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MONEY DIARIES: A Vet With a Vision! · She's On The Money

• 0:00
  Speaker 1: Hello.
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  Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
• 0:05
  Speaker 2: Order Kerni Whoalbury and a waddery woman. And before we
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  Speaker 2: get started on She's on the Money podcast, I would
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  Speaker 2: like to acknowledge the traditional custodians of the land of
• 0:14
  Speaker 2: which this podcast is recorded on a wondery country, acknowledging
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  Speaker 2: the elders, the ancestors and the next generation coming through
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  Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
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  Speaker 2: the storytelling of you to make a difference for today
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  Speaker 2: and lasting impact for tomorrow.
• 0:33
  Speaker 1: Let's get into it.
• 0:34
  Speaker 3: She's on the Money, She's on the Money.
• 0:57
  Speaker 1: Hello, and welcome to She's on the Money, the podcast
• 1:01
  Speaker 1: for millennials who want financial freedom. My name is Victoria
• 1:05
  Speaker 1: Devine and we are back for another one of our
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  Speaker 1: shop Back Money darries where we get to have a
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  Speaker 1: very exciting conversation with one of our She's on the
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  Speaker 1: Money community members about their money story and the journey
• 1:16
  Speaker 1: that they're on. And this week, as always, we have
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  Speaker 1: a beautiful one for you, So let's dive straight in.
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  Speaker 1: This is the message I got this week. I am
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  Speaker 1: a twenty seven year old veterinarian and have definitely been
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  Speaker 1: living beyond my means despite making a six figure salary.
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  Speaker 1: Given my hectic workload sometimes easily one hundred hours a
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  Speaker 1: week and the emotional told the job takes on myself,
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  Speaker 1: I definitely decide to treat myself a little bit too much.
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  Speaker 1: I've now decided that in order to keep up with
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  Speaker 1: my lifestyle, I'll need to make some drastic changes to
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  Speaker 1: my money habits. I've also decided that this will need
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  Speaker 1: to involve a dramatic mental health overhaul to make it sustainable.
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  Speaker 1: My dad was always and still is obsessed with finances.
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  Speaker 1: He tells me where I need to be at in
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  Speaker 1: my super to be able to retire comfortably weekly and
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  Speaker 1: sends me the spreadsheets. Becoming financially free from him, although
• 2:10
  Speaker 1: probably not the best decision for myself financially, has been
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  Speaker 1: great for my mental health. I really want to share
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  Speaker 1: my story so that other young professionals out there can
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  Speaker 1: have someone to relate to as a single woman who
• 2:21
  Speaker 1: is nowhere near buying a house. All right, money diarist,
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  Speaker 1: what a story? Are you ready to dive straight into
• 2:28
  Speaker 1: this one?
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  Speaker 2: Oh?
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  Speaker 1: My gosh, all right, I want to know. Can you
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  Speaker 1: tell us a little bit more about your money story.
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  Speaker 4: So I guess we can start where I, like I
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  Speaker 4: grew up. I grew up very comfortably.
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  Speaker 5: Like I said, dad's very comfortable with money, sort of
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  Speaker 5: discussing it my family. Both my parents to work full time.
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  Speaker 5: They both have higher degrees. That's got to pitch. Gee,
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  Speaker 5: mum's got higher degree as well.
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  Speaker 1: Oh not the only doctor in the family.
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  Speaker 5: No, no, yeah, Dad's the first doctor. So we always
• 2:58
  Speaker 5: were extremely comfortably. My sister and I went to good schools.
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  Speaker 5: They weren't private schools, but they were you know, well
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  Speaker 5: known public schools that you had to try really hard
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  Speaker 5: to you know, get into. They've always had We've got
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  Speaker 5: investment properties or the family has investment properties. It's my
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  Speaker 5: parents super and they've got their own businesses. Everything with
• 3:15
  Speaker 5: the money, they've done correctly. So yeah, and like I
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  Speaker 5: said in my little blurb that Dad was sort of
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  Speaker 5: always talking about money growing up, and he still is
• 3:25
  Speaker 5: acually having my email calumn a section for him. Says
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  Speaker 5: that all the emails go to cups constant, so I
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  Speaker 5: always get spreadsheets about, yeah, where my finances are meant
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  Speaker 5: to be at and how much are meant to save,
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  Speaker 5: And that's sort of where my money story started.
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  Speaker 1: I love that. Does he want a job? I feel
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  Speaker 1: like he would love that. I feel like there are
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  Speaker 1: a lot of people in our community that need this
• 3:45
  Speaker 1: as well. Ten out of ten Dad behavior.
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  Speaker 4: Oh, he loves a good spreadsheets. I don't want there.
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  Speaker 4: I inherited that from him.
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  Speaker 5: The other part of my money story, I guess, is
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  Speaker 5: that I have a twin sister, and we've taken very
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  Speaker 5: different life paths at the moment. So my degree was
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  Speaker 5: seven years in the end, it took me to finish
• 4:01
  Speaker 5: met school where she is a paramedic who's in London now,
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  Speaker 5: and she finished in three years, moved straight to London
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  Speaker 5: and made really good money, literally traveled the world. So
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  Speaker 5: we've always sort of competed against each other growing up.
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  Speaker 5: So she's obviously got a lot of savings and she can,
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  Speaker 5: you know, travels freely and just living life, especially in London,
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  Speaker 5: whereas I've sort of always been like in the country
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  Speaker 5: town and working for.
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  Speaker 4: Very minimal wage usually until now. But yeah, wow, basically
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  Speaker 4: where I've come from.
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  Speaker 1: How interesting. I feel like, that's really like, it's interesting
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  Speaker 1: to see twins go in two different ways.
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  Speaker 4: Oh, it's just it's scary to look at.
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  Speaker 1: No, it's not. We'll come back to that. We are
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  Speaker 1: going to come back to that, all right. I want
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  Speaker 1: to know what do you do for work now and
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  Speaker 1: how much money do you earn.
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  Speaker 4: So I'm a VET. I started in GP, and like
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  Speaker 4: I said, I was making six figures. Eventually, after a
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  Speaker 4: few months I got a good pay rise.
