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FRIDAY DRINKS: Tangible Actions For Equal Pay! · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order, Kernie Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money.
• 0:36
  Speaker 2: She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on the mo the podcast
• 1:01
  Speaker 4: for millennials who want financial freedom Today, my friends, is
• 1:05
  Speaker 4: Friday again comes around every week so strange, which means
• 1:09
  Speaker 4: it is time to sit back with the girls with
• 1:11
  Speaker 4: a bev in hand, to unpack the week that was,
• 1:14
  Speaker 4: and of course to celebrate you how incredible She's on
• 1:18
  Speaker 4: the Money community. As always, we're going to be sharing
• 1:20
  Speaker 4: our favorite money wins or Georgia King will be. We
• 1:22
  Speaker 4: never contribute anything, do we, Jess. We're going to be
• 1:25
  Speaker 4: discussing what's making news in the finance world, and we
• 1:27
  Speaker 4: are going to be answering a juicy money question, which
• 1:30
  Speaker 4: this week is very self indulgent. I mean, I didn't
• 1:33
  Speaker 4: ask the question, but I'm very happy to answer. It's
• 1:35
  Speaker 4: about my budgeting cash flow system and how all of
• 1:38
  Speaker 4: the different bank accounts work and fit together, which I
• 1:41
  Speaker 4: cannot wait to dive into.
• 1:42
  Speaker 2: But before we.
• 1:43
  Speaker 4: Get their, miss Jessicarichi, tell us what happened on our
• 1:47
  Speaker 4: Monday's Money.
• 1:48
  Speaker 2: Diary this week.
• 1:49
  Speaker 3: We had a beautiful multi mother of two who worked
• 1:52
  Speaker 3: in emergency services and she had an egg donor.
• 1:54
  Speaker 4: An actual queen, and it was a really.
• 1:57
  Speaker 3: Unique situation because she spoke about this couple who put
• 2:01
  Speaker 3: a call out online trying to find a donor because
• 2:04
  Speaker 3: they wanted someone who.
• 2:06
  Speaker 2: Had the same heritage.
• 2:07
  Speaker 3: Yeah, exactly right, like they wanted, I guess for their
• 2:10
  Speaker 3: family to follow that lineage in a sense. And she
• 2:14
  Speaker 3: reached out because she fit the description of what they
• 2:16
  Speaker 3: were looking for. And she developed this relationship with this
• 2:20
  Speaker 3: couple and she you know, had their child and they're
• 2:22
  Speaker 3: still in contact and it was such an it made
• 2:25
  Speaker 3: my heart so happy. Oh my god, it was really
• 2:28
  Speaker 3: really special. And the way she spoke about it. She
• 2:31
  Speaker 3: was so passionate about giving a family an opportunity to
• 2:35
  Speaker 3: have a child that they couldn't have by themselves. And
• 2:38
  Speaker 3: she was really open, and to be honest, I didn't
• 2:40
  Speaker 3: know a lot about any of the egg donor or
• 2:44
  Speaker 3: like any of that process, and she was really happy
• 2:46
  Speaker 3: to share what it was like and how that worked financially,
• 2:49
  Speaker 3: and we.
• 2:49
  Speaker 4: Asked a lot of really intimate questions and she's so
• 2:52
  Speaker 4: grateful for But you know, this whole week, I've just
• 2:55
  Speaker 4: been thinking like, oh my gosh, Like there was this
• 2:58
  Speaker 4: gay couple who weren't sure if they could have a
• 3:00
  Speaker 4: baby worked out the process and them were like, oh,
• 3:03
  Speaker 4: we just don't know. Like we've worked out how we
• 3:06
  Speaker 4: go through the process. We've found someone who can be
• 3:08
  Speaker 4: the surrogate, but is any way we can intertwine our
• 3:11
  Speaker 4: heritage into this. They put this call out out and
• 3:15
  Speaker 4: had her reply and she was like the perfect match
• 3:17
  Speaker 4: for them, And so now they have babies and they
• 3:20
  Speaker 4: can have another one. They have babies with the same
• 3:23
  Speaker 4: heritage as they have, And I just think that is
• 3:25
  Speaker 4: so beautiful because that's a reality that a lot of
• 3:28
  Speaker 4: people in our community who are in those circumstances can't get.
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  Speaker 3: And it was really cool that they had a relationship
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  Speaker 3: because obviously when you do egg donorship, you're not always
• 3:37
  Speaker 3: in the picture.
• 3:38
  Speaker 2: So it was I felt like a really unique take
• 3:40
  Speaker 2: and I was, Yeah, I just didn't know there was
• 3:42
  Speaker 2: so much to it either.
• 3:43
  Speaker 4: I didn't realize that when you go, all right, I'm
• 3:45
  Speaker 4: going to donate an egg, there were like open egg
• 3:48
  Speaker 4: donations and closed eg donation.
• 3:50
  Speaker 2: It was very much like adoption in a.
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  Speaker 4: Way, and I just I hadn't ever thought about the
• 3:54
  Speaker 4: semantics of that, and I was just like, this is
• 3:57
  Speaker 4: such a cool process. The most interesting question though, I
• 4:00
  Speaker 4: was like, oh my gosh, how you met the child?
• 4:02
  Speaker 4: Like how did you feel? And she was like she
• 4:03
  Speaker 4: was just another really special girl.
• 4:05
  Speaker 3: Like I just I love it anyway, really cool, really
• 4:09
  Speaker 3: really unique.
• 4:10
  Speaker 1: One.
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  Speaker 4: Yeah, epic money story, but from one epic money story
• 4:14
  Speaker 4: straight into our epic Wednesday deep dive Georgia King.
• 4:16
  Speaker 2: What did we cover this week?
• 4:18
  Speaker 5: We went really deep into the subject of financial trauma.
• 4:23
  Speaker 5: So that's characterized as a dysfunctional reaction to chronic financial stress.
• 4:28
  Speaker 5: So we went through exactly what it is, what it
• 4:31
  Speaker 5: looks like. We learned that it's actually very similar in
• 4:34
  Speaker 5: its indicators to what people with post traumatic stress experience. Like,
• 4:38
  Speaker 5: it's a very serious thing, and we kind of spoke
• 4:41
  Speaker 5: about how the term trauma is often kind of used
• 4:45
  Speaker 5: a bit frivolously in twenty twenty two, but financial trauma
• 4:48
  Speaker 5: is a very real thing, and we have seen this
• 4:51
  Speaker 5: week so many dms of people that have really resonated
• 4:53
  Speaker 5: with this topic, which we didn't expect. So yeah, if
• 4:56
  Speaker 5: you think that that's something that you may struggle with,
• 4:59
  Speaker 5: definitely have a I.
