Latest / The Curve / RTC103: A trip down memory lane (with the oldest, baldest, kindest guests we’ve ever had).

Transcript

RTC103: A trip down memory lane (with the oldest, baldest, kindest guests we’ve ever had). · The Curve

0:00
Welcome to Raising the Curve, a podcast designed to teach you everything you need to know
0:05
to be better with your money.
0:07
And the wise words of Amy Schumer were slipping carrots into the brownie recipe.
0:11
I don't really get the saying.
0:14
It's kind of like eating vegetables that actually taste good, you know, it's still not
0:18
weird.
0:19
Are you on the script?
0:20
It's basically like saying investing in finance can be boring but it totally doesn't
0:26
need to be.
0:27
OK, OK, so we're making it fun by putting the carrot, OK, the vegetables are just good
0:33
for you.
0:34
It's the brownie recipe.
0:35
OK, we got there, we got there, OK, OK, well, you've really got to finance me.
0:39
Yeah, one of us has to.
0:41
This is a joke.
0:42
OK, come and learn alongside me from Vick Harris, ex-fun manager, where I'm going to ask
0:46
all the questions that you wish you could.
0:49
And I'm going to be eating all the brownie you wish you could.
0:51
It's so not the joke, Vick.
0:54
OK, just come and talk and learn and laugh with us because together we really can raise
0:58
the curve.
1:01
So we have two very patient guests in here.
1:04
Very special guests in here.
1:06
Oh, oldest.
1:07
Oh, oldest.
1:08
Our baldest.
1:09
Yeah.
1:10
Almost there.
1:11
Just say to you guys, you wouldn't be here if it wasn't for us.
1:14
Oh, OK.
1:15
Oh.
1:16
OK.
1:17
All right, Michael, all right, you just keep it down on the cheap seats for a moment.
1:22
Yes.
1:23
We have brought our fathers in studio.
1:25
We've also got me, so in studio and Vick's dog, sorry.
1:29
And do you know what, there's something we've spoken about for so long, like we pitched
1:33
the idea months ago, neither of them were keen.
1:37
They're still not that keen.
1:38
Yeah.
1:39
We had to entice them with some banana breads and some coffees.
1:43
Do you know what, though?
1:44
They both turned up in the cutest shirts, both wearing t-shirt shirts.
1:48
Actually, dad nearly left the house wearing like a stained jumper.
1:52
Basically, no shoes.
1:53
No shoes.
1:54
Yes, you were.
1:55
Sounds like some of them are.
1:56
Yes, you were right.
1:57
Anyway.
1:58
I was like, he was like, oh, you're not filming it, are you?
2:01
I was like, yes, we are.
2:02
Yes, we are.
2:03
Yes, we are.
2:04
And then Ian, Vick's dad's bought an array of tops that are in the car, just in case the
2:09
current one wasn't there.
2:10
I haven't got a pretty gaudy flowery shirt in the car, but it didn't.
2:12
I know.
2:13
I wasn't allowed to wear it.
2:14
I'm glad that's in the car.
2:15
Did you have to OK it with it?
2:16
Oh, I did.
2:17
The wardrobe control was there.
2:18
No, the wardrobe control has been going for about 30 years.
2:21
Well, to wear the nice pale green shirt that I actually bought off Christmas.
2:26
I do buy a selection of Hawaiian shirts just to annoy the kids around the beginning.
2:32
Yes, party shirts.
2:33
Dad does that too.
2:34
He's got like a surfboard shirt.
2:35
Just got surfboard all over it.
2:36
Cool.
2:37
It's hair, yes.
2:38
Cool, cool.
2:39
Do you still have that review before you asked to throw that out?
2:41
Absolutely.
2:42
I really wore it today.
2:43
Makes you.
2:44
Now.
2:45
Firstly.
2:46
We should have taken Mike before.
2:47
Yeah, coordinated.
2:48
Round two.
2:49
Round two.
2:51
So Vic and I have joked for a really long time about how the fact that you two are incredibly similar.
2:56
I'm not sure if we've passed that on to either of you.
2:58
No.
2:59
But we're always like, God, Ian and Mike could be best mates if they hung out.
3:01
They're just fix it, guys.
3:03
You know, they always complain when we call you to help us fix something that's secretly not.
3:08
Yeah.
3:09
It happens often.
3:10
Yeah.
3:11
Secretly love it though.
3:13
Secretly love it.
3:14
Like I remember this one time, Dad, when I was purchasing a car.
3:17
And I'd always call you and I bought my cars because I want dads over sight of am I buying a lemon?
3:21
And they bought them anyway.
3:22
Yeah.
3:23
And he's like, don't buy a European car.
3:25
That's what you sound like.
3:26
It's saying Dad always said that.
3:28
And I'm like, don't.
3:29
I'm like, God, we should have just got one of you in here because you're pretty much saying the same stuff.
3:35
But anyway, and then I remember the one time that I just went and bought a car without you without consulting you.
3:41
And you were like, oh, well, did you check this?
3:44
I was like, yes.
3:45
Did you check this?
3:46
I was like, you've taught me well, Dad.
3:48
And it was like this pivotal moment of, oh, she's grown up.
3:51
Doesn't need me anymore.
3:52
Doesn't need me, but I still need you.
3:53
Yes.
3:54
Yeah.
3:55
Just the other day, I, Dad, has been like, you need to get a warrant on this car.
3:58
If you need to get a warrant, you're going to get a ticket blah, blah.
4:00
I'm a hundred years.
4:01
I'm a hundred years.
4:02
Yeah.
4:03
And I took it in to get serviced or wafted whatever it's called and they were like, you've got to change the win-through in my person.
4:07
I was like, Admin, as if I'm going to do that.
4:10
Trot on home hadn't done it.
4:12
I woke up the next morning and Dad had gone and fixed my wipers, got me a new waft,
4:18
which I was like, honestly, where would I be without you?
4:21
Like, can you move to London?
4:23
What am I going to do here?
4:25
Yeah.
4:26
The number of times you just come up the driveway when you sort of home and you just pat the side of your cheek.
4:30
Like, give me a kiss.
4:32
So thank you.
4:33
And I'll give you a kiss on the cheek and then you'd be like, just wash your car.
4:38
Just wash your house.
4:39
I don't think it was the last one.
4:40
Yeah.
4:41
Just wash my house.
4:42
Take me a wee while to notice.
4:43
And I was like, hang on.
4:44
My house looks really clean.
4:45
It's so funny.
4:46
The other day we were cleaning cars together out the front of the house.
4:49
And Dad, when I say cleaning together, Dad basically cleaned mine.
4:53
And my only job was to spray water to get the soap off.
4:56
And I just kept spraying it.
4:58
Spraying me instead of the car.
5:00
Hello.
