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Bloopers, Investment Bonds and Big Decisions: Your Ultimate 2024 Send-Off! · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor
• 0:04
  Speaker 1: the Order KERNI Whoaltbury 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, She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on the Money the podcast.
• 1:00
  Speaker 4: And that makes personal finance fun, especially on Fridays. It
• 1:04
  Speaker 4: is our favorite day of the week because one it
• 1:07
  Speaker 4: was Christmas.
• 1:08
  Speaker 2: News is coming, but it's also.
• 1:10
  Speaker 4: A time for us to get our little team together
• 1:13
  Speaker 4: and celebrate you, our incredible She's on the Money family.
• 1:17
  Speaker 4: Jessica Ricci has a few favorite non Christmas money wins. Yes,
• 1:21
  Speaker 4: I'm sorry, jess Christmas is over, Beck. We're going to
• 1:25
  Speaker 4: be sharing some of your very exciting broke tips to
• 1:28
  Speaker 4: help tide us over till the new year, and we're
• 1:31
  Speaker 4: going to be helping to answer a juicy money dilemma,
• 1:33
  Speaker 4: which this week is all about investing for kids and
• 1:36
  Speaker 4: something that you lead into our dms about whether you
• 1:39
  Speaker 4: should leave your job after missing.
• 1:40
  Speaker 2: Out on a promotional or not. Juicy. Yes, so how.
• 1:46
  Speaker 4: Are we all as a good start to the conversation?
• 1:50
  Speaker 2: You go first?
• 1:50
  Speaker 5: Yess good, I'm living in the post Christmas bubble. Are
• 1:54
  Speaker 5: you guys tree down before the end of the year
• 1:56
  Speaker 5: or leave it up?
• 1:57
  Speaker 4: Rages until my husband starts complaining aggressively about the fact
• 2:02
  Speaker 4: that it's up and it's still February, so I haven't
• 2:05
  Speaker 4: hit that not taking it down?
• 2:07
  Speaker 2: Interesting?
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  Speaker 5: No, mine's got to be down before January first, which
• 2:10
  Speaker 5: is I mean? I guess I get a lot of
• 2:12
  Speaker 5: mileage pre Christmas. Sure to me, I feel like, you know,
• 2:16
  Speaker 5: the new year knew me fresh slate thing. Yeah, I
• 2:18
  Speaker 5: feel like if I have the Christmas tree up, I'm
• 2:20
  Speaker 5: still living in.
• 2:22
  Speaker 2: Yes, maybe I should go on sprinkling and take it down.
• 2:27
  Speaker 2: You're so like I have weird.
• 2:29
  Speaker 6: Things like one Christmas as soon as like, okay, I
• 2:31
  Speaker 6: don't want to see more of it.
• 2:33
  Speaker 4: Yeah, I expected Miss Jessic Ricci to be like milk
• 2:37
  Speaker 4: and Christmas for all its work. But here she is,
• 2:40
  Speaker 4: She's like, right, so the Christmas tree is absolutely down, Beck,
• 2:43
  Speaker 4: would you like to go to Cols and pick up
• 2:44
  Speaker 4: some hot cross buns?
• 2:46
  Speaker 2: Yeah? I feel like you're onto the next Absolutely, you're
• 2:51
  Speaker 2: f boy.
• 2:53
  Speaker 6: Yeah, one goes away like, Okay, where where's my next
• 3:00
  Speaker 6: waking next?
• 3:02
  Speaker 2: Literally? How about you guys? How's your week spened?
• 3:04
  Speaker 3: Oh?
• 3:04
  Speaker 4: I am absolutely gonna maybe consider taking my Christmas tree down.
• 3:07
  Speaker 4: And when I say that, I'm just going to think
• 3:09
  Speaker 4: about it and.
• 3:09
  Speaker 2: Not do it. It's been good, It's been good. It's
• 3:12
  Speaker 2: very fun.
• 3:13
  Speaker 4: I love this lull between Christmas and New Years where
• 3:15
  Speaker 4: you forget what day it is, Like, what day is it?
• 3:18
  Speaker 2: You don't know it's Wednesday day.
• 3:19
  Speaker 6: It's yeah, it's like real guilt free, not not that
• 3:24
  Speaker 6: it ever shouldn't be guilt free, but it's like really
• 3:26
  Speaker 6: guilt free rest.
• 3:27
  Speaker 1: You know.
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  Speaker 4: Yeah, Because I think the thing that I like about
• 3:30
  Speaker 4: this period and maybe like this isn't as relatable because
• 3:33
  Speaker 4: I'm a business owner, is it's the only week of
• 3:36
  Speaker 4: the year where I know the rest of the team.
• 3:39
  Speaker 2: Aren't all on like people going on your leave.
• 3:41
  Speaker 4: But like the business is always on right, even when
• 3:43
  Speaker 4: I'm on holidays, Like I'm still checking in being like
• 3:46
  Speaker 4: how are you guys, Like what are you doing?
• 3:48
  Speaker 2: Do you need me for anything?
• 3:49
  Speaker 4: I know I'm not needed this week because like even
• 3:52
  Speaker 4: the girls that are at work, because we still have
• 3:54
  Speaker 4: like I guess you could say like bait bones teams
• 3:56
  Speaker 4: to make sure that you know the admin's still done
• 3:59
  Speaker 4: and that all of you go get someone you know
• 4:01
  Speaker 4: to come back to you. But like it's one week
• 4:03
  Speaker 4: that I'm like, nobody needs anything from me.
• 4:05
  Speaker 2: This is living. Yeah, I'm going to have a second
• 4:07
  Speaker 2: cocktail on a Tuesday. I am going to do that.
• 4:10
  Speaker 6: Yeah, definitely. There are no rules.
• 4:12
  Speaker 2: There's no rules.
• 4:13
  Speaker 6: I don't think there ever should be. But it's it's
• 4:15
  Speaker 6: nice that we all can collectively.
• 4:17
  Speaker 2: Pressure free week.
• 4:18
  Speaker 7: It really is. It really is.
• 4:19
  Speaker 6: And me I'm back from Sydney, which is really nice.
• 4:22
  Speaker 6: It's been a honestly been of a hell of a time.
• 4:25
  Speaker 6: I've been like waiting for this PA cycle because I'm like, Okay,
• 4:27
  Speaker 6: it's Christmas. It's going to be very expensive. My car
• 4:30
  Speaker 6: got told in the city, no, it costs five hundred.
• 4:33
  Speaker 2: Dollars you parkway.
• 4:37
  Speaker 7: But it was one. They started at four. I thought
• 4:40
  Speaker 7: they started four thirty.
• 4:41
  Speaker 4: Bro, you don't even have the excuse of being pregnant.
• 4:43
  Speaker 4: But I remember I had that when I was pregnant.
• 4:46
  Speaker 4: I parked in them.
• 4:48
  Speaker 2: It was not fun. It was not fun in the city. Yeah,
• 4:52
  Speaker 2: in this Oh no, it was like in Richmond.
• 4:54
  Speaker 4: And then they take your car to that place in
• 4:55
  Speaker 4: Fitzroy and then you have to go pick it up,
• 4:57
  Speaker 4: and then it feels really weird, Like you go in
• 5:01
  Speaker 4: and it's this weird office and they want your money
• 5:03
  Speaker 4: and then they give you your keys and you're just like.
• 5:05
  Speaker 7: You feel like a criminal.
• 5:06
  Speaker 2: Yeah, I am a criminal.
• 5:07
  Speaker 7: It's crazy.
• 5:08
  Speaker 6: It's literally well it depends on the council, but it
• 5:10
  Speaker 6: is Melbourne City. And so four hundred nine dollars and
• 5:13
  Speaker 6: then one hundred and ninety something dollar fine as well, what.
• 5:16
  Speaker 2: A fine on top of that.
• 5:18
  Speaker 6: I know, luckily I could borrow money. But I don't
• 5:21
  Speaker 6: think I got fine.
• 5:22
  Speaker 2: I think I just got the toe and they took
• 5:25
  Speaker 2: my car.
• 5:25
  Speaker 6: I don't think I know that oping they forget sometimes
• 5:28
  Speaker 6: they do, you know, they're just they owly humans.
