Latest / The Curve / Polly Markus on Blowouts, Risky Investments & the Rise of Miss Polly’s Kitchen.

Transcript

Polly Markus on Blowouts, Risky Investments & the Rise of Miss Polly’s Kitchen. · The Curve

0:00
I'd love to know, like, your relationship with money and how it's changed.
0:07
Oh, I wonder what we got.
0:09
I always had the mentality that I'm going to earn money and I'm going to spend it.
0:13
Oh, you know, I went insane to pay.
0:16
Woo!
0:17
It was this beautiful big hammock.
0:19
I'm pretty sure I spent the whole paycheck on it.
0:21
And my dad, he wrote me, said, what the fuck is Celine?
0:24
As much as you love someone,
0:26
the things can go wrong.
0:28
Very much got the mindset of,
0:30
I will never, ever rely on a man.
0:32
And don't do stupid shit on Shiseys, like I have.
0:35
And you'll be fine.
0:36
Well, one day, I got a call.
0:39
Hi, Polly.
0:40
And he's like, it's going to be bigger than Tesla.
0:42
It's huge.
0:43
Since that day, it is now with, I'm pretty sure it's...
0:49
Do you know what is very exciting?
0:51
This podcast is empowered and sponsored by the wonderful team at Fresh Start,
0:57
which is by my food bag.
0:59
These are nutritionist approved meals,
1:01
and you have like 20 plus meals to choose from every single week.
1:06
So Fresh Start is something that I feel quite passionate about.
1:10
There's someone who in all honesty really struggles to juggle work and life
1:16
and trying to exercise and eat healthy.
1:19
Fresh Start is such an amazing alternative that is cost effective.
1:23
It's beautiful, whole foods.
1:25
So the one that I've been doing since I've been in New Zealand is five nights,
1:28
which is the highest option.
1:30
That's for four people, which is only $239.99,
1:33
which is $12. New Zealand, a plate.
1:37
I mean, honestly, try to go to New World or Barrow
1:40
and spend that little on quality food.
1:43
Fresh Start have given the Curve community up to $168 off.
1:48
Three weeks if you use the code Curve Weekly.
1:52
So that's 50% off your first delivery and 10% off your second
1:56
and then 10% off your third.
1:58
I mean, sorry, you can't say we don't look after you.
2:01
So if you want to take advantage of that,
2:03
it's Curve Weekly is the code and we'll put a little link in the podcast show notes.
2:07
Oh my goodness.
2:09
I have been looking forward to this podcast for so long.
2:12
And I'm really nervous.
2:14
Why? Why are you nervous?
2:15
It's like your best friend.
2:17
I know. I'm sorry.
2:19
You could interview someone.
2:21
Bring your child to work day.
2:23
And they actually see what you do for a job.
2:25
And it's, yeah, this is what we do.
2:27
Help us set up.
2:29
Okay, I know, I know.
2:31
We try, I'll be honest.
2:33
No, we have polymarkets.
2:35
Okay, I miss polys kitchen.
2:37
You see I'm celebrity chef.
2:39
Yeah, like God.
2:41
Honestly, I feel honored.
2:43
I mean, this is also 2.0.
2:45
We have tried this once before.
2:47
We had a few technicals and then we can pull the podcast out.
2:49
And we had a trial run.
2:51
How long ago was that?
2:53
Like two years ago.
2:55
I actually agree.
2:57
I feel like you, because at the time,
2:59
you weren't full time with Miss polys kitchen.
3:01
And there was kind of a bit of an awkward what you couldn't, couldn't say.
3:05
And you definitely weren't ready to give up real estate at that point.
3:07
No, you're right.
3:09
I feel like I'm trying to do this thing
3:11
and start this business.
3:13
But I'm also really holding on to my ex boyfriend
3:15
that I might want to run back to.
3:17
Do you know what I mean?
3:19
You know, when you broke up with someone, you're like,
3:21
they're in my back.
3:23
I don't want to let go.
3:25
Like, a pretty good change.
3:27
I want to keep you still being here.
3:29
Oh, he looks good now.
3:31
Yeah, so there's a lot that's happened over the last few years.
3:33
You were full time in a completely different job.
3:35
Yeah.
3:37
It wasn't no, you know, Miss poly.
3:39
Pre, Miss poly.
3:41
What was your life like at the time?
3:43
What were you doing for work?
3:45
So pre lockdown,
3:47
I was a full time commercial real estate agent at Bayley's.
3:51
So that basically meant that I was leasing office space.
3:55
And I was there.
3:59
All I could think of this would be my ninth year,
4:01
even though I've sort of on the longest sabbatical,
4:03
non-domain kind.
4:05
Are you still on a sabbatical?
4:06
Oh, you haven't cut the ties with the ex-boyfriend.
4:10
No, but just I've given myself that it's the end of the financial year.
4:12
And then they've said to me like, hey, baby.
4:14
Oh, what's going on?
4:16
Are you coming back to bed or what?
4:18
It's quite good. I just, you know, sometimes I get tenants.
4:20
I refer the deal and I clip the ticket, you know.
4:22
Why are you still holding on?
4:24
I think so.
4:26
So real estate was for me.
4:28
It was I came back from doing the bolts.
4:30
And I started in commercial.
4:32
The only reason I did commercial is because you didn't have to work weekends.
4:34
I'd done real estate before.
4:36
And I don't know what weekend's for.
4:38
It's a party gal.
4:40
To my priorities.
4:42
It was like me with tenants.
4:44
I used to play interclub tenants.
4:46
And then as I got older, every game was on a Sunday morning.
4:48
And I was like, nah, absolutely not.
4:50
So I could have been like Serena Williams.
4:52
He's cut.
4:54
And it was on the way.
4:56
But so real estate.
4:58
So I'd done it straight out of school.
5:00
It's not on a PA sort of side sales.
5:02
Like looking at the sales agent side.
5:04
And then came home.
5:06
I didn't know anything about commercial real estate.
5:08
I didn't know what a yield was.
5:10
I didn't know what.
5:12
I didn't know anything.
5:14
But the fact that you didn't work weekends sounded fad.
5:16
So I did that for years.
5:18
And then in lockdown.
5:20
Obviously no one's looking for an office.
5:22
So it sort of quite quickly changed.
5:24
But I guess for me it was once I learned how to do it.
5:28
It took me two years of earning basically no money.
5:32
I went straight commission from the start.
5:34
So I didn't want to have a base sort of a small base salary that could get you through.
5:38
I thought just put a Bunsen burner under my house.
5:40
And I'll work really hard.
5:42
Did anyone give you that advice?
5:44
I remember Mike Bailey.
5:48
He's an ex-religient.
5:50
He sort of said like you could...
5:52
You know, the sooner you just go commission only, the more you sort of like...
5:56
It changes.
5:58
I need to put food on the table for all my kids.
6:02
And you've literally done that.
6:04
You're now putting the volume up for the weekend.
6:06
So it will make you work really hard.
6:08
So I think it was the best thing.
6:10
At the time I was staying in my family home.
6:14
So I wasn't paying rent.
6:16
So I was sort of 26.
6:18
So it did make a big difference that I could live off.
