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$20K in Debt With No Clue About Money… Now I'm Raising Money-Smart Kids · She's On The Money

• 0:00
  Speaker 1: Hello.
• 0:01
  Speaker 2: My name is Satasha Nabananga Bamblet. I'm a proud or
• 0:04
  Speaker 2: the Order Kerni Whaltbury and a waddery woman. And before
• 0:08
  Speaker 2: we get started on She's on the Money podcast, I
• 0:11
  Speaker 2: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 2: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 2: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 2: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 2: and the storytelling of you to make a difference for
• 0:30
  Speaker 2: today and lasting impact for tomorrow.
• 0:33
  Speaker 1: Let's get into it.
• 0:34
  Speaker 3: She's on the Money. She's on the Money.
• 0:57
  Speaker 1: Hello, and welcome to She's on the Money podcast that
• 1:00
  Speaker 1: lets you be pervy about other people's money habits for
• 1:03
  Speaker 1: educational purposes, of course. Welcome back to another one of
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  Speaker 1: our Money Diary's episodes where I get the absolute privilege
• 1:10
  Speaker 1: of sitting down with one of our She's on the
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  Speaker 1: Money community members and asking them a million questions about
• 1:14
  Speaker 1: their money story. Let's jump straight into it, because this
• 1:17
  Speaker 1: week I got a message and it sounded exactly like this.
• 1:21
  Speaker 1: Hi Victoria and She's on the Money. I grew up
• 1:24
  Speaker 1: Paul with the dad who could never hold down a job.
• 1:27
  Speaker 1: I wasn't taught anything about money and went into debt
• 1:30
  Speaker 1: as soon as I turned eighteen. Later, I was left
• 1:33
  Speaker 1: with twenty thousand dollars worth of debt from my ex
• 1:36
  Speaker 1: on top of my own. I buried my head in
• 1:39
  Speaker 1: the sand until last year when I turned thirty and
• 1:42
  Speaker 1: I decided to get my finances sorted. That's when I
• 1:45
  Speaker 1: found she's on the money using zero based budgeting. I
• 1:48
  Speaker 1: smashed my debt in two and a half years, and
• 1:51
  Speaker 1: my now husband and I are saving for a house.
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  Speaker 1: Learning about money changed my life, and now I get
• 1:58
  Speaker 1: to be the money teacher for my kids, kids that
• 2:00
  Speaker 1: I never had money dirist, I'm so excited about this.
• 2:04
  Speaker 1: I love that you're like, I've gone from literally being
• 2:06
  Speaker 1: in debt and having an X that got mean even
• 2:09
  Speaker 1: further debt to being literally like an icon for your
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  Speaker 1: kids teaching them about money. And ah, it's just so
• 2:16
  Speaker 1: exciting that people can change their story totally.
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  Speaker 4: I get that was so exciting listening to you.
• 2:21
  Speaker 5: To read that back yeah, because I mean, like me
• 2:25
  Speaker 5: telling it, yeah, it's okay, but then having you read
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  Speaker 5: it back to me, I was like, WHOA, that's.
• 2:30
  Speaker 1: Right, and I won't say I argue, but it's why
• 2:33
  Speaker 1: I'm always like to people tell me about your money
• 2:35
  Speaker 1: like grade, and then you go through their whole story
• 2:38
  Speaker 1: and you're like, girlfriend, like, that does not feel right.
• 2:41
  Speaker 1: Like it feels like you are probably being a little
• 2:43
  Speaker 1: bit self critical. But aren't women always self critical of themselves?
• 2:47
  Speaker 1: Totally we need to be better at that. All right,
• 2:49
  Speaker 1: let's jump into it, because I can't wait to ask
• 2:51
  Speaker 1: you a million questions, money durist, what grade would you
• 2:53
  Speaker 1: give your money habits if I asked you to give
• 2:55
  Speaker 1: them a grade from A through to F.
• 2:57
  Speaker 4: I'm going to go with B B.
• 2:59
  Speaker 1: All right, you tell me a little bit more about
• 3:02
  Speaker 1: your money story.
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  Speaker 5: Yes, So, growing up, my first money memory was I
• 3:07
  Speaker 5: was probably about three, and I remember waking up on
• 3:11
  Speaker 5: Christmas morning and opening these presents and it was this
• 3:13
  Speaker 5: really amazing fairy wings and tiara.
• 3:16
  Speaker 1: And a wand oh that's really sweet, it was.
• 3:18
  Speaker 5: And it wasn't until a couple of years ago I
• 3:21
  Speaker 5: actually found out that my mom had made those because
• 3:24
  Speaker 5: we had no money because my dad couldn't keep down
• 3:26
  Speaker 5: the job.
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  Speaker 6: And so this said, that's so wholesome, Oh it.
• 3:29
  Speaker 4: Is, honestly, And I was just my mum's such a legend.
• 3:32
  Speaker 4: I just think back in like she just made something
• 3:34
  Speaker 4: out of nothing for us.
• 3:36
  Speaker 1: You didn't even know the difference.
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  Speaker 5: I had no idea. I had no idea. I just
• 3:40
  Speaker 5: thought it was the coolest thing ever. And growing up,
• 3:42
  Speaker 5: so my mum was a stay at her mum from
• 3:44
  Speaker 5: when she had me. I've got three younger siblings, and
• 3:47
  Speaker 5: so money was always tight. And my dad is the
• 3:50
  Speaker 5: kind of person that would walk into a job think
• 3:53
  Speaker 5: that he could do.
• 3:53
  Speaker 4: It better than the boss. It would then all blow
• 3:55
  Speaker 4: up and then he would leave within six months.
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  Speaker 1: Oh good, that's a very positive attitude to have.
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  Speaker 4: So I'm positive.
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  Speaker 5: And so we were never taught financial literacy or anything
• 4:05
  Speaker 5: like that, So I grew up with a huge scarcity mindset.
• 4:09
  Speaker 5: So I was always under the assumption that whenever money
• 4:13
  Speaker 5: came in, it would just leave. And so I got
• 4:16
  Speaker 5: a job as soon as I turned fourteen. I got
• 4:18
  Speaker 5: my first job and I started working, and every single
• 4:20
  Speaker 5: dollar that I made I spent. I had no money
• 4:22
  Speaker 5: and I could never work out why I had no money.
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  Speaker 1: But like you don't know what you don't know, right,
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  Speaker 1: Like if no one sat you down and said money
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  Speaker 1: dirist you actually need to put some of this aside.
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  Speaker 1: You'll be like, well, why would I do that. I've
• 4:33
  Speaker 1: never had my own money and I deserve xyzet. Like
• 4:36
  Speaker 1: we're so tuned into what historically we've been taught and
• 4:41
  Speaker 1: like that's not a bad thing, it's just the way
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  Speaker 1: it is, right like, and I feel like we crucify
• 4:47
  Speaker 1: ourselves so often, and like we're often like, oh my god,
• 4:49
  Speaker 1: I was so dumb or I'm so silly and I
• 4:51
  Speaker 1: have no money, like this must be a reflection of
• 4:53
  Speaker 1: me personally, and it's like, well, no one's actually ever
• 4:56
  Speaker 1: sat you down and been like, hey, money diarist, you
• 4:58
  Speaker 1: need to do this with your money, and this is
• 5:00
  Speaker 1: what cash flow looks like and this is why you
• 5:02
  Speaker 1: should care about budgeting. But you did go to school
• 5:05
  Speaker 1: and they taught you trigonometry, so that's been really positive.
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  Speaker 4: Totally, And I'm sure I still use that now.
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  Speaker 1: I cannot give an example right now of how I
• 5:15
  Speaker 1: use that, and I literally work in finance, but okay either.
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  Speaker 5: And then yes, I had my first job at fourteen,
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  Speaker 5: spent on my money, and then I got to eighteen
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  Speaker 5: and I was approved for a credit card and.
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  Speaker 4: Worst obviously Hindsight's twenty twenty.
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  Speaker 5: But I wish that had never happened, because then I
• 5:34
  Speaker 5: ended up in all this credit card debt because obviously
• 5:36
  Speaker 5: no financial literacy plus a credit card does not eat
• 5:39
  Speaker 5: more good time.
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  Speaker 1: I mean it did at the time, though I can
• 5:42
  Speaker 1: almost guarantee that you had leg Let's be honest here,
• 5:44
  Speaker 1: like we didn't get into debt, and it was a
• 5:46
  Speaker 1: bad time getting into the debt. Often it's a fun ride.
• 5:50
  Speaker 4: Oh it was great. It was great free money, right, yeah, totally.
• 5:54
  Speaker 5: And I met my ex partner and he was really
• 5:58
  Speaker 5: good with money, and he would save and.
• 6:00
  Speaker 4: Save, and he taught me a couple of things.
• 6:02
  Speaker 5: I'll give him that, But then he was quite emotionally
• 6:07
  Speaker 5: abusive and verbally abusive, and so I just hit a
• 6:10
  Speaker 5: point where I was like, I need to get out
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  Speaker 5: of this.
• 6:12
  Speaker 4: Just about six months prior.
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  Speaker 5: To that, we had bought a new car and we
• 6:17
  Speaker 5: did it in my name because at the time I
• 6:19
  Speaker 5: worked for an insurance company and I got half price
• 6:22
  Speaker 5: insurance if it was in my name. So we did that,
• 6:24
  Speaker 5: and then when we broke up, it was just so
• 6:27
  Speaker 5: much easier on my mental health if I just I'm
• 6:30
  Speaker 5: going to sign the Regiro papers.
• 6:31
  Speaker 4: Just take it. I don't even care anymore. I just
• 6:33
  Speaker 4: need to get out, isn't it wild?
• 6:35
  Speaker 1: Like I totally respect that, And so many people who
• 6:37
  Speaker 1: haven't been in that situation might just be like, that's
• 6:40
  Speaker 1: so silly, why would you do that? And you're just like,
• 6:43
  Speaker 1: I don't think you understand the mental strain that I'm
• 6:45
  Speaker 1: under and the fact that literally being in significant debt
• 6:49
  Speaker 1: financially is much better, and I'm very happy with that completely.
• 6:53
  Speaker 4: I just to give you some context.
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  Speaker 5: So I have always been maybe a size twelve to fourteen.
• 6:59
  Speaker 5: In that relationship, I was under that much mental anxiety
• 7:02
  Speaker 5: and anguish that I dropped down to a size eight.
