Even some of the most successful people you know started at rock bottom like $60k in debt, no job, and pretending everything is totally fine. That was Jane Lu’s life… right before she built Showpo. And today, Jane is speaking candidly about it all.The pressure to pick the “good girl” career, the fear of disappointing her parents, the panic of feeling behind while everyone else looks like they’re sprinting ahead and the moment you realise you’ve built a life around other people’s expectations and now you have to undo it. But interesting part is what came next, and nothing about it looked like the beginning of a global brand. Cofounders walked. Ideas fizzled. She was building websites in the State Library and quietly hoping no one noticed she was making it up as she went. And then, slowly, things shifted. A call she made out of instinct, a social moment went viral and she found a way of working that suited her Lazy CEO approach. This became the backbone of the business she’d grow into a company valued at more than $100 million.
In this ep:
✨Her mindset shifts about the "safe" career
✨How to rebuild when your confidence is shot and your bank account is judging you
✨The small (almost accidental) move that blew open her career
✨Lazy CEO rules that help you stop doing the absolute most
✨Why your messy chapter isn’t a setback, it’s leverage
JANE'S LINKS: Showpo's website, TikTok & Instagram
Her personal website, Tiktok & Instagram
READ: Victoria's book The Business Bible just won the Entrepreneurship and Small Business Book of the Year at the 2025 Australian Business Book Awards. You can find it here.
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Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
My name is Tatasha Bamblet. I'm a proud First Nations
woman and I'm here to acknowledge country t Glenn Young
Ganya nianar Kaka yah Ya bin Ahaka nian Our gay
in Nimbina, yakarum Jar, Dominyamiga Umagahawakaman damon Imlan Bumba ban
Gadabomba in and now in wakah Ghana on yak rum
Jar water Nadaa. Hello, beautiful friends, we gather on the
(00:24):
lands of the Aboriginal people. We thank, acknowledge and respect
the Aberiginal people's land that we're gathering on today. Take
pleasure in all the land and respect all that you see.
She's on the Money podcast acknowledges culture, country, community and connections,
bringing you the tools, knowledge and resources for you to thrive.
Speaker 2 (00:44):
She's on the Money. She's on the Money. Hello and
(01:08):
welcome to She's on the Money, the podcast where we
share the real life lessons behind starting, growing, and thriving
in your own business. I'm your host to Victoria Devine
and Today's Business Diaries. Guest is one of the most
successful and honestly straight up entertaining entrepreneurs in the country.
She went from a failed pop up shop and a
mountain of debt to building Chopo, a global fashion brand
(01:31):
with over one hundred million dollars in annual revenue, millions
of loyal customers, and a social following that most brands
would absolutely kill for. Along the way, she's rewritten the
rules on what it means to be a CEO, turned
social media into a serious sales engine, and built a
business that is one hundred percent founder owned, which is
practically unheard of at her scale. She's bold, she's brilliant,
(01:55):
and she's not afraid to spill the real story behind
the highlights. Reel Jane, Welcome to the show. Thank you
so much for having me. I'm so excited to finally
get you on my show. This is so funda. It's
so nice. Emal live work your magic in real life.
It was so fun. I feel like in the flash. Yeah,
And it's crazy because I'm meeting people while I'm in
(02:18):
Sydney that I'm like, I feel like I know you,
but like from socials and I'm like, is this weird
that I know so much about your life? But you
were a wildly successful founder. Now, thank you. Showpo wasn't
your first rodeo, can you take us back to who
you were before becoming an entrepreneur and taught me through
starting your first business, like I've heard it before. But
(02:38):
I need my community too, Okay.
Speaker 3 (02:41):
So I used to be an accountant and just hot
girls in finance, Like yes, So I thought, you know,
I thought accounting was like quite sexy back then, because
you get a suit, you get a paycheck, and so
it was all very exciting at the start. And you know,
I because I immigrated from China with my parents and
I'm an only child, so you know, they're just all
(03:02):
their exit in the Jaine basket and they all no pressure,
They've none look super chill. But all they wanted was
for me to get into the right high school, and
then from the from high school, get the right marks,
and then from there get into the right university. No pressure,
my degree, get the right job, blah blah blah. And
I did all that, and I was like, wow, I've
I made it. I even played eighth grade piano. I'm
(03:24):
like a model Chinese daughter.
Speaker 2 (03:25):
But so I all of a sudden, no, it wasn't.
I slowly realized that I didn't love it. It's a
hard realization to come to, especially when your parents are
putting so much pressure on you. Exactly. It just never
seems like an option.
Speaker 3 (03:38):
Like back then it was twenty two thousand and nine,
you know, you just don't really consider.
Speaker 2 (03:44):
Like sarting a business. Absolutely not.
Speaker 3 (03:45):
It was actually an ex boyfriend that at the time
he would, you know, kind of talk about it. I'm like, oh,
he's from Europe.
Speaker 2 (03:50):
He's like, oh my god, this guy, like he's I'm
just romanticizing the aciety of starting a business and traveling.
Speaker 3 (03:57):
You know, I just never thought it would be for me.
It just seemed like something you read about you watching.
Speaker 2 (04:02):
It, something from every boyfriend. Yeah, thank you sir.
Speaker 3 (04:06):
And then so when I when I met him, I
was like, I don't want to start a business. I
wasn't even interested in traveling because it just seemed really
expensive and like risk and I was very frugal anyway.
And then like cut two two years later, I was like,
you know what, I am going to go traveling.
Speaker 2 (04:20):
So I broke up with him and went on changes
we should go traveling. And then you were like, do
you know what, I think this is a more me thing. Yeah,
it was like traveling bye. So I dumped his ass. No,
it was a really nice guy. I shouldn't say that,
but you all kind of did.
Speaker 3 (04:38):
But then so then went on exchange, and I think
when I came back, I just had like withdrawals, you know.
And then I went back to my job and they
just didn't feel the same, and it was just looking
at the world in a different light. So then I
was like, oh my god, I started to all of
a sudden look at my cause you know, what my
parents wanted for me was job security. That's what the
career was, financial stability and like future proofing your future life.
Speaker 2 (05:00):
That's literally what we want for our kids, right, Like
we want them to be safe secure. That's when I
have a good job and be able to put food
on the table. And like you mentioned before, you guys
immigrated from China, Like I'm assuming that they did so
to give you a better life. That is the like
Australian dream. Yeah, right, like you'd done it, you'd achieved it,
but model trial until so.
Speaker 3 (05:23):
Then when I came back, I looked at everything, and
I looked at this forty year career not as financial stability,
but as a prison sentence.
Speaker 2 (05:32):
You were like, what I'm trapped.
Speaker 3 (05:35):
I did not want to do forty years of hard
time in accounting, so I guess with his ex boyfriend.
