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Made Redundant Twice… And Built a Profitable Business Anyway · She's On The Money

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Speaker 1: My name's Tatasha Bamblet. I'm a proud First Nations woman
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Speaker 1: and I'm here to acknowledge country. Te Glenn Young Ganya Niana,
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Speaker 1: Kaka yah Ya bin ah Waka Nian our gay In Nimbini,
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Speaker 1: yakarum Jar, Dominyamiga Umaga, Ihowaka, Nile, Waman damon Immalan, Bumba
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Speaker 1: bang gadaboma In and now in Waka ghana on yak
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Speaker 1: rum Jar Watanadaa. Hello, beautiful friends, we gather on the
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Speaker 1: lands of the Aboriginal people. We thank acknowledge and respect
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Speaker 1: the Abiginal people's land that we're gathering on today. Take
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Speaker 1: pleasure in all the land and respect all that you see.
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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,
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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.
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Speaker 2: She's on the Money.
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Speaker 3: She's on the Money. Hello, and welcome to She's on
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Speaker 3: the Money, the podcast that lets you be pervy about
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Speaker 3: other people's money stories for educational purposes, of course. Welcome
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Speaker 3: back to an one of our money diaries, brought to
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Speaker 3: you by our friends at Skywealth, where we get to
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Speaker 3: talk with one of our incredible She's on the Money
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Speaker 3: community members all about their journey. Let's jump straight into it,
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Speaker 3: because this week I got a message and it sounded
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Speaker 3: exactly like this. Hi, she's on the money. I'm a
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Speaker 3: thirty two year old mum of two boys and a
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Speaker 3: wife to an amazing equal parent husband. My money story
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Speaker 3: starts young, growing up in a restaurant environment and essentially
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Speaker 3: working since childhood. I've gone through an intense healing journey
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Speaker 3: in adulthood and it's only been accelerated since having children
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Speaker 3: and finding your amazing resources. During my first Matt leave
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Speaker 3: twenty twenty five has been a doozy from a debilitating
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Speaker 3: neck injury that left me bedbound for a month to
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Speaker 3: saying yes to everything and seeing all of the cards unfold.
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Speaker 3: We're now about to hard launch our business, the first
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Speaker 3: ever car boot Baby Change station Money Diarist. Welcome to
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Speaker 3: the show.
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Speaker 2: Thank you for having me so it's I manifested not
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Speaker 2: to be creepy.
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Speaker 3: Also, I need that product, Like I'm a bit embarrassed,
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Speaker 3: but I have a kmart change mat in my boot
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Speaker 3: because I refuse to change my kids in the public toilets.
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Speaker 2: Like no, thank you. Yeah, I've used every system under
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Speaker 2: the sun and then spent way too much money on
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Speaker 2: it and just a effort I'll make it myself, and
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Speaker 2: you did.
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Speaker 3: And now you're about to hard launch your business, which
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Speaker 3: maybe people might find Yosh's on the Money very soon.
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Speaker 3: But I want to talk to you about your money story.
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Speaker 3: So before we dive straight in, my favorite question to ask,
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Speaker 3: and I always ask everyone this first. If I was
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Speaker 3: to ask you to give your money habits a grade
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Speaker 3: from A three to F, what grade would you give them?
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Speaker 2: I think I am going to just claim the A.
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Speaker 3: You're going to claim an A. I love it.
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Speaker 2: Yeah, just going straight for the aid.
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Speaker 3: Okay, I love it.
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Speaker 4: I love it.
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Speaker 3: Let's dive straight in. So we're in a tell me
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Speaker 3: a bit more about your money story.
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Speaker 2: I think just growing up in a restaurant environment, it
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Speaker 2: really is shaped how I do things, so efficiency and
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Speaker 2: process with drew it into me so young, as well
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Speaker 2: as how to work to survive and afford the things
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Speaker 2: that you can have. So that's always just been a
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Speaker 2: principle of mine since childhood, and I've kind of just
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Speaker 2: maintained that. And it's a classic kind of small town
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Speaker 2: girl moving into a big city and being self sufficient
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Speaker 2: that I kind of followed that trajectory. So I obviously
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Speaker 2: worked in my parents restaurant as a child. They paid me,
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Speaker 2: don't worry, abo, I also picked up another like second or.
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Speaker 3: What even if they didn't, I'd be like whatever, that's
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Speaker 3: your parents restaurant. And I feel like every friend that
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Speaker 3: I've had that's lived in like a restaurant environment, like
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Speaker 3: you have to have a good work ethic. You can
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Speaker 3: not because everything's so fast paced, especially when you're little.
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Speaker 3: Like if your parents are owned the restaurant, they would
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Speaker 3: have been like chop shop money dirests, get it together,
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Speaker 3: We've got to do this, this, this.
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Speaker 2: And this absolutely and just being in scenarios where adults
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Speaker 2: on even in like I was running a full restaurant
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Speaker 2: floor by myself. It is like a fourteen year old.
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Speaker 3: I mean fourteen years and nine months, because that would
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Speaker 3: be legal. Yes yes, yes, yes, yes, yes, you hadn't
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Speaker 3: been doing that since you were nine no no, no,
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Speaker 3: no no.
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Speaker 2: But you know I did run the occasional like duck
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Speaker 2: it to the kitchen and you know, brought out the
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Speaker 2: prawn chips for the customers, all that typical cute girl
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Speaker 2: Asian stuff, and yeah, I kind of just worked my
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Speaker 2: way through school as well. I had a part time
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Speaker 2: job at a juice bar just to anti extra cash,
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Speaker 2: all in the effort to kind of have that nest
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Speaker 2: egg to move out. And then I was fortunate enough
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Speaker 2: to be accepted into a good UNI, where again I
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Speaker 2: just kind of paid my own way. I'd received the
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Speaker 2: youth allowance from the government, which supplemented a good part
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Speaker 2: of the income as well. So again thankful for our
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Speaker 2: government resources that you know, enable more rural kids to
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Speaker 2: get that formal education. And I worked through a lot
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Speaker 2: of CD pubs before landing a job as a cocktail
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Speaker 2: server at the private gaming rooms casinos. Oh, that would
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Speaker 2: have been so interesting a lot. Yes, it was so interesting.
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Speaker 2: I think that's where I had my big, you know,
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Speaker 2: first awakening about how money moves in the world. Yeah,
5:12
Speaker 2: when you're getting paid like a minimum wage job, but
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Speaker 2: also a lot of it is supplemented by tips, So
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Speaker 2: that side of things is the true trope of you
5:21
Speaker 2: can generate a lot of money from tips working as
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Speaker 2: a contail totally.
