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She's 25, Owns a Home, Has No HECS Debt and Still Thinks She's a B- With Money · She's On The Money

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  Speaker 1: My name is Satasha Bamblet. I'm a proud First Nations
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  Speaker 1: woman and I'm here to acknowledge country. Te Glenn Young
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  Speaker 1: Ganya Niana, kaka ya Ya Binahaka Nian our gay In Mbini,
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  Speaker 1: yakarum Jar dominyamiga Umaga Ihowaka nilewaman damind Imlan Wumba bang
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  Speaker 1: Gadabomba in and now in wakah ghana on yakarum jar Watanadaa. Hello,
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  Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
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  Speaker 1: We thank acknowledge and respect the Abiginal people's land that
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  Speaker 1: we're gathering on today. Take pleasure in all the land
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  Speaker 1: and respect all that you see. She's on the Money
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  Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
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  Speaker 1: knowledge and resources for you to thrive.
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  Speaker 2: She's on the Money.
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  Speaker 3: She's on the Money. Hello, and welcome to She's on
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  Speaker 3: the Money, the podcast that lets you be pervy about
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  Speaker 3: other people's money habits for educational purposes, of course. Welcome's
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  Speaker 3: back to another one of our money diaries, brought to
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  Speaker 3: you by our friends at Skywealth, where I get the
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  Speaker 3: absolute privilege of sitting down with one of our incredible
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  Speaker 3: She's on the Money community members and talking to them
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  Speaker 3: all about their journey. Let's jump straight into it, because
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  Speaker 3: this week I got a message and it sounded exactly
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  Speaker 3: like this. Hi, She's on the Money. I absolutely love
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  Speaker 3: the podcast and especially listening to the Money Stories episodes,
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  Speaker 3: so I thought it was probably time for me to
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  Speaker 3: share mine. Anyone who knows me says that I am
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  Speaker 3: a very hard worker and that I am very goal
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  Speaker 3: driven for someone my age. Once I get a glimpse
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  Speaker 3: of something in my vision, it's full steam ahead until
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  Speaker 3: I can achieve it and then cross it off my list.
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  Speaker 3: I've smashed some of my goals in the last few years,
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  Speaker 3: and I am so keen to share them with the
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  Speaker 3: She's on the Money community. Here's a short list. I'm
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  Speaker 3: twenty five, I have a mortgage. I've invested more than
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  Speaker 3: one thousand dollars into the share market since November twenty
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  Speaker 3: twenty five. I have just over fifty three thousand dollars
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  Speaker 3: in super I studied to upskill in my chosen field
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  Speaker 3: and have since paid off my hext completely. Don't have
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  Speaker 3: a credit card, don't have personal loans, and I own
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  Speaker 3: my own car. I definitely work hard for what I have,
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  Speaker 3: and I love to make my money work hard for
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  Speaker 3: me in all the ways that I can. I'm a
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  Speaker 3: sucker for a points or a reward system for things
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  Speaker 3: I would be buying already, and believe that these small
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  Speaker 3: tips and tricks really helped to add up to the
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  Speaker 3: bigger picture. I would love the opportunity to share my
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  Speaker 3: full money story, money diarist, I would love the opportunity
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  Speaker 3: to talk to you about your money story. What a weapon.
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  Speaker 2: Thank you, thanks for having me.
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  Speaker 3: Are you kidding? Twenty five and you've done all that? Yes,
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  Speaker 3: she's just a baby.
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  Speaker 2: I am. I feel like a baby and also old
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  Speaker 2: at the same time. I feel like I'm wise. Yeah.
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  Speaker 3: Look, we haven't known each other for that long, but
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  Speaker 3: you just come across as one of those souls. You've
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  Speaker 3: been here before, haven't you? Like you've just you've been
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  Speaker 3: told that since you were tiny, haven't you? I knew
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  Speaker 3: it all right, let's get into it. What grade would
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  Speaker 3: you give your money habits if I asked you to
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  Speaker 3: give them a grade from A through to F.
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  Speaker 2: At the moment, I'll probably say be minus. There's always
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  Speaker 2: room for improvement.
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  Speaker 3: I'd be minus. My husband mortgage only twenty five one
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  Speaker 3: thousand dollars, Like, I feel like I've got your life
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  Speaker 3: story before we get into it, and usually I don't
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  Speaker 3: get to ask the specifics. I'm probably gonna have to
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  Speaker 3: fight you later. Is that okay, that's all right? I'd
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  Speaker 3: be minus all right? Now my favorite part. Can you
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  Speaker 3: tell me a little bit more about your money story
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  Speaker 3: and the things that have impacted it.
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  Speaker 2: Yeah. So I grew up in a small rural town
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  Speaker 2: in Victoria, and I was taught from a very young
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  Speaker 2: age to work hard and save my money from my
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  Speaker 2: parents they are very wise, but also to make money
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  Speaker 2: work for you, and I think that was always something
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  Speaker 2: that was chilled into me very young. When that saving
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  Speaker 2: wasn't enough, so as soon as I could, I think
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  Speaker 2: it was fourteen and nine months back then, I got
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  Speaker 2: a job in a supermarket. And I think being in
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  Speaker 2: the workforce from such a young age helped me mature
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  Speaker 2: quite a lot, and always working with people who are
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  Speaker 2: older than me obviously, so that was always something that
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  Speaker 2: I looked up to. When I I probably did set
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  Speaker 2: unrealistic goals for some of my age because I'm like, oh,
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  Speaker 2: they've got this, I really want that too, and things
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  Speaker 2: like that, but I suppose it made me work harder.
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  Speaker 3: When you say unrealistic, did you achieve them?
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  Speaker 2: Though? I did?
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  Speaker 3: Yes, So what's unrealistic about that?
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  Speaker 2: Well, it's always something that I've looked forward to, I
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  Speaker 2: suppose is to just have that next thing to work towards.
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  Speaker 3: Maybe unrelatable like if you in you're bad, oh my god,
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  Speaker 3: so out of touch way, but more like, oh my goodness,
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  Speaker 3: she's basically still a child and she wants to, you know,
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  Speaker 3: buy her own car or do this other thing. Yes,
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  Speaker 3: not completely out of reach, but also like that's not
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  Speaker 3: what I did, And that doesn't mean that it's the standard.
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  Speaker 3: But I think that most people when I was eighteen,
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  Speaker 3: we would just live love, laughing, you know, like we
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  Speaker 3: didn't have proper frontal lobes. Did yours de develop like
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  Speaker 3: really early or something? Is that what happened?
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  Speaker 2: I used to have developed quite early, because people would
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  Speaker 2: often say to me, I'm like, god, Georgia, calm down,
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  Speaker 2: like you're only young. You still got your life ahead
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  Speaker 2: of you, and you know everything doesn't have to happen
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  Speaker 2: in the next five minutes, like you've got years. Don't
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  Speaker 2: worry about it.
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  Speaker 3: Yeah, but I did it, though so, and I think
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  Speaker 3: that that's the funniest behalf of this because everyone's telling
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  Speaker 3: you not to and you're like, yeah, but I did
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  Speaker 3: though the cow hard? Could it be men do it?
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  Speaker 2: Yeah? That's right, exactly.
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  Speaker 3: Exactly, So tell me a bit more. Once you've got
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  Speaker 3: your supermarket job, you're setting unrealistic expectations for yourself but
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  Speaker 3: achieving them. What is that transpired into?
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  Speaker 2: Yeah? So I think I went to school Monday to Friday,
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  Speaker 2: and then on the weekend spot Saturday and Sunday, I
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  Speaker 2: was at my supermarket job. And I think being in
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  Speaker 2: a smaller town, it was a smaller supermarket, so there
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  Speaker 2: was no four hour shifts or anything like that where
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  Speaker 2: they probably would have been in a metro setting, so
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  Speaker 2: it was like eight hour days done. So then of
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  Speaker 2: course payday came around and I was like, oh my god, money,
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  Speaker 2: this is so good.
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  Speaker 3: I just know it was an ida or a food work,
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  Speaker 3: wasn't it.
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  Speaker 2: Yeah, So I think just having that money on payday,
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  Speaker 2: I was like, oh my god, this is so good.
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  Speaker 2: Why am I even going to school? I just hate
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  Speaker 2: it and don't want to be there. I could be
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  Speaker 2: at work earning money. And I spoke to Mum and
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  Speaker 2: Dad about it, and I was like, I just don't
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  Speaker 2: want to be at school. I'm not good at it.
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  Speaker 2: Like I was terrible at maths, which is kind of
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  Speaker 2: ironic now because I'm I'm a nurse.
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  Speaker 3: And you're also on the money podcast.
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  Speaker 2: Yeah. Yeah, I was just terrible at it and I
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  Speaker 2: didn't have the attention span, couldn't sit still. I was
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  Speaker 2: just like, I just want to go to work, work hard,
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  Speaker 2: bill in the day, get paid, go home. But yeah,
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  Speaker 2: I think that drive for money. The minute school holidays
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  Speaker 2: came around, I was like, guys, I'm available, Like give
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  Speaker 2: me some extra shifts and just anything that you've got,
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  Speaker 2: I'll take it. Yvery very blessed that Mum and Dad
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  Speaker 2: was still able to drive me to all of that
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  Speaker 2: around their work schedules.
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  Speaker 3: That's the worst thing about living rule, really, isn't it.
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  Speaker 3: That's the public transport.
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  Speaker 2: None. There was none in the town that I lived,
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  Speaker 2: so that was definitely the worst part. Dad had his
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  Speaker 2: own plumbing business, and Mum worked in healthcare but sort
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  Speaker 2: of in the office adminside of things, and so they
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  Speaker 2: like were in Dad's business, but then also would buy
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  Speaker 2: cheap houses around the area that we lived, which probably
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  Speaker 2: cost you know, five cents in the scheme of things now,
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  Speaker 2: but then they were absolute dumps and they would renovate
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  Speaker 2: them and flip them for either like an investment property
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  Speaker 2: or then sell it. And so I think watching them
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  Speaker 2: do that for years was kind of like, oh, there's
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  Speaker 2: money in this, Like property is worth money or it
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  Speaker 2: can be, you know, if you're by the risings.
