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Transcript

Salary or Sanity? · 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 Whalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money. She's on the Money.
• 0:57
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 2: for millennials who want financial freedom. I'm sick today, but
• 1:04
  Speaker 2: we're still showing up so that next week the rest
• 1:07
  Speaker 2: of the team will also be sick. Today, my friends,
• 1:10
  Speaker 2: is Friday, which means it is time to get my
• 1:12
  Speaker 2: little soon to be sick team together and celebrate you
• 1:16
  Speaker 2: our incredible She's on the Money community Today, Mis j
• 1:19
  Speaker 2: Just Grich is going to be sharing our favorite money
• 1:21
  Speaker 2: wins and confessions from the community. Miss Bech Sayed is
• 1:24
  Speaker 2: going to be sharing her broke tips and our newest jingle.
• 1:28
  Speaker 2: We're going to be helping to answer juicy money dilemma,
• 1:30
  Speaker 2: which this week is all about how to just start saving.
• 1:33
  Speaker 2: And we're going to be unpacking something that you slid
• 1:36
  Speaker 2: into our DMS about and this week we're talking about
• 1:38
  Speaker 2: whether you should prioritize a good culture at work over
• 1:42
  Speaker 2: a good salary. Miss Bech sayed, how has your week been?
• 1:47
  Speaker 4: High?
• 1:47
  Speaker 1: V D?
• 1:48
  Speaker 2: Good? Good week?
• 1:49
  Speaker 5: What have I done? I can't remember it better? I
• 1:51
  Speaker 5: think you can't remember it. No, it's been really quiet.
• 1:55
  Speaker 5: Actually it's been a real quiet, chill, wholesome week.
• 1:57
  Speaker 2: You know that's good. Sometimes juice, no juice at all.
• 2:01
  Speaker 2: I'm going to try and talk as little as possible
• 2:03
  Speaker 2: in this episode because I sound terrible. Oh gosh, ten
• 2:07
  Speaker 2: out of ten can recommend. I'm not even actually sick.
• 2:11
  Speaker 2: I just had croup and I have a what would
• 2:14
  Speaker 2: you say, a remnants of croup cough or very attractive
• 2:19
  Speaker 2: if you're thinking, wow, V I thought that only Toddler's
• 2:22
  Speaker 2: got croup.
• 2:23
  Speaker 6: Gone wrong?
• 2:24
  Speaker 2: You thought wrong? Toddler's and Miss Victoria Divine get croup.
• 2:28
  Speaker 2: It's very attractive.
• 2:30
  Speaker 7: Jessica, how have you been this week I've been good
• 2:33
  Speaker 7: just bopping along. I had so much fun this morning
• 2:37
  Speaker 7: because we got to test our friend Sammy's new workout regime.
• 2:41
  Speaker 7: And I've said before not a Jim Gurley right, not
• 2:45
  Speaker 7: the vibe, not for me very I.
• 2:47
  Speaker 2: Did convince you one time to do a pilates class
• 2:50
  Speaker 2: via zoom during lockdown.
• 2:52
  Speaker 7: This is a vibe that Sammy's thing gives me because
• 2:54
  Speaker 7: there's a whole forty five minute thirteen song workout and so,
• 2:59
  Speaker 7: like I have, I'm sore today, I ache, I really
• 3:02
  Speaker 7: am in a lot of pain. But I bought the
• 3:04
  Speaker 7: thing because friends port friends and buy their friends stuff.
• 3:06
  Speaker 7: You don't expect it for free. And I had a
• 3:08
  Speaker 7: lot of fun and I'm so excited looking forward to
• 3:10
  Speaker 7: getting back into exercising again without feeling embarrassed. And there's
• 3:14
  Speaker 7: heaps of other stuff on there, but yeah, little plug,
• 3:16
  Speaker 7: she's our friend.
• 3:17
  Speaker 2: Oh good, And it's a lot of fun.
• 3:19
  Speaker 7: If you're someone who just likes to dance around and
• 3:21
  Speaker 7: you lounge and have a good time and call that exercise,
• 3:24
  Speaker 7: you know what it is.
• 3:25
  Speaker 2: Yeah, she's an absolute legend. We'll actually put a link
• 3:27
  Speaker 2: in our show notes so that you can still love that. Yeah, Well,
• 3:30
  Speaker 2: I mean it wasn't so that she could love it.
• 3:32
  Speaker 2: It was actually so that our community could love on her. Yeah,
• 3:34
  Speaker 2: and so we can find it easily. Do you know what.
• 3:37
  Speaker 2: I had a bit of a conundrum this week. I
• 3:39
  Speaker 2: had a lot of email replies to our newsletter last Friday.
• 3:42
  Speaker 2: So today is Friday, which means that about lunchtime, probably
• 3:45
  Speaker 2: more close to three pm. Because that's how I roll
• 3:48
  Speaker 2: at the moment, I will send out our newsletter. And
• 3:50
  Speaker 2: last week I did the same thing. I was sitting
• 3:52
  Speaker 2: on the plane on the way back from Sydney and
• 3:54
  Speaker 2: I was like smashing out the newsletter and I thought
• 3:56
  Speaker 2: I was so funny because this week I recommended my
• 3:59
  Speaker 2: favorite food, which you do will know is frozen mashed potatoes,
• 4:03
  Speaker 2: absolutely amazing, and I was trying to sell the community
• 4:06
  Speaker 2: on them real hard. I was like, they are the
• 4:09
  Speaker 2: best thing in this entire world, right, and if you
• 4:12
  Speaker 2: haven't subscribed to our newsletter, well you're in for a shock.
• 4:15
  Speaker 2: It's not that much about financial literacy. It's relatively rogue. Yeah,
• 4:20
  Speaker 2: we recap the week that was, Yeah, we have money
• 4:22
  Speaker 2: tips and tricks, but there's also Victoria's unsolicited recommendation where
• 4:27
  Speaker 2: it's very unsolicited, and to be honest, my aim with
• 4:30
  Speaker 2: that is to waste as much of your time as possible.
• 4:33
  Speaker 2: So fun way, yeah, in a fun way. And you
• 4:35
  Speaker 2: know what, I've probably had fifteen dms this week from
• 4:37
  Speaker 2: people being like, ve these spash potatoes changed my life,
• 4:41
  Speaker 2: and I'm like, I know, that's why I recommended it.
• 4:44
  Speaker 2: But at the end of that recommendation I said that
• 4:47
  Speaker 2: I had been eating it with a side of dead horse.
• 4:51
  Speaker 2: I can see how that would confuse a lot of it.
• 4:52
  Speaker 6: Ah.
• 4:53
  Speaker 2: Yeah, And so we've had aren't you a vegan? Yeah,
• 4:56
  Speaker 2: we've had a fifty plus email response from people being
• 5:00
  Speaker 2: like the not only did we think that you didn't
• 5:03
  Speaker 2: eat meat, but also horseting choice.
• 5:07
  Speaker 5: Interesting choice, and to confirm that it is in fact dead.
• 5:13
  Speaker 2: And I was very confused because I thought it was
• 5:16
  Speaker 2: just a term that everyone's, you know, parental figure used
• 5:19
  Speaker 2: to refer to tomato sauce. Is this something that I
• 5:24
  Speaker 2: had just been living and nobody else had been living
• 5:27
  Speaker 2: or had you heard of the concept of dead horse
• 5:31
  Speaker 2: being tomato sauce? No?
• 5:33
  Speaker 5: I had never you my dad had.
• 5:35
  Speaker 7: I'm pretty sure it's Cockney, which is English, and my
• 5:38
  Speaker 7: dad is English, so that might be yeah.
• 5:41
  Speaker 2: The writing slang.
• 5:42
  Speaker 7: I think it is something like that, which is, yeah,
• 5:44
  Speaker 7: you just replaced like the starts of like Schmeiler swift,
• 5:47
  Speaker 7: like you just you, You're replacing it with something else,
• 5:50
  Speaker 7: tomato sauce, dead horse.
• 5:51
  Speaker 2: You knew what I was talking about. I thought everyone
• 5:54
  Speaker 2: would know what I was talking about. Turns out I
• 5:56
  Speaker 2: off ended a very large population of our community, for
• 5:59
  Speaker 2: which I do apologize. I was actually referring to tomato sauce. Also,
• 6:04
  Speaker 2: I did think, up until this week that everybody in
• 6:07
  Speaker 2: every family called the catalogs that are put in your
• 6:10
  Speaker 2: mailbox unsolicited were called cattle dogs. Oh I haven't heard
• 6:14
  Speaker 2: that much never Okay, so it's just me and my
• 6:16
  Speaker 2: dad from Tasmania that use this type of terminology. I
• 6:20
  Speaker 2: will continue to use this type of language in the
• 6:22
  Speaker 2: newsletter to confuse you. I mean, it's probably just really
• 6:24
  Speaker 2: good for engagement, but it's probably just letting you in
• 6:27
  Speaker 2: on the side of me. That's maybe a little bit
• 6:29
  Speaker 2: more Bogan than you thought it was. And I'm not mad.
