Latest / She's On The Money / MONEY DIARIES: Choosing to be childless & breaking stereotypes.

Transcript

MONEY DIARIES: Choosing to be childless & breaking stereotypes. · She's On The Money

• 0:00
  Speaker 1: Hello.
• 0:01
  Speaker 2: My name is Santasha Nabananga Bamblet. I'm a proud Order
• 0:05
  Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we
• 0:08
  Speaker 2: get started on She's on the Money podcast, I would
• 0:11
  Speaker 2: like to acknowledge the traditional custodians of the land of
• 0:14
  Speaker 2: which this podcast is recorded on a wondery country, acknowledging
• 0:18
  Speaker 2: the elders, the ancestors and the next generation coming through
• 0:23
  Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
• 0:27
  Speaker 2: the storytelling of you to make a difference for today
• 0:31
  Speaker 2: and lasting impact for tomorrow.
• 0:33
  Speaker 3: Let's get into it.
• 0:34
  Speaker 4: She's on the Money, She's on the Money.
• 0:57
  Speaker 1: Hello, and welcome to She's on the Money podcasts and
• 1:00
  Speaker 1: millennials who want financial freedom. Welcome back to another one
• 1:04
  Speaker 1: of our money diaries where I get the absolute privilege
• 1:07
  Speaker 1: of talking to one of our beautiful She's on the
• 1:09
  Speaker 1: Money community members all about their money story. Now, let's
• 1:13
  Speaker 1: jump straight into it, because this week I got a
• 1:15
  Speaker 1: message and it sounded exactly like this, Dear She's on
• 1:19
  Speaker 1: the Money team. My mum was the breadwinner. This made
• 1:22
  Speaker 1: me want to be as strong and independent as her.
• 1:25
  Speaker 1: This hasn't been easy. I've gone from making poor financial
• 1:29
  Speaker 1: decisions in my early twenties and falling victim to lifestyle
• 1:32
  Speaker 1: creep to finally feeling somewhat in control. I've made a
• 1:36
  Speaker 1: conscious choice not to have children, which has caused questions
• 1:39
  Speaker 1: and comments both positive and negative. I've overcome the stereotypes
• 1:44
  Speaker 1: of being in a male dominated industry, and I've concentrated
• 1:47
  Speaker 1: on my career for over a decade to get to
• 1:50
  Speaker 1: where I am now. With no degree, I made six
• 1:53
  Speaker 1: figures and I'm on my way to owning a million
• 1:56
  Speaker 1: dollar business with the hope to retire in my fifties.
• 2:00
  Speaker 1: That She's on the Money podcast and Facebook group has
• 2:02
  Speaker 1: helped me so much by changing my mindset about all
• 2:05
  Speaker 1: things money. I'm hoping I can give motivation to someone
• 2:08
  Speaker 1: else who might be feeling the same way about being
• 2:10
  Speaker 1: an independent, childless boss Money Doris, I'm so excited to
• 2:15
  Speaker 1: this episode.
• 2:16
  Speaker 3: Oh me too, Me too. I'm glad to be here.
• 2:18
  Speaker 1: How good, Oh my gosh. I cannot wait to dive
• 2:21
  Speaker 1: into it, but in the perviviest way possible. Before we
• 2:24
  Speaker 1: get there, can you give me an idea of what
• 2:26
  Speaker 1: you think your money habits are If I asked you
• 2:28
  Speaker 1: to give them a grade from A through to F I.
• 2:31
  Speaker 3: Think at this point in time, i'd probably give myself
• 2:33
  Speaker 3: a B minus.
• 2:34
  Speaker 1: All right, well, let's learn a little bit more about
• 2:37
  Speaker 1: that money, Daris. Let's dive straight in. Can you tell
• 2:40
  Speaker 1: me a bit more about your money story.
• 2:43
  Speaker 3: Yeah, for sure. So, as I said in my intro,
• 2:46
  Speaker 3: Mum was the breadwinner, so she always had the full
• 2:49
  Speaker 3: time job, never anything too big and fancy or I guess,
• 2:53
  Speaker 3: but Dad just did odd jobs and it was a
• 2:55
  Speaker 3: bit of a laborer, so he kind of had spells
• 2:58
  Speaker 3: where he wasn't working. So we were comfortable, but we
• 3:01
  Speaker 3: weren't wealthy or anything like that. We never went without
• 3:06
  Speaker 3: or had any problems that way, but I definitely noticed,
• 3:10
  Speaker 3: probably it was like eleven or twelve, the struggle that
• 3:13
  Speaker 3: was about when there was like a drought coming in.
• 3:16
  Speaker 3: There wasn't as much work around, so we definitely had
• 3:20
  Speaker 3: like a little bit of a dip in what we
• 3:22
  Speaker 3: could do and all of those types of things. Mum
• 3:26
  Speaker 3: was really good because she pushed us to go out
• 3:28
  Speaker 3: and get jobs when we were younger, Me and my siblings,
• 3:31
  Speaker 3: we did work in like factories and stuff like that
• 3:33
  Speaker 3: during the school holidays and you know, as like you know, thirteen,
• 3:37
  Speaker 3: fourteen year old, she'd get all this money and then
• 3:40
  Speaker 3: spend it.
• 3:41
  Speaker 1: Yep. Great, I feel like I can resonate with that
• 3:44
  Speaker 1: part of it.
• 3:45
  Speaker 3: Yeah, that started really really early, to be honest. So
• 3:48
  Speaker 3: obviously I like to spend money when I was younger,
• 3:50
  Speaker 3: and that didn't stop as I was getting older. And
• 3:54
  Speaker 3: then as I started, you know, finishing high school, working
• 3:57
  Speaker 3: started working full time, and as I started building in
• 4:01
  Speaker 3: my career, I just obviously started earning more and more
• 4:04
  Speaker 3: and more and more, and I absolutely got stuck with
• 4:07
  Speaker 3: lifestyle creep that one hundred percent. I'll put my hand
• 4:10
  Speaker 3: up for that one.
• 4:11
  Speaker 1: It's so easy, though, you just like slip into it.
• 4:14
  Speaker 1: And I feel like if I explain that concept to
• 4:17
  Speaker 1: people who haven't really spoken about their money story before,
• 4:20
  Speaker 1: they're like, yeah, okay, whatever, Like inflation, things get more
• 4:24
  Speaker 1: expensive over time, and I'm like, oh no, it's not
• 4:26
  Speaker 1: just inflation getting us, it's us getting us.
