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Taking Control Of Your Finances In Your 30s · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order
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Speaker 1: Order Kerni Whoaltbury and a waddery woman. And before we
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Speaker 1: get started on She's on the Money podcast, I would
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Speaker 1: like to acknowledge the traditional custodians of the land of
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Speaker 1: which this podcast is recorded on a wondery country, acknowledging
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Speaker 1: the elders, the ancestors and the next generation coming through.
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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
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Speaker 1: the storytelling of you to make a difference for today
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Speaker 1: and lasting impact for tomorrow.
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Speaker 2: Let's get into it.
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Speaker 3: She's on the Money, She's on the Money.
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Speaker 4: Hello, and welcome to She's on the Money Podcast. Millennials
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Speaker 4: who want financial freedom. Welcome back to another money diary
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Speaker 4: where I get the absolute privilege of sitting down with
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Speaker 4: one of our She's on the Money community members and
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Speaker 4: asking them all the pervy details about their money story.
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Speaker 4: Quick side note before we dive in, I'm just giving
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Speaker 4: you a heads up our money diaries this week comes
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Speaker 4: from a very rural area and there are a few
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Speaker 4: moments where the Internet has caused some crackling in the audio,
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Speaker 4: which I know is super frustrating. It happens mostly in
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Speaker 4: the beginning, but trust me, it's worth sticking around for
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Speaker 4: because there are so many amazing insights in this money Diary,
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Speaker 4: and I can't wait to share it with you. Crackle
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Speaker 4: and all. Let's jump straight into it, because this week
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Speaker 4: I got an email and it sounded like this, dear,
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Speaker 4: she's on the money. Growing up, my family lived their
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Speaker 4: champagne life on a beer budget. I was a successful
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Speaker 4: child model, and it wasn't until I was older I
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Speaker 4: realized my parents had been using my earnings to pay
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Speaker 4: for our lifestyle and there was none of it left.
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Speaker 4: Despite having no financial role model and not being able
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Speaker 4: to work because of a lack of childcare where I lived,
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Speaker 4: I was in an okay position as my husband had
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Speaker 4: a good job. That was until life took a turn
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Speaker 4: and his health issues forced me to become the sole breadwinner.
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Speaker 4: At thirty six, navigating life with ADHD, I'm determined to
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Speaker 4: break free from the financial trauma my parents passed down
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Speaker 4: to me. Starting your masterclass, I was brought to tears
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Speaker 4: by the first module. Now I'm on a mission to
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Speaker 4: rewrite my financial story and build the future. I deserve money, Diarist.
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Speaker 4: That's a lot going on, isn't it. I know that
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Speaker 4: sounds heartbreaking to have done work and I mean, yes,
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Speaker 4: you were a child, but like to have done work,
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Speaker 4: and I'm assuming you just thought that was being put
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Speaker 4: in an account for later to find out there was
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Speaker 4: none of it, Like what was that?
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Speaker 2: Like?
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Speaker 5: I think for me, I didn't fully understand why they
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Speaker 5: did it. But they also went through a period of
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Speaker 5: job loss, mortgage rates being at a in to twenty
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Speaker 5: percent when they bought their home, and just raising three
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Speaker 5: kids with income would have been challenging. But at the
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Speaker 5: same time, they never made us feel like we were
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Speaker 5: going without.
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Speaker 4: Yeah, so it kind of went on the family. It
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Speaker 4: wasn't there being cheeky or rude. They were kind of like, ah,
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Speaker 4: this is income coming into our business or you know,
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Speaker 4: our home.
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Speaker 2: Yeah.
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Speaker 4: I feel like it's a fickle position to be in
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Speaker 4: because I think if you and I sat down and said,
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Speaker 4: you know, if a child owns money, whose is it,
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Speaker 4: I think we'd both be like, well, it's the child's
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Speaker 4: it needs to put in an account for them. But
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Speaker 4: like at the time, I'm sure that that was just
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Speaker 4: maybe not part of the conversation, Like I feel like
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Speaker 4: it wasn't until now that we are really prioritizing creating
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Speaker 4: wealth for future generations through their own savings and their
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Speaker 4: own investments. It's always exactly Yeah, a fickle conversation to have.
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Speaker 4: I want to learn so much more about you, at
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Speaker 4: least is so pervy. But let's start with the question.
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Speaker 4: I always start with money, Darist. What would you give
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Speaker 4: yourself if I asked you to grade your money habits
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Speaker 4: from an A through to F today?
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Speaker 2: Probably a D.
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Speaker 5: So I am really good with budgeting, really good with
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Speaker 5: things on paper, but the adsh side of my brain
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Speaker 5: likes to be the spender in the relationships.
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Speaker 4: So yeah, it's like having an alter ego. She's a
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Speaker 4: little bit spendy. I get it, I get it. Yeah,
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Speaker 4: money Dorist, I want to know more about your money story.
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Speaker 4: I feel like there's a very interesting story. As you said,
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Speaker 4: you've packed a lot into your thirty six years. Can
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Speaker 4: you tell me a bit more about that journey?
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Speaker 2: So?
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Speaker 5: I have worked full time since I was about sixteen.
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Speaker 5: The only time that I haven't worked is when I
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Speaker 5: had my daughter and became.
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Speaker 2: A single mum.
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Speaker 5: So lived off Senlink benefits for a little while, then
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Speaker 5: met my husband and lost all of those senalink benefits.
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Speaker 2: Because was too high. Then lack of childcare, I just
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Speaker 2: saw may not work, so we just made it work.
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Speaker 4: Oh my gosh. I feel like working since sixteen is
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Speaker 4: very relatable for a lot of us. I want to
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Speaker 4: know more about this journey of becoming a single mom,
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Speaker 4: and then not being a single mom and now becoming
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Speaker 4: the breadwinner. What led you to becoming the bread winner
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Speaker 4: in your family.
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Speaker 5: My husband kept making sacrifices for us when we met.
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Speaker 5: So if that meant I didn't have to find a job,
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Speaker 5: he didn't let me find a job and didn't tell
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Speaker 5: me I needed to find a job. If it meant
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Speaker 5: that we could go away on the weekend or I
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Speaker 5: could see my friends, he wouldn't make it happen. So
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Speaker 5: when he had health issues, I knew that that was
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Speaker 5: my chance to repay the favor, and I was very
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Speaker 5: fortunate to go back to my pre child job. So
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Speaker 5: it was the job that I love and I'll do
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Speaker 5: till retirement. But it just took a little while to
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Speaker 5: get back there.
