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MONEY DIARIES: Carrying the Pressure & Bridging Two Worlds · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud your
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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
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Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
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Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming
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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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Speaker 1: and the storytelling of you to make a difference for
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Speaker 1: today and lasting impact for tomorrow.
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Speaker 2: Let's get into it.
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Speaker 3: She's on the Money, She's on the Money.
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Speaker 4: Hello, and welcome to She's on the Money the podcast
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Speaker 4: Millennials who want financial freedom. Welcome back to another shot
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Speaker 4: back money Diary Monday, where we get to chat to
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Speaker 4: one of our community members to learn about their life
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Speaker 4: and their story and their relationship with money and all
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Speaker 4: the juicy bits in between.
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Speaker 2: Victoria Jesse Car how are you. I am excited.
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Speaker 4: I have a really interesting diarist today. Let me tell
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Speaker 4: you all about them. They said, Hey, She's on the
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Speaker 4: Money team. Being a twenty two year old first gen
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Speaker 4: immigrant from Sri Lanka, my life has always revolved around finances.
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Speaker 4: My financial wellbeing has taken a dip in twenty twenty
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Speaker 4: two thanks to the compounding effect of trying to afford rent, study,
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Speaker 4: my master's in psychology, work three casual jobs, and all
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Speaker 4: the whilst dealing with the worst economic crisis my home
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Speaker 4: country has ever seen.
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Speaker 2: Holy Moly.
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Speaker 4: Like a lot of other immigrants, I find myself getting
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Speaker 4: caught between the struggle of wanting to live the twenty
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Speaker 4: two year old carefree life and the pressure of having
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Speaker 4: to have my shit together so I can provide for
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Speaker 4: my parents because they have no retirement funds. Whilst my
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Speaker 4: story is not unique, I feel like it's a valuable
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Speaker 4: discussion to have with this community and I can't wait
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Speaker 4: to share.
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Speaker 3: Well that's giving me groose bumps. Money Diarist, welcome to
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Speaker 3: the show. Thank you for joining us.
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Speaker 5: Thank you so much for having me. I really appreciate it.
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Speaker 2: Oh my god, don't be silly. I hate that you said.
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Speaker 3: Oh my money story isn't unique, Like yes, city is
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Speaker 3: that everybody's is. You might have some shared experiences, but
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Speaker 3: I promised nobody in this entire world has a matching
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Speaker 3: money story. It's kind of like a fingerprint. But how
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Speaker 3: about we get into it. I really want to hear
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Speaker 3: about this one. All right, money diarists, can you tell
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Speaker 3: us a little bit about your money story?
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Speaker 5: Okay, So I feel like I have a bit of
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Speaker 5: a anxious attachment to money, like a true sych but
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Speaker 5: this manifests an almost a scarcity mindset when it comes
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Speaker 5: to money, and that's probably heavily related to my childhood.
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Speaker 5: So for context, I am a twenty two year old
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Speaker 5: first gen immigrant from Sri Lanka and growing up, my
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Speaker 5: family would be classed's low income. So we grew up
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Speaker 5: receiving family benefits from you know, Centralink and youth Allowance,
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Speaker 5: which I just want to say, like, we're so privileged
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Speaker 5: to live in a country that has such good social security,
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Speaker 5: so very grateful for that. And my parents are really
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Speaker 5: you know, smart, skilled, hard working people. But because of
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Speaker 5: certain circumstances, my dad had to live in Sri Lanka
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Speaker 5: while my mom essentially raised us on her own in
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Speaker 5: Australia in a new country. Props to her so amazing
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Speaker 5: so in terms of family income, So even when Sri
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Speaker 5: Lanka wasn't going through a financial crisis, converting a Sri
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Speaker 5: Lankan salary to Australian dollars is obviously not that stellar.
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Speaker 5: And because my dad was the I guess, primary income earner.
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Speaker 5: And additionally, my mom had to retire early or stop
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Speaker 5: working early because she had a workplace injury, so she
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Speaker 5: was predominantly a stay at homer. So safe to say
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Speaker 5: that money was very tight growing up, and there was
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Speaker 5: a lot of rhetoric about being able to afford things,
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Speaker 5: and I was very very conscious of the concept of
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Speaker 5: money from a very young age. But I guess I'm
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Speaker 5: saying that, like, I'm really grateful for where I came from,
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Speaker 5: and I feel so blessed that everything that my parents
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Speaker 5: did for my sister and I, and I genuinely didn't
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Speaker 5: feel like I missed out on anything as a child.
