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FRIDAY DRINKS: Live On Tour - Sydney · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud your
• 0:04
  Speaker 1: the Order Kerni Whoalbury 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 through.
• 0:23
  Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
• 0:27
  Speaker 1: the storytelling of you to make a difference for today
• 0:31
  Speaker 1: and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money.
• 0:36
  Speaker 2: She's on the Money. Hello, and welcome to she Is
• 1:00
  Speaker 2: on the Money, the podcast for millennials who want financial freedom.
• 1:04
  Speaker 2: My loves It is Friday, which, as we all know,
• 1:08
  Speaker 2: it's time to sit back with a bev in hand,
• 1:11
  Speaker 2: to chat about the week that was, and of course
• 1:14
  Speaker 2: to celebrate our incredible She's on the Money community and
• 1:18
  Speaker 2: mainly all of the people that have come to see
• 1:20
  Speaker 2: usk in the audience.
• 1:21
  Speaker 4: Jess, so many people.
• 1:23
  Speaker 2: It is wild. The audio quality, I don't know if
• 1:27
  Speaker 2: it's good, it'll make it to the podcast. Regardless of
• 1:29
  Speaker 2: whether it's good. Or not, but I am so thrilled.
• 1:32
  Speaker 2: This is one of our very first book, or it
• 1:35
  Speaker 2: is our first book to a live recordings. As we know,
• 1:39
  Speaker 2: we're going to talk about the highs, we're going to
• 1:40
  Speaker 2: talk about the lows. We're going to go through everything
• 1:43
  Speaker 2: that we usually do on a Friday drinks just to
• 1:45
  Speaker 2: give you guys a little bit of background. We're going
• 1:48
  Speaker 2: to do our money wins and confessions. I've picked some
• 1:50
  Speaker 2: this week too because I wanted to be included. And
• 1:54
  Speaker 2: then we actually are going to talk a bit about
• 1:56
  Speaker 2: the book because obviously, then we're going to go to
• 1:59
  Speaker 2: a twenty minute break so you guys can grab a
• 2:01
  Speaker 2: drink and regroup yourselves. I'm going to get in trouble
• 2:03
  Speaker 2: at the back for going vogue, and then we're going
• 2:05
  Speaker 2: to come back with do you guys know Bodzilla? Oh
• 2:09
  Speaker 2: my gosh, she's epic. We're going to talk to her,
• 2:11
  Speaker 2: she promises. I was out the back. She's like, I'm
• 2:13
  Speaker 2: really funny. So it's all right. So that's going to
• 2:15
  Speaker 2: be really good. But Jess, do you want to just
• 2:17
  Speaker 2: get into it? What do you want to do first?
• 2:19
  Speaker 4: I think so I feel like we normally start with
• 2:21
  Speaker 4: a little catch up with the goal?
• 2:23
  Speaker 2: Should we talk? I told them all about how I
• 2:25
  Speaker 2: wrote a book.
• 2:25
  Speaker 4: I mean, have you been doing anything else? Okay, so
• 2:28
  Speaker 4: what have we been doing? Wedding planning?
• 2:30
  Speaker 1: Oh?
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  Speaker 2: I don't really want to talk about that because I
• 2:31
  Speaker 2: blew out my budgets.
• 2:33
  Speaker 4: We yeah, we're getting a lot of requests from people saying, oh,
• 2:36
  Speaker 4: we'd really like some wedding content about how to stay
• 2:39
  Speaker 4: on track with your budget. And I'm like, you are
• 2:41
  Speaker 4: talking to the wrong lady.
• 2:44
  Speaker 2: Do you guys know why it hasn't come out yet?
• 2:46
  Speaker 2: Read between the lines? Mm hm, So I guess we
• 2:49
  Speaker 2: can talk about wedding planning. Yeah. It's really hard and
• 2:54
  Speaker 2: it's also really expensive. So I thought I was a
• 2:58
  Speaker 2: genius Jess. As you know, I've got a few tickets
• 3:00
  Speaker 2: on myself when it comes to budget and cash flow.
• 3:03
  Speaker 2: And as a financial advisor who had advised a lot
• 3:07
  Speaker 2: of clients during the process of creating wedding budgets and
• 3:11
  Speaker 2: watched them go over and go gone, Who's come on?
• 3:13
  Speaker 2: We talked about this now, I'm like, oh, I can
• 3:15
  Speaker 2: see how it feels like I get it. It just
• 3:18
  Speaker 2: it sucks. But it's genuinely so much more expensive than
• 3:23
  Speaker 2: I had anticipated. I mean, doesn't make it better if
• 3:26
  Speaker 2: I tell you to lines to my values? Is that better?
• 3:29
  Speaker 4: I feel like that's your get out of jail free cards.
• 3:32
  Speaker 4: It's everyone's to get out of jail free card.
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  Speaker 2: But look, it's been really fun and we are actually
• 3:36
  Speaker 2: five and a half weeks away from my wedding, which
• 3:39
  Speaker 2: is very exciting.
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  Speaker 4: I run a clause I didn't do it, yet you
• 3:45
  Speaker 4: also didn't do anything he proposed to you, and you're
• 3:48
  Speaker 4: getting around of applause.
• 3:50
  Speaker 2: Thank you, thank you. I am that good. But no,
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  Speaker 2: it's been really fun. It's been pretty hectic the planning
• 3:56
  Speaker 2: side of things. I obviously have a gorgeous team who
• 3:59
  Speaker 2: has been helping pick things and organize things that remind
• 4:03
  Speaker 2: me that you need things like matching pajamas. Not need,
• 4:05
  Speaker 2: but like Jess is like, you're going to be upset
• 4:08
  Speaker 2: if you were in that T shirt that you wore yesterday.
• 4:11
  Speaker 2: But we've been pretty busy, Jesse. We just got back
• 4:13
  Speaker 2: from America.
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  Speaker 4: Oh my gosh. Yes, we went to finn Con, which
• 4:17
  Speaker 4: is finance Con. Sounds so boring, as someone who did
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  Speaker 4: not study finance was not super thrilled to hear we
• 4:24
  Speaker 4: would be attending it.
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  Speaker 2: First, I did lure in though. I was like, all right,
• 4:28
  Speaker 2: we're going to go to fin Con. She's like, oh,
• 4:29
  Speaker 2: maybe maybe just to save budget, like you just go
• 4:32
  Speaker 2: and I was like, I'll dig you to disney World.
• 4:35
  Speaker 3: Sold.
• 4:37
  Speaker 2: So we took just to Disney World before we did
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  Speaker 2: fin Con. But did you enjoy it?
• 4:42
  Speaker 4: It was actually very fun. I think I forget because
• 4:45
  Speaker 4: we spend so much time in this community and we
• 4:48
  Speaker 4: talk like I talk about money every day, which is
• 4:51
  Speaker 4: someone who, like I said, I don't have a financy background.
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  Speaker 4: I'm just a normal gal. That at first was very
• 4:58
  Speaker 4: strange for me, and it became very normal, and I
• 5:01
  Speaker 4: didn't realize how much that adds to my life. Like
• 5:04
  Speaker 4: in the community every day in the Facebook group or
• 5:07
  Speaker 4: on Instagram or wherever we're kind of hanging out with
• 5:10
  Speaker 4: you guys, we're having these conversations about our journeys, about
• 5:14
  Speaker 4: my house, about your wedding, about your journeys, about paying
• 5:17
  Speaker 4: off your debt or your buying our pay later, or
• 5:19
  Speaker 4: reaching a goal, getting a raise. And I didn't realize,
• 5:23
  Speaker 4: I think, because I took it a little bit for granted,
• 5:26
  Speaker 4: how much I enjoy that. And so we spent some
• 5:28
  Speaker 4: time with some other podcasters, the Mindlinnial Money team and
• 5:31
  Speaker 4: the Girls That Invest team who we adore, as well
• 5:34
  Speaker 4: as a whole heap of other people from the US
• 5:36
  Speaker 4: and from all over the world who work kind of
• 5:38
  Speaker 4: in the same space as us, and I was just
• 5:41
  Speaker 4: I left with a very full cup because it was
• 5:43
  Speaker 4: really nice to be around people who care about what
• 5:45
  Speaker 4: we care about.
• 5:46
  Speaker 2: I actually felt like it was one of those things
• 5:48
  Speaker 2: where I was really hyping this up. Guys. I was like, oh,
• 5:51
  Speaker 2: shin con this is sick. I've never been because I've
• 5:53
  Speaker 2: never been able to afford it. It's a content creator's hut, right,
• 5:57
  Speaker 2: and we create finance content and as you go, I
• 6:00
  Speaker 2: probably already know there's not that many people in Australia
• 6:03
  Speaker 2: who do that. In fact, when I started it, it
• 6:06
  Speaker 2: was like not cool. It was so not cool that
• 6:09
  Speaker 2: I created a fake Facebook to comment on the Facebook
• 6:13
  Speaker 2: group posts so that I didn't look like nobody was
• 6:17
  Speaker 2: commenting on my Facebook group posts. I'd be like, hey, guys,
• 6:21
  Speaker 2: hot tip about superannuation and then some girl called.
• 6:24
  Speaker 3: Ella would be like, wow, I love.
• 6:28
  Speaker 2: Thanks, Ella. So when I started it really wasn't a thing,
• 6:33
  Speaker 2: and like I genuinely felt like people needed that information,
• 6:37
  Speaker 2: but I was also like, I don't know how to
• 6:39
  Speaker 2: make this approachable, and like, let's be honest, we see
• 6:42
  Speaker 2: safety in numbers, Like you see that she's on the
• 6:45
  Speaker 2: money community now and you're like, okay, cool, Like it
• 6:47
  Speaker 2: must be okay, Like there are so many people following it,
• 6:50
  Speaker 2: so she must know something about something. But when there
• 6:53
  Speaker 2: were seventeen people in my group and I'm trying to
• 6:55
  Speaker 2: convince them to publicly comment on a post about super Like,
• 6:58
  Speaker 2: it wasn't gonna happen. Ella needed to pull some things in.
• 7:02
  Speaker 3: So it's an.
• 7:03
  Speaker 2: Interesting, I guess journey, especially because looking at America, everything's
• 7:08
  Speaker 2: bigger there, right Like you expect you're going to go
• 7:10
  Speaker 2: and you're going to see bigger, better communities. You're going
• 7:14
  Speaker 2: to see content that is absolutely mind blowing and ideas
• 7:18
  Speaker 2: that I'm going to come home with and be able
• 7:20
  Speaker 2: to nourish our community with. And we definitely have come
• 7:23
  Speaker 2: back with that. But I think the thing that I
• 7:26
  Speaker 2: didn't realize. I knew all along that our community was
• 7:30
  Speaker 2: incredibly special. As I said before, we're basically best friends.
• 7:34
  Speaker 2: But what I didn't find at fin Coom was anything
• 7:37
  Speaker 2: like that. And I was like, what, like oh, so
• 7:40
  Speaker 2: you've got followers on TikTok. They're like yeah, And I'm like, like,
• 7:43
  Speaker 2: how often do you talk to them? They're like, oh no,
• 7:45
  Speaker 2: they don't DM me, Like, oh, my best friends dam
• 7:48
  Speaker 2: me all the time. Like they DM me when there
• 7:52
  Speaker 2: is cheap oat milk, they DM me when they see
• 7:55
  Speaker 2: coffee shop drama on the internet. They d me literally
• 7:59
  Speaker 2: all the time. Like you guys interact with me in
• 8:02
  Speaker 2: the best way. And if you've ever messaged me before,
• 8:05
  Speaker 2: this is going to be so lame. But if you've
• 8:06
  Speaker 2: ever messaged me before, you know, like if you genuinely
• 8:09
  Speaker 2: sent a message, not just like a love of her
• 8:11
  Speaker 2: eyes reply to a story like let's just get that straight.
• 8:14
  Speaker 2: I reply, and I'm like, yeah, sick, like let's do this.
• 8:17
  Speaker 2: And I think that takes people off guard because I'm
• 8:19
  Speaker 2: in your community. I am you, because I'm here literally
• 8:23
  Speaker 2: beside you, And I think that I came home with
• 8:26
  Speaker 2: a new found not understanding, but really deep appreciation because
• 8:31
  Speaker 2: I don't think I realized what we've created. And when
• 8:34
  Speaker 2: I came home, I was like, yes, this is pretty
• 8:36
  Speaker 2: flip and special. I don't actually want it to grow anymore, Like, oh,
• 8:40
  Speaker 2: you guys just stay like, let's not tell anybody else
• 8:42
  Speaker 2: because I'm genuinely scared that we'd lose that. And you know,
• 8:47
  Speaker 2: the bigger we grow, the more worried I get that
• 8:49
  Speaker 2: we're going to lose that specialness or lose that ability
• 8:53
  Speaker 2: to be best friends. But we haven't lost it yet,
• 8:56
  Speaker 2: so keep an eye out on that. It's coming.
• 8:58
  Speaker 4: It's because everyone's I think each other as best friends.
• 9:01
  Speaker 4: A post goes up sometimes and I see it and
• 9:03
  Speaker 4: I'm like, someone will ask a question. I say, oh,
• 9:05
  Speaker 4: I have a good answer to that, and I go
• 9:07
  Speaker 4: to the comments and there's ten comments from people who
• 9:09
  Speaker 4: have beat me to it because they know exactly what
• 9:12
  Speaker 4: to say or they know exactly the right thing. And
• 9:14
  Speaker 4: I think, yeah, I would like to believe that no
• 9:16
  Speaker 4: matter how many people join us or how many new
• 9:19
  Speaker 4: friends we make, it's always going to feel a little
• 9:22
  Speaker 4: bit special. And I really love that.
• 9:23
  Speaker 2: I think it's my favorite thing literally in the entire world.
• 9:26
  Speaker 2: Let's stop doing this though. We went to talk about
• 9:27
  Speaker 2: the book, so let's do money wins and confessions from
• 9:31
  Speaker 2: our community. I think it's time to get into that. Guys.
• 9:34
  Speaker 2: This is sponsored, so it is time for our budget
• 9:37
  Speaker 2: direct money wins and Confessions. Jessic Ricci, what have you
• 9:40
  Speaker 2: got for us?
• 9:41
  Speaker 4: I'm really pumped up. My first win is from Erin,
• 9:44
  Speaker 4: who said I asked my eight year old daughter to
• 9:47
  Speaker 4: help her brother clean his mass, and I said I
• 9:49
  Speaker 4: would give her one dollar cheap labor because he should
• 9:52
  Speaker 4: be doing it by himself. She said to me, Mum,
• 9:55
  Speaker 4: just put it in my bank account so I can
• 9:57
  Speaker 4: save it. Finally a win for teaching her how to save.