Not only did I like dump him, you know, I've
started the business before he started the business, and I've
gone traveling without him, but then I actually started also
this kind of side hustle. My friend came to me,
she got maybe redneant as an investment banker during the
global financial crisis, and she was like, just run this
(05:58):
pop up store. I'm liked, like, I would love to
start a business, but I don't think it would be
fashion on retail like that feels like it would be
something that and this probably was back then, like it's.
Speaker 2 (06:10):
For the elite. It's for people who are who are
well we have connections. But then I didn't have any
better business ideas, so I'm like, well, if I've got
no better ideas, let's just go with yours. Love.
Speaker 3 (06:22):
So basically we would get up, we made business cards
and just went to market stores and just handed them out.
Speaker 2 (06:28):
I mean, she probably did most of the work, but
I like that you're giving you the credit. Yeah, credit
where credit's true, And no, she had the confidence back there.
Speaker 3 (06:34):
I didn't as much, but I did a bit, but anyway,
you know, just handing out business cards and then just
be like, do you want to be stocked with us?
The business was called fat Boy Group with a silent
fat Boy wouldn't eat at bed trah.
Speaker 2 (06:53):
None of it is great, we thought. Anyway, I don't
even know, you know what, We've all got to start somewhere,
and you're not embarrassed. You started to yeah, exactly.
Speaker 3 (07:01):
You know, we started operating this pop up store and
we actually got a ton of press, and then we
actually got suppliers, crazy fifty like suppliers. Anyway, the whole
idea wasn't working.
Speaker 2 (07:12):
It was just like.
Speaker 3 (07:14):
Just breaking even at best, and was so much manual labor.
And I think one of the biggest mistakes is startups
make is that they don't value their time and they
don't pay I mean, you can't pay yourself a salary,
but you're kind of not realizing what your break even
point is because you are not really understanding like costs
of the opportunity costs or your salary anyway.
Speaker 2 (07:36):
So then I was.
Speaker 3 (07:37):
Really hating my job, and because I was distracted by
this business, I was hating my job and then suck
it downward spiral, because when you're bad at something, you
become worse at it, and then then you become you know,
more disengaged.
Speaker 2 (07:49):
So and we doubled down as well, because we're not
willing to admit that we're on the downward spiral exactly.
Speaker 3 (07:54):
But then I was spending half the time like on
I had these fake spreadsheets open and I would just
be like old tabbing as soon as someone walks by
my desk, but actually being on Facebook the whole time,
trying to push the business. And then they started making
people redundant as part of the global financial crisis, and
my two bosses, who I thought were like the people
(08:15):
there to that could look at support me, they got
me redundant, and I'm like, whoa I am next?
Speaker 2 (08:22):
And then one day I was just you know what
I need.
Speaker 3 (08:27):
I need to do something else, because I all, the
only thing I've got to look forward to today is
a meatball sub for lunch.
Speaker 2 (08:33):
That's pretty good. I know it's a lot bad.
Speaker 3 (08:35):
Yeah, extra sauce. But I quit and they were so
glad you could tell. They were like, you know that look,
And because I've done it before, We're like, oh you quit.
Speaker 2 (08:45):
Oh. I was going to fire you. Thank god they
did that to you. I swear to talk to me
about part where you learned your parents, because like this.
Speaker 3 (08:53):
Whole time when I quit my job, I just could
not the idea of telling my parents that everything that
we've been working towards. And I do say we, because
you know, your parents committed exactly. They've left their family
and friends, their jobs, everything to move to Australia, and
then I had everything that they've wanted as we discussed,
(09:15):
and so I was like, how could I possibly tell them.
Speaker 2 (09:18):
That I no, So so you didn't. You just did
do them. So I just kept getting up and pretend
to go to work every day. And so you got
dressed in your little suit and you got a little
sandium and you walked out. What were you doing during
the day when you were pretending to be at work.
Speaker 3 (09:33):
Well, so my mum also worked in the city, so
we had to get the hosses. So that's also part
of the facade. So you had to go into this city.
So at the start, I would like kind of romanticize.
I'm like, I'm going to work on a business. Idea,
now work on this business. So at the time I
wanted to turn this business into an online store.
Speaker 2 (09:52):
Yeah.
Speaker 3 (09:53):
And then so I started like building a website, like
looking up how to do it. So I'll go to
a cafe and just you know, with my life top,
with my dell.
Speaker 2 (10:01):
You know, like that would even last. It last long enough,
you're like forty five minutes before you need to charge it.
Someone come up, like, would you like to get another drink?
I'm like, no, I can't affoord this.
Speaker 3 (10:12):
So then I moved to State Library, which really felt
like I was going backwards because I spent my high
school studying.
Speaker 2 (10:18):
You know, I'm like, oh my god, I'm stuck in
the time loop. And then I started just going back home.
Speaker 3 (10:24):
But then once like I remember, like my dad came
home early, but I boiled water, but you got really
like un boiled water, and then like I don't know,
it wasn't.
Speaker 2 (10:32):
Time to tip it out. He was like I was,
And I came home because ever said all that, I
just I just remember that now and just like keeping
up this that would have been exhausting.
Speaker 3 (10:46):
Yeah, and then so it got worse when so I've
been building this website for a month, this online store
still felt norvel at the time.
Speaker 2 (10:55):
At this point, I don't think I really truly bought online, yeah,
because I know my first big fashion online I just
was from a sauce like three or four months after
I showed like I didn't do research because they have
the money to buy stuff. And also it wasn't as
easy to do the research as it is today. Exactly.
Speaker 3 (11:11):
So my business partner coincidantly, like she kind of was
like also coercing me to like quit my job and focus.
Speaker 2 (11:18):
On the business. She got me redoundance she had working
she was bored as well. Yeah, and she was. And
then so she spent that month while I resigned on holidays.
She came back.
Speaker 3 (11:29):
I thought we'd be like hit the ground running, like
recharge my I've got a website almost ready. And then
she came back and I was like, look at this website,
and she's like, Jane, you know, I'm sick of being broke.
I'm sick of the start of life. I've actually been
job hunting while I was on holidays, and she found
a job and she was going back to Wyke.
Speaker 2 (11:48):
And she didn't want to do because I would have
been like, oh, I was waiting for you to come back.
And I built this website pass and was begging her.
I was like, just look at the website. Isn't it
crazy in retrospect, because like, I've been in that situation
where someone's like I'm out and I've been like please stay,
like I need you, and then all of a sudden, sorry,
(12:09):
we're here now, Jane, that was the best thing that
ever happened to you. Yes, I said to her. I
was like, please look at it. She said to me.
Speaker 3 (12:17):
Look, Jane, no one shops online, and she is eating
those words up one letter at a time right now.
Speaker 2 (12:23):
But I remember bawling.
Speaker 3 (12:24):
I was actually outside my in law's house and I'm like,
oh my god, how do I tell everyone I've just failed?
