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What It’s Really Like to Raise Twins (And Battle Double the Costs) · She's On The Money

• 0:00
  Speaker 1: Hello, my name is Sanatasha Nabananga Bamblet. I'm a proud
• 0:04
  Speaker 1: or the Order Kerni Whaltbury and a waddery woman. And
• 0:08
  Speaker 1: before we get started on She's on the Money podcast,
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  Speaker 1: I would like to acknowledge the traditional custodians of the
• 0:13
  Speaker 1: land of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it. She's on the Money.
• 0:36
  Speaker 3: She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on the Money podcast that
• 1:00
  Speaker 4: lets you be pervy about other people's money habits for
• 1:03
  Speaker 4: educational purposes of course, this is my favorite episode of
• 1:07
  Speaker 4: the week, Welcome back to Money Diarries, where we get
• 1:10
  Speaker 4: to talk with one of our incredible She's on the
• 1:12
  Speaker 4: Money community members all about their journey. Let's jump straight
• 1:16
  Speaker 4: into it, because this week we got a message and
• 1:18
  Speaker 4: it sounded exactly like this. Hi, She's on the Money.
• 1:22
  Speaker 4: Did you know that sentlink doesn't classify twins as multiples.
• 1:26
  Speaker 4: That means parents of twins like me don't qualify for
• 1:30
  Speaker 4: the multiple birth allowance, even though we have to pay
• 1:33
  Speaker 4: for literally two of everything. When our twins were born
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  Speaker 4: in twenty twenty, right in the middle of COVID, we
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  Speaker 4: were juggling double the costs formula, clothes, nappies, while also
• 1:45
  Speaker 4: building our home and worrying about job security in the
• 1:48
  Speaker 4: middle of a pandemic. Fast forward to now, and we've
• 1:51
  Speaker 4: paid off our consumer debt, started investing for our future
• 1:54
  Speaker 4: and our boys, who are now four years old, and
• 1:57
  Speaker 4: built a budget we actually stick to. Automating our bills
• 2:01
  Speaker 4: has been a game changer too. Thanks to She's on
• 2:04
  Speaker 4: the Money, I've gained financial literacy, confidence, and the empowerment
• 2:08
  Speaker 4: to invest in my future. Money Diarist, welcome to the show.
• 2:12
  Speaker 2: Thank you for having me. I'm happy to be here.
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  Speaker 4: I am so excited. Low key. This is going to
• 2:17
  Speaker 4: sound crazy to anyone but probably you. I would love twins,
• 2:23
  Speaker 4: Like I just think that would be so fun. Like
• 2:28
  Speaker 4: I know that that's probably a handful, and I'm sure
• 2:30
  Speaker 4: you're going to tell me about this, but like, oh,
• 2:32
  Speaker 4: if there was a way to be like, oh, if
• 2:34
  Speaker 4: you do this, so I have this supplement, Victoria and
• 2:37
  Speaker 4: you can have twins. I'd do it. I'd absolutely do it.
• 2:41
  Speaker 4: And you're like, Victoria's crazy.
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  Speaker 2: It's definitely double the love and double with cuddle, that's
• 2:45
  Speaker 2: for sure.
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  Speaker 4: See, I just exactly. I just think it would be
• 2:48
  Speaker 4: so cool. Anyway, let's do a money diary. As always,
• 2:52
  Speaker 4: we always start asking the question, what great would you
• 2:55
  Speaker 4: give your money habits if I asked you to give
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  Speaker 4: them a grade from A through to F.
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  Speaker 2: I reckon, I give myself probably a B minus.
• 3:02
  Speaker 4: I like this. I like this. Tell me a little
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  Speaker 4: bit more. Now about your money story.
• 3:07
  Speaker 2: Okay, so, growing up, we certainly never went without, but
• 3:10
  Speaker 2: money wasn't something that was openly discussed in our family.
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  Speaker 2: Our parents always bought my brother and I good quality footwear,
• 3:17
  Speaker 2: good quality clothing, but we were taught the value of
• 3:20
  Speaker 2: money and how to sort of make things last. We
• 3:22
  Speaker 2: were never really threatened with being bought cheap and nasty things,
• 3:26
  Speaker 2: but we were, I guess educated to look after our
• 3:28
  Speaker 2: good school shares, look after our runners, look after our belongings,
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  Speaker 2: because things don't come for free.
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  Speaker 4: Yeah, that's absolutely fair. And how is that translated to
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  Speaker 4: your money story as an adult?
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  Speaker 2: I think it's had a pretty good translation. I certainly
• 3:42
  Speaker 2: never take anything for granted now, especially now that we're
• 3:45
  Speaker 2: sort of on the other side of COVID and just
• 3:47
  Speaker 2: how much anxiety there was in those couple of years.
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  Speaker 2: But I think nowadays my husband and I have definitely
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  Speaker 2: got a good concept of the value of money, not
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  Speaker 2: just because of how much things cost, but also making
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  Speaker 2: things last and not sort of succumbing to I guess
• 4:00
  Speaker 2: trends and fast fashion and things like that.
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  Speaker 4: That is so fair, all right, I want to learn
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  Speaker 4: a little bit more. We were talking about your life
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  Speaker 4: and we're still, I guess talking about your money story.
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  Speaker 4: You mentioned at the very beginning of your email that
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  Speaker 4: you sent us, did you know that send link doesn't
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  Speaker 4: classify twins as multiples? What is a multiple to sent
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  Speaker 4: a link then? Because I would assume that multiple means
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  Speaker 4: multiple birth, and that would be twins or triplets. So
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  Speaker 4: can you please educate me? Because when I read that,
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  Speaker 4: I was like, turns out I am not very intelligent.
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  Speaker 2: Well, I guess yeah, as the name suggests, a multiple
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  Speaker 2: birth impliers birth in more than one child or adopting
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  Speaker 2: more than one child at a time. We didn't really
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  Speaker 2: know what to expect, obviously, finding out that we were
• 4:43
  Speaker 2: having twins right at the beginning of COVID. But yeah,
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  Speaker 2: we thought we might have been able to get I
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  Speaker 2: guess a little additional support.
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  Speaker 4: I would have assumed.
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  Speaker 2: Yeah, I mean, so did I. But according to the websites,
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  Speaker 2: even though when I had to fill out the application
• 5:01
  Speaker 2: for my twins birth certific because I had the tick
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  Speaker 2: that they were part of a multiple birth, but that
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  Speaker 2: doesn't really entitle us as twin parents to much more
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  Speaker 2: than that.
