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MONEY DIARIES: The only person in the meeting without a degree · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:13
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 0:17
  Speaker 2: for millennials who want financial freedom. This is one of
• 0:20
  Speaker 2: our money Diary episodes, and as always, from now onwards,
• 0:24
  Speaker 2: I'm joined by the beautiful and the radiant Tony Lodge.
• 0:27
  Speaker 1: Hello, Tony, Hello, thank you for having me.
• 0:30
  Speaker 3: Oh you are so welcome.
• 0:32
  Speaker 2: And we have a really interesting money diary today which
• 0:35
  Speaker 2: I know nothing about yet. So Tony, can you read
• 0:38
  Speaker 2: us the email and we'll get straight into it.
• 0:40
  Speaker 1: I am bursting at the seams. This is Are you
• 0:43
  Speaker 1: actually well? You've been talking about it literally.
• 0:46
  Speaker 3: All day and now I feel like you've worked it up,
• 0:48
  Speaker 3: so it better be good. Oh no, no.
• 0:51
  Speaker 1: Price, I actually never back anything in. I'm backing this in. Okay,
• 0:55
  Speaker 1: that's amazing, baceraream.
• 0:57
  Speaker 3: Let's go real.
• 0:59
  Speaker 1: Hi, She's on the Money. Gang Gang.
• 1:01
  Speaker 3: We are a gang.
• 1:02
  Speaker 1: I saw your instapost about wanting to chat with someone
• 1:05
  Speaker 1: earning a high salary without a university degree, and that's me. Yes,
• 1:10
  Speaker 1: I'm twenty seven from Tazzi and oh, thank my.
• 1:14
  Speaker 3: God, Rosta, we're probably a cousin.
• 1:17
  Speaker 1: And started working full time three weeks after starting year eleven.
• 1:21
  Speaker 1: When I was sixteen. My parents have always owned their
• 1:24
  Speaker 1: own businesses and were always fighting about money. They had
• 1:27
  Speaker 1: a pretty toxic relationship, and my siblings and I had
• 1:30
  Speaker 1: a traumatic upbringing. At eighteen, I started working in a
• 1:33
  Speaker 1: sales call center with potential to earn uncapped commissions. I
• 1:37
  Speaker 1: worked really hard to earn eighty five K consistently for
• 1:41
  Speaker 1: all the years that I worked in the role.
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  Speaker 3: That is so much money.
• 1:45
  Speaker 1: Allowing me to buy my first home at twenty twenty
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  Speaker 1: twenty Chappy.
• 1:50
  Speaker 3: Zero, having not finished year eleven and twelve.
• 1:54
  Speaker 1: And escaped from my parents, but also for my siblings
• 1:56
  Speaker 1: to escape too.
• 1:57
  Speaker 3: I love that. I'm so proud of That's really special.
• 2:00
  Speaker 1: I transferred to HR and began my career in recruitment,
• 2:03
  Speaker 1: and moving from a call center to a corporate world
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  Speaker 1: was a big adjustment for me. The majority of the
• 2:08
  Speaker 1: people I am now working with all have been to
• 2:10
  Speaker 1: Union have degrees.
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  Speaker 3: I've struggled that UNI people.
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  Speaker 1: I've struggled with imposter syndrome quite a bit, often feeling
• 2:17
  Speaker 1: like I'm not smart enough or even proven. I deserve
• 2:20
  Speaker 1: a seat at the table.
• 2:21
  Speaker 2: Oh no, you deserve a seat. And if you don't
• 2:23
  Speaker 2: think that, there's a seat for you at the table.
• 2:24
  Speaker 2: Go get a chair and just drag it up. I've
• 2:27
  Speaker 2: just like scratch it along the hardwood floors so everybody
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  Speaker 2: notices you on the way.
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  Speaker 1: Luckily for me, I have an incredibly supportive manager who
• 2:35
  Speaker 1: believes in me, and she reminds me that a piece
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  Speaker 1: of paper doesn't prove my worth or value.
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  Speaker 3: Absolutely it does not.
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  Speaker 1: Fast forward three years and I'm absolutely loving my career choices.
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  Speaker 1: Between my partner and I. We currently have two houses
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  Speaker 1: and a block of land. Oh, oh my gosh. We
• 2:50
  Speaker 1: are saving to build our next house and getting married
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  Speaker 1: in feb twenty twenty two.
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  Speaker 3: Oh my gosh, so sweet. I'm gonna ask her about
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  Speaker 3: a ring.
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  Speaker 1: Not bad for a kid from a rural town that
• 2:59
  Speaker 1: only finished grade ten.
• 3:01
  Speaker 2: I love that for her. Let's get her on the phone, Tony,
• 3:04
  Speaker 2: do you want to give her a buzz?
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  Speaker 1: Hello, money Diarist?
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  Speaker 3: Are you ready to talk about your money diary?
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  Speaker 4: Yes?
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  Speaker 3: I am.
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  Speaker 4: Thank you so much for having me so exciting.
