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MONEY DIARIES: Takin' Care of Business · She's On The Money

0:00
Speaker 1: She's on the Money.
0:02
Speaker 2: She's on the Money.
0:14
Speaker 3: Hello, and welcome to She's on the Money, the podcast
0:17
Speaker 3: for millennials who want financial freedom. My name is Tony
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Speaker 3: Lodge and joining me as always is Miss Victoria Divine. Hello, welcome,
0:27
Speaker 3: so today's money diary. Obviously, as always, you haven't read
0:32
Speaker 3: the email. You don't know anything about them, so frustrating. No,
0:36
Speaker 3: and I think that people think it's a lie, but
0:38
Speaker 3: genuinely you've got no idea what's coming. But I really
0:41
Speaker 3: like this one. I think you're going to like it
0:43
Speaker 3: all right?
0:43
Speaker 4: Can you please read me the email so I can
0:45
Speaker 4: get across it before we give her a buzz?
0:47
Speaker 1: Okay, Hi there, hope you're doing well. How polite?
0:51
Speaker 4: Isn't that nice.
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Speaker 3: I'm a twenty six year old girl and I've had
0:55
Speaker 3: a bit of an unconventional upbringing. I'd be happy to
0:57
Speaker 3: share my money story as I'm honestly obsessed with your podcast,
1:01
Speaker 3: which we love.
1:02
Speaker 1: We're obsessed with it.
1:03
Speaker 4: Too, low key got tickets on ourselves.
1:06
Speaker 3: I moved out of home when I was seventeen years old.
1:09
Speaker 3: I had no savings and was planning to study in Sydney.
1:12
Speaker 3: I'm from five hours outside of Sydney. I didn't have
1:15
Speaker 3: a great home life, so wanted to get as far
1:18
Speaker 3: away as possible. I'd been working since fourteen and nine
1:22
Speaker 3: months to the day, but had really poor savings habits
1:25
Speaker 3: as I was taught to live outside my means and
1:27
Speaker 3: put things on credit. I got myself into significant personal
1:31
Speaker 3: debt twenty four thousand dollars. It took me a couple
1:35
Speaker 3: of years to pay it back, and now I have
1:37
Speaker 3: approximately thirty two thousand dollars in my bank account. I
1:41
Speaker 3: didn't even end up using the degree I went to
1:43
Speaker 3: Sydney to study. I'm an open it it's waste away.
1:47
Speaker 3: I'm an open book and happy to share anything. I
1:49
Speaker 3: had some really dark times growing up, feeling very alone
1:52
Speaker 3: and unsure how I could make ends meet. So if
1:54
Speaker 3: this may help or inspire someone, then it would mean
1:57
Speaker 3: a lot to me.
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Speaker 4: Oh my gosh, that's so sad. Our community is so sweet.
2:02
Speaker 4: Let's get her on the phone, Tony. So we've got
2:04
Speaker 4: our money diarist on the line right now.
2:06
Speaker 1: Hello Money Diarist, Hi, thank you so much for choosing
2:10
Speaker 1: my money diary.
2:12
Speaker 4: Thank you for sharing your story with us. We are
2:15
Speaker 4: so excited about this. Money diaries are literally one of
2:18
Speaker 4: my favorite things. And the fact that our community and
2:22
Speaker 4: you are so willing to share stories to help our
2:25
Speaker 4: community grow and learn is it's just so special. So
2:29
Speaker 4: how about we jump straight into our standard questions because
2:33
Speaker 4: I want to learn so much about you and I
2:35
Speaker 4: want to get straight into it. Is that Okay?
2:38
Speaker 1: That sounds great? All right?
2:40
Speaker 4: As always, the first question is what is your attitude
2:44
Speaker 4: towards money?
2:47
Speaker 5: So, growing up, I would probably describe myself as having
2:50
Speaker 5: a bit of a flippant attitude towards money. My mum
2:54
Speaker 5: always taught me that money is just money. It can
2:57
Speaker 5: be replaced, but there might be an expiry date on
2:59
Speaker 5: a sale or an experience that is irreplaceable. So I
3:04
Speaker 5: think that really encouraged me to kind of live outside
3:06
Speaker 5: of my means. I got my first job at fourteen
3:09
Speaker 5: and nine months, and I started working a second job
3:12
Speaker 5: as well when I was fifteen, so I kind of
3:14
Speaker 5: always had enough money, like I could buy what I
3:17
Speaker 5: wanted when I wanted to, So I think that also
3:20
Speaker 5: maybe encouraged me a little bit never to plan for
3:23
Speaker 5: the future.
3:25
Speaker 1: My mom. My mom also didn't really.
3:28
Speaker 5: See a problem with loans, so she would encourage me
3:31
Speaker 5: to take loans off of her, and then she would
3:32
Speaker 5: just put it on the credit card. And I was
3:35
Speaker 5: always aware that you had to pay credit card loans back,
3:37
Speaker 5: Like my mum would go a little bit crazy when
3:39
Speaker 5: we were overdue, and I know, I just need to
3:42
Speaker 5: pick up a few extra shifts to pay back my portion.
3:45
Speaker 5: But I was never too concerned because I don't think
3:48
Speaker 5: I really ever had a proper understanding of the repercussions
3:51
Speaker 5: of bad debts. So I wouldn't say I didn't understand
3:55
Speaker 5: the value of money, because I always like worked for everything,
3:59
Speaker 5: But I guess I was just a bit naive about
4:02
Speaker 5: money and especially like repercussions of debt. Now I would
4:06
Speaker 5: say I have quite an anxious attitude towards money. I
4:11
Speaker 5: constantly feel like it might just stry out at any
4:13
Speaker 5: time and that I'll be left with nothing. So I
4:17
Speaker 5: would say I'm still on the way to having a
4:19
Speaker 5: really positive relationship with money. I still get quite nervous
4:23
Speaker 5: and anxious when I think about it too much.
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Speaker 4: Ah, that's so common. I feel like sometimes if you've
4:29
Speaker 4: been in this mindset of not understanding money to the
4:33
Speaker 4: depth that you would want to, and then you start to,
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Speaker 4: it does give you matter anxiety, and we don't want that.
4:39
Speaker 4: We're going to work through that. So next question is
4:42
Speaker 4: what do you do for work and how much do
4:44
Speaker 4: you earn? Money Diarist.
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Speaker 5: Yeah, so at the moment, I'm on a very variable income.
4:52
Speaker 5: I work as a waitress, lush bartender, and I do
4:55
Speaker 5: private parties and functions. So bookings can be requested clothed
5:01
Speaker 5: which is sixty an hour in laundry, or swimwear which
5:04
Speaker 5: is eighty an hour, topless which is one hundred hour,
5:07
Speaker 5: or nude, which is two hundred an hour.
5:09
Speaker 4: That is not the type of waitressing. I thought you
5:12
Speaker 4: were going.
5:12
Speaker 1: To bed so excited. That's amazing.
5:16
Speaker 4: I love that. And for those of you playing a
5:19
Speaker 4: long moment, Money Diarist is actually on video with us today.