• 6:32
  Speaker 2: So let's move on, because I want to know, Jess.
• 6:35
  Speaker 2: I feel like that was a loss for me this week.
• 6:37
  Speaker 2: But how has our community been winning?
• 6:40
  Speaker 7: So the first one this week comes from Ebody, who
• 6:42
  Speaker 7: said money and life win. After months of searching, I
• 6:45
  Speaker 7: had a new housemate move in. Now I'm no longer
• 6:47
  Speaker 7: paying three hundred and seventy dollars a week rent solo
• 6:50
  Speaker 7: and she's absolutely lovely and he's going to help me
• 6:52
  Speaker 7: look after my cat while I'm away next week visiting family.
• 6:55
  Speaker 7: Have you more money and have a little bit more
• 6:57
  Speaker 7: flexibility to say yes to things like the cheeky coffee
• 7:00
  Speaker 7: during the week.
• 7:00
  Speaker 2: Oh and your cat's probably going to be happy with
• 7:02
  Speaker 2: someone they know, extra company. We love a cat win.
• 7:06
  Speaker 7: My next money win comes from Alana, who said money
• 7:08
  Speaker 7: win after cheers is a regular casual at my job.
• 7:11
  Speaker 7: My boss has given me a full time contract to
• 7:13
  Speaker 7: start once my maternity leave finishes. And it's so much
• 7:16
  Speaker 7: more than I was going to ask for, so that's
• 7:18
  Speaker 7: also a nice positive.
• 7:19
  Speaker 2: Congrab cool, very exciting.
• 7:21
  Speaker 7: My next money win is from Tess, who said money
• 7:23
  Speaker 7: and a heart win. Instead of buying expensive flower decals
• 7:27
  Speaker 7: for my daughter's bedroom when I was redecorating, I was
• 7:29
  Speaker 7: looking at spending one hundred and fifty to two hundred dollars,
• 7:32
  Speaker 7: I decided to get creative and paint the flowers myself
• 7:35
  Speaker 7: twenty six dollars in paint from Bunnings later, and the
• 7:38
  Speaker 7: end result has far exceeded my expectations. And my darling
• 7:41
  Speaker 7: baby girl now gets to go to her room every
• 7:43
  Speaker 7: night and touch the flowers and giggle and smile. And
• 7:45
  Speaker 7: I was just like them all something I've ever read.
• 7:47
  Speaker 2: That she DMed it to me as well. I loved
• 7:50
  Speaker 2: it so sweet and protein.
• 7:52
  Speaker 7: If you're doing something like that, don't buy a big
• 7:54
  Speaker 7: tub of paint, buy a sample pot.
• 7:55
  Speaker 2: Sample pots go a long way, and they're like eight
• 7:57
  Speaker 2: bucks a pot, genius. If ever I need to do
• 8:00
  Speaker 2: di y anything, Beck, I actually just called Jess weekend.
• 8:03
  Speaker 2: I don't care. Yes, I need your tips and tricks.
• 8:06
  Speaker 7: I live for it. And I'm very excited to see
• 8:08
  Speaker 7: all the stuff that you start doing in your Renno.
• 8:11
  Speaker 2: Oh, don't even start me. It is so overwhelming. And
• 8:13
  Speaker 2: when she says see, she means what you do the
• 8:17
  Speaker 2: things I told you to do, Victoria. Oh wait, I'm
• 8:19
  Speaker 2: gonna last that she means. That's exactly what she means.
• 8:22
  Speaker 7: Beck, Next, money means from Maddie who said money win.
• 8:24
  Speaker 7: There were thirty nuggets in my twenty four nugget Pat.
• 8:27
  Speaker 2: What that is a money win? Big win? All right?
• 8:30
  Speaker 2: But at what point do you stop counting how many
• 8:33
  Speaker 2: nuggets are in the nugget box? I've never counted my nuggets? Yeah,
• 8:37
  Speaker 2: did she sit down and count thirty or did she
• 8:39
  Speaker 2: count her bite?
• 8:40
  Speaker 1: Like?
• 8:40
  Speaker 2: How did you just? I don't know.
• 8:42
  Speaker 7: I mean, if you're buying that many, maybe you're sharing
• 8:44
  Speaker 7: them and you're splitting them up, and so you start
• 8:46
  Speaker 7: fifteen and ah, yeah, money split a twenty four pack.
• 8:51
  Speaker 2: I'm so sorry to avenge you that way. Oh my gosh, Beck,
• 8:54
  Speaker 2: have you never shared a twenty four pack of nuggets?
• 8:57
  Speaker 2: It's something so one of the true joys in life. Wow,
• 9:00
  Speaker 2: I hope you try it one day. I hope one
• 9:02
  Speaker 2: day you experienced that type of joy. I just said fifty.
• 9:06
  Speaker 5: I don't know if she's talking about fifty pack on
• 9:08
  Speaker 5: the road and that's okay. Oh you'd split a fifty,
• 9:10
  Speaker 5: Sure you'd slit a fifty, but not a twenty four.
• 9:12
  Speaker 2: But not a twenty four. Can you buy a fifty
• 9:14
  Speaker 2: pack of nuggets? I think that no idea. And I'm
• 9:17
  Speaker 2: I'm sure you could purchase fifty nuggets, But like a box,
• 9:20
  Speaker 2: do you just go to macas and be like, Hi, yep,
• 9:22
  Speaker 2: I'll get the fifty nugget pack and they're like, sure,
• 9:26
  Speaker 2: I'm concerned. Move on, Jessica, what else have you got? Next?
• 9:29
  Speaker 7: Up, we have Morgan who said money loss slash money
• 9:31
  Speaker 7: in recently purchased a sewing machine for my husband and
• 9:34
  Speaker 7: I to build some more skills and handmake some projects
• 9:37
  Speaker 7: and clothes through our daughter. We took advantage of a
• 9:39
  Speaker 7: sale at Spotlight and got over four hundred dollars worth
• 9:41
  Speaker 7: of fabrics and patterns for only seventy.
• 9:43
  Speaker 2: Three How good is that? Do you know what? Another
• 9:46
  Speaker 2: hot tip is if you're looking for fabrics op shops
• 9:50
  Speaker 2: genus tablecloths, sheets, literally, old off cuts of fabrics always
• 9:56
  Speaker 2: end up there and they are so cheap. So if
• 9:58
  Speaker 2: you've got like a project, maybe want a little bit
• 10:01
  Speaker 2: of a different fabric, or you're just testing, off to
• 10:04
  Speaker 2: the upshop, you go. My friend, I want to know
• 10:06
  Speaker 2: how Morgan, you're planning on learning? Is there like an
• 10:09
  Speaker 2: online thing? Because I've always wanted to learn and it's
• 10:11
  Speaker 2: hard to find somewhere to go and learn as an adult.
• 10:14
  Speaker 2: But I'll just teach you. I've already said I'm going
• 10:16
  Speaker 2: to teach jess how to sew properly because she drops
• 10:19
  Speaker 2: off her pants to me and then I take up
• 10:21
  Speaker 2: the ymns and return them because heming pants is really expensive.
• 10:25
  Speaker 2: And we save money in any way, shape or form
• 10:28
  Speaker 2: that we can in this team, and that includes making
• 10:31
  Speaker 2: Victoria do your sewing.
• 10:32
  Speaker 7: She does full service service, just drop it off, same
• 10:38
  Speaker 7: day service.
• 10:38
  Speaker 2: Actually, yeah, you got to stay. We get rid of it. Yeah,
• 10:43
  Speaker 2: she does it all.
• 10:44
  Speaker 7: My last money in this week comes from Amy, who
• 10:46
  Speaker 7: said I said it on a block of land and
• 10:47
  Speaker 7: I bought a puppy.
• 10:48
  Speaker 2: What a great week. Look at that face. Oh my god,
• 10:50
  Speaker 2: it's very cute. Do we know that papo's name? No,
• 10:54
  Speaker 2: it wasn't there. I did. Come on, guys, come on, guys.