Speaker 2 (12:29):
How do I tell my parents? Like the whole thing
was like, I mean, she'd pulled out.
Speaker 3 (12:33):
The business was meant to be successful, so then I
could tell my parents, Hey, I've put my job, I've
got this successful business, and now I've got nothing.
Speaker 2 (12:41):
I am all of a sudden broke. I am in debt.
Speaker 3 (12:44):
No fat boy, I am no fat boy, no failed business.
It just felt like another failure, embarrassed, ashamed. And it
was in the middle of the global financial crisis.
Speaker 2 (12:53):
So you finance was not happening, all right, So you
co founders out and then you had to go all
solo and like you couldn't get another job in the
global financial crisis your co founder at the time had,
which is low key kind of rude because you would
have been like, well, I can't go do that, like
that's not an opportunity. So you kind of got forced
into starting yourself. What gave you the confidence to be like,
(13:14):
I'm gonna do this by myself, because no, I didn't
have the confidence back then. I wouldn't been anxious. No,
I actually I went to I had one friend that
had his own business, one friend like no one like
everyone had were working was to at union at this point,
and I kept trying to get a job with him
because I was like, well, he's the other person I
might give me a job and I learn from him.
And then he was like, nah, but I do have
(13:37):
another friend that wants to start an online store. Why
don't you meet her? And I was like, you know,
like that's the last thing I should be doing fashion
retail online, Like I've just already just fously I don't
want to do that.
Speaker 3 (13:50):
Yeah, And then so he just insisted that I'm like
you know what, Like I can't be like trying to
ask him for guidance and you know, hopefully a job
later and not even take on his advice.
Speaker 2 (14:00):
I'm like, why don't I just go meet him when.
Speaker 3 (14:02):
I don't walk the walk, when it goes nowhere, I'll
come back and ask him for a job again. Anyway,
met her hit us straight away and just like became
like besties. And then maybe the third time meeting her,
like over we had a few twminy glasses of red
wine and then we started the name and id behind
show Pony, which is what we were called back then.
Speaker 2 (14:23):
I remember I was on Instagram a way back when,
Like I feel like it was the era of like
what was it? There was that memes? Yeah, there was
a lot of cat memes. There was show Pony, and
I used to follow you guys, and there was like
a few other like startup brands like Beginning Boutique kind
of like started around then too, and like it was
(14:45):
cool watching it grow. But I feel like Show Pony
you lost that co founder as well, So what happened?
So she's out as well? Yes, and she's a very
very good friend now.
Speaker 3 (14:58):
She always had her own business, Yeah, and her business
was just taking off and Chopreney was failing and so
by I think we were doing it together for like
fifteen months or something like year to year and a half,
and then we were down to making five thousand dollars
a month, which is like again, you know, at a
huge loss if you were to factor in like salaries,
we do need to talk about that. But then it's
(15:20):
like that's like one or two orders a day. So
think about like you're like, oh, I've just put my
job and I'm packing sending one of two orders a day.
Speaker 2 (15:28):
We had stores, but it just wasn't working as well
as so you brought her out, right, Yeah, so for
twenty thousand dollars money win. So show Po's last valuation
is forty thousand dollars money win. Yeah, let's just leave
it at that, Like actually, no, we want the bank
to see a little bit more than that so that
we can like invest to buy properties and going to
here person you've grown but like you bought out her
(15:50):
and like after what fifteen months, decided okay, I can
do this on my own. Talk to me, because Chopo
is one of honestly, from my research, one of the
first Australian brands to really leverage Instagram and Facebook, like,
and that's what I mean, Like, I don't know how
I found you so early, but I remember following and
(16:10):
seeing like used to do like lots of skirts, lots
of tops, like I used to follow and I used
to buy it religiously. I was still at school with
all anyway, how has that changed since? And like, is
Facebook and Instagram marketing still your biggest Definitely not.
Speaker 3 (16:27):
So much Facebook, but TikTok is huge, and I feel
like we need we can be we should be doing
better on TikTok.
Speaker 2 (16:33):
But like everyone I talked to says we should be
doing better on TikTok, we should be more organic on TikTok.
And then none of us are doing it because really
busy and we're also like millennials. So wow, I'm exhausted now.
Speaker 3 (16:43):
I'm so annoyed because when I remember getting on TikTok
in twenty nineteen and then twenty.
Speaker 2 (16:48):
Twenty, I'm like, oh, we missed the wave like twenty
and then I but and then I think I didn't
get into.
Speaker 3 (16:55):
It because I was like pregnant and you're just not
feeling like getting on camera and Also, you're not in
the office to do office talk. Didn't in the film,
you know, me myself talking. Yeah, if it was on
the office, I think we could have done it and
got it in much earlier. But it is what it is,
and I think it's like never too late. So that's
the that's the lesson.
Speaker 2 (17:14):
Like in twenty twenty, I thought I was too late
to TikTok. No you weren't. But on TikTok and on Instagram,
I feel like I follow Showpo and I'm not gonna lie,
like your personal social media account and the show post
social media account maker looks so fun to work at Showpo.
Like I'm sometimes like maybe I should work at Showpo
because yeah, girls look like they're having so much fun.
I can't do anything, don't know anything about retail, but
(17:37):
like I would like to be there for the vibes.
Was that intentional? Like are you posting that way purposefully?
And like, what's your view on founders being front and
center on TikTok as a brand strategy, because as you said,
like I was pregnant, I didn't want to do those things.
But like you and I both know that when you
put a founder, yeah first and foremost, it drives sales
(17:59):
like no mother. Yeah, and I think that's what like
people resonate with, and like, I think part of my
thing is like I'm like slowly edging out of my demographic.
So you know, like you're not You're You're still young,
You're still fresh, You're still vibrant. I love it.
Speaker 3 (18:13):
I was twenty four with Showbro satured and I used
to say, our demographic is eighteen to twenty six, and
that just kept creeping.
Speaker 2 (18:19):
Up and creeping up and creeping with older millennials.
Speaker 3 (18:21):
Yeah, I think it's like, honestly, these days it's it's
look a look at I mean look at road right,
like selling for a billion dollars to Elf like and
all based on like Hayley Beaber's brand like three years
maybe ten products, Like it's insane.
Speaker 2 (18:37):
That just I mean that's on the very extreme.
Speaker 3 (18:39):
She is a celebrity, but like that shows the importance
of the emotional connection that people will have with the
founder and and the personal brand.
Speaker 2 (18:48):
Absolutely, and that meaning if someone approached you with a
really big deal, you'd sell show po oh. Yes, if
anyone wants to send me a billion dollars, take it.
I mean you're making a hundred million dollars a year,
like your annual turnover is insane for a business that
is still completely found to run. Like I always look
at it, I'm like, how is she a magician? Like,
(19:10):
not only are you still managing to make time for
the pub and your kids and your husband and having
fun at work. I don't think people understand that is
a lot of volume. That is a lot of work
that you're putting in behind the scenes while making it
look very sexy online. Go, how are you managing this
without completely burning out?
