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She Was Told She’d Never Make It. 200 Rejections Later, She Proved Them Wrong. · She's On The Money

• 0:00
  Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations
• 0:03
  Speaker 1: woman and I'm here to acknowledge country t Glenn Young
• 0:07
  Speaker 1: Ganya Niana, Kaka yah Ya bin Ahaka nian Ar gay
• 0:11
  Speaker 1: In Mbina yakarum jar dominyamiga Umagahawakawaman damon imlan Bumba bang
• 0:17
  Speaker 1: Gadabomba in and now in wakah ghana on yakraum jar Watnadaa. Hello,
• 0:22
  Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
• 0:26
  Speaker 1: We thank acknowledge and respect the Aberiginal people's land that
• 0:29
  Speaker 1: we're gathering on today. Take pleasure in all the land
• 0:32
  Speaker 1: and respect all that you see. She's on the Money
• 0:35
  Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
• 0:42
  Speaker 1: knowledge and resources for you to thrive.
• 0:45
  Speaker 2: She's on the Money. She's on the Money.
• 1:08
  Speaker 3: Hello, and welcome to She's on the Money, the podcast
• 1:11
  Speaker 3: that lets you be pervy about other people's money situations.
• 1:14
  Speaker 4: For educational purposes of course. Welcome back to another one
• 1:18
  Speaker 4: of our Money.
• 1:18
  Speaker 3: Daries episodes where I get the absolute pleasure of sitting
• 1:21
  Speaker 3: down and having a chat with one of our beautiful
• 1:24
  Speaker 3: community members all about their journey. Let's jump straight into it,
• 1:28
  Speaker 3: because we got a message this week and it sounded
• 1:30
  Speaker 3: exactly like this, dear, she's on the money. I went
• 1:35
  Speaker 3: from being a small town country kid where there were
• 1:37
  Speaker 3: only eight people in my year in primary school to
• 1:40
  Speaker 3: being a big tael lawyer who is finding her feet
• 1:43
  Speaker 3: financially after applying for two hundred jobs to get.
• 1:48
  Speaker 4: My first law job.
• 1:49
  Speaker 3: I have savings and investments for the first time, and
• 1:52
  Speaker 3: I no longer spend every single cent on random items,
• 1:56
  Speaker 3: and of course I have big career goals too. My
• 1:59
  Speaker 3: money story is and I would love to share it
• 2:01
  Speaker 3: with the community. Money Diarist, Welcome to the show.
• 2:05
  Speaker 2: Thank you for having me.
• 2:07
  Speaker 3: I'm very excited. People aren't going to know this, but
• 2:10
  Speaker 3: I saw your name out producer book to you because
• 2:12
  Speaker 3: you obviously had a great story. And then I saw
• 2:13
  Speaker 3: your name and I'm like, hey, we're internet friends, like
• 2:16
  Speaker 3: we talk in my DMS all the time, and I
• 2:18
  Speaker 3: was like kind of low key excited because you've messaged
• 2:21
  Speaker 3: me along this career journey of yours.
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  Speaker 4: Being like, Hey, what should I do here or what
• 2:25
  Speaker 4: does this look like?
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  Speaker 3: And I think we've bonded over it, so I'm excited
• 2:28
  Speaker 3: that you've come out of my dms and now you're
• 2:30
  Speaker 3: on my show, Like this is so exciting.
• 2:33
  Speaker 2: The way I squealed when immering me, I was like,
• 2:37
  Speaker 2: no way. And then I've told literally everyone.
• 2:42
  Speaker 4: It's a good story.
• 2:44
  Speaker 3: And it's one of those things where like I'm obviously
• 2:47
  Speaker 3: quite active on socials, but I'm also very active in
• 2:49
  Speaker 3: my dms, Like I love having a yap with my community,
• 2:52
  Speaker 3: Like it's not you know, I just post random stories
• 2:54
  Speaker 3: and then don't reply to you, like if you ask
• 2:57
  Speaker 3: me a career question, I'm like, all right, sit down, babe.
• 2:58
  Speaker 3: So my thoughts are I have been known to send
• 3:02
  Speaker 3: voice notes, I send like attachments, I'll find links on
• 3:06
  Speaker 3: the internet for you, Like I just think we're besties
• 3:08
  Speaker 3: that haven't met yet, and so I think we became
• 3:12
  Speaker 3: like that, and you would ask me all these career questions,
• 3:14
  Speaker 3: and I remember always saying, like, girl, this is so common.
• 3:17
  Speaker 4: Stop stressing.
• 3:18
  Speaker 3: And so now I'm glad that we're talking about this
• 3:20
  Speaker 3: on the podcast because I'm hoping that those dms become
• 3:24
  Speaker 3: an episode that help other people feel confident going through this,
• 3:28
  Speaker 3: because it can be heartbreaking to be like I applied
• 3:31
  Speaker 3: for two hundred jobs like so many people would have
• 3:34
  Speaker 3: given up before then.
• 3:35
  Speaker 2: Right, Yeah, I am definitely known for my grit end
• 3:39
  Speaker 2: my never giving up. But if I could just even
• 3:43
  Speaker 2: help one baby, lawere, just know that it's so common,
• 3:48
  Speaker 2: you will. I love it.
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  Speaker 3: So our friend from across the Ditch is on the
• 3:52
  Speaker 3: show now to give us a lot of confidence. But
• 3:54
  Speaker 3: before we get there, and before I dive further into
• 3:56
  Speaker 3: your story, my Nita Aust, I need to know what
• 3:59
  Speaker 3: grade'd you grade your habits from A three to F
• 4:02
  Speaker 3: If I forced you to give them a grade.
• 4:04
  Speaker 2: I would give myself either an A minus or a
• 4:07
  Speaker 2: B plus. Considering where I've come from, I'm definitely reckon.
• 4:10
  Speaker 2: I'd be about an ANS B plus good of range.
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  Speaker 3: I'm very excited to learn more about this. I know
• 4:17
  Speaker 3: a little bit about you, but now's your time to shine.
• 4:19
  Speaker 4: Tell me. Tell me a little bit more about your
• 4:22
  Speaker 4: money story.
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  Speaker 2: So I grew up in a very small town North
• 4:27
  Speaker 2: y Keatto, much like what my money story. See if
• 4:30
  Speaker 2: here was eight of us in my class. So when
• 4:33
  Speaker 2: I started having big city dreams, it was you're not
• 4:38
  Speaker 2: good enough, you won't make it. Tall poppy syndrome was
• 4:41
  Speaker 2: rife that kind of thing, and I grew up in
• 4:45
  Speaker 2: a i'd say probably middle class sort of household. We
• 4:50
  Speaker 2: weren't riding the poverty line, but we also weren't going
• 4:55
  Speaker 2: on yearly holidays. We weren't splurging on big items and
• 5:00
  Speaker 2: that kind of thing. Money was never really talked about either,
• 5:03
  Speaker 2: So I would pick up on signals from my parents,
• 5:10
  Speaker 2: and I knew that money was tight, but it wasn't
• 5:15
  Speaker 2: talked about still. And then I moved from the Northway
• 5:22
  Speaker 2: Heado to chrish It with five hundred dollars to my
• 5:25
  Speaker 2: name and a dream of somehow I'm going to make it.
• 5:30
  Speaker 2: I don't know how, I don't know when, but I will.
• 5:33
  Speaker 2: I started a Bachelor of Law after working out that
• 5:39
  Speaker 2: law is a lot easier than forensic science. Oh yeah.
• 5:44
  Speaker 2: I was doing chemistry papers and not doing very good.
• 5:47
  Speaker 2: But my law papers I just found so much easier.
• 5:51
  Speaker 2: I don't know how that makes sense, but it does
• 5:53
  Speaker 2: for me.
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  Speaker 3: What do you mean it doesn't like that makes a
• 5:56
  Speaker 3: lot of sense, Like you just have an area that
• 5:58
  Speaker 3: you flourish here. Yeah, it's like some people they're like, girl,
• 6:01
  Speaker 3: I couldn't do financial management, what the hell? But I'm
• 6:04
  Speaker 3: actually really good at marketing and economics, like we all
• 6:07
  Speaker 3: just have something that somehow just makes sense to the
• 6:10
  Speaker 3: way that our brain is wired.
• 6:12
  Speaker 2: Had just clicked and off I went. In the end.
• 6:16
  Speaker 2: During my four years at Yoni, I dealt with my
• 6:20
  Speaker 2: dad being terminally ill. As you know, he's from our Deans.
• 6:25
  Speaker 2: He's going down hellative care end of life at the moment,
• 6:29
  Speaker 2: which is really sad and hard, but unfortunately it is
• 6:32
  Speaker 2: the way of life. My ex fiance was in a
• 6:36
  Speaker 2: motorcycle accident and almost died, and I set exams on
• 6:39
  Speaker 2: the hospital.
• 6:40
  Speaker 3: For you literally cannot say that you're not committed to
• 6:43
  Speaker 3: your studies or your career, like no knowing you in
• 6:46
  Speaker 3: the background, like this woman, holy gockamole, Like she's told
• 6:51
  Speaker 3: me so much about it, which I'm so grateful for,
• 6:52
  Speaker 3: but I'm just like, sorry, what do you know what
• 6:56
  Speaker 3: I would have been doing trying to get an exemption,
• 6:58
  Speaker 3: like trying to get out of it, like not doing it.
• 7:01
  Speaker 3: And you're like, oh no, Like I could do it
• 7:02
  Speaker 3: on the hospital floor, that's fine. I was like, is
• 7:06
  Speaker 3: that even an option?
• 7:07
  Speaker 2: You just your make though, And I attribute the way
• 7:11
  Speaker 2: I am to my mother. When I was in high school,
• 7:14
  Speaker 2: my dad had a workplace accident and slipped into depression,
• 7:20
  Speaker 2: in a very very bad depression. So my mum became
• 7:24
  Speaker 2: a single mum. Well dad was there, but she took
• 7:28
  Speaker 2: over the reins of e briefing and I think I
• 7:31
  Speaker 2: only ever saw her breakdown maybe twice that entire time.