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Speaker 3: And as you mentioned before, you grew up in a
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Speaker 3: rural kind of area. You've mentioned that you're Asian. I
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Speaker 3: feel like that culture shock could have been a lot
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Speaker 3: as well.
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Speaker 2: Exactly. So going from an environment where you have to
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Speaker 2: work to get paid to seeing people like do one
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Speaker 2: hundred thousand dollars debts on a table and just literally
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Speaker 2: throw their money and so much wealth around the room
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Speaker 2: and I'm here, like, here's your drink and then you know,
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Speaker 2: I get a dollar tip in return.
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Speaker 3: That was just bizarre thing, Spabe. Yeah, It's a lot,
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Speaker 3: isn't it. And as somebody who you know, I didn't
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Speaker 3: grow up in the same environment, but I did grow
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Speaker 3: up not with wealth, and then coming into I worked
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Speaker 3: in the financial advice space, in the high net wealth space,
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Speaker 3: and it was really confronting being like, wait, you don't
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Speaker 3: care about this, Like here, I am trying to, you know,
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Speaker 3: save another hundred dollars because I want this really important
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Speaker 3: thing to me and you kind of just flushed it
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Speaker 3: down the toilet. What do you mean? You don't have
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Speaker 3: the same value with money?
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Speaker 2: Absolutely, and also learning that wealthy people, I guess to
6:32
Speaker 2: an extent they shouldn't be looked up to in a
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Speaker 2: morality kind of absolutely not Like there was a guy
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Speaker 2: who showed me his bank account and like put his
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Speaker 2: phone in my face said can you read those numbers
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Speaker 2: on the screen and I was like, it's four hundred
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Speaker 2: thousand dollars, and he goes, that's my bank account and
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Speaker 2: wouldn't you like to have that in your bank account?
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Speaker 2: And I was like, if you drink, sir, what the hell?
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Speaker 3: Also low ca sir, If you've only got four hundred
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Speaker 3: grand in the bank, what are you doing in the
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Speaker 3: high rollers area? I'm sorry, someone over there just bat
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Speaker 3: our hundred grand sit down? Yes, yeah, very just.
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Speaker 2: I guess the coming of age of just being in
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Speaker 2: the city, kind of working my way through getting my
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Speaker 2: first office job. It was like a forty thousand dollars
7:15
Speaker 2: grad job. I thought that was a when suddenly, you know,
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Speaker 2: I had this stable income page six days paid annual leave,
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Speaker 2: which was a foreign concept to be and working my
7:25
Speaker 2: way up until I landed like a fancy corporate that.
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Speaker 3: Sounds so similar to me, and you would have thought,
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Speaker 3: this is living. This is the most amount of money
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Speaker 3: I will ever earn. I'm basically rich.
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Speaker 2: Absolutely, And all that kind of came to a head
7:39
Speaker 2: last year with my neck intry. I had a bolg
7:43
Speaker 2: disc in my neck which left me bed down for
7:45
Speaker 2: a month. My good and I am, okay, it's just
7:50
Speaker 2: an ongoing maintenance thing. It's just old age. So check
7:53
Speaker 2: your posture. This is everyone's reminders of check your posture.
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Speaker 3: Old age, she says, at the ripe old age of the.
8:00
Speaker 2: I feel older anyway. So I had a lot of
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Speaker 2: time with my thoughts in bed, and I was like,
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Speaker 2: thank God, I have this fancy corporate job that is
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Speaker 2: paying my sick leave and while I'm recovering, I can
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Speaker 2: work from my bed. And my partner has this flexible,
8:17
Speaker 2: fancy corporate job too, that's allowing him to be flexible
8:20
Speaker 2: and manage O too, small children.
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Speaker 3: A neck injury in bed with two small kids, Oh,
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Speaker 3: that's nightmare material.
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Speaker 2: He did it all. And just a general shout out
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Speaker 2: to the millennial dads out there who had actually just
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Speaker 2: being equal partners in life. And it's freeing up so
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Speaker 2: much mental availability for women now and I'm here for that.
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Speaker 2: And yeah. So we had a few big financial decisions
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Speaker 2: to make last year as well. Off the back of
8:47
Speaker 2: recovering from that neck injury. We had our eye on
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Speaker 2: an investment property that we thought was out of our league.
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Speaker 2: We were also meaning to pay the first big invoice
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Speaker 2: for our business.
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Speaker 3: And that starts to add up real quick. Like, you go, wait,
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Speaker 3: I have to pay that too. Oh wait, I have
9:03
Speaker 3: to weigh we're hosting, Oh I have to pay this that,
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Speaker 3: or we just starts coming in, doesn't it.
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Speaker 2: Yeah. So within the same week we had to say
9:11
Speaker 2: go for it. With the investment property, We're like, we
9:13
Speaker 2: have to like scrape all of our money together to
9:16
Speaker 2: pull the deposit together. We also need spare change to
9:19
Speaker 2: pay the invoice for the business or that came in
9:23
Speaker 2: a week yeah, and we felt really good about it.
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Speaker 2: And then the week after, as made redundant from.
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Speaker 3: Said, no, you're getting kicked well you're literally down.
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Speaker 2: Yeah. Funny how that happens.
9:35
Speaker 3: And I don't know if that's funny. That's not what
9:37
Speaker 3: I would call it, but like you know what, I
9:39
Speaker 3: can see that you're gonna call it funny. We'll go
9:41
Speaker 3: with that because oh trauma.
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Speaker 2: Yeah. So thankfully that also came with a nice twenty
9:49
Speaker 2: k estimated payout, so we were seeing that as a
9:54
Speaker 2: blessing in disguise because we also needed that capital and
9:58
Speaker 2: just so that we wouldn't be being done on like
10:00
Speaker 2: zero dollars and I like to have padding in my finance.
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Speaker 3: Yes, yeah, yeah, a buffer exactly. Good girl, that's what
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Speaker 3: we like to hear.
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Speaker 2: But you know, the universe blessed me again and they
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Speaker 2: found me a new job within the same company with
10:13
Speaker 2: a twenty.
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Speaker 3: K pay You got paid twenty grand to stay at
10:16
Speaker 3: the company. Yeahay, here's a pay rise. Here's twenty grand
10:19
Speaker 3: to have a nice day. Can't they just tell you
10:21
Speaker 3: that all at once? Can't they just work it out
10:23
Speaker 3: in the background so that we don't have to stress, Like, oh, yeah,
10:27
Speaker 3: I'm glad that that happened for you.
