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Should You Quit A Toxic Job Without a Backup Plan? And What To Do If You Can’t Get Insurance · She's On The Money

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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations
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Speaker 1: woman and I'm here to acknowledge country t Glenn Young
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Speaker 1: Ganya Niana, kaka ya Ya bin Ahaka nian Ar gay
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Speaker 1: In Mbina yakarum jar Dominyama, Domagahawakaman, damon Imlan Wumba bang
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Speaker 1: Gadabomba in and now in wakah ghana on yakraum jar Watnadaa. Hello,
0:22
Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
0:26
Speaker 1: We thank I acknowledge and respect the Aberiginal people's land
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Speaker 1: that we're gathering on today. Take pleasure in all the
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Speaker 1: land and respect all that you see. She's on the
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Speaker 1: Money podcast acknowledges culture, country, community and connections, bringing you
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Speaker 1: the tools, knowledge and resources for you to thrive.
0:45
Speaker 2: She's on the Money. She's on the Money.
1:07
Speaker 3: Hello and welcome to She's on the Money, the podcast
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Speaker 3: that makes personal finance fun.
1:12
Speaker 2: Especially on Fridays. It is our favorite day of the
1:16
Speaker 2: week because we.
1:16
Speaker 3: Get our team together and it is our whole like
1:19
Speaker 3: Little Friday's team, and we get to celebrate you the
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Speaker 3: incredible She's on the Money community. Miss Jess Gricci she's here.
1:25
Speaker 3: She's sharing our favorite money wins. Miss Becksayed is back
1:30
Speaker 3: from her gallivanting around Thailand, and we'll be sharing her
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Speaker 3: broke tips and we're going to be helping to answer
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Speaker 3: a money dilemma, which this week is asking what to
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Speaker 3: do when you can't get the insurance you want and
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Speaker 3: something that you lead into our dms about whether you
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Speaker 3: should leave your toxic workplace before you have another job
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Speaker 3: lined up. How have your week's been thus far?
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Speaker 4: Mine's been good, if you can tell. I am coming
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Speaker 4: off the back of being sick, so I am thrilled
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Speaker 4: to be up. But it is quite bad because my
2:00
Speaker 4: boyfriend got sick. First, he got me sick, and I
2:02
Speaker 4: was like, ah, the man flew. And then I got
2:04
Speaker 4: a really nocked for six and he was like, oh
2:07
Speaker 4: the man flew. So yeah, man flu, you get man flu,
2:10
Speaker 4: don't eat. Karma came for me, as did the man flu.
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Speaker 4: But I'm feeling back and better than ever. I'm just
2:15
Speaker 4: a little bit a little croky still, So sorry annoying, No,
2:19
Speaker 4: you sound great.
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Speaker 2: Annoying.
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Speaker 3: In fact, I don't think anyone will be able to
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Speaker 3: tell you just pointed it out because you're probably self
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Speaker 3: conscious absolutely. Yeah, you sound absolutely fine.
2:27
Speaker 2: And missfecs that nice. Yes, she's that. I'm back.
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Speaker 5: I had a gorgeous time. We were seeing Bangkok and
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Speaker 5: I hadn't been there before, so it was just so fun.
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Speaker 5: And I went like I went to Japan last year
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Speaker 5: and I was like, oh, nothing, we top that. But
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Speaker 5: then Bangkok honestly really came close. It's really really fun,
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Speaker 5: great food. There wasn't even a nano second where I
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Speaker 5: was hungry. I just did not stop eating. I didn't
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Speaker 5: let myself be hungry, you know. So I feel like
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Speaker 5: you might notice I'm a little bit chunkier.
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Speaker 2: I did not notice.
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Speaker 3: And I don't think that that's an accurate depiction of
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Speaker 3: how you've come home. I'm glowing and happy and ready
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Speaker 3: to take on the world.
3:03
Speaker 2: They're so nice. Thank if you do.
3:05
Speaker 6: And on that.
3:06
Speaker 2: How is Yuie?
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Speaker 3: Oh honestly been live, love loving my way through October life.
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Speaker 3: I just I'm getting a bit tired.
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Speaker 2: I'm not going to lie.
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Speaker 3: I just feel like we have had a lot on
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Speaker 3: We've been doing a lot, working a lot. It feels
3:19
Speaker 3: like Christmas is creeping up. I mean we've just been
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Speaker 3: recording some Christmas episodes and that feels honestly exciting because
3:27
Speaker 3: like Jess loves Christmas.
3:28
Speaker 2: We're all festive girl is.
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Speaker 3: But you know when you're like, oh, this is just
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Speaker 3: all happening too quick. What do you mean didn't twenty
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Speaker 3: twenty five just start? So I'm feeling a little bit
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Speaker 3: like and this is so silly. I feel like we
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Speaker 3: all go through this, this feeling of have I done
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Speaker 3: everything that I said I wanted to do this year?
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Speaker 3: And then I'm like no, oh my god, like what
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Speaker 3: have I got to finish? Which is so silly, so silly,
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Speaker 3: it's silly. It just feels like the years catching up. Yeah,
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Speaker 3: I totally get it, all right, would you hypothetically like,
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Speaker 3: get this, it's going to shock you.
3:56
Speaker 2: A five star review?
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Speaker 3: Yeah, you didn't see that happen, But Renee Louise ninety
4:02
Speaker 3: four did. She sent us a five star review via
4:05
Speaker 3: Apple and it was entitled Empowered, and I was like, well,
4:09
Speaker 3: this is the one for this week. Hi, she's on
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Speaker 3: the money. I've been listening to your podcast every day
4:15
Speaker 3: now for the past month or two, and it's so
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Speaker 3: good to learn about money that is easy to understand.
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Speaker 3: We have done something similar a few years ago through
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Speaker 3: someone else and we were able to pay for our wedding,
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Speaker 3: pay off our credit card loans and other debts, have
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Speaker 3: savings and it was really good until I had medical
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Speaker 3: issues and had our daughter two and a half years ago.
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Speaker 3: As life goes on, we fell into a little bit
4:35
Speaker 3: of debt again and we've gone back to some bad habits.
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Speaker 3: But after friends telling us about you guys and how
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Speaker 3: simple and easy you make it, I've just joined shares
4:46
Speaker 3: this signed up to your money course and I've been
4:48
Speaker 3: mapping out the next twelve to twenty four months, which
4:51
Speaker 3: is so exciting. I feel motivated and happy to be
4:53
Speaker 3: back on track.
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Speaker 2: Thank you. I really needed this. That's amazing, so cute,
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Speaker 2: that's lovely.
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Speaker 4: It just shows life is in seasons, and you know,
5:04
Speaker 4: sometimes you're going great, sometimes you're going on as well
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Speaker 4: as you want, and it's okay totally.