5:01
He's like, I'm the host, Sophie.
5:03
I was like, sorry.
5:04
Oh, gosh.
5:05
We could go on about stories.
5:07
You guys can catch up on your own time.
5:09
We'll send you off for a cute lunch after this.
5:11
Yeah.
5:12
But the reason we wanted to get you in was because we wanted to chat about what we were like as kids.
5:16
So not just kid kids, but also teenagers and, you know, just talk about, I mean, yes,
5:22
to do with money and finances and all the pocket money, jazz.
5:26
But also just in general, because it's funny.
5:29
And I also don't really know anything about Vic as a kid, because we met as adults.
5:36
Yeah.
5:37
So I don't really have much context as to why she is the way she is.
5:40
I would love you to ask me that, not my dad.
5:43
I feel like we were in a very different story.
5:46
I don't know if we had enough time, so I'm just going out.
5:48
But do you remember what, if you were to describe Vic as a kid, and I'm talking like under seven,
5:54
because when you're seven or by the age of seven, you've completely developed your relationship with money,
5:59
which is quite fascinating.
6:00
We're not completely, but more or less.
6:02
So up until the age of seven, if you were describing Vic as a person, and it doesn't have to be
6:07
with relation to money, what was she like?
6:09
And dear, just remember, a lot of people can listen to this, so...
6:12
No, no, no.
6:13
No, no, no.
6:14
No, no, no.
6:15
No, no, no.
6:16
Go, you have free reign.
6:17
I'm going to take my headphones off and just not listen to that.
6:20
Well, one of the very first things have always been a helper.
6:23
And I think it's reflected in what she's doing now.
6:25
But one of the first images I have of Vic was when she would have...
6:29
It wouldn't have been two years old, and I was extending the deck at the back of the house that we just bought.
6:34
And my little helper was there tipping all the nails and screws down through the decking holes.
6:40
So I had to go and recover them from underneath the deck to carry on building the deck.
6:44
But, you know, she was helping.
6:46
Oh, it was great.
6:47
Oh, my God, that is so cute.
6:49
And focusing on that help thing is really what she's done.
6:52
I mean, she helped prune the rosemary, we spoke about, you know, from one side of the driveway,
6:57
not the other side.
6:58
So it was just one side.
7:00
So just one side was denuded and froze me.
7:02
But it was all tied up neatly on little cardboard packs,
7:04
and she was selling it with a friend down at Mission Bay.
7:06
So I'm...
7:07
How old do you think she would have been when she was stealing rosemary?
7:10
We see her.
7:11
We see her, right?
7:12
We see her, right?
7:13
Yeah.
7:14
That's good.
7:15
Yeah, very entrepreneurial.
7:16
I didn't see a penny of the proceeds, though.
7:17
McDonald's did.
7:18
I remember this older lady that she's like...
7:22
I remember this older lady came up to say,
7:25
what are you saving for, girls?
7:27
And I was like, like, don't say McDonald's cheeseburger.
7:29
Don't say McDonald's cheeseburger.
7:30
And I was like, I'm back.
7:32
Because I just thought there's money for kids for saving for.
7:34
She was like, oh, please, please.
7:36
Basically, all you one of us all, they can cheese.
7:39
I know.
7:40
Let me pay twice the price for that.
7:42
Yeah, I know.
7:43
And she's probably doing that because we didn't normally allow them to go down to McDonald's.
7:46
It wasn't a thing in our house.
7:48
So ribble would be the other way.
7:50
Absolutely.
7:51
Helping yourself.
7:52
Helping yourself to McDonald's.
7:53
So ribble would be the other way, did some help her and ribble.
7:56
Right.
7:57
Okay.
7:58
And is there any other stories that stick out about her?
8:02
So it could be anything from life.
8:05
Second child's always competitive.
8:07
And, you know, Sarah, when they were in their, I don't know, five and six year old,
8:13
and three year old, very for Vic, Sarah were going jump off the third stair up the stairs.
8:19
And Vic would always go one better and jump off the fourth one and hit the bottom step and fall flat in her face.
8:24
You know, I mean, but it had to be better.
8:26
And yeah, there's how there was a competitiveness with the sister.
8:29
And then at one point, and I'm guessing it was around that seven, eight, nine year old point in time.
8:37
When Sarah, they were saving holiday money or birthday money.
8:42
But Sarah said she got, I'm picking a figure here, like $400 in a little bank account.
8:48
And Vic had got $200.
8:50
So there was a race on to be the first to get $1,000 in their bank account and Vic won by it.
8:56
A big margin, yeah.
8:58
Yeah.
8:59
What were you doing?
9:00
I don't know why.
9:01
My deviation was there other than to be bigger and better and faster than sister.
9:04
Mum had no rosemary at that point.
9:06
The bush was gone.
9:08
No, the bush was gone.
9:09
No, the neighbor's.
9:10
Yeah, the whole street was gone.
9:12
That's so interesting.
9:14
Do you remember that?
9:15
Kind, not really.
9:16
Yeah.
9:17
He didn't remember the two sides of the rosemary.
9:19
No, no, no.
9:20
No, but I do.
9:21
Mum found a letter actually that my sister had written my grandparents.
9:25
And it was like, hi, Nana and Papa.
9:27
And I don't know what she started talking about a day.
9:29
And then she's like, and I don't know what's happening to my money.
9:32
But it keeps disappearing.
9:33
But don't worry.
9:34
I'm doing okay.
9:35
Is this you?
9:36
No, this is my sister.
9:37
Is this you?
9:38
No, no, no, no.
9:39
No, no, no, no, no.
9:40
No, no, no, no, no, no, no, no, no.
9:41
No, no, no, no, no, no.
9:42
No, no, no, no, no, no, no.
9:43
It was a spend-thrift.
9:44
Yeah.
9:45
No.
9:46
But no, I do remember a competitive element.
9:48
And I see that.
9:49
I mean, there's a nephew as well.
9:50
The youngest always wants to do what the oldest is doing.
9:53
But you're like, oh, no, no, no, no, no.
9:54
Too young.
9:55
Too young.
9:56
So, yeah.
9:57
And so then if you were to compare Vic with her sister, was there any, like, clear,
10:01
some, like, differences or similarities between, like, specifically, with money or career
10:06
or working or was it pretty much much for us?
10:09
Yes.
10:10
Both pretty driven.
10:11
But got to the point where there was always pocket money versus spending money versus
10:16
money for shoes, money for clothes, you know, when they're, I don't know, perhaps early teens
10:21
maybe a little earlier.
10:24
And to solve that argument about a pressuring parent to buy our new pair of shoes, we
10:30
said, we agreed there was a clothing allowance or a spend allowance.
10:35
We came up with this concept of a spend allowance.
10:37
And it was, I say, $100 a month over and above a pocket money type thing.
