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MONEY DIARIES: Sheep, Surrogacy, and The $200k Side Hustle · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order Kernye Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 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
• 1:01
  Speaker 2: for millennials who want financial freedom. Welcome back to my
• 1:05
  Speaker 2: favorite episode of the week, Money Diaries, where I get
• 1:08
  Speaker 2: the absolute pleasure of sitting down with one of our
• 1:10
  Speaker 2: beautiful She's on the Money community members and talking all
• 1:14
  Speaker 2: about their journey. Let's jump straight into it because this
• 1:17
  Speaker 2: week the team got a message and it sounded exactly
• 1:20
  Speaker 2: like this. Hi, Victoria. Growing up, I lived on a
• 1:24
  Speaker 2: farm during the drought where money was tight and was
• 1:27
  Speaker 2: always told things were too expensive. It made me really
• 1:30
  Speaker 2: anxious as a kid and anxious about money. Now, I'm
• 1:33
  Speaker 2: a farmer and I have investments in shares and farming
• 1:37
  Speaker 2: and multiple side hustles that we make between one hundred
• 1:40
  Speaker 2: and two hundred thousand dollars extra per year from. I'm
• 1:45
  Speaker 2: in a same sex relationship, and I'm currently going through
• 1:47
  Speaker 2: the surrogacy process to have a baby. Money Diaris, I'm
• 1:51
  Speaker 2: so excited to talk to you. Welcome to the show.
• 1:54
  Speaker 4: Thanks for having me.
• 1:55
  Speaker 2: Oh my gosh, I think you're the first guy that
• 1:57
  Speaker 2: we've had on the pod. How great is this?
• 1:59
  Speaker 4: Well, I'm on it to be the first, hopefully one
• 2:01
  Speaker 4: of many.
• 2:01
  Speaker 2: It's not because I don't want them, it's because no
• 2:03
  Speaker 2: one's written.
• 2:04
  Speaker 4: In Well, I'm a big fan.
• 2:07
  Speaker 2: We can only share the stories that people want to
• 2:10
  Speaker 2: share with us, you know. Oh my gosh, I'm really
• 2:13
  Speaker 2: really excited because there's just so much in your story
• 2:15
  Speaker 2: that I want to unpack, Like that is a lot,
• 2:18
  Speaker 2: and you've condensed it into a very short paragraph and
• 2:20
  Speaker 2: it just leaves a lot of questions. So, as always,
• 2:25
  Speaker 2: let's start the podcast in exactly the same way I
• 2:27
  Speaker 2: always do. Money Doris, I want to know what great
• 2:30
  Speaker 2: would you give your money habits if I asked you
• 2:32
  Speaker 2: to give them a grade from A through to F.
• 2:35
  Speaker 4: I've given this a lot of thought, and I think
• 2:38
  Speaker 4: now with the investments I've taken in my own education
• 2:42
  Speaker 4: with finance and everything, that I'll be comfortable to give
• 2:45
  Speaker 4: myself an A and A.
• 2:46
  Speaker 3: Oh.
• 2:46
  Speaker 2: I love this. I'm probably not going to fight you
• 2:48
  Speaker 2: at the end, and last week I did fight somebody,
• 2:51
  Speaker 2: so like, this is a really good turnaround from me.
• 2:55
  Speaker 2: I want to know now, you've obviously given us a
• 2:57
  Speaker 2: really good summary of wave from where you are now,
• 3:01
  Speaker 2: but let's dive in a little bit deeper. I want
• 3:03
  Speaker 2: to know more about your money story. Can you please
• 3:05
  Speaker 2: share whatever you're comfortable with?
• 3:08
  Speaker 4: Yes. So I think it all stems back from my
• 3:11
  Speaker 4: parents put up when I was about five, and not
• 3:14
  Speaker 4: that I really remember money before then, but after that,
• 3:17
  Speaker 4: I remember Mum she went to Tafe and got educated
• 3:20
  Speaker 4: and started from basically nothing, and I remember, you know,
• 3:24
  Speaker 4: she rented for ages and then she could afford a
• 3:27
  Speaker 4: house and brought a first house and it was such
• 3:29
  Speaker 4: a big milestone. And I remember seeing that, and I
• 3:31
  Speaker 4: think that's a big sort of role model sort of
• 3:34
  Speaker 4: mentality that I grew up with. But in my teenage years,
• 3:38
  Speaker 4: both parents remarried and I would live sort of in
• 3:41
  Speaker 4: between Mum and dad each week. But through my teenage
• 3:44
  Speaker 4: years we went through a decade long drought, which was
• 3:47
  Speaker 4: a really really long one for us. And with farming,
• 3:50
  Speaker 4: droughts happened, and things happen and you sort of prepare
• 3:53
  Speaker 4: for it. But ten years is a long time to
• 3:56
  Speaker 4: you know, have minimal income or you know that sort
• 3:58
  Speaker 4: of thing. So that a way sort of made me
• 4:01
  Speaker 4: a little bit anxious about money, I guess. And I
• 4:03
  Speaker 4: was always an anxious kid growing up. I never you know,
• 4:05
  Speaker 4: did school sports or went on school camps or anything
• 4:08
  Speaker 4: like that. Sort of struggled through that, and then I
• 4:11
  Speaker 4: think from all that, even into my adulthood eighteen through
• 4:17
  Speaker 4: to twenty three, Yeah, I couldn't even go into like
• 4:20
  Speaker 4: shops or rarely do the grocery shop. I could do
• 4:23
  Speaker 4: little ones, but there was a couple of times I
• 4:25
  Speaker 4: would get the trolley full and then ditch it through
• 4:27
  Speaker 4: the dog frudial and run out there because I couldn't
• 4:30
  Speaker 4: go through the checkout, which is a little bit embarrassing.
