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MONEY DIARIES: Letting Go Of Your Ego · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
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Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
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Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming
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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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Speaker 1: and the storytelling of you to make a difference for
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Speaker 1: today and lasting impact for tomorrow.
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Speaker 2: Let's get into it.
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Speaker 3: She's on the Money.
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Speaker 4: She's on the Money.
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Speaker 5: Hello, and welcome to She's on the Money, the podcast
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Speaker 5: for millennials who want financial freedom. Welcome back to another
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Speaker 5: one of our money diaries where I get the opportunity
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Speaker 5: to talk to one of our incredible She's on the
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Speaker 5: Money community members all about their journey. Let's jump straight
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Speaker 5: into it, because this week I got a message and
1:15
Speaker 5: it went like this.
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Speaker 2: HI ve growing up in.
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Speaker 5: A barefoot investor household and studying commerce, so I always
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Speaker 5: thought I had a good grip on my finances. But
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Speaker 5: after a bad and manipulative relationship I was left with
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Speaker 5: nothing in my bank account. After a year of living
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Speaker 5: on my own, I was still struggling, so I decided
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Speaker 5: to move back in with my parents. And I'm feeling
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Speaker 5: so many emotions. I would love to share my experience
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Speaker 5: of letting go of my ego and starting again. Money Diarist,
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Speaker 5: I'm really excited for this one. I think this is
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Speaker 5: going to be an epic money diary, I hope.
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Speaker 3: So I'm excited to be here.
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Speaker 2: Welcome to the show. Oh my gosh, I'm excited to
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Speaker 2: have you.
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Speaker 3: Thank you.
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Speaker 2: All right, let's dive straight into it.
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Speaker 5: The first question I always ask is moneyt If I
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Speaker 5: forced you to give your money habits a grade from
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Speaker 5: A through to F, what would you give your money habits.
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Speaker 3: I'm gonna say it's a solid B.
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Speaker 5: A solid be all right, let's learn a little bit
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Speaker 5: more about it with my favorite question of all time,
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Speaker 5: money Diarist, Can you.
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Speaker 2: Tell me a little bit more about your money story?
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Speaker 3: Sure? So, it probably would be beneficial.
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Speaker 2: To start from the start studying.
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Speaker 3: Yep, may as well. Growing up, I was always really independent.
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Speaker 3: I always had a job, and I always had money
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Speaker 3: coming through my bank account. So I guess like my
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Speaker 3: attitude towards money was really relaxed because I always knew
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Speaker 3: my bills were going to get paid. I was gonna
2:42
Speaker 3: have another paycheck comes through in the next fortnight. I
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Speaker 3: felt pretty secure and pretty laid back about everything, and
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Speaker 3: as well, like, yeah, in the environment I grew up
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Speaker 3: and I was super privileged. I had parents who were
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Speaker 3: really into the barefoot investor that changed their life. I
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Speaker 3: have a dad for an accountant, so like he is
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Speaker 3: a spreadsheet.
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Speaker 2: King, so's mine. I feel like same literally same.
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Speaker 3: Yeah, and it's like every single holiday or every single
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Speaker 3: expense is meticulously planned with a spreadsheet. So yeah, No,
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Speaker 3: I definitely had a wealth of resources around me. And
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Speaker 3: I even did a degree in commerce as well.
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Speaker 2: Ooh that's sexy.
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Speaker 3: Yeah yeah, economics and finance is my seeing.
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Speaker 2: Who just drops that?
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Speaker 5: Oh yeah, I also just did a degree in economics.
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Speaker 5: And finally, no, Biggie and I work in a bank,
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Speaker 5: so you're surrounded by money and then when you're bored,
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Speaker 5: you're like, oh my gosh, when I'm not surrounded by money,
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Speaker 5: I'm going to listen to a money podcast, right'.
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Speaker 2: I love that for you.
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Speaker 3: Yeah yeah, no, So growing up and even now, like
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Speaker 3: I just have such a wealth of resources around me,
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Speaker 3: and I know I'm very privileged in that respect to
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Speaker 3: have that, but I always was so laid back with
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Speaker 3: my finances and budgeting. I didn't really do much, if
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Speaker 3: that makes sense.
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Speaker 2: It just worked.
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Speaker 5: Is that because your parents were good at being barefoot
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Speaker 5: investor followers or like, how did that come to fruition?
