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MONEY DIARIES: Frome Homelessness To Homeowner · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
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Speaker 1: the Order Kernye Whoalbury and a waddery woman. And before
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Speaker 1: we get started on She's On the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
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Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming
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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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Speaker 1: and the storytelling of you to make a difference for
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Speaker 1: today and lasting impact for tomorrow.
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Speaker 2: Let's get into it.
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Speaker 3: She's on the Money, She's on the Money.
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Speaker 2: Hello, and welcome to She's on Them the podcast and
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Speaker 2: millennials who want financial freedom. Welcome back to another one
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Speaker 2: of our money diaries. My favorite episode of the week,
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Speaker 2: if I do say so, where I get the absolute
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Speaker 2: privilege of talking to one of our incredible Shees on
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Speaker 2: the Money community members all about their journey. Let's jump
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Speaker 2: straight into it because I got an email this week
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Speaker 2: and it sounded exactly like this.
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Speaker 1: Hi Ve.
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Speaker 2: After growing up with a financially irresponsible and manipulative father,
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Speaker 2: I found myself homeless between the ages of twenty to
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Speaker 2: twenty two. This was due to wanting to distance myself
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Speaker 2: from my dad. But the good news is I have
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Speaker 2: flipped my life around and independently bought my first unit
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Speaker 2: at twenty five. I'm now working in mental health and
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Speaker 2: would love to share my story with the community. Money Diarist, Yes,
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Speaker 2: oh my gosh, I'm so proud of you. Are you
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Speaker 2: proud of you?
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Speaker 4: I am? Yeah, it doesn't feel real. I have to
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Speaker 4: pinch myself sometimes to be like, what is happening?
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Speaker 2: Imagine like the flip from homeless too, literally owning your
2:02
Speaker 2: own unit? What in the wizard? I can't wait to
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Speaker 2: learn more? Should we get into it?
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Speaker 4: We shall?
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Speaker 2: Okay? As always, I ask the same question first, money
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Speaker 2: dos If I asked you to give your money habits
2:15
Speaker 2: a grade from A through to S, what would you
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Speaker 2: grade them?
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Speaker 4: I would say A big plus moving towards an A,
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Speaker 4: like I've got plans in place to get to an A.
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Speaker 2: Oh I love this all right. I feel like you've
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Speaker 2: got a story that we are going to be so
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Speaker 2: privileged to hear. So let's dive into it. Can you
2:33
Speaker 2: tell me a little bit more about your money story?
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Speaker 4: Yeah? So obviously it starts at home. I am one
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Speaker 4: of twelve, one of twelve. Yeah, I've got eleven siblings,
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Speaker 4: so family tree is very messy. I've got five biological siblings,
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Speaker 4: three step and four half, so there's like different marriages
2:52
Speaker 4: and there different parents. But I knew everyone from the
2:55
Speaker 4: age of five and for as long as I can remember,
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Speaker 4: I spent one week at mom's, one week at and
3:00
Speaker 4: so there were two very different money stories at each house.
3:04
Speaker 4: At my mom's house, she was always pretty financially stable.
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Speaker 4: She lived very well within her means and was good
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Speaker 4: at prioritizing what needed money to be spent on, so
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Speaker 4: we never had anything extra because she had six kids,
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Speaker 4: so obviously that's a lot to support.
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Speaker 2: That's so many minis.
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Speaker 4: Yeah, we'd be able to go on school camps, but
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Speaker 4: we wouldn't have internet, so she was good at making
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Speaker 4: sure that we were all quite well looked after. Thankfully.
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Speaker 2: Oh I love her.
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Speaker 4: Yeah, she did the best that she could with what
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Speaker 4: she had at the time, and she owned her own home.
3:35
Speaker 4: She lived an hour from my high school. So as
3:38
Speaker 4: I got older, I started going less and less and
3:41
Speaker 4: spending more time at my dad's house. And at my
3:44
Speaker 4: dad's house, it was the complete opposite. He always lived
3:48
Speaker 4: completely outside of his means and was financially manipulative.
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Speaker 2: That's so like black and white as well, Like they're
3:56
Speaker 2: so different in experiences, Like having a mom like that
3:59
Speaker 2: and then having a d like that would have been
4:01
Speaker 2: so confusing.
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Speaker 4: Yeah, especially when you're younger, because you don't understand manipulation
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Speaker 4: at or and you don't understand the power of money,
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Speaker 4: I guess, and how it can be used to control people.
4:11
Speaker 4: But he owned the family business. Whatever he said went
4:15
Speaker 4: really And I had a stepmum at this point, and
4:19
Speaker 4: she was great. She would always make sure that we
4:21
Speaker 4: were well looked after. And his argument was that she
4:25
Speaker 4: was better at looking after people and he was better
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Speaker 4: at finances, and so she had no access to family
4:29
Speaker 4: finances and he would give her an allowance.
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Speaker 1: No.
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Speaker 2: Yeah, I'm not gonna say way back then because it's
4:35
Speaker 2: not that long ago. But I feel like if you've
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Speaker 2: never really been taught any different and then you have
4:41
Speaker 2: these conversations and people say, well that's how relationships work,
4:45
Speaker 2: you just go, oh, okay, no worries, like because in
4:47
Speaker 2: the moment it doesn't feel like that big of a
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Speaker 2: like ask and like I could totally gaslight someone into
4:53
Speaker 2: believing that me giving them a like an allowance is
4:56
Speaker 2: a good idea totally, Like, and I don't mean that
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Speaker 2: in a way I ever would like you just go, oh,
5:01
Speaker 2: I could definitely like be like no money diarist, Like
5:04
Speaker 2: it's actually better to do it this way because then
5:06
Speaker 2: will always be financially comfortable and you know what you
5:09
Speaker 2: can spend, and like there's definitely ways around it. I
5:11
Speaker 2: feel like so many times people hear these stories and
5:13
Speaker 2: they're like, well, that's ridiculous, and you're like, you need
5:15
Speaker 2: to think a little bit more deeply about.
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Speaker 4: This, Yeah, especially when you're worried about family as well.
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Speaker 4: Like she, even though she was my stepmom, she really
5:23
Speaker 4: like adopted all of us as her own kids. So
5:25
Speaker 4: she never wanted to leave because she was like, I
5:27
Speaker 4: care so much for these kids, and she had children
5:29
Speaker 4: with him, and she really wanted to make sure that
5:32
Speaker 4: this dynamic really worked.
5:33
Speaker 2: What a honey.
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Speaker 4: Yeah, he would give her money and expect her to
5:39
Speaker 4: support the family with that money. Meanwhile, any money outside
5:42
Speaker 4: of that was his money. So it was like his
5:44
Speaker 4: money is his money, and everyone else's money is also
5:47
Speaker 4: his money.
