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Do You Actually Want to Buy a House or Just Feel Like You Should? · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud or
• 0:04
  Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money. She's on the Money.
• 0:57
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 2: that makes personal finance fun, especially on Fridays. It's our
• 1:03
  Speaker 2: favorite day of the week because we get to get
• 1:05
  Speaker 2: our team together and then we celebrate you our incredible
• 1:07
  Speaker 2: She's on the Money community. Miss jessic Ricci as always
• 1:11
  Speaker 2: is here sharing our favorite money wins. Miss Becks say
• 1:14
  Speaker 2: Ed is sharing her broke tips, and we're going to
• 1:16
  Speaker 2: be helping to answer a money dilemma, which this week
• 1:18
  Speaker 2: is about whether you should buy a house or invest
• 1:20
  Speaker 2: and something that you slid into our dms about whether
• 1:23
  Speaker 2: it's worth uprooting your family for a job that might
• 1:26
  Speaker 2: be temporary. But before we get there, my love's mid June.
• 1:30
  Speaker 2: How are we a little bit of a weather check in?
• 1:33
  Speaker 2: I suppose sads.
• 1:35
  Speaker 4: Are real trying to find anything exciting to look forward
• 1:37
  Speaker 4: to you. Actually, I have a question I need the
• 1:38
  Speaker 4: people to answer for me. Does anybody or is this
• 1:42
  Speaker 4: It's open to the room, but I don't think either
• 1:43
  Speaker 4: of you have done it, so I'm opening it to
• 1:45
  Speaker 4: the people of the listeners. Okay, we've recommended. I'm pretty
• 1:48
  Speaker 4: sure today ticks that app. I'm trying to find joy.
• 1:51
  Speaker 4: I really want to go see a musical, but musical's
• 1:53
  Speaker 4: very expensive, so I've been trying to do Jackson Michael Jackson.
• 1:57
  Speaker 2: Michael Jackson's musical. No, Okay, I know I wouldn't have
• 1:59
  Speaker 2: Wait did that come from? She wants to see Wicked Girl.
• 2:02
  Speaker 4: I want to see Beetle Juice, and I want to
• 2:04
  Speaker 4: see Hadestown at the two at the moment that I
• 2:06
  Speaker 4: really want to see. Okay, anyway, you can get like
• 2:08
  Speaker 4: really cheat tickets on this thing. They go on sale
• 2:10
  Speaker 4: at nine am every morning at nine am. I'm on
• 2:13
  Speaker 4: this app like I want this app from eight to
• 2:15
  Speaker 4: fifty five refreshing, like waiting for the button to turn
• 2:18
  Speaker 4: so you can like buy the tickets right and I
• 2:21
  Speaker 4: hit it the second my clock hits nine o'clock and
• 2:24
  Speaker 4: it says all the tickets are gone, and I just
• 2:26
  Speaker 4: need to know an idiot or it's like I don't
• 2:31
  Speaker 4: know if it's pre loading, so I don't know it.
• 2:33
  Speaker 4: Has anyone ever had any success with the app? Is
• 2:35
  Speaker 4: what I want to know, because I'm desperate for like
• 2:37
  Speaker 4: fifty five dollar tickets.
• 2:39
  Speaker 5: But is it a EDT or whatever it is whatever in.
• 2:43
  Speaker 4: E because it's like a countdown, which is quite good,
• 2:46
  Speaker 4: like I appreciate It's like everyone.
• 2:47
  Speaker 2: I hate a countdown, unnecessary morning anxiety.
• 2:50
  Speaker 4: That's actually a great point, but it's it's kind of like, well,
• 2:53
  Speaker 4: I know that I haven't missed it because I get
• 2:54
  Speaker 4: a notification at like quarter two. I think that says
• 2:56
  Speaker 4: all the tickets go on sale soon. And then like
• 2:58
  Speaker 4: you can't click the button till it like ticks over,
• 3:01
  Speaker 4: which I like, but in a second, but everybody else is.
• 3:04
  Speaker 2: Clicking it faster than you.
• 3:06
  Speaker 4: I feel like I have the fastest fingers in the West. Still,
• 3:10
  Speaker 4: I'm like bang, still God, do.
• 3:12
  Speaker 2: You people are using like bots? Do you remember back
• 3:15
  Speaker 2: in the day people would talk about like eBay bots. Yeah,
• 3:19
  Speaker 2: that would like do the beadting at the very last minute,
• 3:21
  Speaker 2: and like that's how I used to lose Onmbardo jeans
• 3:24
  Speaker 2: and stuff back in two thou. Yes, I don't know.
• 3:27
  Speaker 4: I just was very I was like, what am I
• 3:29
  Speaker 4: doing wrong? So if anyone's ever know what you're doing wrong?
• 3:31
  Speaker 4: Manage it? Please let me know if you to try
• 3:35
  Speaker 4: for you? Yeah, thank you, send us the link because
• 3:38
  Speaker 4: everyone on at nine am every morning, we're yeah, yeah, genuinely.
• 3:42
  Speaker 2: Think so if any of you work for the PR
• 3:44
  Speaker 2: company that does Beetle juice, be just like slide into
• 3:49
  Speaker 2: our dms, because I have a sneaky suspicion just might
• 3:51
  Speaker 2: even work for free.
• 3:54
  Speaker 5: What did you say, just has it locked into everything?
• 3:59
  Speaker 5: As just locked into everything? I said, No, I can
• 4:01
  Speaker 5: get you Bettle juice tickets.
• 4:02
  Speaker 2: We're giving them away work. I didn't realize you wanted
• 4:08
  Speaker 2: I'll post, I'll tag I don't come with me.
• 4:14
  Speaker 4: Should we go to be a fun team thing?
• 4:15
  Speaker 2: I just can't imagine anything worse.
• 4:18
  Speaker 5: I think people love it musical in general.
• 4:25
  Speaker 2: I thought you meant hanging out with us outside.
• 4:29
  Speaker 5: That's just obviously that too. But like musical, I don't
• 4:33
  Speaker 5: know what Beagle Juice is. I just like, but really
• 4:38
  Speaker 5: musical before.
• 4:39
  Speaker 2: That's so nice. I've been to a musical.
• 4:41
  Speaker 5: I just I just not I just want to know
• 4:43
  Speaker 5: what they're saying. But they're just singing the whole titles
• 4:47
  Speaker 5: the whole time.
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  Speaker 4: No, unless it's Hamilton, but most of the time it's
• 4:49
  Speaker 4: just like burths of song in between.
• 4:51
  Speaker 2: The wh saw Hamilton together.
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  Speaker 4: You didn't love it.
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  Speaker 5: I hated it.
• 4:55
  Speaker 2: I did not love it. I hated it. I hated Hamilton.
• 4:58
  Speaker 2: I'm so sorry. I understand that you don't care. There
• 5:01
  Speaker 2: are going to be a lot of people listening to
• 5:03
  Speaker 2: be very salty on me because it's like for a
• 5:06
  Speaker 2: lot of people the og like I know lots of
• 5:09
  Speaker 2: people because just and I like, we didn't just see
• 5:11
  Speaker 2: it in Melbourne, No, we saw it on the West End.
• 5:13
  Speaker 2: It was lovely because wow, we are fancy. And I
• 5:17
  Speaker 2: was posting I'm going to go see Hamilton, and people
• 5:19
  Speaker 2: were like dming me being like I've seen Hamilton five
• 5:22
  Speaker 2: times and I need to see it on the West End.
• 5:24
  Speaker 2: And I'm thinking why though, like, do you hate yourself.
• 5:27
  Speaker 4: I reckon it's because we are not familiar with the
• 5:29
  Speaker 4: US history and because.
• 5:31
  Speaker 5: Oh no, I got the history, why are we singing
• 5:34
  Speaker 5: about it? I think we will probably have the same
• 5:36
  Speaker 5: brain in that, like we can't really well, I don't
• 5:38
  Speaker 5: know about you, but I can't even absorb the information
• 5:40
  Speaker 5: when because it sounds like it's getting to a juicy part,
• 5:42
  Speaker 5: they're like, it's really juicy, and then someone starts singing
• 5:45
  Speaker 5: the rest and I'm like, feel it.
• 5:47
  Speaker 2: Wow, I don't feel it.
• 5:48
  Speaker 5: I'm just like, I'm really desperately trying to absorb what
• 5:51
  Speaker 5: they're saying.
• 5:52
  Speaker 2: I think that's probably what it is.
