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MONEY DIARIES: DJ Tigerlily · She's On The Money

0:00
Speaker 1: She's on the Money. She's on the Money.
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Speaker 2: Hello, and welcome to She's on the Money, the podcast
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Speaker 2: for millennials who want financial freedom. Today we are having
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Speaker 2: a chat with.
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Speaker 1: Hey everyone, my name is Dara Hayes. You may know
0:27
Speaker 1: me as DJ Tiger Lily. I'm a DJ, a producer
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Speaker 1: and an influencer from Sydney, Australia and this is my
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Speaker 1: money Diary.
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Speaker 2: And let me tell you for those of you who
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Speaker 2: don't know Zara, she is an absolute legend and a
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Speaker 2: boss in her own right.
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Speaker 1: People still think I can't DJ or write music because
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Speaker 1: I'm a hot chick, and I'm like, come to one
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Speaker 1: of my shows and stand next to me and watch
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Speaker 1: me play because I'm a great DJ. It's quite frustrating
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Speaker 1: because it means that, like I don't know, there's something
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Speaker 1: about society. You can't be a good looking, confident woman
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Speaker 1: and like be intelligent or have an opinion or be
1:02
Speaker 1: really really really good at your craft. Like it's very frustrating.
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Speaker 2: And as always on our Money Diaries, Ryan John, you
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Speaker 2: are also here in the background, so let's get into
1:11
Speaker 2: the chat because to be honest, this was one of
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Speaker 2: my favorite chats I've ever had about money with someone
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Speaker 2: of influence. Let's jump straight into the structured questions. Yes,
1:24
Speaker 2: and you don't get any special treatment here. You get
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Speaker 2: all of the same questions all our money diarists do.
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Speaker 2: And the first question is can you please describe your
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Speaker 2: relationship with money?
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Speaker 1: I love this question so much, It's so interesting. I
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Speaker 1: have a really healthy relationship with money and have for
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Speaker 1: the last ten years. I think it's been quite a
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Speaker 1: work in progress. Though. My parents are definitely super middle class.
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Speaker 1: They both have good jobs, but you know, nothing crazy,
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Speaker 1: and they've always really implemented for me and my sisters
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Speaker 1: to save and to not be frivolous with our money.
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Speaker 1: So coming into adulthood, I was always a little bit
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Speaker 1: nervous to spend money and always had a little bit
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Speaker 1: of guilt around spending money on nice things. And I've
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Speaker 1: definitely tried to work through that in the last couple
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Speaker 1: or like the last ten years, and I feel like
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Speaker 1: I've got to a really good point now where I
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Speaker 1: feel comfortable with saving money but also confident with spending money,
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Speaker 1: which is a really nice place to be at. And
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Speaker 1: you know, just knowing what makes me feel good and
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Speaker 1: what is also smart to spend my money on and
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Speaker 1: kind of combining the two of them. But it's definitely
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Speaker 1: been a work in progress and it's crazy to see
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Speaker 1: how many even just small things or comments or you know,
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Speaker 1: situations from childhood can affect your money story massively. And
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Speaker 1: it's also been interesting being with my partner for the
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Speaker 1: last five years and combining our money stories together and
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Speaker 1: working as a team. Coming from you know, totally different
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Speaker 1: than it's been fun and exciting to like, you know,
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Speaker 1: be able to relate to other people and that's definitely
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Speaker 1: helped me a lot, I think with my relationship with
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Speaker 1: money as well. I love that.
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Speaker 2: So to ask a silly question, what do you do
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Speaker 2: for work in life, I'm DJ.
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Speaker 1: That's my mool That was my main form of income
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Speaker 1: until about twelve months ago, so the bulk of my
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Speaker 1: income was from live performances. And then twelve months ago
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Speaker 1: that obviously like stopped completely, which was, oh my god,
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Speaker 1: so nerve wracking. I had probably like six months worth
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Speaker 1: of shows lined up. Oh my gosh, they we're all canceled, yeah, postponed.
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Speaker 3: How long you're thinking, Oh, I might have to make
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Speaker 3: some changes to full stop. It's over like.
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Speaker 1: Twenty four hours, just like that.
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Speaker 3: Six months of income, plans, even schedule, maybe even more.
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Speaker 1: Yeah, like I had like New Year's E've booked in
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Speaker 1: and stuff like that. And this was in March, but
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Speaker 1: the day that was like the real pivotal moment. And
4:00
Speaker 1: I actually flew down to Melbourne to play the Grand
4:02
Speaker 1: Prix and I'd brought a massive crew with me. I'd
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Speaker 1: brought a saxophonist, a bongo drummer, a photographer would have
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Speaker 1: been so fun too.
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Speaker 3: Also, that's such a casual thing for you to say, oh,
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Speaker 3: just hanging out with a couple of bongo drammas driving.
4:14
Speaker 2: I have no creative license, so all of this is just.
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Speaker 1: So cool to me. I'm like, yeah, let's talk about money.
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Speaker 2: And you're like, so we've got a saxophonist, and I'm like,
4:22
Speaker 2: what you can get that?
4:23
Speaker 1: So what you can get that?
4:24
Speaker 3: You bring the whole crew down, Yeah, and play like.
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Speaker 1: A live set. It's they're both so epic, like I'll
4:30
Speaker 1: just be DJing and they'll totally add lib on my
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Speaker 1: whole set, which is my.
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Speaker 3: Gosh, so far right, But did you get to do
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Speaker 3: that show? Well?
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Speaker 1: So we landed at Melbourne Airport. Like I said to
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Speaker 1: my partner in that like that morning, I was like, God,
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Speaker 1: I don't know what's going on. There's all this stuff
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Speaker 1: coming into my phone, text messages, on calls and news stories,
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Speaker 1: and I was like, what are we going to do?
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Speaker 1: Got on the plane. I was thinking, look, it's going
4:51
Speaker 1: to be fine. It's gonna be fine.
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Speaker 2: And I think all of us said that to ourselves
4:55
Speaker 2: at the start, right, we were all.
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Speaker 1: Like, it's going to be two weeks, yeah, right, maybe
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Speaker 1: a month the longest. And then we landed in Melbourne
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Speaker 1: and I got a call from my agent and he's like,
5:03
Speaker 1: walk back upstairs and book the first flight home for
5:06
Speaker 1: all of you because nothing is happening. And I was like,
5:09
Speaker 1: oh my god. So we grubbed our bags and walked
5:12
Speaker 1: straight upstairs to Quantus and like booked the next flight home.
5:16
Speaker 1: And that day, like literally everything got canned.
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Speaker 3: Yeah, I remember that day so cooarly. I was the opposite.
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Speaker 3: I was in Melbourne and I was calling my manager
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Speaker 3: because I was flying to Sydney to host an event,
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Speaker 3: and I said, I don't want to get on this
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Speaker 3: flight because I know the event's not going to happen,
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Speaker 3: and he's like, trust me, it's on. Fine. I get
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Speaker 3: on the plane I land, phone beeps, go home.
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Speaker 1: Oh my god, what that's mental? Yeah, it's it's pretty
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Speaker 1: gnally when like, you know, you're just the whole movement
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Speaker 1: of getting ready to perform or you know, be host
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Speaker 1: an event, and it's just like stopped.
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Speaker 3: But did you think, oh, next weekend then, or did
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Speaker 3: you know right away this could be because I guess
5:53
Speaker 3: we thought, oh yeah, two weeks, you know, then we're back.
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Speaker 1: I was like quite aware that it was pretty bad
5:58
Speaker 1: because we traveled to America the month before to do
6:01
Speaker 1: some work with tourism like Brand USA, and me and
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Speaker 1: my photographer were like masking and like hand sanitizing the
6:10
Speaker 1: whole time, and everyone over there was just like, what
6:12
Speaker 1: are you doing? You're crazy? And so I was like,
6:14
Speaker 1: can tell you and wells on you America. Yeah, And
6:19
Speaker 1: so I was thinking, you know, it was probably pretty bad.
6:23
Speaker 1: I was quite nervous and anxious at that point about
6:25
Speaker 1: the whole thing. So I was thinking it was going
6:27
Speaker 1: to be a couple of months. Everyone around me was like, no,
6:30
Speaker 1: it'll be fine, you'll be back by September. I was
6:32
Speaker 1: like mmmm, And then like a week later I was
6:34
Speaker 1: like hmmm. And then like a month later I was
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Speaker 1: like told you I wouldn't be back by September, like
6:39
Speaker 1: twelve months later. We're finally kind of bad.
6:42
Speaker 2: COVID normal is what they're calling it now.
6:45
Speaker 1: God, all these terms you're on. It is true.
6:48
Speaker 2: I have replaced a question here and I'm gonna ask you,
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Speaker 2: have you ever asked for a pay rise?