• 7:05
  Speaker 1: My goodness, but if that's not where your body sits naturally,
• 7:08
  Speaker 1: like you would have looked sick. Yeah, you would have
• 7:11
  Speaker 1: been not well.
• 7:12
  Speaker 5: It was so awful, and the relief I felt even
• 7:15
  Speaker 5: just signing those red Rock papers over, even though I
• 7:18
  Speaker 5: was in a huge amount of.
• 7:19
  Speaker 4: Debt, now it was so worth it. It was worth every dollar.
• 7:22
  Speaker 4: And then we had a joint account which we split
• 7:25
  Speaker 4: down the middle when we.
• 7:26
  Speaker 5: Split up, And so then I booked a return ticket
• 7:29
  Speaker 5: to the UK and I did a top deck tour
• 7:32
  Speaker 5: over there and I lived my best life and it
• 7:35
  Speaker 5: was great, but it actually put me into a little
• 7:36
  Speaker 5: bit more debt, which I don't regret at all, because
• 7:39
  Speaker 5: I had the absolute time of my life. And then
• 7:42
  Speaker 5: I came back and I got together with my now husband.
• 7:45
  Speaker 5: We'd worked together for a couple of years by that point,
• 7:47
  Speaker 5: but I had changed offices, so we weren't working directly together.
• 7:50
  Speaker 5: And then we found out quite soon after we got
• 7:53
  Speaker 5: together that I was going to have my daughter. That's
• 7:56
  Speaker 5: so exciting, it was, it was, and so I was
• 7:59
  Speaker 5: still money mess. I had her a couple of years ago,
• 8:03
  Speaker 5: and then I had my son during the big lockdown
• 8:06
  Speaker 5: that Sydney had in COVID, and I was still a
• 8:08
  Speaker 5: money mess at that point. And I remember thinking after
• 8:10
  Speaker 5: I had him, staring at him in the hospital, thinking
• 8:13
  Speaker 5: I just can't do this. I can't this tiny little face.
• 8:17
  Speaker 5: I can't have them go through the same childhood that
• 8:21
  Speaker 5: I had where we couldn't afford things and all that
• 8:22
  Speaker 5: sort of stuff.
• 8:23
  Speaker 1: That's really sad, but also like so embowering, Like yeah, totally.
• 8:28
  Speaker 5: So that was twenty twenty one, and so I like
• 8:31
  Speaker 5: had sort of started thinking about it, and then last
• 8:34
  Speaker 5: year I found the broke generations.
• 8:37
  Speaker 4: I fent Emma and then.
• 8:38
  Speaker 1: Yeah, she's gorge isn't she.
• 8:39
  Speaker 4: Oh she's so beautiful.
• 8:41
  Speaker 1: And she's just so relatable, like you just go yes, queen.
• 8:44
  Speaker 4: She's so relatable.
• 8:45
  Speaker 5: And then through Emma, I actually found she's on the
• 8:47
  Speaker 5: money and yourself. And then I binged from August last
• 8:53
  Speaker 5: year up until maybe three ways ago.
• 8:55
  Speaker 4: I binged the whole entire She's on the money.
• 8:58
  Speaker 1: Oh, Like, I'm so proud of you, because that's like
• 9:01
  Speaker 1: if I take a step back, that's like such an
• 9:03
  Speaker 1: epic step towards like creating financial freedom. But my lord,
• 9:07
  Speaker 1: that's like seven hundred episodes of my voice. I'm so sorry.
• 9:12
  Speaker 4: Don't apologize.
• 9:13
  Speaker 5: You absolutely changed my life. I listened to it one
• 9:14
  Speaker 5: and a half speed. I will throw that out there.
• 9:16
  Speaker 4: Oh.
• 9:17
  Speaker 1: I listened to all podcasts on two time speed like
• 9:20
  Speaker 1: everyone in my head. Yap's real quick too.
• 9:24
  Speaker 4: And then I read your book.
• 9:25
  Speaker 5: Oh cool, Yeah, our local library had it as an ebook.
• 9:29
  Speaker 4: So I smashed that down.
• 9:31
  Speaker 5: And then I sat down and I created with help
• 9:34
  Speaker 5: of some YouTube videos, I created a avalanche spreadsheet tracker
• 9:39
  Speaker 5: to smash it on my debt, and so between i'd
• 9:42
  Speaker 5: already started paying. I think I'd paid off about half
• 9:44
  Speaker 5: of it by this point, but then I sat down
• 9:47
  Speaker 5: in August, and between August and September, so beginning of August,
• 9:51
  Speaker 5: at the end of September, I had paid off nearly
• 9:55
  Speaker 5: all of it.
• 9:55
  Speaker 4: I think I had maybe three thousand dollars left.
• 9:58
  Speaker 5: And then I actually I came into some money unexpectedly
• 10:02
  Speaker 5: in the beginning of October, and I paid off the
• 10:05
  Speaker 5: rest of that debt.
• 10:05
  Speaker 1: And so ah, but like even your money mindset, right, So,
• 10:10
  Speaker 1: like you said, I came into some money unexpectedly. Like
• 10:13
  Speaker 1: I'm just going to make some assumptions. We don't know
• 10:15
  Speaker 1: each other well yet, but I'm assuming that historical you
• 10:19
  Speaker 1: would have just spent that money, not paid off the debt.
• 10:21
  Speaker 1: And the fact that you came into some unexpected money
• 10:24
  Speaker 1: and was like, okay, cool, that's going to pay off
• 10:26
  Speaker 1: my debt. Like that's such a mindset shift. Like and
• 10:29
  Speaker 1: I don't think that when we start making decisions like
• 10:32
  Speaker 1: that we get enough credit, because like that's not just
• 10:35
  Speaker 1: like a you know, a fluffy mindset shift, Like that's
• 10:37
  Speaker 1: a whole attitude shift and are like my values have
• 10:40
  Speaker 1: changed shift, Like that is cool. Yeah, it was a
• 10:44
  Speaker 1: complete one eighty and I remember thinking at the time
• 10:48
  Speaker 1: when I made that final payment, I logged on a
• 10:50
  Speaker 1: Saturday morning to see that it had been clear. I
• 10:53
  Speaker 1: remember thinking, now, I I had just feels when she
• 10:57
  Speaker 1: was talking about on the podcast when she paid off
• 10:59
  Speaker 1: her deay and there was no celebration and it was
• 11:01
  Speaker 1: so anticlimactic. Literally, someone in my DMS recently messaged me
• 11:06
  Speaker 1: and they said, Hey, the I just want to say
• 11:08
  Speaker 1: I've paid off all my debt and obviously, like everyone
• 11:10
  Speaker 1: please message me when you do that, I get so excited.
• 11:13
  Speaker 1: She's like, but I expected someone to jump out of
• 11:15
  Speaker 1: like a copboard with a bottle of champagne, Like where
• 11:17
  Speaker 1: was the champagne? Where were the balloons? Like it felt
• 11:21
  Speaker 1: really anticlimactic, which is why I'm always like, God, friend,
• 11:24
  Speaker 1: you have to celebrate yourself, Like, and I know that
• 11:26
  Speaker 1: maybe you are trying to save and whatnot, but like,
• 11:29
  Speaker 1: maybe do go out for dinner finally, or maybe do
• 11:32
  Speaker 1: like treat yourself to something that you've really really wanted,
• 11:35
  Speaker 1: because you need to kind of like celebrate the journey
• 11:38
  Speaker 1: and celebrate the winds because like no one else is
• 11:41
  Speaker 1: going to do that for you. Like, and I think
• 11:43
  Speaker 1: that's what we've always expected historically, someone else is going
• 11:46
  Speaker 1: to do it, someone else will clean it up, Like no, no,
• 11:49
  Speaker 1: you were the one that has to have your own back,
• 11:51
  Speaker 1: which also means celebrating you totally.
• 11:54
  Speaker 5: Yeah, my celebration actually came not long after that, so
• 11:56
  Speaker 5: we took a family holiday up to the Gold Coast
• 12:00
  Speaker 5: with the kids for my birthday and yeah, so cute.
• 12:03
  Speaker 4: Yeah.
• 12:03
  Speaker 5: I remember walking through SeaWorld and we went into the
• 12:06
  Speaker 5: Nickelodeon shop and I was standing in line and the
• 12:08
  Speaker 5: lady in front of me got her phone up to
• 12:10
  Speaker 5: pay and she paid with after pay at the counter,
• 12:13
  Speaker 5: and I remember just having this It was like someone
• 12:15
  Speaker 5: had thrown water in my face. I just had this
• 12:17
  Speaker 5: realization like, oh my god, that was me not long ago,
• 12:19
  Speaker 5: and I don't have to do that anymore. We have
• 12:22
  Speaker 5: cash to spend on this holiday. We're not going into
• 12:24
  Speaker 5: debt for it. And I just like I started tearing up.
• 12:26
  Speaker 5: And I'm not a big crier, but I was like,
• 12:28
  Speaker 5: oh my god, I did it.
• 12:29
  Speaker 4: I did it.
• 12:30
  Speaker 1: You did do it. That's making me like a little bit,
• 12:34
  Speaker 1: I don't know, like I hate the fact that we
• 12:38
  Speaker 1: can't just scoop people up like I'm such a and
• 12:41
  Speaker 1: maybe that's me with my like really frustrating like savior complex,
• 12:44
  Speaker 1: like I just want to scoop people up and be like, hey,
• 12:46
  Speaker 1: I saw you using after pain and I was just wondering,
• 12:49
  Speaker 1: like is there anything I can do? And like that's inappropriate,
• 12:52
  Speaker 1: Like don't do that. You know, in that moment, you
• 12:55
  Speaker 1: were probably like holy moly, like I have changed everything
• 12:59
  Speaker 1: about me, Like I'm not who I used to be,
• 13:02
  Speaker 1: and like my kids aren't going to grow up with
• 13:03
  Speaker 1: the same experiences. Like don't get me wrong, when you
• 13:06
  Speaker 1: were explaining that your mom had made you fairy wings
• 13:09
  Speaker 1: and that you didn't know the difference, like that is
• 13:11
  Speaker 1: the sweetest thing ever, Like, don't get me wrong. Some
• 13:14
  Speaker 1: of my favorite memories as a child are the things
• 13:16
  Speaker 1: that my mum made me or did for me. And
• 13:19
  Speaker 1: that's something that now as an adult and a mom,
• 13:22
  Speaker 1: I have been trying to give those experiences to Harvey,
• 13:25
  Speaker 1: Like I want to make his Santa Sack and I
• 13:28
  Speaker 1: want to do all of those things because I think
• 13:30
  Speaker 1: that those are like those core, wholesome memories that just
• 13:34
  Speaker 1: show how much you're loved, right, Like at the end
• 13:37
  Speaker 1: of the day, you in that moment wasn't about the
• 13:40
  Speaker 1: fairy wings. You just felt so seen by your mom.