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  Speaker 3: And that's epic work ethic as well, just the idea
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  Speaker 3: that your parents were doing that as well as you know,
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  Speaker 3: your mum working in like adjacent to healthcare and you're
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  Speaker 3: done having his own business. Like a lot of people
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  Speaker 3: would be like, sorry, we don't have time, but just
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  Speaker 3: what on the weekends they were doing up properties? Yeah, okay,
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  Speaker 3: mom and dad, I can see that the apple hasn't
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  Speaker 3: fallen that far from the tree.
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  Speaker 2: Yeah, And so yeah, I was at work and then
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  Speaker 2: I would come home for my supermarket job and help
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  Speaker 2: out with their renovations and just odd jobs like mow
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  Speaker 2: the lawn and that kind of thing. While they were busy,
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  Speaker 2: they wouldn't get time to do so I felt like
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  Speaker 2: I was busy. And then I think it was when
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  Speaker 2: I went into later years of high school, everyone was like,
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  Speaker 2: you have to pick a UNI degree. And I was like, oh,
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  Speaker 2: that doesn't really sound exciting. And I spoke to a
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  Speaker 2: few people about it and they're like, oh, you know,
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  Speaker 2: don't rush the decision. But I think that pressure from
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  Speaker 2: school was always like you have to have something lined up.
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  Speaker 2: And I know the school I went to was very
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  Speaker 2: big on like their success rates I suppose you'd say,
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  Speaker 2: and they wanted to say like X amount of students
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  Speaker 2: you know, from the year before went to UNI and
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  Speaker 2: now they have jobs or whatever. And I was like,
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  Speaker 2: but I don't want to become a poor UNI student.
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  Speaker 2: I just want to work. And they're like, no, no,
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  Speaker 2: you have to pick something. Even if you take a
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  Speaker 2: gap year you can defer it. And I was like, oh, okay,
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  Speaker 2: this isn't my jam. Mom and dad like I didn't
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  Speaker 2: want to go decided that. I was like, I'm just
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  Speaker 2: not that smart. I do not want to be at UNI.
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  Speaker 2: I don't have the motivation to do things that I
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  Speaker 2: don't want to do.
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  Speaker 3: Oh yeah, neither like if I don't want to do it,
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  Speaker 3: we're out.
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  Speaker 2: Yeah. So I was like, oh, I don't know how
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  Speaker 2: peel about this. And then I met someone who had
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  Speaker 2: done nursing through tape, so it was like the next level.
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  Speaker 2: But I was like, oh, okay, maybe that might be
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  Speaker 2: an option, and she said like, it's really hands on,
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  Speaker 2: and at that point they were very big on having
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  Speaker 2: your attendance in class, which I thought, that's what I
• 9:09
  Speaker 2: need to do. If I'm not sitting in the classroom,
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  Speaker 2: I won't log on.
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  Speaker 3: I'm not going to do the homework. Can't need you
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  Speaker 3: to actually sit me down and be like this is
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  Speaker 3: the answer.
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  Speaker 2: Yeah. Yeah. So I was like, if they say classes
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  Speaker 2: between this time and that time, I'll be there. And
• 9:24
  Speaker 2: if they say log on from home, I'll be like, nah,
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  Speaker 2: I'll just clean the house, or I'll.
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  Speaker 3: Just do something else yeah, or I'll just go to work.
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  Speaker 2: Yes. I think that structure was very good for me
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  Speaker 2: and like how I went around it. So yeah, I
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  Speaker 2: started nursing at TAFE and then for my first placement
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  Speaker 2: was able to get a job as a personal care
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  Speaker 2: assistant in age care. So I started doing shift work
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  Speaker 2: and sort of learned that oh, okay, I don't really
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  Speaker 2: want to do shift work forever, but there is money
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  Speaker 2: to be made in this. So then I became a
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  Speaker 2: nurse once I'd finished my deployment a conic and then
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  Speaker 2: wanted to get a hospital job and sort of step
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  Speaker 2: out of age care. Though everyone was like, oh, you've
• 10:01
  Speaker 2: got to have experience, and I was like, well, how
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  Speaker 2: am I going to get experience if no one will
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  Speaker 2: give me experience?
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  Speaker 3: It's like a catch twenty two. It's such a joke
• 10:08
  Speaker 3: looking back on it. They're like, we want you to
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  Speaker 3: have experience, and I'm like, where was I meant to
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  Speaker 3: get this experience when I just graduated?
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  Speaker 2: Literally yes, and so Dad sort of said, oh, perhaps
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  Speaker 2: you need to move away and like widen your search
• 10:21
  Speaker 2: online to see what's out there, and I was like okay.
• 10:24
  Speaker 2: Ended up moving to Melbourne, which at the time I
• 10:27
  Speaker 2: was like, well, yuck, I do not want to live
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  Speaker 2: in Melbourne, coming from rural Victoria very different.
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  Speaker 3: Well as a Tasmanian, I get it.
• 10:34
  Speaker 2: But yeah, moved to Melbourne. Worked there for about seven
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  Speaker 2: months I think, but that was like purely COVID times.
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  Speaker 2: Couldn't leave the house.
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  Speaker 3: That's been rough as well.
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  Speaker 2: Yeah, and so my partner we were still together throughout that,
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  Speaker 2: but because of the whole COVID thing, he couldn't come
• 10:51
  Speaker 2: to Melbourne to visit me, and I couldn't leave to
• 10:53
  Speaker 2: visit him, and I was like, this sucks. I'm out.
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  Speaker 2: So I moved to Regional Victoria, to an area which
• 11:00
  Speaker 2: was near him but still totally new to me, and
• 11:03
  Speaker 2: I was like, what the hell, let's just do it.
• 11:05
  Speaker 2: So I moved there, which was about forty five minutes
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  Speaker 2: away from where he was living, rented for a little while,
• 11:10
  Speaker 2: and I was like, oh, this sucks, Like why am
• 11:12
  Speaker 2: I renting? This doesn't make sense. I could be putting
• 11:14
  Speaker 2: this money towards my own mortgage. So started working out
• 11:20
  Speaker 2: some figures and thought, I actually really liked this area.
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  Speaker 2: I think I'll buy a house. So purchased a heap.
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  Speaker 3: Okay, but how do you just decide to buy a
• 11:27
  Speaker 3: house because like that's pretty big.
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  Speaker 2: It was pretty big, and I had been saving for
• 11:31
  Speaker 2: a long time with that goal in mind. But then
• 11:34
  Speaker 2: when I moved to Melbourne, I thought, oh, this is
• 11:36
  Speaker 2: like years of this is out the window. Yeakay, And
• 11:39
  Speaker 2: so then I think when I moved back to like
• 11:41
  Speaker 2: out of Melbourne, I was like, oh, okay, maybe this
• 11:43
  Speaker 2: isn't like more achievable.
• 11:44
  Speaker 3: So when were just budding in there because I'm just
• 11:46
  Speaker 3: so pervy, I'm so sorry, my brain is going a
• 11:48
  Speaker 3: million miles an hour when you got your first job
• 11:52
  Speaker 3: and you're working in the supermarket. Was a lot of
• 11:54
  Speaker 3: that money being saved and put aside for a future house.
• 11:57
  Speaker 2: Some of it was for a house and some of
• 11:59
  Speaker 2: it was for a car. I did buy my first
• 12:02
  Speaker 2: car like myself. And then I had put aside money
• 12:08
  Speaker 2: as well for study because mom and dad had said,
• 12:10
  Speaker 2: if you want to study, like that's fair enough, but
• 12:12
  Speaker 2: we can't afford to help you do all of that.
• 12:14
  Speaker 2: It'll help you, but you need to save some money.
• 12:17
  Speaker 2: And it was just coincidence that I'd signed up to
• 12:20
  Speaker 2: be at TAFE doing my nursing and about three months
• 12:24
  Speaker 2: before i'd started, the government announced, oh my god, we
• 12:26
  Speaker 2: need all these nurses. It's COVID.
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  Speaker 3: Well that's such a money.
• 12:30
  Speaker 2: Yeah. So the tape course then became I don't think
• 12:32
  Speaker 2: it was completely free from memory, but it was up
• 12:34
  Speaker 2: to dynific discounted. Yeah. Yeah, so ah, well that's great
• 12:40
  Speaker 2: because I was going to do this anyway, and I
• 12:41
  Speaker 2: had all this money put aside for that, but then
• 12:45
  Speaker 2: decided that I didn't need it for that, so one
• 12:48
  Speaker 2: of my yeah, put it towards something else. So definitely
• 12:51
  Speaker 2: then became a house saving.
• 12:54
  Speaker 3: Yeah okay, okay. I was like, where is this coming from?
• 12:56
  Speaker 3: Like I need to do the maths because the maths
• 12:58
  Speaker 3: isn't math thing and and you said before not good
• 13:01
  Speaker 3: at maths, and I was like, I think you might
• 13:03
  Speaker 3: be because money and maths aren't different things, aren't they.
• 13:07
  Speaker 2: Yeah. So then bought my house and I think once
• 13:11
  Speaker 2: everything had started, and I was like, oh my god,
• 13:14
  Speaker 2: this is massive for someone so young, like I'm in
• 13:17
  Speaker 2: so much debt, but it was almost like a drive
• 13:19
  Speaker 2: in me to go, no, I want to pay this off. Yeah, well,
• 13:22
  Speaker 2: like start paying it off, you know, I see the changes.