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Speaker 2: Yep, fast forward to today, like, we've now launched our
10:33
Speaker 2: business at the start of the year.
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Speaker 5: Stop ahead, congrats, also coinciding with a second redundantyluly, they
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Speaker 5: honored the original payout, but you didn't get a pay
10:43
Speaker 5: out for the second redundancy because you wouldn't have been
10:45
Speaker 5: there long enough.
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Speaker 3: Hey no, yeah, the.
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Speaker 2: Same company, but it was only like a six month.
10:50
Speaker 3: Which is rough. Oh my god, So do you have
10:53
Speaker 3: a role now or are we focusing one hundred percent
10:55
Speaker 3: on this business?
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Speaker 2: We are currently unemployed, which has given me lots of
11:00
Speaker 2: headspace to go all in with this one.
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Speaker 3: Maybe this is exactly what the universe has been sending you.
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Speaker 2: I've been hoping so but I do need to start
11:10
Speaker 2: looking for a big gold job soon, but I'm hoping, yeah,
11:13
Speaker 2: we can kind of take our time with that and
11:15
Speaker 2: go all in with this business. Well, I've kind of
11:17
Speaker 2: got the free.
11:17
Speaker 3: Time absolutely, so tell me a bit more about this business,
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Speaker 3: not necessarily like, oh, sell it to me, but like,
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Speaker 3: when you start a business, how does it go from Victoria,
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Speaker 3: I had a lot of time to think. I was
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Speaker 3: on my back, and you know, I decided to go
11:32
Speaker 3: all in. A lot of people are like, oh, Victoria,
11:34
Speaker 3: I can't come up with a good idea, or I
11:36
Speaker 3: can't even start, or I have a good idea and
11:38
Speaker 3: I don't know how to like, you know, make tracks
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Speaker 3: with it. How did you go from laying in bed
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Speaker 3: going I should make a baby change station for boots
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Speaker 3: of cars to actually doing it.
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Speaker 2: Yeah, so the idea has actually been a few years
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Speaker 2: old because my children are three and five, So there
11:55
Speaker 2: was a lot of kind of mental ideation going.
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Speaker 3: The toilet chrage nowally yeah.
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Speaker 2: But we still have the organizer inn aboot. It's one
12:04
Speaker 2: of those things, of course. So yeah, it was kind
12:06
Speaker 2: of one of those on the porch discussions with my
12:09
Speaker 2: husband being like I realistically, in ten years time, We're
12:13
Speaker 2: not going to double that income. We're going to hit
12:15
Speaker 2: the ceiling. In these fancy corporate jobs. It's going to
12:19
Speaker 2: be more competitive, more ruthless. I don't really like the
12:21
Speaker 2: job now, and I don't want my manager's job.
12:24
Speaker 3: Am I going to be doing this in ten years?
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Speaker 2: Like?
12:26
Speaker 3: Is that what life looks like?
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Speaker 2: Exactly? So that started planting the seed of what we
12:32
Speaker 2: we do to pay ourselves. Then, my background was in
12:36
Speaker 2: corporate marketing, where we do a lot of brand launchers
12:39
Speaker 2: and new product.
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Speaker 3: Development issues on the front foot.
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Speaker 2: We had that experience of identifying gaps and challenges that
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Speaker 2: everyday people are having. One of them was obviously the carboot,
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Speaker 2: baby chain station and the amount of carboo nappy changes
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Speaker 2: we did, especially with our second baby, who just always
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Speaker 2: went in the choir.
13:00
Speaker 3: Why is the car seat? It was really call it
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Speaker 3: the Pooh station, Like we put the kid in the car. Oh,
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Speaker 3: if you're consummated in worriers, I'll go put you in
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Speaker 3: the car seat, and then I just know what's going
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Speaker 3: to happen.
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Speaker 2: Yeah, I love it exactly. And with my second maternity leave,
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Speaker 2: I was so much more confident than out and about
13:15
Speaker 2: so I was in the car.
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Speaker 3: Yeah, so you were dealing with that in public.
13:19
Speaker 2: But you know, it just gave me this confidence and
13:22
Speaker 2: connection times and we wanted to turn from being because
13:25
Speaker 2: I had those systems organized with like my makeshift caddies
13:29
Speaker 2: and my anything that I could to make the process easier.
13:32
Speaker 2: So I didn't mind it. I used those a few
13:34
Speaker 2: minutes as like little opportunities for connection, like of course
13:38
Speaker 2: you shout yourself like get on with the day, yep,
13:41
Speaker 2: And that really just lightened everything up. And so I
13:44
Speaker 2: thought there's probably something in that. And I had one
13:46
Speaker 2: of those over this car seat organizes the cheap ones
13:50
Speaker 2: that were terrible.
13:51
Speaker 3: I went through so many, yeah, because they just rip
13:53
Speaker 3: like they're really bad.
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Speaker 2: Yeah, And so I just said, ef, I know how
13:58
Speaker 2: this process works, Like I know, so that I can
14:01
Speaker 2: commission a third party to kind of speck up the
14:04
Speaker 2: design and do the manufacturing side of things. We're in
14:07
Speaker 2: well paying jobs. So all this was kind of a
14:10
Speaker 2: few years ago, and that's just how long that process
14:15
Speaker 2: dakes and inventing something new, and it all came to
14:18
Speaker 2: a head last year so exciting where we had to say, yes,
14:21
Speaker 2: we need to financially commit to this infantry.
14:24
Speaker 3: Yeah, like you can only kick the can so far
14:26
Speaker 3: down the road before you have to put your money
14:28
Speaker 3: where your mouth is to see if it's actually going
14:30
Speaker 3: to work exactly.
14:32
Speaker 2: And so we did that and then everything started unraveling
14:35
Speaker 2: after that. But it's just been like a really fun trajectory.
14:38
Speaker 2: It's I think a lot of people are so attached
14:41
Speaker 2: to their work and their identity is tied to work,
14:44
Speaker 2: whereas I learned to kind of separate that my priority
14:48
Speaker 2: is elsewhere and trying to set up my family for
14:51
Speaker 2: financial success and do something meaningful with our time, and
14:55
Speaker 2: it's still better values than our children, other than you
14:59
Speaker 2: really need to work hard to surpiy because I think
15:02
Speaker 2: you need to work hard to an extent, but you
15:03
Speaker 2: also just need to work smart.
