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MONEY DIARIES: Home is where the cash is · She's On The Money

0:00
Speaker 1: Hello.
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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
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Speaker 2: Order Kernye Whoalbury and a waddery woman. And before we
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Speaker 2: get started on She's on the Money podcast, I would
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Speaker 2: like to acknowledge the traditional custodians of the land of
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Speaker 2: which this podcast is recorded on a wondery country, acknowledging
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Speaker 2: the elders, the ancestors and the next generation coming through
0:23
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
0:27
Speaker 2: the storytelling of you to make a difference for today
0:31
Speaker 2: and lasting impact for tomorrow.
0:33
Speaker 1: Let's get into it.
0:34
Speaker 3: She's on the Money, She's on the Money. Hello, and
0:58
Speaker 3: welcome to She's on the Money, the podcast for millennials
1:01
Speaker 3: who want financial freedom.
1:04
Speaker 1: Welcome back to another one of our.
1:05
Speaker 3: Very special money diaries where we get to talk with
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Speaker 3: one of our beautiful She's on the Money community members
1:11
Speaker 3: all about their money story. Let's jump in because this
1:15
Speaker 3: week I got a message and it went like this,
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Speaker 3: Hi V, I'm a single mum, a teacher. I'm renting
1:20
Speaker 3: my house out on Airbnb whilst I've moved back in
1:23
Speaker 3: with my parents and I have made an extra forty
1:26
Speaker 3: one thousand dollars in twelve months from being on Airbnb
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Speaker 3: money diarist forty one grands, basically someone's whole salary.
1:35
Speaker 1: What the heck?
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Speaker 4: Yeah, it's ver pretty amazing. And I actually got the
1:39
Speaker 4: idea from one of your podcasts.
1:40
Speaker 3: I'm going to hit up Airbnb for a sponsorship. I'm
1:43
Speaker 3: going to be like, hi, mbab, it's me. I'm basically
1:45
Speaker 3: funding your entire business at this point.
1:47
Speaker 1: Yeah.
1:48
Speaker 4: I think it was Georgia or Jess that just said
1:50
Speaker 4: that one of their brothers was doing it on the weekend. Yeah,
1:53
Speaker 4: and I just going, oh, that's actually a great idea.
1:55
Speaker 4: I'll give that a go and see.
1:57
Speaker 3: Oh my gosh, So how did that go with you?
1:59
Speaker 3: I guess having to move back in with your parents
2:01
Speaker 3: and stuff like.
2:02
Speaker 4: It wasn't ideal. We built our house over like during COVID,
2:07
Speaker 4: and we were only in it for six months before
2:09
Speaker 4: we separated, which was unfortunate, but it was a bit hectic.
2:13
Speaker 4: I had decided to do the airbnb literally just before
2:17
Speaker 4: I moved back home with mum and dad, and I
2:20
Speaker 4: had my first booking ready to go, and he hadn't
2:23
Speaker 4: moved his stuff out just yet, so it was literally awkward.
2:27
Speaker 4: He moved out one day and then the booking was
2:29
Speaker 4: the very next day, and it was like mayhem. It
2:32
Speaker 4: was like an episode of the Block where they're getting
2:34
Speaker 4: all their life stuff Freddy. Yeah, so my parents even
2:38
Speaker 4: helped me with that. His mum helped me as well.
2:40
Speaker 1: Oh my gosh, a door.
2:42
Speaker 3: All right, I want to know before we get further
2:44
Speaker 3: into it, because I've got so many questions. I feel
2:46
Speaker 3: like you've just given us so many like tipbits and
2:48
Speaker 3: like things that I'm like, are the spoilers?
2:50
Speaker 1: I think they are? But money dos?
2:53
Speaker 3: What grade would you give your money habits if I
2:54
Speaker 3: asked you to grade them from A through to F.
2:57
Speaker 4: I was talking with my partner about this last night,
3:00
Speaker 4: and I think it being minus.
3:03
Speaker 3: All right, well let's learn more about it. My favorite
3:05
Speaker 3: question in the entire universe, money diarist. Can you tell
3:09
Speaker 3: me a little bit more about your money story?
3:12
Speaker 4: Yeah? So, growing up it's very middle class family. My
3:16
Speaker 4: parents were divorced when I was nine months old. That
3:18
Speaker 4: my stepdad was in the picture from like two, and
3:21
Speaker 4: we never wanted for anything, so we you know, did
3:24
Speaker 4: music lessons, did dance class, but money wasn't really talked
3:27
Speaker 4: about at all. So when I was eighteen. My mum
3:31
Speaker 4: recommended I got a credit card because then you'd get
3:34
Speaker 4: a good credit score, even though that's not what we
3:36
Speaker 4: do in a tire as I've.
3:38
Speaker 1: Learned, that's fine.
3:38
Speaker 3: She was doing the best she could with the resources
3:41
Speaker 3: and knowledge she had.
3:42
Speaker 4: Yep, financial literacy. Interesting. Yeah, but I was lucky that
3:45
Speaker 4: I didn't actually splurge too much. I paid it off
3:48
Speaker 4: every month. I had like a four grand loan towards
3:52
Speaker 4: my car, and yeah, I paid it off consistently. So
3:56
Speaker 4: my money story, yes, that's pretty much it. I think
4:00
Speaker 4: I've always been a really good saver. So I ended
4:02
Speaker 4: up saving like one hundred grand towards.
4:05
Speaker 1: My first house. No you didn't.
4:07
Speaker 4: Yeah, I've built twice. I was with my first boyfriend
4:11
Speaker 4: for like nine years, so we built out in the
4:14
Speaker 4: Racklyn area anyway, like we'd separated, and I got a
4:19
Speaker 4: settlement out of that, and then I ended up paying
4:21
Speaker 4: my hegsteat off with it because I wanted to be
4:24
Speaker 4: debt free. Reconnected with my high school sweetheart ten years later,
4:28
Speaker 4: we got back together and got married, had our little munchkin.
4:31
Speaker 1: No you didn't, that's so sweet.
4:35
Speaker 3: Yeah, I know you have a bam beanie together, we too,
4:38
Speaker 3: but then it's ended.
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Speaker 1: So what that was a roller coaster?
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Speaker 4: It was crazy, right, He ended up cheating and leaving
4:46
Speaker 4: me for a twenty three year old, so it was like.
4:49
Speaker 1: Got to work out in the long term really nicely
4:51
Speaker 1: for him.
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Speaker 4: Yeah, but I mean I'd realive it every day just
4:53
Speaker 4: to have her.