• 5:53
  Speaker 5: I'm like, at the very peak when I need this
• 5:57
  Speaker 5: next bit of juice, it is then it in a
• 6:00
  Speaker 5: way that is so I can't understand anymore.
• 6:03
  Speaker 2: The process thinks so differently. That's I nearly fell asleep.
• 6:07
  Speaker 4: Yeah she was not, Yeah it was.
• 6:11
  Speaker 2: She got that sober intermission. I was trying to leave,
• 6:15
  Speaker 2: absolutely not.
• 6:16
  Speaker 5: I'm putting this in my calendar really quick in case
• 6:18
  Speaker 5: I forget beetle Juice for Jess Ricky.
• 6:20
  Speaker 2: The best thing. I can't believe you.
• 6:24
  Speaker 4: We still don't know how to use the app because
• 6:26
  Speaker 4: I'm sure. I'm going to at some point try and
• 6:27
  Speaker 4: get other cheap tickets. So if anyone knows, let me know.
• 6:29
  Speaker 4: But thank you so.
• 6:31
  Speaker 5: Much and send me the link and we will jump
• 6:34
  Speaker 5: on and I do that.
• 6:35
  Speaker 4: How do we beat anyway I've just spoken about it's.
• 6:40
  Speaker 2: So fun, it's cold.
• 6:42
  Speaker 4: It's cold.
• 6:42
  Speaker 5: It's called happy to be home because for those who remember,
• 6:45
  Speaker 5: I was in Brisbane for a little while and I'm
• 6:48
  Speaker 5: just such a homebody, you know, I don't want to
• 6:50
  Speaker 5: be anywhere else, so I'm happy to be home. It
• 6:52
  Speaker 5: is very cold, and I honestly don't think I have
• 6:55
  Speaker 5: a single interesting thing to bring to the table other
• 6:58
  Speaker 5: than I'm home.
• 6:59
  Speaker 2: Neither.
• 7:04
  Speaker 4: God, We're going to get so many hate comments this.
• 7:07
  Speaker 5: Sorry, I'm a I.
• 7:08
  Speaker 2: Balance them out.
• 7:09
  Speaker 4: I'm a huge musical nerd. Don't hate us, please, yes.
• 7:12
  Speaker 2: True, just don't hate with us. You know what we
• 7:14
  Speaker 2: love though five star reviews.
• 7:15
  Speaker 5: Yes?
• 7:17
  Speaker 2: Are you ready? So this is from Fionna. I found
• 7:21
  Speaker 2: Cheese on the Money in the second year of university
• 7:23
  Speaker 2: and it is safe to say it's completely changed my life.
• 7:26
  Speaker 2: I was spending impulsively and didn't know what I was
• 7:29
  Speaker 2: saving for. This podcast sparked my passion for budgets and investing.
• 7:33
  Speaker 2: I now have investments, know where all of my money goes,
• 7:35
  Speaker 2: have an emergency fund, understand finance jargon, and am setting
• 7:39
  Speaker 2: myself up for the future. I love the vibes of
• 7:41
  Speaker 2: the pod and the content is always empowering me to
• 7:44
  Speaker 2: keep working on my finances. Vd's transparency on ADHD also
• 7:49
  Speaker 2: started my journey to my ADHD diagnosis, which has also
• 7:52
  Speaker 2: changed my life.
• 7:53
  Speaker 5: Cool.
• 7:53
  Speaker 2: I will continue to listen for a long time to
• 7:56
  Speaker 2: keep learning and laughing.
• 7:58
  Speaker 5: Gorgeous.
• 7:59
  Speaker 2: That's a nice thing.
• 8:00
  Speaker 5: You have to think.
• 8:00
  Speaker 2: For so long I was like embarrassed to talk about
• 8:04
  Speaker 2: my ADHD. I feel like it's like a relatively trendy now,
• 8:08
  Speaker 2: which I'm not gonna lie as someone who got diagnosed
• 8:10
  Speaker 2: at like eighteen nineteen, I'm a bit like, oh, so
• 8:13
  Speaker 2: you're telling me I didn't need to get all of
• 8:15
  Speaker 2: my riddle and tablets, pop them out and put them
• 8:17
  Speaker 2: into a separate container so that when I had them
• 8:19
  Speaker 2: at university people couldn't tell what I was taking and
• 8:22
  Speaker 2: they thought I was just taking a panadoll. Because I
• 8:24
  Speaker 2: was genuinely like, if these girls at UNI see me
• 8:28
  Speaker 2: with riddling in my bag, they're going to think I'm crazy,
• 8:31
  Speaker 2: right right, it's good the times of change. You're on
• 8:35
  Speaker 2: rilin dexies. What do you take? How does it work? Oh?
• 8:37
  Speaker 2: If you talked to your psych about this, like totally,
• 8:40
  Speaker 2: it's so's change. I'm changed, sounds change, But we need
• 8:43
  Speaker 2: to talk about it because if it is something you
• 8:46
  Speaker 2: are struggling with, it is life changing and also so validating,
• 8:50
  Speaker 2: validating for sure. Yeah, I wouldn't be surprised that the
• 8:52
  Speaker 2: reason we don't like musicals has something to do with Yeah,
• 8:57
  Speaker 2: with that and Jess, it's just like they really like,
• 8:59
  Speaker 2: they really empower me. I just really enjoy sitting down
• 9:02
  Speaker 2: and steering at something for an hour and a half
• 9:04
  Speaker 2: for a five minute intermission, and then another hour and
• 9:06
  Speaker 2: a half of one consistent show.
• 9:08
  Speaker 4: It's like my favorite thing in the world.
• 9:10
  Speaker 2: Do you know what I hate about They're going back
• 9:12
  Speaker 2: to this musicals going to the theater. I went to
• 9:14
  Speaker 2: the theater the other day, Ballet, the same thing. Yes
• 9:16
  Speaker 2: you mean, what do you mean I'm not allowed to
• 9:18
  Speaker 2: play on my phone?
• 9:20
  Speaker 5: Oh?
• 9:20
  Speaker 4: Yes, what do you mean?
• 9:22
  Speaker 2: I've just got to be locked into one thing and
• 9:24
  Speaker 2: it would be rude to get my phone out my
• 9:26
  Speaker 2: whole brain. So I went to a Melbourne Symphony orchestra.
• 9:30
  Speaker 2: What is it? Like a concept? The other day? Right,
• 9:33
  Speaker 2: it's just like a month ago with my best friend
• 9:34
  Speaker 2: Harriet and she was like so excited, but like my
• 9:38
  Speaker 2: brain during that period of time, I'm like thinking about
• 9:41
  Speaker 2: everything I've done wrong in life. I'm thinking about, Oh,
• 9:44
  Speaker 2: I wonder how many people are on the stage. I'm
• 9:46
  Speaker 2: counting how many people are on the stage. I'm thinking, Oh,
• 9:49
  Speaker 2: I wonder what sound that is or what instruments making that?
• 9:52
  Speaker 2: Trying to pinpoint the instruments on safe Looking at the conductor,
• 9:55
  Speaker 2: I'm wondering what type of degree the conductor had to
• 9:58
  Speaker 2: get you imagine your conducting. Yeah, I can definitely do that.
• 10:02
  Speaker 2: He doesn't look like he's doing much. And then I'm like,
• 10:04
  Speaker 2: do people watch him and read the music? Like my
• 10:06
  Speaker 2: brain is going a million miles an hour. I'm thinking
• 10:08
  Speaker 2: of what i can cook when I leave. I'm thinking
• 10:10
  Speaker 2: of what notifications might be on my phone, and then
• 10:12
  Speaker 2: Harriet's like, did you like that song? And I'm thinking
• 10:14
  Speaker 2: what song?
• 10:15
  Speaker 5: Totally I know I'm thinking the same thing. I'm thinking
• 10:17
  Speaker 5: how long did it take to set up the stage?
• 10:19
  Speaker 5: And I'm having.
• 10:20
  Speaker 2: These cold when I walk back to my car after
• 10:23
  Speaker 2: this because it's going to be quite late. Should have
• 10:25
  Speaker 2: parked closer?
• 10:26
  Speaker 4: Like so differently. This is so interesting because like when
• 10:31
  Speaker 4: I watch something like that, I'm like, I'm like live music,
• 10:34
  Speaker 4: especially like if there's no story, I'm like picturing worlds
• 10:37
  Speaker 4: in my mind, like use me somewhere else.