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Speaker 5: Was that something that they had done since you can remember,
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Speaker 5: or did they introduce that a little bit later in life?
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Speaker 2: Like what did that look like?
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Speaker 3: I mean, I won't go too far into their money story,
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Speaker 3: but it really changed their world, Like from when I
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Speaker 3: was younger, I didn't really know too much about it,
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Speaker 3: but I definitely saw that tool change their mindset growing up.
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Speaker 3: So I saw this development and change in them over
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Speaker 3: the years. And yeah, I guess after seeing that, you know,
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Speaker 3: I thought I was exactly the same and that I
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Speaker 3: didn't really need to do any kind of budgeting or
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Speaker 3: build up a spreadsheet or anything like that. I didn't
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Speaker 3: think that that was necessary because I had all these resources.
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Speaker 5: And that kind of makes sense because once you have
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Speaker 5: been taught like a structure, and you have a solid
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Speaker 5: framework and you kind of work towards that, and that's
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Speaker 5: just kind of your default, which it's not for many right,
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Speaker 5: If that's your default, you're kind of like, well, why
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Speaker 5: would I do a budget because I already have a
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Speaker 5: really good handle of what's coming in and what's going out,
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Speaker 5: because that's just how I work. Like it's uncommon, it's
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Speaker 5: very sexy, my friend, But it's one of those things
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Speaker 5: where you're like, I don't know why I need a budget,
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Speaker 5: and then other people who might be a mountains amounts
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Speaker 5: of debt go what do you mean you don't know
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Speaker 5: if you need a budget or not. Of course you
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Speaker 5: need a budget, but it's all these different experiences where, yeah,
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Speaker 5: I find it really cool that you grew up with
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Speaker 5: the barefoot method because it is such a tried and
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Speaker 5: true method of just going, okay, well this amount goes
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Speaker 5: here and this amount goes there, and you don't have
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Speaker 5: to meticulously track it each and every single day or
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Speaker 5: even each month, but it can just work.
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Speaker 2: Is that still how you work when it comes to money?
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Speaker 3: Definitely not. I'm definitely in a discovery phase, i'd say,
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Speaker 3: of what works and what doesn't and actually being open
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Speaker 3: to different resources to try to figure out what am
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Speaker 3: I like working towards and how can I get there
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Speaker 3: with something that works for how I operate? I guess yeah.
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Speaker 5: Now this is a really pointed question, because please don't
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Speaker 5: get me wrong, I actually really like the Barefoot method,
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Speaker 5: but I find it was written for a demographic of
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Speaker 5: people that are not you. Yeah, you look young and
6:32
Speaker 5: quite early in your journey, and I feel like the
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Speaker 5: Barefoot method was really written for people who potentially are
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Speaker 5: already parents, who have the goal of owning their own
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Speaker 5: home and paying it off before retirement and retiring comfortably,
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Speaker 5: maybe with a pension, because obviously that's part of the
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Speaker 5: Barefoot journey. If you can get that, then that is
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Speaker 5: kind of helpful. But I find from my experience within
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Speaker 5: the Sheese on the Money community, those buckets and the
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Speaker 5: percentages just don't work for our community in the same
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Speaker 5: way that they might work for a different generation, Which
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Speaker 5: doesn't mean they're wrong, It just means we might want
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Speaker 5: different things. Is that where you're finding I guess things
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Speaker 5: starting to come to a grinding holt or like, what's
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Speaker 5: prompting you to want different resources?
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Speaker 3: Yeah? I mean I tried this method, or my version
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Speaker 3: of this method, because I had a bit of an ego,
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Speaker 3: so I kind of half did it, and it just
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Speaker 3: wasn't working. I wasn't seeing results for me. And then
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Speaker 3: I went through a pretty rough relationship where I just
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Speaker 3: used all my buckets because I thought that, you know,
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Speaker 3: if there's still money coming through the door, I can
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Speaker 3: just replenish the bucket if that makes sense, Like next fortnight,
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Speaker 3: I'll just you know, cover what I took out of
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Speaker 3: that bucket and it'll all be okay.
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Speaker 5: And how did that end up impacting your decision to
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Speaker 5: move back in Financially things weren't going well. Can you
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Speaker 5: tell me a bit more about that? And I guess
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Speaker 5: how that plays into your money story.
