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How to Keep Up with Friends Without Falling Behind Financially · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor
• 0:04
  Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it. She's on the Money. She's on
• 0:36
  Speaker 2: the Money. Hello and welcome to She's on the Money
• 1:00
  Speaker 2: podcast that makes personal finance fun, especially on Fridays. It's
• 1:04
  Speaker 2: our favorite day of the week today because we get
• 1:07
  Speaker 2: the team together and celebrate you our incredible She's on
• 1:10
  Speaker 2: the Money community today, mister Gorici's going to be sharing
• 1:13
  Speaker 2: our favorite money wins. Our co host Beck is going
• 1:17
  Speaker 2: to be sharing her favorite broke tips, and we're going
• 1:20
  Speaker 2: to be helping to answer a cheeky money dilemma which
• 1:23
  Speaker 2: is all about navigating a mortgage when you're a sex
• 1:25
  Speaker 2: worker and something that you're leading into our dms about
• 1:27
  Speaker 2: this week is the fallout of falling victim for Fomo spending,
• 1:31
  Speaker 2: which I think everyone at this stable can relate to.
• 1:34
  Speaker 2: Let's be honest and man, Bin done that my friends.
• 1:38
  Speaker 2: Before we get there, though, we have started reading out
• 1:41
  Speaker 2: our favorite five star reviews on the podcast. Beck, what
• 1:46
  Speaker 2: was your favorite five star review that you saw in
• 1:49
  Speaker 2: our reviews this week? Cool? Okay?
• 1:51
  Speaker 3: So this one comes from Nat. She says, honestly, love
• 1:54
  Speaker 3: this party has taught me so much about finance, helped
• 1:57
  Speaker 3: me build confidence when making financial decisions.
• 2:00
  Speaker 2: And then the She's on Money.
• 2:01
  Speaker 3: Team honestly feel like girlfriends and your own circle of mates.
• 2:05
  Speaker 3: We are your friends, so sweet.
• 2:07
  Speaker 2: We are just friends who haven't met yet. Of course
• 2:09
  Speaker 2: that's really cute.
• 2:12
  Speaker 4: My one this week is from Fee, who said I've
• 2:14
  Speaker 4: listened to almost every episode and I'm still loving it
• 2:16
  Speaker 4: and learning new things every time. It has absolutely inspired
• 2:20
  Speaker 4: me to make so many positive changes. Over the years,
• 2:23
  Speaker 4: the podcast has evolved and kept fresh. The current format
• 2:26
  Speaker 4: is the perfect balance. I love the controversial opinions on
• 2:29
  Speaker 4: topics and the differing viewpoints of the team, especially Beck.
• 2:33
  Speaker 4: More Beck airtime. Please, Oh my god, Oh my.
• 2:37
  Speaker 2: God, that has literally made my heart race. You are
• 2:41
  Speaker 2: so cute today warning you deserve a good day today too,
• 2:46
  Speaker 2: Thank you. I love it all right. So I don't
• 2:48
  Speaker 2: have a name for this one because the person who
• 2:51
  Speaker 2: wrote in actually has a username that is binary code,
• 2:53
  Speaker 2: which I really like, and I think what I'm going
• 2:56
  Speaker 2: to do is translate that later. But I think they're sneaky.
• 3:01
  Speaker 2: So here's the review. Are you ready? It's so cute.
• 3:03
  Speaker 2: I started listening about a year ago, and within just
• 3:06
  Speaker 2: one year, the main difference it made was the confidence
• 3:09
  Speaker 2: in my ability to change my financial habits. I had
• 3:11
  Speaker 2: a mental block and was avoiding the topic of finances
• 3:14
  Speaker 2: because I'm used to being a smarty pants at everything
• 3:17
  Speaker 2: else loll. I felt embarrassed that I had this gap
• 3:20
  Speaker 2: in my knowledge, and I thought it was just that
• 3:22
  Speaker 2: I didn't have the brain for financial stuff. Boy was
• 3:25
  Speaker 2: I wrong. Because of the WayV and the team have
• 3:28
  Speaker 2: made this content so approachable and relatable, I've been able
• 3:31
  Speaker 2: to self reflect on my money story and improve my habits,
• 3:34
  Speaker 2: and now I'm in a financially secure and resilient place.
• 3:37
  Speaker 2: I've even passed on the info to my teen nieces
• 3:40
  Speaker 2: and nephews and they've been able to set themselves up
• 3:43
  Speaker 2: so well, right from the age of fifteen when they
• 3:46
  Speaker 2: got their first jobs. You've done wonders for my whole family.
• 3:50
  Speaker 2: The impact is just going to multiply now. I mainly
• 3:53
  Speaker 2: just listen because I like surrounding myself with positive energy
• 3:56
  Speaker 2: and I love how you all interact and relate to
• 3:58
  Speaker 2: each other. It's just so that's awesome. Thank you for everything.
• 4:02
  Speaker 2: Is really nice. Lot, Yeah, that's really sweet. Be did
• 4:06
  Speaker 2: you write that? Yes? I love it. I feel like
• 4:11
  Speaker 2: it has been such a good week reading through all
• 4:14
  Speaker 2: the positive reviews, like making finance fun is literally my
• 4:17
  Speaker 2: favorite thing ever. But you know what else is my favorite?
• 4:20
  Speaker 2: The community obviously, Like this community is literally only cool
• 4:25
  Speaker 2: because of them. So miss jessic Ricci. When it comes
• 4:27
  Speaker 2: to money, wins and confessions, what are you bringing to
• 4:29
  Speaker 2: the table?
• 4:30
  Speaker 4: Alrighty, first, when this week I have comes from Sammy
• 4:33
  Speaker 4: who said she canceled her subscription to the Flow app
• 4:36
  Speaker 4: after the free trial had concluded, and responded saying that
• 4:39
  Speaker 4: it was out of her budget because it's about one
• 4:41
  Speaker 4: hundred and twenty bucks a year. Yeah, it does get
• 4:42
  Speaker 4: spano a bit expensive. However, Flow came back and offered
• 4:46
  Speaker 4: her an annual subscription for twenty bucks. No, they did
• 4:50
  Speaker 4: kind Yeah, so that I feel like is incredible.
• 4:54
  Speaker 2: And Flow is going to be like, why are you
• 4:55
  Speaker 2: reading this on the podcast? We have this influx of
• 4:59
  Speaker 2: people emailing well, I mean flow, money, isn't it? Flow?
• 5:03
  Speaker 2: You're probably going to get some new clients out of this.
• 5:05
  Speaker 2: Absolutely flow too, So I get it. I like it.
• 5:08
  Speaker 4: There you go next, I've got no money you win
• 5:10
  Speaker 4: from Emily. It's a good it's a money needed, a
• 5:12
  Speaker 4: good little fyi. Emily said she's been stocking up when
• 5:16
  Speaker 4: period and general hygiene products are on half priced hail
• 5:20
  Speaker 4: from chemists and the supermarkets. How we've spoken about how
• 5:23
  Speaker 4: they run on that annual cycle because the Share the
• 5:25
  Speaker 4: Dignity Drive is coming, yes, which is something that I
• 5:28
  Speaker 4: know that we've all donated to before. If if you
• 5:30
  Speaker 4: don't know Share the Dignity too, maundif I shout them
• 5:32
  Speaker 4: out quickly, of course, I don't mind if you don't know.
• 5:35
  Speaker 4: Share the Dignity are a great organization. They provide period
• 5:39
  Speaker 4: and healthcare products to women who need it. Obviously, cost
• 5:42
  Speaker 4: of living is hitting people really really hard. The drive
• 5:44
  Speaker 4: starts in November, so what Emily's done is she's getting
• 5:47
  Speaker 4: in early. She's stockpiling half price and putting it aside
• 5:51
  Speaker 4: so she can then donate it once the drive starts.
• 5:53
  Speaker 2: That's really sweet.
• 5:54
  Speaker 4: I know that we're all struck for cash, but if
• 5:55
  Speaker 4: you do want to contribute, you've got a little bit
• 5:57
  Speaker 4: of extra room in your budget. Maybe you want to
• 5:59
  Speaker 4: spend your flybysts or your every day Rewards points on some.
• 6:02
  Speaker 2: Everyday rewards points would be perfect for that. And when
• 6:05
  Speaker 2: I was going through the Woolies checkout the other day,
• 6:07
  Speaker 2: I scanned my card and it was like, do you
• 6:08
  Speaker 2: want to use your ten percent off on this purchase?
• 6:10
  Speaker 2: And I was like, no, one must save it for
• 6:12
  Speaker 2: a bigger purchase. But maybe that's when you save an
• 6:15
  Speaker 2: extra ten percent off. Yeah, double down on the disc.
• 6:18
  Speaker 2: Your self control is really something like i'd.
• 6:21
  Speaker 4: Be hitting.
• 6:23
  Speaker 2: Off now when my like total is like forty dollars.
• 6:26
  Speaker 2: I want ten percent off when I'm at the supermarket
• 6:28
  Speaker 2: spending one hundred and eighty bucks. Yeahs've got to be
• 6:30
  Speaker 2: You've got to be smart about totally.
• 6:33
  Speaker 4: So a great little reminder and a very smart idea
• 6:35
  Speaker 4: from our friend Emily. Next, I've got a money loss
• 6:38
  Speaker 4: and a money win from Melissa Money lost her fridge
• 6:40
  Speaker 4: carked it over the weekend rip. Oh there's so expensive,
• 6:44
  Speaker 4: so annoyed, and she lost all the food in the
• 6:46
  Speaker 4: fridge and freezer to spend one point three k on
• 6:49
  Speaker 4: a new one, she said, money Win. Though always asked
• 6:52
  Speaker 4: for a deal, the worst they can say is no.
