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It's a V, B & A Friday! · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order Kerni Whoalbury 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 impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money.
• 0:36
  Speaker 4: She's on the Money.
• 0:57
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 2: for millennials who want financial freedom. Today, my friends, is Friday,
• 1:05
  Speaker 2: which means it is time to celebrate you the incredible
• 1:09
  Speaker 2: She's on the Money community. Today, I am going to
• 1:12
  Speaker 2: be sharing our community's favorite money wins because miss Jess
• 1:15
  Speaker 2: Ricci she's living her life in Tokyo. Kind of rude,
• 1:19
  Speaker 2: but that's okay. Beck, You've got a number of really
• 1:21
  Speaker 2: good broke tips for us this week, which I am
• 1:23
  Speaker 2: excited about. Yes, we are going to be helping to
• 1:26
  Speaker 2: answer a juicy Money Dilemma, which this week is all
• 1:29
  Speaker 2: about managing various accounts. We're going to be unpacking something
• 1:33
  Speaker 2: that you slid into our DMS about which this week
• 1:35
  Speaker 2: we're chatting about a partner who doesn't prioritize savings at all.
• 1:40
  Speaker 2: And we're going to introduce our miss an Elissa to
• 1:43
  Speaker 2: the show. She's our podcast producer and all round like
• 1:46
  Speaker 2: Queen of the she's on the money Unisphere whatever we
• 1:48
  Speaker 2: call it, Queen the Queen, she's the Queen.
• 1:52
  Speaker 5: Am you?
• 1:53
  Speaker 3: I'm here to keep you in line on air and
• 1:55
  Speaker 3: in check. True.
• 1:57
  Speaker 2: She was very confused for having like, let's have her
• 1:59
  Speaker 2: on this show. You were like, ah, are you sure?
• 2:01
  Speaker 5: I have nothing else to offer but my verbal support
• 2:04
  Speaker 5: of both of you on air.
• 2:05
  Speaker 3: Lovely to join you ladies Friday Friday.
• 2:09
  Speaker 6: I'm so excited that you're here.
• 2:10
  Speaker 5: I woud also like to clarify that Miss Jayrek is
• 2:12
  Speaker 5: over in Japan, in Tokyo, trying to win Miss Sake
• 2:15
  Speaker 5: twenty twenty three.
• 2:18
  Speaker 3: I think that she should, Yeah, she should wash his
• 2:20
  Speaker 3: there she may as well.
• 2:21
  Speaker 2: Try, and she's gonna she should. She should, that would
• 2:24
  Speaker 2: be I don't think she's going to come back. I
• 2:25
  Speaker 2: really hope she does. We need her, hope she does
• 2:28
  Speaker 2: really need her.
• 2:30
  Speaker 6: If she doesn't, then you will stay here forever. And
• 2:33
  Speaker 6: you seem stoked about that, so well let's go with that.
• 2:36
  Speaker 2: As always, we start the show by asking you guys,
• 2:38
  Speaker 2: how your weeks were? Miss Beck's I head, what have
• 2:41
  Speaker 2: you been up to this week?
• 2:43
  Speaker 6: Whatever been up to?
• 2:45
  Speaker 7: Honestly, like, I have been kind of bedridden because I've
• 2:49
  Speaker 7: been sore. It's about that time of the month. Not
• 2:51
  Speaker 7: to get you know, to TMI, but it's helpful, so
• 2:54
  Speaker 7: I haven't done anything.
• 2:55
  Speaker 2: To talk about it because yeah, it's kind of crippling sometimes.
• 2:58
  Speaker 6: Kind of crippling. So I've let myself have a really
• 3:00
  Speaker 6: relaxed week.
• 3:01
  Speaker 2: Good you deserve it.
• 3:02
  Speaker 6: Thank you so much. And you and you.
• 3:05
  Speaker 2: No, miss an Lisa, how was your week? What did
• 3:07
  Speaker 2: you do shook.
• 3:08
  Speaker 5: Me from the constant, steady delight of beautiful sunshine that
• 3:12
  Speaker 5: we had.
• 3:12
  Speaker 3: In Melbourne last week?
• 3:14
  Speaker 2: What is that about?
• 3:14
  Speaker 3: I don't know. It's weird, but it's fabulous.
• 3:17
  Speaker 5: But also thanks for getting me on because I'm going
• 3:20
  Speaker 5: overseas this Sunday for.
• 3:21
  Speaker 3: Two months and I won't see it, so.
• 3:25
  Speaker 5: I'm frantically packing, frantically working frantically doing everything and wondering
• 3:29
  Speaker 5: why on if.
• 3:29
  Speaker 3: I got myself into this.
• 3:31
  Speaker 2: No, I think it's going to be brilliant. And Lisa,
• 3:33
  Speaker 2: can you tell our community exactly why you're leaving she's
• 3:37
  Speaker 2: on the money for two months, because that kind of
• 3:38
  Speaker 2: seems a bit rude, doesn't it be? You're letting me
• 3:41
  Speaker 2: be No, that's not it at all. What are you
• 3:45
  Speaker 2: doing in the United States of America?
• 3:48
  Speaker 5: I'm playing some music over there, so I'm very excited.
• 3:51
  Speaker 2: No, no, no, that wasn't good enough, was it, Beck?
• 3:53
  Speaker 2: Could you please just tell us what you're actually doing
• 3:55
  Speaker 2: over there?
• 3:56
  Speaker 3: My band is going on tour.
• 3:57
  Speaker 2: Your band is going on to Your band was to
• 4:00
  Speaker 2: go on tour in America?
• 4:01
  Speaker 3: So I'm playing.
• 4:02
  Speaker 2: So you have a band, a big dog band.
• 4:05
  Speaker 5: Oh, not a big dog band, a little dog band.
• 4:06
  Speaker 5: My band is Lithario. It's a punk band. I'm sure
• 4:09
  Speaker 5: many she's on the money listeners. We enjoy the kind
• 4:12
  Speaker 5: of an arcic, feminist punk.
• 4:15
  Speaker 2: We are. I don't think our team could be any different. Honestly,
• 4:19
  Speaker 2: I know jessic Rici and I share one brain cell
• 4:22
  Speaker 2: between the two of us, but like the rest of
• 4:24
  Speaker 2: the team, exactly real rogue collection of friends exactly.
• 4:28
  Speaker 5: Bit of a punk Tato Swift is what I try
• 4:30
  Speaker 5: to I'm there channel, is that what they call it.
• 4:33
  Speaker 2: I am one hundred percent there for anything that you
• 4:36
  Speaker 2: relate to Taylor Swift. So I'm in. I keep saying
• 4:39
  Speaker 2: to the team we have to go to one of
• 4:41
  Speaker 2: Analisa's live events, and the rest of the team, like Victoria,
• 4:43
  Speaker 2: you'll get kicked out. You do not look like you
• 4:45
  Speaker 2: go there. But I'm going to go anywhere.
• 4:46
  Speaker 5: God, audience and all sorts of people come and please
• 4:51
  Speaker 5: do come along. I will make sure that they crowdsurfe
• 4:53
  Speaker 5: you to the front when to do so.
• 4:55
  Speaker 2: I cannot wait for a pregnant person.
• 4:58
  Speaker 3: Yes, thank you for letting me go. Wait, I am
• 5:01
  Speaker 3: simply delighted.
• 5:02
  Speaker 5: And I won't imagine high five you while you're at
• 5:05
  Speaker 5: fin Con.
