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MONEY DIARIES: 27 and not conforming · She's On The Money

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Speaker 1: She's on the Money. She's on the Money.
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Speaker 2: Hello, and welcome to She's on the Money, the podcast
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Speaker 2: for millennials who want financial freedom. Today's money diarist is
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Speaker 2: called twenty seven and not Conforming V. You've got the
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Speaker 2: email there.
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Speaker 3: I don't want to buy a house, or get married,
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Speaker 3: or have kids or anything they told us to want
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Speaker 3: as a woman approaching thirty, same girl, I am also
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Speaker 3: approaching thirty very quickly. Maybe one day I'll want those things.
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Speaker 3: They sound lovely, but I've always felt a little different
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Speaker 3: to everybody else. My savings goals were and still are,
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Speaker 3: towards a life of travel and adventure, not a house deposit.
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Speaker 3: I live in a world where the normal thing to
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Speaker 3: do is throw thousands of dollars at a house that
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Speaker 3: you're locked into paying for over at least the next
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Speaker 3: twenty years. I've worked in hospitality ever since I was fifteen.
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Speaker 3: Tried un courses, I've tried regular sales jobs. I've tried
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Speaker 3: to be normal in quotation marks, but it doesn't seem
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Speaker 3: to last. I'm a creative, I'm an aspiring photographer, and
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Speaker 3: I'm perfectly happy pouring beers for twenty six to thirty
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Speaker 3: six dollars an hour and learning to become financially literate
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Speaker 3: after years of living paycheck to paycheck. Over twenty twenty,
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Speaker 3: I reassess my goals and values to be really more
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Speaker 3: responsible with money and true to myself with travel as
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Speaker 3: a goal in mind. I've really turned around my bank
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Speaker 3: accounts and flippancy towards money. Now I have a greater
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Speaker 3: understanding of how to make my money work for me
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Speaker 3: and understanding my limits instead of the constant stress of
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Speaker 3: falling behind everybody else. How cool is that?
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Speaker 2: Real cool?
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Speaker 3: I love that?
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Speaker 2: Right twenty seven and not conforming welcome to She's on
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Speaker 2: the money? Hello, does that sound about right?
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Speaker 1: We have?
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Speaker 3: I'm sure that's her email?
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Speaker 1: She wrote, that's all right.
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Speaker 2: Well, we've got our questions that we always go to,
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Speaker 2: so quickly go through those, and then we have lots
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Speaker 2: more questions about question. I feel like a lot of
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Speaker 2: people will be nodding along being like I feel that,
2:07
Speaker 2: I feel.
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Speaker 3: That, and I just think it's about time we had
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Speaker 3: a money Diris that wasn't saving her house deposit. Whilst
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Speaker 3: it is definitely something that lots of people in our
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Speaker 3: community want, I also just really want to know about
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Speaker 3: your travel goals and where you want to do. But
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Speaker 3: I'll ask the questions first. All right, okay, okay, first
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Speaker 3: question first, what is your attitude towards money and how
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Speaker 3: has it changed recently?
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Speaker 1: Oh, it was a little bit too flippant. I was
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Speaker 1: very prilvished to grow up not really having to worry
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Speaker 1: about money. But now, obviously, as I've lived in the
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Speaker 1: sharehouse for the last few years, and obviously being you know,
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Speaker 1: much more of an adult, I'm much more stingy. To
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Speaker 1: be honest, I really understand the value of money and
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Speaker 1: what things can get you. And you know the value
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Speaker 1: of buying two hundred dollars booits compared to ten dollar
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Speaker 1: piece of crap. This is going to fall apart every season.
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Speaker 1: You know, really understood value of money over everything.
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Speaker 3: I really love that, and you mentioned it in your email.
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Speaker 3: But what do you do for work and how much
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Speaker 3: do you earn?
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Speaker 1: I am a far tender. I work at a craft brewery. Fancy, yeah,
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Speaker 1: and I get basically twenty six an hour. It's like
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Speaker 1: award rate, so it like changes if you're on nights
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Speaker 1: and stuff, and you get more for a weekend, public
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Speaker 1: holidays and stuff. So I just got a really nice
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Speaker 1: paycheck having you work to the east.
