Latest / Making Cents / She Went From 'Bad With Money' To Successful Investor: What Actually Worked

Transcript

She Went From 'Bad With Money' To Successful Investor: What Actually Worked · Making Cents

• 0:00
  Buying
• 0:00
  a
• 0:00
  house
• 0:00
  with
• 0:01
  someone
• 0:01
  you've
• 0:01
  only
• 0:02
  known
• 0:02
  three
• 0:02
  weeks
• 0:03
  is
• 0:04
  not
• 0:04
  the
• 0:04
  usual
• 0:05
  investing
• 0:05
  advice.
• 0:06
  Sometimes
• 0:07
  the
• 0:07
  path
• 0:08
  from
• 0:08
  being
• 0:08
  bad
• 0:09
  with
• 0:09
  money
• 0:10
  to
• 0:10
  becoming
• 0:10
  a
• 0:10
  confident
• 0:11
  investor
• 0:12
  is
• 0:13
  a
• 0:13
  little
• 0:13
  unconventional.
• 0:15
  Today's
• 0:15
  guest,
• 0:16
  perfect
• 0:16
  example
• 0:17
  of
• 0:17
  that.
• 0:18
  Now,
• 0:18
  these
• 0:18
  days,
• 0:19
  Sophie
• 0:19
  Horwright
• 0:20
  is
• 0:20
  the
• 0:20
  co
• 0:20
  founder
• 0:21
  of
• 0:21
  the
• 0:21
  Curve,
• 0:22
  a
• 0:22
  platform
• 0:23
  helping
• 0:23
  thousands
• 0:24
  of
• 0:24
  women
• 0:24
  learn
• 0:25
  about
• 0:25
  money
• 0:25
  and
• 0:26
  investing.
• 0:27
  But
• 0:27
  like
• 0:28
  many
• 0:28
  of
• 0:28
  us,
• 0:29
  she
• 0:29
  has
• 0:29
  had
• 0:30
  to
• 0:30
  learn
• 0:30
  a
• 0:30
  few
• 0:31
  lessons
• 0:31
  the
• 0:32
  hard
• 0:32
  way.
• 0:33
  Memorably,
• 0:33
  she
• 0:34
  once
• 0:34
  invested
• 0:35
  so
• 0:35
  much
• 0:35
  in
• 0:35
  the
• 0:35
  share
• 0:36
  market
• 0:36
  that
• 0:37
  she
• 0:37
  ended
• 0:37
  up
• 0:37
  investing
• 0:38
  herself
• 0:38
  broke,
• 0:39
  without
• 0:40
  even
• 0:40
  having
• 0:40
  the
• 0:40
  money
• 0:41
  to
• 0:41
  pay
• 0:41
  for
• 0:41
  a
• 0:41
  bus
• 0:42
  ticket.
• 0:42
  And
• 0:42
  more
• 0:43
  recently,
• 0:43
  she
• 0:44
  took
• 0:44
  the
• 0:44
  leap
• 0:44
  into
• 0:45
  property
• 0:45
  investment
• 0:46
  with
• 0:47
  someone
• 0:47
  she'd
• 0:48
  only
• 0:48
  known
• 0:49
  for
• 0:49
  three
• 0:49
  weeks.
• 0:50
  I
• 0:50
  also
• 0:50
  had
• 0:51
  known
• 0:51
  this
• 0:51
  person
• 0:51
  for
• 0:51
  three
• 0:52
  weeks
• 0:52
  when
• 0:52
  we
• 0:52
  decided
• 0:53
  to
• 0:53
  do
• 0:53
  this.
• 0:53
  So,
• 0:53
  like,
• 0:54
  I
• 0:54
  am
• 0:55
  crazy.
• 0:56
  Okay,
• 0:57
  so,
• 0:57
  all
• 0:57
  right.
• 0:58
  Yeah,
• 0:58
  more
• 0:59
  context,
• 0:59
  more
• 0:59
  context.
• 1:00
  The
• 1:00
  truth
• 1:00
  is,
• 1:01
  a
• 1:01
  lot
• 1:01
  of
• 1:01
  people
• 1:01
  who
• 1:02
  end
• 1:02
  up
• 1:02
  good
• 1:02
  with
• 1:02
  money
• 1:03
  don't
• 1:03
  start
• 1:04
  out
• 1:04
  that
• 1:04
  way.
• 1:05
  They
• 1:05
  experiment,
• 1:06
  make
• 1:07
  mistakes,
• 1:07
  and
• 1:08
  figure
• 1:08
  things
• 1:08
  out
• 1:09
  as
• 1:09
  they
• 1:09
  go.
• 1:10
  Everybody
• 1:10
  listening.
• 1:11
  Do
• 1:11
  not
• 1:11
  do
• 1:11
  this.
• 1:13
  That's
• 1:13
  been
• 1:13
  a
• 1:13
  theme
• 1:14
  I
• 1:14
  had
• 1:15
  to
• 1:15
  really
• 1:17
  F
• 1:17
  up
• 1:18
  many
• 1:18
  times
• 1:19
  before,
• 1:20
  or
• 1:20
  I
• 1:21
  started
• 1:21
  to
• 1:21
  put
• 1:22
  better
• 1:22
  practices
• 1:22
  in
• 1:23
  place
• 1:23
  to
• 1:23
  avoid
• 1:24
  that
• 1:24
  constant
• 1:25
  anxiety.
• 1:26
  To
• 1:26
  take
• 1:26
  those
• 1:26
  lessons
• 1:27
  and
• 1:27
  then
• 1:28
  build
• 1:28
  a
• 1:28
  business
• 1:28
  around
• 1:29
  it
• 1:29
  alongside
• 1:30
  a
• 1:30
  friend,
• 1:30
  well,
• 1:31
  that's
• 1:32
  the
• 1:32
  sort
• 1:32
  of
• 1:32
  thing
• 1:32
  I
• 1:32
  love
• 1:33
  to
• 1:33
  see.
• 1:33
  It
• 1:33
  does
• 1:34
  make
• 1:34
  me
• 1:34
  pause,
• 1:35
  though,
• 1:35
  the
• 1:36
  idea
• 1:36
  of
• 1:36
  going
• 1:36
  into
• 1:37
  business
• 1:37
  with
• 1:38
  a
• 1:38
  friend.
• 1:39
  Now
• 1:39
  there's
• 1:40
  another
• 1:40
  financial
• 1:40
  decision
• 1:41
  that
• 1:41
  people
• 1:41
  will
• 1:42
  often
• 1:42
  warn
• 1:43
  you
• 1:43
  to
• 1:44
  avoid.
• 1:44
  So
• 1:45
  does
• 1:45
  it
• 1:45
  work?
• 1:45
  Having
• 1:46
  worked
• 1:46
  with
• 1:46
  someone
• 1:47
  before,
• 1:47
  you
• 1:47
  go
• 1:47
  into
• 1:47
  business
• 1:48
  with
• 1:48
  them,
• 1:48
  and
• 1:48
  a
• 1:49
  really
• 1:49
  good
• 1:49
  starting
• 1:49
  point,
• 1:49
  like,
• 1:50
  because
• 1:50
  it's
• 1:50
  always
• 1:50
  going
• 1:50
  to
• 1:51
  be
• 1:51
  difficult
• 1:51
  being
• 1:51
  in
• 1:52
  business
• 1:52
  with
• 1:52
  someone
• 1:52
  like.
• 1:53
  And
• 1:53
  I
• 1:53
  think
• 1:53
  for
• 1:54
  anyone
• 1:54
  that
• 1:54
  doesn't
• 1:54
  know
• 1:55
  that
• 1:55
  it's
• 1:55
  because
• 1:55
  you've
• 1:55
  never
• 1:56
  experienced
• 1:56
  it.
• 1:56
  Well,
• 1:57
  welcome
• 1:57
  to
• 1:57
  Making
• 1:58
  Sense.
• 1:58
  It's
• 1:58
  the
• 1:58
  podcast
• 1:59
  for
• 1:59
  people
• 1:59
  who
• 1:59
  want
• 2:00
  financial
• 2:00
  freedom
• 2:00
  without
• 2:01
  giving
• 2:01
  up
• 2:01
  their
• 2:02
  coffee.
• 2:02
  I'm
• 2:03
  Francis
• 2:03
  Cook,
• 2:03
  a
• 2:03
  financial
• 2:04
  journalist
• 2:04
  and
• 2:05
  fellow
• 2:05
  financial
• 2:05
  freedom
• 2:06
  seeker
• 2:06
  who
• 2:06
  makes
• 2:07
  money
• 2:07
  simple
• 2:07
  for
• 2:08
  you.
• 2:08
  Today
• 2:08
  we're
• 2:09
  talking
• 2:09
  about
• 2:09
  how
• 2:09
  Sophie
• 2:10
  moved
• 2:10
  from
• 2:10
  chaotic
• 2:11
  money
• 2:11
  moments
• 2:11
  to
• 2:12
  confident
• 2:12
  investor.
• 2:13
  And
• 2:14
  why
• 2:14
  sometimes
• 2:15
  that
• 2:15
  unconventional
• 2:16
  path
• 2:16
  can
• 2:17
  be
• 2:17
  the
• 2:17
  one
• 2:17
  that's
• 2:17
  just
• 2:18
  perfect
• 2:19
  for
• 2:19
  you.
• 2:19
  This
• 2:20
  episode
• 2:20
  of
• 2:20
  Making
• 2:21
  Sense
• 2:21
  is
• 2:21
  supported
• 2:22
  by
• 2:22
  Odoo,
• 2:23
  the
• 2:23
  affordable
• 2:23
  way
• 2:24
  to
• 2:24
  get
• 2:24
  your
• 2:24
  business
• 2:25
  working
• 2:25
  Smarter.
• 2:26
  Go
• 2:26
  to
• 2:26
  odoo.com
• 2:27
  that's
• 2:28
  od.com
• 2:29
  for
• 2:30
  more.
• 2:30
  Welcome
• 2:31
  to
• 2:31
  the
• 2:31
  podcast,
• 2:31
  Sophie.
• 2:32
  We
• 2:33
  have
• 2:33
  been
• 2:33
  circling
• 2:34
  around
• 2:34
  each
• 2:34
  other
• 2:35
  for
• 2:35
  years
• 2:35
  and
• 2:35
  now
• 2:35
  we
• 2:36
  are
• 2:36
  finally
• 2:36
  doing
• 2:36
  a
• 2:37
  we
• 2:37
  podcast
• 2:37
  hang.
• 2:38
  So
• 2:38
  I
• 2:39
  love
• 2:39
  this.
• 2:40
  You
• 2:40
  are
• 2:40
  someone
• 2:41
  who
• 2:41
  you
• 2:41
  now
• 2:41
  talk
• 2:42
  about
• 2:42
  money
• 2:42
  for
• 2:43
  a
• 2:43
  living,
• 2:43
  and
• 2:43
  you
• 2:43
  talk
• 2:44
  about
• 2:44
  money
• 2:44
  very
• 2:44
  well
• 2:44
  for
• 2:44
  a
• 2:45
  living,
• 2:45
  but
• 2:46
  you
• 2:46
  haven't
• 2:46
  always
• 2:46
  had
• 2:47
  the
• 2:47
  Easiest
• 2:47
  relationship
• 2:48
  with
• 2:48
  it.
• 2:48
  So
• 2:49
  back
• 2:49
  to
• 2:50
  the
• 2:50
  start.
• 2:51
  What
• 2:51
  was
• 2:51
  your
• 2:51
  relationship
• 2:52
  with
• 2:52
  money
• 2:52
  like
• 2:52
  growing
• 2:53
  up?
• 2:53
  God,
• 2:54
  I
• 2:54
  mean,
• 2:54
  how
• 2:54
  long
• 2:55
  do
• 2:55
  we
• 2:55
  have?
• 2:55
  Because
• 2:55
  that
• 2:56
  question
• 2:56
  could
• 2:56
  be
• 2:57
  the
• 2:57
  entire
• 2:57
  podcast.
• 2:59
  I
• 3:00
  had
• 3:00
  a
• 3:00
  really
• 3:00
  interesting
• 3:01
  relationship
• 3:01
  with
• 3:02
  money
• 3:02
  growing
• 3:02
  up.
• 3:02
  It
• 3:03
  was
• 3:03
  never
• 3:03
  really
• 3:04
  spoken
• 3:04
  about.
• 3:05
  You
• 3:05
  know,
• 3:05
  my
• 3:05
  parents
• 3:06
  didn't
• 3:06
  know
• 3:06
  a
• 3:06
  lot
• 3:06
  about
• 3:06
  money
• 3:07
  growing
• 3:07
  up,
• 3:07
  so
• 3:08
  I
• 3:08
  wasn't
• 3:08
  really
• 3:08
  taught
• 3:09
  it.
• 3:10
  And
• 3:11
  I
• 3:11
  think
• 3:11
  that's
• 3:11
  true
• 3:11
  for
• 3:12
  a
• 3:12
  lot
• 3:12
  of
• 3:12
  people.
• 3:12
  My
• 3:13
  parents
• 3:13
  are
• 3:13
  well
• 3:13
  educated.
• 3:14
  It's
• 3:14
  not
• 3:14
  as
• 3:15
  though
• 3:15
  they
• 3:17
  didn't
• 3:17
  teach
• 3:17
  me
• 3:17
  cause
• 3:18
  they
• 3:18
  were
• 3:18
  trying
• 3:18
  to
• 3:18
  gatekeep.
• 3:19
  They
• 3:19
  just
• 3:19
  didn't
• 3:20
  really
• 3:20
  know
• 3:20
  themselves.
• 3:21
  And
• 3:22
  so
• 3:22
  I
• 3:22
  didn't
• 3:22
  learn
• 3:23
  about
• 3:24
  budgeting
• 3:24
  or.
• 3:25
  I
• 3:26
  mean,
• 3:26
  I
• 3:26
  remember
• 3:26
  hearing
• 3:26
  about
• 3:27
  investing
• 3:27
  for
• 3:27
  the
• 3:27
  first
• 3:28
  time
• 3:28
  when
• 3:28
  I
• 3:28
  was
• 3:28
  27
• 3:29
  through
• 3:29
  a
• 3:29
  friend.
• 3:30
  I
• 3:30
  always
• 3:30
  had
• 3:31
  this
• 3:32
  scarcity
• 3:32
  mindset,
• 3:33
  which
• 3:33
  I
• 3:33
  know
• 3:33
  a
• 3:34
  lot
• 3:34
  of
• 3:34
  people
• 3:34
  have,
• 3:36
  and
• 3:36
  it
• 3:36
  showed
• 3:36
  up
• 3:36
  in
• 3:37
  so
• 3:37
  many
• 3:37
  ways.
• 3:38
  You
• 3:38
  know,
• 3:38
  as
• 3:38
  an
• 3:38
  example,
• 3:39
  do
• 3:39
  you
• 3:39
  remember
• 3:39
  Hamish
• 3:40
  Nandy?
• 3:41
  Yeah.
• 3:41
  So
• 3:42
  I
• 3:42
  moved
• 3:42
  over
• 3:42
  to
• 3:43
  Australia.
• 3:43
  Their
• 3:44
  executive
• 3:44
  producer
• 3:45
  like
• 3:45
  plucked
• 3:46
  me
• 3:46
  up
• 3:46
  from
• 3:46
  Media
• 3:47
  Works
• 3:47
  and
• 3:47
  I
• 3:47
  moved
• 3:47
  over
• 3:48
  there
• 3:49
  and
• 3:50
  I
• 3:50
  had
• 3:50
  this
• 3:50
  really
• 3:51
  bizarre
• 3:51
  experience
• 3:52
  where
• 3:53
  the
• 3:53
  package
• 3:54
  they
• 3:54
  gave
• 3:54
  me
• 3:55
  included,
• 3:55
  Super.
• 3:56
  And
• 3:56
  I
• 3:56
  didn't
• 3:56
  know
• 3:56
  what
• 3:57
  that
• 3:57
  meant.
• 3:57
  It
• 3:57
  was,
• 3:57
  it's
• 3:58
  kind
• 3:58
  of
• 3:58
  like
• 3:58
  the
• 3:58
  Kiwi
• 3:58
  saver
• 3:59
  of
• 3:59
  New
• 3:59
  Zealand.
• 4:00
  And
• 4:00
  I
• 4:00
  found
• 4:00
  out
• 4:01
  that
• 4:01
  it
• 4:01
  wasn't
• 4:01
  actually
• 4:01
  money
• 4:02
  coming
• 4:02
  into
• 4:02
  my
• 4:02
  pocket.
• 4:03
  And
• 4:03
  I
• 4:03
  remember
• 4:03
  being
• 4:03
  like,
• 4:04
  hold
• 4:04
  on,
• 4:04
  I
• 4:05
  thought
• 4:05
  my
• 4:05
  package
• 4:05
  was
• 4:06
  80,
• 4:06
  not
• 4:06
  60,
• 4:07
  you
• 4:07
  know,
• 4:08
  and
• 4:08
  so
• 4:08
  like
• 4:08
  those
• 4:08
  things
• 4:09
  happened.
• 4:09
  But
• 4:09
  then
• 4:09
  I
• 4:10
  actually
• 4:10
  moved
• 4:10
  over
• 4:11
  and
• 4:11
  I
• 4:11
  lost
• 4:11
  my
• 4:12
  job
• 4:12
  within
• 4:12
  about
• 4:13
  six
• 4:13
  months.
• 4:13
  The
• 4:14
  person
• 4:14
  who
• 4:14
  hired
• 4:14
  me
• 4:14
  was
• 4:15
  fired.
• 4:16
  And
• 4:16
  then
• 4:17
  I
• 4:17
  didn't
• 4:17
  have
• 4:17
  a
• 4:18
  job
• 4:18
  and
• 4:18
  I
• 4:18
  didn't
• 4:19
  have
• 4:19
  a
• 4:19
  financial
• 4:19
  plan.
• 4:20
  I
• 4:20
  didn't
• 4:20
  have
• 4:21
  any
• 4:21
  emergency
• 4:22
  funds.
• 4:22
  I
• 4:23
  didn't
• 4:23
  have.
• 4:24
  I
• 4:24
  didn't.
• 4:24
  Honestly,
• 4:25
  it
• 4:25
  was
• 4:25
  the
• 4:25
  scariest
• 4:26
  thing
• 4:26
  ever.
• 4:26
  And
• 4:26
  I
• 4:26
  all
• 4:27
  of
• 4:27
  a
• 4:27
  sudden
• 4:27
  had
• 4:28
  no
• 4:28
  work
• 4:28
  prospects,
• 4:29
  no
• 4:29
  money
• 4:30
  coming
• 4:30
  in
• 4:30
  and
• 4:31
  no
• 4:31
  idea
• 4:32
  what
• 4:32
  to
• 4:33
  do
• 4:33
  financially.
• 4:34
  Do
• 4:34
  you
• 4:34
  remember
• 4:34
  sort
• 4:35
  of
• 4:35
  those
• 4:35
  times,
• 4:35
  sort
• 4:36
  of
• 4:36
  like
• 4:37
  how
• 4:37
  money
• 4:37
  made
• 4:37
  you
• 4:38
  feel
• 4:38
  and
• 4:38
  that
• 4:38
  sort
• 4:39
  of
• 4:39
  realization
• 4:39
  of
• 4:39
  like,
• 4:40
  oh,
• 4:40
  like
• 4:40
  I
• 4:41
  need
• 4:41
  to
• 4:41
  do
• 4:41
  something
• 4:41
  differently
• 4:41
  and
• 4:42
  I
• 4:42
  don't
• 4:42
  know
• 4:42
  what.
• 4:43
  Money
• 4:43
  always
• 4:43
  had
• 4:44
  so
• 4:44
  much
• 4:44
  power
• 4:45
  over
• 4:45
  me.
• 4:45
  And
• 4:45
  if
• 4:45
  I'm
• 4:46
  being
• 4:46
  really
• 4:47
  transparent,
• 4:47
  I
• 4:47
  don't
• 4:47
  think
• 4:48
  that's
• 4:48
  changed
• 4:48
  a
• 4:49
  lot.
• 4:49
  I
• 4:49
  think
• 4:49
  that
• 4:49
  I've
• 4:50
  improved
• 4:51
  hugely
• 4:52
  and
• 4:52
  I
• 4:52
  have
• 4:52
  way
• 4:53
  better
• 4:53
  systems
• 4:53
  in
• 4:54
  place.
• 4:54
  I
• 4:54
  feel
• 4:55
  confident
• 4:55
  that
• 4:55
  I
• 4:56
  know
• 4:56
  how
• 4:56
  to
• 4:57
  get
• 4:57
  myself
• 4:57
  out
• 4:57
  of
• 4:58
  a
• 4:58
  situation,
• 4:58
  how
• 4:59
  to
• 4:59
  grow
• 4:59
  wealth.
• 5:00
  But
• 5:00
  I
• 5:01
  think
• 5:01
  that
• 5:01
  when
• 5:02
  I
• 5:02
  used
• 5:02
  to
• 5:02
  spend
• 5:03
  money,
• 5:04
  it
• 5:05
  was
• 5:05
  this
• 5:05
  sort
• 5:05
  of
• 5:05
  endless
• 5:06
  pot.
• 5:06
  There
• 5:06
  was
• 5:07
  this
• 5:07
  low
• 5:07
  level
• 5:07
  anxiety
• 5:08
  all
• 5:09
  the
• 5:09
  time.
• 5:09
  All
• 5:10
  the
• 5:10
  time.
• 5:10
  It's
• 5:10
  actually
• 5:11
  funny,
• 5:11
  I
• 5:11
  still
• 5:11
  got
• 5:12
  this
• 5:12
  dress.
• 5:12
  I
• 5:12
  went
• 5:12
  into
• 5:13
  Ruby,
• 5:13
  which
• 5:13
  is
• 5:13
  in
• 5:14
  New
• 5:14
  Zealand.
• 5:14
  I
• 5:14
  don't
• 5:14
  know
• 5:14
  how
• 5:15
  much
• 5:15
  of
• 5:15
  your
• 5:16
  audience
• 5:16
  is
• 5:16
  New
• 5:16
  Zealand
• 5:16
  based,
• 5:17
  but
• 5:17
  this
• 5:17
  brand
• 5:18
  in
• 5:18
  New
• 5:18
  Zealand.
• 5:18
  And
• 5:18
  I
• 5:18
  tried
• 5:19
  this
• 5:19
  dress
• 5:19
  on,
• 5:20
  and
• 5:20
  it
• 5:20
  was
• 5:20
  bright
• 5:20
  Barbie
• 5:21
  pink.
• 5:21
  And
• 5:21
  I
• 5:22
  just
• 5:22
  thought,
• 5:22
  I
• 5:22
  love
• 5:22
  it.
• 5:23
  I
• 5:23
  feel
• 5:23
  so
• 5:23
  good.
• 5:23
  God,
• 5:24
  it
• 5:24
  looks
• 5:24
  so
• 5:24
  good.
• 5:24
  I
• 5:24
  can
• 5:24
  see
• 5:24
  you
• 5:24
  rocking
• 5:25
  that.
• 5:25
  You
• 5:25
  know,
• 5:26
  since
• 5:26
  then,
• 5:26
  I
• 5:26
  have
• 5:26
  had
• 5:27
  my
• 5:27
  colors
• 5:27
  done.
• 5:27
  Apparently,
• 5:28
  that
• 5:28
  is
• 5:28
  my
• 5:28
  color.
• 5:28
  So
• 5:29
  before
• 5:29
  I
• 5:30
  knew.
• 5:30
  Anyway,
• 5:30
  point
• 5:31
  is,
• 5:31
  I
• 5:31
  bought
• 5:31
  the
• 5:31
  dress,
• 5:31
  I
• 5:31
  got
• 5:32
  home,
• 5:32
  and
• 5:32
  I
• 5:32
  had
• 5:32
  a
• 5:32
  total
• 5:32
  panic
• 5:33
  attack.
• 5:33
  Not
• 5:33
  a
• 5:33
  literal
• 5:34
  panic
• 5:34
  attack,
• 5:34
  but
• 5:34
  a,
• 5:35
  why
• 5:35
  did
• 5:35
  I
• 5:35
  do
• 5:36
  that?
• 5:36
  That
• 5:36
  was
• 5:36
  really
• 5:36
  irresponsible.
• 5:37
  I
• 5:37
  need
• 5:37
  to
• 5:37
  take
• 5:38
  it
• 5:38
  back.
• 5:38
  And
• 5:39
  that
• 5:40
  was
• 5:40
  kind
• 5:40
  of
• 5:40
  the
• 5:41
  exact
• 5:41
  way
• 5:42
  that
• 5:42
  I
• 5:42
  interacted
• 5:42
  with
• 5:43
  money.
• 5:43
  Always.
• 5:43
  There
• 5:44
  was
• 5:44
  no
• 5:45
  conscious
• 5:45
  decision
• 5:46
  making
• 5:46
  or
• 5:47
  I
• 5:48
  have
• 5:48
  this
• 5:48
  money
• 5:48
  put
• 5:48
  aside
• 5:49
  for
• 5:49
  this,
• 5:49
  and
• 5:49
  I
• 5:49
  can
• 5:50
  spend
• 5:50
  it
• 5:50
  without
• 5:50
  guilt.
• 5:51
  I
• 5:52
  think
• 5:52
  that
• 5:52
  for
• 5:52
  me,
• 5:53
  the
• 5:53
  last
• 5:53
  couple
• 5:54
  of
• 5:54
  years,
• 5:54
  that's
• 5:54
  changed
• 5:55
  only
• 5:55
  since
• 5:56
  I
• 5:56
  started
• 5:56
  splitting
• 5:57
  my
• 5:57
  pay.
• 5:58
  And
• 5:58
  it's
• 5:58
  so
• 5:59
  interesting
• 5:59
  because
• 6:00
  I
• 6:00
  know
• 6:00
  what
• 6:00
  we're
• 6:00
  gonna
• 6:00
  talk
• 6:01
  about
• 6:01
  today,
• 6:01
  which
• 6:01
  is
• 6:02
  more
• 6:02
  about
• 6:02
  investing
• 6:03
  and
• 6:03
  overinvesting.
• 6:04
  But
• 6:04
  I
• 6:05
  had
• 6:05
  to
• 6:06
  really
• 6:07
  f
• 6:07
  up
• 6:08
  many
• 6:08
  times
• 6:10
  before
• 6:10
  I
• 6:11
  started
• 6:11
  to
• 6:12
  put
• 6:12
  better
• 6:12
  practices
• 6:13
  in
• 6:13
  place
• 6:13
  to
• 6:14
  avoid
• 6:14
  that
• 6:15
  constant
• 6:15
  anxiety.
• 6:16
  And
• 6:17
  I
• 6:17
  definitely
• 6:18
  have
• 6:18
  gotten
• 6:19
  to
• 6:19
  a
• 6:19
  much
• 6:19
  better
• 6:19
  place
• 6:19
  at
• 6:20
  that.
• 6:20
  And
• 6:21
  I
• 6:21
  just
• 6:21
  think
• 6:21
  that
• 6:22
  for
• 6:22
  us,
• 6:22
  we
• 6:22
  really
• 6:23
  focused
• 6:23
  in
• 6:23
  the
• 6:23
  beginning
• 6:24
  on
• 6:24
  investing
• 6:25
  and
• 6:25
  stock
• 6:26
  picking
• 6:26
  in
• 6:26
  the
• 6:26
  stock
• 6:27
  market.
• 6:27
  Cause
• 6:27
  that's
• 6:27
  what
• 6:28
  my
• 6:28
  business
• 6:28
  partner
• 6:28
  and
• 6:29
  co
• 6:29
  host
• 6:30
  knew
• 6:30
  so
• 6:30
  well.
• 6:31
  But
• 6:32
  because
• 6:32
  I'd
• 6:32
  missed
• 6:33
  conversations
• 6:34
  about
• 6:34
  money
• 6:34
  and
• 6:35
  budgeting
• 6:36
  and
• 6:36
  splitting
• 6:37
  your
• 6:37
  pay
• 6:37
  and
• 6:38
  saving,
• 6:39
  I
• 6:39
  had
• 6:40
  no
• 6:41
  pre.
• 6:41
  It
• 6:42
  was
• 6:42
  like
• 6:42
  I'd
• 6:42
  missed
• 6:42
  the
• 6:42
  training
• 6:43
  wheels
• 6:43
  and
• 6:43
  I'd
• 6:44
  gone
• 6:44
  straight
• 6:44
  to
• 6:44
  the
• 6:45
  motorbike.
• 6:46
  And
• 6:46
  I
• 6:46
  think
• 6:46
  that
• 6:47
  I.
• 6:48
  I
• 6:48
  had
• 6:48
  to
• 6:48
  learn
• 6:49
  the
• 6:49
  hard
• 6:49
  way
• 6:50
  that
• 6:50
  that
• 6:50
  stuff
• 6:51
  is
• 6:51
  so
• 6:51
  fundamental.
• 6:52
  And
• 6:52
  you
• 6:52
  actually
• 6:53
  can't
• 6:53
  get
• 6:53
  to
• 6:53
  the
• 6:53
  motorbike
• 6:54
  riding
• 6:55
  unless
• 6:55
  you've
• 6:56
  tried
• 6:57
  biking
• 6:57
  with
• 6:57
  your
• 6:57
  training
• 6:58
  wheels.
• 6:58
  Yeah.
• 6:59
  So,
• 6:59
  yeah,
• 7:00
  it's
• 7:00
  really
• 7:00
  been
• 7:00
  in
• 7:00
  the
• 7:01
  last
• 7:01
  couple
• 7:01
  of
• 7:01
  years
• 7:01
  that
• 7:02
  I've
• 7:02
  started
• 7:03
  to
• 7:04
  feel
• 7:05
  more
• 7:05
  confident,
• 7:05
  let's
• 7:06
  just
• 7:06
  say,
• 7:06
  in
• 7:06
  terms
• 7:06
  of
• 7:07
  the
• 7:07
  money
• 7:07
  that
• 7:07
  comes
• 7:07
  in
• 7:07
  and
• 7:08
  how
• 7:08
  I
• 7:08
  distribute
• 7:08
  that.
• 7:09
  Yeah,
• 7:09
  I
• 7:10
  think,
• 7:10
  God,
• 7:10
  that's
• 7:11
  such
• 7:11
  a
• 7:11
  good
• 7:11
  analogy
• 7:11
  as
• 7:12
  well,
• 7:12
  because
• 7:12
  you
• 7:12
  did.
• 7:13
  You
• 7:13
  hit
• 7:13
  a
• 7:13
  point.
• 7:14
  And
• 7:14
  I
• 7:14
  think
• 7:14
  so
• 7:14
  many
• 7:14
  of
• 7:15
  us
• 7:15
  do
• 7:15
  this.
• 7:15
  Investing
• 7:15
  is
• 7:16
  exciting.
• 7:16
  And
• 7:17
  investing
• 7:17
  is
• 7:17
  like,
• 7:17
  oh,
• 7:17
  I
• 7:18
  can
• 7:18
  grow
• 7:18
  wealth.
• 7:18
  I
• 7:19
  can
• 7:19
  maybe
• 7:19
  quit
• 7:19
  work
• 7:19
  one
• 7:20
  day.
• 7:20
  I
• 7:20
  can
• 7:21
  do
• 7:21
  all
• 7:22
  this
• 7:22
  great
• 7:22
  stuff
• 7:22
  with
• 7:23
  my
• 7:23
  money
• 7:23
  through
• 7:23
  investing.
• 7:24
  Investing
• 7:25
  can
• 7:25
  go
• 7:25
  so
• 7:25
  wrong
• 7:26
  if
• 7:26
  you
• 7:26
  don't
• 7:26
  approach
• 7:27
  it
• 7:27
  in
• 7:27
  the
• 7:27
  right
• 7:27
  way.
• 7:28
  So
• 7:28
  you
• 7:28
  unfortunately
• 7:29
  did
• 7:29
  fall
• 7:29
  into
• 7:29
  that
• 7:30
  bad
• 7:30
  trap.
• 7:31
  Tell
• 7:31
  me
• 7:31
  about
• 7:32
  how
• 7:33
  investing
• 7:33
  went
• 7:33
  very
• 7:33
  wrong
• 7:34
  for
• 7:34
  you.