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Speaker 3: Yeah, of course. So when I left that relationship, I
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Speaker 3: moved into an apartment on my own and I thought, okay, great,
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Speaker 3: finally I'm not tied to that anymore. I can save
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Speaker 3: I can have full autonomy of my money. And you know,
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Speaker 3: I lived there for a year and I just found
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Speaker 3: out very quickly that I was spending a lot of
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Speaker 3: money to kind of instantly satisfy myself and that instant gratification,
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Speaker 3: and that I actually wasn't saving very much at all,
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Speaker 3: in fact, very little. And I was looking at the
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Speaker 3: rent prices and like I could afford one hundred and
8:48
Speaker 3: fifty dollars extra than what I was paying before. But
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Speaker 3: should I like? That was the question, and so yeah,
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Speaker 3: I had to chat with my parents and just decided
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Speaker 3: that it'd be best if I, you know, move back home,
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Speaker 3: have have a bit of time to settle and really
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Speaker 3: reevaluate what I want to do. What are my goals?
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Speaker 3: Those big questions.
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Speaker 2: I love that.
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Speaker 5: Can you tell me a little bit more about what
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Speaker 5: you do for work and how much money you earn?
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Speaker 5: I know you dropped just before. I work in a bank,
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Speaker 5: but I'm going to need more than that bad of course.
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Speaker 3: Of course. So I'm a credit risk analyst for a
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Speaker 3: bank and I earn about eighty two thousand plus a
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Speaker 3: bonus once a year, and that's depending on performance.
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Speaker 2: Ooh, how good's that? What does a bonus often look like?
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Speaker 5: Is that like a thousand dollars or is it you know,
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Speaker 5: more than that, or is it like fifty bucks and
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Speaker 5: a gift card?
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Speaker 2: And you know, because they're different levels, my friend.
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Speaker 3: Fair fair, I'd say it's between one thousand to ten
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Speaker 3: thousand pre tax before ooh, very.
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Speaker 5: Nass, just depending on performance of the company and your
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Speaker 5: performance and stuff like that.
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Speaker 3: Yeah, yeah, exactly right.
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Speaker 2: How fun?
9:59
Speaker 1: All right?
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Speaker 5: I want to obviously you've moved back in with your
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Speaker 5: parents to like re establish your goals and work out
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Speaker 5: what you're actually going to do and what is important
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Speaker 5: to you.
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Speaker 2: But do you have a big money goal? If so,
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Speaker 2: what is it? What are we working towards?
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Speaker 3: Yeah, so probably in the short term paying for dental
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Speaker 3: work that's expensive, so saving up for a lot of
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Speaker 3: dental work that I've wanted to get done for ages
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Speaker 3: and doing a bit of travel as well. But long term,
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Speaker 3: we're still in the discovery phase of what I want
10:29
Speaker 3: to achieve. So watch this space.
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Speaker 5: I love that dental work is honestly so expensive. Like
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Speaker 5: I feel like people look at me and they go, Victoria,
10:38
Speaker 5: you wouldn't have needed significant dental work, but I did,
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Speaker 5: and it cost literally tens of.
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Speaker 2: Thousands of dollars.
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Speaker 5: And I'm still looking in the mirror being like kind
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Speaker 5: of same though, I don't know where we're going with this.
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Speaker 2: It's so expensive.
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Speaker 5: Is this something that's going to cost you two or
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Speaker 5: ten or twenty grand? What are we saving up for here?
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Speaker 3: I'm estimating around seven at the moment. Yeah, it's so expensive,
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Speaker 3: and I don't know how much I'm going to get
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Speaker 3: back on from like private health cover, but yeah, saving
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Speaker 3: for that, it.
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Speaker 5: All adds up. All right, I've got heaps of questions.
11:15
Speaker 5: Let's go to a really quick break and on the
11:17
Speaker 5: flip side. I want to know about your investments. I
11:19
Speaker 5: want to know about debt. I want to know about
11:21
Speaker 5: best and worse money habits. Guys don't go anywhere. All right,
11:28
Speaker 5: money Diarist, we are back, and I am really enjoying this.
11:32
Speaker 5: I feel like I can really connect with you because
11:34
Speaker 5: the second you said I have an accountant as a
11:36
Speaker 5: dad and he's obsessed with spreadsheets. I was like, yeah, babe, same, same,
11:40
Speaker 5: Like if anything happens in my life, my dad's like, oh, yeah,
11:43
Speaker 5: we can make a spreadsheet for that. That's no worries,
11:46
Speaker 5: Like we can work it out. I talk about my
11:48
Speaker 5: house hindos, He's like, oh, can I see a spreadsheet
11:50
Speaker 5: for that. I talk about, you know, potentially having babies.
