Latest / The Curve / RTC100: Behind the scenes of the influencer industry, with Cartia Mallan.

Transcript

RTC100: Behind the scenes of the influencer industry, with Cartia Mallan. · The Curve

• 0:00
  Welcome to Raising the Curve, a podcast designed to teach you everything you need to know
• 0:05
  to be better with your money.
• 0:07
  And the wise words of Amy Schumer were slipping carrots into the brownie recipe.
• 0:11
  I don't really get the saying.
• 0:14
  It's kind of like eating vegetables that actually taste good.
• 0:17
  You know, I'm like, still not ready to say it.
• 0:19
  Are you on the script?
• 0:20
  It's basically like saying, investing in finance can be boring, but it totally doesn't
• 0:26
  need to be here.
• 0:27
  OK, OK, so we're making it fun by putting the carrot.
• 0:31
  OK, the vegetables are just good for you.
• 0:33
  It's the brownie recipe.
• 0:35
  OK, we got there, we got there, OK.
• 0:36
  OK, well, you've really got to finance me.
• 0:39
  Yeah, one of us has to.
• 0:40
  This is a joke.
• 0:41
  OK, come and learn alongside me from Vick Harris, ex-fun manager.
• 0:45
  Well, I'm going to ask all the questions that you wish you could.
• 0:48
  And I'm going to be eating all the brownie you wish you could.
• 0:51
  It's so not the joke, Vick.
• 0:53
  Oh, OK, just come and talk and learn and laugh with us
• 0:56
  because together we really can raise the curve.
• 1:01
  So we recorded this podcast a few minutes ago now, so I've didn't we?
• 1:05
  We were back in line.
• 1:06
  I know, it feels like ages.
• 1:07
  Yeah, we're now in New Zealand.
• 1:09
  We're in very little because it's so hot.
• 1:11
  Yeah, I've smelly constantly.
• 1:14
  Sorry, I should stop saying that's really gross, isn't it?
• 1:16
  But I just kind of think goodness podcast is audio and not in real life.
• 1:22
  You know, that feeling when you put fake tan on, just after you put fake tan on
• 1:25
  your skin, let you touch it.
• 1:27
  And it's like sticky.
• 1:28
  That's how it feels like yesterday I stood up off a chair
• 1:31
  and my ass stuck to the chair and then like sort of peeled off.
• 1:35
  I was like, oh, I love that.
• 1:37
  Not nice.
• 1:39
  But yes, we interviewed the beautiful Cartier Milan back in London a few
• 1:45
  months ago when it was probably there's summer.
• 1:48
  Not the depths of winter that there are now.
• 1:50
  And it was a really, really incredible conversation.
• 1:53
  And gosh, she was such a great energy.
• 1:56
  I love talking to her.
• 1:57
  She's been like an online personality for a really long time.
• 2:01
  She's got 508,000 follows on Instagram.
• 2:04
  I don't even know how many on YouTube, but a lot.
• 2:07
  She's been building this up as her business for a really long time.
• 2:10
  And we wanted to speak to someone who identified as an influencer or a content creator
• 2:14
  and were open to speaking about rights and how they negotiate things with clients
• 2:19
  and what that's like as a freelancer in the space of content creation.
• 2:24
  It's really interesting because only really in the last couple of years
• 2:27
  has this become a proper career choice that people are now interested in doing
• 2:31
  because you can make a lot of money and she's been incredibly successful.
• 2:35
  So it was a really interesting chair and we spoke a lot.
• 2:38
  She hasn't know a whole lot about investing and I love the bit towards the end
• 2:41
  where she started asking you questions of it.
• 2:43
  And she was like, okay, so say I this, this, this, this.
• 2:45
  Because I was like, life, that was.
• 2:48
  Yeah, I thought that was cool.
• 2:50
  I was like, no, we're interviewing you.
• 2:54
  No, it was, no, it was really good to see that she was interested in investing
• 2:58
  and invested a little bit in herself.
• 2:59
  And I loved how she keeps saying, say, I was like, I was like, quite fun.
• 3:04
  We've got to keep up with the young kids, you know, like they all say slay.
• 3:08
  And also one thing to note as well is that the audio like classic.
• 3:12
  So if Victoria set up, there was a couple of times where our microphone kind of
• 3:16
  bleed into each other's.
• 3:18
  So there's a few bits of like random echo, but stick with it.
• 3:21
  I listened to the whole thing just before and it's actually totally fine.
• 3:24
  But if you're like, this isn't the curve normal tip top perfection audio,
• 3:29
  then I'm sorry about that.
• 3:31
  Yeah.
• 3:32
  But enjoy the episodes.
• 3:33
  And this is also just fact, just so you know, the South 100th episode.
• 3:36
  Wow.
• 3:37
  Wow.
• 3:38
  100th episode of raising the curse.
• 3:40
  Like that.
• 3:42
  Yeah.
• 3:44
  Gosh, if you told me that when we did our first one, I would have been like laughing.
• 3:48
  I know.
• 3:49
  Oh my gosh.
• 3:50
  Can we have a celebration when we each have 1,000 episodes?
• 3:52
  That would be old and great.
• 3:53
  That's like so far away.
• 3:55
  I'm already old and grey.
• 3:57
  How long have we done 100 and what three years?
• 3:59
  So that means if we did that time is 10, 10 to 30 years away.
• 4:04
  So it's retirement.
• 4:05
  We'll be in our 20 year holiday.
• 4:06
  Yeah.
• 4:07
  God, the conversations would be quite good.
• 4:09
  But when we need to be to spend $75 a week now, it's got to, yeah.
• 4:17
  OK, a nice from us.
• 4:18
  A nice from us, a nice from us.
• 4:19
  A nice from us, a nice from us.
• 4:20
  Over to Cartier.
• 4:23
  So we have a guest in studio who feels kind of like home, right?
• 4:26
  She's Australian.
• 4:27
  Yeah.
• 4:28
  Close to New Zealand.
• 4:29
  Yeah.
• 4:31
  Cartier Milan, now you have been someone that I followed for a long time.
• 4:34
  In terms of just like, you have such amazing, honest, vulnerable content.
• 4:39
  So for anyone who doesn't know Cartier, she has a massive YouTube.
• 4:42
  That's kind of your main channel, right?
• 4:44
  Yeah.
• 4:45
  YouTube and Instagram, I mean, on the thousands of online platforms
• 4:49
  that we have these days.
• 4:50
  That's really overwhelming.
• 4:51
  It is.
• 4:52
  New day, new platform.
• 4:53
  Oh, gosh.
• 4:54
  We want to skip you on because, I mean, our podcast, as you know,
• 4:57
  we're talking about money and we're trying to create more open, candid conversations
• 5:02
  about all things, finance, investing, how people make money, how much they make,
• 5:06
  you know, which can be really uncomfortable, we get it.
