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MONEY DIARIES: Open heart surgery, unpaid leave and smashing uni · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:23
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 0:26
  Speaker 2: for millennials who want financial freedom. My name is Tony Lodge,
• 0:30
  Speaker 2: and joining me for another shot back Money Diary is
• 0:32
  Speaker 2: Miss Victoria Devine. Hello, Hello, Miss Tony Lodge. Great to
• 0:37
  Speaker 2: have you here again, and of course another great money
• 0:41
  Speaker 2: tarry for you.
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  Speaker 3: That I've pulled out of the vault, ready to go.
• 0:44
  Speaker 2: I've never said pulled out of the vault in my life.
• 0:47
  Speaker 2: I thought i'd start now.
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  Speaker 3: I mean, we're just trying to mix it up at
• 0:50
  Speaker 3: the start.
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  Speaker 4: But I think you'll find Tony, you didn't pull this
• 0:53
  Speaker 4: one out of the vault. A little bird told me
• 0:55
  Speaker 4: Jess pulled this one out of the vault, handbulled it
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  Speaker 4: straight over to you and you will like, yes, let
• 1:01
  Speaker 4: me on that. And didn't share any of the information
• 1:04
  Speaker 4: with me because I never do no, and it's kind
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  Speaker 4: of rude, like you guys were excited about this one,
• 1:09
  Speaker 4: so jumping straight into it, Tony, can you read out
• 1:12
  Speaker 4: this week's Money direst email?
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  Speaker 2: All right, here we go. Hi, She's on the Money team.
• 1:17
  Speaker 2: I have battled with health issues my whole life and
• 1:20
  Speaker 2: missed plenty of work because of appointments and hospital stays.
• 1:24
  Speaker 2: I was born with a heart condition and spent the
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  Speaker 2: first three years of my life in and out of hospital,
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  Speaker 2: with my parents not being able to work and receiving
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  Speaker 2: no financial assistance during this time. I had my second
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  Speaker 2: open heart surgery last year and had six weeks off
• 1:40
  Speaker 2: work without pay. As I'm a casual, I've recently been
• 1:44
  Speaker 2: diagnosed with a large tumor on my spine, and myself
• 1:47
  Speaker 2: and my family have spent thousands on medical bills to
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  Speaker 2: get a diagnosis and preparing to pay for surgery, and
• 1:53
  Speaker 2: also preparing to take time off work without pay. Again,
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  Speaker 2: I'm in UNI full time and on placement full time
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  Speaker 2: and work casually when I can. I hope to share
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  Speaker 2: my story with others like myself so people know they
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  Speaker 2: aren't alone.
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  Speaker 3: That's a lot, Wow, money Diarist.
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  Speaker 4: As always, you're just hiding in the background while we
• 2:13
  Speaker 4: read out your email.
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  Speaker 5: What a story, I know, yeah, very it's a lot,
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  Speaker 5: but you know it's my life and it's as how
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  Speaker 5: I've lived it, all full of twists and turns.
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  Speaker 3: Oh my gosh.
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  Speaker 4: Well, without further ado, let's jump straight into our structured
• 2:30
  Speaker 4: questions because I don't want to get sidetracked. I have
• 2:33
  Speaker 4: a lot of questions ready, so I won't let myself
• 2:36
  Speaker 4: get railroaded this time. So let's jump straight in money, diarist,
• 2:41
  Speaker 4: what is your attitude towards money?
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  Speaker 5: It's quite a long one, but I'll try and summon
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  Speaker 5: up as much as I can. So, my mum has
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  Speaker 5: always been very humble with money. She left home at fourteen,
• 2:52
  Speaker 5: became financially independent at sixteen.
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  Speaker 3: Wow.
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  Speaker 5: Yeah, she put herself through school, through UNI and work.
• 2:59
  Speaker 5: And then my dad was more. He came from more
• 3:02
  Speaker 5: of a wealthy family and he always had everything. And
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  Speaker 5: then yeah, like I said, my mum was twenty three,
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  Speaker 5: So the age I am when she had me, I
• 3:10
  Speaker 5: can't even imagine having a baby this age, you know,
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  Speaker 5: let alone a sick baby.
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  Speaker 2: I'm twenty seven, and I can't imagine having a baby
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  Speaker 2: right now. Like I get it.
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  Speaker 4: So I'm thirty and I'm still like what people are
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  Speaker 4: having children like or a child yourself, Like I say,
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  Speaker 4: a real adult as someone who has a child, and
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  Speaker 4: I am still a child.
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  Speaker 5: Yeah, same, but yeah no, yeah, So I was born
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  Speaker 5: with a heart condition. I spent probably the first two
• 3:37
  Speaker 5: years of my life traveling because I lived in Canberra,
• 3:40
  Speaker 5: traveling to Sydney for my surgeries. I had my major
• 3:43
  Speaker 5: open heart surgery at sixteen months old. I had to
• 3:45
  Speaker 5: learn how to walk and sit up again, and it
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  Speaker 5: was pretty full on. I had a lot of family
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  Speaker 5: support though my parents had a lot of family support.
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  Speaker 5: I don't know. About a year after my surgery, I
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  Speaker 5: got really sick again and I almost died. And then, yeah,
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  Speaker 5: it was really hard for my family, but they were
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  Speaker 5: so supportive. And about two my mom and my dad
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  Speaker 5: split up. But you know, I lived full time with
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  Speaker 5: my mom and she was, you know, everything. She worked
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  Speaker 5: so hard for me and provided me with much. We
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  Speaker 5: didn't have a lot, but you know, it was something.