15:05
Speaker 3: Yeah, And I think that that's a really big piece
15:08
Speaker 3: that a lot of us just don't understand or it's
15:12
Speaker 3: really disappointing, right, Like I meet so many people in
15:15
Speaker 3: their you know, fifties and sixties who are only just
15:17
Speaker 3: discovering she's on the money, and they're like, I wish
15:19
Speaker 3: I knew this earlier. I do too, But you kind
15:23
Speaker 3: of go, it's not about working hard, because these people
15:26
Speaker 3: that are coming they're like Victoria, I've worked so hard
15:29
Speaker 3: my entire life, they're doing all this overtime like they
15:32
Speaker 3: are some of the most intelligent women I've ever met.
15:35
Speaker 3: But backtracking, it's not about being the smartest or the
15:39
Speaker 3: hardest worker. It's about zooming out a bit, looking at
15:42
Speaker 3: strategy like you've said, I'm listening in or going, oh,
15:45
Speaker 3: this woman's really switched on because you said, you know,
15:48
Speaker 3: it was just a porch conversation with my husband who's
15:51
Speaker 3: sitting on their porch with their husband, going what just
15:53
Speaker 3: ten years from now, look like, Oh, our income is
15:56
Speaker 3: not going to double in this corporate job. What could
15:58
Speaker 3: we do to support ourselves? These are the conversations I
16:01
Speaker 3: want people to be having. These are the conversations that
16:03
Speaker 3: are going to put you in the best possible position,
16:06
Speaker 3: because yes, you could get your very fancy corporate job,
16:10
Speaker 3: but where's the ceiling on that? What does that look like?
16:13
Speaker 3: Is that going to support the lifestyle that you want?
16:16
Speaker 3: And I think that that's where we need to start
16:18
Speaker 3: talking to ourselves a little bit bluntly, like, hey, money, direst,
16:21
Speaker 3: is this what you want for the rest of your life?
16:22
Speaker 3: Is this going to create the lifestyle that you want
16:24
Speaker 3: for your children and you've ultimately gone, no, it's not
16:28
Speaker 3: what am I going to do about that? And look
16:30
Speaker 3: at you moving mountains to make it happen.
16:32
Speaker 2: Oh, we're trying, trying. But yeah, there were just so
16:35
Speaker 2: many I look back at the powerful women in corporate
16:38
Speaker 2: who I admired it and like they just seemed so
16:41
Speaker 2: well put together and they had so many houses, and
16:44
Speaker 2: I was like, I'm going to get that. But then
16:46
Speaker 2: once you then you're like, oh, in this cost of living,
16:49
Speaker 2: I'm like I can barely afford rent and daycare fees,
16:52
Speaker 2: let alone have an extra investment. Yeah.
16:54
Speaker 3: It's crazy, isn't it.
16:56
Speaker 2: Yeah, So it's just taking into consideration that as well,
17:00
Speaker 2: just where things are moving.
17:01
Speaker 3: Yeah, absolutely, So tell me what do you do for
17:04
Speaker 3: work before you just got made redundant again? And what
17:07
Speaker 3: were you earning?
17:08
Speaker 2: So? I was a brand marketing manager. The salary is
17:11
Speaker 2: one hundred and twenty days with a fifteen percent vernus bonus. Yeah,
17:16
Speaker 2: short time incentive bonus.
17:19
Speaker 3: Very cool? And what did like? Incentive bonuses kind of
17:22
Speaker 3: come out in the wash as each year.
17:24
Speaker 2: It went down every year at that company.
17:27
Speaker 3: Maybe that's why we ended up being made redundant. Who
17:29
Speaker 3: knows not because you didn't do it, but I feel
17:31
Speaker 3: like that industry is struggling at the moment.
17:33
Speaker 2: Yeah, it is. That's a big like I can look
17:35
Speaker 2: at things objectively when you're in those positions you see me,
17:39
Speaker 2: so you can't deny the fact that some things are
17:41
Speaker 2: going to move and you, as middle management are probably
17:44
Speaker 2: first on the topl block. Okay, I can't take that personally.
17:47
Speaker 3: Oh no, it's never personal, but it does feel personal
17:50
Speaker 3: when you get made redundant, irrespective of how logical you are,
17:54
Speaker 3: like you always go, oh, I wish like it wasn't
17:57
Speaker 3: so personal. But at the end of the day, I
17:59
Speaker 3: think it's really healthy to like your job enough to
18:02
Speaker 3: be like I wish they kept me.
18:04
Speaker 2: Yeah, of course. I cried for a day and then
18:07
Speaker 2: started looking for new job, so I started making other plans.
18:10
Speaker 3: Good girl, give yourself a little bit of time. Be
18:13
Speaker 3: like I'm crying today. Tomorrow we pull our slocks up.
18:16
Speaker 2: Yeah. I think the biggest bonus I received was four
18:19
Speaker 2: years ago, and that was ten nice. Last year it
18:23
Speaker 2: was three thousand dollars, so it's still better than nothing, obviously,
18:27
Speaker 2: But I was never one to kind of budget the
18:30
Speaker 2: bonus in my lifestyle Anyway, the bonus was just exactly
18:35
Speaker 2: what it is, totally extra.
18:37
Speaker 3: And now that you've got these business, what kind of
18:39
Speaker 3: profit are you guys generating?
18:41
Speaker 2: So we have no profit because we invested about fifty
18:46
Speaker 2: sixty k into the upfront costs and inventory. We do
18:50
Speaker 2: have a small operational costs. We've only been operating about
18:54
Speaker 2: three months. Our average revenue is about twelve thousand a mile. Okay, queen,
19:00
Speaker 2: and an operating profit of about two thousand a month.
19:05
Speaker 2: I believe.
19:05
Speaker 3: Sorry, and your business is only three months old and
19:08
Speaker 3: you already have an operating profit. Yes, ah, that's so exciting.
19:12
Speaker 3: I know that you're looking at this being like that
19:14
Speaker 3: that's not going to pay a mortgage is at but
19:17
Speaker 3: from little things, big things grow and that's really great traction.
19:21
Speaker 2: Yeah, we've been surprised. We'll like at least at a
19:24
Speaker 2: stretch goal of like if we sell fifty in the
19:28
Speaker 2: first six month, that's a win.
19:30
Speaker 3: Yeah, totally that.
19:31
Speaker 2: I would also be working full time as well, and
19:33
Speaker 2: that would just be you know, like the side hustle
19:35
Speaker 2: for this year. So I've been really grateful and please
19:39
Speaker 2: to be able to spend my full time energy on
19:42
Speaker 2: this and seeing that it works. Seeing that my skill
19:46
Speaker 2: set can make something work has been Yeah this.
