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MONEY DIARIES: A Cheating Husband and only $1700 · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:23
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 0:26
  Speaker 2: for millennials who want financial freedom. My name is Tony Lodge.
• 0:30
  Speaker 2: And joining us for another shot back money Diary, where
• 0:32
  Speaker 2: we chat to people in our community and they share
• 0:35
  Speaker 2: their stories with us, is Miss Victoria Divine.
• 0:37
  Speaker 3: Hello, how are you?
• 0:39
  Speaker 2: I'm good? Thank you. You're gonna like this one. I
• 0:41
  Speaker 2: say it every single week.
• 0:42
  Speaker 3: But you, I know we need to be more creative
• 0:44
  Speaker 3: with our intros. But literally, you trawl through money diaries
• 0:48
  Speaker 3: each and every single week to find the ones that
• 0:51
  Speaker 3: we're going to share on the show, and we get
• 0:53
  Speaker 3: so many great submissions. So I always put a lot
• 0:55
  Speaker 3: of pressure on you to perform and like pull out
• 0:57
  Speaker 3: the best of the best.
• 0:58
  Speaker 2: So I'm sweating bullets at the moment, hoping that you're
• 1:00
  Speaker 2: gonna love you.
• 1:02
  Speaker 3: So how about you read out the email and we
• 1:04
  Speaker 3: kick this off. Here we go.
• 1:06
  Speaker 2: Hi, She's on the Money team. Hey, I was listening
• 1:08
  Speaker 2: to your podcast and I remember Victoria mentioning that she
• 1:11
  Speaker 2: had a lot of clients that were in their early
• 1:13
  Speaker 2: thirties and had just been divorced and didn't even know
• 1:15
  Speaker 2: how to log into their bank app Well, I'm that girl.
• 1:19
  Speaker 2: I bought my first house when I was nineteen, after
• 1:21
  Speaker 2: working three jobs and saving to log into it. The
• 1:26
  Speaker 2: first three years, I was so broke I couldn't even
• 1:28
  Speaker 2: afford Christmas decorations. In twenty fourteen, my husband and I
• 1:32
  Speaker 2: moved into my parents place and started building a second house.
• 1:35
  Speaker 2: I got both houses on the market and started renting
• 1:38
  Speaker 2: them out. The houses were making a profit of almost
• 1:41
  Speaker 2: two K every month. When I was twenty nine, I
• 1:44
  Speaker 2: discovered my husband of ten years had been cheating.
• 1:48
  Speaker 3: The full time the whole time, and had.
• 1:50
  Speaker 2: A girlfriend for the last four years of our relationship.
• 1:53
  Speaker 2: I lost everything and gained a few STDs. By the
• 1:57
  Speaker 2: time I was able to get access to our bank accounts,
• 2:00
  Speaker 2: he had complete control over them. I saw that I
• 2:02
  Speaker 2: was only going to get one thousand, seven hundred and
• 2:05
  Speaker 2: fifty dollars. I soon found out that he'd gambled and
• 2:09
  Speaker 2: spent all of our savings on gambling and sex workers.
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  Speaker 2: I also discovered we had a thirty K credit card debt.
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  Speaker 2: What then I received the solicitor's bill for seventeen hundred dollars.
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  Speaker 3: Actually had seventeen hundred dollars in her account.
• 2:24
  Speaker 2: So money in money, I've been able to manage to
• 2:27
  Speaker 2: turn that all back around. I bought a holiday house
• 2:30
  Speaker 2: last year and in the process of looking for house number.
• 2:32
  Speaker 3: Four, and I've bought a few shares.
• 2:35
  Speaker 2: I just want to share. I just want to share
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  Speaker 2: my experience so I can help others in my situation,
• 2:40
  Speaker 2: because I know there are heaps of people like me
• 2:42
  Speaker 2: out there. What a dirty dog, and I really want
• 2:46
  Speaker 2: to get all the tea on this, And luckily dire
• 2:48
  Speaker 2: was on the line.
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  Speaker 3: Oh my gosh, I know, heck dick, that happens in
• 2:55
  Speaker 3: real life. People have a girlfriend for four years while
• 2:59
  Speaker 3: being married. Money diarist, What on earth is your money story?
• 3:05
  Speaker 4: Well, it's a good one. It's gc.
• 3:08
  Speaker 3: We want all the tea money. Let's not talk about money.
• 3:11
  Speaker 3: Who is this guy? How do you do that? Did
• 3:14
  Speaker 3: you have any idea? Oh?
• 3:16
  Speaker 4: Look, I had a pretty good idea. He chewed on
• 3:20
  Speaker 4: me maybe five or six times prior to that, so
• 3:24
  Speaker 4: I should know one.
• 3:25
  Speaker 3: S that is so off. But right side, you're not
• 3:30
  Speaker 3: in that relationship anymore and you're essentially a property mogul.
• 3:33
  Speaker 3: Is that correct?
• 3:36
  Speaker 4: I think? So let's go with that.
• 3:37
  Speaker 3: Let's go with that. I have heaps of questions to you,
• 3:40
  Speaker 3: and I want to ask a whole heap of pervy ones.
• 3:42
  Speaker 3: But first we're going to go through our structured questions
• 3:45
  Speaker 3: to get all the baselines, and then we're going to chat.
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  Speaker 3: Is that alright to dive straight in?
• 3:50
  Speaker 4: Go for it?
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  Speaker 3: Great? So first questions first, what is your attitude towards money?
• 3:57
  Speaker 4: It's pretty good. Actually, I've had a pretty good age
• 4:00
  Speaker 4: towards money since I was a teenager and.
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  Speaker 3: You bought your house. Yeah I'm still a child.
• 4:08
  Speaker 4: Yeah pretty much. Yeah, yeah, No, I've got a really
• 4:12
  Speaker 4: good attitude towards money and I've had that my whole life. Though.
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  Speaker 3: I'm so excited to hear that you've always had a
• 4:17
  Speaker 3: really good attitude to money and it didn't push you
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  Speaker 3: off the horse, to stay off the horse when you
• 4:22
  Speaker 3: went through something so traumatic.
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  Speaker 4: Yeah all right, yeah.
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  Speaker 3: Next question is what do you do for work and
• 4:28
  Speaker 3: how much money do you earn.
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  Speaker 4: I'm a police officer and here I and I owned
• 4:35
  Speaker 4: one hundred and six k and this year, after this
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  Speaker 4: financial he will be one hundred and ten.
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  Speaker 3: Hold up, So someone had the audacity to cheat on
• 4:44
  Speaker 3: a police officer who.
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  Speaker 4: He was one as well?