• 5:00
  Speaker 4: Was really worried about this episode coming up because sometimes
• 5:04
  Speaker 4: topics like this can be really confronting. Yeah, it's kind
• 5:07
  Speaker 4: of like, hey, gee, here's this episode and she's on
• 5:09
  Speaker 4: the money, and you might have you know, been happy
• 5:11
  Speaker 4: listening to content and not really thought about it, and
• 5:14
  Speaker 4: then you're confronted with all these indicators that you really
• 5:16
  Speaker 4: align with and you're like, oh my gosh, I didn't
• 5:18
  Speaker 4: realize that I've actually been through this and this is
• 5:20
  Speaker 4: the thing negatively impacting me. It can actually raise, you know,
• 5:24
  Speaker 4: a fair bit of trauma, which obviously we provided some
• 5:27
  Speaker 4: financial counseling resources for that. But I think the best
• 5:30
  Speaker 4: thing you can do is actually just talk about it.
• 5:32
  Speaker 2: Talk about it.
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  Speaker 4: With someone, reach out to our Debt Free Helpline for
• 5:35
  Speaker 4: some free financial counseling. If you're in that circumstance, reach
• 5:39
  Speaker 4: out to a therapist, talk to your GP. I just
• 5:41
  Speaker 4: think that there are so many conversations to be had,
• 5:44
  Speaker 4: but thankfully, if you've been able to identify it, we
• 5:47
  Speaker 4: can work on it. And that's a really great outcome
• 5:49
  Speaker 4: for anyone who found themselves in that position this week.
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  Speaker 2: So love you.
• 5:52
  Speaker 5: Guys one hundred percent.
• 5:54
  Speaker 4: All right, Georgia King, I think it is time to
• 5:57
  Speaker 4: pivot into some lighter content now. I want to know
• 6:00
  Speaker 4: what are our budget Direct money wins this week.
• 6:02
  Speaker 5: Well, we've got some goodies, ladies. The first one of
• 6:05
  Speaker 5: the week comes from Alex money Win. I was looking
• 6:07
  Speaker 5: at accommodation in London for Christmas and New Year's for
• 6:10
  Speaker 5: about three.
• 6:11
  Speaker 2: Thousand dollars London, so expensive, getcha.
• 6:14
  Speaker 5: I ended up downloading an app and I found a
• 6:17
  Speaker 5: house sitting gig in the same locations in the same
• 6:20
  Speaker 5: time frame for free, for free. It is a hot,
• 6:23
  Speaker 5: gosh genius smart for Christmas and New Year's because so
• 6:26
  Speaker 5: many people are going to be away.
• 6:28
  Speaker 2: House sitting gigs.
• 6:29
  Speaker 4: I wouldn't have even considered looking for a house sitting gig.
• 6:32
  Speaker 2: If I was traveling.
• 6:33
  Speaker 3: We spoke about pet sitting we did a few weeks ago,
• 6:35
  Speaker 3: and house sitting, I would argue, is like even better.
• 6:38
  Speaker 2: House sitting is Do you reckon it?
• 6:40
  Speaker 4: Can start planning my holidays around random locations in the
• 6:43
  Speaker 4: world that people need their houses. Do you know what
• 6:46
  Speaker 4: I would travel for a pet Mike? If you said, hey,
• 6:48
  Speaker 4: I live in Italy. These are my random dates of leave.
• 6:51
  Speaker 4: Can you please come look after my dog? Probably be
• 6:54
  Speaker 4: there with absolutely What a joy. The next week comes
• 6:57
  Speaker 4: from aerin. After having a credit card for twenty years,
• 7:00
  Speaker 4: I finally paid it off and cut it to.
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  Speaker 2: Shrinks yees, twenty years, What a queen? How good?
• 7:05
  Speaker 5: The next win comes from Anna money win. Okay, it's
• 7:08
  Speaker 5: a bit of a long one strap.
• 7:09
  Speaker 2: Ready, We're ready, money win.
• 7:11
  Speaker 5: I dye my hair with a supermarket hair dye. I
• 7:13
  Speaker 5: always checked the reduced section at the supermarket and I
• 7:16
  Speaker 5: happened to find the hair dye that I buy a
• 7:18
  Speaker 5: few days ago. It had that very tasty price of
• 7:21
  Speaker 5: five dollars.
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  Speaker 2: Money win.
• 7:23
  Speaker 5: Then I went to the self checkout to see it
• 7:25
  Speaker 5: scan for over eleven dollars. I stood there thinking, do
• 7:28
  Speaker 5: I just suck it up pay that amount, or do
• 7:30
  Speaker 5: I get a staff member to come over and change
• 7:32
  Speaker 5: the price. As I grabbed three packets, it would have
• 7:35
  Speaker 5: been over eighteen dollars extra then the advertised reduced price.
• 7:38
  Speaker 5: So I called over a staffer and she asked the price.
• 7:41
  Speaker 5: I replied five dollars something, and she said, how does
• 7:44
  Speaker 5: five dollars for the lot sound?
• 7:46
  Speaker 4: So money?
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  Speaker 6: It was?
• 7:51
  Speaker 5: It was definitely worth it. Well done to you, Anna.
• 7:53
  Speaker 5: The next wind comes from Caitlin money Win. I'm moving
• 7:56
  Speaker 5: in with my boyfriend and when I called to move
• 7:59
  Speaker 5: my current insurance, I got a five hundred and seventy
• 8:01
  Speaker 5: dollars refund money win straight into the car account for
• 8:05
  Speaker 5: next year's renewal. Would that be because maybe the parking's
• 8:07
  Speaker 5: not on street or something like that.
• 8:10
  Speaker 2: Risk.
• 8:10
  Speaker 4: Yeah, and different postcodes have different like risk associated with them,
• 8:15
  Speaker 4: and the closer you are to the city, the more
• 8:17
  Speaker 4: likely you are to have a higher risk profile and
• 8:20
  Speaker 4: therefore more insurance to pay, which means that my parents
• 8:22
  Speaker 4: have really good insurance and I kind of want to
• 8:25
  Speaker 4: move home just for that. Yeah.
• 8:26
  Speaker 5: The next week it comes from Luara money. When I
• 8:29
  Speaker 5: was walking down at the food court in the shopping
• 8:32
  Speaker 5: mall with my husband, and I saw fifty dollars laying
• 8:34
  Speaker 5: on the floor. My husband a trap stuck to a
• 8:38
  Speaker 5: bit of fishing.
• 8:39
  Speaker 2: Line, someone pulling it along along the floor.
