Latest / She's On The Money / MONEY DIARIES UNMASKED: Hannah Sands

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MONEY DIARIES UNMASKED: Hannah Sands · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
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  Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
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  Speaker 1: we get started on She's on the Money podcast, I
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  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,
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  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
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  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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  Speaker 1: and the storytelling of you to make a difference for
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  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
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  Speaker 3: She's on the Money, She's on the Money.
• 0:58
  Speaker 2: Hello, and welcome to She Is on the Money, the
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  Speaker 2: podcast a millennials who want financial freedom. Welcome back to
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  Speaker 2: another one of our money diaries, where this week there
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  Speaker 2: is a little bit of a twist. Instead of having
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  Speaker 2: an anonymous money diary, I'm bringing you what I'm gonna
• 1:13
  Speaker 2: call celeb money Diaries. Not that our guest this week
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  Speaker 2: is a celeb Like, we're just stretching it because she's
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  Speaker 2: gonna be one day. I'd like to introduce you to
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  Speaker 2: my internet friend, R and B artist and content creator
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  Speaker 2: Hannah Sance. Hannah, Welcome to the show.
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  Speaker 4: Hello, thank you for having me.
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  Speaker 2: I am so excited about this. This is our first
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  Speaker 2: like public money diary where people can go and follow
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  Speaker 2: you and see what you're up to. But one of
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  Speaker 2: the things that instantly drew me to your content one
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  Speaker 2: before you started doing any type of budgeting content, was
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  Speaker 2: that you're an epic R and B artist, Like I
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  Speaker 2: have been following you for so long and vice versa.
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  Speaker 2: I think because the other day I was looking at
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  Speaker 2: like an old post trying to find some engagement stats
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  Speaker 2: and I was like, oh, that's I'm like sixty eight
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  Speaker 2: weeks ago, and Hannah's commenting that's me.
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  Speaker 4: I was trolling that she's on the money posts ages ago.
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  Speaker 2: I like it. I appreciate it, and thank you for
• 2:09
  Speaker 2: trolling them in a really kind way, like it was
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  Speaker 2: never like, you know, actual troll content. But Hannah, your
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  Speaker 2: TikTok bio says you used to be average, but you're
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  Speaker 2: trying to be better and the content that you create
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  Speaker 2: is really around money and music and lifestyle. And you've
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  Speaker 2: recently gone viral a few times and been picked up
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  Speaker 2: by the likes of the Daily Mail, which can be
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  Speaker 2: good and can be bad. Let's be honest, because you
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  Speaker 2: are so brutally honest about your budgeting. Tell me why
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  Speaker 2: you started creating content like this?
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  Speaker 1: Oh?
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  Speaker 4: I love this. In this season, I'm just obsessed with
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  Speaker 4: speaking about money, so I'm just like so excited for
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  Speaker 4: this conversation.
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  Speaker 2: The same girl, welcome to the show.
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  Speaker 4: Yeah, I feel bad. Why did I start creating content
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  Speaker 4: like this? I saw something on my for you page
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  Speaker 4: that was a what I spend in a week and
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  Speaker 4: it was by a TikTok creator Ella McGrath I think
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  Speaker 4: her name is. I love her content, and I was
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  Speaker 4: so incredibly triggered and I was just like I remember
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  Speaker 4: hearing my internal voice just be like I would never
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  Speaker 4: ever share what I spend my money on on the internet.
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  Speaker 2: But then you did. Though.
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  Speaker 4: Immediately I clocked that, and I was like, that is interesting.
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  Speaker 4: I don't have that feeling about many things. And I
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  Speaker 4: was like, well, that's exactly what I'm going to do.
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  Speaker 4: And it was like the next day I started planning,
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  Speaker 4: Like it took me a little while to plan how
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  Speaker 4: I was going to execute it, but I was like,
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  Speaker 4: this is something I'm going to do.
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  Speaker 2: I love it because it's not just oh, here's how
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  Speaker 2: a budget works, and I feel like so many times
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  Speaker 2: when I see content creators online creating budget content, I
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  Speaker 2: don't know how to articulate this without offending anyone. And
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  Speaker 2: you and Ella are great at being transparent, but there
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  Speaker 2: seems to be this really aspirational vibe from their content
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  Speaker 2: where a lot of people might look at it and go, oh,
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  Speaker 2: they are actually like obviously they're sharing their budget because
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  Speaker 2: they're really good at it. Like, oh, they're obviously sharing
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  Speaker 2: their budget because they're a really high income earner and
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  Speaker 2: you know they can afford for oat lata a day
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  Speaker 2: and that seems really fair, and you kind of go, well,
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  Speaker 2: how have you found this balance? I suppose of just
• 4:07
  Speaker 2: being like, nah, let's be real. It's me. I'm Hannah,
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  Speaker 2: I have a husband, I have a beautiful son, and
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  Speaker 2: you know this is what we spend and this month,
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  Speaker 2: like we didn't save and we had a really great time.
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  Speaker 2: How has that content shaped the type of following that
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  Speaker 2: you've gained since then? Like is it all about being transparent?
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  Speaker 2: Are you now empowered by it? Or are you like
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  Speaker 2: far out? I wish I didn't share that, So I.
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  Speaker 4: Am so empowered by it. I think a big thing
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  Speaker 4: and this obviously ties so much into like my money story.
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  Speaker 4: When I grew up, my family had a lot of
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  Speaker 4: secrecy and shame around money, or it was just something
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  Speaker 4: that was argued about, so it was just like, Okay,
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  Speaker 4: cool money equals problems. So when I grew up to
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  Speaker 4: be an adult and have my own money, I just
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  Speaker 4: had no concept on being sensible with that money. It
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  Speaker 4: was such an uncomfortable relationship with money. So I feel
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  Speaker 4: like I started to notice, especially after becoming a mum,
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  Speaker 4: other moms I would talk to, like I don't know
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  Speaker 4: which just people I was speaking to, but there's just
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  Speaker 4: a lot of secrecy and a lot of like you know,
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  Speaker 4: people holding back when speaking about money. And I just
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  Speaker 4: thought this could be so empowering, Like if I saw
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  Speaker 4: this content five years ago, oh my god, like I
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  Speaker 4: would feel so empowered and so seen. And that was
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  Speaker 4: exactly the feedback I got. People are messaging me just
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  Speaker 4: being like I feel so seen by your content with
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  Speaker 4: your budgeting, like and people stop me on the street
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  Speaker 4: They're like, oh my god, I love your budgeting content.
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  Speaker 4: I'm like, never did I ever one think I'd be
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  Speaker 4: known for budgeting. Secondly, be on a finance podcast like
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  Speaker 4: this is someone who's you know, habitually told myself I'm
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  Speaker 4: bad with money, So it's like, literally, who is she?
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  Speaker 2: So tell me a bit about who you used to be.
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  Speaker 2: I suppose in your TikTok buyo you say used to
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  Speaker 2: be average, but I'm trying to be better. What does
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  Speaker 2: used to be average even mean?
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  Speaker 4: So this is a preface for a lot of my
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  Speaker 4: content in the direction I'm going at the moment. Because
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  Speaker 4: I was like that notorious party girl, terrible with money,
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  Speaker 4: and upon reflection, like my early twenties, mid twenties was
• 5:56
  Speaker 4: a lot of self discovery but kind of catapultar Like
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  Speaker 4: my parents split up when I was in year twelve,
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  Speaker 4: so about twenty twelve, and then my dad passed away
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  Speaker 4: sadly in twenty seventeen. So I was very like fiercely independent.
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  Speaker 4: Like in my early twenties, I was living abroad and
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  Speaker 4: things like that. I had such negative habits like with money,
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  Speaker 4: with lifestyle, with food, with alcohol, and a few years
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  Speaker 4: ago when I met my beautiful partner, he was like
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  Speaker 4: a really big turning point for me, and we both
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  Speaker 4: were just like life can be so much better than this,
• 6:27
  Speaker 4: you know what I mean? One hundred percent just exercise, money, food.
