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MONEY DIARIES: The Spending & Saving Swing · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr
• 0:04
  Speaker 1: the Order, Kerney Whalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
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  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money, She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 4: for millennials who want financial freedom. Welcome back to another
• 1:04
  Speaker 4: one of our money diaries where I get the absolute
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  Speaker 4: privilege of talking to one of our incredible She's on
• 1:09
  Speaker 4: the Money community members all about their journey. Let's jump
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  Speaker 4: straight into it, because this week I got a message
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  Speaker 4: and it sounded like this.
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  Speaker 1: Hi V.
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  Speaker 2: I'm twenty five and spending is.
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  Speaker 4: My crack due to a secret affair. My parents suddenly
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  Speaker 4: separated when I was six. Mum has always been a saver.
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  Speaker 4: Dad total opposite and relies on loans No matter the paycheck,
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  Speaker 4: my spending and savings go through extremes. After being misdiagnosed
• 1:37
  Speaker 4: with anxiety and depression in twenty eighteen, my mental and
• 1:40
  Speaker 4: financial wellbeing was taking a beating. Late twenty twenty two,
• 1:44
  Speaker 4: at twenty five years old, I was diagnosed with ADHD.
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  Speaker 4: This was an incredibly expensive, but relieving experience, as the
• 1:52
  Speaker 4: world and my financial behaviors made sense. Now I've paid
• 1:56
  Speaker 4: off twenty five thousand dollars worth of consumer debt, but
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  Speaker 4: I'm right at the beginning of my journey to financial freedom.
• 2:03
  Speaker 4: I have no savings and dopamine hits are steal my crack.
• 2:06
  Speaker 4: But I'm learning every day thanks to Sheese on the
• 2:08
  Speaker 4: Money Are money Diarist? Are we two peas in a pod?
• 2:12
  Speaker 5: I think so, Oh my gosh.
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  Speaker 4: I feel like this is so relatable being misdiagnosed with
• 2:17
  Speaker 4: anxiety and depression When you actually have ADHD, I feel
• 2:20
  Speaker 4: like it's so common. And while I still do have
• 2:24
  Speaker 4: anxiety and depression and I am medicated for both of
• 2:26
  Speaker 4: those things, I feel like so many times people just
• 2:29
  Speaker 4: whipped my ADHD off the table because they were like, baby,
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  Speaker 4: it's just depression. It's just anxiety. It absolutely is not
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  Speaker 4: so money diarist. I'm really excited to learn a bit
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  Speaker 4: more about this, But as always, I ask this question
• 2:42
  Speaker 4: at the start so that we can get.
• 2:44
  Speaker 2: A little bit of frame of reference.
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  Speaker 4: If I asked you to give your money habits a grade,
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  Speaker 4: what would you grade them? On a scale of A
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  Speaker 4: through F.
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  Speaker 3: So about two years ago I would have given myself
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  Speaker 3: a B M, and then up until about six weeks ago,
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  Speaker 3: I would have given myself AD And I think now
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  Speaker 3: i'm tracking back at a bee minus.
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  Speaker 2: Oh, a bee minus. That's a glow up in six weeks. Yes,
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  Speaker 2: I'm excited to hear more about that. Let's ask my
• 3:13
  Speaker 2: favorite question ever, can you please tell me a little
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  Speaker 2: bit more about your money story. I feel like this
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  Speaker 2: one's a little bit spicy, especially with how you wrote
• 3:20
  Speaker 2: in Yeah.
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  Speaker 3: So, like I said, Mum really good with money, always
• 3:26
  Speaker 3: made sure the bills were paid.
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  Speaker 5: Dad very impulsive, quite similar to me.
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  Speaker 3: But it wasn't really something that was spoken about at all. Really,
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  Speaker 3: I had no idea about our situation. I only knew
• 3:37
  Speaker 3: that we were having home brand family pies for dinner,
• 3:41
  Speaker 3: mushy peas, that kind of thing. Saying that though I
• 3:44
  Speaker 3: didn't go without completely, I was really fortunate to be
• 3:47
  Speaker 3: really close with my grandparents because my parents were quite
• 3:49
  Speaker 3: young when they had me, so I did get to
• 3:52
  Speaker 3: go to England with them when I.
• 3:54
  Speaker 5: Was younger, and they kind of spoiled me a little bit.
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  Speaker 3: But I've started to come to terms with ADHD playing
• 4:02
  Speaker 3: a big role in my money story, and it's kind
• 4:07
  Speaker 3: of all or nothing mentality with everything, not just money.
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  Speaker 3: But I'm getting better with it now. I'm still working
• 4:15
  Speaker 3: it out. It's still a day by day thing. I
• 4:18
  Speaker 3: went to a private school which was funded by my
• 4:21
  Speaker 3: mum's work because she works in the government, which was
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  Speaker 3: really good, and I wasn't allowed to work during school,
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  Speaker 3: so I had no basis of how to save money
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  Speaker 3: or how to even work or interact with people. After school,
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  Speaker 3: I went straight into work. I didn't have any time off,
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  Speaker 3: and I just started working at a local retailer that
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  Speaker 3: I didn't like it, it was just that got me through.
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  Speaker 3: Got my first paycheck, spent it all because that was
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  Speaker 3: the first bit of money I'd ever kind of received,
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  Speaker 3: and it just kept going, so kept earning, kept spending.
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  Speaker 3: I was lucky enough to be able to live at home,
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  Speaker 3: so I didn't have rent. But it got to the
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  Speaker 3: point where I started to need to pay for things, and.
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  Speaker 5: That's when it got a.
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  Speaker 3: Little slippery, and I started to rely a little bit
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  Speaker 3: old credit cards and getting alone. I never was taught
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  Speaker 3: to save or had any type of knowledge on what
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  Speaker 3: to do when you get a paycheck, so it was, yeah,
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  Speaker 3: a slippery slope.
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  Speaker 5: Got into a lot of debt.
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  Speaker 3: Working in the field that I do in dental, I
• 5:39
  Speaker 3: wanted to have straight teeth.
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  Speaker 5: That was a very expensive escapade.
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  Speaker 2: I can absolutely relate to that. I did not realize
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  Speaker 2: how expensive it would be to straighten my teeth.
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  Speaker 3: And that was with a discount as well for my
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  Speaker 3: line of work, so that was quite expensive. I had
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  Speaker 3: to buy my first car, so all those things, I
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  Speaker 3: just thought, oh, need a loan, need to.
• 6:02
  Speaker 5: Get a payment plan, and I thought that was okay.
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  Speaker 5: So yeah, that's kind of where that went.
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  Speaker 2: To, Oh my gosh. So it just all added up
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  Speaker 2: and added up.
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  Speaker 4: Do you think that you got I guess that mentality
• 6:15
  Speaker 4: from your dad because he was very much a I
• 6:18
  Speaker 4: rely on credit So when you first got your credit card,
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  Speaker 4: it didn't scare you or worry you in any way,
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  Speaker 4: shape or form.
