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She Lost Her Fiancé, Her House and $30,000 in the Same Year · She's On The Money

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  Speaker 1: My name is Satasha Bamblet. I'm a proud First Nations
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  Speaker 1: woman and I'm here to acknowledge country t glennyan Ganya, Niana,
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  Speaker 1: Kaka yah y and Binahaka Nian our gay In Mbini,
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  Speaker 1: yakarum jar dominyamiga Umaga Ihowaka nilewaman damind Immlan, Bumba bang
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  Speaker 1: gadaboma in and now in wakah ghana on yakarum jar Watnadaa. Hello,
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  Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
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  Speaker 1: We thank acknowledge and respect the Abiginal people's land that
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  Speaker 1: we're gathering on today. Take pleasure in all the land
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  Speaker 1: and respect all that you see. She's on the Money
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  Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
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  Speaker 1: knowledge and resources for you to thrive.
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  Speaker 2: She's on the Money. She's on the Money.
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  Speaker 3: Hello, and welcome to She's on the Money, the podcast
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  Speaker 3: that lets you reapa you about other people's money habits
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  Speaker 3: for educational purposes, of course. Welcome back to one of
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  Speaker 3: our money diaries, brought to you by our friends at
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  Speaker 3: Sky Wells, where I get the absolute privilege of sitting
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  Speaker 3: down with one of our incredible She's on the money
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  Speaker 3: community members and talking to them all about their journey.
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  Speaker 3: Let's jump straight into it, because this week I got
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  Speaker 3: a message and it sounded exactly like this high She's
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  Speaker 3: on the money. Buckle up. I thought I had my
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  Speaker 3: future secured, a new home, a wedding, and a life
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  Speaker 3: with my fiance. While I was in the thick of
• 1:26
  Speaker 3: a six month stint of my master's placement. He walked
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  Speaker 3: out on a random Tuesday, leaving me to sell our
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  Speaker 3: house and cancel a wedding that was only six months away.
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  Speaker 3: I lost over thirty thousand dollars in wedding deposits and
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  Speaker 3: almost everything I had spent six years saving for. It
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  Speaker 3: was the world's most expensive lesson in why you should
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  Speaker 3: never consolidate your finances with a man without a backup plan.
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  Speaker 3: But I rebuilt. Since then, I've secured graduate roles, built
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  Speaker 3: a successful career, and achieved financial independence. Today I earn
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  Speaker 3: more than ever, with over one hundred and fifty thousand
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  Speaker 3: dollars saved and twenty grand invested, all in my own name.
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  Speaker 3: Money dorist be so for real?
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  Speaker 2: It is crazy? What the heck? How? How when where
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  Speaker 2: like oh so many questions. It's so funny like listening
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  Speaker 2: to that and thinking, oh, that was my life at
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  Speaker 2: one point. It's just wild.
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  Speaker 3: And you know what, I know that you were probably
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  Speaker 3: so excited to marry that man because like, you know,
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  Speaker 3: that was what you were working towards. But now you
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  Speaker 3: look back on it, you're like, thank god he walked out,
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  Speaker 3: Like thank god.
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  Speaker 2: Yeah, it's so funny, like thinking when you're in it,
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  Speaker 2: it's just your whole world's kind of like crumbling. You're
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  Speaker 2: in almost like a black hole, being swallowed by the world,
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  Speaker 2: and then you come out of it and you're like, oh, Okay,
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  Speaker 2: everything happens for a reason.
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  Speaker 3: Yeah, that's crazy. Al Right, let's jump into it. First question,
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  Speaker 3: I've got money, Darist. What grade would you give your
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  Speaker 3: money habits? If I asked you to give them a grade.
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  Speaker 2: I would probably say I'd be a bee no plus.
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  Speaker 1: No.
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  Speaker 3: Girl, you've got one hundred and fifty grand saved after
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  Speaker 3: you kicked some men to the curb. And I know
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  Speaker 3: he quote walked out, but like, I just feel like
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  Speaker 3: he's the one missing out here. Tell me a little
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  Speaker 3: bit more about your money story, though. I want the
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  Speaker 3: nitty gritty and the things that impacted it.
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  Speaker 2: Yeah, So, I mean my money story, I guess starts
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  Speaker 2: like anyone else's money wasn't really spoken about growing up,
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  Speaker 2: but like we had it. It wasn't you know. We
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  Speaker 2: weren't fighting for our lives or anything like that. We
• 3:29
  Speaker 2: were very lucky. Me and my sister went to a
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  Speaker 2: prestigious private school around the area. And I remember like
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  Speaker 2: seeing my parents, you know, kind of where the same
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  Speaker 2: winter woolies for years and years and years. And I
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  Speaker 2: remember having a conversation. I was just going into year eleven,
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  Speaker 2: and I said, you know, I don't really want to
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  Speaker 2: be here anymore, Like I'm sick of the school. I
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  Speaker 2: don't really. I was very different to everybody else, I
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  Speaker 2: guess because I couldn't do the things that they were
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  Speaker 2: all doing. We didn't really have the money for it.
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  Speaker 2: But I remember my parents saying, you know, if there's
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  Speaker 2: anything that we can give you in life, you know,
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  Speaker 2: we won't give you a brand new car. We're not
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  Speaker 2: going to be able to give you a deposit for
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  Speaker 2: a house or anything like that, but we want to
• 4:07
  Speaker 2: give you a good education. And looking back on it now,
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  Speaker 2: I'm thinking, like those were their values. You know, it
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  Speaker 2: was good like we we got a good education, we
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  Speaker 2: got a good upbringing. We never struggled, but we also
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  Speaker 2: never really saw the extent of it either. Like I
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  Speaker 2: know that money was there, but then it wasn't there,
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  Speaker 2: but then it was there again. So I guess I
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  Speaker 2: kind of always had that growing up, like I needed
• 4:32
  Speaker 2: to hold onto money. So I got a job very
• 4:34
  Speaker 2: very early. I think I was thirteen when I got
• 4:37
  Speaker 2: my first job at Donut King.
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  Speaker 3: Yeah, very cool.
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  Speaker 2: I was making like eight dollars an hour or something ridiculous.
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  Speaker 3: Yeah, but also like donut King's cool, like that being
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  Speaker 3: a first job, Like I think I would have thought
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  Speaker 3: that you were the coolest kid at school.
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  Speaker 2: I have unlimited cinnamon donuts. Might see a good deal,
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  Speaker 2: great deal, it was quite good. But yeah, no, I've
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  Speaker 2: never been out of a job since. So I've always
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  Speaker 2: kind of held onto my money. I've always saved and
• 5:04
  Speaker 2: I did like end up, you know, buying my first car,
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  Speaker 2: achieving all the things that I kind of wanted to do.
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  Speaker 2: And then I had met my ex partner when I
• 5:11
  Speaker 2: was about eighteen, so I was fresh out of school,
• 5:15
  Speaker 2: just a baby. Yeah, I was really little. He was
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  Speaker 2: twenty at the time, so we only had a two
• 5:20
  Speaker 2: year age gap, and I had taken the gap year
• 5:24
  Speaker 2: to just kind of work a little bit. I was
• 5:26
  Speaker 2: a bit burned out after you know, the end time
• 5:29
  Speaker 2: of school, like my school experience. So I was working,
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  Speaker 2: and I remember we sat down and it was probably
• 5:36
  Speaker 2: from this point on, money kind of became a conversation
• 5:39
  Speaker 2: that we would have quite often, so it was very
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  Speaker 2: embedded into our relationships, which was, I guess a good thing,
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  Speaker 2: but also turned out to be a bad thing towards
• 5:49
  Speaker 2: the end because the focus was just always on money.
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  Speaker 2: And we sat down and I was saying, you know,
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  Speaker 2: I really want to buy an investment property, Like that's
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  Speaker 2: what I want to do. That's my next kind of goal.
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  Speaker 2: And he had said, well, you know, like you were
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  Speaker 2: just a baby.
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  Speaker 4: Yeah I was.
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  Speaker 2: I guess I just wanted to Like I keep saying that,
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  Speaker 2: but you were so.
