Latest / Making Cents / From $30,000 Debt to Financially Free and Travelling the World: The Shift That Changed Everything

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From $30,000 Debt to Financially Free and Travelling the World: The Shift That Changed Everything · Making Cents

• 0:00
  $30,000
• 0:01
  in
• 0:02
  debt.
• 0:02
  That's
• 0:03
  where
• 0:03
  this
• 0:03
  story
• 0:04
  starts.
• 0:05
  Sure,
• 0:05
  it
• 0:06
  ends
• 0:06
  with
• 0:06
  passive
• 0:06
  income
• 0:07
  and
• 0:07
  travel
• 0:07
  photos
• 0:08
  from
• 0:08
  Spain
• 0:09
  and
• 0:09
  Thailand,
• 0:10
  but
• 0:10
  it
• 0:10
  started
• 0:11
  by
• 0:12
  staring
• 0:12
  at
• 0:12
  a
• 0:12
  massive
• 0:13
  financial
• 0:14
  hole
• 0:14
  and
• 0:15
  thinking,
• 0:15
  how
• 0:16
  on
• 0:16
  earth
• 0:17
  do
• 0:18
  we
• 0:18
  get
• 0:18
  out
• 0:18
  of
• 0:18
  this?
• 0:19
  Emma
• 0:20
  Healy
• 0:20
  is
• 0:20
  someone
• 0:21
  who
• 0:21
  you
• 0:21
  might
• 0:21
  know
• 0:22
  now
• 0:22
  from
• 0:22
  sharing
• 0:23
  her
• 0:23
  amazing
• 0:24
  frugal
• 0:24
  living
• 0:25
  and
• 0:25
  investing
• 0:25
  insights
• 0:26
  over
• 0:26
  at
• 0:27
  mumsmoney
• 0:27
  Co
• 0:28
  nz.
• 0:29
  And
• 0:29
  that
• 0:30
  comes
• 0:30
  from
• 0:30
  cracking
• 0:31
  the
• 0:31
  code
• 0:31
  with
• 0:32
  her
• 0:32
  own
• 0:32
  money.
• 0:33
  Gamifying,
• 0:34
  paying
• 0:34
  off
• 0:35
  a
• 0:35
  mountain
• 0:35
  of
• 0:35
  debt
• 0:36
  so
• 0:36
  that
• 0:36
  she
• 0:36
  could
• 0:36
  actually
• 0:37
  stick
• 0:37
  with
• 0:37
  it.
• 0:38
  Repurposing
• 0:39
  that
• 0:39
  system
• 0:39
  for
• 0:40
  new
• 0:40
  goals,
• 0:41
  to
• 0:41
  design
• 0:41
  a
• 0:42
  new
• 0:42
  life
• 0:43
  that
• 0:43
  includes
• 0:43
  long
• 0:44
  term
• 0:44
  family
• 0:44
  travel,
• 0:45
  investing
• 0:46
  and
• 0:46
  a
• 0:47
  plan
• 0:47
  to
• 0:47
  retire
• 0:47
  early
• 0:48
  with
• 0:48
  her
• 0:48
  kids.
• 0:49
  What's
• 0:50
  possible
• 0:50
  if
• 0:50
  we
• 0:50
  just
• 0:50
  start
• 0:51
  to
• 0:51
  just
• 0:51
  maybe
• 0:51
  question
• 0:52
  what?
• 0:52
  Why
• 0:52
  do
• 0:52
  I
• 0:53
  think
• 0:53
  it's
• 0:53
  so
• 0:53
  normal
• 0:53
  to
• 0:53
  spend
• 0:54
  as
• 0:54
  much
• 0:54
  as
• 0:54
  I
• 0:54
  spend?
• 0:55
  That
• 0:55
  was
• 0:55
  really
• 0:55
  the
• 0:56
  start.
• 0:56
  And
• 0:56
  then
• 0:56
  I
• 0:56
  started
• 0:57
  to
• 0:57
  get
• 0:57
  quite
• 0:57
  obsessed
• 0:58
  with
• 0:58
  it
• 0:58
  once
• 0:59
  that
• 0:59
  debt
• 0:59
  was.
• 0:59
  Gone,
• 1:00
  that
• 1:00
  was
• 1:01
  when
• 1:01
  it
• 1:01
  got
• 1:01
  interesting.
• 1:02
  I'm
• 1:02
  going
• 1:02
  to
• 1:02
  be
• 1:02
  first
• 1:02
  generation
• 1:03
  rich
• 1:03
  and
• 1:03
  my
• 1:04
  kids
• 1:04
  are
• 1:04
  going
• 1:04
  to
• 1:04
  be
• 1:04
  the
• 1:05
  ones
• 1:05
  that
• 1:05
  benefit
• 1:05
  from
• 1:05
  that.
• 1:06
  But
• 1:06
  I
• 1:06
  have
• 1:06
  to
• 1:06
  figure
• 1:06
  everything
• 1:07
  out
• 1:07
  for
• 1:07
  myself.
• 1:08
  And
• 1:08
  rather
• 1:08
  than
• 1:08
  a
• 1:09
  life
• 1:09
  of
• 1:09
  deprivation,
• 1:10
  it's
• 1:11
  allowed
• 1:11
  her
• 1:11
  to
• 1:12
  take
• 1:12
  her
• 1:12
  family
• 1:13
  on
• 1:13
  a
• 1:13
  year
• 1:13
  of
• 1:13
  amazing
• 1:14
  travels
• 1:15
  across
• 1:15
  Europe,
• 1:16
  the
• 1:16
  us
• 1:17
  South,
• 1:18
  Southeast
• 1:18
  Asia.
• 1:19
  Liquidating
• 1:20
  that
• 1:20
  fund
• 1:20
  that
• 1:20
  we
• 1:20
  liquidated
• 1:21
  was
• 1:21
  the
• 1:21
  way
• 1:21
  that
• 1:22
  we
• 1:22
  got
• 1:22
  to
• 1:22
  travel.
• 1:22
  We
• 1:22
  didn't
• 1:23
  sell
• 1:23
  a
• 1:23
  house,
• 1:24
  so
• 1:24
  having
• 1:25
  access
• 1:25
  to
• 1:25
  liquid
• 1:26
  funds
• 1:26
  is
• 1:26
  so
• 1:27
  important.
• 1:28
  So
• 1:28
  welcome
• 1:28
  to
• 1:28
  Making
• 1:29
  Sense.
• 1:29
  It's
• 1:29
  the
• 1:30
  podcast
• 1:30
  for
• 1:30
  people
• 1:30
  who
• 1:31
  want
• 1:31
  financial
• 1:31
  freedom
• 1:32
  without
• 1:32
  giving
• 1:32
  up
• 1:33
  their
• 1:33
  coffee.
• 1:34
  I'm
• 1:34
  Frances
• 1:34
  Cook,
• 1:34
  a
• 1:35
  financial
• 1:35
  journalist
• 1:36
  and
• 1:36
  fellow
• 1:36
  financial
• 1:36
  freedom
• 1:37
  seeker
• 1:37
  who
• 1:38
  makes
• 1:38
  money.
• 1:38
  Simple
• 1:39
  for
• 1:39
  you
• 1:40
  today
• 1:40
  is
• 1:41
  how
• 1:41
  slaying
• 1:41
  your
• 1:42
  financial
• 1:42
  monsters
• 1:43
  can
• 1:43
  lead
• 1:43
  to
• 1:43
  a
• 1:44
  life
• 1:44
  that
• 1:44
  you
• 1:44
  just
• 1:45
  never
• 1:45
  thought
• 1:46
  possible.
• 1:46
  This
• 1:47
  episode
• 1:47
  of
• 1:47
  Making
• 1:48
  Sense
• 1:48
  is
• 1:48
  supported
• 1:49
  by
• 1:49
  Odoo,
• 1:49
  the
• 1:50
  all
• 1:50
  in
• 1:50
  one
• 1:50
  solution
• 1:51
  to
• 1:51
  make
• 1:51
  running
• 1:51
  your
• 1:52
  business
• 1:52
  smoother
• 1:52
  and
• 1:53
  more
• 1:53
  affordable.
• 1:54
  Go
• 1:54
  to
• 1:54
  odoo.com
• 1:55
  that's
• 1:56
  o-double
• 1:57
  o.com
• 1:57
  for
• 1:58
  more.
• 1:59
  Emma,
• 1:59
  welcome
• 1:59
  to
• 2:00
  the
• 2:00
  podcast.
• 2:00
  I
• 2:00
  feel
• 2:01
  like
• 2:01
  I've
• 2:01
  been
• 2:02
  following
• 2:02
  you
• 2:02
  online
• 2:03
  for
• 2:03
  such
• 2:03
  a
• 2:04
  long
• 2:04
  time,
• 2:04
  so
• 2:04
  it's
• 2:04
  a
• 2:04
  delight
• 2:05
  to
• 2:05
  get
• 2:05
  you
• 2:06
  in
• 2:06
  here.
• 2:06
  And
• 2:06
  you
• 2:07
  started
• 2:07
  off
• 2:09
  very
• 2:09
  different
• 2:10
  from
• 2:11
  where
• 2:11
  you
• 2:11
  are
• 2:11
  now.
• 2:12
  You
• 2:12
  started
• 2:12
  off
• 2:13
  $30,000
• 2:14
  in
• 2:14
  debt.
• 2:16
  So
• 2:16
  what
• 2:16
  was
• 2:16
  that
• 2:17
  moment
• 2:17
  like
• 2:17
  when
• 2:18
  you
• 2:18
  thought,
• 2:19
  this
• 2:19
  isn't
• 2:19
  good
• 2:20
  and
• 2:21
  I
• 2:21
  want
• 2:21
  to
• 2:21
  make
• 2:21
  a
• 2:21
  bit
• 2:21
  of
• 2:22
  a
• 2:22
  change?
• 2:22
  I
• 2:23
  guess
• 2:23
  I
• 2:24
  sort
• 2:25
  of
• 2:25
  felt
• 2:25
  like
• 2:25
  a
• 2:25
  bit
• 2:25
  of
• 2:26
  a
• 2:26
  stuff
• 2:26
  up.
• 2:26
  I'd
• 2:27
  moved
• 2:27
  to
• 2:27
  Australia,
• 2:27
  so
• 2:28
  I
• 2:28
  was
• 2:29
  23
• 2:30
  or
• 2:30
  24.
• 2:30
  I
• 2:30
  moved
• 2:31
  to
• 2:31
  Australia
• 2:31
  when
• 2:31
  I
• 2:31
  was
• 2:31
  21
• 2:31
  and
• 2:32
  everyone
• 2:32
  moves
• 2:32
  to
• 2:32
  Australia
• 2:33
  for
• 2:33
  the
• 2:33
  money
• 2:33
  and
• 2:34
  I
• 2:34
  had
• 2:34
  put
• 2:34
  myself
• 2:35
  in
• 2:35
  a
• 2:35
  worse
• 2:35
  financial
• 2:36
  position
• 2:36
  by
• 2:36
  moving
• 2:37
  to
• 2:37
  Australia,
• 2:37
  because
• 2:37
  I
• 2:37
  had
• 2:38
  enjoyed
• 2:38
  my
• 2:38
  life
• 2:39
  so
• 2:39
  much
• 2:39
  that
• 2:39
  I'd
• 2:40
  got
• 2:40
  into
• 2:41
  debt
• 2:41
  and
• 2:41
  spent
• 2:42
  more
• 2:42
  than
• 2:42
  I
• 2:42
  earned.
• 2:42
  And
• 2:43
  when
• 2:43
  you're
• 2:43
  living
• 2:44
  in
• 2:44
  a
• 2:44
  country
• 2:44
  that
• 2:44
  is
• 2:44
  not
• 2:45
  your
• 2:45
  own,
• 2:45
  you
• 2:45
  can't
• 2:45
  just
• 2:45
  move
• 2:45
  back
• 2:46
  to
• 2:46
  Mum
• 2:46
  and
• 2:46
  Dad's,
• 2:46
  you
• 2:47
  know,
• 2:47
  you
• 2:47
  got
• 2:47
  to
• 2:48
  continue
• 2:48
  to
• 2:48
  pay
• 2:48
  your
• 2:48
  own
• 2:49
  bills.
• 2:49
  And
• 2:49
  so
• 2:50
  there
• 2:50
  was
• 2:50
  a
• 2:51
  moment
• 2:51
  when
• 2:51
  I
• 2:52
  went
• 2:52
  in
• 2:53
  to
• 2:53
  do
• 2:53
  my
• 2:54
  tax
• 2:54
  return,
• 2:54
  and
• 2:55
  I
• 2:55
  did
• 2:55
  not
• 2:55
  have
• 2:55
  enough
• 2:56
  money
• 2:56
  to
• 2:56
  pay
• 2:56
  my
• 2:56
  tax
• 2:57
  bill,
• 2:57
  and
• 2:57
  I
• 2:58
  had
• 2:58
  to
• 2:58
  go
• 2:58
  and
• 2:58
  get
• 2:58
  a
• 2:58
  personal
• 2:59
  loan
• 2:59
  to
• 2:59
  pay
• 3:00
  for
• 3:00
  my
• 3:00
  tax
• 3:01
  bill.
• 3:02
  So
• 3:02
  after
• 3:03
  bursting
• 3:03
  into
• 3:04
  tears
• 3:04
  in
• 3:04
  front
• 3:05
  of
• 3:05
  the
• 3:05
  accountant
• 3:05
  like
• 3:06
  an
• 3:06
  absolute
• 3:07
  child,
• 3:07
  I
• 3:08
  was
• 3:08
  just
• 3:08
  in
• 3:08
  total
• 3:09
  mess,
• 3:09
  and
• 3:09
  I
• 3:09
  didn't
• 3:09
  know
• 3:09
  what
• 3:10
  to
• 3:10
  do.
• 3:10
  So
• 3:10
  I
• 3:10
  had
• 3:10
  to
• 3:10
  go
• 3:10
  to
• 3:11
  the
• 3:11
  bank
• 3:11
  and
• 3:11
  ask
• 3:11
  them
• 3:11
  for
• 3:11
  a
• 3:11
  personal
• 3:12
  loan
• 3:12
  to
• 3:12
  pay
• 3:12
  my
• 3:13
  tax.
• 3:13
  And
• 3:13
  I
• 3:13
  actually
• 3:14
  realized
• 3:14
  that
• 3:14
  there
• 3:14
  was
• 3:15
  really
• 3:15
  no
• 3:15
  reason
• 3:16
  for
• 3:16
  me
• 3:16
  to
• 3:16
  be
• 3:16
  spending
• 3:17
  the
• 3:17
  way
• 3:17
  I
• 3:17
  was
• 3:18
  or
• 3:19
  for
• 3:19
  me
• 3:19
  to
• 3:19
  be
• 3:19
  in
• 3:19
  the
• 3:19
  position
• 3:20
  I
• 3:20
  was
• 3:20
  because
• 3:20
  I
• 3:20
  was
• 3:20
  earning
• 3:21
  okay
• 3:21
  money,
• 3:21
  but
• 3:21
  I
• 3:21
  was
• 3:22
  just
• 3:22
  spending
• 3:22
  so
• 3:23
  much
• 3:23
  more.
• 3:24
  And
• 3:24
  I
• 3:24
  also
• 3:24
  wanted
• 3:24
  to
• 3:25
  travel.
• 3:25
  So
• 3:25
  I'd
• 3:26
  moved
• 3:26
  to
• 3:26
  Sydney,
• 3:26
  and
• 3:27
  I
• 3:27
  was
• 3:27
  living
• 3:27
  with
• 3:27
  a
• 3:28
  whole
• 3:28
  bunch
• 3:28
  of
• 3:28
  backpackers
• 3:29
  of
• 3:29
  friends
• 3:29
  who
• 3:30
  were
• 3:30
  all
• 3:30
  traveling
• 3:30
  Australia,
• 3:31
  and
• 3:31
  they
• 3:31
  could
• 3:32
  all
• 3:32
  go
• 3:32
  and
• 3:32
  do
• 3:32
  these
• 3:32
  amazing
• 3:33
  trips,
• 3:33
  and
• 3:33
  I
• 3:34
  couldn't
• 3:34
  afford
• 3:34
  it
• 3:34
  because
• 3:35
  I
• 3:35
  was
• 3:35
  just
• 3:35
  drinking
• 3:36
  everything
• 3:36
  I
• 3:36
  earned
• 3:37
  and
• 3:37
  spending
• 3:38
  it
• 3:38
  on
• 3:38
  handbags.
• 3:39
  So
• 3:39
  it
• 3:39
  was.
• 3:41
  Yeah,
• 3:41
  so
• 3:41
  there
• 3:42
  was
• 3:42
  this
• 3:42
  time
• 3:42
  when
• 3:42
  I
• 3:43
  was
• 3:43
  like,
• 3:43
  okay,
• 3:43
  if
• 3:43
  I
• 3:44
  want
• 3:44
  to
• 3:44
  have
• 3:44
  the
• 3:45
  life
• 3:45
  I
• 3:45
  came
• 3:45
  here
• 3:45
  for
• 3:46
  and
• 3:46
  to
• 3:46
  go
• 3:46
  and
• 3:47
  experience
• 3:47
  the
• 3:47
  world
• 3:47
  and
• 3:47
  even
• 3:48
  just
• 3:48
  see
• 3:48
  more
• 3:48
  of
• 3:48
  Australia
• 3:49
  than
• 3:49
  Bondi,
• 3:51
  then
• 3:51
  I
• 3:51
  needed
• 3:51
  to
• 3:52
  get
• 3:52
  myself,
• 3:52
  get
• 3:53
  my
• 3:53
  stuff
• 3:54
  together.
• 3:55
  And,
• 3:56
  yeah,
• 3:57
  so,
• 3:57
  yeah,
• 3:58
  I
• 3:58
  knuckled
• 3:59
  down
• 3:59
  and
• 4:00
  did
• 4:00
  that.
• 4:01
  Which
• 4:02
  sounds
• 4:02
  easy,
• 4:02
  but
• 4:02
  it
• 4:03
  was
• 4:03
  not
• 4:03
  an
• 4:03
  easy
• 4:03
  process.
• 4:04
  Isn't
• 4:05
  that
• 4:05
  often
• 4:05
  the
• 4:05
  way,
• 4:05
  though?
• 4:06
  I
• 4:06
  feel
• 4:06
  like
• 4:06
  so
• 4:06
  much
• 4:06
  of
• 4:07
  this
• 4:07
  with
• 4:07
  money
• 4:07
  is
• 4:07
  it's
• 4:08
  things
• 4:08
  that
• 4:08
  you
• 4:08
  say
• 4:09
  you
• 4:09
  need
• 4:09
  to
• 4:09
  do
• 4:09
  this,
• 4:09
  that,
• 4:10
  and
• 4:10
  the
• 4:10
  other.
• 4:11
  And
• 4:11
  it
• 4:11
  often
• 4:11
  sounds
• 4:12
  very
• 4:12
  simple.
• 4:13
  If
• 4:13
  it
• 4:14
  was
• 4:14
  actually
• 4:14
  that
• 4:15
  simple
• 4:15
  to
• 4:16
  do
• 4:16
  it,
• 4:17
  we'd
• 4:17
  all
• 4:17
  be
• 4:17
  fine.
• 4:18
  This
• 4:18
  podcast
• 4:19
  wouldn't
• 4:19
  exist.
• 4:19
  I'd
• 4:19
  be
• 4:20
  doing
• 4:20
  something
• 4:20
  else.
• 4:22
  It's
• 4:22
  the
• 4:22
  doing
• 4:22
  it
• 4:23
  and
• 4:23
  the
• 4:23
  doing
• 4:23
  it
• 4:23
  regularly
• 4:24
  that's
• 4:24
  hard,
• 4:25
  right?
• 4:25
  Yeah,
• 4:26
  absolutely.
• 4:27
  I'm
• 4:27
  actually
• 4:27
  thankful
• 4:28
  that
• 4:28
  I
• 4:28
  had
• 4:28
  that
• 4:29
  period
• 4:29
  of
• 4:30
  debt
• 4:30
  because
• 4:31
  it
• 4:31
  triggered
• 4:32
  everything
• 4:32
  that
• 4:33
  came
• 4:33
  after.
• 4:33
  So
• 4:34
  if
• 4:34
  I
• 4:34
  hadn't
• 4:34
  had
• 4:35
  all
• 4:35
  this
• 4:36
  debt
• 4:36
  to
• 4:36
  pay
• 4:36
  back,
• 4:37
  I
• 4:37
  wouldn't
• 4:37
  have
• 4:37
  gone
• 4:38
  and
• 4:38
  got
• 4:38
  three
• 4:38
  jobs.
• 4:39
  Like,
• 4:39
  so
• 4:39
  I
• 4:39
  was
• 4:39
  working
• 4:39
  an
• 4:40
  office
• 4:40
  job,
• 4:40
  and
• 4:40
  then
• 4:40
  I
• 4:41
  would
• 4:41
  work
• 4:41
  at
• 4:41
  JB
• 4:41
  hi
• 4:42
  Fi
• 4:42
  on
• 4:42
  late
• 4:42
  nights
• 4:42
  and
• 4:43
  weekends,
• 4:43
  Saturday
• 4:43
  and
• 4:44
  Sunday,
• 4:44
  and
• 4:44
  then
• 4:44
  I'd
• 4:45
  also
• 4:45
  do
• 4:45
  bar
• 4:45
  work.
• 4:45
  What
• 4:46
  happened
• 4:46
  is
• 4:46
  I
• 4:46
  had,
• 4:46
  all
• 4:47
  of
• 4:47
  a
• 4:47
  sudden,
• 4:47
  quite
• 4:47
  a
• 4:47
  lot
• 4:47
  of
• 4:48
  extra
• 4:48
  Income
• 4:48
  coming
• 4:48
  in,
• 4:49
  but
• 4:49
  I
• 4:49
  was
• 4:49
  putting
• 4:49
  all
• 4:50
  of
• 4:50
  it.
• 4:50
  Well,
• 4:50
  no,
• 4:50
  no,
• 4:51
  not
• 4:51
  quite
• 4:51
  all
• 4:51
  of
• 4:51
  it,
• 4:51
  90%
• 4:52
  of
• 4:52
  it
• 4:53
  into
• 4:53
  debt
• 4:54
  reduction.
• 4:54
  When
• 4:55
  I
• 4:55
  was
• 4:55
  starting
• 4:55
  to
• 4:55
  pay
• 4:56
  back
• 4:56
  debt,
• 4:56
  I
• 4:56
  couldn't
• 4:57
  spend
• 4:57
  any
• 4:57
  more
• 4:57
  money,
• 4:57
  so
• 4:57
  I
• 4:58
  had
• 4:58
  to
• 4:58
  stop
• 4:58
  going
• 4:58
  out,
• 4:59
  which
• 4:59
  was
• 4:59
  really
• 5:00
  hard
• 5:00
  because
• 5:00
  everyone
• 5:01
  I
• 5:01
  lived
• 5:02
  with
• 5:02
  and,
• 5:02
  you
• 5:02
  know,
• 5:03
  they
• 5:03
  all
• 5:03
  still
• 5:03
  went
• 5:03
  out
• 5:03
  partying
• 5:04
  and
• 5:04
  I
• 5:04
  was
• 5:04
  just
• 5:04
  like,
• 5:04
  okay.
• 5:05
  So
• 5:06
  I
• 5:06
  hung
• 5:06
  out
• 5:06
  at
• 5:06
  the
• 5:06
  library
• 5:07
  a
• 5:07
  lot,
• 5:09
  in
• 5:09
  the
• 5:09
  aisles
• 5:10
  of
• 5:10
  the.
• 5:10
  In
• 5:10
  the
• 5:10
  personal
• 5:11
  finance
• 5:11
  aisles,
• 5:11
  just
• 5:12
  reading
• 5:12
  every
• 5:12
  book
• 5:12
  I
• 5:12
  could
• 5:13
  come
• 5:13
  across.
• 5:13
  Now,
• 5:13
  this
• 5:14
  was
• 5:14
  sort
• 5:14
  of
• 5:14
  2004
• 5:15
  to
• 5:16
  2005,
• 5:17
  2006,
• 5:17
  so
• 5:18
  there
• 5:18
  was
• 5:18
  not
• 5:19
  content
• 5:19
  online,
• 5:20
  but
• 5:20
  there
• 5:20
  were
• 5:21
  a
• 5:21
  lot
• 5:21
  of
• 5:21
  books
• 5:21
  and
• 5:21
  a
• 5:22
  lot
• 5:22
  of
• 5:22
  them
• 5:22
  were
• 5:22
  about
• 5:22
  frugal
• 5:23
  living
• 5:24
  and
• 5:24
  cutting
• 5:25
  spending.