• 5:05
  Speaker 2: I know we're actually really just dropping on the road
• 5:07
  Speaker 2: because Beck, we're actually in the US. So we take
• 5:12
  Speaker 2: off mid October to go to New York for a
• 5:15
  Speaker 2: week with the team. We have a whole heap of
• 5:17
  Speaker 2: really exciting interviews coming up with some New York talent.
• 5:20
  Speaker 2: We're also going to iHeart Studios there. We're going to
• 5:23
  Speaker 2: go visit the Penguins studios, and I'm doing a couple
• 5:26
  Speaker 2: of lack five with literacy presentations sadly not. Ye, that's
• 5:29
  Speaker 2: what I was thinking to just the books, the book
• 5:31
  Speaker 2: publisher by publisher, yet least the Penguin reception. How about
• 5:37
  Speaker 2: I check and report back king Yeah, underrated. Anyway, We're
• 5:43
  Speaker 2: going to New York and then we're going to New Orleans,
• 5:46
  Speaker 2: New Orleans.
• 5:47
  Speaker 3: New Orleans, New Orleans.
• 5:49
  Speaker 2: J Orleans for a finance conference at which both Jess
• 5:53
  Speaker 2: and I are speaking separately. Which big dog energy Energy?
• 5:57
  Speaker 2: So one of us is on literal who are with
• 6:00
  Speaker 2: our bounds? The others are going to a finance conference.
• 6:02
  Speaker 2: Guess we too.
• 6:04
  Speaker 5: We'll have a round table when we get back to
• 6:07
  Speaker 5: report back our findings.
• 6:08
  Speaker 2: I love it. I'm excited.
• 6:09
  Speaker 3: What a week? What a week?
• 6:11
  Speaker 2: What an absolute week? All right, well, let's dive straight in.
• 6:14
  Speaker 2: I am going to hopefully do the community money wins
• 6:17
  Speaker 2: justice and I have a little rap to share with you, guys.
• 6:20
  Speaker 2: Are you ready? You like an actual rap, A little
• 6:24
  Speaker 2: wrap of like the list of Oh no, I knew
• 6:31
  Speaker 2: Jesuita to be here for this episode. I knew bringing
• 6:34
  Speaker 2: the two of you on together was a bad idea. No, No,
• 6:37
  Speaker 2: I have a rap of my favorite money wins from
• 6:40
  Speaker 2: our community. Money wins thread got you from the start
• 6:43
  Speaker 2: of the week, So let me start. We had a
• 6:46
  Speaker 2: money win from Jackie which I thought was really wholesome.
• 6:48
  Speaker 2: Jackie said, my eight year old son had a stall
• 6:51
  Speaker 2: on our front lawn selling all of his unwanted things.
• 6:54
  Speaker 2: He made over three hundred dollars. He then spent one
• 6:57
  Speaker 2: hundred dollars on himself and put two hundred dollars into savings.
• 7:02
  Speaker 2: Eight years old. What a little legend.
• 7:03
  Speaker 5: You know, why, because people can't say no to cute
• 7:05
  Speaker 5: little kids when they're selling stuff out the front of
• 7:07
  Speaker 5: their house.
• 7:08
  Speaker 3: Why shake you down for money and you're like to
• 7:10
  Speaker 3: take it off?
• 7:12
  Speaker 2: That's very true. Like have you ever walked past the
• 7:15
  Speaker 2: lemonades and run by a five year old? No, because
• 7:17
  Speaker 2: that's illegal.
• 7:18
  Speaker 6: It's illegal.
• 7:19
  Speaker 2: It's illegal, all right. The next comes from Madeleine, and
• 7:22
  Speaker 2: this is just one of my favorite money wins ever.
• 7:25
  Speaker 2: She says, I paid off my credit card and I
• 7:27
  Speaker 2: closed the account this week. How good is that? And
• 7:31
  Speaker 2: you just know it's good because so many people from
• 7:33
  Speaker 2: our community have replied to that.
• 7:35
  Speaker 3: With like love.
• 7:36
  Speaker 2: This is such a great feeling. What a huge relief
• 7:38
  Speaker 2: and like there's more than a hundred likes on that
• 7:39
  Speaker 2: post as well. I love how when we have our
• 7:42
  Speaker 2: money ins, you guys all jump in and celebrate each other.
• 7:44
  Speaker 2: It's my favorite thing ever someone else. So we've got imagen.
• 7:49
  Speaker 2: Imagen said last year I won this She's on the
• 7:51
  Speaker 2: Money Christmas giveaway. Guys, we will have another one. Don't worry,
• 7:55
  Speaker 2: she said, And I want a thousand dollar jest Star voucher.
• 7:58
  Speaker 2: I recently used part of it to take my plane
• 8:00
  Speaker 2: obsessed toddler to the Cold Coast for her birthday, and
• 8:03
  Speaker 2: on her very first plane ride, she had the best time.
• 8:07
  Speaker 2: And he's constantly asking to go again, and he's pointing
• 8:10
  Speaker 2: out whether she can see quote our plane or a
• 8:12
  Speaker 2: different plane in the sky every day. I often tell
• 8:15
  Speaker 2: people that She's on the money has changed my life.
• 8:17
  Speaker 2: But this is really something that would have been well
• 8:19
  Speaker 2: out of budget for us and never would have happened.
• 8:22
  Speaker 6: That's right.
• 8:25
  Speaker 2: Someone under that said what's their SotM, And someone was like,
• 8:29
  Speaker 2: she's on the money during the group, and I just
• 8:31
  Speaker 2: thought that was really funny to keep to keep us
• 8:34
  Speaker 2: a little bit humble. At the same time, Ellen says,
• 8:37
  Speaker 2: I had my eyes on a desk from my Kia,
• 8:40
  Speaker 2: which was four hundred and thirty dollars including delivery. I
• 8:43
  Speaker 2: just found the same desk or marketplace with a small
• 8:46
  Speaker 2: scratch for fifty bucks and I picked it up on Saturday.
• 8:48
  Speaker 3: We love it. Yeah, sick.
• 8:50
  Speaker 2: Isn't that so good?
• 8:51
  Speaker 6: That's great?
• 8:52
  Speaker 2: Alright, got two more. I've got two more my friends, Catherine,
• 8:56
  Speaker 2: She says, I just invested my first ten thousand dollars
• 8:59
  Speaker 2: outside of granuation and maybe doubling it soon due to
• 9:02
  Speaker 2: a trauma insurance payout. It's not the most ideal situation
• 9:06
  Speaker 2: to be in at the age of twenty one. I mean,
• 9:08
  Speaker 2: the process of the airs diagnosis after a whole bunch
• 9:11
  Speaker 2: of upheaval with my life. But I'm determined to not
• 9:14
  Speaker 2: let it impact my goal and i want to live
• 9:16
  Speaker 2: the life I've always dreamed of. Oh isn't that so wholesome?
• 9:20
  Speaker 2: I'm just like, get a queen. Absolutely. And then my
• 9:24
  Speaker 2: last one is this is from Lysette, and I just
• 9:26
  Speaker 2: thought this never happens in real life. Lisette says, after
• 9:30
  Speaker 2: a really long time of religiously doing that's life puzzles
• 9:33
  Speaker 2: in the magazine every week, No I had a good
• 9:36
  Speaker 2: win one my god, cross word.
• 9:42
  Speaker 3: We need a bell to ring.
• 9:46
  Speaker 2: I'm just like, you're doing your crossword, you're having a
• 9:49
  Speaker 2: good weekend or you know, a little afternoon with your kappa.
• 9:52
  Speaker 2: But you didn't think that.
• 9:54
  Speaker 3: A little bit of a tim tam, a cup of tea.
• 9:56
  Speaker 1: I know.