• 4:32
  Speaker 4: That's not embarrassing, but it's all part of the journey.
• 4:36
  Speaker 4: And I think that I'm grateful for all those hurdles
• 4:40
  Speaker 4: that I went through along the way, and I think
• 4:43
  Speaker 4: it sort of molds you into the person that you
• 4:45
  Speaker 4: are and how I am with money now, and I'm
• 4:47
  Speaker 4: really thankful for that. Like I always think, oh, what
• 4:49
  Speaker 4: would life be like with my parents back together again?
• 4:51
  Speaker 4: But I think, you know, they weren't happy, and it's
• 4:54
  Speaker 4: probably the best thing that happened long term, because I
• 4:57
  Speaker 4: wouldn't be where I am today or were my family today.
• 5:00
  Speaker 4: So but yeah, and then after that, we lost our
• 5:03
  Speaker 4: house to a fire, Oh my god, and that was
• 5:06
  Speaker 4: our family farm home and that was a massive thing.
• 5:08
  Speaker 4: And I had no control of my anxiety or depression
• 5:11
  Speaker 4: at that stage, and that was real rock bottom. But
• 5:13
  Speaker 4: then with the rebuild of the house, my dad and
• 5:15
  Speaker 4: my grandparents gave me the task of being in charge
• 5:18
  Speaker 4: of the rebuild and I was like, no way I
• 5:20
  Speaker 4: could do that.
• 5:21
  Speaker 2: How old were you?
• 5:22
  Speaker 4: I was about twenty three at this stage.
• 5:24
  Speaker 2: All right here, I am thinking a twelve year old
• 5:26
  Speaker 2: has been tasked, not rebuilt. Sometimes we do require a
• 5:29
  Speaker 2: little bit of additional context.
• 5:32
  Speaker 4: Sorry, but yeah, So that was a big thing because like,
• 5:35
  Speaker 4: no way I could walk into shops and pick out
• 5:37
  Speaker 4: stuff like because I couldn't even do my own shopping,
• 5:39
  Speaker 4: let alone walking into a tile shop or anything like that.
• 5:42
  Speaker 4: But they really pushed me. I'm glad that they did
• 5:44
  Speaker 4: because that's what really taught me how to sort of
• 5:47
  Speaker 4: control my anxiety and understand those different feelings I was having.
• 5:51
  Speaker 4: And I got some help from the doctor and that
• 5:53
  Speaker 4: was a big turning point. But I think, in a nutshell,
• 5:55
  Speaker 4: that's sort of yeah, my money journey, Oh.
• 5:58
  Speaker 2: I love it. There's so many questions. Tell me about
• 6:00
  Speaker 2: life today. Obviously we're not leaving trolleys of food in
• 6:03
  Speaker 2: the dog food aisle anymore. I'm assuming, but like, tell me,
• 6:08
  Speaker 2: you're obviously a farmer, you have investments and shares, and
• 6:11
  Speaker 2: you're in a beautiful relationship, and you're going through the
• 6:14
  Speaker 2: surrogacy process. But tell me a little bit more about
• 6:17
  Speaker 2: that part of your life because that's really exciting.
• 6:20
  Speaker 4: It is really exciting. It's amazing to think how far
• 6:22
  Speaker 4: I've come. Men, I've run a mental health organization and
• 6:25
  Speaker 4: that sort of pushed my boundaries a bit more. And
• 6:27
  Speaker 4: then I met my partner now husband.
• 6:30
  Speaker 2: Congrats, thank you.
• 6:32
  Speaker 4: He really brings the best out enemy and has really
• 6:34
  Speaker 4: helped me flourish, and we lean on each other because
• 6:37
  Speaker 4: you know, we both have our things that we struggle with,
• 6:39
  Speaker 4: but we sort of lean on each other in those
• 6:41
  Speaker 4: times and you know, get through it and we're better
• 6:43
  Speaker 4: off with each other. So it's absolutely amazing. And yeah,
• 6:46
  Speaker 4: now we're about to have a baby.
• 6:49
  Speaker 2: I'm so excited for you.
• 6:51
  Speaker 4: Gone through that whole surrogacy thing. It's been about two
• 6:54
  Speaker 4: years in the making. We found a surrogate about twelve
• 6:57
  Speaker 4: months ago, which happens to be my partner's cousin. So
• 7:00
  Speaker 4: that was amazing and very very thankful that, you know,
• 7:03
  Speaker 4: we found someone so close that could be out. Sorry,
• 7:06
  Speaker 4: and they both got sisters and they both offered their
• 7:09
  Speaker 4: eggs as well, so we've got full blood babies.
• 7:12
  Speaker 2: No you don't. That makes me so happy.
• 7:15
  Speaker 4: Oh makes me want to cry.
• 7:16
  Speaker 2: Now, when's baby coming?
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  Speaker 4: So we're just going through quarantine. Now, we've got the
• 7:20
  Speaker 4: embryos frozen, so we've done that whole process and now yeah,
• 7:25
  Speaker 4: we've got to wait three months and then we can
• 7:28
  Speaker 4: get them tested again and then we can put them in.
• 7:30
  Speaker 4: So set to put them in in December. Oh, fingers crossed.
• 7:34
  Speaker 2: That's so exciting. You could have a twenty twenty four.
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  Speaker 2: Baby like me.
• 7:37
  Speaker 4: Let's hope.
• 7:38
  Speaker 2: So, oh we can make our babies be friends. I
• 7:40
  Speaker 2: love this. This is the best thing in the entire world.
