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MONEY DIARIES: Around the World & Reclaiming Her Self-worth · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
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  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.
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  Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
• 0:27
  Speaker 1: the storytelling of you to make a difference for today
• 0:31
  Speaker 1: and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money, She's on the Money.
• 0:58
  Speaker 2: Hello and welcome to The Money the Podcast Millennials who
• 1:02
  Speaker 2: want financial freedom. Welcome back to another one of our
• 1:05
  Speaker 2: Money Diary episodes where I get the absolute privilege of
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  Speaker 2: sitting down with oneever beautiful community members and learning all
• 1:13
  Speaker 2: about their journey. Let's jump straight into it, because this
• 1:16
  Speaker 2: week I got a message and it sounded just like this. Hi, Victoria.
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  Speaker 2: It has been a huge journey for me from meeting
• 1:23
  Speaker 2: the love of my life and following him to Australia
• 1:26
  Speaker 2: and leaving behind my dream job and my life only
• 1:31
  Speaker 2: to find out that that relationship was toxic. Fortunately, I'm
• 1:35
  Speaker 2: now reclaiming my self worth and I'm back on track.
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  Speaker 2: I'm sure many people in the community will relate to
• 1:41
  Speaker 2: this story. Oh my gosh, they totally will. I'm so
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  Speaker 2: excited to have you on the show money Drest.
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  Speaker 4: Welcome, all welcome, thank you.
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  Speaker 2: Oh my gosh, I want to know so much about you. First,
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  Speaker 2: cab off the rank as always. What money grade would
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  Speaker 2: you give yourself if I asked you to give your
• 1:58
  Speaker 2: money grades a rating between A through to F.
• 2:01
  Speaker 4: Yeah, I think I'd actually give myself an AUS.
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  Speaker 2: No, Okay, I love this. You really are claiming yourself
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  Speaker 2: worth back.
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  Speaker 4: Yes, I am a queen.
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  Speaker 2: Alright, let's jump into my favorite question of all time,
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  Speaker 2: money diarist. Can you please share some more information with
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  Speaker 2: me about your money story? Yeah?
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  Speaker 4: Absolutely so. I moved to Australia in twenty seventeen and
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  Speaker 4: at the time I was the event and tour manager
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  Speaker 4: for a major global band.
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  Speaker 2: Yeah, I know, and you told me before, and like
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  Speaker 2: it is really really major so gold.
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  Speaker 4: Yeah, it was good. I was living the dream. I
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  Speaker 4: was having these amazing life experiences. I was making decent money,
• 2:42
  Speaker 4: but it was one of those jobs where I was like,
• 2:45
  Speaker 4: I'm happy making this amount of money because of the
• 2:47
  Speaker 4: life experiences I'm getting. And then, as you introed, I
• 2:51
  Speaker 4: met a Nazie man while we were both traveling and
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  Speaker 4: I ended up moving to Australia in twenty seventeen. So
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  Speaker 4: money wise, I continued doing that same job for about
• 3:03
  Speaker 4: three years actually after I moved here.
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  Speaker 2: Oh my gosh, but.
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  Speaker 4: The money started getting smaller and smaller because what I
• 3:08
  Speaker 4: could do from Australia was a lot less. Yeah, okay,
• 3:12
  Speaker 4: so I wasn't making too much. I was making the
• 3:14
  Speaker 4: bare minimum and everything was actually fine. There was nothing
• 3:18
  Speaker 4: wrong with that. It was actually really okay. And then
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  Speaker 4: I was working through my company and Canada at the time,
• 3:22
  Speaker 4: and then I got my Australian visa, which is really
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  Speaker 4: when I started my business here in Australia. And then
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  Speaker 4: I started making more and more and more money now
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  Speaker 4: that I could pick up Australian clients. So yeah, I
• 3:33
  Speaker 4: went from okay money to almost minimal money to where
• 3:37
  Speaker 4: I am now, where I'm making good money.
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  Speaker 2: Yeah, how good? Yeah, what's the butt? I know there's
• 3:44
  Speaker 2: a butt.
• 3:46
  Speaker 4: Well there's not a butt really, it was more just
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  Speaker 4: sort of the journey of what was happening during that
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  Speaker 4: money thing because my relationship, which I loved and adored,
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  Speaker 4: I didn't see it for quite some time how money
• 3:59
  Speaker 4: was impacting that. So I was in a relationship where
• 4:04
  Speaker 4: when I was making little to no money, everything was
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  Speaker 4: actually great. And it was when I started making my
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  Speaker 4: own money and making a lot of money that the
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  Speaker 4: problem started presenting themselves.
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  Speaker 2: Oh wow, and yeah, how did they kind of manifest?
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  Speaker 2: You know, you see this happen sadly often where it
• 4:20
  Speaker 2: actually is a power dynamic thing where you know, the
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  Speaker 2: male in the relationship goes but I'm the bread winner,
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  Speaker 2: and you know, they don't realize maybe they're doing it,
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  Speaker 2: but like they just like to be the man of
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  Speaker 2: the house, right, They make a big dollars and then
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  Speaker 2: when their wife starts bringing in a bit more, they're like, oh,
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  Speaker 2: I don't really like this. What did that look like
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  Speaker 2: for you?
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  Speaker 4: Yeah? And I will say I don't think it was
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  Speaker 4: intentional at all, Like he, to be fair, did not
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  Speaker 4: have a malicious bone in his body, which makes it
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  Speaker 4: even harder to actually see it for what it is
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  Speaker 4: when it's so casual. The first time it really presented
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  Speaker 4: itself that took me time to realize what it was
• 4:56
  Speaker 4: was he did as you advocate for all the time,
• 4:59
  Speaker 4: ask for a fine ancial arrangement, which I was happy to sign. Yeah,
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  Speaker 4: So to sign an agreement, I was very responsible, very
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  Speaker 4: above board. We never ended up going through and doing one, Yeah,
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  Speaker 4: and I never quite understood why. And I thought, oh,
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  Speaker 4: maybe he just wasn't worried about it, which was silly
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  Speaker 4: of me to think.
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  Speaker 2: Yeah, it's always the way, right, Yeah, when you're in love,
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  Speaker 2: you're like, I trust this person one thousand percent.
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  Speaker 4: Because we both got our own lawyers, because you have
• 5:24
  Speaker 4: to get your own advice, and they want to make
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  Speaker 4: sure you're not coerced into signing it, and they run
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  Speaker 4: through all the scenarios with you that could potentially make
• 5:32
  Speaker 4: it an a one boid.
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  Speaker 2: Yeah.
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  Speaker 4: What I've realized in hindsight was he presented this to
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  Speaker 4: me saying, you know, I want to get one within
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  Speaker 4: one hour of us submitting for my partner visa.
• 5:45
  Speaker 1: What.
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  Speaker 4: Yeah, So he's like, all right, obviously, you know I'm serious,
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  Speaker 4: Like we just submitted for this big visa. And then
• 5:51
  Speaker 4: he's like, now that we've done this, I want a
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  Speaker 4: financial agreement, okay, which to me I'm like, fine, I
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  Speaker 4: don't care about.
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  Speaker 2: Doing that already, maybe it makes sense, like yeah, yeah,
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  Speaker 2: all right, I can see where you're coming from with
• 6:04
  Speaker 2: just being like yeah whatever.
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  Speaker 4: Yeah, but in the eyes of the law, yeah, talking
• 6:09
  Speaker 4: about coercion, that would forever present an argument that me
• 6:15
  Speaker 4: not signing the agreement would have affected my visa and
• 6:19
  Speaker 4: my ability to stay in the country.
