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. Welcome back to my favorite episode, money Diaries, where we get to talk with one of our incredible She's on the Money community members all about their journey. Let's jump straight into it, because this week I got a message and it sounded quite literally exactly like this. Hi, Victoria. When I was growing up,
my parents went bankrupt. Because of this, we hated people with money and I believe that people who were rich were bad in some way. It took me a while to get over my quote money is dirty mindset. But a few years ago I started a business and I now earn over seven figures. I helped support my parents, but was really worried initially how they would feel about me being rich. Money Diarist, excuse me, are you a seven figure business owner? I am, Oh, my gosh, how cool?
Is that?
The real deal?
Kind?
Oh my gosh, not some MLM just checking, Not some MLM, no multi level marking, not like sold.
My house, and in that same year then claimed that it was seven figures in business revenue.
None of that, none of that. Oh that's actually genuinely impressive in that case. Congrats, I'm so excited. Let's dive straight in. I asked this at the start of every single episode, money Darist, what grade would you give your money habits from A through to F.
I'm going to give myself a B plus.
All right, I want to know so much more about that, But let's dive into my favorite question of all time, money Diarist. Can you tell me a little bit more about your money story?
Yes? So, growing up I believed that money was dirty, and that people who were rich were assholes, and that anybody who had money was probably sinister in some way because my parents believe those things, and so I have had Really money is dirty. Successful people are evil. Everyone only wants power, and that if you have money, you are selfish. And that has been my money story, honestly. I'm thirty three now, for probably most of my life.
I think I really became aware of my money stories at around age twenty nine, and I started to realize that those money stories were really unhelpful in actually earning and receiving money.
It is very, very true, and it makes me so happy that you've changed your mindset. I don't know what you do yet because we don't ask a lot of questions of our money dirests. I mean, my producer might have, but I don't because I always like to be really inquisitive and genuine on the show. But I have a sneaky suspicion what you do now because of the way
you're talking about mindset and growth. And I don't know I'm going to call it, but I want to know, now, my friend, what do you do for work and how much do you earn? And is there some level of mental ship involved in your role? Now?
Did really? Yeah? So I started out business doing events and quickly moved into mental So I am now I'm a bit on online business coach and currently making seven figures, and I think that's really important. Last year we turned over one point twenty five. This year on track to turn over two million.
I'm in the wrong business, certainly, are not? But well, I didn't make two million dollars off this, did I?
Rude? Guys? I've actould pay a bit more. No, to be clear, though, I pay myself one hundred and twenty thousand dollar wage, So I think that's probably really important to be clear on.
So tell me how that works, because I'm very similar, Like if you looked at our business revenue, that's very different to what I get paid, and I think it's really important to be clear on that as well. So tell me, one, how did you get to that number? Because obviously, in a business that makes seven figures, you basically could have picked a lot of other numbers. Why one twenty And what does that look like into the future?
Yeah, so that one twenty number mostly was recommended to me initially by my accountant. However, I've done a lot of research since then, and what it really looks like is that once you go over one hundred and twenty thousand dollars a year, you get tax at a higher rate.
And so for me at this moment, it is more beneficial for me to let the additional profit that the business earns pile up in the bank account so that we can continue to reinvest it in the business, continue to reinvest it in team, in upgrading our services, in
mentorship for ourselves, in those sorts of things. But for the future, what it looks like is that in the next twelve months I will be looking to pay myself quite a lot more because we are looking to purchase some investment properties, which means that I'm going to need to liquidate some of that income well, so that profit that sitting in the business and kind of bring it into my own personal accounts that I can use it.
Yeah, but if you do that, and I mean, this is not a business episode, but I'm sure that we will one day collaborate and do a business episode together. But when you work with your accountant, can actually be a lot more efficient than just paying at the highest marginal tax rate. And obviously this is not me telling you how to suck eggs. This is just for context
for people listening to the podcast. But there is a way to take what's called director's drawings, which is taking a significant amount of profit out of the business at a lower tax rate, because there's a plan in place for it, which I think is quite cool to understand as well, because you go, well, why would you know this money? Diar is not pay herself as much as possible,
and there's a good reason for it. And I like talking about that because I think a lot of people just assume, if you know, my business is successful, obviously Victoria has a really high income, and I'm like, hmm, that's actually not the case totally.
People are like, oh, seven figure's business and you must be so rich, and I'm like, well.
Actually, like my business is doing all right.