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  Speaker 3: Young, and you're like, Nope, I want to buy an
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  Speaker 3: investment property. That's my goal. Like to me, that's crazy
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  Speaker 3: in the best possible way.
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  Speaker 2: Yeah, I think I had big dreams, I had big
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  Speaker 2: goals and I was just really motivated. So yeah, he said, oh, well,
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  Speaker 2: let's just let's do it together. And I said, okay, Yeah,
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  Speaker 2: I could do that. He's like, why would you buy
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  Speaker 2: an apartment when you can buy a house, Like we
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  Speaker 2: can go in together, we can it could be great.
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  Speaker 2: So we did.
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  Speaker 3: We saved, and like in theory, that makes sense if
• 6:34
  Speaker 3: you were going to be together forever. Like when my husband,
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  Speaker 3: you know, was my boyfriend and he suggested that we
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  Speaker 3: buy a house together, I was like, yeah, great, I
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  Speaker 3: would love to, Like I didn't question it, and I.
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  Speaker 2: Think like growing up, like my parents never had like
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  Speaker 2: his money, her money, so it was just like normal
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  Speaker 2: to have, you know, Okay, yeah, we'll consolidate all of
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  Speaker 2: our savings. We'll you know, spend the money that we
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  Speaker 2: earned together, like it's not separate. So that's what we did.
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  Speaker 2: We consolidated our finances and we were saving for a
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  Speaker 2: house and COVID hit, so he had ended up moving
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  Speaker 2: into my parents' house. I think like everyone kind of
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  Speaker 2: did at the time, and then we pretty much saved.
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  Speaker 2: So I went back to UNI after my gap year
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  Speaker 2: and I did my undergraduate. I had two jobs at
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  Speaker 2: the time, just kind of like trying to save, and
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  Speaker 2: I always felt like the owners was on me. So
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  Speaker 2: even though he was making quite a bit more than me,
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  Speaker 2: he had his own business. He was a tradee. There
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  Speaker 2: was always the owners was on me. I needed to
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  Speaker 2: put money in, I needed to, you know, still have
• 7:36
  Speaker 2: money to spend at the end of the week. I
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  Speaker 2: couldn't ask him for money type of thing, if that
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  Speaker 2: makes sense. So yes, I always felt like I had
• 7:45
  Speaker 2: to work and I was just doing ridiculous hours, Like
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  Speaker 2: I was working at a pub during my time at UNI,
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  Speaker 2: So I would work from five o'clock in the afternoon
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  Speaker 2: to three o'clock in the morning, go to UNI, come home,
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  Speaker 2: do the same thing again.
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  Speaker 3: Oh my goodness.
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  Speaker 2: And that was just to save as much money as
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  Speaker 2: I possibly could, you know. So anyways, we ended up
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  Speaker 2: getting engaged, and I think you just always have like
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  Speaker 2: this gut feeling right like we were having problems before,
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  Speaker 2: just like anyone else in a relationship. Black problems exist,
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  Speaker 2: And just before we had got engaged, I remember just
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  Speaker 2: thinking to myself, like, I don't know if I really
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  Speaker 2: want to be with this person for the rest of
• 8:22
  Speaker 2: my life. Awkward, Yeah, very awkward because within like two
• 8:28
  Speaker 2: weeks after that, he had proposed to me. So we
• 8:31
  Speaker 2: went on this really extravagant overseas died.
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  Speaker 3: What do you do at that point.
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  Speaker 2: Yeah, literally, I'm like, oh, okay, so I'm not going
• 8:41
  Speaker 2: to say no obviously, you Like, I think there was
• 8:44
  Speaker 2: just a very long period of my life between when
• 8:48
  Speaker 2: I guess from when we got engaged to when we
• 8:50
  Speaker 2: had split, where it was just constantly, like my gut
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  Speaker 2: saying no. But it was always going to get better,
• 8:55
  Speaker 2: you know, like we'll get engaged, it'll get better. We'll
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  Speaker 2: buy a house, it'll get better, we'll get married, it'll
• 8:59
  Speaker 2: get better. Kind of never got better. So, yes, we
• 9:04
  Speaker 2: got engaged, and then I had started my master's degree,
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  Speaker 2: which was really really intense. It was four days a
• 9:12
  Speaker 2: week from eight o'clock to four pm. Goodness, So it
• 9:15
  Speaker 2: was practically a full time job almost.
• 9:17
  Speaker 3: Yeah, yeah, of course. So and just like so mentally
• 9:20
  Speaker 3: demanding as well, Like I think people are quite like
• 9:24
  Speaker 3: that's not the worst thing in the world, but it's
• 9:25
  Speaker 3: also just like you're constantly trying to like jump hoops
• 9:30
  Speaker 3: and learn new tasks. It's not like going to work
• 9:33
  Speaker 3: nine to five mon day to Friday and you know
• 9:35
  Speaker 3: how to do those tasks. Like you are consistently learning
• 9:38
  Speaker 3: something new and your brain is just get overloaded. As
• 9:41
  Speaker 3: someone who's been there, I get it.
• 9:43
  Speaker 2: Yeah, there were so many times I was just thinking,
• 9:45
  Speaker 2: I don't want to do this anymore, Like I just
• 9:48
  Speaker 2: I don't have the brain capacity to do it. But
• 9:50
  Speaker 2: I always wanted to do it. And my professions the
• 9:53
  Speaker 2: type of profession where if you don't have your master's degree,
• 9:56
  Speaker 2: you don't have anything, like you can't get a credit
• 10:00
  Speaker 2: unless you have your master's degree. So I had to
• 10:02
  Speaker 2: do it. So I would, you know, go to UNI,
• 10:06
  Speaker 2: come home from UNI, and then go work a five
• 10:08
  Speaker 2: to three shift at the pub, and then do it
• 10:10
  Speaker 2: all over again. And he had said to me, all right,
• 10:14
  Speaker 2: times right, we're getting married in I think it was
• 10:16
  Speaker 2: probably a year out. We need to buy a house.
• 10:20
  Speaker 2: So again that like gut feeling, I don't really want
• 10:23
  Speaker 2: to do it, but we did it anyways. I didn't
• 10:26
  Speaker 2: want to do it only because the second half of
• 10:28
  Speaker 2: my degree I had to go and do six months
• 10:30
  Speaker 2: of clinical placement and then six months of a thesis
• 10:34
  Speaker 2: as well, So I kind of again had the feeling
• 10:38
  Speaker 2: of I'm going to have to really work hard. The
• 10:41
  Speaker 2: onus was on me again. I always felt like I
• 10:44
  Speaker 2: had to pay. He never, you know, would I guess
• 10:47
  Speaker 2: offer to pay for anything. So I was thinking okay,
• 10:52
  Speaker 2: we'll do it. I'll just manage, like I'll just save
• 10:55
  Speaker 2: it is what it is. So we did, We bought
• 10:58
  Speaker 2: the house. We went away on a holiday, and I
• 11:02
  Speaker 2: think things were quite rocky at the time when away
• 11:05
  Speaker 2: on a holiday, came back and he had said that
• 11:09
  Speaker 2: he was going to leave, and this was just like
• 11:11
  Speaker 2: a constant kind of thing, and this time I just said,
• 11:14
  Speaker 2: you know what, just go, like, just go.
• 11:16
  Speaker 3: Like was that something where he was just lauding that
• 11:19
  Speaker 3: over your head like if you had a fight, he'd
• 11:21
  Speaker 3: be like, oh, break up with you kind of viable,
• 11:23
  Speaker 3: Like yeah, like what did that look like?
• 11:25
  Speaker 2: We would have a fight and that would just the
• 11:27
  Speaker 2: bags would come out and it's I'm going and i'd
• 11:29
  Speaker 2: you know, sit there and go, no, don't leave, Please,
• 11:32
  Speaker 2: don't leave me, and then yeah, I love you.
• 11:35
  Speaker 3: I'm you know, diluted, and also just know.
• 11:38
  Speaker 2: What, I know, Yeah, I think I just got to
• 11:41
  Speaker 2: the point where I was like, you know what, I
• 11:43
  Speaker 2: just I don't care anymore. Just go. Yeah. So he did.