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  Speaker 5: And then when I was five, she married my stepdad
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  Speaker 5: and he was in the army, so he was quite
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  Speaker 5: wealthy and my mom was working as well, and we
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  Speaker 5: were quite well off then. And then we moved to
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  Speaker 5: Brisbane when I was eight, and you know, I always
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  Speaker 5: had everything. We were quite a wealthy family. We went
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  Speaker 5: on holidays. Unfortunately, my stepdad was quite abusive and especially
• 4:39
  Speaker 5: financially abusive to my mom. Yeah, so even though we
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  Speaker 5: had quite a lot of money, my mom would put
• 4:44
  Speaker 5: everything into the bills and the mortgage, and he'd only
• 4:48
  Speaker 5: put about thirty percent, and he'd just spent money on
• 4:51
  Speaker 5: cars and motorbikes and whatever he wanted. And my mom
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  Speaker 5: had not much for herself. But she was really good
• 4:57
  Speaker 5: in finding a way to say, and she was really
• 5:02
  Speaker 5: good in that way. And she always humbled me that way,
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  Speaker 5: even though I had so much growing up, you know,
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  Speaker 5: she always humbled me. I started working at fourteen, and
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  Speaker 5: I was actually quite a good saver. I think I
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  Speaker 5: saved about five grand in about four years, just went, gosh,
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  Speaker 5: so good, go through school. Yeah, and when I was eighteen,
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  Speaker 5: my mom actually give to me ten thousand dollars, which
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  Speaker 5: was the best gift I could have asked all that
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  Speaker 5: she had saved me when I was a baby, since
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  Speaker 5: I was a baby.
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  Speaker 4: Oh my gosh, that's so special, especially having gone through
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  Speaker 4: everything that you've just explained to us.
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  Speaker 3: That's messy.
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  Speaker 2: Yeah.
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  Speaker 5: Yeah, So that was one of the best things I've
• 5:38
  Speaker 5: ever received, which was really lucky for me because six
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  Speaker 5: months later, I was kicked out at home by my
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  Speaker 5: stepdad and I had to learn, you know, my whole
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  Speaker 5: world turned upside down. I'd never been on my own
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  Speaker 5: before their only family support I had was my mom.
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  Speaker 5: Everyone else was in Canberra. But my family was so supportive,
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  Speaker 5: you know, my grandma sometimes, my mom, my dad would
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  Speaker 5: give me a little bit of money when they could.
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  Speaker 5: I was working full time UNI. I was very lucky.
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  Speaker 5: I was able to receive a little bit of center link,
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  Speaker 5: which was so hard to get as well, because it
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  Speaker 5: was just my financial situation was just not great.
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  Speaker 2: They and quite complicated as well. I guess if you
• 6:14
  Speaker 2: had like different things going on with different family members,
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  Speaker 2: that would have been really hard to kind of get
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  Speaker 2: under control.
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  Speaker 5: Yeah, because they recommended that I live with my dad
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  Speaker 5: who was in Camper and I was in UNI in Brisbane.
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  Speaker 5: And then they suggested I drop out of UNI and
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  Speaker 5: to work full time. And I wasn't going to do that,
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  Speaker 5: you know, that was that was my future, and it
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  Speaker 5: was I was so passionate about finishing UNI. That was
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  Speaker 5: the one thing I wanted to do. And then I
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  Speaker 5: was living at a home for about a year, and
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  Speaker 5: then my mom was actually saving money without my stepdad's knowledge,
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  Speaker 5: and then she said Sayonara, get out.
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  Speaker 4: Yeah, and then you get it sounds like your mom
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  Speaker 4: has got her head screwed on.
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  Speaker 5: She she is the strongest woman I know, my biggest
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  Speaker 5: influence in life, and she couldn't stay the house. We
• 7:00
  Speaker 5: were in this beautiful, big house, and we moved to
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  Speaker 5: a house probably a tenth the size, but we moved
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  Speaker 5: with my brothers. And even though we've got next to nothing,
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  Speaker 5: now we've got each other and it's the most rich
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  Speaker 5: thing that we could ever have. And my mom's so
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  Speaker 5: strong and she's so financially independent, and I think that
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  Speaker 5: I've learnt a lot from her that way.
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  Speaker 2: So yeah, this might be a first, but it sounds
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  Speaker 2: like we might need to do like a mother daughter
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  Speaker 2: money diary, don't you think.
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  Speaker 4: Oh my god, can you imagine.
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  Speaker 5: I was going to suggest you should probably have her
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  Speaker 5: on here.
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  Speaker 2: Maybe we should get in touch with your mama and
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  Speaker 2: see if she liked to share her story too. I'm
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  Speaker 2: actually emotional thinking about it. Not that money diarist. We
• 7:49
  Speaker 2: don't love your story, but imagine hearing the other side
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  Speaker 2: of the story in that way, Wow.
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  Speaker 5: What I've learned from Definitely.
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  Speaker 4: Let's get on with your money diary. We will be
• 8:00
  Speaker 4: hitting you up later to talk to your mom. Not
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  Speaker 4: in a weird way, not in a Stacy's mum way.
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  Speaker 3: Mom's way.
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  Speaker 5: She's quite an attractive woman.
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  Speaker 3: She is look at you like, oh my gosh, of
• 8:15
  Speaker 3: course she is.
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  Speaker 2: Okay, now we're trying to chat up both of them.
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  Speaker 4: Yeah, Appler clearly doesn't fall far from the tree.
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  Speaker 3: All right, next question before we get in trouble. What
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  Speaker 3: do you do for work money, Darist and how much
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  Speaker 3: money do you earn?
• 8:30
  Speaker 5: So? I work as a support worker for people with disabilities.
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  Speaker 4: Of course she does, Tony, She's one of those special people.
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  Speaker 5: So I work for a company, and I also work
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  Speaker 5: as a sole trader for just the one family, and
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  Speaker 5: that earns me about I think last financial year is
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  Speaker 5: about forty thousand dollars. Oh yeah, so I was working
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  Speaker 5: quite a lot last year. But I, like I said
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  Speaker 5: in my email, I started placement this semester in uniful time,
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  Speaker 5: so I've had to cut it back a bit, but
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  Speaker 5: it's good money. I also do a cashy job in
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  Speaker 5: a food truck.
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  Speaker 3: Oh cool.
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  Speaker 5: Yeah, it's only like twenty bucks an hour, but you
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  Speaker 5: know it's paying a lot for my medical bills and
• 9:09
  Speaker 5: for my car to get fixed as well, which is great.
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  Speaker 4: So well money diarist Io can't come after you because
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  Speaker 4: you're anonymous, so.
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  Speaker 3: Exactly, that's very helpful.
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  Speaker 4: But does that help a lot to just like have
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  Speaker 4: something additional on the side.