10:44
And that the children had their own, their choice of what they spent that on.
10:48
Now, if they wanted to go and save for a couple of months and get a $200 pair of shoes,
10:52
that was it.
10:53
They had nothing left.
10:54
They wanted to buy a $50 pair of shoes and have some money for something else.
10:58
That was their choice.
10:59
It was in the case of putting the pressure on the parent.
11:02
We put the responsibility back on the children to determine what they were going to spend
11:07
their money on.
11:08
I do remember, though, that was kind of, I think that was when we turned 16, we got that.
11:14
Or something.
11:15
There was some, yeah, maybe it was like 14, but I remember being, obviously three years
11:18
younger than my sister, and she got this spending allowance.
11:22
And I was like, I want it too, because she was like, no, no, she's like, it's so restrictive
11:27
if you don't want the spending allowance.
11:29
And I was like, no, I want it, because I want to be like you, and I want to have the
11:32
ability to spend my money, not ask my dad if I need everything, or if I want something.
11:36
So I want to be able to have the freedom and independence to spend my money how I want.
11:40
And so I remember asking for it earlier than whatever age it was.
11:44
And my sister was like, oh, you're so stupid, so stupid.
11:48
And then, yeah, but I think it also comes back to that independence.
11:50
I just wanted to not have to ask my parents for everything.
11:53
I wanted my own money, and that probably came down to the selling the rosemary, getting
11:57
my first job, all that kind of stuff, because that's one of my own, I want to make my own
12:00
decisions with my money.
12:01
That's kind of, yeah.
12:02
But what, this about me.
12:04
Well, you have another.
12:06
Drew has room.
12:07
What is it?
12:08
Even when I smile, I look at the way my teeth are, and it's like, God, we're similar.
12:13
Like, dad's teeth are starting to move back into the center, and you've got like, when
12:17
you smile, they're like, I'm minor doing the exact same thing.
12:20
Like, we're literally, well, you are half of him.
12:22
I know, but it's like terrifying to see, I mean, you look great, dad.
12:27
You look really good.
12:28
But like, it's quite weird, how similar.
12:30
Do you, do you think the hairstyle will follow?
12:32
I'm hoping to hold on to my hair.
12:34
Absolutely.
12:35
I mean, Mike, get on here.
12:36
Yeah.
12:37
Yeah.
12:38
A ponytail, baby.
12:39
I've seen photos.
12:40
Dad just really compensated with a giant moustache back on the day.
12:43
So he's like, he is gone, but don't you worry, the slug is not going anywhere.
12:47
Do you know I've never seen my dad without a moustache?
12:50
Oh, that's weird.
12:52
What's under your arm?
12:54
He hasn't seen you without a moustache, is it?
12:56
Is there something under there?
12:57
Like, do you have a big mole or something?
12:59
No, no, no.
13:00
Just...
13:01
I always do that.
13:02
It saves you.
13:03
No, it saves you.
13:04
It's snack for ladies.
13:05
Yeah.
13:06
Oh, god.
13:07
No.
13:08
Are you curious?
13:09
Just look, you're up all up.
13:11
It's so funny.
13:13
It's been with me for 40 years.
13:18
Oh, and the rest.
13:19
Wow.
13:20
Wow, you love it.
13:21
18s.
13:22
18s.
13:23
The 18s.
13:24
I mean, it looks great.
13:25
I was going to attack you one night and just shave it off.
13:29
Just anything.
13:30
Sorry.
13:31
But I'll never forget that you're having a moustache.
13:33
And then we decided to remove it one day.
13:37
And I remember your mum saying to me, let me just give a few days to decide whether,
13:41
you know, what would you do with it?
13:42
Whether you should keep it.
13:43
She's dictating your face.
13:45
No, and then within one day she said, I think you should grow back.
13:49
I was going, really?
13:50
I don't like it.
13:51
I don't like it.
13:52
I don't know when I got rid of it.
13:54
It's so funny.
13:55
So, what was Sophie Horroit like when she was younger?
14:00
And specifically, why actually not?
14:02
Let's go under seven.
14:03
Let's go under seven.
14:04
Under seven.
14:05
She was a very happy, actually gorgeous little kid.
14:09
She loved life.
14:10
And we...
14:11
He hasn't changed a bit.
14:12
No.
14:13
No, exactly.
14:15
And what about in relation to money?
14:17
Was there any young money stories or like...
14:19
Was she like with pocket money or chores or...
14:21
Did you guys have that at home?
14:23
We did.
14:24
We had...
14:25
Little star chart or something?
14:26
We did that.
14:28
And they got their age.
14:31
So if they were six or seven, they got six or seven dollars.
14:35
And basically that kept on going until we had the same situation as...
14:39
So it was the pocket money debt.
14:41
So say six dollars for being six or whatever.
14:44
Was that just for me to keep and spend on...
14:47
Well, you were...
14:48
I mean, the idea was that you would do chores to actually earn it.
14:52
And at that kind of age, you really...
14:54
It's not an awful lot.
14:55
You can do that part for me.
14:56
The dishwasher and...
14:58
I can't imagine you washing...
15:00
I can't imagine you mowing the lawns or washing the car.
15:05
But you still don't do that.
15:07
Excuse me.
15:08
This is not a roast.
15:09
I rode my sister used to.
15:11
We had to...
15:12
We had to unload the dishwasher.
15:13
And because I was younger, I only had to do the knives and forks.
15:16
And she could do the whole rest of the dishwasher.
15:18
She was like, this is so unfair.
15:20
It sounds like Sarah got the shitty stuff to be honest.
15:22
I mean, poor Sarah.
15:23
How Sarah survived, I don't know.
15:26
So we had pocket money that we were kind of given just for being good around the house.
15:31
I even find that kind of weird innocence now.
15:33
But then you grow up and no one's paying.
15:35
You didn't do the dishwasher or make it for free.
15:38
Yeah.
15:39
I don't know if that's teaching me a particularly great habit.
15:41
No.
15:42
I would agree.
15:43
But you kind of had to justify somehow...
15:46
To give you the money.
15:47
To give you the money.
15:48
We all earn money and we try to learn about that.
15:52
You have to...
15:54
It's reward.
15:55
For industry or endeavor.
15:59
Rather than just being given money.
16:03
In real life, we don't get given money.
16:05
I know.
16:06
So the concept's quite weird pocket money.
16:08
Because where's it coming from and why?
16:10
Did you ever try and explain saving or anything like that to us?
16:15
Like, hey, don't spend it all if you put some money away.
16:18
So then you can have delayed gratification and buy something bigger later.
16:22
I think that concept would have probably gone way over a seven-year-old's head.
16:27
Totally.
16:29
Often goes over adult's head as well.
16:32
Well, I was about to say, like, I think with that...