• 13:43
  Speaker 1: She got you a gift that she knew that baby
• 13:45
  Speaker 1: money Darist was going to be so excited about, and
• 13:48
  Speaker 1: you just felt so loved, And like, I think that
• 13:50
  Speaker 1: that's I'm just so glad that even though you grew
• 13:53
  Speaker 1: up with those experiences where you didn't feel like your
• 13:56
  Speaker 1: dad was teaching you a lot about money and like
• 13:59
  Speaker 1: you know, he couldn't hold down a job and alls,
• 14:00
  Speaker 1: that you still had that love along the way. And
• 14:02
  Speaker 1: I think that that's so beautiful because I think so
• 14:05
  Speaker 1: many moms and parents listen to this podcast and like,
• 14:07
  Speaker 1: oh my god, like I just don't have enough to
• 14:09
  Speaker 1: give my kids what they want. And ultimately it's actually
• 14:12
  Speaker 1: not about the stuff. It's about the feeling, Like how
• 14:15
  Speaker 1: do you give them that feeling? And yet it might
• 14:17
  Speaker 1: take some more time, don't get me wrong, but like
• 14:20
  Speaker 1: you can still give them most beautiful core memories without
• 14:23
  Speaker 1: spending hundreds of dollars.
• 14:25
  Speaker 4: Totally agree.
• 14:26
  Speaker 5: I completely agree, And I look at them now and
• 14:28
  Speaker 5: because my husband and I work full time, so we
• 14:32
  Speaker 5: are away from them quite a bit, so they go
• 14:35
  Speaker 5: to daycare before and after school. Kit and I know,
• 14:38
  Speaker 5: like seeing their faces when they get a new toy
• 14:40
  Speaker 5: versus seeing their faces when we sit down and play
• 14:44
  Speaker 5: with them and actually spend time with them. It's just
• 14:47
  Speaker 5: absolutely priceless. And I know a lot of people say that,
• 14:50
  Speaker 5: but it really is. Like the time you give them
• 14:53
  Speaker 5: is so incomparable to like buying them things.
• 14:56
  Speaker 1: It's just yeah, Oh, I love this. I love this
• 14:59
  Speaker 1: so much. It sounds like you've changed your entire story.
• 15:03
  Speaker 1: Now tell me a bit more. You said, my husband
• 15:05
  Speaker 1: and I work full time. What do you do for work?
• 15:07
  Speaker 1: And how much money do you want?
• 15:08
  Speaker 4: So I'm a revenue operations specialist.
• 15:12
  Speaker 1: What does that mean?
• 15:13
  Speaker 5: So I work under our sails manager, and so I
• 15:16
  Speaker 5: do all.
• 15:17
  Speaker 4: Of the forecasting and contracts and numbers for her.
• 15:20
  Speaker 5: So I work with numbers, not directly in the finance space,
• 15:24
  Speaker 5: but I pulled together costing and all that sort of stuff.
• 15:27
  Speaker 1: That's very cool.
• 15:28
  Speaker 4: Yeah, I absolutely love it.
• 15:29
  Speaker 5: But the more that I've gone into this personal finance journey,
• 15:32
  Speaker 5: I've thought maybe I should have gotten into finance instead,
• 15:35
  Speaker 5: because I am obsessed with spreadsheets.
• 15:37
  Speaker 4: I've learned in the last six months.
• 15:39
  Speaker 1: I love spreadsheet me too.
• 15:41
  Speaker 5: You'll approciate this from Valentine's Day, I got my husband
• 15:44
  Speaker 5: a card and had an Excel spreadsheet on the front
• 15:46
  Speaker 5: that said freak in the Sheets, because he's.
• 15:47
  Speaker 4: Obsessed with them too.
• 15:48
  Speaker 1: I love that. I actually have a coffee mug that
• 15:50
  Speaker 1: says freaking the ship.
• 15:54
  Speaker 4: Yeah.
• 15:54
  Speaker 1: Sometimes I give it to my dad when he's over
• 15:56
  Speaker 1: for coffee and tea, and I just think it's funny,
• 15:59
  Speaker 1: so funny.
• 16:00
  Speaker 5: And I earn one hundred and twenty five thousand a
• 16:01
  Speaker 5: year plus sooper, Oh.
• 16:02
  Speaker 1: My god, that's such a good income. And you're like
• 16:06
  Speaker 1: a baby, not a baby, but like you're in your
• 16:08
  Speaker 1: early thirties, right, yeah, I am.
• 16:10
  Speaker 4: Can I tell you something else that makes me extra
• 16:12
  Speaker 4: proud of that?
• 16:12
  Speaker 1: Please do?
• 16:13
  Speaker 4: I never went to UNI.
• 16:15
  Speaker 5: I've worked my way up and I got a Diploma
• 16:19
  Speaker 5: of Business last year while juggling full time work, my
• 16:22
  Speaker 5: husband and my two kids.
• 16:23
  Speaker 1: No you didn't, I did.
• 16:25
  Speaker 4: I did it.
• 16:25
  Speaker 5: Honestly seeing that number on my paycheck everyport and I'm like, hell,
• 16:29
  Speaker 5: yeah I did that.
• 16:30
  Speaker 1: Yeah you did, queen, Like that is so much money,
• 16:33
  Speaker 1: Like that is life changing. And don't get me wrong,
• 16:36
  Speaker 1: lots of people are going to listen to this and
• 16:37
  Speaker 1: be like, no, it's not all people are going to
• 16:39
  Speaker 1: be like, oh my god, that's like double what I earn,
• 16:42
  Speaker 1: and like we're all in different spaces and on different journeys.
• 16:45
  Speaker 1: And I think that's one of my favorite things about
• 16:46
  Speaker 1: money diaries is that we can just share this and
• 16:49
  Speaker 1: be like, oh, this is what I'm doing, because like,
• 16:52
  Speaker 1: I hope that someone listens to this and goes, oh
• 16:54
  Speaker 1: my god, what do you mean she didn't go to UNI?
• 16:56
  Speaker 1: What do you mean? So tell me how did you
• 16:58
  Speaker 1: get into that role? Obviously you worked your way up,
• 17:01
  Speaker 1: but like you said, you did a diploma, Like did
• 17:04
  Speaker 1: you have to get the diploma to now earn this
• 17:06
  Speaker 1: amount or like what was that journey looking like?
• 17:08
  Speaker 5: Yeah, So I worked for a car rental company when
• 17:11
  Speaker 5: I was early twenties. I got made Redana from them.
• 17:14
  Speaker 5: I then moved to the insurance company and I worked
• 17:18
  Speaker 5: for them. I was actually being underpaid, I found out
• 17:21
  Speaker 5: at the car rental company. Rude, yeah, yeah, I was
• 17:24
  Speaker 5: on forty five K and I was managing two people.
• 17:28
  Speaker 1: Excuse me, that's not management rates.
• 17:30
  Speaker 5: No, it wasn't, And it was absolute insanity. And then
• 17:32
  Speaker 5: I moved over to the insurance company and I started
• 17:37
  Speaker 5: as a team assistant and they almost doubled my salary again.
• 17:41
  Speaker 1: Oh yeah, that would have been so exciting. You would
• 17:44
  Speaker 1: have been like, I don't know what to do with myself,
• 17:46
  Speaker 1: and was less.
• 17:47
  Speaker 4: Work and more money issues. That's always a.
• 17:48
  Speaker 1: Good combine, honestly, I'll take it.
• 17:51
  Speaker 4: Yeah.
• 17:52
  Speaker 5: And then I was there for my seven years. My
• 17:54
  Speaker 5: salary didn't go up much when I was there, but
• 17:57
  Speaker 5: that was fine. I worked with really good people, had
• 17:59
  Speaker 5: some really good managers, so it's completely fine.
• 18:01
  Speaker 4: I then got made redundant from there. So before thirty
• 18:04
  Speaker 4: i'd been redundant twice.
• 18:05
  Speaker 1: Oh did you get a good payout?
• 18:07
  Speaker 4: I did for that one.
• 18:07
  Speaker 5: I did because almost seven years it was and because
• 18:10
  Speaker 5: it was under the tax thresholder actually didn't pay a
• 18:13
  Speaker 5: tax at any of that redundancy pay so that was
• 18:16
  Speaker 5: straight in my pocket, which was amazing. And then I
• 18:19
  Speaker 5: just madly scrambled. I got maybe done in at thirty
• 18:22
  Speaker 5: weeks pregnant.
• 18:23
  Speaker 1: Oh my goodness, that would have been so stressful. Was
• 18:25
  Speaker 1: that with your daughter or your son?
• 18:27
  Speaker 4: My son?
• 18:28
  Speaker 5: So that was during the COVID lockdown. I remember my
• 18:30
  Speaker 5: manager crying as she had the conversation with me. She's like,
• 18:33
  Speaker 5: I'm so sorry. I'm like, yeah, nothing to be so bad.
• 18:35
  Speaker 5: It's fine, I know how this goes. I've done this before.
• 18:37
  Speaker 1: It's really find that would have stressed me out. And
• 18:39
  Speaker 1: I mean you shared earlier that when you had had
• 18:42
  Speaker 1: your baby, you were in the hospital like looking down
• 18:44
  Speaker 1: at him and just feeling like you can't do this,
• 18:46
  Speaker 1: So you're already in a financial pickle, like and I
• 18:48
  Speaker 1: know that. It's it's funny because like, obviously your manager
• 18:51
  Speaker 1: has to deliver that news, but it was probably not
• 18:53
  Speaker 1: their decision, like they would have just had to deliver.
• 18:55
  Speaker 4: It to you.
• 18:56
  Speaker 1: But you just go, this sucks, like this is the worst,
• 18:59
  Speaker 1: and like, what are you going to do? Start a
• 19:02
  Speaker 1: new job at thirty weeks pregnant? What did you do?