• 11:46
  Speaker 2: He left. Funnally enough, came back not that long after,
• 11:50
  Speaker 2: and we were fined for months. We were good. We
• 11:53
  Speaker 2: worked things out, you know, our wedding was only six
• 11:56
  Speaker 2: months away, like, you know, it was all happening. It
• 11:59
  Speaker 2: was I had spent thirty thousand dollars of my own
• 12:04
  Speaker 2: money for the deposits on the wedding. He didn't spend
• 12:08
  Speaker 2: a cent. It was all wine.
• 12:10
  Speaker 3: Why wasn't he putting cash into this? Like where was
• 12:13
  Speaker 3: his contribution and why wasn't that being questioned? So he
• 12:17
  Speaker 3: owned his own business, so it was the business money,
• 12:20
  Speaker 3: and then it was our money, and that was it.
• 12:24
  Speaker 2: Does that make sense?
• 12:26
  Speaker 3: Yes, I kind of get it, But also like, why
• 12:30
  Speaker 3: wasn't money being taken out of the business for his contributions?
• 12:33
  Speaker 2: It just never was. It was just never spoken about.
• 12:35
  Speaker 2: It was never an option.
• 12:37
  Speaker 3: I'm always so suspicious.
• 12:38
  Speaker 2: Yeah it was. It was never an option. It was
• 12:40
  Speaker 2: just like that was the way that it was, you know.
• 12:43
  Speaker 2: So I did end up spending quite a bit of
• 12:46
  Speaker 2: money on that wedding. And then yeah, he messaged me
• 12:51
  Speaker 2: on a Tuesday morning. I remember being in the thick
• 12:53
  Speaker 2: of placement and it was so exhausting as well, because
• 12:57
  Speaker 2: again I was working, and then pretty much my Friday, Saturday, Sundays,
• 13:01
  Speaker 2: I was working again, so I just didn't get a break,
• 13:05
  Speaker 2: and the first half the week was unpaid anyway, so
• 13:08
  Speaker 2: I wasn't making any money, and it was all just
• 13:11
  Speaker 2: going to the house, going to the house, going to
• 13:13
  Speaker 2: the house. I had no money at this point. After
• 13:16
  Speaker 2: the deposit was paid for the house, our payments started
• 13:19
  Speaker 2: coming out for the house, and then all my money
• 13:21
  Speaker 2: was gone to the wedding. I really had nothing. I
• 13:24
  Speaker 2: had an emergency fund, which was, I guess a good thing,
• 13:27
  Speaker 2: but that was only five thousand dollars and it didn't
• 13:30
  Speaker 2: really get me too far. I remember getting that message
• 13:34
  Speaker 2: and I looked at my phone and I just ignored it,
• 13:37
  Speaker 2: and I thought, I'm not dealing with this right now.
• 13:40
  Speaker 2: The message said, I'm packing my bags. I'll be gone
• 13:43
  Speaker 2: by this afternoon. Take care of canceling the wedding, and
• 13:47
  Speaker 2: take care of the sale of the house.
• 13:49
  Speaker 3: Where was this man going, Like, why did he get
• 13:51
  Speaker 3: to walk out? What's going on here? I'm very confused
• 13:54
  Speaker 3: about his audacity.
• 13:55
  Speaker 2: Well, at this point, I don't know. I was blindsided
• 13:59
  Speaker 2: to this. I still don't really understand it. I don't
• 14:02
  Speaker 2: understand the capacity.
• 14:02
  Speaker 3: I have never explained it.
• 14:04
  Speaker 2: No, he just left.
• 14:06
  Speaker 3: He just said I'm done. I'm leaving. Also, all of
• 14:09
  Speaker 3: this is up to you now.
• 14:10
  Speaker 2: I mean, the dots kind of connected after the fact,
• 14:13
  Speaker 2: but yes, at the time, just walked out and I
• 14:17
  Speaker 2: said that's fine, Like, I'll see you when I get
• 14:20
  Speaker 2: home and then you can go on your way whatever
• 14:22
  Speaker 2: you want to do. You want to do, So, yeah,
• 14:25
  Speaker 2: got home. He asked where the ring was. I told
• 14:28
  Speaker 2: him he took that, and then he said, are you
• 14:31
  Speaker 2: able to deal with the wedding and also deal with
• 14:35
  Speaker 2: the sale of the house. And I said, well no,
• 14:38
  Speaker 2: I was already embarrassed. Obviously we were so close to
• 14:40
  Speaker 2: the you know, the wedding happening. Everyone was excited for
• 14:43
  Speaker 2: this big wedding. And I said, well, no, you can
• 14:47
  Speaker 2: message all the vendors and cancel it and I'll deal
• 14:51
  Speaker 2: with the sale of house. That's fine. I'm happy to
• 14:53
  Speaker 2: deal with that. And yeah, I think the sale of
• 14:56
  Speaker 2: the house probably took about six months to sell. And
• 14:59
  Speaker 2: he I wanted to settle on thirty thousand dollars less
• 15:03
  Speaker 2: than what we paid for it, just to kind of
• 15:04
  Speaker 2: get it out of the way. And again I said no,
• 15:06
  Speaker 2: Like he had ruled my life for a very long time.
• 15:10
  Speaker 2: We were together for six years. Yeah, he had ruled
• 15:13
  Speaker 2: my life and had to say in so much of
• 15:15
  Speaker 2: my life for all that time. He wasn't getting a
• 15:18
  Speaker 2: say in this, and I wasn't going to lose the
• 15:20
  Speaker 2: money that I had saved my whole entire life, or
• 15:23
  Speaker 2: like it just wasn't happening.
• 15:25
  Speaker 3: I'm so proud of you for maintaining that, because it
• 15:27
  Speaker 3: would have been so easy to just be like fine,
• 15:30
  Speaker 3: get out, like.
• 15:31
  Speaker 2: Yeah, yeah, well, there was definitely times where I was thinking,
• 15:33
  Speaker 2: like I just want it gone and I want to
• 15:36
  Speaker 2: finish it. But I ended up sticking to my guns,
• 15:39
  Speaker 2: and we did end up selling it for a little
• 15:41
  Speaker 2: bit more than what we paid, but I pretty much
• 15:43
  Speaker 2: just got Yeah, I just got kind of what I
• 15:47
  Speaker 2: had walked in with. So I did end up losing
• 15:49
  Speaker 2: out of money in that sense in terms of like
• 15:52
  Speaker 2: prepaying the mortgage, etc. But I did end up getting
• 15:56
  Speaker 2: that money back because at the time I had literally nothing.
• 15:58
  Speaker 2: I was doing a six month place and I had
• 16:00
  Speaker 2: nothing to my name, and I had burnt through my
• 16:03
  Speaker 2: emergency savings so quick. So it was kind of good
• 16:07
  Speaker 2: to see that money and cut the ties.
• 16:08
  Speaker 3: Yeah, totally, but yes, but also just like what the
• 16:12
  Speaker 3: heck is going through this man's mind, Like, don't get
• 16:15
  Speaker 3: me wrong, like clearly things weren't perfect, but to just
• 16:18
  Speaker 3: pull the pin and be like you have to deal
• 16:21
  Speaker 3: with this to me is like low caig phrazy.
• 16:23
  Speaker 2: Yeah. I mean again to this day, I don't know
• 16:27
  Speaker 2: and I'll never know. I mean, you know, he did
• 16:30
  Speaker 2: end up moving in Have.
• 16:31
  Speaker 3: You speculated is there someone else? Like that's the first
• 16:33
  Speaker 3: thing I thought of.
• 16:34
  Speaker 2: Yeah, So he was actually living in my family home.
• 16:37
  Speaker 2: So we had bought the house with the I guess
• 16:40
  Speaker 2: assumption that we were going to move into it, and
• 16:42
  Speaker 2: we got the first home buyers grant yep, so we
• 16:45
  Speaker 2: didn't move into it. We were thinking, okay, on the
• 16:48
  Speaker 2: eleventh kind of month, we can move into it and
• 16:51
  Speaker 2: not have to pay stamp duty. So that was the plan.
