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Would You Rather: Further Your Career or Your Place in the Property Market? · She's On The Money

• 0:00
  Speaker 1: My name is Satasha Bamblet. I'm a proud First Nations
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  Speaker 1: woman and I'm here to acknowledge country. Te Glenn Young Ganya, Niana,
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  Speaker 1: Kaka yah Ya, Binahwaka Nian our gay In, Nimbini, yak
• 0:12
  Speaker 1: um Jar, Dominyamiga Umaga, Ihowaka, Nwaman, damon Immalan, Bumba, bang
• 0:17
  Speaker 1: Gadabomba in and now in Waka Ghana and yak rum
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  Speaker 1: Jar Watanadaa. Hello, beautiful friends, we gather on the lands
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  Speaker 1: of the Aboriginal people. We thank acknowledge and respect the
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  Speaker 1: Aberiginal people's land that we're gathering on today. Take pleasure
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  Speaker 1: in all the land and respect all that you see.
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  Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,
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  Speaker 1: bringing you the tools, knowledge and resources for you to thrive.
• 0:44
  Speaker 2: She's on the Money. She's on the Money.
• 0:51
  Speaker 3: Hello, and welcome to She's on the Money, the podcast
• 0:53
  Speaker 3: that makes personal finance is fun, especially on a Friday.
• 0:57
  Speaker 3: You're just here in time for another episode of Friday Drinks,
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  Speaker 3: the time of the week where we gather to celebrate
• 1:02
  Speaker 3: our incredible shees on the Money community. I'm Victoria Devine
• 1:05
  Speaker 3: and joining me today is none other than Miss Jesse
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  Speaker 3: Rici with this week's money wins and the absolutely brilliant
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  Speaker 3: Becksied the Voice of the people with a suite of
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  Speaker 3: broke tips for our community. Today, we'll be sharing your
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  Speaker 3: unhinged question of the week, an investment property money dilemma,
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  Speaker 3: plus a DM from a community member who might be
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  Speaker 3: putting home ownership on hold for a job opportunity that
• 1:28
  Speaker 3: is simply too good to pass up. Jucy exciting all
• 1:32
  Speaker 3: of those things, There's nothing we love more than answering
• 1:35
  Speaker 3: your dilemmas. Please please please keep sending them through to
• 1:38
  Speaker 3: us by a DAM or head to the website and
• 1:40
  Speaker 3: hit up the podcast page where you can record your message.
• 1:44
  Speaker 3: Where you can record your message using our virtual answering machine.
• 1:47
  Speaker 3: Fancy exactly leave your message after the beep. Now, we
• 1:51
  Speaker 3: also love it when you leave us a review.
• 1:53
  Speaker 2: Yes we do.
• 1:54
  Speaker 3: Yeah, leave us a voicemail, but also leave us a review.
• 1:57
  Speaker 3: We're quite needy and I think that's okay, just like
• 2:00
  Speaker 3: in small doses, which is why we only do one
• 2:03
  Speaker 3: episode on a Friday. But yes, it is indeed that
• 2:06
  Speaker 3: time of the day where I share a five star review.
• 2:10
  Speaker 3: And this one comes from Sandy Pad Sandy or maybe
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  Speaker 3: it's like sand iPad. Anyway, they right, absolute legends. Thank
• 2:19
  Speaker 3: you so much for sharing your wisdom. You always lift
• 2:23
  Speaker 3: my spirits. Such a gorgeous dynamic the three of you
• 2:26
  Speaker 3: have together. I can't stop giggling at bex thoughtful yet
• 2:28
  Speaker 3: seemingly comical expressions during vd's drawn out informative explanations. But genuinely,
• 2:34
  Speaker 3: your podcast has changed my life tenfold. I am eternally grateful.
• 2:40
  Speaker 2: They are so kind expressions. We can they see us.
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  Speaker 2: We're on video now on video? Oh I forgot about that.
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  Speaker 3: Okay, you're watching on YouTube.
• 2:49
  Speaker 2: We're on YouTube. If you're watching on Apple Podcasts on Wednesday, hello.
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  Speaker 3: Every single one of our Wednesday episodes is now a video.
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  Speaker 2: Oh an hdyeah Okay.
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  Speaker 3: If you're not on Apple, like, you can watch us
• 3:01
  Speaker 3: on YouTube. We're not on Spotify yet because they don't
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  Speaker 3: have the same technology. It's a little bit fickle, but
• 3:06
  Speaker 3: we are every single week showing up on Apple. So like,
• 3:09
  Speaker 3: if you open your Apple app, you can actually just
• 3:11
  Speaker 3: switch between audio and video.
• 3:13
  Speaker 2: Now, that's very cool.
• 3:14
  Speaker 3: It sounds like you should have been able to do
• 3:16
  Speaker 3: it like forever, but the reality is technically that's very
• 3:20
  Speaker 3: hard to achieve. So shout out to our entire tech
• 3:23
  Speaker 3: team because that took a lot of pulling together. And
• 3:26
  Speaker 3: I do really appreciate it because it's really fun. Ye.
• 3:31
  Speaker 3: Someone DMed me and they were like, oh, I listened
• 3:33
  Speaker 3: to the podcast, but like, I don't follow you guys
• 3:35
  Speaker 3: on socials. I thought your voices were reversed. Yess is
• 3:41
  Speaker 3: Victoria and Victoria is yes, And I was like, surprise.
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  Speaker 2: Oh my god. Fun. People recognize our voices often before,
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  Speaker 2: like when someone saw me in Spotlight like recently, and
• 3:52
  Speaker 2: she goes, I heard your voice. I knew it was you.
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  Speaker 3: Really, it was crazy. It's like a cute place to
• 3:58
  Speaker 3: find you.
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  Speaker 2: Of course friends. Yeah.
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  Speaker 3: I was about to say, that's very just coded.
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  Speaker 2: Yeah. Should we she start selling because she listened to
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  Speaker 2: the show? Stop.
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  Speaker 3: I'm obsessed with our little community anyway. Thank you guys
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  Speaker 3: for your reviews and also for loving us or me,
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  Speaker 3: particularly for our very drawn out explanations and expressions alike.
• 4:18
  Speaker 3: If you would like your review read out on the show,
• 4:20
  Speaker 3: please leave us one wherever you get your podcasts, Apple, Spotify, wherever.
• 4:24
  Speaker 3: We honestly adore it. All Right, Jess Beck, it is
• 4:27
  Speaker 3: time for our question of the week, and this one
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  Speaker 3: comes with a healthy dose of escapism. Okay. Georgia has
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  Speaker 3: asked if you had two thousand dollars to go on
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  Speaker 3: a holiday anywhere in the next six months, where would
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  Speaker 3: you go and for how long? Is it a short
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  Speaker 3: stay bougie or is that like a maxed out time
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  Speaker 3: and you're doing it on a budget.
