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She Arrived in Australia With $20 and Built a Million-Dollar Life · 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 glennyan Ganya, Niana,
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Speaker 1: Kaka yah y and Binahaka Nian our gay In Mbini,
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Speaker 1: yakarum jar, Dominyagumika Umaga, Ihowaka, Nile, waman damind Imlan Bumba
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Speaker 1: bang Gadabomba in and now in waka ghana on yakarrum
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Speaker 1: jar Watanadaa. Hello, beautiful friends, we gather on the lands
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Speaker 1: of the Aboriginal people. We thank acknowledge and respect the
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Speaker 1: Abiginal people's land that we're gathering on today. Take pleasure
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Speaker 1: in all the land and respect all that you see.
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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,
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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.
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Speaker 2: She's on the Money. She's on the Money. Hello and
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Speaker 2: welcome Just She's on the Money, the podcast that let
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Speaker 2: you be pervy about other people's money habits for educational purposes,
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Speaker 2: of course. Welcome back to another one of our money diaries,
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Speaker 2: brought to you by our friends at Sky Wealth, where
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Speaker 2: I get the absolute privilege of sitting down with one
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Speaker 2: of our incredible Shees on the Money community members and
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Speaker 2: talking to them all about their journey. Let's jump straight
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Speaker 2: into it, because this week I got a message and
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Speaker 2: it sounded exactly like this high She's on the Money.
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Speaker 2: I've always been pretty resourceful when it comes to money,
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Speaker 2: mostly because life keeps changing and I've had to adapt it.
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Speaker 2: Over the years. I've pivoted careers multiple times to make
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Speaker 2: life work around raising two young kids, and lately I've
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Speaker 2: been thinking a lot about how important that flexibility is
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Speaker 2: going as AI changes the way that we all work.
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Speaker 2: Last year, I started a dog sitting side hustle, and
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Speaker 2: in my first full year as a sole trader, I'm
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Speaker 2: on track to make forty thousand dollars alongside my part
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Speaker 2: time job. I'm also slightly obsessed with little money wins,
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Speaker 2: from bottle refunds for the kids savings accounts to flipping
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Speaker 2: marketplace fines for a profit money diarist. I feel like
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Speaker 2: this is going to be a really fun interview.
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Speaker 3: I hope, so I'm very much looking forward to it.
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Speaker 2: I cannot wait to dive further in before we get there.
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Speaker 2: Can you tell me if I asked you to give
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Speaker 2: yourself a money grade? From A through to F. What
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Speaker 2: would that grade be?
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Speaker 3: Like everyone says, I had a really good think about it,
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Speaker 3: and I would give myself a ceat.
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Speaker 2: See, yes, I think so, just I didn't see that coming.
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Speaker 3: Look, I think there's so many opportunities that I am
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Speaker 3: not even scratching the surface. And obviously investing is a
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Speaker 3: big part of the podcast. It's a big part of
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Speaker 3: what I believe would lead me to financial success and
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Speaker 3: freedom in the future. And I think that's a really
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Speaker 3: big part of why I would go down from the top.
2:42
Speaker 3: And also, you know, I am thirty eight. I feel
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Speaker 3: like I am very much just still learning and I
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Speaker 3: still got a long way to go.
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Speaker 2: All right, I'll let you keep it. But I feel
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Speaker 2: like you are investing in yourself. Like, sorry, you invested
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Speaker 2: in a side business that's now generated you forty grand.
3:00
Speaker 2: That's arguably maybe a little bit better than buying your
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Speaker 2: first share.
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Speaker 3: Yeah, oh look, I'll take it. I'll love that. And
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Speaker 3: I have to say, with this particular side, so one
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Speaker 3: of the reasons I chose it is it because there
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Speaker 3: is zero up from cost.
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Speaker 2: So the money weed.
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Speaker 3: Yes, So I'm not setting up leases, I'm not buying equipment.
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Speaker 3: Literally started with the thought of walking a dog and
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Speaker 3: looking after a dog because I already had a dog,
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Speaker 3: and you literally need nothing. People they come to you,
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Speaker 3: They bring the lead, the food, the toys, the trees, everything,
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Speaker 3: the bets. You really don't need anything, just yourself, and
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Speaker 3: you do need basic things like obviously have a home,
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Speaker 3: ideally that your own. Oh yeah, secure home, and you know,
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Speaker 3: bits and pieces on the side. But at any point,
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Speaker 3: if I wanted to stop it tomorrow, I've got no
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Speaker 3: problems with that.
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Speaker 2: Yeah, that's so good.
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Speaker 3: A lot of unhappy clients, which will be sad, but
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Speaker 3: I've always had that thought at the back of my
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Speaker 3: mind is that I'm not risking anything. I'm really just
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Speaker 3: giving go to something that potentially could turn into something great,
4:03
Speaker 3: and if it didn't, that would be okay too.
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Speaker 2: No, that's so good. And I just have this not unhinged,
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Speaker 2: but unhinged belief that the best types of people in
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Speaker 2: the world are dog people. I'll take If people don't
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Speaker 2: like dogs, I'm sorry. If you're listening to this you
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Speaker 2: don't like dogs, but I question you. Yeah, there's something
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Speaker 2: going on there. I don't know what it is, but
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Speaker 2: I don't like dogs. Can't have it I do have to.
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Speaker 3: Say some people, unfortunately have a fear because of the experience.
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Speaker 2: It's just different than you're liking dogs. True, true people
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Speaker 2: who go nah, I don't like dogs. I go, oh, like,
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Speaker 2: are you fearful of them? No, I just don't like them.
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Speaker 2: Can't get around that. If you, like, were attacked by
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Speaker 2: a dog, of course you're going to be terrified of them.
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Speaker 2: I empathize with that. That's a different story.
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Speaker 3: I actually have to say I have been a deck
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Speaker 3: by a dog when I was a child. I've got
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Speaker 3: a big scar to prove it. And I'm not afraid
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Speaker 3: of them.
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Speaker 2: But you know, I still dog person, yep.
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Speaker 3: And I don't think I've ever met anyone actually told
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Speaker 3: me that they didn't like dogs. And in fact, part
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Speaker 3: of my role is recruitment, and I do ask that question.
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Speaker 3: I was like, are you ask the famies dog?
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Speaker 2: It's just, you know, when you go.
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Speaker 3: Through all these really ditail question and the role that
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Speaker 3: I kindly would interview for, it's got a lot of
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Speaker 3: technical stuff and then everyone is kind of feeling but
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Speaker 3: you know, like there's a steam coming and you just
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Speaker 3: want to bring them down to a personal level. I
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Speaker 3: always say, look, this is a very important question. It's
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Speaker 3: possibly a make or break, but you know, I'm not
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Speaker 3: going to jump ahead. I said, do you like dogs?
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Speaker 3: What kind of dog do you have? Because we also
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Speaker 3: a dog friendly office, and it's just to break the eyes.
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Speaker 3: It's really just something to soften the.
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Speaker 2: I think it's really sweet. In fact, I asked the
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Speaker 2: Prime Minister then we go him and that led to
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Speaker 2: him air dropping me pictures of his dog that I
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Speaker 2: can share with my dad. So like it worked. You
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Speaker 2: can break the ice only truly anyone by asking about dogs.
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Speaker 3: But look that happens, like if someone asks me about dogs,
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Speaker 3: I because of the nature.
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Speaker 2: Of what I do, Like, sit down, are you ready?
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Speaker 3: I had to upgrade my phone and I've paid for
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Speaker 3: extra ye class for all the cootos storage. Yeah, I
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Speaker 3: like all the angles, Like I can't just choose one
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Speaker 3: angle because they're so cute.
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Speaker 2: On AMATE legal to delete a photo with someone's dog.
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Speaker 3: Yeah, So look, pet photography could possibly be a branching situation.
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Speaker 3: You know, also see people they do pet portraits. Oh
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Speaker 3: use an opportunity. Yeah, imagine getting a beautiful portrait framed
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Speaker 3: for your birthday of your dog.
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Speaker 2: That could be like part of your business. Where you
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Speaker 2: like print a picture of their dog for Christmas.
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Speaker 3: Absolutely, I just need more time in my day, you know.
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Speaker 3: But look with AI, perhaps it is a productivity issue.
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Speaker 3: Perhaps there's an efficiency issue exactly. Maybe you're making AI
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Speaker 3: work for you.
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Speaker 2: Let's get into it. Money, the highrist. I want to know.
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Speaker 2: Tell me a bit more about your money story and
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Speaker 2: the things that you think have impacted it.
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Speaker 3: Look, I would say I'm quite a multilated person because
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Speaker 3: I grew up in Eastern Europe during the communism regime.
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Speaker 3: When I was born, there was one year to go
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Speaker 3: from the regime, and then it obviously changed with the
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Speaker 3: country got independence, but then when I was five, the
7:09
Speaker 3: country is separated into two. It sort of very much
7:13
Speaker 3: was an aftermath of a communism. So it was a
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Speaker 3: very interesting way of growing up and very hard sometimes
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Speaker 3: to relate to what we would call a Western world.
