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MONEY DIARIES: No uni degree, and $212k · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:27
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 0:29
  Speaker 2: for millennials who want financial freedom. My name is Tony Lodge,
• 0:34
  Speaker 2: and joining me for another shot back money Diary is
• 0:36
  Speaker 2: Miss Victoria Devine.
• 0:38
  Speaker 3: Hello, fancy pants, fancy girls. How are you? I'm good?
• 0:42
  Speaker 3: How are you? I'm really excited about this money Diary
• 0:44
  Speaker 3: because you keep like it's like baiting me at which
• 0:47
  Speaker 3: I do every week. Yeah, and I say to you,
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  Speaker 3: this isn't.
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  Speaker 2: Really good every time, but they're always good. And we
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  Speaker 2: love chatting to our friends from the community.
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  Speaker 3: So are you ready? Let's jump into it. Can you
• 0:58
  Speaker 3: read the email out?
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  Speaker 2: Hey, She's on the Money. Team. After listening to and
• 1:02
  Speaker 2: loving your podcast episode on variable income, I knew I
• 1:06
  Speaker 2: had to ride in. I've been a real estate agent
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  Speaker 2: for seven years and over two thirds of my income
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  Speaker 2: comes from commissions.
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  Speaker 3: Oh they can make bang.
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  Speaker 2: Yeah I think that, Miss Wonders, Oh tell me more.
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  Speaker 2: As my income grew and continues to grow each year,
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  Speaker 2: I knew I had to get a budget and finance
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  Speaker 2: system in place to achieve my goals and aspirations without
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  Speaker 2: letting lifestyle creep take over. My partner is a carpenter
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  Speaker 2: slash earth mover, a sole trader, so his income is
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  Speaker 2: completely variable as well. It's something as a couple we
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  Speaker 2: speak about often, and over the last twelve months feel
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  Speaker 2: like we've finally got a system in place that's really working.
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  Speaker 2: Oh and I love this little side note at the
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  Speaker 2: very bottom of the EMA. Oh and I'm also a
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  Speaker 2: high income earner one hundred and fifty k plus with
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  Speaker 2: no UNI degree.
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  Speaker 3: Oh my gosh, that's my favorite thing. Uh huh, no
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  Speaker 3: UNI degree. Oh you're making bank sweet, No you need degree, sweeter.
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  Speaker 4: Uh huh.
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  Speaker 2: Can't wait to ask the question about if she's got
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  Speaker 2: any debts. She's on the line.
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  Speaker 3: Yeah, as always sitting there in the background, awkwardly listening
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  Speaker 3: to us retail about Hello, money direst, how are you good?
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  Speaker 5: Thanks, ladies, how are you going?
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  Speaker 3: We are excited or I am now excited about this?
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  Speaker 3: Told you it was a good I've got a lot
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  Speaker 3: of questions, scripted.
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  Speaker 2: Scripted questions, first of the fun ones after yes, are
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  Speaker 2: you ready to jump straight in?
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  Speaker 5: Absolutely, let's do it.
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  Speaker 3: Money diarist, can you tell me what your attitude towards
• 2:36
  Speaker 3: money is.
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  Speaker 5: Currently and probably for the last two years. My attitude
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  Speaker 5: towards money is really good. It's really healthy. It's something
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  Speaker 5: that I give a lot of thought to and not
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  Speaker 5: a lot of thoughts to at the same time, in
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  Speaker 5: that I don't live week to week. I'm not stressed
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  Speaker 5: about bills. I'm not stressed about money, but I definitely
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  Speaker 5: give a lot of thoughts of what it can do
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  Speaker 5: for me now and in the future. Previous to that,
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  Speaker 5: and especially with the industry that I'm in, I was
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  Speaker 5: definitely guilty of going through a few years of you know,
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  Speaker 5: trying to keep up with the joneses or you know,
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  Speaker 5: having issues in previous relationships when it came to finances.
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  Speaker 5: But yeah, right now and for the last two years,
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  Speaker 5: in a really healthy and positive position.
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  Speaker 3: Yeah, that's very cool. I love hearing that.
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  Speaker 2: You're also just so clued up about your position, you know,
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  Speaker 2: and even in your email you said, oh, yeah, my
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  Speaker 2: partner and I we always talk about our finances and
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  Speaker 2: all of that. I just think that's really really cool,
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  Speaker 2: because not a lot of people in that position where
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  Speaker 2: they feel so comfortable, especially when you're talking about not
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  Speaker 2: only a variable income, but a high variable income, can
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  Speaker 2: affect the way that people you trust other people in
• 3:48
  Speaker 2: their life and things like that too.
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  Speaker 5: Yeah, definitely, yeah, and it takes a bit of time,
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  Speaker 5: I think to get to that point initially, and not
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  Speaker 5: just with him but with friends and family as well.
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  Speaker 5: But a bit similar to the podcast, think, the more
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  Speaker 5: open you can be about it, it can definitely help
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  Speaker 5: everyone else around you too. And I think I'm that
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  Speaker 5: person for a lot of people in my network now
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  Speaker 5: as well.
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  Speaker 3: It's cool, yeah, money coaches, Yeah, network. I love that
• 4:15
  Speaker 3: you can create an MLM. Let's get back question, So
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  Speaker 3: can you tell us what you do for work and
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  Speaker 3: how much money you weren't we heard in the email,
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  Speaker 3: but like I want the nitty gritty, my friend.
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  Speaker 5: Yeah, no, all good. So this June just gone was
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  Speaker 5: the end of my seventh financial year as a real
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  Speaker 5: estate agent. I've been in the industry. Yeah yeah, so
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  Speaker 5: I've I was a personal assistant for seven months before
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  Speaker 5: I started selling, but yeah, I've done full seven financial years,
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  Speaker 5: so my own.
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  Speaker 3: From being a personal assistant to just selling house a
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  Speaker 3: state agent and now make like more than one hundred
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  Speaker 3: and fifty grand a year.
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  Speaker 4: Yeah yeah, so yeah, way are you hiring?
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  Speaker 5: Yeah yeah, And I was only twenty one when I
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  Speaker 5: first went out selling yeah, yeah, yeah.
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  Speaker 3: That is you know what, like it sounds really good,
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  Speaker 3: but also credit where credit is? Do real estate agents
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  Speaker 3: work their butts off? Yeah, it's a hustle. I am
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  Speaker 3: assuming you don't just work forty hours a week.
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  Speaker 5: No, No, definitely not, and definitely not in those first
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  Speaker 5: three or four years. Yeah, so I think while I
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  Speaker 5: didn't have to do the like, you know, years and
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  Speaker 5: years of UNI, like a lot of my friends did
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  Speaker 5: have gone on to be you know, teachers and what
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  Speaker 5: have you. Definitely the first sort of four to five
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  Speaker 5: years in this industry is yeah, it's a lot of hard. Yeah.
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  Speaker 3: Absolutely, So you're a real estate agent, what are there
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  Speaker 3: colms do you have? And how much money do you
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  Speaker 3: make each and every single year?
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  Speaker 4: Yeah?
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  Speaker 5: So the financial year just gone. I made two hundred
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  Speaker 5: and twelve thousands super plus plus.
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  Speaker 3: There's a lot of fun. Congrats.
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  Speaker 2: That is also how do you bet that when you
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  Speaker 2: were twenty one and you're a personal assistant, you weren't
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  Speaker 2: thinking that you'd you know, be making that kind of.
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  Speaker 3: Rand a year.