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  Speaker 2: My first was Japan because they loved Japan. It was
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  Speaker 2: very affordable, but because they've already been. If I got
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  Speaker 2: three money that was specifically for a holiday, I think
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  Speaker 2: I would want to go. Somewhere in New Korea is
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  Speaker 2: very high on my list.
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  Speaker 3: It's the same I want to do all of the facials.
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  Speaker 2: Yeah, or like maybe to Thailand. I've heard amazing things
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  Speaker 2: about Thailand. Somewhere that's relatively closed. It would be somewhat
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  Speaker 2: affordable flight and I do like kind of mid tier
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  Speaker 2: accommodations that I could spend on the activities and the
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  Speaker 2: food and the shopping and those sorts of things. Do
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  Speaker 2: you reckon?
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  Speaker 3: They do conferences for financing Thailand.
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  Speaker 2: Oh, leave it with me. Maybe we'll host one host one.
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  Speaker 3: No, I want to do less work.
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  Speaker 2: My team retreat to Thailand, less work back.
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  Speaker 4: Where are you going, okay, So I'm assuming we have
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  Speaker 4: two thousand dollars to spend all up, maybe, which is
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  Speaker 4: almost exactly how much I spent when I went to Japan,
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  Speaker 4: just like a year or two ago.
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  Speaker 3: And so it's also like a really good deal, yeah,
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  Speaker 3: because we've got really.
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  Speaker 4: Cheap flights and to be honest, the flight there was
• 5:48
  Speaker 4: approximately fifty hours because I had to stop over everywhere,
• 5:52
  Speaker 4: and that's why also cheap. But and then when I
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  Speaker 4: was there, I spent like twelve dollars a day. Also,
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  Speaker 4: I don't mind about already being a what about like
• 5:58
  Speaker 4: I love.
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  Speaker 3: Japan, I'm obsessed with you.
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  Speaker 4: I did lock Japan, so probably do like eight days
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  Speaker 4: in Japan or genuinely, like I would do ten days
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  Speaker 4: in Service Paradise.
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  Speaker 5: You know what?
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  Speaker 2: I would do a trip to the Red Center if
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  Speaker 2: you haven't done one before, Yes, because we went to
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  Speaker 2: the NT last year and I still think about it.
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  Speaker 2: Looks amazing, incredible.
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  Speaker 3: Or Tazzy.
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  Speaker 2: I'd like to go to Tazzy. Yeah, I have a
• 6:20
  Speaker 2: long list. Sorry, Victoria somewhere from Tazzy.
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  Speaker 3: I don't know how you would spend two thousand dollars
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  Speaker 3: in Tasmania, but let me try.
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  Speaker 2: Yeah, do you know what?
• 6:32
  Speaker 3: Can I just take the kids to Noosa?
• 6:34
  Speaker 2: Yeah?
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  Speaker 3: Is that bad? Like I don't I feel like flights
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  Speaker 3: these days, Like the flights to Nosa would be two
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  Speaker 3: thousand dollars, but like go to the Yeah, yes, let's
• 6:45
  Speaker 3: just pretend it's not like that. Yeah, can I just
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  Speaker 3: do that and like spend the week at like a
• 6:52
  Speaker 3: mid tier accommodation. They will have a pool because that
• 6:55
  Speaker 3: would appease my toddler and we just go to the
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  Speaker 3: beach every day, eat the gelado. Like they have fairy
• 7:02
  Speaker 3: lights in the trees. They're really cute. Or if I
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  Speaker 3: could give my more out of touch answer, I'd spend
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  Speaker 3: the whole two thousand dollars on a really really boogie
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  Speaker 3: weekend at Jackalobe with my husband. Yes, okay, gorgeous, which
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  Speaker 3: is like a luxury hotel on the morning to Mainsula.
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  Speaker 3: Hell yeah, that would I would do the two thousand dollars.
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  Speaker 2: Yea, I love Let us know where you guys would go.
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  Speaker 2: I'm curious, Yeah, curious.
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  Speaker 3: I really like the I just love a staycation.
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  Speaker 2: I love a nice hotel. Don't leave, you didn't leave
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  Speaker 2: the whole time.
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  Speaker 3: Gorgeous yeh. See and I feel like everyone has different
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  Speaker 3: views on that, Like if you go on holidays, I
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  Speaker 3: know Jess couldn't care less about the hotel. You can, actually,
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  Speaker 3: because I've traveled.
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  Speaker 2: With Jess and I've been showing the good life.
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  Speaker 3: Yeah, no, no, no, she likes the good life, like
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  Speaker 3: she wants to feel safe and secure, and like I've
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  Speaker 3: done both with Jess, like we've been through it. We
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  Speaker 3: have stayed in backpackers hostels. We've also stayed in five
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  Speaker 3: style luxury accommodation, so.
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  Speaker 2: Like we just doing what's a girl that does both?
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  Speaker 3: Yeah, exactly. But I don't think I could get her
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  Speaker 3: to comfortably camp for a week only if I.
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  Speaker 2: Was doing like a Dolomite ora, do you know what
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  Speaker 2: I mean? Like I can't make it work like the experience,
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  Speaker 2: but I've never been like a camp on the weekend.
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  Speaker 4: I think by the end of that seven days we'll
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  Speaker 4: have long you would be like you would never go back,
• 8:16
  Speaker 4: You'd be big grills, you'd never go back.
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  Speaker 2: Yet.
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  Speaker 3: No, I just can't imagine Jests. And I do really
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  Speaker 3: want to copy your Japan trip because do you know
• 8:25
  Speaker 3: who's in Japan right now?
• 8:27
  Speaker 2: I saw this, I was gonna ask you about it.
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  Speaker 3: It's so sad I'm missing out my test friends Stephan
• 8:32
  Speaker 3: Rose in Japan. At the moment I was invited, I
• 8:37
  Speaker 3: couldn't go, Like I can't get a job. I've got
• 8:39
  Speaker 3: a job, I've got babies. Like, oh, I'm so frustrating,
• 8:44
  Speaker 3: but loving photos. Oh my goodness. I'm watching my two
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  Speaker 3: best friends like galivant around Japan in the same way
• 8:51
  Speaker 3: that Jess Steph Rose and I gallivanted around Europe once,
• 8:55
  Speaker 3: and I'm just like, why.
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  Speaker 2: Didn't we go?
• 8:58
  Speaker 3: Jess follow unfollowing my bestie?
• 9:01
  Speaker 2: Yeah, do it?
• 9:01
  Speaker 3: You know I'll block her while I'm at it. Anyway,
• 9:04
  Speaker 3: all right, have we inspired you with all of this
• 9:06
  Speaker 3: travel talk? Obviously we love to hear it. If you've
• 9:09
  Speaker 3: got a brilliant question of the week as well, we
• 9:11
  Speaker 3: would love for you to send it to us. We
• 9:13
  Speaker 3: accept comments, we accept dms, we accept compliments.