5:08
Speaker 2: Do you know what else? I thought?
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Speaker 3: And this is like maybe just me being a little
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Speaker 3: bit special, a little bit adhd, a little bit side questy.
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Speaker 3: Her name was renee Louise ninety four, and I was like,
5:18
Speaker 3: that's such a ninety four middle name, Like my sister's
5:20
Speaker 3: middle name is Louise. Every second person I know that
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Speaker 3: was born in nineteen ninety four, has a middle name Louise.
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Speaker 4: Just happens, true, just happens. One of my this is
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Speaker 4: so random. One of my most favorite teachers in primary school.
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Speaker 4: Her name was renee Louise oh renee Louise Cunningham. I
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Speaker 4: think it was her surname, but I think she got
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Speaker 4: married in a changed I can't remember.
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Speaker 2: But she was your favorite.
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Speaker 4: She was literally isn't it so funny how your favorite
5:42
Speaker 4: teacher is like stick? Like I bet if I said
5:44
Speaker 4: to who's your favorite teacher?
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Speaker 2: You guys, I got I remember. Oh yeah, it's mister
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Speaker 2: Simmons from grave Ve. You go, I have a least
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Speaker 2: favorite teacher.
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Speaker 3: His name's Matt Simmons. By the way, I think everybody
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Speaker 3: loved Dimbo. You know those teachers that like just were
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Speaker 3: everybody's favorite teacher.
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Speaker 2: Yeah, I reckon life by who missus derwent.
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Speaker 5: She was really mean to me and my brother, and
6:03
Speaker 5: I don't want to play the card, but I think
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Speaker 5: it's because we're both Indian looking, but we're not Indian.
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Speaker 2: We're Bangladeshi. Actually it was about to say, you're not
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Speaker 2: even Indian, I know.
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Speaker 5: But she's still I think she thought that and she
6:13
Speaker 5: didn't like us, so she was maybe a little bit racist.
6:15
Speaker 5: She's on my hate list, not in being Indian, you know,
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Speaker 5: we were all India at one point, but she just
6:21
Speaker 5: had like a real distaste for this.
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Speaker 2: Like I don't like her either.
6:24
Speaker 3: I feel like there are like two types of people
6:26
Speaker 3: in this world, and I'm type B. I think Jess
6:28
Speaker 3: is also type B. Don't know, I think that you.
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Speaker 2: I don't know.
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Speaker 3: There are those people that would have been like, oh, well,
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Speaker 3: she was actually a really nice teacher. She didn't do
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Speaker 3: anything to me. She was so nice, And then there
6:40
Speaker 3: are type B people where I'm like, we riode at Dawn.
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Speaker 2: Yeah, she was nice to me. She did what to you?
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Speaker 2: That's so nice?
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Speaker 7: Oh my god.
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Speaker 2: So she's on my cancel list as well. Thank you,
6:51
Speaker 2: thank you you waiting thirty years I've been waiting to
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Speaker 2: put her on your list.
7:01
Speaker 3: Let's jump back into the show. No more side quests
7:03
Speaker 3: and it's just greachie. Can you share your favorite money
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Speaker 3: with absolutely?
7:07
Speaker 2: I can.
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Speaker 1: So.
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Speaker 4: Firstly, this week I've got a money win from Ann
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Speaker 4: who said I returned to shampoo to Mecca that was
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Speaker 4: causing me to have an itchy scalp, and.
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Speaker 2: I got a refund.
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Speaker 4: Oh good, Just to remind everyone, Mecha, lets you do that, like,
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Speaker 4: you can test it if it's not for you. I
7:21
Speaker 4: believe there are some t's and z's check the tz's,
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Speaker 4: but you can take things back, which I think is great.
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Speaker 2: But also it's so expensive these days.
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Speaker 3: And if you were like I'm going to buy a
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Speaker 3: shampoo at Mecca, like you're putting some pretty cold hard
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Speaker 3: cash up front. Absolutely, so good on you for standing
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Speaker 3: your values, because I'm not gonna lie. I would feel
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Speaker 3: awkward and put it in the back of my cupboard
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Speaker 3: and forget.
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Speaker 2: I owned it. Absolutely.
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Speaker 4: Next I've got a money in it from Amy, who
7:43
Speaker 4: said she needed to buy all new plants on the
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Speaker 4: weekend as she was re landscaping her front yard. It
7:48
Speaker 4: was going to be around four hundred dollars of plants
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Speaker 4: from Bunnings or the local nursery.
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Speaker 2: But then she found a.
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Speaker 4: Guy a marketplace get a little plant business from his garden,
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Speaker 4: and she bought most of the plants she needed for
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Speaker 4: two hundred and twenty dollars.
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Speaker 2: Also, that's really cute supporting to all business. It's how fun.
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Speaker 4: Next week, money went from Caitlind, who said money Win
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Speaker 4: had a successful no spend week. All I bought was
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Speaker 4: groceries and breakfast out with a friend. Well done, well done.
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Speaker 4: It's hard, you know what.
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Speaker 2: It's small, but it's hard.
8:14
Speaker 4: And then I've got a money win this week from Tracy,
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Speaker 4: who took a leave out of bextbook and said she
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Speaker 4: changed her Netflix from a standard plan to the cheapest.
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Speaker 2: Yes, you're a reminder. Ads are not that bad.
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Speaker 3: I like what we're willing to compromise on, because if
8:25
Speaker 3: I'd asked you that two years ago, you'd be like,
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Speaker 3: absolutely not.
8:28
Speaker 2: You know, you're like, as on that bad. They're pretty nice,
8:30
Speaker 2: you know what.
8:31
Speaker 4: I'm hard up enough that I've taken out here at
8:33
Speaker 4: the absolutely and honestly they don't come up often.
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Speaker 2: Yeah, times are changing that absolutely feto. We'll be watching
8:40
Speaker 2: free to air TV so with a bad time.
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Speaker 4: Next, I've got a money win from Grace, who said
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Speaker 4: her new office building runs free fitness classes. She signed
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Speaker 4: up for her first pilates class on Tuesday morning.
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Speaker 2: Also, sorry, free pilates.
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Speaker 3: I thought you were thinking like it would just be
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Speaker 3: like the Les Mills old school fitness lass, so maybe
8:59
Speaker 3: you weren't that interested in that's school.
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Speaker 4: That's a good office perk. I would say, whoever's office
9:04
Speaker 4: is doing that, absolutely.
9:06
Speaker 2: Signed me up.
9:06
Speaker 4: And then lastly, this week, I've got a money win
9:08
Speaker 4: from Rebecca who said counsel withdrew two parking fines because
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Speaker 4: she received them while their baby was in the nicqueue.
