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They Thought Insurance Was a Waste of Money. Then This Happened · She's On The Money

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  Speaker 1: My name's Tatasha Bamblet. I'm a proud First Nations woman
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  Speaker 1: and I'm here to acknowledge country. Te Glenn youan Ganya, Niana,
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  Speaker 1: Kaka yah y and Binahaka Nian our guy in Mbini,
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  Speaker 1: yakarum Jar, Dominyamiga Umaga, Ihowaka, Nilewaman damon Immlan Bumba bang
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  Speaker 1: gadabama In and now in Waka Ghana and yakarum Jar Watanadaa. Hello,
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  Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
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  Speaker 1: We thank acknowledge and respect the Abiginal people's land that
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  Speaker 1: we're gathering on today. Take pleasure in all the land
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  Speaker 1: and respect all that you see. She's on the Money
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  Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
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  Speaker 1: knowledge and resources for you to thrive.
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  Speaker 2: She's on the Money.
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  Speaker 3: She's on the Money. Hello, and welcome to She's on
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  Speaker 3: the Money, the podcast that lets you be pavy about
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  Speaker 3: other people's money stories for educational purposes, of course. Welcome
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  Speaker 3: back to another one one of our money diaries, brought
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  Speaker 3: to you by our friends at Sky Wealth, where I
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  Speaker 3: get the absolute privilege of sitting down with one of
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  Speaker 3: our incredible Shees on the Money community members and talking
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  Speaker 3: to them all about their journey. Let's jump straight into it,
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  Speaker 3: because this week I got a message and it sounded
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  Speaker 3: exactly like this high She's on the Money. After hearing
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  Speaker 3: countless discussions from the She's on the Money team, my
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  Speaker 3: husband and I finally decided to get our insurances assessed
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  Speaker 3: and updated through sky Wealth. Our policies were set up
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  Speaker 3: in late twenty twenty two, and a little over twelve
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  Speaker 3: months after setting it up, it was discovered that my
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  Speaker 3: husband had early stage renal cancer. Approximately eighteen months after
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  Speaker 3: our policies were set up, he was approved for a
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  Speaker 3: full trauma payout. Sky Wealth were phenomenal, not only in
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  Speaker 3: initial setup but throughout the whole claims process. I now
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  Speaker 3: recommend personal insurances to absolutely everyone. Also, my husband is
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  Speaker 3: now cancer free and doing very well. Money Diarist, What
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  Speaker 3: a stressful thing to go through.
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  Speaker 2: Yeah, yeah, it was. It was a lot of waiting,
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  Speaker 2: a lot of limbo for about six months. But we're
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  Speaker 2: out the other side. We're really lucky how it was caught.
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  Speaker 2: It was very early, very treatable, and he's doing great now.
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  Speaker 3: Oh my goodness. All right, I'm going to dive straight
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  Speaker 3: into the questions because I'm going to come back to that.
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  Speaker 3: I just have a lot of questions. But if I
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  Speaker 3: was to ask you to give yourself a money grade
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  Speaker 3: from A through to F, what would that grade be.
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  Speaker 2: I we put myself at about a B. I love
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  Speaker 2: that and a lot better than I used to be.
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  Speaker 2: There's still a lot of improvement.
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  Speaker 3: Okay, let's dive a little bit further in my favorite question,
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  Speaker 3: but I don't know if it's going to be my
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  Speaker 3: favorite question this time is can you tell me a
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  Speaker 3: little bit more about your money story and about your
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  Speaker 3: husband's diagnosis and everything that went on, because not only
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  Speaker 3: does that feel like it was really stressful, but you
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  Speaker 3: guys are quite young.
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  Speaker 2: Yeah. So we've been together a long time. We got
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  Speaker 2: together when I was seventeen, he was just turned eighteen.
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  Speaker 3: Just babies, Yeah, yeah, So most of our.
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  Speaker 2: Money stories together. We earned money and we spent it.
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  Speaker 2: We never really thought about it. We did what we
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  Speaker 2: wanted to do. We traveled, we had fun, and then
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  Speaker 2: about five years ago COVID hit Couldn't Travel. I found
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  Speaker 2: your podcast and actually started thinking, well, we might need
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  Speaker 2: to do something with our future. So I binged the
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  Speaker 2: heck out of your podcast.
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  Speaker 3: I love this.
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  Speaker 2: My millennial Money also got to be a run as well.
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  Speaker 3: Good good, We love Glenn, we love diversity of opinion.
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  Speaker 3: And I cannot say this enough, like, listen to all
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  Speaker 3: of the money podcasts, not just my little Colt. Like
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  Speaker 3: all of them because there might be something that they
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  Speaker 3: say that resonates better. And I don't care as long
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  Speaker 3: as you're in a better position ten out of ten.
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  Speaker 2: Absolutely, But when you're listening to repeat podcasts with Phil,
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  Speaker 2: you're like, I need to do that now. So I did.
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  Speaker 2: We reached out to them. They were amazing. They laid
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  Speaker 2: out all the options. We took them up on everything
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  Speaker 2: they suggested. Mine was abysmal what I had set up,
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  Speaker 2: so we cann't mine when all new vies with.
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  Speaker 3: Them, isn't it's so disappointed. Oh yeah, it was terrible
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  Speaker 3: because you just go, oh, I've been wasting money on Wait,
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  Speaker 3: they've been taking my money for that.
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  Speaker 2: Has literally I think I had fifty thousand dollars coverage
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  Speaker 2: and that.
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  Speaker 3: Was it in this economy. Absolutely not.
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  Speaker 2: It was nothing. My husband does have a pretty good
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  Speaker 2: work policy, but it only covered much smaller amounts of
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  Speaker 2: what we wanted. So they did a combo with him.
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  Speaker 2: We got it all set up. I think it was
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  Speaker 2: finalized early twenty twenty three, just with some back and
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  Speaker 2: forth medical stuff, and then pretty much bang on, twelve
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  Speaker 2: months after that, he landed himself in hospital with gleandular
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  Speaker 2: fever of all things. And yeah, they did a ct
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  Speaker 2: scam because he had a bleeding spleen and they found
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  Speaker 2: the cancer and his kipping. Oh my god.