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Speaker 4: Yeah, that's very fair. I want to know a bit
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Speaker 4: more about this. I mean, ADHD is something that I
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Speaker 4: have and I have been working with since I was
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Speaker 4: like seventeen when I found out, And I feel very
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Speaker 4: grateful that I got what I would call an early diagnosis,
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Speaker 4: especially in the space where women are usually either not
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Speaker 4: diagnosed or diagnosed really late. I feel like I've been
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Speaker 4: able to use this as kind of like a superpower.
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Speaker 4: And I know what medication can do, and I know
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Speaker 4: how you know this impacts me. And because of all
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Speaker 4: of that and all the research and the information I
6:29
Speaker 4: guess surrounding it, I feel like I've been in the
6:32
Speaker 4: best possible position. When did you find out that you
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Speaker 4: had ADHD? And the second you found out did you go?
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Speaker 4: Everything just makes sense now.
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Speaker 5: I found out when I was thirty five. So just
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Speaker 5: before my birthday last year, I found out. I had
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Speaker 5: a performance review with my boss at work and she
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Speaker 5: was diagnosed with ADHD and said, you are literally doing
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Speaker 5: everything that I do. Go and get tested. And I did.
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Speaker 5: And my best friend, who is a GP, said, I
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Speaker 5: can't believe, after all these.
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Speaker 2: Years, you finally have a diagnosis.
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Speaker 5: Imagine how how different your life would be if you
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Speaker 5: found out at fifteen or sixteen.
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Speaker 4: Legitimately, like it's something that now you look back on it,
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Speaker 4: do you go, oh my god, this makes so much
7:20
Speaker 4: more sense, like as to why I struggled in these
7:23
Speaker 4: areas or this was really hard, or I just couldn't
7:26
Speaker 4: seem to catch up with where everybody else was at,
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Speaker 4: Like is that something that you're still, I guess grappling with,
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Speaker 4: because I would be frustrated. Like I even remember when
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Speaker 4: I was diagnosed, albeit very early at seventeen, I still
7:39
Speaker 4: remember being like, are you saying that school wasn't meant
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Speaker 4: to be as hard as it was? Are you saying
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Speaker 4: that no one else was having these struggles with motivation?
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Speaker 4: No one else was having these struggles with just getting it?
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Speaker 4: Like I'd remember being quite frustrated, But I can imagine
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Speaker 4: that that would be only amplified if I found out
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Speaker 4: at thirty five.
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Speaker 5: Yeah, one thing for me was the amount of jobs
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Speaker 5: that I went through after I had my daughter. It
8:03
Speaker 5: was a good amount in like five years, and it
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Speaker 5: was just that I didn't feel like I fitted in anywhere.
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Speaker 2: So that would be my biggest thing.
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Speaker 5: If I just chosen the industry that I'm in now,
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Speaker 5: straight up, it would be very different to having like
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Speaker 5: thirty jobs over my thirty six years.
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Speaker 4: But you just don't know what. You don't know exactly like,
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Speaker 4: there's no way that you would have been able to
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Speaker 4: predict that. And obviously, for those of you who don't
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Speaker 4: have ADHD, you might be going, well, how does that
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Speaker 4: impact you? ADHD manifests so differently in women than in
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Speaker 4: men that often we internalize a lot of it and
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Speaker 4: mask our behavior and we just from the outside looking in,
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Speaker 4: you might go, no, she absolutely doesn't have ADHD, and
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Speaker 4: that's us being really good at masking it. I'm interested
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Speaker 4: to hear that your best friend was a GP though
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Speaker 4: did she see it or did she go, oh my gosh,
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Speaker 4: this makes so much sense, or like, what was that conversation.
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Speaker 5: Like she said to me, Oh my god, this makes
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Speaker 5: so much sense. Imagine the jobs you could have not done,
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Speaker 5: Imagine the boyfriends you could have not had. She's very
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Speaker 5: straight to the point and very blunt, and that's why
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Speaker 5: we're best friends.
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Speaker 4: I love her. I love her. What an icon? And
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Speaker 4: now what's life like that? You know you have ADHD?
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Speaker 4: Like you've obviously been diagnosed, Like, where on this journey
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Speaker 4: are you at?
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Speaker 5: I am now at the point where I have realized
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Speaker 5: that I have ADHD and it's not a bad thing.
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Speaker 5: Twelve months ago I went through a bit of a
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Speaker 5: midlife crisis because I was trying to trying to navigate
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Speaker 5: this whole new thing and trying to work out what
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Speaker 5: I was doing good, what I was doing bad. But
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Speaker 5: fortunately for me, the job that I have gives me
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Speaker 5: my little jop I meane hit, So it never really
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Speaker 5: came about in the very random ways that it does.
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Speaker 2: In my job.
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Speaker 4: So very cool. I love that you found something that
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Speaker 4: fits with you. So now I want to know what
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Speaker 4: do you do for work? How much are you earning
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Speaker 4: as the breadwinner in your family currently?
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Speaker 5: So I work for a national equipment hire company. My
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Speaker 5: income at the moment is just over seventy thousand a year,
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Speaker 5: but hopefully in the next felve months will go up
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Speaker 5: to about eighty or ninety.
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Speaker 4: Yeah cool, Why is that going to go up?
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Speaker 5: I am doing a leadership program, I cool, will hopefully
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Speaker 5: take over managing an area of my business, which will
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Speaker 5: be really cool.
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Speaker 2: I love that.
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Speaker 4: So tell me more about this leadership program. Are your
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Speaker 4: work funding it for you or is this self funded
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Speaker 4: or how did that come about?
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Speaker 2: No work, work funded, which is amazing.
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Speaker 5: And they essentially it's a nomination based program where they
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Speaker 5: see good and bad in the business and it's just
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Speaker 5: a way of getting women especially involved because our industry
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Speaker 5: is very male dominated.
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Speaker 4: I can imagine equipment higher being quite masculine. Do you
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Speaker 4: work with lots of women like you said that it's
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Speaker 4: a male dominated industry. Is that the same for your
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Speaker 4: workplace or what does that look like day to day?
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Speaker 5: Yeah, it's definitely the same for my workplace. I have
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Speaker 5: a male boss now I used to have a female boss,
11:19
Speaker 5: and I have a male mechanic and male salespeople, so
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Speaker 5: it is very male dominated. Plus the industries that we
11:28
Speaker 5: deal with where I live are very male dominated as well.
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Speaker 4: Yeah, wow wow, I feel like that would be a
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Speaker 4: lot as well as going through this ADHD diagnosis, You're
11:38
Speaker 4: just like, oh my gosh, my life has been sent
11:40
Speaker 4: into a spin. No longer do I know exactly who
11:42
Speaker 4: I am. I'm finding out who she is. But there
11:45
Speaker 4: are a lot of people who probably don't understand to
11:47
Speaker 4: this journey to begin with that are surrounding me.
