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MONEY DIARIES: A Phoenix Rising From The Ashes · She's On The Money

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Speaker 1: Just before we get started, we'd like to acknowledge and.
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Speaker 2: Pay respect to Australia's Aboriginal and torrest Rate islander peoples.
0:07
Speaker 2: They're the traditional custodians of the lands, the waterways and
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Speaker 2: the skies all across Australia. We thank you for sharing
0:14
Speaker 2: and for caring for the land on which we are
0:16
Speaker 2: able to learn. We pay respects to elders past and present,
0:19
Speaker 2: and we share our friendship and our kindness.
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Speaker 3: She's on the Money, She's on the Money.
0:45
Speaker 4: Hello, and welcome to She's on the Money, the podcast
0:48
Speaker 4: for millennials who want financial freedom. Welcome back to another
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Speaker 4: Shop Back Money Diary Monday, where we get to chat
0:54
Speaker 4: to one of our gorgeous community members, learn about them,
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Speaker 4: their story, their money, arguably the most interest bit, and
1:01
Speaker 4: ask them all the juicy questions that you want to know.
1:03
Speaker 4: V I've got a good one.
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Speaker 1: Do you actually? Because you say this every.
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Speaker 2: Week, I don't think it's possible to have a bad
1:08
Speaker 2: way if I really yet to be disappointed. So that's okay,
1:12
Speaker 2: let's get into it. Read out the email. I want
1:14
Speaker 2: to know what we're up to today.
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Speaker 4: Our diarist says, fourteen years ago, I was in the
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Speaker 4: worst kind of relationship. It was mentally, emotionally, physically, sexually,
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Speaker 4: and financially abusive. Ten years ago, I finally found the
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Speaker 4: strength to get myself out of there, and while untangling
1:29
Speaker 4: the web of deceit I've been living in, I found
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Speaker 4: out the true extent of the financial whole he'd been
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Speaker 4: digging me into. I was one hundred and twenty thousand
1:36
Speaker 4: dollars in debt on credit cards I didn't even know existed.
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Speaker 4: It took me seven very long years and cost me
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Speaker 4: almost two hundred and fifty thousand dollars, but I finally
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Speaker 4: paid it all off. Proudest moment of my life. Today,
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Speaker 4: I am consumer debt free. I have an amazing job
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Speaker 4: that I adore, I own my own home, and I
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Speaker 4: run a successful business in my spare time. I'd love
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Speaker 4: to share my phoenix rising from the ashes tail with
1:58
Speaker 4: you and your listeners.
1:59
Speaker 1: God, I have goosebumps literally look at Oh. I'm like, Oh,
2:03
Speaker 1: what a story money, darist. Welcome to the show. Hi,
2:07
Speaker 1: Oh my god.
2:08
Speaker 2: Before we jump into it, Jess, we probably should do
2:10
Speaker 2: a little bit of a content warning given that really beautiful.
2:14
Speaker 1: Intro you gave.
2:16
Speaker 2: So I don't know what we're going to talk about today,
2:18
Speaker 2: but we're going to talk about everything that was listed.
2:20
Speaker 2: So if this isn't the episode for you and you're
2:22
Speaker 2: just not ready for it, that is totally okay. We
2:25
Speaker 2: have a heap of other money does you can jump into.
2:27
Speaker 2: But today, as always, we are going to be very raw,
2:30
Speaker 2: very real, and I am very excited to share your
2:32
Speaker 2: story money, Darist. Oh my god, I that's crazy, that
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Speaker 2: is so crazy. I have so many questions, but as
2:38
Speaker 2: just said offline, we have to get through the structured
2:40
Speaker 2: questions so that we're all on the same page and
2:42
Speaker 2: then we can have a good chat. So Money, Darist,
2:45
Speaker 2: let's start at the start. Can you tell me a
2:47
Speaker 2: little bit about your money story?
2:49
Speaker 5: Sure? So I grew up in a single parent family
2:52
Speaker 5: and money was kind of always tight for us. Like
2:55
Speaker 5: we're talking black and gold food and homemade clothes and stuff,
2:58
Speaker 5: like I never went hungry. There was always a roof
3:00
Speaker 5: over my head and food in the pantry. We just
3:02
Speaker 5: didn't have anything more than the basics. And once I
3:06
Speaker 5: kind of left home, it led me to to not
3:10
Speaker 5: want to replicate that for myself. But because of a
3:14
Speaker 5: few life circumstances with growing up, I just I made
3:16
Speaker 5: a bunch of really silly decisions, and yeah, I ended
3:21
Speaker 5: up getting involved with someone who really was the worst
3:25
Speaker 5: person I could have ever gotten involved with. But yeah,
3:28
Speaker 5: as I said in my letter, I was in a
3:30
Speaker 5: very very deep hole financially, but I decided that I
3:34
Speaker 5: didn't want to go bankrupt and I didn't want to
3:36
Speaker 5: kind of escape from it, so I fought my way
3:39
Speaker 5: back to the top. Paint it all off, and I'm
3:41
Speaker 5: so happy that my life is so much different now.
3:43
Speaker 1: Oh my gosh, I'm so proud of you, and we've
3:46
Speaker 1: only just met. Can you tell me a little bit.
3:49
Speaker 2: About what your attitude towards money is now? Like, obviously,
3:52
Speaker 2: growing up it was quite tight and there's absolutely nothing
3:55
Speaker 2: wrong with black and gold. I still buy that every day,
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Speaker 2: But it does become kind of stigma in your life, right,
4:01
Speaker 2: Like you kind of look at it and go, oh,
4:03
Speaker 2: that means that I can't afford you know, their CSR sugar,
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Speaker 2: And I know that that is you know something that
4:08
Speaker 2: I've spoken to friends about who have been through situations
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Speaker 2: like that. But what do you see money as?
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Speaker 5: Now? I see money as it's not the scarce resource
4:18
Speaker 5: that I used to think it was. I think I've
4:20
Speaker 5: got my head screwed on straight finally. And to me,
4:25
Speaker 5: it's a means to enjoy myself, Like it's the reward
4:27
Speaker 5: that I get for putting in so much hard work.
4:30
Speaker 5: Like I have a day job and you know, a
4:32
Speaker 5: couple of sight hustles, so I put in a lot
4:34
Speaker 5: of hours, and so the money's the reward from that.
4:36
Speaker 5: So I like to enjoy it. Like when I go out,
4:39
Speaker 5: I like to kind of splurge every now and then.