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  Speaker 2: Oh my gosh, it would have too. Did you think
• 6:23
  Speaker 2: about that at the time or were you just like, no, no, no, babe,
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  Speaker 2: that's fine, let's do like this financial thing because like
• 6:28
  Speaker 2: we're on a roll.
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  Speaker 4: Yeah. No, I didn't think of it at all, And
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  Speaker 4: I would have never felt coursed.
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  Speaker 2: I would never.
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  Speaker 4: Sign something I'm not comfortable with. And of course, but
• 6:36
  Speaker 4: the argument was there as a result of how that
• 6:39
  Speaker 4: played out forever.
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  Speaker 2: Right, yeah, oh my gosh.
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  Speaker 4: And it took me a long time to realize that's
• 6:45
  Speaker 4: what happened, and that's why he kind of dropped it.
• 6:47
  Speaker 4: But what happened after that was there was no point
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  Speaker 4: where he ever felt comfortable with a financial arrangement. So
• 6:55
  Speaker 4: as I started becoming more successful and I was thinking
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  Speaker 4: about buying a house and I'm thinking about to do
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  Speaker 4: these things and I'm thinking about wanting to do them
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  Speaker 4: with him, of.
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  Speaker 2: Course, because you're in a marriage and you're like, we
• 7:05
  Speaker 2: are in love, well, partnership, yeah, but like you were serious. Yeah,
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  Speaker 2: And I guess I use marriage flippantly because you know,
• 7:13
  Speaker 2: to me, it doesn't matter whether you are you or not.
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  Speaker 2: But like, clearly you moved across the world for him,
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  Speaker 2: so you weren't just like casually dating on the side.
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  Speaker 4: You know exactly. But what happened from that moment on?
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  Speaker 4: I was always a financial liability before I was a partner. Yeah, okay,
• 7:30
  Speaker 4: and that started to grow and grow as I became
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  Speaker 4: more successful. No, yeah, and it doesn't feel good.
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  Speaker 2: I can imagine. And then what happened then? Were you
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  Speaker 2: like I just can't deal with this? Was just like,
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  Speaker 2: you know, a cause of like lots of arguments in
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  Speaker 2: your relationship? Or was this like an underlying thing? How
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  Speaker 2: did it? I guess manifest day to day?
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  Speaker 4: Yeah, very underlying. So for quite some time it was good.
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  Speaker 4: I was big into you know, wanting to carry my
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  Speaker 4: own weight and keeping things fifty fifty.
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  Speaker 2: Like a queen.
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  Speaker 4: Yes. And then one thing now that I would advocate
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  Speaker 4: for anyone because when I was making less and we
• 8:08
  Speaker 4: moved into a new place. We talked about the finances.
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  Speaker 4: We agreed that he would pay three weeks of the
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  Speaker 4: rent out of every four I'd pay one week, and
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  Speaker 4: then I'd pay the utilities.
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  Speaker 2: Okay, and we.
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  Speaker 4: Thought that's probably fair. He was making at that time
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  Speaker 4: about three times as much as I was.
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  Speaker 2: Okay, so you split it based on I guess, relationship
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  Speaker 2: equity and equality like looked at it and went, oh,
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  Speaker 2: it's the fairest like outcome here. At that time, that
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  Speaker 2: was the idea. Yeah.
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  Speaker 4: What we didn't do, and I would do and tell
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  Speaker 4: anyone to do moving forward, was actually write down what
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  Speaker 4: those utilities and other expenses entailed.
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  Speaker 2: Yeah, okay, because they do add up and sometimes you
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  Speaker 2: don't notice.
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  Speaker 4: As I was thinking about how everything was playing out
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  Speaker 4: and I was still in the relationship, I wrote it
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  Speaker 4: all down, and I was paying sixty percent of our
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  Speaker 4: bills while he was making three times as much as me.
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  Speaker 2: You were like, at the time, this made sense, but
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  Speaker 2: it isn't really mass.
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  Speaker 4: Yeah. We didn't actually right down the math. We were
• 9:01
  Speaker 4: just like that sounds right.
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  Speaker 2: Yeah, and you trust each other, so like, why would
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  Speaker 2: that matter, Like we're both on the same page. Yeah, cheers.
• 9:08
  Speaker 4: Yeah. So I was kind of realizing all these things.
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  Speaker 4: And the big turning point for me one day was
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  Speaker 4: I was heading out to go to work and he
• 9:13
  Speaker 4: was getting ready, and I thought, Oh, where are you
• 9:15
  Speaker 4: off to He's like, Oh, I'm going to the bank.
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  Speaker 4: I'm like cool, what are you doing there? He's like, Oh,
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  Speaker 4: I'm putting an offer and on a house, so I've
• 9:21
  Speaker 4: got to go sign all the paperwork.
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  Speaker 2: Sorry, so what Yeah?
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  Speaker 4: And we hadn't talked about it, nothing, didn't mention he
• 9:29
  Speaker 4: was by and I knew he'd been looking a long
• 9:30
  Speaker 4: time on risk.
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  Speaker 2: How long have you been together at that point?
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  Speaker 4: Built four and a half years?
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  Speaker 2: Absolutely not, so what the heck?
• 9:38
  Speaker 4: Yeah, this was a turning point this day.
• 9:40
  Speaker 2: Oh my god, And like, come on, tell us what
• 9:43
  Speaker 2: happened In that moment.
• 9:45
  Speaker 4: I went silent because I was like, I need to
• 9:47
  Speaker 4: process this.
• 9:48
  Speaker 2: Surely it's a joke, Like surely.
• 9:51
  Speaker 4: And I knew he'd been looking for rentals, but yeah,
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  Speaker 4: it's one thing to be looking for a year casually
• 9:56
  Speaker 4: on your phone.
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  Speaker 2: I look on real estate, dot com, dot you all
• 9:59
  Speaker 2: the time. It's like a like, I don't think my
• 10:01
  Speaker 2: husband would look at me and be like oh, I'm
• 10:03
  Speaker 2: just trying to buy a house without my consent, Like
• 10:05
  Speaker 2: I'm just pervy, you know, Like that's not a weird habit.
• 10:08
  Speaker 4: Well what happened was he laughed and I laughed, and
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  Speaker 4: I'm stealing on it and I'm calling my friends and I'm.
• 10:13
  Speaker 2: Like, can you just like fact check me? Like I'm
• 10:15
  Speaker 2: not like unhinged for being mad about this, right, Like
• 10:18
  Speaker 2: you're just checking in to make sure that's normal.
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  Speaker 4: Right exactly. I'm like, is this normal? Should I be
• 10:23
  Speaker 4: mad about this? And everyone was like, yes, you should be.
• 10:26
  Speaker 4: I would not be okay, And I'm like, okay, this
• 10:28
  Speaker 4: is valid to be mad.
• 10:30
  Speaker 2: I like that. As women, we often seek validation for
• 10:33
  Speaker 2: our own feelings, even though your feelings are so valid
• 10:37
  Speaker 2: and you feel what you feel and you don't need that.
• 10:40
  Speaker 2: But I'm the same, Like, if I'm grumpy about something,
• 10:42
  Speaker 2: first thing I do, I'm like, call friend. I'm like, hey,
• 10:44
  Speaker 2: so like this is going on and these are my thoughts.
• 10:47
  Speaker 2: Let's be honest. Half the time, your friends are absolutely
• 10:49
  Speaker 2: gonna go money diarist. We love you. Yeah, you're right
• 10:52
  Speaker 2: even if you're wrong, So like we just need the validation.
• 10:55
  Speaker 4: Though hey, yeah I definitely did the calling around. I'm like,
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  Speaker 4: what is this?
