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She Moved to Australia With $1k in Her Bank Account · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud or
• 0:04
  Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.
• 0:23
  Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
• 0:27
  Speaker 1: the storytelling of you to make a difference for today
• 0:30
  Speaker 1: and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money, She's on the Money.
• 0:57
  Speaker 2: Hello, and welcome to She's on the Money the podcast.
• 1:00
  Speaker 2: Let's you get a bit of insight about other people's
• 1:03
  Speaker 2: money habits, obviously for educational purposes. Welcome back to another
• 1:07
  Speaker 2: one of our money diaries where I get the absolute
• 1:10
  Speaker 2: pleasure of sitting down and having a chat with one
• 1:12
  Speaker 2: of our beautiful She's on the Money community members and
• 1:14
  Speaker 2: talking all about their money story. Let's jump straight into it,
• 1:17
  Speaker 2: because this week I got a message and it sounded
• 1:20
  Speaker 2: exactly like this, Dear She's on the Money. When I
• 1:23
  Speaker 2: moved from Brazil, to Australia seven years ago. I had
• 1:26
  Speaker 2: just one thousand dollars to my name. So to save money,
• 1:29
  Speaker 2: I did some more unconventional things, like spending two years
• 1:33
  Speaker 2: living on a sailing boat plus a year commuting on
• 1:36
  Speaker 2: an electric bike. Last year, I launched my side huzzle,
• 1:39
  Speaker 2: focused on empowering women to embrace their curly hair. Now
• 1:43
  Speaker 2: I've paid off my car and I'm on track to
• 1:46
  Speaker 2: buy my first property. Money doarist. That's so exciting. Welcome
• 1:51
  Speaker 2: to the show.
• 1:52
  Speaker 4: Thank you. I'm so excited to be here.
• 1:55
  Speaker 2: I'm so excited as well, because like I've just jumped
• 1:58
  Speaker 2: on this curly hair journey band again and it's actually crazy,
• 2:02
  Speaker 2: Like I didn't realize there was an entire community about
• 2:06
  Speaker 2: women who had curly hair and how to deal with it.
• 2:08
  Speaker 2: I just thought for the longest time, I just looked
• 2:11
  Speaker 2: like Hagrid, Like I just figured I had the same
• 2:14
  Speaker 2: hair as Hagrid, and I just knew that the way
• 2:17
  Speaker 2: that I had to deal with my hair was to
• 2:19
  Speaker 2: like blow you right straight before I could do anything,
• 2:21
  Speaker 2: and that was my bread and butter. And then after
• 2:24
  Speaker 2: having a baby, obviously side note or money diaries, but
• 2:27
  Speaker 2: after having a baby, I'm like the amount of times
• 2:29
  Speaker 2: I got out of the shower and didn't have time
• 2:31
  Speaker 2: to dry my hair or do anything and it just
• 2:32
  Speaker 2: started curling. And I'm like, is there something to this?
• 2:35
  Speaker 2: Turns out there is.
• 2:37
  Speaker 4: Yeah, So welcome to this journey of being a curly
• 2:43
  Speaker 4: hair girl. And I promise you you one regret. I
• 2:48
  Speaker 4: wearing my natural hair since I was eighteen, and you know,
• 2:53
  Speaker 4: back in the day, we didn't have so much like
• 2:55
  Speaker 4: YouTube channels and knowledge about it and even like hairdress
• 3:00
  Speaker 4: as specialized in curly hair. So I just want to
• 3:03
  Speaker 4: tell you enjoyed the journey, because worth it and I'm
• 3:07
  Speaker 4: just so passionate about it.
• 3:08
  Speaker 2: Oh, I can tell and I can't wait to get
• 3:10
  Speaker 2: into it. But before we get there, money Durist, if
• 3:13
  Speaker 2: I asked you to give your money habits a grade
• 3:15
  Speaker 2: from A three to F, what grade would you give them?
• 3:18
  Speaker 4: I think I'm sitting ad be.
• 3:19
  Speaker 2: Minus a seep minus. I love that. I want to
• 3:22
  Speaker 2: know more about you, though. Can you tell me a
• 3:24
  Speaker 2: little bit more about your international money story.
• 3:27
  Speaker 4: Yeah. So basically, I'm the grown child of a brick
• 3:32
  Speaker 4: layer and I stay at home mom from Brazil and
• 3:36
  Speaker 4: they had eleven children.
• 3:38
  Speaker 2: Eleven kids. My goodness all times.
• 3:43
  Speaker 4: And so my dad didn't grow up around a lot
• 3:47
  Speaker 4: of money. Everything was really scars and I think that,
• 3:53
  Speaker 4: you know, came to generations to me because my dad
• 3:58
  Speaker 4: always he would reply, Dad, can I go to the movies?
• 4:01
  Speaker 4: Or can I go to someone's house? Or can I
• 4:03
  Speaker 4: do this or that? And always there a default, and
• 4:07
  Speaker 4: so I was there's no money, there's no money. So
• 4:10
  Speaker 4: I grew up hearing that, and I think didn't help me.
• 4:16
  Speaker 4: You know, like after I decided to move to Australia,
• 4:19
  Speaker 4: I used to panic myself about there's no money, there's
• 4:23
  Speaker 4: no money, but no, there is. There is is just
• 4:26
  Speaker 4: a question of me budgeting, you know, organizing myself and
• 4:30
  Speaker 4: work hard so I can you know, leave comfortably and
• 4:35
  Speaker 4: feel more comfortable about money and talking about money because
• 4:40
  Speaker 4: at home we didn't talk about it. It's just a
• 4:42
  Speaker 4: question of no, there's no money, we don't talk about it.
• 4:45
  Speaker 2: Yeah, no, that's fair, And I feel like that would
• 4:48
  Speaker 2: be really common if you know, your dad was one
• 4:51
  Speaker 2: of eleven and you didn't have heaps and then it
• 4:53
  Speaker 2: just filters down and down, right, So what did that
• 4:56
  Speaker 2: look like as you started to get a little bit older.
• 4:59
  Speaker 4: I went to a private school, but with scholarship, which
• 5:03
  Speaker 4: I think made me create good connections and learn different
• 5:08
  Speaker 4: things from like going to a different type of school
• 5:12
  Speaker 4: back home. And also my parents were really focusing on education.
