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MONEY DIARIES: The Life and Finances of an Undercover Cop · She's On The Money

• 0:00
  Speaker 1: Just before we get started, we'd like to acknowledge and
• 0:03
  Speaker 1: pay respect to Australia's Aboriginal and torrest Right Islander peoples.
• 0:07
  Speaker 1: They're the traditional custodians of the lands, the waterways and
• 0:10
  Speaker 1: the skies all across Australia. We thank you for sharing
• 0:14
  Speaker 1: and for caring for the land on which we are
• 0:16
  Speaker 1: able to learn. We pay respects to elders past and present,
• 0:19
  Speaker 1: and we share our friendship and our kindness.
• 0:22
  Speaker 2: She's on the Money, She's on the Money.
• 0:45
  Speaker 3: Hello, and welcome to She's on the Money, the podcast
• 0:48
  Speaker 3: Millennials who Want Financial Freedom. Welcome back to another one
• 0:52
  Speaker 3: of our shop back Money Diary mondays, where we get
• 0:54
  Speaker 3: to chat to a community member to learn about them,
• 0:56
  Speaker 3: their money, their life, all the fun bits in between. Victoria, Hey,
• 1:00
  Speaker 3: you going.
• 1:01
  Speaker 1: I'm very excited about this one.
• 1:03
  Speaker 3: It's a good one.
• 1:04
  Speaker 1: You keep saying that you and Analie keeping.
• 1:06
  Speaker 3: A very very good one.
• 1:08
  Speaker 1: Okay, Well you say that at the beginning of every
• 1:10
  Speaker 1: single money diary. I'm beginning to not like, there's no
• 1:14
  Speaker 1: reason to not trust you, but I'm starting to.
• 1:16
  Speaker 3: Go you're starting to not trust me though, No, not a.
• 1:19
  Speaker 1: Lack of trust. I'd just be like, Oh, she really
• 1:21
  Speaker 1: thinks everything is great.
• 1:22
  Speaker 3: Easy to please. No, this one's a little bit like
• 1:24
  Speaker 3: a movie. Let me tell you all about it like
• 1:25
  Speaker 3: a movie. Yeah, so, Adira said. After working as a
• 1:29
  Speaker 3: covert operative or undercover police officer, I was burnt out
• 1:33
  Speaker 3: and I took seven months leave without pay. While I
• 1:35
  Speaker 3: was working, I started my own business, creating a yearly
• 1:38
  Speaker 3: planner for women, focusing on goal setting, budgeting, and never
• 1:41
  Speaker 3: ever forgetting how brilliant and capable you truly are.
• 1:43
  Speaker 1: What a career pivot? Who just goes ohs? And under
• 1:46
  Speaker 1: cover cop? Now I want to make planners.
• 1:48
  Speaker 3: I know right. For my seven months off, I bought
• 1:50
  Speaker 3: a van and traveled around Australia whilst running my business
• 1:53
  Speaker 3: and since returning to work. I sold my business last
• 1:55
  Speaker 3: year for a profit. I have now started a new
• 1:57
  Speaker 3: business which is teaching women how to find a balance
• 1:59
  Speaker 3: and access in all areas of their life. I am
• 2:02
  Speaker 3: about to take long service leave six months and I
• 2:04
  Speaker 3: hope that I can properly follow my passion and not
• 2:06
  Speaker 3: have to return to work. It's been a tough few
• 2:08
  Speaker 3: years as a police officer.
• 2:10
  Speaker 1: What money diarist, Welcome to the show.
• 2:14
  Speaker 4: Thank you.
• 2:15
  Speaker 1: I told you I told you. I told you before
• 2:17
  Speaker 1: we started actually recording. You got on zoom and I
• 2:21
  Speaker 1: was like, you look like you'd be heaps of fun.
• 2:23
  Speaker 4: And you are, Oh, thank you.
• 2:25
  Speaker 1: How does that work? Oh my gosh, money dives. I
• 2:28
  Speaker 1: have so many questions, but Jess is going to kill
• 2:30
  Speaker 1: me if I don't leave them to the appropriate time
• 2:32
  Speaker 1: to ask them. So let's jump straight in money diarist.
• 2:35
  Speaker 1: I want to know a little bit about your money story.
• 2:38
  Speaker 4: Yeah, well, I think that sort of like that background
• 2:42
  Speaker 4: gives a really good indicator about, you know, where my
• 2:46
  Speaker 4: passions lie. Money sort of only really became a focus
• 2:49
  Speaker 4: for me once I joined the police. Before that, I
• 2:53
  Speaker 4: really was a bit of a gypsy. I pretty much
• 2:55
  Speaker 4: spent all my money on travel, and then once I
• 2:58
  Speaker 4: sort of got my confirmation and join the police service,
• 3:02
  Speaker 4: it really just became about, Okay, what am I going
• 3:04
  Speaker 4: to do from here? Do I buy a house? Essentially,
• 3:07
  Speaker 4: I was like, I better calm down and you know,
• 3:10
  Speaker 4: start making some adult decisions.