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Speaker 5: And I don't think that's a bad thing because I'm
4:43
Speaker 5: not robbing from Peter to pay Paul I budget for
4:45
Speaker 5: my splurges now.
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Speaker 2: So, oh my gosh, I love this all right. So money, darrest,
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Speaker 2: tell us, what do you do for work and how
4:53
Speaker 2: much money do you earn?
4:55
Speaker 5: I am so excited to answer this question, really, I am.
5:00
Speaker 1: Why are you?
5:01
Speaker 5: Because I have changed things so much in the last
5:04
Speaker 5: six months.
5:05
Speaker 1: Oh get it, queen, I love this, tell us.
5:08
Speaker 5: So I am an analyst. I got a job at
5:11
Speaker 5: a new company last year, and my numbers are so
5:13
Speaker 5: much better than before. I am on a salary of
5:16
Speaker 5: ninety five thousand. I get thirteen percent super on top
5:20
Speaker 5: of that.
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Speaker 1: Oh so nice, very nice.
5:22
Speaker 5: And my total rems one hundred and seven five hundred.
5:25
Speaker 5: And then we have an annual bonus scheme as well,
5:27
Speaker 5: and that max is out at ten percent, so I
5:29
Speaker 5: could get up to a nine and a half thousand
5:31
Speaker 5: bonus in July.
5:33
Speaker 1: Money win. And then you mentioned you have a few
5:35
Speaker 1: side hustles.
5:36
Speaker 2: You don't have to tell us exactly what they are,
5:38
Speaker 2: but how much money do you earn from those and
5:40
Speaker 2: how much time does it take you each week?
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Speaker 5: So I have three side hustles. I have like a
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Speaker 5: crafting business where I kind of create things with my hands,
5:48
Speaker 5: which lets me kind of get my artistics streak out,
5:52
Speaker 5: which is very different to the work I do day
5:55
Speaker 5: to day, which is very kind of logical and spreadsheet based.
5:58
Speaker 2: An analytical. Yeah, I mean there's nothing wrong with spreadsheets.
6:02
Speaker 1: If you came here to talk smack about spreadsheets, we're
6:05
Speaker 1: gonna have to end todayy here, my friends.
6:06
Speaker 5: Well, no, you are gonna love my spreadsheets. My second
6:10
Speaker 5: side hustle is a wholesale supply store for the same
6:14
Speaker 5: kind of crufts that I do, so I sell to
6:16
Speaker 5: other people like me, other makers. And then I'm also
6:19
Speaker 5: in the process of setting up like a clothing and
6:21
Speaker 5: homewars bround. But I'm finding it really hard to find
6:24
Speaker 5: the extra time to dedicate to getting it off the ground.
6:26
Speaker 5: So that's kind of just in its little infancy stages
6:30
Speaker 5: at the moment.
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Speaker 1: I am not surprised. I've got two side hustles full
6:36
Speaker 1: time job.
6:36
Speaker 2: By the way, it's actually really hard to start a business.
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Speaker 5: Why. Yeah, So the biggest side hustle, the wholesale business,
6:45
Speaker 5: turns over about two hundred K a year.
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Speaker 1: Wow, that is not a side hustle. That is a
6:50
Speaker 1: full time I how to tell you this, but that's
6:53
Speaker 1: not that side hustle.
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Speaker 5: Well, it's not enough to live on. Like the actual
6:58
Speaker 5: profit after I've taken every out, the actual profit is
7:01
Speaker 5: only about half of my annual salary. So I'm not
7:04
Speaker 5: ready to give up my day job yet. Yeah, but
7:06
Speaker 5: I know that I can grow that further. I just
7:08
Speaker 5: don't want to get too big too quick, and I
7:10
Speaker 5: know that managing growth is a delicate balance.
7:13
Speaker 2: So holy moly, imagine being like, oh I have a
7:16
Speaker 2: side hustle, me thinking she earns like a few extra
7:19
Speaker 2: hundred bucks or thousand bucks a year two hundred grand?
7:23
Speaker 2: Oh okay, all right, well I'll just get back in
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Speaker 2: my box. All right, Mini dis I think you're beyond impressive.
7:29
Speaker 2: I am loving this, but I want to know, as
7:32
Speaker 2: the next question, what is your big money goal?
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Speaker 5: So all of the money that was previously going toward
7:38
Speaker 5: paying down credit card repayments and things, that's all our
7:41
Speaker 5: being repointed to saving up for a massive relocation that
7:46
Speaker 5: we are hoping to do next year. We want to
7:48
Speaker 5: move and have a bit of a tree change. We
7:50
Speaker 5: want to kind of find our dream home and move
7:52
Speaker 5: to an area that's a little bit more quiet and
7:55
Speaker 5: start looking to wind down the busy life and start
7:58
Speaker 5: enjoying life a little bit more. Ultimately, I want to
8:01
Speaker 5: fire within the next kind of ten to fifteen years.
8:04
Speaker 5: So yeah, it's definitely time for us to start thinking
8:07
Speaker 5: about what we're going to do after the busy phase
8:10
Speaker 5: of our life.
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Speaker 2: With that type of income, you definitely can achieve that.
8:14
Speaker 1: Like how exciting, Oh it is?
8:16
Speaker 5: It really really is and we deserve it. Like I
8:19
Speaker 5: keep pinching myself and going is this real? And like
8:22
Speaker 5: my other half is always like, yes, this is. You
8:24
Speaker 5: deserve this, We deserve it. You do it.
8:26
Speaker 4: Sounds like you've worked really hard to get there, so
8:28
Speaker 4: you do one hundred percent.
8:30
Speaker 1: Oh my gosh.
8:30
Speaker 2: So, being a little bit pervy, you said you have
8:33
Speaker 2: a partner, which I am really excited to hear because obviously,
8:36
Speaker 2: having gone through so much and I don't know enough
8:38
Speaker 2: about it, have come out the other side, and to
8:40
Speaker 2: have a partner, that's like, no, you deserve it, Like, oh,
8:43
Speaker 2: I think you do too, Like, let's learn more about you.
8:47
Speaker 2: So if you want to do fire, you're probably going
8:49
Speaker 2: to need some investments. So the next question is do
8:52
Speaker 2: you currently invest I certainly do give us the pervy
8:56
Speaker 2: juicy details. So I've got a hundred and seventy K
9:01
Speaker 2: in my super. It's not very much, but ten years
9:03
Speaker 2: ago I only had twelve K in super, so I've
9:06
Speaker 2: put aside a fair whack.