6:20
Sort of next to nothing for a couple of years.
6:22
But when I finally got it.
6:24
It's a really addictive job.
6:26
Because you don't have a ceiling above your head.
6:28
I could never imagine going to a job now where they said this is your salary.
6:32
And this is what you earn for either.
6:34
Maybe you'll get a bonus, maybe you won't.
6:36
I would never go back to a salary job.
6:38
It's not as motivating.
6:40
If you work hard and you get rewarded for it.
6:44
For people who are a dog with a bone like you and like me.
6:48
To be honest, all of us.
6:50
If someone said the sky's the limit with how much you can earn.
6:52
I'd be like.
6:54
Fob off the social life.
6:56
I would get to the point where I was so addicted to it that I would just be.
6:58
Which itself is unhealthy.
7:00
Yeah, I know.
7:02
But it's also really.
7:04
I think I would find it kind of demotivating to be like.
7:06
This is the amount that I can earn next year.
7:08
This is the amount.
7:10
So then how hard you work has nothing to do with what you're renewing.
7:12
Not.
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And I feel like that.
7:16
And to go back to your site.
7:18
That was a really long-winded web answering the question.
7:20
I was doing it and I was doing well.
7:22
Then I started Miss Polly's Kitchen.
7:24
And after about a year, when that started making money, I then had two incomes.
7:30
One was really good.
7:32
And one was getting good.
7:34
And so to give up.
7:36
It's taken me a long time to just let real estate go.
7:38
Because it was a safety blanket.
7:40
It's a massive part of my identity.
7:42
And I was good at it.
7:44
To then transition to a job where I'm still creating.
7:46
I don't even know what Miss Polly's Kitchen as a job is.
7:49
When people ask me, I'm like.
7:51
But it works.
7:53
But going from something where you measure your success on how much you're earning.
7:57
You turn up every day what you have to do.
7:59
It's very different to now working in a job where.
8:03
I'm still creating what Miss Polly's Kitchen actually is.
8:07
What does that impact and look like?
8:09
Shove it.
8:11
I actually totally understand.
8:13
Hearing you say it like that.
8:15
I fully get it.
8:17
It's something that took you a long time to build.
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And also that's very financially lucrative.
8:21
And just such different skillsets as well.
8:23
Yeah.
8:25
At the end of the day it kind of sails probably crosses both.
8:27
But like, and having like that real.
8:31
Relationship building network quality which you have.
8:33
Yeah.
8:35
But like what would be the thing then that.
8:37
Would make you be like right.
8:39
Okay, Miss Polly's Kitchen is getting my full undivided attention.
8:41
Like what is that trigger for you?
8:43
Is it a certain level of income in Miss Polly's Kitchen?
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Is it a certain milestone?
8:47
Is it will it ever happen?
8:49
Yeah, well I think look.
8:51
At the end of this financial year.
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I will have to sort of severtize.
8:55
So in a month.
8:57
In a month, yeah.
8:59
I have to have that conversation.
9:01
They know it's coming.
9:03
I know it's coming.
9:05
But for me it was like they got to a point where I was working.
9:07
So hard in real estate.
9:09
I would come home.
9:11
I was cooking.
9:13
I was only coming in.
9:15
But I was like, this is horrific.
9:17
Like I am so burnt out.
9:19
But you know, I was, I was like, I can't do this.
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And I'm a perfectionist.
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So when I was feeling like I couldn't do Miss Polly's Kitchen as well as I wanted to.
9:29
Because I didn't have the time.
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I was getting really gutted and sad.
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And like, I'm not doing a good job.
9:35
And so I had a conversation with Mike Bailey.
9:39
And it was when I had my second book deal.
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And he said to me, if I told you I didn't want you to work on Miss Polly's Kitchen anymore,
9:47
how would you feel?
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And I said, I'd be really, really sad.
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And he said, that's your answer.
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He said, then you need to leave Bailey's.
9:55
But he was like, real estate is there.
9:57
Always be there.
9:59
Because sometimes you need someone to give you perspective.
10:03
The same thing happened to me when I was in radio.
10:05
I don't know why I feel emotional about that.
10:07
But it sounds like he really cares about you.
10:09
You have a boss like that is really special.
10:11
Not someone who's like, well, you're here or you're gone.
10:13
You know, like not someone that's just thinking
10:15
about themselves and their own business.
10:17
Because they could pay you more.
10:19
They could give you more commission.
10:21
You'd probably stick around for another six months.
10:23
But if the end of the day, your passion is Miss Polly's Kitchen.
10:25
There's only so much you can pay someone to incentivize them to stay.
10:27
And I think as well in this whole world of social media,
10:29
which I'm still very much navigating every day.
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I need to make, hey, you know, right now,
10:35
while I'm, while it's, I think I'm current.
10:37
But while I'm current and while Instagram is, is flying
10:41
in all of those things, like make it work.
10:45
Because it might not be like that in 10 years.
10:47
So then real estate, which has always been great,
10:49
will be there.
10:51
You know, so I, I feel like I'm at the stage where
10:53
also I've always loved the corporate world.
10:55
I love.
10:57
It's interesting to say, obviously.
10:59
But I love working with men.
11:01
I think I've, you know, commercial I was pretty much in our team.
11:03
I was the only girl for a long time.
11:05
We dealt with landlords.
11:06
Apparently they're all men.
11:07
And I found that the team environment I was in.
11:10
I love the fact that it's matter of fact.
11:13
It's you call a spade a spade.
11:14
There's no bullshit.
11:15
If you make a mistake, someone will tell you
11:18
and they move on.
11:19
No one's dwelling about it.
11:20
There's no.
11:21
And I remember there was a different part of the business
11:23
that was more female dominated.
11:25
And I remember going to lunch with one of the girls
11:27
and she was talking about like something like the bitchiness
11:29
or she felt like a boss.
11:31
And I remember thinking like, God, I don't miss that.
11:34
And I'm not saying that these are right or wrong.
11:37
But I think for me, I really thrived.
11:39
And I had a different perspective to all the men.
11:41
So in a team, I was like the standout.
11:45
I was the female.
11:46
So it was great.
11:47
And I really played that to my advantage.
11:49
And now that I haven't been there for about a year and a half.
11:52
I think the thought of going back into the corporate world
11:55
for the first time really scares me because I'm like, oh.
11:58
My life has changed.
12:00
And I've changed, probably, and I've evolved.
12:02
And so maybe they're thought of going out for all these long
12:05
boozy lunches and things.
12:06
And what it used to be like, that doesn't,
12:09
it just doesn't feel like my emote at the moment.
12:12
And so it wouldn't feel right going back
12:15
and sort of doing that.
12:17
So I guess Ms. Polis Kitchen does feel right for now.
12:21
How does it feel like I guess you kind of had an element of it?
12:24
But like the unpredictability of what income is going to come
12:28
in the next week or the next month.
12:30
And you kind of had that with commercial real estate
12:32
to an extent.
12:33
But like, that's the scary thing for a lot of people
12:36
when you're self-employed.
12:37
Or you're going from being employed to self-employed
12:39
is, oh my goodness.
12:41
I'm the master of my own destiny here.
