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How a Former Pro Athlete Really Manages Her Money · She's On The Money

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  Speaker 1: My name's Aatasha Bamblet. I'm a proud First Nations woman
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  Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya Niana,
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  Speaker 1: kaka ya Ya bin Ahaka Nian Our gay In Nimbina,
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  Speaker 1: yakarum jar Dominyama, Domaga Ithawakaman, damon Imlan Bomber bang Gadabomba
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  Speaker 1: in and now in wakah ghana on yakram jar Watnadaa. Hello,
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  Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
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  Speaker 1: We thank acknowledge and respect the Abiginal people's land that
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  Speaker 1: we're gathering on today. Take pleasure in all the land
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  Speaker 1: and respect all that you see. She's on the Money
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  Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
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  Speaker 1: knowledge and resources for you to thrive.
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  Speaker 2: She's on the Money. She's on the Money.
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  Speaker 3: Hello, and welcome to She's on the Money, the podcast
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  Speaker 3: that lets you be pervy about other people's money situations
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  Speaker 3: for educational purposes, of course. Welcome back to another one
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  Speaker 3: of our Money Diaries episodes where I get the absolute
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  Speaker 3: pleasure of sitting down and having a chat with one
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  Speaker 3: of our She's on the Money community members all about
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  Speaker 3: their money story. Let's jump straight into it, because this
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  Speaker 3: week I got a message and it sounded exactly like this. Hi,
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  Speaker 3: she's on the money. I used to be a professional
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  Speaker 3: athlete earning twenty thousand dollars a year that was paid
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  Speaker 3: quarterly while juggling part time, study and casual jobs, all
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  Speaker 3: backed by my single income family who took on multiple
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  Speaker 3: mortgages to support my dream. But at the height of
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  Speaker 3: my career, I couldn't afford to send myself to Europe
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  Speaker 3: to compete, and that completely changed the trajectory of my life.
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  Speaker 3: Now I'm a full time instructional designer with a polates
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  Speaker 3: side hustle, a homeowner with a growing share portfolio, and
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  Speaker 3: an above average super I've gone from financial stress to
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  Speaker 3: financial strength. It has been a wild ride. Money Darist,
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  Speaker 3: Welcome to the show.
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  Speaker 2: Hello, thank you for having me.
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  Speaker 3: This is fun. Tell me before we even dive further
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  Speaker 3: into it for ask you to give your money habits
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  Speaker 3: a grade from A through to air. What grade would
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  Speaker 3: you be giving them?
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  Speaker 2: I'm going to go in kind of strong with a
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  Speaker 2: B plus. I think I'm very organized in my finances.
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  Speaker 2: I have a pretty good cash flow system set up
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  Speaker 2: for each payday, which is my favorite thing. Every payday,
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  Speaker 2: everything send itself automatically to where it needs to go.
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  Speaker 2: But I do think there's a bit of room for
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  Speaker 2: me to improve with budgeting on my sort of smaller
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  Speaker 2: day to day expenses. I do succumb to the chiky
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  Speaker 2: impulse by here and there, and I love eating out,
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  Speaker 2: so that can chew down on the old bank balance occasionally.
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  Speaker 2: Give it.
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  Speaker 3: We just girls, and sometimes we do need to eat out.
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  Speaker 3: So I get it.
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  Speaker 2: We do.
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  Speaker 3: I get it. So tell me a little bit more
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  Speaker 3: about your money story. I'm so interested. How do you
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  Speaker 3: become a professional athlete? And what do you mean you
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  Speaker 3: only earned twenty thousand dollars a year.
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  Speaker 2: Yeah, you become a professional athlete completely by accident. You
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  Speaker 2: start when you're a kid, and you love it so
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  Speaker 2: much that you just keep going. And one day you
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  Speaker 2: wake up and you go, oh my goodness, I'm I'm
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  Speaker 2: a professional athlete. This is my job. This is what
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  Speaker 2: I do every day, and this is what I love
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  Speaker 2: and I get to do it and it's incredible and amazing.
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  Speaker 2: Not without some struggles on the way there, though. So
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  Speaker 2: I was just me and my mom growing up. Really,
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  Speaker 2: I'm about to just tell you how absolutely wonderful my
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  Speaker 2: mom is.
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  Speaker 3: Good. I can't wait, I'm stripped in I'm ready. Let
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  Speaker 3: me know about your mom. So things were kind of
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  Speaker 3: tough for us growing up. For me, growing up, I
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  Speaker 3: knew we weren't super wealthy, but my mom did a
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  Speaker 3: really good job of hiding the extent of kind of
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  Speaker 3: what our situation was like from me.
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  Speaker 2: I absolutely never lacked anything that I needed. She made
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  Speaker 2: sure that I had absolutely everything that I could imagine
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  Speaker 2: that I would need. And I got pretty serious about
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  Speaker 2: sport from a young age. Joined my local club when
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  Speaker 2: I was eight, and I was competing at a state
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  Speaker 2: level by nine. So it all happened very quickly.
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  Speaker 3: That's kind of crazy. You were obviously some kind of unicorn,
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  Speaker 3: I like to think. So I also think, so, guys,
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  Speaker 3: I know what sport it is, and sadly, it's a
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  Speaker 3: pretty regular sport. It's not like a shot put or
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  Speaker 3: like something really fancy, like really exciting, but also not
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  Speaker 3: as niche as it could have been.
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  Speaker 2: Yep, just just standard run of the mill, do you
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  Speaker 2: know what.
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  Speaker 3: That's good? That's good. So tell me a bit more
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  Speaker 3: about your mum, who sounds like an absolute legend this
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  Speaker 3: type of sport that you're doing. Obviously, when you're that young,
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  Speaker 3: starting it would require you to have some pretty significant
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  Speaker 3: training as well. And like, sorry, but at the age
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  Speaker 3: of nine, you're not driving yourself to training like your
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  Speaker 3: single income family I'm assuming was driving you to sport.
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  Speaker 2: Yes, absolutely, my mum was early mornings in the sport
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  Speaker 2: that I'm in, so early mornings, late nights to and
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  Speaker 2: from school, from school, training, from training to school, all
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  Speaker 2: that sort of stuff. And you're looking at expenses of
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  Speaker 2: like you know, even from that kind of young age
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  Speaker 2: of nine and competing at that state level, it's competition
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  Speaker 2: entries and expenses, it's equipment, it's nutritious meals to have
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  Speaker 2: a child that's both growing and doing a lot of exercise,
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  Speaker 2: fully fueled and healthy, and all that stuff was starting
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  Speaker 2: to add up. So she was already footing the bill
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  Speaker 2: for all of that from when I was at such
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  Speaker 2: a young age and by the time I'd gotten to twelve,
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  Speaker 2: we were going to national championships, which was you know,
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  Speaker 2: interstate trips and flights and accommodation and all of that
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  Speaker 2: stuff that you can imagine, you know, adds up to
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  Speaker 2: you know, five grand ten grand at a time for
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  Speaker 2: you know, a twelve year old child to pursue their dreams.
