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FRIDAY DRINKS: to split tips or to not, that is the question · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:23
  Speaker 2: Hello and welcome to She's on the Money, the podcast
• 0:26
  Speaker 2: for millennials who want financial freedom. Today's Friday, which means
• 0:30
  Speaker 2: it is time to sit back with the girls with
• 0:32
  Speaker 2: a bevy in hand, to unpack our favorite moments of
• 0:35
  Speaker 2: the week, and of course, to celebrate you the incredible
• 0:38
  Speaker 2: She's on the Money community. As always, we'll be sharing
• 0:41
  Speaker 2: our favorite money wins, we'll be discussing what's making news
• 0:44
  Speaker 2: in the finance world, and we'll be helping answer some
• 0:47
  Speaker 2: juicy money questions, which this week is all about hex.
• 0:50
  Speaker 2: But first it is time to recap the week that was,
• 0:53
  Speaker 2: Miss Jess Guderichi. What happened on Monday's Money Diary.
• 0:57
  Speaker 3: Well, on Monday, you and I got to have a
• 1:00
  Speaker 3: with a diarist, so exciting to me, really fun. We
• 1:04
  Speaker 3: chatted to a beautiful human who had her identity stolen
• 1:08
  Speaker 3: a couple of years ago.
• 1:09
  Speaker 2: I always want to use their names. I always want
• 1:12
  Speaker 2: to be like, we chatted to dress and she was
• 1:14
  Speaker 2: so kind, But you can't use their names because anonymous.
• 1:18
  Speaker 3: She was a delight. Her dog was named Pumpkin, if
• 1:21
  Speaker 3: that's of any help. But she yeah, she had her
• 1:24
  Speaker 3: bag stolen, and it was there was a really big
• 1:27
  Speaker 3: gap in between that incident and her realizing that her
• 1:31
  Speaker 3: identity had been stolen, and so they'd been all of
• 1:33
  Speaker 3: this time for the damage to be done, and it
• 1:36
  Speaker 3: came as a real surprise to her, which of course
• 1:38
  Speaker 3: would have been so terrifying for her. And she shared
• 1:41
  Speaker 3: some really great insight and tips onto how we can
• 1:44
  Speaker 3: prevent that from happening to us, because you know, as
• 1:47
  Speaker 3: she was telling us what had happened, she was like,
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  Speaker 3: I wouldn't wish this upon anybody.
• 1:51
  Speaker 2: No, it sounded horrendous.
• 1:53
  Speaker 3: You know you can prevent it. It sounded awful. You
• 1:56
  Speaker 3: can prevent it. And she yeah, shared those ideas, which
• 1:59
  Speaker 3: I think is so worth knowing for anybody, because you
• 2:02
  Speaker 3: always think it'll happen to someone else, but never to you,
• 2:06
  Speaker 3: But you just really never know.
• 2:07
  Speaker 2: I was really stressed listening to her story because I
• 2:10
  Speaker 2: thought that you might have been a little bit silly
• 2:13
  Speaker 2: if you were getting your bag stolen and your identity stolen,
• 2:16
  Speaker 2: like you left something out. But she literally left her
• 2:19
  Speaker 2: handbag in her car for thirty seconds while moving some furniture,
• 2:22
  Speaker 2: exactly like these people are planned. That's kind of terrifying
• 2:26
  Speaker 2: the fact that somebody not only was like, Okay, cool,
• 2:29
  Speaker 2: I'm going to steal a handbag, but they've seized the
• 2:31
  Speaker 2: opportunity in the window she wasn't there and not only
• 2:35
  Speaker 2: just taking the cash from her wallet, but literally applied
• 2:37
  Speaker 2: for loans in her name and got on a phone
• 2:40
  Speaker 2: in her net. Like, that's terrifying that somebody could pretend
• 2:43
  Speaker 2: to be me.
• 2:43
  Speaker 3: Yeah, such a split second decision that she wouldn't have
• 2:46
  Speaker 3: thought about. She'd been focused on what she was doing.
• 2:48
  Speaker 3: The impact that it had on her for months afterwards,
• 2:51
  Speaker 3: it just blew my mind.
• 2:53
  Speaker 4: Girls, how much money did she lose? I know I
• 2:56
  Speaker 4: should listen to the episode to find this out, of course,
• 2:58
  Speaker 4: but like.
• 2:59
  Speaker 2: Oh, thanks for admitting you don't listen to our podcast,
• 3:01
  Speaker 2: George King, she lose heaps of money?
• 3:04
  Speaker 4: Or was it more just like a great inconvenience?
• 3:07
  Speaker 2: So thankfully, I'm not going to spoil it for everybody
• 3:09
  Speaker 2: who has not listened to it yet and plans to.
• 3:12
  Speaker 2: But thankfully she was able to get out of a
• 3:14
  Speaker 2: lot of the debts because she was really on top
• 3:17
  Speaker 2: of it. So when it happened, she went to the
• 3:19
  Speaker 2: police and really well documented that things were stolen. She
• 3:22
  Speaker 2: actually kept a notebook of what happened and when and
• 3:24
  Speaker 2: where so she could prove that it wasn't hers and
• 3:27
  Speaker 2: the bank that the loans were taken out in actually
• 3:29
  Speaker 2: waived it all, which is very kind, but that's not
• 3:32
  Speaker 2: actually the reality that happens to a lot of people.
• 3:35
  Speaker 2: Sometimes we don't take note of it. Like I'm not
• 3:37
  Speaker 2: gonna lie. That would probably be me. I wouldn't have
• 3:40
  Speaker 2: the foresight to take notes of when things were happening.
• 3:43
  Speaker 2: I would have my bag stolen, probably tell the police
• 3:47
  Speaker 2: and wonder what happened. I don't know. I feel like
• 3:50
  Speaker 2: she was just really well organized and planned, which is
• 3:52
  Speaker 2: something I probably wouldn't have been. But that's why we
• 3:55
  Speaker 2: should learn from this story. George, back to you though.
• 3:59
  Speaker 2: What happened on the week's Deep Dive So.
• 4:02
  Speaker 4: On Wednesday it was the last of our jolly episodes.
• 4:06
  Speaker 4: We spoke about how to host a cost effective Christmas
• 4:11
  Speaker 4: so there were lots of tips and tricks in there.
• 4:14
  Speaker 4: As always, ld V has always got many shout outs
• 4:18
  Speaker 4: for their many fabulous sponsors. Just good correct, correct of
• 4:22
  Speaker 4: the choice, La mule everything.
• 4:26
  Speaker 2: Do you Christmas shopping at Audi? Honestly, we should slide
• 4:30
  Speaker 2: into their DMS guys and be like, do you want
• 4:32
  Speaker 2: to work together again because we've essentially been working while
• 4:34
  Speaker 2: we haven't.
• 4:35
  Speaker 4: Been a one way relationship.
• 4:38
  Speaker 2: It's okay, they're the best time exactly.
• 4:40
  Speaker 4: We also spoke about like clever ways of setting the table,
• 4:44
  Speaker 4: which was fun. I gave the Instagram handled pasta Mama.
