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I Grew Up Watching Money Be Used as Control. Now I'm Building My Own Freedom. · She's On The Money

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  Speaker 1: My name is Satasha Bamblet. I'm a proud First Nations
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  Speaker 1: woman and I'm here to acknowledge country te glennyan Ganya, Niana,
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  Speaker 1: Kaka yah y and Binahaka Nian our gay In Mbini,
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  Speaker 1: yakarum Jar, dominyamiga Umaga Ihowaka, Nile, Waman damin Immalan, Bumba
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  Speaker 1: bang gadaboma In and now in wakah ghana on yakarum
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  Speaker 1: Jar Watanadaa. Hello, beautiful friends, we gather on the lands
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  Speaker 1: of the Aboriginal people. We thank acknowledge and respect the
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  Speaker 1: Abiginal people's land that we're gathering on today. Take pleasure
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  Speaker 1: in all the land and respect all that you see.
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  Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,
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  Speaker 1: bringing you the tools, knowledge and resources for you to thrive.
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  Speaker 2: She's on the Money.
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  Speaker 3: She's on the Money. Hello, and welcome to She's on
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  Speaker 3: the Money, the podcast that'll let you be a pervy
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  Speaker 3: about other people's money habits for educational purposes, of course.
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  Speaker 3: Welcome back to another one of our Money Diarius episodes,
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  Speaker 3: brought to you by our friends at sky Wealth, where
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  Speaker 3: I get the absolute privilege of sitting down with one
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  Speaker 3: of our incredible Shees on the Money community members and
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  Speaker 3: talking to them all about their journey. Now let's jump
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  Speaker 3: straight into it, because this week I got a message
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  Speaker 3: and it sounded exactly like this high Shees on the Money.
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  Speaker 3: I'm thirty one. I work in mining recruitment and have
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  Speaker 3: spent many years rebuilding my confidence with money. I've gone
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  Speaker 3: from worrying about every single dollar to saving aggressively investing
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  Speaker 3: and planning a dream Thaighland trip and thinking seriously about
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  Speaker 3: my future. I don't have a perfect money story. I
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  Speaker 3: still battle with lifestyle spending and the pressure to buy property,
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  Speaker 3: but I'm learning how to build wealth while actually enjoying
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  Speaker 3: my life. I'd love to share the winds, mistakes, and
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  Speaker 3: mindset changes that got me here money Doris. The second
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  Speaker 3: I saw that, I was like, get on my show.
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  Speaker 3: This is amazing. Welcome. Yeah, it's definitely a bit of
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  Speaker 3: a shift mining recruitment. Like I'm just I'm not gonna
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  Speaker 3: ask any questions now, we'll get into that in a
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  Speaker 3: hot second. The question I'd like to ask people right
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  Speaker 3: off the bat, what grade money dost would you give
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  Speaker 3: your money habits if I asked you to give them
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  Speaker 3: a grade from A through to F.
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  Speaker 4: I'd probably give myself a B. I think I've come
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  Speaker 4: a fair way. Yeah, all right, so let's learn a
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  Speaker 4: little bit more about that. Can you tell me a
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  Speaker 4: little bit more about your money story and the things
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  Speaker 4: that have impacted it. I grew up in a house
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  Speaker 4: where money was always like talked about, but like in
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  Speaker 4: a negative way, Like my dad was sort of would
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  Speaker 4: use it as a bit of a source of control. Yeah,
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  Speaker 4: so like he wanted my mom to stay at home
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  Speaker 4: and raise the children, and he referred to money as
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  Speaker 4: like his.
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  Speaker 3: Money, Oh delight me, not like the families.
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  Speaker 4: Yeah, which was always like I guess kind of gave
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  Speaker 4: me a little bit of a sort of worry about
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  Speaker 4: like finances and all that sort of stuff. I'd see
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  Speaker 4: what pressure my mom was under, like not to spend
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  Speaker 4: money and things like that. Yeah, and yeah, I basically
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  Speaker 4: just like saw how she was discouraged from chasing her
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  Speaker 4: career and pursuing opportunities that came up to give her
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  Speaker 4: financial independence.
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  Speaker 3: So, oh my god, that's so rough. That is so rough.
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  Speaker 3: And seeing that as a child, like I'm assuming at
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  Speaker 3: an age that you were like relatively formative. You don't know,
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  Speaker 3: that's wrong. You just go, well, it must be his money,
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  Speaker 3: that must be how this works.
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  Speaker 4: Yeah, exactly, And I think it had a huge impact
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  Speaker 4: on me. And like the way that I saw money
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  Speaker 4: when I first started earning money for myself, I kind
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  Speaker 4: of went in the opposite direction of like how my
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  Speaker 4: dad is with money, Like my dad's like wouldn't want
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  Speaker 4: to spend money on anything, would be very very like
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  Speaker 4: strict with money. So I just sort of went out
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  Speaker 4: and spent all my money on like poes and you know,
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  Speaker 4: going out with my friends and things like that.
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  Speaker 3: It makes sense because you didn't have freedom before and
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  Speaker 3: then all of a sudden you have freedom of choice
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  Speaker 3: and you're like, oh my god, I can choose anything,
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  Speaker 3: and I'm going too, and like that is so common,
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  Speaker 3: Like I wish I could be like, oh no, that
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  Speaker 3: doesn't really happen. Like usually if we've been constricted in
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  Speaker 3: literally anything, it would be money, it could be food,
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  Speaker 3: it could be like our lifestyle, it could be anything.
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  Speaker 3: The second we go from being like no, you're not
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  Speaker 3: being restricted to you can basically do anything and make
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  Speaker 3: your own choices, we do get a little bit silly,
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  Speaker 3: like we do, and we don't mean it but it's
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  Speaker 3: our way of kind of like making sure that we
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  Speaker 3: feel like we're in control.
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  Speaker 4: Yeah exactly, I jumped off the other side of the
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  Speaker 4: spectrum pretty much. And yeah, basically was like that up
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  Speaker 4: until very recently, to be honest, And then I started
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  Speaker 4: sort of having a bit of a mindset shift because
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  Speaker 4: I'm getting older now, and yeah, my relationship with money
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  Speaker 4: is definitely changed a lot thanks to you as well.
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  Speaker 3: Oh so sweet.
