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FRIDAY DRINKS: Victoria wrote a book · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:17
  Speaker 2: Hello, and welcome to She's on the Money's Friday Drinks episode,
• 0:21
  Speaker 2: where ours millennials have a drink and talk about financial
• 0:24
  Speaker 2: freedom and our weeks. This week, guys, we heard an
• 0:28
  Speaker 2: epic money diary from our lifestyle creeper, which I promise
• 0:31
  Speaker 2: you if you listen to the episode, you'll know why
• 0:33
  Speaker 2: we're calling her that. It's not as rude as it sounds,
• 0:35
  Speaker 2: but it was an epic money story. Then on Wednesday,
• 0:39
  Speaker 2: Georgia and I talked through exactly how you should be
• 0:41
  Speaker 2: purchasing a car and what you shouldn't be doing when
• 0:44
  Speaker 2: trying to purchase a car with our friends from Superhero.
• 0:47
  Speaker 3: And now it is Friday and we're having a little
• 0:49
  Speaker 3: bit of ragino with Georgia King and Ryan John, but
• 0:53
  Speaker 3: not jessic Rici.
• 0:54
  Speaker 4: Where's jessic Ici?
• 0:55
  Speaker 5: Guy?
• 0:55
  Speaker 3: We made our seats, got the lurgy.
• 0:58
  Speaker 5: So Georgia got myself and Victoria sick, and now we
• 1:02
  Speaker 5: got Jess sick.
• 1:03
  Speaker 3: I just feel like it's going around. What goes around
• 1:05
  Speaker 3: comes around.
• 1:05
  Speaker 4: Absolutely, it's kind of beautiful.
• 1:07
  Speaker 2: I'm kind of sad Jess has never missed a Friday
• 1:10
  Speaker 2: Drinks episode.
• 1:12
  Speaker 5: She's getting slack.
• 1:13
  Speaker 2: Yeah, she's just really falling off the what is it
• 1:16
  Speaker 2: called off the band wagon?
• 1:18
  Speaker 5: Yeah, although she did call the name. She's like, I'm
• 1:19
  Speaker 5: so sorry, I can't make it.
• 1:22
  Speaker 2: I told her to go back to bed, and then
• 1:24
  Speaker 2: five seconds later I could see her popping up replying
• 1:26
  Speaker 2: to emails and I was like, I'm coming to your
• 1:28
  Speaker 2: house and taking She's like, no.
• 1:31
  Speaker 3: Please, don't make me less stressed if I do this.
• 1:34
  Speaker 5: So V has an exciting announcement. I've got some of
• 1:36
  Speaker 5: our favorite money wins of the week from the community
• 1:38
  Speaker 5: to share. But we're going to start with g because
• 1:41
  Speaker 5: I believe you're going to attempt to explain to meme.
• 1:45
  Speaker 3: From Ryan Johnson.
• 1:47
  Speaker 5: Realized good luck.
• 1:48
  Speaker 4: Yeah, thank you so much. Okay, So you guys may
• 1:51
  Speaker 4: have heard of that small interview took place a couple
• 1:53
  Speaker 4: of weeks ago. Megan Markle. I think her name was
• 1:56
  Speaker 4: Prince Harry or something like that. Yeah, yeah, something like
• 2:00
  Speaker 4: that anyway or something they do little Archie gorgeous Anyway,
• 2:07
  Speaker 4: you're too invested, way too invested. So there's this meme
• 2:10
  Speaker 4: of the gorgeous goddess that is Oprah Winfrey Queen. How
• 2:14
  Speaker 4: amazing was she in that interview, I just want to
• 2:17
  Speaker 4: eat her up. She looks amazing, better than ever anyway.
• 2:20
  Speaker 4: MEMI is one square Oprah with her hands out looking
• 2:24
  Speaker 4: like she's in pain, and the caption above that says
• 2:27
  Speaker 4: ten dollars plus three ninety nine delivery.
• 2:30
  Speaker 5: And she's in the pain. Wouldn't you'd be in pain?
• 2:34
  Speaker 4: And then the next square has Oprah looking intrigued and
• 2:38
  Speaker 4: quite interested and it says thirteen dollars ninety nine free delivery.
• 2:44
  Speaker 3: Right now we're talking.
• 2:47
  Speaker 4: Like that, so you know the gag here is that
• 2:49
  Speaker 4: we all get sucked in by free delivery when she's
• 2:52
  Speaker 4: getting wrong?
• 2:53
  Speaker 3: How you hold on? Does that make us more like Oprah?
• 2:56
  Speaker 3: Is that what that tells me?
• 2:57
  Speaker 5: We have to give away cars? Aha?
• 2:59
  Speaker 3: You get to everybody with the.
• 3:01
  Speaker 5: Car episode this week. I was waiting for that moment.
• 3:03
  Speaker 2: Yes, yeah, I'm really sorry. I actually don't have the
• 3:06
  Speaker 2: budget to give away cars.
• 3:07
  Speaker 5: But we could buy a whole heap of match the
• 3:09
  Speaker 5: car company gives it away and then op takes the credit.
• 3:12
  Speaker 3: We need to get.
• 3:13
  Speaker 2: Bigger so that we can give away cars on behalf
• 3:15
  Speaker 2: of other brands. In saying that last week we did
• 3:19
  Speaker 2: a job for Toyota. This week, we had a really
• 3:21
  Speaker 2: fun workshop where we actually got to meet a whole
• 3:23
  Speaker 2: heap of Sheese on the Money community members.
• 3:26
  Speaker 5: It was fun.
• 3:26
  Speaker 3: It was so fun, and we met so many people that.
• 3:29
  Speaker 2: Were like in our community from the very beginning, and
• 3:32
  Speaker 2: I think it was just really special.
• 3:33
  Speaker 5: We did. We did ask for a car at the end.
