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MONEY DIARIES: Mental Health and our finances · She's On The Money

0:00
Speaker 1: She's on the Money.
0:02
Speaker 2: She's on the Money.
0:23
Speaker 3: Hello, and welcome to She's on the Money, the podcast
0:26
Speaker 3: for millennials who want financial freedom. My name is Tony
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Speaker 3: Lodge and joining them for the first money Diary brought
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Speaker 3: to you by our friends at shop Back.
0:35
Speaker 1: So we're now going to call it the Shop Back
0:37
Speaker 1: Money Diaries.
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Speaker 3: Is my best friend for.
0:41
Speaker 1: You, we're best friends.
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Speaker 3: I'm going get to talk about shop Back every.
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Speaker 1: Week, which we already do in which week, Yes, but
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Speaker 1: that's not the point.
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Speaker 3: It's not the point.
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Speaker 1: But now we're going to start asking all their money Doris,
0:52
Speaker 1: how they've been using shot back a huh, ask for
0:54
Speaker 1: their hacks.
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Speaker 3: I'm excited to find out because I only just downloaded
0:57
Speaker 3: it to my Chrome.
0:58
Speaker 1: What are you doing?
0:59
Speaker 3: I know I'm an idiot, you were slack. I know
1:02
Speaker 3: I was using the app like a fool.
1:04
Speaker 1: Anyway, plan.
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Speaker 3: So today's money Diary is a really touching one. I
1:10
Speaker 3: know that it's going to be a bit of a
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Speaker 3: tough listen for a few people out there, so I
1:13
Speaker 3: just wanted to add a little trigger warning right at
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Speaker 3: the top. We will be talking about eating disorders and
1:19
Speaker 3: disordered eating and some mental health struggles.
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Speaker 1: If you're just not comfortable having that conversation today. We
1:25
Speaker 1: would suggest jumping onto the next pod and seeing you
1:28
Speaker 1: next time. But I think it's really important. And I
1:30
Speaker 1: don't know what the Money Diary is about just yet,
1:33
Speaker 1: but I think it's really important to give you the
1:34
Speaker 1: warning and let you know that that's what we're going
1:36
Speaker 1: to be talking about, because at the end of the day,
1:39
Speaker 1: maybe you're just not feeling it today and.
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Speaker 3: We want everyone to feel safe and understood. So we'd
1:44
Speaker 3: never ever, ever want to put you in a position
1:46
Speaker 3: where you were hearing something that you weren't prepared for.
1:48
Speaker 3: So with that in mind, if.
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Speaker 1: You are leaving, we love you. But if you're not, Tony,
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Speaker 1: would you please read out this week's Money diarists email.
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Speaker 3: Hi Victoria and the She's on the Money team. I've
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Speaker 3: always been a but this has meant that I've struggled
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Speaker 3: to spend money on myself, including my mental health. Over
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Speaker 3: the past few years, I've really tried to challenge my
2:07
Speaker 3: beliefs by knowing my worth both personally and professionally. I
2:11
Speaker 3: moved out of home when I was eighteen and reached
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Speaker 3: my goal of saving twenty thousand dollars the month before
2:17
Speaker 3: I turned twenty.
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Speaker 1: Before twenty uh huh okay, crazy unrelatable content.
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Speaker 3: The following year, I realized that my career goals didn't
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Speaker 3: align with my values, and I went back to studying,
2:28
Speaker 3: becoming the first person in my family to graduate from university.
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Speaker 1: Oh that's so sweet, very cool.
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Speaker 3: All while this was happening, I was struggling with poor
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Speaker 3: mental health and an undiagnosed eating disorder. While I'd been
2:39
Speaker 3: to a couple of therapists in the past, the high
2:41
Speaker 3: fees were an ongoing barrier, and it wasn't until I
2:44
Speaker 3: started to seek help through my university that I really
2:46
Speaker 3: began to understand was what I was experiencing. My money
2:50
Speaker 3: story came into play with my disordered eating too. I
2:53
Speaker 3: would often worry about my cash flow and spending money
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Speaker 3: on food, and this would contribute to feeling shame and guilt,
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Speaker 3: particularly around binge eating. Since graduating at the end of
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Speaker 3: twenty nineteen, I've maintained regular, ongoing therapy, regardless of my
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Speaker 3: income or employment status. I've also had two contract roles,
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Speaker 3: negotiating my first offer from forty five thousand to fifty
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Speaker 3: four thousand, and then successfully asking for a salary of
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Speaker 3: sixty six thousand in my current position.
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Speaker 1: Yes, Queen, let's talk to her. She's already on the line.
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Speaker 3: Hello, Money Diarist.
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Speaker 4: Hi, thank you so much for having me here.
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Speaker 1: Oh my gosh, we are so excited about this. This
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Speaker 1: is going to be such a good story.
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Speaker 3: Yeah, and thank you for getting in contact. It's always
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Speaker 3: such an honor to read people's stories. It's like super
3:36
Speaker 3: intimate details, So thank you for sending it through.
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Speaker 4: Oh it was so strength hearing it being read by
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Speaker 4: someone else. I think that was quite Yeah. I wasn't
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Speaker 4: expecting to feel emotional, but it was really nice to hear.
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Speaker 1: Oh was it. I love that.
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Speaker 3: I hope that it made you feel proud of yourself
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Speaker 3: because of what you've achieved. You know, you've obviously gone
3:59
Speaker 3: through a lot, and to kind of hear it as
4:01
Speaker 3: if it's like from a different perspective, you're like, Oh,
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Speaker 3: if I heard that story about someone else, I'd be
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Speaker 3: really proud of them.
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Speaker 4: Yeah, that is so true.
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Speaker 1: Absolutely, it is such a good story though. So let's
4:13
Speaker 1: jump straight into the questions. First question, as always, what
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Speaker 1: is your attitude towards money?
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Speaker 4: So I've always been a favor as I mentioned in
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Speaker 4: my email, and I think I learned from a very
4:26
Speaker 4: young age about the value of money. So growing up
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Speaker 4: was just Mom and I and while we never went
4:32
Speaker 4: without anything, I definitely experienced what it was like to
4:35
Speaker 4: grow up in a single income household and that has
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Speaker 4: always been quite a motivator to me to learn about
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Speaker 4: finances and to do as much as I can to
4:46
Speaker 4: become financially secure. And I think that's definitely influenced my
4:51
Speaker 4: life in a lot of ways, mostly positives, but I
4:54
Speaker 4: think as we'll talk about today, there have been some
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Speaker 4: definitely some difficulties around them as well.
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Speaker 1: Yea, and we'll get into that in our chat, which
5:02
Speaker 1: I'm really looking forward to. Next question is what do
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Speaker 1: you do for work and how much money do you earn?