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  Speaker 5: That is so no.
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  Speaker 2: Yeah, one of the girls on Selling Sunset, you know
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  Speaker 2: that show on Netflix. Agents with that really.
• 6:30
  Speaker 3: We've got a celebrity. Oh my god, Hello Christine, I've
• 6:34
  Speaker 3: got a celebrity on the phone. Guys, she's anonymous. Oh
• 6:38
  Speaker 3: my god, I can't because it's anonymous.
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  Speaker 2: It's anonymous.
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  Speaker 3: Yeah.
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  Speaker 2: Well, she's doing a really good job at an Australian
• 6:46
  Speaker 2: accent right now.
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  Speaker 3: So I'm very I.
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  Speaker 5: Think there is a Sydney version of that coming out.
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  Speaker 5: But anyway, I.
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  Speaker 3: Heard theory is just on the grape line. I think
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  Speaker 3: that's very interesting. But I have another question. You're partner, Yeah,
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  Speaker 3: how much do they so?
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  Speaker 5: Yeah, so he obviously, being a sole trader, doesn't have
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  Speaker 5: that you know, payd income, but he has a turnover
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  Speaker 5: of about one hundred and forty hundred and fifty thousand
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  Speaker 5: a year and then obviously there's a lot of business
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  Speaker 5: expenses that come out of that running costs and subcontractors
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  Speaker 5: and things. So profit wise, he'd be sitting at around
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  Speaker 5: probably eighty eighty five.
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  Speaker 3: That's good. I'd like to run your own show. That's
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  Speaker 3: great money. Yeah, that's so good. Next question, what is
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  Speaker 3: currently your big money goal?
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  Speaker 5: So currently we have two money goals that we're focusing on.
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  Speaker 5: One is that we would like to get another property
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  Speaker 5: in the next twelve months. So yeah, that's definitely another
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  Speaker 5: property in the twelve months. Yeah, so that is definitely
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  Speaker 5: a big financial goal of ours. And also, I want
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  Speaker 5: to say, but it's been a big goal of mine.
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  Speaker 5: He's not so focused on it, but he supports me
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  Speaker 5: in it. I definitely want to make sure that I'm
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  Speaker 5: investing ten thousand dollars a year into the into the
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  Speaker 5: stock market. So yeah, that's another big goal that I
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  Speaker 5: have this year too.
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  Speaker 3: I love that. That's actually the next question, so let's
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  Speaker 3: just segue on straight into that. Do you currently have
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  Speaker 3: any investments currently?
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  Speaker 5: We do, And yeah, obviously, as I just mentioned, it's
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  Speaker 5: not a space that I've sort of attacked as aggressively
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  Speaker 5: as maybe other areas. But obviously now I've built that
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  Speaker 5: business and that income that these sorts of options are
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  Speaker 5: things that we are exploring. So we do have a
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  Speaker 5: rai's account and when that gets to five hundred dollars,
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  Speaker 5: I take that out and I put it into our
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  Speaker 5: compet accounts and currently we have about two and a
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  Speaker 5: half thousand. In the like the concept with e fps
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  Speaker 5: and things like that. So it was just in the
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  Speaker 5: AUNT that I felt comfortable in kind of dabbling and
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  Speaker 5: sort of playing around with myself but when it starts
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  Speaker 5: at forth, you know that ten thousand and in excess
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  Speaker 5: of that, I've just kind of hit that lockage where
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  Speaker 5: I'm like, I need health and I want guidance and
• 9:14
  Speaker 5: you know that sort of thing. And then I was
• 9:16
  Speaker 5: also one of these people that got on the bit
• 9:19
  Speaker 5: coin bandwagon a little bit early on. Oh yeah, So
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  Speaker 5: I invested fifty dollars a fortnight until I had invested
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  Speaker 5: fifteen hundred dollars of my own money, and that was
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  Speaker 5: an amount that I just went, you know, well, if
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  Speaker 5: it falls out of the sky tomorrow, I'm.
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  Speaker 3: Okay with that.
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  Speaker 5: I comfortable with that. And yeah, that's sitting at about
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  Speaker 5: four thousand, two hundred dollars at the moment.
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  Speaker 3: That is so yeah. But that's that's what. And I
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  Speaker 3: think that people think I'm really negative on bitcoin, and
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  Speaker 3: I am in a way, just to disclaimer this, because
• 9:52
  Speaker 3: I don't believe in it as a long term strategy
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  Speaker 3: for wealth creation in a sustainable way. Right, But if
• 9:58
  Speaker 3: you're willing to that risk, which is it could fall
• 10:02
  Speaker 3: out of the sky tomorrow, only ever invest what you're
• 10:05
  Speaker 3: willing to lose. And you did that and it paid
• 10:07
  Speaker 3: off for you. But when it comes to investing. You're
• 10:10
  Speaker 3: super in investing for the long term and creating retirement.
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  Speaker 3: I'd be like, that's too much of a risk for
• 10:15
  Speaker 3: you to put yourself out because a lot does drop out,
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  Speaker 3: that's your retirement. That's crazy. But if you lost that
• 10:22
  Speaker 3: money that you'd saved up, and you said it was
• 10:24
  Speaker 3: about fifteen hundred dollars for you and your financial situation,
• 10:28
  Speaker 3: it wouldn't have impacted you negatively. So I think that, Yeah, disclaimer,
• 10:32
  Speaker 3: don't hate it. I find it really interesting. I follow
• 10:36
  Speaker 3: it personally. I don't invest in it, but I follow
• 10:38
  Speaker 3: it personally because I'm just so pervy on it and
• 10:41
  Speaker 3: all of these bit point millionaires crazy love love looking
• 10:45
  Speaker 3: at it. But I think it's really important to understand it.
• 10:47
  Speaker 5: Yeah, I found it a risk, like a cool and
• 10:50
  Speaker 5: it was like a cool cycle to go through recently
• 10:52
  Speaker 5: with the drops that the bitcoin market had had, because
• 10:56
  Speaker 5: at one stage, you know, now I got to that
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  Speaker 5: sixteen hundred dollars off my own money. Watching it fluctuate
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  Speaker 5: kind of feels like the emotions that have come with
• 11:04
  Speaker 5: it's sitting at seven thousand and then overnight dropping to
• 11:06
  Speaker 5: three and a half thousand.
• 11:08
  Speaker 2: And it's so satisfying.
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  Speaker 5: Yeah, and it's also like so tempting just to sell
• 11:13
  Speaker 5: it and bail and then you've kind of got victoria
• 11:15
  Speaker 5: there being like great.
• 11:18
  Speaker 3: But I think it's it's cool to experience that, and
• 11:21
  Speaker 3: a lot of people will be like, oh, I won't
• 11:23
  Speaker 3: be emotional about it, but like, can you confirm that
• 11:27
  Speaker 3: when you look at it and it's dropped regardless of
• 11:29
  Speaker 3: how much it's worth, you go, oh, like, I don't
• 11:32
  Speaker 3: like that. That's a hit. Yeah, I don't like I
• 11:34
  Speaker 3: don't like having that hit.
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  Speaker 5: Yeah.
• 11:37
  Speaker 3: I'm going to throw in a wild card question from
• 11:41
  Speaker 3: the list, and I think that I want to add
• 11:44
  Speaker 3: this in because I think it'll give a little bit
• 11:45
  Speaker 3: of context. I don't know what your answer is going
• 11:48
  Speaker 3: to be, but I think it'll be really important because
• 11:50
  Speaker 3: you know, you've obviously not finished UNI and now you're
• 11:54
  Speaker 3: making a lot of money and it's really impressive. But
• 11:57
  Speaker 3: what was your money story like when you were growing up?