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  Speaker 2: So she was absolutely bending over backwards for me to
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  Speaker 2: make all of this work. She was doing multiple jobs,
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  Speaker 2: and you know, part time jobs that fit in around
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  Speaker 2: getting me to training at these absolutely obscure hours and
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  Speaker 2: then getting me off to school on time and being
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  Speaker 2: able to get back to a workplace that was flexible
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  Speaker 2: with that. So she had all kinds of different jobs.
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  Speaker 2: She's absolutely incredible. She can do so many different things,
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  Speaker 2: and she's amazing.
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  Speaker 3: She's a superhero.
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  Speaker 2: I love her. Yeah, she's wonderful.
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  Speaker 3: I love this so much. So tell me a bit
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  Speaker 3: more about your money story. Obviously that stuff adds up
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  Speaker 3: really quickly. And part of this, like I'm assuming this
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  Speaker 3: is when you became an adult. You said, at the
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  Speaker 3: height of my career, I couldn't afford to send myself
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  Speaker 3: to Europe. What was that like, because that sounds heartbreaking.
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  Speaker 2: It was really heartbreaking. I made my first senior level
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  Speaker 2: international team in twenty fifteen. That was a world championship.
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  Speaker 3: Jeez, Louise.
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  Speaker 2: Yeah, it was very cool and exciting to have you know,
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  Speaker 2: kind of your dreams coming through in front of you incredible,
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  Speaker 2: and at that stage that's kind of when things start
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  Speaker 2: getting paid for for you. So that was actually a
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  Speaker 2: little bit of financial relief before we kind of had
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  Speaker 2: a little bit of a bump in the road. The
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  Speaker 2: following year was then the Trials of the Olympics in
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  Speaker 2: twenty sixteen, and because I'd made the team the year before,
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  Speaker 2: it's it's not expected that you're going to make the
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  Speaker 2: next year's team, but you're kind of, you know, in
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  Speaker 2: with a good chance, and the powers that be in
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  Speaker 2: sport are kind of preparing for you to be on
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  Speaker 2: this team, and they're starting to think about uniform sizing
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  Speaker 2: and flights and accommodation and all that sort of stuff
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  Speaker 2: for the potential that you will qualify for this team.
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  Speaker 2: And I got to the trials for that and got
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  Speaker 2: food poisoning the night before.
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  Speaker 3: No, no, what that should be illegal.
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  Speaker 2: It should be illegal, And I was so upset. I
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  Speaker 2: developed a real addiction to I don't know if you've
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  Speaker 2: ever been to tea too. I'm sure you have tummy
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  Speaker 2: tea from T two. Oh my goodness, Oh yeah, yep, yep, yeap.
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  Speaker 2: Best thing.
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  Speaker 3: I love this for you. I mean, I don't love
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  Speaker 3: why you found it though, because that sounds like that's
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  Speaker 3: what then happened.
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  Speaker 2: Yeah, so that meant funding gets cut because of that,
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  Speaker 2: you kind of don't get as many opportunities in the
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  Speaker 2: sport that I'm in.
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  Speaker 3: There, guys, I had gastro leave me alone.
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  Speaker 2: Yeah right, I'm already down.
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  Speaker 3: Don't kick me please, sorry, yeah, sorry, I won't remind you.
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  Speaker 2: So all of our funding in our sport is kind
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  Speaker 2: of based on performance, so if you don't perform, you
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  Speaker 2: don't get cash to help.
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  Speaker 3: Trying to make sense, but I'm mad about it on
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  Speaker 3: your behalf right now.
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  Speaker 2: Yeah, So that was kind of that was the first
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  Speaker 2: spanner in the works, which then led to later in
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  Speaker 2: the years, a lot of the people that I was
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  Speaker 2: training with, my teammates and my friends, had qualified for
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  Speaker 2: either the Olympics or various other international events that were
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  Speaker 2: on later in the year, and so a trip had
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  Speaker 2: been arranged to go to an event. It's kind of
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  Speaker 2: like it's almost like a tour. So you kind of
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  Speaker 2: go overseas to one country in Europe and you compete
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  Speaker 2: there for a few days, and then you travel to
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  Speaker 2: your next country and you compete there for a few days.
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  Speaker 2: We're talking like Monaco, all the great stuff. So it
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  Speaker 2: was a European tour.
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  Speaker 3: That sounds fun though.
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  Speaker 2: It sounds so cool, and I wish I'd gotten to
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  Speaker 2: go on it because it would have been amazing. My
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  Speaker 2: teammates had a fantastic time, and I was very jealous
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  Speaker 2: of all the Instagram So of course my mum and
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  Speaker 2: I couldn't manage to make that work between the two
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  Speaker 2: of us. It was meant to be an eight week trip.
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  Speaker 3: Oh that's so much money. That would have been thousands,
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  Speaker 3: if not tens and tens of thousands of dollars yea, So.
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  Speaker 2: It was absolutely going to break the bank.
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  Speaker 3: Especially you said Monaco, I'm sorry, that is so expensive, right,
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  Speaker 3: it was crazy.
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  Speaker 2: I was like, there's absolutely no way I can do this.
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  Speaker 2: So that unfortunately everyone went without me and I stayed
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  Speaker 2: in Australia. But I can't complain too much because I
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  Speaker 2: did get a really fantastic opportunity to go to the
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  Speaker 2: Australian Institute Sport in Canberra.
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  Speaker 3: Hey, that's cool, but also that's not Monaco.
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  Speaker 2: So it's not Monaco. And it was the middle of July,
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  Speaker 2: so it was Oh, Canberra put it on for you.
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  Speaker 2: It was freezing and you know. I was from Melbourne originally,
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  Speaker 2: so I went up there and everyone went, oh, you're
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  Speaker 2: used to the cold, you're from Melbourne. It's way colder
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  Speaker 2: in Canberra than it is in Melbourne.
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  Speaker 3: Canbra is crispy, very crispy, very fresh. Oh my god. Well,
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  Speaker 3: I like how you're framing this as well, because like, yes,
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  Speaker 3: you missed out, but like I'm a very big believer
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  Speaker 3: that opportunities that are meant for you never missed you,
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  Speaker 3: and the ones that do miss you you weren't meant
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  Speaker 3: to be involved in any way. So like this does
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  Speaker 3: still feel like trash, but like I fear that it
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  Speaker 3: has worked out for the best.