• 5:25
  And
• 5:26
  I
• 5:26
  found
• 5:26
  this
• 5:26
  amazing
• 5:26
  book
• 5:27
  called
• 5:27
  How
• 5:27
  I
• 5:28
  Lived
• 5:28
  For
• 5:28
  a
• 5:28
  Year
• 5:28
  On
• 5:29
  a
• 5:29
  Pound
• 5:29
  a
• 5:29
  Day.
• 5:30
  She
• 5:30
  just
• 5:30
  made
• 5:30
  this
• 5:31
  book
• 5:31
  of
• 5:31
  this
• 5:31
  challenge
• 5:32
  that
• 5:32
  she
• 5:32
  did
• 5:32
  to
• 5:32
  live
• 5:32
  on
• 5:32
  one
• 5:33
  pound
• 5:33
  a
• 5:33
  day,
• 5:34
  other
• 5:34
  than
• 5:34
  her
• 5:34
  rent
• 5:35
  and
• 5:35
  her
• 5:35
  very
• 5:35
  basic
• 5:36
  food.
• 5:37
  Okay,
• 5:37
  so
• 5:37
  rent
• 5:38
  and
• 5:38
  food
• 5:38
  weren't
• 5:38
  included.
• 5:39
  They
• 5:39
  weren't
• 5:39
  included.
• 5:40
  Basically
• 5:40
  what
• 5:41
  it
• 5:41
  was
• 5:41
  is
• 5:41
  she
• 5:41
  was
• 5:41
  in
• 5:41
  a
• 5:42
  very
• 5:42
  similar
• 5:42
  situation
• 5:43
  to
• 5:43
  me.
• 5:43
  So
• 5:43
  she
• 5:43
  was.
• 5:44
  When
• 5:44
  she
• 5:44
  actually
• 5:44
  had
• 5:44
  this
• 5:45
  epiphany
• 5:45
  that
• 5:45
  she
• 5:45
  was
• 5:45
  going
• 5:45
  to
• 5:46
  stop
• 5:46
  spending
• 5:46
  money,
• 5:46
  she
• 5:47
  was
• 5:47
  in
• 5:47
  the
• 5:47
  pub
• 5:47
  and
• 5:48
  all
• 5:48
  her
• 5:48
  friends
• 5:48
  were
• 5:48
  going,
• 5:48
  how
• 5:49
  are
• 5:49
  you
• 5:49
  going
• 5:49
  to
• 5:49
  do
• 5:49
  that?
• 5:49
  What
• 5:50
  about
• 5:50
  someone's
• 5:50
  birthday?
• 5:51
  How
• 5:51
  are
• 5:51
  we
• 5:51
  going
• 5:51
  to
• 5:51
  go
• 5:51
  on
• 5:51
  this
• 5:51
  trip?
• 5:52
  Blah,
• 5:52
  blah,
• 5:52
  blah.
• 5:52
  And
• 5:53
  she
• 5:53
  agreed
• 5:53
  to
• 5:53
  it
• 5:54
  on
• 5:54
  the
• 5:54
  Saturday
• 5:54
  night
• 5:54
  when
• 5:55
  she
• 5:55
  was
• 5:55
  a
• 5:55
  bit
• 5:55
  tipsy.
• 5:56
  And
• 5:56
  then
• 5:56
  she
• 5:56
  woke
• 5:56
  up
• 5:56
  on
• 5:56
  the
• 5:56
  Sunday
• 5:57
  morning
• 5:57
  going,
• 5:57
  oh,
• 5:57
  I
• 5:58
  can't
• 5:58
  wait
• 5:58
  to
• 5:58
  have
• 5:58
  a
• 5:58
  big
• 5:58
  greasy
• 5:59
  breakfast
• 5:59
  down
• 5:59
  the
• 5:59
  pub.
• 6:00
  And
• 6:00
  then
• 6:00
  she
• 6:00
  went,
• 6:01
  oh,
• 6:01
  my
• 6:01
  God,
• 6:02
  what
• 6:02
  have
• 6:02
  I
• 6:02
  agreed
• 6:02
  to?
• 6:03
  And
• 6:03
  she
• 6:03
  just
• 6:03
  realised
• 6:04
  that
• 6:05
  she
• 6:05
  had
• 6:05
  told
• 6:05
  all
• 6:05
  her
• 6:06
  friends
• 6:06
  that
• 6:06
  she
• 6:06
  was
• 6:06
  gonna
• 6:06
  do
• 6:07
  this
• 6:07
  thing.
• 6:07
  And
• 6:07
  now
• 6:07
  you've
• 6:08
  said
• 6:08
  it
• 6:08
  publicly,
• 6:09
  right?
• 6:09
  You
• 6:09
  gotta
• 6:09
  do
• 6:09
  it
• 6:10
  so
• 6:10
  your
• 6:10
  ego.
• 6:10
  Is
• 6:10
  attached
• 6:11
  to
• 6:11
  it,
• 6:11
  which
• 6:11
  is
• 6:11
  actually
• 6:12
  probably
• 6:12
  very
• 6:12
  smart.
• 6:12
  Like,
• 6:13
  give
• 6:13
  yourself
• 6:13
  something
• 6:13
  to
• 6:14
  lose.
• 6:14
  Exactly.
• 6:15
  And
• 6:15
  so
• 6:16
  she
• 6:16
  did
• 6:16
  this.
• 6:16
  And
• 6:17
  so
• 6:17
  the
• 6:17
  whole
• 6:18
  time,
• 6:18
  I
• 6:18
  think
• 6:18
  I
• 6:18
  found
• 6:19
  the
• 6:19
  book
• 6:20
  perfect
• 6:20
  because
• 6:20
  it
• 6:20
  was
• 6:21
  where
• 6:21
  I
• 6:21
  was
• 6:21
  in
• 6:21
  my
• 6:21
  life.
• 6:22
  You
• 6:23
  know,
• 6:23
  maybe
• 6:23
  someone
• 6:23
  who
• 6:24
  was
• 6:24
  super
• 6:24
  frugal
• 6:25
  already
• 6:25
  might
• 6:26
  be
• 6:26
  like,
• 6:26
  oh,
• 6:26
  that's,
• 6:27
  you
• 6:27
  know,
• 6:27
  nothing.
• 6:27
  But
• 6:27
  I
• 6:27
  was
• 6:28
  not.
• 6:29
  And
• 6:29
  I
• 6:29
  loved
• 6:29
  going
• 6:30
  out
• 6:30
  and
• 6:30
  that
• 6:30
  was
• 6:30
  my
• 6:30
  life.
• 6:31
  And
• 6:31
  it
• 6:31
  was
• 6:31
  fun.
• 6:32
  So
• 6:32
  she
• 6:33
  achieved
• 6:33
  that.
• 6:33
  And
• 6:33
  it
• 6:33
  was
• 6:33
  just
• 6:34
  such
• 6:34
  a
• 6:34
  cool
• 6:34
  book.
• 6:34
  And
• 6:34
  I
• 6:34
  was
• 6:35
  just
• 6:35
  like,
• 6:36
  wow,
• 6:38
  what's
• 6:38
  possible
• 6:38
  if
• 6:38
  we
• 6:39
  just
• 6:39
  start
• 6:39
  to
• 6:40
  just
• 6:40
  maybe
• 6:40
  question
• 6:41
  what
• 6:41
  we're
• 6:41
  doing?
• 6:42
  We
• 6:42
  might
• 6:42
  just
• 6:42
  go,
• 6:42
  oh,
• 6:43
  why
• 6:43
  am
• 6:43
  I
• 6:43
  doing
• 6:43
  this?
• 6:43
  Or
• 6:43
  why
• 6:44
  do
• 6:44
  I
• 6:44
  think
• 6:44
  it's
• 6:44
  so
• 6:44
  normal
• 6:45
  to
• 6:45
  spend
• 6:45
  as
• 6:45
  much
• 6:45
  as
• 6:45
  I
• 6:46
  spend?
• 6:46
  Or
• 6:47
  so
• 6:47
  that
• 6:48
  was
• 6:48
  really
• 6:48
  the
• 6:48
  start
• 6:49
  for
• 6:49
  Me.
• 6:49
  And
• 6:50
  I
• 6:50
  was
• 6:51
  like,
• 6:51
  okay,
• 6:51
  cool.
• 6:51
  I'm
• 6:51
  really
• 6:52
  in
• 6:52
  this
• 6:52
  debt
• 6:52
  thing.
• 6:52
  And
• 6:52
  then
• 6:53
  I
• 6:53
  started
• 6:53
  to
• 6:53
  get
• 6:53
  quite
• 6:54
  obsessed
• 6:54
  with
• 6:54
  it.
• 6:55
  So.
• 6:55
  And
• 6:55
  you've
• 6:55
  talked
• 6:56
  about
• 6:56
  as
• 6:56
  well
• 6:56
  how
• 6:56
  you
• 6:56
  gamified
• 6:57
  paying
• 6:58
  off
• 6:58
  that
• 6:58
  debt,
• 6:58
  which
• 6:59
  I
• 6:59
  think
• 6:59
  is
• 6:59
  really
• 7:00
  smart.
• 7:00
  Anytime
• 7:00
  you've
• 7:00
  got
• 7:00
  a
• 7:00
  big
• 7:01
  goal,
• 7:01
  like
• 7:01
  someone
• 7:01
  could
• 7:01
  look
• 7:01
  at
• 7:02
  $30,000
• 7:02
  in
• 7:03
  debt
• 7:03
  and
• 7:03
  just
• 7:04
  panic
• 7:05
  and
• 7:06
  be
• 7:06
  like,
• 7:06
  oh,
• 7:06
  you
• 7:07
  know
• 7:07
  what,
• 7:07
  that's
• 7:07
  way
• 7:07
  too
• 7:08
  hard.
• 7:08
  And
• 7:08
  I'm
• 7:08
  just
• 7:08
  going
• 7:08
  to
• 7:08
  stick
• 7:08
  my
• 7:08
  head
• 7:09
  in
• 7:09
  the
• 7:09
  sand
• 7:09
  and
• 7:09
  no,
• 7:10
  thank
• 7:10
  you.
• 7:10
  And
• 7:10
  I
• 7:11
  think
• 7:11
  that's
• 7:11
  the
• 7:11
  big
• 7:11
  danger.
• 7:12
  You
• 7:12
  know,
• 7:12
  even
• 7:12
  if
• 7:12
  you've
• 7:13
  got
• 7:13
  a
• 7:13
  different
• 7:13
  kind
• 7:14
  of
• 7:14
  goal,
• 7:14
  like,
• 7:14
  you're
• 7:15
  like,
• 7:15
  I
• 7:15
  would
• 7:15
  like
• 7:16
  to
• 7:16
  retire
• 7:16
  early.
• 7:16
  And
• 7:17
  then
• 7:17
  you
• 7:17
  run
• 7:17
  the
• 7:17
  numbers
• 7:17
  and
• 7:17
  you
• 7:18
  like,
• 7:18
  I
• 7:18
  need
• 7:18
  to
• 7:18
  invest
• 7:19
  a
• 7:19
  million
• 7:19
  dollars.
• 7:20
  I'm
• 7:20
  never
• 7:20
  going
• 7:21
  to
• 7:21
  make
• 7:21
  that.
• 7:21
  Like,
• 7:22
  that's
• 7:22
  insane.
• 7:23
  So
• 7:23
  to
• 7:24
  break
• 7:24
  down
• 7:24
  these
• 7:25
  bigger
• 7:25
  goals
• 7:26
  and
• 7:26
  gamify
• 7:27
  them
• 7:27
  so
• 7:28
  that
• 7:28
  you
• 7:28
  keep
• 7:28
  going,
• 7:28
  I
• 7:28
  just
• 7:29
  always
• 7:29
  think
• 7:29
  that's
• 7:29
  so
• 7:29
  smart.
• 7:30
  So
• 7:30
  how
• 7:30
  did
• 7:30
  you
• 7:31
  gamify
• 7:31
  paying
• 7:32
  off
• 7:32
  your
• 7:32
  debt?
• 7:32
  What
• 7:32
  worked
• 7:33
  for
• 7:33
  you?
• 7:33
  I
• 7:34
  used
• 7:34
  the
• 7:34
  debt
• 7:34
  snowball
• 7:35
  strategy.
• 7:35
  So
• 7:36
  that's
• 7:36
  when
• 7:36
  you
• 7:36
  break
• 7:36
  down.
• 7:37
  So
• 7:37
  I
• 7:38
  wasn't
• 7:38
  looking
• 7:38
  at
• 7:38
  the
• 7:38
  interest
• 7:39
  rate.
• 7:39
  I
• 7:39
  wasn't
• 7:39
  going.
• 7:40
  The
• 7:40
  debt
• 7:40
  avalanche
• 7:41
  is
• 7:41
  the
• 7:41
  smart
• 7:41
  way
• 7:41
  to
• 7:41
  do
• 7:42
  it.
• 7:42
  Technically,
• 7:42
  you're
• 7:42
  going
• 7:43
  to
• 7:43
  save
• 7:43
  more
• 7:43
  money
• 7:43
  because
• 7:43
  you're
• 7:43
  going
• 7:43
  to
• 7:44
  pay
• 7:44
  less
• 7:44
  interest.
• 7:44
  But
• 7:44
  that
• 7:45
  did
• 7:45
  not
• 7:45
  work
• 7:45
  for
• 7:45
  me
• 7:45
  because
• 7:46
  obviously
• 7:46
  it's
• 7:47
  a
• 7:47
  psychology
• 7:47
  thing.
• 7:48
  So
• 7:48
  I
• 7:48
  had,
• 7:48
  you
• 7:48
  know,
• 7:49
  a
• 7:49
  small
• 7:49
  credit
• 7:50
  card,
• 7:50
  a
• 7:50
  store
• 7:51
  card.
• 7:51
  I
• 7:51
  had
• 7:52
  sort
• 7:53
  of
• 7:53
  a
• 7:53
  revolving
• 7:53
  loan,
• 7:54
  credit
• 7:55
  loan
• 7:55
  thing,
• 7:55
  and
• 7:55
  then
• 7:55
  I
• 7:55
  had
• 7:56
  a
• 7:56
  personal
• 7:56
  loan.
• 7:56
  The
• 7:56
  personal
• 7:57
  loan
• 7:57
  was
• 7:57
  massive.
• 7:57
  So
• 7:58
  that
• 7:58
  was
• 7:58
  just
• 7:58
  like,
• 7:59
  put
• 7:59
  that
• 7:59
  one
• 7:59
  over
• 7:59
  there.
• 8:00
  We're
• 8:00
  going
• 8:00
  to
• 8:00
  deal
• 8:00
  with
• 8:01
  the.
• 8:01
  You
• 8:01
  know,
• 8:02
  I
• 8:02
  think
• 8:02
  the
• 8:02
  first
• 8:02
  credit
• 8:03
  card
• 8:03
  was
• 8:03
  $3,000.
• 8:04
  So
• 8:04
  I
• 8:04
  was
• 8:04
  like,
• 8:04
  that's
• 8:04
  the
• 8:04
  first
• 8:04
  thing
• 8:05
  I'm
• 8:05
  going
• 8:05
  to
• 8:05
  focus
• 8:05
  on.
• 8:05
  I'm
• 8:06
  just
• 8:06
  going
• 8:06
  to
• 8:06
  pretend
• 8:06
  these
• 8:06
  other
• 8:06
  ones
• 8:07
  don't
• 8:07
  exist.
• 8:07
  They're
• 8:07
  small,
• 8:08
  achievable.
• 8:08
  Exactly.
• 8:09
  I
• 8:09
  can
• 8:09
  do
• 8:09
  this.
• 8:09
  Right?
• 8:10
  Exactly.
• 8:10
  So
• 8:10
  I
• 8:10
  didn't
• 8:11
  ignore
• 8:12
  those.
• 8:12
  I
• 8:12
  made
• 8:12
  the
• 8:12
  minimum
• 8:13
  payment
• 8:13
  on
• 8:13
  those
• 8:13
  other
• 8:14
  debts
• 8:14
  while
• 8:14
  I
• 8:14
  was
• 8:14
  focused
• 8:15
  on
• 8:15
  the
• 8:16
  small
• 8:16
  credit
• 8:16
  card.
• 8:17
  And
• 8:17
  then
• 8:17
  once
• 8:17
  that
• 8:17
  was
• 8:18
  gone,
• 8:19
  I
• 8:19
  used
• 8:20
  the
• 8:20
  money
• 8:20
  that
• 8:20
  I
• 8:20
  was
• 8:20
  spending
• 8:21
  on
• 8:21
  that
• 8:21
  to
• 8:21
  the
• 8:21
  next
• 8:22
  one.
• 8:22
  And
• 8:22
  so
• 8:23
  that's
• 8:23
  how
• 8:23
  it
• 8:23
  snowballs.
• 8:24
  It
• 8:24
  rolls
• 8:24
  over
• 8:24
  the
• 8:24
  money
• 8:25
  that
• 8:25
  you're
• 8:26
  currently
• 8:26
  paying
• 8:27
  off.
• 8:27
  The
• 8:27
  first
• 8:27
  debt
• 8:28
  rolls
• 8:28
  over
• 8:28
  onto
• 8:28
  the
• 8:28
  second.
• 8:29
  The
• 8:29
  snowball
• 8:29
  gets
• 8:30
  so
• 8:30
  big
• 8:30
  that
• 8:30
  by
• 8:31
  the
• 8:31
  time
• 8:31
  you
• 8:31
  get
• 8:31
  to
• 8:31
  that
• 8:31
  big
• 8:31
  debt
• 8:32
  at
• 8:32
  the
• 8:32
  end,
• 8:32
  you've
• 8:32
  got
• 8:33
  all
• 8:33
  this
• 8:33
  extra
• 8:34
  money
• 8:34
  going,
• 8:35
  and
• 8:35
  it
• 8:35
  just
• 8:35
  annihilates
• 8:36
  that
• 8:36
  so
• 8:36
  quickly.
• 8:37
  So
• 8:37
  for
• 8:37
  me,
• 8:38
  just.
• 8:38
  I
• 8:39
  saw
• 8:39
  them
• 8:39
  as
• 8:39
  separate
• 8:40
  amounts.
• 8:40
  I
• 8:40
  didn't
• 8:40
  see
• 8:41
  a
• 8:41
  big
• 8:41
  pile
• 8:41
  or
• 8:42
  I
• 8:42
  would
• 8:42
  have
• 8:42
  just
• 8:42
  done
• 8:42
  nothing.
• 8:43
  I
• 8:43
  would
• 8:43
  have
• 8:43
  been
• 8:43
  completely
• 8:44
  paralyzed
• 8:45
  by
• 8:45
  just
• 8:46
  how
• 8:46
  terrifying
• 8:47
  it
• 8:47
  was.
• 8:47
  Another
• 8:48
  thing
• 8:48
  I
• 8:48
  did
• 8:48
  is
• 8:48
  I
• 8:49
  started
• 8:49
  saving.
• 8:49
  So
• 8:50
  I
• 8:50
  decided
• 8:50
  that
• 8:50
  I
• 8:51
  would
• 8:51
  put
• 8:51
  10%
• 8:51
  of
• 8:51
  everything
• 8:52
  I.
• 8:52
  All
• 8:53
  of
• 8:53
  my
• 8:53
  extra
• 8:53
  income
• 8:54
  into
• 8:54
  savings,
• 8:55
  because
• 8:55
  I'd
• 8:55
  never
• 8:55
  had
• 8:56
  savings.
• 8:56
  I'd
• 8:57
  always
• 8:57
  just
• 8:57
  worked
• 8:58
  and
• 8:58
  spent
• 8:58
  everything
• 8:59
  and
• 8:59
  worked
• 9:00
  and
• 9:00
  I
• 9:00
  knew
• 9:00
  I
• 9:00
  could
• 9:01
  always
• 9:01
  work
• 9:01
  because
• 9:01
  I'm
• 9:02
  a
• 9:02
  grafter.
• 9:02
  I
• 9:02
  could
• 9:02
  always
• 9:03
  work.
• 9:03
  And
• 9:03
  so
• 9:04
  that's
• 9:04
  fine.
• 9:04
  Whatever
• 9:04
  I
• 9:04
  can
• 9:05
  earn,
• 9:05
  as
• 9:05
  long
• 9:05
  as
• 9:05
  I
• 9:05
  can
• 9:05
  work,
• 9:06
  I
• 9:06
  can
• 9:06
  afford
• 9:06
  my
• 9:07
  life.
• 9:07
  But
• 9:07
  what
• 9:07
  happened
• 9:08
  is
• 9:08
  I
• 9:09
  couldn't
• 9:09
  afford
• 9:09
  anything
• 9:09
  else.
• 9:10
  I
• 9:10
  couldn't
• 9:10
  afford.
• 9:11
  So
• 9:11
  friends
• 9:11
  who
• 9:11
  were
• 9:11
  going
• 9:11
  off
• 9:12
  backpacking
• 9:12
  for,
• 9:12
  you
• 9:13
  know,
• 9:13
  six
• 9:13
  weeks
• 9:13
  up
• 9:13
  the
• 9:14
  east
• 9:14
  coast
• 9:14
  of
• 9:14
  Australia,
• 9:14
  they're
• 9:15
  like,
• 9:15
  do
• 9:15
  you
• 9:15
  want
• 9:15
  to
• 9:15
  come?
• 9:15
  And
• 9:16
  I
• 9:16
  was
• 9:16
  like,
• 9:16
  nah,
• 9:17
  can't
• 9:17
  afford
• 9:17
  it.
• 9:17
  I
• 9:18
  started
• 9:18
  to
• 9:18
  put
• 9:18
  the
• 9:18
  $10
• 9:19
  a
• 9:19
  week
• 9:19
  or
• 9:19
  10%.
• 9:20
  It
• 9:20
  sort
• 9:20
  of
• 9:20
  started
• 9:21
  as
• 9:21
  $10
• 9:21
  and
• 9:21
  then
• 9:22
  as
• 9:22
  I
• 9:22
  earned
• 9:22
  more,
• 9:22
  it
• 9:22
  became
• 9:23
  sort
• 9:23
  of
• 9:23
  10%
• 9:24
  into
• 9:24
  savings
• 9:25
  just
• 9:25
  because
• 9:25
  I'd
• 9:25
  never
• 9:25
  had
• 9:26
  a
• 9:26
  savings
• 9:26
  account.
• 9:27
  So,
• 9:27
  yeah,
• 9:27
  starting
• 9:27
  to
• 9:28
  have
• 9:28
  money
• 9:28
  for
• 9:28
  myself.
• 9:29
  And
• 9:29
  then
• 9:30
  that
• 9:30
  becomes
• 9:31
  quite
• 9:31
  addictive
• 9:31
  once
• 9:32
  you've.
• 9:32
  If
• 9:32
  you've
• 9:32
  never
• 9:32
  had
• 9:33
  it,
• 9:33
  it
• 9:33
  becomes
• 9:33
  something
• 9:34
  you've
• 9:34
  really
• 9:34
  quite
• 9:34
  protective
• 9:35
  of.
• 9:35
  And
• 9:35
  then,
• 9:36
  you
• 9:36
  know,
• 9:36
  and
• 9:36
  I
• 9:37
  started
• 9:37
  to
• 9:37
  learn
• 9:37
  about,
• 9:37
  you
• 9:37
  know,
• 9:38
  earning
• 9:38
  interest
• 9:38
  on
• 9:38
  it,
• 9:38
  on
• 9:39
  my
• 9:39
  money
• 9:39
  and
• 9:39
  how
• 9:39
  my
• 9:40
  money
• 9:40
  can
• 9:40
  make
• 9:40
  money
• 9:40
  and,
• 9:41
  oh,
• 9:42
  my
• 9:42
  goodness,
• 9:43
  interest
• 9:43
  and
• 9:43
  compound
• 9:44
  interest
• 9:44
  and
• 9:45
  just
• 9:46
  brain.
• 9:46
  Yeah,
• 9:46
  brain
• 9:47
  explosion.
• 9:47
  So
• 9:48
  because
• 9:48
  I'd
• 9:49
  sort
• 9:49
  of
• 9:49
  started
• 9:49
  this
• 9:50
  journey
• 9:50
  of
• 9:50
  learning
• 9:50
  how
• 9:50
  to
• 9:51
  live
• 9:51
  frugally,
• 9:51
  payback
• 9:52
  debt.
• 9:52
  I
• 9:53
  feel
• 9:53
  like
• 9:53
  there's
• 9:53
  a
• 9:53
  natural
• 9:54
  movement
• 9:54
  onto
• 9:55
  how
• 9:55
  to
• 9:56
  create
• 9:56
  wealth,
• 9:56
  how
• 9:56
  to
• 9:56
  make
• 9:57
  your
• 9:57
  money
• 9:57
  work
• 9:57
  hard,
• 9:57
  how
• 9:58
  to
• 9:58
  make
• 9:58
  your
• 9:58
  money
• 9:59
  make
• 9:59
  money.