12:43
I also think further today is there's a real misconception around
12:47
like influencer money and a being easer.
12:50
Yeah.
12:51
And sorry to use the word influencer, but it's, you know,
12:54
essentially being a content creator,
12:56
whatever you want to say.
12:57
I mean, technically, I guess with...
12:58
You do a few posts when you get paid for it.
13:00
It's like, no, no, they don't see the behind the scenes.
13:02
But you also don't have the same level of control
13:05
that you did in real estate.
13:06
No, you work hard, you get.
13:07
So you can just shed some light on that.
13:09
It's really hard like, there is times where I will, you know,
13:13
and with food, you know, you create a recipe for a brand
13:17
and in your head, you know, it's going to be like,
13:19
I've cooked it before, you know, you test cook it
13:21
and then you're filming it.
13:22
And I can sometimes, what in my head I'll be like,
13:25
I could pump out three different things today or two.
13:28
I will still be there at three o'clock in the afternoon
13:30
lying on the floor trying to photograph it.
13:32
And for the life of me, it's not working.
13:34
And I basically have to throw it in the bin and re-shoot it.
13:37
And it's probably also part of the creativity side of it,
13:40
which I struggle with because I am creative
13:43
and I'm creative with food, but I'm not, you know,
13:46
we're all the hats, but, you know, as this influences
13:49
you're merging the videos, you're being the photographer,
13:51
you're being the food stylist, where it's like,
13:53
then you're being the talent.
13:55
And so it's like, you're trying to do all of these things
13:57
and sometimes you're not good at all of them.
13:58
So it can be really challenging.
14:00
And I think you have to, you know, there is brands that,
14:04
of course you do work with, well, I work with that,
14:07
that can't pay as much as another person,
14:09
but if I love what they do and I love their brand and I love their food,
14:12
you know, your prices are sort of, you know, they can vary.
14:15
I've always, you know, for every ad you see,
14:18
there is a lot that you say not who.
14:20
And I think it's important for people to know that
14:23
because it's funny.
14:25
People sometimes will say, oh, she's doing a lot of ads
14:27
and you think, well, that's my girl.
14:29
You're also getting a lot of free recipes and content
14:32
on Instagram.
14:33
So I remember when a friend said that to me,
14:36
who works, does a lot of, you know, and I thought,
14:39
you're right.
14:40
Like you are getting free recipes every single week.
14:44
And if I'm doing an ad here on there,
14:46
that's my business, that's me, that's,
14:48
and I'm supporting a business that I believe in and a product,
14:51
like with food and anything that I, you know,
14:54
I'm using, it's because I will eat it and I like it.
14:58
And it's also like the ads allow you to keep doing the free content.
15:01
Yeah.
15:02
You know, like it's the same with podcasting.
15:03
Like our ads allow us to do this so that everyone can listen for free
15:06
and learn and be educated.
15:09
And it's use might not like the ad in the podcast
15:12
and you might want to skip through it or like,
15:14
but it's, it's, it's kind of comes with the territory.
15:17
I don't know.
15:18
But yeah.
15:19
I think people don't understand that.
15:20
And I think when they hear, you know,
15:21
when people start to hear it, it's like,
15:22
oh, yeah, you're right.
15:23
Yeah.
15:24
But I think Netflix is introducing ads.
15:26
I'm like, hell no.
15:27
I'm like, absolutely not.
15:28
I pay for this here.
15:29
Like it's about, yeah, that's a bit different.
15:31
But how would you, just on what you said about, you know,
15:35
taking some jobs and not taking others and stuff like,
15:37
how do you navigate brands or partners?
15:42
That pretty much devalue what you do.
15:45
How do you navigate that?
15:47
Like say you got a deal, one deal for,
15:49
I don't know, let's make up numbers 5,000
15:50
and the other for like 500.
15:52
And like, how do you have those conversations
15:54
or know what to charge yourself at out at,
15:56
especially like the bigger you get?
15:58
Yeah.
15:59
Well, I still don't have a manager
16:00
because when I first started,
16:02
I thought if I can't negotiate a contract
16:04
as a real estate agent,
16:05
there is something wrong with me.
16:06
But I am at the stage where it's like,
16:08
it would be helpful to, you know,
16:10
to have someone because I'm just always on my,
16:12
to bounce ideas off at least.
16:14
But I think you sort of get a gauge
16:16
from talking to people in the market,
16:18
what some people charge and what, you know,
16:21
what is the sort of going right for certain things.
16:24
I, you know, obviously,
16:26
the bigger the international brand,
16:28
they're probably always going to have more budget
16:30
than the local smaller brand.
16:32
So I think it really comes down to working out how you can still,
16:37
if you really like someone that doesn't have a lot of budget,
16:40
how do you incorporate that into still being able to talk
16:44
about them because you really like their product
16:46
without necessarily just devaluing or, you know,
16:49
I think there are ways around it.
16:51
But it is hard and I think there are times
16:54
where I've had, you know,
16:56
there's been a bit of money on the table
16:58
and I just thought I wouldn't, like,
16:59
I would love to be able to say yes to this product
17:01
but I don't need it.
17:02
And if I said a posting about that,
17:03
people would be like, you're so loud.
17:06
There's such a fine line.
17:08
And that's the same for us.
17:10
Like, we're pretty brutal with the brands that we do
17:12
and don't work with.
17:13
And I think it's just because I think the role of an influencer,
17:17
what people think of an influencer has changed so much.
17:20
What used to be just like beautiful photos has turned into,
17:24
it's your whole personality,
17:26
you give everything to your brand
17:28
and you definitely do that through your videos
17:30
and through everything that you do.
17:32
It's not just as simple as like, here's my recipe.
17:34
Polly as a person as well.
17:36
And I think for us, podcasting,
17:38
it's such an intimate form of media, right?
17:40
It's not just our faces.
17:42
It's actually who we are.
17:44
And so if you were jumping from Nespresso to Nescafe,
17:48
your audience is also like,
17:50
that's really disingenuous.
17:52
So you have to really navigate like,
17:54
what is true to me as a person and as a brand?
17:57
Because also that's what translates
17:59
to being successful for a brand you work with
18:01
because you also want people
18:03
to then want to work with you again.
18:05
And your audience or people that follow you
18:07
aren't going to go and buy Tabasco
18:09
if you're always talking about something
18:11
that's a complete competitor.
18:13
It's a fine balance.
18:15
I'd love to know like your relationship with money
18:17
and how it's changed.
18:19
I wonder what we got.
18:23
And like there's like the reason I'm bringing this up
18:25
is that you've spoken about two jobs
18:27
that you had like briefly you mentioned the yachts.
18:29
Which for anyone that doesn't know
18:31
is working on super yachts
18:33
for like billionaires you know
18:35
and you get tips that I'd be a change
18:37
for them but it's sometimes 50 grand you know
18:39
and then you've worked in real estate
18:41
where you know there is no ceiling
18:43
with how much you can earn.
18:45
And obviously you've shifted
18:47
to Miss Polly's kitchen which is now
18:49
you're not just your passion product
18:51
it's also of course your livelihood
18:53
but that is a work in progress
18:55
you're building a business.