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  Speaker 3: So obviously that's horrific. To go into hospital for glandular
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  Speaker 3: fever like that is awful to begin with. Yeah, but
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  Speaker 3: had that not happened, you probably wouldn't have discovered this cancer.
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  Speaker 3: We never would have known because most of them are
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  Speaker 3: pretty symptom free until it's really bad.
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  Speaker 2: Pretty much. Yeah, they say that. Not only is it
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  Speaker 2: exceptionally slow growing, so it would have been probably a
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  Speaker 2: decad eight before they found it. By the time they
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  Speaker 2: do find it, it's usually you know, blood in the
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  Speaker 2: urine and stuff, but by then it's usually spread. It's
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  Speaker 2: usually really bad by that point.
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  Speaker 3: So, oh my goodness. So what's that like? You obviously
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  Speaker 3: go into hospital for glendula fever, which you know, horrific
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  Speaker 3: to begin with, but also not the worst thing in
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  Speaker 3: the entire world.
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  Speaker 2: Like he was bad.
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  Speaker 3: You would expect to just go in for a couple
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  Speaker 3: of days, come out, have some rest, and go home.
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  Speaker 3: But you went in and got a cancer diagnosis pretty much.
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  Speaker 2: And because of his age he was only thirty two
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  Speaker 2: at the time, they were really reluctant to confirm that
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  Speaker 2: it was cancer. The most common is men are over
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  Speaker 2: sixty five. He hit no markers, he's not overweight, he's
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  Speaker 2: not a smoker, and he's obviously way too young. So
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  Speaker 2: they were really reluctant to diagnose it without a biopsy.
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  Speaker 2: But because of a glandular fever, they wouldn't do a biopsy.
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  Speaker 2: They couldn't get in there and see he had to
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  Speaker 2: wait like four months for that to all, yeah, go
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  Speaker 2: down so they could actually get in there on biopsy it.
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  Speaker 2: So they didn't actually confirm it until I think it
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  Speaker 2: was May of that year.
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  Speaker 3: So you guys were told, hey, we think we might
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  Speaker 3: say cancer, but we're not going to tell you it's cancer. Also,
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  Speaker 3: can you wait four months and just has this in
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  Speaker 3: the back of your mind for the next four months?
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  Speaker 3: Is that how that happened?
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  Speaker 2: In a way, I'm like, I'm really upfromd with these things,
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  Speaker 2: we just want to know, so we just kept saying
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  Speaker 2: to them, we know that there's a strong possibility that
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  Speaker 2: this is what it is, and that's okay. Don't worry
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  Speaker 2: about saying the word. We're okay with it. We'd rather know.
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  Speaker 2: Our main concerns initially where he was having problems with
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  Speaker 2: his liver and his spleen, and we thought, oh, my gosh,
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  Speaker 2: has it spread? Is it somewhere else? That was our
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  Speaker 2: main concern. So once we knew it wasn't anywhere else,
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  Speaker 2: we were pretty pretty okay with it. He obviously had
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  Speaker 2: his moments. It was a rough few months for him,
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  Speaker 2: but in the scheme of things, we were okay with it.
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  Speaker 2: We knew that it was confined and even having to wait,
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  Speaker 2: we knew that surgery should sort it out and that
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  Speaker 2: should be enough. So we're pretty pragmatic about it.
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  Speaker 3: But just the anxiety, I'm very grateful been in that
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  Speaker 3: situation before, right, you know, And everyone says, oh, in
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  Speaker 3: that situation, I would xpize it, and you never know
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  Speaker 3: how you're going to read in that situation. But for me,
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  Speaker 3: I think I would prefer someone to say, Victoria, that's cancer,
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  Speaker 3: and then I deal with it and then then come
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  Speaker 3: back later and be like, oop, sorry we were wrong. Yeah,
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  Speaker 3: then the opposite, Like, can we just deal with it
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  Speaker 3: as the most dramatic outcome first. I know it would
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  Speaker 3: be scary, but I'd prefer that then the opposite and
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  Speaker 3: then have it missed.
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  Speaker 2: That's probably us as well. But I also understand there's
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  Speaker 2: a lot of people that probably hear the word cancer
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  Speaker 2: and it would really like send panic stations. So I
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  Speaker 2: get why they're cautious, which is why I was just
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  Speaker 2: upfront with it. Even nurses and stuff. I felt so
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  Speaker 2: sorry for them. They're trying to do hand over and
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  Speaker 2: I'm like, we know that it's there, don't stress. You
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  Speaker 2: don't need to point at your clipboards and stuff. It's
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  Speaker 2: okay if you need to talk about it, just mentioned it.
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  Speaker 2: We're not worried. It's like we are worried but not.
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  Speaker 3: But also thank you nurses for being so empathetic and
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  Speaker 3: not trying to freak us out.
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  Speaker 2: Yeah, they were trying to be so so so about
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  Speaker 2: it and so cautious and not make it super obvious
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  Speaker 2: that they were trying to tell them about it. But
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  Speaker 2: I'm like, it's okay, you can say it's fine. We're
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  Speaker 2: comfortable enough knowing that it's there and it's not really
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  Speaker 2: bad if that's what it is.
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  Speaker 3: Oh my goodness, And like thirty two, like that is
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  Speaker 3: just so young to go through something like that. Talk
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  Speaker 3: to me about I guess your wider money story. Like
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  Speaker 3: you guys grew up how.
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  Speaker 2: I'm an only child. I grew up with both my
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  Speaker 2: parents working. My whole life, very comfortable life. I never
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  Speaker 2: really thought about money. It's just if we wanted to
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  Speaker 2: do something, we did it. Yeah, So it just sort
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  Speaker 2: of never really was a consideration for me. My husband
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  Speaker 2: has a few siblings, and he grew up in a
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  Speaker 2: single parent home for most of his latter life, and
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  Speaker 2: so there was a little bit more money issues on
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  Speaker 2: that side because his father was the one that paid
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  Speaker 2: for a lot of their life growing up, and then
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  Speaker 2: later in life they split up, so there's a lot
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  Speaker 2: more on their side. But it was just sort of
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  Speaker 2: something we never really thought about. We just we went
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  Speaker 2: to work, we worked hard, we earned money, and we
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  Speaker 2: spent it, and it was only Yeah, you sort of
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  Speaker 2: hit thirty and you go, oh, we probably shouldn't do
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  Speaker 2: this anymore. We probably should actually be smarter than this
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  Speaker 2: and have some good foundations, good money sitting there and
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  Speaker 2: not be sitting They're going, I'll have to wait till
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  Speaker 2: pay week, next week or whatever it.
