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MONEY DIARIES: The 29 Year old who has paid off her house! · She's On The Money

0:00
Speaker 1: She's on the Money.
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Speaker 2: She's on the Money. Hello and welcome to She's on
0:20
Speaker 2: the Money, the podcast for millennials who want financial freedom.
0:24
Speaker 2: My name is Victoria Devine. I'm a financial advisor, a'm millennial,
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Speaker 2: and a woman who is wildly passionate about all things finance.
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Speaker 2: In this Money Darry's episode, you'll hear how it just
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Speaker 2: twenty nine years of age, one of our community members
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Speaker 2: has paid off her entire home, despite being on completely
0:39
Speaker 2: different pages when it comes to all things finance with
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Speaker 2: her partner. All right, Ryan, you got an email earlier
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Speaker 2: this week. Do you want to read that one out
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Speaker 2: for us?
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Speaker 3: I'm a twenty nine year old high income health professional.
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Speaker 3: My partner and I have just paid off our first home,
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Speaker 3: paid it off, paid it off, and I'm looking to
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Speaker 3: buy our first investment property. I also just paid off
1:00
Speaker 3: my HEX and I'm officially debt free in twenty twenty.
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Speaker 2: One, at twenty nine years old.
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Speaker 1: It's actually insane.
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Speaker 3: When I finished university six years ago, I was in
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Speaker 3: forty thousand dollars of consumer debt and I had just
1:12
Speaker 3: seven dollars in my account and no family financial support.
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Speaker 2: That wouldn't have even included her HEX steck No.
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Speaker 3: I was brought up on welfare payments and come from
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Speaker 3: a very low socioeconomic home, and I had absolutely no
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Speaker 3: financial literacy. It's been a tough but rewarding six years.
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Speaker 3: My personal net worth has gone from negative one hundred
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Speaker 3: thousand to now positive two hundred and fifty thousand in
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Speaker 3: six years.
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Speaker 2: I love her. Can we hear a story?
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Speaker 1: Do you love her? I hate her. It makes me
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Speaker 1: feel like I've nothing with my life.
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Speaker 2: I know what a queen.
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Speaker 1: She's so inspirational, it's actually unbelievable. Let's give her a call.
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Speaker 4: Hello speaking Hello, is.
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Speaker 1: This the twenty nine year old who's paid off her
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Speaker 1: own house?
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Speaker 5: Yeah?
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Speaker 1: Yeah, Oh my god, thanks for joining us on the podcast.
2:03
Speaker 4: Oh thank you, Caitlyn.
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Speaker 1: So yeah, I'm Ryan. We've got Victoria Devine here as well.
2:06
Speaker 2: Hello, friend, how are you?
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Speaker 4: I'm good? Thank you.
2:10
Speaker 2: I am so glad to hear. And we've also got
2:12
Speaker 2: Jess who has just started it. Shee'ese on the Money
2:15
Speaker 2: and we just thought would make this a group thing
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Speaker 2: because your story was so cool. So let's start from
2:21
Speaker 2: the top. What is your relationship with money being like
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Speaker 2: in the past, I it.
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Speaker 5: Has been a horrible I was a big subscriber to
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Speaker 5: money stories that I was bad with money and I
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Speaker 5: was hopeless with money, and that was the general thought
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Speaker 5: process of my friends and family.
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Speaker 4: So it's, yeah, a really bad relationship with money in
2:44
Speaker 4: the past.
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Speaker 2: And what do you now do for work?
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Speaker 4: I'm a high income health professional.
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Speaker 2: So without being too pervy, while still being totally pervy,
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Speaker 2: can you tell us how much you earn now and
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Speaker 2: how much is currently in your bank account?
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Speaker 4: Well, I it can be anywhere between like two twenty
3:02
Speaker 4: to two fifty or so, depending on the year. And
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Speaker 4: at the moment, I actually only have thirteen hundred dollars.
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Speaker 2: I mean, that's still a good amount of money for
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Speaker 2: a twenty nine hour to have in their accounts. So
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Speaker 2: it wouldn't be too down about that.
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Speaker 4: One my friend speak about anxiety. That's the girl saying
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Speaker 4: the house off last month and I'm not being paid yet, So.
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Speaker 2: I totally get that. And what is your attitude to
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Speaker 2: money and what is currently your big money goal.