• 4:48
  Speaker 4: She has incredible style, very chic, and you recommended someone
• 4:53
  Speaker 4: be you can't quite remember who George Eats?
• 4:55
  Speaker 2: Who wasn't not George Eats. It was your Studio George,
• 4:59
  Speaker 2: but George. It is also epic. She has very good
• 5:03
  Speaker 2: fod maps meals which I love. Most of them are
• 5:06
  Speaker 2: plant based, which obviously I adore. But Studio George. There's
• 5:11
  Speaker 2: a lot of Georges here, Georgia presenting George Eats, and
• 5:14
  Speaker 2: then Studio George, who is very very well curated, like
• 5:18
  Speaker 2: her table scapes primo. I think I've spoken about her
• 5:21
  Speaker 2: on the pod before.
• 5:22
  Speaker 4: Or probably probably that's all right.
• 5:24
  Speaker 2: But segueing away from the Georges that were to George's
• 5:29
  Speaker 2: top money wins of the week, what was happening in
• 5:32
  Speaker 2: the Facebook group this week?
• 5:33
  Speaker 4: Okay, there was a bit happening. The thread was popping
• 5:36
  Speaker 4: off this week as always, let's be real. So my
• 5:39
  Speaker 4: first money win for the Day Ladies comes from gen So.
• 5:43
  Speaker 4: Her old super fund discovered they'd made a mistake, and
• 5:46
  Speaker 4: they sent her a letter to say they owe her
• 5:48
  Speaker 4: four thousand and five hundred dollars. Yes, please, I want
• 5:53
  Speaker 4: that to happen to me.
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  Speaker 2: Oh no, actually, I don't want my super fund making mistakes.
• 5:57
  Speaker 2: I much sure that I get the money I do,
• 6:00
  Speaker 2: but I'm very glad that when they did make a mistake,
• 6:02
  Speaker 2: they made it right.
• 6:04
  Speaker 4: Exactly exactly. Our next one here is from Amanda.
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  Speaker 3: So.
• 6:07
  Speaker 4: She hates calling up and speaking to companies on the
• 6:10
  Speaker 4: phone because it gives her major anxiety. Same here, my friend,
• 6:14
  Speaker 4: but she sucked it up and contacted her health insurance
• 6:17
  Speaker 4: in regards to changing her policy to reflect what she's
• 6:20
  Speaker 4: actually using instead of just paying for stuff that she's not.
• 6:23
  Speaker 4: She went from paying one hundred and thirty six dollars
• 6:26
  Speaker 4: a fortnight to thirty nine dollars a four night. Good
• 6:29
  Speaker 4: money because she's on Matt leave so heaven. Oh now,
• 6:34
  Speaker 4: Trista she paid over O. I went in way too
• 6:38
  Speaker 4: excited with that one. This is actually money loss, so okay,
• 6:41
  Speaker 4: that's all right. We're not going to edit this out.
• 6:43
  Speaker 2: No, that's all good. To tell us what your money lost.
• 6:45
  Speaker 4: Good. So Trista had a money loss. She paid over
• 6:49
  Speaker 4: five hundred dollars for a cut and color at what
• 6:51
  Speaker 4: looked like an amazing salon. But they cut off thirty
• 6:55
  Speaker 4: centimeters of her hair, which she only asked for ten
• 6:57
  Speaker 4: to fifteen centimeters a commoner character. That's a lot of hair.
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  Speaker 4: The color also didn't blend at all, and her hair
• 7:05
  Speaker 4: is missing a chunk. Oh, she's out of pocket and
• 7:09
  Speaker 4: she's really upset.
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  Speaker 2: I wouldn't have paid. Not a chance. What do you
• 7:12
  Speaker 2: do though?
• 7:13
  Speaker 4: I wanted to put this to the gals, What do
• 7:15
  Speaker 4: you want to do?
• 7:16
  Speaker 3: Not a chance?
• 7:16
  Speaker 2: I would be asking for a refund. I would be crying.
• 7:19
  Speaker 2: I would know. Can you ask for a refund? Absolutely
• 7:22
  Speaker 2: you can. So the thing there is I feel like
• 7:25
  Speaker 2: hairdressing can be fickle, right, Like nobody likes a trim.
• 7:30
  Speaker 2: Like I have long hair, and I get anxiety going
• 7:32
  Speaker 2: to the hairdresser because I never want them to take
• 7:34
  Speaker 2: off too much because I've been trying to grow it
• 7:36
  Speaker 2: out over the last couple of years and I now
• 7:38
  Speaker 2: feel like I've got to the length I like I
• 7:40
  Speaker 2: don't want you taking that away. I worked hard for this,
• 7:43
  Speaker 2: but when they take more sometimes it's because of health
• 7:46
  Speaker 2: or whatever. I'm not going to get into it. I'm
• 7:47
  Speaker 2: not a hairdresser, but if you go home and you're
• 7:51
  Speaker 2: super unhappy about it, I think that there's a lot
• 7:53
  Speaker 2: of power in you calling them the next day and
• 7:55
  Speaker 2: being like, Hey, I don't mean to be that guy,
• 7:57
  Speaker 2: but it's been twenty four hours. I didn't want to
• 8:00
  Speaker 2: say anything at the time because I wanted to sit
• 8:02
  Speaker 2: on this and just make sure that it wasn't me
• 8:04
  Speaker 2: just you know, not liking change because people don't like change,
• 8:07
  Speaker 2: but really unhappy with my haircut, don't feel like it
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  Speaker 2: sits right. Either fix it or refund it? Is that
• 8:13
  Speaker 2: an option? And they're very likely to ask you to
• 8:16
  Speaker 2: come in so they can have a look. I would
• 8:18
  Speaker 2: then go in and be like, yeah, like they s
• 8:20
  Speaker 2: ame it. So I just feel like you do need
• 8:23
  Speaker 2: a little bit of confidence asking for that. But I
• 8:25
  Speaker 2: also do think it's very fair if the hairdresser is like, ah,
• 8:28
  Speaker 2: can you come back in so they can have a look.
• 8:30
  Speaker 2: You can't just get a refund ask someone I don't know.
• 8:33
  Speaker 2: I just feel like that would be fair, and hopefully,
• 8:36
  Speaker 2: if they're a good hairdresser, they probably didn't mean to
• 8:39
  Speaker 2: do that, Like, no hairdresser would mean.
• 8:41
  Speaker 4: That, would they surely not. But what if Trista's like
• 8:44
  Speaker 4: a people pleaser like me, I feel like, you know,
• 8:47
  Speaker 4: the hairdresser could like shave my hair into a dolphin
• 8:50
  Speaker 4: shape and diet pink and I'd be like, I asked
• 8:53
  Speaker 4: for a curtain fringe, but this is stunning, Thank you
• 8:57
  Speaker 4: so much. Here's my money, you know what I mean?
• 8:58
  Speaker 2: Like, I really get it. No, I totally get it.