• 9:57
  Speaker 2: I'm sorry if that's not what you're doing. And you're
• 9:59
  Speaker 2: like Victoria, I'm like on my way to my corporate high.
• 10:02
  Speaker 1: Flight job.
• 10:05
  Speaker 3: Blanks or something.
• 10:05
  Speaker 2: Yeah, you will be now, yeah, because you can afford them.
• 10:09
  Speaker 2: But those are my community money wins of the week. Wow,
• 10:12
  Speaker 2: oh my god, ten grand for doing across I used.
• 10:16
  Speaker 6: To do those, so I'm going to get Actually, I'm
• 10:17
  Speaker 6: gonna get back on them.
• 10:18
  Speaker 2: Get back on them. Purs turns out people in our
• 10:20
  Speaker 2: community win them.
• 10:21
  Speaker 7: You can win also really quickly, back to the lemonade
• 10:26
  Speaker 7: standing when we said it's illegal, which I wanted to
• 10:29
  Speaker 7: de clasify it, not selling lemonade illegal, walking pasts illegal
• 10:33
  Speaker 7: just in case, because my brain went to that and
• 10:35
  Speaker 7: I was like, maybe someone else is doing as a producer.
• 10:36
  Speaker 5: I should have picked you up on that, shouldn't I?
• 10:38
  Speaker 5: Oh no, I mean I'm instrolled in the conversation I
• 10:42
  Speaker 5: mean right.
• 10:43
  Speaker 2: Now, all right, speaking of wins, I feel like a
• 10:46
  Speaker 2: lot of people in our community have recently been having
• 10:48
  Speaker 2: wins because they're actually implementing your bex broke tips.
• 10:51
  Speaker 6: Do you think so?
• 10:52
  Speaker 3: Yeah? I am.
• 10:53
  Speaker 2: I'm even getting messages now because people are like, they
• 10:55
  Speaker 2: I need this DM to get to Beck, but I
• 10:58
  Speaker 2: don't have Instagram. Here it is, and I'm like, I've
• 11:00
  Speaker 2: got you. I'll screenshot it, I'll text it to her.
• 11:02
  Speaker 2: Let's get it done for our kIPS. Have you got
• 11:05
  Speaker 2: to share with us this week?
• 11:06
  Speaker 7: Okay, So the first one comes from Abs who says, hey, Beck,
• 11:10
  Speaker 7: I have a brick tip for you. Every now and then,
• 11:12
  Speaker 7: I get my lushes done for free by What she
• 11:15
  Speaker 7: does is she does is by modeling for a lash
• 11:17
  Speaker 7: tech who teaches classes. So she goes to get her
• 11:19
  Speaker 7: lashes unfree by someone who is supervised by professional.
• 11:23
  Speaker 6: Same thing as hairdressing.
• 11:25
  Speaker 7: She gets a haircut by a hairdressing apprentice, also supervised
• 11:28
  Speaker 7: vive professional does a cut in color free or very cheap.
• 11:33
  Speaker 6: At least.
• 11:33
  Speaker 3: I know.
• 11:34
  Speaker 5: We have an episode on girl math, well, girl Math
• 11:36
  Speaker 5: and investing coming up in the not too distant future.
• 11:40
  Speaker 5: I'm getting absolutely sexist. I am getting money lost for
• 11:44
  Speaker 5: me getting my lashes redone before I go away. I
• 11:48
  Speaker 5: can't afford to not because then I'm wasting money on makeup.
• 11:51
  Speaker 2: Right, You're right, it's right. I don't have to. So
• 11:54
  Speaker 2: I've been getting my lashes done since I found out
• 11:56
  Speaker 2: I was pregnant because I feel like a sack of potatoes.
• 12:00
  Speaker 2: Like if you put a pair of lashes on a
• 12:02
  Speaker 2: sack of potatoes, the potatoes become pretty.
• 12:04
  Speaker 3: So this is potato Head is a hot Have you
• 12:07
  Speaker 3: seen hot?
• 12:09
  Speaker 6: She was my childhood crush.
• 12:10
  Speaker 3: Yeah, yeah, who wouldn't.
• 12:13
  Speaker 6: I was obviously talking about this potato Head too.
• 12:15
  Speaker 2: I love it. So I have been justifying it because
• 12:18
  Speaker 2: I'm like, well, these lashes are going to help me
• 12:20
  Speaker 2: feel like a human being. But if you deserve your lashes,
• 12:25
  Speaker 2: I gotta get a lashes otherwise I feel like a
• 12:26
  Speaker 2: little bald bandicoot. That's not an option.
• 12:29
  Speaker 6: Okay, but all.
• 12:31
  Speaker 3: Right, but I get them done by the Apprentice too.
• 12:33
  Speaker 2: Yeah.
• 12:34
  Speaker 5: And I think I paid fifty dollars for my last ones. Yes,
• 12:37
  Speaker 5: and they're money, the expensive ones.
• 12:39
  Speaker 6: I got a full body wax once for free.
• 12:42
  Speaker 2: Full body That's terrifying.
• 12:45
  Speaker 6: It was an experience.
• 12:47
  Speaker 2: You're like to take everything from the eyebrows down.
• 12:51
  Speaker 3: Wait, I don't even have it.
• 12:55
  Speaker 2: But you didn't say that coming I was bad. I
• 12:58
  Speaker 2: saw pray tell all right, definitely.
• 13:04
  Speaker 3: Off, Mike.
• 13:04
  Speaker 6: I'm gonna all right.
• 13:05
  Speaker 2: We can talk about this later over actual Friday, but
• 13:08
  Speaker 2: till then I need your other bex broke tip and
• 13:11
  Speaker 2: then I want to hear yours.
• 13:12
  Speaker 6: Okay.
• 13:13
  Speaker 7: The sext one is from Marina, who says that they
• 13:16
  Speaker 7: buy a bag or two at frozen dumplings and cook
• 13:19
  Speaker 7: them up at home. A bag lasts a few weeks
• 13:21
  Speaker 7: and it is a delicious treat that still lets them
• 13:24
  Speaker 7: feel like they're having a fancy dinner. Ten out of
• 13:26
  Speaker 7: ten recommend actually sounds really good.
• 13:30
  Speaker 3: Tiny food makes you feel fancy.
• 13:34
  Speaker 2: Things that are like oknake yeah, oh yeah, we do
• 13:42
  Speaker 2: know how to say all but.
• 13:43
  Speaker 6: That's not yet mini oreos.
• 13:46
  Speaker 2: Okay, that's a different train, but it's true. And I
• 13:50
  Speaker 2: feel like every second week or so, dumplings that Coals
• 13:53
  Speaker 2: or Woolies are on sale, and like, I don't think
• 13:55
  Speaker 2: anyone should be buying their frozen items full price the cycle.
• 14:00
  Speaker 2: You just know they're gonna be on sale. And if
• 14:02
  Speaker 2: a bag of frozen dumplings is fourteen bucks. Absolutely, not
• 14:05
  Speaker 2: like I'm gonna wait until it's seven, thank you.
• 14:07
  Speaker 6: Absolutely.
• 14:08
  Speaker 7: And also, you know, like frozen spring rolls and get
• 14:10
  Speaker 7: a big box of like two hundred and fifty for
• 14:11
  Speaker 7: like six dollars.
• 14:12
  Speaker 2: Where are you getting two hundred and fifty spring rolls?
• 14:14
  Speaker 3: Maybe?
• 14:17
  Speaker 2: All right, Well, what's your actual broke tip? Because that
• 14:19
  Speaker 2: was a trash one.
