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FRIDAY DRINKS: Small team, BIG VIBES · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:23
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 0:26
  Speaker 2: Millennials who Want Financial Freedom. Welcome back to another one
• 0:30
  Speaker 2: of our Friday Drinks episodes where we get to celebrate
• 0:33
  Speaker 2: the money wins and confessions from our community that happen
• 0:35
  Speaker 2: each and every single week. Now, this week we're missing
• 0:39
  Speaker 2: a few of the crew. They're just, I guess, too
• 0:41
  Speaker 2: busy for us nowadays, very busy. Yeah, Georgia was just
• 0:44
  Speaker 2: too busy. I just didn't want to come in. Just
• 0:47
  Speaker 2: kind of a bit slack from my perspective. But we've
• 0:49
  Speaker 2: got the ogs Tony and Ryan here. Do you reckon
• 0:53
  Speaker 2: that we will be able to cut an episode just
• 0:54
  Speaker 2: as good without them?
• 0:56
  Speaker 3: I feel like there's something missing without our little pals.
• 0:58
  Speaker 2: But it actually fins a bit weird. When you guys
• 1:01
  Speaker 2: were like, let's do Friday night drinks, I was like,
• 1:03
  Speaker 2: oh yay, that like nobody's here here.
• 1:06
  Speaker 3: And it also needs to be mentioned that because Jess
• 1:08
  Speaker 3: wasn't here organizing our lives, none of us have a drink,
• 1:11
  Speaker 3: so and I have has a war and I've got
• 1:14
  Speaker 3: my water.
• 1:15
  Speaker 2: Yeah, and we're also definitely not nearly as prepared as
• 1:17
  Speaker 2: we would be without Jess. So that's all.
• 1:20
  Speaker 3: Right, It's fine.
• 1:20
  Speaker 2: Do you think it will survive?
• 1:22
  Speaker 3: I hope. So I'm supposed to be the EP of
• 1:24
  Speaker 3: this podcast, I should probably be able to pull it together,
• 1:26
  Speaker 3: to be honest.
• 1:27
  Speaker 4: What have you done? Then? Oh?
• 1:28
  Speaker 3: I sent you the notes?
• 1:29
  Speaker 2: You did send me some screenshots.
• 1:31
  Speaker 3: Yes, I've seen screenshots of the notes.
• 1:35
  Speaker 2: Eche it was really good. But before we jump into
• 1:38
  Speaker 2: Ryan's money ins, let's just wrap what happened this week
• 1:41
  Speaker 2: Tony money Diaries. What happened on our Monday episode.
• 1:45
  Speaker 3: So our money diary this week was called twenty nine
• 1:48
  Speaker 3: and catching Up, And basically she had gone overseas and
• 1:53
  Speaker 3: felt like when she came back she hadn't earned any
• 1:56
  Speaker 3: souper and she was feeling a bit behind on on
• 1:59
  Speaker 3: what she'd been doing, which is really like a crappy
• 2:02
  Speaker 3: spot to be put in.
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  Speaker 4: Ye, but I feel like everyone it's like almost like
• 2:05
  Speaker 4: a rite of passage Australians. We go overseas for a
• 2:08
  Speaker 4: year ago and you come home with nothing, And I
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  Speaker 4: don't think that's not normal. I reckon that's real common.
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  Speaker 3: Well, she actually stayed overseas for four years.
• 2:15
  Speaker 2: That's such a long period of time, like four years,
• 2:18
  Speaker 2: a lot can happen.
• 2:19
  Speaker 3: Yeah, And when we were talking to our money darist
• 2:23
  Speaker 3: this week, it reminded me a little bit of me.
• 2:26
  Speaker 3: So I didn't travel after I went to UNI. I
• 2:28
  Speaker 3: started working straight away, and every time we kind of
• 2:31
  Speaker 3: really my boyfriend and I really got into our groove,
• 2:34
  Speaker 3: we would move because I got a better job of
• 2:36
  Speaker 3: opportunity somewhere else. So we lived in a country town
• 2:39
  Speaker 3: in Wa for a while, and then we moved to Sydney,
• 2:42
  Speaker 3: and then we moved to Melbourne. And for me, it
• 2:45
  Speaker 3: feels like I've missed out because everybody else in my
• 2:48
  Speaker 3: life is you know, buying a house or getting married
• 2:50
  Speaker 3: or whatever. But we've spent all that time investing into
• 2:55
  Speaker 3: into my career and for ages. I felt really bad
• 2:59
  Speaker 3: about being behind everybody else, but I'm ahead in other ways.
• 3:04
  Speaker 2: And I guess she's literally on she's on the money now.
• 3:09
  Speaker 4: There was news though last week. I think the law
• 3:12
  Speaker 4: used to be that any Australian can move to the
• 3:14
  Speaker 4: UK if they were aged thirty or below, and Australia
• 3:17
  Speaker 4: and England kind of had a deal where we can
• 3:19
  Speaker 4: go work cool. They've actually extended that, I believe to
• 3:21
  Speaker 4: now thirty five now, yeah, because I remember when I
• 3:25
  Speaker 4: turned thirty I kind of have the same kind of
• 3:27
  Speaker 4: bit of fomo. I was like, oh, I feel like,
• 3:28
  Speaker 4: you know, everyone has their London year, yeah, and I
• 3:31
  Speaker 4: never got a chance. And now they've moved that to yeah,
• 3:33
  Speaker 4: I think thirty five.
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  Speaker 2: Yeah great, I'll ask my three pets and my partner
• 3:38
  Speaker 2: if that's an option for us.
• 3:39
  Speaker 4: Should we got and the new house that.
• 3:40
  Speaker 2: You're new house that I'm renovating, and all of the
• 3:43
  Speaker 2: other financial and life commitments that I have, let alone
• 3:46
  Speaker 2: the fact that I have a team literally that I
• 3:48
  Speaker 2: need to be in the office spot. It's not the
• 3:49
  Speaker 2: point we're having a gap year, a gap for you. Well,
• 3:54
  Speaker 2: I never got a gap year either, and I always
• 3:56
  Speaker 2: felt like I was missing out because my little sister
• 3:59
  Speaker 2: did their gap year, and I guess being the older sibling,
• 4:02
  Speaker 2: I'm like the older nerdier like.
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  Speaker 4: Definitely, your sister is definitely the fun one of the thing.
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  Speaker 3: It was pretty cool. I haven't even met her and
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  Speaker 3: I know everybody knows she's.
• 4:09
  Speaker 4: Gonna meet the party of course. God yeah, someone like.
• 4:13
  Speaker 3: Can I hang out?
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  Speaker 2: Jeez, I'm glad, I'm But it's one of those things
• 4:20
  Speaker 2: where I just never considered it. I was so desperate
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  Speaker 2: to get into university because I remember year twelve being
• 4:25
  Speaker 2: so stressful and I was just feeling like, oh my god,
• 4:27
  Speaker 2: if I don't get into UNI, like the world's going
• 4:29
  Speaker 2: to come crashing down, like Newslasher doesn't come crashing down.
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  Speaker 2: I remember being really stressed and you know, going straight
• 4:35
  Speaker 2: into UNI. And by the time my little sister got to,
• 4:38
  Speaker 2: you know, the age where she was finishing year twelve,
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  Speaker 2: I was like in third year UNI, I think, and
• 4:42
  Speaker 2: she was like, I'm going to take your gap year
• 4:44
  Speaker 2: and I was like, what that's an option? Like I
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  Speaker 2: remember my parents being super supportive because she just wanted
• 4:49
  Speaker 2: to see the world and you know, travel and have fun.
• 4:51
  Speaker 2: And I am still envious of that break she got
• 4:54
  Speaker 2: because it just, you know, personally, she grew a lot.
• 4:58
  Speaker 2: She had some really great experiences with her friends. But
• 5:00
  Speaker 2: in saying that, I don't regret anything about what I've done.
• 5:03
  Speaker 2: I just have never had that overseas break, mainly because
• 5:07
  Speaker 2: I just put too much pressure on myself to perform,
• 5:09
  Speaker 2: like and that's okay, We're just all different people, and
• 5:12
  Speaker 2: I think that that's just it is what it is.
• 5:14
  Speaker 2: But as Ryan was saying, Tony, we.
• 5:17
  Speaker 3: Can still have Yeah, We've still got time. I think
• 5:20
  Speaker 3: it was just a really nice way to think about
• 5:23
  Speaker 3: We'll reassure our money tyists that you aren't missing out.