• 6:54
  Speaker 4: They gave her an extra hundred bucks off because she
• 6:56
  Speaker 4: asked them if they could, and they said yes, and
• 6:59
  Speaker 4: then they got ten percent back on the total price
• 7:01
  Speaker 4: through promotion.
• 7:02
  Speaker 2: Money Win. And also like that hundred bucks they can
• 7:06
  Speaker 2: go to water stock in your freeze all the food
• 7:08
  Speaker 2: that you lost. I hate to think about how much
• 7:11
  Speaker 2: that food would have been worth as well, because I
• 7:13
  Speaker 2: don't know about you guys, but like if something's a
• 7:15
  Speaker 2: little bit more expensive, like say we've bought steak and
• 7:18
  Speaker 2: I'm like, oh, we haven't actually cooked that into the freezer.
• 7:21
  Speaker 2: She goes immediately into the I'm gonna freeze it, Like
• 7:24
  Speaker 2: I don't want that stuff to go to waste because
• 7:26
  Speaker 2: it's like a little bit more expensive. The broccoli that
• 7:29
  Speaker 2: looks a little bit limp in my vegetable crisp bethough
• 7:31
  Speaker 2: that never makes it to the freezer. So I feel
• 7:34
  Speaker 2: like my freezer. It's like the expensive part of my kitchen. Really,
• 7:38
  Speaker 2: I want that to go to waste. There is also
• 7:41
  Speaker 2: no worse smell than.
• 7:47
  Speaker 5: You're out.
• 7:49
  Speaker 4: Next, I've got a money win from Penny, who said
• 7:51
  Speaker 4: she went to her favorite bar with a friend. They
• 7:52
  Speaker 4: got a glass of winy. When they went to pay,
• 7:55
  Speaker 4: the bartender said that somebody had anonymously donated five hundred
• 7:58
  Speaker 4: bucks towards a venue wide tab, so they each got
• 8:01
  Speaker 4: their glasses one for free.
• 8:02
  Speaker 2: Do you cute?
• 8:04
  Speaker 4: Do you ever fantasize about having enough money to be
• 8:06
  Speaker 4: able to do it like pay? You go to a
• 8:08
  Speaker 4: coffee shop and say, hey, like for every service worker
• 8:10
  Speaker 4: that comes in, like pay for their coffee for the day.
• 8:12
  Speaker 2: Should do that. We should do my dream. We should
• 8:15
  Speaker 2: We should find a cafe that's local and do that
• 8:18
  Speaker 2: for a day. We're like coffees are on sheese on
• 8:20
  Speaker 2: the money. Yeah, I feel so fun. Yeah.
• 8:24
  Speaker 3: Oh I'd love to just like look across the bar
• 8:26
  Speaker 3: one day and be like, I'm going to pay for
• 8:28
  Speaker 3: those girls.
• 8:29
  Speaker 2: Literally reason creepy men in the bar, like I see
• 8:36
  Speaker 2: you Jessica to tell her these drinks on me, and
• 8:40
  Speaker 2: Josica's like, please send it back.
• 8:42
  Speaker 4: I will not be accepting that, but thank you so much. Next,
• 8:44
  Speaker 4: I've got the money from Christie who said she saw
• 8:47
  Speaker 4: vd's real about the Core special and she signed up
• 8:51
  Speaker 4: four days before they went on a trip, and they
• 8:52
  Speaker 4: say fifty percent. Actually some meals at the restaurant and they.
• 8:55
  Speaker 2: Got two free drinks.
• 8:56
  Speaker 4: They also told the accommodation when they booked how excited
• 8:59
  Speaker 4: that she to be staying. Next it was their anniversary
• 9:01
  Speaker 4: and they.
• 9:01
  Speaker 2: Got a bottle of bubbles on arrival. Oh my gosh,
• 9:04
  Speaker 2: I love a mouthful that I'm about to go stay
• 9:07
  Speaker 2: in Queensland. This is not sponsored, by the way, this
• 9:09
  Speaker 2: is just us talking about a good money wan. I'm
• 9:11
  Speaker 2: about to go stay in Queensland. And I literally made
• 9:14
  Speaker 2: sure like three times that I'd put my Core membership
• 9:17
  Speaker 2: in because I know that the place that we're staying
• 9:19
  Speaker 2: in Queensland there's like it's like kind of a resort.
• 9:22
  Speaker 2: I'm going to get fifty percent off my meals, Like
• 9:24
  Speaker 2: I'm not missing out on that. I'm going to make
• 9:26
  Speaker 2: sure that I have that. I've not only entered it
• 9:28
  Speaker 2: where they asked me, do you have an a Core
• 9:29
  Speaker 2: membership what's a number? I was like, yeah, I have it,
• 9:31
  Speaker 2: but I also made sure I put it in the
• 9:33
  Speaker 2: notes of my booking because I was like, don't miss this,
• 9:37
  Speaker 2: just like rock up with a shirt with the like
• 9:40
  Speaker 2: print my core membership number and be like, did you
• 9:42
  Speaker 2: see this.
• 9:43
  Speaker 4: Just in case, just and I know people are gonna
• 9:46
  Speaker 4: have questions if they've missed the real So we did
• 9:47
  Speaker 4: a blog post on it this week.
• 9:48
  Speaker 2: If you want to go there, that bit maybe is sponsored,
• 9:52
  Speaker 2: but my commentary has not had no clue. Sorry a
• 9:55
  Speaker 2: corps absolutely.
• 9:56
  Speaker 4: And then last of this week, I have one more
• 9:58
  Speaker 4: money lost turned money again from Amy.
• 10:01
  Speaker 2: She lost her purse which had her open card in.
• 10:03
  Speaker 4: It, which is I think the Sydney want to a
• 10:05
  Speaker 4: Mikey and she said, spoiler alert, I will claim it
• 10:08
  Speaker 4: today from the depot because a kind, harder person gave
• 10:10
  Speaker 4: it in, which is very lucky. Thank you to that person.
• 10:13
  Speaker 2: But she's so nice.
• 10:15
  Speaker 4: She went to get a new Opal card and she
• 10:17
  Speaker 4: was able to transfer the balance off of her old one.
• 10:20
  Speaker 4: Oh that's so good, which was lucky because she had
• 10:22
  Speaker 4: one hundred and thirty bucks on there.
• 10:23
  Speaker 2: So that's why you should always register your hot ak
• 10:26
  Speaker 2: so like always register your public transport cards because if
• 10:30
  Speaker 2: that's the case, you can cancel your old one and
• 10:32
  Speaker 2: have the balance shift over you wrote the lacy cash.
• 10:35
  Speaker 2: Also funny side note, I was in Sydney this week
• 10:39
  Speaker 2: speaking at south By Southwest with that so amazing. That
• 10:45
  Speaker 2: is really cool, actually elite, and I got a notification
• 10:47
  Speaker 2: on the plane as we were landing from my bank
• 10:49
  Speaker 2: and it said, hey, did you know you can use
• 10:52
  Speaker 2: your bank card for public transport now? So like in Sydney,
• 10:56
  Speaker 2: you don't need your Opal card, you can just type
• 10:58
  Speaker 2: your bank card. Yeah, but look at my bank shoving
• 11:02
  Speaker 2: it in my face. You can only do this in
• 11:04
  Speaker 2: New South Wales. Victoria hasn't caught up yet. That's so
• 11:08
  Speaker 2: annoying because the other day I wanted to catch the
• 11:10
  Speaker 2: tram but I couldn't find a Mikey because I don't
• 11:13
  Speaker 2: usually catch the tram. Yeah yeah, but you know what
• 11:18
  Speaker 2: I mean, Like it was actually I walked, so it
• 11:20
  Speaker 2: wasn't the end of the world. And it's like the
• 11:21
  Speaker 2: biggest first world problem ever. But I was like, how
• 11:24
  Speaker 2: much simpler would it be if I could just tap
• 11:26
  Speaker 2: my Apple pay. Yeah, anyway, he's got to catch up.
• 11:29
  Speaker 2: Come a Mikey, Come on, Mikey, We've got Android. I
• 11:32
  Speaker 2: just want to say, I just want to put that
• 11:33
  Speaker 2: out there. You can with Android. It must be nice,
• 11:35
  Speaker 2: it must be nice. I live in the cult that
• 11:38
  Speaker 2: is the Apple units there. Yeah, so anyway, tell me
• 11:42
  Speaker 2: what broke tips have you got for us this week? There? Yes, okay,
• 11:45
  Speaker 2: So this first one comes from Kisser. I love that kissing.
• 11:51
  Speaker 2: I know that sounds like I'm made of yours.
• 11:56
  Speaker 3: Kisses are now waiting for me, So I'd better make
• 11:58
  Speaker 3: this quick. So Kisser says, join bunch. This is through Woolwords.
• 12:03
  Speaker 3: So I did google it because this one came in
• 12:05
  Speaker 3: very very recently.
• 12:06
  Speaker 2: Yeah before. It's just fresh, just fresh, and so I
• 12:09
  Speaker 2: googled it.
• 12:09
  Speaker 3: It looks like it's like taste testing free food, free
• 12:14
  Speaker 3: treats through Woolwords. You have to join though, and when
• 12:17
  Speaker 3: I google it, it did say the right capacity. So
• 12:20
  Speaker 3: just keeps checking, keep an eye on it, keep checking.
• 12:24
  Speaker 2: Do try and join.
• 12:25
  Speaker 3: I feel like there are otherwise you can maybe just
• 12:26
  Speaker 3: like email them and maybe go on a wait list.
• 12:28
  Speaker 2: So surely there's something like that. Corl's have an equivalent
• 12:31
  Speaker 2: to I think it's called Cole's Circle. Okay, that's great
• 12:35
  Speaker 2: to know. Cool's circle. Kelle Ween would like some free stuff.
• 12:37
  Speaker 2: Thank you, thank you. So I think that's a great one.
