MONEY DIARIES: Working Hard & Acknowledging Privilege!

Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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 another one of our money diaries where I get the very exciting privilege of talking to one of our incredible She's on the Money community members all about their money story. Let's jump straight into it because this week our team got this message, Hi, She's on the Money. I'm the youngest of five in a family where we weren't taught

Thank you for having me on. Yeah.

For me, we're just so lucky to be able to have this help. My fiance and I are extremely hard working. But if we have the ability to use I guess generational wealth, you would say why not?

Yeah, I absolutely agree, And I think the important thing here is first things first, nobody in this situation is being taken advantage of. But then secondly, we really need to kind of break this down because how many times do we, you know, flippantly say things like, oh my gosh, it's the bank of mom and dad, and like, we don't mean it in a super negative way, but that

So and for us, we at the start, we weren't going to tell anyone, and I think it was because of that shame well we didn't save that money ourselves and things like that. But at the same time we yes, the Bank of Mum and Data have helped us substantially with the deposit, but at the same time we're going to pay that back to them as well. So it's not a handout. It's just, hey, we want you to be able to pay less to the bank and some back to SO.

And I'm super glad that you've kind of prefaced this conversation with going I want to talk about this privilege. Like you already know what's a privilege. It's something that's not extended to absolutely everybody. But we're going to break it down. So let's jump into the actual interview part of this podcast. The question I always ask first is money, Dirist. I want to know what grade would you give your money habits from A through to F.

I'd probably have to give it like A C plus.

Ooh, a C plus.

Or like a B minus minus.

Or B minus minus. I've never heard someone give themselves a B minus minus. But let's learn a little bit about it. You said in your letter into us that you would describe your mam as financially loose and your dad is very conservative. Can you tell us a little bit more about your money story.

Yeah, So, like you mentioned, I'm the youngest of five. So for us, my parents had my brother when they were really young and then four kids, like had me when they were twenty years later they had me.

Hey, yep, and they've been married for fifty two years. Oh my heart.

They're doing something right.

They're doing something right?

Is the answer? Just having lots of babies over a long period of time.

I don't know.

I mean it's working. The science says yes.

The science says yes. They also work together though, so they own their own business. So for them to live and work together and have five children, I feel as though, yeah, they must be doing something right because that just seems like a rarity.

Yeah.

No, Oh my gosh, how good. So what did they teach you about money? How did you grow up around money? Was it something that made you feel good, awkward or was it not disgusted at all?

Like?

What was that like in your life.

Yeah, it wasn't really disgusted at all. I mean, my older siblings may have had a different upbringing to what I did because they are substantially older than what I am. But for my brother and I, we didn't really Yeah, there was no discussion around mine.

You know.

My parents owned their.

Home at the time, they had their own business, and we went on holidays, we did all all the things like I just we never talked about money. I guess we didn't really have pocket money or anything like that though, but we never went without. And that's something that now that I'm an adult, I realize how amazing my parents were. They were just Oh, I have so much love for my parents. They're just amazing human beings.

I can tell by the tone of your voice that is the best to hear. All right, next question I've got for you. Tell me what do you do for work? How much money do you own?

So I am.

In marketing and I earn one hundred and ten thousand dollars a year, plus I have a company car, so I don't pay any car expenses.

Ool, very nice. Is that included in your salary package? Or is that like above and beyond the one ten that's above and beyond.

The one ten.

Oh, very sexy. We like that. How did you get your career in marketing? Like, what did you study and what type of career progression have you had over the years.

So I actually started off as a receptionist in the automotive industry, which was, you know, minimal wage, and then I worked my way up. So I worked in sales and finance within automotive, and that's where I started to

What made you go from working in finance, which arguably can be relatively lucrative, and I'm assuming that there was some level of base salary and then a type of commission on top of that. What made you go from that into marketing?

I realized probably about two years after doing finance that I really disliked it.

That's not my experience, but yes, it was more just I had.

No work life balance. I was you know, personal circumstance. I was quite depressed that sort of thing, and I said to my boss one day, I said, I quit like I'm done.

Oh my god.

And he said to me, he said, you can't leave. And I said, watch this. Yeah, I don't want to do finance and he said, well, he said, I want to keep you. What do you want to do? And I said I have no idea. And he said, why don't you give marketing a go? And I said, I am the most uncreative person like that exists. I swear like I don't think that I'm creative at all. And he goes, just give it a go. I'm sure you'll like it.

Anyway.