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  Speaker 4: Yeah, Like I was like getting into saving and all
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  Speaker 4: that sort of stuff, and then just like obviously listen
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  Speaker 4: to a lot of podcasts and spread a few books
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  Speaker 4: and things, and then yeah, my mindset sort of shifted,
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  Speaker 4: and I realized that like obviously, building like wealth and
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  Speaker 4: all that sort of stuff is actually really important because
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  Speaker 4: that's actually you've got more control over your money if
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  Speaker 4: you're doing that rather than spending it all on close.
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  Speaker 3: And it's totally about learning this idea of delayed versus
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  Speaker 3: instant gratification, because like, when you come out of a
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  Speaker 3: situation that is rather restricted, whether you understand it or not,
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  Speaker 3: instant gratification is what we default to because you've had
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  Speaker 3: you know this, I would say delayed gratification, but like
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  Speaker 3: not in a good way, like things have always been
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  Speaker 3: pushed off for you, and you're like, well, this idea
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  Speaker 3: of delayed gratification doesn't really work because like people say,
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  Speaker 3: you can have it later or you know, not now,
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  Speaker 3: and you're like, well that never happens, Like that never
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  Speaker 3: comes true. So you go to, oh, those genes of
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  Speaker 3: sale right now, and I'm going to have them right now,
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  Speaker 3: and that makes me feel really good and my dopamine spikes,
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  Speaker 3: and girl, I get it, like I really do. And
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  Speaker 3: I got myself into a pickle because I was such
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  Speaker 3: an instant like gratification queen. But like, don't get me wrong,
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  Speaker 3: that felt good, didn't it. Like we don't have to
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  Speaker 3: look back and say, oh, oh I was so bad. Girl.
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  Speaker 3: I had a good time into debt, like I really did.
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  Speaker 4: I enjoyed the five passls a week.
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  Speaker 3: Oh my god, me too. But like at some point
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  Speaker 3: you realize, hmm, this is actually stealing from future me.
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  Speaker 3: What am I going to start doing? So tell me
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  Speaker 3: about that mindset shift. You started listening to podcasts and
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  Speaker 3: like picking up content and focusing on your savings. But like,
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  Speaker 3: what made you go I actually want to do this
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  Speaker 3: because like so many people want to but then, don't
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  Speaker 3: I think.
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  Speaker 4: A lot of it as well? Was I changed from
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  Speaker 4: being in a job where I was making it week
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  Speaker 4: to week, whereas like any little bits of money that
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  Speaker 4: I had spare, I was like, oh, I might as
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  Speaker 4: well just spend it. Yeah, And then obviously got better
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  Speaker 4: jobs and better jobs, and then sort of was like, Okay,
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  Speaker 4: well I need to actually start thinking about my future,
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  Speaker 4: growing a bit older as well, and then sort of
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  Speaker 4: realizing that other people were further along than me, like
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  Speaker 4: I was just renting with some friends, and you know,
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  Speaker 4: then I sort of realized, oh, property market, how am
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  Speaker 4: I ever gonna like afford a home if I don't
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  Speaker 4: like start to actually really think about money and savings
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  Speaker 4: and all that sort of stuff totally.
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  Speaker 3: And in the I don't know if I call them
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  Speaker 3: letters or emails or whatever people send me. You said
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  Speaker 3: that you know, you're still battling lifestyle spending and the
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  Speaker 3: pressure to buy property, and I feel like that's really
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  Speaker 3: relatable for our community. And you keep saying I'm getting older.
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  Speaker 3: I'm I want to like smack you down a little
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  Speaker 3: bit and be like, queen, you are only thirty one,
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  Speaker 3: like please, like you are so young, but it's so
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  Speaker 3: hard when you get to that like thirty year old age.
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  Speaker 3: I feel, especially for people in twenty twenty six, you
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  Speaker 3: get to about thirty and like it's like wealth starts
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  Speaker 3: to seep out of people, so instead of being relatable
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  Speaker 3: and having housemates and you're all kind of in the
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  Speaker 3: same ship, Like you will start to see a few
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  Speaker 3: friends buy a property and you're like, hold on, I
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  Speaker 3: didn't even realize you were saving. And you start to
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  Speaker 3: see a few friends like spend big on a Europe
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  Speaker 3: trip and you're like, hold on, and I didn't realize
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  Speaker 3: you could afford that. And you kind of realize that
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  Speaker 3: people have been saving and investing in the background, and
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  Speaker 3: you're like feel left behind in a way, but you're not,
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  Speaker 3: like you're literally where you're supposed to be. But is
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  Speaker 3: that kind of how it felt for you?
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  Speaker 4: Yeah, definitely, I felt like I was behind a lot.
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  Speaker 4: But another thing would be I'm in a long term
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  Speaker 4: relationship and my partner he owns his house and has
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  Speaker 4: pretty much nearly paid off his mortgage.
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  Speaker 3: Okay, she knows how to date.
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  Speaker 4: He's a bit older than me. But I think like
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  Speaker 4: as well, like bringing it back to like my parents,
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  Speaker 4: and that situation is like I still want to buy
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  Speaker 4: my own property because like I'm quite adavert to be
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  Speaker 4: like independent and have my own financial freedom as well.
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  Speaker 3: I'm obsessed. I can't tell you how much I love
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  Speaker 3: it when I meet a woman who says I'm in
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  Speaker 3: a long term relationship or I've got a boyfriend, but
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  Speaker 3: like I don't want him to be part of my
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  Speaker 3: b get financial goals because I just want to be
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  Speaker 3: set up on my own. You just know that that's
• 9:04
  Speaker 3: a really healthy relationship. You just know that, like you
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  Speaker 3: obviously have a good level of respect for each other,
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  Speaker 3: because so many people are like, oh, my boyfriend just
• 9:12
  Speaker 3: doesn't want me to do it without him, and that's
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  Speaker 3: not a problem. Like my husband, if I had said
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  Speaker 3: I want to buy my own house, he would have
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  Speaker 3: been like, Victoria, I feel left behind, Like I want
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  Speaker 3: to be on this journey. But like, obviously there's a
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  Speaker 3: bit of a difference in your relationship where you said
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  Speaker 3: your partner is like ahead of you. You're like, I
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  Speaker 3: just want to catch up and I want to be
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  Speaker 3: on the same page, and I just is your partner
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  Speaker 3: really supportive of that?
