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She Feared Spending, Avoided Investing & Saved Obsessively—Until Everything Changed · She's On The Money

0:00
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr
0:04
Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before
0:08
Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
0:14
Speaker 1: of which this podcast is recorded on a wondery country,
0:18
Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.
0:23
Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
0:27
Speaker 1: the storytelling of you to make a difference for today
0:30
Speaker 1: and lasting impact for tomorrow.
0:33
Speaker 2: Let's get into it.
0:34
Speaker 3: She's on the Money, She's on the Money.
0:57
Speaker 4: Hello, and welcome to She's on the Money the podcast
1:00
Speaker 4: let's you be pervy about other people's money habits for
1:03
Speaker 4: educational purposes of course. Welcome back to another one of
1:07
Speaker 4: our money daries where I get the absolute pleasure of
1:10
Speaker 4: sitting down with one of our incredible She's on the
1:11
Speaker 4: Money community members and chatting to them all about their
1:14
Speaker 4: money story. So let's jump straight into it, because this
1:17
Speaker 4: week I got an email and it sounded exactly like this,
1:20
Speaker 4: Dear She's on the Money. Five years ago, my husband
1:23
Speaker 4: and I and our three fur babies were searching for
1:25
Speaker 4: our first home amidst the global pandemic and uncertainty of
1:29
Speaker 4: the COVID pandemic. Fast forward to now and we are
1:32
Speaker 4: coming up on our five year house adversary. But the
1:35
Speaker 4: house is much busier and messier because our two beautiful
1:39
Speaker 4: daughters have joined us. It's been an interesting time navigating
1:43
Speaker 4: our respective careers IVF, becoming parents, and having very different
1:47
Speaker 4: financial upbringings. But She's on the Money has helped us
1:51
Speaker 4: to find the right balance between my scarcity mindset and
1:55
Speaker 4: my husband's las A fair approach to money. Money, Doris,
1:58
Speaker 4: welcome to the show.
2:00
Speaker 2: Thank you for having me.
2:01
Speaker 4: Oh my gosh, I'm really excited about this. I can't
2:04
Speaker 4: wait to talk about your babies, all like five of them,
2:06
Speaker 4: because there's five now. So before we get there, I
2:10
Speaker 4: want to ask what grade would you give your money
2:12
Speaker 4: habits If I asked you to give them a grade
2:14
Speaker 4: from A through to F.
2:15
Speaker 2: I'd say at the moment, maybe a B minus.
2:18
Speaker 4: Oh we'll be minus. Let me write that down so
2:21
Speaker 4: I've got some notes for later. Money, dear, is now
2:24
Speaker 4: my favorite question of all time. Can you tell me
2:27
Speaker 4: a little bit more about your money story?
2:29
Speaker 2: Yeah, of course. So I guess my attitude towards money
2:33
Speaker 2: is that, you know, I love money. Who doesn't love it?
2:36
Speaker 5: Same queens, same Let's just be honest here.
2:38
Speaker 2: Yeah, it provides, you know, security for me and my
2:41
Speaker 2: family and allows me to give them a really happy
2:44
Speaker 2: and comfortable life. But at the same time, I was
2:47
Speaker 2: very much raised that money is something that has to
2:51
Speaker 2: be earned, you have to work hard for. It doesn't
2:53
Speaker 2: grow on trees, that kind of mind frame for my parents,
2:57
Speaker 2: and I think because of that, I have developed bit
3:00
Speaker 2: of a scarcity mindset that sort of joined me in
3:04
Speaker 2: my adulthood.
3:05
Speaker 4: And do you think that that is something that's like negative,
3:07
Speaker 4: because sometimes scarcity mindsets are positive because you're able to
3:11
Speaker 4: save more and be productive. Or is your scarcity mindset
3:15
Speaker 4: more something that you're like, oh, this is actually limiting
3:17
Speaker 4: us and it's not helpful.
3:18
Speaker 2: I think a bit of both. I think I've always
3:21
Speaker 2: had a bit of a fear of getting into debt,
3:23
Speaker 2: so anything like the idea of a mortgage or anything
3:26
Speaker 2: like that was very scary for me. But at the
3:30
Speaker 2: same time, like you said, it has also meant that
3:33
Speaker 2: I'm a good saver and when I have financial goals,
3:37
Speaker 2: I'm able to work towards them. Yeah, so a bit
3:40
Speaker 2: of both.
3:41
Speaker 4: I love that you know that, like, because it's nice
3:43
Speaker 4: to have that understanding of like who you are and
3:47
Speaker 4: what that means. So I want to know more because
3:49
Speaker 4: obviously grew up with a scarcity mindset. Tell me more
3:53
Speaker 4: about your money story, what does life look like for you?
3:56
Speaker 2: So now I guess we have a house and I
3:59
Speaker 2: have my family. So I'm a wonderful, wonderful husband. But
4:04
Speaker 2: he doesn't have the same scarcity mindset as me. He
4:07
Speaker 2: has very much an abundance mindset, and I think that's
4:10
Speaker 2: probably because he had a little bit of it.
4:12
Speaker 4: The opposite's always attract right, Yeah.
4:16
Speaker 2: Yeah, we balance each other out, I think, and I
4:19
Speaker 2: have adopted some of his habits. There was once upon
4:21
Speaker 2: a time where I would never pay for convenience, But
4:25
Speaker 2: my husband's always like, if we have the money to
4:27
Speaker 2: afford something so that we don't have to do something
4:29
Speaker 2: that we don't want to do, why not. Whereas previously
4:33
Speaker 2: I would be like, oh no, I can just do
4:35
Speaker 2: it myself and save myself the money. Yeah, but he's
4:39
Speaker 2: very much like, if you don't feel like cooking, we
4:41
Speaker 2: can buy dinner, Like that is.
4:43
Speaker 4: Okay, and you're like that is a very foreign concept
4:47
Speaker 4: to me, but also I will welcome that.
4:50
Speaker 2: Yeah. Growing up, like, I cannot remember a time where
4:53
Speaker 2: during the week, for example, my parents would have ever
4:56
Speaker 2: bought takeaway for dinner.
4:57
Speaker 4: Oh no, neither, like that didn't like take away. It
5:00
Speaker 4: was like I don't know, like not even once a month.
5:03
Speaker 2: Yeah, it was a real treat.
5:04
Speaker 5: Yeah, Like and I remember I don't know.
