Latest / She's On The Money / FRIDAY DRINKS: We talk the latest "Credit Card"/Influencer combo with Glen James

Transcript

FRIDAY DRINKS: We talk the latest "Credit Card"/Influencer combo with Glen James · She's On The Money

0:00
Speaker 1: Just before we get started, we'd like to acknowledge and
0:03
Speaker 1: pay respect to Australia's Aboriginal and torrest Rate islander people's.
0:07
Speaker 1: They're the traditional custodians of the lands, the waterways and
0:10
Speaker 1: the skies all across Australia.
0:12
Speaker 2: We thank you for sharing and for caring for the
0:14
Speaker 2: land on which we are able to learn.
0:17
Speaker 1: We pay respects to elders past and present, and we
0:19
Speaker 1: share our friendship and our kindness.
0:22
Speaker 3: She's on the Money, She's on the Money.
0:45
Speaker 1: Hello, and welcome to She's on the Money, the podcast
0:48
Speaker 1: for millennials who want financial freedom. Guys, Today is Friday,
0:52
Speaker 1: which means it is time to sit back with the
0:55
Speaker 1: girls and Glenn James with a bev in hand, to
0:58
Speaker 1: unpack our favorite mode of the week, and of course
1:02
Speaker 1: to celebrate you the incredible She's on the Money community.
1:05
Speaker 1: As always, we're going to be sharing our favorite money wins.
1:08
Speaker 1: We're going to be discussing what's making news in the
1:10
Speaker 1: finance world, and we're going to be helping with a
1:13
Speaker 1: hand from our friend Glenn James.
1:14
Speaker 2: High Glenn, welcome to the show.
1:16
Speaker 4: Hello.
1:17
Speaker 1: We're going to be answering some juicy money questions which
1:20
Speaker 1: this week. We have no idea what they're about. Anna
1:22
Speaker 1: Lisa's just going to drop them in and surprise.
1:23
Speaker 4: Us with them.
1:24
Speaker 1: So before we get there, first, let's recap the week
1:28
Speaker 1: that was Miss Jess Garci, who looks wildly underprepared because
1:32
Speaker 1: she thought I wouldn't be so speedy with this intro.
1:35
Speaker 2: What happened this week on Money Diary.
1:38
Speaker 5: This week's Money Diarist and a little content warning here,
1:40
Speaker 5: we're going to talk about assault was a little heavy one,
1:44
Speaker 5: but I think it was really important and we got
1:45
Speaker 5: some great feedback because our diarist was unfortunately the victim
1:49
Speaker 5: of a crime, which is really really horrible. But she
1:52
Speaker 5: spoke about some resources that are available in some financial
1:55
Speaker 5: aid that is available to people who do undergo crimes
1:59
Speaker 5: and assaults things like that to help you get your
2:01
Speaker 5: life back on track. So I think she said she
2:03
Speaker 5: used it in the interim she was at UNI and working,
2:06
Speaker 5: and obviously when you go through a trauma, you can't
2:10
Speaker 5: just kind of pick up your life and go about
2:12
Speaker 5: as you need that. No, you need time and you
2:15
Speaker 5: need to be able to look after yourself. So she
2:16
Speaker 5: spoke about that resource. And we had a DM from
2:18
Speaker 5: a girl this morning actually who said, I didn't know
2:21
Speaker 5: that was a thing, and I have recently been a victim.
2:23
Speaker 5: Thank you so much because I'm going to go look
2:26
Speaker 5: into that.
2:27
Speaker 2: I was so worth it, even for just her, And that's.
2:29
Speaker 5: The thing, Like, it was so powerful. It was something
2:31
Speaker 5: that I didn't know exist cit either. So I'm so
2:33
Speaker 5: grateful to her for being so open and willing to
2:36
Speaker 5: share about something that would have been incredibly difficult to share.
2:39
Speaker 1: It was really kind the trust she had in our
2:42
Speaker 1: community to share such I guess an intimate story that's
2:46
Speaker 1: just really special.
2:47
Speaker 5: Yeah, and it's already had an impact on someone, so
2:50
Speaker 5: she can feel good knowing that she did that, which
2:52
Speaker 5: is amazing.
2:53
Speaker 2: Week off to a very good start, jess. I.
2:56
Speaker 6: It's funny because I knew that I was going to
2:58
Speaker 6: come in and have a drinks. I'm like, oh, maybe
3:01
Speaker 6: I should listen to.
3:02
Speaker 2: The would have money really good research.
3:06
Speaker 6: Yeah that's right, because I'm very prepared. But I saw
3:09
Speaker 6: the topic and I saw the warning and I actually
3:13
Speaker 6: didn't listen to it. But I would say for someone
3:17
Speaker 6: to share around that topic publicly, that's just amazing because
3:21
Speaker 6: for me personally, it's it really affects me and I
3:27
Speaker 6: don't know why.
3:28
Speaker 4: But I can't just.
3:29
Speaker 2: Assume that content in an easy way.
3:32
Speaker 6: All that to say, and I'm getting weird talking about it, Like,
3:36
Speaker 6: I think you're a champion for coming in and sharing
3:38
Speaker 6: that story and if it does encourage other people to
3:43
Speaker 6: speak out or whatever, Yeah, it's just wild.
3:47
Speaker 2: That's so important.
3:48
Speaker 1: It's also why we always like to make sure we're
3:50
Speaker 1: super clear with our content and trigger warnings, because money
3:54
Speaker 1: diaries can get really deep, really quickly, because we're asking, well,
3:57
Speaker 1: what's your money story, what's your background? Tell us about you,
4:00
Speaker 1: share your story and your journey. And when we organized
4:03
Speaker 1: this money diary, we found ourselves in a position where
4:06
Speaker 1: we didn't actually know that was part of her money
4:08
Speaker 1: story until we started talking to her and learning a
4:11
Speaker 1: bit about her and we were talking about debt and
4:13
Speaker 1: how she got out of that debt, and she was like, oh,
4:16
Speaker 1: well actually, And it was really nice that she was
4:18
Speaker 1: so open and honest, and we obviously go back and
4:20
Speaker 1: add the warnings, but there are heaps of people like
4:23
Speaker 1: you were like, oh, look, I really know that this
4:25
Speaker 1: is important. I so support it, but right now I'm
4:28
Speaker 1: on my commute to work. I don't have the capacity
4:31
Speaker 1: to carry that load right now and I think that's
4:33
Speaker 1: totally okay.
4:35
Speaker 4: Yeah, so good on you money dires.
4:37
Speaker 2: But let's move on.
4:38
Speaker 1: That was a very good start to the week, Miss Jessicaraci,
4:42
Speaker 1: Geking on TUA, Who's I guess on tour?
