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She's On The Money Radio Recap - 20 August · She's On The Money

• 0:00
  Speaker 1: Come on air and I have radio.
• 0:03
  Speaker 2: She's on The Money Radio Show.
• 0:07
  Speaker 3: With Victoria Divine starts now, Hello and welcome to that.
• 0:11
  Speaker 3: She's on the Money Radio Show podcast, the podcast Millennials
• 0:15
  Speaker 3: who want Financial Freedom?
• 0:16
  Speaker 2: I love that for us. You did that perfectly this week.
• 0:19
  Speaker 2: Well done, my friend.
• 0:20
  Speaker 4: Maybe trad they said if we said if you screwed
• 0:23
  Speaker 4: it up, it was my job.
• 0:24
  Speaker 5: But I guess you keep it.
• 0:25
  Speaker 6: That's how I roll po po. Hey, Hey, guess what
• 0:28
  Speaker 6: this week?
• 0:28
  Speaker 5: Guys? Just what we're talking about?
• 0:29
  Speaker 2: What are we talking to?
• 0:30
  Speaker 5: Toria's hen's nae?
• 0:33
  Speaker 6: Because oh we are?
• 0:34
  Speaker 2: Indeed.
• 0:35
  Speaker 1: Do you know the best thing about this?
• 0:36
  Speaker 5: Right?
• 0:36
  Speaker 3: I love the podcast intro because in the radio show
• 0:39
  Speaker 3: we got to be all nice and fancy and above board,
• 0:42
  Speaker 3: but we actually didn't get into any details.
• 0:44
  Speaker 1: Victoria, So yeah, tell us the dirty stull what happened, mate,
• 0:48
  Speaker 1: just for our podcast community.
• 0:49
  Speaker 7: Look, it wasn't as spicy as you guys think it was. Sure, No, no,
• 0:53
  Speaker 7: no really because I said to my girlfriends like, if
• 0:55
  Speaker 7: you get a stripper, I will literally go and sit
• 0:57
  Speaker 7: in my car and cry, absolutely not happening.
• 0:59
  Speaker 2: I would be so uncomfortable with that.
• 1:02
  Speaker 3: Can I just say though? And this isn't me trying
• 1:04
  Speaker 3: to win any brownie points?
• 1:05
  Speaker 1: Whatever?
• 1:06
  Speaker 3: The older I get like strippers. No, I just think
• 1:09
  Speaker 3: to myself, I've been to.
• 1:10
  Speaker 2: Lots of Hen's parties with them. I've got no problem
• 1:12
  Speaker 2: with them.
• 1:13
  Speaker 7: But the idea of me being the center of attention
• 1:16
  Speaker 7: in that situation, it's just not me.
• 1:17
  Speaker 3: Yeah, I just don't know, like this is going to
• 1:19
  Speaker 3: sounds like it's going down like a serious path here.
• 1:22
  Speaker 3: But if I'm getting married, my wife is the most
• 1:25
  Speaker 3: beautiful woman in the world, Like, why would I want
• 1:28
  Speaker 3: to look at somebody else?
• 1:29
  Speaker 1: You know what I mean?
• 1:30
  Speaker 2: That's really cute. That's I wish you go to Steven
• 1:33
  Speaker 2: let him know.
• 1:34
  Speaker 3: All right, Steve, let's go have a cheeky whiskey in
• 1:36
  Speaker 3: a chat and we'll go to some strippers just to
• 1:38
  Speaker 3: show you.
• 1:38
  Speaker 1: Why they're bad.
• 1:39
  Speaker 3: No, I'm joking, No, tell us somebody.
• 1:42
  Speaker 7: So we went down the Mornington Peninsula. We had the
• 1:46
  Speaker 7: Hens party Imports here, which is where we fancy. We
• 1:48
  Speaker 7: didn't own the property. I just there be and beat it.
• 1:50
  Speaker 2: Really nice venue.
• 1:52
  Speaker 7: It was tennis themed, so it was wimbled in the
• 1:54
  Speaker 7: themed so everyone wore their tennis whites.
• 1:57
  Speaker 3: Can I just stop you, right, there because I love
• 1:59
  Speaker 3: you so much, Victoria Devine. You're one of my favorite
• 2:02
  Speaker 3: people in this world. But then you broke my heart.
• 2:05
  Speaker 3: How because you're wearing white crocs.
• 2:07
  Speaker 7: Mate, Oh my gosh, they are the best things that's
• 2:10
  Speaker 7: ever happened to me.
• 2:12
  Speaker 6: How elite.
• 2:14
  Speaker 2: I will not be canceled.
• 2:16
  Speaker 7: Crocs are Look, tell me they're not the most practical
• 2:19
  Speaker 7: shoe in the world.
• 2:19
  Speaker 2: You can slip them on.
• 2:20
  Speaker 7: You can go to the cafe sports mode activated, you
• 2:23
  Speaker 7: flip the thing back, pop your shoeing. You could run
• 2:25
  Speaker 7: a marathon in a pair of crocs. I will not
• 2:27
  Speaker 7: hear you trying to cancel them again.
• 2:29
  Speaker 3: You can do all of those amazing things. But then
• 2:31
  Speaker 3: you turn into an old person that nobody likes.
• 2:34
  Speaker 7: Okay, well I don't particularly care because I'm not here
• 2:37
  Speaker 7: to people, please, I'm here for comfort. And do you
• 2:39
  Speaker 7: know those giblet things got some gym so they're like
• 2:43
  Speaker 7: the decorations for your cross.
• 2:45
  Speaker 2: And I got a little tennis ball.
• 2:46
  Speaker 4: To put on. Its embarrassing, like a chicken called a gibble.
• 2:54
  Speaker 4: It's what my auntie Norma has on underneath.
• 2:57
  Speaker 2: Yeah, let's move on, let's move.