• 9:16
  Speaker 2: You name it.
• 9:17
  Speaker 3: Would you like to move on to the money wins?
• 9:19
  Speaker 1: Beck?
• 9:19
  Speaker 3: Are you ready? I'm ready?
• 9:20
  Speaker 2: All right?
• 9:20
  Speaker 3: Well, strap in. I feel like our community would be
• 9:23
  Speaker 3: really good at stretching their budget holidays further based on
• 9:25
  Speaker 3: like their money wins alone. So it's jas Gricci, what
• 9:28
  Speaker 3: have you got for us? This week.
• 9:30
  Speaker 2: Very conveniently and coincidentally, I have a holiday themed moneymin
• 9:33
  Speaker 2: from Gemma. He said, I got a price match on
• 9:36
  Speaker 2: accommodation which I booked last year, well before the fuel crisis,
• 9:40
  Speaker 2: which has obviously impacted tourism. So she was scheduled to
• 9:43
  Speaker 2: pay three four hundred and fifteen dollars non refundable for
• 9:46
  Speaker 2: accommodation at ULARU. She looked up the same date, same hotel,
• 9:49
  Speaker 2: same people, and it's now on sale for nineteen hundred.
• 9:52
  Speaker 2: Oh my god, good time to get over there. Apparently
• 9:55
  Speaker 2: so she said it was about a fifteen hundred dollars
• 9:57
  Speaker 2: price difference to email booking dot com and they matched
• 9:59
  Speaker 2: it for her.
• 10:00
  Speaker 3: Amazing.
• 10:01
  Speaker 2: How good is that?
• 10:02
  Speaker 3: Such a good saving and like a lot of money
• 10:05
  Speaker 3: the Red Center we still talk about it.
• 10:07
  Speaker 2: It was great. Highly recommend. Next, I've got a money
• 10:10
  Speaker 2: win from Caitlin, who said I added my newborn onto
• 10:12
  Speaker 2: my flight and thought it would be about one hundred
• 10:14
  Speaker 2: and fifty bucks to do so that's what I budgeted for,
• 10:16
  Speaker 2: but it turned out it was only forty five.
• 10:19
  Speaker 3: Really, yeah, you're newborn onto your floor.
• 10:22
  Speaker 2: Somebody commented, sid aren't they free under two? But Caitlyn's
• 10:25
  Speaker 2: traveling internationally. Sure, I'm not sure if she's going to
• 10:28
  Speaker 2: see I don't know how it worked. I don't know
• 10:30
  Speaker 2: the semantics. All I know is she's saved herself about
• 10:32
  Speaker 2: one hundred bucks.
• 10:32
  Speaker 3: That's a good deal, and I'm here for it. And
• 10:34
  Speaker 3: traveling with kids as somebody who has just had her
• 10:37
  Speaker 3: toddler turn too humbling like I haven't done it yet,
• 10:42
  Speaker 3: but I do know that he is going to need
• 10:44
  Speaker 3: an adult seat.
• 10:47
  Speaker 2: Expensive h Next, I've got money one from Rihanna who
• 10:50
  Speaker 2: said my local op shop was having a closing down
• 10:52
  Speaker 2: sale and everything in store was one dollar. I bought
• 10:56
  Speaker 2: heaps of great things that I needed and I only
• 10:57
  Speaker 2: spent forty bucks.
• 10:58
  Speaker 3: Great, so good, But Quinn, can we have a forty
• 11:01
  Speaker 3: dollar hole? I have forty items. That's the whole YouTube video.
• 11:05
  Speaker 2: I saw a really interesting tiktalk about this. I'm not
• 11:07
  Speaker 2: gonna go too far away because I know that we've
• 11:08
  Speaker 2: got things to get to. But I saw a really
• 11:10
  Speaker 2: interesting TikTok that said there's this crisis where op shops
• 11:12
  Speaker 2: are overflowing with stuff. And they said, well, then why
• 11:15
  Speaker 2: is it all so expensive? Because if you made everything
• 11:17
  Speaker 2: a dollar or even like everything was three dollars.
• 11:19
  Speaker 3: The circular economy would go much quicker. It's an opportunity shop.
• 11:24
  Speaker 2: Yeah, that's also anyway, an episode for another day, exactly.
• 11:27
  Speaker 3: It's taking the mickey I saw on TikTok the other
• 11:30
  Speaker 3: day a girl in Sydney had walked into an op shop.
• 11:33
  Speaker 3: I can't remember which one and probably better not to
• 11:35
  Speaker 3: name and shame. Anyway, she walked into an op shop
• 11:38
  Speaker 3: and saw a sideboard that she wanted to purchase and
• 11:40
  Speaker 3: went up and was like, oh my goodness, like has
• 11:42
  Speaker 3: this just come in? How much is it? Like? She
• 11:43
  Speaker 3: couldn't find the price on it, and the woman wouldn't
• 11:45
  Speaker 3: sell it to her because she said that she wanted
• 11:47
  Speaker 3: to put it on eBay because she get a better price.
• 11:50
  Speaker 2: Oh I don't like that.
• 11:51
  Speaker 3: I don't know, isn't that crazy? She's like, I'm gonna
• 11:53
  Speaker 3: put it on an eBay And she was like, I
• 11:55
  Speaker 3: would love to purchase it, like I actually have a
• 11:57
  Speaker 3: carvet it would fit in. Can I take it? And no, no, no, no,
• 12:00
  Speaker 3: I'm putting it on a beach. She's like, you're an
• 12:02
  Speaker 3: op shop? What the heck is going on? And she
• 12:05
  Speaker 3: would get a better price online. It's like that's actually
• 12:09
  Speaker 3: not ty. Yeah, and it's also really disappointing as somebody
• 12:12
  Speaker 3: who does give to op shops. That's not why I'm
• 12:17
  Speaker 3: giving to them. I'm giving to them because I'm like, oh,
• 12:20
  Speaker 3: this is such a good piece of clothing that I
• 12:21
  Speaker 3: no longer wear and get use out of, but it's
• 12:23
  Speaker 3: still got a lot of life left in it, and
• 12:26
  Speaker 3: I don't want to sell it online, so I'm going
• 12:28
  Speaker 3: to like donate it and hopefully somebody can walk in
• 12:30
  Speaker 3: and be like, oh, I love that pair of jeans
• 12:32
  Speaker 3: and their five bucks money win Like yeah, and they
• 12:34
  Speaker 3: love them and they wear them.
• 12:36
  Speaker 2: Yeah.
• 12:36
  Speaker 4: How do we actually get our clothes to low or
• 12:38
  Speaker 4: no income earners? It's like we don't trust that it's
• 12:40
  Speaker 4: going to go.
• 12:41
  Speaker 3: Yeah, So if anyone has any suggestions of op shops
• 12:44
  Speaker 3: that are actually doing the good work, which ones are they?