19:51
Speaker 3: Moment, absolutely it can. And look at you go like,
19:54
Speaker 3: I don't think people understand how challenging that is to
19:59
Speaker 3: kick off a business and have a profit to begin with. Like, Queen,
20:02
Speaker 3: what are you doing? That's crazy?
20:03
Speaker 2: I love it.
20:04
Speaker 3: So talk to me. What are your big money goals
20:07
Speaker 3: as a couple, Like what are we currently working towards?
20:10
Speaker 2: So we have a second home. I don't think it's
20:14
Speaker 2: an investment of property because in the long term we
20:17
Speaker 2: plan to be there, but it is one hundred acres
20:19
Speaker 2: of rainforest in the mid North Coast and we want
20:24
Speaker 2: to build that up to be a homestead eventually and
20:26
Speaker 2: basically retire there, build it up, restore it. At the
20:31
Speaker 2: moment at our school holiday called the bush how so
20:34
Speaker 2: like we go there. Yeah, the plan is to be
20:36
Speaker 2: there like every school holidays and just fix it up
20:39
Speaker 2: every now and again and yeah, eventually kind of just
20:43
Speaker 2: be there. And I want to harvest the wood and
20:46
Speaker 2: make baby cots and give them away for free, Like.
20:49
Speaker 3: You stop that that is so wholesome.
20:53
Speaker 2: Yeah, we want to be, you know, being that homestead lifestyle,
20:56
Speaker 2: but not in like a treadwife way.
20:58
Speaker 3: Okay, so we're no Baleri, no a few to the
21:01
Speaker 3: stem kind of way. So tell me a bit more
21:03
Speaker 3: about how you came to have that property because that
21:06
Speaker 3: is very cool.
21:07
Speaker 2: Yes, So that came about again the affordability crisis. We
21:12
Speaker 2: live in Sydney. The two bedroom apartment below us sold
21:16
Speaker 2: for one point two million, and like, no, and whatever
21:22
Speaker 2: deposit we had, we couldn't even afford anything. So that's
21:26
Speaker 2: where we kind of, you know, said goodbye to having
21:29
Speaker 2: that nice terrace in Surrey Hills that I kind of
21:32
Speaker 2: drepped up that I would have because we had these
21:34
Speaker 2: corporate jobs, we could take anything.
21:36
Speaker 3: Yeah.
21:36
Speaker 2: Absolutely, we just said why do we want to live here? Like,
21:40
Speaker 2: why do we want to own multimillion dollar property here
21:43
Speaker 2: when we can't afford it? And that kind of just
21:47
Speaker 2: kicked up for this big, you know, ten years down
21:49
Speaker 2: the track where we want to be so and how
21:51
Speaker 2: do we want our children to grow up as well?
21:53
Speaker 2: So that's where the bush house idea kind of came from.
21:56
Speaker 2: We started looking for acreage and maybe some farm land
22:00
Speaker 2: and we just found this perfect, perfect one which had
22:04
Speaker 2: a cabin on a running creek through it.
22:06
Speaker 3: Stop it, that's drone.
22:09
Speaker 2: Yeah, it went off the market for a bit, and
22:11
Speaker 2: then it came back. We realized that we could potentially
22:15
Speaker 2: buy it inspected it, got pre approval, got it, and
22:19
Speaker 2: like that was one of the big decisions that we
22:21
Speaker 2: had to make a weakness. Oh stop it.
22:24
Speaker 3: That would have been so stressful. Yeah, all right, Well
22:27
Speaker 3: let's go to a really quick break and on the
22:29
Speaker 3: flip side, I want to ask you a little bit
22:31
Speaker 3: more about how much you paid for that property, about investments,
22:34
Speaker 3: about debt, and then we're going to talk about insurance
22:36
Speaker 3: as well. So guys don't go anywhere, all right, money
22:42
Speaker 3: direst So we are back and we were talking before
22:45
Speaker 3: about this dreamy sounding property that you guys own, but
22:48
Speaker 3: you were like, I don't know if it's in investment
22:50
Speaker 3: or not. So tell me a bit more about the
22:53
Speaker 3: property when you purchased it. How much did you purchase
22:57
Speaker 3: it for?
22:57
Speaker 2: It was four hundred thousand times what it's.
23:01
Speaker 3: Got a creak running through it and it's got a
23:03
Speaker 3: cap for only four hundred grand yep.
23:06
Speaker 2: And that's why it stood out to us so much
23:08
Speaker 2: amongst all the listing crazy within that criteria that we're about,
23:13
Speaker 2: you know, seven hundred to a million in that area
23:16
Speaker 2: and for that science, this was a gem and we
23:21
Speaker 2: were really sad to see it go off the market,
23:24
Speaker 2: but it formed our criteria for what other properties we
23:27
Speaker 2: should be looking for none can close. And then it
23:30
Speaker 2: came back on the market and we got it.
23:32
Speaker 3: Yeah, and do you know what, that would have been
23:34
Speaker 3: the most validating thing ever, because like, when it went
23:36
Speaker 3: off the market, you were probably like, do you know what?
23:39
Speaker 3: We should have bought that, And then when it came
23:41
Speaker 3: back you were like, well, now we're pretty clear that
23:43
Speaker 3: we did really want that exactly. Oh, Like I know
23:47
Speaker 3: that that would have been frustrating, but also I'm really
23:49
Speaker 3: glad that happened because then you've got even more clarity
23:51
Speaker 3: about being so sure about what you want.
23:54
Speaker 2: Exactly, and like in that brief moment of time being like, oh,
23:57
Speaker 2: maybe we if we just save a bit harder than
23:59
Speaker 2: like we.
23:59
Speaker 3: Could get something more expensive, get an apartment, and then
24:02
Speaker 3: work our way up. And so was that bought in
24:04
Speaker 3: twenty twenty five? Is that right correct?
24:07
Speaker 2: So we've had that for nearly a year hour approaching.
24:10
Speaker 3: That's really exciting and are you investing in any other ways?
24:14
Speaker 2: No? To pay for that, we cashed in a lot
24:17
Speaker 2: of our shared, so we didn't realize what we were
24:20
Speaker 2: sitting on. You know, I found Cheersy's thanks to you.
24:24
Speaker 2: I invested in a couple of btfs and a really
24:27
Speaker 2: obscure one WWE Wrestling.
24:29
Speaker 3: Oh okay, totally obscure. But what made you want to
24:34
Speaker 3: invest in that? What was your theory behind that? Because
24:37
Speaker 3: we are a big wrestling fans, I did not see
24:39
Speaker 3: that coming.
