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The Truth About HECs Debt: Is It Time to Stop Stressing About It? · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Sanatasha Nabananga Bamblet. I'm a proud or
• 0:04
  Speaker 1: the Order Kerni Whoaltbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money. She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 4: that makes personal finance fun, especially on Fridays. It is
• 1:04
  Speaker 4: our favorite day of the week because we get our
• 1:06
  Speaker 4: little team together to celebrate you the incredible She's on
• 1:09
  Speaker 4: the Money community, Misters Greed. She is going to be
• 1:12
  Speaker 4: sharing her favorite money wins and confessions from the community.
• 1:15
  Speaker 4: Miss beck Sayed is going to be sharing her broke tips.
• 1:18
  Speaker 4: We're going to be helping to answer a juicy money dilemma,
• 1:20
  Speaker 4: which this week is all about how to work out
• 1:22
  Speaker 4: if you'll have your hex step Forever and something that
• 1:25
  Speaker 4: you slid into our DMS about whether you should pay
• 1:28
  Speaker 4: for an accident that happened while you were helping a
• 1:30
  Speaker 4: friend out with something they maybe should have been paying
• 1:33
  Speaker 4: a professional form.
• 1:33
  Speaker 2: But before we get there, have a new year and
• 1:36
  Speaker 2: you year new. Meet guys, how are we feeling?
• 1:41
  Speaker 4: Yeah, it's twenty twenty Thrive, which is kind of funny
• 1:44
  Speaker 4: because it's only good in audio, so we're going to
• 1:46
  Speaker 4: be using it on.
• 1:47
  Speaker 2: The podcast a lot.
• 1:48
  Speaker 4: But if you write it down it looks like two
• 1:50
  Speaker 4: o two thrive and then people are quite confused.
• 1:53
  Speaker 2: Yes, oh yes, taking so much? Yeah, too hard? Too hard?
• 1:57
  Speaker 4: Anyway, how are we?
• 1:58
  Speaker 5: Yeah?
• 1:59
  Speaker 2: Really good.
• 1:59
  Speaker 6: I feel it's like there's something about starting afresh that
• 2:04
  Speaker 6: is like it doesn't mean anything, like it's the same.
• 2:07
  Speaker 6: It's just like, you know, it's the same week, Like
• 2:08
  Speaker 6: it's like Tuesday's.
• 2:10
  Speaker 2: New, it's new, it's fresh.
• 2:12
  Speaker 4: It feels like there's a futual line in the sand.
• 2:14
  Speaker 4: And that's the most annoying thing in the world, right,
• 2:16
  Speaker 4: Like you could start new anytime, and we always say
• 2:20
  Speaker 4: like there's no time like the present.
• 2:22
  Speaker 2: Well that's why just do it when you're ready.
• 2:24
  Speaker 4: If you're like Oh my gosh, I really want to
• 2:25
  Speaker 4: get my money life together or I really want to change, like.
• 2:28
  Speaker 2: Just do it, just get it done. But like, oh,
• 2:31
  Speaker 2: the motivation levels right.
• 2:32
  Speaker 6: Now much higher, Like imagine starting something at four point
• 2:36
  Speaker 6: thirty on a Tuesday.
• 2:38
  Speaker 4: Weird, weird, get it and we should we should, like
• 2:41
  Speaker 4: do you know what? I also see it as the
• 2:45
  Speaker 4: me that I want to become. She doesn't wait totally
• 2:48
  Speaker 4: the me that I want to become. She doesn't wait
• 2:50
  Speaker 4: for things the meat that I currently am.
• 2:52
  Speaker 2: She does. So I need the new year and she
• 2:55
  Speaker 2: is welcome here exactly the new year energy.
• 2:58
  Speaker 7: I love it.
• 2:59
  Speaker 2: Hone board, Jessica.
• 3:00
  Speaker 8: Done my vision board, I've reviewed. I write my goals
• 3:03
  Speaker 8: in my phone, like my resolutions, goals, whatever you want
• 3:06
  Speaker 8: to call them for. They my phone every year. So
• 3:07
  Speaker 8: I've reviewed last year's, made this year's. I sprin, cleaned
• 3:10
  Speaker 8: my hout like we're feeling for good.
• 3:13
  Speaker 2: Question is the Christmas tree down? Of course it is?
• 3:17
  Speaker 4: Oh my god, that is so depressing, Jessica. I have
• 3:20
  Speaker 4: to leave mine down until I have an argument with
• 3:22
  Speaker 4: my husband about it being up in February.
• 3:25
  Speaker 2: So what are you excited about right now for the
• 3:28
  Speaker 2: new year? Yeah, she's on the money.
• 3:31
  Speaker 8: Really obviously, I'm excited to just what am I?
• 3:36
  Speaker 2: Horrish?
• 3:39
  Speaker 8: The next holiday is a Valentine's Day, So right now
• 3:43
  Speaker 8: Valentine's Day, baking, Valentine's decorator. You know we're right on
• 3:47
  Speaker 8: a cycle.
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  Speaker 2: Do you know what?
• 3:48
  Speaker 4: Now is the time to book in your Valentine's dinner? Like, Beck,
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  Speaker 4: you're a romantic. It is so hard to get at
• 3:53
  Speaker 4: Valentine's Day dinner booking, so like now it's the time
• 3:56
  Speaker 4: to shine.
• 3:58
  Speaker 2: Ate No way, someone else is cooking on Valentine's Day?
• 4:02
  Speaker 2: Are you not cooking for somebody on Valentine's Day cooking?
• 4:05
  Speaker 2: I'm not getting booking anywhere, you know. Okay, okay, Park,
• 4:09
  Speaker 2: it's sun, it's grass, it's sweet romance.
• 4:13
  Speaker 4: Oh no, I need a fancy dinner, Like I want
• 4:17
  Speaker 4: to be wined and I want to be dying. And
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  Speaker 4: I don't ask for that any other time of the year.
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  Speaker 2: I don't.
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  Speaker 4: I just don't simply don't care. But I want to
• 4:24
  Speaker 4: go out for Valentine's Day. I want to be trained
• 4:27
  Speaker 4: like a pretty princess. Like that's really lame, but yep,
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  Speaker 4: like all of my feminist goals go out the window.
• 4:36
  Speaker 4: I need flowers.
• 4:37
  Speaker 2: I need to go out for dinner.
• 4:39
  Speaker 4: I need to be told that I'm the prettiest princess
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  Speaker 4: that ever walked this planet.
• 4:42
  Speaker 2: On Valentine's Day, I think that's valet. I don't even
• 4:45
  Speaker 2: care if it's tacky. I am a commercial.
• 4:48
  Speaker 4: Dream rejoicing Victoria Devines and as well. But let's get
• 4:55
  Speaker 4: into it because New Year knew me. But we are
• 4:57
  Speaker 4: still harping on about our five star review because they
• 5:00
  Speaker 4: are so fun. This week, I have one for you,
• 5:03
  Speaker 4: and I feel like it sets the tone. Well, are
• 5:06
  Speaker 4: you ready? It's from Natalie Haya. This is the mood
• 5:09
  Speaker 4: we're taking into twenty twenty five or twenty twenty three.
• 5:12
  Speaker 2: You ready?
• 5:13
  Speaker 4: You girls are guaranteed to light up my day no
• 5:16
  Speaker 4: matter my mood, particularly if I've been feeling down. Your
• 5:20
  Speaker 4: cheery voices always make me feel better. Not only do
• 5:23
  Speaker 4: you come up with the facts and the helpful tips
• 5:25
  Speaker 4: and tricks, you come with a whole lot of empathy
• 5:27
  Speaker 4: and genuine support as well, and that really shines through.
• 5:31
  Speaker 4: This is so nice, But Victoria, you are a literal
• 5:34
  Speaker 4: ray of sunshine in human form and such a great
• 5:37
  Speaker 4: role model for women. Not to mention, of course, your
• 5:40
  Speaker 4: fabulous co hostesses Beck and Jess. Together, you guys make
• 5:45
  Speaker 4: an amazing.
• 5:45
  Speaker 2: Team, perfectly curated to make us.
• 5:47
  Speaker 4: Feel uplifted, seen, heard, and educated.
• 5:51
  Speaker 2: Love you all and so grateful for what you done
• 5:54
  Speaker 2: to Love you too, too, heart emojis.
• 5:57
  Speaker 5: They're so sweet, Natalie ever Yeah yeah, May, oh my god,
• 6:04
  Speaker 5: totally and like, honestly feeling seen and heard two of
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  Speaker 5: I feel like the most important things.
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  Speaker 4: And I feel like our community does that for us
• 6:12
  Speaker 4: as well. Really yeah, the second I read that, I
• 6:15
  Speaker 4: was like.
• 6:16
  Speaker 2: Oh, that's how I feel about our community.
• 6:19
  Speaker 4: I feel like I go there and anything that we're
• 6:21
  Speaker 4: struggling with or like wanting to chat about, everyone's like, yeah, girl,
• 6:24
  Speaker 4: what is it?
• 6:25
  Speaker 2: I really like that. It's so nice.
• 6:27
  Speaker 4: Like it's like when you call a friend and you're like,
• 6:29
  Speaker 4: what should I wear? I don't know and they're like,
• 6:31
  Speaker 4: I don't care, come as you and you're like, n exactly.
• 6:36
  Speaker 4: But I love this and I feel like we're going
• 6:38
  Speaker 4: to carry this energy past January.
• 6:41
  Speaker 2: Absolutely. I think we have been equipped with all the
• 6:44
  Speaker 2: tools we have been and we will continue to equip
• 6:47
  Speaker 2: you with even more tools this year.