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Speaker 3: Because I would say that if you would talked about
7:25
Speaker 3: my up bringingd we're very similar to maybe your mum's generation.
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Speaker 3: So I grew up with black and white TV like
7:31
Speaker 3: Charlie Chaplin used to be on TV. My parents lived
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Speaker 3: of land, so we lived in a farm. My grandparents
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Speaker 3: never really had a job in a traditional sense they
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Speaker 3: worked for the government and they were getting something back
7:43
Speaker 3: because it was obviously about the greater rather than the individual. Yeah,
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Speaker 3: they kind of impacted, like, you know, we've never had
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Speaker 3: a mortgage on the home because land was something that
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Speaker 3: was given to people for working for the government. And
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Speaker 3: then you build a house that you had some savings,
7:58
Speaker 3: you were able to build a house, but you build
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Speaker 3: a house with your brothers and your friends and people
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Speaker 3: down the road, and you were exchanging and it was
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Speaker 3: very much like.
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Speaker 2: It's such a like it's something that I couldn't even comprehend.
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Speaker 3: And look, it was also very sheltered, like if you
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Speaker 3: see any of the movies they talk about like the communism,
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Speaker 3: and there's a fantastic show at the moment called The
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Speaker 3: Ponies and that shows a little bit. It's based in Russia,
8:21
Speaker 3: but it was like the world where they were really
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Speaker 3: worried that the Western will bring it and will change everything.
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Speaker 3: And you know, people used to get letters with the
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Speaker 3: words cut out and they're like, oh, what does this mean?
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Speaker 3: And people used to flea to us because the regime
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Speaker 3: was quite intense, and you know, there were no things
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Speaker 3: like there were no kick cats, no mass bars. Everything
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Speaker 3: was very much either like handmade or everything was very
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Speaker 3: like dull colors. All my clothes were like hand me down.
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Speaker 3: It was quite a different way of growing up. And
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Speaker 3: everything like when you open a fridge there would be
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Speaker 3: milk and they would be better, and then everything else
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Speaker 3: came from the farm or the land. My parents harvested everything,
9:02
Speaker 3: and in summer or after harvest, we had fresh and
9:05
Speaker 3: through winter we storeded under the house. We had these
9:09
Speaker 3: sellers and they used to pickle jam do all that.
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Speaker 3: So we were very self sustained. But it was also
9:16
Speaker 3: a sense of poverty, like more in a sense that
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Speaker 3: we never went without and we never not had food,
9:22
Speaker 3: but everything was made from scratch, so everything took a
9:24
Speaker 3: long time and there wasn't really a lot left for
9:29
Speaker 3: I guess necessities or just because of fun things. It
9:32
Speaker 3: was just sort of I think any one growing up
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Speaker 3: on the farm understands that type of life, and some
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Speaker 3: people romanticized and you know, believe it's beautiful, and I
9:44
Speaker 3: believe it's beautiful, but I did not believe it when
9:46
Speaker 3: I was in it.
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Speaker 2: It was tough.
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Speaker 3: It was a lot of work. There were no family holidays,
9:52
Speaker 3: no weekends doing activities. We were working. We were, you know,
9:56
Speaker 3: doing what we needed to do, so that was interesting.
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Speaker 2: Ye what did you know about the Western world when
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Speaker 2: you were growing up? Because you know, when you said
10:04
Speaker 2: there were no male as well as there were no
10:06
Speaker 2: kid cats like obviously, but did you know that those
10:09
Speaker 2: things existed?
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Speaker 3: You kind of got hints and glims here and there,
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Speaker 3: And also depends our family. My parents didn't really were
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Speaker 3: the kind of people that they would necessarily want to
10:21
Speaker 3: do something beyond to what they're knew. At times. I
10:23
Speaker 3: have to say, my mom's very intelligent.
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Speaker 2: She read a lot.
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Speaker 3: She worked in the library part time, so we were
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Speaker 3: reading a lot, and that brought glimpses of different cultures
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Speaker 3: and how things can be differently, even though Jane Austen
10:38
Speaker 3: is not always a good indication what the Western world
10:41
Speaker 3: looks like, but it came later. It came definitely later.
10:44
Speaker 3: So once I was in school, when I was probably
10:47
Speaker 3: about ten, I actually went to school in the nearest
10:51
Speaker 3: town because also I grew up in a town of
10:54
Speaker 3: about seven hundred people, and many of them were my
10:58
Speaker 3: cousins and relatives. Speak you would know everybody and there's
11:02
Speaker 3: no street names, it's just house numbers because it's only
11:05
Speaker 3: the name of the village, well you would know, and
11:07
Speaker 3: it's just one street there there was a pub of course,
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Speaker 3: a church and a convenience store and to go to
11:13
Speaker 3: school primary school you had to go on the bus
11:16
Speaker 3: or you had to walk. And then when I was eleven,
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Speaker 3: I wanted to go to school in the bigger town
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Speaker 3: or city and that kind of opened up my world
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Speaker 3: more and in all honesty made me to be a
11:30
Speaker 3: bit of an alien, someone that stands out because I
11:34
Speaker 3: was someone that started to learn more, knew more, and
11:38
Speaker 3: started to ask questions about, well, why are things this way,
11:41
Speaker 3: why you are doing things? I was definitely pushing and
11:44
Speaker 3: warning more and you know, as you would know, that
11:46
Speaker 3: doesn't sit well with everyone. I was too much and
11:50
Speaker 3: I was asking too many questions at all times and
11:53
Speaker 3: at times in my life I tried to make myself smaller,
11:57
Speaker 3: but predominantly I was actually I'm also chasing the people
12:02
Speaker 3: that would make me feel accepted and actually feed the
12:06
Speaker 3: hunger of my wanting to learn, wanting to improve, wanting
12:10
Speaker 3: to see what's out there. And that was really one
12:13
Speaker 3: of the drivers between me moving out of home and
12:16
Speaker 3: when I was about sixteen years old, I got a
12:19
Speaker 3: scholarship to live in Germany, and I haven't really gone
12:23
Speaker 3: back home full time since then.
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Speaker 2: Wow, my mind is spinning as you're talking. I'm just like, Wow,
12:30
Speaker 2: this is so different to the way that I grew up.
12:32
Speaker 2: But then also just even in terms of the expectations
12:35
Speaker 2: that would have been put on you, they're so not
12:40
Speaker 2: in line with this female empowerment movement that we're going
12:44
Speaker 2: through where you know you are now in Australia and
12:47
Speaker 2: I'm about to ask about that. Yeah, but you know
12:50
Speaker 2: here in Australia, women can become anything. You can do anything,
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Speaker 2: you can be anything, you can start a business, you
12:56
Speaker 2: can you know, speak on stage, you can raise your baby,
13:00
Speaker 2: you have freedom of choice. Yep. And as much as
13:04
Speaker 2: you probably were told, oh you can do anything as
13:06
Speaker 2: you you know, you can be anything, money, darist. But
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Speaker 2: I really don't think that's the narrative that you grew
13:13
Speaker 2: up with. What was the expectation, Like you said before,
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Speaker 2: I was too much. I became kind of like an alien,
13:18
Speaker 2: and that obviously probably pushed you to accept things like
13:21
Speaker 2: that scholarship in Germany. You were like, I need to
13:23
Speaker 2: get out, But how do you get this mindset of
13:27
Speaker 2: I need to get out when that's all you're surrounded by.
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Speaker 3: Look, that's a fantastic question. I've got a bit of
13:31
Speaker 3: a goosebums on you're asking me that. I actually never
13:34
Speaker 3: really had someone saying to me you could do anything.
13:38
Speaker 3: My mum was fantastic saying she would listen to my
13:41
Speaker 3: ideas and she'd be like, well, like, try give it
13:45
Speaker 3: a go. She was really good at that. But she
13:48
Speaker 3: did reveal later that she was always hoping that I
13:50
Speaker 3: will come back because I would see the value of
13:53
Speaker 3: where I came from. Whereas I was very much you
13:56
Speaker 3: were like no run. I was very much of that mindset.
13:59
Speaker 3: And look, now I have two children of my own.
14:02
Speaker 3: It makes me sad as a mom that that's how
14:05
Speaker 3: it is. But I've just could not wait to get
14:07
Speaker 3: out of there. I had like my room was looking
14:10
Speaker 3: over this field and I was like, what's beyond that?
14:13
Speaker 3: You know that there must be so much more. But
14:16
Speaker 3: back to the whole female empowerment and look, living in
14:19
Speaker 3: twenty and twenty six is fantastic for so many reasons.
14:22
Speaker 3: I do think we have a long way to go,
14:24
Speaker 3: and my career journey probably is a little bit of
14:28
Speaker 3: a snapshoot of that as well. But growing up, my
14:32
Speaker 3: mom used to say, you need to learn how to
14:34
Speaker 3: cook because husband wants you to cook. And my mom
14:37
Speaker 3: cooked all the time, like Sundays used to be half
14:39
Speaker 3: a day, was like this elaborate meal. And I was like,
14:43
Speaker 3: absolutely not, this is ridiculous.