24:40
Speaker 2: If you get into the rabbit hole of how that
24:42
Speaker 2: business works, it is really fascinating because it's firstly, it's
24:47
Speaker 2: an industry where gender equality is actually true to form,
24:50
Speaker 2: like the Women's League probably rivals the men's the way
24:54
Speaker 2: that it's run and how the current chairman was a wrestler. Yeah,
25:00
Speaker 2: so a lot of their executive team come from wrestling,
25:03
Speaker 2: work their way up through the business. So then making
25:05
Speaker 2: the right decision.
25:06
Speaker 3: Yeah, they got their hands on the tools.
25:07
Speaker 2: They got acquired by TKO, which is like the UFC one. Yeah.
25:12
Speaker 2: So we invested about ten k into it and we
25:15
Speaker 2: got twenty five back.
25:17
Speaker 3: The k money coin.
25:19
Speaker 2: So that was a really weird work out in our favor.
25:22
Speaker 2: We cashed it out in good timing because they were
25:25
Speaker 2: the corporate sponsors of the Trump inauguration. Oh and I
25:28
Speaker 2: just didn't sit well with us. So we kind of
25:31
Speaker 2: just was like, let's quit. We wear ahead. This is
25:33
Speaker 2: contributing to the deposit.
25:35
Speaker 3: Future wealth of our family.
25:37
Speaker 2: Yeah yeah, and so now we just have the shares
25:40
Speaker 2: that my husband has from his company.
25:42
Speaker 3: I like your thought processes though around like, no, we're
25:45
Speaker 3: really big fans. And you clearly looked into it. You're like,
25:47
Speaker 3: look who's on the board. Luk, who's running it. I
25:49
Speaker 3: was like, Okay, I love talking about these.
25:52
Speaker 2: It's a good rabbit hole if you want to get
25:54
Speaker 2: into it. Oh.
25:55
Speaker 3: I don't know if you know me well enough, but
25:56
Speaker 3: I love a rabbit hole. So tell me about your
25:59
Speaker 3: other investments, because you said, oh, we don't really, but
26:02
Speaker 3: you would have superannuation and you've got a whole business.
26:05
Speaker 3: Tell me about your super super.
26:07
Speaker 2: I did check the other day. We're at one hundred
26:09
Speaker 2: and ten thousand.
26:10
Speaker 3: Individually at thirty two.
26:13
Speaker 2: Yeah, and I think my husband has about one hundred
26:15
Speaker 2: and fifty with his super.
26:18
Speaker 3: You are doing well. You were far above the average.
26:22
Speaker 3: Have you been contributing more over time?
26:24
Speaker 2: I guess it's just from working since day one, since
26:28
Speaker 2: you were a child.
26:29
Speaker 4: Yeah.
26:29
Speaker 2: Yeah, And then just our stable, you know, corporate jobs
26:33
Speaker 2: that have been contributing. I think it was a higher
26:37
Speaker 2: an average contribution by like one percent of something. But yeah,
26:42
Speaker 2: and we also have your insurances coming out of that
26:45
Speaker 2: just automatically.
26:46
Speaker 3: That's really cool. Well, just for a little bit of
26:48
Speaker 3: context for you, the average thirty year old has about
26:51
Speaker 3: seventy thousand. Oh wow, So you're doing well and if
26:56
Speaker 3: you pay attention to it, it will continue to do well,
26:58
Speaker 3: which we love to see. And then your business investment,
27:02
Speaker 3: obviously that's going to be a big one. And I
27:05
Speaker 3: see a lot of small business owners and they often
27:07
Speaker 3: feel really guilty. They're like, oh my gosh, Victoria, I'm
27:09
Speaker 3: not investing in shares, like you're always talking about shares's
27:12
Speaker 3: and like what you do your biggest investment in life?
27:15
Speaker 3: And I would say my best investment in life was
27:18
Speaker 3: my business. So I can see why people would feel
27:22
Speaker 3: bad because they're absorbing all this content where I'm saying,
27:24
Speaker 3: oh my gosh, investing in the share market is a
27:26
Speaker 3: really great idea, like maybe you should consider it. And
27:29
Speaker 3: on the flip side, for a very long time, I've
27:31
Speaker 3: poured most of my money into my business, like reinvesting
27:36
Speaker 3: in my business. Reinvesting in the people in my business
27:38
Speaker 3: has had the best return for me. So tell me
27:42
Speaker 3: a bit more about your business and where you want
27:44
Speaker 3: to see it, Like have you got big goals and
27:45
Speaker 3: aspirations for it? Obviously it is a very cool concept,
27:49
Speaker 3: but like, is it a oh yeah, we just want
27:51
Speaker 3: to have our own website and sell it through that forever.
27:54
Speaker 3: Or I want to be seen in Target and I
27:56
Speaker 3: want to be in Myer and I want to be
27:57
Speaker 3: in David Jones, or what's the strategy.
28:00
Speaker 2: The strategy is to hopefully expand it into just a
28:03
Speaker 2: bigger kind of parenting organizational I guess resource and support system.
28:09
Speaker 2: We want to be a village for parents who want
28:13
Speaker 2: to get their crap together but just don't know how,
28:15
Speaker 2: because it's so overwhelming in those first few months where
28:19
Speaker 2: you believe anything that gets told to you by anyone
28:22
Speaker 2: that some kind of authority. You don't know what to buy,
28:26
Speaker 2: You're testing a lot of things. But our brand is
28:30
Speaker 2: really more about simplifying all that so that everything just
28:35
Speaker 2: comes more naturally and easily to new mothers and just
28:39
Speaker 2: remove the chaos in decision making. I think decision fatigue
28:44
Speaker 2: is so overlooked and when you suddenly don't have that
28:47
Speaker 2: decision fatigue, you actually don't know how well you're doing
28:50
Speaker 2: because you've prevented the chaos before it even started. So
28:53
Speaker 2: I'm a big believer in strategy upfront to save future sanity.
29:00
Speaker 3: That's a lot, right, Like I didn't realize how all
29:04
Speaker 3: consuming it was when I had my first baby, and
29:06
Speaker 3: now I've had my second baby. It's like you're an
29:09
Speaker 3: autopilot in a way, and I'm like, oh, those are
29:11
Speaker 3: the wipes that I need, Like this is the you know,
29:13
Speaker 3: the stuff that I like. This is the formula that
29:15
Speaker 3: I enjoy. Whereas I remember with Harvey, every single decision
29:19
Speaker 3: I was googling. I was like, right, well, what are
29:21
Speaker 3: the best baby wipes that can And you go down
29:23
Speaker 3: a rabbit hole of being like, oh my gosh, did
29:25
Speaker 3: you know that has xyz in it? And this isn't
29:28
Speaker 3: just pure water and oh my gosh, the density of
29:31
Speaker 3: the wipe like that is exhausting. Yeah, that is just like,
29:36
Speaker 3: can another mum just tell me which one is the
29:38
Speaker 3: right one to get, please? And it not be a
29:40
Speaker 3: sponsored ad of an influencer telling me, oh, these are
29:44
Speaker 3: the wipes that I use on my child and then
29:45
Speaker 3: next week they're using a different one, like just tell
29:47
Speaker 3: me what your favorites are, mum, exactly.