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Speaker 4: My attitude to money now, and it's been a big
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Speaker 4: mind shift, is that it can give me choices, and
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Speaker 4: they need to be scared of it, and I'm allowed
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Speaker 4: to enjoy it. And with those life goals. I'm really
3:44
Speaker 4: just working forwards that inclomb and the freedom of choice
3:49
Speaker 4: with no no need to rely on my income.
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Speaker 2: What is your attitude to investing and do you currently
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Speaker 2: have any investments?
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Speaker 4: So my attitude investing has changed a lot this year
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Speaker 4: because I've just increased my knowledge and read a few books.
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Speaker 4: So I'm really into the idea of having some passage income,
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Speaker 4: and I've invested some money in the stock market, and
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Speaker 4: I'm looking towards getting a investment property. But I'm not
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Speaker 4: really very knowledgeable, so I'm still just increasing my knowledge
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Speaker 4: on the topic.
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Speaker 2: So what debts do you currently have?
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Speaker 4: I currently have no debt.
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Speaker 1: Yha best answer.
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Speaker 2: And what is your best money habit?
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Speaker 4: My best money habit is now paying myself first and
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Speaker 4: automating any bills and things. I have been really bad
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Speaker 4: with buying lots of clothes and just throwing money away
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Speaker 4: because it just burnt a hole in my pocket in
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Speaker 4: the past, but now I'm better at letting it sit
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Speaker 4: there and not being concerned about it slip side.
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Speaker 2: What is your worst money habit?
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Speaker 4: Well, now, after the last couple of years of being
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Speaker 4: a pretty hardcore saver, I have gone into more extreme
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Speaker 4: measures about savings and a little little bit of anxiety
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Speaker 4: around like buying clothes at a full price or going
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Speaker 4: out for fancy meals. I used to enjoy that stuff
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Speaker 4: so much, but now, given like such a good change
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Speaker 4: in thought process over the last couple of years, I'm
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Speaker 4: not as free with it as I was.
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Speaker 1: Do that makes sense it?
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Speaker 4: But yeah, I mean in the past, I used to
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Speaker 4: be shocking with buying like exercise workouts, not even gear,
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Speaker 4: like plans that I never followed, and I never used
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Speaker 4: to buy anything and truly have the like get the
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Speaker 4: full value out of anything. I used to just be
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Speaker 4: like I buy all the skincare and not worry about it,
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Speaker 4: And now so much more conscious of everything.
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Speaker 2: And what grade would you give your money habits if
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Speaker 2: we forced you to give yourself a grade?
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Speaker 4: Like maybe?
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Speaker 1: And what would it take to get to an A plus?
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Speaker 4: I think if I really still need to work on
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Speaker 4: my cash flow and just having more automation, like more
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Speaker 4: automation in terms of investments, really think about an investment
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Speaker 4: copy without paying me, that would make me an A plus.
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Speaker 4: I feel like I feel like, well, actually I feel
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Speaker 4: like I'd be an A plus if I had a
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Speaker 4: passage income that covered all my expenses. But that's a
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Speaker 4: little while off yet.
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Speaker 3: All right, we quickly need to get a quick message
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Speaker 3: in for the sponsors. However, I'm just going to put
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Speaker 3: it out there the fact that someone at twenty nine
6:31
Speaker 3: years of age who's paid off their own house didn't
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Speaker 3: instantly give them an a plus.
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Speaker 1: Is I'm really mind.
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Speaker 2: I'm sorry, that's just the most unrelatable thing to me.
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Speaker 2: I'm not gonna lie, but I'm wildly proud of you.
6:42
Speaker 2: So I think it's envy. I think that like it's
6:45
Speaker 2: envy coming from me. But more questions after a word
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Speaker 2: from our sponsors.
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Speaker 3: All right, So I just heard all the details from
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Speaker 3: the twenty nine year old who's paid off her own house.
7:00
Speaker 1: It's still on the phone. Thanks for sticking around.
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Speaker 2: Oh my gosh, you are so cool. I cannot wrap
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Speaker 2: my head around how much you've achieved in such a
7:08
Speaker 2: short period of time.
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Speaker 4: Thank you.
