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MONEY DIARIES: A leave of absence to find her dream job! · She's On The Money

• 0:00
  Speaker 1: Just before we get started, we'd like to acknowledge and
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  Speaker 1: pay respect to Australia's Aboriginal and torrest Rate islander people's
• 0:07
  Speaker 1: they're the traditional custodians of the lands, the waterways and
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  Speaker 1: the skies all across Australia. We thank you for sharing
• 0:13
  Speaker 1: and for caring for the land on which we are
• 0:15
  Speaker 1: able to learn. We pay respects to elders past and present,
• 0:19
  Speaker 1: and we share our friendship and our kindness.
• 0:22
  Speaker 2: She's on the Money, She's on the Money.
• 0:45
  Speaker 3: Hello, and welcome to She's on the Money, the podcast
• 0:47
  Speaker 3: Millennials who want Financial Freedom.
• 0:50
  Speaker 1: Welcome Back.
• 0:50
  Speaker 3: It's another shotback Money Diary Monday, where we get to
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  Speaker 3: chat to the community, learn about you, your job, your money,
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  Speaker 3: your hopes, your dreams, all of the fun things in between. Victoria,
• 1:00
  Speaker 3: we love to get the juicy deats. We do, indeed,
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  Speaker 3: and I'm excited about this one.
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  Speaker 1: Me too.
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  Speaker 3: It's a goody, our diarist wrote, I'm an executive who
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  Speaker 3: landed in this role by sheer coincidence following a twelve
• 1:12
  Speaker 3: month leave of absence. I took my leave of absence
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  Speaker 3: after a near burnout episode where I realized that I
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  Speaker 3: put myself on a ladder that I didn't want to climb.
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  Speaker 3: I always had a story in my head that exec
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  Speaker 3: strove Mercedes and had mansions, But throughout my career, I've
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  Speaker 3: quickly learned that these sorts of stories actually limit what's
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  Speaker 3: possible more than enable it. Deciding to take my leave
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  Speaker 3: of absence was truly a play it safe or just
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  Speaker 3: take a leap and see what happens next decision, where
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  Speaker 3: everything on paper is telling me I should say, but
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  Speaker 3: I decided to take the leap.
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  Speaker 1: Oh my gosh, I know, very very interesting. I have
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  Speaker 1: a lot of questions. I never get to hear or
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  Speaker 1: read the emails that Jess does, so I'm always like,
• 1:50
  Speaker 1: what's this one about? How does this one? How interesting?
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  Speaker 1: Is that? This is going to be an epic money diary?
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  Speaker 4: Hopefully I'm hoping I can help you guys out.
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  Speaker 1: Oh yeah, totally can. Can we dive straight in?
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  Speaker 4: Yeah? Go for it.
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  Speaker 1: Okay, So first question, tell us a little bit about
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  Speaker 1: your money story.
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  Speaker 4: My money story.
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  Speaker 5: So, I grew up in a household where money wasn't
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  Speaker 5: spoken about, and I now know as an adult that
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  Speaker 5: actually money was used to avoid conflict. So I've never
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  Speaker 5: really had a healthy relationship with money, not until I actually,
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  Speaker 5: I guess, became an adult myself. I'm not sure I
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  Speaker 5: classify myself as an adult.
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  Speaker 4: I still I'm going to be when I grow up.
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  Speaker 1: It's a real weird concept, isn't it. People are like, oh,
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  Speaker 1: my gosh, you're getting married, and I'm like, yes, I
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  Speaker 1: feel like a child bride, even the way I'm dirty.
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  Speaker 5: Pretty much, I'm not in that same boat. But I
• 2:43
  Speaker 5: am thirty one now, just realizing that when kids look up,
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  Speaker 5: they're like, oh, she's the adult in the room.
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  Speaker 1: That's so strange, isn't it.
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  Speaker 4: Yeah, it is.
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  Speaker 5: So. I grew up fairly naive, didn't really ever speak
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  Speaker 5: about money, learn about money until I was in my
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  Speaker 5: kind of late twenties. I'd always focused on growing income
• 3:02
  Speaker 5: because I had, funnily enough, a cousin at a Christmas
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  Speaker 5: event at one point asking me if I was making
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  Speaker 5: six figures.
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  Speaker 4: Yet, So that then became my kind of goal in
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  Speaker 4: terms of growing my income, which just shows how naive
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  Speaker 4: I was.
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  Speaker 1: I feel like that's common though, Like this idea of
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  Speaker 1: six figures is something that a lot of people go, oh,
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  Speaker 1: by x age, I want to be earning six figures.
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  Speaker 1: I remember a girlfriend of mine, or actually my ex
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  Speaker 1: boyfriend sibling said, yeah, one of my goals is this
• 3:32
  Speaker 1: is like going back like ten years, she was like, yeah,
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  Speaker 1: I want to earn one hundred grand before I turn thirty.
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  Speaker 1: And I was like, oh wow, okay, yep, that's a goal.
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  Speaker 1: I would like that too, and yeah. It's strange how
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  Speaker 1: we pick up on those things.
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  Speaker 4: Hey, yeah, big time.
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  Speaker 5: And it's funny because then when you finally get there,
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  Speaker 5: you realize, oh wow, particularly in Sydney where I live,
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  Speaker 5: six figures isn't actually a big income because of sustain
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  Speaker 5: a whole lot. And then as you learn and kind
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  Speaker 5: of more and more at least, I was in a
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  Speaker 5: position where I started to think about more than just money.
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  Speaker 4: I was thinking about what this is actually facilitate for me?
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  Speaker 4: Is this what I want?
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  Speaker 5: Am I willing to put in what I need to
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  Speaker 5: grow my income to this sort of level? And then
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  Speaker 5: I came across a podcast, Coultures on the Money threw
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  Speaker 5: a girl who was in my team at work. She
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  Speaker 5: was one of my juniors, and we had this thing
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  Speaker 5: in our team where every Friday we'd share, you know,
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  Speaker 5: something that had come across that week that we thought
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  Speaker 5: was kind of helpful with.
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  Speaker 4: The team that was part of the kind of culture
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  Speaker 4: I was trying to build. She shared the podcast and
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  Speaker 4: I had this really weird moment where I was like,
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  Speaker 4: hang on.
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  Speaker 5: I should probably know more about this and what I
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  Speaker 5: do as the leader and the team.
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  Speaker 4: That was always a story that I told myself.
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  Speaker 5: That kind of the leader had this shit down pat essentially,
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  Speaker 5: but I didn't, so I just stayed very quiet.
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  Speaker 4: I learned I had some very kind.
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  Speaker 5: Of open, transparent conversations with people that I had kind
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  Speaker 5: of developed trust with, and then from there started to
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  Speaker 5: I guess refocus my energy on growing wealth over just
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  Speaker 5: growing income.
