Hello, my name's Santasha Nabananga Bamblet. I'm a proud your 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 Is on the Money, the podcast for millennials who want financial freedom. My loves It is Friday, which, as we all know, it's time to sit back with a bev in hand, to chat about the week that was, and of course to celebrate our incredible She's on the Money community, and mainly all of the people that have come to see us in the audience.
Jess, so many people.
It is wild. The audio quality, I don't know if it's good, it'll make it to the podcast. Regardless of whether it's good. Or not, but I am so thrilled. This is one of our very first book, or it is our first book to a live recordings. As we know, we're going to talk about the highs, we're going to talk about the lows. We're going to go through everything that we usually do on a Friday drinks just to give you guys a little bit of background. We're going
to do our money wins and confessions. I've picked some this week too because I wanted to be included. And then we actually are going to talk a bit about the book because obviously, then we're going to go to a twenty minute break so you guys can grab a drink and regroup yourselves. I'm going to get in trouble at the back for going vogue, and then we're going to come back with do you guys know Bodzilla? Oh my gosh, she's epic. We're going to talk to her,
she promises. I was out the back. She's like, I'm really funny.
So it's all right.
So that's going to be really good. But Jess, do you want to just get into it? What do you want to do first?
I think so I feel like we normally start with a little catch up with the goal?
Should we talk? I told them all about how I wrote a book.
I mean, have you been doing anything else? Okay, so what have we been doing?
Wedding planning?
Oh?
I don't really want to talk about that because I blew out my budgets.
We yeah, we're getting a lot of requests from people saying, oh, we'd really like some wedding content about how to stay on track with your budget. And I'm like, you are talking to the wrong lady.
Do you guys know why it hasn't come out yet? Read between the lines? Mm hm, So I guess we can talk about wedding planning. Yeah. It's really hard and it's also really expensive. So I thought I was a genius Jess. As you know, I've got a few tickets on myself when it comes to budget and cash flow. And as a financial advisor who had advised a lot of clients during the process of creating wedding budgets and watched them go over and go gone, Who's come on?
We talked about this now, I'm like, oh, I can see how it feels like I get it. It just it sucks. But it's genuinely so much more expensive than I had anticipated. I mean, does it make it better if I tell you to lines to my values? Is that better?
I feel like that's your get out of jail free cards. It's everyone's to get out of jail free card.
But look, it's been really fun and we are actually five and a half weeks away from my wedding, which is very exciting.
I run a clause, I didn't do it, yet you also didn't do anything he proposed to you, and you're getting around of applause.
Thank you, thank you. I am that good. But no, it's been really fun. It's been pretty hectic the planning side of things. I obviously have a gorgeous team who has been helping pick things and organize things that remind me that you need things like matching pajamas. Not need, but like Jess is like, you're going to be upset if you were in that T shirt that you wore yesterday. But we've been pretty busy, Jesse. We just got back from America.
Oh my gosh.
Yes, we went to finn Con, which is finance Con. Sounds so boring, as someone who did not study finance was not super thrilled to hear we would be attending it.
First, I did lure in though. I was like, all right, we're going to go to fin Con. She's like, oh, maybe maybe just to save budget, like you just go and I was like, I'll dig you to disney World.
Sold.
So we took just to Disney World before we did fin Con. But did you enjoy it?
It was actually very fun. I think I forget because we spend so much time in this community and we talk like I talk about money every day, which is someone who, like I said, I don't have a financy background. I'm just a normal gal. That at first was very strange for me, and it became very normal, and I
didn't realize how much that adds to my life. Like in the community every day in the Facebook group or on Instagram or wherever we're kind of hanging out with you guys, we're having these conversations about our journeys, about my house, about your wedding, about your journeys, about paying off your debt or your buying our pay later, or reaching a goal, getting a raise. And I didn't realize, I think, because I took it a little bit for granted,
how much I enjoy that. And so we spent some time with some other podcasters, the mind Milnial Money team and the Girls That Invest team who we adore, as well as a whole heap of other people from the US and from all over the world who work kind of in the same space as us, and I was just I left with a very full cup because it was really nice to be around people who care about what we care about.
I actually felt like it was one of those things where I was really hyping this up. Guys. I was like, oh, shin con this is sick. I've never been because I've never been able to afford it. It's a content creator's hut, right, and we create finance content and as you go, I probably already know there's not that many people in Australia who do that. In fact, when I started it, it was.
Like not cool.
It was so not cool that I created a fake Facebook to comment on the Facebook group posts so that I didn't look like nobody was commenting on my Facebook group posts. I'd be like, hey, guys, hot tip about superannuation and then some girl called Ella would be like, wow,
I love thanks, Ella. So when I started it really wasn't a thing, and like I genuinely felt like people needed that information, but I was also like, I don't know how to make this approachable, and like, let's be honest, we see safety in numbers, Like you see that she's on the money community now and you're like, okay, cool, Like it must be okay, Like there are so many people following it, so she must know something about something.
But when there were seventeen people in my group and I'm trying to convince them to publicly comment on a post about super Like, it wasn't gonna happen. Ella needed to pull some things in.
So it's an.
Interesting, I guess journey, especially because looking at America, everything's bigger there, right Like you expect you're going to go and you're going to see bigger, better communities. You're going to see content that is absolutely mind blowing and ideas that I'm going to come home with and be able to nourish our community with. And we definitely have come back with that. But I think the thing that I didn't realize. I knew all along that our community was
incredibly special. As I said before, we're basically best friends. But what I didn't find at fin Coom was anything like that. And I was like, what, like oh, so you've got followers on TikTok. They're like yeah, And I'm like, like, how often do you talk to them?
They're like, oh no, they.
Don't DM me, Like, oh, my best friends dam me all the time. Like they DM me when there is cheap oat milk, they DM me when they see coffee shop drama on the internet. They d me literally all the time. Like you guys interact with me in the best way. And if you've ever messaged me before, this is going to be so lame. But if you've ever messaged me before, you know, like if you genuinely sent a message, not just like a love of her eyes reply to a story like let's just get that straight.
I reply, and I'm like, yeah, sick, like let's do this. And I think that takes people off guard because I'm in your community. I am you, because I'm here literally beside you, And I think that I came home with a new found not understanding, but really deep appreciation because I don't think I realized what we've created. And when I came home, I was like, yes, this is pretty flip and special. I don't actually want it to grow anymore, Like, oh, you guys just stay like, let's not tell anybody else
because I'm genuinely scared that we'd lose that. And you know, the bigger we grow, the more worried I get that we're going to lose that specialness or lose that ability to be best friends. But we haven't lost it yet, so keep an eye out on that. It's coming.
It's because everyone's I think each other as best friends. A post goes up sometimes and I see it and I'm like, someone will ask a question. I say, oh, I have a good answer to that, and I go to the comments and there's ten comments from people who have beat me to it because they know exactly what
to say or they know exactly the right thing. And I think, yeah, I would like to believe that no matter how many people join us or how many new friends we make, it's always going to feel a little bit special.
And I really love that.
I think it's my favorite thing literally in the entire world. Let's stop doing this though. We went to talk about the book, so let's do money wins and confessions from our community. I think it's time to get into that. Guys. This is sponsored, so it is time for our budget direct money wins and Confessions. Jessic Ricci, what have you got for us?