• 10:40
  Speaker 2: I'm thinking of what's in my fridge. I'm wonder if
• 10:42
  Speaker 2: those blueberries are soft yet. If they're soft, should I
• 10:45
  Speaker 2: freeze them for smoothies? Or should I just chuck them out? Oh,
• 10:48
  Speaker 2: chuck them out. I've chucked something else out one time.
• 10:51
  Speaker 2: One time I chucked a jumper out, like my brain
• 10:55
  Speaker 2: bloody loops. And then someone will interrupt my train of
• 10:58
  Speaker 2: thought and be like, what are you thinking about? Like, oh,
• 11:00
  Speaker 2: you interrupted my train of thought. And then I'm back
• 11:02
  Speaker 2: thinking and I'm like trains.
• 11:05
  Speaker 5: Yes, yes, and then we are When people say what
• 11:08
  Speaker 5: do you think about, You're like, it's impossible to narror that.
• 11:12
  Speaker 5: It could have been three seconds of thought and twenty
• 11:14
  Speaker 5: million things you've visited.
• 11:15
  Speaker 2: Ye Oh, the back of that head down sitting in
• 11:18
  Speaker 2: front of me really does look like my neighbor. I
• 11:20
  Speaker 2: wonder what can I imagine my neighbor coming to a
• 11:23
  Speaker 2: concert like this, like, yeah, my brain she doesn't stop.
• 11:28
  Speaker 5: No, no, no.
• 11:29
  Speaker 2: I'm not saying like you know when people say my
• 11:31
  Speaker 2: brain doesn't stop and you go, oh, that's so impressive.
• 11:33
  Speaker 2: It's not impressive, Jessica. It sounds exhausting. Yeah, it's humbling.
• 11:38
  Speaker 2: Like I'm not consistently thinking of new business ideas. I'm
• 11:40
  Speaker 2: not consistently thinking of things that could help the world. Like, hmm,
• 11:44
  Speaker 2: I don't know, does my neighbor have hairdlet looks like that?
• 11:49
  Speaker 2: I kid you not, And.
• 11:50
  Speaker 4: You may never know because I'll dispear into the crowd and.
• 11:52
  Speaker 2: You just have to wonder it did happen. I don't
• 11:55
  Speaker 2: know because he disappeared into a crowd. Jessica. Anyway, talk
• 11:59
  Speaker 2: to me, what if we got when it comes to
• 12:00
  Speaker 2: community money wins?
• 12:01
  Speaker 4: Alrighty nothing musical themes, sadly but very on brand. I
• 12:04
  Speaker 4: have a money in from b who said she won
• 12:06
  Speaker 4: an NGV membership.
• 12:07
  Speaker 2: Free er cool, boring. I love that for you.
• 12:10
  Speaker 4: Yeah, doesn't love a music gallery either.
• 12:14
  Speaker 5: I don't mind an art gallery, Yeah, I do like
• 12:17
  Speaker 5: an art gallery.
• 12:18
  Speaker 2: Just took me to an art gallery when basically we
• 12:23
  Speaker 2: went to send me home. We went to MoMA in
• 12:25
  Speaker 2: New York doesn't live up to the heart.
• 12:33
  Speaker 4: Zero out of ten would not recommend with me or book.
• 12:36
  Speaker 2: Can we just can we just say that I wasn't
• 12:39
  Speaker 2: on my own in that you took two eighty HD
• 12:41
  Speaker 2: girlies and then expected them to not go up the wolves.
• 12:44
  Speaker 4: I mean to be fair, I said, I'm so happy
• 12:46
  Speaker 4: to go by myself.
• 12:47
  Speaker 2: We wanted to say that we went.
• 12:49
  Speaker 5: Yeah, I see, Well, that's good to know that Jess
• 12:52
  Speaker 5: was really.
• 12:53
  Speaker 2: Stressed knowing that you guys were not having fun. The
• 12:57
  Speaker 2: fingernails there real question. Don't ruin it for me?
• 12:59
  Speaker 5: I would be I want to go and I do
• 13:00
  Speaker 5: want any spoilers.
• 13:02
  Speaker 4: Sorry, I do feel you would love it.
• 13:04
  Speaker 5: I feel like I would like I love a jar.
• 13:05
  Speaker 2: Of fingernails, but a lot of places that you can
• 13:07
  Speaker 2: sit though. That's good.
• 13:09
  Speaker 5: That's what we need.
• 13:10
  Speaker 2: Next.
• 13:10
  Speaker 4: I've got a money win from Madeline who said money win.
• 13:12
  Speaker 4: I've got my Opal card this morning. I got to
• 13:15
  Speaker 4: the Metro and they're signed everywhere that say free travel today.
• 13:18
  Speaker 2: All the games are open.
• 13:19
  Speaker 4: Thank you so much. Universe.
• 13:21
  Speaker 2: Hey, that is cool, isn't it.
• 13:23
  Speaker 4: When just a little thing, when the world aligns for you.
• 13:25
  Speaker 4: It's such a good feeling.
• 13:26
  Speaker 2: Why is it free travel?
• 13:27
  Speaker 4: That's great, really cool, I want to say to the
• 13:29
  Speaker 4: melbournecause obviously Opal is sid me.
• 13:32
  Speaker 2: Anyway.
• 13:32
  Speaker 4: Next, I've got a money win from Monique, who said
• 13:34
  Speaker 4: she got a ten dollar gift boucher from Yochi because
• 13:37
  Speaker 4: it was her birthday.
• 13:38
  Speaker 2: We all love Yoshi.
• 13:39
  Speaker 4: Your birthday's coming up, vd's if you dors.
• 13:41
  Speaker 2: Is too, it is, we could time it to use
• 13:43
  Speaker 2: it within the same week. I reckon, Yeah, if you
• 13:45
  Speaker 2: don't have a Yochi account, everybody, we should do a
• 13:47
  Speaker 2: birthday we can see how much free stuff we can get.
• 13:49
  Speaker 4: I had actually thought about that. I thought it would
• 13:51
  Speaker 4: be a very good TikTok to be like, yeah, how
• 13:53
  Speaker 4: many things, how many things?
• 13:55
  Speaker 2: But also, have you ever gone to Yochi and only
• 13:57
  Speaker 2: spent ten dollars?
• 13:58
  Speaker 4: Well, that's so true. But all of a sudden, my
• 14:01
  Speaker 4: fifteen dollar thing is only five and that's the money.
• 14:03
  Speaker 2: That's a deal, good deal. You're basically making money exactly right.
• 14:07
  Speaker 4: Next, I've got a money win from Lou said she
• 14:10
  Speaker 4: went into Just Jeans this week to try on a
• 14:11
  Speaker 4: denim dress, and the sales assistant advice that they could
• 14:14
  Speaker 4: price match the online prices. Online it was forty percent off,
• 14:18
  Speaker 4: so she managed just call that in store.
• 14:20
  Speaker 2: That's so nice, so good.
• 14:21
  Speaker 4: I do that sometimes when stuff I want is out
• 14:23
  Speaker 4: of stock, Like if there's an online sale that's really
• 14:25
  Speaker 4: good and the thing you wanted to sold out, but
• 14:27
  Speaker 4: it's not on sale instore, I'll just go in store
• 14:29
  Speaker 4: and say can you match the online price? And nine
• 14:31
  Speaker 4: times out of ten I say yes, genius, and then
• 14:33
  Speaker 4: you get the size that you wanted. And then last
• 14:36
  Speaker 4: of this week, I've got money in from wonder who
• 14:37
  Speaker 4: said money win. I've been doing so well with saving,
• 14:40
  Speaker 4: mostly due to cooking rather than buying takeaway, so I
• 14:43
  Speaker 4: decided to buy a convection slash microwave slash air fryer.
• 14:47
  Speaker 4: At checkout, I noticed the good guys had a compare
• 14:49
  Speaker 4: prices button, so I would already check competitors, you know myself.
• 14:53
  Speaker 4: I'd looked at the other websites. I wasn't expecting anything, however,
• 14:56
  Speaker 4: was pleasantly surprised when their button found a ten ten
• 15:00
  Speaker 4: dollars saving, which they then passed on to her.
• 15:02
  Speaker 2: Hey nice, like I have so nice crazy.
• 15:08
  Speaker 4: I thought that was very good, So well done to
• 15:09
  Speaker 4: the good guys.
• 15:10
  Speaker 2: Well done for me, good wrap from you, miss Becks.