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Speaker 2: Oh, what's yours is mine and what's mine is mine.
5:50
Speaker 2: I love this for him.
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Speaker 4: Well, you see, father dumb attack. It did not work
5:54
Speaker 4: out for him whatsoever.
5:56
Speaker 2: Low key good.
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Speaker 4: Yeah, And so she would make sure that we did
6:01
Speaker 4: things like after school activities and trying to just make
6:05
Speaker 4: sure that we were happy. And meanwhile he would be
6:07
Speaker 4: spending ridiculous amounts of money on sports cars and flashy things,
6:12
Speaker 4: really trying to look rich and really wanting to have
6:15
Speaker 4: this flashy lifestyle that he could not support.
6:18
Speaker 2: But he can't even help his kids like ill sir illa.
6:22
Speaker 4: Yeah, he would complain about how much was being spent
6:24
Speaker 4: on school shoes and things like that. Yeah, it was ridiculous.
6:28
Speaker 4: So he never owned his own home.
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Speaker 2: Yeah, because he was fake rich exactly.
6:32
Speaker 4: So we ended up moving into an apartment above the
6:36
Speaker 4: family shop, which was a restum and so it was
6:38
Speaker 4: a two bedroom you know, and there was I think
6:40
Speaker 4: ten of us living in it at one point.
6:43
Speaker 2: Oh my gosh.
6:44
Speaker 4: Yeah. And his argument was that we needed to make
6:48
Speaker 4: sacrifices so that we could save up for a house
6:50
Speaker 4: deposit and one day it would pay off. Okay, we
6:53
Speaker 4: all toughed it out, lived in like this quite uncomfortable situation.
6:57
Speaker 4: But anytime he saved up enough money to buy house,
7:00
Speaker 4: he would just spend it on ridiculous things such as
7:02
Speaker 4: like expensive holidays or things like that, trying to look
7:06
Speaker 4: rich for his rich friends.
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Speaker 2: That's so yuck. Oh my gosh, like low key, I'm
7:11
Speaker 2: just frustrated at your dad on your book.
7:14
Speaker 4: Yeah, but again, he told everyone that he knew best
7:17
Speaker 4: and that he was a financial wizard, and none of
7:20
Speaker 4: us knew anything, so we just had to trust him,
7:23
Speaker 4: and everything that he did was for the family anyway.
7:26
Speaker 2: So oh that's so kind. Yeah, okay, well in that case.
7:29
Speaker 4: Yeah, so from the age of five, I was always
7:33
Speaker 4: working for any money that I had. It was doing
7:35
Speaker 4: chores around the house to be able to buy chocolate.
7:37
Speaker 4: And when I was twelve, I started working in the
7:39
Speaker 4: family business as well, getting pocket money and things like that.
7:43
Speaker 4: And I'd always have to save up for anything that
7:45
Speaker 4: I wanted to do that wasn't school or one activity.
7:50
Speaker 4: And by the time I was sixteen, I was pretty
7:53
Speaker 4: much the only kid left that was interested in the
7:56
Speaker 4: family business. So it was really jilled into me that
7:58
Speaker 4: like this is going to be yours. You need to
8:00
Speaker 4: focus on it, you need to help manage it, you
8:03
Speaker 4: need to start doing bookkeeping things like that, and I
8:06
Speaker 4: didn't have any time to think about any other future
8:09
Speaker 4: that I wanted. It was all just family business, family business.
8:13
Speaker 4: And as I started doing the bookkeeping, along with that
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Speaker 4: came with seeing how much debt he was in.
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Speaker 2: Oh, it's bold of him to like allow you into
8:23
Speaker 2: that space, given how irresponsible he was. Honestly, sometimes men
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Speaker 2: in their audacity confuses me.
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Speaker 4: I think he thought there was nothing wrong with it.
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Speaker 4: He was like, well, this is just part of being
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Speaker 4: a businessman.
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Speaker 2: No, it's not by Yeah.
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Speaker 4: I think he thought that he was really smart for
8:40
Speaker 4: the way that he would evade so many debts and
8:43
Speaker 4: how he managed to make it work. But really I
8:46
Speaker 4: saw that he was just lying to so many people.
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Speaker 4: He was caught evading taxes within the business. He owed
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Speaker 4: tens of thousands of dollars to our food supply to
8:56
Speaker 4: the point that they were don't need to cut the
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Speaker 4: business off, which would mean that the business wouldn't be
9:00
Speaker 4: able to run anymore. He owed money to friends. Yeah,
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Speaker 4: And I think seeing all of that just made me
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Speaker 4: realize I never wanted to look rich. I never wanted
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Speaker 4: to care for that because I saw how ridiculous it was.
9:13
Speaker 4: I saw that it leads to nothing. It just leads
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Speaker 4: to more debt and embarrassment and having to dodge people.
9:20
Speaker 4: And yeah, so it really taught me that I never
9:23
Speaker 4: wanted credit cards, I never wanted to live outside of
9:25
Speaker 4: my means. I never wanted to owe anyone anything. And
9:29
Speaker 4: I'm glad for that lesson that it taught me. And
9:32
Speaker 4: so when I was twenty, I got my license, and
9:36
Speaker 4: I decided I had had enough and I didn't want
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Speaker 4: to be around him anymore for the financial aspect, but
9:44
Speaker 4: also for so many other things that were going on
9:46
Speaker 4: as well. So I told everyone that I was going
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Speaker 4: on a camping trip and then I drove sixteen hours
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Speaker 4: away where I had a job lined up in a
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Speaker 4: food truck. And yeah, that was the start of me
9:58
Speaker 4: running away and being for two years.
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Speaker 2: You said you were going on a camping trip, and
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Speaker 2: you kind of were, but you were lying.
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Speaker 4: That's just a really long camping trip.
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Speaker 2: How long did people think you were going for?
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Speaker 4: I think like a week or two. It was funny.
10:13
Speaker 4: One of our family friends worked in the shop and
10:16
Speaker 4: she saw me packing my bags and she was like,
10:18
Speaker 4: you're not coming back, are you? And I was like, no,
10:21
Speaker 4: I'm not a shuing you, but my family didn't know.
10:24
Speaker 2: Yeah, which I think obviously you were putting you first
10:29
Speaker 2: and that was like clearly the best and safest way
10:32
Speaker 2: to go about that circumstance. So I'm very proud of
10:35
Speaker 2: you for that. But in that moment when somebody was
10:38
Speaker 2: like you're not coming back, are you? Were you worried
10:42
Speaker 2: that they would I guess dip a dub on you
10:44
Speaker 2: or you like, no, everyone can see how toxic this is.
10:47
Speaker 2: That would make sense.