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Speaker 2: Weekends a big, long, juicy long weekend. Thank you very much,
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Speaker 2: thank you.
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Speaker 3: Time and a half. Yeah, how do you feel about investing?
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Speaker 3: Do you currently invest I.
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Speaker 1: Do, and it's all your fault.
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Speaker 3: Yes, I'd love when people blame me for stuff.
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Speaker 1: So I had no idea probably still have no idea
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Speaker 1: about investing in stock market and all lots of stuff.
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Speaker 1: It's all still jibbish to me. Numbers makes no sense
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Speaker 1: to my brain. But after all, like the investment episodes
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Speaker 1: and raised and spaceships and stuff that you guys talk about,
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Speaker 1: I ended up just like opening a raids accounts, Like
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Speaker 1: what's the harm? It's like only small amount of money,
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Speaker 1: and yeah, now I have a pretty decent amount in
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Speaker 1: this that I wouldn't have had had I not have
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Speaker 1: just like opened it.
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Speaker 2: But yeah, oh how cool.
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Speaker 3: I love it people blaming me for their investment journeys.
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Speaker 3: I'll take all the blame, Thank you, guys. My next
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Speaker 3: question is do you currently have any debts and if
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Speaker 3: you do, what are they? And i'd also link to
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Speaker 3: know how you feel about date in general.
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Speaker 1: I have a hex stirt and no like degree to
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Speaker 1: make it worth it. Yeah, I have about like, oh,
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Speaker 1: I think it's probably like thirteen or fifteen thousand dollars,
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Speaker 1: I think as they.
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Speaker 3: Look arguably not the worst text it, but still not trading.
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Speaker 1: But it's literally just like an amount that have to
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Speaker 1: pay back for something that I never finished, which sounds
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Speaker 1: really like just bad, but like I went to UNI
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Speaker 1: straight out of school because like that's what you had
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Speaker 1: to do, right, and I didn't want to continue it.
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Speaker 1: And now I just have a hex from like a
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Speaker 1: couple of units that I, you know, just battled on essentially.
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Speaker 3: Oh, but that's okay. I feel like that's actually a
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Speaker 3: really relatable thing to have, right, Like so many people
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Speaker 3: are in that exact situation.
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Speaker 2: My wife, Bridget is one not even subject one report
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Speaker 2: short of her degree and just never handled in that
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Speaker 2: one report. Dude, that's so much.
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Speaker 3: What are you doing? Bridge?
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Speaker 2: Well, she already had a job and she's like it
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Speaker 2: didn't matter. I'm like, yeah, but would you just do it?
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Speaker 2: And then you've got it? Irks me ten years on
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Speaker 2: since she hasn't handed that thing in.
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Speaker 3: Wait, so she could go hand it in and get it.
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Speaker 2: Well, a few years later she like followed up, They're like, yeah,
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Speaker 2: as long as you do your assessment and pass it
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Speaker 2: in like and she's then started and then didn't finish it.
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Speaker 3: Oh gosh, I kind of love that for her. Anyway,
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Speaker 3: Let's get back to our money darist. Sorry bridge, just
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Speaker 3: a short intermission of sight under a quick bus. Yeah,
5:52
Speaker 3: quick bus. Now we're back on the road. What is
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Speaker 3: your best money habit?
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Speaker 1: Ooh, I'm not very well behaved. I don't really I
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Speaker 1: don't shop like I op shot and I have to
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Speaker 1: really love it to buy it, you know, like to
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Speaker 1: the point of there were these pair of boots that
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Speaker 1: I wanted like oh months ago, and I kept looking
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Speaker 1: at them, and I kept getting like my ads and
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Speaker 1: everything on my side of Facebook and everything about these foods.
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Speaker 1: It took me months and then I finally bought them.
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Speaker 1: So I'll sit on something for a very long time.