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  Speaker 4: Yeah, No, he's happy for me to do it, like
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  Speaker 4: he's setting the past like just save as much as
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  Speaker 4: you can and potentially in the future, like depending on
• 9:41
  Speaker 4: obviously what happens with the property market and stuff, like
• 9:44
  Speaker 4: we might eventually buy something together or I might buy
• 9:47
  Speaker 4: something solo. But yeah, he's very very supportive of my
• 9:51
  Speaker 4: saving journey. Like he doesn't make me pay rent or anything,
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  Speaker 4: so it's quite helpful.
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  Speaker 3: Money with Thank you, sir. Oh love to see it
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  Speaker 3: all right, tell me a little bit more. You know,
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  Speaker 3: you said you went from worrying about every single dollar,
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  Speaker 3: and I find that when people say that, there seems
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  Speaker 3: to be like a tipping point because like, given your
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  Speaker 3: money story in the way you grew up, you're like,
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  Speaker 3: I'm just spending week to week and like I'm just
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  Speaker 3: spending what's there because it didn't feel like enough, like
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  Speaker 3: or I might be incorrect, but that's the vibe was
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  Speaker 3: picking up from. You know what you said. You kind
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  Speaker 3: of said that you'd spent all of your money and
• 10:26
  Speaker 3: then there was like a little bit left. So you're like,
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  Speaker 3: what's the point, Yes, at what point did you go,
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  Speaker 3: actually that small amount of money has power. I should
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  Speaker 3: be like saving, I should be you know, putting that
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  Speaker 3: aside for later. And did it feel fruitless at the start,
• 10:40
  Speaker 3: or like where did this come from to have such
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  Speaker 3: a big mindset shift.
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  Speaker 4: Oh, I kind of hit rock bottom, well not rock bottom,
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  Speaker 4: but like I just had loads of outgoings and I
• 10:51
  Speaker 4: wasn't managing my money well, Like I was still going
• 10:53
  Speaker 4: out a fair a few times a week for like
• 10:56
  Speaker 4: meals and things. And then like I remember like being
• 10:59
  Speaker 4: on the phone to like phone company and like asking
• 11:02
  Speaker 4: for them to defer it every couple of weeks, and
• 11:05
  Speaker 4: I was just like, oh, this is like I don't
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  Speaker 4: want to be in this situation where I'm living week
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  Speaker 4: to week and like I'm stressed about money. Like I
• 11:12
  Speaker 4: remember crying to one of my supervisors at the time,
• 11:15
  Speaker 4: like about money and like if I could get a
• 11:18
  Speaker 4: pay rise, and I was like, I don't want to
• 11:19
  Speaker 4: be asking that based off like yeah, I want to
• 11:23
  Speaker 4: be asking based off merit, not because I feel like
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  Speaker 4: I'm in financial trouble and stressed out. And yeah, that's such.
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  Speaker 3: A stressful position. And so what was the first thing
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  Speaker 3: you did? You obviously consumed a whole heap of content,
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  Speaker 3: but did you open a separate savings account or did
• 11:40
  Speaker 3: you just go, oh, I'm going to say no to
• 11:43
  Speaker 3: the next dinner or like what was like, I guess
• 11:45
  Speaker 3: the small steps that took you towards this.
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  Speaker 4: I opened a completely different savings account, so I have
• 11:54
  Speaker 4: my main account with Commonwealth, and then I have you
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  Speaker 4: Bank as my savings, and then within that, I have
• 12:01
  Speaker 4: eight separate accounts where.
• 12:02
  Speaker 3: I I, oh, my goodness, you've gone hair. I love it.
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  Speaker 4: Yeah, I went a little bit crazy with separate accounts.
• 12:10
  Speaker 4: When I transfer on payday automatically into my savings, like
• 12:14
  Speaker 4: it's a rent situation, so that goes straight into my savings.
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  Speaker 4: I'm saving one thousand, six hundred and fortnite into my savings.
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  Speaker 3: How good's that?
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  Speaker 4: And then I'll put in like, you know, fifty dollars
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  Speaker 4: into like presents fifty dollars into whichever account, and then
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  Speaker 4: like that would just build up, like I've got an
• 12:34
  Speaker 4: emergency fund as well, so stop it.
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  Speaker 3: Past you would be like, who is this woman? What
• 12:40
  Speaker 3: has she done? And why is our money all so organized?
• 12:44
  Speaker 3: Like what do you mean it's not in our wardrobe?
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  Speaker 4: Nah? It definitely feels good as well to have like
• 12:49
  Speaker 4: an emergency fund and stuff.
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  Speaker 3: I'm obsessed. So tell me a little bit more about you.
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  Speaker 3: You mentioned that you work in mining recruitment. So what
• 12:57
  Speaker 3: is that job and how much do you get paid
• 12:59
  Speaker 3: to do it?
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  Speaker 4: Yeah, work as a recruiter for mining, So I essentially
• 13:03
  Speaker 4: employ all like mechanical trades in the mining industry and
• 13:08
  Speaker 4: I get paid as a commission based job. So this
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  Speaker 4: financial year to be around one hundred and.
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  Speaker 3: Thirty stop it? What's your base?
• 13:17
  Speaker 4: Ninety five? Oh?
• 13:18
  Speaker 3: How good's that? That's a nice amount of comms. So
• 13:21
  Speaker 3: tell me are the people that you're recruiting for? I
• 13:24
  Speaker 3: don't know what you meant. So you said, like for
• 13:27
  Speaker 3: mechanical trades. Obviously I understand that, but like, does that
• 13:30
  Speaker 3: mean that they have to be skilled or does that
• 13:32
  Speaker 3: mean that you know they're going in and being trained
• 13:35
  Speaker 3: or like what type of people are you looking for
• 13:37
  Speaker 3: and how hard are they defined?
• 13:39
  Speaker 4: Yeah, mostly have to be trained, so four year apprenticeship.
• 13:43
  Speaker 4: We do have a few people like service people which
• 13:46
  Speaker 4: are not trained, but we don't get too many on that.
• 13:50
  Speaker 4: It's more the actual apprenticeship.
• 13:52
  Speaker 3: Yeah, no, that makes sense.