• 12:01
  Speaker 5: Oh? Sure, yeah, so we definitely I would say never
• 12:05
  Speaker 5: went without or ever made it feel like we went without.
• 12:10
  Speaker 5: But also looking back now as an adult onto you
• 12:13
  Speaker 5: know what we had and schools we went to in
• 12:15
  Speaker 5: the areas we lived in, and those sorts of things.
• 12:17
  Speaker 5: It was very not nothing flash, you know, it was
• 12:21
  Speaker 5: you know, Mum and dad, we were very fortunate to
• 12:24
  Speaker 5: go on local holidays and in school holidays and things
• 12:27
  Speaker 5: like that, do lots of activities. But it was certainly
• 12:30
  Speaker 5: and this is of no judgment to people that could
• 12:32
  Speaker 5: go to those sorts of schools, but there was definitely
• 12:35
  Speaker 5: no private schools or you know, being any inheritance or
• 12:39
  Speaker 5: feeling like you had things on a silverlight. I would say, yeah,
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  Speaker 5: working class Australian family household, definitely.
• 12:46
  Speaker 3: Yeah, I love that. And I really wanted to ask
• 12:48
  Speaker 3: that because I kind of had assumed that's the case,
• 12:51
  Speaker 3: just because of the attitude you currently have and the
• 12:53
  Speaker 3: way you're talking about it. And I really wanted to
• 12:56
  Speaker 3: be clear about the fact that it's not like you
• 12:58
  Speaker 3: came from money to then create money. And I think
• 13:00
  Speaker 3: a lot of people will often say, like, oh, well,
• 13:03
  Speaker 3: you know, her parents probably supported her through that, all right,
• 13:05
  Speaker 3: maybe her dad owns the real estate agent, and it's
• 13:08
  Speaker 3: not the case. Like, why do we always have to
• 13:10
  Speaker 3: question success instead of just going, wow, she's achieved a lot,
• 13:15
  Speaker 3: because it's genuinely so impressive. But yeah, back on track
• 13:20
  Speaker 3: with the questions. Sorry for that, wildcat. The next question
• 13:25
  Speaker 3: is do you currently have any debts?
• 13:28
  Speaker 5: Yeah, we do, so we have the mortgage on the
• 13:31
  Speaker 5: house that we live in. We have a mortgage on
• 13:35
  Speaker 5: a second property, and I'm also about three and a
• 13:39
  Speaker 5: half years into a five year car loan. But yeah,
• 13:43
  Speaker 5: my partner's really fortunate to not have any debt within
• 13:47
  Speaker 5: his business or on his machinery or anything like that. Yeah.
• 13:52
  Speaker 5: And even though I contemplated paying the debt out on
• 13:55
  Speaker 5: my car loan a number of times, the fact is
• 13:57
  Speaker 5: it's there, and I trust my accountant and he tells
• 14:00
  Speaker 5: me at this stage it's beneficial not to pay it out,
• 14:02
  Speaker 5: so I just let it ride its course.
• 14:04
  Speaker 3: Yeah, And that's the value of advice because you might
• 14:08
  Speaker 3: just feel like you need to pay it out immediately,
• 14:09
  Speaker 3: but if you get something place on it, make sure
• 14:11
  Speaker 3: you're in the right position. Sometimes it's actually more cost
• 14:13
  Speaker 3: effective to just see it out because there might be
• 14:16
  Speaker 3: like early cancelation fees you didn't take into consideration. So
• 14:19
  Speaker 3: smart move from you. Deep ourier question how much debt?
• 14:25
  Speaker 3: So you know, do you have one hundred brand left
• 14:27
  Speaker 3: on your mortgage or are we talking?
• 14:28
  Speaker 5: Oh, that's a good question. No, so confined. So the
• 14:32
  Speaker 5: car Loan would be that was a fifty thousand dollars car,
• 14:35
  Speaker 5: and so that would have I'm guessing fifteen to eighteen
• 14:39
  Speaker 5: something like that from the car Loan.
• 14:42
  Speaker 3: Don't realist it's like exclusively drive one hundred thousand dollar cars, Like,
• 14:46
  Speaker 3: what are you doing? No?
• 14:47
  Speaker 5: Not when they have different different money prior.
• 14:51
  Speaker 3: Awesome, that is that's really quite impressive. I actually had anticipated,
• 14:56
  Speaker 3: given you're young and like in that wealth creation zone
• 15:00
  Speaker 3: known two properties, that you potentially would be in a
• 15:03
  Speaker 3: lot more depth than that. But that's that's really cool.
• 15:07
  Speaker 2: Sorry, Money Diarist, how old are you?
• 15:09
  Speaker 3: Yeah? Twenty eight a Bambinie, Holy making banks. Yeah, I
• 15:15
  Speaker 3: love it. Back into the swing of it. We've recently
• 15:17
  Speaker 3: started asking our money diarists to this question, and I'm stuck.
• 15:21
  Speaker 3: I I love it because I feel like everybody has
• 15:23
  Speaker 3: a different hack. So do you currently use shot back?
• 15:28
  Speaker 4: No? I don't know shot back.
• 15:29
  Speaker 3: Hacks from our money diarist Tony.
• 15:31
  Speaker 5: No, I don't know. I heard it on the last
• 15:34
  Speaker 5: Money Diary and I was like, Oh, they're gonna ask that.
• 15:38
  Speaker 3: No, that's okay.
• 15:39
  Speaker 2: It's good because it means that you're not just going oh, yeah,
• 15:42
  Speaker 2: I'll buy that because there's money coming back on it,
• 15:45
  Speaker 2: which I go, oh, I could get money back on
• 15:48
  Speaker 2: the Iconic this week.
• 15:48
  Speaker 3: I better have a cheeky little look.
• 15:50
  Speaker 2: It'd be rude.
• 15:50
  Speaker 4: Not so it would be it would be I reckon.
• 15:54
  Speaker 5: My focus was I have my diploma to do at
• 15:56
  Speaker 5: the end of this month, and I'm like, if I
• 15:57
  Speaker 5: enter into that sort of thing, it's going to take
• 15:59
  Speaker 5: my focus there. I'm going to leave that to August.
• 16:01
  Speaker 3: That was very fair, but kind of money habit, What
• 16:06
  Speaker 3: is your best money habit?
• 16:09
  Speaker 5: I would think that the two things that my partner
• 16:11
  Speaker 5: and I do really well is firstly talk about money.
• 16:17
  Speaker 5: It was definitely in the first sort of I suppose
• 16:19
  Speaker 5: six months to maybe nine months of our relationship, we
• 16:22
  Speaker 5: didn't really go through the specifics of her like, we
• 16:25
  Speaker 5: roughly had an idea, but there was no like, you know,
• 16:28
  Speaker 5: first class of wine together, Hey, how much is in
• 16:29
  Speaker 5: your bank account kind of thing.
• 16:33
  Speaker 4: Yeah.
• 16:34
  Speaker 3: We also I was like, okay, babe, super I know
• 16:37
  Speaker 3: we just met on Tinder, but like, what's your risk profile? Yeah?
• 16:40
  Speaker 3: I was just wondering, like, what portfolio did you choose
• 16:42
  Speaker 3: in super Balanced?
