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MONEY DIARIES: Baby Budgeting · She's On The Money

0:00
Speaker 1: She's on the Money.
0:02
Speaker 2: She's on the Money.
0:23
Speaker 3: Hello, and welcome to She's on the Money, the podcast
0:26
Speaker 3: for millennials who want financial freedom. My name is Tony Lodge,
0:30
Speaker 3: and joining me for another shot back money diary is
0:33
Speaker 3: financial advisor Victoria Devine.
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Speaker 4: Tony Lodge, Welcome back to another money diary, which I'm
0:39
Speaker 4: very excited for. You've been hyping this one up for
0:43
Speaker 4: a little.
0:43
Speaker 5: While, like I always do.
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Speaker 4: I feel like you always pick the good money diaries
0:48
Speaker 4: and also props to you for doing the inbox for that.
0:52
Speaker 4: I know it is a massive undertaking. Thank you so
0:56
Speaker 4: much reading, but you get all the pervy insights to community,
1:00
Speaker 4: even the ones that maybe don't make the show.
1:03
Speaker 3: Uh huh yeah, and there are a lot, and all
1:05
Speaker 3: of them are amazing. Unfortunately we can't get back to everybody,
1:08
Speaker 3: but if you do have a great money story, we'd
1:11
Speaker 3: love for you to email through on podcast at She's
1:13
Speaker 3: ondomoney dot com dot you.
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Speaker 4: We absolutely would, so, without further ado, Tony Lodge, could
1:18
Speaker 4: you read out this week's money diarists email to me?
1:21
Speaker 5: All Right, here we go.
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Speaker 3: My parents got married at nineteen and twenty had me
1:26
Speaker 3: at twenty two and twenty three. And were studying accounting
1:29
Speaker 3: and law. They had built and owned a very successful
1:32
Speaker 3: accounting practice that made us a nice few million. My
1:35
Speaker 3: parents worked hard around the clock and deserved every dollar.
1:38
Speaker 3: After a few unfortunate business decisions, the business was sold,
1:42
Speaker 3: our mortgage was paid off, but we had little disposable cash.
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Speaker 3: My mom, while working with my dad, never took a
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Speaker 3: wage or had her super paid. Amazingly, she secretly saved
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Speaker 3: up over one hundred thousand dollars over there eighteen years together.
1:56
Speaker 3: Chan you out to PLUSA and put a deposit on
1:59
Speaker 3: our new home home. We had no white goods or furniture,
2:02
Speaker 3: but we had a roof over our heads. Things escalated
2:05
Speaker 3: between my parents and I moved out at almost seventeen
2:08
Speaker 3: after dealing with a drug addiction, domestic abuse, and related
2:11
Speaker 3: mental health illnesses. I moved across the state, bought a
2:15
Speaker 3: nineteen seventy two caravan on an empty block of land,
2:18
Speaker 3: and scored a full time management role, but had no
2:21
Speaker 3: access to amenities. I found myself having to sell my
2:25
Speaker 3: caravan and spend the night in my car sleeping next
2:27
Speaker 3: to my two pets. I took out my entire super
2:30
Speaker 3: to pay off some debt and moved across the state again.
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Speaker 3: From there, I met my future forever soulmate, who had
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Speaker 3: come from a similar money story. Now I run a
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Speaker 3: business and work for an agency, both in the NDIS sector,
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Speaker 3: earning anywhere from one thousand to three thousand dollars a
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Speaker 3: week for attacks, and I know the importance of super
2:49
Speaker 3: Thanks to she's on the money.
2:51
Speaker 4: What a queen.
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Speaker 3: While we haven't been able to get into the housing
2:55
Speaker 3: market yet, fate had its way and blessed us with
2:57
Speaker 3: not a home loan, but a long awaited baby. Thanks
3:01
Speaker 3: to you, we're on our way to financial freedom.
3:03
Speaker 1: Oh my gosh, what a story.
3:06
Speaker 2: It takes a rest, but it's very good.
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Speaker 4: I did not see any of that coming. Congratulations for
3:13
Speaker 4: going through all of that, and also welcome to the show.
3:17
Speaker 1: Thank you. I am so excited to be able to
3:19
Speaker 1: share this.
3:20
Speaker 3: Oh my god, thank you so much for sharing your story,
3:23
Speaker 3: because it sounds like you've been through a lot.
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Speaker 4: So much like you're one of those I can already
3:30
Speaker 4: tell you're one of those people that are really old souls,
3:33
Speaker 4: Like we're talking just before this episode started recording, and
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Speaker 4: I was like, she's an old soul, And now it
3:38
Speaker 4: just makes sense that you've been on such a wild journey.
3:42
Speaker 4: Let's jump straight into the questions that we usually ask
3:45
Speaker 4: our money Doris, and then we can get into the
3:47
Speaker 4: purvy stuff a little bit later, and I can ask
3:49
Speaker 4: about your baby. So first things first, what is your
3:54
Speaker 4: attitude towards money?
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Speaker 1: I love money, I definitely.
4:00
Speaker 5: I think that's the most honest answer we've ever had. Yeah,
4:04
Speaker 5: I love it.
4:05
Speaker 1: I love buddy.
4:07
Speaker 6: It's true. It's not so much like I enjoy being
4:12
Speaker 6: able to put I guess a value on the work
4:18
Speaker 6: that I do and feel that financially like doing what
4:23
Speaker 6: I love, Like I love my job. I love my business,
4:25
Speaker 6: and I've had that before, but it's not financially been
4:28
Speaker 6: something that I can sort of continue. So I'm so
4:32
Speaker 6: so privileged to be able to do a job that
4:34
Speaker 6: I love and be able to survive on the money, like.
4:39
Speaker 1: More than survive.
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Speaker 6: So I it's been really positive, Like obviously, from going
4:46
Speaker 6: to having everything to having nothing, like when my parents
4:50
Speaker 6: split up, that's when mum bought the house.
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Speaker 4: And okay, that makes sense. I did have questions about
4:55
Speaker 4: that because I was like, yeah, it doesn't it make
4:57
Speaker 4: a lot of sense why she would have stashed some
4:59
Speaker 4: cash and then brought another house for both of them,
5:02
Speaker 4: but that makes more sense.
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Speaker 1: Yeah, so they split up.
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Speaker 6: I think I was about thirteen or fourteen, and then
5:08
Speaker 6: obviously divorced a while later. So that's where Mum and
5:12
Speaker 6: I moved into that home and we had nothing, and
5:14
Speaker 6: so I spent my last like thirty two dollars on
5:18
Speaker 6: some gourmet pizzas for me and Mum and we just
5:20
Speaker 6: sat in.
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Speaker 1: The house on the floor.