Liquid cash is like not quite the same, you know. So yeah, it's really important. I love to talk about that publicly because I think that's not enough people who are in business are speaking about that.
I love that. All right, We're going to go off script here because the next question is not working for me right now. I want to know more about your journey into this, Like how on earth do you go from being like, oh, money is so dirty, and I know you don't earn it per but comfortably having a business that turns over seven figures. Like, how do we get there ourselves? How did you even start in business? Like, I don't want to replicate your journey, but how do
we have the confidence to go? Actually I can do this? Like what were you doing before? How did this work? You said your parents went bankrupt. I'm making a grand assumption. They weren't business owners.
So what happened was my dad he actually did try his hand at entrepreneurship, and so he owned a corner store I guess, like a deli, a milk shop, whatever you want to call them, but a corner store. And he just had no idea what he was doing and eventually just kind of ran into the ground because he just had no idea. And you know, my dad's full of inflated egos, so didn't ask for any help, didn't get any support, and eventually, you know, drove our businesses
to the ground and sent us bankrupt. So when we went bankrupt, I was seven. So that really pivotal age group where you.
Would remember it. Yeah, that's when your money story starts to form.
When you really start to see money as a thing, right, And so we lost our car, we lost our house, and not long after that, my parents got divorced, and so that really created this fear around money for me, Like, wow, if I one could make one mistake and I could mess everything up, and so, you know, going to school, going to university, going into life. I played it really safe for twenty eight years because I was like, I
don't want to end up like my dad. I don't want to end up, you know, struggling to get by. I don't want to end up. He couldn't leave the country for seven years. He couldn't get any credit cards, Like when you go bankrupt, you don't have access to so many things, and so we were really limited in
what we could do. How I fell into business was I met a lovely man who is now my husband, and here in the gym, and every single morning he would wake up at like four in the morning and he would bounce out of bed and he'd be so excited to go to work. And meanwhile, I had a great job. I worked for a really big international company. I had a really cushy office job that was earning you know, six figures. I had a great job. I'd
clawed my way up the corporate ladder. I'd done all the things I thought I needed to do, and I was wake up in the morning and I'm dragging us out of bed because I didn't want to go. Yes, you know, and every morning at four am he was getting up, but he was excited.
I mean, four am is a lot. I love my business, I love my life, but four am is still not an option. I'm really sorry. I've just got to put that into context. No, I'll happily get up at six, though, and I do wake up very excited to go to work. Is that where you're at now?
Well, you know, I married this man, so we are definitely early rices.
But red flag.
You're like, we can't be friends. Sorry.
Yeah, I'm really sorry. Text me after seven.
I'll just schedule an email. We do wake up early. I do get excited to wake up in the morning. Yeah. I do wake up that way now, And you know, not every day. I think there's a lie that says, you know, if you love what you do, you never work a day in your life. And I think anyone who is in business for themselves or runs their own company will tell.
You that that's a lie.
That's a lie, Like there is definitely work involved, but I was inspired by him. He was so excited every day, and I realized that there was a level of joy that I was missing out on in life, and there was a level of passion that was really missing within me. And so I started going to self development seminars and just really trying to understand, like, what am I passionate about? That's not at the time tinder, yeah, wine, you know, going out with my girlfriends on weekends, Like what is
this person actually passionate about? And as I started to peel back the layers, I ended up getting into an event's business and it just rolled from there. Eventually people were asking me for mentorship, and then you know, the big sea, the big COVID happened and we had an event's business that shut down and we just rolled forward and then that's how I kind of got here.
I love that, but that's also a story to arguably unpick as well. How do you go through a business basically having to shut during COVID and you go but I can still do a different business, Like was this something that you're already doing? Was this super stressful? Are you just like completely sweeping over the fact that that was arguably relatively traumatic to have to go, oh, I'm getting rid of my events, because that would have sucked.
You just had built this beautiful business up, and if you're business owning, you know that your business is your baby. Like that doesn't sound fun. So what was that actually?
Like, Yeah, it was obviously awful. And you know, my husband also had a gym which could no longer operate.
Oh, those are two of the worst hit industries.
Arguably, we had no idea what was happening. We had no idea when it was going to get better. We had no money coming in, and when it all first happened, there was no government funding and even my husband actually wasn't even eligible for it in the end anyway. And so I just remember sitting down with a piece of paper and going, I need to now start to leverage other skills that I have here. I had been doing some mentoring on the side at that point that very
very minimal amounts. It was interesting what happened. I kind of just lit up into passion and I was like, my first ever program was around pivot, and so it was really around like I took them through this activity of business owners what it might look like to pivot in this environment right now, how we can leverage and use other skills. And I priced it really affordably at the time, and you know, I got twenty or thirty people in and they loved it and they raved about it.