I'm really pumped up. My first win is from Erin, who said I asked my eight year old daughter to help her brother clean his mass, and I said I would give her one dollar cheap labor because he should be doing it by himself. She said to me, Mum, just put it in my bank account so I can save it. Finally a win for teaching her how to save. I thought that was really cute. I think that's really sweet. But I have one for Country Road so ten ping here.
So this one is from a girl called Jessica, A great name, great probably stumming, honestly, She says, money win. I found a brand new Country Road jumper with the tag still on for five dollars at the Salevos. The tag on it said one hundred and twenty bucks.
That is a money win five dollars, five bucks. I love an op shop still a.
Note like she couldn't buy a coffee at my local coffee shop with her.
Oh please don't start, we're going to get in trouble.
We are going to get in trouble.
My next money win, Lauren says, money win one thousand six hundred and seventy five dollars in my pocket thanks to a weekend of Facebook marketplace selling. And I'm just astounded that she had sixteen hundred dollars worth of stuff in her house that she wasn't using. And I also probably also have sixteen hundred dollars worth of stuff that I'm not using that I should list.
Did you know that it was like researched by gum Tree, not sponsored? Just good. I feel like I have to disclaim with that because so many people message me like is this a sponsored post? I'm like no, I'm so transparent. I'm proud when I get sponsors. I'm gonna tell you, like I will literally be like sponsored, look at this, someone paid for this. But gum Tree they said that everybody, like most Australians have five grand worth of stuff lying around their house that you could sell and.
You just don't do it because you're lazy. Well I don't do it. I shouldn't, so I'm really lazy. You guys aren't lazy. I'm lazy and I should sell it because I'm poor.
You've done that before, though, like you've gone on a rampage of selling things to make your goals.
My partner came home once and I had sold our dining chairs and he went to sit down for dinner and it was like, wait where the chairs go. It's like, oh, a lady picked them up about forty minutes ago. And he said to me, so, where are we having dinner? And I said, well, you can sit at your computer in your desk chair, and I'll sit on the floor next to you.
But I made a lot of money, so.
I'm not even going to question that. I'm going to tell you my next money in.
I'm going to do it.
It is a money whin. It comes from Stephanie and she says I bought some liberal period underwear using the discount code mentioned on the podcast a few weeks ago. And my local government authority also offers up to a fifty dollars rebate for reusable sanitary products. I really like double money win, saving the environment and my pocket.
At exactly the same time when I read that, when I read the script, approximately two minutes before I got on this stage, you literally made this. You cut and paste yours in, I cut and paste mine in. I kept putting mine above yours.
Yeah, it's sad for me, but that's okay.
When I read that, I was like, I should check my local government and see if they do rebates for that kind of stuff. I didn't even know that was a thing. Do you think that's common?
Not that we're working right now, I mean we technically are. But if you could just put on your two list to do that and then share it on stories, so I'd be great.
All right.
Let me tell you my next money win that didn't get shoved to the bottom of the pilot comes from Jen, and Jen said, money win. My housemate bought Victoria's new book, but she gave it to me because I read Quicker and she put it in quotation marks, so I don't think she actually does read Quicker. But that's a definite win for you, Jen, because you can share it between the two of you.
Oh my gosh. All right. Next money win from me is from Amy, She says, money win. I never have these, This is the best. I'm a bit of a crazy dog mum, same girlfriend, same always trying to show people photos of my dog that no one ever wants to see. People do you want a friend?
Same people do want to see that.
So I entered a photo of one of my dogs into an agricultural hemmed calendar competition and in one first place. He will now be the cover photo for a twenty twenty three calendar and she won five hundred bucks. Needless to say, her entire family and getting that calendar for Christmas? How good is that?
I just really like when they say the cover photo, the first thing that comes to my head is like the centerfold, which is not what you'd think about when you think about a dog, obviously, And I just I'm like, do you think it's prestigious? Not in that you guys, get your mind out of the gutter, Like I meant you know how it's prestigious to be the center fold? Do you think it's like think it was? Yeah, well
maybe not anymore. But if you're the dog on the cover, like, do you have bragging rights with the other dog?
Lucy would want to be the dog on the cover.
Of course, she takes after her mother.
I'm not gonna yeah. Yeah, we both really like attention. You know what I think of when we think of calendars. Firemen. Yeah, like you're thinking Playboy. I'm like the fireman calendar, the local charity calendar.
They always get me at like they'll stand in my local shopping center in the middle bit and they always do the thing where they're shirtless with just like the genus the little suspended with their yellow pants or whatever, and they always go but ma'am, it's for charity, and I go, well, I suppose you're right, and I get they get me every time. And it's about that time of year and I actively avoid my localol shopping center because I can't say no, that's.
Unrelatable, the fine And I've literally never walked through a shopping center and center topless fireman, where is that?
Come to the West side asking.
For a friend? Yeah?
All right?
Well, moving on from dogs, firemen and money wins about Facebook, It has as always been a great celebrating some of your budget Direct money wins of the week, Budget Direct winner of can Stars Insurer of the Year Award twenty twenty two, Budget Direct Insurance Solved. Is it bad that I know that like this now?
I don't think so. I think that you're just committed.
I can't remember my number, but can remember the Budget Direct dad.
She's a hard worker.
It should we move along from the ad though, and talk a little bit more about your favorite thing in the entire world apart from me, apart from Lucy, I was literally just a hard to say, apart wedding content and Pinterest sports also no, oh, investing.
Oh that is actually my favorite thing.
The thing that you wrote an entire book about.
Yeah, I was bullied into it by you guys. Cheers. No, Genuinely, I'm really excited about this because I feel like, one, it wasn't hard to sell, like, hey, guys, you literally asked for this. Take it. But also I'm just I feel like it's so special that we have literally, I mean, there are a few men and there are a few people in this room that you know, might go, why am I here? My partner dragged me along.
I can fear a couple in the front row looking not sim I'm looking at you.
Yeah, we'll see you.
Yeah.
But I also had a few dms from people that are like ha bringing my partner or ha ha ha. So as a president, I bought tickets for my friend Loki because she needed to come and she won't listen to the podcast.
Who was that? No it you?
Okay? So talking about the book though, I just feel like it's really powerful to have a literal room of people who not only want to learn about investing, but are probably discovering it for one of the first times in a way that you don't feel turned off. You feel like, oh, this maybe is for me, This maybe is my space, This maybe is the thing that is going to help me create the financial stability and freedom
that I deserve and you all deserve it. And it's kind of like this gift that I haven't been able to get into your hands prior to now. It is really hard absorbing audio content and remembering it and writing it down. There is a marketing term, not that it's related to my book, but you need to be exposed to marketing advertising a minimum of seven times before you
actually buy that product. And if you look at that in the same way that you would look at investing content, that means I have to tell you the same thing seven different times before you genuinely understand that concept. And it's not because you're silly, it's not because you don't get it. It's just because that's how human brains work. We are really linear. We are actually fight or flight creatures. And if you absorb some information that your brain's like,
that's not important. I'm just going to chuck it out for now, Why would you keep it because it hasn't been made a priority. So this exposure of seven times really makes sense. But it's hard in an audio context to give that to you. And I genuinely feel like it's a gift to be like here it is like you can see it, you can touch it, you can you know, put the book on your bedside table because we made it super aesthetic so you look really nice.