• 5:10
  But I know with a lot of your content over the years and things that you've shared on
• 5:14
  the various platforms about, I mean, to health, about friendship, about love, relationship,
• 5:19
  sex, like you're very much about trying to be as candid on the internet as you can be.
• 5:23
  And I think that it's really hard to do that well.
• 5:27
  I think a lot of people are really trying to step into that space, but not doing it authentically,
• 5:33
  whereas you've kind of been the OG of doing that since, you know, at the start of the
• 5:36
  beginning of time.
• 5:37
  I've been crying on Snapchat.
• 5:38
  I'm really in all started when I would just cry on my Snapchat and it would just like,
• 5:42
  I didn't really question it.
• 5:43
  I just was like, this is what I do.
• 5:45
  How would you describe yourself, like what would you're living walking by O.B.?
• 5:50
  I guess, you know, first and foremost, like you would say I'm an influencer, I think that's
• 5:54
  what everyone just calls it now and use content creator, whatever, but I started my backgrounds
• 5:59
  actually in acting.
• 6:00
  I grew up acting and doing all of theatre school and all that and that's why I thought
• 6:03
  I would do it and then I ended up transitioning into this.
• 6:06
  It just happened naturally when I was younger because I posted a video on YouTube and it
• 6:11
  went viral when it was like back in the makeup days.
• 6:14
  Anyways, so then I just gained a following from that and now I guess I do, yeah, social
• 6:19
  media on mainly Instagram, YouTube and TikTok and stuff.
• 6:23
  And then I also have a podcast with my best friend Ashton, which looks about mental health.
• 6:28
  Okay, so online is your job and your life and your documenting it all the time.
• 6:34
  From a financial perspective, what was that journey like for you in terms of going from
• 6:40
  doing something organically to becoming a job that is funding your lifestyle?
• 6:44
  It was really funny because I started when I was 17 and as I said, it happened really
• 6:49
  organically and influencing because I was not a thing yet.
• 6:53
  Like it wasn't how everyone now was like, I want to be an influencer, like back then
• 6:56
  I was literally at the start of when it was happening.
• 6:59
  So it was kind of like this weird thing where you kind of got given stuff and then slowly
• 7:05
  it was like, oh, I'm going to charge for this now, like I'm going to start getting money
• 7:09
  for this.
• 7:10
  So I'd get offered things or shoots or and so I was really young.
• 7:14
  So these brands would be offering me money and I was like, I don't know, like what the
• 7:18
  fuck?
• 7:19
  Quite fun.
• 7:20
  It's such a young age.
• 7:21
  Yeah.
• 7:22
  Oh my god.
• 7:23
  Cool.
• 7:24
  Yeah.
• 7:25
  It was a hundred dollars an hour.
• 7:27
  It was really cool and just weird and so I obviously went to my mum.
• 7:30
  My mum used to work in banking and she was actually in a accountant and a bookkeeper.
• 7:34
  So I'll fill in a J from your mum.
• 7:35
  She tries to teach me and it just goes, I think I have like number dyslexia, like it just
• 7:40
  doesn't clock in my brain.
• 7:42
  So I talk, you know, I said to my mum, like can you help me with this?
• 7:44
  So slowly my mum ended up becoming my manager.
• 7:47
  It was giving Cristina, like I had a mum a jar and we honestly just learnt about it as
• 7:51
  we went.
• 7:52
  On reflection, do you think you like did it right or in terms of, do you think that
• 7:55
  you could have got more or that you kind of wish that you had more?
• 7:59
  Yeah.
• 8:00
  Yeah.
• 8:01
  Like what learning city had?
• 8:02
  Yeah.
• 8:03
  I think we slayed.
• 8:04
  Like I say to my mum like, honestly, I think we slayed it.
• 8:06
  Yeah.
• 8:07
  I think we really slayed.
• 8:08
  Like I always say to my mum, like maybe she just managed me again because we honestly
• 8:11
  killed the aunt.
• 8:12
  My mum is like the best woman in the world.
• 8:13
  She becomes friends with every client.
• 8:16
  She still speaks to clients that I had shoots with years ago.
• 8:19
  She's getting happy birthday messages.
• 8:20
  They're checking with each other every week.
• 8:22
  I'm like, you are.
• 8:23
  But that's what you need though.
• 8:25
  Yeah.
• 8:26
  That's what you need to know.
• 8:27
  People I think in the industry just don't get it that it's like, yes, you're on the screen
• 8:33
  and stuff, but you need to be making friends with people in your industry.
• 8:37
  Yes, the PR girls or the brands, the clients, like you can't just be like, oh, give me money
• 8:41
  and I'll post this.
• 8:42
  Like you can't, but you're not going to get very far with it.
• 8:45
  You need to just still be a human and be humble and be like approachable.
• 8:48
  And I think that's why I think my mum and I worked really well together.
• 8:51
  And you just open communication like, hey, this is the rate we have.
• 8:54
  This is what we can work with.
• 8:55
  Like I think people get quite awkward with the money talk, especially if you're managing
• 8:59
  yourself.
• 9:00
  I know it can be awkward, but my mum often would just pick up the phone and call the brand
• 9:04
  if there was issues.
• 9:05
  No, like not that back and forth awkward emailing.
• 9:07
  So did you give her a cash?
• 9:09
  Like how did that work?
• 9:10
  Yeah, she never took anything from me, bless her.
• 9:12
  But I would like always buy her little presents and I'd fly her around places and we'd do
• 9:15
  dinner.
• 9:16
  Like I try and make up for it.
• 9:17
  But now she does all my accounting.
• 9:18
  She gets paid.
• 9:19
  So, you know, I think because I was younger, she, like bless her.
• 9:23
  She was like, you're just young.
• 9:24
  I'm not going to take money from you.
• 9:25
  But no, so she never took a cut, bless her.
• 9:28
  But I, I worked with her for a few years and then I signed with IMG at quite a young age.
• 9:32
  And I think there was lots that I learned in that was like signing with a big company.
• 9:38
  I was young, like, you know, they knew what they were getting out of me.
• 9:42
  Oh, 100% with them there as well.
• 9:44
  Yeah.
• 9:45
  No, you do.
• 9:46
  You need that learning.
• 9:47
  And I mean, it's, it's so tricky.
• 9:48
  I always say I should honestly write a ebook about influencing and what to do, what not
• 9:53
  to do, what to look out for, especially when you sign with an agency or even just in contracts,
• 9:57
  they try and get you on everything like it's sneaky business.
• 10:02
  So that's my biggest learning is just re, like my mum always says, like contracts, you
• 10:07
  got to read them, reread them and read them again and again and get someone else to read
• 10:11
  them.
• 10:12
  And another big learning is with agencies or anyone like they're working for you.
