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MONEY DIARIES: Struggling with Toxic Perfectionism · She's On The Money

0:00
Speaker 1: Hello.
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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
0:05
Speaker 2: Order Kerni Whoalbury and a waddery woman. And before we
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Speaker 2: get started on She's on the Money podcast, I would
0:11
Speaker 2: like to acknowledge the traditional custodians of the land of
0:14
Speaker 2: which this podcast is recorded on a wondery country, acknowledging
0:18
Speaker 2: the elders, the ancestors and the next generation coming through
0:23
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
0:27
Speaker 2: the storytelling of you to make a difference for today
0:31
Speaker 2: and lasting impact for tomorrow.
0:33
Speaker 3: Let's get into it. She's on the Money, She's on
0:37
Speaker 3: the Money. Hello, and welcome to She's on the Money,
1:00
Speaker 3: the podcast for millennials who want financial freedom. My name
1:04
Speaker 3: is Victoria Devine and I am so excited to welcome
1:08
Speaker 3: you back to another one of our shop backed money
1:10
Speaker 3: diaries where we get to talk to one of our
1:12
Speaker 3: beautiful She's on the Money community members and learn a
1:15
Speaker 3: little bit more about their journey. So let's get straight
1:18
Speaker 3: into it. This week I got a message from one
1:21
Speaker 3: of our diarists and it said I went to UNI
1:24
Speaker 3: straight out of school and I wanted to do everything right.
1:28
Speaker 3: This developed into a toxic perfectionist pattern. When I landed
1:32
Speaker 3: my dream job, I realized something was really wrong. After
1:36
Speaker 3: long periods of bad anxiety and finding myself crying on
1:40
Speaker 3: the floor. After much soul searching, I returned to UNI
1:43
Speaker 3: to study international development and climate change. At around this time,
1:47
Speaker 3: my sixteen year old dog got really unwell. After a
1:50
Speaker 3: year and a half of VET bills that added up
1:53
Speaker 3: to twenty thousand dollars, my beloved pub passed away. While
1:58
Speaker 3: this was happening, my dad's cancer returned and he was
2:01
Speaker 3: given a short period of time to live, passing away
2:04
Speaker 3: in July of last year. This, of course, put work
2:08
Speaker 3: and union hold. After a diagnosis of OCD, but some
2:12
Speaker 3: wonderful therapy, I now work full time at my real dream,
2:17
Speaker 3: not for profit job where I earn less but my
2:20
Speaker 3: cup is full money diarist, what a journey, what a story.
2:25
Speaker 3: Thank you for wanting to share it with.
2:27
Speaker 1: Me, No, thank you so much for having me on.
2:30
Speaker 1: I'm very excited to share some more.
2:32
Speaker 3: Oh my gosh, it started with like I landed my
2:34
Speaker 3: dream job. Then I was on the floor, then all
2:37
Speaker 3: of this other stuff. My gosh, I am so excited
2:40
Speaker 3: to dive straight into it as always. Let's start with
2:43
Speaker 3: the most common question I ask my favorite one of all.
2:47
Speaker 3: Can you tell us a little bit about your money story?
2:50
Speaker 1: Yes, for sure, So I guess it really starts when
2:54
Speaker 1: I was younger. I had what I've learnt from you,
2:56
Speaker 1: actually was a bit of a scarcity mindset grow up
3:00
Speaker 1: when it comes to money. So my family wasn't super
3:04
Speaker 1: well off and money just wasn't something that we had
3:07
Speaker 1: laying around to spend. However, my parents always worked really
3:11
Speaker 1: really hard, So from a young age, I really had
3:15
Speaker 1: this mentality that kind of took over my brain that
3:18
Speaker 1: basically you had to work really hard to get anything
3:21
Speaker 1: that you wanted in life. So after high school, I
3:25
Speaker 1: went to university to study what I thought would be
3:28
Speaker 1: a degree that got me the most money.
3:30
Speaker 3: Basically, what degree was that we want to know?
3:34
Speaker 1: So that was just a basic kind of business degree
3:37
Speaker 1: with some international relations chucked in from my own interest area,
3:41
Speaker 1: and I thought that was the exciting thing that I
3:44
Speaker 1: could do to make money.
3:45
Speaker 3: Basically, that does definitely sound like you could be chreach
3:48
Speaker 3: after doing that. Sounds stassy, Yeah, yeah, I get the logic, yep.
3:52
Speaker 1: So I spent Uni basically working a lot part time,
3:55
Speaker 1: studying really hard to get good grades and doing a
3:59
Speaker 1: ridiculous aren't of unpaid volunteer work to try and build
4:02
Speaker 1: up that resume. Basically, so after I've finished my undergrad
4:07
Speaker 1: I thought it had all paid off when I got
4:10
Speaker 1: a dream job straight out of university that was paying
4:13
Speaker 1: almost ninety K, wow, which was just wild.
4:18
Speaker 3: That's so much money straight out of university. Like, straight
4:21
Speaker 3: out of Uni, I was on like forty K and
4:23
Speaker 3: I thought I was making bank.
4:25
Speaker 1: Yeah, it was overwhelmingly wild. So it was the first
4:28
Speaker 1: time I'd ever actually really had money, and I had
4:32
Speaker 1: no financial literacy at the time, so I basically went wild.
4:36
Speaker 1: Like we're talking like fifty dollars bottles of wine during
4:39
Speaker 1: the week, uber eats and dinners out daily, Like it
4:42
Speaker 1: was just draining, and I was definitely living what I
4:46
Speaker 1: thought was my best life.
4:47
Speaker 3: I mean, that does sound pretty good. I would definitely
4:49
Speaker 3: crack a bottle of fifty dollars wine on a Wednesday
4:52
Speaker 3: and call that a good week. So I see where
4:53
Speaker 3: you were going with that.
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Speaker 1: It was chaotic, It really was chaotic times, but it
4:58
Speaker 1: was fun. But yeah, So in a bit of a
5:01
Speaker 1: plot twist, it actually turns out that I really wasn't
5:05
Speaker 1: that happy. I might have thought I was, but on
5:08
Speaker 1: those nights that I wasn't kind of out with friends
5:10
Speaker 1: or like having a fun time with my partner. I
5:12
Speaker 1: was just so exhausted and overwhelmed. And I finally realized
5:15
Speaker 1: that I was genuinely really burnt out when one day
5:19
Speaker 1: I was having a proper panic attack in the kitchen,
5:23
Speaker 1: lying on the floor, just like balling my eyes out,
5:26
Speaker 1: and my partner was talking to me and he was like,
5:29
Speaker 1: I think maybe this isn't what you want in life.