• 4:29
  Speaker 3: Yeah. Absolutely, And so I was one of those people
• 4:33
  Speaker 3: that quite a few years ago, I did get stuck
• 4:35
  Speaker 3: in a bit of bad debt, and I had credit
• 4:37
  Speaker 3: cards and whatnot because it was kind of so open
• 4:41
  Speaker 3: and available. But I did learn that that was terrible
• 4:44
  Speaker 3: and I've got a bit of anxiety with not having
• 4:46
  Speaker 3: any money and whatnot. So I got myself out of that,
• 4:48
  Speaker 3: so that was fine, And to be honest, it wasn't
• 4:51
  Speaker 3: until I found the podcast that I really realized, God,
• 4:54
  Speaker 3: I'm not doing a good job here and I really
• 4:57
  Speaker 3: need to change what I'm doing. And I have so
• 5:01
  Speaker 3: much open to me and it's silly that I'm just
• 5:03
  Speaker 3: wasting it all away. So I kind of concentrated on,
• 5:07
  Speaker 3: you know, looking at my super and you know, making
• 5:10
  Speaker 3: a bit of a budget and kind of understanding what
• 5:12
  Speaker 3: I was doing there. But one thing that really got
• 5:14
  Speaker 3: me was actually having a discussion with some friends and
• 5:18
  Speaker 3: we're very open. You know, I've got some really good
• 5:20
  Speaker 3: friends that have businesses and whatnot, and having them to
• 5:24
  Speaker 3: bounce off and kind of, you know, realize that if
• 5:28
  Speaker 3: I want to be as successful as I want to be,
• 5:30
  Speaker 3: I really need to change my habits and my lifestyle
• 5:34
  Speaker 3: a little little bit.
• 5:35
  Speaker 1: I love that, So tell me a bit more about
• 5:37
  Speaker 1: this changing my lifestyle a little bit. Because you dropped
• 5:41
  Speaker 1: in your letter in you currently own six figures and
• 5:44
  Speaker 1: you're on your way to owning a multimillion dollar business, Like,
• 5:47
  Speaker 1: where is that coming? Into your money story because we
• 5:50
  Speaker 1: need to know.
• 5:50
  Speaker 3: Yeah, so obviously I have a very good job. I
• 5:54
  Speaker 3: adore my job, I love what I do, and I
• 5:57
  Speaker 3: have been very fortunate to work with some great people
• 6:00
  Speaker 3: and get myself into a spot where I have the
• 6:03
  Speaker 3: ability to purchase into a business. And that's where that
• 6:07
  Speaker 3: six figures comes from. It's a huge undertaking and it
• 6:11
  Speaker 3: is something that's been going on for the last couple
• 6:12
  Speaker 3: of years, which has probably given me like the biggest
• 6:16
  Speaker 3: smack to kind of say, I really need to be
• 6:19
  Speaker 3: better with my money because this is a huge commitment
• 6:21
  Speaker 3: to take on. I love that.
• 6:23
  Speaker 1: So tell me a bit more about this business. How
• 6:25
  Speaker 1: do you get yourself in a position where you're earning
• 6:27
  Speaker 1: great money and you also have been given that opportunity,
• 6:29
  Speaker 1: because that's not an opportunity we all get, like so
• 6:32
  Speaker 1: many of us get really good jobs and it's never
• 6:34
  Speaker 1: on the table to buy into a business, Like how
• 6:36
  Speaker 1: does that eventuate?
• 6:37
  Speaker 3: Yeah, So, in the industry that I'm in, it basically
• 6:41
  Speaker 3: is people own their own small business within a business.
• 6:45
  Speaker 3: Basically is kind of the easiest way to work it out.
• 6:48
  Speaker 1: Is it a bit like a franchise without being a franchise.
• 6:51
  Speaker 1: So there's like one main owner and then you get
• 6:54
  Speaker 1: to own like a subsidiary.
• 6:55
  Speaker 3: Maybe No, So it's more like you own your business
• 6:58
  Speaker 3: and you're under an umbrella of and kels. So I
• 7:02
  Speaker 3: guess I'm trying to think of if there's something similar
• 7:05
  Speaker 3: like probably like let's say a mortgage broke it. They
• 7:07
  Speaker 3: might work for a certain company, but they actually own
• 7:11
  Speaker 3: their client base.
• 7:12
  Speaker 1: Yes, okay, So this is where you might be like
• 7:15
  Speaker 1: self employed but work for someone.
• 7:17
  Speaker 3: Yeah.
• 7:18
  Speaker 1: Correct, And is the benefit to you, like in that circumstance,
• 7:21
  Speaker 1: is the benefit to you that you get like the
• 7:23
  Speaker 1: brand and the exposure and you don't have to think
• 7:25
  Speaker 1: about that stuff. But you get to then and the
• 7:27
  Speaker 1: hell you know, and the admin help. Yeah, and then
• 7:29
  Speaker 1: you get to kind of like own your clients and
• 7:31
  Speaker 1: own your quote business.
• 7:33
  Speaker 3: That's it.
• 7:33
  Speaker 1: That's kind of cool, isn't it. Yeah?
• 7:36
  Speaker 3: Yeah, so's it's pretty full on when you look at it,
• 7:38
  Speaker 3: to be honest, But it doesn't come up very easily
• 7:42
  Speaker 3: and often for people, I'd say, you know, because it
• 7:44
  Speaker 3: basically comes around when people look to retire.
• 7:46
  Speaker 1: Yeah, okay, And that's.
• 7:48
  Speaker 3: Kind of where it's come up for me. I worked
• 7:51
  Speaker 3: with an absolutely wonderful person who has recently retired, and
• 7:56
  Speaker 3: his basically plan for me is that, like, I just
• 7:59
  Speaker 3: look after the business at the moment and eventually I'll
• 8:03
  Speaker 3: buy it.
• 8:04
  Speaker 1: Okay, cool. I love that. So let's segue into the
• 8:07
  Speaker 1: next question. I need to know the pervy details. What
• 8:10
  Speaker 1: do you do exactly for work? And how much money
• 8:12
  Speaker 1: do you currently earn?
• 8:14
  Speaker 3: Yeah, so I'm an insurance broker.
• 8:16
  Speaker 1: That's why you knew about mortgage broking. I was like,
• 8:19
  Speaker 1: what is she talking about? Like and then you went
• 8:21
  Speaker 1: into mortgage broking. I'm like, that makes a lot of
• 8:23
  Speaker 1: sense to me because I own a mortgage breaking business.
• 8:26
  Speaker 1: But how does she know?
• 8:28
  Speaker 3: Okay? I was like, how do I say it without
• 8:29
  Speaker 3: giving it away too quickly?
• 8:31
  Speaker 1: I love that, Thank you for trying to keep the
• 8:33
  Speaker 1: illusion going.