• 7:34
  Well,
• 7:35
  okay,
• 7:36
  let's
• 7:36
  just
• 7:36
  say
• 7:37
  I
• 7:37
  had
• 7:38
  the
• 7:38
  best
• 7:38
  of
• 7:38
  intentions.
• 7:40
  I
• 7:40
  was
• 7:40
  Very
• 7:40
  excited.
• 7:41
  So,
• 7:42
  okay,
• 7:43
  our
• 7:43
  podcast,
• 7:44
  when
• 7:44
  we
• 7:44
  started
• 7:45
  talking
• 7:45
  about
• 7:45
  all
• 7:46
  these
• 7:46
  different
• 7:46
  stocks
• 7:47
  and
• 7:47
  what's
• 7:47
  happening
• 7:47
  in
• 7:47
  the
• 7:47
  stock
• 7:48
  market,
• 7:49
  because
• 7:49
  I
• 7:50
  now
• 7:50
  understood
• 7:50
  the
• 7:51
  fundamentals
• 7:51
  of
• 7:51
  what
• 7:51
  investing
• 7:52
  meant
• 7:53
  and
• 7:53
  the
• 7:53
  idea
• 7:53
  that
• 7:53
  you
• 7:53
  invest
• 7:54
  in
• 7:54
  companies
• 7:54
  that
• 7:55
  you
• 7:55
  want
• 7:55
  to
• 7:56
  see
• 7:56
  grow
• 7:56
  and
• 7:56
  that
• 7:56
  you
• 7:56
  believe
• 7:57
  in
• 7:57
  and
• 7:57
  blah,
• 7:57
  blah,
• 7:57
  blah.
• 7:58
  There
• 7:58
  was
• 7:58
  this
• 7:58
  news
• 7:59
  that
• 7:59
  came
• 7:59
  out
• 7:59
  about
• 7:59
  Netflix
• 8:00
  and
• 8:00
  it
• 8:00
  was
• 8:00
  something
• 8:01
  really
• 8:01
  small
• 8:01
  and,
• 8:02
  you
• 8:02
  know,
• 8:02
  not
• 8:03
  important,
• 8:03
  and
• 8:03
  the
• 8:03
  stock
• 8:04
  price
• 8:04
  had
• 8:04
  dropped.
• 8:05
  We
• 8:05
  speak
• 8:05
  about
• 8:05
  this
• 8:06
  a
• 8:06
  lot
• 8:06
  on
• 8:06
  the
• 8:06
  podcast.
• 8:07
  The
• 8:07
  idea
• 8:07
  that,
• 8:07
  you
• 8:08
  know,
• 8:08
  if
• 8:08
  there's
• 8:08
  a
• 8:09
  sale
• 8:09
  on
• 8:09
  your
• 8:09
  favorite
• 8:10
  clothing
• 8:10
  store,
• 8:10
  everyone's
• 8:11
  rushing
• 8:11
  to
• 8:11
  it,
• 8:11
  but
• 8:12
  if
• 8:12
  a
• 8:12
  stock's
• 8:13
  on
• 8:13
  sale
• 8:13
  or
• 8:14
  the
• 8:14
  share
• 8:14
  price
• 8:14
  is
• 8:15
  undervalued
• 8:16
  it,
• 8:16
  everyone
• 8:16
  freaks
• 8:17
  out.
• 8:17
  No
• 8:17
  one
• 8:17
  buys
• 8:17
  it.
• 8:18
  So
• 8:18
  I
• 8:19
  had
• 8:19
  this
• 8:19
  light
• 8:19
  bulb
• 8:19
  moment
• 8:20
  and
• 8:20
  I
• 8:20
  thought,
• 8:21
  step
• 8:21
  aside,
• 8:21
  everyone.
• 8:22
  This
• 8:22
  is
• 8:22
  my
• 8:22
  investing
• 8:23
  moment.
• 8:23
  Here
• 8:24
  I
• 8:24
  go.
• 8:25
  And
• 8:25
  I
• 8:25
  put
• 8:26
  about
• 8:26
  3,000
• 8:27
  New
• 8:27
  Zealand
• 8:28
  dollars
• 8:28
  into
• 8:28
  Netflix,
• 8:29
  which,
• 8:29
  can
• 8:30
  I
• 8:30
  just
• 8:30
  say,
• 8:30
  if
• 8:30
  I
• 8:31
  had
• 8:31
  more
• 8:31
  money
• 8:32
  than
• 8:32
  that
• 8:33
  and
• 8:33
  also
• 8:33
  had
• 8:33
  the
• 8:34
  rest
• 8:34
  of
• 8:34
  my
• 8:34
  finances
• 8:35
  sorted,
• 8:35
  this
• 8:35
  would
• 8:35
  have
• 8:35
  been
• 8:35
  a
• 8:36
  stunning
• 8:36
  investment
• 8:37
  decision.
• 8:38
  However,
• 8:39
  I
• 8:39
  did
• 8:40
  no
• 8:40
  calculations
• 8:41
  on
• 8:41
  what
• 8:41
  I
• 8:42
  should
• 8:42
  be
• 8:42
  putting
• 8:42
  in.
• 8:42
  I
• 8:43
  had
• 8:43
  no
• 8:43
  money
• 8:44
  set
• 8:44
  aside
• 8:44
  for
• 8:44
  my
• 8:45
  rent,
• 8:45
  for
• 8:45
  my
• 8:46
  groceries,
• 8:46
  for
• 8:47
  insurance,
• 8:47
  for
• 8:47
  all
• 8:48
  the
• 8:48
  things
• 8:48
  I
• 8:48
  need
• 8:48
  to
• 8:48
  pay
• 8:48
  for.
• 8:49
  I
• 8:49
  just
• 8:49
  took
• 8:50
  a
• 8:50
  lump
• 8:50
  sum
• 8:51
  that
• 8:51
  felt
• 8:52
  like
• 8:52
  a
• 8:52
  vague
• 8:52
  amount,
• 8:53
  put
• 8:53
  it
• 8:53
  in,
• 8:53
  and
• 8:54
  thought,
• 8:54
  God,
• 8:55
  I'm
• 8:55
  clever.
• 8:56
  And
• 8:56
  so
• 8:56
  stressed
• 8:57
  on
• 8:57
  your
• 8:57
  behalf.
• 8:57
  Honestly,
• 8:58
  just
• 8:58
  what
• 8:58
  was
• 8:59
  I
• 8:59
  thinking?
• 9:00
  And
• 9:00
  like,
• 9:00
  it's
• 9:01
  so
• 9:01
  funny
• 9:01
  to
• 9:01
  think
• 9:01
  about
• 9:02
  it
• 9:02
  in
• 9:02
  hindsight,
• 9:02
  but
• 9:03
  at
• 9:03
  the
• 9:03
  time,
• 9:04
  Vic
• 9:04
  and
• 9:04
  I
• 9:05
  and
• 9:05
  a
• 9:05
  bunch
• 9:05
  of
• 9:05
  friends
• 9:05
  were
• 9:05
  going
• 9:06
  on
• 9:06
  a
• 9:06
  holiday
• 9:06
  to
• 9:06
  Italy.
• 9:07
  I
• 9:07
  hadn't
• 9:08
  budgeted
• 9:08
  for
• 9:08
  the
• 9:08
  holiday.
• 9:09
  I.
• 9:09
  I
• 9:09
  didn't
• 9:10
  have
• 9:10
  money
• 9:10
  in
• 9:10
  my
• 9:10
  account
• 9:11
  for
• 9:11
  anything.
• 9:12
  And
• 9:12
  I
• 9:12
  checked
• 9:13
  my
• 9:13
  accounts
• 9:13
  and
• 9:13
  I
• 9:13
  had
• 9:13
  this
• 9:14
  meltdown
• 9:14
  the
• 9:15
  day
• 9:15
  we
• 9:15
  were
• 9:15
  leaving
• 9:15
  because
• 9:16
  I
• 9:16
  didn't
• 9:16
  have
• 9:16
  money
• 9:16
  to
• 9:17
  pay
• 9:17
  for
• 9:17
  the
• 9:17
  bus
• 9:17
  ride
• 9:18
  to
• 9:19
  get
• 9:19
  from
• 9:19
  where
• 9:19
  I
• 9:19
  was
• 9:20
  to
• 9:20
  the
• 9:20
  airport
• 9:21
  and
• 9:21
  then
• 9:21
  to
• 9:21
  our
• 9:21
  accommodation,
• 9:22
  let
• 9:22
  alone
• 9:22
  pay
• 9:23
  for
• 9:23
  the
• 9:23
  pasta
• 9:24
  and
• 9:24
  the
• 9:24
  drinks
• 9:25
  and
• 9:25
  all
• 9:25
  of
• 9:25
  the
• 9:25
  activities
• 9:26
  we
• 9:26
  were
• 9:26
  going
• 9:26
  to
• 9:26
  do.
• 9:27
  Which,
• 9:27
  again,
• 9:27
  you
• 9:28
  think
• 9:28
  about
• 9:28
  now
• 9:28
  and
• 9:29
  it
• 9:29
  sounds
• 9:29
  so
• 9:29
  obvious,
• 9:30
  but
• 9:30
  I
• 9:30
  think
• 9:30
  I
• 9:30
  want
• 9:30
  to
• 9:31
  tell
• 9:31
  this
• 9:31
  story
• 9:31
  because
• 9:32
  it
• 9:32
  wasn't
• 9:33
  obvious
• 9:33
  to
• 9:33
  me
• 9:33
  as
• 9:34
  someone
• 9:34
  that
• 9:34
  didn't
• 9:34
  have
• 9:34
  financial
• 9:35
  education,
• 9:35
  that
• 9:36
  was
• 9:36
  not
• 9:36
  obvious.
• 9:37
  And
• 9:37
  so
• 9:38
  it
• 9:38
  seems
• 9:39
  now
• 9:39
  in
• 9:39
  hindsight,
• 9:40
  like,
• 9:40
  how
• 9:40
  did
• 9:41
  you
• 9:41
  do
• 9:41
  that?
• 9:41
  But
• 9:42
  I
• 9:42
  know
• 9:42
  how
• 9:42
  I
• 9:42
  did
• 9:42
  it,
• 9:43
  and
• 9:43
  it's
• 9:43
  because
• 9:43
  I
• 9:43
  missed
• 9:44
  all
• 9:44
  those
• 9:44
  beginner
• 9:45
  steps.
• 9:45
  So
• 9:46
  I
• 9:46
  was
• 9:47
  at
• 9:47
  the
• 9:47
  airport
• 9:47
  with
• 9:48
  Vic
• 9:48
  and
• 9:48
  I
• 9:48
  was
• 9:48
  having
• 9:49
  a
• 9:49
  total
• 9:49
  meltdown.
• 9:50
  First
• 9:50
  he
• 9:50
  had
• 9:50
  to
• 9:50
  borrow
• 9:51
  money
• 9:51
  from
• 9:51
  a
• 9:51
  friend
• 9:51
  to
• 9:51
  pay
• 9:51
  for
• 9:52
  that
• 9:52
  bus
• 9:52
  ride.
• 9:52
  Oh,
• 9:53
  God,
• 9:53
  so
• 9:54
  embarrassing.
• 9:54
  Vic
• 9:55
  was
• 9:55
  like,
• 9:55
  how
• 9:55
  much
• 9:56
  do
• 9:56
  you
• 9:56
  have
• 9:56
  in
• 9:56
  your
• 9:56
  sharesies
• 9:57
  account?
• 9:57
  Like,
• 9:57
  how
• 9:57
  Much
• 9:57
  have
• 9:57
  you
• 9:58
  invested?
• 9:58
  And
• 9:58
  I
• 9:58
  had
• 9:58
  20,000
• 9:59
  in
• 9:59
  there.
• 9:59
  So
• 10:00
  it
• 10:00
  wasn't
• 10:00
  like
• 10:00
  I
• 10:00
  had
• 10:00
  no
• 10:01
  money.
• 10:02
  It
• 10:02
  was
• 10:02
  just
• 10:02
  that
• 10:02
  I
• 10:02
  was
• 10:02
  getting
• 10:03
  so
• 10:03
  excited
• 10:03
  by
• 10:03
  investing
• 10:04
  and
• 10:04
  putting
• 10:05
  lump
• 10:05
  sums
• 10:05
  away
• 10:07
  without
• 10:08
  planning.
• 10:09
  And
• 10:10
  Vic
• 10:10
  had,
• 10:10
  you
• 10:11
  know,
• 10:11
  said
• 10:11
  to
• 10:11
  me,
• 10:12
  for
• 10:12
  years,
• 10:12
  you
• 10:13
  invest
• 10:13
  and
• 10:13
  you
• 10:13
  leave
• 10:14
  it
• 10:14
  for
• 10:14
  at
• 10:14
  least
• 10:14
  five
• 10:15
  years.
• 10:15
  Invest
• 10:15
  and
• 10:16
  think
• 10:16
  of
• 10:16
  it
• 10:16
  as
• 10:16
  your
• 10:16
  retirement
• 10:17
  savings.
• 10:17
  Do
• 10:18
  not
• 10:18
  touch
• 10:18
  this
• 10:19
  money.
• 10:19
  Invest
• 10:19
  in
• 10:19
  things
• 10:20
  that,
• 10:21
  you
• 10:21
  know,
• 10:22
  you
• 10:22
  could
• 10:23
  leave
• 10:23
  for
• 10:24
  15,
• 10:24
  20
• 10:25
  years
• 10:25
  and
• 10:25
  come
• 10:25
  back
• 10:26
  after
• 10:26
  being
• 10:26
  on
• 10:26
  a
• 10:26
  desert
• 10:27
  island
• 10:27
  and
• 10:27
  that
• 10:27
  money
• 10:27
  would
• 10:28
  have
• 10:28
  grown.
• 10:28
  So
• 10:28
  I
• 10:29
  had
• 10:29
  this
• 10:29
  really
• 10:30
  strict
• 10:30
  mentality
• 10:30
  of,
• 10:31
  I
• 10:31
  can't
• 10:31
  touch
• 10:31
  that
• 10:31
  money.
• 10:32
  Yeah.
• 10:33
  So
• 10:33
  in
• 10:33
  my
• 10:33
  head,
• 10:34
  I
• 10:34
  had
• 10:34
  no
• 10:34
  money
• 10:34
  to
• 10:35
  pay
• 10:35
  for
• 10:35
  the
• 10:35
  bus.
• 10:36
  I
• 10:36
  didn't
• 10:36
  even
• 10:36
  think
• 10:37
  about
• 10:37
  the
• 10:37
  idea
• 10:37
  of
• 10:38
  cashing
• 10:39
  out
• 10:39
  or
• 10:39
  selling
• 10:39
  those
• 10:39
  shares.
• 10:40
  What
• 10:41
  happened
• 10:41
  from
• 10:41
  there
• 10:42
  was
• 10:42
  I
• 10:42
  basically
• 10:43
  Vic
• 10:44
  said
• 10:44
  to
• 10:44
  me,
• 10:45
  you
• 10:45
  know,
• 10:45
  you
• 10:45
  can
• 10:45
  take
• 10:46
  money
• 10:46
  out
• 10:46
  of
• 10:46
  your
• 10:46
  sharesies
• 10:47
  account,
• 10:47
  you
• 10:47
  know,
• 10:47
  you
• 10:47
  can
• 10:47
  pull
• 10:48
  money
• 10:48
  out.
• 10:49
  But
• 10:49
  there
• 10:49
  I
• 10:49
  was,
• 10:49
  sat
• 10:50
  on
• 10:50
  this
• 10:50
  holiday
• 10:50
  feeling
• 10:51
  embarrassed,
• 10:52
  feeling
• 10:52
  sorry
• 10:52
  for
• 10:52
  myself,
• 10:53
  feeling
• 10:53
  like
• 10:53
  I
• 10:53
  shouldn't
• 10:54
  be
• 10:54
  there
• 10:54
  actually,
• 10:55
  and
• 10:55
  really
• 10:55
  struggling
• 10:56
  to
• 10:57
  enjoy
• 10:58
  going
• 10:58
  out
• 10:58
  for
• 10:58
  a
• 10:58
  meal
• 10:59
  because
• 10:59
  all
• 10:59
  I
• 10:59
  was
• 10:59
  doing
• 11:00
  was
• 11:00
  thinking,
• 11:01
  how
• 11:01
  much
• 11:01
  is
• 11:01
  the
• 11:01
  split
• 11:02
  bill
• 11:02
  gonna
• 11:02
  be?
• 11:02
  I'm
• 11:03
  not
• 11:03
  drinking.
• 11:03
  Everyone
• 11:04
  else
• 11:04
  is.
• 11:04
  You
• 11:04
  know,
• 11:05
  there
• 11:05
  was
• 11:05
  just
• 11:06
  so
• 11:06
  much
• 11:06
  anxiety
• 11:07
  around
• 11:08
  money
• 11:08
  for
• 11:08
  me.
• 11:08
  And,
• 11:10
  yeah,
• 11:10
  I
• 11:10
  was
• 11:10
  really
• 11:10
  lucky.
• 11:11
  I
• 11:11
  had
• 11:12
  to
• 11:12
  pull
• 11:12
  money
• 11:12
  out.
• 11:12
  And
• 11:13
  that
• 11:14
  3,000
• 11:14
  that
• 11:14
  I
• 11:14
  put
• 11:15
  on
• 11:15
  Netflix
• 11:15
  had
• 11:15
  grown
• 11:16
  to
• 11:16
  6,000.
• 11:16
  So
• 11:17
  I'd
• 11:17
  made
• 11:17
  an
• 11:17
  incredible
• 11:18
  return.
• 11:19
  Nice
• 11:19
  work.
• 11:20
  Which,
• 11:21
  sorry,
• 11:21
  for
• 11:21
  a
• 11:21
  beginner
• 11:22
  investor,
• 11:22
  quite
• 11:23
  impressive.
• 11:24
  But
• 11:24
  I
• 11:24
  was
• 11:24
  so
• 11:25
  lucky
• 11:25
  that
• 11:25
  that
• 11:25
  happened.
• 11:26
  And
• 11:26
  the
• 11:26
  learning
• 11:27
  for
• 11:27
  me
• 11:27
  was
• 11:27
  just,
• 11:28
  I
• 11:28
  needed
• 11:28
  that
• 11:28
  money.
• 11:29
  I
• 11:29
  didn't
• 11:29
  have
• 11:29
  a
• 11:29
  choice
• 11:29
  about
• 11:30
  pulling
• 11:30
  it
• 11:30
  out
• 11:30
  because
• 11:31
  I
• 11:31
  had
• 11:31
  nowhere
• 11:31
  else
• 11:31
  to
• 11:32
  get
• 11:32
  money
• 11:32
  from.
• 11:32
  And
• 11:32
  if
• 11:33
  that
• 11:33
  share
• 11:33
  price
• 11:34
  or
• 11:34
  the
• 11:34
  rest
• 11:34
  of
• 11:34
  my
• 11:35
  investments
• 11:35
  were
• 11:35
  going
• 11:35
  down,
• 11:36
  like
• 11:36
  we
• 11:36
  all
• 11:36
  know
• 11:37
  the
• 11:37
  stock
• 11:37
  market
• 11:37
  does
• 11:38
  all
• 11:38
  the
• 11:38
  time,
• 11:39
  I
• 11:40
  could
• 11:40
  have
• 11:40
  lost
• 11:40
  a
• 11:41
  lot
• 11:41
  of
• 11:41
  money.
• 11:41
  And
• 11:42
  so,
• 11:43
  yeah,
• 11:43
  I'm
• 11:43
  really
• 11:44
  grateful
• 11:44
  that
• 11:44
  that
• 11:45
  learning
• 11:45
  for
• 11:45
  me
• 11:45
  was
• 11:45
  almost
• 11:46
  a
• 11:46
  positive
• 11:46
  one
• 11:47
  where
• 11:47
  I
• 11:47
  could
• 11:47
  see
• 11:48
  how
• 11:48
  bad
• 11:48
  it
• 11:49
  could
• 11:49
  have
• 11:49
  gone,
• 11:49
  but
• 11:49
  I
• 11:49
  didn't
• 11:50
  have
• 11:50
  to
• 11:50
  experience
• 11:50
  an
• 11:51
  enormous
• 11:51
  loss.
• 11:52
  Now,
• 11:52
  when
• 11:53
  you
• 11:53
  look
• 11:53
  at
• 11:53
  that
• 11:54
  and
• 11:54
  you
• 11:54
  have
• 11:54
  the
• 11:54
  beautiful
• 11:55
  benefit
• 11:55
  of
• 11:55
  hindsight,
• 11:58
  how
• 11:58
  would
• 11:59
  you
• 11:59
  have
• 11:59
  done
• 11:59
  things
• 12:00
  differently
• 12:00
  to
• 12:01
  end
• 12:01
  at
• 12:01
  a
• 12:01
  more
• 12:02
  ideal
• 12:02
  and
• 12:02
  much
• 12:03
  less
• 12:03
  stressed
• 12:04
  place?
• 12:04
  Well,
• 12:05
  knowing
• 12:06
  how
• 12:06
  much
• 12:06
  money
• 12:06
  you
• 12:07
  have,
• 12:07
  splitting
• 12:08
  out
• 12:08
  your
• 12:08
  essentials,
• 12:09
  for
• 12:09
  me,
• 12:09
  I
• 12:09
  just
• 12:10
  had
• 12:10
  the
• 12:10
  most
• 12:10
  simple.
• 12:11
  I
• 12:11
  was
• 12:11
  going
• 12:11
  to
• 12:11
  say
• 12:11
  hit
• 12:11
  me
• 12:12
  with
• 12:12
  your
• 12:12
  split.
• 12:12
  For
• 12:12
  me,
• 12:13
  because
• 12:13
  I
• 12:13
  live
• 12:13
  in
• 12:13
  London,
• 12:14
  my
• 12:14
  expenses
• 12:15
  are
• 12:15
  much
• 12:16
  more
• 12:16
  than
• 12:16
  I
• 12:16
  would
• 12:17
  like,
• 12:17
  so
• 12:18
  my
• 12:18
  rent
• 12:18
  is
• 12:19
  70%
• 12:20
  of
• 12:20
  my
• 12:20
  income,
• 12:21
  not
• 12:21
  quite,
• 12:22
  maybe
• 12:22
  65%.
• 12:22
  It's
• 12:23
  a
• 12:23
  lot
• 12:23
  that's
• 12:24
  up
• 12:24
  there.
• 12:24
  It's
• 12:24
  so
• 12:24
  expensive.
• 12:25
  But
• 12:25
  I've
• 12:25
  chosen
• 12:26
  that
• 12:26
  lifestyle
• 12:26
  for
• 12:26
  now
• 12:27
  and
• 12:27
  I
• 12:27
  just
• 12:27
  have
• 12:27
  to
• 12:27
  know
• 12:28
  that
• 12:28
  that's
• 12:28
  important
• 12:29
  to
• 12:29
  me
• 12:29
  and
• 12:29
  that's
• 12:30
  how
• 12:30
  I'm
• 12:30
  spending
• 12:30
  my
• 12:30
  money.
• 12:31
  So
• 12:31
  I
• 12:32
  don't
• 12:32
  have
• 12:32
  a
• 12:32
  lot
• 12:32
  of
• 12:32
  money
• 12:33
  for
• 12:33
  fun
• 12:33
  things,
• 12:34
  for
• 12:34
  travel,
• 12:35
  for
• 12:35
  going
• 12:36
  out
• 12:36
  for
• 12:36
  dinners.
• 12:36
  I
• 12:37
  also
• 12:37
  don't
• 12:37
  pay
• 12:37
  myself
• 12:37
  very
• 12:38
  much,
• 12:38
  so
• 12:39
  I
• 12:39
  just
• 12:40
  know
• 12:40
  that
• 12:40
  there's
• 12:40
  things
• 12:40
  I
• 12:40
  have
• 12:41
  to
• 12:41
  cut
• 12:41
  back
• 12:41
  on.
• 12:41
  And
• 12:42
  that's
• 12:42
  just
• 12:42
  the
• 12:42
  reality
• 12:42
  of
• 12:43
  what
• 12:43
  I've,
• 12:44
  you
• 12:44
  know,
• 12:44
  the
• 12:44
  cards
• 12:44
  I've
• 12:44
  dealt
• 12:45
  myself
• 12:45
  for
• 12:45
  now.
• 12:47
  So
• 12:47
  I
• 12:47
  have
• 12:47
  my
• 12:48
  money
• 12:48
  set
• 12:48
  aside
• 12:48
  for
• 12:48
  my
• 12:49
  needs.
• 12:49
  So
• 12:49
  my
• 12:49
  rent,
• 12:50
  my,
• 12:50
  you
• 12:51
  know,
• 12:51
  my
• 12:51
  bills,
• 12:52
  things
• 12:52
  that
• 12:53
  I
• 12:53
  need
• 12:53
  to
• 12:53
  pay
• 12:53
  for,
• 12:53
  I
• 12:54
  used
• 12:54
  to
• 12:54
  have
• 12:54
  in
• 12:54
  there
• 12:55
  things
• 12:55
  like
• 12:55
  therapy,
• 12:56
  because
• 12:56
  for
• 12:56
  me,
• 12:57
  mental
• 12:57
  health
• 12:57
  should
• 12:58
  be
• 12:58
  an
• 12:58
  essential.
• 12:58
  I
• 12:59
  definitely
• 12:59
  have
• 12:59
  struggled
• 12:59
  with
• 13:00
  that
• 13:00
  in
• 13:00
  my
• 13:00
  life.
• 13:00
  So
• 13:01
  I
• 13:01
  used
• 13:02
  to
• 13:02
  put
• 13:02
  that
• 13:02
  in
• 13:02
  my
• 13:02
  essentials.
• 13:03
  I
• 13:03
  can't
• 13:03
  afford
• 13:03
  to
• 13:03
  right
• 13:04
  now.
• 13:04
  But
• 13:04
  things
• 13:05
  like
• 13:05
  exercise,
• 13:06
  if
• 13:06
  I
• 13:06
  want
• 13:06
  to
• 13:06
  pay
• 13:06
  for
• 13:06
  that,
• 13:07
  all
• 13:07
  those
• 13:07
  things
• 13:07
  go
• 13:07
  into
• 13:08
  my
• 13:08
  essentials
• 13:08
  bucket.
• 13:09
  And
• 13:10
  that's
• 13:10
  generally
• 13:11
  60
• 13:11
  to
• 13:11
  70%
• 13:12
  of
• 13:12
  my
• 13:12
  income.
• 13:13
  It
• 13:13
  should
• 13:14
  be
• 13:14
  50%,
• 13:14
  and
• 13:15
  I
• 13:15
  know
• 13:15
  that.
• 13:15
  But
• 13:15
  again,
• 13:16
  it's
• 13:16
  just
• 13:16
  where
• 13:16
  I'm
• 13:16
  at
• 13:17
  in
• 13:17
  my
• 13:17
  life.
• 13:17
  It's
• 13:17
  an
• 13:17
  expensive
• 13:18
  place.
• 13:18
  What
• 13:18
  do
• 13:18
  you
• 13:18
  do
• 13:19
  then?
• 13:20
  I've
• 13:20
  got
• 13:20
  probably
• 13:21
  around
• 13:21
  20%
• 13:22
  ish,
• 13:23
  or
• 13:23
  maybe
• 13:23
  less
• 13:24
  than
• 13:24
  that
• 13:24
  on
• 13:24
  my.
• 13:25
  The
• 13:26
  fun
• 13:26
  things,
• 13:27
  but
• 13:27
  that
• 13:27
  fluctuates
• 13:28
  and
• 13:28
  I
• 13:28
  really
• 13:28
  don't
• 13:29
  have
• 13:29
  a
• 13:29
  huge
• 13:29
  amount
• 13:30
  in
• 13:30
  there.
• 13:30
  And
• 13:30
  then
• 13:30
  I
• 13:30
  have
• 13:31
  a
• 13:31
  small
• 13:31
  amount,
• 13:31
  which
• 13:32
  maybe
• 13:32
  is
• 13:32
  like
• 13:32
  5%,
• 13:33
  that
• 13:33
  goes
• 13:33
  towards
• 13:34
  savings
• 13:35
  goals
• 13:35
  and
• 13:36
  investments,
• 13:37
  which
• 13:37
  again,
• 13:38
  I'd
• 13:38
  love
• 13:38
  to
• 13:38
  be
• 13:38
  way
• 13:39
  more.
• 13:39
  I'm
• 13:39
  just
• 13:39
  not
• 13:40
  in
• 13:40
  a
• 13:40
  position
• 13:40
  to
• 13:41
  do
• 13:41
  that
• 13:41
  right
• 13:41
  now.
• 13:42
  But
• 13:42
  what
• 13:42
  it
• 13:42
  means
• 13:43
  is
• 13:43
  the
• 13:43
  amount
• 13:43
  that
• 13:43
  I
• 13:44
  have
• 13:44
  to
• 13:44
  invest
• 13:44
  or
• 13:45
  go
• 13:45
  towards
• 13:45
  things,
• 13:45
  whether
• 13:46
  it's
• 13:46
  I
• 13:47
  want
• 13:47
  to
• 13:47
  save
• 13:47
  for
• 13:47
  a
• 13:47
  holiday
• 13:48
  or
• 13:48
  I
• 13:48
  want
• 13:49
  to
• 13:49
  put
• 13:49
  more
• 13:49
  money
• 13:49
  in
• 13:50
  my
• 13:50
  investments,
• 13:51
  there's
• 13:52
  just
• 13:52
  a
• 13:52
  set
• 13:52
  amount.
• 13:53
  Rather
• 13:53
  than
• 13:54
  deciding
• 13:55
  each
• 13:55
  month
• 13:56
  how
• 13:56
  generous
• 13:56
  am
• 13:57
  I
• 13:57
  feeling,
• 13:57
  because,
• 13:58
  yeah,
• 13:58
  I
• 13:59
  think
• 13:59
  that
• 14:01
  stresses
• 14:01
  me
• 14:01
  out,
• 14:02
  not
• 14:02
  knowing
• 14:03
  and
• 14:04
  potentially
• 14:04
  eating
• 14:04
  into
• 14:05
  savings
• 14:05
  or
• 14:05
  rent
• 14:06
  money.
• 14:07
  Not
• 14:07
  cool.
• 14:07
  Not
• 14:08
  worth
• 14:08
  the
• 14:08
  anxiety.
• 14:09
  100%.
• 14:10
  And
• 14:10
  I
• 14:10
  think
• 14:10
  there's
• 14:11
  seasons
• 14:11
  in
• 14:12
  life.
• 14:12
  I
• 14:12
  was
• 14:12
  literally
• 14:13
  just
• 14:13
  chatting
• 14:13
  to
• 14:14
  my
• 14:14
  business
• 14:14
  coach
• 14:15
  the
• 14:16
  other
• 14:16
  day
• 14:16
  and
• 14:16
  we
• 14:16
  were
• 14:16
  talking
• 14:16
  about
• 14:17
  seasons
• 14:17
  of
• 14:17
  life
• 14:17
  and,
• 14:18
  you
• 14:18
  know,
• 14:18
  which
• 14:18
  opportunities
• 14:19
  work.
• 14:20
  And
• 14:20
  I've
• 14:20
  had
• 14:21
  to
• 14:21
  put
• 14:21
  a
• 14:21
  ban
• 14:22
  on
• 14:22
  myself
• 14:23
  for
• 14:23
  speaking
• 14:23
  events
• 14:24
  this
• 14:24
  year.
• 14:24
  Love
• 14:24
  speaking
• 14:25
  events.
• 14:25
  Really.
• 14:26
  It's
• 14:26
  so
• 14:26
  interesting.
• 14:27
  Yeah,
• 14:27
  but
• 14:28
  it's
• 14:28
  just
• 14:28
  in
• 14:29
  terms
• 14:29
  of
• 14:29
  the
• 14:29
  amount
• 14:29
  of
• 14:29
  time
• 14:30
  it
• 14:30
  takes.
• 14:30
  And
• 14:30
  I've
• 14:31
  got
• 14:31
  two
• 14:31
  very
• 14:31
  young
• 14:31
  kids
• 14:32
  who
• 14:32
  I'm
• 14:32
  obsessed
• 14:33
  with
• 14:33
  and
• 14:33
  want
• 14:33
  to
• 14:33
  be
• 14:33
  around
• 14:34
  all
• 14:34
  the
• 14:34
  time.