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  Speaker 4: It's funny, like twenty twenty, we went so bad the
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  Speaker 4: same time, we started being hyper aware of like how
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  Speaker 4: we spent our money and how our money behaviors impacted
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  Speaker 4: our happiness.
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  Speaker 2: I love that.
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  Speaker 4: It was like this big, just momentous ball that kept
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  Speaker 4: growing and we just started being better across the board,
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  Speaker 4: and I'm like, wow, our life is so much better now.
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  Speaker 2: Obviously you went through a series of traumas for that,
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  Speaker 2: but often you find that it's one party in a
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  Speaker 2: relationship who wants to go down that route and the
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  Speaker 2: other's like, oh you doing babe, Like this isn't us.
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  Speaker 2: How were you so on the same page about this.
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  Speaker 4: He's Brazilian, so he's just different to Australian men that
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  Speaker 4: I've been with. But he was just immediately like I
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  Speaker 4: can't wait to be a father. He has these really
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  Speaker 4: traditional Brazilian Catholic values and having that like stability with
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  Speaker 4: something I've never experienced before, and it just maybe want
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  Speaker 4: to be better, Like we used to smoke and drink.
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  Speaker 4: Like when you look at how much money you're spending
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  Speaker 4: on alcohol cigarets, it was like what are we doing?
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  Speaker 4: Like this is crazy? It just made sense. I think
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  Speaker 4: when I first said to him about like the direction
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  Speaker 4: I wanted to go, it was a bit of like, oh,
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  Speaker 4: like a bit uncomfortable. Then it was like, this is
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  Speaker 4: the obvious choice.
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  Speaker 2: I love it so much. All Right, I'm gonna ask
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  Speaker 2: you some of the stereotypical money diary questions because you
• 7:43
  Speaker 2: don't get out of those, you just have to do
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  Speaker 2: them publicly. So let's start with grades on money. So
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  Speaker 2: what grade would you give your money habits if I
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  Speaker 2: asked you to give them a grade from A through
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  Speaker 2: to F.
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  Speaker 4: I knew this question was coming, and it's interesting because, like,
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  Speaker 4: I have consumed so much these other money over the years,
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  Speaker 4: it's like quite surreal, like sitting here but also hearing
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  Speaker 4: those questions. And when I thought about the question, my
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  Speaker 4: initial reaction was a lower grade. Yeah, But then I thought,
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  Speaker 4: what do my habits now actually tell us about my
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  Speaker 4: money habits now? So I think I would give myself
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  Speaker 4: a B minus.
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  Speaker 2: I like that you've really thought about it as well,
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  Speaker 2: because I think so many times we just have this
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  Speaker 2: underlying assumption of ourselves that we aren't good at money,
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  Speaker 2: and that you know, even though you're practicing being good
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  Speaker 2: at money, and your budgeting at the moment, it kind
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  Speaker 2: of feels a bit like a cosplay. You're like, oh yeah,
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  Speaker 2: but I'm just practicing that right now. Deep down I'm
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  Speaker 2: not good at it when the reality is like you've
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  Speaker 2: changed your reality. So I love the b minus. I
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  Speaker 2: think that is fantastic. Tell me a little bit more
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  Speaker 2: about I guess your money story as well. So you've
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  Speaker 2: explained that your parents split in grade twelve, which would
• 8:51
  Speaker 2: have been not only traumatic because any parent splitting sucks,
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  Speaker 2: but like year twelve is such a pivotal period of
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  Speaker 2: time as well to go through. So just upheaving, tell
• 9:03
  Speaker 2: us a little bit more about I guess how you
• 9:05
  Speaker 2: learned about money growing up and then what you're trying
• 9:08
  Speaker 2: to teach your son about money.
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  Speaker 4: Okay, So being a parent now, it's really shone a
• 9:15
  Speaker 4: light on like just how different parenting was for our
• 9:17
  Speaker 4: parents generation. Like everyone has different information accessible to them,
• 9:21
  Speaker 4: but it was a different world in the parenting game.
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  Speaker 4: And I feel like my parents had a lot of
• 9:25
  Speaker 4: conversations around us as kids that I probably wouldn't have
• 9:31
  Speaker 4: around my children, and especially with money, like it was
• 9:34
  Speaker 4: just always a point of arguing or it was like
• 9:37
  Speaker 4: kind of used as you know, a tool, like oh,
• 9:40
  Speaker 4: can I have this thing as a kid, And it's
• 9:41
  Speaker 4: like no, because we've spent the money on X. You know,
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  Speaker 4: it's just like not information that you need as a child.
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  Speaker 2: No, And it feels overwhelming, like you just go, oh sorry, dad, Like,
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  Speaker 2: oh now I feel like a burden and a child
• 9:52
  Speaker 2: should never feel like a burden.
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  Speaker 4: Oh one hundred percent, you feel guilty. Let's be real.
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  Speaker 4: It was really messy and my dad was a a contractor,
• 10:01
  Speaker 4: I guess, like a consultant, so there would be like
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  Speaker 4: big influxes of money and then big spendings of money,
• 10:06
  Speaker 4: so they'd be like one like really lavish Christmas and
• 10:08
  Speaker 4: like lots of presents, and then they would be like
• 10:10
  Speaker 4: really tight. They'd be like no money. So it was
• 10:12
  Speaker 4: just really unstable. So I think I had this association
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  Speaker 4: with money that it was not stable, not safe, can't
• 10:17
  Speaker 4: be talked about healthily and just yuck.
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  Speaker 2: Yeah fair, and like that's kind of what you were
• 10:22
  Speaker 2: shown as well. And I think it's so challenging for
• 10:25
  Speaker 2: kids because like you don't conceptualize you know, erratic income,
• 10:29
  Speaker 2: like you can't understand oh well dad just got this
• 10:32
  Speaker 2: really big contract and that makes sense. You just go,
• 10:35
  Speaker 2: why did we have that? Now we don't have that,
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  Speaker 2: Like you feel like you've lost something. And I think
• 10:40
  Speaker 2: that that carries through to adulthood and the way that
• 10:42
  Speaker 2: we spend, and often if we've been through traumatic periods
• 10:46
  Speaker 2: like that, we start spending without a lot of regard
• 10:50
  Speaker 2: because you just go, oh, well, money comes and goes,
• 10:52
  Speaker 2: like we'll probably come into a big bulk amount of
• 10:55
  Speaker 2: it at some point and we'll be fine and I'll
• 10:57
  Speaker 2: pay off that debt. But it's not necessarily true.
• 11:00
  Speaker 4: I worked since I was like fourteen, and then when
• 11:02
  Speaker 4: I turned eighteen, went stra right to the bank, got
• 11:07
  Speaker 4: a credit card, and went to Europe.
• 11:11
  Speaker 2: Yep, slay like it's not even a bad thing to
• 11:14
  Speaker 2: talk about. I think it's just I didn't have the
• 11:17
  Speaker 2: level of financial literacy that I want to afford everybody
• 11:21
  Speaker 2: and else. She's on the money community, right, Like I
• 11:24
  Speaker 2: grew up with a dad who was fantastic at money,
• 11:27
  Speaker 2: like he's an accountant, Like he's brilliant at it. I
• 11:30
  Speaker 2: just look at it and go I wasn't ready to
• 11:33
  Speaker 2: hear what he wanted to share with me, though, And
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  Speaker 2: I find that's so interesting because so many times people
• 11:39
  Speaker 2: will say like, oh, yeah, well your dad was an
• 11:41
  Speaker 2: account it makes sense that your financial advice, right, Arahan,
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  Speaker 2: I'm like no, Like I think I automatically just bucked
• 11:48
  Speaker 2: at you know, this idea that my parents knew what
• 11:50
  Speaker 2: they were talking about. Like, you know, I remember crying
• 11:53
  Speaker 2: at the dining table because my dad would be like,
• 11:56
  Speaker 2: you have to do your maths homework or you have
• 11:57
  Speaker 2: to learn your times tables or whatever, and I'd literally
• 11:59
  Speaker 2: be like crying because I didn't want to do it.