14:46
Speaker 2: Why would I need to do that.
14:47
Speaker 3: This is where Jane Austen comes, you know. I was
14:49
Speaker 3: like what no, like absolutely not female empowerment.
14:53
Speaker 2: Mom's like, who are you?
14:55
Speaker 3: Are you crazy? And I was like, well, I'm not
14:58
Speaker 3: doing it? And She's like, what are you going to do?
15:00
Speaker 3: And I'm like, I'm going to marry a chef And
15:02
Speaker 3: guess what I did?
15:04
Speaker 2: You did? You married? I did?
15:07
Speaker 3: And it was like it probably shows the power of
15:10
Speaker 3: like things that you just put out there. And it
15:11
Speaker 3: wasn't like I didn't meet my husband. I was like,
15:13
Speaker 3: are you a chef? Or done you know your mine?
15:17
Speaker 2: Even it would have been much easier to do it
15:18
Speaker 2: that way, I'm sure.
15:19
Speaker 3: Even just the first sort of a boyfriend I had,
15:22
Speaker 3: he was a chef too, But it just maybe perhaps
15:25
Speaker 3: it's the thinking that I was after someone that thinks
15:29
Speaker 3: I don't need a wife to cook for me, and
15:31
Speaker 3: this is an unfortunate byproduct of some of the europe
15:35
Speaker 3: and up bringing. And I don't want to make it
15:37
Speaker 3: a general rule because it's changed a lot. Just keep
15:40
Speaker 3: in mind, I haven't lived there since I was eighteen
15:42
Speaker 3: years old.
15:43
Speaker 2: Yeah, but these are still your real lived experiences.
15:46
Speaker 3: And a lot of women in Europe bring up men
15:49
Speaker 3: to believe that their wife are they're to cook and
15:51
Speaker 3: clean and take care of them. And I just never
15:54
Speaker 3: subscribed to it. And my mum was smart enough to
15:58
Speaker 3: understand that. My dad probably didn't get it at all.
16:01
Speaker 3: But my brother also loved to cook. He was very
16:03
Speaker 3: inspired by Jamie Oliver. Jamy Oliver was just coming out
16:06
Speaker 3: and my brother was experimenting in the kitchen and I
16:09
Speaker 3: was like, you go, you love it, you do it.
16:12
Speaker 3: I'll plan whatever, like you know, I don't care, Like
16:14
Speaker 3: I'm not going to be in the kitchen. I'm not
16:16
Speaker 3: going to marry a man for him to want me
16:19
Speaker 3: to cook all the time. And I do cook at
16:21
Speaker 3: home now because it is a split of roles. But
16:24
Speaker 3: it just was something that definitely, the role differentiation back
16:29
Speaker 3: then was obviously very strong and still continues to be,
16:32
Speaker 3: but it's come a very long way.
16:34
Speaker 2: Yeah, and all I'm hearing through that is it probably
16:38
Speaker 2: wasn't even the cooking, that was just where you were
16:41
Speaker 2: channeling this idea of No, I don't want to marry
16:44
Speaker 2: someone where I'm not on the same page. No, I
16:47
Speaker 2: don't want to marry someone where I don't have a quality.
16:50
Speaker 2: And at that point you probably be like, I don't
16:52
Speaker 2: know how to articulate that, but I'm not cooking for
16:55
Speaker 2: someone and that's just not happening.
16:57
Speaker 3: That's correct, And I think now that you actually put
16:59
Speaker 3: it in that perspective, it's actually interesting thing to listen
17:02
Speaker 3: to my own children and what are they saying, and
17:05
Speaker 3: are they saying something just they just don't know how
17:07
Speaker 3: to articulate in a way that I would understand it,
17:10
Speaker 3: because there is definitely that level. And I also knew
17:13
Speaker 3: from a very young age I did never wanted to
17:15
Speaker 3: marry and stay where I was, and one of my
17:18
Speaker 3: biggest fear was to marry someone I went to kindergarten with.
17:22
Speaker 3: And I've got nothing against it. There's some beautiful couples
17:24
Speaker 3: that I know that did that, and many people do it.
17:27
Speaker 3: Many people also marry the girl from across the street,
17:30
Speaker 3: because you know, that's just what you do I could
17:32
Speaker 3: not think of anything worse, and I was like, I'm
17:35
Speaker 3: out of here. But to get there, I had to
17:38
Speaker 3: really think about it because we were not in a
17:40
Speaker 3: good financial situation. I would say we were on the
17:43
Speaker 3: war side, didn't have any extra money for anything. So
17:46
Speaker 3: I was like, I knew, it's not going to be
17:48
Speaker 3: something that my parents or anyone can pay for. I
17:51
Speaker 3: had to think about how that could happen. And the
17:55
Speaker 3: opportunity to apply for a scholarship when I was fifteen,
18:00
Speaker 3: I had to work really hard for it. There was
18:01
Speaker 3: a whole bit competition and there was one spot. It
18:04
Speaker 3: changed my life completely and it did eventually lead me
18:07
Speaker 3: to Australia again very around way. But initially it was
18:12
Speaker 3: about thinking, Okay, what could I do to prepare myself
18:16
Speaker 3: for these opportunities that might come down the track, And
18:19
Speaker 3: you know, that was one of them. So I'm yeah,
18:22
Speaker 3: that's probably one of the attitudes of approaches. I was
18:25
Speaker 3: able to apply at a young age and think, Okay,
18:28
Speaker 3: actually that works. Like that worked. Okay, Like it wasn't easy,
18:32
Speaker 3: but it worked. Could I apply the same approach later?
18:36
Speaker 3: And honestly it works. You know, if you really want something,
18:40
Speaker 3: you really make it work totally.
18:42
Speaker 2: So at sixteen you moved to Germany, you don't return
18:46
Speaker 2: home in a full time capacity. How did you find
18:50
Speaker 2: your feet in Australia.
18:52
Speaker 3: So the family that I was very lucky, they put
18:55
Speaker 3: themselves forward to be my guest family.
18:57
Speaker 2: In Germany.
18:57
Speaker 3: There were this retired teachers, really beautiful for they daughter
19:01
Speaker 3: and son were going back and forth in Australia, and
19:04
Speaker 3: there were doctors, and the university hospital at the Gold
19:08
Speaker 3: Coast was sort of on the horizon, and they said
19:11
Speaker 3: go back finish year twelve and we'll hold a spot
19:14
Speaker 3: for you as nanny. And they hope already a full
19:17
Speaker 3: time nannie's regularly. But it's like, if we know that
19:19
Speaker 3: you're coming, we have a spot for you, and come
19:22
Speaker 3: for a year. We pay for your flights and then
19:24
Speaker 3: when you hear you've got your board and everything. There
19:26
Speaker 3: was very small pocket money and you can be here
19:29
Speaker 3: for a year. Leading up to that, I just wanted
19:31
Speaker 3: to mention that I have then put that sort of
19:35
Speaker 3: in my horizon, but I treated more as an opportunity
19:38
Speaker 3: to improve my English, because I've applied to go to
19:41
Speaker 3: university in the UK, where my brother was at the time,
19:45
Speaker 3: and I could accept it. So I was like, I'm
19:46
Speaker 3: going to defer.
19:47
Speaker 2: For a year.
19:48
Speaker 3: I'm going to go to Australia. I'm going to improve
19:50
Speaker 3: my English because I was already fluent in German by then.
19:53
Speaker 2: That would be my year.
19:54
Speaker 3: And I was like, when do I ever get to
19:56
Speaker 3: go to Australia. Australia for me it was Sydney. There
20:00
Speaker 3: was this article in one of the German magazines I
20:02
Speaker 3: used to read. I actually cut it out and I
20:04
Speaker 3: had it on little board.
20:06
Speaker 2: You're a manifestation queen. You've manifested marrying a chef, moving
20:11
Speaker 2: to Australia. Like look, I don't know if you know
20:14
Speaker 2: this about yourself, but like you got this down pat.
20:16
Speaker 3: My friend I had a picture of the Opera house
20:19
Speaker 3: and I had New Zealand next to it as well,
20:21
Speaker 3: and I was like, what is this land down Under?
20:24
Speaker 2: You know? Are they really like what is going on?
20:27
Speaker 2: You really do have kangaroos? Yes?
20:29
Speaker 3: And my husband would say I used to write them
20:31
Speaker 3: to school. No you didn't. Yeah, I just had this
20:33
Speaker 3: sort of idea. And then when they said Australia, I
20:36
Speaker 3: was like, I'm down, I'm coming and again no money,
20:40
Speaker 3: absolutely no money, and they're like I'll pay for your flights.
20:43
Speaker 3: I literally came on that flight with twenty dollars. There
20:47
Speaker 3: was no room for That's crazy, Like, even though I'm
20:50
Speaker 3: picked me up at the airport, I'm probably stranded somewhere,
20:53
Speaker 3: you know, somewhere. But I was like, I think it's
20:56
Speaker 3: the youth, you know, you just like you just give
20:59
Speaker 3: it a go. And it scares me a bit that
21:02
Speaker 3: my children might be a little bit.
