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AMA: Jess & V Answer Your Biggest Money Questions · She's On The Money

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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations
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Speaker 1: woman and I'm here to acknowledge country t glennyan Ganya, Niana,
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Speaker 1: Kaka yah Ya bin Ahaka Nian our gay in Mbina,
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Speaker 1: yakarum jar Dominyama, domag Ithawakawaman, damon Imlan Bumba ban Gadabomba
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Speaker 1: in and now in wakah Ghana on yak rum jar Watnadaa. Hello,
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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
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Speaker 1: We thank acknowledge and respect the Abiginal people's land that
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Speaker 1: we're gathering on today. Take pleasure in all the land
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Speaker 1: and respect all that you see. She's on the Money
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Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
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Speaker 1: knowledge and resources for you to thrive.
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Speaker 2: She's on the Money. She's on the Money.
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Speaker 3: Hello and welcome to She's on the Money, the podcast
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Speaker 3: that is here to answer all of your burning money
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Speaker 3: questions and probably overshare while we're at it. I'm Victoria
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Speaker 3: Devine and today well Beck is off elsewhere being absolutely fabulous.
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Speaker 2: I've got the one and only Miss Jess Garried. She
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Speaker 2: joining me. Just welcome.
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Speaker 4: That was like a real like woo, I fin they
1:29
Speaker 4: should be theen music playing in the background.
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Speaker 3: It should be I'm just greed she People get so
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Speaker 3: annoyed when I say that, They're like, why do you
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Speaker 3: always say her name like that?
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Speaker 2: I get so many messages like, not so many.
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Speaker 3: Actually, that's probably me over over estimating that, but at
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Speaker 3: least one a month of people being like, why do
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Speaker 3: you do that to Jessica, isn't it because that's the
1:47
Speaker 3: way you're technically meant to say it?
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Speaker 2: Justly in a way. Yeah, I really just ostralized.
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Speaker 3: So jess and I we thought today, while we've got you,
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Speaker 3: we thought it would be really fun to a community
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Speaker 3: Q and A. So you might have seen on our
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Speaker 3: stories us asking for some questions because if there's one
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Speaker 3: thing we love more than a money chat, it's answering
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Speaker 3: your questions. And honestly, our community they always bring the goods.
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Speaker 2: Oh I love I feel like it's fun to do
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Speaker 2: a little bit.
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Speaker 4: It feels personal, right, Like it feels like we're chatting
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Speaker 4: with you guys exactly.
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Speaker 3: Someone was like the other day They're like, oh, I
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Speaker 3: saw you in person and I wanted to say hi,
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Speaker 3: but I felt like that was really rude, and I
2:24
Speaker 3: was like, you know, what's really rude when you see
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Speaker 3: a friend in public and you didn't say hi.
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Speaker 2: Totally.
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Speaker 3: I love chatting to you guys, but you have a
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Speaker 3: lot of questions. So should we get into it, Miss
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Speaker 3: jeff Breach, Absolutely, okay. So our first question comes from
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Speaker 3: our friend Kathy, and this is word for word. Kathy says,
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Speaker 3: I want to hear more about Queen Jessica Ried she's
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Speaker 3: Kobrea Path. She has so much vision and such good
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Speaker 3: work ethic.
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Speaker 2: Ah, that's a thinky Kathy's. She does have really good work.
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Speaker 2: I think if you learn anything from Jessica is that
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Speaker 2: that's so sweet.
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Speaker 4: I have had a very non conventional career, which I
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Speaker 4: feel like we've touched on here and there. I did
3:05
Speaker 4: not go to university, which not to say that that's
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Speaker 4: right or wrong, but glad that I didn't because I
3:10
Speaker 4: don't like I didn't need it for my career and
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Speaker 4: I don't have hext it as a result. But at
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Speaker 4: the time, it wasn't an easy choice. I went to
3:18
Speaker 4: school through an advanced placement program and there was a
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Speaker 4: lot of academic pressure and I wasn't sure that that
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Speaker 4: was the right choice. But I just went straight into working.
3:26
Speaker 4: I worked full time in a retail job for a
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Speaker 4: number of years, and then I took my first, I guess,
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Speaker 4: corporate style job. It wasn't full corporate, but it was
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Speaker 4: at a real estate agency.
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Speaker 2: I was an EA. I reckon, that's corporate. Yeah, it's giving,
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Speaker 2: like soft corporate, I would say.
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Speaker 4: And you know what the really interesting thing is is,
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Speaker 4: even though I didn't love that job and there was
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Speaker 4: a I learned a lot about the behind the scenes
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Speaker 4: of real estate, and there's so much transferable knowledge and
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Speaker 4: transferable skills, and I think when I look at really
3:55
Speaker 4: every job that I've done, there's things that I've taken
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Speaker 4: that like, to this day, I still use really regularly.
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Speaker 4: So from real estate, I went into an actual proper
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Speaker 4: corporate EA role, and I did a couple of different
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Speaker 4: ones at different companies before ending up in an OPS
4:11
Speaker 4: job at the most corporate place I'd ever been. And
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Speaker 4: that was where I really realized corporate wasn't for me.
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Speaker 4: Sure this particular company was not for me. The misogyny,
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Speaker 4: the like just the I don't I don't want to
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Speaker 4: trash it too publicly, but it just was a different time.
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Speaker 3: I've heard all of their gossip and I would happily
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Speaker 3: trash them.
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Speaker 2: Yeah. It was just very much not a good time.
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Speaker 4: And it made me really realize how important values are
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Speaker 4: to me in a workplace, and working somewhere that's misaligned
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Speaker 4: to my values was something that I found really deeply challenging.
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Speaker 4: And so I finished up there. I had lined up
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Speaker 4: a job. This is I finished up there. End of
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Speaker 4: twenty nineteen. I'd had reached out to somebody at a
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Speaker 4: marketing agency that i'd applied for a job for previously,
4:56
Speaker 4: and I'd been top two, and I'd kind of kept
4:59
Speaker 4: in touch with women, and I said, hey, like, I'm
5:01
Speaker 4: actually looking for work. If you see anything going, would
5:04
Speaker 4: you mind letting me know? And she said, oh my god,
5:06
Speaker 4: what crazy timing. I'm about to hire an EA roll.
5:10
Speaker 4: Come in and chat like this seems like it's meant
5:12
Speaker 4: to be, And so we'd arrange for me to come in.
5:15
Speaker 4: She said, you know, everything's shut down in January in
5:18
Speaker 4: marketing land, Like, come in start a feb maybe mid Feb. Actually,
5:22
Speaker 4: you know, to give me a bit of time to
5:23
Speaker 4: get things sorted and we will basically get you on
5:26
Speaker 4: the books. I was like great, and then mid feb
5:30
Speaker 4: twenty twenty, she goes, Oh, I'm so sorry. I've caught
5:32
Speaker 4: the bug that's going around. I'm so little covid bug.
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Speaker 2: I'm so sick. Can we push this out like a week?
5:39
Speaker 4: And I was like, of course, like what's a week?