Seven years later, here, I am absolutely loving my job.

Oh my gosh. And are you here to tell me also that marketing is more about strategy than it is about creativeness. Is that potentially where we're going with this?

Yeah, definitely it is it. It's completely strategic. The creative is just one tiny components.

I love it. I love it, you know. Personal anecdote here, my husband works in marketing and he works in the analytics side of marketing. And every time I tell people, yeah, like my husband in marketing at this company. They'll be like, oh my gosh, how cool, Like that company's branding is epic or this that the other, and I'm like, oh no, no, no,

Definitely, And I think that's one thing that people look at social media and they go, oh, that's marketing, and I'm like, no, that's like five percent of my job. Yeah, exactly, it's very minimal of what I actually do.

Yees.

So I had been in marketing now for about seven years, but it was only two years ago or two and a half years ago that I decided to get my degree. So I was working full time and studying full time during the pandemic to do my Bachelor of Biz measoring in marketing.

So congratulations, Are you glad to have some level of work life balance back now?

Definitely? It makes such a difference. I love my job, I love life like it just it just makes you feel good to wake up in the morning and know that you're going to a job that you really enjoy.

Now you don't always have to study to work in a specific area. I think there's this big common misconception that you absolutely need a university degree to absolutely thrive. Obviously you already had the job, like you'd been working in the job. I would assume very successfully for five years before deciding to do the degree. But what made you want to go back and study and actually get that qualification? I guess why would you choose to do that after having the job already.

I think looking at it, it was more of a self development for one thing, but also career progression. So I know that when you do want to go for those higher jobs that they do want to see a degree. But I used it to my advantage. So what I did was I loved working for oh, I love working for the company that I work for. So I decided that when I finished my degree, I walked into the COO's office and I said, Hey, finish my degree.

Now you know what are you gonna pay me?

Ah?

No, you did not.

How do you have that audacity? Please give us some.

Honestly, we have such a great relationship. So I just went, you know, like he'll know that I mean this in the in the best way possible. But I also now know my worth. I've just spent, you know, fifty thousand dollars on a degree, so to take it to the next level, now I need.

To recoup those costs.

Oh my gosh, I love that you just walked in and said, Hey, it's me, look at me. I have a degree. What are you going to do about this? Like that's the audacity we all need. Like I think that that's so powerful. Obviously, later in this chat, we're going to get into talking a little bit about family wealth. So before we get there, I need to be even more pervy money, Darrist. What's your partner do? How much does your partner earn?

I would have to say we're extremely privileged between the two of us of what our income is. So my partner's and operations manager for audio visual and he earns one forty five a year.

Oh my gosh, very nice.

Yeah, so between the two of us, obviously we have a very comfortable income. But we also, I guess, spend way below what we make because well we try to you anyway, I call him the bank rolling bougie boyfriend ll now fiance.

Yeah okay, I really like that. Congratulations, but also lock that down stairs.

Because he loves to spend money. So whereas I'm the one that's sort of like a little bit more conservative. I guess like my dad, I'm more conservative, whereas he's more like my mum. Which is so funny that we're in this relationship.

Again.

I really do believe that in every relationship there is a spender and there is a saver. There's no such thing as having two genuine savers or two genuine spenders. There's always one of each. And that's what causes the most conflict. Is that something that raises a bit of conflict in your relationship.

Surprisingly, it's not. Our communication style is really open, so we don't have I guess, arguments or conflict around money

So I love that. I love it so much. I have to be slightly rude and ask another question, which you're probably not going to like all that much, but I think is really important. So money often is a really big pain point in relationships because there's not enough of it. And obviously you said you have a really great salary. Your partner has a really great salary. He's

I think yes, definitely. So my previous relationship, prior to meeting my fiance, I was the I guess, the breadwinner as tradition tells us, and my partner earned minimum wage. Now I didn't have an issue with that. He enjoyed what he did, so that was fantastic. However, he had a real issue with the ability of me earning my money the way that I did, and that's I think that was the issue is because it was more of that traditional gender role.

Yeah, yeah, Okay, it's just interesting to ask because I know, you know, there are going to be a lot of our friends in the car driving to work this morning listening to this podcast, and they're like, mate, of course you're not going to fight about money because you have so much of it. But I think it's really interesting.

So this year, so we've recently just obviously bought our house. Congratulations, Yes, very exciting.

It's our dream home.

Oh my gosh. What was it like signing the contract? Were you like, this is surreal?