• 19:04
  Speaker 5: So, yeah, it was a departmental wide thing, so there
• 19:07
  Speaker 5: was a few of them.
• 19:08
  Speaker 4: My husband and I were in the same department.
• 19:09
  Speaker 5: But because he so he's quite a bit older than me,
• 19:12
  Speaker 5: he had been there for a really long time, so
• 19:14
  Speaker 5: they kept him because it would have cost them too
• 19:15
  Speaker 5: much to get rid of so they kept him, which
• 19:18
  Speaker 5: was it actually worked out really well for us because
• 19:20
  Speaker 5: there was that constant of his income coming in which
• 19:22
  Speaker 5: we really needed.
• 19:23
  Speaker 4: So that was fine.
• 19:24
  Speaker 5: So they what had happened was their redundancy process is
• 19:27
  Speaker 5: a really long time.
• 19:28
  Speaker 4: It's like thirteen weeks in total.
• 19:30
  Speaker 5: It's enormous, and so they paused it while they went
• 19:33
  Speaker 5: to maternity leave, and so I went on maternity leave
• 19:36
  Speaker 5: and then I wasn't due to return. So that was
• 19:39
  Speaker 5: in the September August September. I wasn't due to return
• 19:44
  Speaker 5: until Dune the following year, but they had taken the
• 19:48
  Speaker 5: redundancy of someone else because one of the guys had quit,
• 19:51
  Speaker 5: and so they took the redundancy of someone else and said,
• 19:53
  Speaker 5: you can do this job. And I was due to
• 19:55
  Speaker 5: come back at the same time. Someone who was doing
• 19:57
  Speaker 5: a similar job to me when on maternity and so
• 20:00
  Speaker 5: I said to my husband, I'm going to have to
• 20:02
  Speaker 5: go back early because I'm terrified they're going to take
• 20:04
  Speaker 5: this redundancy off me.
• 20:05
  Speaker 4: And because I had already worked out how much we
• 20:07
  Speaker 4: were getting in. It was quite Oh, it was life changing.
• 20:10
  Speaker 4: The sun.
• 20:10
  Speaker 1: Yeah, you've probably done your budget and worked it out
• 20:13
  Speaker 1: and been like okay, cool, Like I have two kids
• 20:15
  Speaker 1: and like my husband's inconsistent work, Like you get so
• 20:18
  Speaker 1: comfortable with an idea and like obviously you would have
• 20:21
  Speaker 1: worked it out again, but like, oh my goodness, like
• 20:23
  Speaker 1: the stress, yeah, completely.
• 20:25
  Speaker 5: And so I ended up going back when he was
• 20:28
  Speaker 5: four months old, which.
• 20:29
  Speaker 4: Was never my plan.
• 20:30
  Speaker 1: What was that like?
• 20:32
  Speaker 4: Oh, it was stressful.
• 20:33
  Speaker 5: So I interviewed and interviewed and interviewed, and I got
• 20:37
  Speaker 5: the job that i'man now, which has changed since I
• 20:39
  Speaker 5: got it. But I then had to go back to
• 20:42
  Speaker 5: full time work and it was three days in the office.
• 20:44
  Speaker 5: So going from being at home during COVID every single
• 20:47
  Speaker 5: day to then the kids, both kids being in daycare
• 20:51
  Speaker 5: full time, it was a huge adjustment, but I did it,
• 20:54
  Speaker 5: and so my roles changed a couple of times. So
• 20:57
  Speaker 5: I entered into this company as a a team assistant
• 21:02
  Speaker 5: and then our sales managers slowly gradually started giving me
• 21:05
  Speaker 5: more of the sales stuff to do all the behind
• 21:08
  Speaker 5: the scenes sales stuff, and so she's been training me up.
• 21:10
  Speaker 4: And then so I.
• 21:13
  Speaker 5: Had signed up the year before us to do the
• 21:15
  Speaker 5: diploma when the government had started doing the free courses
• 21:19
  Speaker 5: trying to get more people to do diplomas and certificates.
• 21:21
  Speaker 5: Master yeah, and so I was like, I'll do a
• 21:23
  Speaker 5: set for and then I was like, no, what stuff?
• 21:25
  Speaker 5: And I'm just going to go the whole hole and
• 21:27
  Speaker 5: do the diploma, go hard to go home, because I
• 21:30
  Speaker 5: was thinking that a lot, because I had no tertiary
• 21:31
  Speaker 5: qualifications either, So I thought a diploma at my age
• 21:35
  Speaker 5: will look a lot better than doing a surf for well,
• 21:38
  Speaker 5: that was how it was in my head anyway.
• 21:39
  Speaker 1: It's funny how we think these things, right, Like it's
• 21:42
  Speaker 1: so funny how we like do our justifications and like, yeah,
• 21:45
  Speaker 1: like obviously, like there's probably some weight to it, like
• 21:48
  Speaker 1: don't get me wrong, like one is technically more educated
• 21:51
  Speaker 1: than the other, but like you're in this role already
• 21:54
  Speaker 1: and you probably would have got it with or without,
• 21:57
  Speaker 1: And I don't know, it just makes you feel like
• 21:59
  Speaker 1: you've got a little bit more weight if you wanted
• 22:01
  Speaker 1: to move around or do something later in your career.
• 22:03
  Speaker 5: Exactly right, exactly right. And so I started here early
• 22:06
  Speaker 5: twenty twenty two, and then I was on one hundred
• 22:09
  Speaker 5: K almost from the get go, and so I did
• 22:12
  Speaker 5: the diploma. Just before I was finishing, I sat down
• 22:14
  Speaker 5: with my work best here was also the finance team,
• 22:17
  Speaker 5: and she's such an advocate for herself and everyone else else.
• 22:19
  Speaker 5: She's like, you need to go in there and ask
• 22:21
  Speaker 5: her at pay rat.
• 22:22
  Speaker 1: Yes, I love her already.
• 22:24
  Speaker 4: Yeah, she's so great.
• 22:25
  Speaker 5: And so I was like, oh god, I can't do that,
• 22:27
  Speaker 5: and she's like, yes, you can.
• 22:29
  Speaker 4: And so before I'd even had a chance, to my
• 22:31
  Speaker 4: manager of Porbia side and she's like, can we have
• 22:32
  Speaker 4: a quick chat? And I was like, oh.
• 22:34
  Speaker 1: God, oh no, anyone who says that illegal? Can we
• 22:37
  Speaker 1: have a quick chat?
• 22:38
  Speaker 4: I don't know?
• 22:39
  Speaker 1: Am I losing my job?
• 22:40
  Speaker 4: Yeah? I'm always like, am I in trouble? She was
• 22:42
  Speaker 4: like no, dot know. And somebody walked in.
• 22:44
  Speaker 5: She sat down and she's like, so I want to
• 22:46
  Speaker 5: do a little bit of a performance review because we're giving.
• 22:48
  Speaker 4: Your caras and I was like, oh, amazing.
• 22:51
  Speaker 5: And she's like, we're going to give you twenty five
• 22:54
  Speaker 5: thousand dollars extra and I'm like, sorry, what, Yeah, it
• 22:58
  Speaker 5: gets better.
• 22:58
  Speaker 4: It gets better.
• 23:00
  Speaker 5: He also then said and also, I'm going to give
• 23:02
  Speaker 5: you some kpies and if you can hit them in
• 23:04
  Speaker 5: the next twelve months, we're going to give you another
• 23:06
  Speaker 5: twenty five the hours to fill with kries.
• 23:07
  Speaker 4: And so I was like, oh my god, I don't
• 23:09
  Speaker 4: even know what to say right now.
• 23:11
  Speaker 1: My Jewey is on the floor. So are you going
• 23:12
  Speaker 1: to go out to one fifty soon if you hit
• 23:14
  Speaker 1: your KPIs June.
• 23:16
  Speaker 4: Should be June.
• 23:17
  Speaker 1: Oh you are iconic. So obviously there's some good cash
• 23:24
  Speaker 1: coming in. And can I make an assumption that your
• 23:26
  Speaker 1: husband earns something similar at the moment he.
• 23:28
  Speaker 5: Does, I'm going to earn him when I get the
• 23:31
  Speaker 5: pay rise.
• 23:32
  Speaker 4: On coen behavior.
• 23:33
  Speaker 5: I actually said to him when I told him what happened,
• 23:35
  Speaker 5: I'm like, does that bother you?
• 23:37
  Speaker 4: And he's like, hell no. He's like, if that means
• 23:40
  Speaker 4: I can retire early, go for it.
• 23:42
  Speaker 1: But also, what the hell if any man is intimidated
• 23:46
  Speaker 1: by what a woman earns? Like just walk? Just walk
• 23:49
  Speaker 1: like one out of ten.
• 23:50
  Speaker 5: Totally, That's what I was kind of like, this could
• 23:52
  Speaker 5: go one of two ways this question.
• 23:54
  Speaker 1: You've got to test the waters because I never thought
• 23:55
  Speaker 1: this would be a reality totally. Oh my goodness. So
• 23:59
  Speaker 1: what are your money goals? What are you currently working towards?
• 24:02
  Speaker 1: You obviously had the big money goal of getting out
• 24:04
  Speaker 1: of debt and you smashed that out. So what do
• 24:06
  Speaker 1: the big money goals now look like?
• 24:08
  Speaker 5: So have straight I wrote them down? So the first
• 24:10
  Speaker 5: one is we are going to buy a house? Is
• 24:13
  Speaker 5: she I actually reached out to Zella last month and
• 24:16
  Speaker 5: we've got oh my.
• 24:17
  Speaker 1: God, good idea.
• 24:19
  Speaker 5: We've got our first meeting with Solicity the week after next,
• 24:23
  Speaker 5: so I'm very excited.
• 24:24
  Speaker 1: Oh my gosh, Flick is gorgeous. You're gonna love her.
• 24:28
  Speaker 1: She's new to their team, but I've gotten her because
• 24:31
  Speaker 1: she's come back as a broker after Matt Leaf. Oh
• 24:33
  Speaker 1: she's a mum. I think you two will get on.
• 24:35
  Speaker 1: I think you too will get on. And she's just
• 24:37
  Speaker 1: you know those people that like just get it like
• 24:40
  Speaker 1: she just gets it, like she pulls it all together
• 24:43
  Speaker 1: so quickly. I'm so excited. Anyway, I won't keep talking
• 24:46
  Speaker 1: about Flick because I know that she'll probably listen to this.