4:54
Speaker 3: So yeah, no, one hundred percent, Like, yeah, straight in
4:57
Speaker 3: the bin with that, man, I love it.
4:58
Speaker 1: Or tell me a bit more.
5:00
Speaker 3: You mentioned you got a credit card at eighteen and
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Speaker 3: a four thousand dollar loan for a car, and I
5:04
Speaker 3: feel like these are things that in people's money stories
5:08
Speaker 3: can send you one of two ways, and it sounds
5:10
Speaker 3: like it sent you down the route of just being
5:11
Speaker 3: a really good saver. And you were like, I have
5:13
Speaker 3: these financial responsibilities, I'm going to pay them off, and
5:15
Speaker 3: you know, I've got a credit card and going to
5:17
Speaker 3: pay that off monthly. Whereas some people go down that route,
5:21
Speaker 3: get a credit card, end up in mass amounts of debt.
5:23
Speaker 3: They might get a car loan of four grand and
5:24
Speaker 3: then four grand turns into eight grand, and like things compound,
5:28
Speaker 3: Where did you learn to save? Because being able to
5:30
Speaker 3: save on a teacher's salary one hundred thousand dollars is
5:34
Speaker 3: body impressive, but I also really want to learn from that.
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Speaker 4: Yeah, I read The Barefoot Investor a while back, but
5:42
Speaker 4: I think I've just been saving before then anyway, Like
5:44
Speaker 4: I knew we're going to buy a block of land
5:47
Speaker 4: and then we'd be paying in installments when you're building,
5:49
Speaker 4: so I just wanted to have a buffer. I'd like
5:52
Speaker 4: to say I'm as good at saving right now, but
5:54
Speaker 4: it's changed a little bit with everything. Yeah, I don't
5:58
Speaker 4: actually know where I got it from, to be honest,
6:00
Speaker 4: because it wasn't spoken about. I think I just decided
6:04
Speaker 4: to do it, and I saw that he, my partner
6:06
Speaker 4: at the time, wasn't saving at all, so I made
6:10
Speaker 4: sounds wrong if I save made But I got him
6:13
Speaker 4: to contribute as well, so we were saving for it together.
6:16
Speaker 4: And even though at at one hundred grand it was
6:19
Speaker 4: probably like seventy thousand of it was mine, at least
6:23
Speaker 4: I got him to save.
6:25
Speaker 1: Yeah along the way, that's so good. I love that.
6:28
Speaker 3: Now you've just mentioned in I guess the start of
6:31
Speaker 3: your money story that you had your first partner, you
6:33
Speaker 3: were with them for nine years, and then you got
6:35
Speaker 3: with your high school sweetheart, which took me on an
6:37
Speaker 3: absolute roller coaster, had a baby. But how did you
6:41
Speaker 3: come out of both of those relationships financially stable?
6:45
Speaker 4: So with the first one, we were engaged, we hadn't
6:49
Speaker 4: lived together before, and I would not recommend that again,
6:54
Speaker 4: but I just felt like it was a bit of
6:56
Speaker 4: a controlling relationship, and I decided to end it, and
7:00
Speaker 4: we decided that he would buy me out of the house.
7:03
Speaker 4: So we kept negotiating back and forth, and yeah, I
7:07
Speaker 4: walked away from it fairly well, it was still a loss,
7:09
Speaker 4: but to walk away with seventy seven grand at the
7:12
Speaker 4: end of it.
7:12
Speaker 3: Okay, so it's kind of clean, but also probably not
7:16
Speaker 3: taking into consideration too much else, yes, exactly.
7:20
Speaker 4: And then I've paid off the thirty grand left owing
7:23
Speaker 4: on my hex debt. I'd always been contributing, like the
7:25
Speaker 4: voluntary contribution, Yeah, the contributions along the way, so it
7:29
Speaker 4: wasn't too high. And then when I reconnected with my
7:33
Speaker 4: high school sweetheart, we ended up going to America and
7:36
Speaker 4: traveling a bit. We had separate accounts, so that was
7:39
Speaker 4: all separate, but he put his on a credit card
7:42
Speaker 4: and I didn't put.
7:43
Speaker 1: Mine on a credit card. That's okay.
7:45
Speaker 4: Yeah, And there were a few flags along the way.
7:48
Speaker 4: So I found out, probably about I want to say,
7:54
Speaker 4: twelve months in, that he had sixty grand worth of debt,
7:57
Speaker 4: which I feel like now I would be saying that
8:00
Speaker 4: at the very start of a relationship, like communicating upfront
8:03
Speaker 4: about finances. So we decided that I would pay our
8:07
Speaker 4: rent when we moved in together. I'd pay the rent,
8:09
Speaker 4: I'd pay the utilities, and he just worked on paying
8:11
Speaker 4: down the debt.
8:12
Speaker 1: Okay, do you know what.
8:13
Speaker 3: I think that a lot of people will go, what
8:15
Speaker 3: the hell were you doing? Money, diarist, But if you're
8:18
Speaker 3: reconnecting with somebody and you're like, I see future with
8:21
Speaker 3: this person, you obviously trusted them enough to have an
8:23
Speaker 3: actual child with them. I'm assuming that when that decision
8:27
Speaker 3: was made, it was because you were going to be
8:29
Speaker 3: life partners, not because you were going to, you know,
8:32
Speaker 3: just let this man freeload off you, right exactly.
8:35
Speaker 1: Yeah, So what happened next We.
8:37
Speaker 4: Rented two separate places together, and then we ended up
8:42
Speaker 4: deciding when my daughter was three months old, that we
8:45
Speaker 4: would move back in with my parents because building and
8:49
Speaker 4: paying rent was just going to be an absolute fortune yep.
8:52
Speaker 4: Because the block of land was also quite expensive.
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Speaker 3: Yep.
8:55
Speaker 4: And then COVID happened and the building process slowed down,
8:59
Speaker 4: so instead of being there for one year, we were
9:01
Speaker 4: there for three. It was very trying, but we both
9:04
Speaker 4: had jobs where he could leave the house. I think
9:07
Speaker 4: he probably would have ventured a lot sooner if he
9:09
Speaker 4: wasn't able to leave the house.
9:11
Speaker 1: Yep.
9:11
Speaker 4: Fair being with the endless. Yeah, but I get on
9:14
Speaker 4: with my parents really well, and it's great having a
9:16
Speaker 4: support network takes a village. Yeah, and then we moved
9:22
Speaker 4: into our place in November twenty twenty two, and then
9:26
Speaker 4: we were in here for about six months, and Yeah,
9:29
Speaker 4: it got to like May, and she said that he
9:33
Speaker 4: wanted a divorce and there was no talking about it.
