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Is a Joint Investment Account a Good Idea? And Protecting Your Money From Your Partners Gambling Fallout · She's On The Money

• 0:12
  Speaker 1: Hello, and welcome to She's on the Money, the podcast
• 0:14
  Speaker 1: that makes personal finance fun, especially on Fridays. It is
• 0:18
  Speaker 1: our favorite day of the week because we get our
• 0:20
  Speaker 1: team together to celebrate you. How beautiful She's on the
• 0:23
  Speaker 1: Money community ms Jascarrici, she's here and she's going to
• 0:27
  Speaker 1: be sharing her favorite money wins and confessions from the
• 0:29
  Speaker 1: She's on the Money Facebook group. Miss Bech Sayed is
• 0:32
  Speaker 1: here and she is back with a number of very
• 0:35
  Speaker 1: good broke tips. And this week we're going to be
• 0:38
  Speaker 1: helping to answer a money dilemma, which is about whether
• 0:40
  Speaker 1: opening a joint investment account is a good idea and
• 0:43
  Speaker 1: something that you slid into our dms about how to
• 0:46
  Speaker 1: protect yourself when your partner has a gambling addiction, which
• 0:49
  Speaker 1: I think is a really important one to talk about
• 0:52
  Speaker 1: before we get there. How have your week's been, Miss
• 0:54
  Speaker 1: bechs Sayed.
• 0:55
  Speaker 2: My week has been lovely.
• 0:57
  Speaker 3: I'm back home and I know that a lot of people
• 1:00
  Speaker 3: get like post holiday blues, but I get post holiday
• 1:04
  Speaker 3: elation because.
• 1:06
  Speaker 4: I think that I thank you.
• 1:08
  Speaker 3: It's just like and I don't really have a routine,
• 1:10
  Speaker 3: but I just think like not having to have like
• 1:13
  Speaker 3: dirty clothes in your bag and.
• 1:15
  Speaker 2: Just like things are organized again.
• 1:17
  Speaker 3: Also, being away from my friends for a week is
• 1:20
  Speaker 3: actually really hard. I know it sounds silly, but it
• 1:22
  Speaker 3: is really hard to not see people for that long.
• 1:26
  Speaker 2: It's only a week.
• 1:26
  Speaker 3: I don't know how I go traveling longer, but for context,
• 1:29
  Speaker 3: I just came here from one week holiday in Thailand.
• 1:31
  Speaker 3: I could see myself going back, but not for a
• 1:33
  Speaker 3: long time. I think I need to clean on my
• 1:36
  Speaker 3: clothes and just get organized again.
• 1:37
  Speaker 2: But no, really good week. What about you good?
• 1:40
  Speaker 4: I'm very jealous. I'd love to go to Thailand. It's
• 1:42
  Speaker 4: on my list. But I have been just getting into
• 1:44
  Speaker 4: the Halloween spirits.
• 1:46
  Speaker 1: Yeah why sure, you guys know she's been sending me
• 1:51
  Speaker 1: dms about Halloween purchases.
• 1:54
  Speaker 4: Yes I have. I did start because that's when all
• 1:56
  Speaker 4: the good stuff comes out. You got to get it
• 1:58
  Speaker 4: all so cute.
• 2:00
  Speaker 5: But yes, I like to get, as you guys know,
• 2:02
  Speaker 5: as much mileage out of my celebration.
• 2:03
  Speaker 1: And the second Halloween is done, I believe she puts
• 2:06
  Speaker 1: her Christmas tree.
• 2:06
  Speaker 5: Up absolutely, so we're getting a full month and a
• 2:09
  Speaker 5: half of the Halloween goodness.
• 2:11
  Speaker 1: Yeah no like, no no shade, no judgment. I love
• 2:14
  Speaker 1: this for you. Also, Jess always makes Halloween treats and yes,
• 2:18
  Speaker 1: spooky treat We love you for us forward. Yes, yeah,
• 2:22
  Speaker 1: I mean that's my highlight of the week is knowing
• 2:24
  Speaker 1: that Jess is planning all of her holiday treats. I
• 2:26
  Speaker 1: would like to request those spiders that you made last year.
• 2:29
  Speaker 1: Oh yeah, like the ones with the noodles, the noodle
• 2:31
  Speaker 1: chocolate spider things. They were a ten out of ten.
• 2:34
  Speaker 1: Think you put sprinkles on them, and the sprinkles were
• 2:36
  Speaker 1: very well placed but also very delicious. So yeah, every
• 2:40
  Speaker 1: year literally just does that. Now I can't think about
• 2:42
  Speaker 1: anything except for the fact that she made these awesome
• 2:45
  Speaker 1: chocolates that one time. My week has been chaotic. Honestly,
• 2:50
  Speaker 1: I feel like it's already December. I know it's not.
• 2:52
  Speaker 1: It's September, but like it feels like December at this
• 2:56
  Speaker 1: point in time, and I just I feel like this
• 2:59
  Speaker 1: year's gotten away from me. If you said, oh, yeah,
• 3:01
  Speaker 1: it's March thirty first, and I was a little bit tired,
• 3:03
  Speaker 1: I would not blink yeah, like I'd be like, yeah,
• 3:05
  Speaker 1: of course it is.
• 3:06
  Speaker 4: That's so funny, do you know what I mean? Like
• 3:08
  Speaker 4: gone weird? This year?
• 3:10
  Speaker 1: Time is absolutely flying and that's so good, but like
• 3:13
  Speaker 1: so chaotic and like we're still living at the beach
• 3:16
  Speaker 1: and like driving back up and down, So it's quite
• 3:19
  Speaker 1: quite a lot. But that's not a complaint. So should
• 3:23
  Speaker 1: we do a little five star review before we get
• 3:25
  Speaker 1: into their breake tips and your money wins? Yes, alright,
• 3:28
  Speaker 1: sit down, strap in, because we have one from Megan.
• 3:32
  Speaker 1: Meghan says, I'm an OG listener, but I'm still learning.
• 3:36
  Speaker 1: I've been listening since the first episode was launched, and
• 3:38
  Speaker 1: often refer back to old episodes even after all bes years.
• 3:42
  Speaker 1: Such an easy to understand way of learning about finances,
• 3:45
  Speaker 1: excepting where you are out and creating a plan to
• 3:48
  Speaker 1: move forward. Highly recommend to anyone wanting to make a
• 3:51
  Speaker 1: difference and set themselves up for success. Geez, yes, are
• 3:54
  Speaker 1: so nice, but please don't go back and listen to
• 3:57
  Speaker 1: the old episodes. I'm a changed person in the paris
• 4:00
  Speaker 1: of those episodes.
• 4:02
  Speaker 4: Theres some gems.