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  Speaker 2: Oh my gosh, you've only finished year ten. I cannot
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  Speaker 2: wait to have a chat with you. But in traditional
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  Speaker 2: she's on the money form. We're going to go through
• 3:21
  Speaker 2: our structured questions and then we'll get to lots of
• 3:24
  Speaker 2: questions at the back end of the interview. Are you ready, yes,
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  Speaker 2: bring it on, awesome. Could you explain to us what
• 3:31
  Speaker 2: your attitude to money is.
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  Speaker 4: Sorry, I've had a think about this and I think
• 3:37
  Speaker 4: it's see a bit of an evolution. So, as I said,
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  Speaker 4: my parents are always own their ownsiness. They were arguing
• 3:42
  Speaker 4: all the time, and that was mostly about money. They
• 3:45
  Speaker 4: didn't really teach my siblings and I very good money
• 3:49
  Speaker 4: habits or the value of money. All I knew was
• 3:52
  Speaker 4: I didn't want to be like them, but I just
• 3:54
  Speaker 4: didn't know how. So when I bought my house and
• 3:57
  Speaker 4: moved out of Holland, it was a battup adjustment to
• 4:00
  Speaker 4: learn how to save and budget for myself, and I
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  Speaker 4: quickly realized it's not something that you automatically good at.
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  Speaker 4: So I just learned from books and friends and podcasts
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  Speaker 4: and trial and error. But today I'm feeling really confident
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  Speaker 4: with my approach to money. I've got a color coded
• 4:18
  Speaker 4: spreadsheets because that's got my budget on it. I've clearly
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  Speaker 4: defined bank accounts all my savings, So I feel like
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  Speaker 4: I'm in a really good place with my attitude towards money.
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  Speaker 3: I feel like you are too. That's so exciting. All right,
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  Speaker 3: what do you do for work and how much money
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  Speaker 3: do you earn?
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  Speaker 4: So I work in recruitment and I currently earn just
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  Speaker 4: over ninety thousand dollars a year plus tou so what
• 4:41
  Speaker 4: comes into my bank account every fortnight is just over
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  Speaker 4: two six hundred dollars.
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  Speaker 3: That is epic.
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  Speaker 1: Oh my gosh.
• 4:48
  Speaker 3: Without it's not bad. What do you mean not bad?
• 4:51
  Speaker 1: That's great.
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  Speaker 3: That is such good money.
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  Speaker 2: And the fact that you're saving and investing, like, oh,
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  Speaker 2: I'm so excited about this money diary. All right, So
• 5:00
  Speaker 2: you obviously have some property already, but what is currently
• 5:03
  Speaker 2: your big money goal.
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  Speaker 4: Yeah, So, like I said in the email, we're getting
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  Speaker 4: married in February, so we've got kind of a short
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  Speaker 4: term money goal of saving for that. I don't want
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  Speaker 4: to put any of that on credit cards or any loans.
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  Speaker 4: You want to pay start in cash, and then long term,
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  Speaker 4: we're saving to build a house on the block that
• 5:22
  Speaker 4: we bought earlier this year, so that's probably three to
• 5:25
  Speaker 4: five years in the future, but we want to be
• 5:26
  Speaker 4: able to pay for most of that with cash as well.
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  Speaker 1: Oh my gosh, that's so amazing.
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  Speaker 3: That is so exciting.
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  Speaker 2: So we know you have some property, but do you
• 5:35
  Speaker 2: have any investments?
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  Speaker 4: Yeah, so I've got the property. So that's only been
• 5:40
  Speaker 4: a rental for about eight months, and maybe about eighteen
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  Speaker 4: months ago I started investing into spaceship. Just a little
• 5:47
  Speaker 4: bit of money every week. Really came to a little
• 5:50
  Speaker 4: bit more. But as you say, if you're not ready
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  Speaker 4: to invest long term, you shouldn't be putting the money
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  Speaker 4: in for a couple of years. So I'm holding out
• 6:00
  Speaker 4: and build a house.
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  Speaker 3: Oh my gosh, woman after my own heart.
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  Speaker 1: She's really gone through the Victoria Divine School of Finance,
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  Speaker 1: that's for sure.
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  Speaker 3: I would not be there if that existed.
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  Speaker 2: Can you imagine if there was a thing called the
• 6:13
  Speaker 2: Victoria Divine School of Finance?
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  Speaker 1: Should that be our next project?
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  Speaker 4: Oh?
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  Speaker 1: I'm here for We're doing it.
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  Speaker 3: I'm doing it.
• 6:18
  Speaker 1: I'm there.
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  Speaker 3: Is that too egotistical?
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  Speaker 1: Oh?
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  Speaker 3: Do you know what?
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  Speaker 2: I don't even mind now, as long as people are
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  Speaker 2: saying stuff like this like I'm saving it, I'm investing
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  Speaker 2: and I've got a plan, like, I don't care.
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  Speaker 3: How they learn. All right, all right, do you currently
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  Speaker 3: have any debts?
• 6:32
  Speaker 4: So yes, we have the three mortgages, between my partner
• 6:34
  Speaker 4: and I. So it's the sum of debt that lear
• 6:38
  Speaker 4: is a large amount. It's a bit scary, but we've
• 6:41
  Speaker 4: got a really good future plant We've both got really
• 6:44
  Speaker 4: good paying jobs, and we have a really good financial
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  Speaker 4: planner which we both trust and awesome with our situation.
