Latest / The Curve / RTC104: Money stories, Hinge dates and neuro-divergence with Victoria Devine.

Transcript

RTC104: Money stories, Hinge dates and neuro-divergence with Victoria Devine. · The Curve

• 0:00
  Welcome to Raising the Curve, a podcast designed to teach you everything you need to know
• 0:05
  to be better with your money.
• 0:07
  And the wise words of Amy Schumer were slipping carrots into the brownie recipe.
• 0:11
  I don't really get the saying.
• 0:14
  It's kind of like eating vegetables that actually taste good, you know, it's still not
• 0:18
  weird.
• 0:19
  Are you on the script?
• 0:20
  It's basically like saying investing in finance can be boring but it totally doesn't
• 0:26
  need to be.
• 0:27
  OK, OK, so we're making it fun by putting the carrot.
• 0:31
  OK, the vegetables are just good for you.
• 0:33
  It's the brownie recipe.
• 0:35
  OK, we got there, we got there.
• 0:36
  OK, OK, well, you've really got a finance mate.
• 0:39
  Yeah, one of us has to.
• 0:40
  This is a joke.
• 0:41
  OK, come and learn alongside me from Vick Harris, ex-fun manager, where I'm going to ask
• 0:46
  all the questions that you wish you could.
• 0:48
  And I'm going to be eating all the brownie you wish you could.
• 0:51
  It's so not the joke, Vick.
• 0:54
  OK, just come and talk and learn and laugh with us because together we really can raise
• 0:58
  the curve.
• 1:01
  Firstly, I want to say it's so nice to have a fellow Victoria on the podcast.
• 1:07
  There are many of us in the podcasting, so I know.
• 1:10
  And to think that we're talking to one amazing Victoria, I'm just like, yeah, yeah.
• 1:16
  Right, I can't.
• 1:17
  I'm so excited about this.
• 1:19
  So do you feel left out?
• 1:21
  I feel actually quite honest to be in the presence of two very intelligent, beautiful brunettes
• 1:27
  in the finance space, to be honest.
• 1:29
  Oh, you've got to be a brunette and work in finance and be called Victoria.
• 1:33
  Like, it's actually the only way.
• 1:34
  Oh, that makes sense.
• 1:36
  OK, yeah, yeah, yeah.
• 1:38
  It's actually the key to success.
• 1:40
  I would love to.
• 1:41
  I mean, a lot of our audience, no doubt, will have heard about.
• 1:44
  She's on the money.
• 1:45
  People would have probably read some of your books.
• 1:47
  I believe you've released three, like quite a man.
• 1:51
  It's amazing.
• 1:52
  But for anyone who doesn't know who you are, could you give a bit of an overview as to how
• 1:57
  you land it up in the finance and money space, because I know you did used to have a bit
• 2:01
  of debt?
• 2:02
  Is that how you fell into being passionate about changing that narrative?
• 2:05
  What's the story of Victoria Devont?
• 2:07
  Yes, I know.
• 2:08
  I hate this question, because I feel like I just go, oh my gosh, look how amazing I am.
• 2:13
  And it's like not the case at all, which is why I'm always like, by the way, like I was
• 2:16
  in a significant personal debt.
• 2:18
  Like, I know you because I am you.
• 2:20
  Like this is not me going, look at me.
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  I'm a shiny finance human, which I think a lot of the time we assume, like if you work
• 2:27
  in corporate finance, like, oh my gosh, like they must be geniuses and also be so good
• 2:32
  at money.
• 2:33
  I guess to cut a really long story short, I actually started my career in psychology and
• 2:37
  I was working in organizational psychology in a space of culture and engagement, which
• 2:42
  was really fun.
• 2:43
  And I endured it, but I also just felt like it was not very measurable.
• 2:46
  Like, how do you go into a business every year and talk about how I have increased the
• 2:52
  engagement levels, because they're all just very self-reported numbers.
• 2:56
  Anyway, I had a client who owned an accounting practice and to financial services, kind of
• 3:01
  like practice, had accounting, mortgage, broken and financial advice.
• 3:05
  I was seconded to their offices for a few months.
• 3:08
  And this person kept just saying, when are you going to become a financial advisor?
• 3:12
  And I was like, I'm not because that sounds terrible.
• 3:15
  Boring.
• 3:16
  One thing led to another turns out that person was right.
• 3:20
  And the more I was, you know, interacting with the financial advisors and the paraplanning
• 3:24
  team and just seeing what they were doing for their clients, I was like, hey, this is
• 3:28
  pretty cool.
• 3:29
  And it kind of sparked my interest in finance because up until that point, I'd had my head
• 3:34
  in the sand.
• 3:35
  I was in debt.
• 3:36
  And the more I learned, I guess, just by exposure, the more I realized how much of an impact
• 3:40
  this could have.
• 3:42
  And so I just became that preachy girl at brunch.
• 3:45
  So I'd sit you guys down and be like, all right, it's definitely Victoria.
• 3:47
  Have you heard of, like, you know, saving for your retirement?
• 3:50
  Have you heard of Kiwi Sava?
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  I just wanted to tell all my friends this information that I thought I had discovered.
• 3:56
  So anyway, one thing led to another.
• 3:58
  I decided that was a pretty cool space and opportunity came up inside that business
• 4:03
  to run their HR department.
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  And I said, I'll only do it if you let me play in the finance stuff.
• 4:08
  You know, be a bit of a baby paraplanar.
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  Absolutely loved it.
• 4:12
  Decided, I guess, after a few months of that, that I really wanted to be a financial advisor.
• 4:17
  At the time, I was studying my MBA full time and decided to go and do my financial
• 4:24
  advice, like diploma as well.
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  Because I was like, I don't really have a life.
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  Like, it's all good.
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  So I went and did all of that and then wanted to go into financial advice, but didn't want
• 4:34
  to work for someone else.
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  So I thought, let's start a business.
• 4:37
  Let's do something.
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  At that time, I was not a fully qualified financial advisor.
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  But with the help of this person that I was talking about, he used to be my business partner.
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  We've now gone in our separate ways.
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  We started a completely separate company.
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  And so I guess that's where Zella was born.
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  I now 100% own Zella.
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  And that runs as a mortgage-broken company, which is really exciting.
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  And the practice that I was working alongside were ultra-hyde net wealth.
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  So when I say that, we're talking a minimum of $10 million investible.
• 5:08
  Wow.
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  And I didn't like it.
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  I hated talking to rich people and making them richer because they are educated.