5:22
Speaker 4: I can see why they would want that. I see
5:24
Speaker 4: why you'd make sure.
5:26
Speaker 5: That you're way too cut, You're way too generous today
5:31
Speaker 5: it is I'm not wrong. So yeah, like, depending how
5:37
Speaker 5: many bookings I get depends on my income for the week.
5:41
Speaker 5: But since at the moment I'm only working Fridays and
5:43
Speaker 5: Saturdays because I'm actually back studying part time at the moment,
5:48
Speaker 5: I usually try to aim to make around fifteen hundred
5:51
Speaker 5: a week before tax and super But obviously, due to
5:55
Speaker 5: the nature of my work, sometimes my income can be
5:57
Speaker 5: a little or even like radically more or less than
6:00
Speaker 5: the fifteen hundred dollars a week mark, especially because it's
6:03
Speaker 5: seasonal work. But I guess that's just like what I
6:05
Speaker 5: aim for each week.
6:07
Speaker 4: Absolutely, And how did COVID impact your ability to earn
6:10
Speaker 4: an income in this space?
6:12
Speaker 1: Oh, my gosh, COVID was literally a nightmare.
6:17
Speaker 5: I was really fortunate that I had kind of sought
6:21
Speaker 5: not financial advice, but I had it. I was always
6:23
Speaker 5: taxing my money before all of this happened, so I.
6:25
Speaker 1: Had like history of it, which yeah, which.
6:28
Speaker 5: Meant that because I was self employed, I could actually
6:31
Speaker 5: get on job keeper. So I was on job Keeper
6:32
Speaker 5: all the time. Yeah, so I was super lucky, but
6:36
Speaker 5: like the majority of my friends were just not in
6:39
Speaker 5: that position, and it was a really stressful time. But
6:42
Speaker 5: also for me at the time, like I was kind
6:44
Speaker 5: of I'd gone on to this bigger income, but I was.
6:48
Speaker 1: Just a victim of lifestyle creeps.
6:50
Speaker 5: So I was paying like four hundred and fifty dollars
6:52
Speaker 5: a week on rent and like job keeper that covered
6:55
Speaker 5: the essentials and then everything else like I was just
6:58
Speaker 5: using savings for which was like not an ideal situation.
7:01
Speaker 5: I've definitely learned from a worldwide pandemic.
7:05
Speaker 4: Absolutely. I actually have a few friends who do the
7:07
Speaker 4: same job as you, and some of them do it
7:10
Speaker 4: on the side of another job, and they definitely aren't
7:13
Speaker 4: low key. They aren't paying tax on it. So I'm
7:15
Speaker 4: really grateful that you were in a position where you were,
7:17
Speaker 4: I guess smart enough to make sure that you were
7:19
Speaker 4: taxing it and putting it into super and looking after yourself,
7:22
Speaker 4: because that obviously meant that during COVID you had an
7:26
Speaker 4: income which is literally priceless.
7:29
Speaker 1: Yeah.
7:29
Speaker 5: Absolutely, I think it's definitely like outweighed any amount I
7:32
Speaker 5: would have paid on tax the amount that I got back,
7:35
Speaker 5: So yeah, this is definitely worth it.
7:38
Speaker 4: That's a money win. If ever I heard one or
7:42
Speaker 4: what is your big money goal that you're currently working
7:45
Speaker 4: towards at the moment.
7:47
Speaker 5: I think, like every money diarist, my big money goal
7:50
Speaker 5: is to buy a house. It was actually to buy
7:55
Speaker 5: an apartment for so long, Like, I don't know why
7:57
Speaker 5: I to see myself in an apartment, but I listened
8:00
Speaker 5: to all of your podcasts and I know that that
8:02
Speaker 5: would be a very questionable investment. So yeah, I think
8:06
Speaker 5: stare house.
8:08
Speaker 4: What necessarily you'll have to listen to the property playbooks
8:11
Speaker 4: so we can guide you through that journey as well.
8:14
Speaker 5: Yes, please, I'm up to date at the moment, but
8:16
Speaker 5: I'm waiting for the episodes to come out.
8:19
Speaker 1: Oh my god, we've met our biggest fan.
8:22
Speaker 4: Oh my gosh, you are so kind.
8:25
Speaker 1: Community.
8:27
Speaker 4: All right, all right, next question, do you currently invest?
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Speaker 5: No, I don't have any investments, and I don't currently invest.
8:36
Speaker 5: I am super keen to though, and it was in
8:39
Speaker 5: my financial plan, like a plan i'd made for myself
8:43
Speaker 5: to seek proper financial advice this year by like around
8:47
Speaker 5: the fifteenth of July.
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Speaker 1: I would have had the money for it approximately the
8:52
Speaker 1: fifteenth of July.
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Speaker 5: Yeah, but yeah, obviously, like you just announced your platform woman,
9:00
Speaker 5: Now I'm kind of thinking maybe that would be a
9:02
Speaker 5: better option because I listened to like the podcast about it,
9:06
Speaker 5: as said, until you hit like two hundred thousand, and
9:08
Speaker 5: I definitely don't have that much, so I think maybe
9:11
Speaker 5: I might like be starting there instead of like seeking
9:14
Speaker 5: proper financial advice.
9:17
Speaker 1: Yeah.
9:17
Speaker 4: Absolutely, it's it's definitely only investment advice, but I think
9:21
Speaker 4: it's a really big hurdle to expect people to come
9:24
Speaker 4: up with like three to six thousand dollars or three
9:26
Speaker 4: to seven thousand dollars sorry to get investment advice. And
9:31
Speaker 4: you know, when you're young, that's seven grand is so
9:34
Speaker 4: much money that could be invested, And it was just,
9:37
Speaker 4: you know, it's not micro investing, it's the next step.
9:40
Speaker 4: And I think that it's a really good option for
9:42
Speaker 4: people who are in a position where they want to invest,
9:44
Speaker 4: but they're not willing to, you know, put three grand up,
9:47
Speaker 4: because often that's what we're starting with.
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Speaker 5: Yeah, I think like finding the right financial advisor can
9:53
Speaker 5: be so hard as well. Like a couple of years ago,
9:56
Speaker 5: I actually tried to find one, and I thought I'd
9:58
Speaker 5: found a really good one. I went in and I
10:02
Speaker 5: felt like as soon as I started talking to him,
10:05
Speaker 5: and he was asking me about my income, and I
10:07
Speaker 5: was explaining, like, you know, I work. At the time,
10:09
Speaker 5: I was working a strip club, and like I was
10:12
Speaker 5: explaining to him my earning capacity I guess you could say,
10:16
Speaker 5: because I was doing it full time. And he was like, well,
10:18
Speaker 5: how much do you earn? And I was like, well,
10:19
Speaker 5: I guess however much I want to earn. As hard
10:22
Speaker 5: as I work basically, and it was just like okay, then, well,
10:26
Speaker 5: like you know, I can give you a document, it's
10:28
Speaker 5: going to cost you over ten grand and he said
10:30
Speaker 5: it will be around eleven thousand dollars and I just
10:32
Speaker 5: felt like he was taking me for a ride and
10:34
Speaker 5: I ended up kind of saying no. And then he
10:36
Speaker 5: was like, oh, I think I could do one for
10:37
Speaker 5: two thousand dollars for you, and I was like.