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Speaker 1: If so, how I have definitely asked for multiple pay rises. Obviously,
7:00
Speaker 1: it's really non traditional in this industry. It's not like
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Speaker 1: I have one boss who I, oh.
7:06
Speaker 2: Of course look up to, so it doesn't make it
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Speaker 2: any less nerve recking tize say hey, I actually think
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Speaker 2: I'm worth more money than what you're currently offering.
7:14
Speaker 3: Right.
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Speaker 1: So I work quite closely with my agent, which is
7:19
Speaker 1: kind of nice because I have someone to kind of
7:22
Speaker 1: keep me leveled or back me up if we want
7:25
Speaker 1: to ask for more money. And every twelve months we
7:28
Speaker 1: kind of have a meeting and we say, Okay, what
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Speaker 1: are we charging, what does it look like? What value
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Speaker 1: are we bringing? And you know, I do remember some
7:35
Speaker 1: years I've gone in and said I think I'm worth more,
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Speaker 1: and he's like, well, these numbers haven't changed, these streams
7:42
Speaker 1: haven't changed. I think we keep it as is and
7:44
Speaker 1: I'm like feeling a bit deflated, buts though, Yeah. But
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Speaker 1: then other years he's like, absolutely, you know this and
7:50
Speaker 1: this has changed, this has gone up. You know, you're
7:51
Speaker 1: bringing so much more value to the clubs at the moment.
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Speaker 3: And so when they measure the clubs go when DJ
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Speaker 3: tiger Li is in, we get ten percent more people,
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Speaker 3: you know.
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Speaker 1: They yeah, they'll measure like a bar spend, people coming
8:02
Speaker 1: through the door, people pre signing up to guest I
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Speaker 1: didn't even know that. Yeah they can, and like that's cool.
8:09
Speaker 1: Measure bar spend at times as well, So like if
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Speaker 1: people are coming in early and spending, or if like
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Speaker 1: they're coming in late, they can measure so many different
8:17
Speaker 1: things clicks on links, follow throughs like that.
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Speaker 3: And so then this is that where you get your
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Speaker 3: power to say, hey, as you know when I'm on
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Speaker 3: you know, drinks are selling, people are booking in advance,
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Speaker 3: that's what you guys like, So.
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Speaker 1: Yeah, absolutely, And the more you have good examples of
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Speaker 1: you coming in and like selling a heap of tickets
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Speaker 1: or breaking records for whether it's you know, bar spend
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Speaker 1: or I don't know. At the moment, it's like pre
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Speaker 1: registering for events and stuff, like that, So all that
8:45
Speaker 1: kind of stuff really really helps. And yeah, so I
8:48
Speaker 1: have had to ask for like, you know, pay rises
8:50
Speaker 1: in that sense, but it is really good having someone
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Speaker 1: who has been able to kind of support and or
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Speaker 1: you know, navigate it with me. It's great having that buffer.
9:02
Speaker 2: I like that because I think that that's also something
9:04
Speaker 2: that a lot of people don't have. And even if
9:07
Speaker 2: it's not an agent, which you know, I don't have
9:09
Speaker 2: an agent. You guys were talking about your managers and
9:11
Speaker 2: I'm like, I.
9:12
Speaker 1: Reply to my own email. It's just on you guys,
9:16
Speaker 1: not anymore.
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Speaker 3: This is sitting on our laptop your emails right now,
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Speaker 3: watch your maw.
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Speaker 2: Okay, that is a very good point. But I definitely
9:23
Speaker 2: don't have a manager that works in the same capacity.
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Speaker 2: And I think that it's really important to remember, even
9:30
Speaker 2: if you don't have a manager or an agent, even
9:33
Speaker 2: having a friend to bounce back off and be like, hey, well,
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Speaker 2: this is the value I think I bring to the table,
9:37
Speaker 2: and then even sometimes being that friend for other people
9:39
Speaker 2: and being like, hey, like you said that you you know,
9:41
Speaker 2: wanted to pay rise, but like, what else are you
9:43
Speaker 2: bringing to the table this year that you weren't last year?
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Speaker 2: I think can help you have that conversation.
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Speaker 3: We did an episode on pay Rises and it's like
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Speaker 3: you've read the Bible and that because lots of people
9:53
Speaker 3: would go in and say, I want more money because
9:55
Speaker 3: I'm buying a car and I'm thinking of getting a
9:56
Speaker 3: mortgage and stuff. But you go in and say, here's
9:59
Speaker 3: what you get out of it, and he's sort of saying,
10:01
Speaker 3: and it's the same when you talk to a boss
10:03
Speaker 3: from pay Rise. Since I've been working here, I'm doing
10:06
Speaker 3: this well, I'm hitting my targets. I'm bringing in the
10:07
Speaker 3: business this much, and that's why I think I should
10:10
Speaker 3: be worth a little bit more. Instead of being like
10:12
Speaker 3: more money, please, you have to.
10:14
Speaker 1: Show them all the value that you're bringing, being like,
10:16
Speaker 1: I'm doing this and this now, I'm doing a B
10:18
Speaker 1: and C more than I was when I started. What
10:21
Speaker 1: would you do without me? Yeah, it's kind of you
10:24
Speaker 1: should be.
10:24
Speaker 3: Everyone who's Listening's agent DJ Tiger Lily will be negotiating
10:29
Speaker 3: on my behalf.
10:29
Speaker 1: I'll invite you. I'll invite you in for that.
10:31
Speaker 2: And also one day, when I luckily get married, I'll
10:34
Speaker 2: be like, who's the saxophonist? I want one of those?
10:37
Speaker 2: And the bono drama. Don't forget I need a DJ,
10:39
Speaker 2: a bongo drama. I need a saxophonist, like I'm having
10:42
Speaker 2: a party random.
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Speaker 3: Obviously the pricing would be more than the regular one.
10:46
Speaker 3: But do you get invited still to do weddings and
10:48
Speaker 3: private shows and stuff like that?
10:51
Speaker 2: You just say no?
10:52
Speaker 1: Yeah, I just say no. I do get asked to do.
10:55
Speaker 3: Is there a few like random millionaires that'll go, hey,
10:57
Speaker 3: look we're on the Sydney Harbor and we're ready. We're
10:59
Speaker 3: willing to pay well.
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Speaker 1: I don't know if there are hit me up in
11:04
Speaker 1: my Instagram a cheap rate, cheap rate for the millionaires.
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Speaker 2: Yeah, yeah, I like that.
11:12
Speaker 1: You know what? Actually I have been hit up two
11:14
Speaker 1: is in a row to go to Monaco and play
11:17
Speaker 1: on like millionaires boats.
11:19
Speaker 2: What are you doing saying no to this?
11:21
Speaker 3: Why are doing.
11:23
Speaker 1: I couldn't do both of the gigs because I already
11:26
Speaker 1: had like stuff that was pre booked. Teach them it's anca. Also,
11:33
Speaker 1: do not hire me as your agent.
11:35
Speaker 2: I'll be like, so you're ditching everybody, We're going.
11:37
Speaker 1: To I'm coming first classickets. Let's go. You're going to
11:41
Speaker 1: earn a whole lot less, but and piss off a
11:44
Speaker 1: heap of people. That is not my problem. That is
11:49
Speaker 1: all right.
11:50
Speaker 2: So next question, do you feel confident making decisions around money?
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Speaker 1: Yes and no, And this goes back to what we
11:57
Speaker 1: were talking about before in regards to having someone to
11:59
Speaker 1: be off which was my agent. There are some decisions
12:04
Speaker 1: which I definitely do feel confident about making, but that's
12:08
Speaker 1: definitely come with practice and over time. But shout out
12:13
Speaker 1: to my dad. He is actually the biggest legend and
12:16
Speaker 1: he helps me so much financially. He's like an accountant
12:20
Speaker 1: by trade, but now it does kind of other My.
12:22
Speaker 2: Dad's an accountant too. They are good eggs.
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Speaker 1: Yeah, they're so good, and he is really my I
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Speaker 1: suppose word of reason. I recently bought a new car
12:35
Speaker 1: and I was flogging my old car for like almost
12:38
Speaker 1: ten years and really needed a new one, but was
12:40
Speaker 1: putting it off because I am, deep down like a
12:42
Speaker 1: bit of a stinge.
12:44
Speaker 2: I love that, like I have no real need to
12:47
Speaker 2: be a stinge. But when a stinge, always a stinch.
12:50
Speaker 1: Yeah, I know. And it was getting to the point
12:52
Speaker 1: of it being quite ridiculous. The car really needed help,
12:55
Speaker 1: and the help was going to be expensive, so I
12:57
Speaker 1: just thought it's time to get something a bit newer
13:00
Speaker 1: and a bit more modern. And I found this secondhand
13:02
Speaker 1: car that I thought awesome, great, this ticks all the boxes.
