Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr the Order Kerni Whoalbury and a waddery woman. And before we get started on She's on the Money podcast, I would like to acknowledge the traditional custodians of the land of which this podcast is recorded on a wondery country, acknowledging the elders, the ancestors and the next generation coming through.
As this podcast is about connecting, empowering, knowledge sharing and the storytelling of you to make a difference for today and lasting impact for tomorrow.
Let's get into it.
She's on the Money, She's on the Money.
Hello and welcome to She's on the Money, the podcast for millennials who want financial freedom. Today is Friday, my Friends, which means it is time to sit back with the girls and a bev in hand, to unpack our favorite moments of the week and of course, to celebrate you
how incredible She's on the Money community. As always, we're going to be sharing our favorite money wins, We're going to discuss what's making news in the finance world, and this week we're going to be helping to answer do you see money question about property with a partner, so stick around for that. But first it is time, as always to recap the week that was. Miss Jessic Gariachi tell us what happened on our Monday's Money Dary episode.
This week's Diris was someone who self proclaimed herself as an elder millennial.
I'm not calling her old.
That's what she said themselves, an elder millennial, Like just don't it, you're a millennial, yea to stop end her story.
We're the old people on TikTok and that's okay.
We know our place. It's to be pests.
She grew up with a lot of stress in her life when it came to money. You know, she said she made poor career choices or choices she wasn't happy with her parents and grandparents made choices that you know, maybe didn't put them in the best possible position. And her whole life she kind of had this understanding of that's just how it was like you kind of you get by and that's.
As good as it gets.
But in the last five or six years, she has moved countries seven times. She's lived seven was wild. Yeah, she's lived all over the world. She's been making decisions that really aim at furthering her career, increasing her income,
setting herself up financially. She had six figures now, and she said that she wanted to share her story for anyone who you know, was in a similar position to her when she was growing up, and to tell them that you can change your money, so you can change your journey and you can set yourself up for success, which I thought was awesome because absolutely there's, you know, a level of privilege in everyone's life, and the circumstances that your adult are a challenge, and some people adult
are better hand than others. But it was very inspirational to hear her say, oh my gosh, like it was really tough, and I was surrounded by people who were making decisions that maybe weren't the best. But I worked really hard and I educated myself and I'm where on changing that for me, going for it.
I feel like that would be a really good episode to listen to for people, people who might even be afraid of listening to our podcast, who might think money is a really anxiety inducing topic. To know that you can change your circumstance. Absolutely, you can put the work in, it's not going to happen overnight, but over the long term you can really make changes.
So I think it's really empowering. I mean, not to take it this way, because obviously that's really impactful, but Jess, as you know, I have been watching The Real Housewives of bevly He recently, which is solid content for those of you playing along at home. The drama. It wouldn't fly in twenty twenty two. There is no way that stuff would make it to air without them being completely canceled,
which is why I'm totally here for it. But to wrap back to my actual point, one of them said the other day on the show, They're like, oh, didn't you grow up and be taught that talking about money is disgusting and vulgar and all of this, And I was just like, sis, we need to talk Like I literally was looking at it, going that's such a toxic mentality. And it's been a really long time since I've been
faced with that kind of opinion. And I mean, it wasn't directed at me, but seeing someone be like, it's actually disgusting, Like you shouldn't do that, Like you shouldn't talk about money or how much you pay for anything, or and I was just like, hold up, like that's something that is now empowering women and putting them in the best possible position to get paid what they're worth and do what they need to. And I just feel like the idea that talking about money is gross just
it really irked me. And I was just like, our money diaries exist purely for you guys to know what other people go through and how that works. And look how much we've learned over the last few years of sharing money diaries. And I think we've all learned over you know, the last three years of she'ese on the money, that talking about money doesn't mean I go, hey, just how much do you earn? Like we can have wholesome, really productive conversations about money without talking personally about what
you earn. I mean, I'm all for sharing that and talking about that because that puts us on a better, more equal playing field. But man, I was really taken aback by that, And so then looking at this money, it's just so cool that she's rejigging her financial circumstances and putting herself in the driver's seat, which I think is something that should be extended to everybody one hundred percent.
