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FRIDAY DRINKS: Accidental Sushi · She's On The Money

0:00
Speaker 1: She's on the Money. She's on the Money.
0:23
Speaker 2: Hello and welcome. She's on the Money, the podcast for
0:26
Speaker 2: millennials who want financial freedom. Welcome back to another one
0:30
Speaker 2: of our Friday Drinks episodes, where our team get together
0:33
Speaker 2: every single week and have a drink and talk about
0:35
Speaker 2: the successes of our community. This week, we had a
0:39
Speaker 2: very exciting week. It was the start of accountability August
0:41
Speaker 2: and we're going to dive into chatting about that because
0:43
Speaker 2: I know Jess is super excited. I know you are.
0:47
Speaker 2: You literally haven't stopped talking about it. But Tony, before
0:50
Speaker 2: we do that, what happened in our money dirry this week?
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Speaker 3: Our money Diary this week was someone who is still
0:56
Speaker 3: living at home and she acknowledged that she was very
0:58
Speaker 3: lucky to do that and planned to backpack around Europe
1:03
Speaker 3: over the last two years. But hashtag COVID so she's
1:05
Speaker 3: got all this money saved, and she was like, you
1:07
Speaker 3: know what, I really want to work for an agency,
1:09
Speaker 3: a creative agency.
1:11
Speaker 4: So she started one herself.
1:13
Speaker 2: As you do, like as you do, you just I
1:16
Speaker 2: want to work in that field.
1:17
Speaker 5: I'm just do it.
1:18
Speaker 2: Just create it problem solving.
1:19
Speaker 3: Yeah, create our own opportunities and our money direst has
1:22
Speaker 3: started that with a few friends, which is really really cool,
1:24
Speaker 3: and it was nice hearing somebody you know killings.
1:29
Speaker 2: Yeah, yeah, I love that. She was like, oh no,
1:31
Speaker 2: we just decided it was a good idea, so we
1:33
Speaker 2: went for it. Yeah, Like it's creative. Like it's one
1:36
Speaker 2: of those things where I think people always assume that
1:39
Speaker 2: to start your own business you need a million years
1:41
Speaker 2: of experience and then you dive out and do it.
1:44
Speaker 2: But sometimes, especially in those creative fields, you can just say, well,
1:48
Speaker 2: actually I'm a really creative person, or I'm really funny,
1:51
Speaker 2: or I'm really talented, and you just start from the
1:53
Speaker 2: bottom there. And I think that there's a lot of
1:55
Speaker 2: merit to that as well.
1:57
Speaker 3: Yeah, she's doing well, and don't you worry, Ryan. I
2:00
Speaker 3: steid her right on over to the Business Bible. She
2:02
Speaker 3: said she's listened to it to all the episodes.
2:05
Speaker 4: Very exciting.
2:06
Speaker 5: Yeah.
2:06
Speaker 2: We tried to introduce it to her, but she was like, oh,
2:08
Speaker 2: I can already do it for you, and we're like, oh, okay,
2:11
Speaker 2: can we.
2:11
Speaker 5: Help it all? Nah, Okay, thanks for your uch.
2:15
Speaker 3: You guys some pointer as though.
2:18
Speaker 2: All right, and Jess what happened in our deep dive
2:20
Speaker 2: this week.
2:21
Speaker 6: So on Wednesday, you and g spoke all about debt consolidation,
2:25
Speaker 6: which I had a lot of fun with. Yeah, and
2:27
Speaker 6: for those who don't know, debt consolidation is essentially when
2:29
Speaker 6: you have a whole bunch of debts at different places,
2:31
Speaker 6: or to different businesses or on different cards, you bundle
2:34
Speaker 6: them all on up into one more manageable debt repayment.
2:38
Speaker 2: However, clearly listened to the episode you no I did.
2:41
Speaker 6: However, there are a whole bunch of different considerations that
2:44
Speaker 6: you need to think about when you're doing that, because
2:46
Speaker 6: you may have to declare bankruptcy or there are a
2:48
Speaker 6: whole bunch of different things. And so you spoke about that,
2:51
Speaker 6: the how, the why.
2:52
Speaker 2: I mean, I'd say that you may have to declare
2:54
Speaker 2: bankruptcy as maybe the most dramatic of those things that
2:58
Speaker 2: you might have told. Okay, well that's your main takeaway,
3:03
Speaker 2: but maybe maybe a little lighter. But in the next
3:06
Speaker 2: few weeks, we're going to have an entire episode on
3:09
Speaker 2: bankruptcy coming up. I think it'll be more of an
3:11
Speaker 2: education piece than how.