Speaker 3 (19:28):
So I have a very good support network, So I mean,
obviously the team, We have a really good team.
Speaker 2 (19:34):
And then I also have nanny.
Speaker 3 (19:37):
She does like, you know, like thirty hours a week
and then helps with drop offs, pickups, kids, breakfast, all
that kind of stuff. She's on annually right now, which
is so definitely this is not me at my best today.
Speaker 2 (19:50):
I'm like, that's why. I'm like, Oh, like you said,
takes a really saturday, it does take a village, it does.
Speaker 3 (19:55):
But I think, really, my husband does so much. So
he used to work in he used to work in
banking and private equity. People he used to you know,
have these big corporate jobs. He was doing strategy and
planning also at uber, and I just thought he was
very corporate, so I didn't But how.
Speaker 2 (20:16):
Did you two meet? Go back on exchange in Sweden.
So that's right. That's the thing. Also about my ex boyfriend,
I'm like, oh, just go to Sweden and see if
I come maybe up, maybe I'll know you met your
future children. So great support network. You've got a village
around you supporting you. But like, what are you doing
for you? Because that sounds like a lot of people
(20:37):
are managing a lot of things for you.
Speaker 3 (20:40):
I do a lot of habit stacking, so you know,
in terms of like working out, I've got a peloton
with a stand and then you know, like so then
I can just work on my laptop one like doing that.
And then like I think, like you know, podcasting while
you're like in the middle of like putting on makeup
that kind of stuff. I think it's just like aacking
(21:00):
things together, really just buying more time. And then the
thing I truly do for myself is like watching TV.
Like I have to watch an hour of TV at
least in so I'm watching like Mormon Wives.
Speaker 2 (21:12):
Obviously I'm already threw that clock to that. Yep. Did
you see our momal Wives dinner? Yes? Absolutely, the reunion
was iconic, so we are. Yeah, so most of the
ladies that were so lovely. That was actually wild. I
remember seeing it and like you had posted something. I
think I just saw it like on your story fleetingly
and I thought that you were just like there by
(21:33):
chance and saw someone famous, right, And then I saw
more and more and I'm like, holy shit, she's orchestrated
this whole thing. And we bade it like is Jane
joining mom talk? Why not? But no, they don't enjoy
going to the pub. Yeah exactly. Things like that would
never have been on my radar, but somehow on your radar,
(21:55):
like you were just like, oh, this would be really
good and would go viral, and it absolutely did. Like
I feel like after I saw on your stories, it
was everywhere and everyone was talking about it, like them
blown up season two even more. And that's again my team.
I am obsessed with that. But you've clearly got a
very good eye for what's trending and what's coming up
and what is going to be popular or might even
(22:18):
go viral. So tell me what emerging spaces have you
kind of got your eye on at the moment. Oh
my god. I actually I just know that you're always looking.
Speaker 3 (22:27):
Yeah, we always you know, we've done so many things
as like a fus, like when we've done extended sizes.
We were the first of a business out size to
like out in terms of like a smaller business, yeah,
to do close up to size twenty, and then we
did like affordable bridle.
Speaker 2 (22:43):
We were like one of the first to do like
active weight in this space, which we don't even do anymore.
Speaker 3 (22:48):
We do always kind of like think about where to
innovate next, and so I think part of that has
kind of like shifted from like product innovation because I
think now it's all about also like niching down them
being more focusing product and then that evolving too more
like in like the marketing space walking to you for customers.
Speaker 2 (23:05):
So we've covered I guess you having really good instinct
and innovation and seeing trends before their trending, But how
do you actually scale two million dollar months and keep
it all together. I'm going to go to a really
quick break on the flip side. Girl, you're gonna have
to answer that. All right, we are back Jane what's
(23:28):
it like hitting million dollar months?
Speaker 1 (23:31):
Like?
Speaker 2 (23:31):
Is that some kind of like I feel like it's
a wild mildstone that lots of business owners will only
ever achieve in their dreams. What got you there? What
did that feel like? Are we celebrating? Are we terrified?
Speaker 1 (23:44):
Like?
Speaker 2 (23:44):
What does that look like when we're hitting million dollar months?
Because that gol, that's wild and you do this truly
every day.
Speaker 1 (23:50):
Now.
Speaker 3 (23:50):
It's honestly crazy because I don't think I in a
way this is going to sound really dumb.
Speaker 2 (23:56):
This is definitely go mat.
Speaker 3 (23:57):
It's like, I didn't realize how much that was until
I sat on my podcast and I'm riding people's bike
like the intros, and I'm like.
Speaker 2 (24:05):
Wow, this is so impressive.
Speaker 3 (24:07):
And they're doing like twenty mil, which is so impressive,
and I'm like, oh, like businesses, I'm like writing about
the growth and they're three mil.
Speaker 2 (24:14):
I'm like wow. I'm like wait, I feel like when
you're in it, you've just got blinkers because it's it's
not like a big you know, it's always been like
an organic growth. Yeah. So I was speaking to Alice
Trend before you. I got the privilege of interviewing her
and I was like, you know, you've achieved so much,
and she's like, oh have I And it's very modest.
She's not just modest, but like she's always looking for
(24:35):
the next big thing, and like, you know, I think
you and I would sit here and be like, oh,
TD was like so impressive. Yeah that was so cool,
and she's yeah whatever, Like I grew that, but like
there's always more to do. And I think that as founders,
we just don't give ourselves the credit that other people
give us. But also we've got blinkers on inside our
business and so like you would have hit million dollar
(24:56):
months and been like, oh god, like we just don't
have enough here or here, like not really thinking about
that as a quote milestone. But when you did your
podcast and started to reflect, hold on, I have one
hundred million dollar revenue business where you like, how a
number of zeros? That is right?
Speaker 3 (25:13):
Holy shit?
Speaker 2 (25:15):
But I love that for you, And what does that
look like day to day? Does that change? Because you're
just no, like, because I'm Chinese and Chinese people are
naturally frugal. My husband's just like very like he calls
it rational.
Speaker 3 (25:30):
So we're both not like crazy spenders because we just
can't rationalize it because we both he grew up like
he went to private school, so he's not that, but
like I grew up poor, he grew up frugal.
Speaker 2 (25:42):
Like, so what does that look if I can be
so pervy? But what does that You've clearly got one
hundred percent founder owned business. I would make an assumption
that there is some pretty nice profits coming out of
that pretty regularly. Obviously, that means that you're pretty monest
to be honest, Like you're just like, yep, cool, Like
probably where your own products all the time. I know
you splash on some nice shoes. You and I are
(26:03):
on the same page, like we love a nice pair
of shoes, but like I do see your content and
you're like, I'm not going to spend money on that.
