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MONEY DIARIES: Managing Money With ADHD & Anxiety · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
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Speaker 1: the Order Kerney 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
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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.
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Speaker 2: Let's get into it.
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Speaker 3: She's on the Money, She's on the Money.
0:57
Speaker 2: Hello, and welcome to She's on the Money the Podcast
1:00
Speaker 2: Millennials who want financial freedom. Welcome back to another one
1:04
Speaker 2: of our Money Diary episodes where I get the absolute
1:07
Speaker 2: privilege of sitting down and talking to one of our
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Speaker 2: incredible She's on the Money community members all about their
1:13
Speaker 2: money story. Let's jump straight into it because I got
1:16
Speaker 2: a message this week and it sounded a lot like this. Hi, team,
1:20
Speaker 2: I'm twenty two and have ADHD. I have a lot
1:22
Speaker 2: of anxiety around money, and I believe it's because of
1:25
Speaker 2: the way my mum spoke about money as she was
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Speaker 2: unfortunately put in a financial pickle after she split from
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Speaker 2: my dad. I would love to talk about how ADHD
1:34
Speaker 2: and how you grew up around money affects you. I
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Speaker 2: also worked in stuperanuation for nearly four years and recently
1:40
Speaker 2: quit due to my mental health to embark on a
1:42
Speaker 2: new journey, which has also affected me financially. Money Darist,
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Speaker 2: welcome to the show. Hi, Oh my gosh. I am
1:51
Speaker 2: very excited to speak to someone who also has ADHD.
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Speaker 2: I feel like we're basically going to have some very
1:56
Speaker 2: fun similar anecdotes. But let's jump straight into the questions
2:02
Speaker 2: because I'm excited for this one. As always, at the
2:05
Speaker 2: start of every episode, I ask this question, so I'm
2:08
Speaker 2: dying to hear your answer. Money Doarrist, what grade would
2:11
Speaker 2: you give your money habits if I asked you to
2:13
Speaker 2: give them a grade from A through to F.
2:15
Speaker 3: I did think a lot about this. I'm gonna give
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Speaker 3: myself about a C plus.
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Speaker 2: A C plus all right, we can talk about that
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Speaker 2: one later. But now my favorite question, money Dores, can
2:24
Speaker 2: you tell me a little bit more about your money story? Yes?
2:28
Speaker 3: So, I was diagnosed with ADHD in December last year,
2:31
Speaker 3: so it hasn't even been twelve months yet. My whole
2:34
Speaker 3: life is making so much more sense now. But when
2:39
Speaker 3: I was nine, my parents split up, so as part
2:45
Speaker 3: of that, my mom purchased my dad out.
2:48
Speaker 2: Of our house. Queen behavior, I get it, Mum.
2:51
Speaker 3: Yep. My parents have two very very different outlooks on money.
2:56
Speaker 3: I guess you'd say Mum has definitely been more conservative,
3:00
Speaker 3: trying to save where she can. She's still paying off
3:02
Speaker 3: the house, whereas Dad is someone that just spends it
3:07
Speaker 3: willing nilly and yeah, doesn't really stave or anything like that.
3:13
Speaker 3: So yeah, two complete polar opposites. And I think, especially
3:18
Speaker 3: with interest rates and stuff rising at the moment, Mum
3:21
Speaker 3: can be a bit stressed about the mortgage payments.
3:24
Speaker 2: For good reason.
3:25
Speaker 3: It is very stressful, Oh yeah, especially when she's got
3:29
Speaker 3: me and my younger brother that live at home, so like,
3:33
Speaker 3: we do help out where we can, but yeah, she
3:36
Speaker 3: sometimes will project that stress onto us, which you know,
3:40
Speaker 3: completely understandable, she's just venting, but it does sort of
3:45
Speaker 3: give me a bit of anxiety.
3:47
Speaker 2: Creates tension for sure, yeah, for sure, and then you
3:51
Speaker 2: probably end up in silly arguments over not what you're
3:53
Speaker 2: actually talking about yep, relatable.
3:57
Speaker 3: Yeah, that, as I mentioned in my entry, Yeah, I've
4:00
Speaker 3: worked in superannuation for nearly four years. So I quit
4:04
Speaker 3: in August and I was working full time, so I
4:07
Speaker 3: was working in the contact centers across a few of
4:10
Speaker 3: the different superannuation funds. So I've got quite a lot
4:13
Speaker 3: of knowledge on superannuation. So I started there just before
4:17
Speaker 3: I turned nineteen.
4:18
Speaker 2: Oh, very cool. So yeah, got on it really early obviously.
4:22
Speaker 2: Side note, I always promote the contact centers at superannuation
4:26
Speaker 2: funds because I'm like, guys, if you don't know about super,
4:29
Speaker 2: call the contact center because you're already paying the fees
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Speaker 2: for it. It is free. How many people were calling
4:35
Speaker 2: you and being like I don't really know much about Super,
4:37
Speaker 2: did you get to have these awesome conversations with people
4:39
Speaker 2: where they went away and went, oh my gosh, it
4:41
Speaker 2: makes so much more sense now.
4:43
Speaker 3: Yeah. So I started off on the phones because I
4:45
Speaker 3: started just before COVID hit. So it was really interesting
4:49
Speaker 3: seeing the difference before and after COVID, especially with people
4:52
Speaker 3: with drawing their ten thousand tax free.
4:55
Speaker 1: Ah.
4:55
Speaker 2: Yeah, you would have gone through so much of.
4:57
Speaker 3: That, Yeah, and the investments dropping and all that. That
5:00
Speaker 3: kind of stuff. So yeah, it was really busy at
5:02
Speaker 3: that time. But yeah, I noticed like afterwards as well,
5:05
Speaker 3: people came to us with questions and had a better
5:09
Speaker 3: understanding of their SUPER, which was really good. But it
5:12
Speaker 3: was also really good because I became a trainer and
5:16
Speaker 3: a coach, and then I became a team leader within
5:18
Speaker 3: the contact center. So yeah, it was really nice. And
5:22
Speaker 3: I was training people that didn't know much about their
5:24
Speaker 3: SUPER and then they could share what they had learnt
5:27
Speaker 3: as well, which was really nice.
5:28
Speaker 2: Oh how cool. I love it. So tell me a
5:31
Speaker 2: bit more. Obviously, you've just quit your role in a
5:34
Speaker 2: contact center for superannuation after four years. What do you
5:37
Speaker 2: currently do for work and how much money do you earn?
5:39
Speaker 3: So I'm currently a studio coordinator at a Polarates studio.
5:44
Speaker 2: Oh very cool.