• 5:27
  Speaker 3: And there are things that you gain from whatever you
• 5:30
  Speaker 3: choose that other people don't gain from what they choose,
• 5:32
  Speaker 3: and everything seems all perfect and like the best opportunity
• 5:35
  Speaker 3: when you see other people have done it, but it
• 5:37
  Speaker 3: doesn't take away from what you've gained. And yeah, it
• 5:41
  Speaker 3: was really hard for me personally to understand that I'd
• 5:46
  Speaker 3: invested in my career over all that time rather than
• 5:49
  Speaker 3: saving money to buy a house, and like now I'm
• 5:52
  Speaker 3: twenty seven, and yeah, I could probably own a house
• 5:54
  Speaker 3: and do all these other things that you see.
• 5:56
  Speaker 2: People doing, but that wasn't your values, exactly the thing
• 5:59
  Speaker 2: that you wanted to do. And I think that these
• 6:01
  Speaker 2: weeks Money direst really drove home for me that it
• 6:04
  Speaker 2: doesn't matter what position you're in. Yep, you're still going
• 6:06
  Speaker 2: to compare yourself to the journey of other people.
• 6:08
  Speaker 3: H huh.
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  Speaker 2: And it doesn't matter if you're super impressive and have
• 6:10
  Speaker 2: your first home by the age of twenty seven and
• 6:12
  Speaker 2: three kids and you're married and have been for the
• 6:14
  Speaker 2: last fifty years, Like people don't care, you're still going
• 6:17
  Speaker 2: to compare your journey to that of others. And seeing
• 6:21
  Speaker 2: this person who I was like, Wow, she's traveled and
• 6:23
  Speaker 2: had such great life experience and you know now she's
• 6:26
  Speaker 2: come home and she's investing, yeah, and joint cool things,
• 6:30
  Speaker 2: like what an epic person. Yep, But that's not how
• 6:33
  Speaker 2: she was feeling about it. And I, yah, wait, what
• 6:35
  Speaker 2: what do you mean you don't feel epic about this?
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  Speaker 3: And she actually sent a really nice email as well,
• 6:40
  Speaker 3: like thanking us for having her on the podcast, which
• 6:43
  Speaker 3: was lovely, and she said that she was really proud
• 6:46
  Speaker 3: of how she spoke and that she was really excited
• 6:48
  Speaker 3: to like show her friends and family and that kind
• 6:51
  Speaker 3: of thing. So I think that sometimes it's just that
• 6:53
  Speaker 3: perspective shift that you need that when you talk about
• 6:56
  Speaker 3: yourself in a way that you don't talk it's not
• 6:58
  Speaker 3: the way that you self taught, but when you talk
• 7:01
  Speaker 3: about yourself to others, you kind of hear it in
• 7:03
  Speaker 3: a different light, I think. But yeah, I hope that
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  Speaker 3: anybody that's in the situation where they might be comparing
• 7:09
  Speaker 3: theirselves or you know, feeling like a bit left behind
• 7:12
  Speaker 3: or whatever. It's just never too late and whatever choices
• 7:15
  Speaker 3: you've made were the right ones few at the time.
• 7:17
  Speaker 2: Absolutely yeah, I agree and quickly dust over this week's
• 7:20
  Speaker 2: deep dive. Georgia King and I we sat down and
• 7:23
  Speaker 2: talked about New Financial Year, new financial goals, which was
• 7:27
  Speaker 2: really fun, mainly because I love goal setting and talking
• 7:30
  Speaker 2: about setting goals and resetting goals. And you know, this year,
• 7:33
  Speaker 2: I know that the She's on the Money community have
• 7:35
  Speaker 2: downloaded a lot of those savings hacks sheets and they're
• 7:38
  Speaker 2: loving setting goals and like sharing their goals, and like,
• 7:41
  Speaker 2: I just think it's been so special, and you know,
• 7:45
  Speaker 2: half year is the time that we start to sort
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  Speaker 2: of dwindle on our goals and fall off the bandwagon
• 7:51
  Speaker 2: because oh my gosh, I can't believe it's June, and
• 7:53
  Speaker 2: now I can't believe it's July, and you know, you
• 7:55
  Speaker 2: kind of go, oh, I haven't achieved what I wanted
• 7:57
  Speaker 2: to achieve, But like, we've got so much time left.
• 7:59
  Speaker 2: And I absolutely do not subscribe to the notion that
• 8:02
  Speaker 2: you need a new year to set a new financial
• 8:04
  Speaker 2: or life goal. Like, if you want to do something,
• 8:06
  Speaker 2: just start now. It doesn't matter you don't need the
• 8:08
  Speaker 2: first of January twenty twenty two to do it. But
• 8:11
  Speaker 2: at the same time, I know a lot of people
• 8:13
  Speaker 2: would have set goals on the first of January twenty
• 8:15
  Speaker 2: twenty one that they're now not maintaining, and so I
• 8:18
  Speaker 2: kind of wanted to reinvigorate that talk about goal setting,
• 8:21
  Speaker 2: talk about how to reset those goals and feel okay
• 8:24
  Speaker 2: with it and maybe get back on the bandwagon if
• 8:26
  Speaker 2: you've fallen off. But if you haven't set any goals,
• 8:28
  Speaker 2: now's a great time to think about it as well.
• 8:30
  Speaker 2: So that was a really fun chat, mainly because I
• 8:32
  Speaker 2: love goal setting and talking about how people are achieving things.
• 8:35
  Speaker 2: But that's what the Wednesday AB was.
• 8:38
  Speaker 4: What's your next money go of Victoria Devine.
• 8:40
  Speaker 2: I don't know. I genuinely don't.
• 8:43
  Speaker 4: Tony Lodge.
• 8:44
  Speaker 3: We've got a bit of debt that I would love
• 8:46
  Speaker 3: to pay off, just like some personal credit card debt
• 8:48
  Speaker 3: from like I was doing about before moving around a lot.
• 8:51
  Speaker 3: That's probably our next next thing that we want to
• 8:54
  Speaker 3: polyshaft so that we can start investing and having real
• 8:57
  Speaker 3: savings and that kind of thing ry.
• 9:00
  Speaker 4: We're saving for the house.
• 9:02
  Speaker 2: Oh yeah, I'm sorry, you were an option last weekend.
• 9:06
  Speaker 3: Yeah, god goes from saving.
• 9:09
  Speaker 4: I was not bidding, I was observing.
• 9:12
  Speaker 2: But how much did it go over?
• 9:13
  Speaker 4: By a lot? Yeah? And that's the thing anyone who
• 9:18
  Speaker 4: lives in more probably any major city in Australia at
• 9:20
  Speaker 4: the moment, the house prices are just insane. At the moment.
• 9:24
  Speaker 4: I heard a stat that in Melbourne the house prices
• 9:27
  Speaker 4: are going up eight hundred dollars a day. What And
• 9:31
  Speaker 4: obviously you know it's averaged in every house a little
• 9:33
  Speaker 4: bit different. But when they do the big averages and
• 9:35
  Speaker 4: the big data, every single day it goes up eight
• 9:38
  Speaker 4: hundred dollars.
• 9:38
  Speaker 3: I wish my value went up eight hundred dollars. I
• 9:42
  Speaker 3: wish another eight hundred dollars.
• 9:45
  Speaker 4: So we were hoping maybe towards the end of the year,
• 9:47
  Speaker 4: but like it's we're not saving eight hundred a day.
• 9:50
  Speaker 4: So it's very.
• 9:52
  Speaker 2: Pressure to put on ourselves. How is that fair for us,
• 9:56
  Speaker 2: as you know, millennials, to go, you know what, I
• 9:58
  Speaker 2: really want to purchase property and then you look at
• 10:00
  Speaker 2: the stats and it's going up eight hundred dollars a day.
• 10:02
  Speaker 2: Some people can't even save that in a month. How
• 10:05
  Speaker 2: were we even going to make that achievable.
• 10:06
  Speaker 4: And the place we went to not only would we
• 10:09
  Speaker 4: be nowhere near being able to afford what it eventually
• 10:11
  Speaker 4: went for, it was a real doer opera. Oh no,
• 10:16
  Speaker 4: so it's like I can't even afford a place that
• 10:18
  Speaker 4: needs work. Yeah, And I feel like a lot of
• 10:22
  Speaker 4: people listening now will be nodding and being like here mate.
• 10:25
  Speaker 3: But I mean, if anybody listening does need help with
• 10:29
  Speaker 3: the property buying.
• 10:30
  Speaker 4: Process, there's a podcast.
• 10:33
  Speaker 2: I wish there was a podcast, Ryan, We should do one.