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Speaker 5: It was more the sacrifice was on my parents' end.
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Speaker 5: You know, they kind of sacrifice living with their partner.
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Speaker 5: They didn't really indulge in any discretionary spending, you know,
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Speaker 5: buying clothes or going out to eat. But most notably,
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Speaker 5: they didn't invest into their financial future in the conventional
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Speaker 5: Australian way of you know, super and investments, So instead
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Speaker 5: they kind of funneled all their money into us and
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Speaker 5: our education and in a weird way where kind of
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Speaker 5: their investments and sometimes I feel like there's a huge
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Speaker 5: pressure to almost be a good return on that investment
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Speaker 5: and be able to take care of them financially and
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Speaker 5: help them retire and actually enjoy their life. So yeah,
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Speaker 5: that's kind of my money story in a nutshell.
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Speaker 2: Is your dad here now?
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Speaker 5: No, he still lives in Tri Lanka, so he's not
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Speaker 5: a citizen, whereas like the rest my sister, my mum
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Speaker 5: and I are So he.
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Speaker 4: My gosh, that must be so hard for you guys.
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Speaker 5: Yeah, it was pretty tough, especially for my mum, like
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Speaker 5: obviously being in a new country. At one point she
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Speaker 5: was working full time and trying to look after two toddlers,
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Speaker 5: which I just can't imagine how crazy that would have been.
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Speaker 5: So yeah, she's honestly done such an amazing job.
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Speaker 6: Wow.
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Speaker 3: Yes, it sounds like it is there any plan in
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Speaker 3: the future for him to join you guys, it's.
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Speaker 6: Kind of tricky.
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Speaker 5: I feel like eventually, yes, and I think it would
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Speaker 5: be easier for him, you know, to live here long term,
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Speaker 5: just because the rest of his family does. But in
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Speaker 5: terms of wrapping up kind of whatever's going on in
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Speaker 5: TL like right now and figuring that out. It's kind
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Speaker 5: of hard for him to move here. And also we're
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Speaker 5: kind of waiting till me and my sister get jobs
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Speaker 5: and we start earning an income, so if he does leave,
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Speaker 5: then we can kind of cover things.
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Speaker 3: Oh wow, that's such an intricate but special place to be.
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Speaker 3: I know it's not the ideal outcome, but like that
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Speaker 3: also feels like a lot of pressure on you money diarist.
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Speaker 5: Yeah, definitely a lot of pressure. But I've got my
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Speaker 5: sister to share the pressure with.
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Speaker 2: So totally all right.
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Speaker 3: I want to know you mentioned in your writing that
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Speaker 3: you have three casual jobs. What do you do for
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Speaker 3: work at the moment? How much money do you actually earn?
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Speaker 6: Great question.
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Speaker 5: So, as I said before, I'm a full time master's
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Speaker 5: student in like a psychology master's student, which takes up
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Speaker 5: most of my time between like clients and admin and classes.
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Speaker 5: So my main job would be something I picked up
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Speaker 5: in the middle of this year, which is essentially like
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Speaker 5: a tech job at my university, very random. My second
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Speaker 5: job is like casual academic work, so I teach a
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Speaker 5: couple of tutorials after hours and also mark student assignments.
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Speaker 5: And my third job is doing some casual like research
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Speaker 5: assistant work for the lab that I did my honors with,
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Speaker 5: which is really cool. But in terms of the actual number,
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Speaker 5: it's really hard to pinpoint because it can just vary
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Speaker 5: so vastly depending on how many shifts that I pick up.
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Speaker 5: But I kind of estimated between five hundred dollars to
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Speaker 5: one thousand dollars a week, and I would say collectively,
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Speaker 5: I probably wouldn't be earning more than thirty five to
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Speaker 5: forty thousand dollars in a year as a full time student,
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Speaker 5: but I'm very keen to finish studying and actually starting
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Speaker 5: a full time.