5:06
Speaker 4: Side note, I remember kids being like, oh, it's Friday,
5:09
Speaker 4: and I'd be like cool, and they'd be like, we're
5:12
Speaker 4: having takeaways takeaway night. And I'd be like, oh, we
5:14
Speaker 4: don't have a takeaway night, Like that's not a thing.
5:18
Speaker 4: Like we might have Mum's bowlin aise or something like,
5:22
Speaker 4: but not not takeaway.
5:23
Speaker 5: That's wild.
5:24
Speaker 2: Yeah. I remember like on the last day of school
5:27
Speaker 2: term we would get like takeaway for dinner and that
5:30
Speaker 2: was like a big thing.
5:31
Speaker 5: Yeah, because you're celebrating.
5:33
Speaker 2: Yeah, it was always reserved for a special occasion. But now,
5:37
Speaker 2: you know, having two little kids and sometimes you get
5:39
Speaker 2: home from work and you just feel flat out and
5:41
Speaker 2: you don't want to have to cook before going through
5:43
Speaker 2: the whole you know, bedtime routine. We just you know,
5:47
Speaker 2: we'll grab something on the way home. And for me
5:50
Speaker 2: it took a long time to adjust to that because like, oh,
5:53
Speaker 2: that's so expensive.
5:54
Speaker 4: But sometimes that's like what life's little luxuries are about,
5:58
Speaker 4: and like we're luxury of having a calm evening.
6:02
Speaker 5: Now that I am a parent, I get it.
6:04
Speaker 2: Yeah, And you can just get home and you can
6:07
Speaker 2: actually sit down with them and have that little moment
6:10
Speaker 2: of you know, connection with your kids before actually having
6:14
Speaker 2: to get into that routine, rather than you know, getting
6:16
Speaker 2: home immediately popping them in front of the TV or
6:18
Speaker 2: something so that you can quickly whip up something for dinner.
6:21
Speaker 5: Totally.
6:21
Speaker 4: So I want to know a bit more about you
6:25
Speaker 4: and your husband and what's going on. But to do that,
6:28
Speaker 4: I want to know, like how much do you earn?
6:31
Speaker 4: What do you do for work?
6:32
Speaker 2: Yeah? So I work at a university as a professional
6:36
Speaker 2: staff member. So my salary is one hundred and nine
6:40
Speaker 2: thousand year plus seventeen percent super.
6:44
Speaker 5: Oh that's so sexy.
6:45
Speaker 2: Yeah it's good. But at the moment I only work
6:48
Speaker 2: four days a week, so pro rata.
6:50
Speaker 5: And what does your husband do.
6:51
Speaker 2: He's a civil design engineer.
6:53
Speaker 5: Oh, very fancy, Yeah, and he.
6:55
Speaker 2: Earns one hundred and sixty six thousand dollars.
6:58
Speaker 5: Yeah, one sixty six and super on top of that.
7:01
Speaker 2: Yeah, plus the eleven point five percent.
7:03
Speaker 5: Oh very nice. So you have a night like a
7:05
Speaker 5: nice household income.
7:07
Speaker 2: We do, we do. It's I guess a lot more
7:10
Speaker 2: money than I have expected to earn, coming from like
7:13
Speaker 2: a regional town and knowing my parents' salaries when you know,
7:17
Speaker 2: I was growing up, it seems like an exorbitant amount
7:20
Speaker 2: of money. But now that we earn, you know, quite
7:23
Speaker 2: decent salaries, I don't know how we could not, if
7:26
Speaker 2: that make sense.
7:27
Speaker 4: Yeah. Yeah, it's funny how your entire lifestyle adjusts completely,
7:32
Speaker 4: Like and it's not just the little luxuries, right, it's
7:34
Speaker 4: just life is expensive, like in general, Like I feel
7:38
Speaker 4: like one hundred thousand dollars. I remember back when I
7:41
Speaker 4: got my first job, and one hundred thousand dollars was
7:45
Speaker 4: like my goal. One day, I wanted to earn one
7:47
Speaker 4: hundred grand because like six figures, my goodness, Like that
7:51
Speaker 4: was like my goal, and I thought that that would
7:55
Speaker 4: mean that I would be rich. And you know, at
7:58
Speaker 4: the time if back then, I think it was like
8:00
Speaker 4: twenty ten, twenty and eleven, if I was earning one
8:03
Speaker 4: hundred that.
8:04
Speaker 5: Was good, good, good money.
8:05
Speaker 2: Yeah, you probably would be rich, but yeah.
8:08
Speaker 4: Yeah, And nowadays I feel like one hundred thousand dollars
8:12
Speaker 4: just does not stretch as far, and like very aware
8:15
Speaker 4: that that's an entitled thing to say, and lots of
8:16
Speaker 4: people listening to money diaries are going to earn more
8:19
Speaker 4: or less and like that's okay, But it's just money
8:21
Speaker 4: doesn't stretch in the same way that it used to.
8:24
Speaker 4: And I feel like, had you said in like let's
8:27
Speaker 4: even say like twenty ten that was your household income, whoa.
8:32
Speaker 4: But nowadays I'm not saying it's not impressive. It's very impressive.
8:35
Speaker 5: It's just not stretching the way it used to do.
8:38
Speaker 2: Yeah, I agree, So.
8:39
Speaker 5: Talk to me more.
8:41
Speaker 4: I want to know, obviously, good income, two young kids.
8:44
Speaker 4: I'm assuming that financially having kids, because you did mention
8:48
Speaker 4: you went through IVF was a bit of a burden.
8:51
Speaker 4: I want to know what are your current big money goals,
8:53
Speaker 4: what are you currently working towards.
8:55
Speaker 2: So I guess, leaning back into that scarcity mindset, a
8:59
Speaker 2: lot of me just wants to pay down our mortgage.
9:01
Speaker 2: That's a big money goal for me. Originally, I want
9:05
Speaker 2: to pay it off my mortgage by the time I
9:07
Speaker 2: turn forty, which is only five years away now, and
9:10
Speaker 2: I just don't think that's realistic, but I'm stretching that
9:13
Speaker 2: out to forty five if I can pay off the mortgage.
9:16
Speaker 5: Have you spoken to like a mortgage broker about a
9:18
Speaker 5: strategy to do that.
9:20
Speaker 2: I haven't recently, No, but it is on the goal
9:24
Speaker 2: card for this year, is to reach out and look
9:26
Speaker 2: at refinancing, well.
