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MONEY DIARIES: From Broke to Baller! · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 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
• 0:37
  Speaker 2: the Money. Hello, and welcome to She's on the Money,
• 1:00
  Speaker 2: the podcast for millennials who want financial freedom. Welcome back
• 1:04
  Speaker 2: to another one of our money diaries where we get
• 1:07
  Speaker 2: to talk with one of our incredible She's on the
• 1:09
  Speaker 2: Money community members all about their money story. Let's jump
• 1:13
  Speaker 2: straight into it, because this week I got a message
• 1:16
  Speaker 2: and it sounded exactly like this. Hi Victoria. I came
• 1:19
  Speaker 2: to Australia from Brazil five years ago as a student
• 1:22
  Speaker 2: with one thousand dollars and now I make one hundred
• 1:26
  Speaker 2: and eighty thousand dollars a year plus working in mining.
• 1:30
  Speaker 2: From working on a cruise ship to doing air Tasker,
• 1:33
  Speaker 2: I have sacrificed and saved, and I have finally made
• 1:36
  Speaker 2: my way up the pay brackets. I love she's on
• 1:39
  Speaker 2: the money and cannot wait to share my can do
• 1:42
  Speaker 2: story with you. Ah money darrist I can't wait to
• 1:45
  Speaker 2: hear your can do story either. Are you joking? From
• 1:48
  Speaker 2: doing air tasker to earning one hundred and eighty grand
• 1:51
  Speaker 2: a year? Are you kidding?
• 1:53
  Speaker 3: Yes? Yes, looking back, I cannot even believe that I
• 1:57
  Speaker 3: lived so many lives, I worked in so many things,
• 2:00
  Speaker 3: and now I'm here having a leadership position in a
• 2:05
  Speaker 3: very major dominated industry and like just thriving.
• 2:10
  Speaker 2: Queen, absolute queen behavior. I love to see it. Let's
• 2:14
  Speaker 2: get into it because I am very excited. It's a
• 2:17
  Speaker 2: very inspirational story. Let's start the way I always start money.
• 2:21
  Speaker 2: Dis tell me if I asked you to give yourself
• 2:23
  Speaker 2: a money grade from A through to F, what would
• 2:26
  Speaker 2: that grade be.
• 2:27
  Speaker 3: I think I would be a grade B because I
• 2:32
  Speaker 3: think I'm good at savings. But I also like I'm
• 2:37
  Speaker 3: a Taurus, so I think I like to indulge myself.
• 2:40
  Speaker 2: Into Yeah, that's going to get you.
• 2:43
  Speaker 3: Yes, especially traveling. So I travel a lot, so I
• 2:48
  Speaker 3: could be better at savings, but I think I'm pretty
• 2:51
  Speaker 3: good at Yeah.
• 2:52
  Speaker 2: Look, i'm a Cancerian, so it's like my way or
• 2:55
  Speaker 2: the highway. If I want a little treaty treat, I
• 2:57
  Speaker 2: obviously deserve a little treaty treat for doing nothing. So like,
• 3:00
  Speaker 2: that's absolutely fine, let's get into it. Though you moved
• 3:04
  Speaker 2: here five years ago from Brazil, tell me more about
• 3:07
  Speaker 2: your money story.
• 3:09
  Speaker 3: Yes, So when I was living in Brazil, I'm a
• 3:12
  Speaker 3: mechanical engineer, so I staid in mechanical engineering. And from
• 3:16
  Speaker 3: the beginning, my dad always said, you have to have
• 3:18
  Speaker 3: a spreadsheet, have a spreadsheet for everything.
• 3:21
  Speaker 2: He's a genius man after my own heart.
• 3:24
  Speaker 3: He's like, I won't give you one cent if you
• 3:27
  Speaker 3: don't show me that you were doing a spread cheet
• 3:29
  Speaker 3: and everything. And then I was like, oh my god,
• 3:32
  Speaker 3: this is so annoying. This was actually the worst. I
• 3:35
  Speaker 3: was like, no, this can't be true. I can't do
• 3:38
  Speaker 3: this for the rest of my life. But I eventually
• 3:42
  Speaker 3: got into it. I never saved any money. I was
• 3:45
  Speaker 3: not good with money. I absolutely didn't have any money.
• 3:49
  Speaker 3: I graduated and with zero savings. But then I was
• 3:54
  Speaker 3: an adult and in real life, and I had to
• 3:57
  Speaker 3: fight a job. And I couldn't fight a job. I
• 4:00
  Speaker 3: had mechanico engineering degree, I knew how to speak English,
• 4:04
  Speaker 3: I had done internships, but I couldn't find a job.
• 4:08
  Speaker 2: That's crazy, Yeah, especially because you were so talented and
• 4:12
  Speaker 2: the fact that you speak honestly such clear English. I mean,
• 4:15
  Speaker 2: you've been here for five years, but I'm sure that
• 4:17
  Speaker 2: you've been able to speak English for longer than that.
• 4:19
  Speaker 2: It's just like wow, Like that's such especially where you're from,
• 4:23
  Speaker 2: Like that's so valuable.
• 4:25
  Speaker 3: Yes, it should be. And I graduated from a good
• 4:29
  Speaker 3: university and with an engineering degree, and I couldn't find
• 4:33
  Speaker 3: a job. And then that got me. I spent like
• 4:35
  Speaker 3: six months apply and because I live in a remote
• 4:39
  Speaker 3: part of Brazil, I had to travel for job interviews.
• 4:42
  Speaker 2: Oh my gosh.
• 4:43
  Speaker 3: And then it was very heartbreaking for me.
• 4:45
  Speaker 2: I was gonna say, was that really disheartening? Were you
• 4:47
  Speaker 2: just really upset? Because I would have just been like
• 4:50
  Speaker 2: I've tried so hard and i just feel like I'm
• 4:53
  Speaker 2: getting nowhere.
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  Speaker 3: I got nowhere. I was so heartbroken. It was at
• 4:58
  Speaker 3: a point of my life. I was like I just
• 5:02
  Speaker 3: was lying in bed and I was like, what's the point.
• 5:05
  Speaker 3: What's the point. And then I just decided to get
• 5:09
  Speaker 3: a job. I said, I'm going to get a job
• 5:11
  Speaker 3: anywhere they want me to get a job, like they
• 5:14
  Speaker 3: anywhere they accept me. And then I got a job
• 5:17
  Speaker 3: in a cruise ship.
• 5:19
  Speaker 2: Oh cool, I feel like I love this work ethic.
• 5:21
  Speaker 2: You're like, no, I'm not gonna lie in bed. I
• 5:23
  Speaker 2: don't care. I'm just going to take any job. You
• 5:26
  Speaker 2: just applied for a job on a cruise ship one day, yes.
• 5:29
  Speaker 3: Because my friend said that. I had a friend alongline
• 5:32
  Speaker 3: friend and he said, I think that if you get
• 5:35
  Speaker 3: a job in a cruise ship, it'll give you a resilience. Yeah,
• 5:40
  Speaker 3: And then he said I think that'll be a very
• 5:43
  Speaker 3: good grow opportunity for you. And then I applied for it.
• 5:46
  Speaker 3: And then they were like, they literally take anyone that
• 5:49
  Speaker 3: can speak English.
• 5:51
  Speaker 2: So I mean, all right, well we've got a job
• 5:54
  Speaker 2: ten out of ten.
• 5:56
  Speaker 3: Yes. So I got a job. And then my parents
• 5:58
  Speaker 3: were not very happy because or like you were an engineer.