And like that's why We love having such diverse stories. This was an international story as well, which was so cool. It blows my mind that we have people living internationally and if you live in another country, let us know, because that we always get such a kick out of hearing where you're listening from. It also was a very interesting look into a world that's very different from our own because she shared about her parents who are living in Venezuela, and for those who don't know, I really
didn't know a lot about it. The economic and civil climate over there is really at a boiling point and it's a really tough place to be living, and she was assisting them financially, and it was a good reminder that there's a much bigger world out.
There than talking about rent and eggs cost and whether we can save up for a home to polit It's so wild, isn't it.
It absolutely is.
And she was so candid in sharing her backstory, her parents' backstory. I was really really grateful for it.
Wednesday was a good deep dive, Miss Georgia King. Were you allowed back on the podcast?
I was allowed back on.
You are so lucky, I know.
And this week we spoke all about passive versus active investing lady, what a dream.
I think I'm the only one who really enjoyed that episode. But that is okay.
I learned some things.
Do you want to hear? I want to know what you learned.
An active investor tries to beat the market, whereas a passive investor tracks a market index. So we spoke about the pros and cons of each. You'll be able to figure out what type of investor you are. It's it's a lot of fun.
You know.
In Dolly Doctor, they used to have the quiz like this or you're that?
Like which one direction member are you?
Yeah?
Not even in Dolly Doctor. It was just in Dolly like the Dolly Doctor ones will always way more perfuse which Luba are you? I don't know. That's all I could think of. I'm sorry, but we should bring those back and make like investing risk profiles sexier, like which one direction are you? And then we should allocate different risk profiles to each of them. Are you, Harry? I don't know.
You sucks to be a Liam Paid.
I'm kidding, great guy, by all reports, Just Georgia King. Let's move away because we've spoken about Liam payin Harry and lube. We are going to go into our budget directed money wins of the week. What have you got to bring to the table?
Do it?
The first win comes from gri Money Win. I received a check from A and Z for a closed credit card I had overpaid on at the time of closing. I overpaid a dollar thirty nine and because of the interest A gained over the years, I got a check for fifty two dollars.
Oh money Wi.
I said, I feel like she gained the system. Also very interested that you just said A and Z.
Oh my god.
I thought about letting it flies and I was like, noah, God, you never know what's going to come out of your mouth. All these things.
Okay, So I used to get in so much trouble growing up. Eric Devine, if you are listening, I am still salty about this. But he'd be like, Z is the American way of saying things. You need to say Z. That is Australian and British, and we use British English in this house. And I'd be like, okay, so everybody else is doing their avcs and I'm like X Y Z, and my dad would be like hitting the roof. He's like, it's X Y Z and be like that just doesn't flow.
The flow is not there, so you're messing with the juju in this room by saying that.
Georgia, where I stand by A and C. Let's move on to Sarah's money. When I recently visited a new dentist clinic near the city and they found five fillings that are due for replacing, the quote was horrendous. I went to see my local regular dentist and their quote was seven hundred dollars less. So that's where I'll be going for my next appointment.
You just message her for the deets. Yeah, exactly, Sarah.
I'll be in touch. But do you guys go to the dentist, because I don't.
We do.
Actually just might have the same dentist to Farty at the Richmond Dentist and achreas an actual legend. But yeah, no, it is expensive. But dental work across the board I think is expensive. And I feel like we're lucky in Australia because in America it's actually cooked. But like to me, teeth are really important, So a good dentist is.
Want it worth the money to be. I didn't go to them just four decades.
Because I was so anxious about put that on the pod.
Yeah, people, I think I'm gross, but yeah, like finding someone where you feel comfy, I would, And this is a really good example of values based spending. Our dentist is a little pricier, but I've never felt more comfortable, and they're so good about taking me through and making me feel good that I'm like, you know what, that's worth a bit more money to.