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  Speaker 3: Whoa Oh my god, Is this a TV show? This
• 4:51
  Speaker 3: is a TV show. We're on Blue Heelers right now.
• 4:54
  Speaker 2: Oh my gosh, theah why you hang on seeing as
• 5:00
  Speaker 2: this is all anonymous?
• 5:01
  Speaker 3: So police officers, is there a bit of lack a
• 5:04
  Speaker 3: Is it incestuous?
• 5:05
  Speaker 2: Yeah? Is it like a crazy industry where everyone's sleeping
• 5:08
  Speaker 2: with each other?
• 5:09
  Speaker 3: Clearly, Yeah, it is a bit like that.
• 5:12
  Speaker 4: Yeah, the culture is like that. It was really bad
• 5:14
  Speaker 4: when I first joined it. Heard of weird stuff up,
• 5:17
  Speaker 4: but not really. But yeah, it's quite quite the defense
• 5:21
  Speaker 4: force as well.
• 5:22
  Speaker 3: Yeah, but I feel like that's quite common to kind
• 5:25
  Speaker 3: of like life ghoes with Like, you clearly have something
• 5:27
  Speaker 3: in common with those people, so it makes sense to matter.
• 5:30
  Speaker 3: It's like when doctors get married to other doctors. You're like,
• 5:32
  Speaker 3: of course you did.
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  Speaker 2: You understand the industry. I'm never going to get home
• 5:36
  Speaker 2: And you go, well, I'm, you know, an accountant, so
• 5:39
  Speaker 2: I work nine to five. But a doctor's like, well,
• 5:41
  Speaker 2: you know, I've been working for seventy hours NonStop or whatever.
• 5:44
  Speaker 4: Yeah, so yeah, yeah, and it's not a normal job.
• 5:49
  Speaker 4: And then you do your work, so yeah, you can
• 5:53
  Speaker 4: understand why you get attracted to similar people in the industry.
• 5:56
  Speaker 3: Yeah, I just thought it was the uniform, but that
• 5:58
  Speaker 3: was just me.
• 6:00
  Speaker 2: So just a quick question about that. So obviously one
• 6:02
  Speaker 2: hundred and ten thousand dollars, it's good, it's an amazing money.
• 6:06
  Speaker 2: How long does it take you to kind of reach
• 6:09
  Speaker 2: that point in the police force or is that like
• 6:11
  Speaker 2: a starting figure?
• 6:13
  Speaker 4: No, so that's ten years in the police force.
• 6:16
  Speaker 3: Wow, that's good career congresation, that's huge.
• 6:20
  Speaker 4: Oh. Look, sometimes I feel like I still don't get
• 6:22
  Speaker 4: paid enough, you know, I would agree.
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  Speaker 2: Yeah, I mean there are situations that you get put into, like.
• 6:30
  Speaker 3: I would absolutely agree, police ambulance, healthcare workers, teachers, like
• 6:34
  Speaker 3: all of you do not get paid nearly enough to
• 6:37
  Speaker 3: do the work that you do.
• 6:39
  Speaker 4: No, no, and then the work that the government asked
• 6:43
  Speaker 4: us to do can be a bit challenging as well.
• 6:45
  Speaker 3: So it's good to.
• 6:46
  Speaker 2: Ask, Like, through COVID and things like that, have you
• 6:49
  Speaker 2: seen the scope of what you do day to day
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  Speaker 2: change a lot?
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  Speaker 1: Or yeah?
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  Speaker 4: Massively? Like you're doing your role past this COVID role
• 6:58
  Speaker 4: and you know, people gained dressed in leaguing, so you're
• 7:01
  Speaker 4: taking on their roles as well. You're not getting paid anymore,
• 7:04
  Speaker 4: You're just expected to do it.
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  Speaker 2: That's really interesting to hear from your perspective how much
• 7:09
  Speaker 2: that's actually changed, because I guess the main narrative through
• 7:13
  Speaker 2: COVID has been people losing jobs.
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  Speaker 4: Yeah, because you still have your normal work that hasn't
• 7:19
  Speaker 4: gone away.
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  Speaker 2: Yeah. Wow, Well, thank you for your service is what
• 7:23
  Speaker 2: you say to I think.
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  Speaker 3: So I'm always just like you guys are much cooler
• 7:27
  Speaker 3: than I like. It's a lot.
• 7:30
  Speaker 2: Crisp blue shirt. It does something direct.
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  Speaker 3: We're not talking, sorry about that, Tony, Tony.
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  Speaker 4: All right.
• 7:37
  Speaker 3: So next question is what is currently your big money goal.
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  Speaker 4: I want to retire by the time I'm fifty. I
• 7:46
  Speaker 4: don't want to fifty. Yeah, got four hound money?
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  Speaker 3: She does have four houses. That's very, very impressive on
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  Speaker 3: the way.
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  Speaker 4: I hope to get four hounds. Whether or not that happens,
• 7:59
  Speaker 4: she would the story.
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  Speaker 2: Can I ask how old you are? Money diarist?
• 8:03
  Speaker 3: Thirty five, So she's still young. One hundred and ten
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  Speaker 3: grand at thirty five.
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  Speaker 2: So you've been a police officer since you were twenty five.
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  Speaker 2: So you even bought your first house when you were nineteen,
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  Speaker 2: so long before you had a career, full time job.
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  Speaker 3: Yeah, you're asking questions. Story, all right. The next question
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  Speaker 3: is and we are already no. Part of the answer
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  Speaker 3: to this is do you currently have any investments?
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  Speaker 4: Yes, I've got the houses that I own, and then
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  Speaker 4: I've bought shares as well, so it's not many shares.
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  Speaker 4: Is about fifteen thousand in shares.
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  Speaker 3: There's not many. Okay, Well that's so good.
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  Speaker 4: My partner does shares, and he does it a lot
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  Speaker 4: more than me, so I just go, oh, that's a
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  Speaker 4: little bit. So. The first chares I ever bought was
• 8:57
  Speaker 4: into a mortgage breaking company that approves applications in fifteen minutes.
• 9:04
  Speaker 3: Oh cool, I don't think I've heard it of that.
• 9:07
  Speaker 3: I'm going to look into it and going to ask
• 9:09
  Speaker 3: you offline question. Do you have any debts?
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  Speaker 4: I do. I've got eight hundred and sixty thousand K
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  Speaker 4: worth of debt, obviously because of the houses, but I
• 9:23
  Speaker 4: don't have credit card debts or a car loan or
• 9:26
  Speaker 4: anything like that.