10:39
Speaker 1: That's such a significant press. I'm like yeah.
10:42
Speaker 5: I just felt like he was like taking advantage of me,
10:44
Speaker 5: and I like never never sought financial advice.
10:47
Speaker 1: Again after that, and then rose yeah, and then.
10:49
Speaker 5: I like found this podcast and that's when I started
10:52
Speaker 5: like reconsidering it again. But like before that, I kind
10:54
Speaker 5: of felt like I was like, oh, I'll never go
10:56
Speaker 5: I'll never seek financial advice, Like you know, they live
10:59
Speaker 5: up to reputation, is like how I felt in that
11:01
Speaker 5: way them.
11:02
Speaker 4: That breaks my heart because our industry does have some
11:05
Speaker 4: bad eggs who are not doing the right thing, and
11:07
Speaker 4: it really upsets me because there are so many good
11:10
Speaker 4: advisors out there that just want to put you in
11:12
Speaker 4: a better financial position, and the position you're in where
11:16
Speaker 4: you actually have essentially unlimited earning capacity is really special,
11:21
Speaker 4: especially at a young age. And I actually have a
11:24
Speaker 4: number of clients who work in strict clubs and work
11:26
Speaker 4: in roles like yours, and it's really important to get
11:30
Speaker 4: advice when you're young and doing these roles, because unfortunately
11:33
Speaker 4: these roles aren't going to last you till you're sixty five.
11:36
Speaker 4: There's always that limitation on a career like this where
11:40
Speaker 4: you have to make hay while the sun's shining and
11:42
Speaker 4: invest well and talk to someone who can set you
11:45
Speaker 4: up financially for the long term, because often we get
11:48
Speaker 4: blinkers on when we're in roles like this, We get
11:51
Speaker 4: blinkers on and we go, great, the money's so good,
11:53
Speaker 4: like I'm fine, I can spend, when in reality you
11:56
Speaker 4: might want to exit that industry for whatever reason when
11:59
Speaker 4: you're thirty five and go, well, I want kids now,
12:02
Speaker 4: I want a different lifestyle, or you might say, oh,
12:04
Speaker 4: it's just not for me anymore. What am I going
12:06
Speaker 4: to do next? And you really need, like you genuinely
12:09
Speaker 4: need to be having these financial conversations with someone who
12:12
Speaker 4: can say, hey, this is what it looks like. Here's
12:15
Speaker 4: some forward planning. What are we going to do together?
12:18
Speaker 4: So it breaks my heart that you didn't get that offering,
12:21
Speaker 4: because honestly, some of my favorite clients are my strip
12:24
Speaker 4: club clients because they're just fun people to be around.
12:28
Speaker 4: Like they're missing out, they are missing out. You didn't,
12:31
Speaker 4: my friend.
12:33
Speaker 3: It's also a really good example of what we say
12:37
Speaker 3: in the podcast a lot, like if you actually connect
12:40
Speaker 3: with someone that you're not comfortable with, try and find
12:43
Speaker 3: someone else and try and seek someone else out, or
12:45
Speaker 3: chat to your friends or whatever, because it's actually just
12:48
Speaker 3: not worth putting yourself in a position where you're talking
12:51
Speaker 3: about finance, which for most people is quite a vulnerable
12:54
Speaker 3: thing to be discussing with basically a complete stranger. And
12:58
Speaker 3: if you don't feel that can it's just not worth
13:01
Speaker 3: putting well putting yourself in that position, but paying money
13:04
Speaker 3: to chat with someone about your money that you just
13:07
Speaker 3: don't really connect with.
13:08
Speaker 5: Yeah, I think I just felt so because, like ironically,
13:12
Speaker 5: if it were a doctor, for example, and I didn't
13:14
Speaker 5: like them straight up, I would just leave and book
13:16
Speaker 5: an appointment at the next the next doctor, like try
13:19
Speaker 5: to go somewhere else, and I would feel comfortable to
13:21
Speaker 5: do that. But I think I just felt so out
13:23
Speaker 5: of my comfort zone even entering that space that when
13:27
Speaker 5: I thought it didn't work, I was like, oh my god,
13:28
Speaker 5: it's me, Like it's not humans that I'm not right.
13:32
Speaker 5: I should I think I just like had never even tried,
13:35
Speaker 5: you know, asking someone.
13:36
Speaker 1: I had no one to ask.
13:38
Speaker 5: And then I just felt like I was like, oh, no,
13:40
Speaker 5: it must not be for me, like I'm just not right,
13:42
Speaker 5: like the right thing to do.
13:44
Speaker 4: The case all. No, no, no, I think that that
13:47
Speaker 4: is absolutely not the case. And it Yeah, as I
13:50
Speaker 4: said before, it really breaks my heart that people are
13:52
Speaker 4: not getting the advice that they deserve and they clearly
13:55
Speaker 4: want because they have one negative experience. Because you then assume,
13:59
Speaker 4: you know what, I'd heard so much about this industry.
14:02
Speaker 4: I'd heard it was bad, and you know what, then
14:04
Speaker 4: my experience was bad. So I'm just going to work
14:06
Speaker 4: it out myself, and that's not what it should be.
14:11
Speaker 4: Let's go into the next question, and that is do
14:13
Speaker 4: you currently have any debts?
14:16
Speaker 1: Yes?
14:16
Speaker 5: I do, so I have almost fifty thousand dollars in
14:21
Speaker 5: hex and students startup loans. I'm obviously not on sendal
14:24
Speaker 5: Link anymore, but I was during my last degree and
14:27
Speaker 5: I'm also not finished studying, so that figure is highly
14:31
Speaker 5: concerning the last two financial years. I actually haven't been
14:37
Speaker 5: paying my SUPER either, so since like twenty eighteen, twenty
14:41
Speaker 5: nineteen that financial year. Sorry, I've been a sole trader
14:45
Speaker 5: working in strict clubs or privately, and whilst I do
14:49
Speaker 5: bank and pay tax on all of my money. When
14:51
Speaker 5: I was talking to my tax agent, he kind of
14:53
Speaker 5: explained SUPER to me in a way that kind of
14:56
Speaker 5: made it seem optional and unnecessary because it's considered a
15:00
Speaker 5: and tree contribution for me as a sole trader, and
15:02
Speaker 5: he kind of explained like maybe my money would be
15:05
Speaker 5: better spent on.
15:06
Speaker 1: A house deposit or something.
15:07
Speaker 5: So I owe my SUPER about twelve thousand dollars for
15:10
Speaker 5: the last two years. Currently, I've paid back three thousand,
15:14
Speaker 5: and I have a separate like upsaver called super with
15:18
Speaker 5: another seven thousand in it. But I still have another
15:21
Speaker 5: two thousand to save, and I should have that saved
15:24
Speaker 5: by the fifteenth of June. But I, like I heard
15:27
Speaker 5: you say on the Mini Investors sorry.
15:29
Speaker 4: Specific I cannot wait to jump.