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Speaker 4: Oh god, it is not nice.
9:17
Speaker 2: Good people.
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Speaker 4: Iby is okay, me too, and the saves are around
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Speaker 4: three hundred dollars. So money win for the pocket, hopefully
9:23
Speaker 4: a life win for you guys because a bit of
9:25
Speaker 4: stress gone and hopefully Bubba's doing okay.
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Speaker 2: Yes, well that's a good place to leave it.
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Speaker 3: Yeah, thank you, I love it, Miss Beck say ed, yes,
9:32
Speaker 3: have you come back raging with some good broke tips
9:34
Speaker 3: because I have had to carry this.
9:37
Speaker 2: I don't want you to listen to the episodes, though,
9:40
Speaker 2: so I should. I did my best, and sometimes you
9:43
Speaker 2: know what your best is just not good enough. And
9:45
Speaker 2: that's okay. But I think Beck would tell me it
9:47
Speaker 2: was a good job, even if it was terrible job.
9:49
Speaker 6: Yeah.
9:49
Speaker 5: I haven't listened, but I'm sure you did do a
9:50
Speaker 5: good job. But I will be listening and I will
9:52
Speaker 5: be critiquing.
9:53
Speaker 2: Can we toxically supportive?
9:55
Speaker 3: That's so nice of coll like Beck could come into
9:57
Speaker 3: this office and be like, man, I just hit someone
9:59
Speaker 3: with my and I'd be like, babe, why were they
10:01
Speaker 3: in front of your car?
10:02
Speaker 2: Exactly? But I was on the path, the footpath. Yeah,
10:05
Speaker 2: well why were they? Why were they there? Begs like
10:07
Speaker 2: oh I failed to test, and I'd be like, oh
10:09
Speaker 2: my god, why did they make it so hard?
10:11
Speaker 4: Rude?
10:12
Speaker 2: I really appreciate that, Okay, Jess.
10:15
Speaker 5: I was a bit cheeky this week and I was
10:18
Speaker 5: scrolling through the money wins color, but some of them
10:21
Speaker 5: were really good, and so I just wanted to share that.
10:24
Speaker 5: This first one comes from La, who says she was
10:26
Speaker 5: unwell earlier this year. I do apologies. I hope you're okay.
10:30
Speaker 5: She had to travel to and from Melbourne for treatment
10:32
Speaker 5: quite a number of times. But there is a Victorian
10:35
Speaker 5: Patient Travel Assistance Scheme VPTAS, so just rolls off the
10:39
Speaker 5: tongue which provides some financial assistance for patients who have
10:42
Speaker 5: to travel more than one hundred committers to access treatment.
10:45
Speaker 2: I did not know about this, that's right that and
10:47
Speaker 2: I'm glad that the community does now. Absolutely so.
10:50
Speaker 5: I guess it's really also great for regional people because
10:52
Speaker 5: I'm sure we have to come to and from Melbourne
10:54
Speaker 5: every now and then.
10:55
Speaker 2: And so the processing times are not super quick.
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Speaker 5: But she finally received the money and put us into savings,
11:00
Speaker 5: which I think is great. It's kind of nice when
11:02
Speaker 5: you can afford at the moment you know it's coming back,
11:04
Speaker 5: and then it kind of just comes back when you
11:06
Speaker 5: don't expect it.
11:06
Speaker 2: Yeah, I'm like, oh my god, a bit of free money.
11:09
Speaker 5: So it's the Victorian Patient Travel Assistance Scheme.
11:12
Speaker 2: I love p t as Ye, you're right it does.
11:19
Speaker 5: And this next, but also I do hope you're feeling
11:21
Speaker 5: a lot better now, Ella. And so then I dipped
11:24
Speaker 5: into my own thread, I say, little thread. This one
11:29
Speaker 5: comes from Katie, who says I don't have a Seati
11:31
Speaker 5: mobile or home internet plan. Instead I buy start simpacks
11:34
Speaker 5: at woolorves or calls when they go on sale, usually
11:37
Speaker 5: about nine to thirteen dollars for twenty eight days with
11:40
Speaker 5: unlimited international calling. As I've got family overseas, as long
11:43
Speaker 5: as I trade between providers every month, I can keep
11:46
Speaker 5: the same number. It's a tiny bit cumbersome, but very cheap.
11:50
Speaker 2: That is cheap.
11:51
Speaker 5: That's nine dollars, say, for example, for a month. That's
11:54
Speaker 5: your home and mobile because you just hotspot everything.
11:57
Speaker 3: Yeah, and if you're willing to do the admin, that's
11:59
Speaker 3: actually a really good money we need crazy Sorry, that's
12:03
Speaker 3: so good. Oh do you know what I'm willing to do?
12:06
Speaker 3: The admins sometimes to say unlimited you could run an empire.
12:11
Speaker 5: Seriously, that's actually fantastic. My phone is ninety nine and
12:15
Speaker 5: in today is seventy. So if you get rid of those,
12:19
Speaker 5: Oh my god, that's genie.
12:20
Speaker 2: Ninety nine dollars a month for your phone?
12:21
Speaker 3: Is it like your phone and your phone bill like
12:24
Speaker 3: the handset? Okay, all right, that's all reasonable. What do
12:28
Speaker 3: you pay for your phone every month?
12:29
Speaker 2: Jess? Thirty five dollars? Yes, same Aldi, No, no, Optis.
12:33
Speaker 2: I'm with a voter phone. We do an annual team everyone.
12:37
Speaker 4: If we did it once and then every yes, one goes,
12:39
Speaker 4: hey guy, it's been about a check again.
12:41
Speaker 2: Call your provider.
12:42
Speaker 6: Get on the chat.
12:43
Speaker 2: One day we were all literally, yeah, we were all
12:46
Speaker 2: in the office. We weren't doing work. We were all
12:48
Speaker 2: talking to like Optius chat, like Telstra chat. One of us.
12:52
Speaker 2: I was on the voteraphone chat at that time, and
12:54
Speaker 2: I was like, no, no, no, sorry, my friend is
12:56
Speaker 2: actually talking to OPTAs she just got thirty five dollars.
12:59
Speaker 2: I want thirty five.
13:01
Speaker 3: They're desperate to keep you, yea, as they should be,
13:04
Speaker 3: as they should be, because I'll leave.
13:06
Speaker 2: It's not that deep for me.
13:07
Speaker 3: Loyalty runs very shallow in my Yeah. Yeah, nine dollars
13:12
Speaker 3: is great, that's incredible. My broke tip's quite topical right.
13:19
Speaker 5: Now for me personally, because I just came from an island.
