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How Do You Know When It’s Time to See a Financial Advisor? And the Vet Bill Situation That's a Moral Minefield · She's On The Money

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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations
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Speaker 1: woman and I'm here to acknowledge country t Glenn Young Ganya, Niana,
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Speaker 1: Kaka yah y and beIN Ahaka Nian our gay In Mbini,
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Speaker 1: yakarum Jar Dominyamiga Umagahawaka Woman Damon Imlan Mbaban Gadabomba in
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Speaker 1: and now in wakah Ghana on yak rum Jar Waternata. Hello,
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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
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Speaker 2: She's on the Money. She's on the Money. Hello and welcome.
1:09
Speaker 2: Deg's on the Money, the podcast that makes personal finance fun,
1:12
Speaker 2: especially on Fridays. It is our favorite day of the
1:15
Speaker 2: week because we get to get our team together and
1:17
Speaker 2: celebrate you our incredible She's on the Money community, Miss Garci.
1:22
Speaker 2: She's here as always sharing her favorite money wins. We've
1:25
Speaker 2: got Miss beck sayed back sharing her broke tips, and
1:28
Speaker 2: we'll be helping to answer a money dilemma that's all
1:31
Speaker 2: about whether you should actually think about seeing a financial
1:34
Speaker 2: advisor and something that you slid into our dms about.
1:37
Speaker 2: We love this part. What do you do when someone
1:40
Speaker 2: isn't paying for the medical care that their pet needs? No,
1:45
Speaker 2: that's going to make me sad? Yes, so the answer
1:48
Speaker 2: is right, have a good day. We'll see you on
1:50
Speaker 2: Monday for Money Days. Before we get through though my loves.
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Speaker 2: My favorite part is stroking our own egos. Of course,
1:58
Speaker 2: do you want me to read youve star review? Yes? Please? Okay,
2:02
Speaker 2: so this one's from Katie. Katie's delightful not only coach.
2:05
Speaker 2: She gave us a five star review, but what she
2:07
Speaker 2: said so she said She's on the Money's podcast is
2:11
Speaker 2: informative yet broken down to be easily understood and explained.
2:15
Speaker 2: The girls are so passionate and keep the podcasts entertaining
2:18
Speaker 2: and interesting. I love that there's three different episodes a
2:21
Speaker 2: week that are in different formats which keep things interesting,
2:24
Speaker 2: like the deep dives, the Money Dairies, and the Fridays
2:27
Speaker 2: with the Money Dilemma and then spicy topics. Thanks for
2:30
Speaker 2: making financial education so accessible for women and anyone else
2:33
Speaker 2: who wants to listen to your podcast and breaking down
2:36
Speaker 2: the barriers to financial independence. Oh we here. Yeah, we're
2:42
Speaker 2: here for the girls, the guys, the gays that everybody
2:44
Speaker 2: is everyone. No, we're not. We're not here for the guys.
2:46
Speaker 2: We're here for the girls, the gays and day exactly here.
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Speaker 3: That's why.
2:50
Speaker 2: The guys, if you're listening and you're with us, you're
2:52
Speaker 2: allowed anyone who's kind and welcoming, you know what. That's
2:56
Speaker 2: so true, You're all welcome. I just want more friends, honestly,
2:59
Speaker 2: I just want a new power. And if you let
3:01
Speaker 2: me talk money at you, instant in, exactly instant in.
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Speaker 2: My other favorite part of this week because I dropped
3:09
Speaker 2: being like, oh, how are your weeks? Because I got
3:11
Speaker 2: boring for everybody because we were always like yes, so
3:14
Speaker 2: Jess still works in partnerships and that still goes to
3:18
Speaker 2: work and then comes to she's on the money. It's
3:20
Speaker 2: time for that part of Friday Drinks where you guys
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Speaker 2: get to ask one question that you have been dying
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Speaker 2: to know. It can be literally about anything, like this
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Speaker 2: week's one from Zoe, who wants to know, are you ready? Yeah,
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Speaker 2: what are the events or core memories in your money
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Speaker 2: story that have shaped your money mentality. Oh, you go first.
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Speaker 2: I don't even know. No, I don't want to go first.
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Speaker 2: I've got a few in my brain, but I'll just
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Speaker 2: raad a little off really quickly. Yeh, I'm ready. Okay.
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Speaker 4: So when I went bankrupt, I remember I also at
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Speaker 4: the same time applied for and was approved for one
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Speaker 4: bedroom apartment by myself, and I don't know why did
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Speaker 4: exicon four it. But then I took out three pay
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Speaker 4: day loans to pay for the bond and the first
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Speaker 4: month's rent, and then I went bankrupt.
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Speaker 2: That was a call memory because it was it was
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Speaker 2: just like a really stressful tie.
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Speaker 4: We're kind of felt like rock bottom, I would say,
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Speaker 4: but in okay, I got to stop doing this and
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Speaker 4: ever since then, from that day forward, I never got
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Speaker 4: a credit card. I never got any I never got
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Speaker 4: into debt again, aside from like you know, sometimes I
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Speaker 4: borrow runny from friends. Sometimes I have to pay big
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Speaker 4: fines in installments for parking fines. But other than that,
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Speaker 4: it's because I wasn't allowed to receive credit card. But
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Speaker 4: also I'm scared of being a debt so that's a
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Speaker 4: thing as well.
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Speaker 2: That made me feel like trash. Yes exactly. I was like, Okay,
4:44
Speaker 2: well that didn't feel good.
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Speaker 5: You've only gone up from there, exactly, made a lot
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Speaker 5: of progress.
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Speaker 2: You've made oodles of progress. She's an infesta. She started
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Speaker 2: to say, who is this woman? Thank you? It's really hard.
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Speaker 2: I was like racking my brains.
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Speaker 5: I don't think I have a specific incident necessarily, but
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Speaker 5: I think just the general feeling that I had around
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Speaker 5: money growing up, like observing a lot of anxiety between
5:13
Speaker 5: my parents that then kind of transferred onto me, especially
5:16
Speaker 5: because I already with kind of like predisposed to anxiety.
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Speaker 5: So I think just that observation of all of the
5:22
Speaker 5: additional challenges that not having money. I was like, there's
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Speaker 5: the obvious, like Okay, I can't afford to buy something
5:28
Speaker 5: because I don't have the money to buy it, but
5:30
Speaker 5: like the way that it seeps into a lot of
5:33
Speaker 5: other areas in your life. And I think that was
5:35
Speaker 5: really formative to me because as we know now, I'm
5:38
Speaker 5: quite risk adverse.
5:40
Speaker 2: And I got a job.
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Speaker 5: Really yeah, I got a job as soon as I
5:43
Speaker 5: was able to have been working since I was fifteen
5:45
Speaker 5: and nine months and I've worked multiple jobs most.
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Speaker 2: Of the time across that time.
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Speaker 5: And yes, when I was younger and I didn't have
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Speaker 5: the financial literacy, I was spending it as quickly as
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Speaker 5: I was earning.
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Speaker 2: I just don't know.
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Speaker 5: But also I think like I've all always I don't
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Speaker 5: really know how to articulate it. I've always been money motivated.
6:06
Speaker 5: I guess like I've always been like, oh, I'm happy
6:08
Speaker 5: to work really hard if the outcome is I'm she.
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Speaker 2: Does work really hard. Oh yeah, I'm happy to wear
6:14
Speaker 2: multiple jobs.
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Speaker 5: I'm happy to do whatever, because I think, like I
6:18
Speaker 5: never want to be in that space of anxiety, like
6:21
Speaker 5: I've seen what it does. Yeah, and you know, even
6:24
Speaker 5: like now with building the house, like I've taken on
6:26
Speaker 5: a second job, not because I necessarily have to, but
6:30
Speaker 5: because I.