13:05
Speaker 1: But I still was nervous to commit. So talked to
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Speaker 1: my dad and he's so good because he just runs
13:11
Speaker 1: kind of through the numbers with me. We like punched
13:13
Speaker 1: them out together and look at, you know, my budget
13:16
Speaker 1: and the timeline and how long it's going to take
13:18
Speaker 1: to pay off X y Z. And it's kind of
13:20
Speaker 1: nice to have someone there who can like just kind
13:24
Speaker 1: of assure me with big purchase items or like big
13:27
Speaker 1: kind of decisions that I'm doing something that isn't totally
13:31
Speaker 1: crazy and unnecessary. So did you buy your car secondhand?
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Speaker 2: Not brand new?
13:35
Speaker 1: Yeah? Who are a queen? As you said on your episode,
13:39
Speaker 1: and never buy a new car exactly.
13:42
Speaker 2: I feel like it's logical, and I think that a
13:44
Speaker 2: lot of people are like, oh, but if I had
13:46
Speaker 2: the money, I'd buy brand news. Like no, no, no, no,
13:49
Speaker 2: even people with money should not be buying brand new.
13:52
Speaker 1: It's silly. Can I tell you about my car? Because
13:54
Speaker 1: I want to know.
13:55
Speaker 3: I want to know is the one before the new one?
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Speaker 1: All right? Tell me about the new one? So I
14:02
Speaker 1: bought it from Pickles in Brisbane. So the auction mash,
14:06
Speaker 1: the auction thing. Yep. So I took a bit of
14:08
Speaker 1: a risk because it's Pickles. But I bought a car
14:12
Speaker 1: that was two years old, had really low mileage, like
14:15
Speaker 1: eight thousand k's on it, so.
14:16
Speaker 2: It had already hit the depreciation. You didn't have to
14:19
Speaker 2: carry that one.
14:20
Speaker 1: Yep, yep, yep. And what I didn't realize this was
14:23
Speaker 1: like an unknown win to me at the time. The
14:26
Speaker 1: Brisbane car market is totally different to the Sydney car mark.
14:31
Speaker 3: Every city is different.
14:32
Speaker 1: Yes, absolutely, I shipped the car down for five hundred bucks,
14:36
Speaker 1: but I reckon I saved almost twenty grand who compared
14:40
Speaker 1: to the car market.
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Speaker 3: Apparently Perth is the cheapest and I have to live
14:44
Speaker 3: in Perth. And a friend flew over, stayed with me
14:46
Speaker 3: for the weekend, picked up his new car and drove
14:48
Speaker 3: it back to Melbourne. He's like, oh, it's going to
14:50
Speaker 3: save me ten grand.
14:51
Speaker 1: I was like, okay, Well, the guy at Pickles in
14:53
Speaker 1: Sydney was saying what they would have been able to
14:55
Speaker 1: sell it for was, yeah, fifteen grand maybe plus what
15:00
Speaker 1: the guys in Brisbane were selling it for. And you know,
15:02
Speaker 1: I still got like a mechanic to go in and
15:04
Speaker 1: give it like a little once over. Obviously they can't
15:06
Speaker 1: fully hoist it up at Pickles and do all the
15:08
Speaker 1: in depth stuff, so you are running a little bit
15:10
Speaker 1: of a risk in that respect. But yeah, I am
15:14
Speaker 1: like a massive Pickles fan through and through to the
15:16
Speaker 1: point where I then sold them my old car because
15:18
Speaker 1: they made it so simple.
15:20
Speaker 3: Wow.
15:20
Speaker 1: Love Pickles. Yeah, shout out, shout out. That's your money
15:24
Speaker 1: to be sweet. Yeah, that is my money win for sure.
15:27
Speaker 1: I love that.
15:28
Speaker 2: But I do want to pivot away from cars for
15:30
Speaker 2: a second and ask you when you first started being
15:34
Speaker 2: a DJ, what were you charging? How did that work?
15:37
Speaker 1: Nothing? Nothing?
15:38
Speaker 2: You just did it for free, free drink cards.
15:40
Speaker 3: Baby, that'd be the same as most money win creative endeavors.
15:43
Speaker 2: Yeah, I think so, right, I felt like everybody starts
15:46
Speaker 2: for But it's interesting to know that story, right because
15:48
Speaker 2: obviously you're now at a point where you are in
15:51
Speaker 2: demand and you are actually a professional at this and
15:54
Speaker 2: so you're being paid for it. But I think it's
15:56
Speaker 2: interesting to understand the journey of like, how did you
15:59
Speaker 2: go from being free drink cards, which I mean at
16:01
Speaker 2: the time when you were probably starting. You're like, this
16:03
Speaker 2: is so epic, I get free drinks to want to
16:07
Speaker 2: charge for events, Like, how did you make that leap?
16:09
Speaker 2: Because I know in our community there are a lot
16:11
Speaker 2: of creatives and musicians and people that probably are doing
16:15
Speaker 2: free work at the moment. How do you know when
16:18
Speaker 2: is the time? But also how do you have that
16:20
Speaker 2: conversation because you don't have an agent? Then no, absolutely no,
16:23
Speaker 2: I didn't have an agent. I think for the first
16:25
Speaker 2: four years I was doing everything myself, from my bookings
16:29
Speaker 2: to my invoicing, to my tax to my like performance
16:33
Speaker 2: stuff everything, which is kind of overwhelming to think.
16:35
Speaker 1: About that now. So it's a really good question and
16:38
Speaker 1: there's no right answer, and it's kind of tricky to know.
16:41
Speaker 1: I think I was probably playing for free or for
16:45
Speaker 1: very low amounts, like twenty five dollars an hour. But
16:48
Speaker 1: when you think about like that sounds like a standard,
16:50
Speaker 1: but from a performance perspective, it's kind of different because
16:53
Speaker 1: if you've got a one hour set once a week,
16:56
Speaker 1: you're making twenty five dollars y yeah, and week.
16:58
Speaker 3: Thought about the music eler in the day, and you've
17:00
Speaker 3: got to.
17:00
Speaker 1: Get a preparation travel all that stuff. Yeah, So I
17:03
Speaker 1: think you know, that stayed like that for a couple
17:06
Speaker 1: of months, and I just took a bit of a
17:09
Speaker 1: leap in the deep end, and I remember like upping
17:11
Speaker 1: my invoice rate to like eighty five dollars an hour
17:14
Speaker 1: and thinking, oh God, what's going to happen here.
17:16
Speaker 3: I've ended my own career, I've overcharged.
17:19
Speaker 1: But people were actually totally fine with it. I remember
17:22
Speaker 1: having lots of different conversations with other DJs in the
17:24
Speaker 1: industry at the time, being like, what should I be charging?
17:27
Speaker 1: How much do you guys charge? So I think like
17:30
Speaker 1: asking people if you're in a creative industry that are
17:33
Speaker 1: around you and maybe at a similar ish level, that's
17:35
Speaker 1: also really helpful to get kind of some idea of
17:38
Speaker 1: what venues are willing to pay at the moment. In
17:41
Speaker 1: regards to the COVID stuff, it's like totally different to normal,
17:44
Speaker 1: even for me now being like a professional. I suppose
17:49
Speaker 1: everyone has different amounts of money to spend. So I
17:51
Speaker 1: think that's something really important to keep in mind if
17:53
Speaker 1: you are a creative at the moment, you know, trying
17:57
Speaker 1: to speak to whether it's clubs or gallery or whatever,
18:00
Speaker 1: about how much you're going to charge, But yeah, I
18:03
Speaker 1: would say, I spoke a lot to people around me
18:05
Speaker 1: and then yeah, did definitely take some random leaps and
18:11
Speaker 1: hope that they worked. And look, no one ever said
18:13
Speaker 1: no in those early days, but I wasn't asking for
18:17
Speaker 1: a really stupid amounts.
18:20
Speaker 3: Is the Djay world like collaborative in that people like, oh,
18:23
Speaker 3: these guys looking for people like you all helping each
18:24
Speaker 3: other out? Or is a bit competitive or a bit
18:26
Speaker 3: of both. It depends on the person. What's the sort of.
18:28
Speaker 1: Bit of both? Definitely depends on the person. And I
18:31
Speaker 1: would suggest if people are being dickheads and like, you know,
18:34
Speaker 1: really competitive, steer away from them because there are really
18:37
Speaker 1: nice people out there who will help. And I often
18:40
Speaker 1: get sent loads of random gigs on like Instagram or emails,
18:43
Speaker 1: and I pass them on to my agent and say, oh,
18:46
Speaker 1: this chick would be great for it, or this guy
18:48
Speaker 1: would be great for it, because I know it's not
18:49
Speaker 1: going to be suitable suitable for I say, as.