5:23
Speaker 6: And yeah, and like I've always like said growing up,
5:26
Speaker 6: you know, trying to comfort my mom. She did an
5:29
Speaker 6: amazing job as like after they split up, but trying
5:31
Speaker 6: to comfort her that, like, you know, I have when
5:34
Speaker 6: I think of positive and happy memories, I think of that,
5:37
Speaker 6: Like that's the first thing I think of, having no
5:39
Speaker 6: money on the floor with like a lambsu blaky pizza.
5:43
Speaker 1: That's it, you know.
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Speaker 6: So yeah, I mean it's it's it's it's always been positive,
5:48
Speaker 6: like regardless of how much or how little we've had,
5:50
Speaker 6: it's always been positive.
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Speaker 4: That's so special. All right, next question for you, I
5:56
Speaker 4: really want to know the answer to this one. What
5:58
Speaker 4: do you do for work? And we kind of know
6:00
Speaker 4: that how much money do you earn?
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Speaker 6: So I'm a support worker. So I work with in
6:07
Speaker 6: the disability and mental health sector. I work with an
6:10
Speaker 6: agency who employs me and obviously pays me. And then
6:15
Speaker 6: I was working with a lot of high risk clients
6:18
Speaker 6: both to me, like risk to me and risk the public.
6:21
Speaker 6: So when I got pregnant, they basically said, like, we're
6:24
Speaker 6: not letting me work with them. So I have a
6:27
Speaker 6: couple that I.
6:28
Speaker 1: Still work with that are sort of low risk.
6:30
Speaker 6: But that's when I needed to shift into something that
6:33
Speaker 6: I was able to sort of manage myself. So I
6:37
Speaker 6: opened up a small business. It's just me and I
6:40
Speaker 6: kind of just do like a one stop shop for
6:43
Speaker 6: NDIS participants, so like gardening, cooking, cleaning, support, work, transport. Yeah,
6:49
Speaker 6: and so I think all up, I have like maybe
6:51
Speaker 6: seven or eight clients between the two that I manage,
6:54
Speaker 6: and if I work a full week, it's about three
6:58
Speaker 6: thousand dollars before I obviously don't work a full week
7:02
Speaker 6: the whole year, but then on average it's about a
7:06
Speaker 6: thousand dollars a week that before tax that I can
7:09
Speaker 6: kind of pull in. If that's really honestly, it's working
7:12
Speaker 6: about twenty hours a.
7:13
Speaker 4: Week, So how cool and to know that you're doing
7:17
Speaker 4: that and you're obviously quite passionate about it. But twenty
7:20
Speaker 4: hours a week and having a bambino it makes life
7:23
Speaker 4: a little bit more flexible.
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Speaker 1: Which we love al right.
7:27
Speaker 4: Next structured question, what is your big money goal?
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Speaker 6: So it was to buy a house. Both my partner
7:36
Speaker 6: and I. We wanted to sort of buy something with
7:40
Speaker 6: a better land so that, you know, we can do
7:43
Speaker 6: what we want, like he wants motorbikes and I want
7:44
Speaker 6: a horse. So obviously, living where we do like sort of,
7:48
Speaker 6: I guess it's Metro Melbourne, we can't afford that and
7:52
Speaker 6: there's not that much around.
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Speaker 1: That would cater to that either.
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Speaker 6: So we were thinking of buying just investment property to
8:01
Speaker 6: obviously live in for the next twelve twenty four months
8:04
Speaker 6: and then move on from there. But we can't even
8:07
Speaker 6: get into the housing market, so we were just sort
8:09
Speaker 6: of sitting on it renting where we are. We're lucky
8:11
Speaker 6: that our landlord hasn't raised our rent the whole through
8:13
Speaker 6: the whole COVID.
8:14
Speaker 1: So we've been really fortunate.
8:17
Speaker 6: And then yeah, we were just sort of sitting there
8:18
Speaker 6: and just saving as much as we could for as
8:20
Speaker 6: long as we could. And then obviously the babies come along.
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Speaker 6: So yeah, so I guess like the money goal, it's
8:27
Speaker 6: kind of backwards, but is to have this baby as
8:29
Speaker 6: cheap as possible.
8:32
Speaker 4: Hold on, hold on, so are you pregnant or if
8:34
Speaker 4: you had this baby.
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Speaker 1: I'm pregnant. I'm just so.
8:37
Speaker 4: The baby boy hasn't even arrived yet, know how hot on?
8:41
Speaker 4: How many weeks are you?
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Speaker 1: Just over twelve weeks?
8:43
Speaker 4: Oh my gosh, that's so exciting.
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Speaker 1: Oh my gosh, I'm so new.
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Speaker 6: Yeah, like crazy crazy you Like, we were lucky to
8:49
Speaker 6: find out. We found out really really early, and then
8:52
Speaker 6: that kind of stucked because there was so long between
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Speaker 6: when we found out and when we could actually, you know,
8:58
Speaker 6: tell people be excited.
9:00
Speaker 1: Yeah, so, oh my gosh.
9:01
Speaker 4: So this is like a baby announcement money diary.
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Speaker 1: Well, yeah, it is because someone who's.
9:06
Speaker 4: Completely anonymous guys having a baby, and she's really excited.
9:11
Speaker 4: All right, back to questions, do you currently have any investments?
9:16
Speaker 1: I do? I didn't.
9:19
Speaker 6: I started listening to She's on the Money towards the
9:21
Speaker 6: end of last year, and then I made my first
9:23
Speaker 6: investment on Spaceship.
9:25
Speaker 4: In January, and she's an investor.
9:28
Speaker 6: I'm an investor, and that's been like it's like a
9:32
Speaker 6: twenty nine almost thirty percent return on those.
9:36
Speaker 1: Yeah, so that's yeah.
9:38
Speaker 6: I've just sort of been randomly, like I'm not fantastic
9:42
Speaker 6: at you know, planning it every week, but I just
9:45
Speaker 6: randomly put some money in there. And then I also
9:48
Speaker 6: just recently opened up the Chares's portfolio as well. And
9:53
Speaker 6: I'm enjoying shares more because it's more interactive, because I
9:56
Speaker 6: can kind of go through and pick and like, you know,
9:58
Speaker 6: just gives me something to do bitter you know, eleven
10:01
Speaker 6: year twelve economics trading on the AX.
10:05
Speaker 4: I love that We've had so much positive feedback on
10:08
Speaker 4: our community, loving the shares these platform, So I'm not
10:11
Speaker 4: surprised that you're enjoying it. I love it too. So
10:16
Speaker 4: flipping away from investments, do you have any debts?
10:21
Speaker 6: I don't, actually, is she Well, the most the reason
10:27
Speaker 6: debt that I had was my laptop, and that's because
10:29
Speaker 6: I was working from home obviously, just doing video calls
10:32
Speaker 6: and I'm back at UNI too. So paid that off.