• 11:00
  Speaker 2: Is this unhinged or what? And then what happened?
• 11:02
  Speaker 4: To be honest, I stressed myself out so much that day,
• 11:05
  Speaker 4: like a ball of rage. I ended up in the
• 11:07
  Speaker 4: hospital and had to get my gallbladder out that night.
• 11:10
  Speaker 2: Well, no you didn't.
• 11:11
  Speaker 4: Yeah, the rage like manifested so strongly. Ooh no. So
• 11:17
  Speaker 4: I was in the hospital for a few days and
• 11:19
  Speaker 4: then recovering for a few weeks. So I didn't bring
• 11:20
  Speaker 4: it up because I'm like, this is not a conversation.
• 11:23
  Speaker 4: And then a few weeks later, I said, so, what
• 11:25
  Speaker 4: happens that day? And he's like, oh, someone else put
• 11:28
  Speaker 4: in a better offer.
• 11:29
  Speaker 2: But he hadn't even mentioned it until a couple of
• 11:31
  Speaker 2: weeks later, and you were like, Hey, what happened to that?
• 11:34
  Speaker 2: Did you buy a house that day? Because like you
• 11:36
  Speaker 2: didn't come home and give any outcome? Yeah, what the heck?
• 11:40
  Speaker 4: And I said, oh, well that's probably good because I
• 11:42
  Speaker 4: don't think we would have been able to stay in
• 11:45
  Speaker 4: this relationship if it did. He was just blindsided.
• 11:49
  Speaker 2: He's like, what how would you be blindsided by that? Sir?
• 11:52
  Speaker 4: What do you mean? Like, because he viewed and this
• 11:55
  Speaker 4: is something I'm hoping he's worked on conversations as asking
• 11:59
  Speaker 4: for permission. What it's a very unhealthy mindset.
• 12:04
  Speaker 2: You reckon?
• 12:05
  Speaker 4: Yeah, like to talk to me about it would have
• 12:07
  Speaker 4: felt to him like he had to have my permission
• 12:10
  Speaker 4: to do it.
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  Speaker 2: So instead, what I'll do is I'll just be really
• 12:13
  Speaker 2: secretive and hid this really big financial decision from you
• 12:16
  Speaker 2: and then just let you know that your opinion didn't
• 12:19
  Speaker 2: mean anything to me.
• 12:21
  Speaker 4: Yeah. Oh I could cry hearing that, but it's true.
• 12:25
  Speaker 2: That's really nice of him to see it that way.
• 12:27
  Speaker 2: Were you okay? Like what happened? So obviously that's a
• 12:30
  Speaker 2: big conversation and he didn't see it coming.
• 12:34
  Speaker 4: What happened after that because he was still looking for rental,
• 12:37
  Speaker 4: I will say he did start trying to pull me
• 12:39
  Speaker 4: in a little bit more because he was getting more
• 12:41
  Speaker 4: serious about buying an investment property. Nice to him, so
• 12:45
  Speaker 4: he started asking me and I was like, oh, this
• 12:47
  Speaker 4: is really good, Like he kind of got it. But
• 12:50
  Speaker 4: then then there were just all these moments and I
• 12:53
  Speaker 4: call them little moments, but I feel like my therapist
• 12:55
  Speaker 4: would kill me. They weren't little moments.
• 12:57
  Speaker 2: We say little moments because along the way you don't notice.
• 12:59
  Speaker 2: But in hindsight, you look back and you go, well,
• 13:01
  Speaker 2: the little things are actually the big things.
• 13:04
  Speaker 4: Yeah, Like I hit some like a financial milestone. I
• 13:07
  Speaker 4: made my first when I realized I was going to
• 13:09
  Speaker 4: make a hundred thousand in one year, queen. Yeah, I
• 13:13
  Speaker 4: was like so happy. And I told him and he
• 13:17
  Speaker 4: was just like, but you're not really making that, Like
• 13:19
  Speaker 4: you have to pay tax on that, you have expenses,
• 13:21
  Speaker 4: Like you're not actually making anywhere near that.
• 13:24
  Speaker 2: Get in the bea. It doesn't matter, like I am
• 13:26
  Speaker 2: hitting a milestone in my business. No, absolutely, you deserve
• 13:31
  Speaker 2: a cheerleater. You don't deserve some dude who questions everything
• 13:34
  Speaker 2: about your being. Absolutely not.
• 13:36
  Speaker 4: And that's when I started turning to my friends, and
• 13:38
  Speaker 4: my friends were like, that's amazing, Da da.
• 13:41
  Speaker 2: Da, that's the energy we're looking for.
• 13:43
  Speaker 4: So I stopped telling them about my milestones after that
• 13:47
  Speaker 4: because I didn't want to be brought down a peg,
• 13:49
  Speaker 4: which is never a good sign.
• 13:51
  Speaker 2: No, that's a really bad sign. But yes, I completely
• 13:53
  Speaker 2: understand why you might have done that.
• 13:55
  Speaker 4: Yeah. And then I think the final nail in the coffin,
• 13:58
  Speaker 4: which for me me was such a big moment, for him,
• 14:02
  Speaker 4: it was probably so insignificant he doesn't even remember saying it.
• 14:05
  Speaker 2: Yeah, it's always the way, isn't it.
• 14:07
  Speaker 4: Yeah, we were both off work. It was during the week.
• 14:11
  Speaker 4: He'd been on the computer all day. I was doing
• 14:13
  Speaker 4: other things, and like in the evening I went over
• 14:15
  Speaker 4: and I was like, hey, like, do you want to
• 14:16
  Speaker 4: do something You've been on the computer all day, Like
• 14:18
  Speaker 4: I'd like to do something cute. And he looked at
• 14:21
  Speaker 4: me and he said, I've made more money sitting here
• 14:24
  Speaker 4: today than you make in a month.
• 14:25
  Speaker 2: Sorry, that's not even related, sir, When it's not related
• 14:28
  Speaker 2: to what are you trying to get out of saying
• 14:30
  Speaker 2: this to me? Like, sometimes I think you just have
• 14:32
  Speaker 2: to ask someone like did you mean to be disrespectful?
• 14:35
  Speaker 2: You were trying to be like constructive, Like could you
• 14:37
  Speaker 2: just let me know where this conversation was going, because
• 14:39
  Speaker 2: like I'm not getting it.
• 14:41
  Speaker 4: If I ever encountered a moment like that again, like
• 14:43
  Speaker 4: how I respond would be very different. But in that moment,
• 14:46
  Speaker 4: I just like looked at him and smiled and walked away.
• 14:50
  Speaker 4: But like as I walked away, my knees felt like
• 14:52
  Speaker 4: they were going to collapse. It was like I died
• 14:55
  Speaker 4: on the inside.
• 14:56
  Speaker 2: You do not need someone in your life. Who drags
• 14:58
  Speaker 2: you down like that? That's actually discuss and I'm so
• 15:00
  Speaker 2: sorry you had to go through that.
• 15:02
  Speaker 4: Yeah, because he told me. Also, he was like, I
• 15:04
  Speaker 4: would never buy a house with you unless xyz, like
• 15:08
  Speaker 4: I meet certain conditions.
• 15:10
  Speaker 2: Oh the criteria. Yeah, okay, no worries.
• 15:12
  Speaker 4: There's a way to have that conversation. And starting it
• 15:14
  Speaker 4: off with I would never unless it's not the way
• 15:18
  Speaker 4: to have it.
• 15:19
  Speaker 2: Absolutely not, because we're either a team or we're not.