• 6:01
  Speaker 2: Because you can't get a job as an engineer, mom,
• 6:03
  Speaker 2: that's why.
• 6:03
  Speaker 3: So I went to the cruise ship and then this
• 6:06
  Speaker 3: cruise ship. I worked for six months, and let me
• 6:10
  Speaker 3: tell you, they don't have any days off, like, no
• 6:13
  Speaker 3: days off, No, not a single day off. You have
• 6:17
  Speaker 3: to work every day for six months and you only
• 6:21
  Speaker 3: get paid like five hundred US dollars.
• 6:23
  Speaker 2: Wait, like a week or a month or a month? No,
• 6:26
  Speaker 2: absolutely not.
• 6:29
  Speaker 3: You're going to get paid a month and plus. Because
• 6:32
  Speaker 3: I was a salesperson, I was getting commissioned, so if
• 6:35
  Speaker 3: I seld things.
• 6:36
  Speaker 2: I'd buy stuff from you. So did you make lots
• 6:38
  Speaker 2: of commissions?
• 6:39
  Speaker 3: No? In total I would get in between seven hundred
• 6:43
  Speaker 3: US dollars and a thousand US dollars per month for
• 6:49
  Speaker 3: six months, but it was working twelve hour days or more.
• 6:54
  Speaker 2: My gosh, did you enjoy this experience or is that
• 6:57
  Speaker 2: something you're like, I really want to be in the
• 6:59
  Speaker 2: engineer now.
• 7:00
  Speaker 3: I felt like it was a great experience because one
• 7:05
  Speaker 3: day one lady told me, oh, I used to work
• 7:07
  Speaker 3: like you did before. And the beadt thing about this
• 7:10
  Speaker 3: is you're never going to have a worse job ever.
• 7:16
  Speaker 2: The audacity. I love that. So you can only go
• 7:20
  Speaker 2: out from here, bab, it can only go out from here.
• 7:22
  Speaker 3: You can only go up. And then I thought it
• 7:24
  Speaker 3: was very inspiring actually, because no matter how bad like
• 7:28
  Speaker 3: I'm feeling about my other jobs, I'm like, I've been
• 7:32
  Speaker 3: through worse.
• 7:33
  Speaker 2: Yeah, fair, fair, But I.
• 7:36
  Speaker 3: Got to travel. It was very fun. It was a
• 7:39
  Speaker 3: little bit tiring because you worked for eight hours and
• 7:42
  Speaker 3: then you will have a chance to travel. You were
• 7:44
  Speaker 3: in Barcelona, but you're like, oh my god, I'm so tired.
• 7:47
  Speaker 2: They not, Yeah, yes.
• 7:49
  Speaker 3: But I saved a lot. I saved like three thousand
• 7:51
  Speaker 3: US dollars. I didn't spend any money shit. I like,
• 7:55
  Speaker 3: I think it's just something changing in my brain. And
• 7:58
  Speaker 3: I was really focused to come Australia because I thought
• 8:01
  Speaker 3: that Australia would be a good place to restart.
• 8:04
  Speaker 2: Have fresh split.
• 8:05
  Speaker 3: Yeah, to have a fresh start. And I had saved
• 8:09
  Speaker 3: those three thousand dollars. It caused me maybe like five
• 8:12
  Speaker 3: thousand dollars to come to Australia. I know, my dad
• 8:16
  Speaker 3: helped me with a little bit more money and then
• 8:20
  Speaker 3: he said, okay, now I have to go. And then
• 8:24
  Speaker 3: when I arrived here, I had very little money, like
• 8:29
  Speaker 3: I was nothing. I told you, like one thousand dollars,
• 8:31
  Speaker 3: two thousand dollars.
• 8:32
  Speaker 2: Which in this economy doesn't stretch that far, right, when I.
• 8:35
  Speaker 3: Had to play for Bond, I was living in a
• 8:38
  Speaker 3: room with two other girls, Like, yeah, wow, my house
• 8:42
  Speaker 3: had I think, my.
• 8:44
  Speaker 2: People what and you're all sharing rooms?
• 8:46
  Speaker 3: All sharing rooms. That was a guy leaving the couch.
• 8:50
  Speaker 3: It was crowded, but I think it's a lot of
• 8:53
  Speaker 3: international students come here and they had experienced the same.
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  Speaker 2: Yeah.
• 8:58
  Speaker 3: So I was here and then I had six months
• 9:02
  Speaker 3: because I wasn't studying English. I already knew how to
• 9:04
  Speaker 3: speak English. I was study a Certificate of in Project
• 9:07
  Speaker 3: Management SMART and I started looking for jobs and it
• 9:12
  Speaker 3: was I thought. I was like, I'm going to get
• 9:14
  Speaker 3: into the country. I know how to speak English. It'd
• 9:17
  Speaker 3: be so easy. It wasn't easy.
• 9:20
  Speaker 4: No, oh my gosh, it wasn't easy, like as easy
• 9:25
  Speaker 4: as I thought now that I when I think about it,
• 9:28
  Speaker 4: it was easier because I could speak English.
• 9:31
  Speaker 3: But when you're leaving the moment, you're feeling like, oh
• 9:35
  Speaker 3: my god, whelmed, overwhelmed. I'm in this new country, I
• 9:39
  Speaker 3: don't know anyone. I'm leaving this room with these two
• 9:42
  Speaker 3: other girls who I've never met before, and I don't
• 9:46
  Speaker 3: have a lot of money. So I had to find money.
• 9:49
  Speaker 3: So I signed up for air test because the other
• 9:52
  Speaker 3: people that lived with me they told me about it.
• 9:54
  Speaker 3: And in this air tester, because I didn't have any experience,
• 9:57
  Speaker 3: no one was and hiring me.
• 10:00
  Speaker 2: Book to you. Oh no, I'm guilty of that. Honestly.
• 10:03
  Speaker 2: Whenever I'm booking an air Taska, I'm always like, I
• 10:06
  Speaker 2: really want this job done. But like, obviously it's people
• 10:09
  Speaker 2: I've never met before, so I literally just go, oh,
• 10:11
  Speaker 2: they've got some good reviews, or I'll book them. That
• 10:15
  Speaker 2: makes me want to book people who don't have any reviews.
• 10:18
  Speaker 3: It happened.
• 10:19
  Speaker 2: Sorry, sorry that was me.
• 10:21
  Speaker 3: It happens. But because I will do that to you,
• 10:24
  Speaker 3: like I will hire someone who has experienced. But then
• 10:26
  Speaker 3: I just decided I created a great profile. I put
• 10:30
  Speaker 3: some pictures so everyone could see like I'm smiley, I'm happy.
• 10:34
  Speaker 2: A nice lady. Yeah yeah, like if I met you,
• 10:36
  Speaker 2: i'd book you immediately, that's okay, yes.
• 10:39
  Speaker 3: And then I noticed that if I got into the
• 10:42
  Speaker 3: app at like six am or seven am, some people
• 10:47
  Speaker 3: were posting jobs and no one was there to apply.
• 10:50
  Speaker 3: And then I was like getting them because I was
• 10:52
  Speaker 3: a faster, like the fastest.
• 10:54
  Speaker 2: Yes, smart woman, she's speedy, speedy.
• 10:57
  Speaker 3: It was all about speed. And then I started growing
• 11:00
  Speaker 3: and I did so many jobs, like cleaning jobs. I
• 11:03
  Speaker 3: did handing pamphlets on the streets. I got some flowers
• 11:08
  Speaker 3: for a guy to propose to his partner.