Like I still love seeing my tinny absolutely have. I've
also seen your husband's shoes and I just look and
go they're so down to earth. But what are you
doing with your cash? Are you investing it? Are you
investing in property? Is it just sitting there because you
(26:23):
have analysis paralysis? Like what's it like being a frugal
person who also has cash sitting there that you could
probably spend?
Speaker 3 (26:30):
I think part of it is like my husband is
very so we're now going down like we might actually
invest in more property.
Speaker 2 (26:38):
We're not property people like.
Speaker 3 (26:39):
He's a very like financial instruments like shares index, fun
kind of person.
Speaker 2 (26:44):
I actually ask you for your advice. But I feel
like he's got his head screwed on as well. That
man is smart. Smart I actually had yesterday.
Speaker 3 (26:51):
I spoke to Melanie Leeson, who's the founder in Don't
to SPA, and I was like, well, would you tell
your younger self and you then most people are like, oh,
just like trust yourself, blah blah blah. She it was
the most practical one that she's I can recall. She said,
I would have started my Instagram at the business Instagram
account earlier and I would have brought some of the
(27:12):
properties that we were operating in.
Speaker 2 (27:14):
Yes, smart, Now, I didn't dig deep enough.
Speaker 3 (27:16):
I was like, I don't know if that's because like
landlords have jacked had the prizes due to their success
or it's because of the land appreciation of both anyway,
But I'm like, Okay, so I'm like, maybe, like I
do think like we will look at some like property opportunities,
but he's always just wanted to, like, you know, do
(27:37):
his like trust tax, energy, trust, blah blah blah.
Speaker 2 (27:40):
Things, and I'm like, I off king and then just
like invest in index. See fun kind of thing. Because
I mean, knowing your story, you went from being in
like sixty thousand dollars worth of personal debt to now
not having that kind of financial pressure. Is that something
that changes the way you make decisions or were you
always like no, no, no, I'm going to be successful.
(28:00):
Like talk to me about getting out of debt, because like,
I don't think people ask you that because they're all
too probably preoccupied with the idea that you have a
one hundred million dollar business. But I'm like, so, when
you're in sixty thousand dollars with debt, what'd that feel like?
And what did it feel like to get out of it?
It felt like you were like walking in concrete or
like just like concrete that's about to dry up, Like
(28:21):
you're just like, you know, there's nightmares you have in
your running and you can't run fast enough.
Speaker 3 (28:25):
Yes, that was really tough, and that actually getting out
of debt. So basically the month after my business partner left,
we doubled from five thousand to nine thousand dollars, and
then the next month went to forty thousand, and then
seventy five and then one forty so within.
Speaker 2 (28:41):
A Shay was grow grow growing less than the year.
Speaker 3 (28:44):
We went from five thousand dollars a month to one
hundred and forty thousand, which is a million dollar run rate.
Speaker 2 (28:52):
So the getting out of debt happened. That actually happened
so fast. I was like whoa.
Speaker 3 (28:57):
And then actually to wrap up the previous story about
my parents and lying to them and actually so I
put up that facade for six months. And then my boyfriend,
my husband, he moved from Bruce so we mean sweet then,
but he lived in Brisbane, so he moved from Brisbane
to Sydney for his investment banking job, and then we
never had a.
Speaker 2 (29:16):
Chat to be like can we should we live together?
As soon as he showed up, I just like locked
up at his apartment with all my things and all
my stock as well. I love this and he was like, right,
so I guess you're staying yeah, you know.
Speaker 3 (29:30):
And then for the next year at least I could.
I kept up that facade, but I wasn't living at home,
so it was a lot easier and it took me
like two years to finally tell them, And that was
probably one of my happiest moments when I told them,
and I said, I just wanted to really make sure
I was still being a good Asian daughter. So I
was sandwiching it. So I said, I'm buying you guys
your first ever brand new car. So they've only had
(29:53):
like secondhand and really old secondhand cars. And also I've
just like quit that job, so I quit two years ago,
and I want to pay off your mortgage.
Speaker 2 (30:02):
Stop it. I like being able to like I feel
like you know, you're saying, oh, like you know, immigrated
from China, your parents have given up everything. That was
a lot of pressure. You clearly lied to them now
because you're like, do you know what I really want
to lie to my parents. You were like, I'm feeling
this pressure. Yeah, but you didn't just go, oh, I
quit my job and at some point the truth's going
(30:22):
to come out. Truth not only came out, you paid
off their mortgage and brought them a car. I don't
know what I do. I think i'd like craph What
was that like for you? Oh? It was just like
everything I felt.
Speaker 3 (30:32):
I was like, I can't believe I've actually like I'm
living the immigrant dream, like this.
Speaker 2 (30:36):
Is what like, is that one of those pivotal moments
where you're like, oh shit, I've kind of made it.
Not that I know that you said before, oh shit,
like I have kind of lost track of the numbers
side of things, But what are the pivotal moments for
you that you're like, shit, like I've made it. I
think that's that. And then also just at some point
I realized that I've just actually built up the skills
that if I was if everything failed, this is very
(30:58):
quite early on, if everything failed, that I could actually
just like get a job somewhere else that was that's
better than mine. You run a cology company and you're like,
I could still get a job. I think at some point,
I think I'm a very positive person. When the Iconic
launch in Sydney Australian and they were doing really well.
(31:18):
So there's like twenty sixteen, two and seventeen, I'm like, well,
business fails, like I can always just go work for them.
I love that you're like, I could get a job there.
Speaker 3 (31:27):
That's to your other point, I just about you know,
kind of being not living it up too much whom being.
I think, you know, we definitely got to a point
where we were being like a bit yollow with money. Yeah,
I feel like that's nineteen We have like the very
we overspent on the office. Everything was just like very
we were kind of spending a lot on activations and
(31:49):
that kind of stuff. And then you know, like because
our risk profile was super high, felt like we could
just like keep growing, keep making it back, like and
just like if what and then also if everything failed, oh,
I just have this like you know, confidence that would
just bounced back and do something else. But also the
risk with the business was quite low because the business
(32:09):
was growing. Cut to a year later COVID hits and
it didn't hit as well. And then I was pregnant,
So then you're also, I think, just something changes in
you where you obviously you're not just the center of
your own universe anymore. And then I got married, Oh
you have other things to worry and care about, and
also the risks with the business came up, the risk
(32:30):
profile change, and it just completely inverted.
Speaker 2 (32:33):
And that's why I'm like, you know what, you always
need to like have a backup plan, have a backup plan,
and you love this so the iconic. If you're listening
to this, Oh my god, if you ever see Jane
sells to Chopin, maybe should come work for you. But
you have a very impressive resume, and one of the
things on your resume is you were a judge on
the last season of The Shark Tank, which was so cool.