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Speaker 3: It's definitely to put more than twenty four hours between
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Speaker 3: you and your spending. Yeah, good on that. What is
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Speaker 3: your worst money habit?
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Speaker 1: Food? I love food really and I love like going out,
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Speaker 1: like I am hospitality for on through so like I
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Speaker 1: will go a beautiful cafe down the road, and I
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Speaker 1: spend way too much money there.
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Speaker 2: You take your money from hospitality, You give your money
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Speaker 2: to hospitality and.
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Speaker 3: That is the circle of hospital life.
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Speaker 2: Yeah, exactly.
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Speaker 3: And I love that though, because good food it just
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Speaker 3: makes you happy, Like food is life. Anyway, what is
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Speaker 3: your big money goal that you're currently working towards?
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Speaker 1: Just life? I guess always saved when I was younger,
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Speaker 1: it was always like saving for like my euro trips
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Speaker 1: and stuff. That makes me sound like really booty, but
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Speaker 1: I literally like saved up together on a big euro
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Speaker 1: trip when I was like twenty one, and it was amazing.
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Speaker 3: Questions, But.
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Speaker 1: Yeah, like just always like have a chunk of money
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Speaker 1: put away, like I can do something if I want
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Speaker 1: to sort of thing.
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Speaker 3: Yeah, that is cool, That is really cool.
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Speaker 1: Yeah.
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Speaker 3: So when it comes to giving yourself a grade, what
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Speaker 3: would you give yourself as a grade if I forced
7:29
Speaker 3: you to give yourself one?
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Speaker 1: Maybe considering where I was, maybe like a s mine?
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Speaker 3: Oh yeah, oh yeah not bad. Look, I don't think
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Speaker 3: it's that bad. But I feel like you kind of
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Speaker 3: have a lot of your goals and values in line
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Speaker 3: and you genuinely know what you want, which makes me
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Speaker 3: think that you're probably a little bit better off at that.
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Speaker 3: Then you're giving yourself credit for my friend, thank you,
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Speaker 3: how did.
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Speaker 2: You describe the contrast between where you were a few
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Speaker 2: years ago to where you are now?
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Speaker 1: Massive? I was very much living paycheck to paycheck. I
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Speaker 1: was like freaking out about trying to make my rent
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Speaker 1: and everything. I had like no money to like play with.
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Speaker 1: And now you know, I've got like a raising vesting account.
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Speaker 1: I've got, you know, a large chunk of money put away.
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Speaker 1: I am contributing to my super every week. I yeah,
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Speaker 1: I am a lot more twitched on.
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Speaker 2: And how does that make you feel?
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Speaker 3: Like?
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Speaker 2: Do you feel two inches taller and your shoulders are
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Speaker 2: a bit broader and you know, like you I feel
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Speaker 2: like I can hear it in your voice.
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Speaker 1: Yeah, it's it's nice. I'm not like drowning. I'm not
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Speaker 1: like lost. I know what I'm doing kind of.
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Speaker 3: And then she gave herself a C minus. What do
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Speaker 3: you do with my friend?
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Speaker 2: C minus or be minus?
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Speaker 3: Didn't you see? Oh Bridget B for Bridget I see,
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Speaker 3: And I was just like, wow, that's so harsh, Like
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Speaker 3: that's a bit rough, Like I thought you were so
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Speaker 3: much better than that. B minus. That's pretty good. Got
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Speaker 3: some room to grow. But if my kids, all my
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Speaker 3: future kids came home with that I'd be like, yeah,
9:04
Speaker 3: it's pretty good, pretty good, not bad. All right. So
9:07
Speaker 3: we have so many questions for you, but we will
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Speaker 3: get to those in a very quick second. I love
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Speaker 3: your money diary because I just feel like it's a
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Speaker 3: little bit more relatable to a lot of the people
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Speaker 3: in our community that have been saying things like, oh,
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Speaker 3: like I actually don't want a house, like I just
9:28
Speaker 3: want to travel. How did you decide that that wasn't
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Speaker 3: a priority for you given society's pressures that really feel
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Speaker 3: like they do weigh down on you.
