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She Wanted Vanilla... · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
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Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
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Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming
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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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Speaker 1: and the storytelling of you to make a difference for
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Speaker 1: today and lasting impact for tomorrow.
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Speaker 2: Let's get into it.
0:34
Speaker 3: She's on the Money, She's on the Money.
0:57
Speaker 2: Hello, and welcome to She's on the Money, the podcast
1:00
Speaker 2: Millennials who Want Financial Freedom. Today, my friends, is Friday,
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Speaker 2: which means it is time to get our little team together,
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Speaker 2: and by little, I mean it's just jess and I today, Jessica,
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Speaker 2: Miss Beck. We're going to be talking today about our
1:13
Speaker 2: incredible She's on the Money community. We're also going to
1:16
Speaker 2: be sharing our favorite money wins. We're going to be
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Speaker 2: helping to answer do you see money dilemma, which this
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Speaker 2: week is all about explaining salary packaging. And we're going
1:24
Speaker 2: to be unpacking something that you slid into our DMS
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Speaker 2: about and this week we're talking about taking a step
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Speaker 2: back in your career to support your partner's goals. It's
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Speaker 2: just GRICI. How has your week been?
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Speaker 4: It's been good. I feel like I'm just kind of
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Speaker 4: plodding along. Nothing super exciting. What did I do? I
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Speaker 4: went to Pilate's Oh Big Doganaje queen us. Apart from that,
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Speaker 4: I don't think I did anything exciting at all. Really,
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Speaker 4: how about you own to Bali? Yeah, yeah, bolthers that.
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Speaker 2: Yeah, I went to Bali and then I came back
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Speaker 2: from Bali and now we're here. I didn't get Bali belly.
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Speaker 4: That's a win for you.
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Speaker 2: Honestly surprising given my ability to eat anything that's put
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Speaker 2: in front of me, Like you know, when they're like, oh,
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Speaker 2: don't eat this and don't eat that. If you're in Bali,
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Speaker 2: I'm like, it looks good though, probably gonna give it.
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Speaker 2: He a crack. So we did that. That's actually really
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Speaker 2: fun because it was for my best friend's wedding. We
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Speaker 2: had her wedding and also her hands party. I obviously
2:18
Speaker 2: haven't uploaded any wedding pictures yet. Because she hasn't uploaded
2:21
Speaker 2: any wedding pictures yet. Yeah, I feel like those are
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Speaker 2: the rules, Like you're not allowed to post pictures of
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Speaker 2: the bride and groom until the bride and groom have
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Speaker 2: posted pictures.
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Speaker 4: I see like it goes without saying it's just.
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Speaker 2: Seen pictures of her on the internet already. Am I
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Speaker 2: allowed to be salty about that or not. I'm not
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Speaker 2: my wedding, but like.
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Speaker 4: I wouldn't do it. But that's just me and we
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Speaker 4: all we all know how much I love to be
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Speaker 4: posting on my Instagram. True, I feel like the line
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Speaker 4: in the sand and the hands was Barbie theed it
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Speaker 4: makes Barbie week.
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Speaker 2: It is Barbie Week. We haven't even seen Barbie yet
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Speaker 2: because we haven't had time, but we're going as a
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Speaker 2: team very soon and I'm very excited about that.
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Speaker 4: You love to say it smashing all the records as
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Speaker 4: well well, like the highest grossing female directed movie. I
3:03
Speaker 4: feel like it's the highest grossing so far this year.
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Speaker 4: Wasn't it absolutely wild?
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Speaker 2: But I think my favorite thing coming out of the
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Speaker 2: Barbie movie, having not seen it yet, is it's being
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Speaker 2: slammed by a lot of American journalists and someone did
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Speaker 2: a little montage of pictures of those American journalists, and
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Speaker 2: all of them are beautiful blonde women, and I'm like,
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Speaker 2: the irony is not lost, Like you're slamming Barbie, yet
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Speaker 2: here you are.
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Speaker 4: Yeah, I feel like the people who are slamming Barbie
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Speaker 4: from what I've seen, not having seen the film yet,
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Speaker 4: it seems to be people who are taking it at
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Speaker 4: surface level and not really looking into how it relates
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Speaker 4: to the plight of women. And I've heard that it's
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Speaker 4: very clever, the way that they put it together and
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Speaker 4: the themes that they touch on and the way that
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Speaker 4: they explore them. And so I think my opinion, again
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Speaker 4: having not seen it, is.
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Speaker 2: Having not seen the movie, wait until we see it,
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Speaker 2: we're going to be so opinionated.
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Speaker 4: Come back next week with a full review for you.
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Speaker 4: But a lot of people that have seen complaining are
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Speaker 4: men or people who maybe you don't have a significant
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Speaker 4: amount of experience as a female in the world where
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Speaker 4: it's real bad patriarchy. So I'm very excited to see
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Speaker 4: how they pull it apart while keeping it kid friendly
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Speaker 4: as well.
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Speaker 2: I've seen this meme. I don't know if it's a meme.
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Speaker 2: It's just like a screenshot from Twitter, I believe, and
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Speaker 2: it's from someone called technically Ron and they said, I
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Speaker 2: took one star reviews from Barbie from furious men on letterbox,
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Speaker 2: which I'm assuming is just like a social media platform
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Speaker 2: in the US, and I put them on the Barbie
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Speaker 2: poster because it makes the film seem even cooler. You're
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Speaker 2: ready to hear some of their comments. Absolutely an alienating,
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Speaker 2: dangerous and perversive film that is a lot I want
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Speaker 2: to see it.
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Speaker 4: It was signed off on by a children's toy company.
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Speaker 4: How bad can it be?
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Speaker 2: I don't know. This one says the feminist agenda will
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Speaker 2: kill us all.
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Speaker 4: My god.
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Speaker 2: The next one, are you ready? Yeah, they won't be
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Speaker 2: happy until we're all gay.
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Speaker 4: It's the people just see this is the thing that
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Speaker 4: makes me really mad.
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Speaker 2: And my favorite, are you ready? It's a pink acid
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Speaker 2: trip that feels a lot like being slapped by lots
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Speaker 2: of confusingly attractive people.
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Speaker 4: I gotta love that.