• 12:41
  Speaker 2: If you just want some, you know, I will taste
• 12:43
  Speaker 2: test a lot of things if you go. Do you
• 12:45
  Speaker 2: want to try it? Yes? I do, absolutely, the little
• 12:48
  Speaker 2: bits of scroll at the bakery, I'm taste testing. They
• 12:52
  Speaker 2: might be handing out stuff.
• 12:53
  Speaker 4: By Southwest, I'll take twenty.
• 13:01
  Speaker 2: So Tim Tam was a major sponsor of south By
• 13:03
  Speaker 2: Southwest Parnetts, We love you. But we did make it
• 13:07
  Speaker 2: our personal mission because you know when you go to
• 13:08
  Speaker 2: a conference and then give you a canvas toach to
• 13:11
  Speaker 2: collect all of your lip, well, we made it our
• 13:14
  Speaker 2: personal mission to see how many individually wrapped Tim Tams
• 13:17
  Speaker 2: we could fit in Jessica's bag. Oh and how many
• 13:20
  Speaker 2: did you get in there?
• 13:20
  Speaker 4: It wasn't like we went making a real every time
• 13:23
  Speaker 4: we make all someone because there are lots of people
• 13:26
  Speaker 4: like all over the conference that had this.
• 13:27
  Speaker 2: We didn't just go tip it. That's no fun. Like
• 13:29
  Speaker 2: you can't just go and tip a whole heap of
• 13:31
  Speaker 2: Tim Tams in your bag and be like ha ha.
• 13:32
  Speaker 2: We could fit this many and if someone catches you, yeah,
• 13:35
  Speaker 2: And we also had to wait until we were offered
• 13:37
  Speaker 2: a Tim Tam. Yeah. So like they'd be like, do
• 13:39
  Speaker 2: you want to Tim Tam And we'd be like, oh,
• 13:41
  Speaker 2: what a coincidence. We'd love Tim Town and then then
• 13:43
  Speaker 2: hand us to Tim Taman, I like sneak it into
• 13:45
  Speaker 2: Jess's bag and then we're like aha, run away. And
• 13:47
  Speaker 2: then another person and then they'd be like Tim Taman.
• 13:50
  Speaker 2: You'd be like, wow, I have not been asked yet.
• 13:52
  Speaker 2: Thank you so much. And then there was this one
• 13:56
  Speaker 2: girl who I think quattoned on to us that was
• 14:00
  Speaker 2: then near the entrance. I see that. We kept going
• 14:02
  Speaker 2: in and out and she would look at us and
• 14:04
  Speaker 2: be like Tim Tam and we'd be like, yep, she knew.
• 14:07
  Speaker 4: She knew.
• 14:08
  Speaker 2: She's a girl's girl. She respected the hustle ife.
• 14:12
  Speaker 4: I love it.
• 14:12
  Speaker 2: She also saw us filming putting the Tim Tams into
• 14:15
  Speaker 2: Jess's bag, and I thought she thought it was study.
• 14:17
  Speaker 4: But she didn't see here, nor say she's blind, she's blind,
• 14:22
  Speaker 4: pets or nothing.
• 14:24
  Speaker 2: She was an icon. We can't remember what she looked like.
• 14:26
  Speaker 2: We can't remember what gates she was on on it's
• 14:28
  Speaker 2: don't ask, we will not tell you. But then when
• 14:31
  Speaker 2: we got to the airport, our flight was delayed, so
• 14:34
  Speaker 2: Jess sat on the ground and we tipped all the
• 14:35
  Speaker 2: tim Tams over it. Oh and how many?
• 14:38
  Speaker 4: How did you? We got like some twenty something tim tams,
• 14:40
  Speaker 4: which is crazy considering we're collecting those one by now.
• 14:44
  Speaker 2: That's dedication. Thank you. That was a good broke tip.
• 14:48
  Speaker 2: Thank you from Kisser. I mean, thank you, thank you Kisser.
• 14:50
  Speaker 2: But also take free stuff from conferences. Yes, absolutely, that
• 14:54
  Speaker 2: is actually a really good on Okay.
• 14:56
  Speaker 3: This next one comes from Ben who says, go to
• 15:00
  Speaker 3: this is like a Melbourne thing, but I'm sure there
• 15:02
  Speaker 3: are equivalents in other states and things.
• 15:05
  Speaker 2: Go to Richmond Common Home, which is close to here.
• 15:08
  Speaker 2: I had never heard of it. It looks like a cafe.
• 15:10
  Speaker 2: I did google.
• 15:11
  Speaker 3: It looks like it just like your stand a cafe bakery.
• 15:13
  Speaker 3: Take the bread home, so I haven't been there personally.
• 15:17
  Speaker 3: This is also a freshy, so I haven't had time
• 15:19
  Speaker 3: to go and.
• 15:19
  Speaker 2: Share it or something of that.
• 15:20
  Speaker 4: But also like what I mean, take the bread home,
• 15:23
  Speaker 4: like from the table. This is what I'm yet to
• 15:25
  Speaker 4: fact check.
• 15:26
  Speaker 2: So like I do often go to a cafe and
• 15:28
  Speaker 2: purchase bread and then I take it home, but I
• 15:30
  Speaker 2: have to purchase.
• 15:31
  Speaker 4: It and there's no there no that's an exchange of
• 15:34
  Speaker 4: money for good that is actually a transaction.
• 15:39
  Speaker 3: But from what I can tell, this is like free bread.
• 15:42
  Speaker 3: And the fact that it's Common Home, I'm thinking, like
• 15:45
  Speaker 3: maybe they're giving out free bread because.
• 15:47
  Speaker 2: After it's like done trading, like all the bread that
• 15:50
  Speaker 2: they have after lunch while they're like shutting up shop
• 15:52
  Speaker 2: or something.
• 15:53
  Speaker 3: But I will say that if you do go to
• 15:55
  Speaker 3: like a bakery or a cafe. I was sitting at
• 15:57
  Speaker 3: a bakery with my girlfriend the other day, maybe just
• 15:59
  Speaker 3: go your friend. Do you have a good friend and
• 16:02
  Speaker 3: day We wouldn't know.
• 16:04
  Speaker 2: No, I never heard about it. But they were just like,
• 16:07
  Speaker 2: do you guys want some free bread? Take as many
• 16:09
  Speaker 2: loads as you like. We're about to close, So whether
• 16:13
  Speaker 2: how many loads and how many loads of breads did
• 16:15
  Speaker 2: you take?
• 16:15
  Speaker 3: We actually only took two because we were that's respectful,
• 16:18
  Speaker 3: but we really.
• 16:19
  Speaker 2: Wanted to take all of them. Yeah, that would have
• 16:21
  Speaker 2: been me. And I've been like, thanks, nah, I'm good,
• 16:23
  Speaker 2: I just want one, And in the back of my head,
• 16:25
  Speaker 2: I'm like I wanted fifty.
• 16:28
  Speaker 3: So whether or not Richmond Common Home do free bread daily,
• 16:31
  Speaker 3: like every single day, all day, every day, honestly, go
• 16:34
  Speaker 3: to your local bakery when they're closing up and be like, hey,
• 16:36
  Speaker 3: what are you throwing out today?
• 16:38
  Speaker 2: Can I take some love? How good is that? I
• 16:40
  Speaker 2: love that? And what's your broke tip?
• 16:42
  Speaker 3: My one is we have mentioned before kind of like
• 16:45
  Speaker 3: in the similar vein where trying YouTube your car problems
• 16:49
  Speaker 3: see if you can fix them yourself, because.
• 16:51
  Speaker 2: More there have you been watching my videos on Instagram
• 16:55
  Speaker 2: and now you're using that as your broke tep Okay.
• 16:58
  Speaker 3: This is I believe I'm doing myself hole because I'm
• 17:01
  Speaker 3: saying I haven't watched your Instagram and.
• 17:05
  Speaker 2: It's it's very funny, and I think that everyone in
• 17:07
  Speaker 2: now She's on the money community will probably understand this.
• 17:10
  Speaker 2: But you guys, hear my voice twenty four seven. At
• 17:13
  Speaker 2: this point, I probably would have blocked me on TikTok
• 17:17
  Speaker 2: on Instagram, like Jess doesn't need more of me. She
• 17:20
  Speaker 2: hears me on the pod, so like she hears me
• 17:22
  Speaker 2: on the pod, then she hears me in the office,
• 17:24
  Speaker 2: then she hears me on teams, then she sees me
• 17:26
  Speaker 2: on Slack. She does not need more. And then I'm
• 17:33
  Speaker 2: slide into her dms on Instagram like did you see
• 17:35
  Speaker 2: Thistrictly voice memos? So that she can still hear your voice. Mate,
• 17:41
  Speaker 2: We are on TikTok at eleven pm DM and each other,
• 17:45
  Speaker 2: so if anybody else is on that side of TikTok,
• 17:47
  Speaker 2: we're with you. Yeah, be done. I'll go there, especially
• 17:50
  Speaker 2: now that you mentioned it. My phone's listening.
• 17:52
  Speaker 3: Yeah good, Yes, so I haven't seen it, but I
• 17:54
  Speaker 3: wonder if it's what close to you or similar to
• 17:56
  Speaker 3: what it was your youtubing was so right now, I obviously,
• 18:00
  Speaker 3: as you guys know, I don't have a back window
• 18:01
  Speaker 3: because someone broke into my car months ago.
• 18:04
  Speaker 2: What is your back window made of? Currently? Duct tape?
• 18:07
  Speaker 2: It's duct tape? Yeah, that's nice, honestly, what can't it do?
• 18:11
  Speaker 3: Seriously, what can't it do? That was another broad tip.
• 18:14
  Speaker 3: My cousin dact tape to a vacuum and she has
• 18:15
  Speaker 3: a vacuum on an angle now but it really works.