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  Speaker 2: It did. It did absolutely work out for the best,
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  Speaker 2: and I am so grateful. I came to Canberra for
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  Speaker 2: eight weeks and I didn't go back. I've been here
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  Speaker 2: for eight years.
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  Speaker 3: Oh so you leave in Canberra now, so you lack
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  Speaker 3: the crispy.
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  Speaker 2: Yep, So I loved it. Camera's fantastic.
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  Speaker 3: Oh look, I've got no problem with Canberra, but I
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  Speaker 3: have a lot of issue with cold temperatures. I'm from Tasmania,
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  Speaker 3: so I feel like I can empathize with having to
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  Speaker 3: literally defrost your windscreen to be able to drive anywhere.
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  Speaker 3: But it doesn't mean I enjoyed that part of it,
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  Speaker 3: very true.
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  Speaker 2: I also, you know, I could live without the cold.
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  Speaker 2: I'd love to have a beach nearby as well. I
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  Speaker 2: missed the beach very much.
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  Speaker 3: Yeah, that would be good. I feel like Canberans they
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  Speaker 3: miss out on that part because it's not like you
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  Speaker 3: even have a local.
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  Speaker 2: It's true, the nearest one is about two hours away,
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  Speaker 2: which is too far.
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  Speaker 3: No thank you, and you literally have to leave the state.
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  Speaker 2: It's not good, it's not fair.
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  Speaker 3: So all of that happened. You now live in Cambra,
• 11:00
  Speaker 3: But how do you come to live in Camera You
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  Speaker 3: were only meant to be there for a short period
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  Speaker 3: of time.
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  Speaker 2: Yes, so for that very short period of time. I
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  Speaker 2: was very fortunate that everything, everything was covered during that time.
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  Speaker 2: So my meals were covered, my rent was covered, my
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  Speaker 2: training expenses were covered. Absolutely every expense sort of related
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  Speaker 2: to my sport was taken care of for me.
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  Speaker 3: It could convince me to become a professional athlete, like
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  Speaker 3: not gonna lie. Like, if you're going to pay for
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  Speaker 3: literally everything, maybe I do want to do that.
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  Speaker 2: The only trade off is you have to get up
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  Speaker 2: at four o'clock in the morning and you've got to
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  Speaker 2: train for like thirty five hours a week. So just
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  Speaker 2: it's just work. I guess, you know, what kind of
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  Speaker 2: work do you do? You want to do?
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  Speaker 3: It's chaotic in the nicest way possible. But like the
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  Speaker 3: fact that it's it's athletes like, go, I'm tired already
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  Speaker 3: thinking about it, Like I already get out of going
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  Speaker 3: to the gym the three times that I plan to
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  Speaker 3: go each week. And You're like, oh, yeah, I did
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  Speaker 3: thirty five hours and I'm like, I can't even manage
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  Speaker 3: three at this point.
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  Speaker 2: But with kids than a full time job, and I
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  Speaker 2: was at working full time at this time. I was,
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  Speaker 2: you know, I was studying and training and doing odd
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  Speaker 2: jobs and part time work and casual work here and there.
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  Speaker 2: So it's all a balance that.
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  Speaker 3: Is very fair. So tell me about life now, because
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  Speaker 3: you never left you started doing that training. But also
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  Speaker 3: in your letter in you said I'm an instructional designer
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  Speaker 3: and a pilates side hustler. How does that come to
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  Speaker 3: fruition from you know, obviously working as an athlete, being
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  Speaker 3: paid as an athlete, being a full time athlete. Where
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  Speaker 3: were the changes? When did that stop? And what changed.
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  Speaker 2: Yeah. So also the changes are completely by accident. Lots
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  Speaker 2: of complete accidents in my life. I've gotten me where
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  Speaker 2: I've ended up. So it was actually COVID that kind
• 12:44
  Speaker 2: of spurred my kind of change in Koreas. So, of
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  Speaker 2: course twenty sixteen Olympic trials didn't go so well, and
• 12:51
  Speaker 2: then twenty twenty Olympic trials were meant to be in
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  Speaker 2: the middle of twenty twenty, so we obviously all went
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  Speaker 2: into lockdown in March and the Olympics got postponed to
• 13:00
  Speaker 2: T one.
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  Speaker 3: That's crazy.
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  Speaker 2: I was getting to the ripe old age of maybe
• 13:03
  Speaker 2: don't tell people how old I am.
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  Speaker 3: You're getting to the ripe old age of being middle
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  Speaker 3: aged for an athlete.
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  Speaker 2: I was becoming very middle aged for an athlete. So
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  Speaker 2: at that time, when leelin we've got postponed, I kind
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  Speaker 2: of went, you know, I'm ancient in my sport now,
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  Speaker 2: so I think now's a good time to retire. And
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  Speaker 2: one of the companies that I've been working for doing
• 13:24
  Speaker 2: sort of public speaking type work actually had a part
• 13:27
  Speaker 2: time job in their office coming up, and I just
• 13:30
  Speaker 2: hit them up and said, hello, excuse me, can I
• 13:31
  Speaker 2: please have some work and they said, yes, you absolutely can.
• 13:34
  Speaker 2: Here you go.
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  Speaker 3: Oh thank you. That was easier than I thought it
• 13:37
  Speaker 3: would be.
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  Speaker 2: It was so much easier than I have thought it
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  Speaker 2: would be. As well. When I did get that job,
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  Speaker 2: I thought to myself, you know, this will be a
• 13:42
  Speaker 2: great foot in the door one day, and it ended
• 13:44
  Speaker 2: up absolutely being that. So I was very fortunate, especially
• 13:48
  Speaker 2: during that tricky COVID time where work was a challenge
• 13:51
  Speaker 2: for so many of us.
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  Speaker 3: Yeah, and also when you'd contributed so much to your
• 13:55
  Speaker 3: sport as well. I feel like athletes are so hard
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  Speaker 3: done by when they go all right, well, now I
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  Speaker 3: want kind of like a mainstream job, and you kind
• 14:02
  Speaker 3: of have to really start from scratch because you actually
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  Speaker 3: don't have the experience that you need to jump into
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  Speaker 3: a career. But now you're doing it much older because
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  Speaker 3: you've spent all of this time focusing on your sport.
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  Speaker 3: So that's stressful.