• 7:35
  Speaker 2: And during that time, I was the feral teenage daughter
• 7:40
  Speaker 2: and she had my two sisters to deal with at
• 7:42
  Speaker 2: the same time. And I think watching her strength is
• 7:46
  Speaker 2: what gave me my strength to be like ohnh that's
• 7:49
  Speaker 2: just the way I life. And then I got my
• 7:53
  Speaker 2: law degree, which is probably one of the most exciting
• 7:56
  Speaker 2: days of my life.
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  Speaker 4: You're from a small town.
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  Speaker 3: I didn't ask before, but what did your parents do, Like,
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  Speaker 3: was this something where they had higher education as well,
• 8:04
  Speaker 3: or are you like one of the first in the
• 8:06
  Speaker 3: family to go through that journey.
• 8:08
  Speaker 2: I'm one of the first in the family.
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  Speaker 4: That's so sick, isn't it.
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  Speaker 2: My mum was a horse trainer growing up, and then
• 8:16
  Speaker 2: she moved into dairy farming and that kind of thing
• 8:20
  Speaker 2: as a kid. My dad did dairy farming and truck driving,
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  Speaker 2: and then he had his accident and didn't work for
• 8:27
  Speaker 2: ten plus years, and then he ended up working for
• 8:33
  Speaker 2: a government role and has only recently retired in the
• 8:37
  Speaker 2: last four years.
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  Speaker 4: I hate so.
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  Speaker 2: Yeah, I'm the first one to go to UNI, the
• 8:43
  Speaker 2: first one to get a big girl degree, and it
• 8:46
  Speaker 2: was definitely the biggest middle finger to everyone that I
• 8:50
  Speaker 2: grew up with that said you wouldn't amount to anything.
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  Speaker 4: And did your parents love that?
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  Speaker 3: Because like, I just I know my parents were really
• 8:57
  Speaker 3: proud of me, and like, I went through that journey,
• 9:00
  Speaker 3: but I didn't face nearly as much adversity.
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  Speaker 4: Were they like jumping for joy? Because I just would
• 9:05
  Speaker 4: have been like, yeah, that's my daughter. She's gonna be
• 9:06
  Speaker 4: a lawyer, Like, ah, how cool.
• 9:09
  Speaker 2: Yeah, that was definitely my parents. The day I graduated,
• 9:13
  Speaker 2: I was dancing in the car park in my sixteen
• 9:16
  Speaker 2: hundred dollars Valentino rock duds.
• 9:18
  Speaker 4: Yeah, yeah, I love this for you so much.
• 9:24
  Speaker 2: And then yes, I got my law degree. I then
• 9:30
  Speaker 2: was teaching and dairy farming to bring money in because
• 9:34
  Speaker 2: those don't stop.
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  Speaker 3: No, that's crazy, rude. I didn't you just show them
• 9:38
  Speaker 3: your degree and they just waved away bills?
• 9:40
  Speaker 2: No, unfortunately not. I did try that. Yeah, and I
• 9:43
  Speaker 2: was applying for job after job after job from I
• 9:48
  Speaker 2: think didn't need in right up to Auckland, including my hometown.
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  Speaker 2: Despite the fake I said.
• 9:54
  Speaker 4: I'd need a return, but like I would for a
• 9:56
  Speaker 4: good job.
• 9:57
  Speaker 2: Yeah, and I given a chance in South Canterbury, and
• 10:04
  Speaker 2: me and my partner went from living together and working
• 10:08
  Speaker 2: together to not living together and not working together and
• 10:11
  Speaker 2: going long distance. And now I get to be grace
• 10:15
  Speaker 2: with my presence again because I'm moving back.
• 10:17
  Speaker 3: Absolutely talk to me about You said that your ex
• 10:20
  Speaker 3: fiance was in a motorcycle accident, nearly died. You did
• 10:24
  Speaker 3: your exams on the hospital floor. What happened there with
• 10:28
  Speaker 3: that relationship was us another spanner in the works before
• 10:31
  Speaker 3: meeting the one that you are going to marry.
• 10:34
  Speaker 2: So we met just before I moved to christ Itch
• 10:37
  Speaker 2: and he moved down with me, and it was all
• 10:43
  Speaker 2: well and good. The relationship was just popping along as
• 10:46
  Speaker 2: it does. I don't think his sister or his mother
• 10:50
  Speaker 2: liked me very much.
• 10:51
  Speaker 4: They've just got terrible taste. It's fine.
• 10:53
  Speaker 2: And then he crashed one of my cars. I didn't
• 10:56
  Speaker 2: think much of it. And then he had a motorcycle
• 11:01
  Speaker 2: accident one morning on his way to work, and he
• 11:05
  Speaker 2: had one of the worst open book pubt fractures that
• 11:08
  Speaker 2: his doctors had ever seen. Oh god, basically yeah, absolutely harrafic.
• 11:14
  Speaker 2: He had to learn how to rewalk, He had to learn,
• 11:17
  Speaker 2: like relearn everything. And the accident itself wasn't exactly the
• 11:22
  Speaker 2: beginning of the end, but it was his attitude towards
• 11:27
  Speaker 2: at all. So I very vividly remember the day of
• 11:31
  Speaker 2: the accident. His phone was smashed, so I let him
• 11:34
  Speaker 2: borrow mine to talk to his mum, and at the
• 11:36
  Speaker 2: same time he was looking on trade me to buy
• 11:38
  Speaker 2: a new bike, and I was like, you almost died.
• 11:42
  Speaker 4: Can we not do this right now?
• 11:44
  Speaker 2: Can you take five seconds to be like, holy shit,
• 11:48
  Speaker 2: this has just happened. And then he crashed a second
• 11:53
  Speaker 2: car of mine, which was my first adult car that
• 11:57
  Speaker 2: I had managed to buy myself, And that was sort
• 12:01
  Speaker 2: of the beginning of the end. And I very vividly
• 12:05
  Speaker 2: remember paying for the deposit for the celebrant and I
• 12:10
  Speaker 2: had my drinks and everything at this point in time,
• 12:12
  Speaker 2: and my gap just going you and making a mistake,
• 12:15
  Speaker 2: do not do this. And it was then and there
• 12:18
  Speaker 2: that I was like, now I'm done.
• 12:19
  Speaker 3: There was just something that you were like this like,
• 12:22
  Speaker 3: because it's not about the accidents and I know that
• 12:25
  Speaker 3: what you've said, and I'm just trying to read between
• 12:27
  Speaker 3: the lines here a little bit. I know what you've
• 12:29
  Speaker 3: said is like, you know, he crashed my car, So
• 12:31
  Speaker 3: like if my husband crashed my car, I feel like
• 12:33
  Speaker 3: my attitude is going to be very different because I'd
• 12:35
  Speaker 3: be like, holy shit, like you're my husband and I'm
• 12:36
  Speaker 3: obsessed with you and like, you know, but I'm assuming
• 12:39
  Speaker 3: that it wasn't that he crushed your car. It was
• 12:41
  Speaker 3: probably the attitude around the entitlement of crashing.
• 12:45
  Speaker 4: Your car and how that worked and all, like is
• 12:48
  Speaker 4: that right?
• 12:49
  Speaker 3: If I'm reading between those lines that it wasn't like
• 12:51
  Speaker 3: that he crushed your car, because I feel like if
• 12:53
  Speaker 3: I crashed your car, you'd be like, oh my god,
• 12:55
  Speaker 3: the like what happened?
• 12:56
  Speaker 4: Are you okay?
• 12:57
  Speaker 3: Like let's get through insurance and we'd work it out.
• 13:00
  Speaker 3: I wouldn't stop being my friend I crushed your car.
• 13:03
  Speaker 3: So is that the right pathway that my brain is
• 13:07
  Speaker 3: going down?
• 13:08
  Speaker 2: Definitely the entitlement. I'm trying really hard not to because
• 13:11
  Speaker 2: he's not a bad guy. It's just his attitude was.
• 13:14
  Speaker 4: Just you're anonymous right now, so you could trash this
• 13:17
  Speaker 4: man and I would allow it.
• 13:19
  Speaker 3: But I think it's important because it's interesting and I'm
• 13:23
  Speaker 3: just stepping aside. Maybe this is a little side quest conversation. Obviously,
• 13:26
  Speaker 3: I've got shees on the Money, and you listen to
• 13:28
  Speaker 3: this stuff because you want financial literacy, and you're so
• 13:31
  Speaker 3: interested in people's money stories, but intertwined into our money stories,
• 13:36
  Speaker 3: our life journey and our life stories. And I've just
• 13:38
  Speaker 3: had so many messages historically of people saying, oh my god,
• 13:42
  Speaker 3: like I worked out that I didn't and this is
• 13:44
  Speaker 3: so sad, but I worked out that I didn't want
• 13:46
  Speaker 3: to be with my husband anymore. I didn't want to
• 13:47
  Speaker 3: be my person anymore because this money darist was talking
• 13:50
  Speaker 3: about what their partner was saying and how their partner
• 13:53
  Speaker 3: was treating them, and I was like, you shouldn't put
• 13:54
  Speaker 3: up with that, And then I realized I was putting
• 13:56
  Speaker 3: up with that. I was like, oh my god, awful.
• 13:58
  Speaker 3: But I think it's so important that when we talk
• 14:00
  Speaker 3: about these money stories, we're intertwining real life events and like,
• 14:04
  Speaker 3: you know, a little bit more context so that we
• 14:06
  Speaker 3: can genuinely learn, which is one of the reasons why
• 14:09
  Speaker 3: I love that they're anonymous.
• 14:10
  Speaker 4: Yeah, because you.
• 14:11
  Speaker 3: Could be like this guy cheated on me, did this,
• 14:14
  Speaker 3: did that, And you know, I want the goss, so
• 14:16
  Speaker 3: I want the juice. And yes, we're not going to
• 14:18
  Speaker 3: trash talk somebody that you don't want a trash talk.
• 14:20
  Speaker 3: But I also think it's like, let's read between the
• 14:22
  Speaker 3: lines here a little bit. There clearly was something more
• 14:24
  Speaker 3: than oh, he just crashed my car. So I broke
• 14:26
  Speaker 3: up with him going on because I wouldn't want someone
• 14:29
  Speaker 3: to listen to that and just pragmatically go, well that's
• 14:32
  Speaker 3: what she said.
• 14:33
  Speaker 2: So no. So he was so blase about the fact
• 14:38
  Speaker 2: that he had crashed two of the three cars owned,
• 14:42
  Speaker 2: and his attitude was the bike accident where he almost died.