• 14:36
  There
• 14:36
  are
• 14:36
  other
• 14:36
  opportunities
• 14:38
  that
• 14:38
  I
• 14:38
  can
• 14:38
  make
• 14:39
  a
• 14:39
  lot
• 14:39
  of
• 14:39
  in
• 14:40
  this
• 14:40
  time
• 14:40
  of
• 14:41
  my
• 14:41
  life
• 14:41
  that
• 14:42
  don't
• 14:42
  pull
• 14:42
  me
• 14:42
  away
• 14:42
  from
• 14:43
  family
• 14:43
  as
• 14:43
  much.
• 14:44
  And
• 14:45
  so
• 14:45
  I'm
• 14:45
  choosing
• 14:45
  to
• 14:45
  prioritize
• 14:46
  those
• 14:47
  because
• 14:47
  it
• 14:47
  makes
• 14:48
  business
• 14:48
  sense
• 14:48
  and
• 14:49
  life
• 14:49
  sense.
• 14:49
  And
• 14:49
  I
• 14:50
  think
• 14:50
  it's
• 14:50
  a
• 14:50
  very
• 14:50
  interesting
• 14:51
  thing
• 14:51
  as
• 14:51
  well
• 14:51
  for
• 14:51
  you.
• 14:52
  You
• 14:52
  know,
• 14:52
  you're
• 14:52
  in
• 14:53
  a
• 14:53
  phase
• 14:53
  of
• 14:53
  life
• 14:53
  where
• 14:54
  you're
• 14:54
  in
• 14:54
  London,
• 14:54
  you're
• 14:55
  getting
• 14:55
  business
• 14:55
  done,
• 14:55
  it's
• 14:56
  exciting.
• 14:57
  You
• 14:57
  can
• 14:57
  footloose
• 14:58
  fancy
• 14:58
  free,
• 14:59
  just
• 14:59
  be
• 14:59
  on
• 14:59
  the
• 14:59
  other
• 15:00
  side
• 15:00
  of
• 15:00
  the
• 15:00
  world.
• 15:00
  And
• 15:01
  how
• 15:01
  amazing.
• 15:02
  That
• 15:02
  comes
• 15:02
  with
• 15:02
  a
• 15:02
  cost
• 15:02
  with
• 15:03
  that.
• 15:03
  But
• 15:03
  it's
• 15:04
  seasons.
• 15:04
  You
• 15:05
  haven't
• 15:05
  totally
• 15:06
  abandoned
• 15:07
  the
• 15:07
  future
• 15:07
  goals,
• 15:08
  you've
• 15:08
  just
• 15:09
  moved
• 15:10
  it
• 15:10
  around
• 15:10
  a
• 15:10
  little.
• 15:10
  How
• 15:11
  do
• 15:11
  you
• 15:11
  handle
• 15:11
  those
• 15:11
  splits?
• 15:11
  Are
• 15:12
  you
• 15:12
  a
• 15:12
  fan
• 15:12
  of
• 15:12
  different
• 15:12
  bank
• 15:12
  accounts?
• 15:13
  I'm
• 15:13
  a
• 15:13
  really
• 15:13
  visual
• 15:14
  person.
• 15:15
  So
• 15:15
  I
• 15:15
  actually
• 15:15
  went
• 15:16
  into
• 15:16
  Canva
• 15:17
  and
• 15:17
  used
• 15:17
  our
• 15:17
  design,
• 15:18
  you
• 15:18
  know,
• 15:18
  our
• 15:18
  work
• 15:19
  design
• 15:19
  account
• 15:19
  and
• 15:20
  I
• 15:20
  created
• 15:21
  visuals.
• 15:21
  So
• 15:22
  I've
• 15:22
  got
• 15:23
  my
• 15:23
  wants,
• 15:24
  my
• 15:24
  needs
• 15:25
  and
• 15:25
  then
• 15:25
  I've.
• 15:25
  And
• 15:26
  in
• 15:26
  fact
• 15:26
  I
• 15:26
  could
• 15:26
  probably
• 15:26
  honestly
• 15:27
  just
• 15:27
  get
• 15:27
  it
• 15:27
  out.
• 15:28
  I've
• 15:28
  got
• 15:28
  my
• 15:28
  essentials
• 15:29
  with
• 15:29
  like
• 15:29
  green
• 15:30
  love
• 15:30
  hearts,
• 15:31
  my
• 15:31
  nice
• 15:32
  to
• 15:32
  have
• 15:32
  with
• 15:32
  pink
• 15:33
  love
• 15:33
  hearts
• 15:33
  and
• 15:33
  then
• 15:33
  my
• 15:34
  rent
• 15:34
  with
• 15:34
  blue.
• 15:35
  I've
• 15:35
  got
• 15:35
  a
• 15:36
  card
• 15:36
  attached
• 15:36
  to
• 15:37
  my
• 15:37
  essentials
• 15:37
  and
• 15:38
  my
• 15:38
  nice
• 15:38
  to
• 15:38
  have.
• 15:38
  So
• 15:38
  I've
• 15:39
  got
• 15:39
  a
• 15:39
  green
• 15:39
  card
• 15:39
  for
• 15:39
  essentials
• 15:40
  and
• 15:40
  I've
• 15:40
  got
• 15:40
  a
• 15:41
  pink
• 15:41
  card
• 15:41
  for
• 15:41
  my
• 15:41
  nice
• 15:42
  to
• 15:42
  haves.
• 15:43
  And
• 15:43
  that's
• 15:43
  just
• 15:43
  because
• 15:44
  I
• 15:44
  need
• 15:45
  to
• 15:45
  have
• 15:45
  some
• 15:46
  kind
• 15:46
  of
• 15:46
  like,
• 15:47
  I
• 15:47
  don't
• 15:47
  know,
• 15:47
  reminder
• 15:48
  and
• 15:48
  color
• 15:48
  stimulus.
• 15:49
  But
• 15:49
  if
• 15:49
  I
• 15:49
  go
• 15:50
  into
• 15:50
  my
• 15:50
  nice
• 15:50
  to
• 15:50
  haves,
• 15:51
  I
• 15:51
  have
• 15:51
  a
• 15:51
  grand
• 15:51
  total
• 15:51
  of
• 15:52
  23
• 15:52
  pounds
• 15:52
  in
• 15:52
  there
• 15:53
  right
• 15:53
  now.
• 15:53
  But
• 15:54
  I've
• 15:54
  got
• 15:54
  a
• 15:54
  purple
• 15:55
  visual
• 15:55
  so
• 15:56
  I
• 15:56
  drink
• 15:56
  cacao
• 15:57
  often
• 15:57
  instead
• 15:58
  of
• 15:58
  coffee.
• 15:58
  So
• 15:58
  I've
• 15:59
  got
• 15:59
  my
• 15:59
  nice
• 15:59
  to
• 15:59
  haves
• 16:00
  which
• 16:00
  tells
• 16:00
  me
• 16:00
  what
• 16:00
  I
• 16:01
  pay
• 16:01
  for
• 16:01
  from
• 16:01
  this
• 16:01
  account.
• 16:02
  So
• 16:02
  cacao,
• 16:03
  coffee,
• 16:03
  gifts,
• 16:04
  travel,
• 16:04
  shopping,
• 16:05
  Uber.
• 16:05
  So
• 16:05
  those
• 16:05
  are
• 16:06
  like
• 16:06
  the
• 16:06
  things
• 16:06
  that
• 16:06
  I
• 16:06
  have.
• 16:07
  And
• 16:07
  then
• 16:07
  when
• 16:07
  I
• 16:07
  go
• 16:08
  into
• 16:08
  my
• 16:08
  essentials,
• 16:09
  I've
• 16:09
  got
• 16:09
  my
• 16:09
  little
• 16:09
  green
• 16:10
  one
• 16:10
  and
• 16:10
  I
• 16:11
  have
• 16:11
  essentials,
• 16:11
  rent
• 16:11
  and
• 16:12
  bills,
• 16:12
  therapy,
• 16:12
  which
• 16:13
  I
• 16:13
  no
• 16:13
  longer
• 16:13
  can
• 16:13
  afford,
• 16:14
  groceries,
• 16:15
  limes,
• 16:15
  getting
• 16:16
  around
• 16:16
  London,
• 16:16
  trains,
• 16:17
  buses,
• 16:17
  class
• 16:17
  pass.
• 16:18
  And
• 16:19
  then
• 16:19
  I
• 16:19
  also
• 16:20
  have
• 16:20
  a
• 16:20
  separate
• 16:21
  savings
• 16:21
  account
• 16:22
  which
• 16:22
  I
• 16:22
  also
• 16:23
  have
• 16:23
  my
• 16:23
  emergency
• 16:24
  fund.
• 16:24
  I
• 16:25
  have
• 16:25
  a
• 16:25
  beauty
• 16:25
  account
• 16:26
  which
• 16:26
  I
• 16:26
  take
• 16:26
  out
• 16:26
  of
• 16:27
  my
• 16:27
  nice
• 16:27
  to
• 16:27
  haves
• 16:28
  because
• 16:28
  it's
• 16:28
  stuff
• 16:29
  that
• 16:29
  I
• 16:29
  pay
• 16:29
  for
• 16:29
  in
• 16:29
  lump
• 16:30
  sums
• 16:30
  like
• 16:31
  getting
• 16:31
  my
• 16:31
  hair
• 16:31
  dyed.
• 16:32
  And
• 16:32
  I
• 16:32
  just
• 16:33
  know
• 16:33
  that
• 16:33
  if
• 16:33
  I
• 16:33
  had
• 16:33
  it
• 16:34
  in
• 16:34
  my
• 16:34
  nice
• 16:34
  tabs
• 16:34
  and
• 16:34
  I
• 16:34
  was
• 16:35
  spending
• 16:35
  it
• 16:35
  on
• 16:35
  coffees
• 16:36
  and
• 16:36
  stuff,
• 16:36
  I
• 16:36
  would
• 16:36
  spend
• 16:37
  it
• 16:37
  and
• 16:37
  then
• 16:37
  it
• 16:37
  would
• 16:37
  be.
• 16:37
  I
• 16:38
  would
• 16:38
  have
• 16:38
  the
• 16:38
  worst
• 16:38
  regrowth
• 16:39
  ever
• 16:39
  and
• 16:39
  couldn't
• 16:40
  afford
• 16:40
  it.
• 16:40
  So
• 16:40
  I
• 16:41
  have
• 16:41
  that
• 16:41
  separate.
• 16:41
  And
• 16:41
  then
• 16:41
  I
• 16:42
  have
• 16:42
  my
• 16:42
  travel
• 16:42
  account
• 16:43
  which
• 16:43
  slowly
• 16:43
  has
• 16:44
  money
• 16:44
  going
• 16:44
  into
• 16:44
  it
• 16:44
  again,
• 16:45
  which
• 16:45
  I've
• 16:45
  pulled
• 16:45
  from
• 16:46
  like
• 16:46
  my
• 16:46
  nice
• 16:47
  to
• 16:47
  have
• 16:47
  kind
• 16:47
  of
• 16:47
  short
• 16:48
  term
• 16:48
  savings
• 16:48
  bucket.
• 16:49
  So
• 16:49
  that's
• 16:49
  automated
• 16:50
  out.
• 16:50
  And
• 16:50
  then
• 16:50
  I
• 16:50
  have
• 16:50
  a
• 16:51
  gifts
• 16:51
  amount
• 16:51
  for
• 16:52
  friends,
• 16:53
  presents
• 16:54
  or
• 16:54
  you
• 16:55
  know,
• 16:55
  things
• 16:55
  like
• 16:55
  that.
• 16:56
  But
• 16:56
  so
• 16:57
  my
• 16:57
  beauty,
• 16:57
  travel,
• 16:58
  clothes,
• 16:59
  gifts,
• 16:59
  that
• 16:59
  kind
• 16:59
  of
• 16:59
  thing
• 17:00
  as
• 17:00
  well
• 17:00
  as
• 17:00
  the
• 17:00
  nice
• 17:01
  to
• 17:01
  haves,
• 17:01
  all
• 17:01
  of
• 17:02
  that
• 17:02
  is
• 17:02
  within
• 17:02
  like
• 17:02
  20%
• 17:03
  of
• 17:03
  my
• 17:03
  pay.
• 17:04
  It's
• 17:04
  just
• 17:04
  that
• 17:04
  I've
• 17:04
  separated
• 17:05
  them,
• 17:05
  some
• 17:05
  of
• 17:05
  them
• 17:06
  into
• 17:06
  separate
• 17:06
  accounts
• 17:06
  so
• 17:07
  I
• 17:07
  can
• 17:07
  keep
• 17:07
  track
• 17:07
  better
• 17:08
  just
• 17:08
  quickly.
• 17:09
  On
• 17:09
  the
• 17:09
  seasons
• 17:09
  thing,
• 17:09
  what
• 17:10
  I
• 17:10
  will
• 17:10
  say
• 17:10
  is
• 17:10
  last
• 17:10
  year
• 17:10
  I
• 17:11
  bought
• 17:11
  two
• 17:11
  properties.
• 17:11
  I
• 17:12
  bought
• 17:12
  two
• 17:12
  investment
• 17:12
  properties
• 17:13
  which
• 17:13
  I
• 17:13
  really
• 17:13
  focused
• 17:14
  on.
• 17:14
  I
• 17:14
  took
• 17:15
  a
• 17:15
  lot
• 17:15
  of
• 17:15
  money
• 17:15
  out
• 17:15
  of
• 17:15
  the
• 17:15
  stock
• 17:16
  market.
• 17:16
  I
• 17:16
  took
• 17:16
  a
• 17:17
  lot
• 17:17
  of
• 17:17
  my.
• 17:18
  What
• 17:18
  I'd
• 17:18
  built
• 17:18
  up
• 17:19
  and
• 17:19
  put
• 17:19
  it
• 17:19
  in
• 17:19
  that.
• 17:19
  So.
• 17:20
  And
• 17:20
  I
• 17:20
  feel
• 17:21
  like
• 17:21
  that
• 17:21
  was
• 17:21
  a
• 17:21
  really
• 17:21
  clever
• 17:22
  decision
• 17:22
  when
• 17:23
  the
• 17:23
  market
• 17:23
  right
• 17:24
  now
• 17:24
  in
• 17:24
  New
• 17:24
  Zealand's
• 17:24
  not
• 17:24
  great
• 17:25
  for
• 17:25
  property.
• 17:25
  So
• 17:26
  I've
• 17:26
  made
• 17:27
  those
• 17:27
  decisions
• 17:27
  and
• 17:28
  I
• 17:28
  have
• 17:28
  those
• 17:28
  assets
• 17:29
  that
• 17:29
  are
• 17:29
  going
• 17:29
  to
• 17:29
  be
• 17:29
  accruing
• 17:30
  in
• 17:30
  value
• 17:30
  over
• 17:30
  a
• 17:31
  long
• 17:31
  period
• 17:31
  of
• 17:31
  time.
• 17:31
  So
• 17:32
  I
• 17:32
  don't
• 17:32
  feel
• 17:33
  like
• 17:33
  I'm
• 17:33
  just
• 17:33
  putting
• 17:34
  my
• 17:34
  financial
• 17:35
  goals
• 17:35
  on
• 17:36
  the
• 17:36
  back
• 17:36
  burner
• 17:36
  totally.
• 17:38
  It's
• 17:38
  just
• 17:38
  that
• 17:39
  I
• 17:39
  don't
• 17:39
  have
• 17:39
  as
• 17:40
  much
• 17:40
  to
• 17:40
  grow
• 17:40
  as
• 17:41
  quickly.
• 17:41
  And
• 17:42
  so
• 17:42
  I
• 17:42
  think
• 17:42
  I
• 17:42
  feel
• 17:42
  okay
• 17:43
  about
• 17:43
  that
• 17:43
  because
• 17:44
  the
• 17:44
  season
• 17:44
  last
• 17:44
  year
• 17:45
  was
• 17:45
  property
• 17:45
  and
• 17:46
  now
• 17:46
  this
• 17:46
  year
• 17:46
  it's
• 17:47
  about
• 17:47
  building
• 17:47
  up
• 17:47
  a
• 17:47
  bit
• 17:47
  more
• 17:48
  into
• 17:48
  the
• 17:48
  stock
• 17:48
  market
• 17:48
  again.
• 17:49
  So
• 17:50
  I
• 17:50
  feel
• 17:50
  okay
• 17:50
  about
• 17:51
  that.
• 17:51
  You
• 17:51
  talk
• 17:51
  about
• 17:51
  yourself
• 17:52
  as
• 17:52
  if
• 17:52
  you're
• 17:52
  not
• 17:52
  very
• 17:52
  good
• 17:52
  with
• 17:53
  money,
• 17:53
  but
• 17:53
  you
• 17:54
  are
• 17:54
  making
• 17:54
  so
• 17:54
  much
• 17:55
  huge
• 17:55
  progress
• 17:55
  and
• 17:56
  you're
• 17:56
  actually
• 17:56
  quite
• 17:56
  focused
• 17:57
  and
• 17:57
  you've
• 17:58
  got
• 17:58
  all
• 17:58
  this,
• 17:58
  you're
• 17:59
  actually
• 17:59
  sneakily
• 17:59
  very
• 18:00
  organized
• 18:00
  and
• 18:01
  to
• 18:01
  have
• 18:01
  two
• 18:01
  investment
• 18:02
  properties
• 18:02
  is
• 18:03
  amazing.
• 18:03
  How
• 18:03
  old
• 18:04
  are
• 18:04
  you
• 18:04
  now?
• 18:04
  34.
• 18:05
  That's
• 18:05
  great.
• 18:06
  Firstly,
• 18:06
  thank
• 18:07
  you.
• 18:07
  That's
• 18:07
  so
• 18:07
  lovely.
• 18:08
  I
• 18:08
  think
• 18:08
  I
• 18:08
  have,
• 18:09
  you
• 18:09
  know,
• 18:09
  and
• 18:09
  sort
• 18:09
  of
• 18:09
  back
• 18:10
  to
• 18:10
  the
• 18:10
  start
• 18:10
  of
• 18:10
  this
• 18:10
  conversation
• 18:11
  in
• 18:11
  my
• 18:12
  head
• 18:12
  because
• 18:12
  I've
• 18:13
  always
• 18:13
  been
• 18:13
  bad
• 18:13
  with
• 18:14
  money
• 18:14
  and
• 18:14
  because
• 18:14
  I
• 18:14
  have
• 18:15
  so
• 18:15
  much
• 18:15
  trauma
• 18:15
  around
• 18:16
  money
• 18:16
  and
• 18:16
  doing
• 18:17
  really
• 18:17
  stupid
• 18:18
  things,
• 18:19
  I.
• 18:19
  I
• 18:19
  still
• 18:20
  consider
• 18:20
  myself
• 18:21
  such
• 18:21
  a
• 18:22
  beginner.
• 18:22
  But
• 18:22
  you're
• 18:22
  right,
• 18:23
  I've
• 18:23
  come
• 18:23
  so
• 18:24
  far
• 18:24
  and
• 18:25
  what
• 18:25
  I'm
• 18:25
  doing
• 18:25
  now,
• 18:25
  if
• 18:26
  I
• 18:26
  told
• 18:26
  myself
• 18:26
  five
• 18:27
  years
• 18:27
  ago,
• 18:27
  I
• 18:27
  would've
• 18:27
  been
• 18:28
  like,
• 18:28
  God,
• 18:29
  I'm
• 18:29
  so
• 18:29
  clever
• 18:29
  and
• 18:30
  smart.
• 18:31
  But
• 18:31
  I
• 18:32
  found
• 18:32
  ways
• 18:33
  to
• 18:33
  build
• 18:33
  wealth
• 18:33
  later
• 18:34
  in
• 18:34
  life
• 18:34
  because
• 18:35
  I
• 18:35
  missed
• 18:35
  out
• 18:35
  on
• 18:36
  this
• 18:36
  really
• 18:36
  early.
• 18:37
  So,
• 18:37
  for
• 18:37
  example,
• 18:37
  the
• 18:38
  properties,
• 18:38
  I
• 18:39
  did
• 18:39
  it
• 18:39
  with
• 18:39
  a
• 18:39
  friend
• 18:39
  and
• 18:40
  we
• 18:40
  bought
• 18:40
  houses
• 18:41
  that
• 18:41
  were
• 18:41
  400,000,
• 18:42
  not
• 18:42
  a
• 18:42
  million,
• 18:42
  because
• 18:43
  that
• 18:43
  was
• 18:44
  within
• 18:44
  our
• 18:44
  budget.
• 18:44
  You
• 18:45
  know,
• 18:45
  I've
• 18:46
  had
• 18:46
  to
• 18:46
  start
• 18:46
  from
• 18:46
  a
• 18:46
  different
• 18:47
  place
• 18:47
  because
• 18:47
  I
• 18:47
  didn't
• 18:48
  split
• 18:49
  my
• 18:49
  money
• 18:49
  early,
• 18:49
  and
• 18:49
  I
• 18:50
  didn't
• 18:50
  invest
• 18:50
  early.
• 18:51
  So
• 18:52
  I
• 18:52
  have
• 18:52
  to
• 18:52
  be
• 18:52
  quite
• 18:52
  accepting
• 18:53
  in
• 18:53
  the
• 18:53
  fact
• 18:53
  that
• 18:54
  I
• 18:54
  am
• 18:54
  behind
• 18:54
  a
• 18:55
  lot
• 18:55
  of
• 18:55
  my
• 18:55
  friends.
• 18:56
  No,
• 18:56
  I
• 18:56
  am.
• 18:57
  You're
• 18:57
  ahead
• 18:57
  of
• 18:57
  so
• 18:58
  many
• 18:58
  other
• 18:58
  people,
• 18:58
  though.
• 18:58
  I
• 18:58
  would
• 18:59
  still
• 18:59
  say
• 18:59
  no,
• 18:59
  I
• 18:59
  am.
• 19:00
  But
• 19:00
  I
• 19:00
  look
• 19:00
  at
• 19:00
  my
• 19:00
  business
• 19:01
  partner
• 19:01
  who
• 19:01
  invested
• 19:02
  from
• 19:02
  the
• 19:02
  age
• 19:02
  of
• 19:02
  15
• 19:03
  or
• 19:03
  no,
• 19:03
  to
• 19:03
  be
• 19:04
  honest,
• 19:04
  she
• 19:04
  was
• 19:04
  7.
• 19:04
  She
• 19:05
  had
• 19:05
  shares
• 19:05
  from
• 19:05
  her
• 19:05
  parents
• 19:06
  when
• 19:06
  she
• 19:06
  was
• 19:06
  young,
• 19:06
  you
• 19:07
  know,
• 19:07
  so.
• 19:08
  And
• 19:08
  she
• 19:08
  has
• 19:08
  two
• 19:09
  very
• 19:09
  valuable
• 19:10
  properties
• 19:10
  and
• 19:10
  she
• 19:11
  has
• 19:11
  a
• 19:11
  lot
• 19:12
  more
• 19:12
  than
• 19:12
  I
• 19:12
  do.
• 19:12
  So
• 19:12
  I
• 19:12
  had
• 19:13
  that
• 19:13
  constant
• 19:13
  comparison
• 19:14
  of.
• 19:15
  And
• 19:15
  she's
• 19:15
  only
• 19:15
  a
• 19:16
  few
• 19:16
  years
• 19:16
  older
• 19:16
  than
• 19:16
  me.
• 19:17
  But
• 19:18
  that
• 19:18
  is
• 19:18
  a
• 19:18
  really
• 19:19
  toxic,
• 19:20
  bad
• 19:20
  place
• 19:21
  to
• 19:21
  be
• 19:21
  because
• 19:22
  all
• 19:23
  of
• 19:23
  us
• 19:23
  are
• 19:23
  starting
• 19:24
  from
• 19:24
  somewhere.
• 19:24
  And
• 19:24
  you've
• 19:25
  got
• 19:25
  to
• 19:25
  be
• 19:25
  really
• 19:25
  proud
• 19:25
  of
• 19:25
  where
• 19:25
  you've
• 19:26
  been
• 19:26
  and
• 19:26
  where
• 19:26
  you're
• 19:26
  going.
• 19:27
  And
• 19:27
  if
• 19:27
  you're
• 19:27
  listening
• 19:27
  to
• 19:28
  this
• 19:28
  thinking,
• 19:28
  I
• 19:29
  cannot
• 19:29
  even
• 19:29
  believe
• 19:29
  that
• 19:30
  she's
• 19:30
  thinking
• 19:30
  she's
• 19:30
  bad
• 19:30
  with
• 19:31
  money.
• 19:31
  I
• 19:31
  don't
• 19:31
  do
• 19:31
  any
• 19:31
  of
• 19:32
  these
• 19:32
  things.
• 19:33
  I
• 19:33
  hope
• 19:33
  that
• 19:33
  it
• 19:34
  is
• 19:34
  reassuring
• 19:35
  to
• 19:35
  know
• 19:35
  that
• 19:35
  I
• 19:36
  genuinely
• 19:37
  have
• 19:37
  done
• 19:37
  the
• 19:37
  most
• 19:38
  outrageous
• 19:38
  things
• 19:38
  with
• 19:39
  money.
• 19:39
  And
• 19:40
  I
• 19:40
  mean,
• 19:40
  I've
• 19:40
  been
• 19:40
  in
• 19:40
  a
• 19:40
  lot
• 19:40
  of
• 19:41
  debt
• 19:41
  before.
• 19:41
  I've
• 19:41
  done
• 19:41
  a
• 19:41
  lot
• 19:42
  of
• 19:42
  really
• 19:42
  stupid
• 19:43
  things,
• 19:44
  but
• 19:44
  you
• 19:44
  can
• 19:44
  totally
• 19:45
  turn
• 19:45
  it
• 19:45
  around.
• 19:45
  And
• 19:46
  I
• 19:46
  think
• 19:47
  having
• 19:47
  visualizations
• 19:48
  for
• 19:48
  me
• 19:48
  and
• 19:49
  small
• 19:49
  goals
• 19:49
  that
• 19:50
  I
• 19:50
  can
• 19:50
  feel
• 19:50
  accumulate
• 19:51
  and
• 19:51
  I
• 19:51
  get
• 19:51
  excited
• 19:52
  by.
• 19:52
  Like
• 19:52
  when
• 19:52
  I
• 19:53
  first
• 19:53
  started
• 19:53
  building
• 19:53
  my
• 19:53
  emergency
• 19:54
  fund,
• 19:55
  every
• 19:55
  time
• 19:55
  my
• 19:55
  pay
• 19:56
  came
• 19:56
  in
• 19:56
  and
• 19:56
  a
• 19:56
  little
• 19:57
  bit
• 19:57
  was
• 19:57
  split
• 19:57
  into
• 19:57
  all
• 19:58
  of
• 19:58
  these
• 19:58
  accounts,
• 19:59
  it
• 19:59
  was
• 19:59
  exciting
• 20:00
  rather
• 20:00
  than
• 20:00
  crawling
• 20:01
  to
• 20:01
  the
• 20:01
  finish
• 20:01
  line
• 20:02
  of
• 20:02
  payday.
• 20:03
  And
• 20:03
  I
• 20:03
  think
• 20:04
  it's
• 20:04
  because
• 20:04
  I
• 20:04
  put
• 20:04
  those
• 20:05
  systems
• 20:05
  in
• 20:05
  place
• 20:06
  that
• 20:07
  meant
• 20:07
  I
• 20:07
  knew
• 20:07
  I
• 20:08
  was
• 20:08
  going
• 20:08
  somewhere
• 20:08
  and
• 20:09
  I
• 20:09
  was
• 20:09
  heading
• 20:09
  in
• 20:09
  the
• 20:09
  right
• 20:09
  direction.
• 20:10
  So
• 20:10
  I
• 20:10
  think
• 20:11
  that,
• 20:12
  yeah,
• 20:12
  it's.
• 20:12
  It's
• 20:13
  so
• 20:13
  possible
• 20:13
  and
• 20:14
  it's
• 20:14
  so
• 20:14
  easy,
• 20:14
  but
• 20:15
  you
• 20:15
  do
• 20:15
  have
• 20:15
  to
• 20:15
  do
• 20:16
  a
• 20:16
  bit
• 20:16
  of
• 20:16
  organization,
• 20:16
  even
• 20:17
  if
• 20:17
  you're
• 20:17
  not
• 20:17
  that
• 20:17
  way
• 20:17
  inclined,
• 20:18
  because
• 20:18
  I'm
• 20:18
  not
• 20:18
  normally.
• 20:19
  Yeah,
• 20:20
  yeah,
• 20:20
  no,
• 20:20
  I
• 20:20
  hear
• 20:21
  you
• 20:21
  on
• 20:21
  that.
• 20:21
  And
• 20:21
  it's.
• 20:21
  It's
• 20:22
  kind
• 20:22
  of
• 20:22
  interesting,
• 20:22
  right,
• 20:23
  because
• 20:23
  there
• 20:23
  is
• 20:23
  a
• 20:23
  lot.
• 20:24
  You
• 20:24
  see
• 20:24
  a
• 20:24
  lot
• 20:24
  of
• 20:24
  conversations
• 20:25
  online.
• 20:25
  And
• 20:25
  I
• 20:26
  actually
• 20:26
  agree
• 20:27
  overall
• 20:27
  with
• 20:27
  this
• 20:28
  conversation
• 20:29
  that
• 20:29
  the
• 20:29
  old
• 20:30
  thing
• 20:30
  of
• 20:30
  if.
• 20:30
  If
• 20:30
  you're
• 20:30
  the
• 20:30
  smartest
• 20:31
  person
• 20:31
  in
• 20:31
  the
• 20:31
  room,
• 20:31
  it's
• 20:31
  time
• 20:32
  to
• 20:32
  change
• 20:32
  rooms.
• 20:32
  Because
• 20:33
  you
• 20:33
  should
• 20:33
  be
• 20:33
  like
• 20:34
  that.
• 20:34
  It's
• 20:34
  good,
• 20:34
  right?
• 20:36
  Because
• 20:36
  you
• 20:37
  should
• 20:37
  always
• 20:37
  be
• 20:37
  around
• 20:37
  people
• 20:38
  who
• 20:38
  make
• 20:38
  you
• 20:38
  want
• 20:38
  to
• 20:39
  level
• 20:39
  up.
• 20:40
  You
• 20:40
  are
• 20:40
  the
• 20:40
  sum
• 20:41
  of
• 20:41
  the
• 20:41
  five
• 20:42
  closest
• 20:42
  people
• 20:42
  to
• 20:43
  you.
• 20:43
  I
• 20:43
  truly
• 20:43
  believe
• 20:44
  that
• 20:44
  as
• 20:44
  well.
• 20:45
  You
• 20:45
  do
• 20:45
  absorb
• 20:46
  a
• 20:46
  lot
• 20:46
  from
• 20:46
  the
• 20:46
  people
• 20:46
  around
• 20:47
  you,
• 20:47
  and
• 20:47
  it
• 20:47
  will
• 20:48
  subconsciously
• 20:49
  set
• 20:49
  a
• 20:49
  lot
• 20:49
  of
• 20:50
  your
• 20:50
  expectations
• 20:51
  for
• 20:51
  yourself,
• 20:52
  what
• 20:52
  you
• 20:52
  can
• 20:52
  achieve
• 20:53
  in
• 20:53
  life,
• 20:53
  what
• 20:53
  is
• 20:54
  possible.
• 20:54
  And
• 20:55
  I
• 20:55
  think
• 20:55
  Your
• 20:55
  idea
• 20:55
  of
• 20:56
  what
• 20:56
  is
• 20:56
  possible
• 20:57
  is
• 20:57
  a
• 20:57
  huge
• 20:57
  part
• 20:58
  of
• 20:58
  what
• 20:58
  you
• 20:59
  will
• 20:59
  then
• 20:59
  even
• 20:59
  try
• 21:00
  for.
• 21:00
  If
• 21:01
  you
• 21:01
  don't
• 21:01
  even
• 21:01
  try
• 21:01
  for
• 21:01
  something
• 21:03
  that
• 21:03
  can
• 21:04
  actually
• 21:04
  be
• 21:04
  the
• 21:04
  biggest
• 21:05
  thing
• 21:05
  that
• 21:05
  will
• 21:05
  hold
• 21:06
  some
• 21:06
  people
• 21:06
  back.