• 10:00
  Once
• 10:00
  you're
• 10:00
  in
• 10:00
  it,
• 10:00
  you
• 10:01
  can't
• 10:01
  stop,
• 10:01
  really.
• 10:02
  It's
• 10:02
  like
• 10:03
  this
• 10:03
  world
• 10:04
  unlocks
• 10:05
  absolutely
• 10:05
  where
• 10:06
  you've
• 10:06
  been
• 10:06
  playing
• 10:07
  life
• 10:07
  unknowingly
• 10:08
  on
• 10:09
  hard
• 10:09
  mode,
• 10:10
  for
• 10:10
  sure.
• 10:11
  That's
• 10:11
  such
• 10:11
  a
• 10:11
  good
• 10:11
  way
• 10:11
  of
• 10:11
  putting
• 10:12
  it
• 10:12
  right.
• 10:12
  And
• 10:13
  then
• 10:13
  you
• 10:13
  start.
• 10:14
  It's
• 10:14
  a
• 10:14
  little
• 10:15
  bit
• 10:15
  harder
• 10:15
  at
• 10:15
  first.
• 10:15
  As
• 10:16
  you
• 10:16
  said,
• 10:16
  you
• 10:16
  went
• 10:16
  out,
• 10:17
  you
• 10:17
  got
• 10:17
  extra
• 10:17
  jobs,
• 10:18
  you
• 10:18
  paid
• 10:18
  off
• 10:18
  the
• 10:18
  debt,
• 10:18
  and
• 10:18
  I'm
• 10:19
  sure
• 10:19
  that
• 10:19
  was
• 10:19
  hard.
• 10:20
  But
• 10:20
  then
• 10:20
  you
• 10:21
  start
• 10:21
  to
• 10:21
  see
• 10:21
  the
• 10:21
  benefits
• 10:22
  from
• 10:22
  that.
• 10:22
  And
• 10:22
  then
• 10:23
  those
• 10:23
  wins
• 10:24
  start
• 10:24
  to
• 10:24
  stack
• 10:25
  up.
• 10:25
  And
• 10:26
  all
• 10:26
  of
• 10:26
  a
• 10:26
  sudden
• 10:26
  that
• 10:27
  little
• 10:27
  bit
• 10:27
  of
• 10:27
  extra
• 10:28
  effort,
• 10:29
  your
• 10:30
  not
• 10:30
  having
• 10:30
  to
• 10:30
  put
• 10:31
  in
• 10:31
  as
• 10:31
  much
• 10:31
  extra
• 10:32
  effort
• 10:32
  because
• 10:32
  you
• 10:32
  don't
• 10:32
  have
• 10:32
  as
• 10:32
  much
• 10:33
  pulling
• 10:33
  you
• 10:33
  back,
• 10:33
  you've
• 10:33
  paid
• 10:34
  off
• 10:34
  that
• 10:34
  stuff
• 10:34
  that's
• 10:35
  pulling
• 10:35
  you
• 10:35
  back,
• 10:36
  you
• 10:36
  start
• 10:36
  pushing
• 10:36
  ahead
• 10:37
  and
• 10:37
  all
• 10:38
  of
• 10:38
  a
• 10:38
  sudden
• 10:38
  you
• 10:38
  start
• 10:38
  to
• 10:39
  realize,
• 10:39
  I
• 10:39
  could
• 10:39
  play
• 10:40
  life
• 10:40
  on
• 10:40
  easy
• 10:41
  mode.
• 10:41
  Here's
• 10:42
  all
• 10:42
  these
• 10:42
  other
• 10:42
  tactics.
• 10:43
  Is
• 10:44
  it
• 10:44
  that
• 10:45
  moment
• 10:45
  when
• 10:45
  the
• 10:45
  penny
• 10:45
  drops.
• 10:46
  Isn't
• 10:46
  that
• 10:46
  like
• 10:46
  the
• 10:47
  world
• 10:47
  just
• 10:47
  sort
• 10:47
  of
• 10:47
  opens
• 10:48
  up
• 10:48
  and
• 10:48
  you're
• 10:48
  like,
• 10:48
  oh,
• 10:48
  hang
• 10:49
  on.
• 10:49
  Yes.
• 10:49
  This
• 10:50
  is
• 10:50
  one
• 10:50
  benefit
• 10:51
  of
• 10:51
  if
• 10:51
  you
• 10:51
  grow
• 10:51
  up
• 10:51
  with
• 10:52
  a
• 10:52
  family
• 10:52
  who
• 10:52
  speak
• 10:53
  about
• 10:53
  money.
• 10:53
  I
• 10:53
  like
• 10:53
  to
• 10:54
  consider
• 10:54
  myself,
• 10:55
  I'm
• 10:55
  going
• 10:56
  to
• 10:56
  be
• 10:56
  first
• 10:56
  generation
• 10:56
  rich
• 10:57
  and
• 10:57
  my
• 10:57
  kids
• 10:57
  are
• 10:57
  going
• 10:58
  to
• 10:58
  be
• 10:58
  the
• 10:58
  ones
• 10:58
  that
• 10:58
  benefit
• 10:59
  from
• 10:59
  that.
• 10:59
  But
• 10:59
  I
• 10:59
  have
• 10:59
  to
• 11:00
  figure
• 11:00
  everything
• 11:00
  out
• 11:00
  for
• 11:01
  myself
• 11:02
  when
• 11:02
  people,
• 11:02
  like,
• 11:03
  they're
• 11:03
  like,
• 11:03
  oh,
• 11:04
  this
• 11:04
  world
• 11:04
  exists.
• 11:05
  And
• 11:05
  we,
• 11:05
  you
• 11:05
  know,
• 11:06
  if
• 11:06
  I
• 11:06
  tell
• 11:06
  my
• 11:06
  kids
• 11:06
  about
• 11:07
  how
• 11:07
  investing
• 11:07
  works
• 11:08
  or
• 11:08
  that
• 11:08
  they
• 11:08
  know
• 11:09
  and
• 11:09
  they
• 11:09
  grow
• 11:09
  up
• 11:09
  and
• 11:09
  they
• 11:09
  know,
• 11:10
  but
• 11:10
  I
• 11:10
  didn't
• 11:10
  know.
• 11:11
  So
• 11:11
  I
• 11:12
  did
• 11:12
  feel
• 11:12
  like
• 11:12
  it
• 11:12
  had
• 11:13
  been
• 11:13
  unlocked
• 11:13
  and
• 11:13
  I
• 11:13
  was
• 11:14
  just
• 11:14
  like,
• 11:14
  oh,
• 11:14
  this
• 11:14
  is
• 11:15
  how
• 11:15
  they
• 11:15
  do
• 11:15
  it.
• 11:15
  Like,
• 11:15
  I'd
• 11:15
  always
• 11:16
  been
• 11:16
  interested
• 11:16
  in
• 11:16
  how
• 11:17
  people,
• 11:18
  you
• 11:18
  know,
• 11:18
  live
• 11:19
  a
• 11:19
  different
• 11:19
  life
• 11:19
  or
• 11:19
  whatever,
• 11:20
  but
• 11:20
  I
• 11:20
  just
• 11:20
  never
• 11:20
  thought
• 11:20
  it
• 11:21
  was
• 11:21
  possible
• 11:21
  for
• 11:22
  me.
• 11:23
  So
• 11:23
  to
• 11:23
  have.
• 11:24
  I'd
• 11:24
  identify
• 11:25
  that.
• 11:25
  Yeah,
• 11:25
  exactly.
• 11:26
  And
• 11:27
  then
• 11:27
  it
• 11:27
  was
• 11:27
  like,
• 11:27
  oh,
• 11:28
  well,
• 11:28
  that's
• 11:28
  actually
• 11:28
  once
• 11:28
  you
• 11:29
  start
• 11:29
  to
• 11:30
  think
• 11:30
  about
• 11:30
  it
• 11:30
  and
• 11:31
  start
• 11:31
  to
• 11:31
  educate
• 11:31
  yourself,
• 11:32
  it's
• 11:32
  actually
• 11:32
  possible
• 11:33
  for
• 11:33
  everybody
• 11:34
  on
• 11:34
  whatever
• 11:34
  income
• 11:35
  they're
• 11:35
  on.
• 11:36
  It
• 11:36
  just
• 11:36
  depends
• 11:36
  on
• 11:37
  how
• 11:37
  much
• 11:37
  they
• 11:37
  spend.
• 11:39
  So
• 11:39
  at
• 11:39
  what
• 11:40
  point
• 11:40
  in
• 11:40
  your
• 11:40
  debt
• 11:40
  payoff
• 11:41
  journey
• 11:41
  did
• 11:41
  you
• 11:41
  start
• 11:41
  to
• 11:42
  realize
• 11:43
  once
• 11:43
  this
• 11:43
  is
• 11:44
  gone,
• 11:44
  there's
• 11:44
  actually
• 11:45
  all
• 11:45
  these
• 11:45
  other
• 11:45
  avenues
• 11:46
  and
• 11:46
  what
• 11:46
  started
• 11:46
  to
• 11:47
  get
• 11:47
  your
• 11:47
  interest
• 11:47
  in
• 11:47
  other
• 11:48
  areas?
• 11:48
  Obviously,
• 11:49
  sitting
• 11:49
  in
• 11:49
  the
• 11:50
  personal
• 11:50
  finance
• 11:50
  aisle
• 11:50
  at
• 11:50
  the
• 11:51
  library
• 11:51
  in
• 11:51
  2006,
• 11:52
  that
• 11:52
  was
• 11:52
  a
• 11:53
  real
• 11:53
  peak
• 11:53
  boom.
• 11:53
  Time
• 11:54
  and
• 11:54
  property.
• 11:55
  All
• 11:55
  these
• 11:55
  books
• 11:55
  were
• 11:55
  about
• 11:55
  property
• 11:56
  investment.
• 11:56
  There's
• 11:57
  nothing
• 11:57
  else
• 11:57
  about
• 11:57
  shares.
• 11:58
  I
• 11:58
  mean,
• 11:58
  there
• 11:58
  might
• 11:58
  have
• 11:58
  been
• 11:59
  one
• 11:59
  book,
• 11:59
  but
• 11:59
  no
• 11:59
  one
• 11:59
  read
• 11:59
  it,
• 12:00
  like.
• 12:00
  And
• 12:00
  I
• 12:01
  found
• 12:01
  a
• 12:01
  book
• 12:01
  called
• 12:02
  130
• 12:02
  Properties
• 12:03
  in
• 12:03
  3.5
• 12:04
  Years
• 12:04
  by
• 12:04
  Steve
• 12:05
  McKnight.
• 12:05
  So
• 12:05
  he's
• 12:05
  an
• 12:06
  Australian
• 12:06
  property
• 12:06
  investor,
• 12:07
  picked
• 12:07
  it
• 12:07
  up
• 12:08
  and
• 12:08
  I
• 12:08
  was
• 12:08
  like,
• 12:08
  oh
• 12:09
  my
• 12:09
  goodness.
• 12:09
  And
• 12:10
  it
• 12:10
  was
• 12:10
  just.
• 12:10
  He
• 12:10
  broke
• 12:11
  down
• 12:11
  everything.
• 12:11
  Like
• 12:12
  how
• 12:12
  we
• 12:12
  saved
• 12:12
  the
• 12:12
  deposit,
• 12:14
  the
• 12:14
  cash
• 12:14
  flow,
• 12:14
  how
• 12:15
  much,
• 12:15
  all
• 12:15
  these.
• 12:15
  And
• 12:16
  I
• 12:16
  was
• 12:16
  like,
• 12:16
  wow,
• 12:17
  cool.
• 12:18
  So
• 12:18
  I
• 12:18
  had
• 12:18
  been
• 12:18
  saving
• 12:19
  or
• 12:19
  we'd
• 12:19
  been.
• 12:20
  We'd
• 12:20
  got
• 12:20
  rid
• 12:21
  of
• 12:21
  all
• 12:21
  our
• 12:21
  debt
• 12:21
  and
• 12:21
  I
• 12:21
  was
• 12:21
  like,
• 12:22
  well,
• 12:22
  if
• 12:22
  we
• 12:22
  just.
• 12:22
  If
• 12:22
  I
• 12:22
  continue
• 12:23
  these
• 12:23
  extra
• 12:23
  jobs,
• 12:23
  sorry.
• 12:24
  And
• 12:24
  my
• 12:24
  husband
• 12:25
  did.
• 12:25
  Took
• 12:25
  all
• 12:25
  the
• 12:25
  overtime
• 12:26
  he
• 12:26
  could
• 12:26
  get.
• 12:27
  So
• 12:27
  working
• 12:27
  tons
• 12:27
  of
• 12:28
  hours
• 12:28
  and
• 12:28
  we
• 12:29
  didn't
• 12:29
  have
• 12:29
  kids
• 12:29
  at
• 12:29
  this
• 12:29
  stage,
• 12:30
  so
• 12:30
  it's
• 12:31
  so
• 12:31
  much
• 12:31
  easier
• 12:31
  to
• 12:32
  get
• 12:32
  it
• 12:32
  sorted
• 12:32
  before
• 12:32
  you
• 12:33
  have
• 12:33
  kids.
• 12:33
  Like,
• 12:33
  I
• 12:34
  know
• 12:34
  that
• 12:34
  it's
• 12:35
  hard
• 12:35
  if
• 12:35
  you
• 12:35
  don't
• 12:35
  discover
• 12:36
  that
• 12:36
  till
• 12:36
  after.
• 12:36
  But
• 12:36
  that
• 12:37
  was
• 12:37
  a
• 12:37
  real,
• 12:37
  like,
• 12:38
  yeah,
• 12:38
  that
• 12:38
  made
• 12:38
  a
• 12:38
  huge
• 12:39
  difference.
• 12:39
  So
• 12:39
  we
• 12:39
  could
• 12:40
  just
• 12:40
  work
• 12:40
  so
• 12:40
  many
• 12:40
  hours
• 12:40
  a
• 12:41
  week
• 12:41
  each
• 12:41
  and
• 12:42
  keep
• 12:42
  our
• 12:43
  expenses
• 12:43
  low.
• 12:44
  But.
• 12:44
  So
• 12:44
  then
• 12:44
  I
• 12:44
  found
• 12:45
  him
• 12:45
  and
• 12:46
  he
• 12:46
  was
• 12:46
  Australian,
• 12:47
  but
• 12:47
  he'd
• 12:47
  actually
• 12:47
  Come
• 12:47
  to
• 12:47
  New
• 12:48
  Zealand
• 12:48
  to
• 12:48
  buy
• 12:48
  cashflow
• 12:49
  positive
• 12:49
  properties
• 12:49
  because
• 12:49
  the
• 12:50
  cash
• 12:50
  flow
• 12:50
  was
• 12:50
  so
• 12:50
  much
• 12:50
  better
• 12:50
  in
• 12:51
  New
• 12:51
  Zealand.
• 12:51
  And
• 12:51
  I
• 12:51
  was
• 12:51
  like,
• 12:52
  well,
• 12:52
  I
• 12:52
  know
• 12:52
  New
• 12:52
  Zealand,
• 12:53
  so
• 12:54
  I'm
• 12:54
  going
• 12:54
  home
• 12:54
  to
• 12:54
  buy
• 12:54
  some
• 12:55
  houses.
• 12:55
  And
• 12:56
  so,
• 12:57
  yes,
• 12:57
  that's
• 12:57
  when
• 12:57
  I
• 12:58
  started
• 12:58
  being
• 12:58
  interested
• 12:58
  in
• 12:59
  property
• 12:59
  investment
• 12:59
  in
• 12:59
  New
• 12:59
  Zealand.
• 13:00
  Okay,
• 13:01
  so
• 13:02
  was
• 13:02
  this
• 13:03
  before
• 13:03
  you'd
• 13:04
  cleared
• 13:04
  off
• 13:04
  all
• 13:04
  that
• 13:04
  debt
• 13:05
  or
• 13:05
  after?
• 13:06
  After.
• 13:06
  We
• 13:06
  had
• 13:06
  to
• 13:07
  save
• 13:07
  a
• 13:07
  10%
• 13:07
  deposit.
• 13:08
  So
• 13:08
  in
• 13:08
  those
• 13:08
  days,
• 13:09
  you
• 13:09
  know,
• 13:09
  you
• 13:09
  had
• 13:09
  to
• 13:09
  save
• 13:09
  cash
• 13:10
  deposit.
• 13:10
  We
• 13:10
  were
• 13:10
  earning
• 13:11
  such
• 13:11
  great
• 13:11
  incomes
• 13:11
  in
• 13:12
  Sydney.
• 13:12
  We
• 13:13
  lived
• 13:13
  in
• 13:14
  a
• 13:14
  share
• 13:14
  house,
• 13:14
  so
• 13:14
  we
• 13:14
  had
• 13:15
  low
• 13:15
  rent.
• 13:15
  We
• 13:15
  were
• 13:16
  living
• 13:16
  completely
• 13:16
  on
• 13:17
  one
• 13:17
  of
• 13:17
  our
• 13:17
  incomes
• 13:18
  and
• 13:18
  saving
• 13:18
  the
• 13:19
  other
• 13:19
  one.
• 13:20
  So
• 13:20
  we
• 13:20
  were
• 13:20
  like,
• 13:21
  well,
• 13:21
  we'll
• 13:21
  just
• 13:21
  stay
• 13:21
  here.
• 13:22
  Just
• 13:22
  came
• 13:22
  back
• 13:22
  here.
• 13:23
  I
• 13:23
  did
• 13:23
  a
• 13:23
  bit
• 13:23
  of
• 13:23
  a.
• 13:23
  Got
• 13:23
  my
• 13:24
  parents
• 13:24
  to
• 13:24
  drive
• 13:24
  me
• 13:24
  around
• 13:25
  and
• 13:25
  went
• 13:25
  in
• 13:26
  just
• 13:26
  like
• 13:26
  a
• 13:26
  24
• 13:27
  year
• 13:27
  old.
• 13:27
  Know
• 13:27
  it
• 13:27
  all.
• 13:28
  Just
• 13:28
  like
• 13:28
  walking
• 13:28
  into
• 13:28
  a
• 13:29
  real
• 13:29
  estate.
• 13:29
  Like
• 13:29
  I
• 13:29
  know
• 13:29
  all
• 13:30
  this
• 13:30
  about
• 13:30
  investment,
• 13:30
  blah,
• 13:31
  blah,
• 13:31
  blah.
• 13:31
  I
• 13:31
  had
• 13:32
  no
• 13:32
  idea.
• 13:32
  Now
• 13:32
  I
• 13:32
  think
• 13:32
  about
• 13:33
  it,
• 13:33
  I
• 13:33
  just
• 13:33
  die.
• 13:33
  Like
• 13:34
  I
• 13:34
  imagine
• 13:34
  what
• 13:34
  I
• 13:34
  must
• 13:35
  have
• 13:35
  looked
• 13:35
  like.
• 13:35
  But
• 13:36
  there's
• 13:36
  kind
• 13:36
  of
• 13:36
  a
• 13:36
  sweet
• 13:37
  spot
• 13:37
  in
• 13:37
  naivety
• 13:37
  though,
• 13:38
  right?
• 13:38
  There
• 13:38
  is.
• 13:39
  Because
• 13:39
  I
• 13:39
  wouldn't
• 13:39
  have
• 13:39
  done
• 13:39
  anything.
• 13:40
  I
• 13:40
  wouldn't
• 13:40
  do
• 13:41
  that
• 13:41
  now.
• 13:41
  Like
• 13:41
  I
• 13:42
  wouldn't
• 13:42
  do
• 13:42
  it
• 13:42
  now,
• 13:42
  but
• 13:43
  I
• 13:43
  just.
• 13:43
  Yeah.
• 13:43
  So
• 13:44
  I
• 13:44
  think
• 13:44
  there's
• 13:44
  definitely.
• 13:44
  You
• 13:44
  get
• 13:44
  in
• 13:45
  over
• 13:45
  your
• 13:45
  head
• 13:45
  and
• 13:45
  then
• 13:45
  you
• 13:45
  just
• 13:46
  frantically.
• 13:46
  Doggy
• 13:46
  paddle.
• 13:47
  Yeah,
• 13:47
  yeah,
• 13:47
  exactly.
• 13:48
  You've
• 13:48
  done
• 13:48
  it
• 13:48
  now.
• 13:48
  So
• 13:48
  you've
• 13:49
  just
• 13:49
  got
• 13:49
  to
• 13:49
  make
• 13:49
  it
• 13:49
  works.
• 13:50
  And
• 13:50
  we
• 13:50
  ended
• 13:50
  up
• 13:51
  sort
• 13:51
  of.
• 13:52
  Right
• 13:52
  now
• 13:52
  we've
• 13:53
  sort
• 13:53
  of
• 13:53
  bought
• 13:53
  and
• 13:53
  sold
• 13:54
  a
• 13:54
  few,
• 13:54
  but
• 13:54
  we
• 13:54
  have
• 13:55
  four
• 13:56
  properties
• 13:56
  plus
• 13:57
  the
• 13:57
  one
• 13:57
  we
• 13:57
  live
• 13:57
  on
• 13:57
  now,
• 13:58
  rental
• 13:58
  properties,
• 13:58
  which
• 13:59
  is
• 14:00
  now.
• 14:00
  My
• 14:00
  feelings
• 14:01
  on
• 14:01
  property
• 14:01
  aren't
• 14:01
  the
• 14:02
  same
• 14:02
  and
• 14:02
  I
• 14:03
  wouldn't
• 14:03
  start
• 14:03
  investing
• 14:04
  in
• 14:04
  property
• 14:04
  today.
• 14:05
  Hit
• 14:05
  me
• 14:06
  with
• 14:06
  that.
• 14:06
  Okay,
• 14:07
  so
• 14:07
  you
• 14:07
  do
• 14:07
  have
• 14:08
  investment
• 14:08
  properties
• 14:09
  and
• 14:09
  you're
• 14:09
  still
• 14:09
  holding
• 14:10
  onto
• 14:10
  them,
• 14:11
  but
• 14:11
  if
• 14:11
  you
• 14:11
  were
• 14:11
  to
• 14:11
  start
• 14:12
  now,
• 14:12
  you
• 14:13
  wouldn't
• 14:13
  go
• 14:13
  for
• 14:13
  investment
• 14:14
  property.
• 14:14
  Tell
• 14:14
  me
• 14:15
  I
• 14:15
  didn't
• 14:16
  know
• 14:16
  better.
• 14:16
  I
• 14:17
  think
• 14:17
  property
• 14:17
  was
• 14:17
  all
• 14:18
  there
• 14:18
  was
• 14:20
  to
• 14:20
  buy
• 14:20
  shares
• 14:20
  back
• 14:21
  in
• 14:21
  those
• 14:21
  days
• 14:21
  was.
• 14:22
  I
• 14:22
  don't
• 14:22
  even
• 14:23
  know
• 14:23
  how
• 14:23
  you
• 14:23
  do
• 14:23
  it.
• 14:24
  I
• 14:24
  honestly
• 14:24
  have
• 14:24
  no
• 14:24
  idea.
• 14:25
  It
• 14:25
  was
• 14:25
  much
• 14:26
  harder.
• 14:26
  Yeah,
• 14:26
  I
• 14:26
  had
• 14:26
  much
• 14:27
  higher
• 14:27
  minimums
• 14:28
  and
• 14:28
  it
• 14:28
  was
• 14:28
  gatekept.
• 14:29
  It
• 14:29
  was
• 14:30
  like
• 14:30
  he
• 14:30
  needed
• 14:30
  a
• 14:30
  financial
• 14:31
  advisor
• 14:31
  and
• 14:31
  there
• 14:32
  was
• 14:32
  probably
• 14:32
  a
• 14:32
  few
• 14:32
  percent.
• 14:33
  Whereas
• 14:33
  property
• 14:34
  just
• 14:34
  felt
• 14:34
  like
• 14:34
  save
• 14:34
  10%
• 14:35
  deposit
• 14:35
  go
• 14:35
  to
• 14:35
  the
• 14:36
  bank.
• 14:36
  These
• 14:36
  days
• 14:39
  it's
• 14:39
  a
• 14:39
  political
• 14:40
  football
• 14:41
  and
• 14:42
  we've
• 14:42
  personally
• 14:42
  lived
• 14:43
  through.
• 14:43
  I
• 14:43
  feel
• 14:44
  even
• 14:44
  we're
• 14:45
  on
• 14:45
  a
• 14:45
  money
• 14:45
  podcast
• 14:45
  so
• 14:45
  I
• 14:46
  can
• 14:46
  talk
• 14:46
  about
• 14:46
  it,
• 14:46
  but
• 14:47
  there's
• 14:47
  almost.
• 14:48
  I
• 14:48
  have
• 14:48
  to
• 14:48
  apologise
• 14:49
  for
• 14:49
  being
• 14:49
  a
• 14:50
  landlord.