• 5:18
  Speaker 4: We didn't have holidays. I just went overseas when I
• 5:22
  Speaker 4: was like twenty one. This year was the first year
• 5:26
  Speaker 4: that they traveled overseas. So they always put so much
• 5:31
  Speaker 4: effort into education, and I think what changed for me
• 5:36
  Speaker 4: was that I went to learn English from I think
• 5:40
  Speaker 4: ten years old, and that was something that really opened
• 5:44
  Speaker 4: my mind to you know, in the future, now the
• 5:47
  Speaker 4: track ten years later, considering moved to Australia and build
• 5:50
  Speaker 4: a life here.
• 5:51
  Speaker 2: Yeah, that's actually really cool. Was that something that you
• 5:54
  Speaker 2: were really purposeful about going, Oh, English is going to
• 5:57
  Speaker 2: open my opportunities or was it just a cool other
• 5:59
  Speaker 2: language you go to learn, or like what was the
• 6:01
  Speaker 2: segue of that.
• 6:03
  Speaker 4: I always liked a new language, and I think in
• 6:06
  Speaker 4: my mind was like, there's only a small amount of
• 6:10
  Speaker 4: people that speaks Portuguese, and so the knowledge in Portuguese
• 6:15
  Speaker 4: is very would say limitated. If I learned a lot
• 6:18
  Speaker 4: another language, English or Spanish, you know, that opens up
• 6:23
  Speaker 4: a whole new universe of information. Knowledge, and I was
• 6:29
  Speaker 4: always very curious about you know, the other site.
• 6:33
  Speaker 2: I love that, but like that's such an intelligent way
• 6:36
  Speaker 2: of looking at it, like I hadn't thought about. I
• 6:39
  Speaker 2: guess language in that way, that language could be limiting
• 6:42
  Speaker 2: because it only has so many you know, translations of
• 6:45
  Speaker 2: things or accent like that is very interesting.
• 6:48
  Speaker 4: Oh and I think you know the amount of information
• 6:51
  Speaker 4: that you lost on translation. That's also you know, like
• 6:55
  Speaker 4: you lose so much. So I don't know it was
• 6:59
  Speaker 4: I think for me to always you know, looking for
• 7:03
  Speaker 4: something in English and be curious about it, I really
• 7:07
  Speaker 4: enjoyed knowing the meaning of words. So learning a new
• 7:11
  Speaker 4: language it has been always exciting for me. That's why
• 7:14
  Speaker 4: I was like, yeah, let's you know, learn English and
• 7:18
  Speaker 4: learn Spanish and expand my knowledge a little bit broader.
• 7:22
  Speaker 2: Yeah, that is very cool. So you learn English on
• 7:25
  Speaker 2: the horizon one day was maybe an international move. What
• 7:29
  Speaker 2: happened next?
• 7:30
  Speaker 4: I went to the university. I did journalists back home,
• 7:34
  Speaker 4: and I knew that if I want to work in
• 7:37
  Speaker 4: somewhere in a bigger company, I need to learn English,
• 7:40
  Speaker 4: not as the basic, but I will need to learn
• 7:44
  Speaker 4: like vocabulary, structure and everything. So I graduate you need.
• 7:50
  Speaker 4: Twelve years ago and I had a friend that he
• 7:53
  Speaker 4: was DTV reporter for ESPN and he was like, Okay,
• 7:58
  Speaker 4: you graduated, Now are you gonna do. I was like, work,
• 8:02
  Speaker 4: you know, I really want to work full time because
• 8:05
  Speaker 4: I just finished UNI. I want to have, you know,
• 8:08
  Speaker 4: a good wage and a good living. And he was like, oh,
• 8:12
  Speaker 4: I think you will love Australia. So if it's something
• 8:15
  Speaker 4: that you know, you want to go for a bigger job,
• 8:18
  Speaker 4: like a multinational company, I think it's something that you
• 8:22
  Speaker 4: should pursue. And Gold Coast is really similar to I
• 8:27
  Speaker 4: was living at Floridaanapolis. It's a small island in the
• 8:31
  Speaker 4: south of Brazil. He was like, it's really similar to here.
• 8:35
  Speaker 4: The weather is similar, the vibe. I think you're gonna
• 8:38
  Speaker 4: love it. And I was like, oh okay, and then
• 8:43
  Speaker 4: I made it happen.
• 8:45
  Speaker 2: You made it happen. I love that. Was He right?
• 8:47
  Speaker 2: Is the vibe similar to the Gold Coast.
• 8:49
  Speaker 4: One hundred percent?
• 8:51
  Speaker 2: Oh really?
• 8:52
  Speaker 4: Yeah. The weather is the same, the serf vibe, the
• 8:56
  Speaker 4: holiday vibe. Because Florida Anopolis there's no heavy industry there,
• 9:01
  Speaker 4: like no manufacturing industry there, so it's really similar to
• 9:06
  Speaker 4: the Gold cost in terms of tourism and services industry,
• 9:09
  Speaker 4: and the vibe is just the same.
• 9:11
  Speaker 2: I love it here, but is really cool. I love
• 9:14
  Speaker 2: that because it could have been so disappointing if you
• 9:17
  Speaker 2: got here and you're like, what is this? This is
• 9:19
  Speaker 2: nothing like Brazil. So you moved here, you only had
• 9:23
  Speaker 2: one thousand dollars to your name, how did you survive?
• 9:27
  Speaker 2: Because one thousand dollars and no job and being in
• 9:31
  Speaker 2: a new country is a little bit scary.
• 9:35
  Speaker 4: It is. And I only had that money because I
• 9:39
  Speaker 4: had a friend that she was working as a cabin
• 9:42
  Speaker 4: crew for an international company and she gave me the
• 9:47
  Speaker 4: staff ticket, so I basically paid nothing. But the ticket
• 9:51
  Speaker 4: was only to Sydney, so it was from some outlook
• 9:54
  Speaker 4: to Sydney and then from Sydney I got a buzz.
• 9:57
  Speaker 4: It was sixteen hours on a bus on the Greyhound
• 10:01
  Speaker 4: Buzz from Sydney to Brisbane. At the time, because when
• 10:07
  Speaker 4: I was nineteen, I met an ossie guy.
• 10:11
  Speaker 2: Oh here we go.
• 10:13
  Speaker 4: In some poulo and we become really good friends, but
• 10:18
  Speaker 4: we disconnected. We dated for a while, but then we
• 10:21
  Speaker 4: disconnected for probably eight years. And then when I had
• 10:26
  Speaker 4: all my visa documentation, good to go. I sent him
• 10:29
  Speaker 4: an email asking if he could proof read it because
• 10:33
  Speaker 4: he was the only person that I knew that would
• 10:35
  Speaker 4: speak English as first language, and I was like, can
• 10:38
  Speaker 4: you just read my letter off intention? And then we
• 10:41
  Speaker 4: reconnected on that. Ah.