• 12:47
  Speaker 3: How do we prioritize who to donate it to when
• 12:50
  Speaker 3: we're donating, because like we do prioritize I don't know
• 12:53
  Speaker 3: on she's on the money, you know, donating, but also
• 12:56
  Speaker 3: like clearing out your closet, like being happy with what
• 12:59
  Speaker 3: you've got, et cetera. But like how do we do
• 13:01
  Speaker 3: that if then people are taking It feels like they're
• 13:03
  Speaker 3: taking advantage.
• 13:04
  Speaker 2: Yeah, and it's hard because I understand that there's overheads
• 13:06
  Speaker 2: and you've got to pay staff, and you know, there's
• 13:08
  Speaker 2: a big conversation around the costs of those things. But
• 13:10
  Speaker 2: I just think, like, if you're saying you're overflowing, like
• 13:13
  Speaker 2: my local lop shop isn't taking donations because they've got
• 13:15
  Speaker 2: so much, can we discount the price and maybe sell
• 13:18
  Speaker 2: more stuff at a lower price? You clear it out,
• 13:20
  Speaker 2: you can still pay everybody, yep.
• 13:22
  Speaker 3: And also, just to be very clear, most stop shops
• 13:24
  Speaker 3: are run by volunteers, so you're not paying anybody.
• 13:27
  Speaker 2: That's what I'm thinking. There you go.
• 13:29
  Speaker 3: Isn't that crazy?
• 13:30
  Speaker 2: And maybe a whole episode for future net?
• 13:32
  Speaker 3: What else have you got?
• 13:33
  Speaker 2: I've got a money from Haley who said she used
• 13:34
  Speaker 2: the shes and the Money goal sheet tracker as a
• 13:36
  Speaker 2: challenge for herself and her hubby. They saved one thousand
• 13:39
  Speaker 2: dollars in three weeks. Stop Now, I don't know, but
• 13:42
  Speaker 2: they no, No.
• 13:43
  Speaker 3: You can't just say you used our savings trucker, what
• 13:46
  Speaker 3: did you do a thousand dollars?
• 13:48
  Speaker 2: She's put a photo of her colored in sheet and
• 13:49
  Speaker 2: said next they're going to tackle the five thousand dollars
• 13:51
  Speaker 2: wart hell y very exciting. And then lastly this week,
• 13:55
  Speaker 2: I've got a money in for Alexandro who said money win.
• 13:57
  Speaker 2: We have wanted a Ninja Creamy since they first release,
• 14:00
  Speaker 2: but I couldn't justify at the price. Last week there
• 14:03
  Speaker 2: was a sale on Amazon and I managed to score
• 14:04
  Speaker 2: a Ninja Creamy Swirl, so a better model, that's one
• 14:07
  Speaker 2: I have. That's when you have for two hundred and
• 14:09
  Speaker 2: twenty dollars, and she got a ten dollar discount coat,
• 14:11
  Speaker 2: so she paid two hundred and ten instead of the
• 14:13
  Speaker 2: usual four hundred guys. Many sales around. You got to
• 14:15
  Speaker 2: tell me.
• 14:18
  Speaker 3: Money win es. And I still need to use my
• 14:20
  Speaker 3: Ninja Creamy to recreate the Peach Soft serve from the
• 14:25
  Speaker 3: Australian Open. Yeah, oh yes, very niche but like delicious,
• 14:30
  Speaker 3: we're on it. We still need to do that. I
• 14:32
  Speaker 3: think that that's peak winter activity. Actually it's an indoor
• 14:35
  Speaker 3: activity and we can pump the heater in my house
• 14:38
  Speaker 3: and pretend it's summer.
• 14:40
  Speaker 5: I like it.
• 14:40
  Speaker 2: That sounds lovely. It's a great. Yeah, you're welcome to join, Yes,
• 14:44
  Speaker 2: so my do everyone come over with summer party?
• 14:46
  Speaker 5: Yeah?
• 14:47
  Speaker 2: Lovely.
• 14:47
  Speaker 3: Come on, I'm very excited, all right. I know we're
• 14:51
  Speaker 3: only just beginning a new financial year, but it's honestly
• 14:54
  Speaker 3: never too soon to be practicing really thrifty habits. Right back,
• 14:58
  Speaker 3: what broke tips you share with us today? Okay, so
• 15:02
  Speaker 3: I have this.
• 15:03
  Speaker 4: First one from Banksy. Great name maybe anonymous who knows
• 15:08
  Speaker 4: Banksy says. I sign up for star Link, which is
• 15:10
  Speaker 4: an internet provider. Then learned about their referral program where
• 15:14
  Speaker 4: you give a referral link and you and the person
• 15:16
  Speaker 4: who uses it to sign up gets one month free.
• 15:19
  Speaker 4: So Banksy posted may link in one of their posts
• 15:22
  Speaker 4: last week and two people used it two months free.
• 15:25
  Speaker 4: So it also reminded me that a lot of people
• 15:27
  Speaker 4: do as I see this in like you know, random
• 15:29
  Speaker 4: you might even find with the Ninja Creamy. There are
• 15:31
  Speaker 4: places you can go on Reddit, for example, and they're like,
• 15:35
  Speaker 4: use my referral code. So the person who uses like
• 15:38
  Speaker 4: it's like a win win, you know what I mean,
• 15:39
  Speaker 4: You get something, they get something. But there are places
• 15:41
  Speaker 4: you can find it where people are trying to give
• 15:44
  Speaker 4: you a referral code if you're looking for one. So
• 15:46
  Speaker 4: banks whatever, whatever you want, but that's just a really
• 15:48
  Speaker 4: good reminder to get out there and look before signing
• 15:51
  Speaker 4: up for anything, before buying anything. See if anyone's got
• 15:54
  Speaker 4: one line around. So the next one comes from Josie,
• 15:58
  Speaker 4: who says, I use my lip bum as eyebrows gel
• 16:00
  Speaker 4: sticks those babies down really well.
• 16:02
  Speaker 3: What I didn't even know that was an option that
• 16:04
  Speaker 3: would be so easy to apply as well.
• 16:06
  Speaker 2: Absolutely, as a certified member of the Crazy Eyebrows Club,
• 16:09
  Speaker 2: I'm going to try it.
• 16:12
  Speaker 3: Sounds eyebrow gel in a lip bum container.
• 16:15
  Speaker 2: Yeah, just a little, Yeah, it would.
• 16:17
  Speaker 3: That's so true too, Like the process would be, that's true, and.
• 16:23
  Speaker 4: They always feel really like dense and sticky. So I'm like,
• 16:26
  Speaker 4: that's staying, do you know what I mean? She also
• 16:28
  Speaker 4: uses Blush's eye shadow, et cetera. So many makeup products
• 16:32
  Speaker 4: can serve as a dual purpose. Don't waste money on
• 16:35
  Speaker 4: every product totally.