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  Speaker 1: Oh my gosh, how cool. It's cool in mindsight, Look,
• 5:02
  Speaker 1: it's cool in hindsight. At the time, I feel like
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  Speaker 1: that is quite relatable in a way. I guess I'm
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  Speaker 1: a boss of people and manage people, and sometimes I
• 5:13
  Speaker 1: feel like they look at me and go, oh, she
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  Speaker 1: must have her stuff together so well, And when I
• 5:18
  Speaker 1: get asked a question, I'm like, oh, I don't do that.
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  Speaker 1: Am I meant to do that? Like you feel a
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  Speaker 1: bit more pressure because You're like, I'm the person they
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  Speaker 1: look up too. Surely, surely I should have it together.
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  Speaker 1: Is that a bit of what you were going through
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  Speaker 1: a little bit.
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  Speaker 5: Yeah, I mean I was quite privileged. So I'm a
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  Speaker 5: psychologist by trade. I actually took the route that I
• 5:35
  Speaker 5: think you narrowly avoided. I'm currently doing my orkcyche.
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  Speaker 1: I'm lucky. Oh my gosh, I'm so mby. I still
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  Speaker 1: I would love to go back and do ork psyche.
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  Speaker 1: But the barriers to that industry so hard to get
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  Speaker 1: through that I'm like, oh, I can't take on that.
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  Speaker 1: In addition, I'd love to one day call myself an
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  Speaker 1: organizational psychologist. Oh that would be delightful.
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  Speaker 4: That is a goal that I will achieve come November.
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  Speaker 1: Oh my god. That leads so perfectly into the next
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  Speaker 1: question money, dirice, What do you do for work? How
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  Speaker 1: much money do you earn?
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  Speaker 6: So I am a psychologist by trade, but I work
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  Speaker 6: in a family office, which is a particular type of
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  Speaker 6: investment management, looking after a business portfolio of a high
• 6:21
  Speaker 6: networth individual, which is bite ironic given how naive I
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  Speaker 6: was about money until a couple of years ago.
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  Speaker 5: So I help him look at each of his businesses
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  Speaker 5: and figure out how we can use behavior to drive
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  Speaker 5: high performance. So I apply my understanding of humans and
• 6:38
  Speaker 5: how we operate in the workplace to help him make
• 6:41
  Speaker 5: sure that his businesses are performing and that there are
• 6:44
  Speaker 5: places that people actually want to work, which is great.
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  Speaker 1: How does it feel to be living my dream?
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  Speaker 4: It feels pretty good.
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  Speaker 5: I kind of I locked into this role, so I
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  Speaker 5: post study, fell into consulting and actually ended up on
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  Speaker 5: the corporate ladder in a global consulting them. Loved all
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  Speaker 5: the people components, loved the like true consulting components where
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  Speaker 5: you genuinely.
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  Speaker 4: Got to partner with people to solve problems.
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  Speaker 5: Really hated the kind of money making nature of consulting,
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  Speaker 5: so spread tentacles.
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  Speaker 4: Try and make yourself stick.
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  Speaker 5: Yeah, And I find myself like so fortunate to be
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  Speaker 5: in this role where I actually get to be a
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  Speaker 5: consultant day in, day out and do I guess what.
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  Speaker 4: I've been trying to do. It's not often these opportunities
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  Speaker 4: come about, so I feel very grateful.
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  Speaker 1: That's quite literally the dream. And I don't mean for everybody.
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  Speaker 1: I mean on the pathway that you were on. I
• 7:35
  Speaker 1: also was in consulting, and I'd always look at like
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  Speaker 1: BCG and be like, oh my gosh, like that's the goal,
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  Speaker 1: that's the dream. And then you're like, Oh, this isn't
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  Speaker 1: really my vibe, Like, I don't understand. Oh my gosh.
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  Speaker 1: If I had your opportunity, there's no way she's on
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  Speaker 1: the money would have existed. I would have thrived. That
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  Speaker 1: sounds so exciting. I have so many questions for your offline,
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  Speaker 1: but money direst. How much do you earn?
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  Speaker 5: So I make substantially less right now than what I
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  Speaker 5: have in years gone by in consulting. So at the moment,
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  Speaker 5: I'm on a base of one eight five. I've got
• 8:05
  Speaker 5: a couple of benefits wrapped around that. But a large
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  Speaker 5: part of the reason why I took my role at
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  Speaker 5: the salary that I did was because of the people.
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  Speaker 4: That I would get to work with.
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  Speaker 5: I was after an environment where i'd be kind of
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  Speaker 5: pushed and respected more so than an environment where i'd
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  Speaker 5: earn big bucks, even though.
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  Speaker 4: What i've technically do burn is quite big bucks comparative
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  Speaker 4: to them.
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  Speaker 1: It was about to be like one eight five, Okay,
• 8:27
  Speaker 1: sit down, what were you earning? Yeah, we want to
• 8:30
  Speaker 1: know what were you earning when you were doing consulting.
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  Speaker 1: Spill the beans.
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  Speaker 4: Yeah, so I was on two ten base.
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  Speaker 5: But I also had various kind of plans in place
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  Speaker 5: that included shares and a bit of equity. So actually
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  Speaker 5: taking a leave of absence and making the decision not
• 8:46
  Speaker 5: to return and.
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  Speaker 4: To take on my new role. I lost sixty.
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  Speaker 5: Grand slip of shares, but it was, you know, a
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  Speaker 5: decision where I had to prioritize. I guess my energy
• 8:56
  Speaker 5: and my longevity over my immediate earning potential over the
• 9:01
  Speaker 5: kind of two years that those shares would take the best.
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  Speaker 1: So I feel like you were really glowy and no
• 9:06
  Speaker 1: one else can see this because it's a podcast, but
• 9:08
  Speaker 1: like you were really glowy when you were explaining how
• 9:10
  Speaker 1: you loved your job to us. I feel like you
• 9:13
  Speaker 1: made the absolute right decision like I would.
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  Speaker 4: Oh.
• 9:16
  Speaker 1: I just feel like you're in the right space for
• 9:18
  Speaker 1: you at the moment, like it's so obvious. I love
• 9:21
  Speaker 1: that for you, money dearest, Speaking of money, what is
• 9:25
  Speaker 1: your big money goal?
• 9:27
  Speaker 4: My big money goal is to actually have a goal.
• 9:29
  Speaker 1: Cute. I like it.
• 9:30
  Speaker 4: Yeah.
• 9:31
  Speaker 5: I am fortune enough to have bought my very first
• 9:34
  Speaker 5: property in the last two years.
• 9:35
  Speaker 4: Okay, good Sydney, Yeah, which is exciting.