5:32
Speaker 1: And I was like, maybe you're right, maybe this isn't it.
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Speaker 3: That's some good insight. I mean, that's probably a good
5:39
Speaker 3: indicator if you're having a panic attack on the floor
5:42
Speaker 3: and you are balling your eyes. I just feel like, yeah,
5:44
Speaker 3: he's pretty switched on.
5:46
Speaker 1: Yeah he's a good reader. I'll definitely give him that.
5:48
Speaker 1: He's a very good emotion reader, which is very handy.
5:53
Speaker 1: So yeah, So I got to the point then, and
5:56
Speaker 1: a bunch of self reflection after that moment, realizing that
5:59
Speaker 1: money probably wasn't all I wanted in life, and I
6:03
Speaker 1: really wanted to do something that was a bit more
6:05
Speaker 1: meaningful and could help me help people and kind of
6:09
Speaker 1: lean into my passion for the environment as well. So
6:12
Speaker 1: I went back to UNI, which was my safe space
6:15
Speaker 1: at the time, and enrolled in my Masters of Global
6:18
Speaker 1: Development and Climate Change and started working part time. So
6:23
Speaker 1: about this time is actually when I found your podcast
6:25
Speaker 1: as well.
6:26
Speaker 3: Welcome to the Family.
6:27
Speaker 1: Yes, yes, So it was very exciting. So I was
6:29
Speaker 1: actually getting on top of my money. I was figuring
6:32
Speaker 1: out how to do baskets, I was saving all my
6:34
Speaker 1: part time earnings, like things were looking right, and then
6:39
Speaker 1: these three major things kind of happened over the span
6:42
Speaker 1: of a few years. So, as you mentioned at the start,
6:44
Speaker 1: my gorgeous, gorgeous dog that i'd had sent you two
6:48
Speaker 1: got really sick.
6:49
Speaker 3: What kind of dogs? Tell me about how her?
6:51
Speaker 1: She was like this little beautiful silky cross, like one
6:55
Speaker 1: of those bits of dogs that's like five different things. Yeah,
6:58
Speaker 1: she's very sweet. So she was sixteen, and she got
7:03
Speaker 1: all of the things wrong with her basically at the time.
7:06
Speaker 1: So over the twenty eighteen to twenty twenty, I ended
7:10
Speaker 1: up spending I think it was about twenty two thousand
7:12
Speaker 1: dollars all up on her vet bills as I didn't
7:15
Speaker 1: have pet insurance. Because I got her when I was
7:17
Speaker 1: so young, and she ended up passing away in twenty twenty.
7:21
Speaker 1: But it was totally worth it, but obviously took a
7:25
Speaker 1: huge stent in the old savings.
7:27
Speaker 3: That is the worst petsa as you probably already know
7:30
Speaker 3: if you've been listening to the pod a while. I
7:32
Speaker 3: am the biggest pet person ever. I have three of
7:35
Speaker 3: my own, and they are the best things to ever
7:37
Speaker 3: happen to me. And I mean, it's not going to
7:39
Speaker 3: make you feel better about this, but you mentioned pet
7:42
Speaker 3: insurance before. Your Bambino had a very good inning. Sixteen
7:47
Speaker 3: years is very impressive, especially for a dog. But most
7:51
Speaker 3: pet insurance will not cover any dog over the age
7:55
Speaker 3: of ten or twelve, depending on what insurance policy it was,
7:58
Speaker 3: so they might not have even covered that. So I
8:01
Speaker 3: don't think insurance could have saved you there. Unfortunately, that's
8:04
Speaker 3: all up to old dogs.
8:06
Speaker 1: Yeah, exactly, that's very true actually, and it has helped
8:09
Speaker 1: me learn now. For our dog that we got only
8:13
Speaker 1: a few years ago, we have a joint account my
8:15
Speaker 1: partner and I either push money into it was a
8:18
Speaker 1: big savings just in case, which is very nice. Oh
8:20
Speaker 1: my gosh.
8:21
Speaker 3: They're babies that need being looked after. So I am
8:24
Speaker 3: totally there. But then your story develops further that wasn't
8:28
Speaker 3: the only bad thing to happen during that period of time, right, Yeah.
8:32
Speaker 1: So early last year, I got a call from my
8:37
Speaker 1: mum that my dad was in hospital because he prostate
8:42
Speaker 1: cancer that he'd been dealing with, like really well for
8:45
Speaker 1: the last six years had come back and had spread. Wow.
8:49
Speaker 1: And I was so used to him being sick that
8:52
Speaker 1: I didn't really think about it at the time. It
8:54
Speaker 1: wasn't until for the first time she said you better
8:57
Speaker 1: get here because we've been told there's only months that
9:01
Speaker 1: I was like, oh, my goodness, yeah, this is serious.
9:06
Speaker 1: So yeah, after going down to visit my family and
9:09
Speaker 1: realizing that this was it, so I basically decided then
9:14
Speaker 1: and there that family was more important than my UNI
9:17
Speaker 1: and my work and all my other things I had
9:19
Speaker 1: going on. So I ended up spending about one week
9:22
Speaker 1: a month for six months going in between my home
9:25
Speaker 1: and my family's home, visiting while they could, to just
9:27
Speaker 1: support and be with Dad. And it was just such
9:30
Speaker 1: a tough time, and he ended up passing away last July.
9:34
Speaker 1: But I wouldn't trade it for a day. Taking that
9:37
Speaker 1: time off UNI pushing things back and taking that time
9:40
Speaker 1: off work to be with my family. It was the
9:43
Speaker 1: best decision that I've ever made.
9:44
Speaker 3: I think I'm so glad to hear that you had
9:47
Speaker 3: that time with your family. I mean, there's no you know,
9:50
Speaker 3: right or wrong when it comes to stuff like this,
9:53
Speaker 3: but the fact that you're saying like, this is the
9:55
Speaker 3: right decision for me. I love that you had the
9:57
Speaker 3: ability to make that decision. And it sounds like your
10:01
Speaker 3: dad probably really appreciated that too, like, oh my gosh,
10:05
Speaker 3: he would have loved that time with you. Right.
10:07
Speaker 1: Yeah, we had a lot of fun, and we had
10:09
Speaker 1: a lot of like quality family time, which you don't
10:12
Speaker 1: always get when the kids have all grown up and
10:14
Speaker 1: we've moved to different states. So that was really nice
10:16
Speaker 1: as well. So silver linings, yeah, especially as an adult.