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Speaker 3: Wage understandably, So al right, I want to know. Sounds
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Speaker 3: like you're pretty clear on this, but what is big
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Speaker 3: money goal? What are you currently working towards?
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Speaker 5: So one of my more short term goals is to
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Speaker 5: save a bit of money so I can do some
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Speaker 5: solo travel after my masters, because I didn't really do
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Speaker 5: much of that when I was younger, so I think
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Speaker 5: that's a really important thing to like experience different cultures.
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Speaker 5: My second big money goal would be to, like many others,
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Speaker 5: like get an investment property one day, but honestly, the
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Speaker 5: idea of that, like navigating that space seems so daunting
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Speaker 5: because I don't really have any, like I guess, mentors
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Speaker 5: in that area. So that's kind of something that I
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Speaker 5: just am hoping for down the line, and I guess
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Speaker 5: the biggest one would be to earn enough to support
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Speaker 5: myself and also my parents.
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Speaker 3: Yeah, of course, of course, all right, next question, do
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Speaker 3: you currently invest?
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Speaker 5: Yes, I do have some investments, the best one being
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Speaker 5: super so I tried to contribut as much as I can,
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Speaker 5: and I think I have around fifteen thousand Tuck dawayne
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Speaker 5: there at the moment.
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Speaker 2: Who is she cas I you're working full time?
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Speaker 3: Masters has a massive investment portfolio that's unrelatable content, my love.
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Speaker 5: I've also got some stock investments as well, so I
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Speaker 5: think collectively, across a few platforms, I've got about fifty
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Speaker 5: seven thousand in there at the moment.
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Speaker 2: Wow, what oh my gosh, A queen.
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Speaker 4: A few other investments.
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Speaker 3: A couple, just a couple has a sneaky entire house
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Speaker 3: deploset plus some hidden away.
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Speaker 5: But like a huge disclaimer, I lived at home during
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Speaker 5: undergrad so even like paying bills and board, this does
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Speaker 5: not amount to how much it actually costs to live
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Speaker 5: out of home of course, So yeah, I'm very like
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Speaker 5: privileged to be able to but I'm proud of that amount.
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Speaker 5: And technically this is an investment, but I've got about
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Speaker 5: nine thousand in my emergency fund and that I feel
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Speaker 5: like is an investment in myself because it just helps
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Speaker 5: me sleep at night and knowing that if something went wrong,
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Speaker 5: there wasn't anyone that I could really rely on without
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Speaker 5: putting them in a worse financial position. So having that
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Speaker 5: buffer is just so important to me.
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Speaker 6: So I call it an investment.
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Speaker 3: I think it's an investment, absolutely, and I think it's
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Speaker 3: really special for you to be in that position because
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Speaker 3: I'm sure that's a position your parents would you know,
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Speaker 3: never have even dreamt of being in themselves, which would
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Speaker 3: I'm assuming make them so proud of you and know
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Speaker 3: that you're absolutely killing it and the sacrifices they've made,
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Speaker 3: is you know they're really paying off?
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Speaker 6: Yeah, I think they are.
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Speaker 5: I think they are pretty proud, which is Yeah, it's
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Speaker 5: a nice.
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Speaker 3: Feeling, understandably. So al right, money diarist, I want to know.
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Speaker 3: I think the answer to this, Jessica is a no.
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Speaker 3: But do you currently have any debts? I don't have
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Speaker 3: any personal debt or like credit card debt. But I
10:59
Speaker 3: do have quite a hefty amount of HEX debt because
11:02
Speaker 3: obviously studying psych. So it's currently sitting at thirty four
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Speaker 3: thousand at the moment, thanks indexation, but it will actually
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Speaker 3: go up to thirty eight thousand once I finished my masters.
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Speaker 2: Yeah.
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Speaker 5: Yeah, so that's a bit stressful, but it could have
11:18
Speaker 5: been worse. I got lucky with this CSP funded place,
11:21
Speaker 5: but I definitely know lots of psych people who have
11:23
Speaker 5: like HEX sets nearing the hundred thousand dollar mark.
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Speaker 3: Because cough, Victoria divine.
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Speaker 6: So yeah, it's such a long process.