• 14:48
  Speaker 2: And I was at the hospital eight am to eight
• 14:51
  Speaker 2: pm every day with him, helping him learn how to
• 14:55
  Speaker 2: free walk, deal with the hospital, the said and the
• 14:59
  Speaker 2: next thing, and then his mum would swoop and take
• 15:03
  Speaker 2: over and he'd be so grateful for her, But at
• 15:06
  Speaker 2: the end of the day, it was like, Okay, I'm
• 15:08
  Speaker 2: the one putting everything.
• 15:10
  Speaker 4: On whole being taken for granted here, what.
• 15:13
  Speaker 2: The actual hell is going on? I was there so
• 15:16
  Speaker 2: often that some of the very lovely nurses would actually
• 15:20
  Speaker 2: order me dinner as well. They were brilliant. They were
• 15:23
  Speaker 2: probably the people that got me through. But yeah, I
• 15:26
  Speaker 2: couldn't deal with the attitude. And no matter how much
• 15:29
  Speaker 2: I asked for counseling, this, that, and the next thing
• 15:33
  Speaker 2: to work through it, he just didn't care until I
• 15:36
  Speaker 2: told him I was done. And then he was like, Oh,
• 15:38
  Speaker 2: go to counseling. I'll do this, I'll do that.
• 15:39
  Speaker 4: I'm like, no, I'm too late.
• 15:41
  Speaker 2: I've been asking you that for six months. I'm done. Fair.
• 15:44
  Speaker 4: So then you met the love of your life? Yes,
• 15:48
  Speaker 4: and how did you meet them?
• 15:49
  Speaker 2: So? I coached his little brother's football team, and it's
• 15:53
  Speaker 2: definitely a meet care. Yes, I coached his little brother's
• 15:55
  Speaker 2: football team, and his little brother was at boarding school
• 15:59
  Speaker 2: and their parents had gone overseas, and I needed to
• 16:04
  Speaker 2: pick I'll call him Pip Squeak because that's his nickname,
• 16:06
  Speaker 2: and there's only a handful of people that know that
• 16:08
  Speaker 2: I call him. I picked Pip Squeak up from his brother.
• 16:13
  Speaker 4: That's such a key we nickname. I'm loving this.
• 16:15
  Speaker 2: I call him Pip Squeak because when I met him,
• 16:17
  Speaker 2: he was shorter than I am. Now I have to
• 16:19
  Speaker 2: look up and not finished growing yet. So he's going
• 16:23
  Speaker 2: through so much taller than what he is. So yeah,
• 16:26
  Speaker 2: I picked Pip Squeak up from my now partner and
• 16:31
  Speaker 2: that afternoon I was like, I was sitting here, I
• 16:32
  Speaker 2: was thinking. I was like, huh, he's kind of cute.
• 16:35
  Speaker 2: I just continued a conversation.
• 16:37
  Speaker 4: You got a cute brother? Nice?
• 16:39
  Speaker 2: Yeah, and he thought similar and he shot his shot.
• 16:43
  Speaker 2: I was like, ah, if you want me to repay
• 16:46
  Speaker 2: the coffee favor, just you know, because I had brought
• 16:49
  Speaker 2: him a coffee that morning, just to be nice because
• 16:51
  Speaker 2: I was we were meeting at Starbucks and who would
• 16:55
  Speaker 2: have thought three years later, here.
• 16:57
  Speaker 3: We are a door or I love that? Do you
• 17:00
  Speaker 3: want me to repay the coffee favor? Doesn't mean that
• 17:03
  Speaker 3: we get to go get coffee?
• 17:04
  Speaker 4: Toget that.
• 17:05
  Speaker 2: Yeah, that was pretty much.
• 17:07
  Speaker 5: I love this.
• 17:08
  Speaker 3: I literally love love like I would love a whole
• 17:10
  Speaker 3: podcast on just like how people meet.
• 17:12
  Speaker 4: Like my story is kind of boring. I met my
• 17:15
  Speaker 4: husband on Tinder, so like when I ask other people
• 17:17
  Speaker 4: and you didn't meet on Titter, I'm like, oh my god,
• 17:18
  Speaker 4: tell me how did it work?
• 17:19
  Speaker 3: Because like I'm so blast in real life, like someone
• 17:22
  Speaker 3: could have been like, I really like you and I'll
• 17:24
  Speaker 3: be like, yes as a friend.
• 17:25
  Speaker 4: Goodbye with that.
• 17:29
  Speaker 3: Yeah, So moving on from that, that's kind of like,
• 17:33
  Speaker 3: I guess your money story and where you've come from.
• 17:35
  Speaker 3: Tell me a little bit more about today. So what
• 17:38
  Speaker 3: happens when you have to apply for two hundred different jobs?
• 17:41
  Speaker 3: I feel like that would be really hard, especially on
• 17:44
  Speaker 3: your confidence.
• 17:45
  Speaker 2: It is so hard. I remember setting a rejiction email
• 17:51
  Speaker 2: after addiction email, being like and looking back, now, it's
• 17:56
  Speaker 2: not about you, it's about the situation. Were just not
• 18:00
  Speaker 2: a good set for the job. But at the time,
• 18:02
  Speaker 2: I was like, what is it about me that they
• 18:04
  Speaker 2: don't want?
• 18:06
  Speaker 6: It?
• 18:06
  Speaker 2: Tore into that little light year old that got told
• 18:08
  Speaker 2: she wasn't going to amount to anything.
• 18:11
  Speaker 4: No, I hate that.
• 18:12
  Speaker 2: But there was just this little voice in the back
• 18:15
  Speaker 2: of my head going, there are far too many people
• 18:17
  Speaker 2: sitting here waiting for you to fail.
• 18:20
  Speaker 3: Keep going yeah, And it's rough because I think you
• 18:23
  Speaker 3: take it so personally, but like, at the end of
• 18:25
  Speaker 3: the day, it's genuinely not personal.
• 18:27
  Speaker 4: And like the job hunting period of time, you go, oh,
• 18:31
  Speaker 4: it must be me, you know what.
• 18:32
  Speaker 3: They must have seen straight through my resume, into my
• 18:36
  Speaker 3: personality and into my soul, and that's what they don't
• 18:39
  Speaker 3: like and in reality, I'm so sorry to downplay it
• 18:42
  Speaker 3: to this, but you were one of hundreds of applicants
• 18:44
  Speaker 3: with exactly the same flipping degree and it probably had
• 18:48
  Speaker 3: nothing to do with you personally and everything to do
• 18:51
  Speaker 3: with luck or application timelines or oh my god, like
• 18:54
  Speaker 3: their dad used to be a lawyer as well, and
• 18:56
  Speaker 3: they got to do a little internship at a law firm,
• 18:59
  Speaker 3: and you didn't have that because you had parents who
• 19:01
  Speaker 3: grew up dairy farming. Like, it's literally not about you.
• 19:04
  Speaker 3: But how weird is it that we jumped to this
• 19:06
  Speaker 3: idea that must be about my personality?
• 19:08
  Speaker 4: How did they know?
• 19:09
  Speaker 3: How did they look into my soul and see the
• 19:11
  Speaker 3: things that I am self conscious about and hate that too.
• 19:14
  Speaker 2: I don't know what it is, but it was just
• 19:17
  Speaker 2: straight to the a stagger through the heart. I couldn't
• 19:21
  Speaker 2: get over it. I was like, this sucks, And if
• 19:24
  Speaker 2: it weren't for my partner, I'd be like, I could go.
• 19:27
  Speaker 2: There are other jobs out there, Someone sometime somewhere is
• 19:30
  Speaker 2: going to give you a chance.
• 19:32
  Speaker 3: Exactly, And like applying for two hundred, that's a long slog.
• 19:36
  Speaker 3: Tell me a bit about this, like process, though you're
• 19:39
  Speaker 3: applying for two hundred jobs. Right, How long a period
• 19:43
  Speaker 3: was that?
• 19:43
  Speaker 2: Was that?
• 19:44
  Speaker 4: Like you did that all in one week? Did you
• 19:45
  Speaker 4: do that in a couple of months?
• 19:47
  Speaker 2: Probably between a year and a half to two years. Yeah,
• 19:51
  Speaker 2: So from the time I graduated to getting this job.
• 19:55
  Speaker 3: Yeah, And so tell me a little bit more about
• 19:59
  Speaker 3: your strategy. So did you change your resume? Did you
• 20:02
  Speaker 3: update things? Because, like you know, if you and I
• 20:04
  Speaker 3: always talk to people about this, like your resume might
• 20:07
  Speaker 3: not be terrible, but it might just be hitting the
• 20:09
  Speaker 3: mark in your particular industry. Were you like redoing your
• 20:13
  Speaker 3: resume or changing the way you do cover it as well?
• 20:15
  Speaker 3: Were you just like, you know what, I'm just going
• 20:16
  Speaker 3: to have at it and it's the same as you
• 20:18
  Speaker 3: may for the entire two years.
• 20:19
  Speaker 2: It was a bit of both. I was very very lucky.
• 20:23
  Speaker 2: I went to lunch with a friend and her daughter's
• 20:27
  Speaker 2: father and we were discussing me applying for law jobs,
• 20:32
  Speaker 2: and he goes, oh, I know someone at all firm.
• 20:36
  Speaker 2: I'll put you in contact. And then I went to
• 20:40
  Speaker 2: a conference. I met this very lovely lady. We had
• 20:44
  Speaker 2: a chat and she went over my resume with me
• 20:46
  Speaker 2: and she went change this, like make it bullet points,
• 20:50
  Speaker 2: don't make it pages. That's that and the next thing.
• 20:54
  Speaker 2: And I did that and she was like, make sure
• 20:59
  Speaker 2: you just tweak the cover letter to each employer and
• 21:04
  Speaker 2: I was like, oh, that's so much work, but I
• 21:07
  Speaker 2: did it anyway. And then I just would flick application
• 21:11
  Speaker 2: after application after application of because at some point something's
• 21:17
  Speaker 2: going to stick to the wall.
• 21:20
  Speaker 4: And then it did. So tell me about that pathway.
• 21:23
  Speaker 2: So I am currently a criminal defense and family lawyer.
• 21:28
  Speaker 4: Bougie. That sounds so bougie. I love it.