• 9:39
  Speaker 5: I have a partner who makes as much as what
• 9:41
  Speaker 5: I do, who isn't so good with money, so we
• 9:43
  Speaker 5: can come finances separate, which limits what I can do
• 9:46
  Speaker 5: comparative to potentially other women who were kind of in
• 9:49
  Speaker 5: my age bracket in a similar relationship.
• 9:52
  Speaker 4: Type situation to me. So my goal is.
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  Speaker 5: To using this as an opportunity to get more comfortable
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  Speaker 5: with talking.
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  Speaker 4: About money and bringing that.
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  Speaker 5: I guess in the forefront of my relationship, we've kept
• 10:02
  Speaker 5: everything intentionally separate, which has made it really easy, but
• 10:05
  Speaker 5: we're now at a point where we need to change that.
• 10:07
  Speaker 1: So yeah, that is such a pivotal part of a
• 10:10
  Speaker 1: relationship as well, where you're like, oh, we kind of
• 10:12
  Speaker 1: should do this, hey, and then you do. You get
• 10:15
  Speaker 1: forced into money conversations that often make you feel a
• 10:18
  Speaker 1: little bit uncomfortable. But it doesn't have to be uncomfortable.
• 10:22
  Speaker 1: I promise we're going to ask you about that after
• 10:24
  Speaker 1: the break though. I want to know right now, do
• 10:27
  Speaker 1: you have any investments, my friend?
• 10:29
  Speaker 4: I do. So.
• 10:31
  Speaker 5: I was fortunate enough in my previous role to be
• 10:34
  Speaker 5: given chares, so at the end of every performance here
• 10:37
  Speaker 5: they would reward kind of certain achievements, and I always
• 10:40
  Speaker 5: took the option to take the reward.
• 10:43
  Speaker 4: In terms of shares rather than as cool that would
• 10:47
  Speaker 4: be smart.
• 10:48
  Speaker 5: What I didn't know at the time was that they
• 10:49
  Speaker 5: were essentially slapping on handcuffs and therefore, when I went
• 10:52
  Speaker 5: to leave, it made it a bigger decision.
• 10:55
  Speaker 4: Than it probably needed to be.
• 10:56
  Speaker 5: But now that I head up HR for a company,
• 10:59
  Speaker 5: I know exactly why they did it because I do
• 11:02
  Speaker 5: it as well. Essentially, so I have a sizeable amount
• 11:06
  Speaker 5: of shares, but my portfolio is not diverse. The other
• 11:09
  Speaker 5: thing that I have in the portfolio is a property,
• 11:11
  Speaker 5: so that's the house that I live in, and I
• 11:13
  Speaker 5: think a logical goal for me would be to try
• 11:16
  Speaker 5: and add an additional one, which I think I just
• 11:19
  Speaker 5: need to get better at talking abouts actually sat in staying.
• 11:22
  Speaker 1: That's so exciting. I love that you've done this and
• 11:25
  Speaker 1: you're a young woman just going you have a buttner.
• 11:28
  Speaker 1: I'm still going to do it on my own. I've
• 11:30
  Speaker 1: got all of the It's just so cool to see
• 11:32
  Speaker 1: women who are thriving. I love it doing my best.
• 11:36
  Speaker 1: And the next question, my friend, do you have any debts?
• 11:40
  Speaker 4: I don't.
• 11:40
  Speaker 5: The one money tip I did pick up from my
• 11:42
  Speaker 5: family was don't ever get a credit card.
• 11:45
  Speaker 4: If you can't afford something, now you can't afford it.
• 11:47
  Speaker 4: At all. The only place to break that rule is
• 11:49
  Speaker 4: when you buy property or when you go to UNI.
• 11:51
  Speaker 4: So I broke that rule to go to UNI.
• 11:53
  Speaker 5: I've now because of the amount that I make paid
• 11:55
  Speaker 5: off my heckstat which was sizeable.
• 11:57
  Speaker 1: Yeah, she'd be gone really quick at your income see yours, but.
• 12:02
  Speaker 5: It also hung around for a very long time, so
• 12:04
  Speaker 5: doing an undergrad and then an honors and then a master's.
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  Speaker 1: Girl, I feel you. Yeah for those listening along at home,
• 12:11
  Speaker 1: I still have a six figure hex step bye.
• 12:14
  Speaker 5: Mine was six figures, but now that is gone, which
• 12:17
  Speaker 5: is fantastic. I have a mortgage, but I consider that
• 12:21
  Speaker 5: like good debt as opposed to that debt.
• 12:23
  Speaker 1: Oh good.
• 12:25
  Speaker 4: Yeah, I don't have credit card. I don't use any
• 12:27
  Speaker 4: of those sorts of services.
• 12:29
  Speaker 5: I will probably need one at some point because I'll
• 12:31
  Speaker 5: end up with a company card personaliability attached to it.
• 12:34
  Speaker 4: But I'm trying to avoid that for as long as
• 12:36
  Speaker 4: I can. It's just kind of forces me to make
• 12:38
  Speaker 4: good decisions essentially.
• 12:40
  Speaker 1: Yeah, how exciting. Next question, she makes probably too many
• 12:44
  Speaker 1: good decisions to be an online shop address. Do you
• 12:47
  Speaker 1: use shot back?
• 12:48
  Speaker 4: I don't don't. I don't understand it. I really like,
• 12:54
  Speaker 4: I'm frugal and I'm.
• 12:55
  Speaker 1: Practical, so you need shot back. What are you doing?
• 12:58
  Speaker 3: That's one of the most honest responses. I love that.
• 13:02
  Speaker 3: Do you not understand why you would use it or
• 13:04
  Speaker 3: do you not understand how it works?
• 13:06
  Speaker 4: I honestly don't understand how it works.
• 13:08
  Speaker 5: So I tend to when I'm buying fashion use cash
• 13:11
  Speaker 5: because it really makes me consider cost per wear and weather.
• 13:14
  Speaker 1: Yeah, I can't use it with cash. Sorry.
• 13:16
  Speaker 4: Yeah, I'm really willing to make that decision.
• 13:21
  Speaker 5: That was just a bludgeting tip that I picked up
• 13:22
  Speaker 5: in my teams that I've kind of held onto.
• 13:25
  Speaker 4: Yeah. Of course, has good behaviors.
• 13:27
  Speaker 1: Makes the transaction a little bit more painful, so you
• 13:30
  Speaker 1: really think about whether you want that jumper or not exactly.
• 13:34
  Speaker 5: But it also makes me very naive when it comes
• 13:36
  Speaker 5: to different things that I could actually be using that would.
• 13:39
  Speaker 4: Save me money.