13:21
Speaker 5: So this is for people traveling to Southeast Asia. There
13:24
Speaker 5: is currently a clinical trial happening called Understanding the Causes
13:27
Speaker 5: of Diary in Australia in Australian adult tourists traveling to
13:31
Speaker 5: Southeast Asia, which I think we all have been very
13:36
Speaker 5: curious about.
13:37
Speaker 1: Do you know what?
13:38
Speaker 3: A while ago I went to Bali and I posted
13:41
Speaker 3: on my Instagram that I have never gotten Ballei belly
13:44
Speaker 3: and still have never gotten Balley belly because I believe
13:48
Speaker 3: you have to have one full fat coke every single
13:52
Speaker 3: day because in my head, this is a complete side quest. Again,
13:57
Speaker 3: I do apologize, Beck, I'm feeling very extra DHD spicy today, okay,
14:01
Speaker 3: because in my head, if you put coins into a
14:04
Speaker 3: cup with some coke, it like fully strips them gets
14:08
Speaker 3: rid of all of the rust.
14:11
Speaker 2: I think it does that to my insides, but with
14:12
Speaker 2: the bugs. Not a word of a lie.
14:15
Speaker 4: I went to a doctor once and they said, have
14:17
Speaker 4: you tried having like I am not made I know
14:20
Speaker 4: that sounds made up.
14:21
Speaker 2: It's not made up any I think it was something.
14:24
Speaker 3: So my sister gets migraines and her doctor tells her
14:26
Speaker 3: every single time one can of full fat coke as
14:30
Speaker 3: like a pre empty of Like, you know, it doesn't
14:33
Speaker 3: save her, but it does make things a lot easier.
14:35
Speaker 2: Really, why not coke zero?
14:37
Speaker 3: I think you need the mix of the carbonation, the
14:40
Speaker 3: caffeination and the sugar. Okay, I think it's like, I
14:43
Speaker 3: don't know. I'm not a doctor.
14:44
Speaker 2: I am a hypothesist. I feel like we'rening fake news.
14:50
Speaker 4: To me.
14:51
Speaker 2: Fake news. But you know what did I get? BALI belly?
14:54
Speaker 2: Tell me more about your diarrhea story?
14:56
Speaker 4: True?
14:56
Speaker 5: That's so true, and also a placebo even if it does,
14:59
Speaker 5: this does call plus Potentially it is just as effective.
15:03
Speaker 2: You know, I'm going to start selling jelly beans that
15:05
Speaker 2: help you save money. You never know, No, the brain
15:09
Speaker 2: is powerful.
15:09
Speaker 3: Yeah, if you eat a jelly bean a day, you
15:11
Speaker 3: can actually save like a thousand dollars a month's crazy.
15:14
Speaker 2: Yeah, buy my jelly beans? Yeah yeah yeah, tell us
15:16
Speaker 2: a study.
15:17
Speaker 5: Sorry, tell me about So this is quite topical because
15:21
Speaker 5: I just came back from Thaighland. So this is for
15:23
Speaker 5: people traveling Southeast Asia. There is currently a clinical trial
15:26
Speaker 5: happening called Understanding the Causes of Diary and Australian adult
15:30
Speaker 5: tourists traveling Southeast Asia. You can sign up and you
15:33
Speaker 5: get one hundred fifty dollars. Whether you get diary or not.
15:36
Speaker 5: You do have to give a still sample though, which
15:38
Speaker 5: is uncomfortable. But whether or not you get diarrhea, you
15:43
Speaker 5: will be receiving one hundred fifty dollars if you sign
15:45
Speaker 5: up and get chosen, is the main thing.
15:48
Speaker 2: That's a perfectly good way to make money. Oh no,
15:53
Speaker 2: and she's been sitting time, just like the toilet. If
15:58
Speaker 2: you've got you can soon. I've got a few more
16:03
Speaker 2: than a I'm scared, all right. Well that's the bottom
16:08
Speaker 2: end of this side.
16:09
Speaker 7: So we're gonna go to a really quick break and
16:13
Speaker 7: on the flip side, we're gonna be answering a more
16:15
Speaker 7: vanilla money dilemma, which asks what do you do when
16:18
Speaker 7: you can't get insurance that you want to have.
16:21
Speaker 2: And something that you slid into.
16:23
Speaker 3: Our dms about whether you should leave your toxic workplace
16:27
Speaker 3: before you've solidified another job and lined that up, so
16:30
Speaker 3: guys don't go anywhere.
16:35
Speaker 2: Welcome back, everybody. Let's take a listen to this week's
16:38
Speaker 2: money dilemma.
16:41
Speaker 6: Hi. There, have you got a money dilemma you just
16:43
Speaker 6: can't solve? The Sheese on the Money team is here
16:46
Speaker 6: to help. Every week we tackle your dilemmas, both big
16:49
Speaker 6: and small, to answer your most burning money, career and
16:52
Speaker 6: life questions. To get involved, simply head to our website
16:55
Speaker 6: and leave us a short voice recording and you might
16:57
Speaker 6: just find yourself on the show.
16:59
Speaker 2: Now, let's take a listen to this week's money dilemma.
17:04
Speaker 8: Hi, She's on the Money. I absolutely love the pot
17:06
Speaker 8: on everything with the community, especially for women. My question
17:10
Speaker 8: is about life insurance TPDIP, death cover, etc. Unfortunately, due
17:14
Speaker 8: to a myriad of health conditions, I'm ineligible for life insurance,
17:18
Speaker 8: including through my super Even though I don't expect insurance
17:21
Speaker 8: to cover my pre existing conditions, I understand it's part
17:24
Speaker 8: of the underwriter's job. However, do you have any tips
17:26
Speaker 8: to what I can do to prepare myself otherwise. Obviously
17:29
Speaker 8: having an emergency fund is super important, but it's never
17:31
Speaker 8: going to give me the same protection as life insurance
17:33
Speaker 8: in terms of the actual amount of money. Is this
17:35
Speaker 8: just bad luck? Or is there another way I can
17:37
Speaker 8: future proof myself?
17:38
Speaker 2: Thank you? All right? Just first, cab off the rank.
17:40
Speaker 3: I'm sorry, I don't know if this person has seen
17:43
Speaker 3: a financial advisor or not, but that would be my
17:45
Speaker 3: first port of call. You guys know that I will
17:49
Speaker 3: harp on day and night about sky Wealth. They are
17:51
Speaker 3: literally my financial advisors when it comes to insurance. Jess,
17:55
Speaker 3: I'm pretty sure you're with them. Yeah, I'm pretty sure.