• 21:31
  Speaker 2: It has its perks, it does have its downfalls. But
• 21:35
  Speaker 2: the job that I'm doing at the moment, I am
• 21:37
  Speaker 2: very sad to be leaving. But yeah, absolutely love my job.
• 21:42
  Speaker 2: At the moment.
• 21:42
  Speaker 3: We're not sad. We're not sad because we've just got
• 21:44
  Speaker 3: our new dream job we have. So tell me what
• 21:48
  Speaker 3: you're currently being paid and then what you're going to
• 21:50
  Speaker 3: get paid in this new role.
• 21:51
  Speaker 2: So I'm currently being paid fifty five thousand a year
• 21:55
  Speaker 2: with Kiwi Saber. My understanding is my new role is
• 22:00
  Speaker 2: going to be sixty thousand a year plus kiwisaver on top,
• 22:05
  Speaker 2: I think is what it's going to be.
• 22:07
  Speaker 3: Yeah, So tell me a bit more like give me
• 22:08
  Speaker 3: a little bit of a I don't know baseline, because
• 22:12
  Speaker 3: in Australia, if you said I'm a baby lawyer and
• 22:15
  Speaker 3: I'm getting paid fifty five thousand dollars, I would say
• 22:17
  Speaker 3: that's about graduate rates. Is that where you're sitting at
• 22:20
  Speaker 3: the moment, Like what does the career trajectory look like?
• 22:24
  Speaker 3: Like what are your I guess financial goals for your
• 22:27
  Speaker 3: career or in general. We'll get to that because I've
• 22:29
  Speaker 3: got questions.
• 22:30
  Speaker 2: So what I'm being paid is about right for where
• 22:33
  Speaker 2: I am. I'm fifteen months into my first job, so
• 22:39
  Speaker 2: it's it's pretty on par with graduate role. Unfortunately, criminal
• 22:45
  Speaker 2: lawyers don't get paid what they should.
• 22:48
  Speaker 3: It's almost like criminals that criminals, and they actually don't
• 22:51
  Speaker 3: have heaps of money.
• 22:52
  Speaker 2: That's crazy, right, Yeah, I made just between you and I,
• 22:56
  Speaker 2: the drunk business is feeling lucrative.
• 22:58
  Speaker 4: Well yeah, absolutely, but only if you're successful. If you're
• 23:01
  Speaker 4: making it to court, you probably didn't do that.
• 23:03
  Speaker 2: Well no, yeah, So at the moment, I do a
• 23:07
  Speaker 2: lot of legal aid work and even then we don't
• 23:10
  Speaker 2: get paid what we personally should I think we should
• 23:13
  Speaker 2: be paid. I can go into court on a Tuesday
• 23:18
  Speaker 2: at ten am and I'd walk out. I've had days
• 23:20
  Speaker 2: where I've walked out at quarter past five at night
• 23:23
  Speaker 2: and in between then I would have been yelled at.
• 23:26
  Speaker 2: I've been used. I do have really really lovely clients,
• 23:30
  Speaker 2: but everyone's lovely when they need something. But yeah, I
• 23:35
  Speaker 2: don't think we get paid enough for what we deal with.
• 23:39
  Speaker 2: Reading financial goals, I don't really have a whole lot
• 23:43
  Speaker 2: of financial goals for my career. I just have goals,
• 23:48
  Speaker 2: if that makes so. I would really like to make
• 23:52
  Speaker 2: my small time goal as making partner.
• 23:55
  Speaker 4: Small goal. My small goals making partner, okay, sit down.
• 24:00
  Speaker 2: On My medium goal is owning my own practice. I
• 24:04
  Speaker 2: think that would be pretty sick.
• 24:06
  Speaker 3: To put it politely, it is pretty you know what,
• 24:09
  Speaker 3: working for yourself is pretty sick. That's how I would
• 24:11
  Speaker 3: explain my job.
• 24:13
  Speaker 2: And then my big time goal would be becoming a
• 24:18
  Speaker 2: judge would be probably my old goal.
• 24:22
  Speaker 4: That's a big dog job. How do you become a
• 24:24
  Speaker 4: judge in New Zealand?
• 24:25
  Speaker 3: Like it's a bit of a different system than Australia,
• 24:27
  Speaker 3: but I think that they're pretty similar.
• 24:28
  Speaker 4: What do you got to do?
• 24:30
  Speaker 2: So my understanding, I don't have a whole lot of
• 24:32
  Speaker 2: understanding of how to get to judge level because I
• 24:37
  Speaker 2: just a baby, so I haven't quite met that out.
• 24:40
  Speaker 2: But my understanding is you can either be nominated or
• 24:44
  Speaker 2: you can put your name forward, and then they go
• 24:49
  Speaker 2: through this big hold breaking role. They look at what
• 24:51
  Speaker 2: you've done over your career, they look at cases you've
• 24:55
  Speaker 2: been on, what your impact has essentially been, and in yeah,
• 25:02
  Speaker 2: they go yeah, no kind of that's what that's my understanding.
• 25:05
  Speaker 2: At least I may be a little bit wrong.
• 25:08
  Speaker 3: Do you know what, I'm going to give you some
• 25:09
  Speaker 3: unsolicited career advice And if that's what you want to do, fantastic,
• 25:14
  Speaker 3: we can do it. Like literally, this skuy's our limit.
• 25:16
  Speaker 3: But what I would do is look up all the
• 25:18
  Speaker 3: judges that you know and that you respect, look them
• 25:21
  Speaker 3: up on LinkedIn, look up their career trajectory and see
• 25:23
  Speaker 3: what the hell they've done. So how did they get
• 25:26
  Speaker 3: into that position. Yeah, they might have been nominated or
• 25:28
  Speaker 3: they nominated themselves, great, but to actually get the role,
• 25:31
  Speaker 3: where did they work?
• 25:32
  Speaker 4: Did they make partner? And you might start to see
• 25:34
  Speaker 4: a theme of okay, So.
• 25:36
  Speaker 3: Most judges in my area they go through this semi
• 25:40
  Speaker 3: similar career trajectory of doing this job, doing a more
• 25:44
  Speaker 3: senior job, making partner, being partner for ten years, then
• 25:47
  Speaker 3: doing like this, and it might give you a little
• 25:49
  Speaker 3: bit more of a guide of how to get.
• 25:52
  Speaker 4: To where you want to go.
• 25:53
  Speaker 3: And I give this advice to so many people who
• 25:55
  Speaker 3: are like, oh, I really want to be in, you know,
• 25:58
  Speaker 3: head of HR, but I I have no idea how
• 26:00
  Speaker 3: to get there. And it's like, well, go snoop all
• 26:02
  Speaker 3: of the heads of HR and see what their previous
• 26:04
  Speaker 3: jobs were. He's twenty twenty five. LinkedIn is free, and
• 26:08
  Speaker 3: the only thing you need to worry about when it
• 26:10
  Speaker 3: comes to LinkedIn is literally that they might see that
• 26:13
  Speaker 3: you were on their profile. And I don't even think
• 26:15
  Speaker 3: that's a bad thing, Like a baby lawyer was on
• 26:18
  Speaker 3: my profile.
• 26:19
  Speaker 2: Yeah great, I'm definitely going to be doing debt because
• 26:23
  Speaker 2: there wasn't actually something I've thought about dewa stork.
• 26:27
  Speaker 4: It's public information, it's actually market research.
• 26:31
  Speaker 2: All looks like I'll be doing that once I finished
• 26:33
  Speaker 2: work today.
• 26:34
  Speaker 3: Girl, I am sneaky, like I just don't take no
• 26:37
  Speaker 3: for an answer. So that's one of the things that
• 26:39
  Speaker 3: I've done. Also, I've looked at people who were previously
• 26:42
  Speaker 3: in jobs. If I wanted an in to the business,
• 26:44
  Speaker 3: and I'd be like, oh my goodness, like connect with them,
• 26:47
  Speaker 3: be like, hey, I really wanted an into this business.
• 26:49
  Speaker 4: I see that you used to work there.
• 26:50
  Speaker 3: Do you know anyone that's still there? And then they
• 26:52
  Speaker 3: might go, oh yeah, oh my god, like my friend
• 26:54
  Speaker 3: Shari is still there. Let me introduce you to her.
• 26:57
  Speaker 4: Wow, I've got a connection in the business. And I
• 26:59
  Speaker 4: didn't have to go through the front door.
• 27:00
  Speaker 2: I like that.
• 27:01
  Speaker 4: If there is a backdoor, I'm finding it.
• 27:04
  Speaker 2: I like that. Actually that's really handy.
• 27:06
  Speaker 3: I feel like when there is a will, there is
• 27:09
  Speaker 3: a way, and you've got to be a little bit sneaky,
• 27:11
  Speaker 3: and it turns out you don't just get paid for
• 27:14
  Speaker 3: being complacent. So if I want to work with the
• 27:16
  Speaker 3: brand or I want to work with the company, and
• 27:18
  Speaker 3: like going through the front door isn't working for me,
• 27:21
  Speaker 3: I will work it out.
• 27:21
  Speaker 4: That is fine. How do you think I got the
• 27:23
  Speaker 4: Prime Minister on my podcast?
• 27:25
  Speaker 2: Babe?
• 27:25
  Speaker 4: You think we went the koshaway?
• 27:27
  Speaker 2: No?
• 27:27
  Speaker 4: I don't, No, No, where there is a will, there
• 27:29
  Speaker 4: is a way anyway. Back to your story.
• 27:33
  Speaker 3: You want to be a judge, which is really exciting,
• 27:35
  Speaker 3: and you don't really have like solid financial goals for
• 27:38
  Speaker 3: your career, but what about your life? What are the
• 27:40
  Speaker 3: big money goals you're currently working towards.
• 27:42
  Speaker 2: So my short medium term would be paying off my
• 27:48
  Speaker 2: car low and my partner apparently wants to look at
• 27:52
  Speaker 2: buying a house this year, so probably think about coming
• 27:57
  Speaker 2: round to that decision and hea more in depth conversations
• 28:01
  Speaker 2: about that. I'd also like to travel more. I've spent
• 28:05
  Speaker 2: in the last eight years of my life stuck in Uni.
• 28:09
  Speaker 2: I'd like to experience the world a little bit.