Take some convincing as well. I was like, no justice, I promise, just kept thinking, like I really need to go, and I literally got to the point where I was like, do you need me to come? Like I will hold
your head. And then she went and I think you called me on the way home and you were like they're so nice, like it was fun, They're going to do this, and now just like getting in disil line and going the whole hole, I'm like, wow, from just wanting to check up to doing a full invisil line journey, I think in visil line sponsorship because that stuff is real spinner if you want to look about if money losses.
I feel like there's a note on my file that literally says she is petrified handle with care.
When she comes in all right, what else have you got?
The next one comes from Brianna. Guys, it is a money loss. Taylor Swift announced her new album and Life When that.
Is an investment, I'm sorry, what do you mean?
She said she had to pre order the vinyl and the CD.
So yeah, on the same day as the Arctic Monkeys album. Stop it, don't call me, don't talk to me. My calendar says, do not disturb.
What She's actually not joking, like, I wor yes, my god all day the first half of the day. Arctic Monkeys, Yeah, And I'm just like you, what's like? That's self care? Baby? Yeah. But in my head, I was like, Oh, she's going to these concerts. No, she's not. She's at home.
I'm listening and I'm crying and I'm feeling the feelings.
I hope, I hope they're both amazing for you.
Don't we approve You'll leave in this office for literally anything. It's all good.
The next comes from Georgie money Win. I started collecting containers for return collection two months ago and I did my first drop off today. That's an extra twenty dollars in my savings. Plus I'm helping the environment every little bit helps hos love this. The next wind comes from Bella money win. I've been dying to couch upgrade for months,
but I wasn't financially ready to do so. I happened to be on good karma at the right time and someone was trying to sell a seven thousand dollar couch but they were sick, no shows and time wasters, so I got it for free.
What this is a very hot deal.
That's a hot deal.
Seven thousand dollars.
Seven thousand dollars couch, all right, But let's flip this. Imagine making the circumstance where you're the owner of a seven thousand dollar couch and you're like whatever, I'm in a financial position where if someone can just come get it.
Think they must have good tree by a lot of people to get Yeah.
Well, I'm seven thousand dollars down the train.
Please DMS pictures of the couch on me to see yes, please please.
The next wind comes from Emma Kate money win. I got a ten percent pay rise at the job. I've only been out for six months. Money not bad. And the last one for the day comes from Ainsley. It is the ultimate money win, she writes today I received a verbal offer for a role in another state that pays thirty three thousand dollars more than.
My current role.
Oh what alleg you.
I'm still in shock. But now it's time to plan the big solo move.
Oh my gosh, I want to know what she's doing. You guys need to give me way more info on these money wins, Like I want your life story, you know how some people like get to the point. I'm like, no, no, no, I want to know where you grew up and what your dog's name was, and then what was your money winn? Again?
Oh that's it for the week.
That's it for that week. Oh my gosh, Well, Georgia King, it has been a fantastic celebrating some of your budget direct money wins. Budget Direct winner of Canstares Insurer of the Year Award twenty twenty two. Budget Direct Insurance Solved. Let's go to a really quick break and after that we are going to answer some spicy questions about sharing property potentially with your partner. Don't go anywhere, all.
Right, guys, today I have some local news Victorian news. Apologies for our friends in other states, but it does come into a broader conversation, so please don't turn off. I wanted to talk about this announcement that came out from a Victorian government all about covering hex step, which is really exciting, and so we've spoken about many many times on the podcast.
With my six figures of hex step, my ears pricked straight up.
Yeah, and unfortunately not for you. No, but we know that there's a real skills shortage in the health care sector. Our our care workers have been absolutely slammed through COVID. People are exiting that industry at incredibly high rates, understandably, so I think to kind of encourage people to get
back in to get new blood. The Victorian government has announced that they will be covering the full cost of Hextet for more than ten thousand students who are studying nursing or midwifree undergraduate degrees, which ten that's a lot of hextet to be paid ten thousand. If you think about what the average HEXTET is maybe ten grand a year.