• 9:03
  Speaker 2: And I think that people pleases. I used to be one,
• 9:06
  Speaker 2: and sometimes I still am one. But I think that
• 9:08
  Speaker 2: there's a lot of power in you going no, you
• 9:10
  Speaker 2: know what, I didn't get what I paid for here
• 9:13
  Speaker 2: and being assertive about that. And I also think there's
• 9:15
  Speaker 2: a really big difference between being assertive and being aggressive,
• 9:19
  Speaker 2: Like we don't need to be aggressive, but it is
• 9:21
  Speaker 2: very fair for you to say your piece and say, hey,
• 9:24
  Speaker 2: I didn't actually ask for a dolphin haircut. I've gone home.
• 9:27
  Speaker 2: I've thought about it because I never want to say
• 9:29
  Speaker 2: anything in the moment, like you don't have to go home.
• 9:30
  Speaker 2: You could say this in the moment, but like I
• 9:32
  Speaker 2: do not have that confidence, my friend. I need to
• 9:34
  Speaker 2: sit on this for twenty four hours and hype myself
• 9:36
  Speaker 2: up and then I'll make the call. But I promise
• 9:39
  Speaker 2: you most hairdressers are going to be like, oh my gosh,
• 9:41
  Speaker 2: I'm so sorry. That's absolutely not what was meant to happen,
• 9:44
  Speaker 2: especially because if you went to a fancy salon, which
• 9:47
  Speaker 2: I'm assuming you did because you paid so much money,
• 9:50
  Speaker 2: they're probably not going to answer the phone. Like You'll
• 9:53
  Speaker 2: probably get like the salon owner or the receptionist or whatever,
• 9:55
  Speaker 2: and you can have that conversation with them and go, hey, like,
• 9:58
  Speaker 2: I had a haircut yesterday, really unhappy with it, Like
• 10:01
  Speaker 2: I just don't know what to do about that. They'll
• 10:03
  Speaker 2: have a process. You won't be the first one, I promised.
• 10:05
  Speaker 2: And I just think that there's a lot of power
• 10:06
  Speaker 2: in you putting your hand up and being like, no,
• 10:08
  Speaker 2: I didn't actually get what I paid for, and I
• 10:10
  Speaker 2: paid a pretty big amount of money for the service.
• 10:12
  Speaker 4: Definitely Okay, So Trista, there is time to turn that
• 10:14
  Speaker 4: money loss into a money win, we think.
• 10:16
  Speaker 2: But George is going to get her hair cut into
• 10:19
  Speaker 2: a dolphin now for everybody.
• 10:20
  Speaker 4: Well, I mean if someone does it to me, I
• 10:22
  Speaker 4: won't complain, so challenge.
• 10:26
  Speaker 2: After having my hype talk though, Well, no, that's.
• 10:28
  Speaker 4: True, that's true, Okay, continuing on with the hair theme. Actually,
• 10:31
  Speaker 4: our next win comes from Hannah. So she almost bought
• 10:35
  Speaker 4: a dice in air Rap full price seven hundred and
• 10:37
  Speaker 4: ninety nine dollars. They cost apparently so.
• 10:39
  Speaker 2: We expensive, but they are. They're the love of my life.
• 10:42
  Speaker 4: And Jess's life. I believe you're both in the fans
• 10:45
  Speaker 4: of the old diso.
• 10:46
  Speaker 3: Oh yeah, sorry, just a corone of pleasure.
• 10:52
  Speaker 2: The air Rap. I love it and love of my life.
• 10:56
  Speaker 2: We've never been sponsored by air Rap, but I would
• 10:58
  Speaker 2: welcome it with open arms. Feel like we'd be really
• 11:00
  Speaker 2: good at it. Jess, I could sell that.
• 11:03
  Speaker 3: Yeah, one thousand, SA give us an air Wrap to
• 11:04
  Speaker 3: give to the community, like I know that the people
• 11:06
  Speaker 3: want it.
• 11:07
  Speaker 4: Well you know who wants it, Hannah. But but she
• 11:11
  Speaker 4: bought it, let's not talk about it. Hannah ended up
• 11:13
  Speaker 4: buying one two days later for five hundred and ninety
• 11:16
  Speaker 4: eight dollars, so it's still expensive but a bargain.
• 11:20
  Speaker 2: Ultimately, Look how excited we are about dicon. But remember
• 11:23
  Speaker 2: that time, Jess, you got yours for like five hundred
• 11:25
  Speaker 2: and fifty dollars because you were like a super hustler
• 11:27
  Speaker 2: and like got shot back on it and a discount
• 11:29
  Speaker 2: and you were just some kind of wizard.
• 11:30
  Speaker 3: It was thanks to someone posting that in the Facebook
• 11:33
  Speaker 3: group that I got that deal. But it's funny you
• 11:34
  Speaker 3: mention it because we posted on our stories last week
• 11:38
  Speaker 3: we did a little end of year finance quiz that
• 11:41
  Speaker 3: you could do on your Instagram story and fill out.
• 11:43
  Speaker 3: It's in our highlights if you would.
• 11:45
  Speaker 2: Like to do it.
• 11:47
  Speaker 3: But I obviously filled it out of course. And one
• 11:49
  Speaker 3: of the questions was what was your biggest money in
• 11:51
  Speaker 3: and I said the Dison and the amount of DMS
• 11:53
  Speaker 3: I got from people saying how did you hit a
• 11:56
  Speaker 3: five hundred and fifty dollars dison? I feel like five
• 11:59
  Speaker 3: hundred and ninety dollar is still incredible. Thank you for sharing.
• 12:02
  Speaker 2: Oh, I love it.
• 12:03
  Speaker 4: Are they definitely worth it? Guys? Because the hair that
• 12:08
  Speaker 4: sounds like a lot of cash for a little hairy.
• 12:11
  Speaker 2: Lot of money, I think it wouldn't be like I'm
• 12:14
  Speaker 2: gonna be honest you, I don't think you'd find it
• 12:16
  Speaker 2: worth it because you don't curl your hair like you
• 12:19
  Speaker 2: don't curl your hair. You don't style it all that often.
• 12:22
  Speaker 2: You're just naturally really hot, so you don't need it
• 12:24
  Speaker 2: like Jess and I do.
• 12:26
  Speaker 3: I'm not naturally hot.
• 12:28
  Speaker 2: We're not naturally hot. It's just really it's really unlucky.
• 12:31
  Speaker 2: But thankfully Dicon exists no so for me, I style
• 12:36
  Speaker 2: my hair every day like I am. Actually I'm a
• 12:38
  Speaker 2: bit of a wizard of my own DIY blow drys,
• 12:41
  Speaker 2: but they take a while and I'm not nearly as
• 12:43
  Speaker 2: good at them as the hairdresser, whereas my dyce in.