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  Speaker 5: Absolutely, And you know I'm not worrying about not being
• 9:26
  Speaker 5: able to put anything in my savings and just does
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  Speaker 5: it helps out so much?
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  Speaker 3: Which just relate bit of pressure.
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  Speaker 5: Yeah, Like I don't work for it all the time,
• 9:34
  Speaker 5: just every other weekend or something. Yeah.
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  Speaker 3: Cool.
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  Speaker 2: And you said you're studying full time and on placement.
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  Speaker 2: Is that doing what you're doing like at the moment
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  Speaker 2: as a soul trader as well like disability support.
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  Speaker 5: No, so I did my undergraduate degree in psychology actually victorians,
• 9:53
  Speaker 5: but I am actually doing my masters in social work.
• 9:56
  Speaker 5: I actually want to work in the children's hospital with
• 10:00
  Speaker 5: cardiac babies and children and their families and sort of
• 10:04
  Speaker 5: give back to who I was once upon a time.
• 10:07
  Speaker 3: Oh, you are so special. That's so incredible. So money direst.
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  Speaker 4: We were talking about you putting money into savings just before.
• 10:15
  Speaker 3: What is your big money goal?
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  Speaker 5: So I have two at the moment, so I too.
• 10:22
  Speaker 2: If you don't have enough going on money time.
• 10:26
  Speaker 5: So I guess, oh, maybe three, actually.
• 10:29
  Speaker 3: I agree, just another one.
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  Speaker 5: Probably my medical bills and surgery and my family's helping
• 10:34
  Speaker 5: a lot with that though, I've got such good family
• 10:38
  Speaker 5: support with that, but personally for me, so traveling is
• 10:42
  Speaker 5: something I would love to do. I graduate middle of
• 10:45
  Speaker 5: next year, so I'm really hoping the world's opened up
• 10:47
  Speaker 5: and everything's safe and I can do a bit of
• 10:49
  Speaker 5: traveling before I start working full time. And my probably
• 10:54
  Speaker 5: my bigger money goal is buying a house.
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  Speaker 3: Oh exciting.
• 10:57
  Speaker 5: Yeah, so I'd love to buy, you know, something with
• 10:59
  Speaker 5: like a little bit of land on it, you know,
• 11:02
  Speaker 5: that stereotypical white picket fence, have some kids get married.
• 11:06
  Speaker 5: Of course, that's always been a dream of mine. And
• 11:09
  Speaker 5: it's actually funny. The day I got the email from
• 11:12
  Speaker 5: Jess to do this, I actually hit a little milestone.
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  Speaker 5: I hit twenty k in my house savings to posit.
• 11:20
  Speaker 4: All of that, and you're still saving aggressively and you've
• 11:24
  Speaker 4: got to twenty k.
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  Speaker 3: You're so special. I love that. Congrats, Money diarys you,
• 11:30
  Speaker 3: thank you.
• 11:31
  Speaker 5: But yeah, I couldn't have done it without my family,
• 11:34
  Speaker 5: especially my mom too.
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  Speaker 3: She sounds so special.
• 11:38
  Speaker 5: She is, all right.
• 11:39
  Speaker 4: Next question, Money Diarist, do you currently have any investments?
• 11:44
  Speaker 5: I don't have any. I guess I did use Rais
• 11:47
  Speaker 5: for a little bit but I didn't really put enough
• 11:49
  Speaker 5: in there, so I'm I think maybe later on in life.
• 11:52
  Speaker 5: But I do have my SUPER, and as a soul trader,
• 11:55
  Speaker 5: I have to do my own tax and supers. So
• 11:59
  Speaker 5: when I get each week, I automatically, before tax, put
• 12:03
  Speaker 5: ten percent in my SUPER off my pay.
• 12:05
  Speaker 3: Oh cool.
• 12:05
  Speaker 5: Yeah, and then I leave my tax in my business
• 12:07
  Speaker 5: account and then transfer my pay into my general account
• 12:11
  Speaker 5: and then just yeah, deposit all the savings and bills
• 12:14
  Speaker 5: and everything that needs to be paid.
• 12:16
  Speaker 2: There's so many soule traders that don't put their own
• 12:19
  Speaker 2: super in, so we're very happy to hear that you
• 12:22
  Speaker 2: do as a priority as soon as you get paid.
• 12:24
  Speaker 3: Very good news.
• 12:25
  Speaker 5: Yeah. Well, if it wasn't for you guys, I probably
• 12:28
  Speaker 5: wouldn't put SUPER up there as much. I probably only
• 12:31
  Speaker 5: put a little bit. But you know, this pod, this
• 12:33
  Speaker 5: podcast has changed.
• 12:34
  Speaker 4: Really and you're just putting the full whack. You're like, no,
• 12:37
  Speaker 4: I deserve this. I'm going to do the right thing
• 12:39
  Speaker 4: for future me.
• 12:41
  Speaker 5: Yeah. Absolutely, Like it's changed my life honestly, financially, it's
• 12:45
  Speaker 5: just you know the best.
• 12:47
  Speaker 3: You are too kind. All right, money diarist, do you
• 12:52
  Speaker 3: currently have any debts?
• 12:54
  Speaker 5: The only debt I have is my hextet, and that's
• 12:57
  Speaker 5: at thirty six thousand, I think, so there that's my
• 13:01
  Speaker 5: undergraduate degree and the start of my master's. So I
• 13:05
  Speaker 5: actually started putting in about ten dollars a week. It's
• 13:08
  Speaker 5: not a lot, but it's just something just to start
• 13:10
  Speaker 5: paying it off because I haven't worked full time yet
• 13:13
  Speaker 5: for it to that staf going down. But hopefully once
• 13:17
  Speaker 5: I start working it all go down a bit.
• 13:19
  Speaker 4: It will and you won't even notice it. But the
• 13:22
  Speaker 4: cool thing about a help debt is when you said before,
• 13:25
  Speaker 4: I think I earn about forty thousand dollars a year.