Yeah, yeah, call it.
Call it like Ballpark's thirty grand times ten thousand.
You've lost me.
That's too many zeries for my head. I can't do it. But that's a lot of money and they're obviously aiming at getting that sector back up, aiming at getting us, you know, the infrastructure all set up so that, Heaven's forbid, if anything were to happen again, we're a little bit more prepared, if you will.
I just googled it. Guys, an average undergraduate degree in nursing here in Australia will cost you anywhere between twenty and thirty five thousand dollars. Yeah, total, Like, that's lots.
It's lots of money, and I think it's really great that they're prioritizing that. But it's opened up the conversation and this is kind of where it gets broader, bringing in our interstate friends back into the fold. I've seen a lot of discourse from people saying, well, I'm halfway through my nursing degree, why isn't my thing being And firstly,
I get it. You know, it's like when you buy a bag and then two days later the bag goes on sale and you go, well, I've missed out, and you know, in that instance, I would take the bag back and be like, can I get the discount?
And maybe I would.
Can't really do that with your degree, though, And so a lot of people have been kind of a little bit upset, a little bit offended because they have done nursing previously or they've just started, and for whatever reason, the scheme isn't going to cover them. And I don't even know if ten thousand would cover every single student, let's say next year.
I'm sure that there probably will be people who miss out.
And I wanted to talk to you and get your thoughts on it, because I guess it's that concept of if someone else receives something that you don't, the impact that that has on you and how you feel. And we saw this mirroad in the US when they forgave student loans or announced that they would be for giving student loans because a lot of people said, well, I paid for my university degree and why should your loans be forgiven?
And might not?
And I get it, like I get that it's kind of crappy to see someone get a financial windfall, you know, for someone like UbD, like you've got six figure of texter and that's kind of sucky. But should we be kind of looking at this and going, you know what, Sunnyside up ten thousand more nurses in an industry that is so important to us, and that we're so lucky to have really great healthcare systems? Is that a good thing?
How do we deal with those feelings? Because I would say it's understandable if you are feeling a bit pissed off, but like, how do we process those in a positive way?
I have three opinions to share. That's a lot of a play. Yeah, three three three only probably more, Let's be honest, because once I get on the roll, I'll be like, oh, and and first, why is it new people signing up? Why isn't it the next ten thousand people to graduate having their HEX step wiped? Why isn't it that? Because I just don't understand why. I'd be like, oh, gee, it's free, go sign up for it, and then you
finish half the degree. Go finish the degree, put it all on your HEX and once you graduate, you submit the form and you get it all wiped. To me, that makes more sense because you're a legit nurse. You would have gone through placement and actually gone through all of it. I know that that's probably going to be controversial because you're like, why would you want people who
are dropping out having to pay for it? And that would then go back to me, being like your values, you need to actually know what you want to do. And I genuinely believe in having gap years and not going into a degree that you're not one hundred percent certain on yet. But I would think it should be the next ten thousand people going through, not the next ten thousand people who sign up, because you're right, Jes, people are already doing nursing that could benefit them now. Second,
pay nurses and literally all hospital staff better. Like, why are we forgiving hex step when you could allocate that towards paying our nurses and our frontline worker is more money? Why are we not talking about reallocating tax dollars to paying people for looking after us?
What is the answer to that? Being?
Wow?
Why why are they chosen this stance.
Because it's the cheaper option. Education in Australia used to be free, Like I could not be in any debt. I'm grateful to be in hex Step because I genuinely feel like it puts me in a better position and it puts me ahead, and I have chosen to do that. But that's a privilege that is not extended to absolutely everybody in our community. And I think that the ballpark would change if universities weren't something that we had to pay for. There are lots of places around the world
that do free education. Obviously America is not one of them. That's really hard, but I just think there are so many things that we could do. Ten thousand nurses like, okay, I bloody love nurses. You guys do so many beautiful things. You are a better human than I ever will be because I cannot do that job, like it would exhaust me. But I just think that they should be paid better, and that's the priority from my perspective, not you know, forgiving a hex step so that they can go and
get paid, not enough to get a mortgage. It's just not fair.
