When Your Dream Job Isn’t Enough to Pay the Bills

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 cast for millennials who want financial freedom. Welcome back to another one of our money Darius, where I get the absolute pleasure of talking to one of our incredible Shees on the Money community members all about their journey. Let's jump straight into it, because this week we got a message and it went just like this. Hi, She's on the Money. I'm thirty nine, a full time public servant. And here's

I got a few hats, It's true.

I like it all right before we dive into it. What grade would you give your money habits if I asked you to give them a grade from A through to F.

I feel like, you know, I love the podcast, and I feel like people always get to this, Like they start off and they'll be like, oh, I'm a D minus and then get halfway through and they'll be like, oh, I've been investing since I was in the womb.

Yeah, and Mike, excuse me, Like, and I'm going to call you out too, so like, tell me what you feel you are and we won't argue now, but we can do that later.

Yeah.

Well, I mean, look, I'm giving myself a C plus a C plus okay, and I'm probably gonna stand by that, but we'll see.

All right, Well we can learn more about that. I feel like everyone has a journey and sometimes I don't want to argue with people either, So let's dive into it. Can you tell me a bit more about your money story?

Yeah, So I grew up on a bushblock outside of a small town in southern Wa on the coast. My parents didn't go to UNI, or I think they did, and then sort of got the free Whitlam Union and then dropped out in their first year. They did mostly blue collar jobs. When I was a kid, we owned our property, but it like it was. I think the reason they moved down there from Perth was because it

For forty grand And I mean obviously money changes but like that just feels wild, doesn't it.

There were a couple of catches, Like the house didn't have a bathroom when we moved in.

We don't need a bathroom, It's fine.

Yeah we had a paddock.

Yeah, exactly, go outside the sheep do We just.

Had a bucket and bush situation for a couple of years.

You didn't even need the bucket.

No, we dug a whole lot of the time. And then they built a bathroom, so we were on the up.

Okay, fancy pants.

Yeah, they're both from you know, fairly chaotic backgrounds. But I mean we had a lovely childhood. I don't think it took me a while to figure out that we were poor, honestly.

But that's the best way, right. It's all about mindset, Like you might not have heaps of cash, but it's about the experiences and mindset. And your parents clearly did it well.

Yeah, And we were just living such different lives to the kids I went to school with anyway, you know, living out of town and this sort of feral life with just animals in the house. We raised maybe kangaroos. We had you know, a pet possum, Like.

It was all wash you were living my dream life.

Yeah, it was very cute, and yeah, we didn't have much money, but we grew our own food, so because I think that's how you really feel it is when there's not enough food on the table. But we always had you know, vegetables and meat from the neighbors and stuff. Yeah, so it was a pretty simple life. I didn't really have any new clothes or anything really wholesome.

Though it sounds like you had a beautiful child.

Yeah, it was sweet. And you know, my parents have always been pretty make hay while the sun shines with money, I'd say, you know, I think their attitude was always that it's just there to be spent on living a good life. And they're also very generous people who are

That's so fun though, you're like, yeah, so I ended up in like England and then also Darwin.

Yeah, yeah, you know, as you do.

That's a the natural extension of England.

Yes, yeah, And I was sort of living hand mouth for most of it and slowly getting into that. You know, the classic situation of you get given a credit card when you're eighteen when you really probably shouldn't. I don't know if I would now. I'd like to think they've cracked down on lending enough that I probably wouldn't qualify if I, like if an eighteen year old in the same situation tried it now.

So they used to send them out like happy eighteenth birthday, You now qualify for a credit card. Like I remember the day and I was like, sign me up, babe, sign me up exactly.

Yeah, being like a Commonwealth Dolomite kid. Just you know, they were like, here's a credit card. I was like, way, hey, nine thousand dollars.

Let's go to money.

Weing. Yeah, And you know, it's the same old story. It just sort of creeps up and creeps up until the interest payments are getting to the point where they're making it so you can never really get ahead. You just sort of paying off your interest. I shudder to think how much I must have paid on credit card interest over the years.

We don't have a joke about it.

That's fine, Yeah, you know in your twenties. Yeah, you are very like, well, what am I going to do get into my thirties. I don't see that ever happening.

Yeah, absolutely not ill.