Thanks Eizy for making me choose that cover. But it's one of those things that I just feel so grateful to be able to give that to you, because it puts you in a position of power. It puts you in a position where you are able to be the narrator of your life instead of somebody else telling you how it's going to fold, instead of somebody else telling you, no, that's not really for you, or no, like you need to buy property for it to be important, or you
need to do this or that or the other. Like I genuinely feel like a book like this takes it to the next level. Someone asked me, maybe I'm answering the questions that you've.
Got take it ahead of yourself.
Sorry, But someone asked me, like oh, do I have to read the first book and then the second book, And no, you don't. I've written it in a way where you can read one in isolation. But I genuinely believe that the Pink Book, the first book, is like
that foundation. It's the budget, it's the cash flow, it's understanding the concepts, it's master that, and you'll want the next book and you'll want to take it to the next level, and you'll feel genuinely like you can take control of your life and you can take control of your investing journey. And I think my favorite thing about it is you could have no money and you're just excited about the concept and you're not ready to invest and read it and hopefully absorb some content that really
helps you. Or you could have a million dollar inheritance that you need to invest, and both ends of those spectrum are met. So for me, I love it. I'm really proud of it, and I'm really excited that I get to like give it to you.
It's really special. I think the big thing for me is, you know, if I think back five years ago, if I had said to myself, you're going to be really excited about this finance book, I would have been like, who are you? And can you leave me alone? Because
there's just no way that's not who I am. And it's really cool for people like me and for all of the people in this room who have so much of their lives ahead of them, learning these things and consuming this knowledge has the power to put you in a position where when you're older and you want to retire and maybe that's earlier than the normal retirement age of what is it sixty three or is it gone up to sixty five?
Sixty five? Sixty five?
Wow, that's so far away, but like maybe if it's you know, Sue.
Right, tell everybody how young you are, go up.
But you know, when you get to that point, you have the opportunity to live life the way that you want it. And you know that's I think the thing that this community is all about is about saying you have the power, and you deserve to have the knowledge, and you deserve to have the choice to live your dream life and you know, not to be real like girl boss, yeah make money because that's the way that sounds like now going but we're canceling that term, but
that do you know what I mean? The thing to get you, there is education, and for so long, so many of us have been kept out of that conversation, either because we didn't have easy access to it or because you know, it wasn't something that we were interested in, like me, and we kind of kept ourselves out of it. And you know, I think you can look back in Hindsights twenty twenty and I look back and I go,
I wish I'd started sooner. But to see so many people in the community learning and sharing and teaching and doing all of those things a go, there's going to be some or rich people in you know, twenty to thirty years that.
They wanted to be because of me. And then they can pay for my own lattes, those seven dollars, Oh lattes, they'll get you. I think it comes from two places, though, right like it comes from one. Investing in twenty twenty two has never been more accessible like these days. There are apps for everything. There are apps to remind you when to brush your teeth, and there are apps that let you invest for as little as one cent. Right there has never been that ability to access investing before.
So I think we're in a really special position where we can, you know, take charge of that we no longer have these minimum investment requirements. Like I remember when I started in financial advice, there were so many managed funds and ETFs or exchange traded funds that had entry
points of twenty thousand dollars. And at that point in time, I was writing advice for clients literally that I couldn't afford, Like I couldn't sit down and be like, oh, like, I really love this, you know, this particular fund which I'm not allowed to mention right now because I might lose my license. I recommend it. It's great. I love it for you. I wish I could invest in it, but I don't have enough money, Like, isn't that gross? Like, hey, this is reserved for you because you're kind of rich,
but I'm not. So I'll write the advice and put you in the best position. It's the one I wish I was in, though, Like that's gross. So it's never been more accessible because now through platforms like, we're able to access these things, which is to me really special.
But I also think we are now as especially women, breaking down this barrier of mediocre middle aged white men telling us that an acronym means they're really smart, and I think that for so long these people in the investing world would use acronyms in terms of reference and phrases that you know, they'd throw compound interest around and talk about it as if it was really like exciting and then never explain it in a way that made sense.
It would take them, you know, six paragraphs to get to the point where it's like, hey, guys, it's the money that your money makes, full stop.
It's so simple, like.
It's the money that your money makes when it's invested, Like you put it there and it'll make money for you, like, okay, no worries. And I just think it's crazy to think that, you know, our ETAF is actually quite complicated, na babe, it's actually a basket. Like it's a basket of shares and they put all the shares in there, and then you put your money in there and buy it. Like I just feel like we no longer except the gatekeeping
of the information, and we want it broken down. And I think that that is you know, very twenty twenty two. I think we see through it in plethoras of ways, like you see it with people rebelling against influencers and people rebelling against marketing and people rebelling against different products, and you totally get it. But like, I'm glad it's in the investment world because they need to be held responsible, but also break it down or it's not going to
resonate with anybody. No one's going to want to work with you. So I'm excited about that.
I'm really excited about that too, And I feel like everybody who's here is excited about investing as well, which is very, very fun. Because we have some questions that you guys submitted that we're going to go through and answer. All Right, Victoria, the first question that I have for you is should you start investing when you're on a type budget? And if yes, how should you do that?
That is, Look, it's a really good question because it guys, get this, it's really in line with your values. So you've got to work out what is more valuable to you. I think it's and I've said this before, it's so ridiculous to expect that if you have a really type budget, or you're going through what I call a season in life, like you might be a university student and putting too much pressure on yourself and more money is coming at
some point in the future. I feel like I'm a staunch advocate for respecting the lifestyle that you currently have so that you're not, you know, living the life that you wish you had later. So investing now, it's really important to understand it, to absorb the information, to educate yourself, to put yourself in the best possible position to get the best head start. But that doesn't necessarily mean that you have to do it today. But I also really want to reiterate that you don't have to have a
lot of money to invest. Like I have people that talk to me in the She's on the Money community and they're like, yeah, I just invest five dollars a month, and I think that that's epic, like you are on the road to success because yeah, like, let's be really brutally honest, five bucks is not going to help you retire, Like you are not going to be in a yacht in the Bahamas because you invested five dollars a month. But what you are going to be is super financially literate.
So once you graduate out of UNI or change jobs, or the kids are no longer at home and you're funding their life, like you already know how to invest. You've been watching the market for maybe years at that point, and you're really confident with it, you're really excited about it. Putting more money in that investment portfolio doesn't feel overwhelming. I think there's this very big idea that to invest
you must have really high cash flow. And I mean, you guys have heard me before, I've said that you don't. But I think we also still put that pressure on ourselves to go, oh yeah, but like it's just not enough, And in reality that's not the case at all, Like there's no such thing as not enough, because even that five dollars, Like you know, I remember someone talking to me and they're like, oh, I don't invest much. I'm just on rais and like they at that point in time,
their fees were like two dollars fifty a month. She's like, I feel like my like returns are definitely being eaten away by the fees, so it's not worth it. And I was like, yeah, like let's reframe it though, Like that's two dollars fifty a month that you can claim on tags. Ah, that is an investment in your financial literacy. And like I went to UNI, I did a lot of UNI. If you've listened to the podcast, you know
I'm still in six figures of hex step. Then I don't really want to talk about that today because it still gives me anxiety. But it's one of those things where like I get it, but the most I've ever learned is when I was on the job, and investing is exactly the same, Like, just start the damn job, Go get your little into and ship. I don't care
what it is. If it's five bucks a month, if it's two dollars a month, if it's just a dollar share that you bought on chairs eas because you can invest that much on chairs eas and just you watch it over time. Like to me, that is more than good enough. You are in the market. You are an investor,
And yeah, I think it's about your values. Yes, if you're on a type budget, investing is important, but it doesn't necessarily mean that you invest your life savings because to be honest, that could be a really terrible idea and put you in a sticky position in the long term.