• 10:16
  You got to, you've got to speak up and it can be really scary and confronting to speak
• 10:20
  up sometimes, but communication with clients or with brands and with special management
• 10:25
  is so important and just being like very vocal, very direct and like just sorting out
• 10:30
  anything.
• 10:31
  Yeah.
• 10:32
  Did you ever feel like when you're having those negotiations, particularly on the money
• 10:35
  side of things, like uncomfortable and like, I guess some tips or tricks or was it like
• 10:40
  good having your mum there?
• 10:41
  Yeah.
• 10:42
  I guess any kind of tips you have for aspiring whether they be influencers or content creators
• 10:47
  for things to think about when it comes to contracts and money.
• 10:50
  Obviously having a middle person is really good for the money side of things because it
• 10:53
  can just feel really uncomfortable and awkward.
• 10:55
  It shouldn't because it's like it's, it's just your rate.
• 10:58
  It's like any job.
• 10:59
  This is your rates, but I understand it can be.
• 11:01
  So it definitely helped at the start having my mum.
• 11:04
  I think a tip is don't be afraid to quote what you think you're worth in that.
• 11:07
  Or if you know that's what rate you deserve, then I would absolutely always quote pop
• 11:12
  rate and then let the brand bring you down and you can see if you're happy to fit with
• 11:15
  that.
• 11:16
  But you know what you deserve in there.
• 11:17
  And I think if you stand your ground with how much you know you deserve, they always
• 11:21
  come back around eventually or if you're happy to move it down, you can do that.
• 11:25
  But if you're really uncomfortable, write an email, pretend that it's from someone else.
• 11:29
  I don't know.
• 11:30
  I know friends that do that.
• 11:31
  Or if you have a manager, obviously you get them to negotiate rates, but it's kind of
• 11:36
  like if they want you, they'll find the money or the resource or something from somewhere.
• 11:41
  And I remember my sister might say to me, she's like, you would rather they go damn,
• 11:45
  we can't afford her then.
• 11:46
  Yeah.
• 11:47
  And so true, I've turned down so many jobs that I've wanted to do before or that it's
• 11:54
  brands that I've liked.
• 11:55
  But it's like, this is actually a bit embarrassing that you think I'm worth that little.
• 11:58
  So from the start, I've always just said, this is my rate.
• 12:03
  And there's been a few jobs that I'll come down if it's a long term contract, but I'm
• 12:07
  notorious for being like, I know what I'm worth in the industry and you have to know
• 12:11
  your worth in the industry.
• 12:12
  It's so saturated.
• 12:13
  It's just being honest, like I want to be a premium talent.
• 12:17
  I'm not accessible to every brand and it's like, if you really want me, then you'll
• 12:20
  know my worth in this and I'll also work really fucking hard for you, but you have to
• 12:25
  know your worth.
• 12:26
  It's almost like stems into all areas of life too.
• 12:29
  Exactly.
• 12:30
  It's relationships.
• 12:31
  It's friendships.
• 12:32
  It's everything.
• 12:33
  And I think as soon as you set the bar down here, it's saying like, I think I'm okay
• 12:36
  with that.
• 12:37
  Absolutely.
• 12:38
  It bleeds into every aspect because that's how I feel about exactly what you said.
• 12:42
  My relationships, my friendships, everything, it's, I know my worth and this is how much
• 12:45
  and it shouldn't money.
• 12:47
  It's like money can be so awkward for people and like, I know so many people and even at
• 12:52
  me at the start, I was like, oh, this is scary, like sending this number of money and
• 12:56
  I'm like, yeah, and you'll honestly be so shocked at how much comes back when you believe
• 13:02
  your worth that much.
• 13:03
  You're like, yes, I know how hard I'm working for this brand.
• 13:05
  Yes, I know what I can deliver.
• 13:07
  Obviously, it's different if you're quoting stupid amounts of money and you're providing
• 13:11
  not great content, you're not being kind to the client, you're not being responsive,
• 13:16
  get to round as well.
• 13:17
  You're reputation in the industry is absolutely everything and I'm someone that also like
• 13:22
  whatever my deliverables are, I would normally post more than that in terms of if it's like
• 13:26
  a brand trip or it's something like, you want to deliver, I always try and over-deliver
• 13:32
  than under-deliver.
• 13:33
  Then they come back again.
• 13:34
  Yes.
• 13:35
  All they'll do is extend the partnership.
• 13:37
  How many income revenue strings do you have?
• 13:40
  Is it majority from the different platforms or do you have like affiliate partnerships
• 13:46
  like in terms of building art car team alone as a business?
• 13:50
  Where is that at now and is there a kind of a vision for how you'd like that to evolve?
• 13:54
  Yeah, I feel like I have been just being a little kid for the past since I started and
• 14:00
  I've not been very smart with where I put my money.
• 14:03
  It's funny because all of my family is very business savvy like my dad's side, they're
• 14:08
  all in like business and construction and all this, my brother is like a mathematical
• 14:13
  nerd and investment nerd.
• 14:15
  My mother is an investment nerd and I'm just here like, all my money is sitting in my
• 14:20
  bank account, rotting.
• 14:21
  Excuse me?
• 14:22
  Oh my God.
• 14:23
  Yeah, no, no.
• 14:24
  I need to speak to you.
• 14:25
  And my mom has helped me invest, I've invested some money in some stocks.
• 14:29
  No.
• 14:30
  Don't know where that's at.
• 14:31
  So that's interesting.
• 14:32
  Do you know what you've invested in?
• 14:33
  To pay.
• 14:34
  Oh, you're cool.
• 14:35
  Yeah.
• 14:36
  Like, she's laid me with that because I don't know what it is now and I don't understand
• 14:39
  stocks.
• 14:40
  I'll probably never really get into that because I don't know.
• 14:42
  I would love to get into property like that somewhere I think I could thrive as property
• 14:47
  investment.
• 14:48
  And so when I go home to Oz, I'm going to buy myself my first place.
• 14:51
  Is that because you like the design and the interior and you feel like you can.
• 14:54
  It's a visual.
• 14:55
  It's a tangible kind of visual and it's visual and I just get it for some reason.
• 15:01
  I kind of think I could, that's the thing that frustrates me about investing in stocks.
• 15:04
  Hold on.
• 15:05
  We've got a guest.
• 15:06
  Don't get too angry.
• 15:07
  No.
• 15:08
  You know, it's just, it's all numbers on a screen.
• 15:09
  It's like, if they made it more interesting and fun, you get way more tired of the people.
• 15:13
  Yeah.
• 15:14
  And I wish I got it because it seems amazing to get.
• 15:18
  But I just, yeah, I don't.
• 15:19
  But my affiliate stuff is something I'm going to look into like I've just signed with
• 15:23
  a new management and they're like, you should get on this little affiliate thing because
• 15:27
  it's definitely an easy way to make extra money.