18:52
Speaker 3: The lowest earning person of my management talent agency, the
18:55
Speaker 3: leftovers I get from the bigger people is just fantastic,
19:01
Speaker 3: Thank you. They definitely won't be doing that, but Ryan's
19:03
Speaker 3: probably free like on that day, so he's ready to go,
19:06
Speaker 3: so get involved. But it's interesting though, because with when
19:09
Speaker 3: you are, you know, a freelancer, and it's a competitive marketplace.
19:12
Speaker 3: Some people are really helpful and like you said, I
19:16
Speaker 3: don't know, the word leftover sounds really bad, but.
19:18
Speaker 2: That's what it is. But you've got someone's crumbs.
19:20
Speaker 3: Yeah. But I actually saw this post the other day.
19:22
Speaker 3: I think someone shared it in the Shehes in the
19:23
Speaker 3: Money group. But it was like, surround yourself with women
19:26
Speaker 3: who would bring your name up when an opportunity arises.
19:28
Speaker 1: I like that.
19:29
Speaker 3: Yeah, So is that the kind of people that someone says, hey, Ryan,
19:32
Speaker 3: do you can you detail thing?
19:34
Speaker 2: No?
19:34
Speaker 3: I can't, but you know I know someone who can
19:36
Speaker 3: versus someone goes no, and it doesn't help me. So
19:38
Speaker 3: then I'm not interested anymore.
19:39
Speaker 1: I really don't mentality yet.
19:41
Speaker 2: No, And I just feel like you are lifted by
19:44
Speaker 2: lifting other people. And you say this all the time,
19:46
Speaker 2: Ryan saying yeah, what's you're saying?
19:49
Speaker 1: No? No, no, I want to hear it from the master.
19:51
Speaker 3: A rising tide lifts all boats.
19:53
Speaker 1: It does warms my heart, Yeah.
19:57
Speaker 2: It does, Like you know, you don't actually dull your
20:00
Speaker 2: by shedding it on other people and other people's lights.
20:03
Speaker 2: It's just so much more powerful together. And you know,
20:05
Speaker 2: we get this a lot in finance where people are like, oh,
20:08
Speaker 2: why did you let another financial advisor on your podcast?
20:10
Speaker 2: All this, and I'm like, it just makes the world
20:12
Speaker 2: a better place. Like I'm not here to talk about
20:16
Speaker 2: you know, just me, Like it's better when it's together.
20:18
Speaker 3: Yeah, And if you want to email us at DJ
20:21
Speaker 3: at Tiger Lily's Leftovers that she's on the money dot
20:23
Speaker 3: com dot au, we can put you up just about
20:25
Speaker 3: your career.
20:25
Speaker 2: I'm not a DJ, but you know what I can do,
20:27
Speaker 2: get one of your sets on YouTube and play it
20:29
Speaker 2: for them.
20:30
Speaker 1: Hell's yeah, I can do that.
20:32
Speaker 3: I could he some drinks accounts a part of the right.
20:39
Speaker 1: Come, it's off the airways, right and drop. What would
20:43
Speaker 1: your DJ name be?
20:44
Speaker 2: DJ VICKI d love it girlfriend, It'd be disgusting, but
20:50
Speaker 2: it works.
20:53
Speaker 1: Oh my gosh.
20:54
Speaker 3: Yeah.
20:54
Speaker 1: Australia is such a tall, poppy syndrome community, I think,
20:59
Speaker 1: especially when it comes still like niche markets. So yeah,
21:03
Speaker 1: it's interesting and I do remember like so many you know,
21:07
Speaker 1: funny stories where DJs are like elbowing each other out
21:10
Speaker 1: of the way to get to get gigs. Pretty much,
21:12
Speaker 1: and I think it definitely pays off just being super
21:14
Speaker 1: friendly and honest and you know, a genuine nice person,
21:18
Speaker 1: and like you miss out on gigs, Like to this day,
21:20
Speaker 1: I still miss out on gigs because like we're not
21:23
Speaker 1: pushy enough or we're not charging low enough rates. But
21:25
Speaker 1: I think there is also merit in keeping your ground
21:30
Speaker 1: as a creative with how much you're willing to charge
21:32
Speaker 1: and how much value you think that you bring to
21:34
Speaker 1: the table. So to all my creatives out there, value yourselves.
21:38
Speaker 1: You guys are important.
21:40
Speaker 3: So we talk a lot about this, and especially she's
21:42
Speaker 3: on the money as a business and other things that
21:44
Speaker 3: Victoria and I do a lot of creatives. Now, it's
21:47
Speaker 3: not necessarily I have this one thing that I do
21:49
Speaker 3: that I make money. It's like having these multiple little
21:52
Speaker 3: trickles and stuff. So don't go into detail. But with
21:56
Speaker 3: doing Instagram stuff you mentioned before, you do so the
21:58
Speaker 3: influencer work and DJs. Like, how many different ways are
22:01
Speaker 3: there that you make money?
22:02
Speaker 1: Yes, lots, which is great, And this is something that
22:05
Speaker 1: I really wanted to talk about because it's what I
22:07
Speaker 1: really wanted to is diversifying your income streams for maximum safety.
22:12
Speaker 1: And like this last twelve months has been. So it's
22:16
Speaker 1: like it has just shown me that through and through
22:17
Speaker 1: because I literally would make I reckon seventy percent of
22:20
Speaker 1: my income from like music and performing and stuff, and
22:23
Speaker 1: it literally went down to zero and I had to think, Okay,
22:26
Speaker 1: what else, Oh, like what am I going to do
22:28
Speaker 1: to kind of compensate this and keep my staff employed
22:31
Speaker 1: and keep my business alive? And so social media really
22:34
Speaker 1: did take a massive kind of step up in that respect,
22:38
Speaker 1: and yeah, it's definitely plays quite a major part even
22:42
Speaker 1: at the moment in regards to making money for me.
22:47
Speaker 1: I have different types of relationships on social media, so
22:49
Speaker 1: ongoing sponsorships as well as more short term like you know,
22:54
Speaker 1: one to two to three month relationships with brands which
22:56
Speaker 1: is really awesome. And then also have like a share portfolio,
23:02
Speaker 1: but it's a very long term perspective share portfolio. So
23:06
Speaker 1: I'm mouff to my own heart, Yeah, not intending on
23:09
Speaker 1: touching it anytime soon. So I wouldn't say, oh, yeah,
23:11
Speaker 1: I'm making money from that, but you.
23:13
Speaker 2: Are making money from that, and that income is I'm
23:16
Speaker 2: assuming being reinvested for your future.
23:18
Speaker 1: Yes, absolutely, so, yeah, long term Futurdara will hopefully be
23:23
Speaker 1: very thankful.
23:23
Speaker 3: So would you put yourself in a similar category to
23:27
Speaker 3: an athlete in that I'm guessing the lifestyle of being
23:30
Speaker 3: up at three am playing music, traveling, djaying is maybe
23:34
Speaker 3: a young person's game, and when you're fifty or sixty
23:36
Speaker 3: you don't want to do it anymore. Like are you
23:38
Speaker 3: sort of thinking I got to earn the money now
23:40
Speaker 3: while I can kind of vibe?
23:41
Speaker 1: Yeah, my partner says I will be djaying when I'm
23:44
Speaker 1: sixty with a blue wig on sid Are I really
23:48
Speaker 1: hope for my sake and our future children's sake that
23:51
Speaker 1: I'm not? Is that like very sorry?
23:53
Speaker 2: I want you to be doing it? If that wouldn't
23:56
Speaker 2: be so cool?
23:57
Speaker 3: Is that something you were aware of it? Like, oh,
23:59
Speaker 3: like I can't just assume that what I earned and
24:01
Speaker 3: how I earned it this year is how I'll earn
24:03
Speaker 3: it in ten years. Yeah.