• 13:24
  Speaker 3: Every time and actually see it go down instead of
• 13:27
  Speaker 3: just sitting on it and feeling like you're paying interest only,
• 13:29
  Speaker 3: which you know a lot of people listening to this
• 13:32
  Speaker 3: are going to be like Victoria. In this economy, all
• 13:34
  Speaker 3: I can do is afford to pay interest only, which
• 13:38
  Speaker 3: again relatable, but we'll get to it later in the
• 13:40
  Speaker 3: show about how much you spent and what it looked
• 13:42
  Speaker 3: like and all of the numbers because we want to know.
• 13:45
  Speaker 3: But like, regional is so different to buying in Melbourne,
• 13:50
  Speaker 3: Like in Melbourne and in Sydney, Like I don't think
• 13:53
  Speaker 3: you've got much change for seven Biggers anymore. It's just sadly,
• 13:58
  Speaker 3: so out of rich.
• 14:00
  Speaker 2: Yeah, and I think that's so sad for everyone because
• 14:02
  Speaker 2: they probably won't get that opportunity until later on or
• 14:05
  Speaker 2: without from someone else because it's so tricky.
• 14:09
  Speaker 3: Yeah, or we need to like create another strategy which
• 14:11
  Speaker 3: feels so far removed from what you thought your reality
• 14:14
  Speaker 3: would be. Like we talk all the time, as you know,
• 14:17
  Speaker 3: like I work in mortgage barking as well, but I'm
• 14:19
  Speaker 3: always talking to clients and people about, you know, maybe
• 14:22
  Speaker 3: we could bye regionally and then they're like, no, no, no,
• 14:24
  Speaker 3: I don't want to live regionally. I'm like, yes, but
• 14:26
  Speaker 3: we need some stepping stones here, Like you're not going
• 14:29
  Speaker 3: to go straight into your dream property, Like we might
• 14:32
  Speaker 3: have to rinse and repeat three times before we get
• 14:35
  Speaker 3: that dream property. Absolutely, at least there's a strategy. And
• 14:38
  Speaker 3: it's just a bit disappointing because like I door my dad,
• 14:42
  Speaker 3: but he bought his first home at like twenty one
• 14:45
  Speaker 3: and it was basically a dream home.
• 14:47
  Speaker 1: Like what do you mean?
• 14:49
  Speaker 3: He just bought a full bedroom house basically in the
• 14:53
  Speaker 3: main city of where he lived, rented the rooms out
• 14:55
  Speaker 3: to his mates, covered his mortgage. Wham bam, thank you, ma'am.
• 14:58
  Speaker 3: Must be nice, must.
• 14:59
  Speaker 2: Be nice, yes, saying there is it, but yeah, I
• 15:05
  Speaker 2: started paying down that mortgage, and I think seeing the
• 15:08
  Speaker 2: numbers change was like almost that next goal to be like, yep,
• 15:11
  Speaker 2: I can do this. And then decided that I wanted
• 15:14
  Speaker 2: to work smarter and not harder, and that I felt
• 15:16
  Speaker 2: like I was working quite a lot as a nurse
• 15:18
  Speaker 2: and then obviously doing shift work, and I was like, oh,
• 15:20
  Speaker 2: this sucks. So I decided to go to UNI and
• 15:26
  Speaker 2: become a registered nurse study my bachelor. So I did that,
• 15:29
  Speaker 2: which was tricky to say. The leadst to it a
• 15:32
  Speaker 2: lot of night shifts to fit in around my union schedule,
• 15:36
  Speaker 2: which sucked, but that was the only way that I
• 15:38
  Speaker 2: could fit it in around UNI and work and just
• 15:42
  Speaker 2: trying to fit everything in and somehow I have a
• 15:44
  Speaker 2: social life. I honestly don't know how I did that.
• 15:46
  Speaker 3: I look back on my UNI time and I'm like,
• 15:48
  Speaker 3: I don't know how she did it. I actually don't,
• 15:50
  Speaker 3: like I could not keep up with past me.
• 15:54
  Speaker 2: Yeah, but I think placements were really tricky in them
• 15:57
  Speaker 2: obviously we're not getting paid. So there was a few
• 15:59
  Speaker 2: weeks so the year, like at different stages where I
• 16:03
  Speaker 2: was like, I'm going to earn nothing, so I really
• 16:05
  Speaker 2: need to work hard to put money aside so that
• 16:07
  Speaker 2: I can still pay my mortgage. So there was a
• 16:10
  Speaker 2: time where I was paying a little bit extra but
• 16:13
  Speaker 2: not as much as what I had wanted. But once
• 16:15
  Speaker 2: UNI finished, then sort of thought, Okay, well this is good.
• 16:19
  Speaker 2: I've got a little bit of extra money now mhm,
• 16:22
  Speaker 2: and then thought, oh god, now I've got this hex stet.
• 16:25
  Speaker 2: So I felt like there was constantly this clout over
• 16:27
  Speaker 2: me of debt. I suppose you'd say, which, in the
• 16:30
  Speaker 2: scheme of things, is probably nothing, but just yeah.
• 16:33
  Speaker 3: But it also feels that way, doesn't it. And it's
• 16:36
  Speaker 3: kind of the way that it's positioned to you as well,
• 16:39
  Speaker 3: Because nowadays hextet doesn't scare me. I still have a
• 16:43
  Speaker 3: lot of hexstet, and I don't personally prioritize paying it
• 16:46
  Speaker 3: back because I'm like, well, i'd prefer the money to
• 16:48
  Speaker 3: come off my mortgage or going to an investment portfolio,
• 16:50
  Speaker 3: like I've just got stuff to do, right, But back then,
• 16:53
  Speaker 3: because I just didn't know, anytime anyone mentioned it, I
• 16:56
  Speaker 3: kind of felt sick.
• 16:57
  Speaker 2: And I was like Oh my god. Yeah, that's right.
• 16:58
  Speaker 3: Oh, that's going to be so rippling later, like, oh,
• 17:01
  Speaker 3: there was this like overwhelming sense of anxiety. Don't get
• 17:04
  Speaker 3: me wrong. You've paid your heals off, pop off, queen.
• 17:06
  Speaker 2: I love that.
• 17:07
  Speaker 3: But I think that with education comes knowledge that it's
• 17:10
  Speaker 3: actually not a bad thing to be carrying.
• 17:13
  Speaker 2: And I think that was definitely something that I probably
• 17:15
  Speaker 2: didn't understand when I started paying more onto it, because
• 17:18
  Speaker 2: I was like, oh, I didn't actually know that this
• 17:20
  Speaker 2: was like good down. I suppose in this it doesn't
• 17:23
  Speaker 2: affect you down the track.
• 17:25
  Speaker 3: Not in the same way as a mortgage like and
• 17:27
  Speaker 3: I think that that's sexy. But at the same time,
• 17:30
  Speaker 3: if you're in the privileged position to prioritize it and
• 17:32
  Speaker 3: get rid of that debt, like okay, love that for us.
• 17:37
  Speaker 2: Yeah. So I probably cut back on my mortgage payments
• 17:40
  Speaker 2: to put extra money towards my hex step and then
• 17:43
  Speaker 2: paid that off. And after I had just not long
• 17:45
  Speaker 2: paid it off, there was a few changes with indexation
• 17:48
  Speaker 2: and that kind of thing until I'm actually waiting for
• 17:51
  Speaker 2: a refund. Yeah, it's in credit moment, so I'm very
• 17:56
  Speaker 2: much looking.
• 17:56
  Speaker 3: Forward to that. Oh I got that too, and I
• 17:58
  Speaker 3: was like, I'm so glad that I didn't prioritize paying
• 18:01
  Speaker 3: that off because I got a lot more back than
• 18:03
  Speaker 3: what I would have if I had prioritized it.
• 18:06
  Speaker 2: Yes, but yeah, I suppose at the moment just sailing
• 18:11
  Speaker 2: through life still nursing. Ideally I would want to get
• 18:14
  Speaker 2: out of a shift work nursing like in the next
• 18:19
  Speaker 2: five years. Just yeah, gotless to sort of have a
• 18:22
  Speaker 2: family and be able to prioritize that and not have
• 18:25
  Speaker 2: to work shift work. I'm happy to do it for
• 18:27
  Speaker 2: the moment, but I think down the track, I don't
• 18:29
  Speaker 2: really want to do it forever.
• 18:30
  Speaker 3: It's very tonally, totally exactly, and I mean it depends
• 18:35
  Speaker 3: on the type of lifestyle you want to have. But
• 18:37
  Speaker 3: a lot of you know, people in our community who
• 18:39
  Speaker 3: are doing shift work and don't have kids are like,
• 18:41
  Speaker 3: I don't know how this would be sustainable if I
• 18:43
  Speaker 3: did have kids. Don't get me wrong, you're probably making
• 18:47
  Speaker 3: extra bank right now by you know, doing that, And
• 18:51
  Speaker 3: I mean, I'm grateful that there are people that get
• 18:53
  Speaker 3: to benefit from hanging out with you overnight, but I
• 18:57
  Speaker 3: don't know if that's a forever thing. You mentioned a
• 19:00
  Speaker 3: boyfriend before. Do we still have the same boyfriend.
• 19:02
  Speaker 2: Boyfriend, Yes, oh my god, so cute.
• 19:05
  Speaker 3: Yes, are you from the same small town?
• 19:08
  Speaker 2: No? Actually we were a this in the relationship.
• 19:12
  Speaker 3: Me too, me too.
• 19:13
  Speaker 2: Yeah, So I widened my search to find him on
• 19:15
  Speaker 2: Tinder and I was like, oh, I don't know about this,
• 19:17
  Speaker 2: you know, I never met him, but yeah, met him
• 19:20
  Speaker 2: and we just hit it off like a house on fire.
• 19:23
  Speaker 2: He's a so we can just yeah for hours.
• 19:26
  Speaker 3: And how long have you been together?
• 19:28
  Speaker 2: Now? About five and a half years.