• 8:35
  Speaker 3: And I earn just over one hundred and fifty thousand okay, nice,
• 8:40
  Speaker 3: and plus I get an annual bonus.
• 8:42
  Speaker 1: Okay, So tell me how that one fifty is made
• 8:45
  Speaker 1: up of. Is that like commissions and a base or
• 8:48
  Speaker 1: is that like just a set amount? And like, tell
• 8:51
  Speaker 1: me about this bonus. I need to know all of
• 8:53
  Speaker 1: the deeds.
• 8:54
  Speaker 3: Yeah. So basically that is just a pure salary. That's
• 8:57
  Speaker 3: just my salary. I don't get any commissions or or
• 9:00
  Speaker 3: anything like that at this stage. I'm purely just an employee.
• 9:03
  Speaker 1: I would be an employee for one hundred and fifty
• 9:05
  Speaker 1: thousand dollars, so yeah, yeah, sure, good deal.
• 9:08
  Speaker 3: And the bonus is basically my boss. Now she gives
• 9:13
  Speaker 3: me ten percent of our growth.
• 9:16
  Speaker 1: Oh okay, that's exciting. Does that really motivate you to
• 9:20
  Speaker 1: keep bringing on new clients and grow the business?
• 9:22
  Speaker 3: Absolutely? And to be honest, that's the reason why we've
• 9:25
  Speaker 3: done it this way for them, it was the best
• 9:28
  Speaker 3: idea to one keep me on, keep me motivated, and
• 9:33
  Speaker 3: make me want to, you know, bring more people in. Basically, Oh,
• 9:36
  Speaker 3: I love this.
• 9:37
  Speaker 1: That is actually such a motivating way to kind of
• 9:39
  Speaker 1: like build it without I feel like in this industry
• 9:43
  Speaker 1: sometimes it can be seen as bad to get commissions,
• 9:45
  Speaker 1: and I mean that's definitely a stereotype that doesn't exist anymore.
• 9:49
  Speaker 1: A lot of people think it's bad, but at the
• 9:52
  Speaker 1: end of the day, it's now set fee across the
• 9:54
  Speaker 1: industry and there's no real additional commissions like they used
• 9:58
  Speaker 1: to be. I mean, it used to be the wild,
• 10:00
  Speaker 1: wild West. Like you've probably been in this as long
• 10:03
  Speaker 1: as I've been in financial advice and mortgage broking, and
• 10:06
  Speaker 1: you hear all the stories of what all the conferences
• 10:09
  Speaker 1: and stuff used to be like, and you're like, oh,
• 10:11
  Speaker 1: my lord, that is not what life is like now.
• 10:13
  Speaker 1: We're like so vanilla. But I find it super interesting
• 10:17
  Speaker 1: to ask people in this industry about I guess what
• 10:20
  Speaker 1: they're working towards, talking about what we're working towards. What
• 10:24
  Speaker 1: are your big money goals? What are you currently working towards?
• 10:27
  Speaker 3: Yeah, well, I am hoping to buy a house soon hopefully.
• 10:31
  Speaker 3: And then the other big money goal is I need
• 10:33
  Speaker 3: to put money away because buying into a business is
• 10:37
  Speaker 3: quite a large expense and there will be a very
• 10:40
  Speaker 3: large loan attached to that.
• 10:42
  Speaker 1: Yeah. I was going to say, are you going to
• 10:44
  Speaker 1: save up for that? Or are you going to get
• 10:45
  Speaker 1: a business loan?
• 10:46
  Speaker 5: Like?
• 10:46
  Speaker 1: Have you looked into what servicing for that might look like?
• 10:49
  Speaker 3: Yeah? Luckily, we've actually had quite a few people around
• 10:52
  Speaker 3: us do similar, So I've got quite a few people
• 10:55
  Speaker 3: to bounce things off of and chat two and get
• 10:58
  Speaker 3: their opinions on how it will and all that type
• 11:00
  Speaker 3: of stuff. It'll be like a small chunk here and
• 11:04
  Speaker 3: there to start with, and.
• 11:06
  Speaker 1: That's the nicest way to do it. You don't have
• 11:08
  Speaker 1: to go whole hog and like get the biggest loan.
• 11:10
  Speaker 3: Ever.
• 11:12
  Speaker 1: How good, that's so exciting. All right, let's go to
• 11:15
  Speaker 1: a really quick break on the flip side. I want
• 11:17
  Speaker 1: to talk to you about your best and worst money habits.
• 11:19
  Speaker 1: I'm super pervy on those because I know that you've
• 11:22
  Speaker 1: changed them since joining the She's on the money community.
• 11:24
  Speaker 1: And I want to know a bit more about the
• 11:26
  Speaker 1: debt that you got yourself into when you're a little
• 11:28
  Speaker 1: bit earlier and didn't make as great a money decisions.
• 11:31
  Speaker 1: So guys, don't go anywhere. All right, money divest We
• 11:37
  Speaker 1: are back, And first thing off the bat, I want
• 11:39
  Speaker 1: to know for me, business is the biggest investment, Like,
• 11:43
  Speaker 1: that's where most of my money goes. Do you currently
• 11:46
  Speaker 1: invest If so, what in? If not, what's the plan
• 11:49
  Speaker 1: and how does that work for you?
• 11:51
  Speaker 3: Yeah? I do a little bit. So I have just
• 11:54
  Speaker 3: a small amount in some ETFs, so that's obviously from
• 11:58
  Speaker 3: listening to you, and I'll just decided to jump in
• 12:01
  Speaker 3: there a little bit. But I did put that on
• 12:03
  Speaker 3: hold from putting more in just so I could save
• 12:06
  Speaker 3: money for the house and do all of that type
• 12:07
  Speaker 3: of thing. Yeah, and then I've got my super which
• 12:10
  Speaker 3: is at about one hundred and twenty five thousand.
• 12:13
  Speaker 1: How exciting. Tell me a bit more about this investing
• 12:16
  Speaker 1: journey when you started, How did you pick a platform?
• 12:19
  Speaker 1: How did you pick the ETFs that you wanted to
• 12:21
  Speaker 1: invest in?
• 12:22
  Speaker 3: I did look at you know, spaceship and things like that,
• 12:25
  Speaker 3: but I decided to just use the comm sec.
• 12:29
  Speaker 1: YEP, perfect app feel safe right, Yeah.
• 12:32
  Speaker 3: And it was quite easy and there wasn't a million
• 12:36
  Speaker 3: choices and things to look at. It was kind of a.
• 12:38
  Speaker 1: Concept pocket yeah yeah, yeah, so like the one that
• 12:40
  Speaker 1: you got a little bit of a condensed list of
• 12:42
  Speaker 1: ets Yeah, okay, I love that for someone who has
• 12:45
  Speaker 1: analysis paralysis.