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  Speaker 5: Then, in the height of COVID, I actually took a
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  Speaker 5: big paycard of about forty to forty five thousand dollars
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  Speaker 5: to be a Vetery intern, which means when you graduate
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  Speaker 5: from VET, you come out as a general practitioner, so
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  Speaker 5: you can get paid okay, but the award's about fifty something,
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  Speaker 5: so not a lot. Yeah, So I was doing well,
• 5:15
  Speaker 5: took a big pay cut, and now I've started after
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  Speaker 5: my internship, I've got a residency, which means I am
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  Speaker 5: treating to be a specialist, and I'm on about ninety
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  Speaker 5: a year, roughly a bit under.
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  Speaker 4: So I was just looking at my paychecks.
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  Speaker 5: Then actually, I've done your course, so I've got all
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  Speaker 5: the bits and pieces spilled in.
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  Speaker 4: So I make.
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  Speaker 5: Twenty two hundred and seventy eight dollars a fortnight after.
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  Speaker 1: Tax, not bad, not bad.
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  Speaker 4: And then you have to take into accountable work expenses.
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  Speaker 1: Oh my gosh. Yeah, look, let's not take that there
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  Speaker 1: right now. I want to know what you're working towards though.
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  Speaker 1: Can you tell us a little bit about your big
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  Speaker 1: money goal?
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  Speaker 5: Yeah, so I've got as for your pregnant again, I've
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  Speaker 5: sort of split up all my little money goals.
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  Speaker 1: Oh so you do the full blown trees on the
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  Speaker 1: money budgeting flow system.
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  Speaker 5: Yep, I've literally done it all. So I've got like
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  Speaker 5: my short, medium, and long term goals.
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  Speaker 1: Yeah.
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  Speaker 5: With my short term goal at the moment is just
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  Speaker 5: to get out of essentially personal debt as quick as
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  Speaker 5: I can, which we'll.
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  Speaker 4: Get into later.
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  Speaker 5: I guess we've got a fair bit of a little
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  Speaker 5: bits and pieces and they sort of all add up.
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  Speaker 4: So that's my first one. And then because of my.
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  Speaker 5: Training program, I actually get to go overseas. I'm not
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  Speaker 5: allowed to just train in the same.
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  Speaker 4: Clinic's the same specialist hospital.
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  Speaker 5: So I'm going to go to Queensland, Hong Kong and
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  Speaker 5: hopefully the UK to do some training in the next
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  Speaker 5: couple of years under some big, well known bets. But
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  Speaker 5: that's going to cost a lot of money.
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  Speaker 1: That's all right. The experience is going to be there,
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  Speaker 1: And the way your eyes lit up when you explained
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  Speaker 1: that to me tells me you cannot wait.
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  Speaker 4: Oh, I'm very excited, really excited.
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  Speaker 5: And then I've got my medium term goal, which i've
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  Speaker 5: put so my first short term I've put sort of
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  Speaker 5: one to two years because I know a lot of
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  Speaker 5: my savings are going to go into my externships. My
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  Speaker 5: medium term goal is to save a very solid emergency fund,
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  Speaker 5: which I know I should do earlier, but it's just realistically,
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  Speaker 5: I'm paying so much debt down and i know it's
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  Speaker 5: going to go straight into the internships. And I've got like,
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  Speaker 5: it's sort of nice that my parents are on top
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  Speaker 5: of money because I can always I always rely on them,
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  Speaker 5: as much as I hate to do it, but just
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  Speaker 5: in this job and this career path that I've taken,
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  Speaker 5: I'm unfortunately not going to be able to save a.
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  Speaker 4: Ton of money while doing the externships. It's just it
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  Speaker 4: is what it is.
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  Speaker 5: So you'll go overseas for a few months at a
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  Speaker 5: time and you won't make any money. So the next
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  Speaker 5: goal is the medium term goal. So I've just sort
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  Speaker 5: of put an arbitrary amount about fifteen thousand I'd like
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  Speaker 5: to be able to get a few months of expenses saved,
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  Speaker 5: and then my long term goal is which is ten
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  Speaker 5: years plus. I've decided that I want to get into
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  Speaker 5: investment properties like my family. But given the market at
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  Speaker 5: the moment and my wage and my debt from that
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  Speaker 5: school and all that, I just think there's to do
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  Speaker 5: that anytime soon.
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  Speaker 1: Still happen in the future, though, that's the plan. If
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  Speaker 1: we make a plan, we are halfway there exactly. Oh
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  Speaker 1: my gosh, I love it. All right. You mentioned debt before,
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  Speaker 1: but I want to ask first about investments, So do
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  Speaker 1: you have any investments? If so, what are they.
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  Speaker 5: I only have my super at the moment, which I
• 8:06
  Speaker 5: checked before.
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  Speaker 4: It's at about seventeen thousand, which I.
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  Speaker 5: Think is pretty good for technically only working full time
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  Speaker 5: for two years. I've only done sort of casual shift
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  Speaker 5: work well at UNI.
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  Speaker 4: That's the only investment I technically have at the moment.
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  Speaker 5: I did have a raise account then I figured, I mean,
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  Speaker 5: it's nice to get into it, but I had so
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  Speaker 5: much debt that I ended up taking the money straight
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  Speaker 5: out of that when it had increased a little bit,
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  Speaker 5: just to pay down the debt.
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  Speaker 4: Quicker, I was paying so much, so much interest.
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  Speaker 1: Yeah, wow, all right, well let's talk about debt then.
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  Speaker 1: I want to know. You mentioned before that you have debts,
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  Speaker 1: So what are they and what are they for?
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  Speaker 4: All right, we'll go through my little list. It's a
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  Speaker 4: very daunting but I was like, I need to have it.
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  Speaker 5: I haven't actually saved in my computer because if I
• 8:44
  Speaker 5: don't have it right in front of me, then I
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  Speaker 5: sort of bury my head in the sand. And one
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  Speaker 5: of these people that are just sort of lived. I
• 8:50
  Speaker 5: do live paycheck unfortunately at the moment. That's because I'm
• 8:54
  Speaker 5: trying to put everything towards payment debts off.
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  Speaker 4: So at the.