• 11:11
  Speaker 2: Oh that's so wholesome.
• 11:13
  Speaker 3: Yes. And I had like many, many, many opportunities. It
• 11:17
  Speaker 3: was a jump start, and it gave me a boost
• 11:20
  Speaker 3: of confidence that I was really needing at the moment.
• 11:22
  Speaker 3: I just started to have a goal to make like
• 11:25
  Speaker 3: one thousand dollars per week, and I was like, this
• 11:28
  Speaker 3: is so impossible. I will never make one thousand dollars
• 11:30
  Speaker 3: per week.
• 11:31
  Speaker 2: Did you do it?
• 11:31
  Speaker 3: Yes?
• 11:32
  Speaker 2: Oh my gosh, a thousand dollars a week on Air Taska.
• 11:35
  Speaker 3: Yes. I was doing everything. And then because I was
• 11:38
  Speaker 3: doing a lot of cleaning jobs and I didn't have
• 11:40
  Speaker 3: vacuum cleaner, I used to get the vacuum cleaner behind
• 11:44
  Speaker 3: my flatmates back because they couldn't see that I was
• 11:47
  Speaker 3: taking the vacuum cleaner and I was taking the vacuum
• 11:49
  Speaker 3: cleaner on the public transport to clean other people's house.
• 11:54
  Speaker 2: I love you, You're the best. Not the hustle is real.
• 11:57
  Speaker 2: Get it clean and no.
• 11:58
  Speaker 3: I applied for and then I applied for another job.
• 12:01
  Speaker 3: Who was promotions. It's they give you a stent and
• 12:06
  Speaker 3: they make you go to supermarkets like you go to woolies.
• 12:09
  Speaker 3: You go to calls and you have to do sampling.
• 12:12
  Speaker 3: So you have to give some people. Do you want
• 12:14
  Speaker 3: to cheese? Do you want to try this cheese? Do
• 12:15
  Speaker 3: you want to try this yogurt? I told them that
• 12:18
  Speaker 3: I had a car, but I didn't have a.
• 12:20
  Speaker 2: Car, a ha ha ha.
• 12:22
  Speaker 3: I remember, just for the money, and I was getting
• 12:25
  Speaker 3: those standards. It's big, big, big set up, set up
• 12:31
  Speaker 3: public transport, and I would go to so many places.
• 12:35
  Speaker 3: It was insane.
• 12:36
  Speaker 2: You're crazy, but I love it. And I also like
• 12:39
  Speaker 2: mad respect for the hustle, like there seems to be
• 12:42
  Speaker 2: I don't know this underlying, Like you know, people come
• 12:45
  Speaker 2: in from international and they take our jobs. Like how
• 12:48
  Speaker 2: many people actually have the resilience and the drive to
• 12:52
  Speaker 2: do the jobs that you have done? Like I love it.
• 12:55
  Speaker 2: You deserve everything that comes your way, like that is
• 12:58
  Speaker 2: the best ever.
• 12:59
  Speaker 3: That's how I was very focused on staying here because
• 13:03
  Speaker 3: I love the country. I fell in love. It was
• 13:05
  Speaker 3: so nice. I was like, I'm living here. I saved
• 13:09
  Speaker 3: money to go to a migration lawyer and then he said.
• 13:12
  Speaker 3: I was like, I'm an engineer. I can't stay here.
• 13:15
  Speaker 3: My skill is in high demand. And he said, oh,
• 13:18
  Speaker 3: I think. I don't think. Because you have no experience
• 13:21
  Speaker 3: in engineering, it's not very likely that you migrate. So
• 13:25
  Speaker 3: you have to get married.
• 13:27
  Speaker 2: And I was like, what, No, let's get a new
• 13:30
  Speaker 2: lawyer's let's not talk to him. He sounds like a
• 13:33
  Speaker 2: bit of a fluff muppet.
• 13:34
  Speaker 3: I was like, why, no, no way, and then I
• 13:39
  Speaker 3: told I. Eventually I talked to someone else and they're like, no,
• 13:43
  Speaker 3: we're going to have this plan for you, and you're
• 13:47
  Speaker 3: going to study civil engineering a diploma. You're doing to
• 13:50
  Speaker 3: do a diploma, you're gonna graduate, and then you're gonna
• 13:54
  Speaker 3: have a graduate visa and it will be allowed to
• 13:57
  Speaker 3: follow your path. And I was like, yes, this is
• 14:00
  Speaker 3: the playtime going. And I arrived here in February two,
• 14:03
  Speaker 3: twenty eighteen, and by June twenty eighteen, I had saved
• 14:10
  Speaker 3: three thousand dollars four.
• 14:12
  Speaker 2: Oh my gosh, it's the costs. Yeah, good work.
• 14:16
  Speaker 3: Uh huh.
• 14:17
  Speaker 2: The hustle was real. I bet you didn't want to
• 14:19
  Speaker 2: separate with that too quickly.
• 14:20
  Speaker 3: No, But I was like, I can't do this. I'm
• 14:24
  Speaker 3: saving so much money. This country is amazing. It would
• 14:27
  Speaker 3: get better. And then I did. I study. I paid
• 14:30
  Speaker 3: for my course because when you're international student, you have
• 14:33
  Speaker 3: to pay as you go. You don't have like hats
• 14:36
  Speaker 3: or you can get alone. And I paid for everything
• 14:40
  Speaker 3: and I didn't go out. I was leaving in Brisbane. Yeah,
• 14:44
  Speaker 3: people asked me, Oh, how about the restaurants in Brisbane.
• 14:47
  Speaker 2: You're like, I don't know about restaurants in Brisbane. I'm saving.
• 14:50
  Speaker 3: I don't know. I haven't bought clothes nothing. I was
• 14:54
  Speaker 3: just saving, saving and study saving and study saving and study.
• 14:59
  Speaker 3: And then at the end of it, I have like
• 15:01
  Speaker 3: four thousand layers and savings. And I decided to go
• 15:03
  Speaker 3: to Japan. I was gonna thirt thirty, and then I
• 15:07
  Speaker 3: was freaked out.
• 15:08
  Speaker 2: You're like, I've got to do something big.
• 15:10
  Speaker 3: I was having a crisis. I was like, I'm thirty,
• 15:13
  Speaker 3: I have to do something. I've got to Japan. I
• 15:16
  Speaker 3: was in Japan and I was living my best life.
• 15:19
  Speaker 2: I love this. I love this.
• 15:21
  Speaker 3: I thought, I'm going back to Australia and I'm working
• 15:24
  Speaker 3: as I work, and I'm saving this money back.
• 15:26
  Speaker 2: It'll be funny exactly.
• 15:28
  Speaker 3: It wasn't it was March twenty twenty.
• 15:31
  Speaker 2: Oh no, that's the worst. You got kicked twelve you
• 15:34
  Speaker 2: were down.
• 15:36
  Speaker 3: It was March twenty twenty.
• 15:38
  Speaker 2: I mean, at least you squeazed a holiday in before
• 15:40
  Speaker 2: the world locks it down. Strategic.
• 15:42
  Speaker 3: I like it, Yes, And I had to come back
• 15:44
  Speaker 3: because my boss was calling me and he was like,
• 15:46
  Speaker 3: is that defent? Borders are gonna close. You have to
• 15:48
  Speaker 3: come back.
• 15:49
  Speaker 2: You need to come back, otherwise you're never coming back.