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Speaker 3: Oh my love, I feel you like, it feels like
11:37
Speaker 3: a lot, And I now don't worry about it at
11:40
Speaker 3: all because I feel like I have a way better
11:42
Speaker 3: education on it. But when I did my undergraduate degree
11:45
Speaker 3: that added up. Then I did my postgraduate, then I
11:48
Speaker 3: did a master's, and then I've gone back and done
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Speaker 3: some random other things, and like, we're currently sitting at
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Speaker 3: one hundred plus thousand dollars and that gives me mad
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Speaker 3: anxiety when I look at it, because I hate the
11:57
Speaker 3: idea of debt. But at the same time, I'm like, no,
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Speaker 3: it's got me here, Like we've been doing pretty well
12:02
Speaker 3: so far. Yeah, And you know, I guess reframing that
12:05
Speaker 3: really helps because as much as it's a debt that
12:08
Speaker 3: doesn't carry any interest, which is nice, it does still
12:11
Speaker 3: have indexation, so we do have to be careful of it.
12:14
Speaker 3: But at the same time, I get why it's not
12:16
Speaker 3: a priority for most people to pay off because I'm
12:19
Speaker 3: not making it a priority because it hasn't gotten in
12:22
Speaker 3: my way of creating wealth or buying a house. And
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Speaker 3: I like the idea that if I wasn't making any
12:27
Speaker 3: income at all, they're not going to chase me for it,
12:30
Speaker 3: whereas that is not the case with a mortgage or
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Speaker 3: a personal loan. Money diarist, I need to know you
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Speaker 3: sound pretty savvy. Do you currently use shopback?
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Speaker 6: Yes? I do. I've been using this, of.
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Speaker 2: Course she does, Yes, now a couple of years. Of
12:43
Speaker 2: course you do.
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Speaker 5: I checked my lifetime earning that it was one hundred
12:47
Speaker 5: and eighty dollars rich.
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Speaker 6: Yeah, I'll take that.
12:50
Speaker 3: That has a lot of cash like that is a
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Speaker 3: shopping spray on the iconic for me.
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Speaker 2: What was your last shot back purchase?
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Speaker 6: Was it? I think it was something from the I
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Speaker 6: kind of actually.
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Speaker 2: Yeah, relatable content I love to say it.
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Speaker 3: All right, next question, I feel like you're gonna have
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Speaker 3: a really good tip for us here. What is your
13:08
Speaker 3: best money habit?
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Speaker 5: I would say my best money habit is, if I
13:12
Speaker 5: do say so myself, my work ethic and discipline when
13:16
Speaker 5: it comes to earning and saving money. I've been working
13:19
Speaker 5: since the age of twelve with like netball, umpiring and whatnot,
13:24
Speaker 5: and I've taken a couple of years break in like
13:28
Speaker 5: later high school. But yeah, working since the age of
13:31
Speaker 5: twelve and kind of saving always been a good saver,
13:36
Speaker 5: full credit to my parents. But I'm also I feel
13:38
Speaker 5: very disciplined when it comes to spending money on things.
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Speaker 6: That I really value.
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Speaker 5: So, for example, I don't really value eating out as much,
13:48
Speaker 5: so I'm really good at like making my food at
13:49
Speaker 5: home and taking it to work in school. But on
13:53
Speaker 5: the other hand, I really value like living in a
13:55
Speaker 5: really nice space that's like close to UNI and work,
14:00
Speaker 5: and also really value the gym, so I'll spend a
14:03
Speaker 5: bit more on those things, but then I'll save one
14:05
Speaker 5: things that I don't really care too much about.
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Speaker 6: Yeah.
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Speaker 2: No, that makes absolute sense.
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Speaker 3: And I feel like this is a really common theme,
14:14
Speaker 3: Jess that we see in a lot of our money.
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Speaker 3: Diarist kids of immigrant parents are absolute queens with money,
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Speaker 3: Like they just are so good and I feel like
14:23
Speaker 3: have such wholesome values and have parents that just go
14:27
Speaker 3: above and beyond for them. And you guys need way
14:30
Speaker 3: more credit because we have so much to learn from you.
14:34
Speaker 3: On the flip side, what is something we don't want
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Speaker 3: to learn from you? What is your worst money have it?