(32:56):
I remember seeing the ads and I was like, Hey,
that's Jane and I was like to my husband, like,
that's so cool. Also seeing a female in that space,
a young female in that space, impressive, what's that experience? Like, oh,
I could believe it.
Speaker 3 (33:09):
And just even that as that pinched me moment was
like wow, I didn't grow up seeing girls like me
on TV And like what that must that sound cheesy?
Like that must give other girls the encouragement that they
can do it, and.
Speaker 2 (33:24):
Like you're not just a girl as well, you are
a Chinese immigrant and like seeing that front and center
being pushed, like, oh my god, this it's the latest
poster with a red jacket. It's me in the s's
a power suit. I love that you got to be
in the middle. I know WALDI My husband jokes, He's like, oh,
it's Jane and the sharks. I mean that's cute, Like
there's just my back Robert Herjebax just in my backup
(33:45):
d I love it. But also, not only are you
a shark tank judge, you also call yourself the lazy CEO.
Like that's like your tagline, which I think is absolutely iconic.
But what does being a lazy CEO look like day
to day? Because I would love to be a lazy CEO,
but I feel like if I was, my business would
go straight into the ground. Why do you think more
(34:09):
founders should really be working smarter, not harder, to have
long term growth. I think to be in it for
the be sustainable, to be sustainable.
Speaker 3 (34:17):
And now I'm fifteen years in and I'm very like,
I feel very balanced, And I think it's through delegating,
through trusting other people, and then also really importantly, like
some people will like not work out, some people might
screw you over, some people just and you just have
to bounce back. It's like if someone broke up with
you in the relationship, You've got to you're going to
(34:38):
bounce back. As we're not begging our business partners to stay.
Speaker 2 (34:41):
Yeah, but we have to go through that to kind
of grow through that right, because we have to have
that experience to be like you don't beg Exactly, tell
me if you had to start tomorrow from scratch, no following,
no money, no show po, what would you do first?
Would you be starting another brand? Would you be like, no,
I'm going to go work in a salary ayg job?
Like what would Jane do? I would love to like,
(35:04):
I think, I'm this is so silly.
Speaker 3 (35:05):
I romanticized the idea of like having doing something hospitality
like over the restaurants like cafes and bars.
Speaker 2 (35:11):
I know I can't cook. I don't know. I just
like love that cook. I mean to say this rudely, Bay,
but like you've got enough money that you could hire
people to cook. No, exactly, you're in your cafes. Let's
just taste the food. I am a harsh critic.
Speaker 3 (35:24):
No, obviously I'm not working behind the kitchen. I don't
even know why I said that. But that is like
this like romanticized retirement plant. Yeah, I think when I'm old,
I'm like no, no, no, I want that. But then
I secretly want to start like a little kiddy clothes business.
But I know that that's hard also because it's very
competitive space, but who knows fashion is competitive in general.
Speaker 2 (35:46):
That with everything that you've done now and achieved, which
is a lot. If you could go back to baby
Jane sitting on the bus next to her mum, going
to a fake job while her mum goes to a
real job and then going into the state library with
her has failed pop up and sixty grand worth of
dead hiding your unemployment from your parents, what would you
tell her?
Speaker 3 (36:07):
Don't worry about what other people think, just do what's
right for you, and you'd be surprised how the biggest
naysayers are actually the people that they.
Speaker 2 (36:17):
Will be the first to come to you for advice.
Speaker 3 (36:19):
Oh yes, the thing ever and oh such a cliche
that things will work out like better than you ever expected.
Speaker 2 (36:26):
I love that. I wish I had so much more
time with you. I feel like we often get together
and all we do is yap and I love it.
I love that. Yah. But it has been so good
having you on my show. It's been such a fun chat.
But I also know that our community is going to
walk away being like, oh my god, like she's just
so down to earth, but also like so inspirational and
tips and tricks and I mean probably don't lie to
(36:47):
your parents, but like you do what you've got to do, right, yes,
like we do what we've got to do to get ahead.
Speaker 3 (36:52):
This is your parents exactly do that as parents were like, no,
I've been listened to you.
Speaker 2 (36:56):
Can you imaginet like I think about my son and
I'm like, what do you mean? You would love to
me for years? Absolutely not for anyone who wants to
follow along your journey or your next move or chopo,
where can we find you at CHOPEO? Yeah, I feel
like that. I feel like that's lazy CEO. Sorry, I
will you know what, I will just put all of
your handles in our show notes so that people can
(37:18):
find and follow you. Jane. It's been a pleasure. And
for those of you who loved this episode, let us
know in the comments or share it with someone who's
also dreaming big but maybe just needs that little extra
push to get started. And don't forget to follow and
subscribe so that you never miss a business diaries drop.
We've got plenty more Powerhouse founders coming your way very soon.
I will see you guys soon. And Jane, thank you
(37:40):
so much for joining us.
Speaker 1 (37:42):
Thank you.
Speaker 2 (37:49):
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on the Money exists purely for educational purposes and should
not be light upon to make an investment or financial decision.
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(38:09):
your needs. Victoria Divine and Sheese on the Money are
authorized representatives of Money sherper p t y Ltd a
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My name is Tatasha Bamblet. I'm a proud First Nations
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(00:24):
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Speaker 2 (00:44):
She's on the Money. She's on the Money. Hello and
(01:08):
welcome to She's on the Money, the podcast where we
share the real life lessons behind starting, growing, and thriving
in your own business. I'm your host to Victoria Devine
and Today's Business Diaries. Guest is one of the most
successful and honestly straight up entertaining entrepreneurs in the country.
She went from a failed pop up shop and a
mountain of debt to building Chopo, a global fashion brand
(01:31):
with over one hundred million dollars in annual revenue, millions
of loyal customers, and a social following that most brands
would absolutely kill for. Along the way, she's rewritten the
rules on what it means to be a CEO, turned
social media into a serious sales engine, and built a
business that is one hundred percent founder owned, which is
practically unheard of at her scale. She's bold, she's brilliant,
(01:55):
and she's not afraid to spill the real story behind
the highlights. Reel Jane, Welcome to the show. Thank you
so much for having me. I'm so excited to finally
get you on my show. This is so funda. It's
so nice. Emal live work your magic in real life.
It was so fun. I feel like in the flash. Yeah,
And it's crazy because I'm meeting people while I'm in
(02:18):
Sydney that I'm like, I feel like I know you,
but like from socials and I'm like, is this weird
that I know so much about your life? But you
were a wildly successful founder. Now, thank you. Showpo wasn't
your first rodeo, can you take us back to who
you were before becoming an entrepreneur and taught me through
starting your first business, like I've heard it before. But
(02:38):
I need my community too, Okay.