15:34
Speaker 5: Yeah, I remember you like saying that if a client
15:36
Speaker 5: came to you with twenty thousand dollars and asked you
15:38
Speaker 5: to invest it, then you would like drip bet it
15:40
Speaker 5: into the market slowly. So that's what I'm like doing
15:43
Speaker 5: with my super, even though I have no idea if
15:45
Speaker 5: that's even remotely applicab ult to my situational but right,
15:47
Speaker 5: I haven't like separately saved.
15:50
Speaker 1: If that makes sense, you are coming for my job.
15:53
Speaker 3: I don't know, like you know so much more about
15:55
Speaker 3: money than me.
15:58
Speaker 5: I don't know if it actually has any thing to
16:00
Speaker 5: do with the super, but I just I don't know.
16:04
Speaker 1: I was just trying.
16:06
Speaker 4: Oh I love that. I love that, all right? What
16:09
Speaker 4: is your best money habit?
16:12
Speaker 5: I think my best money habit is being really motivated
16:15
Speaker 5: and understanding and sticking to my goals. I think that
16:19
Speaker 5: like anyone can do the mass to work out how
16:21
Speaker 5: much to save in a certain timeframe, but I think
16:24
Speaker 5: that having and keeping motivation is what distinguishes someone to
16:27
Speaker 5: actually be able to put that money and keep it away,
16:31
Speaker 5: because I think when you know your purpose, it's just
16:33
Speaker 5: a lot easier to sacrifice for the bigger, more longer
16:36
Speaker 5: term goals. So yeah, I think maybe my attitude attitude
16:40
Speaker 5: in that regard.
16:42
Speaker 4: That is so good, and it's something that is really
16:44
Speaker 4: relevant as well, because we can all set goals, but
16:47
Speaker 4: sticking to them is actually the hard part. Yeah, on
16:53
Speaker 4: their flip side of that, what is your worst money habit?
16:57
Speaker 5: My worst money habit is that when I get really
17:01
Speaker 5: bad anxiety, I impulse by and I always buy things
17:06
Speaker 5: that are like completely unnecessary. They're just to make myself
17:10
Speaker 5: feel better, like clothing or makeup or skincare.
17:13
Speaker 1: They're like my three weaknesses.
17:16
Speaker 5: But I'm usually really good, Like I have a word
17:18
Speaker 5: account set aside, and I'll only actually buy something I
17:21
Speaker 5: want when I have the money for it.
17:23
Speaker 1: But when I get bad anxiety.
17:24
Speaker 5: Like like I'll just have a thousand dollars sitting in
17:27
Speaker 5: a shopping cart and I'm just like trying to convince
17:30
Speaker 5: myself not to buy it.
17:32
Speaker 1: Day out issue.
17:34
Speaker 4: Well, next time that happens, you.
17:36
Speaker 2: Call me and I'll tell you not to buy it.
17:39
Speaker 4: You can just slide into my DMS and I'll have
17:42
Speaker 4: a chat with you.
17:43
Speaker 1: I'm doing it again. End everything I'm trying by.
17:48
Speaker 4: And if I asked you to give yourself a grade,
17:51
Speaker 4: what would you grade your money habits?
17:54
Speaker 1: I think I would give myself a C plus. Oh
17:57
Speaker 1: my god, no, it mays to be higher than that.
18:00
Speaker 5: I mean, my friend, I would have been like a
18:03
Speaker 5: triple F minus if you asked me a few years ago.
18:07
Speaker 5: But I feel like I feel like I'm on the
18:10
Speaker 5: road at the moment, Like I feel like I'm midway,
18:13
Speaker 5: like I'm passing now. I know where I want to be,
18:17
Speaker 5: but I still have, like you know, my superdebt to
18:19
Speaker 5: pay off. And I think once that's paid, and maybe
18:22
Speaker 5: once I've like started investing and maybe sort some financial advice,
18:27
Speaker 5: and I feel like I actually know where I'm going,
18:30
Speaker 5: and then I'm still hopefully in credit, like like in
18:34
Speaker 5: the positive balance. I think that's when I feel like
18:38
Speaker 5: I'm approaching B to A.
18:40
Speaker 4: I love that, and I really want to ask you
18:42
Speaker 4: some more questions about that, but we're going to do
18:45
Speaker 4: that straight after this quick break. All right, we are back,
18:56
Speaker 4: and I just want to straight off the bat, ask you,
18:59
Speaker 4: how did you start working in stump clubs? Where did
19:01
Speaker 4: that come from? How did you make the transition? And
19:04
Speaker 4: I guess what was your motivation and support in that space?
19:08
Speaker 1: Yeah?
19:09
Speaker 5: For me, I guess it was like a series of
19:12
Speaker 5: a whole lot of unfortunate events all occurring at the
19:16
Speaker 5: exact same time.
19:19
Speaker 1: So I'll try to start from the start. I'd started.
19:26
Speaker 5: I'd just finished the first year of my second degree,
19:30
Speaker 5: which is actually the one I'm currently studying now, and
19:34
Speaker 5: it was the summer holidays, which like here in Australia,
19:37
Speaker 5: we have a four month break, and I moved up
19:40
Speaker 5: from New South Wales up to the Gold Coast to
19:42
Speaker 5: work as a waitress in a strip club, so not
19:44
Speaker 5: actually dancing. A friend of mine was actually dancing up there,
19:48
Speaker 5: and she told me that I could make a lot
19:50
Speaker 5: in tips if I started waitressing. And at the time,
19:54
Speaker 5: i'd like spent the last two years working for jobs,
19:57
Speaker 5: so I was working like around the clock seven days
19:59
Speaker 5: a week, like sixteen twenty hour days, seven days a week.
20:01
Speaker 5: So I was like terrified because I'd never even been
20:04
Speaker 5: in a strip club, but it seemed like a more
20:07
Speaker 5: sustainable option than what I was like currently doing. So anyhow,
20:12
Speaker 5: I was waitressing five nights a week, sometimes six or
20:15
Speaker 5: seven if I got caught in, and I was paying
20:18
Speaker 5: off So this is also when I was in like
20:20
Speaker 5: that twenty four thousand dollars worth of debt. I was
20:24
Speaker 5: paying off my debt really quickly because I was on
20:26
Speaker 5: a normal wage from the waitressing, so like seven hundred
20:29
Speaker 5: dollars a week there, but then I was making about
20:31
Speaker 5: a one thousand dollars a week on top of that
20:33
Speaker 5: in tips.
20:34
Speaker 4: Wow, that's so much funny.
20:37
Speaker 5: It's pretty crazy, Like I had no idea that you
20:40
Speaker 5: could make that much, and I managed to almost like
20:43
Speaker 5: completely pay off that twenty four thousand dollars. I think
20:46
Speaker 5: I had like maybe five thousand left to pay and
20:49
Speaker 5: that would have equated to about four to five weeks
20:52
Speaker 5: worth of work because I was banking all of my
20:54
Speaker 5: tip money and paying off like my debt really quickly.