• 3:00
  Speaker 4: I know you get married, but don't let go just yet,
• 3:03
  Speaker 4: Victoria Devine, you've got book covers to be on Giblitz.
• 3:05
  Speaker 7: No, I never want to be on my book cover.
• 3:07
  Speaker 7: I was really specific about that. When we were doing
• 3:09
  Speaker 7: like the design, I was like, do not put me on.
• 3:11
  Speaker 2: The cover of my book.
• 3:12
  Speaker 7: That is not me at all, which is why our
• 3:14
  Speaker 7: book is peachy and our new one.
• 3:16
  Speaker 2: Is the very beautiful pistachio green.
• 3:20
  Speaker 7: Speaking of the book though, before I let you guys
• 3:22
  Speaker 7: get into the actual radio show, we've got a book
• 3:24
  Speaker 7: event coming up. We have an entire book tour coming up.
• 3:27
  Speaker 7: Has been Yeah, it's being announced now, guys.
• 3:31
  Speaker 2: I haven't told anybody.
• 3:33
  Speaker 5: We need some music.
• 3:37
  Speaker 2: Come September.
• 3:38
  Speaker 7: I am touring Melbourne, Sydney and Brisbane. We have epic
• 3:42
  Speaker 7: events coming, epic goodie bags, epic people cough. You guys
• 3:46
  Speaker 7: are going to be there. You're going to do some
• 3:48
  Speaker 7: live pod recordings. Our live podcast recording went so well.
• 3:52
  Speaker 7: But we're touring with Fame, guys. I'm so excited. Same
• 3:56
  Speaker 7: people who Britten Laura from Life touring with Have I
• 3:59
  Speaker 7: made it?
• 4:00
  Speaker 6: What I thought?
• 4:00
  Speaker 1: You said? With Fame, like.
• 4:02
  Speaker 7: Shane s an E, they're the guys that throw good
• 4:04
  Speaker 7: at it, they said, are doing.
• 4:07
  Speaker 5: The same thing with the same group.
• 4:08
  Speaker 7: Great, Yeah they're epic. So now I'm as cool as Britain.
• 4:11
  Speaker 7: Laura maybe maybe, maybe.
• 4:14
  Speaker 4: Laura are a ver I've been in Barley with those girls.
• 4:17
  Speaker 4: They drink a margarita like no one else. Actually, actually,
• 4:22
  Speaker 4: just Bruce dry your high Actually, so all Allura was
• 4:24
  Speaker 4: like on the waters and what about the Barley eyes It.
• 4:26
  Speaker 2: Was absolutely not. Yeah, they're much cooler than me.
• 4:29
  Speaker 6: I don't wear crocs, wear crocs, not.
• 4:33
  Speaker 2: Going to fit in, even want to fit in.
• 4:35
  Speaker 7: But check out the shees on the Money website if
• 4:37
  Speaker 7: you want more information on that. There is now an
• 4:39
  Speaker 7: entire page dedicated to it. So if you want to
• 4:42
  Speaker 7: come hang out with us in September, we'll be there
• 4:44
  Speaker 7: with bells on.
• 4:45
  Speaker 3: But if you want to check out some amazing money tips,
• 4:48
  Speaker 3: not only how you can distribute and say from your
• 4:52
  Speaker 3: hens or bucks if you're about to plan one, if
• 4:54
  Speaker 3: you are also looking at IVF a little cheeky tip
• 4:57
  Speaker 3: you might not know about that you can pay it
• 4:59
  Speaker 3: with and we threw it out there to ow She's
• 5:02
  Speaker 3: on the Money Radio community for the show to give
• 5:04
  Speaker 3: us some super Saber Saturday staky tips and they bloody delivered, Mitch,
• 5:09
  Speaker 3: you did.
• 5:09
  Speaker 2: Not yea, yours was a terrible tip.
• 5:12
  Speaker 6: Can we don't shame me on my show?
• 5:14
  Speaker 5: Thank you very much.
• 5:15
  Speaker 7: We listened to it because we wanted to be kind,
• 5:18
  Speaker 7: we wanted to include you, but I mean it was
• 5:21
  Speaker 7: kind of.
• 5:21
  Speaker 1: Trash group decision. Never let me.
• 5:23
  Speaker 6: I'm going I'm going to get a coffee, all right,
• 5:25
  Speaker 6: I love you.
• 5:26
  Speaker 3: She's on the Money radio show starts right now. Guess what,
• 5:30
  Speaker 3: Cyndi Lauper was right when she said.
• 5:39
  Speaker 2: Girls just want to have fun.
• 5:42
  Speaker 4: They it's all they want. It's all I want as well.
• 5:44
  Speaker 4: Cindy opposition Mitch as well because she.
• 5:47
  Speaker 2: Got it wrong. No one wants fun. They all want funds.
• 5:50
  Speaker 4: Oh my god, hold on, sorry, I know we're going
• 5:52
  Speaker 4: to talk about your hands part of Victoria.
• 5:53
  Speaker 5: There's a song parody in that for you. Girls just
• 5:55
  Speaker 5: want to have funds.
• 5:56
  Speaker 6: Make that now, girls just want yes?
• 6:01
  Speaker 1: All right?
• 6:01
  Speaker 3: Your Hen's weekend last week, Victoria. We know all the
• 6:04
  Speaker 3: juicy gossip been here, you told us off here before.
• 6:07
  Speaker 3: But for everyone listening, what happened.
• 6:08
  Speaker 7: Look, we had a pretty good weekend, went down the
• 6:11
  Speaker 7: coast with a bunch of my closest to girlfriends. We
• 6:14
  Speaker 7: actually hired a house, so I ended up paying for
• 6:17
  Speaker 7: that one.
• 6:18
  Speaker 2: Not a bad thing.