4:44
Speaker 2: You're coming in remote from COVID central. This is so weird.
4:48
Speaker 7: I'm in isolation because Harts has COVID again twice in
4:53
Speaker 7: three mice. Also, be careful out there, everyone, I'm lucky.
4:58
Speaker 2: Here, should go buy a lotto ticket? Well, I mean,
5:02
Speaker 2: Georgia King. What happened on our Wednesday deep dive?
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Speaker 7: So on Wednesday V we went deep into ethical investing,
5:10
Speaker 7: so we spoke about what it is, how to do it,
5:13
Speaker 7: and why, Like what is ethical to one person isn't
5:16
Speaker 7: necessarily ethical to another. So we have done an episode
5:20
Speaker 7: on this before, so it was it was nice to
5:22
Speaker 7: go back into it because we still had so many
5:24
Speaker 7: questions and hopefully in this episode we answered them.
5:27
Speaker 1: We will continue to flog the dead horse, which is
5:29
Speaker 1: ethical investing. I'm not going to get off that high
5:32
Speaker 1: horse either, dead horse high horse. I think I meant
5:35
Speaker 1: something different. We're going to move on, but Glenn James,
5:37
Speaker 1: you've joined us to hang out on the Friday Drinks
5:39
Speaker 1: episode because you're in Melbourne and we're like, well we're
5:41
Speaker 1: recording our pod, you may as well come whatever. But
5:44
Speaker 1: those of you who don't know Glenn, James heat runs
5:46
Speaker 1: My Millennial Money, an equally good questionable money podcast. But Glenn,
5:52
Speaker 1: when it comes to ethical investing, what's your stance?
5:54
Speaker 4: Yeah?
5:55
Speaker 6: I think Georgia you said it perfect. I'm looking at
5:58
Speaker 6: her and she's not looking at me, but whatever she's looking,
6:02
Speaker 6: it's really important to understand. And this is the trouble
6:05
Speaker 6: I have, Like with our group of people, what is
6:09
Speaker 6: ethical to you might not be ethical to somebody else.
6:12
Speaker 6: And you know, would you rather invest in a coal
6:16
Speaker 6: mining company or a bank or a big social network
6:19
Speaker 6: that minds data with a blue logo. I mean, you've
6:24
Speaker 6: just got to make that choice based on your own values.
6:28
Speaker 6: But I will say, you know, the more you screen,
6:32
Speaker 6: the less options you will end up having. So there's
6:35
Speaker 6: got to be this tipping point. And actually I should
6:38
Speaker 6: introduce you. We had a guest on our show, Kate
6:41
Speaker 6: Howard from Fidelity, and they took a different view with
6:45
Speaker 6: this whole thing, and they were talking about this impact
6:48
Speaker 6: investing and they had the view that look, we represent
6:52
Speaker 6: a lot of money, so we want to actually lean
6:55
Speaker 6: into these companies and have a seat at the boardroom
6:58
Speaker 6: table to say no, we still want to invest with
7:03
Speaker 6: your company. You need to make these changes all will
7:06
Speaker 6: take our money elsewhere.
7:07
Speaker 4: So I love that.
7:09
Speaker 6: It's a really good view that, Yeah, we just need
7:11
Speaker 6: to be more understanding about what it is. I used
7:15
Speaker 6: to think mining equals bad, equals unethical, but no, you
7:19
Speaker 6: need to mine stuff to make steel to put in
7:22
Speaker 6: wind turbines, for example, So yes, fossil fuel burning equals bad,
7:27
Speaker 6: that mining doesn't necessarily equal bad.
7:30
Speaker 1: Yeah, So I think it's all about education and understanding it. Yes,
7:33
Speaker 1: I would, by the way, than introduction and we'll get
7:36
Speaker 1: them on the show and have a chat about that,
7:37
Speaker 1: because that episode had so much feedback and just so
7:41
Speaker 1: much chatter surrounding it of people having further questions, and
7:44
Speaker 1: I just think it's not a conversation we're done having.
7:46
Speaker 5: Ethinic also really big umbrella term as well, and you
7:48
Speaker 5: guys break down on that podcast ethical versus sustainable versus impact,
7:52
Speaker 5: because I think people often confuse the three and think
7:55
Speaker 5: that ethical lenders must be all of it, when actually
7:57
Speaker 5: it's like a facet of you know, the different ways
8:00
Speaker 5: that you can structure your portfolio in line with your value.
8:02
Speaker 5: So while with a listen, I found that one really
8:04
Speaker 5: interesting personally.
8:05
Speaker 1: And Glenn, I know you didn't listen to it because
8:07
Speaker 1: you don't need to listen to our episodes. But we
8:10
Speaker 1: also spoke about like greenwashing and you know how spicy
8:14
Speaker 1: that can be. And Glenn and I we have lots
8:15
Speaker 1: of offline conversations sending screenshots back and forth of different
8:19
Speaker 1: companies who are saying things that we're like, ah, that's
8:21
Speaker 1: a little bit off, but whatever. Greenwashing is such a
8:25
Speaker 1: massive thing in that space. And what I said on
8:28
Speaker 1: the podcast was that it's not like the organic sticker
8:30
Speaker 1: where you go into the supermarket and there's a little
8:32
Speaker 1: organic sticker on the apple and you know that it's
8:35
Speaker 1: GMO certified and all of these other things because it's
8:37
Speaker 1: met the criteria in Australia to be an organic apple,
8:41
Speaker 1: Whereas with an ethical platform, it's like they can use
8:45
Speaker 1: whatever words they want. There's actually no criteria that globally
8:48
Speaker 1: they need to meet unless you're looking at things that
8:51
Speaker 1: are ESG and ESG is a completely different Paul game. Again,
8:55
Speaker 1: So ethical is your personal point of view, whereas ESG
8:58
Speaker 1: is a genuine form of investing where they have to
9:01
Speaker 1: meet criteria, but most investors just don't know that.
9:05
Speaker 6: Yeah, and I think it's important to understand that as
9:08
Speaker 6: time goes on, green washing will become less and less
9:12
Speaker 6: because we the people, will just see right through it
9:15
Speaker 6: and it goes to all facets of marketing, right. Like
9:18
Speaker 6: I was at the supermarket the other day and I
9:20
Speaker 6: saw like some sausages and it's just like gluten free.
9:24
Speaker 4: It's like, well, no, they're all gluten free anyway.
9:26
Speaker 2: Because they're not because they're made with bread crumbs.
9:29
Speaker 4: Sausages. Yes, what part of the sausages.
9:32
Speaker 2: Like the in the meat?