18:57
How has your relationship to money changed
18:59
from two very high-paying jobs
19:01
where you had a lot of disposable income
19:03
to where you are now?
19:05
Has it had to change at all or not?
19:07
Like I mean I must admit
19:09
I came round to the weekend and saw your wardrobe
19:11
I don't think it's changed much in terms of
19:13
I thought I'm like looking at the lifestyle
19:15
creeper still creeping
19:19
I'm gonna say I hate she's doing business
19:21
advisor that started the year
19:23
and he said the main thing
19:25
you need to sort it is your financial health
19:27
your money habits I think yes
19:29
you're right.
19:31
When I did the boat I always had the mentality
19:33
that it was meant to be for six months
19:35
so I was like I'm gonna earn money
19:37
and I'm gonna spend it
19:39
like a mad woman
19:41
because this is so cool I'm loving half
19:43
across the world and I don't have one thing
19:45
to pay for so yes there's smart people
19:47
that save their money and come home and buy a house
19:49
and then there's Polly who was like
19:51
I want to go to the best hotel
19:53
and I'm gonna blow my money
19:55
like how fast can we spend it
19:57
so I'm gonna wish it non-union
19:59
I just feel like you would have been this
20:01
like erratic kind of like
20:03
it was not
20:05
what was the most outrageous thing you bought during that time
20:07
where you just look back and you're like wow
20:09
just like I remember the first time
20:11
I actually got my first paycheck
20:13
and I'd been living with my dad
20:15
until he got all my mail
20:17
and I was still getting paid into my New Zealand account
20:19
and I went into Celine
20:21
still as now but I walked in there
20:23
I think it the bear
20:25
I want to say it was like
20:27
it was this beautiful big hand
20:29
it was huge and I just got my first paycheck
20:31
I'm pretty sure I spent the whole paycheck on it
20:33
maybe it was like two and a half thousand euros
20:35
I walked down, bought it
20:37
I've never bought anything to sign in my life
20:39
like this is insane
20:41
I still have 24 and I walked out
20:45
because you didn't have any
20:47
bit like I didn't pay for food
20:49
and then walked out
20:51
a couple of weeks later my credit card
20:53
statement got sent home
20:55
my dad just got off my mail and scanned it to me
20:57
and he never swore
20:59
and he rang me and said
21:01
hi darling how you going I said yes
21:03
I'm good and who's really English
21:05
he said oh what have you been doing
21:07
and I said oh you know
21:09
we're insane to pay
21:11
yeah and I said that
21:13
the owners are amazing and he said yes
21:15
he said Polly you might be working for
21:17
you know he said Salini
21:19
Salini and I was like oh yeah
21:21
about a bag
21:23
and so I was like whoa
21:25
I can't much trouble
21:27
I've become to me now how have you been
21:29
and like what the fuck is Salini
21:31
I was like I was like I was always
21:33
wearing New Zealand dollars' health
21:35
but then but we just used to stay in like
21:37
outrageous hotels and you just
21:39
I just didn't think about money it was just
21:41
like it was really fun and then coming up
21:43
I mean I did save a bit of money
21:45
I was on a tip bot
21:47
I was on a charter boat so I was
21:49
privately owned we had two decent tips
21:51
because our boss was on for a long period of time
21:53
towards the end yeah and I guess
21:55
as a cruise ship you get paid pretty well
21:57
it was the best spot like I wouldn't have stayed for three
21:59
as if I didn't like it
22:01
but I did come home with a little bit of savings
22:03
unfortunately when I came home
22:05
my dad then passed away so I took
22:07
I think I took six months
22:09
off doing anything
22:11
like working and then I sort of
22:13
ate through that money
22:15
and then with real estate
22:17
it was interesting the other day
22:19
I actually was going through my financial
22:21
statements of my hearing things
22:23
and I looked at one of the years
22:25
where I earned the most money
22:27
I've ever earned in my life
22:29
and it was from real estate
22:31
Miss Poly's Kitchen combined
22:33
and I thought to myself
22:35
when I was earning that money
22:37
I don't even really think I felt
22:39
that different I didn't say
22:41
that I wanted to do and I traveled
22:43
and all of these things but I don't know
22:45
if you enjoyed
22:47
if I realized probably at the time
22:49
because I was younger and a little bit more naive
22:51
you know how stupid I was
22:53
that I didn't do certain things
22:55
and you know I've got a house
22:57
and I'm really fortunate for that
22:59
and I've done work to the house
23:01
and so I do have to obviously give myself a bit of credit there
23:03
but yeah and so
23:05
my money house it's like I've
23:07
grown up in an environment
23:09
with my dad we were really
23:11
growing up we were really fortunate
23:13
but I also you know I come from a split family
23:17
I've very much got the mindset
23:19
of I will never ever ever rely
23:21
on a man and I think
23:23
sometimes it's to my own detriment
23:25
because I'm not vulnerable and I don't let my guard down
23:27
and I'm not good at sort of asking
23:29
for help I think you know it's like
23:31
I always want to be financially secure
23:33
because you just never know
23:35
what's around the corner so I
23:37
guess I sort of have regrets
23:39
with some financial things
23:41
but I think it's lessons
23:43
and I've got to drive that
23:45
you know it's because I just
23:47
I never want to be in a position
23:49
where I'm 50
23:51
and I get left you know with nothing
23:53
and I don't have a savings plan
23:55
or anything like that
23:57
and so now I am looking
23:59
at more than ever for the next 25 years
24:01
like okay what do I do what
24:03
what does my thing look like
24:05
to me and interestingly enough
24:07
I think with money
24:09
I feel like I've had different
24:11
money lessons my whole life
24:13
like when I was 18
24:15
I got my first job
24:17
and it was full time and my dad
24:19
had to sell our house
24:21
using the use prior to that
24:23
and I remember he asked if I'd get a mortgage
24:25
with him and at 18
24:27
also it was pretty cool
24:29
and so I helped my dad get a mortgage
24:31
on our family home
24:33
I feel like now that taught me
24:35
I don't know I guess
24:37
the little things like that
24:39
and I've got a lot of respect for my dad
24:41
and I think having to
24:43
probably for him to be vulnerable
24:45
and have to ask for that at the time
24:47
you know I guess I didn't realize
24:49
the significance of it until
24:51
I'm sort of later in life
24:53
and now I'm here
24:55
That's a huge commitment