3:13
Speaker 6: To piece, and that'll be, I believe, in two weeks,
3:16
Speaker 6: So stick around for that one.
3:17
Speaker 2: If you're interested. I think it'll be really interesting to
3:19
Speaker 2: learn about. Yeah, absolutely getting off bankruptcy, though, because it's
3:23
Speaker 2: not this week's topic, Jessica, let's talk to Ryan, who
3:26
Speaker 2: seems to be really impressed with the drink that we've got.
3:29
Speaker 5: Well, we've got Brookvale Union vodka and peach iced tea.
3:32
Speaker 2: How do we raid it? So stoked with this one.
3:34
Speaker 5: Every one seems pretty tough with it. I like Brookvale
3:36
Speaker 5: Union the brand because they make a ginger beer that
3:39
Speaker 5: I like. So when I saw Brookvale Union come out,
3:40
Speaker 5: they do a bunch of funky stuff. I know Tony's
3:42
Speaker 5: over there nodding saying bad words that won't make the
3:44
Speaker 5: on air edition of this podcast, I really like it.
3:48
Speaker 4: I'm a big fan of iced tea full stop.
3:51
Speaker 2: So yeah, I can definitely see this one over a
3:53
Speaker 2: tall glass of ice in the middle of summer being
3:56
Speaker 2: an absolute winner for sure.
3:58
Speaker 5: As we're here in the first week of August.
3:59
Speaker 2: And it's I'm planning for the future, guys, it's the future.
4:04
Speaker 5: Me look in the head. We're feeling good.
4:05
Speaker 2: Speaking of feeling good, can you run us through the
4:07
Speaker 2: money wins of the week?
4:09
Speaker 5: All right? Elna. Eleven months ago she hit her savings
4:12
Speaker 5: goal of ten thousand dollars. As you said, I want
4:14
Speaker 5: to buy a house. I'm setting some new goals. Eleven
4:17
Speaker 5: months on from ten thousand, she now has thirty five.
4:23
Speaker 5: That is really well done, Elena, she's saving for a house.
4:26
Speaker 5: Hailey just reached. Now I think this might be a
4:28
Speaker 5: she's on the money record, Hailey, I've just reached my
4:31
Speaker 5: goal of an emergency fund of ten thousand dollars.
4:35
Speaker 2: Wow, yes, Why is it a I don't think I've.
4:38
Speaker 5: Heard I just most emergency funds, not that there's rules,
4:42
Speaker 5: but like there are always like two grand five. I
4:44
Speaker 5: don't think i've heard a ten grand emergency fund before.
4:46
Speaker 2: I have make one in a while, but I feel
4:48
Speaker 2: like that's a pretty solid number for a lot.
4:49
Speaker 5: Of huge I'd feel very secure.
4:52
Speaker 2: I hear that a lot in my budget and Cashley
4:54
Speaker 2: master classes kind of like people feel really secure because
4:57
Speaker 2: it's like the first number that's five figures. They're like, no,
5:01
Speaker 2: if I've got five figures in the bank of mine,
5:03
Speaker 2: And it definitely is a really confidence boosting piece but
5:07
Speaker 2: maybe unrelatable for some, but like a massive goal for
5:10
Speaker 2: her and just to know she's got that financial freedom,
5:14
Speaker 2: I'm envious.
5:15
Speaker 5: She said, though ten thousand is all I want for
5:17
Speaker 5: my emergency fund, so all my savings from now on
5:20
Speaker 5: to going straight into investments. That's awesome, Felicity, And can
5:25
Speaker 5: I just say a silver lining, Felicity, just the great
5:28
Speaker 5: mindset here, because not so fun Incydy at the moment
5:30
Speaker 5: with lockdown. But Felicity says, not working as much because
5:34
Speaker 5: of lockdown in Sydney. But I'm saving a fortune on
5:36
Speaker 5: childcare fees because usually I'll be going to work and
5:39
Speaker 5: they'll be paying all these fees. You're so expensive, too unbelievable,
5:43
Speaker 5: like some people, I mean this episode on that people
5:46
Speaker 5: go to work and end up earning ten bucks for
5:48
Speaker 5: the day by the time they've paid for just break even.