• 15:31
  Do you mean that like when you've seen someone to a product and stuff because I think
• 15:36
  people, yeah, make quite a bit of that.
• 15:38
  Most of my money comes from just my brand sponsorships and yeah, my podcasts and stuff.
• 15:44
  But all of our money from our podcast goes straight back into the business.
• 15:48
  Like we're not paying from that, paying ourselves from that or anything, but I'm definitely
• 15:53
  going to look into, I've had ideas for different brands.
• 15:55
  I've wanted to do for years and I have multiple ideas.
• 15:59
  It's more just finding the time and like commitment to when I'm ready to do that.
• 16:03
  And I have like 15 million things in my brain.
• 16:06
  I want to do it once.
• 16:07
  So it's I end up getting scrambled, but exactly the same.
• 16:09
  Yeah.
• 16:10
  Yeah.
• 16:11
  I want to sit and speak to my brother because he's someone that is kind of like, what the
• 16:15
  fuck are you doing?
• 16:16
  But you're in.
• 16:17
  You've got your savings and the bank basically at the moment or a lot of it.
• 16:20
  Yeah.
• 16:21
  Yeah.
• 16:22
  It's all just sitting there.
• 16:23
  You're like, I feel like maybe you can.
• 16:28
  How long do we have?
• 16:29
  Yeah.
• 16:30
  Live it in all seriousness.
• 16:31
  There will be people listening who maybe this is the first episode they've listened to.
• 16:34
  So or people who follow part year and have no way about anything to do with money.
• 16:38
  It might be kind of worth just doing a quick little why it's not great to have your money
• 16:41
  in the bank.
• 16:42
  Yeah.
• 16:43
  So it's not great to have your money in the bank.
• 16:44
  No, I literally feel like talking about it already.
• 16:47
  No, no.
• 16:48
  If you didn't know, you did not honestly.
• 16:51
  It's because inflation is running, like probably seven, eight percent store in the UK.
• 16:57
  And so your money a year ago, you can now purchase less with it because inflation is
• 17:03
  eating away at it.
• 17:04
  And is it kind of the percentage of inflation?
• 17:06
  So like what you can buy now is eight percent more expensive than last year.
• 17:09
  So technically, if you've got like what?
• 17:11
  For the dollar values the same, but what you can purchase with that has been a lot less.
• 17:15
  So it's like you need to make sure that your money in the bank is growing as much as
• 17:20
  inflation or more.
• 17:21
  So we're in a really.
• 17:22
  Otherwise you're losing.
• 17:23
  Yeah.
• 17:24
  Yeah.
• 17:25
  Yeah.
• 17:26
  So we're in a tricky time because inflation is so high.
• 17:27
  But even when inflation is like two to three percent, you need to, you're still losing money
• 17:31
  back in the bank.
• 17:32
  Unless it's growing by greater than that.
• 17:34
  So that's kind of why you're going to be going backwards unless you, she's like, I know,
• 17:40
  I know.
• 17:41
  I'm just like, you're still now.
• 17:42
  Don't get me wrong.
• 17:43
  No.
• 17:44
  I need this.
• 17:45
  Yeah.
• 17:46
  I need this.
• 17:47
  So what's the best thing that I should be putting it into?
• 17:48
  Well, it depends what your goals are, but if you want to buy property, do you think that
• 17:52
  is more stupid?
• 17:53
  I think property is great investment.
• 17:54
  Yeah.
• 17:55
  It's figuring out what is right for you.
• 17:57
  Don't invest in stocks if you don't care for them or you don't understand them.
• 18:01
  I do.
• 18:02
  There's no point because you won't be interested and you'll lose motivation.
• 18:05
  Yeah.
• 18:06
  If property is something you want to own because you want to buy it, do it up even
• 18:09
  at whatever.
• 18:10
  That's a great investment.
• 18:11
  So it's just like figuring out what's right for you and doesn't just because everyone
• 18:14
  else is doing stocks.
• 18:15
  Yeah.
• 18:16
  I think it's my job just has for years gone just property.
• 18:18
  Like even when I was 18, I moved to Byron Bay and I said to my mum, you need to buy something
• 18:23
  here.
• 18:24
  Like if I had the money right now, I'd buy something here and she looked into it for
• 18:26
  a bit.
• 18:27
  Look what's happened now to Byron Bay.
• 18:28
  Yeah.
• 18:29
  If I bought that house two years ago, like 800K out in Bangalore, which now costs 1.71.8,
• 18:36
  2.1, whatever.
• 18:37
  It's crazy how much it's gone up and I always say to my mum, you should have listened
• 18:43
  to me.
• 18:44
  And now I'm going to go home and definitely invest in...
• 18:46
  But there will be another Byron Bay.
• 18:47
  Do you know what I mean?
• 18:48
  I mean, it's harsh.
• 18:49
  It's for sure.
• 18:50
  Yeah.
• 18:51
  But it's for the Byron Bay.
• 18:52
  But I also think Australians in New Zealand just have like some weird fascination with
• 18:57
  owning property.
• 18:58
  It's kind of, I think, the sense of home or like, because we have this space and you
• 19:02
  know, we've grown up with our parents owning properties in it.
• 19:07
  We want our own.
• 19:08
  It's kind of the sense of like success as well and I don't know, it's part of me staying
• 19:12
  all of that stuff.
• 19:13
  It's not like investing in like stuff like watches.
• 19:15
  I know all the bros do that.
• 19:16
  Yeah.
• 19:17
  That's what I said to my mum.
• 19:18
  I was like, because I was saying, my money is sitting in this account and what are we
• 19:21
  doing?
• 19:22
  And she's like, well, you said you wanted to buy a house.
• 19:23
  So I'm not trying to encourage you to put it into stocks.
• 19:24
  If you want to buy a house, I was like, I'm going to buy a watch.
• 19:26
  And she was like, what?
• 19:27
  And I was like, well, all the bros are doing it.
• 19:29
  And they're all buying these crazy watches and then all my friends like, well, good luck
• 19:32
  getting one.
• 19:33
  You have to go on a waiting list.
• 19:34
  And I was like, OK, well, I'll figure it out, but they do go up a lot.
• 19:37
  Yeah, yeah.
• 19:39
  Yeah.
• 19:40
  Yeah.
• 19:41
  Yeah.
• 19:42
  Yeah.
• 19:43
  Yeah.
• 19:44
  Yeah.
• 19:45
  Yeah.
• 19:46
  Yeah.
• 19:47
  Yeah.
• 19:48
  Yeah.
• 19:49
  Yeah.
• 19:50
  Yeah.
• 19:51
  Yeah.
• 19:52
  Yeah.
• 19:53
  Yeah.
• 19:54
  Yeah.