9:07
Speaker 1: Ah, that is a very big chunk.
9:09
Speaker 5: Yeah, it's okay.
9:10
Speaker 1: It's okay, Jess, It's only okay.
9:14
Speaker 5: Well, I was a lot kind of further behind. I
9:16
Speaker 5: was a lot below the kind of average balances when
9:19
Speaker 5: I first saw it and looked at it. So I
9:22
Speaker 5: worked hard to kind of get it back up, and
9:23
Speaker 5: now I think I'm probably a bit above people in
9:26
Speaker 5: my age bracket, so that's good. I've also got spaceship.
9:29
Speaker 5: I have two portfolios there only about two and a
9:31
Speaker 5: half k there. I do my roundups through Rays. I've
9:34
Speaker 5: got about four and a half grand there, and I
9:36
Speaker 5: love Rays because I've never noticed a single cent of
9:39
Speaker 5: that money. It is just completely free money.
9:42
Speaker 2: Jess and I were recording an episode recently just about
9:44
Speaker 2: the different types of investing platforms that are out there,
9:48
Speaker 2: but we feel like our community has so much like
9:51
Speaker 2: to learn about what they are, Like what does a
9:54
Speaker 2: raise and a spaceship do compared to like shares ease,
9:57
Speaker 2: and then what is robo advice? And so we need
9:59
Speaker 2: to break all these But I was saying on that episode,
10:02
Speaker 2: like roundups are so powerful because it's kind of like incidental,
10:05
Speaker 2: Like it's always the small things like a coffee or
10:08
Speaker 2: like you know, going out for lunch that you go, oh,
10:11
Speaker 2: it was thirteen dollars or something, but it was fourteen
10:13
Speaker 2: dollars if it rounded up. And I just feel like
10:16
Speaker 2: small things really add up, and that it's a way
10:18
Speaker 2: that we really need to prioritize ourselves.
10:20
Speaker 1: Not necessarily through.
10:22
Speaker 2: Apps like that, but it's even if we just set
10:25
Speaker 2: up an automatic transfer to our savings account of like
10:27
Speaker 2: three dollars a day or something or five dollars. Like
10:30
Speaker 2: remember ages ago, we're talking about putting your coffee money
10:32
Speaker 2: into savings.
10:33
Speaker 1: Like the small things really add up, and look at you.
10:35
Speaker 2: You got four and a half grand saved and you're
10:37
Speaker 2: saying you didn't even feel it.
10:39
Speaker 5: Yeah, never even noticed it going out of my accounts.
10:41
Speaker 1: What moneyed in?
10:42
Speaker 5: The best?
10:43
Speaker 1: Oh the best.
10:44
Speaker 5: And then I also do micro investing, so I have
10:46
Speaker 5: Shaeseas and Steak and that's like my play money. So
10:50
Speaker 5: they are total gambles, but I'm kind of doing okay
10:54
Speaker 5: because it's play money and it's like I don't care
10:56
Speaker 5: if I lose it. I've only put in one hundred
10:58
Speaker 5: and seventy five bucks, but I've gotten some huge returns
11:01
Speaker 5: on my picks there, so I've got about five hundred
11:03
Speaker 5: bucks in those at the moment, So that's really good.
11:06
Speaker 1: How cool?
11:07
Speaker 5: Yeah, and then part of fire, I have some investments
11:10
Speaker 5: in ETFs via their self wealth apps. So I've only
11:13
Speaker 5: got about two and a half grand in there at
11:15
Speaker 5: the moment, but that's certainly where I'm funneling all of
11:17
Speaker 5: my savings at the moment to into my ETFs.
11:20
Speaker 1: Very cool.
11:21
Speaker 2: She's very diversified, lots of platforms, lots of things you're
11:25
Speaker 2: playing with.
11:25
Speaker 1: I love it. We do want to flip this and
11:28
Speaker 1: ask about debts now though, And.
11:29
Speaker 2: I know that you a couple of years ago paid
11:32
Speaker 2: off a pretty big debt, but do you currently.
11:34
Speaker 1: Have any debts?
11:35
Speaker 5: The only debt that I have is the mortgage, and
11:38
Speaker 5: I'm so so proud of that. Consumer debt is all
11:41
Speaker 5: completely gone.
11:42
Speaker 1: Yay job. That's so exciting.
11:46
Speaker 2: Oh my god, I yess beIN goosebumps when people say that, Like,
11:48
Speaker 2: I kid you not. If you were here, you'd be
11:50
Speaker 2: like you have very hairy, sticky uppy arms, fatoria. But
11:54
Speaker 2: can you tell us a bit about that feeling? Like
11:56
Speaker 2: paying off debt obviously is a really big undertaking. It
12:00
Speaker 2: is the long slog like it takes ages, especially from
12:03
Speaker 2: a situation like you were in.
12:05
Speaker 1: What was that final day of payment?
12:07
Speaker 5: Like, oh my gosh, it was amazing. So I was
12:11
Speaker 5: just doing some sums one day and I just kind
12:13
Speaker 5: of thought, oh my gosh, i think I've got enough,
12:16
Speaker 5: like in the paying down debt bank account, I think
12:18
Speaker 5: I've got enough to get the last little bit on
12:20
Speaker 5: the card. So I made some phone calls and I
12:23
Speaker 5: went and made the last payment and then oh gosh,
12:25
Speaker 5: now what good look at me? Because I work from home.
12:31
Speaker 5: So I raced next door and kind of said, oh
12:33
Speaker 5: my gosh, I've just done it. I've just done the
12:35
Speaker 5: last payment. Then I then I drove down the road
12:39
Speaker 5: to the BWS and bought myself a really expensive bottle
12:42
Speaker 5: of shit.
12:42
Speaker 2: Ye yes, I feel like that is so well deserved
12:48
Speaker 2: and that was probably the most delicious glass of champagne
12:50
Speaker 2: you've had in your life.
12:51
Speaker 1: Right, absolutely, Oh my gosh.
12:54
Speaker 2: That makes me so happy because so many times when
12:58
Speaker 2: we're in these situations, it's stretches out, it takes forever,
13:01
Speaker 2: and then you kind of click transfer and it feels
13:04
Speaker 2: really non coincidental.
13:06
Speaker 1: We're like, oh, that part of my life is done.
13:09
Speaker 1: Like it's done. What do you mean? Like we need
13:10
Speaker 1: to be celebrating this.