16:35
Oh, my God.
16:36
She don't even really want to go there.
16:38
But past seven onwards, let's talk about.
16:42
Because I think under the age of seven, you're right.
16:45
Those conversations aren't exactly going to be absorbed or concepts won't be understood.
16:50
Like, even if you're trying, I think that you'd be hard pressed to find a seven-year-old
16:55
that understands the concept of, like, saving.
16:57
And maybe in, like, a roundabout way with the marshmallow test,
17:00
you can teach, you know, whatever it's called.
17:02
Like, we have a marshmallow now, if you don't eat it in 15 minutes yet, too.
17:05
Did you try that with us?
17:07
No, we didn't.
17:08
I reckon I would have eaten that.
17:09
I was a bit of a...
17:10
We tried it with a failure, didn't we?
17:11
Yeah.
17:12
Well, she did.
17:13
A failure is a fix, nice.
17:14
Yeah, she's...
17:15
At it and denied it.
17:16
Yeah.
17:17
She put in a chin, either.
17:20
That's like worse than worse than worse.
17:23
That's actually the worst out there.
17:25
Oh, yeah.
17:26
Not just did she ate it, but she also lied about it.
17:29
I think I was on the same.
17:30
So then, looking past the age of seven into early teens,
17:35
later in teenage life,
17:37
and do you remember, like, VIX wants to get a job,
17:42
earn money, or how did you see that as she grew up?
17:44
Yeah, I mean, I think teenage years,
17:46
you're talking school years,
17:48
and one of the programs within the school was a young enterprise,
17:52
where the chart has to develop a business plan and execute it.
17:56
Oh, my God, I did this too.
17:58
And that's a great concept.
17:59
I loved it.
18:00
And VIX got very lucky, I suppose,
18:02
it's not the word, but anyway.
18:04
Excuse me.
18:05
I had a lot of hard work in it.
18:06
VIX decided that she was going to sell goldfish.
18:09
Now, you can only afford a goldfish in bulk.
18:12
They're coming about the big bags of 200 or something like this.
18:16
Wow.
18:17
But she had a stand,
18:19
and I saw an orange theme going with a goldfish happening there.
18:24
And it just so happened that Nimo, searching Nimo,
18:28
or finding Nimo, came out just before this.
18:31
Oh, that's quite exciting.
18:33
Not as though she wanted to paint stripes on the goldfish,
18:36
but suddenly the goldfish and goldfish became very popular.
18:42
And I went along to see this display that she had at the school.
18:47
And I was very impressed with the fact that it was all this orange regalia,
18:51
including a very short, very nice orange fishing rod.
18:56
I was honestly waiting for you to say that VIX dressed up as finding Nimo,
18:59
or something like that.
19:00
But this fishing rod, and I'm looking at this fishing rod,
19:02
and I'm thinking, this is a very nice orange fishing rod,
19:04
but my one was white.
19:07
So suddenly, I realised that my fishing rod,
19:10
my special boat rod, had a short one, very useful.
19:14
But she said, hanging on the wall there, bright orange.
19:17
I still got orange flex on it today,
19:19
where I tried to get most of it off of this.
19:21
I didn't realise how much a fishing rod was worth.
19:23
That's the best thing I've ever done.
19:25
But I do remember you made a great fortune.
19:28
I painted it.
19:29
I painted it.
19:30
I painted it here.
19:31
How did you get away with not them not seeing orange painted?
19:34
I don't know.
19:35
But I do remember looking around and I saw all these girls at school
19:38
carrying all these clear plastic fish bags
19:41
with the orange fish in them.
19:42
And I was like, yeah, we nailed it.
19:44
Do we?
19:45
Do we?
19:46
Do we?
19:47
No, I don't know.
19:48
They all turn up home being like,
19:49
Mom, I bought a goldfish.
19:50
Cool.
19:51
But yeah.
19:52
It was like 2.0 by fish tanks for the fish.
19:54
Yeah, I was going to say, follow up.
19:55
Yeah, absolutely.
19:56
But I think that's a really good point,
19:58
is that I think with any business idea,
20:00
it's opportunity as well as hard work and skill.
20:04
And it's kind of, yeah, timing.
20:06
Obviously, when I remember, so I'm doing a lemonade stand
20:10
at the top of the driveway.
20:12
I mean, it's like a terrible,
20:14
there's not even one person that would be foot traffic.
20:16
Well, we're at the end of a cul-de-sac.
20:18
So, I mean, how bad, I mean, wasn't it my main route?
20:21
Wait, why did you sit there up for failing?
20:22
I know.
20:23
I thought you were going to drop me somewhere else.
20:24
Like, the poor thing just probably gave up.
20:26
Thank you up a couple of days later.
20:27
But I also did the business studies thing at school.
20:31
And we did, do you remember this?
20:33
I do.
20:34
Yeah, we sold those Lulu toilet tree bags.
20:37
Do you remember, they had the little cherries on them
20:39
or like the little designs and they were kind of like,
20:41
anyway, they were bigger at the time.
20:42
Yeah.
20:43
And so we imported them.
20:44
Do you remember Red Current?
20:45
Yeah.
20:46
They used to sell them.
20:47
So we got them and we sold them at the market day as well.
20:50
And we did really well.
20:52
That was the first time I ever remember making money.
20:55
And actually, like knowing that the harder I worked,
20:58
the more I could sell.
20:59
Yeah.
21:00
And also feeling super proud that I'd come up with this,
21:02
like, quite good idea that every, it was the same thing.
21:04
You'd see people buy it and you'd see them everywhere.
21:06
Yeah.
21:07
Anyway, cool.
21:08
But I don't think, because for me,
21:10
because you then went and got a job through your high school years,
21:13
right?
21:14
Like, you actually worked from over there.
21:15
Yeah.
21:16
Whereas, you couldn't.
21:17
I never could work because I was always doing gymnastics.
21:20
Yeah.
21:21
So I had like morning afternoon training all the time.
21:25
I think that was a real defining moment and a bad way for me,
21:30
not having to or being able to work for my own money,
21:34
because I, like, for the whole of school,
21:37
never really had any control over my income if that makes sense.
21:40
Or school, like, I didn't have the time to do it even if I wanted to.
21:43
I don't even want to.
21:44
I don't even want to.
21:45
I don't even remember.
21:46
No, I mean, all you wanted to do was job.
21:48
Yeah.
21:49
But then I think that instills competitiveness in drive
21:52
and which later in life is almost even more important
21:57
because the money will come from that if that makes sense.
21:59
If you've got competitiveness in drive in a business area,
22:03
then financial success will flow from that.
22:06
So it's kind of put us together.
22:08
You're certainly fundraising, remember,
22:10
for going to Europe because you went to the world twice.
22:13
Amazing.