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  Speaker 5: No, it terrified me.
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  Speaker 3: I didn't like the idea of getting a credit card
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  Speaker 3: or getting loans or anything, but I didn't know any
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  Speaker 3: other way. So yeah, my grandparents. My mom was always
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  Speaker 3: don't get a credit card, don't get a credit card.
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  Speaker 3: But my dad, without meaning to, kind of opened that door.
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  Speaker 2: That makes absolute sense.
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  Speaker 4: I feel like sometimes when you just don't have enough,
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  Speaker 4: feel like I'm terrified of this situation, but I also
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  Speaker 4: can't see another option on the table for me at
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  Speaker 4: the moment. How did it ultimately spiral from you just
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  Speaker 4: getting a credit card to get by to be twenty
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  Speaker 4: five thousand dollars of debt.
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  Speaker 5: I don't know, honestly. I think it's just your living life.
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  Speaker 3: And I kept having that Yoloe mentality of I only
• 7:10
  Speaker 3: live once. I just need to do whatever I can.
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  Speaker 3: I didn't do any major travel, I didn't do anything crazy,
• 7:18
  Speaker 3: but I wanted to be young and afford going out
• 7:21
  Speaker 3: to dinners. And I was always comparing my situation with
• 7:25
  Speaker 3: people around me who could afford to do that because
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  Speaker 3: they had jobs in school, they had parents who could
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  Speaker 3: afford it. So I just wanted to keep up with
• 7:33
  Speaker 3: the Joneses, and I secretly knew that I couldn't do
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  Speaker 3: it without those things.
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  Speaker 2: Yeah, I totally relate to that.
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  Speaker 4: I feel like it's such a I want to say
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  Speaker 4: slippery slope, but it's not. It's like a hill because
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  Speaker 4: you know what you're doing each and every single time,
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  Speaker 4: But each and every single time you tell yourself like, oh,
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  Speaker 4: I won't rely on it next time, like I'll just
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  Speaker 4: sort it out this time, and then it just it
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  Speaker 4: feels like it gets.
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  Speaker 2: Away from you.
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  Speaker 5: Right, Yeah, exactly.
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  Speaker 4: So you said before, now you're out of debt, twenty
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  Speaker 4: five thousand dollars would have been super overwhelming. How did
• 8:04
  Speaker 4: you get out of twenty five thousand dollars worth of debt?
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  Speaker 5: I didn't have twenty five thousand dollars.
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  Speaker 3: Always, it was kind of putting myself in debt getting
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  Speaker 3: out of it, putting myself back in worse debt getting
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  Speaker 3: out of it.
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  Speaker 5: It was a back and forth situation, a cycle. Yeah,
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  Speaker 5: it was a cycle, and.
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  Speaker 3: I couldn't break it, and I'm happy to say I've
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  Speaker 3: finally broken it.
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  Speaker 4: What's the secret? How do we break it? There are
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  Speaker 4: lots of people who are struggling with this, and to
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  Speaker 4: be honest, I feel like I.
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  Speaker 2: Still struggle being a little bit spendy.
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  Speaker 3: There's no secret and I haven't worked it out, so
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  Speaker 3: if you work it out, so helpful.
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  Speaker 4: Thank you for coming on the show. Nice having your
• 8:41
  Speaker 4: money diressed so so great. I want to know so
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  Speaker 4: much more about this, so I need to know. Now,
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  Speaker 4: what do you do for work? How much money do
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  Speaker 4: you earn?
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  Speaker 5: So I have these written down.
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  Speaker 3: I'm a clinical manager for a dental practice, which is
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  Speaker 3: about sixty six thousand, two hundred a year including super
• 9:01
  Speaker 3: and then I also have a second job, which is
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  Speaker 3: a food and beverage attendant, and I get anywhere from
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  Speaker 3: eighty dollars a week to about three hundred, So it
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  Speaker 3: kind of just depends on how many hours I'm getting
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  Speaker 3: and if I can mentally keep up with it.
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  Speaker 4: When you said food and beverage attendant, that reminded me
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  Speaker 4: of when I was at UNI and I used to
• 9:22
  Speaker 4: do like casual work for events and stuff. Is that
• 9:25
  Speaker 4: similar or is this like in a restaurant or what
• 9:27
  Speaker 4: does that look like in a.
• 9:29
  Speaker 3: Bar and restaurant? But same award rate, I think with
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  Speaker 3: doing events and.
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  Speaker 2: Stuff, Yeah, how good?
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  Speaker 4: And that just is flexible depending on how much staffing
• 9:39
  Speaker 4: they need or like the events and stuff that are
• 9:41
  Speaker 4: going on there or what does that look like?
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  Speaker 3: Yeah, so sometimes I'm really motivated and I want to
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  Speaker 3: earn heaps of money.
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  Speaker 2: Other times you're like, I do not want to have
• 9:52
  Speaker 2: a second job right now.
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  Speaker 3: This week is hectic, yes, exactly, and I want to
• 9:56
  Speaker 3: pick up heaps of shifts. So I work and then
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  Speaker 3: I burn myself out, and then the next week I
• 10:00
  Speaker 3: don't want to work at all. So it's just I'm
• 10:03
  Speaker 3: still trying to find that happy medium of how many
• 10:05
  Speaker 3: shifts is enough for me?
• 10:08
  Speaker 2: Yeah? Absolutely? So what does that mean?
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  Speaker 4: You're taking home each week on average between the two
• 10:14
  Speaker 4: into your bank account.
• 10:16
  Speaker 5: So I get paid fortnightly.
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  Speaker 3: So fortnightly is two thousand and thirty bucks from my
• 10:25
  Speaker 3: dental job and then around two hundred a week for
• 10:33
  Speaker 3: my bar job.
• 10:34
  Speaker 4: That's not too bad. So talk to me a little
• 10:37
  Speaker 4: bit more about your money goals. You've got this two
• 10:40
  Speaker 4: thousand and thirty dollars plus maybe two hundred dollars a
• 10:43
  Speaker 4: week is coming in each and every single fortnight.
• 10:46
  Speaker 2: What are we working towards?
• 10:47
  Speaker 4: You got out of debt, you setting your letter in
• 10:50
  Speaker 4: that You're now I guess beginning your journey to financial freedom,
• 10:53
  Speaker 4: which I think is so exciting, But what does that
• 10:56
  Speaker 4: look like? What are the big money goals that we
• 10:58
  Speaker 4: have on the table.
• 10:59
  Speaker 3: So I want the white picket fence Australian dream house, yes,
• 11:05
  Speaker 3: but there's also a few things in between that that
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  Speaker 3: I really like.
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  Speaker 5: To do for myself.