• 28:12
  Speaker 4: I love that. Tell me. I want to know about
• 28:14
  Speaker 4: your partner. What does he do and how much does
• 28:16
  Speaker 4: he earn?
• 28:17
  Speaker 2: He works in civil construction.
• 28:19
  Speaker 4: Okay, that sounds kind of sexy.
• 28:21
  Speaker 2: Hey, drive staggers for fun, so he gets to be
• 28:24
  Speaker 2: a little boy and a big boy's body all the time.
• 28:27
  Speaker 4: Perfect. My son would be very envious.
• 28:30
  Speaker 2: Yes, Iver Hin Harvey would love the diggers.
• 28:34
  Speaker 4: Every time.
• 28:34
  Speaker 3: Every time we see a truck truck truck Yeah, yeah, yeah,
• 28:38
  Speaker 3: you're right, we can look at it for ten minutes,
• 28:40
  Speaker 3: can we go now?
• 28:42
  Speaker 2: Yeah? And he earns, so he's variable because of it's
• 28:47
  Speaker 2: very weather based. But I think we worked it out
• 28:50
  Speaker 2: that it's seventy to eighty thousands a year is what
• 28:54
  Speaker 2: he's on at the moment. He's potentially moving up to
• 28:57
  Speaker 2: a more managerial role in the next months, which is
• 29:01
  Speaker 2: really really exciting considering he's only been there less than
• 29:03
  Speaker 2: six months already. Yeah.
• 29:05
  Speaker 3: Perfect, Now, tell me a little bit more about this
• 29:07
  Speaker 3: goal of purchasing a home, because if you're on a
• 29:11
  Speaker 3: sixty thousand dollars plus Kiwi Saver and then your partner
• 29:13
  Speaker 3: earns between seventy to eighty, like, how realistic is home
• 29:17
  Speaker 3: ownership for you in New Zealand. I don't know as
• 29:19
  Speaker 3: much about the New Zealand market as I know about
• 29:22
  Speaker 3: the Australian market.
• 29:24
  Speaker 2: So my partner's got a decent chunk in his Kiwi
• 29:28
  Speaker 2: Save because he's been working since he was siventay.
• 29:32
  Speaker 4: And for context, for those of you listening along in
• 29:35
  Speaker 4: New Zealand, your Kiwi Saver is your retirement saver, but
• 29:38
  Speaker 4: you're allowed to access the cash that's in it for
• 29:40
  Speaker 4: your first home deposit, So like, is that what you've
• 29:43
  Speaker 4: been kind of using them for along the way?
• 29:46
  Speaker 2: Yeah, So I don't have a lot in my KIV
• 29:50
  Speaker 2: Saber because I needed a surgery that I didn't qualify
• 29:54
  Speaker 2: for publicly. So I took money out from my kV
• 29:59
  Speaker 2: sab to get that, but I do plan on paying
• 30:02
  Speaker 2: that back because compound interests and all of that course
• 30:06
  Speaker 2: fun stuff that I'm currently listening out on. So we
• 30:10
  Speaker 2: will be looking at that, and we're looking at buying
• 30:14
  Speaker 2: slightly out of christ Church where the houses seem to
• 30:20
  Speaker 2: be more manageable and potentially closer to our reach than
• 30:26
  Speaker 2: what buying in christ Church would be.
• 30:28
  Speaker 4: Yeah, no, that's fair.
• 30:29
  Speaker 3: I'm just interested about your country's market and what that
• 30:32
  Speaker 3: looks like and how that would work, and then show Yeah,
• 30:37
  Speaker 3: I don't have like New Zealand clients, but like I
• 30:41
  Speaker 3: do snoop things and a lot of our KeyWe pals
• 30:44
  Speaker 3: ask us a lot of questions about the home buying journey,
• 30:47
  Speaker 3: and yours is honestly like your housing prices are astronomical
• 30:52
  Speaker 3: at the moment, Like it's actually wild thinking.
• 30:55
  Speaker 4: And that's why I was like, is this reasonable? Is
• 30:56
  Speaker 4: this logical? Like, I don't know, you're the one that
• 30:58
  Speaker 4: might have done the numbers.
• 31:00
  Speaker 2: I personally want him to pay off all of his
• 31:04
  Speaker 2: dick first before we talk about going into home ownership,
• 31:09
  Speaker 2: just because I have heard horror stories of people getting
• 31:13
  Speaker 2: to the final stick and the banks like you've still
• 31:16
  Speaker 2: got the line. No.
• 31:17
  Speaker 3: And that's why I think that even in New Zealand,
• 31:19
  Speaker 3: you should be talking to a broker now, so like,
• 31:21
  Speaker 3: not necessarily just assuming, but if you're like, oh maybe
• 31:24
  Speaker 3: we will maybe we won't, go and talk to a
• 31:26
  Speaker 3: broker and be like, what would it take to get
• 31:28
  Speaker 3: us into home ownership and they can maybe give you
• 31:30
  Speaker 3: a plan, because they might say, you actually need to
• 31:32
  Speaker 3: smash down all of this debt and have this amount
• 31:34
  Speaker 3: saved and we can take XYZ from your Keywi saver,
• 31:37
  Speaker 3: but you're going to need this amount of cash to
• 31:38
  Speaker 3: top it up and that would get you a boring
• 31:41
  Speaker 3: capacity of five hundred thousand dollars or whatever it is.
• 31:43
  Speaker 3: So get your little plan together, Go ask questions, go, go, go,
• 31:48
  Speaker 3: because then they will tell you and then you can
• 31:50
  Speaker 3: make a plan and then you're not married to this
• 31:52
  Speaker 3: idea of oh we might buy next year, and it
• 31:55
  Speaker 3: would be so flipping heartbreaking if you're like, we've been
• 31:58
  Speaker 3: working towards it really hard and then next year you're like,
• 32:01
  Speaker 3: let's buy and a broker's like, no, it's going to
• 32:03
  Speaker 3: take you years.
• 32:04
  Speaker 2: No, don't do that. I have told him that f
• 32:07
  Speaker 2: he is serious about wanting to buy a house, we
• 32:10
  Speaker 2: need to go talk to a broker exactly. But I mean,
• 32:13
  Speaker 2: he doesn't want to listen to me at the moment.
• 32:15
  Speaker 4: So I'm like, okay, well we're not buying a house.
• 32:17
  Speaker 4: Buy that's fair. That's absolutely fair.
• 32:21
  Speaker 3: Apart from like buying a house and traveling more. Was
• 32:24
  Speaker 3: there anything else that you would add to that when
• 32:26
  Speaker 3: it comes to money.
• 32:26
  Speaker 2: Goals, probably paying off my car loan? Yeah?
• 32:29
  Speaker 3: Yeah, I feel like that's a really good one, especially
• 32:31
  Speaker 3: before property ownership. All right, let's take a really quick
• 32:34
  Speaker 3: break because on the flip side, I want to ask
• 32:36
  Speaker 3: a little bit more about investments. I want to know
• 32:39
  Speaker 3: a little bit more about this car loan. I need
• 32:42
  Speaker 3: to be really pervy and then what your best and
• 32:44
  Speaker 3: worst money habits are. So guys don't go anywhere, all right,
• 32:51
  Speaker 3: money direst We are back, and I want to dive
• 32:53
  Speaker 3: straight into talking about investment, as you guys know wildly
• 32:57
  Speaker 3: passionate about that. So I want to know money, darist,
• 33:01
  Speaker 3: if you invest what do you invest in?
• 33:02
  Speaker 4: If not, why not? What's going on?
• 33:04
  Speaker 2: So I have Kiwi savor and I wrote down the
• 33:08
  Speaker 2: specific numbers because thank you for coming prepared. I know
• 33:12
  Speaker 2: that my favorite money diaries are when they give the
• 33:16
  Speaker 2: numbers and I'm like, oh.
• 33:17
  Speaker 3: Yeah, but I never press it. I'm always like, whatever
• 33:20
  Speaker 3: you're comfortable with, I will take. If you want to
• 33:23
  Speaker 3: trash your ex partner, I will take that. If you
• 33:26
  Speaker 3: want to give me specific numbers, I'll also take that.
• 33:29
  Speaker 2: My keyw WE saver is currently sitting at thirteen one
• 33:33
  Speaker 2: hundred and fifteen dollars. I took eight grand out of
• 33:37
  Speaker 2: it for my con selectomy and I am planning on
• 33:41
  Speaker 2: paying that back once my Carlow has paid back. I
• 33:45
  Speaker 2: also have invested in shares and I have one thousand,
• 33:51
  Speaker 2: two hundred and ninety one dollars and seventy one seeds
• 33:53
  Speaker 2: and at the moment, and I started a majority of
• 33:59
  Speaker 2: that probably since I started listening to She's on the Money,
• 34:02
  Speaker 2: Oh yay. And I have a regular fifty dollar Fortnite
• 34:06
  Speaker 2: investment that goes into it. I have one of the
• 34:10
  Speaker 2: automated profiles that shares is have on a fortnightly rotation,
• 34:15
  Speaker 2: and then I have ten dollars of punt money, so
• 34:18
  Speaker 2: I just chuck that on a random share that I've
• 34:21
  Speaker 2: got that's going well at the moment.
• 34:23
  Speaker 4: That's fun, especially if it keeps you engaged in investing.
• 34:27
  Speaker 2: So it's automated, but I also get that ten dollars
• 34:30
  Speaker 2: of fun money where my brain is like, oh, I'm
• 34:32
  Speaker 2: spending money, but I'm actually getting dividends for it.
• 34:36
  Speaker 3: Yeah money when we're like also investing for our future
• 34:39
  Speaker 3: and that's a lot of fun. Is that ten dollars
• 34:41
  Speaker 3: per fortnite as well?
• 34:43
  Speaker 2: Yes? Yeah, so it's forty dollars gets automatically invested and
• 34:47
  Speaker 2: then the ten dollars a fortnight for fun money.
• 34:50
  Speaker 3: And and talk to me about how your key receaver
• 34:54
  Speaker 3: is constructed. So you guys don't have as structured of
• 34:58
  Speaker 3: a system as we do in Australia with superannuation. What
• 35:02
  Speaker 3: does your Kiwi saver look like? How is it made up?