22:14
I love that you just drop in a little, like, I'm so proud of my daughter.
22:19
Let's talk about, so as a teenager,
22:23
you gave a certain amount of money,
22:26
basically to pay for clothing and stuff.
22:28
Is that right?
22:29
Yeah, it was a discretionary spend.
22:31
Yeah.
22:32
What was happening?
22:33
We did exactly the same scenario.
22:35
I mean, it got to the stage where you wanted,
22:39
I mean, like all kids, they want more than they're allowed
22:42
and they, we decided that that was definitely going to be the best way to...
22:46
You make the choice.
22:48
Well, you're never going to be able to give your child
22:51
and you don't want them to have as much as they want
22:54
because you want them to learn reality
22:57
and reality is that you can't buy everything you want.
23:00
I do remember doing the paper round as well.
23:03
In the mornings.
23:04
In the after school.
23:06
My poor nanny at the time, having to come around
23:08
and wrap up newspapers with me and put them in the boxes.
23:11
Gosh, she's probably like,
23:12
I don't want to be...
23:13
Did she get cut anymore?
23:14
No, absolutely.
23:15
That's me, just outsourcing.
23:17
You know, getting contractors through my work.
23:20
So sorry, so you gave me a certain amount
23:23
and that was like discretionary money as well.
23:25
Yes, that was for anything that extra that you wanted.
23:29
They beyond what I needed, basically.
23:31
And would I just like spend it?
23:34
Because I remember mum kind of saying,
23:37
you know, nothing ever felt like enough to me.
23:39
I was always like, that's not enough.
23:41
Give me more or whatever, like a pretty little shit.
23:43
So did you sit me down and say,
23:46
if you hold on to this money or you spend some of it now
23:49
and you save some of it, you know, like it could accumulate?
23:52
Was there any kind of conversation around investing
23:54
or saving?
23:55
Or is it more just like spend your money?
23:57
Well, I think the issue is that at that stage
23:59
you probably want it more than you had anyway.
24:01
So it was a matter of not put it away to buy something down the track.
24:08
It was, I mean, it sure.
24:09
You'd hold on to it for a few weeks and buy something.
24:12
I guess whether it was...
24:13
But there wasn't conversation around, like,
24:15
like, invest the soil.
24:16
This is what investing is.
24:17
All this is what saving looks like.
24:18
No, I don't think at that stage we were at that stage.
24:22
I love that you say at that stage.
24:24
That was never a conversation.
24:26
Yeah, I was...
24:28
My background is pretty vanilla in...
24:31
I didn't have any financial advice to myself.
24:35
In fact, I remember getting my first pay packet at work.
24:39
And it was a pay packet with money.
24:42
You know, dollars or pounds and not many.
24:46
And at the time, I didn't even have a bank account.
24:48
I didn't knew nothing about how to put money into a bank or take it out.
24:52
It just wasn't...
24:53
It wasn't taught at school.
24:54
My parents didn't cover it off with me.
24:56
And the skill sets now that we tried to instill in our children and Victoria.
25:01
I wasn't able to take through the benefits of having bank accounts or savings or whatever.
25:08
But my wife, Eileen, or Vicky's mum, had that financial background in the university study she did.
25:15
So she was more able to take Vick through the financial aspects of money management
25:22
and savings.
25:23
Not that they fell on anything other than deaf ears, but I mean...
25:26
I would disagree with that.
25:28
Thanks on the outcome of your offer.
25:29
Eileen is also the Curve accountant.
25:31
Yes, thanks Eileen.
25:32
She actually hates me.
25:35
She's like, hi.
25:37
Can Sophie please get back to me about this invoice?
25:39
I'm like, Eileen!
25:40
I'm doing it!
25:41
I'm doing it!
25:44
And especially because my mom's retired and you're like half an hour late.
25:46
She's like, Sophie, have you seen my email?
25:48
She's like calling that, calling me, hi.
25:50
I'm just checking in.
25:51
I'm like, oh my god.
25:52
Sorry, Eileen.
25:53
Shout out to Eileen.
25:54
Yeah.
25:55
Shout out to Eileen.
25:56
Thank you, yeah.
25:57
Amazing.
25:58
The cheapest accountant.
25:59
Yes.
26:00
She gets flowers every two years.
26:03
What was the one thing you reckon that you tried to instill in us as children or instill in me?
26:10
Is that like, is it that money doesn't grow in trees?
26:12
Is it, you know, like, what was the kind of the one thing?
26:15
Yeah, money isn't free.
26:17
And the more you manage it, the better you...
26:20
It's like you'd be for you.
26:22
Yes.
26:23
And now you've taken that to another level.
26:25
I didn't have any financial awareness built into my schooling or...
26:32
pre-work education.
26:34
More so that I think that happened to a certain extent with yourselves and your generation
26:39
young enterprise, those sorts of things.
26:41
And I'd like to think that there's a continuation of that.
26:45
That there's more involvement in the education spheres with the likes of the knowledge
26:51
you have there.
26:52
Do you, do you, do you have the curve sharing?
26:54
I do, but it's a curve.
26:55
Yes.
26:56
And this is you business.
26:58
Yeah, it's going to be an inter-educational level.
27:00
Definitely, yeah.
27:01
For the younger you can learn this the better, definitely.
27:03
What about you, Dad?
27:04
What do you think was something you wanted to teach me about money or tried to teach me?
27:08
Well, I think...
27:09
When I think back, I think you're granny at you and started your bank accounts.
27:13
Yes, I do remember that, actually.
27:15
And I'm sure she would have put in that account at the same time
27:21
if she opened it for you to start you off.
27:24
I was like, is all bank accounts like this?
27:25
You open them and there's like $1,000.
27:27
It's kind of what I mean, though.
27:29
So can we save it?
27:30
Oh, no, not anymore.
27:31
I think she put $500 in, which is huge.
27:33
Amazing.
27:34
Amazing.
27:35
You know, I remember, it was like the $200 or $500, I might be adding GSTs to the story,
27:39
but it was like decent.
27:40
Wow.
27:41
Really?
27:42
Yeah.
27:43
And I don't want to bother with it as well.
27:44
Yes, same here.
27:45
But I remember my...
27:47
I think one of the things for me growing up, going to a school that was incredibly affluent,
27:53
and I was always surrounded by people that had so much more than we did at home
27:57
and in all areas, I was always comparing myself to the people around me,
28:02
which is totally natural as a kid, and tell me if this is wrong.
28:05
But the idea of trying to teach me that different people have different amounts of money
28:09
was kind of like something that I remember mum saying that she was trying to instill.
28:13
Like, everyone has different amounts of money.
28:16
Like, it's not an equal playing field.
28:18
Like, this is what you've got someone else is different.
28:20
Absolutely.