• 13:28
  Speaker 4: I love that You're like, no, I'm putting some money
• 13:30
  Speaker 4: towards it, because the compulsory repayment threshold for twenty twenty
• 13:34
  Speaker 4: one to twenty twenty two is actually forty seven thousand
• 13:38
  Speaker 4: and fourteen dollars, So if you earn anything under that,
• 13:41
  Speaker 4: you don't actually have to pay any of it back
• 13:44
  Speaker 4: until you go over that threshold, and once you do
• 13:48
  Speaker 4: go over that threshold, you only have to start paying
• 13:51
  Speaker 4: it back in incremental amounts. So I think it's between
• 13:54
  Speaker 4: forty seven thousand and fourteen dollars and fifty four thousand,
• 13:58
  Speaker 4: two hundred and eighty two dollars. You actually only have
• 14:01
  Speaker 4: to pay it back at one percent of your income,
• 14:03
  Speaker 4: which is much easier to deal with than having to
• 14:07
  Speaker 4: pay a really big lump sum back. But I love
• 14:10
  Speaker 4: that you're prioritizing it and paying it off when technically
• 14:12
  Speaker 4: you don't even need to fall under that radar.
• 14:16
  Speaker 5: I'm just yeah, I just want to be really financially independent.
• 14:19
  Speaker 5: I guess it is the best.
• 14:21
  Speaker 4: My friend, it is very obvious. Next question, do you
• 14:26
  Speaker 4: currently use shot back?
• 14:28
  Speaker 5: I do. I love shot back. If I find something
• 14:32
  Speaker 5: on my phone, I will purposely buy it on my
• 14:34
  Speaker 5: laptop because I will use the extension, and I use
• 14:36
  Speaker 5: the thing called honey as well, which finds discounts. And
• 14:40
  Speaker 5: I checked my shot back.
• 14:40
  Speaker 2: To the day you can switch between the.
• 14:42
  Speaker 5: Tech's a genius, Tony, and I checked my shot back
• 14:47
  Speaker 5: the other day, and I think I thought about eighty
• 14:49
  Speaker 5: dollars back eighty bucks. Yeah, it's pretty good. Like a
• 14:53
  Speaker 5: few of them are Dan Murphy's purchases online with you know, lockdown.
• 14:57
  Speaker 4: Fair fair, But like I don't get damn fees money
• 15:00
  Speaker 4: back when I go in store, maybe I should be online.
• 15:03
  Speaker 4: I didn't even think of stuff like that.
• 15:05
  Speaker 5: Just click and collect it. Do it for your Friday drinks.
• 15:07
  Speaker 3: Oh my gosh, you can actually click and collect as well.
• 15:10
  Speaker 3: She's a genius. Tony.
• 15:12
  Speaker 2: That is very smart.
• 15:13
  Speaker 4: I like you Moneys, to be honest, I wish I
• 15:16
  Speaker 4: was that anyway, Moving on, because it turns out I
• 15:19
  Speaker 4: didn't even know that was an option.
• 15:22
  Speaker 3: Money diarist, what is your best money have it?
• 15:25
  Speaker 5: I think probably? I prioritize my savings. I always put
• 15:31
  Speaker 5: a certain amount in each pay I take a certain
• 15:35
  Speaker 5: amount for my bills, and I make sure because I
• 15:37
  Speaker 5: calculate my monthly spending, so I'll divide that by four
• 15:40
  Speaker 5: and put it in each week how much I need
• 15:42
  Speaker 5: to pay for my bills, and then I'll put away
• 15:45
  Speaker 5: a little bit each for my savings accounts. I think
• 15:47
  Speaker 5: I've got about four savings accounts, and then a little
• 15:50
  Speaker 5: bit for my food, fuel and fun.
• 15:52
  Speaker 4: Oh have you potentially read my book?
• 15:56
  Speaker 5: Maybe it's showing, but I love that.
• 16:01
  Speaker 4: In comparison to that, What is your worst money habit?
• 16:05
  Speaker 5: Probably? And this was the time before covid spending money
• 16:08
  Speaker 5: on concert tickets.
• 16:09
  Speaker 3: I guess, yeah, that hasn't been an option.
• 16:13
  Speaker 5: So COVID's been good in that way because I've been
• 16:16
  Speaker 5: saving a lot of money that way. Yeah, But pre COVID,
• 16:20
  Speaker 5: I was, you know, everyone I listened to like a
• 16:22
  Speaker 5: lot of bands and a lot of singers, and I
• 16:24
  Speaker 5: love music. Music's a huge part of my life and
• 16:27
  Speaker 5: i'd love to go to every concert and also if
• 16:30
  Speaker 5: I bring a friend and all my mom, I've got
• 16:32
  Speaker 5: a lot of concerts my mum. I'm a bit of
• 16:34
  Speaker 5: a nerd that way. Yeah, just spending money on that
• 16:38
  Speaker 5: and sometimes that might be a bit more and I
• 16:40
  Speaker 5: can't put any in savings, but COVID's been good in
• 16:43
  Speaker 5: that way that I've been saving.
• 16:45
  Speaker 4: But that's one of the things that I think is
• 16:47
  Speaker 4: in line with your values. From what I can understand,
• 16:50
  Speaker 4: it sounds like you're a pretty good little savor. You've
• 16:52
  Speaker 4: got your full savings accounts and you're dividing that up.
• 16:55
  Speaker 4: You shot back, you're obviously putting money towards your hex.
• 16:58
  Speaker 4: You sound really savvy. So I wouldn't say it's a
• 17:01
  Speaker 4: waste or anything like that. I would just say that's
• 17:04
  Speaker 4: what you value, those experiences and being able to take
• 17:06
  Speaker 4: your mum.
• 17:07
  Speaker 3: Like that's really cool.
• 17:09
  Speaker 4: And I really like that you know what you like
• 17:11
  Speaker 4: and where a big chunk of your money is allocated.
• 17:14
  Speaker 4: Because sometimes when we talk to people and be like, oh,
• 17:17
  Speaker 4: what is your quote worst money habit?
• 17:19
  Speaker 3: But with oh, I don't know.
• 17:20
  Speaker 4: Sometimes it's like uber eats but you've said, or I
• 17:23
  Speaker 4: actually it's this bigger thing, but I actually prioritize it.