• 15:13
  Speaker 2: I said, let's quick fire your broke tips because we
• 15:16
  Speaker 2: yapped too much about Hamilton.
• 15:18
  Speaker 5: Okay, okay, So this first one comes from Rachel, who
• 15:20
  Speaker 5: says that if you join Hoyts, it's fifteen dollars a year.
• 15:23
  Speaker 5: You can get ulimited refills, So if you go movies,
• 15:25
  Speaker 5: your refill. I know, it's not like the drink's portion
• 15:28
  Speaker 5: of the night. You wouldn't think about it. It's like,
• 15:30
  Speaker 5: I'm not going to be spending a motter on soft drink.
• 15:32
  Speaker 5: But it's just another little extra costs that you don't
• 15:36
  Speaker 5: have to worry about when you go, which I think
• 15:38
  Speaker 5: is great. And also I'm assuming with the Heutz membership
• 15:40
  Speaker 5: you get some other benefits as well, like cheap tickets
• 15:43
  Speaker 5: things like that. It comes after what I said a
• 15:45
  Speaker 5: few weeks ago about I think it was like uber
• 15:47
  Speaker 5: one or something the ticket. Yeah, really really cheap tickets,
• 15:51
  Speaker 5: free popcorn, all this kind of stuff. So that is fantastic.
• 15:54
  Speaker 5: And what they do is they just fill up an
• 15:56
  Speaker 5: empty vessel of any kind and then just keep getting
• 15:59
  Speaker 5: refills and then they go, you're soft rink for the week.
• 16:03
  Speaker 5: And the next one comes from Nat who says, this
• 16:05
  Speaker 5: is actually very very smart. You know how you get like,
• 16:08
  Speaker 5: you know your loyalty cards and you have free coffee.
• 16:10
  Speaker 5: If you use those specifically on public holidays or Sundays
• 16:14
  Speaker 5: and you're when there's like a surcharge, then you are
• 16:18
  Speaker 5: in a way saving a lot of money, because like
• 16:20
  Speaker 5: if you're using it on every other day of the week,
• 16:23
  Speaker 5: then it's just like coffee is expensive anyway, but a
• 16:26
  Speaker 5: public holiday surcharge on top of that, my god, So
• 16:30
  Speaker 5: make sure you use those, save those and use those
• 16:32
  Speaker 5: on public holidays unless you can't afford it on a day,
• 16:34
  Speaker 5: use it whatever the hell you want. So I think
• 16:36
  Speaker 5: that's so clever. My one is really really silly and dumb.
• 16:40
  Speaker 5: But I just saw my partner step with this video
• 16:42
  Speaker 5: and this girl who had this Tita sauce bottle. I'm
• 16:45
  Speaker 5: sure you guys probably have seen this, but it's like,
• 16:47
  Speaker 5: you know, when you have like tomato sauce or any
• 16:49
  Speaker 5: kind of sauce bottle, it's so unsatisfying when it's like.
• 16:52
  Speaker 2: You're shaking it.
• 16:52
  Speaker 5: You're doing that thing, were trying to get the rest
• 16:54
  Speaker 5: of it out, but it just will not come out,
• 16:57
  Speaker 5: and so you just go to chuck the whole thing out.
• 16:58
  Speaker 5: It's probably like two three, maybe four serving still left.
• 17:01
  Speaker 5: That's just coating the bottle and you're like, wow, I
• 17:05
  Speaker 5: can't get it out. I'm just going to check it out.
• 17:06
  Speaker 5: But instead, what you could do if you have limber shoulders,
• 17:09
  Speaker 5: good rotator center a fugal for yes, if you it's
• 17:13
  Speaker 5: gonna be hard to explain to people who are listening, but.
• 17:17
  Speaker 2: Say you're gonna get your arms. You're gonna go full, go, go, gadget.
• 17:20
  Speaker 5: Yeah, full three hundred and sixty. Hold the bottle at
• 17:25
  Speaker 5: the end like a bowler. Yeah, cuck a bowler.
• 17:28
  Speaker 2: Don't stop, you don't stop.
• 17:29
  Speaker 5: You hold it down and you're like going to an
• 17:33
  Speaker 5: example of.
• 17:34
  Speaker 2: This, can jump up and get it. Give you a
• 17:37
  Speaker 2: good example. It's very satisfying. You kind of like just
• 17:41
  Speaker 2: like pulling around the.
• 17:43
  Speaker 5: Bottles and it's like it's like, I don't know how
• 17:46
  Speaker 5: good it is for your rotated cuffs is what I'm
• 17:48
  Speaker 5: worried about.
• 17:49
  Speaker 2: Whenever free sauce. Yeah, and I guess you.
• 17:51
  Speaker 5: Have to do that when you're like exercising, you have
• 17:53
  Speaker 5: to like do that well with you. I can't explain it,
• 17:58
  Speaker 5: but I hope you guys understand.
• 17:59
  Speaker 2: You're not just putting a little bit of water in there,
• 18:01
  Speaker 2: shaking it up and then you storing it upside down. Okay, genius, Yes,
• 18:08
  Speaker 2: yes you do can do that too.
• 18:10
  Speaker 5: But but sometimes they're in that like glass but you
• 18:12
  Speaker 5: know a sweet and sour sauce where it's like that
• 18:14
  Speaker 5: glass bottle with that top that is like.
• 18:17
  Speaker 2: I know what you're talking. You know, it's like and
• 18:20
  Speaker 2: then I opened it.
• 18:21
  Speaker 5: It's going everywhere, going everywhere, and also it's coming out
• 18:24
  Speaker 5: as it's sat there just doing nothing because it's just
• 18:26
  Speaker 5: like it's not very what's the word thinking of, it's
• 18:29
  Speaker 5: not like sealing it properly?
• 18:31
  Speaker 2: Yes, yes, perfect.
• 18:33
  Speaker 5: So cent.
• 18:37
  Speaker 4: We're going to.
• 18:40
  Speaker 2: Centrifugal force said.
• 18:41
  Speaker 5: I will not give you any context.
• 18:44
  Speaker 2: That's me. I love that. All right, Well let's go
• 18:46
  Speaker 2: to a really quick break on the flip side. We're
• 18:48
  Speaker 2: going to be answering a money dilemma, which this week
• 18:50
  Speaker 2: is about whether you should buy a house or start investing.
• 18:53
  Speaker 2: And then something that you slid into our d ms
• 18:55
  Speaker 2: about whether it's worth uprooting your family for a job
• 18:58
  Speaker 2: that might actually just be temporary. So guys, don't go anywhere.
• 19:05
  Speaker 2: Welcome back, everybody.
• 19:06
  Speaker 4: Let's take a listen to this week's moneys dilemma.
• 19:10
  Speaker 2: Hi, there, have you got a money dilemma you just
• 19:13
  Speaker 2: can't solve That She's on the Money team is here
• 19:15
  Speaker 2: to help. Every week we tackle your dilemmas, both big
• 19:19
  Speaker 2: and small, to answer your most burning money, career and
• 19:21
  Speaker 2: life questions. To get involved, simply head to our website
• 19:25
  Speaker 2: and leave us a short voice recording and you might
• 19:27
  Speaker 2: just find yourself on the show. Now, let's take a
• 19:29
  Speaker 2: listen to this week's money dilemma.
• 19:34
  Speaker 6: Hi, She's on the Money. I had a quick question
• 19:36
  Speaker 6: I wanted to ask you. So I'm weighing up where
• 19:39
  Speaker 6: I should be trying to buy a house for where
• 19:41
  Speaker 6: RA should be trying to invest my money. So, for
• 19:43
  Speaker 6: a bit of context, I'm twenty three years old, and
• 19:45
  Speaker 6: I've just graduated from university, and I'm currently in my
• 19:48
  Speaker 6: first full time job. And while I was at Uni,
• 19:51
  Speaker 6: I was able to say about twenty thousand dollars, keeping
• 19:54
  Speaker 6: in mind that I am planning and putting some aside
• 19:56
  Speaker 6: as an emergency fund, So this would give me about
• 19:59
  Speaker 6: ten to fift grand left to play with. So obviously
• 20:03
  Speaker 6: that's not quite enough to buy a house right now,
• 20:05
  Speaker 6: and with my like a work history, but I'm wondering,
• 20:08
  Speaker 6: whoever I've be in the next one to two years
• 20:10
  Speaker 6: of full time work, I could probably say enough to
• 20:12
  Speaker 6: buy something. However, I am also wondering if investing would
• 20:16
  Speaker 6: be a smarter option, given that it's a bit more flexible.