• 6:19
  Speaker 7: I just really wanted to contribute to my own hens
• 6:22
  Speaker 7: because I knew that these things can blow out of
• 6:24
  Speaker 7: proportion pretty quickly. So I had to chat with my
• 6:27
  Speaker 7: bridesmaids and said, this is what I want to do.
• 6:29
  Speaker 7: This is how it's going to work. They weren't that
• 6:30
  Speaker 7: happy with it, to begin to what.
• 6:32
  Speaker 4: Traditionally bridesmaids organized the hens for the bride.
• 6:35
  Speaker 7: Yeah, yeah, so bridesmaids like organize it all and it's
• 6:38
  Speaker 7: meant to be one hundred percent of surprise. I was
• 6:40
  Speaker 7: very aware that these things add up very quickly because
• 6:43
  Speaker 7: I've been to a few hens in my day. I'm
• 6:46
  Speaker 7: at that age where every man and his dog is
• 6:48
  Speaker 7: getting marriedcy.
• 6:50
  Speaker 2: Yeah, look, Lucy's an ex. She's currently single.
• 6:52
  Speaker 7: For any puppies at the dog park who want intro, yeah,
• 6:56
  Speaker 7: she's into goodles.
• 6:58
  Speaker 6: So just to hit so you trap so that.
• 7:01
  Speaker 5: The tea hang on.
• 7:02
  Speaker 2: You didn't say no, I said grued or yeah.
• 7:05
  Speaker 7: But I paid for the house purely because I said, look,
• 7:08
  Speaker 7: this is what I want to contribute to it, because
• 7:09
  Speaker 7: I just don't want the cost getting out of control
• 7:13
  Speaker 7: for everybody else coming. I'm very aware that everybody that
• 7:16
  Speaker 7: was coming to my hands was in a very different
• 7:18
  Speaker 7: financial circumstance. Like some of my friends are single, some
• 7:21
  Speaker 7: of them are married with kids, some of them have
• 7:23
  Speaker 7: just bought houses, some are.
• 7:24
  Speaker 2: Saving home deposits.
• 7:25
  Speaker 7: Like I just hate the idea that it would be
• 7:28
  Speaker 7: astronomical to celebrate me.
• 7:30
  Speaker 6: It's also awkward to ask. Do you ask your friends?
• 7:34
  Speaker 5: Do you say you have to?
• 7:35
  Speaker 4: Is it that awkward thing where you just send a
• 7:37
  Speaker 4: Facebook messenger with your bsban account number, Like, it's a
• 7:39
  Speaker 4: very awkward thing to do.
• 7:40
  Speaker 7: Yeah, So the girls did still contribute, and that wasn't
• 7:44
  Speaker 7: organized by me.
• 7:45
  Speaker 2: So my girlfriends organized the.
• 7:47
  Speaker 7: Party and the alcohol and the food and the topless waiter,
• 7:51
  Speaker 7: all without me, which I'm very grateful for. But I
• 7:55
  Speaker 7: think this opens up a bigger conversation around who is
• 7:58
  Speaker 7: meant to carry that burden, because you guys would know
• 8:01
  Speaker 7: parties get out of control pretty quickly. Hiring someone to
• 8:04
  Speaker 7: come as entertainment, then food and alcohol you're looking at
• 8:07
  Speaker 7: like at least a couple of hundred dollars ahead. Let alone,
• 8:10
  Speaker 7: if you wanted to go away for the weekend, then
• 8:12
  Speaker 7: there's accommodation and everything on top of that, and I
• 8:15
  Speaker 7: just think it's really unrealistic to expect your wedding guests
• 8:19
  Speaker 7: to pay for that, because.
• 8:20
  Speaker 6: Well, here's the thing.
• 8:20
  Speaker 4: According to retail Me not Right, which is a website
• 8:23
  Speaker 4: in the US, apparently one hundred and eighty Australian dollars
• 8:26
  Speaker 4: is what a guest can expect to pay at a
• 8:28
  Speaker 4: bachelorette party.
• 8:29
  Speaker 5: One hundred and eighties.
• 8:30
  Speaker 7: See, I feel like that is so, so, so much money.
• 8:34
  Speaker 7: And then on top of that, if we go with
• 8:37
  Speaker 7: what tradition says according to Vogue, each guest obviously pays
• 8:41
  Speaker 7: for themselves, but they're meant to cover the cost of
• 8:43
  Speaker 7: the brighte, so like that would be that's fair, though.
• 8:46
  Speaker 5: It's your celebration.
• 8:47
  Speaker 4: If one of my best friends is getting married, I'd
• 8:49
  Speaker 4: chuck in one hundred bucks or fifty bucks.
• 8:51
  Speaker 8: So I get it.
• 8:51
  Speaker 7: I totally get it, and I'm on exactly the same page.
• 8:54
  Speaker 7: But we are both in a very privileged position where
• 8:57
  Speaker 7: we can afford that it's within our budgets. What if
• 9:00
  Speaker 7: your best friend's getting married and you're up to your
• 9:02
  Speaker 7: eyeballs in credit card debt, like that could actually give
• 9:05
  Speaker 7: you mad anxiety to have to pay for something that
• 9:08
  Speaker 7: maybe you hadn't anticipated.
• 9:09
  Speaker 1: Have you ever been like a maid of honor?
• 9:11
  Speaker 7: I have, I have, And it's a lot of pressure, responsibility.
• 9:15
  Speaker 3: See I've been a best man three times, low key
• 9:18
  Speaker 3: flex there from me.
• 9:19
  Speaker 2: You have, so I've only done it once.
• 9:22
  Speaker 3: But you must be popular. No, always the bride's maid,
• 9:24
  Speaker 3: never the bride.
• 9:25
  Speaker 2: Right, Well, that's on you, bab that's on.
• 9:28
  Speaker 1: The worst thing you think it is a meeting. I'll
• 9:30
  Speaker 1: cop that.
