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FRIDAY DRINKS: Toot Your Own Horn! 🎺 · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:13
  Speaker 2: Welcome to She's on the Money, the podcast for millennials
• 0:16
  Speaker 2: who want financial freedom, Ryan John here.
• 0:19
  Speaker 3: Tony Lodge is here as well. And what are you
• 0:21
  Speaker 3: looking at? Tony? Oh?
• 0:22
  Speaker 1: Have you just seen Victoria's face? You've taken her job?
• 0:26
  Speaker 2: I have, and so is award winning financial advisor and
• 0:30
  Speaker 2: creator of She's on the Money, Victoria Divine.
• 0:32
  Speaker 4: You really just raced on in there, didn't you. Ryan? Hello?
• 0:36
  Speaker 3: All right?
• 0:37
  Speaker 2: On today's Friday Drinks episode, You're going to learn how
• 0:40
  Speaker 2: to save money on your heating bills this winter, which
• 0:42
  Speaker 2: is convenient because I spent so much last year.
• 0:45
  Speaker 3: Maybe because we were at home all year last year,
• 0:47
  Speaker 3: the heating bills were just crazy.
• 0:49
  Speaker 5: I actually read a thing about how during COVID, because
• 0:52
  Speaker 5: everybody was working from home, they weren't expecting these like
• 0:55
  Speaker 5: crazy bills, and not just working from home, but not
• 0:58
  Speaker 5: going out.
• 0:58
  Speaker 3: On the weekend.
• 1:00
  Speaker 1: Your heat it was on all the time.
• 1:01
  Speaker 2: Yeah, So we got some advice on that coming up soon.
• 1:03
  Speaker 2: Caitlin shared a post about why it feels illegal to
• 1:06
  Speaker 2: ask for the annual leave that you're actually entitled to,
• 1:08
  Speaker 2: and I feel like a lot of people really felt that,
• 1:10
  Speaker 2: So we'll get to that in a second. You guys
• 1:12
  Speaker 2: last week did that episode on imposter syndrome and b
• 1:16
  Speaker 2: did you realize at the time just how much that
• 1:18
  Speaker 2: was going to like stick with people?
• 1:20
  Speaker 4: No, I didn't think that people would care as much
• 1:22
  Speaker 4: as they did, which is kind because I obviously did
• 1:24
  Speaker 4: so much that I did an entire episode on it.
• 1:27
  Speaker 4: But it's just not common for you guys to get
• 1:29
  Speaker 4: as on board with my rant says you did, which
• 1:32
  Speaker 4: is very kind.
• 1:32
  Speaker 2: So coming up in this episode, we're going to talk
• 1:35
  Speaker 2: about Sophie Marshall. She loved the episode and went, hey, guys,
• 1:38
  Speaker 2: in terms of imposter syndrome, let's all back ourselves. And
• 1:41
  Speaker 2: she did a thread called toot your own horn and
• 1:44
  Speaker 2: she's like, tell me how good you are, tell me
• 1:45
  Speaker 2: why you don't have imposter syndrome, celebrate yourself. And the
• 1:48
  Speaker 2: posts are actually like really inspiring, it's really all.
• 1:51
  Speaker 1: It's really cute.
• 1:52
  Speaker 3: Yeah, So this week, Tony, what do we have?
• 1:55
  Speaker 5: So on Monday, we had a money diary with a
• 1:57
  Speaker 5: really really lovely woman who's been through Helen back in
• 2:01
  Speaker 5: the last eighteen months. So V and I had a
• 2:04
  Speaker 5: chat with her and she told us that her fiance
• 2:08
  Speaker 5: was in a really bad accident overseas just before they
• 2:11
  Speaker 5: were supposed to get married, which like added a bit
• 2:14
  Speaker 5: of drama and spice to the story. And yeah, so
• 2:18
  Speaker 5: basically she'd been saying to him for a really long time,
• 2:20
  Speaker 5: make sure you get your insurances in order, make sure
• 2:22
  Speaker 5: that you're organized if anything goes wrong.
• 2:25
  Speaker 1: And then something did go wrong.
• 2:26
  Speaker 5: The way she talked about it, don't you agree, Vee
• 2:28
  Speaker 5: was really empowering.
• 2:30
  Speaker 1: There was no point when we were listening and went,
• 2:32
  Speaker 1: oh god, she's a bit whoe is me? She was
• 2:35
  Speaker 1: just so switched on.
• 2:37
  Speaker 6: Yeah.
• 2:37
  Speaker 4: It was actually, in a way a little bit jarring
• 2:40
  Speaker 4: and in the best possible ways, right, because I had
• 2:43
  Speaker 4: no idea what that money diary was about, because I
• 2:45
  Speaker 4: never know until I actually get in the room and
• 2:47
  Speaker 4: then you read the email, right, and that's talk. Oh
• 2:49
  Speaker 4: my gosh, Like I thought that this would be, you know,
• 2:53
  Speaker 4: a little bit more of a down episode. But she
• 2:55
  Speaker 4: was so positive and it was so beautiful and I
• 2:57
  Speaker 4: just love that She's like, no, I was still getting married,
• 2:59
  Speaker 4: We still doing all this stuff like we do in
• 3:01
  Speaker 4: life together. It was just such a feel good story.
• 3:04
  Speaker 1: Yeah, it was.
• 3:05
  Speaker 2: Is it bad that it then makes me feel guilty
• 3:06
  Speaker 2: that I was like, Oh my coffee wasn't that hot
• 3:08
  Speaker 2: this morning?
• 3:08
  Speaker 3: How annoying, And she's just gone through all that and
• 3:10
  Speaker 3: it's just like, oh, whatever, it's fine.
• 3:12
  Speaker 5: I think it's nice when you hear those things that
• 3:14
  Speaker 5: put that stuff into perspective. Though We've definitely had times
• 3:16
  Speaker 5: in the office where I've been like, oh, my tram
• 3:19
  Speaker 5: was like oh my umbrella wasn't in my bag and
• 3:21
  Speaker 5: I've gotten all wet or whatever, and then we chat
• 3:23
  Speaker 5: to these amazing people in our community and I'm like, Okay, it's.
• 3:26
  Speaker 4: Pull your head Intoeah, It's really not that.
• 3:30
  Speaker 3: And the deep die of this week was about health insurance.
• 3:33
  Speaker 5: Yeah, so it kind of accidentally lined up with what
• 3:35
  Speaker 5: we chatted about in our money diary about having your
• 3:37
  Speaker 5: insurances together. But Georgia King and Victoria had a bit
• 3:41
  Speaker 5: of a chat about the health private health insurance premiums
• 3:45
  Speaker 5: going up every year, and it was really nice actually
• 3:48
  Speaker 5: hearing a little comparison between Well, I mean, you did
• 3:51
  Speaker 5: a great job, you always do.
• 3:52
  Speaker 4: Thank you. Did you know the insurance has actually went
• 3:55
  Speaker 4: up this year by two point seven four percent?