• 3:36
  Speaker 5: They did.
• 3:37
  Speaker 3: They said we could sit in it, and we did.
• 3:40
  Speaker 5: And they said we'd give it back. Yeah. Yeah.
• 3:43
  Speaker 3: They didn't even let me have the keys, so they
• 3:45
  Speaker 3: didn't trust me from the start.
• 3:48
  Speaker 2: Ryan, I want to know what your money wins of
• 3:51
  Speaker 2: the week's are.
• 3:53
  Speaker 5: Michelle, right, and I've there's a I don't know if
• 3:55
  Speaker 5: there's a thing, but there's a lot of smaller wins
• 3:57
  Speaker 5: this week. But sometimes it's the smaller ones that just.
• 3:59
  Speaker 3: Really agree make you really excited.
• 4:01
  Speaker 5: Ya, Michelle says, small win. I went to visit my
• 4:04
  Speaker 5: parents on the weekend and came home with a full
• 4:07
  Speaker 5: tub of my mum's homemade sausage rolls. Delicious. Yeah, money,
• 4:12
  Speaker 5: we lunch is sorted for the week in Michelle's and
• 4:15
  Speaker 5: we've talked about this before, those little lunches and coffees
• 4:17
  Speaker 5: at work, that stuff adds up. So to have a
• 4:19
  Speaker 5: whole week sordered well done.
• 4:20
  Speaker 3: Michelle rolls kind of like the og mums. They make
• 4:25
  Speaker 3: their best one.
• 4:25
  Speaker 5: Mum sausage rolls.
• 4:26
  Speaker 3: Yeah, Mum sausage rolls. They're the best kinds.
• 4:29
  Speaker 5: Caitlyn says, money win. I completed surveys online. You know
• 4:33
  Speaker 5: how some people can feel like their surveys and can
• 4:35
  Speaker 5: get vouchers and and bit of money in stuff. Yep,
• 4:38
  Speaker 5: So Caitlyn's been doing it for a while. And she
• 4:40
  Speaker 5: received a gift for being part of a study. And
• 4:41
  Speaker 5: she got a thirty dollars E gift card. She used
• 4:44
  Speaker 5: it to purchase Victoria's new book. She only had to
• 4:48
  Speaker 5: pay two dollars seventy for postage. Not only did I
• 4:50
  Speaker 5: help she had to.
• 4:51
  Speaker 3: Pay for postage.
• 4:52
  Speaker 5: Not only I mean she she would have seen that
• 4:55
  Speaker 5: meme from before and be like, oh, if only not
• 4:59
  Speaker 5: only did I help a UNI diversity with their study,
• 5:00
  Speaker 5: but I got a finance book for under three dollars.
• 5:03
  Speaker 3: That's a money win, huge money win.
• 5:05
  Speaker 5: Well, we've got Tara. My beautiful chickens are laying lots
• 5:10
  Speaker 5: of eggs at the moment, and I have swapped eggs
• 5:12
  Speaker 5: for fruit from a friends tree. Money win for both
• 5:14
  Speaker 5: of us. Yeah, I was going to say that the wholesome,
• 5:19
  Speaker 5: like swapping stuff with neighbors, just really like good, good feel.
• 5:24
  Speaker 2: My best friend's Steph is about to move out to
• 5:26
  Speaker 2: what I call the Sticks, which is really far away.
• 5:28
  Speaker 3: It's like an hour.
• 5:29
  Speaker 5: The Danny Loong Rangers is up there.
• 5:31
  Speaker 3: Yeah, it's in the Sticks.
• 5:33
  Speaker 2: She gets chickens with the house like they literally and
• 5:37
  Speaker 2: I can't wait for her to have a little veggie
• 5:39
  Speaker 2: patch in her chickens and I get to go visit Gorge.
• 5:41
  Speaker 5: That's so good, Laura says, money win. I got so
• 5:44
  Speaker 5: excited about Victoria's book launch that I told the family
• 5:49
  Speaker 5: group chat about zero point two seconds after his launch,
• 5:52
  Speaker 5: I said, guess what, Victoria's launching this book. And later
• 5:55
  Speaker 5: my dead my dad messaged me to say I've already
• 5:58
  Speaker 5: bought a copy of the book for you.
• 6:02
  Speaker 3: So sweet.
• 6:03
  Speaker 5: He's a sostom dad, says Laura. Should we get little
• 6:08
  Speaker 5: caps sttom dads. I'm a dad.
• 6:12
  Speaker 3: If she's on the money, yeah, c yeah, I like
• 6:14
  Speaker 3: it real cute.
• 6:15
  Speaker 5: Megan says, to wear it, You're a Sostom dad. Meghan says,
• 6:22
  Speaker 5: I went to Kmart and only came out with things
• 6:25
  Speaker 5: I went in there to buy.
• 6:27
  Speaker 3: That's a lie she made that.
• 6:29
  Speaker 2: No, no, no, that's not true. We all know that's
• 6:31
  Speaker 2: a fake money win.
• 6:32
  Speaker 5: I Megan, and she's a regular in the Facebook community.
• 6:35
  Speaker 5: She is true to her word.
• 6:37
  Speaker 3: I know they wouldn't line, but I would.
• 6:40
  Speaker 5: Emma says. Now, this is actually kind of a big
• 6:44
  Speaker 5: deal because of the courage it would take to do so.
• 6:47
  Speaker 5: I think. Emma says that she was on a casual
• 6:50
  Speaker 5: contract but pretty much working full time, so she like
• 6:54
  Speaker 5: mustered up the courage and went and had that chat
• 6:56
  Speaker 5: with her boss and said, I'm working full time hours.
• 6:58
  Speaker 5: I want the annual leave, the sea leave. I want
• 7:00
  Speaker 5: a full time, proper job. And I don't want my
• 7:03
  Speaker 5: pay to go down either. I want the same rate. Yeah.