• 3:13
  Speaker 1: You're a cop now, Yeah, I feel like adult decisions
• 3:15
  Speaker 1: are what cops should be making. I just feel like
• 3:18
  Speaker 1: that's a lot of responsibility. But at the end of
• 3:21
  Speaker 1: the day, you are people with careers. Who have incomes
• 3:23
  Speaker 1: who need to budget and cash flow as well. I'm shurek.
• 3:27
  Speaker 1: I'm so excited to learn more. All right, So we
• 3:29
  Speaker 1: know that you were what was it, an undercover operative?
• 3:33
  Speaker 1: Is that right?
• 3:34
  Speaker 4: Yeah? So that's just been a small chunk or small
• 3:37
  Speaker 4: portion of my experience within the police service. So I'm
• 3:41
  Speaker 4: just back in general duties now, just doing the regular So.
• 3:44
  Speaker 1: You're still a cop, and then you also have a
• 3:46
  Speaker 1: business on the side, Yes, I do, right, that makes sense.
• 3:51
  Speaker 4: I like to keep myself busy.
• 3:53
  Speaker 1: Oh my gosh. All right, so that leads into the
• 3:55
  Speaker 1: question of what do you do for work officially and
• 3:58
  Speaker 1: how much money do you earn?
• 4:00
  Speaker 4: So, yeah, police officer, full time, I earn My last
• 4:04
  Speaker 4: year's taxil income was one hundred and two, so just
• 4:07
  Speaker 4: over one hundred and everything relating to my business now,
• 4:11
  Speaker 4: I don't pay myself a wage at the moment. It
• 4:13
  Speaker 4: is relatively new, so it's kind of all just going
• 4:15
  Speaker 4: back into keeping that going and growing it to the
• 4:18
  Speaker 4: point where I would love to be able to pay
• 4:20
  Speaker 4: myself and make it my full time thing.
• 4:22
  Speaker 1: That is genuinely so cool. It's interesting as well because
• 4:27
  Speaker 1: I have a friend who is also a cop with
• 4:30
  Speaker 1: a side business. They do lots of night shift, they
• 4:33
  Speaker 1: do a whole heap of work, and then they come
• 4:35
  Speaker 1: home and they run this business. And to be honest,
• 4:37
  Speaker 1: I hadn't really thought about that type of career as
• 4:40
  Speaker 1: the type of career that would enable you to have
• 4:42
  Speaker 1: a side hustle or a side business. How open is
• 4:45
  Speaker 1: the police force to you, you know, running a business
• 4:47
  Speaker 1: in your own time.
• 4:48
  Speaker 4: I think it's as long as it's not a conflict
• 4:50
  Speaker 4: of interest and it's not bringing them into you know, disrepute.
• 4:53
  Speaker 4: It's nothing that could be frowned upon. So I guess
• 4:56
  Speaker 4: like only fans is ruled out to say that.
• 4:59
  Speaker 1: But I was like, is this appropriate? No only fans
• 5:01
  Speaker 1: for you? No killer content? Right?
• 5:05
  Speaker 4: I'm sure. I listened to one of your episodes where
• 5:07
  Speaker 4: you spoke to someone.
• 5:08
  Speaker 1: Who makes BANGK on only fan Yes.
• 5:11
  Speaker 4: And I was like, so tempting. No. I love what
• 5:13
  Speaker 4: I do, so at the moment that's my biggest focus.
• 5:16
  Speaker 1: Yeah, airpic all right. I want to know what is
• 5:19
  Speaker 1: your big money goal.
• 5:21
  Speaker 4: I want to have my home loan, my mortgage paid
• 5:24
  Speaker 4: off in the next five years.
• 5:25
  Speaker 1: Oh that is a lofty goal. How are we tracking?
• 5:28
  Speaker 4: I'm halfway?
• 5:29
  Speaker 1: Who so Yeah.
• 5:31
  Speaker 4: So I bought my apartment in twenty sixteen and have
• 5:35
  Speaker 4: just gone absolutely ham. I bought it for four point
• 5:37
  Speaker 4: fifty and I've paid just over two twenty five. Wow.
• 5:40
  Speaker 1: Congratulations, that's epic. Thank you, that is so epic. Al right,
• 5:45
  Speaker 1: next question, do you have any investments? If so, what
• 5:49
  Speaker 1: are they?
• 5:50
  Speaker 4: I do, so that unit has technically become an investment
• 5:53
  Speaker 4: for me. I'm currently renting it out and I also
• 5:56
  Speaker 4: started my investment journey with six Park last year.
• 6:00
  Speaker 1: Oh my gosh, are you doing like straight six Park?
• 6:03
  Speaker 1: Or do she's on the money? Six Park?
• 6:04
  Speaker 4: She's on the money.
• 6:06
  Speaker 1: Yes, Queen so esthetic.
• 6:07
  Speaker 3: We'll see you at our investor update this week.
• 6:09
  Speaker 1: Yeah, when are you coming to the investor update?
• 6:11
  Speaker 4: I got the email, but I haven't registered or anything yet.
• 6:14
  Speaker 4: I need to get onto Chop Chop.