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  Speaker 3: Is totally, and I'd be like, when we're younger, we
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  Speaker 3: just think that the adult happens to us, Like we
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  Speaker 3: don't build the adult. We just one day we'll wake
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  Speaker 3: up and we will have probably two point five kids
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  Speaker 3: and a house and you know, two perfect cars in
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  Speaker 3: the driveway. That's what happens, right.
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  Speaker 2: That's adult, Like it just yeah, you blink and it happened.
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  Speaker 3: Yeah, Like in my head, that was just what was
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  Speaker 3: going to happen. Like it was arguably not consensual, Like, yeah,
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  Speaker 3: I was going to become an adult one day. I
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  Speaker 3: don't know when that was going to happen. But then
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  Speaker 3: you kind of hit your thirties and you're like, hold
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  Speaker 3: hold on, why are we doing? How does this?
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  Speaker 2: Hasn't this happened?
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  Speaker 3: But you mean I'm in control of this? Well that's
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  Speaker 3: not very fair. So obviously before your husband's diagnos, as
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  Speaker 3: you guys were working at hustling and getting stuff together,
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  Speaker 3: you started consuming podcasts, so.
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  Speaker 2: We had started getting our finances in order first obsessed.
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  Speaker 3: So what did you do for work? How much money
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  Speaker 3: were you earning or even now.
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  Speaker 2: At the time, I was earning about sixty thousand and
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  Speaker 2: my husband was earning about eighty. We've both improved a
• 10:18
  Speaker 2: lot since then. He's eight hundred and twenty now and
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  Speaker 2: I'm on about one hundred plus super for both of us,
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  Speaker 2: So we've proved that quite a lot.
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  Speaker 3: That's a whole side conversation. How do you go from
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  Speaker 3: sixty to one hundred in that period of time.
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  Speaker 2: So I worked for a small business for a very
• 10:33
  Speaker 2: long time, and I had a lot of perks that
• 10:35
  Speaker 2: went with that. Like it wasn't it wasn't just a
• 10:37
  Speaker 2: sixty thousand dollar job. I got a lot with that,
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  Speaker 2: But as far as the actual earning capacity, that was
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  Speaker 2: kind of the limit of what the business could afford
• 10:44
  Speaker 2: and what the job was. They retired a few years ago,
• 10:47
  Speaker 2: and so I took the opportunity to look for something else,
• 10:49
  Speaker 2: and yeah, jumped into something a lot higher.
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  Speaker 3: How cool? And then your husband was on eighty or
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  Speaker 3: is on a.
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  Speaker 2: Yeah, he was on eighty at the time that he
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  Speaker 2: was diagnosed, and just with a few career changes internally
• 11:02
  Speaker 2: at the company he works at, he's now on one
• 11:04
  Speaker 2: hundred and twenty adore.
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  Speaker 3: Now, what type of work does your husband do? Is
• 11:09
  Speaker 3: it like office based, is it like field based? What
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  Speaker 3: does that look like?
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  Speaker 2: He works from home exclusively, which makes me incredibly jealous.
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  Speaker 2: Sometimes they sent them home in COVID and they've just
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  Speaker 2: never gone back. I reckon. He sees the office three
• 11:21
  Speaker 2: times a year, and it's usually when somebody's retiring and
• 11:24
  Speaker 2: they're having a lunch.
• 11:25
  Speaker 3: So I would go in for lunch.
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  Speaker 2: Absolutely, I totally.
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  Speaker 3: Get whit I doesn't really understand.
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  Speaker 2: So he works exclusively from our office. He is a
• 11:34
  Speaker 2: software engineer, gorgeous. He's a computer constant.
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  Speaker 3: How fun. So talk me through obviously going through that diagnosis,
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  Speaker 3: you guys had plans like you'd started consuming content and
• 11:46
  Speaker 3: getting your finances together, which can be super empowering, but
• 11:50
  Speaker 3: also then getting a diagnosis like that you might spiral
• 11:54
  Speaker 3: and reassess everything that's going on. What did that look
• 11:58
  Speaker 3: like when you got that diagnosis? By financially, because you're
• 12:01
  Speaker 3: not just going, oh okay, well I've got insurance money, whin,
• 12:04
  Speaker 3: I'll just get a big payout, like sometimes there's a
• 12:07
  Speaker 3: bit of animosity. And you said that there was four
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  Speaker 3: months before he got a diagnosis, and can I assume
• 12:12
  Speaker 3: that he was not well during that four months.
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  Speaker 2: He was okay. Mentally, he struggled probably more than anything,
• 12:18
  Speaker 2: just that limbo. He was really lucky. His work was incredible.
• 12:21
  Speaker 2: They were very flexible. He had a lot of sick leave,
• 12:24
  Speaker 2: he's been there a long time, but they were also
• 12:26
  Speaker 2: very flexible with you know, you just take the time
• 12:29
  Speaker 2: you need, don't worry about it, sort it out. So
• 12:31
  Speaker 2: he was very flexible in that time. Once the glandular
• 12:34
  Speaker 2: fever was gone, he was actually really good. So he
• 12:36
  Speaker 2: was probably pretty well for most of it. It was
• 12:40
  Speaker 2: just that dealing with the mental side more than anything.