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Speaker 2: I just want to see the movie even more now.
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Speaker 2: But that's apparently what some mediocre, middle aged white men
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Speaker 2: had to say about the Barbie film. And you know
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Speaker 2: what you're selling it to me, guys, You are absolutely
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Speaker 2: selling it to me.
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Speaker 4: I didn't need that one hundred and forty five million dollars.
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Speaker 4: I don't need it because you're doing it on the
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Speaker 4: internet for free, exactly.
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Speaker 2: And I just love how people are just not having it.
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Speaker 2: You know how sometimes people slam a movie and you're like, oh,
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Speaker 2: I don't know if I'll see that now everyone's going
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Speaker 2: on every negative review, I'm like, I needed to see
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Speaker 2: it more every positive review, I'm like, yes, queen, get it.
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Speaker 4: There's no looking.
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Speaker 2: You can't tell me that I don't want to see
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Speaker 2: this movie.
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Speaker 4: You can't stay tuned for she's on the movie review.
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Speaker 4: We'll come back to you next week.
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Speaker 2: Yeah, and we might have a real opinion about the
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Speaker 2: Barbie movie. You might have noticed that we are lacking
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Speaker 2: a beck today, Dad. She has hurt her neck coincidentally
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Speaker 2: on her birthday. I don't know. We'll have to call
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Speaker 2: her out next week.
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Speaker 4: Bad calma ah, sad, A little bit of a didn't
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Speaker 4: stick to work either way.
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Speaker 2: I don't know.
6:03
Speaker 4: We missed you back. Hope you feel better soon.
6:05
Speaker 2: We brought you or Jess brought you in flowers.
6:08
Speaker 4: We brought you flowers.
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Speaker 2: I mean I probably paid for them, but you remember
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Speaker 2: to pick them up Yeah, that's how this relationship works.
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Speaker 4: Let's fail over it.
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Speaker 2: I really appreciate it. But Beck is in here, and
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Speaker 2: to be honest, Jess and I could not do her
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Speaker 2: broke tips justice. So how might we dive straight into
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Speaker 2: your community wins? What have you pulled out this week?
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Speaker 2: My friend?
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Speaker 4: My first money when this week comes from Louise, who
6:28
Speaker 4: said I wanted a book that Amazon was going to
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Speaker 4: charge me a lot of money in postage, so I
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Speaker 4: checked out the local secondhand bookstore and save myself ten dollars.
6:37
Speaker 4: I forgot that second hand bookstores existed.
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Speaker 2: I did too it Salvos. No, Like, there are whole.
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Speaker 4: Entire stores that are just dedicated secondand bookstores. There's one
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Speaker 4: quite close to our studio. Really yeah, and they literally
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Speaker 4: un just.
6:54
Speaker 2: Full of She's on the Money books. Do you remember
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Speaker 2: the time someone sent us a picture of one of
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Speaker 2: our she on the Money tote bags?
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Speaker 4: Those sto bags are so good.
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Speaker 2: They sent us a picture of a tote bag from
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Speaker 2: She's on the Money in Salvos, and you know what
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Speaker 2: I was like, that's what I paid for it.
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Speaker 4: Yep, money win for someone out there. It's an excellent
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Speaker 4: tote bag. But yeah, good reminder to anyone who wants
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Speaker 4: to read a book secondhand bookstores. So good. My next
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Speaker 4: money win is from Amy, who said I finished the
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Speaker 4: investing shoes in the Money podcast episodes and have started investing.
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Speaker 4: Has cleared fifty dollars a week and other irregular payments
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Speaker 4: heaps as or when I can not much to start with,
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Speaker 4: but as a now single mum of five who took
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Speaker 4: a long time off work to look after my babies
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Speaker 4: when I was partnered, I'm excited to start investing for
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Speaker 4: my retirement.
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Speaker 2: What single mum of five investing fifty bucks a week huge?
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Speaker 2: I can't.
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Speaker 4: Amy, You're totally wrong. That's a huge amount.
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Speaker 2: I want to hear everybody else's excuses. Jessica, We're very
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Speaker 2: proud of you. I love this.
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Speaker 4: Next, I've got a money win from Melinda, who said
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Speaker 4: I wanted to buy new inserts for my ugs, and
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Speaker 4: a friend had some sheep skin and cut them for
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Speaker 4: me for free. And I included this so niche, and.
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Speaker 2: It's so niche. I didn't even know you could buy
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Speaker 2: inserts for us.
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Speaker 4: I was just gonna say it picked that one because
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Speaker 4: it has literally never occurred to me that you could
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Speaker 4: replace the inside of fluffy, because you know, fluffy slippers
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Speaker 4: ugs get a bit feral. They get real nasty after
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Speaker 4: a while, and then you go, oh, well, am I
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Speaker 4: going to throw them out because my feet?
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Speaker 2: No, I'm going to continue to wear them for the
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Speaker 2: next ten years.
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Speaker 4: Well no telling them no. So Melinda's Melinda's on the money,
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Speaker 4: Melinda place the lining.
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Speaker 2: Yes that I have questions. My little ADHD brain's like, well,
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Speaker 2: how did that come up in conversation with your friend?
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Speaker 2: Were you like, oh, what are you doing after this
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Speaker 2: coffee that we're having? Oh, I'm going shopping for ug inserts,
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Speaker 2: Oh babe, don't worry. I happen to have a supply
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Speaker 2: of sheepskin in my wardrobe. Like where did that come from?
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Speaker 4: I mean, if it works, it works right.
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Speaker 2: I don't want no one's arguing that one away for later?
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Speaker 4: What else have you got next? I have money win
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Speaker 4: from Kendall simple, but I kind of love it. Money
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Speaker 4: win my coals Click and collect substituted six hundred grams
8:57
Speaker 4: of chicken breasts, which is what I ordered for one
8:59
Speaker 4: point four killer of chicken instead got a lot of chicken.
9:04
Speaker 4: Do you tick substitute? Do you know how there's a
9:06
Speaker 4: button with do you just it's such a gamble because
9:09
Speaker 4: sometimes it's like this and you get pretty much what
9:11
Speaker 4: you wanted, but maybe a little better. And I remember
9:14
Speaker 4: once I ordered Pepsi Max because Max curly. Do you
9:18
Speaker 4: know what they gave me sprite?