28:21
It's a hard thing to teach a kid because it's like, well, why can't I have what I can't have?
28:24
But I mean, the point is too.
28:26
You're either a surgeon or you're doing whatever.
28:32
But I mean, everybody obviously has played differently, and that's something that a kid
28:36
who hasn't even gone to university yet is quite hard to instill.
28:39
You don't even know what you want to do yourself at that stage.
28:42
So trying to instill what other professions pay down the track.
28:49
I guess the question would be to Vic, what initially got you interested in going to do finance?
28:57
I mean, that picking that vocation rather than, you know,
29:02
so picking, you know, going down broadcasting.
29:05
Oh, so it's my fault that I don't have very good money.
29:08
No, no, I'm just interested.
29:10
No, I don't think there's a lot of pressure on a 17-year-old
29:15
if they're thinking of going to university, and we've done talks at universities.
29:19
And you can see the pressure in these kids that are like, oh my gosh,
29:22
if I choose the wrong degree, that's my train of the rest of my life.
29:26
And it's like, oh my gosh, it does not dictate what you do,
29:30
but use the time at university to kind of broaden your horizons and learn different things
29:34
and see what you do like and what you don't like.
29:36
And I definitely did that. I tried law, and I was like, oh gosh, this is definitely not for me.
29:39
I just literally fell into finance.
29:42
And it was a paper out of university.
29:44
And I was like, I resonated with the teacher.
29:46
I could see the concepts of what we were learning using the real day,
29:50
and using them in every day life.
29:52
I loved how businesses worked, and finance was kind of tied into that.
29:56
So it was kind of, yeah.
29:57
Perfect.
29:58
But I mean, I would love to go and learn psychology.
30:00
You know, you always kind of think back, what would you change?
30:04
Or what would you like to do differently?
30:06
But I don't know, I can always, always can.
30:08
Also, what do you think?
30:10
How do you think money was talked about in our family growing up?
30:12
Like, was it a feeling of stress?
30:14
Was there a feeling of not enough?
30:16
Because even if you don't directly talk to the kids, you pick up on the kind of energy.
30:18
Well, I mean, I remember back to my father, my dad basically was a professional medical.
30:26
And he was a surgeon.
30:30
So basically, I did not hear that.
30:32
So he, but I remember many times saying that the cost of going to school was a lot of money,
30:40
and he needed to work hard to do it.
30:44
And I remember, you know, he was also very practical.
30:48
So at home, we would do a lot of the things ourselves.
30:52
I mean, dad, he built all the drive, I'm conquered at the drive,
30:57
and did all the walls, and did the fish ponds did everything.
31:00
I mean, he was really good with the sands.
31:02
So I kind of learnt that skill.
31:06
To do rather than to pay someone else to you.
31:08
To do rather than pay somebody.
31:10
You're like that.
31:12
Well, I was going to say, because I reckon I've fully picked up on that.
31:14
Like, Vix had to really instill in me.
31:16
Like, your time might be better spent doing this.
31:18
Yeah.
31:19
Rather than spending an hour doing this.
31:21
Like, just outsource that 35 dollars an hour to start.
31:23
Like, even yesterday, I got home and dad and Kath has why.
31:27
I had to spend the entire day trimming hedges.
31:29
And I was like, why would you not pay someone to go do that?
31:32
You know, like, you want a hedge trimmer.
31:34
I have a hedge trimmer.
31:35
You're kidding me?
31:36
It's not a job.
31:37
But that's kind of what I mean.
31:38
It's like, why would I outsource that?
31:39
Why would I pay for it?
31:40
Which I do understand.
31:42
But I think there was almost like the scarcity mindset around not paying for things.
31:48
And forgive me if it sounds super brutal.
31:50
But like, that definitely has felt growing up inside our family too.
31:53
I was like, there was this feeling of, we don't have enough.
31:58
And therefore, we have to actually scrounge around a little bit in terms of, you know,
32:02
oh, no, that's super expensive.
32:04
Or no, there was always kind of a save a dollar element that I felt as a kid.
32:09
And that's definitely how I am now with money.
32:12
Which is a good thing as well, though.
32:14
You don't want to be out there in the world not knowing the value of a dollar.
32:19
And having going into life with that frugal mindset, or at least an element of it,
32:24
I think is super important.
32:26
Otherwise, I end up in way worse situations where you think that you can just get by with money coming in.
32:33
And I don't know.
32:34
I just think it's not a bad thing.
32:35
I mean, people who go out and use their credit cards.
32:37
And if you go and spend money and suddenly realize they're in debt and then have a real issue.
32:42
But I think though I have done that, firstly.
32:46
And should we talk about that?
32:50
Yeah.
32:51
Basically, I was in, like, do you remember the Christchurch earthquake?
32:55
I lost basically all of my stuff.
32:58
We just moved from me into a flat.
33:00
I mean, there was like a week before.
33:02
I was there a week before the earthquake.
33:04
And then the earthquake happened.
33:05
We got curtains, we got TVs, we got microwaves.
33:08
We got everything for her to set her up for the year.
33:13
And a week later, basically, they had the Christchurch earthquake.
33:16
The earthquake was caught in it as well.
33:17
Yeah, yeah.
33:18
And she, I remember, so I didn't get back into her flat for about, I think, about nine months.
33:24
It was ages.
33:25
And it kind of looked like it was a veranda when you went back in.
33:28
That all the walls had gone.
33:30
It was everything was moldy.
33:31
But she, I'll always remember.
33:34
So she rang us up and said, oh gosh, this is terrible.
33:37
I need to get out and she, so she caught out.
33:39
We got her out in the next day.
33:41
I think we flew you back to Auckland.
33:43
And she said, you know, I'm, I'm, maybe she's friends,
33:46
or I think I need to go to stay with my friend and Melbourne and recuperate.
33:51
We said, hold on, okay, hold on.
33:53
I might need to go to a tropical island in Fiji.
33:55
It's just like, just get rid of the stress.
33:58
Hold on, hold on, hold on.
33:59
In my defense, I literally got on the plane with what I was wearing.
34:01
Like, everything I had, all my clothes were stuck in this flat.
34:04
So I genuinely actually had the clothes on my back.
34:07
Yeah.
34:08
So, so I tried to get a credit card for her before, before she left.
34:12
But unfortunately, I, there wasn't enough time.
34:15
So I had to give her an auxiliary card of mine.
34:18
So I said to her.
34:20
Can you explain for anyone that doesn't know that name?
34:22
An auxiliary card, basically, is on my account.
34:24
Like a second.
34:25
So whatever it gets spent on that card, basically,
34:27
is goes on my account to my limit, which at that point was $20,000.
34:31
So I said to my darling daughter, darling, I want you to go
34:35
and I want you to spend $3,000 and get the essentials
34:38
until the insurance comes through.