• 14:50
  It's
• 14:51
  sort
• 14:51
  of
• 14:51
  like
• 14:51
  a.
• 14:51
  Oh
• 14:52
  God.
• 14:52
  You
• 14:52
  don't
• 14:52
  want
• 14:52
  to
• 14:52
  admit
• 14:53
  that
• 14:53
  and
• 14:53
  you
• 14:53
  don't
• 14:53
  want
• 14:53
  to.
• 14:54
  It's
• 14:54
  not
• 14:54
  something
• 14:55
  that's.
• 14:55
  I
• 14:55
  know
• 14:55
  that.
• 14:55
  It's
• 14:56
  not
• 14:56
  something
• 14:56
  that
• 14:56
  productively
• 14:57
  moves
• 14:57
  New
• 14:58
  Zealand
• 14:58
  forward
• 14:59
  and
• 14:59
  I
• 14:59
  know
• 14:59
  buying
• 15:00
  and
• 15:00
  selling
• 15:00
  houses
• 15:00
  to
• 15:00
  each
• 15:00
  other
• 15:01
  is
• 15:01
  no
• 15:01
  way
• 15:01
  to
• 15:01
  improve
• 15:02
  anything
• 15:02
  for
• 15:03
  our
• 15:03
  country.
• 15:03
  So
• 15:03
  I
• 15:04
  realized
• 15:04
  that.
• 15:04
  So
• 15:05
  that's
• 15:05
  one
• 15:05
  thing
• 15:05
  I
• 15:05
  got
• 15:06
  older
• 15:06
  and
• 15:06
  wiser,
• 15:07
  but
• 15:07
  also
• 15:07
  the
• 15:08
  cash
• 15:08
  flow
• 15:08
  and
• 15:09
  the
• 15:09
  actual
• 15:10
  return
• 15:10
  on
• 15:10
  investment
• 15:10
  is
• 15:11
  not
• 15:11
  what
• 15:11
  people
• 15:11
  think
• 15:12
  it
• 15:12
  is.
• 15:12
  The
• 15:12
  maintenance
• 15:13
  and
• 15:13
  management
• 15:14
  fees
• 15:15
  and
• 15:16
  all
• 15:16
  the
• 15:17
  costs
• 15:17
  are
• 15:17
  phenomenal.
• 15:18
  Rates
• 15:18
  and
• 15:18
  insurance
• 15:19
  are
• 15:19
  phenomenal.
• 15:20
  The
• 15:20
  money
• 15:20
  is
• 15:20
  just
• 15:20
  not
• 15:21
  there
• 15:21
  when
• 15:21
  you
• 15:21
  compare
• 15:21
  it
• 15:21
  to.
• 15:22
  If
• 15:22
  you'd
• 15:22
  put
• 15:23
  say
• 15:23
  the
• 15:23
  same
• 15:23
  amount
• 15:23
  of
• 15:24
  money
• 15:24
  into
• 15:24
  a
• 15:24
  fund,
• 15:24
  the
• 15:25
  only
• 15:25
  benefit,
• 15:26
  and
• 15:26
  I
• 15:26
  guess
• 15:26
  this
• 15:26
  is
• 15:26
  why
• 15:27
  most
• 15:27
  people
• 15:27
  do
• 15:27
  invest
• 15:27
  in
• 15:28
  real
• 15:28
  estate,
• 15:28
  is
• 15:28
  leverage
• 15:29
  and
• 15:29
  you
• 15:30
  can
• 15:30
  borrow
• 15:30
  all
• 15:30
  that
• 15:30
  money
• 15:30
  and
• 15:31
  put
• 15:31
  none
• 15:31
  of
• 15:31
  your
• 15:31
  own
• 15:31
  money
• 15:31
  in
• 15:32
  and
• 15:32
  you're
• 15:32
  using
• 15:32
  OPM,
• 15:33
  which
• 15:33
  back
• 15:33
  in
• 15:33
  the
• 15:34
  2006,
• 15:34
  2007,
• 15:35
  other
• 15:35
  people's
• 15:36
  money
• 15:36
  was
• 15:36
  the
• 15:37
  way
• 15:37
  to
• 15:37
  get
• 15:37
  rich
• 15:38
  is
• 15:38
  to
• 15:38
  use
• 15:38
  other
• 15:38
  people's
• 15:39
  money.
• 15:39
  So
• 15:39
  you
• 15:39
  were
• 15:40
  leveraging
• 15:40
  that.
• 15:41
  It
• 15:42
  doesn't
• 15:42
  really
• 15:42
  exist
• 15:42
  these
• 15:43
  days
• 15:44
  unless
• 15:45
  you
• 15:45
  are
• 15:45
  prepared
• 15:46
  to
• 15:46
  be
• 15:46
  much
• 15:46
  more
• 15:46
  active.
• 15:47
  Property
• 15:48
  investment
• 15:48
  does
• 15:48
  not
• 15:49
  give
• 15:49
  me
• 15:49
  and
• 15:49
  my
• 15:50
  family
• 15:50
  the
• 15:50
  life
• 15:50
  we
• 15:50
  want.
• 15:51
  It
• 15:51
  is
• 15:51
  not
• 15:51
  passive
• 15:51
  income,
• 15:52
  it
• 15:53
  is
• 15:53
  definitely
• 15:53
  active.
• 15:53
  If
• 15:54
  you're
• 15:54
  willing
• 15:54
  to
• 15:54
  renovate,
• 15:54
  you're
• 15:55
  willing
• 15:55
  to
• 15:55
  develop,
• 15:55
  you're
• 15:56
  willing
• 15:56
  to
• 15:56
  flip
• 15:57
  or
• 15:58
  even
• 15:58
  self
• 15:58
  manage.
• 15:59
  But
• 15:59
  then
• 15:59
  you've
• 16:00
  got
• 16:00
  to
• 16:00
  also
• 16:00
  account
• 16:00
  for
• 16:01
  your
• 16:01
  own
• 16:01
  time
• 16:01
  because
• 16:01
  you're
• 16:02
  buying
• 16:02
  yourself
• 16:02
  a
• 16:02
  job
• 16:03
  and
• 16:03
  it's
• 16:03
  not
• 16:03
  a
• 16:04
  very
• 16:04
  joyful
• 16:04
  job
• 16:04
  if
• 16:04
  you're
• 16:05
  getting
• 16:05
  phone
• 16:05
  calls
• 16:05
  at
• 16:05
  3am
• 16:06
  or
• 16:06
  you've
• 16:07
  got
• 16:07
  nightmare
• 16:07
  neighbours
• 16:08
  or
• 16:08
  we've
• 16:08
  dealt
• 16:08
  with
• 16:09
  everything
• 16:10
  because
• 16:10
  we
• 16:10
  bought
• 16:11
  properties
• 16:11
  that
• 16:11
  were
• 16:11
  affordable
• 16:12
  for
• 16:12
  us
• 16:12
  when
• 16:12
  we
• 16:13
  were
• 16:13
  in
• 16:13
  our
• 16:13
  20s,
• 16:13
  which
• 16:13
  means
• 16:14
  they
• 16:14
  were
• 16:14
  all
• 16:14
  lower
• 16:15
  priced
• 16:16
  and
• 16:16
  they're
• 16:16
  still
• 16:16
  lower
• 16:17
  priced.
• 16:18
  It's
• 16:18
  not
• 16:18
  like
• 16:18
  we
• 16:18
  have
• 16:19
  five
• 16:19
  properties
• 16:19
  in
• 16:19
  Auckland,
• 16:20
  we
• 16:21
  have
• 16:21
  five
• 16:21
  properties
• 16:21
  in
• 16:22
  Christchurch
• 16:23
  and
• 16:23
  the
• 16:23
  west
• 16:24
  coast
• 16:24
  of
• 16:24
  the
• 16:24
  South
• 16:24
  Island.
• 16:25
  So
• 16:25
  they
• 16:25
  are
• 16:26
  all,
• 16:26
  you
• 16:26
  know,
• 16:26
  sort
• 16:27
  of
• 16:27
  under
• 16:27
  $500,000
• 16:29
  but
• 16:29
  the
• 16:29
  costs
• 16:30
  are
• 16:30
  still
• 16:30
  high.
• 16:30
  So
• 16:31
  things
• 16:31
  like,
• 16:31
  for
• 16:31
  example,
• 16:32
  putting
• 16:32
  a
• 16:32
  roof
• 16:32
  on
• 16:32
  in
• 16:32
  a
• 16:33
  $2
• 16:33
  million
• 16:34
  house
• 16:34
  in
• 16:34
  Auckland
• 16:35
  even
• 16:35
  it's
• 16:35
  probably
• 16:35
  the
• 16:36
  same
• 16:36
  cost
• 16:36
  as
• 16:36
  putting
• 16:36
  a
• 16:36
  roof
• 16:37
  on
• 16:37
  in
• 16:37
  a
• 16:37
  $200,000
• 16:38
  house
• 16:38
  in
• 16:38
  the
• 16:39
  west
• 16:39
  coast.
• 16:39
  It's
• 16:40
  doesn't
• 16:40
  even.
• 16:41
  Maybe
• 16:41
  it's
• 16:41
  cheaper
• 16:41
  here.
• 16:42
  I
• 16:42
  rushed
• 16:42
  in,
• 16:42
  it
• 16:43
  was
• 16:43
  all
• 16:43
  I
• 16:43
  knew
• 16:43
  and
• 16:43
  I
• 16:43
  wanted
• 16:44
  to
• 16:44
  be
• 16:44
  rich.
• 16:44
  I
• 16:44
  wanted
• 16:45
  to
• 16:45
  be
• 16:45
  really
• 16:45
  rich.
• 16:45
  And
• 16:46
  it's
• 16:46
  all
• 16:46
  I
• 16:46
  knew
• 16:47
  and
• 16:47
  I'm
• 16:47
  still,
• 16:48
  I'm
• 16:48
  glad
• 16:48
  we
• 16:48
  did
• 16:48
  it,
• 16:48
  but
• 16:49
  I
• 16:49
  wouldn't
• 16:49
  do
• 16:49
  it
• 16:49
  now
• 16:49
  and
• 16:49
  I
• 16:49
  wouldn't
• 16:50
  encourage
• 16:50
  my
• 16:50
  kids
• 16:50
  to
• 16:50
  do
• 16:51
  it.
• 16:51
  Interesting.
• 16:52
  And
• 16:52
  the
• 16:52
  thing
• 16:52
  is,
• 16:53
  like,
• 16:53
  as
• 16:53
  you
• 16:53
  say,
• 16:54
  the
• 16:54
  kernels
• 16:54
  of
• 16:54
  the
• 16:55
  world
• 16:55
  did
• 16:55
  not
• 16:55
  exist
• 16:56
  then.
• 16:57
  It
• 16:57
  was
• 16:57
  not
• 16:57
  that
• 16:57
  you
• 16:58
  could
• 16:58
  just
• 16:58
  go
• 16:58
  to
• 16:58
  these
• 16:59
  online
• 16:59
  platforms
• 16:59
  and
• 17:00
  do
• 17:00
  five
• 17:00
  bucks
• 17:00
  a
• 17:01
  pop.
• 17:01
  It
• 17:02
  was
• 17:02
  so,
• 17:02
  so
• 17:03
  different.
• 17:03
  I
• 17:03
  have
• 17:03
  literally
• 17:04
  talked
• 17:04
  TO
• 17:04
  People
• 17:04
  who
• 17:04
  10
• 17:05
  years
• 17:05
  ago
• 17:05
  went
• 17:06
  into
• 17:06
  a
• 17:06
  broker's
• 17:07
  office
• 17:07
  and
• 17:07
  said,
• 17:07
  I
• 17:07
  would
• 17:08
  like
• 17:08
  to
• 17:08
  start
• 17:08
  investing
• 17:08
  in
• 17:09
  funds
• 17:09
  and
• 17:09
  got
• 17:09
  laughed
• 17:10
  out
• 17:10
  of
• 17:10
  there
• 17:10
  because
• 17:10
  they
• 17:11
  only
• 17:11
  had
• 17:12
  $10,000.
• 17:12
  Oh
• 17:13
  my
• 17:13
  goodness.
• 17:13
  And
• 17:13
  I
• 17:13
  never
• 17:13
  would
• 17:14
  have
• 17:14
  had
• 17:14
  $10,000.
• 17:15
  So
• 17:15
  I
• 17:15
  would
• 17:15
  have
• 17:15
  just
• 17:16
  been
• 17:16
  like,
• 17:16
  well,
• 17:16
  just
• 17:17
  not
• 17:17
  for
• 17:17
  me.
• 17:17
  That
• 17:17
  world
• 17:17
  is
• 17:18
  not
• 17:18
  for
• 17:18
  me.
• 17:18
  If
• 17:18
  kernel
• 17:19
  or
• 17:19
  sharesies
• 17:20
  or
• 17:20
  whatever,
• 17:20
  those
• 17:20
  kinds
• 17:20
  of
• 17:20
  platforms
• 17:21
  existed,
• 17:22
  then
• 17:22
  I
• 17:23
  would
• 17:23
  have
• 17:23
  been
• 17:23
  interested
• 17:23
  in
• 17:23
  them.
• 17:24
  And
• 17:24
  I
• 17:24
  love
• 17:24
  that
• 17:24
  for
• 17:25
  this
• 17:25
  new
• 17:25
  generation
• 17:25
  because
• 17:26
  they're
• 17:26
  so
• 17:26
  savvy.
• 17:27
  And
• 17:27
  it
• 17:27
  also
• 17:28
  brings
• 17:29
  sort
• 17:29
  of
• 17:29
  an
• 17:29
  element
• 17:29
  of
• 17:30
  business
• 17:30
  savvy
• 17:30
  to
• 17:30
  our
• 17:31
  whole
• 17:31
  country
• 17:31
  and
• 17:31
  it
• 17:31
  raises
• 17:32
  the
• 17:32
  education
• 17:33
  level.
• 17:33
  People
• 17:33
  are
• 17:33
  reading
• 17:34
  balance
• 17:34
  sheets
• 17:34
  and
• 17:35
  they're
• 17:35
  reading
• 17:35
  their,
• 17:35
  you
• 17:36
  know,
• 17:36
  annual
• 17:36
  statement.
• 17:37
  They
• 17:37
  are
• 17:38
  paying
• 17:38
  attention.
• 17:39
  Whereas
• 17:39
  it
• 17:39
  used
• 17:40
  to
• 17:40
  be,
• 17:40
  oh,
• 17:40
  money's
• 17:40
  for
• 17:41
  people
• 17:41
  who
• 17:41
  aren't
• 17:42
  like
• 17:42
  me.
• 17:42
  Well,
• 17:43
  now
• 17:43
  money's
• 17:43
  for
• 17:43
  everybody
• 17:44
  and
• 17:44
  it
• 17:45
  can
• 17:45
  be
• 17:45
  for
• 17:45
  everybody.
• 17:46
  So
• 17:46
  I
• 17:47
  love
• 17:47
  that
• 17:47
  for
• 17:47
  us.
• 17:49
  This
• 17:49
  episode
• 17:49
  of
• 17:49
  Making
• 17:50
  Sense
• 17:50
  is
• 17:50
  supported
• 17:51
  by
• 17:51
  Odoo
• 17:52
  because
• 17:52
  they're
• 17:52
  all
• 17:52
  about
• 17:53
  making
• 17:53
  business
• 17:53
  smarter,
• 17:54
  easier
• 17:55
  to
• 17:55
  manage
• 17:55
  and
• 17:55
  more
• 17:56
  affordable.
• 17:57
  Odoo
• 17:57
  is
• 17:57
  a
• 17:58
  software
• 17:58
  platform
• 17:58
  that
• 17:59
  gives
• 17:59
  you
• 17:59
  access
• 17:59
  to
• 17:59
  over
• 18:00
  70
• 18:00
  apps
• 18:01
  to
• 18:01
  help
• 18:02
  you
• 18:02
  manage
• 18:02
  your
• 18:02
  website,
• 18:03
  accounting,
• 18:04
  invoicing,
• 18:04
  sales,
• 18:05
  inventory,
• 18:06
  and
• 18:06
  way
• 18:07
  more.
• 18:07
  But
• 18:08
  instead
• 18:08
  of
• 18:08
  death
• 18:08
  by
• 18:09
  a
• 18:09
  thousand
• 18:09
  cuts,
• 18:10
  where
• 18:10
  you
• 18:10
  pay
• 18:10
  for
• 18:11
  all
• 18:11
  of
• 18:11
  those
• 18:11
  apps
• 18:12
  individually,
• 18:12
  it's
• 18:13
  just
• 18:13
  one
• 18:13
  affordable
• 18:14
  subscription
• 18:15
  which
• 18:15
  starts
• 18:16
  from
• 18:16
  $34.40
• 18:17
  Aussie
• 18:18
  dollars
• 18:18
  per
• 18:18
  user
• 18:19
  per
• 18:19
  month.
• 18:20
  It's
• 18:20
  not
• 18:21
  just
• 18:21
  about
• 18:22
  the
• 18:22
  cost
• 18:22
  either.
• 18:23
  It's
• 18:23
  having
• 18:23
  all
• 18:24
  of
• 18:24
  those
• 18:24
  apps
• 18:24
  in
• 18:25
  one
• 18:25
  integrated
• 18:26
  dashboard
• 18:26
  to
• 18:27
  make
• 18:27
  your
• 18:27
  business
• 18:27
  or
• 18:28
  side
• 18:28
  hustle
• 18:28
  possible.
• 18:29
  Let
• 18:30
  your
• 18:30
  software
• 18:30
  work
• 18:31
  for
• 18:31
  you
• 18:31
  so
• 18:32
  you
• 18:32
  can
• 18:32
  handle
• 18:32
  the
• 18:33
  important
• 18:33
  stuff.
• 18:34
  Try
• 18:34
  Odoo
• 18:35
  for
• 18:35
  free
• 18:35
  for
• 18:35
  15
• 18:36
  days,
• 18:36
  no
• 18:37
  card
• 18:37
  details
• 18:37
  required.
• 18:38
  That's
• 18:39
  O
• 18:39
  D
• 18:39
  double
• 18:39
  O
• 18:39
  dot
• 18:40
  com
• 18:40
  for
• 18:40
  more.
• 18:41
  Now
• 18:42
  though,
• 18:42
  you
• 18:42
  have
• 18:42
  put
• 18:43
  yourself
• 18:43
  in
• 18:43
  such
• 18:43
  a
• 18:43
  different
• 18:43
  financial
• 18:44
  position.
• 18:44
  Even
• 18:45
  if
• 18:45
  you
• 18:45
  know
• 18:45
  you
• 18:45
  took
• 18:45
  a
• 18:46
  tactic
• 18:46
  that
• 18:47
  if
• 18:47
  you
• 18:47
  were
• 18:47
  starting
• 18:48
  again
• 18:48
  now,
• 18:48
  you
• 18:49
  might
• 18:49
  do
• 18:49
  it
• 18:49
  differently,
• 18:49
  you
• 18:50
  still
• 18:50
  put
• 18:50
  yourself
• 18:51
  in
• 18:51
  a
• 18:51
  totally
• 18:52
  different
• 18:52
  financial
• 18:52
  position.
• 18:53
  Are
• 18:53
  you
• 18:54
  someone
• 18:54
  who
• 18:54
  do
• 18:55
  you
• 18:55
  put
• 18:55
  yourself
• 18:55
  as
• 18:55
  part
• 18:55
  of
• 18:56
  the
• 18:56
  financial
• 18:56
  independence
• 18:57
  movement?
• 18:57
  Where
• 18:58
  are
• 18:58
  you
• 18:58
  at?
• 18:58
  I
• 18:59
  think
• 18:59
  so.
• 18:59
  I
• 18:59
  think
• 19:00
  finding
• 19:00
  the
• 19:00
  fire
• 19:00
  movement
• 19:01
  is
• 19:01
  what
• 19:01
  sparked
• 19:02
  our
• 19:02
  okay,
• 19:03
  well,
• 19:03
  maybe
• 19:03
  we
• 19:04
  won't
• 19:04
  buy
• 19:04
  property
• 19:04
  anymore.
• 19:05
  There's
• 19:05
  other
• 19:05
  ways
• 19:06
  of
• 19:06
  doing
• 19:06
  this.
• 19:07
  So
• 19:07
  about
• 19:07
  2015,
• 19:08
  I
• 19:08
  think
• 19:08
  I
• 19:08
  discovered
• 19:09
  Mr.
• 19:10
  Money
• 19:10
  Moustache.
• 19:11
  Oh,
• 19:11
  love
• 19:11
  him,
• 19:11
  love
• 19:12
  him
• 19:12
  so
• 19:12
  good.
• 19:12
  And
• 19:13
  I
• 19:13
  was
• 19:13
  like,
• 19:13
  oh,
• 19:13
  this
• 19:13
  is
• 19:14
  cool,
• 19:14
  and
• 19:14
  started
• 19:15
  to
• 19:15
  buy
• 19:16
  smart
• 19:16
  chairs,
• 19:16
  which
• 19:17
  was
• 19:17
  kind
• 19:17
  of
• 19:17
  the
• 19:17
  only
• 19:17
  thing
• 19:18
  you
• 19:18
  could
• 19:18
  buy
• 19:18
  at
• 19:18
  that
• 19:18
  stage.
• 19:19
  It's
• 19:19
  just
• 19:20
  so
• 19:20
  much
• 19:20
  easier
• 19:21
  to
• 19:21
  do
• 19:22
  than
• 19:22
  property.
• 19:23
  There's
• 19:23
  no
• 19:23
  drama,
• 19:24
  you
• 19:24
  know,
• 19:24
  you
• 19:24
  just
• 19:24
  chuck
• 19:24
  some
• 19:25
  money
• 19:25
  in
• 19:25
  each
• 19:25
  month
• 19:25
  and
• 19:26
  watch
• 19:26
  it
• 19:27
  go
• 19:28
  up
• 19:28
  and
• 19:28
  down.
• 19:28
  But
• 19:28
  don't
• 19:28
  watch
• 19:28
  it
• 19:29
  too
• 19:29
  closely,
• 19:30
  just
• 19:31
  ignore
• 19:31
  it.
• 19:31
  Basically.
• 19:33
  Yeah.
• 19:33
  I
• 19:33
  think
• 19:33
  if
• 19:33
  they
• 19:34
  had
• 19:34
  to
• 19:34
  come
• 19:34
  along
• 19:34
  10
• 19:35
  years
• 19:35
  earlier,
• 19:35
  it
• 19:35
  would
• 19:35
  have
• 19:36
  been
• 19:36
  a
• 19:36
  different
• 19:36
  story.
• 19:37
  But
• 19:37
  I
• 19:37
  also
• 19:38
  don't
• 19:38
  know
• 19:38
  if
• 19:38
  we'd
• 19:38
  be
• 19:38
  where
• 19:39
  we
• 19:39
  are
• 19:39
  because
• 19:39
  we
• 19:39
  wouldn't
• 19:40
  have
• 19:40
  borrowed
• 19:41
  to
• 19:41
  buy
• 19:41
  shares
• 19:41
  or.
• 19:42
  So
• 19:43
  you
• 19:43
  can
• 19:43
  say,
• 19:44
  oh,
• 19:44
  I
• 19:44
  might
• 19:44
  change
• 19:44
  the
• 19:45
  path,
• 19:45
  but
• 19:45
  you
• 19:45
  don't
• 19:45
  know
• 19:45
  where
• 19:46
  those
• 19:46
  other
• 19:46
  paths
• 19:46
  would
• 19:46
  have
• 19:47
  led.
• 19:47
  No,
• 19:47
  exactly.
• 19:48
  But
• 19:48
  I
• 19:48
  tell
• 19:49
  you
• 19:49
  what,
• 19:49
  the
• 19:49
  path
• 19:49
  you've
• 19:50
  been
• 19:50
  on
• 19:50
  is
• 19:50
  pretty
• 19:50
  good
• 19:51
  because
• 19:52
  you
• 19:52
  also
• 19:52
  took
• 19:53
  a
• 19:53
  considerable
• 19:54
  chunk
• 19:54
  of
• 19:54
  time
• 19:54
  out,
• 19:55
  went
• 19:55
  traveling,
• 19:56
  you
• 19:57
  know,
• 19:57
  you
• 19:57
  really
• 19:57
  have
• 19:58
  done.
• 19:58
  I,
• 19:59
  I
• 19:59
  always
• 19:59
  talk
• 20:00
  about
• 20:00
  on
• 20:00
  this
• 20:00
  pod,
• 20:01
  that
• 20:01
  the
• 20:01
  point
• 20:01
  of
• 20:02
  money
• 20:02
  is
• 20:02
  not
• 20:02
  to
• 20:02
  just
• 20:02
  have
• 20:03
  a
• 20:03
  stack
• 20:03
  of
• 20:03
  it
• 20:04
  and
• 20:04
  be
• 20:04
  like,
• 20:04
  woohoo,
• 20:05
  I
• 20:05
  have
• 20:05
  all
• 20:05
  of
• 20:05
  this
• 20:06
  money
• 20:06
  and
• 20:06
  I'm
• 20:06
  never
• 20:06
  spending
• 20:07
  it.