• 11:09
  Speaker 3: I have two holidays coming up, one in August for
• 11:13
  Speaker 3: a country concert, which I'm so excited about.
• 11:16
  Speaker 2: How cool I know, I.
• 11:17
  Speaker 3: Know, and a wedding next year for one of our
• 11:20
  Speaker 3: best mates. So they're two of the short term money goals.
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  Speaker 3: And then next year I am hoping to get a
• 11:28
  Speaker 3: breast reduction, So that's kind of a really big goal
• 11:34
  Speaker 3: that I'm working towards that I'm hoping will be a
• 11:37
  Speaker 3: next year thing.
• 11:38
  Speaker 4: And is that something that you're working with a doctor
• 11:40
  Speaker 4: to make sure that it kind of goes through Medicare
• 11:43
  Speaker 4: and you actually get it as cheap as possible or
• 11:45
  Speaker 4: is that something clear You're going, all right, well, my
• 11:48
  Speaker 4: back isn't breaking me. This is cosmetic because there are
• 11:50
  Speaker 4: obviously two very different streams you could go down when
• 11:53
  Speaker 4: it comes to a breast reduction.
• 11:56
  Speaker 3: No, I definitely went down the doctor referral path to
• 11:59
  Speaker 3: get it because it's medically necessary, so a lot of
• 12:02
  Speaker 3: it will be covered under Medicare, which.
• 12:04
  Speaker 2: Is fabulous an absolute money when yes, but that means
• 12:08
  Speaker 2: that you're probably on long waitlists. So what does that
• 12:10
  Speaker 2: look like do you think?
• 12:12
  Speaker 5: I don't think it's too long a waitlist.
• 12:15
  Speaker 3: I live in the top end, so we're pretty lucky
• 12:18
  Speaker 3: with that sort of thing. We don't have the best choice,
• 12:21
  Speaker 3: but the waiting list isn't too bad.
• 12:23
  Speaker 2: How much do you think that you'll be out of
• 12:25
  Speaker 2: pocket for that?
• 12:27
  Speaker 3: I have to pay about eight to ten grand upfront,
• 12:30
  Speaker 3: and then we do the surgery and then I will
• 12:33
  Speaker 3: get a lot of it back, potentially about two grand
• 12:37
  Speaker 3: out of pocket after all this, But I still have
• 12:39
  Speaker 3: to have the money there beforehand, yeah.
• 12:42
  Speaker 2: To fund it.
• 12:43
  Speaker 4: So what will it look like when it comes to
• 12:45
  Speaker 4: like work? Are you having to take annually or sick
• 12:48
  Speaker 4: leave or have you looked at that yet?
• 12:50
  Speaker 5: Haven't looked at that yet? I probably could take some.
• 12:53
  Speaker 4: Sickly, well, it's medically necessary. That is absolutely sickly. If
• 12:57
  Speaker 4: my friend.
• 12:58
  Speaker 3: Sweet yep, they can call me. I won't be out
• 13:02
  Speaker 3: of action for too long. I spoke to my doctor
• 13:05
  Speaker 3: and he said maybe two weeks, but a lot of
• 13:08
  Speaker 3: my job for my main dental job is sedatory, so
• 13:11
  Speaker 3: I'm not assisting anymore as I'm the manager, so I
• 13:14
  Speaker 3: don't do that side of things too much.
• 13:16
  Speaker 2: Yeah, that's cool. It's good to know.
• 13:18
  Speaker 4: And I feel like so many times when those surgeries
• 13:21
  Speaker 4: come up, people only look at the final cost of
• 13:24
  Speaker 4: the actual surgery and not like your time out of
• 13:26
  Speaker 4: work or the time it's going to take to you know,
• 13:29
  Speaker 4: get back into work. Or this one which one of
• 13:32
  Speaker 4: my friends had recently when she had a breast reduction,
• 13:35
  Speaker 4: the amount of money that she had to spend on
• 13:38
  Speaker 4: the hairdresser to get her hair washed because she didn't
• 13:42
  Speaker 4: realize that she wouldn't be able to or she wouldn't
• 13:45
  Speaker 4: be comfortable to lift her arms above her head to
• 13:48
  Speaker 4: wash her hair. So maybe that's something you could factor in,
• 13:51
  Speaker 4: or just get a really good friend and a kitchen
• 13:53
  Speaker 4: sink involved.
• 13:54
  Speaker 2: And I feel like you'd say the whole.
• 13:55
  Speaker 5: Hep the best bellie if my partner will be washing
• 13:57
  Speaker 5: my hair.
• 13:58
  Speaker 4: Yeah, turn out of ten. I love that commitment. All right,
• 14:01
  Speaker 4: let's go to a really quick break because after I
• 14:03
  Speaker 4: want to talk about investments and a little bit more
• 14:05
  Speaker 4: about debt, and also you cannot start a letter to
• 14:09
  Speaker 4: me that says due to a secret affair and then.
• 14:12
  Speaker 2: Not give me any more details. So we will be back.
• 14:15
  Speaker 4: On the flip.
• 14:16
  Speaker 2: Side money diarrest.
• 14:22
  Speaker 4: We are back, and this is not an official money
• 14:24
  Speaker 4: diary question. But as I said before the break, you
• 14:27
  Speaker 4: can't write me a letter that says, hey, v due
• 14:30
  Speaker 4: to a secret affair. What's the goss like, how did
• 14:34
  Speaker 4: that come to I guess fruition and come out? And
• 14:37
  Speaker 4: how did you find out about it if you were
• 14:39
  Speaker 4: only six?
• 14:40
  Speaker 3: Well, I didn't find out about it until only a
• 14:43
  Speaker 3: couple of years ago.
• 14:44
  Speaker 2: Really secret.
• 14:45
  Speaker 3: Yeah, everyone bounced across and ask your mom musk a
• 14:48
  Speaker 3: dad asked this person all that person?
• 14:50
  Speaker 2: Oh my gosh.
• 14:51
  Speaker 5: Yeah.
• 14:51
  Speaker 3: So I kind of woke up one morning and my
• 14:54
  Speaker 3: dad wasn't there. My mom came in and said, hey,
• 14:57
  Speaker 3: Dad's just going away, and that's all I remember.
• 15:00
  Speaker 5: Honestly, I was six. I don't remember too much.
• 15:02
  Speaker 2: I'm just like, all right, see soon, dad.
• 15:04
  Speaker 3: Yeah, And I still saw my dad every weekend. Still
• 15:07
  Speaker 3: have a really good relationship with both of them. It
• 15:10
  Speaker 3: was just a really strange time when I was younger.
• 15:12
  Speaker 3: But they tried to make sure initially that it wasn't
• 15:16
  Speaker 3: too complicated and too involved for me, so that was
• 15:22
  Speaker 3: good on their behalf. But I think it's still something
• 15:26
  Speaker 3: that's underlying that I probably have to work through a
• 15:29
  Speaker 3: little bit sometimes.