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Speaker 1: I think it probably has a lot to do with my opbringing.
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Speaker 1: I remember as a kid, you know, I get in
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Speaker 1: my hands on my dad's passport and it was every
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Speaker 1: page was filled, it was stamped everywhere. He traveled a
9:52
Speaker 1: lot for work and stuff like that, and I always
9:55
Speaker 1: had a lot of stories, and you know, I just
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Speaker 1: always wanted to travel, Like it sounded amazing and it
10:02
Speaker 1: looked amazing. And I guess like from a family point
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Speaker 1: of view, like we didn't have to or at least
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Speaker 1: in my later teen years, I feel like we didn't
10:10
Speaker 1: have to worry about running and stuff. Like we had
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Speaker 1: a house and it was an house, and it was
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Speaker 1: just like it was. It wasn't a thing that I
10:18
Speaker 1: felt like I needed to aspire to because it's just
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Speaker 1: a thing that was there, you know what I mean?
10:23
Speaker 2: Can I throw a curveball? And I feel like I'm
10:26
Speaker 2: in a similar boat to you in terms of like
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Speaker 2: there's a lot of stuff that like, oh, you're supposed
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Speaker 2: to want this, and I'm like, nah, I don't care.
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Speaker 2: Do you think we don't care about it because we
10:37
Speaker 2: haven't had to care about it because we had it.
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Speaker 1: Yeah, I think definitely. I was in a relationship with
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Speaker 1: the guy that he his family had very little and
10:48
Speaker 1: they rented forever, and all he ever wanted was to
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Speaker 1: just buy a house and have a stability and have
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Speaker 1: the security. And I was kind of in another boat
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Speaker 1: of being incredibly fortunate and lucky to I guess not
11:01
Speaker 1: have to feel like that, I guess, which is, Yeah,
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Speaker 1: it's weird, but it's been great. But it's a funny one.
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Speaker 3: It's a really nice position of privilege, and it's kind
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Speaker 3: of nice that we can talk about it in that
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Speaker 3: way that it's just a part of our money stories. Essentially,
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Speaker 3: it's part of our journey, and our money stories really
11:18
Speaker 3: do shape the thoughts that values, the beliefs what we
11:21
Speaker 3: actually want when it comes to money. So it makes
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Speaker 3: a lot of sense that these types of things, and
11:26
Speaker 3: I'm not trying to stereotype it, but these types of
11:29
Speaker 3: things are the things that millennials now want because you know,
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Speaker 3: our boom are parents. That was the dream for them.
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Speaker 3: Own the house, you know, bring up the kids, do
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Speaker 3: all of that, and we now have had that experience.
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Speaker 3: Well yeah, cool, Like see what that's like. It's you know,
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Speaker 3: travel sounds a little bit more interesting.
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Speaker 1: Yeah.
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Speaker 2: I don't really know if the three of us can
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Speaker 2: answer this question.
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Speaker 3: Okay, well you should definitely ask it on the podcast.
11:53
Speaker 2: The society says we should do this, this, this, this,
11:57
Speaker 2: It's like, who is society? And are they actually saying.
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Speaker 3: That They're not saying that society is.
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Speaker 2: Like or we decide we in our minds just assuming like,
12:06
Speaker 2: you know, are we deciding that that's what society wants?
12:08
Speaker 2: You know what I mean? Because I'm guessing no one's
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Speaker 2: knocking at your door and saying what are you doing with.
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Speaker 3: Your Yeah, but I think it's what the majority of people.
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Speaker 3: When we say society, we mean the majority of people
12:18
Speaker 3: that we experience in our everyday lives, they want houses,
12:22
Speaker 3: they want you know, a car, they want stability that
12:25
Speaker 3: they do, really want to get married and kind of
12:27
Speaker 3: do all of those things that we might deem traditional
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Speaker 3: in a sense. So I think it's not really like society.