• 9:30
  Speaker 3: But the best man always cops the hit as well,
• 9:33
  Speaker 3: because you sit there and you organize the bachelor party
• 9:36
  Speaker 3: and there might be say fifty people on the list
• 9:39
  Speaker 3: that go, and they're all like, yep, I'm in, I'm in.
• 9:41
  Speaker 3: So you go and you book the accommodation, you book everything,
• 9:44
  Speaker 3: the entertainment. Then one by one people start dropping off,
• 9:47
  Speaker 3: dropping off, dropping off. And I've actually paid three to
• 9:51
  Speaker 3: four thousand bucks out of my own pocket because I've
• 9:54
  Speaker 3: had to pay for everything and people just haven't come.
• 9:56
  Speaker 2: That is ridiculous.
• 9:58
  Speaker 7: And see that's a burden that I don't I think
• 10:00
  Speaker 7: anyone should have to carry.
• 10:01
  Speaker 2: But it's a part of the process.
• 10:03
  Speaker 7: And then I don't know, it just makes me feel
• 10:05
  Speaker 7: uncomfortable because I just hate other people being financially compromised
• 10:09
  Speaker 7: because of me.
• 10:11
  Speaker 3: Right now, Victoria Devine, your HENS weekend, last weekend, girls
• 10:15
  Speaker 3: just want to do what.
• 10:24
  Speaker 2: Have funds? They want to have fun.
• 10:25
  Speaker 6: You've got to sing it, Victoria, I'm.
• 10:27
  Speaker 2: Not going to sing it. You guys do not pay
• 10:29
  Speaker 2: me enough. Absolutely not.
• 10:31
  Speaker 3: So with your HENS weekends, you hide yourself in Airbnb
• 10:34
  Speaker 3: down the coast. You had a lot of entertainment, a
• 10:36
  Speaker 3: lot of activities. Now that can cost a lot of money.
• 10:39
  Speaker 3: So we're wondering on thirty one O six five, what
• 10:41
  Speaker 3: have you had to do either for your HENS or
• 10:43
  Speaker 3: your bucks and how much did it end up costing you? Emily,
• 10:47
  Speaker 3: you wanted some advice.
• 10:48
  Speaker 8: Yeah, that's all right, guys.
• 10:52
  Speaker 2: It's not what we anticipated. But like we're here, what
• 10:55
  Speaker 2: do you want to know? Emily.
• 10:57
  Speaker 8: I'm a little bit in a sort of stick situation
• 11:00
  Speaker 8: because I am the chosen bridesmaids are made of honor,
• 11:04
  Speaker 8: and my beautiful, beautiful best mate she's getting married. But
• 11:08
  Speaker 8: I've been asked to organize the hen's party and the
• 11:11
  Speaker 8: bridle shower and things like that. But I'm really awkward
• 11:14
  Speaker 8: with asking about money because part of me just wants
• 11:17
  Speaker 8: to lay it on sick, but I also like, I
• 11:19
  Speaker 8: can't afford it, and so I want to make sure
• 11:21
  Speaker 8: that this day is perfect for her, especially the Hen's party.
• 11:25
  Speaker 8: But I kind of need some help with the mulla.
• 11:28
  Speaker 7: So it's hard, right, and it's awkward asking people for
• 11:32
  Speaker 7: cash before you've organized it because you're like, all right,
• 11:35
  Speaker 7: like I've done the budget, I need, you know, maybe
• 11:37
  Speaker 7: one hundred bucks from each of you so I can
• 11:39
  Speaker 7: go and organize this. Like there's a lot of organizing,
• 11:42
  Speaker 7: but I would honestly start with a spreadsheet, break down
• 11:45
  Speaker 7: what you want to do as many of the things
• 11:48
  Speaker 7: DIY as possible. Obviously it's time consuming though, so I
• 11:52
  Speaker 7: can understand if you want to outsource some of it.
• 11:55
  Speaker 7: But from my perspective, I go, all right, what can
• 11:57
  Speaker 7: we do and where can we do it? Think think
• 12:00
  Speaker 7: venue needs to come first, because that's arguably going to
• 12:03
  Speaker 7: be one of your biggest costs because either you're going
• 12:06
  Speaker 7: to have to pay for food and beverage, or you
• 12:08
  Speaker 7: might have an airbnb, or you might get away with
• 12:11
  Speaker 7: having it at someone's house, which could be a bit
• 12:13
  Speaker 7: of a money win because then there's maybe no cost.
• 12:16
  Speaker 7: But I would actually sit down with the bride and say, well, actually,
• 12:19
  Speaker 7: I want this to be amazing. I want you to
• 12:21
  Speaker 7: have a really good time. What are your expectations so
• 12:24
  Speaker 7: that you can manage that along the way, because there
• 12:27
  Speaker 7: would be nothing worse than her expecting you to basically
• 12:30
  Speaker 7: create a circus for her. And then she gets there
• 12:32
  Speaker 7: and she's like, oh, this is not what I thought
• 12:34
  Speaker 7: it would be.
• 12:35
  Speaker 2: So the money part hate for that to happen exactly.
• 12:38
  Speaker 7: But it's more around like, well, what do you want
• 12:40
  Speaker 7: to do and how can we make that happen? And
• 12:42
  Speaker 7: I think there's nothing more beautiful than the thought, And
• 12:45
  Speaker 7: genuinely it's the thought that counts. And I was talking
• 12:47
  Speaker 7: to my bridesmaids about this, and you know what had
• 12:50
  Speaker 7: happened at other HENS parties. Honestly the most meaningful things
• 12:54
  Speaker 7: that I think you could do, And having had my
• 12:57
  Speaker 7: HENS literally last weekend, it's all the small things. It's
• 13:01
  Speaker 7: the fact that my friends reached out to my fiance
• 13:04
  Speaker 7: and got him to answer all these questions and then
• 13:06
  Speaker 7: we had games based around what he had answered and
• 13:09
  Speaker 7: whether I could answer the same question with the same response,
• 13:12
  Speaker 7: and just things that are quite meaningful don't need to
• 13:17
  Speaker 7: cost a lot of money, So I think if you
• 13:19
  Speaker 7: do a heap of googling of like free hens activities
• 13:21
  Speaker 7: and jam pack the day and then maybe pick one
• 13:24
  Speaker 7: hero activity that you go all right, well, this is
• 13:27
  Speaker 7: where we're going to allocate the funds too.