20:58
Speaker 5: But UNI was about, yeah, UNI was about to restarting
21:01
Speaker 5: New South Wales, and I knew that it would probably
21:03
Speaker 5: take me like once two years to pay off that
21:05
Speaker 5: money if I had to quit my job and go
21:07
Speaker 5: back to just a normal casual job. And so I
21:10
Speaker 5: decided to defer UNI. But when I did that, I
21:13
Speaker 5: decided to finance a brand new car. So okay, I
21:17
Speaker 5: got myself into another seventeen thousand dollars worth of debt
21:21
Speaker 5: in a high interest loan.
21:23
Speaker 2: You were like, I do all this money, so it's fine.
21:26
Speaker 5: I know, I know, and I'm so mortified, like retelling
21:30
Speaker 5: this story.
21:32
Speaker 4: I don't mean now I have a journey. It's Okay,
21:36
Speaker 4: I feel like so many people are so hard on
21:39
Speaker 4: themselves about decisions the past you made, and it doesn't
21:42
Speaker 4: serve you. It doesn't help you to be nervous or
21:45
Speaker 4: upset about a decision that you've made historically because you've
21:48
Speaker 4: already done telling me now exactly you've already done it.
21:51
Speaker 4: But by feeling bad about it, what you're telling me
21:53
Speaker 4: is you've learned and you've grown and you actually know
21:55
Speaker 4: better now, so it's not a bad thing at all.
21:57
Speaker 4: That taught you a lot.
21:59
Speaker 1: Yeah, that's so true. That is true.
22:02
Speaker 5: Yeah, I think getting a brand new car, especially putting
22:06
Speaker 5: it on finance, like I know, now that's a really
22:08
Speaker 5: bad idea. But I'd had a really terrible experience with
22:11
Speaker 5: the last car that I bought, which was like a
22:13
Speaker 5: secondhand car. I'd just been totally stitched up, like everything
22:17
Speaker 5: needed replacing on this car. So I, yeah, I thought
22:20
Speaker 5: that buying a new car would end up being more economical,
22:24
Speaker 5: and I like really desperately needed a car. It didn't
22:27
Speaker 5: have to be new, but I needed a car because
22:29
Speaker 5: for the last couple of months over the summer, I'd
22:32
Speaker 5: been getting public transport to and from work, which for me,
22:35
Speaker 5: it was like a twenty five minute walk to the
22:37
Speaker 5: bus stop and then a forty minute bus ride to
22:39
Speaker 5: the tram station and then like a trans and the
22:43
Speaker 5: car noble.
22:45
Speaker 1: It was on the way back.
22:47
Speaker 5: Like on the way to work, that's fine, it's just
22:49
Speaker 5: public transport, but on the way back, I would like
22:51
Speaker 5: finish work.
22:52
Speaker 1: Around three am.
22:53
Speaker 5: Sometimes fourth it was like a Friday or Saturday, and
22:56
Speaker 5: the trams don't start running, So the trams don't start
22:58
Speaker 5: till like six fifteen and the buses don't. My bus
23:01
Speaker 5: didn't come till seven thirty in the morning, so I'd
23:03
Speaker 5: like finish work and then walk down to the beach
23:06
Speaker 5: and just like sleep on the sand for like a
23:08
Speaker 5: few hours because it was like more comfortable than a
23:10
Speaker 5: park bench. And then I'd like walk back to the
23:12
Speaker 5: train station. I'd like send the lamp like six point
23:14
Speaker 5: thirty on my phone and then like walk back and then.
23:16
Speaker 4: It is so dangerous.
23:19
Speaker 1: It was, yeah, it was.
23:20
Speaker 5: It was so exhausting, Like I cannot explain how tired
23:23
Speaker 5: I was all the time because I was doing this
23:24
Speaker 5: literally every night, and like there's brown snakes on the
23:27
Speaker 5: beach as well, and like you just to be careful,
23:30
Speaker 5: like there's a lot.
23:30
Speaker 1: Of bad stories.
23:31
Speaker 5: So like, I, yeah, it was like a priority to
23:33
Speaker 5: get some mode of transport.
23:36
Speaker 4: I would have played for you if.
23:38
Speaker 2: I knew that that's what you were doing.
23:41
Speaker 4: Oh my god, Like that is very is crazy, And
23:45
Speaker 4: to be honest, as much as i'm I'm super grateful
23:48
Speaker 4: that you're not doing that now. It's so dangerous to
23:52
Speaker 4: do that. But I can see why. One, buying a
23:54
Speaker 4: car was a decision you made, but two, at the time,
23:56
Speaker 4: you probably felt like you didn't really have any other option.
23:59
Speaker 4: You feel like it was necessary in your situation, right,
24:02
Speaker 4: Like nobody does these things because they're like, oh, it
24:05
Speaker 4: doesn't matter, Like I don't mind. I'm so wealthy, I
24:07
Speaker 4: can afford to get Newbrah. I'm just not going to
24:10
Speaker 4: Like you just felt like that was the only option
24:12
Speaker 4: you had.
24:13
Speaker 5: Yeah, I definitely did. I just I didn't really feel
24:16
Speaker 5: like I had. I just I didn't know anyone there,
24:18
Speaker 5: Like I didn't have any help sort of thing. And
24:21
Speaker 5: I thought I could pay it back really quickly, so
24:23
Speaker 5: I didn't think that it would be that bad. But
24:27
Speaker 5: it was literally ten days after I bought the car,
24:30
Speaker 5: I actually got fired from my job. Oh yeah, And
24:35
Speaker 5: that just totally broke me, like it was so ridiculous
24:38
Speaker 5: as well. It was literally just I was about a
24:41
Speaker 5: decade younger than the majority of girls at this particular
24:43
Speaker 5: club that I was working out where I was waitressing.
24:46
Speaker 5: And for anyone that doesn't know, the dancers actually aren't
24:49
Speaker 5: on a wage. They pay to be there, and then
24:51
Speaker 5: the waitresses are obviously on a wage, but they don't.
24:54
Speaker 5: They aren't able to earn anywhere near as much as dancers,
24:57
Speaker 5: so I think they were getting a bit upset I
25:00
Speaker 5: was maybe getting a bit more attention and a bit
25:01
Speaker 5: more tips.
25:02
Speaker 1: Than them, so they just asked me to be removed.
25:04
Speaker 5: And yeah, the specific girl that did was actually having
25:07
Speaker 5: an affair with the owner.
25:08
Speaker 1: So literally the next day I got fired. Yeah.
25:12
Speaker 4: Rama, there is so much tea in this podcast this week.
25:15
Speaker 1: This is literally a Netflix show. Oh my god.
25:20
Speaker 5: It was crazy, Like I literally just rocked up to
25:22
Speaker 5: work and I got fired the next day and then, yeah,
25:27
Speaker 5: I literally it just broke me, Like I just deferred UNI.