• 6:49
  Speaker 4: You just wait this so much in store. I didn't
• 6:51
  Speaker 4: call it twenty twenty Thrive for Nothing but Miss Jess
• 6:54
  Speaker 4: Briacy Community, money wins and confessions. What do you bring
• 6:58
  Speaker 4: into the table this fancy new year already? Firstly, I've
• 7:01
  Speaker 4: got a lot of on theme with you know, refreshing, reviewing,
• 7:05
  Speaker 4: on brand correct, all the things we should be doing
• 7:07
  Speaker 4: at the moment. So firstly from Kendall, she said she
• 7:09
  Speaker 4: realized that the RSPCA was advertising a reduced rate on
• 7:12
  Speaker 4: pet insurance that was lower than what she's currently being charged.
• 7:15
  Speaker 4: She called up to query it and she's been given
• 7:17
  Speaker 4: the reduced rate and three months for free.
• 7:20
  Speaker 2: I love it. How good is that? Great?
• 7:23
  Speaker 8: Next, I've got money win from Audrey who's flying with
• 7:25
  Speaker 8: Virgin to Brisbane next year. It's a round trip and
• 7:28
  Speaker 8: she's used points from her flybys and credit card to
• 7:32
  Speaker 8: adults and a ten year old flying totally for free.
• 7:34
  Speaker 2: WHOA how good is that? Yeh?
• 7:37
  Speaker 8: Next, I've got a money win from April, she said,
• 7:39
  Speaker 8: money win. She managed to score a free school uniform.
• 7:43
  Speaker 8: She sold her previous uniform second hand, it was in
• 7:47
  Speaker 8: really good condition, and then she managed to find an
• 7:49
  Speaker 8: equally awesome condition uniform at the school shop. Crazy expensive.
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  Speaker 8: I understand why parents are like, buy this blazer that's
• 7:59
  Speaker 8: ten sizes too big.
• 8:00
  Speaker 4: That okay, So confession New Year confession. Apologies to my mum.
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  Speaker 4: This happened in grade seven, actually it would have been
• 8:10
  Speaker 4: grade six when I was picking my grade seven blazer.
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  Speaker 4: The tantrum I had in the uniform shop because I
• 8:15
  Speaker 4: didn't want the blazer you wanted me to have and
• 8:18
  Speaker 4: I wanted the well fitted one.
• 8:19
  Speaker 2: I'm really sorry. Yeah, we get it loas and just
• 8:22
  Speaker 2: get like the same colored.
• 8:24
  Speaker 8: No logan. Ours had to be had to be logoed whatever.
• 8:28
  Speaker 8: They were very particular at our school, Like I see.
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  Speaker 2: Very privileged.
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  Speaker 4: I went to a Catholic school, so like the blazer
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  Speaker 4: was like the thing beck if we were seen outside
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  Speaker 4: of our school, so like after school with down the
• 8:43
  Speaker 4: shops not wearing our blazer, immediate detention.
• 8:46
  Speaker 2: It's so crazy, really immediate rule.
• 8:50
  Speaker 4: But if you were seen outside of school and you
• 8:52
  Speaker 4: were wearing your school dress without a blazer, done, you
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  Speaker 4: were done.
• 8:56
  Speaker 2: Seems so portrayed to get written.
• 8:58
  Speaker 4: Up and people would like dip adop as well, that's me,
• 9:01
  Speaker 4: Like you yet called to the office and then be like, oh,
• 9:04
  Speaker 4: mister so and so from such and such as class
• 9:06
  Speaker 4: saw you at the coals and you were wearing your
• 9:09
  Speaker 4: blazer well when you were just going a jumper.
• 9:12
  Speaker 2: Oh well, how yes, you know, not by us, but
• 9:17
  Speaker 2: someone will give and it won't be Jess, but she'll
• 9:21
  Speaker 2: threaten it you really angrily.
• 9:23
  Speaker 8: No, our legacy was we had a winter in a
• 9:25
  Speaker 8: summer uniform, and so the girls winter and summer uniforms
• 9:29
  Speaker 8: were both skirts. You couldn't wear pants or shorts. And
• 9:33
  Speaker 8: so our friend group legacy was we petitioned and girls
• 9:36
  Speaker 8: at the school can now wear pants.
• 9:38
  Speaker 2: Really, I love that.
• 9:39
  Speaker 4: I remember that it was the biggest drama in the
• 9:42
  Speaker 4: entire world when one of the girls was like, I'm
• 9:44
  Speaker 4: not comfortable in a skirt and wanted to wear the
• 9:47
  Speaker 4: pants that boys talent, so she just bought them and
• 9:49
  Speaker 4: started wearing them. Riot actually insane also the time, and
• 9:54
  Speaker 4: this is probably not what my ex school wants to
• 9:57
  Speaker 4: be perpetuated, the time that they suspended a from my
• 10:00
  Speaker 4: class because he came to school with a shaved head
• 10:04
  Speaker 4: and you weren't allowed a shaved head at our school
• 10:06
  Speaker 4: because like part of the uniform was like your hair
• 10:09
  Speaker 4: had to be a minimum of two centimeters long or
• 10:11
  Speaker 4: something for the boys. Right, wild, But he had a
• 10:13
  Speaker 4: shaved head because he'd raised money for cancer.
• 10:15
  Speaker 2: Oh really, yeah, I know that. Yeah, of course they like.
• 10:21
  Speaker 4: And even if they didn't know that, and they called
• 10:23
  Speaker 4: him to the office, like what is he going to
• 10:25
  Speaker 4: sit there and not say anything, he would have been like, dude,
• 10:27
  Speaker 4: I shaved my head on the weekend to raise money
• 10:30
  Speaker 4: for leukemia, Like be for real. And they still did
• 10:33
  Speaker 4: it and it made the news so good. That's not
• 10:38
  Speaker 4: to mention the time that one of the ex teachers
• 10:40
  Speaker 4: married one of the students.
• 10:42
  Speaker 2: Oh yeah, that was good. I will send you the
• 10:44
  Speaker 2: links this Oh God, this is Jesus.
• 10:47
  Speaker 8: School was catholicing thoughts and prayers to everyone going back
• 10:51
  Speaker 8: to school.
• 10:52
  Speaker 2: We need you to elaborate after Jesse, I'll let you know, Jessicat,
• 10:57
  Speaker 2: what else have you got next?
• 10:58
  Speaker 8: I've got money in from Samantha, who said money balanced.
• 11:01
  Speaker 8: She had a money lost she bought a costc membership,
• 11:03
  Speaker 8: which would argue.
• 11:04
  Speaker 4: That's not a money lost, that's an investment in your
• 11:07
  Speaker 4: like that's an activity.
• 11:08
  Speaker 2: She said, money counterbalance, Like, she only left with a
• 11:10
  Speaker 2: pizza and a hot chook. So I'm chok.
• 11:13
  Speaker 4: They you know the hot chooks, they're like four ninety
• 11:16
  Speaker 4: nine at Costco.
• 11:17
  Speaker 8: Oh really, that's a good deal. That's a good deal.
• 11:20
  Speaker 8: They lose what is it called they lose money?
• 11:22
  Speaker 2: Money?
• 11:23
  Speaker 4: Yeah?
• 11:24
  Speaker 2: Say they like lose money as soon as they leave
• 11:27
  Speaker 2: the you know.
• 11:28
  Speaker 4: Can't yeah, and I can't resell it.
• 11:34
  Speaker 2: Yeah, it's already three ninety nine. What the hell? Costco
• 11:38
  Speaker 2: pizza is so good?
• 11:39
  Speaker 8: If I had a membership, just go buy a cost
• 11:41
  Speaker 8: Co pizza for dinner because they're so big anyway.
• 11:43
  Speaker 2: Next, I've got a money win. I'm surprised Jessica doesn't
• 11:45
  Speaker 2: have a Costcome membership. I'm shocked by that too. I'm horrified.
• 11:48
  Speaker 2: Our friends have a Costcome membership, so we use them. Yes,
• 11:52
  Speaker 2: there was always good she's getting in the.
• 11:58
  Speaker 8: Next, I've got money win from Amy, who said she
• 12:00
  Speaker 8: didn't realize there was such a thing as Microsoft points,
• 12:02
  Speaker 8: which I also had never So apparently you can earn
• 12:06
  Speaker 8: points for doing things like using their native search engine,
• 12:09
  Speaker 8: which is being and then you can then cash them
• 12:11
  Speaker 8: in for gift cards. So apparently she's inadvertently earned herself
• 12:15
  Speaker 8: enough points to get fifty bucks off her next Airbnb.
• 12:18
  Speaker 2: Okay, so you just have to use bing. Apparently that's
• 12:22
  Speaker 2: one of the ways I sorry, I really diluted that.
• 12:26
  Speaker 4: I'm sure there's more, there's more to it, but like
• 12:28
  Speaker 4: you have to use bing?
• 12:29
  Speaker 2: Is it so funny?
• 12:30
  Speaker 5: I know.
• 12:31
  Speaker 2: That's the thing is that I remember my story one
• 12:33
  Speaker 2: time was like, sorry, Microsoft, she's a ten.
• 12:35
  Speaker 6: But bing is her. You know, Bing is the future.
• 12:41
  Speaker 6: So I'm so sorry to anybody.
• 12:43
  Speaker 2: It's called I did look it up.
• 12:44
  Speaker 8: It's called Microsoft for rewards, so you can earn rewards
• 12:46
  Speaker 8: by simply doing what you love to do.