5:51
Speaker 2: Yeah, I have colorful opinions on that. That's sometimes it's
5:53
Speaker 2: worth still doing it even though you're taking home ten dollars.
5:56
Speaker 2: Like I think we've covered it in a podcast. Don't
5:59
Speaker 2: remember this rant, but I definitely believe in still going
6:02
Speaker 2: to work even if you do come out with only
6:05
Speaker 2: ten dollars in profit each week, because you know, obviously
6:08
Speaker 2: childcare is expensive, but the benefit of staying in the
6:10
Speaker 2: job market and keeping your skills relevant and keeping your
6:12
Speaker 2: mental health in check for your confidence. Yeah, I think it's.
6:15
Speaker 5: Really important just having adult conversations. Yeah, there's actually another
6:20
Speaker 5: win related to that coming up, but Felicite said, double win.
6:23
Speaker 5: I obviously get to spend more time with my little
6:25
Speaker 5: ones because we're all home together during the day.
6:27
Speaker 4: She's like, oh, by the way, also spending time with
6:29
Speaker 4: my kids.
6:30
Speaker 2: Way. I felt the same way in Lockdown with my cat.
6:33
Speaker 2: Oh my gosh, I was going to say the same
6:35
Speaker 2: thing about my dog, but I was like, oh, people
6:37
Speaker 2: won't like me comparing it to a child, but there
6:39
Speaker 2: are children on the jairs literally.
6:41
Speaker 5: Now, Danika another silver lining story from what could have
6:45
Speaker 5: been not such a great tale. She's just broken up
6:47
Speaker 5: with her partner and the partners sorry.
6:49
Speaker 4: About that, Danna Carr.
6:50
Speaker 2: They were probably really sucky.
6:51
Speaker 5: Anyway, I agree she's better off. She's won that one now,
6:54
Speaker 5: she said. On the plus side, though, they contributed the
6:57
Speaker 5: fridge to our relationship and I kept it.
7:01
Speaker 4: That's good. I liked the.
7:03
Speaker 5: Ultimate power move, she said. I didn't really need it,
7:05
Speaker 5: so I sold it on the weekend on Facebook Marketplace
7:07
Speaker 5: for one hundred and sixty dollars.
7:08
Speaker 2: Thank you for the woman asked Jess as hush all right.
7:12
Speaker 5: Mandy said she found some real Louis Batons in an
7:16
Speaker 5: op shop in a small, tiny farm town in out
7:18
Speaker 5: back West in Australia. Wow. Wow, between v and Jess,
7:21
Speaker 5: who was our shoes correspondents, how much we looking at
7:27
Speaker 5: for a pair of Louis Baton's Victoria Devine?
7:29
Speaker 3: Oh?
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Speaker 2: Between eight hundred and twelve hundred dollars, I would say
7:31
Speaker 2: on their preach.
7:32
Speaker 5: Want to have a guess about the op shop in
7:34
Speaker 5: this small, tiny farming town twelve dollars?
7:37
Speaker 2: I'm going to say, do they know the value of it?
7:41
Speaker 2: Hold on on inkling, do they think they like? Have
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Speaker 2: they priced it in line with the value or did
7:46
Speaker 2: they just think there are another pair of op shop shoes.
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Speaker 5: As much as I'm proud of the research I do,
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Speaker 5: I didn't actually call the op shop just to get
7:52
Speaker 5: five of what the owners?
7:53
Speaker 2: No, no, no, not what they said. You're going to
7:54
Speaker 2: know from the pricing that they knew what that item was,
7:57
Speaker 2: or they the.
7:58
Speaker 5: Person who bought it knew was worth a lot more.
7:59
Speaker 5: Because she was bragging about it hard and she's on
8:01
Speaker 5: the money Facebook group and put some photos in and
8:03
Speaker 5: stuff as well.
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Speaker 2: I'm going to say thirty dollars the winner.
8:08
Speaker 5: If my math is right, and I can't remember what
8:09
Speaker 5: Jess said it she paid twenty dollars Jess as the winner. Well,
8:11
Speaker 5: that's twenty dollars, twenty dollars as good as new for
8:15
Speaker 5: brand new lue Baton's. That's crazy, Emily Jane. My parents
8:18
Speaker 5: bought me a large pumpkin from their garden. How good
8:21
Speaker 5: is that? When the parents stown up, I cut it,
8:22
Speaker 5: boiled it, added garlic, cumin, salt, and some lemon, and
8:26
Speaker 5: now I have one kilo of really yummy spice pumpkin dip.