• 18:17
  Speaker 3: But anyway, exactly, duct tape does fix a lot of things.
• 18:21
  Speaker 3: But anyway, my window is broken, my clutch is slipping, and.
• 18:24
  Speaker 2: You don't even know.
• 18:25
  Speaker 3: Like, if you google the most niche and specific thing,
• 18:30
  Speaker 3: YouTube will have the answer. So I've been quoted between
• 18:33
  Speaker 3: fifteen hundred and two thousand dollars to replace my clutch.
• 18:36
  Speaker 3: But I bought a clutch kit for one hundred and
• 18:39
  Speaker 3: fifty bucks, okay, and it is quite labor mechanic quid, yeah,
• 18:45
  Speaker 3: thank you so much. And I googled two thousand and
• 18:47
  Speaker 3: four five speed manual and this exact game. It came
• 18:51
  Speaker 3: up exactly how to fix it. It's quite labor. So if
• 18:54
  Speaker 3: I had the money, I would absolutely get someone to pay,
• 18:57
  Speaker 3: because it's not like I'm being ripped off for anything.
• 18:59
  Speaker 2: I totally but it's just a very expensive thing to do. Yes,
• 19:02
  Speaker 2: you're going to give it a hot crack. I'm going
• 19:04
  Speaker 2: to give it a crack.
• 19:05
  Speaker 3: And basically my broake tip is that import anyone out there,
• 19:08
  Speaker 3: if you have a car problem and you have the
• 19:11
  Speaker 3: physical ability to maybe just have a look, then YouTube it.
• 19:15
  Speaker 3: I promise it will come up no matter what your
• 19:16
  Speaker 3: problem is. It will come up, no matter how niche,
• 19:19
  Speaker 3: and just try that first. See if you can find
• 19:21
  Speaker 3: the little bits and pieces. And honestly, it's a lot
• 19:23
  Speaker 3: of a lot of fun and extremely satisfying just getting
• 19:27
  Speaker 3: in there and getting hands dirty.
• 19:28
  Speaker 2: Always can do it. How hard can it be?
• 19:30
  Speaker 4: If you get good at it, you should start like
• 19:31
  Speaker 4: offering it to friends, be like, hey, if you need it,
• 19:33
  Speaker 4: replace like, I'll do it for like five hundred bucks,
• 19:35
  Speaker 4: which covers materials and labor, which is like seventy five
• 19:38
  Speaker 4: percent off for them like that they'd be so but
• 19:42
  Speaker 4: then like you like you can do you said it's fun,
• 19:44
  Speaker 4: it's a little bit easy money, Like yeah, that's actually
• 19:46
  Speaker 4: a great idea. Become like the French mechanic and do
• 19:49
  Speaker 4: cheap services.
• 19:51
  Speaker 2: That's great. I love this and it actually plays into
• 19:53
  Speaker 2: the video of mine that I posted on the internet
• 19:55
  Speaker 2: that nobody's watched. So this week I replaced my wife.
• 20:01
  Speaker 2: Funny story, Actually, someone stole my wipers off my car.
• 20:06
  Speaker 2: My car's relatively nondescript, like it's not like I have
• 20:09
  Speaker 2: custom plates or something, so like people wouldn't know that
• 20:11
  Speaker 2: it's mine. But anyway, I got my one of my
• 20:14
  Speaker 2: wipers stolen, which is arguably worse for me. That's super annoying.
• 20:17
  Speaker 2: That's rude. Anyway, So I got online because my dad
• 20:21
  Speaker 2: has always said you can just do it yourself, Like
• 20:24
  Speaker 2: why not. I ordered my wiper blades just from I think,
• 20:27
  Speaker 2: like wipe a Tech. Why wipe a Tech because my
• 20:29
  Speaker 2: dad told me to order them from wipe a Tech
• 20:31
  Speaker 2: and same thing back. You're just key in your car.
• 20:34
  Speaker 2: You're key in the model, the year, and it tells
• 20:36
  Speaker 2: you what wipers you need to buy, and then you
• 20:39
  Speaker 2: order them. They have like ten percent off or something
• 20:41
  Speaker 2: on their website, so it ended up being super cheap
• 20:43
  Speaker 2: and you just clip them in yourself. It's just so easy.
• 20:46
  Speaker 2: I also chopped up my water, did my oil. You
• 20:49
  Speaker 2: can do all of that stuff yourself. You don't need
• 20:52
  Speaker 2: to pay somebody. I just do. I find it so
• 20:55
  Speaker 2: funny because I think the second that you go, oh,
• 20:58
  Speaker 2: it's something on your car that needs feeling, we think
• 21:00
  Speaker 2: that we can't do it ourselves. Yeah, And I was
• 21:03
  Speaker 2: talking to our producer Emma the other day and she's like, oh,
• 21:06
  Speaker 2: car door handle broke. My husband just ordered a brand
• 21:09
  Speaker 2: new one, you know, ten bucks or whatever it was.
• 21:12
  Speaker 2: Allie Express does the job. Yeah. Absolutely, we can do
• 21:16
  Speaker 2: hard things. Really we can. We absolutely can, and even
• 21:19
  Speaker 2: things around the house. The boys do it. I just
• 21:21
  Speaker 2: can't get that real out of mind yet, neither can I.
• 21:24
  Speaker 2: That's all I have. That's all you've got. I love that.
• 21:26
  Speaker 5: Let's go to a break on the flip side, we're
• 21:29
  Speaker 5: going to be talking about our money dilemma, which This
• 21:31
  Speaker 5: week is about navigating getting a mortgage when you're a
• 21:33
  Speaker 5: sex worker and something you slid into.
• 21:35
  Speaker 2: Our DMS about is about the fallout of falling victim
• 21:38
  Speaker 2: to fomo spending, which I think everyone on the table
• 21:41
  Speaker 2: can relate to. So don't go anywhere, guys.
• 21:47
  Speaker 4: Welcome back everyone. Let's take a listen to this week's
• 21:49
  Speaker 4: money dilemma.
• 21:52
  Speaker 5: Hi, there, have you got a money dilemma you just
• 21:55
  Speaker 5: can't solve? The She's on the Money team is here
• 21:57
  Speaker 5: to help. Every week we tackle your.
• 22:00
  Speaker 2: Dilemmas, both big and small, to answer your most burning money,
• 22:03
  Speaker 2: career and life questions. To get involved, simply head to
• 22:06
  Speaker 2: our website and leave us a short voice recording and
• 22:08
  Speaker 2: you might just find yourself on the show. Now, let's
• 22:11
  Speaker 2: take a listen to this week's money dilemma.
• 22:16
  Speaker 6: Hello, I work casually as a disability support worker and
• 22:20
  Speaker 6: a sex worker full service, and I'm trying to get
• 22:24
  Speaker 6: ready to buy a home. But I have some questions
• 22:27
  Speaker 6: around privacy with my home loan broker as well as
• 22:30
  Speaker 6: my parents want to be involved, and I'm just questioning
• 22:34
  Speaker 6: how can I keep this private. I'm doing the best
• 22:37
  Speaker 6: that I can, trying to pay as much tax as
• 22:39
  Speaker 6: possible and putting all of my cash into the bank.
• 22:42
  Speaker 2: But yeah, I have to.
• 22:43
  Speaker 6: Be open with these things with mortgage brokers, and I
• 22:46
  Speaker 6: don't necessarily want to tell them and my parents that
• 22:49
  Speaker 6: I'm a sex worker. Thanks so much.
• 22:51
  Speaker 4: Bye.
• 22:51
  Speaker 2: What do you reckon?
• 22:52
  Speaker 6: Beck?
• 22:52
  Speaker 2: I feel like you want to be the first cab
• 22:54
  Speaker 2: off the rank to answer this.
• 22:55
  Speaker 3: Yes, only because I have a friend who is well
• 22:59
  Speaker 3: was in a very similar position.
• 23:01
  Speaker 2: She now has home.
• 23:03
  Speaker 3: But it's not like organ news because she so she said,
• 23:08
  Speaker 3: and this is like, really, this is secondhand information that
• 23:11
  Speaker 3: I was was a while ago.
• 23:13
  Speaker 2: So I'm probably gonna butcher this.
• 23:15
  Speaker 3: But she said she is a sole trader, so she
• 23:17
  Speaker 3: does pay tax, she has an ABN. But I don't
• 23:20
  Speaker 3: know that you. I mean, I could be wrong, but
• 23:22
  Speaker 3: you might not need to say what you do. You
• 23:24
  Speaker 3: might just have to be a soul trader.
• 23:25
  Speaker 2: I'm not sure. But anyway, for the six months leading
• 23:28
  Speaker 2: up to it could have been three or six leading up.
• 23:30
  Speaker 3: To actually getting a home loan, she had to get
• 23:34
  Speaker 3: a full time job to show that she had what
• 23:38
  Speaker 3: consistent income that was through a different Nah.
• 23:42
  Speaker 2: I don't know if that's that's the right wall. That's
• 23:44
  Speaker 2: like I'm really saying nah, because like I've got heaps
• 23:46
  Speaker 2: of clients who are sex workers. Yeah, I don't know
• 23:48
  Speaker 2: if you need to be in an issue totally. If
• 23:51
  Speaker 2: you're a sex worker, that's a legitimate job, Like it's
• 23:54
  Speaker 2: just a job, and will address the other side of it.