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  Speaker 3: Oh my gosh, so you've got a financial advisor.
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  Speaker 4: Yes, yes, we do.
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  Speaker 2: Awesome, Awesome, And how do you think that that has
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  Speaker 2: helped your journey?
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  Speaker 4: It's just go close to clarity, Like it's so great
• 7:05
  Speaker 4: listening to your podcast, and I do my own research,
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  Speaker 4: but I'm not an expert either, So we can reach
• 7:11
  Speaker 4: out to him and me with him, and he can
• 7:13
  Speaker 4: answer all of our questions, look at our situation and
• 7:16
  Speaker 4: give us the best advice to set us up to
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  Speaker 4: the future. Yes, And the best thing about him is
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  Speaker 4: he's just so like he doesn't speak finance jargon either,
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  Speaker 4: Like he really makes it relatable, so we fully understand
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  Speaker 4: what we're getting ourselves into. And he's been there, like
• 7:32
  Speaker 4: I've been working with him for a while now, so
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  Speaker 4: he knows my full situation. Yeah, we'll continue to work
• 7:38
  Speaker 4: with him.
• 7:38
  Speaker 3: Maybe you'll have to introduce me to this guy friend.
• 7:44
  Speaker 4: Maybe next time tas maybea we can do a little.
• 7:47
  Speaker 3: Don't put it past me. I love Tazzie.
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  Speaker 2: Obviously I grew up there and I get back at
• 7:52
  Speaker 2: every possible opportunity. So what is currently your best money habit?
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  Speaker 4: So I always say my best money habit is like
• 8:02
  Speaker 4: the way that I budget and filter my money. It's
• 8:04
  Speaker 4: a little bit extra. But I have three different banks
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  Speaker 4: that kind of have different accounts sism. So one bank
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  Speaker 4: is mortgages and that's where we say using an offset
• 8:15
  Speaker 4: account for our house. Then I've got another bank, which
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  Speaker 4: is all my important money and so that's where I've
• 8:24
  Speaker 4: got my emergency account, my weekly expenses like groceries, petrol,
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  Speaker 4: that kind of thing. All my money for my fields
• 8:32
  Speaker 4: go into that bank. And then I use up banks
• 8:35
  Speaker 4: for all my fun spending, so my weekly allowance and
• 8:38
  Speaker 4: my splurge account, and that's where we're saving for the
• 8:40
  Speaker 4: wedding as well.
• 8:41
  Speaker 1: Oh my god, it doesn't sound like you need a
• 8:42
  Speaker 1: financial advisor. It sounds like you could be my financial.
• 8:48
  Speaker 3: Gosh, I guess. And in on the flip side of that,
• 8:52
  Speaker 3: what is your worst money have it?
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  Speaker 4: So, as most trees on the money listeners, I love food,
• 9:00
  Speaker 4: so I do tend to not.
• 9:02
  Speaker 1: Just also the host, also the people that work here.
• 9:04
  Speaker 3: Also the people that work here. We also love snacks.
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  Speaker 4: But if I had to say anything else, it would
• 9:09
  Speaker 4: be I try to make lists of things that I
• 9:11
  Speaker 4: want to buy, so I don't kind of go out
• 9:13
  Speaker 4: and buy them willy nilly. But when I start buying one,
• 9:16
  Speaker 4: I want to buy them all. So then I end
• 9:18
  Speaker 4: up doing that and I completely drain my kind of
• 9:20
  Speaker 4: words accounts. So then it takes a few weeks to
• 9:22
  Speaker 4: build the seedings back up there. But I tend to
• 9:24
  Speaker 4: just keep on repeating that cycle.
• 9:26
  Speaker 2: And if I forced you to give yourself a grade,
• 9:28
  Speaker 2: what money grade would you give yourself?
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  Speaker 4: I am going to give myself an A.
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  Speaker 3: Yes, it's been.
• 9:35
  Speaker 1: A while, get back yourself.
• 9:37
  Speaker 3: Yes, I love that. I love that.
• 9:39
  Speaker 2: I feel like it's been a really long time since
• 9:41
  Speaker 2: the money direst has genuinely been like, no, I'm an A.
• 9:44
  Speaker 3: I love this.
• 9:45
  Speaker 1: Whether they deserve it or not, you definitely deserve an A.
• 9:49
  Speaker 1: And they're like, oh no, I'm a B minus.
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  Speaker 3: I'm not having it anyway.
• 9:53
  Speaker 2: I've got so many questions for you, and we'll get
• 9:56
  Speaker 2: back to them in just a moment. All right, Money Diarist,
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  Speaker 2: Thank you so much for sharing those with us. I
• 10:06
  Speaker 2: actually have so many questions for you. But my first
• 10:10
  Speaker 2: question is how Look, I know that that's probably a
• 10:14
  Speaker 2: little bit frank, but you know, having not finished year
• 10:17
  Speaker 2: twelve and just finished at year ten and then gone
• 10:21
  Speaker 2: on to have this really great salary, The question isn't
• 10:24
  Speaker 2: how did you do that? It's how you now so
• 10:27
  Speaker 2: good at money management? Like where did you learn that
• 10:30
  Speaker 2: you needed all of your bank accounts and you wanted
• 10:33
  Speaker 2: to buy a house and you know what that meant
• 10:35
  Speaker 2: to then you know, buy a block of land as
• 10:37
  Speaker 2: well and transform that into an investment property, Like how
• 10:40
  Speaker 2: have you done that at such a young age, having
• 10:43
  Speaker 2: come from a background that didn't teach you that.
