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The City That Never Sleeps... And Sends You Broke · 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
• 0:11
  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
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today 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.
• 0:57
  Speaker 2: Hello, and welcome to She's on the Money.
• 1:00
  Speaker 4: The podcast are millennials who want financial freedom. Welcome my friends,
• 1:04
  Speaker 4: back to another Friday episode where we celebrate you ow incredible.
• 1:08
  Speaker 4: She's on the Money community. But this week, my friends,
• 1:12
  Speaker 4: it looks a little bit different because Miss jessic Ricci
• 1:16
  Speaker 4: as always is here.
• 1:17
  Speaker 2: Hello, but Jessica, where are we We're in New.
• 1:20
  Speaker 4: York City, We actually are, and this week we are
• 1:23
  Speaker 4: joined by two friends I would say friends of the show,
• 1:26
  Speaker 4: but also She's on the Money employees who were dragged
• 1:29
  Speaker 4: on and all expenses paid trip to New York.
• 1:32
  Speaker 2: So it's a really hard life. They're really salty.
• 1:35
  Speaker 4: We have Gabby Funham and Brooke Taylor Hello. Hello, Let's
• 1:41
  Speaker 4: introduce them first, Jess, because I feel like you and
• 1:43
  Speaker 4: I are incredibly comfortable behind a mic arguably sometimes too
• 1:47
  Speaker 4: comfortable behind a microphone.
• 1:49
  Speaker 2: Gabby straight under the bus. Who are you? What do
• 1:51
  Speaker 2: you do and why are you in New York?
• 1:54
  Speaker 5: I'm Gabby, I'm.
• 1:57
  Speaker 2: Hi Gabby.
• 1:58
  Speaker 3: Welcome means the PR and marketing manager at She's on
• 2:02
  Speaker 3: the money, just moved on from v's EA, which is
• 2:05
  Speaker 3: a bit of a sad little journey, but it was
• 2:07
  Speaker 3: sad to be my eas to New York, and I'm
• 2:11
  Speaker 3: here just for the vibes, good times. I mean, we're
• 2:15
  Speaker 3: also going to a finance conference, that's mainly why we came.
• 2:19
  Speaker 3: But we also have a heap of really cool interviews
• 2:21
  Speaker 3: that are going to drop over the next couple of
• 2:23
  Speaker 3: weeks that Gabby organized entirely so exactly.
• 2:27
  Speaker 6: You guys will love them.
• 2:28
  Speaker 4: I'm really excited about it. In Brook Taylor Green, I'm
• 2:33
  Speaker 4: Brok Taylor Green. That's government name. You're welcome.
• 2:35
  Speaker 7: I do all video content, so any bad tiktoks you watch.
• 2:39
  Speaker 7: I probably made them, and I'm here because it's way
• 2:42
  Speaker 7: more fun to do a daily blog on behalf of
• 2:44
  Speaker 7: V than to have V do it herself. So I'm
• 2:47
  Speaker 7: just filming everything and anything and going to the conference.
• 2:51
  Speaker 8: Also, if you're not following us on Instagram, you absolutely
• 2:53
  Speaker 8: should be and TikTok as well, because there is so
• 2:56
  Speaker 8: much good content. We've been having so much fun with it.
• 2:58
  Speaker 8: There's lots of financed but there is also the little
• 3:01
  Speaker 8: bts moments that I feel like everybody loves. And turns out,
• 3:04
  Speaker 8: New York is really expensive, so that's been really expensive.
• 3:07
  Speaker 5: It's been a little bit gross.
• 3:09
  Speaker 2: I'm going to actually replace becks broke tips with.
• 3:11
  Speaker 6: Like why we are broken.
• 3:14
  Speaker 4: To come to America and the exchange rate is awful,
• 3:17
  Speaker 4: But yeah, I feel like it's really exciting to actually
• 3:20
  Speaker 4: be here. Finally, we've been talking about this America trip
• 3:23
  Speaker 4: four litual years. Jess and I came to the US
• 3:25
  Speaker 4: last year for the same conference, got a lot out
• 3:27
  Speaker 4: of it, and we are going again.
• 3:29
  Speaker 2: It's called fin Con for anyone who is interested.
• 3:31
  Speaker 4: If you listened last year, you knew that we were
• 3:33
  Speaker 4: there and we weren't excited about it. But it's one
• 3:35
  Speaker 4: of those things that it's kind of like a pipe dream. Guys,
• 3:37
  Speaker 4: we're recording in New York City.
• 3:39
  Speaker 2: That is wild. It's like she's on the money gone
• 3:42
  Speaker 2: gossip girl.
• 3:43
  Speaker 4: But let's move on and get some normalcy to this podcast,
• 3:47
  Speaker 4: Miss Jesse Ricci, what are your money wins of the week?
• 3:51
  Speaker 8: All right? My first money when this week came from Grace,
• 3:53
  Speaker 8: who said, my partner and I went to give the
• 3:55
  Speaker 8: car a quick powerwash at the DIY cart wash and
• 3:57
  Speaker 8: the meat still had money on it.
• 3:59
  Speaker 2: Freekarwhah.
• 4:00
  Speaker 5: She calls the money win that is.
• 4:03
  Speaker 2: Was is getting expensive.
• 4:04
  Speaker 8: I also would never leave money on the meet it,
• 4:06
  Speaker 8: Like even if I was done cleaning, I would find
• 4:08
  Speaker 8: something to clean. Like if I've put ten bucks in
• 4:10
  Speaker 8: and there's still a few dollars left, I'd be like, well,
• 4:12
  Speaker 8: I haven't cleaned it enough, like I'm gonna.
• 4:15
  Speaker 5: I would not walk away with it. No, not the
• 4:17
  Speaker 5: one that I go.
• 4:20
  Speaker 2: I just money win, I just just get it. No way.
• 4:25
  Speaker 2: I asked my dad to clean my car when I
• 4:26
  Speaker 2: go back home.
• 4:29
  Speaker 5: Absolute genius.
• 4:30
  Speaker 8: My next money comes from Kirby, who said, we went
• 4:33
  Speaker 8: out to dinner with my family and the poor waiter
• 4:35
  Speaker 8: accidentally dropped my partner's meal all over him and the floor.
• 4:38
  Speaker 8: We were more than happy to just get a replacement
• 4:40
  Speaker 8: and a few extra napkins. But the sweetheart got a
• 4:43
  Speaker 8: meal remade in record time and gave him a refund
• 4:46
  Speaker 8: for his meal and gave him a free drink, and
• 4:48
  Speaker 8: she said, bless his cotton socks.
• 4:49
  Speaker 4: That is literally the sweetest But as we have a
• 4:52
  Speaker 4: good little story, Yeah, previous waitress who tipped an entire
• 4:58
  Speaker 4: glass of red wine over someone wearing white pants once
• 5:01
  Speaker 4: way back in the day, like the mad anxiety, Like
• 5:04
  Speaker 4: in that moment, you cannot do enough to make up
• 5:07
  Speaker 4: for it, Which is funny because that's not the experience
• 5:10
  Speaker 4: Brooke Taylor Green had.
• 5:11
  Speaker 2: Is it.
• 5:11
  Speaker 1: No?
• 5:12
  Speaker 7: Recently, I was on a flight back from Thailand and
• 5:14
  Speaker 7: the air hostess walked past me and spilt an entire
• 5:17
  Speaker 7: cup of coffee, like not a little bit and a
• 5:18
  Speaker 7: tip of coffee and was like walking at full pace
• 5:21
  Speaker 7: and goes, oh sorry, and they.
• 5:22
  Speaker 6: Just did not worry and then threw a towel back
• 5:23
  Speaker 6: to me.
• 5:25
  Speaker 4: Lean it up.