• 7:06
  Speaker 5: And she went in there and she said, this is
• 7:08
  Speaker 5: why I deserve it, and this is why I'm bringing value,
• 7:10
  Speaker 5: and here's why it's good for the business. And she
• 7:11
  Speaker 5: presented her case and the boss said, you're right, here's
• 7:15
  Speaker 5: your contract. Em Well done, Emma, that's impressive. Megan says,
• 7:21
  Speaker 5: I just found out the other day that my healthcare
• 7:23
  Speaker 5: card entitles us to an energy rebate through our supplier.
• 7:27
  Speaker 5: Did you know this? No, we didn't, so a healthcare
• 7:29
  Speaker 5: card is like a healthcare card, but it's also it's
• 7:31
  Speaker 5: almost like a concession card for last year, so you
• 7:35
  Speaker 5: gets cheap train tickets.
• 7:37
  Speaker 3: Yeah, I knew that.
• 7:39
  Speaker 5: Part, and I always knew there was like some other stuff.
• 7:41
  Speaker 5: And she's like, I didn't really know. And I looked
• 7:43
  Speaker 5: into it and I told the energy provider that I'm
• 7:45
  Speaker 5: a healthcare card holder and blah blah blah, and they said, oh,
• 7:48
  Speaker 5: here's your rebate and you get a little discount.
• 7:50
  Speaker 2: Oh what you money win if you've got a healthcare card.
• 7:53
  Speaker 2: Check out what you can actually care for that?
• 7:55
  Speaker 5: And just in general, how many times do we hear
• 7:58
  Speaker 5: stories of I had no idea I was entitled too,
• 8:01
  Speaker 5: or I was able to do this just by looking
• 8:03
  Speaker 5: it up and double checking.
• 8:04
  Speaker 2: It's insane, insane the amount of stuff we missed purely
• 8:08
  Speaker 2: because we just don't know a bit.
• 8:10
  Speaker 5: Sad yep. And last one, this is from Kierley, and
• 8:14
  Speaker 5: Kearley is a regular commentary as well.
• 8:15
  Speaker 2: I feel like I feel like we do know the
• 8:18
  Speaker 2: regulars if their names come up. I might not know
• 8:20
  Speaker 2: you personally, but you best believe I know your comments.
• 8:24
  Speaker 5: I'm watching. I couldn't be bothered leaving my house to
• 8:27
  Speaker 5: go and buy some oat milk. I get you, So
• 8:30
  Speaker 5: I decided to make my own. What I made homemade
• 8:34
  Speaker 5: oat milk cost me ninety cents per liter.
• 8:37
  Speaker 3: What that's a money win to begin with?
• 8:39
  Speaker 5: How much does it cost when you I buy.
• 8:42
  Speaker 3: The bougie oatmelk. I'm a fan of minor figures.
• 8:45
  Speaker 2: Still, I still rate minor figures higher than I rate
• 8:48
  Speaker 2: any alcoholic their bridge and it's the.
• 8:51
  Speaker 3: Best in coffee. And that's like I feel as a leader.
• 8:55
  Speaker 2: Yeah, it is speno, but I've just got an addiction.
• 8:59
  Speaker 3: If you guys know how to help me overcome it.
• 9:01
  Speaker 4: It's weird though, because it just feels like it shouldn't
• 9:03
  Speaker 4: be expensive.
• 9:04
  Speaker 3: Oh that's what kure Lee is proving to us.
• 9:07
  Speaker 4: So we're all getting rolled.
• 9:08
  Speaker 5: So she says, for comparison, the oat milk she normally
• 9:16
  Speaker 5: buys is four dollars forty nine for a wait for it,
• 9:19
  Speaker 5: nine hundred and forty six milk containers.
• 9:23
  Speaker 2: She buys it as well, and we're being stowged on
• 9:25
  Speaker 2: our fifty or sixty year is.
• 9:27
  Speaker 5: That it works out? She's done the maths four dollars
• 9:29
  Speaker 5: seventy lead for her shot, which over the course of
• 9:32
  Speaker 5: twelve months, over the course of twelve months will save
• 9:34
  Speaker 5: her one hundred and seventy two dollars and thirty.
• 9:37
  Speaker 3: To six that's to that.
• 9:39
  Speaker 2: That's a very good money win. But do you know
• 9:40
  Speaker 2: how to make it a better money win? Transfer that
• 9:43
  Speaker 2: into your savings every week.
• 9:44
  Speaker 3: So that you actually capture those savings clever.
• 9:48
  Speaker 5: Excuse me? What? Remember how I said I'm doing a
• 9:53
  Speaker 5: long term money win. Yeah, I'm actually.
• 9:55
  Speaker 3: Let's do a check in. How's that going?
• 9:57
  Speaker 5: Ryan, I'm buying coffees.
• 10:00
  Speaker 3: I thought you weren't buying.
• 10:00
  Speaker 5: Well, that's the thing I am.
• 10:01
  Speaker 3: Now he's fallen off the bandwagon a little bit.
• 10:05
  Speaker 5: But because I set it up and automated it, still
• 10:08
  Speaker 5: five dollars every day that was going to be the
• 10:10
  Speaker 5: money I spent on coffees goes into my spaceship account
• 10:12
  Speaker 5: as up to a couple of hundred bucks and it's
• 10:13
  Speaker 5: sticking on quite well.
• 10:14
  Speaker 4: That is.
• 10:15
  Speaker 5: But you guys judged me on that. And then when
• 10:17
  Speaker 5: Kerley says I'm making long term oh great, I did.
• 10:20
  Speaker 5: But when Ryan does the same thing.
• 10:22
  Speaker 3: That's because we trust Kiraly And look what's happened, Georgia.
• 10:26
  Speaker 4: Will we write where we were we knew it wouldn't last.