• 12:46
  Speaker 2: It literally looks like I got my hair done in
• 12:48
  Speaker 2: a salon every day. I mean, it took a little
• 12:50
  Speaker 2: bit to get used to the air wrap, and I
• 12:52
  Speaker 2: think everybody who owns one will say, yeah, no, definitely
• 12:55
  Speaker 2: takes a bit of getting used to. But that has
• 12:58
  Speaker 2: paid itself. Off ends purely because every photo shoot I've had,
• 13:02
  Speaker 2: every meeting I've had, I've looked like I've had a
• 13:05
  Speaker 2: fresh blow wave. Like the other day when we did
• 13:07
  Speaker 2: our Christmas shoot, George, I just did my hands true arrived.
• 13:11
  Speaker 2: I didn't have to pay for it to get done. Genius.
• 13:13
  Speaker 4: There you go. If Dyson aren't sponsoring this episode, they
• 13:16
  Speaker 4: really should be, shouldn't they?
• 13:17
  Speaker 2: Honestly, they step it up, Dyson. We're here, we're waiting.
• 13:21
  Speaker 4: Our next money win is from Amy So, after spending
• 13:24
  Speaker 4: over eleven thousand dollars this year on after pay, she
• 13:28
  Speaker 4: finally closed her account and she's realized that she cannot
• 13:31
  Speaker 4: be trusted with these types of apps.
• 13:33
  Speaker 2: Oh, that makes me so happy. I mean, it doesn't
• 13:36
  Speaker 2: make me happy that she spent eleven grand, but she's
• 13:39
  Speaker 2: come to the conclusion that that's just not helping her.
• 13:42
  Speaker 2: How good is that she's going to live within her values?
• 13:44
  Speaker 4: One piece we love. The next one is from Lily,
• 13:48
  Speaker 4: So she now has enough emergency savings to get her
• 13:51
  Speaker 4: through December, January and February, and she's not worried or
• 13:55
  Speaker 4: feeling guilty about leaving her toxic workplace and she gets
• 13:58
  Speaker 4: to enjoy Christmas without having to worry about not being
• 14:01
  Speaker 4: able to afford things. Oh, I love that.
• 14:04
  Speaker 2: That is the level of financial freedom we all aspire
• 14:07
  Speaker 2: to have one hundred percent.
• 14:10
  Speaker 4: Our second last one here, Ladies, is from Wendy. So
• 14:13
  Speaker 4: she paid off her car on Friday, around eleven months early.
• 14:17
  Speaker 4: She was funneling over twice the required repayments by the
• 14:20
  Speaker 4: end and to finish it off. She now has so
• 14:22
  Speaker 4: much more spare cash to funnel towards her last credit card.
• 14:25
  Speaker 2: Oh my gosh, I love that.
• 14:28
  Speaker 4: Finally, guys, Amy says, money win, I bought an apartment.
• 14:31
  Speaker 4: She really started smashing the savings skulls when she started
• 14:34
  Speaker 4: listening to She's on the Money at the start of
• 14:36
  Speaker 4: the pandemic, and now it's time to go and smash
• 14:38
  Speaker 4: out the mortgage.
• 14:39
  Speaker 2: She wrote, Also check you out. I love that. George.
• 14:43
  Speaker 2: Did you say that was our last money when that
• 14:44
  Speaker 2: you were going to share?
• 14:46
  Speaker 3: Correct?
• 14:46
  Speaker 2: Ah, but you missed one from Joe? What did you
• 14:50
  Speaker 2: thought that was the best one? I missed it, all right?
• 14:53
  Speaker 2: So Joe had three money wins. This is just me
• 14:55
  Speaker 2: weaseling it in. And you see exactly why I want
• 14:58
  Speaker 2: to weasel it in, because it's quite self serving, Georgia.
• 15:01
  Speaker 2: So Joe said money win times three. I don't think
• 15:06
  Speaker 2: I've won anything on Instagram before. But she won these
• 15:09
  Speaker 2: amazing cakes from Rosemary Andrews last week, which she uploaded
• 15:13
  Speaker 2: a picture of and that looks stunning. She then George
• 15:16
  Speaker 2: scored a free ticket via She's on the Money to
• 15:18
  Speaker 2: the My Millennial Money Live podcast episode that was on
• 15:22
  Speaker 2: in Melbourne last Friday night, and when she was there
• 15:26
  Speaker 2: she scored a copy of my signed book The Event.
• 15:29
  Speaker 2: Is that not the best money when you've ever seen?
• 15:32
  Speaker 2: It's cake, it's podcast, it's my book, Like, come on, George,
• 15:36
  Speaker 2: you had one job.
• 15:38
  Speaker 4: No, that's brilliant.
• 15:39
  Speaker 2: Apologies, Sorry, Joe loved you.
• 15:41
  Speaker 4: Joe bye.
• 15:41
  Speaker 2: All right, we're gonna go to a break and right
• 15:43
  Speaker 2: after that we're going to get into the listener questions.
• 15:46
  Speaker 2: See you soon. All right, we are back and Georgia.
• 15:49
  Speaker 2: This week you said you had a listener question for
• 15:52
  Speaker 2: us about hex was it?
• 15:54
  Speaker 4: Yes? Indeed indeed we also I wrote us a little intro.
• 15:59
  Speaker 4: Do you want me to now?
• 16:00
  Speaker 2: Yeah, I'm readout, read out true. Maybe we'll use it officially.
• 16:05
  Speaker 4: So yeah, yeah next year, New.
• 16:07
  Speaker 2: Year, knew us? Yeah, then it is us being us.
• 16:12
  Speaker 4: Okay, So it's Friday, which means it's time to answer
• 16:14
  Speaker 4: your most burning finance, career and life questions. If you
• 16:18
  Speaker 4: need help untangling a naughty dilemma, no matter how big
• 16:21
  Speaker 4: or small, send us a voice notes through to podcast
• 16:23
  Speaker 4: at She's on the money dot com dot You pretty
• 16:25
  Speaker 4: sure that's the email and will help you find the
• 16:28
  Speaker 4: answer you've been searching for Now, let's take a listen
• 16:30
  Speaker 4: to today's money question. Do that bring back the memories
• 16:33
  Speaker 4: that kind of back to them?
• 16:35
  Speaker 2: I like it. Let's listen to this week's money question. Hi,
• 16:37
  Speaker 2: she's on the money.
• 16:38
  Speaker 5: I had a question about paying your hex stet as
• 16:42
  Speaker 5: you accrue it. So I've seen that as semester rolls around,
• 16:46
  Speaker 5: if you pay your hex stet for that semester up front,
• 16:49
  Speaker 5: you get a ten percent discount. So hypothetically, if you
• 16:53
  Speaker 5: had the cash sitting in your bank account, do you
• 16:57
  Speaker 5: think that there's benefit to paying that step off early
• 17:02
  Speaker 5: instead of investing it? I certainly cannot do an accent,
• 17:06
  Speaker 5: so sorry to disappoint on that front.
• 17:09
  Speaker 2: Thanks.
• 17:10
  Speaker 4: So what did we think, ladies? I feel like we
• 17:12
  Speaker 4: talk about hex quite a bit on the podcast. I've
• 17:15
  Speaker 4: never heard of this ten percent off situation? What's the deal?