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  Speaker 4: Which literally makes no sense because it's literally double of everything.
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  Speaker 4: It's not like, oh, well, actually you are having two babies,
• 5:17
  Speaker 4: but just buy one car seat because they can share,
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  Speaker 4: like they can't all of the big expensive things you
• 5:24
  Speaker 4: need too of like a prem. Great, now we need
• 5:27
  Speaker 4: the double prem which is double expensive. Like what so
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  Speaker 4: what does centalink think a multiple birth is?
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  Speaker 2: Triplet's cause are higher?
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  Speaker 4: Oh okay, so because you only had two babies, that's
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  Speaker 4: not impressive enough.
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  Speaker 2: No, I guess growing and giving birth the two babies simultaneously,
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  Speaker 2: isn't it good enough?
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  Speaker 4: Oh my gosh. I want to ask about twins though.
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  Speaker 4: Was that a shock? Is that something that ran in
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  Speaker 4: your family?
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  Speaker 2: We do have twins in our family, A bit like you.
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  Speaker 2: I always thought it would be cool to have twins
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  Speaker 2: until I actually fell pregnant with twins, and it certainly
• 6:00
  Speaker 2: was a shock. We found out very early on that
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  Speaker 2: we were having twins, so we had plenty of time
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  Speaker 2: to prepare for that. I mean, I was very grateful
• 6:08
  Speaker 2: to have fallen pregnant, but I also cried all the
• 6:11
  Speaker 2: way home from the first ultrasound appointment.
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  Speaker 4: It would have been terrifying.
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  Speaker 2: Yeah. Yeah, my parents didn't believe me that we were
• 6:17
  Speaker 2: having twins, and I told them I thought I was joking.
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  Speaker 2: So it took several weeks for it to sort of
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  Speaker 2: fully sink in and then accept the fact. And at
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  Speaker 2: the time, we were living in a little two bedroom unit.
• 6:27
  Speaker 4: Oh no, and you were probably like, oh, if we
• 6:29
  Speaker 4: have a baby, we've got a two bedroom unit. We
• 6:32
  Speaker 4: can pop them in there to be so easy, and
• 6:34
  Speaker 4: then all of a sudden, your life would have been
• 6:36
  Speaker 4: in a spin.
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  Speaker 2: That was our plan to stay in our little two
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  Speaker 2: bedroom unit without one baby for a little while and
• 6:41
  Speaker 2: then upsize when the time was ready. And then, yeah,
• 6:44
  Speaker 2: two babies was a big shock. And I think within gosh,
• 6:47
  Speaker 2: two weeks of finding out, we were off to the
• 6:48
  Speaker 2: real estate agent to get an appraisals to sell our unit.
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  Speaker 2: But then trying to sell a unit in early twenty twenty,
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  Speaker 2: as I'm sure you can appreciate, it wasn't very easy
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  Speaker 2: to do.
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  Speaker 4: No, so what did you do?
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  Speaker 2: Saw it? Thankfully? It took months to sell?
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  Speaker 4: How stressful.
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  Speaker 2: Yeah. So I got to the point when I was
• 7:05
  Speaker 2: thirty five weeks pregnant. Oh no, we had.
• 7:09
  Speaker 4: Just on thirty five weeks with twins. That's impressive, I think.
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  Speaker 2: So I got to thirty six weeks in the end.
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  Speaker 4: What do you mean you think?
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  Speaker 2: So?
• 7:16
  Speaker 4: I know, so thirty six weeks with twins, you are golden.
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  Speaker 2: I was not very comfortable, I will say that much.
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  Speaker 2: I was horizontal for the last several weeks of the pregnancy.
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  Speaker 2: Oh no. Yeah, So we got to thirty five weeks
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  Speaker 2: and we just accepted an offer and we were ready
• 7:32
  Speaker 2: to exchange contracts, and then the buyer pulled out.
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  Speaker 4: Excuse me, that is so rude.
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  Speaker 2: I know, a heavily pregnant woman doesn't want to buy
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  Speaker 2: to pull out of the sale of a home, so
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  Speaker 2: we're very upset about that. But then our agent was
• 7:43
  Speaker 2: able to turn around and find another buyer on the
• 7:45
  Speaker 2: same day who purchased the house site unseen.
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  Speaker 4: What Yeah, the stars really aligned there.
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  Speaker 2: Yeah, the best outcome for us.
• 7:53
  Speaker 4: So you're saying the week before you had a baby,
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  Speaker 4: you sold your.
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  Speaker 2: House two babies.
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  Speaker 4: Yes, yeah, yep, sorry, But the week before you gave birth,
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  Speaker 4: you were like, oh, I'm just going to sell the house.
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  Speaker 4: That's all good. No, I thrive under pressure.
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  Speaker 2: Yeah. I was on the phone to the solicitor I
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  Speaker 2: think a couple of days after the birth, in the hospital,
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  Speaker 2: just confirming everything was good to go. So there's no
• 8:13
  Speaker 2: rest for the wicked.
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  Speaker 4: Oh my gosh, no way. I kind of adore this. Like,
• 8:20
  Speaker 4: tell me a bit more about having twins financially. So
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  Speaker 4: obviously when it starts or when you find out you're pregnant,
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  Speaker 4: is there any additional associated costs with having twins apart
• 8:33
  Speaker 4: from all of the expected things like an additional car
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  Speaker 4: seat and two bacinets and all of that stuff, Like,
• 8:39
  Speaker 4: is your pregnancy different financially.
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  Speaker 2: Yes, So, as you said, we had to buy two
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  Speaker 2: car seats at a double prem two bacinets, etcetera, etcetera.
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  Speaker 2: But because twins and multiples in general are considered a
• 8:52
  Speaker 2: high risk pregnancy, there's a lot more appointments you need
• 8:55
  Speaker 2: to have anti natally. So I was having appointments at
• 8:58
  Speaker 2: the hospital with obstetrician every fortnight and then obviously that
• 9:02
  Speaker 2: was covered by Medicare because that was through the hospital.
• 9:04
  Speaker 2: But I also had to have four weekly ultrasounds. And
• 9:07
  Speaker 2: because they're not just ultrasounding one baby, they're ultrasounding two babies.
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  Speaker 2: So I was charged for two babies. What.
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  Speaker 4: Yeah, it's double the cost for an ultrasound for multiples.
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  Speaker 2: That was my experience. I don't know what that's the
• 9:18
  Speaker 2: experience for everybody.