• 20:07
  It's
• 20:07
  about
• 20:08
  what
• 20:08
  do
• 20:08
  you
• 20:08
  want
• 20:09
  from
• 20:09
  life?
• 20:10
  And
• 20:10
  then
• 20:10
  reverse
• 20:11
  engineer
• 20:11
  your
• 20:12
  money
• 20:12
  to
• 20:12
  make
• 20:12
  that
• 20:12
  happen.
• 20:13
  And
• 20:13
  I
• 20:13
  think
• 20:13
  you're
• 20:14
  a
• 20:14
  glorious
• 20:14
  case
• 20:15
  of
• 20:15
  doing
• 20:15
  that
• 20:16
  because
• 20:16
  you,
• 20:17
  you
• 20:17
  took
• 20:17
  this
• 20:17
  time
• 20:18
  out
• 20:18
  and
• 20:18
  you
• 20:18
  went
• 20:19
  traveling.
• 20:19
  So
• 20:20
  tell
• 20:20
  me
• 20:20
  about
• 20:21
  what
• 20:21
  stage
• 20:21
  in
• 20:21
  your
• 20:21
  journey
• 20:22
  you
• 20:22
  were
• 20:22
  at
• 20:23
  and
• 20:23
  how
• 20:24
  big
• 20:24
  that
• 20:24
  traveling
• 20:25
  was
• 20:26
  because
• 20:26
  it
• 20:27
  looked
• 20:27
  great.
• 20:29
  Yeah.
• 20:29
  So
• 20:29
  I
• 20:29
  guess
• 20:30
  we,
• 20:31
  I'm
• 20:32
  really
• 20:32
  open
• 20:32
  with
• 20:32
  numbers,
• 20:33
  so
• 20:33
  I'm
• 20:33
  just
• 20:33
  going
• 20:33
  to
• 20:33
  say
• 20:33
  we
• 20:34
  have
• 20:34
  hit
• 20:34
  our
• 20:34
  number,
• 20:35
  our
• 20:35
  fire
• 20:35
  number,
• 20:36
  but
• 20:36
  it's
• 20:36
  all
• 20:36
  in
• 20:36
  property
• 20:37
  equity.
• 20:37
  Most,
• 20:38
  sorry,
• 20:38
  most
• 20:38
  of
• 20:39
  it
• 20:39
  is
• 20:39
  a
• 20:39
  property
• 20:39
  equity.
• 20:40
  So
• 20:41
  I
• 20:41
  was
• 20:41
  like,
• 20:42
  well
• 20:42
  look,
• 20:42
  if
• 20:42
  we've
• 20:42
  got,
• 20:43
  we've
• 20:43
  got
• 20:43
  the
• 20:43
  number,
• 20:44
  what's
• 20:44
  the
• 20:44
  point
• 20:44
  of
• 20:44
  waiting?
• 20:45
  You
• 20:45
  know,
• 20:45
  we've
• 20:46
  got
• 20:46
  this
• 20:47
  much
• 20:47
  money
• 20:47
  and
• 20:47
  I
• 20:47
  know
• 20:47
  we'll
• 20:47
  have
• 20:48
  to
• 20:48
  sell
• 20:48
  a
• 20:48
  property
• 20:48
  and
• 20:48
  technically
• 20:49
  to
• 20:49
  retire
• 20:50
  early,
• 20:50
  but
• 20:50
  we
• 20:50
  could
• 20:50
  just
• 20:51
  take
• 20:51
  some
• 20:51
  of
• 20:51
  the
• 20:51
  funds
• 20:52
  we've
• 20:52
  stashed
• 20:52
  away
• 20:53
  and
• 20:53
  use
• 20:54
  them.
• 20:54
  So
• 20:55
  I
• 20:55
  said
• 20:55
  to
• 20:55
  my
• 20:55
  husband,
• 20:56
  we
• 20:56
  should
• 20:57
  just
• 20:57
  probably
• 20:57
  go
• 20:57
  traveling,
• 20:58
  just
• 20:58
  use
• 20:58
  this
• 20:58
  money.
• 20:59
  And
• 21:00
  you
• 21:00
  know,
• 21:00
  and
• 21:01
  this
• 21:01
  is,
• 21:01
  this
• 21:01
  may
• 21:01
  be
• 21:02
  a
• 21:02
  reason
• 21:02
  why
• 21:03
  it's
• 21:03
  probably
• 21:03
  good
• 21:04
  that
• 21:04
  I'm
• 21:04
  not
• 21:04
  fully
• 21:04
  invested
• 21:05
  in
• 21:05
  the
• 21:05
  share
• 21:05
  market
• 21:05
  because
• 21:05
  it
• 21:05
  is
• 21:06
  so
• 21:06
  liquid
• 21:06
  and
• 21:07
  I
• 21:07
  am
• 21:07
  a
• 21:07
  spender.
• 21:08
  I
• 21:08
  like
• 21:09
  spender.
• 21:09
  I
• 21:09
  need
• 21:09
  this
• 21:09
  to
• 21:10
  be
• 21:10
  harder
• 21:10
  to
• 21:10
  access.
• 21:10
  Yeah,
• 21:11
  right,
• 21:11
  exactly.
• 21:12
  It's
• 21:12
  hard
• 21:12
  to
• 21:12
  just
• 21:12
  take
• 21:13
  a
• 21:13
  brick
• 21:13
  out
• 21:13
  of
• 21:13
  your
• 21:13
  wall
• 21:13
  and
• 21:14
  spend
• 21:14
  it
• 21:14
  on
• 21:14
  a
• 21:14
  trip,
• 21:15
  but
• 21:15
  you
• 21:16
  can
• 21:16
  easily
• 21:16
  withdraw
• 21:17
  money
• 21:17
  from
• 21:17
  your
• 21:17
  Simplicity
• 21:18
  fund
• 21:18
  every
• 21:18
  month.
• 21:18
  So
• 21:19
  yeah.
• 21:20
  So
• 21:20
  anyway,
• 21:20
  he
• 21:20
  was,
• 21:20
  he
• 21:21
  was,
• 21:21
  he
• 21:21
  loves
• 21:21
  travel.
• 21:21
  So
• 21:22
  he
• 21:22
  was
• 21:22
  like,
• 21:22
  yep,
• 21:22
  cool.
• 21:22
  We'll
• 21:23
  do
• 21:23
  that.
• 21:23
  I
• 21:23
  was
• 21:23
  like,
• 21:24
  okay,
• 21:24
  cool.
• 21:24
  We're
• 21:24
  earning
• 21:24
  enough
• 21:24
  money
• 21:25
  that
• 21:25
  it
• 21:25
  can
• 21:25
  cover
• 21:26
  our
• 21:26
  lives
• 21:26
  in
• 21:26
  New
• 21:26
  Zealand,
• 21:27
  but
• 21:27
  I
• 21:28
  also
• 21:28
  want
• 21:28
  to
• 21:28
  travel.
• 21:28
  So
• 21:29
  we
• 21:29
  didn't
• 21:29
  quite
• 21:29
  have
• 21:30
  enough
• 21:30
  to
• 21:30
  travel,
• 21:30
  like
• 21:30
  it
• 21:31
  could
• 21:31
  have,
• 21:31
  you
• 21:32
  know,
• 21:32
  if
• 21:32
  we
• 21:32
  were
• 21:32
  based
• 21:32
  somewhere,
• 21:33
  but
• 21:33
  it's
• 21:33
  all
• 21:33
  the
• 21:33
  flights
• 21:34
  and
• 21:34
  all
• 21:34
  the
• 21:34
  in
• 21:34
  betweens.
• 21:35
  So
• 21:35
  I
• 21:35
  said,
• 21:35
  look,
• 21:36
  we
• 21:36
  can
• 21:36
  just
• 21:36
  take
• 21:36
  money
• 21:36
  out
• 21:36
  of
• 21:36
  our.
• 21:37
  The
• 21:37
  fund
• 21:37
  we've
• 21:37
  saved.
• 21:38
  We've
• 21:38
  realized
• 21:39
  that
• 21:39
  we're
• 21:39
  actually
• 21:39
  going
• 21:39
  to
• 21:40
  have
• 21:40
  more
• 21:40
  than
• 21:40
  we
• 21:40
  need
• 21:41
  by
• 21:41
  the
• 21:41
  time
• 21:42
  we
• 21:42
  get
• 21:42
  to
• 21:42
  sort
• 21:43
  of
• 21:43
  55,
• 21:44
  60
• 21:44
  or
• 21:44
  whatever.
• 21:45
  And
• 21:45
  we
• 21:45
  read
• 21:46
  Die
• 21:46
  With
• 21:46
  Zero.
• 21:46
  Well,
• 21:47
  I
• 21:47
  read
• 21:47
  Die
• 21:47
  With
• 21:47
  Zero.
• 21:47
  I'm
• 21:48
  the
• 21:48
  one
• 21:48
  who
• 21:48
  reads
• 21:48
  it.
• 21:49
  I
• 21:49
  tell
• 21:49
  him
• 21:49
  so.
• 21:50
  But
• 21:50
  there
• 21:50
  was
• 21:50
  an
• 21:50
  example
• 21:51
  where
• 21:52
  the
• 21:52
  author
• 21:53
  Bill
• 21:53
  was
• 21:53
  like,
• 21:53
  I'm
• 21:54
  gonna
• 21:54
  take
• 21:54
  my
• 21:54
  mates,
• 21:55
  all
• 21:55
  my
• 21:55
  mates
• 21:55
  to
• 21:56
  the
• 21:56
  bahamas
• 21:56
  for
• 21:56
  my
• 21:56
  50th
• 21:57
  birthday.
• 21:57
  And
• 21:57
  it
• 21:58
  was
• 21:58
  like
• 21:58
  millions
• 21:58
  of
• 21:59
  dollars.
• 21:59
  So
• 21:59
  that
• 21:59
  was
• 21:59
  bonkers,
• 22:00
  obviously.
• 22:00
  But
• 22:01
  I
• 22:01
  was
• 22:01
  like,
• 22:01
  well,
• 22:01
  I
• 22:01
  can't
• 22:02
  do
• 22:02
  the
• 22:02
  Bahamas.
• 22:03
  But
• 22:03
  what
• 22:04
  if
• 22:04
  we
• 22:04
  went
• 22:04
  to
• 22:04
  Thailand
• 22:05
  and
• 22:05
  we
• 22:05
  asked
• 22:05
  your
• 22:06
  sister
• 22:06
  to
• 22:06
  come
• 22:06
  with
• 22:06
  us,
• 22:07
  Dave's
• 22:07
  sister?
• 22:07
  I
• 22:08
  said,
• 22:08
  cause
• 22:08
  she
• 22:08
  loves
• 22:08
  Thailand
• 22:09
  and
• 22:10
  she
• 22:10
  was
• 22:10
  in
• 22:10
  a
• 22:11
  financial
• 22:11
  position,
• 22:11
  not
• 22:12
  necessarily
• 22:12
  to
• 22:13
  pay
• 22:13
  for
• 22:13
  the
• 22:13
  flights,
• 22:14
  but
• 22:14
  she
• 22:14
  could,
• 22:16
  she
• 22:16
  would
• 22:16
  be
• 22:16
  able
• 22:16
  to
• 22:16
  do
• 22:16
  accommodation
• 22:17
  and
• 22:17
  stuff.
• 22:17
  And
• 22:17
  I
• 22:17
  was
• 22:18
  like,
• 22:18
  maybe
• 22:18
  we
• 22:18
  could
• 22:18
  just
• 22:18
  pay
• 22:18
  a
• 22:19
  little
• 22:19
  bit
• 22:19
  to
• 22:19
  help
• 22:19
  them
• 22:19
  come
• 22:20
  and
• 22:20
  have
• 22:20
  this
• 22:20
  great
• 22:20
  trip
• 22:21
  with
• 22:21
  us.
• 22:21
  We
• 22:21
  helped
• 22:22
  them
• 22:22
  out
• 22:22
  with
• 22:22
  that
• 22:22
  and
• 22:23
  it
• 22:23
  was
• 22:23
  such
• 22:23
  a
• 22:23
  cool
• 22:24
  way
• 22:24
  of
• 22:24
  using
• 22:24
  our
• 22:24
  money.
• 22:24
  And
• 22:25
  I
• 22:25
  was
• 22:25
  like,
• 22:25
  how
• 22:26
  do
• 22:26
  we
• 22:27
  do
• 22:27
  more
• 22:27
  of
• 22:27
  this?
• 22:28
  You
• 22:28
  know,
• 22:28
  what's
• 22:29
  the
• 22:29
  point
• 22:29
  of
• 22:29
  bringing
• 22:29
  it
• 22:30
  all?
• 22:30
  You
• 22:30
  know,
• 22:30
  having
• 22:30
  it
• 22:31
  all
• 22:31
  when
• 22:31
  we're
• 22:31
  60
• 22:31
  and
• 22:31
  we
• 22:31
  don't
• 22:31
  know
• 22:32
  if
• 22:32
  we're
• 22:32
  gonna
• 22:32
  have
• 22:32
  these
• 22:32
  amazing
• 22:32
  times
• 22:33
  anymore,
• 22:33
  so.
• 22:34
  And
• 22:35
  then
• 22:35
  part
• 22:35
  of
• 22:35
  that
• 22:35
  Die
• 22:36
  With
• 22:36
  Zero
• 22:36
  book
• 22:36
  is
• 22:38
  your
• 22:38
  memory
• 22:38
  dividends.
• 22:40
  So
• 22:40
  you
• 22:40
  live
• 22:41
  in
• 22:41
  the
• 22:41
  rest
• 22:42
  home
• 22:42
  in
• 22:42
  your
• 22:43
  rocking
• 22:43
  chair.
• 22:43
  You
• 22:44
  live
• 22:44
  on
• 22:44
  your
• 22:44
  memories
• 22:45
  and
• 22:45
  you
• 22:45
  just
• 22:45
  play
• 22:45
  them
• 22:45
  over
• 22:46
  and
• 22:46
  over.
• 22:46
  This
• 22:46
  is
• 22:46
  apparently
• 22:47
  what
• 22:47
  happens.
• 22:48
  And
• 22:49
  they
• 22:49
  pay
• 22:49
  a
• 22:49
  dividend.
• 22:50
  So
• 22:50
  every
• 22:50
  experience
• 22:51
  you
• 22:51
  have
• 22:52
  pays
• 22:52
  this
• 22:52
  memory
• 22:52
  dividend,
• 22:53
  if
• 22:53
  you
• 22:54
  can
• 22:54
  remember
• 22:54
  it,
• 22:54
  I
• 22:54
  guess.
• 22:56
  And
• 22:56
  yeah,
• 22:57
  I
• 22:57
  was
• 22:57
  like,
• 22:57
  I
• 22:57
  just
• 22:57
  love
• 22:57
  that
• 22:58
  concept,
• 22:58
  like,
• 22:59
  that
• 22:59
  we
• 22:59
  do
• 22:59
  things
• 22:59
  that
• 22:59
  we'll
• 23:00
  enjoy
• 23:00
  remembering
• 23:01
  later
• 23:01
  in
• 23:01
  life
• 23:02
  and
• 23:02
  that
• 23:02
  we
• 23:02
  actually
• 23:02
  spend
• 23:03
  money
• 23:03
  on
• 23:03
  those
• 23:03
  things
• 23:03
  because
• 23:04
  they're
• 23:04
  worth
• 23:04
  it
• 23:05
  and
• 23:05
  they're
• 23:05
  part
• 23:05
  of
• 23:05
  our
• 23:05
  value
• 23:06
  system.
• 23:06
  So
• 23:07
  that's
• 23:07
  sort
• 23:07
  of
• 23:07
  where
• 23:07
  the
• 23:07
  travel
• 23:08
  came
• 23:08
  in.
• 23:08
  I
• 23:08
  was
• 23:08
  like,
• 23:08
  okay,
• 23:08
  we.
• 23:09
  We
• 23:09
  need
• 23:09
  to
• 23:09
  go
• 23:09
  and
• 23:09
  do
• 23:09
  this
• 23:10
  again.
• 23:10
  This
• 23:10
  time
• 23:11
  we
• 23:11
  packed
• 23:11
  up
• 23:11
  the
• 23:11
  house,
• 23:12
  rented
• 23:12
  it
• 23:12
  out,
• 23:13
  put
• 23:13
  our
• 23:13
  stuff
• 23:13
  in
• 23:13
  storage.
• 23:14
  And
• 23:14
  you
• 23:15
  were
• 23:15
  traveling
• 23:15
  for
• 23:15
  how
• 23:15
  long?
• 23:16
  13
• 23:17
  months.
• 23:17
  Wow.
• 23:18
  Yeah,
• 23:18
  so
• 23:19
  it
• 23:19
  was
• 23:19
  quite.
• 23:19
  We
• 23:20
  stayed
• 23:20
  in
• 23:20
  Thailand
• 23:20
  for
• 23:21
  six
• 23:21
  months.
• 23:21
  At
• 23:21
  the
• 23:21
  end
• 23:22
  we
• 23:22
  just
• 23:22
  rented
• 23:22
  a
• 23:22
  house,
• 23:22
  we
• 23:23
  got
• 23:23
  a
• 23:23
  digital
• 23:23
  nomad
• 23:24
  visa
• 23:24
  to
• 23:24
  live
• 23:24
  there
• 23:25
  and
• 23:25
  we
• 23:25
  thought
• 23:25
  we
• 23:25
  might
• 23:25
  stay
• 23:26
  longer,
• 23:26
  but
• 23:27
  we
• 23:27
  just.
• 23:27
  It
• 23:28
  was
• 23:28
  really
• 23:28
  hot.
• 23:28
  Yeah,
• 23:30
  it
• 23:30
  was
• 23:30
  so
• 23:30
  hot.
• 23:30
  The
• 23:31
  kids
• 23:31
  just
• 23:31
  didn't
• 23:31
  go
• 23:31
  outside.
• 23:32
  And
• 23:32
  I
• 23:32
  was
• 23:32
  like,
• 23:32
  this
• 23:32
  is
• 23:32
  not
• 23:33
  why
• 23:33
  we
• 23:33
  come
• 23:34
  traveling,
• 23:34
  you
• 23:34
  know,
• 23:34
  so
• 23:35
  they
• 23:35
  could
• 23:35
  sit
• 23:35
  in
• 23:35
  their
• 23:35
  rooms
• 23:36
  and
• 23:36
  the
• 23:36
  aircon
• 23:37
  and
• 23:37
  the
• 23:37
  Air
• 23:37
  Convale
• 23:37
  was
• 23:37
  phenomenal.
• 23:39
  So
• 23:39
  yeah,
• 23:39
  I
• 23:39
  was
• 23:39
  like,
• 23:40
  no,
• 23:40
  that's,
• 23:40
  that's
• 23:41
  not
• 23:41
  really.
• 23:41
  The
• 23:41
  hot,
• 23:42
  hot
• 23:42
  countries
• 23:42
  aren't
• 23:42
  for
• 23:42
  us.
• 23:43
  And
• 23:43
  what,
• 23:43
  what
• 23:44
  countries
• 23:44
  did
• 23:44
  you
• 23:44
  get
• 23:44
  through
• 23:44
  in
• 23:45
  that
• 23:45
  time?
• 23:46
  So
• 23:46
  we
• 23:46
  went
• 23:46
  to
• 23:46
  Australia,
• 23:48
  Thailand
• 23:49
  and
• 23:49
  then
• 23:49
  we
• 23:50
  went
• 23:50
  to
• 23:50
  Qatar
• 23:51
  into
• 23:52
  Spain
• 23:52
  and
• 23:52
  then
• 23:53
  we
• 23:53
  all,
• 23:53
  a
• 23:53
  bunch
• 23:54
  of
• 23:54
  our
• 23:54
  travel
• 23:54
  mates
• 23:54
  from
• 23:54
  America
• 23:55
  and
• 23:55
  England,
• 23:55
  we
• 23:55
  all
• 23:56
  did
• 23:56
  this
• 23:56
  transatlantic
• 23:57
  cruise
• 23:57
  from
• 23:58
  Spain
• 23:58
  to
• 23:59
  the
• 23:59
  US
• 23:59
  so
• 24:00
  there
• 24:00
  was.
• 24:00
  It
• 24:00
  was
• 24:00
  14
• 24:01
  days
• 24:01
  and
• 24:01
  we
• 24:01
  had
• 24:01
  this
• 24:02
  huge
• 24:02
  group
• 24:02
  of
• 24:02
  us
• 24:02
  and
• 24:03
  our
• 24:03
  friends
• 24:03
  and
• 24:03
  the
• 24:03
  kids,
• 24:03
  friends
• 24:04
  on
• 24:04
  a
• 24:04
  boat,
• 24:04
  which
• 24:04
  was
• 24:05
  awesome.
• 24:05
  And
• 24:06
  then
• 24:06
  flew
• 24:06
  back,
• 24:06
  we
• 24:07
  went
• 24:07
  to
• 24:07
  the
• 24:07
  UK
• 24:07
  and
• 24:08
  we
• 24:08
  had
• 24:08
  Christmas
• 24:08
  in
• 24:09
  Ireland
• 24:09
  with
• 24:09
  the
• 24:09
  family
• 24:10
  and
• 24:10
  then
• 24:10
  Spain,
• 24:11
  Morocco
• 24:13
  and
• 24:13
  then
• 24:13
  Thailand
• 24:14
  and
• 24:14
  then
• 24:15
  back
• 24:15
  to
• 24:15
  New
• 24:15
  Zealand.
• 24:16
  What
• 24:16
  was
• 24:16
  your
• 24:16
  favourite?
• 24:17
  Spain
• 24:17
  is
• 24:17
  always
• 24:18
  my
• 24:18
  favourite
• 24:18
  until
• 24:18
  the
• 24:19
  day
• 24:19
  I
• 24:19
  die.
• 24:20
  Go
• 24:20
  on.
• 24:21
  What
• 24:21
  makes
• 24:21
  Spain
• 24:21
  so
• 24:21
  special?
• 24:22
  Spain
• 24:22
  is
• 24:23
  just.
• 24:23
  I
• 24:23
  feel
• 24:24
  that
• 24:25
  I
• 24:25
  wish
• 24:25
  I
• 24:25
  knew
• 24:25
  if
• 24:26
  I
• 24:26
  had
• 24:26
  some
• 24:26
  ancestry
• 24:27
  there
• 24:27
  or
• 24:27
  something.
• 24:27
  I
• 24:27
  feel
• 24:28
  like
• 24:28
  I'm
• 24:28
  home
• 24:28
  there.
• 24:28
  It's
• 24:29
  a
• 24:29
  real
• 24:29
  family
• 24:29
  friendly
• 24:30
  country
• 24:30
  and
• 24:31
  you've
• 24:31
  got,
• 24:31
  you're
• 24:31
  going
• 24:31
  out
• 24:32
  at
• 24:32
  night
• 24:32
  with
• 24:32
  kids.
• 24:32
  At
• 24:33
  10
• 24:33
  o'
• 24:33
  clock
• 24:33
  at
• 24:33
  night
• 24:33
  there's
• 24:34
  kids
• 24:34
  playing
• 24:34
  in
• 24:34
  all
• 24:34
  the
• 24:34
  plazas.
• 24:35
  Like
• 24:35
  every
• 24:36
  pla.
• 24:36
  There's
• 24:36
  a
• 24:36
  playground
• 24:37
  on
• 24:37
  every
• 24:37
  corner.
• 24:38
  It's
• 24:38
  such
• 24:38
  a
• 24:39
  family
• 24:39
  setup
• 24:40
  and
• 24:40
  there's.
• 24:40
  It's
• 24:40
  not
• 24:41
  quiet.
• 24:41
  So
• 24:41
  something
• 24:41
  in
• 24:42
  New
• 24:42
  Zealand
• 24:42
  at
• 24:42
  night
• 24:42
  in
• 24:42
  the
• 24:43
  street.
• 24:43
  There's
• 24:43
  no
• 24:43
  one
• 24:43
  on
• 24:43
  the
• 24:44
  street.
• 24:44
  You
• 24:44
  know
• 24:44
  in
• 24:45
  Spain
• 24:45
  people
• 24:45
  are
• 24:45
  just
• 24:45
  sitting
• 24:45
  on
• 24:45
  their
• 24:46
  doorsteps
• 24:46
  having
• 24:46
  cups
• 24:47
  of
• 24:47
  coffee
• 24:47
  or.
• 24:47
  They're
• 24:48
  everywhere.