29:50
Speaker 2: And the purpose of the brand is to not tell
29:52
Speaker 2: you exactly what to buy, but it's to give you
29:54
Speaker 2: a framework because you have your own preferences. Your family
29:58
Speaker 2: life is so different. You might have a baby and
30:01
Speaker 2: a todd bar for three kids. There's only a finite
30:04
Speaker 2: amount of kids you can have, so there's only so
30:06
Speaker 2: many times you can test and repeat what you know
30:09
Speaker 2: and what you don't know. So I guess with the brand,
30:12
Speaker 2: it's giving you new mums or parents a framework so
30:15
Speaker 2: that they can kind of fill it in and hopefully
30:18
Speaker 2: that would just be a lot more easy to do
30:21
Speaker 2: those car boot nappy changes or anything mess wise. That
30:24
Speaker 2: could then expand bgo into like life organization and big
30:29
Speaker 2: parenting organization strategies that can just help you do life easier.
30:34
Speaker 3: And tell me about debts that you hold. I know
30:36
Speaker 3: that you've purchased a house last year, so that was
30:38
Speaker 3: four hundred thousand dollars. What kind of debt are you
30:41
Speaker 3: carrying on that property currently?
30:43
Speaker 2: Only three hundred thousand than that one? Okay, so we
30:47
Speaker 2: put down twenty percent and then we pay a higher
30:51
Speaker 2: repayment fee than what we have to just so we
30:53
Speaker 2: can yeah, get ahead. So yeah, about three hundred thousand
30:56
Speaker 2: owing on that one.
30:57
Speaker 3: How good? And what other debts do you have if the.
31:00
Speaker 2: Twenty thousand and hextet? So hopefully that should be scrubbed
31:04
Speaker 2: within a few years to keep working full time, or
31:06
Speaker 2: hopefully I can generate enough income to just wipe it. Yep,
31:09
Speaker 2: but that's not really your priority to wipe away at
31:12
Speaker 2: the moment.
31:12
Speaker 3: Totally understandable.
31:14
Speaker 2: I've got a credit card with an eight thousand dollars
31:16
Speaker 2: limit that we use for all the expenses and pay
31:19
Speaker 2: off every month, and that's about it. Husband has no
31:22
Speaker 2: hexte good job.
31:23
Speaker 3: So tell me a bit more about the credit card.
31:26
Speaker 3: Does that run you into any problems? Do you find
31:28
Speaker 3: that you tap a little bit happier because of it?
31:31
Speaker 3: Or like, what does that look like?
31:34
Speaker 2: No, we've been one of those points. Hold is credit
31:36
Speaker 2: card people love. We look after the credit card a lot.
31:40
Speaker 2: It's purely a point to get and we scrub it
31:44
Speaker 2: off every month.
31:45
Speaker 3: Oh I love that. And is that how you've always
31:47
Speaker 3: functioned with credit cards? I get the vibe that you're
31:49
Speaker 3: pretty financially responsible.
31:51
Speaker 2: Yeah, I've had a credit card since I was eighteen,
31:54
Speaker 2: just to purely manage my own personal cash flow, because
31:57
Speaker 2: sometimes you need a bit of extra help when you're
31:59
Speaker 2: like a poor any students, So that was always there
32:01
Speaker 2: as an emergency for me, yeah, and making sure that, yeah,
32:05
Speaker 2: that was paid off pretty promptly, or just having really
32:07
Speaker 2: small limits, like I think that credit card was like
32:09
Speaker 2: three thousand dollars.
32:10
Speaker 3: Yeah, that sounds logical, but I did the same thing.
32:14
Speaker 3: Got my first credit card at eighteen, and my emergency
32:17
Speaker 3: was clothed shoes, and I was really good at it,
32:20
Speaker 3: like of all people like I could max out a
32:23
Speaker 3: credit card pretty quickly. I'm not proud of that, but
32:27
Speaker 3: that's why I ask. I'm like, oh, what did that
32:28
Speaker 3: journey look like? You've just been a responsible girl the
32:31
Speaker 3: whole time. Now talk to me. You obviously have two
32:34
Speaker 3: young kids. Do you have personal insurances? Have you set
32:37
Speaker 3: them up? What does that look like in your life?
32:39
Speaker 2: So we do have personal insurance. I have TPD and
32:43
Speaker 2: that gets withdrawn from Super automatically. I have life insurance
32:48
Speaker 2: that also is an automatic withdrawal from Super. And I
32:52
Speaker 2: did have income protection as well. I don't know if
32:55
Speaker 2: I need to update that or not.
32:57
Speaker 3: I love to see it, and is that something that
32:58
Speaker 3: you've actively gone and sought out or is that something
33:01
Speaker 3: that was default in your super or like what did
33:03
Speaker 3: that journey look like?
33:04
Speaker 2: You know that was a podcast review a few years
33:07
Speaker 2: ago as a prompt reminder, and I looked into it
33:09
Speaker 2: and I was like, oh, we should probably get this,
33:10
Speaker 2: and then we did it with a few clicks. So
33:13
Speaker 2: now that's just an automatic thing in our super stop it.
33:17
Speaker 3: I love that now to talk to me, I feel
33:20
Speaker 3: like you've probably got some pretty good money habits. What
33:22
Speaker 3: do you think is your best money habit?
33:25
Speaker 2: Probably I only shop when it's an extra thirty percent
33:30
Speaker 2: off sale items, and I batch shop so that they're
33:34
Speaker 2: all like essential items essentially, or items that will last
33:39
Speaker 2: me years to come. So I figured if they're selling
33:42
Speaker 2: them for that price, then that's what they were Yeah,
33:44
Speaker 2: like just take it extra thirty percent off, Like why
33:47
Speaker 2: is it retailing at three hundred and you I can
33:49
Speaker 2: get it for way less.