24:57
like a huge
24:59
huge ask from your dad
25:01
like for you probably
25:03
not to understand the implications
25:05
if that did go south
25:07
I didn't actually pay
25:09
like I paid for like
25:11
he was retired
25:13
he was old
25:15
he needed someone with an income
25:17
to get that next level of mortgage approval
25:19
so I've even realized it at the time
25:21
what that kind of meant
25:23
and when he was dying
25:25
interestingly enough I will never figure this conversation
25:27
I said dad what do you want to do
25:29
anything in the world
25:31
and this was maybe a month
25:33
out from him passing away
25:35
and he said you know Paul
25:37
I've been either in the world
25:39
I've scared he loves skiing
25:41
I've scared everywhere he said
25:43
I've done everything with my two girls
25:45
my sister and I
25:47
and he said but for all the money
25:49
and the world he said
25:51
all I want is to be here
25:53
like with you girls
25:55
and I think it's really significant
25:57
kind of it so it's like
25:59
be smart but also
26:01
do you really want to work
26:03
till you're 60 and then
26:05
go shit
26:07
do you think that you
26:09
balance that out well
26:11
because like I know you and you're so
26:13
incredibly driven which is amazing
26:15
but it is you are very
26:17
money orientated as I am
26:19
and it's just
26:21
there's times when I seriously have to be
26:23
like is this all worth it
26:25
totally I think it's bad
26:27
I think that's what I mean
26:29
it's to my own
26:31
detriment that I'm like
26:33
holy shit sister like
26:35
pump the right like
26:37
you never you know
26:39
if Miss Polly's kitchen turns to shit
26:41
I was a really good PA when I was younger
26:43
I could go and get a job
26:45
hopefully someone would let me be the PA
26:47
but you know like
26:49
I could get a job somewhere
26:51
I could go you know I'm working
26:53
you're going to be left
26:55
in the shit like I don't so it's
26:57
like I just also your skills
26:59
you're assets so you can make money on turn
27:01
and that no one can ever take this way
27:03
yeah and I remember someone saying
27:05
that someone in our community
27:07
and they were like you know what
27:09
they can take all my money
27:11
all my assets but what they can't
27:13
take is is my knowledge and my
27:15
experience and that was what got
27:17
them through they were like working
27:19
they had two kids and they just went
27:21
oh she got scammed that's right
27:23
that was horrible and she was like
27:25
you know what all I could think of was like
27:27
I've got my biggest asset is my knowledge
27:29
I need to get out there and start earning again
27:31
and it was so true it's like
27:33
yeah that's one thing people can't take away from you
27:35
and I think that's definitely what you've got
27:37
is skills and drive and knowledge
27:39
but then how do we curb that
27:41
because like we're all sitting here
27:43
saying like we know
27:45
that it's not all about money
27:47
while it's really important to stand on your own two feet
27:49
it's so important to be able to
27:51
you know have money to do the things
27:53
you have the experiences you want
27:55
but life at the end of the day is about
27:57
friends and family
27:59
how I don't know
28:01
I feel like it's so easy to dip into
28:03
yeah what matters is people
28:05
and family and time
28:07
but I so quickly get pulled into
28:09
I couldn't agree more but I think
28:11
so I'm working with this person
28:13
at the moment about my financial health
28:17
Victoria Harris
28:19
we'll be terrible friends
28:21
you'll be like so
28:23
I'll just come to you
28:25
come visit me
28:27
and like just say for three months
28:29
you can just pay me in so many bags
28:31
cut the handle often
28:33
it's like writing down
28:35
like I had to
28:37
recently think to myself okay what
28:39
what is it me like what is
28:41
financial freedom look like
28:43
and for me it's like holidaying
28:45
going overseas for me
28:47
is what
28:49
gets me out of bed in the morning
28:51
it's like it sounds so lame
28:53
they're like I love to travel
28:55
like I that's where I'm like
28:57
in my element and it's because you experience things
28:59
you learn and it's just like for me
29:01
I'm like that is what life is
29:03
so if I can have enough money every year
29:05
that I can do a big trip
29:07
and then I can do some small trips
29:09
like that to me
29:11
that's what I value
29:13
each house sure maybe one day
29:15
but you know like that would be epic
29:17
but right now like
29:19
that's not something I'd be saving for
29:21
because for me it's like I just need to make sure
29:23
that I'm earning enough that
29:25
that is like my dream
29:27
to just be able to travel a little bit
29:29
and so I think it's like realizing what
29:31
at what point is enough going to be enough
29:33
because then you buy the beach house
29:35
then you want the boat then you want the
29:37
you know it's like there's always it's like
29:39
what's next in the
29:41
I feel like you know
29:43
and pressure pressure and then I think
29:45
looking around at people
29:47
you know money doesn't
29:49
it helps like my god does it help
29:51
but it really doesn't like
29:53
make it really good to make it happy
29:55
and it's you can say that
29:57
because obviously money problems
29:59
are the worst problems in the world
30:01
and I've got people around me and I know
30:03
they're in really bad positions
30:05
and it's really tough
30:07
but I also think there's people around us
30:09
and I look at their lives and I'm like
30:11
don't even think that money can bring you
30:13
can make you more happy
30:15
like if you can't afford a place to live
30:17
and then you have money and now you can
30:19
but I don't think it doesn't bring you happiness
30:21
it's not a destination and I think
30:23
one thing you know to answer your question
30:25
so if I think
30:27
and that's one thing that I want to do is
30:29
almost have a figure of
30:31
okay when I achieve this figure
30:33
then I'll be fine
30:35
you know and it's like having
30:37
or it's a retirement figure
30:39
whether it's an overall net worth figure
30:41
of like because you're right
30:43
otherwise the goal post keeps moving
30:45
and you're never going to be
30:47
you have to put a line in the sand
30:49
otherwise it's just always driving for more
30:51
but I think what you said about
30:53
the idea of travel
30:55
it's like because you now know that
30:57
that is what brings you happiness
30:59
and that's the baseline
31:01
you'll never stretch yourself
31:03
to go and buy a beach house
31:05
if it means you're forfeiting that and I think that that's really important right?