5:46
Speaker 3: Yeah, and I'm actually studying my certificate and Polarates So
5:48
Speaker 3: I finished that in a couple of weeks.
5:50
Speaker 2: Oh exciting. That is a very big pivot, isn't it.
5:53
Speaker 3: Yeah. So I'm currently earning about thirty dollars an hour
5:58
Speaker 3: during the week, and then I get weekends which is
6:00
Speaker 3: about thirty five an hour, and I do between twenty
6:03
Speaker 3: to twenty five hours a week, like my pay will
6:06
Speaker 3: kind of fluctuate each fortnight. But it's definitely a big
6:09
Speaker 3: job because when I was working full time, I was
6:10
Speaker 3: on seventy five thousand, including super But we're making it work.
6:16
Speaker 2: So what planning did you do before leaving? So obviously
6:19
Speaker 2: you left because of your mental health, as mentioned in
6:22
Speaker 2: your submission, which I think is so important, and I'm
6:25
Speaker 2: really proud of you for making that decision because it
6:27
Speaker 2: can be something that so many people just stick to
6:29
Speaker 2: irrespective of whether it's the best decision or not. So
6:33
Speaker 2: how did you make that decision and what kind of
6:35
Speaker 2: like budgeting or planning did you do for this move?
6:38
Speaker 3: Look, honestly, it wasn't the way that I would have
6:42
Speaker 3: lacked it to have gone, because I do my Plati's
6:44
Speaker 3: course one weekend a month, So the plan was originally
6:48
Speaker 3: just to be sort of doing that and then I
6:50
Speaker 3: would quit once I'd finished my course. And from about
6:53
Speaker 3: February to August, I was working at the party studio
6:56
Speaker 3: as well as working that full time job, so I
6:58
Speaker 3: was working heaps. Yeah, was pretty much just trying to
7:00
Speaker 3: put away any money that I could smart. I also
7:04
Speaker 3: had a bunch of annual leave, so I didn't take
7:07
Speaker 3: any unless I had to for UNI, like a unique
7:09
Speaker 3: exam or something, and then, yeah, I pretty much just
7:13
Speaker 3: got my lumps from that when I left, Because when
7:18
Speaker 3: I did leave, it was sort of I just had
7:21
Speaker 3: had enough and I just couldn't hold on anymore. So
7:24
Speaker 3: I gave it six weeks notice, which was more than
7:26
Speaker 3: what I.
7:26
Speaker 2: Had to That's very kind of you, Yeah, especially when
7:31
Speaker 2: you're like, I'm already overwhelmed, but I'm still trying to
7:33
Speaker 2: do the right thing.
7:34
Speaker 3: Yeah, exactly. So I gave six weeks notice, and so
7:37
Speaker 3: I pretty much had six weeks to sort my stuff out,
7:41
Speaker 3: and I've pretty much used up all of the money
7:45
Speaker 3: that I did have, but we're making it work. My partner,
7:49
Speaker 3: he's really good with his money, so he's very generous
7:52
Speaker 3: and helps me out when I need it, which is
7:54
Speaker 3: really nice.
7:55
Speaker 2: That's very kind.
7:56
Speaker 3: Yeah, very lucky.
7:57
Speaker 2: I'm just so pervy, Like it's not she's on the money.
8:00
Speaker 2: If I'm not grilling you about your financial circumstances, is
8:02
Speaker 2: that and what's that mean? How does that work? It's
8:04
Speaker 2: like questions that I feel like I can only ask
8:07
Speaker 2: on the podcast, of course, Whereas like you know, if
8:10
Speaker 2: you and I met in public, I'd be like, oh,
8:12
Speaker 2: you're a Plarti's instructor. That's nice. How much money do
8:14
Speaker 2: you want? So it's inappropriate Victoria. But what happens once
8:18
Speaker 2: you finish your training and you become like a fully
8:21
Speaker 2: qualified pilarates instructor, What does your annual salary look like? Then?
8:25
Speaker 3: So it kind of depends on how many classes you teach.
8:29
Speaker 3: So I'm not one hundred percent sure of what the
8:33
Speaker 3: earning is at my studio. I have a rough idea
8:36
Speaker 3: it's normally anywhere between like forty five and fifty five
8:38
Speaker 3: dollars per class. When I was looking it up, you
8:41
Speaker 3: can earn anywhere between like forty five and I think
8:43
Speaker 3: one hundred and ten dollars per class. So yeah, and
8:47
Speaker 3: then obviously it depends on how many classes you're teaching.
8:49
Speaker 3: So I've already put my name down for a bunch
8:52
Speaker 3: of covers in December and January, which is really good
8:56
Speaker 3: because this year I'm not going away, so I'm just
8:59
Speaker 3: gonna each heap and save as much as i can. Yeah, yeah,
9:02
Speaker 3: I'm smart, Yes, So that's pretty much the goal. And
9:05
Speaker 3: then it'll just depend on how many classes I'm teaching and.
9:09
Speaker 2: How far forward. Are we thinking with this? Like, I
9:11
Speaker 2: feel like this is a career that I feel like.
9:13
Speaker 2: I have a lot of friends who have gone into
9:15
Speaker 2: being pilates instructors, and they're like, I'm going to spend
9:17
Speaker 2: a few years just doing you know, casual classes, and
9:20
Speaker 2: then I want my own studio. Is this something that
9:22
Speaker 2: you've thought about or is this something you're like, Victoria,
9:25
Speaker 2: you are getting way ahead of yourself here.
9:27
Speaker 3: No, I have thought about it.
9:28
Speaker 2: I feel like you sound very intelligent. I feel like
9:31
Speaker 2: you've got a game plan here.
9:32
Speaker 3: Thank you. Yeah, so I'm actually studying at UNI to
9:35
Speaker 3: be a dietitian is a goal.
9:38
Speaker 2: Oh how fun.
9:40
Speaker 1: Yeah.
9:40
Speaker 3: So I'm studying a Bachelor of Health Science majoring in
9:43
Speaker 3: nutrition and Exercise science, and then I'll have to go
9:46
Speaker 3: on to do my master's and dietetics. Long term goal
9:49
Speaker 3: is to open my own business, so no one steals
9:52
Speaker 3: my idea. I'll keep it nice and short and sleek.
9:53
Speaker 2: I know, don't tell me I'm in though, Like, I
9:56
Speaker 2: know you're based near me, so like let me know
9:57
Speaker 2: when it opens. And I'm also bringing back business Bible
10:01
Speaker 2: content for you so we can like build your business together.