• 10:30
  Speaker 3: Did a last note? We wanted it to where we roll.
• 10:32
  Speaker 5: Also, no, oh my god, what Georgia. Have a look
• 10:37
  Speaker 5: at my investment balance in spaceship and this is only
• 10:40
  Speaker 5: from five dollars a day of my coffee money. No
• 10:42
  Speaker 5: other money has been put in. Look at the top.
• 10:44
  Speaker 4: There is this private can I say, oh, okay, it's
• 10:47
  Speaker 4: seven hundred and fifty six dollars and eight cents if
• 10:50
  Speaker 4: you don't.
• 10:50
  Speaker 5: Mind, thank you very much, just.
• 10:52
  Speaker 4: From getting away five dollars a day.
• 10:55
  Speaker 5: I know I was supportive of Kily, but I feel
• 10:57
  Speaker 5: like I want to say sucked into her. I don't
• 10:58
  Speaker 5: know why I've decided it's a competition. And finally, Byanka
• 11:03
  Speaker 5: says she's had success with her budgeting since she's had
• 11:05
  Speaker 5: multiple bank accounts, which I know, V You've always liked
• 11:08
  Speaker 5: to recommend, so she can separate her savings, emergency fund
• 11:11
  Speaker 5: and every day spending. But the money win. She just
• 11:14
  Speaker 5: moved from NAB and A and Z. She moved all
• 11:16
  Speaker 5: her multiple accounts to upbank and is now saving a
• 11:19
  Speaker 5: stack on account fees so she no longer has to
• 11:22
  Speaker 5: pay for that. Well done. Now I know we've mentioned
• 11:25
  Speaker 5: it a few times. But Victoria has a new book out,
• 11:28
  Speaker 5: Georgia and I. Georgia and I are gonna interview. We're
• 11:30
  Speaker 5: gonna be like the yeah, oh you're going to eat
• 11:32
  Speaker 5: the press conference type people questions. I mean, for your sake,
• 11:39
  Speaker 5: I would not have thought so, Jenny, all right, we'll
• 11:44
  Speaker 5: get to that in just a moment. Welcome back to
• 11:51
  Speaker 5: Friday Drinks. We just realized that we mentioned Scott Morrison
• 11:56
  Speaker 5: and Jenny. We obviously cky, Jenny, you've got your head
• 11:59
  Speaker 5: screwed on. I just want to point out that even
• 12:01
  Speaker 5: though we've just like podcasts aren't live live, we usually
• 12:04
  Speaker 5: record this the night before or whatever. Are we assuming
• 12:07
  Speaker 5: he's still the PM by the time this podcast comes out?
• 12:10
  Speaker 3: Risky, What are we drinking?
• 12:12
  Speaker 5: Oh?
• 12:12
  Speaker 3: Of course, so to usually stuff. Are you going to
• 12:16
  Speaker 3: do it? I will not do it.
• 12:17
  Speaker 4: Justice, This one's for you, sture, Jessica ricci. So, tonight
• 12:21
  Speaker 4: we are drinking Matso's Broom Brewery ginger beer and it's alcoholics.
• 12:26
  Speaker 5: It's a bit naughty, fun delicious.
• 12:28
  Speaker 2: The team at Matsos actually sent us a very kind
• 12:31
  Speaker 2: care package so general that included a number of different drinks. Firstly,
• 12:35
  Speaker 2: we got the ginger beer. We also got a burry
• 12:37
  Speaker 2: one and then like a hard lemonade. So we've been
• 12:40
  Speaker 2: trying them out all week and I'm not gonna lie.
• 12:43
  Speaker 2: They're pretty good.
• 12:44
  Speaker 4: So many treats way better than a little fat land.
• 12:46
  Speaker 4: Did you guys ever get around that?
• 12:47
  Speaker 5: No? Yes, one.
• 12:51
  Speaker 3: Yeah.
• 12:52
  Speaker 5: They look like a bottle of Cordy or like a
• 12:54
  Speaker 5: sprite bottle.
• 12:55
  Speaker 2: My old housemate used to buy those way back when
• 12:58
  Speaker 2: we used to have raging Friday, Saturday.
• 13:00
  Speaker 3: And Sunday nights. And I just remember the smell of.
• 13:03
  Speaker 4: Them, the smell and the tears, like I cried every.
• 13:07
  Speaker 3: Time I break a little fat lamb. It is posient.
• 13:10
  Speaker 5: There's a photo of me at Cotterslow Beach with a
• 13:12
  Speaker 5: little fat lamb taped to my left hand and a
• 13:16
  Speaker 5: golf club taped to my right hand and we're playing
• 13:18
  Speaker 5: some sort of golf drinking game at two am on
• 13:20
  Speaker 5: the beach because the beach is like flooded with lights
• 13:22
  Speaker 5: through the night and stuff. Yeah, and no one won
• 13:25
  Speaker 5: that game. Everyone was a loser. So Victoria's got a
• 13:29
  Speaker 5: book out the first of all, congratulations, Like it's on
• 13:34
  Speaker 5: pre or re order.
• 13:35
  Speaker 3: I told everybody about it.
• 13:37
  Speaker 5: It's written.
• 13:37
  Speaker 2: Yeah, it's written, has a cover, it's really pretty. I'm
• 13:40
  Speaker 2: really excited about it.
• 13:41
  Speaker 5: How long does it take to write a book?
• 13:44
  Speaker 3: Nearly two years?
• 13:45
  Speaker 2: Ge.
• 13:46
  Speaker 5: Since we've both been involved in the Beers, it's sort
• 13:48
  Speaker 5: of been this little.
• 13:49
  Speaker 3: Ye background and ongoing, little side project.