• 4:03
  Speaker 1: Yeah, you're nice, but like you weren't on the first season,
• 4:06
  Speaker 1: so you didn't have to go through the like trial
• 4:09
  Speaker 1: by fire of not knowing what the heck you were
• 4:11
  Speaker 1: doing and sitting on the floor with a microphone and
• 4:12
  Speaker 1: a sock. But and like, I just feel like the
• 4:15
  Speaker 1: quality of the first few episodes just isn't what it is. Now.
• 4:20
  Speaker 4: We've grown, you know, and that's good being pe sock.
• 4:22
  Speaker 1: Yeah, we've glowed up.
• 4:24
  Speaker 2: Yeah, that's cool.
• 4:25
  Speaker 1: We're proud of where we've come from.
• 4:26
  Speaker 2: I'm proud of where you've come from.
• 4:28
  Speaker 1: Yeah, I would be too, honestly looking at that journey anyway.
• 4:31
  Speaker 1: With Jessic Gorici, what are your money wins and confessions?
• 4:33
  Speaker 5: Alrighty mostly this week, I've got one from Lauren, who
• 4:37
  Speaker 5: said she put her health insurance into AI and asked
• 4:40
  Speaker 5: it to help her make the most of her cover.
• 4:43
  Speaker 5: It helped her to figure out what appointments she should
• 4:46
  Speaker 5: book to ensure that she's getting the most out of
• 4:48
  Speaker 5: her money for you know, obviously you pay for cover,
• 4:50
  Speaker 5: but people don't always use everything. So she said that
• 4:53
  Speaker 5: it gave her like a really good breakdown of what
• 4:55
  Speaker 5: she should use and what she could do and with
• 4:57
  Speaker 5: all the different things from a premium, I thought it
• 4:59
  Speaker 5: was very clever. Next, I've got a money win from Kristen,
• 5:02
  Speaker 5: who said her twelve year old microwave had a recall
• 5:04
  Speaker 5: on it, so you're getting a brand new one.
• 5:06
  Speaker 2: Oh my god.
• 5:06
  Speaker 1: Cool.
• 5:07
  Speaker 2: Would we love wild after twelve years?
• 5:09
  Speaker 1: Is that crad that's actually insane. I would have thought
• 5:11
  Speaker 1: that it was out of warranty, But if it's a
• 5:13
  Speaker 1: safety issue, I guess they're responsible forever, not just like, oh,
• 5:17
  Speaker 1: it died, which is kind.
• 5:18
  Speaker 4: Of nice to know that. That's makes me nice years
• 5:21
  Speaker 4: to check it it. Next, I've got a.
• 5:23
  Speaker 5: Money win from Jessica, who said she's excellent name scored
• 5:27
  Speaker 5: her fourth too Good to Go surprise bag for Baker's Delight.
• 5:31
  Speaker 5: She said, ten dollars for so many items, and what
• 5:33
  Speaker 5: she's done is she's popped them aside for school lunches.
• 5:36
  Speaker 1: For the week.
• 5:36
  Speaker 4: That's actually sight, which I always genius.
• 5:39
  Speaker 1: I now have an eighteen month old who is absolutely
• 5:42
  Speaker 1: obsessed with the Apple Scrolls Bakers. Yeah, and like it
• 5:47
  Speaker 1: makes sense if I'm at the supermarket or whatever and
• 5:49
  Speaker 1: I'm like, oh, I need to get Harvey like an
• 5:51
  Speaker 1: afternoon snack, and I don't want to like get him
• 5:53
  Speaker 1: a sugary whatever. I feel like an Apple Scrolls mainly
• 5:56
  Speaker 1: bred and like the anyway he flaps his arm. She's
• 6:00
  Speaker 1: so excited, like like as we walk up to Baker's Delight,
• 6:03
  Speaker 1: and it's now become a thing because I buy my
• 6:05
  Speaker 1: like just daily bread. There he like looks at it
• 6:08
  Speaker 1: and flaps his hands, and I'm like, how do I
• 6:10
  Speaker 1: not like, how do you not get in the little scrut? Like, guys,
• 6:13
  Speaker 1: can you please start making mini versions because like an
• 6:16
  Speaker 1: eighteen month old holding this scroll, but he knocks the
• 6:20
  Speaker 1: whole thing off. I don't know how.
• 6:22
  Speaker 2: Oh my god, so excited.
• 6:24
  Speaker 5: Anyway, we love a little bakers size treat absolutely. Next,
• 6:28
  Speaker 5: I've got a money in from Anna, who said a
• 6:29
  Speaker 5: friend of hers is moving out for the first time
• 6:32
  Speaker 5: and they ask for help with budgeting, so she sent
• 6:34
  Speaker 5: them that she's on the money budget, which her and
• 6:36
  Speaker 5: her partner loved. And so now her friend is listening
• 6:38
  Speaker 5: to the audio book she's gotten up based on her
• 6:41
  Speaker 5: suggestion to help with the budget breakdowns, and she's asking
• 6:44
  Speaker 5: how to work out all of the best for the
• 6:45
  Speaker 5: utilities for the new place. And Anna says she loves
• 6:48
  Speaker 5: being able to share what she learned through she's on
• 6:50
  Speaker 5: the money with her friends.
• 6:52
  Speaker 1: Gogea power of women. See I've never met a woman
• 6:55
  Speaker 1: who's been empowered that hasn't then gone on to empower
• 6:58
  Speaker 1: other women.
• 6:59
  Speaker 4: Go forth and the good word.
• 7:03
  Speaker 5: And then lastly, this week, I've got a money win
• 7:05
  Speaker 5: from Sheila, who said she swapped her prepaid plan to
• 7:08
  Speaker 5: Boost and got their one year of data for two
• 7:11
  Speaker 5: hundred and fifty dollars, plus.
• 7:13
  Speaker 4: She got thirty two dollars lush back.
• 7:15
  Speaker 5: Her current prepaid plan is thirty five dollars a month,
• 7:17
  Speaker 5: so she'll save around two hundred bucks a year.
• 7:19
  Speaker 1: That's such a good deal. Yeah, that's a great money win.
• 7:21
  Speaker 4: Yeah, that's it.
• 7:23
  Speaker 1: I love that. When it comes to broke tips, what
• 7:26
  Speaker 1: are you going to put on the table?
• 7:28
  Speaker 3: Well, actually, really quickly, the chat GPT or AI thing
• 7:31
  Speaker 3: reminded me, this isn't a broake tip.
• 7:32
  Speaker 2: This is a free one from back your broke.
• 7:35
  Speaker 1: Tip though, just tip, just tip.
• 7:37
  Speaker 2: My girlfriend uses chatty.
• 7:38
  Speaker 3: I don't use chat gpt for environmental but the way
• 7:41
  Speaker 3: I said, I'm like, if I'm not using it, that
• 7:43
  Speaker 3: frees someone else up to use it. But anyway, I
• 7:45
  Speaker 3: don't know if that's how it works. But my girlfriend
• 7:47
  Speaker 3: uses it to get like meal plans done because she
• 7:49
  Speaker 3: used to pay like eighty bucks a week for a
• 7:51
  Speaker 3: meal plan and.