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Speaker 2: Absolutely absolutely not. We had that the other day actually,
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Speaker 2: So one of my favorite ice creams is this like
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Speaker 2: coconut based vanilla ice cream, and there's not a lot
9:31
Speaker 2: of substitute, but on my app it automatically ticks substitute.
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Speaker 2: And the plan was to have it with apple crumble because,
9:38
Speaker 2: as you guys know, apple crumble is the og dessert.
9:41
Speaker 2: Won't hear about it from anywhere else. So want my
9:44
Speaker 2: vanilla ice cream with apple crumble? And they guess what
9:47
Speaker 2: they did? They substituted it same brand, technically still plant based,
9:52
Speaker 2: but choc mint ice cream is not good with a crumble.
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Speaker 2: So thanks for thinking of me and not giving me
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Speaker 2: an ice cream I won't eat. But also I did
10:02
Speaker 2: have to take myself to the shops.
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Speaker 4: It's so funny because sometimes they're bang on it and
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Speaker 4: sometimes you're like, where's your brain? Not even close, where's
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Speaker 4: your brain?
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Speaker 2: She wanted vanilla and you gave her shock mint a.
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Speaker 4: Bit of a fun gamble.
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Speaker 2: Why not.
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Speaker 4: My next money men comes from Christy who said I
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Speaker 4: got my weekly Marley Spoon box and they have given
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Speaker 4: me not one, but two freebies.
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Speaker 2: Yes they do that all the time.
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Speaker 4: One ready made sticky date pudding and one black rice
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Speaker 4: ready mix.
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Speaker 2: Who doesn't have a free.
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Speaker 4: To that it absolute me.
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Speaker 2: I did not get massive complaint to Marley Spoon. I
10:35
Speaker 2: didn't get free sticky date puddy. Oh and I work
10:37
Speaker 2: for you. You're not the favorite. I see how it is,
10:41
Speaker 2: but we will pop Victoria's code in the Marley Spoons
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Speaker 2: literally the best thing in the entire world. And I
10:47
Speaker 2: am working with them at the moment as like Amali ambassador,
10:50
Speaker 2: which is like my favorite job ever. But it's funny
10:53
Speaker 2: because people are like, oh, do you just eat their
10:55
Speaker 2: food because you know they're working with you. Mike Sis,
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Speaker 2: I've been posting on Instagram about Mars Spoons is like
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Speaker 2: twenty fifteen. I think they owe it to me now
11:03
Speaker 2: at this point, like I've worked for this ambassadorship.
11:06
Speaker 4: Well, like just put the girl on the rostashsh she's getting.
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Speaker 2: Really annoying, like she thinks she works here. You know
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Speaker 2: that person that's so obsessed with one brand. They're like,
11:16
Speaker 2: only wear that brand. That's me with.
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Speaker 4: Food amazing Maley. We love it. We love Maley. Big
11:21
Speaker 4: fans here. And then lastly, I have moneyment from Julia,
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Speaker 4: who said, although I needed the money from my freshly
11:27
Speaker 4: opened emergency fund for a small food shop and it's
11:29
Speaker 4: now back down to zero dollars, it was such a
11:32
Speaker 4: relief to have that money. I needed a side, and
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Speaker 4: I'm so proud that it was taken for an essential
11:37
Speaker 4: and not a want.
11:38
Speaker 2: I love it. I love it, Julia. That's such a
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Speaker 2: good habit, such a good habit, and it's just going
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Speaker 2: to grow from here on in because in another couple
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Speaker 2: of weeks you'll put that money back and then you
11:48
Speaker 2: won't need it in the same way that you needed
11:50
Speaker 2: it this time.
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Speaker 4: And I'm just built up.
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Speaker 2: I love it so much. All right, Jess, let's go
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Speaker 2: to a really quick break, because on the flip side,
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Speaker 2: I think we're going to get into the juicy conversation
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Speaker 2: of what's salary packaging actually means, And we're also going
12:01
Speaker 2: to be unpacking a question that you slid into our
12:03
Speaker 2: DMS about and we're going to be talking about whether
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Speaker 2: it's okay, or not to take a step back in
12:07
Speaker 2: your career to support your partner's goals. So don't go anywhere.
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Speaker 4: Welcome back, everybody. Let's take a listen to this week's
12:19
Speaker 4: money dilemma.
12:21
Speaker 2: Hi, there, have you got a money dilemma you just
12:24
Speaker 2: can't solve that. She's on the Money Team is here
12:26
Speaker 2: to help. Every week we tackle your dilemmas, both big
12:30
Speaker 2: and small, to answer your most burning money, career and
12:32
Speaker 2: life questions. To get involved, simply head to our website
12:36
Speaker 2: and leave us a short voice recording and you might
12:38
Speaker 2: just find yourself on the show. Now, let's take a
12:40
Speaker 2: listen to this week's money dilemma.
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Speaker 5: Hey, She's on the Money Team. Over the last few years,
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Speaker 5: I've been working in a role that was casual, and
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Speaker 5: now I've just been employed in a full time role
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Speaker 5: that pays an eighty five thousand dollars salary plus super
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Speaker 5: plus a work vehicle. I hear my coworkers talk a
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Speaker 5: lot about sal packaging, and I've got no idea what
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Speaker 5: this means. Can you break it down and explain what
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Speaker 5: it means and how it benefits employees? Love the show
13:07
Speaker 5: and thanks for answering.
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Speaker 4: Hello. My name is Victoria Devine and I'm gonna say,
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Speaker 4: go listen to the episode that we did on salary Packaging.
13:14
Speaker 4: I just want to I'm not obviously victory to fine
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Speaker 4: Case candelp. It's Jess. Yeah. Hello, I would just like
13:18
Speaker 4: to plug our archive because this podcast has been around
13:22
Speaker 4: for five years now. She's been around a while. She's
13:26
Speaker 4: been around the block once or twice. Remember when we
13:27
Speaker 4: thought we were all young, I mean we're still fresh,
13:30
Speaker 4: baby faced.
13:31
Speaker 2: However, that's my botox.