• 10:46
  Speaker 4: Yeah, I think it's just a lot of pent error,
• 10:49
  Speaker 4: and you know, looking into though from the looks of it,
• 10:54
  Speaker 4: there there's definitely been times where you know, I have
• 10:57
  Speaker 4: so I would take pay to paycheck, but I've had
• 10:59
  Speaker 4: very real money in life account. But I think it's
• 11:02
  Speaker 4: just I kind of knew exactly what I wouldn't what
• 11:05
  Speaker 4: I didn't want to be like, and so I used
• 11:08
  Speaker 4: everything in my power to be the opposite to that. So, yeah,
• 11:10
  Speaker 4: it was just when I first had the opportunity to
• 11:12
  Speaker 4: be able to earn a lot of money and I
• 11:14
  Speaker 4: realized how much money that was, I was like, yeah,
• 11:17
  Speaker 4: first thing I'm going to do is by house and
• 11:20
  Speaker 4: get into the market. And I did that, you know,
• 11:22
  Speaker 4: a little while ago now so that my house has
• 11:25
  Speaker 4: gone up in so much value, which is amazing. And
• 11:28
  Speaker 4: then from there it was it was a good couple
• 11:31
  Speaker 4: of years, probably a few years until I felt like
• 11:34
  Speaker 4: I was kind of confident in how I set up
• 11:38
  Speaker 4: my money and keep my budget and that kind of thing.
• 11:41
  Speaker 4: So yeah, just knowing what I wanted to be and
• 11:44
  Speaker 4: just working really hard to try and get there.
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  Speaker 3: I love that.
• 11:46
  Speaker 2: It makes me so excited that you're just so well
• 11:49
  Speaker 2: set up having started from you know, I don't want
• 11:52
  Speaker 2: to say a disadvantage start, but from a start that
• 11:54
  Speaker 2: you know, didn't teach you the finance skills that I
• 11:57
  Speaker 2: believe everyone deserves.
• 11:58
  Speaker 1: It's also really powerful that you came from such a well,
• 12:01
  Speaker 1: I mean, like you said in your email, quite a
• 12:04
  Speaker 1: hard environment to grow up in. It's really powerful that
• 12:06
  Speaker 1: you kind of took away from that and went, Okay,
• 12:08
  Speaker 1: that's what not to do when I you know, it
• 12:11
  Speaker 1: comes to controlling my finances. And obviously you and your
• 12:14
  Speaker 1: partner are super open about your finances. You've both got
• 12:17
  Speaker 1: you know, houses together and separately and things like that.
• 12:21
  Speaker 1: What does what does he do for a job? If
• 12:23
  Speaker 1: you don't mind me, Mouski, I'm pervy.
• 12:26
  Speaker 4: He is an electrician by trade, but he specialized. He's
• 12:29
  Speaker 4: still with elevators.
• 12:31
  Speaker 3: Oh my god, do you live in Tasmania. Yes, we do,
• 12:35
  Speaker 3: so they have elevators in Tasmania.
• 12:38
  Speaker 2: I've got everything now, yeah, but they don't have uber eats.
• 12:42
  Speaker 2: Oh what Oh, she's probably from Hobart breaking news. You
• 12:47
  Speaker 2: from Hobart y. Yeah, I've been non test and we
• 12:50
  Speaker 2: don't have ub eats.
• 12:52
  Speaker 1: Too many questions, too personal?
• 12:54
  Speaker 2: Sorry, sorry, sorry, all right, So we're just like breaking
• 12:56
  Speaker 2: down your exact location. But do you know what, Hope
• 13:00
  Speaker 2: it's expensive now knowing if she's living down there, Hopeart's
• 13:03
  Speaker 2: genuinely expensive to break into the property market there, great
• 13:06
  Speaker 2: rental yield two, which our money.
• 13:09
  Speaker 3: Direst probably is very aware of. Yes, she's like, yes, Victoria,
• 13:14
  Speaker 3: I know.
• 13:15
  Speaker 2: So while we're on the topic of your partner and
• 13:17
  Speaker 2: to be a little bit pervy, because we do love
• 13:19
  Speaker 2: a good pervy money day here. Yeah, like you said,
• 13:22
  Speaker 2: you were getting married in twenty twenty two, which is
• 13:25
  Speaker 2: very exciting and actually creeping up.
• 13:26
  Speaker 3: It's less than a year away. Now, how did you
• 13:29
  Speaker 3: guys go about getting engaged? What happened with your ring?
• 13:35
  Speaker 2: Having with all of that, because obviously, like you seem
• 13:38
  Speaker 2: to have your head screwed on.
• 13:39
  Speaker 3: What was that process?
• 13:40
  Speaker 4: Like it was a surprise?
• 13:44
  Speaker 1: Sorry?