9:34
Speaker 6: Like I talked to the butcher and he said, all
9:36
Speaker 6: our sausages we make, okay.
9:38
Speaker 2: Sometimes they have gluten in them.
9:40
Speaker 1: Somebody who has the Celiac in the family and usually
9:43
Speaker 1: eats gluten free. I promise, I'm not even buying sausages.
9:47
Speaker 1: I'm a little I don't even meat.
9:49
Speaker 2: I don't know why.
9:52
Speaker 6: Out it'd be like seeing an advertisement on a bottle
9:55
Speaker 6: of water to say it's vegan. Like it gets to
9:58
Speaker 6: the point where it's like taking a sauce. Kaigan has
10:00
Speaker 6: read that water is vegan and gluten free.
10:03
Speaker 5: They're just trying to appeal to people because they know
10:05
Speaker 5: that people are now prioritizing global issues and they're trying
10:08
Speaker 5: to appeal to that conception.
10:09
Speaker 2: I think they're taking advantage of that. Then. Yeah, but this.
10:13
Speaker 6: Is like all right, Georgia, hello, just to bring you
10:16
Speaker 6: back in. This is the thing where like the marketing
10:20
Speaker 6: team and hello to all the marketers, you do wonderful things.
10:26
Speaker 4: Like this is.
10:27
Speaker 6: Where like the marketing team could get involved with something
10:29
Speaker 6: to sell it externally and maybe not represent what's actually
10:35
Speaker 6: going on.
10:36
Speaker 4: Spicy, I don't know, like and so.
10:39
Speaker 6: You take something like the bottle of water that we
10:42
Speaker 6: know is inherently vegan, Well, the marketing team might get
10:45
Speaker 6: involved to go, let's market this water as vegan.
10:49
Speaker 7: But to their credit, that's genius. Like until tighter regulations
10:55
Speaker 7: are put down on this stuff like gophy life, I think,
10:58
Speaker 7: and we just have to use our kind of consumer
11:01
Speaker 7: knowledge and now kind of that's through the bullshit.
11:04
Speaker 2: Next week on She's on the money, We're going to
11:06
Speaker 2: be sponsored by Georgia's new water brand Water.
11:11
Speaker 6: So for example, we know categorically if you'll got the
11:15
Speaker 6: b CORP certification, like you've done a lot of work
11:19
Speaker 6: in the background. Yeah, so I think it is knowing
11:21
Speaker 6: those trusted certifications that aren't rubbish.
11:25
Speaker 2: Yeah, absolutely absolutely.
11:27
Speaker 1: Let's move on from here though, because they don't want
11:29
Speaker 1: to get too deep, because I do have a really
11:31
Speaker 1: big content piece that I want to discuss, which has
11:33
Speaker 1: been going very well online recently. I feel like people
11:36
Speaker 1: are up in arms. In fact, someone DMed me this
11:39
Speaker 1: morning about it and they were like, I just need
11:40
Speaker 1: to tell my finance mum about this, And I was like, girl,
11:42
Speaker 1: if you tell me, I hold a grudge. Like you
11:44
Speaker 1: can't tell your finance mum something and then have them
11:47
Speaker 1: forget about it later. Don't come back to me and
11:49
Speaker 1: say that you like this person now she's been written off.
11:52
Speaker 1: That's how it works when you tell your mum things.
11:54
Speaker 1: But moving on to the community again, Georgia King, we
11:58
Speaker 1: would love to know what are the top money wins
12:00
Speaker 1: that you've pulled from the group this week.
12:02
Speaker 7: All right, We've got a few this week, guys. I'm
12:04
Speaker 7: very excited that Glenn James is here for this part
12:07
Speaker 7: of the show as well.
12:08
Speaker 1: I'm gonna bit worried about what his feedback on your
12:10
Speaker 1: money wins might be guys.
12:12
Speaker 7: What if it's that I actually did see in the
12:14
Speaker 7: list of money wins someone received Glenn James's book, but
12:18
Speaker 7: I was like, don't put that in Georgie's The Enemy's Competition.
12:22
Speaker 2: So a bit awkward.
12:23
Speaker 7: Now, all right, let's get into it, guys. The first
12:26
Speaker 7: win of the week is from Jonah. I was looking
12:29
Speaker 7: into buying tiles to update the kitchen and bathrooms in
12:32
Speaker 7: my investment property. However, coincidentally, my neighbor was giving away
12:36
Speaker 7: heaps of boxes of tiles for free on her nature strip.
12:40
Speaker 7: The tiles of the style I was looking for and
12:42
Speaker 7: in the exact quantity I needed.
12:44
Speaker 2: How perfect manifested it? Jess we don't know how good
12:47
Speaker 2: to be. I will fight you. Do you want to down, fir?
12:52
Speaker 4: Sit down? All right?
12:53
Speaker 2: Sit down, don't stand up?
12:55
Speaker 5: Name me an item. I will find it. I will
12:57
Speaker 5: manifest it on market place.
13:00
Speaker 6: Okay, well, we'll mark this right now that I will
13:04
Speaker 6: have a manifesting debate with Jessica Richie.
13:08
Speaker 2: And time and a plan I have to say, Jessica Riach.
13:14
Speaker 7: The next thing, guys, comes from Angie. Today, I ticked
13:17
Speaker 7: over sixty thousand dollars in my house deposit fund.
13:19
Speaker 2: Which I've been saving on my own.
13:22
Speaker 7: Since I got more serious about saving after divorcing my ex.
13:25
Speaker 7: I've managed to save thirty five thousand dollars in the
13:28
Speaker 7: last two and a half years. With my current projections,
13:32
Speaker 7: by the end of next year, I'll have eighty thousand
13:34
Speaker 7: dollars for a house deposit and can join forces with
13:36
Speaker 7: my partner to hopefully buy my first home and his second.
13:40
Speaker 2: Good on you, Angie, Yes, Queen, I love that.
13:42
Speaker 1: I also loved that she's like I kicked my ex
13:44
Speaker 1: to the curb and now I am flourishing.
13:46
Speaker 2: Yes.
13:47
Speaker 7: The next thing is from Kiara. I found an old
13:50
Speaker 7: birthday card from my twenty first which was three years ago,
13:54
Speaker 7: and I didn't realize at the time, but hidden behind
13:57
Speaker 7: a few photos of my friend and I was actually
13:59
Speaker 7: of fifty dollar Bras and Things gift voucher which doesn't
14:02
Speaker 7: expire until November this year.
14:04
Speaker 2: Money actual win. Guys. We love brass are so expensive,
14:08
Speaker 2: don't you think, Glenn?
14:09
Speaker 4: I do think, and I do.