10:20
Speaker 1: I mean, let's try and see that as a silver lining.
10:23
Speaker 1: And then what happened? You put work in UNI on hold?
10:26
Speaker 1: And then what So then after my dad had passed away,
10:30
Speaker 1: I kind of went back to my usual life, tried
10:33
Speaker 1: to just dive straight back into things, as you know
10:36
Speaker 1: the overchievers do, and then I realized something was very
10:40
Speaker 1: off and it didn't feel like my regular anxiety. Things
10:43
Speaker 1: were going downhill really quickly, and I was lucky enough
10:47
Speaker 1: to have had a friend who had been diagnosed with
10:50
Speaker 1: OCD a few years prior to me, and I thought,
10:53
Speaker 1: this sounds a lot like what my friend was telling
10:55
Speaker 1: me about. So I went straight to a psychologist within
11:00
Speaker 1: about a month of it coming on. So I think
11:02
Speaker 1: that was really lucky for me that it didn't have
11:04
Speaker 1: enough time to develop into something really, really bad. But yeah,
11:09
Speaker 1: I got diagnosed with obsessive compulsive disorder and it has
11:13
Speaker 1: easily been apart from everything else that I've gone through,
11:16
Speaker 1: one of the toughest things I've ever dealt with. It
11:19
Speaker 1: is dehabilitating. It just drains you. It wastes so many
11:24
Speaker 1: days of your life. And I didn't really understand what
11:27
Speaker 1: it was before it happened to me, and I think
11:29
Speaker 1: a lot of people don't understand it either. So that
11:31
Speaker 1: was really tough with work and UNI again trying to
11:35
Speaker 1: figure out how to navigate.
11:37
Speaker 3: That money drive. So when I ask a perfect question here,
11:39
Speaker 3: because you said that you know, OCD is not really understood,
11:42
Speaker 3: and one of the reasons why it's not understood is
11:45
Speaker 3: it manifests really differently for different people, so it doesn't
11:48
Speaker 3: always look exactly the same, and there's no one quote
11:51
Speaker 3: indicator of it. And I think that a lot of
11:53
Speaker 3: people joke about it and say, oh my gosh, I've
11:56
Speaker 3: got OCD. I have to clean the sink, and it's
11:58
Speaker 3: just like, no, sit down, that not what it is.
12:00
Speaker 3: So could you teach us a little bit about how
12:03
Speaker 3: that might manifest for you, because obviously it is debilitating,
12:07
Speaker 3: but that means different things to different people, and I
12:09
Speaker 3: feel like that insight could be really powerful here.
12:13
Speaker 1: Yeah, no, one hundred percent. It can look so significantly
12:16
Speaker 1: different for different people. So for me, I had like
12:22
Speaker 1: certain themes that would pop up. So the general way
12:25
Speaker 1: that OCD works is that you have an obsessive thought
12:29
Speaker 1: and then you feel this urge to compulse on that
12:32
Speaker 1: obsessive thought. So one that I had was there's so many,
12:38
Speaker 1: but one that is probably not as stressful for people
12:41
Speaker 1: to listen to at home was that I had this
12:44
Speaker 1: obsessive thought that I had done something in the past
12:47
Speaker 1: to cheat on my partner. And it's the most ridiculous
12:50
Speaker 1: thing because I knew that I hadn't, but my brain
12:53
Speaker 1: was convincing me that I had. And then you get
12:56
Speaker 1: into this cycle of overthinking, like I have this initial
13:01
Speaker 1: obsessive thought, like you did something inappropriate with that guy once,
13:05
Speaker 1: and then your brain starts to think, oh, let's get
13:07
Speaker 1: to the bottom of this, and that's the compulsion. So
13:10
Speaker 1: it can look like you overthinking a scenario, trying to
13:13
Speaker 1: get to the exact bottom of a memory. It can
13:15
Speaker 1: look like you going to your partner to try and
13:18
Speaker 1: get feedback from them and that confirmation that no, you
13:21
Speaker 1: didn't do anything wrong, or it could be you sitting
13:24
Speaker 1: on your phone, like trying to search answers for hours
13:27
Speaker 1: and hours and so many different things. So it's like
13:29
Speaker 1: that really negative cycle, and you might think that you've
13:33
Speaker 1: solved it, but then you've strengthened that obsessive thought and
13:36
Speaker 1: then it comes up again and again. So the best
13:38
Speaker 1: way to deal with it is for me, at least,
13:41
Speaker 1: it was going to therapy and doing exposure therapy. So
13:45
Speaker 1: it's when you're actually exposed to the things that bring
13:48
Speaker 1: on that obsessive thought. But then you have to force
13:52
Speaker 1: yourself to say this is OCD and not lean into
13:55
Speaker 1: those compulsions. And it probably sounds really easy to average
14:00
Speaker 1: lovely healthy mind out there, but it's really really hard.
14:04
Speaker 1: So that mixed with some really good drugs that helped
14:07
Speaker 1: with my OCD, really helped me get on top of it.
14:10
Speaker 1: And I was very much scared of taking any type
14:14
Speaker 1: of medication, but life changing one of the best things
14:17
Speaker 1: I've ever done.
14:18
Speaker 3: I feel like there's such a stigma around medication. Why
14:21
Speaker 3: were you apprehensive to take medication.
14:24
Speaker 1: I've been told to take it before for my anxiety,
14:27
Speaker 1: because I've been dealing with anxiety for about a decade,
14:30
Speaker 1: and I always just kind of thought, no, mine's not
14:33
Speaker 1: that bad. You know, it's not bad enough. Other people
14:36
Speaker 1: have it worse, And it's such a lie that you
14:40
Speaker 1: tell yourself, like especially when you get to the point
14:42
Speaker 1: if you're carrying on the bathroom floor, it's developing further
14:45
Speaker 1: into something like OCD. And yeah, I just got to
14:48
Speaker 1: the point where I thought, why not give bit a go,
14:51
Speaker 1: Like it's pretty bad. If it's gonna help, it's gonna help.
14:54
Speaker 1: And it honestly changed my life. Yeah, it's incredible.