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Speaker 4: So I'm really excited to say that I work in
5:11
Speaker 4: the health promotion. I studied sustainability in development and within
5:17
Speaker 4: a year of graduating I managed to get this amazing
5:20
Speaker 4: role in community development within a community health setting goal. Yeah,
5:26
Speaker 4: it really ties in kind of all of my passions
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Speaker 4: in one and I'm really excited to see where it
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Speaker 4: we'll lead to.
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Speaker 3: That must be so fulfilling for you as well.
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Speaker 1: Yeah, that is such a cool space to work in.
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Speaker 1: And I genuinely think that knowing a little bit about
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Speaker 1: your story from the email, it just makes sense that's
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Speaker 1: where you ended out.
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Speaker 4: So yeah, definitely.
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Speaker 1: So how much money do you earn to get to
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Speaker 1: the pair of these stuff?
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Speaker 4: I earned sixty six thousand a year and I only
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Speaker 4: just started a new contract, so I've been extended for
6:00
Speaker 4: another twelve month, which is really exciting.
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Speaker 3: Congratulations, thank you.
6:05
Speaker 4: And I can also so with my salary. I can
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Speaker 4: also seller package because we're not for profit. Yeah, that's
6:11
Speaker 4: my great friend pay.
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Speaker 1: Yeah, that is an absolute money win. I don't think
6:15
Speaker 1: enough people take advantage of that properly.
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Speaker 4: It's so good.
6:20
Speaker 1: All right. Next question, what is currently your big money goal?
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Speaker 4: Well, I think I think my big money goal is
6:29
Speaker 4: always to kind of move towards financial freedom. But at
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Speaker 4: the moment, I'm starting to look at buying an apartment,
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Speaker 4: which is equally exciting and terrifying.
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Speaker 1: Oh yeah, definitely terrifying at the same time as being exciting. Yeah, absolutely,
6:45
Speaker 1: all right. Next question, do you currently have any investments?
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Speaker 4: I do. I have an investment portfolio of around twenty
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Speaker 4: two thousand.
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Speaker 1: What all right, tell us what it is. We don't
6:58
Speaker 1: want to hear investment portfolio. I want to know what
7:01
Speaker 1: is in your investment folio.
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Speaker 4: It's all shared and it's a mix of individual stock
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Speaker 4: and easier and it has that I think I started
7:11
Speaker 4: doing that. It was during like the peak lockdown periods,
7:15
Speaker 4: so oh good time finally for the pleasant absolutely, and
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Speaker 4: it's grown a lot since then, which is really exciting
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Speaker 4: to see.
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Speaker 1: That is so cool. So how did you start that journey?
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Speaker 1: I know that, you know, we often ask people, but
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Speaker 1: when they say share portfolio is often people are like, well,
7:30
Speaker 1: what does that even mean? Like, you know, how did
7:32
Speaker 1: you pick a platform? How did you pick the shares
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Speaker 1: that are in your platform? Did you get advice? Like
7:36
Speaker 1: I've just got lots of questions.
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Speaker 4: I'm sorry, no, so be I well, it's something that
7:42
Speaker 4: like I've been that person of not knowing where to
7:44
Speaker 4: start for years, Like I think, you know, as soon
7:48
Speaker 4: as I had a decent amount of money, like in
7:51
Speaker 4: my teenage years, even I knew that I wanted to
7:55
Speaker 4: invest as a way of becoming financially independent, but I
7:58
Speaker 4: didn't know what that looks like. I think where the
8:02
Speaker 4: turning point for that was probably having people in my
8:06
Speaker 4: life who knew about investing, and so I was able
8:09
Speaker 4: to talk to them in a really informal way about
8:13
Speaker 4: their experiences and learning what they're doing. I used the
8:18
Speaker 4: same platform as them, so that was really great as
8:20
Speaker 4: a starting point, but also listening to lots of podcasts,
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Speaker 4: reading a lot, and just doing a lot of research
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Speaker 4: before actually taking that step.
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Speaker 1: Yeah, so what platform did you end up deciding to
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Speaker 1: invest with?
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Speaker 4: So I went with Concept and then it also has
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Speaker 4: Concept Pocket. I think something that I really struggled with
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Speaker 4: as well is that with the amount of money that
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Speaker 4: I had and that I wanted to invest, it didn't
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Speaker 4: feel like it was enough to.
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Speaker 5: See a financial life seeking of life.
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Speaker 1: Yes, that's literally why I decided to partner with six
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Speaker 1: Parts to do the platform that I've done, because I
8:57
Speaker 1: was like, there's no way i'd want someone with you know,
9:00
Speaker 1: you had twenty grand at the start. I would not
9:02
Speaker 1: want you to go then spend three and a half
9:04
Speaker 1: thousand dollars of that twenty thousand dollars on advice as
9:07
Speaker 1: much as some people do. I was just like, that's
9:09
Speaker 1: so much money that could stay invested. So no, I
9:13
Speaker 1: totally get it. My next question, which I have an
9:16
Speaker 1: inkling I know the answer to, but I'm going to ask, anyway,
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Speaker 1: do you currently have any debts?
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Speaker 4: I think you've been writing thinking, No, I don't have
9:25
Speaker 4: any bad debt. I've never had any sort of bad debt.
9:29
Speaker 4: I do have a hex.
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Speaker 1: Yeah, that's okay.
9:32
Speaker 4: Yeah, I think that's sitting here around thirty thousands, and
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Speaker 4: that's hopefully it until I get a mortgage.
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Speaker 1: Yeah. Not bad, not bad, pretty good, not that good size. No,
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Speaker 1: And I think that that's important to understand that it's there.
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Speaker 1: But I like that you were like, no, I don't
9:48
Speaker 1: have any bad debt, but I have a hex, And
9:50
Speaker 1: I like that people are now seeing that as a
9:52
Speaker 1: different type of debt that is actually constructive for their futures.
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Speaker 1: And I just you know, so many people I've met,
9:59
Speaker 1: you know, throughout my shoes on the money journey, you
10:01
Speaker 1: could say, have been in positions with like, oh my gosh,
10:03
Speaker 1: I'm aggressively smashing down my heckstep and I'll be like, why,
10:07
Speaker 1: like what are you doing?
10:08
Speaker 3: I can't of just tick along and do itsll.
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Speaker 1: Now, what are you doing that for? Like start investing,
10:12
Speaker 1: start saving, like reach your financial goals. And obviously I
10:15
Speaker 1: can't give that advice, but sometimes it really does make
10:18
Speaker 1: sense to go. You know what, I'm just really happy
10:21
Speaker 1: with that sitting there for now.