21:03
Speaker 2: You're like, are my kid's going to do this? Because
21:05
Speaker 2: absolutely not. I know that scares me.
21:07
Speaker 3: I'll be like, no, are you coming with me? But yeah,
21:09
Speaker 3: look that was me, like what is there to lose? Right,
21:12
Speaker 3: I've had this university lined up, and prior to that.
21:15
Speaker 3: In nineteen ninety three, the EU borders open in Europe,
21:18
Speaker 3: so which meant we could live and work in the
21:21
Speaker 3: UK and that was a huge That was a huge
21:24
Speaker 3: thing for a lot of people. They called it sort
21:26
Speaker 3: of a brain drain. Lots of the educated people from
21:29
Speaker 3: Eastern Europe moved to the UK. However, the language obviously
21:32
Speaker 3: was the barrier, so it took a few years to
21:35
Speaker 3: kind of get to where they needed to be. And
21:37
Speaker 3: my brother is really quite an inspiration. He did his degree,
21:41
Speaker 3: he had a fantastic job. He worked at the university
21:44
Speaker 3: and he's now living full time in Scotland and that
21:47
Speaker 3: was sort of his trajectory.
21:49
Speaker 2: Anyway.
21:50
Speaker 3: I came to Australia and three months before my visa
21:53
Speaker 3: was due to expire, I used to drag this big
21:56
Speaker 3: mail surfboard down the beach. We were actually living quite
21:59
Speaker 3: cless the beach, and tried to surf. I was like,
22:02
Speaker 3: I'm here for twelve months, like I need to learn
22:04
Speaker 3: how to surf, right, And he was terrible. And one
22:08
Speaker 3: day I coming out of the water and another surfboard
22:11
Speaker 3: sort of comes to my feet, so I pick it
22:13
Speaker 3: up and this guy comes up. It's like, oh, thanks,
22:15
Speaker 3: so you know, forgot my leg robe for the day
22:17
Speaker 3: or whatever. And that's my husband.
22:20
Speaker 2: Ah, he literally came swimming up. Yeah.
22:23
Speaker 3: The rest is history. And I have to say I
22:26
Speaker 3: was eighteen years old at the time.
22:28
Speaker 2: That's okay, so impressionable.
22:30
Speaker 3: Yeah, I was twenty when we got married, and we
22:33
Speaker 3: sort of just jumped in and we will be married
22:36
Speaker 3: eighteen years this year.
22:37
Speaker 2: I was about to say eighteen years because you said
22:39
Speaker 2: that you're thirty eight, right, Yeah, yeah, that's crazy. And
22:43
Speaker 2: so then you never headed back to the UK for study.
22:46
Speaker 2: You threw in the university degree over there for a boy?
22:49
Speaker 2: Is that what happened? I did not.
22:51
Speaker 3: I was smarter than that. We had a connection and
22:55
Speaker 3: we were sort of hanging out and I said, look
22:58
Speaker 3: I got to go back, and he said I want
23:00
Speaker 3: to marry you and I said absolutely not. Who do
23:03
Speaker 3: you think I am? Like? You know, I was like
23:05
Speaker 3: I'm building myself, you know. I was imagining this big
23:08
Speaker 3: city girl in the UK and it was exciting. There
23:12
Speaker 3: were supermarkets open past five o'clock.
23:14
Speaker 2: In the after That's crazy, isn't it.
23:16
Speaker 3: Oh yeah, God, Sainsbury's, Tesco's, Like it was fantastic. I
23:19
Speaker 3: was living the best life. And I was like, I'm
23:21
Speaker 3: going back. I've got obviously union. He's like I'm coming
23:24
Speaker 3: with you and I was like okay. And look there
23:27
Speaker 3: was this moment and I was like he actually already
23:31
Speaker 3: had a trie book to Bali from Australia.
23:34
Speaker 2: I get it.
23:35
Speaker 3: He went and then we sort of finalized all the
23:37
Speaker 3: things over messengers.
23:39
Speaker 2: I don't know what it was.
23:40
Speaker 3: And then he's like I'm coming. Is it okay? And
23:43
Speaker 3: he's like can we live together? And I was like
23:46
Speaker 3: this moment in me. I was like, it's just this
23:49
Speaker 3: is hard, Like I'm nineteen, I'm about to put all
23:53
Speaker 3: my eggs in the basket for this one guy I
23:54
Speaker 3: met three months ago, like really like, oh, I could
23:57
Speaker 3: just have so much fun freedom. And I was like,
24:00
Speaker 3: I don't know something about it, just felt like I
24:03
Speaker 3: wanted to do it. So yeah, we moved in together.
24:06
Speaker 3: We had a shared house. We lived there for a year,
24:08
Speaker 3: and this was two thousand and seven. Eights of the
24:11
Speaker 3: GFC was becoming quite prominent. And one thing with my
24:15
Speaker 3: husband what I really admire about him. He was a chef.
24:18
Speaker 3: He worked as a sushiev at the Reticent here on
24:21
Speaker 3: the Goldkost. He printed out his resumes. He got a
24:24
Speaker 3: job the first week he came to ok and he
24:27
Speaker 3: worked six days a week and he worked so hard.
24:31
Speaker 3: He met my brother, he became part of a friend circle,
24:34
Speaker 3: He met my parents. He made the life there for
24:38
Speaker 3: a year in a truly like a supporting partnership where
24:42
Speaker 3: it wasn't my money, it wasn't your money. It was
24:44
Speaker 3: a very early Christening with fire because I had these
24:48
Speaker 3: money feelings about men holding power over women because they've
24:53
Speaker 3: got the money, which I have from my dad, and
24:56
Speaker 3: that really a lot of it came into in that
25:01
Speaker 3: year and even has since then, but it really showed
25:04
Speaker 3: me that with him, it wasn't about that. It was
25:06
Speaker 3: our money from the start, and when we wanted to
25:09
Speaker 3: get married, we had to have join bank accounts. And
25:13
Speaker 3: we've had a joint bank account since then, Like we've
25:16
Speaker 3: never not had a joint money.
25:18
Speaker 2: That's crazy.
25:19
Speaker 3: Yeah, and I'm not saying it's the best option.
25:21
Speaker 2: For We're not saying it's the best, but it worked
25:22
Speaker 2: out for you. But I also think that you know,
25:25
Speaker 2: I'm listening to this story, and even when you're eighteen
25:29
Speaker 2: nineteen and you've just met this guy, you've got your
25:32
Speaker 2: head screwed on in a way that I don't think
25:34
Speaker 2: many other eighteen nineteen year olds did have. Especially because
25:37
Speaker 2: of your upbringing, you could have been incredibly sheltered in
25:41
Speaker 2: those moments and just been like yeah, okay, no worries,
25:43
Speaker 2: whatever you say, but somehow you just knew better, Like
25:46
Speaker 2: your intuition was like right on.
25:49
Speaker 3: Yeah, And look, I think I have always been described
25:52
Speaker 3: as like an old soul or like a head of
25:54
Speaker 3: you know, when some people are just probably thinking slightly differently,
25:59
Speaker 3: and they could be detriment. But also I've always been
26:03
Speaker 3: around all the people. I think I just had more
26:05
Speaker 3: connection with them.
26:06
Speaker 2: Oh, I get it. My grandmother used to always say
26:09
Speaker 2: about me, she's been here before.
26:12
Speaker 3: Yeah, I can feel it. And once you have your
26:14
Speaker 3: children you can sort of see that and you can yeah,
26:18
Speaker 3: something has happened a few years prior. That made me
26:22
Speaker 3: realize that if I don't give this a go, I
26:25
Speaker 3: will regret it because I might not get another chance.
26:28
Speaker 3: And that was literally. I think one of the things
26:30
Speaker 3: that I am good at is that when I something happens,
26:34
Speaker 3: I am able to learn from it and really applied
26:38
Speaker 3: moving forward. And I was like, well, if it doesn't work,
26:42
Speaker 3: that's fine. If it works, I mean, we've got two
26:45
Speaker 3: children together. It is a relationship that requires a lot
26:48
Speaker 3: of work, but we do choose to do that every
26:51
Speaker 3: day for the last eighteen years and it's pretty quite special.
26:54
Speaker 2: That is epic. So now you live in Australia and
26:58
Speaker 2: you touched on before that you work in recruitment. Tell
27:01
Speaker 2: me what do you do for work? How much money
27:03
Speaker 2: do you earn?
27:04
Speaker 3: So I don't actually work in recruitment, but it is
27:06
Speaker 3: a portion of my job. I am a studio coordinator
27:09
Speaker 3: for an architectural practice, architecture studio, so HR, administration, marketing.
27:16
Speaker 3: It's all portions of the role, which is actually really
27:18
Speaker 3: exciting because it's fun.
27:19
Speaker 2: Yeah, it sounds good.