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Speaker 2: Yeah.
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Speaker 4: One, like, there's just not that level of support you
11:54
Speaker 4: deserve right now. So I definitely can see that money diarist.
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Speaker 4: I want to know you setting your email in and
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Speaker 4: I thought this was the sweetest thing ever and I
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Speaker 4: really want to know more about it, you said, starting
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Speaker 4: your masterclass. I was brought to tears by the first module. Now,
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Speaker 4: the first module I really talk about like your money
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Speaker 4: story and what that means to you, and how important
12:14
Speaker 4: it is to set goals one. Why did that make
12:17
Speaker 4: you cry? What's that like? And to tell me about
12:20
Speaker 4: these goals? What are we working towards?
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Speaker 5: Growing up, I didn't have very good habits around money.
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Speaker 5: So I had my parents who would obviously spend quite
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Speaker 5: big and they would get finance for everything humanly possible
12:37
Speaker 5: that you could imagine. Then, moving eight hundred and something
12:43
Speaker 5: kilometers away from my home and everything that I knew.
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Speaker 2: Again struggled with what needed to do so for me.
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Speaker 5: I didn't really understand what values I had around money
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Speaker 5: and what aspect of money needed to change in my
13:01
Speaker 5: life until I met my husband.
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Speaker 4: And what does that look like?
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Speaker 2: Now?
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Speaker 5: We have two amazing little children and we basically want
13:11
Speaker 5: to give them everything that we can, so we make
13:16
Speaker 5: everything about family. We make sure that we give our
13:20
Speaker 5: kids experiences instead of materialistic things. We make sure that
13:28
Speaker 5: we tell them that we love them. We make sure
13:31
Speaker 5: that we show them how expensive things are so they
13:35
Speaker 5: can understand the value of money from an early age
13:39
Speaker 5: instead of getting to the point of me where I
13:44
Speaker 5: was fifteen and not having a clue about money. With
13:49
Speaker 5: my daughter, she is starting to lose her teeth and
13:52
Speaker 5: she saves up her truth fairy money for our holidays.
13:57
Speaker 5: So she's got big goals of overseas holidays.
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Speaker 2: Oh, I love this, which is really sweet, Like, you know,
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Speaker 2: I want our.
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Speaker 5: Kids to have those experiences because I missed out on
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Speaker 5: those as a child.
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Speaker 4: I feel like now i'm a mum, I can really
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Speaker 4: resonate with that, Like I want Harvey to have everything
14:15
Speaker 4: that I didn't have or you know, experiences that I
14:19
Speaker 4: wasn't able to have. But I mean, this is so lame.
14:21
Speaker 4: But the other day I found on Facebook marketplace these
14:25
Speaker 4: Winnie the Pooh bookends that I remember seeing when I
14:29
Speaker 4: was little, and I don't know how they ended up
14:31
Speaker 4: popping up, but they popped up and I was like,
14:33
Speaker 4: oh my gosh, those are those bookends that I desperately wanted.
14:37
Speaker 4: So I bought them for Harvey, Like I feel like
14:39
Speaker 4: I get to relive my childhood through him, and I
14:43
Speaker 4: never thought that I would be that person. Tell me
14:46
Speaker 4: how you're teaching your kids about money, though, I want
14:48
Speaker 4: to know, like, what does that look like? Now, obviously
14:52
Speaker 4: you've got a daughter who's old enough to get, you know,
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Speaker 4: tooth fairy money. How are you having these conversations to
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Speaker 4: educate but maybe not overwhelm.
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Speaker 5: We sit down with our kids and we tell them
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Speaker 5: when we're buying something how much it will cost and
15:10
Speaker 5: if we can go to another shop. So when we
15:12
Speaker 5: do wear grocery shopping, we will explain to our daughter,
15:16
Speaker 5: especially that we can buy her a packet of Oreos,
15:20
Speaker 5: which might be three dollars fifty, or we can buy
15:25
Speaker 5: her a packet of the home brand chocolate biscuits that
15:29
Speaker 5: might be a dollar or a dollar fifty. They're essentially
15:33
Speaker 5: the same item, but there's a cheaper way of doing.
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Speaker 4: It, and you can still have your cake and eat
15:38
Speaker 4: it too.
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Speaker 5: Yeah, you can still have that treat, but it's not
15:41
Speaker 5: going to be the brand name. But when the brand
15:44
Speaker 5: names are on special, we'll always buy them, and that's
15:48
Speaker 5: their reward.
15:50
Speaker 4: And it means that probably when you're grocery shopping, she's
15:53
Speaker 4: keeping her eye out and making sure that she's on
15:55
Speaker 4: top of it. And I'm assuming that when you said
15:58
Speaker 4: mainly my daughter that's just an age, right, Like, that's
16:01
Speaker 4: just because I'm assuming that your son is too young
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Speaker 4: to comprehend this just yet.
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Speaker 5: My son is three going on I think about thirteen most.
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Speaker 2: Of the time.
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Speaker 4: Oh yep, yep.
16:13
Speaker 5: But he would see monster trucks, excavators, machines and just
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Speaker 5: buy them. He wouldn't care how much they cost.
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Speaker 4: I feel like that is a male versus female thing.
16:25
Speaker 4: Are you finding that maybe the narrative around money that
16:29
Speaker 4: you're teaching your daughter might not work for your son.
16:31
Speaker 4: Are you going, Oh my gosh, like I thought I
16:33
Speaker 4: had this nailed. Now I'm going to have to find
16:35
Speaker 4: a different strategy. Like what do you think that will
16:38
Speaker 4: look like?
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Speaker 5: Yeah, my son is a little negotiator already, so he
16:43
Speaker 5: will always try and negotiate with me when we are
16:47
Speaker 5: at the shops to buy him a truck because he's
16:50
Speaker 5: been good at the shops. So he'll negotiate that. Whereas
16:53
Speaker 5: my daughter, we'll negotiate to a degree, but it'll be
16:57
Speaker 5: something that she really desperately wants to save up for,
17:00
Speaker 5: not an instant reward like he wants.
17:03
Speaker 4: I love that you're seeing their little personalities come out
17:06
Speaker 4: from one's good at delayed gratification she's saving up for
17:09
Speaker 4: her overseas holiday, and the others like monster truck right now,
17:13
Speaker 4: right now, mum, yes, all right, let's go to a
17:16
Speaker 4: really quick break on the flip side. I want to
17:18
Speaker 4: know a bit more about debt and your best and
17:20
Speaker 4: worst money habits and what your financial future looks like.