• 15:52
  Speaker 3: I'm never comming. I I was never going coming back
• 15:54
  Speaker 3: because the country stay closed for two years.
• 15:57
  Speaker 2: It was yes, crazy.
• 16:00
  Speaker 3: I came back and I couldn't find a job because
• 16:02
  Speaker 3: I worked with hospitality. I worked with international students, and
• 16:06
  Speaker 3: that's how I paid my course too, because I got
• 16:08
  Speaker 3: a job in this student agency and they had a discount,
• 16:13
  Speaker 3: so it was much easier because I had like a
• 16:16
  Speaker 3: thirty forty percent discount on my course, which was a
• 16:20
  Speaker 3: very good money saving.
• 16:21
  Speaker 2: Yeah money wain yeah money.
• 16:23
  Speaker 3: Wait, Yes, twenty twenty happened, and then I just concentrated
• 16:26
  Speaker 3: and finished my studies, studying a lot. I had some jobs,
• 16:30
  Speaker 3: but it wasn't something like real, and then I de
• 16:33
  Speaker 3: scided I only wanted to work as an engineer. It
• 16:36
  Speaker 3: was very hard. I offered to do an internship for free,
• 16:41
  Speaker 3: where I went from Brisbane to Go Coast on a train.
• 16:44
  Speaker 3: I had no money, and I was having even less
• 16:47
  Speaker 3: money because it costs like ten dollars the round trip
• 16:50
  Speaker 3: from as a student, and I was like, is this
• 16:53
  Speaker 3: the right choice? It wasn't really the right choice because
• 16:57
  Speaker 3: I stayed there for one month and they told me
• 16:59
  Speaker 3: I saw basically I'm not really good at apparently at drafting.
• 17:05
  Speaker 3: I tried again. I did everything.
• 17:08
  Speaker 2: Seriously, I'm so proud of you. Are you proud of yourself?
• 17:11
  Speaker 2: I bet you're proud of yourself. You have to begh
• 17:12
  Speaker 2: after all this.
• 17:14
  Speaker 3: I am because I paid for a company they span
• 17:17
  Speaker 3: your regiment. That's how desperate I was. I don't recommend
• 17:21
  Speaker 3: this to anyone because it is so bad and desperate,
• 17:23
  Speaker 3: but I was desperate. I was desperate. I was like,
• 17:26
  Speaker 3: I have to do something.
• 17:27
  Speaker 2: You knew what you wanted.
• 17:28
  Speaker 3: I had to try. I like I already had to know.
• 17:32
  Speaker 3: So I spent my regiment and one company they called
• 17:35
  Speaker 3: me and I worked there for one month. But the
• 17:37
  Speaker 3: guy said, oh, you don't know how to do this,
• 17:40
  Speaker 3: so I'm not paying you and I'm like, oh, fair, fair,
• 17:43
  Speaker 3: I don't like you either.
• 17:43
  Speaker 2: So oh no.
• 17:46
  Speaker 3: Finally, in November twenty twenty, I had a friend and
• 17:50
  Speaker 3: she said, oh, my friend has a vacancy in her
• 17:53
  Speaker 3: company and you should apply. And she sent me the
• 17:55
  Speaker 3: vacancy and it was for a civil engineer with five
• 17:59
  Speaker 3: years of experience. And I was like, oh, but I'm
• 18:01
  Speaker 3: a mechanic engineer with sero years of experience and she said, oh,
• 18:06
  Speaker 3: that sounds different, but I applied anyway, give it a crack.
• 18:11
  Speaker 3: It was COVID What's Crazy Times. And then some guy
• 18:15
  Speaker 3: called me and he was like, oh, are you interested
• 18:18
  Speaker 3: to move to the outback Australia and leave in this
• 18:21
  Speaker 3: mining town and we'll give you a job. And I
• 18:24
  Speaker 3: was like absolutely, I'm going.
• 18:26
  Speaker 2: Of course, I'm down for anything.
• 18:28
  Speaker 3: At this point, I'm young for anything. And he said
• 18:31
  Speaker 3: how long will it take you to come here? And
• 18:33
  Speaker 3: I said one week.
• 18:34
  Speaker 2: Oh my gosh. He would have been like that's crazy. Yes,
• 18:37
  Speaker 2: fired immediately.
• 18:39
  Speaker 3: Uh huh. In retrospect, when I'm thinking about it, I think, oh,
• 18:42
  Speaker 3: I just said yes to this random guy I don't
• 18:45
  Speaker 3: know to go to out back Australia. That's a little
• 18:49
  Speaker 3: bit dangerous.
• 18:50
  Speaker 2: That's a little bit questionable, but we're not gonna You're
• 18:53
  Speaker 2: safe and fine now, so let's not talk too much
• 18:55
  Speaker 2: about that.
• 18:56
  Speaker 3: So it worked out fine. I went there and they
• 19:00
  Speaker 3: had me on a salary of fifty four thousand a year,
• 19:04
  Speaker 3: and for me, I was great. I was like, this
• 19:06
  Speaker 3: is great. I loved it. I have an income now
• 19:09
  Speaker 3: after a year of not having an income. But I
• 19:12
  Speaker 3: was working like sixty hours a week. And then I
• 19:16
  Speaker 3: did the mess and I was like, oh, this is
• 19:18
  Speaker 3: like a teenager working at McDonald's would make more money
• 19:22
  Speaker 3: than I am. And then I was like, oh, this
• 19:25
  Speaker 3: is not good. But like one month later they were like,
• 19:28
  Speaker 3: oh we're making it was really good. So we're giving
• 19:33
  Speaker 3: you a raise and you are making now seventy five
• 19:35
  Speaker 3: thousand dollars a year.
• 19:37
  Speaker 2: What from fifty four thousand to seventy five is a
• 19:40
  Speaker 2: massive jump.
• 19:42
  Speaker 3: Yes, That's why I was like, oh my god, oh
• 19:45
  Speaker 3: my god, much money. I was so impressed. But I
• 19:48
  Speaker 3: was leaving the desert and a city with six thousand people.
• 19:52
  Speaker 3: They have two pubs, and I was there all by
• 19:56
  Speaker 3: myself again in the city where I knew and I
• 19:59
  Speaker 3: didn't know anyone. But I was making more money than
• 20:02
  Speaker 3: I could ever imagine I was going to make. And
• 20:05
  Speaker 3: then everything happened. I got invited to apply for my
• 20:08
  Speaker 3: permanent residency, and I told them, no, I can't live
• 20:11
  Speaker 3: here anymore. There's nothing to do in this town. I'm
• 20:14
  Speaker 3: not a big drinker. That's the only thing that people
• 20:17
  Speaker 3: doing here. Yeah, I can't. I'm going to leave. And
• 20:21
  Speaker 3: then they said, oh, what if we labor hire you
• 20:25
  Speaker 3: as an engineer to another company and give you fifty
• 20:29
  Speaker 3: dollars an hour?
• 20:30
  Speaker 2: And You're like, wait, well, why wasn't that an option
• 20:32
  Speaker 2: at the start?
• 20:33
  Speaker 3: I was like, okay, so I'm working for twelve hours
• 20:37
  Speaker 3: and fifty dollars an hour. That's so much money. Of
• 20:41
  Speaker 3: course I said yes, I said yes, And then I
• 20:44
  Speaker 3: started working for this new company as a labor higher
• 20:48
  Speaker 3: in August twenty twenty one. So in six months, I
• 20:51
  Speaker 3: was like, I seex seven seven eight months, I went
• 20:56
  Speaker 3: from being a student and making fifty four thousand dollars
• 21:00
  Speaker 3: and to being a permanent resident and and making fifty
• 21:06
  Speaker 3: dollars an hour.