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  Speaker 3: Yeah, And that's like such a really important point to
• 12:47
  Speaker 3: kind of point out, is that your husband had cancer
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  Speaker 3: and he was acting fine like glandular fever aside, Like,
• 12:54
  Speaker 3: there's no other reasons that you guys would have questioned
• 12:57
  Speaker 3: or gone and done this full medical And even if
• 12:59
  Speaker 3: you'd gone done a full medical, why would you have
• 13:01
  Speaker 3: paid out of pocket for that scan that diagnosed him? Essentially,
• 13:07
  Speaker 3: So that to me, yeah, is kind of terrifying, but
• 13:10
  Speaker 3: also a really really good reason as to why, Like
• 13:13
  Speaker 3: you just never know, like everyone always says this type
• 13:16
  Speaker 3: of stuff happens to other people. It doesn't happen to us. Like,
• 13:20
  Speaker 3: was that where you guys were at when the diagnosis happened.
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  Speaker 2: A little bit? Yeah, like everything just stop stuffing matters.
• 13:26
  Speaker 2: You're just you're going through the motions. See you're in limbo.
• 13:29
  Speaker 2: That was how he described it. You just he didn't
• 13:32
  Speaker 2: know what to do because he didn't know. He thinks
• 13:35
  Speaker 2: he does, but he can't do anything about it. He
• 13:37
  Speaker 2: wanted it out of him. He really desperately wanted to
• 13:40
  Speaker 2: cut out. But it was just yeah, like waiting and yeah,
• 13:44
  Speaker 2: just nothing. You don't really remember the time because you
• 13:46
  Speaker 2: don't remember what you did or what you were thinking about,
• 13:51
  Speaker 2: or because it's just everything stops.
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  Speaker 3: So did your money goals change from pre cancer diagnosis
• 13:58
  Speaker 3: to post.
• 13:59
  Speaker 2: I think we've probably become a lot better at going, oh,
• 14:01
  Speaker 2: you know, we need to be really on top of
• 14:04
  Speaker 2: this and making sure that we've planned for our future
• 14:06
  Speaker 2: and stuff. Like I said, we had all of our insurances.
• 14:08
  Speaker 2: Obviously we're set up. But we've been much better at going, Okay,
• 14:11
  Speaker 2: we need to reassess now incomes have gone up, family
• 14:14
  Speaker 2: circumstances have changed. We've been much better at going, yes,
• 14:17
  Speaker 2: you need to do that now. Don't wait, just do it.
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  Speaker 3: Yeah, absolutely, And so what do your money goals look
• 14:22
  Speaker 3: like today? What are we currently working towards?
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  Speaker 2: Well, at the moment, I am twenty weeks pregnant, so
• 14:27
  Speaker 2: I'm working on twelve months off. So at the moment,
• 14:31
  Speaker 2: we're kind of heavily trying to invest at the moment
• 14:34
  Speaker 2: because we know that's going to take a back seat
• 14:36
  Speaker 2: once I'm not working. The goal is for me to
• 14:39
  Speaker 2: have about twelve months off, which we think should be achievable.
• 14:42
  Speaker 2: I'll be paid for probably about seventy five percent of
• 14:44
  Speaker 2: it based on all the different leaves that you can get,
• 14:48
  Speaker 2: and the remaining twenty five percent we should be okay
• 14:50
  Speaker 2: on just use income and worst case, I'll just go
• 14:53
  Speaker 2: back a little bit early if I need to stop it.
• 14:56
  Speaker 3: That's so exciting. You didn't drop that earlier. That is
• 15:01
  Speaker 3: literally so exciting. Let's go to a really quick break
• 15:03
  Speaker 3: because on the flip side, I want to talk about
• 15:05
  Speaker 3: these investments that you've just mentioned. I want to talk
• 15:07
  Speaker 3: about debt. I want to talk about what you did
• 15:09
  Speaker 3: with your payout, and then we're going to talk about
• 15:12
  Speaker 3: best and worst money habits. So guys, don't go anywhere.
• 15:18
  Speaker 3: Our one thousandth episode is coming up soon, and to celebrate,
• 15:21
  Speaker 3: we're giving one clever listener a chance to win She's
• 15:24
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• 15:48
  Speaker 3: Good luck and happy hunting Money, Dirist, We are back
• 15:52
  Speaker 3: and you are twenty weeks pregnant, which is just so
• 15:55
  Speaker 3: exciting and also can I be really perfect because it's
• 15:59
  Speaker 3: obviously not mess But after a cancer diagnosis, was that
• 16:03
  Speaker 3: something that you were like, We're not sure if that's
• 16:05
  Speaker 3: going to be a reality for us or not.
• 16:06
  Speaker 2: We were sured that there would be no issues with
• 16:09
  Speaker 2: that side, but we were really worried about the genetic component,
• 16:12
  Speaker 2: so we did do a lot of pretty testing to
• 16:15
  Speaker 2: make sure that things were okay. We're also a little
• 16:17
  Speaker 2: bit older and not old by any means, but we
• 16:20
  Speaker 2: were a little bit older as well, so we were
• 16:22
  Speaker 2: concerned that maybe there could be some genetic issues that
• 16:25
  Speaker 2: might pop up, so we did do a bunch of
• 16:27
  Speaker 2: that pre testing.
• 16:28
  Speaker 3: So what type of genetic testing did you guys do?
• 16:30
  Speaker 3: Did you just go to like a fertility expert or
• 16:32
  Speaker 3: did you like google it, like, what did that look like?
• 16:35
  Speaker 2: So we had a chat with our GP and we
• 16:37
  Speaker 2: went through it all. Because she's been through it all
• 16:39
  Speaker 2: with us, she suggested a few different options. So I
• 16:42
  Speaker 2: went through all of the scams where they go in
• 16:45
  Speaker 2: and check account and all that sort of stuff. They
• 16:47
  Speaker 2: also did quite an extensive blood panel on both of
• 16:50
  Speaker 2: us that was done through a genetic testing land, so
• 16:53
  Speaker 2: it's relatively expensive. It's not not super extensive, but it's
• 16:58
  Speaker 2: not cheap either. From our perspective, we really wanted to
• 17:01
  Speaker 2: confirm it, especially from my husband's side, that there's nothing
• 17:04
  Speaker 2: that was technically there that was going to be passed on,
• 17:07
  Speaker 2: or if there was, we were aware of it we
• 17:09
  Speaker 2: could do about it.