• 16:55
  Speaker 2: So we were living at my parents' house because you know,
• 16:57
  Speaker 2: we were obviously kind of saving for a wedding, paying
• 16:59
  Speaker 2: for them all. I was also on placement as well,
• 17:01
  Speaker 2: and that man was never going to give me crazy,
• 17:03
  Speaker 2: he was never going to give me money to like
• 17:05
  Speaker 2: survive or anything. So about two months later, I want
• 17:09
  Speaker 2: to say, he ended up moving out of his mom's
• 17:13
  Speaker 2: home into his now girlfriend's family home as well. So interesting,
• 17:20
  Speaker 2: it's just like the cycle repeats.
• 17:23
  Speaker 3: Yeah that I was like, what's going on here? Like
• 17:26
  Speaker 3: how is this working? Because like there has to be
• 17:28
  Speaker 3: something going on in the background for that to have
• 17:30
  Speaker 3: been like such a clean like not clean, but like
• 17:33
  Speaker 3: for him to be like, all right, I'm done full stop.
• 17:35
  Speaker 3: If you'd gone back and forth for so long, like yeah, oh,
• 17:40
  Speaker 3: why are they like this?
• 17:42
  Speaker 2: I don't know. I don't know. Look, honestly, it's just
• 17:45
  Speaker 2: it's probably the biggest blessing in disguise. I remember being
• 17:48
  Speaker 2: a thousand.
• 17:49
  Speaker 3: Percent like you've dodged a bullet. But tell me a
• 17:51
  Speaker 3: little bit more about this concept of you losing all
• 17:56
  Speaker 3: of this, like you know, deposit money, but him not
• 17:59
  Speaker 3: having to recoup that. Did you ever say all right,
• 18:01
  Speaker 3: well you owe me half or did you just let
• 18:03
  Speaker 3: it go like what happened there?
• 18:05
  Speaker 2: I honestly, there was so much back and forth and
• 18:08
  Speaker 2: he was always right where it was just like exhausting
• 18:12
  Speaker 2: to me. I didn't even bother with it, like he
• 18:15
  Speaker 2: was always right no matter what I said, he was
• 18:17
  Speaker 2: always right. I didn't want to get like mediation. I
• 18:20
  Speaker 2: didn't want to have to go into depth with everything.
• 18:22
  Speaker 2: I was willing to just cut my losses and leave
• 18:25
  Speaker 2: because I remember my mum saying to me, she said,
• 18:28
  Speaker 2: would you be happy to kind of, you know, be
• 18:31
  Speaker 2: embarrassed because you never had this big wedding that everyone
• 18:34
  Speaker 2: was hoping for, Or are you happier that you didn't
• 18:38
  Speaker 2: have this wedding that everyone attended, that everyone celebrated, and
• 18:42
  Speaker 2: then you got divorced, you know, two weeks three weeks later.
• 18:45
  Speaker 3: Oh, she's so right, But it's so hard to see
• 18:48
  Speaker 3: that in the moment, right because you're just like, oh
• 18:50
  Speaker 3: my god, I'm letting these people down. And I don't
• 18:52
  Speaker 3: think if we asked anybody who was invited too your wedding,
• 18:55
  Speaker 3: do you feel that down? They would have been like no,
• 18:57
  Speaker 3: like I'm so glad that they're doing what's right for them,
• 18:59
  Speaker 3: Like nobody would have felt that way. But you do
• 19:02
  Speaker 3: in that moment, I'm sure.
• 19:03
  Speaker 2: Of course. I Mean I had my whole life sorted,
• 19:06
  Speaker 2: I had the house I had, you know, I was
• 19:08
  Speaker 2: just about to finish my degree. I had what I
• 19:11
  Speaker 2: thought was the perfect man, I had all my ducks
• 19:13
  Speaker 2: in a row, and then all of a sudden everything
• 19:15
  Speaker 2: was this is crazy.
• 19:16
  Speaker 3: So he's like still negotiating settlement of this house with
• 19:20
  Speaker 3: you and sale price while living at a new girl's house.
• 19:24
  Speaker 3: Yeah yeah, and queen, you can keep him like you
• 19:28
  Speaker 3: can keep him like I promise. I'm not looking at
• 19:32
  Speaker 3: your man because like nobody should be.
• 19:34
  Speaker 2: No, And I'm just like I'm happy to not have
• 19:37
  Speaker 2: a leech, like I'm happy for him to leach off
• 19:40
  Speaker 2: another female that will support him.
• 19:43
  Speaker 3: Yuck. I feel bad for her me too, but I
• 19:46
  Speaker 3: mean it is what it is, really what you pick
• 19:49
  Speaker 3: your poison exactly, exactly. Oh my goodness, money, Darius, do
• 19:54
  Speaker 3: I want to know what do you do for work
• 19:55
  Speaker 3: now and how much money do you earn?
• 19:57
  Speaker 2: So I only graduated a few few months ago, November
• 20:01
  Speaker 2: last year. Congrat So exciting, Yeah, really exciting. It was
• 20:05
  Speaker 2: six years too long. So I'm now an accredited practicing dietitian. Ah,
• 20:10
  Speaker 2: very cool. Yes, Yes, I work between a few jobs
• 20:15
  Speaker 2: just because it's really hard in the industry, like the
• 20:17
  Speaker 2: jobs are pretty far and few between, and especially full
• 20:20
  Speaker 2: time roles as well. You'll most likely find dietitians that
• 20:24
  Speaker 2: do have quite a number of roles and it just
• 20:27
  Speaker 2: makes up the full time week. So I work in
• 20:30
  Speaker 2: the community three days a week, and then I work
• 20:33
  Speaker 2: private practice two days a week, and then I'm a
• 20:37
  Speaker 2: contractor on the weekends as well in a GP clinic.
• 20:41
  Speaker 3: So you're still just hustling and working your butt off.
• 20:45
  Speaker 2: Yeah. Again, I think I have like this fear of
• 20:48
  Speaker 2: just never having money again. Ye fair, like what I
• 20:51
  Speaker 2: said before, Like I just always need to like hold
• 20:53
  Speaker 2: it tight. I mean, I respect it, but I also
• 20:56
  Speaker 2: don't want you to burn yourself out. Tell me how
• 20:59
  Speaker 2: much money you taking home for all of that. So
• 21:02
  Speaker 2: for my like my full time role, between the two jobs,
• 21:06
  Speaker 2: I make about ninety five thousand a year, which is
• 21:09
  Speaker 2: for a graduate dietitian. Quite good.
• 21:12
  Speaker 3: Now, that's very good, my queen.
• 21:13
  Speaker 2: Yeah, I got super lucky with the roles that I got,
• 21:16
  Speaker 2: and then with my contracting role, it's ad hoc, so
• 21:20
  Speaker 2: some days I might be taking in you know, like
• 21:23
  Speaker 2: five hundred dollars for the day, and then other days
• 21:25
  Speaker 2: I might only make eighty dollars. So yeah, okay, it's
• 21:28
  Speaker 2: dependent on the referrals.
• 21:30
  Speaker 3: Yeah that's crazy. But also like so good, and what's
• 21:33
  Speaker 3: the plan because like, obviously you come into this industry,
• 21:37
  Speaker 3: you've worked your butt off, you've done your master's and
• 21:40
  Speaker 3: you're kind of still in that like grad mode. But
• 21:42
  Speaker 3: do you have a like I want to own my
• 21:44
  Speaker 3: own practice or you want to like go completely you know,
• 21:47
  Speaker 3: private practice, or what's the plan.
• 21:50
  Speaker 2: Yeah, I think one day I would really love to
• 21:53
  Speaker 2: kind of have my own practice, have a bunch of
• 21:56
  Speaker 2: people working with me, create my own team. The market is, however,
• 22:00
  Speaker 2: very saturated, so I think most of the time, everyone
• 22:04
  Speaker 2: would be happy listening to, you know, an influencer online
• 22:07
  Speaker 2: that doesn't really have a degree or anything, because everyone eats.
• 22:10
  Speaker 3: Everyone knows what to be, don't I hate you?
• 22:12
  Speaker 2: Yea, So it would be good. That is kind of
• 22:16
  Speaker 2: the goal. But yeah, at the moment, I'm just kind
• 22:19
  Speaker 2: of building up my clinical skills as best as I
• 22:21
  Speaker 2: can to become a good dietitian eventually.
