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MONEY DIARIES: 6 Figures at 19, Without a Uni Degree! · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr
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Speaker 1: the Order Kerney Whoalbury and a waddery woman. And before
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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
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Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming
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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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Speaker 1: and the storytelling of you to make a difference for
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Speaker 1: today and lasting impact for tomorrow.
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Speaker 2: Let's get into it. She's on the Money. She's on
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Speaker 2: the Money.
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Speaker 3: Hello, and welcome to She's on the the podcast for
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Speaker 3: millennials who want financial freedom. Welcome back to another one
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Speaker 3: of our money diaries where we get to talk to
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Speaker 3: one of our incredible She's on the Money community members
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Speaker 3: all about their journey. Let's jump straight into it this
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Speaker 3: week because we got a message and it went a
1:15
Speaker 3: little bit like this, Dear, She's on the Money. I
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Speaker 3: was born in India and then moved to England before
1:22
Speaker 3: coming to Australia. Money has always been difficult in my family,
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Speaker 3: but my mum is a model of hard work and
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Speaker 3: the made breadwinner in the family working as a nurse.
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Speaker 3: I'm nineteen years old, i earned six figures without a
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Speaker 3: university degree, and I've just bought an apartment. I'd love
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Speaker 3: to share my story with you, Ah, money Diarist, I'd
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Speaker 3: love you to.
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Speaker 2: Share your story with me too. Thank you for coming
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Speaker 2: on the show, Thanks.
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Speaker 4: For having me.
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Speaker 3: Oh my gosh, I am so excited. How are you
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Speaker 3: so young and bought an apartment and earning six I've
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Speaker 3: just got questions. I've got so many questions. But let's
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Speaker 3: start Money Diries, as we always do. I want to know,
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Speaker 3: if you were going to give yourself a grade, how
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Speaker 3: would you rate your money habits from an A through
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Speaker 3: to an F.
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Speaker 4: I think I would give myself a minus.
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Speaker 2: An A minus.
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Speaker 3: Ooh, given your nineteen earned six figures and bought an apartment,
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Speaker 3: I expected a plus. But we will get to understanding
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Speaker 3: that a little bit later in the show Money Diaries.
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Speaker 3: Let's jump into the most exciting question of the show.
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Speaker 3: I want to know, can you tell us a little
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Speaker 3: bit about your money story?
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Speaker 4: Yep, So we didn't talk a whole heap about money
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Speaker 4: when I was young, but I know we didn't struggle
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Speaker 4: a whole heap because my mom sent me to private school,
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Speaker 4: which I was very grateful about. And so my mom's
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Speaker 4: always been a very good saver. She never buys herself
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Speaker 4: clothes or any materialistic items really unless she really needs it.
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Speaker 4: And so for her birthday, if I ask her what
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Speaker 4: she wants or anything, she'll always say, don't buy me anything,
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Speaker 4: save your money. I'd rather you not spend it on me,
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Speaker 4: which I've always thought he's really sweet, and so on
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Speaker 4: the other side, my dad's been more of a spender.
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Speaker 4: He's more of the idea that you only have one
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Speaker 4: life and you should sort of live it to the
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Speaker 4: best life possible, and so it's been interesting seeing both sides,
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Speaker 4: and so they both had their differences and a lot
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Speaker 4: of arguments stemmed from this idea. Because my mum was
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Speaker 4: more of a saver, my dad was more of a spender,
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Speaker 4: and so growing up, Mom's always told me to work hard,
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Speaker 4: save money, and get a good job, and so I've
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Speaker 4: always been a pretty good saver luckily, but my parents
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Speaker 4: have never really taught me anything about budgeting or investing,
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Speaker 4: because I don't think they were taught by their parents,
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Speaker 4: and so they don't really fully understand it either. So
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Speaker 4: everything that I've learned, I've had to teach myself, either
3:49
Speaker 4: from this podcast, my millennial money, or through books or
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Speaker 4: from researching. And so I've pretty much been working since
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Speaker 4: I was six, and ever since I've gotten my first job,
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Speaker 4: I've always bought everything myself, like clothes, electronics, anything else
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Speaker 4: that I've wanted, and I haven't relied too much on
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Speaker 4: my parents, as they've already done a lot for me already.