9:37
Speaker 4: I go into a marriage believing that you tried to
9:40
Speaker 4: make it work, like you might go to therapy or
9:42
Speaker 4: like you hash it out. So I was a bit
9:46
Speaker 4: taken aback by that.
9:47
Speaker 3: Obviously, did you know the whole circumstance, like as to
9:50
Speaker 3: why he was no okay? So that would have taken
9:53
Speaker 3: you even more by I guess chance you would have
9:56
Speaker 3: been like, well, what the hell, like, can't we work
9:58
Speaker 3: on this?
9:58
Speaker 1: And he in the backgrounds like, no, I have a
10:00
Speaker 1: new family.
10:03
Speaker 4: Prest too much. It was like total blindsight.
10:05
Speaker 1: Oh my gosh, I'm so sorry, my whole heart.
10:08
Speaker 4: Oh oh look, I'm so happy now.
10:11
Speaker 3: Oh yeah he's out, he's canceled. We don't care about
10:14
Speaker 3: this man, No, absolutely not. How did you then find
10:16
Speaker 3: out somebody else was involved?
10:18
Speaker 4: So it was fun. There are a few different things.
10:22
Speaker 4: So he actually brought her up to me because we
10:25
Speaker 4: were cohabitating still. Yeah, for I think it was like
10:28
Speaker 4: two months after Yeah, because the first reason he'd given
10:31
Speaker 4: was just that he was finding himself. He hadn't felt
10:34
Speaker 4: like himself since he was twelve. I was like, okay,
10:37
Speaker 4: that's news to me. He'd had depression, but he hadn't
10:39
Speaker 4: medicated for it, and he just started taking these tablets
10:42
Speaker 4: and said, you know what, I've started taking the tablets
10:45
Speaker 4: and now I feel nothing for you. I was like, wow, okay,
10:48
Speaker 4: well how about we go back to the doctor and.
10:50
Speaker 1: We talked to our doctor because that's not normal, right.
10:53
Speaker 4: Yeah, let's not give up on a marriage.
10:56
Speaker 3: Yeah.
10:56
Speaker 4: And then a couple of weeks later he mentioned her
11:00
Speaker 4: and okay, that sounds really soon, and yeah, it wasn't great.
11:06
Speaker 4: He was basically going to her house on the weekends,
11:09
Speaker 4: and then because his car was broken, he was parking
11:11
Speaker 4: her car out the front of her house because she
11:13
Speaker 4: had two vehicles so he could use one of hers,
11:16
Speaker 4: and I was just like, you need to leave this house,
11:18
Speaker 4: like this is toxic. We were really good in front
11:21
Speaker 4: of our daughter, like yeah, there was no swearing, carrying
11:23
Speaker 4: on or anything, but it hurt a lot. Like every
11:26
Speaker 4: time to see her car out the front of our house,
11:29
Speaker 4: I was like, how is this happening? It was really surreal.
11:32
Speaker 1: That's wild. What a douchebag.
11:36
Speaker 3: Yeah, I'm so glad you're out of that circumstance. You
11:39
Speaker 3: deserve so much better. But it blows my mind, like
11:41
Speaker 3: the male audacity, like I've supported you, like I've gotten
11:46
Speaker 3: you out of debt, Like he's probably still in debt.
11:48
Speaker 1: Let's be honest, because I know he is.
11:50
Speaker 3: Yeah, there you go exactly, Like do you know what,
11:53
Speaker 3: He's one of the few people that deserves it. Yeah,
11:58
Speaker 3: my monkey is all right, tell me a little bit
12:00
Speaker 3: more about you, less about him. I want to know
12:02
Speaker 3: what do you do for work? How much money do
12:04
Speaker 3: you earn? Yeah?
12:05
Speaker 4: So I am a Grade five teacher and I earned
12:09
Speaker 4: just under one hundred and fourteen K a year, including super.
12:13
Speaker 1: Oh that's good.
12:14
Speaker 4: Yeah, I've been teaching for ten years, so yeap deserved.
12:18
Speaker 4: And I started renting out the house on Airbnb. So
12:22
Speaker 4: I've made about thirty five k on Airbnb and then
12:25
Speaker 4: the rest of the other four grand was made up
12:27
Speaker 4: from booking dot Com, which I decided to also do.
12:29
Speaker 1: Yeah, go hard to go home. I love you.
12:31
Speaker 4: Yeah, that's it.
12:33
Speaker 1: Tell me a bit about that.
12:34
Speaker 3: Though, because I'm interested in just understanding how airbnb works,
12:38
Speaker 3: because I feel like in the media at the moment,
12:39
Speaker 3: especially over the last few weeks, and I know you're
12:41
Speaker 3: in Victoria, but we've been talking a lot about this
12:45
Speaker 3: introduction of the seven and a half percent airbnb tax.
12:49
Speaker 1: What are your takes on that? How does that all work?
12:52
Speaker 4: It definitely makes an impact. Like already I'm paying tax
12:56
Speaker 4: for the first time this year. Normally you get tax back.
12:58
Speaker 4: That's not chance for me out all this here and
13:01
Speaker 4: having that extra seven point five percent with it come in,
13:05
Speaker 4: it's probably not looking viable to keep going with it.
13:09
Speaker 4: To be honest, I would rather either sell the house
13:12
Speaker 4: or rent it out permanently because it is like having
13:15
Speaker 4: two jobs, Like because I clean up myself.
13:18
Speaker 3: Yeah, there you go package. So I want to ask
13:21
Speaker 3: a bit more about it. Because this Airbnb tax of
13:24
Speaker 3: seven and a half percent is being introduced in the
13:27
Speaker 3: hopes that it will free up more long term rentals
13:30
Speaker 3: from short term rentals. What does that actually look like
13:34
Speaker 3: for you? Would this mean that you can afford to
13:36
Speaker 3: rent it out to people at a reasonable amount or
13:39
Speaker 3: you know you mentioned before. I think I might have
13:40
Speaker 3: to sell it like that defeats the purpose from my perspective.
13:45
Speaker 4: I have a high mortgage. I would rather be able
13:48
Speaker 4: to save a lot more, and I know that I
13:50
Speaker 4: won't be able to meet the mortgage with just the
13:54
Speaker 4: rental income. That's not going to happen.
13:56
Speaker 1: No, absolutely not.