14:11
Speaker 2: Oh, let's not go.
14:14
Speaker 5: I don't want any more information, please, I keep going O.
14:21
Speaker 2: Thanks though. The next week is from Olivia.
14:24
Speaker 7: I resigned from my job of three and a half
14:27
Speaker 7: years for various reasons, including not feeling valued. I started
14:31
Speaker 7: training my replacement, and four days into that training, she
14:34
Speaker 7: decided the role wasn't for her. Rough I had three
14:37
Speaker 7: days left of my notice period and four weeks until
14:40
Speaker 7: I started my new job, so I offered to still
14:43
Speaker 7: assist in my old role and train the next replacement.
14:46
Speaker 4: Me.
14:47
Speaker 7: In doing so, I negotiated a pay rate of double
14:51
Speaker 7: my usual rate for any work I do within business
14:53
Speaker 7: hours and triple my old rate outside of business hours.
14:57
Speaker 7: I'll keep on doing this work until I start my
14:59
Speaker 7: new role.
15:00
Speaker 2: Yeah, that makes sense. Was convoluted, No, it made sense.
15:03
Speaker 1: It made sense, And I've actually had this conversation recently
15:06
Speaker 1: with someone who has asked to work for their old employer.
15:09
Speaker 1: I was like, okay, cool, but they don't just get
15:11
Speaker 1: to divide your annual past income and pay you that rate. Like,
15:16
Speaker 1: go find what a freelancer who would do that rate
15:19
Speaker 1: would look like and charge that because you're freelancing, Like,
15:22
Speaker 1: this is how it works. You shouldn't be just paid
15:25
Speaker 1: your old stuff. You absolutely should have argued that, And
15:27
Speaker 1: I think that's primo.
15:29
Speaker 2: Very clever.
15:29
Speaker 7: From Olivia, Well done, girl. On the next win is
15:33
Speaker 7: from Carlos whilst religiously investing over the past year. I'm
15:36
Speaker 7: getting paid a few hundred dollars in dividends this month.
15:39
Speaker 2: V That's what we talked about last week. Does that
15:42
Speaker 2: feel We love it? The money that your money made.
15:45
Speaker 4: Yes.
15:46
Speaker 7: Our final win for today, guys, is from Rachel. Massive
15:49
Speaker 7: money win. I discovered by accident that I was eligible
15:52
Speaker 7: for the higher rate of childcare subsidy for my youngest
15:55
Speaker 7: who is at daycare five days a week. We are
15:58
Speaker 7: now saving one hundred and twenty dollars a week and
16:00
Speaker 7: I'm adding the savings to paying off my personal loan,
16:02
Speaker 7: and that's four hundred and eighty dollars extra months to
16:04
Speaker 7: put towards the loan.
16:06
Speaker 2: I love that. That's so much money.
16:08
Speaker 1: If I knew how to check that, I would tell you, guys,
16:11
Speaker 1: but if you do have childcare, I'd be looking into
16:13
Speaker 1: whether you are paying the right amount or not because
16:15
Speaker 1: that sounds like a massive money win.
16:17
Speaker 2: One hundred percent. That's all I've got for you this week, guys. Exciting.
16:21
Speaker 1: Well, let's throw to a really quick break because it
16:23
Speaker 1: turns out we do need to get paid, and when
16:25
Speaker 1: we come back, we are going to be talking about
16:28
Speaker 1: a spicy credit card, an influencer has decided to make
16:31
Speaker 1: for us. All right, we are back, Jessica. You have
16:35
Speaker 1: brought to the table this week the content that we
16:38
Speaker 1: would like to talk about.
16:39
Speaker 4: It's what we're here for.
16:41
Speaker 1: We are here for the content. We are here for
16:43
Speaker 1: the drama. And this week it was announced that what
16:46
Speaker 1: I would say is a scandal ridden influencer has decided
16:49
Speaker 1: to partner with a credit card company.
16:50
Speaker 2: Is that right? What have you got for us?
16:52
Speaker 3: So?
16:53
Speaker 5: Danielle Bernstein, who is a blogger or an influencer, She
16:57
Speaker 5: originally had a blog called we Wore What, very very popular.
17:00
Speaker 5: She's moved on and done a whole bunch of collaborations.
17:02
Speaker 5: I believe she has her own clothing line now and
17:05
Speaker 5: the headline runs Daniel Bernstein is launching a we Wore
17:09
Speaker 5: What credit card. So we of course saw this and well,
17:11
Speaker 5: like excuse me.
17:13
Speaker 1: My dms have been absolutely blowing up about these articles
17:16
Speaker 1: about this credit card and on face value, because usually
17:19
Speaker 1: I read my Instagram messages when I'm on the go,
17:22
Speaker 1: like I was reading them on the tram and I
17:23
Speaker 1: was trying to work out what they were. I didn't
17:25
Speaker 1: have time to read the full articles, and I was like,
17:27
Speaker 1: oh my gosh, and influencer launching her credit card.
17:29
Speaker 2: How irresponsible. This is wild.
17:32
Speaker 1: So we did a bit of digging before we posted
17:34
Speaker 1: about it on our own socials because you didn't want
17:36
Speaker 1: to jump too many conclusions. And jeffs, it's not a
17:38
Speaker 1: credit card.
17:39
Speaker 4: Is it.
17:39
Speaker 5: It's not. So it is through Visa, which obviously do
17:43
Speaker 5: have credit cards, but it's actually a pre paid card, so.
17:46
Speaker 2: Kind of like a gift card.
17:47
Speaker 4: Nope, Glee Jans, can I correct you and you can
17:50
Speaker 4: edit this out?
17:50
Speaker 2: Please feel free.
17:51
Speaker 6: So Visa do not actually have credit cards. They are
17:56
Speaker 6: the payment gateway in the payment service.
17:58
Speaker 2: That facilitates its excellent stay in that. Yeah, that's not
18:03
Speaker 2: a bad thing.
18:04
Speaker 1: Visa and MasterCard are the payment terminals, and then you
18:07
Speaker 1: can have a Visa credit card, but it would be
18:09
Speaker 1: hosted by somebody else.
18:11
Speaker 5: Yeah, so you can have credit cards with Visa, which
18:13
Speaker 5: I think is where all of these headlines kind of
18:15
Speaker 5: came from.
18:15
Speaker 1: But people are assuming as well. I think it's a
18:17
Speaker 1: lack of financial literacy in a way for people to
18:21
Speaker 1: just be like card credit card, ding ding ding, that's
18:24
Speaker 1: the answer. And I mean it's arguably the headline that's
18:27
Speaker 1: going to sell you know, the newspapers, Not that anyone
18:29
Speaker 1: buys newspapers. Yeah, No, one's going to pick it up
18:32
Speaker 1: and be like influencer launches financially responsible charge card.