Yes, so we'd actually we were going to build a house, and we put a deposit on a block of land, you know, we did all of that sort of stuff, and then I had a freak out. I went, this is so much cold feet. I said, this is so much money, and I don't think we should be doing this. And this is before interest rates were rising, and I'm

Yeah, of course he would have thought that you were crazy.

We walked into the house and I said to my fiance, this layout looks really familiar, and it ended up being the exact same layout of the house that we were going to build.

No, what wasn't. Yes, oh my gosh, they had already built it for you.

So this one was about three years old, but it was the exact layout that we wanted from the exact builder, like we know. Yeah, I said to my fiance, this is meant to be, like we have to buy this house, and it all just.

Fell into place.

Oh my gosh.

Our offer was accepted straight away, which for.

Me was mind blowing.

Mind blowing.

It's meant to be hard. Everyone talks about property being hard. What do you mean you just accepted it. Isn't there meant to be an argument and like another bidder or something in the background trying to out bid us, like I don't know.

Yeah, so but nothing like that. It was like, yeah, your office accepted, and yeah, we'd already had we'd spoken to a brokera and we'd already had our finance approved and things like that. So it was really easy. That that whole process was really easy. So that was our goal. But now our goal has moved to our wedding. So we have savings for both our wedding and our honeymoon and yeah, that's we're just excited to have that as our big goal.

How exciting all right, I need to know how far away is the wedding and where is it going to be and where are we're going on honeymoon.

So our wedding is in Caserina, which is northern New South Wales, so just over the Queensland New Southwell's borders. Doneing, Yes, absolutely amazing And it was the again first venue that we looked at and we just went, this is us. Why why do we need to look anywhere else? And it's in March twenty twenty four.

Our heaps of time to continue preparing.

You would think so, wouldn't you, But things just well you would know from.

I planned a wedding in like less than twelve months and I cannot recommend that process to even one individual, one out of ten. You absolutely need more time than that. You think a year is a long period of time, It is not. And weddings are.

Expensive, definitely, And we didn't realize how expensive a wedding would be until we started the process. And I know, speaking to other people, they say, oh, yeah, I'll only spend like ten fifteen grand on a wedding, and then that becomes unrealistic.

Really really quickly.

Yeah, And I said to my fiance look, I'm comfortable in spending forty to fifty grand on our wedding. You know, it's one day that will do. I'm really excited, you know. I don't want it to be completely over the top, but I want it to be everything that we both want.

Yep.

And so we were now currently sitting at about fifty eight grand.

Oh my gosh. It's always the way, isn't it. How did you and your partner come to a number that you were comfortable with? So obviously you said forty to fifty grand and did he go, oh my gosh, money, Daris, that's so much money, or did he go, oh, yeah, I want to spend more. Like what was that conversation?

Like, again, I sort of had to rain him in a little bit.

I love this narrative.

Yeah, so he, like I said, he's a bit bougie fancy boy.

Yeah, definitely.

And I had to say to him, this is what I think we could save within that time, and that's what we've sort of kept to. So we do have a wedding planner, which does increase the cost, but at the same time, she is saving us so much time and money.

I was about to ask, so tell me how much your wedding planner is and then tell me how the savings go, because I also had a wedding planner, and I think that that's something that you know, my wedding was a bit over the top, so please don't use mine as a benchmark, but the amount of money she saved us on, just like vendors and stuff, was a very worthwhile investment. So how much does a wedding planner cost? My friend?

So our wedding planner is just over five and a half grand?

Wow, And how much do you think she's saved you along that journey?

I would probably say she's already saved us at least five and a half grand. And that's not even including the time that we would have had to spend on doing things for the wedding, which for me is massive. You know, my fiance and I both work pretty long hours, so we don't have that time and we didn't want to.

Have that stress.

So that's why we thought that the wedding planner would be a good investment.

Genius. I love it. I feel like a wedding planner is the second you say, oh, I've got a wedding planner, they're like, oh, my gosh, you must be absolutely just pouring money at this, And to be honest, I had I don't know if this is going to come as a surprise to anybody, but I did a budget on a spreadsheet and I worked out what things were going to cost and how you know, we wanted to invest

Definitely, and I think the quality of vendors that they've found us within our price range, we wouldn't have been able to search for them ourselves.

You just don't know what you don't know, No, you don't.

So yeah, that's that's been really amazing. So yeah, that's our wedding planning so far. And then we just booked our honeymoon.

Congrats, How exciting. Where are we going?