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  Speaker 4: I'm just they really said we'll take them for a ride,
• 9:24
  Speaker 4: like really said, you know what, We're going to kick
• 9:25
  Speaker 4: them while they're down.
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  Speaker 2: Yeah. And then when I reached thirty weeks, it was
• 9:29
  Speaker 2: fortnightly ultrasounds after that because obviously the high risk of complications.
• 9:33
  Speaker 2: So I eventually reached I think it's called the Medicare safety.
• 9:35
  Speaker 4: In it, which is an achievement.
• 9:37
  Speaker 2: Yeah, yeah, I didn't have to pay any more for
• 9:39
  Speaker 2: the ultrasounds, which was good.
• 9:41
  Speaker 4: Oh my gosh, that is so stressful. So am I
• 9:44
  Speaker 4: assuming that you went through the private system, then.
• 9:47
  Speaker 2: No, I went through the public health system.
• 9:49
  Speaker 4: Right, and it was still out of pocket for ultrasounds
• 9:51
  Speaker 4: and stuff like that.
• 9:52
  Speaker 2: My ultrasounds were they weren't done at the hospital, they
• 9:55
  Speaker 2: were done privately.
• 9:55
  Speaker 4: Yeah, okay, And is that because it gave you more
• 9:58
  Speaker 4: peace of mind or is that just the way it
• 10:00
  Speaker 4: goes with twins, because I literally don't know how that
• 10:03
  Speaker 4: would work.
• 10:04
  Speaker 2: Yeah, I think I'm not entirely sure what the process was,
• 10:07
  Speaker 2: but I know my GP was pretty adamant that I
• 10:10
  Speaker 2: have my ultrasounds at this particular place because it was
• 10:13
  Speaker 2: a women's health center with gynecologists and women's health sonographers there,
• 10:17
  Speaker 2: and I was quite happy for that. Like, we were
• 10:19
  Speaker 2: very luckily in a good financial position to be able
• 10:21
  Speaker 2: to fund the ultrasounds ourselves. But they did add up
• 10:24
  Speaker 2: at the same time one hundred percent.
• 10:26
  Speaker 4: So what are we paying on average for a twin ultrasound?
• 10:29
  Speaker 4: From memory? I mean it was four years ago.
• 10:31
  Speaker 2: But yeah, from memory, I mean I was only paying
• 10:34
  Speaker 2: the gap, but the gap I think was still maybe
• 10:36
  Speaker 2: one hundred dollars each ultrasound.
• 10:38
  Speaker 4: Oh my gosh, I feel like it adds up so
• 10:41
  Speaker 4: quickly and now therefore, which is so exciting. Is this
• 10:47
  Speaker 4: still super super expensive or are there ways to cut
• 10:52
  Speaker 4: costs with twins? Like, I've got no idea, I've got
• 10:55
  Speaker 4: nothing to.
• 10:55
  Speaker 2: Compare it to, so I don't know what a singleton
• 10:57
  Speaker 2: would cost. So we're more us out of nappies now,
• 11:01
  Speaker 2: which is great, but I've got boys and they eat
• 11:03
  Speaker 2: so much food, so our grocery bill has certainly increased exponentially.
• 11:08
  Speaker 2: We're obviously having to navigate childcare as well, which we're
• 11:12
  Speaker 2: very lucky to receive the childcare subsidy, so that and
• 11:14
  Speaker 2: the second child subsidy because we've got two children in childcare,
• 11:18
  Speaker 2: which is wonderful, but that obviously is a cost. And
• 11:21
  Speaker 2: then birthdays and Christmas, you're buying two lots of presents,
• 11:24
  Speaker 2: so we don't try and spoil them rotten, but we
• 11:27
  Speaker 2: do try, and I mean, they're so young. We are
• 11:29
  Speaker 2: trying to educate them on the value of things, like
• 11:31
  Speaker 2: they've got bikes for their birthday this year, and we're
• 11:33
  Speaker 2: trying to teach them that this was a big presence
• 11:35
  Speaker 2: and that Santam might bring something smaller presents this year.
• 11:38
  Speaker 4: So yeah, that's fair, that is very fair. I love
• 11:41
  Speaker 4: that I can definitely resonate with boys eating a lot,
• 11:45
  Speaker 4: Like I only have an eight month old, but he's
• 11:47
  Speaker 4: already thirteen kilos and I genuinely look novel holding him.
• 11:51
  Speaker 4: People are like, oh is he walking in? And I'm like,
• 11:53
  Speaker 4: baby can't even crawl.
• 11:54
  Speaker 2: Yeah, he will eat a lot of food.
• 11:58
  Speaker 4: Yeah, please send help. How did my bad maybe just
• 12:00
  Speaker 4: put away a whole risotto? Like, I don't know?
• 12:03
  Speaker 2: All right?
• 12:03
  Speaker 4: I want to ask some more money questions. Tell me
• 12:06
  Speaker 4: what do you currently do for work? How much money
• 12:08
  Speaker 4: do you earn?
• 12:09
  Speaker 2: I am a physiotherapist and I earn about one hundred
• 12:12
  Speaker 2: and fifteen thousand dollars a year, which includes super.
• 12:14
  Speaker 4: And can I be really pervy? What does your partner?
• 12:17
  Speaker 2: He earns about ninety thousand dollars a year?
• 12:19
  Speaker 4: Very cool? And tell me what are your current big
• 12:23
  Speaker 4: money goals? What are you guys working towards.
• 12:25
  Speaker 2: We're trying to pay down a mortgage like a lot
• 12:27
  Speaker 2: of people are, and we're also hoping to save up
• 12:30
  Speaker 2: for our first overseas family holiday in the next year
• 12:33
  Speaker 2: or the year after.
• 12:34
  Speaker 4: That's exciting. Where are you planning on going? What does
• 12:36
  Speaker 4: that budget look like?
• 12:38
  Speaker 2: I haven't got that far yet. We're looking at Fiji.
• 12:40
  Speaker 2: We've been considering New Zealand, but our boys just love
• 12:44
  Speaker 2: the beach and I like to sitting by swimming pool,
• 12:46
  Speaker 2: and so do they.
• 12:46
  Speaker 4: I have seen lots of people online going to Fiji
• 12:49
  Speaker 4: and I feel like that looks super kid friendly as well.
• 12:52
  Speaker 2: Yes, we just took them on our little holiday to
• 12:54
  Speaker 2: the Gold Coast recently stated a lovely kid friendly resort
• 12:57
  Speaker 2: which they just loved. So we're hoping to take it's
• 13:00
  Speaker 2: a bit of a bigger leap and fly and I
• 13:02
  Speaker 2: guess travel internationally as well.