10:35
Speaker 6: I mean I put that on zip pay. I paid
10:37
Speaker 6: it off. I think it was like one hundred and
10:39
Speaker 6: something dollars a week minimum, so it was gone within
10:41
Speaker 6: like almost two months. I think the only thing I've
10:44
Speaker 6: got is like a two thousand dollars help fee for UNI,
10:47
Speaker 6: and that's it.
10:47
Speaker 4: All right, We're talking about buying new laptops before the
10:52
Speaker 4: next question is do you currently use shopback?
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Speaker 1: I do?
10:57
Speaker 4: Oh did you buy your laptop on shop back?
10:59
Speaker 1: I did?
11:00
Speaker 6: It's actually kay, yeah, So I had the same problem Tony.
11:05
Speaker 6: I think it was you that on my phone. I
11:08
Speaker 6: was just forgetting to use it. So when I heard
11:11
Speaker 6: the episode about the Chrome extension, I was like, okay,
11:16
Speaker 6: I jumped everybody's welcome.
11:18
Speaker 1: That was me, guys, that was seeing me. So yeah,
11:21
Speaker 1: I jumped on and I shot back.
11:23
Speaker 6: I've you shot back for like buying all the stuff
11:25
Speaker 6: for the baby. Yeah, And so like I've been able
11:30
Speaker 6: to get a little bit a little bit back on
11:33
Speaker 6: there because some of the stuff, like you know, sometimes
11:35
Speaker 6: you buy through Kogan and that particular thing that you
11:37
Speaker 6: want doesn't have any trash back. But it's also been
11:41
Speaker 6: handy to use to see the change in prices as well.
11:45
Speaker 6: So I can see that if like that item is
11:47
Speaker 6: eighty dollars, but six months ago it was like twenty,
11:50
Speaker 6: I know that I can kind of wait for it
11:52
Speaker 6: to go back down again.
11:55
Speaker 1: She's a wizard.
11:56
Speaker 5: Yeah, exchanging tips all over the place.
12:00
Speaker 4: I ask because I know some people will be like, well,
12:02
Speaker 4: why are you asking her that? But it's such a
12:04
Speaker 4: good money hacked and everybody uses it differently, and I
12:08
Speaker 4: am really pervy about how people shop online. I'm the
12:11
Speaker 4: same as Tony, albeit not as intelligent. I hadn't added
12:14
Speaker 4: the Chrome extension until she told me to, and now
12:16
Speaker 4: I have. I find myself just adding it a checkout
12:19
Speaker 4: instead of having to go back to the app and
12:22
Speaker 4: like redo it. Yeah, I'm a lazy gal, Like that
12:25
Speaker 4: just works, but it was for me exactly does it does? Right?
12:29
Speaker 4: So I feel like shotback might be your best money
12:32
Speaker 4: have it, But the next question is what is your
12:34
Speaker 4: best money habit?
12:36
Speaker 1: My best money have it definitely is saving.
12:40
Speaker 6: I've always, ever since I started working, like I was
12:42
Speaker 6: always saving. I always had an account that was non
12:45
Speaker 6: touchable that I obviously ultimately did end up touching for
12:48
Speaker 6: different reasons. Good reasons, yeah, good reasons like a holiday
12:53
Speaker 6: to Vietnam, like.
12:57
Speaker 1: What was a visiting family?
12:58
Speaker 6: So yes, So yeah, definitely saving, like I as soon
13:01
Speaker 6: as I get any type of money, even if I
13:03
Speaker 6: like sell something online for like twenty bucks. I always
13:06
Speaker 6: save some of it, even if it's like just two.
13:08
Speaker 1: Or three dollars.
13:10
Speaker 6: But I mean, especially like with what's been I guess
13:14
Speaker 6: most handy as savings recently is working through the business. Obviously,
13:19
Speaker 6: I have to pay tax at the end of the year,
13:21
Speaker 6: and so I also listened to the Business Bible, so
13:24
Speaker 6: I was saved saving the thirty percent even though I
13:28
Speaker 6: know that, like especially sort of this financial year, I'm
13:31
Speaker 6: not going to be making anywhere near enough to pay
13:34
Speaker 6: that much tax, so I'm still putting it in there
13:37
Speaker 6: and using it as my savings genius extra as well.
13:42
Speaker 4: Yeah, So it feel so much more empowered when you
13:44
Speaker 4: make decisions like that, because tax can be something that
13:46
Speaker 4: as a business owner I can really relate. It can
13:49
Speaker 4: be really overwhelming. But if you've got this structure where
13:52
Speaker 4: you're like, no, I put this amount aside, even though
13:54
Speaker 4: in the end of the day and I'm going to
13:55
Speaker 4: claim stuff and I know that maybe that's not what
13:57
Speaker 4: I'll end up paying, you always feel so much more
14:00
Speaker 4: confident because you know you're not going to get stung come.
14:02
Speaker 1: Here exactly exactly.
14:04
Speaker 4: Next question is, in comparison to that, what is your
14:09
Speaker 4: worst money habit.
14:11
Speaker 6: My worst money habit is I definitely go through phases
14:14
Speaker 6: of spending.
14:16
Speaker 1: I don't necessarily spend on myself.
14:21
Speaker 6: Like I will if I do, Like I'm going to
14:24
Speaker 6: you know, best and less of big w KMA and
14:26
Speaker 6: only buying clearance rack items. And if the perfect thing
14:29
Speaker 6: is there but it's you know, ten dollars and I
14:31
Speaker 6: know that I can get it for cheaper, I just
14:33
Speaker 6: won't buy it. So that's probably an like I wouldn't
14:37
Speaker 6: say like it's a worse money habit, but like I
14:38
Speaker 6: do need to kind of ease up and allow myself.
14:40
Speaker 1: To buy like some socks every now and then.
14:43
Speaker 6: But then on the contrary, like it's my partner's birthday
14:47
Speaker 6: coming up in Christmas, and so I had no issues
14:49
Speaker 6: dropping like twelve hundred dollars on his presence. Granted therefore
14:52
Speaker 6: work as well, so they're useful for him.
14:55
Speaker 1: It's not just stuff.
14:57
Speaker 6: But like he could just casually off and mentioned, oh,
15:00
Speaker 6: like I'd really like that. I'm like, here you go,
15:03
Speaker 6: like you've got it now.
15:04
Speaker 4: So yeah, So yeah, givinga is your love language, is
15:07
Speaker 4: what we're hearing. Yes, but you also deserve to maybe
15:11
Speaker 4: extend that grace to yourself especially if it means not
15:14
Speaker 4: buying socks my.
15:15
Speaker 6: Love, Like, yes, well, I just I budgeted in out
15:18
Speaker 6: because you'll be glad to hear, Victoria that we have
15:21
Speaker 6: a spreadsheet budget for our baby. So I budgeted and
15:25
Speaker 6: new underwear and new socks and stuff into that spreadsheet.