6:30
Speaker 2: Think it's so I in the nicest possible way, Like
6:34
Speaker 2: just as there's some time off and she's using her
6:36
Speaker 2: time off to work, thank you, even though like and
6:38
Speaker 2: I'm like, bad, do I not pay you enough? And
6:40
Speaker 2: she's like no, no, no, But like this opportunity came
6:42
Speaker 2: up for me to freelance, and I'm like, okay, please
6:45
Speaker 2: don't burn yourself out.
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Speaker 5: And I do like When I really reflect on that,
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Speaker 5: I think it is like because deep down I have
6:50
Speaker 5: the anxiety of knowing, like that's a huge responsibility. I
6:53
Speaker 5: want a buffer. I also would like to be able
6:55
Speaker 5: to buy some nice new furniture when I move in
6:57
Speaker 5: and stuff like that.
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Speaker 2: So like also, like I mean, we're talking about ten
7:00
Speaker 2: thousand dollar couches, so maybe it is time ually you
7:03
Speaker 2: got a second job, because that's won't be me. That's
7:06
Speaker 2: for sure, definitely not in my budget. But there's all
7:08
Speaker 2: these things nice though it would be lovely.
7:10
Speaker 5: There's all these things that I want to do that
7:12
Speaker 5: I go, okay, well, Like when I started building, I
7:14
Speaker 5: couldn't afford to like do my laundry. So I know
7:16
Speaker 5: that down the track I'm going I want to renovate
7:17
Speaker 5: my laundry. I need to earn that money. I want
7:20
Speaker 5: to do it soon and later, okay, like I'll work more.
7:22
Speaker 2: And so I think that.
7:23
Speaker 5: Mentality comes from like being young and going okay, well,
7:26
Speaker 5: the way to broaden my horizons, I guess is to
7:30
Speaker 5: just work really hard and like I love that. I
7:32
Speaker 5: know it's not that simple obviously for a lot of people,
7:34
Speaker 5: but yeah, but I don't think a lot of people go, well,
7:37
Speaker 5: I'd never afford that.
7:38
Speaker 2: Yeah, are come looking for ways to increase their income
7:43
Speaker 2: or use their time differently. And please don't get me wrong,
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Speaker 2: I'm not saying you have to get second job, no, no,
7:48
Speaker 2: no stuff, but like if you are so clear on
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Speaker 2: your outcome and you're like, wow, I want that so much,
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Speaker 2: like you're happy to trade the free time that you
7:56
Speaker 2: have for cash so that you get the outcome that
7:59
Speaker 2: you want your yes, slay Like that's fine by me,
8:02
Speaker 2: Whereas I'm like, just don't you need a break? And
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Speaker 2: I think that's sleep when I'm dead. Yeah, That's something
8:07
Speaker 2: that then annoys me because people ask that of me.
8:10
Speaker 2: They will always be like when do you stop? Like
8:12
Speaker 2: why do you always work? And I'm like, well, it's
8:14
Speaker 2: just part of me, Like I just I get bored,
8:17
Speaker 2: like ask yes, I go on a two week holiday,
8:19
Speaker 2: give me three days. And she's hearing from me, like
8:21
Speaker 2: I feel so bad for the team because they're always like,
8:23
Speaker 2: oh my god, viz away, what a time And I'm like, hello,
8:27
Speaker 2: it is me. I have had this idea, but like
8:30
Speaker 2: some of us are built for it, some of us
8:31
Speaker 2: don't want to and that doesn't matter. Yeah, I'm at you. Oh.
8:35
Speaker 2: If I reflect on it again, there's some core memories
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Speaker 2: that if I'm being really honest, I don't want to
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Speaker 2: share on a platform to one point eight million people
8:44
Speaker 2: because it involves family and like financial struggle and just
8:49
Speaker 2: watching that layout as I was younger, and I don't
8:53
Speaker 2: think that's fair when I'm not getting the privilege of
8:55
Speaker 2: being a money darist where I'm completely anonymous, like that's
8:59
Speaker 2: you know, these core memories aren't my experiences, if that
9:02
Speaker 2: makes sense. They're like my experiences as a bystander. So
9:07
Speaker 2: seeing family members. I have had family, not my parents,
9:10
Speaker 2: but I've had family members go completely broke. I've had friends,
9:14
Speaker 2: you know, go bankrupt, and growing up, I did see
9:17
Speaker 2: a lot of financial struggle. I didn't grow up with
9:19
Speaker 2: a silver spoon in my mouth, like absolutely not. I
9:22
Speaker 2: was the same as Jess fourteen and nine months had
9:24
Speaker 2: my first job. Before that, my mum literally bought a
9:27
Speaker 2: coffee cart to make me work so that I would
9:30
Speaker 2: get a good work ethic. And I mean the woman
9:32
Speaker 2: was wrong. It works, But for me it was around
9:37
Speaker 2: not my personal experience necessarily, but seeing other people struggle.
9:42
Speaker 2: And I didn't want to be like that. But I
9:44
Speaker 2: also didn't have the financial literacy to work out how
9:48
Speaker 2: not to be like that. And then when I got
9:50
Speaker 2: into literally forty thousand dollars worth of personal debt on
9:54
Speaker 2: my own, spending it on consumer goods. I think I
9:58
Speaker 2: have this core memory of laying away at night, and
10:00
Speaker 2: I think I've shared this before, and remember realizing that
10:03
Speaker 2: I was two days away from my like loan repayment,
10:06
Speaker 2: and my rent had just come out, and my loan
10:09
Speaker 2: repayment was eight hundred and eighty three dollars. I remember
10:11
Speaker 2: it so clearly, and I knew that that would overdraw
10:14
Speaker 2: my account, and I couldn't do anything about it, like
10:18
Speaker 2: there was no way to earn additional income. I had
10:20
Speaker 2: a full time job, Like I just knew that was
10:22
Speaker 2: going to be my reality, and I knew that my
10:24
Speaker 2: account was going to overdraw. And this core memory that
10:28
Speaker 2: I have is, like, how did I get here? Someone
10:31
Speaker 2: that respects themselves doesn't get themselves into this position, Like,
10:36
Speaker 2: and I remember that like respect thing so much because
10:39
Speaker 2: like you know, you talk about it, no, you like
10:41
Speaker 2: think about it and you're like, oh my god, I'm
10:43
Speaker 2: so dumb, I'm so silly, and like all of these
10:44
Speaker 2: things are so dumb, But ultimately I was like, nobody
10:49
Speaker 2: that respects themselves really really really deeply puts themselves in
10:53
Speaker 2: a worse off position. And we're not like, I'm not
10:57
Speaker 2: talking about people who have debt in general, I'm talking
10:59
Speaker 2: about concer debt. I'm talking about the fact that I
11:02
Speaker 2: had beautiful shoes, an amazing wardrobe, and god, I'm still
11:05
Speaker 2: getting wear out of that test. But like, all these
11:08
Speaker 2: just stuff to appeal to other people or to make
11:12
Speaker 2: me feel like I was better that Like, sorry, none
11:15
Speaker 2: of that actually added up. All of that stuff in
11:17
Speaker 2: my wardrobe was once money, and in that moment, I
11:21
Speaker 2: would have swapped it all because I just felt so stressed.
11:23
Speaker 2: I couldn't sleep, I couldn't eat, I was so just
11:26
Speaker 2: burnt out. And it wasn't because my job was working
11:29
Speaker 2: me hard. It was because I had put myself in
11:31
Speaker 2: this position and I knew that I needed to change.
11:34
Speaker 2: And I think that one of my core memories is
11:35
Speaker 2: just that laying awake, being like, what's got to change?