• 20:20
  Speaker 6: It might give me a bit more room to you know,
• 20:22
  Speaker 6: move within my career and do different things. The other
• 20:26
  Speaker 6: information I think is important is that I'm hoping to
• 20:29
  Speaker 6: pursue a PhD in the next few years, so I'm
• 20:31
  Speaker 6: wondering if I should be focusing on buying a house
• 20:34
  Speaker 6: before I do that, to kind of get my foot
• 20:36
  Speaker 6: in the door before I stop having full time income.
• 20:41
  Speaker 6: So I'm also single for a bit of context, So
• 20:43
  Speaker 6: I'm making plans kind of around this at the moment,
• 20:46
  Speaker 6: and I would love your thoughts and insights.
• 20:48
  Speaker 2: Thank you so much, can or lost us? Yeah, what
• 20:52
  Speaker 2: would you guys do?
• 20:53
  Speaker 1: Well?
• 20:54
  Speaker 5: I was just gonna say, like, there's a few thoughts
• 20:56
  Speaker 5: I have as all. I feel like, if you're ready
• 20:57
  Speaker 5: to do a PhD and you won't have like a
• 20:59
  Speaker 5: full time income or like stable income, then maybe like
• 21:02
  Speaker 5: buying house, it's not a good time for that. But
• 21:04
  Speaker 5: my main question is do you want to buy a
• 21:06
  Speaker 5: house or is it like this is you should buy? Yeah,
• 21:09
  Speaker 5: like this is what society says I should do by
• 21:11
  Speaker 5: this aid blah blah blah, Like do you actually want
• 21:13
  Speaker 5: to buy a house, because if you do, then like
• 21:15
  Speaker 5: then I think Victoria would say, don't invest, it's too risky.
• 21:19
  Speaker 5: Put it in a high interest savings you haven't or
• 21:22
  Speaker 5: a term deposit, which is where you lot your money in.
• 21:25
  Speaker 2: You don't need me if you.
• 21:26
  Speaker 5: Can, actually you know what you could If you could
• 21:28
  Speaker 5: leave the whole studio, that would be nice because I
• 21:30
  Speaker 5: can take it from here.
• 21:31
  Speaker 2: But as long as you continue the Hamilton hate strong,
• 21:38
  Speaker 2: you hold that side of the fort up and I
• 21:41
  Speaker 2: don't need to know.
• 21:42
  Speaker 5: And if we're remembered for nothing else, it's that we
• 21:45
  Speaker 5: we didn't like.
• 21:46
  Speaker 2: But I never liked Hamilton.
• 21:48
  Speaker 5: Term deposit for anyone who needs context that it's just
• 21:51
  Speaker 5: like a savings account when you like lock in your
• 21:54
  Speaker 5: money for a specific amount of interest for a specific
• 21:57
  Speaker 5: amount of time, Like you can't touch it. I mean
• 21:59
  Speaker 5: you can, than there's fees, I think anyway. Anyway, So
• 22:01
  Speaker 5: like term deposit is an option if you don't trust
• 22:05
  Speaker 5: yourself to have all this money in a savings account,
• 22:07
  Speaker 5: and you're like, I can't just have it sitting there
• 22:09
  Speaker 5: because I'm going to be spending it all, So lock
• 22:11
  Speaker 5: it in somewhere where you can still access as it's
• 22:13
  Speaker 5: it's really low risk. And then when you feel ready
• 22:18
  Speaker 5: and you've saved a little bit more, then start.
• 22:20
  Speaker 2: Looking for to buy a house.
• 22:21
  Speaker 5: But if you don't actually want to buy a house,
• 22:24
  Speaker 5: and you're like, this is money that I'm happy to
• 22:27
  Speaker 5: put in shares forever, then do that. I would say, well,
• 22:33
  Speaker 5: you can do.
• 22:34
  Speaker 2: Like half half whatever. That's me.
• 22:37
  Speaker 4: Yeah, I feel like it's I mean, I personally would
• 22:40
  Speaker 4: probably invest. Like I look back and I wish that
• 22:42
  Speaker 4: I had had the literacy that you have now when
• 22:44
  Speaker 4: I was twenty three. Well done on your savings, Well
• 22:48
  Speaker 4: done on thinking so far ahead, getting in front of
• 22:50
  Speaker 4: the ball. That's absolutely incredible for it.
• 22:52
  Speaker 2: Totally.
• 22:52
  Speaker 4: I wish that I had had that knowledge and that
• 22:55
  Speaker 4: forethought when I was your age. I would say, there's
• 22:58
  Speaker 4: a lot of thing touched on. We've done a whole
• 22:59
  Speaker 4: episode actually called should I Buy a house or Should
• 23:02
  Speaker 4: I invest? I'm pretty sure I would just go listen
• 23:04
  Speaker 4: to that episode. We maybe we'll link in the show
• 23:05
  Speaker 4: notes but I think there's a lot of reflection to
• 23:08
  Speaker 4: be done on what are your goals? You know, I
• 23:10
  Speaker 4: think having your money in the share market, particularly taking
• 23:13
  Speaker 4: on that PhD, might give you a bit of flexibility.
• 23:15
  Speaker 4: I know that a PhD is already such a significant undertaking,
• 23:18
  Speaker 4: it's really stressful having mortgage repayments on top of that. Yeah,
• 23:22
  Speaker 4: that's where I was mighty a lot. Yeah, but there's
• 23:24
  Speaker 4: a lot to consider. So I would just say go
• 23:26
  Speaker 4: listen to that episode, because that's the reason we made it.
• 23:28
  Speaker 4: I feel like there's something a lot of people think about.
• 23:29
  Speaker 2: Yeah, I think it's a cliff notes well, one hundred percent.
• 23:32
  Speaker 2: I think rock in a hard place because I think backtracking.
• 23:37
  Speaker 2: If you have money in an account and it is
• 23:39
  Speaker 2: not making you money, you need to do something right now.
• 23:42
  Speaker 2: So whether that is investing, or whether that is putting
• 23:45
  Speaker 2: it in a you know, high interest savings account or
• 23:47
  Speaker 2: a term deposit, like we do not in this house.
• 23:50
  Speaker 2: We do not have money that does not make us money,
• 23:52
  Speaker 2: full stop, end of story. If you've got savings and
• 23:54
  Speaker 2: they're not working for you, you're doing something wrong in
• 23:58
  Speaker 2: saying that. Yes, it is a real big goal to
• 24:00
  Speaker 2: purchase a house. It is a really big overhead here
• 24:03
  Speaker 2: in Australia. If you do a PhD. It usually takes
• 24:07
  Speaker 2: anywhere between three and five years to complete a PhD.
• 24:10
  Speaker 2: And from my research, a PhD like you get paid
• 24:14
  Speaker 2: a stipend to do your PhD, and that is paid
• 24:17
  Speaker 2: to you because they assume that you're working so hard
• 24:19
  Speaker 2: that you can't maintain any other type of employment during
• 24:23
  Speaker 2: this research period. That amount of money, which is tax
• 24:26
  Speaker 2: free is anywhere between thirty three thousand and thirty seven
• 24:29
  Speaker 2: thousand dollars. That is not a lot of money. And
• 24:33
  Speaker 2: you're telling me, oh, I want to get a mortgage
• 24:35
  Speaker 2: in this economy and pay it off with that inc
• 24:39
  Speaker 2: I feel like you might be setting yourself up for
• 24:40
  Speaker 2: some serious, significant financial pressure. And when you're doing a PhD,
• 24:45
  Speaker 2: I'm assuming that's the last thing you want. It doesn't
• 24:48
  Speaker 2: mean you can't invest for you know, the next five
• 24:51
  Speaker 2: ten years and then buy a house later down the track.