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Speaker 2: So I do have to be a bit pervy, and
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Speaker 2: I'm sure that everybody listening is going to have this
7:17
Speaker 2: question as well. Can you tell me a little bit
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Speaker 2: about how you've managed to pay off your entire home
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Speaker 2: in the last few years, given you started in personal.
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Speaker 4: Debt, Well, I must credit my partner because he has
7:31
Speaker 4: always been excellent with money. We made choices at the
7:35
Speaker 4: start that I was a little bit disappointed in. We
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Speaker 4: bought a cheaper house because he thought it was more sensible.
7:40
Speaker 4: And it took me a while to get around that
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Speaker 4: idea of paying off the house because I just didn't
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Speaker 4: know anyone who hadn't. Didn't really single as possible. But
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Speaker 4: then we just broke it down year by year and
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Speaker 4: work through what it meant for us because we could
7:54
Speaker 4: think about the sacrifice which to make what we could
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Speaker 4: think about or it meant after it had been paid off.
8:00
Speaker 3: Well, So I got a question for both yourself and
8:03
Speaker 3: Victoria as well. Obviously, your ability to save and you're
8:06
Speaker 3: earning a great income is really impressive. Did you ever
8:10
Speaker 3: consider just paying the minimum amounts and saving the money
8:13
Speaker 3: for something else? Or because I know a lot of
8:16
Speaker 3: people wouldn't think to pay off the house first, they'd
8:18
Speaker 3: be paying that off slowly as they started investing in
8:21
Speaker 3: other areas and stuff like that.
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Speaker 1: Was that a decision that you guys had to make.
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Speaker 4: Actually, we sat down and we did the mask like
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Speaker 4: a couple of months ago. If we had to put
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Speaker 4: the money that we had as a deposit into the
8:32
Speaker 4: stock market versus us purchasing our current house. It ended
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Speaker 4: up working out very well for us, and that put
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Speaker 4: me at ease because I did have those very thoughts
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Speaker 4: when I was then like learning more about investments. So
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Speaker 4: I was thinking, we did we make the wrong decision
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Speaker 4: had we not been most financially sensible. But then at
8:52
Speaker 4: the same time, I know us both well, and we'd
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Speaker 4: probably saved more because we knew that we wanted to
8:58
Speaker 4: reduce our liability and we knew we didn't want to
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Speaker 4: pay in purse on something. For a long time, it
9:03
Speaker 4: was just a pretty one track mind of just getting
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Speaker 4: it down. Especially with interest rates being so low, it
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Speaker 4: just felt, when are we ever going to be able
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Speaker 4: to own a house for so little interest?
9:14
Speaker 1: Yeah, just smash it out.
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Speaker 3: So, yeah, V, what's your thoughts on that, because obviously
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Speaker 3: it's each to their own and there's all these different
9:19
Speaker 3: ways to go about it. Yeah, what would you say
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Speaker 3: if someone was getting advice in that situation.
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Speaker 2: I'd say exactly that it is absolutely each to their own.
9:27
Speaker 2: But at the same time, it sounds like you've been
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Speaker 2: pretty savvy when it comes to making sure that was
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Speaker 2: the right decision from you, and I think it's a
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Speaker 2: decision that not many high income health professionals would make,
9:37
Speaker 2: to be honest, because often you see people trying to
9:40
Speaker 2: buy property in line with their incomes, and it sounds
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Speaker 2: like you've bought a property that was actually just really
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Speaker 2: reasonable to be able to pay off together in a
9:47
Speaker 2: shorter period of time, instead of putting yourselves in debt
9:50
Speaker 2: up to your eyeballs and having like a one point
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Speaker 2: five million dollar mortgage which is obviously not able to
9:54
Speaker 2: be paid off. So I think it sounds like you've
9:56
Speaker 2: made the right decisions for you. But again, it's going
9:58
Speaker 2: to be different for everybody, And I kind of like
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Speaker 2: that you guys have sat down and worked out what
10:02
Speaker 2: the best outcome was for you, and I liked it. Ryan,
10:05
Speaker 2: you asked that just purely because so many people listening
10:07
Speaker 2: might be like, oh, well, she should have invested, and
10:09
Speaker 2: it's like, well, actually, for some people, and this is
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Speaker 2: not a good thing. It's also not a bad thing.