13:32
Speaker 4: We've covered many a episode on this podcast. And did
13:36
Speaker 4: you know you can go on Apple Podcasts or Spotify
13:38
Speaker 4: or wherever you like to get your podcasts from. And
13:42
Speaker 4: if you go to the page if She's on the Money,
13:44
Speaker 4: you can actually search keywords.
13:46
Speaker 2: Yeah, like you can type in salary packaging and then
13:48
Speaker 2: what would happen, Jess?
13:49
Speaker 4: You would see an episode from the seventh of April
13:51
Speaker 4: twenty twenty one. What's it called nice in brackets? Salary package?
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Speaker 2: Ay? I feel like you might have had something to
13:59
Speaker 2: do with.
13:59
Speaker 4: That excellent name. But do you want to give us
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Speaker 4: a little quick, cheeky rundown just to make it easy
14:05
Speaker 4: for everyone?
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Speaker 2: Lit? I do, and I think it's a really important
14:07
Speaker 2: thing to talk about, especially when you start to get
14:10
Speaker 2: to those higher salary bands where you're like, oh, like
14:13
Speaker 2: tax is starting to bite me in the bottom a
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Speaker 2: little bit, because tax is a lot, and salary packaging
14:20
Speaker 2: is essentially a way that you can sort of bring
14:23
Speaker 2: down your taxable income in a way. So salary packaging
14:27
Speaker 2: is when your employer packages your salary into income and benefits.
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Speaker 2: And that's what salary packaging is known as. And you
14:35
Speaker 2: can do heaps of different things here. So essentially, salary
14:38
Speaker 2: packaging is when you were arranged to receive less income tax.
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Speaker 2: So let's just use you as an example, Jess, I
14:44
Speaker 2: would pay you less, but you would get a benefit
14:47
Speaker 2: that is paid for by my company. So instead of
14:52
Speaker 2: the tax rate applying to you, which you know would
14:56
Speaker 2: probably be thirty two point five cents in, every single
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Speaker 2: dollar gets packaged up and the benefit comes out of
15:02
Speaker 2: your pre tax salary, which is kind of sexy because
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Speaker 2: you're thirty two point five percent better off in this
15:07
Speaker 2: particular circumstance. So you could package up things like a car,
15:12
Speaker 2: or you could do your mobile phone, or you could
15:14
Speaker 2: do you know, a heap of different things that are
15:17
Speaker 2: related to your job or are something that might benefit you.
15:21
Speaker 2: So I know that in a lot of circumstances, people
15:25
Speaker 2: want a salary package they rent, which is possible. That's
15:28
Speaker 2: kind of sexy, thirty two point five percent better off.
15:31
Speaker 2: I'm going to try that. People might want a salary
15:34
Speaker 2: sacrifice childcare, or you might actually want to do this
15:37
Speaker 2: for supranuation. Obviously, the superannuation system is a little bit different,
15:41
Speaker 2: but it's still salary packaging. So the important thing is
15:44
Speaker 2: that most employers will offer salary sacrifice to super, but
15:49
Speaker 2: most will actually restrict the benefits of salary packaging in
15:53
Speaker 2: general because it is a lot of admin like it's
15:56
Speaker 2: quite hard to keep track of as a small business,
15:58
Speaker 2: so it's not in their best in try to do that.
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Speaker 2: So salary packaging can fall into three different categories. So
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Speaker 2: we've got fringe benefits, we've got exempt benefits, and supranuation.
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Speaker 2: So we discussed supranuation already. That's where you sacrifice some
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Speaker 2: of your pre tax income to supranuation to put it
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Speaker 2: away for your future retirement. There is a different tax
16:18
Speaker 2: system inside super which is going to tax that contribution
16:22
Speaker 2: at fifteen cents in the dollar. But when you are
16:26
Speaker 2: at a normal salary band, like thirty two point five
16:29
Speaker 2: cents in every dollar. You're clearly more than fifteen percent
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Speaker 2: better off. So that's kind of sexy, right, love it.
16:35
Speaker 2: The other one is fringe benefits. So fringe benefits can
16:39
Speaker 2: include things like salary sacrificing for a car, could be
16:42
Speaker 2: health insurance, it could be loans usually for a car,
16:46
Speaker 2: school fees, childcare fees, or other personal expenses, and your
16:50
Speaker 2: employer is going to pay what's called FBT or fringe
16:54
Speaker 2: benefit tax on these benefits. That is a completely different
16:58
Speaker 2: set of benefits compared to exempt benefits. So an exempt
17:02
Speaker 2: benefit to go through that really quickly is things like
17:05
Speaker 2: portable electronic devices like phones and laptops, computer software, protective clothing,
17:10
Speaker 2: tools of the trade, and your employer doesn't have to
17:13
Speaker 2: pay fringe benefit tax on that. And that's because it's
17:16
Speaker 2: usually related to your employment. And so there's lots of
17:20
Speaker 2: different ways of doing this, and I mean, I'm getting
17:22
Speaker 2: pretty into it. Go listen to the episode. We cover
17:25
Speaker 2: all of it. And as much as it was done
17:27
Speaker 2: a couple of years ago, FBT and salary packaging hasn't
17:30
Speaker 2: changed significantly. I just think the most important thing to
17:33
Speaker 2: think about is it's not free money. I know that
17:37
Speaker 2: it sounds really sexy, and if you're going to get
17:39
Speaker 2: a car, of course, if salary packaging is available, that's
17:43
Speaker 2: something you should consider. However, I do think a lot
17:46
Speaker 2: of people use their salary packaging kind of just as
17:49
Speaker 2: as an excuse to overspend in areas that they wouldn't
17:53
Speaker 2: have if the money was in their bank account. So like,
17:55
Speaker 2: if you're salary packaging food and entertainment, that food and
17:59
Speaker 2: entertain allowance actually can't be spent on groceries. It actually
18:03
Speaker 2: has to be spent on dining out. Yeah, and therefore
18:06
Speaker 2: you're maybe dining out a lot more than what you
18:08
Speaker 2: would have dined out had that money been in your
18:10
Speaker 2: account and been allocated to another goal or expense. So
18:14
Speaker 2: I think it's just so important to think about, well,
18:16
Speaker 2: how is this going to serve me? Because I mean,
18:18
Speaker 2: if you are needing to buy a new family car,
18:21
Speaker 2: well then maybe that is a good idea to save
18:24
Speaker 2: some tax and you know, put yourself in the best
18:26
Speaker 2: possible position. However, we've got to make sure that we're
18:29
Speaker 2: not then overspending on the car just because you go,
18:32
Speaker 2: oh but it's much cheaper now.