And if you are in a position where even five dollars a month is something that you just can't find, that is okay, Because I think there's a lot of pressure that we put on ourselves to be doing everything that we want to be doing, and we see other people doing things and we go, oh, I want to be like them. I need to be preparing for my future. I need to be buying a house. I need to be getting married, I need to buy a dog, and I need to do all these things because that's what
makes me a successful human. And if you can't do that, if that room in your budget simply is not there, that's okay. And I feel like you can still learn and you can still listen and you can still watch, so that once you are in a slightly better financial position and it is an option that's on the table for you, that's something that you can pursue and you feel ready to jump two feet in as soon as
you can. I want to know how do we deal with fear around investing, because that's something that held me personally back, and I think it's something that holds a lot of other people back. A lot is just being really anxious about it or being afraid because we've heard that. You know, back in the GFC everyone lost all of their money and investing is so risky.
Because is it. Yeah, so we don't know. No, Okay, well that's the answer. If you're scared, don't do it. I actually I think it's let's go back to psychology, right, Like fear, it doesn't come from us actually being scared of something. Like I have like a really irrational fear of clowns. And one time my ex boyfriend long story short,
took me to a theater show about clowns. And he didn't know and he worked in theater, and so the clowns came down the intermission, which we're going to have soon to say hello to us and be kind and they were like being clowns, and I fainted because I was so scared, and they thought I was faking it. And then anyway, we've got an ambulance. It was a whole thing that was genuine fear. Guys, Like, if you're not scared of clowns, we don't have to be scared
of investing. Investing is the fear of the unknown. Like there's irrational fears, and then there's fears because we haven't taken that next step. So that next step is scary because we don't know what it's made up of, right, Like, we can't see it like it's we're going in blind, So how do we become not blind? How do we, you know, look to the future in a way where
we can clearly see that next stepping stone? And I think it's genuinely about education, Like, if you're scared about anything, we can educate you into going all right, well, clowns are not scary Victoria, Like, they're just people wearing masks. Would you like to touch them up?
No?
I would not. I get it. But I think it's really important to break down that goal if it seems too scary to invest, Like my answer is genuinely don't yet. It's not don't do it at all, it's don't do it yet. Take the pressure off and put yourself in a position where you go, all right, well, I'm not ready. Why am I scared? I'm scared because I think that I have to invest my life savings. No, I don't, Okay, I can invest five dollars. All right, Well, if I
can invest five dollars, what would I want to invest in? Like, let's start exploring that. Let's start consuming media that is aligned to creating the life we want, Like there are a million podcasts out there, obviously, there's shees on the money, but then there's also you know, my millennial money and girls that invest and equity mates and all of our friends in the industry that create content. So you can
be more comfortable with this step. And I would say that fear comes from the unknown, and if we can create the unknown known, we're not scared of it. So I would just say research, create, but also don't put yourself in a position where you think you need to know every single thing to take the next step. Once maybe there's a little bit of fog and you can see the next step, maybe know that you're going to be safe to take that step and go from there,
and then let's look for the next one. And if those steps are genuinely feeling too big and too out of control, let's talk about how we can bring it back, how we can actually create them into smaller steps that are more palatable and that aren't scary. And one of the best things ever, well, let's be biased, is that she's on the money community because there are people experiencing
what you're experiencing. Jump into the Facebook group, comment on things, read people's experiences, talk to a girlfriend, go out for a coffee, go over to their house for a cup of team and be like, oh my gosh, so this concept weird right investing, but like, chat to them about these things. Blame me, be like, oh this girl Victoria, she's crazy, but she talks about this thing. What do you think of it?
Like?
I want to be the reason that you guys get to take that next step and get to put yourselves in the best possible financial position. And I genuinely believe that it's just because we don't know and create the known, we will be okay.
I really really like that.
I have one more question before we let everybody go for a quick break, and that is for people who don't have children, because it's twenty twenty two, and not every person who can have a child wants to anymore. Where does their wealth go when they're no longer around? Because when we talk about investing a lot of the time we talk about passing that along, building a future that's better for the people who come after us. But if you don't have children, you know that concept, how
do we still apply it? Is there any point in investing? Should we just spend all of our money and live our best lives and be like peace out, Thanks so much guys, like, what do you what's.
The point that's very deep? Say that point?
Do you say that too confidently? Is that your plan? Like is that what's gonna happen. I'm gonna go hard and then I'm kids one day and Jess, we'll be like ill, why all right? Cool? Deep question that wasn't on the script. I love that from Jess. I think it actually goes back to legacy, right, and like what do you want to create? What impact do you want
to have on the world. Having had the experience of investing four people worth tens of millions of dollars, because that's where I started, right, So when I first got my financial advice career, I was lucky enough to slip into a business that only worked with people that are
classified as ultra high net wealth. And that sounds kind of bougie, right, But the definition of that in the business that I worked in, so not across the board, but in the business that I worked in, was that they had to have a minimum of ten million dollars to invest. So I was dealing with people while I was in like forty thousand dollars worth a credit card debt, Like I don't know why they were taking my advice,
but they were. While I was doing that, I think I learned a lot about legacy, because even if people do have kids, it doesn't necessarily mean they want that wealth to pass on to them. A lot of the time they'd be like, look, Jess is my child. I think she's really intelligent. I actually want to find like, have her find her own way, and a lot of I guess the wealthy people in the world who have tens of millions of dollars struggle with exactly the same
Q questions that we have. And that's what happens after I'm not here anymore? And what legacy do I want to leave behind? And I think, obviously the stereotypical answer of work with a state planning lawyer to work out what that is, but actually think about your life, because I don't think it's what happens after we die that's important. I also think it's about the legacy that we leave in our living life. If we want to get really deep, But what are we putting our money towards? What are
we funding, what are we not funding? Are we going to talk about fast fashion and we're not going to talk about fast fashion and you know, when you pass on, do you want that money to be left to a child or to my child, Jessica, or do we want that money to be passed on to a cause that's really close to our heart or establishing something that means
something something really cool. Actually, I know you're probably trying to wrap me up, but good luck is we would create a lot of trusts for super wealthy people and you can actually do it now, where you invest your future wealth that you don't need anymore. Because on the off chance that something to happen to us yesterday, because we always talk about yesterday. We never talk about tomorrow.
On the off chance that something happened to me yesterday, maybe I want to create a trust that, you know, the investment money in that in perpetuity pays for a scholarship or a fee for somebody. And you know, let's be super deep in my will, I've got that set up, like I have all my superannuation money going to a
trust that will create financial literacy like courses in other countries. Sorry, guys, I feel like you guys have a covered in other countries for women who are not able to access financial literacy. And I think that you can do literally anything you want to. But the really important thing here is that we actually established that before we pass away, and we actually document that really well and put ourselves in a position where it's actually possible. So what are people who
don't have children do? They do the same thing, because you'd be surprised about how many parents pass away and they don't have anything left for their children. So I think it's about legacy. What do you want people to remember you for or what do you want to create and how do we create that? Because we're not talking about tens of millions of dollars here, like.