• 13:45
  Speaker 3: Sorry you tell us?
• 13:46
  Speaker 1: Tell us, Oh, yeah, what happened? We're both sitting on
• 13:48
  Speaker 1: the edge of our seats here.
• 13:50
  Speaker 4: So we had a plan to Europe which had to
• 13:53
  Speaker 4: get canceled because of COVID. It was going to be
• 13:55
  Speaker 4: my birthday while we were over there, so that was
• 13:58
  Speaker 4: his original plan.
• 14:00
  Speaker 3: Oh my gosh, imagic.
• 14:02
  Speaker 4: Unfortunately, I know, but I like his stack up plan
• 14:05
  Speaker 4: even better. So we went down to a place where
• 14:08
  Speaker 4: I grew up and we went on this really beautiful hike.
• 14:11
  Speaker 4: It was like a twenty k hike or something particulous.
• 14:15
  Speaker 1: And the day he make you do that before giving
• 14:17
  Speaker 1: you that ring, I can't believe it work it?
• 14:21
  Speaker 4: Yeah, absolutely so yeah, Well we got to the end.
• 14:24
  Speaker 4: He yeah, I got down on one knee and proposed
• 14:26
  Speaker 4: in the back you've been carrying around champagne.
• 14:29
  Speaker 3: Oh so sweet.
• 14:33
  Speaker 2: So it was a surprise and he saved for the
• 14:36
  Speaker 2: ring and you had literally no idea.
• 14:38
  Speaker 4: Yes, I had no idea. So he told me he'd
• 14:40
  Speaker 4: had it for quite a few months and kept it
• 14:42
  Speaker 4: in the ceiling of the house. I would never look
• 14:48
  Speaker 4: and he designed.
• 14:49
  Speaker 3: What would you be doing in it?
• 14:50
  Speaker 4: Oh?
• 14:51
  Speaker 3: He designed it himself.
• 14:53
  Speaker 4: Yeah, it's beautiful.
• 14:55
  Speaker 3: Oh my gosh. Can you imagine.
• 14:57
  Speaker 1: That's such a lovely story.
• 14:58
  Speaker 2: I just wanted to be really, I was like, she's
• 15:00
  Speaker 2: getting married, she would have had a reposal, let's ask,
• 15:03
  Speaker 2: because I'm only sorry studying that journey and just you know,
• 15:06
  Speaker 2: have you did you guys have conversations about marriage and
• 15:09
  Speaker 2: what that looked like and you know the financial.
• 15:12
  Speaker 3: Aspects of that.
• 15:14
  Speaker 4: Yeah, definitely. I think we were both so our relationship
• 15:18
  Speaker 4: started really slow for the first six months because I
• 15:21
  Speaker 4: think we really wanted to get to know each other properly,
• 15:23
  Speaker 4: and I think that both of us it was really
• 15:25
  Speaker 4: important that our partner was in a good financial situation
• 15:29
  Speaker 4: as well, which we both came into it like that
• 15:32
  Speaker 4: and looked about the future and that kind of thing.
• 15:34
  Speaker 4: We did speak about engagement rings then, Like I said,
• 15:37
  Speaker 4: I didn't really want to be a part of the process.
• 15:39
  Speaker 4: But it was important to me that he didn't go
• 15:41
  Speaker 4: out and splurge or something that was ridiculously experence you,
• 15:43
  Speaker 4: because we have big goals that we wanted. As much
• 15:46
  Speaker 4: as I would love a big, flushy ring in it
• 15:49
  Speaker 4: is I think big and flushy enough for me anyway,
• 15:52
  Speaker 4: that's not I suppose what we value.
• 15:56
  Speaker 3: Yeah, and it's nice to ask these questions too, because
• 15:59
  Speaker 3: it's not often and it you know, if your friend
• 16:01
  Speaker 3: gets engaged, you don't go how much was your ring?
• 16:03
  Speaker 3: Did you guys talk about the money values you had
• 16:05
  Speaker 3: together before you got engaged? Like that's why I really
• 16:08
  Speaker 3: like this podcast and the I guess anonymity that you
• 16:11
  Speaker 3: have so I can ask that and we can listen
• 16:13
  Speaker 3: is if we're friends.
• 16:14
  Speaker 1: And most people would be quite offended if you like,
• 16:16
  Speaker 1: if someone went on I'm engaging, how much was your ring?
• 16:19
  Speaker 1: And did you talk about it before?
• 16:21
  Speaker 3: And oh my gosh, how offensive? Like I don't know,
• 16:23
  Speaker 3: it's not coming from a malicious place. You are a
• 16:26
  Speaker 3: bit pervy, but you never get to ask those questions
• 16:28
  Speaker 3: in real life, So let's ask them me here, And
• 16:30
  Speaker 3: how's wedding planning going? What's the budget for that?
• 16:33
  Speaker 4: Look like, sorry, oh my gosh.
• 16:37
  Speaker 3: I know.
• 16:40
  Speaker 4: So initially we had a figure in mind, and then tell.
• 16:44
  Speaker 1: Us the figure.
• 16:47
  Speaker 3: I agree, mind, this is the one.
• 16:50
  Speaker 2: You don't just go, oh, we'll thinking about a number,
• 16:53
  Speaker 2: my love, what was that number?