• 5:31
  Speaker 2: Write out of it. You should do it.
• 5:33
  Speaker 4: Jessica Ricci. She always writes a letter.
• 5:36
  Speaker 2: Might write a letter.
• 5:37
  Speaker 7: I'll write a letter. That's a really good idea. I'll
• 5:39
  Speaker 7: just really this Christmas. You guys, come on, I mean
• 5:41
  Speaker 7: it was.
• 5:42
  Speaker 2: Christmas, and come up with a better excuse than that.
• 5:44
  Speaker 6: I could.
• 5:44
  Speaker 4: I could think it was helping a really frail old
• 5:47
  Speaker 4: man cross the street and therefore I couldn't get back
• 5:49
  Speaker 4: to my car in time.
• 5:50
  Speaker 2: And also there were four puppies stuck.
• 5:52
  Speaker 4: In a drain and I saved them all.
• 5:56
  Speaker 2: And you guys treat me like this.
• 5:58
  Speaker 6: And then I finally got up and saw some want
• 6:00
  Speaker 6: about to hit by cars. Away ran in front of
• 6:01
  Speaker 6: them and push them. I got hit by a car.
• 6:03
  Speaker 6: It's a whole thing.
• 6:04
  Speaker 2: And then I found fifty bucks on the floor. Like
• 6:06
  Speaker 2: I just that there has to be a story.
• 6:08
  Speaker 7: Yeah, true, true. They'll be like, okay, well that's our
• 6:09
  Speaker 7: fifty bucks.
• 6:10
  Speaker 6: Yeah, but no other than that. Honestly, it's been been
• 6:13
  Speaker 6: so jobs looking for a house housemate to soave anyone
• 6:17
  Speaker 6: out there, how's a room let me know, Yes, a
• 6:19
  Speaker 6: bit all over the place, but it's also fun. I'm
• 6:21
  Speaker 6: having I'm having the time in my life.
• 6:22
  Speaker 4: I love it all right, Well, should we get into
• 6:24
  Speaker 4: it because this week we obviously are a bit lean
• 6:28
  Speaker 4: on content because scoletal team in the office. But we
• 6:32
  Speaker 4: have a heap of bloopers from the year that was
• 6:35
  Speaker 4: that we're going to share with you before we you know,
• 6:37
  Speaker 4: start fresh and be better next years my favorite tradition.
• 6:40
  Speaker 2: I love the bloopers.
• 6:42
  Speaker 4: I'm not looking forward to it because I just know
• 6:44
  Speaker 4: that every single time we play them, I'm humbled. But
• 6:47
  Speaker 4: before we get into the bloopers, we actually have another
• 6:49
  Speaker 4: five star review. This one comes to us in an
• 6:52
  Speaker 4: a roundabout way, So this one's from Carolyn and she
• 6:56
  Speaker 4: actually sent us a DM of her five star review.
• 7:00
  Speaker 5: Oh, I'm really trying all methods.
• 7:05
  Speaker 2: I can leave them on.
• 7:07
  Speaker 4: I'll take them however they're coming because they just stroke
• 7:09
  Speaker 4: out egos that this one's from Carolyn, Lol. Don't know
• 7:12
  Speaker 4: how to leave a review on a podcast, so I'm
• 7:15
  Speaker 4: going to send you this. Honestly, this podcast is part
• 7:17
  Speaker 4: of my self care. I want more content from Jess
• 7:21
  Speaker 4: making things coming from another creative queen. I am currently
• 7:25
  Speaker 4: making handkerchiefs for the oldies in my life who need them,
• 7:28
  Speaker 4: and I'm personalizing them. But I'm going to need a
• 7:31
  Speaker 4: Robovac to make time for all of this sewing with
• 7:34
  Speaker 4: how much we work as mums these days, we need
• 7:36
  Speaker 4: things to cook and clean for us. I work four
• 7:39
  Speaker 4: days a week with a fifteen month old, so it
• 7:41
  Speaker 4: is tough to do everything. But thank you so much
• 7:44
  Speaker 4: for joining me on my drives to work. You guys
• 7:46
  Speaker 4: are all friends of mine and I spend so much
• 7:49
  Speaker 4: time with you guys. It's been years as I have
• 7:51
  Speaker 4: been listening since the beginning.
• 7:53
  Speaker 2: Oh that's a really really nice.
• 7:55
  Speaker 4: Pie, isn't that so sweet? Also, I'll take my reviews
• 7:57
  Speaker 4: however they come. You want to send them in dmsleigh.
• 8:00
  Speaker 5: Absolutely, if you do, you want to leave them publicly,
• 8:02
  Speaker 5: you can go in an Apple podcast app and it's
• 8:05
  Speaker 5: you go to our little show page and you scroll
• 8:07
  Speaker 5: down to the bottom and you can leave.
• 8:08
  Speaker 2: You can leave. Do you have to have an Apple phone?
• 8:10
  Speaker 7: No?
• 8:11
  Speaker 4: No, yes you do need to have an Apple phone
• 8:14
  Speaker 4: to be able to leave an Apple review.
• 8:15
  Speaker 2: But you could rate.
• 8:16
  Speaker 4: Us five stars on Spotify if that's what you wanted
• 8:20
  Speaker 4: to do. If you really want to leave a text post,
• 8:22
  Speaker 4: lots of people have been leaving them on Google. I
• 8:25
  Speaker 4: just think that's so funny, like leaving podcast reviews on
• 8:28
  Speaker 4: a Google page.
• 8:29
  Speaker 2: But let's take it. We'll take whatever we can get, so, yeah,
• 8:33
  Speaker 2: we'll picky. We just appreciate it.
• 8:36
  Speaker 7: Yeah, I love that.
• 8:36
  Speaker 2: It's so cute. All right, so let's get into it, mistress.
• 8:40
  Speaker 4: Yes, when it comes to money, wins and confessions, what
• 8:42
  Speaker 4: are you bringing to the table?
• 8:43
  Speaker 2: Alrighty?
• 8:44
  Speaker 5: This week my first moneyman comes from a Rachel who
• 8:47
  Speaker 5: said she was out of her usual misca and she
• 8:50
  Speaker 5: knew that at least one chemist in town was going
• 8:52
  Speaker 5: to have it on sale.
• 8:53
  Speaker 2: Isn't that the truth?
• 8:54
  Speaker 5: She went to Priceline because they had it fifty percent
• 8:56
  Speaker 5: off on the website, but when she got into store
• 8:58
  Speaker 5: there was no sale tag. She asked the lovely sales
• 9:01
  Speaker 5: girl if she could check the price, and apparently it
• 9:03
  Speaker 5: was an online only sale.
• 9:05
  Speaker 2: No, how annoying. So annoying.
• 9:07
  Speaker 5: The girl then said, order it, click and collect, and
• 9:09
  Speaker 5: I'll pick it for you right now and you can
• 9:11
  Speaker 5: just go on your merry way. So asking the question
• 9:14
  Speaker 5: saved her fifteen dollars and it only took two minutes
• 9:16
  Speaker 5: of her time.
• 9:17
  Speaker 7: That's so good.
• 9:18
  Speaker 6: So nicely, she was like, I'll pick a for you
• 9:19
  Speaker 6: right now, because sometimes it's like twenty four hours.
• 9:21
  Speaker 7: It's going to take me tween four hours to pick
• 9:23
  Speaker 7: that up for you.
• 9:23
  Speaker 2: Yeah, shout out to that queen to her.
• 9:25
  Speaker 5: Next, I got money in from Simmo, who said for
• 9:28
  Speaker 5: Christmas she did some styling wrapping. She used all the
• 9:31
  Speaker 5: paper bags that she'd purchased her items in.
• 9:33
  Speaker 2: Oh yeah, I think.
• 9:34
  Speaker 4: I also think now's the time to save all your
• 9:36
  Speaker 4: Christmas wrapping. So go and buy all the gift tags
• 9:41
  Speaker 4: and stuff that it's all fifty yep, y yep, go
• 9:45
  Speaker 4: buy them, put them in the cupboard for next year.
• 9:47
  Speaker 2: A hundred is gonna thank you. Yeah, we love that.