Tell us more about this. Just when's it coming into play?
What's the deal?
Just tell us more so.
Under the current plan, all new domestic students that enroll in nursing all midway three in twenty twenty three and twenty twenty four will receive a scholarship up to sixteen thousand, five hundred dollars to cover course costs. Students will get nine thousand dollars over the duration of their course, and then the remaining seven thousand, five hundred will be paid if they work in the public health service for two years. They're incentivizing people to start.
Actually stay okay, I like that. Maybe you shouldn't have let me have an opinion so early on.
They also have offered assistance to people studying post grad studies in these areas, so intensive care, pediatrics, nurse practitioner specialties, and things like that. They will be giving out ten thousand dollars scholarships and eleven thousand dollars scholarships will be available for enrolled nurses to become registered nurses. So it
covers off on a few different things. There's a few I guess working parts there, but I think overall it's great to see in supporting I think you're totally right that perhaps it would have been even better to see, you know, the award lifted across the board so that everybody could benefit. But I is something better than nothing in this situation. I guess it's the question.
I think that's really true.
Just it's nice, like, obviously we're going to nitpick, and it's our role to do so we're a finance podcast, but it is nice to celebrate the small wins like this is huge for me. I would ask the question of, like, where do you draw the line in terms of I'm sure there's people listening that are in other industries that are feeling like, well, why do I have a fifty grand it for not doing that degree? And also will it encourage people that aren't the right people for that industry.
To pursue that industry because of.
Because it's more more respect affordable option. Correct, So what do you guys make of that? Because nurses are like the most special people that there are, and if people are allured to it for the financial gains, is that necessarily the right thing.
I'd be interested to see what happens. And I guess maybe this is where you get that upfront and then that secondary coverage, because nursing, I would imagine, is a very intensive course, Like I don't think if you're not cut out for it, I think would be quite hard to make it through that course because there's so much
practical experience required before you go into the field. So you would hope that that would kind of weed you know, anyone maybe who wasn't ideal out, But then I don't know how that works because obviously there's not a great return on the government's investment if people are, you know, leaving the course and not becoming nurses. So I don't really know how that would work. I guess the point you made about people in other industries because there are
absolutely other industries that work incredibly hard and providing credible value. Yeah, and that's kind of like the thing that I was touching on before is it is really sucky, And I guess it's I want to say, it's okay to feel like it's sucky and to be a bit sad and to be a bit annoyed, but also trying to remember that this outcome is aimed at improving the lives of everyone. It's aimed at stabilizing our healthcare system, which at some point all of us will need to rely on, and
that's a good thing. But also like I get it, like I get that it's shitty because everyone would like a free education, right.
I agree, But maybe again controversial opinion. I think that, you know, if I was Prime Minister, I think all frontline workers should get free education. Like you guys are coming in contact with the public to put our community in a safer, better position. Like I just think that, you know, I have been so lucky to be able to study finance and go do a business degree. But that's me pursuing my passion that you know is arguably a bit self serving. Like it is me going I'm
passionate about this, I'm going to follow that. If you're a nurse, if you're a doctor, if you're a PSA, if you're an early childhood educator, like you are thinking about the needs of other people to begin with, you are doing your job for the greater good of the community. And I think it puts our country and our community
in an even better position. Like people go into the police force and they're firefighters and their ambos and their nurses and their PSAs and their childcare workers, and I just think that that type of career decision should be rewarded because it benefits our society as a whole. It's not something that, you know, again, very self serving. But I did my degrees because I was following my passions. I obviously want to have an impact, and like that's
what drives me. I'm so wildly passionate about putting women in a better position. But I would argue I'm not a frontline healthcare worker, and Jess, you and I have had this conversation before where we're like, we're so grateful for our jobs. Like if we've got our periods and want to go all up with a heat pack in bed and work from bed, we've got that flexibility. You're a nurse, you can't do that. You have any type
of frontline working job. You cannot let your personal needs outweigh the need to do your job and fulfill an outcome, right, Like, I just think those roles are so super special. I do think you deserve a free education above and beyond me. Who was someone who just followed my passion. And if nursing is your passion, great, but it's what benefits the community and I think that that should come into play
when this conversation is being had. But again, personal opinion, probably an opinion not everybody agrees with, but we need these people to make our world go around, and over the last three years we really learned that so much in that conversation.