• 22:24
  Speaker 3: And are you leaning into that social side to kind
• 22:28
  Speaker 3: of build a clientele out or what does that look
• 22:30
  Speaker 3: like for you?
• 22:31
  Speaker 2: Yeah, I guess in my contractor role, because I work
• 22:34
  Speaker 2: kind of under my own business name, Like it's very separate.
• 22:38
  Speaker 2: Even though I work in the same clinic, it's very separate.
• 22:40
  Speaker 2: I have my own identity there and my own company.
• 22:43
  Speaker 2: I think kind of building up that clientele, building up
• 22:45
  Speaker 2: that name for now is a good kind of stepping stone.
• 22:48
  Speaker 2: And then I guess, you know, in a few years
• 22:51
  Speaker 2: down the track, hopefully my goal becomes a reality.
• 22:55
  Speaker 3: It totally will. And it always is so disheartening when
• 22:59
  Speaker 3: like an it's the reality right when you say something like, oh, well,
• 23:03
  Speaker 3: you know, lots of people would prefer to following influencer,
• 23:05
  Speaker 3: and it drives me insane because it's.
• 23:08
  Speaker 2: Like, what do they know?
• 23:10
  Speaker 3: Like they're saying things with conviction, and it's getting you
• 23:12
  Speaker 3: in trouble, Like I'm known about you and you probably
• 23:15
  Speaker 3: shouldn't agree to me in this moment. But I feel
• 23:18
  Speaker 3: like all of the influences right now that a drop
• 23:20
  Speaker 3: in health and beauty stuff are really promoting heroin chic
• 23:24
  Speaker 3: as like a body aesthetic or and that's just not
• 23:27
  Speaker 3: what it should be about. Like we've come so far,
• 23:30
  Speaker 3: like in being strong and being women and eating the
• 23:33
  Speaker 3: right stuff, and now it's just like we're going backwards.
• 23:36
  Speaker 3: So we need more people like you to have voices
• 23:38
  Speaker 3: that can be amplified to keep us happy and to
• 23:42
  Speaker 3: keep us healthy and to put U say in the
• 23:44
  Speaker 3: best possible position, because listening to influencers is horrific. Like
• 23:47
  Speaker 3: I find myself even when I'm talking about my journey,
• 23:51
  Speaker 3: I'll be like, I am not a doctor, but this
• 23:54
  Speaker 3: is what I'm doing. Please do not listen to me.
• 23:56
  Speaker 3: All I know is money. Like, I've got my finance degrees,
• 23:59
  Speaker 3: I've got business degree, like I know what I'm talking
• 24:02
  Speaker 3: about there, and I've even got a couple of psychology degrees.
• 24:05
  Speaker 3: We can talk about that. Anything outside of that, I'm
• 24:07
  Speaker 3: not a professional. Stop asking me. Like you want to
• 24:09
  Speaker 3: talk about food, go to a dietitian, go and talk
• 24:12
  Speaker 3: to our money darrist.
• 24:13
  Speaker 2: Like.
• 24:14
  Speaker 3: I cannot tell you how frustrating it is when people
• 24:16
  Speaker 3: are like, can you do a day on a plate?
• 24:19
  Speaker 2: No?
• 24:19
  Speaker 3: Absolutely, I cannot, Like I cannot do a day on
• 24:22
  Speaker 3: a plate, because not only would it not be the
• 24:25
  Speaker 3: right thing to share, it would set like you know,
• 24:27
  Speaker 3: unrealistic expectations. Not because I eat too much, not because
• 24:30
  Speaker 3: I eat too little, all of that, but like, that's
• 24:33
  Speaker 3: crazy to think that I would become an influencer to
• 24:36
  Speaker 3: influence what people are eating it a day. Get me
• 24:39
  Speaker 3: out of here, exact, get me out.
• 24:41
  Speaker 2: A lot of my job is literally just debunking the
• 24:44
  Speaker 2: latest nutrition myth on the internet, so it's quite fee.
• 24:48
  Speaker 3: I have this gorgeous natural path that I see probably monthly, Zoe.
• 24:52
  Speaker 3: If you guys follow me on socials who would have
• 24:54
  Speaker 3: sent me a tagor a heap of times. But I
• 24:56
  Speaker 3: like am always going to her and you know, chatting
• 25:00
  Speaker 3: about my health, doing bloods, doing everything properly. But then
• 25:04
  Speaker 3: I'm like, what about this? Like, oh, have you heard
• 25:06
  Speaker 3: of Ozmpic? Everyone's talking about it, but she's just like
• 25:09
  Speaker 3: we're trying to sit down, like this is crazy, and
• 25:11
  Speaker 3: like we get to have these good conversations about what's
• 25:13
  Speaker 3: going on, and it just really reiterates to me, like,
• 25:16
  Speaker 3: do not listen to influences, listen to people who are
• 25:21
  Speaker 3: actually educated, Like did you not just hear how much
• 25:24
  Speaker 3: our money diarist was slaving away to make sure she
• 25:27
  Speaker 3: has the knowledge to put people first. That's who we
• 25:29
  Speaker 3: want to be. Championing drives me insane. My love drives
• 25:32
  Speaker 3: me to sane. Let's move on from that, because I
• 25:35
  Speaker 3: want to know what are your big money goals? Because
• 25:37
  Speaker 3: obviously getting back on your feet financially was a big
• 25:39
  Speaker 3: money goal. Sorry, there's one hundred and fifty thousand dollars
• 25:42
  Speaker 3: in your savings right now, so I feel like we've
• 25:44
  Speaker 3: achieved that. Yeah, what's next? What are you currently working towards?
• 25:49
  Speaker 2: I mean, even though I'm very, very scarred. I would
• 25:52
  Speaker 2: like to get an investment property again.
• 25:55
  Speaker 3: Well that's not a bad thing though, Like that's just
• 25:57
  Speaker 3: an asset class. We just don't want to buy with
• 26:00
  Speaker 3: a douchebag partner who's going to move in with a girl.
• 26:04
  Speaker 3: They told you not to worry about, you know.
• 26:05
  Speaker 2: Yeah, so I think if I do do it, it'll
• 26:08
  Speaker 2: definitely be alone. But yeah, I just want to make
• 26:11
  Speaker 2: sure that I guess I'm very secure able to you know,
• 26:15
  Speaker 2: pay the mortgages, do everything that I need to do. Again,
• 26:18
  Speaker 2: I feel like I have this kind of mentality. It's
• 26:21
  Speaker 2: like it's never enough, like I need to have money
• 26:23
  Speaker 2: because you just never know when you're going to need it.
• 26:26
  Speaker 2: So I guess eventually I will look into securing my
• 26:30
  Speaker 2: next kind of investment property.
• 26:33
  Speaker 3: But that's really exciting. All right, let's go to a
• 26:36
  Speaker 3: really quick break and on the flip side, I want
• 26:38
  Speaker 3: to know a little bit more about this investment property
• 26:40
  Speaker 3: journey and what it could look like. I want to
• 26:42
  Speaker 3: talk about debt and how you feel about it, and
• 26:44
  Speaker 3: then we're going to talk about best and worst money habits.
• 26:46
  Speaker 3: So guys, it don't go anywhere money varies do. We
• 26:52
  Speaker 3: are back and I want to talk a little bit
• 26:54
  Speaker 3: more about investments, because you said, Hey, I'm not that
• 26:57
  Speaker 3: scarred when it comes to investment property. The man. Sure,
• 27:01
  Speaker 3: but like the investment property, I probably would get straight
• 27:04
  Speaker 3: back into bed with one of those tell me about
• 27:07
  Speaker 3: the plan. There is that something that you're like, Look, VI,
• 27:09
  Speaker 3: I just know I want to do it. I haven't
• 27:10
  Speaker 3: got a plan, or are you kind of working towards
• 27:13
  Speaker 3: having a specific deposit saved or where are we with that?
• 27:17
  Speaker 2: I mean, at the moment, I'm just kind of plodding along.