• 7:51
  Speaker 1: So now she just asks chat geept and they do
• 7:53
  Speaker 1: it also.
• 7:54
  Speaker 3: Smart and then she says, organize this into a shopping
• 7:56
  Speaker 3: list and it does.
• 7:57
  Speaker 1: Stop her crazy. I Actually I love the fact that
• 8:01
  Speaker 1: AI can help us in such a good way. Yeah,
• 8:04
  Speaker 1: I know, there's like a whole host of like environmental
• 8:06
  Speaker 1: conversation to have around this, and on our investing episode. Actually,
• 8:10
  Speaker 1: I did an investing episode a couple of weeks ago.
• 8:13
  Speaker 1: I recorded it with Brooke and we're talking about like
• 8:15
  Speaker 1: shares that we were following, and I was talking about
• 8:18
  Speaker 1: an investment that is essentially creating AI opportunities without the
• 8:23
  Speaker 1: environmental impact, and that would be really exciting. But yeah,
• 8:26
  Speaker 1: I find it so helpful the fact that you could
• 8:28
  Speaker 1: go do like a really fancy meal plan that you
• 8:31
  Speaker 1: were paying so much for before, basically for free. Totally
• 8:34
  Speaker 1: like the idea that we can kind of upgrade and
• 8:37
  Speaker 1: glow up our lives on our own. Oh so good.
• 8:41
  Speaker 3: Yes, Like it takes a bit of that mental load, absolutely,
• 8:43
  Speaker 3: and it's like if it's free, you know, And sorry,
• 8:47
  Speaker 3: women already have so much mental load.
• 8:48
  Speaker 1: Yeah, Like I know that there's environmental impacts, but right
• 8:51
  Speaker 1: now we're just girls and we're just doing what we can.
• 8:54
  Speaker 5: Yeah.
• 8:54
  Speaker 2: Fully, so I think it's great.
• 8:56
  Speaker 3: So as for broke tips, the first one comes from
• 8:59
  Speaker 3: Marie Maurice's Cinemas members can enjoy ten dollar movie tickets
• 9:03
  Speaker 3: at Events Cinema at the Moment, which really reminded me
• 9:06
  Speaker 3: that this week I went to Lido.
• 9:08
  Speaker 1: Or I Love The Leader in Hawthorne. It was like
• 9:11
  Speaker 1: five dollars for a ticket and then vegan. It's made
• 9:14
  Speaker 1: with coconuts, go and salt, and it is so good.
• 9:17
  Speaker 1: Not that I'm vegan anymore, but I feel like I
• 9:20
  Speaker 1: have the responsibility that as a past vegan, I should
• 9:23
  Speaker 1: share all the vegan hacks and tips and tricks. They
• 9:25
  Speaker 1: do a vegan chock top.
• 9:26
  Speaker 4: Yeah, they do Billy Van creamy.
• 9:29
  Speaker 1: Oh my god, I love That's a great day.
• 9:32
  Speaker 2: It's my favorite ice cream shop. And they do a vegan.
• 9:35
  Speaker 1: Chuck top exactly right.
• 9:37
  Speaker 3: They also do ten dollar popcorn and drink, which I
• 9:39
  Speaker 3: feel like is a bargain.
• 9:40
  Speaker 1: Very good. They're very reasonable and very reasonable if you
• 9:43
  Speaker 1: go to The Leader, I believe once a month on
• 9:45
  Speaker 1: a Wednesday, they do comedy.
• 9:47
  Speaker 2: Oh course, so cute, right, and it's a really cool
• 9:49
  Speaker 2: cinema as well.
• 9:50
  Speaker 1: Gabby, who used to work for us, still goes to
• 9:53
  Speaker 1: comedy on like a Wednesday night occasionally, like really cheap
• 9:56
  Speaker 1: tickets because it's like local comedians and just like so cute.
• 10:00
  Speaker 1: That's a very little maybe date night for broke down
• 10:03
  Speaker 1: maybe day night.
• 10:04
  Speaker 2: Thank you.
• 10:05
  Speaker 3: The sex one come from someone named Jess, who also
• 10:08
  Speaker 3: is my girlfriend.
• 10:11
  Speaker 1: We've got a Jess on the show. You had a
• 10:13
  Speaker 1: money win from a Jess. A Jest now who is
• 10:16
  Speaker 1: your girlfriend? Who is going to give her a broad
• 10:18
  Speaker 1: tip because you always steal her stuff?
• 10:21
  Speaker 3: It is so she sent me this reel of this
• 10:24
  Speaker 3: girl who was showing us a Tony chocolatey Aldi version
• 10:27
  Speaker 3: that like four dollars.
• 10:29
  Speaker 2: I think your choco changer.
• 10:31
  Speaker 1: Yes, but isn't it made by the.
• 10:34
  Speaker 2: By Tony stuff? And it's four dollars?
• 10:36
  Speaker 1: That's a money win. I can't remember the last time
• 10:39
  Speaker 1: a chocolate was under five dollars. I know you guys.
• 10:42
  Speaker 1: Isn't it insane the fact that a block of chocolate
• 10:45
  Speaker 1: now has to crack a note to me, that's crazy.
• 10:48
  Speaker 1: Sorry that his eight dollars absolutely not that great crazy
• 10:53
  Speaker 1: but like five and stuff? That to me is insane
• 10:56
  Speaker 1: because I don't buy blocks of chocolate, like that's just
• 11:00
  Speaker 1: not how I'm going to do it, because I will
• 11:01
  Speaker 1: buy the family sized pack of like what are they
• 11:04
  Speaker 1: fun sized caramel like Wallace and smash all them. I'm
• 11:06
  Speaker 1: not going to waste it on a block, like sure, no,
• 11:09
  Speaker 1: that's not my circuit CARAMELI block. But if I'm cooking,
• 11:12
  Speaker 1: I'm like, oh okay, I'll buy like a block of
• 11:14
  Speaker 1: chocolate to spreader off the top of my caramel slice.
• 11:16
  Speaker 4: Well, I use it for a Rockie Road now.
• 11:19
  Speaker 1: For the office, or baking for friends, or baking for family,
• 11:22
  Speaker 1: or even just baking for your mental health is now
• 11:25
  Speaker 1: as much as therapy anyway.
• 11:28
  Speaker 2: So my one my boat tip, it's called Wonky Coffee.
• 11:31
  Speaker 3: I saw like a real on Instagram, and basically their
• 11:35
  Speaker 3: whole purpose is to reduce waste, but they do focus
• 11:37
  Speaker 3: on like coffee, so like espressopods and things like that.
• 11:40
  Speaker 3: So you might find like a box of one hundred
• 11:42
  Speaker 3: and espressopods. It's not super cheap, it's like between sixty
• 11:45
  Speaker 3: five to seventy five dollars, but I know that the
• 11:47
  Speaker 3: espressopods are like they can be up to like one
• 11:49
  Speaker 3: hundred dollars for a one hundred pack.