9:28
Speaker 4: Not even just refinancing, just like even a strategy session
9:31
Speaker 4: with a mortgage broker to be like, hey, like we
9:34
Speaker 4: actually want to pay this off in this period of time,
9:36
Speaker 4: because usually when we sit down with a client and go, oh, well,
9:39
Speaker 4: what's the plan, we're not talking about paying it off earlier.
9:42
Speaker 4: We're like, okay, here, like manageable repayments. This is what
9:45
Speaker 4: this means. Like, there are lots of ways you can turbocharge,
9:48
Speaker 4: like paying off your mortgage, even things like making sure
9:51
Speaker 4: that you're making weekly payments to your mortgage instead of
9:53
Speaker 4: monthly payments because interest a cruise daily like that can
9:56
Speaker 4: have an impact. And you know, if you're being really
9:59
Speaker 4: aggressive about it, it like we can.
10:01
Speaker 2: Plan yeah, I actually we do have it set up
10:04
Speaker 2: so that we pay weekly. I did change that a
10:06
Speaker 2: couple of years ago.
10:07
Speaker 5: So you're super savvy already, you don't even need us.
10:10
Speaker 2: I do because I think for a long time there
10:14
Speaker 2: were things that I was just like, Nope, that's not
10:16
Speaker 2: for me, Like, for example, investing, I just I wasn't
10:18
Speaker 2: literate when it came to investing. And I think the
10:21
Speaker 2: Shees on the Money podcast and your first book really
10:24
Speaker 2: helped me recognize that scarcity mindset and start taking steps
10:29
Speaker 2: to rethink some of those mindsets that I had around
10:33
Speaker 2: you know, no, investing is just not something that I
10:35
Speaker 2: will ever do because it's.
10:36
Speaker 5: Too risky, it's too scary.
10:38
Speaker 4: Yeah, And I feel like that scarcity mindset, honestly, it
10:41
Speaker 4: can be really helpful, like it can be really helped,
10:43
Speaker 4: but it can be detrimental as well. Like I think
10:45
Speaker 4: sometimes you don't realize that by having a scarcity mindset,
10:49
Speaker 4: you're actually putting yourself behind financially because you're not able
10:52
Speaker 4: to step forward.
10:53
Speaker 5: Like, yes, you're really good.
10:54
Speaker 4: At saving, but if you don't invest, like you're not
10:57
Speaker 4: actually putting future you in the best possible position. And
11:00
Speaker 4: I just love that You're like, no, I really need
11:01
Speaker 4: to push through that, but like, I understand why, because
11:05
Speaker 4: try explaining to someone who doesn't have a lot of
11:07
Speaker 4: financial literacy why savings isn't a great option, Like you're
11:11
Speaker 4: going to go no, I feel super secure. What are
11:14
Speaker 4: you talking about, You've got rocks in your head. I'm
11:16
Speaker 4: not going to risk.
11:17
Speaker 5: Its like gambling. And you're like, oh, actually it's not.
11:21
Speaker 4: But I can see where you're coming from or why
11:22
Speaker 4: that might be the case.
11:24
Speaker 2: It's exactly what I used to think. I used to
11:26
Speaker 2: compare investing to gambling.
11:28
Speaker 5: Which is so fair.
11:29
Speaker 4: Like if you don't know, you don't know, but now
11:33
Speaker 4: you know more, You're like, oh, now I'm interested.
11:35
Speaker 5: This is so annoying.
11:36
Speaker 4: It's going to take up some of my time, but
11:38
Speaker 4: hopefully you'll retire really rich.
11:40
Speaker 2: So you're welcome, fingerscrussed, and thank you.
11:43
Speaker 4: So tell me, have you got any other big money goals?
11:45
Speaker 4: Like we want to pay down the mortgage, ideally by
11:47
Speaker 4: forty five, which is very sexy. But tell me a
11:50
Speaker 4: bit more about what that looks like.
11:52
Speaker 2: Well, my husband and I we have joints for finances,
11:55
Speaker 2: so we kind of share our money goals, and I
11:57
Speaker 2: think this year he may have the opportunity need to
12:00
Speaker 2: buy into his company. So it's a private company that
12:03
Speaker 2: he works for, and he looks like he'll get a
12:06
Speaker 2: promotion and as part of that, he might get an
12:08
Speaker 2: opportunity to buy in, which scares me a little bit
12:11
Speaker 2: because I don't necessarily know all the financial side of
12:14
Speaker 2: things as to you know, what those numbers are going
12:17
Speaker 2: to look like. But at the moment, we're kind of
12:19
Speaker 2: keeping a bit of our savings aside for that. But
12:23
Speaker 2: that may involve I'm not sure our business loan or
12:25
Speaker 2: something like that, or setting up a trust.
12:28
Speaker 4: I was about to say, how do you plan on
12:31
Speaker 4: funding that, Like do you think the buying in will
12:34
Speaker 4: be sufficient with your savings or do you think you'll
12:38
Speaker 4: need to reach out and like talk to a broker about,
12:40
Speaker 4: you know, securing a business.
12:42
Speaker 2: Loan, Like I think we will need a loan for
12:44
Speaker 2: the price tag that we might be looking at. I
12:46
Speaker 2: think it's possibly up to one hundred and fifty thousand
12:49
Speaker 2: dollars the buy in, and that's not something that we
12:52
Speaker 2: can afford with our current savings, and also we want
12:56
Speaker 2: to sort of protect our lifestyle.
12:58
Speaker 4: I was about to say, like, even if you had
13:01
Speaker 4: the savings, So I talk to people literally every week ish,
13:05
Speaker 4: not every day, but every week about like business loans
13:08
Speaker 4: and stuff like that. Like sometimes you just don't want
13:10
Speaker 4: to put your personal savings on the line. You're like, Okay, cool,
13:13
Speaker 4: I'm happy to get a business loan and work out
13:15
Speaker 4: what that means, and yeah, I'll pay interest on it.
13:18
Speaker 4: But at the end of the day, like I still
13:19
Speaker 4: have my savings if things are going south or you
13:22
Speaker 4: know what if the business isn't doing as well and
13:24
Speaker 4: I need to tip some more savings into, you know,
13:26
Speaker 4: my personal life. Like I love that flexibility that debt
13:30
Speaker 4: can help you with. And I mean it is a
13:32
Speaker 4: big mindset shift going from like, ah, I've got scarcity
13:35
Speaker 4: mindset and I'm not even sure about a mortgage to like,
13:38
Speaker 4: let's get a loan and buy into a business. Like
13:40
Speaker 4: there's a bit to work through there.