• 13:52
  Speaker 2: It's definitely been something that you know, if you know
• 13:54
  Speaker 2: me personally, you know that that's what's been taking up
• 13:57
  Speaker 2: my weekends and after work, and all of the stress
• 14:01
  Speaker 2: that I've been carrying has been largely due to making
• 14:04
  Speaker 2: sure that this is damn nearly perfect. So yeah, no,
• 14:08
  Speaker 2: it's very nice. It feels like a weight is off
• 14:10
  Speaker 2: my shoulders. Now I've handed over the final manuscript and
• 14:13
  Speaker 2: people are really happy with it, and we've gone through
• 14:14
  Speaker 2: all the final changes.
• 14:16
  Speaker 5: Now, something really nice that I saw in the group that,
• 14:19
  Speaker 5: besides everyone just saying congratulations and buying their copies and
• 14:21
  Speaker 5: stuff like that, one lady said, because of all the
• 14:25
  Speaker 5: free advice you give and we listen to the podcast
• 14:28
  Speaker 5: every week even if I didn't want the book, which
• 14:30
  Speaker 5: you did. She goes the fact that I can just
• 14:32
  Speaker 5: spend some money on the book as a way to
• 14:33
  Speaker 5: say thank you. That makes me feel really good that
• 14:36
  Speaker 5: I'm at least giving back a little bit.
• 14:37
  Speaker 2: Yeah, I saw that, I think, I replied to I
• 14:39
  Speaker 2: love that this community has been so supportive and like
• 14:42
  Speaker 2: at the same time as underlyingly knowing if I put out,
• 14:46
  Speaker 2: you know, the announcement that I've got a book, people
• 14:48
  Speaker 2: would be like, oh cool, But like, I've been absolutely
• 14:50
  Speaker 2: overwhelmed with support and people messaging me, people I don't know,
• 14:54
  Speaker 2: just congratulating me, being excited for the book, people on
• 14:57
  Speaker 2: Instagram sharing it with their friends.
• 14:59
  Speaker 5: My fai.
• 15:00
  Speaker 2: It is when people are like, oh, check this out,
• 15:02
  Speaker 2: She's done a book, and then it's their screenshot of
• 15:04
  Speaker 2: them ordering it.
• 15:04
  Speaker 3: I'm like, hasn't it come out yet? You guys are
• 15:07
  Speaker 3: already on it, and I love it.
• 15:09
  Speaker 2: It makes me so proud to one have completed it
• 15:12
  Speaker 2: because that wasn't a easy feat, but two like, given
• 15:15
  Speaker 2: I've completed it, I genuinely know the impact it can have,
• 15:19
  Speaker 2: especially given the success of the podcast in what's been
• 15:22
  Speaker 2: going on, I'm kind of like, I can't wait for
• 15:24
  Speaker 2: people to start using it and applying these things in
• 15:28
  Speaker 2: their lives and it becoming part of their journey as well,
• 15:30
  Speaker 2: which is really cool to think about.
• 15:32
  Speaker 4: What can people expect from it? V Like is it
• 15:34
  Speaker 4: a budgeting overhaul? Is it an a to Z of
• 15:37
  Speaker 4: just like everything that is not about finance, Like, how
• 15:40
  Speaker 4: is it laid out? What can our listeners expect?
• 15:42
  Speaker 2: So the whole idea is to change your relationship with money.
• 15:45
  Speaker 2: The idea is to take charge of your financial future
• 15:48
  Speaker 2: with this book, and it is the A to Z
• 15:50
  Speaker 2: of everything you will need to know financially. We go
• 15:53
  Speaker 2: through your money stories, we go through how to budget,
• 15:56
  Speaker 2: how to save? What is cash flow? I show you
• 15:58
  Speaker 2: my cash flow plan, how to set one up. We
• 16:00
  Speaker 2: talk about super we talk about investment. We literally talk
• 16:03
  Speaker 2: about everything all the way through to retirement and what
• 16:05
  Speaker 2: that actually means for you and how to start implementing
• 16:08
  Speaker 2: things today that are going to impact you in the
• 16:10
  Speaker 2: long term. But then weaved in between all of that
• 16:13
  Speaker 2: some really really kind stories that you guys and the
• 16:15
  Speaker 2: shees on the money community have allowed me to share.
• 16:18
  Speaker 3: For each of those.
• 16:19
  Speaker 2: Topics, we've got a money story and a little pervy
• 16:22
  Speaker 2: money diary so that it all becomes real and relatable
• 16:25
  Speaker 2: and actually tangible, because I think when you're reading about
• 16:28
  Speaker 2: investment it can seem really far off from really overwhelming.
• 16:31
  Speaker 2: So I think it's really nice to ground it and
• 16:33
  Speaker 2: bring it back home and go, okay, cool. But here's
• 16:35
  Speaker 2: someone who actually did it, and here's what they did,
• 16:37
  Speaker 2: and this is what their story looks like. Because at
• 16:40
  Speaker 2: the same time, as you know, wanting to be able
• 16:42
  Speaker 2: to spoon feed it to you guys, legally I'm not
• 16:45
  Speaker 2: allowed to because I'm a licensed financial advisor, so it
• 16:47
  Speaker 2: has to be general advice. So it's nice to give
• 16:48
  Speaker 2: some little tipbits on what other people are up to.
• 16:51
  Speaker 5: What are the not legalities, the social ethics morals of
• 16:58
  Speaker 5: if we know a friend who's tear with money, buying
• 17:00
  Speaker 5: them a book without like, hey, mate, here's a great
• 17:04
  Speaker 5: idea for you to read.
• 17:06
  Speaker 2: I don't know, and I'm going to compare it to
• 17:08
  Speaker 2: the Barefoot Investor that became a really giftable.