• 11:51
  Speaker 1: You know that's actually insane to me. Yeah, like the
• 11:53
  Speaker 1: idea that at like and I've never owned an espresso machine.
• 11:57
  Speaker 1: So maybe people who do can correct me. But like
• 11:59
  Speaker 1: when I the maths on it, I was like, this
• 12:01
  Speaker 1: is astronomical. Like I used to have the Audi coffee machine, which,
• 12:04
  Speaker 1: by the way, slaps their coffee amazing, the purple one,
• 12:08
  Speaker 1: the best one. Can't remember what number that is. But
• 12:10
  Speaker 1: then also I like upgraded. I had a Snag one,
• 12:13
  Speaker 1: but then I could buy the Levatza Pods. The Levatza
• 12:16
  Speaker 1: Pods good coffee, but also much cheaper than Espresso. Still
• 12:20
  Speaker 1: like I just yeah, okay, like don't get me wrong,
• 12:23
  Speaker 1: Like could I technically buy it and not be financially
• 12:26
  Speaker 1: impacted that much? Yes, I could. It's not the bloody
• 12:28
  Speaker 1: point though. I hate when things take the piece.
• 12:31
  Speaker 3: I know, Like well, and that's why I guess it's
• 12:34
  Speaker 3: good because it's like, you know, you might get a
• 12:36
  Speaker 3: bag of coffee beans that are just like could have
• 12:38
  Speaker 3: been thrown out. I know, that's kind of like compost
• 12:40
  Speaker 3: it's a bit different, but in Espresso pods, it's a
• 12:43
  Speaker 3: box of one hundred that are just like random ones
• 12:45
  Speaker 3: that have been It's like a lucky dip sort of situation.
• 12:47
  Speaker 3: It's like all the ones that are kind of not
• 12:49
  Speaker 3: going to be used or maybe thrown out or something.
• 12:51
  Speaker 2: They'll kind of like box it up and.
• 12:53
  Speaker 4: Their still in day and stuff.
• 12:54
  Speaker 2: They're yea all good, they're still good. They're just like bonky.
• 12:58
  Speaker 1: I kind of like that. It's like the odd Bunch
• 13:00
  Speaker 1: at the supermarket. People buy from the odd Bunch. I
• 13:04
  Speaker 1: believe Coles and Willies have their own version of like
• 13:07
  Speaker 1: the odd Bunch, But I always buy like my carrots
• 13:11
  Speaker 1: and my lemons and stuff that I'm like, sorry, it
• 13:14
  Speaker 1: doesn't matter if the carrot's wonky, like you're gonna cut
• 13:16
  Speaker 1: it up anyway. And lemons, I'm sorry, lemons are already expensive.
• 13:21
  Speaker 1: I'm gonna buy the odd bunch, like, I don't care
• 13:23
  Speaker 1: if it's got a brown spot on the outside. The
• 13:25
  Speaker 1: only thing I won't buy that has brown spots is bananas.
• 13:30
  Speaker 1: Like sorry, if there's a brown spot on a banana,
• 13:32
  Speaker 1: immediately canceled. That's immediately going too banana bread. Wow.
• 13:35
  Speaker 3: I only eat brown spotted bananas.
• 13:39
  Speaker 4: Ripeness is highly divisive.
• 13:43
  Speaker 1: Eat brown spotted bananas.
• 13:45
  Speaker 2: I like an old old banana.
• 13:50
  Speaker 1: Is almost green criminal. I jess, like, you know, just
• 13:55
  Speaker 1: when you buy the banana, I usually buy them and
• 13:57
  Speaker 1: they've got like the little green tips and then the
• 13:59
  Speaker 1: next day, the second the green has gone, they're edible,
• 14:02
  Speaker 1: and then a few days after that once they start
• 14:04
  Speaker 1: to brown, I'm sorry, that's gone to God. It's actually
• 14:09
  Speaker 1: no longer my responsibility, Like my digestive system says no, Wow,
• 14:14
  Speaker 1: would anything bad happen if I ate it? Absolutely not.
• 14:16
  Speaker 1: I taste so good it gives me the ick. No,
• 14:18
  Speaker 1: it doesn't taste good.
• 14:20
  Speaker 4: Sweeter I would say it's much more banana. I think
• 14:22
  Speaker 4: the riper. It's the more like strap banana.
• 14:25
  Speaker 2: That's a banana.
• 14:26
  Speaker 1: I do have a baby, and at the moment he's
• 14:28
  Speaker 1: not that picky. I know things can change, but at
• 14:31
  Speaker 1: eighteen months old he will take any banana. So he
• 14:34
  Speaker 1: gets the bananas with the brown spots, taking one for
• 14:37
  Speaker 1: the team.
• 14:38
  Speaker 2: You're raising a brown spotted banana kid. I think he'll change.
• 14:44
  Speaker 1: I think he'll become a picky eater like miss jessic Ricci,
• 14:47
  Speaker 1: and we.
• 14:48
  Speaker 2: Can only hope.
• 14:49
  Speaker 1: What else have you got, Beck?
• 14:50
  Speaker 2: Well, that's actually me for today.
• 14:51
  Speaker 1: I love that for us. Let's go to a really
• 14:54
  Speaker 1: quick break because we're going to talk about whether opening
• 14:56
  Speaker 1: a joint investment account is a good idea. On the
• 14:59
  Speaker 1: other side, and something that you slid into our DMS
• 15:01
  Speaker 1: about which I think is a very good conversation to have.
• 15:04
  Speaker 1: How to protect yourself when your partner has a gambling addiction,
• 15:07
  Speaker 1: so guys, don't go anywhere.
• 15:12
  Speaker 4: Welcome back, everybody. Let's take a listen to this week's
• 15:15
  Speaker 4: money dilemma.
• 15:18
  Speaker 6: Hi. There, have you got a money dilemma you just
• 15:21
  Speaker 6: can't solve? The She's on the Money team is here
• 15:23
  Speaker 6: to help. Every week, we tackle your dilemmas, both big
• 15:26
  Speaker 6: and small, to answer your most burning money, career and
• 15:29
  Speaker 6: life questions. To get involved, simply head to our website
• 15:32
  Speaker 6: and leave us a short voice recording and you might
• 15:35
  Speaker 6: just find yourself on the show. Now, let's take a
• 15:37
  Speaker 6: listen to this week's money dilemma.
• 15:41
  Speaker 7: Hi, friends, I'm wanting some advice on investing as a couple.
• 15:45
  Speaker 7: I currently invest on shares us by myself, and we're
• 15:49
  Speaker 7: not really ready to go to a financial advisor just
• 15:52
  Speaker 7: yet to start investing, but we do want to get
• 15:54
  Speaker 7: started on investing in some sort of way. Ideally, we'd
• 15:58
  Speaker 7: like to micro invest, but jointly in both of our names, somehow,
• 16:03
  Speaker 7: almost like a Charesias that we both have access to,
• 16:06
  Speaker 7: like a joint account. I don't know if there's an
• 16:09
  Speaker 7: app like that, or there's some other way that we
• 16:12
  Speaker 7: can do it where we both have access to it.