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  Speaker 4: They have to have completed a four year apprenticeship and
• 13:56
  Speaker 4: usually a couple of years experience behind them as well.
• 14:00
  Speaker 4: Get them on board.
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  Speaker 3: I feel like that means you're as a recruiter probably
• 14:03
  Speaker 3: hustling pretty hard because like my best friend was a
• 14:07
  Speaker 3: recruiter for ten plus years and she worked more in
• 14:09
  Speaker 3: professional services and she got to lean on like LinkedIn
• 14:12
  Speaker 3: really heavily. But when you're working in like that more
• 14:15
  Speaker 3: mechanical field, they're not usually setting up a really shiny,
• 14:19
  Speaker 3: fancy LinkedIn for a recruiter to stumble across. So am
• 14:23
  Speaker 3: I right in assuming like the hustle is hard.
• 14:26
  Speaker 4: Yeah, not many mechanics have linkedins, So no, it's definitely
• 14:30
  Speaker 4: a lot of seek and gold calls and things.
• 14:33
  Speaker 3: Yeah yeah, wow, how cool. So now tell me what's
• 14:36
  Speaker 3: your big money goal. Like you said that you have
• 14:39
  Speaker 3: your U bank set up, it's got eight different accounts,
• 14:42
  Speaker 3: but like, what are you working towards a couple?
• 14:46
  Speaker 4: So by the end of this year, I want to
• 14:48
  Speaker 4: have ninety K in my savings stop my main savings account,
• 14:52
  Speaker 4: just because yeah, I'm looking obviously potentially property, so just
• 14:56
  Speaker 4: sort of want to have that set in there. And
• 14:59
  Speaker 4: then I'm going on a trip to Thailand with my
• 15:01
  Speaker 4: partner at the end of the year as well, So
• 15:04
  Speaker 4: three weeks away in Thailand.
• 15:06
  Speaker 3: Sorry, oh my good nurse, Thailand is stunning. Tell me
• 15:09
  Speaker 3: how did you plan that trip with your partner? Like,
• 15:11
  Speaker 3: how are we funding it?
• 15:13
  Speaker 4: Well, he's not really a saver who works in mining,
• 15:16
  Speaker 4: so he gets like a fair amount of money each
• 15:19
  Speaker 4: month when he gets paid, so he's really saved. He'll
• 15:22
  Speaker 4: just be like, oh, I've got the money.
• 15:25
  Speaker 3: It must be nice. Can you can you just introduce
• 15:28
  Speaker 3: him to me? Oh that sounds bad, but can you
• 15:30
  Speaker 3: introduce him to me? Because I want to set up
• 15:32
  Speaker 3: he is like money in cash flow system, because my goodness,
• 15:35
  Speaker 3: the amount of people that I see in like these
• 15:38
  Speaker 3: mining jobs, which you can probably agree with me, they
• 15:41
  Speaker 3: could last forever, but often people want to tap out
• 15:44
  Speaker 3: but they haven't set themselves up financially well enough to
• 15:47
  Speaker 3: exit the industry, so that they're like stuck on the
• 15:49
  Speaker 3: rat race of mining. Can you tell him to get
• 15:52
  Speaker 3: his budget life together? Please?
• 15:55
  Speaker 4: Yeah, he definitely overdoes it on the over eats, but no,
• 15:59
  Speaker 4: he puts most of his money onto the mortgage, so
• 16:01
  Speaker 4: he's nearly paid it off, so that is not too
• 16:03
  Speaker 4: bad with money.
• 16:05
  Speaker 3: But he's also got high cash flow, so tell me.
• 16:07
  Speaker 3: Obviously he's going to fund it as he is, and
• 16:10
  Speaker 3: you've been saving for it. How bougie is this holiday, Like,
• 16:14
  Speaker 3: how did you make decisions around, Oh, what's a reasonable
• 16:17
  Speaker 3: price to pay for a hotel? Because they've really been
• 16:20
  Speaker 3: adding up or I'm finding that when I'm googling holidays
• 16:22
  Speaker 3: to go on, they're just adding up and hotels are
• 16:25
  Speaker 3: so much more expensive than I like have in my
• 16:27
  Speaker 3: head what they should be. Is that the same for
• 16:29
  Speaker 3: you while planning.
• 16:30
  Speaker 4: Yeah, it's definitely on the price er side, just because
• 16:32
  Speaker 4: we are going over Christmas in years.
• 16:34
  Speaker 3: Oh yeah, you've really decided to ramp it up there.
• 16:38
  Speaker 4: But I already have like booked to them, just not
• 16:41
  Speaker 4: paid for them all yet, but I did go sort
• 16:43
  Speaker 4: of mid range. It is going to be a little
• 16:46
  Speaker 4: bit expensive. But I think we're probably in the next
• 16:49
  Speaker 4: few years looking at having kids, so I'm like, oh, well,
• 16:52
  Speaker 4: you know, it's a big go hard before Yeah.
• 16:55
  Speaker 3: Yeah, go hard, because like I'm telling you right now,
• 16:58
  Speaker 3: I had a baby. Obviously I have two of them.
• 17:01
  Speaker 3: We traveled to Europe with my son when he was
• 17:03
  Speaker 3: four months old, and that was incredible, But right now
• 17:06
  Speaker 3: here's two and there is absolutely no chance I'm getting
• 17:09
  Speaker 3: on an international flight with a two year old and
• 17:11
  Speaker 3: I don't know how long that's gonna last. And like
• 17:13
  Speaker 3: it's a season. I'm not mad about it, but like, yes,
• 17:16
  Speaker 3: live it up right now because when they're teeny tiny,
• 17:19
  Speaker 3: little sweet potatoes who can't move, holidaying with them is easy.
• 17:23
  Speaker 3: But once they have little opinions, absolutely not, once they
• 17:26
  Speaker 3: can run, absolutely not. I'm telling you right now, I
• 17:29
  Speaker 3: do not. Yeah, I do not want to just parent
• 17:32
  Speaker 3: overseas like that would not be a holiday for me.
• 17:35
  Speaker 3: It would be wasted.
• 17:37
  Speaker 4: Yeah, exactly. It's been a hard work.