• 13:04
  Speaker 4: That's very exciting. Another cost though, because they fly free
• 13:08
  Speaker 4: under two, but now you're paying two seats for two
• 13:12
  Speaker 4: four year olds.
• 13:12
  Speaker 2: Yeah. Plus you've got to get passports as well, so
• 13:15
  Speaker 2: that's another cost that we're factor in.
• 13:16
  Speaker 4: Oh my gosh, and they're so expensive now, passports are exorbitant. Yeah,
• 13:22
  Speaker 4: all right, let's go to a really quick break on
• 13:24
  Speaker 4: the flip side. I want to ask about you said
• 13:26
  Speaker 4: that you were investing. We talked about your mortgage. I
• 13:28
  Speaker 4: want to have a chat about that, and I want
• 13:29
  Speaker 4: to know about your good and bad money habits, so
• 13:31
  Speaker 4: guys don't go anywhere, all right, money direst We are back,
• 13:39
  Speaker 4: and I need to know you said that I loved
• 13:42
  Speaker 4: this part, so I'm going to read it out again.
• 13:44
  Speaker 4: You said, Thanks to She's Other Money, I've gained financial literacy,
• 13:47
  Speaker 4: confidence and the empowerment to invest in my future. Tell
• 13:51
  Speaker 4: me about that investing journey.
• 13:53
  Speaker 2: Well, we've recently, I guess, took the plunge and still
• 13:56
  Speaker 2: dealing with a little bit of analysis paralysis in terms
• 13:59
  Speaker 2: of investment. I've obviously been a long term listener of
• 14:02
  Speaker 2: the podcast and I've read the investing.
• 14:03
  Speaker 4: Book Thank you. That's very fun.
• 14:06
  Speaker 2: In the last couple of probably the last twelve months,
• 14:08
  Speaker 2: we've started investing in ETFs through Vanguard.
• 14:11
  Speaker 4: How good.
• 14:13
  Speaker 2: Yeah, So, I know it's baby steps. You got to
• 14:15
  Speaker 2: crawl before you walk, but we're happy that we finally
• 14:17
  Speaker 2: got our foot in the door. And I guess I'm
• 14:19
  Speaker 2: just trying to live by the saying it's not about
• 14:22
  Speaker 2: time in the market, it's just time in the market.
• 14:24
  Speaker 4: I love it, and I love that you're like, oh,
• 14:26
  Speaker 4: they're baby steps. But then also I was a financial
• 14:29
  Speaker 4: advisor and like most of my portfolio is ETFs, so like,
• 14:34
  Speaker 4: it's actually the same steps that someone established would be making.
• 14:37
  Speaker 4: But you're like, oh, this maybe I need something bigger
• 14:40
  Speaker 4: and better. Then you realize you're actually fully doing it properly. Yeah,
• 14:44
  Speaker 4: I love that so much. All right, talk to me
• 14:46
  Speaker 4: about this mortgage, When did you get it, what did
• 14:49
  Speaker 4: it look like? And then after I'm going to touch
• 14:51
  Speaker 4: on consumer debt.
• 14:52
  Speaker 2: Okay, So we got our mortgage in twenty twenty one.
• 14:56
  Speaker 2: We bought our land and built our house and at
• 14:58
  Speaker 2: the time we got the home builders grant from the government,
• 15:01
  Speaker 2: which was fantastic. So at the time of final draw down,
• 15:05
  Speaker 2: we had a mortgage for I think six hundred and
• 15:07
  Speaker 2: six thousand dollars and then we managed to pay that
• 15:10
  Speaker 2: down over a couple of years down to five eighty
• 15:13
  Speaker 2: five cool.
• 15:14
  Speaker 4: Nice.
• 15:14
  Speaker 2: Yeah, And then only in the last couple of months
• 15:16
  Speaker 2: we finally took the plunge and bought ourselves in your
• 15:20
  Speaker 2: family car. So we borrowed against the equity in our house.
• 15:23
  Speaker 4: How smart, because the interest rate would be lower than
• 15:25
  Speaker 4: a car loan.
• 15:26
  Speaker 2: Yeah, they lowered it down so weirdly enough, our interest
• 15:29
  Speaker 2: rate I think at the time was six point five percent,
• 15:31
  Speaker 2: and then when we borrowed went into the bank and
• 15:34
  Speaker 2: we borrowed against the equity in our house and they
• 15:36
  Speaker 2: lowered it down to six point two percent.
• 15:37
  Speaker 4: Yeah, thank you, thank you. It's because the car, like
• 15:40
  Speaker 4: obviously isn't a secure asset, but the house is so
• 15:44
  Speaker 4: you end up in a sweeter position, which is kind
• 15:46
  Speaker 4: of nice. You probably weren't expecting that one.
• 15:48
  Speaker 2: Not at all. So our mortgage is currently sitting at
• 15:50
  Speaker 2: six hundred and forty seven thousand.
• 15:52
  Speaker 4: That's exciting, it's eyewatering. So yes, But at the same time,
• 15:56
  Speaker 4: it sounds like you're very across what that looks like.
• 16:00
  Speaker 4: And I'm assuming that with twins you probably needed a
• 16:03
  Speaker 4: new family car. What did you buy? What was the
• 16:05
  Speaker 4: thought process around that? You're like, we need a new
• 16:07
  Speaker 4: family car, But like, do you buy the biggest suv
• 16:10
  Speaker 4: on the market or do you just buy the smallest
• 16:13
  Speaker 4: car that everyone can fit in? Like where was the
• 16:16
  Speaker 4: thought process and the budgeting when it came to purchasing that?
• 16:19
  Speaker 2: Talking about cars, so I might just backtrack a little bit.
• 16:21
  Speaker 2: When I was thirteen weeks pregnant, I was involved in
• 16:23
  Speaker 2: a car accident. No, my car was written.
• 16:26
  Speaker 4: Off and you were okay and the babies were okay.
• 16:28
  Speaker 2: I was fine, babies were okay. Yeah. I had to
• 16:31
  Speaker 2: spend a couple of days in hospital just being monitored,
• 16:34
  Speaker 2: But then I had to start my maternity leave early
• 16:35
  Speaker 2: because the complications were just deemed too high risk.
• 16:38
  Speaker 4: So it started way too high risk.