13:57
Speaker 4: Yeah, exactly, So I think it's a bit tricky. Obviously,
14:02
Speaker 4: you can't time the market. So I will either rent
14:05
Speaker 4: it out for twelve fourteen months and then see what
14:10
Speaker 4: the market's like, maybe rented out for another year, or
14:13
Speaker 4: I'll try and list it. I haven't decided yet, but
14:15
Speaker 4: I'm going to make the final call, probably December or January.
14:19
Speaker 3: Yeah, that's fair. Anyway, let's move on from that. I
14:21
Speaker 3: feel like that's really exciting. You've bought a house, like
14:24
Speaker 3: you still own a house, but what's your big money goal?
14:26
Speaker 3: What are you currently working towards?
14:28
Speaker 4: Big money goal at the moment is to actually get
14:30
Speaker 4: my mortgage to start with a seven, not an eight.
14:32
Speaker 1: Yep, that feels nice. That will take some pressure off.
14:35
Speaker 4: Well, I'm very close to doing that now it's sitting
14:38
Speaker 4: at eight hundred and six. But then you obviously get
14:41
Speaker 4: the mortgage interest payments and then it's like, oh and
14:44
Speaker 4: now we're back to eight ten. Yeah, but that's one
14:47
Speaker 4: of my big money goals. And then next would be
14:50
Speaker 4: investing more. I've started to, but I want to get
14:53
Speaker 4: into it a lot more than I am and do
14:54
Speaker 4: it consistently.
14:55
Speaker 1: What would that look like?
14:56
Speaker 4: So at the moment, I have some automatic payments set up,
14:59
Speaker 4: I don't have them for investing. So my treats to
15:03
Speaker 4: myself when our financial agreement was all done was two
15:08
Speaker 4: bioshares in my own name.
15:10
Speaker 1: So I did that, Koween. How did you buy those?
15:13
Speaker 4: I did it through IBKR, it's interactive brokers.
15:16
Speaker 1: Yeah.
15:16
Speaker 4: I got onto them through my brother, who's obsessed with
15:20
Speaker 4: Tesla and investing and things like that.
15:22
Speaker 1: Helpful person to have in your life.
15:24
Speaker 4: Yeah, he's good with economics and everything. So I went
15:28
Speaker 4: to him for advice on that one. And also I
15:31
Speaker 4: don't know, like the last twelve months has been a
15:33
Speaker 4: roller coaster and.
15:34
Speaker 1: Actually understandably so.
15:36
Speaker 4: Yeah, paying the lawyer fees which actually went as higher
15:39
Speaker 4: compared to other stories I've heard, yeah, recently. But getting
15:43
Speaker 4: the house in my name was a very stressful event.
15:47
Speaker 4: I was very lucky my dad actually helped me with that.
15:51
Speaker 4: So my ex and I came to an agreement. He
15:53
Speaker 4: wanted one hundred grand to get out of the property,
15:56
Speaker 4: and I obviously didn't have a fare hundred grand in
15:59
Speaker 4: my back pockets. So my dad gifted me fifty grand,
16:05
Speaker 4: which I know is total privileged.
16:07
Speaker 1: Yeah, but also like I'm so glad you had access
16:10
Speaker 1: to that.
16:10
Speaker 4: Yeah, And the other fifty grand was made up of
16:13
Speaker 4: basically he never has to pay child support ever. Again,
16:16
Speaker 4: like we looked at wages and I know, like the
16:19
Speaker 4: assessments changed constantly, but him owning his own small business,
16:24
Speaker 4: it was going to be hard to chase him up
16:26
Speaker 4: for payments regardless.
16:27
Speaker 3: I'm just being judgy because I don't like what he's
16:30
Speaker 3: done to you, Like, sorry, your money, darst.
16:33
Speaker 1: We're basically best. He's now dirty. I hate him. He's
16:36
Speaker 1: cut he's done. No, you don't deserve this.
16:38
Speaker 4: Yeah, And basically I got the house put in my
16:41
Speaker 4: name a week before interest rates went up, and it
16:43
Speaker 4: was the timing was insane, like I wouldn't have been
16:48
Speaker 4: able to get across the line.
16:49
Speaker 3: No, absolutely not like it got in. But also it
16:51
Speaker 3: felt like a kick in the darts. But you also
16:53
Speaker 3: wouldn't have got it put into your name if it
16:55
Speaker 3: hadn't happened at that point in time.
16:57
Speaker 1: The world is a funny place to live.
16:59
Speaker 4: Yeah, it was ents.
17:01
Speaker 1: Oh my gosh.
17:02
Speaker 3: All right, well let's go to a really quick break
17:03
Speaker 3: because on the flip side, I actually want to ask
17:05
Speaker 3: you a few more questions about IBK and how you're
17:08
Speaker 3: investing and what the future of that looks like. Don't
17:10
Speaker 3: go anywhere, guys. All right, money diarist, we are back,
17:18
Speaker 3: and I want to talk more about investments less about
17:21
Speaker 3: your Dogyx. Although I feel like it's interesting when we
17:26
Speaker 3: have these conversations, especially because it's so fresh, like it's
17:29
Speaker 3: so part of your money conversation and your money story,
17:32
Speaker 3: and I really want to, you know, even ask more
17:34
Speaker 3: about this child support stuff you mentioned before.
17:37
Speaker 1: But let's go with investments. First.
17:39
Speaker 3: You mentioned you're investing with IBKR. What amount did you invest?
17:44
Speaker 3: What's the plan there? You mentioned you don't have anything automated, Like,
17:48
Speaker 3: at what point will you do that? Because it sounds
17:51
Speaker 3: like you're probably doing absolutely fine, but given the Airbnb
17:55
Speaker 3: tax and your tax is coming up soon and interest rates,
17:59
Speaker 3: I'm assuming like money isn't the easiest thing in the
18:01
Speaker 3: entire world right now, and it's a bit of a
18:03
Speaker 3: juggling act.
18:04
Speaker 4: One hundred percent. Yeah, and I feel like I knew
18:07
Speaker 4: that i'd be paying tax, but at the same time,
18:10
Speaker 4: I don't think I put enough away, And so at
18:13
Speaker 4: the moment, I'm actually using one of your money hacks,
18:16
Speaker 4: the ten K save up one oh adore to make
18:19
Speaker 4: sure I've got that sitting there. Four taps.
18:21
Speaker 3: I need to rebrand them so they're even fancier for
18:24
Speaker 3: your fridge as they're great.
18:27
Speaker 4: So the first thing I wanted to do was literally
18:30
Speaker 4: specifically by Tesla shares. So I have four of those,
18:35
Speaker 4: and I have four shares in AMD as well. So
18:39
Speaker 4: at the moment, it's sitting at two point five k
18:42
Speaker 4: in investments. I used to look at it every single day.