• 9:50
  Speaker 5: Next, I've got a money in from Jessica, who said
• 9:52
  Speaker 5: money good in great name. I recently learned how to
• 9:55
  Speaker 5: crochet for fun a few months ago, and I was
• 9:58
  Speaker 5: able to sell some of the pieces at a couple
• 10:00
  Speaker 5: of markets last week. The side hustle is hustling. Then
• 10:03
  Speaker 5: she made just over three hundred dollars in sales, and
• 10:06
  Speaker 5: she's hoping she can do more with markets next year.
• 10:08
  Speaker 2: And she put in a little photo of her adorable
• 10:10
  Speaker 2: Oh they're cute. The corner side will die. They're adorable.
• 10:16
  Speaker 5: May I suggest sad hamsters. The girlies love a sad hamster.
• 10:19
  Speaker 5: We do love a sad hand because I've got a
• 10:21
  Speaker 5: money loss from Alps who said money loss courtesy of
• 10:25
  Speaker 5: BGW market And she's just done what I ordered or
• 10:28
  Speaker 5: what I expected were versus what I got me too,
• 10:32
  Speaker 5: So she had ordered a wreath.
• 10:34
  Speaker 2: It looks beautiful. There's some floral.
• 10:37
  Speaker 5: Jesus, Jesus and Mary giving a bit of a Nativity vibes.
• 10:42
  Speaker 2: It looks stunning.
• 10:43
  Speaker 5: And then she posted a video of what she got
• 10:46
  Speaker 5: and it's like the classic wish version. It's just a
• 10:49
  Speaker 5: cardboard print she.
• 10:52
  Speaker 7: Thought she bought.
• 10:53
  Speaker 3: She thinks she's.
• 10:53
  Speaker 5: Bought this wreath and she's literally received a cardboard photo.
• 10:57
  Speaker 2: We need.
• 10:57
  Speaker 5: The kozoo sound is at the back of it the video,
• 11:02
  Speaker 5: So yeah, let's see.
• 11:03
  Speaker 2: Okay, she got a piece of cardboard.
• 11:06
  Speaker 5: A cardboard with a photo of the thing that she
• 11:08
  Speaker 5: thought she'd.
• 11:10
  Speaker 2: Do.
• 11:11
  Speaker 5: I believe that happened on the I mean, I know
• 11:12
  Speaker 5: that it's the marketplace, so I'm assuming they don't.
• 11:15
  Speaker 2: Really No, I feel like they're getting they're getting real lax.
• 11:17
  Speaker 4: I bought something last year. Do you remember when I
• 11:20
  Speaker 4: bought that spa? So like that sounds unrelatable, but it
• 11:23
  Speaker 4: was an inflatable I bought the inflatable spa and it
• 11:26
  Speaker 4: came and it was broken, and I had so much
• 11:28
  Speaker 4: back and forth and they wouldn't take responsibility. It wasn't
• 11:31
  Speaker 4: Big w it was actually Woolworth's Marketplace, and they wouldn't
• 11:35
  Speaker 4: take responsibility for it. They said no, no, no, it's the
• 11:37
  Speaker 4: third party. And then I went to the person the
• 11:40
  Speaker 4: third party and they said no, no, no, if it
• 11:41
  Speaker 4: came through Woolworths, that's got nothing to do with us.
• 11:43
  Speaker 4: And then when I was like, okay, cool, well you
• 11:46
  Speaker 4: both have denied it, they're like, oh, shipping, it's a
• 11:48
  Speaker 4: shipping company. And it was a nightmare and I never
• 11:51
  Speaker 4: got my money back.
• 11:52
  Speaker 7: So annoying.
• 11:53
  Speaker 5: Really, those Yeah, those third party setups a little bit.
• 11:56
  Speaker 4: It's just I get that they're making money, but like, oh,
• 12:00
  Speaker 4: just just it's not You.
• 12:02
  Speaker 2: Need to at least get what you're expecting.
• 12:03
  Speaker 5: Like a cardboard cutout is absolutely.
• 12:05
  Speaker 2: Not absolutely not absolutely not.
• 12:09
  Speaker 4: All right, Beck, let's flip on over to your side
• 12:12
  Speaker 4: of the room. What broke tips you bring into the
• 12:14
  Speaker 4: table this week?
• 12:15
  Speaker 6: Okay, so this first one, I didn't catch their name,
• 12:18
  Speaker 6: but they said, hi, all, I'm listening to today's episode and
• 12:21
  Speaker 6: you were talking.
• 12:21
  Speaker 7: About public olive trees.
• 12:23
  Speaker 6: I do remember that There's this website I use called.
• 12:26
  Speaker 5: Olive Trees A little snippy snip, yes, yes, correct.
• 12:32
  Speaker 6: Sorry, Oh my god, I just brush that without giving
• 12:34
  Speaker 6: anyone any context. But yes, you can make your own
• 12:37
  Speaker 6: little olive things. That also doesn't clear it up anyway.
• 12:40
  Speaker 6: There's a website I use called Falling Fruit, which is
• 12:43
  Speaker 6: a map of public fruit trees. They say, don't be
• 12:45
  Speaker 6: a dic k obviously, and you know, just steal everyone's fruit.
• 12:50
  Speaker 6: But it's a good way to find free fruit in
• 12:52
  Speaker 6: season from feral trees where the fruit would otherwise just
• 12:55
  Speaker 6: rotten be wasted.
• 12:57
  Speaker 7: So cool, it's a.
• 12:57
  Speaker 2: Really good idea. I love that there's an app for that. Yeah,
• 13:00
  Speaker 2: that's so smart. I adore it.
• 13:01
  Speaker 4: There's actually on the walk that my husband and I do,
• 13:03
  Speaker 4: there's a fig tree, and if you know me, I
• 13:06
  Speaker 4: adore figs, like figs would be my favorite fruit. But
• 13:09
  Speaker 4: they're so expensive, so like I can't buy them, like
• 13:12
  Speaker 4: like not not because I can't afford them. I don't
• 13:15
  Speaker 4: want people to be like Victoria. We know that you
• 13:18
  Speaker 4: can afford a fit. I can, but I can't justify
• 13:20
  Speaker 4: it like that's like a luxury like that.
• 13:22
  Speaker 7: I'm just one figure.
• 13:24
  Speaker 4: They can be like three or four dollars, which I
• 13:27
  Speaker 4: think is just insane.
• 13:28
  Speaker 6: For like two, like generously two spoonfuls of.
• 13:32
  Speaker 2: Yeah, like fruit.
• 13:33
  Speaker 4: I just I can't justify it, but they are delicious.
• 13:36
  Speaker 4: And so I have had this fig tree in my
• 13:39
  Speaker 4: radar because I can see the figs aren't right, you're
• 13:41
  Speaker 4: just waiting, waiting, Jessica, someone ransacked the tree and there's
• 13:47
  Speaker 4: no figs.
• 13:49
  Speaker 2: Broken. Oh that's so sad.
• 13:51
  Speaker 4: Yeah, well that's the So I'm going to go on
• 13:53
  Speaker 4: this app and find where and have a little turn.
• 13:56
  Speaker 6: Yeah, several turn, so this one obviously, you know where.
• 14:00
  Speaker 6: Kind of looking forward now to our future Christmas selves,
• 14:04
  Speaker 6: and we're on every single year. I feel like maybe
• 14:06
  Speaker 6: we're all the same. We're like, Okay, next Christmas, I'm
• 14:09
  Speaker 6: going to be a little bit better.
• 14:10
  Speaker 4: But when now's the time to set up your savings
• 14:12
  Speaker 4: account and to the automatic transfers to make sure it
• 14:14
  Speaker 4: actually happens. Totally, you're probably still feeling the sting from Christmas,
• 14:18
  Speaker 4: so set it up while it's still hurts, instead of
• 14:20
  Speaker 4: like letting it get to February or March and you're like,
• 14:23
  Speaker 4: I'll work it out later.
• 14:24
  Speaker 7: Yeah, totally.