27:20
Speaker 3: Yeah, it makes it quite different. I was the first
27:23
Speaker 3: non technical staff hired for this company, so also quite
27:27
Speaker 3: new to them and it's quite new to me, and
27:29
Speaker 3: I think that brings it to the career change or
27:32
Speaker 3: career pivot. I earn seventy two thousand per year Parada,
27:37
Speaker 3: so I work part time and I am lucky enough
27:42
Speaker 3: to have a very flexible and very supportive environment. Again
27:46
Speaker 3: something that I had to in the way for myself,
27:49
Speaker 3: but I'm very lucky that the person that I work
27:52
Speaker 3: with or the director of the business is very open minded.
27:55
Speaker 3: So when I came to the interview, I liked what
27:58
Speaker 3: they were offering. They liked what I was offering, and
28:00
Speaker 3: the role wasn't work from home, there wasn't a portion
28:03
Speaker 3: of it. And I put that forward and he said,
28:05
Speaker 3: you know, I will consider it, and I think we
28:07
Speaker 3: can make it work. And we've been sort of working
28:10
Speaker 3: it out together as we go and I have this
28:14
Speaker 3: approach that and this is what we've sort of agreed
28:17
Speaker 3: on that I wanted to show my value before I
28:19
Speaker 3: start asking for any other relaxations or any time support.
28:23
Speaker 3: And we agree that it needs to be office space
28:26
Speaker 3: for a period of time for me to really learn
28:28
Speaker 3: the business. But now I have an opportunity to be
28:31
Speaker 3: flexible around my children. He has two children, so he
28:35
Speaker 3: understands it. And it's kind of a bit of a
28:37
Speaker 3: new world because obviously COVID has opened this opportunity. But
28:42
Speaker 3: I do have to say it doesn't work for all
28:45
Speaker 3: the roles in my opinion, because like the architects itself
28:48
Speaker 3: that actually have to be hands on the design element part.
28:51
Speaker 2: Yeah, yeah, yeah, yeah. It's like there are so many
28:53
Speaker 2: hands on roles where work from home is just not
28:56
Speaker 2: going to work. But if you're doing admin sometimes I
28:59
Speaker 2: feel like in your own space and not having any
29:02
Speaker 2: distractions and just smashing through a whole heap of stuff.
29:04
Speaker 2: For HR, it's huge. It's so helpful. I need to
29:08
Speaker 2: work from home so that I don't consistently talk to
29:11
Speaker 2: my team and I can just lock in and get
29:13
Speaker 2: work done.
29:14
Speaker 3: Absolutely. Look, part of the role is also front of
29:17
Speaker 3: the office, so I do meet contractors or I meet
29:19
Speaker 3: people in the industry. So the presence is important, so
29:22
Speaker 3: we're trying to find the right balance, the balance between
29:26
Speaker 3: and I'm also a big believer. Let's say we're working
29:28
Speaker 3: on a project and I'm clogging off for the Christmas
29:31
Speaker 3: break and I the project is not finished, not due
29:34
Speaker 3: to my efficiencies, but due to something else, and I said, look,
29:38
Speaker 3: I'm going to take the laptop home with me. I
29:41
Speaker 3: want to see this project through. So I'm going to
29:44
Speaker 3: work this many hours if that's okay with you, and
29:46
Speaker 3: we're going to finalize it. And I'm going to be
29:48
Speaker 3: the last set of ice on this being submitted. Let's
29:51
Speaker 3: say it's an award, you know, it's architectural award. Of
29:54
Speaker 3: course I want to be the last set of eyes
29:56
Speaker 3: to on this. If I've already put so much time
29:58
Speaker 3: in it, that is to me showing a value that
30:01
Speaker 3: I can actually take the laptop home. I can work,
30:03
Speaker 3: and I understand the flexibility. So you know, that's the
30:06
Speaker 3: give and take. And if I'm ever doing a school
30:09
Speaker 3: drop off and my son has a hard time in
30:10
Speaker 3: the morning and I'm a fifteen minutes late, that's not
30:13
Speaker 3: even a mention. It's like, well, you do all the
30:16
Speaker 3: other things, or you stay fifteen minutes later. It's very
30:19
Speaker 3: much about the presence and the role and the outcomes,
30:23
Speaker 3: and that's how I like to look at it.
30:25
Speaker 2: Love Well, talk to me, what is your big money goal?
30:28
Speaker 2: What are you currently working towards.
30:30
Speaker 3: We actually had a chat my husband and I about this,
30:32
Speaker 3: and I think it's important to get on the same
30:34
Speaker 3: page because even having a side hustle can be really
30:37
Speaker 3: hard at times. So for this financial yell, next year,
30:41
Speaker 3: we want to really get a new car, and then
30:44
Speaker 3: being from Europe, we would like to go back as
30:46
Speaker 3: a family, which you might imagine is a very expensive
30:50
Speaker 3: exercise with very rich Just then it last year, we'll
30:53
Speaker 3: be looking at about thirty five thousand dollars. We were
30:56
Speaker 3: there for five weeks. It was one hundred percent of time.
30:59
Speaker 3: Had to pay for accommodation because I don't have the
31:01
Speaker 3: opportunity to stay with family, and it was a trip
31:05
Speaker 3: that you do not once in a lifetimee for us
31:08
Speaker 3: because another thing of being married to someone from Europe
31:11
Speaker 3: it means that half of the family is away and
31:14
Speaker 3: also you want these regular touch points. And of course,
31:19
Speaker 3: one thing I love about my husband is that something
31:21
Speaker 3: that's never been even a question, he's like absolutely and
31:24
Speaker 3: he loves being in your old blood.
31:26
Speaker 2: Love him. He sounds so wholeset.
31:28
Speaker 3: He is fantomic.
31:29
Speaker 2: I can't believe he just washed up on a beach
31:31
Speaker 2: for you.
31:32
Speaker 3: I know there was big manifestation, you know. Yeah, So
31:35
Speaker 3: he's fantastic like that. We spend a lot of time traveling.
31:38
Speaker 3: Prior to having kids. We had good, solid years together.
31:41
Speaker 3: We work throughout careers. He's actually changed careers. He is
31:44
Speaker 3: a lifeguard on the Gold Coast, back on the beach.
31:48
Speaker 3: He's full time lifeguard and he loves it. He's very
31:51
Speaker 3: passionate about it. He's a very much a waterman.
31:53
Speaker 2: So I've got that can cook well.
31:56
Speaker 3: Yeah, I do most of the cooking, but he can
31:58
Speaker 3: cook very well.
31:59
Speaker 1: You can.
32:00
Speaker 3: And he's very good at making birthday cakes.
32:02
Speaker 2: Oh I love this. Yeah, again, very wholesome.
32:07
Speaker 3: We're very much showing our children that it is not
32:10
Speaker 3: about the mom doing this and a dad doing this.
32:13
Speaker 3: And my husband's fantastic, Like he's currently taking my daughter
32:17
Speaker 3: to gymnastics and they love it. They love it, and
32:21
Speaker 3: then they probably will get something that I wouldn't get
32:24
Speaker 3: for her, like doughnuts or ice cream. And then like
32:27
Speaker 3: last week, they spent three and a half hours making
32:29
Speaker 3: a birthday cake for my son. So he's very much,
32:32
Speaker 3: you know, taking on the role, very present. Yeah, and
32:36
Speaker 3: his mom was a single mom for many years before
32:39
Speaker 3: his stepfather came to the picture, so he had a
32:42
Speaker 3: really good role modeling there.
32:44
Speaker 2: So it's incredible to see as well. And then just
32:46
Speaker 2: looking back on the money story in the life story
32:49
Speaker 2: that you've had that type of husband. I don't know,
32:52
Speaker 2: I'm just looking at the way that you grew up
32:54
Speaker 2: as a kid and you were never going to accept
32:56
Speaker 2: you know, cooking for a man and all of that,
32:58
Speaker 2: Like this was the husband that you hoped to get,
33:01
Speaker 2: but I don't think you ever could have articulated. And
33:04
Speaker 2: now looking back, like how do your parents feel about this?
33:07
Speaker 2: Because this is a man that you know, he's not
33:09
Speaker 2: from across the street. You didn't marry him because he
33:12
Speaker 2: lived down the road, Like you didn't go to kindergarten
33:14
Speaker 2: with him, Like that's a different journey, right, And look.
33:18
Speaker 3: My mom did say like did you have to go
33:20
Speaker 3: that far?
33:21
Speaker 2: Like did it have to ide? I had to go
33:23
Speaker 2: that far? Mom? I'm so sorry.