• 19:30
  Speaker 3: That's so cute. Do you find complete side note that
• 19:34
  Speaker 3: I think a lot of our single friends are going
• 19:35
  Speaker 3: to relate to. I've got a number of girlfriends who
• 19:38
  Speaker 3: are single at the moment, and I keep being like, well,
• 19:40
  Speaker 3: I met my husband on Tinder, like it can't be
• 19:42
  Speaker 3: that bad, and then they tell me the stories how
• 19:45
  Speaker 3: basically it's the dregs of the internet. Now I feel like,
• 19:48
  Speaker 3: go back five years, it wasn't that bad, yees today
• 19:51
  Speaker 3: it's definitely.
• 19:53
  Speaker 2: It was definitely it's what it is now.
• 19:56
  Speaker 3: No, Like I think I would just decide right settling down,
• 20:01
  Speaker 3: we're done here, because like, there was no way I
• 20:03
  Speaker 3: was going to meet someone at a bar, because that
• 20:05
  Speaker 3: was not going to bars bag, like I was hanging
• 20:07
  Speaker 3: out at home doing financial advice. Real cool, Victoria, Real cool.
• 20:13
  Speaker 3: So have you guys moved in together now? Like, what
• 20:15
  Speaker 3: does the life situation look like?
• 20:17
  Speaker 2: So we live separately. He's bought his own house, probably
• 20:22
  Speaker 2: about a year before I bought mine, so he's got
• 20:25
  Speaker 2: his mortgage. I've got my mortgage. All our finances are
• 20:28
  Speaker 2: still separate. Yep. I have in the last few months
• 20:32
  Speaker 2: got a job in the hospital of the town where
• 20:34
  Speaker 2: he lives. So eventually we would like to move in
• 20:37
  Speaker 2: together and potentially rent one out or something like that.
• 20:42
  Speaker 3: So you're setting yourselves up really nicely.
• 20:44
  Speaker 2: Yeah, at that stage we would then talk about family
• 20:47
  Speaker 2: and next house and goals and that kind of thing.
• 20:49
  Speaker 2: But it's sort of a bit up in the air
• 20:51
  Speaker 2: at the moment.
• 20:52
  Speaker 3: And have you guys been talking about that kind of
• 20:55
  Speaker 3: stuff before? Like is this so?
• 20:57
  Speaker 2: Like?
• 20:57
  Speaker 3: Because five years is from my perspective, five years feels
• 21:00
  Speaker 3: like a really long period of time to be together
• 21:03
  Speaker 3: and not live together. Has that been a conscious decision?
• 21:07
  Speaker 2: I think we are very independent people, but I also
• 21:10
  Speaker 2: think being it's probably lack a regional and rural thing
• 21:14
  Speaker 2: as well. Like we were first together when I was
• 21:17
  Speaker 2: living at Mum and dads and so we lived about
• 21:19
  Speaker 2: an hour and a half apart. So I think the
• 21:21
  Speaker 2: distance has always been between us. And then when I
• 21:24
  Speaker 2: moved to Melbourne, I sort of thought, oh, this can
• 21:27
  Speaker 2: be made or break. Like, you know, he might walk away,
• 21:30
  Speaker 2: he might just say, oh, she's going to move to
• 21:32
  Speaker 2: Melbourne whatever, and he at that stage had no intention
• 21:35
  Speaker 2: of moving with me. So I was like, well, we're
• 21:37
  Speaker 2: fresh into this relationship. It's either going to work or
• 21:39
  Speaker 2: it's not. I'm doing me, you're doing you. Whatever happens happened.
• 21:43
  Speaker 3: And I mean that's kind of fair because at the
• 21:45
  Speaker 3: start it's like we might be in love. But also
• 21:48
  Speaker 3: I don't want to compromise my dreams. And I actually, yeah,
• 21:51
  Speaker 3: that's really healthy. Yeah, Like I know that some people
• 21:53
  Speaker 3: will be like, oh my god, heartbreaking, but like prioritize you, babe, Yeah,
• 21:58
  Speaker 3: put you first. And if you can put you first,
• 22:00
  Speaker 3: somebody else will see that you're doing that and want
• 22:02
  Speaker 3: to do that for you too.
• 22:03
  Speaker 2: Yes, And he was very supportive. He was like, absolutely,
• 22:06
  Speaker 2: go do what you need to do and then once
• 22:08
  Speaker 2: you've got that experience, come back and you know, we'll
• 22:10
  Speaker 2: go from there. But I sort of thought, oh, I
• 22:13
  Speaker 2: don't know, this is too good to be thrue. But
• 22:17
  Speaker 2: we did end up seeing it through, and I think
• 22:19
  Speaker 2: like it was hard and COVID was terrible, but I
• 22:22
  Speaker 2: think just putting everything into perspective, like at the end
• 22:25
  Speaker 2: of the day where a couple of hours apart, some
• 22:27
  Speaker 2: people were across the other side of the world and
• 22:29
  Speaker 2: couldn't see their family. So in the scheme of things,
• 22:32
  Speaker 2: it really wasn't that bad.
• 22:33
  Speaker 3: It's not that deep.
• 22:34
  Speaker 2: But yeah, I just think it was made to last,
• 22:38
  Speaker 2: and so it did.
• 22:39
  Speaker 3: That's so good. I just love love, and I love
• 22:42
  Speaker 3: asking people about love, but I also love asking people
• 22:45
  Speaker 3: about money. So we know that you're a registered nurse.
• 22:48
  Speaker 3: Now how much money do you own? You're doing some
• 22:50
  Speaker 3: night shift, so I feel like it'll be good.
• 22:53
  Speaker 2: It's yeah, it's a bit all over the place. So
• 22:55
  Speaker 2: I still do all the shifts. While I was through UNI,
• 22:58
  Speaker 2: I was doing mainly nights. Now it's just a bit
• 23:00
  Speaker 2: of everything, and I also have a couple of casual
• 23:03
  Speaker 2: gigs that I do as well. Black still just here
• 23:07
  Speaker 2: and there, just because you know, I haven't got enough
• 23:08
  Speaker 2: on my plate.
• 23:09
  Speaker 3: That's so good, though. How are you finding the balance
• 23:12
  Speaker 3: between you know, having a full time job, doing some
• 23:15
  Speaker 3: night shift and then some casual gigs and maintaining a
• 23:18
  Speaker 3: long distance I'm going to call it long distance relationship.
• 23:21
  Speaker 2: I mean, it is tricky. My partner doesn't work shift,
• 23:24
  Speaker 2: so I think that's probably a bonus. I think if
• 23:27
  Speaker 2: we were both doing shifts, that would make things very complicated.
• 23:30
  Speaker 3: Oh yeah, no, you'd be shifts in the night.
• 23:32
  Speaker 2: Yeah. He has always made comments about the fact that
• 23:38
  Speaker 2: I love you, but if you've just come off a
• 23:40
  Speaker 2: night shift, don't come here because you're a messy.
• 23:44
  Speaker 3: Home, okaking, no worries. I want the whole man to
• 23:47
  Speaker 3: myself anyway.
• 23:49
  Speaker 2: Yeah, so I think he's been very understanding of all
• 23:53
  Speaker 2: of that. But at the same time, here's a gem.
• 23:56
  Speaker 2: If I'm a night shift, he'll cook food, he'll do
• 23:58
  Speaker 2: whatever to help out. But I think also being very
• 24:02
  Speaker 2: independent people means that we can survive, you know, a
• 24:05
  Speaker 2: few days without seeing each other. It is what it
• 24:06
  Speaker 2: is because we used to do that all the time.
• 24:09
  Speaker 2: So if I'm on shift, it's kind of yeah. But
• 24:11
  Speaker 2: I think now, even though we're still technically long distance,
• 24:15
  Speaker 2: it's really not. It's like, forty five minutes down the road.
• 24:17
  Speaker 3: We're still separate, right, that's yeah.
• 24:20
  Speaker 2: Like we're still separate, but in the scheme of things,
• 24:22
  Speaker 2: it's actually the closest that we've ever been because it
• 24:24
  Speaker 2: used to be like an hour and a half or
• 24:26
  Speaker 2: two three hours away. So it's kind of good. We
• 24:28
  Speaker 2: actually see each other more now than what we did before. Yeah,
• 24:31
  Speaker 2: that's airy, which is definitely a good way to look
• 24:33
  Speaker 2: at it. And then we think, oh, like we haven't
• 24:35
  Speaker 2: seen each other in a week or whatever. But I
• 24:37
  Speaker 2: think it makes our time together more valuable and we
• 24:40
  Speaker 2: value it more because there's less of it if we
• 24:43
  Speaker 2: don't take it for grant to.
• 24:44
  Speaker 3: Yeah, so you're already own home, you've got a mortgage,
• 24:46
  Speaker 3: you're only twenty five, like, you've paid off your hex,
• 24:49
  Speaker 3: you're on your car. What are your big money goals?
• 24:52
  Speaker 3: What are you currently working towards?
• 24:53
  Speaker 2: So I think not necessarily like full steam ahead for
• 24:57
  Speaker 2: this one work compared to my other ones, but definitely
• 25:00
  Speaker 2: in the next like three four five years, potentially start
• 25:03
  Speaker 2: a family, move in with my partner. Could you get
• 25:06
  Speaker 2: a house together. I don't know whether it looks like
• 25:09
  Speaker 2: whether we sell boats and buy one or keep both
• 25:12
  Speaker 2: on new equity or whatever, but yeah, see whether see
• 25:15
  Speaker 2: where the stars take us.
• 25:16
  Speaker 3: I suppose that's really exciting.
• 25:18
  Speaker 2: Yeah, we got several options, which is good.
• 25:20
  Speaker 3: So when you say you want to start a family,
• 25:23
  Speaker 3: what does that look like financially? Do you think, like,
• 25:26
  Speaker 3: obviously move in together, but do you think you'll cut
• 25:28
  Speaker 3: back on work at that point? Do you think he will?