• 17:18
  Speaker 2: That's because it's only semi new, and I don't mean
• 17:20
  Speaker 2: it's never existed before. It has and then it went
• 17:22
  Speaker 2: away and then on the first of January twenty twenty one,
• 17:25
  Speaker 2: it came back and is now something that you absolutely
• 17:29
  Speaker 2: have access to. But before I get into my deep like,
• 17:32
  Speaker 2: this is my thoughts, feelings, values, and beliefs Jess, George,
• 17:36
  Speaker 2: what do you reckon?
• 17:38
  Speaker 3: I mean, I guess it depends, like you've got to
• 17:41
  Speaker 3: look at what would you be doing with that money otherwise,
• 17:44
  Speaker 3: like would you be investing it, would you be saving it?
• 17:46
  Speaker 3: What's the rate of return on that going to be
• 17:48
  Speaker 3: as compared to the discount. I know that HEXTA is
• 17:52
  Speaker 3: good debt, so like we don't hate that it's there,
• 17:55
  Speaker 3: but I also know for me personally, like as a human,
• 17:58
  Speaker 3: I hate the idea of having debts sitting there. So
• 18:02
  Speaker 3: I would find the discount, coupled with the fact that
• 18:05
  Speaker 3: it would just mean that the debt would be extinguished,
• 18:08
  Speaker 3: would be super appealing to me. But they also know
• 18:11
  Speaker 3: that it might not be the right choice for everybody.
• 18:13
  Speaker 2: Yeah, no, I absolutely agree. And George, do you think
• 18:15
  Speaker 2: that would be something that would help or hinder for me?
• 18:19
  Speaker 4: I wouldn't be paying it up front, like it's a
• 18:23
  Speaker 4: debt that doesn't accrue interest over the journey, right, there's
• 18:27
  Speaker 4: no pressure really to pay it off sooner than later.
• 18:29
  Speaker 4: There's no benefit in doing that. Obviously, the ten percent
• 18:32
  Speaker 4: like that is significant when we're talking about debts of
• 18:34
  Speaker 4: like thirty to fifty to one hundred grand, depending on
• 18:37
  Speaker 4: what you're studying and how long for. But for me personally,
• 18:42
  Speaker 4: it's like a small sum that comes out of your
• 18:44
  Speaker 4: pay every fortnight or whenever you get paid, and it's
• 18:46
  Speaker 4: just not significant enough for me to choose to get
• 18:50
  Speaker 4: that lump sum removed upfront instead of just paying it
• 18:53
  Speaker 4: off slowly. Yeah.
• 18:54
  Speaker 2: Yeah, both of those are super valid, and I'm on
• 18:56
  Speaker 2: that page to be honest. At university, there's absolutely no
• 18:59
  Speaker 2: way I could have afforded to pay it off. And
• 19:02
  Speaker 2: the upfront payment is a payment that you're making while
• 19:05
  Speaker 2: it's happening, So it's kind of like I wish that
• 19:09
  Speaker 2: my payments were getting ten percent off now, but they're not,
• 19:11
  Speaker 2: and that's not actually how it works. And there's no
• 19:13
  Speaker 2: way I could have ever afforded to pay my university
• 19:16
  Speaker 2: degree while at UNI, because I was living life and
• 19:18
  Speaker 2: just couldn't afford it. But I also think that some
• 19:21
  Speaker 2: people are going to look at this and be like,
• 19:23
  Speaker 2: that's ten percent interest, whereas it's not. It's actually ten
• 19:27
  Speaker 2: percent discount if you pay upfront. But I think that's
• 19:30
  Speaker 2: actually a privilege that not many of us can make
• 19:33
  Speaker 2: use of. But absolutely if you can pay it, and
• 19:35
  Speaker 2: that is something that you want to do and you
• 19:37
  Speaker 2: want to be paying for your studies while studying, go
• 19:40
  Speaker 2: for it. It is a really good money win. At
• 19:43
  Speaker 2: the end of the day, it's ten percent. You're getting
• 19:44
  Speaker 2: ten percent off, but you have to make an upfront
• 19:47
  Speaker 2: payment of five hundred dollars or more towards units of
• 19:50
  Speaker 2: study with the same census date, or make an upfront
• 19:54
  Speaker 2: payment equal to ninety percent of your student contribution amounts.
• 19:58
  Speaker 2: Then you'll receive the TEMP discount, which is actually called
• 20:01
  Speaker 2: the hex Slash Help Upfront discount, which is really nice.
• 20:04
  Speaker 2: But at the end of the day, that works because
• 20:07
  Speaker 2: it increases your upfront payment by ten percent, which means
• 20:11
  Speaker 2: that you'll pay less for your studies if you pay
• 20:13
  Speaker 2: five hundred dollars or more upfront, and the government is
• 20:16
  Speaker 2: actually paying the other ten percent directly to your provider
• 20:18
  Speaker 2: for you. So like that's a nice money win. But again,
• 20:21
  Speaker 2: as I said, it is not something that a lot
• 20:24
  Speaker 2: of us financially are able to access.
• 20:27
  Speaker 3: Question, if we're paying this amount upfront, if I'm doing
• 20:31
  Speaker 3: say a three year degree, am I paying for three
• 20:33
  Speaker 3: years all at ones? Because that's a lot of money.
• 20:36
  Speaker 2: No, So what happens is as you enroll, you will
• 20:39
  Speaker 2: get an invoice essentially every census, which is every year
• 20:44
  Speaker 2: or every I think it's semester that you enroll for.
• 20:47
  Speaker 2: So say if one semester gest you're like, I'm going
• 20:49
  Speaker 2: to enroll in four subjects, you'll get an invoice for
• 20:52
  Speaker 2: those four subjects. But instead of paying that invoice for
• 20:56
  Speaker 2: your studies, you will actually nominate your help debt to
• 21:00
  Speaker 2: off that. So to get help, you actually have to apply.
• 21:04
  Speaker 2: So it's not just something that everybody can access. Your
• 21:07
  Speaker 2: degree actually has to qualify and the government has to degree.
• 21:10
  Speaker 2: And so you sign up, you say, yep, great, it's
• 21:12
  Speaker 2: on a Commonwealth supported place, and then you can start
• 21:16
  Speaker 2: getting the government to pay those invoices that you get
• 21:19
  Speaker 2: every semester.
• 21:20
  Speaker 3: Okay, got it. Because I guess my ongoing thought from
• 21:23
  Speaker 3: that would be what about the people who change? Yeah, no,
• 21:27
  Speaker 3: it's so common batter.
• 21:28
  Speaker 2: No, So you just pay unit by unit. And that's
• 21:31
  Speaker 2: why people would say things like, oh, well, actually I
• 21:35
  Speaker 2: only have half a degree, Like I just have ten
• 21:38
  Speaker 2: grand of hex step because I never finished my degree.
• 21:40
  Speaker 2: It's because it's only done per unit finish. And then
• 21:44
  Speaker 2: a university degree is made up of a certain number
• 21:46
  Speaker 2: of units. It's usually between twelve, eighteen or maybe twenty four,
• 21:50
  Speaker 2: depending on how many units you're doing in that particular degree.