• 16:55
  Speaker 4: So the figure was twenty thousand?
• 16:58
  Speaker 3: Yeah three good budge, that's big.
• 17:00
  Speaker 1: That's substantial for sure. Yeah.
• 17:03
  Speaker 4: But then and we had a really clear picture of
• 17:06
  Speaker 4: what we wanted for the wedding as well, so that
• 17:07
  Speaker 4: made it really easy. I went away and contacted like
• 17:10
  Speaker 4: fully bo different venues and vendors and spoke with them
• 17:14
  Speaker 4: and got prices. So when I added it up, and
• 17:16
  Speaker 4: I mean, we're not doing anything super extra, like the
• 17:19
  Speaker 4: wedding is just going to be super late back and
• 17:21
  Speaker 4: kind of pickic festivally start two trucks, Tony and I.
• 17:27
  Speaker 2: Well, we'll send you our address, you can send the invite,
• 17:30
  Speaker 2: ride on over.
• 17:31
  Speaker 1: We don't need plass ones. We'll just go together.
• 17:32
  Speaker 2: Yeah, we'll actually just go together, So don't worry about
• 17:34
  Speaker 2: a class one for us.
• 17:36
  Speaker 3: I would love that.
• 17:40
  Speaker 4: But yeah, it adds up really quickly. So that quickly
• 17:43
  Speaker 4: went over that twenty K limit. And when I sat
• 17:46
  Speaker 4: down with my partner. We went through everything line by
• 17:48
  Speaker 4: line and we thought what we were wanting to pay
• 17:51
  Speaker 4: for everything was really justifiable. But you know, when you're
• 17:54
  Speaker 4: added all up, it went over that. So it's probably
• 17:57
  Speaker 4: going to be around twenty five thousand dollars.
• 18:00
  Speaker 2: Now, that's still under the average of thirty four thousand
• 18:03
  Speaker 2: dollars for a wedding here in Australia.
• 18:05
  Speaker 3: So I don't think it's that bad.
• 18:07
  Speaker 4: No, I think it's pretty good. And like I said,
• 18:09
  Speaker 4: we want to pay all of it in cash. We
• 18:11
  Speaker 4: don't want to put anything on credit or anything like that.
• 18:14
  Speaker 4: So yeah, I'm happy with that.
• 18:15
  Speaker 2: Biggup, you're like a dream, Like what everybody listening's like,
• 18:19
  Speaker 2: she's making this up.
• 18:20
  Speaker 1: I bet you it sounds like it's me with a
• 18:22
  Speaker 1: voice to coder on like, it doesn't sound like.
• 18:24
  Speaker 2: It's actually genuinely so so impressive.
• 18:28
  Speaker 3: Are you proud of yourself? Yeah?
• 18:31
  Speaker 4: I think I think I am. I do often kind
• 18:35
  Speaker 4: of struggle with a bit of imposter syndrome sometimes, but when,
• 18:39
  Speaker 4: especially when you read that email back to you, I
• 18:40
  Speaker 4: was like.
• 18:41
  Speaker 1: Cool, she's cool a person, and like you said in
• 18:46
  Speaker 1: the email, you know, oh I've got a I've got mentors.
• 18:48
  Speaker 1: That tell me a piece of paper doesn't mean anything.
• 18:50
  Speaker 1: And I will tell you firsthand this is my experience.
• 18:55
  Speaker 1: I've got the piece of paper, and I still struggle
• 18:57
  Speaker 1: with imposter syndrome every single day. I don't.
• 19:00
  Speaker 3: Oh my gosh, me too.
• 19:02
  Speaker 1: You know, it's not only that it doesn't make a
• 19:04
  Speaker 1: differences in like, if you're good at the job, you're
• 19:06
  Speaker 1: going to get it, but it doesn't make you feel
• 19:08
  Speaker 1: more confident, and especially as a female, often females that
• 19:12
  Speaker 1: you see larger numbers of imposter syndrome and people experiencing
• 19:16
  Speaker 1: those feelings, and every day for me, at least once
• 19:19
  Speaker 1: a day that there's a second of me going, oh,
• 19:22
  Speaker 1: I'm so lucky to be here, when no, I've actually
• 19:24
  Speaker 1: worked really hard. So you should be really proud of
• 19:26
  Speaker 1: yourself because your background and what you've been able to
• 19:29
  Speaker 1: achieve is just is so impressive.
• 19:32
  Speaker 2: Like, oh, it is so impressive, and I think you
• 19:35
  Speaker 2: touched on something that's really important here as well, Tony.
• 19:38
  Speaker 3: It's not luck, No, you worked really hard.
• 19:40
  Speaker 2: For this, and imposter syndrome is something that I suffer
• 19:44
  Speaker 2: from me I'm always like oh, thanks, and I guess
• 19:48
  Speaker 2: it's why I can't really get behind my cellphone again.