18:45
Speaker 4: Right now I don't listening to the podcast. I'm just
18:48
Speaker 4: like no, let it sit there. It's fine. It's not
18:50
Speaker 4: a loss unless you've sold for a loss. Yeah, but
18:53
Speaker 4: I think I would like to automate it so that
18:54
Speaker 4: pretty much every pay cycle some of it's going into
18:57
Speaker 4: that platform, so that I can invest it straight away.
19:00
Speaker 4: And I want to diversify it more and look into ETFs.
19:03
Speaker 4: That would be a goal.
19:04
Speaker 3: Now you mentioned you're invested in AMD. Is that on
19:09
Speaker 3: the Australian Stock Exchange or is that an American stock exchange?
19:13
Speaker 4: Americansges?
19:14
Speaker 3: Okay, So tell me what AMD is because here in
19:16
Speaker 3: Australia AMD is Arrow Minerals and I'm very confused as
19:21
Speaker 3: to why you would buy Arrow Minerals and Tesla, Like
19:24
Speaker 3: those ethics aren't ethicching for me right now? I was like, no,
19:28
Speaker 3: that doesn't make sense, Like that story doesn't check out.
19:30
Speaker 3: I'm pretty sure AMD is something else.
19:33
Speaker 4: No, AMD is different. My brother got me into it.
19:37
Speaker 4: He'd already made like twenty k and AMD shays and
19:41
Speaker 4: that helped him to put a deposit on his first property.
19:44
Speaker 4: I don't actually know much about them. It's like microchips,
19:47
Speaker 4: like computer chips and things.
19:49
Speaker 3: Yeah, yeah, yeah, I've looked it up. It's advanced micro
19:51
Speaker 3: devices and they do a lot of quote cutting edge
19:54
Speaker 3: AI data centers, business computing solutions, and gaming with AMD processes.
20:01
Speaker 4: Yes, that's it.
20:02
Speaker 1: That's why I love that, and I love that.
20:04
Speaker 3: I guess you've got someone in on that that's probably
20:06
Speaker 3: done all of the research into flow.
20:08
Speaker 1: And you're like, you know what, I would just ride
20:10
Speaker 1: this wave with you. I trust you. This makes sense.
20:13
Speaker 4: Yeah, the amount of spreadsheets my brother has is crazy.
20:16
Speaker 1: I've probably got along with him.
20:17
Speaker 3: He sounds like a good boy if he likes spreadsheets
20:19
Speaker 3: ten out of ten. I want to talk about debt.
20:22
Speaker 3: You mentioned before that your mortgage starts with an eighth rite.
20:25
Speaker 3: Now you drop to the number like eight ten, you
20:28
Speaker 3: want to get it down to seven hundred. But can
20:30
Speaker 3: you give me a little bit more info? One, do
20:32
Speaker 3: you have any other debts?
20:33
Speaker 1: But two? What's your house worth?
20:36
Speaker 4: Like?
20:36
Speaker 3: When did you purchase it? All of the nitty gritty
20:38
Speaker 3: so we can understand where it's standing.
20:40
Speaker 4: Yeah, so at the moment, it's valued at one point two.
20:44
Speaker 1: Oh nice for some Yeah.
20:47
Speaker 4: I think realistically it's more like one to one point one.
20:51
Speaker 4: But it's nice because, yeah, then you've got the equity
20:53
Speaker 4: if you need it. But yeah, at the moment, it's
20:55
Speaker 4: eight hundred and six.
20:56
Speaker 1: Owing on it.
20:58
Speaker 4: So my mortgage is about four and a half a month,
21:01
Speaker 4: which is a lot.
21:03
Speaker 3: Yes, that is a lot, but I mean you're sitting
21:05
Speaker 3: on what nearly four hundred thousand dollars worth of equity,
21:09
Speaker 3: so that is nice.
21:11
Speaker 4: Yeah, not too shabby.
21:12
Speaker 1: How does fitting that mortgage repayment into your salary go?
21:16
Speaker 1: Is it tied?
21:17
Speaker 3: Is it something that you're like, yep, that works? Like
21:19
Speaker 3: what's that looking like at the moment?
21:21
Speaker 4: Yeah, it's not tight, but it's it's not as good
21:23
Speaker 4: as it was last year based on all the rate increases.
21:27
Speaker 4: So I pay fortnightly. I get paid fortnightly as well,
21:31
Speaker 4: so it just comes out then I don't see it,
21:33
Speaker 4: and I'm left with about nine hundred the next day
21:37
Speaker 4: after my mortgage comes out. Yeah, and then obviously I'm
21:40
Speaker 4: also paying the bills for the house, and I contribute
21:44
Speaker 4: a third towards bills at my parents' house, so there's
21:48
Speaker 4: always bills coming in. Yeah.
21:51
Speaker 1: Do you have any other personal debt?
21:53
Speaker 4: No? None.
21:54
Speaker 3: Before the break you said, hey, I let my ex
21:58
Speaker 3: partner Douche canoe boy, have you know the fifty grand?
22:01
Speaker 3: And now he doesn't have to pay child support. How's
22:04
Speaker 3: that playing into effect? Like is that good financial decision?
22:08
Speaker 3: Is it a bad financial decision? Like is it something
22:11
Speaker 3: that you're like, I don't care, I just want to
22:13
Speaker 3: get rid of him. But what does that look like?
22:15
Speaker 4: Basically, while she's at kindy still, he will contribute a
22:19
Speaker 4: third of her kindy costs, So he contributes about two
22:23
Speaker 4: hundred dollars a month for those That's nice.
22:26
Speaker 3: I didn't realize children were so cheap, Like, I'm having
22:28
Speaker 3: one soon. If it's only going to cost me what
22:30
Speaker 3: like six hundred dollars a month and money win, Like,
22:33
Speaker 3: that's a good deal.
22:34
Speaker 1: She goes like.
22:35
Speaker 4: Three days a week and we've got family that help
22:37
Speaker 4: on other days, which is great. And when you've got
22:40
Speaker 4: the government childcare subsidy as well, it cuts it down.
22:43
Speaker 4: So but then once she starts school next to you,
22:45
Speaker 4: that will stop. And basically we just agreed that, like
22:49
Speaker 4: if there's huge medical costs or anything like the excursions
22:53
Speaker 4: or camps, we will go fifty to fifty yep. But
22:56
Speaker 4: besides that, Yeah, he doesn't have to pay any child's port.
23:00
Speaker 4: I got the house up at the end of the day.