• 7:43
  Speaker 2: I have a lot of questions. Let's get back on track,
• 7:46
  Speaker 2: because I'm sure that they will hop up as we go. Now,
• 7:49
  Speaker 2: you mentioned obviously you're a farmer, but you also have
• 7:52
  Speaker 2: investments and shares in I guess in the share market,
• 7:56
  Speaker 2: but also in farming. Tell me what you do for work,
• 7:58
  Speaker 2: but also how much money you want.
• 8:00
  Speaker 4: Yeah, so me and my partner have the exact same job,
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  Speaker 4: which is on the family farm, and forty four thousand
• 8:07
  Speaker 4: each hits our bank account, and then we've got yes
• 8:10
  Speaker 4: super intacs on top of that. So that's our main
• 8:13
  Speaker 4: job and we're just basically farm hams. But we also
• 8:15
  Speaker 4: do all the marketing for the farm, and I'm sort
• 8:18
  Speaker 4: of in charge of the finances and all the budgets
• 8:21
  Speaker 4: and stuff with his mum, so that's really cool. And
• 8:24
  Speaker 4: then we have a few like little side hustles as well.
• 8:27
  Speaker 4: We purchased a farm, which we had to go over
• 8:30
  Speaker 4: the top to try and buy it because buying a
• 8:32
  Speaker 4: farm is a massive thing and the bank's not really
• 8:35
  Speaker 4: easy to get the money.
• 8:36
  Speaker 2: How much does the farm cost? Obviously I'm just being pervy,
• 8:39
  Speaker 2: but like we need to know. I've never bought a farm.
• 8:42
  Speaker 4: Yeah, this one costs us about eight hundred thousand, so
• 8:45
  Speaker 4: it's not as.
• 8:45
  Speaker 2: Bad as I thought. But that's a lot given you
• 8:47
  Speaker 2: both having comes to forty four thousand dollars like that
• 8:50
  Speaker 2: would have been a stretch.
• 8:51
  Speaker 4: Hey it was, but there was a really really ran
• 8:53
  Speaker 4: down farm and it's about four hundred acres, so.
• 8:56
  Speaker 2: Oh my gosh, that cost per square meter is very sexy.
• 9:01
  Speaker 4: Yeah, that's right. So yeah, we do that. And then
• 9:04
  Speaker 4: on that farm that we brought, we have calves, so
• 9:06
  Speaker 4: we have like cows and calves and those cars. This
• 9:09
  Speaker 4: year we'll get about forty thousand. Last year we've got
• 9:11
  Speaker 4: about sixty, but that's because the price fluctuations that they
• 9:15
  Speaker 4: are now, so they've come down so we'll get less
• 9:17
  Speaker 4: for them. And then we do some like photography and
• 9:20
  Speaker 4: videography work.
• 9:21
  Speaker 2: Oh cool, I did not expect that that is left field.
• 9:24
  Speaker 4: It is, but in the studstock industry, like with the
• 9:27
  Speaker 4: sheep and cattle and stuff, we film and take photos
• 9:30
  Speaker 4: and you know, then they can sell them online. And
• 9:32
  Speaker 4: it's all about the genetics and that type of thing.
• 9:34
  Speaker 2: So niche but obviously lucrative.
• 9:36
  Speaker 4: Yeah. So we will make between eighty and one hundred
• 9:39
  Speaker 4: k from that this year. And then we have oh
• 9:43
  Speaker 4: there's more, Yeah, there's one more. You'll love this one,
• 9:46
  Speaker 4: trust me, I'm ready. We have stud border collies.
• 9:50
  Speaker 2: Oh my gosh, I do love this one.
• 9:53
  Speaker 4: So we have border Collie work dogs. Each year. We'll
• 9:56
  Speaker 4: probably have like one leader. Occasionally we'll have two depending
• 9:59
  Speaker 4: on what's happened. But we get about you know, twenty
• 10:01
  Speaker 4: k from that per year.
• 10:03
  Speaker 2: Oh my gosh, dogs are so expensive.
• 10:06
  Speaker 4: Better, we'll make between two hundred and three hundred for
• 10:09
  Speaker 4: the year.
• 10:10
  Speaker 2: I love this. That just built and built and built.
• 10:12
  Speaker 2: You went from telling me, yeah, we have an income
• 10:14
  Speaker 2: each of forty four thousand dollars and I'm like, oh,
• 10:16
  Speaker 2: that's pretty good. Like, you know, being on a farm,
• 10:18
  Speaker 2: it's always going to be a little bit lower. Usually
• 10:20
  Speaker 2: family run businesses. By the way, we bought a farm.
• 10:24
  Speaker 2: By the way, we make forty thousand dollars from cars.
• 10:26
  Speaker 2: By the way, we also have a photography and videography
• 10:28
  Speaker 2: business where we make like one hundred grand. Also, we
• 10:30
  Speaker 2: breed dogs. We do everything.
• 10:32
  Speaker 4: By the way, that farm income is quite low, but
• 10:35
  Speaker 4: we get a lot of bonuses with that, like because
• 10:37
  Speaker 4: we're doing so much off farm work as well, so
• 10:39
  Speaker 4: it's flexible and you know, we get a little bit
• 10:41
  Speaker 4: of fuel here and there on the farm.
• 10:43
  Speaker 2: Yeah, it all works out. You have the same job
• 10:45
  Speaker 2: as your partner. Did you meet your partner at work?
• 10:47
  Speaker 2: Is that how you fell in love? Tell me more
• 10:49
  Speaker 2: about it.
• 10:49
  Speaker 4: Oh, I run a mental health organization.
• 10:53
  Speaker 2: Because you weren't busy already, So yeah, that makes sense.
• 10:57
  Speaker 4: And through that actually running to him, So that's where
• 11:01
  Speaker 4: that all stemmed from. And then I started helping them
• 11:03
  Speaker 4: out with their marketing because I had a camera, and
• 11:06
  Speaker 4: then from there they offered me a.