• 13:39
  Speaker 1: I feel like that's really common. But it's essentially it's
• 13:43
  Speaker 1: an app, but it's also an extension. I never used
• 13:46
  Speaker 1: the app in the way that everybody else was using
• 13:48
  Speaker 1: it because I was like, I don't want to have
• 13:49
  Speaker 1: to go shopping through an app. But I added the
• 13:52
  Speaker 1: extension to my browser on the computer, and now whenever
• 13:55
  Speaker 1: I'm at checkout, it literally pops up and says, hey,
• 13:58
  Speaker 1: if you you know your shop back to this, you'll
• 14:01
  Speaker 1: get a percentage back. And it's essentially a referral that
• 14:05
  Speaker 1: shop back get for you shopping on that website, and
• 14:08
  Speaker 1: then they share that referral with you, which I think
• 14:10
  Speaker 1: is pretty cool because sometimes they have really good cash
• 14:13
  Speaker 1: back rewards on things.
• 14:15
  Speaker 3: Yeah, sometimes they do, like twenty percent on places like
• 14:17
  Speaker 3: The Iconic and stuff because they carry a lot of brands,
• 14:19
  Speaker 3: which I think is probably the other thing paying cash
• 14:21
  Speaker 3: you miss out on is the ability to shop different
• 14:24
  Speaker 3: places for the best deal unless you're going store to store.
• 14:28
  Speaker 3: So I mean, shot back definitely doesn't work. You're paying cash.
• 14:31
  Speaker 3: The sad thing is, but if you ever online shop,
• 14:34
  Speaker 3: definitely worth it.
• 14:35
  Speaker 4: Okay, fabulous.
• 14:36
  Speaker 1: Yeah, And it's not like I'm saying go shopping and
• 14:39
  Speaker 1: just use it because it makes shopping reasonable. It's I
• 14:42
  Speaker 1: think it's just so cool to save additional money on
• 14:45
  Speaker 1: things you're already going to buy anyway, and you're getting
• 14:47
  Speaker 1: the best deal and you're also getting money back, Like
• 14:50
  Speaker 1: we love that anyway.
• 14:51
  Speaker 5: Yeah, and thank you for explaining it, because I understand
• 14:54
  Speaker 5: business models. I understand deal flow, so now I get it.
• 14:57
  Speaker 4: That's great.
• 14:58
  Speaker 3: Now you understand shop as well.
• 15:00
  Speaker 1: Yeah, like literally, they get paid to referral, they share
• 15:02
  Speaker 1: the referral with you. I'm like, oh, this is much
• 15:04
  Speaker 1: more simple than I thought it was going to be.
• 15:06
  Speaker 1: I thought it was some big complex model when I
• 15:08
  Speaker 1: first heard about it, and then I was like, oh,
• 15:10
  Speaker 1: that's really easy. That makes sense. I love it when
• 15:13
  Speaker 1: it makes sense. Money, Diaris, was your best money habit
• 15:18
  Speaker 1: paying for things in cash? If not, I want to
• 15:20
  Speaker 1: know what your best money habit is.
• 15:22
  Speaker 4: I think my best money habit is being frugal.
• 15:25
  Speaker 5: So I am quite happy to rock up to a
• 15:28
  Speaker 5: board meeting with ridiculously high network people wearing a tops
• 15:32
  Speaker 5: from Kmart.
• 15:33
  Speaker 1: Oh my gosh, me too.
• 15:34
  Speaker 5: Yes, I do splash occasionally, but I don't think that
• 15:39
  Speaker 5: you need to kind of I guess make rich to
• 15:43
  Speaker 5: be more about kind of what you bring into the
• 15:44
  Speaker 5: room in terms of kind of impact and value.
• 15:47
  Speaker 4: I mean, that's a mindset thing that's so good good
• 15:50
  Speaker 4: to money habits.
• 15:51
  Speaker 3: Yeah, your impact and value doesn't rely on how much
• 15:54
  Speaker 3: you and I really really like that.
• 15:55
  Speaker 1: Oh my god.
• 15:56
  Speaker 4: I mean you still have.
• 15:56
  Speaker 5: To take care of yourself and you still like, you know,
• 15:59
  Speaker 5: need to the part in these rooms.
• 16:01
  Speaker 3: You can do that affordably, of course, yeah, I wouldn't
• 16:04
  Speaker 3: wait on moves to work or or anything like that.
• 16:06
  Speaker 4: You kind of got addressed for your day. But I
• 16:08
  Speaker 4: don't think that you need to.
• 16:10
  Speaker 5: Try and match other people who are in, you know,
• 16:13
  Speaker 5: significantly different situations.
• 16:15
  Speaker 1: How did you get there? How did you get to
• 16:17
  Speaker 1: that mindset, especially in the space that you're working in.
• 16:21
  Speaker 1: When I started in consulting, one of the first things
• 16:24
  Speaker 1: I did was go and spend more than one thousand
• 16:27
  Speaker 1: dollars at Sabah. And I couldn't afford that at the time,
• 16:29
  Speaker 1: or I shouldn't have been spending that at the time,
• 16:31
  Speaker 1: but I was really like, oh my gosh, I'm going
• 16:33
  Speaker 1: to really need like some crispsuits. I want to fit in.
• 16:36
  Speaker 1: Like everybody else was so well dressed and was carrying
• 16:39
  Speaker 1: Priora handbags, and I was just like, oh my god, like,
• 16:41
  Speaker 1: I don't go here. How did you get to that
• 16:44
  Speaker 1: level of mindset?
• 16:45
  Speaker 4: I was really lucky.
• 16:47
  Speaker 5: Quite early on in my corporate career, I started working
• 16:50
  Speaker 5: really closely with a woman who is incredible.
• 16:53
  Speaker 4: She headed up Human Capital for a huge consulting firm.
• 16:57
  Speaker 4: She was the type of woman who had a beautiful in.
• 17:00
  Speaker 5: Losman and will kind of Chanel necklaces every single day
• 17:03
  Speaker 5: and had a handbag that was worth more than my car.
• 17:06
  Speaker 5: And one day I complimented her on her handbag and
• 17:09
  Speaker 5: she's like.
• 17:10
  Speaker 4: Oh, it's really cheap.
• 17:11
  Speaker 5: I got it on sale at a warehouse in the
• 17:13
  Speaker 5: US while I was traveling at some point. And I
• 17:16
  Speaker 5: think that moment really kind of, I guess, opened my
• 17:19
  Speaker 5: minds to the fact that even people and those sorts
• 17:22
  Speaker 5: of situations do have to make certain, you know, decisions
• 17:25
  Speaker 5: to be in the situations.
• 17:26
  Speaker 4: That they're in.