15:28
Speaker 1: So that makes me feel better about it because it
15:30
Speaker 1: takes for the baby. So that is true.
15:34
Speaker 4: You definitely do need to do that. Can I be
15:37
Speaker 4: a little bit pervy here?
15:38
Speaker 6: Go?
15:38
Speaker 4: For? Sorry, how much do you think this baby is
15:41
Speaker 4: going to cost? You?
15:42
Speaker 1: Like?
15:42
Speaker 4: How far down this budgeting route for baby are you?
15:46
Speaker 6: So we went I went through and pretty much added
15:50
Speaker 6: everything I could possibly want onto this spreadsheet, and then
15:53
Speaker 6: I went through and obviously took things off as I
15:56
Speaker 6: kind of got a bit more knowledge and like, you know,
15:58
Speaker 6: you don't need the wipe's warmer, Like that's just ridiculous.
16:02
Speaker 6: So I went through and kind of have started cutting
16:05
Speaker 6: down a lot. And we had budgeted, obviously for as
16:08
Speaker 6: little as we could. And the original list adding everything
16:12
Speaker 6: that I wanted was four thousand dollars and then yeah,
16:16
Speaker 6: and then after taking everything off, I think I got
16:18
Speaker 6: it down to like just over three thousand dollars.
16:22
Speaker 4: And that's like everything that you're going to need, every dart,
16:25
Speaker 4: oh my gosh, everything.
16:27
Speaker 6: And so we ended up taking a couple of extra
16:31
Speaker 6: tests that we wanted done and it still fit under
16:34
Speaker 6: that four thousand dollars. And like, I want to spend
16:36
Speaker 6: a little bit extra on a prem so I've just
16:38
Speaker 6: taken out like the big full kit of these, like.
16:43
Speaker 1: The Tommy tippy bottles and stuff, because you know, I
16:46
Speaker 1: might not need them.
16:47
Speaker 6: Well they baby might not like that particular one. So
16:49
Speaker 6: I've added, you know, one hundred dollars at that onto
16:52
Speaker 6: something else, and then I've just got fifty dollars to
16:54
Speaker 6: kind of play around a bit. So yeah, we're hoping, well,
16:58
Speaker 6: it's looking like we can get it under four thousand dollars.
17:01
Speaker 6: And that's pretty much from birth to like six months, so.
17:03
Speaker 4: Oh my gosh, yeah, yeah, I agree. So to wrap
17:07
Speaker 4: this part of the pod, what would you grade yourself
17:10
Speaker 4: if I forced you to give yourself a money grade.
17:15
Speaker 6: I'm going to give myself a B plus just because
17:18
Speaker 6: I know that, like I have a lot of good
17:21
Speaker 6: money habits, but like, for example, I would like to
17:24
Speaker 6: be able to fully commit to you know, having even
17:28
Speaker 6: just five dollars a week, just constantly invest in that
17:30
Speaker 6: into each of my portfolios.
17:32
Speaker 1: I want to be able.
17:33
Speaker 6: To, I guess, like crunch down on what I am spending,
17:40
Speaker 6: on what I'm not spending, because I know that when
17:42
Speaker 6: I have leftover allocated spending money, like I could be
17:46
Speaker 6: saving it too, but I might be spending on something silly.
17:48
Speaker 6: So like just kind of going back and realigning my
17:52
Speaker 6: values because they've changed a lot, and right now the
17:55
Speaker 6: only value I have is the baby, So that's like, yeah,
18:00
Speaker 6: I guess I kind of just need to kind of
18:02
Speaker 6: disperse that out a little bit rather than just focusing
18:05
Speaker 6: on the one thing.
18:06
Speaker 4: So but it kind of makes sense that that's where
18:08
Speaker 4: your priorities are, right, Yeah, that's the biggest thing in
18:12
Speaker 4: your life.
18:13
Speaker 3: Yeah, and from what we've already learned about you, you
18:16
Speaker 3: seem super savvy, super switched on, super organized.
18:20
Speaker 5: You know, I think a B plus is more than fair.
18:22
Speaker 3: If anything, it might be a little bit low, but
18:24
Speaker 3: I think that you're bos to invest a little bit
18:27
Speaker 3: more consistently.
18:29
Speaker 5: I think that's a great goal.
18:31
Speaker 4: Yeah, I absolutely agree, And money Dorist, we have so
18:34
Speaker 4: many questions and we will get back to them right
18:36
Speaker 4: after this quick break. Okay, let's jump back into this.
18:45
Speaker 4: We haven't touched on it yet, but it did come
18:48
Speaker 4: up in your money story. You had a journey, we
18:51
Speaker 4: could say, of a money story, like you've gone from
18:55
Speaker 4: you know, wealth to not having wealth, to you know,
18:58
Speaker 4: living out of your car with your pets, to now
19:01
Speaker 4: finding the love of your life. How has that impacted
19:05
Speaker 4: your money story now as an adult and as a
19:07
Speaker 4: future new mum.
19:09
Speaker 1: It's it's honestly been crazy.
19:11
Speaker 6: Like if I could have a chance to go back
19:15
Speaker 6: and change anything, like I definitely it's cliche, but I wouldn't.
19:19
Speaker 6: I can pinpoint different behaviors that I have today, and
19:22
Speaker 6: I can pinpoint the lessons that they came from and
19:26
Speaker 6: what I learned. It's definitely like when I was growing up,
19:29
Speaker 6: obviously both parents being accountants, my mum had a background
19:32
Speaker 6: in law. I was given really good foundations for money habits,
19:38
Speaker 6: Like I was saving at two years old, you know,
19:41
Speaker 6: birthday money, you know, got split up savings account.
19:44
Speaker 1: Yeah, it was really cute.
19:45
Speaker 6: Like my parents an amazing job, especially when I was
19:47
Speaker 6: really young, being able to sort of stabilize.
19:52
Speaker 1: My future.
19:53
Speaker 6: And like when I was sixteen, I you know, was
19:55
Speaker 6: super excited to get heaps of different cards, like for
19:57
Speaker 6: my wallet and stuff. So like I got you know,
20:00
Speaker 6: my IG account swapped over so I could have a
20:02
Speaker 6: card to access it and like just stuff like that.
20:05
Speaker 6: Like it was, I had really good foundations and that
20:10
Speaker 6: I think is ultimately what stabilized my view on money.
20:15
Speaker 6: And you know, I've never been a frivolous spender. I've
20:18
Speaker 6: never you know, not saved. I've always worked at least
20:22
Speaker 6: three jobs up until i was you know, up here
20:24
Speaker 6: in Melbourne, and so I've been taught the value of money,
20:30
Speaker 6: both as a dollar value, but also as what it
20:34
Speaker 6: can bring and what it can do to people too.