• 12:47
  Speaker 3: M hmmm. So it was good to just like kind
• 12:49
  Speaker 3: of have a read and understand a little bit as
• 12:52
  Speaker 3: to what they were offering and what that actually looked like,
• 12:55
  Speaker 3: to just like, you know, put my toes in the
• 12:57
  Speaker 3: water and see how it went. Yeah.
• 12:58
  Speaker 1: No, I love that. That's exactly how I feel like
• 13:01
  Speaker 1: most people start investing. And I've heard really good things
• 13:04
  Speaker 1: about Contact Pocket because it does have that condensed list.
• 13:06
  Speaker 1: You're like, okay, now I'm not looking at hundreds of them,
• 13:09
  Speaker 1: I like have ten, let's go from there. So that's
• 13:12
  Speaker 1: super exciting. Debt do you currently have any and if not,
• 13:17
  Speaker 1: can you tell me a bit more about your debt
• 13:19
  Speaker 1: story when you got yourself into a little bit of
• 13:22
  Speaker 1: a lifestyle creep conundrum.
• 13:24
  Speaker 3: Of course, Yes, I do have a car loan. Actually
• 13:28
  Speaker 3: was listening to one of the earlier episodes and someone
• 13:31
  Speaker 3: was talking about having a car loan with a balloon yeah,
• 13:34
  Speaker 3: and that really resonated with me because that seems terrifying,
• 13:38
  Speaker 3: you know, getting to the end of a loan cycle
• 13:39
  Speaker 3: and then having to pay a lump sum. But I
• 13:42
  Speaker 3: actually got my car on a balloon payment scheme. But
• 13:47
  Speaker 3: I spoke with the financial guy at the car yard
• 13:51
  Speaker 3: and I'm actually just paying extra to get it.
• 13:54
  Speaker 1: Paid off quicker and like not have to have Yeah.
• 13:56
  Speaker 3: Yeah, yeah. And basically they had like a deal going
• 14:00
  Speaker 3: on and the rate was so much cheaper if you
• 14:03
  Speaker 3: took the balloon option. Yeah.
• 14:05
  Speaker 1: Isn't it crazy how much they kind of incentivize you
• 14:09
  Speaker 1: to stay in.
• 14:10
  Speaker 3: Debt, Yeah exactly. But he was so good and he
• 14:13
  Speaker 3: just said, if you pay this much per fortnite, whatever
• 14:16
  Speaker 3: it is, you'll have it paid off before that date.
• 14:18
  Speaker 3: And you'd be all good and you won't have anything
• 14:20
  Speaker 3: to pay. So that was I thought, fantastic advice.
• 14:24
  Speaker 1: Yeah, like we're all going to go with a lower
• 14:26
  Speaker 1: interest rate?
• 14:27
  Speaker 3: Yes, please exactly. Yeah. Yeah.
• 14:29
  Speaker 1: Does that make you feel I mean we're in the
• 14:31
  Speaker 1: middle of cost of living crisis? Does that also make
• 14:33
  Speaker 1: you feel a little bit more secure knowing that if
• 14:36
  Speaker 1: things hit the fan, you could lower how much you're
• 14:38
  Speaker 1: paying on your car and still be okay? Or is
• 14:41
  Speaker 1: that something that you haven't really thought of?
• 14:43
  Speaker 3: Yeah, I guess it does. While I'm in the last
• 14:45
  Speaker 3: like little leg of you know, saving money for a house,
• 14:49
  Speaker 3: it is actually quite good because I have dropped that
• 14:52
  Speaker 3: payment slightly just to add those extra couple of dollars
• 14:55
  Speaker 3: into the savings account.
• 14:56
  Speaker 1: Yeah, it's given you a bit more flexibility.
• 14:58
  Speaker 3: Because I look at the you know, what's O and
• 15:00
  Speaker 3: blah blah blah, work out the calculation, and I'm already
• 15:02
  Speaker 3: way ahead than what I actually need to be. So yes,
• 15:05
  Speaker 3: it is. It's a nice piece of mind for sure.
• 15:07
  Speaker 1: And how much is your car loan right now? And
• 15:09
  Speaker 1: what did you take out?
• 15:11
  Speaker 3: So it was forty eight thousand and I've got twenty
• 15:17
  Speaker 3: five thousand left on it. Yeah, so I think it
• 15:21
  Speaker 3: should be paid off in about eighteen months.
• 15:23
  Speaker 1: How cool? Can I ask what type of car does
• 15:25
  Speaker 1: a forty eight thousand dollar loan get you?
• 15:27
  Speaker 3: Well? I did also have a trade in.
• 15:30
  Speaker 1: Oh, you're about to tell me a bougie option which
• 15:33
  Speaker 1: she's a fancy girl.
• 15:36
  Speaker 3: I actually yeah, I drive, are you?
• 15:38
  Speaker 1: Yeah?
• 15:38
  Speaker 3: Cool?
• 15:39
  Speaker 1: You don't take me as a yute gurlie.
• 15:40
  Speaker 3: But I love this well, to be honest, it all
• 15:43
  Speaker 3: fits in with my work, so I do a lot
• 15:46
  Speaker 3: of long driving and country and stuff like. That's so fair.
• 15:50
  Speaker 1: Okay, So the type of insurance broking you're in is
• 15:53
  Speaker 1: not like life insurance for people in the CBD. No,
• 15:57
  Speaker 1: it's more maybe like agricultural and farming. Is that right?
• 16:01
  Speaker 3: Yeah, I have a lot of that. I also specialize
• 16:04
  Speaker 3: in hard to place Ah cool, yeah, so big like manufacturing,
• 16:09
  Speaker 3: you know, basically anything that can hurt people or yeah
• 16:12
  Speaker 3: yeah yeah and in a bad way.
• 16:14
  Speaker 1: Oh that would be so interesting to do. Do you
• 16:16
  Speaker 1: love it in addition to it being a really good career?
• 16:18
  Speaker 4: Oh?
• 16:19
  Speaker 3: Yeah, I mean I say to people it's stressful quite
• 16:23
  Speaker 3: a lot. Yea, it will be, but I absolutely love it.
• 16:25
  Speaker 3: I don't know what it is and whether I'm just
• 16:27
  Speaker 3: a weird person that likes things like that.
• 16:28
  Speaker 1: But ye, no you're not. I get it. I get
• 16:30
  Speaker 1: it all right, Tell me a bit more. You've obviously
• 16:33
  Speaker 1: changed your money habits more recently. What's your best money habit.