• 13:29
  Speaker 4: Well, can I hate to kill the vibe I've just
• 13:30
  Speaker 4: searched on Amazon you can get Pin the Penis on
• 13:32
  Speaker 4: the Man for four dollars on Amazon.
• 13:34
  Speaker 2: It's a fundation money weird that is so affordable.
• 13:36
  Speaker 6: And such a fun game for families and children.
• 13:38
  Speaker 5: I mean four bucks, come on.
• 13:40
  Speaker 2: Yeah, Look, I feel like all of those things are
• 13:42
  Speaker 2: really fun.
• 13:42
  Speaker 7: But for me, it was really about feeling as though
• 13:46
  Speaker 7: my friends had put the time, energy and effort into it,
• 13:49
  Speaker 7: and they absolutely had, And it was more about me
• 13:52
  Speaker 7: being surrounded by my favorite people. And I think that
• 13:55
  Speaker 7: that's where for me it meant the most. It wasn't
• 13:58
  Speaker 7: actually about, oh my gosh, we went to the most
• 14:00
  Speaker 7: expensive hotel.
• 14:01
  Speaker 2: Because we didn't.
• 14:02
  Speaker 7: We actually ended up going out to the pub for
• 14:04
  Speaker 7: dinner because that's what the budget allowed.
• 14:07
  Speaker 2: We ended up having.
• 14:08
  Speaker 7: Some pizzas and some hot chips and a few drinks,
• 14:10
  Speaker 7: and I thought that was perfect.
• 14:13
  Speaker 8: G you know what, that's perfect By the sounds Pinterest
• 14:15
  Speaker 8: is going to be my best mate.
• 14:16
  Speaker 7: Oh, Pinterest, Absolutely, there's so many good diis.
• 14:20
  Speaker 2: Also.
• 14:20
  Speaker 7: The other thing that I think can bring down the
• 14:23
  Speaker 7: cost of a HENS is not expecting everybody to do
• 14:26
  Speaker 7: every activity. It might be a little bit more of
• 14:29
  Speaker 7: a run around. I know, the organization part sucks. We're
• 14:32
  Speaker 7: going back to our spreadsheet here. For example, my girlfriends
• 14:36
  Speaker 7: took me to the spa in the morning, but only
• 14:38
  Speaker 7: a handful of them came and the rest of them
• 14:40
  Speaker 7: turned up later in the day. But I think it
• 14:42
  Speaker 7: can be a really meaningful day without you having to
• 14:46
  Speaker 7: throw thousands of dollars at it, because I think that's ridiculous.
• 14:48
  Speaker 3: All right, if you got yourself a little bit of
• 14:50
  Speaker 3: a money dilemma, you're struggling with your cash flow, you
• 14:52
  Speaker 3: got yourself into a little bit of a situation, maybe
• 14:54
  Speaker 3: you need of advice. Hit us up anytime on socials.
• 14:57
  Speaker 3: Just search Sheese on the money, just like Simon has done.
• 15:00
  Speaker 3: She wants some advice on how to pay for IVF
• 15:03
  Speaker 3: using super Okay, we're going to go from Hen's Nights
• 15:06
  Speaker 3: to IVF.
• 15:07
  Speaker 1: I like what we're doing here.
• 15:08
  Speaker 7: I feel like it's diverse, it's different, but you know,
• 15:11
  Speaker 7: what the common theme here is all of it's really expensive.
• 15:14
  Speaker 1: Yep, this is.
• 15:16
  Speaker 6: She's on the Money radio show.
• 15:18
  Speaker 3: If you want your money dilemma solved, well then you've
• 15:21
  Speaker 3: come to the right.
• 15:22
  Speaker 6: Place, right.
• 15:24
  Speaker 4: So every week we do a money dilemma. It's when
• 15:27
  Speaker 4: we bring someone's financial story on air to get Victoria's
• 15:29
  Speaker 4: advice on.
• 15:30
  Speaker 5: What they should do.
• 15:31
  Speaker 4: So Simone send us a DM about paying for IVF
• 15:34
  Speaker 4: using superannuation. So she says, Hi, v my husband and
• 15:37
  Speaker 4: I are looking at going down the path of IVF
• 15:40
  Speaker 4: as we haven't been able to fell pregnant naturally. Obviously,
• 15:42
  Speaker 4: it's an expensive process and I've heard you can pay
• 15:45
  Speaker 4: for it out of your superannuation. Between us, we have
• 15:48
  Speaker 4: a total combined income of one hundred and sixty thousand
• 15:50
  Speaker 4: dollars a year. She wants to know, is it a
• 15:52
  Speaker 4: bad time because of the economy and can you actually
• 15:55
  Speaker 4: dip into your super and take money out?
• 15:57
  Speaker 7: Yes, you absolutely can take money out of your superannuation
• 16:00
  Speaker 7: to pay for IVF, which I actually don't think a
• 16:03
  Speaker 7: lot of people know because it's not something like I am.
• 16:06
  Speaker 7: I would say young, I'm in my thirties, I'm a
• 16:08
  Speaker 7: young female and a lot of my friends are. Now,
• 16:11
  Speaker 7: this is weird, guys getting pregnant on purpose, And this
• 16:15
  Speaker 7: is not something I've incurred before, because historically when my
• 16:20
  Speaker 7: friends got pregnant, you'd kind of like side eye them
• 16:22
  Speaker 7: and be like, are we excited about this?