• 10:43
  Speaker 2: Was that a little bit strategic as well, because I
• 10:45
  Speaker 2: think that could have worked, like, oh, hey, like, can
• 10:49
  Speaker 2: you prove read this? I happen to becoming me you Yeah,
• 10:54
  Speaker 2: she's a smart cookie.
• 10:56
  Speaker 4: It was funny because he mentioned that the most expensive
• 11:00
  Speaker 4: been in Australia is rent. Yes, so if I need
• 11:05
  Speaker 4: to stay on the boat with him, I could because
• 11:08
  Speaker 4: he grew up on a sailing boat in his entire life.
• 11:12
  Speaker 4: And I was like, ah, okay, I only have a
• 11:15
  Speaker 4: thousand dollars, so I don't have money to pay a
• 11:18
  Speaker 4: bond or anything, so let's give that a go.
• 11:21
  Speaker 2: So you just moved internationally to come live with this
• 11:24
  Speaker 2: guy that you hadn't spoken to for eight years on
• 11:27
  Speaker 2: a boat exactly. I'm obsessed what happened.
• 11:30
  Speaker 4: Oh we lived together for like two years, two years
• 11:33
  Speaker 4: and a half.
• 11:34
  Speaker 2: Is this like a romantic relationship or were you it's
• 11:37
  Speaker 2: not housemates when it's a boat, maybe boat mates?
• 11:40
  Speaker 4: I think for the first two weeks we were boat mate. Yeah,
• 11:43
  Speaker 4: and then we felt industrating to it because we were
• 11:46
  Speaker 4: living together. We knew each other for like ten years,
• 11:51
  Speaker 4: you know, we Yeah, we had a good connection and yeah,
• 11:55
  Speaker 4: so it was two years and a half and I
• 12:00
  Speaker 4: expected that we would be singingling way more than we did.
• 12:04
  Speaker 4: And I think part of it was, you know, I
• 12:07
  Speaker 4: just arrived in a new country. I need to find job,
• 12:09
  Speaker 4: I need to study it, I need to make connections.
• 12:13
  Speaker 4: And it's really hard to go sailing to find the
• 12:16
  Speaker 4: perfect window when you need to have the perfect wind,
• 12:19
  Speaker 4: you need to have the perfect current, needs to match
• 12:22
  Speaker 4: my schedule, needs to match his schedule. So we didn't
• 12:26
  Speaker 4: sail as much as I thought. So I was like, oh, yeah,
• 12:30
  Speaker 4: I live on my sailing both for two years and
• 12:32
  Speaker 4: a half. Yeah, but I didn't sail that much.
• 12:36
  Speaker 2: That's kind of fun though, like you just lived on
• 12:38
  Speaker 2: a boat.
• 12:39
  Speaker 4: Yeah, and you know, like learn to be very savvy
• 12:42
  Speaker 4: about my space and the things that I would I
• 12:45
  Speaker 4: didn't buy much because you know, one, I didn't have
• 12:49
  Speaker 4: the money too, I didn't have the space for it.
• 12:52
  Speaker 4: My wardrobe was so small, I think it was a
• 12:56
  Speaker 4: middle I had like three or four pairs of shoes.
• 13:00
  Speaker 4: That was it and I made it happen and it
• 13:03
  Speaker 4: was fun. I want to go back living on a
• 13:06
  Speaker 4: boat at some point in my life. My ben the
• 13:09
  Speaker 4: feature with more structure and time, for sure.
• 13:14
  Speaker 2: Yeah, for sure. So what happened two and a half
• 13:17
  Speaker 2: years on a boat?
• 13:18
  Speaker 4: Now?
• 13:18
  Speaker 2: Where are you now?
• 13:19
  Speaker 4: I'm living on a Go Coast. I live in our unit,
• 13:23
  Speaker 4: and I work for Big Aussy retail brand and I'm
• 13:29
  Speaker 4: responsible for the organic traffic. And last year, no, two
• 13:34
  Speaker 4: years ago, I launched my own brand about super products
• 13:40
  Speaker 4: to help me with my curly hair.
• 13:43
  Speaker 2: That's very cool. I love it. So what happened to
• 13:45
  Speaker 2: our boat romance? Is he still on the boat now
• 13:48
  Speaker 2: you're in an apartment? Tell me more.
• 13:51
  Speaker 4: Yeah, he's still on the boat. And I tried to
• 13:55
  Speaker 4: convince him to move to the Go Coast. He didn't want,
• 14:00
  Speaker 4: and I was like, we don't need even to pack anything.
• 14:02
  Speaker 4: We just need to pull the anchor up and move
• 14:05
  Speaker 4: to the Go Coast, you know, like.
• 14:07
  Speaker 2: Like we can actually move there right now exactly.
• 14:10
  Speaker 4: You know, let's check the tide, let's check the wind,
• 14:13
  Speaker 4: and off we go. But he didn't want. And at
• 14:16
  Speaker 4: the time I was commuting from the Go Coast to
• 14:19
  Speaker 4: Brisbane three days a week on the train. It was
• 14:23
  Speaker 4: so exhausting and I was like, I'm going to go
• 14:25
  Speaker 4: to move on the Go coast because I need that,
• 14:29
  Speaker 4: and he didn't want and that's why we broke up.
• 14:32
  Speaker 2: Yep, catch up.
• 14:33
  Speaker 4: He still has the boat and I even pitched to
• 14:37
  Speaker 4: buy it from him. I was like, I can buy
• 14:41
  Speaker 4: it from you, but I was like, oh, it's too
• 14:43
  Speaker 4: much work for me to manage a full time job.
• 14:45
  Speaker 2: Yeah, that's a lot of work.
• 14:47
  Speaker 4: Yeah, yeah, it's too much. Yeah.
• 14:49
  Speaker 2: Absolutely. So I want to know more about you. You said,
• 14:52
  Speaker 2: I work for a big, aussy retail brand. So what
• 14:55
  Speaker 2: is your job titled? And how much money do you win?
• 14:58
  Speaker 4: I'm a search agent optimization specialist, which means that I'm
• 15:03
  Speaker 4: responsible to help the company to be on page one
• 15:07
  Speaker 4: of Google and I own ninety K is.
• 15:10
  Speaker 2: That including or excluding Super?
• 15:12
  Speaker 4: Excluding? So I have that plus super?
• 15:15
  Speaker 2: Oh how cool. That's a good job.