18:34
Speaker 4: Yeah, you feel like you've got all this extra money
18:36
Speaker 4: when it's still money that.
18:37
Speaker 2: No, we should be making the most of it. And
18:39
Speaker 2: I think the other thing when it comes to salary
18:42
Speaker 2: packaging is how committed you are to your employer. I
18:45
Speaker 2: know that sounds really negative, but like Jess, if you
18:48
Speaker 2: weren't planning on sticking around, that's a really big I
18:51
Speaker 2: guess salary responsibility that you have with me that you
18:55
Speaker 2: know a new employer might not immediately pick up on
18:59
Speaker 2: and needs to be taken into consideration. So if you're
19:01
Speaker 2: doing something like an ovated lease, which again is different
19:04
Speaker 2: but often falls into the same conversation bucket, that might
19:08
Speaker 2: mean that you have to get rid of your car
19:09
Speaker 2: when you get a new job, and if you're not
19:11
Speaker 2: planning on staying with that employee long term, or maybe
19:14
Speaker 2: let's rethink how that might work structurally. So I think
19:17
Speaker 2: there's a lot to consider. But essentially, salary packaging is
19:20
Speaker 2: where you sacrifice part of your salary to reduce your
19:24
Speaker 2: tax and that kind of sounds sexy if used in
19:28
Speaker 2: the best possible way, But as I said, a lot
19:31
Speaker 2: of people use it in a way that kind of
19:34
Speaker 2: gives them permission to overspend in a way that they
19:36
Speaker 2: wouldn't have if I had put that cash in front
19:38
Speaker 2: of you, Jess, we.
19:39
Speaker 4: Do not support that here.
19:40
Speaker 2: No, I think it's about making the most of it. Like,
19:42
Speaker 2: if you've got access to salary packaging, my friend, get
19:45
Speaker 2: it quan exciting, especially if that is in your budget.
19:48
Speaker 2: Like if you've gone and done your ses on the
19:50
Speaker 2: money budget and casually plan and you know that each
19:52
Speaker 2: and every single month you spend X on dining out, well,
19:56
Speaker 2: why not pull that budget straight into salary packaging so
19:59
Speaker 2: it can make sense if you can do the same
20:01
Speaker 2: for rent, talk to your employer about it. These are
20:04
Speaker 2: things that could potentially put you in a better financial position.
20:08
Speaker 2: I just don't want to see the system not abused.
20:10
Speaker 2: But you know what I mean, I just don't want
20:12
Speaker 2: people taking it and going, oh, it's free money because
20:15
Speaker 2: it's tax free. I feel like the second you say
20:17
Speaker 2: tax free or tax refund, people assume that they didn't
20:20
Speaker 2: work for that money, and that's not the case.
20:22
Speaker 4: Oh that's super interesting. And definitely go back and listen
20:24
Speaker 4: to that episode that you guys did a little while ago,
20:26
Speaker 4: because I feel like it got into the nitty gritty
20:29
Speaker 4: of it, because there is a lot to unpack there,
20:31
Speaker 4: but not to scooch it along.
20:33
Speaker 2: I'm wanting to scooch it along because if anyone loves
20:36
Speaker 2: the drummer, it's msscrich absolutely.
20:38
Speaker 4: And I feel like this week's question is such a
20:39
Speaker 4: good one.
20:40
Speaker 2: All right, all right, so this week's community dilemma, let's go.
20:43
Speaker 2: This week, we got a message and it went like this,
20:46
Speaker 2: Hey girl, is a bit of a sticky one. My
20:48
Speaker 2: partner has been offered a really amazing opportunity to partly
20:52
Speaker 2: own a business into state, which would really set us
20:55
Speaker 2: up financially. But it's in a remote town. I currently
20:58
Speaker 2: work as a makeup artist and I have a really
21:00
Speaker 2: good client base where I am, so I'm having a
21:02
Speaker 2: hard time taking steps back in my career for him,
21:06
Speaker 2: even though it would be a great financial opportunity. I'm
21:10
Speaker 2: just not sure how should I approach this.
21:13
Speaker 4: I feel people are going to have very different opinions
21:16
Speaker 4: on this, and it's really hard because I think you
21:20
Speaker 4: look at it and you go, Okay, when you're in
21:22
Speaker 4: a partnership with somebody, you obviously hope for their success,
21:25
Speaker 4: You want them to do well, you want them to thrive.
21:27
Speaker 4: You want to do whatever you can to support that.
21:29
Speaker 4: But it's a big ask of anybody to pick up
21:33
Speaker 4: their life and move. And I would say the same
21:35
Speaker 4: if it was the other way around, if she had
21:37
Speaker 4: the opportunity and she was asking a partner to move.
21:39
Speaker 4: I think, regardless, it's a lot to leave behind. Firstly,
21:43
Speaker 4: her career. It sounds like her existing client base, all
21:46
Speaker 4: of the work that she's done to maybe build up
21:47
Speaker 4: her personal brand in the area, and the connections that
21:50
Speaker 4: she's got. If she's moving somewhere remote, I'm imagining perhaps
21:54
Speaker 4: there may not be as many opportunities to do that
21:56
Speaker 4: kind of work, depending on just how big or small
21:59
Speaker 4: the town is. And then you're also moving away from
22:01
Speaker 4: your support network, your friends, your family, your favorite coffee shop.
22:05
Speaker 2: That's important.
22:06
Speaker 4: It's very important. And I just feel like it's I
22:10
Speaker 4: can understand why she's a little bit unsure, but then
22:15
Speaker 4: I can also understand how that might make her feel
22:17
Speaker 4: guilty because she feels like, oh, well, I'm not supporting
22:20
Speaker 4: them in the way that I'm short or in the
22:22
Speaker 4: way that I would want to be supported. So it
22:23
Speaker 4: is it is really a sticky one, isn't it.