• 16:24
  Speaker 1: How are we reacting about the Yeah?
• 16:26
  Speaker 2: How are you reacting about this?
• 16:27
  Speaker 7: And that's actually my default still, I don't mean it,
• 16:30
  Speaker 7: but Trav, if you were like, I'm expecting a baby,
• 16:32
  Speaker 7: I'd be like, oh, are we excited about this?
• 16:35
  Speaker 5: Or no?
• 16:35
  Speaker 8: Yes?
• 16:36
  Speaker 5: I mean yeah, yeah.
• 16:37
  Speaker 7: But nowadays my friends are on purpose getting pregnant, and
• 16:40
  Speaker 7: if they can't get pregnant, they're looking at alternatives like
• 16:43
  Speaker 7: IVF and IUI to actually facilitate that process, which is
• 16:47
  Speaker 7: arguably incredibly expensive.
• 16:49
  Speaker 2: But because all of us have been.
• 16:51
  Speaker 7: Trying not to get pregnant for so long, none of
• 16:53
  Speaker 7: us know how to actually get pregnant and what it
• 16:56
  Speaker 7: might cost.
• 16:57
  Speaker 1: Right, I think we know how to get pregnant.
• 16:58
  Speaker 7: Mate, But like I would have historically no idea when
• 17:03
  Speaker 7: it came to IVF because it's not something that's ever
• 17:06
  Speaker 7: been in my circle. And you only come into IVF
• 17:09
  Speaker 7: when you find yourself in a little bit of a
• 17:11
  Speaker 7: pickle where you.
• 17:11
  Speaker 2: Come to get pregnant.
• 17:12
  Speaker 6: There's not just one way to get pregnant, but twenty
• 17:14
  Speaker 6: twenty two, you know.
• 17:15
  Speaker 3: Yeah, And the thing is a good friend of mine.
• 17:17
  Speaker 3: I was having a chat to him about this because
• 17:19
  Speaker 3: he's going through his third bout of IVF, and we
• 17:24
  Speaker 3: just sat there and thought, all those years where you
• 17:27
  Speaker 3: know you're trying to be careful, and now it's costing
• 17:30
  Speaker 3: him over thirty thousand dollars just to try to do it.
• 17:33
  Speaker 1: He could have been gone wild.
• 17:34
  Speaker 7: It is actually crazy, like as women and I talk
• 17:37
  Speaker 7: to my girlfriends about this all the time. We have
• 17:40
  Speaker 7: spent our entire lives on birth control and talking about
• 17:43
  Speaker 7: contraception and avoiding getting pregnant so much so that when
• 17:48
  Speaker 7: the narrative flips and you want to get pregnant, you're like,
• 17:50
  Speaker 7: hold on, what do I have to do to put
• 17:52
  Speaker 7: my body in the best possible position? And to me
• 17:54
  Speaker 7: it sounds wild. But let's get back to IVF. So yes,
• 17:57
  Speaker 7: IVF is a very significant financial and it's one that
• 18:01
  Speaker 7: a lot of us don't plan for because, as I said,
• 18:03
  Speaker 7: you don't really know that you're going to need it
• 18:05
  Speaker 7: until you need it.
• 18:05
  Speaker 2: Because we don't think Australia.
• 18:07
  Speaker 7: Talk about fertility as early on as I believe we should.
• 18:10
  Speaker 7: Each round of IVF in Australia costs about ten thousand
• 18:14
  Speaker 7: dollars depending on where you're going. Some of it is
• 18:17
  Speaker 7: covered by Medicare, but not all of it, and it
• 18:19
  Speaker 7: really depends on what institution or hospital you go through
• 18:23
  Speaker 7: as to what it costs. And I think my number
• 18:26
  Speaker 7: one tip would be shop around and go to different
• 18:29
  Speaker 7: places and ask them what their fees are, because I
• 18:32
  Speaker 7: have seen it as expensive as seventeen thousand dollars arount
• 18:36
  Speaker 7: and I've seen it as low as like maybe six
• 18:38
  Speaker 7: thousand dollars around depending on the support available if you
• 18:41
  Speaker 7: go to one, no, No, no, All in Australia, All
• 18:44
  Speaker 7: in Australia. But it is really, you know, wild that
• 18:47
  Speaker 7: it's so varied. But if you're in a situation where
• 18:50
  Speaker 7: you're like, you know what, I really want to get pregnant.
• 18:53
  Speaker 7: We just don't have, you know, ten grand per round
• 18:56
  Speaker 7: sitting in our bank account to pay for this. You
• 18:58
  Speaker 7: can actually apply for early access to your super for
• 19:01
  Speaker 7: IVF treatments.
• 19:02
  Speaker 6: Which I think that's really cool.
• 19:04
  Speaker 7: So what happens is you sort it, you go to
• 19:06
  Speaker 7: your Supranuation Fund, and you're actually looking for an early
• 19:10
  Speaker 7: access to superranuation under what they call compassionate grounds. So
• 19:15
  Speaker 7: this would be for things, according to the ATO, that
• 19:18
  Speaker 7: need to meet a certain criteria. Right, so it either
• 19:21
  Speaker 7: needs to be a life threatening illness or injury, an
• 19:24
  Speaker 7: acute or chronic pain, or an acute or chronic mental illness.