• 9:27
  Speaker 3: Yeah, that's really impressive, and I feel like that's good
• 9:30
  Speaker 3: debt for you to work towards your financial future, which
• 9:33
  Speaker 3: is really exciting. Next question we've started asking all our
• 9:36
  Speaker 3: money diarists because we want all the hot tubs, is
• 9:40
  Speaker 3: do you currently use shot back?
• 9:43
  Speaker 4: I've been on there, and I've had a look back.
• 9:45
  Speaker 4: I don't buy a lot of stuff, so I haven't
• 9:47
  Speaker 4: found anything to buy off there yet.
• 9:49
  Speaker 3: She's not like us. Tony's got control. That's really nice.
• 9:54
  Speaker 2: I like, i'd have three houses on the way to
• 9:57
  Speaker 2: buying four if I didn't buy so much shot back
• 10:00
  Speaker 2: cash backs looking on So that's pretty.
• 10:03
  Speaker 3: Good to watch.
• 10:04
  Speaker 4: I just sort of go, if it's meant to be
• 10:06
  Speaker 4: in my life, it will be on sale and they'll
• 10:08
  Speaker 4: still be there in my side.
• 10:10
  Speaker 3: That's a mentality. I can't get you to that.
• 10:15
  Speaker 4: I like that.
• 10:17
  Speaker 3: The next question which I feel like that is a
• 10:20
  Speaker 3: good money habit. But the next question is what is
• 10:22
  Speaker 3: your best money habit? Is there one better than that?
• 10:25
  Speaker 3: I don't think so.
• 10:28
  Speaker 4: Well. Luckily, I think you're going to live your life
• 10:33
  Speaker 4: a little bit, probably more so than what I do sometimes.
• 10:36
  Speaker 4: But my best money habit would be that every time
• 10:40
  Speaker 4: I get paid, like straight away, I pay all my rent,
• 10:44
  Speaker 4: you know anything else that's sort of I need to pay,
• 10:48
  Speaker 4: I pay up straight away, and then I check my
• 10:50
  Speaker 4: bank account every day or every second day, just so
• 10:53
  Speaker 4: I can keep on top of like I did grow throies.
• 10:56
  Speaker 4: I'm like two hundred and sixty dollars. All right, cool,
• 10:58
  Speaker 4: where's my bank I know I have debits coming out
• 11:02
  Speaker 4: from my phone, Okay, I need to have that in there,
• 11:04
  Speaker 4: and I've got poles and whatever else. I'm just across
• 11:08
  Speaker 4: the figures in my bank account every day.
• 11:11
  Speaker 2: I think that's a really good habit. And obviously, Victoria,
• 11:14
  Speaker 2: that you're the expert, I think that's a good habit
• 11:17
  Speaker 2: because I now use your method of using like having
• 11:22
  Speaker 2: a cash hub and it going through down into different
• 11:24
  Speaker 2: bank accounts.
• 11:26
  Speaker 3: Office is a cult, yes, it is.
• 11:29
  Speaker 2: And so because I know that it's all set up
• 11:32
  Speaker 2: so well, I actually have kind of fallen into the
• 11:34
  Speaker 2: habit of not checking it because I'm like, I don't
• 11:36
  Speaker 2: need to. I know it's fine.
• 11:38
  Speaker 3: And it feels comfortable, right, Yeah. I know that what
• 11:41
  Speaker 3: is in my food, fuel and fun account is what
• 11:43
  Speaker 3: I can spend and it's not going to negatively impact me.
• 11:47
  Speaker 3: Whereas I remember when I was a bit younger, I
• 11:49
  Speaker 3: used to just have one card and one bank account,
• 11:51
  Speaker 3: so it's.
• 11:51
  Speaker 2: One cash pull and you're like, I've got heaps of
• 11:53
  Speaker 2: cat I can go do groceries and it's two hundred
• 11:55
  Speaker 2: and sixty bucks and then like the next day, your
• 11:57
  Speaker 2: phone bill comes in, you're.
• 11:58
  Speaker 3: Like, oh, I wish I'd not done that, and it
• 12:01
  Speaker 3: can be really stressful. So that's why we want more
• 12:04
  Speaker 3: than one bank account to break those things up and
• 12:07
  Speaker 3: plan into the future. Because if you're not doing that,
• 12:09
  Speaker 3: I promise you, you're doing yourself a disservice. Like it's
• 12:13
  Speaker 3: so so empowering when you're in control.
• 12:16
  Speaker 4: Yeah, all my savings is in my opposite accounts, so
• 12:20
  Speaker 4: it's really hard for me to a genius.
• 12:22
  Speaker 3: So she's a genius.
• 12:23
  Speaker 4: Is that money?
• 12:27
  Speaker 2: Then I want to know what's your worst money habit.
• 12:31
  Speaker 4: My worst is probably me spending money and feeling guilty
• 12:35
  Speaker 4: about it. So that's a really bad habit. And I
• 12:38
  Speaker 4: get really grumpy and angry if by buy something for
• 12:41
  Speaker 4: myself or I haven't been well. So you know, I
• 12:44
  Speaker 4: spent seven hundred and fifty dollars on infusions and doctors
• 12:47
  Speaker 4: and medications last week, and I shouldn't.
• 12:49
  Speaker 3: Be feeling bad about that, feeling grateful that you have
• 12:53
  Speaker 3: access to being able to afford to do those things
• 12:56
  Speaker 3: and that you get to put yourself first.
• 12:58
  Speaker 4: Oh my god, exactly.
• 13:00
  Speaker 3: Well, a good money habit, and it's your good money
• 13:03
  Speaker 3: habit that has put you in that position.
• 13:06
  Speaker 4: Yeah, yeah, it just still makes me dirty.
• 13:10
  Speaker 3: Do you know what? Regardless, I feel like when it's
• 13:12
  Speaker 3: something that you're like, well, it's not like I just
• 13:14
  Speaker 3: went and splurged on a new pair of shoes to
• 13:16
  Speaker 3: treat myself, like I couldn't get out of this infusion.
• 13:20
  Speaker 3: I had to have it, and you're just a bit
• 13:21
  Speaker 3: dirty though so expensive. It's like, I get that, but
• 13:24
  Speaker 3: I definitely wouldn't say it's a bad money habit or go.
• 13:27
  Speaker 2: I really splurged on my own health the other day, Like.
• 13:31
  Speaker 3: I splurged and I paid for my antidepressants. Me.
• 13:38
  Speaker 4: Well, I do when I go on holidays, the l
• 13:40
  Speaker 4: actually holidays there the Yeah, I spent a ridiculous amount
• 13:44
  Speaker 4: of money on my holidays, so that's probably where I plurged.
• 13:47
  Speaker 3: You know what, live your best life about those holidays?