• 21:53
  Speaker 2: And then once you make those twelve units up based
• 21:56
  Speaker 2: on whatever is compulsory for you, that's when you achieve
• 21:59
  Speaker 2: your deal. And that's why so many people can study
• 22:02
  Speaker 2: different things but still have the same degree, because you
• 22:04
  Speaker 2: have to achieve a certain number of units in a
• 22:07
  Speaker 2: core amount of areas.
• 22:09
  Speaker 3: Super interesting, Well, that is a really handy thing. Super privileged,
• 22:12
  Speaker 3: I suppose if you are able to pay it. And
• 22:14
  Speaker 3: I probably should have said that before I gave my answer,
• 22:16
  Speaker 3: being like I'd do it. I mean in a theoretical world.
• 22:20
  Speaker 2: Yeah, but there's no way, Like I totally get it,
• 22:23
  Speaker 2: but there is no way. I had more than five
• 22:26
  Speaker 2: hundred dollars when I was at UNI to go towards
• 22:29
  Speaker 2: my studies. So for me, I was always like great,
• 22:31
  Speaker 2: But I do remember, and maybe this is just the
• 22:34
  Speaker 2: circles that I was in. I remember the people that
• 22:37
  Speaker 2: were paying up front. Oh, my parents say I have
• 22:39
  Speaker 2: to pay up front because you get ten percent off.
• 22:41
  Speaker 2: I'd be like, cool, like we can't afford that. It
• 22:44
  Speaker 2: would always be because their parents were paying for their degrees. Like,
• 22:48
  Speaker 2: I don't know any person that is my age that
• 22:51
  Speaker 2: personally paid for their degrees themselves while studying. It was
• 22:56
  Speaker 2: always like a parent or a grandparent, or they had
• 22:58
  Speaker 2: some level of financial PreO that was paying for that,
• 23:01
  Speaker 2: and that's really great for them. I'm not saying that's
• 23:02
  Speaker 2: a bad thing at all. I'm just saying, if you're
• 23:05
  Speaker 2: looking at this and feeling a little bit guilty that,
• 23:07
  Speaker 2: oh my god, I can't access that, like girls, same like,
• 23:10
  Speaker 2: same dumb question.
• 23:12
  Speaker 3: Did you not just say that this just came into play,
• 23:16
  Speaker 3: this discount.
• 23:16
  Speaker 2: No, so it was in play, then it went out,
• 23:19
  Speaker 2: and now it's back. So as of the first of
• 23:21
  Speaker 2: January twenty twenty one, their help Loan discount is back.
• 23:25
  Speaker 2: But there was a period of time where you couldn't
• 23:28
  Speaker 2: get it. So back when I was at UNI, which
• 23:30
  Speaker 2: was ten years ago, that was actually a thing where
• 23:33
  Speaker 2: you could pay up front and get the discount. Then
• 23:35
  Speaker 2: it went out. I don't think my little sister had
• 23:37
  Speaker 2: access to it. And then now it's back, which is
• 23:39
  Speaker 2: really really nice, but again, massive privilege. Do not feel
• 23:43
  Speaker 2: guilty if you can't access it.
• 23:45
  Speaker 3: Well, there you go, lucky you if you can access that.
• 23:48
  Speaker 3: I wish I was that organized with my finances when
• 23:50
  Speaker 3: why was that age?
• 23:51
  Speaker 2: Not a chance? Jessic Ricci couldn't have done it to
• 23:54
  Speaker 2: save my life. In fact, I think I was negative
• 23:57
  Speaker 2: like I was. I was ind in Uni.
• 23:59
  Speaker 3: So yeah, he gone backwards speaking of really significant sums. Though,
• 24:04
  Speaker 3: I saw a super interesting article that I thought we
• 24:07
  Speaker 3: could chat about because I believe all three of us
• 24:09
  Speaker 3: have a hospital background.
• 24:11
  Speaker 2: Do you I miss my hospital days?
• 24:14
  Speaker 3: I don't.
• 24:15
  Speaker 2: Oh really, I loved it.
• 24:17
  Speaker 3: I mean my experience was really niche I worked at
• 24:20
  Speaker 3: a theater restaurant, which.
• 24:24
  Speaker 2: She did under the bus for Jessica? Which one? Which one?
• 24:30
  Speaker 2: Did you work at.
• 24:31
  Speaker 3: The Titanic themed restaurant?
• 24:33
  Speaker 2: Which is to this.
• 24:34
  Speaker 3: Day, I hear my heart will go on and I
• 24:37
  Speaker 3: want to beat my head. It's just didn't you need to,
• 24:42
  Speaker 3: like at halftime, during dinner or something, halftime, you would
• 24:46
  Speaker 3: have to like go out and do a dance or
• 24:47
  Speaker 3: something as the White stuff what happened? Yes, there were
• 24:51
  Speaker 3: dances at the end. I mean spoiler alert. I don't
• 24:54
  Speaker 3: even know if the restaurant it still exists.
• 24:56
  Speaker 4: It's still.
• 24:59
  Speaker 3: In my day. At the end of the show, you
• 25:02
  Speaker 3: would hit the iceberg. It was very dramatic, but happy days.
• 25:06
  Speaker 3: The Carpathia saved you and you made it to New
• 25:08
  Speaker 3: York and they would play New York, New York, and
• 25:11
  Speaker 3: three very unlucky waitresses would have to get into this
• 25:15
  Speaker 3: big boat costume and dance around the room to New York,
• 25:20
  Speaker 3: New York. It was awful. Anyway, did you.
• 25:23
  Speaker 2: Have to dance around in the boat costume?
• 25:25
  Speaker 1: Often?
• 25:25
  Speaker 3: Oh, there is absolutely photographic evidence of it somewhere on
• 25:28
  Speaker 3: the internet.
• 25:29
  Speaker 2: I have heard on the grapevine that there might be
• 25:32
  Speaker 2: pictures that still exist. So for those of you who
• 25:35
  Speaker 2: would like to do some snooping fair game, please share
• 25:38
  Speaker 2: it to She's on the money if you find it.
• 25:40
  Speaker 2: But if you did all of that work, Jess, did
• 25:43
  Speaker 2: you get tips? Come on, at least you were getting
• 25:46
  Speaker 2: tips all paid well, at least.
• 25:47
  Speaker 3: We did and were there. The way that we did
• 25:49
  Speaker 3: it was you would have a section, you'd look after
• 25:52
  Speaker 3: it and if you've got a tip, like amazing, because
• 25:54
  Speaker 3: you've given great service. Here in Australia, tipping is not
• 25:57
  Speaker 3: a requirement. It's not even super common place. I think
• 26:00
  Speaker 3: it's more just if someone gives you an exemplary service,
• 26:04
  Speaker 3: that is when you would tip them. Kind of is
• 26:06
  Speaker 3: a thank you. But this article that I was reading,
• 26:09
  Speaker 3: a woman in the UK worked at a restaurant and
• 26:13
  Speaker 3: they operated on a similar system where if your section
• 26:16
  Speaker 3: tipped you, that was your tip to keep. And she
• 26:19
  Speaker 3: looked after a table obviously did a fantastic job, got
• 26:22
  Speaker 3: chatting to them about her student loans and these people
• 26:25
  Speaker 3: were super incredibly kind and left her a tip which
• 26:29
  Speaker 3: was four thousand pounds, which is the equivalent of about
• 26:33
  Speaker 3: six grand here in Australia the same So much money,
• 26:37
  Speaker 3: how incredible. And they said to her, we want you
• 26:40
  Speaker 3: to pay off your student loan.