• 15:30
  Speaker 4: I was about to say, I'm really impressed that through that, because,
• 15:35
  Speaker 4: like you best believe if my partner does that to me,
• 15:37
  Speaker 4: straight under the bus, straight under the bus, and I'll
• 15:40
  Speaker 4: be driving. But I feel like that's such a mature
• 15:43
  Speaker 4: way to deal with it, because obviously kids aren't emotionally
• 15:46
  Speaker 4: mature enough to be able to comprehend something like that.
• 15:50
  Speaker 4: I was going to say, Oh, it's really good that
• 15:51
  Speaker 4: you kind of missed that younger trauma.
• 15:55
  Speaker 2: But it's something that I think when.
• 15:56
  Speaker 4: You learn something like that about parents in particular, it
• 16:01
  Speaker 4: does end up impacting you. So do you think this
• 16:03
  Speaker 4: in any way impacts your money story or how you
• 16:07
  Speaker 4: approach money, or even how your parents approached money while
• 16:11
  Speaker 4: you were growing up.
• 16:12
  Speaker 3: I think it had a bit of an impact on
• 16:15
  Speaker 3: my mom making sure she had savings or something to
• 16:20
  Speaker 3: back her. She was always really good with money, so
• 16:23
  Speaker 3: she kind of did anyways. But I think it just
• 16:25
  Speaker 3: reinforced that people aren't always together forever. Things happen and
• 16:30
  Speaker 3: you need to have something there to save you so
• 16:33
  Speaker 3: you're not stuck or in a situation you don't want
• 16:35
  Speaker 3: to be.
• 16:36
  Speaker 5: Yeah.
• 16:36
  Speaker 4: No, I totally agree with that. I always find it
• 16:38
  Speaker 4: so interesting because that could have been, I guess, a
• 16:42
  Speaker 4: pivot point of your childhood. It could have been something
• 16:45
  Speaker 4: that really was like the sticking point of I guess trauma.
• 16:49
  Speaker 4: But the way they dealt with it, I don't know.
• 16:51
  Speaker 4: I find that really mature of them, because, as I said,
• 16:54
  Speaker 4: i'd be driving the bus.
• 16:56
  Speaker 2: I don't know. I would hope that I had the
• 16:58
  Speaker 2: same maturity. I want to know.
• 17:01
  Speaker 4: Next, though, talk to me about investments. You said that
• 17:04
  Speaker 4: you were at the beginning of your journey to financial freedom.
• 17:06
  Speaker 4: Do you have any investments? If so, what are they,
• 17:09
  Speaker 4: If not, what do you want them to be?
• 17:11
  Speaker 3: So I just have the super and I've been making
• 17:15
  Speaker 3: some extra contributions to that for now, just because I'm
• 17:20
  Speaker 3: not too confident with the investing world yet and I'd
• 17:23
  Speaker 3: rather have more savings to lean back on, just in
• 17:27
  Speaker 3: case for an emergency fund. But I just checked before
• 17:29
  Speaker 3: this and I'm sitting at thirty eighty six hundred in
• 17:32
  Speaker 3: my super.
• 17:33
  Speaker 4: Oh my gosh, that is so good for your age.
• 17:35
  Speaker 4: You are twenty five years old and have thirty eight
• 17:37
  Speaker 4: k in super really? Yes, that's massive, my friend. That
• 17:42
  Speaker 4: is so good. Talk to me about your super fund.
• 17:45
  Speaker 4: Did you pick your super fund? Have you ever changed it?
• 17:48
  Speaker 4: What does that look like?
• 17:49
  Speaker 3: I was with one that my first job created for
• 17:53
  Speaker 3: me and my employer who I have now at the
• 17:56
  Speaker 3: dental practice.
• 17:57
  Speaker 5: We're super close. I've been here for for six years
• 18:01
  Speaker 5: and he's.
• 18:02
  Speaker 3: Kind of like my second dad. He teaches me about
• 18:05
  Speaker 3: those things. We have money conversations all the time. So
• 18:08
  Speaker 3: I kind of said to him one day, what super
• 18:10
  Speaker 3: are you with? And then created one in oz super
• 18:14
  Speaker 3: and yeah.
• 18:15
  Speaker 2: How good.
• 18:16
  Speaker 4: I love it when I can ask questions and people
• 18:18
  Speaker 4: are like, yeah, I put myself in a super fund
• 18:20
  Speaker 4: that made sense for me.
• 18:21
  Speaker 2: I looked at my options like it's.
• 18:23
  Speaker 4: Just so nice because at twenty five, No, I didn't
• 18:27
  Speaker 4: have it together absolutely not like I think.
• 18:29
  Speaker 2: I still had three super funds. I didn't really know
• 18:31
  Speaker 2: what they're up to.
• 18:32
  Speaker 4: I was wasting fees on all of them, and I
• 18:35
  Speaker 4: just didn't make it a priority. But future you is
• 18:37
  Speaker 4: going to be so much better off because you've done that,
• 18:40
  Speaker 4: and it just makes me so happy. All right, talk
• 18:43
  Speaker 4: to me about debt. You mentioned that you had recently
• 18:46
  Speaker 4: paid off twenty five thousand dollars worth of consumer debt.
• 18:49
  Speaker 4: Do you have any other debt? If so, what is it?
• 18:52
  Speaker 3: No debt at the moment, queen behavior, You're smirking while
• 18:56
  Speaker 3: saying that, are you super proud?
• 18:59
  Speaker 5: I am, because it's been a long time coming.
• 19:02
  Speaker 2: Yes, I love that. And what are we doing to
• 19:05
  Speaker 2: stay out of debt?
• 19:06
  Speaker 3: Well, the emergency fund is being created as we speak, love.
• 19:12
  Speaker 3: And I've started automating things a lot more because my
• 19:15
  Speaker 3: impulsivity and dopamine hits, like I said, a crack and
• 19:20
  Speaker 3: I struggle with that a lot. So I've had to
• 19:23
  Speaker 3: automate things and redo everything.
• 19:26
  Speaker 5: And now it's we're going good. We're going good.
• 19:28
  Speaker 4: I also it's very common knowledge that I also have ADHD,
• 19:32
  Speaker 4: and I feel like one of the biggest game changes
• 19:34
  Speaker 4: for me was actually automating my cash flow system. I
• 19:38
  Speaker 4: feel like because I am so impulsive, but also with ADHD,
• 19:42
  Speaker 4: it's very out of sight.
• 19:43
  Speaker 2: Out of mind.
