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The $110-a-Month Decision That Saved Her When the Worst Happened · She's On The Money

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Speaker 1: My name's Tatasha Bamblet. I'm a proud First Nations woman
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Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya Niana,
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Speaker 1: kaka ya ya binahwaka nian our gay In Mbini, yakarum
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Speaker 1: jar doumayamiga umaga ihowaka nile, Waman damon Immalan, wummabang gadabomba
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Speaker 1: In and naw in waka ghana on yakarrum jar Watanadana. Hello,
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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
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Speaker 1: We thank acknowledge and respect the Abiginal people's land that
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Speaker 1: we're gathering on today. Take pleasure in all the land
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Speaker 1: and respect all that you see. She's on the Money
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Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
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Speaker 1: knowledge and resources for you to thrive.
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Speaker 2: She's on the Money. She's on the Money.
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Speaker 3: Hello, and welcome to She's on the Money, the podcast
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Speaker 3: that lets you be pervy about other people's money stories
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Speaker 3: for educational purposes, of course, back to another one of
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Speaker 3: our money diaries, brought to you by our friends at Skywell,
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Speaker 3: where we get to talk with one of our incredible
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Speaker 3: She's on the Money community members all about their journey.
1:09
Speaker 3: Let's jump straight into it, because this week I got
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Speaker 3: a message and it sounded exactly like this, dear, she's
1:15
Speaker 3: on the money. I've always been a finance girl. I
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Speaker 3: was working in local government, studying finance on the side,
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Speaker 3: investing and saving for my house deposit. Then I got
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Speaker 3: diagnosed with Hodgkin's lymphoma exactly one year after I set
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Speaker 3: up my personal insurances. I'm nineteen days away from my
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Speaker 3: last chemo. Now the cover I had in placement, I
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Speaker 3: didn't have to panic about work or bills while going
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Speaker 3: through treatment, and that's changed the way I see everything.
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Speaker 3: I'm finishing chemo with a very different definition of what's
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Speaker 3: important in life. Money Diarist. We were talking before and
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Speaker 3: I said, hey, how are you? And you were like
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Speaker 3: good considering, and I was like, that's a terrible question
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Speaker 3: for me to ask, So I asked, how was your day?
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Speaker 2: Let's do that. Welcome to the show.
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Speaker 3: How's your day been thus far, so far, so good.
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Speaker 3: Now I'm really excited to have you on the show.
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Speaker 3: I feel like this is such an interesting and good
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Speaker 3: story to be sharing. Let's dive straight into the questions, though,
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Speaker 3: because I don't want to miss a beat. And then
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Speaker 3: I'm going to ask you a bit more about what's
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Speaker 3: going on. You've always been a finance gurly, so what
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Speaker 3: grade would you give your money habits from A through
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Speaker 3: to F I.
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Speaker 2: Think, considering I've always been a finance gurllye, a.
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Speaker 4: Solid bee because I'm like, for sure with my knowledge,
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Speaker 4: I could be doing better.
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Speaker 2: Whoops.
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Speaker 3: But also let's give ourselves a little bit of leniency.
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Speaker 3: Let's talk a little bit more about your situation and
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Speaker 3: your money story. Let's go back a couple of years.
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Speaker 3: What's been going on. You were saving for your first home,
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Speaker 3: you were studying finance, you were working in government, and
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Speaker 3: then you got diagnosed with Hodgkin's lymphoma.
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Speaker 2: How has that been?
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Speaker 3: What does that look like? Talk us through what you're
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Speaker 3: comfortable sharing.
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Speaker 4: After most of last year being scans and tests, send
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Speaker 4: scans and tests, I didn't get diagnosed until September. Wow, Des,
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Speaker 4: I'm an anxious girly through and through. If there's something
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Speaker 4: to worry about, I'll worry about it. But for most
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Speaker 4: of that year I was I'm not sick, nothing's wrong.
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Speaker 4: I'm getting these tests and scans, but nothing's wrong. So
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Speaker 4: it did quite blindside me, like to have cancer, and
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Speaker 4: they also found out it was stage four and basically
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Speaker 4: said the day they said it, like, you have stage
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Speaker 4: four Hodgkins lymphoma exactly one week later starting chemo. So
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Speaker 4: I had a week to entirely pretend my life to
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Speaker 4: tell work. I couldn't come back to pause, study, to
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Speaker 4: do everything. So it was very crazy.
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Speaker 3: And I feel like that's the admin side of it
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Speaker 3: that nobody sees, right, Like we hear all of the stories,
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Speaker 3: like maybe not all of the stories, but we hear
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Speaker 3: stories like I was diagnosed with Hodgkins lymphomer and this
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Speaker 3: is what my medical journey looked like. But in the background,
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Speaker 3: you have a whole entire life that needs to come
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Speaker 3: to a grinding halt. What was that like, trying to
4:01
Speaker 3: clean your life up or get stuff together within a
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Speaker 3: week so you could start chemo, which you knew was
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Speaker 3: going to knock you off your thocks.
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Speaker 4: Yeah, it was exhausting, and yeah, definitely the life admin
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Speaker 4: was like the one that was like, I didn't expect
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Speaker 4: that at all, and the one that's like, I shouldn't
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Speaker 4: have to deal with this as well, Like you kind
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Speaker 4: of you prepare yourself for the medical stuff, but the
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Speaker 4: admin You're like, why am I doing this?
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Speaker 2: But yeah, it was hard, Like I you know, you
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Speaker 2: have to tell people. You have to tell your friends,
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Speaker 2: and you have to tell your family, and you have
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Speaker 2: to tell work.
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Speaker 4: And there was such a short amount of time to
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Speaker 4: tell so many people, so very very emotionally exhausting.
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Speaker 3: Yeah, and like you don't deserve that at that moment.
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Speaker 3: That is the worst possible moment to dump more stuff
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Speaker 3: on you. No, definitely, So you said, Oh, I'd been
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Speaker 3: getting tests and scans and tests and scans for like
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Speaker 3: a whole year, and I didn't think I was sick.
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Speaker 3: What meant that you were getting tests and scans? Like,
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Speaker 3: how did we identify that there might have been something
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Speaker 3: not quite right?
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Speaker 4: So I think it was maybe like late fab early March,
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Speaker 4: I got INFLUENCEE and that did knock me down. I
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Speaker 4: was so tired, and after that I was tired for
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Speaker 4: a while, but I was also working full time studying
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Speaker 4: part time, and I was like, I can kind of
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Speaker 4: expect that I'm tired, Like that makes sense. I was thinking, also,
5:19
Speaker 4: maybe maybe there's something not quite right, but like maybe
5:21
Speaker 4: I don't know, I'm law on iron or something, and
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Speaker 4: then a few weeks after the flu, I found a
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Speaker 4: lump in my armpit and started out reasonably small, and
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Speaker 4: my doctors were considering it was following the flu, like
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Speaker 4: it's probably inflammation, like in the lymphatic system, and.