• 13:51
  Speaker 2: Well, I had wasn't allowed to ask about the police uniform,
• 13:54
  Speaker 2: so okay.
• 13:55
  Speaker 3: Okay, lucky. Last question, if we forced you to give
• 13:59
  Speaker 3: yourself grade, what would you grade yourself?
• 14:03
  Speaker 4: Still probably a B because I'd like to save more money.
• 14:06
  Speaker 4: I just spent too much money on too because I
• 14:09
  Speaker 4: hate cooking. So yeah, I am definitely supporting local at
• 14:13
  Speaker 4: the moment.
• 14:16
  Speaker 3: That.
• 14:17
  Speaker 2: Yes, yes, genius, I think as well, like you said before,
• 14:21
  Speaker 2: because you do shift work, it's a bit harder to
• 14:23
  Speaker 2: get into a routine, right.
• 14:26
  Speaker 4: It is very hard. Yeah, it is really hard. And
• 14:29
  Speaker 4: you're like, I'm hungry and at three o'clock in the morning,
• 14:32
  Speaker 4: and I shouldn't be hungry right now, and then you know,
• 14:34
  Speaker 4: the only thing that's open is a vending machine in
• 14:37
  Speaker 4: the station and next thing, you're having snakes, you know,
• 14:39
  Speaker 4: at three o'clock in the morning.
• 14:41
  Speaker 2: Nothing else there.
• 14:42
  Speaker 3: Yeah, so that's true, and that's really hard to deal
• 14:45
  Speaker 3: with as well, because you're like, well, I actually didn't
• 14:47
  Speaker 3: have time to plan, but it's one Yeah, I could,
• 14:50
  Speaker 3: I could sympathize with that, but I'm always asleep at
• 14:53
  Speaker 3: three am.
• 14:54
  Speaker 4: Yeah, I think most people are sleep at three a criminal.
• 15:00
  Speaker 3: I just say, except for the ones. And that's why
• 15:02
  Speaker 3: you're at it.
• 15:04
  Speaker 2: All right.
• 15:04
  Speaker 3: We're going to go to a really quick break and
• 15:06
  Speaker 3: then we are going to ask you about your fancy holidays,
• 15:09
  Speaker 3: your ex partner, and Tony wants to ask you about
• 15:12
  Speaker 3: your uniform season money direst. We are back and I've
• 15:22
  Speaker 3: got a lot of questions because I feel like your
• 15:24
  Speaker 3: story is really colorful, from being cheated on to actually
• 15:28
  Speaker 3: buying your first home at nineteen to wearing a really attractive,
• 15:32
  Speaker 3: according to Tony uniform. Like, there's just a lot to cover,
• 15:36
  Speaker 3: but I think I want to start at the start,
• 15:38
  Speaker 3: if that's okay. At nineteen you weren't a police officer yet.
• 15:42
  Speaker 3: How on earth did you buy your first home?
• 15:45
  Speaker 4: Like?
• 15:45
  Speaker 3: What were you working in? How did you save?
• 15:48
  Speaker 4: Like?
• 15:48
  Speaker 3: How was that possible for a nineteen year old?
• 15:51
  Speaker 4: So back in the day, probably before a few people
• 15:55
  Speaker 4: were born listening to this podcast, we know.
• 15:58
  Speaker 3: How not that old.
• 16:02
  Speaker 2: You're actually like an eighty year old woman.
• 16:04
  Speaker 3: It's really bad day.
• 16:06
  Speaker 4: It feels like so long ago. So back then they
• 16:11
  Speaker 4: were giving out handout of fifteen thousand dollars for the
• 16:15
  Speaker 4: grant our first home. Bot Yeah, and you didn't have
• 16:18
  Speaker 4: to build a new home, so we saved up. I
• 16:23
  Speaker 4: think I was twelve or maybe fifteen, they're about so
• 16:26
  Speaker 4: the deposit for the house was twenty five Wow. The
• 16:31
  Speaker 4: first house that we bought was three hundred and five.
• 16:35
  Speaker 4: And back then you didn't even really have to have
• 16:38
  Speaker 4: a deposit. It was like one hundred percent loans that
• 16:41
  Speaker 4: you could get. So we obviously didn't get one hundred
• 16:44
  Speaker 4: percent of the loan. But we yeah, that's how we
• 16:48
  Speaker 4: got our first house.
• 16:49
  Speaker 3: Wow.
• 16:49
  Speaker 2: So what were you doing for work at the time then, Like,
• 16:52
  Speaker 2: what were you earning?
• 16:54
  Speaker 4: So I was a dental assistant.
• 16:57
  Speaker 3: Back then they earned money to a dentist for the
• 17:01
  Speaker 3: last couple of weeks. Actually, yeah, I've got a great dentist.
• 17:04
  Speaker 2: Yeah, or just indistry if anyone's interested in Melbourne.
• 17:09
  Speaker 3: Not sponsored yet, but she's working on it.
• 17:14
  Speaker 4: And my partner had just gone to the police force.
• 17:16
  Speaker 4: So us getting a home loan was quite easy.
• 17:19
  Speaker 2: Okay, because he was like in a service, Yeah.
• 17:22
  Speaker 4: In a service. Yeah. So back then you didn't have
• 17:25
  Speaker 4: the rules and regulations around the homeland and that's how
• 17:28
  Speaker 4: we got our first time. But like I said, so
• 17:30
  Speaker 4: broke couldn't afford Christmas decorations for the first year, and
• 17:34
  Speaker 4: I remember being so excited that I could afford layby
• 17:37
  Speaker 4: for the after Christmas hours and then went and got
• 17:39
  Speaker 4: my Christmas decorations.
• 17:41
  Speaker 2: So that's a really nice and really warm, wholesome memory
• 17:45
  Speaker 2: that you have that you worked really really hard to
• 17:47
  Speaker 2: put all your money into something and that like a
• 17:49
  Speaker 2: year later you could finally afford something.
• 17:51
  Speaker 3: That is so like every day gee, right, but like
• 17:54
  Speaker 3: one of those things where also Layby why don't we
• 17:58
  Speaker 3: have more labor people talk about? Why don't people talk
• 18:00
  Speaker 3: about lay By more lay by Land. We're not sponsored
• 18:03
  Speaker 3: by them. I just really like them. Layby land dot
• 18:05
  Speaker 3: com dot are you, I think is a really good
• 18:07
  Speaker 3: alternative to buy now, pay later, because you don't get
• 18:09
  Speaker 3: the item until you've paid for it, which is kind
• 18:11
  Speaker 3: of like that delayed gratification thing, like if you actually
• 18:14
  Speaker 3: want it, you'll wait for it, right exactly. Anyway, I'm
• 18:17
  Speaker 3: obsessed with them. They don't even know who I am. Like,
• 18:19
  Speaker 3: I've never spoken to them, but I'm like their biggest friend,
• 18:22
  Speaker 3: lou ky creepy. That's okay, but I just feel like
• 18:26
  Speaker 3: also Christmas decorations, buying them after Christmas is genius because
• 18:29
  Speaker 3: they're always on sale.