11:40
Speaker 2: And I didn't know. I didn't know at that time,
11:41
Speaker 2: and I think it was that hopelessness. Wasn't like, Wow,
11:44
Speaker 2: I have this revelation in the middle of the night,
11:47
Speaker 2: and I had all the answers. When I woke up
11:48
Speaker 2: and I started getting out of debt, I didn't I
11:51
Speaker 2: didn't have the answers. I just knew that I felt
11:53
Speaker 2: sick and something needed to change, and I didn't know
11:55
Speaker 2: what needed to change. But I was really embarrassed. So
11:58
Speaker 2: for me, that's a big memory to bring down the moad. No,
12:02
Speaker 2: but I feel like a lot of people like I,
12:04
Speaker 2: not to that extreme, but like when I had my DAT,
12:06
Speaker 2: I had like a similar thing. You go, how did
12:08
Speaker 2: I get here? Like what have I got to show
12:10
Speaker 2: for it? Like I think that feeling of like, oh
12:12
Speaker 2: my god, I'm an idiot always and like you're going
12:15
Speaker 2: I promise you're not, but like you just feel that
12:17
Speaker 2: way because like I would look down and see the
12:19
Speaker 2: pair of shoes on the floor that I didn't need,
12:21
Speaker 2: that I bought a week before, and I'm like, that's
12:23
Speaker 2: like one hundred and fifty dollars less that I could
12:26
Speaker 2: have had overdrawn on my account for this loan repayment.
12:29
Speaker 2: What you're doing?
12:30
Speaker 5: Yeah, that feeling like inside of you, I think is
12:32
Speaker 5: something a lot of people probably could identify with.
12:34
Speaker 2: And I needly that sounds so bad because like I
12:37
Speaker 2: don't want anyone to experience that feeling. But also, I
12:40
Speaker 2: told you before that I grew up seeing financial hardship,
12:44
Speaker 2: and I grew up, you know, experiencing these things. So
12:47
Speaker 2: it wasn't like I wasn't privy to the fact that
12:49
Speaker 2: money was important. For some reason, or lack of financial literacy,
12:54
Speaker 2: or you know, just treating myself a little too well,
12:57
Speaker 2: I ended up literally in the same position. That's how
13:00
Speaker 2: the cycle keeps going on. It happens and happens and happens,
13:03
Speaker 2: and that's fine. But let's lighten the mood because I
13:07
Speaker 2: can see Jess she's got her list. I sure do
13:10
Speaker 2: like what our community money wins and confessions this week.
13:13
Speaker 5: Firstly, this week, I've got a money win from Heather,
13:14
Speaker 5: who said she was chatting with a girl who was
13:16
Speaker 5: selling a few pairs of her Alice Katie' shorts on
13:18
Speaker 5: Facebook marketplace. She was tossing up on which color to
13:21
Speaker 5: buy from her, and when the package turned up, the
13:23
Speaker 5: girl had sent her two pairs of shorts with a
13:26
Speaker 5: handwritten note saying she knew that she was tossing up,
13:28
Speaker 5: so she threw both in what an angel. Oh, it's
13:32
Speaker 5: like a nice little a little sweet moment.
13:34
Speaker 2: I love that.
13:35
Speaker 5: Next, I've got a money in from Emily, who said
13:37
Speaker 5: she went onto her employe portal to see what benefits
13:40
Speaker 5: they offer, and she's now on a corporate health plan.
13:43
Speaker 5: Her curR insurance is bundled and she's saving herself eighty
13:45
Speaker 5: dollars a month. She's going over all of the other
13:48
Speaker 5: benefits that she can get. She's also managed to reduce
13:51
Speaker 5: her monthly phone bill. She's canceled subscriptions, one hundred and
13:55
Speaker 5: eighty bucks per month.
13:56
Speaker 2: Back in her pocket. Gorgeous. How good is that?
13:59
Speaker 5: Next, I've got one from Gemma, who said she entered
14:01
Speaker 5: a South Australian government cash back ballot and she won,
14:04
Speaker 5: so she gets up to fifty dollars back on meals
14:07
Speaker 5: at a heap of different places across Essay over the summer.
14:10
Speaker 3: Oh.
14:10
Speaker 5: I don't know if this is still running, but I
14:12
Speaker 5: thought good one to say. If you are in South Australia,
14:14
Speaker 5: maybe check your government website. There might be something there
14:17
Speaker 5: for you. Next, I've got a money in from Erin,
14:19
Speaker 5: who said she just saved about one hundred and fifty
14:21
Speaker 5: bucks on school uniforms by finding a local parents page
14:24
Speaker 5: where people buy a swap and sell secondhand. Ones's genius
14:29
Speaker 5: makes the firsty much less stressful, she said, and she's
14:32
Speaker 5: saving clothes from going into landfill, which I loved. And
14:35
Speaker 5: then last of this week, I've got money in from
14:37
Speaker 5: Ray who said she has consolidated all of her savings
14:40
Speaker 5: accounts so that the house deposit got a healthy boost
14:43
Speaker 5: right before the end of the year. She's so much
14:45
Speaker 5: closer now, not trying to juggle all of these different
14:47
Speaker 5: accounts that she had, and it's way less stressful as well.
14:51
Speaker 2: Adore, I literally love that good job everybody. I feel
14:55
Speaker 2: like that's really fun. But in what I'm more excited about.
14:59
Speaker 2: Love that broke to you lips. What have you got
15:03
Speaker 2: on the table? So this first one comes from Sigi,
15:05
Speaker 2: who that's cute names. I really love this name.
15:07
Speaker 4: That's this day, who says just bought Chelsea Goodwin's Money
15:12
Speaker 4: Saving Recipe book to try and find ways to cut
15:15
Speaker 4: the grocery bill during week, which I think is an
15:17
Speaker 4: incredible very excited to read it. So I think it's
15:20
Speaker 4: a great tip for people who are like because I
15:21
Speaker 4: think I'm kind of doing that. At the moment, I
15:23
Speaker 4: was going through my list of things for the week,
15:26
Speaker 4: that I had, Like I just realized I didn't have
15:28
Speaker 4: any money as per usual, but I was like, okay,
15:31
Speaker 4: how can I What can I scrimp on?
15:34
Speaker 2: And you really can do it cheaply. So I think
15:37
Speaker 2: it's such if we're just so biteful of.
15:39
Speaker 4: What we're buying every single second of every day, I
15:42
Speaker 4: think it's a really good place to start to save money.
15:44
Speaker 2: So for those of you who might not have heard
15:46
Speaker 2: of Chelsea, Yes, well, I think we need to give
15:49
Speaker 2: a little bit of an introduction. She's done an episode
15:51
Speaker 2: on the show. She's a friend of She's on the money,
15:54
Speaker 2: she is literally an angel. Will put the link to
15:57
Speaker 2: her episode in the show notes, and I'll also put
15:59
Speaker 2: the link to her book in the show notes as well,
16:01
Speaker 2: because she does ten dollar meal plans, so she's not
16:05
Speaker 2: just doing like, oh, here's a ten dollar meal that
16:07
Speaker 2: you can go and make. Because I think everybody now knows,
16:10
Speaker 2: sorry Curtis Stone, no longer does the ten dollar meal
16:14
Speaker 2: truly exist? Yes, but what she does is gives you
16:18
Speaker 2: like a weak meal plan and says, Okay, you're gonna
16:21
Speaker 2: buy this cut of chicken, divide it up like this,
16:24
Speaker 2: make sure that, like you know, the wings go into
16:26
Speaker 2: this and the breasts go into this particular dish and
16:30
Speaker 2: gives you a list. So you're not even like just
16:32
Speaker 2: doing one meal. She gives you like a number of them.
16:34
Speaker 2: I believe you can do three or five day plans.
16:37
Speaker 2: And she gives you the shopping list and you take
16:39
Speaker 2: it to the supermarket and it will come out in
16:41
Speaker 2: the wash to be. You know, if it's a five
16:42
Speaker 2: day plan about fifty dollars worth of groceries, you get
16:45
Speaker 2: five dinners out of it. Okay, amazing, Sorry for four
16:48
Speaker 2: people like serve meal plans serve two adults, two kids,
16:53
Speaker 2: okay for.