10:49
Speaker 4: Everyone could see how toxic it was, especially because we
10:51
Speaker 4: were living at the shop and so all this stuff.
10:54
Speaker 4: Could see the dynamics and whatnot. But everyone was scared
10:58
Speaker 4: of him, like he was good at making shotte were
11:00
Speaker 4: scared of him. So everyone could see how toxic it was.
11:02
Speaker 4: And I wasn't worried that she would tell anyone because
11:07
Speaker 4: we had such a good connection. She didn't know me
11:08
Speaker 4: since I was like two years old.
11:10
Speaker 2: Oh my heart. And so yeah, baby, you get seen
11:13
Speaker 2: a car drive sixteen hours, you find a job up
11:16
Speaker 2: at a food truck, How did you survive?
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Speaker 4: So the food truck, it was one that would do
11:22
Speaker 4: events and they just paid me cash in hand. It
11:25
Speaker 4: wasn't a well paying job, but cash is cash, yeah exactly,
11:28
Speaker 4: And so I just became really good at making sure
11:31
Speaker 4: money was stretching. And the people that I worked for
11:34
Speaker 4: I absolutely adored. It was like a little family. They
11:38
Speaker 4: didn't know what was happening back home, but they knew
11:41
Speaker 4: that I was going through something, and they were very
11:42
Speaker 4: understanding if I was having bad mental health days and
11:45
Speaker 4: things like that. And the work itself wasn't very steady,
11:48
Speaker 4: but yeah, it was something, and I, honestly he was
11:51
Speaker 4: just happy to be free and to be doing my
11:54
Speaker 4: own thing and to not be under anyone's thumb anymore,
11:56
Speaker 4: and to be figuring out how to do things for myself. Yeah,
12:01
Speaker 4: And so it stuck out for so long. I will
12:03
Speaker 4: say as well, lots of people don't know that most
12:06
Speaker 4: homeless people aren't visibly homeless. It's under ten percent of
12:11
Speaker 4: people are love sleepers.
12:12
Speaker 2: Yeah, it's not people just sleeping on the streets.
12:15
Speaker 4: Yeah exactly. And women are also less likely to reach
12:19
Speaker 4: out for help because of the stigma around it, fears
12:22
Speaker 4: of safety, yeah, and also the hyperindependence that comes with
12:27
Speaker 4: dealing with all of that trauma.
12:28
Speaker 2: We also just don't want other people to see our struggles,
12:31
Speaker 2: so we're more likely to hide it from people, which
12:34
Speaker 2: are so you got pretty good at So, yeah, the
12:37
Speaker 2: people that surrounded you, the people you worked for, did
12:40
Speaker 2: they know you were homeless? What did they think?
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Speaker 4: Because they went around to events, I would travel along
12:46
Speaker 4: with them, and they knew that I wasn't like living
12:50
Speaker 4: anywhere stably. But I don't know. I think that they
12:53
Speaker 4: were just like, okay, like you're capable, you're doing your thing.
12:55
Speaker 4: I don't know, they never really worry too much about it.
12:58
Speaker 4: They're very non judgmental.
13:00
Speaker 2: That And I'm glad you found that because that's exactly
13:02
Speaker 2: what you needed at that point in time. So were
13:04
Speaker 2: you just living out of your car or were you
13:07
Speaker 2: actually camping?
13:08
Speaker 1: Like?
13:08
Speaker 2: Is there any truth to the camping story?
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Speaker 4: My friend, there is there is. So I was looking
13:14
Speaker 4: at my car and I also had a tent, and
13:16
Speaker 4: so I would travel to an event work that and
13:19
Speaker 4: I would camp there like on site because it was
13:22
Speaker 4: like a camping space. And then in between events, I
13:25
Speaker 4: would just go to the nearest forest. I would look
13:28
Speaker 4: up free campsites and then just camp there and do
13:31
Speaker 4: my thing. I had like a guest over had a
13:33
Speaker 4: jug of water as good.
13:35
Speaker 2: Oh my gosh, how were you managing safety? I think
13:38
Speaker 2: that's the first thing that comes into my mind, Like,
13:41
Speaker 2: you know, at the end of the day, like, if
13:43
Speaker 2: you want to camp, go for it. But like, I
13:45
Speaker 2: don't even know that i'd feel comfortable going camping on
13:48
Speaker 2: my own, let alone doing it for two years. How
13:52
Speaker 2: are you looking after yourself making sure that you were okay?
13:55
Speaker 4: So there were times I was with friends that would
13:57
Speaker 4: also work these events and we would camp together, but
14:01
Speaker 4: I also was in the mental state of my home
14:06
Speaker 4: wasn't safe for so long, and so what's the worst
14:09
Speaker 4: that can happen out here? Like the worst can happen
14:11
Speaker 4: at home, So I'm safer by myself out here.
14:16
Speaker 2: That breaks my heart because obviously that's showing my privilege
14:20
Speaker 2: to be like, oh, like I would feel so unsafe,
14:22
Speaker 2: and you're like, Victoria, do you know how unsafe my
14:24
Speaker 2: house was? Like it's better to be alone in a forest,
14:29
Speaker 2: And it just it makes me want to wrap you
14:30
Speaker 2: up and be like, I'm so sorry you had to
14:32
Speaker 2: go through that, But like I can also see how
14:35
Speaker 2: stoic you are. I'm like, oh, she's a cool human,
14:37
Speaker 2: Like she's been through some stuff. She's going to know
14:39
Speaker 2: a million more things than I do about life and
14:42
Speaker 2: how to live.
14:43
Speaker 4: So just different things.
14:45
Speaker 2: Yeah, but like you just I love it. I love
14:48
Speaker 2: meeting people who have diverse experience to me. But tell
14:51
Speaker 2: me now, because you've gone from we're talking about I
14:54
Speaker 2: guess the ages of twenty to twenty two with you
14:56
Speaker 2: at the moment, how did all of that, I guess
14:58
Speaker 2: come to an end? You still working for the food
15:01
Speaker 2: truck company. Like, tell me about life? How did it progress?
15:05
Speaker 4: It progressed through COVID actually, so, as I said, I'd
15:09
Speaker 4: not gotten any support through that time. And then when
15:13
Speaker 4: I was twenty two, COVID hit and I had to
15:16
Speaker 4: think about where I wanted to be for that time,
15:18
Speaker 4: and so I decided to come back to my wind
15:20
Speaker 4: because that's where my main support network was, and for
15:23
Speaker 4: the first time, I access center Link. The funny thing
15:27
Speaker 4: with sendl link is you have to have an address
15:30
Speaker 4: to get something. So I couldn't get it while I
15:31
Speaker 4: was homeless because I didn't have a stable place that
15:34
Speaker 4: I was living.