• 18:30
  Speaker 2: Yeah, they're always so cheap.
• 18:32
  Speaker 3: Smart cookie.
• 18:33
  Speaker 4: Yes, my poor niece's nephews always get that. Easter does
• 18:37
  Speaker 4: as well, so.
• 18:39
  Speaker 2: You can get so much chocolate for not much money.
• 18:42
  Speaker 2: My boyfriend and I always go to Coll's like the
• 18:44
  Speaker 2: day after Easter Sunday and buy like heaps eggs and
• 18:46
  Speaker 2: then eat them through the ear a my kidding through
• 18:48
  Speaker 2: the year in the weekend.
• 18:52
  Speaker 3: So moving on, this partner of yours boyfriend became your husband,
• 18:58
  Speaker 3: is that right?
• 19:00
  Speaker 4: Yeah. So we got married before I was twenty one,
• 19:03
  Speaker 4: so I remember it was baby. I was a kid.
• 19:07
  Speaker 4: I was a baby, so was he. So you know,
• 19:10
  Speaker 4: he kidd of me before we got married. But being young,
• 19:15
  Speaker 4: you just go, we're working on this, and then when
• 19:17
  Speaker 4: you're married, you go, well you're married. You just don't
• 19:19
  Speaker 4: walk away from it. And so yeah, I worked with
• 19:23
  Speaker 4: him really hard, but I didn't realize that he was gambling.
• 19:26
  Speaker 4: And you know, I'd go to buy groceries and the
• 19:29
  Speaker 4: card would decline. I'd be like, that's weird. Why don't
• 19:32
  Speaker 4: we have any money? Like we're both you know, on
• 19:34
  Speaker 4: government wages now, like we should have a decent income food.
• 19:40
  Speaker 4: So yeah, and he said to me, I remember it clearly,
• 19:43
  Speaker 4: he said, you control everything else in my life. The
• 19:47
  Speaker 4: only thing you let me do is the money, So
• 19:49
  Speaker 4: let me do it.
• 19:50
  Speaker 2: So you were like, you can take control of that.
• 19:53
  Speaker 4: Yeah, yeah, because I was like, oh, maybe I am
• 19:56
  Speaker 4: controlling him and.
• 20:00
  Speaker 3: I was gas lighting you one hundred gas lighting me.
• 20:03
  Speaker 4: So it was when I went through the academy, we
• 20:07
  Speaker 4: obviously had to save up to cover the mortgage, so
• 20:10
  Speaker 4: I had one chance to get through the academy, which
• 20:11
  Speaker 4: is a lot of stress because you don't get paid
• 20:15
  Speaker 4: and you get you get a debt as well, so
• 20:18
  Speaker 4: which is another savings tacker. I don't know if it's
• 20:21
  Speaker 4: a hack, but I still pay my HEX every year,
• 20:24
  Speaker 4: so it's like pulse savings.
• 20:26
  Speaker 3: Even though you've paid your HEX. So do you get
• 20:28
  Speaker 3: an epick return?
• 20:30
  Speaker 4: Yeah.
• 20:31
  Speaker 3: I know a whole heap of people that still do
• 20:33
  Speaker 3: that because they're like, I wouldn't save otherwise.
• 20:36
  Speaker 4: Yeah, no, no, So I get a nice pay package
• 20:40
  Speaker 4: every financial year, and I'm like, see, so that helps me.
• 20:44
  Speaker 4: And then I went through the academy. I just buried
• 20:47
  Speaker 4: my head and we saved up enough money. Well, I
• 20:51
  Speaker 4: thought we did to build a second house at the
• 20:53
  Speaker 4: back of the house that we had purchased. But I
• 20:56
  Speaker 4: purposely picked the block that we purchased straight away because
• 21:01
  Speaker 4: it was a flat block and was able to be subdivided.
• 21:04
  Speaker 4: So I knew eventually that I wanted to subdivide it
• 21:06
  Speaker 4: and put another house out the back, and that's what
• 21:09
  Speaker 4: we did, and renovated the front house while we're building
• 21:12
  Speaker 4: out the back. So had that all going. I just
• 21:14
  Speaker 4: had my head in the sand, and I just sort
• 21:16
  Speaker 4: of knew. I knew something was happening, but you just
• 21:18
  Speaker 4: don't want to know at the same time for sure,
• 21:20
  Speaker 4: And the universe has a real funny way of going.
• 21:23
  Speaker 4: You know what. You can't run away from this anymore.
• 21:25
  Speaker 4: And I had a really bad cat and then to
• 21:28
  Speaker 4: the point where I couldn't walk anymore. So I still
• 21:34
  Speaker 4: have problems now, but I'm obviously still able to do
• 21:37
  Speaker 4: my job, so it's just a little bit more painful.
• 21:40
  Speaker 4: And everything stopped, Everything had to stop. And that's when
• 21:44
  Speaker 4: I started picking up on, you know, just things. So
• 21:48
  Speaker 4: I think they was doing but I'd never noticed before,
• 21:52
  Speaker 4: you know, spending hours on the toilet, the phone always
• 21:55
  Speaker 4: been flipped down, the screen was always down, just intertinct.
• 21:59
  Speaker 4: So then I confronted him and I may have done
• 22:03
  Speaker 4: a download on his old phone that he kept with him.
• 22:07
  Speaker 3: Get it, girl, what.
• 22:07
  Speaker 2: A police officer move?
• 22:09
  Speaker 3: Yeah?
• 22:10
  Speaker 4: Yeah, I was like, you can do is that work, Sully?
• 22:12
  Speaker 4: There'll be a program that you can do. It's on
• 22:15
  Speaker 4: the internet.
• 22:16
  Speaker 3: And they don't cheat on a cop. What a plan.
• 22:19
  Speaker 2: They're also not endorsing this.
• 22:20
  Speaker 3: We're not endorsing this, but I don't know I have
• 22:23
  Speaker 3: girlfriends who have had partners cheat on them historically. Right,
• 22:26
  Speaker 3: So many people are like, oh, well, you should never
• 22:28
  Speaker 3: invade their privacy, and I totally agree, but I'd prefer
• 22:32
  Speaker 3: to be in this situation where I'm just really embarrassed
• 22:35
  Speaker 3: for having invaded their privacy, to the point where I'm like,
• 22:37
  Speaker 3: oh my god, Tony, I'm so sorry. I did look
• 22:39
  Speaker 3: on your phone. I was just feeling really nervous. But
• 22:41
  Speaker 3: ninety nine percent of the time, when you look, you
• 22:43
  Speaker 3: find something because you always have that gut instinct and
• 22:45
  Speaker 3: you're only looking because there's.