And then, you know, by the time I was in my thirties, ended up living in Melbourne, where I still am, and yeah, the debt just really got on top of me. I went back to UNI for a few years, and I think it was so basically when we entered the pandemic, I was I think about ten thousand dollars in debt and I was working for a counsel at that point on an okay salary, so I could kind of see like it was going to be feasible to pay it off. It was just going to be a lot of hard work.

During I feel like a lot of people benefited from that. Like, don't get me wrong, it was horrific, but I feel like for a lot of people it taught us a lot about what we don't need to spend.

Yeah. Absolutely, It really like cleans the slate a bit and makes you think about, yeah, what you spend your money on just sort of reflexively, and what you would have been doing and did you even like it that much?

Yeah?

Yeah. And also around the same time I had my centlink Robodet paid back, I'd had one of the completely bow ones years earlier, when I'd basically gone from UNI into quite a high paid job immediately, and so I'd done half of the year on youth allowance. And then

That's why they had to pay it back, isn't it? Because that was not the right way to go about things.

Because apparently I was supposed to be psychic and know what my income was going to be for the rest of the year.

Are you not a psychic?

It turns out I'm not.

Please get off the show.

And it was just that classic thing where you know, you go to appeal it and they're like, there's no appeal. This is done. So I think it was about seven thousand dollars and yeah, I was so cranky about it that when I heard that there were rumblings of it all being overturned, I joined a class action lawsuit and I got paid back the full amount and a payout as well, which I was happy about.

A money in.

Yeah, so this lump sum and then I'm putting away money from my job and I paid off the credit card, the robodet and the settlement basically paid off my entire credit card, and I was like, oh my god, I'm at zero for the first time. And I just started putting money away and putting money away, and yeah, I realized as we sort of came out of it that I had enough for a five percent deposit on an apartment, which I wouldn't have normally done because it's sort of

Oh the seventy for the ones are the best. The rooms are slightly bigger and the ceiling slightly higher.

Yes, separate kitchen, there's no on sweet bathroom. It's a normal bathroom. Yeah, I really love it. You know. It's falling apart in places, but we're fixing her up slowly, but she is yours, yes, and she's well insulated. Yeah. So it's just basically meant with the shared equity scheme that I'm paying, I think my mortgage payments come to about twelve or thirteen hundred dollars a month, which I would be lucky to rent this apartment for.

That is so good.

Yeah, it's incredible.

You would be coughing that up for rent in Melbourne anyway, exactly, if not more, especially on a one bedroom apartment. Can you imagine how much that would be each week for you on your own, Like you'd be at least two grand two grand a month at least, I reckon like five hundred bucks a week maybe, ish, I love that for you.

I had to basically share house up until the age of I think thirty seven to sort of, you know, keep putting that money away and make it work, which was you know, you're reaching the end of your tether.

At that point you're like, look, I just didn't see myself here, but now you're in your own property.

Yeah, yes, so I'm really I'm glad I did stick that out. But you know that's I mean, so many people have to rent in their thirties and forties now anyway, So it's you know, I tried not to be ashamed of it.

No, we're not ashamed of it. But I feel like we're allowed to have some expectations for ourselves that weren't met. And you can go, oh, I'm a bit disappointed because I'd hoped for myself that the reality would be a little bit different.

Yeah, there's just dignity in living alone, I think.

Yeah, like, and I think that it's a freedom of choice, right, Like, I like that you had the choice, but sometimes we go, this is just not what I wanted to choose. But

And most people don't want that, Yeah, exactly. Most people want to be living in their own place. So yeah, I try, and sort of it's hard because you want to sort of tell people. You want to get the word out, you know, I talk about it sometimes on social media, try and get the word out, you know, like this might be possible. You know, I'm single, I don't have you know, family money going into this, like

Oh girlfriend, you're you're preaching to the converted. Like I try so hard to tread that line of going like I don't want to offend people, but also I need to share these facts.

Because the two friends have been yeah, basically seen it and talked to me about it and had the same realization of like, oh wow, I actually could do this.

See that's why we talk about.

It, yeah, which is really nice. And you know, with all the jobs that I've had, I'm pretty good at reading contracts because I've done a lot of sort of government jobs around councils and building and stuff, so I'm pretty good at reading you know, section thirty twos and building inspection reports. So I'm always offering to read those for people to save money on conveyances and then just you know, getting them to get the legalies checked. But

So you and I kind of a friend to have.