• 14:20
  Speaker 7: Okay, My actual broke tip for this week is probably
• 14:24
  Speaker 7: also a little bit of trash, but useful for people
• 14:26
  Speaker 7: like myself in times of need. So there have been
• 14:30
  Speaker 7: times where I've gone to the fridge and gotten out
• 14:34
  Speaker 7: a little thing of butter. There's no butter left, you know,
• 14:36
  Speaker 7: when you have to like really dig into the corners
• 14:39
  Speaker 7: and I just.
• 14:40
  Speaker 2: Put it in the microwave and then I pour it
• 14:42
  Speaker 2: all over.
• 14:42
  Speaker 7: Maybe it's a great idea, or like, you know, I've
• 14:44
  Speaker 7: used vegetable oil and stuff like things that aren't you know,
• 14:46
  Speaker 7: it's I.
• 14:47
  Speaker 2: Would prefer no butter.
• 14:49
  Speaker 7: Sometimes when you need you use literally anything mayonnaise anyway,
• 14:54
  Speaker 7: enough of that.
• 14:55
  Speaker 6: But I saw this.
• 14:56
  Speaker 7: I think it was a TikTok of this person who
• 14:59
  Speaker 7: was doubling or even tripling the amount of butter they
• 15:02
  Speaker 7: had by literally just whipping it.
• 15:04
  Speaker 6: Maybe adding a little bit of milk and whipping it.
• 15:06
  Speaker 7: And so if you like, if you feel like you
• 15:09
  Speaker 7: need a little bit of butter to last you a
• 15:11
  Speaker 7: long time, or you just literally can't afford butter for
• 15:13
  Speaker 7: the week or whatever, Bougie too, you whip the butter.
• 15:18
  Speaker 7: If you literally can't afford like a handheld electric one,
• 15:20
  Speaker 7: you just whatever you need, like, get some get a fork,
• 15:23
  Speaker 7: get a whisk, whatever, and that.
• 15:24
  Speaker 6: Will help elongate or prolong Is.
• 15:27
  Speaker 2: That the right way stretches it?
• 15:28
  Speaker 7: It stretches it. Some people cannot afford these things.
• 15:32
  Speaker 2: No, but like butter's expensive. Butter is really expensive, and
• 15:37
  Speaker 2: Bougie whipped butter. Kids would love that totally hundred I
• 15:41
  Speaker 2: love that. That is a very good tip back.
• 15:43
  Speaker 6: Thank you, all right very much.
• 15:45
  Speaker 2: Let's go to a really quick break. But after the break,
• 15:47
  Speaker 2: we're going to be talking about our money dilemma. We've
• 15:49
  Speaker 2: got someone who wants to talk about how to manage
• 15:52
  Speaker 2: various different accounts, and then we are going to be
• 15:54
  Speaker 2: unpacking something you slid into our dams about which this
• 15:57
  Speaker 2: week is all about a partner who doesn't prayer hire
• 16:00
  Speaker 2: savings don't go anywhere guys. All right, we are back,
• 16:08
  Speaker 2: my friends. Let's have a listen to this week's money dilemma. Hi, there,
• 16:14
  Speaker 2: have you got a money dilemma you just can't solve that.
• 16:16
  Speaker 2: She's on the Money Team is here to help. Every
• 16:19
  Speaker 2: week we tackle your dilemmas, both big and small, to
• 16:22
  Speaker 2: answer your most burning money, career and life questions. To
• 16:25
  Speaker 2: get involved, simply head to our website and leave us
• 16:28
  Speaker 2: a short voice recording and you might just find yourself
• 16:30
  Speaker 2: on the show. Now, let's take a listen to this
• 16:33
  Speaker 2: week's money dilemma. Hi, She's on the Money Team.
• 16:39
  Speaker 8: I recently read your chapter on cash flow, and I'm
• 16:42
  Speaker 8: intending on opening another savings account now. I currently have
• 16:46
  Speaker 8: a short term savings account, and I also have a
• 16:49
  Speaker 8: savings account which I don't make contributions to, which my
• 16:52
  Speaker 8: parents have been contributing to since I was born, which
• 16:55
  Speaker 8: I'm very grateful for. Should I open my new savings
• 16:59
  Speaker 8: account with the intention of it being my emergency fund
• 17:04
  Speaker 8: or long term savings I don't know whether the account
• 17:07
  Speaker 8: which I don't make contributions to should be considered my
• 17:11
  Speaker 8: emergency fund or long term savings account, or am I
• 17:15
  Speaker 8: just overthinking this?
• 17:16
  Speaker 2: Thank you? I think everyone is good at overthinking it.
• 17:19
  Speaker 2: But Annalisa, I'm just going to.
• 17:20
  Speaker 3: Jump right in here.
• 17:21
  Speaker 2: V Yeah, you're fresh to the table.
• 17:23
  Speaker 3: I've highly qualified to answer this question. Yeah.
• 17:25
  Speaker 5: Well, she has her own band as reading from the
• 17:29
  Speaker 5: book of Victoria Devine, I can say, straight up, if
• 17:32
  Speaker 5: you have any consumert you pay that off first.
• 17:34
  Speaker 3: But what's the most important thing, your emergency fund fund.
• 17:38
  Speaker 3: Get that emergency fund going, honey.
• 17:40
  Speaker 2: So we don't even need me like that producer just
• 17:43
  Speaker 2: knows me like the back of her hand.
• 17:45
  Speaker 3: She's like Victoria or that would be terrify.
• 17:50
  Speaker 2: I'm kind of great because I mean, I do last work.
• 17:53
  Speaker 5: Heard from, and it's it's to get your emergency fund
• 17:56
  Speaker 5: going if you can. And that's not the first thing
• 17:58
  Speaker 5: you should do. Of course, pay off any can debt.
• 18:00
  Speaker 5: But it sounds un fortunately this.
• 18:01
  Speaker 2: If you're not in any consumer debt, you are correct.
• 18:03
  Speaker 2: The next step would be really focusing on an emergency
• 18:06
  Speaker 2: fund as the like kind of next hygiene box to tick.
• 18:09
  Speaker 2: But it's interesting because I don't think you gave us
• 18:12
  Speaker 2: enough context for me to be able to appropriately go, oh,
• 18:15
  Speaker 2: well this that the other. So let's pretend you've got
• 18:17
  Speaker 2: your short term savings account. For me, I wouldn't be
• 18:19
  Speaker 2: looking at short term savings account as something to rely
• 18:23
  Speaker 2: on because obviously it might be for your next holiday analysa,
• 18:26
  Speaker 2: or it might be for you know, you to get
• 18:28
  Speaker 2: your car serviced or something.
• 18:29
  Speaker 3: So which means my short term it's like.
• 18:31
  Speaker 2: Usually it's all those things that you have to sup. Yeah,
• 18:35
  Speaker 2: it's those things that you have to save for that
• 18:37
  Speaker 2: you will spend the money on in less than twelve
• 18:39
  Speaker 2: months usually, So short term savings is anywhere between. I
• 18:43
  Speaker 2: would say twelve to twenty four months. Anything above and
• 18:46
  Speaker 2: beyond that I would look at as more longer term savings.
• 18:49
  Speaker 2: You mentioned that you have a savings account that your
• 18:51
  Speaker 2: parents will contributing to. That's fantastic, But how much.
• 18:54
  Speaker 3: Is in that?
• 18:55
  Speaker 2: So is that amount enough for an emergency fund? So
• 18:59
  Speaker 2: pretend you have no Pretend you don't have any of
• 19:02
  Speaker 2: those accounts, because at the moment I can tell they're
• 19:04
  Speaker 2: overwhelming you. You're like, where should I be? What should
• 19:06
  Speaker 2: I do? How much do you want in an emergency
• 19:09
  Speaker 2: fund if you've got one? So what does that look like?