13:42
Speaker 2: Yeah, I haven't quite got there. But my husband is
13:45
Speaker 2: really keen because you know, he's really confident in the
13:48
Speaker 2: company that he works for. But obviously we need to
13:51
Speaker 2: seek out some financial.
13:52
Speaker 4: Advice or one hundred percent financial advice. And then when
13:55
Speaker 4: you're buying into a business, they will be or should
13:58
Speaker 4: be completely transparent about their financials and having an accountant
14:01
Speaker 4: look at it and just telling you, oh, this is
14:04
Speaker 4: good or not good, or here are some red flags,
14:06
Speaker 4: Like there are lots of convos to have, and I
14:09
Speaker 4: think right now it's really scary. But when you get
14:12
Speaker 4: to the end of those conversations, if everything is, you know,
14:16
Speaker 4: pointing in the right direction, that apprehension might actually turn
14:20
Speaker 4: to excitement and you're like, oh my gosh, Like it
14:22
Speaker 4: is a cool opportunity, Like it is an investment. It
14:25
Speaker 4: is something that we're willing to do, and like I
14:27
Speaker 4: wouldn't want you to do it if you were feeling
14:29
Speaker 4: the way that you're feeling now, Like we need education
14:32
Speaker 4: and we need to understand the numbers. So I feel
14:36
Speaker 4: like the situation you're in right now, being all bit
14:38
Speaker 4: suspicious is probably the best thing for you and your family,
14:41
Speaker 4: Like keeping it on track.
14:43
Speaker 2: Yeah, I think it's we're not writing off the table
14:46
Speaker 2: just yet, but I have my reservations at the moment,
14:49
Speaker 2: and it's something that I'd like to seek out further
14:52
Speaker 2: advice and feel a bit more comfortable before I sort
14:55
Speaker 2: of say, yeah, let's do.
14:56
Speaker 4: It one hundred percent. All right, money dist let's go.
15:00
Speaker 4: I had a really quick break on the flip side.
15:01
Speaker 4: I want to talk a little bit about investments, debt,
15:04
Speaker 4: best and worst money habits, but I also want to
15:06
Speaker 4: chat a little bit more about IVF if you'll let me. So, guys,
15:10
Speaker 4: don't go anywhere money diarist.
15:16
Speaker 5: We are back.
15:16
Speaker 4: You're coming up to your five year house adversary. Can
15:19
Speaker 4: you tell me a bit more about your home purchasing journey,
15:23
Speaker 4: Like how much did you save? Like was this a
15:26
Speaker 4: big conversation? I'm asking mainly because you said I was
15:29
Speaker 4: really apprehensive about a mortgage, but now you have one,
15:32
Speaker 4: so like what got you across the line.
15:33
Speaker 2: So I guess I always saw myself as a homeowner
15:37
Speaker 2: one day. I think it was just taking that step
15:40
Speaker 2: and putting ourselves into that much debt, like was very frightening.
15:45
Speaker 2: So we had I think we had about we had
15:49
Speaker 2: over ten percent of our purchase price in savings. We
15:54
Speaker 2: ended up buying our house for seven hundred and six
15:57
Speaker 2: thousand dollars, and we bought in March twenty So it
16:01
Speaker 2: was a really good time to buy because within sort
16:04
Speaker 2: of I don't know, a year, house prices in our
16:08
Speaker 2: area actually increased by almost twenty percent.
16:10
Speaker 5: Oh my goodness, I know.
16:12
Speaker 2: So we got a bit of equity in our home
16:15
Speaker 2: very very quickly, which was really positive.
16:18
Speaker 5: Yeah that's wild but also so cool.
16:21
Speaker 2: Yeah, yeah, so we definitely felt good in our decision,
16:24
Speaker 2: you know, after we'd purchased it.
16:26
Speaker 4: It's very validating when something like that happens. You're like, oh, like,
16:30
Speaker 4: you don't expect it to happen that quickly, but very nice.
16:33
Speaker 4: It makes me feel more secure, especially if you're apprehensive
16:36
Speaker 4: about the mortgage to begin with. So tell me, now,
16:38
Speaker 4: what's your house worth today?
16:40
Speaker 2: Probably close to a million dollars? Who were very nice,
16:43
Speaker 2: just under probably so we have, you know, increased equity,
16:47
Speaker 2: which is wonderful, but I think that's probably across the board.
16:50
Speaker 2: A lot of houses have increased in value in Rismon,
16:54
Speaker 2: and we currently owe four hundred and nineteen thousand.
16:59
Speaker 4: Hey, you guys are being very aggressive, aren't you.
17:02
Speaker 2: Yeah. It's particularly in like the first two years because
17:05
Speaker 2: we were sort of in COVID lockdown and when able
17:07
Speaker 2: to leave or travel or anything like that.
17:10
Speaker 5: You could actually just like focus.
17:12
Speaker 2: Yeah, and that was pre kids as well, So a
17:15
Speaker 2: lot of our money was just going straight to knocking
17:18
Speaker 2: down that mortgage, which felt really good. And then interest
17:21
Speaker 2: rates went up and that started to slow significantly.
17:25
Speaker 4: But that's okay because like that actually enables you a
17:27
Speaker 4: lot of opportunity and it probably makes you feel very
17:30
Speaker 4: secure going actually, Like I know, a mortgage can be
17:34
Speaker 4: really overwhelming, and I feel like it's most overwhelming at
17:36
Speaker 4: the start because it carries the most risk at the
17:38
Speaker 4: very start, right, Like what happens if housing prices drop,
17:41
Speaker 4: like and my house is worth less than what my
17:43
Speaker 4: mortgage is, Like, that's stressful. But once you're a fair
17:46
Speaker 4: few years in and you know equity ebbs and flows,
17:49
Speaker 4: knowing that you own an asset right now and you
17:51
Speaker 4: know you're paying a mortgage off, but if the proverbial
17:53
Speaker 4: hit the fan, you could sell it and there's a
17:56
Speaker 4: significant amount of money there. You kind of go, I
17:59
Speaker 4: feel secure, safe in this decision, which is so nice.
18:03
Speaker 5: But I want to ask a.
18:04
Speaker 4: Little bit more, be a bit pervy about your IVF journey,
18:06
Speaker 4: Like I don't think we talk enough about not just
18:09
Speaker 4: the journey, which is overwhelming.
18:11
Speaker 5: But about the costs.
18:13
Speaker 4: So you saved ten percent fruit deposit on your home,
18:17
Speaker 4: secure with that, and then you were like, we'd like kids,
18:20
Speaker 4: and IVF was the route you went out. That's not
18:22
Speaker 4: a cheap route, so talk to me about the decision
18:25
Speaker 4: making process around that.