• 24:54
  Speaker 2: I know that there seems to be a lot of
• 24:55
  Speaker 2: pressure on especially young people at the moment, to get
• 25:00
  Speaker 2: into the market as soon as possible, But the right
• 25:02
  Speaker 2: time for you to get into the market is actually
• 25:04
  Speaker 2: when it works for you, not when the market is
• 25:06
  Speaker 2: quote good because nobody can time the market. So yes, Jess,
• 25:10
  Speaker 2: great suggestion, go listen to that episode. But then also,
• 25:14
  Speaker 2: how do we make decisions if we're like, oh, I
• 25:17
  Speaker 2: don't know what I want. I need you to like
• 25:19
  Speaker 2: zoom out and look at your lifestyle, your goals, what
• 25:21
  Speaker 2: do you actually want to achieve? What's the purpose of
• 25:23
  Speaker 2: purchasing this house? Because you might go, well, be I
• 25:26
  Speaker 2: want to purchase this house while I have a full
• 25:27
  Speaker 2: time income and I'm you know, slaying it financially. I
• 25:30
  Speaker 2: then want to rent it out for that period of
• 25:32
  Speaker 2: time because I've already worked out what the rental yield
• 25:35
  Speaker 2: on that property would be. You might already have all
• 25:37
  Speaker 2: your numbers and go, well, v actually, that rental yield
• 25:40
  Speaker 2: would cover my mortgage repayments, and I'd go rent in
• 25:42
  Speaker 2: a sharehouse and keep my living costs really low while
• 25:45
  Speaker 2: doing a PhD so that I'm not financially stressed. Different story.
• 25:49
  Speaker 2: So I don't know your situation well enough to be
• 25:52
  Speaker 2: able to advise on that. And the only person, unfortunately,
• 25:56
  Speaker 2: that can answer the question of should I buy a
• 25:58
  Speaker 2: house or should I invest is you? And the only
• 26:00
  Speaker 2: way that you're going to be able to answer that
• 26:02
  Speaker 2: question is to deeply understand your values, your priority is
• 26:05
  Speaker 2: what you want to achieve, But then take the pressure
• 26:07
  Speaker 2: off timing, Like we don't need to time the market.
• 26:10
  Speaker 2: It's like people saying when should I invest? Is it
• 26:12
  Speaker 2: a good time now? Honestly, anytime is a good time.
• 26:15
  Speaker 2: Just get in. When it comes to purchasing a house, though,
• 26:18
  Speaker 2: different story, because is any time a good time? Well no,
• 26:22
  Speaker 2: if you're going to be financially hamstrung or really stressed,
• 26:25
  Speaker 2: or you're like making that situation that puts you behind,
• 26:30
  Speaker 2: is paying off your mortgage during that period of time
• 26:32
  Speaker 2: going to mean that you can't put food on the table.
• 26:34
  Speaker 2: That's a completely different conversation. So I think that there's
• 26:37
  Speaker 2: a lot let's just go back to recommending those podcast episodes, yes,
• 26:41
  Speaker 2: and we'll make sure that they're in the show notes
• 26:43
  Speaker 2: for you so you can just click them and go.
• 26:45
  Speaker 2: But for me, it would be about sorry, understanding your values,
• 26:49
  Speaker 2: what you want to achieve and what life looks like,
• 26:51
  Speaker 2: or being really realistic about what doing a PhD is
• 26:54
  Speaker 2: going to look like.
• 26:55
  Speaker 5: There you go, we got a juicy dst we do.
• 26:58
  Speaker 2: I'm glad you asked. I thought you'd never ask Jessica,
• 27:02
  Speaker 2: it's about Hamilton. So this week's DM. Hey, she's on
• 27:06
  Speaker 2: the money. I'm really torn and need your help working
• 27:08
  Speaker 2: through a bigger family career change. My partner's just been
• 27:12
  Speaker 2: offered an incredible job opportunity that's life changing, but it's
• 27:16
  Speaker 2: in a big town over an hour away from where
• 27:18
  Speaker 2: we currently live in the city. We have two kids.
• 27:21
  Speaker 2: I work full time, and if we stay here, I
• 27:23
  Speaker 2: take on a lot more of the load to cover
• 27:25
  Speaker 2: the commute, and I would have to do the big
• 27:28
  Speaker 2: commute one day week. The job would likely only be
• 27:31
  Speaker 2: for a couple of years, so I'm not sure if
• 27:33
  Speaker 2: we should move to that town. It would mean moving
• 27:36
  Speaker 2: away from family support and our kids having to change
• 27:39
  Speaker 2: school My husband wants to stay, but I think the
• 27:42
  Speaker 2: move makes more sense. I never really changed schools as
• 27:46
  Speaker 2: a kid. Is it really that bad? What would you guys?
• 27:49
  Speaker 2: Do you go? You guys? Is it just me like
• 27:53
  Speaker 2: jess you drive over an hour to work? But my
• 27:57
  Speaker 2: first thought when and I know you're not, oh, I
• 28:00
  Speaker 2: need to move to Richmond. No, And I know that I'm.
• 28:02
  Speaker 4: Like, I guess a bit of the anomaly in actually No.
• 28:05
  Speaker 4: One of the other girls in the team is quite
• 28:06
  Speaker 4: close to me, an hour to work is like.
• 28:09
  Speaker 2: A bare minimum of me and my dad did that
• 28:12
  Speaker 2: for when I was growing up. Yeah, I grew up
• 28:14
  Speaker 2: in the suburbs like that.
• 28:15
  Speaker 4: An hour commute to me is honestly nothing like to me,
• 28:18
  Speaker 4: that's just an hour. Oh that's quez Yeah, literally, I
• 28:21
  Speaker 4: had a good run to be forty five minutes dream
• 28:23
  Speaker 4: so to me when you said it's an hour away,
• 28:26
  Speaker 4: But I don't want to disregard the fact that you
• 28:28
  Speaker 4: said that that would mean you taking on a lot
• 28:30
  Speaker 4: of the additional mental load. I feel like maybe that's
• 28:33
  Speaker 4: where it's coming from. Because the commute itself an hour
• 28:36
  Speaker 4: from someone who makes it, it's neither here nor there.
• 28:39
  Speaker 2: You just build it. And I'm not saying that it's
• 28:41
  Speaker 2: super fun, but you do just build it into your day, definitely, And.
• 28:45
  Speaker 4: I understand that that means perhaps that's two hours a
• 28:47
  Speaker 4: day less help that you would get from your partner.
• 28:50
  Speaker 2: But hopefully the finances make up for it, right, because
• 28:53
  Speaker 2: otherwise it's not a good decision to take that job.
• 28:56
  Speaker 4: Yeah, I think that if I was you, I would
• 28:59
  Speaker 4: be weighing up the pros and cons, Like, I know,
• 29:01
  Speaker 4: it sounds really silly. Have you done a pros and cons.
• 29:02
  Speaker 4: This obviously a con is you would be taking on
• 29:04
  Speaker 4: more work, But what does that work look like specifically,
• 29:07
  Speaker 4: because typically, in my mind that would mean in the morning,
• 29:10
  Speaker 4: you're probably doing school drop off by yourself, lunch boxes,
• 29:14
  Speaker 4: all that sort of stuff, and in the evening you're
• 29:16
  Speaker 4: doing dinner prep, maybe bathtime depending on the kid's age,
• 29:19
  Speaker 4: that sort of stuff by yourself. A lot of people
• 29:22
  Speaker 4: do within their partnership do that because it's I think
• 29:25
  Speaker 4: like that kind of community is actually quite common. Like,
• 29:27
  Speaker 4: a lot of people have to travel at your work.
• 29:29
  Speaker 2: Is it. There's going to be so many people listening
• 29:31
  Speaker 2: to this going. I'm listening to the Shoes on the
• 29:33
  Speaker 2: Money podcast because I'm always in the car for an hour.
• 29:35
  Speaker 4: Yeah, yeah, genuinely, Like, is the whatever the work looks like?
• 29:39
  Speaker 4: I'm basing that on, Like, you know, a lot of assumptions.
• 29:41
  Speaker 4: Whatever you're believing you'll take on, is it manageable for you?
• 29:45
  Speaker 4: And if it is manageable for you, are there things
• 29:47
  Speaker 4: that you can pass off to your partner, you know,
• 29:49
  Speaker 4: when they're home on the weekend, they pick up some
• 29:51
  Speaker 4: more of the housework so that you're not doing that,
• 29:54
  Speaker 4: you know, Yeah, can you get a robot vacuum, so
• 29:56
  Speaker 4: you don't vacuum in the evenings because now you've got
• 29:58
  Speaker 4: a bit more cash, Like, are there things you can
• 29:59
  Speaker 4: do kind of counterbalance it, because I mean, I personally
• 30:03
  Speaker 4: wouldn't move for something that's only an hour away.
• 30:06
  Speaker 2: That seems how I feel like you're uprooting your house.
• 30:08
  Speaker 2: I'm thinking about property.
• 30:09
  Speaker 4: You said you're moving away from your family support, which
• 30:11
  Speaker 4: I think is probably.