So we were going to go.

To a couple of different well we're thinking about going to a couple of different places, but we've ended up settling on Turtle Island in Fiji.

Stunning. How exciting?

Yeah, definitely, And again it's one of those things that we've gone, Okay, well, what can we go without in our budget to make sure that we can afford our honeymoon, but be go to something like Fiji that is for us.

Yeah, once in a lifetime.

I really lux and having a good time, but it's still not or a borer, which is like a thirty thousand dollar trip to begin with. I looked at it because I'd seen it all over TikTok and Instagram, and then I ran straight away because I saw the price and yep, we went to Queensland for our honeymoon. Yeah, that's where I'm at. That's where I'm at. It's all about values, though, and that's the coolest thing I guess

So it's just been with the house for us. They're the most loveliest people. My in laws and we call our parents B one and B two because our parents are pretty similar, or we call them the parents, so yeah, they're like both sets of our parents are absolutely amazing. And my fiance's parents aren't assisting us with the wedding

No, that makes absolute sense. It's always just super pervy to ask my friend. All right, let's go to a really quick break because I have a whole heap of questions. Right after this, all right, money diarist, we are back, and I want to ask even more questions. First things, First, do you invest? If so, what do you currently invest in?

So we don't actually have any investments? Or sorry, we just bought five hundred dollars worth of shares.

So you do have investments, my friends, and you have.

Super yeah sorry, yeah, actually she's.

An investing queen and she didn't even know it.

I do have Super, so I have I think I have about sixty five thousand dollars in Super.

Oh that is epic for your age?

Epic.

I didn't actually think so, but then I started to, I guess.

I googled the average yes super.

For my age, and what did it tell you?

It said it was half of that, so, which blows.

My mind exactly. And so you are doing really well. It's sometimes really not. And I mean I talk all the time about putting some blinkers on and you know, not comparing yourselves to others because it doesn't really help. But something that does genuinely help me is benchmarking. Like I want to know technically, if we look at the average, where am I meant to be for my age? So money drives how old are you?

I am thirty one?

She a baby. So the average amount of SUPER for a woman between the age of thirty and thirty for my friends is forty two thousand, two hundred and forty dollars. That is obviously still a lot of money. And if you're sitting on that or below that, like I wouldn't worry too much, you're still so young. It just means we need to have a think about what that looks like in your future. But what did you feel like when you were like, oh, the Benjmark actually says that I'm ahead.

I think it was like a realization that it made me actually investigated a little bit more because I went, Okay, so if I'm let's just say I want to retire at sixty, then I only have twenty nine years to do that. And it's already been ten years of my working life that I only got sixty. So how on earth am I going to get a couple of hundred more thousand or or whatever it is that you need to get to retire. So that made me think a little bit more about investment.

Yeahh And I mean, I want to say you're a baby still because like you are so young. But ultimately most people and most women, they retire with less than

That does sound pretty good.

And I guess that's just mine too, like excityancee. Yeah, by the time, well we'll be husband and wife by them, but you know, adding his as well, or which would be.

Yeah, amazing. I'm obsessed with it. I think they're just doing the numbers can make you feel relatively secure. So obviously you didn't think it was that good, and then when we extrapolated it out, we're like, holy moly, that is actually really good and puts you in such a good position. I want to know, you mentioned before I'm not really you know, investing, but we just bought our

So it actually is a little bit of an interesting story. We invested five hundred dollars, which was the minimum you could invest, but we invested it into shares in a platform called.

Gabb mm hm.

Now it's like the Uber of private catering. I guess this is the best way to explain it. But I actually met the founder when I was at university and I interviewed her for my entrepreneurship subject, and I just fell in love with her concepts so much, and I've used the company a few times that I went, this is such a great idea. And then when shares opened, I went, you know what, five hundred bucks Like she's just expanded to the US, like cool. It just seems

It's why we ask these questions because everyone has a different journey, everyone has a different thought process. And I'm just so grateful that I get let in on like how did you make your decision? What does this look like? And you're just like, oh my gosh, I'm so passionate about this. I looked into this like that's information that we wouldn't have got anywhere else. Thank you. How cool?

Yeah, and I have set up a Shares's account, I just haven't like delved into it yet.

How exciting you're the start of your journey money, darrist. I want to ask now that debt. So you've recently purchased your dream home, which is so exciting. How much debt do you have and what is it? How is it broken down?

So I actually just sold my investment property so as of last week.

Oh my gosh, I didn't even know you have one that's baller for a baby.