• 3:57
  Speaker 3: Is that a lot?
• 3:58
  Speaker 4: I just feel like it it's a bit of a
• 4:00
  Speaker 4: kick in the nuts after the year that we had.
• 4:03
  Speaker 4: Why'd you do that?
• 4:04
  Speaker 1: Because they put it off, didn't they know?
• 4:07
  Speaker 4: So this is the one that's going off, But the
• 4:08
  Speaker 4: last increase they put off for a little bit to
• 4:11
  Speaker 4: give us a little bit of COVID relief, which means
• 4:13
  Speaker 4: that they're closer together. So we've obviously got this, but
• 4:15
  Speaker 4: we also had one as well, So it just feels
• 4:20
  Speaker 4: a little bit too soon, guys.
• 4:21
  Speaker 5: But it was a really great chat that you guys
• 4:24
  Speaker 5: had that it didn't really say like you need private
• 4:27
  Speaker 5: health insurance, you don't need it, you shouldn't have it,
• 4:29
  Speaker 5: you should have it. It was really just about knowing
• 4:31
  Speaker 5: how to educate yourself. There were some great resources as well,
• 4:34
  Speaker 5: So if you've listened to it and you didn't see
• 4:36
  Speaker 5: in the show notes, there's a few little links that'll
• 4:39
  Speaker 5: take you to the right place and also are linked
• 4:42
  Speaker 5: by Victoria's book.
• 4:48
  Speaker 2: So go and check out those episodes. But this is
• 4:50
  Speaker 2: Friday Drinks where we like to celebrate the community talk
• 4:52
  Speaker 2: about what's going on in the money world. And Tony,
• 4:54
  Speaker 2: you came in hot and said, guys, we're ditching the plastic,
• 4:58
  Speaker 2: but it's not what we think.
• 5:00
  Speaker 1: Right, No, it's not so.
• 5:02
  Speaker 5: This bank in Australia has now changed their plastic debit cars,
• 5:08
  Speaker 5: which we all know on love. I mean, does anybody
• 5:10
  Speaker 5: really carry around a card anymore? I mean, is it
• 5:12
  Speaker 5: really bad that I only use Apple Pay? Is that naughty?
• 5:16
  Speaker 4: I don't think it's that naughty. I think it's just
• 5:18
  Speaker 4: only naughty if you're mindlessly spending on any way that
• 5:22
  Speaker 4: you pay.
• 5:23
  Speaker 3: Oh, have you got Apple to tap pay on your
• 5:25
  Speaker 3: phone or use the card?
• 5:26
  Speaker 6: No?
• 5:27
  Speaker 4: I do.
• 5:28
  Speaker 5: I just oh it's I mean, I'm not like getting
• 5:31
  Speaker 5: a kickback. It's really handy.
• 5:34
  Speaker 3: No, I'm sold on it. I'm just never got around
• 5:37
  Speaker 3: to it.
• 5:37
  Speaker 1: No, it's really good. But anyway, this is.
• 5:39
  Speaker 3: That what this company is doing.
• 5:41
  Speaker 5: No, so Gateway Bank in Australia. They've said goodbye to
• 5:44
  Speaker 5: paying with plastic and hello to paying with corn starch.
• 5:47
  Speaker 5: And it's Australia that's catchy. I love that instead.
• 5:52
  Speaker 1: Ditch the plastic. When we talk about not having a
• 5:55
  Speaker 1: credit card, will say, ditch the.
• 5:57
  Speaker 4: Corn starch because we don't want thick sauces. Where are
• 6:01
  Speaker 4: we going with this?
• 6:03
  Speaker 5: They're the first Australian bank to change their bank card
• 6:07
  Speaker 5: to being made out of corn starch except for the
• 6:10
  Speaker 5: magnetic strip and the little you know, the knobbly bits
• 6:14
  Speaker 5: on your card where it says your.
• 6:15
  Speaker 4: Name the numbers, so they have to be I don't know,
• 6:18
  Speaker 4: they have to be raised, yeah.
• 6:19
  Speaker 5: And it has to be compliant with like I guess,
• 6:22
  Speaker 5: so it's if the power goes out they can use.
• 6:26
  Speaker 6: Yeah.
• 6:27
  Speaker 4: All I can think of is how when I used
• 6:30
  Speaker 4: to go out and not want to take any like
• 6:33
  Speaker 4: collateral with Yah used to shove my bank card in
• 6:36
  Speaker 4: your bar?
• 6:37
  Speaker 1: Right?
• 6:38
  Speaker 4: Am I going to go to get it out in
• 6:39
  Speaker 4: the future and I'm just going to have a plastic
• 6:41
  Speaker 4: strip of the magnetics thing.
• 6:43
  Speaker 1: Like Victoria Divine is going to be like alphabets.
• 6:46
  Speaker 4: Yeah, and I've just made sauce in my bra Yeah.
• 6:49
  Speaker 5: Well that's why I like, if you get stuck in
• 6:51
  Speaker 5: the rain, do you have gravy instead of a waiter
• 6:54
  Speaker 5: so you can't buy lunch but you can eat the cards.
• 6:58
  Speaker 4: That's taking a new meaning to it's all gravy when
• 7:01
  Speaker 4: we talk about money.
• 7:02
  Speaker 2: The difference between Victoria and Tony and I V was like,
• 7:05
  Speaker 2: what if I'm going out in my pretty dress? An
• 7:07
  Speaker 2: Tony and I are both like, so if we're out
• 7:08
  Speaker 2: in the rain getting food suck on it.
• 7:11
  Speaker 5: Well, I want to know if this is the true
• 7:14
  Speaker 5: meaning of ethical investing.
• 7:17
  Speaker 3: I see what you're doing.
• 7:18
  Speaker 1: Oh guys, that was funny.
• 7:19
  Speaker 4: That's not ethical. You were meant to say like sustainable
• 7:22
  Speaker 4: or something, and I would have been like, again, we'll laugh,
• 7:25
  Speaker 4: I promise is this she actually believed?
• 7:31
  Speaker 1: That's so cute.
• 7:32
  Speaker 2: But in all seriousness, do we think a we know
• 7:36
  Speaker 2: why they're trying to do it, they're trying to be
• 7:39
  Speaker 2: environmentally conscious or as the corn, such thing just puts
• 7:41
  Speaker 2: us off a bit and it's a bit weird.
• 7:42
  Speaker 1: I just think it's goodish.
• 7:44
  Speaker 4: I think it's great. I think a great step towards sustainability.
• 7:48
  Speaker 5: So the CEO has come out and said they're very
• 7:51
  Speaker 5: proud to be Australia's first bank to offer a sustainable
• 7:54
  Speaker 5: option for people to use their bank.
• 7:57
  Speaker 1: But I don't know.
• 7:58
  Speaker 5: I think it's just like, how are they making sure?
• 8:00
  Speaker 5: Is it full of glue?