5:40
Speaker 4: It's here or there. Oh I got important context that
5:43
Speaker 4: I completely skipped over. So when I stopped working retail
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Speaker 4: full time and I went to corporate, I kept my
5:47
Speaker 4: retail job on the side. I would work the late
5:49
Speaker 4: night shifts, the weekend shifts. I was doubling up, so
5:52
Speaker 4: I was working maybe like forty five fifty hours a week,
5:56
Speaker 4: which was great for saving money, and so I kept
5:58
Speaker 4: that on the side.
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Speaker 2: The whole time.
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Speaker 4: It was lovely because you have forced shutdowns over Christmases
6:02
Speaker 4: normally when you work in a corporate environment. So I
6:04
Speaker 4: would work through like my normal year, pick up full
6:08
Speaker 4: time work basically through the Christmas sales period, and then
6:10
Speaker 4: in retail that normally tapers off mid jam, which would
6:13
Speaker 4: be when I would go back to my normal job.
6:15
Speaker 4: So when I left that job, I was like, Okay, well,
6:18
Speaker 4: I can at least work full time through Christmas like
6:21
Speaker 4: I normally do in retail. Shout out classes, and then
6:24
Speaker 4: I needed something to pick up and I had a
6:25
Speaker 4: lot of friends at the time who worked in logistics,
6:27
Speaker 4: and they said, oh, just pick up like a casual
6:29
Speaker 4: pickpack a role. You can do it through a labor
6:31
Speaker 4: higher agency, so you're not tied down to any kind
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Speaker 4: of contract. The pay is really good, it's really it's
6:36
Speaker 4: relatively flexible. And I was like, oh, great, Like I
6:39
Speaker 4: can work there maybe four to six weeks till I
6:41
Speaker 4: get this new job at this agency in the door.
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Speaker 4: Don't have to spend my savings. That's exactly what I want.
6:48
Speaker 4: Fast forward, she gets sick. She asks to push the
6:51
Speaker 4: meeting out, and I was like, oh, well, I've got
6:52
Speaker 4: a job, like, no stress on me.
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Speaker 2: Of course, take your time. I'm not I've got nowhere
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Speaker 2: to be. And she did take her time.
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Speaker 4: Well, now we're at the end of February twenty twenty
7:01
Speaker 4: and I think, cancel all remember exactly what happened, and
7:06
Speaker 4: so can we push the meeting out? A week became Oh,
7:08
Speaker 4: I'm so sorry, there's this sickness going around. We're going
7:11
Speaker 4: to move to remote work because we can wear a
7:13
Speaker 4: digital agency. I feel like it'll only be a couple
7:16
Speaker 4: of weeks. Can we just push our meeting back a
7:18
Speaker 4: couple more weeks? And I was like, well, sure, what's
7:21
Speaker 4: a couple more weeks? And then that became a couple
7:23
Speaker 4: of months, and then it kind of became I'm so sorry.
7:25
Speaker 4: We're just trying to keep our head above water. We
7:27
Speaker 4: are there's a hiring freeze. The job doesn't exist anymore,
7:31
Speaker 4: which I totally understood, but it was really hard because
7:34
Speaker 4: now we're maybe like four months into twenty twenty. I'm
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Speaker 4: working in this pitpacking job, which, like I was grateful
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Speaker 4: to have because so many people were losing their jobs
7:44
Speaker 4: at your time, absolutely, and I was really lucky that
7:47
Speaker 4: being in logistics, it was the one industry that was booming.
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Speaker 2: But it was tough work.
7:51
Speaker 4: Like I was getting up at four am to be
7:53
Speaker 4: at work at five am, working a ten hour day.
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Speaker 2: And if you guys know this, oh I'm not a mooring.
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Speaker 3: Sorry. If I said, oh, I go up at four
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Speaker 3: to do something at five, I think the rest of
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Speaker 3: the team to be like, yeah, okav yeah, we don't care.
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Speaker 2: The second Jes says, I was.
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Speaker 3: Like, at four, I go watch out, watch out, watch out,
8:09
Speaker 3: give her a wide clearance slide.
8:11
Speaker 2: I was she's probably going to cut.
8:13
Speaker 4: You on struggle straight, and honestly, my mental health really
8:16
Speaker 4: took a hit, and that you know, I was telling
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Speaker 4: the line of like being grateful to have a job
8:20
Speaker 4: when I knew so many people didn't, but also feeling
8:23
Speaker 4: like my career was really not moving forward. I was
8:25
Speaker 4: feeling super stuck. I ended up moving warehouses mid twenty
8:30
Speaker 4: twenty because I was like, Okay, well if I can't
8:32
Speaker 4: get a job in my industry, because nowhere was hiring
8:34
Speaker 4: for eas everyone had a hiring freeze, I was like, well,
8:37
Speaker 4: maybe I can just move to a warehouse with better
8:39
Speaker 4: conditions because they weren't really great entire ideal, they weren't great,
8:43
Speaker 4: and so I ended up at the Mecca Warehouse, which
8:46
Speaker 4: they were wonderful to work for. It was still obviously
8:49
Speaker 4: tough work in logistics, but they were really fantastic as
8:52
Speaker 4: a community.
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Speaker 3: I would have preferred fac makeup too, absolutely when I
8:57
Speaker 3: hired you, which is what I'm sure we're going to
8:59
Speaker 3: get to.
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Speaker 2: So yeah, she still worked at Mecca with that Mecca
9:02
Speaker 2: discount guy.
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Speaker 4: It was very It was lovely that forty percent discount.
9:06
Speaker 2: Oh god, oh, it was the best part about hiring
9:09
Speaker 2: you no, and then yeah.
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Speaker 4: End of twenty twenty, I had been following Shees on
9:14
Speaker 4: the money. I've been paying down my debt. I'd listened
9:15
Speaker 4: to season one and you guys put a post up
9:18
Speaker 4: on Instagram saying you are hiring for two different roles.
9:21
Speaker 4: You are hiring for someone to do content, you're hiring
9:23
Speaker 4: for an EA, and I applied and I said, oh,
9:25
Speaker 4: I actually kind of a qualified to do both of
9:27
Speaker 4: these things, and so you can a lost dog. Yeah,
9:31
Speaker 4: you kind of rolled them together to give me my
9:33
Speaker 4: own little custom job, and.
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Speaker 2: I've been here ever since. It has been the best.
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Speaker 2: I'm sorry, that really was a journey.
9:39
Speaker 3: I'm such a bad storytelling, you know what, No, because
9:42
Speaker 3: I think people would have really enjoyed listening to that,
9:44
Speaker 3: because I enjoyed listening to that, and I think it's
9:47
Speaker 3: so much nice that I just hear it in Jess's
9:50
Speaker 3: tone of voice and the way you would have be
9:51
Speaker 3: explained it at breakfast as opposed to it.
9:54
Speaker 2: Okay, cool. So if I just read through my LinkedIn.
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Speaker 4: Like Marl is fun, maral of the story is you
10:00
Speaker 4: you don't have to follow the linear path, like things
10:02
Speaker 4: can go up and you can go backwards.