• 10:36
  Speaker 3: Bounce your Little Bunny Tails trade over to the Property Playbook,
• 10:39
  Speaker 3: new episodes every Tuesday, and Victoria and Amullnardi and myself
• 10:44
  Speaker 3: are talking about.
• 10:45
  Speaker 2: How to actually get into the from go to woe
• 10:48
  Speaker 2: A to V I thought that was so sassy. Just
• 10:51
  Speaker 2: so you guys know, Tony came up with that tagline.
• 10:54
  Speaker 2: And I'm very proud of UQ speaking are very proud.
• 10:57
  Speaker 2: Do you know what we were about to dogs money Wins.
• 11:02
  Speaker 4: Is this where we're proud of the community or you
• 11:04
  Speaker 4: might say you're proud of me just as a guy.
• 11:06
  Speaker 2: Oh no, we're not proud of you as a guy.
• 11:07
  Speaker 2: We are proud of the community and that's why we
• 11:09
  Speaker 2: do the Money wins and confessions from Ryan each week.
• 11:11
  Speaker 4: All right. Christy said that she has been looking for
• 11:14
  Speaker 4: wedding shoes for ages, and as you guys know, as
• 11:16
  Speaker 4: soon as you start looking for stuff online, the ads
• 11:18
  Speaker 4: start coming on Facebook and stuff. So she's seen these
• 11:21
  Speaker 4: ones worth six hundred bucks and she like, that's so
• 11:24
  Speaker 4: much money. Yeah, and she's like, they just keep popping
• 11:26
  Speaker 4: up as ads. I can't get them out of my head.
• 11:28
  Speaker 4: I love these shoes. Finally they come up for four
• 11:32
  Speaker 4: fifty they're on sale, and she buys them and goes, yes,
• 11:35
  Speaker 4: I've saved one hundred and fifty dollars. I've just been
• 11:37
  Speaker 4: thinking about these shoes. She gets them, she puts them on,
• 11:40
  Speaker 4: she's like, they're great, but you know what, I just
• 11:43
  Speaker 4: don't know even at four fifty, if they're the ones
• 11:46
  Speaker 4: for me.
• 11:46
  Speaker 3: Yeah, okay, all right, So then able to preturn them.
• 11:49
  Speaker 4: Yep. She stumbles across these other ones that she's like,
• 11:52
  Speaker 4: I just fell in love with these other ones. How
• 11:54
  Speaker 4: much are they? One hundred dollars? Yeah? Zero, got the
• 11:58
  Speaker 4: four hundred and fifty back has the shoes of her
• 12:00
  Speaker 4: dream for a big day. Christy all the best for
• 12:02
  Speaker 4: the wedding.
• 12:05
  Speaker 3: But I'm glad that she bought the expensive shoes right
• 12:07
  Speaker 3: as a side note, because she probably otherwise if she
• 12:10
  Speaker 3: just bought the one hundred dollars ones, she would have
• 12:12
  Speaker 3: in her mind always been like I should have just
• 12:14
  Speaker 3: bought those shoes.
• 12:15
  Speaker 4: I wonder what I would have looked like in those shoes.
• 12:17
  Speaker 3: But she's done it, and I'm so proud of that.
• 12:20
  Speaker 3: And if you need anyone else at your wedding, we
• 12:22
  Speaker 3: are free.
• 12:22
  Speaker 4: We are free. Oh are we?
• 12:24
  Speaker 3: Yep, all three of us.
• 12:25
  Speaker 2: I'll be there.
• 12:26
  Speaker 4: Rachel said, this might seem like a strange money win,
• 12:29
  Speaker 4: but I'm really proud of myself. She's in Sydney, which
• 12:32
  Speaker 4: is currently in lockdown like a lot of places in Australia,
• 12:34
  Speaker 4: and she said, any other time we might have gone
• 12:37
  Speaker 4: into lockdown, I would have been stressing and that would
• 12:40
  Speaker 4: have really done me in. But for the first time
• 12:42
  Speaker 4: my life, I've got an emergency fund.
• 12:44
  Speaker 3: Oh my heart.
• 12:45
  Speaker 4: And I thought, you know what, this is what an
• 12:47
  Speaker 4: emergency fund is for, for emergency.
• 12:49
  Speaker 2: But that's just it. And I think that if we're
• 12:51
  Speaker 2: going to talk about this, sorry to derail your conversation
• 12:54
  Speaker 2: right now, but that's what your emergency fund is for.
• 12:57
  Speaker 2: Do not feel guilty about having to into that at
• 13:00
  Speaker 2: this point in time, because that's what you've been saving
• 13:03
  Speaker 2: it for.
• 13:04
  Speaker 4: Well, you know how we say don't judge your pastself.
• 13:06
  Speaker 4: She's sort of the opposite. She's like very proud. She's like,
• 13:09
  Speaker 4: I've saved this thing. This is why I've done it,
• 13:11
  Speaker 4: and now I get to reap the benefits of the sacrifice.
• 13:14
  Speaker 4: So good on you. Rachel Carnie said that she bought
• 13:17
  Speaker 4: a house twelve months ago. Now this is the opposite
• 13:19
  Speaker 4: of my woes from earlier. She said, they had to
• 13:21
  Speaker 4: get it revalued for a bank thing they might have
• 13:23
  Speaker 4: been refinancing. It's now worth one hundred and forty thousand
• 13:26
  Speaker 4: more than she bought in just twelve months. Oh wow, that's.
• 13:31
  Speaker 2: Like more than someone's full time salary that she's just
• 13:34
  Speaker 2: found in equity in her property. Like, imagine being able
• 13:37
  Speaker 2: to save that much in twelve months. I'm just shook
• 13:39
  Speaker 2: when I hear stuff like that.
• 13:41
  Speaker 4: All right, Larissa said she called the Department a Transport
• 13:44
  Speaker 4: to check something with her car regi and actually worked
• 13:46
  Speaker 4: out that she had ticked like a business car like
• 13:49
  Speaker 4: for a van or whatever, which I think the regio
• 13:51
  Speaker 4: is a little bit high expensive. But it turns out
• 13:54
  Speaker 4: her car was not the category she originally ticked, and
• 13:57
  Speaker 4: they said, oh, you've actually been paying too much. Here's
• 13:59
  Speaker 4: a refund and a credit towards your next regio payment.
• 14:03
  Speaker 3: That is such a money yeah, because it's REGI not
• 14:07
  Speaker 3: the worst, most annoying to get. You get a power
• 14:09
  Speaker 3: bill and you're like, yeap, okay, fair enough, water bill,
• 14:12
  Speaker 3: gas whatever, But that regio, that stinky little regio. Every
• 14:16
  Speaker 3: time it turns up, you go. Hasn't really been three months.
• 14:19
  Speaker 2: It's actually so frustrating. I feel like that about my
• 14:22
  Speaker 2: car insurance because I've been trying to time it right
• 14:25
  Speaker 2: and this is it's not a money loss and it's
• 14:27
  Speaker 2: not a money win. So I didn't save this one,
• 14:30
  Speaker 2: but I time it for just pre financial years so
• 14:34
  Speaker 2: that I can claim it in that taxi because like
• 14:36
  Speaker 2: of course Victoria Devine has thought about it.
• 14:39
  Speaker 4: So what it sticked over a few days ago?
• 14:40
  Speaker 2: Then yeah, yeah, so I had this due earlier this month,
• 14:43
  Speaker 2: So like mid June, I start getting my regro, AT
• 14:46
  Speaker 2: start getting my insurance, I get my income protection insurance,
• 14:48
  Speaker 2: I get literally everything so that I can pay it then.
• 14:52
  Speaker 2: But then once June thirty comes and goes. I can
• 14:54
  Speaker 2: then claim it on tax immediately because obviously I'm a
• 14:57
  Speaker 2: genius she is on the Yeah wow. But if I
• 15:02
  Speaker 2: wasn't saving all year for that, I definitely one couldn't
• 15:06
  Speaker 2: do that. Yeah, true, because.
• 15:07
  Speaker 3: That's a take you outlay at one time.
• 15:09
  Speaker 4: Yeah.
• 15:10
  Speaker 2: I can't tell you how frustrating it is, regardless of
• 15:13
  Speaker 2: the fact that one I've saved for it. Yes, it's
• 15:15
  Speaker 2: a normal bill, and any other time I'd be like, great,
• 15:17
  Speaker 2: like just pay the bills, Like I've got the money
• 15:19
  Speaker 2: in my cash hub because I've done my budget and
• 15:21
  Speaker 2: I know what it's there. But oh my gosh, going
• 15:23
  Speaker 2: into my cashub that many times this month to pay
• 15:25
  Speaker 2: the things that I'd already committed to and definitely had
• 15:28
  Speaker 2: to pay that it just feels audacious.