33:25
Speaker 3: Look, my parents absolutely adore him. Obviously, the fact that
33:28
Speaker 3: we live on the other side of the world. It
33:30
Speaker 3: wasn't on they manifestation cards, I'm sure, but they love
33:34
Speaker 3: the way how we are, the love our children, and
33:38
Speaker 3: going back for the first time with children last year
33:41
Speaker 3: it was a really great experience. I was a bit
33:43
Speaker 3: worried about it because I do get a lot of
33:46
Speaker 3: I'm not speaking flow back to my children. I'm not
33:49
Speaker 3: bringing them up bilingual, and there has been a little
33:52
Speaker 3: bit of that. My grandkids want to understand me, but
33:55
Speaker 3: they so much more that they see their the love
33:59
Speaker 3: and the way how my husband is like. I just
34:01
Speaker 3: don't think they could have thought of anyone else for
34:04
Speaker 3: me in general. They can just really see that, and
34:07
Speaker 3: they sometimes the fact that they can't understand each other
34:10
Speaker 3: is not a bad thing. Yeah, you know, and my
34:13
Speaker 3: husband's always been very open minded. I'm not going to lie.
34:17
Speaker 3: I was worried about judgment bringing someone to my life
34:21
Speaker 3: or the way how I grew up. It easily could
34:24
Speaker 3: have been someone that would like snobbed over and thought
34:27
Speaker 3: of me lesser because the way I grew up.
34:29
Speaker 2: No, And you know what, if they had, they would
34:31
Speaker 2: have been straight out exactly.
34:33
Speaker 3: But my husband sees the best in people and make
34:36
Speaker 3: them feel really good about everything. They have and I
34:39
Speaker 3: love that quality in him. Yeah, he does my mum
34:42
Speaker 3: and has always been very supportive.
34:44
Speaker 4: You know.
34:44
Speaker 3: We have spent a few years helping her out financially,
34:47
Speaker 3: and it's never been a question. It would never be
34:50
Speaker 3: like you can't do that or why. It was always like, absolutely,
34:54
Speaker 3: that's what we're doing now, exactly, Adore money does. Let's
35:00
Speaker 3: to a really quick break because on the flip side,
35:02
Speaker 3: we still need to get through investments and debts and
35:05
Speaker 3: personal insurance and your best and worst money habits.
35:07
Speaker 2: For guys, it don't go anywhere money, Doris. This is
35:14
Speaker 2: one of my longer episodes, and I have no intention
35:17
Speaker 2: of cutting this down. I have adored hearing about your
35:21
Speaker 2: life and what it was like and how things have
35:23
Speaker 2: changed and how somehow you manifested a man washing up
35:26
Speaker 2: for you on the beach. But tell me, do you invest?
35:30
Speaker 2: Is that something that is part of your money story?
35:33
Speaker 3: A good question. I have been sitting on the fans
35:37
Speaker 3: with investing for quite some time and I haven't taken
35:40
Speaker 3: the first step, but I have set myself up in
35:42
Speaker 3: a way of having the funds to do it. I
35:45
Speaker 3: think the analysis paralysis has been keeping me back.
35:48
Speaker 2: Oh it's really real, isn't it.
35:50
Speaker 3: Yeah, it's there's so much out there. And look, it
35:53
Speaker 3: is one of the reasons why I started to listen
35:55
Speaker 3: to your podcast. Or do you have your investing for
35:57
Speaker 3: kids playlists saved? And that's actually my that's on my
36:01
Speaker 3: go to do list, Like I really want to invest
36:04
Speaker 3: for my children because multi generational wealth is something that
36:07
Speaker 3: I would love to provide and I would love to
36:10
Speaker 3: start that for my children. And one of the things
36:12
Speaker 3: I put in the submission was we do the ten
36:16
Speaker 3: cent refund bottles collection you did started about two years ago,
36:20
Speaker 3: and I put them into my children's account as well
36:23
Speaker 3: as transferring ten dollars every week regularly, and we have
36:26
Speaker 3: jointly about five thousand dollars in that stop it.
36:30
Speaker 2: So from doing the ten cent bottle refund, you got
36:33
Speaker 2: five grands.
36:34
Speaker 3: And look, if you do the mass, it's ten cents.
36:37
Speaker 3: How many bottles, girlfriend, that's a lot of bottle.
36:39
Speaker 2: That's where my shock is coming from.
36:41
Speaker 3: And look, we again, you sometimes find that when you
36:44
Speaker 3: do these things, the community aspect of that is actually
36:49
Speaker 3: so amazing. So we have graining collecting for us. We
36:54
Speaker 3: have the neighbors they collect for us.
36:56
Speaker 2: The community we know.
36:58
Speaker 3: Which people love drinking. We always get the wine bottles.
37:02
Speaker 3: But I also set it up the way I said
37:04
Speaker 3: to the people, if you are happy to collect them
37:07
Speaker 3: for us, here is a bag or bin or whatever,
37:10
Speaker 3: I will collect it. I will make it easy for you.
37:12
Speaker 3: I don't want it to make it someone else's bird.
37:14
Speaker 2: You can come and get mine. I know we don't
37:16
Speaker 2: live near each other, but you can come and get mine.
37:18
Speaker 2: I would give them to you. And do you know
37:19
Speaker 2: what that's a big thing for me to say, because
37:21
Speaker 2: my nephew's collecting them.
37:22
Speaker 3: Well, thank you. I appreciate it. Don't tell you so. Yes,
37:26
Speaker 3: we have created that and it's been a really great
37:29
Speaker 3: way to show the kids because I'll tell you what.
37:31
Speaker 3: They sometimes like, Mommy, I don't want to do that.
37:33
Speaker 3: And you have to take them to the refund centers.
37:35
Speaker 2: Yeah, they have to be part of the actual process,
37:37
Speaker 2: like you can have to do it for them, like
37:39
Speaker 2: that's defeating the purpose of teaching them.
37:41
Speaker 3: Absolutely. And look my daughter, because obviously I've got the
37:45
Speaker 3: side business with the dog sitting as well. My daughter says, oh,
37:48
Speaker 3: there's money, you know money, Mommy, Are we rich? And
37:50
Speaker 3: I was like, well, what is rich to mean to
37:53
Speaker 3: you like, if you go to a shop and you
37:55
Speaker 3: can buy something, or does it mean that you have
37:57
Speaker 3: to you know, for me, it's starting to talk about
38:01
Speaker 3: money as an opportunity or means to either have the
38:04
Speaker 3: lifestyle or the time or the opportunities. That's a really
38:08
Speaker 3: big thing, and it's the start of it. You know,
38:11
Speaker 3: once you get to the point where there is excess
38:13
Speaker 3: amount of money or even just opportunity for money to
38:16
Speaker 3: create more money, that is exciting. However, I have to
38:20
Speaker 3: say where I am right now, having a part time job,
38:23
Speaker 3: two small children, a side business, obviously husband that I
38:27
Speaker 3: like to spend time.
38:28
Speaker 2: It's a lot.
38:29
Speaker 3: I do find it quite challenging to keep up with
38:32
Speaker 3: making the right decision and podcasts have been really helpful.
38:36
Speaker 2: And I'm glad.
38:37
Speaker 3: Yeah, and I did mention one of the reasons I
38:40
Speaker 3: started my side househole is because that idea has been
38:43
Speaker 3: discussed on the podcast and I just felt again it
38:46
Speaker 3: was just another like I've had this idea before, I've
38:50
Speaker 3: been thinking about it, I should really do it. And yeah,
38:53
Speaker 3: I feel like financial literacy is for women such an
38:57
Speaker 3: important skill to have because it gives you freedom, gives
39:01
Speaker 3: it confidence, It just pivots you forward so much, and
39:06
Speaker 3: I just, yeah, I think it's very important.
39:08
Speaker 2: I couldn't like you're preaching to the converted.
39:10
Speaker 3: Yeah, I know you're telling you you're preaching to the.
39:12
Speaker 2: Converted, but it is so true, right, And like I
39:16
Speaker 2: just keep reflecting on how you've grown up and how
39:19
Speaker 2: this would never have been part of your narrative, like
39:22
Speaker 2: the fact that you're teaching your kids about how to
39:25
Speaker 2: grow their wealth and you're wanting to invest for them,
39:28
Speaker 2: Like this just is so foreign from the way that
39:31
Speaker 2: you grew up. It's just so special. Thank you, And
39:34
Speaker 2: I think that that's really cool. Do you have any debt?
39:37
Speaker 2: If so, what kinds of debt?
39:39
Speaker 3: Yes, so we have a mortgage. We purchased that property
39:42
Speaker 3: in twenty seventeen and it was our third property in
39:44
Speaker 3: a sense that we bought sold, bought salt stop.
39:47
Speaker 2: Ukme literally to Australia with twenty dollars And now you
39:52
Speaker 2: are buying properties. But this is your third one.
39:55
Speaker 3: Well it's not the third one, that we already have three,
39:57
Speaker 3: but we would it you've gone through three. Yes, yeah,
40:01
Speaker 3: And this is again this is very much my husband
40:04
Speaker 3: educating me, all sort of telling me. Look almost like
40:07
Speaker 3: this is the Australian dream, right owning a property. Yeah, wow,
40:11
Speaker 3: what I'm going to be a gypsy and I'm going
40:14
Speaker 3: to travel and I'm going to live, you know.
40:16
Speaker 2: And he's like, yeah, I think we should.