15:35
Speaker 2: What the heck? That's like the worst kick you while
15:38
Speaker 2: you're down moment. It's like, I actually need scent Link
15:41
Speaker 2: so I can get a house, And they're like, we'll
15:42
Speaker 2: get a house and we'll give you send a link.
15:44
Speaker 4: Yeah, exactly, And so I started renting a place and
15:48
Speaker 4: obviously settlink at that moment got increased so much and
15:51
Speaker 4: it was the most stable income I'd had, and it
15:54
Speaker 4: was the first time in years that I had a
15:57
Speaker 4: house and I felt safe and I felt safe, and
16:01
Speaker 4: I finally had time to be like, Okay, like, what
16:03
Speaker 4: is it that I want to do into the future,
16:05
Speaker 4: you know, in five years time, where do I see
16:07
Speaker 4: myself going? And I knew that the lifestyle that I
16:10
Speaker 4: had then wasn't long term, Like I wasn't going to
16:14
Speaker 4: be able to do that.
16:14
Speaker 2: Yeah, it's not sustainable.
16:16
Speaker 4: Yeah. So I had time to reflect and I realized
16:18
Speaker 4: that I love helping people, and so I decided to
16:21
Speaker 4: study community services yep, And so I started studying that.
16:25
Speaker 4: While I was studying, I was also volunteering in child protection. Again,
16:30
Speaker 4: having so much lived experience, I wanted to help other
16:33
Speaker 4: people that were going through that, and so I was
16:35
Speaker 4: doing a living role that was unpaid, but I lived
16:39
Speaker 4: with two sixteen year old girls that also didn't feel
16:43
Speaker 4: safe living at home.
16:44
Speaker 2: So you're such a special human.
16:46
Speaker 4: Aha, thank you. Yeah. I think just having the experience
16:50
Speaker 4: that I did and knowing what it's like to be
16:53
Speaker 4: in that situation. I want to help others that would
16:55
Speaker 4: be in that situation having been on the other end
16:58
Speaker 4: of it and showing them it was possible. And so
17:02
Speaker 4: while I was volunteering in that, I wasn't paying any
17:04
Speaker 4: rent or bills because it was again a.
17:06
Speaker 2: Volunteer posiition money win.
17:08
Speaker 4: So that helped me save up to pay off my
17:11
Speaker 4: UNI as well as I build a bit more with
17:13
Speaker 4: savings behind me.
17:15
Speaker 2: How long did it take you to do your studies?
17:16
Speaker 4: Sorry, it was only a certificate, so it took a year.
17:19
Speaker 2: Yeah, good work, So.
17:20
Speaker 4: Yeah, I did a year and then yeah, I started
17:23
Speaker 4: working in disability support and realizing that I worked best
17:27
Speaker 4: with people with mental health because that's where I had
17:30
Speaker 4: the most experience. I know here I am.
17:33
Speaker 2: I'm so impressed at the start, I said, are you
17:36
Speaker 2: proud of yourself? Well, obviously after going through all of
17:39
Speaker 2: that and now you've lived your life around, you're working
17:43
Speaker 2: in a space that you love. Where's the house come in?
17:47
Speaker 2: How did you buy your own unit? So you were
17:49
Speaker 2: saving up. I'm going to need some more information on that,
17:52
Speaker 2: because the idea that you can go from homeless at
17:55
Speaker 2: twenty two to buying your first unit at twenty five
18:00
Speaker 2: is wild because it takes some people ten plus years
18:02
Speaker 2: to save a deposit.
18:04
Speaker 4: It actually only took me a year to save.
18:07
Speaker 2: It's because you're a genius. Yeah, okay, so sorry, But
18:12
Speaker 2: like I'll get into like that when we talk about debt,
18:15
Speaker 2: But was that something you ever first saw in your future? Like, oh, yep,
18:17
Speaker 2: do you know what, in a couple of years, I'm
18:19
Speaker 2: just going to own my own house.
18:21
Speaker 4: I never saw myself owning my own house. I actually
18:23
Speaker 4: wanted to buy land and not my house. But to
18:27
Speaker 4: be able to buy land, I needed to first buy
18:30
Speaker 4: a house. Yeah, to get out of the rent cycle. Yeah,
18:33
Speaker 4: I didn't think that it would happen as quickly, but
18:36
Speaker 4: I also didn't think that it wasn't not possible as well.
18:39
Speaker 4: I try not to give myself limiting beliefs.
18:41
Speaker 2: I can see that, and I really like that. So
18:44
Speaker 2: tell me a bit more about this not having limiting beliefs,
18:48
Speaker 2: because one that's really special. It's something that we are
18:50
Speaker 2: always like jumping up and down about. Its cheese on
18:52
Speaker 2: the money, but so many people have How have you
18:56
Speaker 2: gone through such adversity and still have this no no, No.
18:59
Speaker 2: If I want something to happen, like I'm young, I
19:02
Speaker 2: have the ability, I'm going to get it done. Like,
19:05
Speaker 2: can you please share your wisdom?
19:07
Speaker 4: Yeah? I think my stepmom was a big inspiration for that,
19:12
Speaker 4: because when we were growing up, it was never like, oh,
19:15
Speaker 4: we can't afford that. It was always Okay, let's figure
19:17
Speaker 4: out how we can make that work. And if you
19:20
Speaker 4: want that, you're going to have to sacrifice something else,
19:22
Speaker 4: so weigh up your options, and she really dug that
19:24
Speaker 4: into us. So I think having that and then also
19:29
Speaker 4: running away and seeing how I could live independently with
19:32
Speaker 4: so little for two years really showed me what I
19:36
Speaker 4: am capable of because I never thought that I'd be
19:38
Speaker 4: able to do that when I was younger.
19:39
Speaker 2: I'm obsessed.
19:40
Speaker 4: Yeah, and I was just like, you know what, I
19:42
Speaker 4: can do anything?
19:43
Speaker 2: Actually, you absolutely can, and I adore it all right,
19:47
Speaker 2: So tell me now, what is your job description and
19:50
Speaker 2: how much money do you earn?
19:51
Speaker 4: So I work for myself, so I guess the self
19:55
Speaker 4: appointed title is independent mental health support worker. And then
20:00
Speaker 4: the hours fluctuate a lot, again working for myself, but
20:04
Speaker 4: last year I made just over one hundred k before deductions.
20:09
Speaker 2: No, you didn't. Yeah, oh my gosh, what a queen.
20:13
Speaker 4: Yeah, I think being so good at my job, a
20:16
Speaker 4: lot of my clients want to work more and more
20:19
Speaker 4: with me, so it just kind of snowballed. It was
20:21
Speaker 4: like I had one client and then they referred me
20:23
Speaker 4: on to someone else, and then they all wanted me
20:25
Speaker 4: to work as much as I could for them.