I'll look things up on the work database on the slide to make sure that you know the building permits are in place and stuff.

I love that. So tell me, now, what do you do for it? And how much money do you earn?

Yeah? Look, I mean obviously keeping this bit a bit. I'm very open about stuff, but I feel.

Like we can be a little bit sly. We don't have to like, I know you've got a government job. That might be enough exactly.

Yeah, let's just say I work for a stake of regulatory agency, just sort of doing complaint management, looking into lots of stuff and checking out what needs to be regulated. I think my base salary I should know this. It's somewhere around ninety five. I just did my tax return finally yesterday, and I think I think I hit one hundred and one on salary last year, but a lot of that would have been leaveloading because I use some

I guess how good is that?

Yeah? I'm happy about that.

I mean, on the flip side, what are you earning for comedy?

Yeah? So I'm I think of myself as a new comedian. I think I've been doing it for nearly eight years now, but that is in some ways still kind of new. I think until you hit ten years you're sort of still figuring it out. So I gig, I guess between like two and three times a week.

Oh my gosh, that's a lot.

Yeah, very tired. Just pub gigs around the place mostly, And I do the Melbourne Comedy Festival every year and next year I'm going to expand and do Perth Fringe first and then Melbourne.

That is so fun. And what does comedy pay like if you're doing these side gigs, is it like I don't know. I feel like a lot of the time people will probably say, oh, you have to do these free pub gigs to like cut your teeth and like get your name out there. But at what point do you get paid?

Yeah, well it's tricky because it's like, you know, obviously you don't want to work for free too much, but also you are kind of rehearsing on stage as well.

Yeah, we're probably not going to do that for the first time at a really big paid gig, right yeah. Yeah, like it sounded funny in my head, Yeah exactly.

Yeah, you just go, well, that's nothing that flock. Yeah, but that's part of the process failing in public and yees. So it's usually I guess the majority of them are probably unpaid. The sort of bread and butter working material at gigs. Some of them are sort of twenty bucks, some of them are two drink cards, some of them are more like fifty or there's a good comedy club in Melbourne now called Comedy Republic, which is owned by

Yeah, that's cool though, that these things exist to support you.

Yeah, but then the Comedy Festival is an entirely different beast that I you know, I think Melbourne people are so supportive of the Comedy Festival, which is great, and a lot of them take a chance on a you know, on up and coming artists and stuff, but they might not be aware just how little people are either being paid or how much they're effectively paying to be there in the end if they're not, you know, a bigger artist in a bigger venue.

Really, what does that look like?

So registration for a standard show in the Comedy Festival, which is usually going to be either ten shows for half the festival or you know, more like twenty to thirty over the whole festival. Your registrations, I think it's I think it's gone over five hundred dollars now or it might be what undred and I think it's over five hundred now just to register to be involved in the festival. So that's just money that you pay to the festival to participate.

Hey, this is your door fee, Yeah.

Pretty much. And you know, the comedy festivals are largely not for profits, are usually incorporated as like not for profit arts bodies, so it's not like they're you know, they still run at a loss, I think can rely on funding.

But yes, but comedians and artists are usually not for profit exactly.

Yeah, I am also firmly not forfit. So you're paying into the festival. For the first place, my venue in twenty twenty three was it was a guarantee of fifteen hundred, so if you don't make fifteen hundred in ticket sales, you'll owe the money. Oh god, it is somewhat achievable. That was a thirty nine seed. But I think they must have had some funding or something that ran out over COVID, because then I had the exact same venue this year, and it was three thousand dollars guarantee of

And I mean that makes it hard. But that's because you said before you're feeling like you're still at the start of your journey. What does that look like into the future.

I don't know. I mean I've sort of been thinking about that going into another festival and sort of feeling like I'm plateaued a little bit. But you're always sort of hoping that this will be a year, you know, because the smallest thing can change it, like a really good review in the Age, Like you'll see people go into a festival run with like low ticket sales, get a five star review in the Age, and then all of a sudden they've sold out. The rest of their.

Run, or yeah, good as they should.

An award nomination, or just just buzz in you know, like that sort of hard to quantify, everyone's talking about the show, sort of buzz that'll sort of bump you up a bit.

Will you let me know when your next show is happening and we can share it on She's on the Money and hopefully all of the She's on the Money community will show up for someone in ow She's on the Money community.