• 8:03
  Speaker 4: It's kind of like all of the sustainable cutlery and
• 8:05
  Speaker 4: stuff that's coming out recently, right, Like you've got all
• 8:08
  Speaker 4: these schlastic cutlery pieces, I don't know, paraphernalia made out
• 8:13
  Speaker 4: of like sugar cane and corn starch and bamboo, and
• 8:16
  Speaker 4: I think that that's really cool and that's working. Well.
• 8:19
  Speaker 2: Can I put it out there? Those paper straws just
• 8:22
  Speaker 2: don't bother? Just drink it out of the McDonald's.
• 8:23
  Speaker 4: What are you doing when I go through drive through
• 8:25
  Speaker 4: to get my coke and my small chips, because that's
• 8:28
  Speaker 4: what I do most times. I'm on the way home
• 8:30
  Speaker 4: and giving me a paper straw. It is soggy by
• 8:35
  Speaker 4: the time we get there. Can we have those sugar
• 8:37
  Speaker 4: cane ones just across the Boy's so much better?
• 8:40
  Speaker 2: Right?
• 8:40
  Speaker 6: Yeah?
• 8:40
  Speaker 1: I went somewhere the other day that had pasta.
• 8:43
  Speaker 4: What if I'm gluten intolerant, which I am, goodbye, I
• 8:47
  Speaker 4: really appreciate it, but a pasta one? Did they go, hey,
• 8:55
  Speaker 4: do you want to straw with your meal? And you
• 8:57
  Speaker 4: were like yes please? Are you gluten intolerant? Oh? Sorry,
• 8:59
  Speaker 4: I just ordered a coke?
• 9:02
  Speaker 1: Or what if you ordered a hot drinkles.
• 9:08
  Speaker 4: You'd like go back and be like, sorry, I ordered
• 9:10
  Speaker 4: chicken noodle soup, not just chicken soup, and they're like, oh,
• 9:13
  Speaker 4: the noodles.
• 9:13
  Speaker 6: Is all right.
• 9:24
  Speaker 2: So there's this article called here's the mistakes You're making.
• 9:27
  Speaker 2: That's costing you heaps of money with your heating bills.
• 9:31
  Speaker 2: And I worked at home all the year last year
• 9:33
  Speaker 2: and our house was really badly insulated, so it was
• 9:36
  Speaker 2: just really cold all the time.
• 9:38
  Speaker 3: Fifteen hundred dollars for a quarter, that's a lot.
• 9:41
  Speaker 5: I think our power bills tends to hang around three
• 9:45
  Speaker 5: four hundred dollars per quarter. And that's just the two
• 9:47
  Speaker 5: of us. Yeah, I don't know what's yours, Victoria.
• 9:51
  Speaker 4: Is it bad if my partner pays it?
• 9:54
  Speaker 1: No, I mean it's great for you, it's not bad
• 9:57
  Speaker 1: for me.
• 9:57
  Speaker 4: But I actually haven't seen one because we just moved
• 9:59
  Speaker 4: right and I think Steve organized it all.
• 10:01
  Speaker 3: Oh yeah, so this is going to be your first
• 10:03
  Speaker 3: winter in the new house.
• 10:04
  Speaker 2: We haven't possibly well, here is five mistakes that people
• 10:08
  Speaker 2: in Australia say, six cold.
• 10:11
  Speaker 4: One Okay, so it's getting shorter and shorter. You better
• 10:14
  Speaker 4: get into it. We don't have any.
• 10:17
  Speaker 3: And thanks for tuning in today.
• 10:18
  Speaker 2: All right, here's five heating mistakes that people make and
• 10:21
  Speaker 2: it costs them heaps of money apparently. So what we're
• 10:23
  Speaker 2: going to do is we're going to go through the
• 10:24
  Speaker 2: five things and see how many of these bad things
• 10:27
  Speaker 2: we have done.
• 10:28
  Speaker 1: If we're guilty of making about to get called out.
• 10:32
  Speaker 2: All right, mistake number one, assuming the most expensive heater
• 10:36
  Speaker 2: will be the best heater. So apparently, you know, choice
• 10:40
  Speaker 2: that website that does all the comparisons is that they
• 10:43
  Speaker 2: found out that some budget heaters cost less to buy
• 10:46
  Speaker 2: and it also costs less to run as well. So
• 10:49
  Speaker 2: you really, I think I had this thing in my
• 10:51
  Speaker 2: mind like, oh, you pay for the good expensive heater,
• 10:53
  Speaker 2: but you get it back because it's so efficient.
• 10:55
  Speaker 3: But that's what our parents.
• 10:56
  Speaker 4: Have sold us. They're the same people that yell at
• 10:58
  Speaker 4: us for the tumble dryer, Like, God forbid you use
• 11:01
  Speaker 4: a tumble dryer inside your house in the middle of winter.
• 11:04
  Speaker 4: If your mum sees it's a good day outside you
• 11:06
  Speaker 4: you're going to get cut.
• 11:07
  Speaker 3: Yeah, so you reckon.
• 11:07
  Speaker 2: They've also said they've drilled that into us that you
• 11:10
  Speaker 2: spend more and it's better.
• 11:12
  Speaker 4: Absolutely. Do you know how many fights we had when
• 11:13
  Speaker 4: I was growing up with my dad being like, turn
• 11:16
  Speaker 4: the heat down. It can't be above twenty one ra.
• 11:18
  Speaker 4: It's ridiculous. Like genuinely we would get in trouble for
• 11:23
  Speaker 4: changing the thermostat in the hallway. It's a pain point
• 11:26
  Speaker 4: for me.
• 11:26
  Speaker 1: Yeah, it's I'm so sorry.
• 11:29
  Speaker 4: So the argument this one's for you.
• 11:32
  Speaker 3: Is it fair to say we're all guilty of just
• 11:33
  Speaker 3: assuming that that was correct?
• 11:35
  Speaker 1: Yeah, and that goes for all appliances.
• 11:37
  Speaker 4: I think I didn't assume it. I was bullied as
• 11:39
  Speaker 4: a child, all right.
• 11:42
  Speaker 2: Next one forgetting to use reverse mode on your ceiling fans.
• 11:47
  Speaker 1: Oh, I don't think this is a thing.
• 11:49
  Speaker 4: No, No, I do. I know it's a thing.
• 11:53
  Speaker 5: It's like my dad whatever, But I don't think it's
• 11:58
  Speaker 5: a thing.
• 11:58
  Speaker 4: No, it's totally a thing. Oh, because it works. No,
• 12:02
  Speaker 4: because the fans they're slanted so like they either pull
• 12:06
  Speaker 4: air up or push it down. And in the middle
• 12:09
  Speaker 4: of winter you want it to push the air down
• 12:11
  Speaker 4: because hot air rises, and if you've got your fan
• 12:13
  Speaker 4: on low, it's slowly pushing your hot air back down.