• 24:50
  Speaker 5: And we're actually doing the big move. So we're moving
• 24:52
  Speaker 5: from Sydney up to the Blue Mountains.
• 24:53
  Speaker 1: A little bit of a tree change, yeah, totally.
• 24:56
  Speaker 5: And my husband and I are on really good salaries,
• 24:58
  Speaker 5: but because we haven't bought before, it is so hard
• 25:03
  Speaker 5: to get into the market in city, even on the
• 25:05
  Speaker 5: salaries on and people like I said that to someone
• 25:07
  Speaker 5: before and like, but you earn so much money, and
• 25:09
  Speaker 5: I'm like, it doesn't matter.
• 25:11
  Speaker 4: We would only just be able to service alone.
• 25:13
  Speaker 5: And that would be cutting everything back to basics, So
• 25:16
  Speaker 5: no extras for the kids, no swimming lessons.
• 25:18
  Speaker 4: I yeah, it's not possible.
• 25:20
  Speaker 5: So we're going to move to the Blue Mountains because
• 25:22
  Speaker 5: we love it up there. We go for quite a
• 25:24
  Speaker 5: few like day trips up there, we spend a lot
• 25:26
  Speaker 5: of time up there, and it's where we feel home
• 25:29
  Speaker 5: when we get up there, and so we're super excited.
• 25:31
  Speaker 1: Oh yeah, that feeling.
• 25:33
  Speaker 4: I love that.
• 25:34
  Speaker 1: And also, I just don't think people understand how genuinely
• 25:37
  Speaker 1: hard it is to get into your first home. Like
• 25:39
  Speaker 1: and obviously, like not everyone's going to go on a
• 25:41
  Speaker 1: property investing journey, but like the first property is the
• 25:44
  Speaker 1: hardest to get into because you not only need like
• 25:48
  Speaker 1: a complete deposit, but like it's the first time that
• 25:51
  Speaker 1: you're going to experience mortgage stress. It's the first time
• 25:54
  Speaker 1: that you're going through this entire process, and you forget
• 25:57
  Speaker 1: how many additional extras there are going to be, like
• 26:00
  Speaker 1: paying for a conveyancer, paying for building and pest, Like
• 26:04
  Speaker 1: what's stamp duty going to look like? As first home buyers, Yes,
• 26:07
  Speaker 1: you could probably get a waiver on that if you
• 26:09
  Speaker 1: buy under a certain amount, but you've got two kids
• 26:12
  Speaker 1: and a husband, and I'm assuming you don't want to
• 26:14
  Speaker 1: buy something that's relatively cheap because that's not going to
• 26:17
  Speaker 1: get you the location you want. So we're talking about
• 26:20
  Speaker 1: stamp duty, like there's just so many different things involved
• 26:23
  Speaker 1: that then often become overwhelming, and you're just like, I'm
• 26:27
  Speaker 1: never going to get in. But I'm excited for you
• 26:29
  Speaker 1: to sit down with Flick because you can take you
• 26:31
  Speaker 1: through everything.
• 26:31
  Speaker 5: Yeah, I'm excited too, And speaking of the house things,
• 26:34
  Speaker 5: So it took me a really long time to get
• 26:36
  Speaker 5: to the point of being okay with buying house because
• 26:39
  Speaker 5: my husband.
• 26:40
  Speaker 4: And I grew up quite differently.
• 26:41
  Speaker 5: His family quite well off, so he always had everything
• 26:43
  Speaker 5: he needed UNTI a really good school, and so he's
• 26:47
  Speaker 5: never bought either. So it's really it was similar to
• 26:49
  Speaker 5: what you were saying with you and your husband. It
• 26:51
  Speaker 5: was never a goal of mine, but it's a goal
• 26:52
  Speaker 5: of his. And so I was like, I'm not sure.
• 26:55
  Speaker 5: I don't think we can do this. When we're talking
• 26:56
  Speaker 5: about living in Sydney, I just kept saying to him,
• 26:58
  Speaker 5: we're not going to be able to service. We literally
• 27:00
  Speaker 5: like I worked in numbers and like you don't.
• 27:02
  Speaker 1: Want that stress. And don't get me wrong, Historically that's
• 27:05
  Speaker 1: been so like right of passage, but now it's like
• 27:09
  Speaker 1: that quote rite of passage actually becomes an entire burden
• 27:13
  Speaker 1: and I'd actually prefer to rent. Like I remember when
• 27:16
  Speaker 1: I didn't think it would be a reality for me,
• 27:18
  Speaker 1: and I was trying to like way up what that
• 27:19
  Speaker 1: would look like. I was like, that just feels like
• 27:22
  Speaker 1: too much, Like I don't actually want to do that.
• 27:25
  Speaker 1: And I think that at the very start of my
• 27:27
  Speaker 1: you know, I got out of debt and then I
• 27:29
  Speaker 1: started investing in the share market because that was accessible
• 27:31
  Speaker 1: for me. I was like, this feels good, Like I
• 27:34
  Speaker 1: didn't want to take that step because it just felt
• 27:36
  Speaker 1: like too much. And it would have been had I
• 27:39
  Speaker 1: stayed on the same salary, if we're being honest, like
• 27:42
  Speaker 1: it just wouldn't have worked out. And that's okay, but
• 27:45
  Speaker 1: I think we need to talk about that more.
• 27:47
  Speaker 4: Hey, totally, totally.
• 27:48
  Speaker 5: And so I'm actually reading your property book at the moment.
• 27:51
  Speaker 1: I hope that's a good book, great author, it's right.
• 27:54
  Speaker 4: It's so good.
• 27:55
  Speaker 5: I'm about halfway through, and there's so many things in
• 27:57
  Speaker 5: there that I just didn't even like process or no
• 28:01
  Speaker 5: that was part of the process, and I was like,
• 28:02
  Speaker 5: oh gosh, okay, but it's good to know. I'm one
• 28:05
  Speaker 5: of those people that likes to have all of the
• 28:06
  Speaker 5: facts upfront. I like to know everything about everything that
• 28:08
  Speaker 5: I'm going into.
• 28:09
  Speaker 1: That's what I wrote that book for. Like, literally, here
• 28:12
  Speaker 1: is everything here, all of the things that you need
• 28:14
  Speaker 1: to look at. Here's a checklist of what I want
• 28:16
  Speaker 1: you to take to your first home inspection. Like it's
• 28:19
  Speaker 1: literally the book that if I could hold your hand
• 28:22
  Speaker 1: through the entire process, I would. And lots of people,
• 28:25
  Speaker 1: and like even lots of my clients, they like post
• 28:29
  Speaker 1: it note different sections to come back to, or like
• 28:31
  Speaker 1: they take the actual book to their house inspections because
• 28:34
  Speaker 1: it's got the lists and stuff in it, which can
• 28:37
  Speaker 1: be really helpful.
• 28:38
  Speaker 4: Yes, totally. And then my second one is we are
• 28:42
  Speaker 4: going on.
• 28:43
  Speaker 5: A big holiday to the USA in twenty thirty one.
• 28:47
  Speaker 5: My husband's turning fifty and my auntie's turning seventy and
• 28:50
  Speaker 5: one of my cousins is turning forty.
• 28:51
  Speaker 4: So we're doing a big fairly holiday.
• 28:53
  Speaker 1: Over the Oh my goodness, Yeah, I'm so excited.
• 28:55
  Speaker 4: We're going to go on.
• 28:56
  Speaker 5: So my husband's dream has always been to go skiing
• 28:58
  Speaker 5: in Colorado, when he turns.
• 29:00
  Speaker 4: And so we're going.
• 29:01
  Speaker 5: To go over just after Christmas of twenty thirty and
• 29:05
  Speaker 5: go skiing and then go and meet my family in
• 29:07
  Speaker 5: Florida and we're all doing a big Disney cruise together,
• 29:10
  Speaker 5: at a big Disney trip.
• 29:11
  Speaker 1: That will be so fun. Ms Ters Gorici would be
• 29:13
  Speaker 1: so jealous.
• 29:15
  Speaker 4: I'm so excited.
• 29:16
  Speaker 1: Oh my goodness, how old will your kids be?
• 29:18
  Speaker 5: Well, my daughter's going to be turning twelve like two
• 29:20
  Speaker 5: weeks later and starting high school, and my son will
• 29:23
  Speaker 5: be ten, not none younger.
• 29:25
  Speaker 4: Yeah.
• 29:25
  Speaker 1: Yeah, that's an age where they're not going to forget
• 29:27
  Speaker 1: it either. Like if you took them when they were
• 29:29
  Speaker 1: so young, they'd be like, oh maybe I remember it
• 29:31
  Speaker 1: if you show me pictures. But like those ages, they're
• 29:34
  Speaker 1: going to remember it and they get.
• 29:35
  Speaker 5: To go with other cousins and everything. I'm so excited.
• 29:37
  Speaker 5: I'm so excited.
• 29:39
  Speaker 1: Oh my goodness, I know it's far away that like
• 29:41
  Speaker 1: that is so fun. And to be honest, you're going
• 29:44
  Speaker 1: to go into that holiday because I can see your
• 29:47
  Speaker 1: mindset and how you're planning for it already. You're going
• 29:50
  Speaker 1: into that holiday and you're not going to have any
• 29:52
  Speaker 1: financial stress. I'm assuming the whole thing's going to be
• 29:54
  Speaker 1: completely paid off by the time you get to that holiday. Yeah,
• 29:57
  Speaker 1: my husband and I sat down into the numbers and
• 29:59
  Speaker 1: worked at how much we need to save each fortnite,
• 30:01
  Speaker 1: so we put that away. And then my third goal
• 30:05
  Speaker 1: is so I have started investing, like I invested on
• 30:09
  Speaker 1: and off with Chaseys, and then I panicked and sold
• 30:11
  Speaker 1: them all and then as you do when you don't
• 30:14
  Speaker 1: know what you're doing.
• 30:14
  Speaker 5: And then I actually, when I got all my finances
• 30:18
  Speaker 5: in order last year, I started with fifty dollars a fortnight,
• 30:21
  Speaker 5: and then I worked my numbers again and changed it
• 30:23
  Speaker 5: to one hundred and fifty. And then by taking money
• 30:26
  Speaker 5: off the money that I allow myself to spend on
• 30:29
  Speaker 5: discussionary stuff each fortnite, I took the money from there
• 30:31
  Speaker 5: and pulled it into my investing one. And then I
• 30:34
  Speaker 5: also did that again recently to so I'm doing two
• 30:36
  Speaker 5: hundred a fortnite.