• 21:07
  Speaker 2: Oh my gosh. And you thought you'd picked there, didn't you.
• 21:11
  Speaker 3: Yes. I was like, oh my god, this is so good,
• 21:15
  Speaker 3: so good, so good. I was so happy. I was
• 21:19
  Speaker 3: not so happy because it's a very demanding job too,
• 21:23
  Speaker 3: very long hours. I started working at five am. But
• 21:26
  Speaker 3: then I continue in this company and then they asked
• 21:28
  Speaker 3: me to join the other company. I was being labor
• 21:30
  Speaker 3: highed and they decide, oh, I'm gonna pay you sixty
• 21:33
  Speaker 3: dollars an hour, and I was.
• 21:35
  Speaker 2: Like yes, please, yes, please, yes, yes.
• 21:39
  Speaker 3: It was great. I had like really good bosses who
• 21:42
  Speaker 3: was They were always looking after me and they were like, oh,
• 21:45
  Speaker 3: I'm gonna help you to negotiate your salary. He was
• 21:49
  Speaker 3: the one who like, don't take less than sixty dollars
• 21:51
  Speaker 3: an hour. As for sixty X for sixty, you're gonna
• 21:54
  Speaker 3: get it. And that's worth really good for me because
• 21:57
  Speaker 3: I was like fully, really proud of myself because I
• 22:00
  Speaker 3: had people behind like who are helping me and eventually
• 22:05
  Speaker 3: these balls of mine. He retired and I started working
• 22:09
  Speaker 3: there in August. In December, he wrote a letter to
• 22:12
  Speaker 3: his boss and said I'm going to retire and I
• 22:14
  Speaker 3: want to be in my place.
• 22:15
  Speaker 2: Oh my gosh, what uh huh?
• 22:18
  Speaker 3: And I was like, are you sure because you have
• 22:21
  Speaker 3: been doing this for like thirty five years and I'm
• 22:24
  Speaker 3: not thirty five years of age.
• 22:26
  Speaker 2: No, you don't even look thirty. So that's the money
• 22:28
  Speaker 2: win for everybody involved.
• 22:29
  Speaker 3: Yes, And I was like, are you sure, and he's like, no,
• 22:32
  Speaker 3: I'm sure. You are really good. You're really good. You
• 22:35
  Speaker 3: need more. Of course, I'll guide you through it because
• 22:38
  Speaker 3: you need experience, but you won't only get experienced by
• 22:43
  Speaker 3: doing it, and I want to give you this opportunity.
• 22:46
  Speaker 3: And he retired in April twenty twenty two and I
• 22:51
  Speaker 3: start working in his position.
• 22:53
  Speaker 2: Oh my gosh, and that's how you got to earn
• 22:55
  Speaker 2: one hundred and eighty thousand dollars.
• 22:57
  Speaker 3: Yes, because and then now I worked there, they didn't
• 23:00
  Speaker 3: give me any raises, and then I asked them. I
• 23:02
  Speaker 3: was like, oh, I'd been working in this role for
• 23:05
  Speaker 3: like five months and I didn't get a raise or
• 23:08
  Speaker 3: a letter saying I'm in this role. I'm just getting
• 23:11
  Speaker 3: pushed into meetings and asked for.
• 23:13
  Speaker 2: Saying, oh, yeah, that's not cool.
• 23:15
  Speaker 3: No, no, And I asked for it, and then I said, oh,
• 23:19
  Speaker 3: I'm going to see what I'm going to do. And
• 23:21
  Speaker 3: then he offered me seventy five dollars an hour.
• 23:24
  Speaker 2: Oh my gosh, and now she's rolling in it. I
• 23:28
  Speaker 2: cannot believe it. Yes, I'm so proud of you. So
• 23:32
  Speaker 2: tell me now, what's your job description and your salary package?
• 23:36
  Speaker 3: So I'm a quality manager. Yeah, and I get a
• 23:40
  Speaker 3: flat rate which is seventy five an hour. I do
• 23:44
  Speaker 3: twelve hour days, so it adds up and yeah plus
• 23:49
  Speaker 3: super supernovasion and that's what made.
• 23:51
  Speaker 2: Yeah money when and that comes out at one eighty
• 23:54
  Speaker 2: grand plus a year depending on how many hours you do.
• 23:57
  Speaker 3: Uh huh.
• 23:57
  Speaker 2: Yeah, So tell me you are a hustle at heart
• 24:01
  Speaker 2: like you are a very good saver. What are you
• 24:03
  Speaker 2: now saving for? What's your big money goal?
• 24:05
  Speaker 3: I'm saving to buy a house.
• 24:08
  Speaker 2: Yes, are you going to live here forever?
• 24:11
  Speaker 3: I will live here forever. I'm a seatter now and
• 24:14
  Speaker 3: then I'm going to live here forever. So I'm trying
• 24:17
  Speaker 3: to buy a house right now. I have everything saved.
• 24:20
  Speaker 3: But money wise, I'm very I never made any big purchases.
• 24:26
  Speaker 1: Yeah.
• 24:26
  Speaker 2: I was gonna say, you need a good mortgage broker.
• 24:28
  Speaker 2: I've heard Zella money are fantastic if anybody needs the
• 24:32
  Speaker 2: best mortgage brokers in the business. But it's scary, isn't it,
• 24:36
  Speaker 2: Especially when you go from not having a lot and
• 24:39
  Speaker 2: having to work so hard for every single dollar to them.
• 24:43
  Speaker 2: Being in a position where you're earning a lot more,
• 24:45
  Speaker 2: do you feel like it can be kind of ripped
• 24:48
  Speaker 2: away from you? Because I feel like a lot of
• 24:50
  Speaker 2: people in your position that I talk to often like, ah,
• 24:53
  Speaker 2: what if it doesn't last?
• 24:54
  Speaker 3: Yes, I feel that a lot. I don't do big purchases.
• 24:58
  Speaker 3: I never bought a car because I I think that's
• 25:01
  Speaker 3: a lot of money. I don't need that I can
• 25:04
  Speaker 3: leave without it. And because it's everything is so recent
• 25:07
  Speaker 3: and it changes so much and so fast, I often
• 25:11
  Speaker 3: feel some conscious like, oh is this gonna last?
• 25:15
  Speaker 2: We know it is. You're a hustler, You're not going anywhere.
• 25:17
  Speaker 3: Yeah, that's when I was thinking about this and how
• 25:21
  Speaker 3: far I came, and how I had to restart again
• 25:25
  Speaker 3: so many times, like COVID and I made it. I
• 25:30
  Speaker 3: feel like I'll be I'll be. I think I'll be
• 25:33
  Speaker 3: all right, I'll be all.
• 25:33
  Speaker 2: Right, you will be absolutely fine. I'm so proud of you.
• 25:37
  Speaker 2: Does it sometimes make you remember back to that time
• 25:40
  Speaker 2: when you were in Brazil laying in your bed, going
• 25:42
  Speaker 2: is this even worth it?
• 25:44
  Speaker 1: Like?
• 25:44
  Speaker 2: I feel like so many of us have been in
• 25:46
  Speaker 2: that position where we're like this isn't worth it, nothing's
• 25:48
  Speaker 2: working out, and then like a few years down the track,
• 25:51
  Speaker 2: look at you killing it.
