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The Rich In Life Formula To Travel Smarter · Two Broke Chicks

• 0:00
  Speaker 1: This podcast is recorded on Gadigal land. Always was, always
• 0:03
  Speaker 1: will be Aboriginal land.
• 0:05
  Speaker 2: This episode of Two Broke Chicks is brought to you
• 0:07
  Speaker 2: by Velocity Frequent Flyer.
• 0:09
  Speaker 1: Whether you're doing Euro summer with the gals, grabbing a.
• 0:11
  Speaker 3: DD home from Friday drinks, or picking up your morning coffee,
• 0:15
  Speaker 3: you can earn Velocity points on eligible everyday purchases that
• 0:18
  Speaker 3: could help you get to your next holiday.
• 0:28
  Speaker 1: Hey chicks, I'm Sal. And I'm Al.
• 0:30
  Speaker 2: And this is Two Broke Chicks, the show that shares
• 0:31
  Speaker 2: life lessons and tips to help make you rich in life.
• 0:36
  Speaker 2: And welcome to a very special bonus episode. Today we
• 0:40
  Speaker 2: are talking the rich in life formula to travel.
• 0:43
  Speaker 3: Yeah, all of our best travel hacks. We've been to,
• 0:46
  Speaker 3: what countries have we been to together? So many.
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  Speaker 1: We've been all through Europe, Hawaii, Bali, New York. Like
• 0:55
  Speaker 1: we've been on a lot of trips.
• 0:57
  Speaker 3: Of trips together, which very grateful for. But I feel
• 1:00
  Speaker 3: like we have collated a lot of tips, hacks, hindsight
• 1:07
  Speaker 3: life lessons that we made the mistakes so you don't
• 1:10
  Speaker 3: have to.
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  Speaker 1: Exactly.
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  Speaker 2: And also like some fresh ones that we've never spoken
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  Speaker 2: about on the show before.
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  Speaker 3: Yeah. So we've got like a bit, some that are
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  Speaker 3: a bit of a reminder and some that.
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  Speaker 1: Are some fresh takes, if you will.
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  Speaker 3: Okay.
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  Speaker 1: Shall we dive in? Yeah, kick us off. The first step.
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  Speaker 3: In the Rich in Life formula to travel is know
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  Speaker 3: the best time to bork.
• 1:30
  Speaker 1: I loved the way you just.
• 1:33
  Speaker 3: Bork. You're flying. Bork.
• 1:35
  Speaker 1: Know the best time to bork. To bork. To bork. overall,
• 1:39
  Speaker 1: when do I book?
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  Speaker 3: Because I do think that's like a question that we
• 1:43
  Speaker 3: actually get a lot because, you know, there's lots of
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  Speaker 3: chats online about when is.
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  Speaker 1: The right time to book your flights.
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  Speaker 3: Yeah, and it's like when the third star is brightest
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  Speaker 3: under the red moon, you shall book plane tickets. And
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  Speaker 3: it's like can someone just give me– a straightforward answer.
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  Speaker 1: Yeah.
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  Speaker 2: And the tough thing is, is that in today's day
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  Speaker 2: and age, I think that straightforward answer is muddy. It's
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  Speaker 2: a little less straightforward than maybe it used to be.
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  Speaker 2: There's a misconception that Tuesdays are the best days to
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  Speaker 2: book flights, but apparently that's no longer the case. According
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  Speaker 2: to Hopper, the reality is that prices change so often
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  Speaker 2: and it really does depend on the route and that
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  Speaker 2: there isn't really one best day to book flights anymore
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  Speaker 2: that guarantees that you're going to get the best price.
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  Speaker 2: So unless there's a flight sale such as like Travel
• 2:32
  Speaker 2: Tuesday in November, it's actually more about the timing of
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  Speaker 2: the actual booking.
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  Speaker 3: It's when you book it ahead of the holiday, not
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  Speaker 3: what day. Because if you're going on a trip next
• 2:45
  Speaker 3: week and you're going, but I'll book it on the Tuesday,
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  Speaker 3: that flight is going to be significantly more expensive than
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  Speaker 3: when you do it in this like golden time frame.
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  Speaker 1: Yeah, yeah, exactly.
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  Speaker 3: So it's actually more about the timing of your booking
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  Speaker 3: rather than the actual day that you book it. According
• 3:01
  Speaker 3: to Flight Centre, it's recommended to book domestic flights six
• 3:04
  Speaker 3: to eight weeks out and international flights three to four
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  Speaker 3: months out to get competitive prices, which I think is
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  Speaker 3: interesting because sometimes you hear like, no, I should book
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  Speaker 3: like way, way in advance or I should book like
• 3:16
  Speaker 3: the day before and I'll get cheap seats. Yes, and
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  Speaker 3: then I've also been told six months. As well. So
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  Speaker 3: I think for international, I would do that like.
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  Speaker 1: Four to six months mark.
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  Speaker 3: Yeah.