• 15:30
  Speaker 3: Yeah, it's rude.
• 15:31
  Speaker 2: It's it's not a money loss, it's not a money win.
• 15:34
  Speaker 2: It's just me being frustrated with my money that.
• 15:36
  Speaker 3: You have to spend the money on the things that
• 15:38
  Speaker 3: you use.
• 15:39
  Speaker 2: What what do you mean I've been saving to pay
• 15:42
  Speaker 2: my regio and now it's due, Like.
• 15:44
  Speaker 4: Oh yeah, Paul, let now We've had this money win
• 15:49
  Speaker 4: multiple times before. But it's just another great example from
• 15:53
  Speaker 4: no people who use those price lock apps with the
• 15:57
  Speaker 4: petrol oh, because.
• 15:58
  Speaker 3: Like seven to eleven have one where you say you
• 16:00
  Speaker 3: hit bang then it.
• 16:01
  Speaker 4: Just like priss yep. So she's used the seven eleven app.
• 16:05
  Speaker 3: She think Miss just Griachi is a big fan of
• 16:09
  Speaker 3: fuel app.
• 16:10
  Speaker 4: Yeah, so I didn't realize this fuel price has got
• 16:12
  Speaker 4: to a dollar seventy five, Elita.
• 16:14
  Speaker 2: I saw that and it hit me in the heart.
• 16:17
  Speaker 4: Yeah, so Paultte locked it in at a dollar twenty right,
• 16:22
  Speaker 4: say what fifty cents per liter saving.
• 16:25
  Speaker 2: She's a genius.
• 16:26
  Speaker 4: Well done.
• 16:27
  Speaker 2: I bet the guy at the servo or the girl
• 16:29
  Speaker 2: at the servo was just really impressed with her as well. Look,
• 16:32
  Speaker 2: they thought they were getting this like one seven year
• 16:34
  Speaker 2: leader and then she's like, check out my phone, you've
• 16:36
  Speaker 2: got her on on this.
• 16:37
  Speaker 3: Did you know that they don't make commission on the
• 16:38
  Speaker 3: fuel The counter doesn't own seven eleven that forty cents later?
• 16:45
  Speaker 4: Really know how often canceled university you're not getting out to.
• 16:49
  Speaker 2: Can you know when you go into the servo and
• 16:51
  Speaker 2: they're like, oh, have you got any discounts? In ninety
• 16:52
  Speaker 2: percent of the time, Myers has not remembered.
• 16:56
  Speaker 3: I never have anything.
• 16:57
  Speaker 2: I never have it. I'm like, no, I'm like, imagine
• 16:59
  Speaker 2: not only walking in and being like, oh, by the way,
• 17:01
  Speaker 2: yeah I do. It's fifty cents a leader, and he's
• 17:05
  Speaker 2: asking for that boor sense of leader that means nothing,
• 17:07
  Speaker 2: to pull out.
• 17:09
  Speaker 3: Nothing.
• 17:10
  Speaker 4: Now, I don't want to finish on it. I wouldn't
• 17:11
  Speaker 4: say a downer because this is definitely not a down up,
• 17:14
  Speaker 4: but I reckon. We might get a tear from Victoria divine.
• 17:17
  Speaker 2: No, don't do this, you reckon? Are you being genuine?
• 17:22
  Speaker 4: Yeah?
• 17:22
  Speaker 2: No, don't make me cry.
• 17:24
  Speaker 4: Jasmine.
• 17:25
  Speaker 3: Okay, hi, Jasmine.
• 17:26
  Speaker 4: I was homeless when I was sixteen, says Jasmine. I
• 17:30
  Speaker 4: became a single mum in my early twenties, which is
• 17:32
  Speaker 4: really hard work. Having listened to she's on the money,
• 17:35
  Speaker 4: I'm proud to say that I've just built a family
• 17:38
  Speaker 4: home and I am thankful for this life. I could
• 17:41
  Speaker 4: have never imagined.
• 17:45
  Speaker 2: What one Jasmine, Jasmine, I'm not crying. I'm not crying.
• 17:49
  Speaker 2: I'm close.
• 17:50
  Speaker 4: She built a house, She built a house, her own
• 17:53
  Speaker 4: house that she owns Oh.
• 17:55
  Speaker 2: You know what, I love that, But like that's not us, babe,
• 18:02
  Speaker 2: that's you. Like, that's not us. We didn't do that yeah,
• 18:06
  Speaker 2: we might have the tools and resources. And I say
• 18:08
  Speaker 2: this all the time, and it's not me trying to
• 18:09
  Speaker 2: shift credit or say you know, we definitely didn't do that.
• 18:12
  Speaker 2: Like I have the tools and resources, yes, and I've
• 18:16
  Speaker 2: tried to make them as accessible as possible. But there
• 18:19
  Speaker 2: are so many people out there that have been introduced
• 18:21
  Speaker 2: to she is on the money and the tools and
• 18:23
  Speaker 2: resources we you have, and they're not ready to have them.
• 18:25
  Speaker 2: They're not ready to take that on. They are not
• 18:27
  Speaker 2: ready to make any change. You have to be in
• 18:29
  Speaker 2: that mindset to make change, to put yourself in a
• 18:32
  Speaker 2: better position. I can't do that for you. That's the
• 18:35
  Speaker 2: one thing that is going to make sustainable and long
• 18:38
  Speaker 2: term change for you, and that, unfortunately, is the one
• 18:41
  Speaker 2: thing I can't do. Yeah you did that, I didn't
• 18:43
  Speaker 2: do that. I might have given you the budget, I
• 18:45
  Speaker 2: might have helped you the podcast, might have been something
• 18:47
  Speaker 2: that inspired you. I love that and I'm so proud
• 18:50
  Speaker 2: of that. But like, I don't want people to think
• 18:52
  Speaker 2: it's not them, like she did that.
• 18:54
  Speaker 3: Because you're the one that every month put that extra
• 18:56
  Speaker 3: money aside. I did it, and you know, went without
• 18:59
  Speaker 3: getting nails done or doing something that for you because
• 19:02
  Speaker 3: you knew that you were working towards something bigger. And
• 19:04
  Speaker 3: that's so special.
• 19:05
  Speaker 2: That is so special. I'm so proud of her. All right, Tony,
• 19:18
  Speaker 2: let's jump straight back into the pod. What have you
• 19:21
  Speaker 2: got to share with the community this week? Anything interesting,
• 19:23
  Speaker 2: anything fun? Exciting?
• 19:25
  Speaker 4: Okay?
• 19:26
  Speaker 3: So I came across this post and I wanted to
• 19:29
  Speaker 3: get your guys opinion. It's a short and simple one.
• 19:32
  Speaker 3: Would you rather live somewhere you love and have limited
• 19:35
  Speaker 3: money due to the cost of living or live somewhere
• 19:39
  Speaker 3: you hate and be well off financially. So right now,
• 19:44
  Speaker 3: I'll just say this. It currently has one hundred and
• 19:47
  Speaker 3: thirty answers. Oh go and quite surprising. Quite surprising. So
• 19:54
  Speaker 3: I want to ask you guys to.
• 19:55
  Speaker 2: Ask grind first.
• 19:56
  Speaker 4: I don't want to go first, just to so I've
• 19:59
  Speaker 4: got my head across the huh A place that you
• 20:01
  Speaker 4: really really like but you don't have a lot of money.
• 20:03
  Speaker 2: We're talking about like the home you have or are
• 20:06
  Speaker 2: we talking like the location? Like you don't like living
• 20:09
  Speaker 2: in Melbourne?
• 20:09
  Speaker 3: So it says would you rather live somewhere you love
• 20:12
  Speaker 3: and have limited money due to the cost of living?
• 20:14
  Speaker 3: So I'm guessing yeah, like location for hypothetical.
• 20:19
  Speaker 4: Should we just say like Paris or New York or something.
• 20:21
  Speaker 3: It's the city so you can't earn as much money
• 20:24
  Speaker 3: for the job that you are able to do. Or
• 20:28
  Speaker 3: would you rather live somewhere you hate, like Balla or
• 20:33
  Speaker 3: like say you live in the middle of Australia and
• 20:35
  Speaker 3: it's really really hot and you're just not someone that
• 20:38
  Speaker 3: likes really really hot, you know, Like that's kind of
• 20:40
  Speaker 3: where my mind goes.
• 20:41
  Speaker 2: But you're but making bank, but you're well.
• 20:43
  Speaker 3: Off financially because your rent's not as expensive.