• 19:44
  Speaker 4: I feel like so many times I'd get a bill
• 19:46
  Speaker 4: and then I get the late fees because I hadn't
• 19:48
  Speaker 4: paid it and I'd seen it come in, and I
• 19:49
  Speaker 4: go oh, I'll pay that, and then I never think
• 19:51
  Speaker 4: about it ever again. So I get the late fees
• 19:54
  Speaker 4: or I get the fees for like, you know, having
• 19:56
  Speaker 4: a fine, like a parking fine. I remember I let
• 19:59
  Speaker 4: a parking fine get completely out of control and it
• 20:01
  Speaker 4: was like an eighty eight dollar fine that ended up
• 20:03
  Speaker 4: costume close to five hundred dollars because I literally just
• 20:07
  Speaker 4: kept forgetting about it.
• 20:08
  Speaker 2: It's not because I didn't want to, It's because I.
• 20:11
  Speaker 4: Kept forgetting about it, and everything when it came to
• 20:13
  Speaker 4: money was so overwhelming. So hearing you say, oh, I'm
• 20:16
  Speaker 4: automating things, I think that's so smart. It's literally why
• 20:20
  Speaker 4: and I'm going to gift it to you. Actually we'll
• 20:21
  Speaker 4: talk about that after, but it's why I created the
• 20:24
  Speaker 4: budget and cash flow system that I have so my
• 20:26
  Speaker 4: online master class, because that master class one is built
• 20:30
  Speaker 4: by me who has ADHD, but it automates everything, so
• 20:33
  Speaker 4: it kind of like takes control of your budget and says,
• 20:35
  Speaker 4: what's your budget, and then it spits out what your
• 20:38
  Speaker 4: actual cash flow should look like to have a clean
• 20:41
  Speaker 4: budget and have a clean I guess list of goals.
• 20:44
  Speaker 4: So for me, that was a game changer, and I
• 20:47
  Speaker 4: think it might be for you. So we'll talk about
• 20:48
  Speaker 4: that later.
• 20:49
  Speaker 5: Well, you'll be pleased to know I already did.
• 20:51
  Speaker 2: You already have it. I can't even gift it to you.
• 20:54
  Speaker 2: I I'll send you a couple of books. I look,
• 20:56
  Speaker 2: I'm glad we had this conversation. Did it work? Did
• 20:59
  Speaker 2: it help?
• 21:00
  Speaker 5: Yes?
• 21:00
  Speaker 4: Did it actually or are you just saying that because
• 21:02
  Speaker 4: you're literally on my show and you can't say, oh,
• 21:04
  Speaker 4: VB it was pretty trash?
• 21:06
  Speaker 5: No, it was good.
• 21:07
  Speaker 3: I just changed things because I'm very particular with things,
• 21:11
  Speaker 3: so I changed it up a little bit, but the
• 21:13
  Speaker 3: basis was still the same.
• 21:14
  Speaker 4: Which I absolutely allow. All Right, I love hearing that.
• 21:17
  Speaker 4: But tell me about your emergency fund because you mentioned
• 21:20
  Speaker 4: before when I said how are we staying out of debt?
• 21:22
  Speaker 4: You said, I'm going to have an emergency fund. How
• 21:24
  Speaker 4: have you decided on how much you're going to put
• 21:27
  Speaker 4: into that?
• 21:28
  Speaker 3: So I didn't have a end goal amount as such.
• 21:33
  Speaker 3: I'm kind of just I have a director of it
• 21:36
  Speaker 3: that goes from my normal account to the account I
• 21:40
  Speaker 3: don't have access to. Every fortnight when I get paid,
• 21:43
  Speaker 3: it goes straight into there, and that's about five hundred
• 21:46
  Speaker 3: bucks a fortnight.
• 21:47
  Speaker 2: Oh that's gonna grow very quickly, my friend.
• 21:50
  Speaker 5: Yes, that's the plan.
• 21:52
  Speaker 2: That's very attractive.
• 21:53
  Speaker 3: I like this, Thank you, And then every time I
• 21:56
  Speaker 3: work at the bar, that paycheck goes straight into the
• 22:00
  Speaker 3: emergency fund as well, so I don't see it because
• 22:02
  Speaker 3: if I see it, I spend it.
• 22:04
  Speaker 2: I love this.
• 22:04
  Speaker 4: You're just like taking control by completely taking it away
• 22:07
  Speaker 4: from yourself.
• 22:09
  Speaker 2: Yeah, genius, genius. I love that.
• 22:11
  Speaker 4: At what point, and I mean, you said you hadn't
• 22:13
  Speaker 4: really thought about it, but I guess what would be
• 22:17
  Speaker 4: a number that, off the top of your head makes
• 22:19
  Speaker 4: you feel comfortable. Is it one thousand dollars? Is it
• 22:23
  Speaker 4: five thousand dollars? Is it ten thousand dollars? That you go, Oh,
• 22:25
  Speaker 4: that would be nice.
• 22:27
  Speaker 3: I'm kind of aiming for five grand at this stage,
• 22:30
  Speaker 3: keeping in mind I do have some holidays coming up,
• 22:33
  Speaker 3: and I do have some things that I need to
• 22:35
  Speaker 3: pay for, but five grand for me at the moment
• 22:38
  Speaker 3: would be kind of nice.
• 22:40
  Speaker 4: I'm excited that you get to go on this August
• 22:42
  Speaker 4: holiday because I feel like when you explained why you
• 22:45
  Speaker 4: were going, your face lit up. Is country music something
• 22:49
  Speaker 4: that you're really passionate about? If so, tell me a
• 22:52
  Speaker 4: little bit more about this holiday and how much it's
• 22:54
  Speaker 4: going to cost you.
• 22:54
  Speaker 3: I'm a country gal, so I love country music. We're
• 22:58
  Speaker 3: going to see Luke Holmes, who is going to Adelaide.
• 23:01
  Speaker 3: Somehow I managed to get tickets. I was on the
• 23:06
  Speaker 3: ticket website four hours before the tickets actually came out,
• 23:08
  Speaker 3: so I made sure I got tickets. We've kind of
• 23:11
  Speaker 3: got a bit of a rough budget that my partner
• 23:13
  Speaker 3: and I have worked out for the holiday. We like
• 23:16
  Speaker 3: to pay for things as they come up, so that
• 23:19
  Speaker 3: most of it's page.
• 23:20
  Speaker 2: Is he the guy that sings the fast Castle.
• 23:23
  Speaker 5: He covers it?
• 23:23
  Speaker 4: Yeah, but he sung that, right. I feel like that's
• 23:26
  Speaker 4: come up on my Spotify and he's really good.
• 23:28
  Speaker 3: Yes, it would have, because it's just gone crazy, a
• 23:31
  Speaker 3: little too crazy for my lacking if I want to.
• 23:33
  Speaker 4: But is that why you had to like wait on
• 23:35
  Speaker 4: the website because other people who have now gotten in
• 23:37
  Speaker 4: on what you already discovered. Yes, That's how I felt
• 23:41
  Speaker 4: about Taylor Swift, And now I'm validated by the amount
• 23:43
  Speaker 4: of fans she has because I'm like, yeah, well I
• 23:46
  Speaker 4: knew about her when I was young, and you said
• 23:47
  Speaker 4: I was lame.