• 15:22
  Speaker 2: Are we not meant to be a team? And my
• 15:24
  Speaker 2: success is your success and like, you know, if I'm
• 15:27
  Speaker 2: not doing well, your job is to, like, you know,
• 15:29
  Speaker 2: pump me up and vice versa. Like life is a journey.
• 15:32
  Speaker 2: It's not just about like doing one thing. But like
• 15:34
  Speaker 2: if we're on a team, we're on a team. We've
• 15:36
  Speaker 2: been here for four and a half years now, Like
• 15:38
  Speaker 2: this is pretty serious. Not oh you have to meet
• 15:40
  Speaker 2: my criteria. Who did you borrow that confidence from? Because
• 15:43
  Speaker 2: it shows hell not yours.
• 15:45
  Speaker 4: Yeah. And after that moment, because I felt so worthless
• 15:49
  Speaker 4: by this point, oh no, Like even though I was
• 15:51
  Speaker 4: making good money, I felt like I was so worthless.
• 15:57
  Speaker 4: So I went to a mortgage broker and was like yeah,
• 16:00
  Speaker 4: how much could I get on my own? Like if
• 16:01
  Speaker 4: we're both going to buy our own houses and do
• 16:03
  Speaker 4: this on our own, And they gave me the dollar
• 16:05
  Speaker 4: amount and I was like, hold on, and that was
• 16:09
  Speaker 4: such like a good moment where I'm like, why do
• 16:11
  Speaker 4: I feel so worthless when I can do so much
• 16:14
  Speaker 4: on my own? Like I don't even need him to
• 16:16
  Speaker 4: buy a house?
• 16:17
  Speaker 2: Yeah exactly.
• 16:18
  Speaker 4: And that was the turning point where I think after
• 16:20
  Speaker 4: I started exploring, that was when I started being ready
• 16:22
  Speaker 4: to leave.
• 16:23
  Speaker 2: Yeah good? And then what did that look like? So
• 16:26
  Speaker 2: confidence back? You're like, actually, I really don't need you, sir,
• 16:29
  Speaker 2: and your audacity is starting to become the centerpoint of
• 16:32
  Speaker 2: our relationship and I'm not here for that. When did
• 16:35
  Speaker 2: you just be like, O, hey, sir, you can buy
• 16:38
  Speaker 2: your house with yourself for yourself, cause you're going to
• 16:41
  Speaker 2: need to relocate.
• 16:42
  Speaker 4: I think it took only a couple months from then.
• 16:44
  Speaker 4: I think it was pretty quickly from that conversation with
• 16:47
  Speaker 4: a mortgage broker to saying, if I'm gonna do all
• 16:50
  Speaker 4: these things on my own anyways, I'm going to be
• 16:52
  Speaker 4: on my own.
• 16:52
  Speaker 2: Yeah good.
• 16:53
  Speaker 4: And it only took a few months. And when I
• 16:55
  Speaker 4: said the words. The exact words were, I think it's
• 16:58
  Speaker 4: time for us to accept that we're not partners.
• 17:00
  Speaker 2: And how did that go? Was that toxic? Is that
• 17:03
  Speaker 2: an easy? Like change?
• 17:06
  Speaker 4: It was devastating, Like we were both sobbing, like it
• 17:09
  Speaker 4: was horrible. Yeah, but I'd made my decision at that point.
• 17:12
  Speaker 2: I'm proud of you. And then tell me about after
• 17:15
  Speaker 2: Obviously that was a while ago. How long ago was that?
• 17:18
  Speaker 2: And what are you doing now?
• 17:20
  Speaker 4: Yeah? So that was May twenty twenty two, and I
• 17:24
  Speaker 4: don't know what's happened since then, but like, there's so
• 17:27
  Speaker 4: much to say for your energy. I've gone through the
• 17:29
  Speaker 4: roof since then. I'm beyond my own capacity business wise.
• 17:33
  Speaker 2: Yes, going how good is that?
• 17:35
  Speaker 4: It's actually really good? Like I'm so proud of myself.
• 17:38
  Speaker 4: And I will say it was a couple months after
• 17:40
  Speaker 4: we broke up. I had my first twenty thousand dollars
• 17:43
  Speaker 4: in one month.
• 17:44
  Speaker 2: No, you didn't, how good?
• 17:46
  Speaker 4: Yeah, but the very first thing I did was break
• 17:49
  Speaker 4: down and sob. I was so sad because my first
• 17:53
  Speaker 4: thought was, oh, I could still cry saying this was
• 17:55
  Speaker 4: that wouldn't have been good enough for him? Like that
• 17:58
  Speaker 4: was my very first thought.
• 17:59
  Speaker 2: Rather than celebrate no, we're celebrating that. I'm so sorry
• 18:02
  Speaker 2: that that was your SPADs, But like we're not there
• 18:05
  Speaker 2: now are we? Like now when you have epic milestones,
• 18:07
  Speaker 2: how are we celebrating them?
• 18:09
  Speaker 4: Oh it's good now, Like I had my first thirty
• 18:11
  Speaker 4: thousand dollars a month and that was when my brain went, oh,
• 18:15
  Speaker 4: there was no amount that would have been good enough,
• 18:17
  Speaker 4: Like this is such a win for me.
• 18:19
  Speaker 2: Yeah, one hundred percent. And we need to shift that
• 18:21
  Speaker 2: mindset now.
• 18:22
  Speaker 4: When I hit milestones, I just like do a little
• 18:24
  Speaker 4: shimmy and I celebrate and I'm happy.
• 18:25
  Speaker 2: Yeah, one hundred percent. Oh my gosh. All right, so
• 18:28
  Speaker 2: you've mentioned obviously some pretty big sums, which is very,
• 18:32
  Speaker 2: very impressive. We need to know now, like you can't
• 18:35
  Speaker 2: just hold that back. What do you do for work?
• 18:37
  Speaker 2: How much money do you actually earn? My friend?
• 18:39
  Speaker 4: Well, not every month is like that. I run my
• 18:41
  Speaker 4: own event management business, running primarily corporate events all around Australia,
• 18:47
  Speaker 4: going international. This year, last financial year, I made two
• 18:52
  Speaker 4: hundred and eight thousand dollars.
• 18:53
  Speaker 2: Oh my gosh, what No, you didn't what a queen. Yeah,
• 18:59
  Speaker 2: I'm so proud of you. Thank you, And you're about
• 19:02
  Speaker 2: to take over the world because you're saying that your
• 19:05
  Speaker 2: capacity is at its peak. So tell me what's the
• 19:08
  Speaker 2: plan for business.
• 19:10
  Speaker 4: Well, I'm at this weird spot in business where like,
• 19:13
  Speaker 4: to grow, I have to spend.
• 19:14
  Speaker 2: Yeah, I don't like that part. I got there and
• 19:16
  Speaker 2: it makes you feel sick. You're like, but I don't
• 19:19
  Speaker 2: want you spend. I just worked really hard for this cash.
• 19:23
  Speaker 4: Yeah, I'm in a bit of a holding pattern right now,
• 19:25
  Speaker 4: just because I am building a house.
• 19:27
  Speaker 2: Oh of course you are. She's earning megabucks. You don't
• 19:30
  Speaker 2: need no, man, No, I do not.
• 19:32
  Speaker 4: I don't think any of us do.
• 19:33
  Speaker 2: To be honest, we really don't. And you know what,
• 19:36
  Speaker 2: another human doesn't make us a whole, Like we just
• 19:38
  Speaker 2: want another human so that we can share our joy
• 19:41
  Speaker 2: and our journey. And I think that that's the way
• 19:43
  Speaker 2: it needs to be seen. How good is this that
• 19:45
  Speaker 2: you're now in that position though? It's like going to
• 19:48
  Speaker 2: be all on your term, so so exciting.