• 8:43
  Speaker 5: My husband picked it up and asked the people around
• 8:45
  Speaker 5: if someone had dropped it. None of them had. In fact,
• 8:48
  Speaker 5: they said, you found it, it's.
• 8:50
  Speaker 2: Yours signers, keepers.
• 8:53
  Speaker 5: Losers, weepers. Indeed, so she's fifty dollars richer. While walking
• 8:56
  Speaker 5: around the mall. On that note, ladies, I saw a
• 8:59
  Speaker 5: one dollar coin?
• 9:00
  Speaker 2: Was it super glued to the ground.
• 9:02
  Speaker 5: I didn't pick it up? And I was like, you
• 9:04
  Speaker 5: have grown up, George, because I felt like a tight ass.
• 9:07
  Speaker 2: I don't care how old.
• 9:09
  Speaker 4: But I also think it's really sweet. I think it's
• 9:10
  Speaker 4: like passing on the lock to somebody else that makes
• 9:13
  Speaker 4: really sweet. It's also this whole conversation about finding money
• 9:17
  Speaker 4: on the ground reminds me of the boys I went
• 9:19
  Speaker 4: to school with. I remember in grade eleven in the
• 9:21
  Speaker 4: lock area, the boys with super glued two dollar coins
• 9:24
  Speaker 4: to the ground, like people try and pick it up
• 9:30
  Speaker 4: and then like make fun of them. Bullying has progressed
• 9:33
  Speaker 4: since then.
• 9:34
  Speaker 2: It seems brilliant.
• 9:36
  Speaker 5: That takes us to the last win slash loss of
• 9:39
  Speaker 5: the day. It comes from Gen money loss.
• 9:42
  Speaker 2: This is so good.
• 9:43
  Speaker 5: I got drunk on a fourteen hour flight from Melbourne
• 9:46
  Speaker 5: to Dubai and I paid two point seven k for
• 9:49
  Speaker 5: an upgrade to business Harris money win. I'm now extremely
• 9:56
  Speaker 5: motivated to actually be able to afford to fly business class.
• 10:00
  Speaker 4: Can you imagine? And it's funny because she would have
• 10:03
  Speaker 4: been having the time of her life dreams.
• 10:05
  Speaker 2: On the plane.
• 10:05
  Speaker 4: They're free, absolutely like having a whole other time to
• 10:09
  Speaker 4: then upgrade and then when you're sober, up it. But
• 10:11
  Speaker 4: you're like, cookie, error, I've made a horrible flight from Dubai.
• 10:14
  Speaker 3: Parents would have thought you would have wanted to have
• 10:17
  Speaker 3: done it in Australia.
• 10:19
  Speaker 2: How goes it? Is it ten hours?
• 10:22
  Speaker 4: It's a long time. It's definitely a long time. So
• 10:25
  Speaker 4: it would have been an expensive flight. Just she was
• 10:28
  Speaker 4: living our dreams. We flew to America recently and we
• 10:31
  Speaker 4: were like, oh, maybe we treat ourselves.
• 10:33
  Speaker 2: It is a business trip.
• 10:34
  Speaker 4: We'll see how much more expensive.
• 10:35
  Speaker 2: It is here we are.
• 10:38
  Speaker 4: Turns out we had rocks in our heads because we're like, okay,
• 10:40
  Speaker 4: it's a preally going to be expensive, right, because we
• 10:43
  Speaker 4: were booking last minute flights to the US, which is
• 10:45
  Speaker 4: entirely my fault because I had left it so late.
• 10:48
  Speaker 4: So our flights each were like two and a half
• 10:50
  Speaker 4: nearly three thousand dollars each return to LA which is disgusting.
• 10:53
  Speaker 4: But we went to a finance conference and hopefully we've
• 10:55
  Speaker 4: brought home this newfound knowledge, which is and she's on
• 10:59
  Speaker 4: the money. Were actually it's not that much more to
• 11:01
  Speaker 4: fly business like. We're already nearly three thousand dollars deep
• 11:05
  Speaker 4: each at this point, and by each, I mean six
• 11:08
  Speaker 4: thousand dollars deep, because I'm the business owner.
• 11:10
  Speaker 2: Okay for this, Yeah.
• 11:12
  Speaker 4: For ten thousand dollars a flight, I think not rastus.
• 11:15
  Speaker 4: You will sit in an economy class and you will enjoy.
• 11:18
  Speaker 2: It, that's all right.
• 11:19
  Speaker 3: I invested in a lot of like plane lutch, like
• 11:21
  Speaker 3: a foot hammock and like a fe yes, which is
• 11:26
  Speaker 3: basically business class.
• 11:27
  Speaker 5: It was that ten thousand, exactly ten thousand dollars pertic.
• 11:30
  Speaker 4: It was I think it was like thirteen thousand per
• 11:34
  Speaker 4: ticket to the US, and if you want to fly first,
• 11:36
  Speaker 4: that was like twenty six thousand dollars.
• 11:39
  Speaker 2: And I nearly was sick.
• 11:40
  Speaker 4: I thought it was a joke at the start, and
• 11:41
  Speaker 4: then I was like, Noah, yes, it's fine, because that
• 11:43
  Speaker 4: must be our tickets combined.
• 11:45
  Speaker 2: It wasn't.
• 11:45
  Speaker 4: It was eventually, so yeah, we bought foot Hammocks on
• 11:49
  Speaker 4: Amazon Primo. Basically a business class experience.
• 11:53
  Speaker 5: That is all for the Wins today.
• 11:54
  Speaker 4: Lady speaking as always, it has been great celebrating some
• 11:57
  Speaker 4: of your budget Direct money wins. Budget Direct winner can
• 12:00
  Speaker 4: Star's Insurer of the Year Award twenty twenty to the
• 12:03
  Speaker 4: fancy guys Budget Direct Insurance solved.
• 12:06
  Speaker 2: Let's go to a.
• 12:07
  Speaker 4: Really quick break and after the break we are going
• 12:09
  Speaker 4: to be talking about the budget and cash Flow masterclass
• 12:11
  Speaker 4: and the bank accounts associated with that, and we also
• 12:14
  Speaker 4: have some juicy news to share with you guys. Don't
• 12:16
  Speaker 4: go anywhere. Okay, gals, we did it again. Recently, we
• 12:25
  Speaker 4: pissed off some people on Instagram.
• 12:29
  Speaker 2: Was it me to pay? No, it wasn't. After pay.