Speaker 3 (02:41):
So I used to be an accountant and just hot
girls in finance, Like yes, So I thought, you know,
I thought accounting was like quite sexy back then, because
you get a suit, you get a paycheck, and so
it was all very exciting at the start. And you know,
I because I immigrated from China with my parents and
I'm an only child, so you know, they're just all
(03:02):
their exit in the Jaine basket and they all no pressure,
They've none look super chill. But all they wanted was
for me to get into the right high school, and
then from the from high school, get the right marks,
and then from there get into the right university. No pressure,
my degree, get the right job, blah blah blah. And
I did all that, and I was like, wow, I've
I made it. I even played eighth grade piano. I'm
(03:24):
like a model Chinese daughter.
Speaker 2 (03:25):
But so I all of a sudden, no, it wasn't.
I slowly realized that I didn't love it. It's a
hard realization to come to, especially when your parents are
putting so much pressure on you. Exactly. It just never
seems like an option.
Speaker 3 (03:38):
Like back then it was twenty two thousand and nine,
you know, you just don't really consider.
Speaker 2 (03:44):
Like sarting a business. Absolutely not.
Speaker 3 (03:45):
It was actually an ex boyfriend that at the time
he would, you know, kind of talk about it. I'm like, oh,
he's from Europe.
Speaker 2 (03:50):
He's like, oh my god, this guy, like he's I'm
just romanticizing the aciety of starting a business and traveling.
Speaker 3 (03:57):
You know, I just never thought it would be for me.
It just seemed like something you read about you watching.
Speaker 2 (04:02):
It, something from every boyfriend. Yeah, thank you sir.
Speaker 3 (04:06):
And then so when I when I met him, I
was like, I don't want to start a business. I
wasn't even interested in traveling because it just seemed really
expensive and like risk and I was very frugal anyway.
And then like cut two two years later, I was like,
you know what, I am going to go traveling.
Speaker 2 (04:20):
So I broke up with him and went on changes
we should go traveling. And then you were like, do
you know what, I think this is a more me thing. Yeah,
it was like traveling bye. So I dumped his ass. No,
it was a really nice guy. I shouldn't say that,
but you all kind of did.
Speaker 3 (04:38):
But then so then went on exchange, and I think
when I came back, I just had like withdrawals, you know.
And then I went back to my job and they
just didn't feel the same, and it was just looking
at the world in a different light. So then I
was like, oh my god, I started to all of
a sudden look at my cause you know, what my
parents wanted for me was job security. That's what the
career was, financial stability and like future proofing your future life.
Speaker 2 (05:00):
That's literally what we want for our kids, right, Like
we want them to be safe secure. That's when I
have a good job and be able to put food
on the table. And like you mentioned before, you guys
immigrated from China, Like I'm assuming that they did so
to give you a better life. That is the like
Australian dream. Yeah, right, like you'd done it, you'd achieved it,
but model trial until so.
Speaker 3 (05:23):
Then when I came back, I looked at everything, and
I looked at this forty year career not as financial stability,
but as a prison sentence.
Speaker 2 (05:32):
You were like, what I'm trapped.
Speaker 3 (05:35):
I did not want to do forty years of hard
time in accounting, so I guess with his ex boyfriend.
Not only did I like dump him, you know, I've
started the business before he started the business, and I've
gone traveling without him, but then I actually started also
this kind of side hustle. My friend came to me,
she got maybe redneant as an investment banker during the
global financial crisis, and she was like, just run this
(05:58):
pop up store. I'm liked, like, I would love to
start a business, but I don't think it would be
fashion on retail like that feels like it would be
something that and this probably was back then, like it's.
Speaker 2 (06:10):
For the elite. It's for people who are who are
well we have connections. But then I didn't have any
better business ideas, so I'm like, well, if I've got
no better ideas, let's just go with yours. Love.
Speaker 3 (06:22):
So basically we would get up, we made business cards
and just went to market stores and just handed them out.
Speaker 2 (06:28):
I mean, she probably did most of the work, but
I like that you're giving you the credit. Yeah, credit
where credit's true, And no, she had the confidence back there.
Speaker 3 (06:34):
I didn't as much, but I did a bit, but anyway,
you know, just handing out business cards and then just
be like, do you want to be stocked with us?
The business was called fat Boy Group with a silent
fat Boy wouldn't eat at bed trah.
Speaker 2 (06:53):
None of it is great, we thought. Anyway, I don't
even know, you know what, We've all got to start somewhere,
and you're not embarrassed. You started to yeah, exactly.
Speaker 3 (07:01):
You know, we started operating this pop up store and
we actually got a ton of press, and then we
actually got suppliers, crazy fifty like suppliers. Anyway, the whole
idea wasn't working.
Speaker 2 (07:12):
It was just like.
Speaker 3 (07:14):
Just breaking even at best, and was so much manual labor.
And I think one of the biggest mistakes is startups
make is that they don't value their time and they
don't pay I mean, you can't pay yourself a salary,
but you're kind of not realizing what your break even
point is because you are not really understanding like costs
of the opportunity costs or your salary anyway.
Speaker 2 (07:36):
So then I was.
Speaker 3 (07:37):
Really hating my job, and because I was distracted by
this business, I was hating my job and then suck
it downward spiral, because when you're bad at something, you
become worse at it, and then then you become you know,
more disengaged.
Speaker 2 (07:49):
So and we doubled down as well, because we're not
willing to admit that we're on the downward spiral exactly.
Speaker 3 (07:54):
But then I was spending half the time like on
I had these fake spreadsheets open and I would just
be like old tabbing as soon as someone walks by
my desk, but actually being on Facebook the whole time,
trying to push the business. And then they started making
people redundant as part of the global financial crisis, and
my two bosses, who I thought were like the people
(08:15):
there to that could look at support me, they got
me redundant, and I'm like, whoa I am next?
Speaker 2 (08:22):
And then one day I was just you know what
I need.
Speaker 3 (08:27):
I need to do something else, because I all, the
only thing I've got to look forward to today is
a meatball sub for lunch.
Speaker 2 (08:33):
That's pretty good. I know it's a lot bad.
Speaker 3 (08:35):
Yeah, extra sauce. But I quit and they were so
glad you could tell. They were like, you know that look,
And because I've done it before, We're like, oh you quit.
Speaker 2 (08:45):
Oh. I was going to fire you. Thank god they
did that to you. I swear to talk to me
about part where you learned your parents, because like this.
Speaker 3 (08:53):
Whole time when I quit my job, I just could
not the idea of telling my parents that everything that
we've been working towards. And I do say we, because
you know, your parents committed exactly. They've left their family
and friends, their jobs, everything to move to Australia, and
then I had everything that they've wanted as we discussed,
(09:15):
and so I was like, how could I possibly tell them.
Speaker 2 (09:18):
That I no, So so you didn't. You just did
do them. So I just kept getting up and pretend
to go to work every day. And so you got
dressed in your little suit and you got a little
sandium and you walked out. What were you doing during
the day when you were pretending to be at work.