33:51
Speaker 3: You know, that's crazy, That is crazy. I'm always so
33:53
Speaker 3: suspicious of brands that do that, and I've been a
33:55
Speaker 3: little bit I don't know if the word is cheeky,
33:58
Speaker 3: but you know, when you kind of just that a
34:00
Speaker 3: brand goes on sale. I'm like, well, I'm never going
34:03
Speaker 3: to purchase you for full price. I'm sorry you've done
34:05
Speaker 3: that to yourself. Like I've never paid full price for bonds,
34:08
Speaker 3: and I'm sorry, I just I couldn't. I just know
34:11
Speaker 3: that you go forty percent off way too often.
34:14
Speaker 2: Yeah, and then sometimes it's taken extra that you've set
34:17
Speaker 2: off off the exactly.
34:19
Speaker 3: And I don't know about you, but being a young
34:21
Speaker 3: mum of two, I go through so many bonds, onesies,
34:25
Speaker 3: so many bonds singlets, like they just endless, and I
34:29
Speaker 3: swear that they disappear in this house. They're like socks exactly,
34:32
Speaker 3: or like they just disappear, yeah.
34:34
Speaker 2: Or the amount of like puke or pooh or just
34:39
Speaker 2: any mess that gets on them, like and you if
34:42
Speaker 2: it doesn't come off in one, wash me out and
34:44
Speaker 2: very bad like that, that's probably a bad money. I
34:48
Speaker 2: can't be bothered wadering this five times.
34:50
Speaker 3: So mine's the flip. Like I will launder everything. I'm
34:53
Speaker 3: a psycho at it. But and I've said this to daycare.
34:57
Speaker 3: If it is poop and it happened at daycare, you
35:00
Speaker 3: just put it in the bin. Just put the singleer
35:03
Speaker 3: in the bin. I do not put it in a
35:04
Speaker 3: plastic bag for me to open our home and have
35:07
Speaker 3: to deal with. Like, there is nothing worse nothing.
35:10
Speaker 2: Yeah, the whole bag in the bin.
35:12
Speaker 3: Bye bye, Sorry, don't send that home. It's a nice present,
35:16
Speaker 3: thank you. Oh And on the flip side, what's your
35:18
Speaker 3: worst money habit? Is it throwing away onesies little treats?
35:22
Speaker 2: So I am a sucker for like a lot of
35:26
Speaker 2: like ten to fifteen dollar purchases from cafes, from little bakeries.
35:32
Speaker 2: My reasoning being I like to support small businesses.
35:36
Speaker 3: I need a treat, so you deserve a treat too.
35:38
Speaker 2: Yeah, Like I rationalize, like if it's a small amount,
35:43
Speaker 2: I can get away with it. No. I like that.
35:45
Speaker 3: But that's like not a bad money habit. That's a
35:48
Speaker 3: youth supporting small business. That's very wholesome.
35:51
Speaker 2: Exactly.
35:52
Speaker 3: We're actually really good people, you know. Yeah, community are
35:56
Speaker 3: range Exactly, you are doing charity work basically. So, now
36:01
Speaker 3: that we've had a really good chat and I've loved
36:03
Speaker 3: this chat, what do you think it would take for
36:06
Speaker 3: you to go from the A that you said you were,
36:08
Speaker 3: which I agree, like you sound like an A. But
36:10
Speaker 3: what would make you an A plus.
36:12
Speaker 2: I don't know what an A plus looks like, Like
36:15
Speaker 2: are you an A plus? No?
36:16
Speaker 3: No, absolutely not.
36:18
Speaker 2: If I had something to visualize what a plus was.
36:20
Speaker 3: Am I an a plus?
36:21
Speaker 2: No?
36:21
Speaker 3: Like I'm gonna do as I say, not as I do,
36:23
Speaker 3: kind of girly, like am I always good with money?
36:25
Speaker 2: No?
36:26
Speaker 3: Do I pretend to always be good with money?
36:27
Speaker 1: No?
36:28
Speaker 3: But I am fantastic at systems and putting them in
36:30
Speaker 3: place to make sure that I can reach the goals
36:33
Speaker 3: that I want to. But I'm sorry. I'm a sweet
36:35
Speaker 3: treats girlie, like I often purchase things that I shouldn't
36:40
Speaker 3: and I often blow the budget, like gift giving is
36:42
Speaker 3: my love language. I think an a plus is where
36:45
Speaker 3: you're really happy with your own situation. I don't think
36:48
Speaker 3: an A plus is a person or an example, because
36:51
Speaker 3: you know, I know that I'm not an A plus
36:54
Speaker 3: in my heart of hearts, because I could do better,
36:57
Speaker 3: Like I could do better, I could have my finger
36:59
Speaker 3: on the pot, like there are a few things financially
37:01
Speaker 3: at the moment that I'm going you know what, I
37:04
Speaker 3: haven't checked my phone plan in a while, like, and
37:07
Speaker 3: I really should. Like I think an A plus is
37:09
Speaker 3: someone that's like, nah, I'm on top of this. Whether
37:11
Speaker 3: they're earning thirty grand or three hundred grand, it doesn't
37:14
Speaker 3: actually matter. It's just like, no, I feel really confident
37:17
Speaker 3: I'm on top of this. Like my money habits are like,
37:20
Speaker 3: you know, top notch. I'm doing absolutely everything in my
37:23
Speaker 3: power to be the best that I can be, whereas I'm.
37:26
Speaker 2: Not right now. I love the honesty though. Well, in
37:30
Speaker 2: that case, I guess my version of A plus would
37:33
Speaker 2: be sitting on my balcony at my bush house owning it.
37:37
Speaker 3: Yeah, exactly, owning it out right, all right, I own this.
37:40
Speaker 2: Land, like I think that would be how I would
37:43
Speaker 2: give myself an A plus.
37:45
Speaker 3: All right, Well, we're working towards it, and I don't
37:47
Speaker 3: think that that's out of reach, like that's going to
37:49
Speaker 3: happen at some point. Thank you so much for sharing
37:52
Speaker 3: so much with me. Oh, I'm so excited. I just
37:54
Speaker 3: I hope that we get to cross paths in person
37:56
Speaker 3: at some point, because I just I reckon that would
37:58
Speaker 3: be good friends. Well, thank you so much for your
38:02
Speaker 3: time and sharing your journey with this She's on the
38:04
Speaker 3: money community. I just know they're gonna love getting to
38:06
Speaker 3: know you as much as I have. It's been a privilege.
38:08
Speaker 2: Thank you, thank you for having me. It is a
38:11
Speaker 2: manifestation come true. So submit those emails, girls.
38:15
Speaker 3: Yeah, literally just do it and like come hang out.
38:23
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38:26
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38:30
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38:33
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38:42
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