Latest / She's On The Money / IWD: The Super Gap & Inequalities in the Workplace

Transcript

IWD: The Super Gap & Inequalities in the Workplace · She's On The Money

0:00
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor
0:04
Speaker 1: the Order Kerni Wholbury and a waddery woman. And before
0:08
Speaker 1: we get started on She's on the Money podcast, I
0:11
Speaker 1: would like to acknowledge the traditional custodians of the land
0:14
Speaker 1: of which this podcast is recorded on a wondery country,
0:18
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
0:22
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
0:27
Speaker 1: and the storytelling of you to make a difference for
0:30
Speaker 1: today and lasting impactful tomorrow.
0:33
Speaker 2: Let's get into it.
0:34
Speaker 3: She's on the Money, She's on the Money. Hello, and
0:58
Speaker 3: welcome to She's on the Money podcast that makes personal finance.
1:01
Speaker 2: Fun, especially on Fridays.
1:04
Speaker 3: It is our favorite day of the week because we
1:06
Speaker 3: get our team together and celebrate obviously you the incredible
1:10
Speaker 3: shees on the Money community and International Women's Day with
1:13
Speaker 3: Miss j who oh yay for you, I said, miss
1:21
Speaker 3: and You're like yay.
1:25
Speaker 2: I just really love like the money wins I share.
1:30
Speaker 3: I do too, and I adore International Women's Day and
1:33
Speaker 3: Beck You've obviously always got some breake tips for USS
1:36
Speaker 3: is my favorite to record of the week because it
1:38
Speaker 3: always goes nowhere that it was meant to.
1:41
Speaker 2: It's obviously not scripted.
1:43
Speaker 3: We just go I know the roles here, I know
1:46
Speaker 3: what I have to bring. Jess, you have to bring
1:48
Speaker 3: the money. Wins Beck, you have to bring the breake tips.
1:50
Speaker 3: Anything that happens in and there about like not our responsibility, Luly.
1:54
Speaker 4: We wipe our hands.
1:55
Speaker 2: Yeah exactly.
1:55
Speaker 3: It's like when you straighten your hair back of my head,
1:58
Speaker 3: not my responsibility.
2:00
Speaker 2: I don't care what she's doing.
2:02
Speaker 3: But moving on from that, we also are going to
2:04
Speaker 3: be helping to answer aducing money dilemma this week. We're
2:07
Speaker 3: going to be talking about whether you need to bother
2:10
Speaker 3: super splitting if you plan on retiring together anyway, and
2:13
Speaker 3: something is slid into our dms about experiencing the motherhood
2:17
Speaker 3: penalty at work. Feel like that one's a good one
2:21
Speaker 3: because I'm starting to feel that but you two are
2:24
Speaker 3: probably not going to relate, but you're like, oh, we
2:26
Speaker 3: know that it exists. Oh yeah, so I think it'd
2:28
Speaker 3: be an interesting conversation before we get there.
2:31
Speaker 2: Guys, would you like a five star review?
2:34
Speaker 3: Yeah? Sultly, So I'm gonna laugh a little bit. This
2:39
Speaker 3: is from Maya and Miya gave us a five star review,
2:42
Speaker 3: which is really really nice, but she gave it to
2:44
Speaker 3: us on Google.
2:46
Speaker 2: Honestly, whatever I can get.
2:48
Speaker 3: At this point, Mia says five stars not to sound dramatic,
2:52
Speaker 3: but that she's on the money podcast has transformed the
2:55
Speaker 3: way I think and act with money. I used to
2:57
Speaker 3: literally spend every last cent in my bank account for
3:00
Speaker 3: no good reason. Now I have an emergency fund, savings investments,
3:04
Speaker 3: and I have dedicated bank accounts, meaning I don't have
3:07
Speaker 3: the stress of whether I can pay for things or not.
3:09
Speaker 2: I just know.
3:10
Speaker 3: I'm so fortunate to have found this podcast, especially when
3:13
Speaker 3: I was transitioning into full time work from UNI.
3:16
Speaker 2: It was the best time.
3:18
Speaker 3: The podcast are super entertaining and engaging and so much
3:21
Speaker 3: fun to listen to on my commute to work and home.
3:24
Speaker 3: I feel like I have friends in my car with me.
3:26
Speaker 2: Lol. Love you guys.
3:27
Speaker 4: Oh my god, that is so nice to me.
3:30
Speaker 2: Oh thank you.
3:30
Speaker 4: I'm so sweet stoked for her.
3:32
Speaker 2: That is so good.
3:33
Speaker 3: Like the idea, she didn't just like leave a podcast
3:35
Speaker 3: review while listening. She literally sought us out googled us
3:39
Speaker 3: to try and leave a review. She would have had
3:41
Speaker 3: to make sure she was logged in to do that.
3:43
Speaker 2: Like that, it is so cute. I love that.
3:45
Speaker 3: It makes me feel so special that you guys really
3:48
Speaker 3: value what we do because obviously we put a lot
3:50
Speaker 3: of energy into it, but like that doesn't mean that
3:53
Speaker 3: other people see that or impacted by it. So it's
3:56
Speaker 3: just so nice. Now I want to know, are were weeks?
4:01
Speaker 3: What's been going on International Women's Day? Have you made cupcakes?
4:06
Speaker 3: Have you decorated your house like I would fully expect
4:08
Speaker 3: from What do you color.
4:13
Speaker 2: The symbolic thing? Do you know what I mean?
4:16
Speaker 4: And sorry if t am I, but I like to
4:19
Speaker 4: paint and collect labia manora madura literal hood so shaped,
4:25
Speaker 4: things so shaped. Sorry that.
4:30
Speaker 3: You did not give enough information you were like I
4:32
Speaker 3: like to collect baby is I mean?
4:35
Speaker 2: More power to you and you know not.
4:37
Speaker 4: Using the soaps just absolutely and they're quite ergonomic. But
4:42
Speaker 4: I do want to say also, I know that they're
4:44
Speaker 4: not everyone who identifies as a woman or who's celebrating
4:47
Speaker 4: International Women's Day have those that anatomy. But those things,
4:51
Speaker 4: I just think they're just quite beautiful when you look
4:53
Speaker 4: at them with an artistic lens.
4:55
Speaker 2: A beautiful thing to.
4:56
Speaker 4: Look totally so that's my on International Women's say yet.
5:04
Speaker 2: Collect soap? Who would have known that that's what was
5:06
Speaker 2: going to come up?
5:07
Speaker 1: Yeah?