• 10:01
  Speaker 4: I thought that was really cute. I think that's really sweet.
• 10:03
  Speaker 4: But I have one for Country Road so ten ping here.
• 10:07
  Speaker 2: So this one is from a girl called Jessica, A
• 10:10
  Speaker 2: great name, great probably stumming, honestly, She says, money win.
• 10:14
  Speaker 2: I found a brand new Country Road jumper with the
• 10:17
  Speaker 2: tag still on for five dollars at the Salevos. The
• 10:20
  Speaker 2: tag on it said one hundred and twenty bucks.
• 10:22
  Speaker 4: That is a money win five dollars, five bucks. I
• 10:25
  Speaker 4: love an op shop still a.
• 10:26
  Speaker 2: Note like she couldn't buy a coffee at my local
• 10:29
  Speaker 2: coffee shop with her.
• 10:30
  Speaker 4: Oh please don't start, we're going to get in trouble.
• 10:34
  Speaker 4: We are going to get in trouble. My next money win,
• 10:38
  Speaker 4: Lauren says, money win one thousand six hundred and seventy
• 10:43
  Speaker 4: five dollars in my pocket thanks to a weekend of
• 10:46
  Speaker 4: Facebook marketplace selling. And I'm just astounded that she had
• 10:50
  Speaker 4: sixteen hundred dollars worth of stuff in her house that
• 10:53
  Speaker 4: she wasn't using. And I also probably also have sixteen
• 10:56
  Speaker 4: hundred dollars worth of stuff that I'm not using that
• 10:58
  Speaker 4: I should list.
• 10:59
  Speaker 2: Did you know that it was like researched by gum Tree,
• 11:01
  Speaker 2: not sponsored?
• 11:02
  Speaker 3: Just good.
• 11:03
  Speaker 2: I feel like I have to disclaim with that because
• 11:05
  Speaker 2: so many people message me like is this a sponsored post?
• 11:07
  Speaker 2: I'm like no, I'm so transparent. I'm proud when I
• 11:10
  Speaker 2: get sponsors. I'm gonna tell you, like I will literally
• 11:12
  Speaker 2: be like sponsored, look at this, someone paid for this.
• 11:15
  Speaker 2: But gum Tree they said that everybody, like most Australians
• 11:18
  Speaker 2: have five grand worth of stuff lying around their house
• 11:20
  Speaker 2: that you could sell and.
• 11:21
  Speaker 4: You just don't do it because you're lazy. Well I
• 11:23
  Speaker 4: don't do it. I shouldn't, so I'm really lazy. You
• 11:25
  Speaker 4: guys aren't lazy. I'm lazy and I should sell it
• 11:28
  Speaker 4: because I'm poor.
• 11:30
  Speaker 2: You've done that before, though, like you've gone on a
• 11:32
  Speaker 2: rampage of selling things to make your goals.
• 11:34
  Speaker 4: My partner came home once and I had sold our
• 11:38
  Speaker 4: dining chairs and he went to sit down for dinner
• 11:40
  Speaker 4: and he was like, wait where the chairs go. It
• 11:44
  Speaker 4: was like, oh, a lady picked them up about forty
• 11:46
  Speaker 4: minutes ago. And he said to me, so, where are
• 11:49
  Speaker 4: we having dinner? And I said, well, you can sit
• 11:52
  Speaker 4: at your computer in your desk chair, and I'll sit
• 11:55
  Speaker 4: on the floor next to you. But I made a
• 11:58
  Speaker 4: lot of money, so.
• 12:01
  Speaker 2: I'm not even going to question that. I'm going to
• 12:03
  Speaker 2: tell you my next money in.
• 12:05
  Speaker 4: I'm going to do it.
• 12:05
  Speaker 2: It is a money whin. It comes from Stephanie and
• 12:08
  Speaker 2: she says I bought some liberal period underwear using the
• 12:11
  Speaker 2: discount code mentioned on the podcast a few weeks ago.
• 12:14
  Speaker 2: And my local government authority also offers up to a
• 12:18
  Speaker 2: fifty dollars rebate for reusable sanitary products. I really like
• 12:22
  Speaker 2: double money win, saving the environment and my pocket.
• 12:26
  Speaker 4: At exactly the same time when I read that, when
• 12:29
  Speaker 4: I read the script, approximately two minutes before I got
• 12:31
  Speaker 4: on this stage, you literally made this. You cut and
• 12:34
  Speaker 4: paste yours in, I cut and paste mine in. I
• 12:36
  Speaker 4: kept putting mine above yours. Yeah, it's sad for me,
• 12:40
  Speaker 4: but that's okay. When I read that, I was like,
• 12:42
  Speaker 4: I should check my local government and see if they
• 12:45
  Speaker 4: do rebates for that kind of stuff. I didn't even
• 12:47
  Speaker 4: know that was a thing. Do you think that's common?
• 12:49
  Speaker 2: Not that we're working right now, I mean we technically are.
• 12:51
  Speaker 2: But if you could just put on your two list
• 12:52
  Speaker 2: to do that and then share it on stories, so
• 12:53
  Speaker 2: I'd be great.
• 12:55
  Speaker 3: All right.
• 12:56
  Speaker 4: Let me tell you my next money win that didn't
• 12:58
  Speaker 4: get shoved to the bottom of the pilot comes from Jen,
• 13:01
  Speaker 4: and Jen said, money win. My housemate bought Victoria's new book,
• 13:05
  Speaker 4: but she gave it to me because I read Quicker
• 13:08
  Speaker 4: and she put it in quotation marks, so I don't
• 13:10
  Speaker 4: think she actually does read Quicker. But that's a definite
• 13:14
  Speaker 4: win for you, Jen, because you can share it between
• 13:16
  Speaker 4: the two of you.
• 13:16
  Speaker 2: Oh my gosh. All right. Next money win from me
• 13:19
  Speaker 2: is from Amy, She says, money win. I never have these,
• 13:22
  Speaker 2: This is the best. I'm a bit of a crazy
• 13:25
  Speaker 2: dog mum, same girlfriend, same always trying to show people
• 13:28
  Speaker 2: photos of my dog that no one ever wants to see.
• 13:31
  Speaker 2: People do you want a friend? Same people do want
• 13:34
  Speaker 2: to see that. So I entered a photo of one
• 13:37
  Speaker 2: of my dogs into an agricultural hemmed calendar competition and
• 13:41
  Speaker 2: in one first place. He will now be the cover
• 13:44
  Speaker 2: photo for a twenty twenty three calendar and she won
• 13:47
  Speaker 2: five hundred bucks. Needless to say, her entire family and
• 13:52
  Speaker 2: getting that calendar for Christmas?
• 13:55
  Speaker 5: How good is that?
• 13:56
  Speaker 4: I just really like when they say the cover photo,
• 13:59
  Speaker 4: the first thing that comes to my head is like
• 14:01
  Speaker 4: the centerfold, which is not what you'd think about when
• 14:05
  Speaker 4: you think about a dog, obviously, And I just I'm like,
• 14:08
  Speaker 4: do you think it's prestigious? Not in that you guys,
• 14:11
  Speaker 4: get your mind out of the gutter, Like I meant
• 14:14
  Speaker 4: you know how it's prestigious to be the center fold?
• 14:17
  Speaker 4: Do you think it's like think it was? Yeah, well
• 14:20
  Speaker 4: maybe not anymore. But if you're the dog on the cover, like,
• 14:23
  Speaker 4: do you have bragging rights with the other dog?
• 14:25
  Speaker 2: Lucy would want to be the dog on the cover.
• 14:27
  Speaker 4: Of course, she takes after her mother.
• 14:29
  Speaker 2: I'm not gonna yeah. Yeah, we both really like attention.
• 14:35
  Speaker 2: You know what I think of when we think of calendars. Firemen. Yeah,
• 14:41
  Speaker 2: like you're thinking Playboy. I'm like the fireman calendar, the
• 14:46
  Speaker 2: local charity calendar.
• 14:48
  Speaker 4: They always get me at like they'll stand in my
• 14:51
  Speaker 4: local shopping center in the middle bit and they always
• 14:54
  Speaker 4: do the thing where they're shirtless with just like the
• 14:57
  Speaker 4: genus the little suspended with their yellow pants or whatever,
• 15:02
  Speaker 4: and they always go but ma'am, it's for charity, and
• 15:05
  Speaker 4: I go, well, I suppose you're right, and I get
• 15:08
  Speaker 4: they get me every time. And it's about that time
• 15:11
  Speaker 4: of year and I actively avoid my localol shopping center
• 15:14
  Speaker 4: because I can't say no, that's.
• 15:16
  Speaker 2: Unrelatable, the fine And I've literally never walked through a
• 15:18
  Speaker 2: shopping center and center topless fireman, where is that?
• 15:23
  Speaker 4: Come to the West side asking.
• 15:25
  Speaker 2: For a friend? Yeah? All right? Well, moving on from dogs,
• 15:29
  Speaker 2: firemen and money wins about Facebook, It has as always
• 15:33
  Speaker 2: been a great celebrating some of your budget Direct money
• 15:36
  Speaker 2: wins of the week, Budget Direct winner of can Stars
• 15:40
  Speaker 2: Insurer of the Year Award twenty twenty two, Budget Direct
• 15:43
  Speaker 2: Insurance Solved. Is it bad that I know that like
• 15:46
  Speaker 2: this now?
• 15:48
  Speaker 4: I don't think so. I think that you're just committed.
• 15:50
  Speaker 2: I can't remember my number, but can remember the Budget
• 15:53
  Speaker 2: Direct dad.
• 15:55
  Speaker 4: She's a hard worker. It should we move along from
• 15:57
  Speaker 4: the ad though, and talk a little bit more about
• 16:00
  Speaker 4: your favorite thing in the entire world apart from me,
• 16:03
  Speaker 4: apart from Lucy, I was literally just a hard to say,
• 16:05
  Speaker 4: apart wedding content and Pinterest sports also no, oh, investing.
• 16:11
  Speaker 2: Oh that is actually my favorite thing, the thing that
• 16:13
  Speaker 2: you wrote an entire book about. Yeah, I was bullied
• 16:15
  Speaker 2: into it by you guys. Cheers. No, Genuinely, I'm really
• 16:18
  Speaker 2: excited about this because I feel like, one, it wasn't
• 16:22
  Speaker 2: hard to sell, like, hey, guys, you literally asked for this.
• 16:26
  Speaker 2: Take it. But also I'm just I feel like it's
• 16:30
  Speaker 2: so special that we have literally, I mean, there are
• 16:33
  Speaker 2: a few men and there are a few people in
• 16:35
  Speaker 2: this room that you know, might go, why am I here?
• 16:39
  Speaker 2: My partner dragged me along.
• 16:40
  Speaker 4: I can fear a couple in the front row looking
• 16:42
  Speaker 4: not silly, I'm looking at you.
• 16:45
  Speaker 2: Yeah, we'll see you.
• 16:46
  Speaker 3: Yeah.
• 16:47
  Speaker 2: But I also had a few dms from people that
• 16:48
  Speaker 2: are like, ha bringing my partner or ha ha ha.
• 16:51
  Speaker 2: So as a president, I bought tickets for my friend
• 16:54
  Speaker 2: Loki because she needed to come and she won't listen
• 16:56
  Speaker 2: to the podcast. Who was that?
• 16:58
  Speaker 3: No it you?
• 17:03
  Speaker 2: Okay? So talking about the book though, I just feel
• 17:05
  Speaker 2: like it's really powerful to have a literal room of
• 17:08
  Speaker 2: people who not only want to learn about investing, but
• 17:11
  Speaker 2: are probably discovering it for one of the first times
• 17:14
  Speaker 2: in a way that you don't feel turned off. You
• 17:17
  Speaker 2: feel like, oh, this maybe is for me, This maybe
• 17:20
  Speaker 2: is my space, This maybe is the thing that is
• 17:22
  Speaker 2: going to help me create the financial stability and freedom
• 17:27
  Speaker 2: that I deserve and you all deserve it. And it's
• 17:30
  Speaker 2: kind of like this gift that I haven't been able
• 17:33
  Speaker 2: to get into your hands prior to now. It is
• 17:38
  Speaker 2: really hard absorbing audio content and remembering it and writing
• 17:42
  Speaker 2: it down. There is a marketing term, not that it's
• 17:45
  Speaker 2: related to my book, but you need to be exposed
• 17:48
  Speaker 2: to marketing advertising a minimum of seven times before you
• 17:52
  Speaker 2: actually buy that product. And if you look at that
• 17:55
  Speaker 2: in the same way that you would look at investing content,
• 17:58
  Speaker 2: that means I have to tell you the same thing
• 18:00
  Speaker 2: seven different times before you genuinely understand that concept. And
• 18:04
  Speaker 2: it's not because you're silly, it's not because you don't
• 18:07
  Speaker 2: get it. It's just because that's how human brains work.
• 18:10
  Speaker 2: We are really linear. We are actually fight or flight creatures.
• 18:14
  Speaker 2: And if you absorb some information that your brain's like,
• 18:17
  Speaker 2: that's not important. I'm just going to chuck it out
• 18:19
  Speaker 2: for now, why would you keep it because it hasn't
• 18:22
  Speaker 2: been made a priority. So this exposure of seven times
• 18:26
  Speaker 2: really makes sense. But it's hard in an audio context
• 18:30
  Speaker 2: to give that to you. And I genuinely feel like
• 18:32
  Speaker 2: it's a gift to be like here it is like
• 18:34
  Speaker 2: you can see it, you can touch it, you can
• 18:36
  Speaker 2: you know, put the book on your bedside table because
• 18:38
  Speaker 2: we made it super aesthetic so you look really nice.
• 18:42
  Speaker 2: Thanks Eizy for making me choose that cover. But it's
• 18:45
  Speaker 2: one of those things that I just feel so grateful
• 18:49
  Speaker 2: to be able to give that to you, because it
• 18:52
  Speaker 2: puts you in a position of power. It puts you
• 18:53
  Speaker 2: in a position where you are able to be the
• 18:56
  Speaker 2: narrator of your life instead of somebody else telling you
• 18:59
  Speaker 2: how it's going to fold, instead of somebody else telling you, no,
• 19:02
  Speaker 2: that's not really for you, or no, like you need
• 19:05
  Speaker 2: to buy property for it to be important, or you
• 19:07
  Speaker 2: need to do this or that or the other. Like
• 19:09
  Speaker 2: I genuinely feel like a book like this takes it
• 19:13
  Speaker 2: to the next level. Someone asked me, maybe I'm answering
• 19:15
  Speaker 2: the questions that you've.