• 16:44
  Speaker 5: Oh?
• 16:44
  Speaker 3: Yeah, you look like a balanced guy.
• 16:46
  Speaker 4: He does, so yeah, definitely talking about money as a
• 16:53
  Speaker 4: couple and having full confidence in like being fully transparent
• 16:57
  Speaker 4: as well.
• 16:57
  Speaker 5: I think it's one thing to say you should just
• 16:59
  Speaker 5: be conparent with one another, but I think most importantly,
• 17:02
  Speaker 5: you need to feel comfortable with getting to that stage.
• 17:05
  Speaker 5: So yeah, that's for us. Happens, you know, maybe quicker
• 17:08
  Speaker 5: or longer than other people, but yeah, we definitely got there.
• 17:11
  Speaker 5: And then secondly to that is just having a budget.
• 17:15
  Speaker 5: We don't share any of our bank accounts because it's
• 17:19
  Speaker 5: just easier for us to budget my business and his
• 17:22
  Speaker 5: business separately, but we both have access completely to each
• 17:27
  Speaker 5: other's bank accounts, So yeah, that wors for us. But yeah,
• 17:31
  Speaker 5: having a budget definitely.
• 17:33
  Speaker 3: Yeah, And I think that's really powerful to just learn
• 17:35
  Speaker 3: because I've said it before, but there's no right or
• 17:38
  Speaker 3: wrong way to manage your money as a couple, and
• 17:41
  Speaker 3: you just have to work it out and work out
• 17:42
  Speaker 3: what you're most comfortable with and what your relationship looks like.
• 17:47
  Speaker 3: And you know, you have access to each other stuff,
• 17:49
  Speaker 3: like you don't even have to have that, like I think,
• 17:51
  Speaker 3: as so many people think that when you get into
• 17:54
  Speaker 3: a relationship, especially a relationship where you have a lot
• 17:57
  Speaker 3: of money. Yeah, that you have to share finance. It's
• 18:00
  Speaker 3: just not the case, not at all. No, But speaking
• 18:05
  Speaker 3: of good money habits, we do have to ask about
• 18:07
  Speaker 3: the bad ones. What is your worst habit?
• 18:12
  Speaker 5: I would say, look, in all honesty, I think my
• 18:15
  Speaker 5: partner is actually so much more better than I am
• 18:18
  Speaker 5: not spending money, although being a physical bloke. When he
• 18:22
  Speaker 5: does spend money, it tends to be in the thousands,
• 18:24
  Speaker 5: not in the hundreds on whatever boys spend their money on. Yeah, yeah,
• 18:29
  Speaker 5: I mean I think it needs Yeah, I need this
• 18:31
  Speaker 5: new thing for my car. It's only like two thousand
• 18:33
  Speaker 5: dollars and I'm like, what, I just spent two hundred
• 18:35
  Speaker 5: dollars on one shopping street. What are you doing?
• 18:38
  Speaker 3: Yeah? No, not comparabile balance.
• 18:43
  Speaker 5: Yeah yeah. My worst money habit would be because I
• 18:48
  Speaker 5: get paid fortnightly, and obviously some fortnights can be not
• 18:52
  Speaker 5: as much as others. When I know that I have
• 18:55
  Speaker 5: quite significant pay coming in, sometimes I can spend that
• 18:59
  Speaker 5: money before it's hit my bank account. So we and
• 19:03
  Speaker 5: again this is what just works for us. We don't
• 19:06
  Speaker 5: have an emergency account per se. All of our savings
• 19:10
  Speaker 5: is against our mortgages, but we do have a five
• 19:13
  Speaker 5: thousand dollars credit card that nothing is going on at
• 19:17
  Speaker 5: the moment, and in most cases it doesn't. We use
• 19:19
  Speaker 5: that as our emergency fund and then we pay it
• 19:22
  Speaker 5: off for the very next fortnight when I get paid.
• 19:24
  Speaker 5: But sometimes that might have a pair of shoes or
• 19:28
  Speaker 5: ejected on it.
• 19:29
  Speaker 4: Sometimes sourgency jacket.
• 19:32
  Speaker 5: Yeah, yeah, impulse. You know with that cel friend that
• 19:35
  Speaker 5: maybe I hadn't budgeted for that week. So I definitely
• 19:38
  Speaker 5: can be a little bit guilty of knowing that I
• 19:40
  Speaker 5: have money coming in and spending it before I've allocated
• 19:43
  Speaker 5: it where I'd like to allocate it.
• 19:45
  Speaker 3: Yeah, And I think that that's really powerful as well.
• 19:47
  Speaker 3: And there's like no right or wrong when it comes
• 19:50
  Speaker 3: to having emergency savings. And as I've said before, credit
• 19:53
  Speaker 3: cards can be really powerful tools if you are using
• 19:56
  Speaker 3: them properly and actually are responsible with them. But it's
• 19:59
  Speaker 3: when you're not using them responsibly and they end up
• 20:01
  Speaker 3: being a slippery slope and you end up in trouble.
• 20:03
  Speaker 3: And if you I think that there's you know, I'm
• 20:06
  Speaker 3: not saying it's a bad thing, but it's a very
• 20:07
  Speaker 3: privileged position to be and where you're like, yeah, cool,
• 20:10
  Speaker 3: I can that next month whereas you don't have as
• 20:14
  Speaker 3: higher income, putting it on a credit card can actually
• 20:17
  Speaker 3: be a lot riskier because yeah, well I don't know
• 20:20
  Speaker 3: if I'll have like another big cost next month, and
• 20:22
  Speaker 3: then I'm carrying a whole heap of debt and now
• 20:24
  Speaker 3: I'm all of a sudden out of exactly. So I
• 20:27
  Speaker 3: think it's really important to, you know, just call it
• 20:30
  Speaker 3: out there, not as a bad thing, just because there
• 20:33
  Speaker 3: might be some people listening that go, oh, I could
• 20:35
  Speaker 3: do that. If she can do it, I can do it.
• 20:36
  Speaker 3: But it's just more would that actually work for your
• 20:39
  Speaker 3: personal situation. And I've got clients who have credit cards
• 20:42
  Speaker 3: for that reason and it works for them, and that's
• 20:44
  Speaker 3: what they want to do, and I'm totally for it.
• 20:46
  Speaker 3: But I think it's more about the slippery slope and
• 20:49
  Speaker 3: the carrying of debt, and if you have a high income,
• 20:51
  Speaker 3: it's not nearly as big a problem as when you
• 20:54
  Speaker 3: are like on a budget and then you're relying on
• 20:57
  Speaker 3: a credit card to tide you over. That's where I'm
• 21:00
  Speaker 3: quite aggressive about saying I don't think it's a.
• 21:02
  Speaker 2: Good idea, yeah, or even if your personality type is that,
• 21:06
  Speaker 2: because I know, personally for me, this is like I
• 21:08
  Speaker 2: wouldn't have it Tony Looy's Lodge saying this right now,
• 21:12
  Speaker 2: I personally can't do it because if I've got access
• 21:14
  Speaker 2: to it the same way that I can't. I've never
• 21:16
  Speaker 2: opened an after Bay account because I know that that's.
• 21:19
  Speaker 3: What I'll do.
• 21:19
  Speaker 2: That I'll go, oh, it's just a naughty little one,
• 21:22
  Speaker 2: and then all of a sudden, fifteen different direct efforts
• 21:25
  Speaker 2: coming out. Yeah, so you know, I know that it
• 21:27
  Speaker 2: won't work for me.