• 5:26
  Speaker 6: I was worried about it. He was like, yeah, you
• 5:28
  Speaker 6: deal with this.
• 5:30
  Speaker 2: Coffee.
• 5:31
  Speaker 4: Yep, that's why we now fly United. That's fine, that's
• 5:34
  Speaker 4: absolutely fine. Just what else have you got next?
• 5:36
  Speaker 8: I have one from Chantal who says I'm learning to plant, cook,
• 5:39
  Speaker 8: and preserve a vegy garden. I spent the weekend making
• 5:41
  Speaker 8: way for some summer veggies to go in. And this
• 5:43
  Speaker 8: is what I've kicked. I suppose it's a small, continuous
• 5:46
  Speaker 8: money when as it's almost forced a way to keep
• 5:48
  Speaker 8: me active and I have to do something with what
• 5:51
  Speaker 8: I grow, akay eat it or find ways to reuse
• 5:53
  Speaker 8: the scraps. And there's a little photo.
• 5:54
  Speaker 5: We love a photo.
• 5:55
  Speaker 4: I do love a photo, albeit I do have to
• 5:58
  Speaker 4: admit that like I don't have the commitment for that.
• 6:01
  Speaker 4: And my favorite types of photos that people put in
• 6:03
  Speaker 4: the wind threads are dogs.
• 6:05
  Speaker 5: Yeah you love Yes, we love a dog.
• 6:07
  Speaker 3: I feel like I go through the phase like every
• 6:09
  Speaker 3: summer where I'm like, this year is the year I'm
• 6:11
  Speaker 3: going to do a veggie patch, and Mum comes and
• 6:13
  Speaker 3: like helps me pick all the beginner ones and then
• 6:16
  Speaker 3: I just give up and they die.
• 6:18
  Speaker 4: That's quite it's not a money win, I think, Yeah, no,
• 6:20
  Speaker 4: it's morbidly wholesome.
• 6:22
  Speaker 8: I won't get one of those veggie pod things and
• 6:24
  Speaker 8: it's funny because someone put I have another money in
• 6:26
  Speaker 8: from Jess great name, who said I bought a veggie
• 6:28
  Speaker 8: pod to start growing vegetables at home, and I got
• 6:30
  Speaker 8: sixty dollars cash back. Hopefully growing some vege continues to
• 6:33
  Speaker 8: be a money in. I've always wanted one of those
• 6:35
  Speaker 8: things because it protects them from the sun and the
• 6:37
  Speaker 8: bugs and like all that kind of stuff.
• 6:39
  Speaker 2: I have that pot I made a couple of years ago.
• 6:40
  Speaker 4: Do you remember when I went and got the worm
• 6:42
  Speaker 4: garden and put it in a really big planter, And
• 6:44
  Speaker 4: now it's so just like Gabby, they all died. They
• 6:48
  Speaker 4: all died, and I pulled them out recently and I'm
• 6:50
  Speaker 4: going to replant them and it's going to look lush
• 6:52
  Speaker 4: for approximately three months.
• 6:53
  Speaker 8: I'm excited to eat some homegrown carrots for Victoria's backyard
• 6:57
  Speaker 8: and not lu Next, I've got a money win from Brittany,
• 7:02
  Speaker 8: who said I didn't tell my employer I had finished
• 7:04
  Speaker 8: paying off my hextet and I just cashed it in
• 7:07
  Speaker 8: when I got my tax back, and I got seven
• 7:09
  Speaker 8: grand Bunny we forced savings, and I'm really happy about it.
• 7:13
  Speaker 4: Gabby was celebrating the other day because you got a
• 7:15
  Speaker 4: tax return you weren't expecting.
• 7:17
  Speaker 5: Yeah.
• 7:17
  Speaker 3: I decided to take the plunge and actually pay a
• 7:20
  Speaker 3: tax professional to do my tax this year, which was
• 7:24
  Speaker 3: had a little bit of a moral debate about it,
• 7:27
  Speaker 3: but anyway, I was just like, if I can do
• 7:31
  Speaker 3: it myself on my Gov, but MyGov told me I
• 7:34
  Speaker 3: was going to o two thy four hundred, went to
• 7:37
  Speaker 3: the taxman, got back two thy four hundred, did a
• 7:41
  Speaker 3: full switcheroo.
• 7:42
  Speaker 2: We have broken even.
• 7:43
  Speaker 3: That is a tax slay, absolutely, yes, it is so.
• 7:51
  Speaker 4: For those playing along at home when you put brook
• 7:54
  Speaker 4: Green and I in the same room. What's the word
• 7:56
  Speaker 4: that we use too much sleigh? Yeah, and Gabby does
• 7:59
  Speaker 4: not like it.
• 8:00
  Speaker 5: All the perfon WD people will be getting.
• 8:02
  Speaker 2: PTSD right now.
• 8:04
  Speaker 4: Yeah.
• 8:04
  Speaker 5: Yeah, I tried to put a sleigh limit on but
• 8:07
  Speaker 5: it's hard.
• 8:07
  Speaker 7: I actually had to stop myself because there's many moments
• 8:09
  Speaker 7: where like a money win.
• 8:10
  Speaker 8: That's a sleigh, Like you've slade replaced the sleigh with
• 8:13
  Speaker 8: the money win.
• 8:13
  Speaker 4: Yeah, but it's just okay, But they told us their
• 8:15
  Speaker 4: money win and I want to celebrate it. Slave boots
• 8:20
  Speaker 4: cuts down, all right, jess what else if you got.
• 8:25
  Speaker 8: Every money win, just know that the team thinks it's
• 8:28
  Speaker 8: a big sleigh. Lastly, I've got money Lost from Alana.
• 8:31
  Speaker 8: I think this is a very relatable one. She said,
• 8:33
  Speaker 8: money Loss Meccha holiday has dropped. The lady at the
• 8:36
  Speaker 8: register asked if I wanted them wrapped, and I said, no,
• 8:39
  Speaker 8: they're all for me.
• 8:41
  Speaker 2: I'm sorry, there's nothing wrong with that. But there's also
• 8:45
  Speaker 2: nothing wrong with that.
• 8:46
  Speaker 4: But you guys know, whenever I order from Mecca online,
• 8:48
  Speaker 4: by the way, level four, waiting for them to invite
• 8:51
  Speaker 4: me to their next level once they decide to create one.
• 8:54
  Speaker 4: But I always write to Victoria Slave Victoria, and I
• 8:58
  Speaker 4: always ask for gift wrapping and then I open it
• 9:00
  Speaker 4: because nine times out of ten this is not a
• 9:02
  Speaker 4: good thing to admit.
• 9:03
  Speaker 2: I can't remember what I put in my box.
• 9:05
  Speaker 5: I just need it yourself to.
• 9:07
  Speaker 2: Me from me.
• 9:08
  Speaker 5: Exactly true.
• 9:10
  Speaker 8: It's probably packed faster when you gift trap it because
• 9:12
  Speaker 8: it's a smaller section. I used to work in the
• 9:14
  Speaker 8: ware house.
• 9:15
  Speaker 2: Is it actually in Melbourne?
• 9:16
  Speaker 8: It's two separate at least at the Melbourn ware house
• 9:18
  Speaker 8: it's two separate divisions.
• 9:19
  Speaker 2: Oh my gosh. So if I tick normal box slash
• 9:23
  Speaker 2: not normal box.
• 9:24
  Speaker 8: It's just higher volume in normal, like they're packing like
• 9:26
  Speaker 8: their lives depend on it.
• 9:28
  Speaker 2: They do because at Tilbury very quickly, is the answer.
• 9:34
  Speaker 5: Yeah, they're brilliant. We love you, Mecca, all right.
• 9:35
  Speaker 4: So unfortunately beck did not come to fing On with
• 9:39
  Speaker 4: us this year.