• 19:12
  Speaker 2: For most people in our community, they want at least
• 19:15
  Speaker 2: three months worth of their expenses. So We're not talking
• 19:17
  Speaker 2: three months worth of expenses and savings and all your investments.
• 19:20
  Speaker 2: We're just like, all right, Beck, if sh one t
• 19:23
  Speaker 2: hit the fan tomorrow, how much would it cost you
• 19:26
  Speaker 2: for three months to just put food on the table,
• 19:29
  Speaker 2: pay your rent, and pay your bills and be okay?
• 19:31
  Speaker 2: What would that look like? And you might go, oh, V,
• 19:34
  Speaker 2: that's like five thousand dollars, and I go okay, no worries.
• 19:37
  Speaker 2: That might then become your goal for an emergency fund.
• 19:40
  Speaker 2: There's no right or wrong when it comes to emergency funds.
• 19:43
  Speaker 2: Because you might go, V, I see your logic, but
• 19:47
  Speaker 2: I'm an anxious girl. We and I need ten thousand dollars.
• 19:51
  Speaker 2: There might be no rhyme or reason to that. That's
• 19:53
  Speaker 2: just a number that's in your head that makes you
• 19:54
  Speaker 2: feel comfortable. You do you I don't care. You might
• 19:57
  Speaker 2: also go I don't care about an emergency fund. I
• 19:59
  Speaker 2: see you're logic, and I raise you my logic, which
• 20:02
  Speaker 2: is only five hundred dollars in that account, at which
• 20:04
  Speaker 2: point I go, that's fine, as long as it's a confident,
• 20:08
  Speaker 2: educated decision where you know that you know our community
• 20:12
  Speaker 2: usually have three months, but you've got some reason as
• 20:14
  Speaker 2: to why you're comfortable with that. Again, there's no right
• 20:17
  Speaker 2: or wrong, there's just guidance where I think everybody always
• 20:20
  Speaker 2: wants a number, right, Like, every time I talk to
• 20:22
  Speaker 2: someone about how much should I be saving, they're always
• 20:24
  Speaker 2: saying what percentage of my income should I be saving?
• 20:27
  Speaker 2: And I go, I can't tell you that because if
• 20:29
  Speaker 2: I said ten percent back, that's wildly inaccurate for a
• 20:33
  Speaker 2: single mum who's on an income of forty thousand dollars,
• 20:36
  Speaker 2: but definitely not enough. If you're a radio podcast producer
• 20:40
  Speaker 2: on four hundred thousand dollars, you know, sorry, which ones.
• 20:42
  Speaker 3: Are ver that much? Hey, I'd like to meet that person?
• 20:45
  Speaker 2: No, but do you know what I mean? These things
• 20:47
  Speaker 2: don't make sense for everybody, so we need to make
• 20:50
  Speaker 2: sure that they make sense for our circumstances. So pretend
• 20:53
  Speaker 2: your short term savings aren't there, because you've obviously got
• 20:55
  Speaker 2: that pre allocated. You then need your emergency fund. Whether
• 20:58
  Speaker 2: your emergency fund is that at that your parents have
• 21:01
  Speaker 2: set aside for you or not, it's going to depend
• 21:04
  Speaker 2: on whether you would be willing to get rid of
• 21:06
  Speaker 2: those funds if an emergency arose. So, if your parents
• 21:08
  Speaker 2: have been saving for a really long time, But the
• 21:10
  Speaker 2: intention of that was maybe to be a house to
• 21:13
  Speaker 2: bosit sure or something like that. That's not your emergency fund,
• 21:17
  Speaker 2: my friend. But if you got into, you know, a
• 21:20
  Speaker 2: little bit of a bingle. No one was hurt, but
• 21:23
  Speaker 2: you ran into the back of something a little bit
• 21:25
  Speaker 2: of a prang, would you be happy spending that money
• 21:28
  Speaker 2: on fixing your cut. If the answer is no, we
• 21:32
  Speaker 2: need to not look at that as your emergency savings
• 21:34
  Speaker 2: or your emergency fund. So a long term savings account fantastic,
• 21:39
  Speaker 2: But what are our long term goals? So before you
• 21:41
  Speaker 2: said you had just finished my chapter on cashlow, thank you,
• 21:44
  Speaker 2: you would know that I recommend having at least three
• 21:47
  Speaker 2: savings accounts or a short term, a long term, and
• 21:49
  Speaker 2: an emergency. Do that however you wish. I don't think
• 21:53
  Speaker 2: that there is a right or a wrong, But what
• 21:55
  Speaker 2: I'm hearing is that amount, especially in the tone that
• 21:57
  Speaker 2: you said, oh, my parents have been saving it for
• 21:59
  Speaker 2: a really long time time, I'm going to make the
• 22:01
  Speaker 2: grand assumption that's probably not your emergency fund because the
• 22:04
  Speaker 2: intention of those funds was probably not to get you
• 22:06
  Speaker 2: out of that little bingal that you help with your car.
• 22:09
  Speaker 2: It's probably for longer term goal setting. It might be
• 22:11
  Speaker 2: for a fusure, wedding or a holiday or something life changing.
• 22:15
  Speaker 2: Whereas you might need to work up your emergency fund
• 22:19
  Speaker 2: and have that segregated out. So have a think about
• 22:22
  Speaker 2: what the money wants to go towards, because sometimes money
• 22:26
  Speaker 2: does have emotional attachment, right like your parents save for
• 22:28
  Speaker 2: a really long time. You might not want to blow
• 22:30
  Speaker 2: that because you run a red light and have to
• 22:33
  Speaker 2: do a really expensive spedding fund.
• 22:34
  Speaker 3: You know, wise words me very well.
• 22:38
  Speaker 2: It's coming to my tech talk guys. All right, let's
• 22:42
  Speaker 2: move on because we have this week a community.
• 22:45
  Speaker 5: DN speaking of savings, speaking of savings and spendings, isn't it.
• 22:50
  Speaker 2: Posted this on the stories the other day. You guys
• 22:53
  Speaker 2: were spicy to say the least. All right, so here's
• 22:57
  Speaker 2: the DM. Hey ladies, would love to hear your advice.
• 23:00
  Speaker 2: My boyfriend and I have been together for a few
• 23:01
  Speaker 2: months now and things are going so well. Congrats quit nice.
• 23:05
  Speaker 2: I feel so happy being with him, and I haven't
• 23:08
  Speaker 2: had a connection like this in a long time. But
• 23:11
  Speaker 2: the only thing is we got onto the very fun
• 23:14
  Speaker 2: topic of finances the other day and I found out
• 23:17
  Speaker 2: he only has three thousand dollars in savings. I'm not sure,
• 23:20
  Speaker 2: but is this a red flag to you? We are
• 23:23
  Speaker 2: both in our mid thirties and I have solid savings
• 23:26
  Speaker 2: and an investment portfolio. Now, obviously the relationship is new,
• 23:30
  Speaker 2: but at the same time, at the age of thirty six,
• 23:33
  Speaker 2: I'm thinking about the future and I want to settle
• 23:35
  Speaker 2: down and have a family one day. It's not something
• 23:37
  Speaker 2: i'm judging him on, and it's not like I need
• 23:40
  Speaker 2: my partner to have heaps of money, but it does
• 23:42
  Speaker 2: feel slightly concerning that he doesn't have any financial goals
• 23:46
  Speaker 2: at this age. Do you think I'm overthinking it and
• 23:48
  Speaker 2: I should stop worrying about it, or do you think
• 23:51
  Speaker 2: it's a serious word flag and I should really reconsider
• 23:54
  Speaker 2: this relationship. Please help. She's on the money.