• 12:48
  Speaker 4: So I'm just trying to wrap my head around fly By,
• 12:51
  Speaker 4: like I can't get Yes, that's incredible.
• 12:54
  Speaker 8: Though, if you want to stack on a new you know,
• 12:56
  Speaker 8: point system, or if you're already being user, I'm sure
• 12:58
  Speaker 8: there's people out there you can be earning.
• 13:00
  Speaker 2: There, go show yourselves.
• 13:03
  Speaker 8: And lastly, this week I've got money in from Meg
• 13:05
  Speaker 8: who said money in. She swopped from telt to Optors.
• 13:08
  Speaker 8: She's on the exact same plan with the exact same data,
• 13:10
  Speaker 8: but she's saving herself forty bucks a month.
• 13:12
  Speaker 4: Money new phone plan.
• 13:17
  Speaker 2: Yes, now is the time.
• 13:19
  Speaker 4: Now's the timeime plan, new insurances. We are cleaning financial house.
• 13:24
  Speaker 4: We're setting ourselves up for success. If you got an
• 13:27
  Speaker 4: email the same as me saying Apple took a subscription
• 13:31
  Speaker 4: amount and you don't know what it's for.
• 13:33
  Speaker 2: Now is the time? Yes, figure it work out? Why
• 13:37
  Speaker 2: figure it out?
• 13:38
  Speaker 5: You are doing?
• 13:39
  Speaker 2: Put your big girl pants on? All right? Well? Moving on, Beck, Yes,
• 13:45
  Speaker 2: new year, new broke tip. What have you got? Okay?
• 13:47
  Speaker 6: So I was thinking that when I first started broke
• 13:52
  Speaker 6: tips in my brain they were going to be unhinged.
• 13:55
  Speaker 2: So I'm thinking for week.
• 13:56
  Speaker 6: They happy, happy, they could be slightly more unhinged.
• 14:04
  Speaker 4: I'm thinking and tips that nobody's ever going to do
• 14:07
  Speaker 4: what exactly.
• 14:08
  Speaker 2: But you know what's crazy is that I've always I
• 14:10
  Speaker 2: had always done these things and didn't think that they
• 14:14
  Speaker 2: were weird or whatever.
• 14:15
  Speaker 4: You know what I mean anyway, So it's just like
• 14:17
  Speaker 4: when people eat like the skin of the kiwi fruit bizarre,
• 14:21
  Speaker 4: or like the tops of the strawberries, like the strawberries.
• 14:25
  Speaker 2: What are you a hamster? Sometimes I feel like one,
• 14:29
  Speaker 2: just on the hamster wheel tops the tops of carrots. No,
• 14:34
  Speaker 2: I couldn't if I tried. If you couldn't if you tried.
• 14:37
  Speaker 2: So that's quite corky. What's the word like? Woody? Is it?
• 14:41
  Speaker 2: It's fine? Yeah, that's true. Well I'll go I'll start.
• 14:44
  Speaker 6: I'll start right, fine, I don't black bit at the
• 14:46
  Speaker 6: end of the banana, if you guys do.
• 14:48
  Speaker 4: Okay, that's unhinged all that you have to pull that out. No, no,
• 14:52
  Speaker 4: the black bit at the end of the banana is
• 14:54
  Speaker 4: where I draw my line back chills.
• 14:56
  Speaker 2: All right, So tell me about your broke tips.
• 14:58
  Speaker 6: All that to say, I can't promise every single week
• 15:00
  Speaker 6: they'll be unhinged, but this week they're a little bit unhinged.
• 15:03
  Speaker 6: So this first one comes from MND. This one is
• 15:05
  Speaker 6: not unhinged, of course. I make a wish list on
• 15:08
  Speaker 6: Cartered and wait for things to go on sale. What
• 15:11
  Speaker 6: is carted and why haven't ever used it? I'm gonna
• 15:13
  Speaker 6: start now.
• 15:14
  Speaker 8: It's a plug in online, I believe so. They it's
• 15:18
  Speaker 8: one of those platforms where you can It's really handed
• 15:20
  Speaker 8: because you can link things you want. So it's great
• 15:22
  Speaker 8: if you have people who go, what do you want
• 15:24
  Speaker 8: for your birthday? You can keep like a running list.
• 15:26
  Speaker 8: Also very good for putting twenty four hours between you
• 15:28
  Speaker 8: and you're spending. Yes, But the really good thing is
• 15:31
  Speaker 8: it notifies you when things go on sale. So if
• 15:35
  Speaker 8: you go, oh, I really want to die some air
• 15:36
  Speaker 8: ap but I don't want to pay full price for it,
• 15:38
  Speaker 8: You put it in and then you get a notification
• 15:40
  Speaker 8: if it finds it discounted anywhere, which is pretty clearly.
• 15:43
  Speaker 2: Yeah, that's great. So it's like it doesn't have to
• 15:45
  Speaker 2: be on the website that you saved it.
• 15:46
  Speaker 6: It could be anywhere on the web. Yeah, that's really cool,
• 15:51
  Speaker 6: Thank you, Amanda. The next one comes from B, who
• 15:53
  Speaker 6: says if you sign up at Point of Fitness, you
• 15:55
  Speaker 6: can bring a friend for free anytime during staffing hours,
• 15:58
  Speaker 6: which I think is great and it doesn't seem like
• 16:00
  Speaker 6: from what I'm reading. B says that it's not like
• 16:04
  Speaker 6: it hasn't said this. Sorry if I've inferred this. It's
• 16:07
  Speaker 6: not like a.
• 16:08
  Speaker 2: Kind of like a promotion or anything like that. It's
• 16:10
  Speaker 2: just like an an ongoing you can.
• 16:12
  Speaker 6: You could literally share a membership. There a limit to
• 16:16
  Speaker 6: how many friends you limit?
• 16:18
  Speaker 8: Well, yeah, because in my mind I'm like, well, surely
• 16:20
  Speaker 8: people just split a gym membership and you know.
• 16:22
  Speaker 4: Yeah, you'd have to be smart about it though, because
• 16:24
  Speaker 4: you'd have to go together, always.
• 16:26
  Speaker 2: Always together, and always do during staffed hours.
• 16:29
  Speaker 4: So it's like, I mean, that's where possible, that's possible.
• 16:32
  Speaker 4: That's completely possible. What if you're in a relationship perfect.
• 16:35
  Speaker 6: Perfect, you could conceivably be spending half price on a
• 16:38
  Speaker 6: gym membership for.
• 16:39
  Speaker 2: I think that's a very good tip. Yeah, that is
• 16:42
  Speaker 2: really good. That's good.
• 16:43
  Speaker 6: So obviously this next one is mine. But my friend
• 16:46
  Speaker 6: who I work with reminded me that this is something
• 16:49
  Speaker 6: I actually used to do a lot so and I'm
• 16:52
  Speaker 6: sure a lot of people do this.
• 16:53
  Speaker 2: I feel like it was a trend back in the
• 16:55
  Speaker 2: day at I E.
• 16:56
  Speaker 6: Actually days ago that was wiry sandwich bag tires can
• 17:02
  Speaker 6: hold a sandal together, fears genuinely, And I know that
• 17:04
  Speaker 6: sounds dumb because like you just buy a new sandals
• 17:07
  Speaker 6: metal its metal exactly.
• 17:09
  Speaker 4: And also also they're changing all the sandwich ties to
• 17:11
  Speaker 4: being cardboards, so this is going to.
• 17:13
  Speaker 2: Be yes, well that's very true.
• 17:15
  Speaker 4: That doesn't work out, but yes, yes.
• 17:17
  Speaker 6: But also I was thinking, like when I first read
• 17:19
  Speaker 6: his message, I was like wire, and then I thought
• 17:22
  Speaker 6: of like when you get like a sandwich bag of ziploc.
• 17:24
  Speaker 2: Ones, and I was like, oh, yeah, I guess.
• 17:26
  Speaker 4: You could do that, And so I thought we were
• 17:27
  Speaker 4: talking about the like little wires, like a little bit size.
• 17:31
  Speaker 2: Twist tie and also the clippy. Yes.
• 17:34
  Speaker 6: All I'm trying to say is just forget about what
• 17:36
  Speaker 6: people say. Don't worry about social rules, the arbitrary. If
• 17:40
  Speaker 6: there's a way to fix something, whether it's duct tape.
• 17:42
  Speaker 4: Oh, fixing that is a good boat tip though, because
• 17:46
  Speaker 4: how many of us just go, oh, I could never
• 17:48
  Speaker 4: do that, but then you don't even try.
• 17:50
  Speaker 2: Yeah, yeah, you can do it.
• 17:51
  Speaker 4: There's a YouTube tutorial for anything. You can probably fix
• 17:54
  Speaker 4: it totally.
• 17:55
  Speaker 6: And I know if they's four, but anytime I would
• 17:56
  Speaker 6: get like I actually did wear stockings in high school
• 17:59
  Speaker 6: and sometimes they'd rip, I would literally color my leg
• 18:01
  Speaker 6: in black.
• 18:03
  Speaker 2: That yeah, totally.
• 18:04
  Speaker 8: I still do doing that with my runners currently. My
• 18:07
  Speaker 8: runners are like they're that mesh. And they started to
• 18:10
  Speaker 8: tear really soon after I got them, and I was like, well,
• 18:12
  Speaker 8: I'm not buying new ones.
• 18:14
  Speaker 2: Oh my gosh, mine did that too, but I sewed
• 18:16
  Speaker 2: them back up.