• 17:39
  Speaker 3: Yeah exactly. So I feel like you've got your head
• 17:41
  Speaker 3: screwed on their money. Dos. Let's go to a really
• 17:43
  Speaker 3: quick break because on the flip side, I want to
• 17:46
  Speaker 3: ask you a little bit more about this ninety thousand
• 17:48
  Speaker 3: dollars in savings, because that's incredibly impressive your investments, your debts,
• 17:52
  Speaker 3: and your personal insurance. So don't go anywhere, all right,
• 17:58
  Speaker 3: money dives. Do we back ninety grand in saving? God,
• 18:03
  Speaker 3: that's hectic. How did you get that much money in savings?
• 18:08
  Speaker 3: After saying I just I wasn't very good at money
• 18:11
  Speaker 3: and now I'm thirty one, queen, what.
• 18:15
  Speaker 4: Well, I'm not quite there yet. I want to be
• 18:16
  Speaker 4: at ninety by the end of the year. So it's
• 18:19
  Speaker 4: currently at sixty.
• 18:20
  Speaker 3: Okay, but okay, like reframe, it's at sixty so you've
• 18:24
  Speaker 3: got more than ten grand in savings. Like when you said, oh,
• 18:26
  Speaker 3: I just I've started saving, I just fully expected you
• 18:30
  Speaker 3: to be like, look, bebe you know, I've just really
• 18:32
  Speaker 3: started and I've got my first five grand in savings,
• 18:35
  Speaker 3: which would also be impressive, But you blew that out
• 18:38
  Speaker 3: of the water. How did you change your mindset so
• 18:41
  Speaker 3: dramatically to have such a large sum.
• 18:44
  Speaker 4: I've been trying to get behind like the under consumption
• 18:47
  Speaker 4: videos and things on TikTok because I definitely had a
• 18:51
  Speaker 4: spending problem, so very fair. Yeah, that's definitely helped a lot,
• 18:54
  Speaker 4: trying to shift my mind from like spending all my money,
• 18:58
  Speaker 4: so I think that makes me thing for me is
• 19:00
  Speaker 4: just like not spending so much money on clothes and things.
• 19:04
  Speaker 3: It's kind of humbling, isn't it When you fall onto
• 19:06
  Speaker 3: like that side of content and you're like, hey, like
• 19:09
  Speaker 3: these girls might be onto something. One of my team
• 19:11
  Speaker 3: members Brook you might have seen her on socials. She
• 19:14
  Speaker 3: does a lot of content like that and I'm just obsessed.
• 19:17
  Speaker 3: But even in our team group chat, she'll be like
• 19:20
  Speaker 3: literally who she is online is who she is in
• 19:23
  Speaker 3: person and she'll be like, guys, this is on sale
• 19:26
  Speaker 3: or hey, guys, I've been thinking about this top for
• 19:28
  Speaker 3: a month. Should it be my like one purchase of
• 19:30
  Speaker 3: the month, And we're all just like so behind her.
• 19:33
  Speaker 3: So when you fall into that, do you find that
• 19:35
  Speaker 3: your friends have started embracing that type of lifestyle as
• 19:38
  Speaker 3: well and being like oh yeah, queen get it?
• 19:40
  Speaker 4: Yeah?
• 19:41
  Speaker 3: Definitely obsessed?
• 19:42
  Speaker 4: All right?
• 19:43
  Speaker 3: Tell me about investing. Is that something that you've dabbled in?
• 19:47
  Speaker 3: Is that something that you do? If not, why not?
• 19:50
  Speaker 4: Yeah, And I've started investing. I started with the five
• 19:53
  Speaker 4: dollars from you with the chacas app.
• 19:55
  Speaker 3: You started with the five dollars from the chasas app,
• 19:57
  Speaker 3: which I think some money win.
• 19:59
  Speaker 4: Yeah, I was good and yeah, just started on there.
• 20:03
  Speaker 4: I think I have two and a half thousand dollars
• 20:05
  Speaker 4: in there now. I think I'm going to go more
• 20:07
  Speaker 4: aggressive on that once I get to my savings goal.
• 20:12
  Speaker 3: Yeah that's fair.
• 20:13
  Speaker 4: I can tell you what it's invested in as well.
• 20:16
  Speaker 3: I would love the nitty gritty. I feel like some
• 20:18
  Speaker 3: people are like, oh, I just have two and a
• 20:19
  Speaker 3: half grand invested, and I'm like, Cuen, we want to
• 20:22
  Speaker 3: know the nitty gritty this is anonymous. What if you.
• 20:24
  Speaker 4: Picked Vanguard is one of them, the Australian Vanguard, I've
• 20:28
  Speaker 4: got Commonwealth NDQ, and then just a random rogue one
• 20:34
  Speaker 4: which is h l I Insurance Company or something.
• 20:39
  Speaker 3: What made you pick that?
• 20:41
  Speaker 4: I don't know.
• 20:42
  Speaker 3: You were just like, this is a good idea. I
• 20:44
  Speaker 3: love it.
• 20:44
  Speaker 4: Yeah, well it was one of the first ones. And
• 20:46
  Speaker 4: then I just was like, I don't know why I picked.
• 20:48
  Speaker 3: That, but that's okay. It's just part of the journey
• 20:52
  Speaker 3: when it came to picking. I guess NDP and Commonwealth
• 20:55
  Speaker 3: with they more strategic decisions or were they also think
• 20:58
  Speaker 3: that you were like, oh, they feel right, I'm just
• 21:00
  Speaker 3: going to pop them in and see how I go.
• 21:02
  Speaker 4: Commonwealth, I can't really remember the thought process behind that,
• 21:05
  Speaker 4: but with the NDQ, whe I listened to like a
• 21:07
  Speaker 4: lot of information about that and stuff first and did
• 21:10
  Speaker 4: a bit of research on it. So same with the Vanguard.
• 21:13
  Speaker 3: Very cool. And once you hit your ninety grand in savings,
• 21:17
  Speaker 3: what do you think you'll invest more in? Are you
• 21:19
  Speaker 3: going to go more down like the Vanguard to ETF
• 21:21
  Speaker 3: route and holding that or are there going to be
• 21:23
  Speaker 3: more individual shares like have you thought about the strategy
• 21:26
  Speaker 3: behind it, not.