• 16:36
  Speaker 3: So right now on my eyes, my eye shadow is
• 16:39
  Speaker 3: my bronzer and my highlighter. Yes, and I do that
• 16:42
  Speaker 3: all the time. And I might have run out of
• 16:46
  Speaker 3: eyebrow gel, and I might be just using a really
• 16:50
  Speaker 3: old schooly and spraying it with my husband's hairspray and
• 16:53
  Speaker 3: then using that.
• 16:54
  Speaker 2: But perfect.
• 16:57
  Speaker 3: I'm coming at it absolutely five, like it's not even
• 17:00
  Speaker 3: good hairspray.
• 17:03
  Speaker 4: And my one is if you're a writer or just
• 17:05
  Speaker 4: enjoy writing or blogging, there's a platform called Medium where
• 17:08
  Speaker 4: you can actually make money for posting or sharing your
• 17:11
  Speaker 4: stuff on there. Apparently, if something goes viral or gets
• 17:14
  Speaker 4: lots of engagement, you can make a good chunk of money.
• 17:17
  Speaker 4: I have heard of some people making like two thousand
• 17:19
  Speaker 4: dollars a week and others like fifty dollars a week.
• 17:20
  Speaker 3: It's like crazy, somebody tweet see I need articles on
• 17:24
  Speaker 3: Medium because when I sometimes google like niche topics, it
• 17:27
  Speaker 3: will come up with a Medium article. They didn't know
• 17:29
  Speaker 3: that it was like commercialized in that way.
• 17:31
  Speaker 2: Like a sub start. Is it kind of the same vibe.
• 17:33
  Speaker 4: I know what subsec is, but I have no idea
• 17:35
  Speaker 4: how it works, but I think it's probably something if
• 17:36
  Speaker 4: they if you can. I don't know how the creators
• 17:39
  Speaker 4: get money. Maybe there's like ads on the side of
• 17:41
  Speaker 4: their blogs or something. But yeah, if you enjoy it,
• 17:44
  Speaker 4: it's like better to just give it a go anyway,
• 17:46
  Speaker 4: even if you don't like that. I really want a
• 17:48
  Speaker 4: substack like I made, like one of my news resolutions
• 17:51
  Speaker 4: was like create a substack, but I just haven't had
• 17:54
  Speaker 4: the capacity to do it. And I also just want
• 17:57
  Speaker 4: to make sure that if I did it, I was
• 17:59
  Speaker 4: actually like doing it.
• 18:01
  Speaker 3: Well, yeah, like allocating the time to actually write stuff
• 18:04
  Speaker 3: of substance and I just don't have enough time. But
• 18:07
  Speaker 3: maybe if I'm making money from it, that changes how
• 18:11
  Speaker 3: much time I allocation.
• 18:12
  Speaker 2: So true? Yeah?
• 18:14
  Speaker 3: Interesting. Okay, if you've got a money in Aora broke
• 18:16
  Speaker 3: tip that you want to share with our community, please
• 18:18
  Speaker 3: join our Facebook group so She's on the Money and
• 18:21
  Speaker 3: get in on the goss at a ground level. When
• 18:23
  Speaker 3: we return from the break, we're going to be covering
• 18:25
  Speaker 3: this week's money dilemma, So don't go away.
• 18:31
  Speaker 2: Welcome back, everybody. Let's take a listen to this week's
• 18:33
  Speaker 2: money dilemma.
• 18:37
  Speaker 6: Hi, there, have you got a money dilemma you just
• 18:39
  Speaker 6: can't solve. The She's on the Money team is here
• 18:42
  Speaker 6: to help.
• 18:42
  Speaker 3: Every week, we tackle your dilemmas, both big and small,
• 18:45
  Speaker 3: to answer your most burning money, career and life questions.
• 18:49
  Speaker 3: To get involved, simply head to our website and leave
• 18:51
  Speaker 3: us a short voice recording and you might just find
• 18:53
  Speaker 3: yourself on the show. Now, let's take a listen to
• 18:56
  Speaker 3: this week's money dilemma. Hello.
• 19:01
  Speaker 5: I thought someone was a bit interesting and thought you
• 19:02
  Speaker 5: might enjoy it. I am currently renting with my fiance
• 19:06
  Speaker 5: and we're looking at purchasing a house, hopefully soon. However,
• 19:10
  Speaker 5: I currently have an investment property in a different city
• 19:13
  Speaker 5: that i'm refinancing. It's a small shoe box over sixties
• 19:18
  Speaker 5: village kind of unit and it has about one hundred
• 19:21
  Speaker 5: K that's left on it. My fiance has always been
• 19:24
  Speaker 5: a big saver, and so he offered to pay off
• 19:27
  Speaker 5: the entirety of the remaining loan. This also means that
• 19:30
  Speaker 5: the potential house deposit for our own place is a
• 19:33
  Speaker 5: bit lower. It being paid off means a bit of
• 19:36
  Speaker 5: less stress for us and potential for a bigger return
• 19:40
  Speaker 5: on investment. But I'm also the opinion that you know
• 19:43
  Speaker 5: this isn't necessarily a bad mortgage to have at this point,
• 19:49
  Speaker 5: but would love your thoughts.
• 19:50
  Speaker 2: Love the pod.
• 19:51
  Speaker 5: Thanks.
• 19:52
  Speaker 3: What would you guys do?
• 19:53
  Speaker 4: I would think pay it off? I mean, obviously depends
• 19:58
  Speaker 4: on how much much interest is on the loan. Am
• 20:03
  Speaker 4: I maybe on the right track, and so I would
• 20:07
  Speaker 4: just say paid off because debt is what you just
• 20:12
  Speaker 4: don't want debt if you can get rid of dead.
• 20:14
  Speaker 4: I just think that you should definitely paid off, is
• 20:15
  Speaker 4: what I'm thinking.
• 20:17
  Speaker 2: I disagree. I feel like it would all probably come
• 20:21
  Speaker 2: out in the wash, in the sense of I understand
• 20:24
  Speaker 2: you're getting married, and I have no context as to
• 20:26
  Speaker 2: how you're sharing your finances. But like coming at it
• 20:29
  Speaker 2: from my own lands, everybody knows because I won't shut
• 20:31
  Speaker 2: the hell up about it. I'm building my own house
• 20:32
  Speaker 2: or by myself. Cool, the look will be thank you validating.
• 20:35
  Speaker 2: The look will be one day my partner and I
• 20:37
  Speaker 2: will buy a house together. Obviously, when you're de facto,
• 20:40
  Speaker 2: there's all these laws that come into a you know,
• 20:42
  Speaker 2: play around, like who's entitled to what? Da da da dah. However, yeah,
• 20:46
  Speaker 2: like there's an argument for that's your pre existing asset,
• 20:49
  Speaker 2: which is the case for our listener right now. I
• 20:52
  Speaker 2: don't assuming he hasn't been contributing to the mortgage or
• 20:55
  Speaker 2: anything thus far. I also think that so you're saying
• 20:59
  Speaker 2: his thinking is put one hundred K towards this house
• 21:02
  Speaker 2: instead of putting it towards your next house. To me,
• 21:05
  Speaker 2: is it potatoes? Potatoes?