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Speaker 2: It will die down. I would believe that, yeah, So
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Speaker 2: they started with just like ultrasounds of like yeah, and
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Speaker 2: the ultrasound text came back with like, yeah, it looks
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Speaker 2: like inflammation. Let's, you know, wait four weeks and see
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Speaker 2: if it goes down. And then each time it was like, oh,
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Speaker 2: it's actually got it a bit bigger. But it got
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Speaker 2: a bit bigger.
6:00
Speaker 4: And then they were like, oh, but you just got
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Speaker 4: the flu shot, so maybe the flu shot made it
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Speaker 4: get bigger again.
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Speaker 2: So then eventually they did a biopsy and then the biopsy.
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Speaker 4: Came back with like not quite any results, so that
6:14
Speaker 4: I had to get a cent off for further testing.
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Speaker 4: And then I got actually before they even were sure
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Speaker 4: of anything, I got referred to a cancer specialist, a hematologist,
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Speaker 4: and she was even looking at the reals like this
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Speaker 4: doesn't confirm anything. We're not sure of anything, but we're
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Speaker 4: going to send you for a buther tests and act
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Speaker 4: as if you had something just in case. So they
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Speaker 4: sent me for pet scans and they did their own
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Speaker 4: biopsies and then yeah, finally got some results. Wow, I
6:41
Speaker 4: feel like that is just so frustrating hearing that.
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Speaker 3: You're like, well, you know, in fed March, i had
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Speaker 3: influenza A and that kind of just acted like a
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Speaker 3: shield for me getting a diagnosis by September. Yeah, Like
6:53
Speaker 3: that's a long period of time, especially given it's relatively progressed,
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Speaker 3: like your stage four. Yeah, what's the prognosis on that
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Speaker 3: you finished chemo in nineteen days as of writing this letter.
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Speaker 3: When is the actual date?
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Speaker 2: Thirty eighth the March.
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Speaker 3: That is so exciting and what will that mean after
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Speaker 3: So it'll.
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Speaker 4: Definitely just be waiting for a little while and thenn
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Speaker 4: doing more tests and hopefully they're all clear. Dignosis is
7:18
Speaker 4: very good, Like lymphoma is a very curable condition, even
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Speaker 4: at stage four, and thankfully, despite the fact that it
7:26
Speaker 4: did take so long to check it, apparently it was
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Speaker 4: caught pretty early, Like oh good, I guess you know,
7:31
Speaker 4: people cannot notice a lump for a long time, or
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Speaker 4: like maybe it doesn't have physical symptom at first, so
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Speaker 4: they do think it was caught quite quick. And my
7:40
Speaker 4: mid chemo scan was all clear.
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Speaker 2: Oh I'm glad. We're all very optimistic. I love that.
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Speaker 3: And you look quite young. Can I ask how old
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Speaker 3: you are? Because I didn't get that information before.
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Speaker 2: I'm twenty eight. She's just a baby.
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Speaker 3: I feel like that's so rude, but also sorry. One
7:57
Speaker 3: of the reasons I was like this is going to
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Speaker 3: be a fantastic money diary is one you are so positive,
8:02
Speaker 3: like you're kind of like smiling, going, oh, yeah, we
8:04
Speaker 3: did this, and oh it was the flu vaccination. I'm like,
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Speaker 3: that's not funny, babe, Like that's very serious.
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Speaker 4: I don't know.
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Speaker 3: I like, do it for the plot, cancer, do it
8:15
Speaker 3: for the plots? She says, just rolling with. But you
8:18
Speaker 3: also had all your insurances set up. And I do
8:21
Speaker 3: not know many twenty eight year olds who have actually
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Speaker 3: got this stuff together because we just I don't know,
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Speaker 3: you're on to thirty. We don't take life that seriously,
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Speaker 3: like it's never going to happen to me. All of
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Speaker 3: us say that, right, Yeah, how did you know to
8:32
Speaker 3: get that set up? Why did you get that set up?
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Speaker 4: Well?
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Speaker 2: I actually have to thank you. It was Are you serious? Definitely?
8:39
Speaker 2: She's on the money.
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Speaker 4: Episode and you guys had sky Wealth on and they
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Speaker 4: were talking about you were talking about your favorite personal
8:46
Speaker 4: insurances and also sharing stories of people who had used them.
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Speaker 4: But yeah, also definitely despite that, I was like, I
8:54
Speaker 4: went through the process of sky Wealth, and even when
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Speaker 4: they gave me like the recommendations, I was like, do
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Speaker 4: I really want to do this?
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Speaker 2: I could take money for ottest things, right.
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Speaker 3: You second guess it because it's not cheap, Like, don't
9:06
Speaker 3: get me wrong. Income protection is not like four dollars,
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Speaker 3: like it's a couple of thousand dollars a year in
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Speaker 3: most cases, Like it's not something that you just go whatever,
9:16
Speaker 3: like you actually have.
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Speaker 2: To consider it, Yeah, for sure.
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Speaker 4: And I wasn't like prepared for how much like I
9:21
Speaker 4: was going to be quoted, And when I did, I
9:23
Speaker 4: was like, WHOA, Okay, do I want to do this?
9:25
Speaker 2: Yeah?
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Speaker 4: And I definitely spent a long time like deliberating and
9:29
Speaker 4: almost didn't go through with it.
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Speaker 2: So I'm like crazy proud.
9:34
Speaker 4: Of myself that I got it, because my life could
9:36
Speaker 4: be very different right now if I didn't have that
9:38
Speaker 4: critical illness.
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Speaker 3: Yeah, that's crazy. So tell me you got your critical
9:42
Speaker 3: illness set up, you got income protection set up?
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Speaker 2: What did that look like?
9:47
Speaker 3: So you know, you had to do all of the
9:49
Speaker 3: crazy administration, you know, telling people that you had cancer,
9:53
Speaker 3: telling your work that you couldn't come back to work.
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Speaker 2: What was it like?
9:56
Speaker 3: Did you pick up the phone and go, hey, phil
9:59
Speaker 3: bin diagnosed and he gave you six million things to
10:02
Speaker 3: fill out? Like what's the process when you actually had
10:04
Speaker 3: to claim and go through that? Because like, don't get
10:06
Speaker 3: me wrong, I know there's not heaps and heaps of paperwork,
10:09
Speaker 3: but there's also a process and there's also a period
10:11
Speaker 3: of time where you can't have it until you can claim.
10:13
Speaker 2: Yeah.
10:13
Speaker 4: So I basically pretty quick after my diagnosis, I shot
10:18
Speaker 4: an email to the person who set me all up
10:21
Speaker 4: and walked me through it originally, and I said, hey,
10:25
Speaker 4: just hypothetic if I have.