17:23
Speaker 4: So guys, don't go anywhere money darist. We are back,
17:30
Speaker 4: and I feel like we're having a really fun time
17:31
Speaker 4: talking about teaching kids about money and how there's not
17:34
Speaker 4: really a one size fits all approach, Like your daughter
17:37
Speaker 4: seems to be a lot about delayed gratification, and your son,
17:40
Speaker 4: albeit only three, seems to just really like that instant gratification.
17:46
Speaker 4: How do you think that that's gonna work as they
17:48
Speaker 4: get a little bit older. Is that something where you're
17:51
Speaker 4: hoping maybe your son might learn from your daughter or
17:53
Speaker 4: do you think that they'll always be just quite stoic
17:56
Speaker 4: in their own personalities.
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Speaker 5: I think they will always have their own little personalities,
18:02
Speaker 5: but we want to teach them both the same value,
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Speaker 5: and whatever that looks like to them, they can make
18:08
Speaker 5: up their own mind. I don't want them to have
18:11
Speaker 5: the same relationship that I've got, or that my husband
18:15
Speaker 5: has where he remembers, you know, it was mince and
18:19
Speaker 5: sausages for dinner because it was cheap, whereas and then
18:23
Speaker 5: his parents have really good aspirations around money. Whereas for me,
18:27
Speaker 5: it was we'd go out a lot, we'd have takeaway,
18:32
Speaker 5: and I thought it was great because we were always
18:36
Speaker 5: getting spoiled.
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Speaker 4: Yeah, which is amazing for a kid, But you don't
18:40
Speaker 4: understand what that means in the biggest scheme of things, right,
18:43
Speaker 4: or even how that impacts you now that you're thirty six, right, Yes.
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Speaker 5: Yeah, The reality for me was I saw it as
18:50
Speaker 5: a treat, but as I got older, I saw it
18:52
Speaker 5: as well. Mum and Dad didn't really want to cook,
18:56
Speaker 5: or it was just convenient for them to go and
18:58
Speaker 5: get takeaway.
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Speaker 2: So that's what we did.
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Speaker 5: Whether it cost twenty dollars or thirty dollars, they didn't
19:05
Speaker 5: care because it was convenient.
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Speaker 4: Yeah, and I feel like all of us put a
19:10
Speaker 4: price on convenience, but often that price eats into our
19:15
Speaker 4: future goals and what we want to create moving forward.
19:19
Speaker 4: You mentioned that your partner had a little bit of
19:20
Speaker 4: a different lifestyle growing up. Is this something that you've
19:24
Speaker 4: sat down with your partner and be like, all right,
19:26
Speaker 4: tell me about your money story. I'll tell you about mine.
19:28
Speaker 4: Like how do these money conversations come up in your marriage?
19:31
Speaker 5: Yeah, so we're very fortunate early on that we had
19:34
Speaker 5: good conversations about money. His parents have always been a
19:39
Speaker 5: one income family and it's just always worked well for them,
19:45
Speaker 5: And that was the initial shock for me to begin with,
19:48
Speaker 5: because my mum worked part time and then full time,
19:53
Speaker 5: and my dad always worked full time. If they wanted
19:56
Speaker 5: to do something, they would save up. So they went
19:59
Speaker 5: on a holiday to the Gold Coast, they went camping,
20:03
Speaker 5: They did so many things as a family, and my
20:07
Speaker 5: husband was shocked that I had not been to any
20:11
Speaker 5: of the theme parks until I was an adult because
20:15
Speaker 5: we didn't have the money to go on family holidays.
20:19
Speaker 5: But we had a brand new TV, we had brand
20:22
Speaker 5: new cars, we had a brand new mobile phone whenever
20:25
Speaker 5: they came out. We just didn't have those experiences. So
20:30
Speaker 5: he didn't have all those things, but he had the experiences.
20:34
Speaker 4: It's crazy when you get to sit down with someone
20:36
Speaker 4: and talk about how different your experiences were, because you
20:40
Speaker 4: would you know, if we just put it on paper
20:43
Speaker 4: and don't look at the details here, you would assume
20:46
Speaker 4: that the parents where you have two full time working
20:49
Speaker 4: parents would obviously have the more affluent experiences in life, right,
20:53
Speaker 4: Like you just assume that that's the case, but that's
20:56
Speaker 4: actually not the reality, because it's all about our value
20:58
Speaker 4: system and what we know all about money and how
21:01
Speaker 4: we allocate money, and you know, what we actually want
21:03
Speaker 4: to do. And I'm sure if we sat your parents
21:05
Speaker 4: down and said, you know, do you wish you had
21:07
Speaker 4: different experiences as the kids were growing up, which or
21:09
Speaker 4: they would have been like, yes, absolutely, But at the time,
21:12
Speaker 4: you're just doing the best that you can. And it's
21:15
Speaker 4: such a gift to be able to sit down and
21:17
Speaker 4: be like, all right, husband, this is how I want
21:21
Speaker 4: my kids to grow up. This is you know, what
21:23
Speaker 4: we need to instill. These are the values that we
21:25
Speaker 4: want to have. Like, it's just so cool that you
21:28
Speaker 4: get to pick your values. And I think so often
21:31
Speaker 4: we don't know that. We just assume no, no, no,
21:34
Speaker 4: it's a given. This is just life. This is just
21:36
Speaker 4: how it works. How old were you when you realized, actually,
21:40
Speaker 4: this is completely in my control. You wrote at the
21:43
Speaker 4: end of your submission, you said, now I'm on a
21:46
Speaker 4: mission to rewrite my financial story and build the future
21:49
Speaker 4: I deserve. How old were you when you realized that
21:52
Speaker 4: was completely within your control?
21:54
Speaker 2: I was thirty six.
21:58
Speaker 4: Isn't it liberating? Though?
22:00
Speaker 2: Is?
22:00
Speaker 4: Then? It's so exciting knowing actually I can create the
22:03
Speaker 4: life I deserve, Like I can do that all on
22:05
Speaker 4: my own. It doesn't matter where I've come from, what
22:06
Speaker 4: my story is, what my values were. They can be different,
22:10
Speaker 4: that's right.
22:10
Speaker 5: Like my kids are obviously quite young, but we are
22:14
Speaker 5: about to take them on their second Gold Coast holiday.
22:19
Speaker 4: I love that.