• 12:01
  Speaker 4: A big you don't know how hard it is.
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  Speaker 2: And then I became this adult who needed to get
• 12:06
  Speaker 2: into debt so that I learnt how painful that was
• 12:09
  Speaker 2: so I could get out of debt and now teach
• 12:11
  Speaker 2: others how to stay out of it. And a lot
• 12:13
  Speaker 2: of people go, don't you regret that? And I go, well,
• 12:14
  Speaker 2: not really, like it's part of my journey and sorry, Dad,
• 12:18
  Speaker 2: still love you, Please don't hate me for this.
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  Speaker 4: I love that.
• 12:21
  Speaker 2: Sorry I didn't listen.
• 12:22
  Speaker 4: And that's such a beautiful like time because when I
• 12:26
  Speaker 4: did go to Europe, like, yeah, I had some big
• 12:27
  Speaker 4: years and I had to learn that lesson too. But
• 12:30
  Speaker 4: when I was learning that lesson was right when she's
• 12:32
  Speaker 4: on the money started. Oh, welcome, welcome, And I remember
• 12:35
  Speaker 4: someone at my work just being like, have you listened
• 12:38
  Speaker 4: to that? I started listening and that was like the
• 12:41
  Speaker 4: start of me getting out of debt. And that was
• 12:43
  Speaker 4: the start of everything, like this whole journey, which is like,
• 12:46
  Speaker 4: when did she'sa on the Money start? What year?
• 12:48
  Speaker 2: Oh, like twenty eighteen, twenty nineteen depends on whether you
• 12:51
  Speaker 2: were introduced to the podcast or the Facebook group podcast.
• 12:55
  Speaker 4: Yeah, okay, so twenty nineteen. Wow, Yeah, that was the
• 12:58
  Speaker 4: beginning of it all. So I was like, yeah, about
• 12:59
  Speaker 4: twenty five that was when I started getting out of debt.
• 13:01
  Speaker 4: And that was like just listening to you, having you
• 13:03
  Speaker 4: in my ears and having the community members and you.
• 13:06
  Speaker 4: I think that was the start of such an incredible
• 13:08
  Speaker 4: revolution for millennial Australian women to hear that other people
• 13:11
  Speaker 4: were going through money shit and they're not just like
• 13:13
  Speaker 4: the only one, you know, And that's what it was
• 13:16
  Speaker 4: for me. And I was like, Okay, I can do this,
• 13:18
  Speaker 4: and I got out of like twenty grand of debt,
• 13:19
  Speaker 4: which was just insane.
• 13:20
  Speaker 2: Oh my gosh, I love that so much. I adore it. Hannah.
• 13:24
  Speaker 2: We know you're an R and B artist, You're a
• 13:25
  Speaker 2: content creator. You're a mum, but we now need to
• 13:28
  Speaker 2: know the deep nitty gritty what do you technically do
• 13:31
  Speaker 2: for work and how much money are you earning?
• 13:34
  Speaker 4: Okay, so technically I am a content creator. I have
• 13:38
  Speaker 4: a business where I do content strategy, so I work
• 13:41
  Speaker 4: with business owners and content creators to grow their social
• 13:44
  Speaker 4: medias and it's all kind of under the same umbrella.
• 13:47
  Speaker 4: So I have content strategy, and I'm a content creator,
• 13:50
  Speaker 4: and I do music, and I earn income from all
• 13:51
  Speaker 4: three of those avenues.
• 13:53
  Speaker 2: That is literally so slay. If we said a percentage breakdown,
• 13:58
  Speaker 2: would you say that, like, content strategy is number one,
• 14:01
  Speaker 2: then your content creator is number two, and music is three.
• 14:06
  Speaker 4: Yes, that's very accurate at the moment, I would say.
• 14:09
  Speaker 4: So my business is Socially Sands. That's my content strategy business.
• 14:12
  Speaker 4: And it's in its first year officially started in July
• 14:15
  Speaker 4: after I came off maternity leave with my son. It's
• 14:18
  Speaker 4: always changing, but I've estimated this year gross I'll earn
• 14:21
  Speaker 4: about one sixty.
• 14:23
  Speaker 2: How good is that? Oh? Yeah, first year out? Oh,
• 14:26
  Speaker 2: I'll just earn one sixty. What they're hecking? How did
• 14:30
  Speaker 2: you go from being Oh, I'm on Matt leave. You
• 14:33
  Speaker 2: know what I'm going to do come July. I'll start
• 14:35
  Speaker 2: my own business. And it's not just going to be
• 14:37
  Speaker 2: like a small business where I have to sacrifice a lot.
• 14:40
  Speaker 2: How have you gone from being, you know, literally on
• 14:43
  Speaker 2: matt leave to earning approximately one sixty Well.
• 14:47
  Speaker 4: One of my favorite things to talk about and the
• 14:49
  Speaker 4: way that we connected is TikTok. And I was like
• 14:52
  Speaker 4: so many other millennial women who was just like, I
• 14:55
  Speaker 4: don't get TikTok. It's just people dancing. I don't understand it,
• 14:59
  Speaker 4: Like I'll i'll ever be on there. And when my
• 15:02
  Speaker 4: son was six months old and I was me and
• 15:05
  Speaker 4: I was giving myself the ick, like as an artist,
• 15:07
  Speaker 4: you hear about how transformational TikTok can be for people,
• 15:11
  Speaker 4: and I was like, why am I like this? Like
• 15:12
  Speaker 4: why do I have this limiting belief that I can't
• 15:14
  Speaker 4: do it? It's because I wasn't really giving it my all.
• 15:17
  Speaker 4: And I've always been working. I was in postpartum on
• 15:20
  Speaker 4: attorney leave, but I have time, yeah, And I decided
• 15:22
  Speaker 4: to go all in on content creation. And I spent
• 15:25
  Speaker 4: like a good few months just figuring out the ins
• 15:27
  Speaker 4: and outs of TikTok and really forming a strategy. Well,
• 15:31
  Speaker 4: last year alone, I've grown to almost fifty thousand followers
• 15:33
  Speaker 4: on TikTok and that's hard to do now, I mean
• 15:36
  Speaker 4: it is, but there's definitely formulas. And that's why I
• 15:39
  Speaker 4: started my business socially stands because I had so many
• 15:41
  Speaker 4: people coming to me being like, how do you do it?
• 15:43
  Speaker 4: How do you do it? And I was like, I
• 15:44
  Speaker 4: wonder if I can apply this to everyone else, And
• 15:47
  Speaker 4: surely enough I can. And I have worked with so
• 15:50
  Speaker 4: many incredible content creators, moms, business owners, like brand owners,
• 15:55
  Speaker 4: and I'm like, Okay, there's a real thing here of
• 15:57
  Speaker 4: helping people. So yeah, yeah, I've started working with so
• 16:00
  Speaker 4: many beautiful creators and the demand just grew and grew.
• 16:04
  Speaker 4: Obviously because there's that demand, I guess for people who
• 16:09
  Speaker 4: want to step into that want to grow the audiences,
• 16:11
  Speaker 4: they can't figure it out. I started, and I really
• 16:13
  Speaker 4: like leant in and it just has been kind of insane,
• 16:17
  Speaker 4: Like I feel like even one sixty is like conservative
• 16:19
  Speaker 4: for this year, Like it's a big time.
• 16:21
  Speaker 2: I love it and I love the growth. Tell us
• 16:24
  Speaker 2: a little bit about what does your husband do and
• 16:26
  Speaker 2: how much on average is he earning to bring to
• 16:29
  Speaker 2: the table for this, like whole budgeting content that you
• 16:31
  Speaker 2: put out.