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Speaker 4: And so straight out of school, I started working full
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Speaker 4: time and I didn't pursue UNI, which was different compared
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Speaker 4: to all of my friends as they were all going
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Speaker 4: to UNI. So it was definitely a different adjustment and
4:28
Speaker 4: hard for me. So I did TAFE while working straight
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Speaker 4: out of school, and honestly, I haven't looked back since.
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Speaker 3: I love that Because there seems to be, especially at
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Speaker 3: the moment, just so much pressure for you to come
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Speaker 3: straight out of school and straight into a university degree.
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Speaker 3: Where did this idea of no, I don't need a
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Speaker 3: UNI degree come from?
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Speaker 1: Like?
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Speaker 3: Why did you know that TAIFE was the right decision
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Speaker 3: for you, especially given you work in a relatively and
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Speaker 3: we'll get to it, but you work in a relatively
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Speaker 3: tech heavy industry that I would have assumed, and he says,
5:00
Speaker 3: maybe through my naivity, I would have assumed you needed
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Speaker 3: a degree.
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Speaker 4: In Yeah, So it definitely stemmed from being in school.
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Speaker 4: My IT teacher pretty much helped me get a trainee
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Speaker 4: ship straight after school, and I guess talking to people
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Speaker 4: while I was working also made me realize that I
5:19
Speaker 4: didn't really need a UNI degree and if I wanted
5:21
Speaker 4: a UNI degree, I could always go back and get
5:24
Speaker 4: it afterwards, and I would have the organization I was
5:27
Speaker 4: working at to support for me to pay for it.
5:30
Speaker 4: And I guess money was also another factor. I was
5:33
Speaker 4: more looking to start working rather than having to pay
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Speaker 4: off university, and so that really also persuaded me, And
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Speaker 4: I was like, getting hands on experience also seems like
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Speaker 4: a no brainer.
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Speaker 3: I love that, and I love that you just knew
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Speaker 3: that that's what would work for you personally. So can
5:50
Speaker 3: you tell us a little bit about what you actually
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Speaker 3: do for work now and how much money you earn.
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Speaker 4: I'm a cyber consultant and I currently earn one hundred
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Speaker 4: and five K a year, not including super.
6:01
Speaker 3: Not including super Yeah, and you're nineteen. Yeah, I'm about
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Speaker 3: to nah nah, this is wild.
6:07
Speaker 2: That is wild. Can you tell me how you got there?
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Speaker 3: Because you don't just come out of school and someone goes, hey, money, diarist,
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Speaker 3: here's one hundred and five grand be a cyber consultant. Like,
6:18
Speaker 3: tell me a little bit about that career journey, because
6:20
Speaker 3: I know there's going to be one.
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Speaker 4: Yeah. So, straight out of school, as I mentioned earlier,
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Speaker 4: I was working full time. So I was doing a
6:28
Speaker 4: trainee ship where I did TAFE as well, and so
6:31
Speaker 4: I did a year of that and then I got
6:34
Speaker 4: promoted and then after that I was in the role
6:39
Speaker 4: and it was pretty stagnant, and I was like, oh,
6:41
Speaker 4: I want something else that challenges me. And so I
6:43
Speaker 4: started applying to all these jobs. And at the time,
6:46
Speaker 4: I honestly didn't think anything of it. I didn't think
6:49
Speaker 4: I had enough skills or anything like that. But my
6:51
Speaker 4: supervisor at the time was like, just apply for it,
6:54
Speaker 4: you never know, and she was really supportive, which I'm
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Speaker 4: grateful for.
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Speaker 2: I love that.
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Speaker 4: And so I actually got this job through another interview
7:03
Speaker 4: that I was doing and the lady who was interviewing
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Speaker 4: me recommended me to someone in my team. So it
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Speaker 4: was through networking pretty much that I got this job.
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Speaker 3: Well, that is so impressive as somebody who's not very
7:17
Speaker 3: good at cybersecurity and all of her passwords match.
7:20
Speaker 2: Could you please tell me a little.
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Speaker 3: Bit about what that sector includes, like what is your
7:24
Speaker 3: actual job and if somebody in the she's on the
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Speaker 3: money community was interested in getting into it, like what
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Speaker 3: would your advice be.
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Speaker 4: So there definitely is a lot to cyber and the
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Speaker 4: pathway I've gone down, I would say, is more of
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Speaker 4: the non technical one, which is exactly what I wanted.