We okay, I will go, I hope you're okay. Whoever just fell over?
I think they threw a drink. No, it's not about tens of millions of dollars, Like every dollar literally counts, and you can create whatever you want to create with that. You just have to be purposeful and put a plan in place.
Is that okay?
I really like that.
I'm also getting slightly triggered by you calling me your child because when we went to finn Con, this is so this is I'm getting very off topic here. But when we went to fin Con, we went to a party and it was tacky tourist themed.
Did you see this? This is so good?
So Glenn and Victoria I went and bought Glenn.
From My Millennial Money, which is like our partner podcast. If you don't know My Millennial Money, you love them. His community, not our communit his community call him the Dad of finance. So when I was introduced to his community, they were she's clearly the mom.
In the US, everyone who goes to Disneyland buys family t shirts and they say lack so tight rich tu or something fun like that. So I went and got one that said mom because it's an o with Disney ears, and then one that said dad. And Glenn and Victoria wore those and I had like the kids one, so I was like their little child. But then we went to the event and they wouldn't give me a drink spand because they thought I was underage because I was their kid.
I'm more offended than they actually thought. You could be more a child.
Really good, But I think on that note, we should send all of these overage people off to get a drink of their own on a nice little break. There's books out there as well, if you'd like to purchase one because I hear someone will be signing them later on.
I have like five sharpiees.
She came prepared. Don't let her down.
She wants to work through at least three of those or she'll field disappointed.
And we've got Bodzilla coming up, which I promise is so much better than the first half of this show.
So we'll see you guys all back very soon at eight thirty.
Hello again, did we enjoy intermission? What do people actually do on intermission?
Post self is tagging us. A lot of people want to win the master class.
I saw that.
I spent my entire time back in that room, like replying to dms. One of you told me how much she got out of debt, really exciting. Someone told me about their tax debt not so exciting. And a couple of you were like, oh, I just posted my bee reel, babe, that's not that real. Like if you waited for your be reel to be posted here, that's not the point. Just do a insta story anyway.
I think it's time to bring out our special guests for the night, which I'm very excited about. We have April Ellen Horton, who is a writer, public speaker, actor, and model. You probably know her as the Bodzilla. April is all about fat joy. She's a passionate advocate for intersectional experiences. She's a noted MC and keynote speaker who gives people confidence to take up the space that they deserve. Her sense of fun translates to her fun sense of fashion,
where she is a literal rainbow of fabulousness. And she Oh my gosh, we didn't even brieve her. She just turned up in bees, she came on brand. She just she knew and we didn't even have to say anything. In twenty twenty one, she actually led the way as Australia's first truly plus sized model to appear in a bikini on a billboard and she was part of a national three part TV series asking Australia what they really think about disability, old people and obesity.
She champions racial.
Equality, LGBTQ plus inclusion, sex positivity and fat liberation. A full time communications gig keeps her busy, and in the past she's had her finger in a number of pies across advertising, social media, and production of music videos as well as commercial shoots and film. In twenty twenty two, her mission is to continue bringing conversations about authentic diversity, inclusion, and privilege into everyday life.
Amazing. Let's give a round of applause for April. April. Yeah, hello, my baby, and she she I told you guys, she said she was really funny, So high expectations physical to get. Are you excited to be here?
I'm having a terrible look same.
We made her sit out the back for the entire first half of this show. Sorry about it, but one of our community members she literally pulled us champagne. Gosh, she's finding about out the back. We're like, oh water. Of course, someone brought us champagne. So during the break, we'll like find us glasses. We are going to drink this ten We loved you. I wish they drink all right, all right, I'm very excited because this is a live
podcast recording, April Wild you ever done that before? Maybe it's all right, It's all right, we'll edit this bit out. It's not really about live because once it gets to the we were talking about you out the bat. But April, I want to kick this conversation off with a recent money win or a confession, whatever you're up to. You got something fun for us.
A recent money win.
I finally did my tax episode over you and they gave me some money back.
That is a win.
That's a good win.
Like that's when you also but like you didn't learn a lesson because you think you're gonna go oh.
No, I owe you money and they're like no, no.
You're going to do it again, aren't you.
Yeah, I.
Will sit down after this.
Here's your dinner. Yeah, we need to have a talk. I'll apply your Okay.
Well, well, April, I went through your very impressive and very well written by mighty ad, written by her, and I'd love for us to tell us a little bit in your own words about what you do for work and what you do in your day to day life.
So so thanks, Yeah, geez I am as you say. I work full time in internal communication.
Actually no part time now I've just got my Yes, we.
Love a bit of work life balance. I had a MENTIB and I was like, this is not going to work.
So I didn't see you seriously, but also.
Our poor interpret are having to sign MENTIB.
Sorry.
So I work in communications as a public servant actually, and then I also have a child, and I also do online activism and then I also.
Fly to Sydney and do hang out with us.
And I drink one. Yeah, it's pretty much your running theme, so I guess. I mean in my own words, you read them out. But if I was to say, like what do I do, I'm just trying to make things a little bit better for everyone.
Which I think is what you're doing as well.
Do you know what, I'm so good? You know that's why we're getting along so well. Also, we didn't coordinate.
Our at look, I just I came in and we were like, oh so exciting.
That's actually what it sounded like.
It was louder than that, but I wasn't going to do it into the microphone. That seems me.
I want to know, you are a lot of things, a lot of very impressive things. But let's be really pervy. This is she's on the money after the way, how many different ways do you make money?
Oh?
Well, I have a job, and then I own a business and then no, I don't have OnlyFans.
You do so well on there, though, I would actually kill it. I'm all about that. I'm like, get the bag on it. No, that's yeah.
I think I would call myself a business owner and I also have a PAYG.
I love it.
What a sexy acronym matters all?
I mean, you've been using that MENTI B I had to actually think, ad be that what dap? What is that?
We're having one right now?
Help me? I want to know, though you transitioned from full time work, you just told us to part time work, and I think that's the dream of a lot of people. How'd you do that?
Though? Well?
I decided that I really wanted to be able to actually focus on the thing I was doing when I was doing it, and then you know in both cases, and so working part time is a way that I can balance it. And I decided that I actually could not afford not financially, but could not afford to overdo it.
As much as I was.
And so I think there has definitely been for me a bit of a sacrifice knowing that I go, well, I probably won't have as much spending money. But this is one of those things that you kind of just have to do, because, as I was saying earlier, when it goes from being a side hustle to like at least halfway into your real life us, you kin'd have to find that balance. So I think it isn't glamorous to go part time from your day job to do
you focus on your hard hustle. It's a lot of hard work and it's worth it if it's worth it to you, and you shouldn't let anybody tell you that it's not you know, or try to talk you out of doing something that's not stable, because if what you're doing brings you joy, what like, why would you want to be stable?
I really like, I really like financial stability though, that's what we're here to talk about.
Yes, let's see it.
Yes, yeah, she didn't mean that we do want stability.
No, I think the idea of having financial stability and the idea of being able to be glamorous all the time perhaps not realistic. Sometimes you have to work really hard and spend a lot of time being like I need a spreadsheet to figure out what exactly is going on with all this money?