• 15:17
  Speaker 4: Yeah, And that was something that after listening to the podcast,
• 15:21
  Speaker 4: I was like, I need to be aware of these
• 15:23
  Speaker 4: that are want of my salary plus Super. I don't
• 15:26
  Speaker 4: want it to be included on it.
• 15:28
  Speaker 2: Yes, I love that. I was having a job interview
• 15:31
  Speaker 2: the other day, or I was interviewing someone the other
• 15:33
  Speaker 2: day and I, you know, got onto salary and I
• 15:37
  Speaker 2: was saying, what would you like the role to pay?
• 15:40
  Speaker 2: You know, it sits between here and here? And they
• 15:43
  Speaker 2: said a number and I said, is that including or
• 15:45
  Speaker 2: excluding Super? And the La Victoria? If you've taught me anything,
• 15:49
  Speaker 2: it's excluding Super? Is plus Super? And I was like, yes, queen, exactly, exactly, Yeah, yeah,
• 15:56
  Speaker 2: it was the best. I loved it. I was like,
• 15:58
  Speaker 2: you have learnt. Well, well tell me a bit more.
• 16:01
  Speaker 2: Now you've moved to Australia obviously, you've you know, put
• 16:05
  Speaker 2: down a few more routes, moved off the boat. What
• 16:08
  Speaker 2: are your big money goals now? What are you currently
• 16:10
  Speaker 2: working towards.
• 16:11
  Speaker 4: I really want to buy a property this year. I'm
• 16:15
  Speaker 4: aiming for September October. I want to buy a small unit,
• 16:22
  Speaker 4: but I don't want to be renting anymore. That's what
• 16:25
  Speaker 4: I decided kind of two years ago. I got a
• 16:30
  Speaker 4: little bit sidetracked with my goals. But now you know,
• 16:34
  Speaker 4: twenty twenty five, new year, new me. I'm all in
• 16:38
  Speaker 4: for that and I'm on track.
• 16:40
  Speaker 2: Oh that's so exciting. What does that mean if you
• 16:43
  Speaker 2: saved are you planning on accessing any grants or schemes
• 16:47
  Speaker 2: or like, what's the plan around buying a small unit
• 16:49
  Speaker 2: this year?
• 16:50
  Speaker 4: Saving for a deposit. I'm doing some extra gigs, some
• 16:54
  Speaker 4: extra jobs like consultancy and also trans leading text from
• 17:01
  Speaker 4: English to Portuguese. Oh cool for another company. Yeah, you know,
• 17:05
  Speaker 4: it's a good side hushole. I can do anytime. I
• 17:09
  Speaker 4: have kind of two weeks to complete the job, so
• 17:12
  Speaker 4: after work or on the weekends, I can do that
• 17:15
  Speaker 4: and they paying me thirty two dollars an hour.
• 17:18
  Speaker 2: Hey, that's cool. That's cool. Nice money on the side,
• 17:22
  Speaker 2: especially flexible, Like you know, there's lots of flexible side
• 17:25
  Speaker 2: hustles going around, but not many of them. Can you
• 17:28
  Speaker 2: do them on the couch while you're watching maths? So
• 17:31
  Speaker 2: that's pretty exciting exactly.
• 17:33
  Speaker 4: And it's all on my life quite easily because I'm
• 17:38
  Speaker 4: on Air's lack group where they post some jobs and
• 17:42
  Speaker 4: they needed someone with that it speaks a native Brazil
• 17:45
  Speaker 4: and Portuguese, and I was like, oh, I can do that.
• 17:49
  Speaker 4: Why not and pay me? Is okay?
• 17:52
  Speaker 2: So yeah, that's really cool. I love that. Let's go
• 17:55
  Speaker 2: to a really quick break because on the flip side,
• 17:57
  Speaker 2: I want to talk more about this property journey. I
• 17:59
  Speaker 2: want to talk about him. I want to talk about debt,
• 18:01
  Speaker 2: and then your best and worst money habits, because I
• 18:03
  Speaker 2: have a sneaky suspicion you've got some pretty good money
• 18:05
  Speaker 2: habits because you had to be so strict with yourself
• 18:07
  Speaker 2: living on a boat, so guys don't go anywhere money Diarist.
• 18:15
  Speaker 2: We are back, and this is such a fun conversation,
• 18:18
  Speaker 2: Like I just love how you were, Like, ah, my
• 18:22
  Speaker 2: friend said that the Gold Coast is a little bit
• 18:24
  Speaker 2: like where I'm currently from, and therefore I'll love it.
• 18:27
  Speaker 2: I'm just going to move overseas, Like not only am
• 18:30
  Speaker 2: I going to move overseas, I'm going to do it,
• 18:31
  Speaker 2: and I don't have heaps of money, don't have a plan,
• 18:34
  Speaker 2: Like you didn't come and check it out first. You
• 18:36
  Speaker 2: just got on a plane, came over and I guess
• 18:38
  Speaker 2: I live here now, So tell me where did you
• 18:41
  Speaker 2: get the confidence for that? Because I feel like even
• 18:45
  Speaker 2: I going on an interstate trip on my own, I'm like, oh,
• 18:48
  Speaker 2: I don't know if I like this, Like I'm going
• 18:50
  Speaker 2: to Sydney by myself, but you're just jumping countries at
• 18:54
  Speaker 2: this point, So tell me what drove that, like, how
• 18:58
  Speaker 2: did you know that was going to work out?
• 19:00
  Speaker 4: Well, I didn't know, but I hate missing an opportunity.
• 19:04
  Speaker 4: I hate that. And I was like, Okay, I have
• 19:09
  Speaker 4: a job. I had a cool job back home. I
• 19:12
  Speaker 4: was doing marketing and pr for a big beer brand.
• 19:18
  Speaker 4: But I was not earning enough and I didn't have
• 19:21
  Speaker 4: a boyfriend. I didn't have kids. My parents are you know,
• 19:25
  Speaker 4: they're really healthy. And I was like, if I don't
• 19:28
  Speaker 4: do it in now, I won't do it if I
• 19:31
  Speaker 4: find someone, and things will become really hard. I was like,
• 19:35
  Speaker 4: now it's the time. If I don't do it now,
• 19:37
  Speaker 4: I want to do it later. I will get too comfortable.
• 19:40
  Speaker 4: I'm cancer. I like home.
• 19:42
  Speaker 2: I'm a cancer as well. That's why I'm like, I'm
• 19:44
  Speaker 2: a Cancerrian Like, there's no way I would do that.
• 19:47
  Speaker 2: I love my home, like I like my creature comforts.