18:26
Speaker 2: Well, I guess we got into our house and then
18:28
Speaker 2: straight away we're like, okay, the next step because we
18:31
Speaker 2: always saw ourselves as parents ever since we met, Like
18:33
Speaker 2: we met when we were like twenty one to you
18:36
Speaker 2: and yeah, and my husband always said he wanted to
18:39
Speaker 2: be a dad, and I knew that I always wanted
18:41
Speaker 2: to be a mom, and we just both were on
18:43
Speaker 2: the same page that we had to We wanted to
18:45
Speaker 2: get married and have our own home, so we had
18:48
Speaker 2: that financial security before we brought any kids into the world.
18:53
Speaker 2: And so we started trying in twenty twenty after we
18:57
Speaker 2: moved into our home, and it was taking a while,
18:59
Speaker 2: and then the following year we decided to see specialists.
19:03
Speaker 2: And we were very lucky in that we got in
19:07
Speaker 2: very quickly to see a specialist and she said, Okay,
19:11
Speaker 2: it's possible, you can have children. Let's just give it
19:14
Speaker 2: a crack, but we'll go straight to IVF. We won't
19:16
Speaker 2: muck around trying IUI and any other of the sort
19:19
Speaker 2: of lower cost options because we needed the IXY. What's
19:23
Speaker 2: that sorry, It's basically where they insert the sperm directly
19:27
Speaker 2: into the eggs like they physically do it, rather than
19:29
Speaker 2: putting them in the peatrie dish and letting it happen naturally.
19:32
Speaker 5: All right, Okay, I didn't even know that was a thing.
19:35
Speaker 6: Yeah.
19:36
Speaker 2: It's basically for like sperm that can't swim.
19:39
Speaker 5: Strong enough or something.
19:40
Speaker 2: Yeah, yeah, yeah, yeah, so they might be good quality
19:43
Speaker 2: sperm otherwise, but.
19:45
Speaker 5: They're just a bit lazy. Yeah, so you just need
19:47
Speaker 5: a bit of a kickup the butt.
19:49
Speaker 2: She always said, you know, they're good looking sperm, they're
19:51
Speaker 2: just a bit lazy. And I said, oh, that just
19:53
Speaker 2: suits my husband perfectly all over. Yeah, it made sense
19:59
Speaker 2: to us.
20:00
Speaker 5: I like that.
20:00
Speaker 4: It was like in a conversation that you were like,
20:03
Speaker 4: that makes sense to me like that. That just feels
20:05
Speaker 4: like it's less confrontational or scary or technical as it
20:09
Speaker 4: could be.
20:10
Speaker 2: Yeah, and my husband and I are very open about it,
20:12
Speaker 2: because you know, it was upsetting at the time to
20:16
Speaker 2: know that it wasn't going to be easy to get there.
20:18
Speaker 2: But we were very lucky because I also had low
20:21
Speaker 2: egg counts, so initially I was very worried that it
20:24
Speaker 2: was going to take a while and be quite expensive,
20:27
Speaker 2: and we didn't have private health, so we were paying
20:30
Speaker 2: out of pocket.
20:31
Speaker 5: Oh, completely out of pocket.
20:32
Speaker 2: Yeah, completely out of pocket at the time. So I
20:35
Speaker 2: think it was about twenty thousand dollars per cycle. Wow, Yeah,
20:40
Speaker 2: and then we got some rebates through Medicare, so I
20:42
Speaker 2: think it ended up being just over ten grand after
20:46
Speaker 2: Medicare rebates per cycle.
20:48
Speaker 4: Yeah, but you had to like come up with the
20:50
Speaker 4: twenty thousand dollars to begin with to then be able
20:52
Speaker 4: to rebate it, which is a financial strain that I
20:54
Speaker 4: think a lot of people are like, oh, but you
20:56
Speaker 4: can claim it back on Medicare and it's like, yeah, great,
20:58
Speaker 4: but I actually have to have the twenty thousand dollar
21:00
Speaker 4: in cash to be able to afford it to begin with,
21:02
Speaker 4: to then get the cash back.
21:04
Speaker 2: Yeah, because you have to pay for the cycle on
21:06
Speaker 2: day one. You sort of have to pay for it upfront,
21:09
Speaker 2: and then you get the money back, you know, at
21:11
Speaker 2: the end of the cycle, if that makes sense. So, yeah,
21:13
Speaker 2: for that month, you're out of pocket that additional amount,
21:16
Speaker 2: and then we only had to do two cycles. Each
21:20
Speaker 2: cycle we got one embryo, which is really low and
21:24
Speaker 2: both of those embryos are now a beautiful baby girl.
21:27
Speaker 4: I was about to say, but all you need is
21:29
Speaker 4: one embryo right, Like, you don't need lots and I
21:32
Speaker 4: know that lots of people go through this and that
21:34
Speaker 4: would have been was that really disheartening? Like when you
21:37
Speaker 4: were told we only got one.
21:39
Speaker 2: Yeah because she was cycle, because of your age, Like
21:42
Speaker 2: we want to maybe bank a couple of embryos before
21:45
Speaker 2: we you know, insert one because of the low egg
21:48
Speaker 2: count that I had.
21:49
Speaker 5: Yeah, and you're like that makes sense, and like you're
21:51
Speaker 5: on board for that plan.
21:52
Speaker 2: Yeah. And some people, you know, they get lots of
21:54
Speaker 2: eggs and I got I think on my first cycle
21:56
Speaker 2: four eggs and then only one of them turned into
21:58
Speaker 2: an embryo, and I just thought, oh, this is the
22:00
Speaker 2: tape forever, and I just I want my baby now.
22:03
Speaker 2: And yeah, by the second one, we've got three eggs
22:06
Speaker 2: and a second embryo, and we thought, well, we'll just
22:09
Speaker 2: pop one and see what happens.
22:10
Speaker 5: And yeah, you got a baby.
22:13
Speaker 2: Yeah, my beautiful baby girl, My miracle Baby's the two
22:16
Speaker 2: of them, and.
22:17
Speaker 4: I kind of love that they were, like, you know,
22:20
Speaker 4: they were embryos at the same time.
22:22
Speaker 5: That's kind of so special.
22:23
Speaker 4: I know that they're different ages and whatnot, but like,
22:26
Speaker 4: I just I love the idea that they got to
22:27
Speaker 4: be little embryos together.