• 17:27
  Speaker 4: I would like to argue with you and say, I
• 17:29
  Speaker 4: don't think that's a bad money habit. I think you've
• 17:32
  Speaker 4: just got good values, my friend. Hopefully, I mean you
• 17:35
  Speaker 4: didn't tell us what concerts you go to. Hopefully you've
• 17:37
  Speaker 4: also got good taste in music. But that's up for
• 17:40
  Speaker 4: debate and we can talk about that later. Oh so,
• 17:45
  Speaker 4: money diarist, if we asked you to give yourself a
• 17:48
  Speaker 4: money grade, what would you give yourself?
• 17:50
  Speaker 5: Maybe a B plus?
• 17:52
  Speaker 4: Why would you give yourself a BT plus?
• 17:54
  Speaker 5: I think I've still got a long way to go,
• 17:58
  Speaker 5: and I sometimes i'm I spend a little too much
• 18:02
  Speaker 5: in during the week, and I might have to take
• 18:03
  Speaker 5: a little bit out of my just in case account,
• 18:06
  Speaker 5: which is my spare money. But I think I once
• 18:10
  Speaker 5: I start working full time and earning a bit more
• 18:12
  Speaker 5: and investing, I think that's when it might go up
• 18:14
  Speaker 5: to an A. But I don't know. It's just I
• 18:18
  Speaker 5: feel like I'm not completely there yet, but I'm trying. Well.
• 18:21
  Speaker 4: It sounds like you're setting yourself up for future success
• 18:24
  Speaker 4: from everything I've just learned about you. But at the
• 18:27
  Speaker 4: start of this episode, we learned some pretty special information
• 18:31
  Speaker 4: about you, and I want to ask you a lot
• 18:33
  Speaker 4: of questions right after this quick break diving straight back
• 18:37
  Speaker 4: in money Dives. Do you have not had a smooth
• 18:39
  Speaker 4: sailing past when it comes to medical history? How have
• 18:43
  Speaker 4: you gone through two open heart surgeries? And how does
• 18:48
  Speaker 4: that impact you financially? Like what does that actually look like?
• 18:52
  Speaker 4: Because from my perspective, I'm like, I wouldn't have a
• 18:55
  Speaker 4: clue how much that costs or what's covered on Medicare
• 18:57
  Speaker 4: or private health or if in if you have, I don't.
• 18:59
  Speaker 3: Know what that it looks like. Could you share with
• 19:01
  Speaker 3: us how that works?
• 19:03
  Speaker 5: Yeah, definitely. So I had my surgery as a baby
• 19:08
  Speaker 5: through the public system, and growing up I've always been
• 19:12
  Speaker 5: seeing my cardiologist through the public system. With my second
• 19:16
  Speaker 5: heart surgery, though I did do that through the private system,
• 19:19
  Speaker 5: I am on my mum's private health and I am
• 19:23
  Speaker 5: so very lucky for that because it was when COVID
• 19:27
  Speaker 5: first started happening, and lockdown was happening, and they were
• 19:30
  Speaker 5: stopping elective surgery. So I was very lucky to get
• 19:34
  Speaker 5: in when I did.
• 19:35
  Speaker 4: Are you telling me that a heart surgery is seen
• 19:38
  Speaker 4: as an elective surgery.
• 19:40
  Speaker 5: Well, in my case, I wasn't going into heart failure.
• 19:44
  Speaker 5: I just needed my follow up surgery. But if I
• 19:48
  Speaker 5: was in the public system, I would probably still be
• 19:49
  Speaker 5: waiting to have it done.
• 19:51
  Speaker 4: So there are other people currently in Australia who have
• 19:54
  Speaker 4: had surgeries like that canceled. I didn't know that's what
• 19:57
  Speaker 4: that meant, and that might be showing my naivity here,
• 20:00
  Speaker 4: but I assumed elective surgery would be.
• 20:02
  Speaker 3: Like a boob job or one of those.
• 20:05
  Speaker 4: BBL butt lifts that every second influencer sounds like they're getting.
• 20:08
  Speaker 4: At the moment, I didn't realize that elective could go
• 20:11
  Speaker 4: into things like cart surgery that are literally life imping.
• 20:15
  Speaker 5: So unless you're actually really, really sick and really dying,
• 20:19
  Speaker 5: then yeah, they probably you're probably further down on the list.
• 20:23
  Speaker 5: But I was very lucky. I went through the private
• 20:25
  Speaker 5: system and my heart surgery was about fifty thousand dollars,
• 20:29
  Speaker 5: but private health covered that, which was amazing and I'm
• 20:33
  Speaker 5: so grateful for it. Except for the pain killers.
• 20:36
  Speaker 3: Yeah, well, except for some painkillers.
• 20:39
  Speaker 5: Poll send you some.
• 20:42
  Speaker 4: I'm sure we could find somebody to hook you up
• 20:44
  Speaker 4: with a paracetamol.
• 20:46
  Speaker 5: Yeah, that's all it was, really and just some blood
• 20:50
  Speaker 5: thinners and that's all it was really. So it was
• 20:52
  Speaker 5: just over the counter stuff.
• 20:54
  Speaker 2: And I can't believe that the whole thing was covered.
• 20:57
  Speaker 3: That's so incredible. Wow, that's so.
• 21:01
  Speaker 4: I am always so impressed at our health system and
• 21:04
  Speaker 4: how supportive it is and that so that makes me
• 21:07
  Speaker 4: so happy that I just pay tags. Like technically, Tony,
• 21:11
  Speaker 4: we kind of helped money direst get heart surgery.
• 21:14
  Speaker 3: Yeah, it sounds like I'll take that. I'm basically a doctor.
• 21:17
  Speaker 3: I mean, I probably.
• 21:18
  Speaker 4: Wouldn't go that far, but if anybody wants a referral
• 21:21
  Speaker 4: into doctor Tony, you just see me.
• 21:24
  Speaker 3: You don't even need to go to your GP.