• 16:33
  Speaker 4: So my partner is a casual barber. He works four
• 16:36
  Speaker 4: days a week, so he's home with us three days
• 16:38
  Speaker 4: a week and he earns roughly fifty k I.
• 16:42
  Speaker 2: Just love watching your content. I obviously am about to
• 16:46
  Speaker 2: have my own baby, which is really really fun, and
• 16:49
  Speaker 2: watching your husband be a dad, I'm like, I hope
• 16:52
  Speaker 2: this is what it's like, Gwen Steve becomes a dad,
• 16:55
  Speaker 2: because you can just see how engaged he is in
• 16:58
  Speaker 2: the process and how much love there is in your family.
• 17:01
  Speaker 2: Like it's one of the things that I just really
• 17:03
  Speaker 2: love following you for because I just go, it's not
• 17:05
  Speaker 2: just budgeting, it's not just this, like your lifestyle is
• 17:08
  Speaker 2: something to be envied. I'm just like, they're always so happy.
• 17:11
  Speaker 2: Like the other day you posted this video of you
• 17:13
  Speaker 2: guys just dancing in the kitchen, and I was like,
• 17:15
  Speaker 2: that's what I want.
• 17:18
  Speaker 4: I love that. I mean, look, it's definitely not always happy.
• 17:21
  Speaker 4: The relationship after baby is a big shift, and it's
• 17:26
  Speaker 4: a beautiful shift and it's an evolution, but it's definitely
• 17:30
  Speaker 4: not thousand rainbows and smiles all the time. We also
• 17:34
  Speaker 4: don't have a heap of support. Polo's family is obviously
• 17:36
  Speaker 4: in Brazil, and I just don't have much family around,
• 17:39
  Speaker 4: so it's been a real initiation and step up in
• 17:42
  Speaker 4: our relationship. But I do always try to keep it
• 17:46
  Speaker 4: real with my community as well, because sometimes I'm just
• 17:49
  Speaker 4: like wow, like the mum rage early on, I was like, wow,
• 17:53
  Speaker 4: I've never been so angry. It's okay now, and I
• 17:56
  Speaker 4: don't want to freak you out, but like.
• 17:58
  Speaker 2: No, I can see it coming for me. I can
• 18:00
  Speaker 2: just see it manifesting.
• 18:02
  Speaker 4: Oh yeah, the rage was realized, Like okay, And you
• 18:05
  Speaker 4: know that has well connected me with my community because
• 18:07
  Speaker 4: a lot of mums are just like, we don't want
• 18:09
  Speaker 4: to see just esthetic, gorgeous people online all the time,
• 18:13
  Speaker 4: like it's not realistic. Like we want to hear how
• 18:15
  Speaker 4: creators feel after you've had a blout with your partner.
• 18:17
  Speaker 4: How do you feel? What are you working through? What
• 18:18
  Speaker 4: are the steps we're taking? You know, Like it's a
• 18:21
  Speaker 4: whole beautiful mess. And although sometimes we are gorgeously happy
• 18:25
  Speaker 4: and I feel like we are building out a life
• 18:27
  Speaker 4: that we really value and really desire, sometimes it's difficult
• 18:31
  Speaker 4: as well and messy and ugly.
• 18:33
  Speaker 2: I love the transparency. I think it's really really important.
• 18:36
  Speaker 2: Tell me a bit more about money, though. I want
• 18:38
  Speaker 2: to know what are your big money goals this year?
• 18:40
  Speaker 2: What are you currently working towards.
• 18:43
  Speaker 4: So this is a tricky question for me because I'm like,
• 18:47
  Speaker 4: I want to set these big goals, and I have
• 18:50
  Speaker 4: goals that I'm working towards, but I think they're not
• 18:53
  Speaker 4: like tangible things necessarily. I think one of my big
• 18:56
  Speaker 4: goals is we want to have another baby.
• 18:58
  Speaker 2: Yes, more babies, more off I know.
• 19:02
  Speaker 4: Look, my partner's Brazilian. Big families are really common in Brazil,
• 19:06
  Speaker 4: and we want a big family. But if I'm going
• 19:08
  Speaker 4: to be in this serious role as my own business owner,
• 19:11
  Speaker 4: I need to have shit sorted up because I need
• 19:14
  Speaker 4: to be able to put myself on attorney leave. I
• 19:16
  Speaker 4: need to know what that looks like. This is just
• 19:18
  Speaker 4: all new for us, you know. So I think a
• 19:20
  Speaker 4: money goal this year is to have like that plan
• 19:23
  Speaker 4: kind of clear of if we're blessed to get pregnant again,
• 19:28
  Speaker 4: how that looks and what that looks like, and how
• 19:31
  Speaker 4: I can go on mattornity leave. And then I think
• 19:33
  Speaker 4: the big thing there is that my partner wouldn't actually
• 19:36
  Speaker 4: return to work.
• 19:37
  Speaker 2: Yeah, and I think that that's really beautiful, but it's
• 19:40
  Speaker 2: a compromise that you need to make in order to
• 19:42
  Speaker 2: have the life you want. Right, Like, we're in the
• 19:45
  Speaker 2: middle of working out what this looks like for us,
• 19:47
  Speaker 2: and baby's not here yet, but we'll be very very soon,
• 19:51
  Speaker 2: and my husband's taking the first six months off. And
• 19:54
  Speaker 2: it's strange watching people's responses to that as well, because
• 19:58
  Speaker 2: you know, you're the bread winner in you family at
• 20:00
  Speaker 2: the moment, and I am as well. And you know,
• 20:03
  Speaker 2: my husband loves his job, like as I'm sure yours does.
• 20:07
  Speaker 2: But you just go, well, what compromise do we need
• 20:10
  Speaker 2: to make to make this work to give our babies
• 20:13
  Speaker 2: the life that we think they deserve. Like I don't
• 20:15
  Speaker 2: want to have them in daycare full time. And I'm
• 20:19
  Speaker 2: not saying that's even a bad thing. I just don't
• 20:20
  Speaker 2: want that. Like I might turn around and go actually
• 20:23
  Speaker 2: change my mind. We're on a daycare wait list anyway,
• 20:26
  Speaker 2: because I'm like, well, what if I after six months my
• 20:28
  Speaker 2: husband doesn't like staying home, Like, I don't want him
• 20:31
  Speaker 2: to feel forced into, you know, a lifestyle that he,
• 20:34
  Speaker 2: you know, isn't in love with. So I think there's
• 20:36
  Speaker 2: so many moving parts of it, but even just us,
• 20:40
  Speaker 2: like we have been planning this baby since like twenty twenty,
• 20:43
  Speaker 2: and like then we decided, okay, we'll get engaged, then
• 20:46
  Speaker 2: we'll get married, and then once we get married, we'll
• 20:48
  Speaker 2: try and then you know, we obviously had a number
• 20:50
  Speaker 2: of complications along the way and so it didn't work
• 20:53
  Speaker 2: out the way we thought. But we've been budgeting since
• 20:56
  Speaker 2: then to go all right, well Victorian needs to take
• 20:59
  Speaker 2: time off. That means how are we covering all of
• 21:02
  Speaker 2: our expenses? How are we you know, going to deal
• 21:05
  Speaker 2: with this? How am I going to keep my business
• 21:08
  Speaker 2: up and running during a period of time where I
• 21:10
  Speaker 2: have to step out? I'm the face of the business.
• 21:12
  Speaker 2: How does that work? It is a lot to take.