• 22:47
  Speaker 2: Been something telling something telling you.
• 22:49
  Speaker 3: That you should have And I'm kind of like, oh, like,
• 22:52
  Speaker 3: I don't necessarily agree with it, but in certain situations,
• 22:56
  Speaker 3: it's just the validation that you need to make the
• 22:58
  Speaker 3: right decision for you and you.
• 23:00
  Speaker 2: Yeah, but at this point, he was still controlling all
• 23:02
  Speaker 2: of your finances and everything.
• 23:04
  Speaker 1: Is that right?
• 23:04
  Speaker 3: Oh my gosh, So you did a download of his sign,
• 23:07
  Speaker 3: what'd you find?
• 23:08
  Speaker 4: Yep, that's when I found out he had the girlfriend
• 23:11
  Speaker 4: for four years.
• 23:14
  Speaker 2: You must have been absolutely heartbroken, and you've just been
• 23:16
  Speaker 2: through a car accident as well.
• 23:17
  Speaker 4: I lost this seeing kilos and this is where I've
• 23:20
  Speaker 4: got all my health issues from now from just making
• 23:24
  Speaker 4: myself sick over this breakup, and that's why I'm still
• 23:28
  Speaker 4: paying for medical wheels, which I'm dirty about anyway. So yeah,
• 23:34
  Speaker 4: So I did the download, got all the photos. I
• 23:37
  Speaker 4: sent him the photos because he was at work, and
• 23:39
  Speaker 4: I said, that's it. Were getting the divorce. You had
• 23:41
  Speaker 4: plenty of opportunities to tell me exactly what was happening,
• 23:43
  Speaker 4: and you didn't, And I said, that's it done. I
• 23:48
  Speaker 4: went and got an SDD check and at the time,
• 23:51
  Speaker 4: adopted didn't tell me to get a PAT smith, which
• 23:54
  Speaker 4: I'm going to just say to all the females, if
• 23:56
  Speaker 4: you ever get SDD check, get a pat me, because
• 23:59
  Speaker 4: that's when I found out. About two years old. I
• 24:01
  Speaker 4: did a PAPS to me and they said that I
• 24:03
  Speaker 4: had to servical cancer violist. Oh my gosh, and so
• 24:07
  Speaker 4: I had to pass me on Wednesday. On a Friday,
• 24:09
  Speaker 4: they called me and said You've got to go into
• 24:11
  Speaker 4: surgery on Monday, and I was like, what, so yes,
• 24:16
  Speaker 4: So if you're ever in that situation, get a PAP
• 24:18
  Speaker 4: to me test.
• 24:19
  Speaker 2: So I actually would like to jump on that as well.
• 24:21
  Speaker 2: I encourage everybody I know that it sounds really horrible
• 24:24
  Speaker 2: and invasive and scary. It's really not that bad. Please
• 24:27
  Speaker 2: just go and get it. There's nothing awkward about our vaginas.
• 24:30
  Speaker 2: Everybody's got one. If you are a vagina ha er,
• 24:33
  Speaker 2: please make sure that you're.
• 24:35
  Speaker 3: A vagina have er.
• 24:36
  Speaker 2: Yeah, if you're a vagina haber, like if you are.
• 24:38
  Speaker 3: The owner of a vagina, whoever you are, it doesn't
• 24:41
  Speaker 3: matter who you are.
• 24:41
  Speaker 2: If you're a vagina haver, get it, perhaps me out,
• 24:44
  Speaker 2: hire me for marketing.
• 24:45
  Speaker 3: Why am I doing this? Or you're not getting a
• 24:48
  Speaker 3: promotion to marketing. You can stay as our EP.
• 24:52
  Speaker 4: So then the divorce proceedings started, and obviously when we
• 24:57
  Speaker 4: figured out when I figured out that he was, I
• 25:00
  Speaker 4: went straight to the bank and opened up my own
• 25:03
  Speaker 4: bank account and transferred it was the one, seven hundred
• 25:06
  Speaker 4: and fifty dollars into my bank account, and I was like,
• 25:09
  Speaker 4: that's all I have. I was like, oh my god.
• 25:12
  Speaker 4: When I saw the bank account details, I was like,
• 25:15
  Speaker 4: that's all I have. Like, after you know, fifteen years
• 25:18
  Speaker 4: of working.
• 25:19
  Speaker 2: That's so heartbreaking for you.
• 25:21
  Speaker 4: It was really heartbreaking. And then I made the decision
• 25:24
  Speaker 4: to sell the house because I couldn't afford to paint
• 25:27
  Speaker 4: me out because by this stage it had gone through
• 25:29
  Speaker 4: a boom and then obviously having a second house and
• 25:32
  Speaker 4: they're being sub divided.
• 25:33
  Speaker 3: Yep.
• 25:34
  Speaker 4: Yeah, I just couldn't afford it on my wage, so
• 25:38
  Speaker 4: I had to sell it, which is very, very heartbreaking.
• 25:41
  Speaker 4: So I got a massive payout from that because the
• 25:45
  Speaker 4: homelan was in the two hundreds by that stage, and
• 25:49
  Speaker 4: obviously we sold it for about eight fifty, so I've
• 25:52
  Speaker 4: got a massive payout.
• 25:53
  Speaker 3: Well, like, I'm so glad to hear that, because hearing
• 25:57
  Speaker 3: that you had been left with nothing after working for
• 25:59
  Speaker 3: so long, long to know that you weren't left absolutely
• 26:02
  Speaker 3: high and dry, which happens to so many people. Yeah,
• 26:05
  Speaker 3: it's a good news story, even though it came from
• 26:08
  Speaker 3: a place where you're kind of forced into it.
• 26:11
  Speaker 4: Yeah, yeah, absolutely, And it was shit and I know
• 26:15
  Speaker 4: that house is worth to hit them all now, but
• 26:17
  Speaker 4: you just have to coup it on the chin and
• 26:19
  Speaker 4: keep going. So I bought a block of land down
• 26:22
  Speaker 4: Melbourne and built a house and then it just started
• 26:27
  Speaker 4: from there. So just and I bought a holiday house
• 26:30
  Speaker 4: down at the South Coast last year because I'm like,
• 26:36
  Speaker 4: I just need for my health somewhere to reconnect with nature.