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  Speaker 5: Moment, so I did initially pay my help blown off,
• 9:01
  Speaker 5: which was nice when I was working with my six
• 9:04
  Speaker 5: figure job. And then I went back and did a
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  Speaker 5: post rate certificate. So that's sitting at about eighty six hundred,
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  Speaker 5: which is not too bad, but it's still there.
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  Speaker 1: That's not bad debt exactly.
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  Speaker 4: It was about seventy thousand. I think that the school ended.
• 9:17
  Speaker 1: Up being Wow, and you paid all of that off.
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  Speaker 4: I paid a part scholarship part with my own work.
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  Speaker 1: So wow, that's a very big feat on its own
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  Speaker 1: I know.
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  Speaker 5: But look, there's better places I could have put my money,
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  Speaker 5: but it made me feel good to actually pay some
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  Speaker 5: of it off.
• 9:33
  Speaker 1: Yea one hundred percent, and now it's not coming out
• 9:35
  Speaker 1: of your paycheck each and every single month as much
• 9:37
  Speaker 1: as you've already done it. Like, I don't think it's
• 9:39
  Speaker 1: the worst decision.
• 9:40
  Speaker 5: And I've got my car break down, and I had
• 9:42
  Speaker 5: basically no savings though, so I still have a car
• 9:45
  Speaker 5: alan I think it's sitting.
• 9:47
  Speaker 4: Just over eight thousand an hour roughly.
• 9:50
  Speaker 1: Yeah.
• 9:50
  Speaker 4: I also how could I have.
• 9:52
  Speaker 5: I have got a credit card debt, which I consolidated recently,
• 9:56
  Speaker 5: so that's down to four thousand. But I put all
• 9:58
  Speaker 5: my little twenty debts into that. A. I did a
• 10:01
  Speaker 5: balance transfer zero percent interest because I felt like the
• 10:04
  Speaker 5: accounts that I did have, I was spending more in
• 10:07
  Speaker 5: interest per week, per month, and I was actually putting
• 10:10
  Speaker 5: back into the payment so.
• 10:11
  Speaker 4: I wasn't getting anyway. And then I.
• 10:13
  Speaker 5: Had the fine repayments that is about thirteen hundred dollars.
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  Speaker 5: Le've done that, so drive one hundreds or sent car.
• 10:19
  Speaker 4: I didn't realize that.
• 10:21
  Speaker 1: Oh no.
• 10:23
  Speaker 5: And then my workplace also didn't text me correctly in
• 10:25
  Speaker 5: the last year, so I had about sixteen hundred initially
• 10:28
  Speaker 5: on that and that's about down to.
• 10:29
  Speaker 4: I've paid a bit of that off. It's about thirteen hundred.
• 10:32
  Speaker 1: Oh my gosh, so is that a total of around
• 10:35
  Speaker 1: fifteen thousand dollars worth of debt. I'm sorry to add
• 10:38
  Speaker 1: that all up.
• 10:38
  Speaker 4: No, let me actually, let me keep this spreadsheet. It's
• 10:41
  Speaker 4: all along here loan repayments. This is the daunting part.
• 10:44
  Speaker 4: It's a just under twenty four thousand.
• 10:47
  Speaker 1: Okay, all right, not too bad. Honestly, that is not
• 10:50
  Speaker 1: the worst place that you can be. And I think
• 10:53
  Speaker 1: it's interesting that you said, look, I just bury my
• 10:55
  Speaker 1: head in the sand. But it kind of is what
• 10:57
  Speaker 1: it is, right Like, we don't need to we recify
• 11:00
  Speaker 1: ourselves over debt. We just need to go it's there.
• 11:02
  Speaker 1: We need to make a plan for it, full stop.
• 11:04
  Speaker 1: End of story. I think the most important thing you
• 11:06
  Speaker 1: can do when it comes to managing money is just
• 11:08
  Speaker 1: acknowledges the existence and kind of pick yourself up and
• 11:12
  Speaker 1: move on, because if we dwell on it, like, it
• 11:14
  Speaker 1: doesn't actually grow us, it doesn't benefit us, it doesn't
• 11:17
  Speaker 1: put us in a better position, like feeling bad about
• 11:19
  Speaker 1: things like that's a waste of time from my perspective.
• 11:22
  Speaker 1: But what we can do is do exactly what you're
• 11:25
  Speaker 1: doing right now, is create a budget and cash flow
• 11:27
  Speaker 1: system that works and put it into place, and then
• 11:30
  Speaker 1: you know that plan is eventually going to work. And
• 11:33
  Speaker 1: just because you're in debt doesn't mean we can't project
• 11:35
  Speaker 1: ourselves forward still, like paying off debt is a really
• 11:38
  Speaker 1: good lesson, Like it is a lesson in discipline, in savings.
• 11:41
  Speaker 1: And the second that you've paid off that twenty four
• 11:43
  Speaker 1: thousand dollars worth of debt, well that's twenty four thousand
• 11:46
  Speaker 1: dollars worth of savings we now can create because I
• 11:49
  Speaker 1: know that you've been able to save that in a way.
• 11:51
  Speaker 1: So that's a good position to be in, my friend,
• 11:53
  Speaker 1: I don't think it is the most negative, but I
• 11:56
  Speaker 1: mean that's not how the person who is in debt
• 11:58
  Speaker 1: often feels.
• 12:00
  Speaker 4: Yeah, no, definitely not. And I think, look, it's eye opening.
• 12:03
  Speaker 5: Like I did the course, I've got it in front
• 12:05
  Speaker 5: of me and I literally keep a list right on
• 12:07
  Speaker 5: my computer where I check every day. And it's sort
• 12:09
  Speaker 5: of nice because once I pay a little bit more,
• 12:12
  Speaker 5: I'll just sort of knock the price down on my
• 12:14
  Speaker 5: little It's just like a little note on my computer
• 12:16
  Speaker 5: so I can visualize it every day and be like, look,
• 12:18
  Speaker 5: this is actually a lot smaller than it used to be.
• 12:20
  Speaker 5: And since doing that, I've been like, Okay, I'll pick
• 12:23
  Speaker 5: a couple shifts up in the er department, or I'll
• 12:26
  Speaker 5: start another job very soon, just on the side, which
• 12:29
  Speaker 5: will make me. It could make me another fifteen hundred
• 12:31
  Speaker 5: per week potentially.