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Speaker 5: I guess I touched on this in the intro in
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Speaker 5: the letter that I wrote, But my worst money habit
14:44
Speaker 5: would be I don't know if it could be classed
14:47
Speaker 5: as a money habit, but it's the level of guilt
14:50
Speaker 5: that I feel when I spend money on discretionary things,
14:54
Speaker 5: knowing that there are people in worse situations that are
14:58
Speaker 5: struggling to make it out, just make it out here.
15:02
Speaker 5: And yeah, just the guilt of spending things that are
15:05
Speaker 5: not seen as like productive or actually contributing to anything.
15:13
Speaker 5: It's just very stressful and like you want to assimilate
15:16
Speaker 5: and kind of do all these like really fun things
15:18
Speaker 5: and go traveling and whatnot, but then you also think about, Okay,
15:22
Speaker 5: that money could be allocated to you know, family, you
15:25
Speaker 5: might need it more or back into your future to
15:28
Speaker 5: give yourself that financial backing. So the guilt that I
15:32
Speaker 5: feel whenever I do spend money on Like I spent
15:35
Speaker 5: like one hundred dollars in a night out the other week,
15:37
Speaker 5: and yeah, I just respiraling just thinking about how much
15:43
Speaker 5: money that I kind of just blew like that.
15:46
Speaker 2: So how are you working through that?
15:49
Speaker 3: Because I feel like that's a really big piece of
15:51
Speaker 3: the puzzle for a lot of people in your situation,
15:55
Speaker 3: because you know, I understand the guilt. I totally get it,
15:58
Speaker 3: especially when it's so I mean, every single one of
16:01
Speaker 3: us has that on us though, like you know, there
16:03
Speaker 3: is always quoite, a better.
16:05
Speaker 2: Thing to spend it on. Does it mean you shouldn't
16:07
Speaker 2: spend it.
16:07
Speaker 3: Absolutely not, But I would love to know are you
16:10
Speaker 3: working through that? Is that something that you're like, oh,
16:13
Speaker 3: like I haven't really addressed it. I mean, you're working
16:16
Speaker 3: in psych you're doing your master's. Is this something you've
16:18
Speaker 3: spoken to someone about, Like I feel like this is
16:21
Speaker 3: a really big thing that we need to talk about
16:24
Speaker 3: more in our community.
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Speaker 6: That's a really.
16:27
Speaker 5: Good question, and I try to remind myself that it
16:32
Speaker 5: is okay. And I think even the decision to kind
16:35
Speaker 5: of so I moved from my home States, so I
16:38
Speaker 5: used to live in Victoria and I moved to like
16:43
Speaker 5: Brisbane to kind of challenge the idea that I always
16:46
Speaker 5: have to take the route that is going to be
16:50
Speaker 5: like the cheapest or I'm going to like save the
16:51
Speaker 5: most money, and that I could you know. Yeah, So
16:54
Speaker 5: I've kind of taken actions that will force me to
16:57
Speaker 5: spend more money but allow me to kind of grow
17:01
Speaker 5: in other ways and see that I guess the benefit
17:04
Speaker 5: of spending money in certain situations, like for example, on
17:07
Speaker 5: that night out. Yes it wasn't productive, but I really
17:10
Speaker 5: had a really good time and it set me up
17:12
Speaker 5: for like a good week. So trying to reframe things
17:15
Speaker 5: like that, but it's definitely easier so than done.
17:18
Speaker 2: Oh one hundred percent.
17:20
Speaker 3: I totally get it, And I mean it all goes
17:22
Speaker 3: back to you being able to be your best self,
17:25
Speaker 3: because when you're your best self, you can fill other
17:27
Speaker 3: people's cups in the best possible way. And if you
17:30
Speaker 3: feel really constricted, that ultimately is going to lead to
17:34
Speaker 3: some form of burnout or tiresome or you might feel
17:37
Speaker 3: some level of, you know, being overwhelmed with the responsibility
17:41
Speaker 3: that's on you. So I think we need to find
17:43
Speaker 3: a happy balance. But I do think it's quite normal
17:45
Speaker 3: to want to talk about it as well and go oh,
17:48
Speaker 3: I feel so guilty. But also you shouldn't, my love,
17:51
Speaker 3: like you are doing the best that you possibly can.