• 11:08
  Speaker 2: Job and a husband, it seems, yes.
• 11:11
  Speaker 4: And I left my family farm to come over here,
• 11:13
  Speaker 4: which was a huge thing. But I wouldn't change it
• 11:16
  Speaker 4: for the world, because laugh is about happiness, isn't it.
• 11:18
  Speaker 2: Oh, one hundred percent, even though it was.
• 11:20
  Speaker 4: A big thing moving from my family farm, but I've
• 11:23
  Speaker 4: come to this family and he's absolutely amazing, and I
• 11:26
  Speaker 4: love working here.
• 11:27
  Speaker 2: Oh my gosh, I love this so much. This is
• 11:28
  Speaker 2: like one of my favorite stories ever. One because I
• 11:31
  Speaker 2: like dogs, but two I just love love like the
• 11:35
  Speaker 2: best I want to know. Now, you have obviously some
• 11:39
  Speaker 2: big money commitments and some great income coming in, but
• 11:43
  Speaker 2: what are your big money goals at the moment? What
• 11:45
  Speaker 2: are you currently working towards?
• 11:47
  Speaker 4: Yeah, so number one's that baby. So doing sorrogacy isn't cheap.
• 11:51
  Speaker 2: I was going to ask. I was like, I hope
• 11:52
  Speaker 2: this comes up in the money goals.
• 11:54
  Speaker 4: Yeah. Yeah, so that's our short term one. So we've
• 11:57
  Speaker 4: spent about twenty three thousand on that so far.
• 12:00
  Speaker 2: Can we break that down actually, because I feel like
• 12:04
  Speaker 2: in Australia I know a little bit about it because
• 12:06
  Speaker 2: I have a number of friends who have gone through
• 12:08
  Speaker 2: the surrogacy journey same as you, Like same sex couples,
• 12:11
  Speaker 2: like you just don't have an option to have a
• 12:13
  Speaker 2: genetically yours baby unless you use that route.
• 12:16
  Speaker 4: Right.
• 12:17
  Speaker 2: Twenty three thousand dollars though, is so much money, especially
• 12:20
  Speaker 2: given you're not allowed to pay your surrogate in Australia.
• 12:23
  Speaker 2: So where's that twenty three coming from? What's that made
• 12:27
  Speaker 2: up of?
• 12:27
  Speaker 4: Yeah, so that's a lot of like blood tests and
• 12:30
  Speaker 4: stuff at the start, and then my sister donated the eggs,
• 12:35
  Speaker 4: so that whole process is in that as well. That's
• 12:39
  Speaker 4: pretty much everything twenty three k up until embryo is frozen.
• 12:43
  Speaker 4: We've still got to pay for the surrogate for that
• 12:46
  Speaker 4: sort of side of things, so we've allowed about thirty
• 12:49
  Speaker 4: but I'm not actually sure if that's going to blow
• 12:51
  Speaker 4: over or not.
• 12:52
  Speaker 2: Well you never know, raight.
• 12:54
  Speaker 4: Yeah, it's so black and white, and you don't know
• 12:55
  Speaker 4: how many times you got to do it, and yeah,
• 12:57
  Speaker 4: there's so many what ifs. So we've got spare they're
• 13:00
  Speaker 4: ready just in case, because yeah, I love it, nothing
• 13:04
  Speaker 4: standing in the way. But from that, the next thing
• 13:06
  Speaker 4: is we're actually starting to build a house as well,
• 13:09
  Speaker 4: and this is on the farm and we want to
• 13:10
  Speaker 4: pay that off as much as possible. Yeah, and then
• 13:13
  Speaker 4: our huge money goal that we always dream of is
• 13:17
  Speaker 4: having our investment portfolio. But with that investment portfolio, help
• 13:21
  Speaker 4: people with it, so help friends and family in times
• 13:23
  Speaker 4: of need.
• 13:23
  Speaker 2: You're like the best human I've ever met.
• 13:26
  Speaker 4: I've got a couple of cousins that are going through
• 13:29
  Speaker 4: some IVF stuff at the moment, and I think one
• 13:31
  Speaker 4: of them's up to about nine or ten goes at it,
• 13:34
  Speaker 4: and it's just the financial burden on that on top
• 13:36
  Speaker 4: of distress. But I'd love to be able to help
• 13:39
  Speaker 4: people out with things like that. Yeah, so that's our
• 13:41
  Speaker 4: ultimate goal.
• 13:43
  Speaker 2: Oh my gosh, I love this. You have such clarity
• 13:45
  Speaker 2: on your goals, baby, build house, investment portfolio, but one
• 13:49
  Speaker 2: that helps others. Like who are you apart from the
• 13:52
  Speaker 2: best human ever? Like, oh, I'm so envious. I actually
• 13:56
  Speaker 2: have heaps of questions, But let's go to a really
• 13:57
  Speaker 2: quick break and we'll get to them on the flip side.
• 14:04
  Speaker 2: All right, money dires, we are back, and I am
• 14:07
  Speaker 2: so excited to I guess learn more about you, learn
• 14:10
  Speaker 2: more about your family and what you're doing. It's time
• 14:13
  Speaker 2: to talk about our investments. We left the other half
• 14:16
  Speaker 2: of the episode with you saying I want to create
• 14:18
  Speaker 2: the investment portfolio that helps other people, and we already
• 14:22
  Speaker 2: know from what you wrote in You said I have
• 14:24
  Speaker 2: investments in shares and farming. Talk to me about those investments.
• 14:29
  Speaker 2: How are they broken up? How did you get into them?
• 14:31
  Speaker 4: Yeah, so I've currently got about seventy thousand in shares.