• 9:40
  Speaker 5: We've got other work to do it home, which is fair.
• 9:41
  Speaker 4: Yeah, it's fair like she works for iHeart, not for
• 9:44
  Speaker 4: Victoria Divine, which is quite sad.
• 9:46
  Speaker 2: I mean, you guys are probably quite envious.
• 9:48
  Speaker 6: But that's okay.
• 9:49
  Speaker 4: But I decided this week instead of doing becks broke tips,
• 9:52
  Speaker 4: we're going to do She's on the money, is what's
• 9:54
  Speaker 4: making you broke this week?
• 9:54
  Speaker 2: In New York City.
• 9:56
  Speaker 4: Yes, the other day, I think you're going to talk
• 9:59
  Speaker 4: about your are a sau refreshers that you're obsessed with.
• 10:03
  Speaker 4: You had a conniption at the dining table when you
• 10:05
  Speaker 4: realized what that.
• 10:07
  Speaker 8: I hadn't been taking into account and con To be honest,
• 10:09
  Speaker 8: I hadn't even asked them how much they were. I
• 10:10
  Speaker 8: just remember that I loved these last year. I came
• 10:13
  Speaker 8: in and I was like, tappy, tap tap, terrible habit,
• 10:15
  Speaker 8: don't do it, tapping away. And then I was just
• 10:18
  Speaker 8: checking my bank account to see where we were at
• 10:20
  Speaker 8: and I was like, oh my god, I'm paying twelve
• 10:23
  Speaker 8: dollars fifty.
• 10:23
  Speaker 4: Your drinks had a little more down and you don't
• 10:26
  Speaker 4: even get the big one. I did you just get
• 10:27
  Speaker 4: like the grande, which is really.
• 10:29
  Speaker 5: The size of like the medium.
• 10:31
  Speaker 8: Yeah.
• 10:31
  Speaker 5: Medium?
• 10:31
  Speaker 8: At home, I would say, yeah, I couldn't believe it.
• 10:34
  Speaker 8: I was very sad about it with money. When Victoria
• 10:35
  Speaker 8: bought mine this morning.
• 10:36
  Speaker 2: For me, yeah, because I felt bad.
• 10:38
  Speaker 6: She was like, I'm not going to get one.
• 10:39
  Speaker 2: Yeah, because it was like which makes sense?
• 10:42
  Speaker 4: And I was like, well, you deserve this strawberry esau
• 10:45
  Speaker 4: refresher from Starbucks.
• 10:46
  Speaker 5: You do, and you don't have coffee, so I feel
• 10:49
  Speaker 5: like you need.
• 10:49
  Speaker 2: To yourself and she always deserves it.
• 10:52
  Speaker 8: Yeah, if you don't drink coffee, the refreshers have caffeine
• 10:55
  Speaker 8: in them. They're delicious. They taste like juice.
• 10:56
  Speaker 4: Oh ten out of ten, Gabby, what have you learned
• 10:59
  Speaker 4: about money being in New York City?
• 11:01
  Speaker 3: Oh? I just think the massive, like the tax on
• 11:04
  Speaker 3: top of what you're buying, it is the biggest. Like
• 11:07
  Speaker 3: went to Sephora bought a lip bum and a lip
• 11:10
  Speaker 3: gloss and it cost me like eighty five dollars Australian
• 11:14
  Speaker 3: because you.
• 11:15
  Speaker 2: Get tax on that.
• 11:17
  Speaker 6: Yeah, think about it in the shops.
• 11:19
  Speaker 2: I was like, I mean, do not check.
• 11:24
  Speaker 3: But then you know, when you buy it in USD
• 11:26
  Speaker 3: you're like, oh, it's it's fine.
• 11:29
  Speaker 5: But yeah made me cry a little, but that was fine.
• 11:32
  Speaker 4: It's not because the exchange rates are dollars sixty approximately
• 11:35
  Speaker 4: in my.
• 11:35
  Speaker 5: Yeah, I have another good one that Uber eats. The
• 11:37
  Speaker 5: other night.
• 11:38
  Speaker 8: Uber eats popcorn and two cokes because we did a
• 11:40
  Speaker 8: wholesome little movie night in and you breached two cokes
• 11:43
  Speaker 8: and they looked, you know, you pay a little bit
• 11:45
  Speaker 8: more on in Uber. It's it's fine. You expect it
• 11:47
  Speaker 8: from like not far away at all. And it was
• 11:51
  Speaker 8: like thirty eight dollars between the conversion, the tax, the service,
• 11:54
  Speaker 8: the delivery, Like.
• 11:57
  Speaker 5: And I can't wrap my brain.
• 11:59
  Speaker 8: I have never been more thankful that Australian just keep
• 12:01
  Speaker 8: it so simple, I know.
• 12:03
  Speaker 2: But then you.
• 12:03
  Speaker 7: Feel bad for not tipping, yeah, and like the onus
• 12:06
  Speaker 7: is on you, so you could tip ten percent, but
• 12:08
  Speaker 7: then you look like a bad person and then you like,
• 12:10
  Speaker 7: I'm basically saying to them, oh, I don't think you
• 12:11
  Speaker 7: did a good job, but they did do a good job.
• 12:13
  Speaker 6: So you've got to give them the twenty percent.
• 12:14
  Speaker 5: But twenty percent on anything you buy so much money.
• 12:16
  Speaker 4: It's a lot of money if you've got But that's
• 12:18
  Speaker 4: what I've been putting because I'm an anxious girl and
• 12:20
  Speaker 4: I don't want to think that I'm not kind. Yeah,
• 12:22
  Speaker 4: like I'm not going to go to a restaurant and
• 12:24
  Speaker 4: be super nice to you, Gabby, and they'd be like,
• 12:26
  Speaker 4: you are not worth a.
• 12:27
  Speaker 5: Tip ill and twenty percent standard.
• 12:29
  Speaker 6: So if you really like them, you should be giving, yeah,
• 12:31
  Speaker 6: like twenty five. But it'd you have like one hundred
• 12:33
  Speaker 6: dollars lunch.
• 12:34
  Speaker 7: Then that's very bad at math soot a one hundred
• 12:38
  Speaker 7: dollar lunch.
• 12:39
  Speaker 4: Actually, we the other night, we got in quite late
• 12:42
  Speaker 4: from our plane we arrived from Australia. We got to
• 12:45
  Speaker 4: our airbnb, we set up, and then we ordered Chick
• 12:47
  Speaker 4: fil A.
• 12:48
  Speaker 2: I have not shared with you how much this cost.
• 12:51
  Speaker 4: Soh No, Taylor Green has been running out how much
• 12:54
  Speaker 4: does it cost?
• 12:54
  Speaker 2: And I thought I just bring it up on the show.
• 12:56
  Speaker 4: Okay, So how much did our Chick fil A order
• 13:01
  Speaker 4: the other day cost? Everybody got chicken tenders, you got
• 13:05
  Speaker 4: a side of chips, and you all got a standard
• 13:08
  Speaker 4: sized drink nothing exciting on the side, and we did
• 13:11
  Speaker 4: out on like a couple of sauces.
• 13:13
  Speaker 6: Here in the sauces are included in the cost of
• 13:15
  Speaker 6: the okay.
• 13:16
  Speaker 4: Yeap, oh no, I think I got it weird, Yeah,
• 13:19
  Speaker 4: you need like I need fifty CHICKI a.
• 13:23
  Speaker 5: Lucky We removed that.
• 13:26
  Speaker 4: How much did that cost delivered? It was on uber
• 13:30
  Speaker 4: It's I'm going one hundred and twenty. I'm trying to
• 13:33
  Speaker 4: do the math mentally in my head and figure it out.
• 13:35
  Speaker 2: No, you cheat by doing the.