• 35:06
  Speaker 2: So my Keiwi savor is done through my bank, which
• 35:11
  Speaker 2: is one of the big four. I think it a
• 35:13
  Speaker 2: big And I am in the growth fund which is
• 35:19
  Speaker 2: known for high returns and large ups and downs and
• 35:22
  Speaker 2: value love.
• 35:23
  Speaker 4: And did you go in and change that or is
• 35:25
  Speaker 4: that a default? How did you get into a growth fund?
• 35:28
  Speaker 2: So I changed that. We had it was on the
• 35:34
  Speaker 2: one that was just slightly lower than that, but I
• 35:36
  Speaker 2: was like, I'm twenty seven, I've got time. I'll just
• 35:40
  Speaker 2: chuck it in. What's the worst that can happen? And
• 35:45
  Speaker 2: I contribute four percent, and my employer contributes as.
• 35:49
  Speaker 4: Well I do, And so what kind of percentage does
• 35:52
  Speaker 4: your employer contribute?
• 35:54
  Speaker 2: I don't actually know the proper percent of what they contribute,
• 35:59
  Speaker 2: but moment it's about fifty five dollars a fortnight from them.
• 36:04
  Speaker 4: Awesome, all right, talk to me.
• 36:06
  Speaker 3: Are there any other investments that we've skipped over that
• 36:09
  Speaker 3: we haven't discussed.
• 36:10
  Speaker 2: I have savings, but I don't know if you've really
• 36:12
  Speaker 2: classed them as.
• 36:13
  Speaker 4: I do want to know.
• 36:14
  Speaker 3: I was going to ask about debts and then savings,
• 36:16
  Speaker 3: but I want to know what is what's in your
• 36:17
  Speaker 3: savings account and my emergency account.
• 36:20
  Speaker 2: I have one thousand dollars sitting in a term deposit,
• 36:25
  Speaker 2: I have eight hundred and sixty one dollars at my
• 36:28
  Speaker 2: emergency front, and then I've probably got two three hundred
• 36:32
  Speaker 2: dollars sprinkled between the short term savings accounts that I've got.
• 36:38
  Speaker 4: And why have you got so many different savings accounts?
• 36:41
  Speaker 3: Because before you were like, oh, you know, we've got
• 36:43
  Speaker 3: these goals of maybe buying a house and stuff. Are
• 36:45
  Speaker 3: they specific savings goals for that or are they just
• 36:48
  Speaker 3: random accounts?
• 36:48
  Speaker 4: How have you structured your bank.
• 36:50
  Speaker 2: So much like what is set out in the shees
• 36:54
  Speaker 2: on the money Book. I've got a fund for my
• 36:58
  Speaker 2: car account, so ensuring Rejoe, this, that and the next thing.
• 37:02
  Speaker 2: I've got a travel account, I've got short term whatever,
• 37:07
  Speaker 2: I've got a medium term, and I've got my long.
• 37:10
  Speaker 3: Term perfect love. Now talk to me about debt. So
• 37:15
  Speaker 3: you mentioned earlier in the episode, I have a car loan.
• 37:17
  Speaker 3: I want to know what's your car, what's the debt?
• 37:20
  Speaker 3: How did it work? How did we get into having
• 37:22
  Speaker 3: a car loan?
• 37:23
  Speaker 2: So my car is a twenty fifteen mester Excelo. I
• 37:27
  Speaker 2: have nine four hundred and eighty dollars and eighty one
• 37:30
  Speaker 2: cents left on the car loan. I got the car
• 37:36
  Speaker 2: loan because I was driving a Corolla, but I was
• 37:41
  Speaker 2: also driving a significant distance weekly, so I needed a
• 37:46
  Speaker 2: newer car that I knew wasn't going to break down
• 37:50
  Speaker 2: on me. I got the car loan. I knew that
• 37:53
  Speaker 2: I'd be able to service it without putting myself into detriment.
• 37:59
  Speaker 2: And I just got it because it's a new car,
• 38:02
  Speaker 2: it's only ten years old. I'm going to have it
• 38:04
  Speaker 2: for the next hopefully ten plus years. And yeah, it
• 38:08
  Speaker 2: just the car loan seemed to be the best option
• 38:12
  Speaker 2: for me at the time.
• 38:13
  Speaker 3: So the thing is, I think people think I'm like
• 38:14
  Speaker 3: real negative on car loans, and yes, I do classify
• 38:18
  Speaker 3: them as bad debt. But then when we get into
• 38:21
  Speaker 3: our situation, some of us we just need a car loan,
• 38:23
  Speaker 3: like we just we do not have the cash to
• 38:25
  Speaker 3: go and buy a whole use car outright, like I'm
• 38:29
  Speaker 3: not delusional. But what we then need to do is, Okay,
• 38:33
  Speaker 3: what is the best situation we can put ourselves in
• 38:35
  Speaker 3: for this? And it sounds like you've been really reasonable
• 38:37
  Speaker 3: with purchasing a car. What was the purchase price of
• 38:40
  Speaker 3: the car if you now own nine four hundred ish dollars,
• 38:43
  Speaker 3: so it.
• 38:44
  Speaker 2: Was eleven thousand dollars. I sold my Corolla and I
• 38:49
  Speaker 2: put one thousand dollars. I transferred them a thousand dollars,
• 38:53
  Speaker 2: so I got a ten thousand dollar loan and I
• 38:55
  Speaker 2: pay that back fortnightly at one hundred and thirty dollars
• 38:58
  Speaker 2: a fortnight. That is going to increase in two weeks
• 39:03
  Speaker 2: time because.
• 39:04
  Speaker 4: New job, new income.
• 39:05
  Speaker 2: Yeah, a new job, more money. And then by that
• 39:09
  Speaker 2: point as well, I've got the amount that I want
• 39:12
  Speaker 2: in my emergency fund, so I can divert that money
• 39:15
  Speaker 2: to the car loan. Get that done. That money can
• 39:18
  Speaker 2: then go back to the emergency fund, but that up
• 39:21
  Speaker 2: to the two cade mark that I want, and then
• 39:25
  Speaker 2: go from there.
• 39:26
  Speaker 4: So tell me, do you know the interest rate on
• 39:28
  Speaker 4: your car loan?
• 39:29
  Speaker 2: Thirteen point sixty five percent? And I got a discount
• 39:32
  Speaker 2: on it because I'm a member with the Law Society.
• 39:34
  Speaker 4: I love that. Look at her go She's like, actually, yes,
• 39:38
  Speaker 4: sit down, Victoria and talk to me. What's the structure
• 39:41
  Speaker 4: of that loan? Look like?
• 39:42
  Speaker 3: So, is that one thirty per fortnite going to pay
• 39:45
  Speaker 3: off the entire car? Will you get three years into
• 39:47
  Speaker 3: the loan and have a balloon repayment? How's that going
• 39:50
  Speaker 3: to work?
• 39:50
  Speaker 2: So that'll just pay the car off completely in how long?
• 39:54
  Speaker 2: I think it's four years, but I plan on having
• 39:56
  Speaker 2: it paid off by the end of next year, pending
• 39:59
  Speaker 2: my funny working the way I want it to.
• 40:03
  Speaker 3: No, I like it, And you said something before that
• 40:05
  Speaker 3: I think is also really important because I think so
• 40:07
  Speaker 3: many of us get hung up on debt reduction.
• 40:09
  Speaker 4: And yes, debt reduction is so flipping important. Get out
• 40:13
  Speaker 4: of debt. The sooner you get out of debt, the
• 40:14
  Speaker 4: sooner you can thrive.
• 40:15
  Speaker 3: But I also want you to have an emergency fund
• 40:18
  Speaker 3: because if you don't have an emergency fund and something happens,
• 40:21
  Speaker 3: we get into more debt and then we create our
• 40:23
  Speaker 3: own cycle, and that's really bad. So the idea that
• 40:26
  Speaker 3: you are really prioritizing your emergency fund. Yeah, you're paying
• 40:29
  Speaker 3: your minimum repayments, but you're gonna bump that up. Like,
• 40:32
  Speaker 3: I just think you've got so much strategy. Like I'm
• 40:35
  Speaker 3: just like, oh, she does know, Oh what's your interest rate?
• 40:37
  Speaker 3: Oh yeah, okay, Like this girl is switched on.
• 40:41
  Speaker 2: I combined quite a lot of so I follow a
• 40:45
  Speaker 2: reasonable amount of financial people, and I combine bits and
• 40:51
  Speaker 2: pieces from each of them. So I've got the Dave
• 40:54
  Speaker 2: Ramsey thousand dollars emergency funds being going to the debt reduction.
• 40:58
  Speaker 3: Yeah, I don't like Dave Ramsey, not gonna lie. There's
• 41:01
  Speaker 3: a bit anyway. We can talk about that one off air.
• 41:06
  Speaker 2: But the whole one thousand reduction and then go back
• 41:09
  Speaker 2: to the emergency fund.
• 41:10
  Speaker 3: That's got the theory is solid. His attitude is not goodbye. No,
• 41:15
  Speaker 3: this is just for context. If anybody's like, what's Victoria
• 41:18
  Speaker 3: talking about, look up Dave Ramsey on TikTok and see
• 41:21
  Speaker 3: all of the content that gets created about him. He's
• 41:24
  Speaker 3: the same person that says that people who are in
• 41:26
  Speaker 3: debt do not deserve to eat at restaurants and I.
• 41:29
  Speaker 4: Just sorry, sorry, get off your high horse. He also
• 41:33
  Speaker 4: forces his religious beliefs on his team members, which I
• 41:36
  Speaker 4: think is insane.
• 41:37
  Speaker 2: I didn't know that.
• 41:39
  Speaker 3: Oh gol, I'm going to blow your dams up after this.
• 41:41
  Speaker 3: So is his financial advice at the end of the
• 41:44
  Speaker 3: day a terrible thing?
• 41:46
  Speaker 2: No, you know what.
• 41:46
  Speaker 3: He gets lots and lots and lots of people out
• 41:48
  Speaker 3: of debt every day. But the way that he often
• 41:51
  Speaker 3: drives that is through shame, and I think that is abysmal.
• 41:54
  Speaker 2: Yeah. No, you shouldn't be shamed for that kind of thing.
• 41:57
  Speaker 4: Absolutely not, like, sorry, you're doing the right thing.