• 19:55
  Yeah.
• 19:56
  Yeah.
• 19:57
  Yeah.
• 19:58
  Yeah.
• 19:59
  Yeah.
• 20:00
  Yeah.
• 20:01
  Yeah.
• 20:02
  Yeah.
• 20:03
  Yeah.
• 20:04
  Yeah.
• 20:05
  Yeah.
• 20:06
  Yeah.
• 20:07
  Yeah.
• 20:08
  Yeah.
• 20:09
  Yeah.
• 20:10
  Yeah.
• 20:11
  Yeah.
• 20:12
  And boosting is anything is going to go up and value.
• 20:13
  Yeah.
• 20:14
  So if it's vintage cars, if it's art, like jewelry, jewelry, yeah, my brother does art as well
• 20:16
  and stuff.
• 20:17
  Yeah.
• 20:18
  I feel like I want to get into, I feel like I've just hit that age now where I'm like,
• 20:21
  OK, you've been going down this one path for a long time.
• 20:25
  It's time to wise up, smart enough a little bit.
• 20:27
  So you're not just relying on this one income stream because it's not going to be forever,
• 20:31
  my desires for what I want for myself is changing every day with with the whole
• 20:36
  well, like it's not new and fun to me anymore. I've been in it for so long. And I just see it
• 20:42
  becoming ridiculously saturated. Then I'm like, okay, we're going to, we need to wise up.
• 20:47
  That's really good, though, that you know, to have multiple income streams, because that's also
• 20:52
  within besting. It's like, okay, well, maybe you've got the money, maybe you're doing this
• 20:55
  someone watches and someone property because the property market could blow up one day, but you'll
• 21:00
  be like, hey, you know what? I've got my watch, but it's like so true. It's like the more that
• 21:06
  you can diversify your income, your investments, anything is like, you're going to be like way more
• 21:12
  at ease. And also think, you know how you've got this like tiny little part of your brain that's
• 21:17
  my God, me tell you, like, as if you've got a tiny brain. What I mean is there's like a little
• 21:20
  voice in the back of your head where you're like, I kind of know I shouldn't have my savings in the bank,
• 21:25
  but I also kind of don't feel super confident knowing what to do with it. I think what I've really
• 21:29
  found in the last couple of years, the more that I've learned about investing and the different
• 21:34
  assets might not just be stocks, is when you have used that money in a clever way and you've
• 21:39
  invested in something that you know, you're like, yeah, that was good for me. Yeah. You have this
• 21:44
  confidence and like, I've got myself more than just having money in a bank account, whereas I used
• 21:49
  to think I'd just look at my savings and be like, oh, there's 15 grand, I feel good about that. Whereas
• 21:54
  now, like, for example, I was looking at my Shareses, which is an online where you can invest in stocks,
• 22:01
  sorry to manslaughter. And I put in, I think it was 16,000, you know, that went up to 21,000
• 22:08
  just in the last year. So I made nearly $6,000 on my stocks. And like, that to me, I'm just like,
• 22:15
  I'm like, so proud of myself. Totally powered financially. As you slowly take the steps and
• 22:20
  it's just like, it's definitely not getting the confidence. And I've, my mistake is that I haven't
• 22:25
  asked enough people. And I feel like the more people you do ask for you, like, in it's amazing
• 22:29
  that you guys have a podcast about it, which I need to listen to every week. Because it does help
• 22:34
  when it's a bit more simplified in like a normal human terms. And it's just, I'm lazy like that.
• 22:39
  If something's too overwhelming for my brain, I'm like, I'll just deal with that later, later, later.
• 22:43
  Now I'm to turn 25. I'm like, later's now. Let's get ahead so that you can fund your life. You don't
• 22:49
  need no man's to, you know, have you saw it at it? You got this yourself. So yeah, speak
• 22:55
  of men. And also just generally, I mean, dating in the public eye, you know, do you know what it is
• 23:02
  so weird? This is really embarrassing to admit. When I was on my way here, I was like, I wonder if
• 23:06
  your net worth is visible, you know, I was just thinking like, when you are a public figure,
• 23:10
  like any actors, you can Google. But dating someone who is a public figure, whether they're a footballer
• 23:15
  actor or whatever, where you can also do the same thing with that. Like, you can Google your
• 23:20
  partners net worth, which you can't do when you're just dating like someone. How does that dynamic
• 23:27
  financially play out for you? Like, is that something you've experienced in relationship,
• 23:31
  where like there's not been a balance, but I just love to hear your experience with money
• 23:35
  in relationship. Yeah, I've had one relationship where my partner knew I was making more than him.
• 23:42
  We were similar in the same industry. And it definitely caused a bit of like friction in terms of
• 23:48
  like, I guess maybe he didn't feel as masculine and, you know, it became a little bit competitive in
• 23:55
  that, which I never have had an issue with. I was like, for me, it's like as long as my partner is
• 24:00
  working and he's equally as passionate as I am as what I'm doing and like driven and motivated.
• 24:04
  He's not just sitting on a couch, smoking weed, you know, I'm paying for everything. Then it's fine.
• 24:09
  But even in terms of, yeah, then another partner I've had is was making a shit ton of money.
• 24:15
  And I'm like, I'm like, slay. That's so good for you. But for me, I'm not a very like,
• 24:19
  I've never been a very money oriented person. Now, as you can tell, I've never really focused on
• 24:24
  it very much. Like, I'm very like passion based. So it doesn't matter to me. And that doesn't
• 24:29
  also like define why I'm with that person. But I don't see it as an imbalance. Like for me, I'm just
• 24:37
  like, oh, that's like great for you. If anything, it motivates me. Like my last relation,
• 24:41
  it was motivating to me. I'm like, wow, you're making like a real lot of money. And I'm looking
• 24:45
  how you're living. And I'm like, whoa, I want this. I want this for myself. Well, like this is
• 24:49
  possible. Like, and yeah, it's just motivating, I think. Did you, when you would go on dates and
• 24:54
  stuff, would it be let's split this? Like, how does it work in your situation? Yeah. For
• 25:00
  example, the most recent one where they're obviously killing it financially. And you're doing
• 25:05
  super well too. Yeah. How did that play out for you? I think a lot of the time as well.
• 25:09
  Also, I feel like British men are much more like chivalrous than Australian men.
• 25:16
  Australian men, it's just splitting the bill with me kind of vibe. I feel like British guys are
• 25:21
  much more like they kind of know that like they're taking the woman out. And I also feel like my,
• 25:28
  yeah, my ex is very generous. And like he would often pay for dinners. But I would always make
• 25:32
  sure like everyone's in a while. Like I was getting things here and there or like doing
• 25:36
  paying for the dinners. Like if we went out with friends, us girls would pay the bill because he
• 25:40
  would often like do that and stuff. And because I would never want it to feel like I was just there
• 25:46
  like to get all that from him kind of thing. And yeah, I don't know. And that was new to me as well
• 25:51
  when I started dating him accepting that he was like just like paying the paying the dinner bills
• 25:56
  all the time. And I was like, wow, this is like really crazy. It's actually also so nice.