• 18:17
  Speaker 8: Oh my, it was very like holy, so I couldn't
• 18:20
  Speaker 8: and then I just left it. And now there's literally
• 18:22
  Speaker 8: like ten holes on my shoes and everyone looks at
• 18:24
  Speaker 8: them and they're like why why also socks instead of black,
• 18:30
  Speaker 8: so instead of wearing white socks and you could see them
• 18:32
  Speaker 8: through I just started wearing black socks.
• 18:33
  Speaker 2: Yea.
• 18:34
  Speaker 4: Literally the story of honestly, this is a story of values,
• 18:38
  Speaker 4: because miss jessic Ricci, I know what you earn, I
• 18:40
  Speaker 4: know what's in your savings account, and I know what
• 18:42
  Speaker 4: you're disposable income hooks, like you can afford new shoes,
• 18:46
  Speaker 4: but you're like that is not worth it. And I
• 18:48
  Speaker 4: think that that is iconic totally.
• 18:50
  Speaker 6: Your motto is if it ain't broke, don't fix it,
• 18:52
  Speaker 6: and if it is broke, don't.
• 18:53
  Speaker 2: Don't fix it with just use it.
• 18:57
  Speaker 8: Just use it, Just use it, you know, no worry,
• 19:00
  Speaker 8: you know what broke. Actually, so I'm getting so off topic,
• 19:02
  Speaker 8: but personal anecdote. My we spoke up to the podcast
• 19:05
  Speaker 8: my beloved Topp ofwar rice Mia what happened.
• 19:09
  Speaker 2: So there's like it has the lid.
• 19:13
  Speaker 8: And there's two handles that clip down to the lid
• 19:16
  Speaker 8: so the steam doesn't push the lid off. One of
• 19:18
  Speaker 8: the handles broke. No, I'm still using it.
• 19:21
  Speaker 2: I don't care. I lost.
• 19:22
  Speaker 4: Yes, it would still work right, Yeah, once it's a
• 19:25
  Speaker 4: little bit loose, but.
• 19:26
  Speaker 2: Does it matter? Does the rice cook?
• 19:28
  Speaker 1: Well?
• 19:28
  Speaker 2: So far? Yes, not broken.
• 19:30
  Speaker 8: That's what I totally chuck it. Just looks differing of
• 19:32
  Speaker 8: water on top. I tried looking to find one. I
• 19:34
  Speaker 8: found it was one hundred dollars.
• 19:35
  Speaker 2: Absolutely not, no, sir, No, So what is this? Is
• 19:38
  Speaker 2: this just like a little.
• 19:39
  Speaker 4: Shameless call out if anyone has an old tupperware rice
• 19:42
  Speaker 4: cooker by slide into Jessica's GMS with a fair price, okay,
• 19:48
  Speaker 4: and she's she's probably going to invest in that, but
• 19:50
  Speaker 4: she won't invest in her shoes.
• 19:51
  Speaker 2: No, god, no, I really agree. If it works, it
• 19:54
  Speaker 2: works totally totally.
• 19:56
  Speaker 6: And if you have new shoes that you want to give, yes,
• 19:58
  Speaker 6: don't tell her because she doesn't wander.
• 20:00
  Speaker 2: But the rice cookerd definitely. Can you just put something
• 20:01
  Speaker 2: heavy on top? No, there's holes for the steam to
• 20:04
  Speaker 2: come out. You know, I'll look into it, look into it,
• 20:06
  Speaker 2: we'll work it. Sorry, broke, don't fix it.
• 20:09
  Speaker 4: If it is broke, don't fix it completely.
• 20:11
  Speaker 2: So let's do it from a really quick break.
• 20:14
  Speaker 4: And on the flip side, we're going to be talking
• 20:15
  Speaker 4: about what happens to your hex step if you're not
• 20:18
  Speaker 4: going to be able to pay it off, like are
• 20:20
  Speaker 4: you going to be in hext step forever? And something
• 20:22
  Speaker 4: that you slid into our dms about should you be
• 20:24
  Speaker 4: paying for an accident that happened while you're helping a
• 20:27
  Speaker 4: friend out with something that they maybe should have just
• 20:29
  Speaker 4: been paying a professional for.
• 20:31
  Speaker 2: Don't go anywhere. Welcome back everyone. Let's take a listen
• 20:38
  Speaker 2: to the first money dilemma of the year. Hi, there, have.
• 20:44
  Speaker 4: You got a money dilemma you just can't solve? The
• 20:46
  Speaker 4: Sheese on the Money team is here to help. Every week,
• 20:49
  Speaker 4: we tackle your dilemmas, both big and small, to answer
• 20:52
  Speaker 4: your most burning money, career and life questions. To get involved,
• 20:56
  Speaker 4: simply head to our website and leave us a short
• 20:58
  Speaker 4: voice recording and you might just find youself on the show. Now,
• 21:01
  Speaker 4: let's take a listen to this week's money dilemma, Victoria.
• 21:06
  Speaker 7: You recently said on the podcast that there are some
• 21:09
  Speaker 7: people who will just never pay off their hex. How
• 21:12
  Speaker 7: do you work out if you're one of those people?
• 21:15
  Speaker 7: I earn around sixty thousand dollars a year working part time,
• 21:21
  Speaker 7: and I have a hex step of thirty thousand dollars.
• 21:25
  Speaker 7: I'm wondering if I'm one of those people.
• 21:28
  Speaker 2: Thanks, I did say that on the show, didn't I?
• 21:31
  Speaker 2: I did? I back it up.
• 21:33
  Speaker 4: There are definitely some people who will never pay off
• 21:37
  Speaker 4: their heck steps and that sounds terrifying, but I think
• 21:39
  Speaker 4: we need to contextualize it a little bit as well,
• 21:42
  Speaker 4: because in Australia our hex slash help loan scheme, while
• 21:48
  Speaker 4: it doesn't have interest that gets added to it, it
• 21:50
  Speaker 4: does have indexation. And if obviously there's been a lot
• 21:54
  Speaker 4: of talk, like last year we were talking about how
• 21:56
  Speaker 4: ridiculous the indexation was. It was that like seven point
• 21:58
  Speaker 4: one percent, which was unhind but on average over the
• 22:02
  Speaker 4: last thirty years, the average help slash hex debt indexation
• 22:06
  Speaker 4: sits at about two point seven percent, So like we
• 22:09
  Speaker 4: can spread that across our lifetimes and use that as
• 22:11
  Speaker 4: kind of like the average indexation rate, which could be
• 22:15
  Speaker 4: interchanged if you really wanted to, with an interest rate.
• 22:18
  Speaker 4: And in this situation when it comes to debt repayment,
• 22:21
  Speaker 4: we're just going to look at it as that's the
• 22:23
  Speaker 4: interest rate that it's going to grow by. Now this
• 22:25
  Speaker 4: community member has written in and said, hey, v I'm
• 22:27
  Speaker 4: one of these people, Like I have a sixty thousand
• 22:29
  Speaker 4: dollars income, I work part time, and I have a
• 22:31
  Speaker 4: thirty thousand dollars hex. Now I'm going to assume that
• 22:34
  Speaker 4: you earn that full sixty thousand dollars a year. That's
• 22:37
  Speaker 4: like your part time income. It's not like pro rata.
• 22:39
  Speaker 4: Just taking it as pace value. Thirty thousand dollars hextebt
• 22:44
  Speaker 4: means that you are probably paying back each and every
• 22:47
  Speaker 4: single year about six hundred dollars worth of your HEX debt,
• 22:50
  Speaker 4: which I'm really sorry, means you will have your hextet
• 22:53
  Speaker 4: for life. I'm going to open it up to you
• 22:54
  Speaker 4: too before I give the solution or the conversation.
• 22:58
  Speaker 2: How does that make you feel.
• 23:00
  Speaker 4: Thinking that there are people in our community that are
• 23:02
  Speaker 4: never going to pay off their hex debt, or that
• 23:04
  Speaker 4: are always going to have this quote debt looming over them.
• 23:08
  Speaker 2: Thankful that I didn't go to university.
• 23:11
  Speaker 4: You're like, it pays to be uneducated by I mean,
• 23:14
  Speaker 4: I think that it would annoy me knowing that the
• 23:17
  Speaker 4: debt was there, and knowing that, like every year for
• 23:19
  Speaker 4: the rest of your life, you're contributing whatever amount.
• 23:22
  Speaker 2: Six hundred bucks a year at this point, yeah, which.
• 23:24
  Speaker 8: Is not a small amount of money, like especially when
• 23:27
  Speaker 8: it's not or it would I imagine it would feel
• 23:29
  Speaker 8: like you're not putting a dent in one you know,
• 23:31
  Speaker 8: You're like, oh, well, what am I just going to
• 23:32
  Speaker 8: pay six hundred dollars and it's going to increase? Is
• 23:35
  Speaker 8: it's indexed you know, every year for the rest of
• 23:37
  Speaker 8: my life. That seems really annoying to me. I mean,
• 23:41
  Speaker 8: I guess on the flip side, is it the cost
• 23:44
  Speaker 8: of your education?
• 23:45
  Speaker 2: Like you could make extra contribution.
• 23:46
  Speaker 8: I don't like it, but we know that I don't
• 23:48
  Speaker 8: love like debt makes me feel little wicky, just generally,
• 23:51
  Speaker 8: like because of my past experience with it. I don't
• 23:52
  Speaker 8: love having it if I can avoid it. But it's
• 23:55
  Speaker 8: like one of those things at the same time where
• 23:57
  Speaker 8: at least it doesn't pass on to somebody else s
• 24:00
  Speaker 8: which I think you're in or somebody here if I
• 24:03
  Speaker 8: passed away, it's not going to become someone else's burden.