• 26:40
  Speaker 4: And yeah, so now I let that out as a
• 26:43
  Speaker 4: holiday house because obviously you're working. I can't go down
• 26:46
  Speaker 4: there all the time. So yeah, that's a bit of
• 26:48
  Speaker 4: a slide huffle hustle now, so that makes me quite
• 26:51
  Speaker 4: a bit of income. That made us about seventy thousand.
• 26:54
  Speaker 3: What what you hold up? Hold up? Hold up? Why
• 26:57
  Speaker 3: was that not in the first Like you told me
• 26:59
  Speaker 3: that you earn one hundred and ten thousand dollars and
• 27:01
  Speaker 3: just forgot that you earned seventy grand in a side hustle? Yeah,
• 27:06
  Speaker 3: the hold on, hold on, all right? So we you
• 27:09
  Speaker 3: want to know how much do you purchase that house for?
• 27:12
  Speaker 3: And are you putting it on AMBNB? Like how are
• 27:15
  Speaker 3: you doing this? I want to know.
• 27:16
  Speaker 4: So originally it was on the market for nine ninety
• 27:20
  Speaker 4: and when COVID hits and everyone's like, the house prices
• 27:25
  Speaker 4: are never going to recover, and it took that big dip.
• 27:27
  Speaker 4: I knew the house prices were going to recover, and
• 27:30
  Speaker 4: we found this house and we offered six fifty for it,
• 27:33
  Speaker 4: and we saw that just straight away.
• 27:35
  Speaker 3: What you are. So they just took it and you
• 27:38
  Speaker 3: bought it for six fifty when it was worth nine ninety,
• 27:41
  Speaker 3: like you got a million dollar property for an epic discount.
• 27:45
  Speaker 4: We renovated it and made it a lot more homely
• 27:50
  Speaker 4: and yeah, our holiday house friendly, and yeah, it's been
• 27:55
  Speaker 4: booked out since we put it on the market. So
• 27:57
  Speaker 4: we have our own website that we often have it
• 27:59
  Speaker 4: on lights Day and river ride and Airbnb.
• 28:02
  Speaker 3: Oh my gosh, she's the Gata house for that time.
• 28:04
  Speaker 3: But I feel like that's a side huszle that's rising,
• 28:07
  Speaker 3: having holiday houses. So now you've bought this house, even
• 28:10
  Speaker 3: though like six sixty is a lot of money, but
• 28:13
  Speaker 3: you've bought this house. Does the Airbnb cover the mortgage
• 28:17
  Speaker 3: or payments and stuff like that for you? So you're
• 28:19
  Speaker 3: now turning a profit or was that seventy k actually
• 28:21
  Speaker 3: the profit?
• 28:23
  Speaker 4: No, So the renovation costs us about forty five fifty thousand.
• 28:30
  Speaker 4: And I'm quite lucky because I've done renovations before and
• 28:32
  Speaker 4: built before, and my dad built us and we just
• 28:34
  Speaker 4: all went down there and knuckled in and did it ourselves.
• 28:38
  Speaker 4: So that's what was able to save us on the
• 28:40
  Speaker 4: renovation budget. But three payments about eighteen thousand a year,
• 28:45
  Speaker 4: and then you know you insurance rates and all that.
• 28:49
  Speaker 4: So you're probably looking about twenty five thousand, so we've
• 28:52
  Speaker 4: made quite a be a profit.
• 28:53
  Speaker 3: Yeah, that is so good. And as time goes on,
• 28:56
  Speaker 3: obviously those costs are going to go down because you're
• 28:59
  Speaker 3: not going to innovate every single year.
• 29:01
  Speaker 4: What are we in?
• 29:02
  Speaker 3: No congrats, I feel like you've bounced back incredibly well
• 29:07
  Speaker 3: given going through that would have been very traumatic. And
• 29:11
  Speaker 3: I know we don't have heaps of time left because
• 29:13
  Speaker 3: Tony keeps looking at me. But I'd really like to
• 29:16
  Speaker 3: note so this is something that we would never wish
• 29:18
  Speaker 3: on anybody, but unfortunately is really common for a partner
• 29:23
  Speaker 3: to not be faithful to you. How could we potentially
• 29:27
  Speaker 3: have our eyes a little bit wider to make sure
• 29:29
  Speaker 3: that we don't miss those signs, because, as you said,
• 29:33
  Speaker 3: you put your head in the sand about it, and
• 29:35
  Speaker 3: I know a lot of people do, right, And I
• 29:36
  Speaker 3: think that there's a misconception that the second you find
• 29:39
  Speaker 3: out your partner has cheated, you need to leave immediately.
• 29:42
  Speaker 3: But that doesn't work for everybody, and it's not necessarily
• 29:45
  Speaker 3: the right thing for each relationship. So even saying, oh
• 29:49
  Speaker 3: my god, I would leave immediately is just not helpful.
• 29:52
  Speaker 2: Because you're not in this situation you don't know you
• 29:54
  Speaker 2: and you.
• 29:54
  Speaker 3: Also don't know how that works, and just saying well,
• 29:56
  Speaker 3: I would leave immediately, like that's not constructive and pretty
• 29:59
  Speaker 3: entire really, yeah, exactly. So as someone who has been there,
• 30:04
  Speaker 3: how can we be more self aware? Like how can
• 30:07
  Speaker 3: we learn from what you've been through so that hopefully
• 30:10
  Speaker 3: we aren't in that situation.
• 30:12
  Speaker 4: The first one I'd say is, don't be too hard
• 30:14
  Speaker 4: on yourself if you don't notice it, because some of
• 30:16
  Speaker 4: them are really good at hiding and being deceiving and
• 30:21
  Speaker 4: just you know, love bombing you so you'll never see
• 30:24
  Speaker 4: the signs. Mine was a bit slower and thicker, so
• 30:28
  Speaker 4: I could see the signs. I just chose to ignore them.
• 30:31
  Speaker 4: I also believe in gut instinct. As females, we've really
• 30:34
  Speaker 4: got to listen to our gut instinct. I'm quite spiritual
• 30:39
  Speaker 4: in that sense, Like I sit down, I meditate every morning,
• 30:42
  Speaker 4: and I just listen to the signs and what gets
• 30:44
  Speaker 4: told to me during my meditation. So I absolutely believe
• 30:48
  Speaker 4: just in your gut, you know what's happening. Yeah, you know,
• 30:54
  Speaker 4: if something doesn't feel right, it's probably not right. If
• 30:56
  Speaker 4: you've gained something and it doesn't make sense. It's probably
• 30:59
  Speaker 4: a lie, you know, and just things like flipping the
• 31:02
  Speaker 4: phone down, going into the bathroom for aig, it's being
• 31:05
  Speaker 4: really kag you around their computer and their phone, you know,
• 31:09
  Speaker 4: the whole gas fighting. I know in that situation you
• 31:12
  Speaker 4: can be so bitten down that you don't realize you're
• 31:15
  Speaker 4: being gas fighters. So I really think it's a gut interstinct,
• 31:20
  Speaker 4: and it was a gut instinct for me, but I
• 31:21
  Speaker 4: just truce to ignore it.