7:42
Speaker 4: So it really depends sort of the work that you're
7:45
Speaker 4: doing at the moment, but day to day or more
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Speaker 4: long term, it's more of reading documentation and writing reports
7:55
Speaker 4: and conducting interviews. That's pretty much the three main things.
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Speaker 3: Yeah, wow, and do you like what you do? You
8:03
Speaker 3: said before, this is pretty much what I wanted? Is
8:05
Speaker 3: it what you wanted to do?
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Speaker 4: Yes, it definitely is. The team I'm in is honestly amazing.
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Speaker 4: It's just such a positive work culture there. And sometimes
8:15
Speaker 4: I do feel like an impost just because of how
8:17
Speaker 4: young I am, But I just have to remind myself
8:20
Speaker 4: that my age doesn't really determine my professional value.
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Speaker 2: Yes, one hundred percent, I love that.
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Speaker 4: Yeah, but everyone's super supportive and whatnot. So that's always
8:30
Speaker 4: been really helpful.
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Speaker 2: So good.
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Speaker 3: All right, you said before that you've just bought an apartment.
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Speaker 3: I want to know, though, what is your big money goal? Like,
8:37
Speaker 3: what are we working towards. You're nineteen and have a
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Speaker 3: killer income. Surely you've got big plans.
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Speaker 4: My main money goal at the moment is probably to
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Speaker 4: pay off the mortgage and then by an investment property
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Speaker 4: after that.
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Speaker 3: Wow, And is that so that you can retire early
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Speaker 3: or create financial freedom or like why is an investment
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Speaker 3: property something that you're like, oh my gosh, this is
9:03
Speaker 3: what I want to do next.
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Speaker 4: Honestly, I think it's for financial freedom. Like I never
9:08
Speaker 4: want to be in a position where I have to
9:10
Speaker 4: rely on someone, and I want to be able to
9:15
Speaker 4: be in a place where I can comfortably retire and
9:19
Speaker 4: not worry too much about money. And I feel like
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Speaker 4: buying an investment property might be a good idea.
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Speaker 2: Love, love, love.
9:27
Speaker 3: I want to know next, do you have any investments?
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Speaker 3: If so, what are they?
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Speaker 4: Yes, I do so. I have my super of course,
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Speaker 4: and then I have a couple grand in spaceship, a
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Speaker 4: little bit in crypto, and a few more grand in ETF.
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Speaker 4: So all together I have about fifteen grand not including
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Speaker 4: my super at the moment.
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Speaker 3: Hey, how good is that? And what do your contributions
9:59
Speaker 3: to and that look like? Is that something that you're
10:01
Speaker 3: doing monthly or is it a little bit more sporadic
10:04
Speaker 3: or how are you planning that out?
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Speaker 4: Honestly, I haven't done much contribution in a while, just
10:10
Speaker 4: because I really want to get the mortgage paid off.
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Speaker 4: It is something that I just put a bunch of
10:16
Speaker 4: money into. I think it was maybe one or two
10:19
Speaker 4: years ago, and I've sort of just let it sit
10:22
Speaker 4: there and forget about it.
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Speaker 2: Yeah, oh my gosh, money Diarist.
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Speaker 3: In your letter, you said money's always been really difficult
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Speaker 3: in my family, but my mum has been a model
10:32
Speaker 3: of hard work, which I adore. Can you tell me
10:35
Speaker 3: a little bit more about I guess how supportive your
10:39
Speaker 3: parents are or what they think you do, because I
10:41
Speaker 3: feel like, especially when you mentioned I was born in
10:44
Speaker 3: India and then I moved to England and then to
10:46
Speaker 3: Australia and your mum having been a nurse, I feel
10:50
Speaker 3: like sometimes they don't particularly understand the industry that you
10:54
Speaker 3: might have gone into. What did they think that you
10:57
Speaker 3: get up to.
10:58
Speaker 4: Yeah, so you're actually right there. Don't understand a whole
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Speaker 4: heap about what I do, and when I was looking
11:04
Speaker 4: at like job options, they didn't really have too much
11:07
Speaker 4: to say because they honestly just didn't understand the industry. However,
11:12
Speaker 4: I did explain to them that you don't always need
11:15
Speaker 4: a Uni degree, which I found was kind of hard
11:17
Speaker 4: for them to understand at the start, because they were
11:20
Speaker 4: under the idea that you go to school, you get
11:23
Speaker 4: a UNI degree, and then you work, and me going
11:26
Speaker 4: down this path where they were kind of a little
11:28
Speaker 4: bit confused. But they're both very supportive and they're very
11:32
Speaker 4: happy with where I am at the moment, which I'm
11:35
Speaker 4: extremely grateful for.