10:03
Speaker 3: We love it. Yeah, it's just gonna be like a
10:05
Speaker 3: health center. It's pretty much the goal. Fun.
10:08
Speaker 2: I love this. I was like, I feel like she's
10:10
Speaker 2: got bigger plans with this.
10:13
Speaker 3: Yeah, so hopefully part of it is that it will have,
10:16
Speaker 3: you know, a gym, and then a polity studio is
10:18
Speaker 3: part of it as well.
10:19
Speaker 2: I mean, I love it. I'm so excited to this.
10:21
Speaker 2: I'm so glad. I asked right back to the structured questions,
10:24
Speaker 2: my friend, I want to know what is your big
10:27
Speaker 2: money goal? What are you currently working towards.
10:30
Speaker 3: Currently, it's just making sure that I can pay for
10:33
Speaker 3: what I need to pay for. But you know, as
10:35
Speaker 3: I do start teaching more and all of that kind
10:38
Speaker 3: of stuff, I think it's just like having a saving
10:40
Speaker 3: slash an emergency fund. I did sort of have that
10:44
Speaker 3: and then I've had to use it, but that's what
10:46
Speaker 3: it's there for. Yeah, so just rebuilding that back up.
10:49
Speaker 2: Now, how I guess that leans into something you know,
10:52
Speaker 2: you saying, Look, I'm just really trying to make sure
10:54
Speaker 2: that I can pay for what I need. And that
10:58
Speaker 2: makes a lot of sense at this point in time,
11:00
Speaker 2: because obviously there's a number of, like I guess, financial
11:02
Speaker 2: stresses going from earning seventy five thousand down to you know,
11:06
Speaker 2: thirty dollars for about twenty to twenty five hours a week,
11:09
Speaker 2: which makes sense, right, But as a fellow neurospicy gal,
11:14
Speaker 2: I don't think historically when my salary has decreased, I've been, oh, okay,
11:19
Speaker 2: I'm just going to make sure that I can pay
11:20
Speaker 2: for what I can pay for. What I did was
11:22
Speaker 2: bury my head in the sand to pretend it wasn't
11:24
Speaker 2: a problem, and that's how I ended up in such
11:26
Speaker 2: significant financial debt. So what does that look like for you?
11:30
Speaker 2: Is there something where you know, you mentioned that you
11:33
Speaker 2: were diagnosed in December last year. Is this medication driven?
11:38
Speaker 2: Is this therapy driven? Is this how you've always been?
11:41
Speaker 2: Because I'm like, that's not neurotypical behavior. Yeah, no, so
11:45
Speaker 2: I am on medication stunning same. Otherwise I wouldn't be
11:48
Speaker 2: a functioning member of society.
11:50
Speaker 3: Oh me too, I would be laying in bed asleep
11:53
Speaker 3: all day. Yeah.
11:53
Speaker 2: It's good, isn't it. It's avoidant yep.
11:57
Speaker 3: But I think too. I do work with psychologist who
12:01
Speaker 3: also has ADHD, so that's been really good. But I
12:05
Speaker 3: think also I also do have anxiety, so it sort
12:11
Speaker 3: of like depends on the day, like are we going
12:13
Speaker 3: to be ADHD today or are we going to be
12:14
Speaker 3: anxiety today?
12:15
Speaker 2: And sometimes you're both and it's really fun because I
12:17
Speaker 2: also have diagnosed anxiety depression and ADHD, which is just
12:22
Speaker 2: like a really big ball of fun and medications. But yeah,
12:26
Speaker 2: sometimes they like work against each other. So how do
12:29
Speaker 2: you track towards these big money goals when clearly there's
12:33
Speaker 2: you know, a lot in the background working against you,
12:36
Speaker 2: if we could say it that way.
12:37
Speaker 3: So for me, I'm religiously checking my bank accounts and
12:42
Speaker 3: my calendars seeing what I've got coming up, what I
12:47
Speaker 3: need to pay for, and it's really just a ball
12:49
Speaker 3: of anxiety of me trying to sort it out. So
12:52
Speaker 3: I don't get to an appointment and I'm like, ooh, sorry,
12:54
Speaker 3: you've already serviced me, but I can't afford it. So yeah,
12:58
Speaker 3: I do try where I can to plan ahead, and
13:01
Speaker 3: sometimes that does mean you know, moving an appointment a
13:04
Speaker 3: couple of days till that's after my payday. Yeah, so
13:07
Speaker 3: my partner sometimes helps me out. So in that circumstance, I'll,
13:12
Speaker 3: you know, just ask him for a little bit of
13:14
Speaker 3: a loan and then I'll pay him back. When I
13:16
Speaker 3: get my next pay.
13:17
Speaker 2: So, to be honest, I just yallowed it all the
13:20
Speaker 2: way to get so hearing that I think. I'm just like,
13:23
Speaker 2: hold up, hold up, hold up. You said you're a
13:25
Speaker 2: C plus and now your C plus is starting to
13:28
Speaker 2: fall apart here, so I'm just like, Okay, we're probably
13:31
Speaker 2: going to have a little bit of an argument at
13:32
Speaker 2: the end of this episode, but that's okay.
13:34
Speaker 3: We haven't got around to my impulse buying.
13:37
Speaker 2: Oh that's okay, that's so fine. But the fact that
13:40
Speaker 2: you're so measured in going look, I actually just make
13:42
Speaker 2: sure at this point in time that I can pay
13:45
Speaker 2: for what I need to and then the next step
13:46
Speaker 2: is an emergency fund. Like, girl, you've got your head
13:49
Speaker 2: screwed on, and I feel like that is a very
13:51
Speaker 2: good position to be in.
13:52
Speaker 3: Thank you.
13:53
Speaker 2: You mentioned impulse spending. I need to go to a break,
13:55
Speaker 2: but I really want to hear about that. So let's
13:57
Speaker 2: get the break over with it, and then we can
13:59
Speaker 2: jump straight in. I don't go anywhere. Guys, All right,
14:05
Speaker 2: money diarist, we are back, and I want to ask
14:08
Speaker 2: you straight off the bat, do you have any investments.
14:12
Speaker 2: If so, what are they?
14:14
Speaker 3: So I do have my super I looked it up
14:16
Speaker 3: the other day and it's about twenty five point five thousand.
14:20
Speaker 2: Hey, that's pretty good for your age. You're only twenty two.
14:23
Speaker 3: Yeah. So I do make an effort to put fifty
14:26
Speaker 3: dollars in every month. I've been doing that since pretty
14:31
Speaker 3: much I started working.
14:33
Speaker 2: Yeah, and you did that work just before you turned nineteen. Yeah, queen,
14:37
Speaker 2: you're going to be like greach reach. I love this.