10:03
Speaker 3: And sideways and diving in. So you started as my
10:07
Speaker 3: EA and did some content stuff on the side. What
10:11
Speaker 3: have you done since joining? Because I think a lot
10:12
Speaker 3: of people are like, well, what does Jess do? Like
10:14
Speaker 3: she was more on the pod Now she's not as
10:16
Speaker 3: much on the pod, and like we see her floating around,
10:19
Speaker 3: but she's not VIA's assistant, Like what do you do?
10:22
Speaker 1: Well?
10:22
Speaker 4: I look after all of our partnerships, and I guess
10:24
Speaker 4: after I joined, the show really exploded, and you know,
10:27
Speaker 4: all of a sudden, we had all of these amazing
10:29
Speaker 4: partners that wanted to work with us.
10:31
Speaker 2: The team grew.
10:32
Speaker 4: When I started, I was the first and only employee,
10:34
Speaker 4: and so from there we've gone to a team of
10:37
Speaker 4: what like eight now or something like that, and so
10:40
Speaker 4: the business has expanded. We've been able to do so
10:42
Speaker 4: much more, and with that has come the opportunity to
10:44
Speaker 4: do so many different commercial partnerships. We've had the books,
10:47
Speaker 4: and we've had all of the incredible projects we have,
10:50
Speaker 4: you know, our sponsors for the show, and so I
10:52
Speaker 4: look after all of that, which is really fun because
10:54
Speaker 4: we you know, we get to talk to so many incredible,
10:57
Speaker 4: really well aligned companies. I'm just kind of kicking around
11:01
Speaker 4: on the pod when I need it like that was
11:02
Speaker 4: never intended to be part of my job. I wouldn't
11:04
Speaker 4: say when I was hired, but it's so.
11:06
Speaker 2: Much fake sense. Yes, and we have fun doing it.
11:10
Speaker 4: I love it. There's nothing more fun than sitting down
11:12
Speaker 4: and getting to have a chit chat with you.
11:13
Speaker 2: It's the best.
11:14
Speaker 4: Anyway, Enough about me, I think I just talked for
11:16
Speaker 4: about ten thousand years. We've had so many people in
11:19
Speaker 4: the community asking when we popped this question box up.
11:22
Speaker 4: They want to know vd from you. What are your
11:25
Speaker 4: tips for financially preparing for a baby, preparing for maternity leave,
11:30
Speaker 4: parenting in general, and are there any tips you specifically
11:34
Speaker 4: have for a first time mum because you're a first
11:36
Speaker 4: time mum.
11:37
Speaker 3: I am a first time mom, and you know what,
11:39
Speaker 3: if you're going into this as like a first time
11:41
Speaker 3: single mum, that's really hard. I think you need to
11:44
Speaker 3: just take the pressure off yourself. I think social media
11:47
Speaker 3: doesn't do a lot of good things for parenting. It's
11:50
Speaker 3: a topic that I have been sort of touching on
11:53
Speaker 3: on social media recently and the amount of backlash I
11:56
Speaker 3: get for just having an opinion whether it is right,
11:59
Speaker 3: whether it is like it's just wild how much that
12:02
Speaker 3: topic triggers people. And I think that when I was pregnant,
12:06
Speaker 3: I was trying to learn, I was trying to absorb,
12:09
Speaker 3: Like my entire TikTok feed became about pregnancy, in birth
12:12
Speaker 3: and babies, and like I loved it, but at the
12:16
Speaker 3: same time, I found it all consuming. So I think
12:18
Speaker 3: taking a step back would be some of the best
12:20
Speaker 3: advice I have. I just think that people are going
12:24
Speaker 3: to tell you that you need all this stuff as well,
12:27
Speaker 3: you don't need the stuff, Like I was very grateful
12:31
Speaker 3: and very lucky during my pregnancy to be sent so
12:34
Speaker 3: much stuff.
12:36
Speaker 2: You just don't need it.
12:37
Speaker 3: Like you need a nice dry place for your baby
12:40
Speaker 3: to sleep, you need something to keep them really warm,
12:43
Speaker 3: a few onesies and way to feed them, Like honestly,
12:46
Speaker 3: they are going to be fine at the start. And
12:49
Speaker 3: I would really prioritize your mental health so like we
12:52
Speaker 3: could do and I've done episodes on like financially preparing
12:56
Speaker 3: for a baby. Go listen to those will link them
12:58
Speaker 3: in the show notes. But I don't think it changes
13:02
Speaker 3: what you're taking into consideration, whether you're in a couple
13:05
Speaker 3: of whether you're single. Just because you're going to have
13:07
Speaker 3: to think about childcare costs. You're going to have to
13:10
Speaker 3: think about, well, how do I feed this child? How
13:12
Speaker 3: do I clothe them? Yes, you don't have a duel income,
13:15
Speaker 3: but all of the parameters are kind of still the same.
13:19
Speaker 3: So to me, it's genuinely about taking the pressure off
13:22
Speaker 3: yourself and then realizing that, do you know what, your
13:25
Speaker 3: parenting journey is not going to look like everybody else's.
13:28
Speaker 3: It's going to look like yours. And for so long
13:31
Speaker 3: I was like, oh my god, like looking at milestones,
13:34
Speaker 3: completely up to you. But I deleted all the apps
13:36
Speaker 3: like tracking milestones. It becomes really overwhelming. Like I was told, Oh,
13:42
Speaker 3: your baby all start getting teeth at like six months,
13:44
Speaker 3: that's fantastic.
13:45
Speaker 2: Mine actually had teeth at three months and I took
13:47
Speaker 2: him to the.
13:48
Speaker 3: Doctor because I was so worried about it, and the
13:49
Speaker 3: doctor kind of looked at me and was like, yeah,
13:51
Speaker 3: like he's just got a tooth.
13:53
Speaker 2: Like that, that's a thing.
13:54
Speaker 3: Yeah, And I was like, sorry, what I think all
13:56
Speaker 3: of this external pressure did me no good And now
13:59
Speaker 3: I just do whatever I want as a parent, like
14:02
Speaker 3: in the nicest possible way. I think a happy baby
14:04
Speaker 3: and a healthy baby is all I care.
14:06
Speaker 2: About, definitely.
14:07
Speaker 4: And when it comes to prepping for maternity leave, is
14:09
Speaker 4: there anything you think people should be kind of considering
14:12
Speaker 4: having conversations with their partner.
14:14
Speaker 3: Yeah. So I think that when we're talking about prepping
14:16
Speaker 3: for matt leave, what you want to really do is
14:19
Speaker 3: think about what you're doing on mat leave. I think
14:21
Speaker 3: so often you go, it'll be really easy to live
14:23
Speaker 3: off one income, but you're probably going to have a
14:25
Speaker 3: whole heap of like incidental costs, additional coffees because you're
14:30
Speaker 3: going on walks, and you should be prioritizing getting out
14:33
Speaker 3: of the house for your mental health. I think so
14:34
Speaker 3: many times when you're on matt leeve, you're like, no, no, no,
14:37
Speaker 3: we need to be really strict and really safe. But
14:40
Speaker 3: during a period of turmoil, during a period where your
14:43
Speaker 3: hormones are absolutely erratic, like, let's just maybe spend a
14:47
Speaker 3: little bit more on our mental health, on you know,
14:49
Speaker 3: that extra coffee. I know that that sounds a little
14:51
Speaker 3: bit flippant, but like I promise there are mums listening
14:54
Speaker 3: to this that are already mums that are like, oh
14:56
Speaker 3: my god.