• 23:58
  Speaker 3: Good heavens girl, you need to cool your jets. WHOA,
• 24:02
  Speaker 3: I'm just going to jump straight.
• 24:03
  Speaker 2: In there, living crisis, Karen.
• 24:06
  Speaker 3: Only three thousand dollars, that's so much money.
• 24:10
  Speaker 7: Also, someone who saves at all probably has some financial
• 24:14
  Speaker 7: goals saving it.
• 24:15
  Speaker 3: Jumps straight to has no financial goals.
• 24:17
  Speaker 7: That is a brutal That is me with zero savings
• 24:21
  Speaker 7: listening to that was like, okay, I don't think she
• 24:23
  Speaker 7: would ever take me.
• 24:24
  Speaker 2: But when I started dating my husband, I was in
• 24:26
  Speaker 2: significant personal debt.
• 24:28
  Speaker 1: So.
• 24:30
  Speaker 5: Walking red, flat and mid like, I don't know, I
• 24:33
  Speaker 5: think that's something.
• 24:34
  Speaker 3: Okay, it sounds like we're all on the same side
• 24:36
  Speaker 3: of the table.
• 24:36
  Speaker 2: Yes, we're on his side. We're like getting king.
• 24:38
  Speaker 3: Yeah, I bet he's a sweet prince.
• 24:40
  Speaker 2: Well, yeah, you think he's a sweet prince. And now
• 24:43
  Speaker 2: you're looking out of his bank.
• 24:44
  Speaker 5: Accounts months like, Okay, my mum gave me a very
• 24:48
  Speaker 5: good piece of advice.
• 24:48
  Speaker 2: Okay, that was Is this going to rock my relationship?
• 24:54
  Speaker 5: Got it?
• 24:55
  Speaker 2: Going back?
• 24:55
  Speaker 3: I think you did well.
• 24:56
  Speaker 5: No new partner, new job, new house, new friends, four months,
• 25:02
  Speaker 5: don't make any opinions up until at least four months
• 25:04
  Speaker 5: in So how many months are we talking? Firstly, yes
• 25:06
  Speaker 5: it's going well.
• 25:07
  Speaker 3: If it's not going well in that time, she said three.
• 25:11
  Speaker 3: We're not quite at the four months mark.
• 25:12
  Speaker 2: So would she say three?
• 25:14
  Speaker 5: Wait, even though she said a few, I think a couple,
• 25:17
  Speaker 5: a few she said a few, Okay, very general.
• 25:20
  Speaker 2: In my head, a few months is definitely three.
• 25:23
  Speaker 5: Okay, yeah, because a couple, you say, a couple of two,
• 25:26
  Speaker 5: A few is three?
• 25:27
  Speaker 3: Yeah. Wait, another few right rackon, I think.
• 25:32
  Speaker 2: I think we need to know more about winning story.
• 25:34
  Speaker 3: We are background.
• 25:37
  Speaker 2: What would your thoughts on this be?
• 25:39
  Speaker 6: Are you saying, wait a few months before, Well, I just.
• 25:41
  Speaker 5: Think she's like peaking really really quickly and worrying and worrying. Firstly,
• 25:46
  Speaker 5: I think three thousand dollars is perfectly fine, but it
• 25:49
  Speaker 5: also it depends like what does this person do. Do
• 25:51
  Speaker 5: they earn hundreds of thousands of dollars a year and
• 25:54
  Speaker 5: aren't capable of saving anything? Are they unemployed and they
• 25:58
  Speaker 5: have three thousand dollars? What's anyway? We need a lot,
• 26:01
  Speaker 5: We need so much more information.
• 26:03
  Speaker 7: So I guess, like, obviously it depends on if you
• 26:06
  Speaker 7: have joint financial goals.
• 26:08
  Speaker 6: That might make it tricky.
• 26:09
  Speaker 7: If someone's like I actually am probably not going to say,
• 26:12
  Speaker 7: or I actually don't have the same financial goal as you,
• 26:14
  Speaker 7: but like, yeah, it's been three months, wait a little longer.
• 26:17
  Speaker 7: Let's say hypothetically it's been years and they're both trying
• 26:19
  Speaker 7: to say.
• 26:20
  Speaker 6: For a house or something.
• 26:22
  Speaker 3: I don't know.
• 26:23
  Speaker 7: I mean, like, I guess it makes it tricky, but
• 26:25
  Speaker 7: it's I wouldn't call it a red flag.
• 26:27
  Speaker 6: I would be like, you know.
• 26:28
  Speaker 7: Just maybe if you in a few years time, decide
• 26:32
  Speaker 7: to have the same financial goal and only one party
• 26:37
  Speaker 7: is putting in the effort. Then just like I don't know,
• 26:40
  Speaker 7: put in this amount, the other person puts in their amount.
• 26:43
  Speaker 7: When you go to buy a house or buy a
• 26:45
  Speaker 7: car or whatever. And then if you ever sell it,
• 26:47
  Speaker 7: you get yours back, they get theirs back. You don't
• 26:49
  Speaker 7: split everything in the middle. You don't have to split
• 26:51
  Speaker 7: everything in the middle.
• 26:52
  Speaker 6: You know what I mean.
• 26:52
  Speaker 2: Doesn't always be equity.
• 26:55
  Speaker 6: Yes, So I don't know.
• 26:57
  Speaker 2: I think, don't worry, beg things, just don't worry, story,
• 27:00
  Speaker 2: just talk.
• 27:01
  Speaker 3: I think.
• 27:02
  Speaker 5: I think to summarize me, put a bookmark in that page,
• 27:04
  Speaker 5: in that part of the chapter, and you revisit that
• 27:06
  Speaker 5: a little bit further down the line, because I think
• 27:08
  Speaker 5: it's a bit soon to.
• 27:09
  Speaker 6: Be yes, you know, highlight it.
• 27:12
  Speaker 2: I like that you know he has three thousand dollars
• 27:14
  Speaker 2: in savings, because that, to me is a reflection that
• 27:17
  Speaker 2: you've had some conversations about money, which is very positive,
• 27:20
  Speaker 2: especially at that point in a relationship, like early on,
• 27:24
  Speaker 2: like you kind of like bury your heads in the sand.
• 27:26
  Speaker 2: As I said before, when I got with my now husband,
• 27:29
  Speaker 2: I was in significant personal debt and I hit it
• 27:31
  Speaker 2: for a really long time. I didn't like lie about it,
• 27:33
  Speaker 2: but I just didn't tell him, And then when I
• 27:35
  Speaker 2: did tell him, he was kind of like a red flag.
• 27:37
  Speaker 3: But weally love.
• 27:38
  Speaker 2: So this is a bit deep and like, haha, sucker,
• 27:41
  Speaker 2: don't do what I did, like do what I say,
• 27:45
  Speaker 2: not as I do. Like anyway, I just think it's
• 27:48
  Speaker 2: such a hard situation to be in because you don't
• 27:50
  Speaker 2: know enough about the money story and where that's come from, Like,
• 27:54
  Speaker 2: you know, has he just been a party boy? Like
• 27:57
  Speaker 2: has he just been living his best life? Did he
• 27:59
  Speaker 2: just beend thirty dollars the year before going and having
• 28:02
  Speaker 2: this euro trip of dreams and had saved up for that,
• 28:05
  Speaker 2: and you know, had gone I'm single, I'm going to
• 28:07
  Speaker 2: live my best life. And then he's met you the
• 28:09
  Speaker 2: love of his life, and his priorities are going to shift.