• 21:27
  Speaker 5: But I guess in contrast to that, So, like I
• 21:30
  Speaker 5: said in the email, I have been recently diagnosed with
• 21:33
  Speaker 5: the tumor or a schwarnoma as it's called. So I
• 21:37
  Speaker 5: had some weird symptoms, got it checked out. I've had
• 21:40
  Speaker 5: about six scans and a biopsy done in the last
• 21:42
  Speaker 5: six weeks, which has cost about just over one thousands
• 21:46
  Speaker 5: of dollars so much through privately. I'm very lucky that
• 21:51
  Speaker 5: my'm still again, my mum, my family have helped me
• 21:54
  Speaker 5: out a lot. I've paid for a little bit as well,
• 21:56
  Speaker 5: but you know, being still in UNI and not being
• 21:58
  Speaker 5: able to work as much, it's just yeah, I couldn't
• 22:01
  Speaker 5: do it on my own. I'd still be waiting and
• 22:03
  Speaker 5: again I'm going to need to have surgery for that
• 22:05
  Speaker 5: as well to remove that tumor, and that again an
• 22:09
  Speaker 5: elective surgery. So it was either watch and wait for
• 22:12
  Speaker 5: it to grow, maybe cause more damage, or just get
• 22:15
  Speaker 5: it removed.
• 22:16
  Speaker 4: Wow.
• 22:17
  Speaker 3: So what does that mean for you?
• 22:19
  Speaker 4: I'm sorry again showing my native but you said that
• 22:23
  Speaker 4: it's not a tumor, it's called something different which I can't.
• 22:27
  Speaker 5: Oh, it's a shurenoma, which it is a tumor. Yeah.
• 22:30
  Speaker 4: Does that mean that you're going to have to go
• 22:32
  Speaker 4: through just having it removed or is there some kind
• 22:34
  Speaker 4: of like radiation or like chemo or something that is
• 22:38
  Speaker 4: related to this or is this benign?
• 22:40
  Speaker 5: Well, it is benign, which I'm very lucky about because
• 22:43
  Speaker 5: I was after I had my first skin I was
• 22:46
  Speaker 5: at prack and I got a call from the doctor.
• 22:48
  Speaker 5: I missed it because I didn't answer it, and then
• 22:50
  Speaker 5: I left a voice fail. I said, oh, can you
• 22:51
  Speaker 5: come in just to talk about your results? And I
• 22:53
  Speaker 5: went in and the doctor said, all it could be lymphoma,
• 22:57
  Speaker 5: which is cancer, which was very scary. And then I
• 23:01
  Speaker 5: got you know, I had those six weeks of tests basically,
• 23:04
  Speaker 5: and then they found out it wasn't cancer, which was
• 23:07
  Speaker 5: a relief, but it was still and I was actually
• 23:11
  Speaker 5: preparing for the worst. You know, the cost of chemo.
• 23:15
  Speaker 5: You know, who's going to look after me, who held
• 23:17
  Speaker 5: my Mom's going to be able to look after me
• 23:19
  Speaker 5: and pay the bills, and you know, I was ready
• 23:22
  Speaker 5: to get a will, ready.
• 23:23
  Speaker 4: So stressful to even have to go through.
• 23:26
  Speaker 5: Yeah, so it was. It was full on for a while.
• 23:29
  Speaker 5: But I know now that it's still there and it's
• 23:32
  Speaker 5: still not good. But I'm so lucky that it wasn't
• 23:35
  Speaker 5: anything nasty.
• 23:37
  Speaker 4: So oh, I'm so grateful that it isn't anything too nasty.
• 23:41
  Speaker 4: But after too open heart surgeries, you would have really
• 23:43
  Speaker 4: thought that you had been done with stuff like that.
• 23:47
  Speaker 5: Oh, I know. And then I was talking to the
• 23:50
  Speaker 5: neurosurgeon and it's I laugh about it and people ask
• 23:54
  Speaker 5: me why I laugh about it, and I said, well,
• 23:56
  Speaker 5: if you can't laugh about it, then what can you
• 23:58
  Speaker 5: do that. The neuros said, he's going to have to
• 24:01
  Speaker 5: remove it from my back and go through my spine,
• 24:05
  Speaker 5: but he's going to have to remove a rib as well,
• 24:08
  Speaker 5: So it's going to be a bit of a full
• 24:10
  Speaker 5: on surgery. And I'm preparing not to work again for
• 24:12
  Speaker 5: about six weeks and just preparing my finances that way.
• 24:16
  Speaker 4: Oh my gosh, well you're going to have to remove
• 24:19
  Speaker 4: a rib to help fix your back. I wouldn't have
• 24:21
  Speaker 4: even thought that that was something that was necessary, but
• 24:24
  Speaker 4: it obviously makes sense and that's the safest and best
• 24:27
  Speaker 4: way to do it, so.
• 24:28
  Speaker 3: Get it done.
• 24:29
  Speaker 4: But my gosh, you have been through the wars, so
• 24:33
  Speaker 4: when it comes to not being able to work, I
• 24:37
  Speaker 4: am in a position where I've I know a lot
• 24:39
  Speaker 4: of people who have chronic illnesses like I would say
• 24:43
  Speaker 4: you do, which is something that is ongoing and consistent
• 24:46
  Speaker 4: within your life. It's not just that six weeks it
• 24:49
  Speaker 4: impacts though, is it like you're taking that off fully?
• 24:52
  Speaker 4: How else does this impact your work and your ability
• 24:55
  Speaker 4: to generate an income?
• 24:56
  Speaker 3: For yourself.
• 24:57
  Speaker 5: Yeah, so, like I said, six weeks, but it could
• 25:00
  Speaker 5: be more. It just depends on how well I heal,
• 25:03
  Speaker 5: if there's any complications, which probably won't happen, but you know,
• 25:07
  Speaker 5: it does happen, and if I do return back to work,
• 25:09
  Speaker 5: it's very stressful work, I guess. You know, you might
• 25:13
  Speaker 5: get a client that isn't very capable looking after themselves,
• 25:17
  Speaker 5: so you have to lift them or you have to
• 25:19
  Speaker 5: help them, so that I've got to think about that
• 25:21
  Speaker 5: as well, and who I'm going to work with what clients,
• 25:24
  Speaker 5: And then I'm also starting placement again next year, so
• 25:28
  Speaker 5: missing work from that as well. But I've got such
• 25:31
  Speaker 5: good family support, which is the best thing, and a
• 25:34
  Speaker 5: lot of people don't have that and they go through
• 25:36
  Speaker 5: similar stuff as well. So I'm very lucky and I'm
• 25:39
  Speaker 5: very privileged to have the family support that I do.
• 25:41
  Speaker 4: But it's still a pretty big load to carry at
• 25:44
  Speaker 4: the end of the day, because money.