14:57
Speaker 2: I know the amount of times I was like, no,
14:59
Speaker 2: I really shouldn't go the cafe.
15:00
Speaker 3: I went yesterday, but like that would have changed the
15:03
Speaker 3: trajectory of their mental health for the day.
15:06
Speaker 2: I'm sorry.
15:07
Speaker 3: Go spend the five dollars, do you know what I mean? Like, here,
15:09
Speaker 3: go for the walk, get out of the house, spend
15:11
Speaker 3: the five dollars. Put that into your budget. And I
15:14
Speaker 3: think that matt leave can be really really challenging because,
15:18
Speaker 3: especially if you're a single mum, you are trying to
15:20
Speaker 3: work out, well, when can I go back to work?
15:23
Speaker 3: And it might be earlier than your peers, that might
15:25
Speaker 3: be earlier than your friends. You might, in a perfect
15:27
Speaker 3: world love twelve months off, but you can't afford that
15:30
Speaker 3: you're doing the best thing you can for your family. Yeah,
15:32
Speaker 3: And I think we just want to take the pressure off, Like,
15:35
Speaker 3: let's not look at what you can't do, let's look
15:37
Speaker 3: at what you can do. And how do we kind
15:39
Speaker 3: of embrace that without judgment? Yeah?
15:42
Speaker 2: I love that? Should we?
15:43
Speaker 4: Is that also a good time to be talking to
15:44
Speaker 4: your partner about potentially they're making contributions to your superannuation?
15:48
Speaker 3: Absolutely, we're asking about superannuation. I'm not taking time out
15:52
Speaker 3: of the workforce to be behind I would say I'm
15:56
Speaker 3: not going to say it's less important, but it is
15:58
Speaker 3: less important because as the first of July this year, yes,
16:02
Speaker 3: supernuation is now payable by the government on maternity leave.
16:07
Speaker 2: Amazing.
16:07
Speaker 3: We now get twenty four weeks of paid maternity leave.
16:12
Speaker 3: Incredible as opposed to what we had before. And that's
16:15
Speaker 3: really sexy. But that's also minimum wage, so it might
16:18
Speaker 3: not be what you were previously contributing, and I.
16:21
Speaker 2: Might be asking my partner for the top up.
16:23
Speaker 3: Yeah, like sorry, I'm not here sacrificing my financial future
16:27
Speaker 3: so that you can go back to work and have
16:29
Speaker 3: a really secure financial future.
16:31
Speaker 2: I'm sorry.
16:32
Speaker 3: Fifty percent of marriages and di divorce, Like, and that's
16:35
Speaker 3: just marriages. So many people I know nowadays are having
16:37
Speaker 3: kids and they're not married and that doesn't matter at all,
16:40
Speaker 3: But like, what about those relationships?
16:42
Speaker 2: So I just get your bank sis, Yeah, be prepared
16:45
Speaker 2: for the worst.
16:46
Speaker 3: Another big theme JESS that we saw coming up was goals,
16:49
Speaker 3: and we love talking about goals, how to choose them,
16:52
Speaker 3: how to stick to them, and how to balance those
16:54
Speaker 3: really big financial dreams with life goals that also come
16:57
Speaker 3: with a really big breast tag. We also had someone
17:00
Speaker 3: wanting to know if travel was a bad money goal.
17:04
Speaker 2: I don't think any money goal is inherently bad. Like
17:06
Speaker 2: all your goal, you got a goal. Yeah, your goals
17:09
Speaker 2: are so personal to you.
17:11
Speaker 4: As someone who traveled a lot when they were younger,
17:12
Speaker 4: and I spent like all of my money traveling, I
17:14
Speaker 4: don't regret spending the money. I regret the way in
17:17
Speaker 4: which I did it, just because, like spending every dollar
17:21
Speaker 4: meant I wasn't the most financially stable.
17:23
Speaker 3: I really don't regret things that we did in our
17:26
Speaker 3: youth because we didn't have the education correct, Like I.
17:28
Speaker 4: Wish that I had had the knowledge that I have
17:30
Speaker 4: now and had been investing for long.
17:32
Speaker 2: Been better. But yeah, whatever. I think travel is an
17:35
Speaker 2: amazing goal.
17:35
Speaker 4: I think there is so much that you can learn
17:38
Speaker 4: from being outside of your comfort zone. I've done a
17:42
Speaker 4: lot of travel to third world countries, and I think
17:43
Speaker 4: that particularly has been really beneficial to me in terms
17:47
Speaker 4: of gratitude and you know, having I guess more of
17:51
Speaker 4: a consciousness of the impacts of what I do on
17:53
Speaker 4: a global scale, and you know what I mean, the
17:56
Speaker 4: world is so much bigger than us. I think that
17:58
Speaker 4: traveling is a really good way to do that, to
18:00
Speaker 4: connect with other cultures, to meet new people, to see.
18:03
Speaker 4: There's just so much in the world to appreciate and
18:07
Speaker 4: enjoy and explore. And I think that that is so valuable.
18:12
Speaker 4: And so I think that if that is something you
18:13
Speaker 4: want to do, just prioritize that save do it responsibly.
18:18
Speaker 4: I don't think that you should feel bad about that
18:19
Speaker 4: at all. And in terms of having, you know, balancing
18:22
Speaker 4: those big goals with your life goals, you love to
18:25
Speaker 4: say you can do it all, but not all at once,
18:27
Speaker 4: and I do love it.
18:28
Speaker 2: I think that's so true.
18:29
Speaker 3: I am a broken record who you probably you need
18:32
Speaker 3: to move on from. She's on the money you need
18:34
Speaker 3: too long. You could just paraphrase me consent.
18:36
Speaker 2: Adopted all of your idioms. I mean, I'm not mad,
18:40
Speaker 2: I'm just concerned.
18:42
Speaker 4: I have a good question actually to follow on from that.
18:44
Speaker 4: Our next community member wants advice on how to stop
18:48
Speaker 4: sabotaging herself with irresponsible spending and not sticking to her goals.
18:52
Speaker 2: Do you know what I think it's about? And get
18:53
Speaker 2: this zooming out?
18:55
Speaker 3: Oh, Because I find that from a psychology persons, self
19:00
Speaker 3: sabotage often happens when we're scared of change. It often
19:05
Speaker 3: happens when we're worried about, well, what happens when I
19:07
Speaker 3: achieve that goal? Am I going to feel the way
19:10
Speaker 3: I thought I was going to feel? And you might
19:11
Speaker 3: not be thinking this, but self sabotage is often about
19:15
Speaker 3: not lacking change.
19:15
Speaker 2: It's not because you don't want to succeed.