• 16:14
  Speaker 7: Any advice would be amazing, though, thank you.
• 16:17
  Speaker 5: Ooh yes, I mean I haven't looked into it, so
• 16:21
  Speaker 5: I really don't know if something like that is. My
• 16:24
  Speaker 5: best guess would be I thought that shares had to
• 16:27
  Speaker 5: be held under a singular name. I could be wrong
• 16:30
  Speaker 5: about that. Like, if it was me personally, I would
• 16:32
  Speaker 5: just say, we'll both have accounts. We can invest in
• 16:34
  Speaker 5: the same things if we want them to look exactly
• 16:36
  Speaker 5: the same. If you're saying you want a micro investor,
• 16:38
  Speaker 5: you can turn on your round ups, you know, shazys.
• 16:40
  Speaker 5: There's new minimum investments so you can invest as much
• 16:42
  Speaker 5: or as little as you want. You can use those
• 16:43
  Speaker 5: different features like the roundups that want to invest whatever. Yeah,
• 16:47
  Speaker 5: but yeah, for me, it's it's kind of just not
• 16:49
  Speaker 5: worth a headache. And I don't really know why you
• 16:52
  Speaker 5: would feel the need to have it owned jointly.
• 16:55
  Speaker 1: Well, you can open a joint investment account, but the
• 16:57
  Speaker 1: key thing to know here is how ownership is going
• 17:00
  Speaker 1: to work if things then change down the track, right,
• 17:03
  Speaker 1: So depending on how the account is set up, you
• 17:05
  Speaker 1: and your partner might both remain legally tied to that
• 17:08
  Speaker 1: account if you don't like sell everything down. Even after
• 17:11
  Speaker 1: a breakup. A lot of the time you're not actually
• 17:14
  Speaker 1: able to just drop one person's name off the account
• 17:18
  Speaker 1: and have the other person just continue to own the
• 17:20
  Speaker 1: investment on their own, which can be really frustrating because
• 17:23
  Speaker 1: you're like, well, I don't want to incur capital gains
• 17:25
  Speaker 1: taxes or have to pay a whole heap of money
• 17:27
  Speaker 1: or even sell a good investment just because I went
• 17:29
  Speaker 1: through a breakup. So this means you'd either have to
• 17:32
  Speaker 1: continue owning the investment together or agree to sell it
• 17:35
  Speaker 1: and then split the proceeds. So before jumping in, I'd
• 17:38
  Speaker 1: really look at the account type, then how it's set up,
• 17:42
  Speaker 1: and what that would actually mean if you separated in
• 17:45
  Speaker 1: the future. It honestly might be easier for the future
• 17:47
  Speaker 1: if you did what Jess suggested and just like held
• 17:50
  Speaker 1: separate accounts. Is there anything else do you think you
• 17:52
  Speaker 1: want to add better?
• 17:54
  Speaker 3: I think you've got to handle on it into this spece.
• 17:57
  Speaker 1: You dam god. So I'm excited for this one, but
• 18:02
  Speaker 1: I'm also like not excited in the same way. Oh
• 18:05
  Speaker 1: my god, I'm so happy to do it. I'm like, Okay,
• 18:07
  Speaker 1: we actually need to talk about this because I feel
• 18:09
  Speaker 1: like it's come up a few times in our community recently,
• 18:13
  Speaker 1: whether it's something that you've discovered about your partner or
• 18:15
  Speaker 1: it's something that you've known about, but it's kind of
• 18:17
  Speaker 1: starting to blow out of proportion and impact your life.
• 18:19
  Speaker 1: So here's our DM high she sheeese. On the money,
• 18:22
  Speaker 1: I have a money and life dilemma. I recently found
• 18:25
  Speaker 1: out my husband has been fired from work due to
• 18:27
  Speaker 1: a gambling addiction. This is not the first time he's
• 18:30
  Speaker 1: had this problem, and we are trying to get him
• 18:33
  Speaker 1: the help he needs. However, I'm wanting to protect myself
• 18:36
  Speaker 1: and our house so that he's unable to use it
• 18:38
  Speaker 1: as collateral in the future. What would be the best
• 18:41
  Speaker 1: way to do this? And I'm also wanting to know
• 18:44
  Speaker 1: what the community would do in this situation.
• 18:48
  Speaker 3: I'm curious about how it must be quite significant if
• 18:52
  Speaker 3: he lost his job, because you know, I, for example,
• 18:55
  Speaker 3: like I'll play a multi on sports Bear, but it's
• 18:57
  Speaker 3: like nothing that any employee would have known about.
• 18:59
  Speaker 2: Like I have to have blending.
• 19:01
  Speaker 1: I've heard of it before where people are like gambling
• 19:04
  Speaker 1: addiction isn't something that like, you know, you're placing like
• 19:07
  Speaker 1: a little multi at lunchtime. That's like and that not
• 19:10
  Speaker 1: just something for you. They are tracking like the horses
• 19:13
  Speaker 1: or the dogs or something all day every day day.
• 19:16
  Speaker 1: They're at work and they're placing bets on work computers
• 19:18
  Speaker 1: and they're not doing their hours because they're distracted by something.
• 19:22
  Speaker 1: So it wouldn't have been and like this is just
• 19:24
  Speaker 1: me extrapolating it out. Maybe they're gambling on work stuff.
• 19:27
  Speaker 1: Who knows, there could be six million things, but it's
• 19:29
  Speaker 1: very unlikely that your workplace found out you had a
• 19:31
  Speaker 1: sports bet account and goes, oh, that's not in line
• 19:33
  Speaker 1: with out knows, Yes, that's nothing to do with it.
• 19:36
  Speaker 1: It's more about that would usually impact your role. Okay,
• 19:39
  Speaker 1: that makes so much what you seak off to the
• 19:41
  Speaker 1: bathroom every five minutes to place multi? Do you know
• 19:44
  Speaker 1: what I mean? Like, so they're not firing you because
• 19:46
  Speaker 1: you've got a gambling addiction. They're firing you because you've
• 19:49
  Speaker 1: got your need ability to do your job. Oh my god,
• 19:52
  Speaker 1: totally Okay, so this is the underlying reason would be
• 19:55
  Speaker 1: like cool, it's your gambling addiction. That's what you're doing
• 19:57
  Speaker 1: the bathroom.