So cool and compounds after that, right.
Yeah, and then I was like, this is what I meant to do.
Oh, I love this so much. That makes me so excited for you. I'm glad I asked some more perfect questions before getting back on track. Let's go back on track, because I feel like we're going to go offer fair a few more times. Obviously, we now know what you do for work and how much you earn, and I guess how you got there. But what are your big
money goals? You mentioned before you want to buy some investment properties, But what I guess are the top three money goals you're currently working towards.
So we want to buy some investment properties, and we want to buy one a year for the next three years. That's the plan. And so we need to be able to ensure that our business is operating at a certain profitability percentage, to make sure that we have the cash flow in the companies to be able to do that. And then we have to work strategically with our accountant to get the cash out at the you know, most
minimal tax rate that we can. Of course, that's our number one goal at the moment, to be completely honest. We have a little bit of debt on our current property that we live in at the moment. We are working on paying that down and getting some equity built up in that as well. Our long term money goal is that we would love to have a dream property that we really want to build out on a piece
of land, you know, is the dream. So that's going to probably cost us around I would say two million, two and a half million to buy the land, build a property that we want, and so we are working kind of towards what that would look like.
That's really exciting though. It feels like you've got a lot of clarity in that vision as well, like this idea of like I want to buy one investment property year. That's kind of cool, but I want to be more pervy. Am I allowed to be more pervy?
Go crazy? Perfectly?
So?
Obviously you have a seven figure business that's very sexy. Your partner is an entrepreneur as well. What kind of income is he generating feel like this is a power couple team sitch. What's going on on the flip side.
So he has a gym yeap that is earning high six figures, very cool, And my business is set up as a company. He's a set up as a trust. Yeah, and so we are in the process of reorganizing all of this and restructuring at the moment. Because it's a trust, he gets one hundred percent of the profits that he can diversify how he likes, and so he is arguably more well off than me in terms of how much
he actually receives and pays himself. But yeah, power couple in saying that, I think probably in pocket it's one hundred and fifty to two hundred thousand dollars a year that he's pulling in.
Yeah, that's quite cool, and it's just nice context to have because sometimes we ask these questions and we go, okay, well, like one investment property a year, that's fantastic, But you've
also just said you only pull out one twenty. Yes, you could pull out more for equity and all of that, and you know, deposits, But like, what is on the flip side of this, Like what's your partner contributing because at the end of the day, obviously double income is double power and is going to enable you to be able to achieve these goals. I want to ask a bit more about these investment properties though. Are we buying a million dollar property? Are we buying five hundred thousand
dollar properties? What do these investment properties each year kind of look like? What's the budget on those?
Yeah, so we're looking around. I mean, it depends on what we're buying. We've actually got some support with this from a company in Australia that helps you to find the right investment properties for your goals. And so we are looking around the five hundred to seven fifty mark for the properties. We're not buying dream properties.
You're buying investment properties.
Yeah, properties that are set in good areas, that are set to go up, that are set to rise, that have good rental yield.
Okay, I was about to say, what are we going for? Are we're going through growth? Are we going for rental yield? But you have nailed both and that's really exciting. Let's go to a really quick break because on the flip side, I want to know about your current investments, your current debt that you mentioned and your best and worst money habits. Because I feel like I've got a lot to learn from you. So guys, do not go anywhere. All right, we are back and I want to dive straight in.
You mentioned that you have a very aggressive goal of buying three investment properties over the next three years, which is very very exciting. But you currently invest if so in wash If not? Why not?
Yeah, so we do invest. I did the crypto thing for a while and then lost a lot of money.
Wow, I'm so surprised.
Yeah, how weird.
Right, I'm so rude.
So sorry, No, you are so fine. It was just one of those things like in the business world, and you will know this Victorian more than anything.
Like, there are a lot of males, really yeah, have you had a finance.
Very much the same except that probably they're a bit smarter.
I don't know about that.
So we have a lot of guys and being like, yeah, this is going to go off. You'd be crazy not too. I made eight figures on these blah blah blah whatever. Yeah, yeah, so you know, two good to be jury. Let's throws of money in there and low and behold, let's get our money out of there before we sink it to zero. Yeah, it would be awesome, So we did that. Now we do have investments, we use Vanguard, so we do just split it up like just across the five hundred top companies.