10:27
Speaker 2: The kissed, what am I eligible for? And what does
10:32
Speaker 2: that look like?
10:33
Speaker 4: And she immediately called me back and said, yes, one
10:36
Speaker 4: hundred percent. You have trauma protection. That's going to be
10:39
Speaker 4: your big one and you can like just let the
10:42
Speaker 4: claims team know and they'll walk you through it. And
10:44
Speaker 4: she said, and then you also do have income protection
10:47
Speaker 4: within your superannuation. So I had a chat with the
10:50
Speaker 4: claims team and we decided because I was overwhelmed that
10:56
Speaker 4: we'd prioritize the critical illness because that was less paperwork drama,
11:00
Speaker 4: and it was you know, a lump sum that didn't
11:03
Speaker 4: have a waiting period.
11:04
Speaker 2: It just required a diagnosis.
11:06
Speaker 4: Right, yeah, So yeah, it was pretty simple, like I
11:08
Speaker 4: told them, and they said, you know, we just need
11:10
Speaker 4: something like this from the doctor.
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Speaker 2: There was like one form for me to fill out
11:13
Speaker 2: and then they basically did everything and there was.
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Speaker 4: Just updates every now and then going like hey it's
11:18
Speaker 4: moved to this stage or hey it's done this, and
11:20
Speaker 4: then I think it was a text message going it's
11:23
Speaker 4: been accepted and you'll get it, and I didn't even
11:25
Speaker 4: know how much, and then it.
11:26
Speaker 3: Just hit my picture amazing. And what we're talking about
11:29
Speaker 3: here is critical illness, which is trauma insurance, which, as
11:33
Speaker 3: you said before, very succinctly, all you need is a diagnosis.
11:36
Speaker 3: You don't need to go through like a three month
11:38
Speaker 3: weight period. You're not talking to them about whether you
11:40
Speaker 3: have like a sixty ninety or one twenty weight period, like,
11:43
Speaker 3: none of that. It's just if you get diagnosed with something,
11:47
Speaker 3: they have like usually a tiered system where you know
11:50
Speaker 3: if it's really serious like stage four lymphoma. You're going
11:54
Speaker 3: to get a bigger lump sum payout than like a
11:56
Speaker 3: stage one melanoma.
11:57
Speaker 2: So talk to me.
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Speaker 3: What level of cover did you you have and what
12:00
Speaker 3: type of payment got put in your bank account?
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Speaker 4: So it had up two one hundred and twenty four
12:05
Speaker 4: thousand dollars and one hundred and twenty four thousand dollars
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Speaker 4: was paid out, so I got the full amount.
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Speaker 3: Great, and now let's talk through what that actually means,
12:14
Speaker 3: because that's fantastic. Got paid to have cancer. That's pretty terrible.
12:18
Speaker 3: I'd probably pay one hundred and twenty four thousand dollars
12:20
Speaker 3: to not go through that, So I think that's actually
12:22
Speaker 3: a terrible deal. But the entire purpose of trauma cover
12:25
Speaker 3: is to make sure that you have cash available so
12:28
Speaker 3: that you're not financially stressed, so you don't have to
12:30
Speaker 3: you know, sell the family home or like downsize or
12:33
Speaker 3: move back in with your parents or do any of
12:34
Speaker 3: the things that you don't want to do during that period.
12:37
Speaker 3: What have we been spending that money on in the
12:39
Speaker 3: last few months?
12:40
Speaker 2: So actually nothing yet?
12:42
Speaker 3: Okay, iconic, So you did just get paid, So.
12:45
Speaker 4: Yeah, like definitely I would one hundred percent pay that
12:47
Speaker 4: money back to not go through this life experience.
12:49
Speaker 2: But yeah, now we're here. Now that we're here, we're
12:53
Speaker 2: going to make the most of it.
12:54
Speaker 4: So yeah, no, I got it, and i'd I mean
12:57
Speaker 4: unfortunately because I'm using it all up on cancer. But
13:00
Speaker 4: i had a lot of leaves saved, so I've still
13:03
Speaker 4: even though I haven't really worked at all, I've been
13:05
Speaker 4: getting my annually sick leave, everything paid out at half paid,
13:11
Speaker 4: so I've basically.
13:12
Speaker 2: Still been getting a paycheck this whole time.
13:14
Speaker 4: It's just ended like this last fortnight, I've run out officially,
13:18
Speaker 4: but that was enough to cover basically all the bills
13:20
Speaker 4: because also most of my bills decreased because I'm not
13:23
Speaker 4: going anywhere. I'm not doing anything. I'm very immune compromise,
13:27
Speaker 4: so my social life is zilk cha at home. People
13:30
Speaker 4: can visit and watch a movie with me. So I'm saving,
13:34
Speaker 4: like I wouldn't be spending as much money as if
13:36
Speaker 4: I was out living my life and doing things.
13:39
Speaker 2: And you know, I guess beauty of being in Australia, like.
13:42
Speaker 4: Most the healthcare is fully covered, not so much the
13:45
Speaker 4: scans and tests pre diagnosis, but post diagnosis. Everything's been
13:49
Speaker 4: covered so really, all I've had to pay for is
13:52
Speaker 4: the odd prescription or parking at the hospital.
13:55
Speaker 3: So so far, it's just sitting there waiting to do
13:58
Speaker 3: something after this. That makes me so happy that it's
14:01
Speaker 3: just sitting there. Like, Don't get me wrong, I'd also
14:03
Speaker 3: be so happy for you if it had like taken
14:05
Speaker 3: the financial stress off significantly to not pay you know,
14:09
Speaker 3: rent or bills or whatever it is, because not everybody
14:12
Speaker 3: has enough leave saved to be able to, you know,
14:15
Speaker 3: take a significant chunk out of work. What did your
14:18
Speaker 3: income protection look like? So was that something that you
14:21
Speaker 3: applied for later when you were less overwhelmed.
14:23
Speaker 4: Yeap, So we applied for that in January and so
14:28
Speaker 4: far because that's through my super and was not set
14:31
Speaker 4: up through Sky. I originally started the process by like
14:34
Speaker 4: reaching out to Sufa trying to get the forms from them,
14:36
Speaker 4: which was a long process of back and forth always
14:39
Speaker 4: finally got all that. I had to send a bunch
14:41
Speaker 4: of forms off to everyone, you know, employer hematologists again,
14:45
Speaker 4: so it took a while, but I sent them all
14:47
Speaker 4: off beginning of JAM and so far have no response.
14:51
Speaker 4: I'm for following up, but thankfully Sky has also sent us.
14:54
Speaker 4: I was going to say, sent things through so they.