• 30:12
  Speaker 5: Important with you, very important.
• 30:14
  Speaker 4: I never moved to school, so I can't really comment
• 30:16
  Speaker 4: on that. But did you move schools? Have you said
• 30:18
  Speaker 4: that I did move? I feel you're talking about I
• 30:20
  Speaker 4: did move schools.
• 30:21
  Speaker 5: We did move a fair bit. I moved schools and
• 30:23
  Speaker 5: then moved back to the.
• 30:25
  Speaker 2: Same Stuah moving schools.
• 30:26
  Speaker 5: I think it depends what age you are.
• 30:28
  Speaker 2: I have schools three times.
• 30:30
  Speaker 5: I don't know, crazy, Hey, it depends on so many things,
• 30:33
  Speaker 5: like if your friends, if your children have so many
• 30:35
  Speaker 5: friends and like they really like their classes, they really
• 30:37
  Speaker 5: like the teachers, they have a really good community there,
• 30:39
  Speaker 5: then it's like, oh, yeah, don't do that, sir. But
• 30:41
  Speaker 5: then I mean unless if you can avoid it. But
• 30:43
  Speaker 5: if you can't avoid it, then they'll be fine. Like
• 30:45
  Speaker 5: it's actually I'm sure it does help with their resilience
• 30:47
  Speaker 5: and like social skills and learning to connect with different
• 30:52
  Speaker 5: walks of life and like different people, different brains, different
• 30:54
  Speaker 5: all these things, you know what I mean. So it
• 30:56
  Speaker 5: is beneficial in some way. But yeah, if you can
• 30:58
  Speaker 5: avoid it, cool. If not cool, if it's like really
• 31:01
  Speaker 5: really hard to get there, like cause an hour in
• 31:04
  Speaker 5: a car, cool, an hour anywhere in a car, fine,
• 31:07
  Speaker 5: an hour to I don't know, it's not an hour
• 31:10
  Speaker 5: to Beller, right, but say it is. It's like, god,
• 31:12
  Speaker 5: that's like probably twenty buses, you know what I mean, Like,
• 31:15
  Speaker 5: what does the commute look like? Maybe that is actually
• 31:17
  Speaker 5: really war tricky, which is so fair. But I'm also thinking,
• 31:21
  Speaker 5: like the commute currently, if it took me an hour
• 31:25
  Speaker 5: to get here, that's only twenty six more minutes than usual,
• 31:30
  Speaker 5: you know what I mean, And it's like, god, an hour.
• 31:32
  Speaker 5: That's no, I'm not going to do that, but it's
• 31:34
  Speaker 5: like only a little bit more than what I'm doing
• 31:37
  Speaker 5: right now, So it's like just add that much time?
• 31:40
  Speaker 5: Or is it like to feel really really crazy because
• 31:43
  Speaker 5: hearing it or seeing it in that way is like
• 31:46
  Speaker 5: it feels like too much to bear but like I
• 31:48
  Speaker 5: think if it worked.
• 31:49
  Speaker 4: Locally and works fifteen minutes away.
• 31:51
  Speaker 5: And yeah, it's like an extra forty five minutes, but
• 31:53
  Speaker 5: it's like you think of it as an hour and
• 31:55
  Speaker 5: you're like, my god, that's crazy.
• 31:57
  Speaker 2: So maybe like frame it that way.
• 31:58
  Speaker 5: I don't know, but I yeah, I would also say
• 32:01
  Speaker 5: like if it is temporary or potentially.
• 32:07
  Speaker 2: Just like whatever, nothing's permanent talking about this, I just
• 32:11
  Speaker 2: feel like, you know, you wrote in you said it
• 32:14
  Speaker 2: was a life changing job opportunity, right, so I'm assuming
• 32:18
  Speaker 2: that that means significant financial remuneration and can like in
• 32:22
  Speaker 2: comparison to what you currently have, and you know, if
• 32:25
  Speaker 2: it's only going to be short lived, like, can we
• 32:28
  Speaker 2: not have the mindset of yet it's going to be hard.
• 32:30
  Speaker 2: Like I'm not trying to make this sound easier, but
• 32:32
  Speaker 2: like for the next few years, we get a lock in,
• 32:35
  Speaker 2: we are going to do this.
• 32:37
  Speaker 1: You know.
• 32:37
  Speaker 2: My compromise is that I'm going to have to spend
• 32:40
  Speaker 2: more time at home because my husband's going to go
• 32:42
  Speaker 2: out make big bank. But we've got this cash flow
• 32:44
  Speaker 2: plan that means that in the three years that he's
• 32:47
  Speaker 2: going to you know, have this job, we are going
• 32:49
  Speaker 2: to be in such a better financial situation that we're
• 32:52
  Speaker 2: on the same page about it being worth it, And
• 32:54
  Speaker 2: like Jess you said before, like you know, if you
• 32:57
  Speaker 2: have a bit more free money, you could buy like
• 32:58
  Speaker 2: a robot vacuum. In my I was like, okay, cool,
• 33:01
  Speaker 2: Let's say that my husband gets this job opportunity of
• 33:04
  Speaker 2: a lifetime, which is what you're saying it is, and
• 33:07
  Speaker 2: he's going to earn double what he's currently earning. I
• 33:10
  Speaker 2: don't think it would be beyond the scope of what's
• 33:12
  Speaker 2: reasonable to go. Okay, cool, Yeah, we are maybe financially
• 33:16
  Speaker 2: a little bit pressed, but let's spend one hundred and
• 33:19
  Speaker 2: fifty bucks a week on a cleaner that comes in
• 33:22
  Speaker 2: every week, maybe every Friday, so that you're not spending
• 33:25
  Speaker 2: any time on the weekend's cleaning. Like, yes, you might
• 33:29
  Speaker 2: do the day to day stuff, but like someone comes
• 33:31
  Speaker 2: in and I'm trying to sell you on this, they
• 33:33
  Speaker 2: do your bathrooms, They you know, change the sheets of
• 33:36
  Speaker 2: the kids' beds, they change your bed they do the
• 33:39
  Speaker 2: whole hog. Right, Maybe you find someone who's a bit
• 33:42
  Speaker 2: cheap because they take cash, Like I just find what
• 33:44
  Speaker 2: works for you. But that might be an investment in
• 33:47
  Speaker 2: your mental health, so you don't have to do any
• 33:48
  Speaker 2: of that. Then when the weekend comes and your husband
• 33:50
  Speaker 2: is home, you're spending really good quality family time together.
• 33:53
  Speaker 2: But you're not trying to find time during the week
• 33:55
  Speaker 2: either to do the sheets and we'll in it and
• 33:58
  Speaker 2: like maybe you're like, oh my goodness, the bathroom some
• 34:00
  Speaker 2: intouched in weeks and that can genuinely wake quite heavily
• 34:04
  Speaker 2: on you mentally. So I feel like, what compromises could
• 34:08
  Speaker 2: you be making? And this again is probably me talking.
• 34:12
  Speaker 2: You've got more cash flow, you're financially a little bit
• 34:14
  Speaker 2: more comfortable instead of having to do the grocery shopping
• 34:17
  Speaker 2: every single week. Are we looking at a food delivery
• 34:20
  Speaker 2: service like Marley's Boon where you can have dinner four
• 34:23
  Speaker 2: nights a week. It's in the fridge, it's ready to cook.
• 34:25
  Speaker 2: So you just do school, pick up, come home and
• 34:28
  Speaker 2: start prepping dinner. There's no lack that overwhelming Oh my goodness,
• 34:31
  Speaker 2: I don't know what I'm going to cook for dinner.
• 34:33
  Speaker 2: I have to go to the super market. That like
• 34:35
  Speaker 2: mad rush, Like you're running around like a chicken without
• 34:37
  Speaker 2: a head after school, Like what can we do to
• 34:39
  Speaker 2: set ourselves up for success? Because I'm kind of I'm
• 34:43
  Speaker 2: on the same team. I just think that if it's
• 34:45
  Speaker 2: an hour away, we don't need to uproot our whole lives,
• 34:48
  Speaker 2: especially if your family is there. We're not moving away
• 34:50
  Speaker 2: from them. But what things could we spend a bit
• 34:52
  Speaker 2: of money on so that it feels really comfortable during
• 34:55
  Speaker 2: that period of time. Or are we just trying to
• 34:58
  Speaker 2: change our mindset so that we're like, all right, we're
• 35:01
  Speaker 2: locking in for three years. It's going to be a
• 35:03
  Speaker 2: bit of a hard hog, but like, look how much
• 35:05
  Speaker 2: better off we're going to be. And everyone's just on
• 35:07
  Speaker 2: the same page. Yeah, Like what does that look like?