10:23
Speaker 3: Sorry, money Doris. I don't think you said in your email,
10:26
Speaker 3: how old are you?
10:28
Speaker 4: I'm twenty five?
10:29
Speaker 1: Okay, oh wow, that's good shod ban Beanie. Yeah, little friend.
10:34
Speaker 1: Then she's got so much money, say, I'm very envious.
10:37
Speaker 3: Yeah, me too, what a cat? I wish I could
10:39
Speaker 3: wind back the clock and be twenty five and.
10:42
Speaker 1: Have twenty two thousand dollars investments. Yeah okay, well sorry,
10:46
Speaker 1: I can't fix that, but we can start investing Tony
10:49
Speaker 1: once A fully finger out it.
10:50
Speaker 3: Maybe we need our money Darist to give us some help.
10:52
Speaker 1: Oh my gosh. Let's move on in questions. Something that's
10:55
Speaker 1: really popular in our community is shot back, and we're
10:58
Speaker 1: going to start asking money direst if they use shot back.
11:02
Speaker 1: So do you currently use shot back? By friend?
11:06
Speaker 4: I signed up for the shoes on the money. Just
11:08
Speaker 4: can't go.
11:10
Speaker 1: That's how we like, that's what we like to hear.
11:12
Speaker 1: What do you use it for? What's your best shot
11:14
Speaker 1: back hack?
11:17
Speaker 4: I did just recently order some new skincare through shot back,
11:20
Speaker 4: and so that's really exciting.
11:22
Speaker 1: Skink care is a line to my value, so I agree,
11:25
Speaker 1: I like to. I like it be smart with your
11:27
Speaker 1: purchases approval. You've got our seal of approval alright. Next
11:32
Speaker 1: to question, what is your best money habit? Is it
11:35
Speaker 1: buying skincare.
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Speaker 4: I've had to teach myself to let it be okay
11:42
Speaker 4: to buy buy skincare, or to buy anything for that better,
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Speaker 4: So I think my best money has it would probably
11:49
Speaker 4: be that I think about my purchases before I make them.
11:53
Speaker 4: Love that I really like to do as much research
11:56
Speaker 4: as I can, and i'd much rather like say my
12:00
Speaker 4: money and then buy they one or two good quality
12:03
Speaker 4: items that I know well lost and that I know
12:06
Speaker 4: my values, rather than spending like a small amount of
12:09
Speaker 4: money on lots of little things.
12:11
Speaker 1: Yeah, I agree, And I think that that's a hard
12:13
Speaker 1: mentality to come into because so many times, especially when
12:17
Speaker 1: we're younger, we're just so used to volume purchase that
12:21
Speaker 1: when you go no, I'd just like to purchase one
12:23
Speaker 1: piece of makeup or one skincare item that really makes
12:27
Speaker 1: me feel special. It's just such a different mentality, And
12:30
Speaker 1: I can tell you right now you value it so
12:32
Speaker 1: much more. And that's Yeah, That's where I'm at in
12:35
Speaker 1: my life in saying that I could probably rain it
12:37
Speaker 1: in a little bit on my skincare purchases, so open
12:40
Speaker 1: to skin care collaborations, all right. In contrast to that,
12:46
Speaker 1: because that was a good money habit, I think it's
12:48
Speaker 1: a good I think that was a really good money
12:49
Speaker 1: habit that lots of us can learn from. What is
12:51
Speaker 1: your worst money habit?
12:55
Speaker 4: I feel like I have two, and there's been contradictions.
12:59
Speaker 1: Right to hear both of them. You don't just get
13:01
Speaker 1: to pick one.
13:04
Speaker 4: Well, I think my first one would be that I've
13:07
Speaker 4: definitely experienced some lifestyle creep. But having said that, I think,
13:11
Speaker 4: looking at the big picture, it's more that I'm starting
13:15
Speaker 4: to spend the money other things.
13:16
Speaker 1: That you should be spending my.
13:18
Speaker 4: Life exactly, like rent to make my mental health better,
13:22
Speaker 4: or you know, like seeing a psychologist or even but that's.
13:25
Speaker 1: Not life, and that's not lifestyle creep at all. So
13:29
Speaker 1: lifestyle creepers when your expenses increase without you noticing. What
13:33
Speaker 1: you're saying is you now have an income to look
13:35
Speaker 1: after yourself with. And I don't want you to think
13:37
Speaker 1: that that's negative or bad or that you're in like
13:40
Speaker 1: your expenses have increased in a bad way, Like I'm
13:43
Speaker 1: so grateful for you to be able to afford to
13:46
Speaker 1: see a psychologist, to be able to afford rent. And
13:49
Speaker 1: you know, I think that too often I hear people
13:52
Speaker 1: who feel guilty because they're like, oh, my lifestyle creeps
13:54
Speaker 1: so bad, and like, hold up, hold up, hold up,
13:56
Speaker 1: let's like weigh this up. Just because you've got increased
13:59
Speaker 1: expense doesn't necessarily mean a bad thing.
14:02
Speaker 4: Yeah, And I think that that's actually a really good
14:05
Speaker 4: point and something that I do really need to check
14:07
Speaker 4: myself on. I've spent years living on like a really
14:12
Speaker 4: low late wage, whether that was well I was a UNI,
14:15
Speaker 4: or you know, doing like not working full time. And
14:19
Speaker 4: I've only been working full time for a year, and
14:22
Speaker 4: so I think I need to be a little bit
14:24
Speaker 4: careful with myself there.
14:25
Speaker 1: Well, like be careful, but don't put so much pressure
14:28
Speaker 1: on yourself.
14:28
Speaker 3: Because a learning process.
14:30
Speaker 1: Yeah, I can already hear that. You're like, oh, it's naughty,
14:32
Speaker 1: and I'm like, no, it's not my hand, Like this
14:35
Speaker 1: is why we treat ourselves. Like when I say treat yourself,
14:38
Speaker 1: I don't mean like go and buy a new outfit
14:40
Speaker 1: or a dress that you're going to wear once. I
14:41
Speaker 1: mean treat yourself consistently by paying your psychologists, because that
14:45
Speaker 1: is one of the best things that you can do.
14:48
Speaker 1: And I think that sometimes we really have to give
14:50
Speaker 1: ourselves permission to do that. But also sometimes we need
14:53
Speaker 1: to hear someone else go that's okay. And if you've
14:56
Speaker 1: never heard that before, let me be that person to
14:59
Speaker 1: be like, no, keep spending that money and don't compromise
15:02
Speaker 1: on that. Find somewhere else in your budget if you
15:05
Speaker 1: need to strip back, but your mental health should not
15:07
Speaker 1: ever suffer. Yeah, yeah, your psychologists probably said that.