• 24:48
  People
• 24:48
  are
• 24:49
  everywhere.
• 24:49
  It's
• 24:49
  really
• 24:50
  alive
• 24:50
  and
• 24:51
  got
• 24:51
  such
• 24:51
  a
• 24:51
  great
• 24:52
  cafe
• 24:52
  culture
• 24:53
  for
• 24:53
  like
• 24:53
  a
• 24:53
  €10
• 24:54
  you
• 24:54
  could
• 24:54
  have
• 24:54
  the
• 24:55
  most
• 24:55
  beautiful
• 24:55
  little
• 24:56
  like
• 24:56
  a
• 24:56
  cortado,
• 24:57
  which
• 24:57
  is
• 24:57
  kind
• 24:57
  of
• 24:57
  like
• 24:58
  an
• 24:58
  espresso
• 24:58
  with
• 24:58
  a
• 24:59
  tiny
• 24:59
  bit
• 24:59
  of
• 24:59
  milk
• 25:00
  on
• 25:00
  top
• 25:00
  and
• 25:02
  just
• 25:02
  amazing.
• 25:03
  I
• 25:04
  would
• 25:04
  always
• 25:04
  have
• 25:04
  two
• 25:04
  cortados
• 25:05
  and
• 25:05
  it
• 25:05
  was
• 25:05
  like,
• 25:06
  yeah,
• 25:06
  four
• 25:06
  bucks
• 25:07
  or
• 25:07
  something
• 25:07
  crazy.
• 25:08
  I
• 25:08
  was
• 25:08
  like,
• 25:09
  I
• 25:09
  loved
• 25:10
  it.
• 25:10
  Yeah,
• 25:11
  the
• 25:11
  actual
• 25:12
  best.
• 25:12
  I
• 25:12
  love
• 25:13
  what
• 25:13
  you
• 25:13
  were
• 25:13
  saying
• 25:13
  though,
• 25:13
  before
• 25:14
  about
• 25:14
  the
• 25:14
  inspiration
• 25:15
  from
• 25:15
  the
• 25:15
  book
• 25:15
  Die
• 25:15
  with
• 25:16
  Zero.
• 25:16
  And
• 25:16
  I
• 25:16
  like,
• 25:17
  I
• 25:17
  don't
• 25:17
  think
• 25:17
  any
• 25:18
  book
• 25:18
  can
• 25:18
  be
• 25:18
  taken
• 25:19
  as
• 25:19
  truly
• 25:19
  the
• 25:19
  Bible.
• 25:20
  Right.
• 25:20
  But
• 25:20
  I
• 25:20
  think
• 25:21
  there's
• 25:21
  always
• 25:21
  something
• 25:22
  from
• 25:22
  it
• 25:22
  and
• 25:22
  like
• 25:23
  then
• 25:23
  adapt
• 25:24
  it
• 25:24
  to
• 25:24
  your
• 25:24
  life.
• 25:24
  Right.
• 25:25
  But
• 25:25
  I
• 25:25
  love
• 25:26
  what
• 25:26
  you
• 25:26
  were
• 25:26
  saying
• 25:27
  about
• 25:27
  what
• 25:27
  you
• 25:27
  took
• 25:27
  from
• 25:28
  Die
• 25:28
  With
• 25:28
  Zero.
• 25:28
  And
• 25:28
  I
• 25:28
  Think
• 25:29
  there's.
• 25:29
  I
• 25:29
  would
• 25:29
  recommend
• 25:30
  that
• 25:30
  book
• 25:30
  to
• 25:30
  anyone,
• 25:30
  anytime.
• 25:31
  I
• 25:31
  think
• 25:31
  it's
• 25:31
  brilliant
• 25:33
  because
• 25:34
  it
• 25:34
  just
• 25:34
  flips
• 25:34
  the
• 25:35
  mindset
• 25:35
  of
• 25:36
  exactly
• 25:37
  what
• 25:37
  we
• 25:37
  were
• 25:37
  talking
• 25:37
  about
• 25:37
  before.
• 25:37
  You
• 25:38
  know,
• 25:38
  your
• 25:38
  life
• 25:38
  is
• 25:38
  for
• 25:39
  living.
• 25:39
  It's
• 25:39
  for
• 25:39
  enjoying.
• 25:40
  And
• 25:40
  the
• 25:40
  idea
• 25:41
  of
• 25:41
  those
• 25:41
  memory
• 25:42
  dividends
• 25:43
  when
• 25:43
  you're
• 25:43
  in
• 25:43
  the
• 25:44
  rest
• 25:44
  home,
• 25:44
  when
• 25:44
  you're
• 25:45
  at
• 25:45
  the
• 25:45
  tail
• 25:45
  end
• 25:45
  of
• 25:45
  your
• 25:46
  life,
• 25:46
  maybe
• 25:47
  moving
• 25:48
  around
• 25:48
  is
• 25:49
  just
• 25:49
  so
• 25:49
  much
• 25:49
  harder.
• 25:50
  You
• 25:50
  are
• 25:51
  sitting
• 25:51
  in
• 25:52
  the
• 25:52
  rocking
• 25:52
  chair
• 25:52
  for
• 25:53
  physical
• 25:54
  reasons.
• 25:54
  You're
• 25:55
  not
• 25:55
  going
• 25:55
  anywhere
• 25:56
  anytime
• 25:56
  soon.
• 25:57
  And
• 25:58
  I
• 25:58
  don't
• 25:58
  want
• 25:59
  to
• 25:59
  be
• 25:59
  sitting
• 25:59
  there
• 25:59
  with
• 26:00
  the
• 26:00
  best
• 26:00
  nurses
• 26:01
  money
• 26:01
  can
• 26:01
  buy.
• 26:01
  I
• 26:02
  mean,
• 26:02
  yes,
• 26:02
  I
• 26:02
  would
• 26:03
  like
• 26:03
  that,
• 26:03
  too,
• 26:04
  but
• 26:05
  I
• 26:05
  don't
• 26:05
  want
• 26:05
  to
• 26:06
  be
• 26:06
  spending
• 26:06
  my
• 26:06
  money
• 26:06
  then.
• 26:07
  I
• 26:07
  want
• 26:07
  to
• 26:07
  be
• 26:07
  living
• 26:08
  off
• 26:08
  those
• 26:08
  memories.
• 26:09
  I
• 26:09
  want
• 26:09
  to
• 26:09
  be
• 26:09
  remembering
• 26:10
  everything
• 26:10
  I
• 26:10
  did.
• 26:11
  You
• 26:11
  know,
• 26:11
  it's
• 26:12
  like
• 26:12
  how
• 26:12
  I
• 26:12
  was,
• 26:12
  you
• 26:13
  know,
• 26:13
  I
• 26:13
  was
• 26:13
  talking
• 26:13
  to
• 26:13
  someone
• 26:13
  the
• 26:14
  other
• 26:14
  day
• 26:14
  about
• 26:15
  one
• 26:15
  of
• 26:15
  my
• 26:15
  great
• 26:16
  joys
• 26:16
  in
• 26:16
  life
• 26:17
  now
• 26:17
  is
• 26:18
  that
• 26:18
  I
• 26:18
  can
• 26:18
  just
• 26:18
  go
• 26:19
  and
• 26:19
  do
• 26:19
  things
• 26:20
  with
• 26:20
  my
• 26:20
  kids.
• 26:21
  My
• 26:21
  kids
• 26:22
  are
• 26:22
  both
• 26:22
  obsessed
• 26:23
  with
• 26:23
  everything,
• 26:24
  with
• 26:24
  wheels
• 26:25
  and
• 26:25
  engines.
• 26:25
  And
• 26:27
  they're
• 26:28
  real.
• 26:28
  I
• 26:28
  didn't
• 26:29
  raise
• 26:29
  them
• 26:29
  this
• 26:29
  way.
• 26:29
  They're
• 26:30
  just
• 26:30
  very.
• 26:30
  Boys.
• 26:30
  Boys.
• 26:31
  I
• 26:31
  was
• 26:31
  one
• 26:31
  of
• 26:31
  those
• 26:32
  too.
• 26:32
  Obsessed.
• 26:33
  Yes.
• 26:34
  Yes.
• 26:34
  I
• 26:34
  don't
• 26:35
  know
• 26:35
  where
• 26:35
  it
• 26:35
  came
• 26:35
  from
• 26:35
  because
• 26:36
  I
• 26:36
  really
• 26:36
  had
• 26:37
  to
• 26:37
  get
• 26:37
  up
• 26:37
  to
• 26:37
  speed
• 26:37
  on
• 26:37
  monster
• 26:38
  trucks
• 26:38
  fast.
• 26:39
  I
• 26:39
  know
• 26:40
  a
• 26:40
  lot
• 26:40
  now,
• 26:41
  but
• 26:41
  it
• 26:42
  took
• 26:42
  me
• 26:42
  a
• 26:42
  moment.
• 26:43
  But
• 26:43
  we
• 26:43
  went
• 26:44
  to
• 26:44
  the
• 26:44
  monster
• 26:44
  truck
• 26:44
  show
• 26:45
  when
• 26:45
  they
• 26:45
  were
• 26:45
  here,
• 26:46
  and
• 26:46
  my
• 26:47
  kid
• 26:47
  had
• 26:47
  the
• 26:48
  most
• 26:48
  parasocial
• 26:49
  response
• 26:50
  to
• 26:50
  seeing
• 26:50
  tiger
• 26:51
  shark
• 26:51
  in
• 26:51
  person.
• 26:51
  I
• 26:52
  mean,
• 26:52
  he
• 26:52
  saw
• 26:52
  all
• 26:52
  the
• 26:52
  other
• 26:53
  monster
• 26:53
  trucks
• 26:54
  doing
• 26:54
  their
• 26:54
  loops
• 26:54
  and
• 26:55
  was
• 26:55
  like,
• 26:55
  yay,
• 26:55
  clap,
• 26:56
  clap,
• 26:56
  clap.
• 26:56
  He
• 26:56
  sees
• 26:57
  Tiger
• 26:57
  shark
• 26:57
  and
• 26:58
  he's
• 26:58
  like,
• 26:58
  waves,
• 26:59
  Tiger
• 27:00
  Shark.
• 27:00
  Hi.
• 27:01
  Oh,
• 27:01
  my
• 27:02
  gosh.
• 27:02
  And
• 27:02
  how
• 27:02
  good
• 27:02
  is
• 27:03
  that?
• 27:03
  Like,
• 27:03
  how
• 27:03
  good
• 27:03
  does
• 27:03
  that
• 27:03
  feel?
• 27:04
  And
• 27:04
  that's
• 27:04
  like
• 27:04
  a
• 27:04
  core
• 27:05
  memory.
• 27:06
  Exactly.
• 27:06
  That's
• 27:06
  your.
• 27:07
  That
• 27:07
  you're
• 27:07
  gonna.
• 27:07
  And
• 27:08
  he
• 27:08
  will
• 27:08
  also
• 27:08
  have
• 27:09
  that
• 27:09
  memory
• 27:09
  and
• 27:10
  everyone
• 27:10
  who
• 27:10
  witnesses
• 27:11
  it,
• 27:11
  who
• 27:11
  bears
• 27:12
  witness
• 27:12
  to
• 27:12
  you,
• 27:12
  and
• 27:13
  it's
• 27:13
  also
• 27:13
  the
• 27:13
  way
• 27:13
  that
• 27:14
  they
• 27:14
  will
• 27:14
  remember
• 27:14
  you.
• 27:15
  Because
• 27:15
  it
• 27:15
  doesn't
• 27:15
  have
• 27:15
  to
• 27:15
  be
• 27:16
  going
• 27:16
  and
• 27:16
  traveling
• 27:16
  the
• 27:16
  world.
• 27:17
  It
• 27:17
  can
• 27:17
  be
• 27:17
  going
• 27:17
  to
• 27:18
  the
• 27:18
  monster
• 27:18
  truck
• 27:18
  show
• 27:18
  or
• 27:19
  even
• 27:19
  just
• 27:19
  going
• 27:19
  on
• 27:20
  a
• 27:20
  nature
• 27:20
  walk
• 27:20
  together
• 27:21
  or
• 27:21
  having
• 27:21
  a
• 27:21
  picnic
• 27:22
  or
• 27:22
  the
• 27:22
  most
• 27:22
  basic
• 27:23
  thing,
• 27:23
  but
• 27:23
  it's
• 27:23
  just
• 27:23
  spending
• 27:24
  time
• 27:24
  together
• 27:25
  and
• 27:25
  spending
• 27:25
  time
• 27:26
  together
• 27:26
  when,
• 27:27
  you
• 27:27
  know,
• 27:27
  you're
• 27:27
  not
• 27:27
  stressed
• 27:28
  and
• 27:28
  you're
• 27:28
  not,
• 27:28
  like,
• 27:28
  constantly
• 27:30
  not
• 27:30
  present
• 27:30
  or
• 27:30
  you're
• 27:31
  thinking
• 27:31
  about
• 27:31
  something
• 27:31
  else
• 27:31
  or
• 27:32
  you're
• 27:32
  thinking
• 27:32
  about,
• 27:32
  oh,
• 27:32
  my
• 27:32
  God,
• 27:32
  I'm
• 27:33
  going
• 27:33
  to
• 27:33
  pay
• 27:33
  this
• 27:33
  bill.
• 27:34
  Or
• 27:35
  grouchy,
• 27:36
  because
• 27:36
  you're
• 27:36
  so
• 27:37
  stressed
• 27:37
  because
• 27:37
  of,
• 27:38
  you
• 27:38
  know,
• 27:38
  the
• 27:39
  anxiety
• 27:39
  that
• 27:39
  comes
• 27:39
  with
• 27:40
  not
• 27:40
  having,
• 27:41
  you
• 27:41
  know,
• 27:41
  enough
• 27:41
  money
• 27:42
  to
• 27:42
  pay
• 27:42
  the
• 27:42
  bills
• 27:43
  affects
• 27:43
  everything
• 27:44
  and
• 27:44
  it
• 27:44
  affects
• 27:44
  your
• 27:44
  mental
• 27:45
  health
• 27:45
  and
• 27:45
  then
• 27:45
  it
• 27:45
  affects
• 27:45
  your
• 27:46
  children's
• 27:46
  happiness.
• 27:47
  And
• 27:47
  I
• 27:47
  love
• 27:47
  that
• 27:48
  saying,
• 27:48
  you're
• 27:48
  only
• 27:48
  as
• 27:49
  happy
• 27:49
  as
• 27:49
  your
• 27:49
  unhappiest
• 27:50
  child,
• 27:51
  because.
• 27:52
  That's
• 27:52
  a
• 27:53
  good
• 27:53
  one.
• 27:53
  It
• 27:54
  is
• 27:54
  so
• 27:54
  true.
• 27:54
  Because
• 27:55
  our
• 27:56
  kids
• 27:56
  did
• 27:57
  not
• 27:57
  love
• 27:57
  all
• 27:57
  of
• 27:57
  traveling
• 27:58
  and
• 27:58
  it
• 27:58
  was
• 27:58
  quite
• 27:59
  stressful
• 27:59
  for
• 27:59
  them.
• 27:59
  And
• 27:59
  that
• 28:00
  was
• 28:00
  when
• 28:00
  I
• 28:00
  was
• 28:00
  like,
• 28:00
  oh,
• 28:00
  I
• 28:01
  think
• 28:01
  it
• 28:01
  might
• 28:01
  be
• 28:01
  time
• 28:01
  to
• 28:01
  go
• 28:01
  home,
• 28:02
  you
• 28:02
  know,
• 28:02
  and
• 28:02
  isn't.
• 28:02
  It
• 28:03
  funny
• 28:03
  how
• 28:03
  you
• 28:03
  can
• 28:03
  have
• 28:03
  these
• 28:04
  big
• 28:04
  moments
• 28:04
  where
• 28:04
  you're
• 28:04
  like,
• 28:04
  yes,
• 28:05
  I'm
• 28:05
  gonna,
• 28:05
  I'm
• 28:05
  gonna
• 28:05
  hit
• 28:05
  this
• 28:05
  and
• 28:05
  it's
• 28:06
  gonna
• 28:06
  be
• 28:06
  amazing.
• 28:06
  And
• 28:06
  then
• 28:07
  it's
• 28:07
  like,
• 28:07
  actually,
• 28:07
  you
• 28:08
  know
• 28:08
  what?
• 28:08
  Some
• 28:08
  of
• 28:08
  the
• 28:08
  stuff
• 28:09
  we
• 28:09
  had
• 28:09
  back
• 28:09
  home
• 28:09
  is
• 28:10
  like,
• 28:10
  really
• 28:10
  good.
• 28:11
  Oh
• 28:11
  my
• 28:11
  goodness.
• 28:12
  Like,
• 28:12
  honestly.
• 28:13
  But
• 28:13
  you
• 28:13
  know
• 28:13
  that
• 28:13
  now.
• 28:14
  I
• 28:14
  know
• 28:14
  that
• 28:14
  now.
• 28:15
  Exactly.
• 28:15
  I
• 28:16
  will
• 28:16
  never
• 28:16
  take
• 28:16
  a
• 28:16
  good
• 28:17
  footpath
• 28:17
  for
• 28:17
  granted
• 28:18
  again.
• 28:18
  Honestly.
• 28:19
  Like,
• 28:19
  we
• 28:19
  were
• 28:20
  the
• 28:20
  little
• 28:21
  things,
• 28:21
  being
• 28:21
  able
• 28:21
  to
• 28:21
  walk
• 28:22
  on
• 28:22
  a
• 28:22
  footpath
• 28:23
  and
• 28:23
  not
• 28:23
  having
• 28:24
  rubbish
• 28:24
  everywhere
• 28:25
  or
• 28:25
  just.
• 28:26
  Yeah,
• 28:26
  you
• 28:26
  do.
• 28:26
  You
• 28:27
  definitely
• 28:27
  do
• 28:27
  appreciate
• 28:28
  how
• 28:28
  amazing
• 28:28
  this
• 28:29
  country
• 28:29
  is
• 28:29
  and
• 28:29
  it
• 28:30
  makes
• 28:30
  you
• 28:30
  want
• 28:30
  to
• 28:31
  come
• 28:31
  back
• 28:31
  and
• 28:31
  help
• 28:32
  make
• 28:32
  it
• 28:32
  better.
• 28:32
  Everyone
• 28:33
  I
• 28:33
  met
• 28:33
  traveling
• 28:34
  was
• 28:34
  like,
• 28:34
  oh,
• 28:34
  you're
• 28:34
  from
• 28:34
  New
• 28:34
  Zealand.
• 28:35
  Why
• 28:35
  are
• 28:35
  you
• 28:36
  traveling?
• 28:36
  Why
• 28:36
  are
• 28:36
  you
• 28:37
  here?
• 28:37
  Why
• 28:38
  did
• 28:38
  you
• 28:38
  leave?
• 28:39
  Like,
• 28:39
  we
• 28:40
  only,
• 28:40
  all
• 28:40
  of
• 28:40
  us
• 28:40
  want
• 28:41
  to
• 28:41
  go
• 28:41
  to
• 28:41
  New
• 28:41
  Zealand.
• 28:41
  And
• 28:42
  I'm
• 28:42
  like,
• 28:42
  yeah,
• 28:43
  I
• 28:43
  know
• 28:43
  it
• 28:43
  probably
• 28:43
  seems
• 28:43
  like
• 28:43
  that,
• 28:44
  doesn't
• 28:44
  it?
• 28:44
  Like,
• 28:44
  yeah,
• 28:45
  sometimes
• 28:46
  I
• 28:46
  don't
• 28:46
  know
• 28:46
  why.
• 28:47
  Well,
• 28:48
  you're
• 28:48
  based
• 28:48
  on
• 28:48
  the
• 28:48
  west
• 28:48
  coast
• 28:49
  now,
• 28:49
  which
• 28:49
  is.
• 28:50
  That's
• 28:50
  so
• 28:50
  my
• 28:50
  dad's
• 28:51
  from
• 28:51
  the
• 28:51
  west
• 28:51
  coast
• 28:52
  and
• 28:52
  I
• 28:52
  have
• 28:52
  some
• 28:52
  core
• 28:53
  childhood
• 28:53
  memories
• 28:53
  of
• 28:54
  going
• 28:54
  to
• 28:54
  like
• 28:55
  visit
• 28:55
  the
• 28:55
  family
• 28:56
  there.
• 28:56
  So
• 28:56
  that
• 28:57
  it's
• 28:57
  an
• 28:57
  amazing
• 28:57
  part
• 28:58
  of
• 28:58
  the
• 28:58
  country.
• 28:59
  Cheaper
• 29:00
  too.
• 29:00
  Right.
• 29:00
  Was
• 29:01
  that
• 29:01
  deliberate?
• 29:01
  Yes
• 29:02
  and
• 29:02
  no.
• 29:02
  Part
• 29:02
  of
• 29:03
  our
• 29:03
  property
• 29:03
  investment
• 29:03
  was
• 29:04
  the
• 29:04
  first
• 29:04
  house
• 29:05
  that
• 29:05
  I
• 29:05
  ever
• 29:05
  bought
• 29:06
  or
• 29:06
  we
• 29:06
  ever
• 29:06
  bought.
• 29:06
  Well,
• 29:06
  that
• 29:07
  I
• 29:07
  told
• 29:07
  my
• 29:07
  husband
• 29:07
  we
• 29:08
  were
• 29:08
  going
• 29:08
  to
• 29:08
  buy
• 29:08
  is
• 29:09
  that
• 29:10
  was
• 29:10
  on
• 29:10
  the
• 29:10
  west
• 29:10
  coast.
• 29:11
  And
• 29:11
  so
• 29:12
  we've
• 29:12
  owned
• 29:12
  this
• 29:12
  property
• 29:12
  for
• 29:13
  nearly
• 29:13
  20
• 29:14
  years.
• 29:14
  It's
• 29:14
  been
• 29:15
  hard
• 29:16
  to
• 29:16
  manage
• 29:17
  because
• 29:17
  it's
• 29:17
  hard
• 29:18
  to
• 29:18
  get
• 29:18
  tradespeople
• 29:19
  and
• 29:19
  the
• 29:19
  maintenance
• 29:19
  is
• 29:20
  high.
• 29:20
  And
• 29:21
  when
• 29:21
  you
• 29:21
  live
• 29:21
  far
• 29:22
  from
• 29:22
  a
• 29:22
  property,
• 29:22
  this
• 29:23
  is
• 29:23
  another
• 29:23
  reason
• 29:23
  property's
• 29:24
  not
• 29:24
  great.
• 29:24
  When
• 29:24
  you
• 29:24
  don't
• 29:24
  live
• 29:24
  around
• 29:25
  the
• 29:25
  corner,
• 29:25
  you
• 29:25
  can't
• 29:25
  just
• 29:25
  go
• 29:26
  and
• 29:26
  like
• 29:26
  unblock
• 29:26
  your
• 29:26
  own
• 29:27
  drains.
• 29:27
  You've
• 29:27
  got
• 29:27
  to
• 29:27
  pay
• 29:27
  someone
• 29:28
  a
• 29:28
  travel
• 29:28
  fee
• 29:29
  and
• 29:29
  you've
• 29:29
  got
• 29:30
  to
• 29:30
  pay
• 29:30
  them
• 29:30
  professional.
• 29:31
  So
• 29:31
  it
• 29:31
  gets
• 29:32
  expensive
• 29:32
  and
• 29:32
  it
• 29:32
  eats
• 29:33
  into
• 29:33
  your
• 29:33
  cash
• 29:33
  flow.
• 29:33
  But
• 29:33
  so
• 29:34
  we
• 29:34
  decided
• 29:34
  that
• 29:34
  we
• 29:34
  wanted
• 29:34
  to
• 29:35
  sell
• 29:35
  this
• 29:35
  house
• 29:36
  has
• 29:36
  to
• 29:36
  be
• 29:36
  a
• 29:37
  self
• 29:37
  managed,
• 29:37
  do
• 29:37
  it
• 29:38
  ourselves,
• 29:38
  reno.
• 29:39
  So
• 29:39
  it's
• 29:39
  like,
• 29:39
  right,
• 29:39
  we're
• 29:40
  just
• 29:40
  going
• 29:40
  to
• 29:40
  move
• 29:40
  in
• 29:40
  We've
• 29:40
  been
• 29:41
  traveling
• 29:41
  for
• 29:41
  a
• 29:41
  year.
• 29:41
  What's.
• 29:41
  What's
• 29:42
  a
• 29:42
  little
• 29:42
  bit
• 29:42
  longer
• 29:42
  on
• 29:43
  another.
• 29:43
  Adventure
• 29:44
  from
• 29:44
  the
• 29:44
  outside
• 29:45
  at
• 29:45
  least.
