:57
  Speaker 4: what do you do when you're trying to save money
• 2:00
  Speaker 4: on bills and your housemate is cranking the heater wearing
• 2:03
  Speaker 4: a T shirt like it summer.
• 2:05
  Speaker 2: Don't look at me like that? Why no? I I
• 2:09
  Speaker 2: like it sounds like me. That's exactly what I heard.
• 2:11
  Speaker 2: She was gonna say.
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  Speaker 5: It's Yess, said Chess. I swear jess as heaters set
• 2:16
  Speaker 5: at twenty six every single time, and she's like on
• 2:19
  Speaker 5: zoom in a singlet. I'm like, yeah, no, soon if
• 2:23
  Speaker 5: we want to live, like, put some socks on.
• 2:25
  Speaker 2: It's crazy.
• 2:26
  Speaker 4: How's everybody's weeks been there before we get into it?
• 2:29
  Speaker 5: I'm good girl, no, like I've just lost my voice,
• 2:35
  Speaker 5: like I've yapped too close to the sun, Like this
• 2:37
  Speaker 5: is what happens when I bite off more than I
• 2:40
  Speaker 5: can talk. When I do too many like public speaking things,
• 2:44
  Speaker 5: I feel like my vocal cords just get exhausted. And
• 2:47
  Speaker 5: then they say no more, and then I say good
• 2:50
  Speaker 5: try and then I still come to what I want.
• 2:53
  Speaker 5: It's so cool, Thank you, thank you. I like sexy
• 2:56
  Speaker 5: rough Ye, I don't feel cool. Oh sorry, I feel
• 3:00
  Speaker 5: frustrated because there's just so much cool stuff that I
• 3:03
  Speaker 5: want to do right now, Like how do you record
• 3:06
  Speaker 5: a dice in air wrap video when you can't do
• 3:08
  Speaker 5: a voiceover? And then that's the question of it all
• 3:11
  Speaker 5: is I'm like, guys, look at my hair today, is
• 3:13
  Speaker 5: so voluminous.
• 3:14
  Speaker 2: It looks beautiful, beautiful.
• 3:16
  Speaker 3: Shame.
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  Speaker 5: I did still put a little video on the internet.
• 3:21
  Speaker 5: But I couldn't be like, oh, this is how I
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  Speaker 5: did it because I sounded demonic.
• 3:26
  Speaker 2: Anyway.
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  Speaker 5: That's the most first world problem you ever run into.
• 3:30
  Speaker 5: But also best week ever. Beck we all know has
• 3:34
  Speaker 5: a side hustle of creating clay creations. She has made
• 3:38
  Speaker 5: me a baby ravioli. It's like a spoon rest, but
• 3:43
  Speaker 5: mine's pink and it has red like accents on it,
• 3:45
  Speaker 5: and it says divine and it has these little cherries
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  Speaker 5: on it.
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  Speaker 2: I have never seen something more me.
• 3:51
  Speaker 5: I I feel so thought of, Like it's just so beautiful.
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  Speaker 2: Absolutely.
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  Speaker 6: I feel really bad because Jess came in and gave
• 4:01
  Speaker 6: me a jellycat keyring and I said, thanks Jess. Anyway, here, Victoria,
• 4:04
  Speaker 6: here's my gift.
• 4:05
  Speaker 4: What I did to Victoria giving you a gift.
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  Speaker 5: That it's not like, oh, if I'm giving just a gift,
• 4:13
  Speaker 5: I have to give beck a gift. It's just like
• 4:15
  Speaker 5: I'm giving you one because I thought of you specifically
• 4:18
  Speaker 5: in this moment, like it happens in ebbs and flows.
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  Speaker 2: I think that's the best part about it.
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  Speaker 7: True.
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  Speaker 2: You know, I do think of you both equally.
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  Speaker 5: Thank you, thank you.
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  Speaker 6: One of you has a gift that was your.
• 4:29
  Speaker 2: Week, really good week.
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  Speaker 6: I was in Sydney a couple of weeks ago, and
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  Speaker 6: so I think I just like, when I come back
• 4:34
  Speaker 6: from Sydney, I'm like, I'm so grateful for the life
• 4:38
  Speaker 6: I have in Melbourne, you know. So I've just been
• 4:41
  Speaker 6: riding a high. Really, I don't think it much. Too
• 4:43
  Speaker 6: much has been going on just living, love and laughing
• 4:46
  Speaker 6: as always and what about you?
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  Speaker 4: Nothing crazy. I've been on a Marvel rewatch. So I
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  Speaker 4: went on very interesting Thunderbolts a couple of weeks ago
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  Speaker 4: when it released, which was very exciting. We got invited
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  Speaker 4: to the previews, so it's so cool to be out
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  Speaker 4: with me. They had someone stand at the front. They're like,
• 5:02
  Speaker 4: you're some of the first people in the world to
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  Speaker 4: see this movie, and I was like, that is so cool,
• 5:07
  Speaker 4: and it was great. I feel like there was a
• 5:09
  Speaker 4: bit of a lull. I think anyone who's a big
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  Speaker 4: Marvel fanmily agree. There was like a soft period, feels.
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  Speaker 2: Like we're coming out of it.
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  Speaker 4: And so after watching that movie, I was like, oh,
• 5:17
  Speaker 4: I want to go and rewatch everything in chronological order
• 5:21
  Speaker 4: because it feels like they're starting to tie a lot
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  Speaker 4: of things together and there's so many to watch.
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  Speaker 2: So it's that's all I'm doing. I wouldn't have picked
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  Speaker 2: you for a Marvel girl.
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  Speaker 4: A lot of people say that my favorite film genre
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  Speaker 4: is like an action adventure.
• 5:35
  Speaker 2: Really, yeah, don't love a rom com? Would you believe?
• 5:38
  Speaker 2: I would not believe.
• 5:40
  Speaker 5: I do not believe. I think she's to us.
• 5:44
  Speaker 2: That's I don't get what she says. I don't believe. Yeah,
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  Speaker 2: I think action is well for me.
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  Speaker 6: I find it so boring because I'm like, there, just
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  Speaker 6: there's a lot of sound.
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  Speaker 5: I know what's gonna happen. True, I's going to prevail, exactly,
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  Speaker 5: we already know what's going to happen.
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  Speaker 6: I want to know.
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  Speaker 5: I respect your where I can predict who's going to
• 6:05
  Speaker 5: fall in love. Yes, yeah, I prefer that kind of predictability. Yes,
• 6:10
  Speaker 5: you also went to that with an ulterior motive. You
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  Speaker 5: were like, I'm super excited about this, but also it's
• 6:15
  Speaker 5: being hosted by Disney.
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  Speaker 2: It's socredible.
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  Speaker 5: What were you trying to do while you're there?
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  Speaker 2: I was trying to meet some people, connect some things.
• 6:23
  Speaker 2: Disney cruise.
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  Speaker 4: Perhaps I'm really on this time, Like she's on the cruise.
• 6:27
  Speaker 4: It's got to be a way to make it happen. Sadly,
• 6:29
  Speaker 4: it turns out it was me in about five thousand
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  Speaker 4: of my closest friends at this event, see, which was
• 6:33
  Speaker 4: still an absolute That's okay.
• 6:35
  Speaker 5: We can then get a Disney cruise.
• 6:37
  Speaker 2: We're going to figure out a way to make it happen.
• 6:38
  Speaker 2: Do you imagine back on a Disney cruise I think
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  Speaker 2: you'd have the best time.
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  Speaker 4: I think you were leaning in the way that I
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  Speaker 4: would need somebody to yes, yes, yes, absolutely.
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  Speaker 5: I feel like you have to lean in, Like you
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  Speaker 5: can't go on a Disney cruise and not do all
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  Speaker 5: the activities and go like Disney Bingo and do all
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  Speaker 5: of the things like I want to eat all of
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  Speaker 5: the Mickey shaped everything.
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  Speaker 2: Yeah, I feel like there could be in. I think
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  Speaker 2: I'm in.
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  Speaker 7: I'm in.
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  Speaker 2: It has a idea, but I'm in. Leave it with me.
• 7:06
  Speaker 2: But do you guys like to hear it? Speaking of
• 7:07
  Speaker 2: wonderful things, this week's five star reviews.
• 7:10
  Speaker 5: You get to read these, but no one wants to
• 7:12
  Speaker 5: hear it.
• 7:14
  Speaker 4: Well, I'm taking much joy in doing it myself, just
• 7:16
  Speaker 4: so you know, to really rub the soul in the wound.
• 7:19
  Speaker 4: This week's review is from Tyler, and she said to
• 7:22
  Speaker 4: that she's on the Money Girls team listeners and everyone.
• 7:26
  Speaker 4: I started listening about eight months ago, and it truly
• 7:28
  Speaker 4: has changed my life. I am now completely dead free,
• 7:32
  Speaker 4: And even though it sounds like a bad situation, I
• 7:34
  Speaker 4: got myself to be financially stable enough that I got
• 7:37
  Speaker 4: to resign from my incredibly toxic job this week without
• 7:40
  Speaker 4: feeling stressed or anxious on how I could afford things
• 7:42
  Speaker 4: until I get a new job. She said, she's now
• 7:44
  Speaker 4: going to be testing sight hustle tips. Not only is
• 7:47
  Speaker 4: it helping me financially, but you've also taught me things
• 7:49
  Speaker 4: that have helped put me in a situation that improves
• 7:52
  Speaker 4: my mental health.