• 23:48
  Speaker 5: Yeah, exactly.
• 23:49
  Speaker 2: I love that. I love that so much. But you
• 23:53
  Speaker 2: also mentioned that next year you're going to a wedding,
• 23:56
  Speaker 2: and that's something that you're budgeting for, and like, that's
• 24:00
  Speaker 2: a really topical conversation, right, So I'm assuming you're going
• 24:03
  Speaker 2: to a destination wedding. Can you tell me without going
• 24:06
  Speaker 2: too much, I guess into it because we don't want
• 24:08
  Speaker 2: to throw anyone under a bus.
• 24:09
  Speaker 4: But where is that and how much do you think
• 24:12
  Speaker 4: that's going to cost you?
• 24:13
  Speaker 3: So it's in Victoria, and usually my partner and I
• 24:19
  Speaker 3: we wouldn't.
• 24:19
  Speaker 5: Really travel for people's weddings. And that sounds horrible, but
• 24:23
  Speaker 5: it's a lot. It's a lot of money.
• 24:25
  Speaker 3: But it is one of his really close friends, and
• 24:28
  Speaker 3: I would never imagine saying no.
• 24:31
  Speaker 5: Yeah, absolutely, So we've made a decision to go.
• 24:34
  Speaker 3: Whether that be for just the wedding or we have
• 24:37
  Speaker 3: a couple of days down there with them, I'm not
• 24:39
  Speaker 3: too sure. But we just paid for the accommodation for
• 24:42
  Speaker 3: three nights, which is six hundred bucks, which isn't too bad.
• 24:45
  Speaker 2: My gosh, that's so much.
• 24:46
  Speaker 4: It's still a lot of money to go to somebody
• 24:48
  Speaker 4: else's wedding, and like, I adore it, and as someone
• 24:51
  Speaker 4: who has been a bride, and I have had people
• 24:54
  Speaker 4: travel for me to come to my wedding. I was
• 24:57
  Speaker 4: so overwhelmingly grateful, but I wouldn't want anyone to think
• 25:01
  Speaker 4: that I didn't think of the financial implications of that.
• 25:04
  Speaker 4: And like the idea that it now has to become
• 25:07
  Speaker 4: one of your money goals to me goes, Oh, is
• 25:09
  Speaker 4: there something weird about these? Like is there something that
• 25:12
  Speaker 4: maybe means you're putting off your life goals and your
• 25:15
  Speaker 4: emergency fund and you creating financial freedom to celebrate somebody else,
• 25:20
  Speaker 4: And like, obviously it's so aligned to your values, and
• 25:22
  Speaker 4: that's fine. I just always like to have these conversations
• 25:25
  Speaker 4: that arguably make people uncomfortable, but sometimes we have to
• 25:28
  Speaker 4: be uncomfortable to ultimately put ourselves first. But I love
• 25:32
  Speaker 4: that you were like, oh, we usually don't do this,
• 25:33
  Speaker 4: but this one's really important to us.
• 25:35
  Speaker 2: So that makes me very happy.
• 25:37
  Speaker 3: It was a big decision to do it, and I've
• 25:40
  Speaker 3: always previously been in the mentality of oh, I just
• 25:45
  Speaker 3: can't afford it, And that's always been my what I
• 25:48
  Speaker 3: say when people say, do you want to do something?
• 25:49
  Speaker 5: I just can't afford it.
• 25:50
  Speaker 3: But with this new mentality I've got around money and
• 25:54
  Speaker 3: with my understanding of my diagnosis and automating things making
• 25:59
  Speaker 3: things all easier on myself. If I'm starting to realize
• 26:01
  Speaker 3: that if I have a goal and I put my
• 26:04
  Speaker 3: mind to it and I have a plan, it will happen.
• 26:07
  Speaker 3: And this is just one of those things that we
• 26:10
  Speaker 3: really want to do because he is one of my
• 26:13
  Speaker 3: partner's best mates. So it's kind of not an option
• 26:16
  Speaker 3: for us. It was a high value thing for us.
• 26:18
  Speaker 4: Oh my gosh, I am obsessed with this mentality change
• 26:21
  Speaker 4: that you're making, and it just makes me so happy
• 26:24
  Speaker 4: to know that I guess reframing that and we know
• 26:28
  Speaker 4: or I know that reframing is such a powerful technique
• 26:31
  Speaker 4: that you can implement literally at any stage.
• 26:33
  Speaker 2: It is free.
• 26:34
  Speaker 4: But this idea of going from I can't afford it
• 26:37
  Speaker 4: to it's actually not in line with my values or
• 26:39
  Speaker 4: it's not in line with the goals I'm.
• 26:40
  Speaker 2: Working towards right now.
• 26:42
  Speaker 4: Because regardless of your income, regardless of you know what
• 26:45
  Speaker 4: your values are or what costs you have at the moment,
• 26:49
  Speaker 4: this idea that you can't afford, it actually stems back
• 26:52
  Speaker 4: to it is not a priority for me.
• 26:55
  Speaker 2: And I think that that's much more empowering than telling.
• 26:58
  Speaker 4: Yourself and giving yourself this dialogue of like, oh, they
• 27:01
  Speaker 4: I can't afford it. It's like, well, actually, regardless of
• 27:04
  Speaker 4: your income, a lot of people would choose to do that,
• 27:07
  Speaker 4: and that's okay, and they can quote afford it because
• 27:10
  Speaker 4: they have the money in it, going into debt for it.
• 27:12
  Speaker 4: But when I say I can't afford it, I go,
• 27:15
  Speaker 4: I can't afford it at the cost of all the
• 27:17
  Speaker 4: other goals and the values that I hold. I can't
• 27:20
  Speaker 4: afford it at the cost of, you know, putting to
• 27:23
  Speaker 4: the side something else that's incredibly important to me. And
• 27:26
  Speaker 4: I think that that just puts you in so much
• 27:28
  Speaker 4: more control. And obviously you've only recently changed this mindset
• 27:32
  Speaker 4: which I'm so excited to be on. I guess the
• 27:35
  Speaker 4: journey with you of but how have you seen that
• 27:38
  Speaker 4: making you feel just this shift of going, oh, I'm
• 27:41
  Speaker 4: not going to say that anymore.
• 27:42
  Speaker 2: I'm going to say this, what does that look like?
• 27:44
  Speaker 3: It feels really good to know that I can contribute
• 27:49
  Speaker 3: to things. For example, my partner and I have been
• 27:51
  Speaker 3: together five years now, and a lot of the time
• 27:54
  Speaker 3: it was just we wouldn't plan things because I couldn't
• 27:58
  Speaker 3: afford it, and it is really heartbreaking because we're a
• 28:01
  Speaker 3: really big camping fishing couple.