5:08
Speaker 2: But I love it. But then now are you surprised? No,
5:11
Speaker 2: it makes perfect sense.
5:13
Speaker 3: Absolutely not we get it. I respect it. That's Callbeck.
5:16
Speaker 2: Thank you. I like that you think it's ergonomic.
5:21
Speaker 4: Yes, I can't say too much, all right, no worries.
5:27
Speaker 2: I love that for you.
5:28
Speaker 3: I also really love that you've called out that not
5:30
Speaker 3: absolutely everybody who's going to be celebrating International Women's Day
5:34
Speaker 3: is going to identify in a particular way, and I
5:35
Speaker 3: can't love that, Like absolutely, it's actually about just trying
5:39
Speaker 3: to celebrate the contributions that women have, focus on how
5:44
Speaker 3: we can make that better and like just really push forward.
5:47
Speaker 3: And I just think that that's a really beautiful way
5:49
Speaker 3: of doing it. So thank you for adding that for us.
5:52
Speaker 3: What are you doing in the office? What are you
5:54
Speaker 3: up to, Beck, apart from collecting Labia shaped soaps?
5:57
Speaker 4: Well, I well, my week's been actual, really really fun.
6:00
Speaker 4: So you know how I have like a new hobby
6:02
Speaker 4: every single week, Well, this one is too, yes, and
6:05
Speaker 4: Libia's and also stick and pokes and so to celebrate
6:09
Speaker 4: did you get anyone I have what's.
6:10
Speaker 2: A stick and poke?
6:11
Speaker 4: I totally ravished my legs? Is that the right word?
6:14
Speaker 5: Oh?
6:15
Speaker 3: I did notice that there were a few new things
6:17
Speaker 3: that I hadn't seen.
6:18
Speaker 2: Things you can tell.
6:20
Speaker 3: I can tell you've done it, and I saw you
6:22
Speaker 3: on Instagram. I'm like, girlfriend, are you giving your friend
6:24
Speaker 3: a tattoo at home? We could not be more different.
6:30
Speaker 2: I'm well, that's it.
6:31
Speaker 4: And also where you can see, like, there's shaved bits
6:34
Speaker 4: of my leg and that's where my tattoos are on there.
6:36
Speaker 4: I'm adding every single person that I love on my
6:38
Speaker 4: leg and so sweet ten names right now, and I'm.
6:41
Speaker 2: Going to add you guys. No, you're not as.
6:47
Speaker 6: Like.
6:47
Speaker 2: Don't get me wrong. I think that we like all
6:49
Speaker 2: on the same page.
6:51
Speaker 3: Hey, would you guys like to come over for a
6:52
Speaker 3: craft afternoon at my house?
6:54
Speaker 2: Both of you be like, heck, yeah, Beck's bringing her
6:56
Speaker 2: tattoo gun. You're bringing your blue gun. Yeah, exactly.
7:02
Speaker 3: When they say there are two kinds of people in
7:03
Speaker 3: this world, that's all I want to talk about.
7:06
Speaker 2: Oh, absolutely, and.
7:07
Speaker 4: We come together, so well, don't we comping me.
7:10
Speaker 2: With that tattoo gun?
7:11
Speaker 6: They look great though. You did a good job.
7:13
Speaker 2: Thank you. So much.
7:14
Speaker 4: I was going to come for you two next but
7:16
Speaker 4: I see you probably don't want a stick and poke tattoo.
7:18
Speaker 4: It's also very painful and very slow.
7:20
Speaker 2: Pros about it, but I say that's probably not my journey.
7:23
Speaker 2: But I'm not gonna lie. I would loved what you
7:26
Speaker 2: do want.
7:27
Speaker 6: Is my favorite, like one of my favorite styles artistically,
7:30
Speaker 6: Like I don't have tattoos. I don't think I get
7:32
Speaker 6: a tattoo, but I love how they look. Yes, so unique.
7:35
Speaker 2: Yes, I totally agree.
7:36
Speaker 4: Thank you, Jessica Ricky.
7:38
Speaker 3: I didn't even know that was a thing until right now,
7:40
Speaker 3: so I'm not even going to pretend to have any
7:43
Speaker 3: level of.
7:43
Speaker 2: Education on that.
7:44
Speaker 3: But thank you for involving me in the conversation. But
7:46
Speaker 3: what about you, guys, how's your week's been?
7:48
Speaker 5: Oh?
7:48
Speaker 3: I live, love, laugh like I've just been working my
7:51
Speaker 3: life away. You're a powerful woman, and I appreciate you.
7:54
Speaker 3: I really dave days. I really adore that you see
7:57
Speaker 3: it that way, because I've cried it this week out
8:00
Speaker 3: in the nicest possible way, just like work is overwhelming.
8:03
Speaker 3: There's just so much going on, and I think it
8:06
Speaker 3: would be a miss of me not to mention that
8:07
Speaker 3: and be like, oh yeah, like it's always good.
8:09
Speaker 2: It's always good.
8:10
Speaker 3: Like it's just sometimes being a woman in business is
8:13
Speaker 3: bloody hard, and you know what, that's okay, Still grateful
8:16
Speaker 3: to be here, still so excited about all of it. Like, guys,
8:20
Speaker 3: I still don't know what I'm doing. Most of the time.
8:22
Speaker 3: I've just been making it up.
8:24
Speaker 2: I am just a baby. But it turns out when
8:26
Speaker 2: you're the boss, no one's going to come in and
8:28
Speaker 2: be like, oh, we can fix it. Like this, honey,
8:29
Speaker 2: I've got to come up with my own solutions. What
8:32
Speaker 2: do you mean, where's my boss? Had supervision? Sometimes I
8:38
Speaker 2: do call Jess. I'm like, help me.
8:40
Speaker 6: It's just fun, can't which is we're just doing our best.
8:43
Speaker 2: That's okay, we're just making up and that is so fun.
8:46
Speaker 3: But it's been good, and it's probably been the perfect
8:49
Speaker 3: week for it, because you know, being International Women's Day.
8:52
Speaker 2: I think sometimes we're always like.
8:53
Speaker 3: Yay, like let's celebrate and have some cupcakes, but like,
8:57
Speaker 3: let's also celebrate that I kept a one year old alive,
9:01
Speaker 3: still maintained a house and ran two businesses and not
9:05
Speaker 3: into the ground, like amazing. Love that that's incredible. Yes,
9:08
Speaker 3: Sleigh and all the things that they're doing are just incredible.
9:11
Speaker 3: I love women, matter what it looks like.