• 10:57
  Speaker 2: If you're going to post a picture of your dog,
• 10:58
  Speaker 2: I'm going to need all the information. How old is it?
• 11:01
  Speaker 2: What is its name? What's his favorite trade? Where does it?
• 11:04
  Speaker 2: Like it's belly rubs? Like I need all of that information.
• 11:07
  Speaker 2: Otherwise you're doing this community a very big disservice. Absolutely,
• 11:10
  Speaker 2: it's rude. It is rude. Do you know who's not
• 11:14
  Speaker 2: doing our community a disservice? Antoinette? Oh yes, why well?
• 11:20
  Speaker 5: Antoinette is one of our listeners and she so kindly
• 11:24
  Speaker 5: reached out with a really really catchy jingle for Bex
• 11:29
  Speaker 5: broke tips.
• 11:29
  Speaker 2: When you say it really catchy, you mean it's the
• 11:32
  Speaker 2: only one we got. Oh, it's the.
• 11:35
  Speaker 5: Only one we got. Absolutely and also really catchy and
• 11:38
  Speaker 5: not at all familiar.
• 11:39
  Speaker 2: It's made up from scratch. I just want shmalish kind
• 11:43
  Speaker 2: of vibes as a shmaler smift kind vibe.
• 11:46
  Speaker 5: Am.
• 11:46
  Speaker 2: I just like play it. Please play it. Stunning, Let's
• 11:49
  Speaker 2: drop it into the microphone. It's time for the Bes
• 11:52
  Speaker 2: broke tip jingle.
• 11:53
  Speaker 8: B E C S b R ok tips E C
• 12:02
  Speaker 8: S b R okay e tips.
• 12:06
  Speaker 2: I love it.
• 12:07
  Speaker 5: Stunning, amazing, amazing.
• 12:11
  Speaker 2: I wouldn't say no if somebody wanted to remix that
• 12:14
  Speaker 2: for us, I also wouldn't say no. But we appreciate it.
• 12:18
  Speaker 2: I feel like that was a broke jingle. Oh yeah,
• 12:21
  Speaker 2: that was brand so on brand. I traded into it, though, Beck,
• 12:26
  Speaker 2: what have you got for us this week? Okay?
• 12:28
  Speaker 5: So I've got I'll share two of them and then
• 12:30
  Speaker 5: I'll share my own if that works for you.
• 12:32
  Speaker 2: Love Okay.
• 12:33
  Speaker 5: So the first broke Tip is from Cindy Hi, Cindy Hi, Cindy,
• 12:38
  Speaker 5: who says that she goes to the Asian grocer when
• 12:41
  Speaker 5: she's trying to stretch out her last fifteen dollars for
• 12:43
  Speaker 5: the week.
• 12:43
  Speaker 2: Smart, so she'll get.
• 12:44
  Speaker 5: Like a sixty five cents to a dollar fifty packet
• 12:47
  Speaker 5: of instant noodles.
• 12:49
  Speaker 2: Yeah, they're cheaper there too, like very much cheaper.
• 12:53
  Speaker 5: You can probably get something similar from always, but never
• 12:55
  Speaker 5: like sixty fives.
• 12:56
  Speaker 2: No, that's not a thing anymore. But it is the
• 12:58
  Speaker 2: Asian grocery.
• 13:00
  Speaker 5: Absolutely, And she gets a generous bunch of Asian greens
• 13:02
  Speaker 5: for a dollar.
• 13:03
  Speaker 2: That's insane.
• 13:04
  Speaker 3: Dollar.
• 13:05
  Speaker 2: That's actually quite a wholesome meal as well. Yeah, that's
• 13:09
  Speaker 2: actually really good. It's really good. Gets your greens. Greens
• 13:13
  Speaker 2: are good because I have the dumpling rappers too.
• 13:15
  Speaker 7: I used to always love getting like you get just
• 13:17
  Speaker 7: a trey of mince flak what are they five six
• 13:19
  Speaker 7: barks and a thing of the rappers and a thing
• 13:21
  Speaker 7: of your one dollar greens.
• 13:23
  Speaker 2: We would make eighty dumplings one lot.
• 13:27
  Speaker 7: It was crazy because yeah, it's so cheap, and so
• 13:30
  Speaker 7: we would just freeze them, but really good way, like
• 13:32
  Speaker 7: if you do that, stash them away, way cheaper than
• 13:35
  Speaker 7: ordering them.
• 13:36
  Speaker 2: I love that. Oh genius that's a really I'm going
• 13:40
  Speaker 2: to find Jessica's dumpling recipe. I'm going to get it
• 13:43
  Speaker 2: in the newsletter. Oh stunning. It better be good, jess I've.
• 13:47
  Speaker 7: Just said because it is cheap.
• 13:52
  Speaker 2: What else you got?
• 13:53
  Speaker 5: My next broke tip is from Rachel Hi.
• 13:56
  Speaker 2: Rachel, So she.
• 13:56
  Speaker 5: Says that her family by instead of so say you're
• 14:00
  Speaker 5: making meatballs, instead of buying the mints and all the
• 14:02
  Speaker 5: ingredients and everything separately, instead, what her family do They
• 14:05
  Speaker 5: buy ten meat paddies from more words, and then roll
• 14:08
  Speaker 5: them into meatballs.
• 14:09
  Speaker 2: So hey, that's smart.
• 14:11
  Speaker 5: Yeah, I feel like that's a pretty good way to
• 14:13
  Speaker 5: do it because it has all the ingredients in there
• 14:15
  Speaker 5: for you literally just have to take.
• 14:16
  Speaker 2: And also that it's pretty kind of spiced.
• 14:18
  Speaker 7: Yeah, and could you split them back, because like a
• 14:21
  Speaker 7: whole paddy to be one meatball, huge meatball?
• 14:24
  Speaker 8: Yeah, you.
• 14:26
  Speaker 2: Kind a couple of meatballs out of a paddy. That's great,
• 14:29
  Speaker 2: that's a good idea. Adding to that, I remember when
• 14:31
  Speaker 2: I was younger, Mum used to get the flavored sausages
• 14:35
  Speaker 2: and squeeze it out of the sausage casing to put
• 14:38
  Speaker 2: into like pasta bakes and stuff. So like kind of
• 14:41
  Speaker 2: like meatballs, but like a sausage pasta, and therefore you
• 14:44
  Speaker 2: didn't have to spend heaps on like seasonings and flavorings
• 14:47
  Speaker 2: and stuff. So I like the idea of repurposing pre
• 14:51
  Speaker 2: seasoned foods for other reasons.
• 14:54
  Speaker 7: Yes, and then you can split it so that you
• 14:56
  Speaker 7: get more mileage out of it, which is always a
• 14:58
  Speaker 7: great thing.
• 14:58
  Speaker 2: Well ten dollar meal right there. Yeah, yeah, yeah, I
• 15:01
  Speaker 2: love that. So my tip of the week, Oh yeah,
• 15:05
  Speaker 2: we've been waiting left it till last. It's not going
• 15:08
  Speaker 2: to be as dodgy as last week's.
• 15:10
  Speaker 5: Yeah, okay, step up. I was going to tell you
• 15:13
  Speaker 5: about my fipbit. As you guys can see here, I've
• 15:15
  Speaker 5: got a fitbit that's stuck together with sticky tape instead
• 15:17
  Speaker 5: of buying a new band. But that's not my broke
• 15:19
  Speaker 5: tip for the week. It is a good idea, though.
• 15:21
  Speaker 2: Is it sustainable. It's sustainable. This has lasting me two weeks.
• 15:25
  Speaker 2: Oh impressive. It's pretty good.
• 15:26
  Speaker 5: And it has not even it's not slightly coming off.
• 15:29
  Speaker 5: It's you know, just get really really good tape.
• 15:31
  Speaker 2: Can you take the bit off or is it taped
• 15:34
  Speaker 2: onto your wrist?
• 15:34
  Speaker 5: You can, because when you come up here with you
• 15:40
  Speaker 5: unclip the band from the actual We're not green, right,
• 15:43
  Speaker 5: you're a genius. Okay, if I ever have to remove
• 15:45
  Speaker 5: that tape.
• 15:46
  Speaker 2: Okay, she's thought about this. Sorry for questioning the logic. No,
• 15:50
  Speaker 2: that's quite all right.
• 15:51
  Speaker 5: Anyway, this one might be common sense to a lot
• 15:55
  Speaker 5: of people, but is not that common That's very true.
• 15:58
  Speaker 5: That's what we've learned lifetime. I'm assuming everyone has anyway.