18:36
Speaker 2: That's not going to happen. Like this card.
18:38
Speaker 1: We've looked into it. You can only spend what you've
18:41
Speaker 1: loaded the card with.
18:42
Speaker 5: Yeah, so it's prepaid, and the whole idea is that
18:44
Speaker 5: there will be a bunch of perks available to users
18:47
Speaker 5: that wouldn't be available otherwise, and that's the incentive. But
18:50
Speaker 5: it's a really interesting crossover to see because this is
18:54
Speaker 5: obviously a really large corporation in the finance space testing
18:59
Speaker 5: the waters to see how much influence and influencer has.
19:02
Speaker 5: And we were just saying before you know, two point
19:04
Speaker 5: eight million followers, like she is arguably a real full
19:08
Speaker 5: blown influencer.
19:09
Speaker 1: Yeah, she's legit. According to Glenn James. You've got the
19:12
Speaker 1: Glenn James tick of approval. That's better than the IG one.
19:15
Speaker 2: Yeah.
19:16
Speaker 6: I rate this chick. She's got like a philanthropy thing.
19:20
Speaker 5: Well, before you say that, she has spicy, spicy.
19:24
Speaker 4: She's riddled in scandals.
19:25
Speaker 2: She's controversial.
19:27
Speaker 5: I wouldn't go that far, but she has come under
19:29
Speaker 5: fire in the past, I said before, she has a
19:31
Speaker 5: clothing brand, and she's been called out for copying smaller
19:35
Speaker 5: businesses and ripping off their designs.
19:37
Speaker 2: So we do not stand.
19:39
Speaker 5: No, we do not stand. To be clear, we haven't
19:41
Speaker 5: looked too far into that side of things.
19:42
Speaker 1: I did a little bit of research before, and there
19:44
Speaker 1: are a few things where there's like Prince side by
19:47
Speaker 1: side and they're almost identical. And I also found the
19:50
Speaker 1: content where a lot of TikTokers were comparing her stuff
19:54
Speaker 1: to small businesses on Etsy, and yeah, it was I
19:58
Speaker 1: would say, pretty identical. She No, she's from New York City.
20:02
Speaker 5: There's so much money being poured into this, and I
20:04
Speaker 5: would be interested to know what they're kind of looking for.
20:08
Speaker 5: Are they looking for her to convert new people to
20:10
Speaker 5: this card or are they looking to retain people?
20:13
Speaker 1: So I looked into it, and there's obviously always an
20:17
Speaker 1: ulterior motive when it comes to anything in business, right
20:20
Speaker 1: in the ulterior.
20:20
Speaker 2: Mode, Yeah, it's.
20:25
Speaker 1: It's but that's it, right, Like someone somewhere, somehow has
20:29
Speaker 1: to be making money, otherwise what's the point of the collaboration.
20:32
Speaker 1: There's a lot behind it, and that makes sense. Everybody
20:35
Speaker 1: should get paid. I don't think that's a bad thing,
20:37
Speaker 1: but I think we should be transparent about that. So Imprint,
20:41
Speaker 1: who is the company who are facilitating that card? So
20:45
Speaker 1: as Glenn was saying before, Visa are the payment terminal,
20:48
Speaker 1: Imprint is the company issuing the card or issuing the
20:51
Speaker 1: Visa card. And they have said things like no, the
20:54
Speaker 1: card can't affect your credit score or put any of
20:57
Speaker 1: the users in debt, which I really.
20:59
Speaker 2: Like because it is a basically it's a debit card.
21:01
Speaker 1: It's an American debit card, so you put money on it,
21:04
Speaker 1: you can spend your own money, which is quite responsible,
21:06
Speaker 1: and you still get all of those benefits, which could
21:09
Speaker 1: be really nice, especially if you really align to her brand. However,
21:14
Speaker 1: Danielle has come out recently, especially after getting a whole
21:18
Speaker 1: heap of backlash about her quote super cool card. Daniel's
21:22
Speaker 1: come out and said, I don't make money from the
21:24
Speaker 1: card directly, but I will make a profit quote based
21:27
Speaker 1: on the product sales that that we will want Visa
21:31
Speaker 1: card facilitates, So that could be massive. So is that
21:35
Speaker 1: like saying I might get like one percent or it's
21:39
Speaker 1: probably way way, way less than one percent one percent
21:41
Speaker 1: of every sale that happens on one of those cards.
21:44
Speaker 6: So this is how I read it, right, So headline is,
21:48
Speaker 6: hey everyone, I've got a prepaid gift card with my
21:50
Speaker 6: brand on it now number two, So like it's no
21:53
Speaker 6: different than Westfield having a prepaid gift card, right, so
21:56
Speaker 6: it's their brand on it. She's obviously gone like because
22:01
Speaker 6: you could go to a master Card, right or Visa
22:03
Speaker 6: and say, hey, we've got this distribution. We can use
22:05
Speaker 6: this card, because I think it's important to understand how
22:09
Speaker 6: it all works in the background. So if you go
22:11
Speaker 6: and use your Tap and go card with Visa or
22:15
Speaker 6: mask card, the merchant fee, so Visa or master Card
22:20
Speaker 6: will charge the merchant fee.
22:21
Speaker 4: It's quite small.
22:22
Speaker 6: We know Amex is a big fee because they charge
22:24
Speaker 6: people extra, right.
22:26
Speaker 1: And that's why so many places will say no Amex.
22:29
Speaker 1: It's not because they can't process it. It's because it
22:31
Speaker 1: costs that business so much to process that I.
22:33
Speaker 6: Would I can't imagine there would be a percentage twenty
22:36
Speaker 6: thirty percent of the Visa merchant fee that Visa gets
22:40
Speaker 6: that they'd be passing on to her.
22:42
Speaker 1: Which I think is kind of fair. Like it's quite transparent.
22:45
Speaker 1: It's like, well, if this doesn't work. You don't get
22:47
Speaker 1: paid if people aren't using the card.
22:48
Speaker 4: Additional cost to the consumer.