15:13
Speaker 5: So.
15:13
Speaker 3: But also like the same way that if a friend
15:15
Speaker 3: said to you, I really need to start seeing someone,
15:19
Speaker 3: you would never go, well, does it work into your budget?
15:21
Speaker 3: You'd go, yeah, that's a priority for you, you know,
15:24
Speaker 3: Like we need to remember that our mental health is
15:26
Speaker 3: the same as if you broke your leg. You wouldn't go, Oh,
15:30
Speaker 3: I just bought some new skincare, so I probably can't
15:32
Speaker 3: afford to go to the hospital now, so I might
15:34
Speaker 3: just go in two weeks when I get paid again.
15:36
Speaker 3: You would never you would never force yourself to suffer
15:39
Speaker 3: through a physical injury, So why would you force yourself
15:42
Speaker 3: to suffer such.
15:43
Speaker 1: A good way of life? So smart, I know you are.
15:48
Speaker 1: I know you are, So what was your second bad
15:50
Speaker 1: money habit?
15:52
Speaker 4: I think that other bad money habit is probably more true,
15:55
Speaker 4: and that they don't like expending it. I think I
16:00
Speaker 4: have a lot of anxiety around spending money, and that is,
16:05
Speaker 4: you know, it goes back to exactly what you were
16:07
Speaker 4: saying about. It's not so much being life style, but
16:10
Speaker 4: needing to spend money on the things that help me
16:14
Speaker 4: or being okay with going out and buying your coffee
16:17
Speaker 4: because it's a nice day, and being okay with spending money.
16:21
Speaker 1: That's when we.
16:22
Speaker 3: Hear from a lot of people that have grown up with,
16:24
Speaker 3: you know, like a single income family, single parent family,
16:27
Speaker 3: things like that you do learn to be quite frugal
16:31
Speaker 3: because you need to be like that's all the only
16:34
Speaker 3: option that you have. So I'd say that given what
16:37
Speaker 3: you've how you've grown up and stuff, that that really
16:39
Speaker 3: impacts what the way that you look at money. We've
16:42
Speaker 3: had money dirests before say the same thing, and so
16:45
Speaker 3: I think it's really normal. It's just one of those
16:47
Speaker 3: things where you need to remind yourself that you've worked
16:50
Speaker 3: really hard and you're in a place where financially you
16:53
Speaker 3: can actually go and have a coffee in the sun
16:56
Speaker 3: if it's a nice day, and you know, like, you
16:58
Speaker 3: shouldn't feel guilty about spending money because you know that
17:01
Speaker 3: you're gonna do it in a responsible way, you know.
17:06
Speaker 1: Yeah, And I think we need to give ourselves a
17:08
Speaker 1: little bit more credit. But it's so important because if
17:10
Speaker 1: you want to go out because it's a nice day
17:12
Speaker 1: and grab a coffee with a girlfriend, like, you shouldn't
17:14
Speaker 1: have money guilt over that. Like, I mean, don't do
17:17
Speaker 1: it three or four times a day every day for
17:19
Speaker 1: a year, But if you want to go do that
17:21
Speaker 1: one afternoon, like, that's absolutely something that's aligned to your values.
17:25
Speaker 1: And that's why I am so values driven. I don't
17:28
Speaker 1: want to talk about the percentage in which people should
17:31
Speaker 1: be saving because it's not fair. But hey, do you
17:34
Speaker 1: want to spend your money on that? Yep, great, it's
17:36
Speaker 1: your money. It's your money. You're in control. And that's
17:39
Speaker 1: what we want to drive home here, that you are
17:42
Speaker 1: in control, not somebody else.
17:44
Speaker 4: Yeah. I'm going to sound like such a fad saying,
17:47
Speaker 4: but I think it was the week that your book
17:49
Speaker 4: arrived that I finally opened up a separate account for
17:52
Speaker 4: my emergency funds and I think that made such a
17:55
Speaker 4: big difference in my mindset.
17:57
Speaker 1: Oh my god, are you serious? It makes my heart
18:01
Speaker 1: so full. I cannot tell you how proud I am
18:06
Speaker 1: that you know this is the impact that you know
18:09
Speaker 1: one our community but to the book is going to
18:11
Speaker 1: have and that people are taking it seriously that they
18:14
Speaker 1: need to look after future us. And you know, I
18:17
Speaker 1: guess it's a good question to add in here, like
18:20
Speaker 1: how do you feel now you have an emergency account?
18:23
Speaker 1: And why didn't you do it sooner?
18:26
Speaker 4: I wish I did it sooner. I think I feel
18:30
Speaker 4: so much better now that I know that there's that
18:33
Speaker 4: separate account. And I think as well, for me, it's
18:36
Speaker 4: that if an unexpected bill comes up or my rent
18:41
Speaker 4: gets increased with two weeks notice, which has just happened,
18:44
Speaker 4: I know that that won't affect my savings. It's like
18:47
Speaker 4: a buffer that sits in between my my cash or
18:51
Speaker 4: my savings. And that has been just really really good
18:55
Speaker 4: to know that it won't be jeopardized.
18:58
Speaker 1: Yeah, but that's just deep, right, Like I think, too
19:01
Speaker 1: many times we go but we've got savings, and in
19:04
Speaker 1: reality you do. We're not saying that you don't, but
19:07
Speaker 1: the second you dip into them, You're creating this mentality
19:10
Speaker 1: of missing out on something else in the future, and
19:12
Speaker 1: an emergency account means that, Okay, like, there's been some
19:15
Speaker 1: bumps in the road, but my savings didn't get hit.
19:18
Speaker 1: I've got a separate fund for that. I'm planning for,
19:21
Speaker 1: you know, mistakes or things that just pop up. And
19:24
Speaker 1: I think that it can be so empowering. And you
19:27
Speaker 1: genuinely don't know how empowering that can be until you
19:29
Speaker 1: have it. Let's move on with money habits and ask
19:33
Speaker 1: the last, but definitely not least, a question of the list,
19:36
Speaker 1: and that is what gray, would you give your money
19:38
Speaker 1: habits if I forced you to give yourself a grade?
19:43
Speaker 4: I think my initial reaction is to be but I
19:47
Speaker 4: think I will say.
19:49
Speaker 1: Yes, going, I would agree. I think you're so good,
19:53
Speaker 1: Like literally, I can't wait to ask you so many
19:55
Speaker 1: more questions, but I would agree. And I really like
19:59
Speaker 1: it when people give themselves a it's good, it feels good.
20:02
Speaker 4: It's hard, but I think it's I think it's accurate.
20:05
Speaker 4: I think it's accurate.