13:12
Speaker 2: So I'm so glad you got the opportunity to run
13:14
Speaker 2: next door and to get some champagne and to actually
13:16
Speaker 2: enjoy it. And if you're listening to this and you're
13:18
Speaker 2: in a similar situation, please celebrate those things because you
13:21
Speaker 2: need to embrace them, like you don't want to just
13:23
Speaker 2: sit there and go oh, because that's what I did.
13:26
Speaker 2: Like when I paid off my personal debt, which was absolutely,
13:28
Speaker 2: in no way, shape or form nearly as big as yours.
13:32
Speaker 2: I just kind of like transferred it and I was like, oh,
13:34
Speaker 2: we're done. Oh and I just I expected fireworks and
13:38
Speaker 2: I got a submit screen. So so no, I'm so
13:44
Speaker 2: proud of you.
13:44
Speaker 1: How good?
13:45
Speaker 2: All right, let's talk about more exciting things. We want
13:48
Speaker 2: to get through these questions because Jess is trying to
13:50
Speaker 2: wrap me up as usual. The next question, when you're
13:54
Speaker 2: shopping online, do you use shopback?
13:57
Speaker 5: I don't because I don't actually shop online. Is she
14:04
Speaker 5: I have moved over to a cash system.
14:06
Speaker 4: I was going to say, are you an envelope person?
14:09
Speaker 5: Yeah? I am on the cash envelope stuffer, so all
14:12
Speaker 5: of my spending is in cash.
14:14
Speaker 4: Yeah, incredible.
14:15
Speaker 5: I actually have my little folder just here with all
14:19
Speaker 5: so cute, so I do cash stuffing. So my little
14:22
Speaker 5: LA wallet comes with me whenever I want to go
14:24
Speaker 5: and spend money. And aside from that, I can't spend
14:26
Speaker 5: because I don't have cash.
14:27
Speaker 1: Oh my gosh, that's genius.
14:29
Speaker 2: I feel like I am so surprised that so many
14:32
Speaker 2: people are still using cash, because obviously I'm such a
14:35
Speaker 2: taper card kind of gal. And go and I'm always
14:39
Speaker 2: shocked that people still do it, but it makes so
14:41
Speaker 2: much sense, Like, especially if you're a very visual learner
14:44
Speaker 2: and you're more of a creative I find that having
14:47
Speaker 2: it in front of you is the best way to go, Okay,
14:50
Speaker 2: this is how much I have left. Even though you
14:52
Speaker 2: know what's on your card, it's just such a different experience.
14:56
Speaker 2: And then when you have to separate with the money,
14:58
Speaker 2: it just feels different, so you're more like to put
15:00
Speaker 2: another block between actually buying something. And it just makes sense,
15:04
Speaker 2: like some people need cash systems, and you're obviously thriving
15:08
Speaker 2: on it.
15:08
Speaker 1: I love that.
15:10
Speaker 5: Yeah, I found that it really helps me to like
15:13
Speaker 5: picture how much I'm going to have left, Like if
15:16
Speaker 5: I've got let's say it's pay day and I've got
15:17
Speaker 5: one hundred dollars worth of spending money in my purse.
15:20
Speaker 5: If i want to go and get sushi and that's
15:22
Speaker 5: going to cost me like thirty dollars, then that's taking
15:25
Speaker 5: a third of the money out of my purse, Whereas
15:28
Speaker 5: if I'm just tapping plastic, I don't notice it. But yeah,
15:31
Speaker 5: with cash, I really think about it before I hand
15:33
Speaker 5: it over.
15:34
Speaker 1: How do you manage investments with cash.
15:36
Speaker 5: I take the cash that I save up, so like
15:39
Speaker 5: my my little investment envelope. I take that cash once
15:42
Speaker 5: it hits a thousand dollars and I go and deposit
15:44
Speaker 5: it in the back just at the atm Oh, how
15:46
Speaker 5: can then do the online stuff after that?
15:48
Speaker 2: Yeah, airpic Oh, my gosh, I love that. That's so interesting.
15:52
Speaker 2: All right, I feel like you're going to have a
15:53
Speaker 2: really good answer to this. I want to know what
15:56
Speaker 2: your best money habit is.
15:58
Speaker 5: Yeah, you're gonna love this. It's you.
16:01
Speaker 1: Like, sit down, Victoria, you are not ready.
16:04
Speaker 5: So I'm an analyst by trade, and I am huge
16:07
Speaker 5: on spreadsheets and data. I have this massive spreadsheet that
16:11
Speaker 5: has got every single bill I've ever paid and all
16:14
Speaker 5: of the estimated amounts and dates going forward for the
16:17
Speaker 5: next twelve months. It has our household budget. It has
16:20
Speaker 5: how much needs to be transferred into each of our
16:22
Speaker 5: little sub accounts when we get paid. It had all
16:25
Speaker 5: of my credit card repayment projections so that I could
16:28
Speaker 5: see when each card was due to get paid off. Yeah,
16:31
Speaker 5: it's got everything. And now I do it on the
16:34
Speaker 5: first day of every month, and I calculate my net
16:36
Speaker 5: worth every month.
16:37
Speaker 1: My gosh, so you did it yesterday? Were you excited
16:39
Speaker 1: about it yesterday?
16:41
Speaker 5: So excited?
16:43
Speaker 1: How good? Oh my gosh.
16:45
Speaker 2: I feel like I'm going to be asking you for
16:47
Speaker 2: your spreadsheet after this because I am so pervy on
16:51
Speaker 2: people's spreadsheets.
16:52
Speaker 1: It's bad. All right.
16:53
Speaker 2: Next question, We've got to bring the tone of this
16:56
Speaker 2: conversation down. What's your worst money habit.
16:58
Speaker 5: I think my worst my habit is probably that I
17:02
Speaker 5: like a bit of luxury in my life. So I
17:05
Speaker 5: am very fond of the finer things in life because
17:08
Speaker 5: I struggled for so long. So now that I'm not
17:11
Speaker 5: on struggle street anymore, Like I prefer to fly business,
17:14
Speaker 5: and I really love saving up all of my points
17:17
Speaker 5: so that I can upgrade to first class. And I
17:19
Speaker 5: like splurging on expensive hotels, and like I don't just
17:22
Speaker 5: get the basic room, I get the club room on
17:24
Speaker 5: the high floor with the cocktail bar and the free nibbles.
17:26
Speaker 1: Oh my god, No, no, no, that's not a bad money habit.