• 13:38
  Speaker 7: You gotta say quickly, fast and loose baby, fast and
• 13:40
  Speaker 7: loose eighty five dollars.
• 13:41
  Speaker 4: It was about one hundred dollars USD, which converts to
• 13:45
  Speaker 4: one hundred and sixty dollars takeaway?
• 13:47
  Speaker 5: Doesn't that makes me want to cry?
• 13:49
  Speaker 8: But how.
• 13:55
  Speaker 6: Pay for it? So sorry?
• 13:57
  Speaker 7: But I love the holy money in that was actually
• 14:00
  Speaker 7: a money for us six We saved ourselves like thirty
• 14:02
  Speaker 7: dollars each.
• 14:03
  Speaker 9: Yeah.
• 14:03
  Speaker 4: But then on top of that, I had to tip,
• 14:05
  Speaker 4: and obviously taxes were added to that. But I had
• 14:08
  Speaker 4: to tip, and I was really worried that if I
• 14:10
  Speaker 4: didn't tip enough, they wouldn't bring my food very quickly
• 14:13
  Speaker 4: and it would be cold.
• 14:14
  Speaker 2: So I don't know this.
• 14:16
  Speaker 4: This economy makes me incredibly anxious, stressful.
• 14:20
  Speaker 7: It is because all the onus is on you, like
• 14:22
  Speaker 7: you are a part of the process. Where ITAs in
• 14:23
  Speaker 7: Australia you go to macas ten dollars.
• 14:25
  Speaker 6: Yep, done, thanks bye, I have ten dices ten dollars.
• 14:27
  Speaker 2: It is what is on the label.
• 14:29
  Speaker 7: Yeah, and then here you get a service charge, you
• 14:30
  Speaker 7: get a tip and then it's like a is there
• 14:32
  Speaker 7: anything more o?
• 14:34
  Speaker 1: Yeah?
• 14:34
  Speaker 6: And the taxes taxes.
• 14:36
  Speaker 4: On topic, Broke, what have you learned about money while
• 14:39
  Speaker 4: being in the Big USA?
• 14:40
  Speaker 7: Accommodation in America is really expensive, like anywhere you go
• 14:43
  Speaker 7: like hotels, like even like a dodgy motel, throwing a
• 14:46
  Speaker 7: few dollars a night, which in Australia like a motail
• 14:49
  Speaker 7: you can get like a fifty dollar dodgy motel.
• 14:50
  Speaker 4: We're not staying in dodgy motels, Broke, No, no, I know,
• 14:53
  Speaker 4: but like.
• 14:54
  Speaker 6: Even I was.
• 14:54
  Speaker 7: I recently was in like Lake Tahoe and it's like
• 14:57
  Speaker 7: middle of it's not the correct season to go in.
• 15:00
  Speaker 7: The dingiest place ever was three hundred and seventy dollars
• 15:03
  Speaker 7: a night and it was like there was not even
• 15:05
  Speaker 7: a fridge.
• 15:05
  Speaker 6: There was not even we didn't have any like it's
• 15:09
  Speaker 6: just expensive. Everything's expensive.
• 15:11
  Speaker 4: Do you know what Jess doesn't like about the US
• 15:13
  Speaker 4: actually because talking about they didn't even have a.
• 15:17
  Speaker 2: They don't have kettles here.
• 15:19
  Speaker 8: It's so so somebody, my friend is studying here and
• 15:22
  Speaker 8: she said that they they're making like a tea. They
• 15:24
  Speaker 8: put it in the microwave.
• 15:25
  Speaker 2: No, no, they don't.
• 15:26
  Speaker 6: The water flow. That's why.
• 15:30
  Speaker 8: Yeah, last year, Victory had to buy me a kettle
• 15:32
  Speaker 8: for her whole room so I could fill up my
• 15:34
  Speaker 8: hot water.
• 15:34
  Speaker 6: Did you bring it this time?
• 15:36
  Speaker 5: Because it was we left it in the US because
• 15:37
  Speaker 5: it was a full kettle.
• 15:38
  Speaker 2: It was a full kettle.
• 15:41
  Speaker 4: This woman had a full conniption that she could not
• 15:44
  Speaker 4: put water in her hot water bottle. And you could
• 15:46
  Speaker 4: see her having an internal meltdown. Wasn't external thesels around.
• 15:52
  Speaker 9: She was just trying to keep it together in front
• 15:54
  Speaker 9: of me, and she was like, it's fine, it's fine,
• 15:55
  Speaker 9: it doesn't matter, it doesn't matter. And you know when
• 15:57
  Speaker 9: someone's just like talking to themselves at the same point, saying,
• 16:00
  Speaker 9: so we made a late night dash to Walmart, which
• 16:02
  Speaker 9: is terrifying. By the way, why do you sell groceries, clothes, shoes,
• 16:06
  Speaker 9: and guns in the same location.
• 16:10
  Speaker 6: Shops.
• 16:12
  Speaker 2: But anyway, we.
• 16:13
  Speaker 4: Asked, didn't we jest? We asked for a kettle. The
• 16:15
  Speaker 4: guy looked at us like we were on crack.
• 16:17
  Speaker 5: I didn't even know what it was.
• 16:18
  Speaker 2: He was like, what's a kettle?
• 16:19
  Speaker 4: And we were like, you know, you put boiling water
• 16:21
  Speaker 4: in there, and he did not understand. That's fine. We
• 16:25
  Speaker 4: did find one kettle in the whole store. It was
• 16:27
  Speaker 4: really expensive if we had to buy it because j
• 16:30
  Speaker 4: wasn't going to sleep, and then we something different. No,
• 16:32
  Speaker 4: it's literally called an electric kettle.
• 16:34
  Speaker 2: They care about the.
• 16:37
  Speaker 8: Commodity and the electric one as well, because sometimes like
• 16:42
  Speaker 8: our Airbnb has one you put on the burner, but
• 16:45
  Speaker 8: most people at home wouldn't use one on the.
• 16:46
  Speaker 4: Burner's because the people the Westeak now it's house is
• 16:50
  Speaker 4: really fancy, so of course they have a very esthetic.
• 16:53
  Speaker 2: Copper like style kettle.
• 16:55
  Speaker 5: Gorgeous.
• 16:56
  Speaker 2: I would almost bet that they don't drink tea.
• 16:58
  Speaker 4: I feel like that's not very it's lovely.
• 17:01
  Speaker 6: I had a little look.
• 17:03
  Speaker 2: You're went through all their stuff for his snowy.
• 17:08
  Speaker 4: All right, no worries, Let's go to a really quick
• 17:10
  Speaker 4: break on the flip side, I want to talk to
• 17:12
  Speaker 4: you guys about a money dilemma. This week we're talking
• 17:14
  Speaker 4: about micro investing, and then we're also going to be
• 17:16
  Speaker 4: answering a juicy money question that you slid into our
• 17:19
  Speaker 4: dms about which this week we're talking about splitting finances
• 17:22
  Speaker 4: in a relationship before having children.
• 17:25
  Speaker 2: Don't go anywhere, guys, Welcome back everybody.
• 17:32
  Speaker 5: Let's take a listen to this week's money dilemma.
• 17:36
  Speaker 4: Hi.
• 17:36
  Speaker 6: There, have you got.
• 17:37
  Speaker 10: A money dilemma you just can't solve? The Sheese on
• 17:40
  Speaker 10: the Money Team is here to help. Every week we
• 17:43
  Speaker 10: tackle your dilemmas, both big and small, to answer your
• 17:45
  Speaker 10: most burning money.
• 17:47
  Speaker 2: Career and life questions.
• 17:48
  Speaker 10: To get involved, simply head to our website and leave
• 17:51
  Speaker 10: us a short voice recording and you might just find
• 17:53
  Speaker 10: yourself on the show. Now, let's take a listen to
• 17:56
  Speaker 10: this week's money dilemma.