Yeah, I'm always trying to give away, you know, comps to people that I think might sort of talk about the show.

We don't want comps. We don't want it for free. We pay for our community.

Well, you know, you can strategically comp and then you know, then hope that they'll sort of like post an Instagram story or something, because it really does you know, word of mouth is the strongest seller I find.

One hundred percent. One hundred percent. So tell me. We know you just bought your one bedroom apartment, which is very exciting. What are your big money goals? What are you currently working towards.

I guess my realistic money goal is that I would just like to upgrade to a property with a second bedroom, small dreams. I'm just I just like a spare room. Sort of working from home in my living room at the moment because I just don't have a second space to put a desk in and it kind of annoys me that it takes up some of my living space. Yeah, I think just upgrading my property would be a big one.

Oh my god.

It's not always a glamorous business.

No, that doesn't sound like you're not selling it to me. At the start, I was like, maybe I could be a comedian. I'm not funny, but this might work for me. No chance, not that glam I mean, good on you. But also I feel like this is such an area that needs so much more support. Like we talk about creatives and comedians and like, you know, just artists in general. They're usually people just like you who have full time, very serious jobs who are doing this after hours because

See those people sitting in the crowd and you think, oh, wow, look they're selling tickets. They must be doing really well. And you're like, oh, actually, And I think, you know, we've come a long way in creative industries in terms of how we talk about like, you know, diversity and representation, which is really good, but I think so much of it is focused on like visible representation, you know, like

Yeah, and you've got to put your big girl pants on and be like, oh, yes, very serious business discussion.

Yes, yes, I'm not hungover. Why would you think that?

Why would you say that? Don't come here and attack me.

I needed a couple of wines after the Spicy Man incident.

Oh mate, I would have needed more than a couple of wines. Oh I love this all right, let's go to a really quick break on the flint side. I want to discuss investing. I want to talk more about your debt journey and then your best and worst money habits. So guys that don't go anywhere, all right, money drest. We are back and you have just purchased your very first one bedroom apartment. You already want to upgrade, which I totally get. I feel like having a second bedroom

Yeah, it's definitely something I'd like to do more of. I mean, like so many dedicated She's on the money Listers. I got myself the Chasy's app after after learning about it.

And you know, cult is culting.

Yeah, And I always explain it to people like I think you explained it on the show or the person from Chazy's, which is that like it's not necessarily a way that you're going to make yourself rich, but it's a really good way to just teach yourself like how it works and just sort of develop tolerance to risks. Like I think it was really helpful to sort of start during a time when the market was quite volatile.

Yeah, and you really need that. I think there's this big misconception investing that you need to kind of invest your life savings and see what happens. I just can't agree with that, Like I just go I wouldn't do it because I am a bit risk averse. But at the same time, now I have an investment portfolio when people will be like, oh my gosh, that's so crazy, but it's like from these little things, my confidence has grown and I understand how to emotionally respond to these things.

Yeah, and so I sort of I built it up from my initial you know, I think one hundred I just sat there with for a while, and then I think I've got about thirty one one hundred in there at the moment, mostly just to look at you go. Yeah, it just mostly just on ETFs and then a few just little random ones because I just wanted to see if I could pick a winner.

I love that because that's very me coded.

Yeah. So I've got my fun ones that are more volatile because I kind of enjoy watching them go all over the place. And then most of it's just in the ETFs.

Yeah.

We call that a core satellite approach. If you want to sound really fancy. There you go. So people are talking to you, you can be like, yeah, well, actually I invest on Chais's and I have a call satellite approach, and they'll be like, wow, she knows how shit, I have.

A strategy exactly.

That's a legit strategy though.

Yeah.

So that's the only real investment that I have because apart from that, I have an offset account on my mortgage and you know, my very basic version of crunching the numbers. That seems to be one of the best places to have money. At the moment, I've got I think about twenty thousand in my offset. At the moment it was more, but I've just had to pay flights, regio and publicists for birth So it's a.

Little yes, but at least you had the money there. Otherwise that wouldn't be an option. And I mean, can we just flash back a little bit, because you said for fifteen years you carried debt, but last year you finally purchased your first property. Now you're a property owner. You've got like twenty grand in your offset. You just paid for a tour, like you've got three one thousand is Ish dollars in investing. Be for real. That is a glow up.