• 6:15
  Speaker 1: I'm running investor updates. We need to be there. We
• 6:18
  Speaker 1: are educated investors. I love that. That's so exciting. All right,
• 6:22
  Speaker 1: now to flip it. You did say you still have
• 6:24
  Speaker 1: some of your mortgage, so we know you have some debt.
• 6:26
  Speaker 1: But do you have debt? If so, how much that's it?
• 6:29
  Speaker 4: So? I've recently paid off my car. The rest of
• 6:33
  Speaker 4: my car loan, but that was using offset from my
• 6:35
  Speaker 4: home loan, so that sort of bumped back up a
• 6:38
  Speaker 4: little bit. But that technically makes my mortgage my only debt.
• 6:41
  Speaker 1: Yeah, very cool, very cool. Next question is, my friend,
• 6:46
  Speaker 1: do you use shop back?
• 6:48
  Speaker 4: I don't. I don't, and purely because I don't really shop.
• 6:53
  Speaker 4: I'm such off your mortgage.
• 6:56
  Speaker 1: Yeah, Like, if you're paying that much off your mortgage,
• 6:59
  Speaker 1: you don't have money to spend on shopping. I'm telling
• 7:02
  Speaker 1: you that right now. To be that aggressive, which is
• 7:04
  Speaker 1: very impressive, doesn't leave a lot of wigger room in
• 7:07
  Speaker 1: the budget, does it.
• 7:08
  Speaker 4: Yeah. Yeah, I don't really online shop, and if I
• 7:11
  Speaker 4: do ever treat myself, it's always with some sort of
• 7:14
  Speaker 4: discount code that I've found somewhere. You know it get
• 7:17
  Speaker 4: with me twenty or thirty percent off anyway. So it's
• 7:19
  Speaker 4: very rare that I have a paid full price for something.
• 7:22
  Speaker 1: That's a really good money habit. And that leads into
• 7:25
  Speaker 1: our next question, which is what's your best money habit.
• 7:29
  Speaker 4: I would say it's my budgeting and everything sort of
• 7:31
  Speaker 4: associated with that. I'm always constantly checking in making sure
• 7:36
  Speaker 4: that I'm sort of living within my means and I
• 7:38
  Speaker 4: have that extra money to put away for emergencies and
• 7:41
  Speaker 4: my savings and you know, moving forward with my money.
• 7:45
  Speaker 4: I think my biggest, I guess goal is to really
• 7:49
  Speaker 4: be financially free and financially independent and not have to
• 7:53
  Speaker 4: sort of rely on a job so I can follow
• 7:55
  Speaker 4: my passions. So that has been like a real driver
• 7:58
  Speaker 4: for me.
• 7:59
  Speaker 1: I love that. That's actually is so exciting. And it
• 8:01
  Speaker 1: always feel really bad bringing up the next question because
• 8:03
  Speaker 1: I feel like I'm taking the whole conversation down a notch.
• 8:05
  Speaker 3: But it's part of.
• 8:06
  Speaker 1: The show, you know, We've just got to do what
• 8:07
  Speaker 1: we've got to do. The next question is what's your
• 8:10
  Speaker 1: worst money have it in comparison?
• 8:12
  Speaker 4: I found this one hard, but I think if you
• 8:15
  Speaker 4: were to ask anyone that knows me, though, maybe say
• 8:18
  Speaker 4: it's that I'm a tied us.
• 8:20
  Speaker 1: Now that's a good money have it. We stand tied
• 8:22
  Speaker 1: us is in this community.
• 8:24
  Speaker 4: Yeah. I just always look at everything and go is
• 8:26
  Speaker 4: that value for money? And is my money best spent here?
• 8:29
  Speaker 4: So I guess I question everything before I spend money
• 8:32
  Speaker 4: on it, which can be annoying for the people around
• 8:34
  Speaker 4: me perhaps, but it's also the reason why I've been
• 8:37
  Speaker 4: as good with my money as I am.
• 8:40
  Speaker 1: Yeah, I feel like it's about balance too. Like if
• 8:42
  Speaker 1: you're like asking the question of is this value for money,
• 8:46
  Speaker 1: that to me is quite different too. I just don't
• 8:49
  Speaker 1: want to spend money, Like I think that that's a
• 8:52
  Speaker 1: very different mindset, and arguably your mindset is much healthier
• 8:55
  Speaker 1: than I just don't want to spend and that can
• 8:57
  Speaker 1: be really negative and that can impact lots of things.
• 9:00
  Speaker 4: Yeah, I do definitely still splurge, Like, I don't feel
• 9:03
  Speaker 4: like I've missed out in the last six years that
• 9:06
  Speaker 4: I've owned my house. I've still traveled, I still have
• 9:09
  Speaker 4: weekends away.
• 9:10
  Speaker 1: You know.
• 9:10
  Speaker 4: If there's something that I want, I still make sure
• 9:13
  Speaker 4: I can get it. But I'm just really conscious about
• 9:16
  Speaker 4: how I go about that.