• 18:01
  Speaker 11: Hi, She's on the Money Team. So I'm currently wanting
• 18:04
  Speaker 11: to start micro investing about twenty dollars a week. And
• 18:07
  Speaker 11: I've also heard a lot about the roundup feature on
• 18:11
  Speaker 11: the different apps, which sounds a lot of fun. It's
• 18:15
  Speaker 11: just very confusing with all the apps out there and
• 18:18
  Speaker 11: the monthly plans that are pretty high in fees at
• 18:21
  Speaker 11: the end of the day. So yeah, just wanting some
• 18:23
  Speaker 11: advice on this and how to make sure that with
• 18:25
  Speaker 11: such a small amount of money invested every week, I
• 18:29
  Speaker 11: don't end up paying a lot in fees, Like how
• 18:32
  Speaker 11: how much are we looking at? Percentage wise? If you
• 18:36
  Speaker 11: girls could clarify that, I would be amazing. Thank you
• 18:39
  Speaker 11: so much.
• 18:40
  Speaker 5: So obviously we cannot give you personal advice.
• 18:42
  Speaker 2: We can talk about the functionality of different products.
• 18:45
  Speaker 8: Absolutely, I can talk about my experience, right like that's.
• 18:48
  Speaker 2: Not yeah, totally no, no, no, what do you do? Tell us?
• 18:50
  Speaker 8: So I use Sharesy, and you guys know that they're
• 18:53
  Speaker 8: a friend of the show. But I like them because
• 18:55
  Speaker 8: I started off.
• 18:56
  Speaker 5: Micro investing before I started.
• 18:58
  Speaker 8: Investing larger amounts, and they have the roundups feature, which
• 19:02
  Speaker 8: I really like. They have the ability for you to
• 19:04
  Speaker 8: buy shares in the US Stock Exchange, which is something
• 19:06
  Speaker 8: else that I really like, even though they are a
• 19:09
  Speaker 8: platform that allows you to invest in very small amounts
• 19:12
  Speaker 8: from as little as consent.
• 19:13
  Speaker 4: So relevant for this episode, Jessica Ici, because what did
• 19:16
  Speaker 4: we do right before coming to the iHeart Studios to
• 19:19
  Speaker 4: record this.
• 19:19
  Speaker 5: We touched the ball.
• 19:20
  Speaker 8: Where do we do it?
• 19:22
  Speaker 2: Wall Street? I'm officially a Wall Street girlie.
• 19:27
  Speaker 4: I stood in front of the Wall Street Oh sorry,
• 19:29
  Speaker 4: I stood in front of the American Stock Exchange for
• 19:31
  Speaker 4: a good five minutes staring at it before. Gabby was like,
• 19:34
  Speaker 4: we have places to be and I was like, do
• 19:36
  Speaker 4: not realize how iconic this moment is for me?
• 19:38
  Speaker 2: Stop it? And she was just like, we've got to go,
• 19:40
  Speaker 2: Like we're on a timeline.
• 19:41
  Speaker 3: I'm like, I don't run a tight shitt for me, Gabby.
• 19:47
  Speaker 5: I was trying, but I.
• 19:48
  Speaker 3: Was like, all right, we got like two minutes, and
• 19:50
  Speaker 3: then when VCS we're running ahead of schedule.
• 19:52
  Speaker 5: She's like, this is great, Like we'll just go get
• 19:54
  Speaker 5: a coffee and I'm like, oh, but that will put
• 19:56
  Speaker 5: us behind again. Let's to keep going.
• 20:00
  Speaker 2: Fectory as well. Do you just live in it?
• 20:01
  Speaker 6: Yeah, that's true.
• 20:03
  Speaker 2: Sorry, sorry, sorry back contrack.
• 20:04
  Speaker 6: Just che contract.
• 20:05
  Speaker 8: I think you definitely need to look at different platforms.
• 20:07
  Speaker 8: I like the fact that on Chairsy's there's a few
• 20:09
  Speaker 8: different options. You can pay like a monthly subscription that
• 20:12
  Speaker 8: kind of covers those fees, or you can pay as
• 20:14
  Speaker 8: you go, But all of the platforms have different percentages,
• 20:16
  Speaker 8: which is why it is so important to your own
• 20:18
  Speaker 8: research and why we are so quick to say there's
• 20:22
  Speaker 8: no one platform for everybody. So have a look around,
• 20:25
  Speaker 8: have a look at the features you want, because not
• 20:26
  Speaker 8: all of the platforms have those fun features. So we've round
• 20:28
  Speaker 8: up to something that's important to you. Make sure that
• 20:30
  Speaker 8: that's available on whatever you want to use. But yeah,
• 20:33
  Speaker 8: it's going to very place to place, and it really
• 20:35
  Speaker 8: depends on if you want an easy to use app.
• 20:37
  Speaker 5: Or if you want something really fancy.
• 20:39
  Speaker 8: Because you want something fancy, chare Y's is very simple,
• 20:41
  Speaker 8: which is why I chose it when I was starting out,
• 20:43
  Speaker 8: Whereas if you want heaps of reports and big fancy things,
• 20:47
  Speaker 8: I'm not one of those girlies.
• 20:48
  Speaker 2: I might just keep going for both.
• 20:49
  Speaker 4: So, as you guys know, I do invest on chair zas,
• 20:52
  Speaker 4: but I also do love a little bit more of
• 20:54
  Speaker 4: a complex platform sometimes just because I like the research
• 20:57
  Speaker 4: and the insights.
• 20:58
  Speaker 2: But she did specifically men micro.
• 21:01
  Speaker 4: Investing, which I think is worth talking about because you
• 21:05
  Speaker 4: technically micro invest Jess on the Chaza's platform, So you
• 21:09
  Speaker 4: are taking small amounts of money and investing them with
• 21:12
  Speaker 4: shares's right, and you use the roundup feature, and it
• 21:15
  Speaker 4: all makes sense that feature is also on platforms like
• 21:20
  Speaker 4: Rays and like Spaceship, which are incredibly popular within our community. However,
• 21:26
  Speaker 4: those are more i would say true micro investing platforms
• 21:30
  Speaker 4: where Jess, you got to pick your ETF that you're
• 21:32
  Speaker 4: investing into. You have a lot more control over your portfolio,
• 21:36
  Speaker 4: and it's still just as accessible as the quote micro
• 21:40
  Speaker 4: investing apps. But I think I've said it before, I
• 21:43
  Speaker 4: love micro investing app. It's like the gate raad drug
• 21:45
  Speaker 4: of investing because you don't feel overwhelmed when you start right,
• 21:50
  Speaker 4: Like you can just do a few dollars here and there,
• 21:51
  Speaker 4: you can download the app. It's all really shiny and easy. However,
• 21:55
  Speaker 4: once you get to a solid amount of money, you
• 21:58
  Speaker 4: find that most people want to see down their micro
• 22:01
  Speaker 4: investing app and go over to a quote real investing
• 22:04
  Speaker 4: app to have a bit more control because that is
• 22:07
  Speaker 4: going to take you all the way through to retirement.
• 22:09
  Speaker 4: So if I use you as an example, which I'm
• 22:11
  Speaker 4: really glad I have you to use this example of
• 22:14
  Speaker 4: you're not going to need to leave Shares's for your
• 22:16
  Speaker 4: entire life, Like if you decided right, Shares's is it.
• 22:20
  Speaker 4: I've picked my two ETFs only, No, you've got two
• 22:22
  Speaker 4: because I look at your portfolio two, so Perby.
• 22:26
  Speaker 2: I'm like, what what you got, Gabby, what's in there?
• 22:28
  Speaker 2: Show me?