• 12:33
  Speaker 1: Oh my gosh, she'll smash it off in no time.
• 12:36
  Speaker 4: Yeah, that's the aim.
• 12:38
  Speaker 1: Oh, I love this figure. That is so exciting. All right,
• 12:42
  Speaker 1: let's move on to the next question. I want to
• 12:45
  Speaker 1: know when you're shopping online, do you shop back?
• 12:47
  Speaker 4: I sure do.
• 12:48
  Speaker 5: I've been using it for years. I've totally forgot I
• 12:50
  Speaker 5: had it until you guys, I'm talking about it on
• 12:53
  Speaker 5: the podcast again. And then I went back and it
• 12:55
  Speaker 5: turns out I had about thirty dollars. So I made
• 12:57
  Speaker 5: a new account that they let me merge it. I
• 12:58
  Speaker 5: use the cheating my.
• 12:59
  Speaker 1: Money, oh money ween.
• 13:01
  Speaker 5: The other day, I think I got sixty dollars out
• 13:03
  Speaker 5: of it, so, but I can't remember when I put
• 13:05
  Speaker 5: it towards I paid something with it, but I was like,
• 13:08
  Speaker 5: I may as well take money from that and use
• 13:09
  Speaker 5: it while I can, and if I buy it all
• 13:11
  Speaker 5: my dog food, anything that I can, I try to
• 13:13
  Speaker 5: buy a lance.
• 13:14
  Speaker 1: So yeah, how good. I love that You're like, oh,
• 13:17
  Speaker 1: I still got the discount code even though I wasn't
• 13:19
  Speaker 1: the one that introduced you to it. Like that's a
• 13:21
  Speaker 1: money in itself. I think you're a genius. Ten out
• 13:24
  Speaker 1: of ten good money hack. The next question I have
• 13:27
  Speaker 1: for you, I want to know, what do you think
• 13:29
  Speaker 1: is your best money habit.
• 13:31
  Speaker 4: I think it's like that again.
• 13:32
  Speaker 5: I think I'm just good at getting the best price
• 13:34
  Speaker 5: I can. I used to be very I would just
• 13:38
  Speaker 5: buy things if I saw it and I wanted it,
• 13:40
  Speaker 5: Whereas nowadays, because I'm so I know how much debt
• 13:43
  Speaker 5: I have, I actually step back and you know, the
• 13:45
  Speaker 5: time between my purchasers. Like generally I will be like
• 13:50
  Speaker 5: do I really need this? When I'm going to purchase something.
• 13:54
  Speaker 5: It's one thing I think I do quite well. It
• 13:56
  Speaker 5: definitely like it takes to me hundreds here and there
• 13:58
  Speaker 5: because if I go out and I look at it,
• 14:00
  Speaker 5: donate that other shoes really, So it's something that I've
• 14:03
  Speaker 5: developed over the last few years.
• 14:05
  Speaker 1: Definitely, that is a good habit. I want to bring
• 14:07
  Speaker 1: the mood down, though, I want to know, now, what
• 14:10
  Speaker 1: is your worst money habit?
• 14:11
  Speaker 5: Probably putting my head in the sand, especially when it
• 14:13
  Speaker 5: comes to like grocery, some little purchases. I was adding
• 14:17
  Speaker 5: them up the other day and I spent like an
• 14:18
  Speaker 5: extra two hundred dollars over when I budgeted, just between
• 14:21
  Speaker 5: like drinks and coffee and buying food out. We've got
• 14:24
  Speaker 5: a put across the road from work, Zonce's had a
• 14:26
  Speaker 5: crap tea. A lot of us will be like, oh,
• 14:28
  Speaker 5: let's go to the pub and have a drink, and.
• 14:30
  Speaker 1: It adds up totally, totally. All right, Last question I've
• 14:35
  Speaker 1: got for you before we head to a quick break,
• 14:37
  Speaker 1: I want to know what would you grade yourself if
• 14:39
  Speaker 1: we forced you to give yourself a money grade.
• 14:42
  Speaker 5: I'd probably say like a sea at the moment, mainly
• 14:47
  Speaker 5: because I obviously have the death still and they don't
• 14:51
  Speaker 5: feel very financially free yet, and that's what I want
• 14:53
  Speaker 5: to achieve, and I don't want to be living week
• 14:56
  Speaker 5: to week off paychecks, which I'm doing at the moment
• 14:58
  Speaker 5: because I'm trying to pay them. So once I get
• 15:01
  Speaker 5: on top of that and probably get on top of
• 15:04
  Speaker 5: my depth a little bit more and have a bit
• 15:05
  Speaker 5: of a saving space.
• 15:07
  Speaker 4: Then I probably increase it a bit.
• 15:09
  Speaker 5: But with my where my career will go totally that
• 15:13
  Speaker 5: will happen in the next five years.
• 15:15
  Speaker 1: Yeah, Oh my gosh. All right, Well, I have a
• 15:18
  Speaker 1: lot of questions for you. I want to talk to
• 15:20
  Speaker 1: you about growing up as a twin. I want to
• 15:21
  Speaker 1: know what it's like mentally to work as a vet
• 15:24
  Speaker 1: and if it's actually Victoria Devine's dream job, because that's
• 15:27
  Speaker 1: what she thought she wanted to be when she was little.
• 15:29
  Speaker 1: But I have a heap of questions for you. But
• 15:32
  Speaker 1: we're first going to go to a really quick break.
• 15:33
  Speaker 1: Don't go anywhere, guys. All right, money diarist, We are back,
• 15:41
  Speaker 1: and I want to dive straight in. When I was little,
• 15:44
  Speaker 1: all I wanted in life was to become a vet?
• 15:47
  Speaker 1: Is it all that it has cracked up to be?
• 15:49
  Speaker 1: I feel like you are living my dream job.
• 15:52
  Speaker 4: That's what most people think. No, I love it. I do.
• 15:57
  Speaker 4: I do.