10:15
Speaker 2: But for some people, a house kind of becomes forced
10:17
Speaker 2: savings for a lot of people who don't have, you know,
10:20
Speaker 2: the ability to save, and they might not be as
10:22
Speaker 2: good at money. The second you've got a property. It's
10:24
Speaker 2: a lot bigg of a responsibility, and you do feel
10:27
Speaker 2: like you need to contribute more to it. And I
10:28
Speaker 2: think that that's, you know, a good thing for some
10:30
Speaker 2: people in some circumstances as well.
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Speaker 1: I like that you sat down and worked it out.
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Speaker 3: I would just sit around forever wondering what if and
10:37
Speaker 3: never think to whip out the Excel spreadsheet and find
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Speaker 3: out for myself.
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Speaker 4: Block market didn't do that well over the last five years.
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Speaker 1: Yeah, I didn't go through a pandemic in the house.
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Speaker 2: I mean, I mean were meant to be investing for
10:51
Speaker 2: the long term, so she'd not have been investing for
10:54
Speaker 2: only five years. But that is a story for another day.
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Speaker 2: My friends.
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Speaker 1: My next question and V. I don't know if everyone
11:01
Speaker 1: knows this.
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Speaker 3: Victoria has a degree in psychology, so I'm also interested
11:04
Speaker 3: to get your thoughts.
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Speaker 1: And this is two two degrees in psychology. Someone mistake.
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Speaker 3: Could you believe I got that right when you said
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Speaker 3: you'd sort of in inverted commas, decided that you weren't
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Speaker 3: good with money, and then at some stage decided that
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Speaker 3: you could be. Was there something specific that changed besides
11:25
Speaker 3: just educating yourself and doing it, Because I think a
11:27
Speaker 3: lot of people have this assumption that I know, people
11:30
Speaker 3: like me don't earn money like that, and it's just
11:32
Speaker 3: sort of built in.
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Speaker 2: What was the tipping point for you?
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Speaker 4: Well, because when I first graduated UNI, I was in
11:39
Speaker 4: like forty thousand dollars consumer debt and I didn't even
11:44
Speaker 4: really know what interest was. I sat down and I
11:48
Speaker 4: looked at how much interest I was playing a mom
11:50
Speaker 4: and realized what it actually meant for me. So I
11:54
Speaker 4: really had to take an overhaul and look at all
11:56
Speaker 4: the necessities of my life and figure out why why
12:00
Speaker 4: I was spending the money like I was. It was
12:02
Speaker 4: really really strange because it kind of resocial whole identity
12:05
Speaker 4: because you're like, why do I feel the need to
12:07
Speaker 4: buy so many clothes every week? Or why do I
12:09
Speaker 4: feel the need to do these things? It was almost
12:12
Speaker 4: like a habit, and I didn't realize that it was
12:14
Speaker 4: a habit that I could break and then that I
12:16
Speaker 4: could improve and then I could succeed in it. And
12:19
Speaker 4: it was paying off that debt and really getting that
12:22
Speaker 4: down that made me realize that I could be a
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Speaker 4: lot better with the money.
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Speaker 3: So the I see you nodding, I know when you
12:28
Speaker 3: do or did the hour of power, and you get
12:30
Speaker 3: people do their cash flow and budgeting. Short course, the
12:32
Speaker 3: first thing you do is to figure out where their
12:33
Speaker 3: money is. Is this something that everyone does, Is they
12:36
Speaker 3: finally figure out where their money's actually going and go,
12:39
Speaker 3: oh my god, I think so.
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Speaker 2: And I think it's something that you know, you can say,
12:43
Speaker 2: set goals, and you can say do all of this
12:46
Speaker 2: fancy stuff, but at the end of the day, it's
12:48
Speaker 2: actually about your story and your journey and where you've
12:50
Speaker 2: been and reflecting on that and kind of questioning, well,
12:52
Speaker 2: why do I make these decisions around money? And why
12:54
Speaker 2: do I, you know, want to spend money or makeup
12:57
Speaker 2: and clothes and choose Is it because I love them?
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Speaker 2: Or is just out of habit? And I think that
13:01
Speaker 2: once you're faced with the truth of why, you can
13:04
Speaker 2: actually put yourself in a position where you are much
13:06
Speaker 2: more confident changing a story because you can see a
13:09
Speaker 2: pathway forward, and if you don't know where you're starting,
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Speaker 2: it's really hard to see where you want to be
13:14
Speaker 2: as well.