• 16:40
  Speaker 2: Yeah, I started my matt leave early. So we were then,
• 16:43
  Speaker 2: unfortunately without a car. So luckily I had comprehensive car
• 16:46
  Speaker 2: insurance and we got to payout for that, but it
• 16:48
  Speaker 2: wasn't enough to go and buy a brand new car
• 16:50
  Speaker 2: because our little, my little car at the time was
• 16:53
  Speaker 2: going to be our little family car. So we had
• 16:55
  Speaker 2: to We're using the insurance payout and sort of our
• 16:58
  Speaker 2: savings to buy a which was a sort of a
• 17:01
  Speaker 2: medium sized suv. But my husband has had a single
• 17:04
  Speaker 2: cab ute for several years and we were practically operating
• 17:08
  Speaker 2: as a one car family. So because we couldn't put
• 17:10
  Speaker 2: any car seats in the single cab.
• 17:11
  Speaker 4: You two kids with car seats, like.
• 17:13
  Speaker 2: Yeah, So essentially we bought him a new car and
• 17:16
  Speaker 2: it's an ICDD Max.
• 17:18
  Speaker 4: Yeah okay, and then everyone fits in that, which is nice.
• 17:21
  Speaker 2: Everyone fits in the car and then some so that's lovely.
• 17:23
  Speaker 4: How good? And so tell me a bit more about
• 17:26
  Speaker 4: your consumer debt journey. So you've got this mortgage and
• 17:28
  Speaker 4: that makes sense. I think you're in a really good position.
• 17:30
  Speaker 4: And that type of debt is actually good debt because
• 17:33
  Speaker 4: it's creating wealth into the future. But you said we've
• 17:36
  Speaker 4: paid off our consumer debt. Where did that come from?
• 17:39
  Speaker 4: What did that look like?
• 17:40
  Speaker 2: So before I started listening to the podcast, and as
• 17:42
  Speaker 2: our house was being built, we went into a furniture
• 17:45
  Speaker 2: store and bought all new furniture for the house because
• 17:48
  Speaker 2: I wanted nice new furniture, as you do when you
• 17:50
  Speaker 2: get a new house, and we signed up for a
• 17:53
  Speaker 2: Latitude Go card. At the time, I wasn't aware that
• 17:55
  Speaker 2: that probably wasn't the smartest thing to do.
• 17:57
  Speaker 4: But that's okay. You were doing the best you could
• 17:59
  Speaker 4: at the time.
• 17:59
  Speaker 2: Yeah, And so we got the beautiful new furniture and
• 18:02
  Speaker 2: then I sort of learned the difference between good debt
• 18:05
  Speaker 2: and bad debt, and my husband and I said, look,
• 18:07
  Speaker 2: need to pay this off as soon as we can.
• 18:09
  Speaker 2: So we hustled and we paid it off two years
• 18:12
  Speaker 2: and three months early. So we paid it off about
• 18:14
  Speaker 2: five months ago.
• 18:15
  Speaker 4: Hey, that's so good. And was that Tell me how
• 18:18
  Speaker 4: much does a furniture like decking a house out with
• 18:21
  Speaker 4: all new furniture, what does that cost?
• 18:23
  Speaker 2: It was nine thousand dollars.
• 18:25
  Speaker 4: Oh that feels like a lot. But at the same time, like,
• 18:29
  Speaker 4: I'm glad that you smashed it out and you probably
• 18:31
  Speaker 4: have a really nice couch.
• 18:32
  Speaker 2: Two new lounges, it was a dining room table, it
• 18:34
  Speaker 2: was a new bed, it was TV, and it was
• 18:37
  Speaker 2: the whole kitten kerboodle.
• 18:38
  Speaker 4: So but I mean, the house looks beautiful, so it does.
• 18:41
  Speaker 2: It's all about the us.
• 18:42
  Speaker 4: There you go, there you go. How did that make
• 18:45
  Speaker 4: you feel when you started listening to the podcast and
• 18:47
  Speaker 4: you learned the difference between good and bad debt. Were
• 18:50
  Speaker 4: you like, oh, no, I'm in this pickle or were
• 18:53
  Speaker 4: you like, oh, it's not so bad, or like, what
• 18:55
  Speaker 4: did that look like? Because I feel like I feel
• 18:57
  Speaker 4: a bit rude sometimes when I'm like, oh, hey, I
• 19:00
  Speaker 4: don't know if you know this, but that's actually really terrible. Yeah,
• 19:03
  Speaker 4: sorry about that buye. Yeah.
• 19:04
  Speaker 2: No, I was very conflicted, that's for sure, because we
• 19:07
  Speaker 2: didn't need new furniture, but we wanted new furniture, and
• 19:11
  Speaker 2: it was probably a bit of an impulse buy. But
• 19:13
  Speaker 2: that's when we decided this has got to go. This
• 19:15
  Speaker 2: is a liability in the bank size and mortgage brokeer's eyes.
• 19:18
  Speaker 2: So any excess money we had left it at the
• 19:21
  Speaker 2: end of the month, we were just put towards like
• 19:22
  Speaker 2: straight onto that debt, and when we paid it off
• 19:25
  Speaker 2: back in July of this year, we closed the account,
• 19:27
  Speaker 2: so it's gone.
• 19:27
  Speaker 4: Yeah, very cool. I love this. So next question I've
• 19:31
  Speaker 4: got for you. You've paid off a eab of consumer debt.
• 19:34
  Speaker 4: It sounds like you've been really smart with the way
• 19:36
  Speaker 4: that you've gotten a car loan, You've got a healthy mortgage,
• 19:39
  Speaker 4: you've got two kids that you're wrangling, you are working
• 19:42
  Speaker 4: full time, earning really good money. What do you think
• 19:45
  Speaker 4: is your best money habit.
• 19:46
  Speaker 2: I would say that my best money habit is I'm
• 19:49
  Speaker 2: pretty savvy shopper, particularly when it comes to grocery shopping.
• 19:53
  Speaker 2: I shop with Woolworths, and I've got the everyday rewards,
• 19:56
  Speaker 2: the subscription that they've got oh yeah yeah, and we've
• 19:59
  Speaker 2: also got insurance with will worth so we get two
• 20:02
  Speaker 2: ten percent off discounts per month. So I use that
• 20:06
  Speaker 2: when we shop online, which is wonderful, always looking at
• 20:10
  Speaker 2: what's on sale. And we also collect our reward dollars
• 20:13
  Speaker 2: that we accumulate with points, and so the rewards dollars
• 20:16
  Speaker 2: that we had collected up until earlier this year, we
• 20:18
  Speaker 2: used to buy our kids' birthday presents and then we'll
• 20:22
  Speaker 2: do the same again for Christmas, so we're not really
• 20:23
  Speaker 2: out of pocket that much come Birthday and Christmas.