• 17:11
  Speaker 5: I got my cousin the Barefoot Investor and he was
• 17:13
  Speaker 5: a bit like, oh okay, and then a month later
• 17:15
  Speaker 5: he's like, thank you so much. And that's why I
• 17:17
  Speaker 5: asked this, because I feel like this is going to
• 17:18
  Speaker 5: be a great resource for a lot of people.
• 17:20
  Speaker 2: Yeah, and I loved The Barefoot Investor for a couple
• 17:23
  Speaker 2: of reasons, and one was its shareability and its relatability.
• 17:27
  Speaker 2: But the reason I didn't love it, and not because
• 17:29
  Speaker 2: I don't love him and what he's created is because
• 17:32
  Speaker 2: it's not for us. It's actually for an older demographic
• 17:35
  Speaker 2: and people who have different values, not young people who
• 17:39
  Speaker 2: really want to create financial freedom and security. Whereas his
• 17:43
  Speaker 2: book is kind of more about, okay, cool, like you
• 17:45
  Speaker 2: need to pay off your family home, you're probably going
• 17:47
  Speaker 2: to have a couple of kids, here's what that looks
• 17:49
  Speaker 2: like in the future. And for me, it's more like, well, actually,
• 17:52
  Speaker 2: were young, we have so much time we can invest
• 17:54
  Speaker 2: and create ultimate wealth. We don't need to wait for
• 17:58
  Speaker 2: the pension. And I think that there's something really powerful
• 18:00
  Speaker 2: about pegging it back a little bit and starting earlier
• 18:03
  Speaker 2: and younger. And to me, that's kind of a little
• 18:05
  Speaker 2: flex that we have. We've got heap of time up
• 18:07
  Speaker 2: our sleeves and we can create magic long term.
• 18:09
  Speaker 5: I think random question that's maybe not related to the book.
• 18:13
  Speaker 2: That's okay, We're all about random questions. I didn't know
• 18:15
  Speaker 2: I was being interviewed.
• 18:16
  Speaker 5: Either, so are we. And I'm going to include myself
• 18:19
  Speaker 5: in this because I know I'm slightly older than you
• 18:21
  Speaker 5: team Okay, correct us, young folks in our twenties.
• 18:24
  Speaker 3: Know where the dad sheese on the money hat.
• 18:27
  Speaker 5: I'm a sebtom dad. Will we get pension like our age?
• 18:31
  Speaker 5: Because you know how there's chat that like, oh, you
• 18:32
  Speaker 5: have to invest in your super because by the time
• 18:34
  Speaker 5: we get old enough, that might not be a thing anymore.
• 18:36
  Speaker 2: Well, it's a very real consequence of the fact that
• 18:39
  Speaker 2: we are spending so much on pensions at the moment,
• 18:42
  Speaker 2: we just don't know what funding for that looks like.
• 18:44
  Speaker 2: And with population growth and the age of people actually
• 18:48
  Speaker 2: retiring increasing but also dying increasing, we've got more of
• 18:53
  Speaker 2: a population to support. So I have no doubt in
• 18:55
  Speaker 2: some way it's going to have to be scaled back
• 18:58
  Speaker 2: because when you take into considerations stuff like inflation and
• 19:01
  Speaker 2: the rising cost of goods and services, and the fact
• 19:04
  Speaker 2: that the pension isn't nearly that much to begin with.
• 19:07
  Speaker 2: Now they're going to try and make that pension stretch
• 19:09
  Speaker 2: among more people, Like is that actually sustainable? Like something's
• 19:12
  Speaker 2: got to give. And I think for me, the best
• 19:14
  Speaker 2: way to actually future proof ourselves is to actually put
• 19:17
  Speaker 2: ourselves first and create our own future. And we can
• 19:20
  Speaker 2: actually do that in a really reasonable, constructive and long
• 19:24
  Speaker 2: term easy way, Like it is not hard to do.
• 19:27
  Speaker 5: This Do you reckon in the year twenty seventy, when
• 19:30
  Speaker 5: G and I are in the old folks home. We're
• 19:33
  Speaker 5: in the same one appartially, of course.
• 19:34
  Speaker 2: We all get scooters and like be those hoons that
• 19:37
  Speaker 2: like get seldom. Yes, yeah, I want to get those
• 19:39
  Speaker 2: streamers off the side of the handlebars. I didn't get
• 19:43
  Speaker 2: them on my bike when I was young, So that'll
• 19:45
  Speaker 2: be my way of making up.
• 19:47
  Speaker 5: My question is when we're all in the home, do
• 19:49
  Speaker 5: you reckon? There'll be a difference between people that did
• 19:51
  Speaker 5: something thirty years ago.
• 19:54
  Speaker 2: Yeah, that exists in homes across Australia at the moment
• 19:57
  Speaker 2: and across generations.
• 19:59
  Speaker 3: At the moment.
• 20:00
  Speaker 2: You see older people who have invested well and long
• 20:04
  Speaker 2: term and consistently and relatively conservatively. They're retiring without any
• 20:08
  Speaker 2: level of stress. And then you're seeing a lot of
• 20:10
  Speaker 2: people who are turning to the pension and that's their
• 20:13
  Speaker 2: only source of income and they feel like they can't
• 20:16
  Speaker 2: stop work because they also can't deal with the lack
• 20:18
  Speaker 2: of income that's going to come from cutting back to
• 20:21
  Speaker 2: the pension. Like it's it's crazy the impact finance has
• 20:24
  Speaker 2: on us long term, and it just makes so much
• 20:27
  Speaker 2: more sense to be talking about this more regularly and
• 20:30
  Speaker 2: more honestly and actually taking it in our stride instead
• 20:34
  Speaker 2: of just saying, Okay, well that's a job for future me. No,
• 20:37
  Speaker 2: we're looking after future me by doing this.
• 20:40
  Speaker 5: Gin I were talking earlier. Ill together, do we get
• 20:46
  Speaker 5: free drinks at some sort of book launch party?