• 12:32
  Speaker 3: We were talking about equal pay because it's Equal Pay
• 12:34
  Speaker 3: Day a couple of weeks ago, and the conversation is
• 12:36
  Speaker 3: still going on in our dams. So the day that
• 12:40
  Speaker 3: we posted it, so this would have been two weeks
• 12:42
  Speaker 3: weeks ago. Yeah, but the day that we posted it
• 12:45
  Speaker 3: it was the sixtieth day after the end of the
• 12:47
  Speaker 3: financial yarch. It is on that day because it's representative
• 12:50
  Speaker 3: of the sixty extra days that women must work on
• 12:53
  Speaker 3: average in Australia to earn the same annual salary the'se
• 12:55
  Speaker 3: earned by men, So women are under earning. Essentially, women
• 13:00
  Speaker 3: I have to work sixty more days, one four hundred
• 13:02
  Speaker 3: and forty more hours or eighty six thousand, four hundred
• 13:06
  Speaker 3: more minutes to earn the same amount as a man.
• 13:09
  Speaker 3: And the bad news is that the pay gap this
• 13:11
  Speaker 3: year went up. Last year went down. We were like, yes,
• 13:14
  Speaker 3: pro pross, we love progress, not this year. So it
• 13:17
  Speaker 3: actually went up zero point three percentage points over the
• 13:21
  Speaker 3: last six months, which is really sad and kind.
• 13:24
  Speaker 2: Of shitty to hear.
• 13:25
  Speaker 3: And people are up in our dms telling me that
• 13:28
  Speaker 3: the gender pay GAP's not real and that's really tough.
• 13:31
  Speaker 3: But also I thought, good chance for us to kind
• 13:33
  Speaker 3: of run over what can people do right because we've
• 13:37
  Speaker 3: spoken about this before, We've spoken about the wage gap before,
• 13:39
  Speaker 3: the pay gap before. I'm not even here to have
• 13:41
  Speaker 3: the argument today about whether or not it's real because
• 13:43
  Speaker 3: we've done it and it is. And if you don't
• 13:45
  Speaker 3: like it go to double away.
• 13:49
  Speaker 4: It's actually very funny because over the last few weeks,
• 13:52
  Speaker 4: I've been getting sent screen shots from people that follow
• 13:55
  Speaker 4: me saying, Hey, here's a screenshot of someone replying to
• 13:59
  Speaker 4: my story because shared your post that you put on
• 14:01
  Speaker 4: cheese on the money. And they're like, oh, this doesn't exist,
• 14:03
  Speaker 4: and they're just like block and delete, block and delete.
• 14:05
  Speaker 4: And my one girl replied to me and was like, Hey,
• 14:07
  Speaker 4: this is the guy that I've been going on dates with,
• 14:10
  Speaker 4: more dates for you And I was like, yes, queen.
• 14:12
  Speaker 3: That is if he doesn't believe in the gender pay
• 14:14
  Speaker 3: gap red flag.
• 14:16
  Speaker 4: Just ask if you're on a dating app, just go
• 14:18
  Speaker 4: what do you think of the gender pay gap? That
• 14:19
  Speaker 4: will tell you whether you should go on a date
• 14:21
  Speaker 4: with them or not. Don't waste your time asking it on.
• 14:23
  Speaker 2: A first date. Get it done up front. Genius one
• 14:26
  Speaker 2: thousand percent.
• 14:26
  Speaker 3: But the WGEO website, if you're a nonbeliever or if
• 14:29
  Speaker 3: you know a non believer, send them there because it
• 14:30
  Speaker 3: is a government website worth acknowledging. How that these stats
• 14:35
  Speaker 3: also don't take into account or don't currently recognize, the
• 14:38
  Speaker 3: even larger gap for women of color. Because we know
• 14:42
  Speaker 3: that there is an even bigger disparity there, but we
• 14:44
  Speaker 3: don't have the hard darted back it up, and it's
• 14:46
  Speaker 3: something we would love to see more research into for
• 14:49
  Speaker 3: our first nations women as well. Again, that gap is
• 14:51
  Speaker 3: very broad. However, today VD I thought we could talk
• 14:55
  Speaker 3: about tangible action we can take because I am so
• 14:58
  Speaker 3: sick of seeing the p people saying it's not a thing.
• 15:01
  Speaker 3: So I want to talk about what can we do
• 15:02
  Speaker 3: to make a difference. Jess is sick of it, so
• 15:05
  Speaker 3: we are dealing with it.
• 15:06
  Speaker 2: I love it.
• 15:07
  Speaker 4: There's a lot we can do about it, to be honest,
• 15:09
  Speaker 4: but it's also about awareness and that's what days like
• 15:12
  Speaker 4: Equal Payday bring to light, right, It's about bringing to
• 15:14
  Speaker 4: light the fact that it exists. And it shouldn't just
• 15:17
  Speaker 4: be our burden as women to carry because we earn less.
• 15:20
  Speaker 4: It should be everybody's burden to carry, because at the
• 15:23
  Speaker 4: end of the day, if it's happening in our society,
• 15:25
  Speaker 4: it's a societal problem, not just a women's problem. So
• 15:28
  Speaker 4: I think that education is key. I mean, I probably
• 15:31
  Speaker 4: wouldn't get in DM arguments with people who don't believe
• 15:34
  Speaker 4: in the gender pay gap because they don't deserve your
• 15:37
  Speaker 4: explanation because it is very easy to google. I'm actually
• 15:40
  Speaker 4: really sick of hearing it doesn't exist. Oh my gosh,
• 15:43
  Speaker 4: you haven't included this stat or oh this chart you've
• 15:45
  Speaker 4: posted doesn't include the fact that women take on less hours.
• 15:48
  Speaker 4: It's actually not about that. It's the fact that women
• 15:50
  Speaker 4: are still behind men. And what we want is not
• 15:53
  Speaker 4: actually for women to be above and beyond men. I'm
• 15:56
  Speaker 4: just asking for the exact same opportunities and to be
• 15:59
  Speaker 4: paid this as a man would in exactly the same
• 16:02
  Speaker 4: role if I have the same credentials and experience. Oh
• 16:05
  Speaker 4: but it's a legal to do that, So, Jessica, people
• 16:10
  Speaker 4: are still doing meth, aren't they. So it doesn't matter
• 16:13
  Speaker 4: that it is illegal. It is still happening, and I
• 16:16
  Speaker 4: think that we need to talk about it. We know
• 16:17
  Speaker 4: the cause is let's not talk about it. Is now
• 16:20
  Speaker 4: time for action. How do we work towards closing that gap?