9:13
Speaker 6: I think that they genuinely women make the world go around.
9:17
Speaker 6: I don't care what anybody says.
9:18
Speaker 3: That's the truth. Yeah, no, yeah, I agree, it is
9:21
Speaker 3: all right. Let's get further into the episode. Mis just
9:24
Speaker 3: a gritchi from the women in our community. What money,
9:27
Speaker 3: wins and confessions you're bringing to the.
9:28
Speaker 2: Table, alrighty.
9:29
Speaker 6: Firstly this week, I've got a win from Teleo, who
9:32
Speaker 6: said she was lucky enough to receive two scholarships for
9:34
Speaker 6: her court who which equates to just over sixty thousand dollars.
9:40
Speaker 2: What wow, crazy.
9:42
Speaker 6: She used doing incredible things. Congratulations, Yeahdia. Next, an equally
9:46
Speaker 6: exciting win from Ebony, who said she remembered to ship
9:49
Speaker 6: back the clothes she bought online within the refund period.
9:52
Speaker 6: Oh great, you love to see it. There's nothing worse
9:55
Speaker 6: than going to return something and realizing you missed it
9:57
Speaker 6: by a day or two. So thrilled with that. Next,
10:00
Speaker 6: I've got a money win from Rachel, who has taken
10:02
Speaker 6: a leave out of your book Back she said, the
10:04
Speaker 6: door handle on my car snapped off, and I was
10:07
Speaker 6: quoted just over five hundred dollars to replace it.
10:09
Speaker 2: Heck no. Instead, I bought.
10:11
Speaker 6: The replacement part brand you have eBay for twenty six
10:14
Speaker 6: dollars fifty including the shipping, and I installed it myself
10:17
Speaker 6: after watching YouTube videos showing me how it was a
10:20
Speaker 6: super easy fix and I saved myself so much money.
10:23
Speaker 4: Yes and icon ye so happy about that.
10:26
Speaker 6: One. My boyfriend's door handle was actually broken off on
10:29
Speaker 6: the inside of his cart. Maybe I should see if
10:30
Speaker 6: I can fix it absolutely like girl power. Next, I've
10:33
Speaker 6: got a money in from Taylor who said she ordered
10:35
Speaker 6: some wine glasses for her sister in law's at Hen's party.
10:38
Speaker 6: She got them online Click and Collect. They were four
10:40
Speaker 6: dollars for a pack of four. So not only did
10:42
Speaker 6: she get sixteen glasses for sixteen dollars, but then she
10:45
Speaker 6: went in store to pick them up and she saw
10:47
Speaker 6: they were still full price for ten bucks back.
10:49
Speaker 2: What money, my wors.
10:51
Speaker 6: I'm glad you click and Collect did the purchase in store.
10:53
Speaker 2: I'm glad you had a glass money win.
10:54
Speaker 3: On the weekend, we celebrated my son's first birthday and
10:57
Speaker 3: they ordered all of this, like cups and plates and
11:00
Speaker 3: balls and stuff. And it came on Monday, instead of
11:02
Speaker 3: on the Saturday for Friday, and I'd paid for express,
11:05
Speaker 3: so I was like, cool, now I have all this
11:07
Speaker 3: party stuff I'm never going to use. No, I actually
11:10
Speaker 3: put it in the cupboard because like, I know that
11:13
Speaker 3: I'll use it in the future.
11:14
Speaker 2: It's like just plain. But that's like the worst for mine.
11:17
Speaker 2: But it's alway I.
11:18
Speaker 3: Had to go to Kohl's and purchase like all this
11:21
Speaker 3: other stuff. Anyway, not the worst, but that was the
11:23
Speaker 3: money lost from me definitely. Next, I've got money in
11:26
Speaker 3: from Christy who said she discovered that her private health
11:29
Speaker 3: insurance has coverage for swimming lessons.
11:31
Speaker 2: For her kids.
11:32
Speaker 6: Great. Would never use me about that, but I was like,
11:35
Speaker 6: I have to read that out, so everyone who's got
11:37
Speaker 6: kids and insurance or obsessed. Christie said she's with HCF
11:43
Speaker 6: if that's helpful to anybody.
11:44
Speaker 2: Great.
11:45
Speaker 6: And then lastly this week, I've got a money win
11:47
Speaker 6: from Anna, who said money win. I educated myself on
11:50
Speaker 6: how to do a proper tax return, understanding what I
11:53
Speaker 6: can deduct and things like that, and I managed to
11:55
Speaker 6: reduce my taxable income enough to be eligible for government
11:58
Speaker 6: paid parental leave.
12:00
Speaker 2: Excuse me, that is iconic, Queen. I love that How
12:04
Speaker 2: cool is that? I have really good? Well done?
12:06
Speaker 6: Everybody, well done? Everyone is so good. Beck, some tips?
12:10
Speaker 6: How are you gonna follow Jess this week?
12:13
Speaker 4: Actually it's quite hard after that.
12:15
Speaker 2: That's okay, we'll pretend that didn't happen. What have you got? Okay?
12:19
Speaker 4: So first one comes from Holly who says this actually
12:22
Speaker 4: came at a very timely time. You say that I
12:27
Speaker 4: was making ramen, and then Holly messaged me same night
12:29
Speaker 4: night of and said, when you're cooking and needs stock,
12:32
Speaker 4: buy stock cubes. There's so much better value for money.
12:35
Speaker 4: You can buy one leader of pre made stock for
12:37
Speaker 4: around a dollar eighty at Aldi's a pack of twenty
12:39
Speaker 4: one of the stock cubes for the same price, which
12:42
Speaker 4: makes twenty one cups of stock five point two five liters.
12:46
Speaker 2: Hey, that's a good deal. She's done the matter.
12:48
Speaker 6: Less quickly too. I imagine, yes, exactly. The thing probably
12:52
Speaker 6: expire totally. I mean, I'm sure the cubes do too,
12:55
Speaker 6: but yeah, open, yeah.
12:57
Speaker 3: Look, I'm not gonna lie. I'm not like a liquid
12:59
Speaker 3: stock early. I just can't justify it. I have a
13:02
Speaker 3: tin of the massell.
13:03
Speaker 2: I love Masada.
13:04
Speaker 3: Yeah, in my pantry, and that's what we're using I
13:07
Speaker 3: don't care if it says bone broth that means stock. Yeah,
13:11
Speaker 3: bone bro I said stock at this point, I do
13:15
Speaker 3: because I watched a lot of tiktoks on it, and yes,
13:17
Speaker 3: there are multiple health benefits. But when I realized that
13:20
Speaker 3: purchasing bone broth is like fourteen dollars.