• 24:06
  Speaker 8: But I mean, like, unless you want to make extra contributions,
• 24:08
  Speaker 8: what can you do?
• 24:09
  Speaker 1: You know?
• 24:10
  Speaker 8: I feel like all of those things that'say, well, well
• 24:11
  Speaker 8: you stuck between a rock and a hard place totally.
• 24:14
  Speaker 2: But I did go to UNI.
• 24:15
  Speaker 6: I didn't ever actually finish anything, as you guys know,
• 24:18
  Speaker 6: but so I do have like random bits of units.
• 24:23
  Speaker 2: Yes, sorry, you know what, Actually it's crazy.
• 24:26
  Speaker 6: I've never finished a unit and never finished a module
• 24:28
  Speaker 6: and I've never been a but I've paid.
• 24:30
  Speaker 2: For them, and I checked my right in and dispute
• 24:34
  Speaker 2: that I didn't think it was a possibility. I checked it.
• 24:39
  Speaker 4: Even now, I would definitely write in and say, hey,
• 24:43
  Speaker 4: I just want to have a chat with somebody or
• 24:45
  Speaker 4: like raise it because I actually never finished any of this.
• 24:48
  Speaker 2: Is there a way that I can write it?
• 24:49
  Speaker 4: Because like, I'm not saying that they will waive it,
• 24:52
  Speaker 4: but there is a census state where you are meant
• 24:55
  Speaker 4: to pull out by and I can pull out of
• 24:57
  Speaker 4: a unit before then you can you know, not pay
• 25:00
  Speaker 4: for the course. Yes, And I'm not saying that they'll
• 25:02
  Speaker 4: honor it, but I have heard of people being able
• 25:05
  Speaker 4: to write in and say, hey, I never finished X,
• 25:06
  Speaker 4: y Z and I'm never going to be able to
• 25:08
  Speaker 4: pay this off.
• 25:09
  Speaker 2: Is there a way too?
• 25:10
  Speaker 4: And it's been honest, so like I mean, if you
• 25:12
  Speaker 4: don't ask, you don't get right totally.
• 25:14
  Speaker 2: That's true.
• 25:14
  Speaker 6: Okay, that's that's something you'll I'll think about it too much.
• 25:18
  Speaker 6: It would be really nice though. It's that thirty thousand
• 25:20
  Speaker 6: dollars somehow, and I don't know what a quick I've
• 25:24
  Speaker 6: been to it.
• 25:25
  Speaker 2: I'm just like, it's not.
• 25:26
  Speaker 6: That much if you're not really seeing it, like I don't.
• 25:29
  Speaker 6: I feel like if at the end of the year,
• 25:31
  Speaker 6: unless like your employee employer is doing something right, you
• 25:35
  Speaker 6: don't have to like get to tax time and be like,
• 25:37
  Speaker 6: oh I owe this much in hex like you don't
• 25:39
  Speaker 6: really see it. So I'm like, and also, if you're
• 25:42
  Speaker 6: making a certain amount then you start paying a little bit,
• 25:46
  Speaker 6: it just feels like nothing to me personally, Like I've
• 25:49
  Speaker 6: no concern even if it's a million dollars, Like a
• 25:52
  Speaker 6: million dollars in next step, I'd be like, I don't care.
• 25:55
  Speaker 4: Is that because the debt repayments aren't crippling to your
• 25:59
  Speaker 4: financial life? What said about because obviously a million dollars
• 26:03
  Speaker 4: saying oh, I wouldn't care if it's a million, Like
• 26:05
  Speaker 4: I get, I get where you're coming from. But also
• 26:09
  Speaker 4: there are people like Jess if that was looming over her,
• 26:11
  Speaker 4: she would even though you're right, it's not of a
• 26:16
  Speaker 4: lot of consequence totally.
• 26:18
  Speaker 2: And that's why I've been bankrupt and Jess has been no.
• 26:21
  Speaker 2: But I think everyone has different feelings.
• 26:23
  Speaker 6: Yeah, yeah, and and and and like honestly, like I'm
• 26:25
  Speaker 6: at a point where I just I don't think not
• 26:28
  Speaker 6: at a point, like I feel like I've always been
• 26:29
  Speaker 6: like this, like education and learning is never a waste
• 26:33
  Speaker 6: of time or money.
• 26:34
  Speaker 2: And I'm like, even though.
• 26:35
  Speaker 6: I didn't finish anything just because I've got to like
• 26:38
  Speaker 6: exam like this, but yeah, I learned so much, I
• 26:42
  Speaker 6: think from all these things, and I don't regret that
• 26:46
  Speaker 6: at all. But yeah, I think just because it's like
• 26:48
  Speaker 6: I'm not seeing it. If it was like money I
• 26:50
  Speaker 6: had to pay and had to remember to pay it
• 26:52
  Speaker 6: after different stories and after the money came in different story,
• 26:55
  Speaker 6: but I'm not seeing it exactly.
• 26:59
  Speaker 4: Yeah, And like I can completely see where you're coming from. Jess,
• 27:02
  Speaker 4: you mentioned something before, like about the debt not continuing.
• 27:07
  Speaker 4: I have said on this podcast before Hex Slash Help,
• 27:11
  Speaker 4: debt is the only debt that dies with you. And
• 27:14
  Speaker 4: when I say that, I mean it is the only
• 27:16
  Speaker 4: debt that is canceled out.
• 27:19
  Speaker 2: When you die. It's a little bit morbid, but.
• 27:20
  Speaker 4: I think it's important for you to understand that because
• 27:22
  Speaker 4: I think a lot of us get stressed about the
• 27:24
  Speaker 4: idea of passing on debt to our kids or our
• 27:27
  Speaker 4: family or our friends or whatever. That looks like, I mean,
• 27:30
  Speaker 4: you do have to wrap up your tax return. So
• 27:33
  Speaker 4: say you die, Like, let's just be real morbid here.
• 27:35
  Speaker 4: Let's say I died in February. Next month, that means
• 27:40
  Speaker 4: I'm still going to my state will have to submit
• 27:43
  Speaker 4: a tax return in June. So June thirty comes, I
• 27:47
  Speaker 4: need to do my tax return, and whatever Hex's debt
• 27:50
  Speaker 4: I had owing for that period, I need to pay.
• 27:53
  Speaker 2: But the rest of the debt would get wiped because
• 27:55
  Speaker 2: I'm now deceased.
• 27:56
  Speaker 4: And I think that that's important to understand because it
• 27:59
  Speaker 4: doesn't make up part of your estate. So let's say
• 28:02
  Speaker 4: you have a thirty thousand dollar hex stet and one
• 28:03
  Speaker 4: hundred thousand dollars in savings. If that was like credit
• 28:06
  Speaker 4: card debt, or if that was a home loan, or
• 28:08
  Speaker 4: if that was any other type of personal loan, what
• 28:11
  Speaker 4: would happen with your estate? And estate is a fancy
• 28:14
  Speaker 4: word for saying all your stuff in one bucket that
• 28:18
  Speaker 4: you owned when you die, your estate would pay for that. So,
• 28:22
  Speaker 4: say you've got your debt, all of that would be
• 28:24
  Speaker 4: you know, organized, and you'd get seventy thousand dollars out
• 28:27
  Speaker 4: of that to distribute to your friends and family when
• 28:30
  Speaker 4: you pass away.
• 28:30
  Speaker 2: In your will.
• 28:31
  Speaker 4: However, hext doesn't come into your little bucket of your estate.
• 28:35
  Speaker 2: It doesn't come in and.
• 28:35
  Speaker 4: Say, hey, just so you know you still owned the
• 28:37
  Speaker 4: government thirty grand. They'll just go, you died, don't worry
• 28:41
  Speaker 4: about it, like that was bad enough, so they don't
• 28:44
  Speaker 4: take it from you. And I think that that is
• 28:45
  Speaker 4: a really important point, because a lot of people are
• 28:49
  Speaker 4: making the decision to just not care about their hex
• 28:53
  Speaker 4: stet anymore. They're like, I see it's index at two
• 28:55
  Speaker 4: point seven percent. I see that that means that, you know,
• 28:58
  Speaker 4: if I have a sixty thousand dollars come and I've
• 29:00
  Speaker 4: got thirty thousand dollars owing, I'm going to be paying
• 29:03
  Speaker 4: six hundred bucks a.
• 29:04
  Speaker 2: Year on that for forever more. I just don't care.
• 29:08
  Speaker 4: Like that's what a lot of people are deciding, because
• 29:10
  Speaker 4: they look at it and they go, even if I
• 29:12
  Speaker 4: extinguished that amount of money, So even if I saved
• 29:15
  Speaker 4: up thirty thousand dollars and paid off that entire hextet,
• 29:18
  Speaker 4: it doesn't actually put me even in a better borrowing situation.
• 29:21
  Speaker 4: Like getting rid of that hextet doesn't mean that I'm
• 29:23
  Speaker 4: going to increase my borrowing capacity. I'd actually prefer to
• 29:26
  Speaker 4: have that thirty thousand dollars in my savings account or
• 29:29
  Speaker 4: invested or in property or somewhere else.
• 29:31
  Speaker 2: So a lot of.
• 29:32
  Speaker 4: People are deprioritizing paying off their hexts. Is that the
• 29:35
  Speaker 4: right thing to do? Who knows, It's just an experience
• 29:38
  Speaker 4: that's happening in our community. But yes, there are definitely
• 29:42
  Speaker 4: people who are going to have their hex debts forever.