• 12:16
  Speaker 4: And then in summer, obviously you want the hot air
• 12:19
  Speaker 4: to rise, so you turn it on reverse and it works,
• 12:23
  Speaker 4: I promise, because I used to not know about this,
• 12:26
  Speaker 4: and then I thought that the fan was just making
• 12:29
  Speaker 4: me hotter, and they're like, well, was it on the
• 12:30
  Speaker 4: summer setting? And I was like what? And then I
• 12:33
  Speaker 4: found it and it.
• 12:34
  Speaker 1: Actually helped.
• 12:37
  Speaker 2: When I first found out. I was like, well, that's
• 12:38
  Speaker 2: obviously not correct. But apparently and we are using the
• 12:41
  Speaker 2: fan is cheaper than the heater. So apparently if we've
• 12:43
  Speaker 2: got that and we can, you know, not use the
• 12:45
  Speaker 2: heater as much. And Tony is still not like, I'm.
• 12:47
  Speaker 5: Just not convinced about the El Nino. But I understand
• 12:51
  Speaker 5: what you're saying. I understand the science behind it, but.
• 12:56
  Speaker 4: What were you saying?
• 12:57
  Speaker 3: Right, I'll put that down for a Tony not believe in.
• 13:00
  Speaker 3: That's fun, all right?
• 13:01
  Speaker 4: Number three, I don't get it started on religion or politics.
• 13:05
  Speaker 2: Number three, And now I think Victoria's dad's going to
• 13:07
  Speaker 2: have something to say about this.
• 13:09
  Speaker 1: Well, it's about Slida Eric on the phone, give him
• 13:12
  Speaker 1: a call.
• 13:13
  Speaker 2: Cranking the temperature. Apparently the experts say that the difference
• 13:17
  Speaker 2: between what you want, you know, you say to the
• 13:20
  Speaker 2: heat up put it on twenty six degrees and what
• 13:22
  Speaker 2: it is outside has to be within eight degrees of
• 13:24
  Speaker 2: each other. So the outside temp has to be within
• 13:27
  Speaker 2: eight degrees of your desired temp because if it's because
• 13:30
  Speaker 2: if it's not, it's actually wasting energy and it's not
• 13:32
  Speaker 2: possible and it's just using more energy than actual heat provider.
• 13:35
  Speaker 4: Well I am not paying for it to be zero
• 13:37
  Speaker 4: degrees outside and my house to be heated to warm
• 13:40
  Speaker 4: and toasty eight degrees? Are you very joking me?
• 13:43
  Speaker 2: But I don't think it's going to get to like
• 13:45
  Speaker 2: it's saying it's not actually going to get it to
• 13:46
  Speaker 2: twenty six, like just having it within eight.
• 13:48
  Speaker 4: Oh, you best believe the heat is in my house.
• 13:51
  Speaker 4: I reckon it's thirty two degrees around.
• 13:53
  Speaker 1: They are the most expensive ones on the market.
• 13:56
  Speaker 4: They're aducted, and I've got to use my fans because
• 13:59
  Speaker 4: they're in the should.
• 14:01
  Speaker 3: We do it?
• 14:01
  Speaker 2: Ses on the money sweep to what Victoria's power bill
• 14:03
  Speaker 2: is going to be at the end of winter.
• 14:04
  Speaker 1: Oh that's a good idea.
• 14:06
  Speaker 4: Gosh, it would be bad because I'm you know, I'm
• 14:09
  Speaker 4: very environmentally conscious that the heater is definitely my downfall.
• 14:13
  Speaker 1: Well, I think that most people can relate to that absolutely.
• 14:16
  Speaker 4: And I also low key use my tumble dry resign.
• 14:20
  Speaker 3: Yes, oh that t shirts a bit creepy, chucking get me.
• 14:22
  Speaker 4: Everyone thinks I'm so put together when in reality I
• 14:25
  Speaker 4: had a toasty dress to get into it.
• 14:28
  Speaker 3: All right, the next one using the heater to dry
• 14:31
  Speaker 3: your laundry?
• 14:33
  Speaker 4: Okay, I mean, I just okay, yeah, cool, it's been
• 14:42
  Speaker 4: nice knowing you guys.
• 14:44
  Speaker 3: Tony Lodge. Is this something that happens in your household?
• 14:46
  Speaker 5: No, it's not, because so we've only got one like
• 14:50
  Speaker 5: reverse cycle unit in our house. So if we have
• 14:54
  Speaker 5: that on and we've got wet washing, so we've just
• 14:57
  Speaker 5: got a little apartment, it just makes the room.
• 14:59
  Speaker 1: To you.
• 15:02
  Speaker 5: So then our windows glaze over and it looks like
• 15:05
  Speaker 5: we've had a real romp in the in the hay
• 15:07
  Speaker 5: like in Titanic.
• 15:08
  Speaker 4: Back here, I am thinking you had a healthy relation.
• 15:14
  Speaker 1: It's just the watching introducing humidity into our house.
• 15:18
  Speaker 2: Well, apparently a lot of people will put the you know,
• 15:20
  Speaker 2: like on the clothes horse, and they'll put it over
• 15:21
  Speaker 2: the heating ducts next to the heater. It actually blocks
• 15:24
  Speaker 2: the hot air getting to the rest of the room.
• 15:26
  Speaker 2: Bus you need a lot more heat when you're covering
• 15:28
  Speaker 2: it over.
• 15:29
  Speaker 1: That actually makes.
• 15:31
  Speaker 2: Yeah, Tony was practically right. I'm very guilty of this.
• 15:34
  Speaker 2: We don't have a dryer at this stage, you know,
• 15:36
  Speaker 2: not Victoria, Yes, at the moment, but.
• 15:39
  Speaker 3: I use the heater and guilty as charged.
• 15:42
  Speaker 2: So there are the five how many do you have, Tony?
• 15:45
  Speaker 2: You kind of disagree with all of them.
• 15:47
  Speaker 5: Yeah, I don't disagree with I don't agree with science.
• 15:50
  Speaker 5: I think I had two on there.
• 15:52
  Speaker 3: Yeah. Do you feel better for knowing those?
• 15:54
  Speaker 4: I actually don't want to talk about it.
• 15:55
  Speaker 5: I feel like we've all learned about Victoria's habits and
• 16:00
  Speaker 5: her family relations.
• 16:01
  Speaker 4: Can you imagine how angry my dad's going to be
• 16:04
  Speaker 4: at me when he finds out I keep my house
• 16:05
  Speaker 4: at a cool thirty two degrees all the time, or
• 16:08
  Speaker 4: when he says, Victoria, you could have just put a
• 16:11
  Speaker 4: jumper on, put another pair of socks on, go to
• 16:14
  Speaker 4: bed early. You don't need to have that heater on.
• 16:17
  Speaker 3: Maybe I should have been tip number six, just put
• 16:19
  Speaker 3: a jumper on.
• 16:19
  Speaker 1: Yeah, that's a good tip.