• 17:10
  Speaker 3: Yeah, exactly, And it's obviously a privilege to be able
• 17:13
  Speaker 3: to do that. But at the same time, like I
• 17:15
  Speaker 3: think for me because I also did the same thing,
• 17:19
  Speaker 3: not because we had a similar circumstance. I just had
• 17:22
  Speaker 3: worked in the space for so long, and I was like,
• 17:25
  Speaker 3: it's the devil, you know, right, Like having gone through
• 17:28
  Speaker 3: claims processes with clients and having seen things happen, I'm like,
• 17:32
  Speaker 3: what can I do to make sure that my babies
• 17:34
  Speaker 3: are in the best possible position? And for me, spending
• 17:38
  Speaker 3: the money just made sense. Same for us, But we
• 17:41
  Speaker 3: did the full blood panels. I remember spitting into a
• 17:43
  Speaker 3: cup and they did genetic testing on that.
• 17:46
  Speaker 2: They do that too.
• 17:47
  Speaker 3: I was why if you've got my blood, do you
• 17:50
  Speaker 3: also need my saliva? But anyway, that for us was
• 17:53
  Speaker 3: like a really big peace of mind thing because I
• 17:56
  Speaker 3: was like, okay, cool, we're okay. Now let's talk about investments,
• 18:00
  Speaker 3: because you said that you'd started your journey and like
• 18:02
  Speaker 3: you guys are trying to invest right now? Yeah, have
• 18:05
  Speaker 3: you invested your trauma payout? Is that what's going on here?
• 18:09
  Speaker 3: Or like what does that look like?
• 18:11
  Speaker 2: No, not entirely. So I started out investing a few
• 18:14
  Speaker 2: years ago. With your stuff. I used to do like
• 18:16
  Speaker 2: surveys and stuff like that, and any extra money I'd
• 18:18
  Speaker 2: get from that would be what I would invest And
• 18:20
  Speaker 2: even like I love this collecting like bottles and stuff
• 18:23
  Speaker 2: like that. For your ten cents and I would just
• 18:25
  Speaker 2: add all that up and once I hit a certain
• 18:26
  Speaker 2: amount of money, I would just invest it. Same if
• 18:29
  Speaker 2: I got gifts or anything like that, Like my nan
• 18:32
  Speaker 2: a few years ago when she passed away, she'd left
• 18:34
  Speaker 2: me a little bit of money, and I put that
• 18:36
  Speaker 2: in and stuff like that. Anything I wasn't expecting that
• 18:39
  Speaker 2: went into investing. And then when he got the payout,
• 18:44
  Speaker 2: that was when I was transitioning. We knew that I
• 18:46
  Speaker 2: was going to be finishing at that job that year
• 18:49
  Speaker 2: and we were planning to go overseas for four months.
• 18:51
  Speaker 2: So at the time we had been saving and it
• 18:55
  Speaker 2: was fine, and then we made a few bunch of
• 18:58
  Speaker 2: changes with that and we ended up spending more on
• 19:01
  Speaker 2: that trip from that payout. We didn't spend all of it,
• 19:05
  Speaker 2: of course, we spent probably ten percent. I suppose it
• 19:09
  Speaker 2: was a fairly small amount of it.
• 19:10
  Speaker 3: Well, but still that's a lot of money.
• 19:13
  Speaker 2: It was, Yeah, And then there was a small amount
• 19:15
  Speaker 2: of it that went into maintaining our life when we
• 19:19
  Speaker 2: got back and before I could get another job, which
• 19:22
  Speaker 2: was only just over twelve months ago. We still have
• 19:25
  Speaker 2: a fair chunk of it. But where yeah, we're sitting
• 19:28
  Speaker 2: on a fair amount of it still in cash.
• 19:30
  Speaker 3: But that is a really nice place to be, Like, obviously,
• 19:34
  Speaker 3: you guys went through so much and it would always
• 19:37
  Speaker 3: be in the back of your mind as well, like
• 19:39
  Speaker 3: could it come back? Like obviously there's a lot of
• 19:41
  Speaker 3: animosity around you know, a relapse and that's okay, But
• 19:47
  Speaker 3: just to know that you're going to be in a
• 19:48
  Speaker 3: better position financially to support yourselves going through that. Yeah,
• 19:53
  Speaker 3: to me, that's the biggest money in.
• 19:54
  Speaker 2: And I think part of keeping a fair amount of
• 19:56
  Speaker 2: the cash is you sort of have this worry of like, oh,
• 19:58
  Speaker 2: what if something just changes over night again, and yeah,
• 20:02
  Speaker 2: we just yeah, so we have a fair amount of
• 20:04
  Speaker 2: it sitting there. Part of that is not knowing what's
• 20:06
  Speaker 2: going to happen with maternity leave that we figured that
• 20:09
  Speaker 2: we'll keep some of it there for that, but ultimately
• 20:12
  Speaker 2: we will invest what's left.
• 20:13
  Speaker 3: Yeah, that's so exciting. Now, tell me when you started
• 20:16
  Speaker 3: your investment journey. How did you start? Like did you
• 20:19
  Speaker 3: download an app? Did you go straight to the Vanguard website?
• 20:22
  Speaker 3: Like what were you doing to get your journey kicked off?
• 20:25
  Speaker 2: I went with Concept Pocket and I went with Global
• 20:29
  Speaker 2: one hundred and Aussie top two hundred because I thought
• 20:31
  Speaker 2: that's boring and that's stable, and that's me.
• 20:33
  Speaker 3: But we love a boring investment portfolio. And have we
• 20:36
  Speaker 3: changed what does that look like now?
• 20:39
  Speaker 2: Not really, I still do have those. We also do
• 20:41
  Speaker 2: have some tech and also we have VDHD as.
• 20:44
  Speaker 3: Well, So I love that. I feel like we never
• 20:48
  Speaker 3: recommend it. But like everyone I talked to in the
• 20:50
  Speaker 3: shoes on the money communities like hey VDHD, I'm like, yeah, yeah, yeah, queen,
• 20:54
  Speaker 3: I see where we're going. We all have similar tastes.
• 20:57
  Speaker 4: Yeah.
• 20:58
  Speaker 2: Just my dad has always into me that boring is great.