25:31
Speaker 5: I'd just taken out this huge loan and I still
25:33
Speaker 5: had a couple of grand to pay over my last loan,
25:36
Speaker 5: and like I just lost the best source of income
25:39
Speaker 5: I'd basically ever had and I was so devastated, and
25:42
Speaker 5: like in the past, I'd been working for jobs and
25:45
Speaker 5: I was actually making like sixteen to seventeen hundred dollars
25:48
Speaker 5: a week, and all of my employers knew that I
25:51
Speaker 5: had four jobs, but I thought that because of that,
25:53
Speaker 5: I was being taxed properly, but I actually wasn't. So
25:55
Speaker 5: I had a few thousand dollars owing to the ATO,
25:58
Speaker 5: and so I felt like if I got multiple jobs
25:59
Speaker 5: again and I would just end up in more debt again,
26:02
Speaker 5: and so that just didn't feel like an option to
26:04
Speaker 5: get multiple jobs. And because I deferred UNI, I was like,
26:07
Speaker 5: oh my god, like I have to make this worth
26:09
Speaker 5: something like this can't. Like I just felt like I
26:12
Speaker 5: was constantly redefining rock Poto and I was like, there
26:14
Speaker 5: has to be something come from this. So I just
26:17
Speaker 5: like I was sitting in my car like crying because
26:19
Speaker 5: I'd just been fired, and I was like, I've got
26:21
Speaker 5: to start dancing, Like I just have to do it.
26:23
Speaker 1: Just is what it is. I have to start dancing.
26:25
Speaker 5: So I was like living on the Gold Coast and
26:28
Speaker 5: I applied for a job up in Brisbane literally to
26:31
Speaker 5: like my trial was like two nights later. And yeah,
26:35
Speaker 5: that's basically how it started, and you wouldn't actually believe
26:39
Speaker 5: that the first day. So, like I went to my
26:42
Speaker 5: job in they do like a trial job interview thing,
26:45
Speaker 5: and I drove up to Brisbane. I actually left like
26:47
Speaker 5: two and a half hours. It only takes like an
26:48
Speaker 5: hour and a half to get to Brisbane. Max, I'm
26:52
Speaker 5: for you. Yeah, I'm like sitting in my car, just
26:55
Speaker 5: like you know, touching out my makeup, like thinking about
26:57
Speaker 5: what I'll say before I go in.
26:59
Speaker 4: There was such a car, why wouldn't you.
27:01
Speaker 5: Yeah, I'm like sitting down and out of nowhere this
27:06
Speaker 5: car Tea Bonnes my car, and I'm like parked. Yeah,
27:10
Speaker 5: it was my friend new car. I'm parked and I
27:13
Speaker 5: was about to go into my interview. A car Tea
27:15
Speaker 5: bwnes me. And then he gets out and starts abusing
27:18
Speaker 5: me because like I was parallel parked in front of
27:21
Speaker 5: a big white band, so he didn't see my car
27:23
Speaker 5: and he thought it was a car spot. So he's
27:24
Speaker 5: like racing like down the main road. Oh my god,
27:27
Speaker 5: I know. Like thankfully I didn't actually have to end
27:29
Speaker 5: up paying anything, but it was like an insurance nightmare
27:31
Speaker 5: because he didn't have insurance, and yeah, it.
27:33
Speaker 1: Was just one thing for another.
27:37
Speaker 5: I ended up getting the jump though, so it's like,
27:39
Speaker 5: oh for that, and then mom, Yeah, when I was dancing,
27:44
Speaker 5: I was working five nights a week, I reckon, I
27:47
Speaker 5: was probably making around two and a half grand up
27:49
Speaker 5: in Brisbane a week, and I was just funneling all
27:52
Speaker 5: of my money into that debt like I was. You
27:55
Speaker 5: would never have known I was making that kind of money.
27:57
Speaker 5: Like I was living in a house with six people
27:59
Speaker 5: and like two dogs and had a mattress that I've
28:01
Speaker 5: like gotten off the side of the road. But all
28:04
Speaker 5: of my money, I was just putting it all to
28:05
Speaker 5: pay off that debt. And then I just told myself
28:08
Speaker 5: when I paid it back, I was like, I will
28:10
Speaker 5: never get into debt again. And I've never gotten a
28:13
Speaker 5: credit card since, and I like am trying to like
28:16
Speaker 5: rehabilitate my learning. But yeah, there's definitely like a lot
28:22
Speaker 5: of just like crazy stories where I've made some you know,
28:26
Speaker 5: stupid mistakes out of pure stupidity.
28:29
Speaker 4: That's not stupid and bad luck. I feel like this
28:33
Speaker 4: is a story that you know, I'm listening he along,
28:35
Speaker 4: being like and what next. The underlying I guess theme
28:41
Speaker 4: of this is so many people would have given up,
28:43
Speaker 4: so many people would bury their head in the sand
28:45
Speaker 4: and not do anything about their financial situation. And I
28:49
Speaker 4: see it all the time. People then spiral into more
28:52
Speaker 4: debt or you know, go back to you know, a
28:54
Speaker 4: different job that pays not as much. And you know,
28:57
Speaker 4: this isn't an option for everybody, and it's not a
29:00
Speaker 4: choice that everybody would make. And that's okay. But what
29:03
Speaker 4: I'm saying is you're just so tenacious. You're like, no,
29:05
Speaker 4: I'm going to get it done, and this is how
29:06
Speaker 4: I'm going to do it because.
29:08
Speaker 3: And I'm not taking no for an answer.
29:11
Speaker 4: Yeah I'm not having it. And I just love that,
29:14
Speaker 4: Like you just come across as this person that I
29:16
Speaker 4: want to know, Like I just want to know you
29:18
Speaker 4: and your story and just so cool.
29:22
Speaker 2: Please, I literally want to buy your coffee.
29:25
Speaker 1: This is the coolest story of it.
29:29
Speaker 5: I think, like, I think I used to be kind
29:32
Speaker 5: of a bit like I am now, But I definitely
29:34
Speaker 5: went through a phase I think, especially when I started dancing,
29:37
Speaker 5: where I was really disconnected and like really dissociating. I
29:41
Speaker 5: think like I was definitely pushing myself into a place
29:45
Speaker 5: that I probably wasn't comfortable, and now I'm super comfortable,
29:48
Speaker 5: Like I'm in this industry voluntarily and I love it,
29:51
Speaker 5: and I have awesome friends from it and stuff, and
29:54
Speaker 5: it's absolutely undoubtedly changed my life. But I think at
29:59
Speaker 5: the time I to get by, I was doing anything
30:02
Speaker 5: to get by, so like I really started to lose
30:05
Speaker 5: myself because like I would go to work and I
30:08
Speaker 5: would see other girls making money and I wouldn't be
30:10
Speaker 5: making money, which I think.
30:11
Speaker 1: A lot of girls go through that way.
30:13
Speaker 5: You know that you could have a night where you
30:14
Speaker 5: don't make something, and then the next night you pull
30:16
Speaker 5: three grand, like you just don't know what's going to happen,
30:20
Speaker 5: And like I would start lying to get the customers,
30:23
Speaker 5: like I would do anything whatever I need, and I
30:26
Speaker 5: got good at it. But you start to like lose
30:28
Speaker 5: yourself as a person, especially when you're doing it so
30:30
Speaker 5: many nights a week. So I think it's taken like
30:33
Speaker 5: a few years to like rebalance myself so that I'm
30:35
Speaker 5: a bit more of like a I don't know, I
30:37
Speaker 5: guess it's like a balanced person in general, instead of
30:40
Speaker 5: like either having to live at one end of the
30:43
Speaker 5: extreme of the spectrum, like from a personality point.