23:01
Speaker 3: I'm not You're like, I am actually the winner here
23:04
Speaker 3: because there's a cheeky nearly four hundred thousand dollars worth
23:07
Speaker 3: of equity in there, and that cost you one hundred grand,
23:09
Speaker 3: So like that's a money win. Is that also because
23:13
Speaker 3: he earns a different amount like you said earlier in
23:15
Speaker 3: the episode, you're one hundred and fourteen k including souper,
23:19
Speaker 3: Is he earning a similar amount or less or what
23:22
Speaker 3: does that look like to make that make sense.
23:25
Speaker 4: I don't know what his finances look like now, Like
23:28
Speaker 4: I do get the assessment but comes back, but I
23:31
Speaker 4: don't know how accurate that assessment actually is because he's
23:34
Speaker 4: not one to do his taxes right on time or anything.
23:37
Speaker 1: Yeah tooke, I love this.
23:38
Speaker 3: Yeah, turn out of ten red flag, red flag, crimson flag.
23:44
Speaker 1: There's multiple of them.
23:45
Speaker 3: I thought it meant that there was a party, so
23:47
Speaker 3: I was interested.
23:49
Speaker 1: So many flags, so much fun.
23:51
Speaker 4: Yeah, he was earning about ninety K when we were together,
23:55
Speaker 4: and then he gave his job in wanted to work
23:58
Speaker 4: full time, be his own boss, so that went right
24:01
Speaker 4: down to forty grand straight away. And it was going
24:04
Speaker 4: to be very tight, like I think I heard from
24:07
Speaker 4: child support, and it was going to be basically sixty
24:09
Speaker 4: dollars a week.
24:10
Speaker 1: Yeah, okay, not worth it. I'll take the house, thank you.
24:12
Speaker 1: Yeah exactly.
24:13
Speaker 4: I was like, you're kidding, And that ended up literally
24:17
Speaker 4: just being shy of fifty grand until she's eighteen.
24:20
Speaker 1: Yeah, okay, that's fair.
24:21
Speaker 3: And when it comes to I guess actual childcare, do
24:24
Speaker 3: you have her fifty to fifty or is that more
24:27
Speaker 3: your primary care giver?
24:28
Speaker 4: Because of that, I am the primary care giver.
24:31
Speaker 1: I'm not surprised to his credit.
24:33
Speaker 4: I think he's actually been a better father since the separation.
24:37
Speaker 1: Yeah, because there's like not that many lies that you're
24:39
Speaker 1: hiding now, sir.
24:41
Speaker 4: Yeah, that was like the hardest part. When he said
24:44
Speaker 4: he wanted a divorce. I was like, I can't see
24:47
Speaker 4: my child fifty fifty No. Absolutely, then, yeah, especially when
24:50
Speaker 4: like I know that I did like ninety five percent.
24:52
Speaker 1: Of the work with her exactly.
24:54
Speaker 4: He was totally fine to sign off on seventy five
24:57
Speaker 4: percent for me and twenty five for him, And that
24:59
Speaker 4: was when we were doing all the finances in the settlement.
25:02
Speaker 4: And then he's wanted more time with her, yep, and
25:06
Speaker 4: I don't want to keep her from him. We balance
25:08
Speaker 4: it pretty good. He has her three nights one week,
25:11
Speaker 4: two nights.
25:12
Speaker 1: The following week. Okay, that seems like a good balance.
25:15
Speaker 3: And to be honest, as a single mum, it might
25:17
Speaker 3: be nice as much as we love our kids and
25:19
Speaker 3: want them around all the time, like just having a
25:21
Speaker 3: bit of breathing room might be a nice thing, right, Yeah.
25:24
Speaker 4: It's true. My partner and I like, he's also got
25:28
Speaker 4: a child, so we can match up the weekend.
25:30
Speaker 1: It's weesome. Tell me, I want to be pervy. You've
25:33
Speaker 1: got a new partner.
25:34
Speaker 4: Yeah, it's still fairly new. We're five months in.
25:38
Speaker 3: Yeah, but if you've got kids, I feel like people
25:40
Speaker 3: with kids take things more seriously because they're like, I'm
25:42
Speaker 3: not going to get kids involved unless this woman's legit.
25:46
Speaker 1: So that's a good thing.
25:49
Speaker 4: Yeah, just met her.
25:50
Speaker 1: Oh, I'm so excited for you. All right.
25:53
Speaker 3: I want to know, let's keep on with the episode.
25:55
Speaker 3: I keep getting railroaded.
25:57
Speaker 1: I want to know, what is your best money habit,
26:00
Speaker 1: best money.
26:00
Speaker 4: To have it? I would say using shot back has
26:04
Speaker 4: saved me about four hundred and fifty dollars.
26:06
Speaker 1: Four hundred and fifty bucks.
26:08
Speaker 4: Yeah, like buying a mattress, and like the extra would
26:12
Speaker 4: go from shot back and you're just like, Wow, Like
26:14
Speaker 4: being purchases money has really helped. Yeah, but even like
26:17
Speaker 4: the small ones as well, Like if I'm shopping at
26:20
Speaker 4: the iconic the.
26:21
Speaker 3: Dress I'm wearing today, I got so much cash back
26:23
Speaker 3: on money in it was basically free.
26:26
Speaker 4: And you should buy the voucher and then also get
26:29
Speaker 4: shot back as well.
26:30
Speaker 1: See, you're a genius.
26:32
Speaker 4: I only last it from you.
26:35
Speaker 1: That's why I'm calling your a genius. I'm like, who
26:36
Speaker 1: would come up with that idea?
26:38
Speaker 4: Wow?
26:38
Speaker 1: Crazy exactly.
26:41
Speaker 4: I also use like the seven eleven fuel.
26:42
Speaker 3: App as Oh my gosh, I'm obsessed with the seven
26:44
Speaker 3: eleven fuel app.
26:45
Speaker 1: Do you like fuel lock or are you.
26:47
Speaker 3: Looking at like the sandwich prices, because like the other
26:49
Speaker 3: day they sent me a notification they were like, all
26:52
Speaker 3: our sandwiches are four dollars for the week, and I
26:54
Speaker 3: was like, excuse me, that's such a good deal. So
26:56
Speaker 3: I had seven eleven sandwiches for an entire week for lunch.
26:59
Speaker 1: I'm not mad.
27:00
Speaker 4: Mine's just for the fuel lock at the moment, but
27:02
Speaker 4: that's a good saving there with the sandwiches.
27:04
Speaker 3: How often do you check your fuel lock? Are you
27:06
Speaker 3: like rechecking it seeing if there's anywhere cheaper?