• 19:16
  Speaker 4: Got take it ahead of yourself.
• 19:18
  Speaker 2: Sorry, But someone asked me like, oh, do I have
• 19:20
  Speaker 2: to read the first book and then the second book?
• 19:22
  Speaker 2: And no, you don't. I've written it in a way
• 19:25
  Speaker 2: where you can read one in isolation. But I genuinely
• 19:28
  Speaker 2: believe that the Pink Book, the first book, is like
• 19:31
  Speaker 2: that foundation. It's the budget, it's the cash flow, it's
• 19:34
  Speaker 2: understanding the concepts, it's master that, and you'll want the
• 19:39
  Speaker 2: next book and you'll want to take it to the
• 19:41
  Speaker 2: next level, and you'll feel genuinely like you can take
• 19:45
  Speaker 2: control of your life and you can take control of
• 19:47
  Speaker 2: your investing journey. And I think my favorite thing about
• 19:50
  Speaker 2: it is you could have no money and you're just
• 19:52
  Speaker 2: excited about the concept and you're not ready to invest
• 19:55
  Speaker 2: and read it and hopefully absorb some content that really
• 19:58
  Speaker 2: helps you. Or you could have a million dollar inheritance
• 20:02
  Speaker 2: that you need to invest, and both ends of those
• 20:04
  Speaker 2: spectrum are met. So for me, I love it. I'm
• 20:09
  Speaker 2: really proud of it, and I'm really excited that I
• 20:11
  Speaker 2: get to like give it to you.
• 20:13
  Speaker 4: It's really special. I think the big thing for me is,
• 20:17
  Speaker 4: you know, if I think back five years ago, if
• 20:19
  Speaker 4: I had said to myself, you're going to be really
• 20:22
  Speaker 4: excited about this finance book. I would have been like,
• 20:25
  Speaker 4: who are you? And can you leave me alone? Because
• 20:28
  Speaker 4: there's just no way that's not who I am. And
• 20:31
  Speaker 4: it's really cool for people like me and for all
• 20:34
  Speaker 4: of the people in this room who have so much
• 20:37
  Speaker 4: of their lives ahead of them. Learning these things and
• 20:40
  Speaker 4: consuming this knowledge has the power to put you in
• 20:43
  Speaker 4: a position where when you're older and you want to
• 20:47
  Speaker 4: retire and maybe that's earlier than the normal retirement age
• 20:50
  Speaker 4: of what is it sixty three or is it gone
• 20:51
  Speaker 4: up to sixty five?
• 20:52
  Speaker 3: Sixty five?
• 20:53
  Speaker 2: Sixty five?
• 20:54
  Speaker 4: Wow, that's so far away, but like maybe if it's
• 20:56
  Speaker 4: you know, Sue.
• 20:57
  Speaker 2: Right, tell everybody how young you are, go up.
• 20:59
  Speaker 4: But you know, when you get to that point, you
• 21:02
  Speaker 4: have the opportunity to live life the way that you
• 21:06
  Speaker 4: want it. And you know that's I think the thing
• 21:08
  Speaker 4: that this community is all about is about saying you
• 21:12
  Speaker 4: have the power, and you deserve to have the knowledge,
• 21:15
  Speaker 4: and you deserve to have the choice to live your
• 21:18
  Speaker 4: dream life and you know, not to be real like
• 21:21
  Speaker 4: girl boss, yeah make money because that's the way that
• 21:23
  Speaker 4: sounds like now going but we're canceling that term, but
• 21:27
  Speaker 4: that do you know what I mean? The thing to
• 21:30
  Speaker 4: get you there is education, and for so long, so
• 21:34
  Speaker 4: many of us have been kept out of that conversation,
• 21:37
  Speaker 4: either because we didn't have easy access to it or
• 21:41
  Speaker 4: because you know, it wasn't something that we were interested in,
• 21:44
  Speaker 4: like me, and we kind of kept ourselves out of it.
• 21:47
  Speaker 4: And you know, I think you can look back in
• 21:49
  Speaker 4: Hindsights twenty twenty and I look back and I go,
• 21:50
  Speaker 4: I wish I'd started sooner. But to see so many
• 21:53
  Speaker 4: people in the community learning and sharing and teaching and
• 21:57
  Speaker 4: doing all of those things a go, there's going to
• 21:59
  Speaker 4: be some or rich people in you know, twenty to
• 22:02
  Speaker 4: thirty years that.
• 22:03
  Speaker 2: They wanted to be because of me. And then they
• 22:05
  Speaker 2: can pay for my own lattes. Those seven dollars, oh lattes,
• 22:09
  Speaker 2: they'll get you. I think it comes from two places, though,
• 22:13
  Speaker 2: right like it comes from one. Investing in twenty twenty
• 22:16
  Speaker 2: two has never been more accessible like these days. There
• 22:19
  Speaker 2: are apps for everything. There are apps to remind you
• 22:23
  Speaker 2: when to brush your teeth, and there are apps that
• 22:25
  Speaker 2: let you invest for as little as one cent. Right
• 22:28
  Speaker 2: there has never been that ability to access investing before.
• 22:33
  Speaker 2: So I think we're in a really special position where
• 22:36
  Speaker 2: we can you know, take charge of that. We no
• 22:39
  Speaker 2: longer have these minimum investment requirements. Like I remember when
• 22:42
  Speaker 2: I started in financial advice, there were so many managed
• 22:46
  Speaker 2: funds and ETFs or exchange traded funds that had entry
• 22:50
  Speaker 2: points of twenty thousand dollars. And at that point in time,
• 22:54
  Speaker 2: I was writing advice for clients literally that I couldn't afford,
• 22:58
  Speaker 2: Like I couldn't sit down and be like, oh, like,
• 23:00
  Speaker 2: I really love this, you know, this particular fund which
• 23:03
  Speaker 2: I'm not allowed to mention right now because I might
• 23:04
  Speaker 2: lose my license. I recommend it. It's great. I love
• 23:07
  Speaker 2: it for you. I wish I could invest in it,
• 23:09
  Speaker 2: but I don't have enough money, Like isn't that gross? Like, hey,
• 23:13
  Speaker 2: this is reserved for you because you're kind of rich,
• 23:15
  Speaker 2: but I'm not. So I'll write the advice and put
• 23:17
  Speaker 2: you in the best position. It's the one I wish
• 23:20
  Speaker 2: I was in, though, Like that's gross. So it's never
• 23:22
  Speaker 2: been more accessible because now through platforms like, we're able
• 23:26
  Speaker 2: to access these things, which is to me really special.
• 23:28
  Speaker 2: But I also think we are now as especially women,
• 23:32
  Speaker 2: breaking down this barrier of mediocre, middle aged white men
• 23:35
  Speaker 2: telling us that an acronym means they're really smart. And
• 23:38
  Speaker 2: I think that for so long these people in the
• 23:43
  Speaker 2: investing world would use acronyms in terms of reference and
• 23:46
  Speaker 2: phrases that you know, they'd throw compound interest around and
• 23:50
  Speaker 2: talk about it as if it was really like exciting
• 23:53
  Speaker 2: and then never explain it in a way that made sense.
• 23:56
  Speaker 2: It would take them, you know, six paragraphs to get
• 23:59
  Speaker 2: to the point where it's like, hey, guys, it's the
• 24:00
  Speaker 2: money that your money makes, full stop.
• 24:03
  Speaker 4: It's so simple, like.
• 24:04
  Speaker 2: It's the money that your money makes when it's invested,
• 24:07
  Speaker 2: Like you put it there and it'll make money for you, like, okay,
• 24:09
  Speaker 2: no worries. And I just think it's crazy to think that,
• 24:12
  Speaker 2: you know, our ETAF is actually quite complicated, na, babe,
• 24:15
  Speaker 2: it's actually a basket. Like it's a basket of shares
• 24:18
  Speaker 2: and they put all the shares in there, and then
• 24:19
  Speaker 2: you put your money in there and buy it. Like
• 24:21
  Speaker 2: I just feel like we no longer except the gatekeeping
• 24:26
  Speaker 2: of the information, and we want it broken down. And
• 24:29
  Speaker 2: I think that that is you know, very twenty twenty two.
• 24:32
  Speaker 2: I think we see through it in plethoras of ways,
• 24:35
  Speaker 2: like you see it with people rebelling against influencers and
• 24:38
  Speaker 2: people rebelling against marketing and people rebelling against different products,
• 24:42
  Speaker 2: and you totally get it. But like, I'm glad it's
• 24:44
  Speaker 2: in the investment world because they need to be held responsible,
• 24:48
  Speaker 2: but also break it down or it's not going to
• 24:51
  Speaker 2: resonate with anybody. No one's going to want to work
• 24:53
  Speaker 2: with you. So I'm excited about that.
• 24:55
  Speaker 4: I'm really excited about that too, And I feel like
• 24:57
  Speaker 4: everybody who's here is excited about investing as well, which
• 24:59
  Speaker 4: is very, very fun. Because we have some questions that
• 25:02
  Speaker 4: you guys submitted that we're going to go through and answer.
• 25:04
  Speaker 4: All right, Victoria, the first question that I have for
• 25:06
  Speaker 4: you is should you start investing when you're on a
• 25:09
  Speaker 4: type budget? And if yes, how should you do that?
• 25:13
  Speaker 2: That is, Look, it's a really good question because it guys,
• 25:18
  Speaker 2: get this, it's really in line with your values. So
• 25:20
  Speaker 2: you've got to work out what is more valuable to you.
• 25:24
  Speaker 2: I think it's and I've said this before, it's so
• 25:27
  Speaker 2: ridiculous to expect that if you have a really type budget,
• 25:31
  Speaker 2: or you're going through what I call a season in life,
• 25:33
  Speaker 2: like you might be a university student and putting too
• 25:36
  Speaker 2: much pressure on yourself and more money is coming at
• 25:39
  Speaker 2: some point in the future. I feel like I'm a
• 25:42
  Speaker 2: staunch advocate for respecting the lifestyle that you currently have
• 25:47
  Speaker 2: so that you're not, you know, living the life that
• 25:50
  Speaker 2: you wish you had later. So investing now, it's really
• 25:54
  Speaker 2: important to understand it, to absorb the information, to educate yourself,
• 25:57
  Speaker 2: to put yourself in the best possible position to get
• 25:59
  Speaker 2: the best head start. But that doesn't necessarily mean that
• 26:03
  Speaker 2: you have to do it today. But I also really
• 26:05
  Speaker 2: want to reiterate that you don't have to have a
• 26:08
  Speaker 2: lot of money to invest. Like I have people that
• 26:11
  Speaker 2: talk to me in the She's on the Money community
• 26:13
  Speaker 2: and they're like, yeah, I just invest five dollars a month,
• 26:15
  Speaker 2: and I think that that's epic, like you are on
• 26:18
  Speaker 2: the road to success because yeah, like, let's be really
• 26:21
  Speaker 2: brutally honest, five bucks is not going to help you retire,
• 26:24
  Speaker 2: Like you are not going to be in a yacht
• 26:27
  Speaker 2: in the Bahamas because you invested five dollars a month.
• 26:31
  Speaker 2: But what you are going to be is super financially literate.
• 26:33
  Speaker 2: So once you graduate out of UNI or change jobs,
• 26:36
  Speaker 2: or the kids are no longer at home and you're
• 26:39
  Speaker 2: funding their life, like you already know how to invest.
• 26:42
  Speaker 2: You've been watching the market for maybe years at that point,
• 26:45
  Speaker 2: and you're really confident with it, you're really excited about it.
• 26:48
  Speaker 2: Putting more money in that investment portfolio doesn't feel overwhelming.
• 26:52
  Speaker 2: I think there's this very big idea that to invest
• 26:56
  Speaker 2: you must have really high cash flow. And I mean,
• 26:59
  Speaker 2: you guys have heard me before, I've said that you don't.
• 27:02
  Speaker 2: But I think we also still put that pressure on
• 27:04
  Speaker 2: ourselves to go, oh yeah, but like it's just not enough,
• 27:07
  Speaker 2: And in reality that's not the case at all, Like
• 27:10
  Speaker 2: there's no such thing as not enough, because even that
• 27:14
  Speaker 2: five dollars, Like you know, I remember someone talking to
• 27:17
  Speaker 2: me and they're like, oh, I don't invest much. I'm
• 27:18
  Speaker 2: just on rais and like they at that point in time,
• 27:21
  Speaker 2: their fees were like two dollars fifty a month. She's like,
• 27:24
  Speaker 2: I feel like my like returns are definitely being eaten
• 27:27
  Speaker 2: away by the fees, so it's not worth it. And
• 27:29
  Speaker 2: I was like, yeah, like let's reframe it though, Like
• 27:31
  Speaker 2: that's two dollars fifty a month that you can claim
• 27:33
  Speaker 2: on tags. Ah, that is an investment in your financial literacy.
• 27:38
  Speaker 2: And like I went to UNI, I did a lot
• 27:41
  Speaker 2: of UNI. If you've listened to the podcast, you know
• 27:42
  Speaker 2: I'm still in six figures of hex step. Then I
• 27:45
  Speaker 2: don't really want to talk about that today because it
• 27:47
  Speaker 2: still gives me anxiety. But it's one of those things
• 27:50
  Speaker 2: where like I get it, but the most I've ever
• 27:53
  Speaker 2: learned is when I was on the job, and investing
• 27:56
  Speaker 2: is exactly the same, Like, just start the damn job,
• 27:58
  Speaker 2: Go get your little into and ship. I don't care
• 28:01
  Speaker 2: what it is. If it's five bucks a month, if
• 28:02
  Speaker 2: it's two dollars a month, if it's just a dollar
• 28:05
  Speaker 2: share that you bought on chairs eas because you can
• 28:07
  Speaker 2: invest that much on chairs eas and just you watch
• 28:11
  Speaker 2: it over time. Like to me, that is more than
• 28:13
  Speaker 2: good enough. You are in the market. You are an investor,
• 28:16
  Speaker 2: And yeah, I think it's about your values. Yes, if
• 28:20
  Speaker 2: you're on a type budget, investing is important, but it
• 28:22
  Speaker 2: doesn't necessarily mean that you invest your life savings because
• 28:26
  Speaker 2: to be honest, that could be a really terrible idea
• 28:28
  Speaker 2: and put you in a sticky position in the long term.