• 25:32
  Speaker 3: Like have you thought about the plan there? Because I
• 25:34
  Speaker 3: feel like, you know, I always used to say, yeah,
• 25:37
  Speaker 3: I'd love babies one day, I'd love babies one day,
• 25:38
  Speaker 3: and I hadn't really thought about the semantics of it.
• 25:40
  Speaker 3: Now and now I'm juggling it. I'm like, oh, like,
• 25:43
  Speaker 3: I don't regret any of this, but it's a lot
• 25:46
  Speaker 3: more than I thought it would be.
• 25:47
  Speaker 2: Yeah, I think I work in public like Victorian public health,
• 25:51
  Speaker 2: and I think one of the bonuses I suppose you'd
• 25:54
  Speaker 2: say is that if you do change jobs from Victorian
• 25:57
  Speaker 2: to Victorian, your long service leave and that kind of
• 26:00
  Speaker 2: thing travels with you, oh very much. And so I
• 26:02
  Speaker 2: think because I've since working at Melbourne, I have always
• 26:05
  Speaker 2: been in public health. I have actually got at the
• 26:08
  Speaker 2: end of this year long service leave to my name.
• 26:11
  Speaker 3: Oh good, and you're only in twenty five stock that's
• 26:14
  Speaker 3: gonna be iconic.
• 26:16
  Speaker 2: Yeah, I'm very excited. So I think even if we
• 26:19
  Speaker 2: were to use like a couple of days a week
• 26:21
  Speaker 2: or something like that, it would be more doable, like
• 26:25
  Speaker 2: after my leave.
• 26:26
  Speaker 3: In terms of juggling everything and just having that flexibility
• 26:29
  Speaker 3: of choice. Yeah, like so many people don't. They might
• 26:31
  Speaker 3: just have their matte leave and when bam, thank you ma'am.
• 26:34
  Speaker 3: You have to go back to work because money is hard, yeah,
• 26:37
  Speaker 3: but just having that in your back pocket and going
• 26:39
  Speaker 3: all right, well I could go back part time but
• 26:42
  Speaker 3: still get more pay Like, oh, that flexibility is so sexy.
• 26:45
  Speaker 3: I love this for you.
• 26:47
  Speaker 2: Yes, I've always been told work smarter, not harder, and
• 26:49
  Speaker 2: so that's always been something.
• 26:51
  Speaker 3: But you really did it, Like so many of us
• 26:53
  Speaker 3: say works smarter, not harder, but we don't actually know
• 26:56
  Speaker 3: how to do that, Like it just doesn't feel like
• 26:59
  Speaker 3: the reality. All right, let's go to a really quick
• 27:01
  Speaker 3: break because I cannot wait to ask you how much
• 27:04
  Speaker 3: you spent on your house. I just need to know.
• 27:06
  Speaker 3: I also want to talk about your investing journey, because
• 27:09
  Speaker 3: you only started that in November last year, and then
• 27:11
  Speaker 3: we got to talk about personal insurance and your best
• 27:13
  Speaker 3: and worst money habits. So guys don't go anywhere money Diarist,
• 27:20
  Speaker 3: We are back and you're like so young, but such
• 27:24
  Speaker 3: a weapon? How did this come to fruition?
• 27:28
  Speaker 2: Like?
• 27:29
  Speaker 3: How do you just get good at money? Is it
• 27:31
  Speaker 3: the work ethic that your parents instilled in you? Was
• 27:34
  Speaker 3: it like you know, a structure? Was there just nothing
• 27:37
  Speaker 3: to spend on in a small rural town, Like tell
• 27:40
  Speaker 3: me how you get good at money? As somebody who
• 27:43
  Speaker 3: also I would say, I had the same work ethic
• 27:46
  Speaker 3: and I still do. Like I am a workaholic. When
• 27:49
  Speaker 3: I was young, fourteen years nine months march down, got
• 27:52
  Speaker 3: my first job at the ice cream shop, have worked
• 27:55
  Speaker 3: ridiculous hours through UNI. But you know what I did,
• 27:58
  Speaker 3: I spent all that money. And so where did we differ?
• 28:02
  Speaker 3: How did you get the work ethic from your parents
• 28:05
  Speaker 3: in the same way I did, But yours was more productive.
• 28:08
  Speaker 2: Mom and Dad definitely worked hard and that was something
• 28:11
  Speaker 2: that I always looked up to. And I think something
• 28:14
  Speaker 2: that Dad used to say to me was that we're comfortable.
• 28:17
  Speaker 2: We're not rich, but we've made decisions along the way
• 28:21
  Speaker 2: that have put us in a better position.
• 28:23
  Speaker 3: Yeah, that sounds like something a rich person would say.
• 28:26
  Speaker 2: My partner always says Oh, your parents are loaded, And
• 28:28
  Speaker 2: I'm like, well, I don't think they are, but they've
• 28:31
  Speaker 2: just sacrificed quite a lot through the years in order
• 28:34
  Speaker 2: to get where they are. And I think that shows I.
• 28:37
  Speaker 3: Do kid, But also how cool like the idea that
• 28:41
  Speaker 3: your parents are financially secure. This is going to sound
• 28:44
  Speaker 3: like a big one, but I think a lot of
• 28:45
  Speaker 3: people will relate to it. Just what a weight off
• 28:49
  Speaker 3: your shoulders to know, Okay, that's never going to be
• 28:51
  Speaker 3: something that I need to stress about.
• 28:54
  Speaker 2: Yeah, And I think it's always been something that I've
• 28:58
  Speaker 2: looked up to about work hard and save your money
• 29:01
  Speaker 2: but also make it work for you, and you know,
• 29:05
  Speaker 2: just odd things like that you would do along the
• 29:08
  Speaker 2: way that you wouldn't even think of, that making one
• 29:11
  Speaker 2: decision one way can change something so drastically. And yeah,
• 29:16
  Speaker 2: something that they've always said to me was that you
• 29:19
  Speaker 2: don't have to have a lot of money to make
• 29:22
  Speaker 2: a lot of money. And I think that is true. Yeah,
• 29:25
  Speaker 2: And I think that was always something that stuck with
• 29:26
  Speaker 2: me in that just because you're working a supermarket job
• 29:30
  Speaker 2: when you're sixteen, like if you spend eighty percent of
• 29:34
  Speaker 2: your wage, or if you're a lawyer who owns however
• 29:37
  Speaker 2: much per week and you still spend eighty percent of
• 29:39
  Speaker 2: your wage, it's gone. That's you know, if you're saving
• 29:43
  Speaker 2: five dollars or five hundred dollars, you're still saving.
• 29:46
  Speaker 3: That's that's truly, Yeah, my entire purpose in life. I
• 29:50
  Speaker 3: think so many times we are harsh on ourselves or
• 29:54
  Speaker 3: we you know, think this isn't going to be possible
• 29:56
  Speaker 3: purely because you're like, well, surely, because I've got this job,
• 29:59
  Speaker 3: it's not going to work out for me. But it's
• 30:01
  Speaker 3: actually about what you can save, not what you can earn.
• 30:04
  Speaker 3: And it's those you know, underlying principles of being consistent
• 30:09
  Speaker 3: because you know, somebody working and I'm just going to
• 30:11
  Speaker 3: use this example because you said you worked in a supermarket,
• 30:13
  Speaker 3: But somebody working in a supermarket hustling their butt off
• 30:17
  Speaker 3: and finding a way to you know, save two hundred
• 30:20
  Speaker 3: bucks a week, which I'm not saying everyone can do,
• 30:23
  Speaker 3: but is completely possible in those situations. You know, don't
• 30:27
  Speaker 3: get me wrong. You might have kids and that might
• 30:28
  Speaker 3: not be the reality, but for a lot of people
• 30:31
  Speaker 3: in that situation, two hundred bucks invested every single week, go,
• 30:35
  Speaker 3: You're going to be rich, like It's about the consistency.
• 30:38
  Speaker 3: It's not about going all right, well, how can I
• 30:40
  Speaker 3: get a higher paying job? And how many times? And
• 30:42
  Speaker 3: I mean you've probably seen it, but never experienced this.
• 30:46
  Speaker 3: I've experienced this where I keep telling myself, when I
• 30:48
  Speaker 3: earn more, I will be able to and that's just
• 30:52
  Speaker 3: not the reality of the situation. It's when I learn
• 30:55
  Speaker 3: how to manage my money, I will be able to
• 30:58
  Speaker 3: invest more. But until then, more money actually equals more problems.
• 31:02
  Speaker 2: Yes, definitely. And I think that was something that was
• 31:05
  Speaker 2: always explained to me that just because your own more
• 31:08
  Speaker 2: doesn't mean you make more and that's all like that
• 31:10
  Speaker 2: you take home more because there's things like more tax
• 31:12
  Speaker 2: and then what are more sin Yeah, and so I
• 31:15
  Speaker 2: think that that kind of stuff has stuck with me.
• 31:17
  Speaker 2: But someone who wasn't very good at maths years and
• 31:19
  Speaker 2: years ago, I think those kind of things stuck with
• 31:23
  Speaker 2: me because I was like, well, even if I can
• 31:26
  Speaker 2: say five dollars here or fifty dollars there, that's still something.
• 31:30
  Speaker 3: Yeah, No, totally, And I'm adoring this mindset. And that's
• 31:34
  Speaker 3: why I keep asking like more and more about it,
• 31:36
  Speaker 3: because so often people will say, well, you know, it's
• 31:41
  Speaker 3: only fifty dollars. It's not worth it. But in your
• 31:44
  Speaker 3: diary in you said, Victoria, it's about the little things
• 31:48
  Speaker 3: that all add up. Like you're into like rewards programs
• 31:51
  Speaker 3: and points and stuff like that. How do you integrate
• 31:54
  Speaker 3: those into your life? Because I love a point in tack,
• 31:57
  Speaker 3: like my whole team do. What are your faate rits.