Ladies.
Maybe it's a blog post. I don't know, we'll see, but for now, I think it's time to listen to today's money dilemma. Let's go, hi there, have you got a money dilemma? You just can't solve that. She's on the Money Team is here to help. Every week we tackle your dilemmas, both big and small, to answer your most burning money, career and life questions. To get involved, simply head to our website and leave us a quick
voice recording and you may just find yourself on the show. Now, let's take a listen to today's money dilemma.
Hey guys, just a brief summary. Me and my partner have been together for five years. He's got an investment property and plans to build a granny flat on the back. When we've been communicating out about our future recently, he's told me that he doesn't want to have my name in that property because he's made it himself. Is that okay to have separate investments? And how important is it to have that traditional split mortgage just because it's different
to norms of society? Does that make it wrong? And should I be grateful that I don't have to pay for much? But that means that things won't be my name? And if I am to do an investment property in my own, like, how do I start? And what does that look like for me? And yeah, I guess is that normal to have it separate or okay.
You're right, interesting one that my loves, but one that I think you guys are maybe a little bit better versed in responding to, because Jess.
Yes, talk to me.
Yeah.
Look, there's really two elements to this question. Firstly, she's asking, is it a red flag that he doesn't want to put my name on it? Is that problematic? And then she's kind of asking, well, what does that look like for me if we do do things independently. So to answer the first question, I personally don't think it's a red flag at all. In fact, that's exactly what I plan on doing when I buy it.
That's why I mean, it's a red flag if you had to pay for it and then you don't get your name on it. With like, there probably a few caveats.
Here, and this is like the thing right and you know, I'm not buying an investment property all we hopefully occupying a property one day soon. But the thing here is he has done this on his own, He's purchased it by himself. And I guess we don't have all of the details. In a sense, if we don't know is she living there? Is she not living there? I'm assume if it's an investment, she's not. You know, if they're putting the granny flat on the back, are they planning
on living in the granny flat? If so, will she be contributing financially? You need to know all of that out. But I think that if someone has worked to do something, and I guess I'll use myself as an example here, I plan on buying a house by myself for weeen behavior, thank you snaps for me, but I'm in the position financially to do so. My partner is still studying. It just is what makes sense.
It just makes sense for your situation.
Correct that.
The conversation that we have had and that I've spoken about on the pod before is that, well, I'm so happy to do that, and you know, we will live there, and we've kind of had to work out what that model looks like. And ultimately he will contribute, I guess, rent, but I will be responsible for the costs of the house, like the rates and the ownership costs, so for him it will be like he's renting as he is currently.
And that's because I wanted to really clearly draw those lines in the sand and be like God forbid if anything goes wrong, I want it to be very clear that this thing that I have worked my butt off to do is man and.
Because that's really fair because if the flip, like, let's pretend you grow old together, what's that matter if you had that conversation and he was just paying rent that whole time, like that asset's benefiting him in the long term. Yeah, and then thank you, ma'am. The reason you're structuring it that way is if one day something happens, you don't end up having worked your butt off to own a house that somebody else didn't work their butt off for and then they have half of And.