• 22:29
  Speaker 4: But I think it's important to understand that a Shares's
• 22:33
  Speaker 4: platform is a little bit more scalable, whereas something like
• 22:36
  Speaker 4: a micro investing platform that to me is dipping your
• 22:40
  Speaker 4: toes in the water and getting a little bit comfortable
• 22:44
  Speaker 4: with it, and you might progress to a bigger platform.
• 22:47
  Speaker 4: The fees should be relatively comparable in saying that you
• 22:51
  Speaker 4: are always going to be paying more fees on lower
• 22:54
  Speaker 4: amounts because the same transactions have to occur on a
• 22:57
  Speaker 4: dollar versus one thousand dollars. Right, You've got your brokerage,
• 23:01
  Speaker 4: you have transaction fees, you might have app or administration fees,
• 23:04
  Speaker 4: and all of those things are reasonable. That's why it's
• 23:07
  Speaker 4: probably worth jumping into our Facebook community and understanding what
• 23:11
  Speaker 4: are other people in our community using?
• 23:13
  Speaker 2: What apps? Could I look at?
• 23:14
  Speaker 4: Have a look at our investing guide that's on our website,
• 23:16
  Speaker 4: go back to our investing series that we did on
• 23:19
  Speaker 4: the podcast a couple of months or even probably a
• 23:21
  Speaker 4: year ago. With shares these I think those things are
• 23:24
  Speaker 4: really important to understand, because if you want to start small,
• 23:28
  Speaker 4: you don't necessarily just have to go for micro investing
• 23:30
  Speaker 4: platforms anymore. But be aware that the fees at the
• 23:34
  Speaker 4: very start are going to feel in percentage terms, a
• 23:37
  Speaker 4: lot higher. But for me, that's an investment into your
• 23:40
  Speaker 4: financial literacy, because even if you're paying two dollars fifty
• 23:44
  Speaker 4: a month and you're investing ten dollars that twenty five percent.
• 23:48
  Speaker 2: That's a lot.
• 23:49
  Speaker 4: But look what you're learning, Look what's compounding, Look where
• 23:51
  Speaker 4: the growth is coming from, not just necessarily in terms
• 23:54
  Speaker 4: of making money, but in terms of your growth mindset
• 23:57
  Speaker 4: and putting you know yourself first. So when money starts
• 24:00
  Speaker 4: to compound, you're in the best possible position, and you
• 24:04
  Speaker 4: kind of have to start there. But once you get
• 24:06
  Speaker 4: to having a bigger portfolio, like I know you do, Gabby,
• 24:09
  Speaker 4: and I know you do, Jess, and I'm pretty sure
• 24:12
  Speaker 4: you do too, Brook, because you're like a little investing queen.
• 24:15
  Speaker 2: You you're a bit of an investing bro.
• 24:16
  Speaker 4: Though I do I don't want to talk to her
• 24:18
  Speaker 4: on the podcast about what she invests in because she
• 24:20
  Speaker 4: consistently offends me.
• 24:22
  Speaker 7: However, I don't I have no money in crypto you
• 24:26
  Speaker 7: said the other day.
• 24:29
  Speaker 5: I didn't pick up on that.
• 24:30
  Speaker 2: I thought you were serious portfolio. Say how did you
• 24:35
  Speaker 2: pick your portfolio? Side note?
• 24:37
  Speaker 7: I went through due diligence, like I went on many
• 24:40
  Speaker 7: a Reddit for I'm a lover of Reddit. Oh yeah,
• 24:43
  Speaker 7: Reddit reliable, because I want to see what everyone else
• 24:45
  Speaker 7: is investing in.
• 24:46
  Speaker 6: And then I actually did like weeks of research.
• 24:48
  Speaker 7: I googled every like diversified fine ETF because I knew
• 24:52
  Speaker 7: that was the best way to go. Yes, and then
• 24:53
  Speaker 7: I went through and clarified what I wanted, and then
• 24:56
  Speaker 7: I diversified again because I was panicked.
• 24:58
  Speaker 6: I don't want to be I love this.
• 25:00
  Speaker 4: That was a very cheese on the money answer. Thanks, Yeah, yeah, yeah,
• 25:02
  Speaker 4: I like it. And I know that Jess and Gabby are
• 25:04
  Speaker 4: the same. But once you have those bigger portfolios, you're
• 25:08
  Speaker 4: aiming for about one percent in fees, Like anything under
• 25:11
  Speaker 4: one percent, sleigh, anything above one percent, you kind of go,
• 25:14
  Speaker 4: what could I be doing differently? Is that the platform
• 25:17
  Speaker 4: is that the ETF. You also have to be very
• 25:19
  Speaker 4: aware that an ETF is going to have fees and
• 25:21
  Speaker 4: the platform is going to have fees, So there are
• 25:23
  Speaker 4: going to be fees coming from two places, and you
• 25:26
  Speaker 4: need to consider that.
• 25:27
  Speaker 2: That is not me warning you, oh my gosh, their fees,
• 25:29
  Speaker 2: don't do it.
• 25:30
  Speaker 4: Just be clear on what it is, because obviously from
• 25:34
  Speaker 4: little things, big things grow. You've heard this said a
• 25:37
  Speaker 4: million times on the podcast.
• 25:38
  Speaker 2: But I do.
• 25:39
  Speaker 4: Genuinely believe that it's an investment into your education. And
• 25:43
  Speaker 4: if you start worrying about fees really really early, like
• 25:47
  Speaker 4: I said in my very first book, if you pay peanuts,
• 25:50
  Speaker 4: you're going to get monkeys. So you want to be
• 25:53
  Speaker 4: investing in something that makes sense for you, that is scalable,
• 25:56
  Speaker 4: not necessarily going what's the cheapest option.
• 25:59
  Speaker 5: Yeah, definitely.
• 26:00
  Speaker 3: I think for me, like personally, I'm still in a
• 26:02
  Speaker 3: very beginner phase of my investing journey and I would
• 26:07
  Speaker 3: still consider myself micro investing.
• 26:09
  Speaker 4: How are you doing that? Do you have a micro
• 26:11
  Speaker 4: investing platform on race space?
• 26:13
  Speaker 3: She shares E is, And I'm just investing small amounts
• 26:16
  Speaker 3: monthly from my pay which obviously a dollar doesn't stretch
• 26:20
  Speaker 3: as far as it did.
• 26:21
  Speaker 2: A year ago, not in America at least, no.
• 26:25
  Speaker 3: But like you, sav, I have found like just wrapping
• 26:29
  Speaker 3: my head around the statements and.
• 26:32
  Speaker 5: All of that really really helpful.
• 26:34
  Speaker 3: And I think like you say the education you get
• 26:36
  Speaker 3: from doing it is really really important, and even though
• 26:39
  Speaker 3: you don't see massive returns at one point, and I'm
• 26:42
  Speaker 3: as page as like as it gets with investing, I'm
• 26:45
  Speaker 3: just in ETFs, the boring ETFs actually really that I
• 26:49
  Speaker 3: did know that. Yeah, so I think that I'm a
• 26:51
  Speaker 3: very basic investor. But I do think the education I'm
• 26:54
  Speaker 3: getting from that is really really good. And I didn't
• 26:57
  Speaker 3: know the one percent things. So I'm happy I'm sitting
• 26:58
  Speaker 3: here and about where my fee should be going.
• 27:02
  Speaker 2: Yeah, hold on, sleigh, sleigh A, we gotta stay out
• 27:06
  Speaker 2: of her alright.
• 27:08
  Speaker 4: I feel answers the question that is a ten out
• 27:10
  Speaker 4: of ten. So we have a very spicy DM that
• 27:14
  Speaker 4: I'm excited to get two new opinions on, mister scree,
• 27:17
  Speaker 4: Are you ready to hear it? So here's the DM. Hi,
• 27:20
  Speaker 4: she's on the money team. Could I please get your advice.