22:20
Speaker 5: So they will go and have a week out at
22:23
Speaker 5: the Gold Coast and absolutely love what they do. And
22:27
Speaker 5: then our next big family holiday will be Japan in
22:30
Speaker 5: a few years.
22:31
Speaker 4: I love that. And the kids on board? Do they
22:33
Speaker 4: know it's going to be Japan in a few years?
22:35
Speaker 4: Are we like working towards this goal as a family.
22:38
Speaker 5: My daughter has already got her kimono packed. Basically she
22:44
Speaker 5: is ready.
22:46
Speaker 4: What a little honey.
22:47
Speaker 2: She is a little like Harodjooku girl. Basically she loves it.
22:54
Speaker 4: She's so keen. Oh my gosh, I love this so much.
22:56
Speaker 4: All right, money, dires, I've got to get back to
22:58
Speaker 4: the questions. I want to know what are your thoughts
23:01
Speaker 4: on investments. Do you currently invest? If not, what's the plan?
23:05
Speaker 4: How does it work? Do you have these conversations with
23:08
Speaker 4: your partner?
23:09
Speaker 5: Tell me all, I now do invest through my work.
23:13
Speaker 5: We were lucky enough to be able to purchase some
23:15
Speaker 5: shares and I did that last year.
23:19
Speaker 4: How cool is that?
23:20
Speaker 5: About a one thousand dollars worth of shares through them,
23:24
Speaker 5: and then through the podcast I downloaded the Shares's app
23:30
Speaker 5: and used the She's on the Money code got the
23:33
Speaker 5: two dollars bonus.
23:34
Speaker 4: We got our free money.
23:36
Speaker 2: I love that, and invested some more.
23:39
Speaker 5: So I'm sitting at about two hundred dollars in that
23:42
Speaker 5: and I regularly put about fifty doll one hundred dollars
23:45
Speaker 5: a month in it.
23:45
Speaker 4: Oh my gosh, I love this. Who are you?
23:49
Speaker 2: I'm getting there.
23:50
Speaker 5: We have a financial planner now as well that managers investments,
23:56
Speaker 5: so we sit down with him probably every six weeks.
23:59
Speaker 4: Every six weeks. Oh my gosh, he's aggressive. I love it.
24:03
Speaker 4: You are definitely making tracks. Tell me how do you
24:06
Speaker 4: find your financial advisor? And can I be really pervy?
24:09
Speaker 4: How much do you pay him for this pleasure? Because
24:12
Speaker 4: financial advice hard to get can often be not that
24:15
Speaker 4: affordable what's it costing you?
24:17
Speaker 5: So I have known our financial advisor for nearly twenty
24:23
Speaker 5: five years. He's a very good family friend, and never
24:28
Speaker 5: really thought that I would want to trust someone that
24:31
Speaker 5: I know. But my husband was very keen on the
24:34
Speaker 5: idea of trusting someone that we know because they're not
24:36
Speaker 5: going to sugarcoat anything for us. Yeah, it costs us
24:40
Speaker 5: about five grand a year, but it's money well worth
24:45
Speaker 5: spent in the long run.
24:47
Speaker 4: I agree, And I feel like as an ex financial advisor,
24:50
Speaker 4: it is so hard to articulate to people the value
24:54
Speaker 4: of advice, and you obviously go, but V that's five
24:57
Speaker 4: grand a year and money diarist told us so that
25:00
Speaker 4: she's the breadwinner and she's earning seventy thousand dollars, Like
25:03
Speaker 4: that is so much of your budget going towards this?
25:06
Speaker 4: What types of goals are you working with your financial
25:08
Speaker 4: advisor for? Like, how do you see as somebody who
25:12
Speaker 4: I would say has a very regular, normal income. How
25:16
Speaker 4: have you I guess, justified this into your budget to go, No,
25:19
Speaker 4: this is an expense that's going to put us and
25:22
Speaker 4: our financial future first.
25:24
Speaker 5: We want to make sure that our kids aren't inheriting
25:28
Speaker 5: any debt. So I often say to my husband that
25:33
Speaker 5: despite my parents being mortgage free, I'm still going to
25:36
Speaker 5: inherit the debt, their unsecured personal debt. I will inherit that,
25:43
Speaker 5: and that's my little nest eg that's going to go away.
25:47
Speaker 2: So I don't want that for my kids.
25:49
Speaker 4: Yeah, that's very fair. And have you done I guess
25:51
Speaker 4: the full suite has. He looked at your superannuations, he
25:54
Speaker 4: looked at your insurances, like, tell me a bit more
25:57
Speaker 4: about this investing plan.
25:59
Speaker 5: Yeah, so we had to be very transparent, looked at everything.
26:04
Speaker 5: He sat me down and said, no more weekday coffees,
26:09
Speaker 5: no more unnecessary spending, no more ten trips a week
26:14
Speaker 5: to the shops because you've forgot one thing and you've
26:18
Speaker 5: gone and bought thirty other things.
26:20
Speaker 4: I feel like that's such an ADHD thing, though, So
26:23
Speaker 4: like having a financial advisor when you're a little bit neurospy,
26:26
Speaker 4: seat very good idea.
26:27
Speaker 2: Yeah.
26:28
Speaker 5: He is very honest and loves giving me advice. And
26:34
Speaker 5: because I know him, he will compare me to his wife,
26:38
Speaker 5: who I also know, So I don't feel like I'm
26:42
Speaker 5: doing something wrong when I know that other people essentially
26:45
Speaker 5: have the same experience.
26:47
Speaker 4: Yeah, I feel like that shared experience really helps. And
26:49
Speaker 4: I mean that's the crux of Sheese on the Money, right,
26:52
Speaker 4: Like we all love sharing our experience because we know
26:56
Speaker 4: a problem shared is a problem halved. But then also
26:59
Speaker 4: how validating is that when you hear a money story
27:02
Speaker 4: and you're like, oh my gosh, that's me or oh
27:04
Speaker 4: my gosh, like I totally have been there, like one
27:07
Speaker 4: sharing it it makes you feel lighter. But then also
27:10
Speaker 4: by sharing it, you're validating the experiences of others. Like
27:13
Speaker 4: I don't want to hear that I'm really naughty. I
27:15
Speaker 4: want to hear that you're not the only one doing that, vee,
27:18
Speaker 4: and here's a solution, Like that's what I want, right,
27:21
Speaker 4: Like you just want to be told, actually, money direst
27:24
Speaker 4: that's pretty normal. You go, oh, is it? I've been
27:26
Speaker 4: feeling so guilty about it? Yeah, money diarist. I want
27:29
Speaker 4: to know, now, do you have any debts? If so,
27:31
Speaker 4: what are they?