• 16:21
  Speaker 4: Yeah, put another jumper on. No, do you know how
• 16:24
  Speaker 4: fancy these pajamas I'm wearing are right now? I'm not
• 16:27
  Speaker 4: covering this luxury up.
• 16:37
  Speaker 2: I'm going to put this out there. This is a
• 16:39
  Speaker 2: trigger warning because people get real worked up about this, and.
• 16:42
  Speaker 3: So do I.
• 16:43
  Speaker 4: What are you going to talk about?
• 16:45
  Speaker 3: Caitlin posted in the Grip.
• 16:47
  Speaker 4: Yeah I get I get up in arms every time she.
• 16:49
  Speaker 2: Po wanting to know if anyone else feels the same
• 16:53
  Speaker 2: as me, Why does it feel illegal and like I'm
• 16:56
  Speaker 2: letting down my whole workplace just for a lying or
• 17:01
  Speaker 2: asking for leave that I'm actually entitled.
• 17:04
  Speaker 4: Oh this is such a good one.
• 17:05
  Speaker 2: I find myself having to work myself up to speak
• 17:07
  Speaker 2: to the boss, even for a few days. I kind
• 17:09
  Speaker 2: of like, you know, dread going on. I'm gonna have
• 17:11
  Speaker 2: to go and see him and talk to him. And
• 17:13
  Speaker 2: that's for one day, let alone an extended period. Has
• 17:16
  Speaker 2: anyone else experienced this? And there are so many comments?
• 17:21
  Speaker 2: So who wants to go first? V?
• 17:23
  Speaker 3: You? You as are all revers each other. V. What's
• 17:27
  Speaker 3: your thoughts?
• 17:27
  Speaker 4: Well, I don't have a boss, so I don't feel guilty.
• 17:31
  Speaker 4: But as a boss, yeah, Look, as a boss, I
• 17:34
  Speaker 4: feel like I'm probably a bit different. I just I
• 17:37
  Speaker 4: genuinely think that people should be taking leave. And you know,
• 17:41
  Speaker 4: you both are in my team, so you know what
• 17:44
  Speaker 4: my approach is to it. And I arguably argued with
• 17:47
  Speaker 4: you recently Tony about taking more leave than what you
• 17:50
  Speaker 4: were planning on taking, and I was like, what, no,
• 17:52
  Speaker 4: take more?
• 17:52
  Speaker 1: Like that's a great trier bye bye.
• 17:55
  Speaker 4: And for me, I think it's really positive for your
• 17:57
  Speaker 4: team to be taking leave for their mental health. For
• 17:59
  Speaker 4: their family, their friends and whatever else they're doing. But
• 18:02
  Speaker 4: also like, let's just make it a little bit more
• 18:04
  Speaker 4: about the business owner for a second. I don't want
• 18:07
  Speaker 4: you having massive leave balances on my balance sheet every year. True,
• 18:11
  Speaker 4: that's massive because if you then left my business, I
• 18:15
  Speaker 4: have to pay you out all of that leave anyway,
• 18:17
  Speaker 4: So whether you're feeling bad for taking it or not,
• 18:19
  Speaker 4: I'm gonna pay it anyway.
• 18:21
  Speaker 2: That actually annoys me so much with the balance things,
• 18:24
  Speaker 2: because often it's really hard to take leave and then
• 18:26
  Speaker 2: an email comes out in June and they're like, you
• 18:28
  Speaker 2: have to take your leave, and I've been trying to
• 18:31
  Speaker 2: take leave for a year and upon me and I
• 18:33
  Speaker 2: have to take it in winter when I wanted to
• 18:35
  Speaker 2: go to the beach or do something.
• 18:37
  Speaker 3: And stuff like that. So, Tony, what's your read?
• 18:40
  Speaker 5: I've because I think hearing your perspective as a boss
• 18:43
  Speaker 5: V is really interesting because I would have never thought
• 18:45
  Speaker 5: about like.
• 18:46
  Speaker 1: The balance sheet or the budget or how that looks
• 18:49
  Speaker 1: for you.
• 18:50
  Speaker 5: Mine is probably more about my team because I know
• 18:53
  Speaker 5: that if I have time off because I'm ill, or
• 18:56
  Speaker 5: because I want to go on holiday or whatever, I
• 18:59
  Speaker 5: think about how that's going to impact the people that
• 19:00
  Speaker 5: I work with, So say I'm not coming in, I think, oh,
• 19:03
  Speaker 5: my gosh, is that Ryan's going to have to cut
• 19:05
  Speaker 5: the podcast or Jess is going to have to do
• 19:08
  Speaker 5: something for me and George is going to have to
• 19:09
  Speaker 5: do more to make up for me or whatever. And
• 19:11
  Speaker 5: that's my perspective. And I think because I'm a little
• 19:14
  Speaker 5: anxious being, I'm always thinking I don't want to let
• 19:17
  Speaker 5: the team down and have time off and have to
• 19:19
  Speaker 5: get other people to cover me.
• 19:20
  Speaker 4: I totally get that, but flip that if Ryan was
• 19:23
  Speaker 4: really sick, wouldn't you be like, Oh, don't worry, Ryan,
• 19:26
  Speaker 4: I'll cut it for you. So you're extending the grace
• 19:29
  Speaker 4: to him, but like just not giving it to yourself
• 19:31
  Speaker 4: when you're not well.
• 19:32
  Speaker 2: So Caitlin in the group, she writes, this is so
• 19:35
  Speaker 2: relatable for me. The issue isn't asking for the leave,
• 19:37
  Speaker 2: it's being able to enjoy the leave when I'm on it,
• 19:40
  Speaker 2: because when I'm not at work, I'm thinking, oh, is
• 19:42
  Speaker 2: that thing getting done?
• 19:43
  Speaker 3: Is that person who's covering for me? Are they okay?
• 19:46
  Speaker 2: And I don't actually get to enjoy my time off
• 19:48
  Speaker 2: because I'm still mentally could.
• 19:50
  Speaker 4: You just like key in a song, toxic by Britney speak,
• 19:53
  Speaker 4: it's about her workplace. Yeah, No, if you feel bad
• 19:57
  Speaker 4: being on leave, that's not a positive thing. Like you
• 19:59
  Speaker 4: should have created a culture where you can leave and
• 20:02
  Speaker 4: feel really comfortable to enjoy your time because your team
• 20:05
  Speaker 4: is covering for you, or everything's been organized. And I
• 20:09
  Speaker 4: know that sometimes that means you do do up a
• 20:10
  Speaker 4: little bit of a hand over documents so that you
• 20:12
  Speaker 4: don't feel like you're losing track and you know what
• 20:14
  Speaker 4: you're going to come back into, and that's all okay,
• 20:17
  Speaker 4: But I think if you're on holidays you should be
• 20:19
  Speaker 4: enjoying that, And if you're not enjoying that, you really
• 20:21
  Speaker 4: need to have to think about why that's not the case,
• 20:23
  Speaker 4: because that's not fair on you. It's not fair on
• 20:25
  Speaker 4: your mental health. And then furthering that, let's be a
• 20:28
  Speaker 4: little bit business self centered for a second. It's actually
• 20:31
  Speaker 4: not fair on your business for you not to be
• 20:33
  Speaker 4: well rested and not to be mentally well and physically well.