• 26:41
  Speaker 2: How sweet is that? But imagine, Okay, so like that
• 26:44
  Speaker 2: sounds great, but like I just want to put my
• 26:47
  Speaker 2: shoes in the place of the person who gave that tip.
• 26:51
  Speaker 2: Like imagine going out for dinner and having the financial
• 26:54
  Speaker 2: freedom to be Like I really liked her. She deserves
• 26:57
  Speaker 2: to have her student loans paid off. Ah, and you
• 27:01
  Speaker 2: could tip somebody six grand Like I could never in
• 27:04
  Speaker 2: a million years afford that, But like, imagine being in
• 27:07
  Speaker 2: that position. That would just be cool. I mean, getting
• 27:10
  Speaker 2: it would arguably be cool as well. But like from
• 27:12
  Speaker 2: my perspective, I'm like, how cool is that?
• 27:15
  Speaker 4: That?
• 27:15
  Speaker 2: People are so generous.
• 27:17
  Speaker 3: I know, that's the life that I dream of living.
• 27:19
  Speaker 3: But travesty strikes because her supervisor or her manager said,
• 27:24
  Speaker 3: the tip's so big, you need to split that with
• 27:26
  Speaker 3: everyone on the floor, Which yeah, I mean, I don't
• 27:30
  Speaker 3: know how many people were there, but like a typical restaurant,
• 27:32
  Speaker 3: let's say there's at least four or five other staff
• 27:34
  Speaker 3: members that are looking after if not more, so that
• 27:37
  Speaker 3: six grand suddenly becomes one thousand dollars for everybody. Which
• 27:42
  Speaker 3: it was super controversial the article online. Really like splitting
• 27:45
  Speaker 3: people up, and I wanted to get your thoughts as
• 27:47
  Speaker 3: former waitresses. Is it okay? Is it not okay? What
• 27:51
  Speaker 3: do you think? Oh?
• 27:52
  Speaker 2: I worked in a couple of restaurants, so I have
• 27:54
  Speaker 2: done all of it, I think. So there are a
• 27:57
  Speaker 2: few restaurants where we just pulled tips, so any tip
• 27:59
  Speaker 2: you go but went into essentially a tip jar, and
• 28:02
  Speaker 2: at the end of the night, it was divided equally
• 28:04
  Speaker 2: among everybody, which, to be honest, as a waitress, I
• 28:07
  Speaker 2: really liked because I felt like it was quite fair.
• 28:10
  Speaker 2: And I'm one of those people that always wants a
• 28:13
  Speaker 2: quality like I don't want more than you got because
• 28:15
  Speaker 2: I'll feel guilty, and I really liked it because the
• 28:19
  Speaker 2: kitchen staff also benefited then as well, So those people
• 28:22
  Speaker 2: that weren't out on the floor being able to get tips,
• 28:24
  Speaker 2: they would always be able to take home some tips,
• 28:27
  Speaker 2: which I always thought was really cool. So for me
• 28:30
  Speaker 2: that was nice. But I also worked in restaurants where
• 28:33
  Speaker 2: whatever you were tipped personally was definitely yours, and I
• 28:36
  Speaker 2: feel like they were more high end restaurants when I
• 28:39
  Speaker 2: was working in them, Like I definitely couldn't afford to
• 28:42
  Speaker 2: dine at them at that point in time, and whenever
• 28:44
  Speaker 2: you got tips, it was usually because you were like
• 28:47
  Speaker 2: waiting on that person for the entire evening. Like we're
• 28:50
  Speaker 2: talking like rock ball style venues, but it was all different. Gee,
• 28:54
  Speaker 2: what do you do for tips? I don't.
• 28:56
  Speaker 4: I don't really remember getting tips, but I'm sure there
• 29:00
  Speaker 4: would have been some floating around, but I definitely don't
• 29:04
  Speaker 4: remember them ever being divvied up. But I think maybe
• 29:07
  Speaker 4: they pulled them and then we would use them for
• 29:09
  Speaker 4: like the Christmas party, and I'm sure, yeah, that is
• 29:12
  Speaker 4: just pocketed the rest. But I kind of have mixed
• 29:15
  Speaker 4: feels on this as well. Obviously, the story is out
• 29:18
  Speaker 4: of America, where their tipping system is very different to
• 29:22
  Speaker 4: what we have in Australia. Like it's a massive part
• 29:24
  Speaker 4: of their income, right, Like we're making tips is more
• 29:27
  Speaker 4: than you'll earn jets.
• 29:28
  Speaker 3: Oh sorry, I said the UK, it was actually America.
• 29:32
  Speaker 2: I wasn't going to correct you jests, but I was like,
• 29:34
  Speaker 2: everybody will get what we mean. Doesn't matter.
• 29:38
  Speaker 4: In the US, tips are a massive deal, right, So
• 29:42
  Speaker 4: I kind of I feel like for this this lady,
• 29:45
  Speaker 4: like she obviously did a great job, she earned those tips,
• 29:49
  Speaker 4: like she should take them home. But then I agree
• 29:52
  Speaker 4: on the other side if I feel like, if I
• 29:54
  Speaker 4: was in that situation again, little people pleaser, I'd be
• 29:58
  Speaker 4: like everyone a thousand dollar for everyone, you know, Yeah,
• 30:01
  Speaker 4: because I.
• 30:02
  Speaker 2: Feel that I am, but given it was given with
• 30:04
  Speaker 2: purpose and Jess, you've done us a dirty you haven't
• 30:08
  Speaker 2: given us the full story. The reason this is so
• 30:11
  Speaker 2: interesting is because she got fired for not sharing the tips.
• 30:15
  Speaker 2: She actually lost her job, and in a comment that
• 30:18
  Speaker 2: she made, she said, I've been working at that restaurant
• 30:20
  Speaker 2: for three and a half years and at no point
• 30:23
  Speaker 2: in time have we ever split tips with co workers.
• 30:27
  Speaker 2: So I feel like that's just a bit unfair to
• 30:29
  Speaker 2: bend the rules because it's big enough, Like I just
• 30:32
  Speaker 2: I know it's crazy and it's a lot of money,
• 30:35
  Speaker 2: But at the end of the day, like if that
• 30:37
  Speaker 2: was the rule at the start, it's very easy to
• 30:39
  Speaker 2: just say, okay, no, well it's hers. But like I
• 30:42
  Speaker 2: would think that she was doing us the dirty if
• 30:45
  Speaker 2: she wasn't sharing it when it was always a history
• 30:48
  Speaker 2: of sharing. Is that fair to say, like, once the
• 30:51
  Speaker 2: rule set, it shouldn't bend.