27:09
Speaker 4: Well, yeah, I have been, but I tend to lock
27:12
Speaker 4: it in like probably like a Tuesday or Wednesday, and.
27:15
Speaker 1: That's when the fuel's the best price.
27:17
Speaker 4: Yes, exactly. And then some areas are just always cheaper
27:20
Speaker 4: than others, So I'll lock it in when I'm at
27:22
Speaker 4: home compared to my partner's place because it's just cheaper
27:25
Speaker 4: out my way.
27:26
Speaker 2: Yeah.
27:26
Speaker 3: For those of you who don't know what we're talking about,
27:28
Speaker 3: like when you go on the app, it only shows
27:30
Speaker 3: you the five seven eleven's closest to you. So like
27:33
Speaker 3: when my husband's driving and we're driving through different locations,
27:36
Speaker 3: I like to get to see if it changes and
27:39
Speaker 3: I'm like, oh, got that one. Like it's like the
27:41
Speaker 3: adult version of you remember the Pokemon game.
27:45
Speaker 1: Yeah, it's like that, but better.
27:49
Speaker 3: You would save the actual money and you look, that's
27:51
Speaker 3: crazy exactly.
27:53
Speaker 4: Like that show was like two dollars thirty last week
27:55
Speaker 4: and I got it for a dollar eighty nine.
27:56
Speaker 3: I'm like money, wait behavior, And it's not even the
27:59
Speaker 3: money win. It's like that sense of grandeur that you get.
28:02
Speaker 3: You're like I am so good, Like I'm basically a genius.
28:07
Speaker 4: That's great.
28:08
Speaker 1: I adore it. I do want to bring the mood
28:10
Speaker 1: down though, what's your worst money habit?
28:13
Speaker 4: Worst when I have it with the I think budgeting.
28:16
Speaker 4: So even though my brother's great with spreadsheets, I'm not.
28:20
Speaker 4: So I think being consistent with a budget. And it
28:23
Speaker 4: also makes it a bit tricky because like when you've
28:25
Speaker 4: got Airbnb and booking dot com, it's like getting paid
28:28
Speaker 4: multiple times in a week.
28:29
Speaker 1: Or it's hard to track.
28:30
Speaker 4: Hey, yeah, well I've got like a separate bank account
28:33
Speaker 4: just for the AIRBNBA.
28:35
Speaker 3: I was going to say, do you have separate banking
28:37
Speaker 3: Please tell me you do to be track of it.
28:38
Speaker 4: Good queen, Yep, I'll end up not being consistent enough.
28:44
Speaker 4: I use up bank and so I have different savers.
28:48
Speaker 4: But I just feel like I need to set up
28:49
Speaker 4: more automatic payments. But because it's so variable with how
28:52
Speaker 4: much money comes in each week with the Airbnb, yeah,
28:56
Speaker 4: sometimes consistent.
28:58
Speaker 1: Yeah yeah no.
28:59
Speaker 3: And you said before that you get paid fortnightly, so
29:02
Speaker 3: you're dealing with that on a relatively short timeframe. So
29:05
Speaker 3: I'm assuming that, like projecting is something that you don't
29:08
Speaker 3: do a lot of.
29:08
Speaker 4: Yeah.
29:09
Speaker 3: No, So like if Rederick comes up, do you find
29:11
Speaker 3: yourself in a bit of a mad scramble being like
29:13
Speaker 3: Oh my gosh, red Ro's up.
29:13
Speaker 1: But I feel like I paid this last week.
29:15
Speaker 4: I'm not so bad with that.
29:17
Speaker 1: Oh that's me. Yeah, two thousand percent me.
29:20
Speaker 4: No, I do it, like, yeah, the four installments are
29:22
Speaker 4: year yeah.
29:23
Speaker 1: Smart for the REGI.
29:24
Speaker 4: Yeah, so it's not too much of a shock. I
29:26
Speaker 4: know it's going to be in October, so I know
29:28
Speaker 4: it's coming, and I'm starting to get my emergency fund up.
29:33
Speaker 4: I need that to be better. That would be something
29:35
Speaker 4: to work on.
29:36
Speaker 3: See, I need to learn from you because I bought
29:39
Speaker 3: my car back in like twenty ten. It was November,
29:42
Speaker 3: just before Christmas, and I paid my REGRO at that
29:45
Speaker 3: point in time and my insurance and now for the
29:48
Speaker 3: last ten plus years I have been screwed every single
29:51
Speaker 3: November with getting my REDRO. I'm in full because I'm like, oh,
29:55
Speaker 3: I don't want to break it up, like I may
29:56
Speaker 3: as well just pay it. And then straight after I've
29:58
Speaker 3: paid it, they're like, oh, by the way, your insurance
30:00
Speaker 3: has gone up because your car really sucks and you
30:03
Speaker 3: need a new one.
30:04
Speaker 1: But I haven't let go of it.
30:05
Speaker 3: So I get REGI and insurance in the same month,
30:08
Speaker 3: and I mean I do cash flow it don't worry guys, Like,
30:10
Speaker 3: I'm not that bad, but it still hurts.
30:12
Speaker 1: Like even if I've got the money, I don't want
30:13
Speaker 1: to give you the money, you know.
30:15
Speaker 4: Yeah, definitely, Like my car insurance is due at the
30:18
Speaker 4: same time as my house insurance.
30:20
Speaker 1: Yeah, isn't it a joke.
30:21
Speaker 3: It's almost like you set everything up and like did
30:23
Speaker 3: like this financial health check and like cleanse and then
30:26
Speaker 3: all of a sudden, this one month just becomes financial
30:30
Speaker 3: get screwed month.
30:32
Speaker 1: Yeah, Like that's what it feels like. Let's be honest.
30:35
Speaker 3: Yeah, what do you think you could do to be
30:37
Speaker 3: better at budgeting? Like is it about forecasting? Is it
30:40
Speaker 3: planning or what would that look like?
30:42
Speaker 4: Yeah? I think it is like I know that the
30:44
Speaker 4: big ones that are coming up, Like I know my
30:46
Speaker 4: rates that you're in February, and I pay them annually
30:48
Speaker 4: because I'd rather just do one big.
30:50
Speaker 1: Hit even though you hit No. I totally get it.
30:52
Speaker 4: Yeah, but also yeah, like budgeting, I was doing the
30:56
Speaker 4: Glenn James spreadsheet, but I just feel like I haven't
30:59
Speaker 4: gone back to it, and I need to do that.
31:02
Speaker 1: I love Glenn James, He's one of my best friends.