20:37
Speaker 6: And yeah, the reason why I said, like white rat
20:39
Speaker 6: at the beginning was that I love money is because
20:41
Speaker 6: I love how I'm able to sort of view it
20:44
Speaker 6: and I don't let it control my life. But I
20:47
Speaker 6: also don't feel like I'm out of control, like knowing
20:50
Speaker 6: that we can have pretty much any emergency happened to
20:53
Speaker 6: us right now, and we're gonna be okay.
20:54
Speaker 1: We have enough money.
20:56
Speaker 6: Like that's like I'm an incredibly anxious person and it's
20:59
Speaker 6: just I've had no anxiety the past, you know, twelve
21:02
Speaker 6: months since having these savings I'm just like, I don't
21:05
Speaker 6: feel like anything, can you know, scare me?
21:08
Speaker 5: Like that's such a weight off your shoulders.
21:11
Speaker 1: Definitely.
21:12
Speaker 6: And like a couple of months ago, I had a
21:13
Speaker 6: car accident and my car got written off and I
21:16
Speaker 6: didn't have yeah, I only had third party insurance on it,
21:20
Speaker 6: and it was lucky that I did. You know, we
21:23
Speaker 6: were sort of thinking, well, we have a great Dane now.
21:25
Speaker 1: Too, so we've got elaborator.
21:28
Speaker 6: Yeah, so we're like, we, you know, we needed to
21:30
Speaker 6: get a bigger car anyway, so we were looking at it.
21:31
Speaker 6: We were looking at you know, like a Toyota Clugar
21:34
Speaker 6: and we're like, it's just you know, expensive. We were
21:37
Speaker 6: looking at getting into a loan, and I was like,
21:38
Speaker 6: you know what I'm going to get.
21:40
Speaker 1: This is a car I want.
21:41
Speaker 6: And I've got a two thousand and two Toyota Cameri
21:43
Speaker 6: wagon fits the dogs, will fit the baby, and I
21:46
Speaker 6: think it costs like five thousand dollars And that all
21:50
Speaker 6: came out of our savings. So instead of yeah, instead
21:53
Speaker 6: of going into debt, getting a loan and you know,
21:56
Speaker 6: financing and stuff like that, just decisions like that that.
21:59
Speaker 4: Smart money decisions that are going to save you for
22:01
Speaker 4: the long term, and yeah, I think that too many
22:04
Speaker 4: times people really undervalue those decisions. Go oh, but that's
22:08
Speaker 4: not what I really want. I should just get what
22:09
Speaker 4: I really want. When in reality, that's given you financial
22:13
Speaker 4: freedom in the long term because you're not stressed about something.
22:17
Speaker 4: And yeah, I think that's so special.
22:19
Speaker 5: How old are you at the moment, Money.
22:21
Speaker 1: Direst twenty one almost twenty two?
22:23
Speaker 4: Oh my gosh, you're a baby.
22:26
Speaker 3: In your email, you said that you both you and
22:28
Speaker 3: your partner had quite a similar money story. Do you
22:31
Speaker 3: think that that's made it easier because you can understand
22:34
Speaker 3: each other's background and go, I know what you've been
22:37
Speaker 3: through because it was really hard for me as well.
22:39
Speaker 6: Yeah, definitely, in a lot of ways, it's made it easier.
22:44
Speaker 6: But we're also he's got a bit of a mind
22:48
Speaker 6: frame of like, we've got the money. Now. I've never had,
22:51
Speaker 6: you know, a seventy five inch TV, so let's buy one.
22:54
Speaker 6: So we bought one. I've never had to wear a barbecue,
22:57
Speaker 6: so let's buy one. So we bought one. And so
22:59
Speaker 6: like it's it's like that is that we're kind of like,
23:02
Speaker 6: you know, where we both sort of get in the
23:05
Speaker 6: mind frame of like, well, you know what if one
23:08
Speaker 6: day and you know, we should not be spending this
23:12
Speaker 6: much and doing that, But every now and then we're
23:14
Speaker 6: just like why, Like, we know that we're okay. We
23:17
Speaker 6: know that our you know, future for at least for
23:20
Speaker 6: the next year is pretty stable and pretty secure.
23:23
Speaker 1: Like we're both essential workers.
23:24
Speaker 6: So even if COVID you know, hits the roof again
23:27
Speaker 6: like more than what it is at.
23:28
Speaker 1: The moment, we know that we're safe.
23:31
Speaker 6: So yeah, if we've been able to kind of well,
23:35
Speaker 6: he's been able to kind of be like, oh, but
23:37
Speaker 6: we can you know, wouldn't it be nice to have
23:38
Speaker 6: that kind of luxury that we've never had before. So
23:41
Speaker 6: but in saying that, we both drive like twenty year
23:43
Speaker 6: old cars and you know, so like it's just small
23:47
Speaker 6: stuff like that that we've never had before. He's been
23:50
Speaker 6: able to be like, it's okay to spend it, like
23:52
Speaker 6: let's just let's buy it, and I'm like, yeah, okay.
23:55
Speaker 3: So yeah, but it's really empowering that you've both gone through,
24:00
Speaker 3: you know, a pretty crazy life to get to where
24:03
Speaker 3: you're at now, and you can look at each other
24:04
Speaker 3: and go, you know what, we've.
24:06
Speaker 5: Never had that barbecue before. We've never had that, Telly, like.
24:09
Speaker 3: Let's just do it because we love each other and
24:11
Speaker 3: we're money and we're safe, and there's just nothing better
24:14
Speaker 3: than feeling really safe with the person that you that
24:17
Speaker 3: you love both you know, literally safe, but also financially safe,
24:21
Speaker 3: and like you said, having that weight off your shoulders
24:24
Speaker 3: are feeling anxious about, oh my gosh, if that bill's
24:27
Speaker 3: more expensive than we think it might be, we actually
24:29
Speaker 3: can't swing it this month. And I think that most
24:32
Speaker 3: people listening, everybody listening can relate to that that has
24:36
Speaker 3: gone through a period in their life where they've gone,
24:38
Speaker 3: we don't know what will happen if that bills more
24:40
Speaker 3: than we're expecting.
24:41
Speaker 6: Yeah, and like, I'm more so take management of the
24:44
Speaker 6: finances in terms of paying bills and everything. He's very
24:46
Speaker 6: much just like I don't even want to hear about it.
24:48
Speaker 6: I've got too much to think about, Like, just tell
24:50
Speaker 6: me what you need and I'll just do it.
24:51
Speaker 4: Cool, but to this podcast, so yeah, and.
24:54
Speaker 1: I'm like you so listen to it.
24:55
Speaker 6: He goes, I don't want to, like you're in control
24:57
Speaker 6: of it, like I trust you to deal with it.