14:40
Speaker 3: Well. The goal is to just be that grandmar that
14:43
Speaker 3: can just pay for everything.
14:44
Speaker 2: And that's what I want to be too, Like I
14:46
Speaker 2: want to be rich Nana, like ten out of ten.
14:49
Speaker 3: Yeah, I try and put fifty dollars in there a month.
14:53
Speaker 2: And that's above and beyond your compulsory super contribution.
14:56
Speaker 3: Yep, so that's on top of it. So that is
14:58
Speaker 3: a personal contribution. And then I wasn't claiming the tax.
15:03
Speaker 2: I was about to say, are you keeping track of
15:05
Speaker 2: that for your accountant?
15:06
Speaker 3: On my own accountant?
15:08
Speaker 2: But you can be your own accountant when you do
15:10
Speaker 2: your tax returns.
15:11
Speaker 3: Yeah, So I don't do the claiming the personal contributions
15:15
Speaker 3: tax because I'm at the threshold where I can get
15:19
Speaker 3: the government co contribution.
15:21
Speaker 2: Oh, you're smart, smart, And if.
15:23
Speaker 3: I claim that section two ninety, I'm not eligible for
15:27
Speaker 3: the government co contribution.
15:29
Speaker 2: Okay, so you're going to have to break that down
15:30
Speaker 2: because a few people listening, I'm going to be like Victoria,
15:33
Speaker 2: what is she talking about? Tell me a bit more
15:37
Speaker 2: about what happens with the government co contribution and how
15:40
Speaker 2: that works and why it cancels that tax only because
15:42
Speaker 2: I know you know.
15:43
Speaker 3: Yeah, So with the government co contribution, depending on your income,
15:48
Speaker 3: if you voluntarily put in one thousand dollars, you can
15:51
Speaker 3: get up to five hundred dollars back. You don't necessarily
15:54
Speaker 3: have to put in one thousand dollars. It's just they'll
15:56
Speaker 3: only match up to one thousand dollars. You've got to
15:59
Speaker 3: be an under a certain amount, and then there's different
16:02
Speaker 3: brackets under that amount is how much they'll co contribute. Yeah,
16:06
Speaker 3: so yeah, you can't be claiming the tax back on
16:08
Speaker 3: that and then get the government co contribution. So yeah,
16:11
Speaker 3: if you've been putting money in your super once you
16:14
Speaker 3: do your tax return, if you're eligible, they'll just automatically
16:17
Speaker 3: put it in your account.
16:18
Speaker 2: Money win. And that's basically fifty percent back. And if
16:22
Speaker 2: you're on a normal quote marginal tax rate, that's thirty
16:25
Speaker 2: two point five percent. That's an instant money win.
16:29
Speaker 3: Yeah.
16:29
Speaker 2: How good is that? I'm obsessed. You're teaching my community
16:34
Speaker 2: and they're going to go away and just be richer
16:36
Speaker 2: because of you. Money weed.
16:37
Speaker 3: We love that.
16:38
Speaker 2: I am obsessed, especially because obviously a lot of people
16:41
Speaker 2: in our community are like me. I just don't have
16:43
Speaker 2: the funds to contribute more to Superannuation. I feel like
16:47
Speaker 2: sometimes fifty dollars can be really reasonable, Like it can
16:51
Speaker 2: be a really reasonable amount to contribute to Super. You
16:54
Speaker 2: are actually having an impact, and look, you can get
16:56
Speaker 2: some cash back as well. And I feel like people
16:59
Speaker 2: need to know this stuff because otherwise you don't have
17:01
Speaker 2: as much motivation to.
17:02
Speaker 3: Do it, exactly. And look, I've even just said to friends, like,
17:06
Speaker 3: even if you can just do five dollars, which is,
17:08
Speaker 3: you know, less than a cup of coffee.
17:10
Speaker 2: Still going to get two dollars fifty back exactly.
17:13
Speaker 3: Yeah, if you can just do that, because it's also
17:15
Speaker 3: compounding interest, so whatever interest it makes that gets reinvested
17:19
Speaker 3: and it just goes around in this big circle.
17:21
Speaker 2: So yeah, obsessed, obsessed. All right, Next question is my friend,
17:26
Speaker 2: do you have any debts? If so, what are they?
17:28
Speaker 3: So I do have three point one thousand in personal
17:32
Speaker 3: loans to family, and then I do have my hex step,
17:35
Speaker 3: which is about seven point four thousand at the moment,
17:38
Speaker 3: but I have already started to pay some of that
17:41
Speaker 3: off because I was earning over the threshold when I
17:43
Speaker 3: was working full time.
17:44
Speaker 2: Oh very cool. So talk to me more about these
17:47
Speaker 2: three point one thousand dollars in personal loans. What were
17:50
Speaker 2: they for, how did you, I guess, accrue them, and
17:53
Speaker 2: what's your plan for them?
17:54
Speaker 3: So pretty much, my old laptop decided to just back
18:00
Speaker 3: touch on fire the day of my UNI exam.
18:03
Speaker 2: Oh no, It's always that way, isn't it.
18:05
Speaker 3: Yeah, And I do UNI online, so I really needed
18:08
Speaker 3: my laptop. Yeah, and I didn't have the money sitting
18:13
Speaker 3: in my bank account for a new MacBook Air.
18:17
Speaker 2: Most of us don't, so that's very relatable.
18:20
Speaker 3: Yeah. So I got lent some money to go and
18:22
Speaker 3: buy a new one the same day as my exam,
18:24
Speaker 3: and it was very stressful. And then there was just
18:30
Speaker 3: some other loans. I think I can't remember off the
18:32
Speaker 3: top of my head what it was for. But the
18:34
Speaker 3: plan is pretty much, once I'm earning that bit more
18:36
Speaker 3: money is just to make monthly payments.
18:39
Speaker 2: So yeah, nice, I like that to be honest. When
18:42
Speaker 2: you said, oh, I have a personal loan, I was like, oh, okay,
18:44
Speaker 2: is this way we're going to start talking about your
18:46
Speaker 2: impulse spending? But that actually just sounds like an essential
18:49
Speaker 2: cost that you didn't really have any choice in. Yes,
18:53
Speaker 2: well let's talk about your impulse spending, my friend. That's
18:56
Speaker 2: not a structured question, but I want to know more
18:59
Speaker 2: about it. What does that look like for you? And
19:01
Speaker 2: how now you've been diagnosed, does that make a bit
19:05
Speaker 2: more sense.