• 14:37
  Speaker 4: We've pulled a lot of money out of that because
• 14:38
  Speaker 4: we're about to build a house and stuff, and we
• 14:41
  Speaker 4: pulled money out of it to buy the farm as well.
• 14:43
  Speaker 4: So that's that and how I got into buying shares
• 14:46
  Speaker 4: for the first time through my teenage years because of
• 14:48
  Speaker 4: the drought, and ever think any birthday money or I
• 14:51
  Speaker 4: did some wool classing or whatever, I would save all
• 14:53
  Speaker 4: that money. And I turned eighteen I had ten grand,
• 14:56
  Speaker 4: which is huge.
• 14:57
  Speaker 2: That heaps of money, especially for such a young age.
• 15:00
  Speaker 4: It was amazing. I didn't spend a thing though, and
• 15:03
  Speaker 4: I went down and caught up with one of my
• 15:05
  Speaker 4: friends that's a financial advisor. He's offered me a free
• 15:08
  Speaker 4: little chat and teaching me about the stock market. Oh,
• 15:10
  Speaker 4: I love that, And that's where it started from. And
• 15:14
  Speaker 4: then from there we've got two farms as well. So
• 15:19
  Speaker 4: now we've managed to buy a couple. On the first one,
• 15:22
  Speaker 4: there's no debt on that at the moment, and on
• 15:25
  Speaker 4: the second farm, we've got about five hundred and fifty
• 15:27
  Speaker 4: k worth of debt. Do you want to know how
• 15:29
  Speaker 4: much they're worth?
• 15:30
  Speaker 2: Of course I do. I'm pervy. Technically you're anonymous to
• 15:34
  Speaker 2: everybody else. I'm going to ask the questions that I
• 15:36
  Speaker 2: was totally inappropriate to ask somebody that you're sitting next
• 15:39
  Speaker 2: to on a bus, like, yeah, how much debt have
• 15:42
  Speaker 2: you got? Babe.
• 15:44
  Speaker 4: Yeah, so on the one of the farms, it's one
• 15:46
  Speaker 4: point thirty nine meal and the other one's one point
• 15:49
  Speaker 4: two to four.
• 15:49
  Speaker 2: So slay. I need to stop saying slave, but I'm
• 15:53
  Speaker 2: not going to it's unrelatable.
• 15:55
  Speaker 4: But it's been a lot of hard work and time
• 15:58
  Speaker 4: like on top of that for it to grow in value.
• 16:00
  Speaker 4: So it's not just capital we've put in. It's just
• 16:03
  Speaker 4: growing over time.
• 16:04
  Speaker 2: Of course. So tell me how old you are now?
• 16:06
  Speaker 2: Because you had your first ten thousand dollars and you
• 16:09
  Speaker 2: started investing at eighteen. Where are we now?
• 16:11
  Speaker 4: I just turn thirty.
• 16:13
  Speaker 2: No you didn't. You've done all of that and you've
• 16:15
  Speaker 2: just turned thirty in a bin, straight in the bin.
• 16:18
  Speaker 2: Unrelatable content, Yeah, exactly, I said unrelatable in a nice
• 16:22
  Speaker 2: way though, Like how cool is this? Like I love
• 16:25
  Speaker 2: this story. I love that you're a farmer and you
• 16:28
  Speaker 2: know you've written in and said, hey, I'm a farmer,
• 16:30
  Speaker 2: have investments in shares and farming. Also, I'm in a
• 16:32
  Speaker 2: same sex relationship and I'm going through this surrega see journey.
• 16:35
  Speaker 2: I just don't think a lot of people would have
• 16:37
  Speaker 2: expected that. Like, it's not a twist, it's not a turn,
• 16:40
  Speaker 2: it's like your journey. But it's more I think we
• 16:43
  Speaker 2: have this preconceived idea of what farming looks like and
• 16:46
  Speaker 2: you've obviously thrown that on its head and you're like, oh, well,
• 16:49
  Speaker 2: by the way, I also, you know, have calves, and
• 16:52
  Speaker 2: I also have dogs, and I've found all of these
• 16:54
  Speaker 2: additional revenue streams to add to my life so that
• 16:58
  Speaker 2: I can create the LIFEI deserve because there are a
• 17:00
  Speaker 2: lot of farmers having come from I grew up in
• 17:03
  Speaker 2: Tasmania and my family owned farm. So my grandparents always
• 17:06
  Speaker 2: had a border Collie, which is why I was like, ah,
• 17:08
  Speaker 2: I love this. They're always really inspirational names, like a
• 17:12
  Speaker 2: Bob the dog. I feel like that's very farm But
• 17:17
  Speaker 2: growing up there, you kind of just have this preconceived
• 17:20
  Speaker 2: idea that yep, you earn forty four thousand dollars if
• 17:23
  Speaker 2: you live on a family fump. That's it, though, Like
• 17:25
  Speaker 2: that's all you do. You know, you might be given
• 17:27
  Speaker 2: a paddock and you could do your own sheep or something,
• 17:29
  Speaker 2: and that's like a couple of thousand dollars extra year,
• 17:32
  Speaker 2: but it's definitely not like forty thousand dollars from calves
• 17:35
  Speaker 2: or you know, picking up another photography and videography business.
• 17:39
  Speaker 2: You grew up in farming, So how did you get this?
• 17:42
  Speaker 2: I guess work life balance, but also this, I guess
• 17:47
  Speaker 2: motivation to do all of these additional things. Is this
• 17:50
  Speaker 2: what your parents did? Like where does this come from?
• 17:52
  Speaker 2: My friend?
• 17:53
  Speaker 4: No, definitely not, Like especially my dad and my grandparents.
• 17:56
  Speaker 4: They're like, you know, you work on the farm, you
• 17:57
  Speaker 4: don't have time for anything else, Like it's big hours.