• 32:00
  Speaker 2: I'm definitely big on flybys. That's probably something that I
• 32:03
  Speaker 2: use a lot. Oh me too, and I am a
• 32:05
  Speaker 2: one pass member, so of course you know bonus points absolutely,
• 32:08
  Speaker 2: sorrying about it.
• 32:10
  Speaker 3: This isn't sponsored, but like you guys are sleeping on
• 32:13
  Speaker 3: one pass, Like if you use one pass, it like
• 32:16
  Speaker 3: five times is your points like for not much more?
• 32:21
  Speaker 3: And then all of a sudden, bam, I've made that
• 32:24
  Speaker 3: into business class flights.
• 32:25
  Speaker 2: Yeah, and I think those kind of things like I
• 32:28
  Speaker 2: would be going to kmart or to office works or
• 32:30
  Speaker 2: two calls or whatever. I would be spending money on
• 32:32
  Speaker 2: that kind of stuff anyway. So I'm like, well, if
• 32:34
  Speaker 2: I can earn points, then yeah, why not? And if
• 32:37
  Speaker 2: I can earn five times the points, bonus make it
• 32:39
  Speaker 2: make sense?
• 32:40
  Speaker 3: Like sorry, I actually asked someone very close to me
• 32:44
  Speaker 3: who happens to work out that company. I was like,
• 32:47
  Speaker 3: what the hell's going on here, because like it feels
• 32:49
  Speaker 3: like that's not good for business, Like surely giving us
• 32:52
  Speaker 3: that many points isn't good. And they said, yeah, look
• 32:55
  Speaker 3: it probably isn't, but it's a really good recruitment strategy.
• 32:58
  Speaker 3: And I said, right, well, I'm going to use that
• 33:00
  Speaker 3: until it's done, like until they feel like they've got
• 33:02
  Speaker 3: enough members. I'm going to get my triple points or
• 33:05
  Speaker 3: like quadruple points or whatever it is.
• 33:07
  Speaker 2: Yeah, And I think people always say, like, oh, that's
• 33:10
  Speaker 2: just how they track your spending, and I'm like, so what,
• 33:13
  Speaker 2: I'm many points?
• 33:13
  Speaker 3: Okay, yeah, see there's that like privacy point and I
• 33:19
  Speaker 3: fully get it. But let you are my information for points.
• 33:22
  Speaker 3: I will sell my soul.
• 33:23
  Speaker 2: If you're gonna like emails, I don't care.
• 33:26
  Speaker 3: Yeah that's fine, I'm gonna put them in the bin.
• 33:29
  Speaker 3: You want to track my spending? Ooh it's good, isn't it.
• 33:35
  Speaker 3: Maybe I'm not saying this the way that I shouldn't
• 33:36
  Speaker 3: have probably terrified some people looking money Darist. You said
• 33:40
  Speaker 3: that you'd also just started investing. Tell me a little
• 33:42
  Speaker 3: bit about that journey. Why did you start investing after
• 33:45
  Speaker 3: property being such, I guess a big part of your
• 33:49
  Speaker 3: strategy to begin with.
• 33:50
  Speaker 2: Yeah, So I think I was sort of in the
• 33:52
  Speaker 2: mindset of don't have all wer like eggs in one
• 33:56
  Speaker 2: basket type thing. So even though I was putting a
• 33:58
  Speaker 2: lot of money onto my mortgage, I sort of thought, Oh,
• 34:01
  Speaker 2: I don't know, like God forbid the house prices go
• 34:04
  Speaker 2: down or something. I don't want to lose a heap
• 34:07
  Speaker 2: of money. So I was sort of late, and then
• 34:10
  Speaker 2: started with Chasis through the shees on the money discount
• 34:14
  Speaker 2: code or whatever that was. Icon.
• 34:16
  Speaker 3: We're trying to create a cult here, and I think
• 34:18
  Speaker 3: it's work.
• 34:19
  Speaker 2: It's definitely, yes, Yes.
• 34:22
  Speaker 3: I've got to make it more culty though, like we're
• 34:25
  Speaker 3: not good at this. All we're doing is getting rich,
• 34:28
  Speaker 3: Like there has to be something negative, you know.
• 34:30
  Speaker 2: Yeah, but yes, started with that. I think the promotion
• 34:34
  Speaker 2: was get ten dollars if you spend ten dollars or
• 34:36
  Speaker 2: something like that, so I thought, old, it's twenty bucks
• 34:38
  Speaker 2: for the hell, ten of it is in mine, so
• 34:41
  Speaker 2: if I lose it, I lose it. And I think
• 34:45
  Speaker 2: something that my grandparents used to always say was that
• 34:48
  Speaker 2: if you go out and buy a lotto ticket and
• 34:49
  Speaker 2: you're lose, it's gone, you know, like that's it. Your
• 34:53
  Speaker 2: money's gone, whereas with the share market, if it's gone down,
• 34:56
  Speaker 2: it's not gone completely. And so I thought, well, that
• 34:59
  Speaker 2: seems I actually crossed. You're not doing that, yeah, literally,
• 35:03
  Speaker 2: and like that is a lesson ticket.
• 35:06
  Speaker 3: That is a lesson that I have been trying to
• 35:08
  Speaker 3: teach for a very long time, and that is that
• 35:11
  Speaker 3: you know, if your portfolio goes down, you've actually not
• 35:14
  Speaker 3: lost anything. It's just what it is worth today if
• 35:17
  Speaker 3: you sold it, and if you had ten shares before,
• 35:20
  Speaker 3: you still have ten shares today. You actually haven't lost,
• 35:23
  Speaker 3: quote anything, They've just lost or dropped in value. And
• 35:26
  Speaker 3: that is so hard to explain to people because obviously
• 35:30
  Speaker 3: you feel like you're missing out. But it's nothing like gambling,
• 35:33
  Speaker 3: it's nothing like lotto. So you're telling me that your
• 35:36
  Speaker 3: parents had shares too.
• 35:37
  Speaker 2: They did. My grandparents did. They had shares from their
• 35:41
  Speaker 2: parents which they then inherited, which then my parents got.
• 35:44
  Speaker 3: Yep, so they're really rich.
• 35:46
  Speaker 2: I don't think mum and dad actually had shares until
• 35:49
  Speaker 2: they inherited it. But then after that, when they got
• 35:52
  Speaker 2: that later in life, we're like, oh god, why weren't
• 35:54
  Speaker 2: we doing this sooner and started putting a little bit
• 35:56
  Speaker 2: of money aside for that. Yeah.
• 35:58
  Speaker 3: And then they passed that knowledge onto you, which is
• 36:00
  Speaker 3: so cool.
• 36:01
  Speaker 2: Yeah. And my granddad was always like, oh, you know,
• 36:03
  Speaker 2: make sure you're investing and I was like, oh yeah, yeah, okay,
• 36:06
  Speaker 2: sure whatever. And then years after he passed away, I
• 36:09
  Speaker 2: was like, oh my god, he was onto something here.
• 36:11
  Speaker 3: Yeah, like this guy was actually smart.
• 36:14
  Speaker 2: Yeah, and so yeah, I started with the cheers He's app,
• 36:18
  Speaker 2: which I love a door and yeah, just a little
• 36:21
  Speaker 2: bit by little bit and sort of learned the ropes
• 36:24
  Speaker 2: and then yeah, made a little bit and lost a
• 36:26
  Speaker 2: little bit and that's all part of the learning curve.
• 36:28
  Speaker 2: But yeah, at the moment, I've got about one and
• 36:31
  Speaker 2: a half thousand invested. That's so good.
• 36:35
  Speaker 3: And you only started in November last year. Yes, yeah,
• 36:38
  Speaker 3: she's going to be a rich woman. Guys, I'm so excited.
• 36:42
  Speaker 3: Let's flip the scription and talk about debt. You don't
• 36:45
  Speaker 3: have any bad debt, You've only got good debt. Yes,
• 36:47
  Speaker 3: can we rewind yeah to prior to debt? How much
• 36:51
  Speaker 3: did you pay for your house? What did that cost?
• 36:54
  Speaker 2: And look like so in October twenty twenty one, I
• 36:58
  Speaker 2: bought my three through one bathroom unit for four forty.
• 37:04
  Speaker 3: Four forty for three bedrooms. That is a good deal.
• 37:07
  Speaker 2: And like on paper it's listed as a unit, but
• 37:10
  Speaker 2: I would say it's a rubble large unit. Yeah, it's
• 37:13
  Speaker 2: probably more.
• 37:14
  Speaker 3: Like a take it like standalone or is it like duplex?
• 37:17
  Speaker 2: There's two on the block, but they are two separate buildings.
• 37:21
  Speaker 3: Oh, how good. And how much land ish do you have?
• 37:25
  Speaker 2: Oh? I don't actually know.
• 37:27
  Speaker 3: I don't know if you've got a backyard or is
• 37:29
  Speaker 3: it just like.
• 37:29
  Speaker 2: There is a little bit of a backyard. Yeah. Nice,
• 37:32
  Speaker 2: both units have got a little backyard.
• 37:34
  Speaker 3: So cute. So four forty and what type of deposit
• 37:37
  Speaker 3: did you have?
• 37:37
  Speaker 2: I had ten percent at the time.
• 37:40
  Speaker 3: And so then did you pay LM I or did
• 37:42
  Speaker 3: you get a waiver?
• 37:43
  Speaker 2: We used the Victorian first Home super Savor scheme or
• 37:48
  Speaker 2: whatever it was called.
• 37:48
  Speaker 3: Yeah, the first Homenos grant.
• 37:50
  Speaker 2: Yeah, it was a similar sort of one. I don't
• 37:52
  Speaker 2: think it was actually that one, but there was something
• 37:54
  Speaker 2: similar changed a bit twenty one. Yeah, but yeah, there
• 37:57
  Speaker 2: was something similar through the banks. So we're used to that.