• 35:10
  Speaker 2: Did everyone else say when we ask? Oh my goodness,
• 35:12
  Speaker 2: so many opinions. So first thing we asked is if
• 35:15
  Speaker 2: you were our community member, would you say or move?
• 35:17
  Speaker 2: Fifty three percent of you said move. It's more sustainable. Surprising,
• 35:21
  Speaker 2: I mean sustainability. I guess it's good.
• 35:23
  Speaker 4: But they can hatch the train if that's an option,
• 35:25
  Speaker 4: potentially public trainsport.
• 35:27
  Speaker 5: And then you can do two things at once. If
• 35:29
  Speaker 5: you are like I'm to your more of the mental load. Know,
• 35:31
  Speaker 5: if your partner is seeing the train every day, they
• 35:33
  Speaker 5: do all the adamint on the train.
• 35:35
  Speaker 2: A friend who lives in Ballarat and commutes to the
• 35:37
  Speaker 2: city every day and has negotiated in their contract that
• 35:40
  Speaker 2: they actually get a nine a m train because there's
• 35:43
  Speaker 2: less like people on there because it's like a V line,
• 35:46
  Speaker 2: which is more of a regional train, so you're guaranteed
• 35:48
  Speaker 2: a spot. Basically, they work for the hour on the
• 35:51
  Speaker 2: train on the way there, and they've negotiated with their
• 35:54
  Speaker 2: boss that that's in their working time, So they leave
• 35:56
  Speaker 2: at four pm and they arrive technically at the office
• 35:59
  Speaker 2: at ten am, but they've already done like the two hours,
• 36:02
  Speaker 2: so their commute time is Actually, that's great genius, right,
• 36:06
  Speaker 2: that's great.
• 36:06
  Speaker 5: I think I should be.
• 36:07
  Speaker 2: Regional trains have Wi Fi and stuff, so they're fine.
• 36:10
  Speaker 2: But like, isn't that smart? So yeah, forty seven percent
• 36:14
  Speaker 2: of you said you'd stay and not uproot the kids.
• 36:16
  Speaker 2: I feel like we're all like, just stay. I was
• 36:18
  Speaker 2: surprised with that split. I thought way more of you
• 36:20
  Speaker 2: would say, like, stay, but that's okay. Have you or
• 36:23
  Speaker 2: your kids ever had to move school because of a
• 36:25
  Speaker 2: parent's job. Forty six percent said no, we never had
• 36:28
  Speaker 2: to consider it. Thirty percent said yep, and it was fine.
• 36:31
  Speaker 2: Thirteen percent said no, but a parent did the commute
• 36:34
  Speaker 2: and eleven percent said yes, and it was a struggle. Okay,
• 36:37
  Speaker 2: interesting spread. I moved schools three times. Strug did you
• 36:41
  Speaker 2: find it? I think because it was relatively early primary school,
• 36:45
  Speaker 2: it wasn't as dramatic as it would have been if
• 36:47
  Speaker 2: it was high school. I think in high school I
• 36:49
  Speaker 2: would have been very upset to lose my friends. But
• 36:52
  Speaker 2: when I was little, like making friends when you're like
• 36:54
  Speaker 2: six seven eight is not as hard as teenagers. Yeah,
• 36:58
  Speaker 2: And I mean we were moving stay so first we
• 37:01
  Speaker 2: were like in Lancestern, and then we moved to a
• 37:03
  Speaker 2: place called Sister's Beach in Tasmania. And then from Sister's
• 37:07
  Speaker 2: Beach we moved over to Melbourne and then you know,
• 37:09
  Speaker 2: found a primary school there. But I do remember my
• 37:12
  Speaker 2: friends from each location, but I don't remember it being
• 37:16
  Speaker 2: super traumatic. I think my parents worked really hard to
• 37:19
  Speaker 2: make it as easy as possible, like as exciting as possible. Yeah,
• 37:22
  Speaker 2: I I don't remember being like, oh my god, like
• 37:25
  Speaker 2: this is the worst decision ever. I do remember not
• 37:27
  Speaker 2: wanting to leave the school because I had my little friends,
• 37:29
  Speaker 2: but like mom was like, oh, we'll come back to Tasmania,
• 37:32
  Speaker 2: We'll do this or you can keep in touch. And
• 37:34
  Speaker 2: I mean my best friend Harriet lived in Tasmania all
• 37:37
  Speaker 2: through school. Still best friends. Yeah, like that hasn't really changed.
• 37:41
  Speaker 4: Yeah.
• 37:42
  Speaker 2: We then went to the community and we said what
• 37:44
  Speaker 2: is your two cents? So first person said, smaller towns
• 37:47
  Speaker 2: often have a stronger community, for example, like sports to
• 37:50
  Speaker 2: keep kids connected. Next person said, my dad was constantly away,
• 37:55
  Speaker 2: but we never had to move. In retrospect, my mum
• 37:57
  Speaker 2: probably had the hardest time.
• 37:59
  Speaker 5: Yeah.
• 38:00
  Speaker 2: Next person said, moving a kid in primary schools much
• 38:03
  Speaker 2: easier on them than high school, which is exactly what
• 38:06
  Speaker 2: I said. I moved schools a few times. It was
• 38:08
  Speaker 2: absolutely fine, And unhappy marriage and unhappy parents is definitely
• 38:12
  Speaker 2: worse than moving schools.
• 38:14
  Speaker 4: I mean, that's a good point. It's a good pointing
• 38:16
  Speaker 4: to weigh heavily on you. Then that's something you've got
• 38:18
  Speaker 4: to consider to Yeah.
• 38:19
  Speaker 2: Someone else said, we did it, and we're currently doing it.
• 38:22
  Speaker 2: It turned out to be a better lifestyle for us,
• 38:24
  Speaker 2: and we ended up staying. Next person said, teacher here
• 38:28
  Speaker 2: a fresh start does wonders for kids. They learn to
• 38:30
  Speaker 2: build relationships over time. Yes, so you were saying, Another
• 38:34
  Speaker 2: person said, and I'm only going to give you a
• 38:35
  Speaker 2: couple more. The commute has one of the biggest effects
• 38:38
  Speaker 2: on overall happiness, which I think is why you know, Beck,
• 38:40
  Speaker 2: you were saying before, like what could you do during
• 38:42
  Speaker 2: that time, Like if they'd a way that you could
• 38:44
  Speaker 2: make that commute not so old destroying. Someone else said
• 38:47
  Speaker 2: this was me and I actually ended up asking to
• 38:49
  Speaker 2: change schools over having to commute. And then the last
• 38:53
  Speaker 2: person said, I'm a former army brat. Kids are very
• 38:56
  Speaker 2: resilient and we'll make new friends and settle into a
• 38:59
  Speaker 2: new school easily.
• 39:00
  Speaker 5: There you go, really change, I've really gone one eighty.
• 39:03
  Speaker 2: I'm like, you can.
• 39:04
  Speaker 5: They should move because yeah, because it's like if you're
• 39:05
  Speaker 5: an hour away from your family, that's not too far.
• 39:11
  Speaker 2: Family support. Like and I'm just like making this up
• 39:14
  Speaker 2: in my head at this point, but like if you're saying, oh,
• 39:16
  Speaker 2: we don't want to be far away from family support,
• 39:18
  Speaker 2: like there's nothing like being able to pick up a
• 39:20
  Speaker 2: phone and be like, hey, Mom, I'm struggling with the kids.
• 39:22
  Speaker 2: Can you come over and help after school? Like that's
• 39:24
  Speaker 2: not as possible if you're asking your mum or whatever
• 39:27
  Speaker 2: to drive an hour for that. So yeah, I don't
• 39:30
  Speaker 2: I feel like you just have to do what Jess said.
• 39:32
  Speaker 2: Have you done a pros and cons? Lest We love
• 39:34
  Speaker 2: a pros and cons? We absolutely do. All right. Well,
• 39:37
  Speaker 2: unfortunately that is all we have time for today. That
• 39:39
  Speaker 2: is all from us, and we hope you have a
• 39:41
  Speaker 2: beautiful weekend and we'll see right nearly on Monday. For
• 39:43
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• 39:54
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