• 19:51
  Speaker 4: And it's crazy, like I was holding myself back waiting
• 19:53
  Speaker 4: for someone to want to do it with me when
• 19:55
  Speaker 4: I just could have done it.
• 19:57
  Speaker 2: Just get it done. It's fine, But.
• 19:58
  Speaker 4: It's all happening now, which fantastic.
• 20:00
  Speaker 2: If men can do it. Why can't wait do it?
• 20:02
  Speaker 2: It can't be that hard if they're able to, right.
• 20:05
  Speaker 4: Yes, for real.
• 20:07
  Speaker 2: So you've got your own business, You're absolutely killing it.
• 20:09
  Speaker 2: I'm obsessed. What are your big money goals? Like, what
• 20:11
  Speaker 2: are you currently working towards? You mentioned you're building a house.
• 20:15
  Speaker 4: Yeah, so, as I mentioned, I bought a house and
• 20:18
  Speaker 4: land package with the organization you've had on here.
• 20:21
  Speaker 2: Oh really, yes? How good? So I'm a like really
• 20:26
  Speaker 2: good influencer. Oh I love this.
• 20:29
  Speaker 4: I did buy it November twenty twenty two.
• 20:32
  Speaker 2: Yeah, okay, but we can pretend I had something to
• 20:34
  Speaker 2: do with it.
• 20:35
  Speaker 4: You reaffirmed it was the correct decision.
• 20:37
  Speaker 2: They weren't a client yet, but now they are.
• 20:40
  Speaker 4: That will title in June. There's a big part of
• 20:43
  Speaker 4: money just sitting in my bank waiting to go out.
• 20:46
  Speaker 4: And then, because I've been in Australia for six years
• 20:48
  Speaker 4: now going on seven, really trying to grow my superin investments.
• 20:53
  Speaker 2: Yeah that's exciting because everyone likes.
• 20:55
  Speaker 4: To tell me, oh, you're super is low for your age,
• 20:57
  Speaker 4: and I'm like, well, I also never heard of super
• 20:59
  Speaker 4: until Yeah.
• 21:00
  Speaker 2: Like I'm literally behind because I didn't live in this country.
• 21:04
  Speaker 2: Sit down, Yeah, who's telling you you're behind as well.
• 21:07
  Speaker 2: Let's just ditch them, let's get them out, because that's
• 21:10
  Speaker 2: not the energy we're bringing to the table.
• 21:13
  Speaker 4: I know it was a pre meeting with a financial investor.
• 21:17
  Speaker 2: Nah bread flag, red flag see you. Yeah, Oh my god,
• 21:22
  Speaker 2: that makes me so angry. Please tell me you didn't
• 21:25
  Speaker 2: get matched with them through the shees on the money community.
• 21:28
  Speaker 4: I did not.
• 21:28
  Speaker 2: Okay, good because I was about to be like, I'm
• 21:30
  Speaker 2: gonna have some chats.
• 21:32
  Speaker 4: No, no, no, I didn't.
• 21:33
  Speaker 2: Yeah, well, I can match you with a good financial
• 21:36
  Speaker 2: advisor if you would like one that isn't condescending and rude,
• 21:39
  Speaker 2: so we can talk about that after. But you've been
• 21:43
  Speaker 2: here for six years? Do we get to keep you?
• 21:45
  Speaker 1: Like?
• 21:45
  Speaker 2: Are you going to be staying in Australia? Like are
• 21:47
  Speaker 2: you going to leave? I like your energy, Like we're
• 21:50
  Speaker 2: lucky to have you, so if you could stay, be great.
• 21:52
  Speaker 4: Ah, I'm staying. The house has been built, my citizenship's
• 21:56
  Speaker 4: coming through anytime now. I'm definitely staying.
• 21:59
  Speaker 2: How cool. All right, let's go to a really quick
• 22:01
  Speaker 2: break on the flip side. We're going to talk about
• 22:02
  Speaker 2: those investments. We're going to talk about debt and we're
• 22:05
  Speaker 2: going to talk about good and bad money habits because
• 22:07
  Speaker 2: I feel like we've just got so much to learn
• 22:09
  Speaker 2: from you. So guys, don't go anywhere. All right, money Diarist,
• 22:16
  Speaker 2: we are back. You mentioned before that you had won't
• 22:20
  Speaker 2: call it a run in, but like, if I was
• 22:21
  Speaker 2: in the room, it would definitely have been a run
• 22:23
  Speaker 2: in with a financial advisor who told you were behind.
• 22:26
  Speaker 2: So tell me about investments, like, what's the plan? Do
• 22:28
  Speaker 2: you have any? If not, what are they going to be?
• 22:31
  Speaker 2: What's the plan? What are your thoughts around this?
• 22:33
  Speaker 4: Yeah? So right now I do have about nineteen thousand
• 22:36
  Speaker 4: in my super.
• 22:37
  Speaker 2: Sorry, and they said, oh, you're so behind, Sit down, yeah,
• 22:42
  Speaker 2: because it's also all self nominated. So you're running your
• 22:45
  Speaker 2: own business and you're paying yourself super. Do you know
• 22:46
  Speaker 2: how many small business owners have been in business for
• 22:48
  Speaker 2: ten twenty years and they're still not doing that? Like ah, queen.
• 22:52
  Speaker 4: Behavior, Every single invoice that comes in from a client,
• 22:56
  Speaker 4: a percentage of it goes into my super.
• 22:59
  Speaker 2: You're a queen. What other investments have you got or
• 23:02
  Speaker 2: are you planning to make? Obviously you've got your business,
• 23:04
  Speaker 2: so I would assume that most of your focus is
• 23:06
  Speaker 2: there because that's how it works for me. What does
• 23:09
  Speaker 2: that look like?
• 23:10
  Speaker 4: Well, I do have about twenty grand in the stock market,
• 23:13
  Speaker 4: depending on the day when I log in and track,
• 23:16
  Speaker 4: which is painful sometimes.
• 23:18
  Speaker 2: And what does that look like?
• 23:20
  Speaker 4: Yeah? So about five grand of that and you can
• 23:23
  Speaker 4: credit yourself for this is in my SHARE's Ease.
• 23:25
  Speaker 2: Account, is it? Actually? That's very cool?
• 23:28
  Speaker 4: Yeah, because the same thing every single pay I get
• 23:31
  Speaker 4: from a client that hits my bank, I automatically transfer.
• 23:34
  Speaker 4: I have the five hundred dollars a month plan. Yeah, yeah,
• 23:37
  Speaker 4: and I just max that out every month, putting that in.
• 23:40
  Speaker 2: Oh my gosh, obsessed.
• 23:42
  Speaker 4: Yeah. And I used to try to like find a
• 23:44
  Speaker 4: really good stock that looked like an up and comer,
• 23:46
  Speaker 4: and then after listening to you, I just started being like, no,
• 23:49
  Speaker 4: by responsible long term investments.
• 23:52
  Speaker 2: We can be spicy with our Mugga raiders, I reckon.
• 23:55
  Speaker 2: I think we just need to keep the investments boring
• 23:57
  Speaker 2: because then we can afford more Mugga raders and like
• 24:00
  Speaker 2: that's the life we all deserve, right, Yeah?
• 24:03
  Speaker 4: Absolutely?
• 24:04
  Speaker 2: What about the other fifteen grand? What's that in? And
• 24:07
  Speaker 2: how did you do it?