22:25
Speaker 2: I find it really hard because I think in theory,
22:29
Speaker 2: you go, oh, my gosh, let's support our partner and
22:33
Speaker 2: if Steve needed to do anything for his career, I
22:36
Speaker 2: would try my hardest to make sure that he was
22:38
Speaker 2: as well supported as possible. However, it's well, what does
22:43
Speaker 2: day to day look like? You're moving to a remote location.
22:47
Speaker 2: What's the expectation of you? So are you just staying
22:51
Speaker 2: at home while he goes and makes heaps of money
22:53
Speaker 2: And that's really good, But you don't have a social life,
22:56
Speaker 2: you don't have a job that's probably going to lead
22:59
Speaker 2: to you you feeling pretty flat. Are you expected to
23:02
Speaker 2: go and get a completely different career because unfortunately, you know,
23:06
Speaker 2: let's pretend you're moving to KARTHA makeup artist is probably
23:10
Speaker 2: not needed up near the mines, right, It's not something
23:13
Speaker 2: that there is a lot of demand for. And that's
23:15
Speaker 2: so fine, But would there be the expectation that you
23:18
Speaker 2: get a job, you know, at the local shops. If so,
23:22
Speaker 2: how is that going to nor issue? Are you going
23:24
Speaker 2: to feel empowered and engaged in the same way that
23:26
Speaker 2: you are feeling that way in your current job? And
23:29
Speaker 2: I think that there's just a lot to take into consideration.
23:32
Speaker 2: And I think the tone of this message really beautiful,
23:36
Speaker 2: Like I love that you want to support your partner.
23:39
Speaker 2: I really really do. But when we talk about you know,
23:42
Speaker 2: there's this opportunity to partly own a business interstate stunning,
23:47
Speaker 2: but it was the financial driver, Like, is there the
23:50
Speaker 2: opportunity for him to maybe start a bit earlier on,
23:53
Speaker 2: maybe not step into a pre established business, but if
23:56
Speaker 2: he's super passionate about that, could he do that somewhere else.
24:00
Speaker 2: As much as this is a money podcast, money isn't
24:03
Speaker 2: absolutely everything. We need to find that balance of well,
24:06
Speaker 2: what's going to work for us? Like if you took
24:09
Speaker 2: me out of the city, I wouldn't have a purpose.
24:12
Speaker 2: I'd be very upset, not at my partner. I just
24:15
Speaker 2: wouldn't have a lot to do. So I feel like
24:18
Speaker 2: it's really important to think about, well, what does your
24:20
Speaker 2: current lifestyle look like? You're right, Jess, what if your
24:23
Speaker 2: lifestyle involves getting up every single morning going for coffee
24:27
Speaker 2: and you know, maybe you and your partner have worked
24:28
Speaker 2: out that that's okay to have that level of compromise,
24:32
Speaker 2: But what level of compromise are you willing to take
24:34
Speaker 2: on in order for them to thrive? And if that's
24:39
Speaker 2: the case, do you both need to go Yeah, Like
24:42
Speaker 2: I am a very big believer in, you know, just
24:46
Speaker 2: making things work and not everything is super easy always.
24:49
Speaker 2: But maybe you kind of do a five FO thing
24:51
Speaker 2: where you are a makeup artist and you only have
24:54
Speaker 2: set days that you might work and you go and
24:57
Speaker 2: do the remote stuff with your partner for a week
24:59
Speaker 2: on and off. Like, I don't know how that could work, Yeah,
25:02
Speaker 2: but there might be a way of still keeping a
25:04
Speaker 2: foot in the door and staying engaged in your current
25:07
Speaker 2: career while still supporting your partner to maybe do this
25:11
Speaker 2: because who knows if it's going to work out. What
25:13
Speaker 2: if he gets there and he's like, this is the
25:15
Speaker 2: worst thing I've ever done.
25:16
Speaker 4: Yeah, and it's kind of how do you feel about them?
25:21
Speaker 4: Like outside of his opportunity, would you be excited about
25:24
Speaker 4: the move? I feel like that's how I would look
25:26
Speaker 4: at it. Is if he wasn't going to get heaps
25:27
Speaker 4: of money from this new job in this new state
25:30
Speaker 4: and he said, hey, why don't we move to Karfa
25:33
Speaker 4: or wherever it is.
25:34
Speaker 2: I fix like somewhere that I knew were super remote.
25:37
Speaker 4: I literally never heard of it. So well done, You're.
25:38
Speaker 2: Welco there you go. It's not in Perth, it's in
25:42
Speaker 2: Western Australia. You know, would you be excited about the
25:45
Speaker 2: opportunity to move there?
25:46
Speaker 4: Would you feel like you have different options or plans
25:49
Speaker 4: or routes that you could take if you're there? And
25:52
Speaker 4: if not, then, as you said, like what compromises can
25:55
Speaker 4: you make around that? It's a real pickle because I
25:59
Speaker 4: think you know, you want to do everything you can
26:01
Speaker 4: for the person that you love, and I totally understand
26:03
Speaker 4: and respect that. But at this on the flip side
26:06
Speaker 4: of that, I guess if he loves and respects you,
26:07
Speaker 4: he also maybe he.
26:09
Speaker 2: Should take that into consideration too, a way, the pros
26:12
Speaker 2: and the concept.
26:13
Speaker 4: Yeah, see it sounds like you have to have a
26:14
Speaker 4: big conversation. Obviously, we don't have a huge amount of
26:17
Speaker 4: information in this little note that we got telling us
26:20
Speaker 4: all of the context. But I kind of say, both sides,
26:23
Speaker 4: I don't I don't fully know where I sit.
26:25
Speaker 2: Have you ever had this hypothetical conversation with your partner,
26:29
Speaker 2: like what if you wanted to move to London?
26:31
Speaker 4: Or is that just me?
26:32
Speaker 2: Nah who just like makes up really random situations in
26:36
Speaker 2: my head? Still love me? If I'm an egg.
26:40
Speaker 4: If I was a worm, would you treat me the same,
26:42
Speaker 4: would you still think I'm pretty that's me?
26:44
Speaker 2: But have you not spoken to your partner about like
26:47
Speaker 2: moving overseas? Not really really nice?