And what's a GST?
Because what's a GST?
I feel like it's like, who got her here? Why is she? Because I'm funny? You are?
We literally flew you to a different state were no
one in Sydney is as good as Wedzilla. But we've spoken about this backstage and I was going to ask you, you know, tell me a little bit about your current relationship with money, but like, let's go full money diary for a second and ask, which is usually the first question in our actual money diary, is like, tell us a little bit about your money story, because I feel like, you know, you know all of this stuff, and it's great to be up here going all right, well, we
want work life balance and we want to put these things first. But like you know, from experience, you don't just say that and go oh, I had an empty bee and it was just random. It came from somewhere, right.
So, I mean when I was younger, I worked part time in shift work, and I understood the value of penalty rates and how.
You make money.
So I think I've been learning this lesson around what you get out is what you put in kind of for a long time.
I think when I got my.
First career job, I was twenty three, four five.
I don't know if someone and.
You can't tell, And I think for me, it was the idea that I was heading into this career with stability and a regular income and that I could work during the day and sleep at night time, which was very different from working in a hospitality industry.
That kind of was very opposite to that.
And I think that if I look back, the way that I looked at money coming into my bank account every week is like what can I.
Waste this on? How many stupid things can I buy?
Somebody asked me the other week, like, what's your biggest regret of anything you've ever purchased? And I was like, literally everything I bought in my twenties, it was just a.
Waste of money, just crap constantly.
And I think now being someone who has to balance that, you know, and also taking care of other people, have a child, having to make considered decisions about what's a good use of money? Does it mean that I don't buy things that I don't need to know? But I buy way less of them and I think really hard about whether I need them as much.
I love that, and I feel like this is an ongoing theme of my week. You guys aren't going to be able to, you know, reiterate with this yet because the Money Diary hasn't come out yet. But I was talking to a money dirist yesterday, as were you, Miss Jess Grici, and she was saying, when I first started, you know, having my own full time job. If I earned eight hundred and fifty dollars a week instead of seeing all your bills. You were like, I've got eight
hundred and fifty bucks to spend. And I was like, oh, that's actually a mentality that I had. And we talked about the cost of living and how we kind of buried our head in the sand, like floor cleaner, you have to pay for that paper towels. We have to buy that that comes out of that eight hundred and fifty dollars. And it's kind of a joke. So if anyone knows how to like skip that part, that would be great.
Live in the bush.
Oh and the answer apparently no paper towel needed.
I tell you funny conversation that I overheard in the break room.
I was like, Oh, what happened in my breakroom stays in the break.
Except this girl set it in front of me. Now, I'm going to say it to all of you. Was it, Jess, No, it was at work, and this girl I could have say, I just can't believe that the electricity and the water is not included in the rent.
That's bullshit.
And I was like, girl, you're right, that's that's balls.
I hate that for you, Like, oh my god.
I was like when my sister asked me the Titanic was real, I was like, anyway, I just kind of loved the fact that she clearly left home to be.
Like, you know, this independent young thing, and they got.
A rude ass shock.
My mate were like, say the electricity bills, She's like, no, no, no, I transferred it to the acount already. Nobody if that's the room over the head in.
This probably rat infested jair, the traps are extra and so yeah, I think that it's kind of fun slash sad to be like, oh shit, ye.
I'm so much to learn. You also have to pay to get rid of the rat.
Really, it is so rude, seriously as bad.
Well let's fast forward, though, let's fast forward. Let's move fast. Their brady sharehouse. I'm not mad about it. What's your current relationship with money look like, because obviously you're not in a rat infested sharehouse.
Or maybe no judgment.
I don't feel like I am living the financially secure dreams that my mother had in mind when she used to be like put these fifty cents in that piggy bank. I think that it was like because like fifty cents as well, not a lot really, Like when I think about what I could get for fifty cents when I.
Can't even buy fifty cent cone anymore, they don't releast inflation. We've had this conversation much of I now doll dollar twenty oh dollar twenty. I'm pretty sure it's a dollar twenty and everyone's shocked.
I actually am that. You know that has gone up by four hundred? Is that maths? It used to be thirty cents.
No one's gonna argue with you. You're a one hundred percent somebody who knows matts.
Agree with me? Please? Yeah, I beg you. It's gone up. It's times four? Yes, oh yes four. Wait till they find out about the electricity.
Yeah.
So I think my current relationship with money is still fraught with a lot of I'm carrying a lot of baggage, you know, tw financial abuse. But like was in a relationship with someone who was real shady. I came out of that relationship with no money and no super.
I'll kill him. You're acting like I judge you for that. You're like, what's his number? I doesn't want to talk.
We are riding at midnight.
I'll pick you up. And so it was what the fuck honestly like? And I do go, oh my god, that's so cringe.
It's not because it happens to so many of us because we don't understand what we need to know.
And what I was saying actually to Gabby backstage, Gabby's the beautiful Ea of Victoria. Incredible and great pants.
How much you did for Gabby. You've got good pants, good pants, good pants, Gabby. That's a funny. I was saying to her that this podcast and your books. If I had been her age when this was around, that probably would not have happened to me, because I would have had some financial literacy.
I would have understood that that's a bad idea.
You shouldn't let anybody talk you into doing those things with your money, because that's a bad plan.
And so I really think.
That the value for me of being engaged in a conversation about money, about investment is to understand that it's never too late to start.
I think as well.
Like I'm old compared to you, but I'm young compared to some other people, So like, yay, it's all relative, and I think if I can get a handle on what I want to do, it doesn't have to have a time limit. I don't have to decide it's going to be by New Year's Eve all the time I'm forty, both of which are coming.
Then I think that that feels really reassured.
Do you think I'm in my twenties, because yeah, I'll take that.
I am Jesse me Wing. I mean, I don't know everybody. Everybody in the world seems younger than me. It's the votops And I love that for you.
Don't you.
Can I ask you about and obviously feel free to brush over this if you want to.
But what said if she doesn't want to answer a question, she's just gonna make a joke and then ask Jess a question. And I'm fine with that she does that, I feel like you might have sorry.
Steam out from mind anyway. Yeah, how did.
You get to the place in that relationship when you know you were in a place where you thought, oh, like this is fine, this is normal, this is a relationship because you didn't know differently, how did you get to the point where you're like, actually, that's not acceptable.
I deserve better.
So I think everything that had happened in that four years four and a half years was kind of a terrible trajectory of terribleness, and then you just get to the end of the roller coaster, a self finish being built, you just fall off.
That's how I think it feeled emotionally.
Essentially, we split and when I reflected, and it was messy and whatever, and it made for like good Instagram posts, which I've now deleted because that's cringe. But I think that the idea that all of that could happen and then I could walk away and be like, what the.
Were you thinking? Really hurt my head?
You know that's made of metal?
Yees, yeah, not my head though. I think it was just a real wake up.
And I think any person who's ever experienced a scenario where there in a relationship and I don't mean that necessarily romantically.
When we talk about relationship, you and.
Energy exchange between two people where you've both agreed to some terms and conditions that perhaps one of you skimmedoendly just signed it, read it. I think you just kind of look back and go, that was a pretty shit choice. Not I'm like signing up for a credit card, when you're eighteen in that she listens.
No, but legit, I think that we.
Don't know, don't know, but.