• 29:45
  And,
• 29:46
  and
• 29:46
  tell
• 29:47
  me
• 29:47
  if
• 29:47
  I'm
• 29:47
  putting
• 29:47
  words
• 29:48
  in
• 29:48
  your
• 29:48
  mouth
• 29:48
  and
• 29:48
  if
• 29:48
  it's
• 29:48
  different,
• 29:49
  but
• 29:49
  it
• 29:50
  looks
• 29:50
  like
• 29:50
  very
• 29:51
  much
• 29:51
  a
• 29:51
  sort
• 29:51
  of
• 29:51
  values
• 29:52
  based
• 29:52
  spending
• 29:52
  thing
• 29:52
  where
• 29:53
  you're
• 29:53
  happy
• 29:53
  to
• 29:53
  spend
• 29:54
  money
• 29:54
  on
• 29:54
  things
• 29:54
  that
• 29:55
  you
• 29:55
  enjoy
• 29:56
  that
• 29:56
  bring
• 29:56
  value
• 29:57
  and
• 29:57
  on
• 29:57
  other
• 29:58
  areas
• 29:58
  you
• 29:58
  cut
• 29:58
  right
• 29:59
  back
• 29:59
  so
• 29:59
  that
• 29:59
  you
• 29:59
  can
• 29:59
  do
• 30:00
  those
• 30:00
  other
• 30:00
  things.
• 30:01
  Um,
• 30:01
  so
• 30:02
  if,
• 30:02
  I
• 30:02
  mean,
• 30:03
  for
• 30:03
  starters,
• 30:03
  is
• 30:03
  that
• 30:03
  the
• 30:03
  case?
• 30:04
  Secondly,
• 30:04
  what
• 30:05
  will
• 30:05
  you
• 30:05
  spend
• 30:05
  money
• 30:06
  on?
• 30:06
  What
• 30:06
  won't
• 30:07
  you
• 30:07
  spend
• 30:07
  money
• 30:07
  on?
• 30:09
  So,
• 30:09
  yes,
• 30:09
  it's
• 30:10
  100%
• 30:10
  the
• 30:10
  case.
• 30:11
  I
• 30:11
  won't
• 30:12
  spend
• 30:12
  money
• 30:12
  on
• 30:14
  clothes.
• 30:16
  Not
• 30:16
  much
• 30:16
  money
• 30:16
  on
• 30:17
  clothes.
• 30:17
  I
• 30:17
  used
• 30:18
  to
• 30:18
  spend
• 30:18
  money,
• 30:18
  a
• 30:18
  lot
• 30:18
  of
• 30:19
  money
• 30:19
  on
• 30:19
  handbags
• 30:19
  and
• 30:20
  thousands
• 30:20
  of
• 30:21
  dollars
• 30:21
  worth
• 30:21
  of
• 30:21
  handbags.
• 30:22
  I
• 30:22
  don't
• 30:23
  know
• 30:23
  why
• 30:24
  handbags
• 30:24
  are
• 30:24
  such
• 30:24
  a
• 30:25
  thing.
• 30:25
  Right.
• 30:25
  Whereas
• 30:26
  now
• 30:26
  I
• 30:26
  don't
• 30:26
  even
• 30:26
  use
• 30:26
  one
• 30:26
  at
• 30:27
  all
• 30:27
  ever.
• 30:27
  I
• 30:27
  know.
• 30:28
  No
• 30:28
  longer.
• 30:29
  We
• 30:30
  don't
• 30:30
  spend
• 30:30
  money
• 30:31
  on
• 30:31
  cars.
• 30:31
  So
• 30:31
  we've
• 30:32
  got
• 30:32
  one
• 30:32
  car
• 30:32
  that
• 30:33
  $9,000,
• 30:34
  and
• 30:34
  that'll.
• 30:34
  We'll
• 30:34
  drive
• 30:34
  that
• 30:34
  till
• 30:35
  it
• 30:35
  dies.
• 30:35
  So
• 30:36
  we
• 30:36
  don't
• 30:36
  really
• 30:36
  spend
• 30:36
  money
• 30:36
  on
• 30:36
  our
• 30:37
  house,
• 30:37
  but
• 30:38
  we
• 30:38
  spend
• 30:38
  money
• 30:38
  on
• 30:38
  health
• 30:39
  and
• 30:39
  travel
• 30:40
  and
• 30:40
  we
• 30:41
  try
• 30:41
  to
• 30:41
  eat
• 30:41
  good
• 30:41
  food.
• 30:42
  And
• 30:42
  living
• 30:43
  somewhere
• 30:43
  remote
• 30:43
  means
• 30:44
  it's
• 30:44
  more
• 30:44
  expensive
• 30:44
  to
• 30:45
  do
• 30:45
  that,
• 30:46
  but
• 30:46
  it's
• 30:47
  important.
• 30:47
  And
• 30:47
  we
• 30:48
  also,
• 30:48
  we
• 30:48
  don't
• 30:48
  have
• 30:49
  fast
• 30:49
  food,
• 30:49
  so
• 30:49
  that
• 30:50
  just
• 30:50
  doesn't
• 30:50
  exist,
• 30:50
  which
• 30:51
  is
• 30:51
  actually
• 30:51
  really.
• 30:51
  I
• 30:51
  don't
• 30:52
  miss
• 30:52
  McDonald's
• 30:52
  at
• 30:52
  all,
• 30:52
  but
• 30:53
  I
• 30:53
  am
• 30:53
  really
• 30:53
  far
• 30:53
  from
• 30:53
  McDonald's,
• 30:55
  so
• 30:55
  we
• 30:55
  can't
• 30:56
  really
• 30:56
  just.
• 30:56
  And
• 30:56
  there's
• 30:57
  no
• 30:57
  Uber
• 30:57
  Eats.
• 30:58
  It's
• 30:58
  really,
• 30:59
  really
• 30:59
  good
• 30:59
  for
• 31:00
  your
• 31:00
  budget.
• 31:00
  And
• 31:00
  your
• 31:00
  waistline
• 31:02
  means
• 31:02
  anything
• 31:03
  you
• 31:03
  eat,
• 31:03
  you
• 31:03
  have
• 31:03
  to
• 31:04
  cook.
• 31:04
  So
• 31:05
  after
• 31:06
  everything
• 31:06
  that
• 31:06
  you've
• 31:07
  sort
• 31:07
  of
• 31:07
  trial
• 31:08
  and
• 31:08
  errored,
• 31:09
  what
• 31:09
  are
• 31:09
  some
• 31:10
  of
• 31:10
  your
• 31:11
  essentials
• 31:12
  these
• 31:12
  days
• 31:13
  for
• 31:13
  getting
• 31:13
  ahead
• 31:14
  with
• 31:14
  your
• 31:14
  money,
• 31:14
  your
• 31:14
  essential
• 31:15
  tactics?
• 31:16
  People
• 31:17
  need
• 31:17
  to
• 31:17
  live
• 31:17
  in
• 31:17
  the
• 31:17
  house
• 31:18
  that
• 31:18
  they
• 31:18
  can
• 31:18
  tolerate
• 31:19
  living
• 31:19
  in
• 31:19
  that
• 31:19
  cost
• 31:20
  them
• 31:20
  the
• 31:20
  least
• 31:20
  amount
• 31:20
  of
• 31:20
  money.
• 31:21
  I
• 31:21
  think
• 31:21
  people
• 31:21
  spend
• 31:21
  a
• 31:22
  lot
• 31:22
  of
• 31:22
  money
• 31:22
  on
• 31:22
  buying
• 31:23
  a
• 31:23
  house.
• 31:23
  And
• 31:24
  so,
• 31:24
  you
• 31:24
  know,
• 31:24
  you
• 31:25
  might
• 31:25
  get
• 31:25
  a
• 31:25
  mortgage
• 31:25
  approved
• 31:26
  for,
• 31:26
  say,
• 31:26
  800,000.
• 31:27
  Doesn't
• 31:27
  mean
• 31:27
  you
• 31:27
  have
• 31:28
  to
• 31:28
  spend
• 31:28
  800,000.
• 31:28
  You
• 31:29
  could
• 31:29
  still
• 31:29
  be
• 31:29
  quite
• 31:29
  happy
• 31:29
  in
• 31:30
  the
• 31:30
  $500,000
• 31:31
  home.
• 31:32
  And
• 31:33
  you
• 31:33
  can
• 31:33
  eventually
• 31:34
  make
• 31:34
  it
• 31:34
  feel
• 31:34
  as
• 31:35
  comfortable
• 31:35
  as
• 31:35
  the
• 31:35
  $800,000
• 31:36
  home
• 31:36
  if
• 31:36
  you
• 31:37
  live
• 31:37
  in
• 31:37
  it
• 31:37
  for
• 31:37
  20
• 31:37
  years
• 31:37
  and
• 31:37
  slowly
• 31:38
  do
• 31:38
  it
• 31:38
  up.
• 31:38
  There's
• 31:39
  almost
• 31:40
  a
• 31:41
  feeling
• 31:41
  amongst
• 31:42
  some
• 31:42
  people
• 31:43
  that
• 31:43
  you
• 31:44
  should
• 31:44
  buy
• 31:44
  the
• 31:44
  best
• 31:44
  house
• 31:45
  that
• 31:45
  you
• 31:45
  can
• 31:45
  afford
• 31:45
  when
• 31:45
  you
• 31:45
  get
• 31:46
  your
• 31:46
  first
• 31:46
  home,
• 31:46
  because
• 31:48
  houses
• 31:48
  will
• 31:48
  never
• 31:49
  be
• 31:49
  as
• 31:49
  cheap
• 31:49
  as
• 31:49
  they're
• 31:49
  going
• 31:49
  to
• 31:50
  be.
• 31:50
  Today
• 31:50
  there's
• 31:50
  that.
• 31:50
  That
• 31:51
  idea.
• 31:51
  And
• 31:51
  I
• 31:52
  don't
• 31:52
  think
• 31:52
  that's
• 31:52
  not
• 31:52
  true
• 31:53
  in
• 31:53
  2021.
• 31:54
  Exactly,
• 31:54
  exactly.
• 31:55
  That
• 31:55
  is
• 31:55
  not
• 31:55
  true.
• 31:55
  But
• 31:55
  it
• 31:55
  is
• 31:56
  a
• 31:56
  narrative
• 31:56
  that
• 31:56
  is
• 31:56
  often
• 31:57
  just
• 31:58
  repeated.
• 31:59
  And
• 31:59
  so
• 32:00
  I
• 32:00
  think
• 32:00
  that's
• 32:00
  dangerous.
• 32:01
  I
• 32:01
  think
• 32:02
  people
• 32:02
  have
• 32:02
  to
• 32:02
  stop
• 32:02
  thinking
• 32:03
  of
• 32:03
  their
• 32:03
  house
• 32:03
  as
• 32:03
  an
• 32:03
  investment.
• 32:04
  It
• 32:04
  is
• 32:04
  not.
• 32:04
  It
• 32:05
  is
• 32:05
  somewhere
• 32:05
  to
• 32:05
  live,
• 32:05
  but
• 32:06
  it
• 32:06
  is
• 32:06
  not
• 32:06
  an
• 32:06
  investment
• 32:07
  and
• 32:07
  it's
• 32:07
  not
• 32:07
  smart
• 32:08
  to
• 32:08
  put
• 32:08
  any
• 32:08
  money
• 32:08
  into
• 32:09
  it.
• 32:09
  I
• 32:09
  think
• 32:09
  also
• 32:11
  probably
• 32:11
  because
• 32:11
  I'm
• 32:12
  not
• 32:12
  an
• 32:12
  Aucklander,
• 32:13
  I
• 32:13
  can
• 32:13
  say
• 32:14
  to
• 32:14
  many
• 32:14
  people
• 32:14
  who
• 32:15
  are
• 32:15
  Aucklanders
• 32:15
  that
• 32:16
  there
• 32:16
  is
• 32:16
  life
• 32:16
  outside
• 32:16
  of
• 32:17
  Auckland.
• 32:17
  And
• 32:18
  in
• 32:18
  Christchurch,
• 32:19
  for
• 32:19
  example,
• 32:19
  we
• 32:20
  have
• 32:20
  so
• 32:20
  many
• 32:20
  people
• 32:20
  moving
• 32:21
  to
• 32:21
  Christchurch
• 32:21
  because
• 32:22
  it's
• 32:22
  more
• 32:22
  affordable.
• 32:22
  We
• 32:23
  think
• 32:23
  that
• 32:23
  the
• 32:23
  prices
• 32:23
  have
• 32:23
  got
• 32:23
  crazy
• 32:24
  high
• 32:24
  now.
• 32:24
  But
• 32:25
  Aucklanders
• 32:25
  are
• 32:25
  like,
• 32:25
  what
• 32:25
  a
• 32:26
  bargain.
• 32:28
  And.
• 32:29
  But
• 32:29
  there
• 32:29
  are
• 32:29
  also
• 32:29
  other
• 32:30
  places
• 32:30
  in
• 32:30
  the
• 32:30
  south
• 32:30
  island,
• 32:31
  not
• 32:31
  necessarily
• 32:31
  the
• 32:31
  west
• 32:31
  coast,
• 32:32
  although
• 32:32
  that's
• 32:32
  great
• 32:32
  too.
• 32:33
  If
• 32:33
  there's
• 32:33
  no
• 32:33
  reason
• 32:34
  for
• 32:34
  you
• 32:34
  to
• 32:34
  live
• 32:34
  in
• 32:34
  Auckland,
• 32:35
  if
• 32:35
  you
• 32:35
  don't
• 32:35
  earn
• 32:36
  this
• 32:36
  massive
• 32:36
  amount
• 32:36
  of
• 32:36
  money
• 32:37
  and
• 32:37
  maybe
• 32:37
  if
• 32:37
  you
• 32:37
  don't
• 32:38
  have
• 32:38
  the
• 32:38
  family
• 32:39
  ties,
• 32:39
  that
• 32:40
  there
• 32:40
  is
• 32:40
  other
• 32:40
  ways
• 32:41
  to
• 32:41
  make
• 32:42
  money
• 32:42
  and
• 32:42
  live
• 32:43
  affordable
• 32:43
  life
• 32:43
  in
• 32:44
  New
• 32:44
  Zealand,
• 32:44
  because
• 32:45
  I
• 32:45
  feel
• 32:45
  like
• 32:45
  it's
• 32:45
  sort
• 32:45
  of
• 32:45
  Auckland,
• 32:46
  Queenstown
• 32:46
  and
• 32:47
  the
• 32:47
  rest
• 32:47
  of
• 32:47
  New
• 32:47
  Zealand,
• 32:48
  those
• 32:48
  are
• 32:48
  sort
• 32:48
  of.
• 32:49
  It's
• 32:49
  hard
• 32:49
  to
• 32:49
  have
• 32:50
  tactics
• 32:50
  that
• 32:50
  work
• 32:51
  in
• 32:51
  both
• 32:51
  places
• 32:52
  because
• 32:52
  a
• 32:52
  lot
• 32:52
  of
• 32:52
  people
• 32:53
  are
• 32:53
  like,
• 32:53
  how
• 32:53
  do
• 32:53
  you
• 32:53
  have
• 32:54
  such
• 32:54
  cheap
• 32:54
  rent
• 32:55
  or
• 32:55
  mortgages
• 32:55
  or
• 32:56
  whatever?
• 32:56
  And
• 32:57
  every
• 32:57
  time
• 32:58
  they're
• 32:58
  from
• 32:58
  Auckland,
• 32:59
  every.
• 32:59
  And
• 32:59
  I'm
• 32:59
  like,
• 33:00
  the
• 33:00
  south
• 33:00
  island
• 33:01
  exists.
• 33:02
  And
• 33:02
  it's
• 33:03
  beautiful,
• 33:03
  it's
• 33:04
  amazing.
• 33:04
  And
• 33:05
  life
• 33:05
  isn't
• 33:06
  any
• 33:06
  smaller
• 33:06
  for
• 33:06
  living
• 33:07
  there.
• 33:07
  Like,
• 33:07
  maybe
• 33:07
  just
• 33:07
  even
• 33:08
  look
• 33:08
  around,
• 33:08
  check,
• 33:09
  seek,
• 33:09
  see
• 33:09
  if
• 33:09
  there's
• 33:10
  a
• 33:10
  role
• 33:10
  that
• 33:10
  might
• 33:11
  pay
• 33:11
  you
• 33:11
  almost
• 33:12
  the
• 33:12
  same
• 33:12
  amount
• 33:12
  of
• 33:13
  money.
• 33:13
  Or
• 33:13
  maybe
• 33:13
  it
• 33:13
  pays
• 33:13
  you
• 33:14
  less,
• 33:14
  but
• 33:14
  your
• 33:14
  living
• 33:14
  costs
• 33:15
  are
• 33:15
  so
• 33:15
  much
• 33:15
  lower.
• 33:15
  Yeah,
• 33:16
  yeah.
• 33:16
  And
• 33:17
  you
• 33:17
  still
• 33:17
  invest
• 33:18
  now
• 33:18
  as
• 33:18
  well.
• 33:18
  So
• 33:18
  you're
• 33:19
  still
• 33:19
  doing
• 33:19
  the
• 33:19
  building
• 33:20
  wealth
• 33:21
  part,
• 33:21
  but
• 33:21
  you're
• 33:22
  focused
• 33:22
  on
• 33:22
  the
• 33:22
  share
• 33:23
  market
• 33:23
  these
• 33:23
  days.
• 33:23
  Yes.
• 33:24
  Yeah.
• 33:24
  How
• 33:25
  core
• 33:25
  is
• 33:25
  that
• 33:25
  to
• 33:26
  your
• 33:26
  strategy?
• 33:26
  I
• 33:26
  mean,
• 33:27
  when
• 33:27
  we're
• 33:27
  looking.
• 33:27
  Because
• 33:27
  we
• 33:27
  often
• 33:28
  talk
• 33:28
  about,
• 33:28
  like,
• 33:28
  sort
• 33:29
  of
• 33:29
  invest
• 33:29
  more
• 33:30
  or
• 33:30
  spend
• 33:31
  less
• 33:31
  or
• 33:32
  earn
• 33:32
  more.
• 33:33
  Like,
• 33:33
  where
• 33:34
  do
• 33:34
  you
• 33:34
  rank
• 33:35
  those
• 33:35
  sorts
• 33:35
  of
• 33:36
  strategies
• 33:37
  for
• 33:37
  you
• 33:37
  now
• 33:37
  at
• 33:38
  your
• 33:38
  stage
• 33:38
  in
• 33:38
  the
• 33:38
  journey?
• 33:39
  I
• 33:39
  don't
• 33:39
  think
• 33:39
  we
• 33:40
  could
• 33:40
  spend
• 33:40
  less.
• 33:41
  The
• 33:41
  only
• 33:41
  things
• 33:41
  we
• 33:42
  could
• 33:42
  do
• 33:42
  now
• 33:42
  are
• 33:43
  earn
• 33:43
  more
• 33:44
  and
• 33:44
  invest
• 33:45
  more.
• 33:45
  I
• 33:45
  feel
• 33:46
  like
• 33:46
  there's
• 33:46
  a
• 33:46
  bit
• 33:46
  of
• 33:46
  a
• 33:47
  frugal
• 33:48
  movement
• 33:48
  and
• 33:48
  people
• 33:49
  sort
• 33:49
  of
• 33:49
  feel
• 33:49
  like
• 33:50
  it's
• 33:50
  almost
• 33:50
  like
• 33:51
  a
• 33:51
  badge
• 33:51
  to
• 33:51
  be
• 33:52
  super
• 33:52
  frugal.
• 33:52
  And
• 33:53
  it's
• 33:53
  not
• 33:54
  really.
• 33:54
  Because,
• 33:54
  honestly,
• 33:55
  you
• 33:55
  just
• 33:55
  need
• 33:55
  to
• 33:55
  earn
• 33:55
  more
• 33:55
  money.
• 33:56
  You're
• 33:56
  gonna
• 33:56
  do
• 33:57
  so
• 33:57
  much
• 33:57
  better
• 33:58
  trying
• 33:58
  to
• 33:58
  earn
• 33:59
  $500
• 33:59
  more
• 34:00
  a
• 34:00
  week
• 34:00
  or
• 34:00
  whatever
• 34:00
  than
• 34:01
  saving
• 34:01
  $10
• 34:02
  on
• 34:02
  something.
• 34:02
  You
• 34:03
  know,
• 34:03
  it's
• 34:03
  great
• 34:03
  to
• 34:03
  be
• 34:03
  frugal
• 34:04
  and
• 34:04
  to
• 34:04
  instill
• 34:04
  habits
• 34:05
  that
• 34:05
  are
• 34:05
  frugal.
• 34:06
  But
• 34:06
  personally,
• 34:06
  it's
• 34:07
  all
• 34:07
  about
• 34:07
  growing
• 34:08
  for
• 34:08
  us
• 34:08
  now.
• 34:08
  It's
• 34:08
  definitely
• 34:09
  about
• 34:09
  growing
• 34:09
  our
• 34:09
  money
• 34:10
  and
• 34:10
  making
• 34:11
  sure
• 34:11
  our
• 34:11
  money
• 34:11
  works
• 34:12
  hard
• 34:12
  for
• 34:12
  us.
• 34:13
  I
• 34:13
  like
• 34:13
  to
• 34:14
  think
• 34:14
  of
• 34:14
  every
• 34:14
  little
• 34:14
  dollar
• 34:15
  I
• 34:15
  have
• 34:15
  as
• 34:15
  one
• 34:15
  of
• 34:15
  my
• 34:16
  little
• 34:16
  employees
• 34:16
  going
• 34:17
  out
• 34:17
  to
• 34:17
  work.
• 34:18
  And
• 34:19
  so
• 34:19
  I
• 34:19
  do
• 34:19
  think
• 34:20
  very
• 34:21
  much
• 34:21
  of
• 34:21
  my
• 34:21
  money
• 34:22
  as
• 34:22
  each.
• 34:23
  Every
• 34:23
  dollar
• 34:23
  counts.
• 34:24
  That's
• 34:24
  really
• 34:24
  helpful
• 34:25
  when
• 34:25
  it
• 34:25
  comes
• 34:25
  to
• 34:25
  investing.
• 34:25
  It
• 34:26
  was
• 34:26
  also
• 34:26
  really
• 34:26
  helpful
• 34:26
  when
• 34:26
  we're
• 34:27
  saving
• 34:27
  for
• 34:27
  traveling,
• 34:28
  because
• 34:28
  I
• 34:28
  was
• 34:28
  sort
• 34:29
  of
• 34:29
  sending
• 34:29
  these
• 34:29
  little
• 34:29
  messages
• 34:30
  to
• 34:30
  my
• 34:30
  husband
• 34:30
  like,
• 34:31
  oh,
• 34:31
  we've
• 34:31
  saved,
• 34:31
  you
• 34:32
  know,
• 34:32
  an
• 34:32
  extra
• 34:32
  $3,
• 34:32
  which
• 34:33
  is
• 34:33
  two
• 34:33
  tacos
• 34:34
  in
• 34:34
  Mexico.
• 34:35
  And
• 34:35
  just
• 34:35
  trying
• 34:36
  to
• 34:36
  get
• 34:36
  that
• 34:36
  idea
• 34:36
  of
• 34:37
  a
• 34:37
  dollar
• 34:37
  actually
• 34:37
  makes
• 34:38
  a
• 34:38
  difference.
• 34:39
  But,
• 34:39
  yeah,
• 34:40
  so
• 34:40
  I
• 34:40
  think
• 34:40
  that
• 34:40
  the
• 34:41
  share
• 34:41
  market
• 34:41
  vast
• 34:41
  is
• 34:42
  really
• 34:42
  core.
• 34:42
  And
• 34:43
  liquidating
• 34:44
  that
• 34:44
  fund
• 34:44
  that
• 34:44
  we
• 34:45
  liquidated
• 34:45
  was
• 34:45
  the
• 34:46
  way
• 34:46
  that
• 34:46
  we
• 34:46
  got
• 34:46
  to
• 34:46
  travel.
• 34:47
  We
• 34:47
  didn't
• 34:47
  sell
• 34:47
  a
• 34:47
  house.
• 34:48
  So
• 34:48
  having
• 34:49
  access
• 34:49
  to
• 34:50
  liquid
• 34:50
  funds
• 34:50
  is
• 34:51
  so
• 34:51
  important.
• 34:52
  Definitely
• 34:52
  the
• 34:52
  way
• 34:53
  that
• 34:53
  I
• 34:53
  would
• 34:53
  want
• 34:53
  to
• 34:53
  structure
• 34:54
  my
• 34:54
  money
• 34:54
  in
• 34:55
  the
• 34:55
  future.
• 34:55
  It
• 34:55
  just
• 34:55
  gives
• 34:56
  you
• 34:56
  so
• 34:56
  many
• 34:56
  more
• 34:56
  options.