• 16:37
  Speaker 3: My best money habit would probably have to be that
• 16:39
  Speaker 3: if I decide on something, I am pretty good at
• 16:44
  Speaker 3: getting it done. So if I sat down one day
• 16:47
  Speaker 3: and said I need to change, I need to stop
• 16:50
  Speaker 3: spending and save a bit more, I will do it.
• 16:52
  Speaker 3: Like if I put a goal, then I'll cut corners
• 16:55
  Speaker 3: and do what I need to do to make sure
• 16:57
  Speaker 3: I get there. So that's probably my best one.
• 16:59
  Speaker 1: That's actually a fantastic habit. Like doing what I said
• 17:03
  Speaker 1: I was going to do is something I am not
• 17:05
  Speaker 1: that great at. I'm always like, oh, I'll be better
• 17:07
  Speaker 1: at X, or I'll be better at Y at some
• 17:10
  Speaker 1: point in the future, and then I don't do it.
• 17:12
  Speaker 1: Like if that was my money habit, I'd be so
• 17:14
  Speaker 1: proud of myself.
• 17:15
  Speaker 3: Yeah, well, I mean, once I get to the end,
• 17:18
  Speaker 3: I am, and to be honest, I'm not perfect, so.
• 17:20
  Speaker 1: I do sometimes no one is come on.
• 17:23
  Speaker 3: Starter on these things, but it definitely is something that
• 17:26
  Speaker 3: I am. I'm glad that I can do if I
• 17:28
  Speaker 3: need to.
• 17:29
  Speaker 1: I love that. Can we flip the narrative? What are
• 17:31
  Speaker 1: you not so good at? What's your worst money habit?
• 17:33
  Speaker 3: I'm just a spendy gal ah girl.
• 17:36
  Speaker 1: Same what do we spendy on?
• 17:37
  Speaker 3: Though I'm an absolute yes man. I will say yes
• 17:41
  Speaker 3: to absolutely anything, so if that's a dinner, a night out,
• 17:45
  Speaker 3: an activity, I'm one of those people like I recharge
• 17:49
  Speaker 3: with others. So I'm always out about doing things. And
• 17:52
  Speaker 3: you know, even if you just go out for breakfast,
• 17:54
  Speaker 3: it's an expensive thing these days to go out for breakfast.
• 17:57
  Speaker 1: Why is it so expensive? My husband and I went
• 18:01
  Speaker 1: out on the weekend and he had like this fancy
• 18:04
  Speaker 1: eggs benedict thing that looked really good. I'm so basic.
• 18:07
  Speaker 1: I always get two poached eggs on toast, like I
• 18:09
  Speaker 1: can't be changed. Two coffees. It was like sixty dollars.
• 18:13
  Speaker 1: Be for real, be for real, Like, do you remember
• 18:17
  Speaker 1: back in the day it used to be like fifteen
• 18:18
  Speaker 1: dollars for breakfast and maybe a coffee will push it
• 18:20
  Speaker 1: close to twenty, but.
• 18:21
  Speaker 3: It wasn't exactly. And that's you add that and then
• 18:24
  Speaker 3: you kind of go all right, Well, I'm also going
• 18:26
  Speaker 3: out for dinner that night, or you know, going out
• 18:28
  Speaker 3: with the girls for drinks or whatever it might be.
• 18:30
  Speaker 3: That's usually my kryptonite. I don't don't like to say no.
• 18:36
  Speaker 1: It adds up, hey, Like I just I can't get
• 18:39
  Speaker 1: over it. And like I'm very privileged in that I'm
• 18:42
  Speaker 1: still able to afford to do that, Like we put
• 18:45
  Speaker 1: it into our budget and we make it happen, and
• 18:48
  Speaker 1: that's something that we really value. But it's so tough
• 18:52
  Speaker 1: at the moment because I look at that and I
• 18:53
  Speaker 1: go historically for me, I don't know about you, dinner
• 18:57
  Speaker 1: and breakfast, like they used to be two different price points.
• 19:00
  Speaker 1: Like breakfast used to be like the hey, girlfriend, let's
• 19:03
  Speaker 1: go out for brecky because it's like cheaper and you know,
• 19:05
  Speaker 1: we can go for a walk after and like it's
• 19:07
  Speaker 1: not the expensive option. And now I feel like I'm
• 19:10
  Speaker 1: spending exactly what I would at brunch on dinner like
• 19:15
  Speaker 1: before real I can't deal with that. That's not fair.
• 19:18
  Speaker 3: Yeah, And I think that probably leads on to my
• 19:20
  Speaker 3: second worst habit is that I don't know where all
• 19:22
  Speaker 3: my money goes. So I have like it's set up
• 19:25
  Speaker 3: that I know that you know, when I get paid,
• 19:28
  Speaker 3: all my money goes to my bills and this and
• 19:30
  Speaker 3: this and this, and they all sit in their own accounts.
• 19:32
  Speaker 3: But then I just have, you know, my spending money,
• 19:36
  Speaker 3: and then I look at that and it just and
• 19:38
  Speaker 3: I don't know where it goes in the end.
• 19:40
  Speaker 1: Why do you think that is?
• 19:41
  Speaker 3: I I've just never been a person to keep track
• 19:44
  Speaker 3: of it. I've not ever been that person that hasn't
• 19:48
  Speaker 3: been able to pay something or have got to that
• 19:50
  Speaker 3: point where I've.
• 19:51
  Speaker 1: Had an issue forced into it.
• 19:53
  Speaker 3: And that's probably what's come from having this higher income,
• 19:56
  Speaker 3: is that I kind of sit there and I probably
• 19:58
  Speaker 3: give myself too much money to play with and I
• 20:01
  Speaker 3: don't need to see where it's all going or see
• 20:05
  Speaker 3: what's happening with it. Albeit I did just change that,
• 20:10
  Speaker 3: made a decision on Sunday that I do need to
• 20:13
  Speaker 3: cut down on my spending et cetera, et cetera, because
• 20:16
  Speaker 3: I'm getting so close to the buying the house situation
• 20:18
  Speaker 3: that I really need. Yeah, that's exciting, pull that down.
• 20:22
  Speaker 1: Yeah, And I feel like the second you get the house,
• 20:24
  Speaker 1: the spending just increases. And even if you have a
• 20:26
  Speaker 1: fully furnished house right now, like you will always find
• 20:29
  Speaker 1: things that you need to purchase in this new house
• 20:31
  Speaker 1: above and beyond all of the actual property costs. You're like,
• 20:34
  Speaker 1: oh my gosh, well, actually there's a spare corner here.
• 20:36
  Speaker 1: I need a side table. You might be buying it
• 20:38
  Speaker 1: on Marketplace, but that's still money going out the door.