17:53
Speaker 3: In fact, you're doing way more than most of us.
17:56
Speaker 3: So always always look back at that money dire. If
18:00
Speaker 3: we forced you to give yourself a money grade, what
18:02
Speaker 3: would you rate your money habits?
18:04
Speaker 5: I would probably give myself an A. You know, I
18:06
Speaker 5: think I've developed some good money habits over my life. Yeah,
18:10
Speaker 5: there's some like skills and goals that I need to
18:14
Speaker 5: work towards, but I think I've done Okay, I would.
18:17
Speaker 2: Not agree more, my love.
18:19
Speaker 3: All right, let's go to a quick break, and right
18:21
Speaker 3: after the break, I want to dive a little bit
18:23
Speaker 3: more into your money story.
18:24
Speaker 2: Don't go anywhere.
18:30
Speaker 4: Welcome back to She's on the money and money Diaris.
18:33
Speaker 4: I want to start by adding a little bit of
18:35
Speaker 4: additional context, if that's okay. You mentioned in your letter.
18:38
Speaker 4: Obviously there's a really severe economic crisis going on right
18:42
Speaker 4: now in your home country of Sri Lanka. For anyone
18:44
Speaker 4: who's not familiar or hasn't been kind of keeping up
18:47
Speaker 4: with that, can you just give us a really, I guess,
18:50
Speaker 4: high level summary of what's going on and how that
18:52
Speaker 4: has kind of then impacted your family and what you
18:56
Speaker 4: guys have been going through.
18:57
Speaker 5: Absolutely, So Sri Lanka is basically going through their worst
19:02
Speaker 5: financial crisis, so they declared bankruptcy. And what's kind of
19:07
Speaker 5: happening is people are struggling to get access to essential goods.
19:12
Speaker 5: They're like food, fuel, and medicines. People are experiencing daily
19:17
Speaker 5: power cuts for like twelve to thirteen hours because of
19:21
Speaker 5: resource shortages. I remember a couple of weeks ago, I
19:24
Speaker 5: was trying to speak to my granddad but he could
19:27
Speaker 5: only spare like a few minutes because he had to
19:29
Speaker 5: reserve like his phone battery in case, like there was
19:32
Speaker 5: an actual emergency or he had to use it for
19:35
Speaker 5: other reasons.
19:36
Speaker 6: So, yeah, it's.
19:38
Speaker 5: Incredibly sad to see, you know, especially so many kids
19:42
Speaker 5: that are at school trying to learn and they can't
19:45
Speaker 5: because they're like paper shortages, power cuts, and they obviously
19:49
Speaker 5: really do want to learn a lot of them. The
19:51
Speaker 5: inflation rate is at seventy percent I think that was
19:55
Speaker 5: in September, which is crazy to even fathom. And the
20:00
Speaker 5: andy has also like plummeted, worsening the financial situation of
20:05
Speaker 5: many families, including myself because obviously my dad still lives there,
20:09
Speaker 5: Most of my family on my mom's side still lives there,
20:12
Speaker 5: and so yeah, it's just looking pretty grim in terms
20:18
Speaker 5: of how they're gonna come back from that, and especially
20:22
Speaker 5: because businesses can't really operate when there are these power
20:26
Speaker 5: cuts and there are these shortages, and people aren't getting
20:30
Speaker 5: the right nutrition or their basic needs aren't being met.
20:33
Speaker 5: So yeah, a lot of people are definitely negatively affected
20:37
Speaker 5: by this, and I don't really know what the solution
20:39
Speaker 5: would be.
20:40
Speaker 4: It's absolutely awful, and I think we definitely, I absolutely
20:44
Speaker 4: am guilty of forgetting how privileged we are here. You know,
20:48
Speaker 4: we've been talking about our rates rises and you know,
20:50
Speaker 4: inflation here and we're like, oh my gosh, it's so bad,
20:53
Speaker 4: and then you look to somewhere actual anker and you're like,
20:56
Speaker 4: it's seventy percent. Like how can anybody even afford to
20:59
Speaker 4: be a love, let alone to do anything or enjoy
21:02
Speaker 4: their life on any level? You know, you said before
21:05
Speaker 4: that it's really tricky obviously with everything going on, getting
21:08
Speaker 4: your dad and the rest of your family back over here.