24:59
Speaker 6: I was like, oh, okay, but it's been really cool
25:02
Speaker 6: to to sort of see the progress of because when
25:05
Speaker 6: we first met, neither of us had any money, like
25:07
Speaker 6: we were dirt broke. And so for my birthday one year,
25:11
Speaker 6: the first year, he'd bought me a bamboo Douner from
25:17
Speaker 6: Kmart and then you're just gone. He bought me and
25:20
Speaker 6: a Dare's one that was duck down yeah Glowa. Yeah
25:25
Speaker 6: even in like that's sort of twelve month different. Yeah,
25:28
Speaker 6: I'm just like I'm really living it up now, Like
25:30
Speaker 6: we've got you know, duck down feather alternative not actual ducks.
25:36
Speaker 6: I have to say that now you know pillows and
25:39
Speaker 6: Doner covers like Douna inserts and everything.
25:40
Speaker 1: So we're yeah, definitely.
25:43
Speaker 4: Special though, And I love that you guys have gotten
25:46
Speaker 4: to go on that journey as well together and not
25:50
Speaker 4: done this on your own, and like what you've feel
25:52
Speaker 4: you've built together and now you're building a little family
25:55
Speaker 4: as well. So exciting. I'm a massive pet person. So
26:00
Speaker 4: you said before you have a great Dane. What are
26:02
Speaker 4: your other pets?
26:04
Speaker 6: So I've got a great Dane. He's almost twelve months old.
26:08
Speaker 6: We've got a labrador. Yeah, he's trouble, he's just he's
26:15
Speaker 6: ended up chewing. I left the house for like five
26:16
Speaker 6: minutes to go drop off a dish to my neighbor,
26:18
Speaker 6: and he chewed the door frame. Yeah, so we're dealing
26:22
Speaker 6: with that at the moment. But yeah, but he's very cute.
26:26
Speaker 6: He's very cute and very cuddly. That makes for it, exactly,
26:29
Speaker 6: for it exactly. I've got a six year old Labrador,
26:34
Speaker 6: so I've had him for almost five years. I got
26:38
Speaker 6: him when he was about eighteen months old. And then
26:40
Speaker 6: I also have a cat as well who's a couple
26:42
Speaker 6: of years.
26:42
Speaker 1: Old that I've had since. So he actually he was
26:44
Speaker 1: my first one.
26:45
Speaker 6: So they lived together very peacefully, and you know, it's yeah,
26:49
Speaker 6: it's quite nice.
26:50
Speaker 4: And how do you budget for pets because pets are
26:53
Speaker 4: actually really expensive. As someone who also has three pets,
26:57
Speaker 4: I have two cats and one dog. They're vets, their
27:00
Speaker 4: food bills, all of that really adds up. How do
27:03
Speaker 4: you swindle that into your budget?
27:06
Speaker 6: Sure, So when we started, like I said, I didn't
27:08
Speaker 6: have very much money when my partner and I first met,
27:11
Speaker 6: so he was really good. When we first are living together,
27:16
Speaker 6: we also had a housemate and then another housemate as
27:19
Speaker 6: well who didn't pay bills. It was just me and
27:23
Speaker 6: the original housemate that would pay the rent and bills,
27:25
Speaker 6: and it kind of balanced out because she wanted that
27:28
Speaker 6: person there and I wanted this person there.
27:31
Speaker 1: So in order to.
27:33
Speaker 6: Feel like he was contributing like he would be when
27:35
Speaker 6: my dog got sick, he would go halves and the
27:37
Speaker 6: vet bill and stuff like that, which I never yeah,
27:39
Speaker 6: I never asked for, and he was just really good
27:41
Speaker 6: with that. And now that we have it all together,
27:47
Speaker 6: we have a savings account, so we have our own
27:50
Speaker 6: separate savings account and spendings account, and then we have
27:52
Speaker 6: a joint expenses for our rent and bills and food
27:56
Speaker 6: and our baby and.
27:57
Speaker 1: Our big savings.
28:00
Speaker 3: Guess.
28:01
Speaker 6: So when we put our big savings accounts together, that
28:03
Speaker 6: was originally for the house and it still is, but
28:06
Speaker 6: we're a little bit more lenient with it now, so
28:08
Speaker 6: in order to keep us both comfortable, because we're obviously
28:12
Speaker 6: saving as much as we can now so that we
28:14
Speaker 6: can continue to spend when I'm not working and my
28:18
Speaker 6: partner is needing to pretty much put his entire wage into.
28:22
Speaker 1: Keeping us alive.
28:24
Speaker 6: Yeah fair so, yeah, so we've been more lenient with
28:27
Speaker 6: it now. And so when you know, our dogs have
28:29
Speaker 6: to go to the vet, or they need worming tablets,
28:32
Speaker 6: or they need like our great Jane's getting desex in
28:35
Speaker 6: the next six months. So that's all going to come
28:37
Speaker 6: out of that big savings account. So we contributed to
28:41
Speaker 6: that as much as we can, and like I said,
28:43
Speaker 6: that is our house deposit account, but we are.
28:45
Speaker 1: Able to kind of use that emergency. Yeah, it's exactly cool.
28:49
Speaker 4: I like that. And I knew if I asked someone
28:52
Speaker 4: who had such a comprehensive baby budget after twelve weeks
28:56
Speaker 4: that they probably would have really thought about their pets.
28:58
Speaker 4: But it's one of those things where you just don't
29:00
Speaker 4: realize how expensive they are until you have them.
29:03
Speaker 6: Yeah, And like our great day and he eats eight
29:06
Speaker 6: hundred grams of food a day, so we get a
29:09
Speaker 6: twenty bag. Yeah, we get a twenty kilo bag of
29:11
Speaker 6: dog food and he's through that before.
29:14
Speaker 1: The end of the month.
29:15
Speaker 6: And we were spending a lot of money on it.
29:18
Speaker 6: And then I ended up finding this big like bog
29:20
Speaker 6: warehouse in New South Wales, so we get twenty kilos
29:23
Speaker 6: for like one hundred dollars delivered.
29:25
Speaker 4: Oh that's so good.
29:26
Speaker 6: Yeah, So it's I mean, it's it's not a huge impact.
29:30
Speaker 6: But when you know you've got to buy both the
29:31
Speaker 6: dogs and they're both one hundred dollars each bag, and
29:33
Speaker 6: then it's also worming in free time, it's just like, really, yeah.