• 20:36
  Speaker 4: You need that break. You perform better when you're at
• 20:38
  Speaker 4: work and you're a whole being.
• 20:41
  Speaker 2: Yeah, one thing that annoys me And this might just
• 20:44
  Speaker 2: be a real nitpicky thing.
• 20:45
  Speaker 4: Yeah, guys, it's me when you get a job the
• 20:48
  Speaker 4: old boss, that's why did he think that I'm his
• 20:55
  Speaker 4: work wise?
• 20:56
  Speaker 1: Quite sweet?
• 20:57
  Speaker 3: Are you not?
• 20:59
  Speaker 1: Who the hell? Something's going to happen?
• 21:04
  Speaker 3: Guys don't look at each other.
• 21:07
  Speaker 2: One thing that annoys me is that when you sign
• 21:09
  Speaker 2: a job, you know you contract your workplace employment. Part
• 21:12
  Speaker 2: of the deal is you get four weeks off that's
• 21:15
  Speaker 2: owed to you. You don't You shouldn't be Oh, I'm
• 21:17
  Speaker 2: so lucky you have it. No, No, we signed the deal.
• 21:20
  Speaker 2: That was the deal, and you work for it. You
• 21:22
  Speaker 2: work for it. And for me, imagine every month going
• 21:25
  Speaker 2: to your boss and being like, oh, can you please
• 21:27
  Speaker 2: pay me and then being like oh far out. It's like,
• 21:30
  Speaker 2: well no, and it's the same thing. I worked for
• 21:32
  Speaker 2: the money, and I also work to accue a crew
• 21:34
  Speaker 2: this leave.
• 21:35
  Speaker 3: So you signed the deal.
• 21:36
  Speaker 2: I shouldn't have to be made to feel bad about
• 21:39
  Speaker 2: just getting what I'm entitled to.
• 21:41
  Speaker 1: And whilst I.
• 21:42
  Speaker 5: Totally agree with where you're coming from, I have one
• 21:44
  Speaker 5: hundred percent worked in workplaces that make you feel like
• 21:47
  Speaker 5: you are so lucky to be getting paid that week
• 21:50
  Speaker 5: or so lucky to be going on leave. So unfortunately
• 21:53
  Speaker 5: I get where Caitlin's coming from because that really really sucks.
• 21:58
  Speaker 4: I've been there. I felt like that too.
• 22:00
  Speaker 5: I don't think there's anybody that hasn't worked in a
• 22:02
  Speaker 5: place that's like that. Luckily for me now work for
• 22:04
  Speaker 5: the best boss in the world, but you know, wants
• 22:05
  Speaker 5: to clear her balance sheet so that I.
• 22:14
  Speaker 2: So last week on She's on the Money, You guys
• 22:16
  Speaker 2: did an episode on imposter syndrome. Actually a question without
• 22:19
  Speaker 2: notice V how would you sum up imposter syndrome?
• 22:22
  Speaker 3: How did you define it?
• 22:23
  Speaker 4: It's where you think you're faking it until you make it,
• 22:25
  Speaker 4: and you genuinely believed that you were a fake the
• 22:27
  Speaker 4: whole time, but it's not true.
• 22:28
  Speaker 3: It's like they're going to figure out that I'm a faire.
• 22:31
  Speaker 4: You're going to be exposed for doing your job well.
• 22:33
  Speaker 2: And a lot of people really resonated with that episode
• 22:35
  Speaker 2: because I feel like, is it fit like the three
• 22:37
  Speaker 2: we've all had. I've had experiences like I still have
• 22:39
  Speaker 2: it all the time that you guys are same A man.
• 22:42
  Speaker 4: Who has imposter syndrome, Well.
• 22:44
  Speaker 1: Tony my heart.
• 22:46
  Speaker 2: Bleys who know a straight white middle class guy, I
• 22:50
  Speaker 2: must be so.
• 22:52
  Speaker 1: Hard for you. I can't relate to that unrelatable content.
• 22:55
  Speaker 5: But I think that anybody, man, woman, non binary, does
• 22:59
  Speaker 5: not matter who you are. There's every single person is
• 23:03
  Speaker 5: confronted with that.
• 23:04
  Speaker 4: It's hard too because you just don't know who to
• 23:06
  Speaker 4: talk to and don't know how to validate those feelings,
• 23:09
  Speaker 4: and it's just it's challenging.
• 23:11
  Speaker 2: Well, you do know who to speak to you Now,
• 23:12
  Speaker 2: she's in the money group because after the episode, Sophie
• 23:15
  Speaker 2: Marshall did a post and she was like, I heard
• 23:17
  Speaker 2: the episode. It really resonated with me. So I'm starting
• 23:20
  Speaker 2: a thread about tooting your own horn, which is super cool,
• 23:23
  Speaker 2: super empowering. We've all got some of our favorite horn
• 23:26
  Speaker 2: toots and Victoria will go first.
• 23:29
  Speaker 4: Okay, I am very excited about these. I got to
• 23:31
  Speaker 4: go first, which means I got to arguably now the
• 23:34
  Speaker 4: best to your own fast. So the first one was
• 23:37
  Speaker 4: by Nicole and I liked this one. It was short,
• 23:39
  Speaker 4: sharp to the point she says, quit my toxic nine
• 23:42
  Speaker 4: to five job. I'm now a full time plarties teacher.
• 23:44
  Speaker 3: Oh legends too.
• 23:47
  Speaker 4: I like that she got a lot of likes on that,
• 23:49
  Speaker 4: and I think that that's so empowering, Like, how we
• 23:51
  Speaker 4: exciting quit my toxic job? Yes, money win life, win
• 23:55
  Speaker 4: everything Win.
• 23:56
  Speaker 1: A little bit off topic, but there's been.
• 23:58
  Speaker 5: A lot of really in credible posts in our community lately,
• 24:02
  Speaker 5: but people talking about ditching their job even though it's
• 24:05
  Speaker 5: high paying, and going to something they're really passionate about.
• 24:08
  Speaker 1: And there is just something that really that does mean yeah, yeah,
• 24:12
  Speaker 1: makes me.
• 24:12
  Speaker 5: So happy to hear for other people because oh it's
• 24:15
  Speaker 5: so exciting, just something about it.
• 24:17
  Speaker 4: Yeah, right, well you're gonna like this next one, yes,
• 24:20
  Speaker 4: So before I get into it, Ryan, you'd know Big four.
• 24:23
  Speaker 4: We know we're talking about, you know, consulting accounting fans, right,
• 24:27
  Speaker 4: Like becoming a senior consultant is a big deal, right, Like,
• 24:30
  Speaker 4: that's a bougie title.