11:36
Speaker 2: Of course they are.
11:37
Speaker 3: I'd be insanely proud if you were my daughter, I asked,
11:41
Speaker 3: because I actually have a few girlfriends who are Indian
11:44
Speaker 3: and they feel like Indian parents in particular, they just
11:48
Speaker 3: really want that university level degree. They want you to
11:51
Speaker 3: go out and become a doctor or a lawyer or something.
11:54
Speaker 3: That just really makes a lot of sense because obviously
11:57
Speaker 3: they want the best for their kids growing up.
12:00
Speaker 2: Did you ever feel that pressure a little bit?
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Speaker 4: I wouldn't say a whole heap My parents were always
12:05
Speaker 4: quite open to different ideas, although my mom did try
12:09
Speaker 4: to convince me to become a nurse, although that didn't
12:12
Speaker 4: work out.
12:13
Speaker 3: I mean, she's got experience, it makes sense, it's a
12:15
Speaker 3: good career. Yeah, But during school they sort of knew
12:20
Speaker 3: that I was interested in it, and so I think
12:23
Speaker 3: they sort of understood that I would kind of go
12:26
Speaker 3: down that pathway. Yeah, air pic and moving forward, I
12:30
Speaker 3: want to know a little bit more about I guess
12:32
Speaker 3: life plans. Obviously, you've got career plans, you have an
12:35
Speaker 3: air pick income, What did the next steps in your.
12:38
Speaker 2: Career look like?
12:39
Speaker 3: As well as I guess life because you said before,
12:42
Speaker 3: what my first apartment? I want to, you know, buy
12:45
Speaker 3: an investment property at some point, smash down the mortgage,
12:48
Speaker 3: But like, what does the lifestyle around that look like?
12:51
Speaker 3: Because I feel like you're in this position where the
12:53
Speaker 3: world is your oyster.
12:55
Speaker 2: I guess yeah.
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Speaker 4: So I haven't actually put a whole heap of thought
12:59
Speaker 4: into this. I do know that I'm quite comfortable at
13:03
Speaker 4: the moment, and I'm sort of happy with where I
13:07
Speaker 4: am at the moment, So I haven't actually put a
13:10
Speaker 4: whole heap of thought into future. And what I'm sort
13:13
Speaker 4: of expecting, so I guess I can't comment a whole
13:15
Speaker 4: heap about that.
13:16
Speaker 2: Actually, no, it's so fine.
13:18
Speaker 3: I just love asking those questions because from my perspective,
13:22
Speaker 3: I'm like, oh my gosh, this money direst is so
13:24
Speaker 3: driven and so motivated and clearly so intelligent.
13:28
Speaker 2: I bet she has it all worked out.
13:29
Speaker 3: And I had a sneaky suspicion that you would actually
13:32
Speaker 3: say that, because I was like, everyone has this underlying
13:35
Speaker 3: idea that you might just have everything figured out because
13:37
Speaker 3: you earn a lot of money, and that's not necessarily
13:40
Speaker 3: the case. All right, let's go to a really quick break,
13:43
Speaker 3: and after the break, I want to talk about debt.
13:45
Speaker 3: I want to talk about money habits, but I also
13:47
Speaker 3: want to talk about what it's like to earn more
13:50
Speaker 3: than one hundred grand when you're nineteen, and maybe your
13:52
Speaker 3: friends don't. So don't go anywhere, guys, right, money Darist,
14:01
Speaker 3: We are back, and I'm actually just going to jump
14:03
Speaker 3: straight into the juicy stuff. I'm assuming you've got friends
14:06
Speaker 3: right now who are at university, who are hustling hard,
14:09
Speaker 3: who are probably you know, working after hours while studying
14:13
Speaker 3: full time. What is it like being the friend that
14:16
Speaker 3: is earning six figures while all your other friends are
14:19
Speaker 3: probably still at university and haven't quite caught up yet.
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Speaker 4: That is a very good question. I actually haven't really
14:26
Speaker 4: thought a whole heap about that. Obviously. My friends know
14:29
Speaker 4: what I do for work, and some of them I've
14:32
Speaker 4: told how much I earn. Most of the time they're
14:36
Speaker 4: just like, oh, I wish I didn't go to UNI
14:38
Speaker 4: and I did what you did.