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  Speaker 1: And then yes, for domestic six to eight.
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  Speaker 2: And then flight center, they've also said that booking a
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  Speaker 2: full 12 months ahead can actually be more expensive.
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  Speaker 1: Because essentially these airlines want to fill seats. Yeah.
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  Speaker 3: So they're not stressed about filling seats 12 months in advance.
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  Speaker 3: They've got a lot of time. Whereas once we hit
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  Speaker 3: the six-month mark, then it's like, okay, like is this
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  Speaker 3: plane going to be full? So that's when you'll kind
• 3:55
  Speaker 3: of see they're like, all right, we need to fill
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  Speaker 3: the plane up now. Yeah. And once that plane's full,
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  Speaker 3: once there's maybe like 10% of seats left, boom, up
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  Speaker 3: goes the pricing.
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  Speaker 1: Yeah, yeah. So definitely I think being a little.
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  Speaker 3: Bit more type A with your planning of your flights
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  Speaker 3: and also on that app Hopper, it will show you
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  Speaker 3: with like color coding what days are more expensive. So
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  Speaker 3: obviously landing or flying out on a Thursday, Friday, Saturday
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  Speaker 3: and Sunday are more expensive.
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  Speaker 1: And then Monday, Tuesday, Wednesday are a little bit more affordable.
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  Speaker 3: Yeah.
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  Speaker 2: And also you can look at like if you want
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  Speaker 2: to use points or something as well and kind of
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  Speaker 2: weigh that up. Just gives you a little bit more
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  Speaker 2: time when you give yourself a little bit more room.
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  Speaker 3: Yeah. But I think my biggest life lesson when booking
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  Speaker 3: flights also comes in with like the convenience tax.
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  Speaker 1: Of, like, you also need to weigh up.
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  Speaker 3: Where flights get really, really expensive is when you need
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  Speaker 3: to change them.
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  Speaker 2: Yeah.
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  Speaker 3: So, like, knowing yourself, knowing what your schedule is, and
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  Speaker 3: not booking something that, like, future you will not want
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  Speaker 3: to do.
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  Speaker 1: Yeah. If you don't want to.
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  Speaker 3: Wake up at, like, 4 a.m. to get on a flight, like,
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  Speaker 3: tomorrow … You in six months also isn't going to
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  Speaker 3: want to do that. Yeah.
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  Speaker 1: So like weigh up how much saving or spending the
• 5:17
  Speaker 1: extra $ 100 is going to be because to change it
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  Speaker 1: close to the date is like $ 500. Yeah.
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  Speaker 3: For example, our recent trip, I also knew myself and
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  Speaker 3: I put two bags on the whole trip because I
• 5:30
  Speaker 3: was like, I know I'm an overpacker and every time
• 5:33
  Speaker 3: I'm at the airport, I have to pay hundreds to
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  Speaker 3: like get my suitcase on the plane rather than paying
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  Speaker 3: $ 20 to to have an extra suitcase, I've saved so
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  Speaker 3: much money.
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  Speaker 1: Yeah. So know thyself. Yeah, honestly. Is part of my
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  Speaker 1: travel hack as well. Yeah, a bit of reflection is key. Yeah,
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  Speaker 1: some self-awareness.
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  Speaker 3: Yeah. But the other thing is a lot of people
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  Speaker 3: use an incognito browser to find cheaper flights, but this
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  Speaker 3: doesn't always save you money, which I.
• 6:00
  Speaker 1: news to me. So according to.
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  Speaker 3: Consumer Reports 372 search study, they found identical prices 88%
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  Speaker 3: of the time when using incognito versus your regular browser. Instead,
• 6:14
  Speaker 3: try to be like a little bit more flexible with
• 6:16
  Speaker 3: your travel plans rather than focusing on like the exact
• 6:19
  Speaker 3: right time to book. The more you do look at
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  Speaker 3: a website though, like the more pricing will fluctuate and
• 6:26
  Speaker 3: increase because they know that you're going to book. So
• 6:28
  Speaker 3: if you're visiting like an airline site quite often or
• 6:31
  Speaker 3: if you have it in your cart, you go back
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  Speaker 3: out and you go back in.
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  Speaker 1: That can sometimes influence the price.
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  Speaker 3: So if that happens, ask like a friend to pull
• 6:39
  Speaker 3: it up on like their laptop or their browser and
• 6:44
  Speaker 3: see if you can get.
• 6:45
  Speaker 1: A better rate. Yeah, that's a good tip. And also
• 6:47
  Speaker 1: like the shoulder seasons.
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  Speaker 3: So don't always go places in peak time. We've been
• 6:52
  Speaker 3: to Europe during June and July, both years. And honestly,
• 6:56
  Speaker 3: I reckon we could do May.
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  Speaker 1: I think so too.
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  Speaker 3: I think that would be my strategy, not only for
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  Speaker 3: the cost, but also for the experience.
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  Speaker 1: Exactly.