• 20:41
  Speaker 1: Like it is wild how that compounds. I'm going to
• 20:44
  Speaker 1: help you out. I'm going to gift to you our
• 20:46
  Speaker 1: money Masterclass so that you can kind of get on
• 20:48
  Speaker 1: top of it, mainly because I'm really proud of it,
• 20:51
  Speaker 1: like I just want everyone to have it. And I
• 20:53
  Speaker 1: think that that'll give you really good insight into where
• 20:55
  Speaker 1: your money is going. And I think the best thing
• 20:58
  Speaker 1: is that it's all automated, so it's like really low effort.
• 21:01
  Speaker 1: So put all your income in, put what you're spending
• 21:04
  Speaker 1: in there, and it will spit out like what bank
• 21:06
  Speaker 1: accounts things need to go to, and like the percentages
• 21:09
  Speaker 1: you're spending on, which you don't need to adhere to percentages.
• 21:13
  Speaker 1: If you know me well enough, you know that I
• 21:15
  Speaker 1: don't like budgeting on percentages, but I do love knowing
• 21:18
  Speaker 1: what percentage of my income's going to rent or what
• 21:20
  Speaker 1: percentage of my income. Am I able to save, not
• 21:24
  Speaker 1: so that I can benchmarket against other people. I just
• 21:26
  Speaker 1: like being comfy with my own numbers.
• 21:29
  Speaker 3: Absolutely, we will love numbers.
• 21:30
  Speaker 1: So we will set you up with that. But what
• 21:32
  Speaker 1: I'm hearing right now is that you're pretty money savvy,
• 21:35
  Speaker 1: and I mean you're clearly being offered an epic opportunity,
• 21:39
  Speaker 1: like the fact that you'll be able to own a
• 21:41
  Speaker 1: million dollar business and potentially retire in your fifties, like
• 21:45
  Speaker 1: that is elite. One thing we didn't get onto that
• 21:48
  Speaker 1: you mentioned in your money story, because you know, like
• 21:51
  Speaker 1: we're here to talk about money, but this is more
• 21:53
  Speaker 1: of a personal thing, you said. I've made the conscious
• 21:56
  Speaker 1: choice to not have children, which has caused questions and
• 21:59
  Speaker 1: comments both positive and negative. I'd love to touch on
• 22:02
  Speaker 1: this because I feel like it's such a fickle space,
• 22:05
  Speaker 1: like and I honestly, and I do apologises. I forgot
• 22:08
  Speaker 1: to ask about it because it's not important to me
• 22:10
  Speaker 1: whether you have kids or not, but I feel like
• 22:12
  Speaker 1: it is really important to a lot of other people.
• 22:14
  Speaker 1: Often they'll go, oh, what's your name, Oh what do
• 22:16
  Speaker 1: you do for work? Oh do you have kids? Like
• 22:18
  Speaker 1: it's the next question, So tell me about that. Decision
• 22:22
  Speaker 1: and how hard it was to make, or like how
• 22:25
  Speaker 1: that's impacted your life.
• 22:26
  Speaker 3: To be honest, it's probably been a decision that I
• 22:30
  Speaker 3: made a long, long time ago, you know, it's it's
• 22:32
  Speaker 3: not been in the last a few years or whatever
• 22:35
  Speaker 3: that might be. And I've been pretty steadfast in it.
• 22:38
  Speaker 3: You know, when you just know something it's.
• 22:39
  Speaker 1: Not for you, it's not for me.
• 22:40
  Speaker 3: Yeah, yeah, And you know, don't get me wrong, Like,
• 22:43
  Speaker 3: I love my niece and I've got you know, there's
• 22:46
  Speaker 3: lots of people around me with babies and I love them,
• 22:49
  Speaker 3: but it's just not my future. I just don't see it.
• 22:52
  Speaker 1: I love that for you, like I just love that
• 22:54
  Speaker 1: you've made the decision and it works for you. Although
• 22:57
  Speaker 1: as this isn't on you, I just think it's really
• 23:00
  Speaker 1: frustrating when I'm having a conversation like this, and when
• 23:03
  Speaker 1: anyone's having a conversation like this, you're probably going to
• 23:06
  Speaker 1: agree with me here, and you know, you say, oh,
• 23:08
  Speaker 1: I just don't want to have kids. Often we feel
• 23:11
  Speaker 1: the need to then justify it and go, oh, but
• 23:13
  Speaker 1: I do love my nieces, and I do love my nephews,
• 23:15
  Speaker 1: and I really love all the other kids in my life. Like,
• 23:17
  Speaker 1: of course you do, Like there are other humans in
• 23:19
  Speaker 1: your life, like, oh, it's like my friends who are like,
• 23:22
  Speaker 1: oh yeah, I just don't like men, like I like
• 23:25
  Speaker 1: seeing women. But it doesn't mean I hate men. It
• 23:28
  Speaker 1: doesn't mean like we don't have to justify it. You
• 23:30
  Speaker 1: don't have to have kids, you don't need to do this.
• 23:32
  Speaker 1: You've made this conscious decision and it's in your best interests.
• 23:35
  Speaker 1: And I just think it's so wild that we automatically
• 23:38
  Speaker 1: default to feeling the need to justify our own decisions
• 23:42
  Speaker 1: as though we owe somebody else an explanation. And I'm
• 23:45
  Speaker 1: not meaning to call you out on that, but I'm
• 23:47
  Speaker 1: more saying, like, we all do it, and I just
• 23:50
  Speaker 1: look at it and go, babe, like, of course you do.
• 23:53
  Speaker 1: Like you've seem like a really kind, nice human and
• 23:56
  Speaker 1: just because you're choosing not to have children doesn't mean
• 23:58
  Speaker 1: you don't like them.
• 24:00
  Speaker 3: No, And I mean, this will, this will probably you know,
• 24:03
  Speaker 3: hit you a little bit. But for me, I did
• 24:07
  Speaker 3: make the conscious decision to tell my employer that I
• 24:12
  Speaker 3: wasn't going to be doing that, and in all honesty,
• 24:15
  Speaker 3: I think that is one of the main reasons why
• 24:18
  Speaker 3: I was able to get where I am.
• 24:22
  Speaker 1: Oh my god, that's so pervy and that pisces me off.
• 24:26
  Speaker 3: Yeah, because there wasn't that you know, weird thought process
• 24:29
  Speaker 3: that oh, she'll just go off and have kids at
• 24:32
  Speaker 3: some stage, so you know, we better not put too much,
• 24:34
  Speaker 3: you know, on them and blah blah blah blah blah, whereas.
• 24:37
  Speaker 1: You've just been really clear with them. Like, by the way,
• 24:39
  Speaker 1: this isn't for me.