22:51
Speaker 1: Which is the main point here, Like you can have
22:53
Speaker 1: this card with their benefits, it's probably not going to
22:56
Speaker 1: cost you anymore than having a regular Imprint card. But
22:59
Speaker 1: I think the spicy part and why people have basically
23:02
Speaker 1: jumped down her throat so quickly, is her rocky past,
23:06
Speaker 1: like the fact that she hasn't been the most upfront
23:08
Speaker 1: when it comes to you know, business previously, Like she's
23:11
Speaker 1: obviously breached a couple of trademark things and gone about
23:14
Speaker 1: copyright infringement in a not so good way. And a
23:17
Speaker 1: lot of people are jumping up and down, and they're like, Ah,
23:19
Speaker 1: she's a scammer, she's not a good person. We shouldn't
23:21
Speaker 1: trust her with our financial information. But I think the
23:24
Speaker 1: important thing there, and I obviously haven't read their pds,
23:28
Speaker 1: but I would make a grand assumption that there's no
23:31
Speaker 1: way that she she's like the face of the card,
23:34
Speaker 1: she's like the model on the front. There's no way
23:37
Speaker 1: she would be given your financial information that would stay
23:40
Speaker 1: with Imprint and Visa, Like I really doubt that that
23:42
Speaker 1: would go further and be supplied unless it's some kind
23:46
Speaker 1: of like, oh, if they sign up, you get their
23:47
Speaker 1: email to add to their marketing list, which would be
23:50
Speaker 1: a really good way of you know, working out who
23:52
Speaker 1: to market to, et cetera.
23:54
Speaker 2: But I do think it's quite spicy.
23:56
Speaker 1: But it's definitely not as spicy as all of the
23:58
Speaker 1: headlines are telling it is.
24:00
Speaker 6: Yeah, I'm just looking at the Instagram ad like they've
24:03
Speaker 6: got a heap of brands promoted. I would imagine so,
24:07
Speaker 6: for example, if she brought somebody in her audience with
24:12
Speaker 6: that visa card or that prepaid card to a certain brand,
24:17
Speaker 6: they would probably be able to track that you use
24:20
Speaker 6: this payment method to buy this pair of shoes, for example,
24:24
Speaker 6: she may get a commission now and all that work right,
24:28
Speaker 6: So it's we're bringing people aka buying power to your brand.
24:34
Speaker 6: We want a benefit to bring those people. So and
24:37
Speaker 6: but you know, million followers, this is big business everyone like, make.
24:41
Speaker 2: No mistakes, not little.
24:42
Speaker 1: Even though she's getting all this backlash, it could be
24:45
Speaker 1: a really good thing for her. And in their press
24:47
Speaker 1: statement it actually says, to further your point, Glenn, we
24:51
Speaker 1: wore what customers benefit from POINTE best in class rewards
24:54
Speaker 1: by offering cardholders ten percent back when they shop with
24:57
Speaker 1: we wore what because she obviously has her own shop
25:00
Speaker 1: facility online. Then if it's a brand partner, they get
25:03
Speaker 1: five percent back and you'll get one percent back if
25:05
Speaker 1: it's everywhere else, So it's not unlike a shop back
25:08
Speaker 1: where they're getting it back. But I would be interested
25:11
Speaker 1: to see if above and beyond that merchant fee, if
25:14
Speaker 1: she's getting part of that, what type of partner benefit
25:17
Speaker 1: is she getting, Like are they splitting that referral fee
25:20
Speaker 1: because they're saying rewards are immediately available and it redeemed
25:23
Speaker 1: interchangeably across brand partners. Kind of cool, but that must
25:26
Speaker 1: mean that there's another facility over the top of that
25:29
Speaker 1: to track that reward system.
25:31
Speaker 4: Yeah, and this is it like convolution.
25:33
Speaker 6: She's not doing it for free, as nice as she is,
25:36
Speaker 6: and maybe she does offset some of this stuff by
25:38
Speaker 6: having the philanthropy. I can't say that word philanthropy.
25:42
Speaker 1: For someone who's such a philanthropist. I'm very surprised that
25:45
Speaker 1: you can't.
25:45
Speaker 4: I'm just a given particulate. Yeah, nice, but no one
25:50
Speaker 4: does anything out of the goodness of their heart like
25:53
Speaker 4: I do.
25:53
Speaker 6: A podcast it's free to listen to, Yes, it is
25:56
Speaker 6: out the goodness of my heart that I wouldn't be
25:58
Speaker 6: doing it for two long follls and getting paid.
26:00
Speaker 2: Yeah, because it's unsustainable.
26:01
Speaker 1: Like I started mine and I was like, you know what,
26:03
Speaker 1: this is going to be twelve episodes of quality content
26:06
Speaker 1: because I want to put it out there for the best.
26:09
Speaker 1: I don't have time or capacity because I need to, say,
26:12
Speaker 1: for a house, and I need to do all these
26:13
Speaker 1: other things. It's it's great that it's now commercialized, but yeah,
26:16
Speaker 1: it's not. I've got to pay yess, I've got to
26:18
Speaker 1: pay George, Like the only guys are changing.
26:21
Speaker 6: That's slippery slope with this, Is it encouraging people to
26:26
Speaker 6: spend more on stuff they technically wouldn't need otherwise.
26:31
Speaker 1: Because that's the whole No, I reckon that that's the
26:34
Speaker 1: slippery slope that they are going down, because you'd want
26:37
Speaker 1: to be buying things online.
26:38
Speaker 2: But if you already frequent those places and it's your.
26:40
Speaker 1: Own money, I'm kind of like, well, maybe I don't
26:43
Speaker 1: even know if there's.
26:44
Speaker 4: A sign up.
26:44
Speaker 6: I don't know anything about this influencer until I walked
26:48
Speaker 6: in here ten minutes ago. But I think probably looking
26:51
Speaker 6: at it more, it probably is more of a buying
26:54
Speaker 6: power play like the shot back and the cash rewards
26:57
Speaker 6: vibe as opposed to the visa merchants split, but we
27:00
Speaker 6: just don't know.
27:01
Speaker 1: It does inspire me though, to look into ways where
27:04
Speaker 1: could get a shees on the money card to inspire
27:06
Speaker 1: people to be smarter with their money.
27:09
Speaker 2: How cool would that be?
27:10
Speaker 1: You're like at the checkout and you see someone without
27:13
Speaker 1: a peachy little card. It it be like twenty ten
27:15
Speaker 1: and everyone's like, oh my god, are you with IRONNG
27:19
Speaker 1: used to see people with their little stickers that would
27:21
Speaker 1: say splurge or spend.
27:23
Speaker 5: Yeah, all those people who get those covers for their
27:26
Speaker 5: cards with Terry CRUs on it.
27:27
Speaker 2: Oh my god, spend money.