• 25:52
  Speaker 3: Yes. And I also I wanted to share my story
• 25:55
  Speaker 3: because some people are like, oh, I see a lot
• 25:58
  Speaker 3: in the group. What people like, Oh, I'm twenty five
• 26:01
  Speaker 3: and I don't have a house. Oh I'm gonna die.
• 26:06
  Speaker 2: Yeah. I know it's dramatic, isn't it. And you're like,
• 26:08
  Speaker 2: that doesn't matter.
• 26:09
  Speaker 3: That doesn't matter. You can start again and try. I
• 26:13
  Speaker 3: never thought about this as being oh I'm so brave
• 26:16
  Speaker 3: until everyone was pointed out though, oh you're so brave.
• 26:20
  Speaker 3: You're so brave, and I was like, okay, actually maybe
• 26:24
  Speaker 3: it is, and yeah, just everyone, you can do it too.
• 26:28
  Speaker 2: I feel like it's interesting when people use the word
• 26:30
  Speaker 2: brave right, like, please don't get me wrong, I would
• 26:33
  Speaker 2: love to be labeled brave, Like being brave is very,
• 26:36
  Speaker 2: very impressive. However, I feel like sometimes you get labeled
• 26:40
  Speaker 2: brave when you're just doing what you feel like you
• 26:42
  Speaker 2: have to do in the moment. You're like, I'm not
• 26:45
  Speaker 2: being brave. I just need to live life, and I
• 26:48
  Speaker 2: just need money, and I need to put food on
• 26:51
  Speaker 2: the table, and arguably that's not that brave. But I
• 26:54
  Speaker 2: think it's it's more about being honest with ourselves, like
• 26:57
  Speaker 2: so many people give up and to get up every
• 27:00
  Speaker 2: single day and just do what you need to do
• 27:02
  Speaker 2: and carry you know, whole sampling setups on trams and
• 27:06
  Speaker 2: trains and you know, not having a car, like that's brave,
• 27:10
  Speaker 2: that is brave. Like lots of people wouldn't do what
• 27:13
  Speaker 2: you did, and I think that's why we default to
• 27:15
  Speaker 2: this idea of, oh my gosh, that's so brave, and
• 27:17
  Speaker 2: that's actually them saying I would never do what you did.
• 27:20
  Speaker 2: I don't have that tenacity, and so you kind of go, yeah,
• 27:24
  Speaker 2: I do, though yes I do.
• 27:27
  Speaker 3: I did. And I feel like, especially in this immigrant community,
• 27:32
  Speaker 3: there are a lot of people here who are by themselves,
• 27:35
  Speaker 3: but they only see people who have partners driving because
• 27:38
  Speaker 3: it's easier when you have someone to be your financial
• 27:42
  Speaker 3: and emotional support. And I think it's good to spread
• 27:45
  Speaker 3: this message that you can do it on your own too.
• 27:48
  Speaker 3: I was not alone, like people are like, you're doing
• 27:51
  Speaker 3: all by yourself, and I'm like no, I had friends
• 27:55
  Speaker 3: and my friends and then the family, and my friends
• 27:59
  Speaker 3: help me so much. They were like always sporting me
• 28:02
  Speaker 3: and saying you can do all this. You are amazing.
• 28:05
  Speaker 3: They gave me a lot of support, so yeah, everyone
• 28:09
  Speaker 3: can do it, I think so.
• 28:11
  Speaker 2: No, I'm obsessed. I'm obsessed. Let's go to a really
• 28:13
  Speaker 2: quick break on the flip side. I have a few
• 28:14
  Speaker 2: more questions for you, So guys, don't go anywhere, all right,
• 28:21
  Speaker 2: money diarist, we out back and your story is incredible.
• 28:25
  Speaker 2: But I want to know do you have any investments?
• 28:27
  Speaker 2: If so, what are they? If not, do you have plans?
• 28:31
  Speaker 3: I do have investments, of course you do. I went
• 28:35
  Speaker 3: to a financial advisor. Oh you queen, Yes, because I'm
• 28:39
  Speaker 3: a planner. You are right.
• 28:40
  Speaker 2: I mean your dad instilled in you that you had
• 28:42
  Speaker 2: to have a spreadsheet, so I'm not surprised.
• 28:44
  Speaker 3: I have ten thousand dollars in shares.
• 28:49
  Speaker 2: No you don't. Yeah, oh my gosh, I love this
• 28:52
  Speaker 2: for you.
• 28:52
  Speaker 3: Uh huh. So I saved seventy thousand dollars.
• 28:56
  Speaker 2: No you didn't, So, no you didn't. Yes, so you
• 28:59
  Speaker 2: you came to Australia, you with like one thousand dollars
• 29:01
  Speaker 2: and did air task of tasks and now you are
• 29:04
  Speaker 2: earning one to eighty plus plus super You have ten
• 29:08
  Speaker 2: grand in shares and you've saved seventy grand. Yes, you're
• 29:11
  Speaker 2: a queen.
• 29:13
  Speaker 3: Sometimes I think, oh, for the amount of money I make,
• 29:15
  Speaker 3: I could be saving more. But I think I did
• 29:19
  Speaker 3: really well with my savings because I travel a lot
• 29:23
  Speaker 3: this year. I went to Europe, I went to Bali,
• 29:25
  Speaker 3: I went to Thailand.
• 29:26
  Speaker 2: Oh my gosh, you've still got seventy grand in savings.
• 29:29
  Speaker 2: Oh my gosh. All right, well, we need to take
• 29:31
  Speaker 2: all of our tips and tricks from you. I love
• 29:33
  Speaker 2: this so much. Do you have any debt? No, no debt.
• 29:37
  Speaker 2: I've never been in debt. You've always just been a hustler.
• 29:39
  Speaker 3: No. I had like a credit card to buy my
• 29:43
  Speaker 3: MacBook and it was like two thousand dollars and that
• 29:48
  Speaker 3: was it. I don't have any credit card debt, loans
• 29:52
  Speaker 3: or car repayments, and I don't have a mortgage yet
• 29:56
  Speaker 3: so yet.
• 29:57
  Speaker 2: Yeah, but that would be good debt when that happens.
• 29:59
  Speaker 3: Yes, when when it happens, it will be good. But
• 30:02
  Speaker 3: at the moment, I don't have anything, just my investment.
• 30:05
  Speaker 2: So tell me. I feel like we have so much
• 30:07
  Speaker 2: to learn from you. What is your best money habit?
• 30:09
  Speaker 3: My best money habit at the moment is the thing
• 30:13
  Speaker 3: that at the beginning of the year, I didn't have
• 30:15
  Speaker 3: a lot of savings.
• 30:15
  Speaker 2: Wait, so you've done most of these seventy thousand dollars
• 30:18
  Speaker 2: in the last twelve months. Yes, you're crazy. I love it.
• 30:21
  Speaker 3: It's because after I got my job and I was
• 30:25
  Speaker 3: just went crazy. I was like, oh my god. You
• 30:28
  Speaker 3: know when you were on a diet and then you
• 30:30
  Speaker 3: stop dieting and they were over.
• 30:32
  Speaker 2: Eating, and you're like, I can go out to a
• 30:34
  Speaker 2: restaurant now.
• 30:35
  Speaker 3: Yes. The thing that helped me a lot was getting
• 30:39
  Speaker 3: paid in a different account. So I opened this account.