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Speaker 3: It's just majority of people still want that and that's
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Speaker 3: not a bad thing, right, Like, that's not a hey,
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Speaker 3: I can't believe they still want the traditional, But I
12:42
Speaker 3: think it's worthy of celebration when people are like, oh, yeah,
12:45
Speaker 3: I don't really want that, sick, tell me about it.
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Speaker 3: What are your goals? Why are they different to mine?
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Speaker 3: But like so beautiful that we can have this conversation
12:52
Speaker 3: and it is so different.
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Speaker 2: What's your thoughts money? Dirist? Is it sometimes just that
12:57
Speaker 2: annoying question that a family gathering that you have to
12:59
Speaker 2: kind of go in explaining yourself y?
13:03
Speaker 1: I honestly I blame Instagram. I actually had to. I
13:06
Speaker 1: deleted Instagram for a chunk of time last year because
13:10
Speaker 1: the algorithm did this thing where all it was giving
13:12
Speaker 1: me was, you know, everyone getting pregnant, everyone getting married,
13:15
Speaker 1: everyone doing all of these things, and you know, everything
13:18
Speaker 1: looks nice and shiny and you know the Instagram look right, Yeah,
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Speaker 1: I get that, Like The only reason I then was like, oh,
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Speaker 1: having a baby would be really nice, all getting married
13:29
Speaker 1: being really nice. The only reason I was thinking that
13:32
Speaker 1: was because of Instagram. So when you take social media
13:35
Speaker 1: out of the mix, it's just sort of like you're
13:36
Speaker 1: living your own life and you know, only really affected
13:40
Speaker 1: by the people around you immediately, as opposed to like,
13:43
Speaker 1: you know, all make from England, who's you know doing
13:46
Speaker 1: this slushy wedding?
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Speaker 2: You know, Like so when you deleted Instagram, say like
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Speaker 2: a few weeks later, did you suddenly feel significantly less
13:53
Speaker 2: pressure to do all those things? Like did it actually
13:56
Speaker 2: have a direct impact like that?
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Speaker 1: Yeah, so much better.
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Speaker 3: I really related it out, Ryan, Yeah, society is Instagram.
14:05
Speaker 2: Yeah, there's the answer to my unanswerable question.
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Speaker 3: Quote Victorian, twenty twenty one.
14:11
Speaker 2: Yeah.
14:11
Speaker 1: Far, it's really hard because it all looks really nice
14:14
Speaker 1: and pretty, but like it's just a look.
14:18
Speaker 3: It is totally just a look. And I was reading
14:20
Speaker 3: something today. I think it was just like a quote
14:22
Speaker 3: on Twitter, which I don't frequent often because Twitter can
14:25
Speaker 3: be a really toxic space. If you're talking about toxic
14:27
Speaker 3: when it comes to social media.
14:29
Speaker 2: The suerats of society.
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Speaker 3: Yeah, they live on Twitter.
14:32
Speaker 2: One of them.
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Speaker 3: You're one of them? Yeah, okay, why are we not
14:35
Speaker 3: surprised at this? But one of the quotes I read
14:38
Speaker 3: was just about how abundant debt is, like you see it,
14:43
Speaker 3: you feel it, but you don't really get to see
14:45
Speaker 3: the financial freedom side of things because you don't get
14:48
Speaker 3: to see in people's bank accounts. But you can see
14:50
Speaker 3: their flashy new cars, you can see the houses they've
14:53
Speaker 3: just bought. You can see the weddings they've arguably financed,
14:56
Speaker 3: their engagement rings that they couldn't arguably afford. But then
14:59
Speaker 3: when you're you know, leaving a bit more lokey, you're
15:02
Speaker 3: saving for bigger goals and stashing it all away, Like
15:05
Speaker 3: that's not as shiny or as pretty, but it should
15:08
Speaker 3: be celebrated even more I think than you know, actually
15:12
Speaker 3: achieving a shiny goal that looks beautiful on Instagram.
15:16
Speaker 2: Yeah. Yeah, random question. They're all random because I feel
15:20
Speaker 2: like there's a bit of a more of a personal
15:23
Speaker 2: philosophy for what's word? Am I trying to say? Me?
15:26
Speaker 2: There you go, thank you.