17:57
Speaker 3: Like a producer, like everybody in our team has gone
17:59
Speaker 3: through sky Wealth to do their insurance is just because
18:02
Speaker 3: they do good. They know literally everything about it, and
18:06
Speaker 3: we feel really confident. So I would go and talk
18:08
Speaker 3: to their team, because if you've been declined just by
18:11
Speaker 3: one insurer, you can talk about you know what other
18:15
Speaker 3: insurers could I potentially go with? You know, she might
18:19
Speaker 3: have actually gone and talked to Phil literally one on one,
18:21
Speaker 3: and he said, look, we can't insure you. I just
18:23
Speaker 3: don't know the semantics of this situation, but often you
18:26
Speaker 3: could potentially talk to a different insurer that will either
18:29
Speaker 3: exclude your pre existing conditions or get you to pay
18:33
Speaker 3: a loading on your insurance so you pay more insurance
18:37
Speaker 3: to still solidify it. And I would be having those conversations,
18:40
Speaker 3: so it's not completely ruled out if you aren't able
18:43
Speaker 3: to solidify insurance at all. And there are some people
18:47
Speaker 3: that can't get insurance. So whether it is pre existing
18:50
Speaker 3: conditions or you have certain occupations. Did you know that
18:53
Speaker 3: some pilots can't get life insurance, Oh, because of the
18:56
Speaker 3: risk of there's too much risk. Flight controllers also have
19:00
Speaker 3: a lot of issue with it, even though they're that's
19:03
Speaker 3: what I used to say crazy, but I ended up
19:05
Speaker 3: with a lot of clients who are traffic flight controllers
19:09
Speaker 3: right anyway, So there are a lot of people who
19:11
Speaker 3: might not be able to get it. And at that
19:12
Speaker 3: point you are trying to obviously future proof your finances
19:18
Speaker 3: in a way that you still again she mentioned it
19:21
Speaker 3: like having an emergency fund. That would be the number
19:23
Speaker 3: one thing that I focus on. What other insurances could
19:27
Speaker 3: you get that support you? So, yes, you haven't been
19:29
Speaker 3: able to get the life insurance, but what about total
19:32
Speaker 3: and permanent disability? Or TPD. What about income protection? What
19:36
Speaker 3: about trauma insurance? Do you have any of those accessible?
19:39
Speaker 3: Like what's that going to look like? Also making sure
19:42
Speaker 3: that if you're in a couple, your partner is inshure
19:45
Speaker 3: WOD well, just because you can't get it doesn't mean
19:47
Speaker 3: they shouldn't be going in and exploring it. Like there's
19:50
Speaker 3: just there's a few things that you can do. And
19:53
Speaker 3: I'm really sorry that that's the case, but that is
19:55
Speaker 3: honestly the reality for some people where you just can't
19:59
Speaker 3: solidify it. And I'm not saying that's okay. I think
20:01
Speaker 3: it really sucks. It actually often is the people that
20:04
Speaker 3: need it so so so much. Yeah, but get advice
20:08
Speaker 3: and get good advice. But if you are speaking to
20:11
Speaker 3: a financial advisor and they have said I'm so sorry,
20:14
Speaker 3: miss jessic Ricci can't ensure you, they will give you
20:17
Speaker 3: a plan of what else you should be doing to
20:20
Speaker 3: protect yourself. So it's not That's why I'm kind of like,
20:24
Speaker 3: so did you get advice, because any good financial advisor
20:27
Speaker 3: would be like, I'm so sorry, I can't insure you
20:29
Speaker 3: for this, but this is our fallback plan.
20:31
Speaker 2: This is what you should be doing.
20:32
Speaker 3: I would love to see you save x amount per month,
20:35
Speaker 3: or your emergency fund needs to be this percentage more
20:38
Speaker 3: than normal people's or whatever. So that's why I was
20:40
Speaker 3: kind of effy about whether they've gotten advice, because any
20:43
Speaker 3: good advisor would never leave their client hind dry.
20:45
Speaker 2: They wouldn't be like, sorry, can't get it.
20:47
Speaker 5: Have a good day by Like yeah, I would say,
20:51
Speaker 5: like if it is the case that you can't get
20:54
Speaker 5: any at all, then I mean, I think Victoria would say,
20:57
Speaker 5: don't put your money where you can't act says it immediately,
21:00
Speaker 5: like investments would say.
21:02
Speaker 1: That, yeah.
21:02
Speaker 3: I would say that, yeah, your emergency fund should never
21:04
Speaker 3: never be invested.
21:05
Speaker 2: Put it in savings.
21:06
Speaker 5: And then also I would say, like you know, as
21:08
Speaker 5: if you can savings and then also maybe like super
21:12
Speaker 5: and maybe a little bit investments if you can afford
21:14
Speaker 5: to have like multiple sources of financially securing. Yeah, And
21:20
Speaker 5: then I would also just like be really up to
21:23
Speaker 5: date with like sendlink and ndis and all these kind
21:26
Speaker 5: of things, like just in case, because it's.
21:30
Speaker 2: Really sucks when you touchwood.
21:31
Speaker 5: If you were to get to a place where you're like, oh,
21:33
Speaker 5: I don't have any InCom and I can't get any
21:35
Speaker 5: income and I also don't have insurance, and then you're like, okay, well,
21:37
Speaker 5: let's see what sendlink has.
21:39
Speaker 2: It's so overwhelming at that point because.
21:41
Speaker 5: It's like, I mean, I don't know about everyone else,
21:42
Speaker 5: but I find it so hard to like read and
21:45
Speaker 5: take in what's on the Gay Too website.
21:47
Speaker 2: I'm really grateful that it's there. I'm really grateful we
21:49
Speaker 2: have these. I love reading that website. Perfect. That's perfect.
21:53
Speaker 5: But I would say look up beforehand as well, because
21:55
Speaker 5: even if you were like, Okay, well, if worse came
21:58
Speaker 5: to worst, Touchwood, I could get five hundre dollars a
22:00
Speaker 5: week or five dollars a fort nite, whatever, then at
22:02
Speaker 5: least you can start preparing your budget for that amount
22:06
Speaker 5: if anything were to happen. You can start preparing for
22:09
Speaker 5: what you can get in the future if you were
22:12
Speaker 5: to ever need it. And then you can also figure
22:14
Speaker 5: out where the hell the forms are, what the hell
22:16
Speaker 5: you do with the forms?
22:17
Speaker 2: What do I need? I need by a scan of
22:19
Speaker 2: my idea or something I don't know, So it's really
22:21
Speaker 2: good to just have that at the back of your mind.
22:23
Speaker 2: I think you can need Also.