11:52
Speaker 5: He's like, are you tracking all of that? Yeah, of
11:54
Speaker 5: course I am.
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Speaker 2: Don't worry, Dad, don't worry. I've got you.
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Speaker 5: So I want to know about invest If you grew
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Speaker 5: up in the barefoot investor household, you would know that
12:05
Speaker 5: Scottie Pape loves a bit of an index fund. Are
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Speaker 5: you investing, If so, what in If not, what are
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Speaker 5: your thoughts.
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Speaker 3: I'm actually not currently investing at the moment, and it's
12:17
Speaker 3: probably for a reason that not many people would experience.
12:21
Speaker 3: With my job, were actually considered privileged in terms of information.
12:27
Speaker 3: So if anyone doesn't really know what that means, it
12:30
Speaker 3: means that the information that I get to hear is
12:34
Speaker 3: quite influential in terms of the stock market. So anything
12:38
Speaker 3: that I invest in, if I invest in something a
12:41
Speaker 3: bit sus it could be considered inside trading, which is
12:45
Speaker 3: very bad. So the reason I haven't invested yet is
12:48
Speaker 3: because all of my investments would be tracked and I'd
12:51
Speaker 3: actually have to get approval from HAH before I do anything.
12:55
Speaker 3: So it's like another barrier for investing. It's not because
12:59
Speaker 3: I I don't want to, it's just because I don't
13:02
Speaker 3: want to go through that process.
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Speaker 2: That's absolutely fair.
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Speaker 5: I have had a couple of friends in that situation
13:08
Speaker 5: and I found that their favorite way of I won't
13:11
Speaker 5: say getting out of it, but just circumventing how complex
13:16
Speaker 5: that can be, is going with an ETF or a
13:18
Speaker 5: managed fund or something where it's kind of the decision
13:21
Speaker 5: making process is out of your hands. It's not you
13:24
Speaker 5: going and buying individual shares. But if you want to
13:26
Speaker 5: have a coffee and a chat later and you want
13:28
Speaker 5: to tell me all of the top secreted information that
13:30
Speaker 5: you have, I'm so down for that. And I promise
13:33
Speaker 5: I'll cross my fingers and put them under the table now.
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Speaker 5: I won't do anything with the information.
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Speaker 3: It might be the last coffee I have, Victoria, I mean,
13:43
Speaker 3: maybe worth it for me.
13:46
Speaker 5: I kid, I kid. I want to know about debt.
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Speaker 5: Now tell me are you in debt? If so, what for?
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Speaker 2: And if not? Have you been in debt before?
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Speaker 1: Ah?
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Speaker 3: Yeah, I did have a car loan which I paid
13:59
Speaker 3: off about a year ago, so that was seven grand.
14:03
Speaker 3: I was really happy when I did that. Such an accomplishment.
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Speaker 2: It feels good. Hey, the second you get rid of it,
14:08
Speaker 2: you're like, yes, and I.
14:10
Speaker 3: Can finally appreciate my car.
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Speaker 5: Yeah. It doesn't feel like a debt when you get
14:14
Speaker 5: into it and you're like not feeling as though, oh
14:17
Speaker 5: this is lauding over me.
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Speaker 3: Yeah. Yeah. But other than that, I just have my
14:22
Speaker 3: hex debt remaining, which is thirty two grand.
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Speaker 5: And is this because you grew up in a household
14:27
Speaker 5: where debt was not something that you took on. Or
14:30
Speaker 5: is this just you know it never came up or
14:32
Speaker 5: I want to know a bit more about I guess
14:34
Speaker 5: the decision making process because, as you said before, you
14:37
Speaker 5: were like, oh.
14:38
Speaker 2: I have You're acknowledging.
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Speaker 5: I have so many resources and I'm really privileged, and
14:43
Speaker 5: I feel like that's an epic position to be in.
14:45
Speaker 5: But I also have a sneaky feeling that means you
14:47
Speaker 5: knew about.
14:47
Speaker 2: Debt before it could get you.