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  They do understand that they're getting good quality financial advice and they don't
• 5:20
  question it.
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  They'll just go, we'll do it.
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  Whereas these younger clients who are trying to get ahead, they're one grateful, but ask
• 5:29
  a million questions.
• 5:30
  And it's just so much more empowering to have these conversations and feel like you're
• 5:35
  helping propel someone forward.
• 5:37
  Did you notice that the wealthy people, the high net worth individuals you're dealing
• 5:41
  with, had a lot of financial literacy or a lot of financial knowledge to get to where
• 5:45
  they were?
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  Or was there still quite a level of lack of understanding?
• 5:51
  No, no, no, they definitely had a lot of financial literacy.
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  And I think that that is really the difference between everyday people and the wealthy, right?
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  Like the wealthy have two things that we don't have.
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  It's the ability to pay for advice where they need it and trust it.
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  They're not just jumping on Google and typing in financial advice, like they've got that
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  network around them to go, who's a good financial advisor.
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  And then, you know, their mate Barry goes, oh, well, this company's been managing my wealth
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  for X, Z and they go and they trust it and they know.
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  So they have that ability to pay for advice.
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  They also have the ability that we don't have to seize an opportunity.
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  So if there's a massive investment opportunity where, even if they're worth hundreds of millions
• 6:34
  of dollars, they go, oh, actually that property development, you're right.
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  That would make me an ROI of 100%.
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  But they have the cash to fund all that, whereas you and I don't have that ability to seize
• 6:47
  an opportunity because we're still just trying to save our first $10,000.
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  And even if the opportunity is presented to us, we can't do it.
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  Like we've heard of it, right?
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  Like we know that these things exist.
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  They're just not available to us.
• 7:00
  But I also think, when I, if I think back to my own personal situation, the only time
• 7:04
  that I realized that investing or interest in the idea of investing or learning was when
• 7:10
  I had a small lump sum, you know, like $10,000 at that point, I was like, oh, oh, I put
• 7:15
  into the conversation about investing, oh, I should look for opportunities.
• 7:18
  But before that, it kind of was just like, so not a conversation or even in my realm
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  of thinking because I didn't have anything to work with.
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  So I think what you're saying is so true, if you come from a family or a situation where
• 7:30
  there's a lot of money automatically, you have options and you think about what to do
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  with that.
• 7:36
  And it's that whole money makes money in the rich, get rich, you're in.
• 7:39
  Exactly.
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  And it's like so much more than just the rich get richer because they've got their money
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  invested in it compounds.
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  It's like these networks and these opportunities that are afforded to people in those circumstances
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  that if you're in a situation where, as you were saying, you have $10,000 and you're really
• 7:55
  excited to invest for the first time that you want to go get professional advice.
• 7:59
  Here in Australia, that professional advice, if you didn't end, end, you know, statement
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  of advice with a financial advisor is a minimum of $5,000.
• 8:06
  Yeah.
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  Are you happy to lose half of your savings just to get into the market?
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  And I just think that's insane.
• 8:13
  No, I don't want that.
• 8:14
  My community don't want that and I'm sure yours don't either.
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  However, you know, someone who's from a very wealthy family who has that background,
• 8:22
  five grand.
• 8:23
  Oh, yeah, for the right advice, of course, puts me in the best possible position.
• 8:25
  Yeah.
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  Like, it's just such a different narrative.
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  And I think that we deserve that narrative of, here is the information that I can trust
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  and I know when to seize an opportunity and what that looks like, but you've got someone
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  championing you from the first dollar that you save.
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  Like, that's where I want to be.
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  I don't want to be in this ultra high net wealth space.
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  So I started doing these little lunch and learns, good, she's on the money.
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  And yeah, from one thing, she's on the money, has grown to another thing.
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  I love that.
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  It's obviously a demand for it.
• 8:57
  Thankfully, because otherwise, we wouldn't have our podcast guys.
• 9:00
  Exactly.
• 9:01
  Yeah.
• 9:02
  And like you say, so much more rewarding when they're a couple that implements that financial
• 9:06
  plan and keeps their goal and is so incredibly thankful.
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  And you get a message from them saying how you've changed their life, whatever it
• 9:12
  is.
• 9:13
  It's the best.
• 9:14
  I cry every week still.
• 9:15
  I'm pregnant at the moment.
• 9:16
  So it's basically every day, like people DM us and they're like, oh my gosh, I'm out
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  of debt or I've changed my situation or I broke up with my boyfriend because I realized
• 9:24
  we're not on the same page.
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  And I now feel just so free and you're just like, wait, what?
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  Yeah.
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  I just, I feel so grateful to be in their space, but then also it's just so necessary in
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  my head.
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  I'm just like, we need this.
• 9:36
  I just wanted to touch on your new book.
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  So it's all about property.
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  It is.
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  It is on the money, which is very exciting.
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  So this is your third book.
• 9:44
  Yes.
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  How do you even have time to sleep, I'm insane if we're honest.
• 9:51
  I mean, a lot of people are always like, how do you do it?
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  And I'm like, well, it's just this claim I do have ADHD.
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  I do not turn off.
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  I feel like if I'm writing a book, I get like hyper fixate on that.
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  And I'm just just all I think about, all I breathe, like I just get so excited about
• 10:08
  it.
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  And so, yeah, I feel like that might be my superpower when it comes to actually getting
• 10:13
  stuff done.
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  And I feel like it's not fair to not tell people that.
• 10:16
  Can I ask you something, do you find it harder to deal with your finances as ADHD?
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  Because a lot of the research and things that I found is that those who are neurodiverse
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  actually struggle more than the average person.
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  100%.
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  Is that something you've experienced?
• 10:31
  Yeah, I think it's why I got into debt in the first place.
• 10:34
  Like we're just very tap happy.
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  There's not a lot of long term thought.
• 10:39
  We get overwhelmed by things that aren't super engaging.
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  And we are very impulsive.
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  So like I often commit to, you know, just in business, I commit to more than I should.
• 10:52
  Because you'll give me a good opportunity, but yeah, I'll do it.
• 10:54
  Like my time management, thankfully, I haven't assisted now at the window.
• 10:58
  So yes, I think that it really plays into my money story and how I've grown up around
• 11:05
  money because I am in the very fortunate position.
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  My dad's an accountant.
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  I had access to financial literacy.
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  It wasn't exciting when it was my dad though, hey, like I didn't want to listen.
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  Didn't want to have anything to do with that.
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  And I had to learn the hard way.
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  And I think a lot of neurodivergent people do.
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  And obviously it's very underdiagnosed, but very prevalent.