• 17:27
  Speaker 5: So from that point forward, I always questioned whether I
• 17:32
  Speaker 5: genuinely needed to do something or whether it was just
• 17:34
  Speaker 5: reinforcing a story that I was telling myself. And I
• 17:36
  Speaker 5: guess it's a side I'm quite privileged because I tend
• 17:38
  Speaker 5: to think up those sorts of things more so than
• 17:41
  Speaker 5: the average folk.
• 17:42
  Speaker 4: But yeah, that is one of the moments for me
• 17:45
  Speaker 4: that made me really question it.
• 17:46
  Speaker 1: How cool is that for you? That seemed to be
• 17:49
  Speaker 1: some kind of like core memory that has shaped the
• 17:51
  Speaker 1: way that you now interact with the world. And to
• 17:54
  Speaker 1: her it was probably a flippant comment that's just like,
• 17:57
  Speaker 1: oh thanks girl, like I got.
• 17:58
  Speaker 2: Her on sale.
• 17:58
  Speaker 1: Remember, she would have no idea. How cool is it
• 18:01
  Speaker 1: that everybody's experience of the same event can be so
• 18:05
  Speaker 1: wildly different. So cool to flip that. We've spoken about
• 18:11
  Speaker 1: good money habits, and I love that yours is being frugal.
• 18:14
  Speaker 1: I think we can all take a leaf out of
• 18:15
  Speaker 1: that book. We need to find out your dirty, dirty laundry.
• 18:19
  Speaker 1: What is your worst money habit?
• 18:20
  Speaker 4: Probably avoidance.
• 18:22
  Speaker 5: So for a long while, when I was focused on
• 18:25
  Speaker 5: growing my income, I avoided life admin to do with
• 18:28
  Speaker 5: my finances, which I think helped me back.
• 18:32
  Speaker 4: Because I was focused on growing my income, I was.
• 18:34
  Speaker 5: Always comfortable, so I know about really had to face
• 18:37
  Speaker 5: the consequences of going back and not doing those things.
• 18:40
  Speaker 5: But now that I know more about money and what
• 18:44
  Speaker 5: it can unlock, kind of have a bit of regret
• 18:47
  Speaker 5: around not acting sooner, and I do still have a
• 18:50
  Speaker 5: bit of that avoidance.
• 18:51
  Speaker 1: It's easier to have you heard in the sand.
• 18:53
  Speaker 5: Yeah exactly, to go out for dinner and have a
• 18:55
  Speaker 5: really nice sinner that I can enjoy because it fits
• 18:57
  Speaker 5: within my budget, but not really think about, well, actually,
• 19:00
  Speaker 5: I probably should have been sitting down at home.
• 19:02
  Speaker 1: No, no, no, no, no, you deserved the dinner. We
• 19:05
  Speaker 1: make sure that that's in the budget because it's without
• 19:08
  Speaker 1: the journey, not the destination, my friend.
• 19:10
  Speaker 5: Yes, but when there's too much destruction and it actually,
• 19:13
  Speaker 5: you know, gets in.
• 19:14
  Speaker 4: The way of a good progress. Yeah, so the problem.
• 19:17
  Speaker 4: I'm at a point where I probably should see a
• 19:20
  Speaker 4: financial advisor.
• 19:21
  Speaker 5: And it's been on my list for three years and
• 19:23
  Speaker 5: it's one of those items because it's a mean thing
• 19:26
  Speaker 5: and I tend to prioritize other people. It goes on
• 19:28
  Speaker 5: the to do list from one year to the next
• 19:29
  Speaker 5: to the next. So that's probably my worst I no,
• 19:33
  Speaker 5: my god, probably my worst money habit dis avoidance.
• 19:36
  Speaker 1: All right, to wrap up this part of the show, money, darist,
• 19:40
  Speaker 1: I want to know what grade would you give your
• 19:42
  Speaker 1: money habits if we forced you to give yourself a grade.
• 19:45
  Speaker 5: I would probably give myself like a B plus trending
• 19:49
  Speaker 5: towards an A minus. I feel like I'm that kid
• 19:51
  Speaker 5: in primary school where the teacher writes the report card
• 19:54
  Speaker 5: that says such and such could be so amazing if
• 19:57
  Speaker 5: only they applied themselves.
• 20:01
  Speaker 1: Did you pick up my report card? Did my mom
• 20:03
  Speaker 1: give you my report card? Does it stay right under
• 20:06
  Speaker 1: that she also talks too much in class and distracts
• 20:08
  Speaker 1: all the other kids.
• 20:09
  Speaker 5: You must yeah, yeah, I'm not a psyche that prescribes
• 20:13
  Speaker 5: to psychometrics. They actually really hate them, and I know
• 20:16
  Speaker 5: that there's absolutely no science behind ay types. But I
• 20:18
  Speaker 5: feel like, you know, we all know someone that had
• 20:20
  Speaker 5: that report card, and they all tend to be in
• 20:23
  Speaker 5: similar life situations when they reach certain milestones, and that's
• 20:27
  Speaker 5: definitely me.
• 20:28
  Speaker 4: I need to just knuckle down.
• 20:30
  Speaker 1: So none of the verbs have ever had an original experience.
• 20:34
  Speaker 1: Let's go to a break, and when we get back,
• 20:36
  Speaker 1: I have a lot of questions for you, money diarist.
• 20:39
  Speaker 1: I want to get a little bit personal and ask
• 20:42
  Speaker 1: about your relationship and how you're talking about money and
• 20:45
  Speaker 1: your relationship, because before you mentioned you have an income
• 20:48
  Speaker 1: that's basically double what your partners is. You don't share income,
• 20:52
  Speaker 1: and you said that your partner doesn't have as you know,
• 20:54
  Speaker 1: as stable money habits as you do. How are you
• 20:57
  Speaker 1: negotiating that, What does that look like moving forward anything?
• 21:01
  Speaker 4: It's kind of taking the mindset that I.
• 21:04
  Speaker 5: Project in a kind of work environment and trying to
• 21:07
  Speaker 5: bring that.
• 21:07
  Speaker 4: Into my relationship in a really healthy way.
• 21:10
  Speaker 5: So I had a very open conversation with my partner
• 21:14
  Speaker 5: quite early on in the piece about money, what my
• 21:17
  Speaker 5: kind of mindset was around that, the fact that I
• 21:19
  Speaker 5: can be a little bit avoidant. We kind of spoke
• 21:22
  Speaker 5: about how it was used to manage conflict in my
• 21:24
  Speaker 5: family and how I don't want to establish those sorts
• 21:27
  Speaker 5: of bays, and my partner was really open about his
• 21:30
  Speaker 5: financial situation, why he was in the position that he
• 21:33
  Speaker 5: was in, what he was willing to work on, and
• 21:34
  Speaker 5: what was just an nogo zone.