• 24:41
  Speaker 3: Because I feel like I shouldn't have to. But at
• 24:43
  Speaker 3: the same time, I feel like if I didn't, then
• 24:46
  Speaker 3: I could have looked a bit different, if that makes sense.
• 24:49
  Speaker 1: Isn't it sad that that's the case, Like, I'm so
• 24:51
  Speaker 1: glad that you've used that to your own advantage, and
• 24:55
  Speaker 1: I think that women should be using every opportunity like
• 24:58
  Speaker 1: this to their advantage. Like, yeah, it sucks. No, I
• 25:02
  Speaker 1: don't want to be in this position and be put
• 25:03
  Speaker 1: behind because of that choice. But also we use what
• 25:07
  Speaker 1: we've got to use and make it work for us, right,
• 25:09
  Speaker 1: like get it? Yeah, And I mean, let's be honest,
• 25:12
  Speaker 1: if ever you decided to change your mind and had
• 25:14
  Speaker 1: a kid, you could be like, oh my gosh, miracle baby,
• 25:18
  Speaker 1: Like who saw this coming? Yeah, Oh this is meant
• 25:22
  Speaker 1: to be the stars are aligned and it's none of
• 25:25
  Speaker 1: their bloody business.
• 25:26
  Speaker 3: Exactly, But I guess that's probably you know, as I
• 25:29
  Speaker 3: mentioned in my story, you know, it is a very
• 25:32
  Speaker 3: male dominated industry because the way we service our clients.
• 25:37
  Speaker 3: Having that, you know, say, nine to twelve months off
• 25:41
  Speaker 3: after you've had a baby, is extremely hard to handle
• 25:46
  Speaker 3: from our kind of position, if that makes sense.
• 25:49
  Speaker 1: No, I get it as someone in finance, the way
• 25:51
  Speaker 1: people side eye me because I have had a baby,
• 25:54
  Speaker 1: and even the way people have side eyed me because
• 25:56
  Speaker 1: I say, oh, yeah, no, no, no, I dropped Harvey off
• 25:58
  Speaker 1: to daycare so it could come into recording. They're like,
• 26:01
  Speaker 1: Victoria is five months old, and I'm like, yep, because
• 26:03
  Speaker 1: like I have a career and a life, and like
• 26:05
  Speaker 1: this is what I've chosen. And just because I'm parenting
• 26:07
  Speaker 1: different to you doesn't make me a less apparent. And
• 26:10
  Speaker 1: I just feel like I'm probably in a situation like
• 26:12
  Speaker 1: you where I'm immediately defending my decisions even though I
• 26:16
  Speaker 1: know they're the right ones for me and my family.
• 26:18
  Speaker 3: Like be for real, Yeah it is. It's frustrating when
• 26:21
  Speaker 3: you do you have to kind of defend it in
• 26:23
  Speaker 3: some way. Yet if I didn't have a career or something,
• 26:27
  Speaker 3: someone would be judging me for that, Like, you know,
• 26:29
  Speaker 3: it's a never ending cycle.
• 26:32
  Speaker 1: Not everything is for everybody. You don't want a career, Slay,
• 26:36
  Speaker 1: I'm glad you know that you don't want a career.
• 26:38
  Speaker 1: You don't want to work, and you want to be
• 26:39
  Speaker 1: a stay at home mum. Like I hope that that
• 26:42
  Speaker 1: is the most fulfilling job you ever have, because that's
• 26:44
  Speaker 1: all you've ever wanted. Like, I don't care what you do,
• 26:48
  Speaker 1: as long as you have the tools and the resources
• 26:50
  Speaker 1: to make educated decisions about your life. And it is
• 26:54
  Speaker 1: a choice, not something you're forced into. I could not
• 26:57
  Speaker 1: care less.
• 26:58
  Speaker 3: Yeah, absolutely be.
• 27:00
  Speaker 1: For real Anyway, I'm glad that I asked you about
• 27:02
  Speaker 1: that because they feel like there are a lot of
• 27:04
  Speaker 1: people who would be going or how she do that?
• 27:07
  Speaker 1: Like what are the negative comments that people are making?
• 27:10
  Speaker 1: Because you mentioned here that there are like positive and negative,
• 27:13
  Speaker 1: and I feel like a lot of the positive are
• 27:15
  Speaker 1: going to be like, oh, you can focus on your career,
• 27:17
  Speaker 1: and oh my gosh, I'm glad you're doing the right
• 27:19
  Speaker 1: thing for you and get it. But like, are people
• 27:21
  Speaker 1: really that brazen that they're so negative?
• 27:23
  Speaker 3: Still? Yeah, people can be, And I guess that was
• 27:26
  Speaker 3: the reason why I wanted to put it in the story,
• 27:28
  Speaker 3: was because there are probably a lot of people out
• 27:30
  Speaker 3: there who do feel this way, and to be honest
• 27:33
  Speaker 3: to my mom a long time to understand that that
• 27:35
  Speaker 3: was kind of where I was going. But I'm like,
• 27:37
  Speaker 3: I've got siblings, I've got cousins. It's fine, babies around
• 27:40
  Speaker 3: and be right. But the negative comments that come out
• 27:42
  Speaker 3: of it always the same.
• 27:44
  Speaker 1: You'll change your mind, Why would I change my mind?
• 27:47
  Speaker 3: Always the same, And I'm like, okay, cool, maybe I do.
• 27:50
  Speaker 3: But it's always said with that malice of you know,
• 27:54
  Speaker 3: with that kind of thought process, like you're just being selfish.
• 27:58
  Speaker 3: You know you're not bring it out of this world,
• 28:00
  Speaker 3: so you're being selfish or you know this isn't what
• 28:02
  Speaker 3: you're meant to do, or how could you do that? Is?
• 28:05
  Speaker 3: It is really odd how.
• 28:08
  Speaker 1: Pressed someone else gets about your personal situation.
• 28:12
  Speaker 3: And unfortunately it's always usually comes from women.
• 28:14
  Speaker 1: Yes, I've noticed that. I find it wild when people
• 28:18
  Speaker 1: think that the decision to not have kids is selfish,
• 28:21
  Speaker 1: when it's probably one of the most selfless things you
• 28:23
  Speaker 1: can do, Like I've put me first. We are already
• 28:26
  Speaker 1: in a world that is arguably overpopulated. Who knows where
• 28:29
  Speaker 1: the world is going. It was a conundrum that I
• 28:31
  Speaker 1: had when my husband and I were choosing to have kids.
• 28:34
  Speaker 1: I was like, is this a world that we want
• 28:36
  Speaker 1: to bring a child into? Like is this what we
• 28:38
  Speaker 1: want to do? And if we are, we have to
• 28:41
  Speaker 1: commit fully to that, Like I don't want to be
• 28:43
  Speaker 1: a half parent, I don't want to be a parent.