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  So I think a lot of people struggle with it without realizing the way that people assume
• 11:30
  it manifests is that, you know, crazy boy in grade three who swings off the back of his
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  chair and jumps up and down and is attention seeking.
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  Whereas for a lot of women, it's actually just avoidance and it's, you know, procrastination
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  and zoning out in meetings and not being able to, you know, comprehend things.
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  So you just completely glaze over and it manifests in very different ways.
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  So I think that, you know, we as women haven't had the opportunity that we deserve to thrive
• 12:00
  around money when we are neurodivergent.
• 12:02
  Yeah.
• 12:03
  It kind of gives me hope, like seeing someone like you who is neurodivergent and so obviously
• 12:09
  good with their money now.
• 12:11
  I mean, they can I have talked so many.
• 12:13
  She's like, you know, you can lead a cow to water, but you can't make it drink.
• 12:17
  And I'm like, I get that fully, but at the same time, it's hard to explain to someone
• 12:22
  that's neurotypical, like why, why a normal budget might not work for me or why I'm struggling
• 12:28
  so hard to implement something like I've been told it and I get it, but I'm still not
• 12:33
  doing it.
• 12:34
  We get the concepts.
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  In fact, high levels of intelligence are actually correlated with neurodivergence.
• 12:39
  So it's not the way silly.
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  It's just that those things don't work for us.
• 12:45
  And if you even look at the way that I manage money personally, I still struggle with it,
• 12:49
  you would say.
• 12:50
  I have to make sure that all of my stuff is automated, like I have a cash flow system
• 12:56
  where I know everything is automated.
• 12:58
  I check it every three months also to make sure it's still on point.
• 13:02
  I have to separate my spending money from, you know, my savings.
• 13:05
  Although I also spend my savings, like in my head, still irrespective of how educated
• 13:10
  I am.
• 13:11
  If I know there's a thousand dollars sitting on that debit card, I forget everything.
• 13:16
  It's like out of sight, out of mind.
• 13:18
  Even if you go a bit there, you didn't even remember that there was a build you next
• 13:20
  way.
• 13:21
  I'd be like, yeah, there's a thousand dollars on that card that I have access to right
• 13:23
  now.
• 13:24
  Like we're going shopping.
• 13:25
  If it is not in front of me physically and I cannot see it visually, it does not exist.
• 13:32
  And it almost feels like Parkinson's or something.
• 13:34
  I'm like, it's almost like dementia.
• 13:36
  It's crazy how much I forget.
• 13:39
  And especially when it comes to money, like the budget piece is a super interesting one.
• 13:44
  And I guess I'd love to know from your experience or for people who are listening who have
• 13:48
  really struggled with simple things like budgeting or this expended chair and like the really
• 13:55
  stripped back easy to understand money habits.
• 13:59
  If someone's tried everything under the sun, they've tried to journal about their experience
• 14:04
  of money.
• 14:05
  They've tried to put budgets in place.
• 14:06
  Has anything helped you that might also help other people who are like, why is this
• 14:11
  just not sticking like, why can I not get the basics down?
• 14:15
  Yeah.
• 14:16
  I think for me, it's visuals and automation.
• 14:18
  I'm not sure if you guys have seen my money masterclass, but a really big part of that
• 14:22
  is visuals and it like basically creates this drawing for you.
• 14:27
  And it says, this is your main bank account and here's an arrow to where this goes and
• 14:31
  it like automates the numbers to go every month.
• 14:34
  You have X coming into this bank account that has an arrow and it says an X goes into
• 14:38
  this and Y goes into this and Z goes into that.
• 14:41
  And this is your fun money and you have X, you know, I feel like so many of us have sat
• 14:45
  down whether that's on paper or on a spreadsheet or we've tried a million different ways to budget,
• 14:50
  but it's like the implementation of that budget when your neurodivergent is almost impossible.
• 14:55
  So you actually need to go right, it's not just budget, it's cash flow.
• 14:58
  So we're going to one visualise it and understand where they go because I think that once we
• 15:03
  have that picture in our head of like, it goes into bank account A and then it streams
• 15:07
  into bank account B and you can set that up.
• 15:11
  Automatically, which is really cool, but true automating it, like take it off yourself,
• 15:16
  take the responsibility away.
• 15:18
  Like, I know some people will be like, yeah, but I really want to transfer it myself.
• 15:21
  It is not working for you because I used to say that and I would say, oh my God, no,
• 15:27
  I want to be across it.
• 15:28
  Like, I don't want heaps of direct debit so that it's out of control.
• 15:31
  Like, and people just don't, you know, they can take advantage of that.
• 15:35
  Like, no, because take my phone bill, for example, it's now direct-devoted.
• 15:39
  It's 40 bucks a month for whatever it is here in Australia, money win.
• 15:43
  But if you send me the invoice and say, ah, they, you invoice this due for your phone
• 15:50
  plan this month, I go, oh, yeah, I'll pay that.
• 15:53
  And then I swipe back onto Instagram and I have forgotten that that bill exists.
• 15:57
  Oh my God, I am just feeling so sane.
• 16:01
  It's not funny.
• 16:02
  Like, Vic, I nearly got our company card toad because I didn't pay our fines and she's
• 16:06
  like, what is honestly wrong with that?
• 16:08
  We need to automate it or do it in the moment.
• 16:11
  Yeah.
• 16:12
  Like, if it doesn't happen in the moment, we're done for.
• 16:15
  Um, so I think making sure that it's automated means they're not sending me reminders
• 16:21
  because like, you'd be the same.
• 16:22
  So they send you a reminder and you're like, oh, yeah, no worries.
• 16:25
  And then I go do something else.
• 16:27
  A hundred percent.
• 16:28
  I feel like I have every intention of doing it like I promise it's not because I don't
• 16:34
  want to pay you.
• 16:35
  It's because my brain is not wired correctly.
• 16:38
  I know.
• 16:39
  And so having that direct evidence, yeah, the visuals help, but having that direct
• 16:43
  evidence means I'm actually spending less money because they're not increasing the
• 16:47
  late fee.
• 16:48
  They're not doing any of those things and it's out of sight, out of mind.
• 16:52
  Now the email I get is your direct evidence being processed tomorrow.
• 16:55
  And I'm like, oh, okay.
• 16:56
  No worries.
• 16:57
  I'm going to pay my bill tomorrow and I didn't have to do anything.
• 17:01
  So for me, that works.
• 17:03
  Automate.
• 17:04
  Automate.
• 17:05
  I like that.