• 21:28
  Speaker 3: Yeah, And that's just it. Like, this is why I
• 21:31
  Speaker 3: love money dries, because we get to be pervy on
• 21:33
  Speaker 3: everybody else's like situation and be like, oh, that wouldn't
• 21:35
  Speaker 3: work for me, but this would and oh that's a
• 21:37
  Speaker 3: great tip and odd that's yeah, that's inspirational or like
• 21:40
  Speaker 3: maybe you might've been like, oh, I don't resonate with
• 21:43
  Speaker 3: that at all, but it is just so cool to
• 21:45
  Speaker 3: learn from other people's experience, for sure. Last scripted money question,
• 21:50
  Speaker 3: my friend, what grand would you give your money habits
• 21:53
  Speaker 3: if I forced you to give yourself a grade?
• 21:57
  Speaker 5: Oh, I've thought so long enough about this question, and
• 22:02
  Speaker 5: I like, I want to say an A definitely, but
• 22:07
  Speaker 5: I feel like I was leaning towards a bit of
• 22:10
  Speaker 5: a b bus for a while there, because I feel
• 22:12
  Speaker 5: like I'm in that stage of like knowing what I know,
• 22:16
  Speaker 5: and sometimes I do beat myself up a little bit
• 22:18
  Speaker 5: about other things I could have done and created with
• 22:21
  Speaker 5: the income that I've had over the last couple of
• 22:24
  Speaker 5: years that i've had it. So yeah, I've settled for
• 22:27
  Speaker 5: an A in the middle because I definitely have so
• 22:29
  Speaker 5: much more room to grow. But I also know that
• 22:33
  Speaker 5: I'm in a really yeah good position, and I've worked
• 22:36
  Speaker 5: really hard for the position that I'm in, So yeah,
• 22:38
  Speaker 5: a flat A makes me feel comfortable.
• 22:41
  Speaker 3: I love that.
• 22:41
  Speaker 2: I think as well, like you just said, you worked
• 22:44
  Speaker 2: really really hard to get where you are. It's not
• 22:45
  Speaker 2: as if all of a sudden, all this money fell
• 22:47
  Speaker 2: in your lap and you're like, oh, I'm just trying.
• 22:49
  Speaker 3: To figure out what to do with it.
• 22:50
  Speaker 2: You know, you work really really hard every single week,
• 22:53
  Speaker 2: every single month.
• 22:54
  Speaker 3: Like, yeah, I think that's awesome. I'm so proud of you.
• 22:57
  Speaker 3: I love it. I love hearing these thanks. And I
• 23:00
  Speaker 3: have a lot of questions, actually probably left field ones
• 23:04
  Speaker 3: that we are going to get to in just a minute.
• 23:15
  Speaker 3: We are back, and I have some questions for you money, diarist,
• 23:19
  Speaker 3: and I hope that you are ready. Yeah, you are
• 23:24
  Speaker 3: a relatively high income owner. You earned more than two
• 23:27
  Speaker 3: hundred thousand dollars last year and you are twenty eight
• 23:29
  Speaker 3: years old. Wild wild, really cool. You did that without
• 23:33
  Speaker 3: a union degree. But with money comes responsibility. And when
• 23:39
  Speaker 3: we start talking about being a high income earner, especially
• 23:42
  Speaker 3: at the age of twenty eight, where the average salary
• 23:45
  Speaker 3: sits between sixty and eighty thousand dollars, how does this
• 23:48
  Speaker 3: impact your relationship with your friends and your family?
• 23:53
  Speaker 5: I think, like, again, now I'm in a really good spot.
• 23:58
  Speaker 5: And it kind of took this transition period of when
• 24:01
  Speaker 5: I was growing up, my mum used to always say
• 24:04
  Speaker 5: things like, you know, we can't afford that, or we
• 24:06
  Speaker 5: can't afford that, and they were her words, and my
• 24:09
  Speaker 5: sister and I always used to like struggle with that
• 24:11
  Speaker 5: concept because we're like, well, how come you couldn't afford
• 24:13
  Speaker 5: to buy us that jumper? But Annie wants to go
• 24:16
  Speaker 5: out for dinner tomorrow night. We can go out to dinner.
• 24:18
  Speaker 5: Like we never understood. It's like if in our minds
• 24:20
  Speaker 5: as kids, if you didn't have money, you didn't have money.
• 24:23
  Speaker 5: And I learned to kind of change my word into
• 24:27
  Speaker 5: you know, basically at the end of the day that
• 24:29
  Speaker 5: doesn't align to what I'm trying to achieve right now,
• 24:32
  Speaker 5: or you know, I can't do that this week, but
• 24:33
  Speaker 5: I can do that next week. And as I started
• 24:36
  Speaker 5: to say things like that and people knew not exactly
• 24:39
  Speaker 5: what I was earning, but they knew that I wasn't,
• 24:41
  Speaker 5: you know, living week to week, it would just kind
• 24:43
  Speaker 5: of post them to ask questions. And then that's how
• 24:46
  Speaker 5: I kind of got on to saying, well, you know,
• 24:48
  Speaker 5: I do have a budget, and I do have other
• 24:50
  Speaker 5: goals and going out for and I on the town
• 24:52
  Speaker 5: and spending a couple hundred dollars isn't of interest to
• 24:55
  Speaker 5: me this week. So yeah, I think initially there was
• 24:58
  Speaker 5: a lot of like, what what do you mean, can't
• 25:00
  Speaker 5: do it? And then they've just learned that that's because
• 25:02
  Speaker 5: I have a bigger picture in mind, and they're totally
• 25:05
  Speaker 5: okay with that.
• 25:06
  Speaker 3: Yeah, Yeah, I think it's It's really interesting because the
• 25:10
  Speaker 3: more money you make, the more separated you can often
• 25:13
  Speaker 3: feel from your friends and from your family. If that's
• 25:16
  Speaker 3: not how you grew up, or if that's not what
• 25:18
  Speaker 3: your friend's are doing, and you know, earlier you mentioned
• 25:21
  Speaker 3: I definitely didn't go to private school, like I just
• 25:23
  Speaker 3: went to you know, normal public school. Like it can
• 25:26
  Speaker 3: feel really ostracizing at the same time as you being
• 25:29
  Speaker 3: really proud of yourself and you really want to celebrate this.
• 25:33
  Speaker 2: And if you buy yourself something fancy, you want to
• 25:35
  Speaker 2: tell your mates about it or go out for a
• 25:37
  Speaker 2: fancy dinner and things like that, but you don't want
• 25:39
  Speaker 2: them to think that you're like lauding it over anyone
• 25:42
  Speaker 2: or yeah, because.
• 25:43
  Speaker 3: It's not the case exactly, feel like it's people immediately
• 25:47
  Speaker 3: if they find out that you earn like double or
• 25:49
  Speaker 3: triple what they earn, they're like, oh my gosh, she'll
• 25:51
  Speaker 3: think that my decisions are really silly. But that's not
• 25:55
  Speaker 3: the case, is it.
• 25:57
  Speaker 5: Yeah, no, not at all. And as I said, I
• 25:59
  Speaker 5: have no issue with being transparent with those around me,
• 26:03
  Speaker 5: and even you know, not that it's cage in anyway.