14:57
Speaker 2: Can do all the follow up now and they've taken
15:00
Speaker 2: off my head. Oh good.
15:02
Speaker 4: So I'm really hoping that we can get that sort
15:03
Speaker 4: of by the time I've finished chemo, because I'm imagining like, also,
15:08
Speaker 4: I'm good right now and I haven't needed the critical
15:10
Speaker 4: illness for expenses, but now I've run out of leave
15:13
Speaker 4: and I don't think I would be able.
15:15
Speaker 2: To return to full time work immediately after, so in
15:19
Speaker 2: come protection would be really good for that, like transition.
15:21
Speaker 3: Yeah, And I was going to ask, what's the plan
15:23
Speaker 3: because like, you don't just I was going to say,
15:26
Speaker 3: I'm really lucky to have had experience working with people
15:28
Speaker 3: in your situations. That's not lucky, Like I feel like
15:31
Speaker 3: I'm grateful for the experience because like I've learned so much.
15:34
Speaker 3: But what happens post cancer is often more important financially
15:41
Speaker 3: than what's happening during it, because during it, you've got
15:44
Speaker 3: and like I don't know your personal situation, but during it,
15:47
Speaker 3: most people's expenses drop because you can't leave the house
15:49
Speaker 3: and you're just going back and forth. Like we bitch
15:51
Speaker 3: a lot about hospital parking fees and why are you
15:54
Speaker 3: putting fines on cars of people who are getting chemo rude,
15:57
Speaker 3: you should get a sticker to be like you can't
15:59
Speaker 3: get me, Like I'm actually out of this game at
16:02
Speaker 3: this point, Like that's not okay. But I think the
16:05
Speaker 3: most important thing is, like what's the plan after, because
16:08
Speaker 3: as you said before, you're significantly immunocompromised. Going back into
16:12
Speaker 3: a full time work environment is not a good idea.
16:15
Speaker 3: You are going to be exhausted. You're not just immunocompromised.
16:18
Speaker 3: Your entire body is compromised and has been knocked for
16:21
Speaker 3: six so forty.
16:22
Speaker 2: Hour work weeks.
16:23
Speaker 3: I'm assuming I'm not an option yet. So have you
16:27
Speaker 3: been talking about to go back to work plan or
16:29
Speaker 3: like thinking about it?
16:30
Speaker 2: What does that look like? So, yeah, I've definitely been
16:33
Speaker 2: thinking about it.
16:34
Speaker 4: I will have to have the conversation with work sometime soon,
16:38
Speaker 4: but they have been, thankfully local government very understanding. But yeah,
16:42
Speaker 4: I'm definitely like I obviously priorities changed, like I do
16:46
Speaker 4: not want to put myself under under stress as well,
16:49
Speaker 4: Like I want to take the time and get my
16:52
Speaker 4: health back as much as possible, and yeah, immuno compromised
16:56
Speaker 4: for sure, but like I've also ended up with like
16:59
Speaker 4: a really high heart rate, and I ended up with
17:02
Speaker 4: like a lung infection and like lost all my muscle mass.
17:06
Speaker 4: So like even like leaving the house for like a
17:10
Speaker 4: five minute errand takes like all my energy. So it's
17:13
Speaker 4: like I want to in a very healthy and slow way,
17:17
Speaker 4: like increase things over time. Like it'll be really good
17:21
Speaker 4: to have the money there as well to see things
17:23
Speaker 4: like maybe a physio because like I'm going from not
17:27
Speaker 4: doing anything physically for six months to wanting to move
17:30
Speaker 4: my body again, So to do that in a way
17:32
Speaker 4: that's not going to do injuries or.
17:35
Speaker 2: Any unduced stress or anything.
17:38
Speaker 3: I feel like you sound really balanced about this. Like
17:41
Speaker 3: a lot of the communication that I'm having at the
17:43
Speaker 3: moment with you is just like you're very positive, which
17:46
Speaker 3: I'm adoring, but also you're like, I don't want to
17:48
Speaker 3: put that pressure on my body. I don't want to
17:50
Speaker 3: do this that I'm not used to hearing that I'm
17:53
Speaker 3: used to hearing people grow. I just want to get
17:54
Speaker 3: back into it. I just want to be back where
17:56
Speaker 3: I was, like without identifying that that's going to be
17:59
Speaker 3: a journey. So why is that your mindset? Like how
18:02
Speaker 3: are you in this position? Because it's a fantastic position
18:05
Speaker 3: to be in.
18:05
Speaker 4: I think maybe because of the last year, Like I
18:08
Speaker 4: definitely have been the person who would be like, let
18:10
Speaker 4: me get back to work, let me do it on
18:12
Speaker 4: cold Yeah. I think because I did not know I
18:15
Speaker 4: was sick for most of last year. And I looked
18:18
Speaker 4: back on last year and I was like, all the time,
18:20
Speaker 4: I was so tired, and I just put it down
18:23
Speaker 4: to I'm working a lot, I'm studying a lot, Like
18:26
Speaker 4: I'm just exhausted.
18:27
Speaker 2: But I look back at it and.
18:29
Speaker 4: I'm like, I was like having naps in the car
18:31
Speaker 4: sometimes during lunch and like going home and like immediately
18:37
Speaker 4: after work having a nap. And I also did a
18:40
Speaker 4: bank auder of almost spending last year and spent like
18:43
Speaker 4: I think, on average, like one hundred and fifty dollars
18:46
Speaker 4: a week on eating out because I was just too
18:48
Speaker 4: tired to cook and was, you know, buying breakfast on
18:52
Speaker 4: the way into work and buying dinner on the way home.
18:54
Speaker 4: And I was like, I can't believe that I didn't
18:58
Speaker 4: know I had cancer, Like you know, like I just
19:01
Speaker 4: was like convinced I was overdoing it, and I, despite that,
19:05
Speaker 4: didn't take it easy or didn't do anything to change that.
19:08
Speaker 2: So I think that really shifted going.
19:10
Speaker 4: You spent like a whole year thinking you were really
19:13
Speaker 4: tired and exhausted and overdoing it, you didn't do anything
19:16
Speaker 4: to change that, and turns out you had cancer. Yeah,
19:20
Speaker 4: So I think it's kind of just been a little
19:22
Speaker 4: bit of an awakening experience of like, Okay, maybe we
19:27
Speaker 4: have to be a bit more careful and put our
19:30
Speaker 4: health first a bit more in the future.
19:32
Speaker 3: I mean, it's a very dramatic way to have that reminder. Yeah,
19:35
Speaker 3: definitely very dramatic. But I like that you're prioritizing it now.
19:39
Speaker 3: I want to know because I want to ask you
19:41
Speaker 3: a little bit more about their goals in the future.
19:43
Speaker 3: But I want to know now, what do you do
19:45
Speaker 3: for work and how much money do you earn?