• 16:23
  Speaker 4: One education, talking about it too, being really open and
• 16:27
  Speaker 4: honest about what we earn. Something that I've seen over
• 16:30
  Speaker 4: the last few weeks is people talking about, oh, well,
• 16:32
  Speaker 4: I shouldn't have to share my pay. Okay, mediocre middle
• 16:35
  Speaker 4: aged white man who doesn't think that anyone should know
• 16:38
  Speaker 4: what you earn because it's personal information. But do you
• 16:41
  Speaker 4: know that could change the life of the woman that
• 16:43
  Speaker 4: sits down the hallway from you. Do you know that
• 16:45
  Speaker 4: that could put someone in a better position so that
• 16:47
  Speaker 4: they're not homeless in retirement? Like I just think I
• 16:50
  Speaker 4: know it exactly, exactly, and I have so much respect
• 16:53
  Speaker 4: for that. And if you genuinely think that your personal
• 16:56
  Speaker 4: value is so tied to your income that hiding it
• 16:59
  Speaker 4: is more important than putting other people in a better position,
• 17:03
  Speaker 4: You've got rocks in your head. In there is a
• 17:04
  Speaker 4: far big issue at play. We're at the point where
• 17:06
  Speaker 4: we know what's contributing to it and we need to
• 17:08
  Speaker 4: actually action it. And you did a really great post
• 17:11
  Speaker 4: the other day just on the She's on the Money page,
• 17:14
  Speaker 4: and you talked about things like conducting a pay gap audit,
• 17:17
  Speaker 4: developing an action plan, and establishing accountabilities, which sounds really
• 17:21
  Speaker 4: formal if I'm honest, but talking about it. If you
• 17:24
  Speaker 4: work in HR, bring this up as a conversation for
• 17:26
  Speaker 4: your organization to be able to be champions in this
• 17:29
  Speaker 4: space as opposed to just you know, people that follow
• 17:32
  Speaker 4: the flow. If you want to talk to your friends,
• 17:34
  Speaker 4: if you want to talk to your colleagues about it.
• 17:36
  Speaker 4: I think it is really important. Another thing I do,
• 17:38
  Speaker 4: which wasn't on the list, check your contract. Do you
• 17:41
  Speaker 4: have pay secrecy? Why does your company have pay secrecy?
• 17:45
  Speaker 4: Something that I am strongly campaigning for is that that
• 17:48
  Speaker 4: is removed from employment contracts because what are you hiding?
• 17:51
  Speaker 2: Guys?
• 17:52
  Speaker 4: Why shouldn't your employees talk about their salary?
• 17:55
  Speaker 1: Oh?
• 17:55
  Speaker 4: Because it impacts you and you might have to pay
• 17:57
  Speaker 4: them all equally.
• 17:58
  Speaker 2: That would be such a shame.
• 18:00
  Speaker 4: The other thing that you said in here, Jess, was
• 18:02
  Speaker 4: set targets to promote gender equality at all levels of
• 18:05
  Speaker 4: the organization, which.
• 18:06
  Speaker 2: I think just should be. It's twenty twenty two, guys,
• 18:09
  Speaker 2: why is this not happening.
• 18:10
  Speaker 5: One hundred percent? Some more ideas, guys, include changing what
• 18:14
  Speaker 5: leadership roles actually look like, so making them part time,
• 18:17
  Speaker 5: making them more flexible so that women who might also
• 18:20
  Speaker 5: be the primary carer in the home can actually work
• 18:23
  Speaker 5: in those higher paid roles.
• 18:26
  Speaker 4: But Georgia, that's why women don't get paid as much,
• 18:28
  Speaker 4: because they have more caring responsibilities.
• 18:30
  Speaker 5: I hate that so much. Unpaid, we get out all
• 18:33
  Speaker 5: the time.
• 18:34
  Speaker 4: Yeah, we're actually doing double time. So, like I go
• 18:37
  Speaker 4: to work. I do my full time job. I don't personally,
• 18:39
  Speaker 4: I'm not a mum yet. But a lot of women
• 18:41
  Speaker 4: in our community go to work, they do their full
• 18:42
  Speaker 4: time job, then they go home and do a full
• 18:44
  Speaker 4: time job. Literally they do do more caring roles. But
• 18:47
  Speaker 4: that doesn't mean they can't be the CEO exactly.
• 18:50
  Speaker 5: I do not understand how people don't understand, just don't get.
• 18:55
  Speaker 4: I'm just so confunded, babe, I'm speaking English.
• 18:58
  Speaker 5: Yeah, what are they not getting? And another idea would
• 19:01
  Speaker 5: of course be introducing a better gender neutral paid parental
• 19:05
  Speaker 5: leave policy so that we can all take part in
• 19:08
  Speaker 5: the parenting at home situation instead of it.
• 19:10
  Speaker 2: I think they're women.
• 19:11
  Speaker 4: I think that that's a really important one as well,
• 19:13
  Speaker 4: and I'm glad that you put it on the list, yes,
• 19:15
  Speaker 4: because I think that we don't understand that neutral paid
• 19:18
  Speaker 4: parental leave policies don't necessarily mean oh my gosh, you're
• 19:22
  Speaker 4: giving the man the opportunity. It's actually because if I'm
• 19:25
  Speaker 4: in a relationship, let's saying twelve months, guys, I turn
• 19:27
  Speaker 4: around to you and say, look, I'm pregnant, and Steve
• 19:30
  Speaker 4: and I have looked at his parental leave policy in
• 19:32
  Speaker 4: mine and Matt leaves just better. So we're going to
• 19:35
  Speaker 4: put me out of the workforce because the policy is
• 19:37
  Speaker 4: just better.
• 19:38
  Speaker 2: That's how it works.
• 19:39
  Speaker 4: That's a decision that a lot of people in our
• 19:41
  Speaker 4: community make, and I genuinely believe it shouldn't come down
• 19:44
  Speaker 4: to who has the better Matt leave policy. It should
• 19:46
  Speaker 4: just be if you're the dad or you're the mum,
• 19:48
  Speaker 4: you're the primary care give but you can take that leave.
• 19:51
  Speaker 4: I just it doesn't make any sense to me that, oh, sorry,
• 19:54
  Speaker 4: that you're the dad, you can't actually take the leave
• 19:57
  Speaker 4: that we would give to the women in this organization.
• 20:00
  Speaker 3: And we are making strides with that with parental sever
• 20:02
  Speaker 3: rules now. But I think ultimately the big goal is
• 20:06
  Speaker 3: rally together for change, because ultimately, you know, it benefits
• 20:10
  Speaker 3: everyone to be putting women in these positions of power.
• 20:13
  Speaker 3: And I know people are resistance change and whatever, but firstly,
• 20:15
  Speaker 3: stop coming to our DM. I'm telling me the pay
• 20:17
  Speaker 3: GAP's not real because I will fight you, but no
• 20:19
  Speaker 3: I won't because I'm soft.