16:54
Speaker 4: Ten dollar rus sounds like approximately three for one single adults.
17:00
Speaker 2: Actually just so good, Like I love the concept. Don't
17:03
Speaker 2: get me wrong. We all know that I'm Amali Spoon
17:05
Speaker 2: Girly through and through because I just don't have the
17:08
Speaker 2: time or the capacity to pick out all of these things.
17:11
Speaker 2: But I'm also in a Facebook group. I'm actually part
17:14
Speaker 2: of her cult, like I am Chelsea's biggest fan. She's
17:16
Speaker 2: also based in Tasmania. We all know how much I
17:19
Speaker 2: love Tasmania given I'm from there, But go follow her
17:22
Speaker 2: on socials. I'll put that in the show notes too,
17:24
Speaker 2: because I love her so much, but the amount of
17:27
Speaker 2: people in her Facebook group that are sharing like more hacks,
17:30
Speaker 2: more tips and tricks, like additional add ons of like
17:33
Speaker 2: snacks that you can make, or how to make that
17:36
Speaker 2: meal so like you might be making a resulto or something,
17:38
Speaker 2: how to like freeze it so that you can get
17:40
Speaker 2: some freezer stash meals up, or even just sharing more
17:43
Speaker 2: money hacks and tips and tricks around saving on your groceries.
17:46
Speaker 2: Her Facebook group has it, so we'll link that as well. Chelsea,
17:50
Speaker 2: we love you. That's a really good recommendation, Beck. But
17:53
Speaker 2: for those of you who maybe hadn't been introduced to
17:55
Speaker 2: Chelse before, let this be your introduction. Hey you go
18:01
Speaker 2: there go Okay.
18:02
Speaker 4: My next one comes from Prayer, who gave a shout
18:04
Speaker 4: out to Prime Reading, which I had not heard of.
18:07
Speaker 4: So anyone who has an Amazon Prime membership has access
18:10
Speaker 4: to Prime Reading, where you can access over three thousand
18:13
Speaker 4: digital books, audiobooks, magazines, comics and more. You know that's incredible,
18:21
Speaker 4: Thank you, Priya. And then my one, what have you got?
18:24
Speaker 4: As I was just talking about before, I have no
18:26
Speaker 4: money for food, but I still want chocky and so
18:29
Speaker 4: I like to make a melted chocolate and strawberry situation.
18:33
Speaker 2: And I realized the other day the strawberries at the
18:35
Speaker 2: moment are so good. I know, God, they love God,
18:39
Speaker 2: They're good. But you know, the blocks are eight dollars sorry,
18:45
Speaker 2: like crazy. They were five dollars a year ago, Matt,
18:48
Speaker 2: I just say block. I thought was still a lot
18:51
Speaker 2: because in my head, Block of chocolate's four dollars fifty. Yeah, yeah, yeah,
18:55
Speaker 2: fully in my head.
18:56
Speaker 4: Sorry, I know, on special all the time, and like
18:59
Speaker 4: they were always on special, they were like three dollars fifty.
19:02
Speaker 2: I feel like when we talk about this stuff, like
19:04
Speaker 2: obviously I'm part of it, but I always think of
19:06
Speaker 2: when Kim Kardashian got asked on the Call Her Daddy
19:09
Speaker 2: podcast how much milk was, Oh, yes, and she didn't know,
19:12
Speaker 2: and I was like, Queen, we never know. It's changing
19:14
Speaker 2: every week. Don't get me wrong, she clearly doesn't know,
19:18
Speaker 2: but I was just like, every time, for some reason,
19:20
Speaker 2: Kim Kardashian comes into my head and for me, she's
19:22
Speaker 2: the marker of the cost of living crisis.
19:24
Speaker 4: Yes, exactly, exactly, but you know, if things ebbed and flowed,
19:29
Speaker 4: it's like, okay, right now, Coco is expensive, so it's
19:31
Speaker 4: more expensive. Soon it won't be down, not like that,
19:34
Speaker 4: not like that, It's just going to stay that way forever,
19:36
Speaker 4: no matter how cheap you gets. How are you getting
19:38
Speaker 4: cheap trucks anyway? Well, this is what I realized, you
19:40
Speaker 4: know how sometimes and this is not good for the environment,
19:43
Speaker 4: but you know, sometimes when you go into that first
19:45
Speaker 4: section of the chocolate aisle and there's just all those
19:47
Speaker 4: bars and they're like, oh really sometimes really really cheap.
19:50
Speaker 4: Sometimes you get like three for a dollar or something.
19:53
Speaker 4: Those for some reason are always really cheap. Anyway, I
19:55
Speaker 4: calculated that sometimes buying those instead of the bars when
20:00
Speaker 4: on sale, Yes, cheaper unit price. So it's like, what
20:03
Speaker 4: is it four hundred y grams or so for the block, Yeah,
20:06
Speaker 4: and you can get that same amount in the bars, yeah.
20:08
Speaker 2: Eighty gram bar or whatever cheaper, and it's not. I
20:12
Speaker 2: wouldn't have worked. I would have just sick. I mean,
20:15
Speaker 2: the chocolate's still in wrapping. Two is just bigger wrapping.
20:17
Speaker 2: So I'm not going to crucify you for that. Thank
20:19
Speaker 2: you so much, but like, you're right, I wouldn't have
20:22
Speaker 2: ever thought that the chocky bars that are like for
20:24
Speaker 2: individual consumption would be a money win, because like I
20:27
Speaker 2: would have thought that per gram would have been more expensive.
20:30
Speaker 2: And sometimes it's a money win. But if I've got
20:32
Speaker 2: individual chockey bars in my house, they're not going to last.
20:38
Speaker 2: So is it a money win? If I ate them
20:39
Speaker 2: all before I did what was intended with them? Still
20:42
Speaker 2: money win? That's the money you know what. I don't
20:44
Speaker 2: question people's money wins or Brooke Tip no no, or
20:48
Speaker 2: Bogs either. We just you know what. I'm not going
20:51
Speaker 2: to argue with you. Thank you, just not get it.
20:54
Speaker 2: Quain strawberries. Give them to Jess. What a good present?
20:58
Speaker 2: I just I love a choking struggleh God.
21:00
Speaker 5: I know.
21:01
Speaker 2: Let's go to a really quick break actually, because we
21:03
Speaker 2: have let this episode get away from us, and I
21:05
Speaker 2: know that you are all waiting for us to answer
21:07
Speaker 2: the money dilemma, which is all about whether you should
21:09
Speaker 2: actually think about seeing a financial advisor, and then something
21:13
Speaker 2: spicy that split into our dms this week, What do
21:15
Speaker 2: you do when someone isn't paying for the medical care
21:18
Speaker 2: that their pet needs. Don't go anywhere. Welcome back, everybody.
21:26
Speaker 2: Let's take a listen to this week's money dilemma. Hi,
21:31
Speaker 2: there have you got a money dilemma? You just can't
21:33
Speaker 2: solve the Sheese on the Money team is here to help.
21:36
Speaker 2: Every week, we tackle your dilemmas, both big and small,
21:39
Speaker 2: to answer your most burning money, career and life questions.
21:42
Speaker 2: To get involved, simply head to our website and leave
21:45
Speaker 2: us a short voice recording and you might just find
21:47
Speaker 2: yourself on the show. Now, let's take a listen to
21:50
Speaker 2: this week's money dilemma.
21:54
Speaker 3: Hi, ladies, love the pod. For as long as I
21:56
Speaker 3: can remember, my big financial goal has been to say
22:00
Speaker 3: my house deposit and get an apartment, which I've just
22:02
Speaker 3: bought in the last couple of months, which I'm so
22:04
Speaker 3: excited about. But now I'm kind of thinking about what
22:08
Speaker 3: my next goals are and what those next steps are
22:11
Speaker 3: towards you're building a big financial future. I'm wondering whether
22:15
Speaker 3: it's too early to start talking to a financial planner.