• 19:50
  Speaker 2: I like to know and be in control of what's
• 19:52
  Speaker 2: going on. And that's just so far out of control.
• 19:55
  Speaker 4: Yeah, yeah it is.
• 19:57
  Speaker 2: But you did it and it worked.
• 19:58
  Speaker 4: Yeah, work out well. And I told my mom that
• 20:01
  Speaker 4: I would come back after six months. I knew dip
• 20:05
  Speaker 4: down that I wouldn't.
• 20:06
  Speaker 2: But that made you feel better. I like it. And
• 20:09
  Speaker 2: how many years has it been now?
• 20:10
  Speaker 4: Sventain?
• 20:13
  Speaker 2: Sorry, Mom, Yeah, wolves talk to me about investing. I
• 20:19
  Speaker 2: know that you listen to the Shees on the Money podcast.
• 20:22
  Speaker 2: Are you investing? Is there a plan? What does that
• 20:24
  Speaker 2: look like in your life?
• 20:26
  Speaker 4: So I have my superannuation. I learned that, and I
• 20:31
  Speaker 4: have an account A shows this and I'm getting a
• 20:35
  Speaker 4: percentage of the money that I spend in shopping and
• 20:40
  Speaker 4: that goes automatically to it.
• 20:42
  Speaker 2: Oh cool, you've got roundups.
• 20:44
  Speaker 4: Yes, that one. And I really like that feature because
• 20:47
  Speaker 4: I don't need to think about it.
• 20:49
  Speaker 2: Yeah, I just switched it on. And I know that
• 20:52
  Speaker 2: you know, that's a privilege to be able to do that,
• 20:54
  Speaker 2: But I just turned it on because I was like,
• 20:57
  Speaker 2: I'm consistently investing, But like all the little things, they
• 21:00
  Speaker 2: also add up. And I mean, if I'm gonna have
• 21:02
  Speaker 2: a little coffee as a treat, I think that my
• 21:05
  Speaker 2: investment should benefit as well.
• 21:07
  Speaker 4: There I go. Yeah. And also I think if I
• 21:12
  Speaker 4: go to the end of the week when I receive
• 21:14
  Speaker 4: my payment and then I transfer I don't know, one
• 21:18
  Speaker 4: hundred dollars feels really heavy. Yeah, and if I just
• 21:22
  Speaker 4: have five dollars years five dollars there. It doesn't like
• 21:25
  Speaker 4: add up in a good way, not as heavy on me.
• 21:29
  Speaker 2: It kind of is like controlled money leaking, like when
• 21:32
  Speaker 2: you're not in control of your budget, right you like
• 21:35
  Speaker 2: look back on the month that was and you're like,
• 21:37
  Speaker 2: my gosh, like my money just disappeared, and then you
• 21:40
  Speaker 2: realize it was on like a coffee here or there,
• 21:42
  Speaker 2: or you might have like picked up like a snack
• 21:45
  Speaker 2: for five dollars, because like sometimes you just look at
• 21:46
  Speaker 2: your bank account and you're like, oh, five dollars won't hurt,
• 21:49
  Speaker 2: that's fine. I will have a croissant, like and you
• 21:51
  Speaker 2: just don't think about these things and like that's fine.
• 21:54
  Speaker 2: But by the end of the month you're like, I
• 21:55
  Speaker 2: don't know where my money's gone. But you're kind of
• 21:58
  Speaker 2: doing that with investments, so you don't notice. And then
• 22:01
  Speaker 2: all of a sudden you look and you're like, oh,
• 22:03
  Speaker 2: my money's gone. That's fine, Like that makes sense. But
• 22:06
  Speaker 2: your investment is over there laughing because it's doing so well.
• 22:09
  Speaker 4: And then when I look at my wallet at the
• 22:12
  Speaker 4: investment app and it's like, oh there, I no, I
• 22:15
  Speaker 4: didn't know that I had that much money.
• 22:18
  Speaker 2: I love that for you, So tell me about debt.
• 22:21
  Speaker 2: Have you ever been in debt? Have you got debt
• 22:24
  Speaker 2: at the moment? How do you feel about it?
• 22:26
  Speaker 4: Six months ago, I paid off my car. It was
• 22:30
  Speaker 4: my first car that I paid with my money.
• 22:33
  Speaker 2: And I ah good.
• 22:34
  Speaker 4: Every time that I open it, I'm feel so proud
• 22:38
  Speaker 4: and so happy to have that car. And currently I
• 22:43
  Speaker 4: just sign up for a payment plan for egg freezing procedure,
• 22:48
  Speaker 4: so I'm in debt for that.
• 22:51
  Speaker 2: For egg freezing? Was that?
• 22:53
  Speaker 4: Yeah?
• 22:53
  Speaker 2: Yeah cool?
• 22:55
  Speaker 4: I needed to do that because I'm turning twenty five
• 22:58
  Speaker 4: this year, so I needed to do it now. And
• 23:01
  Speaker 4: that's why I got into this payment plan. Not it
• 23:05
  Speaker 4: was really really happy about it, but it was the
• 23:08
  Speaker 4: way that I needed to do to make this thing happen.
• 23:11
  Speaker 2: Yeah, no, that's really cool. I think it's so important
• 23:14
  Speaker 2: to talk more about this as well. I feel like,
• 23:16
  Speaker 2: you know, birth rates in general are going down because
• 23:19
  Speaker 2: women are doing more like you've got an epic career
• 23:22
  Speaker 2: and you've got this epic life. Like Unfortunately, we can't
• 23:25
  Speaker 2: do everything all at once. So can you tell me
• 23:28
  Speaker 2: a little bit more about this egg freezing procedure. Obviously
• 23:32
  Speaker 2: you've you know, sought debt for it, which is great,
• 23:34
  Speaker 2: And I love that you've been able to access that
• 23:36
  Speaker 2: because otherwise, like I mean, you just didn't have the
• 23:38
  Speaker 2: money right and it just wouldn't have happened. And I
• 23:41
  Speaker 2: think that that's a very valid reason for getting into debt.
• 23:45
  Speaker 2: Like it's funny because a lot of people assume that
• 23:48
  Speaker 2: I'm just against debt in general, like I just go
• 23:50
  Speaker 2: absolutely not. I would never, But I just don't want
• 23:53
  Speaker 2: debt to be something that you got into and then
• 23:56
  Speaker 2: you have nothing to show for it, Like you go
• 23:58
  Speaker 2: on a holiday and then you come home from the
• 24:00
  Speaker 2: whole You had a good time, but you've got nothing
• 24:02
  Speaker 2: to show for it, Like this procedure that you're going
• 24:05
  Speaker 2: through obviously setting you up for future success. So can
• 24:09
  Speaker 2: I be pervy and ask about how much that cost?