• 38:00
  Speaker 2: And the government or you know, so called the government
• 38:03
  Speaker 2: had a percentage in my house, and I was like,
• 38:05
  Speaker 2: hang on, that doesn't sit right with me. If I
• 38:09
  Speaker 2: sell this tomorrow and make a million dollars, I mean hopefully,
• 38:12
  Speaker 2: but yeah, I don't want them to take a percentage
• 38:15
  Speaker 2: of that, because that obviously means that their percentage is
• 38:17
  Speaker 2: now high. So I was like, no, get stuff.
• 38:19
  Speaker 3: So I worked hard, honestly, fair, No, I get that's
• 38:23
  Speaker 3: actually my take at the movement.
• 38:26
  Speaker 2: So I worked hard to obviously put a little bit
• 38:28
  Speaker 2: more into that. And then since finishing, UNI really hustled
• 38:32
  Speaker 2: and like put aside extra money into an offset account
• 38:35
  Speaker 2: so that I could then pay out the government. I
• 38:38
  Speaker 2: suppose you'd say.
• 38:38
  Speaker 3: Yeah, so that got you in the day the bank.
• 38:41
  Speaker 2: Yeah, absolutely, And without that I probably wouldn't have got started.
• 38:44
  Speaker 3: Yeah, And like four point forty at the time probably
• 38:46
  Speaker 3: felt like, and don't get me wrong, it's an astronomical
• 38:49
  Speaker 3: amount of money, but probably felt like the most amount
• 38:51
  Speaker 3: of money you'd ever seen in your life, and that
• 38:53
  Speaker 3: was probably overwhelming. If you purchased that regionally in twenty
• 38:56
  Speaker 3: twenty one, I'm going to make a stab in the
• 38:59
  Speaker 3: dark and say it's probably increased in value significantly. What
• 39:01
  Speaker 3: is it worth now?
• 39:02
  Speaker 2: So I actually had it valued last week last week?
• 39:05
  Speaker 3: Oh, how perfect?
• 39:07
  Speaker 2: And so last week it was valued at five five
• 39:11
  Speaker 2: three Oh money win? How good?
• 39:14
  Speaker 3: And what have you got left on your mortgage?
• 39:16
  Speaker 2: I think there's about three thirty. I think for memory, Well,
• 39:20
  Speaker 2: that's nice. That feels comfortable.
• 39:22
  Speaker 3: I think that feels comfortable. Especially sorry, I think we're
• 39:25
  Speaker 3: also forgetting here. You are still at baby, you are
• 39:29
  Speaker 3: still a child. Yes, Oh how good. I'm so excited
• 39:33
  Speaker 3: for you. Is that something that feels really like natural?
• 39:37
  Speaker 3: Is it something that feels really overwhelming? Are you stressed
• 39:39
  Speaker 3: by your mortgage, like, especially with all the interest rate hikes?
• 39:43
  Speaker 3: I feel like it could be really stressful.
• 39:45
  Speaker 2: I think while I was at UNI that was definitely
• 39:48
  Speaker 2: very stressful because the interest rates only seem to go up,
• 39:52
  Speaker 2: and so my payments were going up and I was like,
• 39:53
  Speaker 2: oh my god, this is like yikes. But I think
• 39:57
  Speaker 2: because that was there was periods where I was earning
• 40:00
  Speaker 2: literally no money at all. But now that I've got
• 40:02
  Speaker 2: an income, and like a steady income every week because
• 40:05
  Speaker 2: I'm obviously not studying, yep, it's a lot more manageable.
• 40:09
  Speaker 2: And that I think because I have tried to pay
• 40:11
  Speaker 2: extra each pay if I'm able to, then it's always
• 40:15
  Speaker 2: like a little bit more reassuring that if the years
• 40:18
  Speaker 2: a week that I've been off sick or you know whatever,
• 40:20
  Speaker 2: that I haven't necessarily gotten paid. That is just that
• 40:23
  Speaker 2: option of just paying the minimum and I don't feel
• 40:26
  Speaker 2: like I'm behind.
• 40:27
  Speaker 3: Yeah, and what does that actually look like? So, like
• 40:30
  Speaker 3: what's your monthly mortgage or a payment?
• 40:32
  Speaker 2: So I think I usually pay it fortnightly and my
• 40:35
  Speaker 2: income can fluctuate depending on what shifts I do. The
• 40:38
  Speaker 2: required payments are about nine seventy I think for a
• 40:43
  Speaker 2: fortnight and I usually try and pay about thirteen hundred
• 40:46
  Speaker 2: if I can.
• 40:47
  Speaker 3: Oh, look at you go. So you're getting down that principle,
• 40:51
  Speaker 3: which is really really nice. That's honestly, that's what every
• 40:56
  Speaker 3: rent for regional Victoria, which by the way, has skyrocketed.
• 41:00
  Speaker 3: So like last time I checked the average regional rent
• 41:03
  Speaker 3: across Victoria with just over five hundred bucks a week. Yeah,
• 41:08
  Speaker 3: Like to me, that's astronomical, Like to me, I feel
• 41:10
  Speaker 3: like that's so rude, Like what do you mean five
• 41:14
  Speaker 3: hundred dollars a week to live regionally? That's not even
• 41:17
  Speaker 3: like Melbourne, that's not even that convenient to be honest.
• 41:22
  Speaker 2: Yeah, Well, part of my evaluation last week was also
• 41:25
  Speaker 2: rental income and they said for eighty which I was like,
• 41:28
  Speaker 2: for a unit, Oh my god, like that's who's paying that?
• 41:31
  Speaker 2: But realistically that's probably really cheap.
• 41:34
  Speaker 3: Yeah, I mean I think that's relatively reasonably priced. But
• 41:38
  Speaker 3: I also just go to me, that's astronomical because our
• 41:43
  Speaker 3: incomes are not keeping up with the inflation in how
• 41:46
  Speaker 3: much rent is. Like, I just I have so much
• 41:48
  Speaker 3: to say on that topic, and we'll leave it there,
• 41:50
  Speaker 3: because you guys know that I would go on and
• 41:52
  Speaker 3: on and on about it. But that makes me feel
• 41:55
  Speaker 3: really good. And you said that you had purchased your
• 41:58
  Speaker 3: first car all by yourself, so you've never been in
• 42:00
  Speaker 3: car debt or any other type of debt. No, yeah,
• 42:03
  Speaker 3: and icon't.
• 42:04
  Speaker 2: Yes. And I did upgrade my first car when I
• 42:09
  Speaker 2: purchased my first car. And then when I found out
• 42:12
  Speaker 2: that Tafe was actually going to be discounted, I was like,
• 42:15
  Speaker 2: oh my god, but I've saved up all this money,
• 42:17
  Speaker 2: what do you mean? And I didn't want it to
• 42:19
  Speaker 2: just sit there and look pretty. I was saying, oh, well,
• 42:21
  Speaker 2: I want something to show for this. So I did
• 42:23
  Speaker 2: actually go on upgrade my car, which was still a
• 42:25
  Speaker 2: secondhand car, but by the time I got my license,
• 42:28
  Speaker 2: I was actually already onto my second car.
• 42:31
  Speaker 3: What does an upgraded car look like? Though? Are we talking?
• 42:35
  Speaker 3: You went from buying a second hand nineteen eighty eight
• 42:39
  Speaker 3: Corolla to a nineteen eighty nine or like, how much
• 42:42
  Speaker 3: will we spending on the car?
• 42:44
  Speaker 2: So my first car was a I want to say,
• 42:47
  Speaker 2: two thousand and five Ford Focus, like a little hatchback
• 42:51
  Speaker 2: yep sick car.
• 42:52
  Speaker 3: And then genuinely like, that's such a good little get around,
• 42:55
  Speaker 3: really economical on fuel, and I feel like Ford's a
• 42:58
  Speaker 3: cheap to like service maintain.
• 43:00
  Speaker 2: Yeah, And so I started with that, and it was
• 43:03
  Speaker 2: a manual, which hardly anyone back then was open to
• 43:07
  Speaker 2: driving a manual. So I was like, oh, I feel
• 43:09
  Speaker 2: like it's going to be really difficult to sell, but
• 43:11
  Speaker 2: I actually had no issue selling it. And then I
• 43:14
  Speaker 2: purchased a twenty thirteen Nissan Jules little suv, and so
• 43:22
  Speaker 2: I had that by the time I actually started driving,
• 43:25
  Speaker 2: like on my PA plates, that's what I was driving,
• 43:28
  Speaker 2: and then had a bit of a money win. Later
• 43:30
  Speaker 2: on in life, when I was living in Melbourne, my
• 43:34
  Speaker 2: nana was unwell and needed oxygen and things like that.
• 43:37
  Speaker 2: And she's like, I don't feel safe driving. I think
• 43:39
  Speaker 2: I'm going to hand in my license. And so I
• 43:41
  Speaker 2: was like, oh really, and she's like, yep, it's not
• 43:44
  Speaker 2: for me anymore. I just don't fill up to it.
• 43:45
  Speaker 2: Your granddad can drive me around. So she was selling
• 43:47
  Speaker 2: her car and so I actually purchased that off them
• 43:50
  Speaker 2: for the trade, which was really good. And because Nana
• 43:53
  Speaker 2: had only driven to you know, Bullies and back, so
• 43:56
  Speaker 2: it had hardly any kilometers.
• 43:57
  Speaker 3: I feel like old people and their cars, like as
• 43:59
  Speaker 3: my dad would say, it was a good get around.
• 44:01
  Speaker 3: It only went to church on Sundays.
• 44:03
  Speaker 2: Yeah.
• 44:03
  Speaker 3: Perfect.
• 44:04
  Speaker 2: Yeah, So that was a massive money win for me.