27:32
Speaker 2: We have two personal loans.
27:35
Speaker 5: We went through a period where we weren't earning enough
27:40
Speaker 5: and I fell into the trap of getting personal loans
27:43
Speaker 5: to help bump up the income that we were missing
27:47
Speaker 5: out on. So now our plan is to get rid
27:51
Speaker 5: of them as quickly as possible, because again financial advisor
27:55
Speaker 5: has told us any overtime or extra money that we
27:59
Speaker 5: get and we don't have a plan for it should
28:02
Speaker 5: be going on that loan. And that was a big
28:07
Speaker 5: mindset change for my husband and I because we were, well,
28:11
Speaker 5: when it's gone, it's gone, Like what if we need
28:13
Speaker 5: it for an emergency? And his words to us were,
28:18
Speaker 5: the way that I'm setting you up for success is
28:22
Speaker 5: you won't never need money in an emergency because it
28:25
Speaker 5: will always be right there.
28:27
Speaker 4: Yeah, exactly. That's why we're going to establish an emergency
28:30
Speaker 4: fund and have a pool. That makes sense to you.
28:33
Speaker 4: I feel like that must be something that you look
28:36
Speaker 4: at and you said, look, unfortunately, we went through a
28:38
Speaker 4: period and like I fell into the trap. I don't
28:41
Speaker 4: know if I would call that falling into a trap
28:43
Speaker 4: because you said that you weren't earning enough to keep
28:45
Speaker 4: up with expenses. So tell me a bit more about
28:47
Speaker 4: these personal loans. Are they personal loans where you're paying
28:50
Speaker 4: stuff like school fees and like for food on the table,
28:53
Speaker 4: or were they you know, holidays, Like how did that
28:56
Speaker 4: come to fruition?
28:57
Speaker 5: No, was to pay out one of our cars, so
29:04
Speaker 5: it didn't get repossessed, and it was to pay out
29:07
Speaker 5: a few other little debts that we had, So there
29:10
Speaker 5: was smaller debts that we need to pay out, but
29:13
Speaker 5: bulk of it went on when we needed new appliances,
29:18
Speaker 5: so we needed.
29:19
Speaker 4: Yeah, and they're necessities.
29:21
Speaker 5: Yeah, so a lot of necessity items. But at the
29:24
Speaker 5: same time I look at it and go, I can't
29:28
Speaker 5: believe that we didn't even have a thousand dollars sitting
29:30
Speaker 5: there to go and get a new fridge that we needed.
29:33
Speaker 4: But is that now our mindset shift? You're like, oh
29:35
Speaker 4: my gosh, we've come so far, Like now that wouldn't
29:38
Speaker 4: even be something that we comprehend.
29:40
Speaker 2: Yeah, so funny enough. My husband this morning wrung.
29:44
Speaker 5: Me and said, hey, we need a new dishwasher, and
29:48
Speaker 5: I'm like, yep, no problems. Let's go down to the
29:51
Speaker 5: shop this afternoon and have a look at how much
29:53
Speaker 5: they cost, and when we get back from our holiday
29:56
Speaker 5: we'll go.
29:56
Speaker 2: And buy one.
29:57
Speaker 4: How good are you looking at that?
29:59
Speaker 2: Going?
29:59
Speaker 4: Wow, that's knew me like, who is she?
30:01
Speaker 2: Yes?
30:02
Speaker 4: I love that? And is that going to become I
30:04
Speaker 4: guess a big goal that you work towards and go
30:06
Speaker 4: all right, well, you know, dishwash is going to cost
30:08
Speaker 4: us five hundred bucks. That's another thing to put on
30:10
Speaker 4: the list that we're going to work towards. But we're
30:12
Speaker 4: not just going to get it immediately.
30:14
Speaker 2: On debt, Yeah, one hundred percent.
30:16
Speaker 5: Like we are fortunate that we do get over time
30:20
Speaker 5: and I get on call allowances. So when I do
30:23
Speaker 5: those extras, I have that, well, this weekend that I'm
30:29
Speaker 5: working is going to pay for this item that we
30:32
Speaker 5: really want.
30:33
Speaker 2: Yeah.
30:33
Speaker 4: Wow, I love that, and I feel like that's so exciting.
30:36
Speaker 4: Tell me a bit more about how much have you
30:38
Speaker 4: got to go on these debts, Like how much is
30:41
Speaker 4: left on each of them.
30:42
Speaker 5: So with our personal loans, we've got about twenty five
30:46
Speaker 5: thousands left. The plan is to just look at doubling
30:51
Speaker 5: the repayments over the next couple of weeks and seeing
30:55
Speaker 5: how quickly we can smash them out.
30:58
Speaker 2: Yeah, it's pretty challenging.
31:00
Speaker 4: I feel like it's exciting. I know it feels challenging
31:02
Speaker 4: and it feels overwhelming. But for me, when I was
31:06
Speaker 4: paying off my debt, and when I worked with clients
31:08
Speaker 4: who were doing the same thing, having a plan and
31:12
Speaker 4: going all right, let's break it down, let's go all right,
31:14
Speaker 4: we've got twenty five thousand dollars, how much can we
31:17
Speaker 4: pay off each month? You know, you might go, we
31:19
Speaker 4: can pay five hundred dollars off each month, and you
31:21
Speaker 4: kind of extrapolate that out and put a date on it,
31:24
Speaker 4: and I feel like having a date on it. One,
31:26
Speaker 4: that's the light at the end of the tunnel. But two,
31:28
Speaker 4: any of that overtime that you're doing every single time,
31:31
Speaker 4: it brings that date forward, like it helps you get ahead,
31:36
Speaker 4: and you can see visually getting ahead. And at the moment,
31:39
Speaker 4: I know it probably feels a little bit like you're
31:42
Speaker 4: treading water because you like throw another couple of hundred
31:45
Speaker 4: bucks at it all whatever you've got when it comes up,
31:48
Speaker 4: and it just doesn't feel like it makes that big
31:50
Speaker 4: of a dint at the time. But I feel like
31:52
Speaker 4: if you work towards a particular date, and now I'm
31:55
Speaker 4: thinking of it, I'm probably going to try and make
31:57
Speaker 4: a tracker that we can put on our website and
31:59
Speaker 4: you guys can down. But if you have a date
32:02
Speaker 4: in mind that comes down each time you make another
32:05
Speaker 4: repayment above and beyond the minimum, that feels really motivating
32:09
Speaker 4: knowing that that time is coming closer. And you're also
32:12
Speaker 4: teaching yourself these great savings habits, because if you can
32:16
Speaker 4: smash that debt out, the second that debt is gone,
32:19
Speaker 4: those all become savings. Like that is you setting yourself
32:22
Speaker 4: up to be in the best possible position, because you're like,
32:24
Speaker 4: all right, well did you see last month we were
32:26
Speaker 4: able to save an additional three or four hundred bucks money. Win.