• 28:44
  Speaker 1: That then decides, oh, this probably wasn't for me, Like
• 28:47
  Speaker 1: I wanted to be boots and all in and I am,
• 28:50
  Speaker 1: and I'm so glad because that's aligned to my values.
• 28:52
  Speaker 1: But like, I think, having become a parent, it's made
• 28:56
  Speaker 1: me realize now that the decision to not be a pair,
• 29:00
  Speaker 1: if you were even erring on the side of caution,
• 29:03
  Speaker 1: is a really powerful one because it's not for the weak.
• 29:07
  Speaker 1: It is not for the week.
• 29:08
  Speaker 3: No, not with all, not with all the h oh
• 29:11
  Speaker 3: really you know you get from people. It's actually it
• 29:14
  Speaker 3: gets a bit tiring at that time. So usually I
• 29:16
  Speaker 3: just don't say anything. I just say no, I don't
• 29:18
  Speaker 3: have kids.
• 29:18
  Speaker 1: You just look back at them and be like, oh,
• 29:20
  Speaker 1: and you chose to have kids with those genetics, like
• 29:22
  Speaker 1: be for real, all right, I want to know. Now
• 29:26
  Speaker 1: we've had a really good chat, and I feel like
• 29:28
  Speaker 1: you are one of these people that just knows themselves
• 29:30
  Speaker 1: and I love that, Like you know where you're going,
• 29:32
  Speaker 1: you know what you want out of life, Like you
• 29:34
  Speaker 1: graded yourself a BS, but you have a really good
• 29:37
  Speaker 1: grasp on what your money story was, and you're earning
• 29:40
  Speaker 1: great money. And you know, the one thing that you
• 29:43
  Speaker 1: did say was, oh, you know, I'm a bit of
• 29:44
  Speaker 1: a yes man. I'm a spendy goal but also my
• 29:48
  Speaker 1: second worst habit is that I don't know where my
• 29:50
  Speaker 1: money goes. And like that's so easily fixable. What would
• 29:53
  Speaker 1: it take to get you to an A plus?
• 29:55
  Speaker 3: To be honest, probably just being more aware of where
• 29:59
  Speaker 3: my money goes and what I'm actually spending on to
• 30:01
  Speaker 3: see if it's just you know, things that I can change,
• 30:05
  Speaker 3: you know, whether I you know, don't get a coffee
• 30:08
  Speaker 3: every day and I just I can make them at home.
• 30:10
  Speaker 3: I don't need I don't need a morning coffee every day.
• 30:12
  Speaker 3: Things like that. But to be honest, I think I
• 30:15
  Speaker 3: really need to probably speak to like a financial advisor
• 30:19
  Speaker 3: or something like that, just for the future planning.
• 30:23
  Speaker 1: Yeah, I've got one for you, I will set you
• 30:25
  Speaker 1: up off air. I feel like that's a really good idea,
• 30:28
  Speaker 1: especially because you have such clarity in your career and
• 30:31
  Speaker 1: what you're doing, and like, let's be honest, the biggest
• 30:34
  Speaker 1: financial burden these kids. You already know you're not going
• 30:36
  Speaker 1: to have that. Okay, well, how are we making ourselves wealthy?
• 30:40
  Speaker 3: Yeah? And that's and that's it, because I do look
• 30:42
  Speaker 3: at it and I say, you know, I do have
• 30:43
  Speaker 3: quite a high income. I should be doing more with it,
• 30:46
  Speaker 3: if that makes sense, or whether that's investing, whether that's
• 30:49
  Speaker 3: putting it in my super or whatnot. I've obviously had
• 30:52
  Speaker 3: the savings for a house being the main priority, but
• 30:55
  Speaker 3: once that's done, I really need to probably branch out
• 30:58
  Speaker 3: and think about it a bit more.
• 31:00
  Speaker 1: I love that. All right, Well, it doesn't seem like
• 31:03
  Speaker 1: you're that far off an A plus money Dorris. I
• 31:05
  Speaker 1: have loved this conversation. I feel like it's been an
• 31:08
  Speaker 1: empowering chat. I hope that everyone listening is kind of like, yeah,
• 31:12
  Speaker 1: I love this for you, and they kind of see
• 31:14
  Speaker 1: that choice to not have children slightly differently, and maybe
• 31:18
  Speaker 1: if everyone in the Shees on the Money community goes,
• 31:21
  Speaker 1: you know what we're gonna actively never have a thing
• 31:23
  Speaker 1: to say about anybody who chooses not to have children,
• 31:26
  Speaker 1: because you also don't know if it's a choice. Like
• 31:29
  Speaker 1: I have a few girlfriends who have the hand has
• 31:33
  Speaker 1: kind of been forced because of fertility issues, and now
• 31:35
  Speaker 1: they will say, yeah, yeah, we're choosing a child free
• 31:38
  Speaker 1: life and it's a choice, but it wasn't really a choice,
• 31:42
  Speaker 1: and I feel like that's none of your damn business.
• 31:44
  Speaker 3: Yeah. Absolutely, and that's the the hardest part. But do
• 31:48
  Speaker 3: we need to stop having that when you're having kids
• 31:50
  Speaker 3: conversation because it is it can be really triggering.
• 31:52
  Speaker 1: Get in the bin, all right, Well money, Doris, Thank
• 31:55
  Speaker 1: you so much. It has been an absolute pleasure, and
• 31:58
  Speaker 1: I know that our community is going to eat this
• 32:00
  Speaker 1: one up, so I really appreciate your willingness to share.
• 32:04
  Speaker 3: Thank you so much. Appreciate it.
• 32:11
  Speaker 5: The advice shared on She's on the Money is general
• 32:13
  Speaker 5: in nature and does not.
• 32:15
  Speaker 1: Consider your individual circumstances.
• 32:17
  Speaker 5: She's on the Money exists purely for educational purposes and
• 32:20
  Speaker 5: should not be relied upon to make an investment or
• 32:23
  Speaker 5: financial decision.
• 32:24
  Speaker 1: If you do choose to buy a financial product.
• 32:27
  Speaker 5: Read the PDS TMD and obtain appropriate financial.
• 32:30
  Speaker 1: Advice tailored towards your needs.
• 32:32
  Speaker 5: Victoria Divine and She's on the Money are authorized representatives
• 32:36
  Speaker 5: of money sheirper Pty Ltd ABN three two one six
• 32:40
  Speaker 5: four nine two seven seven zero eight AFSL four five
• 32:44
  Speaker 5: one two eight nine