• 28:31
  Speaker 4: And if you are in a position where even five
• 28:33
  Speaker 4: dollars a month is something that you just can't find,
• 28:36
  Speaker 4: that is okay, Because I think there's a lot of
• 28:39
  Speaker 4: pressure that we put on ourselves to be doing everything
• 28:42
  Speaker 4: that we want to be doing, and we see other
• 28:43
  Speaker 4: people doing things and we go, oh, I want to
• 28:45
  Speaker 4: be like them. I need to be preparing for my future.
• 28:48
  Speaker 4: I need to be buying a house. I need to
• 28:49
  Speaker 4: be getting married, I need to buy a dog, and
• 28:50
  Speaker 4: I need to do all these things because that's what
• 28:52
  Speaker 4: makes me a successful human. And if you can't do that,
• 28:55
  Speaker 4: if that room in your budget simply is not there,
• 28:58
  Speaker 4: that's okay. And I feel like you can still learn
• 29:01
  Speaker 4: and you can still listen and you can still watch,
• 29:03
  Speaker 4: so that once you are in a slightly better financial
• 29:06
  Speaker 4: position and it is an option that's on the table
• 29:08
  Speaker 4: for you, that's something that you can pursue and you
• 29:10
  Speaker 4: feel ready to jump two feet in as soon as
• 29:13
  Speaker 4: you can. I want to know how do we deal
• 29:15
  Speaker 4: with fear around investing, because that's something that held me
• 29:19
  Speaker 4: personally back, and I think it's something that holds a
• 29:22
  Speaker 4: lot of other people back. A lot is just being
• 29:25
  Speaker 4: really anxious about it or being afraid because we've heard that.
• 29:28
  Speaker 4: You know, back in the GFC everyone lost all of
• 29:31
  Speaker 4: their money and investing is so risky.
• 29:33
  Speaker 2: Because is it. Yeah, so we don't know. No, Okay,
• 29:36
  Speaker 2: well that's the answer. If you're scared, don't do it.
• 29:39
  Speaker 2: I actually I think it's let's go back to psychology, right,
• 29:42
  Speaker 2: Like fear, it doesn't come from us actually being scared
• 29:45
  Speaker 2: of something. Like I have like a really irrational fear
• 29:49
  Speaker 2: of clowns. And one time my ex boyfriend long story short,
• 29:52
  Speaker 2: took me to a theater show about clowns. And he
• 29:55
  Speaker 2: didn't know and he worked in theater, and so the
• 29:58
  Speaker 2: clowns came down the intermission, which we're going to have
• 30:01
  Speaker 2: soon to say hello to us and be kind and
• 30:03
  Speaker 2: they were like being clowns, and I fainted because I
• 30:06
  Speaker 2: was so scared, and they thought I was faking it.
• 30:09
  Speaker 2: And then anyway, we've got an ambulance. It was a
• 30:11
  Speaker 2: whole thing that was genuine fear. Guys, Like, if you're
• 30:16
  Speaker 2: not scared of clowns, we don't have to be scared
• 30:18
  Speaker 2: of investing. Investing is the fear of the unknown. Like
• 30:21
  Speaker 2: there's irrational fears, and then there's fears because we haven't
• 30:24
  Speaker 2: taken that next step. So that next step is scary
• 30:28
  Speaker 2: because we don't know what it's made up of, right, Like,
• 30:30
  Speaker 2: we can't see it like it's we're going in blind,
• 30:33
  Speaker 2: So how do we become not blind? How do we,
• 30:36
  Speaker 2: you know, look to the future in a way where
• 30:38
  Speaker 2: we can clearly see that next stepping stone? And I
• 30:41
  Speaker 2: think it's genuinely about education, Like, if you're scared about anything,
• 30:46
  Speaker 2: we can educate you into going all right, well, clowns
• 30:48
  Speaker 2: are not scary Victoria, Like, they're just people wearing masks.
• 30:51
  Speaker 2: Would you like to touch them up?
• 30:53
  Speaker 1: No?
• 30:53
  Speaker 2: I would not. I get it. But I think it's
• 30:56
  Speaker 2: really important to break down that goal if it seems
• 30:58
  Speaker 2: too scary to invest, Like my answer is genuinely don't yet.
• 31:02
  Speaker 2: It's not don't do it at all, it's don't do
• 31:05
  Speaker 2: it yet. Take the pressure off and put yourself in
• 31:07
  Speaker 2: a position where you go, all right, well, I'm not ready.
• 31:10
  Speaker 2: Why am I scared? I'm scared because I think that
• 31:13
  Speaker 2: I have to invest my life savings. No, I don't, Okay,
• 31:16
  Speaker 2: I can invest five dollars. All right, Well, if I
• 31:19
  Speaker 2: can invest five dollars, what would I want to invest in? Like,
• 31:21
  Speaker 2: let's start exploring that. Let's start consuming media that is
• 31:25
  Speaker 2: aligned to creating the life we want, Like there are
• 31:28
  Speaker 2: a million podcasts out there, obviously, there's shees on the money,
• 31:32
  Speaker 2: but then there's also you know, my millennial money and
• 31:34
  Speaker 2: girls that invest and equity mates and all of our
• 31:36
  Speaker 2: friends in the industry that create content. So you can
• 31:39
  Speaker 2: be more comfortable with this step. And I would say
• 31:42
  Speaker 2: that fear comes from the unknown, and if we can
• 31:46
  Speaker 2: create the unknown known, we're not scared of it. So
• 31:49
  Speaker 2: I would just say research, create, but also don't put
• 31:53
  Speaker 2: yourself in a position where you think you need to
• 31:55
  Speaker 2: know every single thing to take the next step. Once
• 31:58
  Speaker 2: maybe there's a little bit of fog and you can
• 32:00
  Speaker 2: see the next step, maybe know that you're going to
• 32:02
  Speaker 2: be safe to take that step and go from there,
• 32:04
  Speaker 2: and then let's look for the next one. And if
• 32:07
  Speaker 2: those steps are genuinely feeling too big and too out
• 32:10
  Speaker 2: of control, let's talk about how we can bring it back,
• 32:13
  Speaker 2: how we can actually create them into smaller steps that
• 32:15
  Speaker 2: are more palatable and that aren't scary. And one of
• 32:19
  Speaker 2: the best things ever, well, let's be biased, is that
• 32:23
  Speaker 2: she's on the money community because there are people experiencing
• 32:26
  Speaker 2: what you're experiencing. Jump into the Facebook group, comment on things,
• 32:30
  Speaker 2: read people's experiences, talk to a girlfriend, go out for
• 32:34
  Speaker 2: a coffee, go over to their house for a cup
• 32:36
  Speaker 2: of team and be like, oh my gosh, so this
• 32:37
  Speaker 2: concept weird right investing, but like, chat to them about
• 32:42
  Speaker 2: these things. Blame me, be like, oh this girl Victoria,
• 32:45
  Speaker 2: she's crazy, but she talks about this thing. What do
• 32:47
  Speaker 2: you think of it?
• 32:48
  Speaker 3: Like?
• 32:48
  Speaker 2: I want to be the reason that you guys get
• 32:52
  Speaker 2: to take that next step and get to put yourselves
• 32:54
  Speaker 2: in the best possible financial position. And I genuinely believe
• 32:58
  Speaker 2: that it's just because we don't know and create the known,
• 33:01
  Speaker 2: we will be okay, I.
• 33:02
  Speaker 4: Really really like that. I have one more question before
• 33:05
  Speaker 4: we let everybody go for a quick break, and that
• 33:07
  Speaker 4: is for people who don't have children, because it's twenty
• 33:11
  Speaker 4: twenty two, and not every person who can have a
• 33:14
  Speaker 4: child wants to anymore. Where does their wealth go when
• 33:17
  Speaker 4: they're no longer around? Because when we talk about investing
• 33:20
  Speaker 4: a lot of the time we talk about passing that along,
• 33:22
  Speaker 4: building a future that's better for the people who come
• 33:25
  Speaker 4: after us. But if you don't have children, you know
• 33:28
  Speaker 4: that concept, how do we still apply it? Is there
• 33:31
  Speaker 4: any point in investing? Should we just spend all of
• 33:33
  Speaker 4: our money and live our best lives and be like
• 33:34
  Speaker 4: peace out, Thanks so much guys, like, what do you
• 33:37
  Speaker 4: what's the point that's very deep?
• 33:39
  Speaker 3: Say that point?
• 33:39
  Speaker 2: Do you say that too confidently? Is that your plan?
• 33:43
  Speaker 2: Like is that what's gonna happen. I'm gonna go hard
• 33:44
  Speaker 2: and then I'm kids one day and Jess, we'll be
• 33:47
  Speaker 2: like ill, why all right? Cool? Deep question that wasn't
• 33:52
  Speaker 2: on the script. I love that from Jess. I think
• 33:54
  Speaker 2: it actually goes back to legacy, right, and like what
• 33:56
  Speaker 2: do you want to create? What impact do you want
• 33:58
  Speaker 2: to have on the world. Having had the experience of
• 34:02
  Speaker 2: investing four people worth tens of millions of dollars, because
• 34:05
  Speaker 2: that's where I started, right, So when I first got
• 34:08
  Speaker 2: my financial advice career, I was lucky enough to slip
• 34:11
  Speaker 2: into a business that only worked with people that are
• 34:14
  Speaker 2: classified as ultra high net wealth. And that sounds kind
• 34:18
  Speaker 2: of bougie, right, But the definition of that in the
• 34:22
  Speaker 2: business that I worked in, so not across the board,
• 34:24
  Speaker 2: but in the business that I worked in, was that
• 34:26
  Speaker 2: they had to have a minimum of ten million dollars
• 34:28
  Speaker 2: to invest. So I was dealing with people while I
• 34:31
  Speaker 2: was in like forty thousand dollars worth a credit card debt,
• 34:33
  Speaker 2: Like I don't know why they were taking my advice,
• 34:35
  Speaker 2: but they were. While I was doing that, I think
• 34:38
  Speaker 2: I learned a lot about legacy, because even if people
• 34:42
  Speaker 2: do have kids, it doesn't necessarily mean they want that
• 34:44
  Speaker 2: wealth to pass on to them. A lot of the
• 34:47
  Speaker 2: time they'd be like, look, Jess is my child. I
• 34:49
  Speaker 2: think she's really intelligent. I actually want to find like,
• 34:52
  Speaker 2: have her find her own way, and a lot of
• 34:54
  Speaker 2: I guess the wealthy people in the world who have
• 34:57
  Speaker 2: tens of millions of dollars struggle with exactly the same
• 34:59
  Speaker 2: Q questions that we have. And that's what happens after
• 35:02
  Speaker 2: I'm not here anymore? And what legacy do I want
• 35:06
  Speaker 2: to leave behind? And I think, obviously the stereotypical answer
• 35:10
  Speaker 2: of work with a state planning lawyer to work out
• 35:13
  Speaker 2: what that is, but actually think about your life, because
• 35:16
  Speaker 2: I don't think it's what happens after we die that's important.
• 35:19
  Speaker 2: I also think it's about the legacy that we leave
• 35:21
  Speaker 2: in our living life. If we want to get really deep,
• 35:24
  Speaker 2: But what are we putting our money towards? What are
• 35:28
  Speaker 2: we funding, what are we not funding? Are we going
• 35:30
  Speaker 2: to talk about fast fashion and we're not going to
• 35:31
  Speaker 2: talk about fast fashion and you know, when you pass on,
• 35:35
  Speaker 2: do you want that money to be left to a
• 35:36
  Speaker 2: child or to my child, Jessica, or do we want
• 35:39
  Speaker 2: that money to be passed on to a cause that's
• 35:42
  Speaker 2: really close to our heart or establishing something that means
• 35:46
  Speaker 2: something something really cool. Actually, I know you're probably trying
• 35:50
  Speaker 2: to wrap me up, but good luck is we would
• 35:55
  Speaker 2: create a lot of trusts for super wealthy people and
• 35:58
  Speaker 2: you can actually do it now, where you invest your
• 36:02
  Speaker 2: future wealth that you don't need anymore. Because on the
• 36:05
  Speaker 2: off chance that something to happen to us yesterday, because
• 36:07
  Speaker 2: we always talk about yesterday. We never talk about tomorrow.
• 36:10
  Speaker 2: On the off chance that something happened to me yesterday,
• 36:12
  Speaker 2: maybe I want to create a trust that, you know,
• 36:15
  Speaker 2: the investment money in that in perpetuity pays for a
• 36:18
  Speaker 2: scholarship or a fee for somebody. And you know, let's
• 36:22
  Speaker 2: be super deep in my will, I've got that set up,
• 36:25
  Speaker 2: like I have all my superannuation money going to a
• 36:29
  Speaker 2: trust that will create financial literacy like courses in other countries. Sorry, guys,
• 36:34
  Speaker 2: I feel like you guys have a covered in other
• 36:37
  Speaker 2: countries for women who are not able to access financial literacy.
• 36:42
  Speaker 2: And I think that you can do literally anything you
• 36:45
  Speaker 2: want to. But the really important thing here is that
• 36:47
  Speaker 2: we actually established that before we pass away, and we
• 36:51
  Speaker 2: actually document that really well and put ourselves in a
• 36:53
  Speaker 2: position where it's actually possible. So what are people who
• 36:57
  Speaker 2: don't have children do? They do the same thing, because
• 37:00
  Speaker 2: you'd be surprised about how many parents pass away and
• 37:02
  Speaker 2: they don't have anything left for their children. So I
• 37:04
  Speaker 2: think it's about legacy. What do you want people to
• 37:07
  Speaker 2: remember you for or what do you want to create
• 37:09
  Speaker 2: and how do we create that? Because we're not talking
• 37:12
  Speaker 2: about tens of millions of dollars here, like.
• 37:15
  Speaker 4: We okay, I will go, I hope you're okay. Whoever
• 37:21
  Speaker 4: just fell over?
• 37:22
  Speaker 2: I think they threw a drink. No, it's not about
• 37:26
  Speaker 2: tens of millions of dollars, Like every dollar literally counts,
• 37:29
  Speaker 2: and you can create whatever you want to create with that.
• 37:31
  Speaker 2: You just have to be purposeful and put a plan
• 37:33
  Speaker 2: in place.
• 37:34
  Speaker 3: Is that okay?
• 37:35
  Speaker 4: I really like that. I'm also getting slightly triggered by
• 37:37
  Speaker 4: you calling me your child because when we went to
• 37:39
  Speaker 4: finn Con, this is so this is I'm getting very
• 37:42
  Speaker 4: off topic here. But when we went to fin Con,
• 37:44
  Speaker 4: we went to a party and it was tacky tourist themed.
• 37:47
  Speaker 2: Did you see this? This is so good?
• 37:49
  Speaker 4: So Glenn and Victoria I went and bought Glenn.