34:40
Well, I think it was about $18,000 later.
34:44
My daughter stopped spending.
34:47
So, honestly, was that $3,000 per time that she used the card?
34:53
Yeah.
34:54
Yeah.
34:55
It's a small price.
34:56
It's a small price.
34:57
It's a small price.
34:58
It's a small price.
34:59
But I was quite specific.
35:02
And that you can imagine just totally believe me.
35:05
How did you spend?
35:06
I couldn't even spend that now, little loan at that age
35:10
when everything belonged to me.
35:12
Please do tell me, because I haven't had any experience.
35:14
So it was things like, you know, I was like,
35:16
oh, this is a cute little mini leather skirt for $600.
35:19
I'll get that.
35:20
Like who?
35:21
I'm sorry.
35:22
Like what?
35:23
An absolute essential as well.
35:25
I know.
35:26
Mini leather skirt.
35:27
It's essential.
35:28
So bad.
35:30
So I worry about toilet trees under where anything I don't care.
35:32
I honestly can't tell you.
35:34
Like, and that's why I'm like, I kind of can laugh at it now sort of.
35:37
I mean, we ended up getting insurance, thank God,
35:39
because if we didn't, there's no way.
35:40
I don't know.
35:41
$18,000 in insurance?
35:42
Yeah, yeah.
35:43
We got content insurance.
35:44
Yeah.
35:45
Oh, my God, amazing.
35:46
I think maybe I thought, well, we have content insurance.
35:47
So I just sort of, yeah, went for it.
35:49
But still unbelievably disconnected from how much equals,
35:55
like unbelievable.
35:56
But I don't know, Dad, I was thinking about this
35:58
before the podcast.
35:59
I was like, OK, how do I think about money and then how?
36:02
Because you have never, you would never really like saving
36:05
or investing when we were younger, right?
36:07
Like it was very much, get your money and spend what you have.
36:10
Well, the issue is the business was going really well at that stage.
36:14
I remember buying, we bought your mother a new car,
36:17
and we sent three children off to private schools.
36:21
That itself would be cool.
36:25
So that was a realization when, you know,
36:29
the business wasn't going so well.
36:30
Wasn't going so well at it.
36:32
Yeah, made it a little difficult.
36:34
A little difficult, I think, is being very light on the situation.
36:37
So there was obviously a lot of family stress around keeping up
36:40
with the Joneses kind of, like we've committed to this lifestyle
36:43
and shit now.
36:44
So there was never really conversations about saving or investing
36:47
because it was just trying to keep up with what you decided
36:49
to spend your money on.
36:50
Yeah.
36:51
So that didn't do because I think that's why I spend money
36:54
without thinking, I'm not, sorry, I'm not blaming you.
36:57
I just mean that money I have, I just sort of spend
37:00
because I was, there was never any conversation around
37:04
what is investing, what is saving, what is GST?
37:07
Like, and I wonder if there's something to do with, like,
37:10
but do you just have a light bulb moment where,
37:14
I mean, I've always tried to say that to you,
37:17
but there seemed to be a light bulb moment where you,
37:20
and I think in you at the stage were in Australia at that stage,
37:23
and I said to you, and you suddenly realized that
37:27
it wasn't all about going out of breakfast lunch in dinner
37:30
or doing what you wanted to do, but to put some aside.
37:34
And I think from that point, I think,
37:37
I don't know whether it was a house you were thinking at the time,
37:40
or what it was.
37:41
No, sorry, I always think that you've been quite good
37:44
in that respect of, like, once you set things up,
37:48
you stick to them.
37:49
Yes, you know, like, religiously without a fault.
37:52
Well, see, this is kind of what I was about to say,
37:54
and it's so interesting, and this is the whole all-or-nothing thing.
37:57
And I think this is since I've realized that I have ADHD,
37:59
it's the idea of I can go really extreme or really the other way.
38:02
So at that turning point, I was like, I want to save,
38:06
but I couldn't find, I didn't have the skills or knowledge
38:09
to find the balance of, like, okay, well, how do I do that
38:12
while also living my life?
38:13
I would bulk by porridge and make it for two weeks in advance
38:17
and give myself porridge every meal for two weeks
38:20
and an effort to save money, but wouldn't buy a coffee out,
38:23
like turned into the stingiest person in the whole world
38:25
because I didn't know the balance.
38:27
You know, so it was either, like, spend everything,
38:29
or DIY, bring, you know, my packed lunch
38:34
to a lunch that everyone's going out for.
38:36
You know, I just, I couldn't, there's no middle ground.
38:38
Yeah, there's no middle ground.
38:39
And so what you're talking about in terms of being really rigid
38:41
and being able to stick to it, yeah, I can't.
38:43
If I set my mind to something, I'm like, I will do it 100%.
38:46
Yeah.
38:47
But if I don't, but because I never really had that structure
38:50
or tools or know how to implement it in a way that was healthy,
38:54
it just kind of meant that I was constantly yo-yoing from,
38:57
like, just spend it all to, like, shit.
38:59
I cannot save it all.
39:01
No budget, basically, not putting a budget together.
39:03
Yeah, like the flow in and out was never,
39:05
I never had any plans around that
39:07
or education as to how to even do it.
39:10
I mean, do the kids, even at school nowadays,
39:12
have that kind of budgeting experience?
39:15
Actually, this is saying I think it really does come down
39:17
to the parents.
39:18
Like, I don't think that, I think we're more,
39:20
more product of our parents than we realise.
39:22
Yeah.
39:23
And I think that a lot of people realise,
39:25
but I'm adopted so this might be so.
39:28
But yeah, like, I would say if I looked at my parents,
39:33
they're, like, even the other day, we went to the supermarket.
39:36
Dad was like, you wouldn't believe it.
39:38
I found her.
39:39
The watermelons were $12 for these giant watermelons.
39:41
So we went to the supermarket, picked up watermelons.
39:44
Kath jumps out, goes, this is Dad's wife,
39:46
gets a watermelon, comes back in,
39:48
and she'd found a tiny watermelon.
39:50
Was the last watermelon?
39:51
Yeah.
39:52
And it was the smallest one.
39:53
So you've got to be joking, $12 for that.
39:55
So Dad, honestly, was like,
39:57
making such a fuss about this tiny watermelon for $12.
39:59
That Kath, honestly, was halfway out the door
40:01
to return the watermelon.
40:03
And I was like, are you joking?
40:05
I just paid for both of your dinner.
40:06
Like, just think of it as a free watermelon.
40:08
Yeah, yeah, yeah.
40:09
Come on, but like, because I had that suspected now,
40:12
I could say that.
40:13
And both of them might.
40:14
Oh, yeah.
40:15
It's kind of a good way of thinking about it.
40:16
All right.
40:17
Keep it a little more.