• 30:37
  Speaker 1: Who are you? Four hundred bucks a month? You found
• 30:39
  Speaker 1: four hundred dollars a month to invest? Excuse me?
• 30:42
  Speaker 4: Who are you?
• 30:44
  Speaker 1: I'm going to go back to previous goo and tap
• 30:46
  Speaker 1: you on the shoulder and be like, hey, I know
• 30:48
  Speaker 1: you just took on your shitty ex boyfriend's twenty thousand
• 30:51
  Speaker 1: dollar alone. But let me just give you a peek
• 30:53
  Speaker 1: into the future, because it's looking sick.
• 30:56
  Speaker 5: It is, And I have already said to my husband
• 30:58
  Speaker 5: at once that pay rise come through and we've put
• 31:01
  Speaker 5: away for the mortgage and everything like that, I'm going
• 31:03
  Speaker 5: to put all that extra money into investing because the
• 31:07
  Speaker 5: way the world is right now, I'm a bit nervous
• 31:09
  Speaker 5: about how everything's going.
• 31:10
  Speaker 1: So look at you. You are going to be so
• 31:13
  Speaker 1: financially secure.
• 31:14
  Speaker 4: Yeah.
• 31:15
  Speaker 5: The most important thing for me with that is to
• 31:17
  Speaker 5: be able to pass on a legacy to my kids
• 31:19
  Speaker 5: and their kids if they decide to have kids one day.
• 31:22
  Speaker 5: And just creating that generational wealth that we have had.
• 31:26
  Speaker 1: Oh my god, you deserve it and so much more.
• 31:28
  Speaker 1: I am so obsessed, like I adore that you get
• 31:30
  Speaker 1: to do. It makes me a little bit teary when
• 31:32
  Speaker 1: people are literally changing their entire lives. All right, I
• 31:36
  Speaker 1: have a lot of questions. Let's go to a really
• 31:37
  Speaker 1: quick break and on the flip side, we'll jump straight
• 31:40
  Speaker 1: back in. All right, money diarist, we are back. And
• 31:46
  Speaker 1: before you told me that you've managed to find four
• 31:49
  Speaker 1: hundred bucks a month to invest which is so cool
• 31:53
  Speaker 1: and so impactful. And you're getting a pay rise soon,
• 31:56
  Speaker 1: so more money is going to go into that, which
• 31:58
  Speaker 1: is very exciting. What are you investing in, though, So
• 32:02
  Speaker 1: tell me a little bit more about the investments that
• 32:04
  Speaker 1: you have.
• 32:05
  Speaker 4: Okay, I wrote all this town. So I have a
• 32:07
  Speaker 4: little bit in crypto that.
• 32:09
  Speaker 5: Was more of an Instagram ad popped up, and it
• 32:11
  Speaker 5: was for one of the platforms that it was like,
• 32:13
  Speaker 5: if you invest, we'll give you thirty dollars a bitcoin.
• 32:15
  Speaker 4: So I was like, I'll put thirty bucks in.
• 32:17
  Speaker 5: So currently that's sitting at forty five dollars seventeen because
• 32:20
  Speaker 5: it's just absolutely gone down and I'm so glad that
• 32:23
  Speaker 5: I don't have any.
• 32:24
  Speaker 4: More in that.
• 32:24
  Speaker 1: I wish I was as impactful as Instagram ads could be.
• 32:28
  Speaker 1: But in how Instagram ads like they just get you sometime,
• 32:31
  Speaker 1: and TikTok ads they get me. There's stuff that I
• 32:34
  Speaker 1: have purchased from a TikTok ad. I'm like, hold on,
• 32:36
  Speaker 1: how do I harness this sense of urgency and then
• 32:40
  Speaker 1: get people to get out of debt? It just doesn't
• 32:42
  Speaker 1: work the same, does it.
• 32:43
  Speaker 4: No? I wish it did. I really wish it did.
• 32:45
  Speaker 1: I'm going to keep trying though.
• 32:48
  Speaker 5: And then I've also got so at the moment, I've
• 32:50
  Speaker 5: got one thousand and eighty dollars in shares, and so
• 32:54
  Speaker 5: that's made up of I've got three ets to rate,
• 32:57
  Speaker 5: so the real estate Investment Trust, one direct share, and
• 33:01
  Speaker 5: then my super sitting at in this, I'm really proud
• 33:05
  Speaker 5: of almost one hundred and twenty five k.
• 33:07
  Speaker 1: Excuse me?
• 33:07
  Speaker 4: What? Yeah?
• 33:08
  Speaker 1: How what is that? Because you worked from birth or like,
• 33:12
  Speaker 1: what's going on there?
• 33:13
  Speaker 5: No, So the insurance company actually paid above ward super,
• 33:17
  Speaker 5: so they paid when it was sitting at the nine percent,
• 33:19
  Speaker 5: they were paying thirteen.
• 33:20
  Speaker 6: So for all those years, that is so good.
• 33:24
  Speaker 5: Yeah, even though my salary was average, because they were
• 33:28
  Speaker 5: paying that above awards super, it's huge.
• 33:31
  Speaker 4: Like my husband's super. I'm not going to say what
• 33:33
  Speaker 4: it is because it doesn't want me to, but.
• 33:34
  Speaker 5: My husband's one because they've been paying that for so
• 33:36
  Speaker 5: long is enormous as well.
• 33:38
  Speaker 4: So even if we didn't have.
• 33:39
  Speaker 1: Oh you guys, I'm so excited for you. That's literally
• 33:43
  Speaker 1: the bloody best.
• 33:45
  Speaker 4: Yeah. So we set up for retirement.
• 33:47
  Speaker 5: We did one of those forecasters and it's just to
• 33:52
  Speaker 5: see that number, it's it's unbelievable.
• 33:54
  Speaker 1: Yeah, you just go actually, life's going to work out
• 33:57
  Speaker 1: for me.
• 33:57
  Speaker 4: Yeah.
• 33:58
  Speaker 1: But isn't it funny because like when you're younger, I
• 34:00
  Speaker 1: think you just assume these things happen. And I was
• 34:03
  Speaker 1: doing a talk the other day, like one of these
• 34:06
  Speaker 1: International Women's Day talk presentation things that I do, and
• 34:09
  Speaker 1: I was like, I used to just think that things
• 34:11
  Speaker 1: would just work out, like things would just happen and
• 34:14
  Speaker 1: fall into place. Like when I was eighteen and I'd
• 34:16
  Speaker 1: started full time work and I looked at all these
• 34:18
  Speaker 1: thirty year olds, I thought that they had their stuff together.
• 34:21
  Speaker 1: Like I would look at them and be like, oh
• 34:22
  Speaker 1: my goodness, like they've just had their first baby, or
• 34:24
  Speaker 1: they're just doing it, like they must have their shit together.
• 34:28
  Speaker 1: And then the more you learn about people, the more
• 34:30
  Speaker 1: you realize actually doesn't work out for you. It works
• 34:33
  Speaker 1: out because you worked for it, and it works out
• 34:35
  Speaker 1: because you made a plan, and most people don't actually
• 34:37
  Speaker 1: have a plan, and most people are actually not in
• 34:40
  Speaker 1: a good position, even though they look like they are.
• 34:43
  Speaker 1: And the more that you learn, the more that you're like, oh,
• 34:45
  Speaker 1: actually I need to do this for me so that
• 34:48
  Speaker 1: I can say life worked out for me. But it's
• 34:51
  Speaker 1: because I did the work, and I think so many
• 34:53
  Speaker 1: times we just hope that the work doesn't have to
• 34:56
  Speaker 1: be done. But when you start doing the work like
• 34:58
  Speaker 1: you have, you feel like a different human being totally.
• 35:02
  Speaker 5: I don't have that anxiety inducing waking up in the
• 35:05
  Speaker 5: middle of the night, go oh my god, how am
• 35:06
  Speaker 5: I going.
• 35:07
  Speaker 4: To pay this off?
• 35:08
  Speaker 1: It's life changing, isn't it. It's so cool. So talk
• 35:11
  Speaker 1: to me about debt. I'm assuming you don't have any debt,
• 35:14
  Speaker 1: but you're planning to go into debt when you purchase
• 35:17
  Speaker 1: a property.
• 35:17
  Speaker 4: Correct, So I have no debt.
• 35:19
  Speaker 1: That's so sexy. It should there should be like a
• 35:22
  Speaker 1: sound effect which is like balloons popping and champagne and
• 35:25
  Speaker 1: people cheering.
• 35:27
  Speaker 4: Yes, in my head that happens when I say that.
• 35:29
  Speaker 4: So I've got that there.
• 35:30
  Speaker 5: But yeah, So we're looking to take on a mortgage,
• 35:33
  Speaker 5: and so our mortgage will be between.
• 35:36
  Speaker 4: Eight hundred and nine hundred and fifty depending on what
• 35:39
  Speaker 4: we end up with.
• 35:40
  Speaker 5: I don't want to spend any more than about nine hundred,
• 35:43
  Speaker 5: which is doable where we're going to move to. Because
• 35:46
  Speaker 5: with that, I've done a couple of the online calculators
• 35:49
  Speaker 5: and the average of that we will be able to
• 35:51
  Speaker 5: comfortably live and the kids are still be able to
• 35:53
  Speaker 5: do the extracurriculars and all that sort of stuff.
• 35:55
  Speaker 1: So yeah, gorgeous. It's so important to remember that, and
• 35:58
  Speaker 1: it feels like you've got your heads growed on because
• 36:01
  Speaker 1: sometimes you'll go and just go, what can we borrow?
• 36:03
  Speaker 1: Like what can we borrow up to? And then you
• 36:05
  Speaker 1: see that as like a spend limit. And don't get
• 36:08
  Speaker 1: me wrong, some people do that and it works out
• 36:09
  Speaker 1: for them. But it's so important to go, actually, what's
• 36:13
  Speaker 1: going to give me the best work life balance? Because
• 36:15
  Speaker 1: actually the mortgage I'm signing up for is for thirty years,
• 36:18
  Speaker 1: and like I know that. It sometimes feels like, oh,
• 36:20
  Speaker 1: for the next year, we'll just you know, cut back
• 36:22
  Speaker 1: on the kids swimming lessons, but like that's going to
• 36:25
  Speaker 1: happen for their entire school career. So what does.