• 7:53
  Speaker 2: Again, the biggest thank you from the bottom of my house.
• 7:55
  Speaker 2: Oh my god, that's so good.
• 7:56
  Speaker 5: It always feel so special that you guys take the time.
• 7:59
  Speaker 2: Yeah, you don't have to, but you do. That's really nice.
• 8:02
  Speaker 2: I'm so happy.
• 8:03
  Speaker 4: And it's likely to get an update on your life
• 8:05
  Speaker 4: and what you're doing. And yeah, manifesting the perfect job
• 8:08
  Speaker 4: pops up for you.
• 8:09
  Speaker 7: Tyler.
• 8:09
  Speaker 2: Yes, I'm not to hear it all about me, but
• 8:12
  Speaker 2: do you want to hear some money wins?
• 8:14
  Speaker 5: I do.
• 8:14
  Speaker 4: I should have thought this through a I'll speed get
• 8:18
  Speaker 4: through it. You probably sick me first one this week.
• 8:20
  Speaker 4: I've got this from Jamie, who went to two inspections
• 8:23
  Speaker 4: for interstate buyers over the weekend. She got one hundred
• 8:25
  Speaker 4: and twenty dollars for each one just to walk through
• 8:27
  Speaker 4: the house, snap a few photos and that was it.
• 8:31
  Speaker 4: Bucks for about thirty minutes of work on a Saturday morning.
• 8:33
  Speaker 2: She said, Oh my god, that's so good.
• 8:35
  Speaker 4: And for anyone wondering. Beck commented and said not our Beck.
• 8:38
  Speaker 4: Different Beck commented and said how did you do this?
• 8:41
  Speaker 4: And Jamie said it was air tasker. So good little
• 8:44
  Speaker 4: anybody out there, I have a little wonder on your
• 8:46
  Speaker 4: Saturday morning.
• 8:46
  Speaker 2: I love a property perv. Yeah, through, I'm not get
• 8:50
  Speaker 2: paid for it. Absolutely.
• 8:52
  Speaker 4: Next, I've got the money win from Olivia, who said
• 8:53
  Speaker 4: her partner bought her a coffee machine as an early
• 8:56
  Speaker 4: Mother's Day present, so she hasn't brought herself a coffee
• 8:58
  Speaker 4: in two weeks and she's saving five dollars and ten
• 9:01
  Speaker 4: cents per day.
• 9:02
  Speaker 2: Oh my god, that's so good. How are you are
• 9:03
  Speaker 2: with your coffee? You're doing still going? Absolutely, I have not.
• 9:07
  Speaker 6: Literally the early days I buy coffee is when I'm
• 9:09
  Speaker 6: here and I've run out of time in the morning
• 9:10
  Speaker 6: and so I must buy coffee. But every other day
• 9:13
  Speaker 6: I do not buy coffee. And I actually prefer you
• 9:16
  Speaker 6: get to a point, we prefer the taste of the
• 9:18
  Speaker 6: coffee that you make the.
• 9:19
  Speaker 4: French press, the French little French press. Yes, absolutely incredible. Next,
• 9:24
  Speaker 4: I've got money in from Joe, who said she has
• 9:26
  Speaker 4: solar and hasn't had a bill in about a year.
• 9:29
  Speaker 4: She's actually getting credits back from you see company each month.
• 9:33
  Speaker 2: She said.
• 9:34
  Speaker 4: The other day they were mail to check for the
• 9:35
  Speaker 4: majority of the credit amount and they still have credit
• 9:38
  Speaker 4: to apply to the next bill.
• 9:40
  Speaker 5: He got a check. Yeah, you make a legitimate cash
• 9:43
  Speaker 5: from selling your energy.
• 9:45
  Speaker 2: You're going to pay me.
• 9:46
  Speaker 5: The energy cofee is coming to you.
• 9:49
  Speaker 2: God, that is so cool. I love solar so good.
• 9:52
  Speaker 6: Why did she have energy?
• 9:55
  Speaker 5: She didn't use all the stuff that she made.
• 9:58
  Speaker 4: Yeah, I think she produced a sur plus, and I
• 10:00
  Speaker 4: believe I see put back into the grid somewhow.
• 10:03
  Speaker 2: I'm smarter pers God.
• 10:06
  Speaker 4: Yeah, so they, I guess pay her for the energy
• 10:08
  Speaker 4: that she generated for them.
• 10:09
  Speaker 8: Yeah.
• 10:09
  Speaker 2: Whi's pretty cool. That's so cool. You go renewable energy.
• 10:12
  Speaker 2: You love to see it. I love to see it.
• 10:14
  Speaker 4: Next, I've got money in from Shelby, who said she
• 10:16
  Speaker 4: booked her son's birthday party at a PLAE center a
• 10:18
  Speaker 4: few weeks back for this weekend.
• 10:20
  Speaker 2: It's just passed.
• 10:21
  Speaker 4: When she arrived to pay the remaining on her invoice,
• 10:24
  Speaker 4: she was told that there was a ninety nine dollar
• 10:26
  Speaker 4: party special running at the time that she booked it.
• 10:28
  Speaker 4: She had no idea and saved herself a tidy two
• 10:30
  Speaker 4: hundred and twenty dollars.
• 10:31
  Speaker 5: Oh my god, Oh that's a lot.
• 10:33
  Speaker 4: I was thinking, that's a heap to spend on a
• 10:36
  Speaker 4: kid's birthday, kids party's expense.
• 10:38
  Speaker 2: I don't know what the going rate is. Is that normal?
• 10:40
  Speaker 5: I mean, I'm not at the point where Harvey is
• 10:42
  Speaker 5: being invited, but yeah, I'm like my nieces and nephews, like,
• 10:46
  Speaker 5: it can really add up. I mean, if you want
• 10:48
  Speaker 5: to go to a play center, what's that like twenty
• 10:49
  Speaker 5: bucks ahead.
• 10:50
  Speaker 2: That's actually so Truel's.
• 10:51
  Speaker 5: Like a dude, Like, even if it's party pies, the
• 10:54
  Speaker 5: second you tell the center that you want them to cater,
• 10:57
  Speaker 5: what's that going to cost?
• 10:58
  Speaker 3: Yeah?
• 10:59
  Speaker 5: Yeah right, that soorry. I just yeah, it will definitely
• 11:02
  Speaker 5: add up. And then then there's like their wedding conversation,
• 11:05
  Speaker 5: do you pay for all the kids coming to your
• 11:08
  Speaker 5: kid's birthday or do the kids pay?
• 11:10
  Speaker 2: Like truly you pay?
• 11:11
  Speaker 5: Well, See that's what I thought that I've seen in
• 11:13
  Speaker 5: our community, people talking about, oh, I've had my kid
• 11:17
  Speaker 5: go to these birthday parties and it cost X and
• 11:19
  Speaker 5: I'm just like wow, okay, like I'm not prepared for
• 11:23
  Speaker 5: this at all.
• 11:24
  Speaker 2: Yeah.
• 11:24
  Speaker 5: Yeah, Harvey's too young to have little friends half parties.
• 11:28
  Speaker 2: Yeah. Interesting.
• 11:30
  Speaker 4: Well, then ninety nine dollars sounds like an absolute bargain.
• 11:32
  Speaker 4: Well done, Shelby. And lastly, this week, money in from
• 11:36
  Speaker 4: Claire who said, I want one hundred and fifty dollar
• 11:38
  Speaker 4: about chat for giving a review for a new product
• 11:40
  Speaker 4: I bought, and.
• 11:41
  Speaker 2: So then I bought myself some extra new goodies. Goteous.
• 11:43
  Speaker 2: That's exciting. I love it for yourself. Yeah, one hundred.
• 11:46
  Speaker 2: I love when people win those late random free giveaways.
• 11:49
  Speaker 2: So fun, so fun.
• 11:50
  Speaker 6: Sorry, I just realized. I was like, this is completely irrelevant.
• 11:53
  Speaker 6: But I've developed like almost like a scalely part of
• 11:57
  Speaker 6: my forehead and it's in the exactly.
• 11:59
  Speaker 2: Into a Liz.
• 12:00
  Speaker 3: Yeah.
• 12:00
  Speaker 5: I don't know what's coming.
• 12:01
  Speaker 2: But it's also in the.
• 12:02
  Speaker 6: Same position where like, because I'm Bangladeshi, it's it looks
• 12:05
  Speaker 6: like I've got a bit cool. Yeah, and so I
• 12:09
  Speaker 6: but it's and so I'm trying to kill it.
• 12:11
  Speaker 2: I don't know what it is, but it's not x mars.
• 12:13
  Speaker 6: So anyway, if anyone has any ideas of what kind
• 12:15
  Speaker 6: of why has scales my symptoms, but you just I
• 12:22
  Speaker 6: just really need a diagnosis.
• 12:23
  Speaker 5: Actually into a blue tongue.
• 12:26
  Speaker 2: Very strang is happening on my forehead.
• 12:28
  Speaker 7: And.