31:06
it's like yes what's the big number
31:08
in terms of the end destination
31:10
but it's also what is your yearly amount
31:12
that you need that allows you to do the things
31:14
you enjoy and be happy
31:16
and healthy and fulfilled lives
31:18
like you know things like going out for dinner
31:20
I've definitely cut back considerably
31:22
I used to go out for dinner
31:24
like it was changing your neck
31:26
it's like seriously and I'd say
31:28
oh it's my inspiration
31:30
it is still my inspiration
31:32
to try different things
31:34
you know or go out for dinner
31:36
but it's more of a treat
31:38
it's like I remember my mum saying to me
31:40
like Jesus Christ poly
31:42
you're spending a lot of money
31:44
and a lot of people
31:46
wouldn't go out once every two weeks
31:48
for a nice meal
31:50
or once you know so you need to actually
31:52
put more value on it because I don't
31:54
earn what I used to
31:56
so when I do go out for a meal
31:58
I really appreciate it
32:00
it's not just
32:02
it's not just what I do
32:04
but I do think
32:06
going back to that whole money thing
32:08
like having a figure
32:10
I also have this mentality
32:12
where you know
32:14
yes at the moment I'm working towards
32:16
what is a retirement look like
32:18
but nothing's guaranteed either
32:20
so it's like
32:22
to make sure that you don't
32:24
I guess live so
32:26
like you know
32:28
don't do the fun things
32:30
also well I think that
32:32
find balance which I guess
32:34
we're all looking for
32:36
I think if you have the
32:38
bare minimum solid in terms of
32:40
you know what your living expenses
32:42
are you understand those numbers
32:44
you know the amount that you can spend on fun things
32:46
like your trips to Europe or whatever it is
32:48
that you value
32:50
and then you are investing a
32:52
percentage whatever is manageable for you
32:54
whether that's 10 percent 20
32:56
whatever you want to be doing
32:58
you eliminate that low level of financial
33:00
anxiety of I'm not doing anything
33:02
or I'm not being conscious about where
33:04
and how my money's being spent
33:06
that's enough you've got that
33:08
it's like cool and yes you can always
33:10
increase things and have more but for me
33:12
that's been such a game changer
33:14
in that I know I'm looking after my future
33:16
I'm not sacrificing now
33:18
but I'm also aware that I'm not in the same position as a lot of my friends
33:22
I can't go and buy
33:24
a second house or a boat or like and I
33:26
never get there but it's
33:28
it's being very aware
33:30
of what your value set is what you
33:32
want to spend your money on
33:34
and and and also
33:36
looking after your future with that
33:38
you have 5 or 10 or 500 years to live
33:40
it's just like I think when you
33:42
bury your head in the sand and you've no idea
33:44
you spend spend spend
33:46
the anxiety you have is but almost
33:48
doesn't outweigh the joy you get from spending
33:50
the flip side of there as well
33:52
if you are like so
33:54
focused on safe safe safe
33:56
and you're not actually living life either
33:58
I think either way if you spend
34:00
the pendulum too far either way
34:02
is is really detrimental
34:04
I just I guess it is just having that
34:06
knowing what will keep the lights on
34:08
and give you a little bit of fun and luxury
34:10
is the dream goal because if you've
34:12
got that and then you can be putting a
34:14
bit of money into the savings and
34:16
emergency fund then
34:18
happy days and don't do stupid
34:20
shit on shesies like I have
34:22
so this is what I wanted to get into
34:24
oh no
34:26
so you've got your property you know
34:28
you've got you've got Ms. Polly's
34:30
Kitchen which is a growing
34:32
business what else do you invest in
34:34
oh poll no what
34:36
I look I
34:38
so when I was at Bailey's all the
34:40
boys and I choose to stay meetings
34:42
boys men I should call them men
34:44
you used to talk about like you know
34:46
we get to the meeting and then
34:48
sort of be some investment chat about
34:50
like this is shit like I really need to
34:52
get a shesies account what made you
34:54
take interests well you guys
34:56
started so I was listening to you guys
34:58
and so you know
35:00
they were talking about it and it was sort of like
35:04
well you like also just interest I was like oh you know
35:08
the stock market like you know going back
35:10
to my dad he used to
35:12
put like trade in the stock market
35:14
and it was and it went there were times
35:16
it would terribly for him like lost a lot
35:18
and everything you know so it's like I think
35:20
it's always been there been interested in it but I'm like
35:22
I'm not going to sit and read the
35:24
financial times I'm not going to do this so I just
35:26
thought I'll start doing a bit
35:28
a direct feeding manion and I'll just listen to the boys
35:30
and do what they do well one day
35:32
I got a call and I still
35:34
to this day I'm like how did you get my number
35:36
who did you look was so weird
35:38
I had this call from the sky from stock on
35:40
hi Polly
35:42
I've got this company I should know
35:44
it was voice but anyway I was company
35:46
IPO it's called Rivian Amazon's
35:48
put like billions into it and I was like
35:50
holy shit and I'm like what is it
35:52
looking like I'm like okay cool
35:54
anyway and then I'm like any second
35:56
it's going to be bigger than Tesla it's
35:58
it's huge and I was like oh my god
36:00
like I have got the mother I mean
36:02
I got a bit weighted out that I was like
36:04
why are you calling me and I was like I think
36:06
I've got a call coming through hang up call
36:08
I'm like hi babe I've got this new
36:10
stock anyway and she's like I haven't
36:12
heard of it and I was like it's massive
36:14
like it's huge it's about to IPO
36:16
and like I'm talking like I know I'm talking
36:18
it's like I'd be really really
36:20
careful and then like two weeks
36:22
later because it was IPO maybe a month
36:24
something that rang me just like hey
36:26
the thing just came across like my
36:28
I see what is pull be really careful
36:30
like don't do anything stupid
36:32
and I'm like whatever
36:34
I put $5,000 into Rivian
36:36
at the time when it IPO
36:38
it was $154 a share
36:40
then it started to drop and
36:42
I was like I always remember it
36:44
work they're like when it drops
36:46
like double down and I was like
36:48
fuck yeah I'm going to double down
36:50
so I double down
36:52
but more since that day
36:54
it is now with I'm pretty sure
36:56
I want to say maybe $14 a stock
36:58
so my she's is portfolio
37:00
with Rivian is at
37:02
negative 89% and I have about
37:04
$400 sitting in that stock
37:06
from what I put in
37:08
what is that? I live in even better
37:10
so it's yeah it's gone from
37:12
yeah close to $140
37:14
down to
37:16
11 and that's
37:18
in about four years
37:20
yeah
37:22
such a ship
37:24
and then there's another one
37:26
the guy stopped
37:28
and why did you punk me?
37:30
why did the boys not help?
37:32
I think one of them invested
37:34
in it too
37:36
I mean the green line
37:38
it's it's Amazon
37:40
like that in itself
37:42
would have got quite
37:44
the people over the line
37:46
great sales guy from stock
37:48
and then there was another
37:50
company called Betmakers
37:52
I put money into that
37:54
because the boys were doing it
37:56
I put a little bit more
37:58
a new year's day this is going
38:00
back about four years
38:02
it's still that that's
38:04
another one that's just
38:06
recently I have been investing
38:08
drips and drabs like it's
38:10
I've got a couple of
38:12
girlfriends that we message
38:14
you know at least every week to talk
38:16
about you know our house is doing
38:18
what's that doing
38:20
and the most successful one for me
38:22
to date is Rocket Lab
38:24
I invested in that like four
38:26
or five years ago that was
38:28
all recently as well
38:30
insane at one point it was
38:32
up 236% on what I'd put in
38:34
and I was like there's a glitch
38:36
in the system like what's going on
38:38
and then I looked at Rocket Lab
38:40
and then I've put money I've been
38:42
drip feeding money into the US
38:44
500 and since 2020
38:46
2022 maybe must be then
38:48
that's been really really
38:50
just steady and strong
38:52
so that's been a really good one
38:54
but then recently like I talked to a friend
38:56
and she was like there's this
38:58
oh what's it called?
39:00
Navi is?