30:47
Speaker 1: Of view, yeah.
30:48
Speaker 4: Wow, So how did you start finding yourself again? Because
30:51
Speaker 4: regardless of the situation, I think that a lot of
30:54
Speaker 4: people when it comes to finances do find themselves feeling
30:57
Speaker 4: a little bit lost and doing the things that they
30:59
Speaker 4: feel like they have to do to get by. What
31:02
Speaker 4: were the steps that you were taking to I guess
31:04
Speaker 4: refined yourself and you know, gain that confidence back.
31:09
Speaker 1: Yeah, I guess it's a really good question.
31:12
Speaker 5: I think some of it comes from privilege of getting
31:15
Speaker 5: to a point where I actually wasn't in desperate need
31:21
Speaker 5: of the money, if that makes sense. So I had
31:24
Speaker 5: gone from years of being in like significant amounts of
31:27
Speaker 5: debt and I was so desperate for money that I
31:31
Speaker 5: would do anything for that money. But then I got
31:35
Speaker 5: to a point where I actually could say no. And
31:37
Speaker 5: I think in that industry, it's about learning your boundaries
31:42
Speaker 5: and that can take a really long time. Because I
31:44
Speaker 5: think women in general, I mean all people in our society,
31:49
Speaker 5: but specifically women, like we're socialized to be polite and
31:54
Speaker 5: not to be outspoken and not to be not to
31:57
Speaker 5: be an inconvenience, and if there's any uncomfortable in a
32:00
Speaker 5: situation where taught that we need to harbor that uncomfortability
32:04
Speaker 5: and make everyone around us feel comfortable and feel good,
32:08
Speaker 5: and specifically men like, I feel like our position in
32:11
Speaker 5: society sometimes is just to enable men. And when you're
32:15
Speaker 5: socialized like that, and then you go into an environment
32:19
Speaker 5: that can be extremely exploitative of women, and you're in
32:23
Speaker 5: an environment where it is a boys will be boys' atmosphere,
32:26
Speaker 5: and then they like. The way I would describe it
32:29
Speaker 5: is if someone can take something from you, they will,
32:32
Speaker 5: so you know, they'll cut your grass if you're getting
32:34
Speaker 5: a customer. But men like, if you're not constantly asserting yourself,
32:39
Speaker 5: you will be taken advantage of at every opportunity because
32:43
Speaker 5: if you don't say no, they will assume it's yes.
32:46
Speaker 5: So I think slowly learning what my boundaries are and
32:52
Speaker 5: not just that, like I think I always knew my boundaries,
32:54
Speaker 5: but learning how to assert them was really it was challenging.
32:57
Speaker 5: It probably genuinely took me about a year and a half.
33:00
Speaker 5: Like of and like like, you will get sexually assaulted
33:04
Speaker 5: if you don't tell someone no, because they will just
33:06
Speaker 5: keep assuming it's yes. And even if you are telling
33:07
Speaker 5: them no, they'll keep going until you were oh, and
33:11
Speaker 5: you'll just sit there and cop it, And I think
33:12
Speaker 5: it's so easy for people to say, like, oh, well,
33:14
Speaker 5: why didn't you just tell them no? Like, why didn't
33:16
Speaker 5: you just walk away? It's just not that easy, especially
33:18
Speaker 5: when like the last No, if you're in that situation,
33:21
Speaker 5: you never act how you think you'll act. And I think,
33:26
Speaker 5: especially because I'd just been fired from my last job
33:28
Speaker 5: so unjustly, I was so scared to tread on anyone's
33:31
Speaker 5: toes as well. So I guess like learning of boundaries
33:36
Speaker 5: and like I remember one of my first shifts. It
33:40
Speaker 5: was actually when I was waitressing. It was one of
33:41
Speaker 5: my first years waging, and I was walking through the
33:43
Speaker 5: club and waitresses are completely clothed. They don't take their
33:46
Speaker 5: clothes off, they don't They literally just get drinks for customers,
33:50
Speaker 5: like they don't really interact with customers in the same
33:53
Speaker 5: way that an actual dancer would.
33:55
Speaker 1: And I had a guy.
33:58
Speaker 5: I was just walking through like with a tray of drinks,
34:00
Speaker 5: and a guy slapped me on the bum and I
34:03
Speaker 5: kind of just like turned around and was like a
34:05
Speaker 5: bit shocked, and then I just like kept kept walking
34:08
Speaker 5: and the head waitress saw it and she grabbed me
34:11
Speaker 5: and she turns back with that guy, and she was
34:13
Speaker 5: just like, what the hell did you just do? Except
34:16
Speaker 5: she was like using a few more profanities. She was like,
34:19
Speaker 5: did you just slap like my waitress on the bum?
34:22
Speaker 5: And he was just like oh oh, oh, no no,
34:24
Speaker 5: and she like, actually I think that you did, but
34:27
Speaker 5: I think you just did. And he was just like
34:29
Speaker 5: oh oh. And she's like, are you going to give
34:30
Speaker 5: us some money for that? And he was just like
34:32
Speaker 5: oh oh, and he like he was so speechless, and
34:35
Speaker 5: she was just like, you better take fifty dollars and
34:37
Speaker 5: put it in her titture right now. And he was
34:40
Speaker 5: just like oh. And she was like, if you're going
34:41
Speaker 5: to touch a dancer, you pay. If you want to
34:43
Speaker 5: touch my waitress, you better be willing to pay, and
34:45
Speaker 5: like she was getting so mad at him, and that
34:49
Speaker 5: was like made me realize, like, oh, you can say no,
34:52
Speaker 5: like you actually have power. Yeah, you're in the pat
34:56
Speaker 5: And then yeah, it took like a year and a
34:57
Speaker 5: half to like rehabilitate my mindset to get to a
35:00
Speaker 5: point where I'm like, yeah, I have power in this situation.
35:03
Speaker 1: I am in control of it. And I think when
35:04
Speaker 1: you learn you've.
35:05
Speaker 4: Got girl, oh my god, it's so motivating.
35:10
Speaker 5: Yeah, I think like learning to assert your boundaries is
35:13
Speaker 5: when like things started to change for me.
35:16
Speaker 4: I really love the confidence that you have now, and
35:21
Speaker 4: I think it's really important, regardless of what industry or
35:24
Speaker 4: aspect during Like, asserting your boundaries is so important for
35:27
Speaker 4: your mental health, your physical health, and your ability to
35:30
Speaker 4: generate an income. And sometimes we just let people get
35:33
Speaker 4: away with things because we feel like, oh, like I
35:36
Speaker 4: don't want to tread on someone's toes because I need
35:38
Speaker 4: the money or I really need this job. And to
35:42
Speaker 4: be honest, like you are, so you are worth so
35:45
Speaker 4: much more than that, and you know, it breaks my
35:47
Speaker 4: heart that you know, I'm so grateful that you're out
35:50
Speaker 4: of this situation. But what I know for sure is
35:53
Speaker 4: there's other girls in exactly the situation You're going through
35:57
Speaker 4: exactly the same things at this point, and I guess
35:59
Speaker 4: it's I guess it's probably a good last question for you,
36:04
Speaker 4: is you know, if you could talk to past you,
36:06
Speaker 4: what would you tell her and what would you tell
36:08
Speaker 4: people that are going through that situation at the moment?