• 21:27
  Speaker 4: Too much of this stage, but I think it would
• 21:28
  Speaker 4: probably be a more etf focus than individual shares. Love.
• 21:32
  Speaker 3: Now, tell me about debt. Do you have any debt?
• 21:35
  Speaker 3: Have you had any debt? What is that part of
• 21:37
  Speaker 3: your life?
• 21:38
  Speaker 4: Like? Yeah, so I had a car loan, but before
• 21:41
  Speaker 4: my money mind shift like changed, I wasn't even like
• 21:44
  Speaker 4: I was paying off the bare minimum of that. And
• 21:47
  Speaker 4: because when I started with a car loan, I was
• 21:49
  Speaker 4: working in hospitality, so I think my payments were like
• 21:52
  Speaker 4: eighty dollars a fortnight, which wasn't great looking back at
• 21:56
  Speaker 4: it now, I would have paid a lot of interest
• 21:58
  Speaker 4: on that. I think it was at like seven percent
• 22:01
  Speaker 4: or something the interest, and it took me like I
• 22:05
  Speaker 4: think it was like six seven years to pay off.
• 22:08
  Speaker 4: And then obviously as soon as my mindset changed and
• 22:11
  Speaker 4: just went and wiped that off.
• 22:13
  Speaker 3: Good girl. But at the same time, like when you
• 22:16
  Speaker 3: went and got a personal loan or you got a
• 22:18
  Speaker 3: car loan, I just feel like the marketing, the way
• 22:21
  Speaker 3: it's positioned to you, it's not hey, money diarist, like
• 22:25
  Speaker 3: eighty dollars is the bare minimum. You're meant to be
• 22:27
  Speaker 3: paying more to get ahead. They don't say that. They say,
• 22:30
  Speaker 3: oh girl, it's only going to cost you eighty dollars
• 22:33
  Speaker 3: a fortnight, and you go, oh, I've spent more or
• 22:35
  Speaker 3: less that It was fine, No worries. Like, they don't
• 22:38
  Speaker 3: tell you what you should be doing to put yourself
• 22:40
  Speaker 3: in the best possible position. They tell you what you
• 22:42
  Speaker 3: should be doing to maximize their profit, and that once
• 22:46
  Speaker 3: you learn that really annoys me.
• 22:49
  Speaker 4: I actually wanted to do more, but they told me
• 22:52
  Speaker 4: because I was in a casual hospol job, they wouldn't recommend. Oh.
• 22:56
  Speaker 3: I was just like, okay, oh, no worries, you must
• 22:58
  Speaker 3: be the experts here. Don't do that. We wouldn't want
• 23:01
  Speaker 3: to put you out. They made you spend more because
• 23:05
  Speaker 3: you were in a casual hospo job. It's even arguably
• 23:08
  Speaker 3: more important to get rid of it sooner because you
• 23:10
  Speaker 3: were paying more interests.
• 23:11
  Speaker 4: Exactly.
• 23:12
  Speaker 3: I am salty at them, all right, So that's gone.
• 23:15
  Speaker 3: Have you got any other types of debt?
• 23:17
  Speaker 4: I did a UNY degree, so I've got hex. I
• 23:20
  Speaker 4: think that's sitting around thirty now.
• 23:23
  Speaker 3: And is your unique degree something that you use now
• 23:26
  Speaker 3: for recruitment?
• 23:27
  Speaker 4: No, it's not necessary to have a degree for recruitment,
• 23:31
  Speaker 4: but I'm sure it helped me like get positions.
• 23:33
  Speaker 3: But yes, one hundred what did you do at UNI Major? Yeah,
• 23:38
  Speaker 3: that definitely would help you in the recruitment space, like
• 23:40
  Speaker 3: one thousand percent. I know they looked at your resume
• 23:43
  Speaker 3: and they're like, oh, she's going to know what's up
• 23:44
  Speaker 3: and how to ask the good questions and see what's
• 23:47
  Speaker 3: going on. Money darist, you are thirty one and you
• 23:50
  Speaker 3: own a one hundred and thirty grand ish a year.
• 23:53
  Speaker 3: Tell me what personal insurances have you set up?
• 23:56
  Speaker 4: Haven't done the personal insurances yet?
• 23:59
  Speaker 3: Cheeky of you've listened to a lot of podcast Is
• 24:01
  Speaker 3: it something that is on your radar? Not on your radar? Like,
• 24:04
  Speaker 3: tell me a bit more about that side.
• 24:06
  Speaker 4: Yeah, it's definitely on the agenda. I'll probably look at
• 24:09
  Speaker 4: doing it with my partner, so we're both I'm not
• 24:12
  Speaker 4: sure if he has it, but just like go through
• 24:15
  Speaker 4: it and have that chat. We just currently have a housemate,
• 24:19
  Speaker 4: so I'm kind of waiting for him to move out
• 24:21
  Speaker 4: before we sort of like go through like everything in
• 24:25
  Speaker 4: our lives because we want to buy a whole bunch.
• 24:28
  Speaker 4: He kind of has like a you know, bachelor's pad,
• 24:30
  Speaker 4: vibe in terms of like the furniture and stuff. So
• 24:33
  Speaker 4: I want to like work out a plan of like
• 24:36
  Speaker 4: what we're going to do with everything like that, and
• 24:38
  Speaker 4: then I'll sit down.
• 24:39
  Speaker 3: And just do a whole financial life cleanse, reset, and
• 24:43
  Speaker 3: be like, Okay, what are we as a couple doing
• 24:46
  Speaker 3: moving forward?
• 24:47
  Speaker 4: Yeah, exactly like our plan is a couple. So it's
• 24:50
  Speaker 4: definitely going to include the personal insurances for sure.
• 24:52
  Speaker 3: Yeah, for sure. All right, tell me, I feel like
• 24:56
  Speaker 3: you've been gas lighting yourself, like low key, You're like
• 24:59
  Speaker 3: a weapon. You're like, I'm just to bee. But tell
• 25:01
  Speaker 3: me what do you think your best money habit is,
• 25:04
  Speaker 3: because I feel like there's going to be a good
• 25:05
  Speaker 3: one here.