• 24:08
  Speaker 4: So that's in my CMC Market's account. I went through
• 24:11
  Speaker 4: this like massive phase of like lithium and the future minerals. Yep,
• 24:17
  Speaker 4: so that at fifteen grand actually would be way higher.
• 24:20
  Speaker 4: There's been a dip in that market.
• 24:22
  Speaker 2: Yeah, there has.
• 24:23
  Speaker 4: What's same thing. I think it's a long term investment
• 24:25
  Speaker 4: that will be going in the end.
• 24:27
  Speaker 2: How good And what got you into investing? Like, obviously
• 24:31
  Speaker 2: you haven't been here for that long and both of
• 24:34
  Speaker 2: these companies are Australian based platforms, So you've done this
• 24:38
  Speaker 2: in the last six years, which is epic, but like,
• 24:41
  Speaker 2: how did you start investing? Yeah?
• 24:44
  Speaker 4: Absolute pettiness was the real answer to that.
• 24:47
  Speaker 2: Yeah. Good, That's what drives a lot of my decisions
• 24:49
  Speaker 2: as well, if we're being brutally honest.
• 24:51
  Speaker 4: Because my ex invested a lot and he would kind
• 24:54
  Speaker 4: of tell me some things, but as you may have gathered,
• 24:57
  Speaker 4: he wouldn't never say like, oh I'm getting this much
• 25:01
  Speaker 4: in this like you wouldn't have a conversation with me
• 25:03
  Speaker 4: about it. So when we broke up, I was like, well,
• 25:08
  Speaker 4: the only choice I have in life right now is
• 25:10
  Speaker 4: to start beating him at the investment game. It's a
• 25:12
  Speaker 4: competition with myself really, but you know, I love it.
• 25:15
  Speaker 2: Like a lot of people would be like I'm going
• 25:16
  Speaker 2: to get a better car than him and drive it
• 25:18
  Speaker 2: in front of his house, but that's obviously a depreciating asset,
• 25:21
  Speaker 2: and you're like, low, ki, I'm just gonna get rich
• 25:23
  Speaker 2: af Like I'm just going to show him that, like
• 25:26
  Speaker 2: he might have earned more than you at some point,
• 25:28
  Speaker 2: but also I own my own business.
• 25:30
  Speaker 4: Sit down, I know he's not right now.
• 25:32
  Speaker 2: Cool for him.
• 25:32
  Speaker 4: I like that, which I try not to be petty.
• 25:35
  Speaker 2: Oh no, no, no, sometimes we need to be a
• 25:37
  Speaker 2: little bit petty, Like we don't have to be petty
• 25:38
  Speaker 2: the whole time, but sometimes we can be, like I'm
• 25:40
  Speaker 2: actually in a better place, thank you.
• 25:42
  Speaker 4: Yeah, no, I feel bad saying that, but.
• 25:45
  Speaker 2: Like you're the anonymous one, Like I've just said that
• 25:48
  Speaker 2: publicly in front of my entire community, that I am
• 25:51
  Speaker 2: not only petty, but I love it. It's like how
• 25:53
  Speaker 2: I love gossip, Like I don't want to be involved,
• 25:56
  Speaker 2: but like I would love to be a fly on
• 25:58
  Speaker 2: the wall in some conversations, Like I will be brutally
• 26:01
  Speaker 2: honest about that. Judge me if you want, but let's
• 26:04
  Speaker 2: be honest. We're all here because we're all a little
• 26:05
  Speaker 2: bit pervy. This is money diaries, after all.
• 26:08
  Speaker 4: I'm going to take that energy, like, let's.
• 26:11
  Speaker 2: Just go with it. Like I am who I am?
• 26:13
  Speaker 2: I can't change that. Talk to me about debt. Do
• 26:15
  Speaker 2: you have any debt? What are your thoughts on debt?
• 26:17
  Speaker 4: Yeah? So I have no debt, which I think is
• 26:20
  Speaker 4: a really good position to be in. I will as
• 26:22
  Speaker 4: soon as, obviously the mortgage comes yep. But at this moment,
• 26:26
  Speaker 4: I have no debt.
• 26:27
  Speaker 2: And what will your mortgage look like?
• 26:29
  Speaker 4: Yeah? So I got really lucky getting in so early.
• 26:32
  Speaker 4: So I bought it November twenty twenty two for six
• 26:36
  Speaker 4: seventy so four bedroom house, three mathrooms, six hundred and
• 26:41
  Speaker 4: seventy k just outside of Melbourne.
• 26:43
  Speaker 2: Yeah, that's very nice.
• 26:45
  Speaker 4: Yeah, and that's the advantage of buying so early.
• 26:48
  Speaker 2: Yeah.
• 26:49
  Speaker 4: But I've got twenty percent down. So my mortgage I
• 26:51
  Speaker 4: think it's about the five thirty four marc.
• 26:54
  Speaker 2: And you've already paid the whole twenty percent deposit.
• 26:57
  Speaker 4: No, So when you initially do it, there's a certain
• 27:00
  Speaker 4: percentage you have to put down, and then when the
• 27:02
  Speaker 4: land titles, you put the balance of the deposit down.
• 27:05
  Speaker 2: So you've just got that sitting in cash waiting in.
• 27:08
  Speaker 4: Like a high interestceidings account.
• 27:09
  Speaker 2: Yeah, yeah, and that's what you're talking about before. And
• 27:12
  Speaker 2: then once that goes down, then you've obviously got your
• 27:15
  Speaker 2: mortgage broker lined up to get your loan in stated
• 27:19
  Speaker 2: and you reckon that'll be about five hundred and thirty
• 27:21
  Speaker 2: four thousand dollars. Yeah, and then I need to know,
• 27:25
  Speaker 2: obviously brought in November twenty twenty two, is that property
• 27:28
  Speaker 2: like if you look in the same areas, is that
• 27:30
  Speaker 2: property now worth six seventy years? It a little bit
• 27:33
  Speaker 2: more than that, because like I have a sneaky suspicion.
• 27:36
  Speaker 4: If someone got that lot beside me, exact same house,
• 27:40
  Speaker 4: same lot size, everything, it would be about seven sixty
• 27:43
  Speaker 4: Right now.
• 27:43
  Speaker 2: Money, we look at this queen, she's like got her
• 27:45
  Speaker 2: own business killing it. But also you've got like this
• 27:48
  Speaker 2: investment that hasn't even like vested yet. How exciting.
• 27:52
  Speaker 4: I know, I am excited.
• 27:54
  Speaker 2: I'm excited for you. And you said it was just
• 27:57
  Speaker 2: out of Melbourne. Are you moving straight into this? Is
• 28:00
  Speaker 2: this an investment property?
• 28:02
  Speaker 1: Like?
• 28:02
  Speaker 2: What does this look like?
• 28:03
  Speaker 4: So the plan right now, because of what I've been
• 28:05
  Speaker 4: doing to save the money, will be to move into
• 28:08
  Speaker 4: it just to have a bit of stability and enjoy it.
• 28:12
  Speaker 4: And be proud of it.
• 28:13
  Speaker 2: Yeah, and a five point thirty four thousand dollars mortgage
• 28:17
  Speaker 2: is very reasonable in Melbourne. I know interest rates are
• 28:20
  Speaker 2: quite high at the moment, but that is still very palatable.