So that was my first house that I bought when I was twenty five living in Queensland.

I bought it for incredibly cheap.

So I bought it for like two ninety yeah, when I was twenty five, and then I recently just sold it for three seventy.

Oh my gosh, did you actually how exciting? What's the profit look like on that?

So that was just over one hundred grand in that?

Gosh? And how many years did you hold that for?

Like? Seven? So?

Oh my gosh? So seven years did you live in the property?

I did?

So you didn't even have to pay capital gains tax on that one hundred grand?

No, So it was always my principal place of reddence. I guess like I did move out, but in saying that, I never owned another property at that time.

So smart. I love this. It's so pervy. What have you done with that one hundred grand?

So it is just sitting in my bank account at the moment. Obviously some has gone.

To is it in an offset account to your mortgage?

When we set up this mortgage for our new home, we went on fixed and that was purely because it was so turbulent.

Good decision to have made, my friend.

Yeah, and we're really lucky we did that because otherwise we'd be looking at, you know, five six plus interest rates on our current mortgage, whereas we're sitting in the fours still.

Yeah, smart, When will that rate expire? Like when you're going to have to make another decision about your mortgage.

So it'll be in March twenty twenty four, which.

Bad month for it because you're getting married. Are you also going to get slapped with an interest rate hike? We don't know yet.

We don't know yet, do we.

So that's going to be interesting for us. But it works really well at the moment because while we're saving for our wedding, we don't need to worry about the interest rate rises.

Yeah, that's really helpful.

And all of that money that we've got from the profit of the sale is sitting in a high interest savings account, so.

She's working hard.

We like this.

Okay, So when you wrote into us, you explained to us that your fiance's parents give you money towards the house. I want to know how much money did they actually give you and tell us about this house purchase, like, how much was it, how much of a deposit did you have? What did that actually look like in reality?

Yeah, so we purchased the house for seven hundred and five thousand, and we received two hundred thousand from my fiance's parents, which obviously is money that we are paying back to them, just interest free.

So how good. So have you got a payment plan with them to do that or is this at some point in the future or what did that look like? Did you have to sign a contract?

We did, So we did it all legitimately. We got a contract drawn up and we got solicitors to sign it and to review it, just so that if anything was to ever happen, that we're all covered. Yeah, and I think that's really important. Obviously we don't like to think about what could happen because we don't think it could, but it's just there to protect everyone just in case it does.

I like that. I always used to say to my clients who are in similar situations, let's plan for the worst, but expect the best. Like let's pretend that the worst might happen and actually just plan for it, but like, we don't want it to happen. So I think that that's the best thing that you could have done. So I'm assuming then your mortgage is around five hundred and five thousand dollars.

Then yeah, correct, it is?

Yeah, And are you being aggressive in paying that off or are we just doing the minimum? Like what's the plan?

Like?

How much are we paying back on this two hundred thousand dollars versus this five hundred thousand dollars mortgage? Where are the priorities at?

So the two hundred thousand we pay back, I think it's like one hundred and eighteen dollars a week or something on the two hundred thousand, and then our mortgage repayments, I think they're like about I can't remember right now, but I think they're about six hundred a week, No, seven hundred a week.

That feels about right. I feel like that's really exciting. So with your calculations, how long will it take to pay back that? I guess two hundred thousand dollars alone from the in laws.

So it's a bit of a funny one because we put it over the same timeframe as our mortgage that it was good at, while we did put it over thirty years. Jokingly, obviously, my in laws have said, oh, well, you know, the day after you pay that back, then you know we'll probably cark it or something, but not before. So yeah, it's it's a bit of a joke between them. But we're obviously willing to pay more of that back as well after we've finished saving for the wedding.

So I'm glad you have that flexibility. Are there any other debts that you or your partner hold?

No?

Nothing else that is it really good debt? Yeah.

We recently got credit cards to get the points for our honeymoon, which is fantastic because we got our flights to Fiji return in business class for no money.

We didn't have to.

Pay a sex I feel like this is what I need to get on. Obviously, I've done episodes on this show of how to points Hack, but I don't do it because I just haven't trusted myself with a credit card yet, because like she's spendy, like I'm a bit spendy, and I just don't know how i'd feel with a credit card. I just can see it being a really bad idea. But then I hear stories like this, I'm like, maybe I should, but maybe I should also talk myself out of it, because business class flights are not worth

Well, we did get rid of the credit cards, so as soon as we got the points and had the minimum period of which we needed to keep the credit cards for we have got rid of them, so that's gone.