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  Speaker 2: It is stressful. And as much as you have so
• 14:17
  Speaker 2: many transferable skills when you're an athlete, you learn so
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  Speaker 2: much about resilience and you know, bouncing back and so
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  Speaker 2: many other useful skills in the workplace, like dedication and
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  Speaker 2: focus and you know, working hard and getting a result
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  Speaker 2: out of it. People say, yeah, but we want three
• 14:32
  Speaker 2: to five years of experience in the business area.
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  Speaker 3: Okay, I've got it on a running track, you know,
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  Speaker 3: like I don't.
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  Speaker 2: Have the what you have. It's all just different. But
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  Speaker 2: that was kind of how I ended up in sort
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  Speaker 2: of well it wasn't an instructional design role then that
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  Speaker 2: was also a complete accident. I have just stayed with
• 14:49
  Speaker 2: the company and rolled into a few different positions over
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  Speaker 2: the time that I've been there, and this is kind
• 14:53
  Speaker 2: of where I've landed, which has also been very fortunate
• 14:57
  Speaker 2: and fantastic. And the plates as well with something where
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  Speaker 2: when I decided to retire, I was like, exercise and
• 15:03
  Speaker 2: movement has been part of my life for the last
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  Speaker 2: you know, ten fifteen years. I can't just give that away.
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  Speaker 2: I'm going to need to have something related to movement
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  Speaker 2: in my life as well. So I threw myself straight
• 15:13
  Speaker 2: into that at the same time, which was convenient when
• 15:15
  Speaker 2: the job was still part time, so I had plenty
• 15:18
  Speaker 2: of time to balance it and kind of have a
• 15:19
  Speaker 2: nice soft transition out of sport into the real world.
• 15:24
  Speaker 3: Yeah, okay, I love it, and as a pilates girl,
• 15:27
  Speaker 3: like I love a good pilates instructor too. They like
• 15:29
  Speaker 3: make or break the class. So I'm glad that you're
• 15:32
  Speaker 3: here for us. Tell me a little bit more about
• 15:35
  Speaker 3: now what you earn. So we know you're an instructional
• 15:38
  Speaker 3: designer and you have a Polarates side hustle. But what
• 15:41
  Speaker 3: kind of income does that bring in?
• 15:42
  Speaker 2: Yeah? So my nine to five as an instructor designer
• 15:46
  Speaker 2: gets me around about one hundred and fifteen thousand dollars
• 15:49
  Speaker 2: each Okay, very nice, which is very comfortable. I feel
• 15:53
  Speaker 2: very grateful to have that coming into my bake account
• 15:56
  Speaker 2: each fortnite.
• 15:57
  Speaker 3: Is that plus or including super?
• 15:59
  Speaker 2: Is there plus? A very comfortable fifteen percent superannuation?
• 16:03
  Speaker 3: Okay, I love this for us. I'm glad I asked,
• 16:06
  Speaker 3: and then talk to me about pilates.
• 16:07
  Speaker 2: Yes, so, in my moonlighting as a pilaratees teacher, I
• 16:10
  Speaker 2: work both as a PYG employee and also as a
• 16:14
  Speaker 2: sole trader across different places, and I'm multiple teaching.
• 16:17
  Speaker 1: Yeah.
• 16:18
  Speaker 2: Fun. We love cel trader financial administration very No, we.
• 16:22
  Speaker 3: Do not, very do not. No, one out of ten
• 16:24
  Speaker 3: cannot recommend. But tell me what kind of income does
• 16:27
  Speaker 3: that bring in each year? That brings in about seven
• 16:29
  Speaker 3: thousand dollars, So it brings me to about one hundred
• 16:32
  Speaker 3: and thirty thousand each year. All up, Hey, that's nice.
• 16:35
  Speaker 3: What type of contribution are you making time wise? Though,
• 16:38
  Speaker 3: because like if your moonlighting as a polaratees instructor, but
• 16:41
  Speaker 3: you're working nine to five? Are we doing this before work?
• 16:43
  Speaker 3: After work? How many days a week are we doing this?
• 16:45
  Speaker 3: I just I need to know the pervy details.
• 16:48
  Speaker 2: Yeah, totally. So, Look, it's a bit tiring. I must say.
• 16:51
  Speaker 2: I teach pilarates three days a week. I teach bar
• 16:54
  Speaker 2: as well. Actually, so it's pilarateis two days a week
• 16:57
  Speaker 2: and bar one day a week or Barret familiar with
• 17:00
  Speaker 2: the Scott Morrison press conference from back in COVID. So yeah,
• 17:05
  Speaker 2: it's around five six seven ish hours a week on
• 17:10
  Speaker 2: top of my sort of regular nine to five, which
• 17:11
  Speaker 2: is that sort of thirty seven and a half hour week?
• 17:14
  Speaker 3: And are you enjoying it? Most importantly, I feel like
• 17:16
  Speaker 3: you said you really wanted to bring like a little
• 17:18
  Speaker 3: bit of movement back into your life, and I feel
• 17:21
  Speaker 3: like that clearly is doing that. But like, do you
• 17:23
  Speaker 3: feel like having a side hustle is a joy or
• 17:27
  Speaker 3: is it a bit of a slog?
• 17:28
  Speaker 2: I think it's both. Honestly, I love it so much.
• 17:31
  Speaker 2: It's so much fun. But sometimes I get to the
• 17:34
  Speaker 2: end of my nine to five day and I just
• 17:36
  Speaker 2: want to go home and fill on the couch and
• 17:38
  Speaker 2: do nothing. But it's such a lovely community. It kind
• 17:42
  Speaker 2: of gives energy. As much as you kind of walk
• 17:44
  Speaker 2: into the studio and you're like, oh, I'm tired, you
• 17:47
  Speaker 2: kind of you know, you can't show your class that
• 17:49
  Speaker 2: you're tired. You have to show them that you're overjoyed
• 17:51
  Speaker 2: to see them and that you're showing up for them,
• 17:53
  Speaker 2: and so it kind.
• 17:54
  Speaker 3: Of see, I knew you were a good pilates instructor.
• 17:56
  Speaker 2: I knew it.
• 17:57
  Speaker 3: I could tell from the tone of your voys.
• 17:59
  Speaker 2: You've got to be there for your community. They come
• 18:01
  Speaker 2: for you, You've got to be there for them. So
• 18:03
  Speaker 2: you've got to kind of almost fake it till you
• 18:05
  Speaker 2: make it. You put the big smile on, you bring
• 18:06
  Speaker 2: the energy, and you feel energized by the end of
• 18:09
  Speaker 2: the class that you're teaching. So I love it.