19:17
Speaker 3: Because if I said, you know, Jess, you really want
19:19
Speaker 3: to save for a house, and I'm going to use
19:21
Speaker 3: this as an example, but then you keep dipping into
19:23
Speaker 3: your savings account, you're like, well, it doesn't matter, it
19:25
Speaker 3: doesn't matter. And then but what's your biggest goal in
19:27
Speaker 3: the world? You say, well, saving for a house. More
19:30
Speaker 3: often than not, the self sabotage is coming from being like, oh, yeah,
19:34
Speaker 3: but I'm happy where I am. I don't really care
19:35
Speaker 3: about the che do you know what I mean? It's
19:37
Speaker 3: about change. So I think we really need to get
19:40
Speaker 3: serious with ourselves. If you are going in and being
19:44
Speaker 3: a bit irresponsible with your spending when that's not what
19:47
Speaker 3: you want, fine, but why tell me what are you
19:51
Speaker 3: getting out of that? Tell me do you actually that
19:53
Speaker 3: big money goal that you were working towards. Is it
19:56
Speaker 3: actually your goal?
19:57
Speaker 2: Because right now you're telling me it's not to get
20:00
Speaker 2: some hard truths out there.
20:01
Speaker 3: And be like, maybe this isn't my money goal, and
20:04
Speaker 3: maybe I'm saying that I'm saving for a house because
20:07
Speaker 3: society has been telling me I'm saving for a house
20:10
Speaker 3: and should.
20:10
Speaker 2: When I actually don't give two shits about it.
20:13
Speaker 3: Yeah, And then we need to flip it over and go, okay, well,
20:15
Speaker 3: if it is your goal, why are we self sabotage?
20:19
Speaker 2: What happens when you buy the house? Is it the change?
20:22
Speaker 2: What happens when you are realistic about this?
20:25
Speaker 3: And I think it's just about creating a plan because
20:28
Speaker 3: we're all good at self sabotage. I'm the best at
20:30
Speaker 3: self sabotage, And like Jess, you would have seen this
20:32
Speaker 3: a million times. It doesn't matter what it is, whether
20:35
Speaker 3: it is for me a savings goal or I'm really
20:37
Speaker 3: close to finishing something. You know what happens when I'm
20:40
Speaker 3: close to finishing a book, I shut down the last chapter.
20:44
Speaker 3: Good luck getting that out of me. I don't want
20:46
Speaker 3: to do it, and I don't know why I don't
20:49
Speaker 3: want to do it. I don't like the idea of
20:50
Speaker 3: that process and I don't.
20:52
Speaker 4: Know what it is.
20:53
Speaker 3: But like getting me to finish something can be quite
20:57
Speaker 3: challenging cat talk about. But I think it's so important
21:02
Speaker 3: to understand why that's happening. And that's when I have
21:04
Speaker 3: to go, you are self sabotaging again.
21:06
Speaker 2: Why are you doing this?
21:07
Speaker 3: Because if you don't pull your finger out, you're not
21:09
Speaker 3: going to achieve this thing, And like, that's actually what
21:12
Speaker 3: you said you wanted.
21:14
Speaker 2: And sometimes it's just scary, and.
21:16
Speaker 4: It about identifying the trigger a little bit too going
21:19
Speaker 4: more often than not, I think it's probably a pattern, right,
21:21
Speaker 4: And so you might see, like with the book, for example,
21:23
Speaker 4: you get to the end and you go, oh, well,
21:25
Speaker 4: I don't want to finish reading the book. I'm too
21:27
Speaker 4: overwhelmed with the thought of starting a new one or
21:29
Speaker 4: finding a new one, whatever that looks like for you
21:32
Speaker 4: know whoever, whatever goal you're dealing with.
21:34
Speaker 2: So I feel like if you can identify.
21:36
Speaker 4: Like what causes you to self sabotage, you might actually
21:40
Speaker 4: be able to get to the root of the problem
21:42
Speaker 4: and then identify what solution you can put in place.
21:45
Speaker 3: One all right, Katie has asked us if we can
21:49
Speaker 3: explain how platforms like shop back actually work.
21:53
Speaker 2: We talk about them.
21:54
Speaker 3: All the time, but she wants to know, how do
21:56
Speaker 3: you actually use them, and you know what I'm asking you,
21:59
Speaker 3: because you're basically the shop back Wien is just good.
22:02
Speaker 2: I do love a cash back platform.
22:04
Speaker 4: Basically, the way that these platforms work is it's like
22:07
Speaker 4: a referral system. So if you have their like a
22:11
Speaker 4: little pop up opening the browser, or you shop through
22:13
Speaker 4: their website using the cookies to track where you're going.
22:16
Speaker 4: And so let's say you go, oh wow, there's twenty
22:19
Speaker 4: percent cash back at the Iconic today, I'm going to
22:21
Speaker 4: buy that thing I wanted. When you click through shopback
22:24
Speaker 4: toor whatever platform you're using, the Iconic pays a referral
22:27
Speaker 4: fee to shop Backs or whoever for sending a click
22:31
Speaker 4: correct exactly right, which is a really standard way of
22:33
Speaker 4: doing things. And then these platforms then share a percentage
22:36
Speaker 4: of that with you in the form of cash back.
22:38
Speaker 4: So you accumulate cash back through online shopping, and then
22:44
Speaker 4: sometimes you have to heat a threshold.
22:45
Speaker 2: When you're ready, you can withdraw it, usually.
22:47
Speaker 4: Straight to your bank account, to your pay pad money,
22:49
Speaker 4: and it's such a you're spending the money anyway, is
22:52
Speaker 4: the way that I look at it. So why not
22:54
Speaker 4: I think every year I maybe get one to two
22:56
Speaker 4: hundred dollars cash back just from like standard every year. Yeah,
23:00
Speaker 4: really just standard normal online shopping, especially because I try
23:03
Speaker 4: and use the upsize one and.
23:04
Speaker 3: You're you're not the biggest shopping in the entire world.
23:07
Speaker 3: This is probably going to help me. I just cashed
23:10
Speaker 3: in one thousand dollars worth of shop Oh my god.
23:14
Speaker 3: And I did an extra investment because I was like, oh,
23:16
Speaker 3: it's just tipped over this, I'm going to like take
23:18
Speaker 3: a thousand dollars out and invest it. So I did
23:20
Speaker 3: like another investing bundle boring ETFs. But that was really cool.
23:26
Speaker 3: And when I saw it, I was like, holy guacamole.
23:29
Speaker 3: Just by having it on my like having it on
23:32
Speaker 3: my browser, it pops up and says, do you want
23:34
Speaker 3: to turn on cash back for this website? And I'm like,
23:37
Speaker 3: well yes, And I mean I also book a lot
23:40
Speaker 3: of travel for work and stuff through that. So I
23:42
Speaker 3: don't want people to be like, oh, Victoria is actually
23:44
Speaker 3: a really irresponsible shopper, because I think you would know
23:47
Speaker 3: I'm actually not that bad, but I do have a
23:49
Speaker 3: lot of work expenses, a lot of offs works stuff.
23:52
Speaker 3: Like Anyway, it was nice to get some little cash
23:54
Speaker 3: holder absolutely, and it's like I love to.