24:04
Speaker 1: Absolutely, I'm like, very very very aware of that, which
24:08
Speaker 1: is why I have tried to be relatively smart with
24:12
Speaker 1: my money and not buy you know, really ridiculously expensive
24:16
Speaker 1: you know, why don't buy a designer anything, Like, don't
24:19
Speaker 1: buy you know, stupid crazy sports cars that I know
24:21
Speaker 1: a lot of, like athletes or same musicians do. I've
24:25
Speaker 1: tried in the last five years to work really well
24:27
Speaker 1: with my financial advisors and set up long term, hopefully
24:32
Speaker 1: safe investments for the future because I am really aware that,
24:36
Speaker 1: you know, I'm twenty nine now. Let's say I have
24:39
Speaker 1: kids in four years. I don't know how that's going
24:42
Speaker 1: to go. Being pregnant and having babies and being up
24:44
Speaker 1: at three am d jing like I don't necessarily see
24:47
Speaker 1: the two lifestyles is very conducive, and I really want
24:51
Speaker 1: to create and set up an environment where I feel
24:54
Speaker 1: like I can take time off to have kids and
24:57
Speaker 1: can then you know, after I've done that, be like, Okay,
25:00
Speaker 1: what's the situation, what do I feel like doing? So yeah,
25:02
Speaker 1: I'm very aware that I mentor in my thirties and
25:07
Speaker 1: you know, want to have kids soon and also don't
25:10
Speaker 1: know how much longer I will be DJing for It's
25:13
Speaker 1: kind of a scary thought. But then there's also so
25:15
Speaker 1: much opportunity, Like social media, for example, is just absolutely
25:19
Speaker 1: brilliant with what it allows you to do. There's so
25:21
Speaker 1: much on there and the scope is so huge. So
25:24
Speaker 1: I'm not worried, I'm excited, but it's definitely something.
25:27
Speaker 2: I'm aware of all right, So you mentioned your share
25:30
Speaker 2: portfolio before, and my next question is probably already answered,
25:35
Speaker 2: but that is do you currently invest? If so, how,
25:37
Speaker 2: And I'd like to know a little bit more about
25:39
Speaker 2: one how you made the decision to invest, because we
25:41
Speaker 2: already know you do, but two like what does that
25:44
Speaker 2: look like for you?
25:45
Speaker 1: Yeah? Cool? Love this? So I suppose I invest in
25:49
Speaker 1: two different types of ways in that super being that like,
25:53
Speaker 1: you know, investment that we all kind of should be doing.
25:56
Speaker 1: And then I do have a share portfolio that I
25:58
Speaker 1: have created with my financial advisors. Initially, when they made
26:03
Speaker 1: it for me five years ago, I didn't know anything
26:06
Speaker 1: about anything, and I just thought it was, you know,
26:10
Speaker 1: going and popping into the market and having a bit
26:13
Speaker 1: of fun and that was it. And I only realized
26:16
Speaker 1: last year crazy that there were things that my money
26:20
Speaker 1: was being invested in that I didn't approve of, being
26:22
Speaker 1: like mining and coal and live animal exports, tobacco, gambling,
26:26
Speaker 1: all this kind of stuff. So twelve months ago ish
26:30
Speaker 1: I worked with my financial advisors on changing that to
26:33
Speaker 1: a total green portfolio, which was epic. It wasn't the
26:37
Speaker 1: smartest financial decision because I suppose the green market is
26:42
Speaker 1: kind of newer so there's less I suppose reliability. It's
26:44
Speaker 1: not like those blue chip stuff that just like are
26:46
Speaker 1: super reliable.
26:47
Speaker 3: Yeah, but they could be the big, juicy long term
26:49
Speaker 3: wins though you say it's not as valuable, mate, Like,
26:51
Speaker 3: who's to say, yeah, it may.
26:53
Speaker 1: Be yeah, yeah.
26:54
Speaker 2: And I find that really interesting because I have that
26:56
Speaker 2: conversation with clients all the time because I'm an ethical
26:59
Speaker 2: owner investor, so a lot of people are always saying like, Okay,
27:03
Speaker 2: well the market performs said this, and I go, well, okay,
27:06
Speaker 2: but in my business, we don't actually compare to that
27:09
Speaker 2: benchmark because that benchmark is an indicative of the stocks
27:13
Speaker 2: that we're looking at here. So I even find it
27:15
Speaker 2: quite interesting when you do compare it because they're completely
27:18
Speaker 2: different asset classes, They're completely different investments in my eyes,
27:22
Speaker 2: so if you compare it to the average, it's kind
27:24
Speaker 2: of like, yeah, I'm obviously taking a little bit of
27:26
Speaker 2: a hit, But personally, I don't genuinely believe that in
27:30
Speaker 2: fifty years, when I will still actually be alive, give
27:33
Speaker 2: a modern science, the stocks that other people who are
27:37
Speaker 2: investing in today will be as profitable because I feel
27:39
Speaker 2: like there's a lot of scarcity involved in those as well. Absolutely,
27:42
Speaker 2: and we're getting smarter and we have bigger voices, and
27:45
Speaker 2: like we talk about live animal experts. I hate live
27:48
Speaker 2: animal exports and I really yeah, it makes me sick.
27:51
Speaker 2: I cannot even watch those videos. People send them to
27:53
Speaker 2: me and they're like, hey, watch this.
27:55
Speaker 3: A lot of people send them to you because I am.
27:57
Speaker 2: That they know that I'm some kind of vicky vegan
28:00
Speaker 2: hippie and they actually are like, oh, you'll love this.
28:02
Speaker 2: I'm like, no, no, no, That's why I'm not eating at them.
28:04
Speaker 3: I'm actively avoiding this.
28:06
Speaker 2: I actively avoid this. I can't see that being the future.
28:10
Speaker 2: And so for my business, it's investing in the future,
28:13
Speaker 2: and it just makes sense. So you're right, you probably
28:15
Speaker 2: take it your financial hit now. It's also a bit
28:17
Speaker 2: more expensive to invest ethically because it involves being more involved.
28:22
Speaker 1: Yes, there was more expenses in that respect, and then
28:24
Speaker 1: also expenses in changing the portfolio over, but absolutely no regrets.
28:29
Speaker 1: For me. It was like a non negotiable when I
28:31
Speaker 1: found out that, you know, my money was helping or
28:34
Speaker 1: assisting or being invested in things that I wasn't okay with. Yeah,
28:37
Speaker 1: we changed it over immediately, which was cool. And then
28:39
Speaker 1: the final thing is I've been really really lucky enough
28:42
Speaker 1: to be able to invest in some property, which has
28:46
Speaker 1: been cool. And once again, it's just like slow, long
28:50
Speaker 1: term burns, not trying to make quick cash grabs or
28:53
Speaker 1: quick wins. The point of them is to have them
28:56
Speaker 1: there and have them tick away and slowly pay them.
29:00
Speaker 3: Have you been even there? She's on the money Facebook group. Yes,
29:03
Speaker 3: there has been some significant landlord v Renter passionate discussions.
29:11
Speaker 3: There's savage I'm a landlord and a rentor. I'm literally
29:14
Speaker 3: both sides of the argument, and I'm sitting there being like,
29:16
Speaker 3: oh my god, my.
29:19
Speaker 1: Own group, what are you guys? It is really difficult though,
29:26
Speaker 1: because I try and be a really great understanding landlord landlord,
29:31
Speaker 1: and then you really hope, like the goodcom will come
29:33
Speaker 1: back to you and like, you know, make your landlord
29:36
Speaker 1: be super nice to you. We have a great we're
29:37
Speaker 1: renting at the moment, and we have a great landlord,
29:39
Speaker 1: which is awesome, but like you know, that could change.
29:41
Speaker 3: Yeah, so you're the same to me, You're both sides
29:43
Speaker 3: of the story. Yeah.
29:43
Speaker 1: Absolutely.
29:44
Speaker 2: I think it's really interesting though, because so many people
29:47
Speaker 2: think that landlords must just be these really rich moguls
29:50
Speaker 2: that have millions of houses and like that's how they
29:52
Speaker 2: derive their income. And it's like, no, I bought that
29:54
Speaker 2: property with the money that I've worked my ass off
29:57
Speaker 2: to get, and now that income is you know, my
29:59
Speaker 2: future in my retirement, and you are putting me in this.
30:02
Speaker 3: Box of being mogal that probably barely breaks even. Yeah, yeah,
30:07
Speaker 3: are usually a bit of a loss.
30:08
Speaker 1: Yeah exactly, I'm not exactly. I mean, you're not rich, but.
30:15
Speaker 3: Excuse me the attitude with Victoria around.
30:19
Speaker 2: So moving on, I feel like you've got a lot
30:22
Speaker 2: of good money habits, but I'd like to ask you,
30:24
Speaker 2: what is your worst money habit?
30:27
Speaker 1: Yeah? This is bad. So I never shop, but when
30:31
Speaker 1: I do, I am a really terrible shopper. I go
30:35
Speaker 1: online in a rage, thinking I'm sick of all the
30:38
Speaker 1: clothes I wear. I probably buy like four or five
30:41
Speaker 1: hundred dollars worth of things, which is, you know, let's
30:44
Speaker 1: say five outfits, a heap of them, like will calm,
30:47
Speaker 1: they won't fit properly, and I'll be like, yeah, I
30:49
Speaker 1: will send them back. I will send them back. And
30:51
Speaker 1: then like I'm pushing it to like that twenty eight
30:54
Speaker 1: day limit and then off and if forget, and I
30:56
Speaker 1: literally hate myself for it so much much for not
31:00
Speaker 1: doing that. What do you say, twenty four hours think
31:03
Speaker 1: about it? Yeah, way, I don't do that. I get
31:05
Speaker 1: on in a rage and I just purchase all this
31:07
Speaker 1: stuff and it's really toxic. So that's my money confession. First,
31:12
Speaker 1: I love that we relatable.