• 30:43
  Speaker 3: I started getting paid p in that account that I
• 30:44
  Speaker 3: don't see, and then from the account, I get my
• 30:48
  Speaker 3: expenses that I planned, and I pay myself weekly and
• 30:52
  Speaker 3: I have to use only that money. And that helped
• 30:55
  Speaker 3: me a lot, not too just seeing money in my
• 30:59
  Speaker 3: bank account, like, oh, I can't afford another T shirt.
• 31:02
  Speaker 2: Yeah, so I am guilty if that. That's why I
• 31:05
  Speaker 2: had to like create my budget and cash flow like
• 31:07
  Speaker 2: spending plan, because if I didn't do that, I would
• 31:10
  Speaker 2: have just spent whatever was in my account. I'd be like, well,
• 31:12
  Speaker 2: it's there for me. I told you before. I'm a Kancian.
• 31:15
  Speaker 2: I deserve a little treaty treat I have to have
• 31:17
  Speaker 2: all my stuff taken off me.
• 31:18
  Speaker 3: Yes, and you're like, oh, what is it? Hundred dollars,
• 31:22
  Speaker 3: It won't matter. I had so much.
• 31:24
  Speaker 2: Yes, it matters. It matters. It matters so much.
• 31:26
  Speaker 3: It mattered so much. And another thing that I think
• 31:29
  Speaker 3: it really helped me is I had a lady who
• 31:32
  Speaker 3: does a consulting for your word group, so she would
• 31:37
  Speaker 3: see your clothes and she she's a personal shopper, and
• 31:40
  Speaker 3: she I was buying a lot of because I grew
• 31:44
  Speaker 3: so much. I was not seeing myself in my clothes,
• 31:47
  Speaker 3: and I was buying random clothes that didn't suit me,
• 31:51
  Speaker 3: were not my style, just because they were cheap or
• 31:54
  Speaker 3: and she helped me into only buy what I really need,
• 32:00
  Speaker 3: and that helped me not buying a lot.
• 32:02
  Speaker 2: I love this. So you've gone from being like a
• 32:05
  Speaker 2: broke Brazilian student with one thousand dollars to being a
• 32:08
  Speaker 2: baller who owns one eighty, who's very very well dressed.
• 32:12
  Speaker 2: I love this. Look at you go. Now you're just
• 32:14
  Speaker 2: like a fashion queen.
• 32:16
  Speaker 3: Uh huh. And now I also I make more. I'm
• 32:19
  Speaker 3: more conscious about what I buy, so sometimes I have
• 32:23
  Speaker 3: I see something on TikTok, like, oh, I have to
• 32:26
  Speaker 3: buy this foundation because it makes your ski glow. And
• 32:31
  Speaker 3: then I'm like, I have to buy this. There's only
• 32:33
  Speaker 3: sixty dollars. It won't affect me too much. And then
• 32:36
  Speaker 3: I wait, I save this in my interest wish list. Yes,
• 32:42
  Speaker 3: And I think about it for a while and I
• 32:44
  Speaker 3: don't forget about it.
• 32:45
  Speaker 2: Yeah, I know that's me. I forget about it. If
• 32:46
  Speaker 2: I don't buy it in the moment, I've already forgotten
• 32:48
  Speaker 2: about it. And sometimes I do buy it in the moment,
• 32:51
  Speaker 2: and then I forget about it and then it arrives
• 32:53
  Speaker 2: my house and I'm like, why did I buy that.
• 32:56
  Speaker 3: Free gifts?
• 32:57
  Speaker 2: Why did I do that? I should have thought about
• 32:59
  Speaker 2: this more. I meant to be the person that runs
• 33:01
  Speaker 2: ches on the money, like I should be better at money. Yes,
• 33:04
  Speaker 2: So would that lean into your worst money habit? What
• 33:07
  Speaker 2: is your worst money habit?
• 33:08
  Speaker 3: My love my worst money habit? There are two, which
• 33:11
  Speaker 3: is traveling. I do like my trouble.
• 33:13
  Speaker 2: That's not a bad money habit. No, I love that.
• 33:15
  Speaker 2: That's a good money habit. I'm not letting that be
• 33:17
  Speaker 2: a bad money habit. That's life experiences.
• 33:20
  Speaker 3: I'm not very stingy with my money. So I try
• 33:24
  Speaker 3: to help my friends and I give them money, which
• 33:27
  Speaker 3: is it's a bad thing for my finances, but it's
• 33:29
  Speaker 3: a good thing for them.
• 33:30
  Speaker 2: But it's also a good thing. You sound like such
• 33:32
  Speaker 2: a wholesome human being, Like you are so generous and kind,
• 33:37
  Speaker 2: Like is that not nice?
• 33:39
  Speaker 3: Yes, it's nice. It's bad for my money, but I'll
• 33:42
  Speaker 3: have some friends because I can't count on all my
• 33:44
  Speaker 3: parents to give me this money support. Like if I'm struggling,
• 33:48
  Speaker 3: I know if I have you with they will help me.
• 33:51
  Speaker 3: And I know that a lot of people don't have this, And.
• 33:54
  Speaker 2: I feel I'm not letting that be a bad money habit.
• 33:57
  Speaker 2: I know, absolutely not. It's too kind. Yeah, I feel
• 33:59
  Speaker 2: like it could be a bad money habit, but like,
• 34:02
  Speaker 2: let's reframe it. Does that make you feel good? Like
• 34:05
  Speaker 2: does it make you feel like you're supporting your friends
• 34:07
  Speaker 2: and like your community, and like I feel like that's
• 34:10
  Speaker 2: a good money habit, Like I feel like more people
• 34:13
  Speaker 2: should give and if it's supporting those that you already
• 34:15
  Speaker 2: know and love, like, is that not great?
• 34:17
  Speaker 3: Yeah? I think it is. It's just if I can help.
• 34:21
  Speaker 2: Just because lots of other people don't do it doesn't
• 34:23
  Speaker 2: make it a bad money habit for you to do it.
• 34:25
  Speaker 3: Yes, it's just these two were the the two things
• 34:30
  Speaker 3: that I spend most of my money in things that
• 34:32
  Speaker 3: I shouldn't suppose to. Yeah, and sometimes you know the
• 34:36
  Speaker 3: occasional shopping and you're like, uh, yeah, it's a lipstick. Oh.
• 34:41
  Speaker 2: I'm so obsessed with like lip tints at the moment
• 34:44
  Speaker 2: because of TikTok. Like I'm seeing all these girls on
• 34:46
  Speaker 2: TikTok with beautiful lip tints and I don't own one
• 34:49
  Speaker 2: lip tint yet, but I know I need to. And
• 34:52
  Speaker 2: I have this like list in my phone of all
• 34:54
  Speaker 2: these like lip tint companies and usually they are like
• 34:56
  Speaker 2: Korean brands. So now I've got to find a way
• 34:59
  Speaker 2: to buy them, but I want to try them first. Anyway,
• 35:01
  Speaker 2: it's very very complex, but I totally get it.
• 35:04
  Speaker 3: Yes, it is. It is complex.
• 35:06
  Speaker 2: I can't agree with you though, that that's a bad
• 35:07
  Speaker 2: money habit.
• 35:08
  Speaker 3: Yeah, Like that's the bad money habit. And I think
• 35:11
  Speaker 3: I do I should invest more. But because of the
• 35:15
  Speaker 3: country I came from, the economic situation is not as
• 35:19
  Speaker 3: good as in Australian. There's not as tables in here.
• 35:22
  Speaker 3: When they ask me oh we have to do see
• 35:24
  Speaker 3: your investor profile. And I'm like, I'm very conservative.
• 35:28
  Speaker 2: Conservative. Yeah, I'm not surprised. I'm not surprised.