• 23:56
  Speaker 2: But if you have a job and you are paying
• 23:59
  Speaker 2: tax on that job, and you are generating an income,
• 24:02
  Speaker 2: and you can prove to me as your broker that
• 24:05
  Speaker 2: you have a consistent income over twelve months, I can
• 24:09
  Speaker 2: get you alone. It's a non issue. I think the
• 24:12
  Speaker 2: issue I can see where she's coming from, Like, if
• 24:15
  Speaker 2: this is your job and you haven't told your parents
• 24:16
  Speaker 2: or the broker, to be honest, I see that as
• 24:18
  Speaker 2: a bit of a red flag, not because you have
• 24:20
  Speaker 2: to tell your parents you don't, but more as a
• 24:22
  Speaker 2: red flag get a better broker, Like I love the
• 24:27
  Speaker 2: people that I work with and have the utmost respect
• 24:30
  Speaker 2: for them. And if you don't feel like your broker
• 24:33
  Speaker 2: is extending that to you where you don't feel comfortable
• 24:36
  Speaker 2: to share the job that you do. Like how weird
• 24:38
  Speaker 2: if I went to see a finance professional and said, oh,
• 24:42
  Speaker 2: I don't really want to tell them that I'm a
• 24:44
  Speaker 2: podcaster like, that's I would never want you to be
• 24:47
  Speaker 2: in a situation where we're talking about money, talking about
• 24:50
  Speaker 2: creating wealth, talking about getting you in your first home,
• 24:52
  Speaker 2: and there's something about your financial situation that you're scared
• 24:55
  Speaker 2: to tell me about. Yeah, Like, I'm your broker, it's
• 24:57
  Speaker 2: my job to protect you. If your parents want to
• 25:00
  Speaker 2: get involved as a guaranteur, I would get on the
• 25:03
  Speaker 2: right page with your broker so that they understand where
• 25:06
  Speaker 2: it's coming from, because the banks may be going to
• 25:08
  Speaker 2: ask questions, not because you're a sex worker, but because
• 25:11
  Speaker 2: they might want clarity on oh, it seems like you
• 25:14
  Speaker 2: get paid sometimes weekly, sometimes fortnightly, like what's the deal?
• 25:17
  Speaker 2: How does that work? Like they might have just clarifying
• 25:19
  Speaker 2: questions because it's a genuine source of income, right, But
• 25:23
  Speaker 2: if you didn't want to tell your parents, I would
• 25:25
  Speaker 2: be sitting down with your broker and saying, Hey, my
• 25:28
  Speaker 2: parents want to guarantee my loan. I've told them that
• 25:30
  Speaker 2: I do this particular job, or you know, I work
• 25:33
  Speaker 2: in retail or I do something else. Yeah, can you
• 25:35
  Speaker 2: just not share that information? And they won't because more
• 25:38
  Speaker 2: often than not, when you're working with a guaranteur, I
• 25:40
  Speaker 2: don't actually need to share information about the person they're guaranteuring.
• 25:44
  Speaker 2: I actually need to get a whole heap of information
• 25:45
  Speaker 2: from your parents about the asset that they're using to
• 25:48
  Speaker 2: underwrite your loan, and what they do and what their
• 25:51
  Speaker 2: income is. Like, it's not so much about sharing your
• 25:53
  Speaker 2: information with your parents. It's actually the opposite. It's about
• 25:56
  Speaker 2: getting information from your parents. So it's good to know.
• 26:00
  Speaker 2: I would just find somebody like one of the Zella
• 26:02
  Speaker 2: money mortgage brokers who just want to support you, Like
• 26:06
  Speaker 2: I love a queen who's just paving your own path
• 26:09
  Speaker 2: and getting shit done like iconic. Yeah, completely agree. Just
• 26:15
  Speaker 2: what would you do? I have nothing to haden, You're
• 26:16
  Speaker 2: honestly like it. It's just a job.
• 26:18
  Speaker 4: Yeah, Like I completely agree. Like I think you have
• 26:20
  Speaker 4: to tell your broker. I don't really see any world
• 26:22
  Speaker 4: in which you don't tell your broker. But you don't
• 26:24
  Speaker 4: have to tell you.
• 26:25
  Speaker 2: Like if you came to me and you're saying the
• 26:27
  Speaker 2: I really want to get a home loan, I'd be like, cool,
• 26:29
  Speaker 2: what do you do? And then you're like, oh, well,
• 26:31
  Speaker 2: my generating income, I'd be like, how, Like I need
• 26:35
  Speaker 2: to make sure that that income is clean and clear
• 26:38
  Speaker 2: and going to get you alone. And I'd like, I
• 26:41
  Speaker 2: actually just don't care where it comes from as long
• 26:43
  Speaker 2: as you're paying tax on it. And I think that
• 26:45
  Speaker 2: that's a really good point because in the industry, obviously
• 26:48
  Speaker 2: there's like a lot of shame that shouldn't be there,
• 26:50
  Speaker 2: there's a lot of judgment that shouldn't be there. But
• 26:53
  Speaker 2: you need to find the right finance team that can
• 26:56
  Speaker 2: be on your page because hopefully if you're killing it,
• 27:00
  Speaker 2: usually with sex work, it's the type of work that
• 27:03
  Speaker 2: you need to make hay while the sun's shining, Like
• 27:05
  Speaker 2: you're not potentially going to be able to do this
• 27:08
  Speaker 2: until you're sixty five and retiring. More often than not,
• 27:12
  Speaker 2: I see this industry be quite short. If you're having
• 27:16
  Speaker 2: the sunshine and you are making a heap of money
• 27:19
  Speaker 2: and buying your first home, I want to make sure
• 27:21
  Speaker 2: that we are structuring it properly, making sure that your
• 27:23
  Speaker 2: cash flow is looking good, making sure that maybe I
• 27:26
  Speaker 2: can get you into a second investment property that you
• 27:28
  Speaker 2: can really solidify your wealth now, because like, why are
• 27:31
  Speaker 2: you working so hard to not put that money to
• 27:34
  Speaker 2: work for you? Absolutely anyway, I just think that you
• 27:37
  Speaker 2: should be getting the right people on your team that
• 27:39
  Speaker 2: are backing you instead of making you feel like, oh,
• 27:41
  Speaker 2: I don't really want to share that. I get the
• 27:43
  Speaker 2: parent thing. You don't have to tell anybody anything that
• 27:46
  Speaker 2: you don't want to share. Yeah, when it comes to
• 27:48
  Speaker 2: a broker, I need to know your stuff and I
• 27:51
  Speaker 2: need you to trust me with it. So if you're
• 27:52
  Speaker 2: not trusting that broker that you're talking about, get a
• 27:55
  Speaker 2: new one, babe, getting you out with the old in
• 27:57
  Speaker 2: with a new. Absolutely. Are you guys ready for the DM.
• 28:02
  Speaker 4: Today? All right?
• 28:03
  Speaker 2: So here's the damn we got. Hey, she's on the money.
• 28:05
  Speaker 2: I've been hating on myself a lot lately and need
• 28:07
  Speaker 2: your help. I'm finding it really hard to balance my
• 28:10
  Speaker 2: budget with my social life. My friends have been organizing
• 28:13
  Speaker 2: lots of group catch ups for dinners and birthdays, for example,
• 28:16
  Speaker 2: and I get serious fomo and I feel like I
• 28:19
  Speaker 2: have to say yes to everything, but every time I
• 28:21
  Speaker 2: spend way more than I'd planned, and then I'm left
• 28:24
  Speaker 2: scrambling to cover my bills. Last weekend, I ended up
• 28:27
  Speaker 2: spending half my bill budget on a night out and
• 28:30
  Speaker 2: now I'm really regretting it. The problem is also I
• 28:32
  Speaker 2: feel uncomfortable saying no to plans because I can't afford it.
• 28:36
  Speaker 2: How can I break this cycle and still have a
• 28:38
  Speaker 2: social life. I wonder if this is me that did
• 28:43
  Speaker 2: you like have a few too many drinks right into
• 28:45
  Speaker 2: your own show and then forget that you did it?
• 28:48
  Speaker 4: Yes?
• 28:50
  Speaker 2: Why, Yes, that was me.
• 28:51
  Speaker 3: Anytime anyone asked me to do any too many soda waters,
• 28:55
  Speaker 3: I just cannot not do it, you know, And then
• 28:59
  Speaker 3: I end up spa all the money that I maybe
• 29:03
  Speaker 3: had plans to do something else with, you know what
• 29:06
  Speaker 3: I mean.
• 29:07
  Speaker 2: Ye, But it's relatable, like this is not something that
• 29:11
  Speaker 2: you know only you're experiencing. Lots of people are like, Oh,
• 29:15
  Speaker 2: my friend's birthday is happening, I'm gonna have to go.
• 29:19
  Speaker 2: I just think and I feel like we say this
• 29:20
  Speaker 2: a lot.
• 29:21
  Speaker 3: If your friends aren't kind of like understanding or kind
• 29:27
  Speaker 3: of making you feel comfortable in a situation where like
• 29:29
  Speaker 3: you can't actually spend money maybe on a birthday present,
• 29:31
  Speaker 3: maybe on dinner, maybe on all these things, if they're
• 29:34
  Speaker 3: not making you feel like it's okay to still be
• 29:37
  Speaker 3: present because your money is not who they're hanging out with,
• 29:41
  Speaker 3: it's you. And so if you go like I'll always
• 29:44
  Speaker 3: go to dinner if I can't afford it, then either
• 29:46
  Speaker 3: someone will pay for me because they're like, hey, you're
• 29:48
  Speaker 3: not just gonna sit there and do nothing, Like.
• 29:51
  Speaker 2: I'll be like, beck, get in the car, totally, totally.
• 29:55
  Speaker 3: I'll let people know in advance, are like, I'm really broke,
• 29:56
  Speaker 3: you guys, So I'm gonna come, but I'm gonna eat first,
• 29:58
  Speaker 3: or I'm gonna come and i'm gonna order I'm.
• 30:00
  Speaker 2: Just gonna have a drink, or I'm gonna have it
• 30:01
  Speaker 2: on a tray, or we're.
• 30:03
  Speaker 3: Gonna pick at everyone else's dinner, which is very annoying.