Yeah, And that money is also just there, you know, because I've only got like, I don't really have insurance on my apartment because so much of it's just covered by the building insurance, the strata insurance, so it's just there in case of pipe bursts and floods, the neighbor or you know, we get slept with a building notice and have to put a new roof on or something. It's just nice to know I've got.

That got some cash there. I love this. I love it so much. Absolutely, tell me about your superannuation. What does that look like? Is it something that you focus on.

I don't think I have that much. I've just looked it up on Micah. I've got eighty seven thousand, which I'm not sure.

If you don't think I have that much, has eighty seven thousand dollars, that's a good amount.

Yeah, I'm thirty nine, so I'm not sure if that's good or not.

Yes, but like you've been working your butt off and you've got a good amount of super over time that's gonna compound. Like this is looking good.

Yeah. I think I was behind for quite a while, just because I spent so much of my twenties either overseas or studying or working under the table, and it was like a pitiful amount for a while. But yeah, I guess I've been doing government jobs for a while. But pay a good, good amount of super. Yeah, so it's not too bad.

I love that for you. Talk to me about debt. So what type of debt do you currently have on this property? And will you ever go into personal debt again.

So I've got one hundred and ninety or two one hundred thousand debt on the property, which isn't too bad thanks for the shared equity of the government. The purchase price was about three hundred and twenty and so yeah, not having that full amount in debt it's nice. I mean, you know, it still has to be paid back eventually, but it can just be paid back when you sell the property. It can just be sort of divvied out, which is great. So yeah, I don't mind that debt.

Yeah, it's a lot, and I feel like you really need to think about it. I think there's this assumption that if you go to UNI, you'll automatically do better, and that's just not the reality of the situation.

Yeah, because I'm working you know, administrative clerical jobs or sort of things that are bachelor's isn't the worst thing for But the way that I got there and in my specific field was sort of you know, working up the chain of just like crappy call centers all the way up to government. And those first jobs I did you know that were paying me probably meant less than minimum wage awful call centers I worked in. You didn't need a degree to work that. You barely needed a

They're like, wow, you show up on time. That is going above and.

Beyonright, yeah, so I actually think I could have gotten exactly where I am now without the Bachelor of Arts in philosophy.

Oh yeah, that was very important.

Right, yeah, So you know, it is what it is. You're living your.

Learn We had fun along the way.

So it's only those two debts, and no, I will not ever go back into personal debt. I keep my credit card just because it's handy, but I'm very very militant about paying it off every fortnight.

So very good. All right, Well tell me what is your best money habit?

Well I thought about this because you know, obviously you your mind goes to, oh, I'm pretty thrifty, and I love a bug and all that sort of thing. And I do have some good money habits. I don't buy many clothes, you know, I try to cook food and not by too much takeaway that sort of thing. But I think realistically, my best money habit has just been being quite strategic about trying to get where I am in my jobs, just to maximize my earning potential because

So I like to move people around, which they don't like to really take on new hires if they don't have to.

Yeah, so I kind of consciously took like a technically a step backwards to just do customer service at a council. But I was there for five years, and over that time I was able to do secondments all over the place in the raids department, the building department, and start to gather these sort of concrete skills and learn all this sort of really specific subject matter, which then enabled me to move into state government in related roles because I had the subject matter experience. And yeah, so.

That's cool, that's very cool. You've been strategic about it.

Yeah, And I think otherwise I don't think i'd be on the salary that I'm on now.

You've got a good salary, and like, that's pretty good. So do you enjoy the work that you do now?

Not really?

Honestly, Sorry I am, but it's fine.

You know, it's a choice you make. You know, I could probably enjoy something more, but I'd take a pay cut of at least twenty thousand, if not more. I've got friends who work in jobs that they love and they're just not being paid enough.

Yeah. That really grinds my gear.

Yeah, And also, like I'm able to work four days a week from home, which is invaluable, you know. I mean that when I've got a late gig, I can just sort of sleep in until two minutes before I start.

Yeah, yeah, which is honestly necessary if you're running that work life balance.

Yeah.

I was falling apart before the pandemic, and then you know, it was just so nice how I just showed everyone that these jobs that they insisted couldn't be done from home absolutely could be done from home.

As it turns out, your employee no longer has an excuse to say no, sorry, people are productive from home. Genuinely. You put me at home, I'm way more productive because I'm not distracted.