• 20:20
  Speaker 2: Nott make Victoria fight you for me.
• 20:22
  Speaker 3: But also have those conversations, support them and talk to
• 20:25
  Speaker 3: your partners. Talk to them men in your life, your brothers,
• 20:28
  Speaker 3: your dads, your cousins, because we need them to be
• 20:31
  Speaker 3: standing up as well. It can't just be women. We
• 20:34
  Speaker 3: need everybody getting on the same page and saying, yeah, like,
• 20:37
  Speaker 3: let's make some change. Let's get that percentage below ten
• 20:40
  Speaker 3: percent at least twenty twenty three.
• 20:42
  Speaker 4: And understand it now. Yeah, but also just genuinely understand
• 20:46
  Speaker 4: what it means as well, because we've had a few
• 20:48
  Speaker 4: people who have messaged us and they're like, yeah, but
• 20:50
  Speaker 4: I want to work Cless. Good, But your friends who
• 20:53
  Speaker 4: don't want to work Cless should get the same opportunity. Like,
• 20:56
  Speaker 4: I don't mind what your personal values are. What I
• 20:59
  Speaker 4: want is for you to have freedom of choice and
• 21:01
  Speaker 4: that choice not be compromised or that choice not be
• 21:05
  Speaker 4: equal to that of somebody else who just has a
• 21:07
  Speaker 4: different gender.
• 21:08
  Speaker 3: All Right, we gotta put a pin in it because
• 21:10
  Speaker 3: I'm getting around.
• 21:13
  Speaker 2: Even recently.
• 21:13
  Speaker 4: This was weeks ago and we're still writing in the
• 21:16
  Speaker 4: office about it. I reckon, it's time to listen to
• 21:18
  Speaker 4: our money dilemma.
• 21:21
  Speaker 3: Hi, there, have you got.
• 21:22
  Speaker 5: A money dilemma you just can't solve that. She's on
• 21:25
  Speaker 5: the Money Team is here to help. Every week we
• 21:27
  Speaker 5: tackle your dilemmas, both big and small to answer your
• 21:30
  Speaker 5: most burning money, career and life questions. To get involved,
• 21:34
  Speaker 5: simply head to our website and leave us a quick
• 21:36
  Speaker 5: voice recording and you may just find yourself on the show. Now,
• 21:39
  Speaker 5: let's take a listen to today's money dilemma.
• 21:43
  Speaker 6: In your book, it talks about setting up different bank
• 21:46
  Speaker 6: accounts for different things such as expenses, emergency, blow card,
• 21:51
  Speaker 6: et cetera. Do I still do that if I have
• 21:54
  Speaker 6: an offset account? Or should I be putting everything into
• 21:57
  Speaker 6: the offset account?
• 21:58
  Speaker 3: Victoria Vine, I know I never remember you mentioning a
• 22:01
  Speaker 3: blow account.
• 22:02
  Speaker 2: No, but I heard that there.
• 22:03
  Speaker 4: Was this guy who didn't wear shoes who did recommend
• 22:06
  Speaker 4: a blow account.
• 22:07
  Speaker 2: But you do you.
• 22:08
  Speaker 4: We don't have a mojo either, but what we do
• 22:11
  Speaker 4: have is a she's on the money, budget and cash
• 22:12
  Speaker 4: flow plan. I can talk about that. Would you want
• 22:15
  Speaker 4: me to talk about that? Absolutely fantastic, So, really good question. Yes,
• 22:19
  Speaker 4: it is exactly the same whether you have an offset
• 22:22
  Speaker 4: account or not. In fact, with that system, if you
• 22:25
  Speaker 4: have an offset account, it arguably turbocharges every single dollar
• 22:29
  Speaker 4: in your account. So with the budget and cash flow
• 22:32
  Speaker 4: plan that you're asking about, and to be honest, I
• 22:34
  Speaker 4: came up with her, I think it's pretty genius bias, Jess.
• 22:37
  Speaker 4: You use it, you think it's good. You have obviously
• 22:39
  Speaker 4: added your own flare to it, which I love. But
• 22:41
  Speaker 4: it's a very good from my perspective base of how
• 22:44
  Speaker 4: a cash flow system works to make sure that every
• 22:47
  Speaker 4: single dollar that comes into your account is utilized properly,
• 22:50
  Speaker 4: and that every single dollar that comes into your account
• 22:53
  Speaker 4: works as hard as you do for it. Right. So
• 22:55
  Speaker 4: the first thing, I'm just going to explain the whole thing,
• 22:57
  Speaker 4: because I'm sure that there are people who are listening
• 22:59
  Speaker 4: who are like I have. I've never seen your plan.
• 23:01
  Speaker 4: I don't know what it is. So essentially, you have
• 23:03
  Speaker 4: what's called a cash hub, and I've called it a
• 23:05
  Speaker 4: cash hub because it's basically the one stop shop where
• 23:08
  Speaker 4: all of your money goes. Whether you are a freelancer
• 23:11
  Speaker 4: or you are, you know, a full time employee, or
• 23:14
  Speaker 4: maybe you're both. All your personal income goes into this.
• 23:17
  Speaker 4: If you're a business owner, though, different cash flow system,
• 23:19
  Speaker 4: you need to work that out. We never mix our
• 23:21
  Speaker 4: personal and our business banking. So your cash hub exists
• 23:25
  Speaker 4: for all income to be banked into on a weekly, fortnightly,
• 23:29
  Speaker 4: monthly basis, doesn't matter it automatically calculates that for you.
• 23:32
  Speaker 4: If it is just a regular savings account, fantastic. If
• 23:36
  Speaker 4: it is an offset account, every dollar that goes into
• 23:39
  Speaker 4: that account is actually offsetting the money that you owe
• 23:42
  Speaker 4: on your mortgage, which.
• 23:43
  Speaker 2: Is the money win.
• 23:44
  Speaker 4: Right. So if you're in a position where you don't
• 23:47
  Speaker 4: have an offset and you're like, oh, Victoria, that sounds
• 23:48
  Speaker 4: pretty sexy, talk to your mortgage broker. And when I
• 23:50
  Speaker 4: say your mortgage broker, I'm talking about Kate brands Growth,
• 23:53
  Speaker 4: who is the Zela mortgage broker, because he's obviously supreme.
• 23:56
  Speaker 4: But every dollar goes into your cash hub. That cash
• 23:58
  Speaker 4: hub exists, and then all bills and fixed costs are
• 24:02
  Speaker 4: paid from that cash hub via direct debit or be
• 24:05
  Speaker 4: paid directly from your cash hub. So you've organized it.