• 14:25
  Speaker 6: Well, I that little preface was just to justify this
• 14:29
  Speaker 6: very Christmas paper tip from Katie. So we did mention this,
• 14:32
  Speaker 6: I think a couple of weeks ago. But Katy says,
• 14:35
  Speaker 6: buy a roll of brown paper from BGW and paint
• 14:37
  Speaker 6: your own wrapping paper. Kids love it, and my husband
• 14:39
  Speaker 6: and I are making a date night of it. How
• 14:42
  Speaker 6: cute painting paper for the gifts for each other this Christmas.
• 14:45
  Speaker 6: So I think that's a really really cute idea. And
• 14:48
  Speaker 6: obviously if you have.
• 14:50
  Speaker 4: The birthdays and stuff too. I have been using brown
• 14:52
  Speaker 4: paper for forever. I just changed the decoration that I
• 14:55
  Speaker 4: put on it. Right now, There's going to be so
• 14:57
  Speaker 4: many like Christmas bows and stuff that will be on
• 15:00
  Speaker 4: sale that you could use with brown paper for birthdays. Yes,
• 15:03
  Speaker 4: because like it, just because it's rare doesn't mean it
• 15:06
  Speaker 4: can't be used at a birthday.
• 15:07
  Speaker 6: Yeah, absolutely, absolutely, Yeah, because there are other things you
• 15:12
  Speaker 6: need to wrap throughout the year. So yeah, just keep
• 15:14
  Speaker 6: that in mind for your also for your future Christmas self.
• 15:17
  Speaker 7: Okay, so this one I thought was really funny.
• 15:19
  Speaker 6: It's also quite Christmasy, but you can use this for
• 15:22
  Speaker 6: any other celebration, but keep it in mind for next Christmas.
• 15:26
  Speaker 6: So do a Secret Santa with strictly Facebook Marketplace freebies,
• 15:32
  Speaker 6: so you just like.
• 15:33
  Speaker 2: Yeah, iconic, terrifying.
• 15:35
  Speaker 6: Yeah, but you know, like there's also you know, gum
• 15:39
  Speaker 6: I don't know if anyone uses gum tree anymore.
• 15:41
  Speaker 2: But still around.
• 15:42
  Speaker 6: I still kind of use it, But gum Tree there's
• 15:46
  Speaker 6: a free section marketplace free section, just like it's like
• 15:50
  Speaker 6: the marketplace edition of Secret Santa.
• 15:53
  Speaker 7: So I think it's.
• 15:53
  Speaker 6: Really cute, really funny. Yeah, and you can get some
• 15:55
  Speaker 6: silly things all for free. We love free pair it
• 15:59
  Speaker 6: with your handmade brown paper perfect.
• 16:03
  Speaker 2: I love that. That's really cute.
• 16:05
  Speaker 4: All right, let's go to a really quick break because
• 16:07
  Speaker 4: on the flip side, we're going to be talking about
• 16:10
  Speaker 4: a money dilemma this week. We're talking investing for kids
• 16:14
  Speaker 4: and something that you slid into our DMS about. We're
• 16:16
  Speaker 4: going to be asking the question whether you should be
• 16:18
  Speaker 4: leaving your job after you didn't get the promotion you
• 16:21
  Speaker 4: went for. I feel like that could be spicy, like
• 16:24
  Speaker 4: could be good, could be bad.
• 16:26
  Speaker 2: Yeah, sometimes maybe good, sometimes maybe not.
• 16:30
  Speaker 5: Moving on, Welcome back, everybody, Let's take a listen to
• 16:37
  Speaker 5: this week's money dilemma.
• 16:41
  Speaker 2: Hi, there, have you got a money dilemma?
• 16:43
  Speaker 4: You just can't solve the sheese on The Money Team
• 16:45
  Speaker 4: is here to help. Every week, we tackle your dilemmas,
• 16:48
  Speaker 4: both big and small, to answer your most burning money,
• 16:51
  Speaker 4: career and life questions. To get involved, simply head to
• 16:54
  Speaker 4: our website and leave us a short voice recording and
• 16:57
  Speaker 4: you might just find yourself on the show. Now, let's
• 17:00
  Speaker 4: listen to this week's Money dilemma.
• 17:04
  Speaker 8: High Team Love the podcast. I've been listening through your
• 17:07
  Speaker 8: back catalog on investing for children, which has been super helpful,
• 17:11
  Speaker 8: but I was hoping you could give a bit more
• 17:13
  Speaker 8: information on the investment bond that you chose.
• 17:17
  Speaker 2: For Harvey Victoria.
• 17:19
  Speaker 8: I've had a Google and there seems to be a
• 17:21
  Speaker 8: lot of information on investment bonds, but none from I
• 17:24
  Speaker 8: guess providers that I recognize, and I don't know what
• 17:28
  Speaker 8: I should be looking for in terms of a reputable
• 17:30
  Speaker 8: investment bond or if there are specific brands that are
• 17:36
  Speaker 8: better than others depending on my needs. Hoping that you
• 17:41
  Speaker 8: could give a little bit more of an explainer on
• 17:44
  Speaker 8: how to choose an investment bond and what to look
• 17:46
  Speaker 8: for to set this up in the best possible way
• 17:50
  Speaker 8: for my kids.
• 17:51
  Speaker 2: Thanks so much, Ooh.
• 17:52
  Speaker 4: Spicy this is going to be some personal financial advice
• 17:56
  Speaker 4: which I'm legally not allowed to give.
• 17:59
  Speaker 2: So yeah, there is that.
• 18:01
  Speaker 4: Yeah, I mean it's a fun conversation because and this
• 18:05
  Speaker 4: is why we have said, yeah, let's like answer this
• 18:07
  Speaker 4: on the pod, because I'm obviously not going to go, oh, hey, well,
• 18:10
  Speaker 4: the reputable one is X. There are a number of
• 18:13
  Speaker 4: reputable companies in Australia. As I've said on podcasts before, like,
• 18:18
  Speaker 4: I totally understand that you guys, and this is.
• 18:21
  Speaker 2: Like, I don't know. I feel like I'm being a gatekeeper.
• 18:23
  Speaker 4: And I promise I'm not trying to be a gatekeeper,
• 18:25
  Speaker 4: but I know that I'm a finance expert, like I
• 18:30
  Speaker 4: know that as a fact.
• 18:32
  Speaker 2: I also know that you guys are.
• 18:34
  Speaker 4: So kind and so nice and trust me so much
• 18:37
  Speaker 4: that if I shared the exact investment bond I have
• 18:40
  Speaker 4: for Harvey, You're just going to pick that one.
• 18:43
  Speaker 2: I know that's what's going to happen.
• 18:45
  Speaker 4: It happens in my team, it happens in my life
• 18:47
  Speaker 4: all the time, where I go I invest in X,
• 18:50
  Speaker 4: Y Z, and then someone will just pick that because
• 18:53
  Speaker 4: I picked that, and that doesn't mean it's the right
• 18:56
  Speaker 4: thing for you. So when you're looking into investment bonds.
• 18:59
  Speaker 4: There are lots of different, very reputable places that offer
• 19:03
  Speaker 4: them here in Australia.
• 19:04
  Speaker 9: Right.
• 19:05
  Speaker 2: I worked a couple of years.
• 19:06
  Speaker 4: Ago, now a year ago with Australian Unity, who are
• 19:10
  Speaker 4: most known for their superannuation. There is Gen Life, they
• 19:14
  Speaker 4: have a lot of investment bond products. They have a
• 19:17
  Speaker 4: child specific investment bond product. There's Centuria Capital, I DOUBLEF
• 19:23
  Speaker 4: you can even find some information on the ASX website
• 19:26
  Speaker 4: about it. I think it's all about finding a company
• 19:29
  Speaker 4: and then validating the information. So if you've never looked
• 19:34
  Speaker 4: into investment bonds, you're probably never going to have heard
• 19:37
  Speaker 4: of Generation Life, right, because they specialize in investment bonds.
• 19:42
  Speaker 4: So yeah, you might not have heard of the company,
• 19:44
  Speaker 4: but that doesn't mean they're not super legitimate. So I
• 19:47
  Speaker 4: think it's about then fact checking. You know, who's their CEO,
• 19:51
  Speaker 4: what happens, you know, how many customers do they have,
• 19:53
  Speaker 4: how long have they operated for? Like do you feel
• 19:55
  Speaker 4: comfortable with it? And I think for those of you
• 19:58
  Speaker 4: who haven't heard of anstment bond and investment bond is
• 20:03
  Speaker 4: a way that a lot of people, especially higher income earners,
• 20:07
  Speaker 4: find investing for kids quite attractive because an investment bond
• 20:13
  Speaker 4: is a tax paid investment, which means that the earnings
• 20:17
  Speaker 4: of that investment are actually taxed within the fund, so
• 20:22
  Speaker 4: they're not a part of your personal income tax and
• 20:25
  Speaker 4: you don't.