• 12:30
  Speaker 6: You got some broke tips. I do have a breast
• 12:32
  Speaker 6: scale lea forehead, Yes I do. Uh okay, So this
• 12:35
  Speaker 6: best one comes from Pippot, who is referring to I
• 12:38
  Speaker 6: found this in our community, and Pippot is referring to
• 12:41
  Speaker 6: another thing that she saw, So I'm not I know
• 12:43
  Speaker 6: that the credit isn't all on Pippot, but I just
• 12:45
  Speaker 6: want to say that she's the one that alerted me
• 12:48
  Speaker 6: to this. So she said, I have to thank someone
• 12:50
  Speaker 6: In a previous post about community places to yoga for free,
• 12:54
  Speaker 6: I just signed up for four sessions this past week.
• 12:56
  Speaker 6: This compares to signing up for a class that can
• 12:58
  Speaker 6: cost me a minimum of dollars per session. And so
• 13:03
  Speaker 6: I don't know where the original information came from. But
• 13:05
  Speaker 6: all I want to say is I did not know
• 13:06
  Speaker 6: that was a thing community yoga classes.
• 13:08
  Speaker 5: I didn't either.
• 13:09
  Speaker 2: It's really cute. That is so cute.
• 13:11
  Speaker 6: So it's like I mean exercise classes these days, my
• 13:14
  Speaker 6: partner pays like, I don't know, fifty bucks a week
• 13:16
  Speaker 6: for Upstate or something, and.
• 13:19
  Speaker 9: There's more so she doesn't know what Upstate is what
• 13:23
  Speaker 9: it is, but like fifty bucks is I'm you know,
• 13:27
  Speaker 9: I'm being really, you know, not generous, the opposite of generous,
• 13:30
  Speaker 9: because it's probably way more than fifty dollars.
• 13:31
  Speaker 5: And we can get a little fact check. Hold on, Zara,
• 13:34
  Speaker 5: how much does Upstate cost per week? It's fifty fifty
• 13:38
  Speaker 5: five days job.
• 13:39
  Speaker 2: But there you go.
• 13:40
  Speaker 6: So instead of that, and I'm sure you know yogur is,
• 13:44
  Speaker 6: I no, never haven't really done it, but it mightn't
• 13:46
  Speaker 6: be on the lesser end of like something that's really
• 13:48
  Speaker 6: physically demanding, but you'd.
• 13:49
  Speaker 2: Be still surarized.
• 13:50
  Speaker 4: It takes a lot of strength, like yeah, okay, it's
• 13:53
  Speaker 4: similar to pilarates in that they'll usually give you variations, yeah,
• 13:57
  Speaker 4: depending on how advanced you are. But I so when
• 13:59
  Speaker 4: I was younger, I we're to yogis year and it
• 14:01
  Speaker 4: is crazy how much like strength people have, right Yeah, yeah, yeah,
• 14:06
  Speaker 4: everything holding your body weight.
• 14:07
  Speaker 6: Oh my god, that's so true. Sorry, I take that,
• 14:09
  Speaker 6: I take that all back. Actually that it is intense.
• 14:12
  Speaker 6: The second one comes from Emily, who says that if
• 14:14
  Speaker 6: you're on long term medication, ensure your doctor writes you
• 14:17
  Speaker 6: scripts for sixty days since the scheme. Sorry, this is
• 14:24
  Speaker 6: helpful in saving two hundred dollars to three hundred dollars
• 14:26
  Speaker 6: every month. I'm assuming that is because I had the
• 14:29
  Speaker 6: same thing, Like I would go to my doctor every
• 14:31
  Speaker 6: twenty days to get a i mean prescriptions, and well
• 14:37
  Speaker 6: that was just at the very start. And now she's written, like,
• 14:39
  Speaker 6: you know, just six months plus. Yeah, that has helped,
• 14:42
  Speaker 6: because it's what is it, like eighty bucks after Medicare
• 14:46
  Speaker 6: rebate pocket out of pocket, and.
• 14:49
  Speaker 2: So I think it's just a fantastic idea.
• 14:51
  Speaker 6: If you have the option, if your doctor is willing
• 14:54
  Speaker 6: try and get six months plus worth of prescriptions practical.
• 14:58
  Speaker 2: That's a good one. Thank you, yes, and thank you
• 15:01
  Speaker 2: too much, Emily.
• 15:02
  Speaker 5: I didn't know people didn't do that by default, like
• 15:06
  Speaker 5: in the nicest possible way. I have a brilliant doctor,
• 15:08
  Speaker 5: and he always gives me like a script for six
• 15:10
  Speaker 5: months of my like anti anxiety medication, yes, and so
• 15:14
  Speaker 5: like he checks in with me every six months and
• 15:16
  Speaker 5: then I get a new script and it's all good
• 15:18
  Speaker 5: to go.
• 15:19
  Speaker 2: True.
• 15:19
  Speaker 5: But you know, maybe people don't get it as often
• 15:23
  Speaker 5: as I do, Like it makes sense like asking for
• 15:26
  Speaker 5: more on your script if it's non coincident, like it's
• 15:28
  Speaker 5: of no you know.
• 15:30
  Speaker 6: Issue, yes totally and I guess like sometimes doctors want
• 15:33
  Speaker 6: to see you after with.
• 15:35
  Speaker 5: Dex like absolutely like what Beck's talking about. She mentioned
• 15:39
  Speaker 5: dex amphetamine, which is a very restricted drug that can
• 15:42
  Speaker 5: be prescribed to you if you have ADHD yes and
• 15:46
  Speaker 5: when you first go on to ADHD medication, they like
• 15:49
  Speaker 5: manage it really closely, so you might not have the
• 15:51
  Speaker 5: ability to you know, ask for a longer script until
• 15:54
  Speaker 5: they call it trust you with the medication or true
• 15:57
  Speaker 5: work out that it works with your body. But like,
• 15:59
  Speaker 5: definitely ask what's the worst? They can say no, sorry, yeah,
• 16:03
  Speaker 5: no that's very true.
• 16:04
  Speaker 2: So yeah, I'd say, yeah, just ask the question anyway
• 16:07
  Speaker 2: and see how you go.
• 16:09
  Speaker 6: This next one comes from myself and also our producer,
• 16:13
  Speaker 6: who are alerted me that Grilled is actually doing mad
• 16:18
  Speaker 6: Wait Bad Wait mad bundays.
• 16:22
  Speaker 4: Does that make any sense to you? This came up
• 16:24
  Speaker 4: in the slack recently. Georgia loves this.
• 16:27
  Speaker 2: Yes, it's a real tongue twister. Is that intentionally?
• 16:32
  Speaker 7: So?
• 16:33
  Speaker 2: How it works this is through Grilled.
• 16:35
  Speaker 6: How it works is you sign up, you pick your
• 16:37
  Speaker 6: Aussie rules team or your UGI league team. I just
• 16:39
  Speaker 6: did it before. I don't think you pick one of each.
• 16:43
  Speaker 6: I did try. There could be a way, but I
• 16:45
  Speaker 6: haven't found it. And then if that team wins a match,
• 16:49
  Speaker 6: you get a free burger coupon send to your email
• 16:52
  Speaker 6: and relish account, which is what they call the grilled account.
• 16:55
  Speaker 6: You can dine in on Monday, spend tween doors and
• 16:57
  Speaker 6: redeem your free burger at the till, and then bask
• 17:00
  Speaker 6: in the glory. Brag to your mates. Is step number five.
• 17:03
  Speaker 6: Step number five is non negotiable. And that's me for
• 17:05
  Speaker 6: this week.
• 17:06
  Speaker 5: I love that because grilled burgers are so expensive.
• 17:08
  Speaker 2: And they're so yummy.
• 17:10
  Speaker 5: Yah're so good, but like twenty dollars for a burger
• 17:13
  Speaker 5: at what feels like a fast food place. Like, don't
• 17:15
  Speaker 5: get me wrong, I know that it's like quality and
• 17:17
  Speaker 5: not McDonald's whatever, it's still expensive.
• 17:20
  Speaker 2: It's expensive.
• 17:21
  Speaker 4: And you got a one in two chance, right, like
• 17:22
  Speaker 4: you're picking a keay deal. It's good odds even if
• 17:25
  Speaker 4: you don't follow.
• 17:25
  Speaker 5: Do you know what, have a date night every week
• 17:28
  Speaker 5: with your partner and both vote again, my god, that's
• 17:32
  Speaker 5: a good deal. So you and just get an account
• 17:34
  Speaker 5: pick and she goes one way, you go the other way.
• 17:37
  Speaker 2: That you can.
• 17:38
  Speaker 6: You can only pick one at the start unless you
• 17:41
  Speaker 6: make multiple accounts, which is also an option.
• 17:44
  Speaker 5: So I mean, Grill's not paying us, so do whatever
• 17:46
  Speaker 5: you want.
• 17:49
  Speaker 2: And on that lovely notes, yes, if you pay me,
• 17:53
  Speaker 2: I will do better. Victoria can be bought with a grill. Absolutely.
• 18:00
  Speaker 4: Let's go really quick break. We can chatburgers while we're there.
• 18:02
  Speaker 4: When we come back, we're going to be talking all
• 18:05
  Speaker 4: about how to help your parents boost their supers that
• 18:07
  Speaker 4: they have enough for retirement, and whether or not you
• 18:10
  Speaker 4: should be cranking the heater when you're living with a housemate.
• 18:12
  Speaker 4: Don't go anywhere.