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  Speaker 3: Like, I think it's so busy that That I do
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  Speaker 3: genuinely think I would love to come here when it's
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  Speaker 3: not peak season.
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  Speaker 1: Also because it's hot.
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  Speaker 2: I was going to say and also because it's hot.
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  Speaker 2: And the same goes if it's like peak winter, it's
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  Speaker 2: going to be freezing. It's like it could actually be
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  Speaker 2: a more pleasant experience in terms of how much money
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  Speaker 2: you're spending.
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  Speaker 1: We love spring and autumn. We love spring. Why aren't
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  Speaker 1: we traveling in spring and autumn? They're underrated. They're so underrated. Yeah.
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  Speaker 1: Spring and autumn, hot girl summer. Okay? No one's saying spring, girl, summer.
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  Speaker 3: I know.
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  Speaker 1: We need to start saying that more. Spring, girl, summer.
• 7:38
  Speaker 3: Spring, girl, summer.
• 7:40
  Speaker 1: Everyone's like, that doesn't make sense. It does in my
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  Speaker 1: heart and in my soul. It's a lifestyle.
• 7:45
  Speaker 2: Okay?
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  Speaker 1: All right.
• 7:46
  Speaker 3: Tip number two, no more in-flight facials.
• 7:51
  Speaker 1: I'm kind of upset about this one. Yeah. I felt
• 7:54
  Speaker 1: like you would be. But we've had this lesson recently.
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  Speaker 3: We've all seen the TikToks of the girlies doing like
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  Speaker 3: their face masks and elaborate skincare routines on the plane.
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  Speaker 1: So flying can make your skin feel.
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  Speaker 3: Like a bit dry and also you're trying to kill time,
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  Speaker 3: you're trying to like do maybe a bit of a
• 8:11
  Speaker 3: reset because you're feeling a bit stale maybe. So it's
• 8:15
  Speaker 3: not surprising that like a little bit of a skincare
• 8:18
  Speaker 3: or the bio mask that turns clear has become like
• 8:22
  Speaker 3: a bit of.
• 8:22
  Speaker 1: A thing, right?
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  Speaker 3: But if you have eczema, rosacea, a compromised skin barrier,
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  Speaker 3: the dry cabin can also cause like irritation or a flare-up.
• 8:33
  Speaker 3: As someone who does have eczema, like my lips will
• 8:37
  Speaker 3: have very much like a bit of a flare-up, my
• 8:40
  Speaker 3: skin and like the parts that I do get eczema,
• 8:42
  Speaker 3: like I will feel that because as well like there's
• 8:44
  Speaker 3: the air conditioning and, you know, you can have that moment.
• 8:48
  Speaker 3: But if you also add like frequent face touching or
• 8:52
  Speaker 3: applying products with unclean hands.
• 8:54
  Speaker 1: This could just make it worse. I know.
• 8:58
  Speaker 3: Yeah.
• 8:59
  Speaker 1: Which is really upsetting.
• 9:01
  Speaker 2: However, you don't have to skip the skincare altogether on
• 9:04
  Speaker 2: a flight. According to an esthetician in a Birdie article,
• 9:08
  Speaker 2: I'll link it in the show notes, you should actually
• 9:10
  Speaker 2: focus more on the before flight skin prep rather than
• 9:14
  Speaker 2: during the flight. So she says to cleanse, hydrate, seal
• 9:18
  Speaker 2: and protect your skin before flying. And then if your
• 9:22
  Speaker 2: skin is feeling a little bit dry and tight, rather
• 9:25
  Speaker 2: than doing like a sheet mask or a full skincare routine,
• 9:29
  Speaker 2: spray yourself with an essence or a mist instead because
• 9:33
  Speaker 2: then you're still giving your skin some hydration and refreshing
• 9:38
  Speaker 2: but you're not actually touching your face.
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  Speaker 3: Exactly. And if you think about, not to get like germophobia,
• 9:44
  Speaker 3: but like if you think about the bacteria that, you know,
• 9:46
  Speaker 3: there's lots of people on a plane, you've touched your
• 9:48
  Speaker 3: face and then you've put a sheet mask on top
• 9:51
  Speaker 3: of all of that gunky little bacteria girly, you're basically
• 9:57
  Speaker 3: trapping the bacteria onto your skin underneath.
• 10:00
  Speaker 1: A sheet mask or under like you know your vaso
• 10:03
  Speaker 1: yeah so girl you are.
• 10:04
  Speaker 3: Like what's it slugging that's it that it's like that's
• 10:07
  Speaker 3: not actually good for your.
• 10:08
  Speaker 1: Skin and then you're learning you're going why am i
• 10:10
  Speaker 1: breaking out Me, every time. I know.
• 10:13
  Speaker 3: Also, I think, like, when there's these long skincare routines
• 10:17
  Speaker 3: in the bathroom.
• 10:18
  Speaker 1: Get out.
• 10:19
  Speaker 3: Yes.