• 17:06
  I had to put a little picture of a dog as my one of my bank accounts because I'm saving
• 17:09
  to send my dog over to London and I had to put a little picture of a dog so that every
• 17:13
  time I go in there and I'm like, oh, you're like, hey, it's babies.
• 17:17
  Oh, no, I need to transfer money to you because otherwise you won't make it over.
• 17:21
  And I can't take money out of you because then you won't make it over.
• 17:24
  And so it's quite good having those visuals, actually.
• 17:26
  See, visual cues are really helpful.
• 17:28
  Yeah, it's really hard because you have to do it in the moment or you forget it.
• 17:33
  But then also something that I've really gotten in the habit of is using my notes section
• 17:38
  on my phone.
• 17:39
  So in my head, if I'm like, all right, well, cool, I've got this bill.
• 17:43
  Like I have a note section in my phone and I will go and just write, pay phone bill.
• 17:48
  And then once a day, I have a calendar reminder and it's during the work day, obviously
• 17:53
  that works for me because I work for myself, but I have like a half an hour carved out
• 17:59
  to get those tasks on my notes section done.
• 18:02
  And it's dedicated.
• 18:03
  I don't know why, but if you interrupt somebody who is neurodivergent and they're doing
• 18:08
  a task, right?
• 18:10
  I am hyper fixated on that task, whether it is me writing a book or it is me scrolling
• 18:15
  on Instagram, getting me away from that quote task that I'm doing to do something that
• 18:20
  I actually need to do is relatively challenging.
• 18:23
  But in my head, it is much easier to go, all right, well, I just got that calendar, like
• 18:27
  that email notification to pay my bill.
• 18:29
  I'm going to put it on the list for that half an hour block later today.
• 18:33
  And then I can go straight back to doing Instagram.
• 18:35
  Even though, like, let's be honest, someone could argue with you and ISO and be like, but
• 18:38
  when you just log into your banking app and just transfer it, no, no, no, that's actually
• 18:42
  too much of a mental load.
• 18:43
  I mean, just a specific time and it has to be a specific task and I'm very task focused.
• 18:49
  So I feel like time blocking and making sure that I'm time blocking things for that least
• 18:54
  mean that my life does actually keep moving forward.
• 18:57
  Do you think you're about to enter motherhood and the way in which you were brought up in
• 19:03
  your own money story?
• 19:05
  What was that and how do you plan on maybe doing that differently for your child?
• 19:09
  I feel like I have a really nice money story, like growing up with an accountant, like
• 19:13
  there were times where we were sitting at the dinner table and he's like trying to get
• 19:17
  me to do my like times tables or my math homework and I'm screaming and crying and not wanting
• 19:21
  to do it.
• 19:22
  But then I feel like my parents always really open and honest about their financial
• 19:26
  circumstances, but I also had, you know, a mum who was basically the best say that
• 19:32
  ever.
• 19:33
  She was like a little squirrel.
• 19:34
  She'd turn around and be like, yeah, I've saved for that already.
• 19:36
  And I'd be like, wait, what?
• 19:37
  Like how?
• 19:38
  How did you do that?
• 19:39
  So I grew up with, yeah, two parents who were really open and honest about money, but
• 19:44
  that doesn't mean that I didn't struggle with it.
• 19:47
  It doesn't mean that I listened, right?
• 19:49
  And I think that we all have these money stories that can hold us back or propel us forward,
• 19:54
  but we actually have to really deeply understand how that mixed then in with the way that my
• 19:59
  brain worked and the way that I interacted with my sister and the way that it worked when
• 20:04
  it came to me goal setting and wanting to go to university and like, it's a very complex
• 20:09
  thing to talk about a money story, which is why I do it so often on my podcast and we
• 20:14
  have like, guess, every single way can I like tell me your story?
• 20:17
  Like where have you come from?
• 20:19
  Because I think if we just looked at their budgets, everything would look relatively similar
• 20:23
  right?
• 20:24
  Like one week we have someone on $60,000, the next week we have someone on $70, like
• 20:29
  that's not the interesting part of someone's story though, is it?
• 20:32
  Like I want to know your thoughts, your feelings, your values, your beliefs, and your behaviors
• 20:36
  around money because they're the things that inspire me, but they're also the things that
• 20:41
  guide us inherently.
• 20:43
  You can't just look at someone's budget and go, oh, they're good at money.
• 20:46
  They might be so good at money on paper.
• 20:49
  You look at it and you're like, holy moly, like look at all these savings accounts and
• 20:53
  how strict they are and then you meet them in person and they are crippled by anxiety
• 20:58
  around money because that's how they grow up.
• 21:01
  So I think it's so important to talk about money stories, but also go, well, do you understand
• 21:06
  your own?
• 21:07
  Gosh, it also makes me think when I have children, how much influence I will have on them in
• 21:12
  terms of talking about money, you know, discussing money, being around like just, oh, I'm like,
• 21:18
  oh, gosh, I don't even want to talk around them because I'll be so scared of what the
• 21:21
  absorbable.
• 21:22
  Yeah.
• 21:23
  I think having open, honest conversations about money is always positive.
• 21:28
  I've been looking and doing heaps of research, how to teach children about money and we
• 21:32
  know that a money story starts to be ingrained at the age of seven, but you do see kids picking
• 21:40
  up these behaviors earlier, right?
• 21:42
  Like you see three and four year olds at the supermarket being like, I want that and
• 21:45
  the mum being like, well, that costs X, Y, Z.
• 21:48
  So there's a few things that I really want to do.
• 21:51
  I guess number one is have them help manage a budget, but I think it's also too much of
• 21:57
  a heavy weight to tell your child about the entire household budget.
• 22:02
  So it might be like, hey, all right, how dinner budget this week is X, help me put together
• 22:09
  all of the meals that fit into this budget.
• 22:11
  So they can help you conceptualize research, some recipes, go to the supermarket, make
• 22:15
  sure things are fitting into that budget.
• 22:18
  And that's a non-confrontational way of introducing them to this idea that, yeah, money, you can
• 22:25
  exchange it for goods and services.
• 22:26
  And it's limited.
• 22:27
  And this is what we've got to work with, that's great.
• 22:30
  What other stuff do you think you'll try?
• 22:33
  Like, if you've done a lot of research on I'd be curious, I'm like, what kind of the
• 22:36
  key thing?
• 22:38
  This is going to be really funny articulating this.
• 22:42
  I am going to be charging family tax.
• 22:45
  So do you mean?