• 18:17
  Speaker 2: Welcome back, everyone, and here's this week's money dilemma.
• 18:21
  Speaker 3: Hi, there, have you got a money dilemma you just
• 18:24
  Speaker 3: can't solve that. She's on the Money team is here
• 18:26
  Speaker 3: to help. Every week we tackle your dilemmas, both big
• 18:29
  Speaker 3: and small, to answer your most burning money, career and
• 18:32
  Speaker 3: life questions. To get involved, simply head to our website
• 18:35
  Speaker 3: and leave us a short voice recording and you might
• 18:38
  Speaker 3: just find yourself on the show. Now, let's take a
• 18:40
  Speaker 3: listen to this week's money dilemma.
• 18:44
  Speaker 8: She's on the Money. I have the money dilemma. Not
• 18:47
  Speaker 8: directly for myself, but it actually relates to my parents
• 18:50
  Speaker 8: and their retirement. I mean thinking a lot recently about
• 18:54
  Speaker 8: how their retirement is coming up soon, maybe in the
• 18:57
  Speaker 8: next decade. My done is sixty, my mom is fifty eight,
• 19:03
  Speaker 8: and selfishly, in the cost of the being crisis, I
• 19:07
  Speaker 8: don't really want to be in a position where I
• 19:08
  Speaker 8: would need to support them financially while also supporting myself.
• 19:14
  Speaker 8: For context, our family moved to Australia about seventeen years ago,
• 19:19
  Speaker 8: so my parents just haven't really had very much time
• 19:22
  Speaker 8: in the workforce in Australia while receiving SUPER contributions, and
• 19:28
  Speaker 8: I'm just sort of looking for some tips on how
• 19:33
  Speaker 8: they can prepare for their retire and in other ways
• 19:37
  Speaker 8: or boost the SUPER or anything like that. My mom
• 19:41
  Speaker 8: has been mostly stayed at home mom, so she really
• 19:44
  Speaker 8: has very minimal SUPER and I don't know exactly how
• 19:47
  Speaker 8: much my dad has, but I know that when they've
• 19:50
  Speaker 8: looked into using those SUPER to purchase a house, it
• 19:53
  Speaker 8: wasn't even enough for a house deposit.
• 19:55
  Speaker 5: So yeah, I'd really.
• 19:56
  Speaker 8: Appreciate any thoughts, insight, or any tips for how they
• 20:00
  Speaker 8: can start preparing for their retirement.
• 20:02
  Speaker 5: I have a lot to say about their pension system
• 20:06
  Speaker 5: here in Australia. But before that, Beck, what would you do?
• 20:11
  Speaker 5: I totally know this anxiety.
• 20:12
  Speaker 6: I feel very much the same with my mum Selfishly,
• 20:17
  Speaker 6: I don't think she has a lot of super and
• 20:18
  Speaker 6: so I'm like, I just think I know that in
• 20:20
  Speaker 6: some cultures it just kind of like expected that you
• 20:23
  Speaker 6: kind of like help support your parents when they can't
• 20:26
  Speaker 6: support themselves anymore when they retire. There's a lot of
• 20:28
  Speaker 6: pressure in this day and age, Like I mean, I
• 20:33
  Speaker 6: can't even afford myself and like to you know, it's
• 20:36
  Speaker 6: a lot of pressure to put it on someone.
• 20:38
  Speaker 2: So I totally get the anxiety.
• 20:41
  Speaker 6: I guess I would discuss what their plans are after
• 20:46
  Speaker 6: retirement and if they're if they're like, we're all good,
• 20:48
  Speaker 6: like we have this much in super, we will get
• 20:51
  Speaker 6: the pension well whatever else, then maybe like you.
• 20:54
  Speaker 2: Can take a load off.
• 20:55
  Speaker 6: But if they're like, oh, we kind of expected that
• 20:58
  Speaker 6: you would help us out, then my only advice is
• 21:02
  Speaker 6: panic and that's it. But no, I think that, like,
• 21:05
  Speaker 6: I don't think it's ever too late, but you could
• 21:06
  Speaker 6: maybe sign them up for like community housing if it's
• 21:09
  Speaker 6: an option or something like that. So it's a you know,
• 21:12
  Speaker 6: have an ongoing cost of you know, living, whether it's mortgage,
• 21:16
  Speaker 6: whether it's renting or something like that. Like that's just
• 21:18
  Speaker 6: a really nice security blanket because it can be quite
• 21:21
  Speaker 6: a long waitlist. So if they have that there, that
• 21:24
  Speaker 6: would be good. I don't really know what the living
• 21:26
  Speaker 6: situation's like, so sorry, if you've already sorted that out, Yeah,
• 21:29
  Speaker 6: I think I think just like chat with them about
• 21:31
  Speaker 6: what their plans won't be and kind of stress them, like,
• 21:35
  Speaker 6: this is very could be a scary time financially if
• 21:39
  Speaker 6: they don't have a plan in place.
• 21:41
  Speaker 2: That's my advice. I hope that's kind of helpful. Jess,
• 21:44
  Speaker 2: what are you thinking.
• 21:45
  Speaker 4: I think it's probably best to ask them about their
• 21:47
  Speaker 4: financial situation holistically, because just because they don't have money
• 21:50
  Speaker 4: in super doesn't mean that they maybe don't have cash
• 21:53
  Speaker 4: assets or some kind of investment. I know that that.
• 21:56
  Speaker 4: You know often when young families, I great, that may
• 22:00
  Speaker 4: not be the case, but you don't know. If that's
• 22:02
  Speaker 4: not a conversation you've ever had, maybe they are holding
• 22:05
  Speaker 4: something that you're not aware of. Although the comment that
• 22:08
  Speaker 4: our listener made about them considering pulling money out of
• 22:11
  Speaker 4: Super for a house deposit and it not being enough
• 22:13
  Speaker 4: for that suggests to me that maybe you know it
• 22:17
  Speaker 4: won't be the case, but you never know. Good to
• 22:19
  Speaker 4: just take a look at the bigger picture where possible,
• 22:22
  Speaker 4: I would say to echo you back, it's really hard,
• 22:25
  Speaker 4: I think as a child to take that responsibility on,
• 22:28
  Speaker 4: and it's okay to have conflicting emotions. I don't think
• 22:31
  Speaker 4: that it's selfish. I think it's very understandable that you
• 22:34
  Speaker 4: feel the way that you do, and it's hard to
• 22:36
  Speaker 4: have to take on this responsibility that you didn't ask for.
• 22:40
  Speaker 4: It's kind of like the reverse, like a parent chooses
• 22:42
  Speaker 4: to have a child, but a child doesn't choose to
• 22:44
  Speaker 4: be born, and so then to have that responsibility, yeah,
• 22:47
  Speaker 4: when you had no say in it, it can probably
• 22:49
  Speaker 4: bring up I think a lot of emotions, and that's
• 22:51
  Speaker 4: completely understandable. Something to consider if you are going to
• 22:56
  Speaker 4: be in a position, or if you have already purchased
• 22:58
  Speaker 4: a property yourself, you could look at building like a
• 23:01
  Speaker 4: granny flat or a tiny home on your property. Because
• 23:04
  Speaker 4: I think I don't know a lot, vd's going to
• 23:07
  Speaker 4: know a lot more than I do about our pension system.
• 23:09
  Speaker 4: But from what I understand, it's really set up with
• 23:12
  Speaker 4: the assumption that people will own their own property by
• 23:15
  Speaker 4: the age of retirement, which as we know now is generally,
• 23:18
  Speaker 4: you know, not always the case. So I feel like
• 23:21
  Speaker 4: housing is probably one of firstly the biggest expenses that
• 23:24
  Speaker 4: they will incur as retirees and probably one of the
• 23:26
  Speaker 4: biggest stresses. So even if it's not permanent, you know,
• 23:30
  Speaker 4: an affordable tiny home granny flat option, if that's something
• 23:34
  Speaker 4: you can put onto a property that you either have
• 23:36
  Speaker 4: now or my purchase in the future, could be kind
• 23:38
  Speaker 4: of a middle ground potentially, like it's you're not necessarily
• 23:41
  Speaker 4: contributing to them financially, but you're easing their burden in
• 23:45
  Speaker 4: a way, if that makes sense.
• 23:47
  Speaker 5: Yeah.
• 23:47
  Speaker 2: Is that why it's called a granny flat.
• 23:49
  Speaker 4: Yeah, because people would often put them on their property
• 23:51
  Speaker 4: for like granny parents.
• 23:53
  Speaker 2: Yeah, for grannie exactly. That's cute.
• 23:55
  Speaker 4: And you can buy lots of different like there's all
• 23:57
  Speaker 4: kinds now you can buy, like tiny homes that are
• 23:59
  Speaker 4: pre assembled and containers and also so maybe looking into
• 24:02
  Speaker 4: something like that.
• 24:03
  Speaker 2: Otherwise I don't have a lot of information, so I'm
• 24:06
  Speaker 2: just gonna handfall that right over to the financial expert.