8:29
Speaker 5: It cost me thirty cents.
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Speaker 2: Oh my god, that's so cood. Pumpkin is delicious. Also,
8:34
Speaker 2: being sent produce is literally the best thing, like when
8:37
Speaker 2: people send you home with like lemons or I recently
8:40
Speaker 2: raided one of my girlfriend's gardens. She has this massive
8:43
Speaker 2: rosemarine bush and I was just like, I'm gonna do
8:44
Speaker 2: a little bit of clipping before I leave.
8:46
Speaker 5: Thank you, well played. Thirty cents in total, Jamie, I
8:50
Speaker 5: needed to restock my expensive foundation, which was going to
8:53
Speaker 5: be about sixty bucks plus twelve dollars shipping from Sephora.
8:56
Speaker 5: The worst. Yeah, sounds awful. I mean like expensive off.
9:00
Speaker 5: It sounds off. I mean, if you're not getting your
9:02
Speaker 5: moisturizer from coals and paying a couple of dollars, you're
9:04
Speaker 5: doing it right roundation.
9:05
Speaker 2: It's not moisturizer, yeah, different, But how much would you
9:09
Speaker 2: spend on skincare?
9:11
Speaker 5: Well? I used to have that subscription with Lumen, remember, yeah,
9:13
Speaker 5: that's right. That was I was building up to the wedding,
9:15
Speaker 5: trying to like freshen up a little bit out. And
9:18
Speaker 5: then I tried to cancel the subscription, as I've vented
9:20
Speaker 5: many times about this exact story, and they made me
9:22
Speaker 5: click a button and said, yes, I do hate my
9:24
Speaker 5: skin and I don't want the subscription anymore.
9:26
Speaker 4: What triggering bullying?
9:28
Speaker 5: I think that was thirty five a month for three
9:30
Speaker 5: different things. It was like a charcoal paste and a
9:31
Speaker 5: moisturiza something actually guys beauty product compared to female the
9:36
Speaker 5: price for the exact same product.
9:38
Speaker 2: Pink tax really hate it all right.
9:40
Speaker 5: So she found out that to four I was having
9:42
Speaker 5: twenty percent off plus free shipping, which brought it down
9:44
Speaker 5: to forty eight, but then shot back had an upsized
9:47
Speaker 5: cash back of twenty five percent thirty six dollars. Then
9:51
Speaker 5: it got even better because shot Back a giving bonus
9:54
Speaker 5: mystery cash back if you download the browser extension. I
9:57
Speaker 5: don't even know what that means. So after all, from
10:01
Speaker 5: seventy two dollars originally just twenty eight dollars for Jamie
10:05
Speaker 5: for the month.
10:06
Speaker 2: Jamie, You're welcome our friends at shot Back. We'll love
10:08
Speaker 2: hearing that story.
10:09
Speaker 6: I think if you don't get the emails, you're like
10:12
Speaker 6: not to be like sign up for the emails.
10:13
Speaker 2: But I love them.
10:14
Speaker 6: Because they do those super cash backs and I love
10:16
Speaker 6: the iconic and I always get stuff when it's like
10:19
Speaker 6: twenty percent cash back, and when you're buying a hundred
10:21
Speaker 6: dollar dress, like that's a lot of money.
10:23
Speaker 2: Yeah, this is why she didn't do the accountability August.
10:26
Speaker 4: Oh yeah, I'm hearing it.
10:28
Speaker 2: Yeah, your office to live recent.
10:31
Speaker 5: Tests about now, these could be some awkward conversations to have,
10:35
Speaker 5: but I feel like there's some great results out of
10:36
Speaker 5: New Zealand. Here Kaylee has sat down with her husband
10:39
Speaker 5: to discuss their finances because congratulations, Kaylee, she's about to
10:43
Speaker 5: have a baby. So the husband is going to contribute
10:48
Speaker 5: to her Kiwi Saver, which is the same as superannuation.
10:51
Speaker 5: You get a girl while she's not working. So she's like,
10:53
Speaker 5: you know, you're not working on that topy of so
10:55
Speaker 5: he's going to pay that and there's also some tax
10:57
Speaker 5: advantages if he's putting more in all that kind of thing,
11:00
Speaker 5: so she's not disadvantaged. She also has one placement left
11:04
Speaker 5: to complete her UNI degree. I don't know if it's nursing,
11:06
Speaker 5: but I just always assume nursing teaching. Yeah, something like that.