• 42:01
  Speaker 3: Like if you were on Dave Ramsey's show, he would say, right, well,
• 42:04
  Speaker 3: you can't have a life until your car Loan scorn,
• 42:06
  Speaker 3: Like that's embarrassing, that's disappointing, Like he would slam you
• 42:11
  Speaker 3: for no good reason, And how does that help anybody?
• 42:14
  Speaker 2: No, No, it doesn't help anybody at the end of
• 42:16
  Speaker 2: the day anyway.
• 42:17
  Speaker 4: Sorry, who else do you follow?
• 42:20
  Speaker 2: I follow you, I follow Sammaron. I'm going to pronounce
• 42:24
  Speaker 2: the last time role no budget babe. She's an American base.
• 42:30
  Speaker 4: Oh she's cool. Yeah, I love I love everybody else.
• 42:33
  Speaker 4: You can keep all them.
• 42:35
  Speaker 2: She's no shit and I love her. Yeah.
• 42:37
  Speaker 4: Yeah, she's very direct. I really love that too.
• 42:40
  Speaker 3: And I love talking about these other people, not because
• 42:42
  Speaker 3: I like to slam Dave Ramsey, but because other people
• 42:45
  Speaker 3: might listen to this podcast and be like, oh, there's
• 42:47
  Speaker 3: more people out there that I could engage with this
• 42:49
  Speaker 3: type of content with, Like I am.
• 42:51
  Speaker 4: Not trying to gatekeep.
• 42:52
  Speaker 3: Like, there are so many finance content creators out there,
• 42:55
  Speaker 3: and I actually want you guys to follow heaps of
• 42:57
  Speaker 3: them because I want you to consistently be thinking about
• 43:00
  Speaker 3: there's stuff and taking everybody's advice with a grain of
• 43:02
  Speaker 3: salt and working out what works best for you, not
• 43:05
  Speaker 3: what Victoria Devine just thinks.
• 43:07
  Speaker 4: Yes, because I can be idiot too, so you know
• 43:10
  Speaker 4: how it goes.
• 43:11
  Speaker 2: Get the whole range of advice from here, there and everywhere.
• 43:14
  Speaker 2: Which is pretty cool.
• 43:15
  Speaker 4: All right, Do you have any other debts?
• 43:17
  Speaker 2: I have my student loan which is currently sitting at
• 43:21
  Speaker 2: one hundred and five thousand and sixty nine dollars in.
• 43:24
  Speaker 4: Ten Zis that's really sexy or it hurts?
• 43:30
  Speaker 2: You know what?
• 43:30
  Speaker 4: Really relatable?
• 43:31
  Speaker 1: Though?
• 43:31
  Speaker 4: Given you have a very very good.
• 43:33
  Speaker 3: Higher education, How does student loan debt work for you?
• 43:37
  Speaker 3: Do you pay an interest rate? What does that look
• 43:40
  Speaker 3: like in your country?
• 43:41
  Speaker 2: So it's interest free while you're in New Zealand, but
• 43:45
  Speaker 2: if you go overseas and you've got to pay interest
• 43:49
  Speaker 2: on it, I'm not entirely sure how much the interest is.
• 43:53
  Speaker 4: Don't leave the country.
• 43:54
  Speaker 2: I don't know, not at least until it's probably below
• 43:58
  Speaker 2: fifty thousand dollars.
• 44:00
  Speaker 3: Now, I heard before, at the very start of the
• 44:03
  Speaker 3: episode you said I was dancing in the car park
• 44:06
  Speaker 3: in my Valentino rockstar shoes and I thought, you're a queen.
• 44:10
  Speaker 3: I'm a shoe queen too. I get it, but I
• 44:12
  Speaker 3: also need to know how do you save and spend
• 44:16
  Speaker 3: on arguably a sixteen hundred dollars pair of shoes. I
• 44:19
  Speaker 3: feel like you might be a little bit savvy, so
• 44:22
  Speaker 3: I need to do you have any good money tips.
• 44:24
  Speaker 3: What's your best money habit?
• 44:25
  Speaker 2: Probably the way I shop the groceries. So at the
• 44:30
  Speaker 2: moment where I live, so I live in two different places.
• 44:34
  Speaker 2: I go back to christ Hitch on the weekends, I
• 44:37
  Speaker 2: have pack and save New World countdown in the warehouse,
• 44:40
  Speaker 2: all within walking distance, or I drive past.
• 44:43
  Speaker 4: Oh money win.
• 44:44
  Speaker 3: Yeah.
• 44:45
  Speaker 2: I have a spreadsheet where I've got my grocery list
• 44:48
  Speaker 2: on one side and the shops on the other, and
• 44:53
  Speaker 2: I will spend twenty minutes. I'll go through each website
• 44:57
  Speaker 2: and then I'll look at whatever's cheapest, and then I'll
• 45:00
  Speaker 2: be like, right, I'm going to peck and save for this.
• 45:05
  Speaker 2: I'm going to count down for this. It's in the
• 45:06
  Speaker 2: warehouse for this. My partner hates it, but I love it.
• 45:11
  Speaker 3: I'm sorry, but you're saving money, Like that's smart and
• 45:14
  Speaker 3: if you've got the time and you enjoy doing it,
• 45:16
  Speaker 3: that's a great way to do it.
• 45:18
  Speaker 2: I've said twenty thirty dollars on groceries before, Oh.
• 45:22
  Speaker 4: My god, I'm obsessed.
• 45:24
  Speaker 3: And every single week you're like making the time to
• 45:26
  Speaker 3: do that, the small things will add up. Like that's
• 45:29
  Speaker 3: where you're investing money is coming from. If you're saving
• 45:32
  Speaker 3: that per week, like girl, like no wonder you can
• 45:34
  Speaker 3: afford to invest and you know, save and pay off
• 45:36
  Speaker 3: your car loan and get everything done on a fifty
• 45:38
  Speaker 3: five thousand dollars income like you're getting it.
• 45:41
  Speaker 4: I love this.
• 45:43
  Speaker 2: Yeah, it's all about I don't say priorities, but it's
• 45:46
  Speaker 2: important to me and I want to hit the financial
• 45:49
  Speaker 2: freedom and I have proven time and time again, but
• 45:54
  Speaker 2: I can make a fortnight's worth of food from one
• 45:56
  Speaker 2: hundred bucks.
• 45:57
  Speaker 4: I am obsessed. Let's bring down the mood, though, what
• 46:01
  Speaker 4: do you think your worst money.
• 46:02
  Speaker 2: Have it is? I ask my partner this because he
• 46:05
  Speaker 2: says that he reckons that I made budget myself too.
• 46:08
  Speaker 2: Then so yeah, okay, over the week, everything's accounted for.
• 46:14
  Speaker 2: But come the weekend, if I want something, I don't
• 46:19
  Speaker 2: not have the money for it, but that money's already
• 46:21
  Speaker 2: accounted for. But that's also going to change with the
• 46:25
  Speaker 2: new job because I won't be trebling so much. I'm
• 46:29
  Speaker 2: going to have that spare money that was already accounted
• 46:32
  Speaker 2: for forget.
• 46:33
  Speaker 4: Oh that's cool as well.
• 46:35
  Speaker 2: Yeah, so most of my expenses are being cut in
• 46:37
  Speaker 2: half of this new job, so that money's going to
• 46:41
  Speaker 2: be here.
• 46:42
  Speaker 3: So talk me through that because I think that's a
• 46:44
  Speaker 3: really important thing to discuss, because you're going from a
• 46:46
  Speaker 3: fifty five thousand dollars income to a sixty thousand dollar
• 46:48
  Speaker 3: income both a plus keywi saver, and a lot of
• 46:51
  Speaker 3: people will be like, oh, it's only five grand, but
• 46:54
  Speaker 3: did you go ahead and do like a budget and
• 46:56
  Speaker 3: work out you know, well, if I take this new job, yes,
• 46:58
  Speaker 3: I'm getting a pay rise, but I'm all also going
• 47:00
  Speaker 3: to save in all of these other areas, Like, have
• 47:02
  Speaker 3: you've done those financials so I.
• 47:04
  Speaker 2: Haven't gone down to the dollar yet because I'm you
• 47:09
  Speaker 2: sent me the key we say the calculated websites, they
• 47:14
  Speaker 2: were pretty on par. But I don't want to budget
• 47:18
  Speaker 2: and catch myself out, So I had that buffer where
• 47:24
  Speaker 2: my final paycheck from this job is going to be
• 47:28
  Speaker 2: the first week of my new job, so all of
• 47:31
  Speaker 2: my bells will be accounted for. Also, come the first
• 47:34
  Speaker 2: pay I'll be able to be like, Okay, cool, this
• 47:37
  Speaker 2: is what I'm looking at. But at the same time,
• 47:40
  Speaker 2: I'm also going from paying two lots of rent to
• 47:43
  Speaker 2: just one, to paying maybe one hundred bucks per Fortnite
• 47:48
  Speaker 2: forgets instead of two hundred dollars.
• 47:50
  Speaker 3: Tell me more about that, because you just said something
• 47:52
  Speaker 3: that I haven't picked up on before, and that was
• 47:54
  Speaker 3: that you're paying two lots of rent?
• 47:56
  Speaker 4: Why when? Where?
• 47:57
  Speaker 2: How?
• 47:57
  Speaker 3: I know that you're living between two places? But how
• 48:00
  Speaker 3: does that work logistically?
• 48:02
  Speaker 2: So I pay for a flat in South Canterbury, where
• 48:08
  Speaker 2: my job is, and I also contribute to rend where
• 48:11
  Speaker 2: my partner lives, because I mean it's a glorified storage
• 48:15
  Speaker 2: unit at this point in time, point in time because
• 48:18
  Speaker 2: it's got all my stuff there, but I'm not there.
• 48:20
  Speaker 2: But I only pay one hundred dollars a fortnight for
• 48:24
  Speaker 2: the place in christ Church because I'm only there on
• 48:27
  Speaker 2: the weekends. I'm not doing a whole lot up. Yeah,
• 48:30
  Speaker 2: but that'll change when I move back.
• 48:33
  Speaker 3: Yeah, And I'm just being perfect because like I don't
• 48:36
  Speaker 3: know the distance. What's the distance between where you work
• 48:39
  Speaker 3: and christ Church? Like how long does that take you
• 48:41
  Speaker 3: to get.
• 48:41
  Speaker 4: To and from?