• 28:12
  Speaker 2: I'm not trying to romanticize it. Nobody needs to have
• 28:15
  Speaker 2: the same life goals. But I remember I was in
• 28:18
  Speaker 2: personal debt and I have my head in the sand
• 28:20
  Speaker 2: until I met my husband, and I was like, oh,
• 28:22
  Speaker 2: I really need to get my stuff together, Like I
• 28:23
  Speaker 2: really want to build a life with this person. I
• 28:25
  Speaker 2: really want to share these financial goals and buy a
• 28:28
  Speaker 2: house and all of that. But up until that point,
• 28:30
  Speaker 2: I was kind of like, bere, I just do what
• 28:32
  Speaker 2: I want. I'm a single lady. I don't even care,
• 28:34
  Speaker 2: and like, I just think that that's valid. Also, we're
• 28:37
  Speaker 2: in the middle of a cost of living crisis. Like
• 28:40
  Speaker 2: three grand is a lot of money to have in
• 28:41
  Speaker 2: the bank, and if you look at what the average
• 28:43
  Speaker 2: Australian can do, the average Australian cannot access five hundred
• 28:48
  Speaker 2: dollars in an emergency. He's above and beyond that. Get
• 28:51
  Speaker 2: a king, get it. Like that's so good, that's financial security.
• 28:54
  Speaker 2: Maybe that's his emergency fund totally. Maybe he's working his
• 28:57
  Speaker 2: way up in a Korea where he, you know, actually
• 29:00
  Speaker 2: has been really really poorly paid. I don't know, you
• 29:04
  Speaker 2: haven't told me. Maybe he's been a med student for
• 29:06
  Speaker 2: the last seven years and has lived off twenty thousand
• 29:08
  Speaker 2: dollars a year, and all of a sudden, he's gonna,
• 29:11
  Speaker 2: you know, go do his training as an anethetist and
• 29:13
  Speaker 2: be on half a million dollars a year in the
• 29:14
  Speaker 2: next ten years. Totally, Like you don't know that. You
• 29:16
  Speaker 2: haven't given me that context. So I think it's important
• 29:19
  Speaker 2: to sit down not necessarily judge how much he has,
• 29:22
  Speaker 2: but more those money habits, Like is this because you
• 29:26
  Speaker 2: know he's been on a drug ram page and he
• 29:29
  Speaker 2: has a co co addiction? You don't know?
• 29:31
  Speaker 3: But do you know what I mean?
• 29:32
  Speaker 2: There's so many different things that come into this and
• 29:34
  Speaker 2: I don't think it's our place to judge, nor do
• 29:37
  Speaker 2: I think it is your place to judge. But if
• 29:39
  Speaker 2: you see a future with this person, talking about, well,
• 29:42
  Speaker 2: what does saving together look like in the future? Probably
• 29:44
  Speaker 2: not three months in let's be honest, Like to me,
• 29:48
  Speaker 2: if you were getting a shared account at three months,
• 29:50
  Speaker 2: I'd be like baybread flats. But just having these conversations,
• 29:54
  Speaker 2: do you want to plan holidays together? If so, what
• 29:57
  Speaker 2: does contributing to those holidays together look like? If you
• 30:00
  Speaker 2: want to you know, let's pretend it's a year down
• 30:03
  Speaker 2: the track and you're like, oh, we really want to
• 30:05
  Speaker 2: get married and have a baby and all of this
• 30:07
  Speaker 2: other stuff. What does that type of contribution look like?
• 30:10
  Speaker 2: Because they're all different, right, Like, you know, he might
• 30:13
  Speaker 2: not have had financial goals until he found meaning in
• 30:15
  Speaker 2: his life, and you might be that meaning. I don't
• 30:17
  Speaker 2: want to be too dramatic, but like you just don't
• 30:20
  Speaker 2: know what you don't know because this dude literally had
• 30:24
  Speaker 2: no financial literacy like I was when I was younger,
• 30:27
  Speaker 2: got himself into a mountain of debt, just gotten out
• 30:29
  Speaker 2: of it. And that's the first three grand he's saved.
• 30:31
  Speaker 2: And he's so ridiculously proud of that because he has
• 30:34
  Speaker 2: gone from being in massive amounts of consumer debt having
• 30:37
  Speaker 2: three grand in the bank. Are you now downplaying it
• 30:40
  Speaker 2: because you're like, Oh.
• 30:41
  Speaker 3: It's not much?
• 30:41
  Speaker 2: Is that a red flag?
• 30:42
  Speaker 1: No?
• 30:43
  Speaker 2: Look at what he's done. Sure, does that make sense?
• 30:45
  Speaker 1: I don't know.
• 30:46
  Speaker 2: I just think it's way too.
• 30:46
  Speaker 5: Early to wait for our community judge. It's like, we've
• 30:48
  Speaker 5: got to not spend too long on this. But I
• 30:50
  Speaker 5: just thought of something that could throw a little bit
• 30:52
  Speaker 5: of it. And I'm interested in your perspective on this.
• 30:54
  Speaker 3: A little bit of a devil's advocate here, Okay.
• 30:57
  Speaker 5: If this is so triggering her and she's peaking this
• 31:02
  Speaker 5: much this quick, maybe he's not the right one for her,
• 31:06
  Speaker 5: right and it's.
• 31:07
  Speaker 3: Not actually about him, it's about her.
• 31:09
  Speaker 5: Maybe she's really insecure, Like it sounds to me like
• 31:12
  Speaker 5: she's very frantic and very anxious about this. Stuff.
• 31:14
  Speaker 3: So actually, also, maybe.
• 31:16
  Speaker 5: Babe, if you're red flagging at this point, then you
• 31:21
  Speaker 5: shouldn't try to change him.
• 31:22
  Speaker 2: Yeah, Like, do you know what, It's easier to change
• 31:27
  Speaker 2: the man than his financial priorities. I'm telling you that
• 31:29
  Speaker 2: right now, I just switch out the man. Yeah, you'll
• 31:32
  Speaker 2: be right. That's probably terrible advice, but it's literally easier
• 31:37
  Speaker 2: to change the man change a man. I see what
• 31:41
  Speaker 2: you're saying, Like, you can't change somebody, So just maybe.
• 31:44
  Speaker 3: This person needs like a someone on Shark Tank. Yeah,
• 31:49
  Speaker 3: whoever those people are.
• 31:50
  Speaker 2: All right, let's ask the community. Yes, I was surprised
• 31:53
  Speaker 2: by this. Forty eight percent of you thought that was
• 31:55
  Speaker 2: a red flag.
• 31:58
  Speaker 6: Oh no, all right.
• 32:00
  Speaker 2: Then asked do you think money matters more in a
• 32:02
  Speaker 2: relationship the older you are? Eighty two percent of you
• 32:06
  Speaker 2: said yes.
• 32:07
  Speaker 1: Well.
• 32:10
  Speaker 2: Do you think you need to have similar money values
• 32:13
  Speaker 2: and goals for a relationship to work?
• 32:15
  Speaker 3: Yes?
• 32:16
  Speaker 2: Yeah, correct. Eighty eight percent of you said yeah, okay. Well,
• 32:20
  Speaker 2: we said if this were you, what would you do?
• 32:23
  Speaker 2: So two percent of you said we'd consider ending in
• 32:25
  Speaker 2: the relationship. I'm happy with that. Eighty eight percent of
• 32:31
  Speaker 2: you said I'd talk to them about my concerns. Communication
• 32:33
  Speaker 2: is friends, and ten percent of you said just stop
• 32:37
  Speaker 2: overthinking it and go and enjoy your relationship.