13:22
Speaker 2: I was like, I don't even want those benefits. That's
13:24
Speaker 2: all good?
13:25
Speaker 3: Yeah, oh yeah yeah, And I don't have like people
13:29
Speaker 3: will message me and just need to disclaim it and
13:31
Speaker 3: be like you can make your own. It's so cheap,
13:32
Speaker 3: and like it totally is because you get old soup
13:34
Speaker 3: bones to make bone broth. I don't have the time
13:37
Speaker 3: or the energy or the commitment. No, maybe one day,
13:41
Speaker 3: maybe one day I'll do it. Yeah, I feel like
13:43
Speaker 3: I'll be that person one day. I feel like we
13:44
Speaker 3: all be that person one day. Yeah.
13:45
Speaker 4: Sourdough at home and that also just really quickly, I
13:50
Speaker 4: want to say that lust. I don't actually remember when
13:53
Speaker 4: I said this, but I know that one of my
13:54
Speaker 4: Brock tips was that I keep my car and fifth
13:57
Speaker 4: kid where possible. But someone that you that was terrible
14:01
Speaker 4: kindly let me know. I believe Jazz is their name.
14:04
Speaker 4: Very kindly let me know that it is actually quite
14:07
Speaker 4: bad for the car and actually may also use more petrol.
14:11
Speaker 4: So don't do that, please, actually that Yes, so I'd
14:17
Speaker 4: like to take that back, and I'm so sorry to
14:18
Speaker 4: anyone who listened to that has.
14:19
Speaker 2: Been to stop doing that. Stop doing that right now
14:22
Speaker 2: where I.
14:22
Speaker 4: Had now, I would maybe kindly ask you to don't
14:25
Speaker 4: do that.
14:26
Speaker 1: All right?
14:27
Speaker 2: What else if you go? Next one comes from.
14:28
Speaker 4: Phoebe, who says she found a little savings sack that
14:32
Speaker 4: she accidentally discovered. Usually she buys the free filled debt
14:36
Speaker 4: L foaming hand soap. Usually one leater bottle is about
14:38
Speaker 4: four refills for the foaming soap. Stay with me, here's
14:41
Speaker 4: a few numbers. I accidentally purchased the regular non foaming,
14:45
Speaker 4: which is too viscous for the foaming dispenser. However, if
14:48
Speaker 4: you water it down to the ratio of one to five,
14:50
Speaker 4: which I believe is one part soap five parts water,
14:56
Speaker 4: it works perfectly fine. So instead of paying raugh flee
15:00
Speaker 4: two dollars sixty for twenty fifty mil, it's sixty cents.
15:04
Speaker 3: Oh she's smart, she's worked it out, Yes, and a
15:06
Speaker 3: game the system. She also said it's often half priced.
15:09
Speaker 2: There's a lot of soap conversation going on, a.
15:11
Speaker 4: Lot of soap conversations. Basically, when it's half priced, it's
15:15
Speaker 4: tho cents for That's so cool because I could.
15:17
Speaker 6: Only really lack foamy soap.
15:19
Speaker 4: But it's so much for.
15:20
Speaker 2: Me too normal.
15:22
Speaker 3: We are all just refilling our ASoP bottles at home,
15:25
Speaker 3: right like with Harliff.
15:27
Speaker 6: If I had an a bottle, I absolutely I know.
15:31
Speaker 1: Bottle.
15:31
Speaker 3: One time I got it as a present, people like
15:34
Speaker 3: I appreciated it so much. Someone for our engagement party
15:37
Speaker 3: gave me the ASoP hand cream and the soap together,
15:41
Speaker 3: and I remember my husband so like, he didn't get it.
15:43
Speaker 2: He's not a girl's girl. He was like, someone brought us.
15:46
Speaker 3: Soap for our birth for our engagement and I was like, Steve,
15:51
Speaker 3: that's literally one of the things I'm most excited about.
15:54
Speaker 3: And for our wedding one of my favorite presents, guys,
15:57
Speaker 3: I got a giant dip teak candle gorgeous. Like no,
16:01
Speaker 3: it's just this big candle in a ceramic part. You
16:04
Speaker 3: can get them at Mecca. They are so expensive. I
16:07
Speaker 3: would never purchase it, but it's now my prize possession
16:10
Speaker 3: and maybe like a year ago, I had an argument
16:14
Speaker 3: with my husband because he tried to light it. No
16:17
Speaker 3: oh those Oh no, that looks functional, sir, touch it,
16:23
Speaker 3: don't even ask what happens. Imagine if he'd actually lit it,
16:28
Speaker 3: would hands thrown? Absolutely not anyway, thank you for coming
16:33
Speaker 3: to my ted talk about that. But yeah, I am
16:35
Speaker 3: definitely refilling my pump dispenser with pamel if it's just
16:40
Speaker 3: live love laugh.
16:41
Speaker 2: I'm sorryutely, I really no.
16:43
Speaker 4: I love that this next one comes for myself obviously.
16:46
Speaker 4: Oh good, I found I happened upon this thing called
16:50
Speaker 4: first table.
16:51
Speaker 3: Oh yes, we've talked about first table before, but this
16:54
Speaker 3: is a very good broke tip. Did I no, no, no, okay,
16:58
Speaker 3: Jess and I have spoken about it years ago, so time,
17:00
Speaker 3: my god go back.
17:01
Speaker 2: That is crazy.
17:02
Speaker 4: I thought it was a new thing because also.
17:04
Speaker 2: What's first table?
17:05
Speaker 4: Oh sorry, okay, So I believe you can either use
17:08
Speaker 4: an Apple, you can go on your on just like
17:10
Speaker 4: any standard website and just type in first table and
17:13
Speaker 4: you'll have a look and there's like restaurants on there.
17:15
Speaker 4: Thinking it was new, I was like, it's not gonna
17:16
Speaker 4: be anything on it. But I was like, I'll go
17:18
Speaker 4: to Bruns. We can see what's up. There's so many
17:20
Speaker 4: restaurants that are offering first and last table, looking do
17:25
Speaker 4: the last one. You can also do last one only
17:27
Speaker 4: for some that must be new. Yeah, I think it's
17:30
Speaker 4: a new thing. So it's like, you know, you're four
17:31
Speaker 4: pms five pms of the world. Yeah, and you're eight
17:33
Speaker 4: pms of the world. Those two slots are fifty percent off.
17:37
Speaker 2: So that such a good deal.