• 15:58
  Speaker 5: I really love my patience, and I think the work itself,
• 16:02
  Speaker 5: like the science behind everything's very very interesting. It's just
• 16:05
  Speaker 5: a very taxing job mentally and financially. Like I was
• 16:10
  Speaker 5: saying before our award, which is dramatically improved in the
• 16:13
  Speaker 5: last five years. When you graduate, I think you're on
• 16:16
  Speaker 5: about fifty seven thousand, like, which is not a lot
• 16:19
  Speaker 5: of money compared to like my friends.
• 16:21
  Speaker 4: That finish med school and thereon, they.
• 16:23
  Speaker 5: Can be close to double that as soon as you
• 16:25
  Speaker 5: come out. So in that way, it's quite taxing as well,
• 16:27
  Speaker 5: especially like living in Sydney, so everything's way more expensive now.
• 16:31
  Speaker 5: It's also it costs a lot of money just to
• 16:34
  Speaker 5: keep up, like to keep up with continuing education. I
• 16:37
  Speaker 5: think it's spent about seven thousand last year and that
• 16:39
  Speaker 5: was a minimum on CPD points and things like that.
• 16:42
  Speaker 5: But like I said, I do absolutely love it, and
• 16:45
  Speaker 5: there's there's definitely places you can progress your career. And
• 16:49
  Speaker 5: I actually don't like working with the young cute dogs.
• 16:51
  Speaker 5: I like working with the old crossy ones. It's my
• 16:53
  Speaker 5: area that I want to specialize in.
• 16:55
  Speaker 1: Oh, dogs are more special though I am convinced like
• 16:58
  Speaker 1: there's something so wholesome and space about an old baby.
• 17:01
  Speaker 5: I just love it because everyone in the ear like
• 17:03
  Speaker 5: when they transferred to me in the specialist department, they'll
• 17:05
  Speaker 5: give me the old crosses because that's.
• 17:06
  Speaker 4: All I want to deal with.
• 17:08
  Speaker 5: That's actually where I've taken my new job with a
• 17:10
  Speaker 5: Paletti of care business as well in Sydney.
• 17:12
  Speaker 1: So oh my gosh, that's so wholesome.
• 17:15
  Speaker 5: We'll go around to people's house, isn't either. It sounds
• 17:18
  Speaker 5: really depressing, but it's quite nice. I actually put their
• 17:20
  Speaker 5: dogs down at home around their family, or perform paliative care.
• 17:24
  Speaker 4: Practices at times they don't have to come into the clinic.
• 17:26
  Speaker 4: But yeah, no, I love. I did not see my
• 17:29
  Speaker 4: career going in that direction at all.
• 17:30
  Speaker 5: I thought I just wanted to be a general practice
• 17:32
  Speaker 5: that or even work with cows. I didn't actually think
• 17:34
  Speaker 5: I'd be ending up working with old crossings. But yeah,
• 17:37
  Speaker 5: that's where my career is safe in me at the moment,
• 17:39
  Speaker 5: and I'm absolutely loving it.
• 17:41
  Speaker 4: But yeah, like every job, it's got a substance down.
• 17:44
  Speaker 1: How do you deal with that mentally? Because I actually
• 17:47
  Speaker 1: think that that is it's a really special position to
• 17:50
  Speaker 1: be in. Having had pets that I have had to
• 17:54
  Speaker 1: put to sleep before, it is heartbreaking and one of
• 17:57
  Speaker 1: the hardest things ever. And you know, the idea that
• 18:00
  Speaker 1: you can do it at home, I don't think was
• 18:01
  Speaker 1: an option available to us when we did that. I
• 18:04
  Speaker 1: remember our first dog had to be put to sleep
• 18:07
  Speaker 1: on Christmas Eve one year when I was twelve, and
• 18:10
  Speaker 1: it was heartbreaking. And now I can't drive past that
• 18:13
  Speaker 1: vet without thinking of it. And it just wasn't this
• 18:16
  Speaker 1: you know, experience that you know she deserved. And I
• 18:20
  Speaker 1: mean she had the best life ever, right like she
• 18:22
  Speaker 1: was Milo the dog. She was the best thing that
• 18:24
  Speaker 1: ever happened to my family. She existed in the family
• 18:26
  Speaker 1: before I did, and then she passed away when I
• 18:29
  Speaker 1: would have been at high school, right like she had
• 18:31
  Speaker 1: a legacy. But I feel like being able to do
• 18:35
  Speaker 1: that in people's homes is so special, But that would
• 18:37
  Speaker 1: take such a toll for me, Like how do you
• 18:39
  Speaker 1: deal with that and how do you look after yourself
• 18:42
  Speaker 1: in a role like this?
• 18:44
  Speaker 5: Well, I feel like that's the It's like again, it
• 18:48
  Speaker 5: sounds really funny, but it's I was talking to someone
• 18:51
  Speaker 5: calling about this the other day actually, and that kind
• 18:54
  Speaker 5: of things actually called it filling my vet cup. Because
• 18:57
  Speaker 5: the families are so grateful in most cases, beautiful family,
• 19:02
  Speaker 5: Like in your situation, it's usually you know, the family's
• 19:05
  Speaker 5: first baby that they're putting down and they're just very appreciative.
• 19:09
  Speaker 4: And if it's like a pallid.
• 19:10
  Speaker 5: Care type consult at least we know that we're making
• 19:13
  Speaker 5: a plan and making the animal most comfortable and doing
• 19:16
  Speaker 5: the most the most respectful thing we can for them.
• 19:19
  Speaker 5: Same when it comes to euthanasia, because so we obviously
• 19:21
  Speaker 5: I will go out or even in the clinic, will
• 19:23
  Speaker 5: tell them if it's you know, we think it's actually
• 19:25
  Speaker 5: a time because we have to be an advocate for
• 19:27
  Speaker 5: the animal.
• 19:28
  Speaker 4: It's all about mindset.
• 19:29
  Speaker 5: I really don't mind doing it if I think it's
• 19:31
  Speaker 5: genuinely the best decision for.
• 19:33
  Speaker 4: Both the animal and for the client. Especially it sounds
• 19:36
  Speaker 4: like bad.
• 19:37
  Speaker 5: Money obviously comes into it a lot, especially working in
• 19:39
  Speaker 5: a specialist clinic. Some animals, some treatments cost tens of
• 19:43
  Speaker 5: thousands of dollars, and.