14:58
Speaker 3: As somebody who has had their life changed as well
15:01
Speaker 3: by various medications for ADHD, for anxiety, for depression, I
15:06
Speaker 3: currently take medications for all of those. I bought into
15:10
Speaker 3: that stigma for a really long time. In fact, I
15:12
Speaker 3: went off one of my medications for a really long
15:14
Speaker 3: time because I was like, I don't need it, Like
15:16
Speaker 3: I don't need to be defined by this. And now
15:19
Speaker 3: I look at it and go, you wouldn't say to
15:21
Speaker 3: somebody with diabetes, don't worry, don't take your insulin, like
15:24
Speaker 3: you're better now, you're functioning fine, Like I literally have
15:27
Speaker 3: a chemical imbalance in my brain and these medications help
15:30
Speaker 3: fix that. I just think that, you know, things like
15:34
Speaker 3: OCD and anxiety are dealt with in a very similar
15:37
Speaker 3: way because most of the time, and there's obviously a
15:39
Speaker 3: million different reasons why people have these symptoms, but for me,
15:43
Speaker 3: it's just a brain issue. Like it is, literally I
15:46
Speaker 3: have a chemical imbalance in my brain and that's what's
15:48
Speaker 3: creating it. So I just fix it with a medication.
15:51
Speaker 3: How crazy is it that I can do that and
15:53
Speaker 3: now I get to live my best life. I'm not
15:56
Speaker 3: advocating for everyone to jump on medication, but I just
15:59
Speaker 3: think that sometimes the doctors do know what they're talking
16:02
Speaker 3: about when they say, maybe you should consider.
16:04
Speaker 1: This one hundred percent. Yes, definitely. I was just going
16:08
Speaker 1: to say, so that was all pretty terrible, But I'm
16:12
Speaker 1: definitely on top of it now and then moving into
16:15
Speaker 1: this year, the money story is actually looking quite well.
16:19
Speaker 1: So I moved cities and I ended up getting my
16:21
Speaker 1: real dream job, and my partner and I have actually
16:25
Speaker 1: just bought our first apartment. Thank you. Things have changed.
16:30
Speaker 1: Things are good.
16:31
Speaker 3: Oh my gosh. It is a journey, but it sounds
16:34
Speaker 3: like you're on the light side of it at the moment,
16:37
Speaker 3: which is so exciting. All right, I have so many
16:40
Speaker 3: questions for you, but I know I want to get
16:42
Speaker 3: through these questions first. So now I want to know.
16:45
Speaker 3: You said you got your quote, real dream job and
16:47
Speaker 3: you're not for profit. But what do you do for work?
16:50
Speaker 2: Now?
16:50
Speaker 3: How much money do you earn?
16:52
Speaker 1: So I work in international disaster and crisis response.
16:57
Speaker 3: Wow, what does that mean.
17:00
Speaker 1: I am based in Australia, but I basically coordinate response
17:04
Speaker 1: work to other countries, especially in the Asia and Pacific regions. Yeah,
17:10
Speaker 1: it's all about mostly giving funding but also capacity development
17:14
Speaker 1: to disaster workers in other countries and really working to
17:19
Speaker 1: help localize responses to disasters, especially in an era of
17:23
Speaker 1: changing climate and increasing and more unpredictable disaster event So yeah,
17:29
Speaker 1: really moving towards away from traditional kind of humanitarian aid
17:33
Speaker 1: models more to working with communities on the ground, which
17:36
Speaker 1: is really exciting. And I currently earn eighty two thousand dollars,
17:41
Speaker 1: which I only just started two weeks ago. I went
17:44
Speaker 1: on a mini little pay rise which was very exciting.
17:47
Speaker 3: I feel like that's a really good income for the
17:50
Speaker 3: type of work that you do. Am I right in
17:52
Speaker 3: saying that? I feel like in the not for profit space,
17:54
Speaker 3: it's really common to not have very high salaries. And
17:57
Speaker 3: I mean that's not super high, but it's a innings.
18:01
Speaker 1: Yeah, it definitely is. I am quite lucky where I
18:04
Speaker 1: work does pay its employees quite well for the nonprofit space.
18:07
Speaker 1: And I started off in a lower position on about
18:10
Speaker 1: sixty five K, but I recently just moved up into
18:14
Speaker 1: a new role.
18:15
Speaker 3: Oh gosh, congrats that an apartment. Oh you are killing
18:19
Speaker 3: it at the moment. All right, I want to know,
18:22
Speaker 3: given you've just bought your own apartment, what's now your
18:25
Speaker 3: big money goal? What are we working towards?
18:27
Speaker 1: So one of my biggest money goals is to pay
18:30
Speaker 1: off our mortgage as soon as possible. So we actually
18:34
Speaker 1: bought something that's quite cheap. So we realized that our
18:37
Speaker 1: values isn't really property, So we only really ended up
18:42
Speaker 1: buying because of how significantly the rental market is going up,
18:46
Speaker 1: and we realized that buying a nice, cheap apartment would
18:49
Speaker 1: work out really well for us, so we got the
18:52
Speaker 1: Victorian First Home Buyers scheme. So we're planning to pay
18:56
Speaker 1: off that contribution as soon as we can and then
19:00
Speaker 1: start to pay that off, and my long term is
19:02
Speaker 1: to really get into investing to set myself up for
19:07
Speaker 1: a sustainable future as well.
19:09
Speaker 3: Yeah wow, all right, that is super exciting. The next
19:12
Speaker 3: question I have for you, though, is do you currently
19:14
Speaker 3: have any investments. If so, what are they.
19:17
Speaker 1: So I don't actually have any investments at the moment
19:20
Speaker 1: apart from my super but it is my massive goal
19:24
Speaker 1: in the next financial year to start building. So I'm
19:28
Speaker 1: currently doing a lot of research into what funds I
19:32
Speaker 1: want to put my money into. As you can probably tell,
19:34
Speaker 1: I'm really interested in putting my money into ethical and
19:38
Speaker 1: environmentally friendly investment funds, so it's very confusing. So I'm
19:42
Speaker 1: doing a lot of research to try and figure out
19:44
Speaker 1: where I want to put my money, and then that's
19:46
Speaker 1: my plan to kind of start really significantly building that
19:51
Speaker 1: up in the next couple of years.
19:52
Speaker 3: I'm not surprised to hear that in the slightest given
19:55
Speaker 3: what you've told me, especially about your career. But it
19:58
Speaker 3: is a really prickly position to be in at the
20:00
Speaker 3: moment because ethical doesn't necessarily mean ethical in the way
20:04
Speaker 3: that you would accept it, and so there's a lot of,
20:08
Speaker 3: you know, conversation going on about greenwashing at the moment.