• 25:06
  Speaker 4: Yeah. It would probably be a being able to actually
• 25:09
  Speaker 4: be set and treat my savings like a rent type
• 25:13
  Speaker 4: of payment and just automative payment into my savings. So
• 25:17
  Speaker 4: it kind of means that I'm just left with what
• 25:19
  Speaker 4: I have to spend and so of not going over that,
• 25:22
  Speaker 4: which is good.
• 25:23
  Speaker 3: If we went back and we talked to pass you
• 25:26
  Speaker 3: and said you automate your cash, now, do you think
• 25:29
  Speaker 3: that she would think that was restrictive or do you
• 25:32
  Speaker 3: think that she would think that was crazy or like
• 25:34
  Speaker 3: would she say, yeah, we needed that.
• 25:36
  Speaker 4: Yeah, I don't know. I probably would be like, I'm
• 25:38
  Speaker 4: not going to be able to like be able to
• 25:40
  Speaker 4: live if I did that back then, So I'd probably
• 25:42
  Speaker 4: would have been like it would have stressed me out,
• 25:44
  Speaker 4: like not feeling like I have money to fall back on.
• 25:47
  Speaker 4: But obviously now because I do have that emergency fund,
• 25:49
  Speaker 4: if something does come along, then I can go into that,
• 25:52
  Speaker 4: not my savings.
• 25:53
  Speaker 3: So yes, so fair, tell me, did you prioritize your
• 25:57
  Speaker 3: emergency fund or your savings first, like you can all
• 26:00
  Speaker 3: the egg.
• 26:00
  Speaker 4: I started the emergency fund first, but it wasn't much
• 26:04
  Speaker 4: at the beginning, like it was just fifty dollars a week,
• 26:07
  Speaker 4: and then I was like, oh, I could probably start
• 26:09
  Speaker 4: a savings account as well. I just thought that emergency
• 26:12
  Speaker 4: fund was like it was more important to have that
• 26:14
  Speaker 4: to fall back on if anything happened. And then obviously
• 26:17
  Speaker 4: savings was the property was in the in my mind
• 26:21
  Speaker 4: at that point, so I was like, okay, well we
• 26:23
  Speaker 4: need to do that too.
• 26:24
  Speaker 3: Yeah, one hundred percent. And I feel like that sets
• 26:27
  Speaker 3: up really good money habits because if you are somebody
• 26:31
  Speaker 3: who's been I guess, living week to week and that
• 26:33
  Speaker 3: doesn't necessarily mean that you don't have enough money. It
• 26:36
  Speaker 3: just means that you've been spending it all. But if
• 26:38
  Speaker 3: you are in that situation, it feels restrictive to start saving.
• 26:42
  Speaker 3: But then it also feels good once you have an
• 26:44
  Speaker 3: emergency fund that you can fall back on things and
• 26:47
  Speaker 3: be like, oh, I actually did save for that, and
• 26:50
  Speaker 3: I can, you know, not go into financial distress over this.
• 26:54
  Speaker 3: But then it also sets up this really great money
• 26:56
  Speaker 3: habit that you don't dip into your savings to pay
• 26:59
  Speaker 3: for things. And like, now do you feel like that
• 27:02
  Speaker 3: money you said there was about sixty grand sitting in
• 27:04
  Speaker 3: your savings, do you feel like I cannot touch that,
• 27:07
  Speaker 3: like that is not mine to touch unless we're doing
• 27:09
  Speaker 3: property stuff, or do you maybe dabble a little bit?
• 27:13
  Speaker 4: Yeah? No, I don't actually tend to take much out
• 27:15
  Speaker 4: of my savings. I have done in the past if
• 27:18
  Speaker 4: like maybe sometimes I forget about a payment or something,
• 27:22
  Speaker 4: so occasionally I've taken something out of there, but it's
• 27:25
  Speaker 4: I'm pretty consistent with keeping it in there.
• 27:28
  Speaker 3: I love it. Tell me what is your worst money habit?
• 27:31
  Speaker 4: Definitely convincing myself that experiences don't count spending, Like I've
• 27:37
  Speaker 4: been pretty bad lately. There's been a couple of concerts
• 27:40
  Speaker 4: and festivals and things that I've sent money on, and
• 27:44
  Speaker 4: we're going down south to like Wineries region for my birthday,
• 27:48
  Speaker 4: so pay for that recently as well.
• 27:51
  Speaker 3: Do you know what, it sounds like you're doing pretty
• 27:52
  Speaker 3: well regardless. So if that's your worst money habit, like Queen,
• 27:56
  Speaker 3: live it up, I think that that's working quite well
• 27:58
  Speaker 3: for you. At the start of this episode, you said,
• 28:01
  Speaker 3: b I think I'm a B. I didn't used to
• 28:03
  Speaker 3: be a bee, you know, I've come so far, but
• 28:05
  Speaker 3: now I'm a bee. Queen, What does an A look
• 28:09
  Speaker 3: like then, because I feel like you're in such a
• 28:12
  Speaker 3: good position for someone who's only thirty one.
• 28:15
  Speaker 4: Yeah, I think maybe like to get myself up to
• 28:18
  Speaker 4: an A. Obviously, look at the personal insurances. And also
• 28:23
  Speaker 4: I'm currently putting fifty dollars of my Page Fortnite into
• 28:26
  Speaker 4: my Super.
• 28:27
  Speaker 3: Oh see, that's good.
• 28:29
  Speaker 4: I'd like to do a little bit more than that,
• 28:31
  Speaker 4: So just trying to build up that super a little
• 28:34
  Speaker 4: bit more as well.
• 28:35
  Speaker 3: We didn't touch on your super before. When we look
• 28:38
  Speaker 3: at your super account, what's sitting in there about seventy Okay,
• 28:41
  Speaker 3: so you're doing quite well for your age as well,
• 28:43
  Speaker 3: but you really want to kind of turbocharge that and
• 28:45
  Speaker 3: see it grow or are you feeling behind? Like why
• 28:49
  Speaker 3: is contributing to SUPER important at this point?
• 28:51
  Speaker 4: Yeah, I just want to obviously make sure that I
• 28:54
  Speaker 4: am set up for retirement. I think people don't really
• 28:58
  Speaker 4: like realize the value that. And also this next year
• 29:02
  Speaker 4: I've taken on like additional work and stuff, so I
• 29:05
  Speaker 4: think it will be above the next tax bracket and everything.