22:29
Speaker 2: Yeah, we always say that technically, like our oldest is
22:33
Speaker 2: like our youngest embryo.
22:35
Speaker 5: Oh is it that so funny?
22:36
Speaker 2: Because she came from the second cycle, so you know,
22:40
Speaker 2: our youngest was just yeah, waiting in the freezer.
22:43
Speaker 5: Yeah, how good? I love that.
22:46
Speaker 4: So it was twenty thousand dollars per cycle to get
22:48
Speaker 4: to embryos? Does that include transfer when you decide? Okay,
22:53
Speaker 4: so we've paid out, we're now ten thousand dollars out
22:55
Speaker 4: of pocket. We know we've got you know, two embryos,
22:58
Speaker 4: we're going to be pregnant now, Like what's that process?
23:01
Speaker 2: Like that included the first transfer, so that's yeah, to
23:04
Speaker 2: get the two embryos and the first transfer and then
23:07
Speaker 2: the second transfer. So two years later when we decided
23:10
Speaker 2: to try again, I can't even remember the cost of that.
23:13
Speaker 2: I think it was about fifteen hundred dollars.
23:15
Speaker 5: Yeah, okay, so not too bad.
23:17
Speaker 2: Yeah, because I needed some medication.
23:19
Speaker 4: To stimulate life. Yeah, I find it so interesting. And
23:22
Speaker 4: then you would have had to pay storage fees. Yes,
23:26
Speaker 4: So what did that cost?
23:28
Speaker 2: Is about six hundred dollars a year from memory?
23:30
Speaker 4: Right, and then you just know that your other beaby
23:33
Speaker 4: was just hanging out in a freezer somewhere waiting to
23:35
Speaker 4: come and be picked up.
23:36
Speaker 2: I was so anxious. I was like, what if they
23:38
Speaker 2: lose it because there's only one. It's all a load.
23:42
Speaker 4: It was, but now it's not like now she's with
23:44
Speaker 4: you guys, and now you have two kids. That is honestly,
23:47
Speaker 4: it's so special learning about people's like fertility journeys, Like
23:51
Speaker 4: I always feel so pervy, but like having been on
23:54
Speaker 4: my own journey to having Harvey and then you know,
23:59
Speaker 4: at some in the future, I want more babies. I
24:01
Speaker 4: just I'm so always interested in, like, well, how did
24:04
Speaker 4: you become a mum? Because I didn't realize it was
24:07
Speaker 4: as complicated as it is.
24:08
Speaker 2: And we just feel so lucky. We're just so appreciative
24:11
Speaker 2: because we know it doesn't work for everyone. So we're
24:14
Speaker 2: just so grateful for them every day.
24:16
Speaker 5: I love that.
24:16
Speaker 4: So we spoke about you know, obviously IVF, we've had
24:19
Speaker 4: a chat about property. You've done well in that space.
24:22
Speaker 4: Talk to me about investing. You said like, oh, like,
24:25
Speaker 4: I'm a little bit scared about it. Read your books
24:27
Speaker 4: and stuff, but like, where are you at on your
24:29
Speaker 4: investing journey?
24:30
Speaker 2: So we do invest so obviously we've got our super
24:33
Speaker 2: So my husband's are sitting around one hundred and thirty
24:36
Speaker 2: thousand dollars very nus and then mine is sitting at
24:39
Speaker 2: around one hundred and twenty one in my main super account.
24:42
Speaker 2: But I also did a year in the military after
24:44
Speaker 2: I left school.
24:45
Speaker 5: Oh, did not see that coming.
24:47
Speaker 2: Yeah, not a lot of people do. When they see me,
24:51
Speaker 2: they like what But I think I have about sixteen
24:54
Speaker 2: and a half thousand dollars in there because it can't
24:57
Speaker 2: be rolled over to in another super account. So it's
24:59
Speaker 2: just it's been ticking away, you know, my whole adult life,
25:03
Speaker 2: just sitting there, slowly growing.
25:05
Speaker 5: Just compounding, doing its thing. I love that.
25:08
Speaker 4: And then when it comes to like plans for investing
25:12
Speaker 4: in the future, have you guys spoken about it? Is
25:16
Speaker 4: that something that you're like, yep, Like we just don't
25:18
Speaker 4: want to do it right now. I know you said before,
25:19
Speaker 4: like you want to aggressively pay off your mortgage, Like,
25:23
Speaker 4: talk to me about what those like the combination looks like.
25:26
Speaker 2: So I have a small investment portfolio, so I started
25:30
Speaker 2: off with rays just doing roundups. I think in twenty
25:34
Speaker 2: twenty one, after I read your book, Yeah, and I
25:37
Speaker 2: thought I need to start somewhere, and that felt quite
25:40
Speaker 2: easy to me, and then not too intimidating. And then
25:45
Speaker 2: now in that same account, we have a weekly amount
25:49
Speaker 2: of two hundred and fifty dollars.
25:50
Speaker 4: Oh my gosh, so you are good investors, yes, maybe.
25:55
Speaker 2: Yeah. So I'm happy with how it's growing. And over time,
25:59
Speaker 2: I've become more customed to, you know, not feel as
26:03
Speaker 2: frightened of losing the money. So it's now sitting around
26:07
Speaker 2: twenty five thousand dollars.
26:09
Speaker 4: How good, And I guess just going to compound over time.
26:12
Speaker 4: And as like you know, kids are expensive, as I
26:15
Speaker 4: don't have to convince you of that paying off your
26:17
Speaker 4: mortgage early is going to cost lots of money. Like
26:19
Speaker 4: as money becomes a little bit freer, like you can
26:23
Speaker 4: contribute more and it doesn't feel as painful as it
26:27
Speaker 4: probably would where you're like, Okay, so I'm working, my
26:31
Speaker 4: husband's working. I'm assuming there's day care fees and stuff
26:33
Speaker 4: like that in the mix, and just life's expensive.
26:37
Speaker 2: Yeah it is, but it's nice to know that there's
26:40
Speaker 2: something ticking along there. And I also contribute an extra
26:44
Speaker 2: three percent of my wage to.
26:46
Speaker 5: Super on top of the seventeen Yeah.
26:48
Speaker 2: Because I thought twenty was a nice round number.
26:51
Speaker 4: I love that, and I love a round number like
26:54
Speaker 4: I just I like the idea of that. Have you
26:56
Speaker 4: done projections on where that will put you in the future.