• 20:25
  Speaker 2: Have to pay it at your marginal tax.
• 20:27
  Speaker 4: Rate, which is very sexy, especially for those people who
• 20:30
  Speaker 4: earn those top brackets of marginal income. So does that
• 20:34
  Speaker 4: mean I can make a recommendation. Absolutely not. But I
• 20:37
  Speaker 4: think it's about doing your own research and starting to
• 20:40
  Speaker 4: look into options and like maybe make a spreadsheet right
• 20:44
  Speaker 4: down the ones that you're finding. But I'm not surprised
• 20:47
  Speaker 4: that you haven't heard of the companies that are offering
• 20:49
  Speaker 4: investment bonds because at the end of the day, a
• 20:52
  Speaker 4: lot of them, they're entire offering is bonds, So why
• 20:56
  Speaker 4: would you have engaged with that platform before.
• 20:59
  Speaker 2: So I'm not.
• 20:59
  Speaker 4: Surprised you've never heard of them, but if you started
• 21:02
  Speaker 4: to dig deeper. So for example, I'm just going to
• 21:05
  Speaker 4: ask you to have you heard of Generation Life before?
• 21:08
  Speaker 2: Literally?
• 21:08
  Speaker 1: Never?
• 21:08
  Speaker 8: Never?
• 21:09
  Speaker 3: Cool?
• 21:09
  Speaker 2: Have you heard of Grant Hackett before? Yes? Is that
• 21:12
  Speaker 2: a queer plus of some sort?
• 21:15
  Speaker 6: Yep?
• 21:15
  Speaker 2: Oh yeap, but you know the name right?
• 21:18
  Speaker 4: Yeah?
• 21:18
  Speaker 2: Cool? He's their ceosy. Yes, look at it.
• 21:22
  Speaker 4: So like the more you get into it, the more
• 21:24
  Speaker 4: you're going to learn about the platform and how that
• 21:28
  Speaker 4: works and go oh there are some names I understand.
• 21:31
  Speaker 4: So I think it's all about doing your research because
• 21:34
  Speaker 4: investment bonds they're not that talked about, but like they
• 21:36
  Speaker 4: are very.
• 21:37
  Speaker 5: Popular and if you do want to dive into the
• 21:39
  Speaker 5: archives a little bit like our listener, we'll pubblin in
• 21:41
  Speaker 5: the show notes to that episode on Investing VI Kids
• 21:43
  Speaker 5: where you chat about investment bonds.
• 21:45
  Speaker 4: At absolutely all, Right, let's move on because guys, obviously
• 21:50
  Speaker 4: we had a DM this week and I can't wait
• 21:52
  Speaker 4: to dive in and have a yap about it.
• 21:54
  Speaker 2: Are you ready?
• 21:55
  Speaker 7: Yes?
• 21:56
  Speaker 2: Okay, so this week we got a DM. Hey, she
• 21:59
  Speaker 2: is on the money.
• 22:00
  Speaker 4: I need your advice as I'm feeling stuck after a
• 22:02
  Speaker 4: tough year. I went through a promotion. I've been working
• 22:06
  Speaker 4: towards with extra hours and new responsibilities, and I've been
• 22:09
  Speaker 4: getting so much positive feedback, but i still didn't get it.
• 22:12
  Speaker 4: They gave it to someone else, and I'm left wondering
• 22:15
  Speaker 4: if I'm wasting my time. My husband says, the only
• 22:18
  Speaker 4: way to get ahead is to leave and start fresh
• 22:20
  Speaker 4: in the new year. But that idea feels overwhelming. I've
• 22:23
  Speaker 4: invested so much here and I'm scared leaving. We've been
• 22:27
  Speaker 4: throwing it all away. Maybe I'm holding myself back by
• 22:30
  Speaker 4: staying where I'm not valued. The new you feels like
• 22:33
  Speaker 4: a turning point, but I don't know which way to go.
• 22:37
  Speaker 2: What would you do?
• 22:39
  Speaker 6: This feels very similar to when I started working here.
• 22:42
  Speaker 7: Actually I was on reception and I really wanted to
• 22:45
  Speaker 7: get into.
• 22:45
  Speaker 6: Like the book at you working your way up thank You,
• 22:48
  Speaker 6: and I spent so much time. But you know, my
• 22:51
  Speaker 6: situation was different, I do want to say, because I
• 22:54
  Speaker 6: was at zero, like no quolls, no anything, and then
• 22:58
  Speaker 6: tried to work my way into video, which is very
• 23:00
  Speaker 6: you know, you would ideally have maybe a degree or something,
• 23:03
  Speaker 6: and so mine was different. But I remember going for
• 23:05
  Speaker 6: a few jobs and just I repeatedly got like really
• 23:09
  Speaker 6: good feedback and everyone was very impressed by like my
• 23:13
  Speaker 6: determination and all this kind of stuff. And I kept
• 23:16
  Speaker 6: getting really good feedback, but then not getting the job
• 23:18
  Speaker 6: and being like, I literally don't know what's happening. I'm
• 23:21
  Speaker 6: I'm about to walk out of here and just give
• 23:24
  Speaker 6: it all up. But I just you know, I think.
• 23:25
  Speaker 2: That she's a tenacious queen.
• 23:27
  Speaker 6: She's a tenacious queen.
• 23:28
  Speaker 7: Also, I was like, this really is it's who you know?
• 23:31
  Speaker 6: Because on my resume right now, no one else is
• 23:33
  Speaker 6: ever going to consider me for the same role.
• 23:36
  Speaker 4: Absolutely very sweet on freelance now too, sorry are you
• 23:39
  Speaker 4: not the video editor ones podcast?
• 23:42
  Speaker 1: I am?
• 23:43
  Speaker 5: Now?
• 23:43
  Speaker 6: I am?
• 23:43
  Speaker 2: Now I've really going to hire me? I'm sorry? Have
• 23:47
  Speaker 2: you not got a big job as well?
• 23:49
  Speaker 7: That's true, I should rephrase that.
• 23:50
  Speaker 6: I mean like at the time, I was more like
• 23:53
  Speaker 6: with my current you know, resume, and I was just like,
• 23:56
  Speaker 6: you know that that kind of thing isn't going to
• 23:58
  Speaker 6: be considered anywhere else. So for me, it was a
• 24:00
  Speaker 6: different I do want to say that also, I don't
• 24:02
  Speaker 6: know that this is necessary, but.
• 24:04
  Speaker 7: Getting ahead looks different for sometimes going to look different
• 24:07
  Speaker 7: for a man and a woman.
• 24:08
  Speaker 6: So I appreciate your husband's support, but it might look
• 24:11
  Speaker 6: a little bit different for you anyway. All I'm saying
• 24:15
  Speaker 6: is I would maybe talk to if it's possible, talk
• 24:18
  Speaker 6: to the person hiring or whoever you have a relationship
• 24:21
  Speaker 6: with there and express that you're probably going to It's
• 24:24
  Speaker 6: very normal to feel completely disenchanted by this point. And
• 24:27
  Speaker 6: be like, I actually just worn out now because I
• 24:30
  Speaker 6: keep getting told that I'm doing well why and my
• 24:33
  Speaker 6: not moving up? Maybe just like discussing that not in
• 24:36
  Speaker 6: like a way. It's like either give me a job
• 24:38
  Speaker 6: or I'm out of here, or give me a promotion
• 24:40
  Speaker 6: I'm or I'm out of here more. Just like I
• 24:42
  Speaker 6: think I have to cap myself at like I think
• 24:44
  Speaker 6: I'm going to give it six more months if nothing
• 24:46
  Speaker 6: really changes, unfortunately, I do have to like look elsewhere,
• 24:49
  Speaker 6: just kind of like I don't know, maybe if it's
• 24:50
  Speaker 6: a candid if you can have a candid chat with
• 24:53
  Speaker 6: someone about that, they might make them be like, oh crap,
• 24:56
  Speaker 6: we don't want to get rid of this person, and
• 24:57
  Speaker 6: we don't want to lose this person. But even for yourself,
• 25:00
  Speaker 6: maybe give yourself like a mental timeline and be like,
• 25:03
  Speaker 6: if by June next year nothing changes, or I'm not
• 25:06
  Speaker 6: even slightly closer, I'm gonna look elsewhere because I feel
• 25:11
  Speaker 6: like the experience someone else will sum there's someone out
• 25:14
  Speaker 6: there that's I I'll snap you up.