• 20:46
  Speaker 2: People do that, right, Like you guys have worked in
• 20:49
  Speaker 2: Wa so you know that lots of people work in
• 20:52
  Speaker 2: mining over there, and I would say that they don't
• 20:54
  Speaker 2: love working five fo but the life that affords them
• 20:57
  Speaker 2: and their families is worth it for them, right them,
• 21:00
  Speaker 2: they're making the decision to you know what, I don't
• 21:02
  Speaker 2: love where I have to live.
• 21:04
  Speaker 4: And when they fly home though they live in the yeah,
• 21:06
  Speaker 4: yeah no.
• 21:07
  Speaker 2: But that's that's another example of like they don't adore
• 21:10
  Speaker 2: their jobs because they're like five folks like two weeks on,
• 21:12
  Speaker 2: two weeks off or whatever. Like there's lots of different
• 21:14
  Speaker 2: iteration and you read.
• 21:15
  Speaker 3: So much online about how difficult that lifestyle is. Yeah,
• 21:19
  Speaker 3: husbands or wives that are flying out and the husbands
• 21:22
  Speaker 3: or wives that are at home with the kids or whatever,
• 21:24
  Speaker 3: and how difficult that.
• 21:26
  Speaker 4: Yeah.
• 21:27
  Speaker 3: Sure, you know you hear it and you think, oh,
• 21:28
  Speaker 3: that's so much money and it's great, but yeah, that
• 21:30
  Speaker 3: would be so difficult. I know that I could not
• 21:32
  Speaker 3: do that, So my hat is off to anybody that
• 21:35
  Speaker 3: does that.
• 21:36
  Speaker 4: So I associate locations, and like I said, for the example,
• 21:40
  Speaker 4: let's say it's like a Paris on New York or something.
• 21:43
  Speaker 4: I associate locations with great food and going out. And
• 21:47
  Speaker 4: if I went on holidays, I'd be like, where can
• 21:49
  Speaker 4: we go for dinner? And let's go try some local
• 21:52
  Speaker 4: cuisine and.
• 21:53
  Speaker 2: For me to really plan holidays around the food.
• 21:55
  Speaker 4: That yeah, maybe twenty year old Ryan would have been
• 21:59
  Speaker 4: about the past, but now I'm a bit older, I'm like,
• 22:01
  Speaker 4: if there's places to go out and stuff. So for
• 22:03
  Speaker 4: that question, if you live in this town with these
• 22:05
  Speaker 4: beautiful restaurants but you can't afford to eat there, for me,
• 22:08
  Speaker 4: that's the same as maybe not even being there at all.
• 22:11
  Speaker 2: I think my take's a little bit different, but carry on.
• 22:13
  Speaker 4: Well, that's what I said when I associate good location.
• 22:15
  Speaker 4: I associate location with great things to do, and if
• 22:18
  Speaker 4: you can't afford to do the great things, then that
• 22:20
  Speaker 4: sort of almost becomes redundant to it. Like if I
• 22:24
  Speaker 4: lived in Melbourne, which I do now, but like say, you,
• 22:27
  Speaker 4: you know, the stereotype of Melbourne is like cool laneways
• 22:29
  Speaker 4: and great coffees, But it's like, yeah, but you can't
• 22:31
  Speaker 4: drink the coffee because you don't have the cash and
• 22:33
  Speaker 4: you live two hours out of town because the rent's
• 22:36
  Speaker 4: expensive in the city. Then I don't know, if you
• 22:38
  Speaker 4: can't appreciate the good things, maybe it's not worth it.
• 22:40
  Speaker 4: But having said that, the opposite is true. If you're
• 22:43
  Speaker 4: in the middle of nowhere and you've got this money
• 22:44
  Speaker 4: to go out and there's nowhere to go out to, yeah,
• 22:46
  Speaker 4: then it just sits in the bank and does nothing.
• 22:49
  Speaker 3: You go, Victoria. I'd love, I actually love to hear
• 22:52
  Speaker 3: your take on this.
• 22:54
  Speaker 2: I feel like this is personal preference and it's definitely
• 22:56
  Speaker 2: just personal opinion. But I think I'd really struggle being
• 22:59
  Speaker 2: put in position where I didn't love where I lived,
• 23:02
  Speaker 2: so where I live really nourishes me.
• 23:05
  Speaker 3: I am the same like.
• 23:06
  Speaker 2: I need to live somewhere that I feel really comfortable,
• 23:09
  Speaker 2: and to be honest, I would be very happy to
• 23:11
  Speaker 2: take a significant paycut if that meant that I had
• 23:14
  Speaker 2: to make a similar decision when I was in UNI.
• 23:16
  Speaker 2: And this is absolutely not comparable. And it's like, I guess,
• 23:19
  Speaker 2: low level entitled, But I could have stayed living with
• 23:22
  Speaker 2: my parents and had a higher income and definitely been
• 23:25
  Speaker 2: able to afford a whole heap more during UNI if
• 23:29
  Speaker 2: I'd stayed living there. But my parents lived more than
• 23:31
  Speaker 2: an hour and a half away from UNI, and so
• 23:33
  Speaker 2: I decided to move, even though that would have financially
• 23:36
  Speaker 2: stunted me, and I definitely couldn't live the life that
• 23:38
  Speaker 2: I could have if I'd stayed living at home, But
• 23:41
  Speaker 2: for me, location was really important.
• 23:44
  Speaker 4: See.
• 23:44
  Speaker 3: I actually think that's the perfect example.
• 23:47
  Speaker 2: I don't know, did I do a good job.
• 23:48
  Speaker 3: Yeah, So I actually think that it's probably more based on, yeah,
• 23:53
  Speaker 3: like being close to where you are or close to
• 23:55
  Speaker 3: friends or that kind of thing, and say, you're doing
• 23:59
  Speaker 3: the exact same job that you're doing now. But like,
• 24:02
  Speaker 3: and another post that I saw the other day, and
• 24:04
  Speaker 3: it was someone saying, oh, I really want to start
• 24:06
  Speaker 3: earning more money. I'm a real estate agent. I live.
• 24:08
  Speaker 3: It was like Newcastle or the Central Coast or something,
• 24:11
  Speaker 3: and she was saying, I want to earn a bit
• 24:13
  Speaker 3: more money. Do you think I have to go to
• 24:15
  Speaker 3: the city for that, Like, because if I moved to Sydney,
• 24:18
  Speaker 3: our rent doubles or all of our costs double. But
• 24:22
  Speaker 3: you know I'm going to be making more money, but
• 24:23
  Speaker 3: our rent's that much more expensive.
• 24:25
  Speaker 4: And well, I've moved before and got a significant pay rise,
• 24:29
  Speaker 4: but by the time the rent goes up and then
• 24:31
  Speaker 4: you go, oh, I'm earning so much more, but I'm
• 24:33
  Speaker 4: actually not earning anymore.
• 24:36
  Speaker 3: Creek exactly right.
• 24:37
  Speaker 4: But it wasn't even lifestyle creep because the lifestyle was
• 24:39
  Speaker 4: the same. It was just the cost actually.
• 24:42
  Speaker 2: And lifestyle creep can impact us in a whole heap
• 24:45
  Speaker 2: of different ways. Right, It might not just be you
• 24:47
  Speaker 2: creeping up your expenses, but your expenses by virtue have increased.
• 24:51
  Speaker 2: So for me, I think, you know, back to what
• 24:54
  Speaker 2: you were saying about restaurants and.
• 24:55
  Speaker 4: Stuff, like, maybe I went to heavy on the location in.
• 24:58
  Speaker 2: Terms of no, I think it's important because you love that.
• 25:01
  Speaker 2: But for me, like I remember being in the city
• 25:05
  Speaker 2: for UNI and like literally having not much money.
• 25:08
  Speaker 3: But living your life living my last life.
• 25:10
  Speaker 2: You like my girlfriends and I would have drinks at
• 25:12
  Speaker 2: our place before we went out because we definitely couldn't
• 25:15
  Speaker 2: afford them at the restaurant. And then I remember we
• 25:17
  Speaker 2: went to this check coming hot, were out a good time.