• 20:26
  Speaker 4: You are so smart, Like I have done literal podcasts
• 20:29
  Speaker 4: on points hacking and whatnot, and like I get it.
• 20:32
  Speaker 4: I understand the concept, but it hasn't been until recently
• 20:35
  Speaker 4: that I've been like, oh, I really need to like
• 20:37
  Speaker 4: work out what's going to work for me. It's actually
• 20:40
  Speaker 4: so fun, Like I haven't been collecting all I'm on
• 20:43
  Speaker 4: the other program so like flybys and like collecting those,
• 20:47
  Speaker 4: and that I found this program where I can get
• 20:50
  Speaker 4: five times the points if I sign up, and I'm
• 20:52
  Speaker 4: just like, I feel like a hacker. This feels so fun,
• 20:55
  Speaker 4: Like I feel like I'm gaming the system and I'm like, okay, cool,
• 20:58
  Speaker 4: I'm gonna have enough points for this and it's like
• 21:00
  Speaker 4: free money. I adore it.
• 21:02
  Speaker 2: Yeah, So I'm pretty sappy with that, and I think
• 21:05
  Speaker 2: Christmas is approaching and we've currently got about one hundred
• 21:08
  Speaker 2: and sixty dollars in reward dollars sitting there, and that's
• 21:10
  Speaker 2: after we'd spent about two hundred dollars on the kids.
• 21:13
  Speaker 2: But their presence earlier in the See that's good.
• 21:15
  Speaker 4: Tell me what does Christmas look like for the kids
• 21:18
  Speaker 4: this year? Like, how are you budgeting? What are you
• 21:21
  Speaker 4: going to purchase? What if you asked Santa to purchase? Like,
• 21:23
  Speaker 4: how are we dividing all of that up?
• 21:26
  Speaker 2: We haven't put on Christmas is only a month the way,
• 21:28
  Speaker 2: we haven't put too much thought to Christmas. The kids
• 21:30
  Speaker 2: are asking for an inground swimming pool and a baby
• 21:33
  Speaker 2: for Christmas, and they're unfortunately not going to get either.
• 21:35
  Speaker 4: Oh both of those really reasonable? Yeah, easy, no worries.
• 21:39
  Speaker 4: Let me just pop out the back. I think I
• 21:41
  Speaker 4: have two spare Yeah.
• 21:42
  Speaker 2: So that's unfortunately not going to happen. But we've been
• 21:45
  Speaker 2: taking them to the shops and just letting them look
• 21:47
  Speaker 2: at things that they might be interested in. And I
• 21:49
  Speaker 2: take a picture of them.
• 21:50
  Speaker 4: In ground swimming pool. Okay, I just kind to spare
• 21:53
  Speaker 4: fifty grands laying around, no worries.
• 21:55
  Speaker 2: Yeah, so I've just been sending pictures of things that
• 21:58
  Speaker 2: the kids are interested into our family and just said, look,
• 22:02
  Speaker 2: this is something that they would like. If you're happy
• 22:03
  Speaker 2: to buy them, that would be great. Please just let
• 22:05
  Speaker 2: us know so that we don't buy it ourselves.
• 22:07
  Speaker 4: Yeah, that's fair. I feel like that's the smart thing
• 22:09
  Speaker 4: to do. This is our first Christmas with a baby.
• 22:12
  Speaker 4: And I said the other day to my mum, oh,
• 22:15
  Speaker 4: I'm thinking about purchasing X y Z And then later
• 22:18
  Speaker 4: she sends me a screenshot of her purchasing it, and
• 22:20
  Speaker 4: I was like, I'm glad you told me, but also
• 22:22
  Speaker 4: you just store my present idea rude.
• 22:25
  Speaker 2: But something else we've started doing as well is because
• 22:28
  Speaker 2: we've got an investment portfolio each for the boys, is
• 22:31
  Speaker 2: we can get gift certificates for their investments, so people
• 22:35
  Speaker 2: can give us like a gift that we can invest
• 22:37
  Speaker 2: instead of giving them like a present as such.
• 22:39
  Speaker 4: That's so smart. So tell me about this gift certificate idea?
• 22:44
  Speaker 4: Are they transferring you cash and then we're making up
• 22:47
  Speaker 4: a fake little certificate or like what does that look like?
• 22:49
  Speaker 4: And how are you telling the kids therefore? Like do
• 22:52
  Speaker 4: they understand.
• 22:53
  Speaker 2: What we've been doing with family recently? Is they might
• 22:56
  Speaker 2: get like a little book as there I guess the
• 22:58
  Speaker 2: materialistic president and then the adults will just give us
• 23:02
  Speaker 2: maybe twenty or thirty dollars which we can then put
• 23:04
  Speaker 2: away and then we can invest that for the boys.
• 23:07
  Speaker 2: Or I know Vanguard have a feature for children where
• 23:10
  Speaker 2: you can upload the details of their account and they
• 23:12
  Speaker 2: can someone can deposit the cash into their account for them.
• 23:15
  Speaker 4: Yeah, that is cool. Tell me how you're investing for
• 23:18
  Speaker 4: your kids. I feel like this is such a hot
• 23:20
  Speaker 4: topic in our community. Everyone's like, I don't know what
• 23:23
  Speaker 4: I'm doing. I've got analysis paralysis. So we haven't done yet.
• 23:26
  Speaker 4: How did you decide to start investing for your kids?
• 23:29
  Speaker 2: We just want them to have the best I guess
• 23:32
  Speaker 2: chance out a successful life when they turn eighteen or
• 23:35
  Speaker 2: twenty five. We haven't quite determined what age they'll sort
• 23:37
  Speaker 2: of receive the money yet. But we started investing for
• 23:41
  Speaker 2: them at the same time that we started investing for us,
• 23:43
  Speaker 2: which has been in the last twelve months, and currently
• 23:46
  Speaker 2: we are auto investing fifty dollars a month each for
• 23:49
  Speaker 2: them through Vanguard, and then we auto invest two hundred
• 23:53
  Speaker 2: dollars a month for us as well.
• 23:55
  Speaker 4: That's so cool. So you're doing it through Vanguard. And
• 23:59
  Speaker 4: did you decide to purchase a particular ETF? Have they
• 24:02
  Speaker 4: got matching portfolios or what does that look like?