• 26:00
  Like I hate this. Like I get this rule. Like I find it uncomfortable because I'm like I don't
• 26:04
  want you to pay. But I also. So nice. Yeah. Yeah. I think for me there's a very fine line.
• 26:10
  And like sometimes it's like, no, no, I'm going to pay. This is 50, 50. This is like,
• 26:14
  yeah. And then other times I'm like, what do you mean you're not paying?
• 26:16
  Yeah, it's like honestly like poor guy dating me. Yeah. I just followed his lead on it.
• 26:24
  And like would always make sure I was doing little things here and there and cute little things.
• 26:28
  And like doing things within my means that could show him that I was also like contributing.
• 26:32
  And if he was ever like, can you get this? I bet. Yeah. Of course, even if it was like a
• 26:35
  however much money was found that I'd never say no and make him pay. Like I'd grown up being like,
• 26:41
  no, I'll always pay. I'll pay. Like I'll get it even when it's kind of like a situation where I
• 26:45
  probably could have sat back. But yeah, it's just it's such a funny. I just learned to surrender.
• 26:50
  I was like, I'll accept this. Yeah. I also think there's something really interesting in what you
• 26:55
  said about within my means because also if you're someone who has super expensive taste and they
• 27:00
  earn heaps of money and you actually can't afford to go and pay for a £400 dinner and he wants to
• 27:07
  go there or she wants to go there. It's a funny one because you do want to contribute but also
• 27:13
  you wouldn't be choosing that restaurant because it's not necessarily within your means.
• 27:16
  So I would like even say to him if we were going on say like a double day or I remember one night
• 27:22
  we were going to go on this double day at like one of our favorite restaurants and we would always
• 27:25
  order this steak at this places like this wagoo and it was like a £350 wagoo and which is ridiculous
• 27:32
  that I guess to him. It's like whatever and I said do not. Whatever you do, do not order the wagoo
• 27:37
  because you know Ashton's guy that she's bringing will want to split the bill with you. Like
• 27:42
  obviously us girls it's you guys are going to pay like he please don't do that to him and he's like
• 27:47
  yeah no we won't. So it's like you just have you have mindfulness around people.
• 27:51
  Oh my gosh. A 30-pound wagoo. I kind of want to do it. It's really good.
• 27:55
  It's not like it's round no cow like it was a famous cow. It's like it's all from New Zealand
• 28:04
  properly. I would honestly pay with my own money. I would not care. I would do it. I would
• 28:10
  absolutely pay for it. It was so fucking good. Oh really. That was superly good. I don't know why
• 28:15
  they've done to it but it was delicious. I dream about it. What have you done in relationships
• 28:21
  like how you've had that model of growing up and comparatively to what you would want a long
• 28:25
  term relationship to look like? With financial compatibility is that something that you think
• 28:29
  is important to or have you? As I said all that matters to me is that my partner makes money.
• 28:35
  His own money and I want to have my own money as well. I would never want to be in a relationship
• 28:41
  where I am dependent upon anyone for money or stability or anything like that. It's obviously so
• 28:47
  nice. Yeah. It's round before. You just can't. You can't. You don't know what's going to happen.
• 28:54
  I'm like so driven. I want to make something for myself on my own and then how amazing if he's
• 29:00
  slaying and he can provide extra and then if then you have you're like not only feeling stable
• 29:06
  within yourself. You're like oh if I ever needed help like he could help me out and you know then
• 29:11
  you can eventually pay it back or if then you get married together you can form that together. I
• 29:15
  just think it's really important for me personally that I'm with someone that's driven and is
• 29:19
  financially stable because I'm financially stable. I need someone that can match my lifestyle,
• 29:24
  match my life and my goals moving forward. I love that. I think you really put that in such a
• 29:29
  great way. I'm so like do you think that you would be in a mindset where if you were to get
• 29:36
  married to somebody that you would combine finances at some point or do you think that keeping
• 29:41
  that separation makes you I don't know. I would always have my own money I think and like
• 29:48
  when I say this I'm such a little sucker for love like if I was with someone I'm just like
• 29:52
  yes let's combine a whole. Let's combine it and like he's like way richer than me of course
• 29:59
  I'm going to be like yes let's combine. But I think you always should have your own money absolutely
• 30:05
  like you never know what can happen you never know who someone can turn out to be or if they're
• 30:09
  going to do your dirty like as much as I want to believe in love and trust and all that you just
• 30:13
  you never know so I think having your at least some maybe if you like have kids you get married
• 30:18
  and you want to like put some money together. Kids I think it's complicated. It gets complicated
• 30:23
  for sure I think then there's a that's a separate conversation to have like a separate
• 30:28
  account or fund or whatever but you should always I think each party should have their own money.
• 30:34
  We always talk about that even just a small amount whatever it is $1,000 $5,000 whatever you
• 30:39
  command anything like just something that if shit hits the fan. It's like your escape fund or
• 30:43
  you've got a little parcel there that you know you're going to be okay with it and if
• 30:47
  partner's not okay with you having that then that's a whole another conversation.