• 30:07
  Speaker 2: Are you a seagull like you go and you just
• 30:09
  Speaker 2: steal a chip? You're like, I am. I don't want
• 30:12
  Speaker 2: to be a scam.
• 30:12
  Speaker 4: Sometimes I am, but people don't always like I never
• 30:15
  Speaker 4: finish my meals a restaurants because they're always so big,
• 30:17
  Speaker 4: and I'm always saying to everyone, hey, like do you
• 30:19
  Speaker 4: want to eat go halves on something.
• 30:22
  Speaker 2: I mean, I don't think the strategy is go and
• 30:24
  Speaker 2: expect other people to pay it for you, or go
• 30:26
  Speaker 2: and scab chips. But will always but I like the audacity.
• 30:32
  Speaker 2: You're like, I'm going I just I will be eating
• 30:35
  Speaker 2: your tube and I carry.
• 30:36
  Speaker 4: That we give your presence is the exactly.
• 30:40
  Speaker 3: It's just a felt like bonding with your friends and
• 30:43
  Speaker 3: just chun ship and that you know, just like having
• 30:45
  Speaker 3: a good time, good time and like As for gifts
• 30:48
  Speaker 3: and stuff, just honestly I think gifts.
• 30:51
  Speaker 2: Oh my gosh, actually that's so funny. I have side note.
• 30:55
  Speaker 2: We will answer this, but have you guys seen the
• 30:58
  Speaker 2: absolute junk the Abby Chatfield is getting online at the
• 31:02
  Speaker 2: moment because she posted that, you know, this whole idea
• 31:06
  Speaker 2: of paying to go to someone's wedding, Like, you know,
• 31:08
  Speaker 2: if you go to someone's wedding, there seems to be
• 31:10
  Speaker 2: this unspoken rule of you know, covering what it would
• 31:14
  Speaker 2: have cost the bride and groom, which I think is
• 31:15
  Speaker 2: unhinged and absolutely not Like I could go on a
• 31:18
  Speaker 2: massive rant about this because I think it is wildly
• 31:20
  Speaker 2: inappropriate to have an event where you expect someone to
• 31:23
  Speaker 2: pay for a gift or pay you for attending your event,
• 31:27
  Speaker 2: like that is my wedding that I have chosen to
• 31:29
  Speaker 2: have anyway. Complete side know, I'll probably go on a
• 31:32
  Speaker 2: rount on TikTok or something about it at some point soon,
• 31:35
  Speaker 2: but she's getting so much crap. Is the presence of
• 31:40
  Speaker 2: you being there, not the present. I agree, I agree,
• 31:42
  Speaker 2: and I don't. I know, there's lots of cultural things, right, Like,
• 31:45
  Speaker 2: there's lots of layers to this, and if in your
• 31:47
  Speaker 2: culture giving gifts makes sense to you, fantastic. But at
• 31:51
  Speaker 2: a base level, no human being should be expected to
• 31:54
  Speaker 2: part with their finances to appease somebody else.
• 31:57
  Speaker 3: If your two options are deep and completely like uncomfortable
• 32:02
  Speaker 3: anxiety about money, or just not see someone that you
• 32:07
  Speaker 3: really love get married on the biggest day of their life,
• 32:10
  Speaker 3: like arguably one of the biggest days of their life,
• 32:12
  Speaker 3: if that's very important to them. You know what do
• 32:15
  Speaker 3: you choose? Like you're like loos like lose lose, Yeah,
• 32:18
  Speaker 3: And I just don't think sho put that pressure on
• 32:20
  Speaker 3: someone you know, who's just mind their own business totally. Anyway,
• 32:24
  Speaker 3: back to fomo fomo spending back Apart from scabbing chips,
• 32:28
  Speaker 3: how are you tackling it?
• 32:30
  Speaker 2: Or should be asked, yes, yeah, honestly, that's it for me.
• 32:33
  Speaker 2: I just think that that's it from me. You should
• 32:35
  Speaker 2: probably scab some chips.
• 32:36
  Speaker 3: Scab chips, talk to your friends, just try and show up,
• 32:39
  Speaker 3: and you don't you don't have to spend money.
• 32:43
  Speaker 2: Be you. That's why you've been in finance.
• 32:45
  Speaker 3: Actually, no, I was going to say, send your money
• 32:48
  Speaker 3: to someone else. Want to be friends that you really trust,
• 32:49
  Speaker 3: and that's what I've been doing, sending it.
• 32:51
  Speaker 2: That's a terrible idea. I know that. Okay, I'm not
• 32:54
  Speaker 2: sending money to friends like I cannot guarantee somewhere or
• 33:00
  Speaker 2: or let's just get good at budget cash flow. I'm
• 33:02
  Speaker 2: going to teach you. You have me. I'm going to
• 33:04
  Speaker 2: put you in the best possible position. Yeah, we're going
• 33:07
  Speaker 2: to do that. It's a better idea, But I do
• 33:09
  Speaker 2: do not give your money to a random person, Jessica
• 33:13
  Speaker 2: for most spending, how are you dealing with it? I'm
• 33:15
  Speaker 2: going to give you a bit of.
• 33:16
  Speaker 4: Tough love and just say deciding to spend money on
• 33:21
  Speaker 4: dinner or drinks. As much as I completely understand the
• 33:24
  Speaker 4: desire to fit in in the desire like I fully
• 33:27
  Speaker 4: empathize with that, as you said, we've all experienced it,
• 33:30
  Speaker 4: it is simply a bad choice if you're compromising. If
• 33:33
  Speaker 4: you go I can either pay my rent or pay
• 33:36
  Speaker 4: for steak dinner with the girls. It's a bad choice
• 33:41
  Speaker 4: to elect and that, like to me, that's very black
• 33:43
  Speaker 4: and white. I know that's very harsh and very mean.
• 33:46
  Speaker 4: Do we need.
• 33:46
  Speaker 2: A tough love though, to kick us in the right direction.
• 33:49
  Speaker 4: I don't mean to be mean, but genuinely, I think
• 33:52
  Speaker 4: I understand, and like as I you know, you all know,
• 33:55
  Speaker 4: I have had debt myself, and I've been there, and
• 33:57
  Speaker 4: I totally get it, and I think you genuinely have
• 34:00
  Speaker 4: to do some internal work to get past that. I
• 34:03
  Speaker 4: think it's generally speaking, deeply rooted in your psychology. The
• 34:08
  Speaker 4: culture of your friendship group as well, I think contributes
• 34:11
  Speaker 4: a lot to that. And I understand that it is
• 34:14
  Speaker 4: sometimes embarrassing to say to somebody, Oh, I'm really sorry,
• 34:17
  Speaker 4: like I can't afford to do this, or I'm going
• 34:20
  Speaker 4: to come, but I can't get a round of drinks
• 34:22
  Speaker 4: for everyone if you're all taking turns or.
• 34:24
  Speaker 2: Whatever that looks like.
• 34:25
  Speaker 4: I understand that you can feel a little bit like, oh,
• 34:29
  Speaker 4: like everyone else is doing it and I don't want
• 34:30
  Speaker 4: to look like an idiot.
• 34:32
  Speaker 2: Yeah, And then you make it worse in your head,
• 34:34
  Speaker 2: and then you don't sleep the night before.
• 34:36
  Speaker 4: The anxietity builds up and builds up and builds up.
• 34:39
  Speaker 4: But I think the two things that you need to
• 34:40
  Speaker 4: do the groundwork. Are one being open with your friends
• 34:44
  Speaker 4: and the people around you, because if they love you
• 34:46
  Speaker 4: and they are your friends, exactly as Beck said, they're
• 34:49
  Speaker 4: going to find they just want you there. They don't care.
• 34:52
  Speaker 2: I didn't invite you for dinner because I want to
• 34:54
  Speaker 2: send you into personal debt. I invited you for dinner
• 34:56
  Speaker 2: because I think you're cool and I want to hang
• 34:58
  Speaker 2: out more.
• 34:59
  Speaker 4: Yeah, absolutely can find ways to participate in that, as
• 35:02
  Speaker 4: you said, whether it's electing for just a small startup,
• 35:04
  Speaker 4: or splitting with a friend, or even just having a drink.
• 35:08
  Speaker 4: Like I know that it's not as fun and it
• 35:10
  Speaker 4: can make you feel a little bit ostracized. But if
• 35:13
  Speaker 4: you really can't cope with the feeling of missing out,
• 35:17
  Speaker 4: then your options are find a way to do it affordably,
• 35:20
  Speaker 4: or let's do a little bit of work and be
• 35:22
  Speaker 4: okay with missing out on things. Sometimes I know that
• 35:24
  Speaker 4: I'm a real introvert, and so it probably comes a
• 35:26
  Speaker 4: lot easier to me.
• 35:28
  Speaker 2: You're like, oh, no, I can't go. That must be
• 35:32
  Speaker 2: so terrible.
• 35:33
  Speaker 4: Yeah, Sam's front door and runs back to the couch,
• 35:36
  Speaker 4: jumps in blanket on fuzzy socks.
• 35:38
  Speaker 2: Cat Online you're like, oh, yeah, no V, I'm crying.
• 35:40
  Speaker 2: I'm really sorry.
• 35:42
  Speaker 4: But I think like there is also something to be
• 35:44
  Speaker 4: said for being comfortable enough in yourself and in your
• 35:48
  Speaker 4: friends to go okay. I get that they're going to
• 35:50
  Speaker 4: have fun, and I'm happy that they're going to have fun,
• 35:52
  Speaker 4: but also like, if it's not on the cards for
• 35:53
  Speaker 4: me this week financially, I can have a good time
• 35:56
  Speaker 4: by myself, or I can have a good time and
• 35:58
  Speaker 4: have a friend come to my place and we buy
• 36:01
  Speaker 4: a three dollar bag of popcorn and we watch a
• 36:03
  Speaker 4: movie at home and we do something that way. I
• 36:06
  Speaker 4: think like finding ways to still be social but not
• 36:10
  Speaker 4: spend a lot of money is probably striking the right balance.