17:39
Speaker 3: You can have a date on a budget at a
17:41
Speaker 3: restaurant that maybe was out of budget. Yes, eat dinner
17:44
Speaker 3: at five pm, home by like seven thirty. I agree
17:47
Speaker 3: in normal, iay with my book. I agree. It's actually
17:51
Speaker 3: a dream, and like that's not even mum in me.
17:53
Speaker 3: That's literally me being like, say less, Jessica, you're saying
17:57
Speaker 3: that we're home by seven thirty. I'm in bed like
18:00
Speaker 3: tucked up with my tiktoks at eight thirty.
18:02
Speaker 2: Oh, I know, I wanted to dream.
18:04
Speaker 4: The eating dinner late thing. I just don't get every
18:07
Speaker 4: and done with basically, but yes, you can do that,
18:09
Speaker 4: and so your dinner will be fifty percent off, So
18:12
Speaker 4: just jump on have a look, adore. Yeah, I love
18:15
Speaker 4: that and such a good idea.
18:16
Speaker 3: I feel like we eat dinner really late in my
18:18
Speaker 3: house and the reason is just because we're working. Yeah,
18:21
Speaker 3: that's like I get home at like six pm, my
18:24
Speaker 3: husband doesn't get home till after that. I've got a
18:26
Speaker 3: ratty baby, who's you know, needing bed, bath book like
18:30
Speaker 3: all of that, and you just go, we aren't eating
18:33
Speaker 3: till eight thirty.
18:35
Speaker 2: I need to get I need to get better at it.
18:37
Speaker 3: But yeah, maybe if we had lost stable, everything would
18:40
Speaker 3: be solved exactly. All right, guys, let's go to a
18:42
Speaker 3: really quick break because on the flip side, I want
18:45
Speaker 3: to dive into whether you should be super splitting if
18:48
Speaker 3: you're planning or retiring together anyway, like why would you bother?
18:52
Speaker 3: And something that just slid into our DMS about this week,
18:55
Speaker 3: we are talking about experiencing the motherhood penalty at work.
18:58
Speaker 2: So don't go anywhere. Welcome back, everybody.
19:04
Speaker 4: Let's take a listen to this week's money dilemma.
19:08
Speaker 3: Hi, there, have you got a money dilemma you just
19:11
Speaker 3: can't solve that. She's on the Money Team is here
19:13
Speaker 3: to help. Every week we tackle your dilemmas, both big
19:17
Speaker 3: and small, to answer your most burning money, career and
19:19
Speaker 3: life questions. To get involved, simply head to our website
19:23
Speaker 3: and leave us a short voice recording, and you might
19:25
Speaker 3: just find yourself on the show. Now, let's take a
19:27
Speaker 3: listen to this week's money dilemma.
19:31
Speaker 2: Hey, she's on the money.
19:33
Speaker 5: I just want to start by saying I've learned so
19:35
Speaker 5: much from the podcast, so thank you very much.
19:38
Speaker 2: Now I'm at the age.
19:39
Speaker 5: Where a lot of my female friends are taking career
19:41
Speaker 5: breaks to have kids, so I try and bring up
19:45
Speaker 5: what I've learned from the podcast about super splitting. But
19:48
Speaker 5: the main thing I'm hearing from people is, Oh, we're
19:51
Speaker 5: retiring together, so it really doesn't matter. I'd love to
19:55
Speaker 5: hear what you think about this way of thinking, because
19:59
Speaker 5: it seems to be like, really really common, and how
20:02
Speaker 5: do I get people to see that it actually does matter.
20:05
Speaker 5: Thanks so much.
20:07
Speaker 2: I feel like that was a good one. That's a
20:09
Speaker 2: good one.
20:09
Speaker 3: It was just throw you guys straight in the ring back, Jess,
20:12
Speaker 3: what do you reckon?
20:13
Speaker 4: I just think you never know what's going to happen.
20:17
Speaker 4: I understand that that's the goal when you enter into
20:21
Speaker 4: a life. An ideally lifelong partnership is that you will
20:25
Speaker 4: be together for the rest of your life. But anything
20:28
Speaker 4: it happened, and you could maybe you'll you know, Touch
20:31
Speaker 4: would either fall out of love, but nothing actually bad happens.
20:34
Speaker 4: You just like you both kind of go your separate ways,
20:36
Speaker 4: or someone doesn't mean bad or whatever. Like, there's so
20:38
Speaker 4: many things that could go wrong if you just hope
20:41
Speaker 4: and kind of rely on the I guess the fact
20:45
Speaker 4: that you might retire together.
20:46
Speaker 2: And so I think that, like.
20:48
Speaker 4: Life is long, you guys, the person who's speaking kind
20:51
Speaker 4: of sounds quite young. So I'm like, you and your
20:54
Speaker 4: friends probably have like forty years left of working before
20:59
Speaker 4: you tied together, and in that time, anything can happen,
21:03
Speaker 4: and you might get to a point. It's basically just like,
21:06
Speaker 4: if you get to a point where you are ready
21:09
Speaker 4: to retire and you're actually single for whatever reason, Touch
21:15
Speaker 4: would and you have nothing in your super or significantly
21:19
Speaker 4: less than what you could have had if you had
21:22
Speaker 4: split your super or whatever. I just I just think
21:25
Speaker 4: it's quite risky. It's too risky to not be doing that.
21:30
Speaker 4: And yeah, I mean as a pessimist by nature, Actually
21:35
Speaker 4: I don't know.
21:35
Speaker 2: If I am.
21:37
Speaker 3: Divorced back, yes, and the other fifty percent ended death, yes.
21:41
Speaker 2: And then and then the.
21:42
Speaker 4: Other alternative is that you are financially dependent on this person.
21:46
Speaker 4: You're like, no, I have to retire with this person
21:47
Speaker 4: because I unfortunately don't have enough of my SUPER. And
21:49
Speaker 4: so you're just for the remainder of your working years
21:52
Speaker 4: or the remainder of your you know, from retirement and
21:55
Speaker 4: beyond miserable. So you're either miserable, or you're still together, happy,
22:00
Speaker 4: or you're single. And I just think there's there there
22:04
Speaker 4: are a few different options, few different ways because this
22:06
Speaker 4: could play out. It's just way too risky, Yeah, to
22:09
Speaker 4: be relying on that totally. Just yeah, same page. I
22:13
Speaker 4: was just going to quickly define, maybe for anyone who
22:15
Speaker 4: didn't know. Super splitting is just the concept that if
22:18
Speaker 4: one partner stops working for a period of time or
22:20
Speaker 4: for the remainder of you know, their working days, rather
22:24
Speaker 4: than continuing to contribute to SUPER, which is something that
22:26
Speaker 4: we've kind of suggested historically, they rely on the fact that,
22:30
Speaker 4: you know, their partner will have access to their SUPER at.