• 35:31
  Speaker 3: They're like, you cannot be conservative. I'm like, this is
• 35:33
  Speaker 3: the only part of my life.
• 35:34
  Speaker 2: I'm conservative, But this is my money story. This is
• 35:37
  Speaker 2: how I've grown up.
• 35:39
  Speaker 3: Uh yeah, I think it's because of where I came from.
• 35:41
  Speaker 2: But those are goals for the future. Yeah, those are goals.
• 35:44
  Speaker 2: Like investing more is a goal. It's not a letdown, right,
• 35:47
  Speaker 2: Like that's something that we can do, not something that
• 35:49
  Speaker 2: we crucify ourselves for not doing already.
• 35:51
  Speaker 3: Right, I bought the book that she's on the Money Investment.
• 35:55
  Speaker 2: Oh my gosh, thank you. That is so kind. All Right,
• 35:58
  Speaker 2: so your money still is crazy. You arrived from Brazil
• 36:02
  Speaker 2: five years ago, hustled your way up to one hundred
• 36:05
  Speaker 2: and eighty thousand dollars. You've got some good money habits.
• 36:08
  Speaker 2: You have saved seventy thousand dollars despite traveling, and you
• 36:12
  Speaker 2: have ten grand in shares because you were smart enough
• 36:14
  Speaker 2: to see a financial advisor and get those ducks in
• 36:17
  Speaker 2: a row. You're planning on buying a house. Literally, hustled
• 36:20
  Speaker 2: more than anyone I have met in the recent times.
• 36:24
  Speaker 2: You think that your worst money habits is being too
• 36:26
  Speaker 2: nice to your friends. And at the start of this
• 36:28
  Speaker 2: episode you said, my money grade I think is a bee. Okay,
• 36:32
  Speaker 2: I'm not gonna argue with you, but what would it
• 36:34
  Speaker 2: take to get to an A or an A plus.
• 36:37
  Speaker 3: I think if I went back to what my dad
• 36:40
  Speaker 3: said about spreadsheets.
• 36:41
  Speaker 2: I can help you there. I can help you there.
• 36:43
  Speaker 2: I have a very good one. I'll gift you our
• 36:45
  Speaker 2: money master class, and then you can go through all
• 36:48
  Speaker 2: of that and it will sort you out and then automatically,
• 36:51
  Speaker 2: I think that makes you an A plus.
• 36:52
  Speaker 3: Yes, that'd be great. Thank you.
• 36:55
  Speaker 2: Oh my gosh. Of course I am so proud of
• 36:58
  Speaker 2: you already, and I do genuinely think if you're feeling
• 37:00
  Speaker 2: a bit, what I'm getting from this story is that
• 37:02
  Speaker 2: you're just feeling a bit like I'm doing what I
• 37:05
  Speaker 2: think I need to do, but you don't actually have
• 37:07
  Speaker 2: like a solid plan or you didn't listen to your
• 37:09
  Speaker 2: data in spreadsheet enough. But I feel like you don't
• 37:12
  Speaker 2: have enough of a like solid like No, this is
• 37:15
  Speaker 2: my cash flow, this is where this goes, this is
• 37:17
  Speaker 2: what this goal is working towards like I think we
• 37:19
  Speaker 2: need that like money system to make us, I guess,
• 37:23
  Speaker 2: feel really empowered. So it's not necessarily about going, oh, well,
• 37:27
  Speaker 2: I have money coming in and I put it in
• 37:28
  Speaker 2: my savings full stop. It's kind of like, well, actually,
• 37:31
  Speaker 2: my cash flow system takes into consideration that I have
• 37:34
  Speaker 2: these savings goals for travel, this savings goal for the
• 37:37
  Speaker 2: future house I want to buy, this savings goal for
• 37:39
  Speaker 2: maybe a car or something that you want to achieve
• 37:41
  Speaker 2: in the future, And every single time you look at it,
• 37:44
  Speaker 2: you go, no, I'm working towards my goals. I'm saving,
• 37:46
  Speaker 2: I'm investing like it just makes you It's a lot
• 37:49
  Speaker 2: more visible, right and it means that you feel like
• 37:51
  Speaker 2: you're on track, because right now, I'm sure if you
• 37:53
  Speaker 2: talk to your financial advisor, they'd be like money darist,
• 37:56
  Speaker 2: You're fine. But that's not how you feel if you
• 37:59
  Speaker 2: don't have a plan, right.
• 38:00
  Speaker 3: No, it's when you go to see a financial advisor.
• 38:04
  Speaker 3: I think it's very broad to what they present to you,
• 38:08
  Speaker 3: and it's just like seeing a mortgage broker. They're like, oh,
• 38:12
  Speaker 3: you have to choose a suburb you like, and I'm like,
• 38:15
  Speaker 3: are you kidding me? There are how many twenty thousand
• 38:19
  Speaker 3: suburbs in Australia hops you to lay it down to five?
• 38:24
  Speaker 2: Yeah, that's fair, Samuch Yeah, I think you need to
• 38:28
  Speaker 2: just create a plan. So I'm going to set you
• 38:29
  Speaker 2: up with that, which I'm really excited about. If anyone's
• 38:32
  Speaker 2: listening and actually wants to set themselves up with that,
• 38:35
  Speaker 2: use the discount code pod five zero so pod fifty
• 38:38
  Speaker 2: and it'll give you fifty bucks off. We'll make sure
• 38:40
  Speaker 2: that the link to that is in the show notes
• 38:41
  Speaker 2: as well. But Money Diarist, I'm so proud of you.
• 38:45
  Speaker 2: I just want to be your best friend. So next
• 38:47
  Speaker 2: time you're in Melbourne, we're going to go out for
• 38:49
  Speaker 2: a drink. But thank you so much for sharing this
• 38:52
  Speaker 2: story with our community. I know they're going to love it.
• 38:54
  Speaker 2: I know they're going to be as obsessed with you
• 38:56
  Speaker 2: as I am. But it's really special that you wanted
• 38:59
  Speaker 2: to share this.
• 39:00
  Speaker 3: Hi. Thank you. I love the show and I'm so
• 39:03
  Speaker 3: happy to share. And I like one of my goals
• 39:08
  Speaker 3: is to empower other women.
• 39:10
  Speaker 2: You're doing that, you're winning.
• 39:12
  Speaker 3: So I want them. If anyone wants to talk to
• 39:15
  Speaker 3: me about being your money and developing your career, there
• 39:20
  Speaker 3: I'm always up to it and I'm in the group.
• 39:22
  Speaker 2: Oh my gosh, I love that. All right, Well, if
• 39:25
  Speaker 2: anyone wants to talk to our money Direst, shoot me
• 39:27
  Speaker 2: a message and alah, hook the two of you up.
• 39:29
  Speaker 3: Oh thank you.
• 39:37
  Speaker 5: The advice shared on She's on the Money is general
• 39:39
  Speaker 5: in nature and does not consider your individual circumstances. She's
• 39:43
  Speaker 5: on the Money exists purely for educational purposes and should
• 39:47
  Speaker 5: not be relied upon to make an investment or financial decision.
• 39:50
  Speaker 5: If you do choose to buy a financial product, read
• 39:53
  Speaker 5: the PDS TMD and obtain appropriate financial.
• 39:56
  Speaker 2: Advice tailored towards your needs.
• 39:58
  Speaker 5: Victoria Divine and She's All the Money are authorized representatives
• 40:02
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• 40:04
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  Speaker 5: two eight nine