• 19:57
  Speaker 3: Yeah, yeah, that's so fair. That is a really really
• 20:00
  Speaker 3: tricky one. And I'm it sounds like you're very supportive,
• 20:03
  Speaker 3: and that is really really nice because addictions, man like
• 20:07
  Speaker 3: it is so like it doesn't make like, you know,
• 20:10
  Speaker 3: I've got a vaping addiction, you know, like I and
• 20:12
  Speaker 3: and if someone says you can't vape, then all I
• 20:14
  Speaker 3: can think about is vaping. But I don't think about
• 20:16
  Speaker 3: it before then, just like when someone says you can't
• 20:18
  Speaker 3: do it or something like that. So it's like your
• 20:20
  Speaker 3: mind just manifests things in so many different ways, and
• 20:22
  Speaker 3: you become addicted to things just for no reason. Like
• 20:26
  Speaker 3: I'm sure he didn't go into this thinking he would
• 20:28
  Speaker 3: be at this point, but it sometimes takes over and
• 20:34
  Speaker 3: and so it's really good that you're supporting him and
• 20:37
  Speaker 3: he's trying to get the help he needs.
• 20:39
  Speaker 1: So it's really lovely because a lot of people would
• 20:41
  Speaker 1: be like, get out of my house. I don't want
• 20:43
  Speaker 1: to have anything to do with.
• 20:44
  Speaker 6: You, I know.
• 20:44
  Speaker 3: And I think that if it's to the point where
• 20:47
  Speaker 3: it's like affecting your like it feels very black and white,
• 20:51
  Speaker 3: like if if someone gambled away your money or your car,
• 20:55
  Speaker 3: or your shared things. It's like the black and white
• 20:58
  Speaker 3: version of that is you're awful, why would you do that?
• 21:01
  Speaker 2: And then the gray area is like.
• 21:04
  Speaker 3: You are really like you don't you probably aren't a
• 21:06
  Speaker 3: bad person, like, but imagine being so you know, like
• 21:10
  Speaker 3: you can't see anything else, Like it kind of takes
• 21:13
  Speaker 3: that part of you away, the part of you that's
• 21:15
  Speaker 3: like I would literally never gamble away my partner's car.
• 21:19
  Speaker 3: It takes that away from you, Like it's like you,
• 21:21
  Speaker 3: it's just it's a it's a beast, it's a monster.
• 21:23
  Speaker 3: It's like uncontrollable. So like an addiction is an addiction,
• 21:26
  Speaker 3: you know. So I'm like, I really feel for this
• 21:27
  Speaker 3: person and the family and our listener. So it's really
• 21:31
  Speaker 3: good that you're getting support. Unfortunately, there does. It does
• 21:34
  Speaker 3: get to a point though, where it's like you love
• 21:36
  Speaker 3: someone so much, but you can't be around it if
• 21:39
  Speaker 3: there's not any.
• 21:40
  Speaker 2: Progress, I really don't.
• 21:42
  Speaker 3: I really don't have any useful advice other than support
• 21:47
  Speaker 3: up until a point, and you know, never shame anyone
• 21:50
  Speaker 3: for what they're going through. But if it gets to
• 21:53
  Speaker 3: a point where it's really negatively impacting you, then I
• 21:56
  Speaker 3: think you should maybe think about removing yourself from the situation.
• 21:59
  Speaker 3: And as heartbreaking as that is, but that's it's not
• 22:02
  Speaker 3: financial anything that doesn't really help.
• 22:04
  Speaker 2: But I think that's what.
• 22:05
  Speaker 1: Addiction is really serious, and it's really heartbreaking, and sometimes
• 22:09
  Speaker 1: you can try all you might and it just not
• 22:13
  Speaker 1: be successful. It blows my mind how much it can
• 22:15
  Speaker 1: impact families, and it just it literally breaks my heart. Jess,
• 22:21
  Speaker 1: what would you do?
• 22:22
  Speaker 4: It's so hard.
• 22:22
  Speaker 5: I want to send lots of love to our listener
• 22:24
  Speaker 5: and to her partner because exactly as you said, Beck,
• 22:26
  Speaker 5: it is such a monster all of its own, and
• 22:30
  Speaker 5: you know the flow on impacts beyond financial. I think
• 22:33
  Speaker 5: gambling is such a slippery slope. We did a really
• 22:35
  Speaker 5: good episode on gambling quite a few years ago now
• 22:37
  Speaker 5: that will link in the irrelevant irrelevant along with some
• 22:40
  Speaker 5: gamblers help resources for anyone who's got someone that they
• 22:44
  Speaker 5: know if yourself maybe need a little bit of help,
• 22:46
  Speaker 5: there's absolutely no shame in that.
• 22:47
  Speaker 4: We'll link to some things that you might find.
• 22:49
  Speaker 1: Useful, no no like, and I guess to context yours
• 22:52
  Speaker 1: that you said before, like you've got a vaping addiction.
• 22:54
  Speaker 1: I have an addictive personality and I am just very lucky.
• 22:59
  Speaker 1: I think to have always known that I've had an
• 23:02
  Speaker 1: addictive personality, and so therefore I've had to say no
• 23:05
  Speaker 1: to a lot of things in life because I'm like, no,
• 23:08
  Speaker 1: I won't try that, because I kind of know that
• 23:11
  Speaker 1: that's a slippery slope for me. Like I know a
• 23:14
  Speaker 1: lot more about my personality than a lot of people do.
• 23:18
  Speaker 1: And no, I didn't try smoking when I was younger
• 23:21
  Speaker 1: because I kind of knew that it would become a thing.
• 23:24
  Speaker 1: Like I was just like, I know the peer pressure
• 23:27
  Speaker 1: is going to get to me, but no, I'm going
• 23:29
  Speaker 1: to say no here because like I just kind of
• 23:31
  Speaker 1: knew that that would become an issue for me. And
• 23:34
  Speaker 1: like I think in every other and addiction can show
• 23:38
  Speaker 1: up obviously very negatively, but I think it can also
• 23:41
  Speaker 1: have a very good impact on your life. If you
• 23:43
  Speaker 1: are the type of person like me where you've got
• 23:45
  Speaker 1: an addictive personality, good luck stopping me from running my businesses.
• 23:49
  Speaker 1: Good luck stopping me When I have an idea or
• 23:51
  Speaker 1: want to do something, ask poor Jess. I'll be like
• 23:53
  Speaker 1: I want to do this, and Jess, we'll be like, no,
• 23:55
  Speaker 1: we're not doing that, and I'd be like, weird, because
• 23:57
  Speaker 1: I'm gonna do it anyway, not something that you're inherently
• 24:02
  Speaker 1: a bad person. It's just something that you really struggle with,
• 24:05
  Speaker 1: and like there's so much research around it. I mean,
• 24:07
  Speaker 1: Roy Morgan did some research that looked at the rate
• 24:10
  Speaker 1: of online sports betting in ages eighteen to twenty four,
• 24:13
  Speaker 1: so still just babies, and it showed that already out
• 24:16
  Speaker 1: of those people, likely one in four would develop a
• 24:19
  Speaker 1: serious gambling problem on a sports betting app. Yeah, it's
• 24:23
  Speaker 1: very common.