20:07
Speaker 1: No, it's accurate. It's so good. You heard your own
20:09
Speaker 1: story back to yourself before and you were like, oh,
20:11
Speaker 1: who is she.
20:14
Speaker 4: If it was someone else, I would yeah, exactly.
20:18
Speaker 1: And we need to be putting ourselves in that position
20:20
Speaker 1: more often, because too often we're so harsh on ourselves
20:23
Speaker 1: instead of being like, well, if Tony was going through this,
20:25
Speaker 1: what would I tell Tony? Oh, I'd say this. Oh well,
20:27
Speaker 1: why don't I say that to myself? Like that never happens.
20:30
Speaker 3: I'm happy to be everyone's metaphorical friend that you run
20:32
Speaker 3: that test through as well, like me metaphorical Oh yeah,
20:36
Speaker 3: not real friends? Oh okay, yeah, sorry even you No,
20:39
Speaker 3: just kidding, I thought that.
20:41
Speaker 1: Might be the case. All right, Well, I've got a
20:43
Speaker 1: lot of questions for our money drest and we'll get
20:45
Speaker 1: to them in just a minute. All right, now we
20:56
Speaker 1: are back and jumping straight into it. You mentioned in
21:00
Speaker 1: your email to us that you've gone through a fair bit,
21:04
Speaker 1: so you've gone through struggles with money and just feeling
21:07
Speaker 1: really overwhelmed by it, but also that kind of manifested
21:11
Speaker 1: into a neating disorder. And I would love if you're
21:13
Speaker 1: willing to share with us to know a little bit
21:16
Speaker 1: more about how that came about and how that was
21:18
Speaker 1: impacting your money story and how that just impacted you
21:22
Speaker 1: in general, because I think that eating disorders in general
21:25
Speaker 1: aren't spoken about enough, but then also impact more people
21:29
Speaker 1: than we think they do because too many times, and
21:33
Speaker 1: you know, I don't know your story yet, but too
21:36
Speaker 1: many times people just think it's about wanting to be
21:39
Speaker 1: skinnier or wanting to lose weight and then getting out
21:41
Speaker 1: of control. But for most of us, it's not actually
21:44
Speaker 1: about that. It's usually about control or something bigger that's manifesting.
21:48
Speaker 1: So I would love if you shared your story on that.
21:53
Speaker 4: Well, thank you. I would love to, and I'm so
21:56
Speaker 4: excited to have this platform because I completely agree with you.
22:00
Speaker 4: I often say that I didn't know that I had
22:04
Speaker 4: an eating disorder, but I think what was actually happening
22:08
Speaker 4: was that I knew I had an unhealthy relationship with
22:12
Speaker 4: food in some way. What I didn't know is that
22:16
Speaker 4: that was considered disordered eating and that there was help
22:20
Speaker 4: out there for that, and that I could access that helped.
22:23
Speaker 4: And I think that's something that is really important for
22:26
Speaker 4: people to know. I wish I knew that years earlier.
22:32
Speaker 4: So when I first went to see a counselor, I
22:34
Speaker 4: again didn't quite know what exactly I was there for,
22:38
Speaker 4: and it wasn't until I went through that process that
22:41
Speaker 4: I started to realize what it was that I was experiencing.
22:45
Speaker 4: And I think personally, I found that having a name
22:49
Speaker 4: for help in the sense that I knew I wasn't alone.
22:53
Speaker 4: So I was diagnosed with binge eating disorder, and I
22:57
Speaker 4: think that that's the one that is not like it's
23:02
Speaker 4: going back to exactly what you were saying about how
23:04
Speaker 4: there's all of these misconceptions about eating disorders. I think
23:08
Speaker 4: when we look at the statistics, being eating disorder is
23:12
Speaker 4: the most common by far in Australia. It accounts for
23:17
Speaker 4: almost half of the eating disorders, and it's something that's
23:20
Speaker 4: just not really talked about. And I think any eating
23:25
Speaker 4: disorder is such a difficult and complex mental health issue,
23:32
Speaker 4: and you're exactly right. It very rarely is about weight
23:36
Speaker 4: loss and being skinny, and I think that is something
23:39
Speaker 4: that really frustrates me. That it also motivates me to
23:44
Speaker 4: do the work that I'm doing in health promotion in
23:46
Speaker 4: that I would love to one day work in this
23:49
Speaker 4: space in a bigger capacity.
23:53
Speaker 3: That's really special that you can look at it in
23:56
Speaker 3: that way. You know, these things that we go through
23:58
Speaker 3: and from your perspective as well, that we're just learning
24:01
Speaker 3: about your story, but there'd be a lot of trauma
24:04
Speaker 3: associated with that, and the fact that you can look
24:07
Speaker 3: at that in a way that makes you want to
24:09
Speaker 3: help other people is really really special.
24:12
Speaker 4: Yeah, I think I'm really grateful to be able to
24:14
Speaker 4: look at it that way, and I think it's taken
24:16
Speaker 4: quite a number of years to get to where I am.
24:20
Speaker 4: I think I guess, going back to my experience when
24:23
Speaker 4: it first started, money definitely came into play with it.
24:28
Speaker 5: And I think I should add two that while I
24:30
Speaker 5: was trying to limit my spending or food intake throughout
24:33
Speaker 5: the day, by the time it got to leaving work
24:36
Speaker 5: or UNI or a social event or whatever it might
24:39
Speaker 5: have been, I more often than not would feel so
24:44
Speaker 5: overwhelmed or stressed and emotional but also physically hungry that
24:50
Speaker 5: I'd end up buying food and eating in secret. And
24:54
Speaker 5: that for me was a really big part of the
24:55
Speaker 5: eating disorder, where I'd feel like I'd completely lost control,
25:00
Speaker 5: But it was also my strategy for coping with or
25:03
Speaker 5: suppressing emotions, and this just contributed to those thoughts of
25:08
Speaker 5: shame and guilt and not feeling good enough.
25:12
Speaker 4: And for me, a lot of the experience was about
25:16
Speaker 4: emotions and not really knowing how to regulate my emotions,
25:22
Speaker 4: and so food would be the tool to do that.
25:26
Speaker 4: And so, you know, I might have a stressful day
25:29
Speaker 4: UNI where I'd be working on an assignment all day
25:31
Speaker 4: and not eating because I didn't have time, but then
25:34
Speaker 4: going home, there would just be this feeling of overwhelm
25:38
Speaker 4: and food would be where I'd go to, I guess,
25:43
Speaker 4: to either over time or to suppress those emotions. And
25:46
Speaker 4: that would happen in any any given scenario, I suppose.