11:11
Speaker 5: So she said, when I'm back on my feet after
11:13
Speaker 5: the baby, and we're not putting time pressure, but eventually
11:15
Speaker 5: I just need to knock this last little thing off
11:17
Speaker 5: and then I'm qualified. So her husband went into his
11:20
Speaker 5: workplace and he has negotiated a combination of paternity leave
11:25
Speaker 5: and you'll leave and leave without pay, So he's going
11:28
Speaker 5: to stay home with the baby so she can go
11:29
Speaker 5: and do her prack so she doesn't have to fall
11:31
Speaker 5: behind with her career. A king.
11:36
Speaker 4: Yeah, just a money win, a life win.
11:40
Speaker 3: That sounds like a really great partitiation a win for
11:43
Speaker 3: equality and like.
11:44
Speaker 5: You're saying before, of course it's in New Zealand.
11:46
Speaker 2: Though they also have Cindadn Pavlova, They've got all the
11:50
Speaker 2: good things. Is this as ses he's at.
11:55
Speaker 5: But as you're saying before the so many people put
11:58
Speaker 5: their careers on hold for so long, and they gets
12:00
Speaker 5: about going back, the fact that she's going to keep
12:01
Speaker 5: chipping way, and the fact they haven't even had the
12:03
Speaker 5: baby yet and they're having the chat beforehand. I guess
12:06
Speaker 5: a lot of people the babies three months old and
12:08
Speaker 5: they're like, oh, we probably should have thought about this,
12:10
Speaker 5: and and like, so great work for being ahead. But
12:12
Speaker 5: this is my favorite money wind of the week.
12:14
Speaker 2: That wasn't your favorite. No, okay, share share go Oh.
12:18
Speaker 4: It better not be another big pumpkin.
12:20
Speaker 5: I might include pumpkin. Beck said it was my birthday
12:22
Speaker 5: this week and I got a free pizza from Crust
12:24
Speaker 5: the World.
12:25
Speaker 2: Yeah, all right, Jess, we are back, and I'm going
12:32
Speaker 2: to throw to you in a hot second about accountability August.
12:35
Speaker 2: But for those of you who haven't heard about it yet,
12:37
Speaker 2: we are running an accountability challenge in our community this
12:41
Speaker 2: month to keep us accountable for the goals that we're
12:43
Speaker 2: setting for ourselves. So the team have all set different
12:46
Speaker 2: goals for themselves, because obviously, if you don't drink coffee,
12:49
Speaker 2: it seems silly to say, oh, this month, I'm not
12:50
Speaker 2: going to drink takeaway coffee. Jess has already won that
12:56
Speaker 2: because she doesn't drink coffee. But it's been going really
12:59
Speaker 2: well well and Jess, you're really excited about it, So
13:01
Speaker 2: why don't you tell everybody this week's update. So it
13:05
Speaker 2: has been so much fun.
13:06
Speaker 6: We have a really fun template on our stories that
13:09
Speaker 6: people have been filling out to set their goals for themselves.
13:11
Speaker 2: And it's real cute. It's really fun and it's so cool.
13:14
Speaker 6: On our first check in that we posted on Facebook,
13:17
Speaker 6: we had a bunch of people being like, oh my gosh,
13:18
Speaker 6: I'm Team Tony, I'm doing the same challenge as you.
13:21
Speaker 6: I'm tem Ryan. So it's so fun to be doing
13:23
Speaker 6: this with you guys and literally like helping each other
13:26
Speaker 6: out and sharing tips. My goal this month was that
13:29
Speaker 6: I wanted to side hustle up an extra five hundred dollars,
13:32
Speaker 6: which was very ambitious.
13:34
Speaker 2: By sealing, you're going to do well, though, I hope so.
13:37
Speaker 6: By selling things that I already have in the house,
13:40
Speaker 6: clothes and just other bits and pieces that have accumulated,
13:43
Speaker 6: and I'm a tenth of the way there, I've made
13:45
Speaker 6: forty five dollars, so.
13:48
Speaker 2: It's only the start of August. Very true, which is
13:51
Speaker 2: very exciting. And it's not even the weekend yet, and
13:53
Speaker 2: I'm assuming that's when most of your sales happen, because
13:56
Speaker 2: hopap's when you get to post your stuff. Yeah, exactly right.