• 24:24
  Speaker 5: Yeah, So to answer the question about protecting your assets,
• 24:27
  Speaker 5: I would say you need to seek legal advice because
• 24:29
  Speaker 5: I think it'd be quite complicated when you're married, because
• 24:31
  Speaker 5: that de facto element comes in where even if you
• 24:34
  Speaker 5: were to move the asset out of his name. So
• 24:37
  Speaker 5: my best guess would be you probably need to take
• 24:39
  Speaker 5: him off the title for the property, but not an expert.
• 24:42
  Speaker 4: Definitely speak to someone who is.
• 24:43
  Speaker 1: That's good advice and just to like collaborate with your response.
• 24:47
  Speaker 1: You absolutely can do that. Legally, the problem will be
• 24:50
  Speaker 1: stamp duty, and I'm assuming that if it's a financial issue,
• 24:54
  Speaker 1: we don't have a heap of money to throw at this,
• 24:56
  Speaker 1: and we don't need to pay stamp duty on fifty
• 24:58
  Speaker 1: percent of your property. Yeah, so I've got an answer,
• 25:00
  Speaker 1: but like that great response. Yes, could absolutely do that,
• 25:05
  Speaker 1: but it might be expensive.
• 25:08
  Speaker 5: Yes, which is why I would kind of say, get
• 25:10
  Speaker 5: speak to someone who can kind of look at your
• 25:11
  Speaker 5: situation holistically in advice as best, because I think there
• 25:14
  Speaker 5: are so many exactly except there's tax, there's all of
• 25:17
  Speaker 5: these different things. There are legalities regarding like even if
• 25:20
  Speaker 5: something's not in someone's name, they're still entitled to a
• 25:22
  Speaker 5: portion of it, often under de facto. So I would
• 25:25
  Speaker 5: be seeking like some form of legal counsel. I think,
• 25:28
  Speaker 5: so someone who can look at it and look at
• 25:30
  Speaker 5: the situation give you a recommendation as to what will.
• 25:34
  Speaker 4: Be best to protect the assets.
• 25:36
  Speaker 5: Yeah, I think that Sometimes it's annoying, Like I know
• 25:39
  Speaker 5: that you might not want to front the money, but
• 25:41
  Speaker 5: I think sometimes the best thing you can do is
• 25:43
  Speaker 5: invest in good advice that can.
• 25:45
  Speaker 1: Really see ali you. Yeah, see a lawyer. Absolutely. So
• 25:48
  Speaker 1: you could also change your contract depends how it's been done,
• 25:53
  Speaker 1: but adjusting your title from joint tenants to tenants in common.
• 25:57
  Speaker 1: So instead of being like equal but also equally responsible
• 26:01
  Speaker 1: therefore equally accessible, you would limit it by shares, so
• 26:05
  Speaker 1: your fifty percent would be more protected. That's going to
• 26:08
  Speaker 1: save you a bit because you don't have to pay
• 26:09
  Speaker 1: stamp duty and stuff for that. But the one thing
• 26:11
  Speaker 1: that I would want to do, like if I was
• 26:13
  Speaker 1: really worried and I didn't want to pay stamp duty,
• 26:15
  Speaker 1: I would go and talk to a lawyer about registering
• 26:18
  Speaker 1: a caveat on the property, which means it cannot be used.
• 26:22
  Speaker 1: And this again not legal advice, just what I've seen
• 26:25
  Speaker 1: other people do, and you need to go talk to
• 26:27
  Speaker 1: your own lawyer, but registering a caveat, which is a
• 26:30
  Speaker 1: legal notice that is lodged against the property through your
• 26:33
  Speaker 1: state's land Titles office, and what that does is stops
• 26:38
  Speaker 1: it being sold or used for security without your consent.
• 26:41
  Speaker 1: And so it's not something that usually individuals register. But
• 26:44
  Speaker 1: like right now, I own a property, but because I've
• 26:47
  Speaker 1: got a mortgage, my bank has a caveat over the
• 26:50
  Speaker 1: top of that mortgage. Meaning I can't go sell my
• 26:52
  Speaker 1: property to Beck and then she gives me the cash
• 26:56
  Speaker 1: and I keep it. They've got a caveat that says
• 26:57
  Speaker 1: if this property is sold, that's for me. And also
• 27:00
  Speaker 1: you need my consent to do that, and that means
• 27:03
  Speaker 1: that they're protecting themselves because they've got this massive loan.
• 27:06
  Speaker 1: But you can actually also register a caveatool, which might
• 27:10
  Speaker 1: make you feel a little bit more protected. I would
• 27:13
  Speaker 1: also not have joint finances. Yeah, see how, I'm like, No,
• 27:16
  Speaker 1: it's all personal. Sorry, we don't have joint finances. When
• 27:19
  Speaker 1: we're going through things like this, you need to financially
• 27:22
  Speaker 1: protect yourself and set yourself up securely. You have your
• 27:26
  Speaker 1: own emergency fund, you have your own banking access because
• 27:29
  Speaker 1: otherwise you're both potentially going to be impacted by this
• 27:33
  Speaker 1: even more than you think. And then obviously we will
• 27:36
  Speaker 1: put a whole heap of resources in the show notes.
• 27:39
  Speaker 1: We will put resources to gambling help online, the National
• 27:42
  Speaker 1: Debt Helpline, which we are obsessed with. And I would
• 27:45
  Speaker 1: honestly want to talk to a family lawyer and also
• 27:48
  Speaker 1: a counselor yeah, and go from there.
• 27:50
  Speaker 4: But sending you both lots of love.
• 27:51
  Speaker 5: I think it's really great that you want to support
• 27:53
  Speaker 5: and it's great that you're thinking about protecting and I'm
• 27:55
  Speaker 5: sure that there are lots of options and resources out
• 27:58
  Speaker 5: there that are available to help you.
• 28:00
  Speaker 1: But you about our community also helped, which is obviously
• 28:03
  Speaker 1: my favorite part. Like our community is so beautiful. We
• 28:06
  Speaker 1: asked them first, like we had a few questions. I said,
• 28:09
  Speaker 1: has your partner or someone you loved ever struggled with gambling?
• 28:12
  Speaker 1: And you know what, I'm glad to say that. Seventy
• 28:14
  Speaker 1: seven percent said no, but fourteen percent said yes, a
• 28:18
  Speaker 1: family member, and nine percent said yes, my partner. What
• 28:22
  Speaker 1: would you do in this situation? So forty four percent
• 28:25
  Speaker 1: said legal agreement to protect aussets, twenty four percent said
• 28:28
  Speaker 1: separate finances completely, another twenty four percent said control access
• 28:33
  Speaker 1: to money and credit cards, and eight percent said give
• 28:36
  Speaker 1: them a last chance ultimatum. We obviously then went to
• 28:39
  Speaker 1: the community and said, hey, like, what's your two cents?