• 48:42
  Speaker 2: About two hours?
• 48:43
  Speaker 4: Oh that is a big drive. Yeah.
• 48:45
  Speaker 2: Yeah, So I will leave five pm on a Friday,
• 48:48
  Speaker 2: I'll get home about even thirty, depending on traffic, and
• 48:52
  Speaker 2: then come Monday morning, I'll leave at six And yeah, no,
• 48:57
  Speaker 2: definitely not not not fun. But I've done it for
• 49:01
  Speaker 2: fifteen months. I did it to get my foot in
• 49:04
  Speaker 2: the door, and now I get to move back to
• 49:07
  Speaker 2: crash it and I'm not going to have to do
• 49:09
  Speaker 2: the two hours worth of driving on a Monday morning.
• 49:11
  Speaker 4: That's so exciting, and that means you get to like
• 49:14
  Speaker 4: live with your partner permanently. Like ah, I love this view.
• 49:17
  Speaker 3: I feel like everything is just getting better and better.
• 49:20
  Speaker 3: And it's because you took so much time and put
• 49:23
  Speaker 3: in so much energy to like just solidifying this. You
• 49:25
  Speaker 3: were so like, no, I am going to get the
• 49:27
  Speaker 3: career I want to get, and I am going to
• 49:29
  Speaker 3: be able to do it. And yes, I've had to
• 49:31
  Speaker 3: make a whole heap of compromises to make this work.
• 49:33
  Speaker 3: But like now it just feels like that's not really
• 49:35
  Speaker 3: a compromise anymore, is it.
• 49:37
  Speaker 2: No. I was talking to my counselor last night and
• 49:40
  Speaker 2: I was like, if I took a sit back and
• 49:43
  Speaker 2: I looked at my life and I overlaid it to
• 49:46
  Speaker 2: the plan that little light year old me had, it's
• 49:49
  Speaker 2: stand their spot on. I've got the career, I've got
• 49:52
  Speaker 2: the partner, I've got first DAT and the next thing.
• 49:54
  Speaker 2: And I'm like, this is actually my dream life? What
• 49:57
  Speaker 2: is this? When did this happen.
• 49:59
  Speaker 3: I'm and you know what, I just love that, like
• 50:04
  Speaker 3: I feel like you remind me of me, where we
• 50:07
  Speaker 3: clearly have some insecurities. You said something before that I
• 50:10
  Speaker 3: wanted to like pick you up and hug you for
• 50:12
  Speaker 3: you like I'm really used to not being liked by people,
• 50:14
  Speaker 3: and I was like, no, like you just haven't found
• 50:17
  Speaker 3: the right people. You haven't been in the right rooms,
• 50:19
  Speaker 3: and if you're in those rooms, like you're in the
• 50:21
  Speaker 3: wrong ones.
• 50:22
  Speaker 4: That I wanted to pick you up and be like no, no, no,
• 50:24
  Speaker 4: no no, but I didn't want to cut you off.
• 50:26
  Speaker 3: And like there's just been a lot of like goings
• 50:29
  Speaker 3: on and you're like saying, now I have my dream life.
• 50:32
  Speaker 3: And it's really proof that money doesn't buy happiness, like
• 50:37
  Speaker 3: your personal accomplishment and being able to reflect on where
• 50:40
  Speaker 3: you've come from and where you're going, like because a
• 50:42
  Speaker 3: lot of people will be like, wow, sixty thousand dollars
• 50:45
  Speaker 3: is not going to be enough for me, but like
• 50:47
  Speaker 3: you know what's not enough having heaps of money and
• 50:50
  Speaker 3: still not being grateful from where you've come from and
• 50:52
  Speaker 3: what you're doing, and like you're actually never going to
• 50:55
  Speaker 3: be happy.
• 50:55
  Speaker 4: And just like listening to you is like.
• 50:57
  Speaker 3: Oh my god, yes, queen, like she is leaving her
• 51:00
  Speaker 3: life and that is just so cool, and You've got
• 51:02
  Speaker 3: so far to go, and I can't wait until you're
• 51:04
  Speaker 3: like the sliding into my DMS. I'm a judge now,
• 51:07
  Speaker 3: and I'll be like, is this illegal to DM? Like
• 51:10
  Speaker 3: are we allowed to talk still? Like it'll be just
• 51:12
  Speaker 3: so exciting. At the start of this episode, you said,
• 51:16
  Speaker 3: v I reckon, I'm like a B plus or an AS,
• 51:20
  Speaker 3: and like that is very good grade to begin with.
• 51:23
  Speaker 4: But what would it take to get you to an
• 51:25
  Speaker 4: A plus?
• 51:26
  Speaker 2: I think potentially getting rid of my carlow with definitely
• 51:31
  Speaker 2: help and sorting out my cash flow so I'm not
• 51:37
  Speaker 2: caught short at the end of the way.
• 51:39
  Speaker 4: Yeah, I'll do that for you.
• 51:40
  Speaker 3: I'll give you my money master class and then you
• 51:42
  Speaker 3: can go do the money master class right before you
• 51:44
  Speaker 3: do your new job, and then you can get all
• 51:46
  Speaker 3: of your budget and cash flow and carloon and everything
• 51:49
  Speaker 3: sorted and it'll be really attractive. And you already told
• 51:51
  Speaker 3: me in the She's on the Money Book, I structure
• 51:53
  Speaker 3: my money like this, so it's actually going to work
• 51:55
  Speaker 3: for you already because it's the same kind of structure.
• 51:58
  Speaker 3: It's just way more gritty, and I do it for you.
• 52:00
  Speaker 3: You still will need your spreadsheet for your groceries though,
• 52:03
  Speaker 3: because I don't have that level of detail in there.
• 52:05
  Speaker 3: But I can do everything else, So let me do that,
• 52:09
  Speaker 3: and then your new job it's going to be flawless.
• 52:10
  Speaker 4: I'm so excited for you.
• 52:12
  Speaker 2: Thank you for that, but I really really appreciate that.
• 52:14
  Speaker 6: Actually, oh, I'm so excited for you paying a carlon off,
• 52:18
  Speaker 6: and I think potentially having like the fully funded emergency
• 52:23
  Speaker 6: fund because I'm so growing up I had the scarcity
• 52:27
  Speaker 6: mindset and I had two younger sisters, so my coins
• 52:31
  Speaker 6: would disappear.
• 52:32
  Speaker 2: So I'm still used to that, Oh it's it's going
• 52:35
  Speaker 2: to disappear eventually. So yeah, potentially paying the carlan off
• 52:40
  Speaker 2: and sorting the fully funded emergency fund out would bump
• 52:43
  Speaker 2: me up a grade into.
• 52:44
  Speaker 3: That's so exciting. But I like that You've got so
• 52:46
  Speaker 3: much clarity around where you're going and what that looks like.
• 52:49
  Speaker 3: You're like, well, actually to get to an A plus.
• 52:51
  Speaker 3: Sometimes we talk to people and they're like, oh, I
• 52:53
  Speaker 3: don't know, I just don't feel good at it, and
• 52:55
  Speaker 3: it's like, well.
• 52:56
  Speaker 4: Let's make a plan you can be good at money.
• 52:58
  Speaker 3: Like being good at money isn't it up being smart
• 53:01
  Speaker 3: or having some kind of financial backing. It's just actually
• 53:04
  Speaker 3: about choosing to be good at money and then just
• 53:06
  Speaker 3: diving in, like you just choose to and there's no
• 53:09
  Speaker 3: start point that feels like the next day you've got
• 53:12
  Speaker 3: your shit together. It's literally just one day you decide
• 53:16
  Speaker 3: I'm just going to start making small snaps in the
• 53:18
  Speaker 3: right direction, and then all of a sudden, you've applied
• 53:20
  Speaker 3: for two hundred jobs, you're fifteen months in, you're moving
• 53:23
  Speaker 3: to a new area because you've finally got your dream job,
• 53:26
  Speaker 3: you get to live with your part I'm just so
• 53:28
  Speaker 3: excited about all of this for you. It's making me
• 53:31
  Speaker 3: so happy. So thank you so much for sharing this
• 53:35
  Speaker 3: journey and this story with me. I feel very very
• 53:37
  Speaker 3: privileged to have been a part of it.
• 53:39
  Speaker 2: Thank you for being available for big sister advice. Because
• 53:43
  Speaker 2: I'm the oldest, so I don't have someone to go
• 53:46
  Speaker 2: to for big sister advice.
• 53:48
  Speaker 3: I got you, I got you, and I've got everybody
• 53:50
  Speaker 3: else who wants to slide into my DMS and be like,
• 53:52
  Speaker 3: so what about this? Like I think people think that
• 53:54
  Speaker 3: because I've got like some followers or something like, oh,
• 53:57
  Speaker 3: she wouldn't want to talk born to Yeah, born to
• 54:01
  Speaker 3: give unsolicited advice.
• 54:03
  Speaker 4: That's where I thrive best.
• 54:05
  Speaker 2: I'd solicited advice advice in my opinion, and I.
• 54:08
  Speaker 3: Mean you asked for it, so like wasn't even unsolicited.
• 54:11
  Speaker 3: You solicited that advice and I gave it to you
• 54:13
  Speaker 3: for free. Anyway, guys, I think that is all we
• 54:16
  Speaker 3: have time for today, money Dorist. It has been a pleasure,
• 54:18
  Speaker 3: and I just know that the community is going to
• 54:21
  Speaker 3: love listening to this episode as much as I loved
• 54:23
  Speaker 3: recording it, so I really appreciate it. But for everybody
• 54:26
  Speaker 3: following along, we will see you right early on Wednesday
• 54:29
  Speaker 3: morning through Deep Dive.
• 54:30
  Speaker 6: Bye.
• 54:36
  Speaker 5: The advice shared on She's on the Money is general
• 54:38
  Speaker 5: in nature and does not consider your individual circumstances. She's
• 54:42
  Speaker 5: on the Money exists purely for educational purposes and should
• 54:46
  Speaker 5: not be relied upon to make an investment or financial decision.
• 54:49
  Speaker 5: If you do choose to buy a financial product, read
• 54:52
  Speaker 5: the PDS TMD and obtain appropriate financial.
• 54:55
  Speaker 4: Advice tailored towards your needs.
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  Speaker 5: Victoria Divine and She's on the Money are author representatives
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