13:59
Speaker 6: But that is of course just me and everybody's been
14:02
Speaker 6: checking in with us on Facebook. Ryan, have you been
14:04
Speaker 6: having a squizet loose?
14:05
Speaker 5: So this is we know he has a big squizze
14:09
Speaker 5: and there's some great ideas in there as well. By
14:11
Speaker 5: the way, Amy said, I'm not going to drive to work.
14:15
Speaker 5: I'm going to walk to work. She said, I don't
14:19
Speaker 5: live that far away. Parking is a bit expensive, and
14:21
Speaker 5: then obviously petrol and all that kind of things. And
14:23
Speaker 5: she also said, as much as it's a money challenge
14:26
Speaker 5: for her, the sustainability of it not putting anymore. So
14:29
Speaker 5: she's going to walk every time she's got a shift
14:31
Speaker 5: for the whole month of August. Huge good so good.
14:36
Speaker 6: For her fitness too. You'll feel great after this mental health.
14:39
Speaker 6: I love how I feel after I go for a walk.
14:41
Speaker 5: Well, I've started walking to work because I don't have
14:43
Speaker 5: a car. Different it actually does you get to work
14:48
Speaker 5: and you're a bit more refreshed and you've got some fresh.
14:51
Speaker 4: Air and you don't just like your blood's pumping.
14:54
Speaker 5: I'm liking it. So good luck Amy with that.
14:55
Speaker 2: I won't be doing that though, so good luck.
14:58
Speaker 5: Now. Casey said she's going to go meet free for
15:01
Speaker 5: a month.
15:02
Speaker 2: Oh I love that.
15:03
Speaker 3: That's a good challenge meat as well as the v's
15:07
Speaker 3: up to her thirtieth year.
15:10
Speaker 2: But no, not even it's like thirtieth month. Maybe I
15:13
Speaker 2: haven't always been meat for it, really, no, no, no,
15:15
Speaker 2: I just haven't loved it, and then I cut it
15:17
Speaker 2: out completely.
15:18
Speaker 5: She's gone full meal prep and has already made four
15:21
Speaker 5: yummy meals with lentils and done a vegetarian lasagna and
15:24
Speaker 5: stuff like that. So as much as the health benefits
15:27
Speaker 5: like expensive.
15:29
Speaker 2: And darl is so yummy, obviously biased, but Darhl is
15:33
Speaker 2: so yummy and so cheap to make, because you can
15:36
Speaker 2: buy dried lentils for next to nothing and then make
15:39
Speaker 2: a really yummy doll that you can take to work
15:41
Speaker 2: and you can have for dinner. And it's just stretches
15:44
Speaker 2: so far. I'm always so impressed when I make one,
15:46
Speaker 2: and then I keep telling myself I'll make it again,
15:48
Speaker 2: and then it's like three months before I make it.
15:52
Speaker 5: And just lots of people we're going to follow you
15:54
Speaker 5: in and say I'm also going to try and flip
15:56
Speaker 5: some stuff online. A Rose said that she is trying
16:00
Speaker 5: to fill up her emergency fund with stuff from around
16:03
Speaker 5: the house onto her And finally Kate said she said,
16:06
Speaker 5: it's tough for me. Guys, no after pay for August.
16:10
Speaker 3: Yes, and hopefully that continues into the rest of your life.
16:13
Speaker 6: We have strong thoughts on this as everybody, so I
16:16
Speaker 6: am in full support.
16:17
Speaker 5: Well, after pay was purchased by the guy that owns
16:20
Speaker 5: Twitter for thirty nine billion. During the week after he
16:22
Speaker 5: hears the news about Kate quitting, you reconsider.
16:25
Speaker 2: Yeah, no, Kate, Kate, you need to actually hold off
16:29
Speaker 2: on quitting because that was actually a very.
16:31
Speaker 1: Part of the deal.
16:33
Speaker 2: But like everybody's celebrating how impressive that he is in
16:36
Speaker 2: all I see is men getting rich off financial disadvantage
16:39
Speaker 2: of women. But whatever and what he's calling that out.
16:42
Speaker 5: Lots of people on a group have made a full
16:44
Speaker 5: stack as well. My favorite story from last year was
16:46
Speaker 5: the girl who said, all the money I've wasted on
16:48
Speaker 5: after pay I earned back by investing in after pay
16:50
Speaker 5: and I used the profits.