• 21:15
  Speaker 4: On, It is and I think I want to say, like,
• 21:19
  Speaker 4: how just cool that is to have that conversation with
• 21:21
  Speaker 4: you and be here and be like, you know, just
• 21:23
  Speaker 4: to hear you say you know, you're the red winner
• 21:24
  Speaker 4: of your family and soul. Am I Like, what an
• 21:26
  Speaker 4: incredible time and how incredible just to be sitting here
• 21:29
  Speaker 4: and having that conversation as well, because this isn't something
• 21:32
  Speaker 4: I imagine for myself, you know, it's all happening. But
• 21:35
  Speaker 4: I think you're right, Like, there's not that many people
• 21:37
  Speaker 4: having conversations like that, and it is interesting, even with
• 21:41
  Speaker 4: sharing my money so transparently, people have like predetermined ideas
• 21:45
  Speaker 4: about me in my life. It's like, you know, people
• 21:47
  Speaker 4: will be like, wow, how rich are you and like
• 21:49
  Speaker 4: it's interesting. But I think even a few people I
• 21:51
  Speaker 4: have said, are now the entire world that like, you know,
• 21:54
  Speaker 4: oh yeah my goals like retire my husband. I mean,
• 21:57
  Speaker 4: like it's not like that, but it's just like, I
• 22:00
  Speaker 4: think our life looks so much fuller with me being
• 22:03
  Speaker 4: able to work with like a flexible schedule and him
• 22:05
  Speaker 4: being able to stay home with our babies. And he
• 22:07
  Speaker 4: loves the idea. Like I'm not speaking for him, but
• 22:10
  Speaker 4: it's a really powerful conversation and a really incredible evolution
• 22:16
  Speaker 4: of our family and of your family, and it's just
• 22:17
  Speaker 4: like it's so exciting. I'm just so here for it.
• 22:20
  Speaker 2: I am also so here for it. I think I
• 22:22
  Speaker 2: just assumed everybody would be so much more like yeah,
• 22:25
  Speaker 2: that just makes sense. But a lot of people like, wait,
• 22:28
  Speaker 2: what's your husband going to do at home? Like what's
• 22:30
  Speaker 2: he going to do? I'm like, why an't we asking
• 22:32
  Speaker 2: this if women like you guys are here saying, oh,
• 22:35
  Speaker 2: are you sure your husband will like that? I'm like,
• 22:37
  Speaker 2: just like your husband, My husband, I think wanted babies
• 22:40
  Speaker 2: the day that we met, Like he would have had
• 22:42
  Speaker 2: babies like way way, way, way, way ago. I have
• 22:44
  Speaker 2: been the problem, Like I am the issue. I'm the
• 22:47
  Speaker 2: one that's like, look, I actually do really want to
• 22:48
  Speaker 2: get married first. I would really like to buy our
• 22:50
  Speaker 2: first property first. And like every time, he'd just roll
• 22:53
  Speaker 2: his eyes and be like, fine, let's do this and
• 22:55
  Speaker 2: then can I have the baby? Like does that make sense?
• 22:58
  Speaker 2: And I think so many times people look it and go,
• 23:00
  Speaker 2: what's your husband going to do? And I'm like, my
• 23:02
  Speaker 2: husband is so capable and so kind. The only thing
• 23:07
  Speaker 2: I don't think he's going to be able to do, guys,
• 23:09
  Speaker 2: is breastfeed. And that's fine. Absolutely everything else is going
• 23:13
  Speaker 2: to be covered, Like, that's fine. I'll take the breastfeeding
• 23:16
  Speaker 2: journey on, no worries. I'm just taking one for the team.
• 23:19
  Speaker 2: But people are so confused when you flip that gender
• 23:24
  Speaker 2: narrative and they go, wait, what do you mean You're
• 23:26
  Speaker 2: not planning on spending that much time at home, don't
• 23:28
  Speaker 2: you have to recover, and I'm like, of course, I'll
• 23:30
  Speaker 2: give my body time to recover. But like I thrive
• 23:33
  Speaker 2: in business, I love my team, I love my work,
• 23:37
  Speaker 2: I love my community, and I just don't want to
• 23:40
  Speaker 2: spend that much time away. If that changes, though, Guys,
• 23:42
  Speaker 2: don't worry. I've got heaps of content banked for you,
• 23:45
  Speaker 2: so you're not going to miss out. Let's go to
• 23:47
  Speaker 2: a really quick break because on the flip side, I
• 23:49
  Speaker 2: have so many more questions for you, Hannah. Guys, don't
• 23:52
  Speaker 2: go anywhere. All right, we are back with Hannah Sans,
• 23:59
  Speaker 2: who is a gorgeous R and B artist and content
• 24:02
  Speaker 2: creator and mum and business owner and all around hustler. Hannah,
• 24:07
  Speaker 2: I want to know when it comes to investments, are
• 24:09
  Speaker 2: you investing If so in what if not? Do you
• 24:13
  Speaker 2: have a plan?
• 24:14
  Speaker 4: Oh?
• 24:14
  Speaker 2: Triggered, No, not meant to be triggering.
• 24:18
  Speaker 4: I think it's just this journey where I'm like constantly
• 24:20
  Speaker 4: wanting to be better, and I'm like, that is definitely
• 24:22
  Speaker 4: something that I do. I mean, she's on the money,
• 24:25
  Speaker 4: literally taught me about investing. I'd never heard about investing before,
• 24:28
  Speaker 4: and then just going down this like massive run of
• 24:32
  Speaker 4: all the things I think investing in properties is definitely
• 24:36
  Speaker 4: something that feels aligned for us. We own our home
• 24:38
  Speaker 4: that we're in now, and I think that's what happened
• 24:41
  Speaker 4: when we were kind of going down the road of
• 24:43
  Speaker 4: becoming more financially literate, deciding whether to invest in some investments,
• 24:48
  Speaker 4: and then we got pregnant and decided to try to
• 24:52
  Speaker 4: get into the property market, and that's what we did.
• 24:54
  Speaker 4: But definitely goals is to be investing in the near future.
• 24:58
  Speaker 2: I adore it, and I think we need to break
• 25:00
  Speaker 2: down this idea that you have to already be investing
• 25:03
  Speaker 2: to be good, Like you have the financial literacy to
• 25:06
  Speaker 2: know what you need and how that works and where
• 25:09
  Speaker 2: you're going. And that's what I want to afford people
• 25:12
  Speaker 2: with not necessarily go all right, well where's your share portfolio,
• 25:15
  Speaker 2: Chop chop, let's get on it. It's more you know
• 25:18
  Speaker 2: when that can fit into your lifestyle. You know when
• 25:21
  Speaker 2: that's gonna work. Because, as it turns out, Hannah, money's
• 25:25
  Speaker 2: not unlimited, Like you can't just do everything all at once,
• 25:28
  Speaker 2: and when you're creating this journey, it's kind of like
• 25:31
  Speaker 2: there are key milestones along the way and we can't
• 25:34
  Speaker 2: hit them all at one time. Like that's unreasonable and
• 25:37
  Speaker 2: really really unrealistic.
• 25:38
  Speaker 4: So true.
• 25:39
  Speaker 2: So tell me about debt. So have you been in debt?
• 25:43
  Speaker 2: You mentioned it before. Are you in debt currently? What
• 25:46
  Speaker 2: does that look like for you?
• 25:47
  Speaker 4: So? I'm currently in four hundred and fifty thousand dollars
• 25:51
  Speaker 4: of debt with this beautiful home. I've gotten out of
• 25:55
  Speaker 4: personal debt, which is just so wild because there was
• 25:58
  Speaker 4: definitely a time literally for you years ago, where I
• 26:00
  Speaker 4: just could never imagine getting out when you're so under it.
• 26:04
  Speaker 4: You know, you have twenty thousand dollars and you're like, yeah,
• 26:06
  Speaker 4: two hundred dollars, Like yeah, it's chipping away, but then
• 26:09
  Speaker 4: it does compound and you're like, oh my god, I'm
• 26:12
  Speaker 4: actually going to get out of this, and then like
• 26:13
  Speaker 4: closing the account. I mean, it feels like an afterthought now,
• 26:16
  Speaker 4: but it was a huge part of my twenties, and
• 26:18
  Speaker 4: that's as well with my content, Like I hope that
• 26:20
  Speaker 4: people who are listening and are on that journey because
• 26:23
  Speaker 4: I just so see you and I so resonate with
• 26:26
  Speaker 4: that feeling of just being like this is me, Like
• 26:28
  Speaker 4: this is just me forever now, you know. Yeah, being
• 26:31
  Speaker 4: out of that feels really good.