15:28
Speaker 3: I can leave the podcast now.
15:30
Speaker 2: Someone one said to me, we can all feel a
15:34
Speaker 2: bit lost until we find our spot and we find
15:36
Speaker 2: our people. And I guess my question is do you
15:39
Speaker 2: think maybe one day you'll be traveling and there will
15:42
Speaker 2: be some random job or you'll meet a partner and
15:45
Speaker 2: you'll be in this beautiful spot in the world and
15:46
Speaker 2: you go, oh, actually, I want all those settled down
15:49
Speaker 2: things now because I've found my spot and I've found
15:51
Speaker 2: my people. Or is it a purely I just want
15:55
Speaker 2: to be traveling until the day I die, Like, could
15:57
Speaker 2: there be a chance that your circumstances will change and
16:00
Speaker 2: you'll go, oh, actually, maybe I've.
16:02
Speaker 3: Found Yeah, that's interesting, found my.
16:04
Speaker 2: Settle down spot.
16:06
Speaker 1: Maybe are you?
16:07
Speaker 3: But are you single? At the moment, we didn't ask
16:10
Speaker 3: that much.
16:11
Speaker 1: I am recently single.
16:13
Speaker 3: Do you think your current wants a reflective of your
16:16
Speaker 3: current personal situation? Yeah?
16:19
Speaker 1: I the guy was with absolutely beautiful persons, but we
16:24
Speaker 1: were on different pages, like he hadn't traveled, and he
16:29
Speaker 1: grew up a lot differently, like financially and all that
16:31
Speaker 1: sort of stuff. We're all very, very different. But it
16:35
Speaker 1: was just sort of like I just felt like I
16:37
Speaker 1: needed someone that was kind of on my level in
16:40
Speaker 1: terms of life experience. You know.
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Speaker 2: Yeah, I was with someone when I was twenty four
16:44
Speaker 2: who is like babies get a job forever nine to five,
16:47
Speaker 2: and I was like, I'm alone for that.
16:51
Speaker 1: Yeah, I need like some sense of adventure, you know.
16:54
Speaker 3: I like that. And I think it's actually a really
16:56
Speaker 3: interesting concept because for a very long time I wasn't
16:59
Speaker 3: sure if I wanted children. No, I don't want them
17:03
Speaker 3: right now, just because it turns out I have a
17:05
Speaker 3: lot of work to do and I feel like you
17:07
Speaker 3: might try, and you always I will, I will. But
17:10
Speaker 3: I think it wasn't until I met my current partner
17:12
Speaker 3: that I was like, want your baby's friend. I'm happy
17:16
Speaker 3: to put that on.
17:17
Speaker 2: Was that on the first Tinder message you sent him?
17:19
Speaker 3: Totally was yeah, no, but I think it's babies.
17:22
Speaker 2: Yeah.
17:22
Speaker 3: But it kind of comes down to what you were
17:24
Speaker 3: saying before, like once you meet your people, because I
17:26
Speaker 3: was always feeling a little bit lost and like not
17:28
Speaker 3: that a relationship is something that you should be defined
17:30
Speaker 3: by or even you know, be searching for to be
17:33
Speaker 3: a whole person, right, But I remember just being like, no,
17:36
Speaker 3: I actually want this thing now. I wasn't sure. Now
17:38
Speaker 3: I found someone I really want to do that with.
17:40
Speaker 3: That's pretty cool.
17:41
Speaker 2: I think a lot of the money diar is there's
17:43
Speaker 2: been a theme of like, when you and your partner
17:46
Speaker 2: are on the same page in terms of values, it
17:49
Speaker 2: seems to work. And a lot of the stories we
17:50
Speaker 2: hear are when they're not. And for today's money direst
17:54
Speaker 2: I'm sure if the person they were with was I
17:57
Speaker 2: want to travel, I want to do this and whatever,
17:59
Speaker 2: you'd be like, oh, like it's meant to be in
18:01
Speaker 2: and off we go. And and I don't mean marriage,
18:03
Speaker 2: I just mean you're on the same page in terms
18:04
Speaker 2: of you don't want to buy a house and lock
18:06
Speaker 2: it down for twenty five years. How long's a mortgage
18:08
Speaker 2: these days?