31:04
Speaker 1: Let's be honest.
31:05
Speaker 3: I think If you're in the She's on the Money community,
31:07
Speaker 3: you know that Glenn James runs my Millennial Money, which
31:10
Speaker 3: should be my biggest competitor, but he's basically one of
31:12
Speaker 3: my greatest friends.
31:13
Speaker 1: But I'm going to one up him.
31:15
Speaker 3: I'm going to gift you my Budget and cash Flow
31:17
Speaker 3: master Class because it's more automated than Glenn's.
31:20
Speaker 4: I'm secretly hoping you would.
31:22
Speaker 1: I really I love this. Do you know what it worked?
31:24
Speaker 4: You got me and manifested it.
31:26
Speaker 1: So I love this.
31:27
Speaker 3: I'm going to gift you the Money master Class because
31:29
Speaker 3: I feel like it will take it to the next
31:31
Speaker 3: level and like help you project. But it also tells
31:33
Speaker 3: you where to put things in different accounts without you
31:37
Speaker 3: having to like redo it yourself. Like all you have
31:39
Speaker 3: to do is tell me what your expenses are and
31:41
Speaker 3: then it will spit out like a beautiful pie chart
31:44
Speaker 3: and be like, well, this is how you're spending. This
31:45
Speaker 3: is what it looks like. Also, these are the accounts
31:47
Speaker 3: you need to put that money into. And it's got
31:50
Speaker 3: like separate incomes, so you could put your Airbnb income
31:54
Speaker 3: and like change that and see what each month looks
31:56
Speaker 3: like or each fortnite looks like. Because you can change
31:58
Speaker 3: it all, but I think that that will change it.
32:00
Speaker 3: I love that you manifested it, and you're like, I
32:02
Speaker 3: really want it, I really want it.
32:04
Speaker 1: No, adore it.
32:05
Speaker 3: Let's also give the community a little bonus while I'm here.
32:07
Speaker 1: I will set up a code.
32:09
Speaker 3: It will be POD fifty and it will give you
32:11
Speaker 3: fifty bucks off the money masterclass, so you can do
32:13
Speaker 3: it alongside our money diarists. I feel like that's a
32:16
Speaker 3: good one. I'm glad you manifested that, but I adore you,
32:19
Speaker 3: Glenn James. But I also spent nine months building a
32:22
Speaker 3: spreadsheet that would just do the work for my community
32:25
Speaker 3: instead of them having to do it.
32:26
Speaker 1: And I think that's the hardest part, right.
32:28
Speaker 3: Like we can all sit down and write out our
32:30
Speaker 3: budgets and that's very sexy, but then we put it
32:33
Speaker 3: to the side and don't think about it, like I
32:35
Speaker 3: need you to tell me how much do I need
32:37
Speaker 3: to transfer every single week or every single fortnight to
32:40
Speaker 3: that account or I automate that and then it'll work
32:43
Speaker 3: for you and then all you have to do is
32:44
Speaker 3: maybe like check in once a month, then go oh well,
32:47
Speaker 3: actually airbnbing come looked different or it looked the same
32:50
Speaker 3: or it looked less like I feel like that will
32:52
Speaker 3: potentially work a bit better for you also because you're
32:55
Speaker 3: really busy.
32:57
Speaker 4: Yes, I am, Oh for sure.
32:59
Speaker 1: I love this. I feel like I'm so inspired by
33:01
Speaker 1: your story.
33:01
Speaker 3: Like I'm so sorry that your ex was a douche canoe,
33:06
Speaker 3: but that's okay. I feel like you've moved on and
33:08
Speaker 3: it sounds like you're really happy in this new relationship
33:11
Speaker 3: and that makes my whole heart so happy. But it
33:14
Speaker 3: sounds like you've achieved for a lot and you're young,
33:16
Speaker 3: and that is crazy to me. So I want to know,
33:19
Speaker 3: now that we've had a chat, what grade would you
33:21
Speaker 3: give your money habits? Would it still be a B minus?
33:25
Speaker 3: Would you change it? If not, that's okay, But how
33:28
Speaker 3: would we get to an A plus?
33:29
Speaker 4: I think, yeah, B minus to a bee maybe a B.
33:33
Speaker 4: I think what I want to do going forward to
33:36
Speaker 4: get to that A would be definitely diversifying more and
33:39
Speaker 4: getting more into investing. And also I want to start
33:42
Speaker 4: contributing water super Yeah, my soup is pretty healthy at
33:45
Speaker 4: the moment, is at one hundred and four.
33:47
Speaker 1: K, which is very pretty good for my age.
33:49
Speaker 4: Yeah, but I only had six months off with my
33:51
Speaker 4: daughter so yeah, actually contributing extra towards that great. Yeah,
33:56
Speaker 4: I don't want to be teaching when i'm sixty.
33:58
Speaker 1: I love that. I feel like that.
34:00
Speaker 3: It's a really good plan. But I also need to
34:01
Speaker 3: remind you, Money Diarist, you are a single mum. You
34:04
Speaker 3: are killing it, but you're also a single mom, so
34:06
Speaker 3: take the pressure off. We don't need to be doing
34:08
Speaker 3: everything at once, like even the fact that you are
34:11
Speaker 3: a homeowner and you've got a really nice amount of equity.
34:14
Speaker 3: I'm just I'm so excited for your future because it's
34:16
Speaker 3: going to be good, and I promise the path that
34:19
Speaker 3: you're on, you're not going to be teaching a sixty
34:20
Speaker 3: so or be fine.
34:21
Speaker 1: You will live your dreams. But unfortunately, Money direst, this
34:26
Speaker 1: is we have time for today.
34:27
Speaker 3: It's all we could fit into our half an hour
34:29
Speaker 3: organized slot. It has been a pleasure getting to know you,
34:33
Speaker 3: and thank you so much for being so generous with
34:35
Speaker 3: your story and sharing so much. I know that our
34:37
Speaker 3: community loves learning and loves getting to know our diarists,
34:41
Speaker 3: so I really appreciate it.
34:42
Speaker 4: Thanks so much for having me.
34:50
Speaker 3: The advice shared on She's on the Money is general
34:52
Speaker 3: in nature and does not consider your individual circumstances. She's
34:56
Speaker 3: on the Money exists purely for educational purposes and should
35:00
Speaker 3: not be relied upon to make an investment or financial decision.
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35:09
Speaker 1: Advice tailored towards your needs.
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Speaker 3: of money. Sheper p T y lt D A b
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Speaker 3: N three two one six four nine two seven seven
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