• 24:12
  Speaker 2: Like what are the costs associated with getting your eggs frozen?
• 24:15
  Speaker 4: It will be around twelve thousand, and I'm hoping to
• 24:21
  Speaker 4: get around five thousand back from Medicare because last year
• 24:27
  Speaker 4: I was diagnosed with endometriosis level three. Oh my gosh,
• 24:32
  Speaker 4: And I will be honest with you, that took me
• 24:35
  Speaker 4: at all financially but also mentally. I was so fatigued
• 24:40
  Speaker 4: and in so much pain, so last year, I had
• 24:43
  Speaker 4: this laparoscopy to get the diagnosed and to remove the
• 24:48
  Speaker 4: extra tissues. And because now my fertility is compromised because
• 24:52
  Speaker 4: of the endometriosis, it will recommend me to do the
• 24:56
  Speaker 4: egg freezing and going on dating. And you are thirty
• 25:00
  Speaker 4: four or thirty five, you know, dey clock sticking, And
• 25:04
  Speaker 4: I was feeling so anxious about going on dates that
• 25:08
  Speaker 4: I was like, I would do this for myself to
• 25:10
  Speaker 4: preserve my fertility, but also to go on dates really
• 25:14
  Speaker 4: looking forward to meet people and get to know people
• 25:17
  Speaker 4: and not having like a list of yeah, does he
• 25:20
  Speaker 4: take this, is he going to be this?
• 25:22
  Speaker 2: Yeah, you're not just looking for the father of a child.
• 25:24
  Speaker 2: You're actually looking for a life partner and that can
• 25:26
  Speaker 2: come later.
• 25:27
  Speaker 4: Exactly exactly because in the last I would say two years,
• 25:31
  Speaker 4: I was not having fun going on the date because
• 25:34
  Speaker 4: I was just like looking for those characteristics and that
• 25:38
  Speaker 4: was not helping me and creating a lot of anxiety
• 25:42
  Speaker 4: about it. So I was like, Okay, there's the endometrialsis
• 25:46
  Speaker 4: there's the age. Let's just do it for you know,
• 25:50
  Speaker 4: my mental health too. Yeah.
• 25:52
  Speaker 2: I love that. That's so valid, But also I'm so
• 25:55
  Speaker 2: grateful that you're talking about it, because how many times,
• 25:58
  Speaker 2: like at the start of this freezing journey, did you go, well,
• 26:02
  Speaker 2: what's that going to cost? Or what's that look like?
• 26:03
  Speaker 2: Or where to even go?
• 26:04
  Speaker 4: What do I do?
• 26:05
  Speaker 2: Like, we just need to be having these conversations more
• 26:07
  Speaker 2: often because we're all in a very similar situation. I
• 26:11
  Speaker 2: feel like not everybody, like I'm not in the siture
• 26:14
  Speaker 2: i've had kids, but like I'm in my thirties. I
• 26:17
  Speaker 2: didn't have kids until I was in my thirties, and
• 26:19
  Speaker 2: like that seems to be the norm now, and the
• 26:22
  Speaker 2: fact that I had to choose in my twenties between
• 26:26
  Speaker 2: my career and my kids, like that pressure is enormous.
• 26:29
  Speaker 2: I love the fact that you were able to freeze
• 26:31
  Speaker 2: your eggs and now you're going to be able to
• 26:33
  Speaker 2: enjoy dating and finding somebody that you actually want to
• 26:36
  Speaker 2: share your life with, as opposed to would he make
• 26:39
  Speaker 2: a good dad? What's this look like? How does that work?
• 26:42
  Speaker 4: Yeah? And create so much anxiety. I just want to
• 26:44
  Speaker 4: go on a date and enjoy getting to know someone
• 26:48
  Speaker 4: and spend time. Let's go bowling, let's go for a walk,
• 26:51
  Speaker 4: Let's do different stuff and get to know each other
• 26:54
  Speaker 4: instead of me being so concentrated at their end result.
• 26:59
  Speaker 4: So yeah, it was something that I didn't want to
• 27:02
  Speaker 4: get into d but there was not all the way around,
• 27:08
  Speaker 4: and I'm glad that I was able to find a
• 27:10
  Speaker 4: way to do it.
• 27:11
  Speaker 2: That's freeing. I love that. So tell me, are you
• 27:14
  Speaker 2: dating yet? Like, what are we doing?
• 27:17
  Speaker 4: No, at the moment, my parents are here.
• 27:21
  Speaker 2: No, we're not going on dates with mom and daddy
• 27:23
  Speaker 2: here now, No, thank you.
• 27:26
  Speaker 4: But I have been just feeling way more excited about
• 27:30
  Speaker 4: meeting people in general, like being around like minded people
• 27:36
  Speaker 4: and doing you know, like I'm going to try rock climbing,
• 27:40
  Speaker 4: I'm going to dance class, I'm trying different activities to
• 27:44
  Speaker 4: get to know people and going to events and putting
• 27:48
  Speaker 4: myself out there a little bit more because I don't
• 27:50
  Speaker 4: want to go back on the apps, so let's leave
• 27:53
  Speaker 4: life a little bit.
• 27:54
  Speaker 2: Yeah, I feel like the apps are a bit well.
• 27:56
  Speaker 2: I mean, I met my husband on Tinder, so like,
• 27:58
  Speaker 2: I'm all about the app, but from the experience of
• 28:02
  Speaker 2: all the single people in my life, like it feels
• 28:04
  Speaker 2: like the dregs of the internet.
• 28:06
  Speaker 4: Yeah, and I think it changed, Like I had friends
• 28:09
  Speaker 4: that made their partners there, but I think maybe in
• 28:12
  Speaker 4: the last three years or since the pandemic, the app
• 28:15
  Speaker 4: dynamic changed a little bit.
• 28:17
  Speaker 2: That's so sad because it used to be really fun
• 28:20
  Speaker 2: and it made it easy. I hope it comes back
• 28:23
  Speaker 2: around like and things go a little bit more wholesome soon.
• 28:26
  Speaker 4: Yeah, I think it's crossed.
• 28:28
  Speaker 2: Talk to me about your best money habit. What do
• 28:30
  Speaker 2: you think that is?
• 28:31
  Speaker 4: I think because I work with marketing, I'm really savvy
• 28:36
  Speaker 4: on you know, promotions or like ways to get a discount.