17:29
Speaker 2: That is you living your best life because you absolutely
17:32
Speaker 2: deserve it. Absolutely, we're not having this argument. That's not
17:35
Speaker 2: a bad money habit. Money direst I'm not going to
17:37
Speaker 2: ask you for another one. But like I'm rendering that invalid. Terrible, terrible,
17:43
Speaker 2: terrible answer to that, I think that that is fantastic
17:45
Speaker 2: and you absolutely deserve it. Like that is not a
17:47
Speaker 2: bad money habit. That is you going gin know what,
17:49
Speaker 2: Look how far I've come, and look how much I
17:51
Speaker 2: get to enjoy my life Like that is so cool?
17:56
Speaker 2: So all right, next before we go to a quick break,
18:00
Speaker 2: is money Diarist, what grade would you give your money
18:02
Speaker 2: habits if we forced you to give them a grade?
18:04
Speaker 5: I'm going to put tickets on myself here.
18:08
Speaker 1: You do, you absolutely do?
18:10
Speaker 2: All right, We have lots of questions for you right
18:12
Speaker 2: after this shortbreak. All right, money Diarist, we are back
18:20
Speaker 2: and your story is huge. I am so inspired by you.
18:24
Speaker 2: You have a full time job, you have two side hustles,
18:27
Speaker 2: nearly three side hustles. Your side hustle turns over two
18:31
Speaker 2: hundred grand a year. You're earning like one hundred grand
18:33
Speaker 2: a year. But that is absolutely not where you have
18:36
Speaker 2: come from. Can you tell us a little bit about
18:39
Speaker 2: your history? In your email that you sent to us,
18:42
Speaker 2: you said that you had been in the worst relationship
18:44
Speaker 2: of your entire life, and there was credit going everywhere
18:48
Speaker 2: and you didn't even know about half the credit cards.
18:51
Speaker 2: I feel like listening to your diary and I know
18:54
Speaker 2: other people are going to have, you know, been along
18:56
Speaker 2: this same journey with me, I feel like I'm just
18:59
Speaker 2: so inspired. You speak so confidently and you just sound
19:02
Speaker 2: like this epic human that I can't right now comprehend
19:06
Speaker 2: that that was your history. So can you tell us
19:08
Speaker 2: a little bit about that and how that worked?
19:11
Speaker 5: Yeah? Yeah, sure. So fourteen years ago I got involved
19:15
Speaker 5: with a man who very quickly became my abuser, and
19:19
Speaker 5: it was just the worst time of my life. Towards
19:22
Speaker 5: the end, he was showing the scariest of all of
19:24
Speaker 5: the abuse types, and I knew that if I stayed
19:27
Speaker 5: much longer, I would die. I wouldn't make it out alive.
19:31
Speaker 5: So ten years ago, sorry.
19:35
Speaker 1: Your time, take your time.
19:37
Speaker 4: I'm so sorry you're not. Don't hate to.
19:39
Speaker 1: Talk about it.
19:41
Speaker 5: No, no, no, no, no, it's it's all good. Heavy
19:43
Speaker 5: right At that part, I just always go.
19:46
Speaker 4: Ooh, that's a lot for someone to go through.
19:49
Speaker 5: It is, yeah, it really is. So ten years ago
19:53
Speaker 5: I finally went and got some psychological help for the
19:56
Speaker 5: first time in my life, and my psychologist helped me
20:00
Speaker 5: to find the strength within to leave. They say that
20:04
Speaker 5: it takes a survivor on average about seven attempts to
20:07
Speaker 5: get out, and I managed to do it on my
20:09
Speaker 5: sixth attempt, which I was really proud of above average.
20:15
Speaker 5: I was just so happy, Like I got back in
20:17
Speaker 5: touch with all of my friends and my family whom
20:19
Speaker 5: my abuser had cut me off from. I could use
20:22
Speaker 5: the bathroom without permission, I could go grocery shopping, I could,
20:27
Speaker 5: you know, like I could just do anything I wanted
20:29
Speaker 5: and I didn't have someone yelling at me all the time.
20:32
Speaker 5: And it was like I just had this whole new life.
20:34
Speaker 5: I'd escaped and I was free. And then a couple
20:38
Speaker 5: of months later it kind of all turned back into
20:40
Speaker 5: a nightmare. I kind of found out that, well, these
20:43
Speaker 5: credit card statements just started showing up and I didn't
20:46
Speaker 5: even know about them. It turned out that there had
20:49
Speaker 5: been cards taken out in my name that like some
20:52
Speaker 5: of them were even from banks. I'd never even heard of.
20:54
Speaker 5: The two credit cards that I did know that I had,
20:57
Speaker 5: I thought that they both had a two thousand dollar limit,
21:00
Speaker 5: But when I finally got to see my bank statements
21:02
Speaker 5: for those, he'd increased those credit limits and he'd applied
21:06
Speaker 5: for all these other ones in my name and bodged
21:08
Speaker 5: my signature and stolen my driver's license and stuff, and
21:11
Speaker 5: then he'd maxed everything out. It took me tons and
21:14
Speaker 5: tons of digging, and I actually had to go and
21:16
Speaker 5: get all of my credit reports so that I could
21:18
Speaker 5: find out some of the cards because he'd put different
21:21
Speaker 5: addresses on them, and the post wasn't even coming to
21:23
Speaker 5: the house. So eventually I kind of tallied it all
21:26
Speaker 5: up and it was one hundred and twenty six thousand
21:29
Speaker 5: dollars that I owed, and I was just petrified. I
21:33
Speaker 5: was so scared. I had no idea how on earth
21:36
Speaker 5: I was going to get out of that. And like
21:38
Speaker 5: we were talking ten years ago, this was before the
21:41
Speaker 5: banking reform and before banks had DV you know, and
21:45
Speaker 5: hardship policies in place and things like that, so I
21:48
Speaker 5: was on the hook for all of it. I went
21:50
Speaker 5: to the police and they spoke to him, but he
21:52
Speaker 5: said that I knew about them, and I'd signed all
21:54
Speaker 5: the forms, so it turned into my word against his,
21:56
Speaker 5: and I had no creased. It was awful. I briefly
22:00
Speaker 5: consider going bankrupt, but I knew that, like I wanted
22:03
Speaker 5: to buy a house and I knew that I wanted
22:05
Speaker 5: to keep my options open, like for a possible career
22:07
Speaker 5: change one day, because I know that if you've been bankrupt,
22:10
Speaker 5: you can't have some jobs. So I decided that bankruptcy
22:13
Speaker 5: wasn't something that I personally wanted to go through. So, yeah,
22:18
Speaker 5: I just I moved everything that I could across to
22:21
Speaker 5: zero percent interest cards. I called all of the banks
22:24
Speaker 5: and asked them to close the accounts and just let
22:28
Speaker 5: me pay them off slowly so that nothing else could
22:30
Speaker 5: possibly get added to them.