• 24:09
  Speaker 4: You know your budget, you know how many dollars come
• 24:11
  Speaker 4: in each month, week, fortnite, whatever it is, and all
• 24:14
  Speaker 4: your bills are directly taken out of that cash hub.
• 24:18
  Speaker 2: You know that figure.
• 24:19
  Speaker 4: So you might have twenty nine hundred dollars a fortnite
• 24:22
  Speaker 4: coming into that account, and you might know as well
• 24:25
  Speaker 4: that six hundred dollars per month are bills, and that
• 24:27
  Speaker 4: might be for your rent. It might be for your phone,
• 24:30
  Speaker 4: your internet, your insurance, your utilities, your red Joe. This
• 24:34
  Speaker 4: is that cash hub that exists to capture every single dollar,
• 24:38
  Speaker 4: and it kind of acts like a basket so that
• 24:40
  Speaker 4: nothing filters away, because honestly, money is kind of like sand,
• 24:44
  Speaker 4: and if you don't have a good plan for it,
• 24:45
  Speaker 4: it literally just blows away. Then you're going to have
• 24:48
  Speaker 4: your weekly spending amount. And your weekly spending amount is
• 24:51
  Speaker 4: an amount of money that exists for you to have,
• 24:55
  Speaker 4: and I always call it the food, fuel, and Fun
• 24:56
  Speaker 4: account because that's what pays to your groceries, you're entertained,
• 25:00
  Speaker 4: and your transport, so Jess in your example, it might
• 25:03
  Speaker 4: be for your groceries, for whatever you pay for Frisbee,
• 25:06
  Speaker 4: for your shoes, for your clothes, for whatever you're buying
• 25:08
  Speaker 4: at Sephora. You know, because you've done a good budget,
• 25:12
  Speaker 4: how much on average that costs per week, and you
• 25:14
  Speaker 4: transfer each and every single week that amount of money
• 25:17
  Speaker 4: to that account. That now means that you're not dipping
• 25:21
  Speaker 4: into your cash hub and accidentally spending the money that
• 25:23
  Speaker 4: you're meant to have reserved for your car, redge oh
• 25:26
  Speaker 4: or your health insurance or whatever you need to pay.
• 25:29
  Speaker 4: You know that maybe each and every single week you
• 25:31
  Speaker 4: have two hundred and eighty dollars to spend on food, fuel,
• 25:34
  Speaker 4: and fun. And once that money is gone each and
• 25:37
  Speaker 4: every single week, it's gone.
• 25:38
  Speaker 2: Babe.
• 25:38
  Speaker 4: If you have spent that money and now you need
• 25:40
  Speaker 4: to go and eat two minute noodles for dinner, that's
• 25:43
  Speaker 4: on you. Because this system means that you're not compromising
• 25:46
  Speaker 4: your saving, investing or bigger.
• 25:48
  Speaker 2: Bills and goals.
• 25:49
  Speaker 4: Right, So then your weekly spending amount, because it's an average,
• 25:53
  Speaker 4: you're not going to spend each and every single week
• 25:56
  Speaker 4: that same amount. Some weeks, you might have a really
• 25:58
  Speaker 4: lean week and you might be like, oh my gosh,
• 26:00
  Speaker 4: I worked fifty million hours because Victoria is the devil boss,
• 26:04
  Speaker 4: and I didn't have any time to go to Sephora.
• 26:06
  Speaker 4: I couldn't buy anything for me. So I had two
• 26:09
  Speaker 4: hundred and eighty dollars in the account at the start
• 26:11
  Speaker 4: of the month. Now there's one hundred and ninety left.
• 26:14
  Speaker 4: That's a stretch that that's not how much is ever
• 26:16
  Speaker 4: left in mind, but you know it's a good example.
• 26:19
  Speaker 4: I'm then going to transfer that money on the same
• 26:23
  Speaker 4: day that my weekly spending amount is automatically direct debited
• 26:26
  Speaker 4: into that account. I'm going to transfer the surplus over
• 26:29
  Speaker 4: to my feels like an emergency, but it's not an
• 26:32
  Speaker 4: emergency account, which is another bank account. So for those
• 26:34
  Speaker 4: following along at home, we're now at three bank accounts.
• 26:37
  Speaker 4: That is your emergency fund for fun. It's not your
• 26:40
  Speaker 4: real emergency fund. It's the fund where you're like, hmm,
• 26:44
  Speaker 4: I blew all my money in my weekly spending account,
• 26:47
  Speaker 4: but the girls want to go out for drinks. Well,
• 26:49
  Speaker 4: I do have that one hundred and ninety sitting to
• 26:51
  Speaker 4: the side in my feels like an emergency, but it's
• 26:53
  Speaker 4: not a lergency account, and I can spend that because
• 26:56
  Speaker 4: it's actually left over from the last time I didn't
• 26:59
  Speaker 4: do it, and I've kind of like done it myself.
• 27:01
  Speaker 4: We're not actually compromising our saving or investing goals. We're
• 27:05
  Speaker 4: not compromising Red Joe just she knows that that money's
• 27:08
  Speaker 4: sitting there and she can spend it if she wants to.
• 27:11
  Speaker 4: I get a little protective of that money because that's
• 27:13
  Speaker 4: where my shoes come from. So like, I look at
• 27:15
  Speaker 4: it and go if I have money left over in
• 27:17
  Speaker 4: my weekly spending money, and I transfer it to my
• 27:19
  Speaker 4: not emergency account. I kind of see it and I'm like, oh,
• 27:21
  Speaker 4: if I get to X amount, I can buy shoes
• 27:23
  Speaker 4: or I can buy something that I want and it
• 27:25
  Speaker 4: doesn't impact any other goal.
• 27:27
  Speaker 2: It's kind of like a win.
• 27:28
  Speaker 4: Or it could be you going and getting your hair
• 27:30
  Speaker 4: done or doing something for you that you want to
• 27:33
  Speaker 4: spend money on without any level of guilt. So that
• 27:36
  Speaker 4: is how the base of the cash hub works. And
• 27:39
  Speaker 4: then you will have other accounts. Usually people will have
• 27:42
  Speaker 4: an additional three accounts, so that takes you to a
• 27:45
  Speaker 4: total of six accounts. They will have three savings accounts.
• 27:49
  Speaker 4: If you have an offset account and the ability to
• 27:52
  Speaker 4: have multiple offsets, most people doing this system will choose
• 27:56
  Speaker 4: to have as many accounts as they possibly can as
• 27:58
  Speaker 4: an offset because that money will always then offset the
• 28:01
  Speaker 4: interest that you're paying on your mortgage. But they will
• 28:04
  Speaker 4: have three additional accounts. One will be long term savings.