22:18
Speaker 3: I'm thirty seven currently with about thirty thousand in savings,
22:23
Speaker 3: just wondering if you can give any advice on when's
22:26
Speaker 3: the right time to see a financial planner and if
22:28
Speaker 3: I need to have more money I guess to play
22:31
Speaker 3: with for that conversation to be worthwhile. Any advice you've
22:34
Speaker 3: got would be great. Thanks.
22:36
Speaker 2: What do you guys reckon? It's a good question. I
22:39
Speaker 2: think about this too. I'm like, if you have.
22:43
Speaker 4: Savings, and I guess, at what point is it beneficial
22:48
Speaker 4: to spend those savings on ways to save more and
22:52
Speaker 4: better and more efficiently.
22:53
Speaker 2: I guess I'm not very helpful because I have the.
22:56
Speaker 4: Same question in my head, But I think, like, if
22:58
Speaker 4: it's going to beneficial, then I guess anytimes a good
23:00
Speaker 4: time if you can afford it, right, I don't.
23:03
Speaker 2: Know, miss j Goricci.
23:04
Speaker 5: I'm of the opinion that I personally would only want
23:07
Speaker 5: to see an advisor for help with something that I
23:09
Speaker 5: could not do myself.
23:10
Speaker 2: Ah, and she's a financially literate queen, so whates she do.
23:14
Speaker 5: So it's obviously a big investment to see an advisor.
23:17
Speaker 5: You would have a much better pulse check on this.
23:18
Speaker 5: But it's several thousand dollars generally for a holistic statement
23:21
Speaker 5: of advice.
23:22
Speaker 2: Okay, so finance just to caveat, not you keep going,
23:26
Speaker 2: but just a caveat. Advice in Australia sits between five
23:29
Speaker 2: and seven thousand dollars for a statement of advice, and
23:31
Speaker 2: that's your initial piece.
23:33
Speaker 5: Yes, So like for me to make that investment. I
23:35
Speaker 5: wouldn't be wanting to see an advisor for them to
23:39
Speaker 5: tidy up my finances. Like that's something you can do yourself,
23:42
Speaker 5: or you can.
23:43
Speaker 2: Speak to Carre.
23:44
Speaker 5: Yeah, there are lots of other things that or other
23:46
Speaker 5: people you can talk to that don't require financial advisor specifically.
23:50
Speaker 5: I would only be going to a financial advisor again personally,
23:52
Speaker 5: if I needed help with like gearing my assets for
23:56
Speaker 5: tax purposes.
23:57
Speaker 3: Who is she?
23:58
Speaker 2: Sorry? When you started on the podcast, you would never
24:01
Speaker 2: be like, I'll see an advisor when I want to
24:03
Speaker 2: gear my assets. Oh, my name's Steven and I work
24:08
Speaker 2: in finance. No, I'm just kidding. No, he works in analytics.
24:11
Speaker 2: I know that's exactly.
24:14
Speaker 5: So something like that, Or if I wanted help with
24:16
Speaker 5: my investments, but for my personal strategy and the amount
24:19
Speaker 5: that I'm investing, I'm very happy and able to manage
24:22
Speaker 5: that by myself. I think that it just wouldn't be
24:25
Speaker 5: worth it for me. I'm team like, there's so much
24:28
Speaker 5: information out there. I learned everything I know from this
24:31
Speaker 5: podcast from Victoria, and.
24:33
Speaker 2: She was learning everything from the podcast before she started
24:36
Speaker 2: working for the podcast. That's why she got her job,
24:39
Speaker 2: because she made me this and this is like a
24:41
Speaker 2: flashback to those who listened to like early season two
24:44
Speaker 2: that you were on. She literally made me a YouTube
24:47
Speaker 2: video of how she had used the information from the
24:51
Speaker 2: podcast to change her life. And she's like, and now
24:53
Speaker 2: I want to work with you guys, And I was like, welcome,
24:55
Speaker 2: come this way. Oh my god, I didn't mind that.
24:58
Speaker 2: I'm going to find it. Yeah. Please.
25:01
Speaker 5: There's lots of resources out there, and I just think
25:03
Speaker 5: to make that investment of five seven thousand dollars, you
25:05
Speaker 5: would want it to be. Not that financial advice is
25:08
Speaker 5: not worth their while, like it absolutely is, but I
25:10
Speaker 5: think only in specific situations.
25:12
Speaker 2: One hundred percent. I guess I'll just fly through this
25:14
Speaker 2: because I really do back what both of you have said.
25:18
Speaker 2: As an ex financial advisor, there is a thousand percent
25:22
Speaker 2: value in seeing a financial advisor, but caveat it's expensive
25:27
Speaker 2: to do so that doesn't mean you shouldn't see them.
25:30
Speaker 2: But if you're talking about your savings and you're just
25:33
Speaker 2: wanting a little bit of guidance, I probably would shy
25:36
Speaker 2: away from it a little bit. There are lots of
25:38
Speaker 2: different types of financial advisors as well, so you guys
25:42
Speaker 2: know that Phil Thompson friend of the show. We always
25:44
Speaker 2: talk about sky wealth because I'm wildly passionate about making
25:48
Speaker 2: sure that you get your insurances sorted. Like it's not
25:51
Speaker 2: the sexiest thing in the world. But most people only
25:53
Speaker 2: go to see a insurance financial advisor when they experience
25:58
Speaker 2: a life event. So they will usually see and this
26:00
Speaker 2: is just really unfortunate. They might see someone else going
26:03
Speaker 2: through a life event and go, oh my god, this
26:05
Speaker 2: happened to my friend. I want to make sure I'm protected.
26:07
Speaker 2: Or they have been diagnosed with something, or they've changed
26:10
Speaker 2: jobs or had a baby, or bought a house or
26:13
Speaker 2: you know, gotten married, like their big life events usually
26:16
Speaker 2: send people to a insurance financial advisor, and they just
26:19
Speaker 2: want to be very clear that their fees are around
26:21
Speaker 2: five hundred dollars because they are not holistic. So you
26:25
Speaker 2: go to a Fiel's company. Yeah, like it's a thousand
26:27
Speaker 2: from my perspective, I've done that. Sorry, that is it. Yeah,
26:30
Speaker 2: from my perspective, go see an insurance advisor. So Jess
26:33
Speaker 2: technically has a financial advisor or her insurances, and I
26:36
Speaker 2: believe you talk to them sometimes about super because they're
26:38
Speaker 2: still financial advisors. They know their stuff. You can like
26:40
Speaker 2: slip in a few little questions here. It's so good,
26:44
Speaker 2: but getting that sorted, I fear is a non negotiable
26:48
Speaker 2: for me. Yes, so spend the money on that. But
26:50
Speaker 2: when we're talking about holistic financial advice, that type of
26:54
Speaker 2: advice costs between five and seven thousand dollars, and most
26:58
Speaker 2: of the time I'd prefer you to have that five
26:59
Speaker 2: or seven one thousand dollars still in your savings account.
27:02
Speaker 2: So Jess is right. There's so much information there about
27:05
Speaker 2: cleaning up your own finances, Like there's a free budget
27:08
Speaker 2: on our website that you can do, Like you could spend,
27:11
Speaker 2: you know, a couple of hundred dollars to do my
27:13
Speaker 2: money masterclass, which would give you an entire cash flow
27:16
Speaker 2: system and would even direct you towards which money goes
27:20
Speaker 2: into which bank accounts, Like there are so many different
27:23
Speaker 2: options out there that put you in the best possible position.
27:26
Speaker 2: But unless you're wanting to see a financial advisor who's
27:29
Speaker 2: holistic to take care of all your supranuation, your investment strategy,
27:34
Speaker 2: your insurances, and literally everything else, I probably would shy
27:39
Speaker 2: away from it a little bit. And it's honest to God.
27:42
Speaker 2: One of the reasons I am not a financial advisor anymore.