31:15
Speaker 3: We may have another use for DJ Tiger Lily's leftovers
31:17
Speaker 3: that she's on the money. If you want some clothes,
31:20
Speaker 3: make them.
31:20
Speaker 1: You're really fashionable.
31:21
Speaker 3: Do you feel, as, especially as a female being in
31:25
Speaker 3: the entertainment industry, the pressure to always be wearing something
31:29
Speaker 3: different because you're on Instagram all the time, and heaven
31:31
Speaker 3: forbid you would wear the same clothes again? Right?
31:33
Speaker 1: Yeah? I used to, But I'm like a massive fan
31:36
Speaker 1: of like re wearing stuff now. Also, so you know
31:39
Speaker 1: about sustainability and you know, reusing as much stuff as
31:43
Speaker 1: we can. So I've started this actually cool habit which
31:46
Speaker 1: I really like, is like putting clothes away in a
31:48
Speaker 1: box that you just forget about. Like I get those
31:50
Speaker 1: big plastic km up things the sixty leader tubs, pop
31:53
Speaker 1: them away in the spare room, and then like two
31:55
Speaker 1: seasons later, you open the box up and it's like
31:58
Speaker 1: having you close. She's a genius, so so so good.
32:04
Speaker 1: So yeah, I definitely do feel the pressure a little bit.
32:07
Speaker 1: And I'm a massive fan of hiring. I hire like
32:09
Speaker 1: a lot of my outfits for you know, events and
32:11
Speaker 1: bits and pieces, and love doing loans from companies as well,
32:15
Speaker 1: because then you're not actually having to buy stuff and
32:18
Speaker 1: other girls can be loaning it, so that's really cool
32:21
Speaker 1: as well. It's a nice advantage of having the ability
32:24
Speaker 1: to do that.
32:25
Speaker 2: Second last question of the formatted questions, what are you
32:28
Speaker 2: currently saving for? Do you have a big money goal
32:30
Speaker 2: at the moment?
32:31
Speaker 1: Well, Scott and I, my partner, got engaged last week and.
32:35
Speaker 2: I saw that I was going to stout your ring,
32:38
Speaker 2: but I also thought that maybe I'm not going to
32:40
Speaker 2: ask off the bat having just met it.
32:42
Speaker 1: It's crazy.
32:43
Speaker 3: How did that ring fit in this studio?
32:44
Speaker 1: I don't know? And Scott designed it himself.
32:47
Speaker 2: What he's a hold on?
32:49
Speaker 1: Hold on?
32:49
Speaker 2: So is there diamond band on with it or is it?
32:53
Speaker 1: Yes, it's like attached.
32:54
Speaker 2: I love it.
32:55
Speaker 1: I know.
32:56
Speaker 2: I was so pervy and I was like, I'm not
32:57
Speaker 2: going to ask you straight off the bat, that's so
33:00
Speaker 2: ask me.
33:00
Speaker 1: I love when people ask him like.
33:02
Speaker 3: And was it a complete surprise or did you know
33:05
Speaker 3: what was coming? Or tell us everything.
33:06
Speaker 1: Total surprise, absolute, total surprise. I'm a pain in the ass,
33:09
Speaker 1: and so I'm like sending Scott rings being like, you know,
33:12
Speaker 1: be lovely to get married.
33:13
Speaker 3: You know, it's really it sounds like someone I know,
33:15
Speaker 3: Victoria divine.
33:17
Speaker 1: I'll do what you have to say. My employ was
33:19
Speaker 1: none of our friends are married yet, so I was like,
33:21
Speaker 1: you know, you want to be the first. So people
33:23
Speaker 1: are like so excited for your wedding, and it's like
33:26
Speaker 1: get in first, the biggest, best party, and then all
33:28
Speaker 1: the other rests, all the rest will like you know,
33:30
Speaker 1: have to like compare to yours, which are first. Are
33:33
Speaker 1: you're going to DJ you're in wedding? No way, no way,
33:36
Speaker 1: no way, no way.
33:38
Speaker 3: Work at your own wedding.
33:39
Speaker 1: No.
33:39
Speaker 2: But some people, like if they're musicians, they're like sing
33:42
Speaker 2: at their own wedding or maybe.
33:43
Speaker 1: Like it was a ten minute set, maybe a ten
33:45
Speaker 1: minute set right at the end of like three Aye,
33:47
Speaker 1: that would be so funn Will.
33:48
Speaker 3: You knock out a few taxi turns at your wedding?
33:52
Speaker 1: Well, I give that money.
33:53
Speaker 2: Advice left friend I'll be like, guys, this is the
33:56
Speaker 2: money win for you.
33:57
Speaker 1: The tab is on me.
33:58
Speaker 3: Here's a question, how am I to you planning on
34:00
Speaker 3: spending for a wedding, because weddings can be anywhere from
34:03
Speaker 3: zero to literally hundreds of thousands of dollars.
34:06
Speaker 2: Well, the average wedding in Australia is apparently fifty two
34:09
Speaker 2: thousand dollars as of a twenty nineteen study that I
34:12
Speaker 2: was reading literally the other day.
34:14
Speaker 1: Yeah, that's a lot of dollars. Yeah, we don't know.
34:17
Speaker 1: So obviously we're still in like I'm still shocked, Like
34:20
Speaker 1: I look at it and I'm surprised.
34:21
Speaker 2: I'll be around there on my finger. Yeah, I'm just
34:23
Speaker 2: behind the mic and I'm trying to work.
34:26
Speaker 1: But in regards to I don't know. I said to Scott,
34:28
Speaker 1: we should start like a wedding saving account and just
34:31
Speaker 1: like directly deposit X amount each week for both of
34:33
Speaker 1: us so we can save up like hopefully pretty quickly
34:36
Speaker 1: for the next twelve months and make that a priority.
34:39
Speaker 1: I don't know how much, Like we don't have a
34:41
Speaker 1: budget yet because we haven't spoken about any of it.
34:44
Speaker 1: We had some really good friends just get married. A
34:48
Speaker 1: couple of weeks ago, and I think their wedding came
34:51
Speaker 1: in around oh, I don't know. It was probably a
34:54
Speaker 1: bit over the average. And it's a lot of money
34:57
Speaker 1: to be thinking about we do have, or.
35:00
Speaker 3: It's exciting or when you think of the money side
35:02
Speaker 3: of it, like it's one of.
35:03
Speaker 1: These things where like it's terrifying because you're like, oh,
35:06
Speaker 1: that's like a pretty good deposit on a house, Like yeow,
35:08
Speaker 1: it's crazy, what a waste. But it is also exciting
35:12
Speaker 1: in that Scott and I both do have good jobs,
35:15
Speaker 1: and we are both conscious of the fact that, you know,
35:18
Speaker 1: let's spend good money on the stuff that we really
35:21
Speaker 1: care about and cheap out or skip the stuff that
35:24
Speaker 1: we you know, don't want. Like we're not going to
35:26
Speaker 1: have an engagement party. I think we'll have some friends
35:29
Speaker 1: over and have a barbecue in the backyard stuff like that.
35:32
Speaker 1: Like we're not going to do the high t's and
35:34
Speaker 1: all that type of celler tees or whatever they're called.
35:36
Speaker 3: Don't spend eight dollars per seat on a ribbon for
35:38
Speaker 3: the chair.
35:39
Speaker 1: Yeah, none of that. I mean, wait, hold on, did
35:42
Speaker 1: you not do that at your wedding?
35:44
Speaker 3: Yeah?
35:45
Speaker 1: Geniuses? The two chairs so good, But we do have
35:50
Speaker 1: an awesome like money in with the wedding. In that
35:53
Speaker 1: Scott's parents live on an epic property, it's going to
35:56
Speaker 1: be so so yeah, we're going to try and do
35:59
Speaker 1: it there. And which you know, venues around Sydney are
36:03
Speaker 1: like twenty grand kind of minimum, a huge wait list.
36:07
Speaker 2: I mean, yeah, complete any date you want, yes, unless
36:11
Speaker 2: they're hosting other weddings.
36:12
Speaker 1: Well, funnily enough, Scott's sister got engaged five days after us.
36:16
Speaker 2: See audacity would have.
36:18
Speaker 3: Been so pierce to find out that you're snuck in
36:20
Speaker 3: by a.