• 25:46
  Speaker 3: Don is how old are you?
• 25:47
  Speaker 4: I'm twenty three, You're twenty three, and you've still got
• 25:50
  Speaker 4: to go through all of that, and that's obviously significantly
• 25:53
  Speaker 4: impacting your ability to work and study and do all
• 25:55
  Speaker 4: of those things. What do you think that looks like
• 25:59
  Speaker 4: long term. So obviously this is your second heart surgery,
• 26:02
  Speaker 4: and that was planned. It's not something that just popped
• 26:05
  Speaker 4: out of nowhere. Is that going to be your final one?
• 26:08
  Speaker 4: Are there others that you're going to have to go
• 26:10
  Speaker 4: through or even ongoing medications you need to be paying for.
• 26:14
  Speaker 5: So I'm very lucky. So I had my open heart,
• 26:16
  Speaker 5: and then for my next heart surgery it will be
• 26:19
  Speaker 5: by a catheter.
• 26:20
  Speaker 3: Oh wow.
• 26:21
  Speaker 5: Yeah. So the big actually healing process with heart surgery
• 26:24
  Speaker 5: is your sternum because they saw that in half and
• 26:27
  Speaker 5: that's got a fuse together and yes, sorry gets a big,
• 26:30
  Speaker 5: big but it's not actually well, your heart has to
• 26:32
  Speaker 5: be careful, but it's your sternham that you know, you
• 26:34
  Speaker 5: can't drive six weeks in cases, if you get into
• 26:37
  Speaker 5: a car accident, you can break it again. So that's
• 26:40
  Speaker 5: your big recovery. So but yeah, so that won't be
• 26:44
  Speaker 5: for another ten years, for fifteen years, and then after
• 26:47
  Speaker 5: that another ten to fifteen years, and then I probably
• 26:49
  Speaker 5: won't have another open heart till about fifty or so,
• 26:52
  Speaker 5: which is amazing. Like the back when I was a
• 26:55
  Speaker 5: baby was very complicated. I was very very sick. I
• 26:58
  Speaker 5: was in ICU for nine days and whereas this time
• 27:01
  Speaker 5: it was only two days. So my mom was I
• 27:03
  Speaker 5: think she was very stress leading up to it, but
• 27:05
  Speaker 5: this time it would just smooth.
• 27:06
  Speaker 4: Sailing, would be easier for everybody to deal with.
• 27:10
  Speaker 5: Yeah. Yeah, And I have actually have a cow valve,
• 27:13
  Speaker 5: so that's the interesting things. I don't have to have
• 27:16
  Speaker 5: medication for that, which is very lucky, whereas some people
• 27:20
  Speaker 5: need to go on war friend if they have to
• 27:21
  Speaker 5: have an artificial valve.
• 27:23
  Speaker 3: Yeah. Wow.
• 27:23
  Speaker 4: And so they were able to make one out of
• 27:26
  Speaker 4: a cow's heart for you.
• 27:28
  Speaker 3: Yeah, how cool is that?
• 27:31
  Speaker 5: I know, I know it actually got a cow tattoo
• 27:33
  Speaker 5: in honor of my little cows save my life.
• 27:37
  Speaker 4: That is such a cute cow as well. Oh my gosh, money, Doris,
• 27:41
  Speaker 4: I feel like you've been through a lot, and it's
• 27:43
  Speaker 4: genuinely so interesting to know what that looks like. Because
• 27:47
  Speaker 4: from my perspective, wouldn't they just fix your heart and.
• 27:50
  Speaker 3: You were fixed?
• 27:52
  Speaker 4: What does it mean to have one every you said
• 27:54
  Speaker 4: ten to fifteen years? Why do they need to do them?
• 27:57
  Speaker 4: Is it maintaining it? Is it switching it?
• 27:59
  Speaker 5: Like?
• 28:00
  Speaker 3: What does that mean?
• 28:01
  Speaker 5: Yeah? So my diagnosis is congenital heart defect, and that
• 28:05
  Speaker 5: is the broad spectrum that every baby or kid is
• 28:08
  Speaker 5: diagnosed with if they have a heart condition and it
• 28:11
  Speaker 5: can never be fixed. Ever, it's just maintained. Some people
• 28:15
  Speaker 5: don't even need to have surgery. Some need routine surgery
• 28:19
  Speaker 5: every five years. There's some severe cases where some kids
• 28:22
  Speaker 5: might need a heart transplant, which is when their heart
• 28:25
  Speaker 5: just is not capable of getting fixed at all. Yeah,
• 28:29
  Speaker 5: I'll never be fixed, and I'll always have to go
• 28:31
  Speaker 5: to hospital every year to get scans and everything to
• 28:34
  Speaker 5: see my heart's okay. But that's my whole life. But
• 28:38
  Speaker 5: I've been very lucky. My Mum's always raised me like
• 28:40
  Speaker 5: any other kid. She's never treated me any different because
• 28:43
  Speaker 5: of my condition. She's always you know, she said, you know,
• 28:46
  Speaker 5: you play sport if you want to. I wasn't the
• 28:48
  Speaker 5: fastest kid. I was always slow point. But it was
• 28:53
  Speaker 5: I think that really humbled me a lot too, and
• 28:55
  Speaker 5: it made me realize that even though I am gone
• 28:57
  Speaker 5: through a lot, I'm very lucky. I may to walk, talk,
• 29:01
  Speaker 5: breathe on my own. I'm able to live my life
• 29:04
  Speaker 5: how I want to. I can travel, i can live
• 29:06
  Speaker 5: my own life, have a family, And unfortunately some people
• 29:09
  Speaker 5: can't have that, And I think that really resonates with me,
• 29:13
  Speaker 5: that I am one of the lucky ones in that way.
• 29:16
  Speaker 2: And because obviously aside from all the parts of your
• 29:19
  Speaker 2: life that are a bit different, you know, you have
• 29:22
  Speaker 2: to go and have surgery every however often, and like
• 29:25
  Speaker 2: unfortunately you do have to pay for those things. But like,
• 29:28
  Speaker 2: it's really cool that you've had such a normal, normal life,
• 29:32
  Speaker 2: I guess is no normal, but that you were able
• 29:35
  Speaker 2: to be like a regular kid and run around and
• 29:38
  Speaker 2: yell and scream and get dirty and stuff, because imagine
• 29:40
  Speaker 2: if you hadn't been able to have that, And it's
• 29:42
  Speaker 2: just it's so lovely that you have such an amazing
• 29:45
  Speaker 2: outlook on everything.