• 21:06
  The
• 21:07
  idea
• 21:07
  of
• 21:07
  that's
• 21:08
  not
• 21:08
  for
• 21:08
  people
• 21:08
  like
• 21:08
  me,
• 21:10
  but
• 21:10
  the
• 21:10
  flip
• 21:11
  side
• 21:11
  of
• 21:11
  that
• 21:11
  that
• 21:11
  you've
• 21:12
  run
• 21:12
  into
• 21:12
  is
• 21:12
  it
• 21:13
  can
• 21:13
  create
• 21:13
  this,
• 21:14
  as
• 21:14
  you
• 21:14
  say,
• 21:14
  quite
• 21:15
  toxic
• 21:16
  comparison.
• 21:17
  So
• 21:17
  when
• 21:18
  you're
• 21:18
  surrounding
• 21:18
  yourself,
• 21:19
  I
• 21:19
  mean,
• 21:19
  you
• 21:19
  work
• 21:19
  with
• 21:20
  Vic
• 21:20
  every
• 21:20
  day,
• 21:21
  you
• 21:21
  are
• 21:22
  co
• 21:22
  founders
• 21:22
  of
• 21:22
  a
• 21:23
  financial
• 21:23
  education
• 21:23
  platform,
• 21:24
  you
• 21:24
  are
• 21:24
  talking
• 21:24
  about
• 21:25
  money
• 21:25
  every
• 21:25
  day,
• 21:25
  you
• 21:26
  are
• 21:26
  surrounding
• 21:26
  yourself
• 21:27
  with
• 21:27
  smart
• 21:27
  people
• 21:27
  who
• 21:28
  are
• 21:28
  also
• 21:28
  similarly
• 21:29
  inclined.
• 21:30
  How
• 21:30
  do
• 21:31
  you
• 21:31
  put
• 21:31
  yourself
• 21:31
  in
• 21:31
  that
• 21:32
  position
• 21:32
  where
• 21:32
  you're
• 21:32
  inspired
• 21:33
  and
• 21:33
  you're
• 21:33
  leveling
• 21:34
  up
• 21:34
  and
• 21:34
  you're
• 21:34
  seeing
• 21:34
  what's
• 21:35
  possible
• 21:36
  without
• 21:36
  falling
• 21:36
  into
• 21:36
  that
• 21:37
  trap
• 21:37
  of
• 21:37
  I
• 21:38
  feel
• 21:38
  like
• 21:38
  an
• 21:38
  idiot
• 21:38
  compared
• 21:39
  to
• 21:39
  these
• 21:39
  people.
• 21:40
  I
• 21:40
  think
• 21:40
  comparison
• 21:41
  has
• 21:41
  always
• 21:42
  been
• 21:42
  something
• 21:43
  that's
• 21:43
  plagued
• 21:43
  me.
• 21:44
  Whether
• 21:44
  it's
• 21:44
  money
• 21:44
  or
• 21:45
  other
• 21:45
  things.
• 21:45
  You
• 21:45
  know,
• 21:46
  I'm
• 21:46
  34
• 21:46
  and
• 21:47
  I'm
• 21:47
  only
• 21:47
  now
• 21:47
  just
• 21:48
  in
• 21:48
  a
• 21:48
  serious
• 21:48
  relationship
• 21:49
  with
• 21:49
  someone
• 21:49
  that
• 21:49
  I
• 21:50
  really
• 21:50
  love.
• 21:51
  But
• 21:51
  I
• 21:51
  was
• 21:51
  single
• 21:52
  for
• 21:52
  a
• 21:52
  long
• 21:52
  time
• 21:52
  and
• 21:52
  all
• 21:52
  my
• 21:53
  friends
• 21:53
  were
• 21:53
  getting
• 21:53
  married
• 21:53
  and
• 21:53
  having
• 21:54
  kids.
• 21:54
  And
• 21:54
  I've
• 21:55
  always
• 21:55
  been
• 21:56
  quite
• 21:56
  different
• 21:56
  from
• 21:57
  the
• 21:57
  people
• 21:57
  around
• 21:57
  me
• 21:58
  and
• 21:58
  from
• 21:58
  people
• 21:58
  I've
• 21:58
  grown
• 21:59
  up
• 21:59
  with.
• 22:00
  While
• 22:00
  I'm
• 22:00
  really
• 22:01
  proud
• 22:01
  of
• 22:01
  all
• 22:01
  of
• 22:02
  the
• 22:02
  decisions
• 22:02
  that
• 22:02
  I've
• 22:02
  made
• 22:03
  and
• 22:03
  all
• 22:03
  of
• 22:03
  the
• 22:03
  things
• 22:04
  that
• 22:04
  I've
• 22:04
  done
• 22:04
  and
• 22:04
  the
• 22:05
  places
• 22:05
  that
• 22:05
  I've
• 22:05
  gone,
• 22:05
  it's
• 22:06
  been.
• 22:06
  Been
• 22:06
  a
• 22:07
  really
• 22:07
  wild,
• 22:08
  different
• 22:08
  ride.
• 22:09
  And
• 22:09
  I
• 22:09
  know
• 22:09
  that
• 22:09
  that's
• 22:09
  suited
• 22:10
  to
• 22:10
  who
• 22:10
  I
• 22:10
  am.
• 22:11
  But
• 22:11
  with
• 22:12
  that
• 22:12
  comes
• 22:12
  the
• 22:13
  comparison
• 22:13
  piece
• 22:14
  so
• 22:14
  often.
• 22:15
  And
• 22:15
  I
• 22:15
  think
• 22:16
  on
• 22:17
  the
• 22:17
  financial
• 22:18
  side
• 22:18
  of
• 22:19
  things,
• 22:19
  you
• 22:20
  know,
• 22:20
  for
• 22:20
  Vic
• 22:21
  to
• 22:21
  go
• 22:21
  full
• 22:21
  time
• 22:21
  in
• 22:22
  the
• 22:22
  curve,
• 22:22
  she
• 22:22
  wanted
• 22:23
  to
• 22:23
  have
• 22:23
  a
• 22:23
  hundred
• 22:23
  thousand
• 22:24
  invested
• 22:24
  in
• 22:24
  the
• 22:25
  stock
• 22:25
  market,
• 22:25
  so
• 22:25
  she
• 22:25
  had
• 22:26
  a
• 22:26
  buffer.
• 22:27
  When
• 22:27
  I
• 22:28
  went
• 22:28
  full
• 22:28
  time
• 22:28
  in
• 22:28
  the
• 22:28
  curve,
• 22:29
  I
• 22:30
  had
• 22:30
  almost
• 22:31
  no
• 22:31
  money
• 22:31
  in
• 22:32
  my
• 22:32
  account.
• 22:33
  I.
• 22:33
  It
• 22:33
  was
• 22:34
  decided
• 22:34
  overnight
• 22:35
  with
• 22:35
  our
• 22:35
  business
• 22:36
  advisor.
• 22:36
  I
• 22:36
  didn't
• 22:36
  have
• 22:37
  time
• 22:37
  to
• 22:37
  have
• 22:37
  a
• 22:37
  financial
• 22:37
  plan.
• 22:38
  I
• 22:38
  didn't
• 22:38
  even
• 22:38
  know
• 22:38
  what
• 22:39
  a
• 22:39
  financial
• 22:39
  plan
• 22:39
  was.
• 22:40
  When
• 22:40
  we're
• 22:41
  both
• 22:41
  coming
• 22:41
  back
• 22:41
  to
• 22:41
  New
• 22:42
  Zealand
• 22:42
  and
• 22:42
  she's
• 22:43
  going
• 22:43
  and
• 22:43
  spending
• 22:43
  time
• 22:44
  at
• 22:44
  her
• 22:44
  beach
• 22:44
  house
• 22:45
  in
• 22:45
  Maringi
• 22:45
  that
• 22:46
  she
• 22:46
  owns
• 22:46
  or,
• 22:46
  you
• 22:47
  know,
• 22:47
  she
• 22:47
  rents
• 22:47
  out
• 22:48
  her
• 22:48
  beautiful
• 22:48
  home
• 22:49
  in,
• 22:49
  in
• 22:49
  Auckland
• 22:50
  and
• 22:50
  gets
• 22:51
  amazing
• 22:51
  income
• 22:51
  from
• 22:52
  that.
• 22:52
  I,
• 22:53
  I'm
• 22:54
  in
• 22:54
  a
• 22:54
  totally
• 22:54
  different
• 22:55
  position
• 22:56
  and
• 22:56
  there's
• 22:57
  been
• 22:57
  times
• 22:57
  where
• 22:57
  I
• 22:57
  do
• 22:57
  feel
• 22:57
  jealous
• 22:58
  of
• 22:58
  that.
• 22:58
  I
• 22:58
  do
• 22:58
  feel,
• 22:59
  I,
• 22:59
  I
• 22:59
  do
• 22:59
  feel
• 22:59
  envious
• 23:00
  and
• 23:00
  wish
• 23:00
  that
• 23:00
  I
• 23:00
  had
• 23:01
  known
• 23:01
  this
• 23:02
  more
• 23:02
  and
• 23:03
  done
• 23:03
  better
• 23:04
  and
• 23:04
  was
• 23:04
  in
• 23:04
  a
• 23:04
  different
• 23:05
  position
• 23:05
  now.
• 23:06
  I
• 23:06
  just
• 23:06
  wish
• 23:06
  that
• 23:07
  I
• 23:07
  had
• 23:07
  known
• 23:07
  this
• 23:08
  sooner.
• 23:08
  What
• 23:09
  I
• 23:09
  come
• 23:09
  back
• 23:09
  to
• 23:09
  is
• 23:10
  looking
• 23:10
  at
• 23:10
  what
• 23:10
  I've
• 23:10
  achieved
• 23:11
  and
• 23:11
  where
• 23:12
  I'm
• 23:12
  going.
• 23:13
  And
• 23:13
  I
• 23:13
  think
• 23:13
  that
• 23:14
  it's
• 23:14
  inspiring
• 23:15
  to
• 23:15
  look
• 23:15
  at
• 23:15
  the
• 23:15
  people
• 23:16
  around
• 23:16
  you
• 23:16
  and
• 23:16
  surround
• 23:16
  yourself
• 23:17
  with
• 23:17
  people
• 23:17
  that
• 23:17
  are
• 23:17
  doing
• 23:18
  well.
• 23:18
  I
• 23:18
  just
• 23:19
  think
• 23:19
  you
• 23:19
  have
• 23:19
  to
• 23:19
  totally
• 23:20
  check
• 23:20
  in
• 23:20
  with
• 23:20
  how
• 23:20
  you
• 23:21
  feel
• 23:21
  around
• 23:21
  the
• 23:21
  people.
• 23:22
  How
• 23:22
  are
• 23:23
  they
• 23:23
  talking
• 23:23
  to
• 23:23
  you
• 23:23
  about
• 23:24
  stuff?
• 23:24
  Are
• 23:24
  you,
• 23:24
  what,
• 23:25
  what,
• 23:25
  what
• 23:25
  do
• 23:25
  you
• 23:26
  feel
• 23:26
  when
• 23:26
  you
• 23:26
  go
• 23:26
  out
• 23:26
  for
• 23:26
  dinner
• 23:26
  with
• 23:27
  people
• 23:27
  who
• 23:27
  can
• 23:27
  afford
• 23:28
  a
• 23:29
  menu
• 23:29
  that's
• 23:29
  five
• 23:29
  times
• 23:30
  more.
• 23:30
  You
• 23:30
  know,
• 23:30
  you
• 23:31
  have
• 23:31
  to
• 23:31
  reevaluate
• 23:31
  the
• 23:32
  way
• 23:32
  perhaps
• 23:32
  you
• 23:33
  spend
• 23:33
  time
• 23:33
  with
• 23:33
  those
• 23:33
  people.
• 23:33
  Maybe
• 23:34
  it's
• 23:34
  you
• 23:34
  go
• 23:34
  for
• 23:34
  walks
• 23:35
  rather
• 23:35
  than
• 23:35
  out
• 23:35
  for
• 23:35
  dinner.
• 23:36
  I
• 23:36
  don't,
• 23:36
  I
• 23:37
  don't
• 23:37
  know
• 23:37
  if
• 23:37
  that's
• 23:37
  a
• 23:37
  very
• 23:38
  helpful
• 23:38
  answer
• 23:38
  because
• 23:39
  I
• 23:39
  haven't,
• 23:39
  I
• 23:39
  haven't
• 23:39
  got
• 23:40
  it
• 23:40
  sorted.
• 23:40
  If
• 23:40
  I'm
• 23:40
  being
• 23:41
  totally
• 23:41
  honest.
• 23:42
  I
• 23:42
  think
• 23:42
  what
• 23:43
  I
• 23:43
  pick
• 23:43
  up
• 23:43
  from
• 23:43
  that
• 23:43
  is
• 23:44
  that
• 23:44
  90%
• 23:44
  of
• 23:44
  it
• 23:44
  is
• 23:44
  just
• 23:45
  being
• 23:45
  aware
• 23:45
  of
• 23:45
  it.
• 23:46
  And
• 23:46
  I've
• 23:46
  noticed
• 23:47
  that
• 23:47
  because
• 23:47
  I'm
• 23:48
  someone
• 23:48
  who's
• 23:48
  very
• 23:49
  ambitious,
• 23:49
  very
• 23:50
  motivated
• 23:51
  and
• 23:51
  like
• 23:52
  a
• 23:52
  lot
• 23:52
  of
• 23:52
  my
• 23:53
  life
• 23:53
  I
• 23:53
  can
• 23:53
  look
• 23:53
  at
• 23:53
  and
• 23:53
  be
• 23:54
  like,
• 23:54
  damn,
• 23:54
  girl.
• 23:55
  Like
• 23:55
  you
• 23:55
  really,
• 23:55
  you
• 23:56
  built
• 23:56
  something
• 23:56
  like
• 23:57
  that's
• 23:57
  really
• 23:57
  cool
• 23:58
  in
• 23:58
  so
• 23:58
  many
• 23:58
  different
• 23:58
  areas.
• 23:59
  And
• 23:59
  then
• 24:00
  there
• 24:00
  is
• 24:01
  always
• 24:01
  someone
• 24:02
  who
• 24:02
  is
• 24:02
  doing
• 24:02
  better
• 24:02
  than
• 24:03
  you
• 24:03
  in
• 24:03
  whatever
• 24:04
  area.
• 24:04
  I've
• 24:05
  got
• 24:05
  a
• 24:05
  really
• 24:05
  good
• 24:06
  friend
• 24:06
  who
• 24:06
  makes
• 24:06
  me
• 24:06
  feel
• 24:07
  totally
• 24:07
  insecure
• 24:07
  as
• 24:07
  a
• 24:08
  mum
• 24:08
  and
• 24:08
  I
• 24:08
  just,
• 24:09
  I
• 24:09
  love
• 24:09
  her
• 24:09
  to
• 24:10
  bits,
• 24:11
  but
• 24:11
  she
• 24:11
  went
• 24:12
  and
• 24:12
  did
• 24:12
  a
• 24:12
  cake
• 24:13
  making
• 24:13
  course
• 24:14
  and
• 24:14
  like
• 24:14
  the
• 24:14
  cakes
• 24:15
  that
• 24:15
  she
• 24:15
  makes
• 24:15
  for
• 24:15
  her
• 24:16
  children's
• 24:16
  birthdays
• 24:17
  look
• 24:17
  professional
• 24:18
  and
• 24:18
  it
• 24:19
  is
• 24:19
  beautiful.
• 24:19
  It
• 24:20
  is
• 24:20
  like
• 24:20
  this,
• 24:20
  this
• 24:20
  crazy
• 24:21
  flavor
• 24:21
  there's.
• 24:22
  She's
• 24:22
  done
• 24:22
  her
• 24:22
  own
• 24:23
  paw
• 24:23
  patrol
• 24:23
  decorations.
• 24:25
  It's
• 24:26
  nuts.
• 24:26
  And
• 24:26
  I
• 24:27
  look
• 24:27
  at
• 24:27
  it
• 24:27
  and
• 24:27
  I'm
• 24:27
  like,
• 24:27
  well,
• 24:28
  I
• 24:28
  really
• 24:28
  regret
• 24:29
  inviting
• 24:29
  you
• 24:29
  to
• 24:29
  a
• 24:30
  birthday
• 24:30
  party
• 24:30
  and
• 24:31
  seeing
• 24:31
  my
• 24:31
  version
• 24:32
  of
• 24:32
  a
• 24:32
  cake.
• 24:32
  But
• 24:33
  she's
• 24:33
  so
• 24:33
  lovely.
• 24:33
  She's
• 24:34
  such
• 24:34
  a
• 24:34
  sweet.
• 24:35
  And
• 24:36
  I'm
• 24:37
  sure
• 24:37
  that
• 24:37
  there
• 24:37
  are
• 24:37
  some
• 24:38
  parts
• 24:38
  of
• 24:38
  my
• 24:38
  life
• 24:38
  that
• 24:38
  she
• 24:39
  would
• 24:39
  look
• 24:39
  at
• 24:39
  and
• 24:39
  feel
• 24:40
  comparison
• 24:40
  as
• 24:40
  well.
• 24:41
  You
• 24:41
  know,
• 24:41
  we're
• 24:41
  on,
• 24:42
  we're
• 24:42
  doing
• 24:42
  different
• 24:42
  things
• 24:43
  and
• 24:44
  I
• 24:44
  have
• 24:44
  found
• 24:44
  that
• 24:44
  being
• 24:45
  just
• 24:45
  aware
• 24:45
  of
• 24:46
  it
• 24:46
  and
• 24:46
  being
• 24:46
  like,
• 24:46
  oh,
• 24:46
  that's
• 24:47
  a
• 24:47
  me
• 24:47
  issue
• 24:48
  has
• 24:48
  been
• 24:49
  very
• 24:49
  helpful
• 24:49
  for
• 24:50
  me
• 24:50
  and
• 24:50
  just
• 24:50
  always
• 24:51
  knowing
• 24:51
  there
• 24:51
  will
• 24:51
  always
• 24:52
  be
• 24:52
  someone.
• 24:53
  And
• 24:54
  if
• 24:54
  I
• 24:54
  want
• 24:54
  to
• 24:54
  go
• 24:54
  on
• 24:54
  a
• 24:54
  cake
• 24:55
  decorating
• 24:55
  course,
• 24:55
  maybe
• 24:55
  I
• 24:56
  should
• 24:56
  go
• 24:56
  with
• 24:56
  her
• 24:56
  because
• 24:56
  she'd
• 24:57
  know
• 24:57
  the
• 24:57
  good
• 24:57
  ones.
• 24:57
  It's
• 24:58
  really
• 24:58
  interesting
• 24:58
  because
• 24:59
  I
• 24:59
  do
• 24:59
  think
• 24:59
  that
• 24:59
  the
• 25:00
  times
• 25:00
  you
• 25:00
  feel
• 25:00
  kind
• 25:00
  of
• 25:00
  jealous
• 25:01
  or
• 25:01
  you
• 25:01
  feel
• 25:01
  inferior,
• 25:03
  it's
• 25:03
  totally
• 25:04
  a
• 25:04
  mirror
• 25:05
  and
• 25:05
  it's
• 25:05
  something
• 25:05
  you
• 25:06
  need
• 25:06
  to
• 25:06
  look
• 25:06
  at
• 25:06
  yourself.
• 25:06
  So,
• 25:07
  for
• 25:07
  example,
• 25:07
  I
• 25:07
  am
• 25:08
  insecure
• 25:08
  about
• 25:08
  money.
• 25:09
  I
• 25:09
  am
• 25:09
  insecure
• 25:09
  about
• 25:10
  where
• 25:10
  I
• 25:10
  am
• 25:11
  financially
• 25:11
  compared
• 25:12
  to
• 25:12
  a
• 25:12
  lot
• 25:12
  of
• 25:12
  my
• 25:12
  friends.
• 25:13
  So
• 25:13
  I
• 25:14
  know
• 25:14
  that
• 25:14
  when
• 25:14
  I
• 25:14
  feel
• 25:15
  those
• 25:15
  things,
• 25:15
  it's
• 25:15
  a
• 25:15
  me
• 25:15
  problem
• 25:16
  or
• 25:17
  I
• 25:17
  look
• 25:17
  at
• 25:17
  people
• 25:17
  around
• 25:18
  me
• 25:18
  and
• 25:19
  I
• 25:19
  don't
• 25:19
  have
• 25:19
  great
• 25:19
  feelings
• 25:20
  about
• 25:20
  it.
• 25:20
  I
• 25:20
  need
• 25:21
  to
• 25:21
  look
• 25:21
  at
• 25:21
  that
• 25:21
  and
• 25:21
  go
• 25:21
  and
• 25:22
  journal
• 25:22
  about
• 25:22
  it
• 25:23
  or
• 25:23
  think
• 25:23
  about
• 25:23
  it.
• 25:24
  Because
• 25:24
  being
• 25:25
  around
• 25:25
  people
• 25:25
  that
• 25:25
  are
• 25:25
  doing
• 25:25
  better
• 25:26
  than
• 25:26
  me,
• 25:26
  I
• 25:26
  E
• 25:27
  Beck,
• 25:27
  who
• 25:28
  has
• 25:28
  an
• 25:28
  incredible
• 25:28
  investing
• 25:29
  portfolio,
• 25:30
  is
• 25:30
  ultimately
• 25:31
  positive
• 25:32
  because
• 25:32
  it's
• 25:32
  taught
• 25:33
  me
• 25:33
  so
• 25:33
  much.
• 25:34
  This
• 25:34
  episode
• 25:34
  of
• 25:34
  Making
• 25:35
  Sense
• 25:35
  is
• 25:35
  supported
• 25:36
  by
• 25:36
  Odoo.
• 25:37
  Be
• 25:37
  honest,
• 25:38
  how
• 25:38
  many
• 25:39
  subscriptions
• 25:39
  are
• 25:39
  you
• 25:39
  paying
• 25:40
  for
• 25:40
  right
• 25:40
  now
• 25:40
  to
• 25:41
  run
• 25:41
  your
• 25:41
  business
• 25:41
  or
• 25:42
  side
• 25:42
  hustle?
• 25:43
  Because
• 25:43
  I
• 25:43
  reckon
• 25:44
  it's
• 25:44
  more
• 25:44
  than
• 25:44
  you'd
• 25:45
  like
• 25:45
  to
• 25:45
  admit
• 25:46
  and
• 25:46
  half
• 25:46
  of
• 25:46
  them
• 25:47
  don't
• 25:47
  even
• 25:47
  work
• 25:48
  together.
• 25:49
  That's
• 25:49
  exactly
• 25:49
  why
• 25:50
  I
• 25:50
  like
• 25:50
  Odoo.
• 25:51
  It's
• 25:51
  one
• 25:52
  platform
• 25:52
  with
• 25:52
  70
• 25:53
  apps.
• 25:54
  Accounting,
• 25:54
  invoicing,
• 25:55
  sales,
• 25:56
  inventory,
• 25:56
  HR,
• 25:57
  your
• 25:57
  website,
• 25:58
  no
• 25:58
  extra
• 25:59
  subscriptions,
• 26:00
  no
• 26:00
  new
• 26:00
  logins.
• 26:01
  It's
• 26:02
  all
• 26:02
  already
• 26:02
  there,
• 26:03
  starting
• 26:04
  from
• 26:04
  $34.40
• 26:05
  Aussie
• 26:05
  dollars
• 26:06
  per
• 26:06
  user
• 26:07
  per
• 26:07
  month.
• 26:07
  And
• 26:08
  the
• 26:08
  first
• 26:08
  app
• 26:08
  is
• 26:09
  free
• 26:09
  for
• 26:09
  life,
• 26:10
  hosting
• 26:10
  and
• 26:10
  support
• 26:11
  included.
• 26:12
  Try
• 26:12
  it
• 26:12
  for
• 26:12
  free
• 26:13
  for
• 26:13
  15
• 26:13
  days.
• 26:14
  No
• 26:15
  card
• 26:15
  details
• 26:15
  needed.
• 26:16
  Go
• 26:16
  to
• 26:16
  odoo.com
• 26:18
  that's
• 26:18
  O
• 26:18
  D
• 26:18
  double
• 26:19
  O
• 26:20
  to
• 26:20
  dig
• 26:21
  further
• 26:21
  into
• 26:21
  your
• 26:21
  insecurities.
• 26:22
  Sorry.
• 26:22
  No,
• 26:23
  it's
• 26:23
  fine.
• 26:24
  Hang
• 26:24
  me
• 26:24
  out
• 26:24
  to
• 26:24
  dry.
• 26:25
  I'm
• 26:25
  fine
• 26:25
  with
• 26:25
  that.
• 26:26
  In
• 26:26
  a
• 26:26
  loving,
• 26:27
  safe
• 26:27
  space.
• 26:29
  But
• 26:29
  you,
• 26:30
  you
• 26:30
  know,
• 26:30
  you
• 26:31
  mentioned
• 26:31
  before
• 26:31
  about
• 26:31
  you're
• 26:31
  someone
• 26:32
  who's
• 26:32
  been
• 26:32
  in
• 26:32
  a
• 26:32
  lot
• 26:32
  of
• 26:32
  debt
• 26:33
  before
• 26:33
  and
• 26:33
  yeah,
• 26:34
  that's
• 26:34
  super
• 26:34
  interesting
• 26:34
  to
• 26:35
  me
• 26:35
  because
• 26:35
  I
• 26:35
  only
• 26:35
  just
• 26:36
  realized
• 26:36
  you
• 26:36
  put
• 26:36
  up
• 26:36
  a
• 26:36
  social
• 26:37
  post
• 26:37
  the
• 26:37
  other
• 26:37
  day
• 26:37
  and
• 26:38
  I
• 26:38
  was
• 26:38
  like,
• 26:38
  wow,
• 26:38
  I
• 26:38
  had
• 26:38
  no
• 26:39
  idea
• 26:39
  about
• 26:39
  this
• 26:39
  one
• 26:41
  $50,000
• 26:42
  post.
• 26:42
  Christchurch
• 26:43
  quakes.
• 26:43
  Have
• 26:44
  I
• 26:44
  got
• 26:44
  the
• 26:44
  details
• 26:44
  right?
• 26:45
  Hit
• 26:45
  me
• 26:45
  with
• 26:45
  the
• 26:45
  proper
• 26:46
  story.
• 26:46
  Jesus.
• 26:49
  Right,
• 26:50
  so
• 26:50
  throughout
• 26:51
  this
• 26:51
  conversation,
• 26:51
  as
• 26:52
  I've
• 26:52
  been
• 26:52
  talking
• 26:52
  about
• 26:52
  being
• 26:53
  a
• 26:53
  disaster
• 26:53
  or
• 26:53
  having
• 26:54
  disasters,
• 26:54
  this
• 26:54
  was
• 26:54
  probably
• 26:55
  the
• 26:55
  worst.
• 26:56
  Well,
• 26:56
  there
• 26:56
  was
• 26:56
  a
• 26:56
  literal
• 26:56
  disaster
• 26:57
  at
• 26:57
  the
• 26:57
  core
• 26:57
  of
• 26:57
  this.
• 26:57
  Yeah,
• 26:58
  it
• 26:58
  was
• 26:58
  a
• 26:58
  literal
• 26:58
  disaster.
• 26:58
  And,
• 26:59
  you
• 26:59
  know,
• 26:59
  the
• 26:59
  earthquake
• 27:00
  and
• 27:00
  what
• 27:00
  happened
• 27:00
  was
• 27:01
  devastating
• 27:01
  for
• 27:01
  me
• 27:02
  and.
• 27:03
  But
• 27:04
  people
• 27:04
  lost
• 27:04
  loved
• 27:05
  ones,
• 27:05
  so
• 27:05
  it's
• 27:05
  so
• 27:05
  easy
• 27:06
  to
• 27:06
  say
• 27:06
  what
• 27:06
  happened
• 27:07
  to
• 27:07
  me
• 27:07
  was
• 27:07
  awful,
• 27:07
  but
• 27:08
  there's
• 27:08
  people
• 27:08
  that
• 27:09
  have
• 27:09
  it
• 27:09
  worse
• 27:09
  always.
• 27:10
  However,
• 27:12
  what
• 27:12
  happened
• 27:13
  to
• 27:13
  me
• 27:13
  was
• 27:13
  essentially
• 27:14
  I
• 27:14
  moved
• 27:14
  into
• 27:14
  a
• 27:15
  flat.
• 27:15
  A
• 27:15
  week
• 27:16
  after
• 27:16
  that,
• 27:18
  the
• 27:18
  earthquake
• 27:19
  happened.
• 27:19
  The
• 27:19
  big
• 27:19
  2011
• 27:20
  one.
• 27:21
  I
• 27:21
  was
• 27:21
  at
• 27:22
  broadcasting
• 27:22
  school
• 27:22
  at
• 27:23
  the
• 27:23
  time.
• 27:23
  I'd
• 27:23
  move
• 27:24
  everything
• 27:24
  I
• 27:24
  own,
• 27:25
  all
• 27:25
  of
• 27:25
  my
• 27:25
  21st
• 27:26
  jewellery,
• 27:27
  all
• 27:27
  of
• 27:27
  my
• 27:27
  clothing,
• 27:28
  all
• 27:28
  the
• 27:28
  things
• 27:28
  I
• 27:28
  bought,
• 27:29
  a
• 27:29
  new
• 27:29
  microwave,
• 27:30
  you
• 27:30
  know,
• 27:31
  all
• 27:31
  of
• 27:31
  my
• 27:31
  items
• 27:32
  that
• 27:32
  I
• 27:33
  owned
• 27:33
  were
• 27:33
  in
• 27:33
  this
• 27:33
  flat
• 27:34
  that
• 27:34
  then
• 27:35
  lost
• 27:35
  two
• 27:35
  of
• 27:36
  its
• 27:36
  four
• 27:36
  walls
• 27:36
  and
• 27:37
  was
• 27:37
  in
• 27:37
  the
• 27:38
  red
• 27:38
  zone.
• 27:38
  So
• 27:38
  I
• 27:38
  was
• 27:38
  condemned
• 27:39
  for
• 27:39
  a
• 27:39
  year.
• 27:39
  So
• 27:40
  I
• 27:40
  couldn't
• 27:40
  get
• 27:40
  access
• 27:40
  to
• 27:40
  anything
• 27:41
  in
• 27:41
  there
• 27:41
  you
• 27:41
  couldn't
• 27:41
  get.
• 27:42
  Even
• 27:42
  the
• 27:42
  sentimental
• 27:42
  stuff.
• 27:43
  No,
• 27:43
  nothing.
• 27:44
  So
• 27:44
  I
• 27:45
  flew
• 27:45
  out
• 27:45
  of
• 27:45
  Christchurch
• 27:46
  wearing
• 27:46
  what
• 27:47
  I
• 27:47
  had
• 27:47
  on
• 27:47
  my
• 27:47
  body
• 27:48
  and
• 27:49
  I
• 27:49
  got
• 27:49
  a
• 27:49
  credit
• 27:50
  card
• 27:50
  to
• 27:50
  buy
• 27:50
  the
• 27:51
  essentials,
• 27:51
  to
• 27:51
  buy
• 27:51
  a
• 27:51
  new
• 27:52
  wardrobe.
• 27:52
  Basically.
• 27:53
  I
• 27:53
  went
• 27:53
  to
• 27:53
  Melbourne
• 27:54
  to
• 27:54
  stay
• 27:54
  with
• 27:54
  a
• 27:54
  friend
• 27:55
  and
• 27:55
  I
• 27:56
  was
• 27:56
  getting
• 27:56
  a
• 27:56
  new
• 27:56
  wardrobe.
• 27:57
  That's
• 27:57
  when
• 27:57
  I
• 27:57
  was
• 27:57
  there
• 27:57
  to
• 27:57
  see
• 27:58
  her
• 27:58
  and
• 27:58
  get
• 27:58
  new
• 27:58
  clothes.
• 27:59
  How
• 27:59
  privileged.
• 28:00
  But
• 28:01
  also
• 28:01
  I
• 28:01
  was
• 28:01
  spending
• 28:02
  money
• 28:02
  that
• 28:02
  wasn't
• 28:02
  mine,
• 28:03
  it
• 28:03
  was
• 28:03
  a
• 28:03
  credit
• 28:04
  card.
• 28:04
  And
• 28:04
  I
• 28:04
  racked
• 28:05
  up
• 28:05
  just
• 28:06
  under
• 28:06
  $20,000.