• 18:11
  Speaker 3: I love that you've kind of like gasled yourself into
• 18:14
  Speaker 3: having a good time. That's how I feel every time
• 18:16
  Speaker 3: I'm like, I don't want to go to pilates. I
• 18:17
  Speaker 3: can't be bothered. And then I turn up and by
• 18:19
  Speaker 3: the end of the class, my instructor has been so
• 18:22
  Speaker 3: positive and like I've moved my body and I feel
• 18:24
  Speaker 3: a million times better, and I'm like, see, I knew
• 18:26
  Speaker 3: I should go, but the motivation wasn't there at the start.
• 18:29
  Speaker 2: That's exactly how it should be. I'd love that for you.
• 18:31
  Speaker 2: That means you found a good studio and a good
• 18:33
  Speaker 2: instructor that works for you.
• 18:34
  Speaker 3: I have not gonna lie. Tell me now, you're a
• 18:38
  Speaker 3: homeowner with a growing share portfolio and an above average
• 18:41
  Speaker 3: super which is very fun. But those are all goals
• 18:44
  Speaker 3: that lots of people are working towards. So tell me
• 18:46
  Speaker 3: what are your current goals? What are you currently working towards?
• 18:49
  Speaker 2: Yeah, so I am a homeowner. My partner and I
• 18:52
  Speaker 2: only just bought our first house about eighteen months ago,
• 18:55
  Speaker 2: so we've just kind of settled in and made changes
• 18:57
  Speaker 2: and ripped out cupboards and put drawers in and all
• 19:00
  Speaker 2: that fun stuff. So where now aiming to be able
• 19:03
  Speaker 2: to buy a second one without having to sell this one,
• 19:07
  Speaker 2: which is quite a lofty goal. Where kind of on
• 19:11
  Speaker 2: track to to be in a position to do that?
• 19:12
  Speaker 2: In about four or five years time, if we keep
• 19:14
  Speaker 2: going how we're going.
• 19:15
  Speaker 3: Yeah, okay, that is very exciting. Are there any other
• 19:18
  Speaker 3: big money goals you're currently working towards?
• 19:21
  Speaker 2: In the back of my mind, I would love to
• 19:22
  Speaker 2: open my own Pilaratei studio, but I am absolutely horrified
• 19:27
  Speaker 2: about doing that. I'm very scared and very nervous about
• 19:30
  Speaker 2: starting my own business, but I would love to do
• 19:33
  Speaker 2: that one day. Possibly.
• 19:34
  Speaker 3: I totally think you could, Like I totally. You're already
• 19:37
  Speaker 3: doing freelance admin. Like that stuff's hard, gal, you are
• 19:42
  Speaker 3: able to manage a full time job and moonlighting as
• 19:44
  Speaker 3: a pilarates and bar instructor.
• 19:46
  Speaker 2: Come on, maybe I'll have to dedicate a bit more
• 19:49
  Speaker 2: structure to that goal instead of having it be lofty.
• 19:51
  Speaker 2: Maybe I need to think about it and put some
• 19:53
  Speaker 2: structure in place for it.
• 19:54
  Speaker 3: But it would be so pretty, and I can tell
• 19:56
  Speaker 3: from your tone of voice and just like how you're
• 19:58
  Speaker 3: presenting yourself, you would be literally perfect. So I'm excited
• 20:02
  Speaker 3: for that. I can see that in your future. Let's
• 20:04
  Speaker 3: go to a really quick break, because after the break,
• 20:06
  Speaker 3: I want to be talking a little bit more about
• 20:08
  Speaker 3: this share portfolio you've been growing and you're above average
• 20:11
  Speaker 3: super so guys don't go anywhere, all right, money dre.
• 20:18
  Speaker 3: So we are back and I get to be so
• 20:20
  Speaker 3: pervy because you're anonymous. And this is my favorite thing
• 20:22
  Speaker 3: in the entire world. Let's talk about investments. Tell me
• 20:25
  Speaker 3: what does this growing share portfolio look like?
• 20:28
  Speaker 2: Yes, so my share portfolio. Actually, you know, I kind
• 20:31
  Speaker 2: of owe the share portfolio entirely to you, Victoria, because
• 20:34
  Speaker 2: I wouldn't even have jumped in if I hadn't started
• 20:36
  Speaker 2: listening to the podcast. Yay.
• 20:38
  Speaker 3: But also I'm sorry, sorry you did the work. I
• 20:40
  Speaker 3: didn't do the work. I just gave you the platform.
• 20:43
  Speaker 3: If you didn't want to do it, you didn't have
• 20:45
  Speaker 3: to do it. But look at the work you did.
• 20:46
  Speaker 2: It's true. But with knowledge comes power, so exactly, it's
• 20:50
  Speaker 2: given me that springboard that I needed. My mum was
• 20:54
  Speaker 2: a very scared shares equals scary and risky and we
• 20:58
  Speaker 2: do not do that coach to investing, which up until
• 21:02
  Speaker 2: I started listening to the podcast, I shared as well,
• 21:05
  Speaker 2: and just of course kind of went I'm no investments,
• 21:08
  Speaker 2: not for me, I don't do that. It was all
• 21:10
  Speaker 2: very Wolf of Wall Street in my head, you know,
• 21:12
  Speaker 2: crazy trading and risk.
• 21:13
  Speaker 3: I look like the Wolf of Wall Street characters actually,
• 21:16
  Speaker 3: so turn out of ten, like not the smart ones.
• 21:19
  Speaker 3: I just would like to look like Margo Robbie, So
• 21:21
  Speaker 3: wouldn't we all? Yeah, so when you talk about Wolf
• 21:24
  Speaker 3: of Wall Street, yeah, I'm in. I'm committed.
• 21:28
  Speaker 2: So there was there was that kind of approach. But
• 21:31
  Speaker 2: since listening to the pod, so I started off with
• 21:34
  Speaker 2: rais and just started with roundups to dip my toe
• 21:36
  Speaker 2: and kind.
• 21:37
  Speaker 3: Of didn't we all though? I feel like even I
• 21:39
  Speaker 3: did that.
• 21:39
  Speaker 2: It's just nice to have something that's not scary, you know,
• 21:43
  Speaker 2: it's kind of it's just a few cents and it's
• 21:44
  Speaker 2: just kind of there, and then you go, oh, actually,
• 21:46
  Speaker 2: I've now there's two hundred and fifty dollars in there,
• 21:48
  Speaker 2: and sixty eight dollars of it isn't money that I
• 21:51
  Speaker 2: put in. It's money that I have earned back. Amazing.