26:59
Speaker 2: Yeah, I did some projections with my husband and my
27:03
Speaker 2: super as to where we'd sit by the time if
27:06
Speaker 2: we want to retire at sixty five, and I think
27:08
Speaker 2: it said like our fortnightly income would be around four
27:13
Speaker 2: hundred dollars I think, which I think is quite comfortable. Yep, yep, No,
27:18
Speaker 2: I love it, especially if we're planning on having our
27:20
Speaker 2: mortgage paid off.
27:21
Speaker 4: Oh, I think that you'll be just fine in that situation.
27:25
Speaker 4: So we talked about debt before. I'm assuming you're not
27:28
Speaker 4: in any other debt.
27:29
Speaker 2: I have hex debt. So I studied psychological science, and
27:33
Speaker 2: then I, like yourself, studied organizational psychology.
27:36
Speaker 5: Oh the good types of people.
27:39
Speaker 2: Yeah, so I've still got a bit of debt about
27:42
Speaker 2: thirty five.
27:42
Speaker 5: K ah, very cool. Tell me a bit more. I
27:46
Speaker 5: want to know.
27:46
Speaker 4: I feel like you've probably been a frugal girlie. You've
27:50
Speaker 4: probably got some good money habits. What do you reckon
27:52
Speaker 4: is your best money habit?
27:54
Speaker 2: I don't know if I've got good habits. But I'm
27:57
Speaker 2: quite disciplined. So in terms of of like our cash flows,
28:01
Speaker 2: it's all assigned. Any bills or expenses that we have,
28:06
Speaker 2: you know, they're basically the money goes out to them
28:08
Speaker 2: straight away, so we'reever worrying about how we're going to
28:12
Speaker 2: pay for bills. And I'm quite low maintenance in myself,
28:17
Speaker 2: Like I'm not particularly spendy when it comes to trendy
28:21
Speaker 2: clothes or anything like that. I try to pick good
28:24
Speaker 2: quality clothes that will last because I'd rather have nice
28:29
Speaker 2: things in my wardrobe that are not necessarily going to
28:32
Speaker 2: go out of fashion but suit me and my style
28:35
Speaker 2: and that I can basically wear to death, and then
28:38
Speaker 2: we know that it's getting good cost perwear.
28:40
Speaker 5: I love that.
28:41
Speaker 4: I feel like the older I get, the more I
28:43
Speaker 4: realize that. Like when I buy something, whether that's like
28:46
Speaker 4: a fast fashion piece or like an investment piece, I
28:49
Speaker 4: go hold on, like I think about it in the
28:52
Speaker 4: here and now. But then I realize that there are
28:54
Speaker 4: some pieces in my wardrobe that I've had there for
28:56
Speaker 4: ten or fifteen years that I'm still wearing. And I
28:58
Speaker 4: think that that's a really interesting mindset to realize. Oh,
29:02
Speaker 4: like if I bought this green top that I'm wearing today.
29:04
Speaker 4: I could actually still be wearing that in fifteen years
29:07
Speaker 4: and that's wild to me. And it's just really pushed
29:10
Speaker 4: me further into being more intentional with my purchases because
29:13
Speaker 4: I'm like, oh my god, like I do remember it's
29:16
Speaker 4: so lame. But there's this like white top that I
29:18
Speaker 4: bought in Uni that is really non eventful.
29:21
Speaker 5: That you probably would be like v it looks like
29:23
Speaker 5: every other white.
29:23
Speaker 4: Top, but I remember stretching myself in Uni to purchase it,
29:26
Speaker 4: Like I remember feeling a little bit guilty because I
29:29
Speaker 4: was like, oh, like, I really want it, but it's
29:31
Speaker 4: a bit more spino And I'm still wearing it today,
29:35
Speaker 4: and I'm really glad I did that because it's still
29:37
Speaker 4: one of my favorite pieces. And I just go, I
29:40
Speaker 4: want to be more like that more consistently. So that's
29:43
Speaker 4: a good thing if that's one of your better money
29:45
Speaker 4: have its.
29:46
Speaker 2: Yeah. I try and be really mindful of what I'm purchasing,
29:49
Speaker 2: and so sometimes you know they're not cheap, Like particularly,
29:53
Speaker 2: I buy a lot of nice dresses for work and
29:55
Speaker 2: things like that, but I know that I'll get years
29:57
Speaker 2: and years of wear out of them. The only you is,
30:00
Speaker 2: you know, after having two babies, Like I do have
30:03
Speaker 2: a few pieces in my closet that I just can't
30:05
Speaker 2: let go of but don't necessarily fit me the same
30:07
Speaker 2: way that they used to, which is really sad because
30:10
Speaker 2: you know, when I bought them, you know, I loved
30:12
Speaker 2: these pieces, and now I put them on and they're
30:14
Speaker 2: just not quite as comfortable or don't make me feel
30:16
Speaker 2: quite so great when I wear them.
30:19
Speaker 4: Yeah, And it's interesting like having had a baby nearly
30:23
Speaker 4: a year ago for me, like just the way your
30:26
Speaker 4: body changes, and like it's not like I'm very lucky
30:31
Speaker 4: that I'm back to where I was before, but everything's different,
30:35
Speaker 4: Like things sit differently, and like my weight distribution is
30:39
Speaker 4: sitting differently on my body and I just didn't predict.
30:43
Speaker 2: That, Like, yeah, my rib cage is wider.
30:46
Speaker 4: Yeah, my rib cage is like my bone structure is different.
30:50
Speaker 4: And the rib cage thing I googled that I was like,
30:54
Speaker 4: is my rib cage bigger? Apparently that's a thing because
30:57
Speaker 4: like your whole body needs to move to accommodate a baby,
31:00
Speaker 4: and it never went back.
31:01
Speaker 2: Yeah, so things that you know used to be quite
31:03
Speaker 2: comfortable around, you know, your ribs and your waist are
31:06
Speaker 2: now like, oh that's a bit tight.
31:09
Speaker 5: Yeah, and it's got nothing to do with weight.
31:12
Speaker 4: It's got everything to do with your body, Like composition
31:15
Speaker 4: is just different now.
31:16
Speaker 5: Oh, it's actually so interesting.
31:18
Speaker 2: Yeah, it's amazing what the female body can do.
31:21
Speaker 4: I'm very proud of it. But tell me, what do
31:24
Speaker 4: you think your worst money?
31:25
Speaker 5: How it is?