• 28:42
  Speaker 1: But I want to just shout out really quickly first
• 28:45
  Speaker 1: how bloody beautiful our community is. Because we got so
• 28:49
  Speaker 1: many messages of support and messages of like, hey, I'm
• 28:53
  Speaker 1: going through that as well. It's really common. And I
• 28:56
  Speaker 1: obviously can't spend the whole episode reading all of those
• 28:58
  Speaker 1: out because whilst if they're not answering the question, so
• 29:02
  Speaker 1: I didn't want to go through them too much, but
• 29:04
  Speaker 1: I'll read out one that I thought hit the nail
• 29:07
  Speaker 1: on the head, she said, sending this listener a hug.
• 29:10
  Speaker 1: They sound like an absolute boss babe, tackling all that
• 29:12
  Speaker 1: life throws at them. Maybe yeap nailing it And then
• 29:16
  Speaker 1: getting into the advice our community. First person said, lock
• 29:21
  Speaker 1: things like your ID and credit report to avoid going
• 29:23
  Speaker 1: on to loans without your knowledge. Another person said, organize
• 29:27
  Speaker 1: a post nup. If he can see that he has
• 29:30
  Speaker 1: a problem, he will be happy to sign. Another person said,
• 29:34
  Speaker 1: I went through drug addiction and wish my partner at
• 29:37
  Speaker 1: the time had taken control of all my money, which
• 29:40
  Speaker 1: is kind of true. But then it also and.
• 29:42
  Speaker 4: Like it puts a burden on the partner.
• 29:44
  Speaker 1: It's not just a burden, it's also like addiction is ugly,
• 29:49
  Speaker 1: Like addiction is, it brings out the worst in people.
• 29:53
  Speaker 1: It does not let you shine. And if you put
• 29:56
  Speaker 1: a caveat over somebody who has an addiction, you're creating
• 30:00
  Speaker 1: even more friction in that relationship. And I'm not saying
• 30:03
  Speaker 1: don't do it, because I think it can be really
• 30:05
  Speaker 1: constructive and obviously in a lot of these situations is
• 30:08
  Speaker 1: for the best. But like, if I have an addiction
• 30:10
  Speaker 1: and you're withholding something from me, Jess, I'm not happy
• 30:14
  Speaker 1: with you, and I'm consistently not happy with you, and
• 30:16
  Speaker 1: we are going to argue about it, and I'm going
• 30:18
  Speaker 1: to beg you for it, and I think that we
• 30:20
  Speaker 1: need to use that option with a little bit of leniency,
• 30:24
  Speaker 1: which is why my first board of call is always
• 30:26
  Speaker 1: protect yourself, have your own funds, have access to your
• 30:29
  Speaker 1: own emergency fund. Next one is a two parter. So
• 30:35
  Speaker 1: someone said this happened to us. I had to take
• 30:37
  Speaker 1: over all our finances and he had no access to
• 30:40
  Speaker 1: it at all, and then said, not even spending money
• 30:43
  Speaker 1: because twenty dollars cash could still be gambled, and ultimately
• 30:46
  Speaker 1: he really appreciated it. Next person said, as much as
• 30:50
  Speaker 1: you love someone, they have to choose to be clean
• 30:53
  Speaker 1: from any kind of addiction for you and for your
• 30:55
  Speaker 1: family's benefit. Another person said, same page as me, caveat
• 30:59
  Speaker 1: your he to stop it being disposed off without your agreement.
• 31:03
  Speaker 1: And the last one I'll share is unfortunately, I'm currently
• 31:05
  Speaker 1: sorting out my own gambling addiction. It is a very
• 31:08
  Speaker 1: messy and slippery slope. So people in our community are
• 31:12
  Speaker 1: going through this. This isn't something that is Oh, that's
• 31:15
  Speaker 1: so uncommon. I only heard of gambling on the end
• 31:18
  Speaker 1: of the you know, the sports bad ads it happens
• 31:21
  Speaker 1: a lot and it's heartbreaking, but like, also good on
• 31:24
  Speaker 1: you for tackling it.
• 31:25
  Speaker 4: Yeah, full it takes a lot of strength.
• 31:27
  Speaker 1: Yeah to me, Like I'm actually going through this right now,
• 31:30
  Speaker 1: and it's a bloody slippery slope.
• 31:32
  Speaker 3: The isolation you might feel if you are in this
• 31:34
  Speaker 3: and you're like you've got an addiction, but then these
• 31:37
  Speaker 3: helplines and stuff exist because there are so many you're
• 31:40
  Speaker 3: not alone and just really quickly. The other thing is
• 31:42
  Speaker 3: that I've been listening to Alan Khar's Easy Way, which
• 31:44
  Speaker 3: is about vaping and smoking, but it's a really good
• 31:46
  Speaker 3: way to make you see what you're doing in a
• 31:49
  Speaker 3: completely different light, because like telling you that it's bad
• 31:51
  Speaker 3: for X y Z reason doesn't actually do anything. It's like, yeah,
• 31:56
  Speaker 3: I know that, you know, but it's like when you
• 31:57
  Speaker 3: when you're like I'm going to keep doing it, but
• 31:59
  Speaker 3: I'm going to slowly seeing it differently.
• 32:01
  Speaker 2: I don't know, maybe that'll be helpful.
• 32:02
  Speaker 3: Bit just like kind of maybe listen to that, which
• 32:04
  Speaker 3: is absolutely not about gambling. Maybe they have a gambling version,
• 32:07
  Speaker 3: but just like change the word vaping or smoking to
• 32:11
  Speaker 3: gambling way while you listen, and maybe that'll be helpful.
• 32:15
  Speaker 2: I don't know, but yeah, oh my love.
• 32:17
  Speaker 1: Yeah yeah, And I think that that is a perfect
• 32:20
  Speaker 1: place to leave at my friends. So we will see
• 32:23
  Speaker 1: you right nearly on Monday for a money diary. But
• 32:25
  Speaker 1: have the best weekend. Bye, guys.
• 32:27
  Speaker 6: Hie did buy shared on She's on the Money is
• 32:36
  Speaker 6: general in nature and does not consider.
• 32:38
  Speaker 1: Your individual circumstances.
• 32:40
  Speaker 6: She's on the Money exists purely for educational purposes and
• 32:43
  Speaker 6: should not be relied upon to make an investment or
• 32:46
  Speaker 6: financial decision.
• 32:47
  Speaker 1: If you do choose to buy a financial.
• 32:49
  Speaker 6: Product, read the PDS TMD and obtain appropriate financial.
• 32:52
  Speaker 1: Advice tailored towards your needs.
• 32:54
  Speaker 6: Victoria Divine and She's on the Money are authorized representatives
• 32:58
  Speaker 6: of Money Shower p T Y L t D A
• 33:01
  Speaker 6: b N three two one six four nine two seven
• 33:04
  Speaker 6: seven zero eight a F S L four five one
• 33:07
  Speaker 6: two eight nine