• 29:45
  Speaker 4: And do I think that's a negative thing? Honestly no,
• 29:49
  Speaker 4: Because you were able to get the education that you
• 29:52
  Speaker 4: consented to. You knew how much it was going to
• 29:55
  Speaker 4: be and what the repayments would look like and how
• 29:57
  Speaker 4: that worked, and maybe it just doesn't work out that
• 30:01
  Speaker 4: you paid off forever. I'm just glad that we don't
• 30:03
  Speaker 4: have an education financing system like the US, where it
• 30:07
  Speaker 4: becomes completely crippling to get into student debt. And I
• 30:12
  Speaker 4: also love that our system means that if you lose
• 30:15
  Speaker 4: your income or you don't have you know, the income
• 30:18
  Speaker 4: needed to pay back, you don't have to. So I
• 30:20
  Speaker 4: think there's a lot, like there's pros and cons, like
• 30:22
  Speaker 4: nobody wants to die in debt, but I think we
• 30:25
  Speaker 4: also need to remember that we're getting a lot from that.
• 30:27
  Speaker 4: And even if you are earning a sixty thousand dollars
• 30:30
  Speaker 4: part time income, yes, you're paying back your debt, but
• 30:34
  Speaker 4: you got this massive degree and maybe part time, like
• 30:37
  Speaker 4: part time sixty grand, that's a good income. That's why
• 30:41
  Speaker 4: you're able to earn it. Maybe because you went to UNI,
• 30:44
  Speaker 4: you were able to get this good job with the
• 30:46
  Speaker 4: degree that you had, and now that's just like paying
• 30:49
  Speaker 4: the way of being able to do that.
• 30:51
  Speaker 2: So true.
• 30:52
  Speaker 4: So I just think there's a lot to it. And
• 30:54
  Speaker 4: I think people put a lot of importance on smashing
• 30:57
  Speaker 4: down the hextet without talking about the bigger repercussions. And
• 31:01
  Speaker 4: there have been when I was a financial advisor a
• 31:04
  Speaker 4: lot of people that I sat down with that would
• 31:06
  Speaker 4: be like.
• 31:06
  Speaker 2: Oh my god, V I'm so glad I'm here.
• 31:08
  Speaker 4: I've got, you know, all of these savings and all
• 31:10
  Speaker 4: of this hex stet, and we need to get rid
• 31:12
  Speaker 4: of the hex stet and then next we'll do and
• 31:14
  Speaker 4: then we do their financial advice and paying more off
• 31:16
  Speaker 4: the hex stet was never part of the plan. So
• 31:19
  Speaker 4: I think it's just take it with a grain of salt.
• 31:22
  Speaker 4: Debt can be scary, but that's one of the debts
• 31:24
  Speaker 4: that's not good or bad.
• 31:25
  Speaker 2: Debt just sits in the middle. Yes's gray, Yeah, she's grey.
• 31:29
  Speaker 2: Should we get into the juice? Juicyday? It was hex
• 31:33
  Speaker 2: stet and you dying not juicy enough. It's a little
• 31:37
  Speaker 2: bit sad. I'm ready for the good stuff. I'm always
• 31:40
  Speaker 2: ready for the good stuff. Are you ready? We got
• 31:41
  Speaker 2: a DM.
• 31:42
  Speaker 4: DM said, Hey, she's on the money. I am in
• 31:45
  Speaker 4: an awkward situation. My friend wanted to save some money
• 31:48
  Speaker 4: on renos before their baby arrived, so they asked me
• 31:51
  Speaker 4: to help paint their house.
• 31:52
  Speaker 2: Great cool, We've all done that checks out so far.
• 31:55
  Speaker 4: Of course, I said yes, how could I not? But
• 31:57
  Speaker 4: while I was moving the ladder, it slipped and I
• 32:00
  Speaker 4: accidentally knocked over their brand new TV that was propped
• 32:02
  Speaker 4: up waiting to be mounted. Now they're asking me to
• 32:06
  Speaker 4: pay for it, and I feel awful, But I kind
• 32:09
  Speaker 4: of feel like it wouldn't have happened if they hadn't
• 32:11
  Speaker 4: asked me for help in the first place. I was
• 32:14
  Speaker 4: doing them a favor to save some money, and now
• 32:16
  Speaker 4: I'm the one out of pocket. Am I being unreasonable
• 32:19
  Speaker 4: for thinking I shouldn't have to pay? I would love
• 32:22
  Speaker 4: to hear the team's thoughts.
• 32:27
  Speaker 2: That is actually really hard. This is really like.
• 32:31
  Speaker 4: My tongue so hard.
• 32:36
  Speaker 2: I just think, like maybe go hard.
• 32:39
  Speaker 6: I just that is a really really good because I'm like,
• 32:41
  Speaker 6: if your friends were going to pay, Like so, I
• 32:43
  Speaker 6: don't know how much a pain to cost, but let's
• 32:45
  Speaker 6: say two thousand dollars for a painter.
• 32:46
  Speaker 2: Yeah, you go about that.
• 32:47
  Speaker 4: Because I am currently having my house repainted. Oh yeah, yep,
• 32:51
  Speaker 4: we've got some quotes, so two grand yep.
• 32:54
  Speaker 2: It is an accident, it really does. I get it.
• 32:56
  Speaker 6: Like it feels so crappy when you're not doing I
• 33:00
  Speaker 6: don't know if this our listener is doing really well financially,
• 33:04
  Speaker 6: not doing well financially, whatever it is. But like when
• 33:06
  Speaker 6: you're in a situation where.
• 33:07
  Speaker 4: Respect it's about the blame game. It's not about how
• 33:09
  Speaker 4: much money you've got your account totally responsibility.
• 33:12
  Speaker 2: Is this broken? Tell exactly?
• 33:13
  Speaker 6: And it's like it's when you accidentally do something, you
• 33:17
  Speaker 6: have no intention of anything, and all of a sudden
• 33:21
  Speaker 6: you're in the whole like five k. I don't know,
• 33:24
  Speaker 6: I'm assuming it's like five k if it's like a
• 33:25
  Speaker 6: big one that's need to be mounted on a TV.
• 33:28
  Speaker 2: How much are these days? I don't know, but there's
• 33:30
  Speaker 2: no way I'd spend five.
• 33:33
  Speaker 8: It's like on a big black I don't know. That's
• 33:37
  Speaker 8: that's a that's a blue job in our house, a
• 33:38
  Speaker 8: big old. It was all my boyfriend tell me how
• 33:44
  Speaker 8: much today sale.
• 33:46
  Speaker 4: I'm not buying it totally. I think my last TV
• 33:49
  Speaker 4: was maybe fifteen hundred bucks. I didn't get the bigger
• 33:51
  Speaker 4: one because I was like, I'm not spending that.
• 33:53
  Speaker 2: Well, yeah, I mean you can get. It really depends
• 33:55
  Speaker 2: on how small.
• 33:56
  Speaker 6: Sure sure, sure, sure, yeah, I've aways just had one.
• 33:59
  Speaker 6: I have no idea how, but anyway, so this, you know,
• 34:02
  Speaker 6: it really sucks when that happens.
• 34:03
  Speaker 2: I understand that.
• 34:04
  Speaker 6: You're kind of like if the think of it from
• 34:07
  Speaker 6: their side, if they're like, oh, this brand new TV,
• 34:10
  Speaker 6: we've saved up for this and we're so excited to
• 34:12
  Speaker 6: use it. My friend accidentally broke it totally totally not
• 34:16
  Speaker 6: their fault.
• 34:16
  Speaker 2: They here to help me. Maybe let's try and find
• 34:19
  Speaker 2: a way where we can go halves or or something.
• 34:24
  Speaker 6: I just don't know that it's either one's responsibility completely,
• 34:30
  Speaker 6: I think, but you guys look like you.
• 34:32
  Speaker 2: Definitely don't agree. So I'm gonna.
• 34:36
  Speaker 4: Beg if you came to my No, you know what
• 34:38
  Speaker 4: I want, justice opinion. I want justice opinion. Jess, what
• 34:41
  Speaker 4: are your thoughts to me?
• 34:42
  Speaker 2: It's not a gray area, like if you damage it,
• 34:45
  Speaker 2: jes As Like, No, I just think if you.
• 34:47
  Speaker 8: Damage something that is not yours, your responsibility is to
• 34:52
  Speaker 8: fix it or pay for it to be fixed.
• 34:53
  Speaker 2: Right, because I think if you like broaden it. Oh,
• 34:57
  Speaker 2: Victoria does not agree. I don't.
• 34:59
  Speaker 8: I don't think because I think that like if you
• 35:01
  Speaker 8: take I think, helping them paint their house, you have
• 35:04
  Speaker 8: to take that out of it.
• 35:05
  Speaker 2: Like why you were there is irrelevant to me.
• 35:08
  Speaker 8: Yeah, okay, if I'm at anyone's house for any reason.
• 35:11
  Speaker 8: It's like if you hit somebody's car, Like it doesn't
• 35:13
  Speaker 8: matter if I was doing a good deed in stopping
• 35:15
  Speaker 8: so the ducklings could cross.
• 35:16
  Speaker 2: Like I hit someone's car.