19:47
Speaker 4: So I'm a finance officer for local government and at
19:50
Speaker 4: the moment I earn about eighty nine five hundred pretax
19:55
Speaker 4: and I actually do a pay increase to ninety six
19:57
Speaker 4: thousand in July.
19:59
Speaker 3: Oh yes, please, and we will be there to take that.
20:01
Speaker 2: Thank you.
20:02
Speaker 3: We've got a few months, We've got a few months
20:05
Speaker 3: to get back on track. So talk to me about
20:07
Speaker 3: you took your sick leave and your annual eve and
20:10
Speaker 3: all the leave that you had banked up at half
20:12
Speaker 3: pay and it's just about to run out.
20:15
Speaker 2: Was that enough?
20:17
Speaker 3: Like, do you feel like you were completely sufficient? You
20:19
Speaker 3: didn't feel like you were missing out on anything during
20:21
Speaker 3: that period of time.
20:22
Speaker 4: No, that was that was definitely enough. I think I
20:24
Speaker 4: was still putting it back into savings a little bit
20:27
Speaker 4: as well, but yeah, that's I was like able to
20:30
Speaker 4: kind of let everything just go into an account and
20:32
Speaker 4: everything go out without having to check my bank basically
20:35
Speaker 4: the whole time, which was nice, Like I wasn't having
20:38
Speaker 4: to worry about the bills or anything.
20:39
Speaker 3: All the money was cut totally. Now, talk to me
20:42
Speaker 3: about big money goals because I feel, like you said before,
20:45
Speaker 3: you know, my view on life has changed, and you wrote,
20:48
Speaker 3: I am finishing chemo with a very different definition of
20:51
Speaker 3: what's important in life, and I feel like that's going
20:53
Speaker 3: to change everything. So what are your big goals? What
20:56
Speaker 3: are you working towards.
20:58
Speaker 4: I'm definitely still considering a home too posit, but I
21:00
Speaker 4: think that in my mind has been pushed off a
21:03
Speaker 4: few years because I know again, like that's a major
21:06
Speaker 4: life change and decision that can put a lot of
21:09
Speaker 4: stress on someone and I would want to be back
21:12
Speaker 4: into full time work before doing anything like that, So
21:17
Speaker 4: I think like that will definitely be something that's happening
21:19
Speaker 4: in the background and saving for that. Aside from that,
21:23
Speaker 4: I think it's just probably like reprioritizing the budget and
21:29
Speaker 4: having more allocated to health things and more allocated to
21:34
Speaker 4: like life experiences. I think like the way I want
21:36
Speaker 4: to spend my money has shifted to like experiencing life
21:39
Speaker 4: a bit more and.
21:40
Speaker 2: Maybe less on like materialistic to sis or things like
21:44
Speaker 2: that as well.
21:45
Speaker 3: No, totally, totally. All right, let's go to a really
21:48
Speaker 3: quick break because I have so many questions and we'll
21:50
Speaker 3: get to them in a hot minute. All right, money, dirist,
21:56
Speaker 3: we are back, and I'm just so excited that your
21:59
Speaker 3: last came treatment is coming up and all scans and
22:02
Speaker 3: stuff have been looking really positive thus far. But I'm
22:05
Speaker 3: also just so happy to hear that you had income
22:09
Speaker 3: protection and that you had trauma insurance and that those
22:12
Speaker 3: things were set up. How do you think you would
22:14
Speaker 3: have felt if that wasn't a thing. So, if you'd
22:17
Speaker 3: gotten diagnosed and there was no insurances, like nothing in
22:20
Speaker 3: super what would have that journey looked like for you.
22:23
Speaker 5: I was actually thinking about that the other day, and
22:26
Speaker 5: I know, obviously I would feel a lot more pressure
22:30
Speaker 5: to have worked alongside Chemo or to get back to
22:33
Speaker 5: work a lot quicker.
22:34
Speaker 4: And I think even knowing I have the insurance, before
22:37
Speaker 4: I had confirmed that it was going to be paid out,
22:39
Speaker 4: I was starting to feel that pressure already of just
22:42
Speaker 4: like the what if, Like I don't know how long
22:44
Speaker 4: I'm going to be sick for. Should I be working
22:46
Speaker 4: when I feel good just in case. So one definitely
22:51
Speaker 4: took the mental load off, definitely took any pressure of
22:54
Speaker 4: having to work off. But I think the other thing
22:56
Speaker 4: is I was really happy with the fact that, like
23:00
Speaker 4: I had a full emergency savings, I had some investments.
23:04
Speaker 4: I was really happy with the way my money was going,
23:07
Speaker 4: and like the home deposits I were saving, And so
23:10
Speaker 4: I think without this I would have had to probably
23:13
Speaker 4: use those, I would have had to use the emergency savings.
23:16
Speaker 4: Probably eventually that would have run out and I would
23:19
Speaker 4: have to def into the home deposit savings or something.
23:22
Speaker 4: So I think I'm mostly positive about the experience, but
23:25
Speaker 4: cancer has taken a lot of experiences from me and
23:28
Speaker 4: a lot of time away from me, and I think
23:32
Speaker 4: it means that it didn't take away my financial progress
23:35
Speaker 4: and my financial goals, like it hasn't put me back.
23:39
Speaker 4: In fact, it's probably moved me forward, because yes, I've
23:41
Speaker 4: been paid.
23:42
Speaker 2: To have guests.
23:43
Speaker 3: I mean, that's probably a morbid way of putting it,
23:45
Speaker 3: And maybe people who aren't in the finance space and
23:49
Speaker 3: have had the experiences I have had might be really
23:51
Speaker 3: jarred with me saying that and being like, what the hell, Victoria,
23:54
Speaker 3: that's so insensitive. I'm telling you right now, I have
23:57
Speaker 3: never met one person going through this who isn't like, yeah,
24:00
Speaker 3: that's a bonus.
24:01
Speaker 2: Yeah, Like, it is what it is.
24:03
Speaker 3: Sometimes you've just got to call a pig a pig,
24:05
Speaker 3: Like you've just got to be like, that's if it
24:07
Speaker 3: walks like a duck and a quacks like a duck,
24:09
Speaker 3: but you know what it is, it's a duck.
24:11
Speaker 2: Yeah.
24:12
Speaker 4: Like I handed over a form that said I had
24:14
Speaker 4: cancer and someone gave me one hundred and twenty four thousand.
24:16
Speaker 3: I mean, like we would go back in time and
24:18
Speaker 3: not have cancer if it was an option, but it's not.
24:21
Speaker 3: So at least we're trying to make Hey, while the
24:23
Speaker 3: sun is shining, you know, yeah, so talk to me.
24:26
Speaker 3: You're a finance girly through and through, like you're one
24:29
Speaker 3: of us. What were your investments, what were you investing in?