• 16:02
  Speaker 5: So what I do is I have you know, your
• 16:05
  Speaker 5: woolwas rewards cards. You're literally any card that's out there
• 16:09
  Speaker 5: that you can get your hands on, a one of
• 16:10
  Speaker 5: those freebie cafe ten boucher, what do you call it?
• 16:14
  Speaker 5: Coffee cards, coffee cards, anything where you could eventually one
• 16:17
  Speaker 5: day get something free. Seven to eleven app which is
• 16:20
  Speaker 5: something that I will talk about in one of our
• 16:22
  Speaker 5: later episodes.
• 16:23
  Speaker 2: I'm obsessed with seven eleven sandwiches, so I can't wait.
• 16:26
  Speaker 5: Can't wait seven eleven app anything. But basically the reason
• 16:29
  Speaker 5: why I say this is, for example, this week, I
• 16:32
  Speaker 5: have ten dollars to spend on my Will Wars card.
• 16:34
  Speaker 2: I won't be using that yet right now.
• 16:35
  Speaker 5: I know that I will have no money in two
• 16:38
  Speaker 5: weeks time, so that's when you will go into wool Wars.
• 16:40
  Speaker 5: You have the ten dollars that you saved up from
• 16:42
  Speaker 5: your everyday rewards card.
• 16:44
  Speaker 2: Or let's say you.
• 16:45
  Speaker 5: Have a free coffee on your coffee card. Don't use
• 16:47
  Speaker 5: it when you have money, only ever use it when
• 16:49
  Speaker 5: you are broke.
• 16:51
  Speaker 2: Save it.
• 16:51
  Speaker 5: You might be like, oh, what a treat. Don't do
• 16:53
  Speaker 5: it yet, Wait until you have no money and you
• 16:55
  Speaker 5: need that ten dollars on your everyday rewards card, or
• 16:58
  Speaker 5: you need that free coffee because you truly have nothing.
• 17:01
  Speaker 5: So save all of these things. And also embarrassing having.
• 17:04
  Speaker 2: All these Flybys cards, these rewards empowering and.
• 17:09
  Speaker 5: Only use them when you are broke. Please save them
• 17:13
  Speaker 5: for yourself and you can put a lot of them
• 17:14
  Speaker 5: on your phone. Woolworths and Flybys you both have them digital.
• 17:17
  Speaker 5: So you are embarrassed about having a million cars in
• 17:19
  Speaker 5: a wallet, there's.
• 17:20
  Speaker 2: A solution exactly right on the app. You're a genius.
• 17:24
  Speaker 2: Do you know? All I can think about is I
• 17:26
  Speaker 2: know what your salary is, and I know it's good.
• 17:29
  Speaker 2: I just know that you don't budget and cash flow
• 17:32
  Speaker 2: in a way that is super effective at this point
• 17:35
  Speaker 2: in time, and that's fine. You do you like we
• 17:37
  Speaker 2: all manage money differently. But if you put the same
• 17:41
  Speaker 2: energy into your budgeting cash flow system as you do
• 17:44
  Speaker 2: into tracking your flybys and your free Woolworths ten bucks, like,
• 17:49
  Speaker 2: my god, you'd be a rich woman.
• 17:50
  Speaker 5: I do agree that if I put this much energy,
• 17:52
  Speaker 5: but honestly your lives.
• 17:54
  Speaker 2: But I'm not going to do that.
• 17:55
  Speaker 8: No.
• 17:55
  Speaker 5: But as I say, because I have been broke for
• 17:57
  Speaker 5: so long, now that I've got good money, I can
• 18:00
  Speaker 5: start buying things that I could never and so I
• 18:02
  Speaker 5: end up being life breaking, even lifestyle creepy.
• 18:06
  Speaker 2: It's kind of like a life style or like.
• 18:08
  Speaker 5: You know, debts and servicing cars, all these things that
• 18:10
  Speaker 5: I couldn't pay for before.
• 18:11
  Speaker 2: Yeah. No, but eventually, it's not a judgmental comment. It's
• 18:14
  Speaker 2: just I'm so impressed with your ability to work the
• 18:18
  Speaker 2: system and make it work for you. Yeah, I'm like,
• 18:20
  Speaker 2: that's so much energy and effort. I cannot wait to
• 18:23
  Speaker 2: channel that into Beck's budget and cash flow system. At
• 18:26
  Speaker 2: some point in the future, you and I are going
• 18:28
  Speaker 2: to get to sit down and I'm going to be
• 18:29
  Speaker 2: so excited. Today is just not that day till then,
• 18:33
  Speaker 2: till then we will continue on. Let's go to a
• 18:36
  Speaker 2: really quick break because on the other side of the break,
• 18:38
  Speaker 2: I want to talk about how to actually start saving beck.
• 18:41
  Speaker 2: Maybe you wrote this in and then we're going to
• 18:44
  Speaker 2: unpack something that you slid into our DMS about which
• 18:47
  Speaker 2: this week we're talking about whether you should prioritize a
• 18:50
  Speaker 2: good culture at work over a good salary. Don't go anywhere, guys,
• 18:58
  Speaker 2: Welcome back everybody.
• 18:59
  Speaker 5: Let's listen to this week's money dilemma.
• 19:03
  Speaker 1: Hi.
• 19:03
  Speaker 4: There, have you got a money dilemma you just can't solve?
• 19:06
  Speaker 4: The She's on the Money team is here to help.
• 19:09
  Speaker 4: Every week, we tackle your dilemmas, both big and small,
• 19:12
  Speaker 4: to answer your most burning money, career and life questions.
• 19:15
  Speaker 4: To get involved, simply head to our website and leave
• 19:17
  Speaker 4: us a short voice recording and you might just find
• 19:20
  Speaker 4: yourself on the show. Now, let's take a listen to
• 19:22
  Speaker 4: this week's money dilemma.
• 19:27
  Speaker 6: Hi, ladies, I am quite desperate to know how on
• 19:31
  Speaker 6: earth to actually save money. I feel like I'm not overspending,
• 19:38
  Speaker 6: but somehow every pay I seem to have all the
• 19:44
  Speaker 6: intentions to save, and then something happens and I end
• 19:50
  Speaker 6: up having to use that money, and I've just never
• 19:53
  Speaker 6: been able to get on top. And I'm nearly forty
• 19:56
  Speaker 6: and I have no savings, so I would really love
• 20:00
  Speaker 6: your help on where to even just begin. Thank you.
• 20:04
  Speaker 2: She sounds like the most wholesome human, Like I just
• 20:06
  Speaker 2: want to like her tone of voice, the way she
• 20:08
  Speaker 2: spoke made me want to be her best friend. I
• 20:11
  Speaker 2: was just like, I love you already, I don't even
• 20:13
  Speaker 2: know you, but so relatable. Yeah, I just feel like
• 20:15
  Speaker 2: that is so common. Jess. You're a little savings queen,
• 20:20
  Speaker 2: so I want to know where would you start when
• 20:23
  Speaker 2: it comes to savings if you were starting from scratch.
• 20:26
  Speaker 7: I feel like it sounds as though she does need
• 20:30
  Speaker 7: to do the classic Victoria Divine method of going through
• 20:32
  Speaker 7: her bank statements because it's the most hideous thing in
• 20:36
  Speaker 7: the world. It's no fun at all. I'm not even
• 20:38
  Speaker 7: going to try to lie to you about that.
• 20:39
  Speaker 2: But that's why I always recommend wine. Yeah you can
• 20:43
  Speaker 2: drink wine, yeah while doing it, because if you drink
• 20:45
  Speaker 2: tea or something, but like wine probably will help the most.
• 20:49
  Speaker 7: A bev Regina of some sort, bev Regena of choice.
• 20:52
  Speaker 7: But I think because she's saying that she keeps getting
• 20:55
  Speaker 7: to the end of payday and we've all been there,
• 20:56
  Speaker 7: where you go Oh, my god, where did my money go?
• 20:59
  Speaker 7: By going for three months of statements, you're going to
• 21:01
  Speaker 7: see where the money's going, Right, You're going to have
• 21:03
  Speaker 7: a very clear understanding of I'm spending more than I
• 21:05
  Speaker 7: should on takeout or maybe like the you know, if
• 21:09
  Speaker 7: you've got kids, like it's all going to the kids' activities,
• 21:11
  Speaker 7: and that's not an expense that I can cut, which
• 21:13
  Speaker 7: is totally fine as well. So I feel like understanding
• 21:16
  Speaker 7: where you're spending allows you to then begin making changes
• 21:20
  Speaker 7: to start saving.