22:33
Speaker 2: Sixty sixty five still yep, sixty.
22:35
Speaker 6: Five sixty five, and then they'll both live off of
22:37
Speaker 6: their partners super, which is problematic exactly as you were saying, Beck,
22:40
Speaker 6: because you know, you are not guaranteed anything over the
22:43
Speaker 6: course of however, many years, I think it probably just
22:46
Speaker 6: puts women disproportionately on the back foot. Yeah, particularly because
22:49
Speaker 6: women primarily statistically are the primary caregiver. It impacts, I
22:54
Speaker 6: would argue, more women than men. And I just don't
22:57
Speaker 6: like that it makes you reliant on somebody else. I
23:00
Speaker 6: have a friend whose grandparents got divorced at the age
23:05
Speaker 6: of black, maybe seventy. I don't actually know this specific day,
23:08
Speaker 6: but they were all they got divorced, and then they're
23:11
Speaker 6: dating other people now and if, oh my goodness, and
23:13
Speaker 6: you love I love to see it for the happy Yes,
23:17
Speaker 6: the dating tea is piping hot. But as I need
23:21
Speaker 6: to be added to this great chat immediately I said
23:24
Speaker 6: to it's really not. It's still you got you know
23:26
Speaker 6: what I mean, twenty five percent of your life hopefully
23:28
Speaker 6: left after that. I just don't like the idea of
23:30
Speaker 6: anyone having to stay in a situation because they're relying
23:34
Speaker 6: on somebody else, regardless of if it's super or something different.
23:38
Speaker 6: It gives me a little bit of the hebgbis makes.
23:40
Speaker 2: Me nervous totally. I am in agreeance with that.
23:42
Speaker 3: I think that all of those points we've made on
23:44
Speaker 3: the podcast before, but also is really important to bring
23:48
Speaker 3: up today. But then what I'm going to focus on
23:51
Speaker 3: is why should you do it? Even if you're retiring together.
23:54
Speaker 3: So let's pretend like you have lived, loved, laughed, and
23:58
Speaker 3: you are genuinely retiring together. There are benefits to doing so.
24:02
Speaker 3: So there are you know, tax benefits, so there are
24:06
Speaker 3: superanuation contribution caps. This is relatively unrelatable because the contribution
24:11
Speaker 3: cap for twenty three twenty four is actually one point
24:14
Speaker 3: nine million dollars and we know that not that many
24:17
Speaker 3: people actually have that amount in SUPER. But hypothetically, as
24:21
Speaker 3: a benefit, if you were getting close to that cap,
24:23
Speaker 3: you could transfer some of your SUPER to your partner's
24:26
Speaker 3: account so that you could continue to contribute to SUPER,
24:29
Speaker 3: which is very attractive. If you're dating an older person,
24:34
Speaker 3: what if they're older than you, you can transfer your
24:37
Speaker 3: SUPER to them to be able to access it early
24:39
Speaker 3: if you're planning on retiring early. That is often a
24:43
Speaker 3: strategy that is used. Because you were saying before Jess like,
24:46
Speaker 3: you can't access your superanuation until you are sixty five,
24:50
Speaker 3: and that's what's called a preservation age, and that's the
24:53
Speaker 3: age at which you can access your SUPER without any
24:55
Speaker 3: additional tax like implications, so you know, if you do
25:00
Speaker 3: it before, you can still access it, Like you could
25:02
Speaker 3: retire early at sixty, you're just paying a bit of
25:04
Speaker 3: tax to access that earlier, and that's not very sexy.
25:08
Speaker 3: So by using your partner's superanuation account and their preservation age,
25:13
Speaker 3: you could potentially access it earlier, and it might be
25:16
Speaker 3: useful if you guys want to retire a bit earlier,
25:20
Speaker 3: but you're a bit too young nice for some Obviously
25:24
Speaker 3: centlling benefits. So if you're eligible for the age pension,
25:28
Speaker 3: like super held by a partner under the age pension
25:31
Speaker 3: age is actually not counted as an asset because you
25:35
Speaker 3: can't access it. So like if you are both sixty five,
25:39
Speaker 3: they are going to take into consideration both of your supers,
25:42
Speaker 3: but if your partner is sixty, she can't access it
25:45
Speaker 3: or he can't access it. So if you wanted to
25:49
Speaker 3: make a cent link strategy, you could do so by
25:53
Speaker 3: working with a financial advisor to make sure that you're
25:55
Speaker 3: getting the full benefit of the aged pension. Obviously, by
25:58
Speaker 3: shifting your super younger partner, you might increase eligibility payments
26:03
Speaker 3: for the like for pension, but I think it's important
26:06
Speaker 3: to realize that, Like, obviously, if you're flushed with cash,
26:09
Speaker 3: doesn't matter how much you move, Like you're not going
26:11
Speaker 3: to get the age pension for free. Like we're talking
26:14
Speaker 3: about making the most of a situation because you're operating
26:17
Speaker 3: as a partner and essentially you're using two accounts but
26:20
Speaker 3: as a couple you have X and then maximizing contributions.
26:25
Speaker 3: So obviously by splitting contributions, you might actually increase how
26:29
Speaker 3: many non concessional contributions you can make, which is again sexy.
26:32
Speaker 3: But I won't keep going on because those are mainly
26:34
Speaker 3: tax questions. So if you're planning on doing that, talk
26:37
Speaker 3: to an account or talk to your financial advisor, because
26:39
Speaker 3: those are things that are probably a little bit more complex.
26:42
Speaker 3: Like these are just coming from financial or ex financial
26:45
Speaker 3: advisor Victoria. That's like, oh yeah, like I get the question,
26:48
Speaker 3: and like your response, Beck was perfect and so was yours.
26:51
Speaker 3: Just but like, from a pragmatic point of view, why
26:54
Speaker 3: would you do it? There are actually some tax benefits,
26:56
Speaker 3: pension benefits. Talking about centling not as sexy really important
27:01
Speaker 3: to understand.
27:02
Speaker 4: Yes, yes, and just I'm so sorry. One last thing,
27:04
Speaker 4: if you are going to tell your friends maybe to
27:07
Speaker 4: ask their partners. This is really really good to know,
27:10
Speaker 4: might be telling of their actual like how they maybe
27:14
Speaker 4: come to I don't.