• 9:17
  Speaker 1: You're going to need to teach us your ways, because
• 9:20
  Speaker 1: I assumed that meant that you had forgone everything, and
• 9:23
  Speaker 1: now you're telling me that you still have a killer
• 9:24
  Speaker 1: life and you've fad off that much of your mortgage.
• 9:27
  Speaker 1: Kind of rude if you're asking.
• 9:28
  Speaker 4: Me, I wouldn't go that far. I feel like I've
• 9:32
  Speaker 4: learnt so much from you guys that it's just like
• 9:34
  Speaker 4: I'm the result of listening to the podcast, and we
• 9:37
  Speaker 4: will take on this. We will take it.
• 9:39
  Speaker 1: Jess and I are smiling ear to ear. We will
• 9:41
  Speaker 1: take that and run with it. So last question before
• 9:44
  Speaker 1: we get to deep dive into asking you some really
• 9:46
  Speaker 1: fun questions is what grade would you give your money
• 9:50
  Speaker 1: habits if we forced you to give yourself a grade.
• 9:52
  Speaker 4: I love this question because every time I listen to it,
• 9:55
  Speaker 4: I feel like the women that are answering are always
• 9:58
  Speaker 4: really hard on themselves. I know I'm going to say
• 10:01
  Speaker 4: an aus, and that's purely because I think I would
• 10:06
  Speaker 4: really love to be more confident when it comes to
• 10:09
  Speaker 4: shares and things like that. That's probably where my improvement lies.
• 10:13
  Speaker 4: I would say, oh, I love this.
• 10:14
  Speaker 1: All right, let's go to a really quick break, and
• 10:16
  Speaker 1: when we get back, I'm asking you all about being
• 10:18
  Speaker 1: an undercover cop. All right, money diarist, we are diving
• 10:27
  Speaker 1: straight back in. I'm very excited to ask you about
• 10:30
  Speaker 1: your business and about your journey and about how you've
• 10:32
  Speaker 1: paid off so much of your mortgage. But you cannot
• 10:35
  Speaker 1: lead a money diary entry with like, Hey, I was
• 10:37
  Speaker 1: an undercover cop and expect she's on the money to
• 10:40
  Speaker 1: not be like tell us, how does this work? Can
• 10:42
  Speaker 1: you tell us a little bit about that? Journey and
• 10:45
  Speaker 1: how you got there and how you knew you wanted
• 10:47
  Speaker 1: to do that, Like that's wild.
• 10:49
  Speaker 4: Yeah, So essentially it's just a course that's run. There's
• 10:54
  Speaker 4: really not a lot of information out there about it.
• 10:56
  Speaker 4: It is quite secretive and for obvious reasons. But it
• 11:00
  Speaker 4: was something that I kind of I'm always looking for
• 11:03
  Speaker 4: a challenge and I, you know, I like to do
• 11:06
  Speaker 4: things differently. I always wanted to be an actress growing up,
• 11:09
  Speaker 4: so I was like, you know, if I'm going to
• 11:11
  Speaker 4: be a police officer, maybe I can inject the two together.
• 11:14
  Speaker 4: So I was three years in and I did just
• 11:17
  Speaker 4: under two years with the unit, and yeah, some really
• 11:21
  Speaker 4: interesting jobs and it's just one of those units that
• 11:24
  Speaker 4: you'll never experience anything like it again. It's so it's
• 11:27
  Speaker 4: such a weird thing to be a part of. But
• 11:29
  Speaker 4: I'm really proud of, you know, the things that I achieved
• 11:32
  Speaker 4: while I was there. And they're kind of like a
• 11:34
  Speaker 4: last resort section, so really it's like their results driven
• 11:39
  Speaker 4: and yeah, I'm just very proud of the things that
• 11:41
  Speaker 4: I did whilst I was there.
• 11:42
  Speaker 1: Oh my gosh, is it too much to ask for
• 11:45
  Speaker 1: some interesting stories around what that actually looked like? Because
• 11:49
  Speaker 1: I think so many times we see on movies and
• 11:52
  Speaker 1: as just said this, this is a bit like a movie.
• 11:54
  Speaker 1: At the start, you just see what an undercover cop
• 11:57
  Speaker 1: looks like and you just pretend to be a gangster.
• 11:58
  Speaker 1: I'm pretty sure that's what your job description is. Is
• 12:01
  Speaker 1: that accurate?
• 12:03
  Speaker 4: Yeah? Sort of. I mean I guess I can't go into.
• 12:06
  Speaker 1: Two no, no, no, no, absolutely because.
• 12:08
  Speaker 4: You don't want to give away like methodology or anything
• 12:10
  Speaker 4: like that. But it was definitely, you know, fun to
• 12:14
  Speaker 4: play different characters and the people that you meet are
• 12:17
  Speaker 4: probably you know, people that you don't want to be
• 12:19
  Speaker 4: spending time normally, So it really took a lot of
• 12:23
  Speaker 4: self control and you know, you have to remain really
• 12:26
  Speaker 4: calm in some really intense and stressful situations. So it
• 12:30
  Speaker 4: taught me a lot about myself and you know what
• 12:32
  Speaker 4: I'm capable of. And I feel like it's hard for
• 12:35
  Speaker 4: me now because I look at jobs outside of the
• 12:38
  Speaker 4: police service and I'm like, when could that ever be
• 12:41
  Speaker 4: able to be applied? You know, how do you put
• 12:43
  Speaker 4: that on a regimen and saying I learnt here I
• 12:45
  Speaker 4: can apply into it.