19:05
Speaker 3: Yes. So I'm really bad, especially at Kmart. I would
19:11
Speaker 3: go to the shops for one thing. I would walk
19:13
Speaker 3: around and buy lots of stuff.
19:16
Speaker 2: You know, that's kmart strategy, right, Like, they're not silly,
19:19
Speaker 2: they know how that works.
19:21
Speaker 3: I know, but i'd start.
19:23
Speaker 2: Why do you think they put the check out in
19:25
Speaker 2: the middle of the store, so you have to boil
19:27
Speaker 2: from one side of the store for one thing to
19:29
Speaker 2: the other side, and by the time you get back
19:30
Speaker 2: you have an armful of stuff. You picked up a basket.
19:34
Speaker 2: I know.
19:35
Speaker 3: My problem is though, mine's in a shopping center like
19:37
Speaker 3: my local ones. So I'll start at Kmart.
19:39
Speaker 2: So it is mine. It's a slipretty slope.
19:41
Speaker 3: Yeah. I will just pick up things and I'm like, oh, yeah,
19:44
Speaker 3: I totally need this, and I really don't.
19:46
Speaker 2: But you convince yourself you do, so it must be
19:48
Speaker 2: kind of valid.
19:49
Speaker 3: Yeah. Well, the amount of books I have that I
19:51
Speaker 3: haven't read.
19:52
Speaker 2: Oh yep, you need to go in a book ban.
19:54
Speaker 2: I've put myself in a book van and I'm not
19:57
Speaker 2: allowed any new books until I read at least five
19:59
Speaker 2: of the ones I I already have. And like that's
20:01
Speaker 2: not even me saying I need to read all the
20:02
Speaker 2: books I have. I told myself five and I still
20:04
Speaker 2: haven't done it.
20:06
Speaker 3: Yeah, I've just started to try to like take photos
20:08
Speaker 3: of the ones I see now that I like, yeah.
20:11
Speaker 2: Put a folder on your phone and be like you
20:13
Speaker 2: can have these later.
20:14
Speaker 3: I've got a folder of all the books I want.
20:16
Speaker 3: There's like over two hundred books in there.
20:18
Speaker 2: Oh my gosh. Yeah, and you're not even going to
20:21
Speaker 2: read two hundred books in a year. So like, I
20:23
Speaker 2: think that's a smart thing to just have a folder
20:25
Speaker 2: and be like, these are on my wish list.
20:28
Speaker 1: Yeah.
20:28
Speaker 3: I sometimes have to go to office works for work
20:30
Speaker 3: to print stuff. That's a dangerous game as well.
20:34
Speaker 2: What are you buying at office works all.
20:36
Speaker 3: The pens and the highlighters and the sticky notes.
20:40
Speaker 2: Same. I feel like you're keeping West Farmers in business
20:42
Speaker 2: because the people who own Camut also own office Works,
20:45
Speaker 2: and so like you're in a very committed relationship with them.
20:48
Speaker 3: Makes sense. I think for me, like a lot of
20:51
Speaker 3: it too, is I convince myself that it will help
20:53
Speaker 3: with my anxiety or my ADHD, and then it just
20:57
Speaker 3: sits there and I don't use it.
20:58
Speaker 2: Yeah. See, I used to do exactly the same thing.
21:01
Speaker 2: I'm like, do you know what if I get a
21:02
Speaker 2: whole new pencil case, I get some new highlighters, I'm
21:04
Speaker 2: going to be so much more organized at UNI because
21:06
Speaker 2: I'm going to be able to take the most elite notes,
21:09
Speaker 2: and then I'd play on my phone the whole lecture.
21:11
Speaker 3: So yeah, yeah, exactly it. So now I'm pretty much
21:15
Speaker 3: go when I don't have a lot of time to
21:18
Speaker 3: walk around, I pretty much only have the time to
21:20
Speaker 3: go in, get what I need and then leave smart.
21:23
Speaker 3: I try not to go to the shopping center unless
21:24
Speaker 3: I really have to, and if I do have to,
21:27
Speaker 3: I will take my partner with me because.
21:29
Speaker 2: He can control it.
21:31
Speaker 3: Yeah, he's very much like if I find something I
21:33
Speaker 3: like and I'm like, oh, I really like this and
21:35
Speaker 3: he's like, okay, well are you actually going to use it?
21:38
Speaker 2: And I'm like no, but that's not the point.
21:41
Speaker 3: Yeah, so he knows me very well and he's like, no,
21:44
Speaker 3: it's like not that expensive, like you know, you'll probably
21:47
Speaker 3: use it a lot, Like it's fine, you can buy it.
21:49
Speaker 2: So yeah, that's quite helpful. I feel like this is
21:52
Speaker 2: where my tip of putting twenty four hours between you
21:55
Speaker 2: and your spending really comes in. And I feel like
21:57
Speaker 2: you're already halfway there with your folder for books and
22:00
Speaker 2: your wish list. It's like, in the future, maybe we
22:02
Speaker 2: can take a whole heap of photos of all the
22:04
Speaker 2: other stuff that you want and go, you know what,
22:06
Speaker 2: I do really want this. I'll make a point of
22:08
Speaker 2: coming back tomorrow if I still want it. And if
22:11
Speaker 2: you're anything like me, you forgot you took the photo
22:13
Speaker 2: and you've just forgotten the whole thing the next day.
22:15
Speaker 3: Yeah. I normally even try and leave maybe like two
22:19
Speaker 3: weeks in between.
22:20
Speaker 2: I have not that level of self control. So that's impressive.
22:24
Speaker 3: It's either I'm buying it right then and there, or
22:26
Speaker 3: I'm sitting on it and thinking about it for ages.
22:29
Speaker 3: So yeah, but also my partner doesn't like going to
22:32
Speaker 3: the shops. He absolutely hates shopping, So if I have
22:36
Speaker 3: to go and get something, he's someone that will just
22:39
Speaker 3: complain the whole time.
22:40
Speaker 2: Kind of helpful for getting out of the shops quickly, though, exactly.
22:43
Speaker 3: So that's why I take him with me.
22:44
Speaker 2: It's kind of like going shopping with the toddler, like
22:46
Speaker 2: they just sick of it after ten minutes.
22:48
Speaker 3: Yep. So I get what I need and then we
22:51
Speaker 3: have to leave because otherwise he's complaining and I get annoyed.
22:53
Speaker 2: So just to like loop this back, your impulse spending
22:56
Speaker 2: hasn't contributed to your personal debts. It's obvious kind of
23:00
Speaker 2: probably stopping you from building up an emergency fund and yeah,
23:04
Speaker 2: being exactly where you want to be, but you seem
23:06
Speaker 2: incredibly self aware of what is going on and what
23:09
Speaker 2: that actually looks like. But you're also in a position
23:13
Speaker 2: where you've dropped down your income significantly. So talk to
23:17
Speaker 2: me about I guess the impact of your impulse spending.