20:11
Speaker 3: In fact, if you want to go back, I don't
20:13
Speaker 3: know if you've been through the pod that deeply yet,
20:15
Speaker 3: but we did an entire episode of what greenwashing is,
20:18
Speaker 3: how it works, and how to pick investments that align
20:20
Speaker 3: to your values, which I'm a bit biased, but I
20:22
Speaker 3: think it was a good episode, Like I don't think
20:24
Speaker 3: it was too bad. But moving on, who mentioned your mortgage.
20:28
Speaker 3: I want to know more about that, But I also
20:30
Speaker 3: want to know do you have any other debts? If so,
20:32
Speaker 3: what are they.
20:34
Speaker 1: So apart from the mortgage. The only other debt that
20:36
Speaker 1: I have is my hextet, which is rather large given
20:39
Speaker 1: in my master's degree. But I will credit my mum
20:42
Speaker 1: for that one, because I remember watching a news story
20:45
Speaker 1: with her one morning. It was about credit cards, and
20:48
Speaker 1: she was telling me how terrible they were, and I
20:50
Speaker 1: remember at that moment at like five, I was like, no,
20:53
Speaker 1: I'm never having one of those. So shout out to
20:56
Speaker 1: mum for that.
20:57
Speaker 3: Shout out to five year old you for making the
20:59
Speaker 3: decisions not get a credit card when you're older, Like
21:01
Speaker 3: that is not what I was thinking of when I
21:04
Speaker 3: was five. I think I was just convinced that one
21:06
Speaker 3: day I would meet the red Wiggle. So you are
21:09
Speaker 3: definitely miles ahead of me thinking about credit cards. It
21:12
Speaker 3: makes absolute sense that you're in such a good position. Now.
21:15
Speaker 3: Talk to me about your mortgage though, I want to
21:18
Speaker 3: know how much is left on that and how you're
21:20
Speaker 3: paying it off.
21:20
Speaker 1: Definitely. So it's literally just started. So we're actually moving
21:24
Speaker 1: in next week.
21:25
Speaker 3: Oh my gosh, exciting. Welcome to debt life.
21:30
Speaker 1: Oh yeah, it's very chaotic at the moment. So we've
21:33
Speaker 1: got quite a small mortgage. It's only three hundred and
21:36
Speaker 1: fifty K, and we got about twenty percent of it
21:40
Speaker 1: through the Victorian Home by a scheme as well, so
21:43
Speaker 1: we actually got a significant reduction in our interest rate
21:46
Speaker 1: and we didn't have to pay stamp duty because we're
21:48
Speaker 1: in Victoria. So we were so lucky in getting this mortgage.
21:52
Speaker 3: So money Diarist before you said, you use the Victorian
21:55
Speaker 3: home by a fund, which I actually think is really
21:57
Speaker 3: important to mention here because you one of your goals
22:00
Speaker 3: is to pay off your mortgage as soon as possible,
22:03
Speaker 3: and obviously for some people that actually isn't the best
22:06
Speaker 3: financial decision, but for you it definitely is going to
22:09
Speaker 3: be because this fund actually enables you to have like
22:12
Speaker 3: a five percent deposit and then the Victorian government could
22:15
Speaker 3: or can contribute up to twenty five percent of the
22:18
Speaker 3: purchase price in exchange for an equivalent share of the property,
22:21
Speaker 3: which means with this scheme, you probably want to pay
22:24
Speaker 3: back your mortgage asap so that you can buy the
22:26
Speaker 3: government out. Is that right?
22:28
Speaker 1: Yep, that's basically it. So we got about twenty percent
22:32
Speaker 1: of our mortgage through this scheme and we actually have
22:36
Speaker 1: to live in it full time until we've paid the
22:38
Speaker 1: government out of it, so that is one of our
22:40
Speaker 1: biggest goals to pay off that. It's about eighty five
22:43
Speaker 1: thousand dollars for us, So to get that paid off
22:46
Speaker 1: so that we can actually move overseas eventually as the goal.
22:50
Speaker 1: So that's definitely the plan at the moment. But still
22:53
Speaker 1: it's an amazing scheme for us in our position at
22:56
Speaker 1: the same time.
22:56
Speaker 3: Yeah, how did you learn about that? I feel like
22:59
Speaker 3: this is why one of the lesser conversed about schemes.
23:03
Speaker 3: And when you mentioned it, I was like, Oh, do
23:04
Speaker 3: you mean the first home Buyer scheme or do you
23:06
Speaker 3: mean the fund? I mean you were definitely talking about
23:09
Speaker 3: the fund, So I want to know more. Let's use
23:11
Speaker 3: this time to educate the community. How did you get involved,
23:14
Speaker 3: how did you sign up, and how did you decide
23:16
Speaker 3: that it was the right thing for you guys.
23:18
Speaker 1: So it's actually a very funny story how we found
23:21
Speaker 1: out about it. So we actually thought that we were
23:24
Speaker 1: going to apply for the wider federal government first home
23:28
Speaker 1: Buyer Scheme, and we really wanted to go with a
23:31
Speaker 1: particular bank that suited our kind of like environmental and
23:35
Speaker 1: ethical stance. So we reached out to this bank. I
23:38
Speaker 1: thought we were applying for the scheme, and then they
23:41
Speaker 1: came back and all the documents were saying the Victorian
23:44
Speaker 1: Home buy A Fund and we were like, that sounds
23:46
Speaker 1: a little bit different. What are we applying for here?
23:51
Speaker 1: And then we looked into it and we were like, oh,
23:53
Speaker 1: for our circumstances, this is way better than what we
23:56
Speaker 1: would have been getting with the other scheme, so it
23:59
Speaker 1: worked out really well for us. And because we're buying
24:02
Speaker 1: an apartment, the value of our property isn't going to
24:07
Speaker 1: go up significantly like a house might, so we're not
24:09
Speaker 1: as stressed about the government owning a percentage of the
24:12
Speaker 1: property as what we might be if it was a house.
24:15
Speaker 1: So it does work really well for us in the
24:17
Speaker 1: stance where we've got such a small mortgage and a
24:20
Speaker 1: property that blackly won't go up too much in the
24:23
Speaker 1: next five ten years.
24:25
Speaker 3: Yeah, And I feel like that's a really valid consideration
24:27
Speaker 3: because that's one of the things that I was like, Oh,
24:29
Speaker 3: I'm not sure how much I want the government to
24:31
Speaker 3: own my property, given in my area. Honestly, so many
24:35
Speaker 3: houses have gone up by like two hundred thousand dollars
24:37
Speaker 3: in the last three or four years, So for me,
24:39
Speaker 3: I was like, Oh, that's risky because then I'd owe
24:41
Speaker 3: them more. And I feel like you have approached it
24:44
Speaker 3: really smartly in saying that I'm glad it worked out
24:47
Speaker 3: well for you. But this is a very good lesson
24:49
Speaker 3: that you should never go straight to a bank, and
24:50
Speaker 3: you absolutely should go to a mortgage broker and have
24:53
Speaker 3: a chat to them. Obviously I'm being a bit biased here.