27:45
Speaker 2: I just couldn't justify it. Don't get me wrong, the
27:48
Speaker 2: advice I was giving was putting people in hundreds of
27:51
Speaker 2: thousands of dollars better off situations. But the idea that
27:56
Speaker 2: if I became not a financial advisor, I could keep
27:58
Speaker 2: giving more financial literacy way for free, and I could
28:01
Speaker 2: keep guiding people down the garden path to be like,
28:03
Speaker 2: make your own decisions, but here's a plethora of resources
28:05
Speaker 2: that you could use. I feel like my IMPACT's bigger here,
28:08
Speaker 2: and like that's I guess, you know, a very good
28:11
Speaker 2: indicator that I believe maybe in doing it yourself. Yeah,
28:14
Speaker 2: we have a full episode two called Financial Advisors, Who What?
28:17
Speaker 1: When?
28:17
Speaker 2: We're How?
28:18
Speaker 5: And that takes you guys did that, and it takes
28:20
Speaker 5: everyone through a much more in depth look at the
28:23
Speaker 5: things you can examine, because we definitely do have people
28:25
Speaker 5: that we recommend.
28:25
Speaker 2: To absolutely, so we'll link that in the show notes.
28:28
Speaker 2: And what we'll also link in the show notes is
28:31
Speaker 2: if you've gone all right, well, via I hear you
28:33
Speaker 2: it is expensive, I've actually come into an inheritance, or
28:36
Speaker 2: I've actually decided that I need a personal trainer for
28:39
Speaker 2: my money and five grand I know it sounds like
28:41
Speaker 2: a lot, but like I know, I'll be hundreds of
28:43
Speaker 2: thousands of dollars better off in the long term, and
28:45
Speaker 2: I'll have this person on my team. I can match
28:48
Speaker 2: you with a financial advisor, so I'm not saying they're bad.
28:52
Speaker 2: I have so like as you can understand, most of
28:55
Speaker 2: my friends are financial advisors and I believe in them.
28:57
Speaker 2: And I have a number of advisers that I could
29:00
Speaker 2: match you with. So go to our website bill in
29:02
Speaker 2: our get matched with a financial advisor form. My team
29:05
Speaker 2: will have a look at it and match you with
29:07
Speaker 2: one that is right and what we believe perfect for
29:10
Speaker 2: your situation. Because once you've decided to see a financial advisor,
29:14
Speaker 2: one of the most complicated things is finding one that's
29:16
Speaker 2: not dodgy. Anyway, let's leave that there, because spicy content
29:22
Speaker 2: is calling my name. Yay, are you ready ready? This week,
29:26
Speaker 2: I had someone slide into our dams and I put
29:28
Speaker 2: it on the stories for you guys to get involved.
29:31
Speaker 2: And I'm not gonna lie. I picked this one because
29:33
Speaker 2: pissed me off the most. Hi. My sister in law
29:36
Speaker 2: lives with my partner and his mother after she left
29:38
Speaker 2: a toxic relationship She's an amazing, dedicated mum and has
29:42
Speaker 2: a dog who is absolutely gorgeous cure so far, he's
29:47
Speaker 2: recently broken out of the gate, ran onto the road,
29:50
Speaker 2: and was hit by a car. We all rushed him
29:52
Speaker 2: to the emergency vet. He survived, thankfully, but suffered head
29:56
Speaker 2: trauma and needs ongoing checkups. My sister in law keeps
29:59
Speaker 2: delaying follow ups, and I think it's because of the money.
30:03
Speaker 2: But she gets a fair bit of government support, earns
30:05
Speaker 2: more than me, and spends freely on a lot of
30:07
Speaker 2: non essentials. Morally, I can't stand by and watch him
30:11
Speaker 2: potentially suffer. I've offered to get quotes and even pay
30:14
Speaker 2: for it myself, but she doesn't reply to me. I
30:16
Speaker 2: already covered the emergency bill, but I don't want to
30:19
Speaker 2: set the expectation that I'm always going to pay in
30:21
Speaker 2: this circumstance. I just wish she'd prioritize him. Here's her dog.
30:26
Speaker 2: What would you do, sister in law? A mother sister
30:29
Speaker 2: in law? It says my sister in law lives with
30:32
Speaker 2: my partner and his mom. I got it, okay, thanks,
30:34
Speaker 2: So her.
30:34
Speaker 4: Partner lives with his mum, and then the sister just
30:36
Speaker 4: moved back is the mother? Is that just her partner
30:42
Speaker 4: and her partner's sister, And yeah, I think so they're
30:45
Speaker 4: the mom.
30:45
Speaker 2: Yeah, Like I like that. We're getting into the semantics
30:48
Speaker 2: of it. So the mom has a house clearly, and
30:50
Speaker 2: her partner lives in that house, and then her sister
30:52
Speaker 2: in law has just moved back into the family home.
30:55
Speaker 2: I'm assuming two siblings one mom. Yeah's so funny, as
30:57
Speaker 2: she said his mom, Yeah, I had a little turn around.
31:00
Speaker 2: That's okay. I want to know about the dog content,
31:03
Speaker 2: not the literal situation there. You're so right, You're all right, Sorry,
31:06
Speaker 2: what would I do?
31:06
Speaker 4: I guess because as you were talking, I was thinking, like,
31:09
Speaker 4: oh my god, Like I know that in hindsight you
31:12
Speaker 4: always say like, oh, don't get a dog if you
31:14
Speaker 4: can't afford it. I understand, but things aren't always perfect,
31:16
Speaker 4: and sometimes you get into situations that you can't afford
31:18
Speaker 4: and you're just stressed and anxious and you don't know
31:19
Speaker 4: what to do. So as you were talking, I was like,
31:21
Speaker 4: she's probably feeling like that. But then you said that
31:23
Speaker 4: you were offering to pay you pay for the emergency thing.
31:27
Speaker 4: She doesn't reply, And now I'm like, is it the
31:29
Speaker 4: money is it the admin?
31:31
Speaker 2: I'm like, what is it? I think I would try
31:34
Speaker 2: and see because your partner lives with the dog too,
31:36
Speaker 2: so I would kind of like talking to my partner
31:38
Speaker 2: being like, what the heck's going on with the dog?
31:39
Speaker 4: Yeah, I would talk to my partner and see how
31:41
Speaker 4: the dog's going, like if the dog seems like it's
31:43
Speaker 4: really in the a bad way or like, is maybe
31:46
Speaker 4: because I know it's just like it kind of does
31:48
Speaker 4: need check ups?
31:49
Speaker 2: Is it currently suffering? Do we know?
31:52
Speaker 4: It's hard to say, but I think is there anyway
31:54
Speaker 4: your partner can get involved here?
31:55
Speaker 2: Because it feels like it's you or your fire. Yeah,
32:00
Speaker 2: it's very hard to watch, I understand.
32:01
Speaker 4: I think, like, honestly, I know this sounds like extreme,
32:04
Speaker 4: but I've been in situations where I have had to
32:06
Speaker 4: call RSPCA and just and explain the situation, because sometimes
32:10
Speaker 4: it is better to get the dog in safer hands,
32:15
Speaker 4: even if you I have a friend who's literally stole
32:18
Speaker 4: the dog that was being treated poorly, and now the
32:21
Speaker 4: dog is in a beautiful, safe home.
32:23
Speaker 2: And sorry, I would recommend I cannot, like, I'm sorry,
32:26
Speaker 2: I'm such an animal person. I'd steal a dog absolutely, Sorry,
32:30
Speaker 2: I would if I could get away with it, and
32:32
Speaker 2: I knew that I wouldn't go to jail. But and
32:34
Speaker 2: it's a dog.