• 29:47
  Speaker 3: Yeah, you're so positive.
• 29:48
  Speaker 4: I find it really interesting that everybody that we have
• 29:52
  Speaker 4: spoken to Tony that has been through something as significant
• 29:55
  Speaker 4: and as this is usually one of the most positive
• 29:59
  Speaker 4: people that we come across. They're always so grateful for
• 30:03
  Speaker 4: everything that they have and they've just got this outlook
• 30:05
  Speaker 4: on life that you go, why can't I be more
• 30:08
  Speaker 4: like that? Like sometimes I just know that I need
• 30:12
  Speaker 4: to take a leaf out of our money direst books
• 30:14
  Speaker 4: because I'm like, how are they so positive? And laughing
• 30:17
  Speaker 4: about something like, you know, open heart.
• 30:20
  Speaker 3: Surgery, waging a rib. Yeah, and You're like, yep, it's cool.
• 30:25
  Speaker 4: Just take six weeks off work, get it done. And
• 30:27
  Speaker 4: I'm like, oh, okay, it's just how I heal.
• 30:30
  Speaker 3: You know, we'll see. I'm like, I would be losing
• 30:33
  Speaker 3: my mind.
• 30:34
  Speaker 2: Yeah, Like, I definitely take so much for granted. And
• 30:36
  Speaker 2: it's such an eye opening chat to be able to
• 30:39
  Speaker 2: talk to you and hear you go no, But it's
• 30:41
  Speaker 2: just it is the way that it is, and I'm
• 30:43
  Speaker 2: so lucky in so many other ways, like wow, what
• 30:46
  Speaker 2: a like, Oh, just such a pleasure to chat to you,
• 30:49
  Speaker 2: because what an amazing insight into your life and your outlook.
• 30:54
  Speaker 3: Agreed, So agreed.
• 30:56
  Speaker 4: I'm so grateful that you wanted to share your money
• 30:58
  Speaker 4: diary with us.
• 30:59
  Speaker 3: And I'm sure or that.
• 31:00
  Speaker 4: There are people listening to this that are like, oh
• 31:02
  Speaker 4: my gosh, that stories me, Like that's happened to me.
• 31:05
  Speaker 4: And I'm a casual and I'm at UNI and I'm
• 31:07
  Speaker 4: not the only one. And yeah, it's a lot, but
• 31:10
  Speaker 4: I'm so grateful that you genuinely want to share your
• 31:12
  Speaker 4: money diary with us.
• 31:14
  Speaker 5: Oh thank you. Yeah, it's just you know, if you
• 31:18
  Speaker 5: can't laugh about it, then you know, what can you
• 31:21
  Speaker 5: do with.
• 31:21
  Speaker 3: You can cry?
• 31:22
  Speaker 4: That's the like, and I think, yeah, of course, and
• 31:26
  Speaker 4: I wouldn't expect anything less, but it's one thing to
• 31:30
  Speaker 4: cry about it and then you know, continue to be
• 31:32
  Speaker 4: down in a flat about it, because we all know
• 31:34
  Speaker 4: that happens. Some people are just that way inclined.
• 31:37
  Speaker 3: But you've gotten up, dusted yourself off. You're like, it
• 31:39
  Speaker 3: is what it is. Let's get on with life. I've
• 31:41
  Speaker 3: got stuff to do.
• 31:42
  Speaker 4: I'm going to union, I'm going to do a master's.
• 31:44
  Speaker 4: I've got, you know, a life to live. And if
• 31:46
  Speaker 4: that means I have a surgery every fifteen years, technology
• 31:49
  Speaker 4: is advancing.
• 31:49
  Speaker 3: That's fine.
• 31:50
  Speaker 4: It's getting easier every time. Like, what a legend, Tony.
• 31:55
  Speaker 4: It's very cool.
• 31:56
  Speaker 5: I think, Yeah, My mum's always been my biggest supporter,
• 31:59
  Speaker 5: and I think, you know I've come this far. You
• 32:02
  Speaker 5: know she's thought this hard for me. You know she
• 32:06
  Speaker 5: could have left me as a kid, but you know
• 32:07
  Speaker 5: she's stuck through and you know she stayed and she
• 32:11
  Speaker 5: was my biggest support of my whole life and she
• 32:12
  Speaker 5: still is. So I do everything for her.
• 32:14
  Speaker 3: Bought a legend.
• 32:15
  Speaker 4: She didn't come as far to only come this far,
• 32:18
  Speaker 4: my friend, But unfortunately I do think that is all
• 32:22
  Speaker 4: we have time for today. So as always, just before
• 32:25
  Speaker 4: we head off, we'd like to acknowledge and pay respect
• 32:28
  Speaker 4: to Australia's Aboriginal and torrest Ray Islander people's. They're the
• 32:32
  Speaker 4: traditional custodians of the lands, the waterways and the sky's
• 32:36
  Speaker 4: all across Australia.
• 32:38
  Speaker 3: We thank you for sharing and the caring for the
• 32:40
  Speaker 3: land on which we are able to learn.
• 32:42
  Speaker 4: We poyer respects to elders past and present, and we
• 32:45
  Speaker 4: share our friendship and our kindness.
• 32:48
  Speaker 2: The advice shared on She's on the Money is generally
• 32:50
  Speaker 2: nature and does not consider your individual circumstances. She's on
• 32:54
  Speaker 2: the Money exists purely for educational purposes and should not
• 32:57
  Speaker 2: be relied upon to make an investment or any financial decision.
• 33:01
  Speaker 2: And we promise that Victoria Divine is an authorized representative
• 33:05
  Speaker 2: of Australia Pacific Funds Management Propriety Limited ABM three four
• 33:09
  Speaker 2: one three two four six three two five seven AFSL
• 33:13
  Speaker 2: three three nine one five one.
• 33:15
  Speaker 3: See you next week, guys, ZB