14:40
Speaker 2: I'm thinking that right now too.
14:42
Speaker 4: Yeah, And they're like, oh, I wish I, you know,
14:46
Speaker 4: didn't do this degree and I did sort of like
14:48
Speaker 4: an IT degree and stuff like that. But I do
14:51
Speaker 4: sort of paint a good picture about the industry that
14:54
Speaker 4: I'm in because I think there needs to be more
14:56
Speaker 4: women in this industry. I think that's sort of the
14:59
Speaker 4: main lacking factor, and so I'm always trying to convince
15:03
Speaker 4: my friends to like work with me and whatnot.
15:06
Speaker 2: I love that.
15:07
Speaker 3: Do you think your friends, in any way, shape or form,
15:10
Speaker 3: I guess compare themselves to you, because it must be so.
15:14
Speaker 3: I'm just reflecting on my experience. When I was nineteen,
15:17
Speaker 3: I was at university. I was looking at getting myself
15:19
Speaker 3: in even more personal debt than I currently was. In
15:22
Speaker 3: I was working three part time jobs and studying full time.
15:26
Speaker 3: So if I had a friend like you, I know
15:29
Speaker 3: I would be looking at you going wow, how does
15:31
Speaker 3: she do it?
15:31
Speaker 2: Is she a wizard?
15:33
Speaker 3: Do you think that your friends look at you in
15:35
Speaker 3: a comparison way at all? And if so, like, how
15:38
Speaker 3: do you think you can combat that?
15:40
Speaker 2: I'm not too sure.
15:41
Speaker 4: Like, I'm sure they would at some point, but I
15:44
Speaker 4: always try and remind people that comparison is the thief
15:48
Speaker 4: of joy.
15:49
Speaker 2: Amen.
15:50
Speaker 4: Yes, which I actually always try and keep close to
15:53
Speaker 4: me and remind that to myself.
15:54
Speaker 3: Do you find yourself comparing yourself to other people on
15:58
Speaker 3: a regular basis?
15:59
Speaker 4: Yeah, I do, but I try and remind myself that
16:03
Speaker 4: I shouldn't, and I'm already in a very good position,
16:07
Speaker 4: which I'm extremely grateful for. But sometimes it is hard
16:10
Speaker 4: to not compare yourselves. But yeah, I guess you just
16:15
Speaker 4: have to remind yourself sort of how much you've achieved
16:18
Speaker 4: and how well you're sort of doing, although sometimes it
16:21
Speaker 4: is hard to remind yourself that.
16:24
Speaker 3: That totally makes sense. You mentioned earlier that you've just
16:27
Speaker 3: bought your first apartment. I want to know more about
16:29
Speaker 3: that and the process you went through. Because the next
16:31
Speaker 3: question I've got for you is do you have any debt?
16:33
Speaker 3: And you mentioned a mortgage, So tell me a little
16:36
Speaker 3: bit more about your home buying process.
16:38
Speaker 4: So the main thing I would say about it is
16:41
Speaker 4: that I wish I did a little bit more research.
16:45
Speaker 4: I feel like I kind of jumped in to buying
16:49
Speaker 4: an apartment because I found that it was a good time. Obviously,
16:53
Speaker 4: I wouldn't go back and do anything differently. I'm quite
16:57
Speaker 4: happy with the place I'm in at the moment, but
16:59
Speaker 4: I do wish I spoke to different people and whatnot.
17:03
Speaker 4: But it was pretty smooth, I would say. But I
17:06
Speaker 4: had a mortgage broker who was super nice, and he
17:10
Speaker 4: sort of stepped me through everything, so the process was
17:14
Speaker 4: essentially pretty much seamless.
17:16
Speaker 2: How good.
17:17
Speaker 3: That is exactly what you want when you have a
17:19
Speaker 3: good mortgage broker. So how much debt have you taken on?
17:23
Speaker 2: My friend?
17:24
Speaker 4: So, five hundred and sixty five is what the apartment
17:31
Speaker 4: we bought it at, and currently it's sitting at four
17:35
Speaker 4: hundred and fifty.
17:37
Speaker 3: What that is so good? Didn't you only purchase that recently?