• 19:29
  Speaker 7: So thankfully IVF is able to be claimed under the
• 19:32
  Speaker 7: Mental Health Provision because if you can show with the
• 19:35
  Speaker 7: certification of medical practitioners, So basically you go to your
• 19:38
  Speaker 7: GP and get them to sign off on a letter
• 19:40
  Speaker 7: saying yep, we can do it, but you can access
• 19:43
  Speaker 7: it by going to your GP and saying, hey, can
• 19:45
  Speaker 7: you help me access this scheme, and your doctor will
• 19:48
  Speaker 7: write a letter that says you are suffering mentally due
• 19:51
  Speaker 7: to infertility, and then you may be eligible for early
• 19:54
  Speaker 7: release of super.
• 19:55
  Speaker 1: Yeah.
• 19:56
  Speaker 3: Just remember though, you aren't dipping into your super which
• 19:58
  Speaker 3: is actually robbing you later.
• 20:00
  Speaker 6: You've got to remember that, right.
• 20:01
  Speaker 3: If you've got a question, make sure you hit us
• 20:03
  Speaker 3: up on socials. Just search Shees on the Money. But
• 20:05
  Speaker 3: coming up next, Victoria, You're going to give some people
• 20:08
  Speaker 3: some advice how they can keep some money in their bad.
• 20:10
  Speaker 2: I am.
• 20:11
  Speaker 7: I've had a bit of a cop out this week, though,
• 20:13
  Speaker 7: guys have taken it to my socials and my community
• 20:16
  Speaker 7: is going to share their money tips and tricks with
• 20:18
  Speaker 7: you guys, and we're going to read them.
• 20:20
  Speaker 3: Out live on air right across the country for your
• 20:22
  Speaker 3: Saturday morning. It's She's on the Money Radio Show with
• 20:25
  Speaker 3: Australia's number one finance podcast of Victoria Devine, Mitch Jury
• 20:29
  Speaker 3: in the seed as well. It is our favorite segment
• 20:31
  Speaker 3: because it's time to do this.
• 20:34
  Speaker 1: Simple save this Saturday.
• 20:35
  Speaker 6: Yeah.
• 20:35
  Speaker 3: Look, usually each week, Victoria, you give us some sneaky
• 20:39
  Speaker 3: tips on how to keep more bucks in our bank account.
• 20:41
  Speaker 1: But you've alsourced it.
• 20:42
  Speaker 2: I have work smarter, not harder, Trav.
• 20:45
  Speaker 3: She's the Money Radio Show, Mantram.
• 20:47
  Speaker 2: Yeah.
• 20:47
  Speaker 7: Earlier this week I jumped on my socials and said, hey, guys,
• 20:50
  Speaker 7: what are your best money saving hacks? Slide into my
• 20:52
  Speaker 7: dms and let me know and you might find yourself
• 20:54
  Speaker 7: on the show. And that's what a bunch of how
• 20:56
  Speaker 7: shees on the Money community are doing so exciting.
• 20:58
  Speaker 4: I love it because I actually learned here. This is
• 21:00
  Speaker 4: where I get my education on this show in this segment.
• 21:02
  Speaker 7: Oh well, you're bringing a money saving hack to the
• 21:04
  Speaker 7: table this week, too, aren't you.
• 21:06
  Speaker 5: I am Victoria. I beat inflation?
• 21:08
  Speaker 2: How'd you beat inflation? Come on, start us off on?
• 21:11
  Speaker 2: Good for it?
• 21:11
  Speaker 4: I thought, you know what, happy epist et cetera, et cetera.
• 21:15
  Speaker 4: I'm going to treat myself to a new pair of
• 21:17
  Speaker 4: R M Williams boots.
• 21:19
  Speaker 1: Treat yourself, mate.
• 21:20
  Speaker 2: That also sounds like a very expensive purchase.
• 21:22
  Speaker 1: And when did you buy a farm?
• 21:24
  Speaker 2: Yeah?
• 21:24
  Speaker 4: So I went to ARM Williams and I went, I
• 21:26
  Speaker 4: tried on the shoes, I did the whole experience. It's
• 21:29
  Speaker 4: very lux pay for them. Five hundred bucks right for
• 21:31
  Speaker 4: a pair of arms, expensive, brand new, so expensive. And I, god,
• 21:34
  Speaker 4: that's a lot of money. I was arming an ring.
• 21:36
  Speaker 4: Should I do it? Should I buy?
• 21:37
  Speaker 5: Yeah, I'll do it anyway. I get home.
• 21:39
  Speaker 4: But ten days later I get an email from RM
• 21:41
  Speaker 4: Williams and I, oh, I wonder, Oh maybe I left
• 21:44
  Speaker 4: something in the store. No, an update on our pricing.
• 21:47
  Speaker 4: Due to inflation, we have upped our price by one
• 21:50
  Speaker 4: hundred dollars.
• 21:52
  Speaker 2: That's so much money.
• 21:53
  Speaker 4: Ten days after I paid five hundred, they're now six.
• 21:56
  Speaker 5: Baby, I just beat inflation.
• 21:58
  Speaker 2: Cachow wait hold on.
• 21:59
  Speaker 7: So you're trying to claim that you had a money
• 22:02
  Speaker 7: win because a company did something after you bought a
• 22:05
  Speaker 7: pair of shoes.
• 22:06
  Speaker 5: I've been inflation.
• 22:07
  Speaker 3: So what are you trying to say to be able
• 22:08
  Speaker 3: to tell the future when and buy just before they
• 22:11
  Speaker 3: raise their prices.
• 22:12
  Speaker 2: No, no, no, this is my money to Let's go to
• 22:14
  Speaker 2: Chanel Trav. I'm all right, might tell me about we
• 22:18
  Speaker 2: move on from him.
• 22:19
  Speaker 5: That I want to say what he wants.
• 22:20
  Speaker 4: I'm saying, if there's something that you really want to buy,
• 22:22
  Speaker 4: buy it now, because inflation is coming.
• 22:24
  Speaker 7: Absolutely terrible, terrible money tips Trav. Let's turn his mic
• 22:29
  Speaker 7: off and we're going to move to what the she's
• 22:31
  Speaker 7: on the money this week.