16:53
Speaker 2: So I love that that is big brain. She gained
16:57
Speaker 2: the system.
16:59
Speaker 4: How are you going, Ryan with no Uber eats?
17:01
Speaker 5: All right? So here I have a question for the team.
17:05
Speaker 2: He's going to try and palm it off by not
17:06
Speaker 2: answering the question directly to make a good politician.
17:10
Speaker 5: I have not used uber eats.
17:12
Speaker 2: How downloaded door Dash?
17:13
Speaker 5: My question is, where's the legality of getting the same food.
17:17
Speaker 6: Via a different Someone commented on the thread and was like, Ryan,
17:21
Speaker 6: I hope that you know that door dash and delivery
17:24
Speaker 6: and everything else also counts.
17:25
Speaker 2: Okay, Well if.
17:27
Speaker 5: I haven't used any of those, but I went directly
17:30
Speaker 5: to my favorite pizza place.
17:31
Speaker 2: You ordered take away that's still not.
17:34
Speaker 5: On but I got it from the place. What if
17:36
Speaker 5: I drink have a drink at the venue while I'm
17:38
Speaker 5: picking it up. That's our favorite thing to do.
17:40
Speaker 2: I don't care if it's your favorite thing to do.
17:42
Speaker 2: You committed. Wait, the distinction here is did you go
17:48
Speaker 2: to pick up the food?
17:49
Speaker 5: I did?
17:50
Speaker 2: Well, then I would I think there's Jessica. I mean
17:53
Speaker 2: you still had.
17:56
Speaker 5: But I had it there Sometimes.
17:58
Speaker 2: I mean, if you've gone out for dinner, which is
18:01
Speaker 2: what you said, because you guys go and have a wine, right,
18:03
Speaker 2: and you have a wine and then you pick up
18:05
Speaker 2: your pizza. I'm assuming that's the story. Yeah, creature of habit,
18:08
Speaker 2: But I think it's a different story than ordering uber
18:11
Speaker 2: eats because uber eats is a convenience thing. There was
18:14
Speaker 2: no convenience.
18:14
Speaker 5: It was not convenient. I was forced to go to
18:16
Speaker 5: a bar and have a drink.
18:17
Speaker 2: And very tough for ryan guys.
18:21
Speaker 5: How can you get through the day?
18:22
Speaker 2: It's so funny, will be in.
18:25
Speaker 6: It's also better for the business because the money. I'm
18:27
Speaker 6: pretty sure Uberts takes a pretty big cut.
18:30
Speaker 2: It's very hefty.
18:31
Speaker 6: So if you're going direct to them, I also feel
18:33
Speaker 6: like you're supporting.
18:34
Speaker 5: Your local just a man of the people supporting small visits.
18:38
Speaker 2: We will never be as good as your Tony Lodge.
18:44
Speaker 2: How are you going with your challenge?
18:46
Speaker 3: So I decided that for the month of August, I
18:49
Speaker 3: wouldn't do any discretionary spending. So basically no spending except
18:54
Speaker 3: for obviously rent and all of those things.
18:57
Speaker 4: And I've quickly realized how long a month is.
19:02
Speaker 3: It's now the sixth of August, so I I've got
19:08
Speaker 3: a bit of a query about it.
19:09
Speaker 4: So I booked in dinner with a friend for tonight actually, and.
19:13
Speaker 3: I thought like weeks ago before. Yeah, And then I'm like, oh,
19:18
Speaker 3: does that count because it's technically you know, I think it.
19:20
Speaker 2: I think it doesn't count because it was pre planned,
19:24
Speaker 2: but also bad or am I just giving you a
19:26
Speaker 2: get out of jail free card? I think I know that.
19:28
Speaker 2: I'm about to tell you.
19:29
Speaker 5: I will DOATS for two weeks in advance.
19:35
Speaker 3: I wonder because it's mindful, Like I'm not you know,
19:38
Speaker 3: sitting on my phone and ordering clothes or whatever. I'm
19:41
Speaker 3: you know, actually going out, not ordering a breach, which
19:43
Speaker 3: is what normally my boyfriend and I would do. But
19:46
Speaker 3: we're going out, We're doing something, and it's a bit
19:48
Speaker 3: you know.
19:48
Speaker 2: There's a bit of a real bending.
19:51
Speaker 3: So but and that's fine. But what I would like
19:53
Speaker 3: to say is that anybody that is in this no
19:55
Speaker 3: discretionary spending boat, it's okay if you make a mistake.