• 36:29
  Speaker 4: That look like?
• 36:29
  Speaker 1: Are you happy with that? How do we work with
• 36:32
  Speaker 1: a number that gives you work life or work mortgage
• 36:35
  Speaker 1: balance or life mortgage balance or whatever we want to
• 36:39
  Speaker 1: call it. The places around where we are now, like
• 36:42
  Speaker 1: we ideally we'd love to stay there, but they're like
• 36:45
  Speaker 1: one point four upwards. And I just said to my husband,
• 36:48
  Speaker 1: we literally cannot afford that.
• 36:50
  Speaker 4: And I refuse.
• 36:51
  Speaker 5: I'm like, I know we're going to buy a house,
• 36:52
  Speaker 5: but I put my foot down at that. I'm not
• 36:54
  Speaker 5: giving up what we have now just to be able
• 36:58
  Speaker 5: to get into a house.
• 36:58
  Speaker 4: It's their own.
• 36:59
  Speaker 1: Yeah, looking at your income and knowing that your husband's
• 37:02
  Speaker 1: semi on the same link, you could be approved for
• 37:05
  Speaker 1: up to that depending on the deposit that you have,
• 37:07
  Speaker 1: But that doesn't mean And it's funny, right you said
• 37:10
  Speaker 1: we cannot afford that, but the reality is technically you could,
• 37:15
  Speaker 1: but we will not be affording that is a different story,
• 37:19
  Speaker 1: and that's such an empowering position to be in. It's
• 37:21
  Speaker 1: like no, no, no, Like it's not because we don't
• 37:23
  Speaker 1: have the cash. It's because I'm not willing to sacrifice
• 37:27
  Speaker 1: my values, and like the power in that is so cool.
• 37:31
  Speaker 4: Totally.
• 37:32
  Speaker 5: I have to stop myself as well, because I'm still
• 37:34
  Speaker 5: in that habit of saying I can't afford that, and
• 37:37
  Speaker 5: I catch myself saying that to the kids and I'm like, oh,
• 37:40
  Speaker 5: I have to really reel myself in and go we
• 37:42
  Speaker 5: can afford it. And we're teaching that. So we've been
• 37:45
  Speaker 5: teaching our daughter about money as well. And I'm taking
• 37:47
  Speaker 5: full credit for this because my husband just went along
• 37:49
  Speaker 5: for the ride.
• 37:49
  Speaker 4: I saw a TikTok.
• 37:50
  Speaker 1: He's in the backseat.
• 37:51
  Speaker 4: Yeah, he is. He just agrees with it. He's just
• 37:52
  Speaker 4: that you go for it.
• 37:53
  Speaker 5: So it's similar to what the barefoot investor does. But
• 37:56
  Speaker 5: she gets four jars and one of them is a spender,
• 37:59
  Speaker 5: one's a savior, one's an investor, then one's a gift ja.
• 38:02
  Speaker 5: And so she gets twelve dollars pocket money a week.
• 38:05
  Speaker 4: We do two dollars based on how old she is
• 38:07
  Speaker 4: per year. But she's been alive.
• 38:09
  Speaker 1: Oh my goodness, I love that when I was little,
• 38:10
  Speaker 1: and obviously times have changed. Mine was fifty cents per year.
• 38:14
  Speaker 1: Now that inflation's pretty good. I'm not going to lie
• 38:17
  Speaker 1: so good.
• 38:18
  Speaker 5: So we've told her our only rule with that is
• 38:21
  Speaker 5: she has to split it evenly across the four jars,
• 38:23
  Speaker 5: and so she has three dollars in each jar. If
• 38:25
  Speaker 5: she hasn't touched her savee jar that week, she gets
• 38:27
  Speaker 5: fifty cents in interest.
• 38:29
  Speaker 4: Trying to teach her about interest.
• 38:30
  Speaker 5: Working obsessed. Yeah, And so her investor and her give jar.
• 38:35
  Speaker 5: We let her decide what amount she wants to bank
• 38:38
  Speaker 5: that at. So last time she decided thirty and so
• 38:40
  Speaker 5: she takes her jars down to the bank and takes
• 38:42
  Speaker 5: them to the teller and puts them in there. She
• 38:44
  Speaker 5: counts the money out and she deposits it, and then
• 38:46
  Speaker 5: we come home and she jumps on my computer and.
• 38:48
  Speaker 4: She does the transfers herself.
• 38:50
  Speaker 5: But she with the give jar. We said to her,
• 38:53
  Speaker 5: you have to donate this money. You get to choose
• 38:56
  Speaker 5: who you want to donate it too. So the first
• 38:57
  Speaker 5: time she did it, she donated to the Sydneyturechildren's Hospital.
• 39:01
  Speaker 4: And then she ended up spending a night at the.
• 39:04
  Speaker 5: Children's hospital over Christmas, and so my husband stayed with
• 39:07
  Speaker 5: her and told them about it. So they gave her
• 39:09
  Speaker 5: this toy. And then the Starlight Foundation came around and
• 39:11
  Speaker 5: played with her and.
• 39:12
  Speaker 4: Kept her calm.
• 39:13
  Speaker 5: And so this time when she thanked it, she did
• 39:15
  Speaker 5: a donation to the Starlight Foundation.
• 39:17
  Speaker 6: And so she but she's learning so much through that,
• 39:20
  Speaker 6: she is, and she was.
• 39:21
  Speaker 5: Able to see that because she had donated that money,
• 39:25
  Speaker 5: like that's what they do with their money.
• 39:26
  Speaker 4: They go to the hospitals and stuff, and it's.
• 39:27
  Speaker 1: Just no, no, that's just who whole So you're going
• 39:30
  Speaker 1: to make me cry. And you did that for her.
• 39:32
  Speaker 4: I did.
• 39:33
  Speaker 5: I did, and so even her saved her. So she'd
• 39:36
  Speaker 5: been saving. She's obsessed with Gabby's dollhouse. And so we're
• 39:40
  Speaker 5: at my mum's the other week and she's like, Mom,
• 39:42
  Speaker 5: I really really want to get the dollhouse. I've been
• 39:44
  Speaker 5: saving all my money. And I said, okay, call dad.
• 39:47
  Speaker 5: Check with dad. It's fine with me if it's fine
• 39:48
  Speaker 5: with dad. And so she gets my husband on the
• 39:50
  Speaker 5: phone and she's like, Daddy, please, I've been saying all
• 39:52
  Speaker 5: my money, I've got this much saved, I'm going to
• 39:55
  Speaker 5: have this much and left.
• 39:55
  Speaker 4: If I spend it, it's not all my money.
• 39:57
  Speaker 5: And he was like, to know what, dlse you do
• 39:59
  Speaker 5: that all your money, you go and do that, And
• 40:01
  Speaker 5: so we went to the shops. She took her money
• 40:04
  Speaker 5: and then it ended up being almost half the grass anyway.
• 40:06
  Speaker 4: So she's like, mom, it was a money win.
• 40:08
  Speaker 1: She's like, I spent.
• 40:09
  Speaker 4: Less money, and I'm like, that is what we call
• 40:11
  Speaker 4: a mommy win. Babe.
• 40:12
  Speaker 1: Yes, Queen, I adore that so much, And like, I
• 40:16
  Speaker 1: love how you're teaching your kids about money. Adore adore this.
• 40:20
  Speaker 1: You are literally the mummy and the parent that you
• 40:23
  Speaker 1: didn't have.
• 40:24
  Speaker 4: I was who I needed at her age.
• 40:27
  Speaker 5: I get to be that person and it's like, think,
• 40:30
  Speaker 5: she's so similar to me in personality. So it's what
• 40:33
  Speaker 5: I imagine it would have been like had I had
• 40:37
  Speaker 5: been afforded that opportunity.
• 40:39
  Speaker 1: Kind of like you're feeding your inner child at the
• 40:42
  Speaker 1: same time. Yeah, totally exactly, And I've hated I feel
• 40:46
  Speaker 1: like I've almost completely haled my inn a child for
• 40:48
  Speaker 1: me able to do this stuff for my kids, and
• 40:50
  Speaker 1: so it's just I.
• 40:52
  Speaker 5: Feel like I've just got this bubble of joy inside.
• 40:54
  Speaker 5: Over time I think about this stuff.
• 40:56
  Speaker 1: Oh, I'm obsessed. So obviously that is a fantast stick
• 41:00
  Speaker 1: money habit. What do you think your best money habit is?
• 41:03
  Speaker 4: So I have three. I don't think about straight. I've
• 41:06
  Speaker 4: got three.
• 41:07
  Speaker 5: My first one is I created a budget and cash
• 41:10
  Speaker 5: slow spreadsheet that has so many tabs to it. So
• 41:15
  Speaker 5: I've created a forward thought and created a mortgage tracker.
• 41:18
  Speaker 5: I've got my credit card tracker. We now I do
• 41:21
  Speaker 5: have a credit card, but it doesn't have any debt,
• 41:24
  Speaker 5: so I use it like a debit card for the
• 41:25
  Speaker 5: points because we often go to visit family up north
• 41:29
  Speaker 5: of New South Wales and.
• 41:30
  Speaker 4: That's so we're using the points for that.
• 41:32
  Speaker 5: And so I've got my credit card tracker to track
• 41:35
  Speaker 5: on my expenses. I've got all my sinking fun tracking,
• 41:37
  Speaker 5: I've got everyday accounts.
• 41:39
  Speaker 1: Who are you? I love this? You don't even need those,
• 41:42
  Speaker 1: she's on the money one. I'll gift it to you
• 41:44
  Speaker 1: so you can have a play with it and you
• 41:46
  Speaker 1: can see how it all works. And there's a whole
• 41:48
  Speaker 1: heap of like videos on like money, mindset and stuff,
• 41:50
  Speaker 1: which I think that you'll really enjoy. But I'll give
• 41:52
  Speaker 1: that to you. But it sounds like you don't even
• 41:54
  Speaker 1: need it, but like I hope that you like it.
• 41:57
  Speaker 4: Still, I'm sure I will love it. Thank you so
• 41:59
  Speaker 4: much so.