26:50
Speaker 4: But for us, it's not really something that's on either
26:52
Speaker 4: of our radars. I think we're both really comfortable in
26:54
Speaker 4: our careers how they're progressing right now where we are. Yeah,
26:58
Speaker 4: maybe that's on us. Maybe that's a conversation we should
27:00
Speaker 4: have had and we haven't.
27:01
Speaker 2: Ah, So I have had that conversation and it was
27:04
Speaker 2: instigated by getting pets.
27:06
Speaker 4: Yeah.
27:06
Speaker 2: So, like I already had a cat, and I am
27:08
Speaker 2: definitely a homebody. Like I have lived overseas for a
27:12
Speaker 2: short period of time but didn't love it because I'm
27:16
Speaker 2: such a homebody. Wanted to be in my own space
27:18
Speaker 2: and like I need to be close to my friends
27:20
Speaker 2: and my family, Like I just I'm gonna be boring Jess. So,
27:24
Speaker 2: I remember when my partner and I were talking about
27:26
Speaker 2: getting another cat. I was like, do you want to
27:28
Speaker 2: move to London? He was like wait what? I was like,
27:30
Speaker 2: do you want to move to London?
27:31
Speaker 4: Like?
27:32
Speaker 2: And he was like, no, where do you put London from?
27:35
Speaker 2: I don't know. I think everybody who moves overseas is
27:40
Speaker 2: going to live in London.
27:41
Speaker 4: You know what now that you say that, a lot
27:42
Speaker 4: of people have I.
27:43
Speaker 2: Feel like, if you're going to go work overseas, like
27:46
Speaker 2: you're not going on a holiday, it's easy londyar And yeah,
27:49
Speaker 2: I feel like anyway, that's me stereotyping. But I remember
27:53
Speaker 2: going would you ever move to London? And he was
27:55
Speaker 2: like no? And I was like, would you move to Singapore?
27:57
Speaker 4: No?
27:58
Speaker 2: Would you move to Sydney? And he's like, only if
28:01
Speaker 2: there was a really good career opportunity or you got
28:03
Speaker 2: a really good career opportunity.
28:04
Speaker 4: And I was like who, No good answer.
28:07
Speaker 2: So I think it was a good conversation to have
28:10
Speaker 2: because you know, obviously pets came into it, and I
28:13
Speaker 2: can't like I'm not the type of person that's like,
28:15
Speaker 2: oh well, if the opportunity came up, I'd get rid
28:17
Speaker 2: of my pets.
28:18
Speaker 4: I'd say bring it back around. What was the pet thing?
28:20
Speaker 1: Is that?
28:20
Speaker 4: Oh, if we move to London, what do we do
28:21
Speaker 4: with the end? Yeah?
28:22
Speaker 2: Because like I had Bailey, so I had my own
28:25
Speaker 2: cat and I am a lot in a relationship. But
28:29
Speaker 2: when we moved in together, I said, Bailey is my cat.
28:32
Speaker 2: I've had him for five years or whatever it is.
28:34
Speaker 2: Before we got together. If we break up for any reason,
28:37
Speaker 2: that's my cat. That's not your responsibility, like one hundred
28:40
Speaker 2: percent mine. But when we got pets together, we got Henry,
28:44
Speaker 2: our other cat. I was like, hold up, whose responsibility
28:47
Speaker 2: is this? Yeah, like, I'm I think just a financial
28:51
Speaker 2: ex financial planner at heart. So I was like, well,
28:54
Speaker 2: who's financial responsibility will this speak? Are you going to
28:57
Speaker 2: take the cat? Am I going to take the cat?
28:59
Speaker 2: And like, we both people, So he was like, well
29:01
Speaker 2: you don't get both of them. I was like, yes,
29:03
Speaker 2: but are you going to separate them?
29:04
Speaker 4: Cruel?
29:05
Speaker 2: I know right anyway, So we had all of this
29:07
Speaker 2: conversation and there was that discussion of would you move
29:11
Speaker 2: for an amazing opportunity and we both kind of said, look,
29:15
Speaker 2: it would have to be a life changing opportunity to
29:18
Speaker 2: even consider it, because I feel like getting pets and
29:21
Speaker 2: talking about home ownership is really putting roots down in
29:24
Speaker 2: a way that we hadn't before. But I think if
29:27
Speaker 2: we had been twenty two and didn't have pets, maybe
29:31
Speaker 2: we would have jumped at it. So I think it's
29:33
Speaker 2: just such a sticky situation because it's going to be
29:35
Speaker 2: different for absolutely everybody.
29:37
Speaker 4: I completely agree. What did everybody else kind of think?
29:39
Speaker 4: Because we're both fence sitting right now, which is very
29:41
Speaker 4: unlike us.
29:42
Speaker 2: I feel like I want to know way more about
29:44
Speaker 2: your relationship. And I feel a little bit apprehensive because
29:47
Speaker 2: you've said remote location and you've said you're a makeup artist,
29:50
Speaker 2: which I feel like is something that is in lower
29:53
Speaker 2: demand in remote locations. And I just go, if re
29:56
Speaker 2: makeup artists, I know, super passionate son, you imagine taking
30:00
Speaker 2: like our friend Hillary out of the makeup world, no
30:04
Speaker 2: right at all. She'd just be so flat, like that's
30:07
Speaker 2: her entire So I just feel like you're so passionate
30:10
Speaker 2: about what you do that maybe you need the passion anyway.
30:13
Speaker 2: So someone said, my husband has just taken a step
30:15
Speaker 2: back to help my career, soor I would do the
30:17
Speaker 2: same thing for him. Someone said, you really need to
30:20
Speaker 2: elaborate on the word partner for example, boyfriend or husband.
30:24
Speaker 2: I don't think so.
30:25
Speaker 4: I think it's a bit old school.
30:27
Speaker 2: I agree, what if.
30:28
Speaker 4: They don't get married, my sister in law, why do
30:30
Speaker 4: you have to get married together forever? They have two kids,
30:32
Speaker 4: they're not married, they have no plans to be married.
30:34
Speaker 2: Yeah, amen. I don't think that it matters how you
30:36
Speaker 2: define it. I think it matters whether you define your
30:39
Speaker 2: relationship as ongoing or not.