22:31
Speaker 1: Yeah.
22:32
Speaker 5: Of course, it took me almost seven years, and the
22:35
Speaker 5: total payback figure was two hundred and forty seven thousand,
22:39
Speaker 5: four hundred and fourteen dollars and eighty four cents.
22:43
Speaker 4: The fact that you paid that amount of money off
22:45
Speaker 4: in seven years is such a testament to your willpower
22:49
Speaker 4: to be honest like that is a mind boggling amount
22:52
Speaker 4: of money, and to pay it off in such a
22:54
Speaker 4: short amount of time while recovering from trauma, while having
22:58
Speaker 4: to set yourself up with a whole new life completely
23:00
Speaker 4: different from the one you had. That is no small feet.
23:03
Speaker 4: That is incredibly impressive. So a big congratulations to you
23:07
Speaker 4: for doing that.
23:08
Speaker 2: I'm so sorry that was your experience, so impressed, Like
23:11
Speaker 2: I just I also can see this now that you
23:14
Speaker 2: had where you're like, look, I looked into my options
23:17
Speaker 2: and bankruptcy wasn't for me. And I think that so
23:20
Speaker 2: many people in the moment. It's like you have blinkers
23:24
Speaker 2: on when you have that much debt staring you in
23:26
Speaker 2: the face, especially having come out of a DV situation,
23:29
Speaker 2: that they go, oh, that'll get me out of the situation. Okay,
23:32
Speaker 2: let's just do that, and they think about the ramifications later.
23:35
Speaker 2: You were like, no, I'm going to look at my options,
23:37
Speaker 2: Like imagine going through that situation and maintaining a level
23:41
Speaker 2: head like you, my friend, are a superhuman like.
23:45
Speaker 1: Who can actually do that?
23:47
Speaker 2: But it's true, right, bankruptcy isn't for everybody, And if
23:50
Speaker 2: you want to work in certain areas or you know,
23:52
Speaker 2: in a period of time you want to buy a house,
23:55
Speaker 2: like that actually is going to stop you. So the
23:58
Speaker 2: fact that you were like, you know what this is
23:59
Speaker 2: going to ask me x amount, I'm going to do it.
24:02
Speaker 1: I'm in awe of you, Like how cool.
24:04
Speaker 2: So tell me a bit about the future, Like you've
24:07
Speaker 2: obviously gotten out of this debt and started saving aggressively,
24:12
Speaker 2: which is very exciting because you want to achieve fire.
24:15
Speaker 2: How quickly are we achieving that? Because if you can
24:17
Speaker 2: save two hundred and fifty grand in seven years, which
24:19
Speaker 2: is basically what you did, you've taught yourself how to
24:21
Speaker 2: do that.
24:23
Speaker 1: What's next? Where are we going?
24:26
Speaker 5: So we're hoping that we can relocate towards the end
24:31
Speaker 5: of next year. We are aggressively paying down the mortgage
24:35
Speaker 5: here at the moment. So along the way, while I
24:38
Speaker 5: was paying down the debt, I also bought a block
24:41
Speaker 5: of land. I saved up a deposit, I built a house.
24:44
Speaker 5: What jes I met?
24:47
Speaker 1: This isn't made up pretend story. You can't be this good?
24:51
Speaker 5: Oh serious? I mean like I had a second job
24:53
Speaker 5: to help with saving up the deposit and things. But yeah,
24:56
Speaker 5: and I met a wonderful patient, kind, understanding human. I
25:02
Speaker 5: got engaged and married. We had these two amazing overseas trips.
25:09
Speaker 5: But I did all of those in a really scaled
25:12
Speaker 5: down way. Like I bought the cheapest block of land
25:15
Speaker 5: in a housing estate a long way away from where
25:18
Speaker 5: I wanted to actually live. I built this minuscule little
25:21
Speaker 5: house on it, so it was just big enough for
25:23
Speaker 5: me and my dogs, and that was all that I
25:25
Speaker 5: needed at the time because it was just me. So
25:27
Speaker 5: when we got married, we had a micro wedding. There
25:29
Speaker 5: were only like twenty people there and it was a
25:31
Speaker 5: bit of a surprise. We only told the people who
25:34
Speaker 5: were going to be invited to the wedding, and after
25:37
Speaker 5: the ceremony, we just kind of jumped on a public
25:39
Speaker 5: bus and we went to a restaurant down the road
25:42
Speaker 5: and I just had our wedding reception in a restaurant,
25:45
Speaker 5: Like it was really scaled down, but it was all
25:47
Speaker 5: we needed and wanted. We got to have the people
25:50
Speaker 5: who matted the most with us there for the day,
25:52
Speaker 5: and we didn't go into any debt for it, Like
25:55
Speaker 5: I didn't get any cost us about five grands.
25:57
Speaker 1: So that is so beyond special.
26:00
Speaker 2: Like, I love that you've been able to achieve these
26:02
Speaker 2: things along the way, because so many times paying of
26:05
Speaker 2: debt that's that aggressive can often feel all consuming and overwhelming.
26:10
Speaker 2: How did you know that going through that situation? How
26:14
Speaker 2: did you know that you could buy a block of
26:16
Speaker 2: land and build a house and do all of these things,
26:18
Speaker 2: Like did you get advice or were you, you know,
26:21
Speaker 2: doing your own research? Obviously you're quite intelligent on your own,
26:24
Speaker 2: But where did you get your resources? Because I'm sure
26:27
Speaker 2: that there are some people listening right now that are
26:29
Speaker 2: either in your situation or have been in your situation,
26:32
Speaker 2: and I would love to know.
26:34
Speaker 1: I guess what resources did you rely on?
26:36
Speaker 5: Absolutely So, when I got myself free of the whole situation,
26:40
Speaker 5: I got a lot of help from a domestic violence
26:43
Speaker 5: support group in the city close to where I live,
26:46
Speaker 5: and they were really really helpful with information about like
26:51
Speaker 5: grants that you can get and lenders who are good
26:54
Speaker 5: for helping you get back up on your feet again
26:57
Speaker 5: and things like that. It was aired down, bum up,
27:00
Speaker 5: get it done. I knew that I needed to get
27:03
Speaker 5: out of the situation I was in, and I just
27:06
Speaker 5: put every spare second of my time towards achieving that goal.