• 24:10
  Speaker 5: So I have limited voice, and I do apologize that
• 24:13
  Speaker 5: this is a husky version, but you actually have a
• 24:16
  Speaker 5: lot of control. You have a lot of ability to
• 24:19
  Speaker 5: help them. Because you've said, you know, they're immigrated seventeen
• 24:22
  Speaker 5: years ago. I'm assuming they don't fully comprehend like the
• 24:26
  Speaker 5: Australian pension system. So that's where your knowledge and skill
• 24:30
  Speaker 5: could come into it. No, it's not going to require
• 24:34
  Speaker 5: you putting your cash on the table, but it might
• 24:37
  Speaker 5: require you sitting down with your parents and helping them.
• 24:39
  Speaker 2: Create a plan.
• 24:40
  Speaker 5: Right, so you said that they were I would say
• 24:42
  Speaker 5: relatively young, like they're not, you know, in their late
• 24:45
  Speaker 5: sixties when you can access a pension, so today they can't.
• 24:48
  Speaker 5: They would have to be at their what's called like
• 24:52
  Speaker 5: a qualification age basically, which is where you hit a
• 24:55
  Speaker 5: particular age to be able to access the age pension.
• 24:58
  Speaker 5: They have a number of years before they get to that,
• 25:01
  Speaker 5: at which point I would assume that the plan is
• 25:04
  Speaker 5: not to buy property. And the reason I would say
• 25:07
  Speaker 5: it's not to buy property is because of the amount
• 25:09
  Speaker 5: that would be required to purchase that property and then.
• 25:13
  Speaker 2: Also pay off that property, et cetera.
• 25:15
  Speaker 5: They might or you might find they're in a better
• 25:18
  Speaker 5: situation to make a plan for the next five even
• 25:22
  Speaker 5: ten years to aggressively contribute to their superannuation so that
• 25:27
  Speaker 5: they can draw down on that. In addition to the
• 25:31
  Speaker 5: age care pension, which given you've told me they don't
• 25:34
  Speaker 5: have a lot of assets and I've made the assumption
• 25:35
  Speaker 5: that they don't own their house, is potentially going to
• 25:39
  Speaker 5: look like as following. Right, So the age care pension
• 25:43
  Speaker 5: gives a maximum, and there's like different levels of what
• 25:46
  Speaker 5: they're going to look at and not look at. For
• 25:49
  Speaker 5: single people, it gives a maximum of eleven hundred and
• 25:52
  Speaker 5: fifty one dollars and thirty cents a fortnite or twenty
• 25:55
  Speaker 5: seven thousand dollars a year, or for a couple, it
• 25:58
  Speaker 5: gives you fifteen hundred and eighty five dollars a fortnight,
• 26:02
  Speaker 5: which is about forty one two hundred and ten dollars
• 26:05
  Speaker 5: a year. Right, you might look at that and go great,
• 26:07
  Speaker 5: like that's within the amount that they need to live,
• 26:12
  Speaker 5: like they could definitely live on that, or you might go, oh,
• 26:15
  Speaker 5: that's not going to be super comfortable, at which point
• 26:18
  Speaker 5: that's where their superranuation comes in. And I know that
• 26:21
  Speaker 5: you're saying that their superannuation isn't heaps, but it doesn't
• 26:25
  Speaker 5: need to be. And like I think a lot of
• 26:27
  Speaker 5: people assume because you know she's on the money. It's
• 26:30
  Speaker 5: all about creating wealth and creating financial stability. And I
• 26:33
  Speaker 5: am so privileged to have this financial literacy at a
• 26:36
  Speaker 5: young age that I do want to retire a millionaire.
• 26:39
  Speaker 5: I'd be disappointed if I had this knowledge and this
• 26:41
  Speaker 5: aggressive nature to save and invest right now at this age,
• 26:45
  Speaker 5: if I didn't make the most of that and then
• 26:47
  Speaker 5: retire comfortably. The same for you, Jess, Like, I know
• 26:50
  Speaker 5: you want to retire well, and I know you will
• 26:52
  Speaker 5: because you've started so young and you had time on
• 26:54
  Speaker 5: your side right now. Your parents don't. But I don't
• 26:57
  Speaker 5: want you to stress over that, because what happens with
• 27:00
  Speaker 5: your super is we're going to load as much into
• 27:02
  Speaker 5: it as possible, and then every year we can draw
• 27:05
  Speaker 5: down on that, so the money stays invested and on average,
• 27:08
  Speaker 5: you were expecting a rate of return of about five
• 27:10
  Speaker 5: percent on that money. But then you might take out
• 27:14
  Speaker 5: a couple of thousand dollars to make life more comfortable.
• 27:16
  Speaker 5: Some years you might go no, we're not going to
• 27:18
  Speaker 5: go on a holiday, or no, we're not going to
• 27:19
  Speaker 5: do this or that, and that forty one thousand dollars
• 27:23
  Speaker 5: might just keep the lights on and life tracking along.
• 27:26
  Speaker 5: But if you want to have a sixty thousand dollar income,
• 27:29
  Speaker 5: you might take twenty thousand dollars a year from your
• 27:32
  Speaker 5: superannuation to quote top up what your pension is. And
• 27:36
  Speaker 5: the pension actually allows for that, like you're not going
• 27:39
  Speaker 5: to be reprimanded, and that money is tax free once
• 27:42
  Speaker 5: it's gone into pension phase. So I think that that's
• 27:46
  Speaker 5: really important. There are a number of different types of pensions,
• 27:50
  Speaker 5: so I would be going onto the moneysmart dot gov
• 27:52
  Speaker 5: dot AU website and understanding exactly what they might be
• 27:56
  Speaker 5: able to access. But then on top of that, there
• 27:59
  Speaker 5: are heaps of the things that you could set your
• 28:01
  Speaker 5: parents up with. So get a concession card so that
• 28:04
  Speaker 5: they get cheaper utility bills, cheaper medical bills. You know,
• 28:07
  Speaker 5: they get bulk build when they need to, they get discounted,
• 28:10
  Speaker 5: if not free public transport. In some states, you have
• 28:13
  Speaker 5: to be over the age of sixty. Your dad actually
• 28:16
  Speaker 5: ticks that box right now, so he could have those
• 28:18
  Speaker 5: benefits right now. You need to also potentially look at
• 28:22
  Speaker 5: I would say a Senior's card. So a Senior's card
• 28:25
  Speaker 5: is a really cool thing. It gives you again discounts
• 28:28
  Speaker 5: on public transport or like some goods and services. You
• 28:31
  Speaker 5: might see it at the checkout of some like cafes
• 28:33
  Speaker 5: and stuff. They do a little Senior's discount to make
• 28:35
  Speaker 5: life a little bit more affordable.
• 28:37
  Speaker 2: Don't I can gives you free cinnamon donuts.
• 28:39
  Speaker 5: There you go, And I just think cinnamon donuts are
• 28:43
  Speaker 5: going to change your life. But like, having these cards
• 28:46
  Speaker 5: and knowing the benefits of them is going to increase
• 28:49
  Speaker 5: your quality of life. Like if your parents are going
• 28:52
  Speaker 5: far out, we're going to retire, both of us are
• 28:55
  Speaker 5: currently working full time, or we have you know, more
• 28:56
  Speaker 5: than one hundred thousand dollars coming into our household right now,
• 29:00
  Speaker 5: going to forty one thousand dollars a year.
• 29:02
  Speaker 2: That's hard.
• 29:03
  Speaker 5: So what can we do to support that to go?
• 29:05
  Speaker 2: All?
• 29:06
  Speaker 1: Right?
• 29:06
  Speaker 5: Well, you love a coffee and you love a donut, Like,
• 29:08
  Speaker 5: here are a few benefits that could maintain that type
• 29:11
  Speaker 5: of lifestyle so that the two of them can still
• 29:14
  Speaker 5: go out and have those little dates or have the
• 29:15
  Speaker 5: nice sweet treats that they definitely deserve but maybe can't
• 29:19
  Speaker 5: fit in the.
• 29:20
  Speaker 2: Budget as easily.
• 29:21
  Speaker 5: Now there is going to be different eligibility criteria depending
• 29:25
  Speaker 5: on your state and territory, so you need to look
• 29:27
  Speaker 5: into that. I wish I could be like this is
• 29:28
  Speaker 5: exactly what it is. And then there's the Commonwealth Senior's
• 29:32
  Speaker 5: Healthcare cart So get them in all of that, like
• 29:36
  Speaker 5: sign them up for all the benefits. Go talk to
• 29:39
  Speaker 5: center Link, go work out what that looks like. The
• 29:42
  Speaker 5: other thing I would say is when parents get a
• 29:45
  Speaker 5: little bit older, sometimes they aren't well. And if that
• 29:50
  Speaker 5: is the case, there's often more pressure on one person
• 29:54
  Speaker 5: in that relationship, like your mum might be caring for
• 29:57
  Speaker 5: your dad. In that case, talk to send about care
• 30:00
  Speaker 5: is pay Is there an ability to have you know
• 30:03
  Speaker 5: that be documented by a doctor to get an additional
• 30:07
  Speaker 5: subsidy or an additional benefit for looking after that person,
• 30:12
  Speaker 5: which you know what, if it is accessible and available
• 30:14
  Speaker 5: to you, please just sign up for it, like it
• 30:17
  Speaker 5: is there for you. We live in this country which
• 30:19
  Speaker 5: is so beautiful, and this is why I pay my taxes.
• 30:21
  Speaker 2: Yeah, that's what I want my tax money to go
• 30:23
  Speaker 2: to it.