• 21:21
  Speaker 2: Yeah. No, I think that that's absolutely it. It kind
• 21:23
  Speaker 2: of I want to go on and on about values here,
• 21:26
  Speaker 2: and you guys know how passionate I am about living
• 21:29
  Speaker 2: to your values, not what other people say you should
• 21:31
  Speaker 2: be spending. But it actually just sounds like you don't
• 21:34
  Speaker 2: have a clear idea of what your actual budget looks like.
• 21:37
  Speaker 2: Because if you're thinking, oh, I put money away my savings, well,
• 21:41
  Speaker 2: actually you didn't allocate what you needed to to the
• 21:44
  Speaker 2: expenses you have. They were never savings. That was a
• 21:48
  Speaker 2: pipe dream. Basically, that was like very aspirational and I'm
• 21:52
  Speaker 2: so excited that you're prioritizing it. But every single month
• 21:55
  Speaker 2: that you do that, you're going to feel like you're
• 21:57
  Speaker 2: shooting yourself in the foot because you might be saying,
• 22:00
  Speaker 2: can save five hundred bucks, I'm going to put it
• 22:02
  Speaker 2: to the side right now, when in reality, you might
• 22:05
  Speaker 2: only have the capacity in your budget for one hundred
• 22:07
  Speaker 2: and fifty dollars worth of savings. And that's okay. We
• 22:11
  Speaker 2: just need to be aware of it so that when
• 22:13
  Speaker 2: you allocate it, you don't feel like you're stealing from
• 22:16
  Speaker 2: future you because that was never the money that you
• 22:19
  Speaker 2: were able to save. If that makes sense, we need
• 22:21
  Speaker 2: to sit down and go, Molly, friend, is this, and
• 22:23
  Speaker 2: bills are this, and groceries are this, and you know,
• 22:25
  Speaker 2: the kids' activities are this, Well, actually what does that
• 22:29
  Speaker 2: leave you with? And then that gives you the ability
• 22:31
  Speaker 2: to reflect on whether you want to spend that or
• 22:34
  Speaker 2: you don't want to spend that. You might go, oh
• 22:36
  Speaker 2: my gosh, the kids are doing so much, no wonder
• 22:38
  Speaker 2: we can't save. We're spending all our money here or there.
• 22:41
  Speaker 2: Or you might actually find that you're in a season
• 22:43
  Speaker 2: of life that's just really expensive right now. And we
• 22:46
  Speaker 2: all go through those seasons where life just feels a
• 22:49
  Speaker 2: little bit overwhelming. You're not, you know, making the traction
• 22:52
  Speaker 2: that you want to make when it comes to saving
• 22:54
  Speaker 2: or investing, and that's okay. I think sometimes it's really
• 22:57
  Speaker 2: about just recognizing where you're at, making a step back
• 23:00
  Speaker 2: and going you know what, I don't know about your situation.
• 23:03
  Speaker 2: You might be your single mum absolutely killing it. You
• 23:06
  Speaker 2: might not feel like you're saving a lot, but oh
• 23:08
  Speaker 2: my gosh, you're putting food on the table, you're putting
• 23:10
  Speaker 2: a roof over your kid's head. They're going to school,
• 23:13
  Speaker 2: they are happy, they are healthy, and you know what,
• 23:15
  Speaker 2: that's more than enough. I think sometimes we really need
• 23:18
  Speaker 2: to put life in perspective because that season isn't forever.
• 23:22
  Speaker 2: And maybe you're studying, maybe you know you're in between jobs.
• 23:26
  Speaker 2: Maybe you're in a job that you don't love and
• 23:28
  Speaker 2: you're about to move to something else, or maybe you're
• 23:30
  Speaker 2: considering what that next move even looks like. That's okay,
• 23:33
  Speaker 2: But I think this idea of seasons of life is
• 23:36
  Speaker 2: okay to understand but also empowers you to go, all right, well,
• 23:40
  Speaker 2: let's just look at what I want today and how
• 23:43
  Speaker 2: that might work and what that means for my financial future.
• 23:47
  Speaker 2: But when people say, at the end of each month,
• 23:49
  Speaker 2: I'm dipping back into savings. That to me is an
• 23:53
  Speaker 2: immediate flag that says you didn't understand what your actual
• 23:57
  Speaker 2: cash flow and budget looked like. And I'm going to
• 23:59
  Speaker 2: get hold of your email address and I'm going to
• 24:01
  Speaker 2: gift you my budget and cash Flow master class because
• 24:04
  Speaker 2: I know that it will help you, and I know
• 24:06
  Speaker 2: that it'll put you in the best possible position. So
• 24:08
  Speaker 2: my friend, watch out for that email because it's coming
• 24:11
  Speaker 2: your way. Because I think that's actually such a relevant question.
• 24:14
  Speaker 2: And I think I love that you told us your
• 24:16
  Speaker 2: age as well, because I think so many of us,
• 24:19
  Speaker 2: especially when we're young, we just go, oh my gosh,
• 24:22
  Speaker 2: I'll have it sorted out. I'll have it. It's only
• 24:24
  Speaker 2: going to get sorted out if you sort it out.
• 24:27
  Speaker 2: It's not magic. It doesn't happen overnight. Do you know
• 24:30
  Speaker 2: how many people in our community are in their forties, fifties, sixties,
• 24:34
  Speaker 2: even seventies that we get dms from all the time
• 24:37
  Speaker 2: that say, oh my god, b I have no savings.
• 24:39
  Speaker 2: What do I do?
• 24:40
  Speaker 8: Well?
• 24:41
  Speaker 2: We have to just go back to basics. There's no
• 24:43
  Speaker 2: magic outcome, there's no magic wand or kind of solution
• 24:46
  Speaker 2: that I can offer except for, hey, here's the process.
• 24:49
  Speaker 2: That you should go through that will put you in
• 24:51
  Speaker 2: a position where you can fully comprehend what your next
• 24:54
  Speaker 2: steps should be. Yeah, I love that.
• 24:57
  Speaker 5: Just on that, I am probably not the best person
• 24:59
  Speaker 5: to be give advice because I currently have no I
• 25:01
  Speaker 5: love their site. I did notice when I was saving
• 25:04
  Speaker 5: back in the day, I would feel like putting ten
• 25:07
  Speaker 5: bucks away felt pointless, but it was the only thing
• 25:09
  Speaker 5: I could actually stick to. So even if at the
• 25:12
  Speaker 5: end of your budgeting masterclass, you sit down, you do everything,
• 25:15
  Speaker 5: you realize I only have fifteen dollars a month to
• 25:17
  Speaker 5: put away fifteen dollars four exactly, and eventually that will
• 25:21
  Speaker 5: that will grow I've started. I know this isn't your
• 25:24
  Speaker 5: favorite thing, but I have a piggybank that I was
• 25:26
  Speaker 5: just going to say, one of those money teas.
• 25:28
  Speaker 2: You kind love it.
• 25:29
  Speaker 5: There's the best because you can and like I know,
• 25:31
  Speaker 5: it's not like gaining interest or anything like that.
• 25:33
  Speaker 2: It's literally just sitting there losing value whatever.
• 25:36
  Speaker 5: But if it works, the only thing works for me
• 25:39
  Speaker 5: because I can't reach it, I can't transfer it back
• 25:41
  Speaker 5: to myself. Only put a little bit away and put
• 25:44
  Speaker 5: it somewhere where you literally cannot touch it.
• 25:46
  Speaker 2: No, I think that's great. And I also think that
• 25:49
  Speaker 2: there's no such thing as it's not worth it. Yeah,
• 25:52
  Speaker 2: because I promise, even if it is fifteen bucks, I
• 25:55
  Speaker 2: promised the day before payday, when you didn't have money before,
• 25:58
  Speaker 2: you're going to be grateful that fifteen bucks was saved
• 26:00
  Speaker 2: so that you can lean on it. It's fifteen dollars
• 26:02
  Speaker 2: you didn't have before. So I just think that from
• 26:04
  Speaker 2: little things, big things grow, and that fifteen dollars will
• 26:07
  Speaker 2: turn into thirty, and that thirty into sixty, and that's
• 26:09
  Speaker 2: sixty into one twenty and very soon you'll see that
• 26:12
  Speaker 2: compound and you'll be like, wow, I never thought I
• 26:14
  Speaker 2: was capable of this. And the reason you were capable
• 26:17
  Speaker 2: of it is because of the consistency. That's it. That's
• 26:20
  Speaker 2: the magic. I really, I really wish I could be like, Okay, guys,
• 26:23
  Speaker 2: I'm going to let you in on this top secret
• 26:25
  Speaker 2: tip to saving money. It just doesn't exist, and it's
• 26:29
  Speaker 2: going to look very different for everybody. And that's why
• 26:32
  Speaker 2: you need a process that helps you understand what it
• 26:35
  Speaker 2: looks like. Because your process back is not going to
• 26:38
  Speaker 2: look the same as ess and it's not going to
• 26:40
  Speaker 2: look the same as mine. So why am I looking
• 26:42
  Speaker 2: at the way you budget?