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Speaker 3: Twenty nine, it feels weird just talking to you and
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Speaker 3: calling you. Take twenty nine year old who's paid off
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Speaker 3: for own house.
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Speaker 1: You mentioned that you.
13:20
Speaker 2: Jeels really objectified. I'm sorry about that.
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Speaker 3: You said that you start to feel guilty now about
13:29
Speaker 3: sort of treating yourself for spending money because you think, oh,
13:32
Speaker 3: that's how I used to be and that's not how
13:33
Speaker 3: I am now. But I know it's easy for me
13:36
Speaker 3: to say because I don't earn that sort of money.
13:37
Speaker 3: But I would have assumed that someone who's earning over
13:40
Speaker 3: two hundred grand a year should maybe be allowed to
13:43
Speaker 3: have a nice dinner out once in.
13:44
Speaker 1: A while and be able to enjoy the money that
13:47
Speaker 1: they're earning.
13:48
Speaker 2: So are you just to correct you there? Everyone deserves that, right.
13:51
Speaker 1: Well, that's what sort of getting it?
13:54
Speaker 3: Have you tried to find a balance between I want
13:56
Speaker 3: to be a savvy savior, but I also.
13:58
Speaker 2: You know, want to live my best life.
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Speaker 3: I'm glad you said that and I didn't have to do. Yeah,
14:02
Speaker 3: where are you at with trying to figure that out?
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Speaker 4: I think, post pandemic and post paying off this milestone,
14:08
Speaker 4: we're getting better at it. And it's my partner. He
14:12
Speaker 4: doesn't align with those values. So it's us coming together
14:16
Speaker 4: and having a nice dinner. What's looks like for you,
14:19
Speaker 4: like a really nice dinner and then just enjoying things
14:22
Speaker 4: within balance and moderation for us. Yeah, I think it's
14:26
Speaker 4: just something that we've kind of been lucky with the
14:28
Speaker 4: pandemic for the last few months, but we haven't had.
14:30
Speaker 2: To haven't had those conversations. Yeah, been an option. How
14:35
Speaker 2: do you how do you deal with that having different
14:37
Speaker 2: financial values with your partner.
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Speaker 4: That was the biggest challenge for the whole way through,
14:43
Speaker 4: because he's always been a one track mind and very
14:47
Speaker 4: dedicated to it, where As I could see all the
14:49
Speaker 4: other possibilities if we didn't make this choice.
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Speaker 3: I like that you said dedicated and not stubborn.
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Speaker 1: She's just dedicated.
15:00
Speaker 2: Yeah, she's just dedicated. She's definitely not stubborn and controlling.
15:05
Speaker 1: But you you seem to have been have found or
15:08
Speaker 1: are finding it a bit of a happy medium.
15:10
Speaker 4: Yeah. Absolutely, Yeah, and that's where he has enjoyed enjoyed
15:15
Speaker 4: a life of being quite frugal but having lots of
15:19
Speaker 4: opportunities come his way. So for him to understand what
15:23
Speaker 4: money means to other people has been very helpful because
15:27
Speaker 4: also just like travel and everything like that, or wanting
15:31
Speaker 4: to purchase things and no real good reason other than
15:34
Speaker 4: wanting it has they're really big discussions in our household
15:38
Speaker 4: and like about what they mean to us. And he
15:40
Speaker 4: knows that I work hards. I think he's fine about it,
15:42
Speaker 4: he just doesn't subscribe to it. So it's interesting living
15:46
Speaker 4: with someone who has got that completely different mindset about money.
15:51
Speaker 4: They've got they've got no scarcy about it, but they
15:54
Speaker 4: don't think about it in abundance either.
15:56
Speaker 2: Yeah, that's really interesting. So what does the future look
15:59
Speaker 2: like for you guys?
16:00
Speaker 4: Like I don't think we need to do anything drastic.
16:02
Speaker 4: We can just keep tripping away the savings we would
16:05
Speaker 4: have putting into the mortgage, we can just put that
16:08
Speaker 4: into looking at investments. And it's weird because, like, I'm
16:11
Speaker 4: doing my job a lot more now that I know
16:13
Speaker 4: that I don't have to work to survive and get
16:16
Speaker 4: a home.
16:16
Speaker 1: Well, you can do what you want with your time
16:18
Speaker 1: rather than what you have to.