• 20:50
  Speaker 3: You want free drinks?
• 20:52
  Speaker 5: Money? There? See?
• 20:53
  Speaker 3: I see.
• 20:53
  Speaker 5: I know it might not be locked in, but is
• 20:55
  Speaker 5: there something that we can look forward to or what's
• 20:57
  Speaker 5: your What can you say?
• 20:58
  Speaker 2: I I could say anything, because nothing's locked in.
• 21:02
  Speaker 5: What are you wanting?
• 21:03
  Speaker 2: Oh my gosh, I want to create She's on the
• 21:06
  Speaker 2: Money parties. I would love to think that we could
• 21:09
  Speaker 2: organize in each different state like kind of like a
• 21:11
  Speaker 2: meet and greet and a book launch, and we do
• 21:13
  Speaker 2: like a mini like workshop of one of the chapters
• 21:16
  Speaker 2: of the book and then just stick around to have
• 21:18
  Speaker 2: drinks and catch up. Like I genuinely feel, especially through
• 21:21
  Speaker 2: COVID last year, that I connected really deeply with my
• 21:25
  Speaker 2: She's on the Money community and so many people across
• 21:27
  Speaker 2: the country that's kind of like, Hey, it's actually the
• 21:30
  Speaker 2: week of the book Launch's the second birthday of She's
• 21:34
  Speaker 2: on the Money podcast.
• 21:35
  Speaker 3: Who so that's kind of wow.
• 21:36
  Speaker 5: Wow.
• 21:37
  Speaker 2: Can't we have a little birthday party and celebrate all
• 21:40
  Speaker 2: of that and where we've come from and who we
• 21:42
  Speaker 2: are in the progress we've made and the community members
• 21:45
  Speaker 2: that have changed their lives in two years because they
• 21:47
  Speaker 2: exist and that's crazy and really really cool.
• 21:50
  Speaker 5: Does this mean that g King on Tour will in
• 21:53
  Speaker 5: fact be so on tour.
• 21:57
  Speaker 2: Exactly? And I think that would be really fun. At
• 22:00
  Speaker 2: the moment, I'm looking into how to facilitate that and
• 22:03
  Speaker 2: what that would actually look like. But I mean, if
• 22:06
  Speaker 2: you guys have any ideas, please hit me up because
• 22:08
  Speaker 2: I need all the help I can get.
• 22:10
  Speaker 5: Phone party yeah in BALI, I.
• 22:12
  Speaker 2: Mean that's that's actually completely unattainable at this point in time.
• 22:18
  Speaker 3: Phone past.
• 22:18
  Speaker 5: They give me ideas and we did.
• 22:20
  Speaker 2: We just felt like, why would we throw a second
• 22:22
  Speaker 2: birthday party? Get some jumping castles? We could do Oh
• 22:26
  Speaker 2: my gosh, I would love a petting zoo. You would
• 22:28
  Speaker 2: actually I would go crazy for a petting zoo. You
• 22:30
  Speaker 2: could just be like, ah, we got a duck. There'll
• 22:32
  Speaker 2: be a duck, and I'll be like that is enough.
• 22:34
  Speaker 2: Off fly to Brisbane.
• 22:36
  Speaker 5: Here's my idea. The book is called Obviously she's on
• 22:39
  Speaker 5: the money.
• 22:40
  Speaker 3: I make the most of that title.
• 22:43
  Speaker 5: Here's the challenge I'd like to put into the Facebook
• 22:45
  Speaker 5: group for the weekend.
• 22:46
  Speaker 3: Okay, what is it?
• 22:48
  Speaker 5: What is your alternative possibly pun base but not a
• 22:52
  Speaker 5: hard rule, but your fun random alternative book title? What
• 22:57
  Speaker 5: could it be called?
• 22:58
  Speaker 3: What should have t Yeah?
• 23:00
  Speaker 5: Book? And you know, wink wink, nudge, nad, just come
• 23:02
  Speaker 5: up with something funny and the funniest one free book.
• 23:05
  Speaker 2: Yep, I'm so excited to give away so many free books.
• 23:08
  Speaker 2: I literally cannot wage. That was one of the things.
• 23:10
  Speaker 2: You know, when you negotiate a book contract, you actually
• 23:13
  Speaker 2: go to mean.
• 23:14
  Speaker 5: You know, no, we don't know who knows that you
• 23:16
  Speaker 5: know what negotiated book?
• 23:18
  Speaker 2: I don't know that, to be honest, turns out, when
• 23:21
  Speaker 2: you negotiate a book contract, you actually like have a
• 23:25
  Speaker 2: certain number of like author copies that you get.
• 23:27
  Speaker 3: And here's meebing like how many can gay yet? And
• 23:29
  Speaker 3: they're like, why do you want so many copies.
• 23:31
  Speaker 2: Of your book so I can give it away like Oprah?
• 23:34
  Speaker 2: So it can be Oprah, but on a very tiny scale.
• 23:37
  Speaker 5: So how many did you get?
• 23:39
  Speaker 3: I can't even remember, to be honest, it was a
• 23:40
  Speaker 3: while ago.
• 23:41
  Speaker 2: Okay, but you best believe I'll be buying so many
• 23:43
  Speaker 2: copies so I can give them away.
• 23:45
  Speaker 5: All right, So we're obviously excited about the launch. Office's
• 23:47
  Speaker 5: on the money of the book. But our mates, I mean,
• 23:50
  Speaker 5: so you should be two years of hard work. I mean,
• 23:52
  Speaker 5: at least crack a smile.
• 23:54
  Speaker 3: I did, and I also cracked a.
• 23:55
  Speaker 5: Be So our mates at up Bank have also launched
• 23:59
  Speaker 5: something of their own.