• 19:51
  Speaker 2: You know, obviously we know that I have a few
• 19:54
  Speaker 2: awards and stuff like that, but when it happens, I'm
• 19:56
  Speaker 2: so bad at celebrating those things with my team, with
• 20:00
  Speaker 2: my family, with my friends, because I'm always like, oh, yeah,
• 20:03
  Speaker 2: I got this, and then in the back of my head,
• 20:05
  Speaker 2: I'm like, yeah, but they made a mistake, like they
• 20:07
  Speaker 2: didn't they didn't mean it. Almost recently, I got an
• 20:09
  Speaker 2: award and I was like, oh, yeah, like it's really cool,
• 20:11
  Speaker 2: but I don't know why I got it, Like I
• 20:13
  Speaker 2: don't get it at all, And I really need to
• 20:14
  Speaker 2: pull my own head in because it's cool and we
• 20:17
  Speaker 2: really should back ourselves and we really should have this
• 20:20
  Speaker 2: idea of ourselves that is true and correct. Like I'm
• 20:23
  Speaker 2: so impressed with your story and it has nothing to
• 20:26
  Speaker 2: do with luck and you're absolutely not an imposter. Like
• 20:29
  Speaker 2: it breaks my heart a little bit that I know
• 20:31
  Speaker 2: so many people in our community. So I thought with this,
• 20:34
  Speaker 2: and you know, it's probably something I want to have
• 20:36
  Speaker 2: a deeper conversation about because it is deep and it
• 20:39
  Speaker 2: is meaningful, and it is impactful if we can start
• 20:42
  Speaker 2: backing ourselves in a better way.
• 20:44
  Speaker 1: Yeah, I completely agree, because it's so important to be
• 20:47
  Speaker 1: able to not be cocky and not be not be
• 20:50
  Speaker 1: rude about it, but just to be proud ourselves and
• 20:52
  Speaker 1: back ourselves in. It's so powerful. And if a friend
• 20:55
  Speaker 1: told you that they wont an award, how excited would
• 20:57
  Speaker 1: you be for them? Yeah? Exactly, And we should be
• 21:00
  Speaker 1: doing that to ourselves.
• 21:01
  Speaker 2: Exactly, and so should you, my friend. I feel like
• 21:03
  Speaker 2: you are so impressive. But what is You know a
• 21:08
  Speaker 2: lot of people listening to this are going to have
• 21:11
  Speaker 2: listened and been like, oh wow, I didn't grow up
• 21:13
  Speaker 2: with that situation, and you know I'm not in a
• 21:15
  Speaker 2: better situation now because of it. Like, what is the
• 21:18
  Speaker 2: first step that you really took that helped you get
• 21:21
  Speaker 2: on the right path to being able to be what
• 21:23
  Speaker 2: I would deem to be relatively financially secure for your age.
• 21:28
  Speaker 4: Oh that's a really good question.
• 21:30
  Speaker 3: Oh thank you. I thought of it myself.
• 21:34
  Speaker 4: What would say?
• 21:36
  Speaker 3: I think?
• 21:37
  Speaker 4: Well, I didn't necessarily have the best role model currently,
• 21:43
  Speaker 4: and like, I love both as my parents they were
• 21:45
  Speaker 4: they did the best that they could use what they had.
• 21:48
  Speaker 4: I sposed the time, but there were other people in
• 21:50
  Speaker 4: my life that I could too and be like yep,
• 21:52
  Speaker 4: I want to be more like them, and just because you,
• 21:56
  Speaker 4: you know, might not have the best, you don't have
• 22:01
  Speaker 4: to follow that path. You know, you can make a
• 22:04
  Speaker 4: conscious decision about where you want your life to go,
• 22:07
  Speaker 4: and there will be people out there that will support
• 22:08
  Speaker 4: you and that will believe in you and will if
• 22:10
  Speaker 4: there's time in you to be able to do that.
• 22:12
  Speaker 4: And I've been really lucky, you know, in my personal
• 22:15
  Speaker 4: life and throughout my career, I've had amazing managers that
• 22:18
  Speaker 4: have invested all the time and efforts into me because
• 22:22
  Speaker 4: they could see how hard I would work and how
• 22:26
  Speaker 4: much I really wanted to do my best at everything
• 22:28
  Speaker 4: that I did.
• 22:29
  Speaker 3: Oh, you're going to make Tony cry.
• 22:31
  Speaker 2: She's across the room with her hand on her chairs,
• 22:33
  Speaker 2: being like, oh my gosh, I just.
• 22:35
  Speaker 1: Want you to ring me every morning and be like
• 22:37
  Speaker 1: you can do it, babe, that we can.
• 22:42
  Speaker 3: Do more morning group PEP talks. I like it. We
• 22:44
  Speaker 3: can jump in here and be like, all right, so
• 22:46
  Speaker 3: hype this up. Here we go, here we go. But
• 22:49
  Speaker 3: I love this.
• 22:50
  Speaker 2: I absolutely love this, and I think it is really powerful,
• 22:53
  Speaker 2: especially when it comes to financial literacy.
• 22:55
  Speaker 3: And I'm very very grateful that you, you know, are sharing
• 22:59
  Speaker 3: this story with us.
• 23:00
  Speaker 2: And knowing that you're from Tasmania and knowing you know
• 23:04
  Speaker 2: that's obviously very close to my heart because I grew
• 23:06
  Speaker 2: up there. But then also knowing you didn't finish year
• 23:09
  Speaker 2: ten or you did finish year ten, you didn't do
• 23:11
  Speaker 2: secondary what do you call it VCE that's in Victoria.