40:18
Do you also think it's a generational thing, though, as well?
40:20
Like, do you think just being a bit more conscious of money
40:23
and slowly through the money?
40:25
Well, from her parents, it is.
40:26
Well, certainly.
40:27
That's what I mean.
40:28
For them, they were even more so.
40:29
So do you think our, our kids are going to be like,
40:31
woo, you know, just a bit like,
40:33
not even having here in the world.
40:35
I don't know.
40:36
Like, I feel like there's different generations
40:39
that you kind of lose a bit of that frugal mind.
40:43
See it a bit?
40:44
I don't know.
40:45
No, I think your knowledge and experience
40:48
of how to manage money matures over time.
40:52
Yeah.
40:53
How early can you start that mature growth
40:55
or maturing process?
40:56
You know, but it is an informational thing, I think.
40:58
So the more information that presented in the right way
41:02
at the right age group will give them more knowledge
41:06
about how to manage money.
41:07
I see.
41:08
So you were taught at later in life.
41:09
Absolutely.
41:10
Yeah.
41:11
I mean, yes.
41:12
I was well into my 40s before I actually started getting enough
41:17
badgering from my dear I lean about managing money.
41:21
But I wish I was into my 40s before.
41:23
Was you badgered me about money?
41:25
Well, there you go.
41:26
No, I wouldn't say.
41:27
It's moving back down in terms of generation.
41:32
But also maybe that just comes down to the fact that
41:34
talking about money as well has been so taboo and awkward
41:36
for everybody up until I mean, it still is.
41:39
Even like even our friends hardly talk about it with each other.
41:42
We're slowly trying to start that conversation.
41:44
But maybe at the point where it does become so normal,
41:47
we will be talking about these things at the dinner table
41:50
at five years old opposed to because if I look at the people
41:53
who are amazing with their money,
41:54
it is those that have had it modeled early.
41:57
So either the parents have been in business or in finance.
42:01
So they've just been around the conversation forever.
42:04
It's just normal.
42:05
I think unless you have it around you, you just talk.
42:09
Honestly, it wasn't until we started the curve
42:11
that I even knew what a stock was.
42:12
I was like, I want to talk to my kids about that
42:14
when they're really young or tax.
42:17
I mean, I still don't even really understand tax.
42:19
Neither.
42:20
Okay, that's not.
42:21
But do you want to hear?
42:24
I think it's also the school system needs a big shakeup.
42:28
It's like we get tall, trigonometry, and Pythagoras.
42:31
And we don't get taught.
42:32
Yeah.
42:33
Texas is how to rate a contract or budgeting or all of that.
42:36
So what would be one thing you wish you had taught us
42:39
or you wish you'd done differently
42:41
with us when we were younger in terms of money?
42:44
I don't know.
42:45
I think as issues were raised, we dealt with them.
42:47
I don't think we didn't avoid anything.
42:49
Yeah.
42:50
It could be done something better.
42:51
Could we explain things better earlier?
42:53
Yes, probably.
42:54
But I'll say that's that generational thing
42:56
that you're going to take it to a younger generation now
42:59
and not earlier.
43:00
The way you did with a lot more information.
43:03
And I think it's just talking about the whole process
43:06
and understanding it more of money management.
43:10
That's probably great.
43:11
I mean, I don't think we could have, we would have changed.
43:14
I mean, my mother was in a stock group
43:17
and actually, it's what she was a group of her girlfriends
43:21
and they did it.
43:22
No, I mean, I saw that.
43:23
But I guess it wasn't a situation to be able to do that.
43:28
But did she talk to you about investing?
43:30
I remember being at home when she had a group of girlfriends around
43:36
and they talked about stocks and each of them researched.
43:42
That doesn't necessarily mean to say that I become a stock person.
43:46
Yeah, see, that's interesting.
43:47
You did have it around you.
43:48
You still didn't learn.
43:49
Sorry, Ethis.
43:50
Yeah.
43:51
I think what you guys are doing as far as Ian said
43:55
that they are being exposed to it,
43:58
even if it's in their late teens and early 20s,
44:01
I think it's just the ideal time
44:03
because that's the start of the journey
44:05
and that's when you need to realize
44:07
that you need to put money aside as well as spend money.
44:10
So I think you guys are doing a great job.
44:13
Do you know how you sound?
44:14
I really want the funny story for we finish.
44:16
When I first told Dad about what the curve was,
44:18
he was like,
44:19
have you heard of sorted.co.nz?
44:21
There's actually another business.
44:23
If you just click Google sorted and I was like,
44:25
Dad, that's not what I'm trying to.
44:26
Well, there's already things like that.
44:27
And I was like,
44:28
no, Dad, I think you're just going to have to think
44:30
I've got a shit idea for now.
44:31
And then, you know, just maybe in any way he came back
44:34
and he was like,
44:35
can I take it back?
44:36
The curve's quite a clever idea.
44:37
Quite a clever idea.
44:38
But I want to say,
44:39
I just want to finish on the fact that,
44:40
well, we are half of you both.
44:42
And we wouldn't be able to do this
44:44
literally without you here.
44:46
So technically,
44:47
you should be very proud of yourselves and us.
44:51
But you know, like it's kind of,
44:53
yes, you did your best that you could with us.
44:55
And we've passed it on.
44:56
And now we're going to do the best that we can
44:58
without kids, hopefully one day.
44:59
So, yeah.
45:00
That's the fact.
45:01
It's really cute.
45:02
Beautiful.
45:03
Oh, thank you guys.
45:04
Well done.
45:05
Yeah, nice to meet you.
45:06
It's been most enjoyable.
45:07
At session two,
45:08
we'll come up with some real good ones.
45:10
Yeah.
45:11
It's a party shirt.
45:12
We should all wear a party shirt.
45:13
Yeah.
45:14
We love that.
45:15
Thank you.
45:16
Thanks for coming.
45:17
And I know neither of you wanted to do this.
45:20
I think we're probably more easily swayed than you believe.
45:22
Yes.
45:23
Yeah.
45:24
You love us so you have to.
45:25
Daddy's the little girl.
45:26
Yeah.
45:27
Good question.
45:28
Oh, thank you.
45:29
Oh, good.
45:30
Thank you so much for listening to Raising the Curve.
45:33
These conversations are designed to teach you
45:35
everything that you need to know to be better
45:37
with your money,
45:38
from saving,
45:39
to investing,
45:40
to talking to your friends about your salaries.
45:42
And if you liked what you heard, we would love it.
45:44
If you could hit subscribe button, please.
45:46
Yes, please.
45:48
Leave a review.
45:49
It'll take five seconds.
45:50
And it would really make our week, our year, our month.
45:53
Okay.
45:54
Lots of love.
45:55
See you soon.
45:56
Bye.