• 30:53
  Speaker 4: I think so.
• 30:54
  Speaker 3: Yeah, I think so as well.
• 30:55
  Speaker 2: Yeah, I don't know how I would have dealt if
• 30:57
  Speaker 2: sometimes we were splitting tips and sometimes we weren't, because
• 30:59
  Speaker 2: pep awkward around money, Like just make a rule. If
• 31:02
  Speaker 2: you split tips, you split tips. If you don't split tips,
• 31:05
  Speaker 2: you don't split tips. And it's not talked about, Like
• 31:07
  Speaker 2: I don't know, I just feel like that should be
• 31:09
  Speaker 2: more upfront. Is that something that when you get a
• 31:11
  Speaker 2: new job in hospitality you discuss with your managers. I've
• 31:14
  Speaker 2: never had that conversation. I would always just come into
• 31:17
  Speaker 2: restaurants as quite a young waitress and be like, oh,
• 31:20
  Speaker 2: what do we do? Like just copy everybody else? Like
• 31:23
  Speaker 2: I've never had that conversation.
• 31:25
  Speaker 3: I don't think I feel like it's usually whoever was
• 31:27
  Speaker 3: training you or showing you the ropes. It'd usually be
• 31:30
  Speaker 3: something that was covered by them, and they'd be like, oh,
• 31:32
  Speaker 3: this is how we do it. But I think to
• 31:33
  Speaker 3: flip the narrative as the tipper, if you have done,
• 31:37
  Speaker 3: you know, made that tip, which was incredibly generous, four
• 31:40
  Speaker 3: thousand dollars, you know is a lot of money, and
• 31:42
  Speaker 3: they've done it obviously because they liked this girl and
• 31:45
  Speaker 3: they wanted to help her out. I feel like I
• 31:47
  Speaker 3: would be low key a little bit annoyed that I
• 31:50
  Speaker 3: had spent all that money on and it wasn't going
• 31:52
  Speaker 3: to where I were.
• 31:54
  Speaker 2: That's actually a really good point to that story, like
• 31:57
  Speaker 2: she was tipped with purpose, and if it was cifically
• 32:00
  Speaker 2: meant to go to her, I think that that actually
• 32:03
  Speaker 2: needs to be a bit of a rule bender because
• 32:06
  Speaker 2: I remember once and I don't have the clearest memory
• 32:08
  Speaker 2: of this, but I do remember once having a conversation
• 32:11
  Speaker 2: with a boss. It wasn't me questioning it. It was like
• 32:14
  Speaker 2: in one of those team meetings they were like, yep,
• 32:16
  Speaker 2: and we were actually given a tip for this particular person,
• 32:19
  Speaker 2: so they got extra or something. And I feel like, yeah,
• 32:22
  Speaker 2: I would want my money going where I asked it
• 32:25
  Speaker 2: to go. I'm not just tipping the restaurant, Like, that's
• 32:28
  Speaker 2: not what I was doing. If I gave you something
• 32:29
  Speaker 2: to pay off your student loans, Does that make sense?
• 32:32
  Speaker 2: I don't know.
• 32:32
  Speaker 3: Yeah, no, I agree, And I think maybe i'll pop
• 32:35
  Speaker 3: that in the thread today in a Facebook group and
• 32:37
  Speaker 3: get people's thoughts, because I mean, we've all done it
• 32:40
  Speaker 3: a certain way my restaurant. You kept your own tips,
• 32:42
  Speaker 3: as you said, you guys split, So it's kind of
• 32:44
  Speaker 3: interesting to see what people think because there's not necessarily
• 32:48
  Speaker 3: a set right way to do it.
• 32:50
  Speaker 2: Yeah, and I want to know for people who still
• 32:52
  Speaker 2: work in the hospitality industry, because it's been a good
• 32:55
  Speaker 2: ten years for me, is tipping still a massive thing
• 32:58
  Speaker 2: and is it really important? Like should I be doing
• 33:00
  Speaker 2: it or is it an American thing? But also to
• 33:03
  Speaker 2: further that, Jess, I feel like this is like lottery tickets,
• 33:07
  Speaker 2: like that seems really far fetched, but I know I've
• 33:11
  Speaker 2: read a few stories historically of people giving those like
• 33:14
  Speaker 2: scratchy lotto tickets for Christmas, and obviously Christmas is coming up.
• 33:19
  Speaker 2: What would your expectation be if somebody won five bucks
• 33:23
  Speaker 2: on their scratchy jess.
• 33:25
  Speaker 3: Oh my gosh, I know exactly where you're going with this.
• 33:27
  Speaker 2: Yeah, right, so it's related. You guys looked at me
• 33:29
  Speaker 2: like I was crazy, But I'm not that bad shit.
• 33:32
  Speaker 3: I mean if I won, if you won five dollars,
• 33:34
  Speaker 3: I wouldn't care. But I've definitely seen the stories of
• 33:37
  Speaker 3: people giving a gift and the recipient winning.
• 33:39
  Speaker 2: Big, winning, like a million dollars, Like what happens?
• 33:43
  Speaker 3: Then?
• 33:43
  Speaker 2: No, so you gifted it to me?
• 33:44
  Speaker 3: Yeah the gift gif turning around and saying you owe
• 33:46
  Speaker 3: me a cut, which I just think is ridiculous. A
• 33:49
  Speaker 3: gift is a gift. You shouldn't be.
• 33:51
  Speaker 2: Yeah, but like that's awkward. So like I feel like
• 33:54
  Speaker 2: that plays into what we're talking about today, because if
• 33:57
  Speaker 2: she'd been tipped six dollars, I don't think anyone would
• 34:00
  Speaker 2: battered an nyhilid, But because it was like six grand,
• 34:03
  Speaker 2: everybody's like, oh no, you should be sharing that. I'm like,
• 34:06
  Speaker 2: where's the tipping point? Like would it have been one
• 34:08
  Speaker 2: hundred dollars, which ye, I've had to split hundred dollars?
• 34:10
  Speaker 2: What about three hundred dollars? Like where's that line? And
• 34:13
  Speaker 2: why does it exist? Is it other people's greed because
• 34:15
  Speaker 2: I feel like it's other people's greed.
• 34:17
  Speaker 3: Oh interesting, I feel like this comments thread is going
• 34:20
  Speaker 3: to get spye.
• 34:21
  Speaker 2: It does get spicy, but as always, guys, I think
• 34:24
  Speaker 2: we've been talking for wait too long. But before we
• 34:28
  Speaker 2: head off this week, we'd like to acknowledge and pay
• 34:30
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• 34:34
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• 34:37
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• 34:40
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• 34:42
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• 34:45
  Speaker 2: and we share our friendship and our kindness.
• 34:48
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  Speaker 4: Proprietary Limited a BN three four one three two four
• 35:11
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• 35:14
  Speaker 2: One See you next week.
• 35:15
  Speaker 4: Guys Bye, guys bye.