• 28:23
  Speaker 2: It's still very you know, reasonable, especially in this current
• 28:26
  Speaker 2: market where the average property price in Melbourne is more
• 28:28
  Speaker 2: than a million dollars. Now, like you're killing it. Yeah,
• 28:32
  Speaker 2: I'm obsessed with that. So tell me what are your
• 28:36
  Speaker 2: best money habits do you think? Because I feel like
• 28:39
  Speaker 2: you've probably always had some pretty good money habits, especially
• 28:42
  Speaker 2: because you were like, oh I didn't you know, used
• 28:44
  Speaker 2: to earn heaps and heaps of money. But I also
• 28:47
  Speaker 2: think that there's a lot of confidence that you have
• 28:49
  Speaker 2: now that you didn't have before and they might play
• 28:51
  Speaker 2: into your money habits.
• 28:52
  Speaker 4: So tell us teach us for sure. So my best
• 28:57
  Speaker 4: money habit, I would say, is how actually resourceful I
• 28:59
  Speaker 4: am with money now. So the way I've structured it
• 29:03
  Speaker 4: because I wanted to buy a house really quickly after
• 29:05
  Speaker 4: the breakoup spite driven. I like it like I don't
• 29:08
  Speaker 4: have family here, like no support with the house process.
• 29:12
  Speaker 4: So I decided to house it full time. Oh cool,
• 29:17
  Speaker 4: So I house it for people who are overseas in
• 29:18
  Speaker 4: Europe for a few months, so I don't have rent,
• 29:21
  Speaker 4: I don't have utilities, like I found ways to get
• 29:25
  Speaker 4: spat treatments at no cost, my hair done at no costs, like,
• 29:28
  Speaker 4: I almost eliminated every cost in my life.
• 29:31
  Speaker 2: Obviously, no one knows who you are and they can't
• 29:33
  Speaker 2: say you, but I can. Your beautiful blonde hair you
• 29:36
  Speaker 2: get done for free. Yeah no, you don't. That does
• 29:40
  Speaker 2: not look free, babe. I'm really sorry.
• 29:44
  Speaker 4: I am particular about who I go to.
• 29:46
  Speaker 2: Of course it's obvious.
• 29:48
  Speaker 4: Yeah no, I found a way to cut out almost
• 29:50
  Speaker 4: every cost in life to be able to make the
• 29:52
  Speaker 4: house happen fast.
• 29:53
  Speaker 2: Okay, you can't say that and not tell us how
• 29:55
  Speaker 2: like you can't be like, yep, I found a hack
• 29:57
  Speaker 2: to cutting out every cost in life.
• 30:00
  Speaker 4: Yep.
• 30:00
  Speaker 2: So moving on, Like, how where are you finding these?
• 30:03
  Speaker 4: It's like what the house sitting thing to save Ryan
• 30:06
  Speaker 4: was trusted house sitters. So I do move every few months,
• 30:11
  Speaker 4: which has a toll in itself. It's a little bit
• 30:13
  Speaker 4: of a lack of stability for long term goal. I'm
• 30:16
  Speaker 4: in tons of like model groups, So hairdressers you want
• 30:20
  Speaker 4: to do upgrades or treatments or I'm a model for
• 30:23
  Speaker 4: a big skin company, so I get all my like
• 30:26
  Speaker 4: skin treatments and needlin and I got a peel a
• 30:28
  Speaker 4: few days.
• 30:29
  Speaker 2: Oh, very nice, big skin companies a fancy too.
• 30:33
  Speaker 4: You want to give up my lifestyle, gol you have it? Yeah, yeah,
• 30:38
  Speaker 4: And I go to the massage school for massages for
• 30:40
  Speaker 4: like ten dollars for an hour. Like so I just
• 30:42
  Speaker 4: found a way of all the things I love. How
• 30:44
  Speaker 4: can I still do those things without spending a fortune.
• 30:47
  Speaker 2: Tendalls an hour for a massage? Did you know? I
• 30:49
  Speaker 2: didn't even know that was a thing. I'm going to
• 30:51
  Speaker 2: need it. Oh, I didn't even know that existed, Like
• 30:54
  Speaker 2: you joking. I don't care who's doing it, as long
• 30:56
  Speaker 2: as you're rubbing my back and telling me that I'm
• 30:58
  Speaker 2: a nice lady. I mean, yeah, like ten our ten experience.
• 31:03
  Speaker 4: Even my AUTI wrinkle, Like I pay one fifty for
• 31:06
  Speaker 4: crows feet forehead brown.
• 31:08
  Speaker 2: No, you don't, yeah, excuse me, Like I've been public
• 31:13
  Speaker 2: about this, Like I get botox at the moment I'm pregnant,
• 31:16
  Speaker 2: so I definitely haven't had botox in like the last
• 31:19
  Speaker 2: eighteen months. But when I do it, that's like a
• 31:21
  Speaker 2: four hundred and fifty dollar cost and now you're just
• 31:25
  Speaker 2: getting it for one fifty because you're just like, by
• 31:27
  Speaker 2: the way, Victoria, you're an idiot, I've hacked the system.
• 31:32
  Speaker 2: All right, Well, we have a lot to talk about
• 31:33
  Speaker 2: offline because I'm going to need some information on that,
• 31:35
  Speaker 2: Like we're going to need all of this. Is this
• 31:38
  Speaker 2: something that you've always been good at hustling up or
• 31:40
  Speaker 2: were you like no, no, no, like this is recent.
• 31:43
  Speaker 4: I think I was always really good at hustling his
• 31:45
  Speaker 4: for the longest time. Travel was a priority for me.
• 31:48
  Speaker 4: So very different ways, but same resourcefulness. Like I was
• 31:52
  Speaker 4: using house sitting, I was using couch surphine, I was
• 31:55
  Speaker 4: using like I was finding ways to travel and pain
• 31:58
  Speaker 4: almost next to nothing to travel. Same skill, but different priorities.
• 32:02
  Speaker 2: Yeah, so smart. Does this woman have any bad money habits?
• 32:07
  Speaker 4: Well, if you asked me to go to Croatia tomorrow,
• 32:11
  Speaker 4: I'd be like, well, I do not have any events
• 32:13
  Speaker 4: next week, so I could do that.
• 32:15
  Speaker 2: She's spontaneous. We like that. This could be a really
• 32:18
  Speaker 2: good dating profile. By the way, like you're selling me,
• 32:21
  Speaker 2: I'm like, yep, she's a catch ten out of ten.
• 32:23
  Speaker 2: So you're spontaneous, Like that's not a bad money habit.
• 32:27
  Speaker 2: But like, is that because you get fomo or is
• 32:30
  Speaker 2: that because you really valued travel? Like what would that
• 32:34
  Speaker 2: decision making process be like in your head?
• 32:36
  Speaker 4: I really value travel, I would say, because it's just
• 32:40
  Speaker 4: such a good reminder of like how resilient you are
• 32:42
  Speaker 4: and how you can navigate your way through foreign countries,
• 32:45
  Speaker 4: and like you really remember the best parts of yourself
• 32:48
  Speaker 4: when you're traveling, And I love that.
• 32:50
  Speaker 2: That's actually really beautiful. But also, like, you can't tell
• 32:54
  Speaker 2: me that that's in a bad money habit.
• 32:56
  Speaker 4: I probably do it to a point where too many times.
• 33:01
  Speaker 2: Do you have a lot of friends that are like, hey,
• 33:03
  Speaker 2: do you want to go to Croatia next week? If so,
• 33:05
  Speaker 2: where do I find more friends like that? Because a
• 33:07
  Speaker 2: lot of mine are like, hey, do you want to
• 33:08
  Speaker 2: go for coffee next week? And I'm kind of like, well, yeah,
• 33:11
  Speaker 2: but you didn't offer Croatia, So.
• 33:14
  Speaker 4: Not a lot. I did end up in Dubai a
• 33:16
  Speaker 4: few weeks ago because of an opportunity a girlfriend.