40:18
Speaker 3: Come together like this is the next stage. And I
40:21
Speaker 3: was like, okay, so no more life nom gypsy life.
40:24
Speaker 3: He's very much the driver. He's also very good with finances,
40:29
Speaker 3: like he often looks at the loans and the terms
40:32
Speaker 3: and really understands it. We started with the unit. We
40:35
Speaker 3: sold the unit with the profit, we bought a duplex,
40:37
Speaker 3: We sold the duplex with the profit, and then we
40:40
Speaker 3: bought a house in Miami which is quite you know,
40:44
Speaker 3: one of the beachside neighborhoods on the Gold Coast, and
40:48
Speaker 3: we bought it for six hundred and sixty thousand and
40:52
Speaker 3: we have put ab one hundred and fifty thousand renovations
40:55
Speaker 3: into it. And due to the COVID and the land
40:58
Speaker 3: value increasing, we one point seven million.
41:01
Speaker 2: Is how much?
41:03
Speaker 3: One point seven stop it? Yeah, money win.
41:07
Speaker 2: But also just like incredible and is this is this
41:12
Speaker 2: a house that you're planning on selling and then you
41:14
Speaker 2: will you move into something else? Or was this the
41:17
Speaker 2: dream house that you got into.
41:18
Speaker 3: When we bought it, it was a two bedroom, one bathroom,
41:22
Speaker 3: what you would say a beach shack. We've turned it
41:24
Speaker 3: into three bedroom, one bathroom, but it's very obvious that
41:27
Speaker 3: it's going to be too small for us at some point.
41:30
Speaker 2: How beautiful though, to have that opportunity to sell that
41:33
Speaker 2: and then move into something else and probably not have
41:36
Speaker 2: that much of a mortgage on it.
41:38
Speaker 3: Yeah, look, that's the dream, that's the goal. Were also
41:40
Speaker 3: very lucky. We live very close to my husband's family,
41:43
Speaker 3: which we are very close with, and we are two
41:46
Speaker 3: hundred meters walk dist into the beach.
41:48
Speaker 2: Oh stop that, so it would be very lucky.
41:50
Speaker 3: And one thing I mentioned so I did say to you,
41:53
Speaker 3: I work for an architectural studio. One thing that's been
41:56
Speaker 3: quite prominent the goal goes is developing. Obviously, so when
41:59
Speaker 3: you land, yeah there's a lot, you can actually my
42:02
Speaker 3: street predominantly you knock it down, You build a duplex,
42:05
Speaker 3: and you sell one, duplex, you keep one, you sell both.
42:09
Speaker 3: So there is an opportunity to do that, but obviously
42:11
Speaker 3: you need to be in a financial situation to either
42:13
Speaker 3: withhold that or you can sell one prior to build.
42:16
Speaker 3: So there's lots of different options that we are considering.
42:19
Speaker 2: Well, if you talked to a good mortgage broker, you
42:21
Speaker 2: could probably organize the finance on that, especially because I
42:24
Speaker 2: can tell from the background you've got some good equity
42:27
Speaker 2: in the property that you currently own.
42:29
Speaker 3: Yeah, there is that. We have also reached out probably
42:33
Speaker 3: about six months ago regarding purchasing investment property, and at
42:38
Speaker 3: the time my earnings were too low. We really end
42:41
Speaker 3: up with rough pre approval. It was your stuff. It
42:44
Speaker 3: was a very much of a reality check. But what
42:48
Speaker 3: actually happened. She said, if you had any other income
42:51
Speaker 3: that you would declare, it would make quite a big difference.
42:54
Speaker 3: So the idea this year was to obviously put through
42:58
Speaker 3: my side hustle income and that would have dramatically increased
43:02
Speaker 3: our borrowing capacity. Will however, obviously the budget announcements have
43:07
Speaker 3: put few spanners in the works. And yeah, I think
43:10
Speaker 3: for us it's firstly, we're not at the end of
43:12
Speaker 3: financial year yet, we don't know exactly what the situation
43:15
Speaker 3: looks like. But what we do know that even with
43:17
Speaker 3: the increase, we wouldn't be able to purchase one gold coast.
43:21
Speaker 3: So there are so many things to consider around investing
43:25
Speaker 3: somewhere else in Australia and how they would potentially impact
43:29
Speaker 3: our lifestyle and things like going to Europe. I know
43:32
Speaker 3: they're very much a want, they're very no.
43:36
Speaker 2: But that's lifestyle and it's about enjoying the journey, not
43:39
Speaker 2: just the destination. I think sometimes, especially with social media,
43:43
Speaker 2: we can get caught up in becoming the richest and
43:47
Speaker 2: the biggest and the best, and like, that's not necessarily
43:50
Speaker 2: it like it's connection to your roots, it's connection to
43:53
Speaker 2: your family, it's sharing that, and like, arguably that's worth more.
43:59
Speaker 3: Look, I think, thank you're right. I think that I've
44:02
Speaker 3: arrived at the realization again probably thanks to my husband,
44:06
Speaker 3: because I didn't understand what a lifestyle meant. If you
44:08
Speaker 3: grew up in Eastern Europe, it just works.
44:11
Speaker 2: It was survival.
44:12
Speaker 3: It was my mom had worked six days a week,
44:15
Speaker 3: never had time off in school, holidays. I was pretty
44:17
Speaker 3: much brought up by my grandparents for a lot of times.
44:20
Speaker 3: It was always a grind. And then my husband, I
44:23
Speaker 3: actually in my career, had opportunities to work into state
44:27
Speaker 3: and more money, and I said to him, how do
44:30
Speaker 3: I do that? I fly back on the weekends and
44:32
Speaker 3: he's like, no, that's not a lifestyle, and I was like,
44:34
Speaker 3: what do you mean lifestyle? What is the lifestyles this
44:37
Speaker 3: lifestyle collecept But now having children actually one thing that's
44:41
Speaker 3: one of my highest value. It's spending time with them
44:44
Speaker 3: and quality time. And the side hustle of the dog
44:47
Speaker 3: sitting actually allows me to do that a lot because
44:50
Speaker 3: I can take time off in school holidays. In fact,
44:53
Speaker 3: my bookings usually are at the highest peak because other
44:56
Speaker 3: people go away, I can stay at home and I
45:00
Speaker 3: spend time with them. When we're getting paid and I'm
45:02
Speaker 3: getting paid, often I get paid more than I do
45:04
Speaker 3: in my actual role, which is that's crazy. It is
45:08
Speaker 3: the bonus, but it is, you know, a bit of
45:10
Speaker 3: a balance. And at the end of last year, I
45:13
Speaker 3: actually had six weeks off over Christmas incredible with my son,
45:17
Speaker 3: which is I feel so lucky to do from a
45:19
Speaker 3: sense of My employment allowed me the opportunity to do that,
45:22
Speaker 3: and I was able to support that time financially through
45:25
Speaker 3: the side hustle, so that worked really well.
45:28
Speaker 2: That's crazy. So tell me, is personal insurance something you've
45:32
Speaker 2: ever thought about?
45:33
Speaker 3: We definitely thought about it, and we started to talk
45:35
Speaker 3: about it in a little more detail and what that
45:38
Speaker 3: would meant if one of us got seek or one
45:41
Speaker 3: of us had a permanent impairment or something like that,
45:44
Speaker 3: we definitely have discussed it.
45:46
Speaker 2: Yeah.
45:46
Speaker 3: I also have a cover through my super so obviously
45:48
Speaker 3: I know it's something that you often ask.
45:51
Speaker 2: Yep.
45:51
Speaker 3: So I have a death cover, a total and permanent
45:54
Speaker 3: disability cover, and I also have an income protection through
45:57
Speaker 3: my super. Ah.
45:58
Speaker 2: So there you go, you taking all the boxes.
46:01
Speaker 3: Yeah, so, and I've set it up about twenty fourteen,
46:04
Speaker 3: so that's sort of been ticking over and that's there.
46:07
Speaker 3: But there's other things that were also interested in and
46:09
Speaker 3: since having my own business or more so a sole trader,
46:14
Speaker 3: so just to be very clear, I also have a
46:17
Speaker 3: business cover. I was very particular about the fact that
46:21
Speaker 3: one thing with pets is, you know, vet fees are
46:24
Speaker 3: so high, so incredibly I really wanted to make sure
46:27
Speaker 3: that if I ever found myself in a situation, I
46:30
Speaker 3: am covered. So I found one business cover that offered
46:33
Speaker 3: me what I was after, and I obviously purchased that
46:38
Speaker 3: too for.
46:38
Speaker 2: The smart Yeah yeah, that is so smart. Now tell
46:42
Speaker 2: me what do you think your best money habit is?