32:30
Speaker 4: Do you know what you can do once you're out
32:31
Speaker 4: of debt. You can save that that goes towards holidays,
32:34
Speaker 4: that goes towards travel, that goes towards those experiences you
32:37
Speaker 4: want to give your kids. And I just think that's
32:39
Speaker 4: so flipping exciting.
32:41
Speaker 5: Yeah, that's what our plan is. So once their personal
32:45
Speaker 5: ends are gone, the repayment for those is essentially half
32:49
Speaker 5: of our more inter repayment. So we will then look
32:53
Speaker 5: at allocating that money to the mortgage to get rid
32:56
Speaker 5: of that.
32:57
Speaker 4: Yeah. See that's sexy as hell. I love that. Tell
33:01
Speaker 4: me about this mortgage. What's your mortgage, how much is
33:04
Speaker 4: it for and when did you buy?
33:07
Speaker 5: We bought in twenty twenty two. Our mortgage was two
33:11
Speaker 5: hundred and eighty thousand, and we spent two hundred and
33:16
Speaker 5: fifty on our house and had thirty thousand left to
33:19
Speaker 5: do some lovely little upgrades that our very old house needed.
33:26
Speaker 5: We I think just over two hundred and sixty thousand.
33:31
Speaker 4: Oh that's exciting.
33:32
Speaker 5: Yeah, but the plan is we will just smash it out.
33:38
Speaker 5: We pay it weekly because it is much better in
33:43
Speaker 5: the long run.
33:44
Speaker 4: Interest is calculated daily. Yep, that's a hack. Did you
33:47
Speaker 4: learn that from your financial advisor?
33:49
Speaker 2: Yes?
33:50
Speaker 4: Yeah, I feel like that's such a financial advisor thing
33:53
Speaker 4: to say. So mortgages, and this isn't for you, because
33:56
Speaker 4: you clearly know this is for everyone listening. Your mortgage
33:59
Speaker 4: is calculated, or the amount that you owe on your
34:01
Speaker 4: mortgage is calculated daily. So every single day, the bank
34:05
Speaker 4: does some maths in the background and calculates exactly what
34:08
Speaker 4: you owe, and at the end of the month they're like, well,
34:10
Speaker 4: you owe X, but if you broke up that x
34:13
Speaker 4: that you're paying at the end of the month on
34:15
Speaker 4: a weekly basis. So therefore, let's say on average you're
34:18
Speaker 4: making four payments each month. That actually brings down, over
34:22
Speaker 4: time your interest significantly and you can pay off your
34:26
Speaker 4: loan faster. Even though it didn't cost you an extra dollar.
34:28
Speaker 4: It just cost you some planning, which I think is
34:31
Speaker 4: very exciting. Have you done the maths on how much
34:34
Speaker 4: time slash money you're going to save by doing that?
34:37
Speaker 5: I think a rough calculation was about ten years. But
34:42
Speaker 5: we want to have our mortgage paid out by probably
34:50
Speaker 5: twenty thirty four.
34:52
Speaker 4: Oh my gosh, that's so soon for a mortgage. Have
34:55
Speaker 4: we got a big plan for that? Is your advisor going, heck, yes,
34:58
Speaker 4: we can do this.
34:59
Speaker 5: Yeah, we are just going to keep throwing everything humanly
35:02
Speaker 5: possible that we've got urt favorite the mortgage, get it
35:07
Speaker 5: out of the way as quickly as possible, and hopefully
35:11
Speaker 5: look at retiring by the time we're fifty five.
35:15
Speaker 4: Is that not iconic? I feel like I heard in
35:18
Speaker 4: your voice earlier when we're talking about dirt you were like, yeah,
35:21
Speaker 4: we have like these personal loans, and I could feel
35:24
Speaker 4: the disenchantment, But at the same time you're literally like, Okay, cool,
35:28
Speaker 4: So we actually have a really big plan for that,
35:30
Speaker 4: and we're actually going to be doubling our payments and
35:32
Speaker 4: our mortgage. By the way, there's a plan to get
35:34
Speaker 4: out of debt by twenty thirty five and retire early.
35:37
Speaker 4: Like what in the dream life? Like that's so exciting?
35:41
Speaker 4: Is it not?
35:42
Speaker 2: It is.
35:42
Speaker 5: I don't think we could have done it if we
35:45
Speaker 5: did this inner city like we do live regionally. But
35:50
Speaker 5: it works for us because this is where we have work,
35:54
Speaker 5: this is where our kids have grown up.
35:56
Speaker 2: That's home for us.
35:57
Speaker 5: It works, But you know, I dearly if we did
36:01
Speaker 5: live elsewhere, we'd have the same goals.
36:03
Speaker 4: I love this so much. All right, I want to
36:05
Speaker 4: know you've obviously recently worked out that you're ADHD, and
36:10
Speaker 4: obviously that impacts your money story significantly, So I don't know,
36:13
Speaker 4: what do you think your best money habit is?
36:16
Speaker 5: Best money habit would be never paying full price for anything.
36:23
Speaker 5: I only buy clothes when.
36:25
Speaker 2: They're on a sale.
36:27
Speaker 4: I love this.
36:28
Speaker 5: We have an op shop in our town that has
36:31
Speaker 5: really good designer pieces, and I will only go through
36:35
Speaker 5: there once a month and have a look and see
36:37
Speaker 5: what's in there. Normally some of it's brand new.
36:40
Speaker 2: With tags, so oh my gosh, amazing.
36:44
Speaker 5: I've never really overspent necessities that I need. And the
36:50
Speaker 5: biggest thing that my husband taught me was when you're
36:53
Speaker 5: buying things in like the Good Guys or Half Norman,
36:56
Speaker 5: the ticketed price is never the final price. There is
37:00
Speaker 5: always room for negotiation.
37:01
Speaker 4: I love that that's words to live by. There is
37:04
Speaker 4: always room for negotiation. I don't care what it is
37:06
Speaker 4: we're negotiating it.
37:07
Speaker 5: Yeah, negotiation isn't my strong point, but I do like
37:12
Speaker 5: taking my husband because he feels.
37:13
Speaker 2: Good when he gets that negotiation.