27:29
Speaker 5: But I think ultimately it's going to be in how
27:31
Speaker 5: this card is marketed, because you know, she could just
27:34
Speaker 5: say here's the thing. If you shop online and you
27:36
Speaker 5: want to access some extra awards, it's an option that's
27:39
Speaker 5: availed to you. Or it could fall into that area
27:41
Speaker 5: of the more you know, misleading pushy marketing where they're saying,
27:45
Speaker 5: oh my god, got no money but want to do
27:47
Speaker 5: x y zed or thinking about doing this and spend spend, spend,
27:50
Speaker 5: and it's that I think it's going to be how
27:53
Speaker 5: they encourage people to be a green card rather than
27:56
Speaker 5: the product itself, which is so often where we see
27:58
Speaker 5: businesses being problematic. The item itself after pay is not
28:01
Speaker 5: a problematic product, but the way that they market it.
28:04
Speaker 1: But it's a slippery slope, like what is next for them?
28:07
Speaker 1: Like say this is wildly successful, do they go into
28:10
Speaker 1: buy now, pay later? How does that work? I think
28:13
Speaker 1: for me, I'm not too concerned because it is basically
28:15
Speaker 1: a debit card. It's not anything more than that, a
28:18
Speaker 1: debit card with some rewards. Yes, at the end of
28:20
Speaker 1: the day, you're probably being promoted to spend more because
28:23
Speaker 1: you want more rewards, and I'd be really wary of that.
28:27
Speaker 1: But it's also not available in Australia. So glad we
28:29
Speaker 1: spent so much time on this space content. All right,
28:33
Speaker 1: So I think we have a few minutes left to
28:35
Speaker 1: answer some listener questions.
28:37
Speaker 2: Are you guys ready, let's do it.
28:40
Speaker 3: I use on the money team. I just need some
28:41
Speaker 3: advice about work expenses. So with my job, I get
28:45
Speaker 3: to have my work card which is under the business,
28:48
Speaker 3: but I don't have a fuel card or an f poscard.
28:52
Speaker 3: So with that, unfortunately, I have to pay for quite
28:54
Speaker 3: a few things under my personal finances. I do get
28:58
Speaker 3: this paid back once I do all the paperwork, but
29:02
Speaker 3: the next day I have to pay that all again.
29:06
Speaker 3: As you know, I have to pay for fuel, I
29:08
Speaker 3: have to pay for clients, etc. So I have asked
29:12
Speaker 3: my boss for an f post card and he fled
29:14
Speaker 3: out refuses and says no, as he says it's a liability.
29:20
Speaker 3: I just need to ask if this is ethical or
29:23
Speaker 3: if there's other ways that I can convince him to
29:26
Speaker 3: get an f POS card thank you.
29:29
Speaker 1: I used to do this with one of my old
29:31
Speaker 1: jobs because corporate cards were only reserved for the senior consultants,
29:36
Speaker 1: and so whenever I traveled to Sydney for work, I
29:39
Speaker 1: would have to put the deposit on my card personally
29:42
Speaker 1: to check into the hotel, which is in a way.
29:46
Speaker 1: I could understand why it was all about risk that
29:48
Speaker 1: the business was carrying, But as a twenty something year
29:52
Speaker 1: old who didn't have all that much cash, that.
29:54
Speaker 2: Was a lot to foot.
29:56
Speaker 1: And a lot of financial responsibility that I didn't think
29:58
Speaker 1: I should have taken on. So that really used to
30:01
Speaker 1: frustrate me. But we've got Glenn James here, so why
30:04
Speaker 1: are we listening to me, Glenn, speak now or forever
30:07
Speaker 1: hold your peg.
30:08
Speaker 6: It's just ridiculous. Tell them to get stuffed. I mean,
30:11
Speaker 6: if you're employing someone and they're out in a role
30:14
Speaker 6: that requires expenses, you need to furnish a card. Like
30:17
Speaker 6: it's just actually ridiculous that you should cash flow someone
30:20
Speaker 6: else's business and then be reimbursted.
30:23
Speaker 1: That's the summary of it. You shouldn't have to cash
30:25
Speaker 1: flow somebody else's business.
30:26
Speaker 6: Right, my team JP and my team she's the one
30:29
Speaker 6: who does most of the traveling.
30:31
Speaker 4: We've got a card.
30:32
Speaker 6: In terms of the liability, we started with a prepaid
30:36
Speaker 6: post Office card and I just said, yep, I'll put
30:39
Speaker 6: a thousand dollars on it. When it gets low, let
30:41
Speaker 6: me know, I'll transfer over. I don't expect any of
30:43
Speaker 6: my staff to cash flow my business.
30:46
Speaker 1: No, because you don't know what their financial situation is
30:49
Speaker 1: and it's not their responsibility at the end of the day.
30:52
Speaker 1: That's a really good idea, Glenn, I really like the
30:55
Speaker 1: post Office idea.
30:56
Speaker 2: But then you can also always get like a credit.
30:59
Speaker 1: Card that has a five hundred dollars limit, Like it
31:02
Speaker 1: doesn't have to be massive. But as a business you're
31:04
Speaker 1: incurring this cost anyway, and if you get a business
31:07
Speaker 1: credit card, you could be racking up some sweet sweet
31:09
Speaker 1: points by owning that as well.
31:10
Speaker 5: Because it also puts the user at a disadvantage. Let's
31:13
Speaker 5: say she's spending she's saying for fuel primarily. Let's say
31:16
Speaker 5: he's spending two hundred bucks a week on fuel, which.
31:18
Speaker 2: Would would be very expensive at the moment.
31:20
Speaker 5: I was going to say, it's being conservative given current
31:22
Speaker 5: petrol prices. That's what let's call it. Eight hundred dollars
31:25
Speaker 5: a month. If your business or if the business that
31:28
Speaker 5: employees her is reconciling their accounts monthly, which most businesses do,
31:33
Speaker 5: and she's spent eight hundred dollars out of her pocket,
31:35
Speaker 5: that's eight hundred dollars that she's not occurring interest on
31:38
Speaker 5: for the duration of that month. So if he's insisting
31:41
Speaker 5: on you bankrolling it, I would be raising that and saying, hey,
31:44
Speaker 5: like I'm actually missing out on interest. You need to
31:46
Speaker 5: pay me a percentage on top of what I'm spending.
31:49
Speaker 1: Oh, I wouldn't even go that far. I'd just say
31:51
Speaker 1: it's not my job to bankroll your business. I'd be
31:54
Speaker 1: pretty blunt about that one in saying that it's a
31:56
Speaker 1: really hard situation to navigate. I would assume if you're
32:00
Speaker 1: saying to your boss directly, like, oh, hey, I asked
32:03
Speaker 1: Glenn for a bank card and he didn't let me.
32:06
Speaker 1: That's I'm making grand assumptions here. I'm assuming it's a
32:09
Speaker 1: small business. I'm assuming he hasn't thought too much about it,
32:11
Speaker 1: because there's no way a bigger corporate would do that anymore.