• 37:52
  Speaker 2: From My Millennial Money, which is like our partner podcast.
• 37:55
  Speaker 2: If you don't know My Millennial Money, you love them.
• 37:58
  Speaker 2: His community, not our communit his community call him the
• 38:01
  Speaker 2: Dad of finance. So when I was introduced to his community,
• 38:05
  Speaker 2: they were she's clearly the mom.
• 38:06
  Speaker 4: In the US, everyone who goes to Disneyland buys family
• 38:09
  Speaker 4: t shirts and they say lack so tight rich tu
• 38:13
  Speaker 4: or something fun like that. So I went and got
• 38:15
  Speaker 4: one that said mom because it's an o with Disney ears,
• 38:19
  Speaker 4: and then one that said dad. And Glenn and Victoria
• 38:21
  Speaker 4: wore those and I had like the kids one, so
• 38:23
  Speaker 4: I was like their little child. But then we went
• 38:25
  Speaker 4: to the event and they wouldn't give me a drinks
• 38:27
  Speaker 4: band because they thought I was underage because I was
• 38:30
  Speaker 4: their kid.
• 38:31
  Speaker 2: I'm more offended than they actually thought. You could be
• 38:34
  Speaker 2: more a child.
• 38:36
  Speaker 4: Really good, But I think on that note, we should
• 38:39
  Speaker 4: send all of these overage people off to get a
• 38:41
  Speaker 4: drink of their own on a nice little break. There's
• 38:43
  Speaker 4: books out there as well, if you'd like to purchase one,
• 38:46
  Speaker 4: because I hear someone will be signing them later on.
• 38:48
  Speaker 2: I have like five sharpiees. She came prepared.
• 38:51
  Speaker 4: Don't let her down. She wants to work through at
• 38:53
  Speaker 4: least three of those or she'll field disappointed.
• 38:55
  Speaker 2: And we've got Bodzilla coming up, which I promise is
• 38:58
  Speaker 2: so much better than the first half of this show.
• 39:00
  Speaker 4: So we'll see you guys all back very soon at
• 39:02
  Speaker 4: eight thirty.
• 39:13
  Speaker 2: Hello again, did we enjoy intermission? What do people actually
• 39:16
  Speaker 2: do on intermission?
• 39:17
  Speaker 4: Post self is tagging us. A lot of people want
• 39:20
  Speaker 4: to win the master class. I saw that.
• 39:22
  Speaker 2: I spent my entire time back in that room, like
• 39:25
  Speaker 2: replying to dms. One of you told me how much
• 39:27
  Speaker 2: she got out of debt, really exciting. Someone told me
• 39:29
  Speaker 2: about their tax debt not so exciting. And a couple
• 39:32
  Speaker 2: of you were like, oh, I just posted my bee reel, babe,
• 39:35
  Speaker 2: that's not that real. Like if you waited for your
• 39:38
  Speaker 2: be reel to be posted here, that's not the point.
• 39:42
  Speaker 2: Just do a insta story anyway.
• 39:45
  Speaker 4: I think it's time to bring out our special guests
• 39:47
  Speaker 4: for the night, which I'm very excited about. We have
• 39:50
  Speaker 4: April Ellen Horton, who is a writer, public speaker, actor,
• 39:54
  Speaker 4: and model. You probably know her as the Bodzilla. April
• 39:58
  Speaker 4: is all about fat joy. She's a passionate advocate for
• 40:01
  Speaker 4: intersectional experiences. She's a noted MC and keynote speaker who
• 40:05
  Speaker 4: gives people confidence to take up the space that they deserve.
• 40:09
  Speaker 4: Her sense of fun translates to her fun sense of fashion,
• 40:12
  Speaker 4: where she is a literal rainbow of fabulousness. And she,
• 40:17
  Speaker 4: Oh my gosh, we didn't even brieve her. She just
• 40:18
  Speaker 4: turned up.
• 40:19
  Speaker 2: In bees, she came on brand.
• 40:21
  Speaker 4: She just she knew and we didn't even have to
• 40:23
  Speaker 4: say anything. In twenty twenty one, she actually led the
• 40:26
  Speaker 4: way as Australia's first truly plus sized model to appear
• 40:30
  Speaker 4: in a bikini on a billboard and she was part
• 40:32
  Speaker 4: of a national three part TV series asking Australia what
• 40:36
  Speaker 4: they really think about disability, old people and obesity. She
• 40:40
  Speaker 4: champions racial equality, LGBTQ plus inclusion, sex positivity and fat liberation.
• 40:47
  Speaker 4: A full time communications gig keeps her busy, and in
• 40:50
  Speaker 4: the past she's had her finger in a number of
• 40:51
  Speaker 4: pies across advertising, social media, and production of music videos
• 40:55
  Speaker 4: as well as commercial shoots and film. In twenty twenty two,
• 40:58
  Speaker 4: her mission is to continue bringing conversations about authentic diversity, inclusion,
• 41:03
  Speaker 4: and privilege into everyday life.
• 41:06
  Speaker 2: Amazing. Let's give a round of applause for April. April, Yeah, hello,
• 41:20
  Speaker 2: my baby, and she she I told you guys, she
• 41:25
  Speaker 2: said she was really funny, So high expectations physical get
• 41:31
  Speaker 2: Are you excited to be here? I'm having a terrible
• 41:34
  Speaker 2: look same. We made her sit out the back for
• 41:36
  Speaker 2: the entire first half of this show. Sorry about it,
• 41:39
  Speaker 2: but one of our community members she literally pulled us
• 41:43
  Speaker 2: champagne goss pining about out the back. We're like, oh water.
• 41:47
  Speaker 2: Of course, someone brought us champagne. So during the break,
• 41:50
  Speaker 2: we'll like find us glasses. We are going to drink
• 41:52
  Speaker 2: this ten We loved you. I wish they drink all right,
• 42:01
  Speaker 2: all right, I'm very excited because this is a live
• 42:03
  Speaker 2: podcast recording, April Wild you ever done that before? Maybe
• 42:07
  Speaker 2: it's all right, It's all right, we'll edit this bit out.
• 42:09
  Speaker 2: It's not really about live because once it gets to
• 42:11
  Speaker 2: the we were talking about you out the bat. But April,
• 42:18
  Speaker 2: I want to kick this conversation off with a recent
• 42:21
  Speaker 2: money win or a confession, whatever you're up to. You
• 42:24
  Speaker 2: got something fun for us?
• 42:25
  Speaker 6: A recent money win. I finally did my tax episode
• 42:29
  Speaker 6: over you and they gave me.
• 42:30
  Speaker 2: Some money back.
• 42:31
  Speaker 3: That is a win.
• 42:32
  Speaker 2: That's a good win.
• 42:33
  Speaker 6: Like that's when you also but like you didn't learn
• 42:36
  Speaker 6: a lesson because you think you're gonna go oh no,
• 42:38
  Speaker 6: I owe you money and they're like no, no.
• 42:39
  Speaker 2: You're going to do it again, aren't you.
• 42:41
  Speaker 3: Yeah, I.
• 42:45
  Speaker 2: Will sit down after this.
• 42:47
  Speaker 3: Here's your dinner. Yeah, we need to have a talk.
• 42:51
  Speaker 3: I'll apply your Okay.
• 42:53
  Speaker 4: Well, well, April, I went through your very impressive and
• 43:00
  Speaker 4: very well written by mighty ad, written by her, and
• 43:03
  Speaker 4: I'd love for us to tell us a little bit
• 43:05
  Speaker 4: in your own words about what you do for work
• 43:08
  Speaker 4: and what you do in your day to day life.
• 43:10
  Speaker 3: So so thanks, Yeah, geez I am as you say.
• 43:19
  Speaker 3: I work full time in internal communication.
• 43:21
  Speaker 6: Actually no part time now I've just got my Yes,
• 43:25
  Speaker 6: we love.
• 43:25
  Speaker 3: A bit of work life balance. I had a MENTIB
• 43:28
  Speaker 3: and I was like, this is not going to work.
• 43:31
  Speaker 3: So I didn't see you seriously, but also.
• 43:36
  Speaker 4: Our poor interpret are having to sign MENTIB.
• 43:40
  Speaker 2: Sorry.
• 43:43
  Speaker 6: So I work in communications as a public servant actually,
• 43:49
  Speaker 6: and then I also have a child, and I also
• 43:52
  Speaker 6: do online activism and then I also fly to Sydney
• 43:56
  Speaker 6: and do like hang out with us and I drink one. Yeah,
• 44:00
  Speaker 6: it's pretty much your running theme, so I guess I
• 44:03
  Speaker 6: mean in my own words, you read them out. But
• 44:05
  Speaker 6: if I was to say, like what do I do,
• 44:07
  Speaker 6: I'm just trying to make things a little bit better
• 44:09
  Speaker 6: for everyone.
• 44:11
  Speaker 3: Which I think is what you're doing as well. Do
• 44:12
  Speaker 3: you know what I mean? So good?
• 44:14
  Speaker 2: You know that's why we're getting along so well. Also,
• 44:15
  Speaker 2: we didn't coordinate our at look.
• 44:18
  Speaker 3: I just I came in and we were like, oh
• 44:21
  Speaker 3: so exciting.
• 44:22
  Speaker 2: That's actually what it sounded like.
• 44:24
  Speaker 3: It was louder than that, but I wasn't going to
• 44:25
  Speaker 3: do it into the microphone. That seems me.
• 44:29
  Speaker 2: I want to know, you are a lot of things,
• 44:32
  Speaker 2: a lot of very impressive things. But let's be really pervy.
• 44:35
  Speaker 2: This is she's on the money after the way, how
• 44:37
  Speaker 2: many different ways do you make money?
• 44:38
  Speaker 3: Oh?
• 44:39
  Speaker 6: Well, I have a job, and then I own a
• 44:43
  Speaker 6: business and then no, I don't have OnlyFans.
• 44:46
  Speaker 3: You do so well on there, though, I would actually
• 44:50
  Speaker 3: kill it. I'm all about that. I'm like, get the
• 44:52
  Speaker 3: bag on it. No, that's yeah.
• 44:54
  Speaker 6: I think I would call myself a business owner and
• 44:56
  Speaker 6: I also have a PAYG.
• 45:00
  Speaker 2: I love it.
• 45:01
  Speaker 3: What a sexy acronym matters all?
• 45:04
  Speaker 2: I mean, you've been using that MENTI B I had
• 45:07
  Speaker 2: to actually think, ad be that what dap?
• 45:09
  Speaker 3: What is that? We're having one right now?
• 45:11
  Speaker 2: Help me? I want to know, though you transitioned from
• 45:15
  Speaker 2: full time work. You just told us to part time work,
• 45:18
  Speaker 2: and I think that's the dream of a lot of people.
• 45:20
  Speaker 2: How'd you do that? Though?
• 45:21
  Speaker 6: Well, I decided that I really wanted to be able
• 45:24
  Speaker 6: to actually focus on the thing I was doing when
• 45:27
  Speaker 6: I was doing it. And then you know in both cases,
• 45:30
  Speaker 6: and so working part time is a way that I
• 45:33
  Speaker 6: can balance it. And I decided that I actually could
• 45:36
  Speaker 6: not afford not financially, but could not afford to overdo it.
• 45:41
  Speaker 3: As much as I was.
• 45:43
  Speaker 6: And so I think there has definitely been for me
• 45:46
  Speaker 6: a bit of a sacrifice knowing that I go, well,
• 45:48
  Speaker 6: I probably won't have as much spending money. But this
• 45:52
  Speaker 6: is one of those things that you kind of just
• 45:53
  Speaker 6: have to do, because, as I was saying earlier, when
• 45:56
  Speaker 6: it goes from being a side hustle to like at
• 45:58
  Speaker 6: least halfway into your real life us, you kin'd have
• 46:01
  Speaker 6: to find that balance. So I think it isn't glamorous
• 46:05
  Speaker 6: to go part time from your day job to do
• 46:07
  Speaker 6: you focus on your hard hustle. It's a lot of
• 46:09
  Speaker 6: hard work and it's worth it if it's worth it
• 46:12
  Speaker 6: to you, and you shouldn't let anybody tell you that
• 46:14
  Speaker 6: it's not you know, or try to talk you out
• 46:17
  Speaker 6: of doing something that's not stable, because if what you're
• 46:19
  Speaker 6: doing brings you joy, what like, why would you want
• 46:22
  Speaker 6: to be stable?
• 46:27
  Speaker 2: I really like, I really like financial stability though, that's
• 46:33
  Speaker 2: what we're here to talk about.
• 46:35
  Speaker 3: Yes, let's see it. Yes, yeah, she didn't.
• 46:38
  Speaker 2: Mean that we do want stability.
• 46:41
  Speaker 6: No, I think the idea of having financial stability and
• 46:45
  Speaker 6: the idea of being able to be glamorous all the
• 46:47
  Speaker 6: time perhaps not realistic. Sometimes you have to work really
• 46:50
  Speaker 6: hard and spend a lot of time being like I
• 46:53
  Speaker 6: need a spreadsheet.
• 46:54
  Speaker 3: To figure out what exactly is going on with all
• 46:56
  Speaker 3: this money? And what's a gst? Because what's a GST?
• 47:01
  Speaker 3: I feel like it's like, who got her here? Why
• 47:04
  Speaker 3: is she? Because I'm funny? You are?
• 47:08
  Speaker 2: We literally flew you to a different state were no
• 47:11
  Speaker 2: one in Sydney is as good as Wedzilla. But we've
• 47:16
  Speaker 2: spoken about this backstage and I was going to ask you,
• 47:20
  Speaker 2: you know, tell me a little bit about your current
• 47:22
  Speaker 2: relationship with money, but like, let's go full money diary
• 47:25
  Speaker 2: for a second and ask, which is usually the first
• 47:27
  Speaker 2: question in our actual money diary, is like, tell us
• 47:30
  Speaker 2: a little bit about your money story, because I feel like,
• 47:33
  Speaker 2: you know, you know all of this stuff, and it's
• 47:35
  Speaker 2: great to be up here going all right, well, we
• 47:36
  Speaker 2: want work life balance and we want to put these
• 47:38
  Speaker 2: things first. But like you know, from experience, you don't
• 47:41
  Speaker 2: just say that and go oh, I had an empty
• 47:43
  Speaker 2: bee and it was just random. It came from somewhere, right.
• 47:48
  Speaker 6: So, I mean when I was younger, I worked part
• 47:50
  Speaker 6: time in shift work, and I understood the value of
• 47:53
  Speaker 6: penalty rates and how.
• 47:54
  Speaker 3: You make money.