• 28:07
  And
• 28:08
  what
• 28:08
  happened
• 28:08
  was
• 28:08
  I
• 28:09
  had
• 28:09
  10
• 28:09
  days
• 28:09
  basically
• 28:10
  of
• 28:10
  shopping
• 28:10
  with
• 28:10
  this
• 28:11
  credit
• 28:11
  card.
• 28:12
  Nice
• 28:12
  work.
• 28:13
  And
• 28:13
  I
• 28:13
  started
• 28:13
  with
• 28:13
  the
• 28:13
  essentials.
• 28:14
  I
• 28:14
  started
• 28:14
  with
• 28:14
  jeans,
• 28:15
  I
• 28:15
  started
• 28:15
  with
• 28:15
  tops,
• 28:15
  I
• 28:15
  started
• 28:16
  with
• 28:16
  the
• 28:16
  basics
• 28:16
  and
• 28:16
  then
• 28:17
  it
• 28:17
  just
• 28:17
  spiraled
• 28:18
  and
• 28:18
  I
• 28:18
  was
• 28:18
  buying,
• 28:18
  you
• 28:18
  know,
• 28:18
  the
• 28:19
  leather
• 28:19
  miniskirt
• 28:20
  that
• 28:20
  I
• 28:20
  needed
• 28:20
  for
• 28:21
  essentials
• 28:21
  and
• 28:21
  heels
• 28:22
  and
• 28:22
  stupid
• 28:22
  things.
• 28:23
  And
• 28:23
  yeah,
• 28:24
  it
• 28:24
  was
• 28:25
  quite
• 28:25
  devastating
• 28:26
  financially.
• 28:26
  And
• 28:27
  my
• 28:27
  parents
• 28:27
  were
• 28:28
  absolutely
• 28:30
  gobsmacked.
• 28:31
  Like,
• 28:31
  how
• 28:31
  did
• 28:31
  this
• 28:31
  happen?
• 28:32
  At
• 28:32
  that
• 28:33
  point,
• 28:33
  I
• 28:33
  hadn't
• 28:33
  earned
• 28:33
  my
• 28:34
  own
• 28:34
  money.
• 28:34
  I
• 28:34
  hadn't
• 28:35
  actually
• 28:35
  had
• 28:35
  a
• 28:35
  job
• 28:35
  and
• 28:36
  I
• 28:36
  do
• 28:36
  think
• 28:36
  that
• 28:36
  that
• 28:37
  is
• 28:37
  like
• 28:37
  I
• 28:37
  had
• 28:38
  small
• 28:38
  jobs
• 28:38
  over
• 28:38
  summer,
• 28:39
  like
• 28:39
  housekeeping
• 28:40
  for
• 28:40
  three
• 28:41
  weeks,
• 28:41
  whatever,
• 28:41
  but
• 28:42
  I
• 28:42
  wasn't
• 28:42
  constantly
• 28:43
  thinking,
• 28:43
  oh,
• 28:44
  that's
• 28:45
  seven
• 28:45
  years
• 28:46
  of
• 28:46
  working
• 28:46
  full
• 28:46
  time
• 28:47
  at
• 28:47
  my
• 28:48
  $15
• 28:49
  an
• 28:49
  hour
• 28:49
  rate
• 28:51
  making
• 28:51
  beds.
• 28:52
  Do
• 28:52
  you
• 28:52
  know
• 28:52
  what
• 28:52
  I
• 28:52
  mean?
• 28:52
  So
• 28:53
  I
• 28:53
  think
• 28:53
  that
• 28:54
  that
• 28:54
  had
• 28:54
  a
• 28:54
  huge
• 28:54
  amount
• 28:55
  to
• 28:55
  do
• 28:55
  with
• 28:56
  spending
• 28:57
  without
• 28:57
  concept
• 28:57
  of
• 28:57
  how
• 28:58
  much
• 28:58
  that
• 28:58
  was.
• 28:59
  Yeah,
• 28:59
  yeah,
• 28:59
  that
• 29:00
  makes
• 29:00
  a
• 29:00
  lot
• 29:00
  of
• 29:00
  sense.
• 29:01
  So
• 29:01
  did
• 29:01
  that
• 29:01
  end
• 29:02
  up
• 29:02
  going
• 29:02
  up
• 29:02
  from
• 29:03
  the,
• 29:03
  like,
• 29:03
  interest
• 29:03
  and
• 29:04
  fees
• 29:04
  and
• 29:04
  things,
• 29:05
  or
• 29:05
  did
• 29:05
  you?
• 29:07
  I
• 29:07
  was
• 29:07
  really
• 29:07
  lucky
• 29:08
  with
• 29:08
  that,
• 29:08
  that
• 29:08
  insurance
• 29:09
  came
• 29:09
  through
• 29:10
  for
• 29:10
  a
• 29:10
  portion
• 29:10
  of
• 29:10
  it,
• 29:11
  so
• 29:11
  I
• 29:11
  didn't
• 29:11
  have
• 29:11
  to
• 29:12
  pay
• 29:12
  the
• 29:12
  full
• 29:12
  20,000
• 29:13
  dol.
• 29:14
  In
• 29:14
  my
• 29:14
  defence,
• 29:14
  I
• 29:14
  was
• 29:15
  spending
• 29:15
  thinking
• 29:16
  all
• 29:16
  of
• 29:16
  it
• 29:16
  would
• 29:17
  be
• 29:17
  paid
• 29:17
  back
• 29:17
  by
• 29:17
  insurance
• 29:18
  because
• 29:18
  I
• 29:18
  didn't
• 29:18
  understand
• 29:18
  how
• 29:19
  insurance
• 29:19
  worked.
• 29:19
  I
• 29:19
  didn't,
• 29:20
  you
• 29:20
  know,
• 29:20
  I.
• 29:21
  Again,
• 29:21
  that
• 29:21
  was
• 29:21
  just
• 29:22
  an
• 29:22
  entire
• 29:22
  blind
• 29:22
  spot
• 29:23
  for
• 29:23
  me.
• 29:23
  So
• 29:24
  now
• 29:24
  if
• 29:25
  this
• 29:25
  happened,
• 29:25
  I
• 29:25
  would
• 29:25
  be
• 29:26
  looking
• 29:26
  at
• 29:26
  the
• 29:26
  fine
• 29:26
  print
• 29:27
  of
• 29:27
  my
• 29:27
  insurance
• 29:28
  and
• 29:28
  I
• 29:28
  would
• 29:28
  see,
• 29:29
  am
• 29:29
  I
• 29:29
  covered?
• 29:30
  If
• 29:31
  so,
• 29:31
  how
• 29:31
  much
• 29:31
  for
• 29:33
  how
• 29:33
  long
• 29:33
  is
• 29:33
  it
• 29:33
  going
• 29:33
  to
• 29:33
  take
• 29:34
  them
• 29:34
  to
• 29:34
  pay
• 29:34
  me
• 29:34
  back?
• 29:34
  You
• 29:35
  know,
• 29:35
  like,
• 29:35
  all
• 29:35
  those
• 29:35
  things
• 29:35
  are
• 29:36
  really
• 29:36
  important
• 29:37
  and
• 29:37
  I
• 29:37
  just
• 29:38
  didn't
• 29:38
  think
• 29:38
  about
• 29:38
  them.
• 29:39
  Yeah,
• 29:40
  yeah.
• 29:40
  And
• 29:40
  I
• 29:41
  think
• 29:41
  part
• 29:41
  of
• 29:41
  it
• 29:41
  is
• 29:42
  age,
• 29:42
  like
• 29:42
  you
• 29:43
  say,
• 29:43
  experience
• 29:44
  having
• 29:44
  earned
• 29:45
  money.
• 29:45
  But
• 29:45
  also,
• 29:46
  do
• 29:46
  you
• 29:46
  think
• 29:46
  some
• 29:46
  of
• 29:46
  it
• 29:47
  was,
• 29:47
  you
• 29:47
  know,
• 29:47
  after
• 29:48
  the
• 29:48
  earthquakes?
• 29:49
  But
• 29:49
  just
• 29:49
  being
• 29:50
  there
• 29:50
  at
• 29:50
  all,
• 29:50
  I
• 29:51
  think
• 29:51
  would
• 29:51
  be
• 29:52
  quite
• 29:52
  traumatic.
• 29:53
  And
• 29:53
  having
• 29:53
  all
• 29:53
  your
• 29:54
  stuff
• 29:54
  lost,
• 29:55
  do
• 29:56
  you
• 29:56
  think
• 29:56
  there
• 29:56
  was
• 29:56
  a
• 29:56
  little
• 29:56
  element
• 29:57
  of
• 29:57
  that
• 29:57
  too,
• 29:57
  that
• 29:57
  was
• 29:58
  impacting
• 29:58
  trauma
• 29:58
  response?
• 29:59
  Yeah,
• 29:59
  probably.
• 30:00
  I
• 30:00
  mean,
• 30:00
  I
• 30:01
  Think
• 30:01
  about
• 30:01
  that
• 30:01
  now.
• 30:02
  I
• 30:02
  mean,
• 30:02
  straight
• 30:02
  after
• 30:03
  it
• 30:03
  happened,
• 30:03
  we
• 30:03
  were
• 30:03
  all
• 30:03
  wandering
• 30:04
  the
• 30:04
  streets
• 30:04
  with
• 30:04
  these,
• 30:05
  like,
• 30:05
  blankets
• 30:06
  around
• 30:06
  our
• 30:06
  shoulders,
• 30:07
  looking
• 30:07
  at
• 30:07
  these
• 30:07
  ginormous
• 30:08
  roads
• 30:09
  that
• 30:09
  have
• 30:09
  cracks
• 30:09
  for
• 30:10
  4
• 30:10
  meters.
• 30:10
  You
• 30:11
  know,
• 30:11
  like,
• 30:11
  it
• 30:11
  was,
• 30:11
  it
• 30:12
  was
• 30:12
  like
• 30:12
  apocalyptic.
• 30:13
  It
• 30:13
  looked
• 30:14
  like
• 30:14
  a
• 30:14
  scary
• 30:15
  movie.
• 30:16
  There
• 30:16
  were
• 30:16
  people
• 30:16
  trapped
• 30:16
  in
• 30:17
  buildings.
• 30:17
  It
• 30:17
  was,
• 30:18
  I
• 30:18
  had
• 30:18
  trauma
• 30:18
  around
• 30:18
  my
• 30:19
  phone
• 30:19
  not
• 30:19
  being
• 30:19
  charged
• 30:20
  for
• 30:20
  full,
• 30:21
  you
• 30:21
  know,
• 30:22
  for
• 30:22
  years
• 30:22
  because
• 30:23
  there
• 30:23
  were
• 30:23
  these
• 30:23
  people
• 30:23
  trapped
• 30:24
  in
• 30:24
  buildings
• 30:24
  and
• 30:24
  as
• 30:24
  soon
• 30:24
  as
• 30:25
  their
• 30:25
  phone
• 30:25
  died,
• 30:25
  no
• 30:25
  one
• 30:25
  knew
• 30:26
  where
• 30:26
  they
• 30:26
  were.
• 30:26
  You
• 30:26
  know,
• 30:27
  it
• 30:27
  was
• 30:27
  pretty
• 30:27
  awful.
• 30:28
  So,
• 30:29
  yes,
• 30:29
  I
• 30:29
  would
• 30:29
  say
• 30:29
  there
• 30:29
  probably
• 30:30
  was
• 30:30
  an
• 30:30
  element
• 30:31
  of
• 30:31
  that.
• 30:31
  Yeah,
• 30:32
  I,
• 30:32
  I
• 30:32
  would
• 30:32
  think
• 30:33
  so.
• 30:33
  If
• 30:34
  I'd
• 30:34
  been
• 30:34
  in
• 30:34
  that
• 30:34
  situation,
• 30:35
  I
• 30:35
  don't
• 30:35
  think
• 30:35
  I'd
• 30:35
  be
• 30:35
  making
• 30:35
  very
• 30:36
  smart
• 30:36
  decisions
• 30:36
  afterwards.
• 30:37
  No.
• 30:37
  And
• 30:37
  I
• 30:37
  think
• 30:38
  that's
• 30:38
  another
• 30:38
  thing,
• 30:38
  you
• 30:38
  know,
• 30:39
  when
• 30:39
  you
• 30:39
  start
• 30:39
  to
• 30:39
  look
• 30:39
  at
• 30:40
  how
• 30:40
  you're
• 30:40
  spending
• 30:40
  money
• 30:40
  and
• 30:41
  you
• 30:41
  see
• 30:41
  your
• 30:41
  emotional
• 30:42
  responses.
• 30:42
  So,
• 30:42
  for
• 30:43
  example,
• 30:43
  when
• 30:43
  you
• 30:43
  spend,
• 30:44
  how
• 30:44
  do
• 30:44
  you
• 30:44
  feel?
• 30:45
  And
• 30:45
  this
• 30:45
  is
• 30:45
  something
• 30:45
  you
• 30:46
  spoke
• 30:46
  about
• 30:46
  on
• 30:46
  our
• 30:46
  podcast
• 30:47
  years
• 30:47
  ago,
• 30:47
  and
• 30:48
  it
• 30:48
  was
• 30:48
  so
• 30:48
  helpful
• 30:49
  for
• 30:49
  me.
• 30:50
  Just
• 30:50
  reflecting
• 30:50
  on
• 30:51
  how
• 30:51
  you
• 30:51
  feel
• 30:51
  when
• 30:51
  you
• 30:51
  spend
• 30:52
  money
• 30:52
  and,
• 30:53
  and
• 30:53
  do
• 30:53
  you
• 30:53
  feel
• 30:53
  good
• 30:53
  or
• 30:54
  bad?
• 30:54
  I
• 30:54
  feel
• 30:54
  amazing
• 30:55
  when
• 30:55
  I
• 30:55
  spend
• 30:55
  $100
• 30:56
  on
• 30:56
  a
• 30:56
  nut
• 30:57
  butter
• 30:57
  in
• 30:57
  an
• 30:57
  organic
• 30:57
  shop,
• 30:58
  but
• 30:58
  I
• 30:58
  feel
• 30:59
  terrible
• 30:59
  when
• 30:59
  I
• 31:00
  spend
• 31:00
  it
• 31:00
  on
• 31:00
  a
• 31:00
  pink
• 31:01
  dress
• 31:01
  from
• 31:01
  Ruby,
• 31:01
  you
• 31:01
  know,
• 31:02
  so
• 31:02
  it's,
• 31:03
  it's,
• 31:03
  it's,
• 31:03
  it's
• 31:03
  just
• 31:04
  like
• 31:04
  figuring
• 31:04
  out
• 31:04
  for
• 31:04
  you
• 31:05
  how
• 31:05
  you
• 31:05
  feel
• 31:05
  good
• 31:05
  and
• 31:06
  noticing
• 31:07
  when
• 31:07
  you
• 31:07
  go
• 31:07
  and
• 31:07
  splash
• 31:08
  out.
• 31:08
  Because
• 31:08
  I
• 31:08
  do
• 31:08
  have
• 31:09
  times
• 31:09
  where
• 31:09
  either
• 31:09
  I'll
• 31:10
  go
• 31:10
  and
• 31:10
  put
• 31:11
  my
• 31:11
  head
• 31:11
  in
• 31:11
  a
• 31:11
  bag
• 31:12
  of
• 31:12
  salt
• 31:12
  and
• 31:12
  vinegar
• 31:13
  chips
• 31:13
  because
• 31:13
  I'm
• 31:13
  feeling
• 31:13
  emotionally
• 31:14
  stressed,
• 31:14
  or
• 31:14
  I'll
• 31:15
  go
• 31:15
  and
• 31:15
  spend
• 31:15
  money
• 31:15
  and
• 31:16
  once
• 31:16
  the
• 31:16
  floodgates
• 31:17
  are
• 31:17
  open,
• 31:17
  I
• 31:17
  find
• 31:17
  it
• 31:17
  really
• 31:18
  hard
• 31:18
  to
• 31:18
  stop.
• 31:18
  So
• 31:19
  you
• 31:19
  did
• 31:19
  have
• 31:19
  insurance
• 31:19
  come
• 31:19
  through
• 31:20
  for
• 31:20
  helping
• 31:20
  you
• 31:20
  pay
• 31:20
  off
• 31:20
  some
• 31:21
  of
• 31:21
  that
• 31:21
  debt.
• 31:22
  How
• 31:22
  did
• 31:22
  you
• 31:22
  get
• 31:22
  rid
• 31:23
  of
• 31:23
  the
• 31:23
  rest
• 31:23
  of
• 31:23
  it?
• 31:23
  How
• 31:23
  long
• 31:23
  did
• 31:24
  it
• 31:24
  take
• 31:24
  you?
• 31:24
  What's
• 31:24
  your
• 31:24
  favorite
• 31:25
  debt
• 31:25
  repayment
• 31:26
  strategy?
• 31:27
  Quick
• 31:27
  wins
• 31:28
  for
• 31:28
  me,
• 31:28
  as
• 31:28
  a
• 31:29
  neurodiver
• 31:29
  scowl,
• 31:30
  I
• 31:31
  need
• 31:31
  some
• 31:32
  kind
• 31:32
  of
• 31:32
  sort
• 31:32
  of
• 31:32
  tick
• 31:33
  off.
• 31:33
  So
• 31:34
  doing
• 31:34
  the
• 31:34
  smaller
• 31:35
  first
• 31:35
  and
• 31:35
  then
• 31:36
  moving
• 31:36
  to
• 31:36
  bigger
• 31:36
  ones
• 31:37
  worked
• 31:37
  for
• 31:37
  me
• 31:37
  for
• 31:38
  a
• 31:38
  period
• 31:38
  of
• 31:38
  time.
• 31:38
  Cool.
• 31:39
  So
• 31:39
  you
• 31:39
  target
• 31:39
  those
• 31:40
  smaller
• 31:40
  dats,
• 31:40
  snipe
• 31:41
  them
• 31:41
  out,
• 31:41
  get
• 31:41
  that
• 31:42
  win
• 31:42
  of
• 31:42
  like
• 31:43
  goddess.
• 31:43
  Yeah,
• 31:44
  the
• 31:44
  dopamine
• 31:44
  hit
• 31:44
  of
• 31:44
  crossing
• 31:45
  something
• 31:45
  out
• 31:45
  for
• 31:46
  me
• 31:46
  was
• 31:46
  great,
• 31:47
  but
• 31:47
  the
• 31:48
  more
• 31:48
  educated
• 31:49
  I
• 31:49
  became
• 31:49
  with
• 31:49
  how
• 31:50
  detrimental
• 31:51
  high
• 31:51
  interest
• 31:51
  debt
• 31:52
  was
• 31:52
  and
• 31:53
  how
• 31:53
  much
• 31:53
  that
• 31:54
  was
• 31:54
  massively
• 31:54
  holding
• 31:55
  me
• 31:55
  back,
• 31:55
  I
• 31:55
  swapped
• 31:56
  and
• 31:56
  I
• 31:56
  did
• 31:56
  do
• 31:57
  some
• 31:57
  of
• 31:57
  the.
• 31:57
  Is
• 31:57
  it
• 31:58
  the
• 31:58
  avalanche
• 31:59
  Avalanche
• 31:59
  where
• 32:00
  you.
• 32:00
  Target
• 32:00
  the
• 32:00
  high
• 32:00
  interest
• 32:01
  debts,
• 32:02
  Smack
• 32:02
  all
• 32:02
  your
• 32:02
  extra
• 32:02
  payments
• 32:03
  on
• 32:03
  that.
• 32:03
  Yeah.
• 32:04
  So
• 32:04
  I
• 32:05
  think
• 32:06
  in
• 32:07
  answer
• 32:07
  to
• 32:07
  your
• 32:07
  question,
• 32:08
  I've
• 32:08
  Tried
• 32:08
  many
• 32:08
  different
• 32:09
  things.
• 32:10
  I
• 32:10
  think
• 32:10
  when
• 32:10
  it
• 32:11
  comes
• 32:11
  to
• 32:11
  debt,
• 32:11
  I
• 32:12
  think
• 32:12
  that
• 32:12
  it
• 32:13
  can
• 32:13
  feel
• 32:14
  really
• 32:14
  shameful.
• 32:15
  You
• 32:15
  kind
• 32:16
  of
• 32:16
  just
• 32:16
  have
• 32:16
  to
• 32:16
  accept
• 32:16
  the
• 32:17
  fact
• 32:17
  that
• 32:17
  that's
• 32:17
  where
• 32:17
  you're
• 32:18
  at
• 32:18
  and
• 32:18
  you
• 32:18
  just
• 32:18
  have
• 32:18
  to
• 32:18
  work
• 32:19
  your
• 32:19
  way
• 32:19
  out
• 32:19
  of
• 32:19
  it.
• 32:19
  Because
• 32:20
  life
• 32:20
  is
• 32:20
  long
• 32:20
  and
• 32:21
  if
• 32:21
  you're
• 32:21
  30
• 32:21
  and
• 32:22
  you're
• 32:22
  in
• 32:22
  debt,
• 32:22
  you've
• 32:22
  got
• 32:23
  hopefully
• 32:23
  at
• 32:23
  least
• 32:24
  50,
• 32:24
  if
• 32:24
  not
• 32:24
  more
• 32:25
  years
• 32:25
  of
• 32:25
  living.
• 32:27
  You
• 32:27
  know,
• 32:27
  money
• 32:27
  is
• 32:28
  not
• 32:28
  a
• 32:28
  quick
• 32:28
  one.
• 32:29
  It's
• 32:29
  not
• 32:29
  something
• 32:29
  that
• 32:29
  you
• 32:29
  can
• 32:30
  sort
• 32:30
  out
• 32:30
  overnight.
• 32:30
  It
• 32:31
  does
• 32:31
  take
• 32:31
  time.
• 32:31
  And
• 32:31
  I
• 32:32
  think
• 32:32
  that
• 32:32
  for
• 32:32
  me,
• 32:33
  looking
• 32:33
  back
• 32:33
  the
• 32:33
  last
• 32:33
  five
• 32:34
  years,
• 32:34
  I've
• 32:34
  now
• 32:35
  done
• 32:35
  a
• 32:35
  lot.
• 32:35
  What's
• 32:35
  that
• 32:35
  saying?
• 32:36
  It's
• 32:36
  like
• 32:37
  you
• 32:37
  overestimate
• 32:37
  what
• 32:37
  you
• 32:38
  can
• 32:38
  do
• 32:38
  in
• 32:38
  here,
• 32:38
  but
• 32:38
  you
• 32:38
  underestimate
• 32:39
  what
• 32:39
  you
• 32:39
  can
• 32:39
  do
• 32:39
  in
• 32:39
  five
• 32:40
  years.
• 32:40
  And
• 32:40
  I
• 32:40
  do
• 32:40
  think
• 32:41
  that's
• 32:41
  a
• 32:41
  really
• 32:41
  valuable
• 32:42
  piece
• 32:42
  to
• 32:42
  anyone
• 32:43
  particularly
• 32:43
  that's
• 32:44
  in
• 32:44
  debt.
• 32:44
  Do
• 32:44
  you
• 32:44
  think
• 32:44
  as
• 32:45
  well
• 32:45
  there's
• 32:45
  a
• 32:46
  certain
• 32:46
  confidence
• 32:46
  that
• 32:47
  you
• 32:47
  can
• 32:47
  get
• 32:47
  from,
• 32:48
  okay,
• 32:48
  you've
• 32:49
  had
• 32:49
  these
• 32:51
  steaks
• 32:53
  where
• 32:53
  you've,
• 32:53
  you've
• 32:54
  made
• 32:54
  a
• 32:54
  boo
• 32:54
  boo
• 32:55
  and
• 32:55
  it's
• 32:55
  not
• 32:55
  gone
• 32:56
  well
• 32:56
  and
• 32:56
  you've
• 32:56
  had
• 32:57
  to
• 32:57
  dig
• 32:57
  yourself
• 32:57
  out
• 32:57
  of
• 32:57
  it.
• 32:58
  But
• 32:58
  do
• 32:58
  you
• 32:59
  also
• 32:59
  think
• 32:59
  there's
• 32:59
  a
• 32:59
  flip
• 33:00
  side
• 33:00
  to
• 33:00
  that
• 33:01
  where
• 33:01
  it
• 33:01
  gives
• 33:02
  you
• 33:02
  the
• 33:02
  confidence
• 33:02
  of,
• 33:03
  I've
• 33:03
  gotten
• 33:03
  out
• 33:03
  of
• 33:04
  things
• 33:04
  before,
• 33:04
  I
• 33:04
  can
• 33:04
  do
• 33:05
  it
• 33:05
  again?
• 33:05
  Yeah,
• 33:06
  I
• 33:06
  think
• 33:06
  that.
• 33:07
  And
• 33:07
  I
• 33:07
  went
• 33:07
  to
• 33:07
  a
• 33:08
  talk
• 33:08
  not
• 33:08
  that
• 33:08
  long
• 33:08
  ago
• 33:09
  in
• 33:09
  London.
• 33:09
  There
• 33:09
  was
• 33:10
  this
• 33:10
  woman
• 33:10
  who'd
• 33:10
  done
• 33:11
  all
• 33:11
  this
• 33:11
  research.
• 33:11
  She
• 33:11
  was
• 33:12
  based
• 33:12
  in
• 33:12
  Edinburgh
• 33:12
  University.
• 33:13
  And
• 33:13
  it
• 33:14
  was
• 33:14
  about
• 33:14
  the
• 33:14
  reason
• 33:14
  why
• 33:16
  the
• 33:16
  gender
• 33:16
  pay
• 33:16
  gap,
• 33:17
  the,
• 33:18
  the
• 33:19
  kiwisaver
• 33:20
  or
• 33:20
  retirement
• 33:21
  gap.
• 33:21
  You
• 33:21
  know,
• 33:21
  we
• 33:21
  have
• 33:22
  40%
• 33:22
  less
• 33:22
  than,
• 33:23
  you
• 33:23
  know,
• 33:23
  I
• 33:23
  mean,
• 33:24
  all
• 33:24
  of
• 33:24
  those
• 33:24
  sorts
• 33:24
  of
• 33:24
  things.
• 33:25
  And
• 33:25
  she
• 33:25
  was
• 33:25
  looking
• 33:25
  at
• 33:26
  some
• 33:26
  of
• 33:26
  the
• 33:26
  things
• 33:27
  that
• 33:27
  we
• 33:27
  could
• 33:27
  do.
• 33:27
  And
• 33:28
  one
• 33:28
  of
• 33:29
  the
• 33:29
  biggest
• 33:29
  takeaways
• 33:29
  for
• 33:29
  me
• 33:30
  was
• 33:30
  the
• 33:30
  idea
• 33:30
  that
• 33:30
  a
• 33:30
  lot
• 33:31
  of
• 33:31
  us,
• 33:31
  particularly
• 33:32
  women,
• 33:33
  learn,
• 33:33
  learn,
• 33:33
  learn,
• 33:34
  feel
• 33:34
  like
• 33:34
  we
• 33:34
  need
• 33:34
  to
• 33:34
  do
• 33:35
  absolutely
• 33:35
  everything
• 33:35
  before
• 33:35
  we
• 33:36
  do,
• 33:36
  do,
• 33:36
  do.
• 33:36
  And
• 33:37
  actually
• 33:37
  doing
• 33:38
  is
• 33:38
  the
• 33:38
  best
• 33:38
  place
• 33:39
  to
• 33:39
  build
• 33:39
  confidence.
• 33:40
  So
• 33:41
  obviously
• 33:41
  don't
• 33:41
  go
• 33:41
  and
• 33:42
  chuck
• 33:42
  all
• 33:42
  of
• 33:43
  your
• 33:43
  investment
• 33:43
  money
• 33:43
  in
• 33:43
  one
• 33:44
  stock.
• 33:44
  But
• 33:45
  it
• 33:45
  might
• 33:45
  be
• 33:45
  as
• 33:45
  simple
• 33:46
  as
• 33:46
  finding
• 33:46
  a
• 33:47
  small
• 33:47
  amount,
• 33:48
  putting
• 33:48
  in
• 33:48
  an
• 33:48
  index
• 33:49
  fund,
• 33:49
  or,
• 33:49
  you
• 33:49
  know,
• 33:50
  tracking
• 33:50
  the
• 33:51
  market
• 33:51
  like
• 33:51
  the
• 33:51
  s
• 33:51
  and
• 33:52
  P500,
• 33:52
  even
• 33:52
  if
• 33:52
  it's
• 33:52
  like
• 33:53
  $5.
• 33:54
  This
• 33:54
  is
• 33:54
  not
• 33:55
  advice.
• 33:56
  But
• 33:57
  the
• 33:57
  more
• 33:57
  that
• 33:58
  you
• 33:58
  do,
• 33:58
  the
• 33:59
  more
• 33:59
  confidence
• 33:59
  you
• 34:00
  build.
• 34:00
  And
• 34:00
  I
• 34:01
  wholeheartedly
• 34:02
  think
• 34:02
  that
• 34:02
  that's
• 34:03
  true.
• 34:03
  The
• 34:03
  more
• 34:03
  that
• 34:03
  I've
• 34:04
  seen
• 34:04
  myself
• 34:04
  do,
• 34:04
  the
• 34:05
  more
• 34:05
  confidence
• 34:05
  I
• 34:05
  have
• 34:05
  in
• 34:05
  myself.
• 34:06
  To
• 34:06
  do
• 34:06
  more
• 34:07
  hundred
• 34:07
  percent.
• 34:08
  And
• 34:08
  as
• 34:09
  well,
• 34:09
  I
• 34:09
  think
• 34:09
  from
• 34:09
  someone
• 34:09
  who's
• 34:10
  had
• 34:10
  that
• 34:10
  bad
• 34:10
  experience
• 34:10
  with
• 34:11
  that,
• 34:12
  chipped
• 34:12
  away,
• 34:12
  got
• 34:12
  rid
• 34:13
  of
• 34:13
  it
• 34:13
  and
• 34:13
  now
• 34:13
  you've
• 34:14
  moved
• 34:14
  into
• 34:14
  having
• 34:15
  investment
• 34:15
  properties.
• 34:17
  Was
• 34:17
  there
• 34:17
  a
• 34:18
  little
• 34:18
  bit
• 34:18
  of
• 34:18
  a
• 34:18
  mental
• 34:18
  flip
• 34:19
  there
• 34:19
  to
• 34:19
  be
• 34:19
  like,
• 34:19
  oh,
• 34:19
  I'm
• 34:19
  taking
• 34:20
  on
• 34:20
  debt
• 34:20
  again?
• 34:20
  Was
• 34:20
  there
• 34:21
  any
• 34:21
  moment
• 34:21
  of.
• 34:22
  No,
• 34:22
  that
• 34:22
  was
• 34:22
  good
• 34:22
  because
• 34:22
  you
• 34:23
  knew
• 34:23
  it
• 34:23
  was
• 34:23
  good
• 34:23
  stuff.
• 34:23
  It's
• 34:24
  so
• 34:24
  interesting.
• 34:24
  I
• 34:25
  have
• 34:25
  a
• 34:25
  very
• 34:25
  high
• 34:25
  risk
• 34:25
  tolerance.
• 34:26
  I
• 34:26
  think
• 34:26
  I'm
• 34:27
  not
• 34:27
  stressed
• 34:27
  at
• 34:28
  the
• 34:28
  idea
• 34:28
  of
• 34:28
  having
• 34:28
  good
• 34:29
  debt.
• 34:29
  So
• 34:29
  I
• 34:30
  e.
• 34:30
  A
• 34:30
  mortgage
• 34:31
  Vic,
• 34:31
  when
• 34:31
  she
• 34:31
  looks
• 34:32
  at
• 34:32
  her
• 34:32
  account,
• 34:32
  stresses
• 34:33
  out,
• 34:33
  hates
• 34:33
  it,
• 34:34
  like,
• 34:34
  really
• 34:34
  struggles.
• 34:35
  I
• 34:36
  have
• 34:37
  had
• 34:37
  no
• 34:37
  issue
• 34:38
  to
• 34:38
  the
• 34:39
  point
• 34:39
  where
• 34:39
  I
• 34:39
  probably
• 34:39
  will
• 34:39
  do
• 34:39
  a
• 34:40
  third
• 34:40
  this
• 34:40
  year
• 34:41
  and
• 34:41
  leverage
• 34:42
  again
• 34:42
  and
• 34:42
  refinance
• 34:43
  and
• 34:43
  then
• 34:44
  go
• 34:44
  again.