• 10:20
  Speaker 1: Get out.
• 10:20
  Speaker 3: Do not do a 12-step skincare routine on the plain bathroom.
• 10:25
  Speaker 1: No. Do that in your seat. That is not good
• 10:27
  Speaker 1: plain etiquette.
• 10:28
  Speaker 2: I agree.
• 10:28
  Speaker 1: I need to shit. Get out. Yeah.
• 10:32
  Speaker 3: Okay?
• 10:33
  Speaker 1: Shit or get off the pot. Shit or get off
• 10:36
  Speaker 1: the pot. Literally.
• 10:37
  Speaker 3: Okay?
• 10:37
  Speaker 1: Okay. And I think more people need to say that. Seriously.
• 10:42
  Speaker 3: I do believe most people are doing this at their chair.
• 10:47
  Speaker 1: And even now you can do less. Exactly. But I agree.
• 10:51
  Speaker 3: I would also say like prep if you do have eczema,
• 10:54
  Speaker 3: if you do get irritated skin, like prep your skin
• 10:56
  Speaker 3: before you're getting on the plane because, well, you don't
• 10:59
  Speaker 3: have enough room.
• 10:59
  Speaker 1: You don't want to get in there.
• 11:02
  Speaker 3: Yeah, then you don't have to fuck around with all
• 11:03
  Speaker 3: the liquids in your carry-on as well. Exactly, because the
• 11:06
  Speaker 3: liquids in the carry-on, also take up space. So instead
• 11:10
  Speaker 3: of packing like a 12-step skincare routine on a flight,
• 11:14
  Speaker 3: what are some of our carry-on must-haves?
• 11:18
  Speaker 1: Mine would be an eye mask. I need an eye
• 11:22
  Speaker 1: mask on the plane and I need my own.
• 11:24
  Speaker 2: I don't really like the ones that they provide.
• 11:26
  Speaker 1: I prefer, I.
• 11:27
  Speaker 3: Love bringing my own eye mask, the ones that have
• 11:29
  Speaker 3: like the cushion on the outside. So it really just
• 11:32
  Speaker 3: like creates a blackout moment for you because you don't
• 11:35
  Speaker 3: want to be the person that's sitting next to someone
• 11:37
  Speaker 3: that has the reading light on, which is their prerogative.
• 11:39
  Speaker 3: They're allowed to have their light on. You can't fall
• 11:42
  Speaker 3: asleep because the light's on. I also would go ahead
• 11:45
  Speaker 3: and say my loop earplugs changed the game when flying.
• 11:49
  Speaker 3: The sleep loop earplugs are so 10 out of 10.
• 11:53
  Speaker 1: I was like a baby. I was like, bye-bye.
• 11:56
  Speaker 3: Baby's going bye-bye. I also love the AirFly. So we
• 12:00
  Speaker 3: both have this. And AirFly is this little GoDaddy thing
• 12:05
  Speaker 3: that you plug into the plane screen on the back
• 12:07
  Speaker 3: of the chair or wherever and it allows you to
• 12:09
  Speaker 3: use your Bluetooth headphones.
• 12:11
  Speaker 1: Yep. Because the headphones that planes give you hurt my ears.
• 12:14
  Speaker 3: Yeah. And the sound quality.
• 12:16
  Speaker 1: And they're not noise cancelling.
• 12:17
  Speaker 3: Yeah. Yeah.
• 12:18
  Speaker 1: Which leads me to my next point. Noise cancelling headphones. Yeah. Must.
• 12:23
  Speaker 1: Absolutely need those. Absolutely must.
• 12:25
  Speaker 2: Also, downloading stuff on your phone before you get on
• 12:29
  Speaker 2: the plane. As soon as you step on the plane,
• 12:32
  Speaker 2: the Wi-Fi, like you just can't.
• 12:34
  Speaker 1: So always have like.
• 12:36
  Speaker 2: Your podcast, your audio books, your movies, your TV shows
• 12:40
  Speaker 2: loaded at home.
• 12:41
  Speaker 1: And test them.
• 12:43
  Speaker 2: Yeah.
• 12:43
  Speaker 3: Test them on airplane mode because sometimes … They just
• 12:47
  Speaker 3: don't work. Yeah. So, like, download everything and then put
• 12:50
  Speaker 3: it on airplane mode and try to open everything because
• 12:53
  Speaker 3: I've downloaded a movie that I was really excited to
• 12:55
  Speaker 3: watch once and I was ready to go in and
• 12:57
  Speaker 3: it was like, there's an error with your download. And
• 12:59
  Speaker 3: it was literally that, like, melodramatic scene.
• 13:01
  Speaker 1: I'd be like, no! Yeah, totally. Heartbreaking.
• 13:04
  Speaker 3: Mm-hmm.
• 13:05
  Speaker 1: All right. Moving on. Moving on.