• 27:21
  Speaker 2: I guess because I worked so hard, I pretty much
• 27:23
  Speaker 2: rebuilt the last six months of my life, probably a
• 27:26
  Speaker 2: little bit more. I've been rebuilding kind of all of
• 27:29
  Speaker 2: that money back and going from having nothing in my
• 27:32
  Speaker 2: bank account to you know, the sale of the property
• 27:35
  Speaker 2: coming through, and then kind of rebuilding my finances up
• 27:38
  Speaker 2: from there. I think probably within the next year or so,
• 27:41
  Speaker 2: I'll look into buying a property.
• 27:43
  Speaker 3: Oh that's exciting and so soon.
• 27:45
  Speaker 2: Yeah, no magic number, like I'm not looking to you know,
• 27:48
  Speaker 2: hit two hundred thousand or anything like that. But I
• 27:50
  Speaker 2: think just when I'm ready, when I feel ready to
• 27:53
  Speaker 2: do it, I'll do it.
• 27:54
  Speaker 3: I have no doubt you'll hit two hundred pounds. It
• 27:57
  Speaker 3: sounds like you are hustling and hustling hard. Are you
• 28:00
  Speaker 3: investing in any other way?
• 28:02
  Speaker 2: Yes, I am. I do you have a comsex account
• 28:06
  Speaker 2: so I have. I checked this morning. It was actually
• 28:09
  Speaker 2: twenty thousand, four hundred and ninety three dollars thus far.
• 28:12
  Speaker 2: Oh I can't.
• 28:13
  Speaker 3: And how long have you been investing? What made you
• 28:16
  Speaker 3: dive in first?
• 28:17
  Speaker 2: She's on the money.
• 28:19
  Speaker 3: I stopped it. You did not have to say that,
• 28:21
  Speaker 3: but I'm glad that we're all putting ourselves first.
• 28:25
  Speaker 2: I've literally got all of the books.
• 28:27
  Speaker 3: Do you actually?
• 28:28
  Speaker 2: That was so sweet.
• 28:29
  Speaker 3: It makes me want to cry when people are like,
• 28:32
  Speaker 3: I've got your books, I'm like, what do you mean?
• 28:34
  Speaker 3: Like I thought it was just my mum who bought those.
• 28:36
  Speaker 2: So I bought them as well. I have them. My
• 28:40
  Speaker 2: dad also helped as well, so I did go to
• 28:43
  Speaker 2: him after kind of listening to a lot of the
• 28:45
  Speaker 2: podcast I guess around kind of investing and things like that. Yeah,
• 28:48
  Speaker 2: and I went to him, and I started off with
• 28:51
  Speaker 2: a comsex pocket, so I think I probably put like
• 28:55
  Speaker 2: two hundred dollars into that made and then my dad,
• 28:58
  Speaker 2: who's an accountant, I went to him and I was like,
• 29:01
  Speaker 2: I want to start investing. Can you kind of tell
• 29:04
  Speaker 2: me what I should do, not necessarily what I should
• 29:06
  Speaker 2: invest in or anything.
• 29:08
  Speaker 3: And he was probably like money, darrist, I've been telling
• 29:10
  Speaker 3: you this for years, and you were h yeah, but
• 29:13
  Speaker 3: I've listened to this podcast. And he was like, I
• 29:14
  Speaker 3: don't care about your podcast. I have been telling you
• 29:16
  Speaker 3: for years. Why didn't you listen to you? And You're like, no,
• 29:18
  Speaker 3: you never told me. That's crazy, Dad, No.
• 29:21
  Speaker 2: He really did. He's like, I've been saying this, if
• 29:23
  Speaker 2: you invested X amount, you know, in five years at
• 29:26
  Speaker 2: four percent.
• 29:27
  Speaker 3: Sorry, Dad, you're just too male. I'm sorry. We're not
• 29:31
  Speaker 3: here to listen to men about how to run our world.
• 29:34
  Speaker 3: So it's just not going to resonate. I don't need
• 29:36
  Speaker 3: make my own accountant father, as you probably already know
• 29:39
  Speaker 3: if you read my book. I'm sorry, Dad, I love you,
• 29:41
  Speaker 3: but I'm not going to be listening.
• 29:42
  Speaker 2: No, it doesn't make spect.
• 29:43
  Speaker 3: It just it wasn't even a choice. It was subconscious.
• 29:46
  Speaker 2: It's like when he would sit at the table with
• 29:49
  Speaker 2: me every night after dinner and do my Musk's homework
• 29:52
  Speaker 2: with me, and I would just go, nah, I can't
• 29:54
  Speaker 2: listen to not making any sense. So oh.
• 29:56
  Speaker 3: I wrote about that in my book as well, and
• 29:58
  Speaker 3: how I used to sit at the dining with my
• 30:00
  Speaker 3: dad and he'd be trying to teach me times tables
• 30:02
  Speaker 3: and I would cry, I know, like I would sit
• 30:04
  Speaker 3: there crying and he would be like, no, Victoria, you're
• 30:06
  Speaker 3: not getting out of this by crying. You are sitting
• 30:08
  Speaker 3: here and doing it. So I'd be sobbing and be
• 30:10
  Speaker 3: like five times five.
• 30:13
  Speaker 2: It's so funny because I swear my life was exactly
• 30:15
  Speaker 2: the same. But no, he he told me kind of
• 30:19
  Speaker 2: how it worked so individually investing into different stocks, and
• 30:23
  Speaker 2: just from that point I did my own research. I
• 30:27
  Speaker 2: sat on it for a little while, Like I probably
• 30:29
  Speaker 2: sat on a couple stocks that I watched for about
• 30:32
  Speaker 2: three months or so. Yeah, did a bit of you know,
• 30:35
  Speaker 2: research and stuff, and then I did end up kind
• 30:38
  Speaker 2: of picking a couple stocks to invest in, and then
• 30:41
  Speaker 2: ever since then, I've just picked other stocks to invest.
• 30:44
  Speaker 3: In, so which we love, which we genuinely love. Like
• 30:48
  Speaker 3: I feel like sometimes it does take a little bit
• 30:50
  Speaker 3: of sitting and a little bit of planning, Like it's
• 30:52
  Speaker 3: never you listen to one podcast and then did it
• 30:55
  Speaker 3: and if you did I'm confused, like, how did you
• 30:57
  Speaker 3: just get the confidence because I didn't even have the
• 31:00
  Speaker 3: confidence to do that.
• 31:01
  Speaker 2: No, it was very confused, Like.
• 31:02
  Speaker 3: Me, it's insane. I need to step back and make
• 31:05
  Speaker 3: decisions slowly.
• 31:07
  Speaker 2: Yeah, I'm the same. I needed to just sit on
• 31:09
  Speaker 2: it for a while and understand it. Before I kind
• 31:11
  Speaker 2: of did invest in individual stocks, especially like blue chips
• 31:15
  Speaker 2: and things like that, I didn't really understand.
• 31:17
  Speaker 3: Yeah, that's so exciting. And is that something where over
• 31:20
  Speaker 3: time you're going to be investing more or are we
• 31:22
  Speaker 3: really prioritizing getting into an investment property like or are
• 31:26
  Speaker 3: you just like V I'm just doing whatever feels good
• 31:29
  Speaker 3: right now.
• 31:29
  Speaker 2: No. Well, I try to put aside each week about
• 31:32
  Speaker 2: one hundred dollars depending on kind of like my pay
• 31:36
  Speaker 2: that week, and then I just kind of wait until
• 31:38
  Speaker 2: I'm ready to buy a certain stock or buy more
• 31:41
  Speaker 2: of a stock that I've currently already got. That's kind
• 31:43
  Speaker 2: of how I work.
• 31:45
  Speaker 3: I love that, all right. Tell me about debt. Do
• 31:47
  Speaker 3: you have any debts? Have you ever had any debt?
• 31:49
  Speaker 3: I feel I feel like I know the answer to this.
• 31:51
  Speaker 2: No. At the moment, the only debt that I've got
• 31:54
  Speaker 2: is my ex debt, which is I think. So I
• 31:57
  Speaker 2: paid off my first undergraduate degree, so I've just got
• 31:59
  Speaker 2: my mom sitting in there. I think at the moment
• 32:01
  Speaker 2: it's like twenty thousand maybe yep, yeah, yep.