• 24:05
  Speaker 2: So my husband and I our ETFs are just with
• 24:08
  Speaker 2: the Australian stock market, so I think it's the VASASX
• 24:12
  Speaker 2: that's a particular and then the boys we've just got
• 24:15
  Speaker 2: set on I think a moderate growth. I'm not entirely
• 24:17
  Speaker 2: sure of the specific details there, but I think in
• 24:20
  Speaker 2: the last twelve months their portfolio has gained about thirty dollars,
• 24:23
  Speaker 2: which has been pretty cool.
• 24:24
  Speaker 4: How good. So you just replicated your portfolio for them,
• 24:28
  Speaker 4: So everyone, I love that? How good? All right, now
• 24:33
  Speaker 4: I need to know all of that. Those are brilliant
• 24:36
  Speaker 4: money habits. But what's your worst money habit?
• 24:38
  Speaker 2: Oh? I'm a bit impulsive. It's a real name.
• 24:40
  Speaker 4: I don't hurry. Yeah, yeah, okay, So tell me more
• 24:43
  Speaker 4: about that. How does it impact day to day money life?
• 24:46
  Speaker 2: Oh? I struggle with a bit of a Yolow mindset.
• 24:49
  Speaker 2: Sometimes I see something I want and I'm like, oh,
• 24:52
  Speaker 2: I want that, and then I might just go and
• 24:54
  Speaker 2: buy it. It's a really bad habit. That's why I
• 24:56
  Speaker 2: try and do a lot of I guess shopping online
• 24:59
  Speaker 2: because look at it and go mmm, I'll just close
• 25:01
  Speaker 2: that tab and I'll left to begin tomorrow. But when
• 25:03
  Speaker 2: I'm actually at the shops and I'm probably not going
• 25:06
  Speaker 2: to come back for a few days or a few weeks,
• 25:07
  Speaker 2: I might just buy it on the spot. So I'm
• 25:10
  Speaker 2: trying to instill the putting twenty four hours between myself
• 25:14
  Speaker 2: and the purchase methodology, but that doesn't always work, especially
• 25:17
  Speaker 2: going into Christmas time.
• 25:19
  Speaker 4: Oh no, no, no, it's so hard. I resonate with that
• 25:22
  Speaker 4: so much. I'm more of a do as I say,
• 25:24
  Speaker 4: not as I do, kind of finance expert, you know,
• 25:26
  Speaker 4: like I'll give you all the tips and tricks, but
• 25:28
  Speaker 4: I've also got to be really honest that sometimes I'm
• 25:31
  Speaker 4: not that good at it, because it's not that exciting
• 25:34
  Speaker 4: having a finance expert that's perfect at money. But at
• 25:36
  Speaker 4: the same time, I'm like, but it's Christmas, it's coming up.
• 25:39
  Speaker 4: I'm going to need to get it, and I don't
• 25:40
  Speaker 4: want to have to get it in a week rush
• 25:42
  Speaker 4: up to Christmas like that just feels stressful. Like yeah,
• 25:45
  Speaker 4: I think I also need to be a little bit
• 25:47
  Speaker 4: more planned, but like I feel like it's ingrained in
• 25:50
  Speaker 4: us at the same time. So, now that we've had
• 25:53
  Speaker 4: a chat, I want to know more about this B
• 25:55
  Speaker 4: minus because it sounds like you're pretty set. What would
• 25:58
  Speaker 4: it take to get you to an A or an
• 26:01
  Speaker 4: A plus if I asked you what your money habits
• 26:03
  Speaker 4: were in the future, Like what steps are we taking
• 26:06
  Speaker 4: to get there?
• 26:06
  Speaker 2: I think I just need to cut the frivolous purchases,
• 26:09
  Speaker 2: to be honest. One of my really bad habits is
• 26:12
  Speaker 2: I'm an avid reader and I buy a lot of books,
• 26:15
  Speaker 2: and then I keep buying books, but I don't read
• 26:17
  Speaker 2: the books that I've already got, and I just.
• 26:18
  Speaker 4: Keep adding you and I are the same.
• 26:20
  Speaker 2: Yeah, it's a really toxic trade, unfortunately. Or I read
• 26:23
  Speaker 2: on my kindle and then I go and buy the
• 26:25
  Speaker 2: physical book from my bookshelf like a trophy.
• 26:27
  Speaker 4: Yeah, why do we like this? Literally say, if I
• 26:30
  Speaker 4: really like the book, I'm like, well, I want it
• 26:31
  Speaker 4: on my bookshelf.
• 26:32
  Speaker 2: Yep. Yeah. So I need to cut the frivolous spending,
• 26:35
  Speaker 2: I think, just because I get I'm trying to unsubscribe
• 26:38
  Speaker 2: from a lot of marketing emails at the moment, especially
• 26:40
  Speaker 2: we've just come out of like a splat Friday sales,
• 26:42
  Speaker 2: and I'm getting all the emails saying seventy percent off
• 26:45
  Speaker 2: store wide, and I just go and look online and
• 26:47
  Speaker 2: I'm like, oh, I don't need that, but I might
• 26:49
  Speaker 2: buy it anyway. So just really trying to be more
• 26:52
  Speaker 2: intentional with my purchases. I think you'll probably get me
• 26:54
  Speaker 2: up to it. A.
• 26:55
  Speaker 4: I love that. I actually have a website recommendation for
• 26:57
  Speaker 4: you that I have recently used. But I actually used
• 27:00
  Speaker 4: it probably like five or six years ago and it
• 27:02
  Speaker 4: worked really well. And this isn't sponsored, Just to be
• 27:05
  Speaker 4: really clear, this is just me being like, hey, this worked.
• 27:08
  Speaker 4: It's called unrolledt me and you like log into this
• 27:11
  Speaker 4: website and you put in your email details, which does
• 27:15
  Speaker 4: feel a little bit dodgy, but I have like looked
• 27:18
  Speaker 4: into this platform and it is secure, and then it
• 27:21
  Speaker 4: categorizes all of your marketing and bulk unsubscribes.
• 27:25
  Speaker 2: I need that.
• 27:25
  Speaker 4: Like it literally goes, hey, here's all of this. Do
• 27:28
  Speaker 4: you want to unsubscribe from it? And I like tick
• 27:29
  Speaker 4: the box and I'm like that was truly like hundreds
• 27:33
  Speaker 4: of different marketing emails and that worked really really well.
• 27:37
  Speaker 4: So I don't know it might be for you, but
• 27:39
  Speaker 4: that saved me a heap of time and also made
• 27:42
  Speaker 4: me feel really accomplished.