• 36:13
  Speaker 4: And as I said, like it's hard to hear, but
• 36:17
  Speaker 4: it requires a bit of work on you and why
• 36:20
  Speaker 4: you're responding to the way that things you know that
• 36:22
  Speaker 4: you are and why you are feeling these ways, And
• 36:25
  Speaker 4: like sometimes that means go on a therapy, or sometimes
• 36:27
  Speaker 4: that means just like reflecting a little bit on what's
• 36:30
  Speaker 4: triggering those feelings and thoughts. But yeah, ultimately I want
• 36:33
  Speaker 4: to say, as someone who has been there, it is
• 36:35
  Speaker 4: not worth putting yourself in a financial pit. Because you
• 36:38
  Speaker 4: don't want to miss out on a good time. It's
• 36:40
  Speaker 4: just not it's.
• 36:41
  Speaker 2: Genuinely not I say that with love. I don't know.
• 36:43
  Speaker 2: I'm sorry, don't really mean. Jess is literally the last
• 36:47
  Speaker 2: person that's going to be nasty me. On the other hand,
• 36:49
  Speaker 2: when it comes to love, I also think it's about
• 36:53
  Speaker 2: shifting your mindsets. So saying oh, I can't afford that
• 36:56
  Speaker 2: is very different to that's currently not in my budget.
• 37:00
  Speaker 2: And I think that we need to be empowered by
• 37:02
  Speaker 2: these conversations of making good money decisions, because future you
• 37:05
  Speaker 2: was going to thank you being able to say, oh,
• 37:08
  Speaker 2: that's just not in my budget this week. Like it's
• 37:11
  Speaker 2: so like and we've spoken about this on the show before.
• 37:13
  Speaker 2: Beck you mentioned it maybe like two or three episodes
• 37:16
  Speaker 2: ago on a Friday, and you said, I hate when
• 37:19
  Speaker 2: someone says, oh, i'm broke, I'll have to dip into savings,
• 37:22
  Speaker 2: and you're like, well, that's not relatable at all, because
• 37:25
  Speaker 2: when I say I'm broke, I mean I have four
• 37:28
  Speaker 2: cents in my bank account and I literally can't do it.
• 37:30
  Speaker 2: I'm not dipping into savings. And I think that it's
• 37:33
  Speaker 2: about articulating things clearly, Whereas Becky if you said, oh,
• 37:37
  Speaker 2: that's not in my budget, that's kind of alluding to
• 37:39
  Speaker 2: maybe it's not in the budget that I've allocated for
• 37:42
  Speaker 2: those activities this week, or it's not in the budget
• 37:44
  Speaker 2: because I'm saving for a holiday. Like it doesn't necessarily
• 37:48
  Speaker 2: mean that you have to open the can of worms
• 37:50
  Speaker 2: of sharing your entire financial life. And I think that
• 37:53
  Speaker 2: when we talk about personal finance, it can actually be
• 37:56
  Speaker 2: as personal or not personal as you want it to be.
• 37:59
  Speaker 2: Like I could have and I do. I have these
• 38:01
  Speaker 2: conversations all the time with you guys. I talk about spending,
• 38:05
  Speaker 2: I talk about my values. Nobody at this table, nobody
• 38:09
  Speaker 2: in our community knows how much I earn, how much
• 38:12
  Speaker 2: I spend, exactly what I own and exactly what I owe.
• 38:16
  Speaker 2: None of you know that because that's a boundary that
• 38:19
  Speaker 2: I've drawn and gone, well, actually, that's just not stuff
• 38:22
  Speaker 2: that I'm willing to share on the show. And there's
• 38:25
  Speaker 2: a number of reasons for that, one of them being
• 38:28
  Speaker 2: because I know that a lot of what I do
• 38:30
  Speaker 2: is not that relatable. Now I'm at a different stage,
• 38:33
  Speaker 2: and I have been there. I've been in forty thousand
• 38:35
  Speaker 2: dollars worth of personal debt when my income was sixty
• 38:38
  Speaker 2: thousand dollars. I could not sleep because of debt, because
• 38:41
  Speaker 2: I had FOMO, because I wanted to study overseas, because
• 38:44
  Speaker 2: I wanted to buy a car that I couldn't afford,
• 38:46
  Speaker 2: because I wanted to go out for dinner with my friends.
• 38:48
  Speaker 2: So I know you because I was you. So when
• 38:51
  Speaker 2: I'm giving advice, it's not because I'm now in a
• 38:52
  Speaker 2: good financial position. It's because I had to pull my
• 38:55
  Speaker 2: socks up and get myself out of that debt and
• 38:57
  Speaker 2: start saying no to things. And by being able to say,
• 39:00
  Speaker 2: I know, to things, I was saying yes to opportunity
• 39:02
  Speaker 2: and yes to being in a little bit more and
• 39:05
  Speaker 2: you know, even being able to be given the space
• 39:07
  Speaker 2: to think about my career, to think about what I
• 39:09
  Speaker 2: wanted to do. I just ended up in a better
• 39:12
  Speaker 2: position because I finally started sharing my journey and saying
• 39:15
  Speaker 2: to my friends, oh, actually I can't do that, Jess.
• 39:18
  Speaker 2: I need to save or I need to you know,
• 39:21
  Speaker 2: put some money into my debt, or I need to
• 39:23
  Speaker 2: do whatever it is. It was scary at the start,
• 39:26
  Speaker 2: but do you know what happened. It was like a snowball.
• 39:29
  Speaker 2: I started getting out of debt, but At the same time,
• 39:31
  Speaker 2: I was collecting stories from friends where I'd be like, oh,
• 39:34
  Speaker 2: for example, Jess, like, actually, I can't go out for dinner,
• 39:37
  Speaker 2: like I haven't been sleeping well because I've got this
• 39:40
  Speaker 2: debt and it's just really stressing me. Someone like Jess
• 39:42
  Speaker 2: would have turned around if we'd been friends while I
• 39:44
  Speaker 2: was in debt, like, oh my god, me too far out?
• 39:48
  Speaker 2: Do you know how empowering those conversations are when someone goes, oh,
• 39:52
  Speaker 2: me too, like I can almost guarantee that because humans
• 39:58
  Speaker 2: usually keep the same company, right like Beck, I'm assuming
• 40:01
  Speaker 2: that your very close friend group, similar values, similar morals,
• 40:05
  Speaker 2: just same me say, the second you start sharing small things,
• 40:09
  Speaker 2: it gives permission to other people to share their small things.
• 40:12
  Speaker 2: And instead of me going, oh, Jez, like, we've got
• 40:15
  Speaker 2: you know, Stef's birthday dinner soon and I just I
• 40:17
  Speaker 2: don't know how I'm going to afford it.
• 40:19
  Speaker 4: Oh my god.
• 40:19
  Speaker 2: There I was thinking the same thing. Those conversations can
• 40:23
  Speaker 2: become empowering, and I know that they feel like trash
• 40:26
  Speaker 2: at the beginning, because you're like, I don't know how
• 40:28
  Speaker 2: Jess is going to take this. I don't know what
• 40:30
  Speaker 2: she's going to say to me. Maybe she'll judge me.
• 40:32
  Speaker 2: I promise no good friend is going to judge you,
• 40:35
  Speaker 2: and I live and die by this quote. No one
• 40:37
  Speaker 2: doing more than you will ever speak less of you,
• 40:40
  Speaker 2: and if they do, they're out. So that's where I
• 40:43
  Speaker 2: will leave that one powerful but literally, nobody doing more
• 40:47
  Speaker 2: than you will ever speak less of you?
• 40:49
  Speaker 1: So true?
• 40:50
  Speaker 4: What did everybody else say?
• 40:51
  Speaker 2: All right? So the community, we obviously said, what's your
• 40:54
  Speaker 2: two cents? We said, do you ever fall victim to
• 40:56
  Speaker 2: fomo spending? Fourteen percent of you unrelated content, Nope, I'm
• 41:01
  Speaker 2: a budget queen. Okay, did you click.
• 41:04
  Speaker 4: That I have a phomo spender sometimes?
• 41:07
  Speaker 2: Fifty six percent of you said sometimes it gets me,
• 41:10
  Speaker 2: but I'm trying hard to resist. Just click to that one,
• 41:13
  Speaker 2: and twenty nine percent of you said, all the time.
• 41:15
  Speaker 2: The struggle is really real. I click that one. Then
• 41:19
  Speaker 2: we asked what's harder saying no to fomo spending or
• 41:22
  Speaker 2: the financial stress? Afterwards, thirty one percent of you said
• 41:26
  Speaker 2: the hardest thing is saying no to fomo, but sixty
• 41:28
  Speaker 2: nine percent of you said it's harder dealing with the
• 41:32
  Speaker 2: financial stress after spending.
• 41:34
  Speaker 4: The fallout is hard the fallout and it deals with
• 41:37
  Speaker 4: it exactly.
• 41:39
  Speaker 2: So then we said, all right, give us your two cents.
• 41:42
  Speaker 2: Someone said, do a sober month challenge with a friend.
• 41:45
  Speaker 2: You're going to save some cash, increase your health, and
• 41:48
  Speaker 2: it makes you get creative with your catch up ideas.
• 41:50
  Speaker 2: Love it kind of cute. Someone else said, at the
• 41:53
  Speaker 2: end of the day, your friends aren't paying your bills.
• 41:55
  Speaker 2: It's true, true, savage. Someone said, the only thing we'll
• 41:59
  Speaker 2: remember when we are old are the memories we make.