• 25:25
  Speaker 2: But like then, everybody in Melbourne knows you go Byo Dumplings,
• 25:30
  Speaker 2: you go to the cheap dumplings places in the city,
• 25:32
  Speaker 2: you have a really good time. You're spending like eleven
• 25:35
  Speaker 2: dollars each or something on a plate of dumplings. You
• 25:37
  Speaker 2: got to b Yo Passion Pub and you had a
• 25:40
  Speaker 2: really good time. So for me, the experiences that I
• 25:42
  Speaker 2: created weren't dependent on how great the restaurant was, but
• 25:45
  Speaker 2: more who I was surrounded with than the experiences I
• 25:48
  Speaker 2: could have. And I just knew that I wouldn't be
• 25:50
  Speaker 2: as happy if I lived at home. Like for me,
• 25:53
  Speaker 2: my mental health needs to come first, and I don't
• 25:56
  Speaker 2: think and I'm a homebody as well, I don't think
• 25:58
  Speaker 2: it would be depending on fine dining and being able
• 26:01
  Speaker 2: to eat out and enjoy it.
• 26:02
  Speaker 4: Like, I don't know what was the consensus of the.
• 26:04
  Speaker 2: Group, what did everybody else stay.
• 26:06
  Speaker 3: So lots of people are saying I've actually done both.
• 26:10
  Speaker 3: And there was people that said, I'm living where I
• 26:13
  Speaker 3: hate to like can afford where I love and things
• 26:16
  Speaker 3: like that, but most people said the location that you
• 26:19
  Speaker 3: love and to kind of live on, you know, a
• 26:23
  Speaker 3: bit of a leaner budget, I'm guessing, would be the
• 26:25
  Speaker 3: sacrifice that most people would make. And I have to agree,
• 26:28
  Speaker 3: I just the same thing that you said, Victoria. I
• 26:31
  Speaker 3: just am so nourished by my location. And if I'm
• 26:35
  Speaker 3: not living in a place where I feel like I
• 26:37
  Speaker 3: can relax or feel happy, or I'm not near my mates.
• 26:40
  Speaker 3: You know, my boyfriend Torbes and I live right around
• 26:43
  Speaker 3: the corner from Ruyn and Bridget you know, our friends
• 26:44
  Speaker 3: of ours just move back to New Zealand, but they
• 26:46
  Speaker 3: lived just around the corner from us before that, and
• 26:49
  Speaker 3: I loved it because you know, you're just around them,
• 26:52
  Speaker 3: you can pop in. But it's interesting because people were like, actually,
• 26:55
  Speaker 3: it's a it's a really important question, I think now
• 26:58
  Speaker 3: that the narrative is changing around and taking care of
• 27:01
  Speaker 3: your mental health, and I just thought it was a
• 27:04
  Speaker 3: really great question to pose to you guys, because obviously
• 27:08
  Speaker 3: we're like all about being financially savvy and that kind
• 27:11
  Speaker 3: of thing, but actually if what you need to do
• 27:14
  Speaker 3: for you isn't maybe the best long term financial choice.
• 27:18
  Speaker 2: I think that's really important to note as well. And
• 27:21
  Speaker 2: you guys know that I purchased a property in late
• 27:24
  Speaker 2: twenty twenty, so that was all very exciting and a
• 27:27
  Speaker 2: goal that we've been working towards for a really long time.
• 27:30
  Speaker 2: That as part of that, you know, I was having
• 27:33
  Speaker 2: good conversations with my partner about what we could afford,
• 27:36
  Speaker 2: and we absolutely could afford something bigger and better and
• 27:39
  Speaker 2: newer and everything further out, but that's not what we wanted.
• 27:44
  Speaker 2: We knew that our lifestyle would change. We knew the
• 27:47
  Speaker 2: house we were going to purchase was definitely not going
• 27:49
  Speaker 2: to be as big.
• 27:49
  Speaker 4: We knew we'd have to have a red splash back if.
• 27:51
  Speaker 2: This is where we yeah, right, And it's kind of
• 27:53
  Speaker 2: like a running joke in our friends that our kitchen's
• 27:55
  Speaker 2: like super ugly, but I'm so great lack No, I mean,
• 27:59
  Speaker 2: the rest of it's not great. You haven't seen it
• 28:01
  Speaker 2: that close, but seriously, like, I'm so grateful for it,
• 28:04
  Speaker 2: and I adore everything about the house we have because
• 28:06
  Speaker 2: it affords me the lifestyle I want to live, not
• 28:09
  Speaker 2: necessarily the life whereas I've got a couple of girlfriends
• 28:13
  Speaker 2: they've moved far further out so that they can have
• 28:16
  Speaker 2: really big, beautiful homes, and like, I'll never have a
• 28:18
  Speaker 2: home that big because I'll never be able to afford it.
• 28:21
  Speaker 2: And that's okay, and I'm totally fine with that, but
• 28:24
  Speaker 2: that's just me going, Hey, i'd really like to be
• 28:26
  Speaker 2: able to get to work in ten and fifteen minutes.
• 28:28
  Speaker 2: I don't want to spend time in traffic like that
• 28:31
  Speaker 2: would really upset me. And I feel like that weighs
• 28:33
  Speaker 2: really heavily on me because I've done it before and
• 28:35
  Speaker 2: I know that that's not for me, and my partner
• 28:38
  Speaker 2: knows the same.
• 28:39
  Speaker 4: Now that you've put it in that context, I've actually
• 28:41
  Speaker 4: made this decision because we are looking for a crappy
• 28:43
  Speaker 4: house closer to town because she's originally I was wearing
• 28:47
  Speaker 4: out back northern Territory too.
• 28:50
  Speaker 2: I think has changed from like would you prefer and like,
• 28:54
  Speaker 2: this is why that question was so hard to conceptualize,
• 28:56
  Speaker 2: because I thought, Okay, you're saying I can have a
• 28:58
  Speaker 2: super boogie job and live in New but I'll never
• 29:00
  Speaker 2: be able to see my family. Is that where we're
• 29:02
  Speaker 2: going with this? But I think, Yeah, I interpreted in
• 29:07
  Speaker 2: a different way, and it's kind of like, you know,
• 29:09
  Speaker 2: maybe we do want the small inner city apartment because
• 29:12
  Speaker 2: of the lifestyle it affords us, even though that same
• 29:14
  Speaker 2: rent could get us much further out a big home
• 29:17
  Speaker 2: that we could live our best life in. But like,
• 29:20
  Speaker 2: what if you're not a homebody and you go out
• 29:22
  Speaker 2: all the time and you're exactly like Ryan, Like I
• 29:24
  Speaker 2: can't imagine you're not eating out. I swear he eats
• 29:27
  Speaker 2: up most nights.
• 29:28
  Speaker 4: Yeah, just not a great cook.
• 29:29
  Speaker 3: But it's no. But it's also like a choice that
• 29:31
  Speaker 3: you make and that's part of your values, and you
• 29:33
  Speaker 3: build that into your budget because that's something that you
• 29:36
  Speaker 3: love to do.
• 29:36
  Speaker 4: On the record that I don't go out that much,
• 29:38
  Speaker 4: like a few times a week.
• 29:41
  Speaker 2: Out during the week. Did he eat out for dinner
• 29:43
  Speaker 2: on Monday night? Did he eat out for dinner on
• 29:46
  Speaker 2: Tuesday night?
• 29:47
  Speaker 3: Yeah? You did? I think you went to Baby Pizza
• 29:49
  Speaker 3: on Tuesday night?
• 29:49
  Speaker 2: Yeah, okay, I'll just stop there.
• 29:51
  Speaker 3: Yeah that's enough.
• 29:53
  Speaker 4: Are wear very cheap T shirts to pay for nights pizza?
• 29:58
  Speaker 2: But I like that, and I think that that's what
• 30:00
  Speaker 2: this podcast in this community is about. Like I love that.
• 30:03
  Speaker 3: You do that because you know that it's what you.
• 30:06
  Speaker 2: Want to do, but other people don't, and that's cool,
• 30:09
  Speaker 2: and we get to learn from you. And then Tony's
• 30:11
  Speaker 2: values are different, and then my values are different. And
• 30:14
  Speaker 2: you know, I think that that's what makes this community
• 30:16
  Speaker 2: so bright and vibrant. It's we kind of don't mind
• 30:19
  Speaker 2: what you do as long as you're happy. But throughout
• 30:22
  Speaker 2: the duration of this podcast, we've learned a lot about
• 30:25
  Speaker 2: other people's values and what they do. And I think
• 30:27
  Speaker 2: a good example of this is the Fire movement. So
• 30:30
  Speaker 2: the financial independence retire early and they say, like eighty
• 30:34
  Speaker 2: percent of their incomes insane. I could never so disappointment,
• 30:37
  Speaker 2: whereas there.
• 30:38
  Speaker 4: Are some annoyingly impressive Yeah, and there are.