• 30:23
  Speaker 5: This is what I want my tax money to go towards.
• 30:25
  Speaker 5: This is why I'm so passionate about feeling privileged about
• 30:29
  Speaker 5: paying tax, and I know that so many people could
• 30:31
  Speaker 5: be like, oh it goes to the doll blood as
• 30:32
  Speaker 5: it does. I don't care about those people. There is
• 30:34
  Speaker 5: always going to be an individual in any system trying
• 30:38
  Speaker 5: to take advantage of it. But you're telling me that
• 30:40
  Speaker 5: my tax dollars go to making sure that we have healthcare,
• 30:43
  Speaker 5: that we have roads that are safe to drive on,
• 30:45
  Speaker 5: and that your parents can retire. Pop off.
• 30:48
  Speaker 2: I love that for us.
• 30:50
  Speaker 5: So you can actually do a lot about retirement planning
• 30:55
  Speaker 5: and you can actually sit down and go okay, cool,
• 30:57
  Speaker 5: like this is a bit overwhelming, but the money smart
• 30:59
  Speaker 5: webs is so straightforward, like yes, the process might be hard,
• 31:04
  Speaker 5: but like start talking to your parents now, like go
• 31:07
  Speaker 5: okay cool, Like we need to have a look at
• 31:09
  Speaker 5: your retirement plan because one thing, so for those of you,
• 31:15
  Speaker 5: you know, playing along at home, when you do the
• 31:17
  Speaker 5: aged care pension and you're trying to sign up for this,
• 31:20
  Speaker 5: there's going to be an.
• 31:21
  Speaker 2: Aged care eligibility.
• 31:23
  Speaker 5: And I'm going to do a whole episode on this
• 31:25
  Speaker 5: because I think it's really important. But in Australia, to
• 31:28
  Speaker 5: get the full pension, you cannot have assets of more
• 31:31
  Speaker 5: than four hundred and seventy thousand dollars. So let's say
• 31:35
  Speaker 5: your parents have five hundred thousand dollars in stuperanuation between
• 31:40
  Speaker 5: them and you want to get the full pension. Your
• 31:43
  Speaker 5: family home is not being taken into consideration potentially, And
• 31:47
  Speaker 5: I'm not saying that this is the perfect advice, but
• 31:50
  Speaker 5: I have seen people do it before and it has
• 31:52
  Speaker 5: worked for them. And you know, there's I'm going to
• 31:54
  Speaker 5: do a whole episode, so I can, you know, do
• 31:56
  Speaker 5: heaps of scenarios for you. I have seen people take
• 31:59
  Speaker 5: thirty thousand dollars from their super invested in upgrading their home.
• 32:02
  Speaker 5: They might get a new bathroom or you know, an
• 32:04
  Speaker 5: updated kitchen. They now fall below the eligibility for a
• 32:08
  Speaker 5: full pension, they can get their full pension instead of
• 32:11
  Speaker 5: a part pension. Yeah, and they get something out of
• 32:14
  Speaker 5: that that they actually probably wanted. But they were, you know,
• 32:18
  Speaker 5: squirreling away all of their money because they were like,
• 32:20
  Speaker 5: we'll need as much as possible, and which is true.
• 32:22
  Speaker 5: But then maybe they've got that. And we're just using
• 32:25
  Speaker 5: this as an example because I know lots of people
• 32:27
  Speaker 5: are not retiring with four hundred and seventy thousand dollars
• 32:29
  Speaker 5: in superannuation, but then they've got that four seventy that
• 32:33
  Speaker 5: is not going to last them their entire life. But
• 32:36
  Speaker 5: they might every year take another twenty thousand dollars out
• 32:39
  Speaker 5: of their super and then have their pension of forty
• 32:42
  Speaker 5: one thousand dollars and have a sixty thousand dollars income,
• 32:45
  Speaker 5: And that is what retirement planning could look like for them.
• 32:49
  Speaker 5: I'm not saying that your parents are you know, flush
• 32:51
  Speaker 5: with cash, but in Australia, we are so lucky to
• 32:54
  Speaker 5: have a system that supports people being able to move
• 32:57
  Speaker 5: into retirement and live out their best lives. And I'm
• 33:00
  Speaker 5: not saying it's going to be, you know, an income
• 33:02
  Speaker 5: of like three hundred grand and they're living plush and
• 33:04
  Speaker 5: they go on to Italy and all of that. Like
• 33:06
  Speaker 5: they can retire, they can put food on the table,
• 33:09
  Speaker 5: they can still enjoy life and not have to work
• 33:12
  Speaker 5: full time for the rest of their lives. But in
• 33:14
  Speaker 5: saying that, we are seeing and I'm so passionate about this,
• 33:17
  Speaker 5: but we are seeing people choose to retire later, like
• 33:20
  Speaker 5: closer to seventy or seventy five, because they feel fit,
• 33:22
  Speaker 5: they feel healthy, and they feel well, and they're like, well,
• 33:25
  Speaker 5: I want to put more money into my superrow. I
• 33:27
  Speaker 5: want to continue to work so that I can have
• 33:29
  Speaker 5: more And that's valid as well. So have this conversation
• 33:33
  Speaker 5: with your parents. You don't know what their intentions are.
• 33:35
  Speaker 5: And just because the quote retirement age is sixty five
• 33:38
  Speaker 5: doesn't mean they have to tap out then, especially if
• 33:41
  Speaker 5: they're fit and well and healthy. Like there's also sorry
• 33:44
  Speaker 5: getting a little bit ahead of this, there is also
• 33:46
  Speaker 5: like the ability to do some part time work while
• 33:49
  Speaker 5: still getting your full time pension. So like there's up
• 33:52
  Speaker 5: to I think it's about eleven thousand dollars. Do not
• 33:54
  Speaker 5: quote me on that number because I haven't been a
• 33:56
  Speaker 5: financial advisor in a long time, but it's about eleven
• 33:59
  Speaker 5: thousand dollars worth of work you can do. So if
• 34:01
  Speaker 5: your dad wants to continue doing one or two days
• 34:03
  Speaker 5: a week or something, he might actually be able to
• 34:06
  Speaker 5: do that, maintain some like work life balance, and also retire.
• 34:11
  Speaker 5: So I just there's a lot you can do. And
• 34:13
  Speaker 5: I think a lot of people just assume fire out.
• 34:16
  Speaker 5: My parents don't have heaps, they're not going to be
• 34:17
  Speaker 5: able to retire, and it's going to come back on me.
• 34:20
  Speaker 5: You know what, I think that stepping into going hey,
• 34:23
  Speaker 5: I could actually help you with financial planning. It doesn't
• 34:26
  Speaker 5: mean it has to be your money. So let's maybe
• 34:29
  Speaker 5: move towards being able to help people that way, because
• 34:32
  Speaker 5: do you know how many people don't know what they're
• 34:33
  Speaker 5: able to access?
• 34:34
  Speaker 4: Yeah, and your time you thinking about it early, like
• 34:36
  Speaker 4: this is great time to figure it out exactly.
• 34:39
  Speaker 5: Exactly, and there's never like it's never too late. Yeah,
• 34:43
  Speaker 5: like there's always a way to make something work. Yeah, totally,
• 34:46
  Speaker 5: That's why I love financial planning anyway, Sorry, guys, we
• 34:48
  Speaker 5: can do the juicy stuff now.
• 34:49
  Speaker 4: All right, this week's m when a little something like this, Hey,
• 34:53
  Speaker 4: she's some money. This might be over the top, but
• 34:55
  Speaker 4: it's getting colder and my winter anxiety is setting in.
• 34:59
  Speaker 4: I live in a share and I'm really careful.
• 35:01
  Speaker 2: With my money.
• 35:02
  Speaker 4: I'll layer up sit under a blanket before I even
• 35:05
  Speaker 4: think about turning the heating on. But my housemate is
• 35:08
  Speaker 4: the total opposite. She'll crank the heating the second it's
• 35:11
  Speaker 4: cold and walk around in a T shirt like it's summer.
• 35:13
  Speaker 4: Every time I hear it kick on, I feel sick
• 35:16
  Speaker 4: thinking about the bill, our priorities are just so different.
• 35:19
  Speaker 4: She earns more than I do and doesn't seem to
• 35:22
  Speaker 4: think about the cost, and I literally lie in bed
• 35:24
  Speaker 4: worrying about it. I don't think it's fair that we
• 35:26
  Speaker 4: split the bill fifty to fifty because I barely use
• 35:29
  Speaker 4: the heater. I haven't said anything because I don't want
• 35:31
  Speaker 4: to be that housemate, but it's starting to really stress
• 35:34
  Speaker 4: me out. What do you even do in that situation?
• 35:39
  Speaker 2: I am the crank the heater housemate.
• 35:42
  Speaker 6: But I also think, like if you are living with someone,
• 35:47
  Speaker 6: this is the tricky thing about like housemates, and like
• 35:50
  Speaker 6: any kind of situation where you are put in a
• 35:53
  Speaker 6: position where like if you discuss how you're feeling, people
• 35:57
  Speaker 6: are I don't know what I'm trying to say, but
• 35:58
  Speaker 6: I think like in this dynamic, the likelihood of someone
• 36:01
  Speaker 6: getting defensive is so much higher for some reason in
• 36:04
  Speaker 6: like a sharehouse environment. So it's like it's very hard
• 36:06
  Speaker 6: to like just be like, oh, just communicate with them.