• 25:16
  Speaker 2: What do you reckon?
• 25:17
  Speaker 9: Jess?
• 25:18
  Speaker 5: I would seek feedback. I think, like to agree with
• 25:21
  Speaker 5: what you were saying back. I think it's really hard
• 25:23
  Speaker 5: when you're like, I feel like I'm doing all the
• 25:25
  Speaker 5: right things. I'm getting good feedback, I'm meeting my results,
• 25:28
  Speaker 5: I'm hitting my KPIs whatever that looks like for you.
• 25:30
  Speaker 5: I'm doing all the right things, but nothing is changing,
• 25:34
  Speaker 5: you know, And I can understand how for our listener
• 25:37
  Speaker 5: you would think, oh, but what else could I possibly do?
• 25:40
  Speaker 5: What else do you want from me? So I think
• 25:42
  Speaker 5: trying to get the feedback from whoever was hiring, or
• 25:45
  Speaker 5: from your manager, your head of department, whatever, and saying, hey, like,
• 25:49
  Speaker 5: what was the difference, like out of curiosity, like what
• 25:51
  Speaker 5: pushed this person over the edge versus me? Because obviously
• 25:54
  Speaker 5: it's hard outside looking in to know exactly what somebody
• 25:57
  Speaker 5: has going on, or what experience they've got or what
• 25:59
  Speaker 5: might have you know, maybe it's their personality, it could be,
• 26:02
  Speaker 5: as you were saying, in an element of who you know,
• 26:04
  Speaker 5: like it would be a miss to not acknowledge that that.
• 26:07
  Speaker 2: Is sometimes a factor.
• 26:09
  Speaker 5: So seeking feedback on what the difference is and saying, hey, like,
• 26:11
  Speaker 5: what do I need to do to get to xyzed?
• 26:13
  Speaker 5: I think setting like really measurable, attainable, actionable things for yourself.
• 26:18
  Speaker 5: With that being said, I kind of would echo what
• 26:21
  Speaker 5: your partner said, like, we've spoken about it before. You know,
• 26:23
  Speaker 5: it's people who change jobs every is it three years,
• 26:26
  Speaker 5: two to three years on average, earn more, receive more
• 26:30
  Speaker 5: promotions because they're moving outside of their bubble. And I
• 26:33
  Speaker 5: was walking to a friend about this recently. I think
• 26:35
  Speaker 5: that people, and I put myself very much in this bucket,
• 26:38
  Speaker 5: people who are risk adverse get in our own way.
• 26:43
  Speaker 5: I was reading a biography of a CEO and something
• 26:46
  Speaker 5: that I've seen in a lot of those you know, biographies,
• 26:49
  Speaker 5: in LinkedIn posts whatever, people reflecting on their experiences. It
• 26:53
  Speaker 5: seems to be that whether it's fate, whether it's luck,
• 26:56
  Speaker 5: whether it's just taking the chance, people who take risks
• 27:01
  Speaker 5: seem to go further. And that is maybe because they're
• 27:04
  Speaker 5: giving themselves the opportunity to do so. And as someone who,
• 27:06
  Speaker 5: as I said, is very risk adverse, I think we
• 27:10
  Speaker 5: have to acknowledge that in a sense, we took it
• 27:11
  Speaker 5: in our own way a little bit, and even our
• 27:13
  Speaker 5: listener was saying, oh, like, I don't want to throw
• 27:15
  Speaker 5: away the work that I've done. I don't want to
• 27:16
  Speaker 5: do these I don't want to do that. Whereas if
• 27:18
  Speaker 5: I think about the people that I know, like Vita,
• 27:21
  Speaker 5: you're a great example, like you'll just go, fine, we'll
• 27:23
  Speaker 5: figure it out, jump in feet first.
• 27:25
  Speaker 4: Oh yeah, I scare her on a face. Honestly, you
• 27:29
  Speaker 4: can tell. And it's like not even a bad thing.
• 27:32
  Speaker 4: You can just tell the difference in personalities, like we're
• 27:35
  Speaker 4: both definitely type A, but we are both like I'm
• 27:39
  Speaker 4: happy to do a risk it for the biscuits, all good,
• 27:42
  Speaker 4: and just as like what you're doing you, I'm always
• 27:45
  Speaker 4: like it, Yes, we'll just jump and then we'll work
• 27:47
  Speaker 4: out what we do next.
• 27:48
  Speaker 2: It's fine.
• 27:49
  Speaker 5: But it's it's people like you, and I know quite
• 27:51
  Speaker 5: a few people who have that same kind of attribute.
• 27:54
  Speaker 5: And it seems to me, just as an outsider looking in,
• 27:57
  Speaker 5: like sometimes you do just need to go. I'll figure
• 27:59
  Speaker 5: it out, like I'm just going to do it and
• 28:01
  Speaker 5: I'll figure it out. And I know that's easier said
• 28:03
  Speaker 5: than done, because me, it is easy.
• 28:04
  Speaker 2: I can't imagine. No, no, you can't be doing that.
• 28:08
  Speaker 2: But it's just it's fruit for thought. I suppose it
• 28:10
  Speaker 2: is what I would say, Yeah, one hundred percent.
• 28:11
  Speaker 4: I think when I look at this, like jumping a
• 28:16
  Speaker 4: little bit ahead, we asked the question would missing out
• 28:19
  Speaker 4: on a promotion, make you value your worth an eighty
• 28:23
  Speaker 4: two percent of you said yes, and that's obvious in
• 28:25
  Speaker 4: your DM. So you've said, yeah, like, I'm starting to
• 28:29
  Speaker 4: feel undervalued, and you know, obviously I don't know your
• 28:33
  Speaker 4: your situation. It could be super corporate, and yeah, maybe
• 28:35
  Speaker 4: you do feel undervalued, and I don't want to undermine
• 28:37
  Speaker 4: that at all. But I then look at it and say,
• 28:40
  Speaker 4: you know, let's say there was a role that both
• 28:42
  Speaker 4: you two wanted to go for, so Beg you're up
• 28:45
  Speaker 4: for it, and Jes you're up for it. Because I've
• 28:46
  Speaker 4: I've only got one role in my business.
• 28:49
  Speaker 2: That doesn't actually mean that I.
• 28:51
  Speaker 4: Undervalue both of you or undervalue the one that didn't
• 28:54
  Speaker 4: take that role. Like it can be really hard as
• 28:57
  Speaker 4: the hiring manager to go, okay, cool, like there's this
• 29:01
  Speaker 4: job going at this workplace. Say it's like, you know,
• 29:04
  Speaker 4: head honcho of X y Z, and Jess really wants it,
• 29:08
  Speaker 4: like she's been working in partnerships for ages and Beck
• 29:11
  Speaker 4: you've been working in video for ages and you both
• 29:13
  Speaker 4: want it, and you bring different skill sets to the table.
• 29:16
  Speaker 4: And sometimes it genuinely comes down to how you interviewed,
• 29:20
  Speaker 4: not necessarily the above and the beyond, like, and you
• 29:23
  Speaker 4: know what Jess has done in her role and off,
• 29:25
  Speaker 4: she's been here longer than you, Beck, so she should
• 29:27
  Speaker 4: get like, it's not about that. Sometimes it's literally, Okay,
• 29:30
  Speaker 4: we're going to do a interview.
• 29:33
  Speaker 2: Jess, you're going to interview for it. Beck, you're going
• 29:35
  Speaker 2: to interview for it.
• 29:36
  Speaker 4: And maybe one of you just performed better in that interview.