27:16
Speaker 2: Know, but this could be a red flag.
27:17
Speaker 4: So tell your friends to just ask their partners and
27:20
Speaker 4: if their partner's like, no way would they do? That
27:22
Speaker 4: might be symptomatic of something bigger. Why are they not
27:26
Speaker 4: open to that? Have they not come into this agreement
27:29
Speaker 4: to have a child together? Do they just not think
27:31
Speaker 4: that women been financially independent is important? It opens up
27:35
Speaker 4: a whole other conversation. So tell them to just ask
27:38
Speaker 4: them anyway and see what their response is about splinting
27:40
Speaker 4: it or about making contribution? Yeah, splitting sorry, I should say,
27:44
Speaker 4: always a good conversation. It's a good conversation to have,
27:46
Speaker 4: and it might be it might show sides that you
27:48
Speaker 4: didn't know. Were there?
27:49
Speaker 2: No love? All right? Do you want to get into
27:51
Speaker 2: the DM we got this week? Guys? Yeah? You ready? Okay?
27:56
Speaker 3: Hi, she's on the money. What do you think about this?
27:59
Speaker 3: After my first babe, work was fine. I came back
28:02
Speaker 3: picked up where I left off and it was all good.
28:04
Speaker 3: But now after baby number two, it's a different story.
28:07
Speaker 3: I was leading big projects in line for a promotion
28:10
Speaker 3: and on track. But since I got back, it's like
28:12
Speaker 3: I don't exist. My role's been in quotation marks adjusted,
28:17
Speaker 3: aka all the boring admin no one wants to do.
28:20
Speaker 2: And my boss actually said they didn't.
28:22
Speaker 3: Want to overwhelm me now that I have two kids.
28:24
Speaker 3: What Meanwhile, my male colleagues, some who also just had babies,
28:29
Speaker 3: are getting more responsibility while I'm over here proving I
28:33
Speaker 3: can still do my whole job. Nothing about my skills
28:36
Speaker 3: have changed. But suddenly I'm being treated like I should
28:39
Speaker 3: have been grateful just to be here. I have gone
28:42
Speaker 3: back because we need the money, so I don't know
28:44
Speaker 3: what we should be doing. How do I deal with this? Well,
28:48
Speaker 3: i'd be offer especially if my male colleagues had baby.
28:50
Speaker 3: It's like when people are like, oh, yes, where's your baby,
28:53
Speaker 3: and it's like, why are you asking?
28:55
Speaker 2: How are your business?
28:56
Speaker 6: Sorry? Hey, v where's your baby? No pay should be
28:58
Speaker 6: penalized for having a child. It's predict I would argue
29:01
Speaker 6: that this sounds like it probably goes against a lot
29:04
Speaker 6: of fair work clauses.
29:05
Speaker 3: I would be calling like helor Melady, just like a
29:08
Speaker 3: little bit of advice.
29:10
Speaker 6: That would be my suggestion. I think we've had a
29:12
Speaker 6: few people overtime DMS various things about you know, being
29:16
Speaker 6: a parent, returning to the workforce, and I always say
29:19
Speaker 6: talk to Fair Work because there are regulations in place
29:23
Speaker 6: to protect you, particularly from taking time off to have
29:26
Speaker 6: a child. That's why parental pay exists, whether it's through
29:30
Speaker 6: a company, whether it's through the government. I would also
29:33
Speaker 6: review your contract, look at any information that might be
29:37
Speaker 6: particular to your role, if you had company based parental
29:40
Speaker 6: leaves that you used, because that might differ slightly from legislation.
29:44
Speaker 6: Doesn't overrule legislation necessarily, but it's good to know. And
29:48
Speaker 6: then yeah, jump on the Fairwork website. There's heaps of
29:50
Speaker 6: information available on there. Give them a call. Their team
29:53
Speaker 6: is super helpful. You know, they want to make sure
29:56
Speaker 6: that you're protected and looked after. But you should not
29:58
Speaker 6: be being penalized. It makes me really angry to hear
30:02
Speaker 6: that that's the case, because taking time off to have
30:05
Speaker 6: a child, taking time off for anything, really, it doesn't
30:09
Speaker 6: impact your ability to do good work. If anything, it's
30:12
Speaker 6: given you new skills, a new outlook, a new perspective,
30:15
Speaker 6: and I think to be penalized for that is just
30:17
Speaker 6: absolutely apparent. It makes me very like I'm getting angry.
30:21
Speaker 2: Can you actually it's actually so cooked right?
30:25
Speaker 3: Like it makes me really mad because I think since
30:28
Speaker 3: becoming a mum and I've only been here a year,
30:30
Speaker 3: thanks for having me, guys, I have found that I'm
30:34
Speaker 3: doing so much more in less time because I have
30:37
Speaker 3: this sense of urgency to return home more on time
30:41
Speaker 3: than ever. I want to be present for my son,
30:44
Speaker 3: I want to be around, I want to do all
30:45
Speaker 3: of the family things. But I'm very much like, okay, cool,
30:48
Speaker 3: I don't have time to mess around anymore. I'm going
30:51
Speaker 3: to spend this whole morning doing ABC DNE and I'm
30:53
Speaker 3: going to make it happen.
30:54
Speaker 4: Whereas before I.
30:54
Speaker 3: Might have been like, oh yeah, Jess, do you want
30:56
Speaker 3: to go get a coffee? And like in between like
30:58
Speaker 3: I was and I'm boss of my business. I was
31:01
Speaker 3: such an unproductive employee before, Like now I'm like, oh,
31:04
Speaker 3: hold on, I wasn't I operating like this before? So
31:07
Speaker 3: I feel like that makes a lot of sense for me.
31:10
Speaker 3: But then also there's research to back that that working
31:13
Speaker 3: mums are putting in more time, more energy, more effort
31:16
Speaker 3: and are definitely you know, running rings around people who
31:19
Speaker 3: maybe aren't parents, and we're being undervalued. I would be
31:22
Speaker 3: marching into my boss's office and being like, hey, like,
31:24
Speaker 3: I just.
31:25
Speaker 2: Wanted to flag this.
31:26
Speaker 3: I'm really feeling like because like we always lead with
31:28
Speaker 3: how we're feeling about a situation like this, I feel
31:31
Speaker 3: as though I'm not getting the responsibility back. But like
31:36
Speaker 3: Jerry over there, he just had a baby, literally same situation.