• 35:20
  Speaker 8: Like, I just think the reason you're there is not
• 35:23
  Speaker 8: Like I understand that. Maybe for in our listener's mind,
• 35:26
  Speaker 8: they're like, oh, I was doing a nice thing, and
• 35:28
  Speaker 8: that nice thing is but I totally get that that's
• 35:30
  Speaker 8: a shitty feeling. But like you've broken Like I just
• 35:35
  Speaker 8: I think I know what VD is gonna say. But
• 35:37
  Speaker 8: my opinion is like, you are responsible for your actions
• 35:40
  Speaker 8: in this world, and be they accidental or be they intentional.
• 35:45
  Speaker 8: It's not fair to expect somebody else to foot the
• 35:47
  Speaker 8: bill for something that you've done.
• 35:49
  Speaker 6: Right, I was just sorry if it is despert to talk,
• 35:54
  Speaker 6: despert to talk. But also I do agree. And it's
• 35:56
  Speaker 6: also like, if you're doing good deed, there shouldn't be
• 35:59
  Speaker 6: any like things like, oh, then that means that I
• 36:03
  Speaker 6: can either get away with this, or you'll do this
• 36:05
  Speaker 6: for me or whatever. It's just like you're just doing
• 36:07
  Speaker 6: a nice thing for a friend. Yeah, yeah, that is separate.
• 36:09
  Speaker 6: I see what you're saying. Anyway, so I speaking the
• 36:11
  Speaker 6: first time we've all had completely no opinion. I was
• 36:13
  Speaker 6: going to say this is I don't think this has
• 36:14
  Speaker 6: ever happened before you knew us.
• 36:17
  Speaker 2: Wow, just what is my opinion? What do you think
• 36:19
  Speaker 2: my opinion is?
• 36:19
  Speaker 8: I know that you're going to say that when you
• 36:22
  Speaker 8: invited somebody to your house you took on the risk
• 36:24
  Speaker 8: or whatever.
• 36:27
  Speaker 2: Why was your TV out while you're painting? I mean
• 36:30
  Speaker 2: totally fair, were only mounted yet?
• 36:33
  Speaker 4: Okay, all right, it's on the floor. Why is the
• 36:36
  Speaker 4: TV in a room where you've got a.
• 36:38
  Speaker 2: Massive ladder ah see, So you're.
• 36:40
  Speaker 4: Telling me you've got a ladder that could potentially fall over,
• 36:44
  Speaker 4: like a dodgy one at that, and there's a massive
• 36:47
  Speaker 4: TV that is a hazard in this Like, are we
• 36:50
  Speaker 4: not clearing the room to paint the room? Like, yeah,
• 36:54
  Speaker 4: that would have been, but we're not getting rid of
• 36:55
  Speaker 4: all of the expensive things while getting paint out.
• 36:59
  Speaker 2: Paint on a televis to begin with.
• 37:00
  Speaker 4: Terrible outcome ladder Like literally, you've got amateurs climbing up
• 37:06
  Speaker 4: a ladder and you thought leaving the TV on the
• 37:09
  Speaker 4: ground is a good idea.
• 37:12
  Speaker 2: It's a good point. It is a good point. Now
• 37:14
  Speaker 2: I really wanted to know how it happens.
• 37:15
  Speaker 4: I need to know so much about this situation. But also,
• 37:20
  Speaker 4: say Jess comes to my house. I know, like Jess
• 37:23
  Speaker 4: is the sweetest person ever. If I said Jess, I
• 37:24
  Speaker 4: need help painting my house, what's she going to say.
• 37:27
  Speaker 2: I'll be there at ten. Yeah sounds fun.
• 37:29
  Speaker 4: She's not getting up early to do it, but she'll
• 37:33
  Speaker 4: be there with bells on. And then she climbs up
• 37:36
  Speaker 4: a ladder to help me paint. I know she's an amateur.
• 37:38
  Speaker 4: I know she's never done this. She falls off the
• 37:41
  Speaker 4: ladder and breaks her leg. Who's faults at I.
• 37:46
  Speaker 2: Still put that on me, Like I'm the one who's
• 37:48
  Speaker 2: fallen off the ladder.
• 37:49
  Speaker 4: Yeah, but like you're in my house on my dodgy
• 37:52
  Speaker 4: ladder that I should have been like, just be really careful.
• 37:57
  Speaker 4: But like I just I think that that is your
• 38:01
  Speaker 4: fault for leaving the TV out in a space where
• 38:04
  Speaker 4: you were doing amateur DIY, Like you've left a TV out, Like,
• 38:09
  Speaker 4: I know, it's really shitty. I know that you don't
• 38:12
  Speaker 4: want to have to buy another TV, and I know
• 38:15
  Speaker 4: that you're trying to save money, but I think that
• 38:17
  Speaker 4: was a cost where you go, oh, I'm.
• 38:19
  Speaker 2: So sorry you fell off the ladder, Jess.
• 38:21
  Speaker 4: Yeah, like that's a safety issue that you didn't like
• 38:25
  Speaker 4: Jess came to my house, she fell off my ladder
• 38:27
  Speaker 4: because I didn't protect her to do like, yeah, we're
• 38:30
  Speaker 4: doing something that she's never done before. But like, she
• 38:33
  Speaker 4: didn't sign up to fall off ladder. She didn't like
• 38:36
  Speaker 4: she signed up to paint some walls that should be
• 38:38
  Speaker 4: relatively inconsequential. It might be dodgy, there might be runs
• 38:42
  Speaker 4: all over the walls, who knows, but that's the risk
• 38:44
  Speaker 4: I'm taking. Would you then sue Jess or be mad
• 38:47
  Speaker 4: if like Jess did a really shitty job of painting
• 38:50
  Speaker 4: the wall, so like flip it around. We're going to
• 38:52
  Speaker 4: talk about another financial impact. Jess comes to my house,
• 38:56
  Speaker 4: she paints my walls, but she wasn't clean out the brush.
• 39:00
  Speaker 4: She like kept putting it on the ground. There's a
• 39:02
  Speaker 4: dirt in the brush, wos She's just kept painting the
• 39:05
  Speaker 4: walls whatever. There's runs all over the walls. There's bits
• 39:08
  Speaker 4: of dirt in the walls. She's gone home, it's dried.
• 39:11
  Speaker 4: I have to then pay someone to come back and
• 39:14
  Speaker 4: fix that because she's messed it up.
• 39:16
  Speaker 2: Who's paying for that? I see what you're saying, Okay, ah, but.
• 39:23
  Speaker 4: Yeah, just did that, but did like I mean, I'm
• 39:25
  Speaker 4: making just pay for it. If she got frustrated at
• 39:27
  Speaker 4: the paint brush through it across the room and kicked
• 39:29
  Speaker 4: my TV, breaking it. Just didn't mean to break the
• 39:38
  Speaker 4: TV and I left it in a spot where it
• 39:41
  Speaker 4: could be broken when it definitely shouldn't have been there
• 39:44
  Speaker 4: in the first place. And what now I'm going to
• 39:46
  Speaker 4: financially impact my friend who was doing a good deed
• 39:49
  Speaker 4: coming to my house to help me. Absolutely not interesting,
• 39:52
  Speaker 4: I would say.
• 39:53
  Speaker 8: Asked if they have content insurance and can you pay
• 39:55
  Speaker 8: their excess payment? That would be my solution.
• 39:57
  Speaker 2: We were for TV.
• 39:59
  Speaker 8: Yeah, oh yeah, make a content Yeah.
• 40:03
  Speaker 4: I come to your house like flip it. You've had
• 40:06
  Speaker 4: issues with your walls, You've had it, like I come
• 40:08
  Speaker 4: and help. I'm standing on your bedside table. I'm trying
• 40:11
  Speaker 4: to help you patch up the wall and the roof
• 40:13
  Speaker 4: like we're sticking Marley's.
• 40:15
  Speaker 2: Spoon, you know.
• 40:18
  Speaker 4: Yeah, yeah, you know, you know, but like that's what
• 40:20
  Speaker 4: I'm doing for you. I trip, I fall, I break
• 40:23
  Speaker 4: your bedside lamp. Am I buying you a new lamp?
• 40:27
  Speaker 2: I wouldn't ask you to know? Okay, why wouldn't you
• 40:29
  Speaker 2: ask me to Well, I feel like I would be like, well,
• 40:32
  Speaker 2: you've done. I get with you.
• 40:34
  Speaker 4: But I'm still also.
• 40:35
  Speaker 8: Like I don't know, maybe it's just me, but if
• 40:37
  Speaker 8: I had fallen and broken the lamp, I do think
• 40:38
  Speaker 8: I would still say.
• 40:39
  Speaker 4: You would often replace the lamp. Yeah, I know you would,
• 40:42
  Speaker 4: because you're a kind person. Would I let you? No,
• 40:45
  Speaker 4: you wouldn't exactly, And it's because it was like.
• 40:50
  Speaker 2: I should have moved the lamp, Yeah, should the lamp?
• 40:53
  Speaker 4: Should the lamp have been on the bedside table when
• 40:56
  Speaker 4: I was climbing up there. No, should I have thought
• 40:59
  Speaker 4: about moving it myself? Probably, but it's not my house life.
• 41:02
  Speaker 7: I know.
• 41:02
  Speaker 6: But I'm like, I'm really thinking about like both parties,
• 41:05
  Speaker 6: and I do think they should maybe split the different things.
• 41:07
  Speaker 4: You should have a conversation. But i'd pay by in
• 41:09
  Speaker 4: storm of something.
• 41:10
  Speaker 6: But I just know that when I bought my new phone,
• 41:11
  Speaker 6: for examples, like a thousand dollars, and I saved it
• 41:14
  Speaker 6: for a long time.
• 41:15
  Speaker 2: For that was the whole thing.