• 21:01
  Speaker 3: Just yeah, yeah, I can't go on after my own heart.
• 21:05
  Speaker 2: Yeah.
• 21:05
  Speaker 3: Talk to me about debt. Are you in any debt?
• 21:09
  Speaker 3: If so, what does that look like? Yep.
• 21:11
  Speaker 2: So we have an investment property which has a debt
• 21:13
  Speaker 2: of about four hundred and eighty thousand at the moment,
• 21:16
  Speaker 2: and yeah, we just don't really pay too much extra
• 21:20
  Speaker 2: off it. We do have the cash sitting in the
• 21:22
  Speaker 2: offset to help with the interest, but we just sort
• 21:24
  Speaker 2: of let it do its thing. Cool.
• 21:25
  Speaker 3: Talk to me about investment property as a decision, because
• 21:28
  Speaker 3: obviously that's another form of investment, but you don't own
• 21:31
  Speaker 3: the house that you live in, you've rentvested, so.
• 21:34
  Speaker 2: Sort of, we purchased a property that we lived in.
• 21:38
  Speaker 2: We lived in it for four years, and then my
• 21:41
  Speaker 2: mum decided to retire a couple of years ago, and
• 21:44
  Speaker 2: they wanted to travel a lot, and whenever they traveled,
• 21:46
  Speaker 2: we always looked after their house. And I said to them,
• 21:49
  Speaker 2: I said, I have no problem with you doing that,
• 21:51
  Speaker 2: but if you're going to be away nine months of
• 21:53
  Speaker 2: the year, I don't really want our part.
• 21:54
  Speaker 3: I'm moving it in here.
• 21:56
  Speaker 2: Yeah really, because I knew they were going away for
• 21:59
  Speaker 2: four months, like straight off the bat. And so yeah,
• 22:01
  Speaker 2: we moved home. We moved in with my family.
• 22:04
  Speaker 3: Fick, sorry, we moved in with my parents. But also
• 22:07
  Speaker 3: my parents don't go here money win.
• 22:09
  Speaker 2: Yeah. Yeah, so they're here maybe four months of the
• 22:12
  Speaker 2: year sporadically. Sometimes it's four months at a time. Sometimes
• 22:15
  Speaker 2: it's a few weeks here and there. So they're back
• 22:18
  Speaker 2: and forth all the time.
• 22:19
  Speaker 3: I love that for them.
• 22:21
  Speaker 2: Yeah, so they can work for everybody when they're here.
• 22:24
  Speaker 2: It's completely fine. We get on really well. The house
• 22:27
  Speaker 2: is laid out in a way that's really easy for
• 22:29
  Speaker 2: duel living. But yeah, so they can get up and
• 22:32
  Speaker 2: go whenever they want, and they can go for however
• 22:34
  Speaker 2: they long and want, and they don't have to worry
• 22:35
  Speaker 2: about it.
• 22:36
  Speaker 3: That is actually incredible to be pervy on their money story.
• 22:40
  Speaker 3: Was that always something that they had planned. Were they like,
• 22:42
  Speaker 3: when we retire, we're going to travel the world?
• 22:45
  Speaker 2: Or was it they've always been huge travelers, Like my
• 22:48
  Speaker 2: whole life, we've always traveled. As they've gotten older and
• 22:51
  Speaker 2: had more money, they've obviously traveled more and more and more.
• 22:54
  Speaker 2: But I don't think it was necessarily in their plans
• 22:56
  Speaker 2: that they'd never be here. They do have a whole
• 23:00
  Speaker 2: their home that they do go too quite regularly as well,
• 23:02
  Speaker 2: But it just means they have a lot of freedom
• 23:04
  Speaker 2: that they can step up and go whenever they want.
• 23:07
  Speaker 2: If they decided they wanted to go to their holiday
• 23:09
  Speaker 2: home next week, it's not a big deal. They don't
• 23:11
  Speaker 2: have to worry about it.
• 23:12
  Speaker 3: That's actually the dream, Like you're just selling me on
• 23:15
  Speaker 3: the perfect retirement. They can travel whenever they want. They're
• 23:18
  Speaker 3: going to do whatever they want. They've got a little
• 23:20
  Speaker 3: holiday house that they go to, Like when I grow up,
• 23:23
  Speaker 3: I want to be your parents, Yeah me too, Yeah,
• 23:26
  Speaker 3: like iconic from them. Now The next question I was
• 23:29
  Speaker 3: going to ask, but we know the answer to that
• 23:31
  Speaker 3: is do you have personal insurances? Yeah, but obviously I'm
• 23:37
  Speaker 3: actually going to ask how has that changed? So obviously
• 23:41
  Speaker 3: you've probably got your full suite of personal insurances set
• 23:44
  Speaker 3: up and still ticking along. But your husband has claimed
• 23:48
  Speaker 3: on his trauma, So what does that look like now
• 23:50
  Speaker 3: for him?
• 23:51
  Speaker 2: He had the payout two years ago I think it was,
• 23:54
  Speaker 2: and then so there is then a period where he
• 23:57
  Speaker 2: didn't have that trauma insurance. I think it was twelve
• 23:59
  Speaker 2: months memory, yes, but he reinstated it as soon as
• 24:03
  Speaker 2: Sky let him know that it was ready to go.
• 24:05
  Speaker 2: He just has a caveat on it now, the kidney.
• 24:09
  Speaker 3: Yeah, so essentially, if he gets the same cancer again,
• 24:12
  Speaker 3: he won't get a trauma pay up, But if it
• 24:14
  Speaker 3: hypothetically moved anywhere else, he will, right.
• 24:17
  Speaker 2: I believe so, Yeah, unless they can directly link them
• 24:21
  Speaker 2: in some way. Yeah, but yeah, if something completely unrelated
• 24:24
  Speaker 2: happens to him again, then it's back up and running.
• 24:28
  Speaker 3: That's such peace of mind, especially now that you're like
• 24:30
  Speaker 3: we're also planning a family, like we're having a baby.