• 27:24
  Speaker 4: I've been with my fiance for five years and we
• 27:26
  Speaker 4: are starting to talk about having a family. We both
• 27:29
  Speaker 4: earn one hundred and ten thousand dollars a year, but
• 27:31
  Speaker 4: I have less outgoings and also receive bonuses. My issue
• 27:36
  Speaker 4: is at current I do a majority of the cooking
• 27:38
  Speaker 4: the cleaning, the groceries, et cetera. But I also contribute
• 27:42
  Speaker 4: more financially.
• 27:43
  Speaker 2: I see where this is going.
• 27:45
  Speaker 4: We split rent fifty to fifty, but I often pay
• 27:47
  Speaker 4: for groceries, utilities, date nights. And when I bring it
• 27:50
  Speaker 4: up that I'm paying for a lot of our lifestyle,
• 27:52
  Speaker 4: my fiance doesn't agree and it becomes really awkward, so
• 27:55
  Speaker 4: I just drop it.
• 27:56
  Speaker 2: Now that he's.
• 27:57
  Speaker 4: Wanting to discuss planning for kids, I really want to
• 28:00
  Speaker 4: be firm that unless he can cover all of our
• 28:02
  Speaker 4: bills with his wage, I will not be having children.
• 28:06
  Speaker 4: I don't think it's fair that I do all of
• 28:07
  Speaker 4: the extra work and still contribute heavily to bills. He
• 28:11
  Speaker 4: says he is going to do as much childcare and
• 28:14
  Speaker 4: housework as me, but based on the last three years,
• 28:17
  Speaker 4: that just isn't true.
• 28:18
  Speaker 2: And I'm starting to feel resentful. Please send help.
• 28:23
  Speaker 5: I feel I don't know.
• 28:29
  Speaker 1: No.
• 28:30
  Speaker 4: I really want their opinions first, Jessica, because they're not say.
• 28:33
  Speaker 5: You guys, I'm ready. I think I'll start with.
• 28:37
  Speaker 3: Mean.
• 28:39
  Speaker 2: Yours is going to be mean?
• 28:40
  Speaker 6: Is it's most to be honest?
• 28:42
  Speaker 5: You're gonna have a blunt delivery.
• 28:44
  Speaker 3: No, I can't empathize with this situation that much because
• 28:47
  Speaker 3: I don't have a partner. I've never lived with a partner,
• 28:49
  Speaker 3: but I can imagine that would be very frustrating if
• 28:52
  Speaker 3: I was living with a man who wasn't really pulling
• 28:56
  Speaker 3: his weight and I was contributing more financially and just
• 29:00
  Speaker 3: to everything around.
• 29:01
  Speaker 5: I think we're going to have just a unanimous decision here.
• 29:04
  Speaker 2: I know where this is going.
• 29:06
  Speaker 3: Like, I think it's very fair to not want to
• 29:08
  Speaker 3: have children with someone who clearly isn't aligning with you
• 29:12
  Speaker 3: in that space.
• 29:13
  Speaker 5: And I just feel bad for her because that's.
• 29:15
  Speaker 3: Very frustrating, especially when she's trying to communicate that to him,
• 29:19
  Speaker 3: and it might be like talking to a bit of
• 29:21
  Speaker 3: a brick.
• 29:21
  Speaker 6: Wall, yep.
• 29:22
  Speaker 7: And she's saying that she doesn't want to have kids
• 29:24
  Speaker 7: with them if he don't want to do all these things,
• 29:25
  Speaker 7: but she already has a child.
• 29:28
  Speaker 6: Them Financially she's doing is cooking and cleaning, like she
• 29:30
  Speaker 6: already has a child.
• 29:32
  Speaker 7: Like if your partner is not stepping up now, he's
• 29:34
  Speaker 7: not going to step up then because it's harder than
• 29:36
  Speaker 7: you're going to be on less sleep. So it either
• 29:38
  Speaker 7: there needs to be something that gives like she can't
• 29:41
  Speaker 7: do everything, She's not wonder woman.
• 29:42
  Speaker 8: I think it depends on how important having children is
• 29:45
  Speaker 8: to as well, because if it's something that you're desperate for,
• 29:48
  Speaker 8: then it's it's not going to work. But if you're
• 29:49
  Speaker 8: kind of like, oh, like, I don't mind, like my
• 29:51
  Speaker 8: lifestyle now, I'm happy with it obviously, Like I think
• 29:55
  Speaker 8: that you should get to a place where you feel
• 29:57
  Speaker 8: satisfied with the amount that he's contributing. And I think
• 29:59
  Speaker 8: that we need to remember that the household chores are
• 30:02
  Speaker 8: a mental load. Being a stay at home parent or
• 30:05
  Speaker 8: a stay at home partner is a full time job
• 30:07
  Speaker 8: in and of itself. Running a household is a job.
• 30:09
  Speaker 8: If one person is doing all of that labor and
• 30:11
  Speaker 8: contributing more financially, that's a lot for anybody.
• 30:14
  Speaker 2: I think I would agree.
• 30:16
  Speaker 4: I feel like I have to play diplomat here though,
• 30:19
  Speaker 4: and put on the table that we need to have
• 30:21
  Speaker 4: some conversations about this.
• 30:22
  Speaker 5: So let's be honest to be a diplomatic.
• 30:25
  Speaker 4: Yeah, Like I mean, to me, it's a red flag
• 30:27
  Speaker 4: if you're saying I don't want to have kids with
• 30:28
  Speaker 4: this man, because I have been in that situation before,
• 30:31
  Speaker 4: not with my husband, because to be honest, I think
• 30:33
  Speaker 4: my husband is the best thing that's ever happened in you.
• 30:35
  Speaker 5: I don't have kids with your husband would be a
• 30:37
  Speaker 5: bit too late.
• 30:39
  Speaker 2: He is a bit too late, give me three months.
• 30:43
  Speaker 4: But it's one of those things where that was what
• 30:46
  Speaker 4: I was looking for in a partner. I was quite
• 30:48
  Speaker 4: clear that I wanted someone who was exactly on the
• 30:51
  Speaker 4: same page as me when it came to just life
• 30:54
  Speaker 4: and how you divide up tasks and what you do
• 30:56
  Speaker 4: and what that looks like. And I feel really grateful
• 30:59
  Speaker 4: for that. But that was very intentional. It's not an
• 31:01
  Speaker 4: accident that my husband is good at those things. I
• 31:04
  Speaker 4: didn't train him or anything like that. I just was
• 31:07
  Speaker 4: very attracted to somebody who was relatively self sufficient and
• 31:10
  Speaker 4: independent and had their stuff together. But I also think
• 31:14
  Speaker 4: if your partner's not seeing it the way you are,
• 31:17
  Speaker 4: we need to do a bit more investigating and go, okay, well,
• 31:20
  Speaker 4: let's not have an argument using words like Gabby, you
• 31:23
  Speaker 4: do this is actually really aggressive. Let's take those conversations
• 31:27
  Speaker 4: off the table and go, I just feel like this,
• 31:29
  Speaker 4: how can we explore that a bit more?
• 31:31
  Speaker 2: What would that mean?
• 31:32
  Speaker 4: Like you're saying that you're doing fifty to fifty. Why
• 31:35
  Speaker 4: do I feel that it's not because one thing that
• 31:39
  Speaker 4: I have learned, and this is not a good thing. Thankfully,
• 31:41
  Speaker 4: Steve and I don't argue too much, but I have
• 31:44
  Speaker 4: a very deep belief that you can argue your way
• 31:47
  Speaker 4: out of anything.
• 31:48
  Speaker 2: Except you can't tell me how I feel.
• 31:50
  Speaker 4: So the second I tell you how you feel, I
• 31:52
  Speaker 4: can't be like, oh, well, Jess, if you feel left
• 31:54
  Speaker 4: out by that, that's on you.