• 22:47
  So once my kids are at an age where they are able to earn pocket money, they can earn pocket
• 22:53
  money, but say they get $10 a week, we will be contributing 25% to family tax, which means
• 23:00
  they need to, they'll be given their $10 and they need to break it up and pay their $2.50
• 23:05
  in family tax.
• 23:07
  And they will put that in a jar.
• 23:10
  At the end of quote tax time, that might be, you know, every three months, because they're
• 23:14
  little and that's actually a little imperative time for them.
• 23:17
  We as a family are going to sit down and talk about what that money is going to buy for
• 23:22
  the family.
• 23:23
  So clever.
• 23:24
  We might put a bit of the family tax money in, so it's like, you know, maybe like $100
• 23:30
  or like a little bit more.
• 23:31
  So that like, it's a substantial amount of money for a young child to make decisions
• 23:35
  about.
• 23:36
  And then we're going to say, does our house need anything?
• 23:39
  Like do we need to upgrade anything?
• 23:41
  The kids might be like, oh, we really need a new TV or we really want this, has to benefit
• 23:45
  everyone though.
• 23:46
  Or are we going to, you know, spend our family tax on the family, are we going to go
• 23:51
  to the zoo?
• 23:52
  Are we going to do something like that?
• 23:53
  So I think that getting kids to understand the concept of tax early is really important
• 23:58
  because we live in countries where we pay tax.
• 24:02
  And when I was 14 years and nine months and got my first job legally here in Australia,
• 24:06
  I didn't understand that.
• 24:07
  I was so confused.
• 24:09
  Why do I pay tax?
• 24:10
  What does that go towards?
• 24:11
  How does that work?
• 24:12
  So for me, I will do that because it's not just tax.
• 24:16
  It's like that group decision making.
• 24:17
  It's thinking about others.
• 24:19
  It's being able to make a decision around money that doesn't just impact you.
• 24:23
  I think that's really important about the tax as well because tax is such a negative
• 24:27
  connotation to it.
• 24:29
  And when you pay income tax, I'm going to take care of like, oh, gosh, where am I seeing
• 24:33
  this benefit?
• 24:34
  And it's like, well, when you go outside and you use the park or you use the public transport
• 24:38
  or you drive on the road, like that is all paid for by tax payers money.
• 24:42
  And so I think that's really cool that you're doing it in the family home.
• 24:45
  Hey, if we contribute to an item that the entire family can use, we're all benefiting.
• 24:50
  Yeah.
• 24:51
  And it's about, I guess, group decision making because like one kid's not going to want
• 24:54
  that thing, right?
• 24:55
  So we can go, well, okay, is that actually the best use of money if it's meant to benefit
• 25:00
  everybody?
• 25:01
  And I can just see it coming.
• 25:02
  Right?
• 25:03
  Like the kids are going to want to buy games and I'm going to go, does that benefit my
• 25:07
  dad?
• 25:08
  And then trying to swindle me into being like, you love your idol.
• 25:12
  You can play with us.
• 25:13
  We'll share it with you.
• 25:14
  So I think it'll be fun to work that out.
• 25:18
  And I think that just that idea of teaching kids young about giving back, but not necessarily
• 25:23
  going, you have to donate money because that's a good thing to do.
• 25:27
  I actually want them to hopefully take that upon themselves through this concept of like
• 25:32
  actually, we make group decisions.
• 25:34
  Who does this benefit?
• 25:35
  Do you want to benefit anybody else with the income that you've got coming in?
• 25:39
  Like, what are you planning on buying?
• 25:41
  It'll be a bit more structured, but hopefully there won't be crying around the dinner table.
• 25:46
  Hopefully it will be more of a fun concept.
• 25:48
  We'll see how that plays out.
• 25:50
  Please report back on that one.
• 25:51
  Yeah.
• 25:52
  I want to know about your relationship status when it comes to your finances because you're
• 25:58
  about to have a baby amazing.
• 25:59
  You're also married.
• 26:00
  Congratulations.
• 26:01
  At what point in your relationship, did you decide, I mean, I'm sure no doubt you would
• 26:06
  have talked about money really early on.
• 26:08
  Did you decide to combine your finances?
• 26:10
  Was that a decision that you spoke about when it came to marriage?
• 26:14
  Was it babies?
• 26:15
  Like, the reason I asked is we've had a few deans lately from people being like, I've
• 26:19
  just gotten pregnant.
• 26:20
  Yay.
• 26:21
  We have separate money at the moment.
• 26:22
  I'm not really sure when and if to combine finances and if so, how that should be done
• 26:28
  or what I need to think about put in place, that kind of thing.
• 26:32
  And I'm like, we actually haven't talked about that before.
• 26:33
  So you would be a really brilliant person to ask that.
• 26:37
  Thank you.
• 26:39
  It's going to be really personal for everybody.
• 26:41
  I know people in their 60s and 70s who are ex-clients who are very financially successful
• 26:48
  who've never shared a dollar in their lives.
• 26:50
  They just contribute equally in transfer and manage it separately.
• 26:56
  I also know people who the second they get into a serious relationship combine finances
• 27:00
  and that works for them.
• 27:02
  So I think caveatting this where there's actually no right or wrong with sharing as long as
• 27:06
  you feel empowered by it and you don't feel like somebody else is making financial decisions
• 27:12
  on your behalf or like you're losing control to me is the most important part.
• 27:17
  My husband and I started sharing finances when we got our first mortgage before that
• 27:22
  we didn't have a good reason to share finances like we had moved in together or living together.
• 27:29
  But in Australia, I don't know how it works in New Zealand.
• 27:32
  You can actually just nominate two bank accounts when you sign the lease agreement and it
• 27:35
  just gets split equally out of those two bank accounts.
• 27:38
  So we're paying our rent the way we used to split finances was I was doing a lot more
• 27:43
  of the domestic stuff.
• 27:45
  So I was going to the supermarket and ordering food and doing all of that and my husband
• 27:48
  would just, you know, we never kept track of going, has to be 50, 50.
• 27:53
  He would get a bill come in and he would just pay it.
• 27:56
  And it kind of all came out in the wash for us.
• 28:00
  You know, if there were bigger expenses like we wanted to go on a holiday like I would definitely
• 28:04
  transfer him if he was the one that booked it vice versa.
• 28:08
  So it was all very like separate, but there was just not a need to combine finances at
• 28:13
  that point.
• 28:15
  So it wasn't until we got our first mortgage and financially we wanted every single dollar
• 28:21
  that we had to be in these offset accounts that we'd just established.