• 12:46
  Speaker 1: Just like reading through this money direst resume, Jess would
• 12:50
  Speaker 1: be like was fake gangster.
• 12:55
  Speaker 4: Cool.
• 12:55
  Speaker 1: I love that light. I want to know more about
• 12:58
  Speaker 1: your business though. Small business is something I I'm so
• 13:00
  Speaker 1: incredibly passionate about. You said, you built up a business
• 13:03
  Speaker 1: and sold it.
• 13:04
  Speaker 4: How who?
• 13:04
  Speaker 1: When?
• 13:05
  Speaker 4: Where?
• 13:05
  Speaker 1: What?
• 13:05
  Speaker 3: Why?
• 13:05
  Speaker 4: How? Like?
• 13:06
  Speaker 1: How does that happen?
• 13:08
  Speaker 4: I'm someone that's always been obsessed with everything planning related,
• 13:13
  Speaker 4: so I think, like the freedom that you can give
• 13:15
  Speaker 4: yourself and the things that you can achieve when you
• 13:17
  Speaker 4: sit down and plan for things is pretty incredible. There's
• 13:20
  Speaker 4: a lot of power in it. So I've always been
• 13:23
  Speaker 4: a planner, but every plan I'd ever bought was either
• 13:26
  Speaker 4: really functional and ugly or really beautiful but not so functional.
• 13:30
  Speaker 4: So I wanted to create one that I loved and
• 13:33
  Speaker 4: had all of the things included in it, so you know,
• 13:36
  Speaker 4: everything from budgeting, goal setting, mindfulness, and setting intentions. So
• 13:41
  Speaker 4: I created my own yearly planner. I did that for
• 13:46
  Speaker 4: four years, and so during that time was when I
• 13:49
  Speaker 4: took the sabbatical from work and tried to juggle traveling
• 13:52
  Speaker 4: around Australia and running that at the same time. But yeah,
• 13:56
  Speaker 4: sold that last year, and so my new small business
• 14:00
  Speaker 4: is essentially I mean, it's just teaching women how to
• 14:03
  Speaker 4: implement and apply all of these things into their life
• 14:06
  Speaker 4: because I feel like, as women, we have this tendency
• 14:09
  Speaker 4: to put ourselves last on the list of importance, and
• 14:13
  Speaker 4: I really just want to teach women how to put
• 14:15
  Speaker 4: themselves first again and the magic of doing that and
• 14:19
  Speaker 4: how nice it feels to actually, you know, create a
• 14:22
  Speaker 4: life that you're really proud of, that you can find
• 14:24
  Speaker 4: balance across all areas of your life.
• 14:26
  Speaker 3: We're all about that, clearly. I love to see, Yeah,
• 14:29
  Speaker 3: women's putting it in obviously exactly what she's on the
• 14:32
  Speaker 3: money stands for. I want to talk about that first
• 14:34
  Speaker 3: business that you built up and sold, because I think
• 14:37
  Speaker 3: that's something that we don't talk about quite so much
• 14:40
  Speaker 3: when we're talking about small business, is the fact that
• 14:42
  Speaker 3: you can build something up and then make the choice
• 14:44
  Speaker 3: to step away from it, and that can actually still
• 14:46
  Speaker 3: be a profitable decision. So how did you find a
• 14:51
  Speaker 3: buyer and how much money did you ultimately end up
• 14:54
  Speaker 3: making once you sold it?
• 14:55
  Speaker 4: How I found a buyer a few people when I
• 14:58
  Speaker 4: had sort of made the decision. Running especially a product
• 15:01
  Speaker 4: based business and working shift work as an emergency services
• 15:05
  Speaker 4: worker is like it's a tough gig. It's really exhausting,
• 15:09
  Speaker 4: and it just got to a point where it was hard,
• 15:12
  Speaker 4: but I had to make the decision for my own
• 15:14
  Speaker 4: mental health, like was what was more important. And so
• 15:18
  Speaker 4: I had sort of on my Instagram announced that it
• 15:21
  Speaker 4: would be closing down and I wasn't sure what direction
• 15:24
  Speaker 4: it would be would be taking, And a few people
• 15:26
  Speaker 4: actually approached me about it, about the potential of taking over,
• 15:30
  Speaker 4: but they just weren't the right fit. So I actually
• 15:34
  Speaker 4: just sent an email out to my email list and
• 15:37
  Speaker 4: said that this is what was happening, and the woman
• 15:41
  Speaker 4: who owns it now reached out and she didn't sort
• 15:44
  Speaker 4: of just reply with the generic hey I'm interested. She
• 15:48
  Speaker 4: introduced herself, told me why she loved it, you know,
• 15:51
  Speaker 4: all the things that she was passionate about. It was
• 15:52
  Speaker 4: honestly like handing it over to like my twin flame.