You're so smart.

I love this.

Maybe I should do it that way.

Then.

Look, I'll look into this later and share on social media what I get up to money diarist, I feel like you might have some good tips to share. What is your best money habit? Do you think?

So?

It's I take after my dad with this one. And it's price checking. So whether it's at the grocery store and I'm holding up, you know, two lots of rice and I'm going, okay, per one hundred grams, this one's cheaper than this one.

Good money habit to have. I feel very good because I don't do that. I'm just lazy and I want to get out of that supermarket. It is overstimulating and I have to leave definitely.

And I guess that's now extended to so we use like cash back programs or I look at cash back programs before I purchase something to know if I buy it in the store and I don't get the cash back, verse I buy it online and I get the cash back.

I am so good at that. That's also my money habit. And then I get real salty about having to wait for it, because I know if I just went to may Or, I could pick it up. But if I got it online, I'd get an extra like four or five percent back, and that's worth it. So then I sit there and I'm like, oh, I'm waiting for this package. But like, I'm quite impulsive, So then the yeah, it's a very fun process for me, but I'm doing the right.

Thing, definitely, And I think that's what then leads me into my worst money habit.

Oh yeah, what is it?

I think I'm very much like UV and I can't I don't put enough time or I forget to put enough time between purchasing or like thinking about purchasing something and then actually purchasing it. So I sometimes go out on a bit of a whim and I'm like, ooh, I love that dress, let me just buy it now, And then I buy it, and then I go.

Oh, should I really need that?

Yeah? Yeah, I know I'm a bit impulsive. And when I say a bit, I mean a lot, which is why I'm always telling you guys, put twenty four hours between you and your spending. And I do that because it's like a consistent reminder to me that I need to do that. Like if you guys think I'm really good at money, like I'm sorry, we're a bit wrong. So do as I say, not as I do, kind of show you know.

Yeah, definitely, And I think that's like I'm trying to that and I'm trying to get better at that.

And it's really funny because my fiance is he's really good at doing that, but then he will just buy it and heat.

Yeah, babe, I did think about this. We're still doing this. I like that he's got conviction. That is a very attractive quality. I believe.

Yeah, definitely, No, we like him money darist.

Now that we've had a really good conversation at the start of this episode, you said, oh, I think I'm a C plus or like a B minus minus. We talked about you. You have sold your investment property, you made a really good profit on that. You've just bought your dream home, You've just started investing. You know, you're saving for your wedding. You are doing so many different things. Do you think that that grade is reflective of where you are at after having this conversation, I would.

Say probably it would improve in them, like maybe improve a little bit maybe to like a B.

We'll call your bee. Why would you say it's improved after our conversation.

I think knowing that I'm doing the right things in terms of investing, or I'm on the right track for investing, is a good thing. And I guess thinking about it, you know, I have no other debt and.

That that's very sexy.

Yeah.

Yeah, And I think if you'd spoken to me, you know, five years ago, and I did have a lot of debt, that would be a very different like me, I guess. So the position that I'm in now is really different. And you know that's a contribution of my fiance's parents helping us out. It's a contribution of us saving our money really well and living not beyond our means.

Yeah. So I think a B on my way to a B plus.

He well with that is, what do you think it would take to get you to an A plus?

Probably delving more into where to put all my savings, so like working on, Yeah, utilizing that savings money a little bit better, whether it be you know, in a high interest savings account, or whether it be into further investments for like long term strategy.

How good, Oh my gosh, money Darist. I have loved talking to you. I feel like it's been really relatable but also super interesting to I guess hear a bit about how you borrowed money and then what that looked like from your in laws without you know, destroying a relationship or you know, making sure that we're planning for the worst but expecting for the best. I think it's just such an important conversation that we need to be having more transparently, more often. So thank you for sharing that.

Thank you for having me. Yeah, I've really enjoyed it. And I think if we can just sort of get rid of the stigma of using mom and dad or using relatives for assistance, if they're more than willing to help, then yeah, I think that's that's a good thing for us.

I love that. I think, to me, the most important thing when going through circin stances like this is just acknowledging privilege. I think being able to have these conversations is great, but it's not the expectation that these things happen. So I think what I've loved most is you going, oh my gosh, it's been an absolute privilege. I'm so grateful, and to me, that's kind of what changes the narrative. It's a very different circumstance than being like, well, my

Yeah, thank you so much.

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