• 19:44
  Speaker 4: People course can't afford that, especially in this day and age.
• 19:47
  Speaker 4: We're getting people that are taking loans out and I
• 19:49
  Speaker 4: don't I don't like.
• 19:49
  Speaker 5: To see the clients in that position either where they
• 19:51
  Speaker 5: kind of compete themselves or they can't pay the rent.
• 19:54
  Speaker 4: If euthanasia is a feasible option. As bad as that sounds, Yeah,
• 19:58
  Speaker 4: and as for keeping myself and my mental health under control,
• 20:03
  Speaker 4: I feel like doing the at home stuff.
• 20:06
  Speaker 5: It fills my cup because we're doing something really sweet
• 20:08
  Speaker 5: for the family, and most animals hate going to the
• 20:10
  Speaker 5: vets anyway, especially when they get to fifteen and they're
• 20:13
  Speaker 5: in pain and they're.
• 20:15
  Speaker 4: Experiences at the vet before, whereas doing.
• 20:18
  Speaker 5: A lot of my normal everyday work doesn't because I
• 20:21
  Speaker 5: just get a lot of abusive clients as that as
• 20:23
  Speaker 5: it sounds just because of the money started thing and
• 20:25
  Speaker 5: just the nature of the practice that I'm in, So
• 20:29
  Speaker 5: it sounds awful, But when I explain it to people,
• 20:32
  Speaker 5: I get they generally understand where I'm coming from.
• 20:35
  Speaker 4: So if you just have to put yourself in that position.
• 20:37
  Speaker 1: Yourself, yeah, it doesn't mean that you love doing it,
• 20:39
  Speaker 1: but I think that getting the best outcome for the
• 20:41
  Speaker 1: animal and the family, like that's, you know, at the
• 20:44
  Speaker 1: end of the day, a dream role. And I just
• 20:46
  Speaker 1: I don't know, I've got a lot to say about
• 20:48
  Speaker 1: that space because I just think that humans should be
• 20:50
  Speaker 1: extended that same grace. But we won't go down that
• 20:53
  Speaker 1: path at this time. I want to pivot the conversation. Actually,
• 20:58
  Speaker 1: you said something at the very beginning of our conversation.
• 21:01
  Speaker 1: You grew up as a twin and you felt like
• 21:04
  Speaker 1: it will feel like you're always competing against your twin.
• 21:08
  Speaker 1: And it's an interesting concept because we talk about it
• 21:11
  Speaker 1: on the podcast all the time, that comparison is the
• 21:13
  Speaker 1: thief of joy. But you've literally grown up with somebody
• 21:17
  Speaker 1: who's basically cut paste of you. I'm assuming and watching
• 21:21
  Speaker 1: them flourish might not be the easiest thing to do.
• 21:25
  Speaker 1: So can you talk us through what that's like and
• 21:28
  Speaker 1: why that's the case, because I feel like I've got
• 21:31
  Speaker 1: some choice words for you to stop doing that after this.
• 21:35
  Speaker 4: Yeah.
• 21:35
  Speaker 5: So, literally, if you have a kid, obviously, even to the
• 21:39
  Speaker 5: same primary school, we had all the same friends, be
• 21:42
  Speaker 5: just to people Cindy.
• 21:43
  Speaker 4: Suburb, so it was like from the get go. And
• 21:46
  Speaker 4: I think it's just.
• 21:46
  Speaker 5: Our personalities in the family we grew up in just
• 21:50
  Speaker 5: super competitive, whether it came to like just extracurricular activities
• 21:54
  Speaker 5: or school grades. Usually school grade when we were school age,
• 21:57
  Speaker 5: that was the main thing. Oh my gosh, I just
• 21:59
  Speaker 5: said a very bad memory of school. Actually, in our
• 22:02
  Speaker 5: hc SO year twelve, Dad put together this is probably
• 22:06
  Speaker 5: where some of my she's going from. Dad put together
• 22:09
  Speaker 5: a payment scheme depending on what a tire you got.
• 22:13
  Speaker 4: She's probably not the best thing you could do for
• 22:16
  Speaker 4: like a.
• 22:16
  Speaker 1: Young Oh, the pressure no dads.
• 22:20
  Speaker 4: I know.
• 22:21
  Speaker 5: So we both ended up splitting from our regular high schools,
• 22:24
  Speaker 5: which didn't solve a lot of issues because then we
• 22:26
  Speaker 5: weren't constantly competing against each other at school, and obviously
• 22:29
  Speaker 5: we're both quite academic.
• 22:31
  Speaker 4: So she went to our local selective school.
• 22:33
  Speaker 5: I went to one out west, and my school actually
• 22:36
  Speaker 5: ranked better. We played the HC game a little bit,
• 22:39
  Speaker 5: and I obviously got better marks probably well.
• 22:43
  Speaker 4: I did well in some of my very well in
• 22:45
  Speaker 4: some of my subjects.
• 22:45
  Speaker 5: But I probably got a lot of good My ati
• 22:47
  Speaker 5: in general was better just because at.
• 22:49
  Speaker 4: The school I went to, because.
• 22:50
  Speaker 5: It was ranked high, so I think everyone pulled my
• 22:52
  Speaker 5: marks up. So in that case, my sister probably got
• 22:55
  Speaker 5: ten points below me.
• 22:56
  Speaker 4: I think it ended up being and I don't.
• 22:58
  Speaker 5: Even think she made it technically onto dance scheme, which
• 23:01
  Speaker 5: was just awkward in general. So he literally for every mark,
• 23:06
  Speaker 5: he had a different amount of money than he would
• 23:07
  Speaker 5: pay us if we got that mark or if it
• 23:10
  Speaker 5: was over like ninety nine, he would buy us a
• 23:12
  Speaker 5: new car, which we both didn't achieve. But it's just
• 23:16
  Speaker 5: got a pressure growing up obviously, So that's my I mean,
• 23:19
  Speaker 5: this is my money.
• 23:20
  Speaker 4: Story as well.
• 23:21
  Speaker 1: Yeah, dad, we need to sit down and talk about
• 23:23
  Speaker 1: toxic behavior. We really need to have a chat. I'll
• 23:26
  Speaker 1: talk to him later, I know.