• 15:57
  Speaker 4: She's just so great, and you know, I just think
• 16:00
  Speaker 4: she embodies everything that that business was about as well.
• 16:03
  Speaker 4: So it just seemed really natural for her to be
• 16:05
  Speaker 4: the one to take over. So we discussed what I
• 16:10
  Speaker 4: thought it was worth and what she would be getting.
• 16:12
  Speaker 4: So there was you know a bit of back and forth,
• 16:14
  Speaker 4: and we did everything legally that was contracts, and all
• 16:18
  Speaker 4: of that for privacy. I was written into the contract
• 16:22
  Speaker 4: that I can't discuss the actual figure that I sold
• 16:25
  Speaker 4: it for, but you know, it was it was an
• 16:27
  Speaker 4: amount that I was really happy with to sort of
• 16:30
  Speaker 4: let it go and see it carried on because it
• 16:33
  Speaker 4: sort of had to be worth it for me. I'd
• 16:35
  Speaker 4: worked really hard to build it up to what it was.
• 16:38
  Speaker 4: I didn't want to just let it.
• 16:39
  Speaker 1: Go for you know, something that you felt like it
• 16:42
  Speaker 1: was undervaluing it, because that's like basically your baby. Like
• 16:45
  Speaker 1: you've built up this thing and you've put all your
• 16:47
  Speaker 1: time and energy and effort into it. You're like, I'm
• 16:49
  Speaker 1: not just going to give it to someone who's not
• 16:51
  Speaker 1: going to give it what it needs to continue to grow.
• 16:55
  Speaker 1: That's probably why you made the decision to, you know,
• 16:57
  Speaker 1: say all right, it's going to close, Like I don't
• 16:59
  Speaker 1: know anyone who can carry this on in the way
• 17:02
  Speaker 1: that I would want it. And sounds like you found
• 17:03
  Speaker 1: that person. How cool?
• 17:05
  Speaker 4: Yeah, really lucky.
• 17:06
  Speaker 1: My next question, my friend, is you mentioned shift work.
• 17:10
  Speaker 1: We have a lot of people in our community who
• 17:12
  Speaker 1: workship work and are probably listening to this going. How
• 17:15
  Speaker 1: is this money diarist not completely burnt out? Like how
• 17:19
  Speaker 1: are you managing doing shift work in addition to running
• 17:22
  Speaker 1: a new business and getting things up and running. Like
• 17:25
  Speaker 1: shift work knocks you for six It's not just like, oh, well,
• 17:28
  Speaker 1: you just work overnight and you sleep during the day,
• 17:31
  Speaker 1: Like it turns your entire world upside down? Can you
• 17:34
  Speaker 1: tell us how are you so bright and vibrant today?
• 17:36
  Speaker 1: How does that work?
• 17:38
  Speaker 4: Honestly? Planning, I know, like without like plugging it anymore
• 17:42
  Speaker 4: than I can, Like I honestly I plan everything so much,
• 17:45
  Speaker 4: and I've figured out and I've learned a lot about
• 17:48
  Speaker 4: myself and when I'm most productive and when I need
• 17:51
  Speaker 4: to rest. So obviously, on the days that I do
• 17:54
  Speaker 4: night work, there's very little done. And then I know
• 17:57
  Speaker 4: the days where I'm going to have a lot of
• 17:58
  Speaker 4: brain power, so I get up early. I've figured out
• 18:01
  Speaker 4: like when I'm most productive, which is always after I
• 18:05
  Speaker 4: get up early and go to the gym of a
• 18:06
  Speaker 4: morning and had a coffee. So it's really yeah, a
• 18:11
  Speaker 4: lot of people find planning very restrictive, but I have
• 18:14
  Speaker 4: found that by planning, my life has become so much
• 18:17
  Speaker 4: more organized, and not just like planning for things on
• 18:20
  Speaker 4: my to do list, but planning rest and planning, fun
• 18:23
  Speaker 4: and planning, you know, all of those things that make
• 18:25
  Speaker 4: my life as incredible as it is. It's been an
• 18:29
  Speaker 4: absolute game changer.
• 18:30
  Speaker 3: How did all that planning go when you were traveling
• 18:33
  Speaker 3: around Australia in a van? Because I'm imagining if you're
• 18:36
  Speaker 3: driving around in a van, as much as you can
• 18:38
  Speaker 3: kind of plan your stops or plan what you want
• 18:41
  Speaker 3: to see, things would probably come up that just kind
• 18:44
  Speaker 3: of throw you for a loop that you weren't anticipating.
• 18:47
  Speaker 3: How did you juggle that while running the business while
• 18:50
  Speaker 3: also dealing with any unanticipated little surprises that came up
• 18:54
  Speaker 3: along the journey.
• 18:56
  Speaker 4: Yeah, to be honest, the planning went to shit.
• 19:00
  Speaker 1: The best policy around.