• 26:33
  Speaker 2: I adore that so much. What do you think your
• 26:36
  Speaker 2: best money habits are. I feel like you've got a
• 26:38
  Speaker 2: few nowadays, and I think you should share.
• 26:41
  Speaker 4: Best money habits now would be since starting this budgeting series,
• 26:45
  Speaker 4: it's like the Chicken and the Egg right, Like the
• 26:47
  Speaker 4: content actually came first. I was like, I want to
• 26:49
  Speaker 4: do this, like content, what does that actually look like?
• 26:51
  Speaker 4: And I realized I had to go through my expenses
• 26:53
  Speaker 4: and track my expenses. So it's like that has been
• 26:57
  Speaker 4: kind of revolutionary for our family, like actually looking where
• 27:00
  Speaker 4: our money goes. There's a piece of content that went
• 27:02
  Speaker 4: like semi viral in the first week when I was
• 27:05
  Speaker 4: beginning to track our expenses and I realized we were
• 27:08
  Speaker 4: spending seventy dollars a week on eggs.
• 27:11
  Speaker 2: We eating all these eggs or were throwing them at
• 27:13
  Speaker 2: our arch nemesis, Like how many eggs is that?
• 27:18
  Speaker 4: Literally, I don't even want to talk about it. Look
• 27:21
  Speaker 4: as I share my content our values, like we really
• 27:23
  Speaker 4: like organic and local food, so we get our food
• 27:25
  Speaker 4: from the local farmer's market. It's organic, it comes with
• 27:28
  Speaker 4: the price increase. That's just the way it is. We
• 27:30
  Speaker 4: don't really like to eat meat and any animal prodiduce
• 27:33
  Speaker 4: from the supermarket, so it comes with the price increase,
• 27:35
  Speaker 4: and where Fin'm with that, we're adapting our lifestyle to
• 27:37
  Speaker 4: suit that because it's a value of our So eggs
• 27:40
  Speaker 4: ain't cheap, baby, they're like twelve dollars a corton.
• 27:43
  Speaker 2: Oh my gosh, But what are you doing with all
• 27:46
  Speaker 2: these eggs? Genuinely, I need to know, like are we
• 27:49
  Speaker 2: just eating eggs every day for breakfast? Like you didn't
• 27:52
  Speaker 2: address the fact that I asked you if we're throwing
• 27:54
  Speaker 2: them at our arch nemesis? Like what are we doing
• 27:56
  Speaker 2: with so many eggs? Like take us through the egg
• 27:59
  Speaker 2: consumption in a week?
• 28:00
  Speaker 4: No arch Nemesis, eggs have been thrown. We do eat
• 28:05
  Speaker 4: a lot of eggs. We have like three eggs each
• 28:08
  Speaker 4: for breakfast. My son has two eggs for breakfast. My
• 28:10
  Speaker 4: son's one and he's Brazilian. Heats a lot.
• 28:13
  Speaker 2: Yeah, okay, you know that's.
• 28:15
  Speaker 4: Eight eggs in the morning. Darn't in one day.
• 28:18
  Speaker 2: I can't deal with that. That's so many eggs.
• 28:20
  Speaker 4: My partner bakes, so like you know, he'll bake, He'll
• 28:23
  Speaker 4: cook like a key shore of for Tata that's got
• 28:25
  Speaker 4: a lot of eggs. And then he'll make like a
• 28:27
  Speaker 4: custard that's got ten egg eggs in it.
• 28:28
  Speaker 2: Yeah, yeah, okay, so you're just eating really well and
• 28:31
  Speaker 2: I'm actually quite envious of it. But I have in
• 28:33
  Speaker 2: my head, like my sister and I talk about this
• 28:36
  Speaker 2: all the time, and this is really rogue and totally
• 28:39
  Speaker 2: not meant to go on the show. But like in
• 28:41
  Speaker 2: my head, I have an egg rule, like I can
• 28:43
  Speaker 2: only consume three eggs a day. So like if I
• 28:46
  Speaker 2: had like two eggs for breakfast on toast, like I
• 28:49
  Speaker 2: have one egg to spend later on a snack. If
• 28:52
  Speaker 2: you said to me, oh, you had scrambled eggs, well sorry,
• 28:55
  Speaker 2: I know there's probably three eggs in that can't consume
• 28:57
  Speaker 2: eggs for the rest of the day. I don't know
• 28:59
  Speaker 2: where this rule comes from. It can't even be that healthy,
• 29:02
  Speaker 2: because eggs are great for you. But in my head,
• 29:05
  Speaker 2: three eggs, we're done. Like it's just an egg rule.
• 29:08
  Speaker 2: And my sister brought it up.
• 29:09
  Speaker 4: There's a cap three and you're out.
• 29:10
  Speaker 2: Yeah yeah, yeah, like three and done. And my sister
• 29:13
  Speaker 2: ages ago brought it up, and I was like, why
• 29:15
  Speaker 2: we like this, Where did this come from? What is
• 29:18
  Speaker 2: this about? Why have we got an egg rule. Maybe
• 29:21
  Speaker 2: it's because they're so expensive. We do not share that rule,
• 29:25
  Speaker 2: We absolutely don't. So what other good money habits do
• 29:28
  Speaker 2: you have now that you didn't have previously?
• 29:30
  Speaker 4: Circling back like to the tracking expenses, that's just a
• 29:32
  Speaker 4: massive one. It's time consuming, like going back, I mean
• 29:35
  Speaker 4: this and like subtle plug but like I've switched to
• 29:37
  Speaker 4: upbank and like being able to see the breakdown has
• 29:41
  Speaker 4: been so helpful because before I was literally going manually
• 29:43
  Speaker 4: every single week, but we got rid of so many subscriptions,
• 29:46
  Speaker 4: We got rid of so many spendings that just weren't
• 29:48
  Speaker 4: serving us. I think this is a good habit that
• 29:50
  Speaker 4: I can touch on, which is just like before when
• 29:53
  Speaker 4: I started, there was so much miscellaneous spending, like of
• 29:57
  Speaker 4: stuff that I just couldn't even tell you why we
• 29:59
  Speaker 4: were spending on those. So I think that's a really
• 30:01
  Speaker 4: good money habit. Yeah, I think that's pretty much my
• 30:04
  Speaker 4: good money habits at the moment.
• 30:05
  Speaker 2: I love it all right, Surely there are some left over,
• 30:07
  Speaker 2: little naughty money habits. What do you think are your
• 30:10
  Speaker 2: worst money habits at this point in time? Is it eggs?
• 30:14
  Speaker 4: It's not eggs. I'm going to classify that as a
• 30:15
  Speaker 4: good money habit because my gut lady loves me for it.
• 30:18
  Speaker 4: I am gonna say, I think that the way that
• 30:23
  Speaker 4: we grow up around money is so deeply rooted in us,
• 30:25
  Speaker 4: and I still have to kind of catch myself with
• 30:29
  Speaker 4: spending large amounts. I think it's a fine line of like,
• 30:33
  Speaker 4: I've never earned this much money in my life, so
• 30:35
  Speaker 4: it's a fine line between when I'm going to spend
• 30:37
  Speaker 4: something and I'm stopping myself. Is that because I'm scared
• 30:40
  Speaker 4: that it's a bad money habit because I'm like unconsciously
• 30:44
  Speaker 4: spending thinking it's going to come back to me or
• 30:46
  Speaker 4: can I afford this thing? I don't have that self
• 30:49
  Speaker 4: trust yet. I'm trying to figure that out. So it's
• 30:50
  Speaker 4: like that in itself is a bad money habit.