• 32:05
  Speaker 3: And you planning on paying it off or you very
• 32:07
  Speaker 3: happy with that? What's your approach.
• 32:09
  Speaker 2: I've been thinking about paying it off, but I'm happy
• 32:12
  Speaker 2: to just kind of write it out for the next
• 32:13
  Speaker 2: couple of years and again just say invest and then
• 32:17
  Speaker 2: maybe when I'm in a better financial situation, I will
• 32:20
  Speaker 2: pay it off.
• 32:21
  Speaker 3: We'll see how we go, totally. So tell me a
• 32:24
  Speaker 3: bit more about personal insurances because you are quite young.
• 32:28
  Speaker 3: Is this something I mean, you've read my books, so
• 32:30
  Speaker 3: you know how important I think this is. But is
• 32:33
  Speaker 3: this something that you've set up or organized or even
• 32:35
  Speaker 3: thought about yet.
• 32:36
  Speaker 2: No, I don't have any personal insurance, but I have
• 32:40
  Speaker 2: been thinking about it, doing it through my super But yes,
• 32:44
  Speaker 2: I don't have any currently. I think definitely something to
• 32:47
  Speaker 2: ponder about. It is important. I just don't have any.
• 32:50
  Speaker 3: I think it's very important and you definitely should. But
• 32:53
  Speaker 3: that is okay, that's something that could definitely take you
• 32:55
  Speaker 3: from a B to an A overnight. I reckon tell
• 32:58
  Speaker 3: me a bit more. I feel like you're going to
• 33:00
  Speaker 3: have some pretty good money habits. You don't go from
• 33:03
  Speaker 3: losing literally everything that you'd saved for and you know,
• 33:06
  Speaker 3: and losing all your wedding deposits to have one hundred
• 33:08
  Speaker 3: and fifty grand saved without some good money habits. So
• 33:11
  Speaker 3: what do you think is your best money habit?
• 33:13
  Speaker 2: My best money habit, And I've been doing this since
• 33:16
  Speaker 2: my first job. As soon as I get paid, I
• 33:19
  Speaker 2: pretty much put a certain amount into savings, an emergency fund,
• 33:23
  Speaker 2: my car expenses. I have a whole range of different
• 33:27
  Speaker 2: accounts that I allocate, and then I'll leave myself my
• 33:30
  Speaker 2: budget for the week. Once you know that budget is gone,
• 33:35
  Speaker 2: I mean, I try and budget as much as I can,
• 33:37
  Speaker 2: but once it's gone, it's gone. So I like practically
• 33:39
  Speaker 2: will live off two minute noodles if I have to.
• 33:42
  Speaker 3: And I mean that's a good thing. But where does
• 33:44
  Speaker 3: that discipline come from? Have you always had that or
• 33:47
  Speaker 3: are you just like, no, I don't want to spend
• 33:48
  Speaker 3: any more money, or I don't want to, you know,
• 33:51
  Speaker 3: go above them. I don't know how do you get
• 33:53
  Speaker 3: that mentality? Because so many people just don't have it right,
• 33:55
  Speaker 3: They just go No, I could never do that, Like,
• 33:57
  Speaker 3: I wouldn't. I wouldn't sacrifice that.
• 34:00
  Speaker 2: Yeah, I really don't know, Like I just pretty much
• 34:03
  Speaker 2: from the first paycheck I got I started doing it.
• 34:06
  Speaker 2: No one told me to do it. I just I
• 34:08
  Speaker 2: did it, and I've just been doing it for pretty
• 34:11
  Speaker 2: much my whole working life.
• 34:14
  Speaker 3: Yeah, And I think that that's like, honestly relatively healthy
• 34:17
  Speaker 3: as long as it's not like restrictive in every other
• 34:19
  Speaker 3: part of your life. But I'm also like, how do
• 34:21
  Speaker 3: people just know this and then other people don't, Like,
• 34:24
  Speaker 3: obviously it's part of your money stories, but like, which
• 34:27
  Speaker 3: part how do we teach this?
• 34:29
  Speaker 2: I'm not too sure. Again, I think it was just
• 34:31
  Speaker 2: because growing up money wasn't scarce. However, we did have
• 34:35
  Speaker 2: periods where we didn't have money. So I think again,
• 34:38
  Speaker 2: it's just I hold onto whatever money I can, And
• 34:42
  Speaker 2: I guess that's probably going into my worst money habit.
• 34:45
  Speaker 2: That is, that's probably my So what is your worst
• 34:48
  Speaker 2: money habit? I think again, probably just holding onto all
• 34:53
  Speaker 2: my money and being scared and I guess being stung
• 34:55
  Speaker 2: in the past now that's probably made that a little
• 34:57
  Speaker 2: bit more heightened and substand It's like I can't lose
• 35:02
  Speaker 2: my money, like I've been there before now and it
• 35:05
  Speaker 2: scares me. So it's like I can't not have any money,
• 35:07
  Speaker 2: if you know what I mean.
• 35:08
  Speaker 3: Yeah, that's kind of scary. But also what does that
• 35:10
  Speaker 3: mean in the future, Like have you found a new partner?
• 35:13
  Speaker 3: Is that something that you're interested in? Like how do
• 35:17
  Speaker 3: we move forward once somebody has like kind of just
• 35:20
  Speaker 3: been like, oh, by the way, I'm out. Also you
• 35:22
  Speaker 3: work it out. Also you're up for all of these costs,
• 35:25
  Speaker 3: like that would scare me off.
• 35:27
  Speaker 2: Yeah, I do have a new partner.
• 35:29
  Speaker 3: Actually, yay, Well I'm glad.
• 35:32
  Speaker 2: Yeah, he's great, he's unreal. He has spoken to me
• 35:35
  Speaker 2: about consolidating our finances. But I'm just like very scarred.
• 35:38
  Speaker 2: It's not happening, absolutely not, sir. So for now, it's
• 35:42
  Speaker 2: my money or money, And yeah, I guess somewhere down
• 35:45
  Speaker 2: the line, if I feel comfortable doing it, then I
• 35:47
  Speaker 2: may probably not all of my finances like I did prior,
• 35:51
  Speaker 2: but it may be something that, you know, down the line,
• 35:55
  Speaker 2: we do end up doing. But yes, I think my
• 35:58
  Speaker 2: scarcity kind of mindset do need to work on. It's
• 36:01
  Speaker 2: something that I know I need to work on. But
• 36:05
  Speaker 2: it's just a matter of I don't really know how
• 36:06
  Speaker 2: to do it because it's so engraved in me.
• 36:08
  Speaker 3: Yeah, tell me a little bit more about this scarcity
• 36:11
  Speaker 3: mindset and how you feel like it's holding you back,
• 36:14
  Speaker 3: because I think a lot of the time people are like, oh, well,
• 36:16
  Speaker 3: a scarcity mindset is really bad, but sometimes it can
• 36:19
  Speaker 3: be a good and a bad thing. And I'm not
• 36:21
  Speaker 3: trying to reframe it to be good because clearly you're like, there,
• 36:23
  Speaker 3: I want to work on this, but like, can you
• 36:26
  Speaker 3: tell me a bit more about where you feel like
• 36:28
  Speaker 3: that's holding you back.
• 36:29
  Speaker 2: I mean, it's not necessarily holding me back from anything,
• 36:33
  Speaker 2: but there is definitely times where say I've you know,
• 36:36
  Speaker 2: blown my budget for the week, where I do have
• 36:38
  Speaker 2: fifteen dollars left at the end of the week. My
• 36:40
  Speaker 2: friends might say like, hey, let's you know, go out
• 36:43
  Speaker 2: for dinner or something, and I'm like, no, so I
• 36:45
  Speaker 2: do kind of miss out on things I would, you know,
• 36:48
  Speaker 2: obviously like to kind of lengthen that out a little
• 36:52
  Speaker 2: bit or try and work on ways that I can,
• 36:55
  Speaker 2: you know, maybe extend my budget to allocate fun things.
• 36:59
  Speaker 2: But I've sound really boring actually now that I'm talking,
• 37:03
  Speaker 2: no sound boring.