• 21:06
  Speaker 1: Oh?
• 21:07
  Speaker 2: Yeah? Do you know what I mean? Like the one
• 21:08
  Speaker 2: hundred k off that mortgage means like, yes, you wouldn't
• 21:11
  Speaker 2: be paying that mortgage down, but it means that your
• 21:13
  Speaker 2: loan for the next house would potentially be one hundred
• 21:16
  Speaker 2: thousand dollars higher, and or you could potentially just be
• 21:21
  Speaker 2: using the equity of that house to borrow anyway. Oh
• 21:25
  Speaker 2: and I don't know how the math's maths on that,
• 21:27
  Speaker 2: but to me, I just don't necessarily know that taking
• 21:29
  Speaker 2: one hundred thousand dollars from Peter to pay Paul or
• 21:31
  Speaker 2: from you know, the next house to pay for the
• 21:33
  Speaker 2: old house. I don't actually know if that would make
• 21:36
  Speaker 2: a difference. I mean maybe if the loans were different,
• 21:39
  Speaker 2: but then like, do we look at refinancing the existing mortgage.
• 21:42
  Speaker 2: I'm sure I'm saying a bunch of things that Victori
• 21:44
  Speaker 2: is about to touch on because obviously she has mortgage
• 21:46
  Speaker 2: breaking company.
• 21:48
  Speaker 3: That's crazy. If I had an opinion away soon to
• 21:53
  Speaker 3: be broker, oh my god, yes, it's so crazy. So
• 21:57
  Speaker 3: my immediate thought wasn't asset protection, And maybe it should
• 22:00
  Speaker 3: have been, because that is also really important, Like if
• 22:03
  Speaker 3: you're letting him pay off equity on an asset that
• 22:07
  Speaker 3: he doesn't have his name on, I think it could
• 22:10
  Speaker 3: get a little bit messy, try to take justice advice,
• 22:14
  Speaker 3: but my brain went straight to deductible versus non deductible debt,
• 22:19
  Speaker 3: and paying off deductible tax debt could be inefficient. So
• 22:25
  Speaker 3: in your investment property, you can claim your debt on
• 22:28
  Speaker 3: tax because it's an investment. Yeah, but if you had
• 22:32
  Speaker 3: that in a residential property that you live in, not deductible.
• 22:37
  Speaker 3: It's non deductible, And like, personally, if I had an
• 22:40
  Speaker 3: investment property, I wouldn't be paying it off. In fact,
• 22:45
  Speaker 3: if I had any financial pressures, like I would very
• 22:48
  Speaker 3: quickly change it to just interest only and keep my
• 22:52
  Speaker 3: debt longer in an investment property than I would my
• 22:54
  Speaker 3: primary place of residence. Is that's so, but that's just me,
• 22:58
  Speaker 3: and you need to talk to your accountant about what
• 23:00
  Speaker 3: that would be. But I would go to an account
• 23:02
  Speaker 3: with that and be like, we're in this really privileged position.
• 23:04
  Speaker 3: We have this amount of money, what's the best use
• 23:06
  Speaker 3: of this. This is where good financial advice comes in,
• 23:09
  Speaker 3: because like, a cleaner structure could be keeping the investment
• 23:14
  Speaker 3: loan in place and putting the hundred thousand dollars into
• 23:17
  Speaker 3: an offset account, maybe against either of the investment property
• 23:21
  Speaker 3: loan or more than likely like your future home that
• 23:24
  Speaker 3: you're going to own together, because an offset can reduce
• 23:27
  Speaker 3: interest without I guess, permanently paying down the loan. And
• 23:31
  Speaker 3: this matters because once money is paid directly into the loan,
• 23:36
  Speaker 3: like later redrawing it for like private you know, reasons
• 23:40
  Speaker 3: and how whatever you want to do with it, it
• 23:42
  Speaker 3: can create really messy deductibility issues. Yeah, like it's just
• 23:47
  Speaker 3: it's a bit messy. And then the ATO focuses honestly
• 23:50
  Speaker 3: on what the borrowed money is used for, not just
• 23:53
  Speaker 3: which property secures the loan. So I just think if
• 23:57
  Speaker 3: the fiance paid off the one hundred thousand dollar. Again
• 24:00
  Speaker 3: I'm not an accountant, please talk to one. If your
• 24:03
  Speaker 3: fiance pays one hundred thousand dollars off your loan and
• 24:06
  Speaker 3: that property is not in their name, then that's not
• 24:08
  Speaker 3: automatically a tax deduction for your fiance. It might actually
• 24:12
  Speaker 3: be treated more as a gift or like a relationship contribution,
• 24:16
  Speaker 3: depending on the documentation that you have.
• 24:19
  Speaker 4: Is oil mortgage tax deductible if it's an investment property.
• 24:22
  Speaker 3: No, not all of it, but like the cost of
• 24:25
  Speaker 3: the interest that you pay.
• 24:27
  Speaker 2: Oh yeah, and holding that loan would also mean you
• 24:30
  Speaker 2: can claim Oh would you get to claim it anyway?
• 24:33
  Speaker 2: You know, if there's repairs and stuff, But that would matter.
• 24:36
  Speaker 3: So I guess my advice would be, do not pay
• 24:39
  Speaker 3: off that investment loan until you have proper tax advice. Okay,
• 24:43
  Speaker 3: that's my recommendation.
• 24:44
  Speaker 2: Good advice.
• 24:45
  Speaker 3: Call your accountant and be like, hey, like should I shouldn't?
• 24:48
  Speaker 3: I because it sounds like really nice, like because immediately
• 24:52
  Speaker 3: I think your brain goes to being debt free, Oh
• 24:55
  Speaker 3: my god, amazing. But also you're not going to be
• 25:00
  Speaker 3: completely debt free. Yes, like one little part of your
• 25:02
  Speaker 3: debt might be paid off and it feels good, but like,
• 25:05
  Speaker 3: what's the bigger picture? Look like you could be in
• 25:07
  Speaker 3: a better financial situation with some smart strategy. True, and
• 25:11
  Speaker 3: we love smart strategy in this house.
• 25:14
  Speaker 2: You all right?
• 25:15
  Speaker 3: This week's DM seems to follow a little bit of
• 25:17
  Speaker 3: a similar theme in that both community members seem to
• 25:20
  Speaker 3: be doing all the right things and just life has
• 25:22
  Speaker 3: thrown them in exciting opportunity. So they wrote in are
• 25:25
  Speaker 3: you ready? Yes, all right, she's on the money. Please help.