39:02
and so I bought it and that's already
39:04
down 39% I'm like when I just do
39:06
dumb shit with sometimes I'm like
39:08
but I think this is like
39:10
but not with that much money
39:12
not with people
39:14
200 not
39:16
200 000
39:18
I think this is a really
39:20
good lesson and diversification
39:22
and also thank you for sharing that
39:24
seriously I think there's a lot of people
39:26
that have had that experience and
39:28
they're too embarrassed to talk about it
39:30
and that's really shit
39:32
you weren't put off either
39:34
you were like I want to make my money back
39:36
I want to invest in something else
39:38
I've asked that many times
39:40
I don't like looking at things in a
39:42
res like for me every time I have my
39:44
shoe up poly and it's
39:46
down it gives me a bit of an egg
39:48
but I said to Vic should I just sell
39:50
out like do I just count like what is it
39:52
come on losses
39:54
and just let it go and Vic was like no
39:56
like do not
39:58
just leave it
40:00
you know so I think it's
40:02
and it's funny you know now it's not
40:04
funny but I'm like
40:06
but you've got rocket lab which is amazing
40:08
but this is a great reason why you
40:10
need to diversify because
40:12
you could have put all your money in rocket lab
40:14
and done fantastically well with the
40:16
chances of that really really low
40:18
you're going to have some plonkers
40:20
you're going to have some ribbons
40:22
and some bit makers
40:24
and them not do so well
40:26
it just makes the world of difference
40:28
do we think the bit makers name
40:30
would have been enough to put you on
40:32
it's something to do you know the funny
40:34
thing if you ask me if you went through my
40:36
shoe portfolio right now and ask me
40:38
what half of the companies
40:40
know what they do I'm like I don't know
40:42
I just someone to do it and I think that's
40:44
also probably we're going to say this
40:46
line no I know so but so now
40:48
I'm just all about the US 500
40:50
the ETFs those kind of safe
40:52
things more so if I'm doing something
40:54
drastic so what have we learned from that
40:56
poll be smart listen to the curve
40:58
don't be I'm I'm very
41:00
impulsive I can be super impulsive
41:04
and now that I'm you know not earning
41:06
what I was I'm I'm much more aware of
41:10
where I want to be and not doing done things
41:12
but I also think yes taking risks
41:14
but don't take them in a stupid way
41:16
but also just research
41:18
you can listen to a tip that someone gives you
41:20
and you can be like cool thank you and go away
41:22
you go and put it in the invest in
41:24
club and you ask that yeah I do some research
41:26
on this please yeah and I should have
41:28
listened to Vic when I said hey I know
41:30
you can never give me vice because that's annoying
41:32
thing you think that being friends with
41:34
Vic how I said we're like hey we've been
41:36
just like I just can't really say I just can't
41:38
me that I think now that would be different
41:40
right because I think since probably
41:42
since you first were dabbling in those
41:44
like I think Vic's come a long way in
41:46
terms of being able to also explain things
41:48
differently at the time she probably felt
41:50
now we've realized that I will say
41:52
you're referring some money
41:54
but also I think the like don't
41:56
listen to anyone that calls you
41:58
from a random number and gives you a
42:00
stock trip because then I should have
42:02
listened to you because you said don't do it
42:04
yeah the Curve Investing Club
42:06
is the world's first digital
42:08
investing club for women to build their wealth
42:10
it's a place where industry experts
42:12
like myself and beginners
42:14
can really really join forces to
42:16
share knowledge swap ideas and make money
42:18
through investing so if you're listening
42:20
to this podcast you probably are
42:22
aware that saving alone unfortunately
42:24
can't make your millionaire
42:26
but investing definitely could
42:28
so we wholeheartedly believe in the
42:30
power of community and that the best
42:32
investment ideas come when we collaborate
42:34
and learn with each other
42:36
so bring your friends your mom
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even strangers on the street
42:40
if you want there really is strength
42:42
in numbers and we're so excited
42:44
to create a community that's
42:46
just for you
42:48
talking about
42:50
like beyond investing
42:52
and just money in general you've also had
42:54
a lot of learnings within
42:56
relationships and
42:58
have probably changed your perspective
43:00
on how you approach money and love
43:02
over the years with different people
43:04
that you've you know been in relationship
43:06
with if you could go back in time
43:08
and talk to younger poly who is
43:10
in love say it 24
43:12
and not thinking about
43:14
the idea that being in love
43:16
or in a relationship is kind of like
43:18
being a business with someone
43:20
what would some of those things that you
43:22
would have said to her
43:24
to be aware of
43:26
or to think about in advance
43:28
I would say
43:30
and my lawyer made a really good point
43:32
that if you meet someone
43:34
and you're in the honeymoon period
43:36
and you're so in love like
43:38
your heart is just bursting
43:40
like you're like oh my
43:42
I just now
43:44
what I've learnt is
43:46
if you own an asset
43:48
or if you both have assets
43:50
whatever it is if you you know
43:52
you earn different things
43:54
if you go into a relationship
43:56
and you have something
43:58
it should never be an issue
44:00
from either party to just go in
44:02
after if you're moving in together to say
44:04
hey let's just get this sorted
44:06
and what's mine is mine
44:08
at the moment and what's yours is yours
44:10
and you're planning how you want to do it
44:12
and you protect the shit out of that
44:14
and you hope like hell
44:16
this my lawyer said me that you do these
44:18
agreements you put it in the bottom drawer
44:20
and you never have to look at it again
44:22
because that means you've had a really successful relationship
44:24
and he said
44:26
what you write in those things as well
44:28
is when you're in a sound mind
44:30
and you love someone of what is equal
44:32
and what is fair
44:34
and this is obviously more so
44:36
as you get older and even when you're 18
44:38
you have the front
44:40
I'll have the back
44:42
I think there is a point
44:44
and I obviously don't have kids
44:46
so I know that things change
44:48
but I just think
44:50
as much as you love someone
44:52
the things can go wrong
44:54
and no one is going into a relationship
44:56
with bad intentions
44:58
but things
45:00
I just think you have to really protect
45:02
and if you worked your ass off
45:04
and you've earned your money
45:06
it's different if it's inheritance
45:08
and those are protected in different ways
45:10
but you just have to protect yourself
45:12
and I think it goes for men
45:14
and women
45:16
and it is a shit conversation
45:18
to have with someone like
45:20
hey we're moving in by the way
45:22
you've had one relationship
45:24
where you learned a lot from
45:26
and then now you're going into this
45:28
going into a
45:30
another relationship where
45:32
you seem like you're a lot more mature
45:34
how did you have those conversations
45:36
like how did you make that
45:38
not such a big deal
45:40
and something that you both need to do
45:42
well I think I was just really open
45:44
about it from the get-go
45:46
but I also think sometimes it's
45:48
to my own detriment
45:50
like we live in
45:52
essentially what is my house
45:54
and I'm so conscious that
45:56
it's my boyfriend
45:58
very much is like
46:00
it's your house
46:02
there's a point
46:04
now where it's probably like hey maybe
46:06
I should sell the house and get something together
46:08
so it feels like you're more of a team
46:10
that's a really good point of view
46:12
and you can change it
46:14
yeah you can change it I think like
46:16
and I don't want it to feel like that
46:18
like Ots Poly says like I'm always like
46:20
no our house and I always say it
46:22
but I think I've got a bit of a
46:24
as I said I'm like
46:26
I don't want to rely on anyone
46:28
so that I think can also
46:30
bring me because I'm like
46:32
I'll do this and you know
46:34
and we don't we've got a joint account