• 26:44
  Speaker 6: Yess?
• 26:45
  Speaker 2: Sorry, really good question. That's the fact that you're thinking
• 26:47
  Speaker 2: about it is a really good thing. Love love, love love.
• 26:50
  Speaker 7: If you want to get on top of your own
• 26:51
  Speaker 7: budget and cash flow. Will have a link in the
• 26:52
  Speaker 7: show notes where you can check out Victoria's Budget and
• 26:54
  Speaker 7: cash Flow master class. Over two and a half thousand
• 26:56
  Speaker 7: people have done it, which.
• 26:57
  Speaker 2: Is thousands, Isn't that insane? Also will hide a little
• 27:00
  Speaker 2: cheeky discount code in there. I am saying that right now,
• 27:02
  Speaker 2: I don't know what it's going to be, so you
• 27:03
  Speaker 2: have to go to the show notes.
• 27:04
  Speaker 7: To check it out.
• 27:05
  Speaker 2: By all right, let's unpack it. We have a community
• 27:08
  Speaker 2: dilemma to go through this week, and I feel like
• 27:11
  Speaker 2: this one, this one is an interesting one. Are you ready? Yes, hey, guys,
• 27:16
  Speaker 2: any advice? I absolutely love my job. The culture and
• 27:20
  Speaker 2: people are amazing, and I really enjoy the work I
• 27:23
  Speaker 2: get to do. The issue is I get paid well
• 27:26
  Speaker 2: below the industry standard. I work in finance, but at
• 27:30
  Speaker 2: a smaller startup company. I have had many conversations around
• 27:34
  Speaker 2: a pay rise. However, they always say there isn't room
• 27:36
  Speaker 2: for this at the moment, and we'd revisit it in
• 27:39
  Speaker 2: a few months. Problem is, a year later, nothing has changed.
• 27:43
  Speaker 2: I've been offered a job that is more than double
• 27:45
  Speaker 2: my current salary plus bonuses. However, the culture seems very
• 27:50
  Speaker 2: corporate and very competitive, very long hours, and the work
• 27:53
  Speaker 2: doesn't seem that interesting. I can already tell I won't
• 27:57
  Speaker 2: love it there. How much should I value work life
• 28:00
  Speaker 2: balance versus good culture at work? What I have now
• 28:03
  Speaker 2: is awesome, but it doesn't allow me to meet my
• 28:06
  Speaker 2: financial goals. But to meet these goals, I worry that
• 28:09
  Speaker 2: I'd have to sacrifice the enjoyment aspect I have at work.
• 28:12
  Speaker 2: I'm only twenty three and still new to working life,
• 28:15
  Speaker 2: so any words of wisdom are appreciated.
• 28:20
  Speaker 5: That's funny too.
• 28:21
  Speaker 2: Yeah, I don't want to go first on this one, Beck,
• 28:25
  Speaker 2: What would you do words? Pretend you work in finance?
• 28:28
  Speaker 5: Okay, Well, it's so easy for me because I don't
• 28:30
  Speaker 5: have any kids, I don't have a mortgage, I don't really.
• 28:34
  Speaker 2: Have any outrageous financial goals.
• 28:37
  Speaker 5: So I would literally just go with the culture culture
• 28:40
  Speaker 5: culture over anything else. If I'm happy, that's all that
• 28:44
  Speaker 5: matters really. But it is a real tough one.
• 28:46
  Speaker 2: It makes you I.
• 28:47
  Speaker 5: Assume you'd eventually be disenchanted with the workplace anyway, just
• 28:52
  Speaker 5: because they're paying you so little. But if that's not
• 28:55
  Speaker 5: happening and you're happy and you love the people you
• 28:57
  Speaker 5: work with, the culture.
• 28:58
  Speaker 2: Is great, I would stay.
• 29:00
  Speaker 5: But I don't have the pressures of yeah, children, mortgage,
• 29:05
  Speaker 5: all these other things that people might have to you know.
• 29:08
  Speaker 2: Yeah, try.
• 29:09
  Speaker 7: It comes down to your values, right, Like, yeah, it
• 29:12
  Speaker 7: depends on what responsibilities you have, what you have going on.
• 29:15
  Speaker 7: I would like to say, as someone who has worked
• 29:18
  Speaker 7: in workplaces where the.
• 29:19
  Speaker 2: Culture was pretty freaking average, stop talking about me. I'll
• 29:22
  Speaker 2: do it. I'll do it the more quietly.
• 29:24
  Speaker 7: No, but I've definitely done the thing where you take
• 29:26
  Speaker 7: the job and you don't love it, but it pays
• 29:28
  Speaker 7: the bills and puts food on the table, and that
• 29:29
  Speaker 7: is good enough. I do think, yes, absolutely, in an
• 29:33
  Speaker 7: ideal world, we deserve it all. We deserve great pay,
• 29:35
  Speaker 7: great culture, a life that we live and love to
• 29:38
  Speaker 7: the fullest. But can we also normalize the fact that
• 29:42
  Speaker 7: sometimes your job is just there to pay the bills, Like,
• 29:46
  Speaker 7: I don't think that there is anything wrong, and I
• 29:49
  Speaker 7: think there is a little bit of an ideology that
• 29:51
  Speaker 7: is sold that if you love what you do, you
• 29:55
  Speaker 7: won't work a day in your life, which simply is.
• 29:57
  Speaker 2: I work so hard. You can hear it in my
• 29:59
  Speaker 2: voice this week. Yeah I'm dead. You are dead. Yes,
• 30:02
  Speaker 2: you have had a massive week as well. Yeah, like
• 30:04
  Speaker 2: you just can't hear it as well in your voice,
• 30:05
  Speaker 2: like I'm so sick because I've worked myself into the ground, Jess.
• 30:08
  Speaker 2: I adore what I do. Everybody knows I adore what
• 30:11
  Speaker 2: you do as bullshit. Like absolutely, if you love what
• 30:14
  Speaker 2: you do, you will work harder than anyone else in
• 30:17
  Speaker 2: your life. I think is what that should say.
• 30:19
  Speaker 7: A thousand percent, And I think is your life more enjoyable?
• 30:23
  Speaker 2: Is there? Absolutely?
• 30:24
  Speaker 7: Like physiological benefits, psychological benefits to being in an environment
• 30:28
  Speaker 7: where you feel supported and you're I am not refuting that,
• 30:31
  Speaker 7: I'm not disputing it, but I think at the same time,
• 30:35
  Speaker 7: if you're going I'm barely making ends meet, and that
• 30:38
  Speaker 7: is stressing me out.
• 30:39
  Speaker 2: Take the job that day.
• 30:40
  Speaker 7: Like if someone said to me, you can double your salary,
• 30:43
  Speaker 7: it's at least something I think you should entertain.
• 30:45
  Speaker 1: Oh.
• 30:45
  Speaker 2: Absolutely, you always have the conversation, Always have the conversation.
• 30:48
  Speaker 2: And I'm not saying that that means that you should
• 30:50
  Speaker 2: absolutely leave, Like you need to think about how would
• 30:53
  Speaker 2: you cope if you were in a less positive environment,
• 30:55
  Speaker 2: how would you deal with the change of culture. But
• 30:57
  Speaker 2: you also don't know a culture until you get there.
• 30:59
  Speaker 2: Maybe he's always greener, grass is always greener. Maybe you'll
• 31:02
  Speaker 2: get there and you'll find a really great group of friends.
• 31:04
  Speaker 2: And even though it's a super corporate environment that makes
• 31:06
  Speaker 2: it worth well for you, maybe you won't and you'll
• 31:08
  Speaker 2: be totally miserable.
• 31:10
  Speaker 7: Either way, I think it is worth considering and it's
• 31:12
  Speaker 7: worth going. It's not necessarily your job's responsibility to fulfill
• 31:18
  Speaker 7: your happiness of your life.
• 31:19
  Speaker 2: Just in the same way that it's not.
• 31:21
  Speaker 7: You know, no one person can make your life totally
• 31:23
  Speaker 7: happy and fulfill everything that you need.