• 25:29
  Speaker 3: That's what we're here for. I am so torn. I
• 25:32
  Speaker 3: feel like I've spent the last five years doing everything
• 25:34
  Speaker 3: in quotation marks right. I've lived at home longer than
• 25:38
  Speaker 3: I wanted to. I skipped holidays, and I've said no
• 25:40
  Speaker 3: to plenty of dinners and weekends away, and I've put
• 25:43
  Speaker 3: every spare dollar towards saving for a house deposit. And
• 25:45
  Speaker 3: I have finally reached my goal. Ah, congratulations, amazing. The
• 25:49
  Speaker 3: problem is that I have just been offered a two
• 25:52
  Speaker 3: year role overseas. It's an incredible opportunity in an industry
• 25:56
  Speaker 3: that is so difficult to break into, and it could
• 25:59
  Speaker 3: open doors that simply would not be available to me
• 26:01
  Speaker 3: if I stayed. Some days I think that the house
• 26:04
  Speaker 3: can wait, because I'll never get these years back, and
• 26:06
  Speaker 3: experiences like this do not come around often. Other days
• 26:10
  Speaker 3: I panic that I'll come back to an even more
• 26:12
  Speaker 3: expensive property market and regret not buying when I had
• 26:14
  Speaker 3: the chance. My family thinks I am crazy for even
• 26:17
  Speaker 3: considering putting home ownership on hold after working so hard
• 26:21
  Speaker 3: to say what should I do?
• 26:22
  Speaker 4: Well, First of all, why, I guess maybe if you're
• 26:27
  Speaker 4: paying for your own.
• 26:28
  Speaker 3: Poor can or lost us? Is that where we're going?
• 26:30
  Speaker 4: That's what I'm than because I'm like, why did to
• 26:32
  Speaker 4: put that on hold. I know that it's less cost
• 26:34
  Speaker 4: effective if you are not living in the house, you're
• 26:36
  Speaker 4: not occupied, so like something about tax costs more or
• 26:42
  Speaker 4: something like that, But I don't see why, especially if
• 26:46
  Speaker 4: you're not living in it, like you can buy something
• 26:48
  Speaker 4: cheaper that whatever. Whatever, I'll just like rent it out.
• 26:51
  Speaker 4: I would not, in any reality and not in any world,
• 26:56
  Speaker 4: not take the opportunity to do this job overseas. And
• 27:01
  Speaker 4: I am differently personally. I don't like to leave my
• 27:03
  Speaker 4: comfort place. I like to stay with all my friends.
• 27:05
  Speaker 4: I personally would leave. But if it's something I was
• 27:07
  Speaker 4: working toward and the experiences I would gain, like absolutely,
• 27:10
  Speaker 4: without a doubt, I would do that and just try
• 27:12
  Speaker 4: and find a way to still get into the market.
• 27:14
  Speaker 2: That's good advice.
• 27:16
  Speaker 3: I'm so glad that Beck's not leaving.
• 27:17
  Speaker 2: Yeah, I don't. I'm assuming that she would need to
• 27:20
  Speaker 2: take some of the money from her house deposit fund
• 27:23
  Speaker 2: the overseas move would be my guest.
• 27:25
  Speaker 3: That's what I was thinking, And I was like, Oh,
• 27:27
  Speaker 3: is that what's happening or are you just like I
• 27:30
  Speaker 3: don't want to buy because like I'm moving overseas.
• 27:33
  Speaker 2: In which case, if that's the feeling, I stand with
• 27:35
  Speaker 2: what Beck said on the assumption that you would have
• 27:39
  Speaker 2: to spend a chunk of your money to get yourself
• 27:41
  Speaker 2: set up overseas, I agree with Beck. I think that
• 27:45
  Speaker 2: it's an opportunity. The way you've written to us about it,
• 27:48
  Speaker 2: you can feel your excitement, like I can tell that
• 27:51
  Speaker 2: you want to do this, and I think it's the
• 27:53
  Speaker 2: kind of thing you probably would regret if you didn't.
• 27:56
  Speaker 2: As someone who has just god, I'm insufferable, someone who's.
• 28:00
  Speaker 3: Been yes, I cannot tell you how happy I get
• 28:06
  Speaker 3: every time you talk about buying a house. I have
• 28:09
  Speaker 3: been talking to you about this almost every day for
• 28:12
  Speaker 3: six years. You have worked, she's on the money for
• 28:15
  Speaker 3: six years, and the entire community has been hearing about
• 28:18
  Speaker 3: this journey of you saving for a first house, thinking
• 28:21
  Speaker 3: about a first house, not buying a first house. We
• 28:23
  Speaker 3: are so damn happy you tell us every day that
• 28:26
  Speaker 3: you bought a house. Sorry, on her own, bought her
• 28:30
  Speaker 3: own house. Incredible, doesn't need a man, Okay, I mean
• 28:34
  Speaker 3: still has one. Doesn't need him though, incredible Sorry times,
• 28:38
  Speaker 3: but that's still play.
• 28:40
  Speaker 2: But like I like, I have that feeling now. I
• 28:44
  Speaker 2: wish i'd bought five years ago, but I was in
• 28:45
  Speaker 2: the position to do so, you know, five years ago,
• 28:48
  Speaker 2: I wish I'd bought a house five years before that. Like,
• 28:50
  Speaker 2: I think that feeling is always going to exist no
• 28:54
  Speaker 2: matter what you do, and I don't think you should
• 28:56
  Speaker 2: let that hold you back from doing something that you
• 28:58
  Speaker 2: seem so passionately about. The housing market will always be there.
• 29:02
  Speaker 2: You could explore other investment options, you know, the share
• 29:05
  Speaker 2: market is are great, you know, depending on your appetite,
• 29:07
  Speaker 2: et cetera. But I think that you don't want to
• 29:11
  Speaker 2: live your life with regret. And I think you're saying
• 29:14
  Speaker 2: to us that this is like a once in a
• 29:15
  Speaker 2: lifetime opportunity where buying a house isn't. Like, yes, you
• 29:19
  Speaker 2: might pay more in a few years, but if you
• 29:22
  Speaker 2: never get the chance to work overseas again in this
• 29:24
  Speaker 2: particular field, that seems like a bigger opportunity cost to me.
• 29:28
  Speaker 3: Yeah, I was reflecting on something similar. So one of
• 29:32
  Speaker 3: my girlfriends lives overseas and Rosie, we've spoken about her
• 29:35
  Speaker 3: on the show literally this episode, and I just was like,
• 29:38
  Speaker 3: how cool is that? Like she moved to London, she's
• 29:42
  Speaker 3: lived in Canada, like she's done a whole heap of
• 29:44
  Speaker 3: really cool things. And I don't know. I think that
• 29:47
  Speaker 3: at three am when you're up feeding a three month old,
• 29:50
  Speaker 3: like you just think and have too many thoughts. And
• 29:56
  Speaker 3: I was thinking about and by the way, when I
• 29:58
  Speaker 3: say three months old, six months old, isn't that terrifying?