• 13:08
  Speaker 2: Okay, this next tip is brought to you by the
• 13:11
  Speaker 2: sponsor of today's episode, Velocity Frequent Flyer. You chicks probably
• 13:15
  Speaker 2: know what we're about to get into because we've spoken
• 13:18
  Speaker 2: about this many times before. The obvious tip is to
• 13:23
  Speaker 2: earn points on flights, hotels, and accommodations so that the
• 13:27
  Speaker 2: travel that you're doing now can also help fund your
• 13:31
  Speaker 2: next holiday. And before we really got into points, which
• 13:36
  Speaker 2: was like three years ago or so- We didn't really
• 13:39
  Speaker 2: know that you could earn points on more than just
• 13:42
  Speaker 2: travel and thought it was kind of just something that
• 13:45
  Speaker 2: like your parents got really into being like, don't forget
• 13:48
  Speaker 2: to ski.
• 13:48
  Speaker 1: In the flyby card.
• 13:49
  Speaker 3: Yeah, or just like mum being like, oh, get it
• 13:51
  Speaker 3: on point. I've earned over 200,000 points and have never
• 13:55
  Speaker 3: had to get a credit card.
• 13:56
  Speaker 1: So I kind of wanted to share what some of
• 13:58
  Speaker 1: those tips are.
• 13:59
  Speaker 3: Like it's, yes, this is a sponsored segment, but genuinely
• 14:03
  Speaker 3: this is something we do in our every single day
• 14:06
  Speaker 3: and genuinely has saved me So much money.
• 14:09
  Speaker 1: So all I do to earn velocity.
• 14:12
  Speaker 3: Points is I earn them on the money that I
• 14:14
  Speaker 3: was already going to spend. So I've created a quick
• 14:16
  Speaker 3: little cheat sheet on how I earned over 200,000 points.
• 14:20
  Speaker 1: I'm going to quickfire this. So take notes.
• 14:23
  Speaker 3: Linking flybys and velocity accounts so you can earn at Coles, Kmart, Bunnings, Officeworks,
• 14:28
  Speaker 3: and transfer your flybys into frequent flyer points. So basically
• 14:32
  Speaker 3: I aim to do all of my grocery shopping or
• 14:34
  Speaker 3: usual expenses at these retailers so I also earn points
• 14:38
  Speaker 3: for that.
• 14:39
  Speaker 1: I earn points on.
• 14:40
  Speaker 3: Rideshare with Didi, food delivery with DoorDash, and when I
• 14:43
  Speaker 3: scan a me and you QR code when grabbing dinner
• 14:46
  Speaker 3: and drinks at an eligible venue.
• 14:47
  Speaker 1: So I'm like, no, girls, girls, this one's all me.
• 14:49
  Speaker 3: Don't worry.
• 14:49
  Speaker 1: I'm like, hey. Little do they know.
• 14:52
  Speaker 3: Yeah, literally.
• 14:52
  Speaker 1: I'm getting all the points.
• 14:54
  Speaker 3: Literally.
• 14:55
  Speaker 1: Or like if we're getting takeaway, I'm like, oh, no,
• 14:58
  Speaker 1: I'll get it. Just transfer me half.
• 15:00
  Speaker 3: Yeah.
• 15:01
  Speaker 1: And then I'm like, yes, thank you.
• 15:04
  Speaker 3: Also, if I'm online shopping, I do– it through the
• 15:08
  Speaker 3: velocity store when eligible because they have over 300 brands
• 15:11
  Speaker 3: so i just double check because i might as well
• 15:13
  Speaker 3: earn points when i'm buying something anyway a good example
• 15:16
  Speaker 3: of that is i'm not saying just go spend money
• 15:18
  Speaker 3: so that you can earn points is like we buy
• 15:20
  Speaker 3: pet food every single month so like i might as
• 15:24
  Speaker 3: well just do it through that and earn on that
• 15:26
  Speaker 3: spending like this is what rich people do they do
• 15:30
  Speaker 3: not just spend money they make their money like do
• 15:34
  Speaker 3: something As well when they're spending money. So some people
• 15:37
  Speaker 3: with credit cards, like that's how they do it. They
• 15:39
  Speaker 3: earn rewards through that. I do it through my velocity. Yeah.
• 15:44
  Speaker 3: You know? And the biggest hack is earning through your bills.
• 15:48
  Speaker 3: So like eligible insurances or gas or electricity bills. I've
• 15:52
  Speaker 3: spoken about this online before.
• 15:54
  Speaker 1: It was in a video.
• 15:54
  Speaker 3: It was like five things that are worth the money
• 15:57
  Speaker 3: that also saved me money. And the one thing that
• 16:00
  Speaker 3: has saved me the most money in my entire life
• 16:03
  Speaker 3: was pet insurance. It saved me like 18,000 fucking dollars
• 16:08
  Speaker 3: and also saved my cat's life, you know? And I
• 16:12
  Speaker 3: got that because I saw the offer to get bonus
• 16:15
  Speaker 3: velocity points through a certain pet insurance.