21:11
Speaker 4: How has that I guess kind of impacted the choices
21:15
Speaker 4: that you have made and that your sister have made,
21:17
Speaker 4: because you've said the investment that they ultimately made within
21:20
Speaker 4: you guys and in your education, And that's a big
21:23
Speaker 4: way to carry on your shoulders to know that the
21:27
Speaker 4: future of your families, I guess kind of resting on you.
21:30
Speaker 4: And then overlaid over the top of that, there's obviously
21:33
Speaker 4: all of the anxiety you must be feeling around their
21:36
Speaker 4: safety and their well being and can they access food
21:38
Speaker 4: and water and things that no one should ever have
21:41
Speaker 4: to worry about. Has that shaped the choices that you
21:44
Speaker 4: have made for yourself in terms of your career and
21:47
Speaker 4: the opportunities that you're trying to seek out.
21:50
Speaker 5: Definitely, I think I don't know if the christ has
21:54
Speaker 5: happened like earlier, I don't know if I would have
21:57
Speaker 5: even moved into States, So yeah, I think that would
22:02
Speaker 5: have really impacted my decisions and changed my priority just
22:08
Speaker 5: because it was more expensive and my money could have
22:11
Speaker 5: been put to better use, I guess. So yeah, In
22:16
Speaker 5: terms of now, it's me just trying to make sure
22:18
Speaker 5: that I can finish my education as soon as possible
22:22
Speaker 5: and look for full time work and not really taking
22:28
Speaker 5: a break. I suppose I wonder when and if I
22:31
Speaker 5: will burn out at some point, which is yeah, but
22:34
Speaker 5: just trying to finish things as soon as possible and
22:36
Speaker 5: not really you know, it's filling my day with either
22:40
Speaker 5: work or UNI and just working like seven days a week,
22:43
Speaker 5: trying to do everything so it doesn't take me extra
22:47
Speaker 5: time that I don't really have because obviously my parents
22:50
Speaker 5: are getting older as well, and like my granddad as well,
22:54
Speaker 5: like trying to figure out how we can look after everyone.
22:58
Speaker 5: So it's it's very much that like collectivist culture as well,
23:02
Speaker 5: where you don't really think about yourself and you have
23:04
Speaker 5: to think about the whole family unit and what that
23:06
Speaker 5: looks like.
23:07
Speaker 6: So I hope that kind of.
23:08
Speaker 4: Is that's a big sacrifice from you to give up
23:12
Speaker 4: not your use. That sounds very dramatic, but you know,
23:14
Speaker 4: to give up things that you want to do. You
23:16
Speaker 4: said you want to travel and you want to live
23:18
Speaker 4: your care free life. To give that up and go, oh, like,
23:21
Speaker 4: I probably am going to burn out and I'm just
23:23
Speaker 4: going to have to deal with that when that comes.
23:25
Speaker 4: That's a lot for you to take on and for
23:27
Speaker 4: your sister as well to take on. I can't imagine
23:29
Speaker 4: how hard it is, but it's very impressive that you
23:32
Speaker 4: guys are doing everything that you can and that you
23:34
Speaker 4: still seem so positive and so happy, and yeah, I
23:37
Speaker 4: just can't imagine being in that situation.
23:39
Speaker 3: It's a lot you kind of want to articulate it
23:42
Speaker 3: as that's a really big burden to carry. But I
23:44
Speaker 3: would never want people to feel like their parents or
23:47
Speaker 3: their family is a burden. But you know what I'm
23:49
Speaker 3: getting to, like, it's kind of like, yeah, it's this
23:51
Speaker 3: weight that you carry, but it's like obviously a choice
23:54
Speaker 3: as well, Like there's an element of this isn't a choice,
23:56
Speaker 3: but also it's a total choice. And I just think
23:58
Speaker 3: that that's really beautiful that you, I guess, lean into
24:01
Speaker 3: that and you clearly are so on that train of
24:03
Speaker 3: like I want to help my family, I want them
24:06
Speaker 3: to be in this position. I just I really admire that.
24:09
Speaker 3: I have a lot of respect for it and anyone
24:11
Speaker 3: else who's going through that circumstance. It's just so damn impressive.