23:20
Speaker 2: Is it just frustrating, is it something that's actually holding
23:23
Speaker 2: you back, or is it something that you're like, no,
23:25
Speaker 2: this is like for me, just like another mental load
23:28
Speaker 2: or what does that look like?
23:29
Speaker 3: I think it's definitely more of a mental load. But
23:33
Speaker 3: I think also at the moment, because I actually don't
23:36
Speaker 3: really have the money to go and do shopping and
23:40
Speaker 3: do that impulse spending, it hasn't been as bad as
23:44
Speaker 3: of late because for me, it's like the things that
23:46
Speaker 3: I actually need to pay for, you know, if that's
23:49
Speaker 3: just my psychologists appointment or whatever. To me, that's more
23:54
Speaker 3: important than you know, whatever I'm about to pick up
23:57
Speaker 3: at the shop. So I just keep in trying to
23:58
Speaker 3: remind myself of that. But yeah, when I was working
24:01
Speaker 3: full time, it was a real issue, and I would
24:04
Speaker 3: go to Kmart and I would spend like three hundred
24:06
Speaker 3: dollars in one go.
24:07
Speaker 2: Yeah, then you're like, where did this all go the
24:09
Speaker 2: week after because you forgot what you bought.
24:11
Speaker 3: Yeah, I've been really bad recently with buying new like
24:15
Speaker 3: Douna covers and sheets.
24:16
Speaker 2: Oh but if you have a good looking bed, do
24:18
Speaker 2: you want to make it?
24:20
Speaker 3: That's the theory never worked out.
24:23
Speaker 2: Have you ever been like, Wow, I thought Victoria would
24:25
Speaker 2: help me and instead she's just enabling me.
24:29
Speaker 3: Yeah, my bed is currently not made.
24:31
Speaker 2: Oh, mine is never made. Don't worry, because we have
24:33
Speaker 2: this rule in our house that it's like last out
24:36
Speaker 2: has to make the bed, and so that in theory
24:39
Speaker 2: makes a lot of sense. But I'm always the last
24:41
Speaker 2: out making the bed.
24:42
Speaker 3: Are you suoking?
24:44
Speaker 2: I love that, absolutely not. So that's probably a reflection
24:48
Speaker 2: of who I am as a person. Next question, money diarist,
24:52
Speaker 2: I want to know what's your best money habit.
24:54
Speaker 3: I would say putting that fifty dollars each month into
24:57
Speaker 3: my super But also I do so try and look
25:00
Speaker 3: at my yearly expenses. I mean the fortnightly and weekly
25:05
Speaker 3: ones are a bit different, but definitely those like ones
25:07
Speaker 3: that come up every you know, three to twelve months,
25:10
Speaker 3: so I can sort of try and put a portion
25:13
Speaker 3: away each pay so that when it comes up it's
25:16
Speaker 3: not a massive bill.
25:17
Speaker 2: You are so calculated with this. I love it. This
25:20
Speaker 2: is not neurospicy behavior.
25:22
Speaker 3: It's the anxiety in me.
25:23
Speaker 2: Yeah, okay, all right, So they're kind of like working together.
25:26
Speaker 3: Because so, yeah, I foot pops up, then I'm probably
25:28
Speaker 3: gonna have a panic attack because I'm like, I don't
25:30
Speaker 3: know how I'm gonna pay for this.
25:31
Speaker 2: Yeah, that's fair.
25:32
Speaker 3: The thing is that I will sit and plan it
25:33
Speaker 3: all out, but I'm not necessarily someone that then will
25:36
Speaker 3: follow through with it.
25:38
Speaker 2: Yeah, fair, So I.
25:39
Speaker 3: Make myself feel good by planning it out, but not
25:41
Speaker 3: so good is not following through.
25:43
Speaker 2: Totally understand that. All right, next question, I feel like
25:47
Speaker 2: we know what you're going to say, but I'm gonna
25:49
Speaker 2: ask anyway, what do you think is your worst money habit?
25:51
Speaker 3: Yeah, the impulse shopping yep.
25:53
Speaker 2: Fair saw that coming a mile off my friend.
25:56
Speaker 3: But yeah, as I said, like with the income at
25:59
Speaker 3: the moment, it's been a bit different. But yeah, when
26:02
Speaker 3: I was working full time, I would always just spend
26:04
Speaker 3: money and then I'd be like, oh, just worry about
26:05
Speaker 3: it later, and then later would come and it would
26:08
Speaker 3: never end well.
26:09
Speaker 2: So no, but I feel like you've learned a lot.
26:12
Speaker 2: Like I feel like you are relatively self reflective, especially
26:15
Speaker 2: for the situation you're in. Like when you wrote in
26:18
Speaker 2: and said, look, I really want to talk about you know,
26:20
Speaker 2: ADHD and what that means, because obviously ADHD is really
26:24
Speaker 2: significant and does really impact your money story. I fully
26:28
Speaker 2: was like, Okay, cool, she's going to come and potentially
26:30
Speaker 2: have some personal debt. Obviously she's just quit her job
26:33
Speaker 2: and I made a lot of assumptions about the money
26:35
Speaker 2: story that I was diving into, and I feel like
26:37
Speaker 2: you've really impressed me. You're like, no, no, no, Like
26:39
Speaker 2: I'm really managing my impulse spending. I have this really
26:43
Speaker 2: good folder on my phone. It's meaning that I'm not
26:45
Speaker 2: impulse spending on books as much. Like I even try
26:48
Speaker 2: to put two weeks between my spending. Like I can't
26:51
Speaker 2: even do that, babe, Like that's impressive. You have some
26:53
Speaker 2: really clear money goals, like you've already told me, Look,
26:56
Speaker 2: I want to start my own business at some point.
26:58
Speaker 2: Do you think that you are potentially putting a lot
27:01
Speaker 2: of pressure on yourself when it comes to finances and
27:05
Speaker 2: what you're trying to achieve and in the timeframe given
27:07
Speaker 2: your income, Yeah, I would say so you're like yeah.
27:12
Speaker 3: Yeah, no, And it comes back to as well, you know,
27:15
Speaker 3: the difference between mom and dad and their view on money,
27:21
Speaker 3: and then how that's sort of come out in me.