• 30:40
  Speaker 2: Some great people in our community who do and are great,
• 30:43
  Speaker 2: and they're going to be retiring before forty and it's
• 30:46
  Speaker 2: it's just so impressive. I know that's not going to
• 30:49
  Speaker 2: work for me because I really do value my lifestyle
• 30:51
  Speaker 2: and do value the things that make get happy and
• 30:53
  Speaker 2: nourish me and my partner. And yeah, like, I'm not
• 30:56
  Speaker 2: going to change that, even though they go, yeah, but Victoria,
• 30:59
  Speaker 2: you could tire at forty I go, great, that's not
• 31:02
  Speaker 2: worth it to me.
• 31:02
  Speaker 4: If people have seen the house to a YouTube video
• 31:05
  Speaker 4: that Victoria and I did at Victoria's house, what room
• 31:08
  Speaker 4: was the most commented on, which would also stop you
• 31:11
  Speaker 4: retiring early? The shoes room.
• 31:14
  Speaker 2: Oh let's cut this fit out? No, but like, I
• 31:19
  Speaker 2: do really like shoes. But that's my value. And because
• 31:23
  Speaker 2: I respect you, guys respect me.
• 31:26
  Speaker 4: Oh I did, They're all like, well, victoria'said, that's my.
• 31:29
  Speaker 2: Seriously like, and I think that that's really important as well.
• 31:31
  Speaker 2: And I'll always be really open and honest about things
• 31:34
  Speaker 2: and share with you the things that I love because
• 31:36
  Speaker 2: I'm not some robot who's like, Okay, well, you know
• 31:39
  Speaker 2: you need to cut back on coffees, Tony because you
• 31:42
  Speaker 2: could save an extra twelve hundred dollars a year. And
• 31:44
  Speaker 2: do you know what twelve hundred dollars is going to
• 31:45
  Speaker 2: be worth when you're sixty five? Like cool? Let me
• 31:48
  Speaker 2: know that if I saved more, that's what that meant.
• 31:51
  Speaker 2: And you know, one of the things that we've used
• 31:53
  Speaker 2: as an example on this podcast before is if you
• 31:56
  Speaker 2: saved twenty seven dollars fifty a day, ten thousand dollars
• 32:00
  Speaker 2: in a year, like that's really impressive. But I want
• 32:02
  Speaker 2: to arm you with those tools and resources so that
• 32:05
  Speaker 2: then you can apply that to your situation, not so
• 32:08
  Speaker 2: I can say, okay, cool.
• 32:09
  Speaker 3: Don't drink coffee anymore.
• 32:10
  Speaker 2: Don'tdrin coffee anymore. And also, your grocery budget should only
• 32:13
  Speaker 2: be X and Y and don't spend on this, but
• 32:15
  Speaker 2: do spend on that?
• 32:16
  Speaker 3: And how many times have you ordered ob rates? Cut
• 32:18
  Speaker 3: that out? Yeah, you love getting oberts, do it, but
• 32:21
  Speaker 3: just think about it and put it into your budget.
• 32:23
  Speaker 2: Is it a light like this goes back to my
• 32:26
  Speaker 2: number one thing that I've said since the start of
• 32:29
  Speaker 2: this podcast. Is it aligned to your values?
• 32:31
  Speaker 3: Exactly?
• 32:32
  Speaker 2: Cool? Is it great? Yes, fantastic. I'm not going to
• 32:35
  Speaker 2: question you any further. If your honor, thank you.
• 32:37
  Speaker 4: Victoria has rested her case, I.
• 32:39
  Speaker 2: Rest my case.
• 32:41
  Speaker 3: Well, then I want to go into our wins and
• 32:43
  Speaker 3: go why do.
• 32:44
  Speaker 2: You have to bring it down like that? Sorry, let's
• 32:46
  Speaker 2: start with Ryan because he's been awfully quiet over there.
• 32:49
  Speaker 4: I got too, Mini wins.
• 32:50
  Speaker 2: Mini wins, Oh my gosh, can we start doing that?
• 32:53
  Speaker 2: Mini WANs?
• 32:54
  Speaker 4: First of all, on Becoming a God in Central Florida.
• 32:57
  Speaker 4: That's the name of a show on Netflix. O.
• 32:59
  Speaker 3: Yep, you've been banging.
• 33:00
  Speaker 4: It's got Kristen Kirston Dunst Kristen Kurston Dunst, and it's
• 33:03
  Speaker 4: about like a pyramid scheme in an all. It's a
• 33:08
  Speaker 4: dark comedy. It's hilarious, but it's also fascinating to see
• 33:12
  Speaker 4: like kind of the insides of the pyramid schemes back
• 33:14
  Speaker 4: in Florida and the eighties and stuff. Yeah, it's juicy.
• 33:17
  Speaker 2: So there's such a good podcast called The Dream. I
• 33:20
  Speaker 2: don't know if you listened to that as well. Jim
• 33:22
  Speaker 2: Duggan recommended it when he was in the studio.
• 33:24
  Speaker 4: Would a flex that class very reliable and considering a
• 33:28
  Speaker 4: lot of people in the country are lockdown. If you've
• 33:30
  Speaker 4: got time, go and check that because it is actually
• 33:32
  Speaker 4: quite interesting as well as hilarious.
• 33:33
  Speaker 2: Tony and I will watch it, maybe together, maybe independently.
• 33:37
  Speaker 2: We'll report back in next Friday Drinks episode.
• 33:39
  Speaker 4: My other mini win and this is like a really
• 33:42
  Speaker 4: lame adulting kind of win.
• 33:44
  Speaker 3: No, no, I love that.
• 33:45
  Speaker 2: There's no such thing as lame adulting wins.
• 33:48
  Speaker 4: By the way, my wife Rigid and I got three
• 33:50
  Speaker 4: hundred dollars off a washer dryer.
• 33:53
  Speaker 5: We got a washing machine and lame and guess what
• 33:59
  Speaker 5: they threw in for a little thing so you can
• 34:02
  Speaker 5: stack them on top of each other, so it's like
• 34:03
  Speaker 5: a little kit.
• 34:04
  Speaker 4: So it like sits in like lego, like it clips
• 34:06
  Speaker 4: into it.
• 34:07
  Speaker 3: You don't have to mount them or anything. They're literally
• 34:09
  Speaker 3: just like in there together.
• 34:10
  Speaker 4: Yeah, and they sit on and the thing pulls out
• 34:13
  Speaker 4: and you can use it as a little bench.
• 34:14
  Speaker 3: How sad that we're excited by that.
• 34:16
  Speaker 2: That's actually real cool.
• 34:17
  Speaker 4: Yeah. See if you guys a change a tune. And
• 34:19
  Speaker 4: at first I was like, am I really spending my
• 34:20
  Speaker 4: Saturday going to buy this? And then I got home,
• 34:22
  Speaker 4: I was like, we've got the extra features, We've got
• 34:24
  Speaker 4: this thing. This guy's going to bring it over, have
• 34:26
  Speaker 4: to make room. So I was really excited to get
• 34:28
  Speaker 4: a couple of hundred bucks off. And just as a
• 34:30
  Speaker 4: tip always with that kind of stuff, you just say,
• 34:33
  Speaker 4: oh can you do it for cheaper?
• 34:34
  Speaker 2: Oh yeah, my best price?
• 34:36
  Speaker 4: Yeah, And we probably did that a few times and
• 34:38
  Speaker 4: then they kind of I'll just get on the computer
• 34:40
  Speaker 4: and oh maybe we can chuck fifty off that And
• 34:42
  Speaker 4: I go, oh, can you throw in that extra thing included? Yeah?
• 34:44
  Speaker 4: Oh yeah, I guess.
• 34:45
  Speaker 3: You're a real grown up. When you're I can't do that,
• 34:48
  Speaker 3: I do it.
• 34:49
  Speaker 2: I can't do that, cringing, I can't. It gives me
• 34:52
  Speaker 2: the he be GBI's like, I just I wish I
• 34:54
  Speaker 2: could just be nice just give him the money. Yeah, yeah, yeah,
• 34:58
  Speaker 2: But do you know what my favorite tip there is,
• 35:00
  Speaker 2: if you're in a store making a big purchasing decision,
• 35:03
  Speaker 2: like a washer dryer or whatever it is, google the
• 35:07
  Speaker 2: code of the item. I'm not saying by it from
• 35:10
  Speaker 2: somewhere else, but get the cheapest one and be like, oh, hey,
• 35:13
  Speaker 2: do you price match online?
• 35:15
  Speaker 4: It's this?
• 35:15
  Speaker 2: Well yeah, and then the ninety nine point nine five
• 35:18
  Speaker 2: percent of the time they'll go, yeah, no problems, and
• 35:20
  Speaker 2: they'll give you the cheapest version of it for the
• 35:22
  Speaker 2: cheapest price in.