32:35
Speaker 4: If you know the dog's being treated badly, I definitely knew,
32:38
Speaker 4: So I think in this situation, like, yeah, see if
32:40
Speaker 4: your partner can get involved. Doesn't sound like a partner's
32:43
Speaker 4: doing anything about this either, Like it just sounds like
32:45
Speaker 4: it's you in a separate house looking at what's happening
32:49
Speaker 4: and not having any control or power of a situation,
32:52
Speaker 4: trying to help and not getting anywhere. And that's really
32:54
Speaker 4: really stressful. So maybe your partner can try and talk
32:57
Speaker 4: to I'm assuming his sister and if you can talk
33:00
Speaker 4: some sense into her or like figure out why she's
33:02
Speaker 4: not replying, ask him to tell her to reply to you, Like,
33:04
Speaker 4: get the partner involved. It sounds like he's more close
33:07
Speaker 4: to the situation, you know. But yeah, for the meantime,
33:10
Speaker 4: if it gets really really dire, steal the dog or
33:14
Speaker 4: call RPKA. I think that just to be very clear
33:17
Speaker 4: that advice is coming from miss Becky. Yes, she's on
33:19
Speaker 4: the Money podcast. She's on the Money podcast. Will still
33:27
Speaker 4: air that content.
33:30
Speaker 2: Because everybody is open to their opinions. I couldn't agree more.
33:34
Speaker 2: I do agree.
33:35
Speaker 5: I think that it sounds like the people in the
33:37
Speaker 5: house probably need to be the ones to tackle it.
33:39
Speaker 5: They're also probably better place because they're family. Like having
33:41
Speaker 5: an outsider coming and make commentary, whether it's on your
33:44
Speaker 5: financial position, whether it's on the way you're taking care
33:46
Speaker 5: of your animals, it's probably not gonna it's gonna put
33:48
Speaker 5: her off side. So I think it's best to at
33:51
Speaker 5: your partner, maybe his mum involved in that conversation. Yeah,
33:55
Speaker 5: it's kind of really in two places, because if she's
33:57
Speaker 5: not doing it because of the finances, there are resources
33:59
Speaker 5: out there that are available to help her with those bills.
34:02
Speaker 5: A lot of the animal shelters animal charities will provide
34:06
Speaker 5: free care, reduced cost care payment plans, et cetera, dependent
34:10
Speaker 5: on the situation. So that is an option that is
34:12
Speaker 5: available to her. If it's that she's just a poor
34:15
Speaker 5: pet owner. I have a lot less empathy because I
34:19
Speaker 5: think you were saying, suss, if the dog seems fine,
34:23
Speaker 5: I actually don't think that's an acceptable option because if
34:26
Speaker 5: a medical professional has told you and I personally treat
34:29
Speaker 5: a pet as a human like I'm a little bit crazy,
34:32
Speaker 5: like I'm a member of the family. You are responsible
34:36
Speaker 5: for them. In adopting or purchasing a pet, you have
34:38
Speaker 5: taken on the responsibility to uphold their care. And there
34:43
Speaker 5: are a lot of medical things and like I know
34:45
Speaker 5: this now is like I have a cat who was
34:47
Speaker 5: diagnosed with something he was suffering with theoretically for since
34:50
Speaker 5: birth that we had no idea until we caught it right,
34:53
Speaker 5: and that was only because we were getting things checked.
34:56
Speaker 5: You there can be things going on that are not
34:58
Speaker 5: apparent or that might take a while to manifest physically.
35:01
Speaker 5: It's if a medical professional has said this dog needs
35:04
Speaker 5: to be checked regularly to make sure they don't have
35:05
Speaker 5: a concussion, or they don't have internal bleeding, or they
35:08
Speaker 5: don't have whatever.
35:09
Speaker 2: You're not gonna hit by a car and someone told
35:11
Speaker 2: you to follow it up and then you didn't. I
35:13
Speaker 2: just feel like that slack ye one hundred percent follow
35:15
Speaker 2: the advice of the medical professional. I get that.
35:17
Speaker 5: It's like I hate paying vet bills. There's nothing worse. However,
35:21
Speaker 5: it is very important you signed up for this exactly right.
35:25
Speaker 5: And if it's again, I do have sympathy if it's
35:27
Speaker 5: a financial thing, and I think definitely lean on those resources,
35:30
Speaker 5: But the fact that she's not coming back to our
35:32
Speaker 5: listener makes me think that it's more than that. Either
35:34
Speaker 5: she's embarrassed, in which case I do. I understand, but
35:39
Speaker 5: you've got to get over it, basically, like you have
35:40
Speaker 5: a responsibility to uphold. You need to find a way
35:43
Speaker 5: to make that happen. And if it's just she's perceiving
35:46
Speaker 5: it as not important, that's a whole other issue.
35:49
Speaker 2: Yeah, I really struggle with this question. I'm a pet person,
35:52
Speaker 2: just like Jess. I have two Burmese cats and a
35:56
Speaker 2: dog led Lucy, and you guys have heard about them
35:59
Speaker 2: a million times, and they are the loves of my life.
36:02
Speaker 2: In fact, I remember when I was pregnant with Harvey,
36:04
Speaker 2: people would message me, what's going to happen with Lucy
36:07
Speaker 2: now that you're having a baby? Crazy? And people assumed
36:10
Speaker 2: I would like give away my dogs or my cat
36:12
Speaker 2: because I was having a child. And then people would
36:15
Speaker 2: make weird comments. And I call them weird comments because like,
36:17
Speaker 2: I didn't ask for your opinion, but weird comments like oh,
36:20
Speaker 2: once the baby comes along, the pets get completely sidelined.
36:23
Speaker 2: Absolutely not like, don't get me wrong, At the time,
36:26
Speaker 2: I'm like, oh, well, I guess I've never been a parent.
36:28
Speaker 2: I'm not going to understand until i am. Those pets
36:30
Speaker 2: have never been more loved, like they are still part
36:33
Speaker 2: of the family. And please, don't get me wrong. You
36:35
Speaker 2: might be going, oh, Victory Devines speaking from a place
36:37
Speaker 2: of privilege, she can afford her betvills. You are absolutely correct.
36:40
Speaker 2: But my first cat, Bailey, is now sixteen years old,
36:43
Speaker 2: and I bought him with the last two hundred and
36:46
Speaker 2: fifty dollars that I had in my account from someone
36:49
Speaker 2: putting him up for adoption on gum Tree. And was
36:53
Speaker 2: that a good financial decision? Arguably not terrible financial decision
36:58
Speaker 2: like using your last two hundred and fifty dollars. I
37:01
Speaker 2: had no savings, I had no emergency fund, nothing, but like,
37:05
Speaker 2: I wanted this cat so bad. And this is why
37:07
Speaker 2: I'm like, no, no, no, I get it when it
37:09
Speaker 2: comes to pets, because yes, there's gonna be a lot
37:11
Speaker 2: of people who go they need to be in the budget.
37:13
Speaker 2: You need an emergency fund for this. That the other
37:15
Speaker 2: I get it. That is the advice I will give
37:17
Speaker 2: you because that is what is going to put you
37:19
Speaker 2: in the best possible position. But like at the time,
37:22
Speaker 2: I needed a pet. I was stressed, and I knew
37:24
Speaker 2: that this would be the best thing for me and
37:26
Speaker 2: that cat, I swear to God, is the love of
37:28
Speaker 2: my life. If anything happens to that cat, this podcast
37:31
Speaker 2: is canceled, I will never be able to get out
37:33
Speaker 2: of bed, which is not a great thing to say
37:37
Speaker 2: when your cat is sixteen years olds. But even in
37:41
Speaker 2: those times, I remember being like, well, I would just
37:45
Speaker 2: go into debt. I suppose, like I remember my parents
37:48
Speaker 2: being like Victoria to Fine, like, you can't have a pet.