• 34:44
  Yeah,
• 34:45
  I
• 34:45
  have
• 34:45
  no
• 34:45
  issue
• 34:45
  with
• 34:45
  it.
• 34:46
  And
• 34:46
  maybe
• 34:46
  it's
• 34:46
  the
• 34:46
  idea
• 34:47
  of
• 34:47
  feeling
• 34:47
  like
• 34:47
  I
• 34:47
  need
• 34:47
  to
• 34:47
  catch
• 34:48
  up.
• 34:48
  So
• 34:48
  I'm
• 34:48
  really
• 34:48
  have
• 34:49
  no
• 34:49
  issue
• 34:49
  with
• 34:50
  doubling
• 34:50
  down
• 34:50
  on
• 34:50
  the
• 34:51
  risk
• 34:51
  front.
• 34:51
  You
• 34:51
  know,
• 34:51
  for
• 34:51
  me,
• 34:52
  I
• 34:52
  find
• 34:52
  crypto
• 34:53
  really
• 34:53
  interesting,
• 34:53
  and
• 34:54
  I
• 34:54
  find
• 34:55
  investments
• 34:55
  that
• 34:55
  are
• 34:55
  perhaps
• 34:56
  more
• 34:56
  risky
• 34:57
  interesting,
• 34:58
  and
• 34:59
  I'm
• 34:59
  happy
• 34:59
  to
• 34:59
  take
• 34:59
  those
• 34:59
  bets.
• 35:00
  So,
• 35:00
  yeah,
• 35:00
  in
• 35:01
  terms
• 35:01
  of
• 35:01
  debt
• 35:02
  and
• 35:02
  mortgage,
• 35:02
  No,
• 35:03
  I
• 35:03
  also
• 35:03
  don't
• 35:03
  have
• 35:04
  my
• 35:04
  mortgage
• 35:04
  with
• 35:04
  my
• 35:05
  everyday
• 35:05
  account.
• 35:06
  Like,
• 35:06
  I
• 35:06
  can't
• 35:06
  see
• 35:06
  it
• 35:06
  when
• 35:07
  I
• 35:07
  log
• 35:07
  in.
• 35:07
  And
• 35:07
  I
• 35:07
  think
• 35:07
  that
• 35:08
  helps
• 35:08
  psychologically.
• 35:10
  So
• 35:10
  much
• 35:10
  of
• 35:11
  it
• 35:11
  does
• 35:11
  come
• 35:11
  back
• 35:11
  to
• 35:11
  money
• 35:12
  psychology,
• 35:12
  though,
• 35:12
  right.
• 35:13
  When
• 35:13
  you
• 35:13
  were
• 35:13
  saying
• 35:13
  about
• 35:13
  your
• 35:14
  risk
• 35:14
  tolerance
• 35:14
  and
• 35:14
  you're
• 35:15
  fine
• 35:15
  with
• 35:15
  it
• 35:15
  and
• 35:15
  you're
• 35:16
  like,
• 35:16
  let's
• 35:16
  go.
• 35:18
  I
• 35:18
  understand
• 35:18
  money
• 35:19
  now
• 35:19
  much
• 35:20
  more
• 35:20
  than
• 35:20
  I
• 35:20
  did.
• 35:21
  I
• 35:21
  understand
• 35:21
  that
• 35:22
  to
• 35:22
  build
• 35:22
  wealth,
• 35:22
  you
• 35:23
  like
• 35:23
  to
• 35:23
  be
• 35:24
  able
• 35:24
  to
• 35:24
  leverage
• 35:24
  from
• 35:24
  a
• 35:24
  bank
• 35:25
  and
• 35:25
  to
• 35:25
  be
• 35:25
  able
• 35:25
  to
• 35:25
  use
• 35:25
  that
• 35:25
  money
• 35:26
  to
• 35:26
  catapult
• 35:27
  returns.
• 35:27
  Incredible,
• 35:29
  amazing
• 35:29
  opportunity.
• 35:30
  Worth
• 35:31
  the
• 35:31
  headache
• 35:31
  of
• 35:32
  getting
• 35:32
  your
• 35:32
  mortgage
• 35:32
  and
• 35:32
  jumping
• 35:33
  through
• 35:33
  the
• 35:33
  hoops.
• 35:33
  You
• 35:33
  have
• 35:34
  to,
• 35:34
  you
• 35:34
  know,
• 35:34
  because
• 35:34
  the
• 35:34
  power
• 35:35
  of
• 35:35
  knowledge.
• 35:35
  Yeah,
• 35:36
  the
• 35:36
  power
• 35:36
  of
• 35:36
  knowledge.
• 35:36
  I
• 35:36
  think
• 35:37
  it's.
• 35:37
  Yeah,
• 35:37
  it's
• 35:38
  just
• 35:38
  changed
• 35:38
  the
• 35:38
  way
• 35:39
  I
• 35:39
  think
• 35:39
  about
• 35:39
  everything.
• 35:40
  I
• 35:41
  say
• 35:41
  this
• 35:41
  all
• 35:41
  the
• 35:41
  time.
• 35:42
  First
• 35:42
  thing
• 35:42
  to
• 35:43
  invest
• 35:43
  into
• 35:43
  is
• 35:43
  your
• 35:43
  education
• 35:44
  and
• 35:44
  your
• 35:44
  knowledge.
• 35:45
  Career
• 35:45
  helps
• 35:46
  too,
• 35:46
  then
• 35:47
  the
• 35:47
  other
• 35:47
  investments,
• 35:48
  you
• 35:48
  know.
• 35:48
  But
• 35:48
  to
• 35:49
  invest
• 35:49
  into
• 35:49
  your
• 35:49
  education
• 35:50
  and
• 35:50
  your
• 35:50
  knowledge
• 35:51
  is
• 35:51
  actually
• 35:51
  amazing
• 35:51
  because
• 35:52
  it
• 35:52
  does
• 35:52
  give
• 35:52
  you
• 35:52
  that
• 35:52
  confidence
• 35:53
  to
• 35:53
  be
• 35:53
  like,
• 35:53
  I'm
• 35:54
  doing
• 35:54
  it,
• 35:54
  I'm
• 35:54
  going
• 35:54
  for
• 35:54
  it
• 35:55
  100%.
• 35:56
  And
• 35:56
  I
• 35:57
  think
• 35:57
  anyone
• 35:57
  listening
• 35:57
  that
• 35:58
  is
• 35:58
  feeling
• 35:59
  scared
• 35:59
  about
• 35:59
  investing
• 36:00
  in
• 36:00
  whatever
• 36:01
  asset
• 36:01
  class
• 36:01
  or
• 36:02
  maybe
• 36:02
  it's
• 36:03
  the
• 36:03
  way
• 36:03
  that
• 36:03
  you
• 36:03
  split
• 36:03
  your
• 36:03
  pay.
• 36:04
  Honestly,
• 36:05
  the
• 36:06
  best
• 36:06
  thing
• 36:06
  you
• 36:06
  can
• 36:06
  do
• 36:07
  is
• 36:07
  take
• 36:07
  action
• 36:07
  rather
• 36:08
  than
• 36:08
  sit
• 36:08
  there
• 36:09
  and
• 36:09
  continue
• 36:09
  to
• 36:10
  learn
• 36:10
  until
• 36:10
  you
• 36:10
  think
• 36:10
  you
• 36:10
  have
• 36:11
  everything
• 36:11
  sorted.
• 36:12
  Because
• 36:13
  we've
• 36:13
  had
• 36:14
  how
• 36:14
  many
• 36:15
  hours
• 36:15
  of
• 36:15
  interviews
• 36:16
  have
• 36:16
  we
• 36:16
  spoken
• 36:16
  to
• 36:16
  finance
• 36:17
  professionals?
• 36:17
  And
• 36:18
  we're
• 36:18
  still
• 36:18
  not
• 36:18
  perfect,
• 36:19
  but
• 36:19
  if
• 36:19
  we'd
• 36:20
  waited
• 36:20
  five
• 36:20
  years,
• 36:22
  we
• 36:22
  wouldn't
• 36:22
  have
• 36:22
  done
• 36:23
  anything.
• 36:23
  So
• 36:23
  I
• 36:23
  think
• 36:24
  that
• 36:24
  that's
• 36:24
  just
• 36:24
  like,
• 36:25
  don't
• 36:25
  feel
• 36:26
  like
• 36:26
  you
• 36:26
  have
• 36:26
  to
• 36:27
  have
• 36:27
  every
• 36:27
  little
• 36:28
  bit
• 36:28
  of
• 36:28
  knowledge
• 36:28
  sorted
• 36:29
  before
• 36:29
  you
• 36:29
  do
• 36:30
  things
• 36:30
  differently.
• 36:31
  Such
• 36:31
  a
• 36:31
  good
• 36:31
  point.
• 36:32
  When
• 36:32
  you
• 36:33
  with
• 36:33
  the
• 36:33
  investment
• 36:34
  properties,
• 36:34
  I
• 36:34
  know
• 36:34
  a
• 36:35
  lot
• 36:35
  of
• 36:35
  people
• 36:35
  will
• 36:35
  be
• 36:35
  interested
• 36:35
  on
• 36:36
  that
• 36:36
  because
• 36:36
  you've
• 36:36
  sort
• 36:36
  of
• 36:36
  mentioned
• 36:37
  a
• 36:37
  couple
• 36:37
  of
• 36:37
  things
• 36:37
  and
• 36:38
  I
• 36:38
  think
• 36:38
  people's
• 36:38
  ears
• 36:39
  will
• 36:39
  have
• 36:39
  perked
• 36:39
  up.
• 36:40
  So
• 36:40
  you
• 36:40
  mentioned
• 36:41
  two.
• 36:42
  You
• 36:42
  went
• 36:42
  for
• 36:42
  regions
• 36:43
  and
• 36:43
  a
• 36:44
  friend
• 36:44
  was
• 36:44
  involved.
• 36:45
  How
• 36:45
  did
• 36:46
  you
• 36:46
  take
• 36:46
  this
• 36:47
  from?
• 36:47
  Oh,
• 36:47
  gosh,
• 36:47
  I'm
• 36:47
  a
• 36:48
  bit
• 36:48
  of
• 36:48
  a
• 36:48
  money
• 36:48
  mess.
• 36:48
  I
• 36:48
  can't
• 36:48
  even
• 36:48
  afford
• 36:49
  a
• 36:49
  bus
• 36:49
  ticket
• 36:49
  to
• 36:50
  investment
• 36:50
  property.
• 36:51
  What
• 36:51
  was
• 36:51
  the
• 36:51
  strategy?
• 36:52
  It's
• 36:52
  an
• 36:53
  investing
• 36:53
  approach
• 36:53
  called
• 36:54
  brrrr.
• 36:55
  So
• 36:55
  you
• 36:56
  buy,
• 36:57
  renovate,
• 36:58
  rent,
• 36:58
  refinance,
• 36:59
  repeat.
• 37:00
  And
• 37:00
  it's
• 37:00
  the
• 37:00
  idea
• 37:01
  that
• 37:01
  you
• 37:01
  buy
• 37:01
  wealth,
• 37:02
  you
• 37:02
  buy
• 37:02
  a
• 37:02
  house
• 37:02
  somewhere
• 37:03
  that
• 37:03
  you
• 37:03
  don't.
• 37:04
  You
• 37:04
  never
• 37:04
  planning
• 37:04
  on
• 37:05
  living
• 37:05
  in
• 37:05
  this
• 37:05
  house,
• 37:05
  by
• 37:05
  the
• 37:05
  way,
• 37:05
  so
• 37:06
  you're
• 37:06
  not
• 37:06
  having
• 37:06
  to
• 37:06
  spend
• 37:07
  money
• 37:08
  or
• 37:09
  effort
• 37:09
  or
• 37:10
  emotional
• 37:10
  exertion
• 37:11
  on
• 37:11
  finding
• 37:11
  the
• 37:11
  right
• 37:12
  property
• 37:12
  because
• 37:12
  you're
• 37:13
  not
• 37:13
  going
• 37:13
  to
• 37:13
  be
• 37:13
  living
• 37:13
  in
• 37:13
  it,
• 37:13
  if
• 37:14
  that
• 37:14
  makes
• 37:14
  sense.
• 37:14
  It's
• 37:14
  all
• 37:14
  about
• 37:15
  the
• 37:15
  numbers.
• 37:15
  So
• 37:15
  I,
• 37:15
  I
• 37:16
  was
• 37:16
  like
• 37:16
  approaching
• 37:16
  this
• 37:17
  completely
• 37:17
  as
• 37:17
  an
• 37:17
  investment
• 37:18
  property.
• 37:19
  So
• 37:19
  buy
• 37:19
  well,
• 37:20
  find
• 37:20
  a
• 37:21
  house
• 37:21
  that
• 37:21
  you
• 37:21
  can
• 37:21
  add
• 37:21
  value
• 37:22
  to,
• 37:23
  which
• 37:23
  is
• 37:23
  what
• 37:23
  we
• 37:23
  did.
• 37:23
  We
• 37:24
  spent.
• 37:24
  So
• 37:25
  the
• 37:25
  first
• 37:25
  one
• 37:26
  we
• 37:26
  bought
• 37:26
  for
• 37:26
  400,000,
• 37:28
  spent
• 37:28
  73,000
• 37:29
  on
• 37:29
  the
• 37:29
  renovation,
• 37:30
  budgeted
• 37:30
  80,
• 37:31
  spent
• 37:31
  less
• 37:32
  than
• 37:32
  that,
• 37:33
  renovated
• 37:33
  in
• 37:34
  six
• 37:34
  weeks
• 37:34
  and
• 37:34
  then
• 37:35
  we
• 37:36
  rented
• 37:36
  it
• 37:37
  out.
• 37:37
  So
• 37:37
  there's
• 37:37
  people
• 37:37
  covering
• 37:38
  the
• 37:38
  rent.
• 37:38
  It
• 37:38
  now
• 37:39
  completely
• 37:39
  washes
• 37:40
  its
• 37:40
  face.
• 37:40
  As
• 37:41
  you
• 37:41
  know,
• 37:41
  property
• 37:41
  professionals
• 37:42
  say,
• 37:43
  basically,
• 37:43
  I
• 37:44
  don't
• 37:44
  have
• 37:44
  to
• 37:44
  put
• 37:44
  any
• 37:44
  money
• 37:45
  into
• 37:45
  that
• 37:45
  month
• 37:45
  to
• 37:45
  month.
• 37:46
  So
• 37:46
  it's
• 37:46
  growing
• 37:47
  in
• 37:47
  value
• 37:47
  by
• 37:48
  tracking
• 37:48
  the
• 37:48
  market.
• 37:48
  So
• 37:49
  we're
• 37:49
  going
• 37:49
  to
• 37:49
  hold
• 37:50
  it
• 37:50
  for
• 37:50
  a
• 37:50
  long
• 37:50
  period
• 37:50
  of
• 37:51
  time.
• 37:51
  But
• 37:51
  by
• 37:52
  renovating
• 37:52
  and
• 37:52
  adding
• 37:53
  an
• 37:53
  extra
• 37:53
  bedroom,
• 37:54
  we
• 37:54
  immediately
• 37:55
  had
• 37:55
  an
• 37:55
  uplift
• 37:56
  of
• 37:56
  about
• 37:56
  125,000.
• 37:58
  So
• 37:59
  it's
• 37:59
  just
• 38:00
  a
• 38:00
  different
• 38:00
  approach
• 38:00
  to
• 38:00
  property.
• 38:01
  It's
• 38:01
  the
• 38:01
  idea
• 38:02
  that
• 38:02
  you
• 38:03
  buy
• 38:03
  in
• 38:03
  an
• 38:03
  area
• 38:04
  you
• 38:04
  wouldn't
• 38:04
  otherwise,
• 38:05
  because
• 38:05
  I'm
• 38:06
  not
• 38:06
  planning
• 38:06
  on
• 38:06
  living
• 38:07
  in
• 38:07
  Whangarei,
• 38:07
  but
• 38:08
  it
• 38:08
  was
• 38:08
  the
• 38:08
  perfect
• 38:09
  house
• 38:09
  for
• 38:09
  what
• 38:09
  we
• 38:09
  needed.
• 38:10
  I've
• 38:11
  now
• 38:11
  done
• 38:11
  it
• 38:11
  for
• 38:12
  a
• 38:12
  second
• 38:12
  time.
• 38:12
  So
• 38:12
  because
• 38:13
  we
• 38:13
  had
• 38:14
  such
• 38:14
  an
• 38:14
  equity
• 38:15
  uplift
• 38:15
  in
• 38:15
  that
• 38:15
  first
• 38:16
  one,
• 38:16
  I
• 38:17
  could
• 38:17
  borrow
• 38:17
  against
• 38:17
  that
• 38:18
  so
• 38:18
  I
• 38:18
  didn't
• 38:18
  have
• 38:18
  to
• 38:18
  put
• 38:18
  any
• 38:18
  money
• 38:19
  in
• 38:19
  as
• 38:19
  a
• 38:19
  deposit
• 38:19
  for
• 38:20
  the
• 38:20
  second
• 38:20
  house,
• 38:20
  which
• 38:20
  is
• 38:21
  just
• 38:21
  like.
• 38:21
  So,
• 38:22
  you
• 38:23
  know,
• 38:23
  when
• 38:23
  something
• 38:23
  lands.
• 38:24
  For
• 38:24
  me,
• 38:24
  I
• 38:24
  was
• 38:24
  like
• 38:24
  the
• 38:25
  property
• 38:25
  ladder.
• 38:26
  They
• 38:26
  call
• 38:26
  it
• 38:26
  a
• 38:26
  ladder
• 38:27
  for
• 38:27
  a
• 38:27
  reason.
• 38:27
  You
• 38:27
  know,
• 38:27
  it's
• 38:28
  so
• 38:28
  hard
• 38:28
  to
• 38:28
  get
• 38:28
  the
• 38:28
  first
• 38:29
  one.
• 38:29
  It's
• 38:30
  just
• 38:30
  like
• 38:30
  investing
• 38:30
  the
• 38:31
  first
• 38:31
  100k
• 38:31
  is
• 38:31
  the
• 38:32
  hardest.
• 38:32
  You
• 38:32
  know,
• 38:32
  those,
• 38:33
  those
• 38:33
  first
• 38:33
  steps
• 38:34
  are
• 38:34
  hard
• 38:34
  and
• 38:34
  then
• 38:34
  money
• 38:35
  makes
• 38:35
  Money.
• 38:35
  So
• 38:36
  yeah,
• 38:37
  we,
• 38:37
  we
• 38:37
  loaned
• 38:37
  against
• 38:38
  the
• 38:38
  second
• 38:38
  one
• 38:39
  to
• 38:39
  get
• 38:39
  it,
• 38:39
  like
• 38:40
  extend
• 38:40
  the
• 38:40
  mortgage,
• 38:41
  spent
• 38:42
  that
• 38:42
  on
• 38:42
  the
• 38:42
  deposit
• 38:43
  for
• 38:43
  the
• 38:43
  second,
• 38:44
  budgeted
• 38:44
  100
• 38:45
  grand
• 38:45
  for
• 38:45
  our
• 38:45
  renovation,
• 38:47
  spent
• 38:47
  100
• 38:48
  grand
• 38:48
  on
• 38:48
  the
• 38:48
  renovation,
• 38:49
  had
• 38:49
  it
• 38:49
  revalued
• 38:50
  and
• 38:50
  made
• 38:50
  close
• 38:51
  to
• 38:51
  130
• 38:51
  in
• 38:52
  that
• 38:52
  one
• 38:52
  in
• 38:53
  equity
• 38:53
  uplift
• 38:53
  and
• 38:54
  again
• 38:54
  have
• 38:54
  rented
• 38:54
  it
• 38:54
  out,
• 38:55
  holding
• 38:55
  onto
• 38:55
  it
• 38:55
  for
• 38:55
  a
• 38:56
  long
• 38:56
  period
• 38:56
  of
• 38:56
  time.
• 38:56
  So
• 38:57
  they're,
• 38:57
  you
• 38:58
  know,
• 38:58
  they're
• 38:58
  not
• 38:58
  expensive
• 38:59
  houses.
• 38:59
  We
• 38:59
  haven't
• 39:00
  gone
• 39:00
  and
• 39:00
  bought
• 39:00
  in,
• 39:01
  you
• 39:01
  know,
• 39:02
  a
• 39:03
  main
• 39:03
  center.
• 39:04
  And
• 39:04
  for
• 39:04
  me
• 39:04
  it
• 39:04
  was
• 39:04
  a
• 39:05
  stepping
• 39:05
  stone
• 39:05
  because
• 39:06
  A,
• 39:06
  I
• 39:06
  couldn't
• 39:07
  buy
• 39:07
  a
• 39:07
  house
• 39:07
  that
• 39:07
  I
• 39:07
  was
• 39:07
  going
• 39:07
  to
• 39:08
  live
• 39:08
  in
• 39:08
  and
• 39:08
  therefore
• 39:09
  needed
• 39:09
  to
• 39:09
  look
• 39:10
  at
• 39:10
  investment,
• 39:10
  which
• 39:10
  is
• 39:11
  30%
• 39:11
  deposit,
• 39:12
  which
• 39:12
  is
• 39:12
  obviously
• 39:12
  more.
• 39:13
  And
• 39:13
  because
• 39:14
  I
• 39:14
  needed
• 39:14
  a
• 39:14
  30%
• 39:14
  deposit
• 39:15
  I
• 39:15
  could
• 39:15
  only
• 39:15
  afford
• 39:16
  in
• 39:16
  the
• 39:16
  regions,
• 39:17
  so
• 39:17
  I
• 39:17
  spent
• 39:17
  less
• 39:18
  on
• 39:18
  that
• 39:19
  property.
• 39:20
  But
• 39:20
  I
• 39:20
  just
• 39:20
  think
• 39:21
  it's
• 39:21
  been
• 39:21
  such
• 39:21
  a
• 39:21
  cool
• 39:22
  way
• 39:22
  to
• 39:22
  invest
• 39:23
  in
• 39:23
  property
• 39:23
  and
• 39:23
  I
• 39:23
  don't
• 39:24
  know
• 39:24
  why
• 39:24
  more
• 39:24
  people
• 39:24
  don't
• 39:25
  do
• 39:25
  it.
• 39:25
  Well,
• 39:25
  it's
• 39:25
  tricky,
• 39:26
  right,
• 39:26
  because
• 39:26
  people
• 39:27
  often
• 39:27
  struggle
• 39:27
  with
• 39:27
  a
• 39:28
  deposit.
• 39:29
  So
• 39:29
  that
• 39:29
  was
• 39:29
  you
• 39:30
  mentioned
• 39:30
  about
• 39:30
  you'd
• 39:30
  been
• 39:31
  making
• 39:31
  investments
• 39:32
  into
• 39:32
  the
• 39:33
  share
• 39:33
  market
• 39:34
  and
• 39:34
  liquidated
• 39:35
  some
• 39:35
  of
• 39:35
  that.
• 39:36
  The
• 39:36
  deposit.
• 39:36
  Yeah.
• 39:37
  How
• 39:37
  do
• 39:37
  you
• 39:37
  feel
• 39:38
  about
• 39:38
  that?
• 39:39
  Still
• 39:40
  investing
• 39:40
  money.
• 39:40
  Right.
• 39:41
  But
• 39:41
  liquidating
• 39:41
  some
• 39:42
  to
• 39:42
  put
• 39:42
  it
• 39:42
  elsewhere?
• 39:43
  Yeah,
• 39:43
  I
• 39:43
  felt
• 39:43
  really
• 39:44
  good
• 39:44
  about
• 39:44
  it
• 39:44
  because.
• 39:45
  Well,
• 39:45
  firstly,
• 39:46
  this
• 39:47
  was
• 39:47
  last
• 39:48
  February
• 39:48
  when
• 39:48
  I
• 39:48
  bought
• 39:49
  my
• 39:49
  first
• 39:49
  one
• 39:49
  and
• 39:49
  it
• 39:49
  was
• 39:50
  when
• 39:50
  the
• 39:50
  market
• 39:50
  started
• 39:51
  to
• 39:51
  tank.
• 39:51
  So
• 39:51
  this
• 39:52
  was
• 39:52
  last
• 39:52
  year,
• 39:52
  like
• 39:52
  February,
• 39:53
  April,
• 39:53
  when
• 39:53
  all
• 39:53
  of
• 39:54
  the
• 39:54
  tariff
• 39:54
  saga
• 39:55
  was
• 39:55
  happening.
• 39:55
  And
• 39:56
  I
• 39:56
  did
• 39:56
  not
• 39:57
  do.
• 39:58
  Everybody
• 39:58
  listening,
• 39:59
  do
• 39:59
  not
• 39:59
  do
• 39:59
  this.
• 40:00
  It's
• 40:01
  been
• 40:01
  a
• 40:01
  theme.
• 40:02
  So
• 40:03
  basically,
• 40:03
  you
• 40:04
  know
• 40:04
  how
• 40:04
  everyone
• 40:04
  will
• 40:05
  say
• 40:05
  to
• 40:05
  you,
• 40:05
  put
• 40:05
  money
• 40:06
  in
• 40:06
  the
• 40:06
  stock
• 40:06
  market
• 40:06
  that
• 40:06
  you
• 40:07
  want
• 40:07
  to
• 40:07
  leave
• 40:08
  for
• 40:08
  five
• 40:08
  years.
• 40:09
  You
• 40:09
  need
• 40:09
  to
• 40:10
  readjust
• 40:10
  or
• 40:10
  move
• 40:11
  things
• 40:11
  around
• 40:11
  if
• 40:11
  you're
• 40:11
  planning
• 40:12
  on
• 40:12
  using
• 40:12
  that
• 40:12
  money.
• 40:13
  Because
• 40:14
  investing
• 40:14
  in
• 40:14
  the
• 40:14
  stock
• 40:15
  market
• 40:15
  goes
• 40:15
  up
• 40:15
  and
• 40:15
  down
• 40:16
  and
• 40:16
  sideways
• 40:16
  in
• 40:17
  the
• 40:17
  short
• 40:17
  term.
• 40:18
  So
• 40:18
  if
• 40:19
  you
• 40:19
  need
• 40:19
  it
• 40:19
  and
• 40:20
  you're
• 40:20
  going
• 40:20
  to
• 40:20
  be
• 40:20
  using
• 40:20
  that
• 40:21
  money,
• 40:21
  do
• 40:22
  not
• 40:22
  risk
• 40:22
  it
• 40:22
  going
• 40:22
  down
• 40:22
  in
• 40:23
  the
• 40:23
  short
• 40:23
  term.
• 40:24
  I
• 40:24
  nearly
• 40:25
  couldn't
• 40:26
  buy
• 40:26
  the
• 40:26
  house
• 40:26
  because
• 40:26
  I
• 40:27
  didn't
• 40:27
  pull
• 40:27
  that
• 40:27
  money
• 40:27
  out
• 40:28
  of
• 40:28
  the
• 40:28
  stock
• 40:28
  market
• 40:28
  soon
• 40:28
  enough.
• 40:29
  I
• 40:30
  knew
• 40:30
  I
• 40:30
  was
• 40:30
  buying
• 40:30
  a
• 40:30
  property
• 40:31
  but
• 40:31
  I
• 40:31
  didn't
• 40:31
  know
• 40:31
  how
• 40:31
  long
• 40:32
  it
• 40:32
  would
• 40:32
  be
• 40:32
  till
• 40:32
  I
• 40:32
  found
• 40:32
  one
• 40:33
  and
• 40:33
  blah,
• 40:33
  blah,
• 40:33
  blah.
• 40:33
  And
• 40:33
  I
• 40:33
  didn't
• 40:34
  do
• 40:34
  that
• 40:34
  early.
• 40:34
  So
• 40:35
  the
• 40:35
  stock
• 40:35
  market
• 40:35
  started
• 40:36
  to
• 40:36
  go
• 40:36
  down
• 40:36
  and
• 40:36
  I
• 40:36
  pulled
• 40:37
  it
• 40:37
  all
• 40:37
  out
• 40:37
  just
• 40:38
  before
• 40:38
  it
• 40:38
  like
• 40:38
  fully
• 40:39
  tanked.
• 40:40
  So
• 40:40
  I
• 40:40
  was
• 40:41
  really,
• 40:41
  really
• 40:42
  lucky.
• 40:43
  You
• 40:43
  know,
• 40:43
  it
• 40:44
  was
• 40:44
  pulling
• 40:44
  money
• 40:44
  out
• 40:44
  of
• 40:44
  investments
• 40:45
  that
• 40:45
  I
• 40:45
  had
• 40:45
  made
• 40:46
  money
• 40:46
  on
• 40:46
  to
• 40:46
  leverage
• 40:47
  by
• 40:47
  using
• 40:48
  more
• 40:48
  money
• 40:48
  from
• 40:48
  the
• 40:48
  bank
• 40:48
  to
• 40:49
  make
• 40:49
  hopefully
• 40:50
  more
• 40:50
  returns.
• 40:51
  I
• 40:51
  wasn't
• 40:51
  also
• 40:51
  crystallizing
• 40:52
  losses
• 40:53
  by
• 40:53
  taking
• 40:53
  money
• 40:54
  out
• 40:54
  of
• 40:54
  the
• 40:54
  stock
• 40:54
  market.
• 40:55
  I'd
• 40:55
  made
• 40:56
  money,
• 40:56
  so.
• 40:56
  And
• 40:57
  also
• 40:57
  I
• 40:57
  will
• 40:57
  say,
• 40:57
  just
• 40:58
  for
• 40:58
  transparency,
• 40:58
  my
• 40:59
  dad
• 40:59
  gave
• 41:00
  me
• 41:00
  50,000
• 41:01
  towards
• 41:01
  my
• 41:01
  first
• 41:02
  property.
• 41:03
  So
• 41:03
  I
• 41:03
  was
• 41:03
  able
• 41:04
  to
• 41:04
  get.
• 41:04
  I
• 41:04
  wouldn't
• 41:04
  have
• 41:05
  been
• 41:05
  able
• 41:05
  to
• 41:05
  do
• 41:05
  it
• 41:05
  without
• 41:05
  that.
• 41:06
  And
• 41:06
  I
• 41:06
  just
• 41:06
  think
• 41:06
  it's
• 41:06
  important
• 41:07
  to
• 41:07
  recognize
• 41:08
  that.
• 41:08
  Cause
• 41:08
  a
• 41:08
  lot
• 41:08
  of
• 41:08
  people
• 41:09
  don't
• 41:09
  have
• 41:09
  help
• 41:10
  from
• 41:10
  parents.
• 41:10
  I'm
• 41:10
  really
• 41:11
  privileged.
• 41:12
  And
• 41:12
  I
• 41:13
  think
• 41:13
  it's
• 41:13
  really
• 41:13
  unhelpful
• 41:13
  when
• 41:14
  people
• 41:14
  don't
• 41:14
  talk
• 41:14
  about
• 41:14
  getting
• 41:15
  help
• 41:15
  from
• 41:16
  parents
• 41:16
  because
• 41:16
  it
• 41:16
  again
• 41:17
  is
• 41:17
  the
• 41:17
  comparison
• 41:17
  game
• 41:18
  of
• 41:18
  like,
• 41:18
  what
• 41:18
  am
• 41:18
  I
• 41:18
  doing
• 41:18
  wrong?
• 41:19
  You
• 41:19
  just
• 41:20
  don't
• 41:20
  know
• 41:20
  someone's
• 41:21
  personal
• 41:21
  situation.
• 41:22
  I
• 41:22
  was
• 41:22
  really
• 41:22
  lucky
• 41:23
  to
• 41:23
  have
• 41:23
  that.
• 41:24
  I
• 41:24
  know
• 41:24
  it's
• 41:24
  tricky
• 41:24
  that,
• 41:24
  isn't
• 41:25
  it?
• 41:25
  Because
• 41:25
  you
• 41:25
  want
• 41:25
  to
• 41:25
  be
• 41:26
  honest
• 41:26
  and
• 41:26
  you
• 41:26
  know
• 41:26
  that
• 41:26
  some
• 41:26
  people
• 41:27
  are
• 41:27
  not
• 41:27
  gonna
• 41:27
  like
• 41:27
  it.