• 21:53
  Speaker 3: Do you know what? Someone sent me a screenshot of
• 21:55
  Speaker 3: their share portfolio the other day and they were like,
• 21:57
  Speaker 3: look at this, I have now reached those little life
• 22:00
  Speaker 3: of their share portfolio. They've like made fifty thousand dollars
• 22:03
  Speaker 3: in dividends. She's like, that's free money. Victoria and I
• 22:06
  Speaker 3: was like, yes, it is.
• 22:07
  Speaker 2: Queen fifty grand in free money. That's amazing, insane, right,
• 22:11
  Speaker 2: I'm very envious. I don't have quite that much maybe
• 22:13
  Speaker 2: one day, oh no.
• 22:14
  Speaker 3: But like you're on the journey, and you know what,
• 22:16
  Speaker 3: she'd been investing a lot longer than all of us
• 22:18
  Speaker 3: time in the game. That's what you need exactly. So
• 22:21
  Speaker 3: tell me a bit more about this. You've graduated from
• 22:23
  Speaker 3: raise to what.
• 22:24
  Speaker 2: Yes, I now have a I have a sustainable ETF
• 22:28
  Speaker 2: portfolio via a managed fund, okay, Queen. Also because I
• 22:32
  Speaker 2: like to have, I like to set and forget, and
• 22:34
  Speaker 2: you know, I have my automatic bank transfer set up.
• 22:36
  Speaker 2: Every fortnight when my pay comes in, my money goes
• 22:38
  Speaker 2: straight into all my allocation of money goes straight into
• 22:42
  Speaker 2: that account. And they're looking after all the investing for me.
• 22:45
  Speaker 2: I don't have to worry about buying or selling anything.
• 22:47
  Speaker 2: I just say, here's my money, Please do what you
• 22:49
  Speaker 2: need to do with it. I'm not planning on take
• 22:51
  Speaker 2: it out for the next you know, thirty or forty
• 22:54
  Speaker 2: years until I'm planning to retire.
• 22:55
  Speaker 3: Yes, I can't.
• 22:57
  Speaker 2: So it's just in there doing its thing. And I
• 22:59
  Speaker 2: start started well. I started with an emergency fund when
• 23:02
  Speaker 2: I was getting my five thousand dollars a year in
• 23:05
  Speaker 2: quarterly installments as an athlete. So each time I got
• 23:08
  Speaker 2: my quarterly installment, I'd just swirl a little bit of
• 23:11
  Speaker 2: it away into an account which was slowly growing and
• 23:14
  Speaker 2: becoming my emergency fund. And then once we got through
• 23:17
  Speaker 2: COVID and I'd had to dip into that for a
• 23:19
  Speaker 2: few bits and pieces during that tricky time, but I
• 23:22
  Speaker 2: had enough that I was like, Okay, I've saved up
• 23:23
  Speaker 2: enough in my emergency fund that I'm comfortable to take
• 23:26
  Speaker 2: out a reasonable sum and pop it into shares. So
• 23:30
  Speaker 2: that was actually kind of how I got started in that.
• 23:33
  Speaker 3: Look at you go. I love that. So now tell
• 23:36
  Speaker 3: me a bit about this above average super, because I'm
• 23:38
  Speaker 3: not going to lie. If you had sat me down
• 23:40
  Speaker 3: and said, look, this person's an ex athlete, they were
• 23:42
  Speaker 3: earning twenty K year, They've sacrificed a lot for their
• 23:45
  Speaker 3: career and their passion. What do you think their super
• 23:49
  Speaker 3: looks like? And I'd be like, look, their super is
• 23:51
  Speaker 3: probably not looking incredible, but you've gotten above average super.
• 23:54
  Speaker 3: How the heck does that happen?
• 23:55
  Speaker 2: Look? I think this is the theme of the podcast
• 23:57
  Speaker 2: for today. A little bit accidental. However, something that I
• 24:01
  Speaker 2: did become very conscious of was consolidating SUPER from all
• 24:05
  Speaker 2: of these casual jobs that I had floating around in
• 24:07
  Speaker 2: various places and from sol trading, and I had SUPER
• 24:10
  Speaker 2: in all these random places, and of course having it
• 24:13
  Speaker 2: separated is not ideal. It's going to do a lot
• 24:17
  Speaker 2: more for you all rolled into one place, so pretty
• 24:19
  Speaker 2: early on I made a very conscientious effort to make
• 24:22
  Speaker 2: sure everything was rolled into one And I'm also very
• 24:25
  Speaker 2: fortunate that I've got that large SUPER contribution coming from
• 24:29
  Speaker 2: my full time job. Yeah, that's nice, which has been
• 24:33
  Speaker 2: very lucky as well, not luck so much. I've worked
• 24:36
  Speaker 2: hard for the job so.
• 24:37
  Speaker 3: Exactly, I didn't even have to correct you. You did
• 24:41
  Speaker 3: it yourself. Good girl.
• 24:43
  Speaker 2: Trying to change mattitude a little bit.
• 24:45
  Speaker 3: And are you planning on contributing more to that above
• 24:48
  Speaker 3: and beyond? Because earlier you told us that you get
• 24:50
  Speaker 3: like fifteen percent superannuation, which is very very exciting, But like,
• 24:54
  Speaker 3: do you do above and beyond in that given you're
• 24:56
  Speaker 3: planning on investing outside of Super as well.
• 24:58
  Speaker 2: I have started doing a little bit extra only recently,
• 25:01
  Speaker 2: and that was because I have recently paid off my
• 25:05
  Speaker 2: hex debt or my help debt. Hexdet shows my age
• 25:08
  Speaker 2: a little bit, doesn't it.
• 25:09
  Speaker 3: It's called help now, I still call it hextet. I've
• 25:13
  Speaker 3: even labeled bloody podcasts hex and people messaged me They're like,
• 25:16
  Speaker 3: what's that and I was like, you are a baby.
• 25:19
  Speaker 2: You're too young.
• 25:19
  Speaker 3: I'm sorry, I'm too old. Should not be on any
• 25:22
  Speaker 3: podcasting platforms.
• 25:24
  Speaker 2: So very funny. Anyway, the hex help student debt that
• 25:28
  Speaker 2: I had has now been paid off. Oh good job,
• 25:31
  Speaker 2: which I'm super excited about.
• 25:33
  Speaker 3: Mine's not even paid off. That's a flex.
• 25:35
  Speaker 2: I should preface I did choose a Bachelor of Arts,
• 25:37
  Speaker 2: which back in the day when I started doing it
• 25:39
  Speaker 2: was quite a bit less expensive than a number of
• 25:41
  Speaker 2: other degrees, so I should mention that I was fortunate
• 25:44
  Speaker 2: in that regard. But I have you been working hard
• 25:47
  Speaker 2: and kind of working my way up the ladder in
• 25:50
  Speaker 2: the place that I work to you know, keep paying
• 25:53
  Speaker 2: that off at a reasonable rate. And it took me
• 25:55
  Speaker 2: about five years all up from graduation to pay it off,
• 25:57
  Speaker 2: so it's not like it was overnight, but very started
• 26:00
  Speaker 2: to pay that off.