36:24
Speaker 1: Anyway, So I think they're going to get married sooner
36:28
Speaker 1: rather than later. So maybe in like September October from
36:30
Speaker 1: the you know, the one quick conversation we've had with them,
36:33
Speaker 1: So you can let them do that. They can trial
36:36
Speaker 1: the venue, absolutely you can. Then in their twelve months time,
36:39
Speaker 1: we'll take all their tips and genius.
36:41
Speaker 3: Yeah, I have a random question and just let me
36:44
Speaker 3: go on the record of saying myself and I'm assuming
36:47
Speaker 3: Victoria's all for this, so don't feel like it's awful
36:49
Speaker 3: to say you do it ethically morally. Whatever. If some
36:53
Speaker 3: brand was like, hey will chip in for the wedding
36:56
Speaker 3: and supply the our brand of sparkling champagne or something.
37:00
Speaker 3: Would you take the cash and the stuff? And like
37:02
Speaker 3: I said, I would.
37:03
Speaker 2: Percent just putting on record that if anybody at some
37:05
Speaker 2: point when I do manage to get engaged and convinced
37:08
Speaker 2: Steve that it is a good idea, I'll take it.
37:10
Speaker 3: Yeah, what would you? Obviously it depends on brand in
37:14
Speaker 3: theory one thousand.
37:16
Speaker 1: Yes, I've already been hit up by three dress companies
37:19
Speaker 1: and I am one hundred percent going to work with
37:23
Speaker 1: one of them because why not. Oh my gosh, as
37:26
Speaker 1: if not, like it's such, I don't mean so can
37:28
Speaker 1: and look at the end of the day like you look,
37:30
Speaker 1: I don't know. I've been obsessed with wedding photos the
37:32
Speaker 1: last nine days and like looking through everyone's wedding stuff
37:36
Speaker 1: and everyone's tagged anyway, So like you know, when it's like,
37:40
Speaker 1: you know, hair by this person, make.
37:41
Speaker 3: It, it'll be a pretty subtle hashtag spun, won't it. Yeah?
37:45
Speaker 2: And it sounds wanky right now. I definitely don't have
37:47
Speaker 2: enough followers to justify any of this, but I have
37:50
Speaker 2: a lot of clients that do. And you kind of
37:52
Speaker 2: go people following you because they're genuinely invested in your
37:55
Speaker 2: journey and what you're up to, and it gives that
37:57
Speaker 2: brand if they're willing to part with that. I don't
38:00
Speaker 2: really love when influencers slide into brand stams and like
38:02
Speaker 2: give us free stuff, but that gives them such great
38:05
Speaker 2: exposure to a community that genuinely want to be.
38:08
Speaker 1: More like you or see what you're up to. Like,
38:11
Speaker 1: it's fantastic as long as like the brands aligned, which
38:14
Speaker 1: I think for wedding generally they like will so yeah,
38:18
Speaker 1: but then also we're conscious, like Scott and I spoke
38:19
Speaker 1: about this the other day after we've gotten hit up
38:22
Speaker 1: from the dress companies like not taking people for a
38:25
Speaker 1: ride as well, because like that's their bread and butter,
38:27
Speaker 1: so like figuring it out. But yes, if you want
38:30
Speaker 1: to give me a discount for something wedding, hit me totally.
38:33
Speaker 1: Champagne would be great.
38:35
Speaker 2: Way hit us up.
38:37
Speaker 3: We're friends with Yeah, we are.
38:40
Speaker 1: Anyway back to the original question, that will be definitely
38:43
Speaker 1: the next twelve months of saving. It wasn't on the
38:47
Speaker 1: plan life plan, but that's fine, work we work with it.
38:51
Speaker 2: Like I wasn't going to ask you that question, and
38:53
Speaker 2: then I knew you got engaged, So I was like, I'm.
38:54
Speaker 1: Gonna ask her because you bring up a wedding. I'm
38:57
Speaker 1: happy to talk about weddings all the time.
39:00
Speaker 2: So last question before we jump into a break, how
39:04
Speaker 2: would you rate yourself if I forced you to give
39:05
Speaker 2: yourself a financial reading.
39:07
Speaker 1: I feel pretty proud of my development with money and
39:12
Speaker 1: like what I've done shout out to my dad and
39:14
Speaker 1: my great accountants. So I feel like I'd give myself
39:18
Speaker 1: an A because I feel like I still have room
39:22
Speaker 1: to move and to probably be a little bit more
39:25
Speaker 1: savvy with general spending. But for the most part, I
39:28
Speaker 1: feel like I'm really proud of the way I've invested
39:31
Speaker 1: my money over the last ten years. I love that.
39:34
Speaker 2: Yeah, I'm going to ask you so many more questions
39:36
Speaker 2: about that, right, I love? Did this really quick break?
39:45
Speaker 2: All right, let's jump straight back into it.
39:47
Speaker 1: Dara.
39:48
Speaker 3: You said that your financial literacy or just interested in
39:52
Speaker 3: it came from your dad. He was an accountant. Did
39:54
Speaker 3: he literally sit you down and be like, okay, it's
39:57
Speaker 3: homeschooling money time or how does that come about with him?
40:01
Speaker 1: I think it's not been an exact sit down, A
40:03
Speaker 1: good conversation of let's talk about money It was more
40:08
Speaker 1: along the lines of a couple of years into the
40:10
Speaker 1: business and things started to go really well, and it
40:14
Speaker 1: was obvious that I needed some help with organizing stuff
40:18
Speaker 1: because stuff just wasn't getting done, and there was money
40:21
Speaker 1: coming in and there was money going out. And I
40:24
Speaker 1: always had a bit of an anxiety of not actually
40:27
Speaker 1: knowing how much money I owned, and running your own business,
40:33
Speaker 1: you obviously have to pay your own tax and your
40:35
Speaker 1: own super and you know, things like insurance and worker
40:39
Speaker 1: scump and all these really gross bills, but they only
40:42
Speaker 1: really ever come up, like once a quarter or once
40:44
Speaker 1: every twelve months, and so at the beginning, I was
40:47
Speaker 1: really unaware of how much money I actually had and
40:50
Speaker 1: like what I was actually doing. And so Dad was
40:52
Speaker 1: really great at coming in and helping me set up
40:56
Speaker 1: processes and using zero and like getting a great like
41:00
Speaker 1: you know, finance team on board to like, you know,
41:02
Speaker 1: help me make some smart long term decisions. So he's
41:06
Speaker 1: been really good in that respect, and I love his
41:10
Speaker 1: outlook on finance, and he loves spending, but he also
41:14
Speaker 1: loves saving, but spending things on the right things like
41:17
Speaker 1: shares or property. Him and Mum are pretty frugal with
41:21
Speaker 1: their spending. I'm definitely no where here is frugals. Oh
41:26
Speaker 1: my gosh, my mom is horrified of the things I
41:28
Speaker 1: spend my money on, like fourteen dollars vegan cheese, but
41:31
Speaker 1: it's so delicious. I'm sorry.
41:34
Speaker 2: Agree biocheese. It's biocheese, isn't it. You don't like biocheese?
41:38
Speaker 2: I like Delecto's. Do you have Harri's Farm here?
41:42
Speaker 1: I don't think so. It's like a big supermar grosser
41:45
Speaker 1: in Sydney. You'll be able to get Delecto online. They
41:47
Speaker 1: do a blue cheese and it literally tastes like blue cheese,
41:49
Speaker 1: but it's really expensive. Yeah, ask yess how much I
41:53
Speaker 1: spent all food?
41:54
Speaker 3: Is?
41:54
Speaker 1: Yes? Pretty bad.
41:55
Speaker 3: What's your parents' vibe and your vibe on how money
41:58
Speaker 3: works for you? So for me, for example, I actually
42:01
Speaker 3: have no qualms about being rich. For me, it's just
42:03
Speaker 3: about security. You know. I have this deep fear that
42:06
Speaker 3: one day it'll all be gone and I'll be out
42:08
Speaker 3: on the streets and I know. So for me, it's
42:09
Speaker 3: about like safety in security, But for other people it's
42:12
Speaker 3: about flashiness or doing stuff. And there's lots of different versions.
42:15
Speaker 3: So what would your parents be and what would yours
42:17
Speaker 3: be the same.
42:18
Speaker 1: So Mum and dadda definitely safety and security. They do
42:22
Speaker 1: have an amazing beautiful house. It's like right on the
42:26
Speaker 1: ocean in Sydney, but it's like not flashy and that
42:29
Speaker 1: it's you know, there's not marble bench stops and like
42:32
Speaker 1: chandeliers and all this stuff. It's like a really cozy
42:34
Speaker 1: home in that respect. That and they do definitely have
42:37
Speaker 1: a safety and security mindset when it comes to money,
42:40
Speaker 1: so like considering like their super and like their properties
42:43
Speaker 1: and like their share portfolio and stuff. Dad definitely likes
42:46
Speaker 1: to go rogue on the shares.