24:32
Speaker 3: And are you still investing?
24:34
Speaker 4: So I haven't been actively investing for a while, but
24:38
Speaker 4: I do have obviously my super which is about seventy
24:43
Speaker 4: six thousand, very nice. And then I have some ETFs
24:47
Speaker 4: in self wealth, which are about sixteen thousand, two hundred
24:51
Speaker 4: ethical ets, some beatashes, some Vanguard, and some SMP five hundred.
24:55
Speaker 3: Oh nice little mix.
24:56
Speaker 4: And yeah, I hadn't been regularly investing for a while,
24:59
Speaker 4: but I had that at ten thousand, and it's made
25:03
Speaker 4: like a six thousand, two hundred profit.
25:06
Speaker 2: Very nice, pretty, very nice. We like to see it.
25:10
Speaker 3: And then you've been saving for your first home. What
25:13
Speaker 3: kind of deposit have you got thus far?
25:15
Speaker 4: Yep, so I had about a twenty five thousand dollars
25:18
Speaker 4: deposit there and fifteen thousand in emergency.
25:22
Speaker 3: Oh look at you. I was about to ask about emergency.
25:24
Speaker 2: Look at you.
25:25
Speaker 3: And then you've just got one hundred and twenty four
25:26
Speaker 3: thousand sitting to the side for whatever will happen, which
25:31
Speaker 3: ideally isn't going to cost you too much. We're hoping.
25:34
Speaker 3: So in the grand scheme of things, I used to
25:36
Speaker 3: always talk to my clients like, I'm hoping that you
25:38
Speaker 3: get to keep all your trauma payment because we get
25:40
Speaker 3: to live off our income protection. And again, for everyone
25:44
Speaker 3: playing along at home, income protection is not one hundred
25:47
Speaker 3: percent of your salary. It will usually be about seventy
25:50
Speaker 3: to seventy five percent of your salary. For some policies
25:53
Speaker 3: that might be eighty just depends on which company you're with.
25:56
Speaker 3: For eighty is relatively rare.
25:58
Speaker 2: What's the plan with that?
25:59
Speaker 3: Do you think that that will be enough income protection
26:02
Speaker 3: to mean you probably don't have to dip into that
26:04
Speaker 3: trauma fund?
26:05
Speaker 2: I think it should be.
26:06
Speaker 4: Yes, So I'm really hoping that that is sorted soon,
26:09
Speaker 4: and I have answers about that, but yeah, I definitely
26:12
Speaker 4: think that will be enough, like I can live off that.
26:16
Speaker 4: And then if that's the case, then the critical illness
26:18
Speaker 4: obviously it also comes with you can.
26:20
Speaker 2: Get financial advice reinvest you can.
26:24
Speaker 4: Yes, So when that's all locked in and I know
26:27
Speaker 4: that I won't have to spend too much of that,
26:29
Speaker 4: I can go see a financial advisor and we can
26:31
Speaker 4: get some of that invested, and yes, see what's the
26:35
Speaker 4: best thing to do with that is, Look, if we're
26:36
Speaker 4: going to get anything out of this, it better be
26:38
Speaker 4: a bloody good financial position. I was going to say,
26:41
Speaker 4: so if that's the case, in income protection, ideally recover
26:44
Speaker 4: all of your expenses and keep you exactly on track.
26:48
Speaker 2: Have you got plans for it?
26:49
Speaker 3: Like do you want to invest that one twenty four
26:52
Speaker 3: or that go to hoards a home deposit, or you
26:53
Speaker 3: split it, or you're going on a big cruise. Who knows, Like,
26:56
Speaker 3: have you got any big earmarks for that capital yet?
27:00
Speaker 4: I think I would maybe keep like a tiny bit
27:03
Speaker 4: forum deposit. But again, like I think probably the cancer
27:07
Speaker 4: has like shifted those goals out a few years because
27:10
Speaker 4: I just don't really want the admin of buying a
27:13
Speaker 4: home and soon no thank you. So I think like
27:16
Speaker 4: i'd probably want to invest most of it and have
27:19
Speaker 4: it going like there and actively you know, generating future
27:22
Speaker 4: income and wealth. So I think that would be the
27:25
Speaker 4: main thing. Maybe save a little bit for a holiday,
27:28
Speaker 4: but I think most of it get invested.
27:31
Speaker 2: No, I love it.
27:32
Speaker 3: I love it, and I just I'm so glad you're
27:34
Speaker 3: going to be in a better situation. Like it's just
27:37
Speaker 3: it's phenomenal to know that there are things that you
27:39
Speaker 3: can put in place, even at twenty eight, to make
27:42
Speaker 3: sure that future.
27:43
Speaker 2: You is okay.
27:44
Speaker 3: And it's so relatable that you were like, oh, I
27:47
Speaker 3: got the fees and I was like, I don't even
27:49
Speaker 3: know if I want to do this, and I'm glad
27:50
Speaker 3: you did. But I feel like we all get that
27:53
Speaker 3: kind of like price shock. We go, oh wait, income
27:56
Speaker 3: protection is actually a little bit pricey, yes, but it'll
28:01
Speaker 3: be worth it. Obviously, you're glad.
28:03
Speaker 2: That you did it.
28:04
Speaker 3: What will you say to other twenty six twenty seven
28:06
Speaker 3: year olds who kind of just don't see the point.
28:08
Speaker 3: What would you be saying to them in this moment?
28:10
Speaker 2: Yeah.
28:10
Speaker 4: I mean I've been saying to everyone now like you
28:13
Speaker 4: need to go. You should just and I've been recommending
28:15
Speaker 4: sky Wealth because it is just so accessible with the
28:18
Speaker 4: like one lump sum and they do all the guesswork
28:21
Speaker 4: for you. But I was like, you should just go,
28:23
Speaker 4: and you should just talk to them, because I talked
28:26
Speaker 4: to them and was like, you know what, actually, I'm
28:28
Speaker 4: a little bit scared of how much this is.
28:29
Speaker 2: And I think we ended up adjusting TPD down a
28:33
Speaker 2: little bit just to make it a bit more affordable.
28:35
Speaker 2: So I'm like, you know, just go and look into it,
28:38
Speaker 2: because you never know what's going to happen, you don't.
28:40
Speaker 4: And I think the week of my diagnosis, I got
28:43
Speaker 4: an email from I think it was Taal saying you've
28:47
Speaker 4: had cover for one year. It's like one year anniversary.
28:50
Speaker 4: And I just couldn't believe that one year And it
28:53
Speaker 4: was like the week of my diagnosis. So I just, yeah,
28:56
Speaker 4: tell her and like, no, you have to you have
28:58
Speaker 4: to go figure it out, like yeah, you know, even
29:01
Speaker 4: just talk to the like experts who know, see if
29:04
Speaker 4: you can get something that's more on your affordable like
29:06
Speaker 4: just anything's better than nothing still, and be honest.