• 47:55
  Speaker 6: So I think I've been learning this lesson around what
• 47:57
  Speaker 6: you get out is what you put in kind of
• 47:59
  Speaker 6: for a long time.
• 48:00
  Speaker 3: I think when I got my.
• 48:01
  Speaker 6: First career job, I was twenty three four five.
• 48:07
  Speaker 3: I don't know if someone.
• 48:09
  Speaker 6: And I know, you can't tell, And I think for me,
• 48:13
  Speaker 6: it was the idea that I was heading into this
• 48:15
  Speaker 6: career with stability and a regular income, and that I
• 48:17
  Speaker 6: could work during the day and sleep at night time,
• 48:20
  Speaker 6: which was very different from working in a hospitality industry.
• 48:22
  Speaker 3: That kind of was very opposite to that. And I
• 48:26
  Speaker 3: think that.
• 48:27
  Speaker 6: If I look back, the way that I looked at
• 48:30
  Speaker 6: money coming into my bank account every week is like
• 48:32
  Speaker 6: what can I.
• 48:33
  Speaker 3: Waste this on? How many stupid things can I buy?
• 48:36
  Speaker 6: Somebody asked me the other week, like, what's your biggest
• 48:39
  Speaker 6: regret of anything you've ever purchased? And I was like,
• 48:40
  Speaker 6: literally everything I bought in my twenties, it was just a.
• 48:44
  Speaker 3: Waste of money, just crap constantly.
• 48:47
  Speaker 6: And I think now being someone who has to balance that,
• 48:50
  Speaker 6: you know, and also taking care of other people, have
• 48:52
  Speaker 6: a child, having to make considered decisions about what's a
• 48:56
  Speaker 6: good use of money? Does it mean that I don't
• 48:58
  Speaker 6: buy things that I don't need to know? But I
• 49:00
  Speaker 6: buy way less of them and I think really hard
• 49:02
  Speaker 6: about whether I need them as much.
• 49:04
  Speaker 2: I love that, and I feel like this is an
• 49:06
  Speaker 2: ongoing theme of my week. You guys aren't going to
• 49:08
  Speaker 2: be able to, you know, reiterate with this yet because
• 49:10
  Speaker 2: the Money Diary hasn't come out yet. But I was
• 49:12
  Speaker 2: talking to a money dirist yesterday, as were you, Miss
• 49:14
  Speaker 2: Jess Grici, and she was saying, when I first started,
• 49:18
  Speaker 2: you know, having my own full time job. If I
• 49:21
  Speaker 2: earned eight hundred and fifty dollars a week instead of
• 49:23
  Speaker 2: seeing all your bills. You were like, I've got eight
• 49:25
  Speaker 2: hundred and fifty bucks to spend. And I was like, oh,
• 49:28
  Speaker 2: that's actually a mentality that I had. And we talked
• 49:31
  Speaker 2: about the cost of living and how we kind of
• 49:32
  Speaker 2: buried our head in the sand, like floor cleaner, you
• 49:35
  Speaker 2: have to pay for that paper towels. We have to
• 49:37
  Speaker 2: buy that that comes out of that eight hundred and
• 49:39
  Speaker 2: fifty dollars. And it's kind of a joke. So if
• 49:40
  Speaker 2: anyone knows how to like skip that part, that would
• 49:43
  Speaker 2: be great.
• 49:43
  Speaker 4: Live in the bush.
• 49:45
  Speaker 2: Oh and the answer apparently no paper towel needed.
• 49:51
  Speaker 6: I tell you funny conversation that I overheard in the
• 49:54
  Speaker 6: break room.
• 49:56
  Speaker 3: I was like, Oh, what happened in.
• 49:57
  Speaker 2: My breakroom stays in the break.
• 50:00
  Speaker 6: Except this girl set it in front of me. Now,
• 50:02
  Speaker 6: I'm going to say it to all of you. Was it, Jess, No,
• 50:06
  Speaker 6: it was at work, and this girl I could have say,
• 50:09
  Speaker 6: I just can't believe that the electricity and the water
• 50:13
  Speaker 6: is not included in the rent.
• 50:14
  Speaker 3: That's bullshit.
• 50:16
  Speaker 5: And I was like, girl, you're right, that's that's balls.
• 50:21
  Speaker 3: I hate that for you, Like, oh my god.
• 50:25
  Speaker 6: I was like when my sister asked me the Titanic
• 50:27
  Speaker 6: was real, I was like, anyway, I just kind of
• 50:31
  Speaker 6: loved the fact that she clearly left home to be.
• 50:35
  Speaker 3: Like, you know, this independent young thing, and they got.
• 50:37
  Speaker 2: A rude ass shock.
• 50:41
  Speaker 6: My mate were like, say the electricity bills, She's like, no, no, no,
• 50:43
  Speaker 6: I transferred it to the acount already.
• 50:45
  Speaker 3: Nobody if that's the room over the head in.
• 50:49
  Speaker 6: This probably rat infested jair, the traps are extra and
• 50:54
  Speaker 6: so yeah, I think that it's kind of fun slash
• 50:56
  Speaker 6: sad to be like, oh shit, ye.
• 50:58
  Speaker 2: I'm so much to learn. You also have to pay
• 51:01
  Speaker 2: to get rid of the rat.
• 51:04
  Speaker 3: Really, it is so rude, seriously as bad.
• 51:09
  Speaker 2: Well let's fast forward, though, let's fast forward. Let's move fast.
• 51:12
  Speaker 2: Their brady sharehouse. I'm not mad about it. What's your
• 51:16
  Speaker 2: current relationship with money look like, because obviously you're not
• 51:20
  Speaker 2: in a rat infested sharehouse.
• 51:22
  Speaker 3: Or maybe no judgment.
• 51:25
  Speaker 6: I don't feel like I am living the financially secure
• 51:29
  Speaker 6: dreams that my mother had in mind when she used
• 51:31
  Speaker 6: to be like put these fifty cents in that piggy bank.
• 51:34
  Speaker 6: I think that it was like because like fifty cents
• 51:36
  Speaker 6: as well, not a lot really, Like when I think
• 51:39
  Speaker 6: about what I could get for fifty cents when I.
• 51:41
  Speaker 2: Can't even buy fifty cent cone anymore, they don't releast inflation.
• 51:46
  Speaker 2: We've had this conversation much of I now doll dollar
• 51:48
  Speaker 2: twenty oh dollar twenty.
• 51:51
  Speaker 4: I'm pretty sure it's a dollar twenty and everyone's shocked.
• 51:56
  Speaker 3: I actually am that. You know that has gone up
• 51:58
  Speaker 3: by four hundred? Is that maths? It used to be
• 52:01
  Speaker 3: thirty cents.
• 52:01
  Speaker 2: No one's gonna argue with you. You're a one hundred
• 52:03
  Speaker 2: percent somebody who knows matts.
• 52:05
  Speaker 3: Agree with me? Please? Yeah, I beg you. It's gone up.
• 52:09
  Speaker 3: It's times four?
• 52:10
  Speaker 2: Yes, oh yes four.
• 52:14
  Speaker 5: Wait till they find out about the electricity.
• 52:18
  Speaker 3: Yeah.
• 52:18
  Speaker 6: So I think my current relationship with money is still
• 52:21
  Speaker 6: fraught with a lot of I'm carrying a lot of baggage,
• 52:24
  Speaker 6: you know, tw financial abuse. But like was in a
• 52:26
  Speaker 6: relationship with someone who was real shady. I came out
• 52:29
  Speaker 6: of that relationship with no money and no super.
• 52:34
  Speaker 3: I'll kill him.
• 52:38
  Speaker 2: You're acting like I judge you for that.
• 52:40
  Speaker 3: You're like, what's his number? I doesn't want to talk.
• 52:43
  Speaker 2: We are riding at midnight.
• 52:46
  Speaker 3: I'll pick you up. And so it was what the
• 52:51
  Speaker 3: fuck honestly like? And I do go, oh my god,
• 52:54
  Speaker 3: that's so cringe.
• 52:55
  Speaker 6: It's not because it happens to so many of us
• 52:58
  Speaker 6: because we don't understand what we need to know.
• 53:01
  Speaker 3: And what I was saying actually to Gabby backstage, Gabby's
• 53:04
  Speaker 3: the beautiful Ea of Victoria. Incredible and great pants.
• 53:08
  Speaker 6: How much you did for Gabby. You've got good pants,
• 53:10
  Speaker 6: good pants, good pants, Gabby. That's a funny.
• 53:14
  Speaker 2: I was saying to her that this podcast and your books.
• 53:18
  Speaker 2: If I had been her age when this was around,
• 53:21
  Speaker 2: that probably would not have happened to me, because I
• 53:23
  Speaker 2: would have had some financial literacy.
• 53:25
  Speaker 3: I would have understood that that's a bad idea.
• 53:27
  Speaker 6: You shouldn't let anybody talk you into doing those things
• 53:29
  Speaker 6: with your money, because that's a bad plan.
• 53:31
  Speaker 3: And so I really think.
• 53:33
  Speaker 6: That the value for me of being engaged in a
• 53:36
  Speaker 6: conversation about money, about investment is to understand that it's
• 53:41
  Speaker 6: never too late to start. I think as well, like
• 53:44
  Speaker 6: I'm old compared to you, but I'm young compared to some.
• 53:47
  Speaker 3: Other people, So like, yay, it's all relative.
• 53:49
  Speaker 6: And I think if I can get a handle on
• 53:52
  Speaker 6: what I want to do, it doesn't have to have
• 53:54
  Speaker 6: a time limit. I don't have to decide it's going
• 53:55
  Speaker 6: to be by New Year's Eve all the time I'm forty,
• 53:58
  Speaker 6: both of which are coming.
• 54:00
  Speaker 3: Then I think that that feels really reassured.
• 54:03
  Speaker 2: Do you think I'm in my twenties, because yeah, I'll
• 54:06
  Speaker 2: take that.
• 54:07
  Speaker 4: I am Jesse me Wing.
• 54:11
  Speaker 3: I mean, I don't know everybody. Everybody in the world
• 54:14
  Speaker 3: seems younger than me. It's the votops And I love
• 54:19
  Speaker 3: that for you.
• 54:19
  Speaker 2: Don't you.
• 54:23
  Speaker 4: Can I ask you about and obviously feel free to
• 54:26
  Speaker 4: brush over this if you want to.
• 54:28
  Speaker 2: But what said if she doesn't want to answer a question,
• 54:30
  Speaker 2: she's just gonna make a joke and then ask Jess
• 54:31
  Speaker 2: a question. And I'm fine with that she does that,
• 54:33
  Speaker 2: I feel like you might have sorry.
• 54:36
  Speaker 3: Steam out from mind anyway. Yeah, how did.
• 54:39
  Speaker 4: You get to the place in that relationship when you
• 54:43
  Speaker 4: know you were in a place where you thought, oh,
• 54:45
  Speaker 4: like this is fine, this is normal, this is a
• 54:47
  Speaker 4: relationship because you didn't know differently, how did you get
• 54:50
  Speaker 4: to the point where you're like, actually, that's not acceptable.
• 54:52
  Speaker 4: I deserve better.
• 54:54
  Speaker 6: So I think everything that had happened in that four years,
• 55:00
  Speaker 6: four and a half years was kind of a terrible
• 55:03
  Speaker 6: trajectory of terribleness, and then you just get to the
• 55:07
  Speaker 6: end of the roller coaster, a self finished being built,
• 55:08
  Speaker 6: you just fall off.
• 55:09
  Speaker 3: That's how I think it feeled emotionally.
• 55:12
  Speaker 6: Essentially, we split and when I reflected, and it was
• 55:15
  Speaker 6: messy and whatever, and it made for like good Instagram posts,
• 55:19
  Speaker 6: which I've now deleted because that's cringe. But I think
• 55:25
  Speaker 6: that the idea that all of that could happen and
• 55:28
  Speaker 6: then I could walk away and be like, what the.
• 55:34
  Speaker 3: Were you thinking? Really hurt my head?
• 55:39
  Speaker 2: You know that's made of metal?
• 55:41
  Speaker 3: Yees, yeah, not my head, though. I think it was
• 55:44
  Speaker 3: just a real wake up.
• 55:45
  Speaker 6: And I think any person who's ever experienced a scenario
• 55:49
  Speaker 6: where there in a relationship and I don't mean that
• 55:51
  Speaker 6: necessarily romantically.
• 55:53
  Speaker 3: When we talk about relationship, you and.
• 55:54
  Speaker 6: Energy exchange between two people where you've both agreed to
• 55:57
  Speaker 6: some terms and conditions that perhaps one of you skimmed
• 55:59
  Speaker 6: it fendly just signed it, read it. I think you
• 56:05
  Speaker 6: just kind of look back and go, that was a
• 56:07
  Speaker 6: pretty shit choice. Not I'm like signing up for a
• 56:09
  Speaker 6: credit card, when you're eighteen in that.
• 56:12
  Speaker 2: She lostens No but legit, I think that we don't know, no,
• 56:19
  Speaker 2: but but it's legit right that you don't know what
• 56:21
  Speaker 2: you don't know. And the older you get, the more
• 56:24
  Speaker 2: reflection time you have. And you said something interesting, you
• 56:27
  Speaker 2: were like, oh, if this was around when I was younger,
• 56:28
  Speaker 2: I wouldn't have gotten in that circumstance. On flip side,
• 56:31
  Speaker 2: if this was around when I was younger, I wouldn't
• 56:34
  Speaker 2: have listened because I absolutely knew better, like I was
• 56:37
  Speaker 2: really smart. Yeah, like maybe it did exist back because
• 56:42
  Speaker 2: I'm pretending I.
• 56:45
  Speaker 3: Has the Australian financial of you been around? Do you think.
• 56:50
  Speaker 2: She's on the Money's three? So probably like two years.
• 56:53
  Speaker 6: Paul Greenwood somewhere being like, sorry, I'm right here.
• 56:59
  Speaker 2: Let's talk about it investing, because that's what we are
• 57:01
  Speaker 2: here to talk about today.
• 57:03
  Speaker 3: You wrote a whole book about it. I did.
• 57:04
  Speaker 2: It's crazy. I want to know, like you've invested before,
• 57:08
  Speaker 2: how did you make decisions like that? How do you
• 57:10
  Speaker 2: know what you wanted to invest in and what align
• 57:14
  Speaker 2: to your values? Especially as someone who is like so
• 57:17
  Speaker 2: clear about their value system.
• 57:20
  Speaker 3: I think the clearness about my value system is probably
• 57:22
  Speaker 3: a new thing, but my aversion.
• 57:23
  Speaker 6: To risk that goes all the way back to nineteen
• 57:26
  Speaker 6: eighty five, and that's how I am.