But it's legit right that you don't know what you don't know. And the older you get, the more reflection time you have. And you said something interesting, you were like, oh, if this was around when I was younger, I wouldn't have gotten in that circumstance. On flip side, if this was around when I was younger, I wouldn't have listened because I absolutely knew better, like I was really smart. Yeah, like maybe it did exist back because I'm pretending.
I has the Australian financial of you been around?
Do you think she's on the Money's three?
So probably like two years Paul.
Greenwood somewhere being like, sorry, I'm right here.
Let's talk about it insting, because that's what we are here to talk about today.
You wrote a whole book about it. I did.
It's crazy. I want to know, like you've invested before, how did you make decisions like that? How do you know what you wanted to invest in and what align to your values? Especially as someone who is like so clear about their value system.
I think the clearness about my value system is probably a new thing, but my aversion.
To risk that goes all the way back to nineteen eighty five, and that's how I am.
Ah.
And so I think about investments.
I want to do something that feel safe, because even though I made a joke about being unstable, actually I'm all about being stable. I want something that I'm like, I know exactly what's going to happen, and what happens if this happens, what about this? And I think in the context of my current life situation and relationship and that kind of thing, I feel really confident that I'm the decision maker in terms of that kind of stuff, and so I'm like, I'm not going to do anything
that's going to put our current comfort at risk. So when I think about investing now or in the future, I definitely feel like it's one of those things where I'm like, I want to be able to able to be as well informed as possible, but by people that I trust and people that I think actually care about what I want.
Not what my husband wants.
Because there's nothing I hate more than being like, oh, yes, just get your husband to give me a call about your mine in the bin. You go absolutely not ease not allowed to have any money.
It's all mine.
He owns his own business, so I have some and he has none.
Oh sorry, Michael, I'm looking up there like he's dead.
He's not.
He's like, yeah, you're dead to me though, So so same but different, I think, And I think also when we talk about investing, we know that every second person on our facebooker, our whatever social media is like I want to tell you about I was like, just let me stop you literally right there, because I don't care about your made up currency.
Oh we're talking about that.
Oh she had crypto bros. And just go and just keep going forever.
Anybody, Yeah, if anybody works in tech and knows how to get rid of those bots that are on every single Instagram post of Sheese on the Money that comments like we're like, hey, financial literacy education, They're like, I have an opportunity for you.
First person, first person to reply struggling gets five thousand shekels.
Git. They're like, I found financial freedom by following.
The capital letters brenda because obviously they're using a spreadsheet to do it, and it doesn't have a lower case.
It just caps no. But how do they afford these bots?
Literally spend that money, put it like, put it elsewhere. I was gonna make a recommendation that I'm not going to do that because I am callified to provide financial advice.
But I am, but I can't here later for the reasons. That was a joke.
And so I think that the idea that you was spend all your money on something like that, it feels like cheap shoes, it feels like cheap handbags, it feels like wastefulness.
The twenty year old me would have thought it was a great.
Idea to buy bots or followers or something, and I'm like, terrible plan, terrible plan. You should just buy god bullying than just safe and put it in there.
That is also terrible. Again, the legal is is that was a joke.
Oh my gosh, I just so horrified.
I just can't.
I'm not I'm not horrified.
Do you know what?
Gold is a good investment for people who want to buy gold?
There go, Yeah, I agree with that.
Let's move to non monetary.
Let's move away from all of.
That non monetary.
Maybe I will refiel my drink. I feel like I can only make it. I can do it.
I can do it for you. While you answer this question. I want to know investing in yourself is a theme that I see consistent in your content, which I am obviously very very behind. But what is the best thing you have invested in that is not financial?
When I bought my MacBook, It's going to sound enough now. But anyway, here we are, I've.
Ad all of this other stuff. I'm going to be worried about this part. I felt like that was I was backing myself, which I think is part of that you know when you're taking a risk, and that for me felt risky to spend a couple of grand on this device that I was like, do.
I really need that? But I'm going to write a book. I haven't written it.
Well, I have done a shit load of emails, I tell you no. But I think that was the beginning of spending money that I wasn't sure. I was like, oh, I don't know if I will ever get anything back for this, because I feel like that's what an investment is, right.
You return on investment is value that you get.
But the value and the joy that I got from knowing that I had spent that money with the self belief that one day I will write a book that I type dab typed on that little MacBook and that I could run a business and own a business because I could do that now because I had a computer instead of doing it all on my phone and be
like my eyes, I seriously so bad. I think that was probably one of the biggest investments, and I stand by that, like I really feel like that moment when I bought it, I've made my husband day visit from you.
Like the box. I was like, look what I did because.
I was really super proud of being able to do it and have money, which like I don't always to do that and make a big purchase.
That felt like, well, this could be a real waste, but it wasn't. I love that for me.
How do we see value the way you see value? So you just said before I was really proud of myself. You said, you know, I've made this investment in my future career. I feel like something that you know, I've struggled with historically, and a lot of people in our community have struggled with, is just being able to be proud of ourselves. Like there's this underlying feeling that maybe it's not enough. How do you get through that? Because I feel like you, you know, exude positivity and you're like,
I'm so proud of myself. I've done this, Like this is sick, Like you took a photo with the MacBook box. How do I be that proud of myself? How do we be that proud of ourselves, like taking a step that we weren't entirely sure of.
I mean, I think the reason that we don't feel that way is probably internalized.
Capitalism, because we never feel like we're enough.
And that's why people like Jeff Bezos exist and so.
He exists. It's a fact. There's nothing I can do about it, or is there.
I want to say, And I want to say this without sounding like I'm trying to turn it into a wittics'sm. I'm not lower your standards around what you think is worthwhile and valuable, around what you think is worth your time, lower the expectations that you have that we're probably given to you as a child.
And some of us would say we could talk more about it in therapy.
About the reasons that we assign value to the things that we do that are so beyond day.
To day life. This is a huge achievement.
You wrote a book you're on two fabulous shoes, thanks bab all achievements, but also many of the shoes, right, especially the shoes.
I mean my chef's.
Kiss, they do get a little bit foggy. I don't know if you can see my shoes.
She's really alive, that she's not a bosch, And so I told you I was funny.
They're lost.
And you'll get your check at the end.
So I think be able to fully comprehend that your joy has value, your time has value.
What you care about is important. It is important to you. It's important.
The fact that other people will be like, oh, yeah, but do you have ten million dollars?
No, and neither does a guy that hacked opt Us, So.
Maybe soon though.
He might though, although that's what I think, We're going to see an issue of a statement from some kid where his mum's holding his ears.
I have anyone in his rooms and the movie Hackers anyone? Yeah? Right. I feel like that guy watched Austin.
Powers and The Hackers back to back because he was like one milliondler, isn't He's like, no, no, no, no, no no no, I was joking.
Here goes hey, don't joke about it.
Our team are literally I'm not I'm not with Optis Nova Flex. I went with a cheaper carrier.
Oh, I went with the most expensive one because I'm a dick. Any likes money, don't tell me.
But some of our team are genuinely concerned about this. Is anyone else with optics, Like I'm yeah, okay, everyone's nodding.
Oh, I mean sorry about that.
Sorry about your data.
Terrible news.
Don't worry.
Don't worry. We're going to do a bonus podcast really soon about like how to protect your data because that's actually with four.
Quick tips on how to protect the th Thank you.