24:57
Speaker 3: I own Zella Money and I adore the brokers there,
25:00
Speaker 3: but they would teach you all of this and put
25:02
Speaker 3: you on the right track to get into the right
25:04
Speaker 3: scheme and even apply for you. So if you've been
25:06
Speaker 3: thinking about it, definitely get in contact with a broker
25:08
Speaker 3: because it will be one of the best things that
25:10
Speaker 3: you can do. I mean, I'm glad it worked out
25:12
Speaker 3: for you, though Money direst it sounds like it was
25:14
Speaker 3: a perfect outcome.
25:15
Speaker 1: Yeah, it definitely worked out well. But considering the stress
25:19
Speaker 1: of filling out different documents and trying to think of
25:22
Speaker 1: where things are at in application processes, I would also
25:26
Speaker 1: recommend going to the broker, and I will next time.
25:30
Speaker 3: I love that, all right, Moving on, I want to
25:32
Speaker 3: know if you're shopping online, do you currently use shop back?
25:36
Speaker 1: So I actually use shot back for the first time
25:40
Speaker 1: about three weeks ago.
25:41
Speaker 3: What a queen was it? Because you knew you were
25:43
Speaker 3: going to get asked this question on the podcast?
25:45
Speaker 1: No, No, I promise it wasn't. I actually wanted to
25:49
Speaker 1: buy some new swimwear and I usually don't shop online
25:52
Speaker 1: very often, but I have heard so much good things
25:55
Speaker 1: about shot back through the pod and I went on
25:58
Speaker 1: just to kind of suss out type of swimmers I
26:01
Speaker 1: could find, and I ended up finding a pair that
26:03
Speaker 1: I really liked, and I think I saved about twenty.
26:05
Speaker 3: Dollars, so I was like, great, oh money win.
26:07
Speaker 1: It was perfect.
26:08
Speaker 3: I mean, it sounds a bit ballsy of you to
26:10
Speaker 3: be buying swimwear online. I don't think I could ever
26:13
Speaker 3: do that. Swimwear shopping is my worst thing, like it
26:16
Speaker 3: is the worst. I hate swimwear shopping. But to think
26:18
Speaker 3: that I couldn't try it on beforehand, Like my friend
26:21
Speaker 3: props to you. You deserved that discount one thousand percent.
26:25
Speaker 3: I want to know, next, though, what is your best
26:27
Speaker 3: money habit?
26:30
Speaker 1: So I would actually say that my best money habit
26:32
Speaker 1: stems from when I was younger and we didn't have
26:35
Speaker 1: a lot of disposable income, in that I'm not really
26:38
Speaker 1: a big spender. It used to be probably a little
26:41
Speaker 1: bit more of a toxic trait in that I would
26:43
Speaker 1: never spend any money on myself. But I've got to
26:46
Speaker 1: a point where I really only just buy the things
26:49
Speaker 1: that I want. So I bought swimmers because I genuinely
26:52
Speaker 1: needed them, and I also get all of my clothes,
26:56
Speaker 1: I'd say about ninety five percent of my clothes from
26:58
Speaker 1: op shops, which my mum instilled in me when I
27:01
Speaker 1: was young. I like to say that I was op
27:02
Speaker 1: shopping before it was trendy, and it's easily one of
27:05
Speaker 1: my best money habits. I find so many bargains, it's amazing.
27:08
Speaker 3: I love that. I feel like it takes a lot
27:11
Speaker 3: of time, though, to like find the right outfits. What
27:14
Speaker 3: are your best hacks for going op shopping.
27:18
Speaker 1: Or I have so many good hacks. So you've got
27:19
Speaker 1: to find which op shops kind of suit your particular style,
27:24
Speaker 1: which I know sounds a bit extreme, but you'll get
27:27
Speaker 1: a vibe when you figure out which op shops are
27:29
Speaker 1: around you, which ones kind of stock certain things. And
27:33
Speaker 1: my biggest tip actually is to have an idea in
27:35
Speaker 1: mind what you actually want. I think when people go
27:37
Speaker 1: op shopping, they just think it's an op shop, so
27:40
Speaker 1: I'll just kind of pick up what I could find.
27:42
Speaker 1: But if you go in with like a mentality of
27:44
Speaker 1: I really want a new skirt, you know what colors
27:47
Speaker 1: you like to wear, you know what style you like
27:49
Speaker 1: to wear, it's just so much easier to just flick
27:52
Speaker 1: through the shelves, figure out and then just go from there.
27:55
Speaker 1: It makes it much quicker, and you're more likely to
27:57
Speaker 1: find those like really high quality items that will last
28:01
Speaker 1: you ages and only cost you like ten dollars.
28:03
Speaker 3: Yeah, money whin. I love that? All right, Well, let's
28:06
Speaker 3: take the mood down a little bit. I now want
28:08
Speaker 3: to know what is your worst money habit.
28:10
Speaker 1: So my worst money habit is easily spending way too
28:14
Speaker 1: much money on food, which I think seems to be
28:16
Speaker 1: quite a common theme for money diarist.
28:18
Speaker 3: I can resonate with that too, Let's be honest.
28:20
Speaker 1: Yeah, I spend nearly i'd say eighty percent of my
28:24
Speaker 1: social money in my social basket each week just on food,
28:28
Speaker 1: take out, all that kind of thing. It's something that
28:31
Speaker 1: I'm really trying to work on, trying to put in place,
28:34
Speaker 1: things like going for a picnic as opposed to going
28:37
Speaker 1: out for dinner with my partner and spending ninety dollars
28:39
Speaker 1: just on dinner. But yeah, it's a tough one, especially
28:42
Speaker 1: after a big week at work, easy to just want
28:44
Speaker 1: to go out, especially with daylight saving makes it so
28:47
Speaker 1: much harder.
28:47
Speaker 3: Oh it does, doesn't it. I have been so guilty
28:50
Speaker 3: of that now I'm like, oh, well, why don't we
28:52
Speaker 3: just pop out for a wine on a Thursday night.
28:54
Speaker 3: It's still so light, it's still so nice, And then
28:56
Speaker 3: my bank accounts so like, why, Victoria.
28:59
Speaker 1: Why one hundred percent? Yeah?