23:57
Speaker 4: I have all my favorite shop shops they shop at
23:59
Speaker 4: regularly favorited, so I get notified when there is upside.
24:02
Speaker 4: So the same pet food, for example, gross twenty percent
24:05
Speaker 4: cash back. I'm stocking up things like that so you
24:07
Speaker 4: can even just take your normal every day spending and
24:10
Speaker 4: hopefully get a little bit of money back on exactly.
24:12
Speaker 3: All right, Jess, let's take a really quick break and
24:15
Speaker 3: then we're going to get into money saving tips for travel,
24:18
Speaker 3: and we're going to have a quick chat about budget
24:21
Speaker 3: date notes, so guys don't go anywhere. Welcome back, guys
24:29
Speaker 3: to our very special Q and A episode. We are
24:32
Speaker 3: loving the questions that you guys send in. Honestly, we
24:35
Speaker 3: could probably do this all day, but we actually have
24:37
Speaker 3: a timer on because the studio is booked by somebody else.
24:41
Speaker 2: So Jess, what's next on the list?
24:43
Speaker 4: Another one that we saw coming up time and time again.
24:47
Speaker 4: The people want to know what are our favorite tips
24:49
Speaker 4: for saving on travel? And we had one specific person
24:52
Speaker 4: requesting tips to the US, which we did a trip
24:55
Speaker 4: a couple of years ago.
24:55
Speaker 2: We went to New York and then we went to
24:58
Speaker 2: New Orleans. It was lovely and to go to Disneyland.
25:01
Speaker 2: Oh that was absolutely the highlight of the true So
25:04
Speaker 2: first thing I would say is cash back.
25:06
Speaker 3: So making sure that if you are booking travel, you
25:08
Speaker 3: are doing it through a cash back platform. It always
25:11
Speaker 3: says us like I think I got two percent back
25:14
Speaker 3: on my most recent flights, but two percent of flights
25:16
Speaker 3: I'm paying a couple of grand Like that ends up
25:18
Speaker 3: being a couple of hundred dollars. Yeah, so money win.
25:21
Speaker 3: The next is when you're looking for flights online, clearing
25:25
Speaker 3: your cookies. So this sounds silly, but I always look
25:29
Speaker 3: for flights in a private browser, Like I go into
25:31
Speaker 3: a private browser, make sure my computer's clear of cookies first,
25:35
Speaker 3: because there's no remarketing that happens with flights.
25:39
Speaker 2: And sometimes you know, when you go on and it's like,
25:40
Speaker 2: oh these return flights, you're up a twelve hundred dollars,
25:43
Speaker 2: and then you go back a day later and it's
25:45
Speaker 2: thirteen fifty and you're like, hold on, hold on.
25:48
Speaker 3: That can be quite purposeful. So we are making sure
25:50
Speaker 3: that we don't have that on. I'm such a points
25:53
Speaker 3: hacker as well. We did a whole episode you and
25:55
Speaker 3: I actually just on points hacking, and sometimes I I
26:00
Speaker 3: try to most of the time use my points to
26:03
Speaker 3: either upgrade my travel or pay for part of my travel.
26:06
Speaker 3: And you don't just have to use points for flights.
26:09
Speaker 3: You can also book accommodation, which is really helpful. I
26:12
Speaker 3: think is really cool. So like, for example, we'll get
26:16
Speaker 3: to the US, but I have just booked a trip
26:18
Speaker 3: to Bali and I've paid for our business class return
26:21
Speaker 3: flights with Virgin with points, and then I'm staying at
26:25
Speaker 3: two different resorts. We're going for a wedding, so the
26:27
Speaker 3: wedding venue was actually on my points platform, so I
26:32
Speaker 3: was able to book. I had to do like a
26:33
Speaker 3: cash top up, which was fine. I used all the
26:35
Speaker 3: points for that, did a cashtop up, and then I
26:38
Speaker 3: paid cash for the rest of it. So like technically
26:40
Speaker 3: this holiday is mainly paid for in points, like obviously
26:45
Speaker 3: not spending money and like the other hotel, but like, sorry,
26:48
Speaker 3: that's a good deal.
26:50
Speaker 2: That's a really good deal.
26:51
Speaker 4: I like for flights to make sure that you're taking
26:54
Speaker 4: like looking at the options. So if you want to
26:57
Speaker 4: fly in the middle of the day direct, you're going
26:59
Speaker 4: to pay the most money. But if you're willing to
27:01
Speaker 4: leave it five in the morning, I actually I want
27:04
Speaker 4: to stop over in a country, you can save yourself
27:06
Speaker 4: a lot of money, and I think that's really well
27:08
Speaker 4: worth doing if you are trying to.
27:10
Speaker 2: Do it affordably.
27:11
Speaker 4: The other thing I would say is public transport, depending
27:13
Speaker 4: on where you're traveling, but a lot of countries have
27:16
Speaker 4: really great public transport systems. New York, for example, where
27:18
Speaker 4: we went, had the subway, which.
27:20
Speaker 3: Made everybody care the train everywhere. Sorry you're not getting
27:22
Speaker 3: ubers in New yourk Yes, too expensive.
27:24
Speaker 2: Absolutely, So I think that's really great.
27:26
Speaker 4: Also, looking for discounted tickets to attraction, so you can
27:32
Speaker 4: often get like tourist deals where it's like buy one,
27:36
Speaker 4: get one half off or whatever that looks like. Student
27:39
Speaker 4: discounts are a global thing, so you can often get
27:41
Speaker 4: student discounts to get into different attractions, museums, et cetera.
27:45
Speaker 4: So looking on any way that you can really get
27:47
Speaker 4: a good deal I think is a big one. And
27:50
Speaker 4: then lastly I would say for your accommodation. I'm a
27:53
Speaker 4: skimp out on accommodation person. You're theoretically just there to sleep,
27:58
Speaker 4: and so like when I went to Japan and we
28:00
Speaker 4: were sleeping in a room that was like two meters
28:01
Speaker 4: by two meters and we were actually.
28:03
Speaker 2: That could never be me, and you've traveled with me,
28:05
Speaker 2: you know what.
28:05
Speaker 4: I'm like, I'm not gonna like, I'm not going to
28:07
Speaker 4: say I don't love staying in a beautiful five stars
28:09
Speaker 4: or but.
28:09
Speaker 3: If we're trying to cut well, she enjoys it, she's grateful,
28:12
Speaker 3: But like if she's paying for herself, she's going to
28:15
Speaker 3: stay in a shoe box.
28:16
Speaker 4: Yeah, I just think you're there to sleep and store
28:18
Speaker 4: your stuff, and that's fair and I think that that's
28:21
Speaker 4: a really good place.
28:21
Speaker 2: That you can look to cut costs. See, for me,
28:24
Speaker 2: I like to spend a little bit more on accommodation.
28:26
Speaker 3: I think because I'm generally such a homebody, Like I'm
28:30
Speaker 3: the type of person and you saw this when we
28:32
Speaker 3: traveled and the US I think is a really good
28:34
Speaker 3: example of this. Is like I would want to go
28:37
Speaker 3: back to the house, like in the early afternoon and
28:39
Speaker 3: have a few, like Rotta hours of just like being
28:43
Speaker 3: inside scrolling on my phone, having a little bit of
28:46
Speaker 3: a rest, and then going back out for dinner and
28:48
Speaker 3: whatever we were doing after.