29:38
Speaker 4: It totally adds up. And I find it's really interesting
29:41
Speaker 4: because I'm such a pet person, and now with three,
29:44
Speaker 4: I obviously see how much that impacts our budget. But
29:47
Speaker 4: when I got Bailey, who is my oldest cat, he
29:50
Speaker 4: has just turned ten. I've had him for the last
29:53
Speaker 4: nine years and he saw me through university and every
29:56
Speaker 4: relationship I've ever had. Poor cat, But I remember when
30:00
Speaker 4: I got him, I was dirt broke in UNI, and
30:04
Speaker 4: like I knew that I needed a cat mentally to
30:06
Speaker 4: get through what I was going through, and like it
30:10
Speaker 4: was just one of those periods of time where I
30:13
Speaker 4: literally remember having about three hundred dollars in my account
30:16
Speaker 4: and Bailey was a rescue and he cost me two
30:19
Speaker 4: hundred and fifty dollars and I remember driving him home
30:22
Speaker 4: and I was so happy, and I was a bit
30:25
Speaker 4: freaked out because I had less than one hundred dollars
30:27
Speaker 4: in my account and I was like, oh my gosh,
30:28
Speaker 4: like this is so stressful, but I knew ultimately I'd
30:31
Speaker 4: done the right thing, and you know, I couldn't afford
30:33
Speaker 4: the expensive cat food for him. And I remember when
30:36
Speaker 4: I was you know, I would have been your age.
30:38
Speaker 4: I would have been like twenty twenty one, and I
30:39
Speaker 4: got this cat, and I was like, all right, well,
30:41
Speaker 4: you're gonna eat supermarket food, but I promised one day
30:44
Speaker 4: I'll get you some bougie stuff. And now he eats
30:47
Speaker 4: like a little king. But it's it's a funny part
30:50
Speaker 4: of my money story because I look back and I go,
30:53
Speaker 4: I knew what I needed, I knew what I could afford,
30:55
Speaker 4: and I did that and I made it fit my budget.
30:57
Speaker 4: And I just don't think that there's any shame in
30:59
Speaker 4: what that that looks like. And I'm very lucky now
31:02
Speaker 4: that he's a fancy boy and eats his Royal Cannon
31:05
Speaker 4: cat food. But like he used to eat homebrand cat food,
31:08
Speaker 4: he was fine and we were really happy together. I
31:11
Speaker 4: was like, but I think it's such a journey to
31:14
Speaker 4: go through that knowing you know, pets are expensive, but
31:17
Speaker 4: when they are a key value of yours, you just
31:20
Speaker 4: make it happen.
31:21
Speaker 6: Yeah, exactly, And I mean, like my dog and my cat,
31:25
Speaker 6: my cat less so because he caused a lot of
31:27
Speaker 6: troubles in the beginning, but like when I got my dog,
31:30
Speaker 6: like my labrador again, he saw me through a lot
31:33
Speaker 6: of stuff to the point where I was like, I
31:35
Speaker 6: loved them so much more than I loved myself. I
31:39
Speaker 6: didn't trust anybody to look after them, and so I
31:41
Speaker 6: was like, you know, I can't let anything happen to me.
31:42
Speaker 1: I can't do anything to myself.
31:44
Speaker 6: I can't, you know, put myself at risk because I
31:46
Speaker 6: don't trust anybody to look after them.
31:48
Speaker 1: So I have to stay here.
31:49
Speaker 6: I have to wake up every morning, I have to
31:51
Speaker 6: feed them, like and that was the only thing that
31:53
Speaker 6: got me through for so long, because I was just like,
31:55
Speaker 6: that's they are the most important thing in my world
31:59
Speaker 6: and I don't want anything to ever happen to them.
32:01
Speaker 6: So I'm the only one that I That's.
32:03
Speaker 4: How I feel about mine, yeah as well, like they
32:06
Speaker 4: are literally family. And that's when I get so confused.
32:10
Speaker 4: And obviously everybody's budget is different and we all have
32:13
Speaker 4: different values and we all have different priorities. But when
32:16
Speaker 4: people say, oh, yeah, I don't have a pet, they
32:19
Speaker 4: just don't fit in my budget. Okay, I don't understand
32:23
Speaker 4: that mentality. But all right, we.
32:25
Speaker 6: Might have like twenty packets of Meagering home brand noodles
32:28
Speaker 6: in our cupboard, but our dog eats well.
32:29
Speaker 4: Like yeah, literally me money direst One of the things
32:37
Speaker 4: that I have loved about your money story is your mindset.
32:40
Speaker 4: And even in what as I said before, some of
32:43
Speaker 4: the darkest times to other people were actually your favorite memories.
32:47
Speaker 4: How have you created this mindset? Like where is that
32:49
Speaker 4: come from? And how do we, as she's on the
32:52
Speaker 4: money family, learn from that? So we can take a
32:54
Speaker 4: leaf out of your book and maybe be a bit
32:56
Speaker 4: more positive about our situations.
32:59
Speaker 6: Sure, it's it's difficult because, like I said, my parents separated.
33:04
Speaker 6: The reason why they separated was like there, you know,
33:09
Speaker 6: growing apart whatnot. My dad wanted to move overseas with
33:12
Speaker 6: his charity. I was actually supposed to move overseas with
33:15
Speaker 6: him and he I think it was about a week
33:19
Speaker 6: or two weeks before I was supposed to move over
33:21
Speaker 6: to the same country as him, in a in an
33:24
Speaker 6: Asian country as well, it actually came out that he'd
33:28
Speaker 6: had an affair and I had a brother. Wow, Yeah,
33:33
Speaker 6: and so that was that split things up. So that
33:36
Speaker 6: was quite traumatic having put all of like I'd signed
33:39
Speaker 6: out a school and everything, like I'd put all my
33:41
Speaker 6: trust into him as a father to look after me,
33:45
Speaker 6: and to then drop that bomb that was difficult to
33:48
Speaker 6: them be like, Okay, well I don't actually have that
33:50
Speaker 6: person in my life anymore. And obviously it it severed
33:54
Speaker 6: a really important figure in my life. So happy to
33:59
Speaker 6: say now though, that we have a great relationship. Like
34:01
Speaker 6: I went overseas to visit my brother to meet him
34:04
Speaker 6: for the first time. Obviously before COVID, it was kind
34:07
Speaker 6: of I would go there once a year, they would
34:09
Speaker 6: come here.
34:09
Speaker 4: Wow.
34:10
Speaker 6: Yeah, And so like that was really important to me.
34:13
Speaker 6: It took it took seven or eight years for us
34:17
Speaker 6: to be able to actually get to that point.
34:19
Speaker 4: Understandably, that is a very very large shock.
34:22
Speaker 6: Yeah, But I was also really lucky that my dad
34:26
Speaker 6: and I had this one significant mutual friend who was
34:29
Speaker 6: kind of the mediator between us that helped him understand
34:32
Speaker 6: how I felt and helped me understand how he felt.
34:36
Speaker 6: So that was that was a key point that I
34:39
Speaker 6: was really lucky to have, is that there was somebody
34:42
Speaker 6: that was non biased and mutual in the middle that
34:45
Speaker 6: was really looking.
34:46
Speaker 1: After growth of us.