• 21:36
  Speaker 4: We probably need to readdress that at some point.
• 21:38
  Speaker 5: That was quite a while ago, but since then we
• 21:41
  Speaker 5: decided to actually keep everything separate except for our mortgage.
• 21:45
  Speaker 4: So I've bought our place, my partner is buying in
• 21:49
  Speaker 4: as he helps me pay off the mortgage.
• 21:51
  Speaker 5: So we drew up the really often ready agreement between
• 21:55
  Speaker 5: us to make sure it was all above board. But
• 21:57
  Speaker 5: we keep absolutely everything separate, everything, if you feel, regardless
• 22:01
  Speaker 5: about financial situations, except for the mortgage, which he is
• 22:05
  Speaker 5: futting into over time as he helps me kind of
• 22:08
  Speaker 5: pay it down. So I'm kind of using that, I guess,
• 22:11
  Speaker 5: to help him a little bit, but also very much
• 22:15
  Speaker 5: protect myself, which feels wrong most days.
• 22:18
  Speaker 4: But I know that it's the kind of smart thing
• 22:21
  Speaker 4: to do.
• 22:21
  Speaker 3: It's funny you say that because we did an episode
• 22:24
  Speaker 3: actually not too long ago, on managing finances on different incomes,
• 22:29
  Speaker 3: because it's something we've seen mentioned in our Facebook group
• 22:32
  Speaker 3: a few times. And it's interesting that you say it
• 22:35
  Speaker 3: feels a bit bad because there is that icky feeling
• 22:38
  Speaker 3: where you don't want to be like, well, I'm better
• 22:40
  Speaker 3: than you because I earn more, and that's absolutely not
• 22:42
  Speaker 3: the case. But I think it's important to think about.
• 22:46
  Speaker 3: And something I say all the time is prepare for
• 22:48
  Speaker 3: the worst, but expect the best, because you hate to
• 22:50
  Speaker 3: be in a situation where something did go wrong and
• 22:53
  Speaker 3: you're like, oh my gosh, if only i'd put that
• 22:55
  Speaker 3: agreement in place to protect myself. Once it's too late.
• 22:58
  Speaker 3: It's too late and you can't do it. So I
• 22:59
  Speaker 3: think it's really healthy that you have had that conversation
• 23:02
  Speaker 3: and that it's in your mind that you want to
• 23:04
  Speaker 3: revisit that, because yeah, you should, God forbid something go wrong.
• 23:09
  Speaker 3: You have to look after you because nobody else will.
• 23:11
  Speaker 4: Exactly exactly.
• 23:12
  Speaker 5: I moved out of home when I was sixteen and
• 23:15
  Speaker 5: have been kind of paying my way since then. So
• 23:17
  Speaker 5: I've always had a bit of a hard line on
• 23:19
  Speaker 5: looking after myself everybody else.
• 23:21
  Speaker 1: It was ingreat it's so important? Then, yeah, I really
• 23:25
  Speaker 1: like that.
• 23:26
  Speaker 3: I want to ask about your leave of absence because
• 23:28
  Speaker 3: that is something else that we see a lot in
• 23:30
  Speaker 3: our group. And the conversations that we often see are
• 23:33
  Speaker 3: women who are in roles, and more often than not.
• 23:37
  Speaker 1: There are high pressure role Yeah.
• 23:39
  Speaker 3: And the thing that people usually say is, you know,
• 23:42
  Speaker 3: I'm earning a lot of money, or I have really
• 23:43
  Speaker 3: great benefits, but I have this setup, but I'm feeling
• 23:46
  Speaker 3: burnt out, or but the culture is really poor. How
• 23:49
  Speaker 3: do I decide whether or not I walk away from that?
• 23:52
  Speaker 3: And it sounds like that is exactly what you did.
• 23:55
  Speaker 3: You had this great, high paying job that on paper
• 23:58
  Speaker 3: people would undoubtedly kill for, but ultimately you decided to
• 24:01
  Speaker 3: walk away. How did you come to that decision? How
• 24:04
  Speaker 3: did you reconcile? I guess that change in lifestyle and
• 24:08
  Speaker 3: is there anything that people should consider now that you
• 24:11
  Speaker 3: can look at it from the perspective of hindsight.
• 24:13
  Speaker 4: Okay, there's a couple of things to this.
• 24:15
  Speaker 5: The very first question I had to ask myself is
• 24:18
  Speaker 5: will I actually come back?
• 24:20
  Speaker 4: So I was approaching burnout, and I.
• 24:23
  Speaker 5: Had to ask myself the really honest question, do I
• 24:25
  Speaker 5: just need to step away for a moment, or do
• 24:28
  Speaker 5: I actually need a fresh start? And stepping away for
• 24:31
  Speaker 5: a moment is an la stepping away forever for a
• 24:34
  Speaker 5: fresh start is a very different kind of conversation altogether.
• 24:38
  Speaker 4: When I kind of put it all.
• 24:39
  Speaker 5: Down on paper, I realized that there were some components
• 24:42
  Speaker 5: about my job that I really really loved and about
• 24:44
  Speaker 5: the life that had afforded me that I really really loved,
• 24:47
  Speaker 5: and I wasn't ready to step away.
• 24:48
  Speaker 4: From that completely. What I did need, though, was a
• 24:51
  Speaker 4: bit of time and.
• 24:52
  Speaker 5: Space to figure out what actually gave me energy and
• 24:55
  Speaker 5: what sucked it.
• 24:56
  Speaker 4: Which sounds really funny, but when you're on the wheel,
• 24:59
  Speaker 4: on the.
• 24:59
  Speaker 5: Core, it can be really difficult to actually take the
• 25:02
  Speaker 5: time to think about these things.
• 25:04
  Speaker 4: And it does take time to think about these things, and.
• 25:06
  Speaker 5: Mental health day here or there really is you're going
• 25:09
  Speaker 5: to help you figure out, you know, what gives you
• 25:11
  Speaker 5: energy in life. It might fill your bucket a little bit,
• 25:14
  Speaker 5: but it's not going to help you figure out whether
• 25:15
  Speaker 5: you're putting these in the right buckets.
• 25:17
  Speaker 4: So I answered that question and decided that I needed
• 25:21
  Speaker 4: to step away just for a period. I wasn't ready
• 25:23
  Speaker 4: to let go completely.
• 25:24
  Speaker 5: The next question I had to ask myself was do
• 25:27
  Speaker 5: you have enough cash or cash flow to support yourself.