42:48
Speaker 3: Or gets a hot tip and just has a crack
42:50
Speaker 3: at something.
42:51
Speaker 1: Absolutely, But I think I'm definitely like that as well,
42:55
Speaker 1: keeping in mind what we were speaking about before about
42:59
Speaker 1: really understanding that my career probably has some sort of
43:03
Speaker 1: time frame on it and how to prepare for the future.
43:07
Speaker 1: So I'm definitely not slashy. I'm definitely more about the
43:11
Speaker 1: security kind of things. But in saying that, like, yeah,
43:14
Speaker 1: I did just buy a new car, although it took
43:16
Speaker 1: me way too long to do. And Scott and I
43:19
Speaker 1: do live in a lovely house, but we're still renting
43:21
Speaker 1: because we can't afford to buy the house that we
43:23
Speaker 1: actually live in because the Sydney property market is just ridunculous.
43:27
Speaker 1: So I think I do spend the money on things
43:30
Speaker 1: that I know are going to make me happy and
43:32
Speaker 1: make me feel good, but then also make sure there's
43:35
Speaker 1: enough to be putting into you know, my savings and
43:38
Speaker 1: my shares and all that kind of stuff.
43:40
Speaker 2: You mentioned career before, and you know, knowing that there's
43:42
Speaker 2: a limited timeframe on your career, but I want to
43:46
Speaker 2: know what did you want to be when you grew up?
43:47
Speaker 2: Did you always want to be a DJ? How did
43:49
Speaker 2: that eventuate?
43:51
Speaker 1: So I went to a selective girls high school, and
43:54
Speaker 1: you were going to be like in finance, a doctor,
43:57
Speaker 1: a lawyer, an engineer, and that was kind of easy.
44:01
Speaker 1: So I actually went to UNI to study dentistry. What, yeah,
44:05
Speaker 1: I know, she has such beautiful teath. Yeah, oh you
44:08
Speaker 1: know what. That's why I wanted to do it, because
44:10
Speaker 1: I had theest teeth you've ever seen. And then my
44:13
Speaker 1: orthodontist changed my self confidence forever. Like I would never
44:17
Speaker 1: open my mouth, I didn't want to smile. I feel
44:19
Speaker 1: so sad thinking about how like.
44:21
Speaker 2: I'm literally the same. If you go through our photos
44:23
Speaker 2: on Instagram. I used to smile with a closed mouth,
44:26
Speaker 2: and since in VISI line, I was like yay, and
44:28
Speaker 2: I'm not even done.
44:29
Speaker 1: Yes, seriously, I remember the day I got my braces off.
44:32
Speaker 1: It was potentially the second happiest day of my life
44:35
Speaker 1: because I was just like everyone look at so yeah.
44:40
Speaker 1: I think having that incredible experience was what made me
44:43
Speaker 1: want to give other people that experience. But twelve months
44:47
Speaker 1: into doing a science degree it's in a UNI, I
44:49
Speaker 1: was like, m this really really sucks hours long, and
44:52
Speaker 1: to become an orthodontist it's generally like ten to fourteen
44:56
Speaker 1: years of studying, practicing, specializing.
45:00
Speaker 3: Yeah it's full.
45:01
Speaker 1: Yeah, yeah, it's a lot. And that just wasn't for me. Meanwhile,
45:04
Speaker 1: I was DJing for twenty five dollars and a free
45:07
Speaker 1: drink hard and absolutely loving the shit out of it.
45:12
Speaker 1: And so then I changed to a Media and Communications degree,
45:15
Speaker 1: which I then continued and finished while dj hustling on
45:19
Speaker 1: the side.
45:20
Speaker 2: Are you the most intelligent DJ in Australia?
45:23
Speaker 1: No, I would love to be.
45:26
Speaker 3: I don't know if this is a really like inappropriate question, like.
45:30
Speaker 1: Probably is probably let's go.
45:32
Speaker 3: Let's go. Anyway, You're like we've all just met like
45:35
Speaker 3: in person today. You're clearly very smart, loving chatting with you.
45:39
Speaker 2: Yeah, same, it's going much longer, and you are so articulate.
45:42
Speaker 3: And I'm not blushing. I'm not suggesting that I was
45:45
Speaker 3: implying otherwise. I'm honestly not. But do people assume that
45:49
Speaker 3: someone who is really good looking has blonde hair and
45:51
Speaker 3: is a DJ? Do they kind of assume you might
45:53
Speaker 3: be a bit ditsy and a bit you know.
45:55
Speaker 1: Like thing, Yes, one hundred percent few rude though this
46:00
Speaker 1: I know, like this is even like not just from
46:04
Speaker 1: being intelligent. It's actually a theme that goes fully into
46:07
Speaker 1: the DJ industry in the music industry as well. Like
46:09
Speaker 1: people still think I can't DJ or write music because
46:12
Speaker 1: I'm a hot chick. It's rue, literally, and I'm like,
46:15
Speaker 1: come to one of my shows and stand next to
46:18
Speaker 1: me and watch me play because I'm a great DJ.
46:21
Speaker 1: Like I love that, so, Like it's quite frustrating because
46:25
Speaker 1: it means that, like, I don't know, there's something about society.
46:27
Speaker 1: You can't be a good looking, confident woman and like
46:30
Speaker 1: be intelligent or have an opinion or be really really
46:32
Speaker 1: really good at your craft. Like it's very frustrating.
46:35
Speaker 3: Are there some hot girl DJs who can't dj?
46:39
Speaker 1: Sorry was swearing again, Absolutely yes.
46:42
Speaker 2: But they are a really hot them in the bin.
46:45
Speaker 1: There are hot guys and really unattractive guys as well
46:48
Speaker 1: that can't DJ too. It's just I don't know. It's
46:50
Speaker 1: something about the dance music industry and like electronic music,
46:54
Speaker 1: they like love to hate on hot chicks. It's it's I.
46:57
Speaker 3: Don't think that's that industry.
46:58
Speaker 2: I feel like I think that's we are probably life too. Yeah,
47:02
Speaker 2: all right, it has been incredible having a chat with you,
47:05
Speaker 2: and I'm so grateful that you took the time on
47:07
Speaker 2: your eighteen hours in Melbourne to spend arguably two of
47:10
Speaker 2: them with us. So thank you for coming down and
47:13
Speaker 2: sharing your money story and having a chat about money
47:16
Speaker 2: with us.
47:16
Speaker 1: Thank you for having me. Honestly, I love the podcast,
47:19
Speaker 1: I love the Facebook group. It's just so epic. So
47:22
Speaker 1: I'm so stoked to be here. I love talking about
47:24
Speaker 1: money and it's amazing what you're doing. Love you guys
47:27
Speaker 1: as always.
47:27
Speaker 2: That is all we have time for today, but before
47:30
Speaker 2: we go, we'd like to acknowledge and pay respect to
47:33
Speaker 2: Australia's ourboriginal and to Oros Straight Island to People's the
47:36
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47:39
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47:42
Speaker 2: caring on the land which we are able to learn.
47:45
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47:47
Speaker 2: we share our friendship and our kindness. Now, the advice
47:50
Speaker 2: shared on Cheese on the Money is general in nature
47:52
Speaker 2: and it does not consider your individual circumstances. She's on
47:55
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47:58
Speaker 2: be relied upon make an investment or a financial decision.
48:01
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48:13
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48:15
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48:18
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48:18
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48:20
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48:22
Speaker 3: you call it a rating?
48:23
Speaker 1: I think it's a review. I like a rating.
48:25
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48:27
Speaker 3: our friends at iHeartRadio that they're not just saying subscribe anymore.
48:31
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48:34
Speaker 3: subscribe to them, you follow them.
48:36
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48:38
Speaker 2: that all our community follows us and is keeping us
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48:42
Speaker 3: So whatever your app says to do you do that?
48:44
Speaker 2: You do that, my friend, do that? Do what the
48:46
Speaker 2: app says.
48:47
Speaker 3: Also, should people go to DJ Tiger Loui's instagram and go, hey,
48:51
Speaker 3: I heard you and she's on the money one.
48:52
Speaker 2: Hundred percent bombard from her up and be like, I
48:55
Speaker 2: came here because if she's on the money, because we
48:57
Speaker 2: want to look like she was talking about clicks and
48:59
Speaker 2: stuff before.
49:00
Speaker 3: Chicken tracks, then unbelievable. She was great, wasn't.
49:03
Speaker 2: Oh my gosh, I am obsessed. I love her so much.
49:06
Speaker 3: What a legend. Alright, chat to you guys later. H