28:50
Speaker 2: So for me, that's a priority.
28:51
Speaker 3: But I was I was thinking as we were talking
28:54
Speaker 3: about this, another area that I would say, I save
28:56
Speaker 3: a lot on is food. And the first time we
29:00
Speaker 3: went to America together, Jess, we shared a room because
29:04
Speaker 3: we were savvy and also like we low key enjoy that.
29:07
Speaker 3: I went straight to the supermarket, didn't I I got
29:10
Speaker 3: like breakfast cereals, I got like filter coffee, I got
29:13
Speaker 3: like or whatever.
29:14
Speaker 2: It always like a cold brew coffee thing, because I
29:16
Speaker 2: was like, I am not.
29:17
Speaker 3: Spending like seven dollars USD on a coffee every single
29:21
Speaker 3: morning from Starbucks where it's not even that good. And
29:24
Speaker 3: I would also eat cereal in the mornings in our
29:27
Speaker 3: hotel room.
29:27
Speaker 2: It worked out so well.
29:29
Speaker 3: And I'm such a I don't care how much money
29:31
Speaker 3: we have and such a let's make sure that we've
29:33
Speaker 3: got snacks at home.
29:34
Speaker 2: So like I was also packing your bag before you left.
29:37
Speaker 3: I was like, here's a musly bar for the day
29:39
Speaker 3: in case you got a little bit hungry before lunch.
29:41
Speaker 2: Like, I'm sorry, I'm not paying for snacks out.
29:43
Speaker 3: I'm going to go to the supermarket when I arrive
29:45
Speaker 3: at my location, get some snacks, get some breakfast stuff.
29:49
Speaker 3: I swear it saves us over a like a week trip,
29:52
Speaker 3: a couple of hundred dollars easily because sorry.
29:55
Speaker 2: We've got food at home. Yeah, okay, at home is
29:58
Speaker 2: now here in New Orleans, in Florida or wherever we are.
30:01
Speaker 2: And if we have to eat with a spoon out
30:03
Speaker 2: of the box, so be it.
30:04
Speaker 4: No, no, no no.
30:06
Speaker 3: We also bought lights and spoons and cutlery. We are
30:09
Speaker 3: arguably relatively unhinged. And on my trip to Bali that
30:13
Speaker 3: we're about to go on, I've actually packed a lunchbox
30:17
Speaker 3: for Harvey because I will be making little sandwiches at
30:21
Speaker 3: the buffet breakfast every morning so that he has morning
30:23
Speaker 3: tea and lunch. Because I'm sorry, he's under the age
30:25
Speaker 3: of two. He's not getting the menu at the pool,
30:29
Speaker 3: so he's just not Yeah, I don't care. You will
30:32
Speaker 3: have a little veggiemke sandwich or whatever, and I know
30:35
Speaker 3: he'll be happy with that. All right, let's move on
30:37
Speaker 3: from this, still talking about saving money, but you're extra
30:41
Speaker 3: good at this, Jess. Lizzie wants to know what our money,
30:44
Speaker 3: date nights and conbos look like with our partners.
30:49
Speaker 4: We don't do a regular to be honest, a regular
30:52
Speaker 4: date night or conversation. We just have a structure that
30:55
Speaker 4: kind of works for us. We don't fully share finances.
30:58
Speaker 4: We split our rent class, we split our shared expenses,
31:01
Speaker 4: so like bills and groceries and that sort of thing.
31:04
Speaker 4: But outside of that, we really like there's not too
31:07
Speaker 4: much crossover, and so we don't have the need to
31:09
Speaker 4: have those types of conversations. But I would say, if
31:11
Speaker 4: that's something you're wanting to do, it's really about just
31:14
Speaker 4: approaching it honestly and pragmatically. I think that money can
31:19
Speaker 4: be a tense thing. If you feel like one person
31:21
Speaker 4: is spending more than the other, or if you feel
31:23
Speaker 4: like one person is taking your savings goals more seriously
31:26
Speaker 4: than the other, it can bring up a lot of emotions,
31:28
Speaker 4: and I think it's really helpful to take the emotion
31:30
Speaker 4: out of it and look at your numbers. So I
31:32
Speaker 4: think if you're going to approach your partner about their
31:35
Speaker 4: spending habits, for example, or wanting to cut back or
31:38
Speaker 4: whatever that looks like, have some numbers to back you
31:40
Speaker 4: up and go, Okay, well, I've done the math on
31:43
Speaker 4: what our spending is looking like, and if we cut
31:45
Speaker 4: back xyz, we could save this amount. And so I
31:48
Speaker 4: think that having something factual is also quite irrefutable, so
31:52
Speaker 4: it keeps it. I think from being emotional, it keeps
31:55
Speaker 4: it really clear for them to be like, hey, like
31:58
Speaker 4: this is what I'm thinking, and this is the practical
32:01
Speaker 4: application of that. I think is really helpful, particularly because
32:05
Speaker 4: everybody's brain works differently, so your partner might really thrive
32:08
Speaker 4: on the numbers or they might thrive on understanding your emotions.
32:11
Speaker 4: You're kind of covering both of those bases.
32:14
Speaker 2: I think. Try to make it fun too.
32:15
Speaker 4: Like let's cook a dinner at home or have a
32:18
Speaker 4: fun dessert, or we can go out and do it
32:20
Speaker 4: at the restaurant. But if you're wanting to make it
32:23
Speaker 4: a regular thing, it can be nice to make it
32:26
Speaker 4: feel exciting in some way. And I feel like talking
32:28
Speaker 4: about budgeting and stuff often doesn't.
32:30
Speaker 2: It's not very sexy.
32:31
Speaker 3: I feel like you and Steve probably have a better
32:33
Speaker 3: approach than I do. You know what we don't, and
32:36
Speaker 3: I think that's going to surprise a lot of people.
32:38
Speaker 3: We don't do regular date nights for money anymore. I
32:42
Speaker 3: feel like we did when we were trying to save
32:45
Speaker 3: for a house, saving for our wedding, and everything was
32:48
Speaker 3: coming up, and we were trying really hard to like
32:50
Speaker 3: stay on track more towards the beginning of our relationship,
32:53
Speaker 3: we definitely did our money date nights to kind of
32:55
Speaker 3: like get on track with each other and like kind
32:58
Speaker 3: of get on the same page. And of different stuff
33:00
Speaker 3: would come up, and we were doing them maybe once
33:04
Speaker 3: every month, and we weren't going out for them or
33:06
Speaker 3: just doing them at home over dinner, but like instead
33:09
Speaker 3: of sitting on the couch, we would sit at the
33:11
Speaker 3: dining table and have our laptop open and have the
33:13
Speaker 3: budget or whatever, very serious business meeting. You know, I
33:17
Speaker 3: obviously as an advisor, loved it, but it can be
33:19
Speaker 3: quite confronting because like we're talking to each other about
33:22
Speaker 3: like what we're spending and like our values and if yeah,
33:25
Speaker 3: can it can be not that fun, let's be honest.