• 26:05
  Speaker 5: It's whatever you feel comfortable with. But I've found personally
• 26:08
  Speaker 5: that being quite specific with what we're working towards and
• 26:11
  Speaker 5: transparent with that, people can see it so rather than
• 26:14
  Speaker 5: just saying like, oh, that doesn't align to my values
• 26:16
  Speaker 5: and then they're made to feel like you don't know
• 26:18
  Speaker 5: who's spending time with them or whatever the case may be.
• 26:21
  Speaker 5: I would say things like, oh, you know, we're trying
• 26:23
  Speaker 5: to say, but one hundred thousand dollars this year, and
• 26:25
  Speaker 5: I'm really really workful towards it so we can get
• 26:27
  Speaker 5: this goal at the other end, And then it's almost
• 26:29
  Speaker 5: like they are excited for you and they're like, oh, well,
• 26:33
  Speaker 5: I still want to see you, so what should we
• 26:34
  Speaker 5: do anyway? And I'm like, well, can we just get
• 26:36
  Speaker 5: a pizza and go for a walk or something rather
• 26:38
  Speaker 5: than going out to a really fancy dinner or going
• 26:41
  Speaker 5: for two nights away somewhere. So yeah, I found that
• 26:44
  Speaker 5: that's helped me. But I would say that I don't
• 26:46
  Speaker 5: have as i've gotten older, you know, tens of you know,
• 26:50
  Speaker 5: twenties and thirties of friends like you maybe had in
• 26:52
  Speaker 5: your late teens and early twenties. I have a really
• 26:54
  Speaker 5: small handful and my family and my friendship group and
• 26:57
  Speaker 5: I are really close and I feel comfortable, you know,
• 27:00
  Speaker 5: being transparent with them about those sorts of things.
• 27:02
  Speaker 3: Yeah, and I think that's really powerful. And if you've
• 27:04
  Speaker 3: got friends that are making you feel uncomfortable about that,
• 27:07
  Speaker 3: i'd question you're friends with people that make you uncomfortable
• 27:10
  Speaker 3: for sure, because that's not positive at all. Yeah, when
• 27:14
  Speaker 3: it comes to investing for the future, like knowing the
• 27:18
  Speaker 3: position you're in now, you have so much power, like
• 27:21
  Speaker 3: what's the plan is it? You know? Is it super
• 27:24
  Speaker 3: is it an investment? Do you want an investment portfolio
• 27:27
  Speaker 3: of properties? Like what does that look like in the
• 27:30
  Speaker 3: future for you?
• 27:32
  Speaker 5: Yeah, I think, yeah, obviously I'm incredibly less to have
• 27:36
  Speaker 5: those options moving forward. But I think as you cover
• 27:39
  Speaker 5: off on so often the income around, like what you
• 27:43
  Speaker 5: have towards investments isn't always to be all and endel
• 27:45
  Speaker 5: it's actually just doing something and making those starts in
• 27:48
  Speaker 5: those areas. So yeah, I think when I saw my
• 27:51
  Speaker 5: group certificate come this in this year with a too
• 27:54
  Speaker 5: in front of it, and I'm like, oh my gosh,
• 27:56
  Speaker 5: you don't have this and you don't have that, and
• 27:58
  Speaker 5: I definitely yeah, it was a little bit negative towards
• 28:00
  Speaker 5: myself for a few days. It's just made me go,
• 28:03
  Speaker 5: this is something that I need to do, not so
• 28:06
  Speaker 5: I can. I don't have a goal of not working
• 28:08
  Speaker 5: or any of those sorts of things. It's just to
• 28:10
  Speaker 5: be able to continue to grow and you know, provide
• 28:13
  Speaker 5: opportunities for my family and friends, and yeah, just have
• 28:17
  Speaker 5: have choices. I've always been I remember being like sixteen
• 28:21
  Speaker 5: seventeen going on seek and looking at all of the
• 28:23
  Speaker 5: jobs that made over one hundred thousand dollars a year.
• 28:25
  Speaker 5: I have always been obsessed and focused with earning this
• 28:29
  Speaker 5: kind of money. But it hasn't come with me waving
• 28:32
  Speaker 5: around my text of how much money I have. It's
• 28:34
  Speaker 5: come with me eing like having the drive to want
• 28:38
  Speaker 5: to have choices and flexibility and lifestyle, and that's all
• 28:41
  Speaker 5: that drives it for me.
• 28:43
  Speaker 3: I think that is such an important and such a
• 28:45
  Speaker 3: powerful point to bring up, Like this isn't something that
• 28:48
  Speaker 3: oh accidentally, like I was just like a personal assistant
• 28:51
  Speaker 3: and then I fell into being a real estate agent.
• 28:54
  Speaker 3: Like No, you had that drive. You had that I
• 28:56
  Speaker 3: guess knowledge that that would be there if that's what
• 29:00
  Speaker 3: you were doing growing up. How did you then make
• 29:03
  Speaker 3: their decision to go you know what, I don't need
• 29:05
  Speaker 3: to go to UNI. I'm not going to do that
• 29:07
  Speaker 3: knowing that you would still make that kind of money. Like,
• 29:10
  Speaker 3: how did you do it? My friends?
• 29:12
  Speaker 5: There's a lot Yeah, well, I mean it depends what
• 29:17
  Speaker 5: you believe in but I'm a big believer in the universe.
• 29:20
  Speaker 5: And you know, jess or maybe thank me because she's
• 29:22
  Speaker 5: good at this marketplace, but I'm alien. Manifesting. Yeah, manifesting
• 29:26
  Speaker 5: is a wonderful thing. But that doesn't just come from
• 29:28
  Speaker 5: me sitting on my bed and close my eyes and
• 29:30
  Speaker 5: wishing for it one day. It's just when you put
• 29:33
  Speaker 5: it out there and you're so focused on it, it's
• 29:36
  Speaker 5: just amazing the things you'll notice, all the things you overhear,
• 29:39
  Speaker 5: or someone will say something to you one day and
• 29:41
  Speaker 5: you're like, oh, okay, and so yeah, for me, that's
• 29:44
  Speaker 5: sort of where my mind has always been getting into.
• 29:47
  Speaker 5: It was in year twelve. I wanted to be a VET,
• 29:52
  Speaker 5: so I did get quite good grades and all those
• 29:55
  Speaker 5: sorts of things, so I could come straight out of
• 29:57
  Speaker 5: year twelve and go into university. But it just I
• 30:05
  Speaker 5: at all, No, I just needed I just needed a
• 30:08
  Speaker 5: year off, and I fell into hospitality and pretty at
• 30:11
  Speaker 5: eighteen and pretty quickly got to a management role there
• 30:14
  Speaker 5: where I was doing rosters and you know, doing those
• 30:17
  Speaker 5: sorts of things. And I've I've never worked nine to
• 30:20
  Speaker 5: five Monday to Friday. And that's not because I couldn't
• 30:24
  Speaker 5: that was because I consciously made a choice not to
• 30:27
  Speaker 5: do that. I never had an interest in running my
• 30:30
  Speaker 5: life that way. And yeah, hospitality was great, and doing
• 30:33
  Speaker 5: rosters and having control over my weeks was fabulous until
• 30:37
  Speaker 5: you have three casuals call in and say that they
• 30:39
  Speaker 5: can't come to work that day and it's all on you.