37:50
Speaker 2: You are in a share house for one. You also
37:55
Speaker 2: don't have any money. How are you? And this is
37:57
Speaker 2: before I even got myself into debt, so yolo, I
38:00
Speaker 2: was just never good at money from the start. I
38:03
Speaker 2: would have happily gone into debt. Hey day, loan great,
38:06
Speaker 2: it's for my cat, Like it would have just not
38:08
Speaker 2: been a question in the same way that if my
38:11
Speaker 2: child needs something, I'm going to pay for it. But
38:14
Speaker 2: I just don't comprehend, and I think this is a
38:19
Speaker 2: really hard thing to do. But I can't comprehend when
38:22
Speaker 2: people don't care about things as much as I do,
38:24
Speaker 2: and I know they don't. Otherwise, if people cared as
38:27
Speaker 2: much about animals as Jess and I do. The RSPCA
38:30
Speaker 2: wouldn't exist because it wouldn't be necessary because that stuff
38:34
Speaker 2: would just never happen. And so yeah, I really just
38:38
Speaker 2: struggle with it and kind of go. I just think
38:41
Speaker 2: that irrespective of your financial situation, like you should be
38:45
Speaker 2: looking into it. Can you go directly to the RSPCA,
38:48
Speaker 2: like maybe the local vet is really expensive. I know
38:51
Speaker 2: that there are welfare clinics. I know that there are
38:53
Speaker 2: people out there who you know, would help put your
38:57
Speaker 2: hand up, And honestly, if you're not able to look
38:59
Speaker 2: up after the PET, I think you need to find
39:01
Speaker 2: a better option. And I'm not saying that going into
39:04
Speaker 2: debt's a good thing, but like from my perspective, that's
39:07
Speaker 2: exactly what I would have done. And you know what
39:09
Speaker 2: I did. One time, I put like fifteen hundred dollars
39:12
Speaker 2: on my credit card with Bailey. I'd had him for
39:14
Speaker 2: maybe three years because he's an idiot and swallowed a
39:17
Speaker 2: paper clip. Are you joking? Yeah, but I didn't have
39:21
Speaker 2: that money. Yeah, Like that second the vet said, oh,
39:23
Speaker 2: this is going to be like fifteen hundred bucks. Of
39:26
Speaker 2: these days, it would probably cost you four grand for
39:27
Speaker 2: the same surgery, but he literally had to have surgery
39:30
Speaker 2: to remove a paper clip because the idiot is followed.
39:33
Speaker 5: Yeah, and if all else fails, I know it's not
39:35
Speaker 5: a fun option, but you can rehome the animal and
39:38
Speaker 5: find it a loving place in a family that can
39:40
Speaker 5: take on the medical care.
39:42
Speaker 2: And me's exactly all right. So I asked the community,
39:44
Speaker 2: and thankfully, I think we're all pet people. The first
39:49
Speaker 2: question I asked was what would you do if you
39:50
Speaker 2: were our community member. Fifty seven percent of you said,
39:53
Speaker 2: please be direct about your concerns, twenty seven percent said
39:57
Speaker 2: stay out of it, it's her dog, eleven percent said
40:00
Speaker 2: take the dog yourself the beck, and five percent said
40:03
Speaker 2: go start getting quotes. Anyway. I asked another question, would
40:07
Speaker 2: you be able to handle unexpected ongoing pet costs? Thirty
40:11
Speaker 2: two percent said, and I love this. You said, I've
40:14
Speaker 2: built it into my emergency fund. Nice snap. Twenty eight
40:17
Speaker 2: percent of you don't have pets, so that's fine. Twenty
40:20
Speaker 2: one percent of you said I have pet insurance, and
40:22
Speaker 2: nineteen percent of you said hopefully I'd have to find
40:25
Speaker 2: the money at the time, which, like, I get it,
40:29
Speaker 2: and I think it's it. This is where like money
40:32
Speaker 2: reality and money, like expectations and the blueprint of like
40:36
Speaker 2: perfectly saving and investing come in conflict because your emotions
40:40
Speaker 2: are involved totally. And that's okay too. So then I said, guys,
40:44
Speaker 2: what's your two cents? So first person said, since she
40:47
Speaker 2: paid the emergency bill, I believe you have the ability
40:50
Speaker 2: to voice your concerns. I do agree with that, Like,
40:53
Speaker 2: you're the one that paid, and then they're not following up.
40:56
Speaker 2: And I'm assuming you didn't ask for money back because
40:58
Speaker 2: you just said I paid for it, and then you
41:00
Speaker 2: didn't say and she paid me back.
41:02
Speaker 3: Yeah. Yeah.
41:03
Speaker 2: Next person said, speak with your partner about the situation. Yes,
41:06
Speaker 2: he may be able to speak with your sister in
41:08
Speaker 2: law and get through to her or even talk to
41:10
Speaker 2: her mum. Yeah, I'm gonna call your mom. Literally, you
41:12
Speaker 2: don't sometimes you have to. Someone said, as a vet,
41:15
Speaker 2: this is really sad. Perhaps she can tell her sister
41:18
Speaker 2: in law about welfare vet clinics. Yeah, there's often one
41:22
Speaker 2: if you google it. Next person said, you can't expect
41:25
Speaker 2: people to have the same values and morals as you.
41:28
Speaker 2: It's a really sad reality, but it is true. It
41:30
Speaker 2: is true. But that doesn't mean you have to be
41:32
Speaker 2: a bystander.
41:32
Speaker 5: And let it happen.
41:33
Speaker 2: Totally agreed. Another person said, in all capital letters, pets
41:38
Speaker 2: are expensive. It's not just the upfronts and the food.
41:41
Speaker 2: You need to build it into savings. It's true, absolutely
41:45
Speaker 2: in a perfect world. Yes, The next person said, this
41:48
Speaker 2: person is making lots of assumptions about someone else's financial position.
41:52
Speaker 2: That's fair, That's what I was thinking a little bit.
41:55
Speaker 5: But we don't know. We don't know.
41:57
Speaker 2: Yeah, but I feel like, how do I say this
42:01
Speaker 2: because our values and our morals are overlaid over the
42:05
Speaker 2: top of this. Yeah, And I just assume that if
42:08
Speaker 2: you saw a pet that was not well, you would
42:12
Speaker 2: want to get it help. And I am trying to
42:15
Speaker 2: justify why you might not do that. Beck, I feel
42:18
Speaker 2: like money is a really good excuse in your head
42:22
Speaker 2: to fall back on and go, well, it must be
42:24
Speaker 2: the money. It's not because they don't care. But if
42:26
Speaker 2: you really want to believe in altruism and you really
42:30
Speaker 2: want to believe in the goodness of the human spirit,
42:33
Speaker 2: and that they would care, Yeah, that's true, because I
42:36
Speaker 2: would prefer to think that someone didn't have the money,
42:38
Speaker 2: not that they didn't care about a pet's life. Does
42:41
Speaker 2: that make sense. So I feel like money is a
42:43
Speaker 2: perfect fallback to be like, do you know what, They
42:45
Speaker 2: probably just don't have the money, and that's making the
42:47
Speaker 2: most conversation really hard. And that makes the most sense
42:50
Speaker 2: to me to justify this situation as being okay, because
42:54
Speaker 2: the alternative is that she's maybe not a good person,
42:58
Speaker 2: and I don't like that. No, the next person said,
43:01
Speaker 2: I'm a vet nurse and some vets will actually report
43:03
Speaker 2: you if you don't follow up. Oh, I kind of
43:05
Speaker 2: love her, Okay, slaghay them a call to check you.
43:09
Speaker 2: I would assure, yeah, I feel like you've miss your appointment.
43:11
Speaker 5: But like if yeah, I mean, if you suspect abuse,
43:13
Speaker 5: then that is probably their responsibility.
43:15
Speaker 2: Absolutely, yeah, and that's probably a really great place to
43:17
Speaker 2: leave at. My loves. We will see you bright and
43:19
Speaker 2: early on Monday morning for a money darry. Until then,
43:22
Speaker 2: have the best weekend, See soon. Hi. The advice shared
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