• 36:09
  Speaker 2: Because this is a very scary situation. I totally get that.
• 36:13
  Speaker 6: But hopefully your housemate is someone who is really really
• 36:16
  Speaker 6: open and really chill, really fair, really kind, and is
• 36:20
  Speaker 6: not going to be defensive.
• 36:21
  Speaker 2: That is the perfect scenario.
• 36:23
  Speaker 6: I do think it's you know, and I don't want
• 36:24
  Speaker 6: to be like, you know, communication is key, but I
• 36:26
  Speaker 6: think people grew up different. I feel like if you
• 36:28
  Speaker 6: grew up wanting to just blast the heater out, like
• 36:32
  Speaker 6: I grew up in a heater household, where like there's
• 36:34
  Speaker 6: not even for a single second, and there's no way
• 36:36
  Speaker 6: I'm going to be uncomfortable in my own house. And
• 36:38
  Speaker 6: then I moved in with a friend who was like,
• 36:40
  Speaker 6: just put a blanket on. I'm like, oh, please put
• 36:42
  Speaker 6: the heater on it. And she's like, put a blanket on,
• 36:43
  Speaker 6: just put some pants on, and like, but then once
• 36:46
  Speaker 6: I move from the blanket and I'm in the air again,
• 36:50
  Speaker 6: I'm freezing cold and I just want to move around
• 36:53
  Speaker 6: my home comfortably.
• 36:56
  Speaker 2: And she's like, no, it's you know, just chuck some
• 36:57
  Speaker 2: socks on, just put more socks.
• 36:59
  Speaker 6: On, that friendly pairs of socks anywhere I just put
• 37:03
  Speaker 6: the heater on.
• 37:04
  Speaker 2: And so like, I'm a heater girl because I want
• 37:06
  Speaker 2: the air to be warm. I want to move freely.
• 37:09
  Speaker 2: But I will also pay. I'll happily pay more.
• 37:12
  Speaker 5: You would hate living with me.
• 37:13
  Speaker 2: I hate cold.
• 37:15
  Speaker 5: You would because like even when the heater goes on,
• 37:17
  Speaker 5: Get this, guys, this is not a flex. Jess would
• 37:20
  Speaker 5: hate living with me as well. In fact, when just
• 37:22
  Speaker 5: comes to my house, I purposefully put the heater up
• 37:24
  Speaker 5: because I know she'll be more that's cue.
• 37:26
  Speaker 2: But like I will put the heater.
• 37:27
  Speaker 5: Up to a level when Jess is not in my
• 37:30
  Speaker 5: house that it just takes the edge off, like it
• 37:32
  Speaker 5: doesn't have to be warm. But like, girl, we're not
• 37:35
  Speaker 5: going to be living in twenty three degree heat. Like
• 37:37
  Speaker 5: you don't need heat twenty three degree heat, No, absolutely not,
• 37:41
  Speaker 5: and your house does not need to be twenty three degrees,
• 37:43
  Speaker 5: but like it can't be below like sixteen, that's ridiculous totally,
• 37:47
  Speaker 5: but like you know, I'll get it up to twenty
• 37:49
  Speaker 5: and then I'll turn off the heater.
• 37:52
  Speaker 7: Yeah, because you can wear socks and a blanky and
• 37:57
  Speaker 7: like it's just so not efficient energy why But also
• 38:00
  Speaker 7: like it's so expensive, like that's the bee it's so
• 38:04
  Speaker 7: expended expensive.
• 38:05
  Speaker 6: But if someone was like I'll pay seventy eighty percent
• 38:08
  Speaker 6: of the energy bill.
• 38:09
  Speaker 5: Yeah, but you're not having that conversation yet. So like
• 38:11
  Speaker 5: if your housemate had said that you're not going to
• 38:13
  Speaker 5: feel sick at night, are you, like you're not going
• 38:15
  Speaker 5: to be like worried about it. Just what would you
• 38:17
  Speaker 5: do if you and I had to time?
• 38:19
  Speaker 2: Like right in the middle.
• 38:20
  Speaker 4: So as you guys know, someone actually commented with this
• 38:22
  Speaker 4: on one of our reels very recently. We spoke about
• 38:25
  Speaker 4: do you remember we filmed it. It was like, what
• 38:26
  Speaker 4: would you not give up from your budget? And I said,
• 38:28
  Speaker 4: I don't think there's anything that I wouldn't cut if
• 38:30
  Speaker 4: I had to cut things. Yes, And someone commented and said, would.
• 38:33
  Speaker 2: Just give up her?
• 38:36
  Speaker 4: We've actually reduced our average temperature by two degrees this year.
• 38:41
  Speaker 2: It's important we did what it's better for the environment.
• 38:44
  Speaker 4: And also just like last year, one month we had
• 38:45
  Speaker 4: a bill it was eight hundred dollars and I nearly died.
• 38:48
  Speaker 2: I nearly died, but for the quarter, for the quarter
• 38:51
  Speaker 2: for the gas.
• 38:52
  Speaker 5: Now it was for a month.
• 38:54
  Speaker 4: Really yeah, and that's when I was I think our
• 38:56
  Speaker 4: house and this is the thing is we have high ceilings,
• 38:59
  Speaker 4: we have a bedroom house, Like it's not cheap to
• 39:01
  Speaker 4: heat so at all. Yeah, there's lots of things a
• 39:03
  Speaker 4: factor in. I would say, I agree, you got to
• 39:05
  Speaker 4: talk to your house mate because if they're like Beck
• 39:07
  Speaker 4: and they grew up in a household where you didn't
• 39:09
  Speaker 4: think about it. I grew up in a house that
• 39:10
  Speaker 4: didn't have heating as a child, like we did not
• 39:12
  Speaker 4: We had a one single flame heater on the wall.
• 39:16
  Speaker 2: That was it. Like, we didn't have central it teing,
• 39:18
  Speaker 2: So it's never something we thought about. As an adult,
• 39:20
  Speaker 2: I was like, oh my god, heating, this is mint.
• 39:23
  Speaker 4: Yeah, so I've just like gone really hard on the extreme.
• 39:26
  Speaker 4: But if you're someone who never had to think about it,
• 39:28
  Speaker 4: it might not even be occurring to them in the
• 39:30
  Speaker 4: way that it is to you. So I think that
• 39:33
  Speaker 4: by bringing it up, if they're as VI was saying,
• 39:35
  Speaker 4: if they're a nice person, they might just go, oh
• 39:37
  Speaker 4: my god, I'm so sorry. I hadn't even thought about that.
• 39:39
  Speaker 4: So hopefully if you approach them kindly, they can just
• 39:42
  Speaker 4: see it from your perspective. A good alternative if there's
• 39:45
  Speaker 4: someone like Beck who does want to live in warm air,
• 39:49
  Speaker 4: look at like.
• 39:49
  Speaker 2: A little space heater.
• 39:50
  Speaker 4: You can get some like relatively energy efficient ones nowadays,
• 39:54
  Speaker 4: and particularly like if you're sitting in a living room
• 39:56
  Speaker 4: or a bedroom, like you don't need to be heating
• 39:58
  Speaker 4: a house and all of it rooms if.
• 40:00
  Speaker 2: You're not using all of the roots totally.
• 40:02
  Speaker 4: So those little space heaters are great because then maybe
• 40:04
  Speaker 4: your housemate could heat whatever room they're into their hearts desire.
• 40:08
  Speaker 4: They can keep it toasty comfortable, the don't have to
• 40:10
  Speaker 4: feel bad, and the electricity is generally a lot more
• 40:13
  Speaker 4: affordable than gas as well. So if you can get
• 40:15
  Speaker 4: an energy efficient one, because there are some that are
• 40:17
  Speaker 4: really not zero energy efficient, that might be a good
• 40:20
  Speaker 4: middle ground.
• 40:20
  Speaker 2: But I think you just have a chat to them.
• 40:22
  Speaker 6: And I wasn't even thinking about it because we don't
• 40:25
  Speaker 6: really do the air con like household thing.
• 40:27
  Speaker 7: I was.
• 40:28
  Speaker 2: I was thinking about those little orange radiator heaters. You
• 40:31
  Speaker 2: put your heater blanket on, you get your radiated. You
• 40:34
  Speaker 2: know it's and so that's what I was.
• 40:35
  Speaker 4: So that's actually really clod blanket too. We recommended this
• 40:39
  Speaker 4: on stories recently.
• 40:42
  Speaker 2: Used to at the office.
• 40:44
  Speaker 4: If you're an officerity, you would need a heated tha
• 40:47
  Speaker 4: get it came out. I think you're about forty five dollars.
• 40:49
  Speaker 4: Aldie did them as a special wife a few weeks ago.
• 40:51
  Speaker 2: Forty five You would be shocked at how warm one
• 40:54
  Speaker 2: of those keeps you. A gift.