• 22:32
  Speaker 1: He's done, he's gone.
• 22:33
  Speaker 2: He's canceled.
• 22:34
  Speaker 6: All right.
• 22:35
  Speaker 2: This one's from Peter m.
• 22:36
  Speaker 7: Peter Em says, a prepaid phone plan is much cheaper than.
• 22:41
  Speaker 5: Yes, I do a prepaid phone plan.
• 22:42
  Speaker 2: Yes, how much cheaper is it?
• 22:44
  Speaker 3: Like?
• 22:44
  Speaker 2: How much money?
• 22:44
  Speaker 4: Sixty five bucks? I get unlimited data and I buy
• 22:47
  Speaker 4: my phone outright. It saves me so much money.
• 22:49
  Speaker 7: I feel like I need to do this. I used
• 22:51
  Speaker 7: to do it, but you can get some really good ones.
• 22:53
  Speaker 7: So he said he has amazed him, and he only
• 22:55
  Speaker 7: pays eighteen dollars a month.
• 22:57
  Speaker 2: Wow, wow, money, we wow your thought of this.
• 23:01
  Speaker 4: I pay sixty, but I do buy my phone outright.
• 23:03
  Speaker 4: So if you go on a payment plan or you
• 23:04
  Speaker 4: buy your phone outright, that's the big upfront cost. But
• 23:07
  Speaker 4: then otherwise you are saving month to month.
• 23:08
  Speaker 3: Now this definitely isn't sponsored, but Boost I think they do.
• 23:12
  Speaker 3: Like unlimited calls and texts and like two hundred and
• 23:14
  Speaker 3: eighty gigs of data for three hundred bucks per year.
• 23:17
  Speaker 6: But for a year for a year.
• 23:18
  Speaker 2: Oh my gosh, that is really cheap.
• 23:20
  Speaker 6: All right.
• 23:21
  Speaker 7: So we've got Patrese. Patrese says rice cookers. You guys
• 23:24
  Speaker 7: keep buying prepackaged rice and it is adding up. Get
• 23:28
  Speaker 7: a cheap rice cooker from Kmart for fourteen dollars and
• 23:31
  Speaker 7: it'll pay itself off over the long term.
• 23:33
  Speaker 5: No, that's a super save a tip.
• 23:35
  Speaker 2: I'm totally into that because I burn expensive No. No,
• 23:39
  Speaker 2: the rice cooker, it's fool proof.
• 23:41
  Speaker 5: It doesn't it can't screw it up.
• 23:42
  Speaker 7: Okay, can't mess it up. Fourteen dollars it Camart. That
• 23:45
  Speaker 7: is from my perspective, a money in. We've got Emmy
• 23:48
  Speaker 7: Emmy says, buy a gift card on the shop back app,
• 23:50
  Speaker 7: and then use the gift card to pay for your
• 23:52
  Speaker 7: groceries with the shop back extension on your browser and
• 23:56
  Speaker 7: you get double shop backed.
• 23:57
  Speaker 2: Oh wow, what a wizard. Chloe has a funny one.
• 24:00
  Speaker 7: She says, get a dirty clothes basket that has a lid.
• 24:04
  Speaker 7: It'll save you money on the vet when your dog
• 24:06
  Speaker 7: wants to eat your socks.
• 24:07
  Speaker 4: Can I just say nothing beats my I beat inflation.
• 24:10
  Speaker 4: Sorry by your gift Now buy what you want.
• 24:12
  Speaker 2: I think that's that's good. We've also got one from Antara.
• 24:15
  Speaker 7: She says, you'll resonate with this because we all love
• 24:17
  Speaker 7: a little bit of cheeky macs. Download the Macs app.
• 24:20
  Speaker 7: We've talked about it before and she said this. Yeah,
• 24:23
  Speaker 7: she said, compare the cost this week, I got my
• 24:25
  Speaker 7: coffee for two dollars.
• 24:26
  Speaker 2: Wow, money win. I feel like those are money wins
• 24:29
  Speaker 2: all round.
• 24:30
  Speaker 3: You know what, if you have a sneaky tip that
• 24:32
  Speaker 3: you've got, hit us up on socials at She's on
• 24:34
  Speaker 3: the money, because I think we should do that more often.
• 24:37
  Speaker 7: Just let out let them tell us yeah, I've got
• 24:39
  Speaker 7: another one if you want another one. Calleen one, She says,
• 24:43
  Speaker 7: I've got a few email addresses so I can keep
• 24:45
  Speaker 7: utilizing the new customer discounts if I haven't used them before.
• 24:49
  Speaker 6: Oh wizard inside of Trading or something.
• 24:52
  Speaker 3: Now doesn't that Just remember to put a reminder to
• 24:54
  Speaker 3: cancel that because I was paying for Audible for eighteen
• 24:56
  Speaker 3: months on whoops.
• 24:58
  Speaker 7: All right, well, you've got to be smart, but I
• 25:00
  Speaker 7: reckon at some point we'll go back to the community
• 25:02
  Speaker 7: for some money tips.
• 25:03
  Speaker 2: Because they're smarter than me.
• 25:04
  Speaker 1: Well, I feel personally attacked until you said smarter than me.
• 25:07
  Speaker 1: Well done. All right, we got to get out of here. Guys.
• 25:08
  Speaker 3: You can catch up with us anytime on socials. Just
• 25:11
  Speaker 3: search cheese on the Money. Mitch, you've got to stick around.
• 25:13
  Speaker 3: Do the Life on Cut radio show next.
• 25:15
  Speaker 5: But I do. I do.
• 25:16
  Speaker 1: Let's go get it.
• 25:17
  Speaker 2: Let's go get us a two dollar macas coffee.
• 25:19
  Speaker 1: Took the words right out of my mouth, baby,