33:28
Speaker 3: But we definitely did them when we were like working
33:30
Speaker 3: towards bigger financial goals. And now I would say we're
33:33
Speaker 3: a little bit more financially comfortable, but we're also in
33:37
Speaker 3: a different stage. So now our finances are one hundred
33:40
Speaker 3: percent combined, like both our incomes go into an offset
33:43
Speaker 3: account to our mortgage, and then just life happens from there.
33:46
Speaker 3: Like it's not my money or his money, it's just
33:49
Speaker 3: the money that we have, and that works for us,
33:52
Speaker 3: but when we have bigger decisions coming up, we will
33:56
Speaker 3: schedule one. So like we have a holiday coming up
34:00
Speaker 3: before that, we're going to Bali. Like Steve and I
34:02
Speaker 3: used that as an excuse to go out for dinner.
34:05
Speaker 3: I was like, okay, cool, Like Mum and dad can
34:07
Speaker 3: have Harvey that night and we'll go get We're into
34:09
Speaker 3: the little tie place down the road from our house.
34:11
Speaker 3: Love and we just talked about okay, we're going to
34:13
Speaker 3: go to Bali, like how much are we willing to spend?
34:16
Speaker 2: Like how many?
34:17
Speaker 3: And it's just like a lot of logistical conversations now
34:19
Speaker 3: as opposed to being on the same page. So we
34:23
Speaker 3: were like, okay, let's like log into your Velocity account
34:26
Speaker 3: and my Velocity account because we do like the puling things.
34:28
Speaker 3: I can't see Steve's points, but he has all my points.
34:31
Speaker 3: I don't know anyway, how many points have we got?
34:33
Speaker 2: Okay, cool?
34:33
Speaker 3: Like what would that get us? Do we want to
34:35
Speaker 3: spend our points on the trap like on the flights
34:38
Speaker 3: or the accommodation. Turns out we had enough for like
34:41
Speaker 3: a little bit of like the flights and some of
34:43
Speaker 3: the accommodation. Where do we want to stay what kind
34:45
Speaker 3: of budget are we looking for? Like, I think that
34:48
Speaker 3: really helps us when bigger things are coming. You know,
34:52
Speaker 3: if we plan another baby, we'll sit down and have
34:54
Speaker 3: a big money conversation about like, well, what does that
34:57
Speaker 3: look like?
34:57
Speaker 2: What does your leave look like?
34:59
Speaker 3: But yeah, I think as time goes on, your money
35:02
Speaker 3: conversations aren't as like, Okay, we have a date night
35:06
Speaker 3: and we go through our budget every single week because
35:08
Speaker 3: that just ticks along, and we're both on the same
35:10
Speaker 3: page about that, like we don't need to have that
35:11
Speaker 3: regular date night, but when things are popping up, like
35:15
Speaker 3: I don't want to book a hotel that my husband
35:17
Speaker 3: and I haven't actually discussed, Okay, every night we want
35:20
Speaker 3: to spend this amount, like because I feel like we
35:23
Speaker 3: can easily fall into me going oh, I want to
35:26
Speaker 3: book this hotel and it's this much per night, and
35:28
Speaker 3: Steve goes, oh, yeah, no worries, that's fine.
35:31
Speaker 2: But then he's not as across our finances. I don't know.
35:33
Speaker 3: So when big things come up, we're doing it, but honestly,
35:36
Speaker 3: not that regularly because it just it's not that it
35:39
Speaker 3: doesn't work for us, but we're now kind of on
35:41
Speaker 3: the same page, and I feel like you use your
35:43
Speaker 3: date nights to get to that place, and now we're
35:45
Speaker 3: at that place.
35:46
Speaker 2: We're using them as we need them, not monthly. Amazing.
35:50
Speaker 4: Well, I've got a fun one for us to end
35:51
Speaker 4: on from Tyler who said, if you won a large
35:54
Speaker 4: amount of money tomorrow, what would your treat to yourself be?
35:57
Speaker 2: Oh my gosh, I'm sorry. Can you imagine going into
36:02
Speaker 2: your shares account and like investing a couple of hundred grand?
36:06
Speaker 2: Oh I wouldn't do it all at once. I dollar
36:08
Speaker 2: cost averaging into the market.
36:09
Speaker 3: Don't worry, guys, But can you imagine transferring a couple
36:13
Speaker 3: of hundred grand to your Shares of These account and
36:14
Speaker 3: just seeing it in your wallet able for you to invest.
36:17
Speaker 4: It's so funny that you went a couple of hundred
36:19
Speaker 4: thousand when it said if you want a large amount
36:21
Speaker 4: of money, I'm thinking I won twenty million on the lotto, like.
36:25
Speaker 2: Different winning one hundred thousand dollars heaps of money. I
36:28
Speaker 2: mean absolutely, But I just took this as you know
36:31
Speaker 2: that it's.
36:31
Speaker 3: We are still community ages ago, and if you search
36:34
Speaker 3: in our Facebook group there's a whole thread we asked
36:36
Speaker 3: you guys, what to you is a large amount of money,
36:39
Speaker 3: and it was so wild because some people were like, oh,
36:43
Speaker 3: twenty dollars, gluck, that's heaps.
36:46
Speaker 2: Some people were like twenty million, and I'm here like,
36:48
Speaker 2: I don't know that.
36:49
Speaker 3: My default was like a large amount of money, Oh,
36:51
Speaker 3: a couple of hundred grand go if I'm buying twenty
36:53
Speaker 3: million dollars.
36:54
Speaker 2: Yeah, I don't know what my treat would be. I
36:56
Speaker 2: feel like a favorite fantasy. I feel like I get.
36:59
Speaker 3: Analysis paralysis and just like freeze up a bit. Honestly,
37:03
Speaker 3: we're probably going out for dinner. Yeah, we're going to
37:05
Speaker 3: go again Steak Fritz, Jessica Gorgeou We're gonna get Steak
37:08
Speaker 3: Fritz in the sprits.
37:09
Speaker 2: Oh lovely.
37:11
Speaker 4: I feel like gonna be buying my ultimate dream house,
37:13
Speaker 4: which would be a huge house with big windows and
37:16
Speaker 4: curtains on the beach.
37:17
Speaker 2: I could on the beach on the like walk straight out. Yeah,
37:20
Speaker 2: that's loved love well.
37:21
Speaker 3: I think that is a perfect place to leave it,
37:23
Speaker 3: because this was such a fun one.
37:26
Speaker 2: If you've got a question that you would love us to.
37:28
Speaker 3: Answer, make sure that you're following us on Instagram because
37:30
Speaker 3: that's where we do all our call us for questions.
37:32
Speaker 3: Just like this and while you are there, my friends,
37:35
Speaker 3: don't forget to like, subscribe and leave us a review
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Speaker 3: if you haven't already. It helps more people find the
37:40
Speaker 3: show and join our amazing community. Guys, thanks so much
37:44
Speaker 3: for hanging out and we're gonna be lucky to see
37:46
Speaker 3: you again on Friday.
37:48
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