• 23:16
  Speaker 3: College.
• 23:17
  Speaker 2: Yeah, so you didn't do college and then you've made
• 23:20
  Speaker 2: it in an area that usually requires a degree. I'm
• 23:23
  Speaker 2: just so genuinely proud of you and proud that you're
• 23:26
  Speaker 2: a part of our community and that you get to
• 23:29
  Speaker 2: be one of the role models for the people listening
• 23:31
  Speaker 2: to our show. Like it's just so special that these
• 23:33
  Speaker 2: stories get to be out there now. And I want
• 23:36
  Speaker 2: to just say thanks for joining us, and thanks for
• 23:39
  Speaker 2: you know, sharing your story because it genuinely is really
• 23:41
  Speaker 2: special to us.
• 23:43
  Speaker 4: Well, thank you so much for having me. I'm glad
• 23:45
  Speaker 4: that I got the opportunity to do this and hopefully
• 23:47
  Speaker 4: inspire the people that you know might not have finished
• 23:52
  Speaker 4: for like I said, high school or college or gone university,
• 23:55
  Speaker 4: that there are still opportunities out there.
• 23:57
  Speaker 3: Oh, you absolutely have. You absolutely have an I think
• 24:00
  Speaker 3: for sure. It's so important. So thank you so much
• 24:03
  Speaker 3: for joining us today.
• 24:05
  Speaker 1: Thanks.
• 24:06
  Speaker 2: Okay, So just before we head off, we'd like to
• 24:08
  Speaker 2: acknowledge and pay respect to Australia's Aboriginal and Torres Strait
• 24:12
  Speaker 2: Islander peoples, the traditional custodians of the lands, the waterways
• 24:16
  Speaker 2: and the skies all across Australia. We thank you for sharing,
• 24:19
  Speaker 2: for caring for the land on which we are able
• 24:21
  Speaker 2: to learn. We pay respects to eldest past and present,
• 24:25
  Speaker 2: and we share our friendship and our kindness.
• 24:27
  Speaker 1: The advice shared on She's on the Money is general
• 24:29
  Speaker 1: in nature and does not consider your individual circumstances. Now, ah,
• 24:33
  Speaker 1: She's on the Money exists purely for educational purposes and
• 24:36
  Speaker 1: should not be relied upon to make an investment or
• 24:39
  Speaker 1: financial decision, and we promise. Victoria Devine is an authorized
• 24:43
  Speaker 1: representative of Australia Pacific Funds Management Proprietary Limited ABN three
• 24:48
  Speaker 1: four one three two four six three two five seven
• 24:51
  Speaker 1: AFSL three three nine one five one.
• 24:54
  Speaker 2: And yeah, thanks to our team of audio wizards, who
• 24:57
  Speaker 2: is actually Tony.
• 24:58
  Speaker 1: It's just me.
• 24:59
  Speaker 3: It's just it's just like two of three kids in
• 25:03
  Speaker 3: a trench code.
• 25:05
  Speaker 2: I'm actually really excited and I think that's something to celebrate, right,
• 25:08
  Speaker 2: like we have a full time audio engineer, producer, co
• 25:11
  Speaker 2: host everything all in one.
• 25:13
  Speaker 1: Now, Oh, I am a wizard.
• 25:14
  Speaker 3: You are a wizard.
• 25:15
  Speaker 1: Harry, You're a wizard.
• 25:17
  Speaker 3: Tony not as attractive as Harry.
• 25:20
  Speaker 2: Anyway, we would love it if you joined our Facebook
• 25:23
  Speaker 2: group where our community shares money, tips and tricks every
• 25:26
  Speaker 2: single day, free of judgment.
• 25:28
  Speaker 3: So she's on the money on Facebook and join us.
• 25:30
  Speaker 2: If Facebook snunty think that is more than cal find
• 25:33
  Speaker 2: us on Instagram as well, where she's on the money
• 25:35
  Speaker 2: a us where Tony.
• 25:36
  Speaker 3: We just hit one hundred thousand friends. Are they friends
• 25:39
  Speaker 3: or followers? I don't want to say followers.
• 25:40
  Speaker 1: I don't like followings. Sounds a little bit weird, but
• 25:43
  Speaker 1: you're definitely friends.
• 25:44
  Speaker 3: We have a hundred thousand friends.
• 25:45
  Speaker 1: That's too many friends.
• 25:46
  Speaker 3: They're not going to afford the birth parties.
• 25:49
  Speaker 1: Honestly, imagine if you had one hundred thousand people calling
• 25:52
  Speaker 1: up to sleep on your couch after a night out.
• 25:54
  Speaker 3: Some it's not gonna happen. Anyway.
• 25:56
  Speaker 2: You're welcome if you need to, but maybe not the
• 25:59
  Speaker 2: one hundred thousand and others. Anyway, don't forget to rate, review,
• 26:02
  Speaker 2: subscribe on whatever app you use. We appreciate literally every
• 26:06
  Speaker 2: single thing you guys do for us.
• 26:07
  Speaker 3: See you next week. Hey,