• 24:31
  Speaker 1: I don't even know that word.
• 24:33
  Speaker 3: Yeah, I mean it's got more than five letters in it,
• 24:35
  Speaker 3: so that might not be your area.
• 24:36
  Speaker 4: That's really unkind if you ran another white male thing
• 24:40
  Speaker 4: of course.
• 24:41
  Speaker 5: Yeah, there's that imposter syndrome again, the words with more
• 24:44
  Speaker 5: than six letters.
• 24:46
  Speaker 4: But this little toot is coming from Steph and she says, Hi, Steph,
• 24:51
  Speaker 4: I'm twenty three and working as a senior consultant in
• 24:54
  Speaker 4: a Big four professional services firm, which, if you don't
• 24:58
  Speaker 4: know what that is, that's a big roll. Yeah, I
• 25:02
  Speaker 4: appreciate it, but whatever. And she says, hopefully soon going
• 25:08
  Speaker 4: to go to manager and I'm concurrently studying law full time.
• 25:14
  Speaker 4: And then she said, need to tute myself more often.
• 25:17
  Speaker 4: Yes you do, queen. I literally loved that. I was like, heck, yes,
• 25:22
  Speaker 4: because that is so hard to get into a position
• 25:26
  Speaker 4: like that.
• 25:26
  Speaker 3: It is into the firm in general.
• 25:28
  Speaker 4: It's hard enough, exactly, and you're already talking about going
• 25:31
  Speaker 4: to a management position at twenty three.
• 25:33
  Speaker 5: She's got it on, she's got.
• 25:36
  Speaker 3: It going on.
• 25:38
  Speaker 1: She's on the money.
• 25:41
  Speaker 3: And that is the end of the all podcasts.
• 25:43
  Speaker 1: I wish it was.
• 25:44
  Speaker 4: You can actually just put me in the bin on
• 25:45
  Speaker 4: the way out.
• 25:48
  Speaker 1: Okay, I was a bit naughty.
• 25:50
  Speaker 5: I've got three, so I'll go through them, all right,
• 25:55
  Speaker 5: all right.
• 25:55
  Speaker 1: Right, okay. So the first one, which I absolutely love,
• 25:58
  Speaker 1: is from someone called Becka Brown. Hi Rebecca.
• 26:02
  Speaker 5: They say I'm doing breast cancer research and knows so
• 26:05
  Speaker 5: much more than I did in January. And I can't
• 26:07
  Speaker 5: explain how proud I am of myself, but I also
• 26:09
  Speaker 5: feel like I know absolutely nothing because there's so much
• 26:12
  Speaker 5: more to learn. But I'm tooting my own horn anyway.
• 26:15
  Speaker 4: Yes, I love that.
• 26:16
  Speaker 5: Because I think that sometimes people think that it has
• 26:19
  Speaker 5: to be a tangible thing to toot your own horn.
• 26:22
  Speaker 1: But no, you learn, that's amazing.
• 26:24
  Speaker 2: That's huge, and sometimes it's nice to The more you learn,
• 26:28
  Speaker 2: the more you realize you don't know the fact. She's
• 26:31
  Speaker 2: aware of that. She's like, I'm on this journey, I'm
• 26:32
  Speaker 2: getting started. I've had a great six months and I'm
• 26:34
  Speaker 2: still learning more, like.
• 26:35
  Speaker 5: And breast cancer research as well. She's a better personally special,
• 26:39
  Speaker 5: Emily Jade has got.
• 26:41
  Speaker 4: Been working for a company that improves the financial literacy
• 26:44
  Speaker 4: rates of literally women all around the country.
• 26:46
  Speaker 1: But yeah, cool, Well, I'm sorry, I'm trying to do
• 26:48
  Speaker 1: my best.
• 26:48
  Speaker 3: Well, when you said she's a better person than I
• 26:51
  Speaker 3: were you waiting for us to kind of butt in.
• 26:52
  Speaker 1: Because we both I know that you won't.
• 26:55
  Speaker 5: I just never wait for that anymore, Okay, Emily Jade
• 26:58
  Speaker 5: has said, I moved out and lived alone at sixteen
• 27:00
  Speaker 5: and became the first person in my family to finish UNI.
• 27:03
  Speaker 1: I am now the only.
• 27:04
  Speaker 5: Aboriginal teacher in a school of over three thousand kids
• 27:07
  Speaker 5: who syndrome every day.
• 27:09
  Speaker 4: No, you're not in imposter. You were exactly where you
• 27:11
  Speaker 4: were meant to be.
• 27:13
  Speaker 1: In fact amazing.
• 27:14
  Speaker 4: There should be more of her in that position.
• 27:16
  Speaker 1: She's rapping as well, isn't that amazing?
• 27:19
  Speaker 3: That's epic. Three thousand kids school.
• 27:21
  Speaker 1: That is a big that's a big school, right, yeah.
• 27:23
  Speaker 3: Yeah, big time Kasmania.
• 27:25
  Speaker 4: I didn't even know there were three students.
• 27:28
  Speaker 1: I've got a sneaky last time.
• 27:29
  Speaker 4: Okay, okay, I want to hear it.
• 27:30
  Speaker 5: Taylor Arkley said, just moved into my own purchase department
• 27:34
  Speaker 5: at nineteen wha getting kicked out of home at sixteen
• 27:39
  Speaker 5: and becoming homeless at that age.
• 27:41
  Speaker 4: Oh if that's not a money diary in the making,
• 27:43
  Speaker 4: my friend, you slide into our dms. We want to
• 27:45
  Speaker 4: hear that story.
• 27:46
  Speaker 5: I'm very, very proud of this and how far I've come.
• 27:48
  Speaker 5: Feels surreal to be able to live in my own place.
• 27:51
  Speaker 1: We are also so proud of you. We love you.
• 27:54
  Speaker 3: That's amazing. I do too, That's so good.
• 28:01
  Speaker 1: I love it when we read the ones that make
• 28:02
  Speaker 1: us all a bit crying.
• 28:04
  Speaker 4: I think that, you know, we work in this space
• 28:05
  Speaker 4: every day, and I would say that we're relatively grateful people,
• 28:08
  Speaker 4: but we just sometimes don't comprehend how special the stories
• 28:11
  Speaker 4: we get to share are. It's It's epic, very exciting.
• 28:16
  Speaker 1: All right, try and top that.
• 28:18
  Speaker 3: She should have gone last. That was real.
• 28:19
  Speaker 1: Hang on, no, no, all.
• 28:20
  Speaker 5: The tooting is amazing. Everyone's on the same level. Some
• 28:23
  Speaker 5: stories just hit a bit different.
• 28:24
  Speaker 2: Oh good, that well, said, Alice says. In twelve months,
• 28:28
  Speaker 2: I've risen from admin assistant to the manager of my
• 28:31
  Speaker 2: entire clinic, managing a ten staff across two venues, and
• 28:36
  Speaker 2: I'm doing a really.