Like it's very much just a low return. I think a seven to eight percent return on investment. We've been doing that for two years.
That's pretty good.
Yeah, I mean it's better than sitting at.
Your bank account one hundred percentity. You mentioned Vanguard. Why Vanguard? What research did you do before making that decision? And I guess why that one?
Not a lot? To be honest, I've had some money mentors. So I've had some mentors who, in lots of different ways have been making a lot of money. So we've had some real estate mentorship, We've had some investment mentorship, and we've kind of taken what we've loved from all of them. I don't believe any one way is right, but it's definitely something that I've invested in learning about. I think that with money, you know, when it comes to getting a financial advisor, you can't just put your
entire trust in somebody else's knowledge. I think when it comes to your money, you really have to take the time to upskill and understand for yourself what it really means, instead saying that the Vanguard it was a really easy process for us. It seemed to have like really strong brand name, really strong return on investment, Like it was very solid, and it felt very safe for me as a first dip in. So we just took the advice
that we were given. I threw five hundred dollars in there a week and so that just over time has just built and built and built and built, and now I think we have about forty or fifty thousand dollars in there, which is really nice.
Yeah, that is so cool. I like to be pervy because I'm always like, well, how did you make that decision?
What did that look like? Where did that go? Because obviously I've heard of Vanguard before, but I like understanding how our community members come to the decision to invest in a particular asset, because it can be overwhelming, it can be uninspiring, it can just be, you know, something that you put off and I'm so glad you didn't because look how much it's compounded over time and that return on average and that seven to nine percent that you mentioned that is actually on track for meaning that
your money will double every ten years. That's really sexy. Your money is going to double every ten years if it stays at that interest rate, which historically it has Like sorry, but slay.
And I think like the biggest thing for me was like I grew up hoarding money right because I was so scared that it was going to disappear at one stage, and so it had to be a safe investment initially, Like so he invested in bangal before he invested in crypto because I was so scared. I was so so
so scared to put my money into something. But I also had done so much research and everything said that if you just leave it in your bank account with inflation and all of the things, like, it's just going to go backwards. And I truly believed it, understood it from a core level, and I was like, I have to do something with this money.
I love this. That makes me so excited. All right, let's move on from investments. I want to know about debt. You mentioned before that you currently have some debt on a property. Talk to me about that. Why does someone who has a seven figure business still have debt on their property. I know why because I do. But we're just asking for everybody else involved.
Our properties a million dollars. I would love to have had a million dollars to sink at this thing.
All the same same.
Yeah, that would be amazing. Look, I again have done a fair bit of research on this, and you know, I really believe that debt, if structure correctly, is actually a really powerful way to grow your wealth. And so we have been doing a lot of research on the fact that, like, if you can put down the investment and you can pay it down and you can get people in the property the way that debt is structured.
And I won't get into it too deeply because I'm sure you know, but it's quite tricky that it feels really safe and really good. So for us to finance the house and still have the cash flow to be able to finance another property was more important to us than just paying down the debt on this one.
No, I agree wholeheartedly. And it's interesting because I think that there's this grand assumption that if you have a seven figure business, you wouldn't have any debt, right like you just own all of your assets out right, And to me, that doesn't make a lot of sense when you actually start to do the maths. So let's just go with the averages. So the average mortgage at the moment is about five point six percent, or that's what you know we're looking at at the moment with the
current market. And you just mentioned that your investment portfolio is returning seven to nine percent, So you kind of look at the maths and go, if you're making smart money decisions, maybe I would be investing or putting my money in an offset account to my mortgage to bang up. And I like having these conversations because I think that money can be really overwhelming and it can make you
feel like debt is the absolute devil. And please don't get me wrong, there is a difference between good, bad, and okay debt, and I have been in bad debt and that was the devil. Like, we do not want to be in lots and lots of personal debt, but now I am in lots of wealth debt, and I do have a property and last year my husband and I bought our first investment property and we're so excited about that. We're in millions of dollars worth of debt.