22:25
Speaker 3: While I'm thinking about it, the additional thing I would say,
22:28
Speaker 3: is this is a really good flip in reminder to
22:31
Speaker 3: get your insurances in place before you even think you
22:33
Speaker 3: need them. Yes, because yes, you might have a pre
22:36
Speaker 3: existing condition now. But there's and I don't know what
22:39
Speaker 3: it is, it's none of my business, but there is
22:41
Speaker 3: a very big likelihood if you are young and fit
22:44
Speaker 3: and healthy, you think you don't need insurances, and that's
22:47
Speaker 3: the point at which you need insurance the most, and
22:50
Speaker 3: it is the most valuable to pick up because you
22:51
Speaker 3: won't have any pre existing conditions.
22:54
Speaker 2: We see it often in our community.
22:55
Speaker 3: You know, you'll go and see an advisor and they'll
22:58
Speaker 3: be like, so sorry, you had this health issue, or
23:01
Speaker 3: you might have had a melanoma cutout, or you might
23:03
Speaker 3: have had just literally anything happen. You used to play
23:06
Speaker 3: netpul and you've got a bung knee and they just
23:08
Speaker 3: won't cover these things. And you go, well, that's really
23:11
Speaker 3: annoying because what if I do my other ACL I
23:14
Speaker 3: won't be covered for that.
23:14
Speaker 2: And you'll be like, well, no, you won't be.
23:17
Speaker 3: So the younger you are, the more important it is
23:20
Speaker 3: to solidify insurance while you can get it, because even
23:24
Speaker 3: though abung knee or whatever you might go, they wouldn't
23:26
Speaker 3: not ensure me. But you add that to a list
23:28
Speaker 3: of pre existing conditions, like let's say you've got a
23:31
Speaker 3: bung knee. You know, you had a heart issue at
23:34
Speaker 3: some point, and you also have mental health. Insurers are
23:37
Speaker 3: cracking down and they're not doing it to be awful
23:40
Speaker 3: and mean, like they have underwriters whose job it is
23:44
Speaker 3: to measure risk and go, okay, well, actually I don't
23:48
Speaker 3: want to give Jess a policy because.
23:50
Speaker 2: She's very very likely to claim on it. And at
23:52
Speaker 2: the end of the day, we're insurance, and yes, insurance
23:56
Speaker 2: is there to.
23:57
Speaker 3: Protect you, but they are also betting people, and they're
24:00
Speaker 3: betting that the people that they are ensuring hopefully don't claim,
24:04
Speaker 3: so that their business stays profitable. And if they go
24:07
Speaker 3: insure all these people who arguably need it and from
24:11
Speaker 3: my perspective, deserve it and I want to have it
24:14
Speaker 3: because it keeps their finances healthy. They're like, sorry, we'd
24:17
Speaker 3: be paying out left, right and center and become a
24:19
Speaker 3: non profitable company, and that's actually a really bad business.
24:22
Speaker 2: Decision for them.
24:23
Speaker 3: So it's more than personal, if that makes sense, And
24:27
Speaker 3: I think you understanding that is also important as well,
24:29
Speaker 3: because they've deemed you too high risk, but that doesn't
24:31
Speaker 3: mean another company might not setting your lots of love.
24:34
Speaker 2: I hope that whatever you're dealing with is, you know,
24:36
Speaker 2: not too hard.
24:37
Speaker 4: I know it can be a lot when you're trying
24:38
Speaker 4: to get your finances and stuff in order and dealing
24:40
Speaker 4: with all of those things as well.
24:41
Speaker 2: So where I was sending you good thoughts, lots of love.
24:44
Speaker 2: But should we get into the juicy DM? All right, yes,
24:47
Speaker 2: of course.
24:48
Speaker 3: So we've got a juicy DM, which I think is
24:51
Speaker 3: it's not It's obviously juicy because it's about a toxic workplace,
24:54
Speaker 3: but I also think it's a really relevant question, especially
24:57
Speaker 3: at this point in time, so our community members help.
25:00
Speaker 2: I need some advice.
25:01
Speaker 3: I'm a pastry chef working sixty plus hours a week,
25:05
Speaker 3: but I'm only paid for forty five, and overtime becomes
25:08
Speaker 3: time in loo.
25:09
Speaker 2: As I'm on a salary. It's physically exhausting.
25:12
Speaker 3: The vibe is toxic, constant negative feedback like work harder,
25:16
Speaker 3: do better, with nothing actually helpful being contributed to the conversation.
25:20
Speaker 3: They swapped me to night shifts without extra pay and
25:23
Speaker 3: extended my probation and said I'd be let go if
25:25
Speaker 3: I didn't improve. I'm halfway through and haven't heard a word.
25:29
Speaker 3: Since there are no jobs in my field where I live,
25:32
Speaker 3: and I've had no luck in other industries. I've got
25:35
Speaker 3: a mortgage and around twenty thousand dollars saved, and I'm
25:38
Speaker 3: honestly just ready to walk with no job lined up.
25:41
Speaker 3: Parts of me feel like I shouldn't waste my savings
25:44
Speaker 3: just because I hate my job. That said, I don't
25:46
Speaker 3: know how much longer I can take it. I'm just
25:49
Speaker 3: after the community's input. Whether I'm being silly or smart
25:52
Speaker 3: by putting me first, I'm.
25:55
Speaker 2: Really sorry that's happening to you.
25:56
Speaker 4: That sounds super stressful. I, as you know, guys know
26:00
Speaker 4: quite risk adverse, I would say, especially with the mortgage
26:02
Speaker 4: over your head, I would be walking. I really want
26:04
Speaker 4: you to be able to prioritize your mental health, and
26:06
Speaker 4: that's so important and so valid, But pragmatically speaking, your
26:12
Speaker 4: emergency fund, your savings will only last you for so long.
26:15
Speaker 4: It's a tough job market out there, and particularly because
26:17
Speaker 4: you've just told me, you just said that there's no
26:19
Speaker 4: jobs in your area, you're having a hard time. That
26:22
Speaker 4: money will disappear more quickly than you think. And my
26:24
Speaker 4: concern would be that the financial pressures of having to
26:28
Speaker 4: pay a mortgage and not having money coming in could
26:31
Speaker 4: also put I would argue the same level of strain
26:34
Speaker 4: on you that you're already experiencing. Its kind of like
26:36
Speaker 4: you'd be training one negative thing for another negative thing.
26:39
Speaker 2: I would be it sounds like you might be already
26:42
Speaker 2: but actively looking for jobs.