27:24
Speaker 3: But yeah, I think I do put a lot of
27:26
Speaker 3: pressure on myself, especially when all you're hearing all the
27:29
Speaker 3: time is, oh, you know, like you're not really going
27:31
Speaker 3: to be able to afford a house and all this stuff,
27:32
Speaker 3: and it's like I'll make it work, Like I know
27:34
Speaker 3: I'll be able to. You still get stressed about it,
27:37
Speaker 3: and you still put all this pressure on yourself, especially
27:40
Speaker 3: being you know, twenty two, I don't know when I'm
27:44
Speaker 3: going to be able to afford to buy a house.
27:46
Speaker 2: But you're also only twenty two, Like you're still a baby,
27:50
Speaker 2: You're still at UNI. The fact that you've already basically
27:53
Speaker 2: had a whole career in stubranuation and now you're writting.
27:56
Speaker 2: You know, you're a studio coordinator, you're about to step
27:58
Speaker 2: into being a full time per instructor. I feel like
28:01
Speaker 2: you have so much ahead of yourself, and when I
28:04
Speaker 2: look at this situation, I go, you're putting so much
28:06
Speaker 2: pressure on yourself even though you're killing it at the moment.
28:09
Speaker 2: Like even the idea that your big money goal when
28:12
Speaker 2: I asked about it, wasn't like, oh, I want to
28:13
Speaker 2: buy a house or I want to do this thing
28:15
Speaker 2: that kind of is a little bit unobtainable at this point,
28:18
Speaker 2: you were really realistic about that. You were like, actually,
28:21
Speaker 2: my big money goal at the moment is paying for
28:23
Speaker 2: what I need to pay for and making sure I've
28:24
Speaker 2: got the money, and I really want to build an
28:26
Speaker 2: emergency fund, and I'm like, Slay, that's exactly where you
28:29
Speaker 2: need to be.
28:30
Speaker 3: Yeah, I think for me, it's just been such a
28:32
Speaker 3: difference earning so much for my age of course, and
28:36
Speaker 3: then like moving into this but at the same time,
28:39
Speaker 3: like my mental health has been so much better.
28:43
Speaker 2: I was about to say, how's your mental health?
28:45
Speaker 3: It's a lot better because where I was working like
28:49
Speaker 3: fifty five hours a week plus UNI plus my Plarti's course,
28:53
Speaker 3: plus trying to like see my friends and all this
28:55
Speaker 3: kind of stuff, and it just wasn't obtainable at all,
28:58
Speaker 3: and I was just consistently anxious. So yeah, I think
29:03
Speaker 3: I knew when I first started at that job it
29:06
Speaker 3: wasn't a forever job for me. I had the party's job,
29:10
Speaker 3: and I was like, you know what, I live at
29:11
Speaker 3: home still, Like now I just need to start taking
29:15
Speaker 3: care of myself and just focus on moving on and
29:19
Speaker 3: into what I actually want to do. So yeah, it's
29:22
Speaker 3: definitely been a lot better.
29:23
Speaker 2: That makes me so happy, Like I'm so proud of
29:25
Speaker 2: you that you made those decisions, but also you've just
29:28
Speaker 2: got this air of reflection about you that most twenty
29:31
Speaker 2: two year olds don't have. Let's be honest, like at
29:33
Speaker 2: twenty two, I was in a mountain of debt, pretending
29:36
Speaker 2: it didn't exist, like partying until the sun came up.
29:40
Speaker 2: Like it was a lot at twenty two, and I
29:42
Speaker 2: just go wow, Like you have so much ahead of you.
29:45
Speaker 2: The fact that you're already thinking about superannuation, you have
29:48
Speaker 2: a really good super fund, You're making additional contributions, you're
29:52
Speaker 2: aware of what that means. You're like, you know, leveraging
29:55
Speaker 2: your government co contribution. Like everything just makes sense here
29:59
Speaker 2: and can just see such a bright financial future. It
30:02
Speaker 2: makes me so happy. Even though I guess you overlay
30:05
Speaker 2: it with going We'll v I'm still really stressed about it.
30:07
Speaker 2: I still struggle with ADHD. I'm still anxious. Like all
30:10
Speaker 2: of those things they make sense, but I just feel
30:13
Speaker 2: like there's a lot of pressure you're putting on yourself,
30:15
Speaker 2: which is very ADHD of you. Yeah, I was gonna say, like,
30:19
Speaker 2: you're putting a lot of pressure on yourself to be
30:21
Speaker 2: the best of the best. But at the same time,
30:23
Speaker 2: I'm like, do you think that your friends look at
30:25
Speaker 2: you and go, wow, money, Darist really has her stuff together.
30:29
Speaker 3: That's a really good question that I don't know if
30:33
Speaker 3: I can answer, no.
30:35
Speaker 2: We know they do. We know your friends are looking
30:37
Speaker 2: at you going money Darrest has got it together. They
30:39
Speaker 2: don't see this side of you, do they. They don't
30:41
Speaker 2: see you going, oh my impulse spending's out of control
30:44
Speaker 2: and I'm really stressed about this that the other they're
30:46
Speaker 2: probably looking at you going, holy moly, she had this
30:49
Speaker 2: really cool job. She's now stepped more into Pilate's like
30:51
Speaker 2: she's following her dreams. Like if you or my friend,
30:54
Speaker 2: I'd be like, she's living her best life and I'm
30:56
Speaker 2: envious of that. Yeah, no one knows who you are,
30:58
Speaker 2: so it's fine. You can have a few tinke. It's
31:00
Speaker 2: on yourself here. No one's going to be like, oh
31:01
Speaker 2: my gosh, I can't believe x y Z said that
31:03
Speaker 2: because they don't know who you are.
31:05
Speaker 3: I know, I think that I do question myself a lot,
31:08
Speaker 3: and I'm very lucky that, like I can be so
31:10
Speaker 3: open with my partner.
31:12
Speaker 2: Yeah, that's what you need, and.
31:13
Speaker 3: I mean sometimes you know, he's very lucky with his finances.
31:19
Speaker 3: He doesn't really have to pay for anything and he
31:21
Speaker 3: still lives at home with his parents, and you know
31:24
Speaker 3: him and his investing is crazy.
31:27
Speaker 2: See You're going to be a rich power couple.
31:29
Speaker 3: That's the goal.
31:30
Speaker 2: I love it.
31:31
Speaker 3: Yeah, but he's very good in reminding me and like
31:34
Speaker 3: bringing me back down, you know, grounding me and saying, like,
31:37
Speaker 3: you know, you've done this for this reason. It's just
31:40
Speaker 3: short term and I just need to keep telling myself
31:42
Speaker 3: like it's short term pain, long term gain.