But once you have that financial security and that freedom, and you know some money in your offset, and you know that you're using your equity to leverage yourself into the next property. You're not thinking about the next twelve months. You are when it comes to mortgage repayments, because that's terrifying sometimes, but you're actually looking at, Okay, well, what does this look like in the next seven to ten years,
what does this look like in twenty years? How is this working towards me supplying my family with a level of financial freedom? And they're the decisions that we're making. So if you boiled it down, I mean the debt you're in, the debt I'm in, it's terrifying on paper, but once you have a bigger idea of what your
financial freedom looks like and what you're working towards. Unfortunately, and I'm probably preaching to the converted here, because you would know that there is only so many hours in a week that we can work, like, we can only generate income, Like, let's pretend for forty hours a week, and then how is our money working as hard as we do for it? So how do we put it to work so that it's creating wealth for us while
we are sleeping and that's a privilege. Like, obviously you have to work really damn hard and sometimes luck comes into it, because there are lots of people out there that work really, really hard and still are like Victoria, There's no way I can run a seven figure business at this point in time. I have three kids, I'm a single mum. Like, this is really overwhelming. I totally get that, and I don't want those people to not
feel heard. But I also want you to go wow, like there's options on the table for me to create a different life, and you've done that, and that's so cool to go. Hey, I grew up and I thought that, you know, people with money were dirty and slimy and icky, and I never wanted to be one of those people. And now you're one of those people, and you know that that's not the reality of the circumstances, Like that's
not who you are or what that actually means. So I want to know what do you think your best money habits? I want to learn from you, but also I just want to copy all your best money habits because I feel like you've got lots.
So I read ten pages of a book on finance.
Do you want to be hired by she's all the money because I don't even do that.
I have one hundred and twenty caps. So if you can just make sure you meet.
That, yeah, easy done. Well, you read ten pages a day. It's small than I do.
But I've only recently made that commitment to myself, and I'd be lying if I said it was every day. It's not about three days a week.
But that's good. We've got a goal.
Yeah, we have a goal. Every day will be ideal. It's also dry.
FYI guys, hold on, hold on, hold on, hold on which book you're reading? Is it mine? Because if it is, like we need to cut this out?
Oh my gosh, no, it's not yours. I have read yours both.
I'm joking. I'm assuming you wouldn't be as silly as calling my book dried to my face? Right, yeah, no, fashion, I'd be like, Wow, this lady has audacity.
I like it. Yeah, she's hired. So I tried three ten pages of a finance book. And the other thing that I think that my best money habit, to be honest, is I track my cash really well. So having a business, you have to understand the numbers, like, yeah, I have avoided the numbers in business, many men many times, and I have almost lost businesses because of the avoidance of
looking at numbers because of fear of money. And so now I have dissociated self from the dollar figure, which I think in Australia we're just so culturally conditioned to our worth is tied up in what we earn or how much money we have, and it's really hard. Like, for example, a lot of people won't start a business because they're terrified that they won't make any money. And what they're really terrified of is you know that people
are going to say no to them. They're gonta get rejected, that means something about them if they aren't able to make the money that they want. And so I'm really passionate about making sure that i have dissociated self from dollar figure, and so I'm really good at looking at my numbers, really good at tracking the income, there are goings and those sorts of things.
I love that. I think it's really important to make that you aren't the money you earn. I think that that really aligns to that historical belief you have that money is dirty and the people who have money are dirty because the reality of it is. There are slimee bags who are worth nothing, and there are some really really gross people who are really really rich. But there are also some really rich people who do really beautiful things for our world. And it's actually a choice as
to who you become. It's not the money's fault. It's actually yours for being all consumed by it. And I think that it's a really nice point. But I mean, you're in mentoring, so it would be naive of me to not try and take this opportunity. What would you say to people who you know are listening to this and going, Wow, she's so inspiring, Like she started her own business. She's gone from having a mindset that I
might have. How can we inspire those people to take the next step and maybe just give it a go, Like give it a shot, like work out what they want to do if they want to start a business, or even just add a revenue stream to their lives. Like what would be your advice to them?
I'm going to say two things.
You can say as many as you like. I'm here for it. If this is basically free coaching, guys, she has a seven figure business. I'm assuming it's not cheap.
So The first thing I'll say is like you have to be pasted about it. It has to be something that really lights you up, because it's not always fun running a business, and there are a lot of like, you know, not fun things you have to do. I think in anything in life, anything worth having, isn't always fun. Like if you know, we own a gym, if you want to, you know, get fit or lose five killos or build abs, like or you want to become an athlete, like you have to do the boring work as well
as the fun stuff. And so I think that as the case in business as well, Like you have to be okay with the fact that sometimes it's not going to be fun, but if you're passionate about what you do,
it will be so much easier. So find the thing that you're passionate about, and then don't quit your day job, Like don't quit your day job, like make sure it's working, like learn like understand the numbers, Like money coming in is not all your money, Like I did believe that when I first started my business.