26:44
Speaker 4: Also, speaking to fair work, I'm pretty sure depending on
26:46
Speaker 4: your award and depending on what your previous pay rate was,
26:49
Speaker 4: night shift generally means that you do need to be
26:51
Speaker 4: paid a higher rate unless your previous rate was above award,
26:55
Speaker 4: So I would be looking into that. If there's a union,
26:57
Speaker 4: feel industry looking into that as well. Just making sure
27:01
Speaker 4: that everything's above board, because a few of the things
27:03
Speaker 4: you've said have kind of flagged to me that your
27:05
Speaker 4: workplace might not be doing all the right things, So
27:07
Speaker 4: you can give fair work call they exist for that
27:10
Speaker 4: exact reason. Talk to them about your probation extension, talk
27:13
Speaker 4: to them about the fact that you're not getting actionable feedback,
27:16
Speaker 4: because that then also builds a historical chain of events,
27:21
Speaker 4: so that if you were to be let go unfairly
27:23
Speaker 4: or unfairly dismissed. You've got that evidence already supported and
27:27
Speaker 4: noted within fair work, which I think is important. But yeah,
27:30
Speaker 4: I know that that's probably not the answer that you're
27:32
Speaker 4: looking for, and maybe I feel like beck might have
27:35
Speaker 4: a different take on it.
27:37
Speaker 2: Thought I'll give you the answer. She looked like she
27:39
Speaker 2: was ready for her thoughts. Yes, because this is my thing.
27:42
Speaker 5: As you guys know, I quit my job randomly to
27:44
Speaker 5: do like literally four weeks at a job that I
27:46
Speaker 5: wanted to do, and then I was.
27:48
Speaker 2: Unemployed, and which she's not unemployed, by the way. No,
27:51
Speaker 2: I just I only just got a part time job.
27:54
Speaker 5: But what I'm saying is like, if you quit and
27:56
Speaker 5: you don't have a job at the end of it,
27:58
Speaker 5: you will never not make it work. I'm somehow made
28:01
Speaker 5: it work. I still got rent money because I was like, oh,
28:04
Speaker 5: I'm going to do this and this and this that
28:05
Speaker 5: will just make rent money.
28:06
Speaker 2: You're very resourceful. Well, thank you so much. But I
28:09
Speaker 2: do think that, like, I don't think you will.
28:12
Speaker 5: Have to worry about not having a job and not
28:15
Speaker 5: being able to pay the bills, because I know that
28:17
Speaker 5: would stress me out. I think it is so fun,
28:20
Speaker 5: It is so exciting and there's something so chill about
28:23
Speaker 5: being like, oh, I'm just I'm doing this little thing
28:25
Speaker 5: that's temporary that I'm just doing because I need to
28:28
Speaker 5: make money to pay the rent this month. It's like
28:31
Speaker 5: when you have a full time job that you really hate,
28:33
Speaker 5: you know what's paying the bills, but you're not like
28:35
Speaker 5: you're not doing it to pay the bills. It's almost
28:37
Speaker 5: like you're doing it because it's just part of your
28:38
Speaker 5: life and you just hate it. But when you quit
28:41
Speaker 5: your job and you're like, leave yourself a week or
28:44
Speaker 5: two to just be unemployed, and then after that, don't
28:46
Speaker 5: even if you can't find work in your field, then
28:49
Speaker 5: do whatever the hell I've emailed recruiters and being like, hey,
28:52
Speaker 5: I'm happy to do temp work. Sometimes that literally means
28:55
Speaker 5: sitting at a desk with twenty other people who are
28:57
Speaker 5: there to do temp work and literally uns stapling paper
29:01
Speaker 5: and putting those papers in folders, and you do that
29:03
Speaker 5: for eight hours a day, and it's like mind numbing.
29:05
Speaker 5: You chuck your headphones in. You know that you're only
29:07
Speaker 5: there so that you can make money. Everyone's only there
29:09
Speaker 5: so they can make money. You don't have to put
29:11
Speaker 5: on this whole like you know, when you go into
29:13
Speaker 5: interviews and they're like, why do you.
29:14
Speaker 2: Want to work here?
29:14
Speaker 5: And you know it's because you want money, but you
29:16
Speaker 5: have to be like, oh, I'm so passionate about I
29:19
Speaker 5: don't know ice, creameres, you know, like.
29:21
Speaker 2: Random places that you're trying to get jobs at so
29:23
Speaker 2: you make money. Don't do any of that.
29:24
Speaker 5: Just get temp jobs, just to like pickpacking, just get
29:27
Speaker 5: a little kitchen hand job, whatever you can do to
29:29
Speaker 5: make money in the meantime when you start needing to
29:32
Speaker 5: make money again.
29:33
Speaker 2: But I think put in your notice now.
29:36
Speaker 5: In the meantime, be looking for really quick and easy
29:39
Speaker 5: temp jobs.
29:41
Speaker 2: Whatever you want to do. It doesn't have to be
29:42
Speaker 2: in the same field. You're going to make it work.
29:45
Speaker 5: And because you've quit your job, you're going to have
29:47
Speaker 5: to make it work, and that there's something very exciting
29:49
Speaker 5: about that. So put in your resignation and then make
29:52
Speaker 5: it work, and I trust that you will. And then
29:54
Speaker 5: you're going to find something slowly, slowly, you're gonna be looking.
29:57
Speaker 5: You're going to find something you love, but you're just
29:59
Speaker 5: gonna be making it work until you do. So don't
30:03
Speaker 5: be sad for a moment longer.
30:04
Speaker 2: You terrify me. Don't terrify me. I couldn't do that.
30:10
Speaker 2: You will make it work, you would. I'm not disagreeing.
30:13
Speaker 2: I'm not saying.
30:14
Speaker 3: It's like two things can be true at one time,
30:17
Speaker 3: Like that can be true, and then it can also
30:19
Speaker 3: be true that for me that wouldn't work, and that's fine. That,
30:22
Speaker 3: oh my lord, knowing that I would quit a job
30:24
Speaker 3: and have a mortgage already sending me over the edge,
30:27
Speaker 3: Like my anxiety is through the roof. Like I think
30:29
Speaker 3: I would have more anxiety not having a job than
30:31
Speaker 3: being in a shitty job with shitty people. Like just oh, anyway,
30:36
Speaker 3: I think first things first, you are not being silly
30:38
Speaker 3: at all, Like what you're describing sounds really unsustainable and
30:42
Speaker 3: really unfair. As an employer of people, I have so
30:45
Speaker 3: many questions. So one of the things you said is
30:48
Speaker 3: like they extended my probation. Never heard another thing about it.
30:52
Speaker 3: What if I extend someone's probation, which by the way,
30:57
Speaker 3: hasn't ever happened, But you're gonna hear from me weekly
31:00
Speaker 3: because I'm essentially saying, and I don't know how your
31:04
Speaker 3: business is working this, but if hypothetically I needed to
31:08
Speaker 3: extend someone's probation, The reason is because I'm not sure
31:11
Speaker 3: I want them in my business. So I've had six
31:14
Speaker 3: months with you and you have not proven to me
31:17
Speaker 3: that you are.
31:17
Speaker 2: The right fit.
31:18
Speaker 3: And I go, well, I'm still not sure. I just
31:22
Speaker 3: want a bit more probation time. Sorry, where's the plan?