29:09
Speaker 3: About it, like we're just people as well, Like yes,
29:11
Speaker 3: we're financial advisors, but like we get that it's expensive.
29:15
Speaker 3: I don't think it's I feel like a lot of
29:16
Speaker 3: us are embarrassed to go back and be like, oh,
29:19
Speaker 3: actually I got really shocked when I saw that price
29:21
Speaker 3: because we don't want to talk about that because like
29:23
Speaker 3: is that embarrassing?
29:24
Speaker 1: I don't know.
29:25
Speaker 3: But talk to your advisor about it. I promise they
29:28
Speaker 3: will be like, oh my gosh, girl, I know when
29:30
Speaker 3: I got my insurance is done, I thought they were
29:32
Speaker 3: cooked as well, and then we can have a chat
29:33
Speaker 3: about the levers that we can pull. Or you know,
29:36
Speaker 3: if you have income protection and you said that you
29:38
Speaker 3: wanted to wait sixty days to get it, maybe we
29:40
Speaker 3: push it to ninety and the fees drop, and maybe
29:43
Speaker 3: we push it to one hundred and twenty days and
29:44
Speaker 3: the fees drop again. Just like your cover for trauma,
29:47
Speaker 3: you would have adjusted it slightly and it would have
29:50
Speaker 3: gotten cheaper. Yes, you don't get as much payout, but
29:53
Speaker 3: like it would have been more than enough for your
29:55
Speaker 3: situation still, because we're not going to let you go
29:57
Speaker 3: away with incomplete insurances. But I think there's a lot
30:00
Speaker 3: that you can do. And at the end of the day,
30:02
Speaker 3: we're just people who want to talk you through this.
30:04
Speaker 3: Don't let that price tag shock mean that you don't
30:07
Speaker 3: got We and get it or implement it. And as
30:10
Speaker 3: you were saying before, you've got your income protection frustratingly
30:14
Speaker 3: through your super because it's a bit more of a
30:16
Speaker 3: complex process, but that means it gets paid out of
30:18
Speaker 3: your super, so that's not being budgeted into your weekly budget,
30:22
Speaker 3: which is kind of a money whin.
30:23
Speaker 4: I think, yeah, that's the thing as well, is like
30:25
Speaker 4: it looks really scary when they're giving you all the
30:28
Speaker 4: quotes and then like eighty percent of that is hidden
30:31
Speaker 4: away in super and you can like turn a blind
30:33
Speaker 4: eye to a squats.
30:34
Speaker 3: You can pretend it's not happening. You're like, that's a
30:37
Speaker 3: tax effective environment. So that makes sense for sure. So
30:41
Speaker 3: talk to me, what is your best money habit?
30:43
Speaker 2: I think that's so.
30:45
Speaker 4: Money habit is. I've always had an emergency savings count. Sure,
30:49
Speaker 4: I knew what an emergency savings count like, even baby
30:53
Speaker 4: me with like first job and it was like five
30:55
Speaker 4: thousand dollars. I was always like, there always has to
30:58
Speaker 4: be a certain amount of money that is just like
31:00
Speaker 4: that is for the worst case scenario. And I've just
31:04
Speaker 4: always done that. So I think that's probably my best
31:06
Speaker 4: money haven't And thankfully this time I haven't needed it.
31:08
Speaker 2: But it was there.
31:09
Speaker 3: And you know what, I want your emergency fund to
31:12
Speaker 3: like be useless and not need it. I also want
31:15
Speaker 3: your insurances to be the biggest waste of money you
31:17
Speaker 3: ever spend money on, because if you've got insurances that
31:20
Speaker 3: you're paying for and you're like look back in sixty
31:23
Speaker 3: years and go, oh my god, Victoria as my financial advisor.
31:26
Speaker 2: Why did you set that up?
31:27
Speaker 3: That was such a waste? I never claimed on it. Good, Like,
31:30
Speaker 3: that's the point. I want it to be the biggest
31:33
Speaker 3: waste of money. But on the flip side, money, diris,
31:36
Speaker 3: that was a pretty good investment.
31:37
Speaker 2: Not gonna lie.
31:38
Speaker 3: You only had to pay one year of fees before
31:39
Speaker 3: you got one hundred and twenty four grand. Oh yea,
31:41
Speaker 3: y yeah, that's a pretty good return.
31:42
Speaker 2: On the investment. I think I did the math, like,
31:44
Speaker 2: I think I was paying like one hundred and ten
31:46
Speaker 2: dollars a month for it, so it's like, here we go.
31:49
Speaker 2: I was like, oh wow, that was that was a
31:51
Speaker 2: very profitable one.
31:52
Speaker 3: You know what, We've got to make hay while the
31:54
Speaker 3: sun's shining and kind of laugh a little bit about it,
31:56
Speaker 3: because that's the finance side. When we are protected, can
32:00
Speaker 3: be laughed about, but it can't be if we aren't protected.
32:03
Speaker 3: And nothing else about this journey is funny. So we
32:06
Speaker 3: really do have to find the tiny pockets of joy
32:08
Speaker 3: where we can have a bit of a laugh at
32:11
Speaker 3: literally nobody's expense except for the insurers.
32:13
Speaker 2: My sister jokes, she's like, it's not what you can
32:16
Speaker 2: do for cancer, it's what cancer can do for you,
32:18
Speaker 2: you know what.
32:18
Speaker 3: I like that I'm probably not going to use it.
32:21
Speaker 3: I feel like you can only use it if you
32:23
Speaker 3: have cancer.
32:24
Speaker 2: But pop off, queen.
32:25
Speaker 3: I'm like, you know what, Yeah, I can get things
32:28
Speaker 3: at I know we allowed to laugh when people say that.
32:30
Speaker 2: I think, so as the person with cancer, I say
32:32
Speaker 2: it's okay.
32:33
Speaker 3: Yeah, okay, thank you for the permission, because I was like,
32:35
Speaker 3: oh am, I meant to laugh at this, because sometimes
32:37
Speaker 3: morbid jokes are like, we're not meant to find that funny.
32:40
Speaker 3: Now money dires to flip it and maybe be funny again.
32:43
Speaker 3: What's your worst money habit as a self proclaimed finance gurly, Yes, so.
32:47
Speaker 4: I think as a finance gurly, I do have like
32:52
Speaker 4: an overspending problem and really bad with monitoring money and
32:56
Speaker 4: keeping a budget. But in saying that, I always make
33:00
Speaker 4: sure my own is fund and my savings and bills
33:03
Speaker 4: are all fed first, so good. It never put me
33:05
Speaker 4: in a bad position. I just want to get better
33:08
Speaker 4: at it.