• 24:33
  Speaker 3: I want to make sure that you are absolutely covered
• 24:35
  Speaker 3: in this circumstance, talk to me about sky Wealth. Let's
• 24:40
  Speaker 3: be pervy on them for a hot second, because I
• 24:42
  Speaker 3: think that a lot of people just assume that you go,
• 24:45
  Speaker 3: you get your insurances set up, wham maam, thank you, ma'am,
• 24:48
  Speaker 3: you leave their ecosystem. But that's not how it works,
• 24:52
  Speaker 3: is it. So what happened with you guys once you've
• 24:56
  Speaker 3: got a diagnosis? Did you call phill up? Did you
• 25:00
  Speaker 3: send them an email?
• 25:01
  Speaker 1: Like?
• 25:01
  Speaker 3: What did that look like?
• 25:02
  Speaker 2: So I emailed to them to sort of explain, Hey,
• 25:05
  Speaker 2: we think this is what's going on. We don't really
• 25:07
  Speaker 2: know what to do here. Is this something that's claimable
• 25:10
  Speaker 2: because at the time, I mean, even though you think
• 25:12
  Speaker 2: that these things are what they're for, you don't really
• 25:15
  Speaker 2: know exactly the ins and outs of what you've got
• 25:18
  Speaker 2: to do. But I emailed. Our advisor at the time
• 25:20
  Speaker 2: was Trent. We emailed him and he immediately got it
• 25:23
  Speaker 2: straight to the claims team. They sent everything through. They said,
• 25:26
  Speaker 2: obviously we need to wait for confirmed diagnosis. They needed
• 25:29
  Speaker 2: some doctors things and whatnot, but essentially it was like,
• 25:33
  Speaker 2: you email us the details and we'll take care of it,
• 25:36
  Speaker 2: and they did. They dealt with everything. I think there
• 25:38
  Speaker 2: might have been the odd bit of paperwork here and
• 25:40
  Speaker 2: there that had Craig had to sign and that was it.
• 25:43
  Speaker 3: How good? And I feel like that takes a weight
• 25:46
  Speaker 3: off you because you're not dealing with the insurance companies
• 25:49
  Speaker 3: yourself either. You're just forwarding all of the information onto them.
• 25:52
  Speaker 3: They're like, hey, can we get a quick signature here
• 25:54
  Speaker 3: and there, but like they're the ones hounding the insurance
• 25:58
  Speaker 3: company and following up and being like, where's payment, what's
• 26:00
  Speaker 3: going on? What else do you need?
• 26:02
  Speaker 2: Because that's yeah, it just takes the admin totally off.
• 26:05
  Speaker 3: You, exactly. And I feel like during that period of time,
• 26:08
  Speaker 3: that is the last thing that you need. Now talk
• 26:11
  Speaker 3: to me about your best and worst money habits, because
• 26:13
  Speaker 3: I feel like you said you're a bee, but you've
• 26:15
  Speaker 3: got stuff pretty sortaed like, talk to me, what do
• 26:19
  Speaker 3: you think your best money habit is.
• 26:21
  Speaker 2: I'm very good at having a baseline. So I work
• 26:24
  Speaker 2: in shift work, so I have a base pay that
• 26:27
  Speaker 2: I earn, and then anything over that, I'm very good
• 26:29
  Speaker 2: at going no, that's what we invest, we don't need to.
• 26:32
  Speaker 2: That's our extra money. Let's budget based on our base
• 26:36
  Speaker 2: pace to anything extra. I'm very good at differentiating and
• 26:41
  Speaker 2: just putting it straight aside, and if I invest it
• 26:43
  Speaker 2: straight away then I won't spend it.
• 26:45
  Speaker 3: Fair fair And was that something that took a bit
• 26:48
  Speaker 3: of like mindset shift to get to or is that
• 26:50
  Speaker 3: something that you were like, No, it just made sense
• 26:52
  Speaker 3: because I feel like so many of us that do
• 26:54
  Speaker 3: shift work in our community are like, no, that's extra money,
• 26:57
  Speaker 3: and I blow it like that's my fund money. No,
• 26:59
  Speaker 3: I just that because I work too late.
• 27:01
  Speaker 2: I was really worried that would do that, and I
• 27:03
  Speaker 2: think that's why I did it that way. I was like,
• 27:06
  Speaker 2: if I'm getting double time for working on a Sunday,
• 27:09
  Speaker 2: just save it or do something with it, and investing
• 27:12
  Speaker 2: it means I won't spend it. If I just put
• 27:14
  Speaker 2: it in an account, I would find something I could
• 27:17
  Speaker 2: spend it on. Yeah.
• 27:18
  Speaker 3: And I am also like that, not that I do
• 27:20
  Speaker 3: shift work, but like I have to allocate it or
• 27:22
  Speaker 3: I will spend it. I will find something for that.
• 27:25
  Speaker 3: I'm very good at that. I'm a resourceful queen on
• 27:29
  Speaker 3: asalt dot com at the moment.
• 27:31
  Speaker 2: Literally any website, Instagram ads, they just they kill you.
• 27:34
  Speaker 3: Oh TikTok ads get me. They're so bad. Money dares
• 27:38
  Speaker 3: to tell me what is your worst money habit.
• 27:41
  Speaker 2: If I want it, I'll do it. If I say, oh,
• 27:44
  Speaker 2: let's go on a holiday somewhere, it will happen some
• 27:47
  Speaker 2: way or another, it will happen. And that's not always
• 27:50
  Speaker 2: most financially smart decisions. And I don't tend to skimp
• 27:55
  Speaker 2: or yeah, I won't necessarily cut back. If I want
• 27:58
  Speaker 2: to do something a certain way, it will get done
• 28:00
  Speaker 2: that way, come hell or high water.
• 28:03
  Speaker 3: Yeah, okay, I kind of love that because it looks
• 28:05
  Speaker 3: like you've like supported yourself well and I mean you've
• 28:08
  Speaker 3: got an investment property, like you're structuring yourself really well.
• 28:12
  Speaker 3: But also you're saying that's going to happen regardless.