• 30:41
  Speaker 5: Whereas now the industry that I'm in, as much as
• 30:44
  Speaker 5: I work huge hours, huge weeks, months and years, it
• 30:47
  Speaker 5: feels like, ultimately I'm still in control of every part
• 30:51
  Speaker 5: of my calendar. And I just always wanted that control
• 30:55
  Speaker 5: of if someone rings and says, hey, let's I don't know,
• 30:59
  Speaker 5: you know, go away next week ten for my thirtieth
• 31:01
  Speaker 5: or something, I can be like, yeah, no worries. I
• 31:03
  Speaker 5: don't have to bring my manager or my boss or
• 31:05
  Speaker 5: anything like that. So yeah, that to me was more
• 31:08
  Speaker 5: important than the money side.
• 31:10
  Speaker 3: Yeah, and I think that that's really cool to learn
• 31:13
  Speaker 3: a little bit more about. And when I listen and
• 31:16
  Speaker 3: I'm hearing your story, I'm like, this is so empowering
• 31:19
  Speaker 3: because there are going to be so many people that
• 31:21
  Speaker 3: are like, I want to be in control of my income,
• 31:23
  Speaker 3: my hours, but I also don't want to start a
• 31:26
  Speaker 3: business from scratch. I don't want to do that. And
• 31:30
  Speaker 3: you've proven that you can go and get a good
• 31:32
  Speaker 3: job where you have complete control over the money that
• 31:35
  Speaker 3: you earn because it's based on the input that you
• 31:37
  Speaker 3: put into. You get out what you put in. Yeah,
• 31:39
  Speaker 3: I would love to get a little bit more pervy
• 31:41
  Speaker 3: on I guess real estate because I'm sure people are listening,
• 31:45
  Speaker 3: what like, how does she make that kind of money?
• 31:48
  Speaker 3: How do commissions work in real estate? So you would
• 31:51
  Speaker 3: have I'm assuming a base salary and then commissions.
• 31:54
  Speaker 5: Yeah, incorrect, absolutely, And I think every state, and even
• 31:58
  Speaker 5: to some degrees, each company or franchise can vary a
• 32:02
  Speaker 5: little bit. But essentially in my state and how my
• 32:05
  Speaker 5: company operates is I get what's called a retainer each fortnight,
• 32:10
  Speaker 5: So eighteen hundred dollars a week after tax, is my
• 32:14
  Speaker 5: I suppose guarantees income. That is money.
• 32:18
  Speaker 3: Yeah, I would just take that.
• 32:21
  Speaker 5: Yeah, happy days. Don't even have to go into the
• 32:22
  Speaker 5: office that has that is money that I have to
• 32:27
  Speaker 5: pay back to the company. So I try to explain
• 32:30
  Speaker 5: to people of if you just think of your bank
• 32:31
  Speaker 5: account being zero and then my company pays me for
• 32:34
  Speaker 5: easy maths two thousand dollars for that fortnight, and I
• 32:38
  Speaker 5: haven't sold any properties in that fortnight. I'm now negative
• 32:41
  Speaker 5: two thousand to the company. And then the week after
• 32:44
  Speaker 5: or the fortnight after that will go down to four thousand,
• 32:47
  Speaker 5: and I have a commission come in for let's say
• 32:49
  Speaker 5: eight thousand. Now I'm positive four thousand, So it's money
• 32:54
  Speaker 5: that you know you've got coming in each fortnight, so
• 32:57
  Speaker 5: I can kind of all of my budget is done.
• 33:00
  Speaker 5: And this is why I've been not I suppose over
• 33:02
  Speaker 5: the top with things that I've bought, like properties in cars,
• 33:05
  Speaker 5: because my entire eighteen hundred dollars a fortnight, I can
• 33:09
  Speaker 5: live off them. So I can live off of a
• 33:11
  Speaker 5: fifty thousand dollars a year wage, which means that other
• 33:14
  Speaker 5: one hundred and fifty I'm able to save and invest
• 33:17
  Speaker 5: and do those things.
• 33:20
  Speaker 3: Yeah. Yeah, So people of introspection is really powerful for
• 33:24
  Speaker 3: us to understand. I guess how it works and what
• 33:26
  Speaker 3: that means. And you know, how can she do it
• 33:30
  Speaker 3: if your income is so reliant and so fluctuating, because
• 33:33
  Speaker 3: sometimes you are going to be in a position where
• 33:35
  Speaker 3: you just didn't sell any properties that week because life happens,
• 33:39
  Speaker 3: Like what does that actually mean? And I think that
• 33:41
  Speaker 3: you know, that's a lot of risk to take on,
• 33:43
  Speaker 3: because what if you just need to sell another property again,
• 33:46
  Speaker 3: like we could drive, But I think that you have
• 33:49
  Speaker 3: conviction and motivation. You know what you're capable of, and
• 33:52
  Speaker 3: you know what you will do and when to say
• 33:54
  Speaker 3: no to things and when to say yes and like
• 33:56
  Speaker 3: jump straight in. But yeah, how so then you would
• 34:01
  Speaker 3: make a commission based on the property that you sell,
• 34:03
  Speaker 3: based on its price. Is that right?
• 34:06
  Speaker 4: Oh?
• 34:06
  Speaker 5: Yeah, exactly that. Yeah, so it's a I charge a
• 34:09
  Speaker 5: percentage on the property's value. So yeah, if I'm charging
• 34:13
  Speaker 5: two percent and it's a four hundred thousand dollar property,
• 34:16
  Speaker 5: then eight thousand dollars is my commission that's bought in
• 34:20
  Speaker 5: from that sale. And the company that I work for
• 34:23
  Speaker 5: and myself are on a sixty forty split, So of
• 34:27
  Speaker 5: that eight thousand, I get sixty percent of that and
• 34:30
  Speaker 5: the company gets forty percent of that.
• 34:32
  Speaker 3: That is so empowering, like just knowing you've got the
• 34:35
  Speaker 3: support there, you've got the business behind you, but then
• 34:38
  Speaker 3: also your incomplete control of it and like kind of
• 34:41
  Speaker 3: get to operate on your own and run your own
• 34:43
  Speaker 3: hours and you know put in that you want to do.
• 34:46
  Speaker 3: That's really cool. Yeah, that is.
• 34:48
  Speaker 5: So yeah, No, their setup is phenomenal. But and I
• 34:52
  Speaker 5: think that, you know, a lot of sales industries are
• 34:55
  Speaker 5: under estimated on what you can earn and the potential
• 34:58
  Speaker 5: that people have in those industries. But yeah, definitely in
• 35:01
  Speaker 5: those first two or three years when you start to basically,
• 35:04
  Speaker 5: you know, be in debt to the company sixty seventy grand,
• 35:07
  Speaker 5: which happens really quickly because you're not making any commission
• 35:10
  Speaker 5: and they're paying your way, and then you're also trying
• 35:12
  Speaker 5: to spend money on marketing yourself that you get business.
• 35:15
  Speaker 5: It's a really yeah, daunting two year, three year process initially.
• 35:21
  Speaker 3: Yeah, and I think that that's really important. Like you know,
• 35:24
  Speaker 3: I said it earlier, but we need to remember that
• 35:27
  Speaker 3: to earn the amount that you're earning takes a lot
• 35:31
  Speaker 3: of work, a lot of grit.
• 35:32
  Speaker 2: You don a locity to a real estate agent and
• 35:35
  Speaker 2: they go, here's two hundred thousand dollars for the year,
• 35:37
  Speaker 2: no pop up, So like that's not a wow, it works.
• 35:42
  Speaker 5: It's a forty two thousand dollars a year paying job
• 35:44
  Speaker 5: or whatever it is for eight yeah.