32:14
Speaker 1: Like I'm talking about when I was working in like
32:17
Speaker 1: twenty eleven, twenty twelve. We're not, you know, not twenty
32:20
Speaker 1: twenty two. I feel like that's really outdated to go, oh,
32:23
Speaker 1: we'll reimburse you for your expenses. Like I think it's
32:26
Speaker 1: reasonable to be reimbursed for your expenses if you're like,
32:30
Speaker 1: oh my gosh, I incurred this one parking thing this week.
32:33
Speaker 1: It was twenty two bucks, and you submit your ticket
32:35
Speaker 1: and you get your money back. Not if it's a
32:38
Speaker 1: consistent expectation like I went to training in the city,
32:42
Speaker 1: so I had to park, and I did this, and
32:43
Speaker 1: I did that. Like, that's reasonable reimbursement. But if it's
32:47
Speaker 1: a consistent part.
32:48
Speaker 4: Of all the time, get stuffed. Basically, I'll call.
32:52
Speaker 2: Him, Yeah, let me know. Let me.
32:54
Speaker 7: Know, So, if it is a small business and maybe
32:58
Speaker 7: you're like worried about your position within that business, if
33:01
Speaker 7: it's really tight and tiny, how do you bring it up,
33:04
Speaker 7: like if there's no HR department, if you're someone that's
33:06
Speaker 7: nervous and hates confrontation, like, it's all well and good
33:10
Speaker 7: to say, oh, stuff you like, but how do you
33:13
Speaker 7: actually have that conversation?
33:14
Speaker 2: You know what I mean?
33:15
Speaker 1: Nah, that's a really good question because twenty ten Victoria
33:19
Speaker 1: definitely wouldn't have just been like, oh, stuff you. In fact,
33:22
Speaker 1: twenty ten Victoria was, you know, just still reimbursing, still
33:26
Speaker 1: putting my receipts in ste putting them in a little
33:29
Speaker 1: folder in my handbag and taking them to work and
33:32
Speaker 1: scanning them in and going, oh, I don't really want
33:34
Speaker 1: to mention it because it makes me feel uncomfortable. And
33:36
Speaker 1: I also didn't want people to think I didn't have
33:38
Speaker 1: enough money to be able to do that because I
33:39
Speaker 1: was being judged and all the senior consultants were really rich,
33:42
Speaker 1: like it wasn't. Yeah, I totally get that, And I
33:45
Speaker 1: think that's about bringing up like, hey, it's actually putting
33:48
Speaker 1: a lot of financial stress on me at the moment.
33:50
Speaker 1: And I looked into it, and I think best practice
33:52
Speaker 1: is either this getting a debit card or suggesting something
33:56
Speaker 1: ulterior like Glenn was saying a prepaid visa card that
33:59
Speaker 1: you just get office Like, I'm not asking you to
34:01
Speaker 1: open a bank account for me. I just want you
34:04
Speaker 1: to give me access to company funds so I can
34:08
Speaker 1: spend company funds on things that you're telling me I
34:10
Speaker 1: need to. It's not my responsibility, I think turning around
34:14
Speaker 1: and just going, oh, hey, I've had a really good
34:16
Speaker 1: think about this. I'm under a little bit of stress
34:18
Speaker 1: at the moment because of this, Like I'm trying to
34:20
Speaker 1: save for a house and it's you know, I'm honestly,
34:23
Speaker 1: with the cost of fuel at the moment, I just
34:25
Speaker 1: don't feel like I can afford to fund this. And
34:28
Speaker 1: maybe give a couple of really good suggestions like what
34:31
Speaker 1: Glenn came up with, and I think that could be
34:32
Speaker 1: a really good starting point. But if your boss isn't
34:36
Speaker 1: respecting you either, I think there's a deeper conversation to
34:39
Speaker 1: be had, Like if your boss is genuinely not caring
34:43
Speaker 1: about your financial situation and not caring about the way
34:46
Speaker 1: that they treat you in their business, I would be
34:48
Speaker 1: really questioning why you still work there.
34:50
Speaker 5: Yeah, I fully agree. I mean I understand it's a
34:52
Speaker 5: small business. It's hard to take on you know, those things,
34:55
Speaker 5: but ultimately you're going to have to pay for anyone
34:56
Speaker 5: and it's not fair to expect an employee to bank
34:59
Speaker 5: all your business.
35:00
Speaker 1: I would really want to ask them, like, why do
35:02
Speaker 1: you think that's acceptable? Like, I get it, if you
35:04
Speaker 1: just hadn't put more thought into it, it's like, oh, Jess,
35:06
Speaker 1: I'll pay you.
35:07
Speaker 2: Back though, Like, yeah, like it's not swearing.
35:09
Speaker 1: Yeah, I don't think that it's malicious from the start,
35:11
Speaker 1: but I think once you give the mood of context
35:13
Speaker 1: and let them know that you're not comfortable with it,
35:15
Speaker 1: it's your employer's job to make sure that you're in
35:17
Speaker 1: the best possible position in that aspect. But guys, I
35:20
Speaker 1: think that is as always, all we have time for today.
35:23
Speaker 1: You've got some spicy non credit card content. We talked
35:26
Speaker 1: about everything we usually talk about, and we discussed how
35:29
Speaker 1: to push back on your employer when they make you
35:32
Speaker 1: pay for stuff you shouldn't have to pay for.
35:33
Speaker 2: Cover all basis. What a good episode, Glenn, Thanks for
35:36
Speaker 2: joining us.
35:37
Speaker 4: Thanks guys, really appreciate you.
35:38
Speaker 5: I was going to say, can we make Glenn read
35:40
Speaker 5: the FSL with all the guess.
35:42
Speaker 2: Yes, of course we can. So, guys, we are done
35:45
Speaker 2: for the day.
35:46
Speaker 1: But as always, let's listen to our very exciting disclaimer
35:50
Speaker 1: before I do this.
35:51
Speaker 6: Georgia, you're really good at reading and when you read stuff,
35:55
Speaker 6: because I'm not good at reading, as you're hear. Anyway,
36:01
Speaker 6: the advice shed on She's on the Money is generally
36:04
Speaker 6: nature and does not consider your individual circumstances. She's on
36:07
Speaker 6: the Money exists purely for educational purposes and should not
36:11
Speaker 6: be relied upon to make investment or financial decisions. Victoria
36:15
Speaker 6: Divine is an authorized representative of Infocused Securities Australia Proprietary
36:20
Speaker 6: Limited ABN four seven zero nine seven seven nine seven
36:25
Speaker 6: zero four nine AFSL two three six five two three.
36:30
Speaker 1: You are officially fired from reading the disclaimer GJL CUI