• 18:00
  Speaker 4: But because of the drought and everything, I really wanted
• 18:03
  Speaker 4: to be able to sort of help the farm if
• 18:05
  Speaker 4: things got bad again. And that's sort of where my
• 18:08
  Speaker 4: savings sort of come into play, because if I could
• 18:11
  Speaker 4: build us some off farm income, I might be able
• 18:14
  Speaker 4: to bail the farm out if we got into some
• 18:16
  Speaker 4: real issues. And I was really scared that would lose
• 18:18
  Speaker 4: our farm, like especially our own farm, because that's you know,
• 18:20
  Speaker 4: where I grew up, my parents grew up, my grandpa
• 18:23
  Speaker 4: grew up. So it's a big thing for our family.
• 18:25
  Speaker 4: And if I can financially back that if I ever
• 18:27
  Speaker 4: had to, that sort of was always my goal. So
• 18:30
  Speaker 4: that's why. Yeah, it's always in the back of my
• 18:33
  Speaker 4: mind to make money elsewhere, and it's really important to
• 18:37
  Speaker 4: have that work life balance, and it is really tricky
• 18:40
  Speaker 4: not to get burnt out. And that is something that
• 18:42
  Speaker 4: I've really really focused on because I used to get
• 18:45
  Speaker 4: burnt out a lot and it wasn't until meeting my
• 18:48
  Speaker 4: husband now that he sat me down one day and
• 18:50
  Speaker 4: he goes, you need to just stop and you need
• 18:53
  Speaker 4: to make sure you look after yourself, because you can't
• 18:55
  Speaker 4: get burned out every week because you work really hard
• 18:57
  Speaker 4: and you get a lot done, but then you're out
• 18:59
  Speaker 4: for like fourd hour is because you're bedridden or in
• 19:02
  Speaker 4: hospital or whatever it may be. So it's in a
• 19:04
  Speaker 4: learning curve.
• 19:05
  Speaker 2: But yeah, so, yeah, he sounds like a good egg.
• 19:08
  Speaker 2: I think I like him. I think we can keep him.
• 19:10
  Speaker 4: Yeah, I found my Steve.
• 19:12
  Speaker 2: Yeah, you found justice. Does he make your tea and
• 19:15
  Speaker 2: toast on the weekends?
• 19:16
  Speaker 4: He does? Yeah?
• 19:16
  Speaker 2: Oh yeah? All right, well you definitely have found your Steve.
• 19:19
  Speaker 2: That's amazing. I love it. All right, tell me a
• 19:22
  Speaker 2: little bit more, I guess about debt. So you mentioned
• 19:25
  Speaker 2: before that you have five point fifty in debt on
• 19:28
  Speaker 2: one of your farms, and obviously that's valued at a
• 19:30
  Speaker 2: lot more. Is there any other debt sitting around that
• 19:33
  Speaker 2: you haven't shared, like, do you have any hex step
• 19:35
  Speaker 2: from studying anything or you know anything else sitting there
• 19:38
  Speaker 2: that I am unaware of at this point.
• 19:40
  Speaker 4: No, it's just that debt. But with the house build,
• 19:43
  Speaker 4: that debt will blow up a little bit to about
• 19:45
  Speaker 4: a meal.
• 19:46
  Speaker 2: Houses are expensive, they are.
• 19:47
  Speaker 4: And they've really gone up in the last sort of
• 19:50
  Speaker 4: twelve months with everything going on as well. So what
• 19:53
  Speaker 4: we initially got a quote on has blown out even more.
• 19:55
  Speaker 4: So we've got some cash they're ready to go in that.
• 19:58
  Speaker 2: And is this how obviously a million dollars is a
• 20:01
  Speaker 2: lot of money. Is this kind of like your family
• 20:04
  Speaker 2: home forever? Or is this like a house that you're like,
• 20:07
  Speaker 2: all right, we'll build this on the farm and maybe
• 20:08
  Speaker 2: we won't live here forever or what does that actually
• 20:10
  Speaker 2: look like? What's the future of I guess in a
• 20:14
  Speaker 2: way asking about your career as well as your home.
• 20:17
  Speaker 4: So, yeah, we are building it on the farm, so
• 20:20
  Speaker 4: you can't really just sell a house on a farm,
• 20:23
  Speaker 4: So it's there forever kind of thing. So that's why
• 20:26
  Speaker 4: we're sort of spending the money.
• 20:27
  Speaker 1: Now.
• 20:27
  Speaker 4: We've done all the hard yards to get to this point,
• 20:29
  Speaker 4: and we've you know, ticked all the boxes We've budgeted
• 20:32
  Speaker 4: forever to get to this point now, and our stars
• 20:34
  Speaker 4: are a line to have this baby, and we want to
• 20:37
  Speaker 4: have a nice house to bring a baby home to.
• 20:39
  Speaker 4: So we've worked really hard to get to this point,
• 20:41
  Speaker 4: and yeah, it's out forever home. So we're making sure
• 20:43
  Speaker 4: we spend the money where it's needed and make sure
• 20:45
  Speaker 4: it's good.
• 20:46
  Speaker 2: Yeah, that's why I was asking, because I was like,
• 20:48
  Speaker 2: if you're building a home on the family farm, you
• 20:49
  Speaker 2: can't exactly sell that. Who else lives on the family farm?
• 20:54
  Speaker 2: Obviously there's probably another house that you're currently living in,
• 20:56
  Speaker 2: but who else lives there? What does that look like
• 20:58
  Speaker 2: long term?