• 35:23
  Speaker 4: Store was actually a bit more than online. So Bridge
• 35:26
  Speaker 4: got her phone out and said, or online it says this,
• 35:28
  Speaker 4: Oh that's sassy. Yeah, that's some powerplays going on.
• 35:31
  Speaker 2: So I love that.
• 35:32
  Speaker 4: I love that what you got?
• 35:33
  Speaker 2: All right? So it was my mum's birthday last week,
• 35:36
  Speaker 2: having birthday, no happy birthday, Judice, and instead of going
• 35:41
  Speaker 2: so we went out for lunch. But like usually birthdays
• 35:44
  Speaker 2: in our family add up not to like not hectically,
• 35:47
  Speaker 2: but it's one of those things where you know, my
• 35:49
  Speaker 2: sister has a partner, I've got a partner. We're all
• 35:51
  Speaker 2: adults now, so like we're never around at the same time.
• 35:54
  Speaker 2: So we're planning on doing a Sunday lunch, but I
• 35:57
  Speaker 2: was going down the night before to stay at my parents' place.
• 36:00
  Speaker 2: If we go out for dinner or get takeaway, that's
• 36:01
  Speaker 2: going to be so expensive. So I cooked dinner for
• 36:05
  Speaker 2: my parents before we left, and then I took it
• 36:08
  Speaker 2: down to my parents play yeah, and I made this
• 36:11
  Speaker 2: little picnic and we had this like I bought a
• 36:13
  Speaker 2: nice bottle of wine and I like served them dinner
• 36:16
  Speaker 2: that I had already cooked at my house so there
• 36:18
  Speaker 2: was no mess, and you know, we played board games
• 36:20
  Speaker 2: and it was really lame base so grown up, yeah
• 36:22
  Speaker 2: it was, but yeah, but it was really exciting because one,
• 36:29
  Speaker 2: I got to cook something and I love cooking. But two,
• 36:32
  Speaker 2: we didn't have to go out or order takeaway, and
• 36:34
  Speaker 2: I knew exactly what we were getting because I'm a
• 36:36
  Speaker 2: control freak. And it was just so nice to turn
• 36:38
  Speaker 2: up and be like, oh, I've cooked dinner, and like
• 36:40
  Speaker 2: they were super excited about.
• 36:41
  Speaker 3: It too, because it was like a nice surprise. Oh
• 36:44
  Speaker 3: that's a great a great win and a great gift
• 36:46
  Speaker 3: for your mum as well, Like she would have loved that.
• 36:48
  Speaker 2: I think they did. And we played Round Me Club anyway.
• 36:51
  Speaker 2: I like that game. My parents liked that game. I'm
• 36:53
  Speaker 2: really lame, Tony. Can you please save this?
• 36:56
  Speaker 3: Oh I don't know if I can. I've got like
• 36:58
  Speaker 3: a money confession, but life win.
• 37:01
  Speaker 2: So a life win that because I went to my
• 37:03
  Speaker 2: parents place. My mum said, I'm getting heaps of lemons,
• 37:06
  Speaker 2: getting heaps of lemons because she sent heaps home for you.
• 37:08
  Speaker 3: Yeah, that's that's that's my money win this week. Judy's
• 37:11
  Speaker 3: given me a lot of lemons. No, So, my favorite
• 37:15
  Speaker 3: artist in the.
• 37:15
  Speaker 4: World is Lord.
• 37:17
  Speaker 2: It is I love Lord so.
• 37:18
  Speaker 3: Much every year on Spotify, I mean the top two
• 37:21
  Speaker 3: percent of law listeners. Well really, yeah, I love Lord.
• 37:26
  Speaker 2: Can we get Lord on a money diary? Like can
• 37:28
  Speaker 2: we manifest that Jessica Richie's style and try and manifest
• 37:32
  Speaker 2: Lord onto our podcast?
• 37:34
  Speaker 3: I would do anything, put a call out if she said,
• 37:37
  Speaker 3: all right, I'll do it. If Tony gets Lord tattooed
• 37:40
  Speaker 3: on her body, I would do it.
• 37:41
  Speaker 2: Like that is a big.
• 37:43
  Speaker 4: Call is angling? For work to pay for a tattoo. Yeah.
• 37:45
  Speaker 3: Yeah, I really want to get a Lord tattooed. No,
• 37:47
  Speaker 3: she listens to the podcast, Well maybe she does listen
• 37:50
  Speaker 3: to it all listening.
• 37:52
  Speaker 2: Do you know DJ Tiger Lily listens to the podcast.
• 37:54
  Speaker 2: We obviously had her on. You had her on.
• 37:56
  Speaker 3: Cush is an og I know? Which is so cool?
• 37:58
  Speaker 2: People do cool? No, you're not cool. Where the people
• 38:01
  Speaker 2: that listen are cool.
• 38:02
  Speaker 3: Every person that listens is cool.
• 38:04
  Speaker 4: She's had in the same chair you're sitting in town.
• 38:06
  Speaker 3: Hello, she did anyway, So I love Lord. And about
• 38:11
  Speaker 3: two weeks ago, when she announced she was going on tour,
• 38:13
  Speaker 3: I opened all the tabs up on my laptop so
• 38:15
  Speaker 3: that I could try and get tickets. I had three
• 38:19
  Speaker 3: logins to three different pre sales that I was going
• 38:22
  Speaker 3: to try and access, and I got some tickets. So
• 38:25
  Speaker 3: money confession because it was two hundred dollars like two
• 38:28
  Speaker 3: tickets or whatever.
• 38:30
  Speaker 2: But like SLF care confession, I'm not a confession at all.
• 38:33
  Speaker 2: It's l week because you would have had that in
• 38:35
  Speaker 2: your budget.
• 38:35
  Speaker 3: Because I loved it and I was really excited, And
• 38:37
  Speaker 3: as soon as she announced it, I was like, yes,
• 38:39
  Speaker 3: we are going to that and that to my boyfriend
• 38:42
  Speaker 3: and we're going.
• 38:43
  Speaker 2: And low key the whole team's excited about it because
• 38:46
  Speaker 2: we're going to stop hearing about it.
• 38:48
  Speaker 3: Yeah, because now I can stop being like, guys, don't
• 38:50
  Speaker 3: forget to remind me that at ten to ten, I've
• 38:52
  Speaker 3: got to buy the tickets a lord, because it's going
• 38:53
  Speaker 3: to go on.
• 38:54
  Speaker 2: So yeah, that's exactly what's been happening in this week.
• 38:57
  Speaker 2: And with that, I think that that is more than
• 39:00
  Speaker 2: But just before we head off, we'd like to acknowledge
• 39:02
  Speaker 2: and pay respect to Australia's Aboriginal and Torrest Straight islander peoples.
• 39:06
  Speaker 2: They're the traditional custodians at the lands, the waterways and
• 39:09
  Speaker 2: the skies all across Australia. We thank you for sharing
• 39:12
  Speaker 2: and for caring for the land on which we are
• 39:14
  Speaker 2: able to learn. We pay our respects to elders past
• 39:17
  Speaker 2: and present, and we share our friendship and our kindness.
• 39:20
  Speaker 3: The advice shared on She's on the Money is generally
• 39:22
  Speaker 3: nature and does not consider your individual circumstances. She's on
• 39:26
  Speaker 3: the Money exists purely for educational purposes and should not
• 39:29
  Speaker 3: be relied upon to make an investment or financial decision.
• 39:32
  Speaker 3: And we promise Victoria Divine is an authorized representative of
• 39:35
  Speaker 3: Australia Pacific Funds Management Proprietary Limited ABN three four one
• 39:39
  Speaker 3: three two four six three two five seven AFSL three
• 39:43
  Speaker 3: three eight nine one five one.
• 39:44
  Speaker 4: And if you don't like getting your financial information in
• 39:47
  Speaker 4: an audio form, and perhaps like the written form, why
• 39:50
  Speaker 4: wouldn't you buy the book? The highest selling book in
• 39:53
  Speaker 4: Australia over the last few weeks. It's called She's on
• 39:56
  Speaker 4: the Money. It's by Victoria Divine. It's in all good
• 39:58
  Speaker 4: bookstores some of the crap to, or you can buy it.
• 40:01
  Speaker 2: Online, yea, some of the crap ones to. Yeah, yeah,
• 40:06
  Speaker 2: they do, they do. I don't think there's such things
• 40:08
  Speaker 2: as a crap bookstore.
• 40:09
  Speaker 3: Ryan, not if they're selling your book.
• 40:12
  Speaker 2: I'll see you next week, guys,