• 30:02
  Speaker 2: Whoah, oh that's crazy.
• 30:03
  Speaker 3: I was like, oh my god, I've missed that boat
• 30:07
  Speaker 3: for me. Like I'm not mad, I'm really like, I'm
• 30:10
  Speaker 3: really grateful for the position I am in in life,
• 30:13
  Speaker 3: but like I can't upper move to London. I can't
• 30:16
  Speaker 3: upper move to New York. I could have when I
• 30:18
  Speaker 3: was twenty and I wasn't way down, but like life
• 30:20
  Speaker 3: is so different now, and I'm not mad. I adore it,
• 30:22
  Speaker 3: but I just go, twenty year old me should have
• 30:25
  Speaker 3: done something like that. She should have gone and lived overseas,
• 30:28
  Speaker 3: and like that would have been really cool. So I
• 30:31
  Speaker 3: get not only you going, I can see myself regretting it,
• 30:34
  Speaker 3: but I go. I think I regret it a little bit.
• 30:37
  Speaker 3: And I wish that I'd been more opportunistic in saying
• 30:40
  Speaker 3: that I was a little bit naive and angsty in
• 30:44
  Speaker 3: my early twenties. I don't think I would have just
• 30:47
  Speaker 3: purely because I would have been too scared, then that's fine,
• 30:50
  Speaker 3: But like, hindsight's a beautiful thing. But I think you
• 30:53
  Speaker 3: should come and talk to us at Zella Money. I
• 30:56
  Speaker 3: think you should come in and have a chat with
• 30:58
  Speaker 3: one of our brokers and be like, this is my
• 30:59
  Speaker 3: sitty situation. What would it look like to buy a house?
• 31:03
  Speaker 3: What would it look like to have an investment property
• 31:05
  Speaker 3: while I'm overseas? What would it look like to buy
• 31:08
  Speaker 3: when I got back after two years? What would it
• 31:10
  Speaker 3: look like if I didn't come back after two years
• 31:13
  Speaker 3: and work all of that out? Because if you've been
• 31:16
  Speaker 3: saving and you've been planning, great, we can still achieve it.
• 31:19
  Speaker 3: But like, let's just like maybe make a few different plans.
• 31:22
  Speaker 3: So instead of hypotheticals, we've got a few different plans
• 31:25
  Speaker 3: on the table, and you know what each option kind
• 31:27
  Speaker 3: of looks like, so that you can make the best
• 31:29
  Speaker 3: decision for you. Is what I would say.
• 31:30
  Speaker 2: But what did everybody else think?
• 31:31
  Speaker 3: Okay, So the first question I asked the community was
• 31:34
  Speaker 3: if you were in this position, would you prioritize experience
• 31:37
  Speaker 3: over property? Ninety three percent of you said yep, experience
• 31:41
  Speaker 3: is just as important. We then asked would your answer
• 31:45
  Speaker 3: change if the property market continued to rise while you
• 31:47
  Speaker 3: were away. Twenty five percent of you you said yeah,
• 31:49
  Speaker 3: I changed my answer, but seventy five percent said no.
• 31:51
  Speaker 2: Incredible.
• 31:52
  Speaker 3: Then we asked, should family opinions factor into a decision
• 31:56
  Speaker 3: like this? No, Well good because seventy nine percent of
• 31:59
  Speaker 3: you said no. I then said, guys, what is your
• 32:03
  Speaker 3: two cents? And this is my favorite question ever. First
• 32:06
  Speaker 3: person said, buy a property rented out for the duration
• 32:09
  Speaker 3: of time that you have overseas?
• 32:11
  Speaker 2: Incredible?
• 32:12
  Speaker 3: Can you buy and rent out while overseas? Can you
• 32:15
  Speaker 3: purchase a property and have a tenant move in? Would
• 32:20
  Speaker 3: you consider an investment property you could move into it
• 32:22
  Speaker 3: when you come back. You guys all have wooden brains.
• 32:26
  Speaker 3: Cell It's like Jess and I like we like have
• 32:29
  Speaker 3: the same thing to say, but in just a round
• 32:31
  Speaker 3: about way. Often another person said life is for living
• 32:35
  Speaker 3: and tomorrow isn't promised to take opportunities when they land
• 32:38
  Speaker 3: on your doorstep.
• 32:39
  Speaker 2: Agree, that's very beautiful.
• 32:40
  Speaker 3: I genuinely have never laughed so hard at like a
• 32:44
  Speaker 3: response like a comment section, because they are literally all,
• 32:49
  Speaker 3: why don't you buy a property and rent it out?
• 32:53
  Speaker 3: You not like scrolling through this, Go do the job.
• 32:56
  Speaker 3: The house can wait. You could also buy one before
• 32:58
  Speaker 3: you leave, Like we all are on the same page.
• 33:01
  Speaker 3: I get it, But overwhelmingly the community is like, please
• 33:06
  Speaker 3: just take an opportunity. You can always change your mind.
• 33:09
  Speaker 3: And I think that that is, you know, the story
• 33:12
  Speaker 3: and the narrative and the thing we'll leave on because
• 33:14
  Speaker 3: there wasn't actually in this response a lot of diversity
• 33:18
  Speaker 3: of opinion.
• 33:18
  Speaker 2: And I feel like that says a lot as well,
• 33:20
  Speaker 2: doesn't it.
• 33:21
  Speaker 3: I just thought it was so funny, like doing those comments,
• 33:23
  Speaker 3: I'm like, oh, okay, so we are just all queens
• 33:26
  Speaker 3: on the same page.
• 33:28
  Speaker 2: Please keep us posted as well.
• 33:29
  Speaker 3: Really exactly, and like we adore hearing that our community
• 33:33
  Speaker 3: was on track to achieving their money goals. And I
• 33:35
  Speaker 3: guess things like relationships and job opportunities are presenting, you know,
• 33:38
  Speaker 3: really exciting side quests for you guys. And how cute
• 33:42
  Speaker 3: is it? Guys they want our opinion. I don't know
• 33:45
  Speaker 3: what they should do with their life. Sweet that's crazy
• 33:49
  Speaker 3: to me. All right, lovely listeners, it is time for
• 33:53
  Speaker 3: us to go home, because that is all we have
• 33:55
  Speaker 3: time for today. Whether you are listening on your hot
• 33:57
  Speaker 3: girl walk or you're in the car, or you're simply
• 33:59
  Speaker 3: for tending to work at your desk. We appreciate you,
• 34:03
  Speaker 3: thank you so much for being a part of this community,
• 34:05
  Speaker 3: and we get to see you on Monday for a
• 34:07
  Speaker 3: brand new money diary. Have the best weekend, by guys.
• 34:10
  Speaker 2: Bye.
• 34:15
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• 34:18
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• 34:21
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• 34:25
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