• 41:27
  But
• 41:28
  at
• 41:28
  the
• 41:28
  same
• 41:28
  time
• 41:28
  hiding
• 41:29
  it
• 41:29
  is
• 41:29
  so
• 41:30
  unfair.
• 41:30
  Well,
• 41:31
  it's
• 41:31
  worse.
• 41:31
  And
• 41:31
  I
• 41:31
  mean
• 41:31
  people
• 41:32
  will
• 41:32
  listen
• 41:32
  to
• 41:32
  that
• 41:32
  and
• 41:32
  think,
• 41:33
  you
• 41:33
  privileged
• 41:33
  spoiled
• 41:34
  brat,
• 41:34
  you
• 41:35
  were
• 41:35
  given
• 41:35
  $50,000
• 41:36
  to
• 41:36
  put
• 41:36
  into
• 41:36
  it.
• 41:37
  You
• 41:37
  know,
• 41:37
  and
• 41:37
  I'm
• 41:38
  have
• 41:38
  to
• 41:38
  own
• 41:38
  that
• 41:38
  because
• 41:39
  it's
• 41:39
  the
• 41:39
  reality
• 41:40
  of
• 41:40
  my
• 41:40
  situation.
• 41:41
  But
• 41:42
  I
• 41:42
  know
• 41:42
  a
• 41:43
  lot
• 41:43
  of
• 41:43
  people
• 41:43
  who
• 41:44
  have
• 41:44
  had
• 41:44
  way
• 41:45
  more
• 41:45
  help
• 41:45
  than
• 41:45
  that
• 41:46
  and
• 41:46
  don't
• 41:46
  talk
• 41:46
  about
• 41:46
  it
• 41:46
  and
• 41:47
  I
• 41:47
  think
• 41:47
  that's
• 41:47
  even
• 41:48
  more
• 41:48
  detrimental.
• 41:48
  So
• 41:49
  I'm
• 41:49
  kind
• 41:49
  of
• 41:49
  like
• 41:50
  willing
• 41:50
  to
• 41:50
  risk
• 41:50
  people
• 41:50
  thinking
• 41:51
  I'm
• 41:51
  a
• 41:51
  brat,
• 41:52
  to
• 41:52
  be
• 41:52
  honest,
• 41:53
  because
• 41:53
  I
• 41:53
  think
• 41:54
  that
• 41:54
  it's
• 41:54
  important.
• 41:55
  I
• 41:55
  love
• 41:55
  that.
• 41:57
  The
• 41:57
  other
• 41:57
  thing
• 41:57
  that
• 41:58
  sticks
• 41:58
  with
• 41:58
  me
• 41:58
  though
• 41:58
  is
• 41:59
  buying
• 41:59
  them
• 41:59
  with
• 41:59
  a
• 41:59
  friend.
• 42:00
  Yeah,
• 42:00
  sorry,
• 42:01
  I
• 42:01
  thought
• 42:01
  that
• 42:01
  was
• 42:01
  part
• 42:01
  of
• 42:01
  the
• 42:01
  question.
• 42:02
  Yes,
• 42:02
  no,
• 42:02
  but
• 42:02
  I
• 42:03
  like
• 42:03
  compare
• 42:03
  that
• 42:03
  with
• 42:04
  your
• 42:04
  business
• 42:04
  as
• 42:04
  well.
• 42:05
  You
• 42:05
  know,
• 42:05
  you've
• 42:05
  gone
• 42:05
  into.
• 42:05
  I'm
• 42:06
  assuming
• 42:06
  it's
• 42:06
  a
• 42:06
  different
• 42:06
  friend.
• 42:07
  Yes,
• 42:07
  yes.
• 42:08
  So
• 42:08
  you've
• 42:08
  got
• 42:08
  these
• 42:08
  investment
• 42:09
  properties
• 42:09
  with
• 42:09
  a
• 42:09
  friend.
• 42:10
  You've
• 42:10
  also
• 42:10
  gone
• 42:11
  into
• 42:11
  business
• 42:11
  with
• 42:11
  a
• 42:12
  friend.
• 42:12
  Yeah.
• 42:12
  People
• 42:13
  do
• 42:13
  often
• 42:13
  say,
• 42:14
  don't
• 42:14
  mix
• 42:14
  money.
• 42:14
  Well,
• 42:15
  they
• 42:15
  more
• 42:15
  say
• 42:16
  don't
• 42:16
  mix
• 42:16
  money
• 42:16
  in
• 42:16
  family,
• 42:17
  but
• 42:17
  don't
• 42:17
  mix
• 42:17
  money
• 42:18
  in
• 42:18
  friendship
• 42:18
  is
• 42:18
  certainly
• 42:19
  up
• 42:19
  there.
• 42:20
  You've
• 42:20
  got
• 42:20
  a
• 42:21
  good
• 42:21
  risk
• 42:21
  tolerance.
• 42:22
  I
• 42:22
  really
• 42:22
  do,
• 42:23
  don't
• 42:23
  I?
• 42:24
  I
• 42:24
  also
• 42:24
  known
• 42:25
  this
• 42:25
  person
• 42:25
  for
• 42:25
  three
• 42:25
  weeks
• 42:25
  when
• 42:26
  we
• 42:26
  decided
• 42:26
  to
• 42:26
  do
• 42:27
  this.
• 42:27
  So
• 42:27
  like,
• 42:27
  I
• 42:28
  am
• 42:28
  crazy.
• 42:30
  Okay,
• 42:30
  so.
• 42:31
  All
• 42:31
  right.
• 42:32
  Yeah,
• 42:32
  more
• 42:32
  context,
• 42:33
  more
• 42:33
  context.
• 42:34
  So
• 42:34
  he
• 42:34
  moved
• 42:34
  into
• 42:34
  the
• 42:35
  flat
• 42:35
  that
• 42:35
  I
• 42:35
  was
• 42:35
  living
• 42:36
  in
• 42:36
  at
• 42:36
  the
• 42:36
  time.
• 42:36
  He's
• 42:37
  really
• 42:37
  good
• 42:37
  friends
• 42:37
  of
• 42:37
  one
• 42:37
  of.
• 42:37
  My
• 42:38
  friends,
• 42:38
  also
• 42:38
  London
• 42:38
  based.
• 42:39
  A
• 42:39
  New
• 42:39
  Zealander.
• 42:40
  Yeah,
• 42:40
  yeah,
• 42:40
  he's.
• 42:41
  I
• 42:41
  knew
• 42:41
  his
• 42:42
  sister.
• 42:42
  I
• 42:42
  knew,
• 42:42
  you
• 42:43
  know,
• 42:43
  it
• 42:43
  wasn't
• 42:43
  like
• 42:43
  he
• 42:44
  was
• 42:44
  a
• 42:44
  random.
• 42:44
  I
• 42:44
  met
• 42:44
  and
• 42:44
  knew
• 42:45
  for
• 42:45
  three
• 42:45
  weeks.
• 42:46
  We.
• 42:46
  So
• 42:47
  we
• 42:47
  basically
• 42:47
  set
• 42:47
  it
• 42:47
  up
• 42:47
  as
• 42:48
  a
• 42:48
  business.
• 42:48
  So
• 42:48
  Rather
• 42:49
  than
• 42:49
  doing
• 42:49
  it
• 42:49
  in
• 42:50
  a
• 42:50
  personal
• 42:51
  capacity,
• 42:51
  we've
• 42:51
  done
• 42:52
  it
• 42:52
  all
• 42:52
  through
• 42:52
  a
• 42:52
  business
• 42:54
  and
• 42:54
  we
• 42:54
  did
• 42:54
  it
• 42:55
  50,
• 42:55
  50.
• 42:55
  We
• 42:55
  were
• 42:56
  both
• 42:56
  in
• 42:56
  a
• 42:56
  position
• 42:56
  where
• 42:56
  we
• 42:57
  had
• 42:57
  enough
• 42:57
  for
• 42:58
  a
• 42:58
  deposit
• 42:58
  and
• 42:58
  the
• 42:59
  renovation.
• 43:00
  He'd
• 43:00
  always
• 43:00
  wanted
• 43:01
  to
• 43:01
  do
• 43:01
  property
• 43:01
  and
• 43:01
  that
• 43:02
  way
• 43:02
  he
• 43:02
  works
• 43:02
  in
• 43:02
  that
• 43:03
  industry.
• 43:03
  He
• 43:03
  understands
• 43:04
  it.
• 43:04
  I
• 43:05
  introduced
• 43:05
  him
• 43:05
  to
• 43:06
  the
• 43:06
  concept,
• 43:06
  the
• 43:07
  person
• 43:07
  I
• 43:07
  was
• 43:07
  gonna
• 43:07
  work
• 43:07
  with
• 43:08
  to
• 43:08
  make
• 43:08
  it
• 43:08
  happen.
• 43:08
  He
• 43:08
  loved
• 43:09
  the
• 43:09
  idea.
• 43:10
  So
• 43:11
  yeah,
• 43:11
  it
• 43:11
  was
• 43:12
  crazy.
• 43:13
  But
• 43:13
  the
• 43:13
  only
• 43:13
  way
• 43:14
  I
• 43:14
  could
• 43:14
  have
• 43:14
  done
• 43:14
  it.
• 43:14
  What
• 43:15
  I
• 43:15
  will
• 43:15
  say
• 43:15
  is
• 43:15
  we
• 43:15
  did
• 43:16
  have
• 43:16
  a
• 43:16
  lot
• 43:16
  of
• 43:16
  honest
• 43:17
  conversations
• 43:17
  about
• 43:18
  how
• 43:19
  long
• 43:19
  are
• 43:19
  you
• 43:19
  willing
• 43:19
  to
• 43:19
  hold
• 43:20
  it
• 43:20
  for?
• 43:20
  You
• 43:21
  know,
• 43:21
  we
• 43:21
  had
• 43:21
  some
• 43:22
  pretty
• 43:22
  hairy
• 43:23
  questions.
• 43:24
  Let's
• 43:24
  just
• 43:24
  say
• 43:24
  that
• 43:24
  we
• 43:24
  both
• 43:25
  had
• 43:25
  to
• 43:25
  answer
• 43:25
  and
• 43:25
  be
• 43:26
  on
• 43:26
  the
• 43:26
  same
• 43:26
  page
• 43:26
  and
• 43:26
  we
• 43:26
  had
• 43:26
  it
• 43:26
  in
• 43:27
  right
• 43:27
  hand.
• 43:27
  How
• 43:27
  did
• 43:27
  you
• 43:27
  vet
• 43:28
  each
• 43:28
  other?
• 43:28
  Like
• 43:28
  legally,
• 43:29
  financially
• 43:29
  and
• 43:29
  also
• 43:30
  personalities?
• 43:30
  Yeah.
• 43:31
  We
• 43:31
  basically
• 43:32
  had
• 43:32
  really
• 43:32
  long
• 43:33
  conversations,
• 43:33
  at
• 43:33
  length.
• 43:34
  We
• 43:34
  had
• 43:34
  a
• 43:34
  huge
• 43:34
  list
• 43:34
  of
• 43:34
  questions
• 43:35
  to
• 43:35
  work
• 43:35
  our
• 43:35
  way
• 43:35
  through
• 43:36
  and
• 43:36
  make
• 43:36
  sure
• 43:36
  we're
• 43:36
  on
• 43:36
  the
• 43:36
  same
• 43:37
  page.
• 43:37
  We
• 43:38
  have
• 43:38
  an
• 43:38
  agreement
• 43:38
  between
• 43:39
  the
• 43:39
  two
• 43:39
  of
• 43:39
  us.
• 43:39
  We've
• 43:40
  done
• 43:40
  it
• 43:40
  really
• 43:41
  properly,
• 43:41
  like
• 43:42
  a
• 43:42
  lawyer's
• 43:42
  agreement.
• 43:42
  Sat
• 43:43
  down
• 43:43
  with
• 43:43
  a
• 43:43
  lawyer
• 43:43
  as
• 43:43
  well.
• 43:44
  ChatGPT.
• 43:45
  But
• 43:46
  I
• 43:46
  did
• 43:46
  run
• 43:46
  it
• 43:46
  past
• 43:46
  a
• 43:47
  lawyer
• 43:47
  to
• 43:47
  be
• 43:47
  fair.
• 43:47
  Okay,
• 43:48
  good.
• 43:48
  Yeah.
• 43:48
  And
• 43:49
  the
• 43:49
  world
• 43:50
  we
• 43:50
  live
• 43:50
  in,
• 43:50
  houses
• 43:50
  and
• 43:51
  property
• 43:51
  is
• 43:51
  so
• 43:51
  expensive
• 43:52
  for
• 43:52
  a
• 43:52
  lot
• 43:52
  of
• 43:52
  people.
• 43:53
  If
• 43:53
  you're
• 43:53
  not
• 43:53
  in
• 43:53
  a
• 43:53
  relationship,
• 43:54
  it's
• 43:54
  kind
• 43:54
  of
• 43:54
  impossible.
• 43:55
  We
• 43:56
  were
• 43:56
  both
• 43:56
  single,
• 43:56
  so
• 43:57
  it
• 43:57
  was
• 43:57
  perfect.
• 43:58
  I'm
• 43:58
  so
• 43:58
  glad
• 43:58
  I
• 43:59
  did
• 43:59
  it
• 43:59
  that
• 43:59
  way
• 43:59
  because
• 43:59
  also
• 44:00
  I
• 44:00
  didn't
• 44:00
  want
• 44:00
  to
• 44:00
  put
• 44:00
  100%
• 44:01
  of
• 44:01
  my
• 44:01
  life
• 44:02
  wealth
• 44:02
  into
• 44:02
  property.
• 44:02
  I
• 44:03
  wanted
• 44:03
  to
• 44:03
  be
• 44:03
  diversified
• 44:04
  still.
• 44:04
  What
• 44:04
  would
• 44:05
  have
• 44:05
  been
• 44:05
  a
• 44:05
  red
• 44:05
  flag
• 44:06
  that
• 44:06
  would
• 44:06
  have
• 44:06
  made
• 44:07
  you
• 44:07
  pull
• 44:07
  the
• 44:07
  pin
• 44:07
  on
• 44:08
  it?
• 44:08
  One
• 44:08
  of
• 44:08
  the
• 44:09
  things
• 44:09
  that
• 44:09
  we.
• 44:10
  He
• 44:10
  was
• 44:10
  wanting
• 44:11
  to
• 44:11
  talk.
• 44:11
  He
• 44:11
  was
• 44:11
  talking
• 44:12
  about
• 44:12
  wanting
• 44:12
  to
• 44:12
  leave
• 44:12
  it
• 44:12
  at
• 44:12
  it
• 44:12
  for
• 44:13
  three
• 44:13
  years
• 44:13
  and
• 44:13
  then
• 44:13
  potentially
• 44:14
  selling.
• 44:14
  And
• 44:14
  I
• 44:14
  wanted
• 44:14
  a
• 44:14
  minimum
• 44:15
  of
• 44:15
  five.
• 44:16
  I
• 44:16
  just
• 44:17
  felt
• 44:17
  like
• 44:17
  we
• 44:17
  didn't
• 44:18
  know
• 44:18
  if
• 44:18
  we
• 44:18
  were
• 44:18
  in
• 44:18
  the
• 44:18
  bottom
• 44:18
  of
• 44:19
  the
• 44:19
  market.
• 44:19
  And
• 44:20
  I
• 44:20
  wanted
• 44:21
  capital
• 44:21
  gains
• 44:21
  and
• 44:21
  I
• 44:22
  know
• 44:22
  the
• 44:22
  longer
• 44:22
  you
• 44:22
  keep
• 44:22
  something.
• 44:23
  I
• 44:23
  wanted
• 44:23
  to
• 44:23
  know
• 44:23
  he
• 44:24
  wasn't
• 44:24
  going
• 44:24
  to
• 44:24
  need
• 44:24
  that
• 44:24
  money
• 44:24
  for
• 44:25
  a
• 44:25
  long
• 44:25
  period
• 44:25
  of
• 44:25
  time
• 44:26
  and
• 44:26
  there
• 44:26
  wasn't
• 44:26
  going
• 44:26
  to
• 44:27
  be
• 44:27
  some
• 44:27
  contentious.
• 44:27
  I
• 44:27
  want
• 44:28
  to
• 44:28
  sell
• 44:28
  early.
• 44:29
  What
• 44:29
  were
• 44:29
  green
• 44:30
  flags?
• 44:30
  Super
• 44:31
  open
• 44:31
  minded.
• 44:32
  Quite
• 44:32
  a
• 44:32
  high
• 44:32
  risk
• 44:33
  tolerance.
• 44:33
  Like
• 44:33
  me
• 44:34
  had
• 44:34
  the
• 44:34
  amount
• 44:34
  of
• 44:35
  money
• 44:35
  that
• 44:35
  we
• 44:35
  both
• 44:35
  needed
• 44:36
  to
• 44:36
  make
• 44:36
  it
• 44:36
  happen.
• 44:38
  Had
• 44:38
  pre
• 44:38
  existing
• 44:39
  knowledge
• 44:39
  around
• 44:39
  building
• 44:40
  construction.
• 44:42
  So
• 44:42
  could
• 44:42
  really
• 44:43
  like
• 44:43
  sense
• 44:43
  check
• 44:44
  all
• 44:44
  the
• 44:44
  numbers
• 44:44
  that
• 44:44
  we
• 44:44
  were
• 44:45
  looking
• 44:45
  at.
• 44:45
  If
• 44:46
  someone
• 44:46
  else
• 44:46
  was
• 44:46
  thinking.
• 44:47
  Because
• 44:47
  I
• 44:47
  do
• 44:47
  think
• 44:47
  teaming
• 44:48
  up
• 44:48
  with
• 44:48
  friends
• 44:49
  or
• 44:50
  people
• 44:50
  you're
• 44:50
  friendly
• 44:50
  with,
• 44:51
  like
• 44:51
  do
• 44:51
  we
• 44:51
  call
• 44:51
  someone
• 44:52
  a
• 44:52
  friend
• 44:52
  after.
• 44:52
  Three
• 44:52
  weeks,
• 44:53
  who
• 44:53
  is
• 44:53
  my
• 44:54
  friend?
• 44:54
  You
• 44:54
  Definitely
• 44:55
  have
• 44:55
  a
• 44:55
  higher
• 44:55
  risk
• 44:55
  tolerance
• 44:56
  that
• 44:56
  I
• 44:57
  really
• 44:57
  want
• 44:57
  that
• 44:58
  one
• 44:58
  you've
• 44:58
  got.
• 44:58
  Oh,
• 44:59
  my
• 44:59
  God.
• 44:59
  Okay,
• 44:59
  good
• 45:00
  to
• 45:00
  know.
• 45:01
  But
• 45:01
  hey,
• 45:01
  it's
• 45:02
  working
• 45:02
  so
• 45:02
  good
• 45:02
  for
• 45:03
  you.
• 45:04
  But
• 45:04
  I
• 45:04
  think,
• 45:04
  you
• 45:04
  know,
• 45:05
  when,
• 45:05
  when
• 45:05
  you
• 45:05
  team
• 45:05
  up
• 45:05
  with
• 45:06
  someone,
• 45:06
  I
• 45:06
  think
• 45:06
  you're
• 45:06
  spot
• 45:07
  on
• 45:07
  there,
• 45:07
  that
• 45:07
  it's
• 45:07
  easier
• 45:08
  with
• 45:08
  two
• 45:08
  incomes
• 45:08
  than
• 45:08
  one.
• 45:09
  Of
• 45:09
  course.
• 45:10
  And
• 45:10
  if
• 45:10
  you're
• 45:10
  not
• 45:11
  in
• 45:11
  a
• 45:11
  partnership,
• 45:11
  if
• 45:11
  you
• 45:12
  can
• 45:12
  find
• 45:12
  someone
• 45:12
  who
• 45:12
  you
• 45:13
  trust
• 45:13
  and
• 45:13
  you
• 45:13
  are
• 45:13
  on
• 45:13
  the
• 45:14
  same
• 45:14
  page
• 45:14
  financially,
• 45:15
  I
• 45:15
  think
• 45:15
  it's
• 45:15
  smart.
• 45:16
  I
• 45:16
  mean,
• 45:16
  the
• 45:16
  amount
• 45:16
  of
• 45:16
  people
• 45:17
  I
• 45:17
  know
• 45:17
  who
• 45:17
  are
• 45:17
  in
• 45:17
  romantic
• 45:18
  relationships
• 45:18
  and
• 45:19
  it's
• 45:19
  not
• 45:19
  necessarily
• 45:19
  the
• 45:20
  best
• 45:20
  money
• 45:20
  match
• 45:21
  and
• 45:21
  they
• 45:21
  still
• 45:21
  buy
• 45:21
  houses
• 45:22
  together.
• 45:22
  So,
• 45:22
  like,
• 45:24
  I
• 45:24
  just
• 45:24
  think
• 45:24
  changing
• 45:25
  your
• 45:25
  mindset
• 45:25
  around
• 45:26
  buying
• 45:26
  property
• 45:27
  as
• 45:27
  a
• 45:28
  less
• 45:28
  emotional,
• 45:28
  romantic
• 45:29
  thing
• 45:30
  is
• 45:30
  an
• 45:31
  interesting
• 45:31
  mindset
• 45:32
  shift
• 45:32
  in
• 45:32
  itself.
• 45:32
  Like
• 45:33
  most
• 45:33
  people
• 45:33
  who
• 45:33
  buy
• 45:34
  property
• 45:34
  with
• 45:34
  their
• 45:34
  partners
• 45:34
  are
• 45:35
  buying
• 45:35
  a
• 45:35
  house
• 45:35
  to
• 45:35
  live
• 45:35
  in.
• 45:36
  It's
• 45:36
  completely
• 45:37
  different
• 45:38
  to
• 45:38
  what
• 45:38
  I
• 45:38
  did.
• 45:39
  You
• 45:39
  know,
• 45:39
  I
• 45:40
  actually
• 45:40
  think
• 45:41
  what
• 45:41
  would
• 45:41
  be
• 45:41
  higher
• 45:42
  risk
• 45:42
  for
• 45:42
  me
• 45:42
  would
• 45:43
  be
• 45:43
  going
• 45:43
  into
• 45:44
  a
• 45:44
  mortgage
• 45:45
  with
• 45:45
  my
• 45:45
  now
• 45:46
  boyfriend.
• 45:47
  That
• 45:47
  to
• 45:47
  me
• 45:48
  would
• 45:48
  feel
• 45:48
  more
• 45:48
  risky
• 45:49
  than
• 45:49
  what
• 45:49
  I
• 45:49
  did
• 45:50
  with
• 45:50
  my
• 45:50
  friend.
• 45:51
  It's
• 45:51
  totally
• 45:52
  different
• 45:52
  buying
• 45:53
  a
• 45:53
  house
• 45:53
  that
• 45:53
  you
• 45:53
  live
• 45:54
  in
• 45:54
  because
• 45:55
  also
• 45:55
  the
• 45:56
  stakes
• 45:56
  are
• 45:56
  higher
• 45:56
  in
• 45:56
  terms
• 45:57
  of
• 45:57
  the
• 45:57
  relationship
• 45:58
  doesn't
• 45:58
  work
• 45:58
  out.
• 45:58
  You
• 45:59
  probably
• 45:59
  have
• 45:59
  to
• 45:59
  sell
• 45:59
  the
• 45:59
  asset
• 46:00
  at
• 46:00
  a
• 46:00
  time
• 46:00
  that
• 46:00
  might
• 46:00
  not
• 46:00
  be
• 46:01
  ideal,
• 46:01
  blah,
• 46:01
  blah,
• 46:02
  blah.
• 46:02
  So
• 46:02
  for
• 46:02
  me,
• 46:03
  having
• 46:03
  that
• 46:03
  quite
• 46:03
  separate
• 46:04
  to
• 46:04
  my
• 46:04
  romantic
• 46:05
  life
• 46:06
  is
• 46:06
  great
• 46:07
  because
• 46:07
  I
• 46:07
  can
• 46:07
  be
• 46:07
  super
• 46:08
  strategic
• 46:08
  and
• 46:09
  numbers
• 46:09
  focused
• 46:10
  rather
• 46:10
  than
• 46:11
  romanticize.
• 46:12
  Like,
• 46:13
  I've
• 46:13
  only
• 46:13
  seen
• 46:13
  one
• 46:14
  of
• 46:14
  the
• 46:14
  two
• 46:14
  properties
• 46:14
  I
• 46:14
  own.
• 46:15
  You
• 46:15
  know,
• 46:15
  it's
• 46:16
  totally
• 46:16
  different.
• 46:16
  You
• 46:16
  don't.
• 46:17
  I
• 46:17
  don't
• 46:18
  need
• 46:18
  to
• 46:18
  see
• 46:18
  touch,
• 46:19
  feel,
• 46:19
  feel
• 46:19
  good
• 46:19
  in
• 46:20
  it,
• 46:20
  get
• 46:20
  a
• 46:20
  good
• 46:20
  vibe.
• 46:20
  You
• 46:21
  know,
• 46:21
  it's
• 46:21
  not
• 46:21
  about
• 46:21
  that.
• 46:22
  So
• 46:23
  in
• 46:23
  an
• 46:23
  ideal
• 46:24
  world,
• 46:24
  where
• 46:24
  would
• 46:25
  you
• 46:25
  like
• 46:25
  to
• 46:25
  land
• 46:26
  with
• 46:26
  the
• 46:26
  money
• 46:26
  side
• 46:27
  of
• 46:27
  things?
• 46:28
  You
• 46:28
  mentioned
• 46:28
  that
• 46:28
  you
• 46:28
  would
• 46:28
  like
• 46:29
  more
• 46:29
  investment
• 46:29
  properties
• 46:30
  and
• 46:30
  I'm
• 46:30
  assuming
• 46:31
  more
• 46:31
  share
• 46:31
  market
• 46:32
  investing
• 46:32
  too.
• 46:33
  You
• 46:33
  know,
• 46:33
  do
• 46:33
  you
• 46:33
  have
• 46:34
  an
• 46:34
  ideal
• 46:35
  number?
• 46:35
  Whether
• 46:36
  it's
• 46:36
  an
• 46:36
  ideal
• 46:36
  number
• 46:36
  of
• 46:37
  properties
• 46:37
  or
• 46:37
  an
• 46:37
  ideal
• 46:38
  amount
• 46:38
  invested,
• 46:39
  do
• 46:39
  you
• 46:40
  have
• 46:40
  those
• 46:40
  sorts
• 46:40
  of
• 46:40
  goals
• 46:41
  in
• 46:41
  mind?
• 46:42
  I
• 46:42
  find
• 46:42
  this
• 46:42
  one
• 46:42
  really
• 46:43
  hard
• 46:43
  because
• 46:43
  so
• 46:43
  much
• 46:44
  of
• 46:44
  the
• 46:44
  value
• 46:44
  or
• 46:45
  so
• 46:45
  much
• 46:45
  of
• 46:45
  my
• 46:45
  wealth
• 46:45
  is
• 46:45
  tied
• 46:46
  up
• 46:46
  in
• 46:46
  my
• 46:46
  business.
• 46:47
  And,
• 46:48
  you
• 46:48
  know,
• 46:48
  whether
• 46:48
  or
• 46:48
  not
• 46:49
  we
• 46:49
  sell
• 46:49
  that,
• 46:50
  whether
• 46:50
  or
• 46:50
  not
• 46:50
  we
• 46:50
  can
• 46:51
  pay
• 46:51
  ourselves,
• 46:51
  like
• 46:51
  all
• 46:52
  those
• 46:52
  things
• 46:52
  play
• 46:53
  a
• 46:53
  huge
• 46:53
  role
• 46:54
  in
• 46:54
  my
• 46:54
  potential
• 46:55
  future
• 46:55
  wealth
• 46:56
  trajectory.
• 46:57
  So,
• 46:58
  yes,
• 46:58
  I
• 46:59
  have
• 46:59
  goals
• 46:59
  around
• 46:59
  how
• 47:00
  much
• 47:00
  I
• 47:00
  want
• 47:00
  to
• 47:00
  invest
• 47:00
  in
• 47:01
  the
• 47:01
  stock
• 47:01
  market.
• 47:01
  And
• 47:02
  yes,
• 47:02
  I
• 47:02
  definitely
• 47:03
  want
• 47:03
  to
• 47:03
  become
• 47:03
  a
• 47:04
  property
• 47:04
  mogul.
• 47:04
  I
• 47:04
  want
• 47:05
  to
• 47:05
  have
• 47:05
  absolutely
• 47:06
  more
• 47:06
  properties.
• 47:07
  But
• 47:08
  that
• 47:08
  all
• 47:08
  could
• 47:09
  change
• 47:09
  very
• 47:09
  easily
• 47:10
  because
• 47:10
  for
• 47:11
  me,
• 47:11
  I'm
• 47:11
  betting
• 47:12
  my
• 47:12
  wealth
• 47:12
  through
• 47:12
  my
• 47:12
  business,
• 47:13
  which
• 47:13
  is
• 47:14
  something
• 47:14
  that
• 47:15
  is
• 47:16
  really
• 47:16
  hard
• 47:16
  to
• 47:17
  put
• 47:18
  too
• 47:18
  many
• 47:18
  parameters
• 47:19
  around.
• 47:19
  So
• 47:19
  when
• 47:19
  I
• 47:19
  make
• 47:20
  my
• 47:20
  financial
• 47:20
  goals,
• 47:21
  there's
• 47:21
  almost
• 47:21
  like
• 47:22
  the
• 47:22
  dream
• 47:22
  scenario
• 47:23
  which
• 47:23
  is
• 47:23
  dependent
• 47:24
  on
• 47:25
  my
• 47:25
  business
• 47:25
  on
• 47:26
  the
• 47:26
  curve.
• 47:26
  And
• 47:27
  then
• 47:27
  there's
• 47:27
  the
• 47:27
  one
• 47:27
  that
• 47:28
  doesn't
• 47:28
  think
• 47:28
  about
• 47:28
  that
• 47:29
  I
• 47:29
  don't
• 47:30
  have
• 47:30
  right
• 47:30
  now,
• 47:30
  like
• 47:31
  my
• 47:31
  number
• 47:31
  sorted
• 47:32
  or
• 47:32
  the
• 47:32
  amount
• 47:33
  I'm
• 47:33
  trying
• 47:33
  to
• 47:33
  get
• 47:33
  to.
• 47:34
  I
• 47:34
  find
• 47:36
  that
• 47:36
  I
• 47:36
  think
• 47:36
  that
• 47:36
  would
• 47:37
  be
• 47:37
  really
• 47:37
  helpful
• 47:37
  for
• 47:37
  me.
• 47:38
  And
• 47:38
  I
• 47:38
  think
• 47:38
  that
• 47:38
  having
• 47:39
  sort
• 47:39
  of
• 47:39
  a
• 47:39
  big
• 47:40
  final
• 47:40
  destination
• 47:40
  that
• 47:41
  I'm
• 47:41
  trying
• 47:41
  to
• 47:41
  get
• 47:41
  to
• 47:41
  would
• 47:41
  be
• 47:42
  really
• 47:42
  motivating.
• 47:43
  But
• 47:43
  right
• 47:44
  now
• 47:44
  I
• 47:44
  don't
• 47:44
  have
• 47:44
  that.
• 47:45
  Yeah,
• 47:45
  I
• 47:45
  think
• 47:45
  that's
• 47:46
  honest
• 47:46
  though.
• 47:47
  It's
• 47:47
  good.
• 47:47
  And
• 47:48
  it's
• 47:48
  funny
• 47:48
  because
• 47:48
  people
• 47:49
  ask
• 47:49
  me
• 47:49
  that
• 47:49
  all
• 47:49
  the
• 47:49
  time.
• 47:50
  I
• 47:50
  also
• 47:50
  don't
• 47:50
  have
• 47:50
  a
• 47:51
  final
• 47:51
  number.
• 47:52
  Really?
• 47:52
  That's
• 47:52
  what
• 47:52
  I
• 47:53
  was
• 47:53
  gonna
• 47:53
  ask
• 47:53
  you.
• 47:53
  Yeah.
• 47:54
  Good
• 47:54
  to
• 47:54
  know.
• 47:55
  Yeah.
• 47:55
  Spoiler
• 47:55
  alert.
• 47:58
  I
• 47:58
  just,
• 47:58
  I
• 47:58
  kind
• 47:59
  of,
• 47:59
  I'm
• 48:00
  so
• 48:00
  loosey
• 48:00
  goosey
• 48:01
  about
• 48:01
  things
• 48:01
  that
• 48:01
  I'm
• 48:01
  like,
• 48:01
  oh,
• 48:02
  we'll
• 48:02
  vibes
• 48:03
  through
• 48:03
  it.