25:51
Speaker 1: It's interesting the more people that I talk to who
25:54
Speaker 1: have experienced eating disorders often talk about the mentions of
26:00
Speaker 1: control that come into an eating disorder, and I would say,
26:03
Speaker 1: that's the underlying reason that eating disorders exist. It's not again,
26:09
Speaker 1: not about being skinny, not about being thinner, and like
26:12
Speaker 1: for some people that absolutely is it, But it usually
26:14
Speaker 1: comes down to controlling something that is in our lives
26:17
Speaker 1: that we are in one way, shape or form out
26:20
Speaker 1: of control of. And food intake great really easy for
26:25
Speaker 1: us to control in comparison to something like our emotions
26:29
Speaker 1: or you know a situation in our life. And I
26:32
Speaker 1: think it's so interesting how that manifests. But then having
26:36
Speaker 1: this conversation around money, Like it makes sense that these
26:40
Speaker 1: two things could be related and could have a relationship
26:44
Speaker 1: with one another, and how that's come to impact you,
26:47
Speaker 1: like not eating so that you can go home. Can
26:50
Speaker 1: understand like people you know, going all right, well I've
26:53
Speaker 1: skipped meals too because it's cheaper to eat at home,
26:55
Speaker 1: Like I've got food at home, right, But like it
26:57
Speaker 1: is something that is on your mind twenty four seventy.
26:59
Speaker 1: You can't not think about it, you like can't wait
27:01
Speaker 1: to get home so that you can do that. But
27:03
Speaker 1: it is not really about the money, is it. It's
27:06
Speaker 1: about the control of it. Yeah, absolutely, So when it
27:11
Speaker 1: came to the money side of things, obviously, like saving
27:15
Speaker 1: was something that you were really trying to control, Like
27:18
Speaker 1: how did you get on top of that, Like you
27:19
Speaker 1: saw a counselor what were the next steps? Like where
27:22
Speaker 1: were the resources that helped you?
27:25
Speaker 4: Yeah, I think that's I think that's a really good
27:27
Speaker 4: point too, is that there's definitely that element of control
27:32
Speaker 4: that's kind of sitting behind that. It was doing behind
27:34
Speaker 4: my eating disorder, and I was very similar around controlling
27:40
Speaker 4: my money. So I think in terms of the resources
27:44
Speaker 4: that I was able to access I think there were
27:47
Speaker 4: a couple of times where I would try to see
27:50
Speaker 4: a psychologist and the fees for a barrier, And it
27:57
Speaker 4: seemed odd to say that now because I know that
28:01
Speaker 4: at the time I had savings, that I was living
28:04
Speaker 4: with that money mindset of being on a student income,
28:09
Speaker 4: and so it wasn't until I could access a free
28:12
Speaker 4: service that I was really able to start talking about
28:17
Speaker 4: what was happening and realizing that this is something that
28:21
Speaker 4: I need to or I want to be putting my
28:25
Speaker 4: money towards that I wanted to be accessing helpful. I
28:31
Speaker 4: think that took a long time. I think as well
28:35
Speaker 4: as there was also this fear of recovery in the
28:39
Speaker 4: sense that if my eating patterns changed, that I wasn't
28:43
Speaker 4: feeling better mentally, then what does that mean for being
28:48
Speaker 4: able to access the services that I was accessing. So
28:51
Speaker 4: I have been really fortunate in that I've been able
28:54
Speaker 4: to so started seeing counselors through university, and then once
28:58
Speaker 4: I graduated, I was at a point where I made
29:02
Speaker 4: the decision to go and see a professional outside of that,
29:07
Speaker 4: and I got to see a specialist, and I've continued
29:12
Speaker 4: with that through my unemployment, through lockdown, through all of that,
29:17
Speaker 4: no matter how much it costs. And I think as well,
29:21
Speaker 4: another really important thing for me to be able to
29:24
Speaker 4: access was both the Mental health Care Plan and also
29:28
Speaker 4: the Eating Disorder Plan. So that was really helpful in that,
29:33
Speaker 4: even though there was still constant barriers to accessing service,
29:37
Speaker 4: there was some amount of help available that I could
29:40
Speaker 4: tap into.
29:42
Speaker 1: Yeah, and it's do you know what, it's really hard
29:44
Speaker 1: to admit that you have an eating disorder, Like it
29:46
Speaker 1: is not something that someone says, oh, by the way,
29:50
Speaker 1: so what you've been diagnosed with is binge eating disorder.
29:53
Speaker 1: You're going nap, nuh, That's not what I have. That's
29:56
Speaker 1: not me, not a thing. So I think it's one
29:59
Speaker 1: thing to be diagnosed, it's another thing to come to
30:01
Speaker 1: terms with it. But I think underlyingly, there are probably
30:04
Speaker 1: a lot of people that are going through this that
30:06
Speaker 1: are listening that go, oh, that's me, Like, but I'm
30:10
Speaker 1: not ready, I'm not ready to get help. And I
30:12
Speaker 1: can absolutely empathize with that, like, sometimes you're just not
30:14
Speaker 1: ready to have that conversation, in which case there's a
30:18
Speaker 1: foundation called the Butterfly Foundation, and they specialize in eating
30:22
Speaker 1: disorders and helping you through that and They are a
30:24
Speaker 1: confidential and free support service that if you are maybe
30:29
Speaker 1: even not sure if you've got one, you can have
30:32
Speaker 1: a chat with them because they're there for anyone who's
30:34
Speaker 1: concerned by eating issues and body image issues, and whether
30:38
Speaker 1: you need support for yourself or even if you just
30:40
Speaker 1: want to call up and be like, my best friend's
30:42
Speaker 1: going through this, how do I support them in the
30:44
Speaker 1: best possible way. They are absolute legends and do so
30:47
Speaker 1: much beautiful work in this space. And it's also so
30:50
Speaker 1: special that you're talking this through with us, because I
30:54
Speaker 1: know first town to how hard it is to talk
30:55
Speaker 1: about an eating disorder as someone who has had one,
30:58
Speaker 1: and thankfully I'm not in that position anymore. And to
31:01
Speaker 1: be honest, I don't even see myself as that person anymore.
31:04
Speaker 1: I look back on that time and I go, Wow,
31:06
Speaker 1: who is she? Like she's not. I don't remember her,
31:10
Speaker 1: like she's not. We don't even have the same mindset
31:12
Speaker 1: or mentality or take on life. Where are you at
31:15
Speaker 1: on that journey? Like can you do you still experience
31:19
Speaker 1: these you're going through it? Like do you look back
31:22
Speaker 1: on it and go, oh my gosh, like that's not
31:23
Speaker 1: me anymore? Or do you think this is something that's
31:25
Speaker 1: going to stick with you for a while.