• 30:56
  I'm wondering if you have any questions for Vic like around with money because like this is a
• 31:01
  no because I think you know it's really literally so fucking many. I think it's been so nice
• 31:08
  for me to be able as you were saying like your mum's really financially literate and your whole
• 31:13
  family are quite into it but I think having friends that you can talk to about this stuff is a
• 31:18
  different situation I mean we spoke at Oxford a couple of weeks ago and the guy one of the guys put
• 31:24
  his hands up and was like so I've got a daughter I try and tell her about the shit she doesn't listen
• 31:27
  and it's kind of like it's because you're her dad yeah it's not because you haven't got
• 31:31
  great information you need to find something you can relate to so I feel like yeah if any of
• 31:37
  you know your audience are listening to this and curious they probably have similar questions to
• 31:41
  so like if there's anything you wanted to chat about. I'm trying to think like well I asked you
• 31:45
  there are the property stuff maybe like you know with people that are like stock brokers and stuff
• 31:49
  is that a way to if you don't want to do the whole understanding the stocks do you think that's smart
• 31:54
  then have like a stock broker that kind of be the in-between person or it's like then how do you
• 31:58
  know who to go do or like yeah it's pretty overwhelming and like that used to be a stock broker
• 32:03
  yeah well not yeah is that what it's called fun then it just like yeah yeah plenty helps just so
• 32:07
  annoying with her like yeah no so stock brokers like a mortgage broker so they effectively just
• 32:14
  you go I want to buy this they go yep cool and they do it for you whereas like you have like
• 32:18
  financial advisor who's like okay yeah what are your goals what do you want to do yeah do you think
• 32:23
  it's smart to I think I'm to say someone like me who's like literally dumb dumb clueless
• 32:28
  instead of going to my mom you're not you know I would normally go to my mom to ask for opinions
• 32:34
  and stuff but I think sometimes having an external opinion could be valid yeah it's not so close
• 32:39
  do you think finding a financial advisor is a smart step for someone that doesn't fully understand
• 32:44
  I think if that's what's going to get you into investing then definitely because like a lot of
• 32:47
  people are like oh but I just don't know who to go with it's like talk to friends talk to family
• 32:52
  talk to people that invest get some we can give you some recommendations yes but just like talk
• 32:58
  to him we like hey do you use the financial advisor who would you recommend but test it out because
• 33:02
  it is kind of like what it's like but it's it's someone that you you want to trust it's like
• 33:07
  giving a lawyer or an accountant you know someone that understands you understands what you're
• 33:11
  trying to achieve so it's okay to go see a few and be like nah I get weird energy from you or
• 33:16
  you just feel like you're trying to take me for a ride or yeah yeah but actually do have an
• 33:20
  episode um raising the curve episode 26 which was four questions to ask before investing like
• 33:25
  with a fund manager yeah so I think if you're wondering if that's something you should do that's a
• 33:30
  great episode because it's just like the things to think about when choosing someone like even the
• 33:34
  one that you shared around having a fund manager an advisor that's invested in the same kinds of
• 33:38
  things that you then invest in because they yeah a choosing ones they know are going to be really
• 33:42
  good you know just stuff like that being like oh do you invest in this too yeah yeah yeah yeah to
• 33:47
  sure but it's yeah it's it's hard because it is quite overwhelming but that's kind of what we're
• 33:53
  trying to do is like if you know the questions to ask where you know what you're looking for then it
• 33:57
  can be really slightly easy but yeah I mean you pay for a financial advisor but yeah we pay for any
• 34:03
  kind of service but yeah I think if that's what you need to get investing then definitely do it
• 34:08
  like better than sitting in the bank sorry yeah totally yeah I think if you're in a position where
• 34:14
  you have enough savings that it's a mere having it in the bank then pay for their financial advisor
• 34:18
  yeah because it's also like with money I think it's so easy to be like I'm an adherence to my right
• 34:23
  yeah and then five years later and then you've lost so me with it my mom gets so angry at me and
• 34:28
  I'm like it just is so overwhelming but I also know how like the potential of my mind if I just
• 34:34
  took a little bit more time to understand because I've always felt like I'm very business savvy
• 34:38
  because I am in my like I am my business like I'm savvy in that way and it's like I just want to
• 34:42
  take it to that next step because I also feel like as a woman feeling really empowered in that way
• 34:46
  would just be quite amazing you know like I've been surrounded by men a lot of my life that are
• 34:51
  very on the business side this this this and this and then I've never included in the conversations
• 34:55
  because it's like oh you just won't understand so I've just started shutting myself off from it being
• 34:59
  like okay yeah I'll never understand now I'm like no cardio that's bullshit like involve yourself
• 35:03
  in the conversation and that's because the information that's because you've learnt and you know
• 35:08
  what what you want and what you're trying to achieve and it's the same with investing it's like yes
• 35:12
  you'll have people that will tell you what to do but the more that you can understand yourself the
• 35:16
  more you would be like no no that doesn't that's not what I want to invest in or that doesn't align
• 35:20
  with my values or whatever yeah but it takes time it's like don't think it's going to happen
• 35:26
  overnight yeah I'm excited yeah I feel like I feel like for me my brain was just in such a like
• 35:37
  ah motor now I'm like okay well we need to look at some things in your life and I think moving
• 35:41
  overseas also puts a lot into perspective too of just like okay like you want more stability so
• 35:46
  and just that not that comfort knowing you've got some things in check and if you're investing
• 35:51
  it well that's another revenue stream yeah you know what I hope my interest coming in on my
• 35:57
  investments thank you yeah um I guess one on maybe that multiple revenue streams the lumpiness
• 36:05
  you know like I'm assuming that you get pays maybe in lump sum or yeah just kind of for in large
• 36:11
  parcels how do you manage that from like a budgeting cash flow standpoint I have set up my like
• 36:19
  me as Cardi and Milan is now a business so it's like I'm all my money goes into my business
• 36:24
  and then I pay myself a salary from the business so once a month I'll get paid from the business
• 36:30
  I guess but yeah thank you mom um because you'll see it tax less once you're a business kind of
• 36:36
  thing yeah as a content creator I guess I used to put in my suppose to say that yeah I mean it's
• 36:41
  probably good because it's probably content creators that I'm gonna hear text if you are
• 36:44
  looking to that oh yeah you know I learned the hard way on that one did you get a big text bill
• 36:48
  somehow yes yes yeah I know so many people that that's happened to you yeah because I was just
• 36:52
  young and didn't know did I I thought that my mom would maybe tell me but I don't I don't know
• 36:56
  what happened there but anyways yeah until that structure was set up I honestly don't know I was
• 37:00
  just learning my savings compile yeah and I wasn't really spending much like so I could manage it
• 37:05
  fine like I I'm not my mom last time I said I've said so much about my mom in this because all my
• 37:10
  money stuff links back to my mother but I say I'm not a big spender she seems to think I am I
• 37:16
  spend my money on like my friends going up for dinners or like just life necessities so I feel like
• 37:22
  I've I've never had to budget because it's hard for free though like maybe and yeah because
• 37:27
  you love fashion is it like yeah yeah I also like I'm a big vintage shopper thrift shopper like I
• 37:36
  I don't have a crazy like I'm gonna go out and I need to buy all these expensive clothes I think
• 37:40
  I've formed more of an expensive taste as I've gotten older so I have a bit more leeway to do so
• 37:45
  but when I made a lot of money when I was younger yeah so that money really has just been like
• 37:50
  compiling over the years because my I was really only out putting out money on my living expenses