31:44
Speaker 2: Yeah. All right, I have two more questions for you. Yes,
31:47
Speaker 2: So the first question I want to ask is actually
31:50
Speaker 2: around ADHD when you were diagnosed last December, what was
31:54
Speaker 2: the thing that finally made the most sense.
31:56
Speaker 3: I think the not being able to like stay focused
32:00
Speaker 3: on a task. I would get distracted so easily. And
32:05
Speaker 3: then I remember the first day I took my medication
32:07
Speaker 3: and I sat in front of my computer and worked
32:09
Speaker 3: for eleven hours straight, and I was so focused.
32:12
Speaker 2: Isn't it crazy?
32:13
Speaker 3: It's actually insane.
32:15
Speaker 2: And I'm not saying this because, oh my gosh, medication
32:17
Speaker 2: is great, but like it's kind of like, because you
32:20
Speaker 2: have ADHD, you already are quite intelligent, and you already
32:25
Speaker 2: are like wanting to do that eleven hours of work, right,
32:28
Speaker 2: you just don't have the ability to. And the second
32:31
Speaker 2: you're given the ability to do that, you're like, holy moly,
32:34
Speaker 2: I can smash the whole day out Like that's literally meah,
32:37
Speaker 2: and it's wild that you then do it, like and
32:40
Speaker 2: then you've just got to make sure that once you
32:42
Speaker 2: do start medication, you're caring about your well being and
32:45
Speaker 2: making sure you're still going to pilarates and still eating lunch.
32:47
Speaker 2: Because once you get that focus, it's kind of like
32:51
Speaker 2: gifted back to you in a way. You're like, oh,
32:53
Speaker 2: this is all I care about now, which is not
32:55
Speaker 2: good sometimes as well.
32:57
Speaker 3: Yeah, I think like even the hyperfocus around the things
33:00
Speaker 3: that you're actually really passionate about, Like the things that
33:03
Speaker 3: I just did not care for, I would leave the
33:06
Speaker 3: last minute and I would only smash it out when
33:08
Speaker 3: it became like they absolutely had to do it. But
33:12
Speaker 3: I could sit there and hyper focus on something that
33:14
Speaker 3: I was really enjoying and sit there for like five hours.
33:17
Speaker 2: Yeah, and it would be confusing because you're like, why
33:19
Speaker 2: can't I just do the exact same thing with my
33:22
Speaker 2: uni assignment that's due. That would take a lot of
33:24
Speaker 2: pressure off me. Am I going to do that? Absolutely not?
33:26
Speaker 2: Why wouldn't do that?
33:27
Speaker 3: Yep, that's pretty much it. I don't know, if you
33:30
Speaker 3: know this, But you know that voice in your head
33:32
Speaker 3: that's like talking to you all the time. Yeah, that's
33:34
Speaker 3: not a thing for normal people. No, I know, blew
33:37
Speaker 3: my mind.
33:38
Speaker 2: I sounded insane when I was like, yeah, yeah, but
33:40
Speaker 2: the voice in your head that doesn't stop you know
33:41
Speaker 2: that one They're like distracts you. They're like, Victoria, are
33:44
Speaker 2: you all right? And I'm like, yeah, don't you all
33:48
Speaker 2: have that voice in your head?
33:49
Speaker 3: My partner will be laying there, I'm like, what do
33:51
Speaker 3: you think about it? He's like nothing. I'm like, how are
33:52
Speaker 3: you thinking about nothing?
33:53
Speaker 2: How do you think about nothing?
33:55
Speaker 3: It's insane. I think that can put a lot of
33:58
Speaker 3: pressure on yourself as well, because is that's going all
34:02
Speaker 3: the time.
34:02
Speaker 2: No, I totally get that.
34:04
Speaker 3: And it's conflicting with what you know. So yeah, it's
34:07
Speaker 3: trying to tell you something different to what you know,
34:09
Speaker 3: and then that can get really confusing and stressful as well.
34:11
Speaker 2: No, I totally agree. All right, last question I've got
34:14
Speaker 2: for you. At the start of this episode, you graded
34:18
Speaker 2: yourself a C plus. We have now had a really
34:20
Speaker 2: beautiful conversation. I feel like I've learned so much about you,
34:23
Speaker 2: but I want to know after this conversation and like
34:25
Speaker 2: a little bit of self reflection. Do you think you're
34:28
Speaker 2: still a C plus? If so, why if not, what
34:31
Speaker 2: do you think your grade is?
34:32
Speaker 3: I think I'm gonna give myself a B plus.
34:34
Speaker 2: All right, that feels like a good upgrade.
34:36
Speaker 3: Yeah, there's still room for improvement. But yeah, I think
34:40
Speaker 3: that I was not giving myself credit where credit.
34:43
Speaker 2: Was due exactly. I feel like you're putting so much
34:45
Speaker 2: pressure on yourself. Tell me what it would take to
34:49
Speaker 2: get from a B plus to an A plus, Like
34:51
Speaker 2: what is that journey looking like?
34:54
Speaker 3: I think just having that financial freedom of it not
34:58
Speaker 3: being a stress, so having that emergency fund, having that savings,
35:03
Speaker 3: and not needing to watch every dollar go in and
35:06
Speaker 3: out of my account.
35:07
Speaker 2: How good is that? Because you're on the tractor doing
35:09
Speaker 2: exactly that, Like you don't even need to make behavioral change.
35:12
Speaker 2: You already told me that was your big money goal.
35:14
Speaker 2: And with you, you know, about to graduate from your
35:16
Speaker 2: Polarates course, you're gonna be like a full proper Pilates instructor.
35:21
Speaker 2: I'm so excited for this for you.
35:23
Speaker 3: Thank you. I'm excited as well.
35:25
Speaker 2: Oh my gosh, money, Darrest, I'm so sorry, but this
35:28
Speaker 2: is all we have time for today. It has been
35:30
Speaker 2: an absolute pleasure getting to know you. Thank you so
35:33
Speaker 2: much for sharing so much about yourself and your journey
35:35
Speaker 2: with our community. I know they are all so incredibly grateful.
35:40
Speaker 3: Thanks for having me.
35:41
Speaker 2: Of course, the advice shared on She's on the Money
35:50
Speaker 2: is generally nature and does not consider your individual circumstances.
35:55
Speaker 2: She's on the Money exists purely for educational purposes and
35:58
Speaker 2: should not be relied upon to can investment all financial decision.
36:02
Speaker 2: If you do choose to buy a financial product, read
36:04
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards
36:09
Speaker 2: your needs. Victoria Divine and She's on the Money are
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