• 25:29
  Speaker 5: At the time, I was looking at buying property because
• 25:32
  Speaker 5: I was in a situation that actually afforded that, and
• 25:35
  Speaker 5: I realized that that goal might be impacted by taking
• 25:38
  Speaker 5: unpaid leave because mostly the absences are unpaid. I really
• 25:43
  Speaker 5: envy people that get the opportunity to take a paid
• 25:46
  Speaker 5: leave of absence. It just seems like a fairy tale.
• 25:48
  Speaker 1: Yeah, yeah, totally, who gets that? No one?
• 25:52
  Speaker 4: Honestly, where are these bosses that run their businesses with
• 25:54
  Speaker 4: that much chat?
• 25:55
  Speaker 5: Anyway, I want to go hang out with them. I
• 25:57
  Speaker 5: can do some really cool things. So I had to myself,
• 26:00
  Speaker 5: like do I have enough cash in the bank and
• 26:02
  Speaker 5: have a really kind of good look at myself to
• 26:04
  Speaker 5: figure out whether I was, you know, living a lifestyle
• 26:08
  Speaker 5: that I was happy with and whether taking I guess
• 26:11
  Speaker 5: a bit of a hit from the cash would impact
• 26:13
  Speaker 5: that in a way that would impact my energy more
• 26:15
  Speaker 5: than you know I might potentially get back from.
• 26:17
  Speaker 4: Taking away of absence. The next question kind of once
• 26:20
  Speaker 4: i'd sorted that out.
• 26:22
  Speaker 5: That I needed to ask myself was that can I
• 26:24
  Speaker 5: do this in a way that isn't going to close
• 26:26
  Speaker 5: the door or burn a bridge. When you're in a
• 26:28
  Speaker 5: corporate environment, there's generally, at least in the consulting world,
• 26:33
  Speaker 5: there's very clear career and progression frameworks, and most of
• 26:37
  Speaker 5: it is based on kind of you know, value that
• 26:39
  Speaker 5: you create for the business and achieving certain milestones, but
• 26:42
  Speaker 5: some of it is genuinely tidy. So I had to
• 26:45
  Speaker 5: think about the impact to my next career progression step
• 26:48
  Speaker 5: and whether I was willing to kind of, I guess,
• 26:51
  Speaker 5: negotiate and kind of throw caution to the wind that's
• 26:55
  Speaker 5: the only way I can really put it, or can
• 26:57
  Speaker 5: I actually time this in a way it's going to
• 26:58
  Speaker 5: lead the door open so that I can then return
• 27:00
  Speaker 5: and kind of step back into a similar position, or
• 27:03
  Speaker 5: at least just back a little bit, not you know,
• 27:05
  Speaker 5: completely back at the start.
• 27:06
  Speaker 4: So I had to sort.
• 27:07
  Speaker 5: Through that, which talking to a lot of people really
• 27:09
  Speaker 5: understanding the business, how it was growing, who could take
• 27:12
  Speaker 5: over certain things that I was responsible for, really starting
• 27:15
  Speaker 5: to actually enable.
• 27:16
  Speaker 4: Those people to step into those roles.
• 27:18
  Speaker 5: Even before I'd kind of broached the conversation about an LA,
• 27:22
  Speaker 5: And then the last question I actually had to ask
• 27:24
  Speaker 5: myself was what do I actually want to get out
• 27:25
  Speaker 5: of the year, Because if I'm going to take that
• 27:27
  Speaker 5: period away, I need to be sure that it's actually
• 27:30
  Speaker 5: going to achieve what I needed to achieve. Because it
• 27:33
  Speaker 5: was a big decision, it was a big financial hit.
• 27:36
  Speaker 5: So I had to, I guess, ask those four questions,
• 27:39
  Speaker 5: which are not like, I mean, one of them is
• 27:41
  Speaker 5: money related, but most of them were more about I guess,
• 27:44
  Speaker 5: life and how I wanted to live it and money
• 27:46
  Speaker 5: I need to be able to service.
• 27:47
  Speaker 3: That was that leave of absence that was twelve months
• 27:50
  Speaker 3: you were originally going to take and then you ultimately
• 27:53
  Speaker 3: decided to walk away, right, correct.
• 27:55
  Speaker 5: Yeah, so I've got eight months in and I got
• 27:58
  Speaker 5: introduced to someone just a sheer coincidence, which then started
• 28:03
  Speaker 5: a little bit of work that I could use to
• 28:04
  Speaker 5: get a bit of cash flow going, which then just kind.
• 28:07
  Speaker 4: Of turned into a broader conversation.
• 28:09
  Speaker 5: So I made the really difficult decision even though I
• 28:11
  Speaker 5: did actually genuinely want to return when I left to to.
• 28:15
  Speaker 1: Leave, Wow, so what did you do for those eight months?
• 28:19
  Speaker 1: Like what do you do on a leave? Of absence,
• 28:21
  Speaker 1: I feel like so many people say, look, I took it.
• 28:23
  Speaker 1: You know, I wanted to spend more time with my
• 28:25
  Speaker 1: kids and my family, and you're not in that situation
• 28:27
  Speaker 1: where you have kids, So what were you doing with
• 28:30
  Speaker 1: your time to find your feet and I guess recover
• 28:33
  Speaker 1: from being almost burnt out.
• 28:36
  Speaker 5: I would love to say that I had like a
• 28:38
  Speaker 5: bee trip planned and I had all these amazing plans,
• 28:41
  Speaker 5: you know, by a van and take off for in Australia.
• 28:43
  Speaker 5: But honestly, once everything was locked and loaded and I
• 28:46
  Speaker 5: finally made the decision orchestrated everything to be able to
• 28:50
  Speaker 5: close the laptop and not be able to open it
• 28:52
  Speaker 5: again for twelve months, I sat on my couch on
• 28:55
  Speaker 5: that Monday, going what the.
• 28:56
  Speaker 4: Hell am I going to do with my child? I got,
• 29:00
  Speaker 4: I guess, really into exercise.
• 29:02
  Speaker 5: I did actually jump on a plane to Tuzzi, where
• 29:05
  Speaker 5: I'm from, to spend some time with my family.
• 29:07
  Speaker 4: I then spent a lot of my time talking to
• 29:10
  Speaker 4: different people. So I needed to figure out how.
• 29:12
  Speaker 5: To fill my bucket, where my energy was coming from,
• 29:16
  Speaker 5: how I was going to supplement that was.
• 29:18
  Speaker 4: Going to deplete from it. So I spoke to a
• 29:20
  Speaker 4: lot of people I reached out.
• 29:22
  Speaker 5: Basically and seek mentorship, and through that landed some very
• 29:27
  Speaker 5: very casual work which required me to set up my
• 29:29
  Speaker 5: own business so I could operate a trader. So that
• 29:32
  Speaker 5: kept me busy for a little bit setting that up.