• 29:39
  Speaker 4: It doesn't mean that your employer doesn't value you. I
• 29:42
  Speaker 4: think that it makes me a bit sad to think
• 29:46
  Speaker 4: that because of the outcome, you see yourself as less
• 29:49
  Speaker 4: or that somebody else might see you as less, And
• 29:52
  Speaker 4: that's not the case at all, because, like I can
• 29:54
  Speaker 4: almost guarantee your situation, Beck, the jobs that you weren't getting,
• 29:57
  Speaker 4: Like if you had asked for feedback and said, hey,
• 30:00
  Speaker 4: i'd love some feedback about why this person got it,
• 30:03
  Speaker 4: they would have been able to put some real tangible
• 30:05
  Speaker 4: things on the table that you could have then worked towards.
• 30:09
  Speaker 4: So it could have been, oh, well, actually i'm sorry
• 30:11
  Speaker 4: you didn't get the video producer rollback because actually we
• 30:14
  Speaker 4: had somebody who had a seasoned career in video production
• 30:18
  Speaker 4: and had done a B C DNE and you're a
• 30:21
  Speaker 4: fantastic human being. We don't undervalue you, but you wouldn't
• 30:25
  Speaker 4: be able to bring those things to that job. And
• 30:28
  Speaker 4: so in this particular occasion when we were comparing apples
• 30:31
  Speaker 4: with apples for the job, that square fit better in
• 30:34
  Speaker 4: that square peg hole than your round peg. And sometimes
• 30:38
  Speaker 4: it's just not the right time, it's not the right fit.
• 30:41
  Speaker 4: And it really, I know, probably is just me being
• 30:43
  Speaker 4: like we deserve better, like we should value ourselves. I
• 30:46
  Speaker 4: don't think that your value is diminished because you didn't
• 30:48
  Speaker 4: get a job.
• 30:49
  Speaker 2: I think we need to reframe it.
• 30:50
  Speaker 4: Do what you said, let's ask for some feedback, Like
• 30:53
  Speaker 4: I want some tangible feedback as to why I didn't
• 30:55
  Speaker 4: get it. I'm not salty about this, but I want
• 30:58
  Speaker 4: to know so that I can do better, or I
• 31:00
  Speaker 4: can go and study, or I can, you know, take
• 31:02
  Speaker 4: on some more responsibilities that work, so next time I
• 31:04
  Speaker 4: go for the job, I am the perfect candidate. I
• 31:07
  Speaker 4: also just think we should be backing ourselves. Do you
• 31:10
  Speaker 4: know how hard it is to put your hand up
• 31:11
  Speaker 4: for a promotion, be like, hey, I'd really like to
• 31:14
  Speaker 4: be considered for X, y Z. Like you've gotten out
• 31:17
  Speaker 4: of that experience, some more experience you've got, you know,
• 31:20
  Speaker 4: the ability to interview more confidently next time. You've already
• 31:24
  Speaker 4: shown to your leaders that you are you willing to
• 31:27
  Speaker 4: put yourself out there. Not many people do that, and
• 31:30
  Speaker 4: I think that we just you're not giving yourself enough credit.
• 31:33
  Speaker 4: But then obviously there's that overlay that you're talking about, Jess,
• 31:36
  Speaker 4: where you know, sometimes you do have to leave your
• 31:38
  Speaker 4: bubble to make it bigger. But I also just really
• 31:43
  Speaker 4: want to reiterate that sometimes the bubble's not undervaluing you,
• 31:46
  Speaker 4: you're just in the wrong space for what you're trying
• 31:49
  Speaker 4: to achieve.
• 31:51
  Speaker 5: Very good point, but if you are like if you
• 31:53
  Speaker 5: have applied for a lot of I think they were
• 31:54
  Speaker 5: saying they've applied for a lot of promotions, and you know,
• 31:57
  Speaker 5: if you are feeling that way, I think also you know,
• 32:00
  Speaker 5: once you know what you need to do, you can
• 32:02
  Speaker 5: decide whether or not that's right for you. And if
• 32:04
  Speaker 5: it's not, like maybe you can go and find somewhere.
• 32:07
  Speaker 4: And like, I don't want to say this to both
• 32:10
  Speaker 4: of you right now, but like, what's the harm in
• 32:13
  Speaker 4: having a conversation with a recruiter?
• 32:15
  Speaker 2: Where's the harm?
• 32:16
  Speaker 6: Like totally I don't know, Like, yeah, you know.
• 32:19
  Speaker 4: If you're not super happy, go fishing, that's fine.
• 32:26
  Speaker 6: Home, keep your eyes, have a little brows on seek
• 32:30
  Speaker 6: like there's no harm in just like having.
• 32:32
  Speaker 2: Have a little peak.
• 32:33
  Speaker 4: But what you're saying is you haven't given me enough context.
• 32:37
  Speaker 4: So I'm assuming you don't have that answer because you
• 32:39
  Speaker 4: said they gave it to someone else, And now I'm
• 32:41
  Speaker 4: now wondering if I.
• 32:42
  Speaker 2: Wasted my time.
• 32:43
  Speaker 4: You would not be saying you wasted your time if
• 32:46
  Speaker 4: someone turned around and said, oh my god, did you
• 32:48
  Speaker 4: know that Jess actually has been doing partnerships for three
• 32:51
  Speaker 4: years and like she can bring x y z ah,
• 32:54
  Speaker 4: I didn't waste my time at all, Like, I'm just
• 32:57
  Speaker 4: really glad Jess got that opportunity or vice versa. Like
• 32:59
  Speaker 4: if went for a video production role and you got it,
• 33:02
  Speaker 4: she'd be like, but I'm really passionate about it. I'd
• 33:04
  Speaker 4: be like, but did you know Beck's been doing xbos?
• 33:06
  Speaker 4: Like you just don't know what you don't know?
• 33:08
  Speaker 6: And also, no experience is a waste of time. Arguably
• 33:11
  Speaker 6: exactly theory, but that's a story for another time.
• 33:15
  Speaker 2: You never wasting your time when everyone else say so.
• 33:17
  Speaker 4: Back to the question, Yeah, we did ask our community
• 33:19
  Speaker 4: a few questions. I read out this one before. Would
• 33:21
  Speaker 4: missing out on a promotion make you value worth?
• 33:23
  Speaker 2: Eighty two percent of you said yes, I get that.
• 33:26
  Speaker 4: Eighteen percent of you said nope, one promotion doesn't define me.
• 33:30
  Speaker 2: That's the energy we want to bring into next year.
• 33:33
  Speaker 2: We then asked the.
• 33:34
  Speaker 4: Question what is more important to you? Forty nine percent
• 33:38
  Speaker 4: of you said stability, security matters more, and fifty one
• 33:42
  Speaker 4: percent of you said, my career growth.
• 33:43
  Speaker 2: The risk is worth it.
• 33:45
  Speaker 4: Yeah, even split some of you address some of you
• 33:48
  Speaker 4: are victoria. We then said, all right, we're gonna need
• 33:52
  Speaker 4: your two cents. What does that look like? And we
• 33:56
  Speaker 4: had a lot of colorful conversation. So someone said, I
• 34:00
  Speaker 4: missed out on a promotion recently too. I didn't interview
• 34:03
  Speaker 4: well on the day it happens.
• 34:05
  Speaker 2: Yeah, it's true.
• 34:06
  Speaker 4: Someone else said, maybe the other person was just better.
• 34:09
  Speaker 4: It doesn't mean you weren't good.
• 34:11
  Speaker 2: Just keep going. Yeah.
• 34:13
  Speaker 4: Another person said, company loyalty is not rewarded for career
• 34:18
  Speaker 4: growth and better pay. Change your job often, that's what
• 34:21
  Speaker 4: the stats say. Someone else said, what's more important? Neither
• 34:25
  Speaker 4: of those options? Flexibility, job satisfaction.
• 34:27
  Speaker 2: And work life balance. I like that.
• 34:29
  Speaker 4: Yes, another person said, I think it's important to ask
• 34:32
  Speaker 4: for feedback before spiraling into why not me and I'm
• 34:35
  Speaker 4: not valued fair? Yeah, that's where I'm sitting. Someone else said,
• 34:39
  Speaker 4: speak to your superiors about how you're feeling right now.