31:25
Speaker 2: I've got two things that I wrote down, So I
31:28
Speaker 2: guess the takeout meals I mentioned before. You know, my
31:33
Speaker 2: husband always justifies it. You know, we get more time
31:35
Speaker 2: with the kids and less time cooking in that stuff.
31:38
Speaker 2: I feel like we've gone too far and now we
31:41
Speaker 2: need to draw it back in again because oh I
31:43
Speaker 2: don't feel like cooking, let's just buy something. I still
31:46
Speaker 2: have that little bit of guilt around. Oh yeah, maybe
31:49
Speaker 2: this week we've spent a bit too much on takeout
31:52
Speaker 2: or even going to cafes. We love to take the
31:54
Speaker 2: girls for baby tinos and things, and I think, you
31:58
Speaker 2: know one a week is you know, it's getting Yeah, and.
32:01
Speaker 4: They do add up like what do you mean a
32:03
Speaker 4: baby tuno's four dollars? Like I was looking at the
32:05
Speaker 4: Harvey's not a baby chino age yet, but I was
32:08
Speaker 4: looking at the menu the other day and I was like,
32:10
Speaker 4: four dollars. And we all know he doesn't even like
32:13
Speaker 4: when it happens. He's probably not that interested in drinking
32:16
Speaker 4: the milk and consuming the nutrients. He probably just wanted
32:19
Speaker 4: the little marshmallow.
32:20
Speaker 2: Yeah, yeah, for a bit of like this much froth milk.
32:24
Speaker 4: Yeah, at extortion, honestly. But I mean, I don't know.
32:29
Speaker 4: I feel like I've realized I'm a very sentimental mum.
32:32
Speaker 4: Like I keep just being like, oh my god, you're growing,
32:34
Speaker 4: please stop, but also don't stop. Like I just I
32:37
Speaker 4: feel like it's getting away from me at the same
32:40
Speaker 4: time as trying to appreciate it. I'm like, you're not
32:42
Speaker 4: going to be in baby Chino face forever, so like
32:45
Speaker 4: I want to take you out for as many as possible.
32:47
Speaker 4: So I don't know how I'm going to balance that
32:49
Speaker 4: for myself.
32:50
Speaker 2: Yeah, and I think as well, like as a working mum,
32:53
Speaker 2: you get sometimes the mum guilt, and so you know,
32:56
Speaker 2: you do splurt a little bit more. Like my eldest daughter,
32:59
Speaker 2: she loves books and almost we went through a period
33:02
Speaker 2: last year where every time I take her out, we'd
33:04
Speaker 2: be like, oh, let's just go to came up to
33:06
Speaker 2: the book section and see if there's any nice books
33:08
Speaker 2: because we that's part of our I guess bedtime ritual
33:11
Speaker 2: is reading the books together and it's just so lovely
33:14
Speaker 2: to spend that time with it. Okay, maybe we should
33:17
Speaker 2: be going to the library instead of buying all these books.
33:21
Speaker 4: I mean, those aren't the worst money habits I've ever seen.
33:25
Speaker 5: I kind of like them. They're really wholesome.
33:27
Speaker 2: Yeah, but yeah, I think for me, it's just to
33:30
Speaker 2: do with spending around the girls. Like I just I
33:33
Speaker 2: find it really hard to say no to them because
33:36
Speaker 2: they're just my little babies and I just want to
33:38
Speaker 2: give them the whole world.
33:40
Speaker 4: So it does change the like I don't know, you
33:43
Speaker 4: know how when you're growing up, people will be like, oh, yeah,
33:45
Speaker 4: I want to give my kids absolutely everything, and you'd
33:47
Speaker 4: be like, okay, cool, like don't no second thought about
33:49
Speaker 4: that statement. And now I'm like, oh, I get it,
33:52
Speaker 4: Like I want him to have like everything at the
33:54
Speaker 4: same time as bringing him up to not be entitled,
33:57
Speaker 4: like and you're trying to like find the balance and
33:59
Speaker 4: you just like you're only one, but like I can
34:02
Speaker 4: just see me going, yeah.
34:04
Speaker 5: You can have it. It's fine. I just I really
34:06
Speaker 5: want you to have a good day.
34:08
Speaker 2: Yeah. Oh so cute. And now once they can talk
34:12
Speaker 2: and they start like saying things that are adorable, Like
34:15
Speaker 2: my daughter says, Mummy, I've been really good today and
34:18
Speaker 2: she's trying to get something out of me.
34:21
Speaker 5: I'm like, oh, she's a genius. It's gonna work.
34:24
Speaker 2: Sometimes it's just like can I have a piece of fruit?
34:25
Speaker 2: And it's like, oh, yeah, that's fine. But sometimes it's
34:27
Speaker 2: like can I watch TV?
34:29
Speaker 5: And I'm oh, okay, sleep pree sleep, preeze slope. I
34:34
Speaker 5: love it. Oh my gosh.
34:35
Speaker 4: I have loved having a chat with you today and
34:38
Speaker 4: learning about you know, literally everything, like you know, purchasing
34:42
Speaker 4: your first home and chatting about IVF for them, talking
34:44
Speaker 4: about our money habits being frugal versus having a partner
34:47
Speaker 4: who's less brugal, Like I feel like this has been
34:50
Speaker 4: a fun money diary and I've really enjoyed getting to
34:52
Speaker 4: know you. So thank you, And I just I know
34:56
Speaker 4: our community is gonna love listening to these diary as
34:58
Speaker 4: much as I've loved recording it.
35:00
Speaker 5: So thank you.
35:01
Speaker 2: You're welcome, and thank you so much for everything you
35:03
Speaker 2: do for the community, and particularly for women, because it
35:07
Speaker 2: certainly helped me, and I know know in many ways
35:10
Speaker 2: you're helping so many people.
35:11
Speaker 4: I hope I try. It's like my favorite thing ever, No,
35:15
Speaker 4: thank you for that. This has been beautiful.
35:23
Speaker 6: The IF by shared on She's on the Money is
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Speaker 6: general in nature and does not consider your individual circumstances.
35:29
Speaker 6: She's on the Money exists purely for educational purposes and
35:33
Speaker 6: should not be relied upon to make an investment or
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Speaker 6: financial decision. If you do choose to buy a financial product,
35:39
Speaker 6: read the PDS TMD and obtain appropriate financial advice.
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Speaker 5: Tailored towards your needs.
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Speaker 6: Victoria Divine and She's on the Money are authorized representatives
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Speaker 6: of money. Sheper pty Ltd ABN three two one IS
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Speaker 6: five one two eight ninet