19:59
Speaker 2: Well, I'm going to ask you next week how how
20:06
Speaker 2: big that financial mistake?
20:08
Speaker 4: Well, don't ask me then, because I've also got a hair.
20:12
Speaker 2: Well in that case, maybe we segue on to me.
20:14
Speaker 2: And I'm in the same boat. So I'm glad that
20:16
Speaker 2: you said that mistakes are acceptable because on Monday, which
20:19
Speaker 2: was my first day in the office that was August
20:23
Speaker 2: and taking my lunch to work, which is the goal
20:25
Speaker 2: I set for myself, I forgot my lunch to buy it.
20:29
Speaker 5: So you didn't last a single day.
20:31
Speaker 2: No, but like the intention was there and I had
20:35
Speaker 2: all ryan.
20:35
Speaker 3: Now, but I came to the pizza place wasn't okay.
20:42
Speaker 2: So at least I'm not trying to twist it into
20:44
Speaker 2: something else Tony Lodge and being like, oh, I.
20:46
Speaker 4: Don't know if it.
20:49
Speaker 5: Can.
20:49
Speaker 2: I just say I feel like Also, I tried to
20:52
Speaker 2: lie about it and I got caught.
20:53
Speaker 5: Yeah.
20:53
Speaker 2: I literally found her bag and did you get lunch
20:55
Speaker 2: this week? And she was like no, And then she's like,
20:59
Speaker 2: did you have sushi?
21:00
Speaker 6: You know that maybe?
21:01
Speaker 3: Well she called me that night on Monday night and
21:03
Speaker 3: I said, oh, did you bring lunch to work today?
21:06
Speaker 4: And she said, and I said, did you.
21:10
Speaker 5: Go to sushi Harp And she went no, handbag, Yes,
21:14
Speaker 5: a new brand called Sombrero.
21:17
Speaker 2: That's literally me that I did have some veggie sushi
21:21
Speaker 2: and it was very good, I'll have you know. According
21:23
Speaker 2: to Charlotte who's on our team, it's actually the best
21:26
Speaker 2: sushi in Melbourne. It's got a massive call for tigaway sushi.
21:31
Speaker 6: I do just want to say anybody who is doing
21:33
Speaker 6: accountability always, as you've probably picked up, we're human beings
21:36
Speaker 6: and you are too. And I feel like something that's
21:38
Speaker 6: really important when you set goals is to not beat
21:41
Speaker 6: yourself up or hold yourself down if you slip back
21:44
Speaker 6: a little bit. That's not what this challenge is about,
21:47
Speaker 6: Like as you were saying, Tony, it's very much about
21:49
Speaker 6: being mindful of what you're doing, coming back on things
21:52
Speaker 6: that you maybe were doing a bit excessively like all
21:55
Speaker 6: of us. And so you know, if sometimes something comes
21:58
Speaker 6: up and you're like, actually, like that fits into what
22:00
Speaker 6: I want to do and for my lifestyle right now,
22:02
Speaker 6: and I'm okay with that, that is so fine. Like
22:05
Speaker 6: we're not here to be like you're the worst because
22:07
Speaker 6: you bought sushi, live your life. We're just trying to
22:11
Speaker 6: like be our best selves for this month. Oh just
22:13
Speaker 6: you beautiful inspiration, beautiful stuff.
22:18
Speaker 2: That's different.
22:19
Speaker 5: Yeah, that's good for you.
22:20
Speaker 2: That's unusual.
22:21
Speaker 4: Well I'm not allowed to buy any new compliments. So
22:24
Speaker 4: well in that.
22:25
Speaker 2: Case, Tony, I think that's all we have time for tooray.
22:28
Speaker 2: But just before we head off, we'd like to acknowledge
22:30
Speaker 2: and pay respect to Australia's Aboriginal and Torres Straight Islander
22:33
Speaker 2: people's they're the traditional custodians of the lands, the waterways
22:37
Speaker 2: and the skies all across Australia. We thank you for
22:40
Speaker 2: sharing and for caring for the land on which we
22:42
Speaker 2: are able to learn. We power respects to elders past
22:44
Speaker 2: and present, and we share our friendship and our kindness.
22:47
Speaker 3: The advice shared on She's on the Money is generally
22:50
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22:54
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22:57
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23:00
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23:18
Speaker 2: Avacabby Baby Bye,