46:36
for menial stuff like
46:38
the bills and food shopping
46:40
but it's like the thought
46:42
of like pulling everything together
46:44
it makes me feel a bit
46:46
I'm like
46:48
do you naturally align both of you
46:50
in terms of your spending
46:52
and saving or have there been any
46:54
difficult conversations
46:56
when it comes to that
46:58
actually no two years
47:00
it's actually not funny
47:02
his shopping I went into his
47:04
wardrobe the other day
47:06
because we've got obviously
47:08
the room you sleep in and then
47:10
this one of the forums is where
47:12
I call it the man cave
47:14
and that's where his border
47:16
and I was like dude
47:18
like there is the most
47:20
I'm like what is going on
47:22
and I've never seen you
47:24
have this clothes like throw them
47:26
but I feel like at the moment
47:28
like I'm really making
47:30
all these moves to go
47:32
and get like financial help
47:34
do things differently and obviously
47:36
that rubs off on you
47:38
your partner because then I think
47:40
now he's like yes shit
47:42
we need to get our act together
47:44
but I think that's a really
47:46
good point in itself is
47:48
like it takes
47:50
you have to be at a stage
47:52
where you're
47:54
at your shirt because
47:56
it's really confronting
47:58
to think about I mean for me
48:00
to think about the fact that I'm
48:02
33 and up until my
48:04
33rd year
48:06
I was reckless
48:08
ridiculous with my money
48:10
sometimes I find it just like
48:12
the shame that I
48:14
spiral down of like how
48:16
have I got to this point
48:18
and only now I'm putting this stuff
48:20
in place it's really like
48:22
oh wow I've done this it's like no
48:24
it's really brilliant that I've
48:26
turned things around and I
48:28
definitely think of it in a
48:30
positive way but I guess my point
48:32
in mentioning that is that
48:34
when you get to a place where you're
48:36
like right I need to look at this
48:38
or I need to sort this out or
48:40
I'm going to spend some time
48:42
looking at my money habits like you
48:44
are which is amazing
48:46
there's an emotional switch
48:48
that happens and I think
48:50
you know have because you're
48:52
not going to be perfect straight
48:54
away and you won't probably
48:56
never be but once you've
48:58
illuminated the issues
49:00
you're aware of them you've
49:02
learned you can kind of move
49:04
through and I think when you're
49:06
around people like you're doing
49:08
that so inadvertently he is
49:10
also doing the same I think that
49:12
it just takes people there at
49:14
different stages someone might be
49:16
21 when they do that some of
49:18
it's like talking about you
49:20
both I've met a lot of
49:22
younger girls through working
49:24
things like that who listen to
49:26
your podcast and they're in the early
49:28
20s and they're talking about
49:30
what they invest in and I'm like
49:32
oh that blows my mind imagine if
49:34
I was to like you can't think like
49:36
that but I'm like it's
49:38
incredible that they're doing
49:40
there but it's like I can't you
49:42
cannot I can't look back on the
49:44
last 10 years and go I
49:46
also still young with so much
49:48
time ahead of us to like do things
49:50
differently I think he's
49:52
right by the way
49:54
I've just turned 19
49:56
I feel like there's so many
49:58
things I know and like you
50:00
know it's I mean
50:02
do you want to do the honor of the
50:04
final question that yeah what
50:06
can we expect like what's next
50:08
for Miss Polly's kitchen like what
50:10
is your grand plans for that
50:12
like what would be your five
50:14
financially or otherwise YouTube
50:16
subscribe like not I it is
50:18
it's I I went into his business
50:20
the other day he said unless you
50:22
want to bring out a product which I
50:24
thought about doing he said right
50:26
now what you need to do if you
50:28
bang on YouTube is where you want to
50:30
be that's what you've got to do to
50:32
grow to get a bigger following to
50:34
go like I want to go international I
50:36
really want to grow in Australia to
50:38
start and then I want to get bigger
50:40
and bigger and bigger my dream is to
50:42
you know that that's evolving I think
50:44
having a YouTube thing where it's me
50:46
like I love cooking and it's my
50:48
passion and I love food but I'm not
50:50
you know I'm not the best chef
50:52
I'm not a formally trained chef
50:54
or anything like that so I want to make it
50:56
you know I guess it is more the personality
50:58
thing I want to travel I want to be a
51:00
trusted person that when I'm
51:02
traveling around it's like what did
51:04
Polly eat what did she do because
51:06
that's you know I spend so much
51:08
time researching where I'm going
51:10
to go to get my restaurants
51:12
like cheap eats this that
51:14
everything out like to curate a
51:16
trip so that for me in five years
51:18
like if I could be that person
51:20
that was super trusted and
51:22
had these amazing like travel you
51:24
know cooking things cooking with
51:26
people in different countries that
51:28
I've been on holiday with you and
51:30
honestly the restaurants that
51:32
poll chooses it's like you just
51:34
step back relax and just follow the
51:36
I think that I mean products yes
51:38
I think for now it's like
51:40
yeah just just work with what I've
51:42
got in front of me any
51:44
personal achievements you want to
51:46
achieve in the next five years nine
51:48
months yeah look we don't know is it
51:50
I don't know what it is yet but yeah
51:52
there it there is there is a baby
51:54
there is a dinosaur in my belly
51:56
yeah so look I'm going to become a mom
51:58
so yeah my so happy here
52:00
so excited
52:04
yeah so I think leaning into
52:06
help and you know not being that
52:08
how a woman if I could do it all I'm
52:10
going to have to be really vulnerable
52:12
and let my guard down so I think that's
52:14
exciting and also you know back to the point of
52:16
like coming to a place where you you know
52:18
you have that shift or that emotional moment
52:20
like I need to sort my finances out
52:22
obviously for you it was the idea of
52:24
well yeah being a mom right it's like okay
52:26
I don't want to pass the same stuff on
52:28
and also I have someone else
52:30
I have to pay for now so yeah
52:32
I think that the fine monos that's why
52:34
it was out of the year and that was my biggest shift
52:36
I'm like okay sweet pea just you anymore
52:38
and she's getting in here at the salini bed
52:40
she
52:42
oh I don't know I mean
52:44
anyone would be getting on a salini bed
52:46
I think
52:48
oh no so it's exciting so I think like the big things
52:50
maybe I'll get into boob to food baby
52:52
for not I miss polys Kitchen will stay
52:54
with those kitchen and there might be some new
52:56
offshoots of baby
52:58
little polys Kitchen
53:00
oh my god little polys Kitchen is a great idea
53:02
maybe I'll call he she poly you know
53:04
oh my god
53:06
oh my god
53:08
I'm so excited for you yeah
53:10
also like the idea of you being a YouTube travel vlogger
53:12
like I see it
53:14
I really see it yeah
53:16
I just have to get over the fact that you hold the camera up
53:18
like this and you walk it because I just
53:20
you don't have to do that most people just put their
53:22
computer in front of them and speak straight to their computer
53:24
I mean we did a tech talk in a restaurant last night
53:26
so you know
53:28
and we had to do quite a few takes with the flash on
53:30
so don't worry
53:32
you just have to stop giving shit
53:34
anyway thank you so much having me
53:36
oh thank you so much
53:38
I feel like I've cried several times in this chat
53:40
no I'm not getting made for you
53:42
I'm not
53:44
you're not
53:46
polys people
53:48
no thanks Paul that was
53:50
yeah we lost you
53:52
last chance
53:54
thank you so much for listening to Raisin the Curve
53:56
these conversations are designed to teach you
53:58
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54:00
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54:02
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54:04
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54:18
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54:22
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54:24
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54:26
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