31:39
Speaker 3: He's actually got three kids and he has so I'm
31:42
Speaker 3: just wondering, like, what about it. Can I have some
31:45
Speaker 3: feedback because I think that that might be a very
31:50
Speaker 3: stuck reminder to them that maybe they are treating you differently.
31:53
Speaker 3: And I'm not going to say this is acceptable for
31:55
Speaker 3: any second of time, but the reality is sometimes this
31:59
Speaker 3: is subconscious and people are like, oh, we don't want
32:01
Speaker 3: to put that load on back, And then when Beck's like, hey,
32:03
Speaker 3: why wouldn't you do that for Jerry, they're like, oh, God,
32:05
Speaker 3: look what we're doing. Like we're doing exactly what we
32:07
Speaker 3: said we wouldn't. So yeah, go to fair Work if
32:10
Speaker 3: you feel like that's the support you need. But I
32:12
Speaker 3: would honestly be calling it out in your workplace first
32:15
Speaker 3: in a really kind and gentle way, like we don't
32:17
Speaker 3: need to be aggressive, Like hey, I was just wondering, like,
32:20
Speaker 3: when can I take on the full capability of my
32:22
Speaker 3: old role, because honestly, I'm really bored with this. That's
32:25
Speaker 3: not an issue, which is yeah where I'm at.
32:28
Speaker 4: Yeah, I completely agree. I was going to say the
32:30
Speaker 4: same thing basically, I would maybe and you know, I
32:34
Speaker 4: just want to I do want to say, like, it does
32:35
Speaker 4: suck that there are people that come into the same
32:38
Speaker 4: situation as someone else, and you know this situations look
32:41
Speaker 4: very similar, but one person, for absolutely no reason must
32:45
Speaker 4: fight or work harder to be acknowledged or recognized. That
32:49
Speaker 4: does suck. And so what I want to do is
32:51
Speaker 4: just like really do find out, like ask around and
32:54
Speaker 4: talk to these men who have come back from whatever,
32:57
Speaker 4: you know, parental evil, whatever, from having a childild and
33:00
Speaker 4: make sure that this is actually not not that it's
33:05
Speaker 4: not happening, but make sure there's a way where you
33:07
Speaker 4: can like come to the table and be like this
33:09
Speaker 4: person just had a baby, they are now being promoted
33:12
Speaker 4: all this person. You know, you have your facts ready,
33:14
Speaker 4: but yes, I would definitely talk about it first, because
33:17
Speaker 4: as you say it, like it's it's sometimes completely unconscious.
33:20
Speaker 2: You just have no idea and it's awful that that's happening.
33:23
Speaker 3: Ye, that might be the experience, and like just being like, oh,
33:25
Speaker 3: you wouldn't have done this for Jerry, would you is
33:27
Speaker 3: going to like hopefully snap them out of it and
33:29
Speaker 3: then they go, oh, yeah, no, Jess, You're so right,
33:32
Speaker 3: We're so like, you know, that must have been overlooked
33:34
Speaker 3: and they might not ever admit it. Like I kind
33:36
Speaker 3: of don't care if they don't admit it as long
33:38
Speaker 3: as they change their behavior for the bet totally.
33:40
Speaker 2: So do you want to know what the community had
33:42
Speaker 2: to say?
33:42
Speaker 4: Definitely, yeah, yeah, yeah, right.
33:43
Speaker 3: So we asked what would you do if you were
33:45
Speaker 3: in this position? Sixty four percent of you said you'd
33:48
Speaker 3: call it out and demand your old roll back. Six
33:50
Speaker 3: percent of you said work hard to prove yourself again,
33:53
Speaker 3: twenty eight percent said start job hunting. We asked, have
33:56
Speaker 3: you or someone you know experienced the motherhood penalty at work?
34:01
Speaker 3: Forty seven percent of you said I've seen it happen,
34:04
Speaker 3: twenty percent of you said it happened to me, and
34:06
Speaker 3: thirty four percent of you said no, my workplace is
34:08
Speaker 3: actually pretty supportive.
34:10
Speaker 6: Twenty two thirds of people is amazing.
34:12
Speaker 3: And then when you said, what are your two cents,
34:15
Speaker 3: We said, share your opinions. One person said, I'm three
34:19
Speaker 3: weeks back from eternity, leaving in an executive position, and
34:22
Speaker 3: I feel so much pressure to prove myself. Another person said, legally,
34:26
Speaker 3: she's entitled to return to a job with a similar
34:29
Speaker 3: level of responsibilities, which is true, but that doesn't mean
34:31
Speaker 3: that you get it because they might be misogynistic. Another
34:36
Speaker 3: person said, mine said the same to me, and I
34:38
Speaker 3: vengeance leveled up. Better to get out if you're not
34:42
Speaker 3: valued psychotic.
34:45
Speaker 2: I like that. I'm a vengeance level out of here. Bye.
34:49
Speaker 3: Someone else said I don't have kids and feel at
34:51
Speaker 3: my age I get penalized for this, expected to work
34:53
Speaker 3: extra hours, overtime, et cetera.
34:56
Speaker 2: That's a cool Yeah, women, you can't win. No oh.
35:02
Speaker 3: Someone else said I've had the opposite returning to work.
35:05
Speaker 3: We have a lack of flexibility with responsibilities, which is
35:09
Speaker 3: an interesting take as well. So I feel like that's
35:12
Speaker 3: all we've got time for today, so we might wrap
35:14
Speaker 3: it up there, but good chat, Happy International Women's Day, guys.
35:19
Speaker 3: So grateful to be part of this community and get
35:22
Speaker 3: to hang out with you guys all day and with
35:24
Speaker 3: my two co hosts, Jess and Beck.
35:26
Speaker 2: What a pleasure. I love it. We'll see you next week.
35:28
Speaker 6: Guys, Bye, guys bye.
35:36
Speaker 3: The ad buy shared on She's on the Money is
35:38
Speaker 3: general in nature and does not consider your individual circumstances.
35:42
Speaker 3: She's on the Money exists purely for educational purposes and
35:46
Speaker 3: should not be relied upon to make an investment or
35:48
Speaker 3: financial decision. If you do choose to buy a financial product,
35:52
Speaker 3: read the PDS TMD and obtain appropriate financial advice tailored
35:56
Speaker 3: towards your needs. Victoria divine and She's on the Money.
36:00
Speaker 3: Authorized Representatives of Money, sheirper P T Y L t
36:03
Speaker 3: D A b N three two one six four nine
36:06
Speaker 3: two seven seven zero eight A F s L four
36:09
Speaker 3: five one two eight nine