18:09
Speaker 3: May thirty thirty years. It's a lot of time.
18:12
Speaker 1: Yeah, a lot of time.
18:13
Speaker 2: That's a lot of time.
18:15
Speaker 1: Yeah, he didn't value travel like I did. That was
18:17
Speaker 1: kind of one of the killers.
18:19
Speaker 2: But that's your number one value. I mean that that's
18:22
Speaker 2: sort of that's it, right, But you.
18:24
Speaker 3: Can't go into a relationship and literally be asked to
18:27
Speaker 3: compromise your number one value. Yeah, that's never going to
18:30
Speaker 3: work out in my humble opinion.
18:33
Speaker 2: Yeah, should we take the relationship callers for next?
18:35
Speaker 3: We definitely sure. Next next on Christian.
18:41
Speaker 2: The Love God, Victoria will give more relationship advice. Here's
18:44
Speaker 2: what I'm suggesting.
18:45
Speaker 3: Just to ask, I want your babies.
18:49
Speaker 2: Here's what I'm suggesting for the three of us. Yeah, okay,
18:52
Speaker 2: story myself, Ryan, Today's money dirist. Should we pencil in
18:55
Speaker 2: a calendar thing for this time next year because I
18:58
Speaker 2: feel like.
18:59
Speaker 3: My gosh, can we do your money diary in twelve months?
19:02
Speaker 2: Yeah? I feel like you're in a space where you've
19:05
Speaker 2: got your finances turned around, you're saving a little bit.
19:07
Speaker 2: Obviously overseas travel isn't huge at the moment with COVID,
19:10
Speaker 2: but I would just be fascinated to see where this
19:12
Speaker 2: pans out. Do you feel like you're in a similar spot,
19:15
Speaker 2: like you're ready for your next adventure?
19:17
Speaker 3: Yeah?
19:17
Speaker 1: Sure, man, I am. Actually I actually wrote down the
19:19
Speaker 1: other day. I was like, April twenty twenty two, you're
19:22
Speaker 1: moving overseas, no excuses.
19:25
Speaker 2: No excuses.
19:25
Speaker 3: Well, given me doing this via zoom slash plhone call,
19:29
Speaker 3: doesn't matter where you are, We'll get that money diary.
19:33
Speaker 2: Money dires twenty seven and not conforming. Thank you very
19:37
Speaker 2: much for sharing some of your story. And like we
19:40
Speaker 2: was saying, there's a big theme and trend in the
19:43
Speaker 2: group of I want the house, and I want this
19:45
Speaker 2: and I want that, and I think it's refreshing to
19:47
Speaker 2: hear someone goes, oh, happy for you guys, But actually
19:50
Speaker 2: I'm about all of this over here.
19:51
Speaker 3: Where do you want to travel next too? Obviously COVID
19:55
Speaker 3: has put us in a position where we're not able
19:57
Speaker 3: to leave the country. Oh, we can go to New
19:58
Speaker 3: Zealand as off. I think next week, next week? Yeah,
20:02
Speaker 3: but where are you planning on traveling? What is your
20:05
Speaker 3: number one travel goal at this point.
20:07
Speaker 1: I have been to a lot of places, but I
20:09
Speaker 1: actually haven't been to New Zealand.
20:12
Speaker 3: Really, it is beautiful.
20:14
Speaker 1: We're going to rent a van and drive around, so
20:17
Speaker 1: I think that that might be it with COVID.
20:21
Speaker 3: So yeah, New Zealand. I promise it's stunning. Can't wait
20:27
Speaker 3: to hear about it in a year. Oh, thank you,
20:30
Speaker 3: thanks for joining us, Money Diarist.
20:32
Speaker 1: Thank you so much.
20:33
Speaker 3: And that's about all we have time for today. But
20:36
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20:39
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20:46
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20:52
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20:58
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