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Speaker 3: Yeah. I mean I feel okay about debt, but in
14:53
Speaker 3: the right way. I know that if I had a
14:56
Speaker 3: credit card, I would spend all that money. I just
14:59
Speaker 3: know that about myself now. And I've seen others in
15:02
Speaker 3: my circle of influence who've you know, had access to debt,
15:07
Speaker 3: and really it just not end well for them. So
15:10
Speaker 3: I'm a little bit apprehensive when it comes to loans now.
15:13
Speaker 3: I really consider every option before going down the debt route,
15:18
Speaker 3: just because I've seen how bad it can get with
15:20
Speaker 3: some of my friends.
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Speaker 2: Yeah, it's crazy, all right.
15:23
Speaker 5: I want to know, because I feel like you've given
15:25
Speaker 5: some pretty good money habits thus far. What do you
15:28
Speaker 5: think your best money habit is.
15:30
Speaker 3: Oh yeah, my best money habit is I don't do cash.
15:34
Speaker 2: You don't do cash.
15:36
Speaker 3: I don't do cash. And what happens is if I'm say,
15:40
Speaker 3: I shouted my mate of coffee and she hands me
15:43
Speaker 3: a five dollar note as you know payment, I won't
15:47
Speaker 3: use that five dollar note. I'll just put it in
15:49
Speaker 3: a little piggybank that I have at home, and I'll
15:52
Speaker 3: just cover the cost of that coffee.
15:54
Speaker 2: And then what do you do with the money in
15:55
Speaker 2: a piggybank? Though, I need to know. There's so many
15:57
Speaker 2: questions they're not answered.
15:59
Speaker 3: It's just an im agency fun. It's just I let
16:02
Speaker 3: it sit there. If it gets to about five hundred dollars,
16:04
Speaker 3: I'll put it in the bank.
16:05
Speaker 2: Oh how good.
16:07
Speaker 3: Yeah?
16:08
Speaker 2: And how often does that happen?
16:09
Speaker 5: Like how often are you collecting cash that you refuse
16:12
Speaker 5: to spend.
16:13
Speaker 3: I'd say like probably once a month. I mean it
16:16
Speaker 3: comes and goes like Christmas time, when I have, say
16:19
Speaker 3: cash from the grandparents.
16:21
Speaker 2: Yeah, that adds up quickly.
16:22
Speaker 3: Yeah exactly. Or if I'm selling something on marketplace, you'll
16:25
Speaker 3: get handed cash and yeah, I just I don't use
16:28
Speaker 3: it and I'll cover the cost.
16:30
Speaker 2: I love that.
16:31
Speaker 5: I wish you could teach me that as a habit.
16:34
Speaker 5: I have this massive toxic trait where if someone hands
16:37
Speaker 5: me cash, I'm like, that's free money, that's free money.
16:40
Speaker 5: I don't have it, and if I spend it, my
16:42
Speaker 5: bank account does not go down. Twenty dollars on fish bowl. Yep,
16:47
Speaker 5: that's fine, it was free, that's absolutely fine. I'm shouting
16:50
Speaker 5: everybody coffees. Yeah, if I have cash, I will literally
16:54
Speaker 5: waste it. So if you give me cash, it's like
16:56
Speaker 5: the most toxic thing ever. I would never work well
16:59
Speaker 5: on those envelope systems that people have because I'd be like, well,
17:02
Speaker 5: now I've just got a heap of envelopes full of
17:04
Speaker 5: free money.
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Speaker 2: I'm just going to spend it. Useless, absolutely useless. That's
17:09
Speaker 2: my toxic trait. But I need to know yours. What
17:11
Speaker 2: is your worst money? Have it, my friend?
17:15
Speaker 3: My toxic trait is definitely that instant gratification spending. Like
17:19
Speaker 3: I get so excited if I find one pair of pants,
17:23
Speaker 3: I have to buy three. It says a fifty percent
17:26
Speaker 3: off sale. I have to spend four hundred dollars. It's bad,
17:30
Speaker 3: but I'm getting better, and I at least can identify
17:33
Speaker 3: that it's bad spending, and now I'm slowly trying to
17:36
Speaker 3: reduce that.
17:37
Speaker 2: I feel like I can really relate to you.
17:39
Speaker 5: If there is something that I love, like you said before,
17:42
Speaker 5: a pair of pants and they come in other colors,
17:44
Speaker 5: I'll convince myself I need them even if I don't
17:46
Speaker 5: wear those colors.
17:47
Speaker 2: Oh yeah, I'll be like, these are the best pants
17:49
Speaker 2: in the entire world. Do you know what They'll be
17:50
Speaker 2: better in beije. It's stunning. Oh my gosh, I love
17:54
Speaker 2: that so much.