20:27
Speaker 2: Things happen to good people.
20:28
Speaker 3: My love.
20:29
Speaker 4: It's also a job that I love so much, so
20:31
Speaker 4: it's quite easy for me to work a lot because
20:33
Speaker 4: it's really just me going over and helping people. And
20:37
Speaker 4: then this year I'm on track to make one hundred
20:40
Speaker 4: and fifty k after deduction.
20:42
Speaker 2: What Yeah, did you ever think that this was going
20:46
Speaker 2: to be a thing. Like from having a little guest
20:49
Speaker 2: stove finding free camping spots to being like, oh well,
20:53
Speaker 2: actually this year I'm earning one hundred and fifty grand. Like,
20:55
Speaker 2: do you know how proud passed you is of like
20:58
Speaker 2: current you?
20:59
Speaker 4: She's like screaming, Yeah, I'm very big on journaling. Quite often,
21:02
Speaker 4: I'm like, damn, younger me would be bamboozled by what
21:06
Speaker 4: is happening right now.
21:07
Speaker 2: You're like the older sibling that younger you needed, And
21:11
Speaker 2: I love that. I love it so much. So you've
21:15
Speaker 2: bought your first unit. What are your current big money goals?
21:18
Speaker 2: What are you working towards right now?
21:20
Speaker 4: I think it comes in steps. So, as I said,
21:22
Speaker 4: I want to eventually buy land and kind of live
21:25
Speaker 4: off the grid with that and be a bit more
21:27
Speaker 4: financially independent, meaning that I won't have to work as
21:30
Speaker 4: much as I am right now. I won't have to
21:31
Speaker 4: be earning one hundred k a year to be able
21:34
Speaker 4: to support that lifestyle. So to get there, my big
21:37
Speaker 4: money gold moment is renovate my house, which I'm in
21:40
Speaker 4: the middle of doing.
21:41
Speaker 2: Oh exciting.
21:43
Speaker 4: I've got a lot of family members that are good
21:45
Speaker 4: with ideas for renovations, so yes, that's under way, as
21:49
Speaker 4: well as then knocking down a bit of my mortgage.
21:52
Speaker 2: I love that so much. All right, let's go to
21:54
Speaker 2: a really quick break because I have one million and
21:57
Speaker 2: one questions for you that I sadly I'm not going
21:59
Speaker 2: to all in this episode. Let's go to a really
22:02
Speaker 2: quick break and on the flip side, we can have
22:04
Speaker 2: a chat about investment and the debt that you've taken
22:06
Speaker 2: on for this property and your good and bad money habits.
22:09
Speaker 2: So guys, don't go anywhere money, Diarist. We are back,
22:16
Speaker 2: and I am so insanely proud of you, like it
22:18
Speaker 2: makes me so happy to know that you are thriving.
22:22
Speaker 2: Can I ask you now? Do you invest? If so,
22:25
Speaker 2: what are you investing in? If not, do you have
22:27
Speaker 2: a plan to invest?
22:28
Speaker 4: I do have quite a few investments.
22:30
Speaker 2: Why am I not surprised?
22:34
Speaker 4: I feel like the first two you're not gonna love.
22:36
Speaker 2: That's okay, there's no judgment in this house.
22:39
Speaker 4: So the first one is my super?
22:41
Speaker 2: What do you mean I'm not gonna love?
22:43
Speaker 4: Just give me a second. I feel like you're not
22:44
Speaker 4: gonna love it. So keep in mind that I did
22:46
Speaker 4: work hash in hand yeap a lot, and then I
22:49
Speaker 4: was studying and then working for myself. My supers only
22:53
Speaker 4: at fifteen hundred dollars.
22:54
Speaker 2: That's a right.
22:55
Speaker 4: I looked into it, and my dad never paid my
22:57
Speaker 4: super while I was working with that.
22:58
Speaker 2: Why are we not surprised? How did that?
23:00
Speaker 4: Yeah? I'm not surprised whatsoever. But I have plans this year.
23:04
Speaker 4: After I saved up for the deposit and got the house,
23:08
Speaker 4: I am now putting away a portion of my income
23:11
Speaker 4: to pay myself super. I'm hoping to pay about fifteen
23:14
Speaker 4: grand this year into Super, just to really boost it up.
23:17
Speaker 2: When you say I'm not going to like that, I
23:19
Speaker 2: could not care less. You just showed me in that
23:22
Speaker 2: thirty seconds that you know more about your superannuation than
23:24
Speaker 2: fifty percent of the Australians on this earth. Right, so
23:28
Speaker 2: many people could not tell me how much they have
23:30
Speaker 2: in super when they were last paid Super, if they've
23:33
Speaker 2: ever missed anything out, Like being on top of it
23:35
Speaker 2: is so much more important right now than having heaps
23:38
Speaker 2: of money in there, And like for every experience you've
23:42
Speaker 2: been through, like makes sense that you don't have Super
23:44
Speaker 2: their huh, and you're still a baby, Like, let's be honest,
23:47
Speaker 2: you are so young, you have so much time, and
23:51
Speaker 2: you just told me earlier that you're on track to
23:53
Speaker 2: make one hundred and fifty grand. You clearly have your
23:56
Speaker 2: head screwed on. I don't think that that's going to
23:58
Speaker 2: impact your retirement at all. Like, and you know it right,
24:02
Speaker 2: like you already know you're like via, I've got a
24:03
Speaker 2: plan and that's what I want to hear. So do
24:06
Speaker 2: I like it?
24:06
Speaker 1: No?
24:07
Speaker 2: I love it.
24:08
Speaker 4: I think I just didn't love how small it was
24:10
Speaker 4: because I know how much I've worked.
24:11
Speaker 2: It's frustrating, isn't it. Yeah, I will get that exactly.
24:15
Speaker 2: So tell me about more stuff that you think I'm
24:17
Speaker 2: not gonna like.
24:18
Speaker 4: The next one is I have eight thousand dollars in crypto?
24:21
Speaker 2: Oh yes, okay, tell me how did this happen? I
24:25
Speaker 2: was dating a boy Oh it always starts that way.
24:27
Speaker 4: Who convinced me it was a good idea?
24:30
Speaker 2: Honestly, if you took me back to being twenty two
24:32
Speaker 2: to twenty three, my ex boyfriend made a lot of
24:36
Speaker 2: money in crypto. So when people like, did you know
24:38
Speaker 2: heaps of people make money, I'm like, yeah, and I
24:40
Speaker 2: broke up with someone who did, which was like, obviously
24:42
Speaker 2: bad financial decision, but great life decision. But you look
24:46
Speaker 2: at it and go, oh, no, people can make money
24:48
Speaker 2: in it, and I mean, if you've got a boyfriend,
24:49
Speaker 2: that's like leading you down a garden path. Sorry, but
24:52
Speaker 2: I would have done it too, like, no judgment.