16:20
Speaker 5: Is that kind of Yeah?
16:21
Speaker 4: Well, I mean, like already I've been able to just
16:24
Speaker 4: go from working six days a week to four days
16:26
Speaker 4: a week, So that has had a huge shift in
16:30
Speaker 4: just my general life and being able to focus on
16:32
Speaker 4: like health and other pleasures in life. Working and my
16:37
Speaker 4: health suffered and my mental health suffered.
16:39
Speaker 2: But yeah, that is honest, yeah, and so cool. I
16:45
Speaker 2: cannot believe it. In fact, it's making me question whether
16:48
Speaker 2: what I'm doing is the right thing. Obviously I love it.
16:52
Speaker 2: Victoria is being not that financially free.
16:54
Speaker 3: Well, one of your big things be is try not
16:56
Speaker 3: to compare yourself with others. And we're both sitting here
16:58
Speaker 3: shaking our heads, going, how has this girl pulled it off?
17:01
Speaker 3: And look at us suckers in here?
17:02
Speaker 2: Oh my gosh, I know, right, And I think the
17:05
Speaker 2: and I say this all the time, comparison is definitely
17:07
Speaker 2: the thief of joy.
17:08
Speaker 1: You're thiefing my joy.
17:09
Speaker 2: I'm sorry for you're leeving your joy, But I think
17:12
Speaker 2: it's one of those things. It's so awesome to hear
17:14
Speaker 2: other people's money stories and how they're doing things, and like,
17:17
Speaker 2: I always compare myself. Like I say, you shouldn't be
17:20
Speaker 2: comparing yourselves, but I put myself in a position every
17:23
Speaker 2: single time I hear a story like this. But then
17:25
Speaker 2: I think it's important at the end of stories like
17:27
Speaker 2: this to go, you know what, this is totally cool
17:30
Speaker 2: for them, and I forget the comparison part moving forward.
17:33
Speaker 2: So if anyone's listening and they're not feeling all that
17:36
Speaker 2: crash hot. I get you, I feel you. But at
17:39
Speaker 2: the same time, stories like this help us understand where
17:42
Speaker 2: we want to go.
17:43
Speaker 3: Yep, twenty nine year old who's paid off her house.
17:46
Speaker 3: Thank you so much for being a part of Money Diarine,
17:48
Speaker 3: thanks for being on the show.
17:50
Speaker 4: Thank you.
17:51
Speaker 2: Just before we head off, we'd like to acknowledge and
17:53
Speaker 2: pay respects to Australian's Aboriginal and to Irestraight islander people's,
17:57
Speaker 2: the traditional custodians of the lands, the waterways and the
18:00
Speaker 2: skies all across Australia. We want to thank you for
18:03
Speaker 2: sharing and for caring on the land on which we
18:05
Speaker 2: are able to learn. We pay our respects to elders
18:07
Speaker 2: past and present, and we share our friendship and our kindness.
18:11
Speaker 2: And let's remember the advice shared on money Diaries and
18:14
Speaker 2: She's on the Money is general in nature that it
18:16
Speaker 2: does not consider your individual circumstances. She's on the Money
18:20
Speaker 2: exists purely for educational purposes and should not be relied
18:23
Speaker 2: upon to make an investment or financial decision. And we
18:26
Speaker 2: promise I am actually an authorized representative of Australia Pacific
18:30
Speaker 2: Funds Management Proprietarily Limited Abian three four one three two
18:34
Speaker 2: four six, three two five seven AFSL double three nine
18:38
Speaker 2: one five one. And thank you so much to our
18:41
Speaker 2: producer Ryan John and Beck our producer Angels for putting
18:45
Speaker 2: all this together for us today.
18:46
Speaker 1: Can I add something as well?
18:47
Speaker 2: Of course you can. I just called you a producer, Angels.
18:50
Speaker 3: You're better be nice Ryan dot John at She's on
18:53
Speaker 3: the Money dot com dot au. If you've got a
18:55
Speaker 3: great money story on Great Money Diary that you think
18:57
Speaker 3: the rest of our community would love to hear, shoot
19:00
Speaker 3: me a note. And we're going to be doing one
19:02
Speaker 3: of these every week, so we'd love to hear from here.
19:04
Speaker 2: We'll see you next week, guys,