• 31:23
  Speaker 3: Yeah, but ignoring it obviously didn't serve you. But at
• 31:26
  Speaker 3: the same time, I think we face the things we
• 31:28
  Speaker 3: need to face when we need to face them, and
• 31:30
  Speaker 3: not any earlier. It's kind of like financial literacy, Like
• 31:33
  Speaker 3: you could have told me all of these things when
• 31:35
  Speaker 3: I was twenty years older, but you weren't ready to
• 31:37
  Speaker 3: hear it. I wasn't ready to hear it. I didn't
• 31:39
  Speaker 3: want to do those things. I didn't want to say
• 31:40
  Speaker 3: if I didn't want to invest. And that's why I
• 31:42
  Speaker 3: always say, don't be harsh on past you, because they
• 31:44
  Speaker 3: were just doing the best that they could with the
• 31:46
  Speaker 3: tools and resources that they had at the time, whereas
• 31:49
  Speaker 3: right now you have more. But it doesn't even mean
• 31:51
  Speaker 3: that you would have used them historically, So I think that, yeah,
• 31:54
  Speaker 3: you're right, we shouldn't be harsh on ourselves for those things,
• 31:57
  Speaker 3: and we probably should just be kinder to ourselves in
• 31:59
  Speaker 3: every situation.
• 32:00
  Speaker 4: And I really do believe that the universal step and
• 32:03
  Speaker 4: go right. You've been ignoring this for too long. We're
• 32:05
  Speaker 4: gonna make sure you pay attention.
• 32:07
  Speaker 3: I always find it really interesting because my mum always
• 32:10
  Speaker 3: tells me like, if you want something, just ask the universe,
• 32:12
  Speaker 3: and the universe will deliver what exactly what you need.
• 32:15
  Speaker 3: And I know that that sounds really fluffy, and a
• 32:17
  Speaker 3: lot of people be like, oh, I don't actually believe
• 32:20
  Speaker 3: in that, Like you can't manifest things, and I'm like cool.
• 32:22
  Speaker 3: But also if it's at front of mind for you
• 32:24
  Speaker 3: and you're articulating these things, they are more likely to happen.
• 32:27
  Speaker 3: So whether you believe in it or not, just actually
• 32:30
  Speaker 3: looking for signs and finding affirmation in the things that
• 32:33
  Speaker 3: are in your world can actually help guide you to
• 32:36
  Speaker 3: the right decision, whether you believe in quote the universe.
• 32:39
  Speaker 4: Or not or not. Yeah.
• 32:41
  Speaker 3: Yeah, So I just think that that's a really powerful
• 32:43
  Speaker 3: thing as well, and just trusting your gut. I feel
• 32:45
  Speaker 3: like I've learned a lot about that and pray that
• 32:47
  Speaker 3: I'm never in a situation like that. But yeah, the
• 32:50
  Speaker 3: idea that someone managed to hide an entire girlfriend for
• 32:54
  Speaker 3: four years, that's wild, terrifying.
• 32:56
  Speaker 4: Yeah, you can definitely bounce back some stuff like this,
• 32:59
  Speaker 4: and I really do believe that lessons are to be
• 33:02
  Speaker 4: learned from it. As hard as they are, you definitely
• 33:04
  Speaker 4: come out there on the other side.
• 33:07
  Speaker 3: Oh my god.
• 33:07
  Speaker 2: I just feel so proud of everything you've been through
• 33:11
  Speaker 2: and like how you've come through and.
• 33:13
  Speaker 3: Your attitude and just the fact that you're like, no,
• 33:15
  Speaker 3: like the universe was trying to tell me something and
• 33:17
  Speaker 3: I wasn't listening, and you've kind of taken it in
• 33:19
  Speaker 3: your stride. You're really cool. We're our best friends, right.
• 33:24
  Speaker 4: If you knew how nerdy I was.
• 33:26
  Speaker 3: I'm sorry what you're talking to a financial advisor? Like,
• 33:30
  Speaker 3: I think that we're two peas in a pod, my.
• 33:32
  Speaker 2: Friend, But the fact that you came back from someone
• 33:35
  Speaker 2: controlling your finances and were able to be like, you
• 33:39
  Speaker 2: know what, I'm actually just going to take control of
• 33:41
  Speaker 2: this myself. And now look at you.
• 33:42
  Speaker 3: You've got three.
• 33:43
  Speaker 2: Houses, about to buy another one, You're going to retire
• 33:46
  Speaker 2: by the time you're fifty, you've got an amazing job.
• 33:48
  Speaker 2: You've got this side.
• 33:49
  Speaker 3: Hustle going like this is so exciting.
• 33:52
  Speaker 2: Exactly, and it's just it feels really special that we're
• 33:55
  Speaker 2: a part of it, that you're sharing your story with us.
• 33:57
  Speaker 2: So thank you so much for your time.
• 34:00
  Speaker 3: No thank you, And just before we head off, we'd
• 34:02
  Speaker 3: like to acknowledge and pay respect to Australia's Aboriginal and
• 34:06
  Speaker 3: torrest Rate islander peoples. They're the traditional custodians of the lands,
• 34:10
  Speaker 3: the waterways and the skies all across Australia. Thank you
• 34:14
  Speaker 3: for caring and for sharing the land on which we
• 34:16
  Speaker 3: are able to learn. We pay our respects to elders
• 34:19
  Speaker 3: past and present, and we share our friendship and our kindness.
• 34:22
  Speaker 2: The advice shared on She's on the Money is generally
• 34:25
  Speaker 2: nature and does not consider your individual circumstances. She's on
• 34:29
  Speaker 2: the Money exists purely for educational purposes and should not
• 34:32
  Speaker 2: be relied upon to make an investment or financial decision.
• 34:35
  Speaker 2: And we promise that Victoria Divine is an authorized representative
• 34:38
  Speaker 2: of Australia Pacific Funds Management Proprietary Limited ABN three four
• 34:43
  Speaker 2: one three two four six three two five seven, AFSL
• 34:46
  Speaker 2: three three nine one five one.
• 34:48
  Speaker 3: We'll see next week, guys,