• 33:19
  Speaker 2: I love this mostly.
• 33:21
  Speaker 4: I travel so well.
• 33:22
  Speaker 2: Adore. That's not the worst money habit, especially because you're
• 33:25
  Speaker 2: such a hustler in every other aspect, Like it's clearly
• 33:30
  Speaker 2: not crippling your ability to get ahead, like you're killing it.
• 33:33
  Speaker 2: I love it all right. So at the start of
• 33:35
  Speaker 2: this episode, you said, look, I reckon, I'm an as.
• 33:38
  Speaker 2: What would that take to get to an A plus? Like,
• 33:41
  Speaker 2: what does that actually look like for you personally.
• 33:44
  Speaker 4: Coming out of what we just discussed.
• 33:46
  Speaker 2: Yeah, because I think you're an A plus. So like
• 33:48
  Speaker 2: it's kind of like a double edged sword. I'm like,
• 33:50
  Speaker 2: tell me, why don't you think you're good enough after
• 33:52
  Speaker 2: all of this?
• 33:54
  Speaker 4: Only because I will book so many last minute flights
• 33:57
  Speaker 4: where then your mind goes like, oh, that flight was
• 33:59
  Speaker 4: two thousand dollars I could have saved. But you're right, like,
• 34:02
  Speaker 4: I am doing fine with doing that.
• 34:05
  Speaker 2: I mean, it's a lot of money, so I can
• 34:06
  Speaker 2: see why you're questioning it. But I also think we
• 34:09
  Speaker 2: need to have some balance in life. Like I've said
• 34:12
  Speaker 2: so many times before, and I say this to all
• 34:15
  Speaker 2: of my friends and family because I'm a little bit
• 34:17
  Speaker 2: like woo woo at the same time. But old age
• 34:20
  Speaker 2: is a privilege that is denied to so many people.
• 34:23
  Speaker 2: And when we're talking about life, it's really for me
• 34:26
  Speaker 2: about the journey and enjoying it. And that's why I've
• 34:29
  Speaker 2: never been one of these, I guess finance people who
• 34:31
  Speaker 2: are like, you know, I want to create fire, which
• 34:33
  Speaker 2: is like financial independence, retire early because I'm just like,
• 34:37
  Speaker 2: I cannot see myself dedicating ten or twenty years to
• 34:40
  Speaker 2: living super frugally and not enjoying my life along the way,
• 34:44
  Speaker 2: so that you know, hopefully in the future when I
• 34:47
  Speaker 2: get there, I have enough money to live the life
• 34:50
  Speaker 2: that I think I deserve. Like, why can't we just
• 34:51
  Speaker 2: do that the whole way and have some level of balance,
• 34:54
  Speaker 2: Like I'm not that type of person who you know,
• 34:57
  Speaker 2: wants to save and scrimp on every penny because it's
• 34:59
  Speaker 2: not of value to me. And does that mean that
• 35:02
  Speaker 2: I don't respect people who do that. No, absolutely not,
• 35:04
  Speaker 2: Like get it if that's what you want to do,
• 35:07
  Speaker 2: But for me, I'm kind of like, well, it's a
• 35:08
  Speaker 2: two thousand dollars flight. But as you said before, you
• 35:11
  Speaker 2: were like, you remember the best parts of you when
• 35:14
  Speaker 2: you travel, Like is that not what we should be
• 35:16
  Speaker 2: focusing on? Like, should we not be focusing on what
• 35:19
  Speaker 2: sparks joy and what brings out the best in us
• 35:22
  Speaker 2: so that you know, you can come home and build
• 35:26
  Speaker 2: your business and become a really big hustler and buy
• 35:28
  Speaker 2: your house and then you know, go all right, well,
• 35:30
  Speaker 2: I do need to get away again, because like that's
• 35:32
  Speaker 2: what sparks joy Like. I just can't see it as
• 35:34
  Speaker 2: a bad money habit. From that lens, this is as
• 35:38
  Speaker 2: good as therapy. It's almost like I like did psychology
• 35:42
  Speaker 2: as well.
• 35:43
  Speaker 4: Wild Everything you said is so true.
• 35:45
  Speaker 2: But yes, I'm glad I can't see it as a
• 35:47
  Speaker 2: bad money habit. I look at this, I'm like, holy guacamole.
• 35:50
  Speaker 2: You are so impressive. Like your business is obviously thriving.
• 35:55
  Speaker 2: Everything else in your life is thriving. What's next? Obviously
• 35:59
  Speaker 2: You've got a few decision to make about growing and
• 36:01
  Speaker 2: maybe scaling your business, But like, have you got any
• 36:04
  Speaker 2: plans in place? Where are we off to?
• 36:05
  Speaker 4: I do have, in addition to the business side project
• 36:08
  Speaker 4: that I do that is profitable at this time, that
• 36:12
  Speaker 4: I'm doing a number of things to grow that. So
• 36:15
  Speaker 4: I'm working a lot on the side on like setting
• 36:18
  Speaker 4: up some collaborations and growing that project as well.
• 36:22
  Speaker 2: How exciting.
• 36:24
  Speaker 4: Yeah, and I would love to hire someone, but I
• 36:26
  Speaker 4: have to wait until after that house has settled.
• 36:29
  Speaker 2: Yeah, like your first hire, I reckon is the scariest hire.
• 36:33
  Speaker 4: It is so scary.
• 36:34
  Speaker 2: It's like the responsibility that you take on, but also
• 36:38
  Speaker 2: it just feels like a really heavy responsibility. But it'll
• 36:40
  Speaker 2: be the best time of your life, I promise.
• 36:42
  Speaker 4: Okay, good. That gives me confidence.
• 36:45
  Speaker 2: I mean as someone who hired their first person and
• 36:47
  Speaker 2: was like, oh, I'm just going to like, you know,
• 36:49
  Speaker 2: have this one assistant. Now I have thirty plus stuff
• 36:51
  Speaker 2: like it does compound after that, but in the best
• 36:55
  Speaker 2: of ways. Yeah, all right, money, dirist. I have adored
• 36:58
  Speaker 2: our conversation, Like, I just think this is so cool,
• 37:02
  Speaker 2: Like you're just a hustler. I'm glad that we don't
• 37:04
  Speaker 2: have that boyfriend anymore. He didn't deserve you anyway, so
• 37:07
  Speaker 2: good riddance. But everything you've achieved on your own is
• 37:10
  Speaker 2: just such an inspiration because you've just done it on
• 37:13
  Speaker 2: your own, isn't that like the coolest thing ever? They're like,
• 37:15
  Speaker 2: I did this. No one helped me. Literally, they didn't
• 37:18
  Speaker 2: even try to help me, and that's why we kicked
• 37:20
  Speaker 2: them out. But I think it's just so cool. So
• 37:22
  Speaker 2: I know our community is going to have loved this
• 37:24
  Speaker 2: diary as much as I have, So thank you for
• 37:27
  Speaker 2: sharing it and being so candid. And yeah, I just
• 37:30
  Speaker 2: adore it, and I know they will too.
• 37:31
  Speaker 4: Thank you. I appreciate that.
• 37:39
  Speaker 3: The advice shared on She's on the Money is general
• 37:42
  Speaker 3: in nature and does not consider your individual circumstances. She's
• 37:46
  Speaker 3: on the Money exists purely for educational purposes and should
• 37:49
  Speaker 3: not be relied upon to make an investment or financial decision.
• 37:53
  Speaker 3: If you do choose to buy a financial product, read
• 37:55
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• 37:58
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• 38:00
  Speaker 3: Victoria Divine and She's on the Money are authorized representatives
• 38:04
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