• 26:01
  Speaker 3: No, that stuff takes ages, but that is so cool.
• 26:04
  Speaker 2: Congrats, thank you. But it does mean that I had
• 26:07
  Speaker 2: a little bit extra. So I've now the amount that
• 26:09
  Speaker 2: was going into my tax to pay that off. I've
• 26:13
  Speaker 2: now split it in half, and I pay a little
• 26:15
  Speaker 2: bit extra tax just so that at tax time there's
• 26:18
  Speaker 2: something there to pay for various things that come up,
• 26:20
  Speaker 2: as things always do at tax time, and then the
• 26:22
  Speaker 2: other little portion goes into my super.
• 26:24
  Speaker 3: Yeah. No, that's very cool, very cool. I love that
• 26:27
  Speaker 3: for you. So are you investing in any other ways?
• 26:30
  Speaker 2: No, those are my only investments. I haven't had any
• 26:32
  Speaker 2: property or anything like that, so it's it's super and
• 26:34
  Speaker 2: raise and EASIF.
• 26:36
  Speaker 3: Now I'm gonna take a stab in the dark. I
• 26:38
  Speaker 3: don't think you've got any debt, do you?
• 26:40
  Speaker 2: I do not. I do not have any well, other
• 26:41
  Speaker 2: than the mortgage. That's a fairly sizable debt, but that
• 26:43
  Speaker 2: doesn't count in my opinion. I have no other debt.
• 26:46
  Speaker 3: Tell me about this mortgage. What did you purchase from
• 26:49
  Speaker 3: when we're like, give us the juicy details.
• 26:51
  Speaker 2: Yeah, sure, So we purchased a little townhouse. It's a
• 26:55
  Speaker 2: two bedroom, two bathroom or two bedroom, two and a
• 26:57
  Speaker 2: half bathroom. Brother. It's got a little power room sort
• 27:01
  Speaker 2: of toilet downstairs, and then both the bedrooms upstairs are
• 27:04
  Speaker 2: actually on suites, which we are very proud of.
• 27:07
  Speaker 3: That's nice. Well, the guests aren't going to use the
• 27:10
  Speaker 3: upstairs bathroom if they've got a powder room, so unnecessary.
• 27:13
  Speaker 2: Yeah, we love a powder room. I mean, no one's
• 27:15
  Speaker 2: powdering their nose anymore. It's a very funny term to
• 27:17
  Speaker 2: use for But.
• 27:18
  Speaker 3: You know what, it's better than calling it the toilet room,
• 27:21
  Speaker 3: isn't it?
• 27:21
  Speaker 2: Like it sounds fancy. I'm just going to the powder
• 27:24
  Speaker 2: room one moment. I'll just be in the powder room.
• 27:26
  Speaker 2: I'll be right back.
• 27:27
  Speaker 3: It makes you sound rich. You can tell people.
• 27:29
  Speaker 2: Yeah.
• 27:29
  Speaker 3: Sorry, on the weekend, I was cleaning my powder room
• 27:31
  Speaker 3: like that does feel rich.
• 27:32
  Speaker 2: It makes me feel very rich.
• 27:34
  Speaker 3: You've got three toilets in your house, that's a flex.
• 27:36
  Speaker 3: I only had one toilet in my house growing up.
• 27:39
  Speaker 2: It's such a privilege, isn't it having more than one bathroom,
• 27:41
  Speaker 2: especially when I live with a man. And I'm not
• 27:43
  Speaker 2: sure about anybody else who lives with a man, but
• 27:45
  Speaker 2: it's nice to have more than one bathroom when you
• 27:46
  Speaker 2: live with a man.
• 27:47
  Speaker 3: One hundred percent, one hundred percent, I know exactly what
• 27:49
  Speaker 3: you're talking about. In fact, I don't know how I
• 27:51
  Speaker 3: grew up with another Like I had a sister growing
• 27:55
  Speaker 3: up and my mum and my dad and we all
• 27:56
  Speaker 3: shared one bathroom, like, I don't know how one of
• 27:59
  Speaker 3: us did in it and dead if I'm being honest,
• 28:01
  Speaker 3: It's where.
• 28:02
  Speaker 2: Fights start, isn't It's where family fights start in the bathroom.
• 28:04
  Speaker 3: One hundred percent. So now my husband he can go downstairs.
• 28:08
  Speaker 2: That's the plan. Fair.
• 28:10
  Speaker 3: I feel like that's reasonable. So how much did you
• 28:12
  Speaker 3: purchase this house for?
• 28:13
  Speaker 2: And when we purchased it for six hundred and fifteen
• 28:17
  Speaker 2: thousand dollars, we bought it in it was right at
• 28:21
  Speaker 2: the end of twenty twenty three, so we actually settled
• 28:24
  Speaker 2: on the twenty third of December twenty twenty three. Oh,
• 28:27
  Speaker 2: very cool, which was a little bit stressful at a
• 28:30
  Speaker 2: stressful time to be trying to settle.
• 28:32
  Speaker 3: I was about to say, yeah, but merry Christmas. You
• 28:34
  Speaker 3: settled and then got to have Christmas, and you went
• 28:37
  Speaker 3: stressed over Christmas because you'd already done it.
• 28:39
  Speaker 2: Yes, it was very nice to have it off the
• 28:41
  Speaker 2: list of stressful things at Christmas time.
• 28:43
  Speaker 3: And do you know what that property is worth now?
• 28:45
  Speaker 2: It's probably pretty similar at the moment we live in
• 28:48
  Speaker 2: a suburb where there seems to be a house for
• 28:50
  Speaker 2: sale every other day, so we're kind of keeping an
• 28:53
  Speaker 2: eye on the market. I don't think it will have
• 28:55
  Speaker 2: fluctuated too much. We have made some improvement to it
• 28:59
  Speaker 2: well in our humble in and we've added you know,
• 29:00
  Speaker 2: grass and a bit of a nice garden, and we've
• 29:02
  Speaker 2: changed out some things in the kitchen drawers, cupboards, that
• 29:05
  Speaker 2: kind of thing, crim safe. I'm a big fan of
• 29:07
  Speaker 2: crim safe. Oh yes, yes, that makes me feel good. Yes,
• 29:11
  Speaker 2: the crim safe on there. So all that sort of
• 29:12
  Speaker 2: stuff we would hope would bolster its value a little
• 29:15
  Speaker 2: bit more. But we've only been in here for we've
• 29:17
  Speaker 2: been living here for about a year and a half,
• 29:19
  Speaker 2: almost two years, so we kind of haven't haven't kept
• 29:23
  Speaker 2: too much of an eye on sort of where it's going,
• 29:26
  Speaker 2: Like kind of like, let's just sit out on it,
• 29:28
  Speaker 2: make it ours and live in it for a few
• 29:29
  Speaker 2: years and more, come back and revisit. No.