27:10
Speaker 2: And I did, oh my gosh, And if there was
27:13
Speaker 2: somebody listening that was like, oh my gosh, this is
27:16
Speaker 2: me in a nutshell, I am. Look, that's the worst
27:20
Speaker 2: thing about these types of debts, right, like where people
27:22
Speaker 2: are forging your signature, Like obviously you went to the police,
27:27
Speaker 2: and I think that a lot of people would have
27:28
Speaker 2: been thinking like, sure, you would have got the cops involved,
27:30
Speaker 2: and you mentioned before you did, but you're right, it's
27:32
Speaker 2: your word against his, and I'm sure you could have
27:35
Speaker 2: taken it further, but then it would have included legal
27:37
Speaker 2: bills and you know, a lawyer and getting all of
27:40
Speaker 2: that and the emotional stress. Like, sometimes it is just better.
27:44
Speaker 2: And I'm not saying this in a way where I go,
27:47
Speaker 2: just pay the debt, like nobody wants to have to
27:49
Speaker 2: do that, but sometimes you just go, do you know what.
27:51
Speaker 2: I know that's a lot of money, but I'd prefer
27:53
Speaker 2: to pay that than have any conversation about this person.
27:56
Speaker 5: Ever.
27:56
Speaker 1: Again, like, is that the situation you were in?
27:59
Speaker 5: Absolutely? One hundred percent. I knew that. Like I couldn't
28:03
Speaker 5: even show up to when you have a devo, you
28:06
Speaker 5: have to go back for another hearing to have it extended,
28:09
Speaker 5: and I couldn't even show up to that because I
28:12
Speaker 5: was just too I couldn't be in the same room.
28:15
Speaker 5: So absolutely it was a case of I just I
28:19
Speaker 5: need to put this behind me, and the way that
28:22
Speaker 5: is going to be kindest on my soul to do
28:24
Speaker 5: that is to get it done myself.
28:27
Speaker 4: What steps did you take following on from that? Obviously
28:30
Speaker 4: you've made that decision, which is a really big and
28:32
Speaker 4: hard decision to make. What steps did you take to
28:35
Speaker 4: prevent yourself from finding out that he had opened more
28:39
Speaker 4: credit cards or done something, Because obviously you've separated yourself
28:42
Speaker 4: from him, you've taken yourself out of that situation. But obviously,
28:46
Speaker 4: historically you didn't know what he was doing. He was
28:48
Speaker 4: doing it without your permission. He'd obviously figured out how
28:50
Speaker 4: to forge your signature. Were there any things, particularly that
28:54
Speaker 4: you did to make sure that that couldn't happen again?
28:56
Speaker 5: I did. Actually, there is a legal service specifically for
29:02
Speaker 5: women who have escaped from domestic violence, and the legal
29:06
Speaker 5: service actually assisted me by drafting a letter that I sent.
29:11
Speaker 5: I had it certified by JPS, and had it sent
29:14
Speaker 5: with my id off to oh gosh, it must have
29:18
Speaker 5: been about thirty or forty financial institutions that kind of said,
29:22
Speaker 5: I guarantee you I will never be applying for credit,
29:25
Speaker 5: do not accept anything with my details. And nothing has
29:29
Speaker 5: ever come up. I have all of my credit reports
29:31
Speaker 5: emailed to me once a month.
29:32
Speaker 1: Now, that's a great idea.
29:34
Speaker 5: And so nothing else has ever come up. I check regularly,
29:37
Speaker 5: and I think I'm in the all clear now.
29:40
Speaker 2: So you found out a lot of these debts because
29:42
Speaker 2: you looked at your credit score. And I feel like
29:45
Speaker 2: so many people in this situation, like you wouldn't have
29:47
Speaker 2: had any need to look into your credit score before that, right,
29:51
Speaker 2: but you would have uncovered it a lot earlier had
29:54
Speaker 2: you checked it.
29:55
Speaker 1: Is that something that you go, bloody hell, Victoria, I
29:58
Speaker 1: wish I'd known about that?
29:59
Speaker 2: Or is that something where you're like, do you know what?
30:01
Speaker 2: I'm glad that I just got out and I am done,
30:03
Speaker 2: because they feel like credit scores some people just don't
30:06
Speaker 2: even know that they can check them.
30:08
Speaker 5: I'm of two minds. I've delved into a lot of
30:11
Speaker 5: stuff from that time period with my shrink, and I'm
30:15
Speaker 5: of two minds. Part of me wishes that having those
30:19
Speaker 5: credit reports sent to every person as soon as you
30:22
Speaker 5: hit eighteen, everybody should sign up for these credit reports
30:24
Speaker 5: and have them sent to you all the time, because
30:26
Speaker 5: it's not just TV. It can just be you know,
30:29
Speaker 5: going on holiday to Thailand and swiping your credit card
30:31
Speaker 5: somewhere and having it cloned exact. Lot of those things
30:34
Speaker 5: are important, But there's another part of me that is like, well,
30:38
Speaker 5: if I had known back then before I was ready
30:42
Speaker 5: to escape. I would have just accepted what he was
30:45
Speaker 5: telling me, and I wouldn't have been able to fight back,
30:48
Speaker 5: and then it might have even been worse.
30:50
Speaker 2: Yes, So yeah, isn't it interesting how in hindsight you go,
30:55
Speaker 2: you know what, it was a really shitty situation, but
30:58
Speaker 2: the cards fell out in exactly the right way that
31:01
Speaker 2: they were meant to And now you're in this beautiful
31:03
Speaker 2: position that you absolutely deserve to be in. And I
31:07
Speaker 2: guess you're the light at the end of the tunnel
31:09
Speaker 2: for everybody in this situation who goes, oh, I just
31:11
Speaker 2: can't see it, like you can't because you only get
31:14
Speaker 2: to see it in hindsight. Like it's crazy to think that,
31:17
Speaker 2: you know, fourteen years ago, you didn't see yourself in
31:20
Speaker 2: this position. Like what would you say to yourself fourteen
31:23
Speaker 2: year younger you?
31:25
Speaker 5: I think I would probably say that I can survive anything,
31:29
Speaker 5: that I have the drive and the passion and the
31:31
Speaker 5: will inside of me, but more importantly, that I have
31:34
Speaker 5: to strength and everybody has it. You just need to
31:37
Speaker 5: figure out how to harness it. And I also firmly
31:41
Speaker 5: believe that if anyone is in a similar situation and
31:45
Speaker 5: they don't know how to get out, Go and speak
31:47
Speaker 5: to your GP, Go and get yourself a mental health
31:49
Speaker 5: care plan, and then go and get some sessions are free.