37:16
Speaker 4: Of course I love that. And also I mean, does
37:19
Speaker 4: that not make you a great negotiator because you brought
37:21
Speaker 4: the right tools to the conversation, Like I don't have
37:24
Speaker 4: to be good at it. If I brought the right
37:26
Speaker 4: tools and the tools is my husband ten out of ten?
37:29
Speaker 2: Exactly?
37:29
Speaker 4: Tell me a bit more about what you think your
37:32
Speaker 4: worst money, how it is worst that.
37:36
Speaker 5: Is probably looking at something and that impulsive purchase. So
37:43
Speaker 5: I will go and pick up stuff off the rack.
37:46
Speaker 5: I will go and order something that I've seen pop
37:51
Speaker 5: up with a sponsored post on Facebook and go, oh, yeah,
37:53
Speaker 5: I definitely needed.
37:54
Speaker 4: This, Yeah, victim of the algorithm. Same.
37:57
Speaker 5: Sometimes I'll use it, sometimes I won't. So I'm trying
38:01
Speaker 5: to get into the habit of giving myself that twenty
38:05
Speaker 5: four hour.
38:05
Speaker 2: Calling off period.
38:07
Speaker 5: Yes, so I will save it and then if I
38:10
Speaker 5: come back to it in twenty four hours, then it's
38:12
Speaker 5: a definite need to discuss purchase.
38:15
Speaker 2: If I don't come back to it in twenty four hours.
38:18
Speaker 5: I go, oh, it was just my ADHD wanting shiny things.
38:22
Speaker 4: Oh my gosh, I know we like bower birds. We
38:24
Speaker 4: literally are like, oh, shiny, I need it, like anything
38:28
Speaker 4: on TikTok. I'm like, oh, I definitely need that. Like
38:32
Speaker 4: do you find I don't know. I feel like this
38:34
Speaker 4: is a millennial ADHD thing. Is your phone full of
38:38
Speaker 4: screenshots of things that you think you might need later. Yes,
38:43
Speaker 4: it's like a graveyard of all of the thoughts I've
38:46
Speaker 4: had while scrolling or doom scrolling the internet. Like, I
38:50
Speaker 4: actually am embarrassed. I'm going to go find how many
38:53
Speaker 4: screenshots I have. I'm probably gonna put it on my
38:54
Speaker 4: stories at some point because I just think that's such
38:57
Speaker 4: a relatable point that when you finally meet to other
39:00
Speaker 4: people with the ADHD and they both know you just go, oh,
39:04
Speaker 4: do you do this? And then we all agree and
39:06
Speaker 4: you just go wow. I've literally never had an original
39:09
Speaker 4: experience in my life. Like I thought it was just me.
39:12
Speaker 4: I thought I had these cute personality quirks. No, that's
39:16
Speaker 4: your ADHD, babe, Yep, that's.
39:18
Speaker 2: That's your neurospicy.
39:20
Speaker 4: Brain exactly, Oh my gosh. All right, well, it has
39:23
Speaker 4: been so good chatting to you. I feel like I've
39:26
Speaker 4: learned a lot. But I want to kind of bring
39:29
Speaker 4: something up, the elephant in the room. At the start
39:32
Speaker 4: of this money Darry, you told me you were a D.
39:34
Speaker 4: You said, look, I really reckon, I'm a d I've
39:36
Speaker 4: got so far to go. But then we had these
39:39
Speaker 4: beautiful conversations about you working since you were sixteen and
39:43
Speaker 4: you became a single mum, and now you've got this
39:45
Speaker 4: great partner, but you're the breadwinner and you're just absolutely
39:48
Speaker 4: killing it. You've got all of these big financial goals.
39:51
Speaker 4: I feel like my favorite part of the conversation was
39:54
Speaker 4: really talking about what you want for your kids and
39:57
Speaker 4: how you really want to give them all of these
39:59
Speaker 4: beautifully experiences and you've got a plan for it. Like
40:02
Speaker 4: we did talk about debt, and I could tell by
40:05
Speaker 4: your voice that that's not something that you love, and
40:08
Speaker 4: I mean, nobody loves being in debt. But then you
40:10
Speaker 4: told me about these epic plans to get out of
40:12
Speaker 4: debt that you were doing over time. You're absolutely killing
40:16
Speaker 4: it and you're planning on getting your mortgage done by
40:19
Speaker 4: twenty thirty five and then retiring hopefully by fifty five,
40:23
Speaker 4: like your kids are going to have the dream life,
40:26
Speaker 4: and then these super happy, healthy parents at the perfect
40:29
Speaker 4: time in their lives to you know, be adults with them.
40:32
Speaker 4: Is that not the most exciting thing in the entire world?
40:34
Speaker 4: Like to me, dream life? Adore that your worst money
40:38
Speaker 4: have it? You said you're a bit impulsive. I get it,
40:40
Speaker 4: we're a little bit spendy. But then you also said
40:43
Speaker 4: the I'm really good at never paying full price, Like
40:46
Speaker 4: I am a little bug and hunter, and there's no
40:49
Speaker 4: such thing as not having any room for negotiation. I'm sorry,
40:53
Speaker 4: does that sound like a D person to you?
40:56
Speaker 5: I think I'd probably move myself up to like a
41:01
Speaker 5: C plus or a B minus. But there's always for
41:05
Speaker 5: improvement because you're never perfect.
41:09
Speaker 4: No nobody is perfect. But I want to know what
41:12
Speaker 4: would it take if I said, or money, darist, what
41:15
Speaker 4: would it take to get to an A What types
41:17
Speaker 4: of money behaviors or changes do you think you would
41:19
Speaker 4: have to make?
41:20
Speaker 5: Think for me not having any unsecured depth and anything
41:26
Speaker 5: that isn't an asset.
41:28
Speaker 4: I love that, But that's a plan and you've literally
41:30
Speaker 4: got a time and a date for it, So we're
41:33
Speaker 4: well on the way to being a money darist. It
41:36
Speaker 4: has been an absolute pleasure having a chat with you.
41:39
Speaker 4: I have adored this. I feel like it's so relatable,
41:42
Speaker 4: especially to me, like we're both a little bit neurospiasy,
41:45
Speaker 4: but also to the community. I adore having these conversations,
41:48
Speaker 4: and I just know that the community is going to go, oh,
41:51
Speaker 4: this money darist was a cracker. This was a good one.
41:53
Speaker 4: So I really appreciate it and know that they're going
41:56
Speaker 4: to appreciate you sharing your story as much as I have.
41:59
Speaker 4: So pleasure.
42:01
Speaker 2: Thank you.
42:08
Speaker 4: The advice shared on She's on the Money is general
42:10
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42:14
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42:18
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42:21
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