46:45
Speaker 3: My best money habit, I would say, is really understanding
46:48
Speaker 3: value of things and looking for value. So an example
46:52
Speaker 3: I could give you is, let's say us going on
46:55
Speaker 3: holiday and having time away. The things that I like
46:57
Speaker 3: to consider is, do we go away during a week
47:00
Speaker 3: where the accommodation is cheaper, we'd be staying at the
47:03
Speaker 3: same place. Could I book stay through places like booking
47:08
Speaker 3: dot com and get ten percent cash back? Could I
47:11
Speaker 3: book it through luxure escapes where you know, often you
47:14
Speaker 3: see the value and how much you pay. Those kind
47:17
Speaker 3: of deals I would say have actually worked really well
47:20
Speaker 3: for us. But also I try to understand it really well.
47:23
Speaker 3: You know, there's other things you're planning for a birthday?
47:26
Speaker 3: Could you order things online? They're cheaper, but you have
47:29
Speaker 3: to just do it early enough, you know. And how
47:32
Speaker 3: it also can eventuate at work is let's say we
47:35
Speaker 3: want to try a particular function with kenba. Well, Kenma
47:38
Speaker 3: offers thirty day premium subscription they do. Yeah, yeah, let's
47:42
Speaker 3: use the thirty days and really see how we make
47:45
Speaker 3: make the most out of the value. So I like
47:47
Speaker 3: to think of ways how I could really substract the
47:53
Speaker 3: value out of things. And also if the value is
47:55
Speaker 3: showing to be useful and important, obviously you can then
47:59
Speaker 3: use down the tracks. So, yeah, I like to think.
48:02
Speaker 3: And I had a career in retail. I worked in
48:04
Speaker 3: retail for ten years. I do understand how retail products
48:09
Speaker 3: that's good, So I understand how much help sales refunds. Yeah,
48:13
Speaker 3: I understand all that. So I very much applied that
48:16
Speaker 3: knowledge to a lot.
48:17
Speaker 2: Of I'm sensed. Do you even have any bad money habits?
48:20
Speaker 2: What do you think? Your worst is?
48:22
Speaker 3: Absolutely?
48:22
Speaker 1: Do?
48:23
Speaker 3: Oh my worst thing. I'm a Cereal card shopper. I
48:26
Speaker 3: leave everything in my cards and I just go back
48:30
Speaker 3: and I look at it and there might be new
48:31
Speaker 3: deals and I add more things to cards and then
48:34
Speaker 3: never check them out.
48:36
Speaker 2: And I just love doing that because you're not spending
48:39
Speaker 2: the money.
48:39
Speaker 3: Yeah, I love doing that. I also can be impulsive
48:43
Speaker 3: at times, but I'm learning to be better at it.
48:46
Speaker 2: I think it's relatable, though. Who isn't impulsive at times?
48:50
Speaker 2: And if they're not, what's going on there?
48:51
Speaker 3: I wonder what my husband would say my worst habit is.
48:54
Speaker 2: I don't know. I have to ask him, let me
48:55
Speaker 2: call him, I whole ask him. I sh't he would
48:57
Speaker 2: say anything. I think he would just say, shous fantastic.
49:00
Speaker 2: She's the best thing ever. She has no bad habits.
49:02
Speaker 3: Oh I know, I do have to say that. My
49:05
Speaker 3: husband would say this about me. I have these ideas
49:09
Speaker 3: and I was like, let's buy a house, let's buy
49:12
Speaker 3: investment property, and he would say to you, he's the
49:15
Speaker 3: one that has to go, Okay, how are we going
49:17
Speaker 3: to do that?
49:18
Speaker 2: Let's get back like you're bringing the ideas to the table.
49:22
Speaker 2: He's the doing man.
49:23
Speaker 3: He's like, do we ever just like you know, like chill,
49:27
Speaker 3: let's smell the roses, let's enjoy.
49:29
Speaker 2: That's my husband. Yeah, that's my husband as well. I'll
49:32
Speaker 2: be like, so I was thinking and he's like, didn't
49:34
Speaker 2: you say you were busy? Like, didn't you say that
49:36
Speaker 2: you were already overwhelmed?
49:38
Speaker 3: Yeah, but I was thinking it was yesterday today.
49:41
Speaker 2: Yeah, that was yesterday, and I'm over that now. I
49:43
Speaker 2: would like to do this other today.
49:45
Speaker 3: I had a full night sleep and I was thinking
49:47
Speaker 3: that we should.
49:48
Speaker 2: Do this and exactly, and don't you use my own
49:51
Speaker 2: words against me. That is quite rude.
49:53
Speaker 3: Oh yeah, I also like to add things onto his
49:55
Speaker 3: to do least, which he hates me to do. Yeah. Look,
49:59
Speaker 3: that's probably would be. But I think having this obviously
50:04
Speaker 3: the last time my parents probably have paid for anything
50:06
Speaker 3: relating to my life was probably at eighteen years old.
50:09
Speaker 3: So having this feeling that I am really steering my
50:13
Speaker 3: own ship and I am in charge has probably put
50:16
Speaker 3: me in a situation that I would not go and
50:18
Speaker 3: buy things. You know, having a joint bank account. My
50:21
Speaker 3: husband knows that I would not go and spend five
50:24
Speaker 3: thousand dollars without him knowing. I would never put as
50:26
Speaker 3: in a jeopardy. I did have it after pay for
50:29
Speaker 3: quite some time, and I don't have that anymore because again,
50:32
Speaker 3: it's something that you feel like you need to have
50:34
Speaker 3: because it's everywhere, and then you tried and it's don't
50:39
Speaker 3: like the way how it feels, and like the way
50:41
Speaker 3: how it eventuates, and then you cancel it and and
50:43
Speaker 3: you're like, Okay, won't do that again. You know, learn
50:46
Speaker 3: from that.
50:46
Speaker 2: Yeah, at the start of this episode, I didn't know
50:49
Speaker 2: what we're going to get into. Before we even spoke
50:52
Speaker 2: about your money story, I said, what grade would you
50:54
Speaker 2: give your money habits? And you said you're aceipt? What
50:57
Speaker 2: you think that you're a cipt? After achieving all of that,
51:01
Speaker 2: what would it take for you to get to even
51:03
Speaker 2: become a bee? Look?
51:04
Speaker 3: I think that the investment part. Obviously, having a shared
51:08
Speaker 3: portfolio would be fantastic. That would be something I would
51:11
Speaker 3: love to do. I would also love to work on
51:15
Speaker 3: my career and opportunities even with the side ut so
51:18
Speaker 3: as a business, to get us to the point where
51:20
Speaker 3: there is money that goes beyond the sort of the baseline.
51:25
Speaker 3: So those kind of things I feel would take me
51:27
Speaker 3: to hire Mark and setting up system where money creates
51:31
Speaker 3: money because I do definitely still fall in a situation
51:35
Speaker 3: where money is there, I think about the way to
51:37
Speaker 3: spend it. Yeah, okay, I would love to reframe my
51:41
Speaker 3: thinking about think about the way to invest it, or
51:44
Speaker 3: think about the way how that money could make more money.
51:47
Speaker 3: I am not there, and I think that takes a
51:49
Speaker 3: lot more rewiring than you know. I'm just not there
51:53
Speaker 3: right now. But I think things like your podcast books
51:56
Speaker 3: speaking to people listening to stories, that's manifest station right there,
52:00
Speaker 3: because these are people who have actually done it. It
52:03
Speaker 3: was a podcast of a girl recently, I think she
52:06
Speaker 3: was like nineteen or twenty one, and her portfolio was
52:08
Speaker 3: in you know, over one hundred thousand. That to me
52:11
Speaker 3: is inspiring. I think you think, okay, if she can
52:15
Speaker 3: do it, surely, you know, I would be able to
52:19
Speaker 3: learn something from that it applied and hopefully benefit my
52:22
Speaker 3: life and the life of my family.
52:24
Speaker 2: And you are already Like at the start of this episode,
52:27
Speaker 2: you were like, there's so much privilege and luck. No,
52:31
Speaker 2: there's not. You did all that, you created all of
52:33
Speaker 2: your own luck. You're like, you did not grow up
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Speaker 2: with privilege. You did not grow up with a silver
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Speaker 2: spoon in your mouth. But you have just done so much.
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Speaker 2: And just thinking about your children and the work ethic
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Speaker 2: that you're teaching them might goodness, they are going to
52:46
Speaker 2: be such wholesome human beings. Like I hope you are
52:49
Speaker 2: so proud of yourself because this is incredible.
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Speaker 3: I hope so, and I appreciate that.
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Speaker 2: I can't wait for the community to hear this story.
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Speaker 2: It's going to be amazing. Money direst, thank you. Thank
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Speaker 2: you so much for sharing so much of yourself and
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Speaker 2: your story and your journey and your family's story with me.
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Speaker 2: It's been a genuine privilege.
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Speaker 3: Thank you. I appreciate them. Thanks for your time and
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Speaker 3: the opportunity to come.
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Speaker 2: On a podcast.
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Speaker 4: The advice shared on She's on the Money is general
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Speaker 4: in nature and does not consider your individual circumstances. She's
53:23
Speaker 4: on the Money exists purely for educational purposes and should
53:26
Speaker 4: not be relied upon to make an investment or financial decision.
53:30
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