• 16:18
  Speaker 1: And I was like, sick, I'm going to do that.
• 16:20
  Speaker 3: You're like, I already needed pet insurance. That pet insurance
• 16:23
  Speaker 3: looks good to me. It suits what I need.
• 16:26
  Speaker 1: I think I switched.
• 16:27
  Speaker 3: I switched pet insurance because I saw the offer. I
• 16:29
  Speaker 3: already had pet insurance because I'm a like the poster
• 16:31
  Speaker 3: child for it basically at this point.
• 16:33
  Speaker 1: I'm like, everybody get pet insurance, please.
• 16:35
  Speaker 3: And my pet insurance is like $ 35 a month. I
• 16:37
  Speaker 3: know it's different depending on like your situation, what animals
• 16:41
  Speaker 3: and how many.
• 16:41
  Speaker 1: Pets you have. But I switched it because I was like, well,
• 16:44
  Speaker 1: I would like that, please.
• 16:45
  Speaker 3: Yeah. The point is, yeah, it's something you were already
• 16:47
  Speaker 3: going to spend money on. So you look for a
• 16:49
  Speaker 3: way to earn points.
• 16:51
  Speaker 2: And these are just some of the ways that you
• 16:53
  Speaker 2: can earn points on everyday stuff that you already have
• 16:56
  Speaker 2: to spend money on. But we've actually published a whole
• 16:58
  Speaker 2: guide to earning, redeeming, and maximizing your velocity points on Substack,
• 17:02
  Speaker 2: which we've linked in the show notes. But our rule
• 17:05
  Speaker 2: is that if you're already planning to spend money, always
• 17:07
  Speaker 2: check if you can earn points first. But velocity, membership,
• 17:10
  Speaker 2: and partner terms and conditions apply. So we've popped a
• 17:13
  Speaker 2: link in the show notes for all the details. Number four,
• 17:16
  Speaker 2: we're talking travel money. Beware dynamic conversion. So many of
• 17:20
  Speaker 2: us know that you'll save when you're spending overseas by
• 17:22
  Speaker 2: using a travel card that won't charge you foreign transaction
• 17:25
  Speaker 2: fees when you're spending in a foreign currency. But what
• 17:29
  Speaker 2: about when you're at the terminal and they ask you
• 17:32
  Speaker 2: to charge you in Australian dollars instead?
• 17:35
  Speaker 3: So wherever you are, it'll be like, do you want
• 17:36
  Speaker 3: to pay in the local currency or do you want
• 17:38
  Speaker 3: to pay in your country?
• 17:41
  Speaker 1: Like home country's currency. Yeah.
• 17:43
  Speaker 2: When that comes up, always say no. And if you're
• 17:47
  Speaker 2: using a travel card, pay in the local currency.
• 17:51
  Speaker 3: So when you're saying say no, it's like, do you
• 17:54
  Speaker 3: want to pay in like, let's say USD or AUD,
• 17:57
  Speaker 3: click USD, click where you are.
• 18:00
  Speaker 1: Don't click your local.
• 18:02
  Speaker 3: Yeah.
• 18:02
  Speaker 2: Because the rate offered pads in a margin for the
• 18:05
  Speaker 2: merchant on top of that. And like some Australian cards
• 18:09
  Speaker 2: will still charge you like the foreign transaction fee that
• 18:15
  Speaker 2: is applied as well. And overall dynamic currency conversion cost
• 18:19
  Speaker 2: travelers an estimated 6% average markup globally.
• 18:21
  Speaker 1: That's wild.
• 18:22
  Speaker 3: And when you kind of put in how much you're
• 18:25
  Speaker 3: spending on travel, like let's say your trip costs $ 2, 000,
• 18:28
  Speaker 3: which like that's a pretty, like that's a moderate spending
• 18:32
  Speaker 3: budget on a trip.
• 18:33
  Speaker 1: 6% of that is a lot of money.
• 18:35
  Speaker 3: Like when you're putting in hotels, flights, food you know
• 18:39
  Speaker 3: six percent adds up a lot and it's wild because
• 18:43
  Speaker 3: I was literally buying tickets for a show and it
• 18:46
  Speaker 3: had like AUD recommended so don't listen to it like
• 18:51
  Speaker 3: it might even try to be like yeah pick this
• 18:52
  Speaker 3: one that's a good one yeah no pay in local
• 18:56
  Speaker 3: currency in terms of the local place you're traveling to
• 18:59
  Speaker 3: not where your banking is from yeah okay and finally
• 19:04
  Speaker 3: create your own itinerary don't Just rely on TikTok to
• 19:10
  Speaker 3: tell you where to go. As someone who has done
• 19:12
  Speaker 3: that on holidays, this is definitely a big life lesson
• 19:16
  Speaker 3: that I've pulled from a couple of trips. Like, yes,
• 19:20
  Speaker 3: there can be some great tips and recommendations and hacks
• 19:24
  Speaker 3: that you can get from social media when you're traveling.