• 57:29
  Speaker 2: Ah.
• 57:29
  Speaker 3: And so I think about investments.
• 57:31
  Speaker 6: I want to do something that feel safe, because even
• 57:33
  Speaker 6: though I made a joke about being unstable, actually I'm
• 57:35
  Speaker 6: all about being stable. I want something that I'm like,
• 57:38
  Speaker 6: I know exactly what's going to happen, and what happens
• 57:39
  Speaker 6: if this happens, what about this? And I think in
• 57:42
  Speaker 6: the context of my current life situation and relationship and
• 57:46
  Speaker 6: that kind of thing, I feel really confident that I'm
• 57:48
  Speaker 6: the decision maker in terms of that kind of stuff,
• 57:51
  Speaker 6: and so I'm like, I'm not going to do anything
• 57:52
  Speaker 6: that's going to put our current comfort at risk. So
• 57:55
  Speaker 6: when I think about investing now or in the future,
• 57:58
  Speaker 6: I definitely feel like it's one of those things where
• 58:00
  Speaker 6: I'm like, I want to be able to able to
• 58:03
  Speaker 6: be as well informed as possible, but by people that
• 58:06
  Speaker 6: I trust and people that I think actually care about
• 58:09
  Speaker 6: what I.
• 58:10
  Speaker 3: Want, not what my husband wants.
• 58:13
  Speaker 6: Because there's nothing I hate more than being like, oh, yes,
• 58:16
  Speaker 6: just get your husband to give me a call about
• 58:17
  Speaker 6: your mine in the bin, you go absolutely not ease,
• 58:20
  Speaker 6: not allowed to have any money.
• 58:21
  Speaker 3: It's all mine. He owns his own business, so I
• 58:25
  Speaker 3: have some and he has none. Oh sorry, Michael, I'm
• 58:30
  Speaker 3: looking up there like he's dead.
• 58:31
  Speaker 1: He's not.
• 58:34
  Speaker 6: He's like, yeah, you're dead to me though, So so
• 58:37
  Speaker 6: same but different, I think, And I think also when
• 58:41
  Speaker 6: we talk about investing, we know that every second person
• 58:45
  Speaker 6: on our facebooker, our whatever social media is like I
• 58:47
  Speaker 6: want to tell you about I was like, just let
• 58:49
  Speaker 6: me stop you literally right there, because I don't care
• 58:52
  Speaker 6: about your made up currency.
• 58:54
  Speaker 2: Oh we're talking about that.
• 58:56
  Speaker 3: Oh she had crypto bros. And just go and just
• 59:00
  Speaker 3: keep going forever.
• 59:01
  Speaker 2: Anybody, Yeah, if anybody works in tech and knows how
• 59:04
  Speaker 2: to get rid of those bots that are on every
• 59:06
  Speaker 2: single Instagram post of Sheese on the Money that comments
• 59:10
  Speaker 2: like we're like, hey, financial literacy education, They're like, I
• 59:13
  Speaker 2: have an opportunity for you.
• 59:14
  Speaker 7: First person, first person to reply struggling gets five thousand shekelshit,
• 59:22
  Speaker 7: They're like, I found financial freedom by following.
• 59:25
  Speaker 6: The capital letters brenda, because obviously they're using a spreadsheet
• 59:30
  Speaker 6: to do it, and it doesn't have a lower case.
• 59:32
  Speaker 3: It just caps no.
• 59:34
  Speaker 6: But how do they afford these bots? Literally spend that money?
• 59:37
  Speaker 6: Put it like, put it elsewhere. I was gonna make
• 59:39
  Speaker 6: a recommendation that I'm not going to do that because
• 59:41
  Speaker 6: I am callified to provide financial advice.
• 59:43
  Speaker 3: But i am, but I can't here later for the reasons.
• 59:50
  Speaker 3: That was a joke.
• 59:51
  Speaker 6: And so I think that the idea that you was
• 59:53
  Speaker 6: spend all your money on something like that, it feels
• 59:56
  Speaker 6: like cheap shoes, it feels like cheap handbags, it feels
• 59:59
  Speaker 6: like wastefulness.
• 1:00:01
  Speaker 3: The twenty year old me would have thought it was
• 1:00:02
  Speaker 3: a great idea to buy bots or followers or something,
• 1:00:04
  Speaker 3: and I'm like, terrible plan, terrible plan. You should just
• 1:00:07
  Speaker 3: buy god bullying than just safe and put it in there.
• 1:00:10
  Speaker 3: That is also terrible.
• 1:00:12
  Speaker 2: Again, the legal is is that was a joke. Oh
• 1:00:18
  Speaker 2: my gosh, I just so horrified. I just can't. I'm
• 1:00:22
  Speaker 2: not I'm not horrified.
• 1:00:23
  Speaker 3: Do you know what?
• 1:00:23
  Speaker 2: Gold is a good investment for people who want to
• 1:00:25
  Speaker 2: buy gold? There go, Yeah, I agree with that. Let's
• 1:00:32
  Speaker 2: move to non monetary.
• 1:00:33
  Speaker 3: Let's move away from all of.
• 1:00:36
  Speaker 2: That non monetary.
• 1:00:37
  Speaker 3: Maybe I will refiel my drink. I feel like I
• 1:00:39
  Speaker 3: can only make it. I can do it.
• 1:00:40
  Speaker 2: I can do it for you. While you answer this question,
• 1:00:42
  Speaker 2: I want to know. Investing in yourself is a theme
• 1:00:45
  Speaker 2: that I see consistent in your content, which I am
• 1:00:48
  Speaker 2: obviously very very behind. But what is the best thing
• 1:00:50
  Speaker 2: you have invested in that is not financial?
• 1:00:54
  Speaker 6: When I bought my MacBook, it's going to sound enough now.
• 1:00:57
  Speaker 6: But anyway, here we are, I've ad all of this
• 1:00:59
  Speaker 6: other stuff. I'm going to be worried about this part.
• 1:01:02
  Speaker 6: I felt like that was I was backing myself, which
• 1:01:05
  Speaker 6: I think is part of that You know when you're
• 1:01:07
  Speaker 6: taking a risk, and that for me felt risky to
• 1:01:09
  Speaker 6: spend a couple of grand on this device, and I
• 1:01:11
  Speaker 6: was like, do.
• 1:01:12
  Speaker 3: I really need that? But I'm going to write a book.
• 1:01:14
  Speaker 3: I haven't written it.
• 1:01:17
  Speaker 6: Well, I have done a shit load of emails, I
• 1:01:19
  Speaker 6: tell you no. But I think that was the beginning
• 1:01:22
  Speaker 6: of spending money that I wasn't sure. I was like, oh,
• 1:01:26
  Speaker 6: I don't know if I will ever get anything back
• 1:01:28
  Speaker 6: for this, because I feel like that's what an investment is, right.
• 1:01:30
  Speaker 3: You return on investment.
• 1:01:32
  Speaker 2: Is value that you get.
• 1:01:34
  Speaker 6: But the value and the joy that I got from
• 1:01:36
  Speaker 6: knowing that I had spent that money with the self
• 1:01:38
  Speaker 6: belief that one day I will write a book that
• 1:01:40
  Speaker 6: I type dab typed on that little MacBook and that
• 1:01:44
  Speaker 6: I could run a business and own a business because
• 1:01:46
  Speaker 6: I could do that now because I had a computer
• 1:01:47
  Speaker 6: instead of doing it all on my phone and be
• 1:01:48
  Speaker 6: like my eyes, I seriously so bad. I think that
• 1:01:54
  Speaker 6: was probably one of the biggest investments, and I stand
• 1:01:57
  Speaker 6: by that, like I really feel like that moment when
• 1:02:02
  Speaker 6: I bought it, I've made my husband day visit from you,
• 1:02:04
  Speaker 6: Like the box. I was like, look what I did
• 1:02:07
  Speaker 6: because I was really super proud of being able to
• 1:02:09
  Speaker 6: do it and have money, which like I don't always
• 1:02:13
  Speaker 6: to do that and make a big purchase.
• 1:02:15
  Speaker 3: That felt like, well, this could be a real waste,
• 1:02:18
  Speaker 3: but it wasn't. I love that for me.
• 1:02:21
  Speaker 2: How do we see value the way you see value?
• 1:02:24
  Speaker 2: So you just said before I was really proud of myself.
• 1:02:27
  Speaker 2: You said, you know, I've made this investment in my
• 1:02:30
  Speaker 2: future career. I feel like something that you know, I've
• 1:02:33
  Speaker 2: struggled with historically, and a lot of people in our
• 1:02:36
  Speaker 2: community have struggled with, is just being able to be
• 1:02:39
  Speaker 2: proud of ourselves. Like there's this underlying feeling that maybe
• 1:02:43
  Speaker 2: it's not enough. How do you get through that? Because
• 1:02:46
  Speaker 2: I feel like you you know exude positivity and you're like,
• 1:02:50
  Speaker 2: I'm so proud of myself. I've done this, Like this
• 1:02:51
  Speaker 2: is sick, Like you took a photo with the MacBook box.
• 1:02:56
  Speaker 2: How do I be that proud of myself? How do
• 1:02:58
  Speaker 2: we be that proud of ourselves, like taking a step
• 1:03:01
  Speaker 2: that we weren't entirely sure of.
• 1:03:03
  Speaker 6: I mean, I think the reason that we don't feel
• 1:03:06
  Speaker 6: that way is probably internalized.
• 1:03:08
  Speaker 3: Capitalism, because we never feel like we're enough.
• 1:03:11
  Speaker 6: And that's why people like Jeff Bezos exist and so.
• 1:03:18
  Speaker 3: He exists. It's a fact. There's nothing I can do
• 1:03:20
  Speaker 3: about it, or is there.
• 1:03:24
  Speaker 6: I want to say, And I want to say this
• 1:03:27
  Speaker 6: without sounding like I'm trying to turn it into a
• 1:03:29
  Speaker 6: wittness'sm I'm not lower your standards around what you think
• 1:03:34
  Speaker 6: is worthwhile and valuable, around what you think is worth
• 1:03:37
  Speaker 6: your time, lower the expectations that you have that we're
• 1:03:42
  Speaker 6: probably given to you as a child.
• 1:03:44
  Speaker 3: And some of us would say we could talk more
• 1:03:46
  Speaker 3: about it in therapy.
• 1:03:48
  Speaker 6: About the reasons that we assign value to the things
• 1:03:51
  Speaker 6: that we do that are so beyond day.
• 1:03:54
  Speaker 2: To day life.
• 1:03:56
  Speaker 3: This is a huge achievement.
• 1:03:58
  Speaker 6: You wrote a book, You're on two fabulous shoes, thanks
• 1:04:02
  Speaker 6: bab all achievements.
• 1:04:05
  Speaker 2: But also many of the shoes, right, especially the shoes.
• 1:04:08
  Speaker 3: I mean my chef's kiss.
• 1:04:11
  Speaker 2: They do get a little bit foggy. I don't know
• 1:04:12
  Speaker 2: if you can see my shoes.
• 1:04:14
  Speaker 6: She's really alive, that she's not a bosch. And so
• 1:04:20
  Speaker 6: I told you I was funny.
• 1:04:23
  Speaker 3: They love me and you'll get your check at the end.
• 1:04:28
  Speaker 6: So I think be able to fully comprehend that your
• 1:04:32
  Speaker 6: joy has value, your time has value. What you care
• 1:04:36
  Speaker 6: about is important. If it is important to you, it's important.
• 1:04:40
  Speaker 6: The fact that other people will be like, oh, yeah,
• 1:04:42
  Speaker 6: but do you have ten million dollars?
• 1:04:44
  Speaker 3: No, and neither does a guy that hacked opt Us.
• 1:04:46
  Speaker 4: So maybe soon though.
• 1:04:54
  Speaker 2: He might though, although.
• 1:04:59
  Speaker 4: That's what I think.
• 1:05:00
  Speaker 2: We're going to see an issue of a statement from
• 1:05:03
  Speaker 2: some kid where his mum's holding his ears.
• 1:05:05
  Speaker 3: I have anyone in his rooms and the movie Hackers anyone?
• 1:05:09
  Speaker 3: Yeah right. I feel like that guy watched Austin.
• 1:05:11
  Speaker 6: Powers and The Hackers back to back because he was
• 1:05:13
  Speaker 6: like one milliondler, isn't He's like no, no, no, no, no
• 1:05:15
  Speaker 6: no no.
• 1:05:16
  Speaker 2: I was joking. Here goes hey, don't joke about it.
• 1:05:20
  Speaker 2: Our team are literally, I'm not. I'm not with Optis
• 1:05:23
  Speaker 2: Nova Flex. I went with a cheaper carrier.
• 1:05:27
  Speaker 3: I went with the most expensive one because I'm a dick.
• 1:05:29
  Speaker 3: Any likes money, don't tell me.
• 1:05:32
  Speaker 2: But some of our team are genuinely concerned about this.
• 1:05:37
  Speaker 2: Is anyone else with optics, Like I'm yeah, okay, everyone's nodding. Oh,
• 1:05:41
  Speaker 2: I mean sorry about that. Sorry about your data?
• 1:05:46
  Speaker 3: Terrible news.
• 1:05:47
  Speaker 4: Don't worry.
• 1:05:48
  Speaker 2: Don't worry. We're going to do a bonus podcast really
• 1:05:50
  Speaker 2: soon about like how to protect your data, because that's
• 1:05:53
  Speaker 2: actually with four.
• 1:05:54
  Speaker 3: Quick tips on how to protect the th Thank you.
• 1:05:58
  Speaker 2: That was mis Jess.
• 1:06:00
  Speaker 6: And I think it's really brilliant that they are like, here,
• 1:06:02
  Speaker 6: have access to your credit file, and most people are like,
• 1:06:04
  Speaker 6: what's a credit file?
• 1:06:05
  Speaker 3: And I love that because.
• 1:06:06
  Speaker 2: Hey, bring it to the mainstream, babes, come on down.
• 1:06:11
  Speaker 2: But I think it's really important to talk about this stuff.
• 1:06:14
  Speaker 2: And you know, our team are impacted by it as
• 1:06:17
  Speaker 2: well as our community. And I guess that's the summary
• 1:06:20
  Speaker 2: of it. Like you're cool. You're way cooler than I
• 1:06:22
  Speaker 2: ever thought I could be, which I can't be. But
• 1:06:25
  Speaker 2: you're just you, just you.
• 1:06:28
  Speaker 3: Perst guys are really cool too.