• 34:57
  That's
• 34:57
  the
• 34:58
  core
• 34:58
  way
• 34:59
  that
• 34:59
  we
• 34:59
  plan
• 34:59
  to
• 34:59
  invest
• 35:00
  in
• 35:00
  the
• 35:00
  future.
• 35:00
  And
• 35:01
  I
• 35:01
  would
• 35:01
  like
• 35:01
  to
• 35:01
  have
• 35:02
  sort
• 35:02
  of
• 35:03
  50%
• 35:03
  of
• 35:03
  our
• 35:04
  wealth
• 35:04
  in
• 35:04
  the
• 35:04
  share
• 35:05
  market
• 35:05
  or
• 35:05
  in
• 35:05
  funds.
• 35:06
  We
• 35:06
  don't
• 35:06
  own
• 35:07
  shares
• 35:07
  directly,
• 35:07
  just
• 35:07
  ETFs,
• 35:09
  before
• 35:09
  I
• 35:09
  technically
• 35:10
  call
• 35:10
  us,
• 35:10
  like,
• 35:10
  properly,
• 35:11
  actually
• 35:11
  early
• 35:12
  retired,
• 35:12
  just
• 35:13
  because
• 35:13
  it's
• 35:13
  just
• 35:13
  so
• 35:14
  much
• 35:14
  easier
• 35:14
  to
• 35:15
  draw
• 35:15
  money
• 35:16
  out
• 35:16
  every
• 35:16
  week.
• 35:17
  If
• 35:17
  someone
• 35:17
  is
• 35:18
  listening
• 35:18
  to
• 35:18
  this
• 35:18
  and
• 35:18
  thinks,
• 35:19
  this
• 35:19
  sounds
• 35:20
  really
• 35:20
  nice,
• 35:20
  you
• 35:20
  know,
• 35:21
  quite
• 35:21
  a
• 35:21
  family,
• 35:22
  focused
• 35:22
  life.
• 35:23
  There's
• 35:23
  travel
• 35:24
  in
• 35:24
  there.
• 35:24
  There's
• 35:25
  obviously
• 35:25
  a
• 35:25
  lot
• 35:25
  of
• 35:25
  financial
• 35:25
  stability
• 35:26
  in
• 35:26
  there.
• 35:27
  There's
• 35:27
  options.
• 35:28
  If
• 35:28
  someone
• 35:28
  is
• 35:29
  listening
• 35:29
  to
• 35:29
  this
• 35:29
  and
• 35:29
  thinking,
• 35:30
  I
• 35:30
  would
• 35:30
  like
• 35:30
  to
• 35:31
  build
• 35:31
  what
• 35:31
  she's
• 35:31
  built,
• 35:33
  what
• 35:33
  do
• 35:33
  you
• 35:33
  think
• 35:34
  are
• 35:34
  the
• 35:34
  core
• 35:35
  tactics
• 35:35
  they
• 35:35
  need
• 35:35
  to
• 35:36
  embrace
• 35:37
  optimizing
• 35:37
  their
• 35:37
  spending?
• 35:38
  Not
• 35:38
  necessarily
• 35:39
  that
• 35:39
  it's
• 35:40
  gonna
• 35:40
  be
• 35:40
  the
• 35:41
  thing
• 35:41
  that
• 35:41
  changes
• 35:42
  everything,
• 35:42
  but
• 35:43
  it
• 35:44
  makes
• 35:44
  people
• 35:44
  sit
• 35:45
  down
• 35:45
  and
• 35:45
  question,
• 35:45
  okay,
• 35:46
  well,
• 35:46
  we're
• 35:46
  spending
• 35:46
  this
• 35:46
  money
• 35:47
  on
• 35:47
  this.
• 35:48
  Do
• 35:48
  we
• 35:48
  need
• 35:48
  to.
• 35:49
  What
• 35:49
  else
• 35:50
  could
• 35:50
  that
• 35:50
  $12
• 35:51
  a
• 35:51
  month
• 35:51
  go
• 35:51
  to?
• 35:52
  What
• 35:52
  else
• 35:52
  could.
• 35:52
  You
• 35:53
  know,
• 35:53
  all
• 35:53
  these
• 35:53
  small
• 35:53
  amounts
• 35:54
  that
• 35:54
  we
• 35:55
  leak.
• 35:55
  Cause
• 35:55
  we
• 35:55
  all
• 35:56
  have
• 35:56
  money
• 35:56
  leaks.
• 35:56
  I
• 35:57
  have
• 35:57
  them.
• 35:57
  Obviously
• 35:57
  not
• 35:57
  perfect.
• 35:58
  Also,
• 35:58
  it
• 35:58
  sort
• 35:59
  of
• 35:59
  starts
• 35:59
  a
• 35:59
  chain
• 35:59
  reaction
• 36:00
  of
• 36:00
  events
• 36:00
  because
• 36:00
  then
• 36:01
  you're
• 36:01
  like,
• 36:01
  oh,
• 36:01
  well,
• 36:01
  now
• 36:02
  I
• 36:02
  could
• 36:02
  also
• 36:02
  optimize
• 36:02
  this
• 36:03
  other
• 36:03
  thing.
• 36:03
  And
• 36:04
  then
• 36:04
  I've
• 36:04
  realized,
• 36:04
  well,
• 36:04
  I,
• 36:05
  you
• 36:05
  know,
• 36:05
  I've
• 36:05
  saved
• 36:06
  $80
• 36:06
  from
• 36:07
  cutting
• 36:07
  subscriptions.
• 36:07
  Well,
• 36:08
  maybe
• 36:08
  if
• 36:08
  I
• 36:08
  went
• 36:08
  to
• 36:09
  my
• 36:09
  boss
• 36:09
  and
• 36:09
  said,
• 36:09
  you
• 36:09
  know,
• 36:10
  I'm
• 36:10
  willing
• 36:10
  to
• 36:10
  do
• 36:11
  this
• 36:11
  extra
• 36:11
  work.
• 36:11
  Can
• 36:11
  you
• 36:12
  give
• 36:12
  me
• 36:12
  a
• 36:12
  ten
• 36:12
  grand
• 36:12
  a
• 36:12
  year
• 36:13
  pay
• 36:13
  rise?
• 36:13
  You
• 36:13
  know,
• 36:13
  and
• 36:13
  so
• 36:14
  all
• 36:14
  of
• 36:14
  these
• 36:14
  things,
• 36:14
  they
• 36:14
  start
• 36:15
  to
• 36:15
  compound
• 36:15
  once
• 36:15
  you
• 36:16
  start
• 36:16
  to
• 36:16
  think.
• 36:16
  So
• 36:16
  you
• 36:16
  just
• 36:17
  have
• 36:17
  to
• 36:17
  start
• 36:17
  the
• 36:17
  process.
• 36:17
  And
• 36:17
  I
• 36:18
  think
• 36:18
  the
• 36:18
  easiest
• 36:18
  way
• 36:18
  to
• 36:18
  start
• 36:19
  it,
• 36:19
  and
• 36:19
  I
• 36:19
  think
• 36:19
  I've
• 36:19
  heard
• 36:20
  you
• 36:20
  mention,
• 36:20
  is
• 36:20
  just
• 36:21
  start
• 36:21
  with
• 36:21
  your,
• 36:22
  with
• 36:22
  your
• 36:22
  spending.
• 36:23
  You
• 36:23
  can
• 36:23
  control
• 36:24
  it
• 36:24
  right
• 36:24
  then
• 36:24
  and
• 36:24
  there.
• 36:24
  It's
• 36:25
  such
• 36:25
  a
• 36:25
  quick,
• 36:25
  easy
• 36:26
  win.
• 36:27
  And
• 36:28
  so
• 36:28
  many
• 36:28
  other
• 36:29
  things
• 36:29
  will
• 36:29
  take
• 36:29
  time,
• 36:29
  right?
• 36:31
  And
• 36:31
  that's
• 36:31
  great.
• 36:32
  And
• 36:32
  those
• 36:32
  longer
• 36:33
  term
• 36:33
  things
• 36:33
  can
• 36:33
  build
• 36:33
  up
• 36:34
  and
• 36:34
  be
• 36:34
  really
• 36:34
  big.
• 36:35
  If
• 36:35
  you
• 36:35
  give
• 36:35
  yourself
• 36:36
  a
• 36:36
  quick
• 36:36
  win,
• 36:36
  you're
• 36:37
  gonna
• 36:37
  be
• 36:37
  like,
• 36:37
  damn,
• 36:38
  I
• 36:38
  nailed
• 36:38
  this.
• 36:38
  Give
• 36:39
  yourself
• 36:39
  that,
• 36:39
  but
• 36:40
  give
• 36:40
  yourself
• 36:40
  a
• 36:40
  win,
• 36:40
  right?
• 36:41
  Give
• 36:41
  yourself
• 36:41
  a
• 36:41
  win
• 36:42
  and
• 36:42
  don't
• 36:42
  waste
• 36:42
  the
• 36:42
  win.
• 36:43
  So
• 36:43
  if
• 36:43
  you're
• 36:43
  saving
• 36:43
  12
• 36:44
  bucks
• 36:44
  a
• 36:44
  month
• 36:44
  on
• 36:44
  something,
• 36:45
  instantly
• 36:45
  set
• 36:45
  up
• 36:46
  a
• 36:46
  transfer
• 36:46
  for
• 36:46
  $12
• 36:47
  to
• 36:47
  go
• 36:47
  into
• 36:47
  an
• 36:47
  investment.
• 36:48
  Cause
• 36:48
  you've
• 36:48
  just
• 36:49
  don't
• 36:49
  that
• 36:49
  money,
• 36:50
  then
• 36:50
  you're
• 36:50
  not
• 36:50
  gonna
• 36:50
  miss
• 36:50
  it
• 36:51
  and
• 36:51
  set
• 36:51
  a
• 36:51
  huge
• 36:52
  goal.
• 36:52
  I
• 36:53
  feel
• 36:53
  like
• 36:54
  without
• 36:54
  a
• 36:54
  goal,
• 36:54
  we
• 36:55
  couldn't
• 36:55
  have
• 36:55
  done
• 36:55
  any,
• 36:55
  we
• 36:56
  wouldn't
• 36:56
  have
• 36:56
  done
• 36:56
  any
• 36:56
  of
• 36:56
  it.
• 36:56
  We've
• 36:57
  just
• 36:57
  been
• 36:57
  like,
• 36:57
  oh,
• 36:57
  well,
• 36:58
  what's
• 36:58
  the
• 36:58
  point?
• 36:58
  You
• 36:58
  know,
• 36:59
  with
• 36:59
  a
• 36:59
  big,
• 36:59
  big
• 36:59
  goal
• 37:00
  to,
• 37:00
  you
• 37:00
  know,
• 37:00
  retire
• 37:01
  early
• 37:01
  or
• 37:01
  to
• 37:01
  travel
• 37:02
  the
• 37:02
  world
• 37:02
  with
• 37:02
  our
• 37:02
  kids.
• 37:03
  That
• 37:04
  gets
• 37:04
  you
• 37:04
  through
• 37:04
  the
• 37:05
  absolute
• 37:05
  crappiest
• 37:06
  grind
• 37:06
  times
• 37:07
  because
• 37:07
  obviously
• 37:07
  it
• 37:08
  sounds
• 37:08
  all
• 37:08
  lovely
• 37:08
  sitting
• 37:09
  here,
• 37:09
  but
• 37:09
  you
• 37:10
  know,
• 37:10
  it
• 37:10
  was
• 37:10
  so
• 37:11
  exhausting.
• 37:11
  We're
• 37:11
  absolutely
• 37:12
  knackered
• 37:12
  all
• 37:12
  the
• 37:12
  time.
• 37:13
  You
• 37:13
  know,
• 37:13
  you're
• 37:13
  fighting
• 37:14
  and
• 37:14
  you're
• 37:14
  grumpy
• 37:14
  and
• 37:14
  you're
• 37:14
  tired
• 37:15
  and
• 37:15
  you
• 37:15
  don't
• 37:15
  want
• 37:15
  to
• 37:15
  do
• 37:16
  it
• 37:16
  and
• 37:16
  you
• 37:16
  don't
• 37:16
  want
• 37:16
  to
• 37:16
  go
• 37:16
  to
• 37:16
  work
• 37:17
  every
• 37:17
  day
• 37:17
  and
• 37:18
  it
• 37:18
  sucks.
• 37:19
  Like
• 37:19
  a
• 37:19
  lot
• 37:19
  of
• 37:19
  the
• 37:19
  time
• 37:20
  it
• 37:20
  sucks.
• 37:20
  You
• 37:20
  know,
• 37:21
  it's
• 37:21
  not
• 37:21
  pleasant.
• 37:22
  And
• 37:22
  so
• 37:23
  you've
• 37:23
  got
• 37:23
  to
• 37:24
  have
• 37:24
  a
• 37:24
  goal
• 37:24
  to
• 37:24
  get
• 37:24
  you
• 37:24
  through
• 37:24
  that
• 37:25
  because.
• 37:26
  And
• 37:26
  the
• 37:26
  goal
• 37:26
  should
• 37:26
  be
• 37:27
  like
• 37:27
  massive.
• 37:28
  You
• 37:28
  know,
• 37:28
  think
• 37:28
  bigger
• 37:28
  than
• 37:29
  you
• 37:29
  think
• 37:29
  you're
• 37:29
  gonna.
• 37:29
  Is
• 37:30
  it
• 37:30
  a
• 37:30
  big,
• 37:30
  hairy,
• 37:30
  audacious
• 37:31
  goal?
• 37:32
  Yes,
• 37:33
  because
• 37:33
  it's.
• 37:33
  You
• 37:34
  will
• 37:34
  be
• 37:34
  able
• 37:34
  to
• 37:34
  achieve
• 37:35
  it,
• 37:35
  but
• 37:35
  you've
• 37:36
  got
• 37:36
  to
• 37:36
  be
• 37:36
  able
• 37:36
  to
• 37:36
  get
• 37:36
  through
• 37:36
  those
• 37:37
  hard
• 37:37
  times.
• 37:37
  Something
• 37:37
  that
• 37:37
  excites
• 37:38
  you.
• 37:38
  Right?
• 37:38
  Something
• 37:38
  that
• 37:38
  excites
• 37:39
  you.
• 37:40
  Exactly.
• 37:40
  Not
• 37:41
  something
• 37:41
  that
• 37:41
  you
• 37:41
  just
• 37:41
  think,
• 37:41
  oh,
• 37:42
  I
• 37:42
  should
• 37:42
  do
• 37:42
  that.
• 37:42
  No,
• 37:43
  something
• 37:43
  that
• 37:43
  you
• 37:43
  really
• 37:44
  want
• 37:44
  to
• 37:44
  do.
• 37:44
  And
• 37:45
  it
• 37:45
  doesn't
• 37:45
  have
• 37:45
  to
• 37:45
  be.
• 37:45
  Exactly,
• 37:46
  exactly.
• 37:47
  Doesn't
• 37:47
  have
• 37:47
  to
• 37:48
  be
• 37:48
  what
• 37:48
  you
• 37:48
  think
• 37:48
  you
• 37:48
  should
• 37:48
  do.
• 37:49
  What
• 37:50
  is
• 37:50
  it
• 37:50
  that
• 37:50
  you
• 37:51
  actually
• 37:52
  want?
• 37:53
  What
• 37:53
  actually
• 37:54
  sets
• 37:54
  your
• 37:55
  soul
• 37:55
  on
• 37:55
  fire
• 37:56
  and
• 37:56
  makes
• 37:57
  you
• 37:57
  feel
• 37:57
  really
• 37:57
  good,
• 37:58
  you
• 37:58
  know,
• 37:58
  the
• 37:59
  idea
• 37:59
  to
• 37:59
  me
• 38:00
  is
• 38:01
  things
• 38:01
  that
• 38:01
  people
• 38:02
  can't
• 38:02
  take
• 38:02
  from
• 38:02
  me.
• 38:03
  You
• 38:03
  know,
• 38:03
  I
• 38:04
  Like
• 38:04
  that
• 38:05
  I
• 38:05
  can
• 38:05
  walk
• 38:05
  away
• 38:05
  from
• 38:06
  any
• 38:06
  situation.
• 38:07
  I
• 38:08
  built
• 38:08
  that
• 38:08
  faster
• 38:09
  than
• 38:09
  I
• 38:09
  thought
• 38:09
  I
• 38:10
  could.
• 38:10
  I've
• 38:10
  got
• 38:10
  other
• 38:10
  goals
• 38:11
  now,
• 38:12
  but
• 38:12
  first
• 38:12
  off,
• 38:13
  it
• 38:13
  was
• 38:13
  I
• 38:13
  want
• 38:13
  F
• 38:14
  you
• 38:14
  money.
• 38:14
  Yep,
• 38:15
  absolutely.
• 38:15
  FU
• 38:16
  money
• 38:16
  is
• 38:16
  like
• 38:17
  essential.
• 38:18
  Yeah.
• 38:18
  And
• 38:18
  the
• 38:19
  mental
• 38:20
  health
• 38:20
  benefits
• 38:21
  from
• 38:21
  having
• 38:21
  F
• 38:21
  you
• 38:22
  money,
• 38:22
  you
• 38:22
  just
• 38:23
  remove
• 38:23
  all
• 38:23
  this
• 38:23
  anguish.
• 38:24
  I'm
• 38:24
  all
• 38:24
  about
• 38:25
  removing
• 38:25
  the
• 38:25
  stress,
• 38:26
  you
• 38:26
  know,
• 38:26
  like
• 38:26
  decision
• 38:27
  fatigue
• 38:27
  or
• 38:28
  anything
• 38:28
  that
• 38:28
  makes
• 38:28
  you
• 38:29
  feel
• 38:29
  sad
• 38:30
  or
• 38:30
  confused
• 38:30
  or
• 38:31
  anxious.
• 38:31
  If
• 38:32
  there's
• 38:32
  a
• 38:32
  way
• 38:32
  that
• 38:32
  your
• 38:32
  money
• 38:32
  can
• 38:33
  remove
• 38:33
  that
• 38:33
  from
• 38:33
  you,
• 38:34
  you
• 38:34
  know,
• 38:34
  it's
• 38:35
  so
• 38:35
  worth
• 38:35
  doing.
• 38:35
  And
• 38:36
  FU
• 38:36
  money
• 38:36
  is
• 38:36
  a
• 38:37
  great
• 38:37
  place
• 38:37
  to
• 38:37
  start.
• 38:37
  So
• 38:37
  once
• 38:38
  you
• 38:38
  optimize
• 38:38
  expenses,
• 38:39
  get
• 38:39
  that
• 38:39
  emergency
• 38:40
  fund
• 38:40
  and
• 38:41
  then
• 38:41
  get
• 38:41
  your
• 38:41
  three
• 38:41
  to
• 38:42
  six
• 38:42
  months
• 38:42
  of.
• 38:43
  And
• 38:43
  then,
• 38:44
  I
• 38:44
  mean,
• 38:44
  honestly,
• 38:44
  once
• 38:44
  you've
• 38:45
  got
• 38:45
  that,
• 38:45
  it's
• 38:45
  like,
• 38:45
  what
• 38:46
  can't
• 38:46
  you
• 38:46
  do?
• 38:46
  You
• 38:47
  can
• 38:47
  do
• 38:47
  anything.
• 38:48
  And
• 38:48
  if
• 38:49
  you
• 38:49
  have
• 38:49
  that
• 38:49
  goal
• 38:49
  that
• 38:49
  actually
• 38:50
  lights
• 38:50
  a
• 38:50
  fire
• 38:50
  under
• 38:50
  you.
• 38:51
  Like
• 38:51
  the
• 38:51
  idea
• 38:51
  of
• 38:51
  nobody
• 38:52
  being
• 38:52
  able
• 38:52
  to
• 38:52
  tell
• 38:52
  me
• 38:52
  what
• 38:52
  to
• 38:52
  do
• 38:52
  makes
• 38:53
  me
• 38:53
  go,
• 38:53
  yes,
• 38:54
  like,
• 38:55
  amazing.
• 38:56
  Absolutely
• 38:56
  lights
• 38:57
  me
• 38:57
  up.
• 38:58
  Because
• 38:58
  I'm
• 38:58
  a
• 38:58
  stroppy
• 38:58
  socks.
• 38:59
  That's
• 38:59
  just
• 38:59
  how
• 38:59
  that
• 39:00
  is.
• 39:02
  And
• 39:02
  so,
• 39:02
  you
• 39:02
  know,
• 39:02
  that
• 39:03
  genuinely
• 39:03
  makes
• 39:03
  me
• 39:04
  willing
• 39:04
  to
• 39:04
  say,
• 39:04
  no,
• 39:05
  I'm
• 39:05
  not
• 39:05
  gonna
• 39:06
  do
• 39:06
  that
• 39:06
  thing
• 39:06
  because
• 39:06
  I'm
• 39:06
  building
• 39:07
  this
• 39:07
  other
• 39:07
  thing
• 39:07
  and
• 39:08
  it
• 39:08
  feels
• 39:08
  so
• 39:08
  worth
• 39:09
  it.
• 39:09
  Exactly.
• 39:09
  Exactly.
• 39:10
  Yeah.
• 39:10
  Oh,
• 39:10
  I
• 39:10
  love
• 39:11
  this
• 39:11
  so
• 39:11
  much.
• 39:11
  Oh,
• 39:11
  I'm
• 39:11
  feeling
• 39:12
  really,
• 39:12
  like
• 39:12
  hopped
• 39:12
  up
• 39:12
  and
• 39:12
  inspired
• 39:13
  now.
• 39:14
  If
• 39:15
  people
• 39:15
  want
• 39:15
  to
• 39:15
  hear
• 39:15
  more
• 39:16
  from
• 39:16
  you
• 39:16
  and
• 39:16
  your
• 39:17
  brilliant
• 39:17
  tips
• 39:17
  because
• 39:18
  you
• 39:18
  put
• 39:18
  out
• 39:18
  heaps
• 39:19
  of
• 39:19
  content
• 39:19
  about
• 39:19
  what
• 39:19
  you're
• 39:20
  up
• 39:20
  to
• 39:20
  and
• 39:20
  what's
• 39:20
  working,
• 39:21
  where
• 39:21
  can
• 39:21
  people
• 39:22
  find
• 39:22
  you?
• 39:23
  I
• 39:23
  blog.
• 39:24
  Very
• 39:24
  old
• 39:25
  fashioned
• 39:25
  to
• 39:25
  say
• 39:25
  that
• 39:26
  at
• 39:26
  mumsmoney
• 39:27
  Co
• 39:28
  nz.
• 39:28
  Or
• 39:29
  they
• 39:29
  could
• 39:29
  just
• 39:29
  Google
• 39:29
  me.
• 39:29
  Mumsmoney
• 39:30
  nz
• 39:30
  and
• 39:30
  on
• 39:31
  Facebook
• 39:31
  as
• 39:31
  well.
• 39:31
  Emma
• 39:32
  Healy,
• 39:32
  it
• 39:32
  has
• 39:32
  been
• 39:33
  an
• 39:33
  absolute
• 39:33
  delight
• 39:33
  having
• 39:33
  you
• 39:34
  on
• 39:34
  the
• 39:34
  podcast.
• 39:34
  Thank
• 39:35
  you
• 39:35
  so
• 39:35
  much
• 39:35
  for
• 39:35
  coming
• 39:35
  on.
• 39:36
  Thank
• 39:36
  you.
• 39:37
  Now,
• 39:37
  if
• 39:37
  this
• 39:37
  episode
• 39:38
  was
• 39:38
  helpful
• 39:38
  to
• 39:39
  you,
• 39:39
  send
• 39:39
  it
• 39:39
  to
• 39:40
  a
• 39:40
  friend.
• 39:40
  We
• 39:40
  can
• 39:40
  all
• 39:40
  feel
• 39:40
  a
• 39:41
  bit
• 39:41
  inspired
• 39:41
  and
• 39:41
  level
• 39:42
  off
• 39:42
  our
• 39:42
  money
• 39:42
  together.
• 39:43
  Until
• 39:43
  next
• 39:43
  time,
• 39:44
  have
• 39:44
  a
• 39:44
  great
• 39:44
  day.
• 39:46
  This
• 39:47
  podcast
• 39:47
  can
• 39:47
  only
• 39:47
  give
• 39:48
  you
• 39:48
  general
• 39:48
  information
• 39:49
  about
• 39:49
  how
• 39:49
  things
• 39:50
  work
• 39:50
  in
• 39:50
  most
• 39:51
  situations.
• 39:52
  It's
• 39:52
  not
• 39:52
  individual
• 39:53
  financial
• 39:53
  advice.
• 39:54
  If
• 39:54
  you're
• 39:54
  after
• 39:55
  that,
• 39:55
  a
• 39:55
  financial
• 39:56
  advisor
• 39:56
  is
• 39:56
  always
• 39:57
  the
• 39:57
  best
• 39:57
  bet.