• 28:25
  And you know, as a part of that process, we got the mortgage and we're like, actually,
• 28:29
  one of the best ways to make our money work hard for us is to have our incomes come into
• 28:34
  an offset account.
• 28:36
  So that the second it comes in, it's offsetting our mortgage so that we, you know, are making
• 28:40
  every dollar work as hard as we did for it.
• 28:43
  What is an offset account?
• 28:44
  Sorry.
• 28:45
  Yeah.
• 28:46
  So in offset, it's like, it's almost like an overdraft.
• 28:48
  So you've borrowed, say, $100,000 for a mortgage.
• 28:51
  Your salary might go in there one month and that's $10,000 you've effectively paid off.
• 28:56
  So for a period of time, you've paid off $10,000 of your mortgage and so you're not paying
• 29:01
  interest on that amount.
• 29:02
  So it's almost like a floating amount of mortgage, yeah.
• 29:05
  That's the interest on a loan balance.
• 29:08
  So like, say you've got $250,000 as a home loan and then you've saved up $30,000 and
• 29:14
  you pop that in what's called an offset account in that situation instead of being charged
• 29:19
  interest on $250,000 because you've got that $30,000 sitting there.
• 29:24
  You actually only get charged interest on a balance of $220,000.
• 29:29
  Yeah.
• 29:30
  Okay.
• 29:31
  So you are being charged less because you've kind of got money offsetting the debt that
• 29:36
  you have.
• 29:37
  Oh, I get it.
• 29:38
  And so in this economy, it's very sexy, yeah, really like hoarding money where possible
• 29:44
  in our offset account.
• 29:46
  So that just made the more sense for us.
• 29:47
  So I guess that's when we started to combine it about the same time that we got our mortgage,
• 29:52
  my husband got a new job.
• 29:54
  So he was giving them new banking details anyway.
• 29:57
  So he just gave them the mortgage offset account details for his pay to come in our now out
• 30:02
  of.
• 30:03
  I own my own business.
• 30:04
  So I just started transferring my income that I quote, pay myself every month to that account
• 30:10
  and it kind of just flowed naturally.
• 30:12
  Oh, are you okay?
• 30:14
  Sorry.
• 30:15
  Are you going to leave?
• 30:16
  Yeah.
• 30:17
  I'm just breaking it.
• 30:18
  It would be fucking full on.
• 30:19
  That would be hilarious.
• 30:20
  I'm actually just trying to wait until the Taylor Swift concert.
• 30:23
  I can go into Emma the day after if I go into day before or hell, you know, if you do
• 30:29
  and you can't, I mean, you'll find something to say, but I will pay a good money to do
• 30:34
  a lot of it over to you.
• 30:36
  You could even do the first half-stop and I'll do the second half, you know, true.
• 30:40
  Yeah.
• 30:41
  I love that.
• 30:42
  You didn't put it like a contracting out agreement in place.
• 30:45
  You didn't have like prenup scenarios.
• 30:46
  It was almost just like a totally natural evolution.
• 30:49
  So that was a totally natural evolution, but my husband and I do have a binding financial
• 30:54
  agreement, which is basically like an Australian slash New Zealand version of a prenup.
• 30:58
  I established that when we moved in together and the reason I did that was because I had
• 31:03
  a business and I needed to make sure that that was protected.
• 31:06
  And yeah, I think another important thing is yes, our incomes go into that one account
• 31:12
  together, but we both have complete control of that.
• 31:15
  We both have separate emergency funds and I've always got access to cash in case something
• 31:21
  went south and so does he and I think that that's really important to both of us that we
• 31:25
  have that separate emergency fund sitting to the side because I don't think anyone should
• 31:31
  be in a position where they have to compromise their circumstances because they can't afford
• 31:37
  to get out of them.
• 31:38
  Like, it's a very privileged position to me and to me, it's one that I think everybody
• 31:43
  deserves.
• 31:44
  So, so if we went on a date last night, I like this, this is way better than finance.
• 31:50
  This is a date number two and oh, okay, so it's going well.
• 31:55
  He's really cool.
• 31:56
  How did you date Runner?
• 31:57
  How'd you meet?
• 31:58
  Well, yeah, she matched on a hinge and then, yeah, slag, I love this.
• 32:01
  I bumped into him at a bar and I was like, oh, my God, I can have that guy from a hinge
• 32:06
  and then I didn't say hi and I hadn't replied to him on a hinge.
• 32:09
  Yeah, I was actually way cuter in real life, so I will message him back.
• 32:13
  And then I was like, oh, sorry, I actually saw you the other night, sorry, I didn't come
• 32:18
  say hi.
• 32:19
  And he was like, all good, I saw you too, and I also got on the other side of the high.
• 32:23
  So I was like, okay, and then we agreed to go on a date and I was like, cool, great.
• 32:27
  And then the next night I bumped into him again and I was like, and I was so drunk at this
• 32:32
  point, like two bottles of Prosecco and then I was like, oh no, what are you getting at?
• 32:37
  What point do you have these conversations about money?
• 32:39
  Like, is it date three?
• 32:41
  Oh, she should have had it on hinge.
• 32:43
  Yeah, true.
• 32:43
  Sorry, if we go on this date, one, you're going to pay right, but two, when do we combine
• 32:48
  finances?
• 32:49
  Oh my God.
• 32:50
  Do you think the guy has to pay?
• 32:51
  No, I don't think so.
• 32:53
  But he did secretly.
• 32:54
  He went and paid the bill about doing the awkward, like, should we pay?
• 32:57
  Oh, should we split now?
• 32:58
  See, I think that's really sweet, but I don't think it's expected.
• 33:01
  Yeah, I agree with that.
• 33:01
  I don't think it's expected either, but I thought it was really nice because I would have
• 33:05
  fully offered to pay half and like definitely done it.
• 33:08
  But it just saved the awkward conversation of like, you know, like, it's actually really
• 33:14
  nice.
• 33:15
  Yeah, my husband and I, we split the cost of our first date when we were on it.
• 33:20
  Like, we didn't go 50, 50.
• 33:21
  In fact, I'm, I used to be so non-committal that I would tell people, like, yeah, because
• 33:28
  my husband and I met on Tinder, I said, oh, yeah, I can meet you for a drink on a Monday
• 33:32
  night, because I wasn't not wasting a Thursday, a Friday or a Saturday there for the girls.
• 33:38
  So I was like, we're having a drink on a Monday night, but also I got work really early
• 33:42
  so I can only do a drink because in my head, that meant that if I liked them, I could be
• 33:48
  like, oh, no, it's fine.