34:48
Speaker 6: Yeah, and so that was I think, like honestly, that
34:52
Speaker 6: has been the most significant thing that had happened that
34:56
Speaker 6: allowed me to kind of have a different view because
34:58
Speaker 6: I had to come to terms of Okay, well, even
35:02
Speaker 6: though like my parents were together for so long and
35:05
Speaker 6: you know, he made a poor decision and he had
35:07
Speaker 6: a family. At the end of the day, it's his life.
35:10
Speaker 6: It's not him and his wife and his child's life. Like,
35:13
Speaker 6: he has to make the right decision for himself, and
35:17
Speaker 6: if that was the right decision for him at that time,
35:19
Speaker 6: then I had to accept that, regardless of you know,
35:22
Speaker 6: unfortunately it did hurt us, but like it I had
35:26
Speaker 6: to accept that because if I wanted to make a
35:28
Speaker 6: decision that he didn't agree with, I would still make
35:30
Speaker 6: that decision. So it was just hard because I was
35:33
Speaker 6: so young. But being able to sort of take that
35:35
Speaker 6: time and not be forced, you know, my parents not
35:38
Speaker 6: staying together and trying to work it out, like not
35:40
Speaker 6: be forced to kind of be in that fighting and
35:42
Speaker 6: stuff like that, that really helped me to be able
35:46
Speaker 6: to develop I guess, healthy rebonding skills. So I think
35:55
Speaker 6: that was probably the biggest thing, was being able to
35:58
Speaker 6: have that significant person that long time to create that bond,
36:02
Speaker 6: and you know, I kind of look at it as
36:04
Speaker 6: if to say, if I can forgive him and move
36:06
Speaker 6: on and you know, we don't argue, like we have
36:08
Speaker 6: a fantastic relationship. I kind of can implement that into
36:12
Speaker 6: other aspects of life too and decide from Wow.
36:15
Speaker 1: Yeah, aside from.
36:16
Speaker 6: Sort of studying mental health and psychology and stuff like,
36:18
Speaker 6: I find myself when I need to have a discussion
36:21
Speaker 6: or we're having a disagreement with you know, me and
36:23
Speaker 6: my partner, or like me and my mum or whatever,
36:25
Speaker 6: I can sit down and actually like not retaliate, Like
36:29
Speaker 6: for example, when I was moving, when I was in
36:31
Speaker 6: the caravan and I had to actually leave that property
36:34
Speaker 6: the person that I was having this quite intense argument with,
36:38
Speaker 6: instead of me retaliating to the things that was said,
36:41
Speaker 6: I was just like, I understand how you're feeling. I
36:42
Speaker 6: understand that I've made you feel that way. Like it
36:45
Speaker 6: was just, you know, there was no point in me
36:47
Speaker 6: fighting fire with fire. I knew that it was gonna
36:50
Speaker 6: end eventually, and you know, I wish I could have
36:53
Speaker 6: said things, but it was just there was no point.
36:55
Speaker 6: And so I think, yeah, definitely, like not retaliating to
36:59
Speaker 6: think that don't need to be retaled because you can't
37:02
Speaker 6: argue with someone that's said in their way.
37:03
Speaker 1: So yeah, I hope that kind of answered your question.
37:07
Speaker 4: I think that's really insightful. And as I said before,
37:10
Speaker 4: my friend, you are wise beyond your years, and we
37:14
Speaker 4: are so lucky to have been allowed to share your
37:17
Speaker 4: money story and your journey, even if it included a
37:20
Speaker 4: secret brother that you didn't know about, and you just
37:22
Speaker 4: threw that honest at the last minute of your money diary.
37:25
Speaker 4: So thank you for that. I think that's really interesting
37:28
Speaker 4: if I'm being honest, like, that's such a pivotal piece
37:32
Speaker 4: being really pervy though. How old was this brother when
37:34
Speaker 4: you found out about them?
37:38
Speaker 6: Just under two I think, or just over too, so
37:42
Speaker 6: it had been about three years.
37:45
Speaker 5: That they'd been seeing each other.
37:46
Speaker 6: Wow. Yeah, well, probably longer in seeing each other because they,
37:53
Speaker 6: like my dad, had been going overseas for about ten years. Actually,
37:56
Speaker 6: it would have been about six years at that time,
37:59
Speaker 6: and so they you know, they knew each other quite well.
38:04
Speaker 6: I've never really wanted to know the reasons behind it
38:08
Speaker 6: or anything like that. Yeah, So because I just feel
38:11
Speaker 6: like it's just it's just not hopeful. Yeah, exactly. So yeah,
38:16
Speaker 6: it was just yeah, almost just over two almost three,
38:21
Speaker 6: I think when we found out so it had been
38:23
Speaker 6: it had been on quite some time and my parents
38:25
Speaker 6: were still That means that my parents were still together
38:28
Speaker 6: when it happened.
38:31
Speaker 4: They went, oh wow, so that obviously contributed towards your parents'
38:35
Speaker 4: divorce and all of that coming out. Wow, what a
38:39
Speaker 4: story and to have gone through all of that. Thank
38:42
Speaker 4: you so much for sharing that with us. That is yeah,
38:45
Speaker 4: so open and so special, and I'm so grateful that
38:48
Speaker 4: each and every single week we get to talk to
38:50
Speaker 4: people like you, and that you're so trusting of us
38:53
Speaker 4: sharing that story on your behalf because you know those
38:56
Speaker 4: words are special in that journey is something that I
38:59
Speaker 4: think a lot of it can learn from. I hope
39:01
Speaker 4: that I can take a little bit more of your
39:03
Speaker 4: mind set on and your old worldliness, which you know
39:06
Speaker 4: I really admire. So as always, that is all we
39:10
Speaker 4: have time for today, and just before we head off,
39:12
Speaker 4: we'd like to acknowledge and pay respect to Australia's Aboriginal
39:16
Speaker 4: and torrest Rad Islander peoples. They're the traditional custodians of
39:20
Speaker 4: the lands, the waterways and the skies, all across Australia.
39:24
Speaker 4: We thank you for sharing and for caring for the
39:26
Speaker 4: land on which we are able to learn. We pay
39:29
Speaker 4: our respects to elders past and present, and we share
39:32
Speaker 4: our friendship and our kindness.
39:35
Speaker 3: The advice shared on She's on the Money is generally
39:37
Speaker 3: nature and does not consider your individual circumstances.
39:41
Speaker 5: She's on the Money.
39:42
Speaker 3: Exists purely for educational purposes and should not be relied
39:45
Speaker 3: upon to make an investment or financial decision. And we
39:48
Speaker 3: promise that Victoria Devine is an authorized representative of Australia
39:52
Speaker 3: Pacific Funds Management for prior to limited ABN three four
39:55
Speaker 3: one three two four six three two five seven AFSL
39:58
Speaker 3: three three nine one.
40:00
Speaker 5: I've won See you.
40:01
Speaker 4: Next money Diary guys, spree
40:10
Speaker 2: Mm hmm