• 28:41
  Speaker 4: An example, I knew that Dizzier would be back at
• 28:44
  Speaker 4: the gym and I need a new outfit because it
• 28:46
  Speaker 4: was like, I don't want to go with trash clothes
• 28:50
  Speaker 4: to the gym. I want to wear something nice and
• 28:52
  Speaker 4: feel good about coming back. And I got sixty hundred
• 28:57
  Speaker 4: dollars worth of GM GEA for two hundred dollars.
• 29:02
  Speaker 2: What hell.
• 29:04
  Speaker 4: Well, it was not easy, but I checked all the
• 29:07
  Speaker 4: process before I went to the store to check my
• 29:10
  Speaker 4: sizing because I hate returns. So I was like, if
• 29:13
  Speaker 4: I want to get it, I will get it right.
• 29:15
  Speaker 4: And so I added everything to the cart, I put
• 29:19
  Speaker 4: my email there, I waited for the discount code and
• 29:23
  Speaker 4: there was some extra ways to get some extra discount
• 29:26
  Speaker 4: because I got it through between Black Friday and Boxing Day,
• 29:31
  Speaker 4: so after Boxing Day they added I think twenty percent
• 29:34
  Speaker 4: discount extra on top of what discounted it was already.
• 29:39
  Speaker 4: So I was so happy about it.
• 29:40
  Speaker 2: That's actually so cool. That is a significant discount. You
• 29:45
  Speaker 2: are one savvy human being.
• 29:47
  Speaker 4: Yeah, and I got really good stuff that would last
• 29:51
  Speaker 4: me because it's high quality, you know, gym GEA, and
• 29:55
  Speaker 4: it's not after two washes. It will be all transparent
• 29:58
  Speaker 4: when you do a squad.
• 30:00
  Speaker 2: I love that. Now you've got to get in the gym.
• 30:02
  Speaker 2: Now you've got to do what you said you were
• 30:04
  Speaker 2: going to do. I hate that part. I bought myself
• 30:07
  Speaker 2: some new activewear and I was like, I'm going to
• 30:10
  Speaker 2: work out. I'm going to go to Pilate's g I
• 30:11
  Speaker 2: have not done Pilarates once this year yet. I mean
• 30:15
  Speaker 2: I will. I love it. I'm about to go back.
• 30:18
  Speaker 2: But like the motivation, even with the cute outfit, sometimes
• 30:22
  Speaker 2: just doesn't convert.
• 30:23
  Speaker 4: Yeah, let's do a step by step. We got the clothes. Yeah.
• 30:26
  Speaker 2: No, I'm proud of you. I love this for you.
• 30:29
  Speaker 2: So you're super savvy. What's your worst money habit?
• 30:32
  Speaker 4: Do you think? I think when I get emotional, I
• 30:37
  Speaker 4: spend especially on food or little tricks. I'm having a
• 30:41
  Speaker 4: good day, Oh, let's celebrate and let's, you know, go
• 30:45
  Speaker 4: to a nice restaurant. I'm having a bad day. Let's
• 30:49
  Speaker 4: you know, I need to comfort myself. Let's go to
• 30:51
  Speaker 4: an expensive restaurant. You are me, you know, she's good
• 30:57
  Speaker 4: at the time.
• 30:58
  Speaker 2: Yeah, but then you've got nothing to show. Oh, and
• 31:00
  Speaker 2: less money in your bank account, and you're like, why
• 31:02
  Speaker 2: did I do that again?
• 31:04
  Speaker 4: Exactly so? And I think the way that online shopping,
• 31:09
  Speaker 4: for example, it is so gam fled now. It's so
• 31:12
  Speaker 4: easy to spend hours of scrolling and edge things. And
• 31:17
  Speaker 4: I put a time between my purchases, you know, the
• 31:20
  Speaker 4: time that I add to the card and to you know,
• 31:23
  Speaker 4: press buy. But still like, yeah, I think a lot
• 31:28
  Speaker 4: of emotional shopping.
• 31:30
  Speaker 2: Yeah, that's fair. And how are you kind of curbing
• 31:33
  Speaker 2: that You're obviously aware of it, which is I guess
• 31:35
  Speaker 2: the first step. But is that something that you're like, oh,
• 31:38
  Speaker 2: I still haven't gotten on top of it, or do
• 31:41
  Speaker 2: you think that, yeah, that's something that you're actually on
• 31:44
  Speaker 2: top of.
• 31:44
  Speaker 4: I wouldn't say one hundred percent on top of it.
• 31:47
  Speaker 4: I would say that I'm really aware, and some days
• 31:51
  Speaker 4: I can fight against it and like talk to myself
• 31:56
  Speaker 4: it's like, no, you know, let's keep that for the weekend.
• 31:59
  Speaker 4: Let's that for a more like wholesome experience. You don't
• 32:03
  Speaker 4: need that right now, You're just feeling emotional. Other days, Yeah,
• 32:08
  Speaker 4: it's stronger than me.
• 32:10
  Speaker 2: I love that. Other days it's stronger than me.
• 32:12
  Speaker 4: Yeah. Yeah. But I think the process is also progress,
• 32:17
  Speaker 4: you know, like having that awareness and looking at myself
• 32:21
  Speaker 4: and thinking do I really need that? Or is because
• 32:24
  Speaker 4: I'm feeling bad about something that happened at work or
• 32:28
  Speaker 4: I'm feeling lonely That's why I want to compensate in
• 32:31
  Speaker 4: another way. So at least I think now I have
• 32:36
  Speaker 4: these awareness and probably the next step to be on
• 32:39
  Speaker 4: top of it one hundred percent would be really to
• 32:43
  Speaker 4: action on it. But I'm not perfect some days, are
• 32:47
  Speaker 4: you know? I'm good? Other days not as much.
• 32:51
  Speaker 2: That's okay. I love that. At the start of the episode,
• 32:54
  Speaker 2: you said, V I think I'm a bus What do
• 32:57
  Speaker 2: you think it would take to get to an a
• 32:59
  Speaker 2: What does that look like for you?
• 33:01
  Speaker 4: I really would like to stick to my budget and
• 33:04
  Speaker 4: not have those emotionals up and down because sometimes I
• 33:09
  Speaker 4: will put it five hundred dollars on my savings account,
• 33:13
  Speaker 4: and then at the end of the week, I would,
• 33:15
  Speaker 4: you know, transfer back to a hundred because I spend
• 33:19
  Speaker 4: a little bit extra that I had forecasted that I think.