31:27
Speaker 4: Yet, that's a really good question. I think. I think
31:32
Speaker 4: I'm somewhere in between. It's something that I still struggle
31:37
Speaker 4: with at times, but as well, I you know, even
31:43
Speaker 4: talking to you about this today, like, there is no
31:46
Speaker 4: way that I could have seen myself doing this a
31:49
Speaker 4: couple of months ago, I think, But that is I
31:52
Speaker 4: think progress. Yeah, definitely. I actually was really lucky to
31:58
Speaker 4: be able to work on a short term project at
32:01
Speaker 4: work around eating disorders, and I think that was a
32:04
Speaker 4: really big step for me in terms of talking about
32:08
Speaker 4: my lived experience in a professional space, but it also
32:12
Speaker 4: really forced me to It also really gave me the
32:15
Speaker 4: opportunity to kind of stop and reflect. I think it's
32:19
Speaker 4: really difficult to recognize it, for recovery is possible when
32:24
Speaker 4: you're in the middle of it, and I still at
32:27
Speaker 4: times feel like I'm in the middle of it, and
32:30
Speaker 4: I'm in this weird space where I'm confident that I
32:33
Speaker 4: won't always be And that's really nice to start to recognize.
32:39
Speaker 1: Yeah, and to be honest, if someone is listening and
32:42
Speaker 1: you're going through this like it feels like it will
32:46
Speaker 1: never be over, it feels genuinely, like it's such a
32:50
Speaker 1: part of your personality that you don't even know how
32:52
Speaker 1: to change that, nor do you know if you even
32:55
Speaker 1: want to, because you go, well, who am I if
32:57
Speaker 1: I don't do this? Like who am I without this?
33:00
Speaker 1: Like I don't know, Like this is you know, just
33:02
Speaker 1: who I am? This is how it works, And it
33:04
Speaker 1: is so overwhelming to go through that. But I think
33:07
Speaker 1: knowing that there's a light at the end of the
33:08
Speaker 1: tunnel and there are people that are there for you,
33:10
Speaker 1: and there are tools and resources that you can access
33:13
Speaker 1: to do that. But you know, as much as I say, hey,
33:16
Speaker 1: like I am fully past it, Like in times of stress,
33:19
Speaker 1: you still feel those feelings and you sometimes slip back
33:22
Speaker 1: into older habits, and you like, thankfully with the right
33:26
Speaker 1: tools and resources, you're able to catch yourself and go no, no, no,
33:29
Speaker 1: that's actually really naughty, like I shouldn't be doing this,
33:32
Speaker 1: and you know, you change it really quickly so it
33:34
Speaker 1: doesn't impact you long term. But I think one of
33:36
Speaker 1: the things that is really hard about eating disorders and
33:40
Speaker 1: is something that a psychologist once said to me, because
33:44
Speaker 1: I've gone through a lot of this and I'm very
33:46
Speaker 1: happy to talk about it because I hope that even
33:48
Speaker 1: just one person listening to this going wow, like I
33:50
Speaker 1: just really need to go talk about this. Is that
33:54
Speaker 1: voice in your head that tells you that you're not
33:56
Speaker 1: good enough? And I don't think that anyone would ever, ever,
33:59
Speaker 1: ever be able to tell me they understand it without
34:02
Speaker 1: having experienced and eating disorder, that there is a voice
34:06
Speaker 1: in your head that tells you, no, don't do that,
34:08
Speaker 1: and it is overwhelming. It speaks over you, and it
34:11
Speaker 1: tells you that you are not good enough and that
34:13
Speaker 1: you are not worthy, and that you are you know,
34:15
Speaker 1: it squashes your actual personality, It squashes your actual thoughts
34:18
Speaker 1: and values and beliefs and behaviors. And I've had to
34:21
Speaker 1: do a lot of work to get there. But knowing
34:24
Speaker 1: that you personally have said, I really want to maybe
34:27
Speaker 1: work in eating disorders, like you're the perfect fit because
34:31
Speaker 1: not only do you know that and you're passionate about that,
34:34
Speaker 1: but there's a level of empathy that I don't genuinely
34:37
Speaker 1: believe other people can have. And I remember that day
34:40
Speaker 1: that a doctor turned around to me and said, what's
34:42
Speaker 1: a voice in your head say about that? And I
34:44
Speaker 1: was like, what how do you know about that? Like
34:46
Speaker 1: I just didn't know that other people knew or understood that,
34:50
Speaker 1: and I didn't want to sound crazy, Like I didn't
34:53
Speaker 1: want people to go, oh, there's voices in her head,
34:55
Speaker 1: and you know that's not a bad thing either. We
34:57
Speaker 1: can get treatment for that too, But like I just
35:00
Speaker 1: felt like I was a bit crazy.
35:02
Speaker 3: And when you're young as well, you just don't know
35:05
Speaker 3: how to deal with that, and you don't know what
35:08
Speaker 3: is normal and what isn't normal, And it's something that
35:11
Speaker 3: people don't talk about, like you said enough, so you
35:13
Speaker 3: don't know what is okay and what's not okay and
35:16
Speaker 3: what you can say and whether your mum's gonna understand
35:18
Speaker 3: or you know.
35:19
Speaker 1: And more often than not, they don't because they've never
35:22
Speaker 1: gone through that. And looking back, like I wish my
35:26
Speaker 1: parents had the resources that the Butterfly Foundation had and
35:29
Speaker 1: that you know, psychologists have today. And I was so
35:33
Speaker 1: lucky that my parents bent over backwards to get me
35:36
Speaker 1: the help that I needed, but they definitely didn't have
35:39
Speaker 1: the tools and resources that are available today, and I
35:43
Speaker 1: know they would have felt far more empowered because I
35:45
Speaker 1: had no idea what was going on, like no idea,
35:48
Speaker 1: and so just knowing that those things exist for us,
35:51
Speaker 1: and we are supported, and you know, if you want
35:54
Speaker 1: to talk about it, like she's on the money's here,
35:56
Speaker 1: reach out like we are your friends, Like you can
35:59
Speaker 1: talk to someone on our team about literally anything, and
36:01
Speaker 1: we'll hook you up with the right places to be
36:03
Speaker 1: and let you know what is the next step if
36:06
Speaker 1: you don't know where to go. But I would never
36:08
Speaker 1: want anyone in our community to feel any less than
36:11
Speaker 1: not because of somebody else, but because of some silly
36:13
Speaker 1: voice in our head that tells us to distort our
36:16
Speaker 1: eating And I think that that is wild, Yeah.