24:54
Speaker 4: So I made money and then lost a lot of money.
24:57
Speaker 4: So even though I have eight thousand in it at
24:59
Speaker 4: the moment, I've actually lost compared to what I put
25:02
Speaker 4: into it.
25:02
Speaker 2: No, so what's your plan with it? Are you're just
25:05
Speaker 2: going to sit on it for a while.
25:07
Speaker 4: Yeah, I moved it all into bitcoin because that is
25:10
Speaker 4: a lot more stable than all the other random ones.
25:12
Speaker 4: Eyes in and I'm just letting it sit there and
25:14
Speaker 4: do its thing. Eventually I'll take it out. I do
25:17
Speaker 4: want to move it into other things, but I don't know.
25:19
Speaker 2: So you's got a plan. I love this again, no judgment,
25:23
Speaker 2: who cares. I just love that you know where all
25:25
Speaker 2: your money is at, and that is power and that's
25:28
Speaker 2: what we are going for. So what's this one that
25:30
Speaker 2: you were saying that you think I will like?
25:32
Speaker 4: So, I've got all up I think three thousand dollars
25:36
Speaker 4: roughly in others jazz and ETSS through different platforms.
25:39
Speaker 2: So like, we could reframe this and be like, actually
25:42
Speaker 2: I have double the amount invested outside Super, then I
25:45
Speaker 2: do inside Super, and then we could leave it at that.
25:48
Speaker 2: Isn't that cool?
25:49
Speaker 4: It is? Yeah? I like that reframing.
25:52
Speaker 2: Yeah, well you obviously work in the space too. Reframing
25:55
Speaker 2: is incredibly important. But it's one of those things where
25:58
Speaker 2: I just go it sounds like your low key still
26:01
Speaker 2: being a little bit harsh on yourself. You're like, oh
26:02
Speaker 2: it's not that good, and I'm like, I'm sorry you
26:05
Speaker 2: own your own unit. You are twenty five. You have
26:08
Speaker 2: absolutely slaid life. Your mindset is so clear, you know
26:12
Speaker 2: your goals, like, there is not one thing wrong with
26:15
Speaker 2: this story right now for me, tell me a bit
26:18
Speaker 2: more about the debts. So you recently purchased your first unit,
26:21
Speaker 2: which is so exciting. How much did it cost you?
26:24
Speaker 2: How much debt have you taken on from that? And
26:26
Speaker 2: also do you have any other debts?
26:28
Speaker 4: The house is my only debt. I paid off my
26:30
Speaker 4: car and UNI up front, never had credit cards or anything.
26:34
Speaker 2: Wheel is she, Oh, just paid for my car and
26:36
Speaker 2: I UNI up front, No, biggie.
26:37
Speaker 4: Yeah, Well, I'm very good at choosing the cheap option, thankfully,
26:40
Speaker 4: and again not going outside of my means. So really
26:43
Speaker 4: looked at what I could afford. And yeah, but with
26:46
Speaker 4: the house. So it was three ninety and I've got
26:51
Speaker 4: three forty zeroing on it, which is at six point
26:53
Speaker 4: four percent. I do consider the house to be an
26:56
Speaker 4: investment as well. I know that typically you don't think
27:00
Speaker 4: of houses as investments if you live in it, but
27:03
Speaker 4: I'm renovating it into a three bedroom. Obviously I only
27:07
Speaker 4: take up one room. My friend is renting from me.
27:10
Speaker 4: She pays six hundred dollars a month, which I put
27:13
Speaker 4: back into renovating it, and in the future I do
27:15
Speaker 4: want to rent it out as a three bedroom house
27:18
Speaker 4: or unit. So yeah, I do see it as a
27:21
Speaker 4: debt and an investment at the same time.
27:23
Speaker 2: But also it's technically not your family home. So we
27:25
Speaker 2: always say your family home is not an investment, not
27:28
Speaker 2: any property you live in, because right now you're living
27:30
Speaker 2: in it to put it in a better position to
27:32
Speaker 2: rent it out. And what you just told me is
27:35
Speaker 2: house cost me three ninety it's currently got three forty
27:37
Speaker 2: on a mortgage. Yeah, the mortgage is pretty high at
27:39
Speaker 2: the moment, but like that is life, unfortunately. But you've
27:42
Speaker 2: got forty grand inequity sligh Yeah money ween, yeah, money ween.
27:47
Speaker 2: Like that's so good. And obviously you've got some positive
27:50
Speaker 2: cash flow coming in that's helping you with the mortgage
27:52
Speaker 2: and helping you renovate it. And a renovated place is
27:55
Speaker 2: probably going to lease for more than a two bedroom place.
27:57
Speaker 4: Right after looking at other houses in the area that
28:01
Speaker 4: are the same size, it's expected to be at least
28:03
Speaker 4: like fifty kre once it's do.
28:05
Speaker 2: That is very good your rental yield. I cannot do
28:07
Speaker 2: rental yield for the life of me off the top
28:08
Speaker 2: of my head, but if I could, I know that's good. Yeah,
28:11
Speaker 2: that is adore. Oh my gosh. I feel like we
28:14
Speaker 2: all have so much to learn from you. So tell
28:16
Speaker 2: me what is your best money habit. You can give
28:18
Speaker 2: us more than one, like I want all of them.
28:22
Speaker 4: I think the number one is definitely allowing myself to
28:26
Speaker 4: believe that I don't have to spend money to have fun.
28:29
Speaker 4: The more money that I started making, I would just
28:32
Speaker 4: say that because I'm so happy with the lifestyle that
28:34
Speaker 4: I was living already that I didn't feel like I
28:36
Speaker 4: needed to add money to it to continue enjoying it.
28:40
Speaker 4: So I still love camping. I will still go out
28:43
Speaker 4: for a weekend and do that. Instead of you know,
28:45
Speaker 4: spending lots of money on fancy dinners and things like that,
28:48
Speaker 4: I buy secondhand everything, So rather than.
28:52
Speaker 2: Going to like the shops and stuff.
28:55
Speaker 4: Yeah, I'll just go to O shops and still go
28:57
Speaker 4: on shopping sprees definitely and buy things that I don't need.
29:00
Speaker 4: But it cost three dollars instead of thirty.