• 19:03
  Speaker 4: Yeah, it was really hard, Like, especially traveling solo, you
• 19:07
  Speaker 4: really have to do all of the research and all
• 19:09
  Speaker 4: of the driving is being done and the van actually
• 19:12
  Speaker 4: just exploded in the middle of no in the Northern Territory. Yeah,
• 19:18
  Speaker 4: just absolutely car Yeah, carved it. It took about an
• 19:23
  Speaker 4: hour on the road side before anyone actually pulled over
• 19:26
  Speaker 4: to stop to help me, because I was like the scenario,
• 19:29
  Speaker 4: yeah that you could, you could get So I managed
• 19:32
  Speaker 4: to make my way to Darwin, and that was only
• 19:35
  Speaker 4: by I think halfway through month four of what was
• 19:38
  Speaker 4: supposed to.
• 19:39
  Speaker 1: Be didn't care up like I would have been, like,
• 19:42
  Speaker 1: we are going home.
• 19:45
  Speaker 4: I spent some time in Sydney, so yeah, I was
• 19:48
  Speaker 4: adamant that I was going to make the most of
• 19:49
  Speaker 4: that time off, so I sort of pivoted. But the
• 19:53
  Speaker 4: van was no longer after that, So yeah, we had
• 19:56
  Speaker 4: to change plans.
• 19:58
  Speaker 1: We pivot, we change big plan. I know your plan
• 20:01
  Speaker 1: quote went to shit, but I feel like you made
• 20:04
  Speaker 1: a different plan and then that worked for you.
• 20:07
  Speaker 4: Yeah, how did.
• 20:08
  Speaker 3: It work with internet when you were on the road?
• 20:10
  Speaker 1: Yeah, how do we do this? Can we just pounds
• 20:13
  Speaker 1: on the road?
• 20:13
  Speaker 3: Sounds like a dream being able to travel and work that.
• 20:15
  Speaker 3: I'm sure a lot of people have heard and gone,
• 20:17
  Speaker 3: oh my god, I'd love to do that. How what
• 20:19
  Speaker 3: was the like the actuality of it? Was it really
• 20:22
  Speaker 3: hard when you're you know, really deep in NTY and
• 20:24
  Speaker 3: you just have no reception.
• 20:26
  Speaker 4: Or yeah, you kind of have to just go go
• 20:29
  Speaker 4: with it. So hard to know when you'll have reception
• 20:31
  Speaker 4: and when you won't. So I just made the most
• 20:34
  Speaker 4: of it. It also meant that, you know, one of
• 20:37
  Speaker 4: my big things is not being on your phone as
• 20:39
  Speaker 4: much as possible. So I did a lot of reading
• 20:41
  Speaker 4: and I did a lot of relaxing, which isn't the
• 20:43
  Speaker 4: worst thing either, but I just honestly just had to
• 20:46
  Speaker 4: adapt with whatever I was confronted with on any given day.
• 20:51
  Speaker 3: So that's really cool. Was they like, what was your
• 20:54
  Speaker 3: ultimate high point and your ultimate low point of that trip?
• 20:57
  Speaker 1: Maybe her van exploding Jessica, Oh yeah.
• 21:00
  Speaker 3: Yeah, there is that chestnut, because definitely the low.
• 21:05
  Speaker 4: I actually met some friends on the road whilst I
• 21:08
  Speaker 4: was traveling who were the first people that I called
• 21:10
  Speaker 4: when the van did shit itself? And they said, where
• 21:13
  Speaker 4: are Alice Springs right now? Fly to us, jump in
• 21:16
  Speaker 4: the back of our van. So I did that.
• 21:18
  Speaker 1: Oh my gosh, how cool.
• 21:20
  Speaker 4: We did the top toe. There was three of us
• 21:22
  Speaker 4: in there, toy to high Ace. So we did Alice
• 21:26
  Speaker 4: Springs and we drove all the way to Ularu and
• 21:28
  Speaker 4: it was just a really incredible experience and just something
• 21:31
  Speaker 4: that I'm I'll always be grateful for that they sort
• 21:34
  Speaker 4: of let me tack on to the end of their trip.
• 21:36
  Speaker 1: That's really cool. I love that the worst thing that
• 21:39
  Speaker 1: could possibly happen ended up resulting into one of your
• 21:42
  Speaker 1: greatest memories. How cool.
• 21:43
  Speaker 2: Is that.
• 21:44
  Speaker 4: Yeah. I mean I'm really actually proud that it was
• 21:48
  Speaker 4: something that it could have ruined my trip and I
• 21:51
  Speaker 4: could have just thrown my hands in the air and said, well,
• 21:53
  Speaker 4: I guess that means I've got to go back to
• 21:54
  Speaker 4: work and I've got to go home with my tail
• 21:56
  Speaker 4: between my legs. But I was adamant that I was
• 21:58
  Speaker 4: just going to roll with it. I said that before
• 22:00
  Speaker 4: I left for the trip, whatever happens, I'm just gonna
• 22:04
  Speaker 4: go with the flow. So that was the theme of
• 22:06
  Speaker 4: the trip and probably what got me through.