• 28:04
  Speaker 5: We love it. It's our lifestyle, it's who we are.
• 28:07
  Speaker 3: So for me to have to say no a lot
• 28:10
  Speaker 3: of the time, even though I really wanted to, was
• 28:13
  Speaker 3: so hard and it started to affect our relationship a
• 28:15
  Speaker 3: little bit because I wanted to say yes, but I
• 28:21
  Speaker 3: knew that if I said yes, he would be paying
• 28:23
  Speaker 3: for all of it, and to me, that's not right.
• 28:25
  Speaker 5: I need to pay half. So it's really uplifting now
• 28:30
  Speaker 5: that I can put towards things.
• 28:33
  Speaker 3: And if we need to pay for the wedding accommodation,
• 28:36
  Speaker 3: we did it the other day. We didn't have to
• 28:37
  Speaker 3: use a payment plan or it wasn't like a, oh
• 28:40
  Speaker 3: you know what, we just can't afford it.
• 28:42
  Speaker 5: So yeah, it's uplifting. I really I'm enjoying it.
• 28:45
  Speaker 4: I love it so much, like it genuinely makes me
• 28:47
  Speaker 4: so happy. And I think my favorite part about this
• 28:50
  Speaker 4: is like you can walk the walk. You're like, you
• 28:51
  Speaker 4: could tell me, yeah, I'm so empowered by this. But
• 28:55
  Speaker 4: I get the privilege that nobody else listening to this
• 28:58
  Speaker 4: podcast gets, and that's I can see you right now
• 29:00
  Speaker 4: and you are like beaming when you're telling me this,
• 29:02
  Speaker 4: like You've got this smile on your face, like I'm
• 29:04
  Speaker 4: so far out of myself and I'm genuinely, I guess
• 29:06
  Speaker 4: gratified by this, and it honestly makes my day. Like
• 29:10
  Speaker 4: this is why money diaries are my favorite, Like learning
• 29:12
  Speaker 4: about people, learning about their journeys and knowing that they're
• 29:15
  Speaker 4: putting themselves in the best possible position.
• 29:18
  Speaker 2: It's so lame, but like it's my favorite. All Right, we.
• 29:21
  Speaker 4: Are coming to the end of the show. I'm so sorry,
• 29:24
  Speaker 4: but we've got a few questions before we go. I
• 29:26
  Speaker 4: want to know what do you think your best money
• 29:29
  Speaker 4: habit is?
• 29:30
  Speaker 3: Best money habit starting to automate things now and I
• 29:35
  Speaker 3: always compare pricing. I never take the first price. If
• 29:38
  Speaker 3: we're going to a hardware store and I need to
• 29:41
  Speaker 3: buy something, I will be asking for a discount, or
• 29:44
  Speaker 3: I'll be asking for something or I always look out
• 29:48
  Speaker 3: for deals.
• 29:49
  Speaker 5: Love yep.
• 29:50
  Speaker 4: And then slip that on its head, my friend, what
• 29:52
  Speaker 4: is your worst money habit? And you can't say adhd.
• 29:58
  Speaker 5: Okay.
• 29:58
  Speaker 3: I will go around it and say being obsessed with
• 30:02
  Speaker 3: something to the point where I'll buy everything for that
• 30:06
  Speaker 3: hobby or that accessions and then never using it because
• 30:10
  Speaker 3: it's overwhelming. And I did it with a sewing machine.
• 30:13
  Speaker 3: I've done it with so many things in my life,
• 30:15
  Speaker 3: and it's taken a lot of money from me, this
• 30:18
  Speaker 3: habit that I have. But I'm working on understanding that
• 30:22
  Speaker 3: impulsivity letting it sit for twenty four hours and then
• 30:25
  Speaker 3: going back, even if I put it all in my cart,
• 30:28
  Speaker 3: see it there and then the next day forget about it.
• 30:31
  Speaker 5: It just yeah, that's my worst money habit.
• 30:34
  Speaker 4: I had to stop myself the other day, so I
• 30:36
  Speaker 4: went down a rabbit hole. And anyone who has ADHD
• 30:40
  Speaker 4: knows this happens after the hour of eight pm. You'll
• 30:43
  Speaker 4: be sitting on the couch like, yeah, it's like after
• 30:45
  Speaker 4: eight pm. Like you're not going to do it during
• 30:47
  Speaker 4: the day. You're busy during the day thinking about other things.
• 30:49
  Speaker 4: But I got in my head after seeing like two
• 30:51
  Speaker 4: tiktoks of someone using what's called a cricket, which is
• 30:54
  Speaker 4: essentially this like laser cut of printer that can cut
• 30:58
  Speaker 4: out stickers and like lots of different things, right, I
• 31:00
  Speaker 4: decided I needed one.
• 31:02
  Speaker 2: I was like, I am here for this. We're going
• 31:04
  Speaker 2: to need the cricket.
• 31:04
  Speaker 4: We're going to need all the accessories, Like if you've
• 31:07
  Speaker 4: got ADHD, you don't just do entry level like that
• 31:09
  Speaker 4: would be stupid. I'm so committed to this new hobby
• 31:13
  Speaker 4: that I've never tried that we're not going entry level,
• 31:15
  Speaker 4: like we need the mid level like machine. We also
• 31:18
  Speaker 4: need all of the accessories because like the accessories look
• 31:21
  Speaker 4: really good. I need all of the different papers because
• 31:23
  Speaker 4: like what if pink isn't enough?
• 31:25
  Speaker 2: Right?
• 31:25
  Speaker 4: So I put them all in my cart and it
• 31:27
  Speaker 4: was like a thousand dollars worth of stuff and I
• 31:30
  Speaker 4: had to stop myself.
• 31:31
  Speaker 2: I was like, what am I doing? Like this is
• 31:33
  Speaker 2: not okay. I didn't do it.
• 31:35
  Speaker 4: I told myself I'll put twenty four hours between me
• 31:38
  Speaker 4: and my spending and I didn't do it.
• 31:41
  Speaker 2: And I'm so impressed.
• 31:42
  Speaker 4: But when you said that, I was like, I swear
• 31:44
  Speaker 4: I have a new hobby every single week. My husband
• 31:47
  Speaker 4: actually sometimes I'll come home with something.
• 31:49
  Speaker 2: And he'll be like, oh, is that this week's hobby?
• 31:51
  Speaker 3: Is it?
• 31:51
  Speaker 4: And I'm like, I feel personally victimized when he does that.
• 31:55
  Speaker 4: Why can't I be.
• 31:56
  Speaker 2: More like him and consistently enjoy my lawn, Like it's
• 31:59
  Speaker 2: just going to have that?
• 32:00
  Speaker 5: How it's not.