• 1:06:30
  Speaker 2: But no, but it's one of those things like we
• 1:06:33
  Speaker 2: share common problems, like we share experiences, and I think
• 1:06:37
  Speaker 2: sometimes when you see three people on a stage with
• 1:06:40
  Speaker 2: some microphones, you go, oh, they must have their shit together.
• 1:06:44
  Speaker 6: I probably wouldn't thought that until gave us the fancy champagne.
• 1:06:48
  Speaker 2: Yeah, okay, would you say that you're someone who has
• 1:06:54
  Speaker 2: their stuff together? Like I feel like socially, like we
• 1:06:57
  Speaker 2: look at social media and you look like you have
• 1:07:00
  Speaker 2: your stuff together.
• 1:07:01
  Speaker 3: She doesn't watch my stories. I do. I'm a creep chaos.
• 1:07:08
  Speaker 6: Stemen, a chaos demen, but with an attitude. I think
• 1:07:11
  Speaker 6: that I don't have my stuff together? But who does
• 1:07:14
  Speaker 6: people who say they've got it all sorted?
• 1:07:16
  Speaker 3: Do you though?
• 1:07:17
  Speaker 6: Because I feel like most of those people are men
• 1:07:20
  Speaker 6: and they don't carry them mental load. Everything's under control?
• 1:07:25
  Speaker 3: Or really?
• 1:07:25
  Speaker 5: Is that because like your wife took care of it, brother, clap,
• 1:07:36
  Speaker 5: you're not wrong.
• 1:07:39
  Speaker 2: I saw a meme the other.
• 1:07:41
  Speaker 6: Day the pretty much listen if the podcast will not
• 1:07:44
  Speaker 6: understand the second LF I looked up as if I
• 1:07:46
  Speaker 6: was walking at my omnipotent husband.
• 1:07:49
  Speaker 2: You're pointing to people in the crowd. She's going to
• 1:07:51
  Speaker 2: be the worst recording.
• 1:07:54
  Speaker 6: Honestly, we'll have to do a like full image description of.
• 1:07:57
  Speaker 2: The entire that's all right about it, We'll do it.
• 1:08:01
  Speaker 3: Accessibility is the tits.
• 1:08:04
  Speaker 2: Yeah, describe that.
• 1:08:12
  Speaker 3: I can't wait came for.
• 1:08:16
  Speaker 2: Because I'm sorry, and you're welcome if you came for
• 1:08:20
  Speaker 2: genuine financial literacy. I feel like, just read the book,
• 1:08:25
  Speaker 2: because that's this isn't what's in the book.
• 1:08:29
  Speaker 3: I haven't. I've definitely read it.
• 1:08:33
  Speaker 4: Before we let you go. I just wanted to talk
• 1:08:36
  Speaker 4: a little bit more about kind of a place where
• 1:08:39
  Speaker 4: your passion comes from, about visibility and diversity and accessibility
• 1:08:43
  Speaker 4: and inclusivity, because I think like the big reason that
• 1:08:47
  Speaker 4: we're talking about investing is so much is because we
• 1:08:49
  Speaker 4: want that to be accessible, but there are so many
• 1:08:52
  Speaker 4: other facets of life where that's not the case. And
• 1:08:55
  Speaker 4: we were having a really good conversation about it backstage,
• 1:08:58
  Speaker 4: and I thought, just before we wrap up, I would
• 1:08:59
  Speaker 4: really like to share that with everybody because they think
• 1:09:02
  Speaker 4: it really leans into having those open conversations regularly and
• 1:09:07
  Speaker 4: normalizing it. And I think you have a really hot
• 1:09:10
  Speaker 4: take to share with us, So I want to do
• 1:09:12
  Speaker 4: it on stage, if that's all right.
• 1:09:13
  Speaker 3: Sure.
• 1:09:14
  Speaker 6: So I think what you're referring to is what we
• 1:09:16
  Speaker 6: discussed about the fact that people who live in bigger bodies,
• 1:09:19
  Speaker 6: or in my case, fat people because I'm not scared
• 1:09:21
  Speaker 6: of the web fun are often excluded from financial opportunities.
• 1:09:25
  Speaker 6: In the workplace, Almost fifty percent of employers have admitted
• 1:09:28
  Speaker 6: that they hold a level of subconscious bias.
• 1:09:31
  Speaker 3: Around hiring people who are, in their eyes, overweight. So
• 1:09:35
  Speaker 3: there's a.
• 1:09:35
  Speaker 2: Higher likelihood that people who are fat will get.
• 1:09:40
  Speaker 6: Less employment opportunities, less promotion opportunities, will be considered less
• 1:09:45
  Speaker 6: intelligent by their peers and superiors. And so I think
• 1:09:49
  Speaker 6: we're talking about investment, and we're talking about money. The
• 1:09:52
  Speaker 6: idea that we at the very core of even getting money,
• 1:09:55
  Speaker 6: how do you get money to invest? You don't always
• 1:09:58
  Speaker 6: have an inheritance or a lot of win or some
• 1:10:00
  Speaker 6: other made up thing that you dream about when you're
• 1:10:02
  Speaker 6: a kid that gives you instant bank account. Mario, buddy load,
• 1:10:08
  Speaker 6: that's right, that noise when the Maria, you know when I'm.
• 1:10:11
  Speaker 3: Not gonna do it, it's fine.
• 1:10:13
  Speaker 6: And I think that the idea that we are already
• 1:10:16
  Speaker 6: disadvantaged in that way, And I know that I'm thinking
• 1:10:19
  Speaker 6: very about this particular niche of people because it's where
• 1:10:22
  Speaker 6: I hang out being a fat brown person and a woman,
• 1:10:25
  Speaker 6: a non man.
• 1:10:26
  Speaker 4: Like the trithecta.
• 1:10:27
  Speaker 3: Oh, I mean, oh, there's a lot of intersections. It's
• 1:10:31
  Speaker 3: like a cobweb.
• 1:10:32
  Speaker 6: There are as many intersections as there are people, and
• 1:10:34
  Speaker 6: there are also in that same vein as many opportunities
• 1:10:38
  Speaker 6: for someone to choose to I mean, if we're gonna
• 1:10:41
  Speaker 6: talk red pill, blue pill, I guess that choice of
• 1:10:44
  Speaker 6: will I give this person a chance because they're the
• 1:10:46
  Speaker 6: best person for the job, or will I lean into
• 1:10:47
  Speaker 6: my unconscious bias and just do what feels right or
• 1:10:49
  Speaker 6: what I've been influenced to do by other people.
• 1:10:51
  Speaker 3: Because people are like not all of them, but lots
• 1:10:53
  Speaker 3: of them are terrible.
• 1:10:55
  Speaker 6: Then I think we know that the opportunities for someone
• 1:10:58
  Speaker 6: like me to become an at an age where I
• 1:11:02
  Speaker 6: feel like I have a long future of stable financial
• 1:11:09
  Speaker 6: confidence in what I've invested in is lowered instantly for
• 1:11:13
  Speaker 6: me because.
• 1:11:14
  Speaker 3: Of that simple factor.
• 1:11:16
  Speaker 6: And it's not something that has any real effect on
• 1:11:19
  Speaker 6: my ability to be a good employee or be someone
• 1:11:21
  Speaker 6: worthwhile of earning the same amount of money as someone else,
• 1:11:24
  Speaker 6: But in other people's lives, potentially it could be so
• 1:11:27
  Speaker 6: I think it's important for us to recognize that conversations
• 1:11:29
  Speaker 6: about investments start with money, and money starts with how
• 1:11:33
  Speaker 6: you get money, and.
• 1:11:34
  Speaker 3: That affects people differently. So I think that's something to
• 1:11:38
  Speaker 3: keep in mind.
• 1:11:39
  Speaker 6: And I think also the idea of our wealth, what
• 1:11:43
  Speaker 6: we perceive to be wealth, when we have a slightly
• 1:11:46
  Speaker 6: different view on that as well, what makes us wealthy?
• 1:11:49
  Speaker 6: I think investing so that you have financial security is
• 1:11:53
  Speaker 6: a key part of that, a cornerstone of that, because
• 1:11:55
  Speaker 6: that allows you to be able to be more flexible
• 1:11:57
  Speaker 6: with the other ways that you spend money, spend time
• 1:12:00
  Speaker 6: and effort and energy.
• 1:12:02
  Speaker 4: Yeah, and you're so right, Like we talk about how
• 1:12:04
  Speaker 4: women are behind the eight ball financially, and we know
• 1:12:07
  Speaker 4: that the statistics show us that, but we don't talk
• 1:12:09
  Speaker 4: about enough how women of color are two steps behind again,
• 1:12:14
  Speaker 4: and we don't even have as much data to back
• 1:12:16
  Speaker 4: that up, because when we do the research to find
• 1:12:18
  Speaker 4: that out, the data doesn't break it down that deeply,
• 1:12:22
  Speaker 4: and it becomes even harder to then identify these nuances
• 1:12:26
  Speaker 4: within society where people are not receiving the same advantages
• 1:12:29
  Speaker 4: and they can't get as far ahead, and then it
• 1:12:31
  Speaker 4: feeds into a narrative of oh, well, maybe it's your fault,
• 1:12:35
  Speaker 4: maybe it's something that you did or a choice that
• 1:12:37
  Speaker 4: you made. And I think that it's really hard to
• 1:12:39
  Speaker 4: overcome that I don't have an answer, and I wish
• 1:12:42
  Speaker 4: that I did. And as I'm speaking, I'm like, well,
• 1:12:44
  Speaker 4: where's the nice bow on the end of this where
• 1:12:47
  Speaker 4: you say, well, this is how we fix that? And
• 1:12:49
  Speaker 4: I don't think that there is one, but I think
• 1:12:51
  Speaker 4: people like April who are talking about it so vocally,
• 1:12:54
  Speaker 4: and people like us who continue to have those conversations
• 1:12:57
  Speaker 4: and showing the spotlight on I think it's really important
• 1:12:59
  Speaker 4: because in a dream world, we'd all have everything that
• 1:13:03
  Speaker 4: we want and that bias wouldn't impact those decisions and
• 1:13:07
  Speaker 4: the employer would hire the best person for the job.
• 1:13:09
  Speaker 4: And it sucks that some people have to fight harder
• 1:13:13
  Speaker 4: and longer the less. And I don't know what the
• 1:13:15
  Speaker 4: answer to that is, but I like to think that
• 1:13:18
  Speaker 4: everyone being here and everyone talking about it is helping
• 1:13:20
  Speaker 4: at least a little bit.
• 1:13:21
  Speaker 6: Absolutely, And I think that being able to have a
• 1:13:25
  Speaker 6: thought that you couldn't have before because you didn't have
• 1:13:28
  Speaker 6: any knowledge, understanding or experience.
• 1:13:31
  Speaker 3: You know, when we think.
• 1:13:32
  Speaker 6: About like we talked just briefly about accessibility. When that's
• 1:13:36
  Speaker 6: something that comes into your mind because it's part of
• 1:13:38
  Speaker 6: how you live, that's better, that's better than it was,
• 1:13:43
  Speaker 6: and that like miles to go before we sleep. But still,
• 1:13:48
  Speaker 6: when we're thinking about the ways that we can ensure
• 1:13:50
  Speaker 6: that we are doing the most, we will do more.
• 1:13:53
  Speaker 3: And when you know better, you do better.
• 1:13:56
  Speaker 2: I love that. I feel like this is arguably a
• 1:13:59
  Speaker 2: perfect place to leave this because from my perspective, same
• 1:14:03
  Speaker 2: as you, just like, there is no like golden egg
• 1:14:06
  Speaker 2: and answer to this. But I think small steps are
• 1:14:09
  Speaker 2: still steps in the right direction. And if we all,
• 1:14:13
  Speaker 2: I guess, commit to doing the best we possibly can,
• 1:14:16
  Speaker 2: that's all we can really ask of people, because you, again,
• 1:14:19
  Speaker 2: you just don't know what you don't know when it
• 1:14:21
  Speaker 2: comes to accessibility, Like I have learned so much in
• 1:14:24
  Speaker 2: the last twelve months just even introducing events to our
• 1:14:28
  Speaker 2: community where you know, I have these beautiful community members
• 1:14:31
  Speaker 2: that need different accessibility and I want to provide it.
• 1:14:36
  Speaker 2: But the idea that that's not stock standard blows my mind.
• 1:14:40
  Speaker 2: So yeah, I think let's wrap it up here. You
• 1:14:43
  Speaker 2: know how, at the end of every single podcast, we
• 1:14:45
  Speaker 2: like wrap the boring, but important stuff. Do you guys
• 1:14:47
  Speaker 2: want us to do it now? Or do you want
• 1:14:49
  Speaker 2: us to like wait until after we do it? Now?
• 1:14:52
  Speaker 2: Do it now?
• 1:14:53
  Speaker 4: Yes?
• 1:14:54
  Speaker 2: Yes, she thought, she was like, oh, we'll just record
• 1:14:58
  Speaker 2: that later in Joperty in the all right, all right,
• 1:15:01
  Speaker 2: wrap the boring but important stuff.
• 1:15:03
  Speaker 4: All right, everybody, please don't forget the advice shared on Cheese.
• 1:15:06
  Speaker 4: On the Money is general in nature and does not
• 1:15:08
  Speaker 4: consider your individual circumstances. She's on the money exists purely
• 1:15:12
  Speaker 4: for educational purposes and should not be relied upon to
• 1:15:15
  Speaker 4: make an investment or a financial decision. And we promise.
• 1:15:18
  Speaker 4: Victoria Divine is an authorized representative of Infocused Securities Australia
• 1:15:23
  Speaker 4: Proprietary Limited.
• 1:15:25
  Speaker 3: Three four three.
• 1:15:27
  Speaker 2: Two four six three zero five seven.
• 1:15:29
  Speaker 4: Oh I knew there was a seven. I really didn't
• 1:15:33
  Speaker 4: not putting that on there.
• 1:15:34
  Speaker 2: I help, did I helped?
• 1:15:37
  Speaker 4: Guys.
• 1:15:38
  Speaker 2: I cannot believe that all my best friends came to
• 1:15:41
  Speaker 2: hang out with us in Sydney, Like, stop laughing, it's
• 1:15:44
  Speaker 2: not funny, but I'm genuinely so grateful that you all
• 1:15:48
  Speaker 2: came to come to an investing book launch, like.
• 1:15:51
  Speaker 3: Blame you nothing else?
• 1:15:56
  Speaker 2: Are you are right?
• 1:15:58
  Speaker 4: And on that note, thank you, so very much for
• 1:16:00
  Speaker 4: joining us. We hope to see a bunch of you outside.
• 1:16:02
  Speaker 4: Thank you, April, and thank you