17:42
Speaker 4: Yeah, it's been about six months now. But pretty much
17:45
Speaker 4: all my savings goes into it, So that's why.
17:50
Speaker 3: How good that sounds like an epic habit to have,
17:53
Speaker 3: especially so young. The next question I've got for you,
17:56
Speaker 3: I want to know what do you think your best
17:57
Speaker 3: money habit is?
17:59
Speaker 4: My best money it has to be that I'm very
18:02
Speaker 4: good at saving money and buying stuff on sale, whether
18:07
Speaker 4: it's clothes or groceries, to try and use half price
18:12
Speaker 4: app or use deepop a lot more. For my formal
18:16
Speaker 4: I bought my dress off deep Hop and then after
18:19
Speaker 4: formal I just resold it again because I knew I
18:21
Speaker 4: was never going to wear it, So that probably has
18:24
Speaker 4: to be my best money habit.
18:27
Speaker 3: And on the flip side of that, well, do you
18:29
Speaker 3: think your worst money habit is.
18:31
Speaker 4: My worst money Habit would be that I'm a little
18:35
Speaker 4: bit of an online shopper and I feel like I'm
18:39
Speaker 4: always doing online shopping and trying to find stuff to
18:42
Speaker 4: buy even though I don't need it. But I feel
18:45
Speaker 4: like you can never have too much clothes sometimes. But
18:50
Speaker 4: that's probably my worst habit.
18:52
Speaker 2: I love it.
18:53
Speaker 3: Earlier in our episode, you mentioned that you would give
18:56
Speaker 3: yourself an A minus. Can you talk me through what
18:59
Speaker 3: it would take to get you from an as to
19:01
Speaker 3: an A plus, and do you still think you're an
19:04
Speaker 3: A minus after our chat?
19:05
Speaker 4: I do think I am still an A minus. And
19:09
Speaker 4: what would take me to an A would be putting
19:13
Speaker 4: more money into stocks or something on a regular basis,
19:16
Speaker 4: because that's just something that I've kind of forgotten about.
19:20
Speaker 3: That makes absolute sense. I feel like diversifying is something
19:24
Speaker 3: we need to prioritize. But my friend, you were in
19:26
Speaker 3: the first year of your mortgage. It is important to
19:28
Speaker 3: make sure that that is the priority and that you
19:31
Speaker 3: are really comfortable. And you're only nineteen, so you have
19:35
Speaker 3: heaps of time ahead of you. Money Diarist, I have
19:38
Speaker 3: had such a good time having a chat with you.
19:40
Speaker 2: I feel like.
19:41
Speaker 3: Knowing that you're nineteen and earning six figures don't have
19:45
Speaker 3: a university degree is actually really really inspiring. So before
19:49
Speaker 3: we go, I want to know if people are listening
19:51
Speaker 3: to this and the either aren't happy in their career
19:54
Speaker 3: and they've gone, oh my gosh, money Diarist sounds like
19:57
Speaker 3: she is having an epic time over in cybers security.
20:00
Speaker 3: What would you say about getting into the industry, Like,
20:03
Speaker 3: where would we start if we wanted to follow in
20:05
Speaker 3: your footsteps.
20:06
Speaker 4: I would definitely say start by looking at seek, and indeed,
20:11
Speaker 4: I feel like there's people always hiring, and even though
20:15
Speaker 4: you might think you're not suitable for it, apply for
20:17
Speaker 4: it anyways. You never know, and even if you don't
20:21
Speaker 4: get it, you've still been networking with someone and that
20:24
Speaker 4: always has benefits.
20:26
Speaker 2: I love that.
20:26
Speaker 3: I feel like that's such a smart place to be.
20:29
Speaker 3: I was talking on TikTok the other day, Money Diarist,
20:31
Speaker 3: just put your hat in the ring and give it
20:33
Speaker 3: a go, because what's the worst.
20:34
Speaker 2: Thing they could say.
20:35
Speaker 3: They just say no, And what do you get out
20:37
Speaker 3: of it a good experience and maybe a network. You
20:39
Speaker 3: are so right, agreed, Money Diarist. It has been a pleasure.
20:43
Speaker 3: Thank you so much for sharing your money story with us.
20:46
Speaker 3: And I know the community is going to eat this
20:48
Speaker 3: one up, so thank you so much for joining us.
20:51
Speaker 4: Thank you so much for having me here.
20:59
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