It's sexy though you see it and you're like wow, and then you realize you have to put thirty percent aside for tax, and then when you start making more money, you're putting ten percent aside for GST and it just becomes less and less sexy. And then you hire someone you're like, wow, they actually cost money. That sucks.
I work with a lot of startups, and I think that in the very beginning, like oh, oh my god, I mean ten thousand dollars this month.
I No, you didn't, Yeah you didn't.
And second of all, when we actually look at how much they spent, usually they spent like nine and a half thousand. So if you quit your day job, you're going to find yourself really quickly in some really hot water. And so stay in the day job. Learn to love the day job. For the stepping stone of is like starting a business from scarcity and desperation to get it off the ground and needing the money to come in so you can pay for your food is never going
to grow a business. The energy that is poured into that. You can feel it, guys, like if you're on social media, you'll have people sliding into your dms and do a gross stuff right and like it feels duck.
Yeah, it totally does. That's such a good point.
We don't want that in our business, and so just two things. Find what you're passionate about, staying your dayjob until it's really really working.
I love that free advice from a seven figure business owner. Look at me literally giving you guys hot tips. All right, let's bring the mood down.
Though.
That was fantastic, But we now need to know that you're a real human being. What are your worst money happens.
I definitely have a light addiction to online shopping.
Oh same, yeah, it's not light though.
My husband this week was like, there are parcels coming every day, like you need to stop, but it was on sale, so and also it's just changed seasons. So that is something that I've given for the next month. For all of November, I have made myself the commitment that I will not buy.
Anymore, no spend November. I like that maybe I should implement that. I feel like it's a good idea.
We can do it together if you like, and we could hold each other accountable.
I did it last year with the community. Maybe we should do it again because I think so many of us are also prepping for Christmas and everything's overwhelming and I'm very click happy at the moment, like baby stuff like, you wait one day if you decide to have kids, My friend, there are so many cute outfits.
And they need all of them.
Obviously, they don't even exist yet in this world.
They are so worthy.
They've got a whole wardrobe, so good. But I totally get that, and I really really like that you feel like, no, actually, I'm just like everybody else. Like some people just don't shop online, but there's always something like I feel like, especially when you're stressed, I feel like going online and I'm ready in front of my computer. Ninety nine percent of the time, I'm like, oh, I'll just have a browse on the Iconic and then next minute there's a parcel at my door.
It's the ads. Like I was literally doing work the other day and an ad just popped up on the side and I was like, oh, there's that dress that I forgot to buy.
Don't tell them it's working. Stop that. But it's so true. It's like, Oh, I was looking at that last week. You're right, Iconic, I do need that. I do need that. Thanks for the reminder. That was very friendly and definitely not self indulgent of you guys.
Thanks for being so helpful.
Yeah, so helpful. I love it all right, Well, money direst we have had a really beautiful chap. I'm just obsessed with this idea of people changing their entire money mindset. And this is such a clear story of you going from money is dirty, money is gross, all the way through to money is abundance and money is freedom, and money is going to help me create this financial freedom.
You just have this clear plan of being like, no, no, no, I'm going to be working with my accountant and basically buy as advocate, and we're going to be buying three houses, and these are the budgets for those houses. And you also have this bigger, I guess long term goal of settling down more with your husband and building this beautiful home on acre region that's so sexy, like so exciting.
Do you think that your b plus is reflective of where you're at and if so, why, But if not, what would you change it too?
I do think it is. I think that there is always improvement, and I think that I definitely don't know everything. I really want to start learning a little bit more about superannuation and a few other things, and so I would say that, like, I'm probably doing pretty okay you know, because I have had the commitment to up leveling and up skilling in this area, but at the same time, there's so much that I still don't know, and so I think that there's a lot of room for improvement.
I love that, and I love the clarity on that. I think that that's really really important. Money Diarist, I have adored this chat. I've decided we're going to be friends outside of money dires, like I do with most money dirists. This happens all the time, but unfortunately that is all we have time for today. So thank you so much for being so open and sharing so much and also giving us some like free business tips, like
that's really cool of you. But I have adored this chat, and I know our community will too.
Thank you for having me.
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