• 29:34
  Speaker 5: That's quite a kind of learning. I involved a number
• 29:37
  Speaker 5: of sessions with an accountant and all of the kind
• 29:39
  Speaker 5: of admin that comes with it, as well as actually
• 29:41
  Speaker 5: naturing in a relationship to make sure that it then
• 29:43
  Speaker 5: results in work. So I did that, did some work,
• 29:47
  Speaker 5: and then kind of repeated that process until I ended
• 29:50
  Speaker 5: up meeting the guy that I now.
• 29:52
  Speaker 4: Work for today.
• 29:53
  Speaker 1: How cool. That's a journey and such an interesting one
• 29:58
  Speaker 1: one from my personal perspective, obviously, because we have very
• 30:01
  Speaker 1: similar backgrounds and now both work or I don't anymore.
• 30:04
  Speaker 1: I don't think I can say I work in the
• 30:06
  Speaker 1: ultra and net wealth space anymore purely because I've moved
• 30:09
  Speaker 1: more into podcasting. Still have ridge rich clients though, does
• 30:12
  Speaker 1: that count? But I just feel like that makes so
• 30:15
  Speaker 1: much sense, Like the burnout, the stress, the pressure, it
• 30:18
  Speaker 1: all makes so much sense. But you mentioned before, and
• 30:22
  Speaker 1: I know that Jess and and Elisa are probably trying
• 30:25
  Speaker 1: to wrap me up, but you mentioned before you left
• 30:27
  Speaker 1: home at sixteen. How did you financially support yourself during
• 30:31
  Speaker 1: that to then come out as this awesome human who
• 30:35
  Speaker 1: has this epic job and is basically killing it at life? Like,
• 30:39
  Speaker 1: how did that happen?
• 30:40
  Speaker 5: I worked at a Delhi in a local Ida, so
• 30:44
  Speaker 5: I'd love to say, Look, it was all kind of
• 30:46
  Speaker 5: hard work and careful planning.
• 30:48
  Speaker 4: Who was literally just went out tried to end some cash.
• 30:51
  Speaker 5: I worked crazy hours, I studied really really hard. I
• 30:55
  Speaker 5: knew that education would be a ticket to a better life. Lie,
• 31:00
  Speaker 5: so I paid my way, buckled down, started UNI started
• 31:06
  Speaker 5: training as a psychologist.
• 31:08
  Speaker 4: Realized part way through a they don't make very much
• 31:10
  Speaker 4: money and it's a very very.
• 31:13
  Speaker 5: High pressure job that requires a very special sort of person.
• 31:18
  Speaker 4: Are not. Yeah, I worked in a residential mental health facility.
• 31:24
  Speaker 5: It was actually amazing because at the time I was
• 31:27
  Speaker 5: hard on money. They actually paid me to sleep on
• 31:29
  Speaker 5: site so that I could be around.
• 31:31
  Speaker 4: For people who needed to support at all different hours.
• 31:34
  Speaker 5: It was a recipe for burnout in hindsight, but at
• 31:36
  Speaker 5: the time I was like, this is the best you
• 31:38
  Speaker 5: mean you're going to pay me to Like, it's like
• 31:42
  Speaker 5: the dream for someone who needs to support themselves and
• 31:44
  Speaker 5: it's kind of studying full time in that sort of space.
• 31:47
  Speaker 4: So I did that for a while and then realized
• 31:50
  Speaker 4: that it just wasn't something that I could build a
• 31:52
  Speaker 4: life around.
• 31:53
  Speaker 5: I looked for a job and learned around a role
• 31:56
  Speaker 5: in hospitality, working for a guy who was an ex consultant,
• 31:59
  Speaker 5: and the way that he ran his restaurant was just
• 32:01
  Speaker 5: like top notch.
• 32:02
  Speaker 4: Everything was really.
• 32:03
  Speaker 5: Slick, and I ended up in conversation with him about
• 32:06
  Speaker 5: what's happening in my other job and he said, oh,
• 32:08
  Speaker 5: you'd be pretty good at consulting. You should look into
• 32:11
  Speaker 5: ork CYC and kind of made the switch from there.
• 32:14
  Speaker 1: Yeah, I love that, and I feel like that's how
• 32:16
  Speaker 1: I got into it as well, like quite literally, when
• 32:18
  Speaker 1: and did a child Psyck placement was there two weeks
• 32:21
  Speaker 1: and I was like, this ain't my jam I cannot
• 32:23
  Speaker 1: do this. This takes such a special person and like
• 32:26
  Speaker 1: this obviously so much more to that story, and I
• 32:29
  Speaker 1: freaked out and had a meeting with somebody that I
• 32:31
  Speaker 1: really looked up to and they're like, why don't you
• 32:33
  Speaker 1: do orczych And I'm like, what, what's that? And they're like,
• 32:35
  Speaker 1: it's like the science of people at work. I was like,
• 32:37
  Speaker 1: what I can do that, and it just made so
• 32:39
  Speaker 1: much sense. I feel like you and I have very,
• 32:42
  Speaker 1: very similar career journeys.
• 32:43
  Speaker 5: There are a lot of people in Orxyche who have
• 32:45
  Speaker 5: a similar story.
• 32:46
  Speaker 4: It's always, you know, going.
• 32:48
  Speaker 5: In with un attention and kind of you know, finding
• 32:50
  Speaker 5: yourself in a situation where actually people are motivated to
• 32:52
  Speaker 5: make change because it's a big things for them in life.
• 32:55
  Speaker 1: Yeah, it's a.
• 32:55
  Speaker 5: Cheesier place to work I have for people that take
• 32:59
  Speaker 5: the hard I feel like I took the easy path
• 33:01
  Speaker 5: in some cases, but it's still equally It's.
• 33:05
  Speaker 1: Oh my gosh, I have loved this money diary, thank
• 33:07
  Speaker 1: you so much, but unfortunately I do think that that
• 33:10
  Speaker 1: is all we have time to capture today. Awesome, and
• 33:13
  Speaker 1: don't forget guys.
• 33:13
  Speaker 3: The advice shed on She's on the Money is general
• 33:16
  Speaker 3: in nature and does not consider your individual circumstances. She's
• 33:19
  Speaker 3: on the Money exists purely for educational purposes and should
• 33:22
  Speaker 3: not be relied upon to make an investment or a
• 33:24
  Speaker 3: financial decision.
• 33:25
  Speaker 1: And we promised.
• 33:26
  Speaker 3: Victoria Divine is an authorized representative of Infocused Securities Australia
• 33:30
  Speaker 3: Proprietary Limited, a BN four seven oh nine seven seven
• 33:33
  Speaker 3: nine seven O four nine AFSL two three six five
• 33:36
  Speaker 3: two three See you Next Money Diary.
• 33:38
  Speaker 1: Bye,