That was mis Jess.
And I think it's really brilliant that they are like, here, have access to your credit file and most people are like, what's a credit file?
And I love that because.
Hey, bring it to the mainstream, babes, come on down. But I think it's really important to talk about this stuff. And you know, our team are impacted by it as well as our community.
And I guess that's the summary of it. Like you're cool. You're way cooler than I ever thought I could be, which I can't be. But you're just you, just you.
Perst guys are really cool too.
But no, but it's one of those things like we share common problems, like we share experiences, and I think sometimes when you see three people on a stage with some microphones, you go, oh, they must have their shit together.
I probably wouldn't thought that until Tish gave us the fancy champagne.
Yeah, okay, would you say that you're someone who has their stuff together?
Like?
I feel like socially, like we look at social media and you look like you have your stuff together.
She doesn't watch my stories I do. I'm a creep chaos.
Stemen, a chaos demen, but with an attitude. I think that I don't have my stuff together? But who does people who say they've got it all sorted?
Do you though?
Because I feel like most of those people are men and they don't carry them mental load. Everything's under control?
Or really?
Is that?
Because like your wife took care of it, brother clap and you're not wrong.
I saw a meme the other day.
Pretty much liston the podcast will not understand the second LF I looked up as if I was walking at my omnipotent husband.
You're pointing to people in the crowd this, she's going to be the worst recording.
Honestly, we'll have to do a like full image description of.
The entire that's all right about it, We'll do it. Accessibility is the tits.
Yeah, describe that.
I can't wait came for, because I'm sorry, and you're welcome.
If you came for genuine financial literacy. I feel like, just read the book because that's this isn't what's in the book.
I haven't. I've definitely read it.
Before we let you go.
I just wanted to talk a little bit more about kind of a place where your passion comes from, about visibility and diversity and accessibility and inclusivity, because I think like the big reason that we're talking about investing is so much is because we want that to be accessible, but there are so many other facets of life where
that's not the case. And we were having a really good conversation about it backstage, and I thought, just before we wrap up, I would really like to share that with everybody because they think it really leans into having those open conversations regularly and normalizing it. And I think you have a really hot take to share with us, So I want to do it on stage, if that's all right.
Sure, So I think what you're referring to is what we discussed about the fact that people who live in bigger bodies, or in my case, fat people because I'm not scared of the web, fine, are often excluded from financial opportunities. In the workplace, Almost fifty percent of employers have admitted that they hold a level of subconscious bias around hiring people who are, in their.
Eyes, overweight.
So there's a higher likelihood that people who are fat will get less employment opportunities, less promotion opportunities, will be considered less intelligent by their peers and superiors. And so I think we're talking about investment, and we're talking about money.
The idea that we at the very core of even getting money, How do you get money to invest?
You don't always have an inheritance or a lot of win or some other made up thing that you dream about when you're a kid that gives you instant bank account. Mario, buddy load, that's right, that noise when the Maria, you know when I'm.
Not gonna do it, it's fine.
And I think that the idea that we are already disadvantaged in that way, and I know that I'm thinking very about this particular niche of people because it's where I hang out, being a fat brown person and a woman, a non man.
Like the trithecta.
Oh, I mean, oh, there's a lot of intersections. It's like a cobweb.
There are as many intersections as there are people, and there are also in that same vein as many opportunities for someone to choose to. I mean, if we're gonna talk red pill, blue pill, I guess that choice of will I give this person a chance because they're the best person for the job, or will I lean into my unconscious bias and just do what feels right or what I've been influenced to do by other people.
Because people are like not all of them, but lots of them are terrible.
Then I think we know that the opportunities for someone like me to become an at an age where I feel like I have a long future of stable financial confidence in what I've invested in is lowered instantly for me because.
Of that simple factor.
And it's not something that has any real effect on my ability to be a good employee or be someone worthwhile of earning the same amount of money as someone else, but in other.
People's lives potentially it could be.
So I think it's important for us to recognize that conversations about investments start with money, and money starts with how you get money, and.
That affects people differently. So I think that's something to keep in mind. And I think also.
The idea of our wealth, what we perceive to be wealth, when we have a slightly different view on that as well, what makes us wealthy? I think investing so that you have financial security is a key part of that, a cornerstone of that, because that allows you to be able to be more flexible with the other ways that you spend money, spend time and effort and energy.
Yeah, and you're so right.
Like we talk about how women are behind the eight ball financially, and we know that the statistics show us that, but we don't talk about enough how women of color are two steps behind again, and we don't even have as much data to back that up, because when we do the research to find that out, the data doesn't break it down that deeply, and it becomes even harder to then identify these nuances within society where people are not receiving the same advantages and they can't get as
far ahead and then it feeds into a narrative of oh, well, maybe it's your fault, maybe it's something that you did or a choice that you made. And I think that it's really hard to overcome that I don't have an answer, and I wish that I did. And as I'm speaking, I'm like, well, where's the nice bow on the end of this where you say, well, this is how we
fix that? And I don't think that there is one, but I think people like April who are talking about it so vocally, and people like us who continue to have those conversations and showing the spotlight on I think it's really important because in a dream world, we'd all have everything that we want and that bias wouldn't impact those decisions and the employer would hire the best person
for the job. And it sucks that some people have to fight harder and longer the less And I don't know what the answer to that is, but I like to think that everyone being here and everyone talking about it is helping at least a little bit.
Absolutely, And I think that being able to have a thought that you couldn't have before because you didn't have any knowledge, understanding or experience, you know, when we think about, like we talked just briefly about accessibility. When that's something that comes into your mind because it's part of how you live, that's better, that's better than it was, and
that like miles to go before we sleep. But still, when we're thinking about the ways that we can ensure that we are doing the most, we will do more.
And when you know better, you do better. I love that.
I feel like this is arguably a perfect place to leave this because from my perspective, same as you, just like, there is no like golden egg and answer to this, But I think small steps are still steps in the right direction. And if we all, I guess, commit to doing the best we possibly can, that's all we can really ask of people, because you, again, you just don't know what you don't know when it comes to accessibility.
Like I have learned so much in the last twelve months just even introducing events to our community where you know, I have these beautiful community members that need different accessibility and I want to provide it. But the idea that that's not stock standard blows my mind. So yeah, I think let's wrap it up here. You know how, at the end of every single podcast, we like wrap the boring but important stuff. Do you guys want us to do it now? Or do you want us to like
wait until after we do it? Now? Do it now?
Yes?
Yes, she thought, she was like, oh, we'll just record that later in Joperty in the all right, all right, wrap the boring but important stuff.
All right, everybody, please don't forget the advice shared on Cheese. On the Money is general in nature and does not consider your individual circumstances. She's on the Money exists purely for educational purposes and should not be relied upon to make an investment or a financial decision.
And we promise.
Victoria Divine is an authorized representative of Infocused Securities Australia Proprietary Limited.
Three four three.
Two four six three zero five seven. Oh I knew there was a seven. I really didn't not putting that on there?
I help, did I helped?
Guys.
I cannot believe that all my best friends came to hang out with us in Sydney, Like, stop laughing, it's not funny, but I'm genuinely so grateful that you all came to come to an investing book launch, like.
Blame you nothing else?
Are you are right?
And on that note, thank you so very much for joining us. We hope to see a bunch of you outside. Thank you, April, and thank you