• 30:53
  Speaker 2: Yeah, are you budgeting for like discretionary things or like
• 30:57
  Speaker 2: fun money or things to spend on yourself. I feel
• 30:59
  Speaker 2: like as women, especially as we step into this you know,
• 31:04
  Speaker 2: different era of being a parent and a wife, we
• 31:07
  Speaker 2: kind of step back and go, oh, there's not much
• 31:09
  Speaker 2: room for me. Like you'll happily spend it on your
• 31:11
  Speaker 2: husband or you're a child, but you'll never spend it
• 31:14
  Speaker 2: on yourself. Like, is that something you're allocating or trying
• 31:17
  Speaker 2: to find a little bit more wiggle room for, or
• 31:20
  Speaker 2: is this something that you're like, no, V, I haven't
• 31:22
  Speaker 2: really thought about it. This is probably the problem.
• 31:24
  Speaker 4: Okay. So I love that you touched on this because
• 31:26
  Speaker 4: I don't know what it is about my husband. I'm
• 31:29
  Speaker 4: just obsessed with him and I love spoiling him. He's
• 31:31
  Speaker 4: such a humble beginnings guy, Like he comes from a
• 31:34
  Speaker 4: really small town in Brazil. The first flight he ever
• 31:36
  Speaker 4: got on was to Australia when he was like in
• 31:38
  Speaker 4: his late twenties.
• 31:39
  Speaker 2: Can we decide, no, how did you meet? Because I
• 31:42
  Speaker 2: love love?
• 31:43
  Speaker 4: Okay, we love love. I used to manage a hospitality
• 31:46
  Speaker 4: and events business in Brisbane and a short walk was
• 31:48
  Speaker 4: a barber shop where there was a coffee shop at
• 31:50
  Speaker 4: the window that where everyone would go and get their coffee.
• 31:52
  Speaker 4: So I'd go there, like multiple times a day and
• 31:54
  Speaker 4: get a coffee and I'd see him cutting hair.
• 31:56
  Speaker 2: They're sure it was for the coffee.
• 31:58
  Speaker 4: Well it was in the beginning. And I remember saying
• 32:01
  Speaker 4: to my friend who managed the barber shop, like, what's
• 32:04
  Speaker 4: that guy's deal?
• 32:04
  Speaker 1: You know?
• 32:05
  Speaker 4: She was like, no, now he has a girlfriend. You know,
• 32:07
  Speaker 4: and I would kind of give him the eye and
• 32:08
  Speaker 4: he would just like completely shut it down, which now
• 32:10
  Speaker 4: upon reflection, I'm like, green flag, yeah.
• 32:12
  Speaker 2: Yeah, yeah, one hundred percent green flag, go off king yeah,
• 32:15
  Speaker 2: like you protect your space. I like that.
• 32:17
  Speaker 4: Literally, he fully called Shotter. And this was years and
• 32:20
  Speaker 4: there was always a little bit of like I'd always
• 32:22
  Speaker 4: see him around like whatever. And then years later covid
• 32:26
  Speaker 4: Era and he popped up on my Tinder.
• 32:28
  Speaker 2: Oh hello, obviously that girlfriend thinks not a.
• 32:31
  Speaker 4: Thing literally, and I was like, okay, you're single, fabulous
• 32:35
  Speaker 4: messaged his colleagues at the barber shop, being like hook
• 32:37
  Speaker 4: it up. No you didn't.
• 32:39
  Speaker 2: You didn't just message him on Tinder. You were like,
• 32:40
  Speaker 2: I'm going deeper, like this has to happen.
• 32:43
  Speaker 4: Always the side road. So I was like message his
• 32:45
  Speaker 4: colleagues and I was like, hook it up. I think
• 32:47
  Speaker 4: he thought I was joking, so he never did anything
• 32:49
  Speaker 4: about it.
• 32:49
  Speaker 2: Why are they so silly? Sometimes I just wonder.
• 32:53
  Speaker 4: He was literally like ha ha ha ha, I'm like cool.
• 32:55
  Speaker 4: I'm wait literally waiting.
• 32:57
  Speaker 2: No no, no, no, no, like this was serious boy,
• 33:00
  Speaker 2: this is love.
• 33:01
  Speaker 4: And it kind of was just like that, and then
• 33:03
  Speaker 4: we started messaging on Instagram. But because English isn't his
• 33:06
  Speaker 4: first language, I rely heavily on my banter to woo people. Yeah, okay,
• 33:11
  Speaker 4: and he just wasn't picking.
• 33:12
  Speaker 2: Up what I was putting down. He would have been like,
• 33:15
  Speaker 2: that is so strange. Why did she say that? What
• 33:18
  Speaker 2: a strange lady?
• 33:20
  Speaker 4: Pardon Like I'd say things that he'd be like, why
• 33:22
  Speaker 4: you say that, And you'd be like, because it's funny,
• 33:25
  Speaker 4: But it's not funny.
• 33:26
  Speaker 2: When you make me tell you that it was funny.
• 33:29
  Speaker 4: I'm like, I'm wooing you, sir. Can you not tell
• 33:31
  Speaker 4: I'm wooing you?
• 33:32
  Speaker 1: Like?
• 33:32
  Speaker 4: He just didn't get it at all. So then, anyway,
• 33:34
  Speaker 4: months past, my friend was like, you have to just
• 33:36
  Speaker 4: invite him to your house for dinner, like we have
• 33:38
  Speaker 4: to go old school here, like just to see there's
• 33:40
  Speaker 4: a connection. Yeah, great, invited in for dinner. He came
• 33:43
  Speaker 4: for dinner. The rest is history.
• 33:45
  Speaker 2: I love this so much. I love love. I love
• 33:48
  Speaker 2: that you saw him on Tinder and then you were like,
• 33:50
  Speaker 2: I'm not going down this Tinder route, Like absolutely not.
• 33:53
  Speaker 2: I'm gonna make other people do my work. Yeah, I'm
• 33:55
  Speaker 2: gonna make them involved in my love story. And I
• 33:58
  Speaker 2: mean it worked out for you. So I love this
• 34:00
  Speaker 2: Tinder brings all the good people together.
• 34:03
  Speaker 4: Oh we're pro Tinder.
• 34:04
  Speaker 1: Yeah.
• 34:04
  Speaker 4: I just love spoiling him. So that's definitely something that
• 34:06
  Speaker 4: you're so spot on there, like I do. Like his
• 34:08
  Speaker 4: birthday was in January and I had my biggest cash
• 34:10
  Speaker 4: month of my business in December, so I was like,
• 34:12
  Speaker 4: what do you need baby, Like, let's go. And yeah,
• 34:17
  Speaker 4: but I think that I'm okay with spending on myself
• 34:20
  Speaker 4: and actually with my budgeting series. Something I haven't really
• 34:22
  Speaker 4: shared is that that doesn't include money that I put
• 34:25
  Speaker 4: aside for my business expenses. And I'm like, you, like,
• 34:28
  Speaker 4: I'm a business girl. When I spoil myself, it's on
• 34:31
  Speaker 4: my business. It's like I'm purchasing new stuff for my business.
• 34:33
  Speaker 4: I'm investing in another mental of my business. I'm doing
• 34:36
  Speaker 4: another course of my business, like that's my fun splash,
• 34:38
  Speaker 4: but I'm doing so that's very me coded.