29:02
Speaker 3: All right, last question before we go to a really
29:04
Speaker 3: quick break, I want to know what grade would you
29:06
Speaker 3: give your money habits if we forced you to give
29:08
Speaker 3: yourself a grade.
29:10
Speaker 1: I think at the moment, I would probably give myself
29:13
Speaker 1: maybe like a C C plus. But I'm really hoping
29:17
Speaker 1: that by the time I can get on top of
29:19
Speaker 1: my investments, now that I'm in a full time, steady
29:22
Speaker 1: income and I've got this lovely mortgage in my life,
29:26
Speaker 1: I'm hoping that by the end of this year, I
29:27
Speaker 1: want to be able to say that I'm more of
29:29
Speaker 1: a B.
29:30
Speaker 3: I love that. What would it take to get you
29:32
Speaker 3: even higher?
29:34
Speaker 1: I think even higher than that would be having really
29:39
Speaker 1: steady investing money going in, but also having a balance
29:44
Speaker 1: between not getting too fixated on just building that. Having
29:48
Speaker 1: money going towards travel and other things as well. I
29:51
Speaker 1: think would really build me up, and I'd be happier
29:53
Speaker 1: to say it was more of a B or an A.
29:55
Speaker 3: I feel like you're on the right path. Though sometimes
29:58
Speaker 3: when I ask money diarists what it would take, they
30:01
Speaker 3: have these big, extraordinary plans that you know, they're not
30:03
Speaker 3: currently implementing. I feel like you're definitely en route to
30:07
Speaker 3: that outcome, So let's leave it there. We are going
30:10
Speaker 3: to go to a really quick break, and then afterwards,
30:13
Speaker 3: I'm going to take you all the way back to
30:14
Speaker 3: the start of this money diary when you mentioned scarcity mindset,
30:17
Speaker 3: because I want to deep dive into that. Don't go anywhere, guys,
30:24
Speaker 3: all right, we are back money Diarist. I am really
30:28
Speaker 3: excited to ask you about this because it is something
30:30
Speaker 3: that I have spoken about a lot historically, but I
30:32
Speaker 3: haven't recently, so I want to dive back into it.
30:36
Speaker 3: You mentioned before that until you listened to the pod,
30:40
Speaker 3: you hadn't really identified that you kind of grew up
30:42
Speaker 3: with a scarcity mindset, and I feel like this is
30:45
Speaker 3: a mindset that is really common in our community and
30:49
Speaker 3: not often identified, and when it is, you feel a
30:51
Speaker 3: lot more powerful. Can you tell me maybe a little
30:54
Speaker 3: bit about where your scarcity mindset came from and what
30:58
Speaker 3: it meant to be able to identify how that's impacted you.
31:02
Speaker 1: Definitely, so as I mentioned. When I was growing up,
31:06
Speaker 1: we definitely weren't super well off. My parents both worked
31:10
Speaker 1: very just kind of average jobs, I guess in terms
31:14
Speaker 1: of income, and they were doing their best raising three kids,
31:19
Speaker 1: working really long hours and just getting us by, and
31:24
Speaker 1: in general, I never felt like I was going without.
31:27
Speaker 1: But at the same time, I knew that I didn't
31:30
Speaker 1: have the money that my friends had, if that makes sense.
31:34
Speaker 1: So like friends would go on extravagant holidays or always
31:37
Speaker 1: have like new surf brand gear, which was really cool
31:40
Speaker 1: when I was younger.
31:41
Speaker 3: Ah, it was cool when I was younger too, Like
31:43
Speaker 3: it was hot topic in my family to get a
31:45
Speaker 3: rip curl pencil case because I didn't have one, and
31:48
Speaker 3: it's all I wanted, and it was like my favorite
31:51
Speaker 3: Christmas present one year. So I resonate with that.
31:54
Speaker 1: Yep, and that was like the big thing. And I
31:56
Speaker 1: really just kind of got used to knowing that I
31:59
Speaker 1: wouldn't like my mum if I could have a particular
32:02
Speaker 1: jacket from the surf Store and I couldn't have the
32:05
Speaker 1: brand name Musleybars, we would get the home brand ones.
32:08
Speaker 1: And I never thought too much about it until I'd
32:12
Speaker 1: say my first two years of UNI, when I would
32:15
Speaker 1: be with my partner in a shopping center and he
32:18
Speaker 1: would be buying like a new shirt or something that
32:20
Speaker 1: would say eighty dollars, and I would just freeze and
32:23
Speaker 1: be like, how could you spend eighty dollars on a shirt?
32:27
Speaker 1: Like I would just be horrified. And he always used
32:30
Speaker 1: to mention like, like, are you okay, Like that's weird
32:33
Speaker 1: that you're freaking out about this, and I feel like, no,
32:36
Speaker 1: you're just like you shouldn't spend all this money. And
32:39
Speaker 1: it probably wasn't until I'd say I properly started listening
32:43
Speaker 1: to the podcast and hearing some of the episodes about
32:47
Speaker 1: kind of how your childhood changes your money story, and
32:50
Speaker 1: I was like, oh, that clicks in. Maybe that's why
32:54
Speaker 1: I'd never let myself kind of go on that trip,
32:57
Speaker 1: or maybe that makes sense why I've never really bought
33:00
Speaker 1: myself like that new dress when I really wanted something,
33:03
Speaker 1: or kind of just missed out on things that I
33:05
Speaker 1: didn't need to even when I did have the money,
33:08
Speaker 1: and always having that fear of like, if you make
33:10
Speaker 1: this decision, it's gone then and then money's gone forever,
33:14
Speaker 1: and it was always so scary. So I think the
33:17
Speaker 1: power in just Recognizing that you have that mindset is
33:20
Speaker 1: so important to then be able to overcome it and
33:24
Speaker 1: just kind of change the way that I view money,
33:28
Speaker 1: which is a slow thing. It's definitely not overnight, but
33:31
Speaker 1: I can tell that it's changed significantly even in the
33:33
Speaker 1: last like five six years.
33:35
Speaker 3: I love that, and I love that you've been able
33:37
Speaker 3: to identify it and kind of go, well, that doesn't
33:40
Speaker 3: have to be the way that I live my life
33:42
Speaker 3: in the future. I mean, it doesn't mean you need
33:44
Speaker 3: to go out and buy eighty dollar shirts for yourself
33:46
Speaker 3: now to justify it and say that you're over it.