• 29:31
  Speaker 3: I totally get that. I'm just so pervy. I'm like,
• 29:33
  Speaker 3: so do you know if it's worth anymore? Because like
• 29:36
  Speaker 3: on the odd occasion we meet someone and they're like, yeah,
• 29:38
  Speaker 3: got revalued, and it's like worth US squillion dollars now,
• 29:41
  Speaker 3: and you're like, what the heck?
• 29:42
  Speaker 2: Those stories are crazy? I'm so jealous.
• 29:44
  Speaker 3: Well, it'll be you at some point, don't you worry.
• 29:46
  Speaker 3: Don't you worry, So talk to me. I feel like
• 29:49
  Speaker 3: to go to having a full time job with a
• 29:50
  Speaker 3: side hustle. Your homeowner. You've got to share portfolio. You've
• 29:53
  Speaker 3: got very sexy souper. I'm still going to argue with
• 29:55
  Speaker 3: you about you being a bee, but I want to
• 29:57
  Speaker 3: know what do you think your best money habit is.
• 30:00
  Speaker 2: I think the ortomization of absolutely everything related to finance
• 30:04
  Speaker 2: for me is my best money habit. I'm pretty good
• 30:07
  Speaker 2: at record keeping as well. So I get to tax
• 30:09
  Speaker 2: time and I'm not stressed at all because I've been
• 30:11
  Speaker 2: keeping track of that stuff all year long. I'm ready.
• 30:13
  Speaker 2: I love tax time. I'm like, here, I am with
• 30:15
  Speaker 2: my spreadsheet, and I've got all my receipts and I've
• 30:17
  Speaker 2: got everything that I need. Here's my list of income
• 30:19
  Speaker 2: from various places. Here go, mister tax accountant, please sort
• 30:22
  Speaker 2: that out for me.
• 30:23
  Speaker 3: Good job, especially as a side hustler. Good job. That's
• 30:27
  Speaker 3: very stressful. On the flip side, though, what are you
• 30:29
  Speaker 3: maybe not so good at what's your worst money habit.
• 30:32
  Speaker 2: I'm definitely I've got a little bit of an impulse spending,
• 30:36
  Speaker 2: not problem, maybe just a bit of an enthusiasm for
• 30:40
  Speaker 2: a little impulse spend. I have a in Quote Marks
• 30:43
  Speaker 2: emergency credit cards that often gets used for a little
• 30:47
  Speaker 2: bit of extraneous spending towards the end of the pay cycle.
• 30:51
  Speaker 2: It has a twenty percent interest rate on it, though,
• 30:53
  Speaker 2: so I'm always very stressed about getting caught out having
• 30:56
  Speaker 2: to pay back twenty percent interest, so to my own credit,
• 30:59
  Speaker 2: very diligent about paying it off as soon as I
• 31:02
  Speaker 2: get paid.
• 31:02
  Speaker 3: Yeah, yeah, I get that. You're kind of like, this
• 31:05
  Speaker 3: sounded like a good idea until the reality of it
• 31:08
  Speaker 3: reminded me that it's a terrible idea. Yes, yes, I
• 31:11
  Speaker 3: totally get that. Now tell me a little bit more
• 31:13
  Speaker 3: about this B plus, because like, while that's still a
• 31:15
  Speaker 3: good mark, I do feel like you're doing pretty well
• 31:20
  Speaker 3: after having this conversation. Would you change that? If not?
• 31:23
  Speaker 3: What's it going to take to get you to say
• 31:25
  Speaker 3: I think I'm an av Maybe.
• 31:27
  Speaker 2: I could be nice to myself and bump myself up
• 31:30
  Speaker 2: to an a you know, some of that frivolous spending
• 31:33
  Speaker 2: at times is you know, it's not outside of my means.
• 31:36
  Speaker 2: You know, I've taken care of everything with my automation,
• 31:39
  Speaker 2: feel and everything are paid for and it's bringing me joy.
• 31:42
  Speaker 2: It's aligning with my values. So maybe I'm doing okay.
• 31:45
  Speaker 2: Maybe I can give myself an A.
• 31:46
  Speaker 3: Yeah see okay, I feel like that's good. Especially it
• 31:49
  Speaker 3: can be quite confronting when you hear back your own
• 31:51
  Speaker 3: money story and then you have a chat with me
• 31:53
  Speaker 3: and I'm like, hey, yep, that's good. That's not this
• 31:55
  Speaker 3: is this, this is that, And then I'm like, what
• 31:57
  Speaker 3: would it take for you to get to an A.
• 31:59
  Speaker 3: You're like, actually, yeah, I have explained an A situation,
• 32:01
  Speaker 3: haven't I Yeah.
• 32:02
  Speaker 2: It's kind of it's good self reflection. I feel better
• 32:04
  Speaker 2: about myself today.
• 32:05
  Speaker 3: I love that for you. No, good, good, Well, it's
• 32:08
  Speaker 3: been an absolute pleasure. I wish we had so much
• 32:11
  Speaker 3: more time to have more of a yap. I feel
• 32:13
  Speaker 3: like we get on really well. But also like your
• 32:15
  Speaker 3: story is just so interesting. Like also, shout out to
• 32:19
  Speaker 3: your mom. She sounds like an absolute bloody legend.
• 32:21
  Speaker 2: She's amazing.
• 32:22
  Speaker 3: I love her for you, Like I just I wish
• 32:25
  Speaker 3: everybody was as passionate about their parents as you are
• 32:28
  Speaker 3: so Thank you so much for coming on the show.
• 32:31
  Speaker 3: Thank you for sharing your story. I just know that
• 32:33
  Speaker 3: our community is going to have loved listening to this
• 32:35
  Speaker 3: as much as I have loved the privilege of recording it.
• 32:37
  Speaker 2: Thank you so much for having me. It's been an
• 32:39
  Speaker 2: absolute pleasure. I love the podcast so much. That's really
• 32:41
  Speaker 2: fun to be involved.
• 32:42
  Speaker 3: You are so sweet.
• 32:43
  Speaker 2: Thank you.
• 32:50
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• 32:54
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