• 34:41
  Speaker 2: I feel like whenever people are like, what do you
• 34:43
  Speaker 2: treat yourself with, I'm like, please, don't get me wrong,
• 34:46
  Speaker 2: I really love a pedicure. At this point in my life,
• 34:48
  Speaker 2: I actually can't reach my toes. So I've been treating
• 34:50
  Speaker 2: myself to those more regularly. But I'm so like, oh,
• 34:54
  Speaker 2: I'll do my own nails at home, like you know,
• 34:56
  Speaker 2: if I want to get ten or do that at home. Like,
• 34:59
  Speaker 2: but but you want to talk to me about new
• 35:02
  Speaker 2: microphones headphones. Yeah, you want to talk to me about
• 35:04
  Speaker 2: anything that I can spend in my business. I'm like, oh,
• 35:07
  Speaker 2: have you seen those new mics that came out like
• 35:10
  Speaker 2: recently I purchased And you will understand this because you're
• 35:13
  Speaker 2: an audio girly as well. The Dji Lapel mics. They're
• 35:17
  Speaker 2: in the little magnetic box and they charge and I
• 35:19
  Speaker 2: was just like, this is so perfect for content, very
• 35:22
  Speaker 2: hot talk dirty to me, and then everyone else is like, yeah, cool.
• 35:26
  Speaker 2: So I'm gonna take my friends out for breakfast and
• 35:28
  Speaker 2: I'll be like, you have fun. I've got a microphone
• 35:30
  Speaker 2: to play with at home. You can come eat twelve
• 35:32
  Speaker 2: eggs with me for breakfast. That's fine, Yeah, exactly, I'll
• 35:35
  Speaker 2: bring my mics. It can be an ASMR very exciting
• 35:38
  Speaker 2: piece of content, very very exciting. All right, Hannah. Unfortunately
• 35:42
  Speaker 2: we are running to the end of this episode, but
• 35:45
  Speaker 2: I want to know at the very start you said, look,
• 35:47
  Speaker 2: I'm a B minus and I feel like you put
• 35:49
  Speaker 2: a lot of time and energy and effort into coming
• 35:51
  Speaker 2: up with that B minus. But what would it take
• 35:54
  Speaker 2: to get you from that B minus to you saying V,
• 35:57
  Speaker 2: I think I'm an A plus.
• 35:58
  Speaker 4: It's a sticky thing, right, It shouldn't be with like
• 36:01
  Speaker 4: the more money that we're bringing in has anything to
• 36:04
  Speaker 4: do with our money habit or our grade that we
• 36:06
  Speaker 4: give ourselves. But for where I'm at with my business,
• 36:09
  Speaker 4: I've invested a lot into my business and I've got
• 36:11
  Speaker 4: some really big goals, and I think the next step
• 36:13
  Speaker 4: for me to get to that A plus is show
• 36:15
  Speaker 4: that I can uphold my good money habits with more money,
• 36:19
  Speaker 4: So like, yeah, welcoming in the bigger money months and
• 36:22
  Speaker 4: then actually sticking to my guns and doing what I
• 36:24
  Speaker 4: know to be the good decisions I feel with my money.
• 36:26
  Speaker 4: And I think a big thing I want to touch
• 36:28
  Speaker 4: on was a big money goal as well for me
• 36:30
  Speaker 4: is to be neutral, like neutrality with money, because that's
• 36:32
  Speaker 4: something I've never been. It's always been like ups and downs,
• 36:35
  Speaker 4: like super just energetically as well, just like oh my god, money,
• 36:38
  Speaker 4: Oh my god, money. You know. I just want to
• 36:40
  Speaker 4: be like, yeah, of course, money, money, whatever, you know.
• 36:45
  Speaker 2: I love that I feel like neutrality is something that
• 36:47
  Speaker 2: we don't talk about very often, but we should talk
• 36:51
  Speaker 2: about more. Maybe I'm going to steal that and make
• 36:53
  Speaker 2: a whole episode out of it and call it.
• 36:55
  Speaker 4: I love it.
• 36:55
  Speaker 2: I'll credit you, don't worry. I'll be like neutrality inspired
• 36:58
  Speaker 2: by Anna San's. But I think that that's a topic
• 37:01
  Speaker 2: that we don't talk about enough because money is so
• 37:03
  Speaker 2: inherently emotional, and it's so tied to our self worth,
• 37:07
  Speaker 2: and it's so tied to how we think and feel
• 37:10
  Speaker 2: about how our life is going, when in reality, like
• 37:13
  Speaker 2: people aren't defined by money, So why do we do this?
• 37:16
  Speaker 5: No?
• 37:17
  Speaker 4: I totally agree, and I think a plus for me
• 37:19
  Speaker 4: would be like and I'm getting there. Like I even
• 37:21
  Speaker 4: shared on my TikTok the other day, like something small,
• 37:24
  Speaker 4: but I went and bought my partner a Weber. He's
• 37:25
  Speaker 4: like a barbecue guy.
• 37:27
  Speaker 2: I saw that and I was like, oh, slay queen.
• 37:31
  Speaker 4: Yeah, he loves to barbecue. We've been morning a web
• 37:33
  Speaker 4: for ages, but it's been one of those things, you know,
• 37:34
  Speaker 4: it's like we wanted a baby web. So it's like
• 37:36
  Speaker 4: six hundred and seven hundred dollars. I'm like, you know,
• 37:38
  Speaker 4: we can afford this, this is fine, and I spent
• 37:41
  Speaker 4: it and I like remember tapping my card and just
• 37:43
  Speaker 4: feeling nothing and remember being like, oh, I need to
• 37:46
  Speaker 4: celebrate this, like I'm not clenching, I'm not tense, like
• 37:48
  Speaker 4: I feel free about this.
• 37:50
  Speaker 2: No, but that's good.
• 37:51
  Speaker 4: Yes, I was like, this is where I want to
• 37:53
  Speaker 4: be going. So when I'm there more often, I think
• 37:56
  Speaker 4: that's the A plus for me. A door.
• 37:58
  Speaker 2: Oh my gosh, what a perfect place slive it, Hannah.
• 38:01
  Speaker 2: I have adored this chat. I am so looking forward
• 38:04
  Speaker 2: to continuing to follow your journey, but also having shared
• 38:07
  Speaker 2: you with our community. Hopefully they'll go, oh my gosh,
• 38:10
  Speaker 2: can't wait to tee into what Hannah's up to. But
• 38:13
  Speaker 2: also I'm so excited for the journey that you're on
• 38:15
  Speaker 2: and also bringing some more public money stories to I
• 38:20
  Speaker 2: guess like to be able to share more publicly because obviously,
• 38:23
  Speaker 2: you guys know I adore our money stories, and I
• 38:26
  Speaker 2: think that they need to stay anonymous because they are relatable,
• 38:30
  Speaker 2: they are you, they are celebrating our community. But I
• 38:33
  Speaker 2: also want people who are in the public eye to
• 38:36
  Speaker 2: be stepping up and going, no, this is my money story,
• 38:38
  Speaker 2: this is what's going on, because so many times we
• 38:41
  Speaker 2: put people who are in the public eye on pedestals
• 38:43
  Speaker 2: and gooble. They must have grown up rich like Hannah,
• 38:46
  Speaker 2: could not have been in this position to earn one
• 38:49
  Speaker 2: sixty and like be about us mum without having some
• 38:52
  Speaker 2: level of privilege and just getting to know people just
• 38:55
  Speaker 2: it helps so much when it comes to understanding money.
• 38:58
  Speaker 2: So thank you for being the first I adore.
• 39:00
  Speaker 4: It's truly an honor.
• 39:02
  Speaker 2: Thank you so much, Hannah. It has been an absolute
• 39:04
  Speaker 2: pleasure as expected.
• 39:06
  Speaker 4: I loved it. Thank you so much for having me.
• 39:14
  Speaker 5: The advice shared on She's on the Money is general
• 39:16
  Speaker 5: in nature and does not consider your individual circumstances. She's
• 39:20
  Speaker 5: on the Money exists purely for educational purposes and should
• 39:24
  Speaker 5: not be relied upon to make an investment or financial decision.
• 39:27
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• 39:30
  Speaker 5: the PDS TMD and obtain appropriate financial advice.
• 39:33
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• 39:35
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