• 42:00
  Speaker 5: And I actually am at the point now where i've
• 42:02
  Speaker 5: my brother and his girlfriend just moved out a week
• 42:05
  Speaker 5: or so ago, and I sat down and did a
• 42:08
  Speaker 5: budget with them for their expenses to work out what
• 42:10
  Speaker 5: they've got coming in and that, Oh.
• 42:12
  Speaker 4: How fun.
• 42:13
  Speaker 1: You're becoming me like anyone who wants to sit down
• 42:16
  Speaker 1: with me in my personal life. And I'll do your
• 42:18
  Speaker 1: budget like say less, bab say less. I'll even pay
• 42:20
  Speaker 1: for brunch if you let me.
• 42:21
  Speaker 5: Do that my mum, Like I said, she's such a legend,
• 42:25
  Speaker 5: but she has had no financial literacy. So I'm slowly
• 42:28
  Speaker 5: sitting down with her and teaching her stuff.
• 42:30
  Speaker 1: Like being like, okay, mom, let's do this together.
• 42:33
  Speaker 4: Yeah.
• 42:33
  Speaker 5: And I looked over her super and I got her
• 42:35
  Speaker 5: super changed, and I've split up her bank accounts as
• 42:39
  Speaker 5: well now so she's not spending and becoming at the
• 42:41
  Speaker 5: same one.
• 42:41
  Speaker 1: And isn't it cool? Like and you're the perfect example
• 42:44
  Speaker 1: of this of when we can teach one woman about
• 42:47
  Speaker 1: financial literacy what she does for the rest of her community. Like,
• 42:51
  Speaker 1: because you've learned about it, your kids have financial literacy,
• 42:54
  Speaker 1: because you've done it, Your mom is going to have
• 42:57
  Speaker 1: better financial literacy. She's probably going to tell her friends
• 43:00
  Speaker 1: about things like, oh my daughter changed my super and
• 43:02
  Speaker 1: then her friends are maybe going to change and look
• 43:04
  Speaker 1: at their super because oh, well, you know money do
• 43:07
  Speaker 1: I storted it. I didn't even realize they needed to look.
• 43:09
  Speaker 1: Like we are having such a ripple effect and it
• 43:13
  Speaker 1: makes me so happy to know that, Like, from these
• 43:16
  Speaker 1: little things that I do, then they're bigger things, and
• 43:19
  Speaker 1: then they're massive things for you, and one day people
• 43:23
  Speaker 1: are going to retire comfortably and hopefully they maybe invite
• 43:27
  Speaker 1: me over for a cup of tea or something.
• 43:30
  Speaker 4: Completely.
• 43:30
  Speaker 5: I totally totally gre My second good habit is shot back.
• 43:35
  Speaker 4: I use shot back and top cash back.
• 43:37
  Speaker 5: Now I have the browser extensions and go for which
• 43:40
  Speaker 5: everyone's got the most cash back, but.
• 43:42
  Speaker 4: My shot back lifetime earnings.
• 43:44
  Speaker 5: I've been on shot back for I think four years now,
• 43:47
  Speaker 5: four six hundred and fifty seven dollars.
• 43:51
  Speaker 1: Yes, thank you, And that's like literally just free cash
• 43:53
  Speaker 1: totally is it sitting there if you pulled it out?
• 43:56
  Speaker 4: I pulled it.
• 43:56
  Speaker 5: I pulled it out every time I can, and so
• 43:58
  Speaker 5: I've been putting it into my agency fund when I
• 44:00
  Speaker 5: pull it out, straight into the emergency fund. And then
• 44:03
  Speaker 5: I actually because Beck had mentioned the games that you
• 44:06
  Speaker 5: can get paid for the games, I have made like
• 44:08
  Speaker 5: fifty bucks from playing the games in there too.
• 44:11
  Speaker 4: Oh. I love that.
• 44:12
  Speaker 1: I didn't even know they existed until Beck was like,
• 44:14
  Speaker 1: did you know you can play games on shotbag And
• 44:16
  Speaker 1: I'm like, sorry, what?
• 44:16
  Speaker 4: And it was such a good break too. I was like, oh, and.
• 44:19
  Speaker 1: I mean I like playing games and doing mindless things
• 44:21
  Speaker 1: on my phone while I watched maths say less. I
• 44:24
  Speaker 1: just got paid to watch maths exactly.
• 44:27
  Speaker 5: And then my third one is I never paid full
• 44:29
  Speaker 5: plus for anything I refuse.
• 44:32
  Speaker 4: I just think everything's always on sale at some point,
• 44:35
  Speaker 4: I will get it when it's on sale.
• 44:36
  Speaker 1: I love that. So do you have any bad money habits?
• 44:39
  Speaker 5: So twelve months ago, it definitely would have been impulse spending.
• 44:43
  Speaker 5: I was horrific for impulse spending because I've done a
• 44:47
  Speaker 5: lot of work on myself.
• 44:48
  Speaker 4: Now it's not I've actually gone the opposite direction.
• 44:51
  Speaker 5: So my bad, my worst money have it now is
• 44:53
  Speaker 5: feeling guilty every time I spend money on myself. I
• 44:56
  Speaker 5: can spend money on other people like my kids or
• 44:58
  Speaker 5: my husband, I'm more than happy to spend money on them,
• 45:00
  Speaker 5: But spending money on myself, I just it takes a
• 45:05
  Speaker 5: lot to talk me into it. And my husband's always like,
• 45:07
  Speaker 5: just do it, like you've come so far, just spend
• 45:10
  Speaker 5: the money, and I'm like, I just I'm steal in that.
• 45:12
  Speaker 5: I guess scarcity mindset.
• 45:14
  Speaker 4: So I'm trying to work my way.
• 45:15
  Speaker 1: Out of that and that sometimes it takes a bit,
• 45:17
  Speaker 1: but that's okay, and I'm glad you're aware of it,
• 45:19
  Speaker 1: because that can be like the hardest part right, So
• 45:23
  Speaker 1: talk to me. Now that we've had a full conversation
• 45:27
  Speaker 1: and I have a daughter, I feel like I'm obsessed
• 45:29
  Speaker 1: with you, Like from the moment that, like I read
• 45:31
  Speaker 1: your diary, I was like, oh, this is going to
• 45:33
  Speaker 1: be good, and then it just got better from fairy
• 45:35
  Speaker 1: Wings to how you are teaching your kids about money
• 45:38
  Speaker 1: to like you know, you planning a big holiday in
• 45:41
  Speaker 1: twenty thirty one, You're going to go on a Disney cruise,
• 45:43
  Speaker 1: like you are like living the life that you never
• 45:47
  Speaker 1: thought you could because like you literally left a relationship
• 45:50
  Speaker 1: with twenty thousand dollars worth of debt that wasn't even yours,
• 45:54
  Speaker 1: Like that is not who that woman thought she was
• 45:57
  Speaker 1: going to become, Like I'm so proud, But what about that?
• 46:02
  Speaker 1: Is a be? Like what would it take money dirist
• 46:05
  Speaker 1: to get from a B to like an A? Like
• 46:08
  Speaker 1: what do we have to change? Because like your super's
• 46:10
  Speaker 1: doing well, you're on the journey to buy your first home,
• 46:12
  Speaker 1: You're investing, you're about to get a pay rise, like
• 46:14
  Speaker 1: you're teaching your kids about money, Like where can we
• 46:17
  Speaker 1: fix things? Like why is there a whole grade that
• 46:20
  Speaker 1: you're not feeling like you're meeting Okay.
• 46:22
  Speaker 5: I'm going to change my grade after you've just ad
• 46:24
  Speaker 5: to go for an A minus to get to an
• 46:27
  Speaker 5: A class. I think it'll just be trying to sort
• 46:29
  Speaker 5: out the investing side of stuff, Like I know that
• 46:32
  Speaker 5: I'm on track to with my investments, but I need
• 46:36
  Speaker 5: to do more research and learn more in that space
• 46:39
  Speaker 5: and not just But that's a journey in itself totally.
• 46:42
  Speaker 5: And I think once we get into the house, that's when.
• 46:47
  Speaker 1: You'll feel secure.
• 46:48
  Speaker 4: Yeah. I feel like that's my personally last big hurdle.
• 46:51
  Speaker 5: I think once we get into the house and like
• 46:54
  Speaker 5: I can actually in my brain be like, oh my god, Okay,
• 46:57
  Speaker 5: we actually got into the house. Like I know, we've
• 46:59
  Speaker 5: got journey use a mortgage repayments sort but like, yeah,
• 47:03
  Speaker 5: we we're in it.
• 47:05
  Speaker 1: Yeah, I adore that. I love that so much, Money, Dirice,
• 47:08
  Speaker 1: this has been beautiful. I have so loved getting to
• 47:11
  Speaker 1: know you and sharing everything. Like, I'm so excited that
• 47:15
  Speaker 1: you're going to have a meeting with Felicity. It's Ella
• 47:17
  Speaker 1: Money soon. You're going to love her. She is She's
• 47:20
  Speaker 1: a pocket rocket. Like there's a lot that you two
• 47:22
  Speaker 1: will get along over. I am so excited to be
• 47:25
  Speaker 1: on this journey, please let me know. I'm actually just
• 47:27
  Speaker 1: gonna ask Click. I'm going to be like, hey, can
• 47:29
  Speaker 1: you keep me in the loop about this mortgage so
• 47:31
  Speaker 1: that I know when they buy their first home. I'm
• 47:34
  Speaker 1: just so excited to you and the journey that you're
• 47:36
  Speaker 1: on and everything that you've been through. And I just
• 47:38
  Speaker 1: know that the community has gotten a lot out of
• 47:41
  Speaker 1: this as well. So thank you so much for sharing
• 47:43
  Speaker 1: with us. I'm obsessed.
• 47:44
  Speaker 4: Thank you so much for having me and letting me
• 47:46
  Speaker 4: share my story.
• 47:47
  Speaker 1: Of course, anytime did By shared on She's on the
• 47:56
  Speaker 1: Money is general in nature and does not consider your
• 47:59
  Speaker 1: individual circumstances. She's on the Money exists purely for educational
• 48:04
  Speaker 1: purposes and should not be relied upon to make an
• 48:06
  Speaker 1: investment or financial decision. If you do choose to buy
• 48:09
  Speaker 1: a financial product, read the PDS TMD and obtain appropriate
• 48:13
  Speaker 1: financial advice tailored towards your needs. Victoria Divine and She's
• 48:17
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• 48:21
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