• 31:25
  Speaker 2: I think if a job has one of them do
• 31:27
  Speaker 2: that for me.
• 31:28
  Speaker 7: I agree, Lucy's the one thing on this planet that
• 31:30
  Speaker 7: it fulfills all needs at all times. But I think
• 31:33
  Speaker 7: that if you have one or the other, if you're
• 31:35
  Speaker 7: happy or you're earning great money, maybe sometimes that's enough.
• 31:39
  Speaker 1: Yeah.
• 31:39
  Speaker 2: I think we can also cancel this idea that your
• 31:42
  Speaker 2: job defines you as a person, Like I don't actually
• 31:46
  Speaker 2: care what my friends do. I have friends who work
• 31:50
  Speaker 2: in podcasting. I have a few friends who are very
• 31:53
  Speaker 2: fancy and ethetists, like real fancy doctors. I have friends
• 31:57
  Speaker 2: who work in retail, and I have one friend who
• 31:59
  Speaker 2: is a state so mum. I have a friend who's
• 32:01
  Speaker 2: currently not working because she create a job because her
• 32:03
  Speaker 2: boss was a douche canoe basically, And I was like, yeah, queen,
• 32:06
  Speaker 2: get it. I don't care what you do for your work.
• 32:08
  Speaker 2: As long as you are kind, as long as you
• 32:09
  Speaker 2: are nice, you are my people. So I think we
• 32:11
  Speaker 2: need to just throw this idea that that defines you
• 32:14
  Speaker 2: out the window. But then also the tone of this
• 32:18
  Speaker 2: message was really that you weren't unhappy in your job,
• 32:22
  Speaker 2: and I think that that needs to I guess weigh
• 32:25
  Speaker 2: in a little bit heavier. Yeah, we're talking about the
• 32:27
  Speaker 2: financial aspect. But I know when I've been underpaid, I
• 32:31
  Speaker 2: feel undervalued. And if I'm consistently going into a workplace
• 32:35
  Speaker 2: that I feel doesn't respect me for the you know,
• 32:39
  Speaker 2: the time, the energy, the effort that I put in
• 32:42
  Speaker 2: the value that I'm bringing to this organization, I feel
• 32:45
  Speaker 2: like that wouldn't have been the tone of voice of
• 32:46
  Speaker 2: my message. Yeah, Like I feel like when you say
• 32:49
  Speaker 2: you love the culture, like that goes a little bit
• 32:53
  Speaker 2: further beyond just loving you know, I love working with
• 32:56
  Speaker 2: Beck because Beck might be the only thing that you
• 32:59
  Speaker 2: love in that workplace and everything else sucks. But I
• 33:02
  Speaker 2: think that we need to talk about culture as more holistically. Clearly,
• 33:06
  Speaker 2: you feel valued in some way, shape or form. Maybe
• 33:09
  Speaker 2: not financially at this point, and back to Beck's point,
• 33:12
  Speaker 2: maybe you don't need that at this point in life.
• 33:15
  Speaker 2: Maybe it's an experience, but I do think it goes
• 33:18
  Speaker 2: back to having really wholesome, holistic conversations. I get the
• 33:23
  Speaker 2: startup life more than anybody does. I've done it multiple times,
• 33:27
  Speaker 2: and I've had to have conversations with people where I'm like, look,
• 33:30
  Speaker 2: this is the budget for this job. Take it or
• 33:33
  Speaker 2: leave it. I cannot stretch the budget any further for this.
• 33:37
  Speaker 2: And thankfully we're now not in that position where I
• 33:40
  Speaker 2: have to really really cap it. Now I can actually
• 33:43
  Speaker 2: remunerate super super well. But often when you work for
• 33:46
  Speaker 2: a small business, you are taking some level of compromise,
• 33:50
  Speaker 2: and that compromise usually is salary to make up for
• 33:53
  Speaker 2: that culture, to make up for the fulfillment that you get.
• 33:57
  Speaker 2: So you really need to have a think about, well,
• 33:59
  Speaker 2: what is this to do, and beyond financial gain, what
• 34:01
  Speaker 2: are you getting out of this? Is this a job
• 34:03
  Speaker 2: where you're getting way more experience out of this job,
• 34:06
  Speaker 2: So if you've stuck it out for another year, you'll
• 34:08
  Speaker 2: actually turbo charge what you'll earn in the future, versus
• 34:11
  Speaker 2: going to a corporate job that might silo you into
• 34:14
  Speaker 2: something where you know there's not actually a lot of
• 34:16
  Speaker 2: gain after that. I think we need to look at
• 34:18
  Speaker 2: the big picture, not the right now picture, because right now, Jess,
• 34:22
  Speaker 2: if I said do you want to earn double your salary,
• 34:23
  Speaker 2: you'd be like, yeah, that sounds sick. Yeah, but you're
• 34:26
  Speaker 2: not really thinking that. Hey, Jess, if you earn double
• 34:28
  Speaker 2: your salary today, you're never going to earn another dollar
• 34:31
  Speaker 2: for the rest of your life. Whereas if you carry
• 34:33
  Speaker 2: on on this trajectory, you're going to earn ten times
• 34:35
  Speaker 2: more in the next ten years. Like, I think we
• 34:37
  Speaker 2: need to look at the bigger picture as well. It
• 34:40
  Speaker 2: doesn't sound like you're super unhappy, so I'm rocking a
• 34:44
  Speaker 2: hard place. I think you need to sit down and
• 34:46
  Speaker 2: maybe even just do a pros and cons list. What
• 34:49
  Speaker 2: are you about this list? Where do you want to
• 34:51
  Speaker 2: see yourself in the next twelve months, in the next
• 34:53
  Speaker 2: five years. It's okay not to know if you can't
• 34:56
  Speaker 2: answer those things, But what do you actually want to
• 34:58
  Speaker 2: get out of job beyond financial gain? Yeah? One hundred cent.
• 35:02
  Speaker 7: What did everybody else say? Because it seems like it's
• 35:04
  Speaker 7: a bit split across the table.
• 35:05
  Speaker 2: So this was interesting because you and I just were
• 35:08
  Speaker 2: both on the I guess side of being like, sometimes
• 35:11
  Speaker 2: you can just go to a job and it's absolutely
• 35:13
  Speaker 2: fine not to love it, and they're done that. We
• 35:15
  Speaker 2: asked the community, do you think it's important to enjoy work?
• 35:18
  Speaker 2: Ninety seven percent of you said yes, three percent said no.
• 35:22
  Speaker 2: We asked what do you value more in a job?
• 35:25
  Speaker 2: Money and salary twenty eight percent, culture and work life
• 35:29
  Speaker 2: balance seventy two percent. Huge people like to sit in
• 35:33
  Speaker 2: the grass, Yeah, I love it. If you had two
• 35:36
  Speaker 2: job offers, which one would you take? A lower salary
• 35:39
  Speaker 2: but a great culture and work life seventy six percent,
• 35:43
  Speaker 2: And at twenty four percent we said yes to a
• 35:46
  Speaker 2: higher salary but poor culture and work life balance. There
• 35:50
  Speaker 2: were so many comments on this as well. A lot
• 35:52
  Speaker 2: of people had a lot to say. Someone said, I
• 35:54
  Speaker 2: want the best of both, worlds. Of course we all do.
• 35:57
  Speaker 2: We all do. Sometimes not the most realistic thing to want.
• 36:02
  Speaker 2: Someone said, time to negotiate if you've got another offer.
• 36:04
  Speaker 2: Sometimes employers need a push. Also a relevant point. Someone
• 36:09
  Speaker 2: else said, for a little bit more money, I would stay,
• 36:12
  Speaker 2: but considering the offer is double bye.
• 36:15
  Speaker 7: That's kind of how I feel as well.
• 36:16
  Speaker 2: Someone said, as much as I love good work culture,
• 36:19
  Speaker 2: you need to move companies and start earning more. Someone
• 36:22
  Speaker 2: else said, take the job offer for one to two years.
• 36:25
  Speaker 2: Then you can always come back to this job later
• 36:27
  Speaker 2: with more experience and or pay. Someone said, there's always
• 36:30
  Speaker 2: another opportunity for you. Maybe this isn't the right role,
• 36:34
  Speaker 2: but you should be exploring a different one. That's a
• 36:36
  Speaker 2: really good perspective.
• 36:37
  Speaker 3: I like that.