• 28:36
  Speaker 3: Good job of it. I'm doing a good job of it.
• 28:39
  Speaker 2: So this week I stood my ground and asked for
• 28:41
  Speaker 2: an additional six dollars an hour, which adds up to
• 28:44
  Speaker 2: a lot over the week and over the years. So,
• 28:46
  Speaker 2: Alice Murphy, what a legend.
• 28:50
  Speaker 1: Indeed amazing.
• 28:51
  Speaker 2: Now this is a a to my own horn from Angela,
• 28:55
  Speaker 2: but I feel.
• 28:56
  Speaker 3: Like this sums up this whole chat.
• 28:57
  Speaker 2: Okay, Angeler can confirm imposter syndrome shouldn't exist, because the
• 29:02
  Speaker 2: longer I'm in my workplace, I realized that no one
• 29:05
  Speaker 2: else actually knows what the hell they're doing.
• 29:06
  Speaker 4: Yeah, can confirm it shouldn't exist. I genuinely believe that
• 29:12
  Speaker 4: as well. It's so interesting as you get a bit
• 29:15
  Speaker 4: older and you start to become a little bit more
• 29:18
  Speaker 4: experienced in your role. You're like, oh, so we're all
• 29:20
  Speaker 4: just popping around here taking we know what we're doing.
• 29:22
  Speaker 5: Everyone's just banging on their keyboard like this, trying to
• 29:25
  Speaker 5: figure it out.
• 29:26
  Speaker 3: I don't really know what I'm doing.
• 29:27
  Speaker 2: They're going to find out, and everyone else is sitting
• 29:28
  Speaker 2: there going I also don't know what I'm doing.
• 29:31
  Speaker 4: I'll just write a whole heap of emails and send
• 29:32
  Speaker 4: them to drafts.
• 29:33
  Speaker 5: I'll just look angry for the rest of the day,
• 29:35
  Speaker 5: and I hope that no.
• 29:36
  Speaker 4: One will just half around the office and say I
• 29:38
  Speaker 4: need more coffee. All right, we're outing ourselves, all.
• 29:43
  Speaker 2: Right, thank you for listening to Friday Drinks. There is
• 29:46
  Speaker 2: a bonus episode out this week as well.
• 29:48
  Speaker 5: Yes, so we have a very very exciting announcement which
• 29:51
  Speaker 5: would have so fun, which you would have.
• 29:53
  Speaker 1: Seen on our Instagram if you.
• 29:55
  Speaker 5: Want, all right, that's a too our own harnsy I
• 29:59
  Speaker 5: would love it if you tot your horn.
• 30:00
  Speaker 6: Right, Okay.
• 30:00
  Speaker 4: We launched our partnership with six Park this week, which
• 30:04
  Speaker 4: brings to life investing in a way that is much
• 30:07
  Speaker 4: more accessible. It is the next step from micro investing
• 30:11
  Speaker 4: and it's full service investment advice. So we're not talking
• 30:15
  Speaker 4: you know, jumping on an investment platform and popping your
• 30:18
  Speaker 4: money in like most of the micro investing platforms we
• 30:20
  Speaker 4: always talk about. It literally gives you a statement of advice,
• 30:23
  Speaker 4: which I was talking to you earlier about because you're like, well,
• 30:26
  Speaker 4: what's that even cost? The average investment statement of advice
• 30:29
  Speaker 4: in Australia sits between three thousand and seven thousand dollars
• 30:32
  Speaker 4: for just the advice, and this starts at nine ninety
• 30:35
  Speaker 4: five a month. And I think that is pretty good
• 30:37
  Speaker 4: to have a financial advisor on call whenever you want
• 30:39
  Speaker 4: one to talk about your investments.
• 30:40
  Speaker 2: Absolutely, I feel like and tell me if I'm wrong here.
• 30:43
  Speaker 2: But being in the group, I feel like there's people
• 30:46
  Speaker 2: who are getting started and are using rays and spaceships
• 30:49
  Speaker 2: and those great things. There's people who have got inheritance
• 30:51
  Speaker 2: or people older than us. They've got a stack and
• 30:52
  Speaker 2: they've got these big investment strategies. But there's this gap
• 30:55
  Speaker 2: in the middle, massive gap. And is that what we're
• 30:57
  Speaker 2: talking about.
• 30:57
  Speaker 4: It is filling the void for those peace people who say, hey,
• 31:00
  Speaker 4: V like I've been doing my rais or have been
• 31:03
  Speaker 4: doing my space sheep or on Clover, like I've got
• 31:05
  Speaker 4: to five thousand dollars, what's next? And the logical thing
• 31:09
  Speaker 4: is I would love for you to get financial advice
• 31:11
  Speaker 4: and start like investing in a well diversified set of ETFs,
• 31:15
  Speaker 4: not just one ETF, and you know, get some advice
• 31:18
  Speaker 4: to make sure that it's always rebalanced properly. And unfortunately
• 31:22
  Speaker 4: that's always been too expensive and I don't want to
• 31:24
  Speaker 4: refer you to that because if you have five grand
• 31:26
  Speaker 4: and then I'm asking you to spend you know, minimum
• 31:28
  Speaker 4: three grand advice.
• 31:30
  Speaker 2: It's just so, just as a financial advisor. So there's
• 31:36
  Speaker 2: a full bonus episode on that. All the juice, all
• 31:40
  Speaker 2: the tea.
• 31:40
  Speaker 4: All the tea, you got bees built. Yeah, I think
• 31:43
  Speaker 4: that's all we have time for today. But just before
• 31:46
  Speaker 4: we head off, we'd like to acknowledge and pay respect
• 31:49
  Speaker 4: to Australia's Aboriginal and Torrest Trade islander people's. They're the
• 31:52
  Speaker 4: traditional custodians of the lands, the waterways and the skies
• 31:56
  Speaker 4: all across Australia. We thank you for caring and for
• 31:59
  Speaker 4: sharing land on which we are able to learn. We
• 32:02
  Speaker 4: pay our respects to elders past and present, and we
• 32:05
  Speaker 4: share our friendship and our kindness.
• 32:07
  Speaker 5: The advice shared on She's on the Money is generally
• 32:10
  Speaker 5: nature and does not consider your individual circumstances. She's on
• 32:13
  Speaker 5: the Money exists purely for educational purposes and should not
• 32:17
  Speaker 5: be relied upon to make an investment or purchase or
• 32:19
  Speaker 5: financial decision or I added purchase in there or nine.
• 32:22
  Speaker 1: But also that yeah, that too, and we promise.
• 32:26
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• 32:38
  Speaker 3: All right.
• 32:38
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• 32:45
  Speaker 4: People are at my old house.
• 32:46
  Speaker 1: It's such a warm bed. There's so many people. Okay,
• 32:51
  Speaker 1: that was interesting.
• 33:00
  Speaker 2: Do