• 33:24
  Speaker 4: But I'm feeling really like aware of my situation and
• 33:28
  Speaker 4: I know where my dollars are going. Now I understand
• 33:31
  Speaker 4: the value of my time, the value of my skills.
• 33:35
  Speaker 4: That something at the beginning I didn't know much. I
• 33:39
  Speaker 4: was just happy to do any job before any money.
• 33:43
  Speaker 4: And now I'm more like feeling confident about saying this
• 33:47
  Speaker 4: is you know what I bring to the table, and
• 33:49
  Speaker 4: that's how much I want to be earning. And yeah,
• 33:52
  Speaker 4: I think I'm getting there. I'm getting there.
• 33:54
  Speaker 2: I love that you're well on the way. I feel
• 33:57
  Speaker 2: like it's not too far away. Do you think that
• 33:59
  Speaker 2: when when you purchase your first apartment or your first unit,
• 34:03
  Speaker 2: you'll feel a lot more like you're on the way
• 34:05
  Speaker 2: or is that not part of your feeling of confidence
• 34:09
  Speaker 2: around money?
• 34:09
  Speaker 4: Now? I think it will be definitely a game change
• 34:12
  Speaker 4: because I think I will be more in control of
• 34:15
  Speaker 4: my decisions. I can, for example, rent the apartment for
• 34:21
  Speaker 4: a year and then go to Europe and then go
• 34:23
  Speaker 4: to Brazil. That is something that I really want to
• 34:25
  Speaker 4: do it and ranting right now I cannot do that
• 34:29
  Speaker 4: because I'm attattaged to the rent. Definitely, I'm seeing this
• 34:33
  Speaker 4: first property as my next step to conquer that independence
• 34:38
  Speaker 4: and be more in control of my decisions and of
• 34:42
  Speaker 4: my time too.
• 34:43
  Speaker 2: I love that. I feel like that's such an achievement
• 34:45
  Speaker 2: as well. Like I just remembering back to the start
• 34:48
  Speaker 2: of this episode, you were like my grandparents had eleven kids,
• 34:51
  Speaker 2: like and now you've gone off and you're like looking
• 34:53
  Speaker 2: at purchasing your first unit and stuff. Do you think
• 34:56
  Speaker 2: that they would think that's really cool?
• 34:58
  Speaker 4: I can want even thing that they could create the
• 35:02
  Speaker 4: concept in their mind that you know, their grown child
• 35:07
  Speaker 4: went to leave overseas on the other side of the
• 35:10
  Speaker 4: country and like having her own career, are you know,
• 35:15
  Speaker 4: living her best life and buying a property because they
• 35:18
  Speaker 4: didn't have a property, No.
• 35:20
  Speaker 2: They didn't have that like accent, and I just I
• 35:22
  Speaker 2: love that, like you've turned what you went through and
• 35:26
  Speaker 2: like not that it was bad, it sounds like a
• 35:29
  Speaker 2: beautiful upbringing, but you've just gone and like grown it
• 35:33
  Speaker 2: into what you wanted, like and you've created this life
• 35:35
  Speaker 2: all on your own. It's not like anybody gave it
• 35:38
  Speaker 2: to you. You were just like, I'm going to do
• 35:39
  Speaker 2: this and I'm going to do it myself. Just makes
• 35:41
  Speaker 2: me so excited for you, and I just know that
• 35:44
  Speaker 2: they would have been like so proud and like, your
• 35:46
  Speaker 2: parents are here right now. Are they loving being on
• 35:48
  Speaker 2: the Gold Coast?
• 35:49
  Speaker 4: Oh? They are. I think, of course they had an
• 35:52
  Speaker 4: idea of what Australia was, but not the way that
• 35:56
  Speaker 4: it is. And I think they were thinking that I
• 35:59
  Speaker 4: was like struggling way more, you know, like they have
• 36:02
  Speaker 4: that amy grand mentality, and now they see that I
• 36:06
  Speaker 4: have my career, I have my things, I live in
• 36:09
  Speaker 4: a nice place in a nice suburb, I have my
• 36:12
  Speaker 4: little car. And I don't think they ever even got
• 36:17
  Speaker 4: like it's something beyond that they could even imagine.
• 36:20
  Speaker 2: I adore that so much as they must be so proud.
• 36:23
  Speaker 2: They probably don't want to go home now They're like, oh,
• 36:26
  Speaker 2: we want to come live with you?
• 36:27
  Speaker 4: Yeah, exactly.
• 36:29
  Speaker 2: I love that so much money, Darrist, it has been
• 36:32
  Speaker 2: an absolute pleasure. I'm so excited for you and this
• 36:35
  Speaker 2: journey and you purchasing a house later this year and
• 36:38
  Speaker 2: just getting it together. Like, I'm just so excited that
• 36:41
  Speaker 2: you're part of our community. You are, honestly, like I
• 36:44
  Speaker 2: wish people could see you because you're like so glowy
• 36:46
  Speaker 2: and happy and have the most beautiful curly hair, like
• 36:49
  Speaker 2: you are a ray of sunshine. Thank you so much
• 36:52
  Speaker 2: for joining me for a money diry. I know the
• 36:54
  Speaker 2: community is gonna love this because I did.
• 36:56
  Speaker 4: Oh, thank you, And it has been like an absolute
• 36:59
  Speaker 4: pleasure and to be part of their community and see
• 37:02
  Speaker 4: you know, on the Facebook group what people share and
• 37:05
  Speaker 4: feel seen and feel part of the community. Talking about
• 37:09
  Speaker 4: money with that is such a taboo and I yeah,
• 37:13
  Speaker 4: I just love this.
• 37:13
  Speaker 2: Community, but me too have the first day did buy
• 37:23
  Speaker 2: shared on She's on the Money is general in nature
• 37:26
  Speaker 2: and does not consider your individual circumstances. She's on the
• 37:30
  Speaker 2: Money exists purely for educational purposes and should not be
• 37:33
  Speaker 2: relied upon to make an investment or financial decision. If
• 37:37
  Speaker 2: you do choose to buy a financial product, read the.
• 37:39
  Speaker 5: PDS TMD and obtain appropriate financial.
• 37:42
  Speaker 2: Advice tailored towards your needs.
• 37:44
  Speaker 5: Victoria Divine and She's on the Money are authorized representatives
• 37:48
  Speaker 5: of money. Sheper pty ltd ABN three two one is
• 37:52
  Speaker 5: six four nine two seven seven zero eight AFSL four
• 37:56
  Speaker 5: five one two eight
• 37:57
  Speaker 4: Nine work if they were