• 37:05
  Speaker 3: I think you sound relatable because so many of us
• 37:08
  Speaker 3: are going, like, you know, we don't know have one
• 37:10
  Speaker 3: hundred and fifty grand saved, but so many of us
• 37:13
  Speaker 3: are like, oh, that's holding me back off?
• 37:14
  Speaker 1: But is it?
• 37:15
  Speaker 2: But isn't it?
• 37:16
  Speaker 3: Like life is stressful my friends, like so many of
• 37:19
  Speaker 3: us are just trying to get by, and then we
• 37:21
  Speaker 3: identify things that we're like, oh, I'm struggling with that.
• 37:24
  Speaker 3: But I also have never heard someone say that they're struggling,
• 37:27
  Speaker 3: especially around money. Like how many times have you heard
• 37:29
  Speaker 3: someone outside of the She's on the Money and like
• 37:32
  Speaker 3: the podcast Money Space, say oh, I'm really struggling with
• 37:36
  Speaker 3: my scarcity mindset. It's holding me back from creating wealth
• 37:39
  Speaker 3: or creating happiness. Like these aren't questions that we know
• 37:43
  Speaker 3: the answers to, Like we just don't. So I think
• 37:47
  Speaker 3: it's so important that we talk about this and go,
• 37:50
  Speaker 3: what about that is holding you back or you know
• 37:52
  Speaker 3: what's going on? And you're saying, hey, Vey, well not
• 37:54
  Speaker 3: really holding me back, but I am missing out on
• 37:56
  Speaker 3: like life experiences with my friends, and like that's what
• 37:59
  Speaker 3: I would want to build. Wow, how insightful is that
• 38:03
  Speaker 3: for us to know? And how insightful. Is it that
• 38:05
  Speaker 3: somebody gets to listen to this money story and go
• 38:08
  Speaker 3: hold on? That's how I'm feeling. That's crazy, Like I
• 38:10
  Speaker 3: thought it was just me, Like I think it's just
• 38:14
  Speaker 3: really special.
• 38:15
  Speaker 2: Yeah, it's good, but it's also not good at the
• 38:19
  Speaker 2: same time. So I'd like to get to a good,
• 38:21
  Speaker 2: happy meeting. I do get it. I do get it.
• 38:25
  Speaker 2: So tell me.
• 38:26
  Speaker 3: Now that we've spoken, I feel like you're a bit
• 38:28
  Speaker 3: of a weapon. Also, you just like you've gotten back up,
• 38:32
  Speaker 3: dusted yourself off, and been like, I actually don't need that, man,
• 38:35
  Speaker 3: I'll just get a newer, better one. And then you
• 38:37
  Speaker 3: did like be so for real, like that is a
• 38:41
  Speaker 3: hot girl move. Now that we've spoken, do you really
• 38:45
  Speaker 3: feel like you are just to be?
• 38:48
  Speaker 1: Like?
• 38:48
  Speaker 3: I don't know what would make you an a? What
• 38:50
  Speaker 3: do you have to do to get to become an
• 38:52
  Speaker 3: a given you're so young and have so much ahead
• 38:55
  Speaker 3: of you.
• 38:56
  Speaker 2: I don't know. Actually, I think probably to become an
• 39:01
  Speaker 2: it would mean that I do have I guess better,
• 39:05
  Speaker 2: I guess relationships in terms of money where it's not
• 39:08
  Speaker 2: like I'm constantly holding onto it, and you know, it's
• 39:11
  Speaker 2: something that I constantly think about. I just don't have
• 39:15
  Speaker 2: enough of like, and I think that's the thing. I'll
• 39:17
  Speaker 2: never have enough of it no matter what my goal is,
• 39:21
  Speaker 2: no matter what I reach, it will never be enough
• 39:23
  Speaker 2: to me. So I think that is probably the only
• 39:26
  Speaker 2: thing kind of holding me back at the moment. It's
• 39:30
  Speaker 2: like a blessing and a curse really, But that's.
• 39:32
  Speaker 3: Also not the worst thing. But it does sound like
• 39:35
  Speaker 3: maybe it's not a I have to save more, I
• 39:38
  Speaker 3: have to buy an investment property for me. It sounds
• 39:40
  Speaker 3: a little bit more around your money mindset and like
• 39:43
  Speaker 3: feeling comfortable and like getting really comfort in this relationship
• 39:46
  Speaker 3: that you're now in about how you manage money moving forward,
• 39:49
  Speaker 3: because you just don't want that to be something that
• 39:52
  Speaker 3: you know Lord's over you for the rest of it ever,
• 39:54
  Speaker 3: Like I just feel like that could be all all
• 39:57
  Speaker 3: consuming and overwhelming, right, Yeah, exactly, no, And that's not
• 40:01
  Speaker 3: the worst thing to want to work on, right, And
• 40:04
  Speaker 3: like I talk a lot about it in my books,
• 40:05
  Speaker 3: as you would probably know. So I'm going to gift
• 40:07
  Speaker 3: you my money masterclass to do because as much as
• 40:10
  Speaker 3: it's just a budget, right, it's also got so many
• 40:14
  Speaker 3: videos about money mindset and getting on the same page
• 40:17
  Speaker 3: and like feeling confident with money, and I just think
• 40:20
  Speaker 3: that you might benefit from that and if that even
• 40:23
  Speaker 3: pushes you to a B plus, I would love that.
• 40:26
  Speaker 2: I would love that too. Thank you. I appreciate the door.
• 40:30
  Speaker 3: Oh I'm glad. I was worried that you'd be like
• 40:32
  Speaker 3: no V, like I already have it.
• 40:34
  Speaker 2: Or I was going to buy it, like probably two
• 40:38
  Speaker 2: months ago. I was like I'm going to buy it,
• 40:40
  Speaker 2: and then I didn't end up doing it.
• 40:42
  Speaker 3: I think, well, I'm glad you did it because you've
• 40:43
  Speaker 3: just saved and like I'll gift it to you as
• 40:46
  Speaker 3: a little bit of a thank you for doing the
• 40:47
  Speaker 3: money don't with me, because I'm like, hold on, this
• 40:49
  Speaker 3: would really work for you, and like I think you'll
• 40:51
  Speaker 3: find the budget, like the actual spreadsheet really empowering as well,
• 40:55
  Speaker 3: especially if you're trying to like plan out what's next
• 40:58
  Speaker 3: or where you're going and what that looks like. I'm
• 41:00
  Speaker 3: excited for you to do it, but I'm also just
• 41:02
  Speaker 3: really grateful that I've had the opportunity to do this
• 41:05
  Speaker 3: money diary with you and like share a bit of
• 41:07
  Speaker 3: your story and you know, throw some mean words around
• 41:11
  Speaker 3: about your expert from my side, not yours. I were
• 41:15
  Speaker 3: very respectful, and you know what, maybe no one's broken
• 41:18
  Speaker 3: up with me like that because they just know that
• 41:21
  Speaker 3: I would be savage, like I'd be so rude, like
• 41:24
  Speaker 3: I'd get canceled.
• 41:25
  Speaker 2: No one cancels Victoria to more.
• 41:26
  Speaker 3: They've tried, and you know.
• 41:28
  Speaker 2: What, pop off.
• 41:29
  Speaker 3: Sometimes they're right. Sometimes I need to pull my head in.
• 41:32
  Speaker 3: But at least I'm honest.
• 41:33
  Speaker 2: You know, not on my watch. No, it's not happening.
• 41:36
  Speaker 2: I appreciate you.
• 41:37
  Speaker 3: It has been an absolute pleasure. Thank you so much
• 41:39
  Speaker 3: for joining us.
• 41:40
  Speaker 2: Thanks for having me.
• 41:46
  Speaker 4: The advice shared on She's on the Money is general
• 41:48
  Speaker 4: in nature and does not consider your individual circumstances. She's
• 41:52
  Speaker 4: on the Money exists purely for educational purposes and should
• 41:56
  Speaker 4: not be relied upon to make an investment or financial decision.
• 41:59
  Speaker 4: If you do choose to buy a financial product, read
• 42:02
  Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards
• 42:06
  Speaker 4: your needs. Victoria Divine and She's on the Money are
• 42:09
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• 42:13
  Speaker 4: A b N three two one six four nine two
• 42:16
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• 42:20
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