31:52
Speaker 5: Get some free sessions with a psychologist, and they will
31:56
Speaker 5: help you to find that strength and that power within
31:59
Speaker 5: and will help you get safe because without knowing how
32:03
Speaker 5: to escape a relationship like that safely, it can actually
32:07
Speaker 5: be really dangerous. But because of my shrink, we got
32:12
Speaker 5: a whole heap of stuff all kind of lined up
32:15
Speaker 5: and got all the docks in a row, and it
32:17
Speaker 5: made making that break so much easier because I had
32:20
Speaker 5: someone there to kind of take control and say these
32:22
Speaker 5: other steps were going to follow, and I didn't know
32:25
Speaker 5: what steps I needed to do.
32:27
Speaker 2: Yeah, and you have no idea because you've never been
32:29
Speaker 2: in that situation before, Like why would you know that?
32:33
Speaker 2: But you've brought up a really important point, and that's
32:35
Speaker 2: that these situations are and can be incredibly dangerous. Like
32:39
Speaker 2: as you said before, it's incredibly hard to hear, and sadly,
32:44
Speaker 2: it's not the first time I've heard that. It's if
32:46
Speaker 2: I don't leave, I will lose my life, and it's
32:49
Speaker 2: not a case. And I think it's such a naive
32:52
Speaker 2: point of view, and people are like, well, why didn't
32:53
Speaker 2: you just leave? Like, no, that's not how this works.
32:56
Speaker 2: As you said before, it takes seven times. It took
32:59
Speaker 2: you six, which is very, very impressive. But you actually
33:03
Speaker 2: need a plan. You need to put your ducks in
33:05
Speaker 2: a row, because it's not just about you, it's about
33:08
Speaker 2: the whole situation unfolding in the way that it needs
33:10
Speaker 2: to unfold, because otherwise you're in a worse off situation
33:13
Speaker 2: than you were in.
33:14
Speaker 1: The first place.
33:15
Speaker 2: Absolutely, so, one of the best tips I can you know,
33:18
Speaker 2: recommend is obviously what you said, money direst go to
33:21
Speaker 2: your GP, but the National Debt Helpline, I'm obsessed with them,
33:26
Speaker 2: Like they have so many good free resources, they have
33:29
Speaker 2: free financial counselors. They have been through all of this before.
33:34
Speaker 2: It n't their first rodeo, sadly, but go talk to
33:37
Speaker 2: people who are there for you and it doesn't have
33:40
Speaker 2: to cost money, Like absolutely GP free sessions and articulate
33:44
Speaker 2: that to your GP. You want to see someone and
33:47
Speaker 2: you want it bulk build. You don't want to have
33:49
Speaker 2: any excess or any over and that you need that
33:53
Speaker 2: and they're going to prioritize it. They're going to only
33:55
Speaker 2: refer you to somebody who that could work for. But
33:57
Speaker 2: you really need to articulate that need, because there's nothing
34:00
Speaker 2: worse than going, oh, I need to get some psych help,
34:03
Speaker 2: and you go to the GP and then they refer
34:05
Speaker 2: you to someone and there's like a gap of like
34:07
Speaker 2: sixty bucks and you're like, I can't, I can't. So
34:11
Speaker 2: make sure that you're articulating what you need, because that's
34:13
Speaker 2: actually so beyond powerful to be able to say, you
34:16
Speaker 2: know what, I just need a little bit of help
34:18
Speaker 2: right now, because we all do one hundred percent.
34:21
Speaker 5: And when I was like still in the relationship, I
34:24
Speaker 5: didn't have a card for my own bank account. He
34:26
Speaker 5: had it, so I had no access to money of
34:29
Speaker 5: any kind. He would top up my train ticket, you know,
34:33
Speaker 5: he would do the grocery shopping. I had no access
34:36
Speaker 5: to cash. So if I couldn't go to a bulk
34:38
Speaker 5: billing GP and get referred to a bulk billing psychologist,
34:42
Speaker 5: I don't think I would have been able to get out.
34:45
Speaker 2: Oh my gosh, you are so powerful. I am so impressed.
34:49
Speaker 2: Money Direst. Thank you so much for coming and sharing
34:52
Speaker 2: your story. I know that there are going to be
34:53
Speaker 2: people listening to this going.
34:55
Speaker 1: How did she do that. That's insane, that's incredible.
34:58
Speaker 2: But some of the most powerful people I know have
35:01
Speaker 2: been through situations like yours and honestly the most inspiring
35:05
Speaker 2: humans I know. So thank you so much for sharing
35:08
Speaker 2: that with us. Oh my gosh, Jess, what a powerhouse.
35:11
Speaker 4: Incredible And if you are in a similar situation, check
35:14
Speaker 4: out the show notes. We will have a whole host
35:16
Speaker 4: of resources available to you. And if you know someone
35:19
Speaker 4: who's going through something like this, reach out because I
35:21
Speaker 4: think that it's hard to feel alone, but there are
35:24
Speaker 4: absolutely people and resources out there that can help you.
35:27
Speaker 5: You're not alone.
35:27
Speaker 4: We're here exactly right.
35:29
Speaker 5: Thanks so much for having me on the show. Guys.
35:31
Speaker 5: I've been a listener for so long and I'm just
35:33
Speaker 5: so happy that I could come on and be maybe
35:36
Speaker 5: a little bit of a voice of inspiration for some
35:38
Speaker 5: of your other listeners.
35:39
Speaker 1: So thank you. Oh Mada, you are huge, You are massive.
35:42
Speaker 1: I'm obsessed.
35:42
Speaker 2: Thank you so much for coming, Jess. Do you want
35:45
Speaker 2: to wrap the boring but important bids?
35:47
Speaker 5: Yeah?
35:47
Speaker 2: Of course.
35:47
Speaker 4: The advice shared on She's on the Money is general
35:50
Speaker 4: in nature and does not consider your individual circumstances. She's
35:53
Speaker 4: on the Money exists purely for educational purposes and should
35:56
Speaker 4: not be relied upon to make an investment or a
35:58
Speaker 4: financial decision. And we've Thomas, Victoria Devine and she's on
36:01
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36:05
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Speaker 4: three zero
36:12
Speaker 2: On Wednesday, guys, bye,