• 44:06
  Speaker 2: So that's what I'm driving currently. But yes, definitely a
• 44:10
  Speaker 2: money win for me. Yeah.
• 44:11
  Speaker 3: But also sorry, you worked your way up and you
• 44:14
  Speaker 3: only made smart money decisions when it came to cars,
• 44:16
  Speaker 3: Like so many people might have gone, oh my gosh,
• 44:19
  Speaker 3: I have all of this extra money, I'm just going
• 44:21
  Speaker 3: to blow it. Okay, that happens to the best of us. Now,
• 44:25
  Speaker 3: personal insurances. You've got a mortgage, you do have a
• 44:28
  Speaker 3: very hands on career. What have you done about your
• 44:31
  Speaker 3: personal insurances?
• 44:32
  Speaker 2: So I don't have personal insurance at the moment, but
• 44:34
  Speaker 2: it's in the winds. I contacted Disco Wealth and they are,
• 44:38
  Speaker 2: oh you did, I did. Yes.
• 44:40
  Speaker 3: The colt is getting cultier.
• 44:42
  Speaker 2: It is. It's very addictive. It's definitely in the winds
• 44:46
  Speaker 2: there finding me something at the moment. How good.
• 44:50
  Speaker 3: I know it sounds so funny or it sounds so
• 44:52
  Speaker 3: funny to me when I hear people use the brands
• 44:55
  Speaker 3: that I recommend and go, please go do this, But
• 44:59
  Speaker 3: it makes me feel so good because I just know
• 45:01
  Speaker 3: you're going to be safe. I'm just like, Okay, this queen,
• 45:04
  Speaker 3: if anything happens to her, she can message me and
• 45:06
  Speaker 3: be like they I'm all right. I'll be like, yes,
• 45:09
  Speaker 3: the best all right. Moving on from that, I want
• 45:12
  Speaker 3: to know what's your best money habit or is it
• 45:14
  Speaker 3: just literally everything?
• 45:15
  Speaker 2: Oh? I think I'm known in my family to be
• 45:19
  Speaker 2: a bit of a tight ass, and so I think
• 45:22
  Speaker 2: things that other people would invest money in, I kind
• 45:25
  Speaker 2: of think, oh, that seems so silly, why would you
• 45:28
  Speaker 2: do that? So things like bed sheets. My nana had
• 45:31
  Speaker 2: a massive thing for bed sheets, and she would spend
• 45:33
  Speaker 2: thousands of dollars on bed sheets. And I'm like, but
• 45:35
  Speaker 2: you're only going to sleep in it. No one's going
• 45:37
  Speaker 2: to see that, So I'll go to kmart happily and
• 45:40
  Speaker 2: buy my bed sheets.
• 45:42
  Speaker 3: Okay, okay, you and I not too different in terms
• 45:46
  Speaker 3: of mindset, but when it comes to sheets, like you
• 45:49
  Speaker 3: can come lay in my bed and you tell me,
• 45:51
  Speaker 3: you tell me because it's different, I promise.
• 45:55
  Speaker 2: But yeah, I think definitely that like things that I
• 45:59
  Speaker 2: would skimp on, I suppose you to say other people
• 46:02
  Speaker 2: may not necessarily. But then also my points systems. I'm
• 46:05
  Speaker 2: always my partner's so sick and hearing about what's got
• 46:07
  Speaker 2: points this week and what doesn't.
• 46:08
  Speaker 3: So we'll just message me. I'll listen. I'm here, So
• 46:12
  Speaker 3: tell me what do you think. I'm not going to
• 46:14
  Speaker 3: ask your worst money habit yet, but I want to
• 46:16
  Speaker 3: know what would you splurge on then, Like, if it's
• 46:18
  Speaker 3: not bed sheets, what is that.
• 46:20
  Speaker 2: I do have a bit of a house plant addiction
• 46:22
  Speaker 2: that there has been discussions with my partner that when
• 46:25
  Speaker 2: we move in together, I will have to downside my
• 46:28
  Speaker 2: houseplant collections, and that upsets me.
• 46:31
  Speaker 3: I don't think that that's necessary because you know what, mate,
• 46:35
  Speaker 3: we don't have to live together.
• 46:38
  Speaker 2: But yeah, probably houseplants, Oh my god, that's probably something
• 46:41
  Speaker 2: that I.
• 46:42
  Speaker 3: People are listening going houseplants.
• 46:44
  Speaker 2: That's not a thing.
• 46:45
  Speaker 3: Houseplants, when you fall down that slippery slope, they can
• 46:49
  Speaker 3: get expensive. Are you into the exotic houseplants?
• 46:52
  Speaker 2: Now?
• 46:52
  Speaker 3: Is that what we're talking about here?
• 46:54
  Speaker 2: All right? I certainly wouldn't say they're exotic, but they
• 46:57
  Speaker 2: excite me and I love to talk about them. But
• 47:00
  Speaker 2: people are just saying, oh, okay, No, I also like to.
• 47:02
  Speaker 3: Talk about my post about them on my story is
• 47:04
  Speaker 3: quite regularly. I am not sorry. What's your worst money habit?
• 47:08
  Speaker 2: My worst money habit is probably I mean, I wouldn't
• 47:12
  Speaker 2: say it's a bad money habit, but I'm a sucker
• 47:15
  Speaker 2: for fruit and veggies, and fruit and veggies are so expensive,
• 47:18
  Speaker 2: so I will spend hundreds of dollars on my food shop.
• 47:22
  Speaker 2: But it's because of my fruit and veges. But I
• 47:26
  Speaker 2: don't think.
• 47:27
  Speaker 3: That's the worst if you're being really reasonable everywhere else,
• 47:30
  Speaker 3: like also astronomical, Like I was at the supermarket the
• 47:34
  Speaker 3: other day, What do you mean a punnet of blueberries
• 47:37
  Speaker 3: is nine dollars?
• 47:38
  Speaker 2: Yeah?
• 47:39
  Speaker 3: No, that that's actually taking the mickey, like that's that
• 47:43
  Speaker 3: has to be a joke. Like, do not get me wrong.
• 47:45
  Speaker 3: I don't want to hear it. Like, I know that,
• 47:48
  Speaker 3: you know they're Australian andwa're supporting Australian farmers all of that.
• 47:51
  Speaker 3: I totally get it. That's not the thing I'm arguing.
• 47:54
  Speaker 3: I'm arguing, what the hell is wrong with our economy? Yeah,
• 47:57
  Speaker 3: and the answer actually comes back to fuel. I know
• 48:00
  Speaker 3: the answer, but I don't like it.
• 48:02
  Speaker 2: Yes, it definitely adds up very quickly. We spend more
• 48:05
  Speaker 2: on food than we don'tant bills. It's ridiculous.
• 48:07
  Speaker 3: Yeah, I mean ridiculous, but it sounds like you're eating wells,
• 48:10
  Speaker 3: so like I'm mad, but like not mad.
• 48:12
  Speaker 2: Yes, And that's why I think it's a bit of
• 48:14
  Speaker 2: a weird money habit, because like you know, my health
• 48:16
  Speaker 2: is thanking me, but my purse is not.
• 48:19
  Speaker 3: No, I get it. I get it. At the start
• 48:22
  Speaker 3: of this episode, you said, V I think I'm a
• 48:24
  Speaker 3: B minus. Where where is the B minus? I'm not
• 48:28
  Speaker 3: going to argue with you, because I don't think that's
• 48:30
  Speaker 3: very nice. But what I will do is ask you
• 48:32
  Speaker 3: what it would take to get to an A. Because
• 48:35
  Speaker 3: you're investing, you have a mortgage, you seem to have
• 48:37
  Speaker 3: your head screwed on. You've got really good money habits,
• 48:40
  Speaker 3: like girl, you couldn't really think of a worse money
• 48:42
  Speaker 3: habit yet with B minus. Come on, where are we?
• 48:46
  Speaker 3: What would it take to get to an A?
• 48:47
  Speaker 2: I think if I was to be an A, it
• 48:49
  Speaker 2: would definitely be smarter money decisions, Like I still make
• 48:55
  Speaker 2: some cold ones at the moment, but there's definitely better
• 48:58
  Speaker 2: ones to make, and so I think things like that
• 49:01
  Speaker 2: would probably make me not feel like I'm stretching my
• 49:04
  Speaker 2: money as far all right, Like, I'm going to allow it.
• 49:07
  Speaker 3: Just because I think that if you've decided, that's what
• 49:10
  Speaker 3: it is, and upon reflection, you haven't decided, or i'd
• 49:12
  Speaker 3: scrap that I'm changing my grade. I'll go with it.
• 49:16
  Speaker 3: I do think you're better than you think you are,
• 49:18
  Speaker 3: but that is okay, and we can argue about that
• 49:20
  Speaker 3: in my Instagram DM Slater Okay, money, darist, it has
• 49:24
  Speaker 3: been a pleasure. You are literally just so cool. What
• 49:27
  Speaker 3: do you mean You are twenty five and have achieved
• 49:29
  Speaker 3: all of this. I feel like you are internally maybe
• 49:33
  Speaker 3: thirty five in the best possible way. Like, as I
• 49:37
  Speaker 3: said at the start of this episode, you've been here before,
• 49:39
  Speaker 3: and that is a very good thing. She's clocked the
• 49:42
  Speaker 3: world once, since she's about.
• 49:43
  Speaker 2: To do it again. WHI is it than my age? Yes?
• 49:46
  Speaker 3: Yes, like she's a wise soul. I love it money, Darrist,
• 49:49
  Speaker 3: It's been a pleasure. Thank you so much for sharing
• 49:51
  Speaker 3: so much of your story and all the pervy bits
• 49:53
  Speaker 3: with our community, because I know that they will love
• 49:55
  Speaker 3: it just as much as I have.
• 49:57
  Speaker 2: Thanks for having me.
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• 50:05
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• 50:09
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