• 33:49
  It's a great hard for you.
• 33:51
  Yeah.
• 33:52
  Right.
• 33:53
  Use it to my advantage.
• 33:54
  But see, the problem was that I did that last night, I had a genuinely, we had a speaking
• 33:58
  arrangement this morning.
• 33:59
  So I'd said, I need to be home early because I want to be up, like, I've got it on.
• 34:05
  Then my mom wasn't genuine.
• 34:06
  No, I was genuine, but I did think I tried to throw it up the window and I tried to say,
• 34:10
  more, don't worry about it.
• 34:11
  Do you want to come in for a cup of tea?
• 34:13
  And he was like, no, no, you've got to get up early, like, what are you doing to that?
• 34:17
  Really?
• 34:18
  What are you doing?
• 34:19
  What are you doing?
• 34:20
  He sounds like you're a future husband.
• 34:21
  I'm so excited about these.
• 34:23
  I'm really nice to hear about that.
• 34:25
  No, but my husband and I split our first day and I just think that it sets a really
• 34:30
  nice tone for money conversations moving forward to offer.
• 34:35
  Yes, it's so nice when someone does something unexpected, but like, you saw, if you're
• 34:40
  like pleasantly surprised, you're like, oh, well, that was really unnecessary.
• 34:43
  Thank you so much.
• 34:44
  And when it comes to having those money conversations, I think that we need to remember that finance
• 34:50
  doesn't have to be personal.
• 34:53
  You don't need to go on dates and start disclosing what you earn and what you spend and what you
• 34:57
  earn and what you owe.
• 34:59
  Like, we can go on dates and be like, oh, yeah, like, I've got a few money goals this
• 35:02
  year.
• 35:03
  I'd really like to achieve.
• 35:04
  I'm saving X, Y and Z.
• 35:05
  Like, if you're dating somebody, it doesn't have to be about like, oh, yeah, when are
• 35:11
  we going to talk about what we earn?
• 35:12
  Like it should be these small conversations that snowball into a deeper understanding
• 35:18
  of their money values versus yours.
• 35:21
  And then once you do start having these conversations about like, oh, well, what is your income
• 35:24
  like? It's not weird because it's not the first time you've spoken about money.
• 35:28
  In fact, it's just the natural flow of conversation.
• 35:31
  I like that.
• 35:32
  Yeah.
• 35:33
  I think that's so true.
• 35:34
  I don't think that there's a right time because, you know, you could disclose it on
• 35:37
  the first date because you're really comfy with them and you actually don't mind sharing
• 35:40
  your money story or like, you're proud of what you earn.
• 35:42
  And you're like, yeah, like, oh, yeah, oh, my salary of X, why is it?
• 35:46
  I think it's weird if you expect to know what they earn though, because I think that
• 35:51
  you never know somebody's money story that could be really triggering.
• 35:54
  You also don't know if they're in debt.
• 35:55
  You don't know what's going on.
• 35:58
  I think that there needs to be a respectful conversation, but like money conversations
• 36:02
  should always be a part of everybody's narrative.
• 36:05
  I also love what you just said about because I think what you're kind of highlighting
• 36:09
  without even meaning to is that someone's debt or someone's assets or whatever they
• 36:15
  have from a money perspective, what they're earning is also their story and their either
• 36:22
  problem or success and like whether or not you want to combine and be a team and do
• 36:26
  it together and whatever is fine, if that's what works for you, but it's not like just
• 36:30
  because someone else's in debt, that means that you need to be in debt or just because
• 36:33
  someone else has assets, it doesn't mean that they're yours.
• 36:36
  It's like every situation and every couple is totally different and what works for you
• 36:40
  may not work for somebody else and it's not like a one-size-fits-all conversation or
• 36:45
  100%.
• 36:46
  When I met my husband I was in debt, did I want to disclose that immediately?
• 36:50
  No, because I think there's this narrative where let's be honest, put it on paper, go on
• 36:56
  a date with a 20, what was I like, 24 maybe, go on a date with a 24-year-old, she's in
• 37:01
  $40,000 worth of debt.
• 37:02
  I think a lot of men would turn around and be like, oh no, she hasn't got her stuff together,
• 37:06
  like absolutely not, that's a red flag for her to be in so much debt, but they didn't
• 37:10
  know about my money story, they didn't know about my ADHD, they didn't know about who I
• 37:14
  am or what I want to achieve or where I want to go or who I want to become.
• 37:19
  I think that nowadays if you put my financial circumstances down on a piece of paper and
• 37:23
  said, would you go, if I'm single, would you go on a date with this person, a lot of people
• 37:27
  be like, oh yeah, absolutely, she's so put together, but I'm the same person, I was in
• 37:32
  a different part of my journey, why would I be crucified for that?
• 37:36
  I was so embarrassed, it took me so long to tell my partner that, oh yeah, I've got personal
• 37:41
  debt and like, it started off as like, oh yeah, just have like a debt repayment every month,
• 37:46
  it's not very big, it's all good, slowly like opening up about that the safer I felt,
• 37:53
  but I think it's really important to acknowledge you don't know anybody, anything, you don't
• 37:57
  know anybody in explanation, I mean, we're not here lying, but like, we don't need to talk
• 38:02
  about debt, if you're in debt, that doesn't make you a bad person, judging people in debt to us.
• 38:08
  Yeah, it just doesn't define you, it's like, yeah, what's the cause of why you and that
• 38:13
  did or it could be that's yeah, you're with someone who's super wealthy and got tons of money,
• 38:19
  but spins frivolously and can't save a dollar, like it's everyone's story is so different,
• 38:24
  right? I've got a girlfriend who is incredibly wealthy and if you had it written down on the
• 38:31
  piece of paper, you'd be like, holy moly, like she owns so many properties, she's got this massive
• 38:37
  investment portfolio of like four million dollars, she's a catch, but she carries so much trauma
• 38:43
  from that because that's an inheritance from her mom and she didn't want that and she doesn't like
• 38:49
  talking about it and she doesn't like that that would be something that defines her, so on her
• 38:54
  dates, she would never mention it, in fact, she dated someone for like two years and still hadn't
• 38:59
  let them know, by the way, I actually own four properties and very financially secure,
• 39:04
  because she would just live on her income that she was making from her day job and I think that
• 39:09
  we just need to be so delicate around money because you never know, like her story, great, a lot of
• 39:15
  you might think that would be a dream, right? Like I'd love to have my partner turn around one day
• 39:19
  and be like, by the way, so, you know, how are we getting married? Probably that time I let you
• 39:24
  know, I actually have four million dollars in a bank account, I'd be over the moon, but like that
• 39:30
  conversation is such a different conversation for her because it carries such a burden and I think
• 39:35
  that we need to be so aware of that because it goes both ways, whether it is you have wealth,
• 39:40
  you don't have wealth, you have debt, you don't have debt. We carry so many emotions around to this
• 39:45
  and they need to be respected. Beautiful. One question I just wanted to ask was around your
• 39:52
  about to give birth to your parents. I am terrified. Your about to go on paternity leave.