29:02
Speaker 2: But that is okay. It is much cheaper and also
29:05
Speaker 2: there's low key something so gratifying about finding it cheap
29:09
Speaker 2: in an op shop and you're like, I love this
29:11
Speaker 2: and it was cheap money win. I feel like, yeah. Automatically,
29:14
Speaker 2: if I've bought something secondhand and someone compliments it, I'm like, yeah, okay,
29:17
Speaker 2: well I got it on Facebook Marketplace. Like there was
29:20
Speaker 2: this dining table that I was obsessed with getting and
29:23
Speaker 2: then I realized how much it was and I just
29:25
Speaker 2: said to my husband, it's not gonna happen. Like I
29:27
Speaker 2: picked up something basically identical on Facebook Marketplace, and now
29:31
Speaker 2: whenever someone says, oh, your dining table's nice, I like
29:33
Speaker 2: give them a lecture on how good Facebook Marketplace is.
29:36
Speaker 2: And they're just so sick of my stuff and I
29:37
Speaker 2: don't even care. I'm like, this is so good. We
29:40
Speaker 2: are not compromising, guys. Just buy it secondhand.
29:44
Speaker 4: Yeah. Oh, even if you find something secondhand that isn't
29:47
Speaker 4: quite what you want, figure out how to DII to
29:49
Speaker 4: make it what you want, so painted or add things,
29:53
Speaker 4: get rid of things. Yeah. I don't think I've bought
29:55
Speaker 4: new anything for the house.
30:00
Speaker 2: At all. I love that I'm obsessed. How good. I
30:03
Speaker 2: don't think you're going to have any But do you
30:05
Speaker 2: have any bad money habits?
30:07
Speaker 4: I do. So while I tell myself that I don't
30:10
Speaker 4: need to spend money to have fun, I've learned that
30:13
Speaker 4: I need to hide my money from myself to stop
30:15
Speaker 4: spur at the.
30:15
Speaker 2: Moment spending okay, same.
30:18
Speaker 4: Yeah, because I love saying yes to experiences as so
30:22
Speaker 4: friends are like, oh, let's go to this festival, let's
30:24
Speaker 4: this thing. I'm very good at being like okay, sure.
30:26
Speaker 4: Or I will book a holiday without thinking about how
30:29
Speaker 4: much it will actually cost. So I need to tell
30:32
Speaker 4: myself that I have less money than I do, so
30:34
Speaker 4: I put it in accounts that I can't see. But
30:37
Speaker 4: if it's not in that account, I will spend it.
30:39
Speaker 2: Just be a little bit tap happy. You're like, oh,
30:42
Speaker 2: we can head back down to the op shop again today.
30:44
Speaker 2: We're going to have a really great Saturday. Like I'm
30:46
Speaker 2: not spending much. But then you realize you've gone to
30:48
Speaker 2: the op shop like three times in a week, and
30:50
Speaker 2: you're like maybe not.
30:52
Speaker 4: Yeah, And also I don't actually wear any of those clothes.
30:55
Speaker 2: Oh yeah, See that's not that helpful. But circular economy,
30:58
Speaker 2: you can redonate it.
31:00
Speaker 4: Yeah. I see it as renting from the op shop
31:02
Speaker 4: because I buy it from that and it's going to
31:04
Speaker 4: eventually go back there.
31:06
Speaker 2: Oh, I like this, see a circular economy.
31:09
Speaker 4: Yeah, And then I would say another bad habit that
31:12
Speaker 4: I have is being a little bit careless with my
31:15
Speaker 4: money in terms of lending it to people. I've learned
31:18
Speaker 4: a few too many times that lending money to friends
31:20
Speaker 4: does not work out, and then having to chase things
31:24
Speaker 4: up and it's fun.
31:26
Speaker 2: I have a life motto, and I'm very grateful and
31:29
Speaker 2: as I'm sure you are as well to be in
31:30
Speaker 2: a physician where I can lend out money if I
31:34
Speaker 2: need to, But like, if someone ever needs to lend
31:37
Speaker 2: money from me, I'm very much in the mindset of
31:41
Speaker 2: it's a gift. I don't expect it back. If it
31:43
Speaker 2: comes back, that's fantastic, But I don't really want to
31:46
Speaker 2: ruin a friendship over like chasing it up. And if
31:49
Speaker 2: it's too much money that I would have to chase
31:51
Speaker 2: it up, I'm like, oh, I probably shouldn't be lending
31:53
Speaker 2: it out to begin with. It's a hard mindset shift,
31:57
Speaker 2: but I had to implement it in my life and
31:59
Speaker 2: it just made it a lot easier. But I do
32:02
Speaker 2: think it is a very kind and very generous personality
32:07
Speaker 2: trait to have and it's not something that I want
32:09
Speaker 2: to lose, if that makes sense. I'm kind of like,
32:11
Speaker 2: I kind of like being that person that people trust
32:14
Speaker 2: to tell me about, you know, the fact that they're
32:16
Speaker 2: vulnerable or you know, not in the best position, or
32:18
Speaker 2: need something that they're not comfy asking somebody else about.
32:21
Speaker 2: And I'm sure that you're in that position too, where
32:23
Speaker 2: you're just like, I don't really want to change that.
32:25
Speaker 2: I would, you know, obviously love the money to stay
32:27
Speaker 2: in my account, and this is just a hassle. But
32:29
Speaker 2: I think it's a reflection of the kind human being
32:32
Speaker 2: that you are, and let's not change that.
32:34
Speaker 4: Yeah, I am glad that I still have that, and
32:36
Speaker 4: I'm glad that people do feel comfortable opening up to
32:39
Speaker 4: me about it, and I'm glad that I'm in a
32:40
Speaker 4: position to be able to help people. There's definitely been
32:43
Speaker 4: times where I've been in positions where other people have
32:45
Speaker 4: helped me. But I think I just need to reflect.
32:49
Speaker 2: More on that, be a little bit more restrictive.
32:52
Speaker 4: Yeah, I think sometimes if you lend people that money
32:57
Speaker 4: a lot, it.
32:58
Speaker 2: Can create a NUS cycle.
33:01
Speaker 4: Yeah, Like it's not teaching them to have good money habits.
33:04
Speaker 4: I think because I've had some people in my life
33:06
Speaker 4: that they have felt too comfortable, I think, asking for
33:10
Speaker 4: money knowing that I will say yes.
33:12
Speaker 2: Oh, And it gives me the ick when that happens,
33:14
Speaker 2: because I'm like, now I feel like this relationship is
33:17
Speaker 2: being taken advantage of and I just wanted to enjoy
33:19
Speaker 2: your company and now it doesn't feel that way. And
33:22
Speaker 2: they text you and You're just like, I bet they're
33:23
Speaker 2: asking for a hundred bucks.
33:26
Speaker 4: Yeah, But also like I feel like I'm not helping
33:28
Speaker 4: them foster a good relationship with money because maybe they
33:32
Speaker 4: do need to learn. Okay, no, I do only have
33:34
Speaker 4: one hundred dollars left? How am I going to make
33:36
Speaker 4: that work?