• 23:27
  Speaker 4: I mean it's only to be.
• 23:28
  Speaker 5: My psychologist is multiple times as well, because she's like,
• 23:31
  Speaker 5: that's that's not normal, and I'm like, oh, I'm weare
• 23:33
  Speaker 5: of it now.
• 23:34
  Speaker 1: That's a lot. I'm so sorry that was your experience. HC.
• 23:38
  Speaker 1: Or you're eleven twelve.
• 23:40
  Speaker 4: I can look back and laugh at it now, like
• 23:42
  Speaker 4: I no, it's it's not like that.
• 23:45
  Speaker 1: Yeah, but if you don't laugh, you'r criy. So I
• 23:47
  Speaker 1: feel like that circumstance like HC and you're eleven twelve
• 23:51
  Speaker 1: are just such traumatic periods of time as it is
• 23:54
  Speaker 1: like you are a teenager still you're a hormone or
• 23:56
  Speaker 1: you're putting so much pressure on yourself to pick a
• 23:59
  Speaker 1: career and how want would you know what career you
• 24:01
  Speaker 1: want to do if you're still a child, like you
• 24:04
  Speaker 1: don't know what these things are. So I just I'm
• 24:07
  Speaker 1: sorry that was your experience. But talk to me about
• 24:10
  Speaker 1: comparison as an adult, because I feel like as an adult,
• 24:14
  Speaker 1: like you are you and that is special And you
• 24:17
  Speaker 1: know you've said that you feel like a bit behind
• 24:20
  Speaker 1: from everybody else. But I just want to know how
• 24:23
  Speaker 1: we can move you away from this or what other
• 24:25
  Speaker 1: twins are thinking in these circumstances.
• 24:28
  Speaker 5: So, like I said, my sister, well, now she's in
• 24:31
  Speaker 5: London as paramedic and she's making very good money, especially
• 24:34
  Speaker 5: because they get a lot of overtime, whereas I spent
• 24:37
  Speaker 5: more than twice the emailt of time at Union. I'm
• 24:40
  Speaker 5: very dependent on my parents and at time and to
• 24:43
  Speaker 5: get literally to get by. Like I said, I really
• 24:46
  Speaker 5: don't have any savings at the moment because of all
• 24:48
  Speaker 5: the deaths that I have, but I can't help that.
• 24:51
  Speaker 4: So it's just it.
• 24:52
  Speaker 5: Gets very awkward when she's like, come and meet me
• 24:55
  Speaker 5: in Greece, and I'm like, we want money, and then
• 24:58
  Speaker 5: she's like, we'll pay for you, when I was like,
• 25:00
  Speaker 5: but then I'll own like five thousand dollars and I
• 25:02
  Speaker 5: just don't have the money to pay that back and
• 25:05
  Speaker 5: I don't want to do that.
• 25:05
  Speaker 4: To us either. And then oh, and then I've got obviously,
• 25:09
  Speaker 4: I've got my friends that are all the majority of
• 25:12
  Speaker 4: my friends.
• 25:12
  Speaker 5: Are teachers and nurses that they came out of UNI
• 25:14
  Speaker 5: a very similar time to her, and they're all pretty well,
• 25:18
  Speaker 5: at the stage where I think my girl group has
• 25:20
  Speaker 5: bought a house now and then probably half of them
• 25:25
  Speaker 5: now are getting engaged, some of them have babies, and
• 25:28
  Speaker 5: I'm obviously at a very very different time point in
• 25:32
  Speaker 5: my life.
• 25:33
  Speaker 4: To them at the moment.
• 25:34
  Speaker 5: Of course, it's obviously very difficult when they're talking about
• 25:38
  Speaker 5: buying houses. And I was like, I love all listening
• 25:40
  Speaker 5: to all these stuffs, but I listen to podcasts and
• 25:42
  Speaker 5: I love reading. I just love financings in general. But
• 25:44
  Speaker 5: I just know that it's going to be like a
• 25:45
  Speaker 5: good ten years before I'm in that position.
• 25:48
  Speaker 1: Yeah, And do you know what, that's okay? And I
• 25:50
  Speaker 1: think that that is a really hard position to be
• 25:53
  Speaker 1: in because in a way, you might assume or feel
• 25:56
  Speaker 1: that you all had exactly the same start point because
• 25:58
  Speaker 1: you're graduated from the same place and kind of have
• 26:01
  Speaker 1: been friends. I'm assuming that economically you probably have very
• 26:04
  Speaker 1: similar families and backgrounds and experiences. So that can make
• 26:08
  Speaker 1: us feel really behind. But I guarantee you there are
• 26:11
  Speaker 1: people listening to your story right now, going my gosh,
• 26:14
  Speaker 1: you's so far ahead. Oh my gosh, you went to
• 26:15
  Speaker 1: UNI for seven years, Like that's crazy. You mentioned before
• 26:19
  Speaker 1: that you're going to go on international externships, like are
• 26:22
  Speaker 1: you kidding? That is the dream, Like you are going
• 26:25
  Speaker 1: to be absolutely flying ahead of them in years to come,
• 26:29
  Speaker 1: because don't forget as a VET. As much as you
• 26:32
  Speaker 1: don't start at a high salary, there is absolutely so
• 26:35
  Speaker 1: much opportunity in the future. And it's not necessarily about
• 26:38
  Speaker 1: how much money you earn, but rather how happy you are.
• 26:41
  Speaker 1: And it's very, very hard to be a happy human
• 26:43
  Speaker 1: being if you're consistently looking at the happiness of other
• 26:46
  Speaker 1: people and going, oh, I can't be happy because I
• 26:49
  Speaker 1: don't have what they have. I think it's about a
• 26:52
  Speaker 1: little bit more self gratitude and looking internally and going, oh,
• 26:55
  Speaker 1: my gosh, I'm actually a really cool human, Like I've
• 26:58
  Speaker 1: paid off seventy thousand dollars worth of my help debt
• 27:00
  Speaker 1: or my own I killed it, Like, babe, that's more
• 27:03
  Speaker 1: than a house deposit for most people. Like you, you're
• 27:07
  Speaker 1: a very cool human doing very very cool things. And
• 27:10
  Speaker 1: I think you're giving yourself a little bit too much
• 27:12
  Speaker 1: undue pressure.