24:15
Speaker 4: Yeah, thanks, just out of curiosity.
24:17
Speaker 2: When do you graduate.
24:18
Speaker 5: I'll graduate at the end of next year, so I've
24:21
Speaker 5: finished my masters.
24:22
Speaker 3: That is very exciting. Tell me about what type of
24:24
Speaker 3: job you want after your masters. Obviously there's like, what
24:27
Speaker 3: is there seven streams of psychology? Which one are you
24:29
Speaker 3: going into?
24:30
Speaker 2: My love?
24:31
Speaker 5: So I'm in the edend of education and developmental stream
24:34
Speaker 5: at the moment, I don't know. I'll be doing X
24:36
Speaker 5: and ships next year, so I think i'll get a
24:39
Speaker 5: better idea of what I'm actually into. I don't think
24:42
Speaker 5: it will be private practice. I feel more community based work.
24:49
Speaker 5: But honestly, yeah, I have no idea.
24:53
Speaker 6: I thought i'd figure it out.
24:55
Speaker 3: You have heaps of time and thankfully studying psychology. There
24:59
Speaker 3: are so many different options. I think I've spoken about
25:02
Speaker 3: it on the podcast. I thought I was going to
25:03
Speaker 3: be a counseling psychologist, and then I ended up going
25:06
Speaker 3: into organizational psychology, which I didn't even know existed. Before
25:10
Speaker 3: I started psychology, I was like, what do you mean
25:12
Speaker 3: the science of people at work?
25:14
Speaker 2: That's not a thing.
25:15
Speaker 3: So there are just so many different ways to use
25:17
Speaker 3: a psych degree. And look at me now, I'm not
25:20
Speaker 3: even in psychology, but I use it literally every single day.
25:24
Speaker 3: So there will be something, I promise, And I can't
25:26
Speaker 3: wait for you to find something that you love and
25:29
Speaker 3: that you adore. And that you feel like you have
25:30
Speaker 3: a really big impact in because I think that most
25:33
Speaker 3: people who do psych they do it because they want
25:35
Speaker 3: to fix things and they want to, you know, have
25:37
Speaker 3: an impact in this world, and it just is another
25:40
Speaker 3: testament to how much of a special human you are.
25:43
Speaker 3: So thank you for joining us Money Diarist.
25:46
Speaker 6: Thank you for having me on.
25:47
Speaker 2: Oh my gosh.
25:48
Speaker 4: Of course, before we let you go, I'm sure that
25:51
Speaker 4: there will be a lot of people listening to this
25:52
Speaker 4: episode who might be hearing about the economic crisis for
25:55
Speaker 4: the first time and might be wondering what they can
25:57
Speaker 4: do to help. Are there any resources or charities or
26:00
Speaker 4: anything that you could recommend people look into if they
26:04
Speaker 4: are wanting to help out.
26:05
Speaker 5: Yeah, there's a few different fundraisers, and also I know
26:08
Speaker 5: of a lot of local artists that have been creating
26:12
Speaker 5: some like merch and the proceeds go to people in
26:17
Speaker 5: Sri Lanka. So I could potentially actually send you guys
26:20
Speaker 5: some links to thing.
26:22
Speaker 2: Yeah, that would be great. We'll put them in the
26:24
Speaker 2: show notes.
26:25
Speaker 6: Yeah, that'd be good. That'd be awesome.
26:26
Speaker 3: Yeah, that'd be so great. So Sense of Links will
26:29
Speaker 3: make sure that they're in their show notes. So if
26:31
Speaker 3: anyone wants to give a helping hand or even just
26:33
Speaker 3: do some more research and become more educated on this.
26:36
Speaker 3: There will be a few links in the show notes,
26:38
Speaker 3: so definitely check them out. But with that, I think
26:41
Speaker 3: that is a beautiful place to leave it. Money Dirist,
26:43
Speaker 3: thank you for joining us, and as always jessic Ricci,
26:46
Speaker 3: it has been a pleasure doing another money diary with you.
26:49
Speaker 2: See you guys on Wednesday, See you then.
26:57
Speaker 3: The advice shared on Cheese on the Money is generally
26:59
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