• 27:43
  Speaker 2: Excellent. No, I need to I think look into that
• 27:45
  Speaker 2: one to save myself some money as well.
• 27:46
  Speaker 4: Oh, I feel like the emails people are getting so
• 27:50
  Speaker 4: good at email marketing that I see something and I'm like, oh,
• 27:54
  Speaker 4: it's from my for example, recently, it's from my favorite
• 27:58
  Speaker 4: pajama brand. I don't need that, no worries. But then
• 28:01
  Speaker 4: I read the heading and I'm like, you've got me.
• 28:02
  Speaker 4: I need to click it. I need to read it.
• 28:04
  Speaker 4: You've got me, you win. It's a slippery slope. I
• 28:07
  Speaker 4: just need it not landing in my inbox. Money diarist.
• 28:11
  Speaker 4: I have adored this. I feel like this has been
• 28:13
  Speaker 4: really fun. I want to ask a little like a
• 28:16
  Speaker 4: little bit of a finisher question, because when you found
• 28:20
  Speaker 4: out you were pregnant with twins, you said you cried
• 28:22
  Speaker 4: all the way home from that appointment, and I feel
• 28:26
  Speaker 4: like that could be really disheartening, like it can feel.
• 28:29
  Speaker 4: And I'm assuming you didn't have other friends who had
• 28:32
  Speaker 4: twins and you were like, what is going on? If
• 28:35
  Speaker 4: someone is listening to this and they have either just
• 28:38
  Speaker 4: found out they were having twins or they are gonna
• 28:41
  Speaker 4: have babies in the future, what would be your advice?
• 28:45
  Speaker 4: What would you say? Are you gonna say, yeah, just
• 28:48
  Speaker 4: strap in, or you gonna say this is like really good,
• 28:53
  Speaker 4: or like what would your advice be to either current
• 28:56
  Speaker 4: potential twin mums or future twin moms?
• 28:59
  Speaker 2: I think as you said strap in buckle up. It's
• 29:02
  Speaker 2: a rollercroaster of a ride, but it's I think it's
• 29:05
  Speaker 2: really showed me just how strong I can be. We've
• 29:08
  Speaker 2: had some really tough times and also some really positive
• 29:10
  Speaker 2: moments as well. As they get older and you're sort
• 29:13
  Speaker 2: of coming out of the trenches, I suppose you could
• 29:15
  Speaker 2: say things do get a little bit easier. I always
• 29:19
  Speaker 2: found budgeting when you have to buy two of everything,
• 29:21
  Speaker 2: is very helpful. And if you have people that you
• 29:24
  Speaker 2: can lead on for support, whether it's just help with
• 29:26
  Speaker 2: the children or help financially. And that's not everyone's cup
• 29:29
  Speaker 2: of tea, but we're very lucky it was an option
• 29:31
  Speaker 2: for us. Then find your village if you've got one.
• 29:33
  Speaker 4: Good And is twins as fun as I seem to
• 29:36
  Speaker 4: think it is as a singleton parent.
• 29:38
  Speaker 2: I don't know it's cute dressing them in the same clothes.
• 29:41
  Speaker 2: We've identical twins.
• 29:43
  Speaker 4: It would be, it really would be.
• 29:45
  Speaker 2: Yeah, So dressing them in matching outfits is always fun.
• 29:48
  Speaker 2: But then I can't tell my own children apart sometimes, so.
• 29:51
  Speaker 4: Oh that is good to know, because I just assumed
• 29:54
  Speaker 4: that you'd inherently be able to do that. Do they
• 29:57
  Speaker 4: correct you? Are they at that age where they're like,
• 29:59
  Speaker 4: I'm not Bob, I'm then Yes.
• 30:01
  Speaker 2: Regularly we often get stopped in the street as well.
• 30:03
  Speaker 2: Just people are just curious about twins as well, so
• 30:05
  Speaker 2: that's always fun. I've been asking really weird questions over
• 30:08
  Speaker 2: the years about twins, so there's never a dull moment.
• 30:11
  Speaker 4: I feel like people would have a lot of audacity.
• 30:13
  Speaker 2: They do. Some of the questions I've been asked at
• 30:15
  Speaker 2: being intensely personal and just you never ask a regular
• 30:18
  Speaker 2: parent that.
• 30:19
  Speaker 4: Absolutely not. Oh, I feel like I would be googling
• 30:23
  Speaker 4: witty comebacks to be like, wait, you can see the
• 30:26
  Speaker 4: second one?
• 30:26
  Speaker 2: Yeah, some people say that, or it was like a
• 30:28
  Speaker 2: buy one, get one free promotion at the hospital or
• 30:30
  Speaker 2: things like that. Yeah.
• 30:32
  Speaker 4: Literally, I'd be like, bug off, I don't know you.
• 30:35
  Speaker 2: Yeah, people are just I don't know, they just forget
• 30:38
  Speaker 2: their filter when they see two or more babies. They
• 30:41
  Speaker 2: just look the same. It's just like a like a
• 30:43
  Speaker 2: really inherent curiosity in some people.
• 30:45
  Speaker 4: Well, I am very proud of you. I think you've
• 30:47
  Speaker 4: done an epic job, and it sounds like your kids
• 30:50
  Speaker 4: are going to grow up knowing a lot about money
• 30:52
  Speaker 4: and a lot about values and I think that that's
• 30:54
  Speaker 4: really really special. I have adored having this conversation with you,
• 30:58
  Speaker 4: and I just know that our community is and heart
• 31:00
  Speaker 4: love listening and getting to go on the journey of like,
• 31:03
  Speaker 4: oh what's that like? Because I mean, as a new mum,
• 31:06
  Speaker 4: the trenches are deep. I feel so much for you
• 31:11
  Speaker 4: having done it two times over at the same time,
• 31:14
  Speaker 4: like the relief I felt when I got to put
• 31:16
  Speaker 4: my Singleton baby down asleep knowing that there was a
• 31:19
  Speaker 4: second one. Oh my lord, your mental health might have
• 31:23
  Speaker 4: been out the window.
• 31:24
  Speaker 2: Yeah, we're working on the mental health still. That's okay. Yeah,
• 31:27
  Speaker 2: that's okay.
• 31:27
  Speaker 4: It's an ongoing journey for all of us. Thank you
• 31:30
  Speaker 4: so much. I have adored this.
• 31:32
  Speaker 2: Thanks Be.
• 31:39
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