• 20:59
  Speaker 4: So the house that we're living in now is just
• 21:01
  Speaker 4: like a little cottage on the farm, me and my husband,
• 21:04
  Speaker 4: and then there is a couple of other houses on
• 21:06
  Speaker 4: the farm as well, Like his parents live in the
• 21:08
  Speaker 4: main farmhouse and then one of the sisters is in
• 21:10
  Speaker 4: the other one. But there's six kids in his family, so.
• 21:14
  Speaker 2: Oh I love that.
• 21:15
  Speaker 4: Yeah, it's such a beautiful family. But they like live
• 21:18
  Speaker 4: in the local town and around, so everyone's like still here,
• 21:22
  Speaker 4: so yeah, it's pretty cool. But yeah, so we're just
• 21:25
  Speaker 4: in that little cottage at the moment, which is really
• 21:27
  Speaker 4: lucky to live there because we don't have to pay
• 21:28
  Speaker 4: rent or anything.
• 21:29
  Speaker 2: Yeah that's a money win.
• 21:30
  Speaker 4: Yeah, it is a money win. But we just have
• 21:32
  Speaker 4: to pay the electricity bill and that's it.
• 21:34
  Speaker 2: How often do you get to do family dinners because
• 21:36
  Speaker 2: I feel like that's a big farm thing. Obviously they
• 21:39
  Speaker 2: happen in the main farmhouse. So how often is that happening.
• 21:42
  Speaker 4: Or I'd say at least once a week we'll have
• 21:45
  Speaker 4: a little catch up here. But even like lunchtime's here,
• 21:49
  Speaker 4: it's such a buzz because with six kids, you could
• 21:51
  Speaker 4: imagine how many grandkids and that are here as well.
• 21:53
  Speaker 4: So that's the best.
• 21:54
  Speaker 2: And they're going to get another one soon.
• 21:55
  Speaker 4: Yeah, So they're always here helping us on the farm.
• 21:58
  Speaker 4: And on the days that they don't have childcare or
• 22:01
  Speaker 4: at kindy or whatever, they're all out here. So lunchtime
• 22:04
  Speaker 4: is definitely a buzz around here, and it's amazing.
• 22:06
  Speaker 2: I love it. I have so many questions, but I
• 22:08
  Speaker 2: actually want to ask about childcare. You said earlier that
• 22:10
  Speaker 2: you and your partner essentially work and earn the same
• 22:13
  Speaker 2: amount of income because you both work on the family farm.
• 22:16
  Speaker 2: What is the plan when you have a newborn. How
• 22:18
  Speaker 2: are we looking after this newborn when it comes to
• 22:21
  Speaker 2: care and distribution of care because a farm, like I
• 22:25
  Speaker 2: don't know if you know this, but they don't stop.
• 22:27
  Speaker 2: So what's the plan?
• 22:28
  Speaker 4: Yeah, well, this has actually been a lot of discussion
• 22:31
  Speaker 4: lately and a lot to think about. There is a
• 22:34
  Speaker 4: childcare in town which is ten minutes away. Oh easy,
• 22:38
  Speaker 4: Yeah it is, but it's really hard to get into
• 22:40
  Speaker 4: because it's a really small town and there's only certain
• 22:43
  Speaker 4: amount of kids and that that they can handle. So
• 22:46
  Speaker 4: as soon as we know that we're pregnant, we have
• 22:48
  Speaker 4: to put our name on the list apparently, so that's.
• 22:50
  Speaker 2: What I did. It's actually terrifying. They were like, do
• 22:52
  Speaker 2: you know what you're having? And I was like, no,
• 22:54
  Speaker 2: let's call it baby Divine. Can byby Divine be on
• 22:56
  Speaker 2: the list for August next year and they were like, yeah,
• 22:58
  Speaker 2: no worries, it's crazy.
• 23:00
  Speaker 4: It is. It is, so yeah, we'll do that and
• 23:02
  Speaker 4: whatever days we get, we'll get. Besides that, on the
• 23:05
  Speaker 4: farm here, we're lucky that we have his parents. They're
• 23:08
  Speaker 4: happy to help out and sometimes like if I'm doing
• 23:12
  Speaker 4: the financials, like the budgets and like all that sort
• 23:14
  Speaker 4: of stuff, I can sort of hopefully look after a
• 23:16
  Speaker 4: baby and do that at the same time in the house.
• 23:18
  Speaker 4: I don't know.
• 23:19
  Speaker 2: I think I'm going to be able to do it
• 23:20
  Speaker 2: at the same time. Every other parent right now is
• 23:23
  Speaker 2: rolling their eyes at us, just like we don't have
• 23:25
  Speaker 2: kids yet. But we'll see how it goes, you know,
• 23:27
  Speaker 2: yollow the way, it's going to work out.
• 23:30
  Speaker 4: Right, It's going to work out, surely.
• 23:33
  Speaker 2: I love it all right. I want to know next.
• 23:34
  Speaker 2: I feel like you have some very good money habits
• 23:37
  Speaker 2: to share with us. So what do you think is
• 23:39
  Speaker 2: your best money habit?
• 23:40
  Speaker 4: Probably our best is living below our means and like
• 23:44
  Speaker 4: we've never really been big spenders or anything like that,
• 23:47
  Speaker 4: but yeah, just keeping ourselves in check with all that.
• 23:50
  Speaker 4: And with that, I think communication is a really important
• 23:54
  Speaker 4: thing in our relationship. And we're very clear in our
• 23:57
  Speaker 4: goals and we talk about money all the time, Like
• 24:00
  Speaker 4: we have a bath, we talk about money. It's weird,
• 24:02
  Speaker 4: I don't know, but it just works.