• 39:57
  Is it a maternity leave? Sorry, it's parental, sorry, I got confused. Yeah, parental leaves probably
• 40:02
  the most blanket. Sorry, you're not like I'm not alone. My husband has been calling his paternity
• 40:08
  leave maternity leave. Like he's told everyone he's going on. He also asked for a push present.
• 40:18
  A push present isn't because you're going to be the main pusher of the brand. That's not how it works,
• 40:24
  but I like your logic. Anyway, we have quite a few people who have their own business, very similar
• 40:31
  to you, you're all they're self-employed and they don't have that, I guess, support system of
• 40:37
  working for a company that provides a parental leave policy or parental leave support.
• 40:42
  And so I'm just wondering how did you navigate that in terms of how much time you're going to take
• 40:46
  off from work, if any. And your partner and how does that conversation and what advice would you
• 40:53
  give to women who are there, are business owners themselves or self-employed? I have to be honest,
• 40:59
  I have been planning this baby since 2021. I have had a savings account to make sure that we have
• 41:06
  enough cash. One for baby stuff, but two to take some time off. My husband has always wanted kids
• 41:12
  and so have I. He's been a bit more pushy than me, which is fine. So this is a conversation that we
• 41:19
  have been having since before we got married about, well, what does that look like? You know, once we
• 41:25
  get married, do we want a baby before? No, we don't. We're not in the position for it. Do we want a
• 41:31
  baby after? Yeah, we do. Like at what point do you start trying? All of that is important,
• 41:36
  but more important to us was making sure that we had, I guess, that level of financial freedom
• 41:42
  that we could afford to take my husband out of the workforce for six months. He does have parental
• 41:48
  leave and he will get paid three months worth of parental leave, which is obviously a massive
• 41:54
  blessing. Again, super transparent about it. He's going to take it over six months. So three months
• 41:59
  at half pay and that will definitely top it up. My plan for leave is to take probably eight weeks,
• 42:06
  but I also a crazy business owner and I'm so excited for this baby, but I also know that for me to
• 42:13
  be the best version of me, I need to be engaged in the work that I do. I'm so excited about our
• 42:19
  community. I'm really worried about leaving them on their own. I have a beautiful team who's
• 42:25
  going to manage it, but I think as small business owners, we try to be everything to everybody,
• 42:30
  and I think being able to say no, no, no, like that's okay. You don't have to be
• 42:35
  is really liberating, but I think it takes a lot of planning. So for us, again, like we had that
• 42:41
  savings account, we had that plan, we've talked about it for years, and then once we got married,
• 42:46
  we'll like, we'll start trying turns out I was pregnant. Really? Yeah, I have had two losses
• 42:55
  and then I have this pregnancy, which I think is important to talk about as well, because not
• 42:59
  everything goes to plan, and I'm fine. I'm okay, but I think it's just such an important part of
• 43:05
  the journey, because you can't plan the perfect pregnancy. You can't plan the perfect time to have a
• 43:10
  baby, but I'm so grateful that having gone through that, we did have those funds to the side. It
• 43:16
  made me stress less knowing, actually, this really catastrophic thing has happened and I need to
• 43:21
  pull myself out of the business. Okay, it's not going to financially cripple me. So yeah, I think
• 43:26
  planning was important. What about for people who maybe have found themselves pregnant with
• 43:30
  no financial plan? I know there's going to be a lot of people who don't have that luxury and have
• 43:35
  found themselves pregnant. And get a surprise baby. I think it's about just, you know what, babies
• 43:41
  don't need a lot. I think we put a lot of pressure on ourselves these days and assume that to be a
• 43:47
  good mother, you're going to take a year off and you're going to have the newest,
• 43:50
  shiniest, everything. Like at the crux of it, you need to find somewhere for baby to sleep.
• 43:56
  You need something for baby to eat and you need something to keep them clean and dry.
• 44:01
  Like at the end of the day, like I've been watching six million TikToks again about packing my
• 44:06
  hospital bag and my newborn essentials. And I'm just looking at it and like in my head, I'm like
• 44:11
  newborn essentials. I need some navies, I need some wipes, I need some of those fancy romper things
• 44:16
  with the zips. Apparently the zips are very important. I need somewhere for them to sleep and I
• 44:20
  need to be able to transport them. So ours has been very, very lean because I just go, babies don't
• 44:25
  need lots. All they need is love. I love that. I just feel fantastic and very empowered. And we
• 44:33
  touched on so many different things. It's great. It's been a fun chat. It's really fun. I
• 44:39
  love the investment to change. I think I'm going to have to tell him that he was on the
• 44:45
  podcast. Like I've told him to not listen. Now it's like, you told him to not listen.
• 44:50
  You know what, this chicken someone tells me, don't do it. I'll be like, I'm going to have to do it.
• 44:55
  I'm just thinking I could probably get away with it. It wasn't, I didn't really give anything away.
• 44:59
  Like maybe I'll just slide it on. I didn't tell us his name. We're going to get all of that
• 45:03
  off of Victoria. You've thrown me under the bus so many times and I'm so glad I can do it back now.
• 45:09
  Oh, lol. Thank you so much. It was really cool to properly meet you. I feel like we sort of
• 45:14
  have known you, but like to actually have you on the podcast. It's been so fun. Same. Right back
• 45:19
  at you. Yeah, thank you so much. Thank you for having me, guys. Hopefully catch you soon. And yeah,
• 45:24
  just sending lots of love over the ditch for hopefully what is a lovely transition into motherhood.
• 45:29
  Thank you so much, guys. Thank you so much for listening to Raising the Curve. These conversations
• 45:36
  are designed to teach you everything that you need to know to be better with your money.
• 45:39
  From saving, to investing, to talking to your friends about your salaries. And if you liked what
• 45:45
  you heard, we would love it. If you could hit the subscribe button, please. Or leave a review.
• 45:50
  It'll take five seconds and it would really make our week. Oh yeah, our month. Okay. Lots of love. See you soon. Bye.