33:09
Speaker 3: But you're just self aware and you're like, I should
33:11
Speaker 3: probably clean it up here a little bit.
33:13
Speaker 2: Yeah, Just like as someone who's been in the finance space,
33:17
Speaker 2: I'm like, we could be doing better.
33:18
Speaker 3: Yeah, okay, And at the start of the episode, you said, look,
33:22
Speaker 3: given what I know, I think I'm a B. What
33:24
Speaker 3: would it take to get you from a B to
33:26
Speaker 3: an A?
33:27
Speaker 4: I mean, I think I've actually like taken some of
33:30
Speaker 4: the time that I haven't been working when I'm feeling
33:33
Speaker 4: good to do your budgeting MasterCards.
33:36
Speaker 2: Oh.
33:37
Speaker 3: I love that you're fully in the cult you went
33:39
Speaker 3: in saw Sky Wealth got set up. You're doing my
33:42
Speaker 3: money masterclass like the girls that get it get it
33:45
Speaker 3: and then they get paid apparently.
33:46
Speaker 2: And I've started the investing MasterCards.
33:49
Speaker 4: Well, so I think definitely like going and seeing a
33:52
Speaker 4: financial advisor and getting this one hundred k sorded will
33:57
Speaker 4: be really good. But I think for me it's just
33:59
Speaker 4: as that transaction back into normal life getting some routines
34:03
Speaker 4: in place, Like I want to be back into regularly investing.
34:07
Speaker 4: I want to be back into just knowing where my
34:09
Speaker 4: money goes. Because yeah, when I did the banking order,
34:12
Speaker 4: I was like, have to give myself full grace for
34:15
Speaker 4: last year because we didn't know we had cancer for
34:17
Speaker 4: most of the year. So when I see that I
34:19
Speaker 4: spent a lot on like inning out, it's like, obviously
34:21
Speaker 4: give myself grace. But I think I didn't know that
34:25
Speaker 4: I was messed that much. So just want to be
34:27
Speaker 4: more in the know about my money. I think would
34:30
Speaker 4: take it to an accur Yeah, I love that.
34:31
Speaker 3: I feel like you've got such a good level of
34:33
Speaker 3: self reflection but also humor in this situation.
34:36
Speaker 2: Like you are so positive.
34:38
Speaker 3: I love it. You're like, nope, this is what the
34:39
Speaker 3: next steps are, and like you seem so well balanced
34:42
Speaker 3: about going. No, I really want to like transition well
34:44
Speaker 3: back to work and like give myself grace. Like these
34:47
Speaker 3: are all the things that I want to hear from people,
34:49
Speaker 3: whether you've got cancer or not. Like, let's just give
34:52
Speaker 3: ourselves a bit more grace, Like let's just let things
34:55
Speaker 3: happen instead of going gung ho straight back into it,
34:58
Speaker 3: because you would just burn yourself out. It'll be a
35:00
Speaker 3: terrible recipe.
35:01
Speaker 2: Yeah, definitely.
35:02
Speaker 4: No, I'm like I want to take it easy, enjoy life,
35:06
Speaker 4: prioritize friends, family, enjoying things like even things like just
35:11
Speaker 4: going to the beach. I haven't been able to swim
35:13
Speaker 4: or go to the beach, so I'm just like just
35:15
Speaker 4: go and enjoy life and take things easy.
35:17
Speaker 3: When you found out in September, so you had to
35:20
Speaker 3: have the full cancer stuff happen over the Christmas New
35:23
Speaker 3: Year period where it was like the best time like
35:27
Speaker 3: weather wise.
35:28
Speaker 2: That's extra root, isn't it.
35:29
Speaker 4: I know the whole summer and you're no no pool
35:32
Speaker 4: but no beach, and you're more UV sensitive as well,
35:35
Speaker 4: and I lay pale is a ghost.
35:38
Speaker 2: So already you've you.
35:39
Speaker 3: Know what, you're going to have flawless skin for staying
35:41
Speaker 3: inside for so long, you're aging backwards.
35:44
Speaker 2: I'm pretty sure chemo has been great for my skin.
35:46
Speaker 3: It's you know, it's the quote you used before.
35:48
Speaker 2: It's not what you can do for cancer, right Yeah.
35:51
Speaker 4: So yeah, as soon as I'm super well and immunity good,
35:54
Speaker 4: I must travel to wherever it has summer and enjoy summer.
35:58
Speaker 3: I think you deserve that absolutely.
36:00
Speaker 2: Oh my gosh.
36:01
Speaker 3: I have loved getting to know you, getting to know
36:03
Speaker 3: your story. I just feel like I want to be
36:05
Speaker 3: your best friend already, Like your just vibe is one
36:08
Speaker 3: thousand percent my vibe, Like you're just so fun and
36:11
Speaker 3: nice and just all of those things. So thank you
36:14
Speaker 3: for sharing your story and being so open about it,
36:16
Speaker 3: because it is hard to talk about. Like I know
36:18
Speaker 3: that we've had a bit of a laugh during this,
36:20
Speaker 3: but this is really bloody rough and it is not
36:22
Speaker 3: something that I wish on anybody. And I'm just I'm
36:25
Speaker 3: so glad that your chemo is wrapping up, and I'm
36:27
Speaker 3: so glad that all of your scans to date have
36:29
Speaker 3: been showing nothing, and I'm hoping that that's exactly how
36:32
Speaker 3: they stay. But it is not a miss on me
36:34
Speaker 3: that this has probably been rough to talk about, and
36:37
Speaker 3: I just I really appreciate it, and I know that
36:39
Speaker 3: my community is going to be so grateful to his
36:41
Speaker 3: stories like this, and just knowing that hopefully even one
36:44
Speaker 3: more person goes and gets their stuff sorted and they're
36:47
Speaker 3: going to be protected when this happens, just makes it
36:50
Speaker 3: all worthwhile.
36:51
Speaker 2: So thank you so much. Well, thank you so much.
36:53
Speaker 2: It was definitely a story like this that commits me
36:55
Speaker 2: to go get it.
36:56
Speaker 4: So I really hope someone else goes and sorts out
36:58
Speaker 4: their insurances, helps them or it doesn't help them me too.
37:02
Speaker 2: Also, be good.
37:03
Speaker 3: I want you to waste your money, hopefully go give
37:06
Speaker 3: it all to sky Welf and then never look back.
37:08
Speaker 2: Yes, I love it. Thank you so much. It's so
37:12
Speaker 2: good to me.
37:17
Speaker 3: The advice shared on She's on the Money is general
37:20
Speaker 3: in nature and does not consider your individual circumstances. She's
37:24
Speaker 3: on the Money exists purely for educational purposes and should
37:27
Speaker 3: not be relied upon to make an investment or financial decision.
37:31
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