• 32:01
  Speaker 3: How its eight o'clock is the worst time, right just
• 32:05
  Speaker 3: after div Yeah, just after dinner, sitting on the couch
• 32:08
  Speaker 3: watching something on TV, and then you start scrolling, yeah,
• 32:11
  Speaker 3: because you can't just watch TV, Like, We've got to
• 32:13
  Speaker 3: do all the things all at once, and we're flicking
• 32:15
  Speaker 3: between TikTok and the internet like Explorer to like look
• 32:19
  Speaker 3: up these things like that.
• 32:21
  Speaker 4: We're we're not just on one thing. And then, oh
• 32:24
  Speaker 4: my gosh, I've got this great idea. Are you ready
• 32:26
  Speaker 4: to hear it? It's an ADHD library. You get in
• 32:30
  Speaker 4: with an ADHD diagnosis, Like that's what you use your
• 32:33
  Speaker 4: like your library card for, but instead of books, it
• 32:36
  Speaker 4: has hobby buckets and you can go in and in
• 32:38
  Speaker 4: one bucket's like the sewing hobby, and in another it's
• 32:41
  Speaker 4: like the cricket hobby. And then the next week I
• 32:43
  Speaker 4: can return it and get a different hobby, like and we.
• 32:46
  Speaker 2: All just swap.
• 32:47
  Speaker 5: I'm down, Yes, I'm so down for that.
• 32:49
  Speaker 4: See I feel like that would be good. You want
• 32:50
  Speaker 4: to do embroidery this week, No worries. Take home all
• 32:53
  Speaker 4: of this stuff. Your house is not going to be
• 32:55
  Speaker 4: messy anymore because it's full of all your hobbies. And
• 32:57
  Speaker 4: your crafts and things that you take up. It's definitely returnable.
• 33:02
  Speaker 4: How good's that you hand it over to another adha.
• 33:05
  Speaker 5: Bucket because you don't start it.
• 33:07
  Speaker 4: Yeah, yeah, exactly, and then you return it next week.
• 33:09
  Speaker 4: We will have late fees though, because we'll make an
• 33:12
  Speaker 4: absolute killing because every adhd Galie won't return it on
• 33:15
  Speaker 4: time and we'll just make a whole heap of money
• 33:17
  Speaker 4: on late face.
• 33:18
  Speaker 2: It's a really good idea. I think it's like a
• 33:20
  Speaker 2: toy library. But for adults.
• 33:23
  Speaker 4: I think we're done here because I've absolutely lost the plot.
• 33:26
  Speaker 4: But at the very start, you said six weeks ago
• 33:30
  Speaker 4: you rated yourself as a D and now you're a
• 33:33
  Speaker 4: B minus. I feel like you're way better than a
• 33:36
  Speaker 4: B minus. But I want to know from your perspective
• 33:39
  Speaker 4: after all of this, it sounds like you are absolutely
• 33:42
  Speaker 4: killing it. Like I mean, you did say I've got
• 33:44
  Speaker 4: that white picket fans stream home. We didn't talk a
• 33:46
  Speaker 4: lot about that, but we talked about your money goals
• 33:50
  Speaker 4: and what you're trying to achieve, and the fact that
• 33:51
  Speaker 4: you care a lot about your super and you have
• 33:53
  Speaker 4: a second job and you've automated your savings on your
• 33:55
  Speaker 4: cash flow and you're working towards an emergency fund, I
• 33:58
  Speaker 4: would say, relatively aggressively, what do you think it would
• 34:01
  Speaker 4: take to get you to an A from a B minus?
• 34:05
  Speaker 3: I still need to rain in those impulsive purchases and
• 34:11
  Speaker 3: understand that you don't need that top ten times because
• 34:16
  Speaker 3: next week it won't be the top of your dreams.
• 34:19
  Speaker 4: What do you mean, I don't need to buy it
• 34:21
  Speaker 4: in every single color, but I have it in white,
• 34:22
  Speaker 4: and I really like the white. But it comes in
• 34:25
  Speaker 4: black and navy and space. Do you think I should
• 34:27
  Speaker 4: not get those now?
• 34:28
  Speaker 5: No? And you need to learn, and we need to
• 34:31
  Speaker 5: learn and.
• 34:32
  Speaker 3: Stick together to not be so impulsive and to be
• 34:38
  Speaker 3: a little more realistic.
• 34:40
  Speaker 5: I think I also with that impulsivity.
• 34:44
  Speaker 3: If there's something wrong with me, or for example, I'm
• 34:47
  Speaker 3: seeing a dermatologist right now because of my skin I've
• 34:50
  Speaker 3: always had acne.
• 34:51
  Speaker 5: I don't just halfheartedly.
• 34:54
  Speaker 3: Go into that. I go into that. I buy every
• 34:57
  Speaker 3: product that I need. I go crazy it I'm doing.
• 35:00
  Speaker 3: I'm going back and forth between if I can rain
• 35:03
  Speaker 3: in those impulsivity habits and stage the appointments out rather
• 35:08
  Speaker 3: than just being all focused in on once and spending
• 35:11
  Speaker 3: a lot of money on it.
• 35:12
  Speaker 5: I think I can potentially get.
• 35:16
  Speaker 3: My grade higher, but I just I know in myself,
• 35:20
  Speaker 3: I still think I will be a bee for a
• 35:22
  Speaker 3: little while longer until I can get those under control.
• 35:25
  Speaker 4: But it sounds like you are absolutely on the path
• 35:28
  Speaker 4: towards an A plus, like you are taking all the
• 35:31
  Speaker 4: right steps.
• 35:32
  Speaker 2: And I think, after hearing you.
• 35:33
  Speaker 4: Speak, I guess the tagline of ADHD should be go
• 35:37
  Speaker 4: hard or just go home, because like we're only doing
• 35:40
  Speaker 4: one of those two things. There is no middle ground,
• 35:42
  Speaker 4: no middle ground, absolutely not anyway, it has been so
• 35:46
  Speaker 4: good talking to you. I feel like you and I
• 35:48
  Speaker 4: are genuinely two peas in a pod. Thank you so
• 35:51
  Speaker 4: much for sharing your money diary and your story and
• 35:54
  Speaker 4: your journey with us. I feel like it's so inspirational
• 35:57
  Speaker 4: to talk to someone who's just gotten out of debt,
• 36:00
  Speaker 4: has just made a mindset shift to putting themselves in
• 36:03
  Speaker 4: the best possible position. It's inspiring, but it's also just
• 36:07
  Speaker 4: so beautiful to see how people are changing and putting
• 36:11
  Speaker 4: themselves in the best possible position. And it makes me
• 36:13
  Speaker 4: so proud but so excited for you. So I cannot
• 36:15
  Speaker 4: wait for an update from you in the future.
• 36:18
  Speaker 5: Okay, yeah, I promise.
• 36:20
  Speaker 2: I'm so excited. Thank you so much for joining us.
• 36:29
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• 36:32
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• 36:35
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• 36:39
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