31:26
Speaker 3: Where are the landmarks that I can work towards that
31:29
Speaker 3: show that I am the right person? Is it output?
31:32
Speaker 3: Is it being on time to work?
31:34
Speaker 1: Is it like?
31:34
Speaker 2: What are these things?
31:35
Speaker 1: Like?
31:35
Speaker 3: Why was your probation extended? And that goes back to
31:38
Speaker 3: what you said, Jess, call fair work. Explain your situation,
31:42
Speaker 3: not just that like you feel uncomfortable in that it's toxic.
31:44
Speaker 2: That's a very important factor. But they extended this.
31:47
Speaker 3: What does this mean You're meant to have a plan
31:50
Speaker 3: for that period of time because essentially you're on notice
31:53
Speaker 3: because they're going to extend your probation and then go, hey, sorry,
31:56
Speaker 3: now we've done another three months.
31:58
Speaker 2: This really isn't working.
32:00
Speaker 3: I think it's very reasonable and very valid to prioritize
32:04
Speaker 3: your health in your well being over a toxic workplace.
32:06
Speaker 3: So if that's the reason you're quitting, I think you
32:09
Speaker 3: know it's money well spent. We have emergency savings for
32:11
Speaker 3: a reason. And sometimes the emergency is getting out of
32:14
Speaker 3: a situation we no longer want to be in, and
32:16
Speaker 3: that is completely valid and completely fine. That said, you've
32:20
Speaker 3: got a mortgage, and I think we need to balance
32:22
Speaker 3: financial security and self care. Like where's the middle ground there? Like, yes,
32:26
Speaker 3: you don't want to be there, go what are you
32:28
Speaker 3: doing to get out of there? Are you applying for
32:31
Speaker 3: heaps of other jobs? Are you looking at temp jobs?
32:34
Speaker 3: Because you had some really really good suggestions you could
32:37
Speaker 3: do six million things And if those things sound better
32:40
Speaker 3: than your current workplace, go apply for them, solidify them,
32:43
Speaker 3: then quit your job, go to another job where.
32:45
Speaker 2: It's not toxic.
32:46
Speaker 3: And yeah, you're not doing something that you love, but
32:48
Speaker 3: at least you've got a job, You've got cash coming in,
32:50
Speaker 3: and we can still be applying for your dream jobs
32:53
Speaker 3: and the jobs that you want to be doing, because
32:55
Speaker 3: like even if you're doing unstapling and putting stuff in
32:58
Speaker 3: folders slagh, you're still getting money in the door.
33:02
Speaker 2: And then when you get home you can apply for jobs.
33:03
Speaker 3: And you know, even if you work there for two
33:05
Speaker 3: weeks and then quit, at least you weren't ever in
33:08
Speaker 3: a worse off financial position, and I think that's a
33:11
Speaker 3: good thing for our mental health as well. So I
33:13
Speaker 3: think I would be what's your exit plan. You've decided
33:16
Speaker 3: you're leaving this job, are you applying for new jobs?
33:20
Speaker 3: Are you making a plan?
33:21
Speaker 2: What does that look like?
33:22
Speaker 3: Is probably where I would come from with that. What
33:25
Speaker 3: everybody else say, mostly you deserve better, but would you
33:28
Speaker 3: like their two cents?
33:29
Speaker 2: Absolutely so.
33:30
Speaker 3: The first question I asked on the stories was, have
33:32
Speaker 3: you guys ever worked in a toxic workplace? Seventy percent
33:37
Speaker 3: seventy percent of you said yep, and I left. Sixteen
33:40
Speaker 3: percent said no, thankfully, But then fourteen percent of you said, yep,
33:44
Speaker 3: I'm still there.
33:45
Speaker 2: Oh that's really sad, so sad because that's eighty four
33:50
Speaker 2: percent of people who have or are in toxic I know,
33:54
Speaker 2: I'm not surprised. No, No, definitely get out of there.
33:57
Speaker 3: Next question we asked if you had twenty thousand dollars
34:00
Speaker 3: in savings and a job like this with no other options,
34:03
Speaker 3: would you leave?
34:04
Speaker 2: Thirty nine percent of you said I'd stay with a
34:06
Speaker 2: time limit.
34:07
Speaker 3: Thirty one percent said yes, that's what savings are four
34:09
Speaker 3: and thirty percent said no, I'd need to have another
34:12
Speaker 3: job first.
34:13
Speaker 2: Again, we're all just different people.
34:15
Speaker 3: Like, that's a really, that's the annoying thing about money
34:18
Speaker 3: and life, right Like Beck would just happily be like, nah,
34:21
Speaker 3: I'll work it out, and I'd be like, I have
34:23
Speaker 3: too much anxiety. We then said what's your two cents?
34:26
Speaker 3: And I've got a little collection of these because I
34:28
Speaker 3: know we're running out of time. First person said, keen
34:31
Speaker 3: to hear your thoughts. My partner is a chef and
34:33
Speaker 3: they routinely underpay him.
34:35
Speaker 5: Yeah.
34:35
Speaker 3: Next person said, don't quit until you speak with fair
34:39
Speaker 3: work and get fairly compensated for your work.
34:41
Speaker 4: Sam.
34:42
Speaker 3: Next person said, I'd go back to only working the
34:44
Speaker 3: hours I'm getting paid for until I can find another job,
34:48
Speaker 3: which I think is important too. Like if they're only
34:50
Speaker 3: giving you time in lou and then you can't take
34:52
Speaker 3: the time in Lou off, it is actually no financial benefit.
34:57
Speaker 3: Maybe you could be like, hey, I need all of
34:59
Speaker 3: that time in lou and then use that time to
35:01
Speaker 3: apply for other jobs. Yes, ye still getting paid. Someone
35:05
Speaker 3: said staying in a toxic job can cost you more
35:08
Speaker 3: than leaving.
35:08
Speaker 2: It's true too, Vallad.
35:10
Speaker 3: Another person said, I have a side hustle for this reason.
35:12
Speaker 3: I can leave a toxic main job at any time,
35:15
Speaker 3: they don't own me. Next person said, start taking your
35:18
Speaker 3: time in lou surely you have some weeks accrued by now.
35:21
Speaker 3: And then the last person said, your mental well being
35:23
Speaker 3: is worth more than twenty grand. Aka, I think it's priceless.
35:27
Speaker 2: Also a great point, so true. Great place to leave it, guys.
35:31
Speaker 3: I hope you have a beautiful weekend and we will
35:34
Speaker 3: see you bright and early on Monday morning for a
35:36
Speaker 3: money diary.
35:37
Speaker 2: Bye, guys, Bye? Did buy shared on?
35:46
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