• 27:13
  Speaker 5: And I think the big thing is like like, because
• 27:16
  Speaker 5: my friends will listen to the podcast as well, and
• 27:18
  Speaker 5: so we all like we literally all listen to it.
• 27:20
  Speaker 5: And so we have these conversations and we talk very openly,
• 27:23
  Speaker 5: and I'll obviously openly expressing like a very freaking broken
• 27:27
  Speaker 5: moment just with the debts that I have to pay off.
• 27:30
  Speaker 5: But then they'll all obviously turn around and be like, doctor.
• 27:34
  Speaker 1: Yeah, you're a doctor, Like that's crazy, but I don't look.
• 27:37
  Speaker 5: At it like that obviously, So but they then they say,
• 27:41
  Speaker 5: you know, put me in my placement, but you're actually
• 27:44
  Speaker 5: doing big things, and residence is very hard to get,
• 27:48
  Speaker 5: especially in the early stage of your career. So I'm
• 27:50
  Speaker 5: doing I am doing well, but it's just hard to
• 27:52
  Speaker 5: obviously force myself to think like that.
• 27:55
  Speaker 1: Yeah, And I think that, you know, going back to
• 27:58
  Speaker 1: you saying that you're doing my budget and cash flow
• 27:59
  Speaker 1: my class, I think that maybe go back to that
• 28:02
  Speaker 1: and go resell all your values and your goals and
• 28:04
  Speaker 1: maybe pop some blinkers on and just focus on that
• 28:08
  Speaker 1: and what you're up to, and maybe put in place
• 28:11
  Speaker 1: not only a plan to achieve that, but a plan
• 28:13
  Speaker 1: to celebrate the small things, like what are you going
• 28:16
  Speaker 1: to do when you pay off your four thousand dollars
• 28:18
  Speaker 1: worth of credit card debt? Like are you going to
• 28:20
  Speaker 1: celebrate like are you going to, you know, give yourself
• 28:23
  Speaker 1: a pat on the back. What does that look like?
• 28:25
  Speaker 1: Because as much as you feel like these are small things,
• 28:28
  Speaker 1: when quote other people are doing better, bigger things and
• 28:30
  Speaker 1: half your friends group has a house already, like these
• 28:33
  Speaker 1: things are actually massive. Like these things are huge deals,
• 28:37
  Speaker 1: and we need to celebrate them because it is really impressive.
• 28:40
  Speaker 1: It is really important, and I just can't wait to
• 28:43
  Speaker 1: see you in three, five, ten years absolutely killing it
• 28:46
  Speaker 1: going Victoria, I don't know what I was talking about. Like,
• 28:50
  Speaker 1: I am a doctor, I am doing this stuff. I've
• 28:52
  Speaker 1: done international externships and like that is very cool. Like
• 28:56
  Speaker 1: before I leave you, though, I want to know when
• 28:58
  Speaker 1: you get back from your internettional externships, like what kind
• 29:01
  Speaker 1: of jobs will you be able to take on and
• 29:04
  Speaker 1: do and what does that actually look like for you?
• 29:06
  Speaker 4: So I've got a nice little timeline.
• 29:09
  Speaker 1: See she's got a plan, she's probably got a spreadsheet.
• 29:12
  Speaker 5: I mean, I found a six year contract, so it's
• 29:14
  Speaker 5: already in me. I'm still in the same place. But
• 29:18
  Speaker 5: so I do my residency. In that residency, I do
• 29:21
  Speaker 5: my externship, and what I do is I complete it.
• 29:25
  Speaker 4: Then I'm a registrar for a.
• 29:26
  Speaker 5: Few years and I do lots of study, lots and
• 29:29
  Speaker 5: lots of extra study, sit my fellowship exams, and once
• 29:32
  Speaker 5: I've finished that, so that's in about five to six years,
• 29:35
  Speaker 5: i'll probably sit my fellowship exams. When I'm accepted to
• 29:39
  Speaker 5: the college, I'm going to be a small animal internal
• 29:42
  Speaker 5: medicine specialist.
• 29:43
  Speaker 4: Wow, I'm lucky because I've.
• 29:45
  Speaker 5: Got some supervisors that are very keen on my ideas.
• 29:49
  Speaker 5: I actually want to be a geriatrician for animals, which
• 29:52
  Speaker 5: isn't a thing yet, but I feel like in.
• 29:54
  Speaker 4: The future it needs to be. I think we do
• 29:56
  Speaker 4: it in people, why.
• 29:57
  Speaker 5: Wouldn't we do it in animals, especially when we can
• 29:59
  Speaker 5: keep them alive longer.
• 30:01
  Speaker 4: So five or six years, hopefully one of Australia's first juristricians.
• 30:06
  Speaker 4: But old doggos, that's the plan.
• 30:07
  Speaker 1: Oh my gosh, that is so wholesome and so special.
• 30:11
  Speaker 1: But also look at that career trajectory, like that is
• 30:15
  Speaker 1: so cool to have that clarity. I need you to
• 30:18
  Speaker 1: give yourself a little bit more credit, my friend, Like
• 30:20
  Speaker 1: I feel like you are not giving yourself nearly enough.
• 30:24
  Speaker 5: Yeah, I feel like sometimes I just need to step
• 30:25
  Speaker 5: back and be like, you know what, I've actually I
• 30:28
  Speaker 5: have achieved a lot in twenty seven.
• 30:30
  Speaker 1: Years, absolutely have. I'm so impressed by you and so
• 30:35
  Speaker 1: proud of what you've done already and cannot wait to
• 30:38
  Speaker 1: see where you're going. Oh I wish we had more
• 30:40
  Speaker 1: time to keep talking, but my love, I think that
• 30:43
  Speaker 1: that is all we have time for today. So thank
• 30:45
  Speaker 1: you so much for coming on the show and sharing
• 30:47
  Speaker 1: your story and being a part of our little family
• 30:50
  Speaker 1: here at Cheese on the Money. I am honestly so
• 30:52
  Speaker 1: grateful and so in awe of you.
• 30:54
  Speaker 4: Thank you so much. It's been so good.
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