• 22:08
  Speaker 1: See that was the plan.
• 22:09
  Speaker 4: Don't get me wrong, there were definitely tears.
• 22:12
  Speaker 1: Yeah, I would have tried a lot, as I said before,
• 22:15
  Speaker 1: like I would have just been like, I am going home.
• 22:17
  Speaker 4: I am that person, Like I gave myself ten minutes.
• 22:20
  Speaker 1: Oh my gosh.
• 22:21
  Speaker 3: I love that your long service leave that you have
• 22:23
  Speaker 3: coming up, but obviously stepping away from relatively set rigid
• 22:29
  Speaker 3: schedule with I know that you're working night and you
• 22:31
  Speaker 3: can be on and off when you're a cop, so
• 22:33
  Speaker 3: maybe not super rigid, but having that really regular income
• 22:36
  Speaker 3: and then going on on service leave to pursue this business,
• 22:40
  Speaker 3: how are you planning for that change? Obviously, you're plugging
• 22:43
  Speaker 3: away at the moment on the business currently on the side,
• 22:46
  Speaker 3: how did you decide that you were kind of in
• 22:48
  Speaker 3: a place where you were maybe profitable enough to take
• 22:51
  Speaker 3: that time off and focus wholly on that, And have
• 22:54
  Speaker 3: you put anything in place kind of to cover you
• 22:57
  Speaker 3: in case of emergencies.
• 22:58
  Speaker 4: Yeah, so I've got a really healthy offset account and
• 23:03
  Speaker 4: at the moment, so I'm taking long service leave at
• 23:05
  Speaker 4: half pay, so I'm still getting paid even if it
• 23:08
  Speaker 4: is only like a small amount, but I've worked out
• 23:11
  Speaker 4: at the very least my bills and things like that
• 23:13
  Speaker 4: can be covered. I'm making extra mortgage repayments at the moment,
• 23:17
  Speaker 4: which may probably have to stop, but as I said,
• 23:20
  Speaker 4: that is being rented out and that covers principle and
• 23:23
  Speaker 4: interest at the moment. So I'm in a good position
• 23:25
  Speaker 4: to do that, and i just figured if I don't
• 23:28
  Speaker 4: do it now, I'm never going to have the opportunity.
• 23:30
  Speaker 4: And I truly believe that, given the time and the
• 23:34
  Speaker 4: love that it deserves, like it's really it has the
• 23:37
  Speaker 4: potential to completely replace that wage in a really short
• 23:42
  Speaker 4: period of time. But until I have the time in
• 23:45
  Speaker 4: the space to do that, it was never going to happen,
• 23:47
  Speaker 4: so I just thought I've just got to do it.
• 23:49
  Speaker 3: That's yeah, really really amazing.
• 23:52
  Speaker 1: I have a door talking to you and learning more
• 23:54
  Speaker 1: about you, know, what your new job is and how
• 23:57
  Speaker 1: that's going to work. Like the idea that you exist
• 23:59
  Speaker 1: to empower people to just like live their best lives.
• 24:02
  Speaker 1: That's cool because I think that we have just learned
• 24:05
  Speaker 1: that you're basically living your best life. Like you look
• 24:08
  Speaker 1: so young. Can I be pervy and ask how old
• 24:10
  Speaker 1: are you?
• 24:11
  Speaker 4: I'm actually thirty five?
• 24:12
  Speaker 1: No you're not, No you're not.
• 24:15
  Speaker 4: She looks twenty eight.
• 24:16
  Speaker 3: Guys, I don't know what water you're drinking, but I
• 24:18
  Speaker 3: would like some of it.
• 24:19
  Speaker 1: Whatever you're doing, because having been an undercover cop but
• 24:23
  Speaker 1: built and sold a business to now having a brand
• 24:25
  Speaker 1: new business and having traveled all around Australia, like, I
• 24:28
  Speaker 1: feel like you have lived your best life, and I
• 24:30
  Speaker 1: feel like if anyone is going to teach other women
• 24:33
  Speaker 1: how to live theirs, like you're pretty good. You're walking
• 24:35
  Speaker 1: the walk, you're talking the talk, and I know that
• 24:38
  Speaker 1: you are going to be wildly successful. So thank you
• 24:40
  Speaker 1: so much for joining.
• 24:42
  Speaker 4: Us, Thank you for having me.
• 24:43
  Speaker 1: Oh always, Jess, would you like to take it away
• 24:46
  Speaker 1: and wrap the show for us.
• 24:47
  Speaker 3: Absolutely don't get, guys that the advice shared on Shees
• 24:50
  Speaker 3: on the Money is generally nature and just not consider
• 24:53
  Speaker 3: your individual circumstances. She's on the Money exists purely for
• 24:56
  Speaker 3: educational purposes and should not be relied upon to make
• 24:59
  Speaker 3: an investment or a financial decision. And we promise Victoria
• 25:02
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• 25:05
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• 25:09
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• 25:12
  Speaker 3: L two three six five two three.
• 25:14
  Speaker 1: See you on Wednesday, guys.
• 25:15
  Speaker 3: Bye,