It sounds like that in this situation, our listener is on the other side of the table. This listener is my partner, do you know what I mean? So, like, he's worked his butt off to have this asset and he wants to protect that, and I think that is very okay. I think that they're doing the right thing in having the conversations about it. Now. That's really kind because you know, you both have to be comfortable with
it ultimately. I think it would be very different if he had said, hey, like I have bought this property and I want to renovate it, and I want you to pay half the money for the renovations, because then she has absolutely investment, and that's a different story to get to. I guess the other part of the question, what does she do? You do it like a single independent lady, like you plan to do it by yourself. If you purchase it by yourself, and I'm obviously not
a mortgage broker, definitely talk to one. But if you're purchasing by yourself and you're not on the name of his property and you haven't been involved in another purchase, you are eligible for all of the you know, whatever scheme or guarantees you fit the criteria for. So, for example, the first home Buyers scheme alone or whatever it is, you can qualify for that, whereas if she was to go on his property, she would be excluded. So there
are benefits in that sense. Obviously, it's harder because you are getting alone as a single person, which as I have found.
Out Page Challenge.
Yeah, it can be really hard, but like you kind of just do the thing as you would in a couple, but by yourself.
Does that make sense?
Yeah, Look, it makes total sense. And to be honest, if we take away the fact that you're not going to own it because it's actually not yours anyway as a detrimental thing. Here we go, it actually benefits you, you know, Jess. Let's use your situation as a good example. Now, James is still unique, doesn't make sense to him to buy, hasn't had the same capacity and full time employment that you have, which means you're going to buy in the future. If you and James are like, do you know what
we do? Want to buy a family home? You've got that asset in the background that you could use equity in to buy a family home together. So in the future, James, your partner could just decide to go and buy his own property, do his own thing, which you'd be more than okay with. But if you guys go, oh, we want to buy another house, but this time we want to do it together, that actually benefits you because it's an asset you can lend against obviously with your full
consent if you wanted to use that. But that means one Jess, you don't have to save up a whole new deposit because there hopefully will be equity in the property that you own to use. But also benefits James because that security against that future purchase that puts him ahead and puts him in a more secure financial position. So I think it's not a bad thing. I think
it's really beautiful to have these open, honest conversations. But I think it's also like, well, George, if you're going to go buy a house and I had nothing to do with it, like I shouldn't want to lay claim to that, And I think it's you know, not that our listener is in any way, shape or form doing this. I could tell she wasn't by her tone of voice. I don't think she was like, Okay, well, when I break up with him, I won half his property. But
that's basically what he's trying to protect against. And I think that's so fair because I've said it a million times. Not every relationship is guaranteed. And here in Australia, fifty percent of marriages and in divorce, so you can never be certain, like you don't get married with the intention of getting a divorce because that stuff is expensive. I can tell you right now, and I'm not even married yet.
But I just think it's such an interesting conversation because it can feel really personal, like, oh, you don't want me involved, Jess. Yeah, oh you don't want me to be on your thing. It's actually not a personal thing. It's actually then putting themselves in the best possible position. I think that's really healthy.
Yeah, and that in turn puts you in the best possible position. I think just yet to add it to that, Vie, which is exactly what you were saying. You just need to take the emotion out of it. This doesn't mean that he doesn't see a future with you or anything like that. He's just protecting himself, which is exactly what we teach people to do on this podcast. If the situation was reversed, which it is for you, j Rick. You know, we're clapping and cheering because that's amazing to
take financial control. So yeah, just take the emotion out of it. Think of it really pragmatically. And maybe he's.
Been listening to the pod. Er perhaps he's a little fair because our listener question, she's clearly listening to the pod, and she's been listening to the pod, and you know, was going to buy a house. I hope she'd be like, Oh, Victoria's in my head. I probably should have this conversation. He's just doing the right things.
I'm doing the right thing.
I love that. But guys, I think that is unfortunately all we have time for today. So Georgia King, would you please wrap the boring but important stuff?
Of course, please remember, guys that the advice shed on She's on the Money is general in nature and does not consider out your individual circumstances. She's on the Money exists purely for educational purposes and should not be relied
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We'll see you guys on Monday. Hi, guys, hye