36:21
Speaker 4: I think yeah, And that for me was a huge
36:24
Speaker 4: realization around I remember sitting in my psychologist's office since
36:30
Speaker 4: she was drawing a picture of the thought process of
36:34
Speaker 4: someone with an eating disorder, and just realizing that I
36:39
Speaker 4: wasn't alone and that I wasn't the only one who
36:42
Speaker 4: thinks like that. And he feels like that was so
36:45
Speaker 4: eye opening. And I think as well, something that I've
36:49
Speaker 4: learned throughout this process is that my mum actually had
36:52
Speaker 4: a very similar experience to me, and now being able
36:57
Speaker 4: to talk to her about that has kind of helped
37:00
Speaker 4: in two ways in that you know, again it speaks
37:02
Speaker 4: to that feeling of not being alone, but also knowing
37:06
Speaker 4: that it almost makes sense as to why I've had
37:10
Speaker 4: that experience because she has had that and I've seen
37:13
Speaker 4: that modeled to me, and she has had that model
37:16
Speaker 4: to her as well as her childhood and its yeah,
37:19
Speaker 4: this generational behavior that has really been a part of
37:23
Speaker 4: that story as well. And I'm just so grateful that
37:26
Speaker 4: we that I am at a spot where I can
37:30
Speaker 4: talk to her about that now. I think that's been
37:32
Speaker 4: a really beautiful way to connect with her, to really
37:36
Speaker 4: grow our relationship as well.
37:38
Speaker 1: Yeah, that is so so so special, and I think,
37:41
Speaker 1: you know, we're running out of time very quickly. But
37:45
Speaker 1: I think one last question I have for you is
37:48
Speaker 1: just more around the people in our community that might
37:51
Speaker 1: be going through this, because you know, as much as
37:53
Speaker 1: this is a money podcast, this stuff impacts your ability
37:56
Speaker 1: to earn an income, It impacts your ability to save
37:59
Speaker 1: twin there as you were saying, like one of the
38:01
Speaker 1: reasons you were restricting eating was money, Like, these things
38:05
Speaker 1: run deep. What is the one piece of advice that
38:08
Speaker 1: you would want to share.
38:12
Speaker 4: I think if it could only be one thing, it
38:14
Speaker 4: would be a bit curious, you know, I think there
38:16
Speaker 4: are definitely resources out there, like what you were saying
38:20
Speaker 4: with Butterfly, and there are resources out there that can help.
38:25
Speaker 4: And I think being in that position is really difficult,
38:30
Speaker 4: and I think having that curious mindset is a really
38:34
Speaker 4: great tool in that first instance, where as you were saying,
38:38
Speaker 4: like someone might not be ready for change, but starting
38:42
Speaker 4: to think about that is a really great step, and
38:45
Speaker 4: that can lead to more steps.
38:49
Speaker 1: I agree the first one is really hard. Yeah, but
38:51
Speaker 1: it doesn't mean you have to talk to someone immediately,
38:54
Speaker 1: just like, do the research. Have a look on the website,
38:57
Speaker 1: maybe have a look at the definitions and see if
38:59
Speaker 1: you resonate with any of them. I think it's just
39:02
Speaker 1: understanding yourself sometimes is one of the most important and
39:04
Speaker 1: powerful things that you can do, and you know, give
39:08
Speaker 1: yourself that gift of just more knowledge. And you're right,
39:10
Speaker 1: I think being curious is very helpful in this situation.
39:14
Speaker 1: Thank you so much, though, Oh my gosh, what a story.
39:18
Speaker 4: Thank you so much for having me. I'm really that
39:21
Speaker 4: we've been able to talk about it.
39:23
Speaker 1: Oh, it has been so special. Like it's something that
39:26
Speaker 1: obviously I don't talk about a lot on the podcast
39:28
Speaker 1: because it's just not relevant. It's not part of it.
39:31
Speaker 1: But it's not something I'm ashamed of. It's not something
39:33
Speaker 1: that upsets me. It's something that I'm really proud to
39:37
Speaker 1: talk about because you know, if it impacts one person,
39:40
Speaker 1: then that's more than enough for me. So I think
39:42
Speaker 1: it's Yeah, it's beautiful that you also want to share
39:44
Speaker 1: that story because I think, you know, especially in a
39:47
Speaker 1: community of women, like you know, we're not all women.
39:50
Speaker 1: It sheets on the money, but there are a whole
39:52
Speaker 1: heap of us, like we go through so many diverse
39:55
Speaker 1: experiences and to just know that not just me, is
39:59
Speaker 1: so empowered.
40:01
Speaker 4: Yeah, thank you so much for having we.
40:04
Speaker 1: That was honestly just so, that was honestly such a
40:07
Speaker 1: special story and I'm so grateful that you shared that
40:10
Speaker 1: with us. But as always, Tony, that is all we
40:13
Speaker 1: have time for today. So just before we head off,
40:16
Speaker 1: we'd like to acknowledge and pay respect to Australia's Aboriginal
40:19
Speaker 1: and to ours Straight islander peoples. They're the traditional custodians
40:22
Speaker 1: at the lands, the waterways and the skies all across Australia.
40:27
Speaker 1: We thank you for sharing and for caring for the
40:29
Speaker 1: land on which we are able to learn. We pay
40:31
Speaker 1: respects to elders past and present, and we share our
40:34
Speaker 1: friendship and our kindness.
40:36
Speaker 3: The advice shared on She's on the Money is generally
40:39
Speaker 3: nature and does not consider your individual circumstances. She's on
40:43
Speaker 3: the Money exists purely for educational purposes and should not
40:46
Speaker 3: be relied upon to make an investment or financial decision.
40:49
Speaker 3: And we promise that Miss Victoria Devine is an authorized
40:52
Speaker 3: representative of Australia Pacific Funds Management Proprietary Limited ABM three
40:57
Speaker 3: four one three two four six three two five seven
41:00
Speaker 3: sell three three nine one five one And if you
41:02
Speaker 3: pop belong into the show notes you'll find all the
41:04
Speaker 3: resources for our friends at the Butterfly Foundation. So if
41:07
Speaker 3: this episode brought up anything for you.
41:09
Speaker 1: Or you want to have a chat with them.
41:11
Speaker 3: Yeah, or you need to know how to support a friend,
41:14
Speaker 3: you can contact them. They're amazing. You can call them
41:16
Speaker 3: and they'll call you back, or use their online messaging service.
41:19
Speaker 3: They're honestly a really great resource to have.
41:22
Speaker 1: So and if you don't even want to talk to them,
41:24
Speaker 1: they've got a whole heap of epic resources on their
41:26
Speaker 1: website they can download for free.
41:27
Speaker 3: If that's not a money, I don't know what it
41:29
Speaker 3: is amazing.
41:30
Speaker 1: See you next week. Guys. Bye,