And I'm not as tired because yeah, I was just burning the candle at both ends before and now I'm just I'm eating better, I'm sleeping better. Yeah, my work life balance is it somewhat existent? So yeah, I don't love my job, but I appreciate what it brings to my life.

That's good. And I feel like that's refreshing to hear as well, because I think so many times people are always like, yep, love my job, and that's just not relatable for absolutely everybody.

Yeah, And I think it can be really hard if you have this message that like not doing it right, if you don't love your job. It's okay. If anything, I'm a socialist. I think it's a little perverse to you know, love labor, to love love laboring, Uh huh exactly. But yeah, and I also enjoy that it's for the government. You know, I've worked for some pretty iffy private companies before.

It's nice to have you done multi level marketing.

I haven't done multi level marketing, but you know, I've done cold calling, I've done you know. You know, all of that is fine, nothing I'm ashamed of, but it's you know, it's nice to work for a government department that has a really clear like function to do good for the community.

No, I think it's good. I think it's good. Let's flip it and talk about your worst money habit. What do you think that is?

I mean, it's definitely comedy.

I mean, not for me, maybe for you.

I mean, you know, it's just I guess you could say it's financially responsible because it's costing me money, but also it makes my life worth living. Honestly, I love it. I find it creatively fulfilling. Like I had good friends before comedy, but just the wonderful freaks I've met doing comedy.

You found your people, Yeah, and just people from walks.

Of life that I wouldn't necessarily have met otherwise because they're just from all over the place, just united by this insane thing that we like to do. So yeah, it's I mean, my other bad money habit. I think, looking at my bank statement, would have to just be drinks out of the house. Alcohol is so expensive and bad for you, and it's objective.

It's actually just not socially acceptable to take a hip flusk anymore.

They frown on it, Yeah, particularly when you're technically working there.

So yeah, I've heard that.

I think if I stopped, you know, buying a wine at every gig that I was at, I'd probably i'd be a millionaire.

I think they should be giving you a wine at every event.

A lot of gigs are giving you it will give you a wine.

But yeah, I feel like I'd need the wine to get on the stage, like it's an investment from them into you.

It does take the edge off, yeah, but also it's that classic thing of you just end up socializing in pubs and stuff, and boy has that gotten expensive these days. I'm trying to now that the weather's going to be nicer. I'm trying to do a lot more parkings.

Yeah, that's fair, that's very fair. Money diarist, I feel like we've had a really good chat. I have loved learning more about you and your story. And you said that your money habits were a C plus at the start. I want to know about that because I feel like we've learned a lot about work life balance. I feel like you've got your head screwed on really well. You're like, no, I took a step back in a job to kind

Well, when it comes to incoming money, I think I'm, you know, an A minus. But when it comes to outgoings, I consciously don't use a budget. I think I could really tighten things up a lot if I used a budget. I just there's too much to keep track of, and so I really my budgeting system is just vibes based at the moment, it's it's vibes.

How do you budget? It's based on the vibe.

It's the vibe. I pay off my credit card, I try and because my mortgage comes out of my offset. I try and put, you know, a little bit more than what the mortgage repayments are going to be that fortnight into the offset. It doesn't always make it, depending on what my expenses have been. You know, I don't use a bucket system. I just have one. I have

Tired, Victoria. I get it, I get it. I'm going to try and help. I don't know if this is something you even want, but I'm going to gift you my money masterclock. So it's automated. So like, I know, we're all tired, we're all over it, right, Like we don't want to do heaps of work. But if you can put in what you get paid, you can put in, you know, some of your expenses, it will do all of the hard work for you. Like it literally will tell you, okay, money direst this is how much you

And I have a set salary. I've got no excuse.

And i feel like budgeting can be overwhelming, and I've tried to make it not And I mean, if you're already in the Shees on the Money community, you'll probably appreciate the videos and stuff in there. But I'm not gonna lie. The most powerful part is that budgeting cash flow system that's basically automated for you. And I've also built into it which you might find fun or like motivating.

That is very motivating. Yeah.

Yeah, and you've got to keep you hooked, you know, like budgeting is boring, I've got to give you some pretty shiny things along the way, So I've tried to make it a very esthetic budget as well. I love it money Darist. I have adored this. This has been a really fun chat. I especially and you probably didn't see this coming, but I especially love you saying that you just don't love your job, but it does the job to get you the lifestyle that you want to live.

Thank you for having me.

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