• 48:03
  But
• 48:05
  it's
• 48:06
  very
• 48:06
  much,
• 48:07
  I
• 48:07
  think
• 48:07
  you
• 48:07
  kind
• 48:07
  of
• 48:08
  instinctively
• 48:08
  can
• 48:08
  know
• 48:09
  sometimes
• 48:09
  when
• 48:09
  enough
• 48:09
  is
• 48:10
  enough.
• 48:11
  And
• 48:11
  I
• 48:11
  think
• 48:11
  you
• 48:11
  don't
• 48:11
  always
• 48:12
  know
• 48:12
  until
• 48:12
  you
• 48:12
  hit
• 48:12
  it.
• 48:13
  So
• 48:13
  it's,
• 48:13
  it's
• 48:13
  kind
• 48:13
  of
• 48:14
  good
• 48:14
  to
• 48:14
  stay
• 48:14
  open
• 48:14
  minded
• 48:15
  to
• 48:15
  that,
• 48:16
  mentioning
• 48:16
  the
• 48:16
  business
• 48:17
  because
• 48:17
  that
• 48:17
  is
• 48:17
  a
• 48:17
  huge
• 48:17
  one.
• 48:18
  You
• 48:18
  know,
• 48:18
  I
• 48:19
  talk
• 48:19
  a
• 48:19
  lot
• 48:19
  about
• 48:20
  increasing
• 48:20
  income
• 48:20
  in
• 48:21
  order
• 48:21
  to
• 48:22
  create
• 48:22
  these
• 48:22
  opportunities
• 48:23
  elsewhere.
• 48:24
  A
• 48:24
  business
• 48:24
  is
• 48:24
  an
• 48:24
  amazing
• 48:25
  one
• 48:25
  for
• 48:25
  that,
• 48:25
  whether
• 48:26
  it's
• 48:26
  income
• 48:26
  in
• 48:26
  the
• 48:26
  hand
• 48:27
  now
• 48:27
  or
• 48:27
  you're
• 48:27
  building
• 48:27
  an
• 48:28
  asset
• 48:28
  for
• 48:28
  the
• 48:28
  future.
• 48:28
  Right.
• 48:29
  And
• 48:29
  again,
• 48:30
  you
• 48:30
  chose
• 48:30
  to
• 48:30
  build
• 48:31
  your
• 48:31
  business
• 48:31
  with
• 48:31
  a
• 48:32
  friend,
• 48:32
  which
• 48:32
  I
• 48:32
  think
• 48:33
  is
• 48:33
  bold,
• 48:33
  but
• 48:33
  I
• 48:34
  love
• 48:34
  it.
• 48:34
  What's
• 48:35
  it
• 48:35
  like
• 48:35
  running
• 48:36
  the
• 48:36
  curve
• 48:37
  alongside
• 48:37
  Vic?
• 48:38
  You
• 48:38
  were
• 48:39
  friends
• 48:39
  before
• 48:40
  the
• 48:40
  business,
• 48:40
  right?
• 48:42
  So
• 48:42
  did
• 48:42
  you
• 48:42
  have
• 48:42
  to
• 48:42
  put
• 48:43
  in
• 48:43
  boundaries
• 48:44
  as
• 48:44
  the
• 48:44
  business
• 48:44
  progressed?
• 48:45
  Like,
• 48:45
  how
• 48:45
  do
• 48:45
  you
• 48:45
  preserve
• 48:46
  both
• 48:46
  the
• 48:46
  friendship
• 48:47
  and
• 48:47
  the
• 48:47
  business
• 48:47
  relationship?
• 48:48
  Oh,
• 48:48
  it's
• 48:49
  so
• 48:49
  hard.
• 48:49
  I
• 48:50
  think
• 48:50
  when
• 48:51
  the
• 48:51
  curve
• 48:51
  started,
• 48:52
  we
• 48:52
  were
• 48:53
  babies.
• 48:53
  We
• 48:54
  didn't
• 48:54
  know.
• 48:55
  I
• 48:55
  mean,
• 48:55
  I
• 48:55
  personally
• 48:56
  didn't
• 48:56
  know
• 48:57
  anything
• 48:57
  about
• 48:57
  business.
• 48:58
  I
• 48:58
  didn't
• 48:58
  know
• 48:58
  anything
• 48:59
  about
• 48:59
  what
• 48:59
  an
• 48:59
  ideal
• 48:59
  business
• 49:00
  partner
• 49:00
  looked
• 49:00
  like.
• 49:01
  I
• 49:01
  didn't
• 49:01
  know.
• 49:01
  I
• 49:01
  had
• 49:02
  no
• 49:02
  idea.
• 49:03
  So
• 49:03
  I
• 49:03
  went
• 49:03
  in
• 49:03
  really
• 49:03
  blind.
• 49:04
  I
• 49:04
  do
• 49:04
  think
• 49:04
  that
• 49:05
  for
• 49:05
  us
• 49:05
  a
• 49:06
  challenge
• 49:06
  has
• 49:06
  been.
• 49:06
  We've
• 49:07
  worked
• 49:07
  in
• 49:07
  different,
• 49:08
  completely
• 49:09
  different
• 49:09
  industries.
• 49:09
  You
• 49:10
  know,
• 49:10
  like
• 49:10
  she's
• 49:10
  from
• 49:10
  the
• 49:10
  finance
• 49:11
  world,
• 49:11
  which
• 49:11
  is
• 49:11
  like
• 49:12
  so
• 49:12
  cut
• 49:13
  and
• 49:13
  dry,
• 49:13
  so
• 49:13
  black
• 49:14
  and
• 49:14
  white.
• 49:14
  I'm
• 49:15
  from
• 49:15
  the
• 49:15
  creative
• 49:16
  production,
• 49:17
  you
• 49:17
  know,
• 49:17
  content
• 49:18
  show,
• 49:19
  like
• 49:19
  completely
• 49:19
  different,
• 49:20
  which
• 49:20
  is
• 49:20
  the
• 49:21
  opposite
• 49:21
  of
• 49:21
  that.
• 49:21
  It's
• 49:22
  collaborative,
• 49:23
  it's
• 49:23
  creative,
• 49:24
  it's
• 49:24
  loose,
• 49:24
  it's,
• 49:25
  you
• 49:25
  know,
• 49:25
  so
• 49:26
  there's
• 49:26
  definitely
• 49:26
  been
• 49:27
  a,
• 49:27
  like
• 49:27
  us
• 49:27
  trying
• 49:28
  to
• 49:28
  meet
• 49:28
  in
• 49:28
  the
• 49:28
  middle
• 49:29
  in
• 49:29
  Terms
• 49:29
  of
• 49:29
  me
• 49:29
  being
• 49:30
  more
• 49:30
  strict,
• 49:30
  her
• 49:30
  being
• 49:30
  more
• 49:31
  fluid,
• 49:31
  you
• 49:31
  know,
• 49:32
  is
• 49:32
  just
• 49:32
  coming
• 49:32
  down
• 49:32
  to
• 49:32
  figuring
• 49:33
  out
• 49:33
  what
• 49:33
  each
• 49:33
  other
• 49:33
  need
• 49:33
  and
• 49:34
  being
• 49:34
  able
• 49:34
  to
• 49:34
  respect
• 49:34
  that.
• 49:35
  Now
• 49:35
  that
• 49:35
  I've
• 49:36
  looked
• 49:36
  at
• 49:36
  so
• 49:36
  many
• 49:36
  different
• 49:37
  businesses
• 49:37
  and
• 49:38
  business
• 49:38
  partnerships,
• 49:39
  I
• 49:40
  think
• 49:40
  a
• 49:40
  common
• 49:40
  thread
• 49:41
  and
• 49:41
  something
• 49:41
  that
• 49:43
  when
• 49:43
  I,
• 49:43
  in
• 49:44
  the,
• 49:44
  you
• 49:45
  know,
• 49:45
  very
• 49:45
  distant
• 49:46
  future,
• 49:46
  start
• 49:47
  a
• 49:47
  different
• 49:47
  business,
• 49:47
  which
• 49:48
  I'm
• 49:48
  sure
• 49:48
  I
• 49:48
  will
• 49:48
  one
• 49:48
  day,
• 49:49
  I
• 49:49
  think
• 49:50
  a
• 49:50
  really
• 49:50
  good
• 49:50
  starting
• 49:51
  point
• 49:51
  for
• 49:51
  finding
• 49:51
  a
• 49:52
  business
• 49:52
  partner
• 49:52
  that
• 49:53
  is
• 49:53
  probably
• 49:54
  because
• 49:54
  it's
• 49:54
  always
• 49:55
  going
• 49:55
  to
• 49:55
  be
• 49:55
  difficult
• 49:55
  being
• 49:56
  in
• 49:56
  business
• 49:56
  with
• 49:56
  someone
• 49:57
  like.
• 49:57
  And
• 49:57
  I
• 49:58
  think
• 49:58
  for
• 49:58
  anyone
• 49:58
  that
• 49:58
  doesn't
• 49:59
  know
• 49:59
  that,
• 49:59
  it's
• 49:59
  because
• 49:59
  you've
• 50:00
  never
• 50:00
  experienced
• 50:00
  it.
• 50:01
  It's.
• 50:01
  It's
• 50:01
  kind
• 50:01
  of
• 50:02
  like
• 50:02
  assuming
• 50:03
  that
• 50:03
  a
• 50:03
  relationship
• 50:04
  has
• 50:04
  no
• 50:05
  bumps
• 50:05
  in
• 50:05
  the
• 50:06
  road
• 50:06
  romantically.
• 50:07
  It's
• 50:07
  like,
• 50:08
  life's
• 50:08
  hard,
• 50:08
  work's
• 50:09
  hard,
• 50:09
  we're
• 50:09
  stressed.
• 50:10
  We
• 50:10
  have
• 50:10
  a
• 50:10
  huge
• 50:11
  amount
• 50:11
  of
• 50:11
  pressure
• 50:11
  on
• 50:11
  us.
• 50:12
  So
• 50:12
  it's
• 50:12
  not.
• 50:13
  We're
• 50:13
  not
• 50:13
  sitting
• 50:13
  there,
• 50:14
  like,
• 50:14
  laughing
• 50:14
  every
• 50:14
  five
• 50:15
  seconds.
• 50:15
  It's,
• 50:16
  you
• 50:16
  know,
• 50:16
  it's
• 50:16
  like
• 50:17
  there's
• 50:17
  a
• 50:17
  lot
• 50:17
  going
• 50:17
  on.
• 50:18
  But
• 50:19
  I
• 50:19
  think
• 50:19
  that
• 50:19
  having
• 50:20
  worked
• 50:20
  with
• 50:20
  someone
• 50:20
  before
• 50:21
  you
• 50:21
  go
• 50:21
  into
• 50:21
  business
• 50:21
  with
• 50:22
  them
• 50:22
  is
• 50:22
  a
• 50:22
  really
• 50:22
  good
• 50:23
  starting
• 50:23
  point.
• 50:23
  Like,
• 50:23
  if
• 50:24
  you
• 50:24
  look
• 50:24
  at
• 50:24
  the
• 50:24
  Shameless
• 50:25
  girls,
• 50:26
  they
• 50:26
  worked
• 50:27
  together
• 50:27
  in
• 50:27
  Mamma
• 50:28
  Mia.
• 50:28
  Before
• 50:28
  they
• 50:29
  started
• 50:29
  Shameless.
• 50:31
  And
• 50:31
  so
• 50:31
  I
• 50:31
  think
• 50:31
  when
• 50:31
  you
• 50:31
  know
• 50:32
  how
• 50:32
  someone
• 50:32
  works,
• 50:33
  it's
• 50:33
  a
• 50:33
  really
• 50:33
  good
• 50:34
  starting
• 50:34
  point.
• 50:34
  We
• 50:35
  didn't
• 50:35
  have
• 50:35
  that
• 50:35
  foundation,
• 50:36
  so
• 50:36
  we
• 50:36
  had
• 50:37
  to
• 50:37
  figure
• 50:37
  that
• 50:37
  out
• 50:37
  along
• 50:37
  the
• 50:37
  way.
• 50:38
  Well,
• 50:38
  speaking
• 50:38
  of
• 50:38
  Shameless,
• 50:39
  I
• 50:39
  remember
• 50:39
  I.
• 50:40
  They
• 50:40
  mentioned
• 50:40
  at
• 50:40
  one
• 50:41
  point
• 50:41
  on
• 50:41
  the
• 50:41
  podcast
• 50:43
  that
• 50:43
  they
• 50:43
  don't
• 50:44
  talk
• 50:44
  to
• 50:44
  each
• 50:44
  other
• 50:44
  on
• 50:45
  weekends
• 50:46
  to
• 50:46
  give
• 50:46
  themselves
• 50:47
  a
• 50:47
  little
• 50:47
  break.
• 50:48
  Do
• 50:48
  you
• 50:48
  do
• 50:48
  anything
• 50:49
  like
• 50:49
  that?
• 50:49
  Yeah,
• 50:50
  I
• 50:50
  mean,
• 50:50
  we.
• 50:50
  We've
• 50:50
  just
• 50:51
  spent
• 50:51
  so
• 50:51
  much
• 50:52
  time
• 50:52
  together
• 50:52
  now
• 50:52
  that
• 50:53
  we
• 50:53
  don't
• 50:53
  hang
• 50:53
  out
• 50:54
  that
• 50:54
  much
• 50:55
  unless
• 50:55
  it's
• 50:55
  with
• 50:55
  a
• 50:55
  group
• 50:56
  of
• 50:56
  friends,
• 50:57
  because
• 50:57
  we've
• 50:58
  got
• 50:58
  a
• 50:58
  lot
• 50:58
  of
• 50:58
  mutual
• 50:58
  friends.
• 50:59
  It's
• 51:00
  more
• 51:00
  just
• 51:00
  like,
• 51:00
  so
• 51:01
  easy
• 51:01
  to
• 51:01
  revert
• 51:01
  to
• 51:01
  talking
• 51:02
  about
• 51:02
  work.
• 51:02
  You
• 51:03
  know,
• 51:03
  Our
• 51:04
  relationship
• 51:04
  has
• 51:04
  changed
• 51:05
  so
• 51:05
  much.
• 51:07
  What,
• 51:07
  we
• 51:07
  started
• 51:07
  as
• 51:08
  friends
• 51:08
  and
• 51:08
  then
• 51:08
  turned
• 51:08
  business
• 51:09
  partners.
• 51:09
  We're
• 51:09
  now
• 51:10
  very
• 51:10
  much
• 51:10
  business
• 51:10
  partners
• 51:11
  and
• 51:11
  friends.
• 51:11
  But
• 51:12
  it's
• 51:12
  like
• 51:12
  the
• 51:12
  business
• 51:13
  is
• 51:13
  what
• 51:13
  we've
• 51:13
  prioritized
• 51:14
  because
• 51:15
  we
• 51:15
  can't
• 51:15
  help
• 51:16
  the
• 51:16
  fact
• 51:16
  that
• 51:16
  we
• 51:16
  have
• 51:17
  to
• 51:17
  spend
• 51:17
  so
• 51:17
  much
• 51:18
  time
• 51:18
  together
• 51:18
  and
• 51:19
  work.
• 51:19
  But
• 51:19
  what
• 51:20
  we
• 51:20
  can
• 51:20
  change
• 51:20
  is
• 51:21
  outside
• 51:21
  of
• 51:21
  work.
• 51:22
  And
• 51:22
  honestly,
• 51:23
  it
• 51:23
  does
• 51:23
  sometimes
• 51:24
  otherwise
• 51:24
  feel
• 51:24
  like
• 51:25
  you're
• 51:25
  working
• 51:26
  all
• 51:26
  the
• 51:26
  time.
• 51:26
  Because
• 51:26
  also
• 51:27
  our
• 51:27
  friendship
• 51:28
  is
• 51:28
  the
• 51:28
  podcast,
• 51:29
  which
• 51:30
  is
• 51:30
  also
• 51:31
  work.
• 51:31
  Do
• 51:31
  you
• 51:31
  know
• 51:31
  what
• 51:32
  I
• 51:32
  mean?
• 51:32
  So
• 51:32
  it's
• 51:32
  like,
• 51:33
  yeah,
• 51:33
  it's
• 51:34
  a
• 51:34
  complicated
• 51:34
  one.
• 51:34
  I
• 51:35
  think
• 51:35
  for
• 51:35
  us,
• 51:35
  what
• 51:35
  works
• 51:36
  best
• 51:36
  is
• 51:36
  hanging.
• 51:37
  Like,
• 51:37
  I
• 51:37
  had
• 51:37
  a
• 51:37
  dinner
• 51:37
  party
• 51:38
  at
• 51:38
  mine
• 51:38
  at
• 51:38
  the
• 51:38
  end
• 51:38
  of
• 51:39
  last
• 51:39
  year
• 51:39
  and
• 51:39
  I
• 51:40
  invited
• 51:40
  four
• 51:40
  friends
• 51:41
  that
• 51:41
  we're
• 51:41
  both
• 51:41
  really
• 51:41
  good
• 51:42
  friends
• 51:42
  with.
• 51:42
  And
• 51:42
  that
• 51:42
  was
• 51:43
  so
• 51:43
  lovely
• 51:44
  because
• 51:44
  we
• 51:45
  can
• 51:45
  just
• 51:45
  talk
• 51:45
  about
• 51:46
  normal
• 51:46
  stuff.
• 51:47
  It's
• 51:47
  not
• 51:48
  anywhere
• 51:49
  near
• 51:49
  the
• 51:49
  curve,
• 51:50
  you
• 51:50
  know.
• 51:50
  And
• 51:51
  I
• 51:51
  think
• 51:51
  for
• 51:52
  Vic
• 51:52
  and
• 51:52
  I,
• 51:52
  we're
• 51:52
  both
• 51:53
  very
• 51:53
  all
• 51:53
  consuming
• 51:54
  in
• 51:54
  terms
• 51:54
  of
• 51:54
  work.
• 51:55
  We
• 51:55
  both
• 51:55
  work
• 51:56
  ridiculous
• 51:56
  hours
• 51:57
  and
• 51:57
  we're
• 51:57
  really
• 51:57
  obsessed
• 51:58
  with
• 51:59
  making
• 51:59
  the
• 52:00
  business
• 52:00
  as
• 52:00
  good
• 52:00
  as
• 52:01
  it
• 52:01
  can
• 52:01
  be.
• 52:01
  And
• 52:02
  I
• 52:02
  think
• 52:02
  that
• 52:03
  with.
• 52:03
  That
• 52:03
  means
• 52:04
  we're
• 52:04
  not
• 52:04
  great
• 52:04
  with
• 52:05
  our
• 52:05
  own
• 52:05
  boundaries
• 52:06
  anyway
• 52:07
  in
• 52:07
  terms
• 52:07
  of
• 52:08
  work
• 52:08
  life
• 52:08
  boundaries.
• 52:09
  I'm
• 52:09
  trying
• 52:09
  so
• 52:10
  hard
• 52:10
  to
• 52:10
  be
• 52:10
  better
• 52:10
  at
• 52:10
  it,
• 52:11
  but
• 52:11
  one
• 52:11
  thing
• 52:11
  that
• 52:12
  we
• 52:12
  can
• 52:12
  do
• 52:13
  is
• 52:14
  have,
• 52:14
  you
• 52:14
  know,
• 52:14
  like
• 52:15
  separate
• 52:15
  work
• 52:15
  and
• 52:15
  friendship
• 52:16
  chat.
• 52:16
  So
• 52:16
  like
• 52:18
  we've,
• 52:18
  we've
• 52:18
  done
• 52:19
  things
• 52:19
  like
• 52:19
  we've
• 52:19
  got
• 52:19
  now
• 52:20
  slack
• 52:20
  for
• 52:20
  our
• 52:20
  work
• 52:21
  chat
• 52:21
  rather
• 52:21
  than
• 52:21
  having
• 52:22
  WhatsApp,
• 52:22
  you
• 52:22
  know,
• 52:22
  it
• 52:22
  was
• 52:23
  sort
• 52:23
  of
• 52:23
  being
• 52:23
  like,
• 52:23
  hey,
• 52:23
  what
• 52:24
  are
• 52:24
  you
• 52:24
  doing
• 52:24
  on
• 52:24
  Saturday?
• 52:24
  To
• 52:25
  like,
• 52:25
  can
• 52:25
  you
• 52:25
  send
• 52:25
  me
• 52:25
  this
• 52:25
  blah,
• 52:26
  blah,
• 52:26
  you
• 52:26
  know,
• 52:26
  and
• 52:26
  that's
• 52:27
  really
• 52:27
  confusing.
• 52:27
  So
• 52:27
  I
• 52:27
  think
• 52:28
  separating
• 52:28
  out
• 52:28
  comms
• 52:29
  was
• 52:29
  really
• 52:29
  helpful.
• 52:30
  The
• 52:30
  team
• 52:30
  is
• 52:31
  also
• 52:31
  growing,
• 52:31
  so
• 52:31
  it's
• 52:32
  not
• 52:32
  just
• 52:32
  Vic
• 52:32
  and
• 52:32
  I
• 52:33
  anymore.
• 52:33
  And
• 52:33
  that's
• 52:33
  also
• 52:34
  changed
• 52:34
  the
• 52:34
  dynamic.
• 52:35
  So
• 52:35
  it's
• 52:35
  quite
• 52:35
  clear
• 52:35
  on
• 52:35
  who
• 52:36
  does
• 52:36
  what,
• 52:36
  which
• 52:36
  I
• 52:36
  think
• 52:36
  is
• 52:37
  actually
• 52:37
  probably
• 52:38
  helped
• 52:38
  in
• 52:38
  terms
• 52:38
  of
• 52:39
  the
• 52:39
  more
• 52:40
  that
• 52:40
  we
• 52:40
  free
• 52:40
  up
• 52:41
  and
• 52:41
  kind
• 52:41
  of
• 52:41
  actually
• 52:41
  as
• 52:42
  the
• 52:42
  business
• 52:42
  grows
• 52:42
  and
• 52:43
  our
• 52:43
  jobs
• 52:43
  start
• 52:43
  to
• 52:44
  become
• 52:44
  slightly
• 52:45
  less
• 52:45
  intertwined,
• 52:46
  I
• 52:46
  would
• 52:47
  say
• 52:47
  we'll
• 52:47
  slowly
• 52:48
  build
• 52:48
  back
• 52:49
  up
• 52:49
  more
• 52:50
  time
• 52:50
  outside
• 52:50
  of
• 52:50
  work.
• 52:52
  If
• 52:52
  you
• 52:52
  could
• 52:52
  go
• 52:52
  back
• 52:52
  and
• 52:53
  talk
• 52:53
  to
• 52:53
  your
• 52:54
  younger
• 52:54
  self,
• 52:55
  do
• 52:55
  you
• 52:55
  think
• 52:55
  she'd
• 52:55
  be
• 52:55
  surprised
• 52:56
  at
• 52:56
  where
• 52:56
  you've
• 52:56
  ended
• 52:57
  up?
• 52:57
  It
• 52:57
  would
• 52:58
  be.
• 52:58
  She'd
• 52:58
  fall
• 52:58
  off
• 52:58
  her
• 52:59
  chair
• 52:59
  laughing.
• 53:00
  Especially
• 53:01
  if
• 53:01
  the
• 53:01
  content
• 53:01
  that
• 53:02
  she's
• 53:02
  creating
• 53:02
  is
• 53:03
  for
• 53:03
  money.
• 53:05
  I
• 53:05
  think
• 53:05
  mainly
• 53:06
  she'd
• 53:06
  be
• 53:06
  surprised
• 53:07
  because
• 53:08
  my
• 53:08
  perception
• 53:08
  of
• 53:08
  money
• 53:08
  used
• 53:09
  to
• 53:09
  be
• 53:10
  I,
• 53:10
  I'm
• 53:10
  a
• 53:11
  creative.
• 53:11
  So
• 53:11
  like,
• 53:11
  I
• 53:12
  don't
• 53:12
  care
• 53:12
  about
• 53:12
  money.
• 53:13
  I'm
• 53:13
  not
• 53:13
  materialistic.
• 53:14
  I
• 53:14
  don't
• 53:14
  need
• 53:14
  to
• 53:14
  worry
• 53:15
  about
• 53:15
  finance
• 53:15
  and
• 53:15
  budgeting.
• 53:17
  Like,
• 53:17
  how
• 53:17
  sad
• 53:18
  that
• 53:18
  that's
• 53:18
  the
• 53:18
  rhetoric
• 53:19
  that
• 53:19
  we've
• 53:20
  all
• 53:20
  had.
• 53:20
  Because
• 53:21
  creativity
• 53:22
  and
• 53:22
  being
• 53:23
  financially
• 53:23
  astute
• 53:23
  are
• 53:24
  not
• 53:24
  mutually
• 53:24
  exclusive.
• 53:25
  They
• 53:25
  can
• 53:26
  exist
• 53:26
  together
• 53:26
  and
• 53:26
  they
• 53:27
  should
• 53:27
  exist
• 53:27
  together.
• 53:28
  And
• 53:28
  there'd
• 53:28
  probably
• 53:28
  be
• 53:28
  more
• 53:29
  creativity
• 53:29
  if
• 53:29
  they
• 53:29
  existed
• 53:30
  together.
• 53:30
  If
• 53:31
  I
• 53:31
  spoken
• 53:32
  to
• 53:32
  my
• 53:32
  younger
• 53:32
  self
• 53:32
  saying
• 53:32
  what
• 53:33
  I
• 53:33
  would
• 53:33
  be
• 53:33
  creating
• 53:33
  content
• 53:34
  about,
• 53:34
  I
• 53:34
  would
• 53:34
  have
• 53:34
  been
• 53:35
  judgmental
• 53:35
  and
• 53:35
  I
• 53:36
  would
• 53:36
  have
• 53:36
  said
• 53:37
  that's
• 53:37
  a
• 53:37
  bit
• 53:37
  icky.
• 53:38
  Like,
• 53:38
  why
• 53:38
  are
• 53:39
  you
• 53:39
  talking
• 53:39
  or
• 53:39
  learning
• 53:40
  about
• 53:40
  money
• 53:40
  or
• 53:40
  credit?
• 53:41
  Like,
• 53:41
  you
• 53:42
  don't
• 53:42
  care
• 53:42
  about
• 53:42
  that
• 53:42
  stuff.
• 53:43
  And
• 53:44
  I
• 53:44
  just
• 53:44
  did
• 53:44
  myself
• 53:44
  such
• 53:45
  a
• 53:45
  disservice
• 53:45
  by
• 53:46
  thinking
• 53:47
  that
• 53:47
  because
• 53:48
  I
• 53:48
  think
• 53:49
  it
• 53:49
  prevented
• 53:49
  me
• 53:49
  from
• 53:50
  looking
• 53:50
  at
• 53:50
  my
• 53:50
  finances
• 53:51
  sooner.
• 53:51
  Well,
• 53:52
  we're
• 53:52
  pretty
• 53:52
  much
• 53:52
  out
• 53:52
  of
• 53:52
  time.
• 53:53
  But
• 53:53
  where
• 53:53
  can
• 53:54
  people
• 53:54
  find
• 53:54
  you?
• 53:54
  There's
• 53:54
  lots
• 53:55
  of
• 53:55
  places
• 53:55
  hit
• 53:55
  with
• 53:56
  all
• 53:56
  of
• 53:56
  them.
• 53:57
  We're
• 53:57
  spamming
• 53:58
  you
• 53:58
  on
• 53:58
  all
• 53:58
  fronts
• 53:59
  at
• 53:59
  the
• 53:59
  Curve
• 54:00
  platform,
• 54:00
  on
• 54:00
  socials
• 54:01
  like
• 54:01
  Instagram,
• 54:02
  TikTok,
• 54:02
  et
• 54:02
  cetera.
• 54:03
  TheCurvePlatform.com
• 54:04
  is
• 54:05
  our
• 54:05
  website
• 54:06
  and
• 54:06
  our
• 54:06
  podcast
• 54:07
  is
• 54:07
  the
• 54:07
  Curve
• 54:07
  Podcast.
• 54:08
  So
• 54:08
  yeah,
• 54:09
  we
• 54:09
  do
• 54:09
  two
• 54:09
  podcasts
• 54:10
  a
• 54:10
  week.
• 54:10
  One
• 54:10
  that's
• 54:10
  more
• 54:11
  interview
• 54:11
  style,
• 54:12
  speaking
• 54:12
  to
• 54:12
  amazing
• 54:13
  people
• 54:13
  like
• 54:13
  yourself
• 54:14
  and
• 54:14
  also
• 54:15
  focusing
• 54:15
  on
• 54:16
  like
• 54:16
  topics.
• 54:16
  So
• 54:17
  it
• 54:17
  might
• 54:17
  be
• 54:17
  what
• 54:17
  is
• 54:17
  your
• 54:17
  enough
• 54:18
  number
• 54:18
  or
• 54:19
  how
• 54:19
  do
• 54:19
  you
• 54:19
  diversify?
• 54:20
  So
• 54:20
  kind
• 54:21
  of
• 54:21
  focus
• 54:21
  topics.
• 54:21
  And
• 54:22
  then
• 54:22
  we
• 54:22
  have
• 54:22
  the
• 54:22
  Curve
• 54:22
  weekly,
• 54:23
  which
• 54:23
  is
• 54:23
  our
• 54:23
  news
• 54:23
  weekly
• 54:24
  news.
• 54:24
  So
• 54:24
  if
• 54:24
  you
• 54:24
  want
• 54:24
  to
• 54:25
  stay
• 54:25
  up
• 54:25
  to
• 54:25
  date
• 54:25
  with
• 54:26
  what's
• 54:26
  happening
• 54:26
  and
• 54:26
  feel
• 54:27
  kind
• 54:27
  of
• 54:27
  smart,
• 54:27
  but
• 54:27
  in
• 54:28
  a
• 54:28
  way
• 54:28
  that
• 54:28
  feels
• 54:28
  like
• 54:28
  you're
• 54:29
  learning
• 54:29
  with
• 54:29
  friends,
• 54:29
  then
• 54:30
  the
• 54:30
  Curve
• 54:30
  Podcast
• 54:31
  is
• 54:31
  a
• 54:31
  really
• 54:31
  good
• 54:31
  one.
• 54:32
  Love
• 54:32
  it
• 54:32
  so
• 54:32
  much.
• 54:32
  Sophie
• 54:33
  Horo,
• 54:33
  thank
• 54:33
  you
• 54:34
  so
• 54:34
  much
• 54:34
  for
• 54:34
  coming
• 54:34
  on
• 54:34
  Making
• 54:35
  Sense.
• 54:35
  Absolute
• 54:35
  delight
• 54:36
  chatting
• 54:36
  to
• 54:36
  you
• 54:36
  now.
• 54:37
  If
• 54:37
  this
• 54:37
  episode
• 54:37
  was
• 54:37
  helpful
• 54:38
  to
• 54:38
  you,
• 54:38
  send
• 54:38
  it
• 54:38
  to
• 54:38
  a
• 54:39
  friend.
• 54:39
  First
• 54:39
  and
• 54:39
  foremost,
• 54:39
  let's
• 54:40
  all
• 54:40
  level
• 54:40
  up
• 54:40
  with
• 54:40
  money
• 54:40
  together.
• 54:41
  Until
• 54:41
  next
• 54:42
  time,
• 54:42
  have
• 54:42
  a
• 54:42
  great
• 54:42
  day.
• 54:44
  This
• 54:45
  podcast
• 54:45
  can
• 54:45
  only
• 54:46
  give
• 54:46
  you
• 54:46
  general
• 54:46
  information
• 54:47
  about
• 54:47
  how
• 54:48
  things
• 54:48
  work
• 54:48
  in
• 54:48
  most
• 54:49
  situations.
• 54:50
  It's
• 54:50
  not
• 54:50
  individual
• 54:51
  financial
• 54:51
  advice.
• 54:52
  If
• 54:52
  you're
• 54:53
  after
• 54:53
  that,
• 54:53
  a
• 54:53
  financial
• 54:54
  advisor
• 54:54
  is
• 54:55
  always
• 54:55
  the
• 54:55
  best
• 54:56
  bet.