• 19:27
  Speaker 3: But sometimes this can end up biting you in the bum.
• 19:31
  Speaker 3: So 48% of Gen Z travelers use TikTok to plan
• 19:34
  Speaker 3: their travel itineraries.
• 19:35
  Speaker 1: And like I said, same. We've done it. But while
• 19:39
  Speaker 1: TikTok can be.
• 19:40
  Speaker 3: A great way to discover cool places to visit and
• 19:42
  Speaker 3: get like an honest review of things, it also means
• 19:45
  Speaker 3: that we're all like creating identical travel memories so there
• 19:51
  Speaker 3: was this post I'll link it in the show notes
• 19:53
  Speaker 3: on Instagram that kind of was like are we all
• 19:58
  Speaker 3: are you traveling or are you recreating your algorithm and
• 20:02
  Speaker 3: basically it's was highlighting how we're a little bit more
• 20:06
  Speaker 3: focused on getting content on holidays rather than getting experience
• 20:11
  Speaker 3: yeah and I thought that was such a good thing
• 20:13
  Speaker 3: to highlight because it's not to say that you can't
• 20:15
  Speaker 3: see something online and be like that is so beautiful
• 20:18
  Speaker 3: I really want to go there but also like are
• 20:22
  Speaker 3: you going to go there and really go for the
• 20:24
  Speaker 3: experience or are you going because like it's trending yeah
• 20:28
  Speaker 3: and not last year the year before like we went
• 20:31
  Speaker 3: to this um town and it was amazing but if
• 20:35
  Speaker 3: you've seen it on tiktok so is like the other
• 20:39
  Speaker 3: 100,000 people that liked that TikTok.
• 20:41
  Speaker 1: And it was so busy.
• 20:43
  Speaker 3: Also, the beach was closed and it was so intensely
• 20:48
  Speaker 3: heavy with tourism, which is great for the town and
• 20:52
  Speaker 3: the businesses there. But it just ended up not being
• 20:56
  Speaker 3: like what was, it wasn't magical. Yeah. And so we
• 20:59
  Speaker 3: ended up getting a car and we just picked a
• 21:02
  Speaker 3: spot on the map. Yeah. And we drove down to
• 21:05
  Speaker 3: this like, small town that I tried to look it
• 21:09
  Speaker 3: up on TikTok, no content. Like I just went off
• 21:13
  Speaker 3: Google Images. Yeah. And it was my favorite, favorite place
• 21:17
  Speaker 3: I've ever been to and it was so magical and
• 21:19
  Speaker 3: it had nothing to do with the algorithm, which I
• 21:22
  Speaker 3: don't want to sound like I'm sitting on a high
• 21:24
  Speaker 3: horse being like, and I went offline and I chose
• 21:28
  Speaker 3: a place that no one had been to before. I'm
• 21:30
  Speaker 3: not saying that because there's been a lot of places
• 21:32
  Speaker 3: that I've also been to or a lot of tips
• 21:34
  Speaker 3: that I've listened to from TikTok that that have been amazing.
• 21:38
  Speaker 2: Yeah.
• 21:39
  Speaker 3: So I think the question to ask is, if I
• 21:41
  Speaker 3: never saw it on my TikTok, would this be on
• 21:44
  Speaker 3: my itinerary? And also remember that people are going to
• 21:46
  Speaker 3: edit in the best parts of something. Yeah. You know,
• 21:49
  Speaker 3: like it's always going to look really, really, like they're
• 21:52
  Speaker 3: not going to put the shit part of the holiday
• 21:54
  Speaker 3: in it.
• 21:55
  Speaker 1: Sometimes they do, not to say everyone.
• 21:57
  Speaker 2: But most of the time it's like the best case scenario.
• 22:00
  Speaker 2: They've pulled up the vibrant.
• 22:01
  Speaker 3: Sea and it's looking at the bluest water in the
• 22:04
  Speaker 3: world and then you get there and you're like, oh shit,
• 22:06
  Speaker 3: like there was another beach that was just as beautiful
• 22:08
  Speaker 3: but took maybe an hour less to get to and
• 22:10
  Speaker 3: I could have gone there. Some of my favourite places
• 22:12
  Speaker 3: we've been to are the most like touristy things we
• 22:14
  Speaker 3: could have done ever.
• 22:16
  Speaker 1: That's what I mean.
• 22:17
  Speaker 2: I'm not being like don't go to the Eiffel Tower
• 22:18
  Speaker 2: when you go to Paris. Like you can do the
• 22:21
  Speaker 2: touristy thing.
• 22:22
  Speaker 3: Sometimes that is really magical and like can be some
• 22:25
  Speaker 3: of the most special memories as well.
• 22:27
  Speaker 1: But yeah, look beyond your FYP as well. Try to
• 22:30
  Speaker 1: have a mix of both.