• 35:46
  Speaker 3: Yeah, and so I think that that's really powerful and
• 35:50
  Speaker 3: so cool. I feel so lucky that you've wanted to
• 35:52
  Speaker 3: share this story with us, because I think we've all
• 35:55
  Speaker 3: learnt a little bit. And you know that you're just
• 35:58
  Speaker 3: a baller. Yeah, was in our hands, and like, if
• 36:02
  Speaker 3: we want to earn more money, we have control over that.
• 36:05
  Speaker 3: We've just got to find the motivation and the stream
• 36:07
  Speaker 3: and research. And you know, I love believing in the universe.
• 36:11
  Speaker 3: Like my mum used to always say to me, like,
• 36:14
  Speaker 3: just ask the universe if you want something or you
• 36:17
  Speaker 3: need something, just put it out there. And like, I mean,
• 36:20
  Speaker 3: it can sound really fluffy, but I do genuinely believe
• 36:23
  Speaker 3: in that. And manifesting is so powerful. But if you
• 36:27
  Speaker 3: don't believe in it, that's okay too. But the things
• 36:31
  Speaker 3: that you give your energy to are going to grow.
• 36:34
  Speaker 3: Like at the end of the day, the things that
• 36:36
  Speaker 3: you put your attention into, you're going to start seeing
• 36:38
  Speaker 3: more of. It's like if I said to you Tony today, hey,
• 36:43
  Speaker 3: red suzuki swifts everywhere, You're going to start sting so
• 36:47
  Speaker 3: many more red zuzuki swifts. Yeah, and they're going to
• 36:49
  Speaker 3: be everywhere. So it's if you start looking for just
• 36:53
  Speaker 3: a science and the items, I think it's just more
• 36:55
  Speaker 3: about you putting in the grunt work, and you actually
• 36:58
  Speaker 3: putting it front of mine and visualizing it actually means
• 37:01
  Speaker 3: you're going to see it more often, and speaking it
• 37:04
  Speaker 3: out loud means that you're putting your energy towards it.
• 37:06
  Speaker 3: And it just becomes something that if you say, oh,
• 37:08
  Speaker 3: one day I want to Burial a state agent, and
• 37:11
  Speaker 3: then I share that with someone, they might check up
• 37:14
  Speaker 3: later and see how I'm going on that goal, or or.
• 37:16
  Speaker 2: They've got a friend that owns ray White and they go, oh,
• 37:20
  Speaker 2: we really need a real estate agent. I go, oh,
• 37:22
  Speaker 2: my friend Victoria mentioned to me that she really wants
• 37:24
  Speaker 2: to you know, if you tell you know, these balls
• 37:27
  Speaker 2: can actually start rolling. And it literally is all about
• 37:30
  Speaker 2: putting yourself out there.
• 37:32
  Speaker 3: Yeah, and just giving the energy to what you want
• 37:35
  Speaker 3: to grow, and even if you're not in that position
• 37:38
  Speaker 3: right now, knowing what it is. And I think so
• 37:40
  Speaker 3: often if we're in a position we don't want to
• 37:42
  Speaker 3: be in and we're like, oh, my gosh, I want
• 37:43
  Speaker 3: to change it, but not actually visualizing what that change
• 37:47
  Speaker 3: looks like or what are my next steps, or not
• 37:49
  Speaker 3: doing the research. Like I just think that there's so
• 37:52
  Speaker 3: much more to manifestation than the fluffy stuff. It's actually
• 37:54
  Speaker 3: about giving yourself direction because you're essentially setting your own
• 37:58
  Speaker 3: goals and then working towards.
• 38:00
  Speaker 5: Yeah, it's just a bringing to front of mine, isn't
• 38:02
  Speaker 5: it Like, it's not just manifesting it. Once it's in
• 38:05
  Speaker 5: the front of your mind, You're just like you just
• 38:07
  Speaker 5: see opportunities and ask questions of people that are maybe
• 38:10
  Speaker 5: doing things that you aspire to do. I just don't
• 38:13
  Speaker 5: think people ask enough questions. Whereas I never had shame
• 38:16
  Speaker 5: in seeing someone come out of a nice, you know,
• 38:19
  Speaker 5: one hundred thousand, two hundred thousand dollars car and being like, hey,
• 38:22
  Speaker 5: do you mind me asking like what do you do
• 38:24
  Speaker 5: for a living?
• 38:25
  Speaker 3: Or yeah, so cool?
• 38:26
  Speaker 5: I just always ask the questions.
• 38:28
  Speaker 2: Yeah, because I want you to get and as if
• 38:31
  Speaker 2: someone're getting out of a really expensive car, mind saying
• 38:34
  Speaker 2: oh yeah, I do X y Z because they're like,
• 38:36
  Speaker 2: you know what, I worked really hard to get this car,
• 38:40
  Speaker 2: and I want to share with people that I'm proud
• 38:42
  Speaker 2: of myself. And this has been the most empowering episode ever,
• 38:45
  Speaker 2: don't you reckon?
• 38:46
  Speaker 3: I love it. I just I love like I love
• 38:49
  Speaker 3: money stories. I love learning about people's money and what
• 38:52
  Speaker 3: they do and how they do it and their grit
• 38:54
  Speaker 3: and their passion and just you know, opportunity, like just
• 38:57
  Speaker 3: understanding that we are in control of it, our journey
• 39:00
  Speaker 3: and that we yet to choose and you can kind
• 39:03
  Speaker 3: of create your own reality. Like one hundred have to
• 39:06
  Speaker 3: go to a private school, you don't have to go
• 39:08
  Speaker 3: to university, you don't have to do anything that more
• 39:11
  Speaker 3: often than not society has told us that we need
• 39:14
  Speaker 3: to do. And yet like I've loved this too, Thank
• 39:16
  Speaker 3: you Money.
• 39:17
  Speaker 5: Diarist, thanks for having me.
• 39:19
  Speaker 3: Oh my gosh, it has been a dream, my friend,
• 39:22
  Speaker 3: I've genuinely really enjoyed this.
• 39:24
  Speaker 2: Yeah too, thank you for sharing your story with us.
• 39:27
  Speaker 2: We love hearing everyone's tales.
• 39:30
  Speaker 3: Yeah, and as always, this is all we've got time
• 39:33
  Speaker 3: for today. So just before we head off, we'd like
• 39:36
  Speaker 3: to acknowledge and pay respect to Australia's Aboriginal and torrest
• 39:39
  Speaker 3: Rait Island of People's, the traditional custodians of the lands,
• 39:43
  Speaker 3: the waterways and the skies all across Australia. We thank
• 39:47
  Speaker 3: you for sharing and for caring for the land on
• 39:49
  Speaker 3: which we are able to learn. We pay our respects
• 39:51
  Speaker 3: to eldest past and present, and we share our friendship
• 39:54
  Speaker 3: and our kindness.
• 39:55
  Speaker 2: The advice shed on Cheese on the money is general
• 39:58
  Speaker 2: in nature and does not consider your individual your circumstances.
• 40:01
  Speaker 2: Shees on the money exists purely for educational purposes and
• 40:04
  Speaker 2: should not be relied upon to make an investment or
• 40:06
  Speaker 2: financial decision. And we promise that Victoria Divine is an
• 40:09
  Speaker 2: authorized representative of Australia Pacific Funds Management Proprietary Limited ABM
• 40:14
  Speaker 2: three four one three two four six three two five
• 40:16
  Speaker 2: seven AFSL three three nine one five one.
• 40:19
  Speaker 3: See you next week for another money diary