• 24:03
  Speaker 2: It sounds like my house. It's so fine, Like I
• 24:06
  Speaker 2: totally get that. Okay, So I just did this cool
• 24:09
  Speaker 2: thing with our budget and was like, oh, do you
• 24:12
  Speaker 2: want to talk about a dinner? And I'll be like yeah,
• 24:14
  Speaker 2: and he'll be like, that wasn't me asking if you
• 24:16
  Speaker 2: want to talk about it at dinner. I was asking
• 24:17
  Speaker 2: if that was your plan make haha, yes, sit down.
• 24:21
  Speaker 4: So I think communication is one of our good traits.
• 24:24
  Speaker 2: I love that flip it though, what's your worst or
• 24:28
  Speaker 2: our worst?
• 24:28
  Speaker 4: Is probably the bakery. I always end up at the bakery.
• 24:32
  Speaker 2: What are we buying at the bakery?
• 24:34
  Speaker 4: Like a little veggie pie that's so amazing or a
• 24:36
  Speaker 4: spinoche sausage roll.
• 24:38
  Speaker 2: I agree.
• 24:38
  Speaker 4: Yeah. So, like we're always doing filming jobs and stuff,
• 24:40
  Speaker 4: so we're on the road a lot, going to other farms,
• 24:42
  Speaker 4: and we happen to drive past it all the time.
• 24:45
  Speaker 4: So just pop in and.
• 24:46
  Speaker 2: Oh, no, look there's the bakery again.
• 24:48
  Speaker 4: I didn't know if you know this, but as a
• 24:50
  Speaker 4: country kid, if you drive past the kfcne don't stop
• 24:52
  Speaker 4: in for some salty chips. It's illegal. So I think
• 24:55
  Speaker 4: food's probably are downfall, but it's in our budget. We
• 24:59
  Speaker 4: make sure we commod eate for it, and it's not
• 25:01
  Speaker 4: stressful at all. But it's just one of those things
• 25:03
  Speaker 4: that we could cut back if we could.
• 25:05
  Speaker 2: But I think we all deserve a little treaty, treat
• 25:07
  Speaker 2: and Also, we laid down the law before. It's actually
• 25:10
  Speaker 2: illegal not to stop, so I'm not going to jail.
• 25:14
  Speaker 2: You're like, you're going to have a baby sooner. I'm
• 25:16
  Speaker 2: going to have a baby soon. Like we can't be
• 25:17
  Speaker 2: living that convic life, Like it's just not going to work.
• 25:21
  Speaker 2: So I love it. Oh my gosh. The next question
• 25:23
  Speaker 2: I always ask money Dice, now that we've talked, like,
• 25:26
  Speaker 2: do you think that your money grade at the start
• 25:30
  Speaker 2: of this episode is reflective? I already know the answer,
• 25:32
  Speaker 2: but I'm going to ask, anyway, do you think it's reflective?
• 25:35
  Speaker 2: But also what do you think it would take to
• 25:37
  Speaker 2: get from an A to an A plus?
• 25:39
  Speaker 4: I think it is, And like I said before, like
• 25:41
  Speaker 4: all their education and stuff, it's not easy getting to
• 25:45
  Speaker 4: that point, and it's been a long journey to get there,
• 25:48
  Speaker 4: and like no one should compare themselves to each other
• 25:51
  Speaker 4: and that type of thing. I'm happy with that, But
• 25:54
  Speaker 4: to get to an eight plus probably have all those
• 25:56
  Speaker 4: goals ticked off and we can be helping people much
• 26:00
  Speaker 4: as possible, And I think once we get to that
• 26:02
  Speaker 4: we can put that plus sign on there.
• 26:04
  Speaker 2: I love that. I feel like that is obviously written
• 26:06
  Speaker 2: in the stars, though like it's not just written in
• 26:08
  Speaker 2: the stars, it's written in your financial plan, like you're
• 26:10
  Speaker 2: going to get there. Like you were so clear on
• 26:13
  Speaker 2: your I guess money goals and what you were working towards.
• 26:16
  Speaker 2: When I asked, you were like, oh, yep, there's actually
• 26:17
  Speaker 2: three clear ones. And I was like okay, Slagh, Like
• 26:19
  Speaker 2: I love this. I'm so excited. Sadly, that's all we've
• 26:22
  Speaker 2: got time for today, but like I have adored this
• 26:24
  Speaker 2: chat learning a little bit more about you about your journey.
• 26:27
  Speaker 2: Thank you so much for being so open about it,
• 26:30
  Speaker 2: not just about your income, but just what that surrogacy
• 26:33
  Speaker 2: journey looks like in costs. And it can be so
• 26:36
  Speaker 2: hard in Australia because obviously it's not paid, so you
• 26:39
  Speaker 2: do have to find someone who is arguably incredibly generous
• 26:44
  Speaker 2: and charitable, who is willing to give something like that up.
• 26:47
  Speaker 2: Like it's crazy to think in twenty twenty three, like
• 26:51
  Speaker 2: we can't find quote easier way to do it. But
• 26:54
  Speaker 2: like I adore that a same sex couple can have
• 26:56
  Speaker 2: a genetically related baby with some body who's already in
• 27:01
  Speaker 2: their family, Like oh, it just makes my heart so happy.
• 27:03
  Speaker 4: Yeah, oh it's amazing. It's just with hearing you say
• 27:06
  Speaker 4: all that, because it's just incredible and I can't believe
• 27:09
  Speaker 4: it's actually happening.
• 27:10
  Speaker 2: Please message me like I want to be updated. I've
• 27:12
  Speaker 2: nominated myself as Baby Updates, but that is so exciting.
• 27:16
  Speaker 2: Thank you so much, money Dires. This has been an
• 27:18
  Speaker 2: absolute pleasure.
• 27:19
  Speaker 4: Thanks for having me, Victoria.
• 27:27
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• 27:29
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• 27:33
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• 27:37
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