33:36
Speaker 2: But also, as you should know in the space that
33:39
Speaker 2: you're in, other people's decisions are not your responsibility. You
33:43
Speaker 2: can guide them, but it is not your job to
33:45
Speaker 2: teach them. Yeah, I think it's kind, but oh, I
33:49
Speaker 2: have adored this money direst At the start of the show,
33:53
Speaker 2: you said, I reckon, I'm a B plus I'm definitely
33:56
Speaker 2: moving towards an A. Why did you say that you
33:59
Speaker 2: were moving towards an A and what does that look like?
34:01
Speaker 2: And when do you think you're going to achieve that.
34:03
Speaker 4: So I do still think that I'm moving towards an A,
34:06
Speaker 4: and I think to get there, I want to be
34:09
Speaker 4: a bit more responsible. Now that I have a mortgage.
34:12
Speaker 4: I want to look into getting income protection because I
34:14
Speaker 4: do work for myself. If something happens and I can't
34:17
Speaker 4: work for a month or so, I want to make
34:19
Speaker 4: sure that my bills are looked after, and then also
34:22
Speaker 4: reinvesting that crypto into something else. I think that's what
34:26
Speaker 4: it would take for me to get to an A.
34:27
Speaker 4: It's just be a bit more on top of my responsibilities.
34:30
Speaker 2: My favorite part about that is that's so easy, and
34:32
Speaker 2: you're quite clearly already thinking about it, and you're already
34:35
Speaker 2: on track. Sometimes we talk to people and they're like, oh, well,
34:37
Speaker 2: i'd have to completely change this and this, and you
34:40
Speaker 2: know it actually have to start doing a budget and
34:43
Speaker 2: saving and you know all of those things are perfect
34:46
Speaker 2: for where they're at. But you go, yep, you're right,
34:48
Speaker 2: that's a lot of work. But you can absolutely do it.
34:50
Speaker 2: I believe that you can. Whereas you've just got like
34:52
Speaker 2: a few small like tickbox items like I can set
34:55
Speaker 2: you up with Skywealth tomorrow to organize your income protection
34:58
Speaker 2: and you know when it comes to just being better
35:00
Speaker 2: with like paying off your mortgage. That's just a small plan,
35:02
Speaker 2: a few tweaks, especially where you're sitting right now, So
35:05
Speaker 2: that's so exciting.
35:07
Speaker 4: Yeah, it's just a few small things, and then I
35:09
Speaker 4: feel like I'm that We're.
35:10
Speaker 2: Just going I adore it. So what's next, money Diarist,
35:14
Speaker 2: What does the future look like? You're going to move
35:16
Speaker 2: out to a big block of land and kind of
35:19
Speaker 2: live off the grid or like, where do you see
35:21
Speaker 2: yourself in the next ten, twenty, even thirty years.
35:24
Speaker 4: Yeah, I want to buy a big block of land
35:26
Speaker 4: that multiple people can come and live on, so friends
35:29
Speaker 4: and family and just kind of live a lot more simply,
35:33
Speaker 4: I guess live away from the city. I grew up
35:36
Speaker 4: in the city and I like it here, but I
35:38
Speaker 4: would like a simpler lifestyle. But I do so want
35:42
Speaker 4: to work within the sector. I do really love caring
35:45
Speaker 4: for my community.
35:46
Speaker 2: You're such a wholesome human being and it makes my
35:48
Speaker 2: heart so happy to know that not only are in
35:50
Speaker 2: the community, but like you've shared your story with our
35:53
Speaker 2: community and they get to learn from you, and they're
35:55
Speaker 2: probably listening to this being like fire out that money
35:58
Speaker 2: direst is so kind and so generous, an so so inspirational,
36:01
Speaker 2: like literally having gone from being twenty and homeless, Like
36:06
Speaker 2: the courage and the tenacity it would take to pack
36:09
Speaker 2: up your car and literally lie to your friends and
36:12
Speaker 2: family to be like, oh, I'm just going on a
36:14
Speaker 2: camping trip, but you had like this grand plan in
36:17
Speaker 2: the background to be like I'm never going back there, Catcher, Like,
36:20
Speaker 2: I'm just I'm in awe of your ability to facilitate that,
36:24
Speaker 2: because I think a lot of people in circumstances like yours,
36:27
Speaker 2: or circumstances that were like yours, often don't find that
36:33
Speaker 2: motivation to leave or you know, put themselves first. Like
36:37
Speaker 2: so many times, especially as women, we just don't advocate
36:40
Speaker 2: for ourselves. Winger, Well, that's how it is, Like, you know,
36:42
Speaker 2: I need to stay around for X, Y or Z,
36:44
Speaker 2: or if I leave, I don't have any backup, and
36:47
Speaker 2: like obviously having a father who is manipulative, especially financially,
36:51
Speaker 2: that would make it so much harder. But like I
36:54
Speaker 2: look at it and go, holy heck, this woman is
36:56
Speaker 2: a powerhouse and we have learnt so much in just
36:59
Speaker 2: this short But thank you for all that you do
37:02
Speaker 2: and for the advocating you do for other women and
37:04
Speaker 2: the work you do in mental health, like it is
37:07
Speaker 2: so special and so necessary, and I'm just I'm just
37:09
Speaker 2: really grateful to have met you. So thank you. When
37:12
Speaker 2: you have that big block of land, can I please
37:13
Speaker 2: come camp?
37:15
Speaker 1: You can?
37:15
Speaker 4: Yeah, there might even be a little hut somewhere for you.
37:18
Speaker 2: Yes, how cute? I love it. Well, Money Diarist, thank
37:22
Speaker 2: you so much. I'm so grateful and also just so
37:25
Speaker 2: proud to share you with our community. I know that
37:27
Speaker 2: they're going to love you as much as I have.
37:29
Speaker 3: Yeah.
37:30
Speaker 4: No, thank you for the opportunity to come speak with
37:32
Speaker 4: you guys, and again, thank you for building such a
37:34
Speaker 4: loving and supportive community where everyone's just uplifting each other
37:37
Speaker 4: all the time.
37:38
Speaker 2: That's the plan, my love, Keep on keeping on.
37:47
Speaker 3: The advice shared on She's on the Money is general
37:50
Speaker 3: in nature and does not consider your individual circumstances. She's
37:54
Speaker 3: on the Money exists purely for educational purposes and should
37:57
Speaker 3: not be relied upon to make an investment.
37:59
Speaker 2: All fineinancial decision.
38:01
Speaker 3: If you do choose to buy a financial product, read
38:03
Speaker 3: the PDS TMD and obtain appropriate financial advice tailored towards
38:07
Speaker 3: your needs.
38:08
Speaker 2: Victoria Divine and she's on the money.
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Speaker 3: Are authorized representatives of money sherper p t y lt
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