17:55
Speaker 5: I feel like I have learned a heap about you
17:58
Speaker 5: and what you've gone through, and I kind of love
18:01
Speaker 5: that you grew.
18:01
Speaker 2: Up as a barefoot investor kid.
18:02
Speaker 5: But you're also like, I still am not sure what
18:05
Speaker 5: it is going on when it comes to money.
18:07
Speaker 2: I want to know now.
18:08
Speaker 5: At the start of this, you told me that you
18:11
Speaker 5: were a bee. You said I rate my money habits
18:13
Speaker 5: a B. But then I feel like you've just got
18:16
Speaker 5: this epic amount of self reflection and you've been able
18:18
Speaker 5: to put you know, you said you had an ego.
18:20
Speaker 2: I have not picked up on that at all.
18:22
Speaker 5: Maybe I think you're just deciding that you've got an ego,
18:25
Speaker 5: because if anyone in this conversation has an ego, Baby,
18:27
Speaker 5: it's me sorry, and there's not enough room in this
18:30
Speaker 5: conversation for both of us to have one. But I
18:33
Speaker 5: feel like you've just gone through so many good money
18:35
Speaker 5: habits and talking about debt and having only had your
18:38
Speaker 5: car loan but paying that off, and this massive decision
18:41
Speaker 5: to move back in with your parents, because even though
18:43
Speaker 5: that can be a massive struggle, it's obviously, you know,
18:46
Speaker 5: a step backwards to go two, three, five ken steps forwards.
18:50
Speaker 2: In the future.
18:51
Speaker 5: And even though you're not super clear on what your
18:54
Speaker 5: big money goal is right now, I feel like whatever
18:57
Speaker 5: it is is going to be so much more achievable
19:00
Speaker 5: now because of the past work that you've done. Do
19:03
Speaker 5: you think, now having had this conversation, that you're a
19:07
Speaker 5: B when it comes to money?
19:09
Speaker 3: I think maybe a B plus. I think you have
19:11
Speaker 3: inflated my ego, even if you're not picking up on it.
19:14
Speaker 3: Thank you very much. You're welcome.
19:16
Speaker 2: You're welcome here or.
19:17
Speaker 3: Dam it queen supporting queens? Thank you. Yeah, I think
19:22
Speaker 3: maybe a B plus. Like I said, I still I'm
19:25
Speaker 3: in a very discovery phase of what I'm trying to achieve,
19:28
Speaker 3: and at least now that I have the breathing space
19:31
Speaker 3: to figure that out. The grade will go up. I
19:33
Speaker 3: definitely believe the grade will go up in the foreseeable future.
19:37
Speaker 5: What steps do you think you would have to take
19:39
Speaker 5: to get to an A plus?
19:41
Speaker 2: What would that actually look like?
19:42
Speaker 5: Is that more around goal setting or is that more
19:45
Speaker 5: around I guess, actual financial change.
19:48
Speaker 3: Yeah, I definitely want to unlearn my spending behaviors because
19:53
Speaker 3: right now it's still very much that instant gratification. So
19:56
Speaker 3: I'm in the process of unlearning that and learning to
19:59
Speaker 3: not get at that excitement of purchasing things and getting
20:04
Speaker 3: really excited for two seconds. So that definitely, and also
20:08
Speaker 3: having a long term savings goal. I have some short
20:10
Speaker 3: term ones, but having like smart long term goals.
20:13
Speaker 5: Love all right, oh my gosh, unfortunately that is all
20:16
Speaker 5: we have time for today, but money, Diarist. It has
20:20
Speaker 5: been an absolute pleasure getting to know you and learn
20:22
Speaker 5: a little bit more about your story. I feel like
20:25
Speaker 5: it might give some other people a lot of permission
20:28
Speaker 5: to maybe make similar decisions that put themselves in the
20:31
Speaker 5: best possible financial position, even if it means putting your ego.
20:35
Speaker 2: Aside for a moment.
20:37
Speaker 5: Yeah, definitely, thank you so much for coming on Thanks Victoria.
20:47
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20:49
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21:06
Speaker 2: Advice tailored towards your needs.
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Speaker 6: of Money sherper P T Y lt D A b
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Speaker 6: N three two one six four nine two seven seven
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Speaker 6: zero eight afs L four five one two eight nine