• 22:31
  Speaker 3: Try to have. I think that's like the sweet spot
• 22:34
  Speaker 3: is try to have like, yeah, 50% of maybe some
• 22:36
  Speaker 3: recommendations and some tips and 50% of you have no
• 22:39
  Speaker 3: idea what to expect.
• 22:40
  Speaker 1: Yeah.
• 22:41
  Speaker 3: Like because that's where sometimes it can be a little
• 22:44
  Speaker 3: bit like, I don't know, maybe it's a bit less
• 22:46
  Speaker 3: magical because you already know what it's going to look like.
• 22:48
  Speaker 1: You already know what it's going to be. The expectations
• 22:50
  Speaker 1: are set up for you. Yeah.
• 22:52
  Speaker 3: And it's so much more fun to also just have
• 22:55
  Speaker 3: that little bit of like, ooh, don't know.
• 22:58
  Speaker 1: In our experience, you'll get the best recs when you
• 23:00
  Speaker 1: talk to a local. Yes.
• 23:03
  Speaker 3: I honestly think that is how, like, have a few
• 23:05
  Speaker 3: things planned out, but then, like, when you're at a restaurant,
• 23:08
  Speaker 3: be like, where else.
• 23:09
  Speaker 1: Should I go next?
• 23:10
  Speaker 3: One of the best nights of our entire lives, so
• 23:13
  Speaker 3: many actually, have been, like, saluted at, like, a surfing lesson,
• 23:18
  Speaker 3: and then we ended up becoming friends with the surfing
• 23:20
  Speaker 3: lesson guy.
• 23:21
  Speaker 1: I didn't know. I just read my book on the beach.
• 23:23
  Speaker 3: Yeah.
• 23:24
  Speaker 1: Then we ended up going to like some bar with
• 23:26
  Speaker 1: like him and his mates and then their friends. Went
• 23:29
  Speaker 1: to karaoke.
• 23:29
  Speaker 3: Karaoke and then some like very famous Hawaiian singer.
• 23:32
  Speaker 1: Did like a pop-up gig there.
• 23:34
  Speaker 3: Yeah. And then another night we ended up going to
• 23:36
  Speaker 3: a country bar with his brother. Yeah.
• 23:39
  Speaker 1: And then he drove us home. Like it was the
• 23:41
  Speaker 1: craziest thing and none of those things were on our itinerary. No. No.
• 23:45
  Speaker 1: But it just happened.
• 23:46
  Speaker 3: Yeah.
• 23:46
  Speaker 1: And we didn't make a TikTok about any of those things.
• 23:48
  Speaker 3: No.
• 23:49
  Speaker 1: And yet it still happened and it was great.
• 23:51
  Speaker 3: Yes.
• 23:51
  Speaker 1: Your travel still happens if you don't take a photo.
• 23:54
  Speaker 1: That too.
• 23:54
  Speaker 3: Your travel still happens if you didn't make a TikTok.
• 23:57
  Speaker 3: And that's as someone, like that's as people who making
• 24:00
  Speaker 3: content is our job. But there's so many things that
• 24:02
  Speaker 3: we do and I'm like, I just want to experience this.
• 24:04
  Speaker 3: Like I don't want it to be about like getting a,
• 24:06
  Speaker 3: hot photo and sometimes that ruins the vibe. Yeah, because
• 24:10
  Speaker 3: then if you don't get the pic, you're like, well, fuck,
• 24:12
  Speaker 3: I travelled all the way to Paris for nothing.
• 24:14
  Speaker 1: I feel like we need to lose the, oh, if
• 24:16
  Speaker 1: you didn't take a pic, did it still happen? Yes,
• 24:18
  Speaker 1: it did. Yeah, totally. And, like, in five years you'll
• 24:22
  Speaker 1: probably think the outfit's cringe anyway.
• 24:23
  Speaker 3: Exactly.
• 24:24
  Speaker 1: So there's that too. Like, obviously take photos and, like.
• 24:27
  Speaker 1: Have the memories.
• 24:28
  Speaker 3: Have the memories. But, like, your holiday is not to
• 24:32
  Speaker 3: build content.
• 24:34
  Speaker 1: Totally, yeah.
• 24:35
  Speaker 2: Well, that's a wrap on our Rich in Life formula
• 24:39
  Speaker 2: to travel. As always, we want to hear your tips
• 24:42
  Speaker 2: in the comments, so let us know. And thanks again
• 24:45
  Speaker 2: to Velocity Frequent Flyer for making today's episode possible. If
• 24:48
  Speaker 2: you haven't already, hit the link in the description to
• 24:51
  Speaker 2: join Velocity Frequent Flyer for free, and you can also
• 24:54
  Speaker 2: earn up to 500 bonus Velocity points.
• 24:57
  Speaker 3: Woo!
• 24:57
  Speaker 1: T's and C's apply. Bye, chickies. Bye, chicks. Love you.
• 25:02
  Speaker 3: Love you, baby.