• 34:42
  Speaker 4: And someone else said, I'm actually in this spot right now,
• 34:45
  Speaker 4: and sadly, I'm probably going to choose the stability right
• 34:48
  Speaker 4: now because my mortgage is expensive and cost of living.
• 34:51
  Speaker 2: That's totally valid.
• 34:53
  Speaker 4: Yeah, someone else said, they're on your page, Beck, They
• 34:56
  Speaker 4: said the sunk cost fallacy effect. Think about what they've
• 34:59
  Speaker 4: given you versus your output.
• 35:01
  Speaker 2: Maybe it's time to go. Ah, well I was.
• 35:04
  Speaker 4: I was saying this on a podcast the other a
• 35:07
  Speaker 4: little while ago. Actually, I shared a quote that I
• 35:09
  Speaker 4: believe my dad told me. He said that if you
• 35:11
  Speaker 4: don't get off the train soon, the return ticket's going
• 35:14
  Speaker 4: to cost you a lot more.
• 35:16
  Speaker 7: Oh that is a great.
• 35:18
  Speaker 4: And I was like, oh, it's true, Like, yeah, I
• 35:21
  Speaker 4: might have already paid for the train ticket, but like
• 35:23
  Speaker 4: it's the wrong train, So if I don't get off now.
• 35:25
  Speaker 2: Can take you on going to get that, it's going
• 35:27
  Speaker 2: to take me longer. It's going to be more expensive
• 35:29
  Speaker 2: to get back. Like I like that. Yeah, I like
• 35:32
  Speaker 2: isn't it cute? Yeah, Eric strapping the truth Bob exactly.
• 35:36
  Speaker 4: Someone else said same situation four weeks later, though new
• 35:40
  Speaker 4: job closer.
• 35:41
  Speaker 2: Fancy a title forty grand more. Take the risks great,
• 35:46
  Speaker 2: So I'll leave it there. I won't read out anymore.
• 35:48
  Speaker 2: I feel like that's a good place to leave it.
• 35:50
  Speaker 7: Yeah, that's great.
• 35:51
  Speaker 2: Should we get into the blue?
• 35:53
  Speaker 9: Oh?
• 35:54
  Speaker 2: I cannot scate. I cannot waste scared. I was scared embarrassing.
• 36:01
  Speaker 5: You a lot of stuff Like you guys hear such
• 36:03
  Speaker 5: a polished, lovely episode because our incredible team make it so.
• 36:07
  Speaker 4: But oh my god, we are unhinged and probably shouldn't
• 36:13
  Speaker 4: be on the airwaves sometimes abstely.
• 36:16
  Speaker 2: That roll the tape.
• 36:21
  Speaker 9: Well, it's been another great year if she's on the
• 36:23
  Speaker 9: money for twenty twenty four. And trust me when I
• 36:26
  Speaker 9: say that, as always, things were a lot more chaotic
• 36:29
  Speaker 9: behind the scenes.
• 36:31
  Speaker 5: This did my eyes like get stuck together because I
• 36:35
  Speaker 5: got that out.
• 36:36
  Speaker 2: That was not good content.
• 36:37
  Speaker 9: Besides the chaos, you'll be happy to hear that not
• 36:39
  Speaker 9: a lot has changed. Victoria still has a favorite time
• 36:42
  Speaker 9: of the day.
• 36:43
  Speaker 2: She could have got more, but at the end of
• 36:45
  Speaker 2: the day, at the end of the day.
• 36:46
  Speaker 4: You know what, it is subjective, but at the end
• 36:48
  Speaker 4: of the day, I just think everything you do is
• 36:49
  Speaker 4: good because even if at the end of the day,
• 36:52
  Speaker 4: the end of the day they're is service.
• 36:54
  Speaker 9: Jess is still so sure of civil rights that she'd
• 36:56
  Speaker 9: make a great private detective. And we discovered this when
• 36:59
  Speaker 9: she was looking through photos on her phone for the
• 37:02
  Speaker 9: next money Winner of the Week.
• 37:03
  Speaker 2: Thank you that that's a photo of a truck that
• 37:06
  Speaker 2: was taila he had no breaklat.
• 37:12
  Speaker 9: Beck still thinks that the microphones can't hear her if
• 37:14
  Speaker 9: she whispers, what.
• 37:16
  Speaker 2: If you got better whispering in case anybody?
• 37:23
  Speaker 9: And Lucy is still wandering the halls of the building
• 37:26
  Speaker 9: while the girls record.
• 37:28
  Speaker 5: Like all those kinds of things impact your credit squols,
• 37:30
  Speaker 5: door opening or am I am I having a stroke?
• 37:33
  Speaker 5: Did that? I'm wearing my contacts, so I'm like, I
• 37:37
  Speaker 5: can't tell if it's like it was Lucy.
• 37:44
  Speaker 9: But there have been some changes too. Beck has started
• 37:48
  Speaker 9: to think everyone is psychic and knows what she's trying
• 37:50
  Speaker 9: to say.
• 37:51
  Speaker 7: So I went through and I had what's a word?
• 37:54
  Speaker 6: What's the word?
• 37:54
  Speaker 2: I don't know. You're telling your story, not me, babycakes.
• 37:58
  Speaker 7: You know, there's so many like reads that are.
• 38:00
  Speaker 10: Like no, it's Jess may have a secret identity homereak, which.
• 38:17
  Speaker 9: You are, and Victoria's mumbrain is keeping us in overdrive
• 38:23
  Speaker 9: to ensure nothing dirty ends up on the show.
• 38:25
  Speaker 4: Maybe Jess needs a job and she's on the money
• 38:27
  Speaker 4: and it could be V in two j's.
• 38:33
  Speaker 2: Your face? Just why was that funny?
• 38:36
  Speaker 3: It's loadly.
• 38:40
  Speaker 9: Jess is also doing that. She just doesn't have an excuse.
• 38:43
  Speaker 5: I switched to amaze him after being loyal to a
• 38:45
  Speaker 5: big tail.
• 38:46
  Speaker 2: Come sorry.
• 38:49
  Speaker 9: Overall, it's been a great year for She's on the money,
• 38:52
  Speaker 9: or as V would call it.
• 38:53
  Speaker 2: Hi, she's on the funny.
• 39:02
  Speaker 7: Oh my god, that's really actually crying.
• 39:06
  Speaker 4: I am actually low key disappointed that Sam didn't pull
• 39:10
  Speaker 4: together more of your private detective work.
• 39:12
  Speaker 2: You are always talking. It's been a good year, guys.
• 39:16
  Speaker 2: It has been a good year.
• 39:18
  Speaker 7: Yeah, it's been really fun. I love you guys.
• 39:22
  Speaker 2: I love doing this. It is so fun, even if
• 39:25
  Speaker 2: we sometimes don't have the words or the brains. Apparently,
• 39:30
  Speaker 2: according to.
• 39:31
  Speaker 7: Me, nothing funny than when someone miss mess the word.
• 39:34
  Speaker 7: Usually it's yes, I want to say. Usually it's yes, yes,
• 39:41
  Speaker 7: here is the kettle black. That's very true.
• 39:47
  Speaker 2: You haven't stopped whispering into my corn that no one
• 39:49
  Speaker 2: knows what.
• 39:52
  Speaker 9: Yes.
• 39:52
  Speaker 6: On that note, let's go for a fantastic year, guys.
• 39:55
  Speaker 2: It's been a time. See next year, guys. Bye bye.
• 40:06
  Speaker 4: The advice shared on She's on the Money is general
• 40:08
  Speaker 4: in nature and does not consider your individual circumstances. She's
• 40:12
  Speaker 4: on the Money exists purely for educational purposes and should
• 40:16
  Speaker 4: not be relied upon to make an investment or financial decision.
• 40:19
  Speaker 4: If you do choose to buy a financial product, read
• 40:22
  Speaker 4: the PDS TMD and obtain appropriate financial advice.
• 40:25
  Speaker 2: Tailored towards your needs.
• 40:27
  Speaker 4: Victoria Divine and She's on the Money are authorized representatives
• 40:31
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• 40:35
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• 40:39
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