• 28:07
  Speaker 4: So for Jess, and she's a good example because we
• 28:09
  Speaker 4: know she's saving for a house, that could be a
• 28:11
  Speaker 4: house deposit, and each fortnite when she gets transferred that
• 28:15
  Speaker 4: amount of money, she might go, Okay, cool, I'm transferring
• 28:18
  Speaker 4: two hundred dollars to my house savings, it's automated. Then
• 28:22
  Speaker 4: there's medium term goals and that could be just as
• 28:25
  Speaker 4: saving for a new car or a holiday, or some
• 28:28
  Speaker 4: spending money for a holiday or something that she's working towards.
• 28:31
  Speaker 4: And then that sixth account is your emergency fund, and
• 28:34
  Speaker 4: that emergency fund sits there if it's in an offset
• 28:37
  Speaker 4: money in, it's offsetting the mortgage, it's offsetting the interest
• 28:40
  Speaker 4: that is payable on your mortgage. But that money's job
• 28:43
  Speaker 4: is actually just to sit there. It's not to be invested,
• 28:46
  Speaker 4: it's not to worry about. It's there as your safety net.
• 28:49
  Speaker 4: Most people have six accounts in the budget and cash
• 28:51
  Speaker 4: flow system and that works for them, but you can
• 28:53
  Speaker 4: obviously add your own. But that basic structure to answer
• 28:57
  Speaker 4: the question does work with an offset and actually puts
• 29:00
  Speaker 4: you in a turbocharged position because every single dollar that's
• 29:04
  Speaker 4: in any of your system is actually working towards the
• 29:07
  Speaker 4: mortgage money win. The floor is now open for questions.
• 29:10
  Speaker 3: And if you do want to learn more about that.
• 29:12
  Speaker 3: If you're struggling with your budget and cash flow VD,
• 29:14
  Speaker 3: you did cover off this obviously.
• 29:16
  Speaker 2: In the sheets of the money.
• 29:17
  Speaker 4: Book, but if you're the whole systems in the book
• 29:19
  Speaker 4: like it is in the book, but if you're really
• 29:20
  Speaker 4: struggling with your budget and cash flow, or if you're
• 29:23
  Speaker 4: someone who needs a little more help with their automation,
• 29:25
  Speaker 4: like I did, check out the Budget and cash Flow Masterclass.
• 29:28
  Speaker 4: It specifically and very thoroughly covers from beginning to end
• 29:33
  Speaker 4: of setting up your budget and cash flow system. It
• 29:35
  Speaker 4: includes the handy dandy budget template, best one I've ever seen, best.
• 29:39
  Speaker 3: One I've ever used. I mean your bias, but I am,
• 29:41
  Speaker 3: but I use it and it does all that for you.
• 29:43
  Speaker 3: So we're obviously saying, right now, put this in this
• 29:45
  Speaker 3: fund and this in that fund. The template does it automatically.
• 29:48
  Speaker 3: You plug all your information in it.
• 29:50
  Speaker 4: I can't tell you how long that took me, Jess,
• 29:52
  Speaker 4: I have cried so many times over that spreadsheet. But
• 29:55
  Speaker 4: essentially your job, if you're using that template is to
• 29:58
  Speaker 4: just plug all the numbers in me how much you earn,
• 30:01
  Speaker 4: tell me how much you spend it on what, and
• 30:02
  Speaker 4: the rest of it will tell you where to put it,
• 30:05
  Speaker 4: what account to put it in.
• 30:06
  Speaker 2: How it works, what it looks like.
• 30:08
  Speaker 4: You tell me what your savings goal is, and it
• 30:10
  Speaker 4: even breaks that down for you to tell you how
• 30:12
  Speaker 4: much you need to contribute per week to work it out.
• 30:14
  Speaker 5: That just makes it so easy for people who are
• 30:17
  Speaker 5: scared of budgets and the organization like me, babe.
• 30:19
  Speaker 2: All of it for you good.
• 30:21
  Speaker 4: I've literally created a tool that will do it for you.
• 30:24
  Speaker 3: Because it's Friday and I'm feeling generous. Is looking angry
• 30:27
  Speaker 3: at me?
• 30:29
  Speaker 2: Where are you getting this from?
• 30:30
  Speaker 3: If anyone wants to grab the budget and hashla mask class,
• 30:32
  Speaker 3: I'll put a little discount code on there for you guys.
• 30:34
  Speaker 2: Use the code pod fifty.
• 30:35
  Speaker 3: You'll get fifty bucks off and it can put that
• 30:38
  Speaker 3: in your feels like an emergency but not an emergency
• 30:40
  Speaker 3: account and get some drinks on.
• 30:41
  Speaker 2: Me galse I love it.
• 30:43
  Speaker 4: But yeah, anyway that feels like an emergency but not
• 30:45
  Speaker 4: an emergency account was the best thing I ever did
• 30:47
  Speaker 4: for myself because I feel like sometimes I'm being naughty,
• 30:49
  Speaker 4: but I know I'm not being.
• 30:50
  Speaker 2: Naughty, And it can actually work.
• 30:52
  Speaker 4: Really well for people that struggle with spending money on
• 30:55
  Speaker 4: themselves because it's literally to the side. It was kind
• 30:57
  Speaker 4: of like leftover money in a way that was alex
• 31:00
  Speaker 4: hated towards something that you know isn't going to impact
• 31:02
  Speaker 4: your bigger financial goals. That's all we have time for
• 31:05
  Speaker 4: today though, So missus Georgia King, could you please wrap
• 31:08
  Speaker 4: the boring but important stuff?
• 31:09
  Speaker 5: Absolutely I can already. Guys, please remember that the advice
• 31:13
  Speaker 5: shed on She's on the Money is generally in nature
• 31:15
  Speaker 5: and does not consider your individual circumstances. She's on the
• 31:18
  Speaker 5: Money exists purely for educational purposes and should not be
• 31:21
  Speaker 5: relied upon to make an investment or a financial decision.
• 31:24
  Speaker 5: And we promise Victoria Divine and She's on the Money
• 31:27
  Speaker 5: are authorized representatives in Focused Securities. Australia Proprietary Limited ABN
• 31:32
  Speaker 5: four seven zero nine seven seven nine seven zero four
• 31:35
  Speaker 5: nine AFSL two three six five two three.
• 31:38
  Speaker 4: Happy Friday, my friends.
• 31:39
  Speaker 2: We will love you one Monday.
• 31:40
  Speaker 4: Bye bye