• 40:57
  Speaker 5: Also, I want to mention here because Becky said that
• 41:00
  Speaker 5: it was a really scary thing to have these conversations
• 41:02
  Speaker 5: with your housemate, and I totally get that. I think
• 41:05
  Speaker 5: when you're having these conversations, you also need to take
• 41:09
  Speaker 5: the emotion out of it. But you need to actually
• 41:11
  Speaker 5: look at how you're approaching situations like this. Because if Beck,
• 41:15
  Speaker 5: you and I live together and I came to you
• 41:16
  Speaker 5: and I said, you always have the heater on, immediately,
• 41:19
  Speaker 5: you're going to be different one hundred percent. So we
• 41:22
  Speaker 5: need to approach it. Hey, Beck, I'm actually really stressed
• 41:25
  Speaker 5: about the money side of things, and I noticed our
• 41:27
  Speaker 5: bill's really high, and I just I feel we're not
• 41:30
  Speaker 5: saying you do, We're saying I feel like we could
• 41:33
  Speaker 5: probably cut back on how much we use the heater
• 41:37
  Speaker 5: because I didn't realize how much it was, or you know,
• 41:40
  Speaker 5: you could even find some soft ways to integrate it,
• 41:42
  Speaker 5: be like I saw this TikTok about how much heaters
• 41:44
  Speaker 5: like actually cost and how much they bump up your bill,
• 41:46
  Speaker 5: or you know, I listened to this podcast, Like, you
• 41:49
  Speaker 5: don't have to immediately go you always have the heater.
• 41:52
  Speaker 5: The second you do that, you're making a defensive conversation
• 41:55
  Speaker 5: and they're not going to come to the table. They're
• 41:57
  Speaker 5: going to come to their own defense. So how do
• 42:00
  Speaker 5: you start a conversation where people are going to come
• 42:02
  Speaker 5: to the table as opposed to come to the defense.
• 42:05
  Speaker 5: So I think in any situation, whether it's your housemates
• 42:09
  Speaker 5: storing their stuff on your shelf in the fridge, or
• 42:11
  Speaker 5: if it is you, you know, trying to negotiate the heating.
• 42:14
  Speaker 2: Bill, it's a we thing.
• 42:16
  Speaker 5: We are in a household together and we are able
• 42:20
  Speaker 5: to have an impact on our finances.
• 42:22
  Speaker 6: It's also like the problem is that the energy prices
• 42:25
  Speaker 6: and you take the people out of it. It's like
• 42:27
  Speaker 6: you probably love your housemate and you guys have it exactly.
• 42:30
  Speaker 6: So that's why we need to tackle things as.
• 42:33
  Speaker 2: A group as opposed to this.
• 42:35
  Speaker 5: Housemate does one thing and another that just creates division
• 42:38
  Speaker 5: and it's just going to mean that that's a point
• 42:40
  Speaker 5: of contention. You might drop the conversation and never want
• 42:43
  Speaker 5: to come back to it because you're like, oh, we
• 42:44
  Speaker 5: just fought when that happened.
• 42:47
  Speaker 2: You want to hear what everyone else?
• 42:48
  Speaker 4: Yes, please alright it So the first thing we asked
• 42:50
  Speaker 4: over on Instagram was are you the type of person
• 42:52
  Speaker 4: who rugs up before you put the heating on? Sixty
• 42:55
  Speaker 4: one percent said yep, I'm a human burrito, twenty percent
• 42:58
  Speaker 4: said no, give me the warmth asap, and nineteen percent said,
• 43:03
  Speaker 4: in this economy, yeah, I am. Next, we said how
• 43:06
  Speaker 4: would you handle this situation?
• 43:08
  Speaker 2: Eighty percent of.
• 43:09
  Speaker 4: People said, girl, you got to bring it up asap,
• 43:12
  Speaker 4: nine percent of people said I'm just going to live
• 43:14
  Speaker 4: with it, and twelve percent of people said I'd passive
• 43:17
  Speaker 4: aggressively start dropping some hints.
• 43:19
  Speaker 5: Okay, no, no passive aggressiveness. No one wants to live
• 43:22
  Speaker 5: with someone who's passive aggressive.
• 43:24
  Speaker 6: No.
• 43:24
  Speaker 2: It makes people stop leaving notes on things. Stop it. Yeah, yeah,
• 43:28
  Speaker 2: awkward chats in the group text.
• 43:30
  Speaker 5: Yeah, stop leaving the house.
• 43:31
  Speaker 2: They're sending a group message. Come that out.
• 43:34
  Speaker 4: Lastly, we said give us your two cents. We definitely
• 43:36
  Speaker 4: got some thoughts. Firstly, somebody said, I implemented a five
• 43:40
  Speaker 4: clothing rule in my sharehouse, but I must be wearing
• 43:44
  Speaker 4: pants atop a jumper, socks and slippers before.
• 43:46
  Speaker 2: The eating grace on. Wow, I kind of don't hate it. Yeah,
• 43:50
  Speaker 2: I actually like it. I think it's fair too.
• 43:54
  Speaker 4: Next, somebody said to me, eating is a basic necessity,
• 43:56
  Speaker 4: and I give up other things before I gave up heating,
• 43:59
  Speaker 4: which is also a very fair take. Somebody else said,
• 44:02
  Speaker 4: you have to take the downsides with the upsides of
• 44:04
  Speaker 4: sharing a house. It is cheaper for a reason, which
• 44:08
  Speaker 4: is kind of a good point.
• 44:09
  Speaker 5: Yeah, but it's not if you just have the heater
• 44:10
  Speaker 5: on the whole time.
• 44:11
  Speaker 4: Well, yeah, I could probably pay more, more less and
• 44:14
  Speaker 4: live on your own exactly. Somebody else said, I'd want
• 44:17
  Speaker 4: to have proof that it makes a significant difference before
• 44:20
  Speaker 4: I bother bringing it up.
• 44:21
  Speaker 5: So I just look at your winter versus your summer bill. Yeah,
• 44:24
  Speaker 5: there's your proof, or year on year potentially even before
• 44:28
  Speaker 5: Jess moved in.
• 44:29
  Speaker 4: Yeah, cheaper or also get a heat pack. Heat packs
• 44:33
  Speaker 4: a great for heating. That's another one I've got true.
• 44:35
  Speaker 4: Somebody else said, I've been in this exact situation. I said, nothing,
• 44:39
  Speaker 4: my house makes work from home and had the heating
• 44:42
  Speaker 4: on twenty four to seven.
• 44:43
  Speaker 2: This is also a great point one person.
• 44:45
  Speaker 4: Because I'm the work from home person. But I just
• 44:47
  Speaker 4: don't turn the heater on like we have it on
• 44:49
  Speaker 4: in the morning to bring it up to like, you know,
• 44:51
  Speaker 4: nineteen degrees twenty degrees, and then I'll leave it off
• 44:55
  Speaker 4: snug with a heat bag and then it goes on
• 44:57
  Speaker 4: the evening when we're both home. Oh cute, Like, maybe
• 45:01
  Speaker 4: that's what we try, you know, maybe there's a middle ground.
• 45:03
  Speaker 4: Somebody else said bring it up, but be prepared that
• 45:05
  Speaker 4: they'll probably have grievances to raise tu Yeah.
• 45:09
  Speaker 2: Yeah, that's well. Start stealing our cereal.
• 45:13
  Speaker 4: Yeah, stop leaving your socks next to the laundry basket.
• 45:19
  Speaker 2: I've had a conversation about that.
• 45:21
  Speaker 4: And lastly somebody said hide the remote and then plead innocence.
• 45:26
  Speaker 2: She's just disappeared.
• 45:30
  Speaker 6: Yeah, because there's no like, it's not like a TV
• 45:31
  Speaker 6: with like another button on the thing. Maybe there is,
• 45:33
  Speaker 6: I don't know is a.
• 45:35
  Speaker 5: Wall one, but it tends ours has the remote sitting
• 45:40
  Speaker 5: on the wall. I'm pulling it off.
• 45:42
  Speaker 4: Yeah, I just no, it definitely wasn't me. I definitely
• 45:44
  Speaker 4: I never turned the heating on.
• 45:45
  Speaker 2: I don't know whether I'm a really budget friendly option.
• 45:49
  Speaker 5: You can actually have a baby and then you can
• 45:51
  Speaker 5: blame the remote going missing on the baby.
• 45:54
  Speaker 2: He must have run off with it, Yeah, must have
• 45:58
  Speaker 2: been months. You're going to be just fine.
• 46:01
  Speaker 5: They're going to be financially flush, and I think that's it.
• 46:06
  Speaker 2: I'm going to see me out. I hope you feeling
• 46:09
  Speaker 2: had it.
• 46:09
  Speaker 4: Next week, VD, we miss your toes, but you can
• 46:12
  Speaker 4: hear on Monday.
• 46:14
  Speaker 2: That was recorded before this. I think it's quite sexy.
• 46:18
  Speaker 1: You don't.
• 46:19
  Speaker 2: That's very nice.
• 46:20
  Speaker 5: That's very nice. We'll see you next week, guys.
• 46:22
  Speaker 2: Bye guys.
• 46:22
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• 46:31
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• 46:35
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• 46:44
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• 46:47
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• 46:50
  Speaker 3: Victoria Divine and She's on the Money are authorized representatives
• 46:54
  Speaker 3: of money sirper Pty lt D. A b N three
• 46:57
  Speaker 3: two one is six four nine two seven seven z
• 47:00
  Speaker 3: roe eight a f s L four five one two
• 47:02
  Speaker 3: eight nine
• 47:13
  Speaker 2: Mm hmm