• 42:01
  Speaker 2: Money comes and goes. So true. Yes, that was me
• 42:07
  Speaker 2: that someone else said. I give in not from fomo,
• 42:11
  Speaker 2: but more from fear of being perceived as cheap or stingy.
• 42:15
  Speaker 4: But let's tell you, I hate that that is a thing.
• 42:19
  Speaker 4: Get rid of it, like be the cheap friend. Maybe
• 42:23
  Speaker 4: I'm the cheap friend. But like I don't think that
• 42:25
  Speaker 4: it's a bad thing.
• 42:26
  Speaker 2: No, not absolutely not. I think it's been the smart brand,
• 42:29
  Speaker 2: smart with money. Yes, like I think if we sat
• 42:32
  Speaker 2: down and you know, you know how you sometimes tell
• 42:34
  Speaker 2: your friends good things, like we've done this before, like
• 42:36
  Speaker 2: it just remember this is so unrelatable. But remember when
• 42:39
  Speaker 2: we had our dinner party in New York. So unrelatable.
• 42:43
  Speaker 2: But we had a friends giving dinner and anyone could
• 42:45
  Speaker 2: do this right. We had friends giving and the plan
• 42:48
  Speaker 2: was to have a really nice meal, home cooked meal together,
• 42:51
  Speaker 2: and we went around the table and we shared things
• 42:54
  Speaker 2: that we thought were inspirational about each other, things that
• 42:56
  Speaker 2: were grateful for each other for and it was literally
• 42:59
  Speaker 2: the most wholesome evening of my entire life in Chai night.
• 43:02
  Speaker 2: But I can always guarantee not one person if you
• 43:04
  Speaker 2: had all your friends in a room, if we said, oh,
• 43:08
  Speaker 2: what do we think is really great about Beck, not
• 43:10
  Speaker 2: one person is ever going to immediately go bit cheap.
• 43:14
  Speaker 2: Like They're literally going to say really kind things. They're
• 43:17
  Speaker 2: going to be like, oh, Jess is really resourceful. I
• 43:19
  Speaker 2: do not think of you as stingy or cheap. But
• 43:22
  Speaker 2: then when you are like oh, v I could give
• 43:24
  Speaker 2: you a list of examples, they'd be like, yeah, I
• 43:25
  Speaker 2: thought that was just you being smart. Yeah, Like I
• 43:27
  Speaker 2: just thought that you were good with money. I just
• 43:29
  Speaker 2: thought that you were actually intelligent and you were an
• 43:32
  Speaker 2: investor and you're probably going to be richer than me, Like,
• 43:34
  Speaker 2: is that not what's going on here? Yeah?
• 43:36
  Speaker 3: I've never ever with your any of my friends who
• 43:38
  Speaker 3: are really really good with their money. I've never thought
• 43:40
  Speaker 3: stingy cheap time. But like, I think there's definitely difference
• 43:44
  Speaker 3: between if you are the kind of person that is
• 43:46
  Speaker 3: taking the benefits of what everyone buying rounds, but you're
• 43:49
  Speaker 3: not buying them because it's not like, yeah, you're like
• 43:54
  Speaker 3: me and still a n's just don't buy anyone anything.
• 43:56
  Speaker 3: But yeah that those who are completely different what you
• 43:59
  Speaker 3: know this person could do and what you're doing. Jess
• 44:02
  Speaker 3: is obviously uv extremely smart, extremely admirable.
• 44:06
  Speaker 4: Yeah, don't they things and not reciprocate, but you don't.
• 44:09
  Speaker 4: You can find other ways to participate.
• 44:11
  Speaker 2: Yeah, calling someone stingy is moreover a reflection of you
• 44:16
  Speaker 2: and your values than of them and what they're doing.
• 44:19
  Speaker 2: Like if I said, oh, Victoria's stingy, I think that
• 44:23
  Speaker 2: just is a narrative that I've built in my head
• 44:26
  Speaker 2: that maybe I feel stingy when I do something like that.
• 44:29
  Speaker 2: But you never know someone's goals or motivations for doing something,
• 44:33
  Speaker 2: Like if Jess is like, oh, for example, you know
• 44:35
  Speaker 2: you might call your friend stingy if they're like, oh, no,
• 44:37
  Speaker 2: I don't want to split it. Equally, I actually want
• 44:39
  Speaker 2: to just pay for my items. You might think, or
• 44:42
  Speaker 2: someone might think, oh, that's real cheap. But Jess might
• 44:45
  Speaker 2: be thinking, oh, but Beck's not going to want to
• 44:47
  Speaker 2: do that, So I'm going to be the one that
• 44:49
  Speaker 2: speaks up. So she's not even the stingy friend. She
• 44:51
  Speaker 2: just knows that Beck only wants to pay for her
• 44:53
  Speaker 2: soda water and doesn't want to pay for my champagne.
• 44:55
  Speaker 2: You know, so she's fair one hundred percent. But like
• 44:59
  Speaker 2: you never I know why someone's bringing that up. And
• 45:01
  Speaker 2: if your default is thinking that Jess is being stingy
• 45:04
  Speaker 2: by making that comment, Babe, that says more about you
• 45:07
  Speaker 2: than it does about Jess's motivations.
• 45:09
  Speaker 4: Again, you need to do some work on yourself, do.
• 45:11
  Speaker 2: Some internal work, friend. Someone else said, and I thought
• 45:14
  Speaker 2: this was really smart. They said, I've actually started a
• 45:17
  Speaker 2: FOMO savings account. My goal is to get to two
• 45:19
  Speaker 2: grand before I'm allowed to start using it. Ah. I
• 45:22
  Speaker 2: like that she's like, oh, I'm really bad at her
• 45:25
  Speaker 2: a budget gone. Someone else said. For me, it's not
• 45:29
  Speaker 2: the pomo, it's feeling guilty for not being there. I
• 45:32
  Speaker 2: feel like I've let my friend down. I get that.
• 45:35
  Speaker 2: That's why turning up and having a little soda water
• 45:37
  Speaker 2: instead just be there. Absolutely, like I was talking to
• 45:41
  Speaker 2: a friend. This is so left or field. But I
• 45:45
  Speaker 2: was talking to a friend about going to a first
• 45:47
  Speaker 2: birthday and you all know I'm a new mom. I
• 45:50
  Speaker 2: am very dad new mum. And I was like, oh,
• 45:52
  Speaker 2: I really don't want to have to drive because it's
• 45:55
  Speaker 2: like a two hour drive. It's a regional birthday party.
• 45:57
  Speaker 2: And I'm like, oh, I really don't want to have
• 45:59
  Speaker 2: to drive. And she's like, like she would so understand
• 46:01
  Speaker 2: if you didn't go, Like it doesn't matter, and I
• 46:03
  Speaker 2: was like no, because people remember not the gift you brought.
• 46:07
  Speaker 2: They don't remember the thing you said or your excuse.
• 46:10
  Speaker 2: They remember that you were the one that turned up.
• 46:12
  Speaker 2: And I want to be remembered as that friend. So
• 46:15
  Speaker 2: just being there is the thing that's going to be remembered,
• 46:18
  Speaker 2: Not how much you spent or what dinner you had
• 46:20
  Speaker 2: or the entree you ordered. No one's going to remember
• 46:23
  Speaker 2: yeap Like, sometimes genuinely, I will ordered an entree because
• 46:26
  Speaker 2: I'm a little garbage guts and I already ate heaps
• 46:28
  Speaker 2: of food before I came out of the dinner with you.
• 46:29
  Speaker 2: Beck like that might just be a choice because I'm
• 46:33
  Speaker 2: not that hungry totally. Someone else said I always choose
• 46:37
  Speaker 2: to be the designated driver. I've fun with my friends
• 46:39
  Speaker 2: regardless of whether I'm drinking or not. Love that. Make
• 46:42
  Speaker 2: sure your friends are paying you for petrol thcause, like
• 46:44
  Speaker 2: deserted driver is no longer the cheap option. Someone else said,
• 46:50
  Speaker 2: challenge your friends to a month of no spend or
• 46:52
  Speaker 2: only doing activities at home. That way they get involved
• 46:55
  Speaker 2: to and save some cash.
• 46:57
  Speaker 4: True.
• 46:58
  Speaker 2: Someone else said, remember your value and your wife stay
• 47:01
  Speaker 2: alned girlfriend. Yeah. I think that's a perfect place to
• 47:04
  Speaker 2: leave it, because so true. Like we are such a
• 47:07
  Speaker 2: values driven community, and like, let's remember our values. Let's
• 47:11
  Speaker 2: remember what drives us and have some hard conversations so
• 47:15
  Speaker 2: that everyone's life can get easier. Perfectly perfectly said, all right, well,
• 47:20
  Speaker 2: I hope you guys have a beautiful weekend. I hope
• 47:22
  Speaker 2: that you enjoy money diaries on Monday. Until then, we
• 47:25
  Speaker 2: will see you later, bye, guys. By The advice shared
• 47:35
  Speaker 2: on She's on the Money is general in nature and
• 47:37
  Speaker 2: does not consider your individual circumstances. She's on the Money
• 47:41
  Speaker 2: exists purely for educational purposes and should not be relied
• 47:45
  Speaker 2: upon to make an investment or financial decision. If you
• 47:48
  Speaker 2: do choose to buy a financial product.
• 47:50
  Speaker 5: Read the PDS TMD and obtain appropriate financial.
• 47:53
  Speaker 2: Advice tailored towards your needs.
• 47:55
  Speaker 5: Victoria Divine and She's on the Money are authorized representatives
• 47:59
  Speaker 5: of Money up A p T Y L t D
• 48:01
  Speaker 5: A b N three two one six four nine two
• 48:04
  Speaker 5: seven seven zero eight a F s L four five
• 48:07
  Speaker 5: one two eight nine