• 24:00
  Speaker 2: They actually have which is really fun, and you can
• 24:02
  Speaker 2: find me on their website because they have partnered with
• 24:06
  Speaker 2: me to do a Master your Money Goals series for
• 24:09
  Speaker 2: their easy Money campaign. And I'm not sure if you
• 24:11
  Speaker 2: guys have seen this yet. I'm just really excited about
• 24:13
  Speaker 2: it because they did a TikTok filter where you can
• 24:16
  Speaker 2: like eat.
• 24:16
  Speaker 3: The dollar coin.
• 24:17
  Speaker 2: You kind of look silly, but it's kind of addictive
• 24:19
  Speaker 2: and you kind of look really dumb, but like looking.
• 24:22
  Speaker 3: Dumb can be fun, right, Georgia.
• 24:23
  Speaker 5: Absolutely, I saw that ten million people have used that
• 24:26
  Speaker 5: I got ten million views, or I saw that million
• 24:28
  Speaker 5: people having a good time.
• 24:29
  Speaker 2: Yeah, they've done a really good job of it. And
• 24:31
  Speaker 2: I actually got to go to their office a couple
• 24:33
  Speaker 2: of weeks ago and I did this fancy photo shoot
• 24:36
  Speaker 2: and they'd set everything up and then they let me
• 24:38
  Speaker 2: have lunch with their team and they made me so
• 24:41
  Speaker 2: many snacks, like rock Well from up Bank actually organized
• 24:44
  Speaker 2: this epicating which was all gluten free and vegan, and
• 24:47
  Speaker 2: it was like so good.
• 24:49
  Speaker 3: I had to keep questioning him, being.
• 24:50
  Speaker 2: Like, is this usual, because like that's chocolate pastry, Like
• 24:54
  Speaker 2: that is two things that I'm usually not allowed to eat.
• 24:57
  Speaker 3: Turns out it was. We also drank at eleven am.
• 25:01
  Speaker 5: I was gonna say, I'm pretty sure I saw you
• 25:03
  Speaker 5: later on that afternoon. I was about to ask if
• 25:04
  Speaker 5: they were drinking Bold because I've had this Upbank finger. Yeah.
• 25:07
  Speaker 2: So I was their office and their office is actually
• 25:09
  Speaker 2: epic and I'm a little bit jealous of it. But
• 25:12
  Speaker 2: we're working on this little campaign together, which is actually
• 25:15
  Speaker 2: why they're sponsoring today's episode. They didn't sponsor this segment,
• 25:17
  Speaker 2: but I just wanted to talk about them anyway. But essentially,
• 25:20
  Speaker 2: we're combining that She's on the Money advice with smart
• 25:22
  Speaker 2: upmoves so that you can put all of your money
• 25:25
  Speaker 2: goals into action and actually use a bank the best
• 25:28
  Speaker 2: way that you possibly can, which I'm really excited about.
• 25:30
  Speaker 2: But there's a whole money Goals series coming up, and
• 25:32
  Speaker 2: I think that you guys would actually be pretty interested.
• 25:35
  Speaker 3: In it because it's essentially free workshops.
• 25:37
  Speaker 5: So funnywin up dot com dot Au slash She's on
• 25:41
  Speaker 5: the Money.
• 25:42
  Speaker 3: I'm on a bank website.
• 25:45
  Speaker 4: It is very fun already, guys, it has been in
• 25:47
  Speaker 4: an absolute hoot. But I think that is probably all
• 25:50
  Speaker 4: we have time for today before we sadly, always sadly,
• 25:56
  Speaker 4: before we do head off, we'd of course like to
• 25:57
  Speaker 4: acknowledge and pay respect to Australia's Aboriginal and Torres Strait
• 26:01
  Speaker 4: Islander people's, the traditional custodians of the lands, the waterways
• 26:04
  Speaker 4: and the skies right across Australia. We thank you for
• 26:08
  Speaker 4: sharing and caring for the land on which we are
• 26:10
  Speaker 4: able to learn. We pay our respects to elder's past
• 26:12
  Speaker 4: and present, and share our friendship and kindness. And please
• 26:16
  Speaker 4: remember everyone that the advice shared on She's on the
• 26:19
  Speaker 4: Money is general in nature and does not consider your
• 26:21
  Speaker 4: individual circumstances. She's on the Money exists purely for educational
• 26:25
  Speaker 4: purposes and should not be relied upon to make an
• 26:28
  Speaker 4: investment or a financial decision. And we promise Victoria Devine
• 26:32
  Speaker 4: is an authorized representative of Australia Pacific Funds Management Proprietary Limited.
• 26:36
  Speaker 4: I can never say proprietary apn.
• 26:39
  Speaker 2: Amy Lenardi, who is one a friend of the show,
• 26:41
  Speaker 2: but to also their property playbook cost which is coming
• 26:46
  Speaker 2: out soon. She used to say pity little because she
• 26:48
  Speaker 2: didn't know.
• 26:49
  Speaker 3: What So shout out to Amy Lenardi.
• 26:53
  Speaker 5: Love that this is brought to you by she's the
• 26:55
  Speaker 5: money pity.
• 26:56
  Speaker 4: Little, Pity Little ABN three four one three two four
• 27:00
  Speaker 4: six three two five seven afs L three three nine
• 27:03
  Speaker 4: one five one and a big thanks to Brian John
• 27:07
  Speaker 4: for putting together today's podcast. That's how it always ends.
• 27:11
  Speaker 4: That's the that's the script wrap that I have.
• 27:14
  Speaker 5: I'm actually gonna ship it off. Someone else is going
• 27:15
  Speaker 5: to do it this week.
• 27:16
  Speaker 3: Oh thank you for random editor of the Internet. We
• 27:19
  Speaker 3: adore you.
• 27:21
  Speaker 5: Thank you, Fiver dot com, Thank fi dot com.
• 27:26
  Speaker 4: Until next week, guys, Bye,