• 28:15
  Speaker 2: Yeah, pretty much. Yeah, And there's certain things that I
• 28:17
  Speaker 2: will skim and save on, like I don't want to
• 28:19
  Speaker 2: pay for parking at work, and I don't want to
• 28:20
  Speaker 2: buy that extra cup of coffee, but I want to
• 28:23
  Speaker 2: go to Europe. Oh yeah, that'll happen. We'll find a way.
• 28:25
  Speaker 3: Fair And now that we've spoken at the start of
• 28:28
  Speaker 3: the episode, you were like, I'm a bee, what would
• 28:30
  Speaker 3: it take to get you to be an a Like
• 28:32
  Speaker 3: what would that actually look like for you?
• 28:35
  Speaker 2: I need to be much better with my budgeting. I
• 28:36
  Speaker 2: think that as good as I can be with saving
• 28:40
  Speaker 2: and putting money into investments and things like that. As
• 28:43
  Speaker 2: I said, I'm very good at just going, oh no,
• 28:45
  Speaker 2: let's just do that and we'll just spend the money anyway.
• 28:48
  Speaker 2: I think if I budgeted better, that probably wouldn't be
• 28:51
  Speaker 2: such a hit as often as it is.
• 28:53
  Speaker 3: And what does your budgeting system look like right now?
• 28:56
  Speaker 3: Like what would make it better? Like is it a spreadsheet?
• 28:59
  Speaker 3: Is it a back of a napkin?
• 29:01
  Speaker 2: Like?
• 29:01
  Speaker 3: What does that look like?
• 29:02
  Speaker 2: Spreadsheets? Yeah, I like spreadsheets. I probably just need to
• 29:05
  Speaker 2: be a little bit better at not trying to overextend
• 29:08
  Speaker 2: and going or you know, leave a little bit of
• 29:10
  Speaker 2: room for movement, or maybe actually assessing what things cost
• 29:15
  Speaker 2: a little bit better than what I sometimes do, and
• 29:18
  Speaker 2: just actually allocating money a little bit better.
• 29:20
  Speaker 3: But that's confronting, like having to look at it and go, oh,
• 29:24
  Speaker 3: groceries don't actually cost that they cost fifty dollars more
• 29:27
  Speaker 3: than that. I don't want to know like I do,
• 29:30
  Speaker 3: And obviously I'm I would say that I'm a budget queen,
• 29:33
  Speaker 3: Like I'm in my spreadsheet every second day. I actually
• 29:36
  Speaker 3: have mine saved on my desktop of my computer, and
• 29:39
  Speaker 3: whenever I see it, I click it, I'm like, oh, yeah,
• 29:41
  Speaker 3: where are we at? Has anything changed? Because I love
• 29:43
  Speaker 3: updating it. But I'm going to gift you my money
• 29:45
  Speaker 3: master Class, which has the budgeting spreadsheet that I've built
• 29:49
  Speaker 3: in it, which is going to force you, apologies in advance,
• 29:53
  Speaker 3: to actually go through what everything costs, because then it
• 29:56
  Speaker 3: spits out, Okay, if all of this costs this, this
• 29:59
  Speaker 3: is the account that those need to go into. This
• 30:01
  Speaker 3: is how much you're spending here like tells you everything.
• 30:04
  Speaker 2: No, that's amazing. Yeah, I probably need to.
• 30:07
  Speaker 3: So I'll set you up with that as a little
• 30:08
  Speaker 3: thank you for doing such a good money diary. But
• 30:12
  Speaker 3: I also think that it will really help you if
• 30:14
  Speaker 3: you're like, oh, I just need to like do it,
• 30:16
  Speaker 3: I'll give you a new, shiny one to.
• 30:18
  Speaker 2: Do it with. Yeah, and sometimes all you need is
• 30:20
  Speaker 2: new and shiny and that makes you do it right.
• 30:22
  Speaker 3: And it's pink like I'm here for it. Your husband
• 30:25
  Speaker 3: might not love it as much as you do, but
• 30:27
  Speaker 3: it sounds like you're in control of that anyway. So
• 30:29
  Speaker 3: sit down, could not care less? Yes, sit down?
• 30:31
  Speaker 2: So it goes, Oh, okay, why are they like this. Yeah,
• 30:37
  Speaker 2: he just looks at it and goes, yeah, you do whatever.
• 30:39
  Speaker 3: Thanks King, I love that for us anyway, Money Dirist,
• 30:43
  Speaker 3: it has been a pleasure sharing this time with you
• 30:45
  Speaker 3: and just getting to know your money story. But also
• 30:48
  Speaker 3: thank you for sharing so much about arguably a very
• 30:50
  Speaker 3: vulnerable journey, Like that's a lot and to come on
• 30:53
  Speaker 3: a podcast and be like, hey, I'd like to talk
• 30:55
  Speaker 3: about my husband's cancer diagnosis and what the insurance process
• 30:58
  Speaker 3: looked like, like that's not litto. So I really do
• 31:01
  Speaker 3: appreciate it because I just my hope for this episode
• 31:05
  Speaker 3: is that people go, I've been thinking about it, I
• 31:08
  Speaker 3: know I need to do it, and then they actually
• 31:10
  Speaker 3: do it, because we all think it's going to be
• 31:12
  Speaker 3: someone else, Like we all think, oh, that'll never happen
• 31:14
  Speaker 3: to me, and then it is you.
• 31:16
  Speaker 2: Absolutely and it's even just the quick fifteen minute chat
• 31:19
  Speaker 2: with them. Have a chat, they'll hook.
• 31:21
  Speaker 3: You in exactly exactly all right, Well, have a good
• 31:24
  Speaker 3: rest of the day. Thank you so much for joining us.
• 31:26
  Speaker 2: Thank you.
• 31:32
  Speaker 4: The advice shared on She's on the Money is generally
• 31:35
  Speaker 4: nature and does not consider your individual circumstances. She's on
• 31:39
  Speaker 4: the Money exists purely for educational purposes and should not
• 31:42
  Speaker 4: be relied upon to make an investment or financial decision.
• 31:46
  Speaker 4: If you do choose to buy a financial product, read
• 31:48
  Speaker 4: the PDS TMD and obtain appropriate financial.
• 31:51
  Speaker 3: Advice tailored towards your needs.
• 31:53
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• 31:57
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