• 32:39
  Speaker 5: I think we're part of the ten percent.
• 32:42
  Speaker 2: I would talk to them about it. I wouldn't bring up, hey,
• 32:45
  Speaker 2: I'm concerned that you only have X. I would literally
• 32:48
  Speaker 2: just be like, hey, how'd you grow up around money? Like,
• 32:50
  Speaker 2: let's have these money compact.
• 32:51
  Speaker 3: A psychological deep dip right now.
• 32:54
  Speaker 2: But my poor husband, I'm always like, so, how do
• 32:57
  Speaker 2: you feel about that? And he's like, yeah, good, and
• 32:58
  Speaker 2: I'm like that's not good enough. Excuse what are you
• 33:01
  Speaker 2: going to say?
• 33:02
  Speaker 1: Now? Yeah?
• 33:03
  Speaker 2: Did you just deep dive in tell you're feeling right now?
• 33:05
  Speaker 2: Why do you think you were so defensive when you said, yeah, fine, yeah, sure,
• 33:08
  Speaker 2: fair en not lucky? All right? So then we said
• 33:11
  Speaker 2: what are your two cents? With love to hear, let
• 33:13
  Speaker 2: me read out some of the responses I've obviously summarized.
• 33:16
  Speaker 2: If you and one of you said, the amount isn't
• 33:18
  Speaker 2: a red flag? The lack of goals is? I get that,
• 33:21
  Speaker 2: But also, how do you know he doesn't have any goals?
• 33:23
  Speaker 6: We know that's how do you know?
• 33:25
  Speaker 2: Because you're wondering whether three thousand dollars is a red flag?
• 33:28
  Speaker 2: But you haven't asked what that three grand.
• 33:29
  Speaker 6: Is for, yes, or where it came from, how you
• 33:32
  Speaker 6: got here?
• 33:33
  Speaker 2: Someone said, do you know that he doesn't have any
• 33:36
  Speaker 2: other money or investments somewhere else? Or is there a
• 33:38
  Speaker 2: genuinely good reason for this amount?
• 33:40
  Speaker 1: M M.
• 33:42
  Speaker 2: Has he potentially gambled in his life? Is something that
• 33:45
  Speaker 2: someone else has ansked? Definitely speak to him because financialist
• 33:49
  Speaker 2: security is important in a relationship, and it's clearly important
• 33:52
  Speaker 2: to you. Someone said, there could be a lot more
• 33:55
  Speaker 2: going on behind the scenes. You need to ask. Someone
• 33:58
  Speaker 2: else said, Paul, your head in three grands a lot
• 34:01
  Speaker 2: of money. I'm like, yeah, that's absolutely correct. Someone else said,
• 34:05
  Speaker 2: my marriage has ended recently for this reason. Oh, but
• 34:09
  Speaker 2: it's true. Like communication is key if you're not on
• 34:12
  Speaker 2: the same page as your partner, Like finances are so
• 34:15
  Speaker 2: deeply intertwined. Like, if you're not on the same page
• 34:18
  Speaker 2: financially as your partner, you're just going to feel as
• 34:21
  Speaker 2: though you're going in completely different directions. If one of
• 34:24
  Speaker 2: you wants to do this big life goal thing and
• 34:26
  Speaker 2: the other doesn't, Like, at some point, that's going to
• 34:28
  Speaker 2: feel like a very big spanner in the works. Yeah, Like,
• 34:30
  Speaker 2: and it doesn't matter what it is. It might be
• 34:32
  Speaker 2: a holiday, it might be buying a house, it might
• 34:34
  Speaker 2: be buying a dog. But these things get in the
• 34:37
  Speaker 2: way of having a successful relationship. Someone else has said, look,
• 34:41
  Speaker 2: three grands still shows some ability to save. I think
• 34:44
  Speaker 2: it's way better than finding out he has debt that
• 34:46
  Speaker 2: he hasn't told you about. Sure, couldn't agree more. Someone said,
• 34:50
  Speaker 2: how much money would you have expected him to have?
• 34:53
  Speaker 2: What would have made you happy?
• 34:54
  Speaker 6: That's a good question.
• 34:56
  Speaker 2: It's a bit of a perfect question that I didn't
• 34:58
  Speaker 2: even ask. Girl was like, well, what were you expect right, Like,
• 35:01
  Speaker 2: what if you saw five grand? Would that be okay?
• 35:04
  Speaker 2: Were you expecting fifty thousand? We were expecting half a
• 35:06
  Speaker 2: million dollars?
• 35:07
  Speaker 5: Like yeah, I love that one about debt too, It's like,
• 35:10
  Speaker 5: what if he has ten grand, but he's got, like,
• 35:12
  Speaker 5: you know, thousands of dollars worth of debt, many thousands
• 35:15
  Speaker 5: of dollars?
• 35:16
  Speaker 3: Is that better because it's like totally, he's one.
• 35:19
  Speaker 2: Hundred percent, one hundred percent. Obviously there were hundreds of
• 35:21
  Speaker 2: other responses here, but this one I will leave you with.
• 35:25
  Speaker 2: It was, I think it's really important that you sit
• 35:27
  Speaker 2: down and talk about your money. Stories. He has a
• 35:29
  Speaker 2: life that he lived before you, and it might be
• 35:32
  Speaker 2: beautiful to share that lovely love that such as she's
• 35:37
  Speaker 2: I love our community so much because I'm always like, yes,
• 35:40
  Speaker 2: that's exactly what I would have.
• 35:41
  Speaker 6: Said, totally. We're all on our own journey and.
• 35:43
  Speaker 2: We're all on the same page.
• 35:44
  Speaker 3: It seems. Communication is key.
• 35:46
  Speaker 7: Communication is can communicationness and anyway.
• 35:50
  Speaker 2: Fluffy stuff, all of that fluffy stuff, all right, Unfortunately, guys,
• 35:55
  Speaker 2: I do think that is all we have time for today,
• 35:57
  Speaker 2: So we hope you have the best Friday. Anna Lisa,
• 36:00
  Speaker 2: thank you for joining us on the show, and have
• 36:02
  Speaker 2: the best time when touring the United States with your
• 36:05
  Speaker 2: actual real life.
• 36:06
  Speaker 3: The right back at you, Victoria Devine.
• 36:09
  Speaker 2: Imagine invited to the US to tour like it wasn't
• 36:12
  Speaker 2: even that you decided to do that. You were invited
• 36:14
  Speaker 2: to tour the United.
• 36:16
  Speaker 5: Is actually stopping about it, and you're invited to speak.
• 36:20
  Speaker 5: So I cannot wait to hear about the best from
• 36:24
  Speaker 5: fin Con. I'm hopefully we're going to get some of
• 36:26
  Speaker 5: it on the show. Yeah, of it on the show.
• 36:29
  Speaker 2: You'll definitely get some of it on the show. I'm
• 36:30
  Speaker 2: obviously excited about that because I cannot wait to talk
• 36:33
  Speaker 2: about financial literacy. But it's Friday. We have to go.
• 36:37
  Speaker 2: Do you have the best weekend and we'll see you
• 36:39
  Speaker 2: bright early for a money Daria on Monday.
• 36:41
  Speaker 3: Bye bye bye.
• 36:48
  Speaker 2: The advice shared on She's on the Money is generally
• 36:51
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• 36:55
  Speaker 2: the Money exists purely for educational purposes and should not
• 36:59
  Speaker 2: be relied upon to make an investment or financial decision.
• 37:02
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