• 29:09
  Speaker 4: So just want to probably when I get bonuses, put
• 29:12
  Speaker 4: that into my SUPER so I don't get taxed as much.
• 29:16
  Speaker 3: Yeah, it makes me. I mean, just to give a
• 29:18
  Speaker 3: little bit of context because when we talk about SUPER,
• 29:20
  Speaker 3: I love to give contexts because so many of us go, oh,
• 29:22
  Speaker 3: I've only got seventy grand girl, You've got so much,
• 29:25
  Speaker 3: But the average balance of a thirty year old woman
• 29:28
  Speaker 3: in Australia is between forty four and fifty eight thousand dollars.
• 29:32
  Speaker 3: Has you taking some time out of the workforce, because
• 29:35
  Speaker 3: you know, you said before at some point my partner
• 29:37
  Speaker 3: and I want to have kids, and you know we're
• 29:39
  Speaker 3: obviously going to go on this beautiful holiday before then,
• 29:42
  Speaker 3: have you thought about your superannuation plan during that period
• 29:45
  Speaker 3: of time.
• 29:46
  Speaker 4: Yeah, so obviously that's the thing that concerns me coming
• 29:49
  Speaker 4: from like the mindset that I have, Like I'm very
• 29:52
  Speaker 4: much like it sounds bad, not against men or something,
• 29:55
  Speaker 4: but like a bit distrusting, like of like, yeah, you
• 29:58
  Speaker 4: know someone turning around, like if you go on maternity
• 30:01
  Speaker 4: leave and like, oh, one, I'm making money and you're
• 30:04
  Speaker 4: not really making much money type of situation. So I
• 30:08
  Speaker 4: think it's been really important for me to kind of
• 30:10
  Speaker 4: like make sure that I will be contributing to that still.
• 30:13
  Speaker 4: So yeah, ideally be in a position where I get
• 30:16
  Speaker 4: super from like my employer. But I think they're changing
• 30:20
  Speaker 4: that super thing at the moment, aren't they.
• 30:23
  Speaker 3: Yeah, there are heaps of changes coming in and that
• 30:25
  Speaker 3: your parental leave will have like minimum subranuation payments on it.
• 30:29
  Speaker 3: But it's always a really good conversation to have now,
• 30:32
  Speaker 3: because I don't think you and your partner are ready
• 30:35
  Speaker 3: for that conversation, not in a bad way, just in
• 30:37
  Speaker 3: a you said, look, we're going on a holiday. My
• 30:39
  Speaker 3: partner actually lives in a bit of a like a
• 30:41
  Speaker 3: man cave vibe house, Like I just don't think talking
• 30:44
  Speaker 3: about hey, when we have babies. Are we going to
• 30:47
  Speaker 3: be contributing like together to my super? That can come later,
• 30:51
  Speaker 3: but it's nice to have those thoughts in your head
• 30:53
  Speaker 3: about what that looks like, because I actually.
• 30:56
  Speaker 4: Talked about oh you have Yeah, yeah, I'm very like,
• 30:59
  Speaker 4: I'm like, oh, what's my super going to look like?
• 31:02
  Speaker 4: And all that sort of stuff, So we definitely have
• 31:04
  Speaker 4: had conversations around it. Yeah. Yeah.
• 31:06
  Speaker 3: And is he open to the idea that contributing to
• 31:09
  Speaker 3: your super well you're on leave would be a constructive
• 31:12
  Speaker 3: thing to do.
• 31:13
  Speaker 4: Yeah, definitely.
• 31:14
  Speaker 3: I'm obsessed. And also I'm gonna like make a grand
• 31:17
  Speaker 3: assumption that because he's in mining, he probably has a
• 31:20
  Speaker 3: really nice super account himself, so it kind of makes
• 31:22
  Speaker 3: sense to make that more equitable money. Diarist like, I
• 31:25
  Speaker 3: don't want to argue with you, but I do think
• 31:27
  Speaker 3: that you're higher than a b I feel like you're
• 31:30
  Speaker 3: just looking at things and going, oh, but there's so
• 31:32
  Speaker 3: much to do in the future, but like, right now,
• 31:34
  Speaker 3: you've got all your ducks in a row. So I
• 31:36
  Speaker 3: would say that is a type behavior. But I also
• 31:38
  Speaker 3: don't want to make you go, oh, I'm an a
• 31:41
  Speaker 3: if that's not aligning to your values. But my Queen,
• 31:45
  Speaker 3: this has been so good. Like, what do you mean
• 31:47
  Speaker 3: You've gone from being somebody who said, you know, I
• 31:50
  Speaker 3: didn't really have a lot of confidence with money. I
• 31:52
  Speaker 3: used to worry about every single dollar and now I'm
• 31:54
  Speaker 3: like aggressively saving and investing and I'm going to go
• 31:57
  Speaker 3: on a dream holiday. And you know, my money story
• 32:00
  Speaker 3: isn't perfect, but you know what it is. It's constructive
• 32:02
  Speaker 3: and I'm learning to build wealth. Like, girl, I could
• 32:05
  Speaker 3: not ask for more from somebody in your position, And like,
• 32:10
  Speaker 3: you've got sixty grand in your savings and you're projecting
• 32:12
  Speaker 3: that in the next what less than six months, you're
• 32:16
  Speaker 3: going to add another thirty grand to that. That is
• 32:19
  Speaker 3: elite behavior. Like I am just so excited for you
• 32:23
  Speaker 3: to achieve that. Can you please message me when that happens, Like,
• 32:27
  Speaker 3: I'm just I'm so excited for you, and I'm just
• 32:29
  Speaker 3: so excited that we've got to share this story on
• 32:32
  Speaker 3: the podcast and that my community get to hear it
• 32:34
  Speaker 3: or our community get to hear it. So it's been
• 32:36
  Speaker 3: a pleasure. Thank you so much, thanks for having me
• 32:39
  Speaker 3: appreciate it.
• 32:45
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  Speaker 2: Victoria Divine and She's on the Money are authorized representatives
• 33:10
  Speaker 2: of money sherper P T y L t D A
• 33:12
  Speaker 2: b N three two one six four nine two seven
• 33:15
  Speaker 2: seven zero eight AFS L four five one two eight
• 33:19
  Speaker 2: nine