33:48
Speaker 3: But it definitely is really good to identify because I
33:51
Speaker 3: feel like it opens you up to have more of
33:53
Speaker 3: a growth mindset, and that's what you need to be
33:56
Speaker 3: able to create wealth. And like it sounds like you're
33:58
Speaker 3: on the track to do that. You've thought about what
34:01
Speaker 3: it looks like in the rental market and decided to
34:03
Speaker 3: buy a property and found the best outcome for you,
34:05
Speaker 3: and I feel like you're killing it, and I'm very
34:08
Speaker 3: excited to whatch you grow. I want to go back
34:11
Speaker 3: and actually want to talk about your dad. He sounds
34:13
Speaker 3: like a really special human. Obviously you adored him to
34:16
Speaker 3: spend one week every single month with him. But I
34:20
Speaker 3: want to know how that took a bit of a
34:22
Speaker 3: toll on you financially, because to say I'm going to
34:25
Speaker 3: travel to my family home and spend a week there
34:28
Speaker 3: every single month like that, obviously isn't the easiest decision
34:32
Speaker 3: to make, and I would argue might have been a
34:35
Speaker 3: bit financially taxing. Can you talk to us about how
34:38
Speaker 3: you made that decision and how you supported yourself during
34:41
Speaker 3: that time.
34:43
Speaker 1: Yeah, so it was definitely a huge financial I don't
34:48
Speaker 1: want to say burden, because it wasn't a burden.
34:50
Speaker 3: It's the wrong word. Isn't an impact?
34:52
Speaker 1: Yeah, it definitely had a huge financial impact in terms
34:55
Speaker 1: of draining the little savings that I did have, and
34:59
Speaker 1: inter of having to put off part time hours because
35:02
Speaker 1: I was working part time while I'm doing my Masters
35:05
Speaker 1: to travel. But the funny thing was there was never
35:09
Speaker 1: a decision. I never made a decision about it. I
35:14
Speaker 1: literally got that original phone call from my mum to say,
35:18
Speaker 1: this time we've found out there's only a few months
35:20
Speaker 1: to go. And I actually had work on that day.
35:23
Speaker 1: I had a workshop that I was running for this
35:25
Speaker 1: volunteering that I did and I just texted everyone that
35:29
Speaker 1: I was doing things with the next few days and said, look,
35:32
Speaker 1: this has happened. I have to go. And all of
35:34
Speaker 1: a sudden, my whole schedule was cleared, and it was just,
35:38
Speaker 1: in itself, a really profound moment of Oh, my goodness,
35:42
Speaker 1: all of this stuff that I put so much energy into.
35:44
Speaker 1: It's important, but it's not the most important thing to
35:48
Speaker 1: me that my schedule can be cleared that quickly, and
35:50
Speaker 1: that people are so understanding, And yeah, I genuinely never
35:55
Speaker 1: made the decision as such. It was just I need
35:58
Speaker 1: to be there for my family. Lucky enough that I'm
36:01
Speaker 1: in a casual job so I have that flexibility, which
36:04
Speaker 1: I wouldn't have if it had been this year, so
36:06
Speaker 1: it would have been a whole different story. And I
36:09
Speaker 1: had that supportive friends and my partner and my family.
36:13
Speaker 1: When I did have particular financial struggles, my partner stepped
36:17
Speaker 1: up or my family stepped in a couple of times
36:19
Speaker 1: as well. So I was genuinely so lucky as well
36:23
Speaker 1: going through that.
36:24
Speaker 3: I love to hear that you're I guess so like, oh,
36:27
Speaker 3: it wasn't really a decision. It kind of just happened
36:30
Speaker 3: because in most circumstances. This is how it happens. It
36:33
Speaker 3: kind of like creeps up and then life has changed,
36:35
Speaker 3: and then you're doing it every single month, and it
36:37
Speaker 3: makes sense and I'm really glad you had that time.
36:40
Speaker 3: But also, what would you say to people who are
36:42
Speaker 3: going through a bit of a hard time with parents
36:45
Speaker 3: that might not be well. I feel like that's something
36:48
Speaker 3: that in our community recently, I've seen a lot of
36:50
Speaker 3: people going, oh my gosh, what can I do? How
36:52
Speaker 3: can I support? And most of the time it's quality time, right,
36:56
Speaker 3: But what would you say to people going through a
36:58
Speaker 3: similar circumstance.
37:00
Speaker 1: I think what both of my parents appreciated the most
37:04
Speaker 1: was kind of what you just said, that quality time,
37:07
Speaker 1: just being they're just helping with cooking a meal here
37:11
Speaker 1: and there. My parents ran a business together, so my
37:14
Speaker 1: mum was trying to do it all her own, just
37:16
Speaker 1: helping out with random little bits. They're just like all
37:19
Speaker 1: the little things. Even being the person that kind of
37:22
Speaker 1: fields all of the well wishers who might be a
37:25
Speaker 1: bit overwhelming and kind of playing that role as well,
37:29
Speaker 1: but also taking a moment to look after your own
37:32
Speaker 1: mental health is really important. Through that. I think sometimes
37:35
Speaker 1: as the kids we feel a responsibility to shelter our
37:39
Speaker 1: parents and sometimes take on too much baggage. And I
37:41
Speaker 1: know I was doing that for my mum and I
37:44
Speaker 1: wouldn't change it, but having then my own support system
37:47
Speaker 1: was absolutely essential as well.
37:50
Speaker 3: Oh my gosh, I definitely can understand that, and I'm
37:53
Speaker 3: glad that you are pointing out mental health there, because
37:56
Speaker 3: as much as you're caring so much for somebody else,
37:58
Speaker 3: you do also have to take a little bit of
38:00
Speaker 3: time to fill up your own cup to make sure
38:02
Speaker 3: you can keep pouring some out. So I have loved
38:05
Speaker 3: this money Diary. Thank you so much for joining us,
38:09
Speaker 3: So I feel like this is probably a good place
38:10
Speaker 3: to leave it because I have taken up more than
38:12
Speaker 3: enough of your time. But Money direst, thank you so
38:15
Speaker 3: much for joining us. As always, I am super, super
38:18
Speaker 3: grateful to be able to share stories like yours on
38:20
Speaker 3: ol pod.
38:21
Speaker 1: Thanks very much for having me.
38:22
Speaker 3: Oh my gosh. No, of course we will see you
38:25
Speaker 3: guys on Wednesday. The advice shared on She's on the
38:33
Speaker 3: Money is general in nature and does not consider your
38:36
Speaker 3: individual circumstances. She's on the Money exists purely for educational
38:41
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38:43
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38:50
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