• 41:16
  Speaker 6: If one of my friends was like, oh my god,
• 41:18
  Speaker 6: let me see your phone and then dropped it and
• 41:19
  Speaker 6: broke it, I'll be like, I'd be like, oh, that's okay,
• 41:22
  Speaker 6: And then inside you'd I'd be like, I will never
• 41:26
  Speaker 6: financially and actually recover. And I would be like, I
• 41:30
  Speaker 6: want them to pay because they broke it. And so
• 41:32
  Speaker 6: I can understand both.
• 41:34
  Speaker 2: I gotta know whatever I know, Okay, Okay, so you
• 41:37
  Speaker 2: know whatever I say.
• 41:37
  Speaker 4: I'm feeling validated. Just so you guys know. We asked
• 41:41
  Speaker 4: the community and we said, if you were the homeowner,
• 41:44
  Speaker 4: would you ask your friend to help pay seventy one percent?
• 41:47
  Speaker 4: And you said no, I asked them for help twenty
• 41:50
  Speaker 4: nine percent and said, yeah, they broke it.
• 41:52
  Speaker 8: Yeah, I don't think i'd ask them to pay, but
• 41:55
  Speaker 8: I would hope that they would offer or I would.
• 41:59
  Speaker 4: Then I asked, if you were the friend who broke
• 42:01
  Speaker 4: the TV, would you pay for it? Forty percent of you,
• 42:04
  Speaker 4: which is the highest percentage, says yes, I broke it.
• 42:07
  Speaker 4: So it's giving Jess energy. It's giving Jess energy.
• 42:10
  Speaker 2: So she's like, oh, I'd offer. But then I'm like,
• 42:12
  Speaker 2: but I wouldn't make you pay. Yeah, right.
• 42:15
  Speaker 4: Thirty seven percent of you said yes, but only to
• 42:17
  Speaker 4: stop the drama, and twenty three percent of you said no,
• 42:22
  Speaker 4: I'd tell them I wasn't paying. Awkward we did then
• 42:26
  Speaker 4: say all right, we need your two cents.
• 42:28
  Speaker 2: Yeah, tell us more.
• 42:29
  Speaker 4: First person said were they getting paid to paint?
• 42:33
  Speaker 2: No? Then no? Yes, then okay to contribute. Oh that's
• 42:37
  Speaker 2: an interesting sat stick.
• 42:39
  Speaker 4: Someone else said, I would have moved it to a
• 42:41
  Speaker 4: safer place before opening a ladder in that room. To
• 42:46
  Speaker 4: my own heart. Someone else said, this is just Jess
• 42:49
  Speaker 4: coded at least for it. I just think our community,
• 42:53
  Speaker 4: our community, and we share one brain cell used to
• 42:56
  Speaker 4: just be Jess and I. Everybody give me your brains
• 42:59
  Speaker 4: are they said they should have had insurance. If not
• 43:02
  Speaker 4: hiring professionals and not set up carefully for you their fault.
• 43:08
  Speaker 4: I'm not getting insurance if I am not paying a
• 43:10
  Speaker 4: professional painter, like low key, I have a professional painter to
• 43:13
  Speaker 4: come with insurance. Yeah, but like if I'm asking Jess
• 43:16
  Speaker 4: to come over and help with paint, I'll pay you.
• 43:19
  Speaker 1: Yeah.
• 43:20
  Speaker 4: Like we're ordering a pizza at the end of the day,
• 43:22
  Speaker 4: and hopefully it's a nice day, We're going to eat
• 43:23
  Speaker 4: it outside with an apparol.
• 43:25
  Speaker 2: Yeah, you know what I mean. Yeah. Someone else said,
• 43:28
  Speaker 2: you break it, you buy it. I mean that's yeah,
• 43:31
  Speaker 2: it's a good sign. But Christmas anymore. But you can
• 43:36
  Speaker 2: still ride the wave. Yeah.
• 43:39
  Speaker 4: Someone else said, I can't imagine asking my friend to pay,
• 43:41
  Speaker 4: but I would pay if I was the friend.
• 43:44
  Speaker 2: Yeah, that's why I suggested all the comments.
• 43:46
  Speaker 4: Someone else said, seems they value the TV more than
• 43:49
  Speaker 4: their friend and their time. If they're asking for money
• 43:52
  Speaker 4: but won't pay their friend.
• 43:56
  Speaker 2: Do you do you reckon the painters would have to pay.
• 43:59
  Speaker 4: Imagine it short, but imagine I imagine so Jess comes
• 44:03
  Speaker 4: to my house, she breaks my TV because she's fallen
• 44:05
  Speaker 4: off my dodgy ladder and I say, Jess, you need
• 44:08
  Speaker 4: to pay for that.
• 44:09
  Speaker 2: You need to pay for the Telly just goes, no worries.
• 44:12
  Speaker 4: He's an invoice for my time.
• 44:13
  Speaker 8: Literally, yeah, right to that off that, to take it
• 44:18
  Speaker 8: off the top.
• 44:20
  Speaker 2: Pinting right then, Oh my gosh.
• 44:23
  Speaker 4: Someone else said I would pay for it to stop
• 44:25
  Speaker 4: the drama and then never be friends with them again.
• 44:27
  Speaker 5: Oh what.
• 44:29
  Speaker 4: Imagine like, guys, because we're not saying that you're fighting
• 44:33
  Speaker 4: or that there's any animosity. I suppose we're saying you
• 44:36
  Speaker 4: broake the TV. We just want to know who's fold
• 44:38
  Speaker 4: it is. You're going to cut a friend out, if
• 44:40
  Speaker 4: my friendship, if my friendship is so fragile that a
• 44:44
  Speaker 4: broken TV is going to fracture it, keep it, keep
• 44:47
  Speaker 4: the broken TV.
• 44:48
  Speaker 2: I don't need you as my friend.
• 44:50
  Speaker 6: I mean, because there are valid points on both sides,
• 44:52
  Speaker 6: you don't really chuck it in.
• 44:54
  Speaker 4: Someone else said, doing a favor doesn't mean you're exempt
• 44:56
  Speaker 4: from righting wrongs, even if accidental.
• 45:00
  Speaker 2: That's dramatic.
• 45:01
  Speaker 4: Someone else said if they wanted to save money by
• 45:03
  Speaker 4: having someone that's not a professional with insurance, that's on them.
• 45:07
  Speaker 4: They also shouldn't have left their brand new TV in
• 45:09
  Speaker 4: the room where the work was being done. Howder why
• 45:12
  Speaker 4: was the TV there? It's a great point anyway. You know,
• 45:15
  Speaker 4: there's always context missing from a lot of these dms,
• 45:20
  Speaker 4: which is fine. That makes it fun, that makes it spicy.
• 45:22
  Speaker 4: But I think this, guys, is the first.
• 45:25
  Speaker 2: I think it is. Yeah, it's the first. What is it, Jess?
• 45:28
  Speaker 2: The first? What disagreement? No? Yes, maybe same?
• 45:32
  Speaker 4: But I was going to say, this is the first
• 45:34
  Speaker 4: DM where we haven't said the answer is communication.
• 45:38
  Speaker 2: Oh, I hate It's not too late. You you us,
• 45:43
  Speaker 2: you knew us. All Right. With that, we are off.
• 45:45
  Speaker 4: Thank you for tuning into our first Friday episode of
• 45:48
  Speaker 4: the year. We are hoping to ride this motivation wave.
• 45:51
  Speaker 4: I want to remind you as well if you're feeling
• 45:53
  Speaker 4: incredibly motivated. I am running a financial Foundation's workshop on
• 45:58
  Speaker 4: January eighth, which I know is going to be pivotal
• 46:01
  Speaker 4: for a lot of people. I ran it last year
• 46:02
  Speaker 4: as kind of like a test because I knew it'd
• 46:04
  Speaker 4: be good. But I was like, let's just do it
• 46:06
  Speaker 4: late last year, see how it goes, so that I
• 46:07
  Speaker 4: could set everybody up for success in the new year.
• 46:10
  Speaker 4: And I think it is going to be the perfect
• 46:12
  Speaker 4: way to start your year on a financial high. So
• 46:14
  Speaker 4: that is running on the eighth of January, and I
• 46:16
  Speaker 4: will put all the information in the show notes.
• 46:18
  Speaker 2: It's also going to be spammed all.
• 46:19
  Speaker 4: Over our Instagram, all over my Instagram. It's probably a
• 46:22
  Speaker 4: new newsletter. If you miss it, that's on you, not
• 46:24
  Speaker 4: on me. I promise all right, have a good day, guys,
• 46:27
  Speaker 4: and we will see you bright nearly on Monday for
• 46:29
  Speaker 4: our money Diary by guys been here. The advice shared
• 46:37
  Speaker 4: on She's on the Money is general in nature and
• 46:40
  Speaker 4: does not consider your individual circumstances. She's on the Money
• 46:43
  Speaker 4: exists purely for educational purposes and should not be relied
• 46:47
  Speaker 4: upon to make an investment or financial decision.
• 46:50
  Speaker 2: If you do choose to buy a financial.
• 46:52
  Speaker 4: Product, read the PDS TMD and obtain appropriate financial.
• 46:55
  Speaker 2: Advice tailored towards your needs. Victoria Divine and She's on
• 46:59
  Speaker 2: the Money.
• 47:00
  Speaker 4: Authorized Representatives of Money, sirper P T Y L T
• 47:03
  Speaker 4: D A B N three two one six four nine
• 47:06
  Speaker 4: two seven seven zero eight a F s L four
• 47:09
  Speaker 4: five one two eight nine