• 36:39
  Speaker 2: Someone said, use the other offer as leverage in your
• 36:41
  Speaker 2: current job. Yes, you never know, but I also do
• 36:46
  Speaker 2: think you need to be a little bit careful. So
• 36:48
  Speaker 2: this is probably a spicy employer opinion. And Jess is
• 36:52
  Speaker 2: laughing because she knows how I feel about this. I
• 36:54
  Speaker 2: know this is going if I'm in a position where
• 36:57
  Speaker 2: let's say Jess has interviewed with someone else and she's
• 37:01
  Speaker 2: gotten a bigger, better job offer, and let's say they're
• 37:04
  Speaker 2: going to offer her double. Let's say I can afford
• 37:07
  Speaker 2: to pay Jess double. I am an employer that believes
• 37:11
  Speaker 2: that we should be having open, honest conversation about salary
• 37:14
  Speaker 2: before you go external. If you're going external, I do
• 37:17
  Speaker 2: genuinely believe that it is about more than money. So
• 37:21
  Speaker 2: let's say Jess when external, I'm assuming me just paying
• 37:24
  Speaker 2: her more is not going to mean that she stays
• 37:27
  Speaker 2: ten plus years. I give it six months. I could
• 37:31
  Speaker 2: double Jess's salary, but I guarantee she was looking somewhere
• 37:34
  Speaker 2: else because she was disengaged with the job. She wasn't
• 37:36
  Speaker 2: happy with my management, she wasn't happy with something I
• 37:39
  Speaker 2: was doing. Because I know with the type of management
• 37:42
  Speaker 2: I have, Jess would turn to me and be like, hey,
• 37:44
  Speaker 2: there can we talk about my pain? And I'd be like, yeah,
• 37:45
  Speaker 2: do you want to grab coffee and have a chat.
• 37:48
  Speaker 2: If you're coming to me to say, hey, v I've
• 37:50
  Speaker 2: got this job offer, I want to counter offer. I'll
• 37:52
  Speaker 2: be like, no, worries, take the job, as you've already left.
• 37:56
  Speaker 2: In my mind, you've already been disengaged with the job.
• 38:00
  Speaker 2: So that's right or wrong, As I said Spicy Opinion
• 38:02
  Speaker 2: from somebody who is an employer. I don't want to
• 38:05
  Speaker 2: negotiate with a pre existing contract, do you know what?
• 38:09
  Speaker 2: I am not disregarding the fact that sometimes that's actually necessary.
• 38:13
  Speaker 2: Like I have got friends who've worked in like real
• 38:16
  Speaker 2: estate and more like corporate roles where they've actually had
• 38:19
  Speaker 2: to go get another offer and slam it down on
• 38:21
  Speaker 2: their boss's table and be like, hey, mate, I've got
• 38:23
  Speaker 2: this offer, match it or I'm out, and then they
• 38:25
  Speaker 2: match it and they're so happy. And that's a ten
• 38:28
  Speaker 2: out of ten. You need to read the room, because
• 38:32
  Speaker 2: if you came to me with that, I would be like, Okay, Beck,
• 38:35
  Speaker 2: I'm so sorry I couldn't fulfill you. Like you know,
• 38:37
  Speaker 2: that looks like a really good job offer. You've obviously
• 38:40
  Speaker 2: thought about this. I wish you the best. I'm not
• 38:43
  Speaker 2: going to like I'm not in a position where I
• 38:45
  Speaker 2: want to negotiate with you. I don't care how much
• 38:48
  Speaker 2: value you put into my business, because I want you
• 38:51
  Speaker 2: to be connected. I want you to be talking to
• 38:53
  Speaker 2: me and yeah, whether that is right or wrong, we're
• 38:56
  Speaker 2: not disregarding the fact that sometimes that's necessary for my business.
• 39:01
  Speaker 2: I think you need to kind of read the room
• 39:02
  Speaker 2: and work out whether that's the best way to go
• 39:04
  Speaker 2: about it or not.
• 39:05
  Speaker 7: I think if you're going to put a counter offer
• 39:07
  Speaker 7: on the table and use it as leverage, you have
• 39:09
  Speaker 7: to be prepared to walk away. Like I wouldn't use
• 39:11
  Speaker 7: that as a technique purely increase your salary, if you're like,
• 39:14
  Speaker 7: I actually don't want this other job, but I'm going
• 39:16
  Speaker 7: to use it to increase my salary, because there's a
• 39:18
  Speaker 7: good chance that you will get your employer off hand.
• 39:21
  Speaker 7: I think if you're in a position where you're like, oh,
• 39:23
  Speaker 7: I could go either way.
• 39:24
  Speaker 2: Do I stay, do I go? I am happy here.
• 39:26
  Speaker 2: I like it here.
• 39:27
  Speaker 7: If they match the salary, I would love to stay.
• 39:29
  Speaker 7: If they won't match it, I'm happy to leave. Then
• 39:31
  Speaker 7: it's a time that you can bring it into the
• 39:32
  Speaker 7: conversation and say, hey, I do really like it here,
• 39:35
  Speaker 7: I do want to stay. But you know, if I'm
• 39:38
  Speaker 7: being offered double my salary, like, of course, I'll think
• 39:40
  Speaker 7: about that. But I don't think it's a technique that
• 39:43
  Speaker 7: you should use unless you are in the position where
• 39:45
  Speaker 7: you're like, if they're a shove, yeah, I would be
• 39:49
  Speaker 7: happy to walk away. Yeah, Because I think people I
• 39:51
  Speaker 7: think so too, and I'm always willing to have an open,
• 39:53
  Speaker 7: honest conversation, and I don't think a lot of employers are.
• 39:56
  Speaker 7: Let's be honest, and you know what, what if Jess
• 39:59
  Speaker 7: got a rogue off from like another podcast brand and
• 40:02
  Speaker 7: they were like, Jess, whatever you're doing, we'll give you double,
• 40:05
  Speaker 7: just like Vay did you know I got this?
• 40:07
  Speaker 2: I'd be like, oh my god, who was it? I
• 40:10
  Speaker 2: need to know it, need to know what's going on.
• 40:12
  Speaker 2: But I think it's tread with caution with that one,
• 40:15
  Speaker 2: because I know that that is an aggressive way of
• 40:18
  Speaker 2: going about it. Sometimes it is necessary. Someone else dmd
• 40:22
  Speaker 2: US and they said, in your interviews, make sure to
• 40:24
  Speaker 2: ask about culture, how they support balance, and whatever else
• 40:28
  Speaker 2: is important to you, and also do your research into
• 40:31
  Speaker 2: their leadership team and their business reviews. One interview is
• 40:35
  Speaker 2: a good way to gauge the style and culture of
• 40:37
  Speaker 2: the place. I promise there are always going to be
• 40:40
  Speaker 2: better options out there for you. I think that's probably
• 40:43
  Speaker 2: a good place to wrap it, to be honest, But
• 40:45
  Speaker 2: I think it's just about knowing your worth. But also
• 40:48
  Speaker 2: it sounds a little bit like you don't know what
• 40:51
  Speaker 2: your values are as clearly as they should be. Because
• 40:55
  Speaker 2: what I would want to hear in that circumstance is
• 40:58
  Speaker 2: Oh yeah, like I don't get paid the best pay.
• 41:00
  Speaker 2: Oh my gosh. I'm learning this, this and this, and
• 41:02
  Speaker 2: I love the team and I love the culture. Maybe
• 41:04
  Speaker 2: in the future I'll change my tune, but right now
• 41:06
  Speaker 2: I'm really happy. I want to hear that, or I
• 41:08
  Speaker 2: want to hear it. Look at the end of the day, like,
• 41:10
  Speaker 2: I'm not that happy deeply, and I do need to
• 41:13
  Speaker 2: move on. It might not be that role that you're
• 41:15
  Speaker 2: being offered double willing, but you might start exploring other opportunities.
• 41:19
  Speaker 7: Yeah, now you go make a personal cons list.
• 41:21
  Speaker 2: Maybe to make your life easier. Oh my gosh. I
• 41:23
  Speaker 2: feel like this has been a very very well rounded
• 41:26
  Speaker 2: conversation today, from Antoinette's cameo and first jingle on the
• 41:30
  Speaker 2: show to talking about pay and talking about how to
• 41:33
  Speaker 2: start saving and bis, I just think everything has been
• 41:37
  Speaker 2: really good today. Ten out of ten, ten out of ten,
• 41:40
  Speaker 2: we have tickets on ourselves. Guys, have the best weekend,
• 41:43
  Speaker 2: and we'll see you on Monday. Bye bye.
• 41:52
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• 41:55
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• 41:59
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• 42:02
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