• 31:56
  Speaker 2: I'm gonna have to go, oh.
• 31:57
  Speaker 4: Actually, let's do a little bit of self reflection, if
• 32:00
  Speaker 4: that makes sense.
• 32:01
  Speaker 5: I love when you talk psychology to me. That's really good.
• 32:05
  Speaker 4: It's important though, So like, maybe we can sit down,
• 32:07
  Speaker 4: maybe we can do a budget. If you feel genuinely
• 32:09
  Speaker 4: that you're paying more, I'm sorry, but that's actually quite
• 32:12
  Speaker 4: black and white.
• 32:13
  Speaker 2: You could print it out and be like, well.
• 32:14
  Speaker 4: Let's do a budget. Let's actually look at this. What
• 32:17
  Speaker 4: does your shared finances look like? If you're saying you're
• 32:21
  Speaker 4: paying more but he's not, maybe there's not actually a
• 32:23
  Speaker 4: fair division. And if you're saying that this is a
• 32:25
  Speaker 4: man that you want to have kids with, maybe we
• 32:27
  Speaker 4: do need to talk about Okay, well, maybe we have
• 32:29
  Speaker 4: a shared account and you both transfer the same amount
• 32:31
  Speaker 4: to that shared account, still have completely separate finances, but
• 32:34
  Speaker 4: there's an agreed amount for bills and for groceries and
• 32:37
  Speaker 4: everything that's fifty to fifty.
• 32:38
  Speaker 2: Maybe that will make you.
• 32:39
  Speaker 4: Feel a little bit more in control. And then I
• 32:42
  Speaker 4: think we should also talk about the division of labor,
• 32:45
  Speaker 4: like if we're talking about who's vacuuming and who's washing up,
• 32:48
  Speaker 4: and what.
• 32:49
  Speaker 2: Does that actually look like. I know that sometimes I go,
• 32:52
  Speaker 2: oh my god, Jeeve never cleans the bathroom. It's the worst.
• 32:56
  Speaker 4: Gabby's laughing because she spends a very significant amount of
• 32:59
  Speaker 4: her time at mine house. That's me with tunnel vision,
• 33:03
  Speaker 4: because that's just a job that I have elected to do.
• 33:06
  Speaker 4: There's no division of labor. But Gabby Steve does everything else.
• 33:10
  Speaker 3: See there's a yes, very domestic goddesses.
• 33:14
  Speaker 6: He's a perfect heath husband.
• 33:16
  Speaker 3: I think it's so hard to like track those things.
• 33:19
  Speaker 3: Like you say, it's easy with the budgeting because you
• 33:21
  Speaker 3: can literally sit down and go ABCD, it's black and white.
• 33:24
  Speaker 3: But then with division of labor, it's like if someone
• 33:27
  Speaker 3: thinks that they're doing something, it's very hard to take
• 33:30
  Speaker 3: them out of that.
• 33:31
  Speaker 5: And like you say, you get tunnel vision.
• 33:34
  Speaker 4: Yeah, exactly, and you might have, and I'm not saying
• 33:36
  Speaker 4: you do it. I don't want to gaslight you into
• 33:38
  Speaker 4: thinking that you're the problem. You are absolutely not. But
• 33:40
  Speaker 4: like if I look at it and go we were
• 33:42
  Speaker 4: having a very isolated conversation and I go, oh, no,
• 33:45
  Speaker 4: Steve never cleans the bathroom.
• 33:48
  Speaker 2: That's kind of actually true.
• 33:50
  Speaker 4: Does that mean that he's a bad person when it
• 33:52
  Speaker 4: comes to division of labor? No, because everyone on my
• 33:55
  Speaker 4: team knows he does way more than me. I've never
• 33:57
  Speaker 4: taken out the bins.
• 33:58
  Speaker 2: I can't remember the last time I emptied the dishwasher.
• 34:01
  Speaker 5: I've even done those things at me.
• 34:05
  Speaker 4: All right, moving on, But I think it's one of
• 34:08
  Speaker 4: those things where you know, we'll sit down and have
• 34:11
  Speaker 4: a think. Like sometimes in relationships, there might be and
• 34:15
  Speaker 4: I don't ever want to call them boy and girl tasks,
• 34:17
  Speaker 4: but there might be tasks that he does that he's like, no,
• 34:20
  Speaker 4: I am, but you don't see them, and vice versa,
• 34:22
  Speaker 4: because if he's not seeing them and you're not seeing them,
• 34:25
  Speaker 4: maybe he doesn't see how much you're contributing.
• 34:27
  Speaker 2: Maybe he grew up in a household.
• 34:29
  Speaker 4: Where his mom did literally everything for him and it's
• 34:32
  Speaker 4: just something he didn't think about when it comes to
• 34:34
  Speaker 4: doing washing or finding his undies or you know.
• 34:37
  Speaker 2: Literally doing anything of that type.
• 34:39
  Speaker 4: So I think having a conversation about, Okay, what does
• 34:42
  Speaker 4: division of labor look like right now? Once we get
• 34:45
  Speaker 4: that solid, maybe we can talk about having kids, because
• 34:48
  Speaker 4: if after that you still don't want to have kids
• 34:50
  Speaker 4: with that man, that's a red flag.
• 34:53
  Speaker 5: You don't want to have kids.
• 34:55
  Speaker 2: Oh that's a different story.
• 34:56
  Speaker 4: Let's pray we're just assuming that she's in a position
• 34:59
  Speaker 4: where she does want to have a baby.
• 35:00
  Speaker 2: She just doesn't look at a baby with that man
• 35:02
  Speaker 2: right now.
• 35:03
  Speaker 5: I hate these dms when we're like we just need like.
• 35:08
  Speaker 2: Hey, I always want the contracts. I'm a bad Can I.
• 35:10
  Speaker 5: Call you get them on?
• 35:11
  Speaker 2: Give me your goss like I need it? Oh my god?
• 35:13
  Speaker 2: What else did he do? Does he cook dinner? What
• 35:15
  Speaker 2: does he cook? Can he cook?
• 35:16
  Speaker 5: It sounds like she does want to talk about kids.
• 35:19
  Speaker 8: She does.
• 35:20
  Speaker 5: It's so she like, like she said, she's starting to
• 35:22
  Speaker 5: resent him.
• 35:23
  Speaker 7: It's not equal, doesn't feel like equal playing field. So
• 35:25
  Speaker 7: she's just going to get another thing umped on her.
• 35:27
  Speaker 4: Yeah, and tell your partners, like if they're not contributing
• 35:30
  Speaker 4: enough tell them.
• 35:31
  Speaker 2: Victoria said, it's very sexy. It's very sexy. It's a
• 35:35
  Speaker 2: turn on for sure, turn out of ten.
• 35:37
  Speaker 4: All right, let's leave it there, because otherwise I will
• 35:39
  Speaker 4: gloat way too much about my husband.
• 35:41
  Speaker 2: We have a lot of New.
• 35:42
  Speaker 4: York to explore and spend money on. Magnolia Bakery. You
• 35:46
  Speaker 4: better watch out.
• 35:48
  Speaker 2: Thank you for joining us, Gabs and Brooks for having us.
• 35:55
  Speaker 2: We're going to do another episode next week. Jess, Where
• 35:57
  Speaker 2: from you?
• 35:58
  Speaker 5: Orleans?
• 36:00
  Speaker 9: All right?
• 36:00
  Speaker 2: See you, lady.
• 36:01
  Speaker 4: Guys, have the best weekend, and we'll see you on Monday, bright.
• 36:03
  Speaker 2: And early for a money diaries.
• 36:05
  Speaker 5: Bye bye.
• 36:06
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• 36:19
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• 36:23
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• 36:27
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• 36:30
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