36:11
Speaker 4: How can they see the I guess light at the
36:13
Speaker 4: end of the tunnel, because you don't necessarily know at
36:16
Speaker 4: that stage what you're even looking for.
36:18
Speaker 1: Right, Yeah, definitely I would say that, like.
36:24
Speaker 5: It does get better and you can do it, and
36:28
Speaker 5: like anything is possible if you have enough nerve, Like
36:31
Speaker 5: you just need to keep fighting because like it always
36:34
Speaker 5: does get better, and like focus on your goals and
36:40
Speaker 5: let anything else that comes in and out of your
36:42
Speaker 5: life until you reach your goal. Just let it be
36:46
Speaker 5: water under the bridge and just know that, like you
36:48
Speaker 5: did what you needed to do to get where you
36:50
Speaker 5: wanted to be, and like that's okay, And like you
36:54
Speaker 5: always say it on the podcast, like comparison is the
36:56
Speaker 5: thief of joy, and it totally is. Like I think
36:59
Speaker 5: it's so easy, especially as a youngster and especially like
37:03
Speaker 5: in the era of social media, to just constantly compare
37:07
Speaker 5: yourself and just be like why, like why can't I
37:10
Speaker 5: have that life? Like why wasn't that mine? Like why
37:13
Speaker 5: couldn't that have happened to me? And like it's so
37:16
Speaker 5: easy to focus on what you don't have, but like,
37:19
Speaker 5: like I think that like you can do it, and
37:21
Speaker 5: like whatever you're going through, like it just does get better.
37:24
Speaker 4: Oh my gosh, that that is so inspired.
37:28
Speaker 1: Ah. Honestly, this is such a great money diary and.
37:32
Speaker 4: I love your story. I love you, I love everything
37:35
Speaker 4: you stand for. And it's just we need these stories.
37:39
Speaker 4: We need to understand other people's experiences and what they
37:43
Speaker 4: go through, to understand that our journeys aren't linear and
37:47
Speaker 4: they're never going to be the same, and we can
37:50
Speaker 4: learn something from everybody's journey. And it's just, you know,
37:53
Speaker 4: it makes me feel so grateful that we've got the
37:55
Speaker 4: shoes on the money community because we get to do
37:58
Speaker 4: that through this, and you guys are so generous with
38:00
Speaker 4: your stories and it just it makes my heart so full.
38:04
Speaker 1: But you're so welcome.
38:05
Speaker 5: Thank you so much for like giving me space to
38:08
Speaker 5: like talk to people like that.
38:10
Speaker 1: That's really special.
38:13
Speaker 3: I just also feel really grateful to hear your story
38:17
Speaker 3: from a narrative that isn't spoken about very often.
38:20
Speaker 4: And it's a.
38:21
Speaker 3: Job that people are probably scared, like it's like you
38:24
Speaker 3: can't ask that, and people, you know, are afraid of
38:27
Speaker 3: different things to what they know. And I think it's
38:31
Speaker 3: really an important story to share that people are going
38:34
Speaker 3: to hear that and realize the hustle and like the
38:38
Speaker 3: personal strength and power that it takes to be any
38:41
Speaker 3: type of person, let alone like an industry that you
38:44
Speaker 3: don't hear much about. So I just truly from the
38:47
Speaker 3: bottom of my heart, like, thank you so much for
38:49
Speaker 3: reaching out, because I think it's a really important story
38:52
Speaker 3: for people to hear from this perspective.
38:55
Speaker 4: So I agree. And it's funny because that industry is
38:59
Speaker 4: always really looked down upon, and throughout my journey as
39:02
Speaker 4: a financial advisor and growing Sheese on the Money, some
39:05
Speaker 4: of the best women I've ever met have been in
39:07
Speaker 4: that industry. Like they are the most open women. They
39:10
Speaker 4: are so accepting of everybody's journeys and stories. They are
39:13
Speaker 4: going to have your back in every single situation, and
39:16
Speaker 4: I think that that comes from them having experienced other
39:20
Speaker 4: people not having it for them. And you know, I
39:22
Speaker 4: think it's so unfair that this industry has such a
39:26
Speaker 4: negative connotation because the women in it are to Boston
39:30
Speaker 4: so beautiful.
39:31
Speaker 1: Yeah, it makes me so sad.
39:32
Speaker 5: Like I think Hollywood has definitely like thrown us under
39:37
Speaker 5: the bus there. We're always to trade as like crazy
39:39
Speaker 5: drug addicts that just like you know, would swap that
39:43
Speaker 5: you know for work, which like it's just so untrue,
39:46
Speaker 5: especially in Australia. Like I think a lot of us
39:50
Speaker 5: just like haven't had you know supportive families or haven't
39:52
Speaker 5: grown up with families and stuff, and so we all
39:56
Speaker 5: have a new found appreciation for like women and like
40:00
Speaker 5: the friendships with women. And I think like when people
40:03
Speaker 5: say things like, you know, you're better than.
40:06
Speaker 1: This industry and stuff, I'm like, well, that's because you.
40:08
Speaker 5: Don't know this industry like you've you've never taken the
40:11
Speaker 5: time to learn, Like, yeah, that's so.
40:15
Speaker 4: It's so sucky because it's exactly like financial advice, right,
40:19
Speaker 4: Like you've had an experience with an advisor, so therefore
40:22
Speaker 4: you're like everybody's bad, when in reality, it's the minority
40:26
Speaker 4: of women in that industry that are making a bad name,
40:29
Speaker 4: but they're the ones that get the press, right.
40:31
Speaker 1: Yeah, exactly, that's it. That's it.
40:35
Speaker 4: Oh my gosh. Well, thank you so much for joining us.
40:38
Speaker 4: I'm genuinely so grateful for your story, and I know
40:40
Speaker 4: we're going to be friends for a long time now.
40:43
Speaker 1: Oh I hope. So thank you so much for having me.
40:46
Speaker 1: I really appreciate it.
40:47
Speaker 3: Thank you so much for sharing your story with us.
40:49
Speaker 3: We really really appreciate it.
40:51
Speaker 4: We really do. It's been such an eye opening conversation
40:54
Speaker 4: and I feel like you took us really left field,
40:57
Speaker 4: but I'm so grateful for that. But that is obviously
40:59
Speaker 4: all we have time for today. So before we go,
41:02
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41:06
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41:09
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41:13
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41:17
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41:20
Speaker 4: friendship and our kindness.
41:22
Speaker 3: The advice shared on She's on the Money is generally
41:25
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41:32
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41:52
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41:53
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41:57
Speaker 4: Absolutely, we will see you next week. From Money Dairy
42:00
Speaker 4: Guys
42:10
Speaker 1: M