• 37:56
  like rent when I moved to Sydney and like when I was in the environment and I'm just smartish when
• 38:01
  it comes I don't drop lots of money on materialistic what have you had any not blowout but if you
• 38:06
  had any purchases yeah like okay this is a treat myself moment yeah you know spend the
• 38:10
  smudge on something yeah what are recently like moving here and I'm when I'm getting paid bigger
• 38:15
  jobs like I'm getting paid in pounds when it hits my account it's double oh yes
• 38:19
  yes I know it's hard it was me for the whole first year though like I you I took an L
• 38:27
  moving here and all my savings I guess came in handy because I did lose a lot of money moving
• 38:31
  here because it was double everything paying in pounds but now that it's going back like I did a
• 38:35
  big job and like got paid and hit my account it was double I was like I'm off to self-adjust
• 38:40
  like yeah yeah and I think it's really important every once in a while to do those little things
• 38:44
  to get you get yourself something because I just never did that growing up I was just I just was
• 38:48
  like I don't need anything like I just kept all my money there I never really like I felt
• 38:52
  weird spending a lot of money on myself it felt silly but no now I do it every once in a while
• 38:56
  make sure it's a really good investment piece that yeah I love that you're looking at that like
• 39:00
  it promises yeah come in sitting off and value it's coming off and value like I used to spend like
• 39:04
  sometimes if I bought say a designer bag I get like something stupid and like bright and colorful
• 39:08
  that I couldn't it wasn't timeless yeah it was only like a for the moment piece now like I buy
• 39:14
  like I bought a wire cell bag the other day that's like a big travel bag and it's it's just black
• 39:18
  with gold and it's like you're gonna have this for years yeah give this to your children if you don't
• 39:23
  destroy it before then you know yeah that's good yeah yeah I need to take leave out of that
• 39:28
  bomb yeah I just get way too excited yeah I've also I'm in a weird position at the moment like
• 39:34
  yeah I had to take so much money out of my investments because moving to London just been so
• 39:37
  expensive like holy shit but I just recently decided I was like you know I'm actually just
• 39:43
  gonna take money out of my investment A because I've smashed my phone screen B because like I have to
• 39:47
  pay for things like lost their pods etc yeah however I'm also gonna take myself on a little
• 39:53
  weak long trip Europe and just not feel sad about it because I've actually just got to the point
• 39:57
  where I was like I'm sick of feeling stressy and like worried and not treating myself I'm just
• 40:01
  gonna give myself a week where I have I know this is stupid and I know I'm taking money out but I
• 40:07
  it's not though like I always talked to my friends about money manifesting like because I'm
• 40:11
  I was saying I'm very spiritual and it's like people are people are either going to be like you
• 40:16
  dumb bitch insane this I don't really care this is what's work for me it's I taught my mom how to
• 40:21
  do this because my mom used to be a stressy about money stuff and I said the minute you relinquish
• 40:26
  all of this stress and this lack of abundance right now you're telling the university tell yourself
• 40:31
  I am lacking I am lacking I'm lacking there's no space to attract anything here especially money
• 40:36
  and I did this myself when I moved to London I wasn't getting any jobs because no one knew who I was
• 40:40
  here yet I wasn't getting booked and then I just was so stressed about money I was like I'm gonna
• 40:45
  have to leave London I'm I can't survive here like everything's expensive like stress stress stress stress
• 40:50
  which you're just putting out a negative emotion it's blocking everything the minute I went
• 40:55
  every day I was doing mantra as I was like I am abundant I am making money I'm getting paid
• 40:58
  lots money getting paid in pounds I would write in my journal pound simple pound simple like
• 41:02
  everything else like money is coming to me now I am deserving of this like blah blah I started
• 41:07
  getting jobs come in jobs come in and I also went to the shops and I bought myself something nice
• 41:13
  or you upgrade your living conditions like I got those new bed sheets that I really wanted and
• 41:18
  I made I got a new Dyson vacuum cleaner or something to keep my house when you invest in things
• 41:24
  that are going to upgrade your living qualities or living standards and you go I deserve to live
• 41:29
  this way watch everything changed I'm not kidding you and it's not saying money just comes out of thin air
• 41:34
  so I was like oh you said I can get you but you set a new standards just like that these are my rates
• 41:40
  because I respect myself it's going well this is what I know I deserve and it's all going to come
• 41:45
  to me like I am attracting this because your hearts open your brain is open you're going I'm just
• 41:50
  going to let this flow in you start to work hard but you're then more positive and when you're
• 41:55
  just doing it for yourself it's like oh my god I'm like proud of myself and it's always making
• 42:00
  sure you're reflecting going this is what I've achieved because it can be so hard when you're like
• 42:03
  on that path to grinding or wanting to make more money and you nothing feels good enough I'm not
• 42:08
  doing enough I'm not enough yet you need to reflect on what you've done in that say past
• 42:12
  month past year so you can acknowledge wow I am making steps because you also can't get caught up
• 42:18
  in money you can't you'll just become a shit person you know money it is that thing it doesn't
• 42:24
  make you happy it makes you comfy and nice things but if you do get too caught up in it it just
• 42:29
  makes you bit evil doesn't it it was like a be careful like there was a survey that was done
• 42:34
  I got there long ago and it was like they interviewed like hundreds hundreds of people
• 42:38
  about that of various salaries and some earned like 50,000 some earned three million you know like
• 42:43
  it was like huge salary discrepancies and they said you know what would be the ideal salary
• 42:48
  where you think you would be happy and you would be fulfilled and everyone said about three to four
• 42:53
  times more than I make now even the people earning millions even the people earning you know next
• 42:59
  to nothing wow everyone wanted that little bit more but then they would have got there and they'd
• 43:02
  want a little more like there's no yeah I can tell you for a fact the happiest I've ever been in
• 43:07
  my life was also I was younger so probably like not as much stress but genuinely it was when I'd
• 43:13
  first moved to Byron and I put all my savings which is five thousand dollars I put it all onto
• 43:18
  this apartment so I could live in Byron to like pay my rent up front I had I couldn't say like nothing
• 43:24
  really in my bank account I was just fucking cruising I was like I'm here in that like I've got this
• 43:29
  place and I'll sort it out and it was the happiest I've ever been like and but I guess I've
• 43:34
  from a young age never been money oriented that much it's never been like my defining factor of
• 43:39
  joy but I've noticed when I moved here and I started stressing about money and I still had
• 43:43
  savings in my account and I'm stressing it's just not coming in as much it does it can make you a
• 43:47
  little bit so yeah so what are my new mantras that I need to work because what are my manifesting
• 43:52
  money my money is coming my way now pounds pounds pounds for a little pound sign
• 44:06
  just have like money coming out of my pockets all the time like I wake up boy
• 44:11
  have a bath and money oh it was so nice to have you yeah thank you guys so much for this
• 44:17
  open yeah it's been really interesting to hear it's cool when you see behind the scenes of
• 44:22
  different industries and people's experiences and I think that people will have learned a lot
• 44:26
  listening to you share that stuff so thank you so much thank you thank you so much for listening
• 44:32
  to raising the curve these conversations are designed to teach you everything that you need to know
• 44:36
  to be better with your money from saving to investing to talking to your friends about your salaries
• 44:42
  and if you liked what you heard we would love it if you could hit subscribe button please
• 44:46
  or speedy yet leave a review at our own taste five seconds and it would really make our week
• 44:52
  oh yeah our month okay lots a lot see you soon bye