30:41
Speaker 1: Though.
30:42
Speaker 2: Yeah, so like, is this just like? I think the
30:44
Speaker 2: question maybe is is this just like a boyfriend thing,
30:47
Speaker 2: like someone you're just seeing versus like a potential life Yeah,
30:50
Speaker 2: but I'm also cut and dry. Don't live with someone
30:52
Speaker 2: you don't plan on marrying, or like not marrying, but
30:55
Speaker 2: don't plan on staying with Yeah, Like, otherwise you're wasting
30:57
Speaker 2: your time and you're wasting theirs by AHD White, Black
31:01
Speaker 2: and White. Someone else said, what are your current goals
31:04
Speaker 2: and values? Would this move support this?
31:06
Speaker 4: Great classic VD answer?
31:08
Speaker 2: Someone said, you need to talk to your partner about it,
31:10
Speaker 2: thanks rastus. Someone else said, trial long distance for a
31:14
Speaker 2: little bit and see if he actually likes it. If
31:16
Speaker 2: he does, then revisit the conversation.
31:18
Speaker 4: That's a good idea. I like that.
31:20
Speaker 2: Someone said, oh man, this one needs a million percent
31:23
Speaker 2: more information.
31:24
Speaker 4: Agreed.
31:24
Speaker 3: Yeah.
31:25
Speaker 2: Someone else said, does he have to move to run
31:28
Speaker 2: the business? Can you live apart for one year to
31:30
Speaker 2: set yourselves up? Someone else said, Northern Territory resident here,
31:34
Speaker 2: you also need to think about all the hidden costs
31:37
Speaker 2: of living remote and not just getting financial benefit, which
31:41
Speaker 2: is true. Everything's more expensive living remote.
31:43
Speaker 4: No, so might eat away at the potential larger benefits.
31:46
Speaker 2: Yeah, someone else is on the same page as me,
31:48
Speaker 2: and they said, could she split her weeks between the
31:51
Speaker 2: different locations.
31:53
Speaker 4: It's a big thing for someone to take on as
31:54
Speaker 4: well though, like just even the mental load, but also financially.
31:59
Speaker 2: What now you have two houses?
32:00
Speaker 4: Yeah, flights every couple weeks or every month.
32:04
Speaker 2: Someone said, can't you work out a way to do both?
32:07
Speaker 2: Could you maybe do a fly and fly out type
32:09
Speaker 2: of thing. So I think everyone's trying to just make
32:11
Speaker 2: everything happen all at one time. Yeah, I get it.
32:13
Speaker 2: Someone said, consider your happiness and career in this decision.
32:17
Speaker 2: You worked really hard to build your current business. You
32:20
Speaker 2: don't necessarily need to put his first. And I think
32:23
Speaker 2: that's good. Someone else said, I'd go for it. She
32:26
Speaker 2: could set up in the next big town over if
32:29
Speaker 2: there is one.
32:30
Speaker 4: And that's a good point, like you don't have to
32:32
Speaker 4: work immediately close to home if there's if Maybe that
32:34
Speaker 4: is a good compromise. Maybe, Oh, I'm happy to drive
32:37
Speaker 4: an hour or half an hour because that would be
32:39
Speaker 4: a commute for me normally if you can find somewhere
32:42
Speaker 4: close by.
32:42
Speaker 3: Yeah.
32:43
Speaker 2: Someone also said I recently did it. The savings are
32:45
Speaker 2: actually epic. Remote people love welcoming new people with skills.
32:50
Speaker 4: That isn't clearly the opposite of I just that's why
32:54
Speaker 4: this conversation is so hard, Yes, because it's like I
32:57
Speaker 4: think the where and the house?
32:58
Speaker 2: Yeah, And I think at the crack of this conversation,
33:01
Speaker 2: what I would love to think is, regardless of what
33:04
Speaker 2: our opinion is, my opinion now think about all of
33:07
Speaker 2: this is I hope that you both have been able
33:11
Speaker 2: to sit down and look at the pros and cons
33:13
Speaker 2: for each person and have a very empathetic conversation where
33:17
Speaker 2: your partner can put themselves in your shoes and vice versa,
33:21
Speaker 2: because I think that sometimes in these conversations, one party
33:25
Speaker 2: gets this epic opportunity and it's the best thing ever,
33:28
Speaker 2: and they look at their partner and go, butes, why
33:30
Speaker 2: don't you letting me do this? Like this is going
33:32
Speaker 2: to change our lives without seeing that maybe there's compromise,
33:37
Speaker 2: and every relationship has compromise in it, Like it's not
33:40
Speaker 2: one hundred percent you and it's not one hundred percent them.
33:43
Speaker 2: So you need to come to a resolution that works
33:45
Speaker 2: for both of you. But the best way to do
33:47
Speaker 2: that is to have a conversation that not necessarily looks
33:50
Speaker 2: at what their perfect outcome is, but well, what is
33:53
Speaker 2: the opportunity on the table? How do we look at
33:55
Speaker 2: this pragmatically and go all right, well, what is the
33:58
Speaker 2: benefit of doing this? What is the benefit of staying here?
34:00
Speaker 2: What would our lives look like if we went down
34:02
Speaker 2: this pathway versus that pathway? And I think that you
34:05
Speaker 2: need to have that holistic conversation and try and take
34:09
Speaker 2: your personal opinions out of it. While you have that
34:12
Speaker 2: to then go all right, well, now, personal opinions, what
34:15
Speaker 2: do you want to do? What are you most drawn to?
34:18
Speaker 2: Because I would be most upset if I knew that
34:21
Speaker 2: they were just driving it because they really wanted to
34:23
Speaker 2: do it, but hadn't really thought about your happiness.
34:25
Speaker 4: Yeah, approaching with empathy and kindness and a little bit
34:29
Speaker 4: of practicality.
34:30
Speaker 2: I agree, I agreed. I think that's all we have
34:32
Speaker 2: time for today, is just gricci.
34:34
Speaker 4: I think so too. We'll be back next.
34:36
Speaker 2: Week with Beck, but until then, have the best weekend
34:38
Speaker 2: and we'll see you a Monday for a Money Diary.
34:41
Speaker 4: Bye.
34:48
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34:50
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