Speaker 3 (09:33):
Well, so my mum also worked in the city, so
we had to get the hosses. So that's also part
of the facade. So you had to go into this city.
So at the start, I would like kind of romanticize.
I'm like, I'm going to work on a business. Idea,
now work on this business. So at the time I
wanted to turn this business into an online store.
Speaker 2 (09:52):
Yeah.
Speaker 3 (09:53):
And then so I started like building a website, like
looking up how to do it. So I'll go to
a cafe and just you know, with my life top,
with my dell.
Speaker 2 (10:01):
You know, like that would even last. It last long enough,
you're like forty five minutes before you need to charge it.
Someone come up, like, would you like to get another drink?
I'm like, no, I can't affoord this.
Speaker 3 (10:12):
So then I moved to State Library, which really felt
like I was going backwards because I spent my high
school studying.
Speaker 2 (10:18):
You know, I'm like, oh my god, I'm stuck in
the time loop. And then I started just going back home.
Speaker 3 (10:24):
But then once like I remember, like my dad came
home early, but I boiled water, but you got really
like un boiled water, and then like I don't know,
it wasn't.
Speaker 2 (10:32):
Time to tip it out. He was like I was,
And I came home because ever said all that, I
just I just remember that now and just like keeping
up this that would have been exhausting.
Speaker 3 (10:46):
Yeah, and then so it got worse when so I've
been building this website for a month, this online store
still felt norvel at the time.
Speaker 2 (10:55):
At this point, I don't think I really truly bought online, yeah,
because I know my first big fashion online I just
was from a sauce like three or four months after
I showed like I didn't do research because they have
the money to buy stuff. And also it wasn't as
easy to do the research as it is today. Exactly.
Speaker 3 (11:11):
So my business partner coincidantly, like she kind of was
like also coercing me to like quit my job and focus.
Speaker 2 (11:18):
On the business. She got me redoundance she had working
she was bored as well. Yeah, and she was. And
then so she spent that month while I resigned on holidays.
She came back.
Speaker 3 (11:29):
I thought we'd be like hit the ground running, like
recharge my I've got a website almost ready. And then
she came back and I was like, look at this website,
and she's like, Jane, you know, I'm sick of being broke.
I'm sick of the start of life. I've actually been
job hunting while I was on holidays, and she found
a job and she was going back to Wyke.
Speaker 2 (11:48):
And she didn't want to do because I would have
been like, oh, I was waiting for you to come back.
And I built this website pass and was begging her.
I was like, just look at the website. Isn't it
crazy in retrospect, because like, I've been in that situation
where someone's like I'm out and I've been like please stay,
like I need you, and then all of a sudden, sorry,
(12:09):
we're here now, Jane, that was the best thing that
ever happened to you. Yes, I said to her. I
was like, please look at it. She said to me.
Speaker 3 (12:17):
Look, Jane, no one shops online, and she is eating
those words up one letter at a time right now.
Speaker 2 (12:23):
But I remember bawling.
Speaker 3 (12:24):
I was actually outside my in law's house and I'm like,
oh my god, how do I tell everyone I've just failed?
Speaker 2 (12:29):
How do I tell my parents? Like the whole thing
was like, I mean, she'd pulled out.
Speaker 3 (12:33):
The business was meant to be successful, so then I
could tell my parents, Hey, I've put my job, I've
got this successful business, and now I've got nothing.
Speaker 2 (12:41):
I am all of a sudden broke. I am in debt.
Speaker 3 (12:44):
No fat boy, I am no fat boy, no failed business.
It just felt like another failure, embarrassed, ashamed. And it
was in the middle of the global financial crisis.
Speaker 2 (12:53):
So you finance was not happening, all right, So you
co founders out and then you had to go all
solo and like you couldn't get another job in the
global financial crisis your co founder at the time had,
which is low key kind of rude because you would
have been like, well, I can't go do that, like
that's not an opportunity. So you kind of got forced
into starting yourself. What gave you the confidence to be like,
(13:14):
I'm gonna do this by myself, because no, I didn't
have the confidence back then. I wouldn't been anxious. No,
I actually I went to I had one friend that
had his own business, one friend like no one like
everyone had were working was to at union at this point,
and I kept trying to get a job with him
because I was like, well, he's the other person I
might give me a job and I learn from him.
And then he was like, nah, but I do have
(13:37):
another friend that wants to start an online store. Why
don't you meet her? And I was like, you know,
like that's the last thing I should be doing fashion
retail online, Like I've just already just fously I don't
want to do that.
Speaker 3 (13:50):
Yeah, And then so he just insisted that I'm like
you know what, Like I can't be like trying to
ask him for guidance and you know, hopefully a job
later and not even take on his advice.
Speaker 2 (14:00):
I'm like, why don't I just go meet him when.
Speaker 3 (14:02):
I don't walk the walk, when it goes nowhere, I'll
come back and ask him for a job again. Anyway,
met her hit us straight away and just like became
like besties. And then maybe the third time meeting her,
like over we had a few twminy glasses of red
wine and then we started the name and id behind
show Pony, which is what we were called back then.
Speaker 2 (14:23):
I remember I was on Instagram a way back when,
Like I feel like it was the era of like
what was it? There was that memes? Yeah, there was
a lot of cat memes. There was show Pony, and
I used to follow you guys, and there was like
a few other like startup brands like Beginning Boutique kind
of like started around then too, and like it was
(14:45):
cool watching it grow. But I feel like Show Pony
you lost that co founder as well, So what happened?
So she's out as well? Yes, and she's a very
very good friend now.
Speaker 3 (14:58):
She always had her own business, Yeah, and her business
was just taking off and Chopreney was failing and so
by I think we were doing it together for like
fifteen months or something like year to year and a half,
and then we were down to making five thousand dollars
a month, which is like again, you know, at a
huge loss if you were to factor in like salaries,
we do need to talk about that. But then it's
(15:20):
like that's like one or two orders a day. So
think about like you're like, oh, I've just put my
job and I'm packing sending one of two orders a day.
Speaker 2 (15:28):
We had stores, but it just wasn't working as well
as so you brought her out, right, Yeah, so for
twenty thousand dollars money win. So show Po's last valuation
is forty thousand dollars money win. Yeah, let's just leave
it at that, Like actually, no, we want the bank
to see a little bit more than that so that
we can like invest to buy properties and going to
here person you've grown but like you bought out her
(15:50):
and like after what fifteen months, decided okay, I can
do this on my own. Talk to me, because Chopo
is one of honestly, from my research, one of the
first Australian brands to really leverage Instagram and Facebook, like,
and that's what I mean, Like, I don't know how
I found you so early, but I remember following and
(16:10):
seeing like used to do like lots of skirts, lots
of tops, like I used to follow and I used
to buy it religiously. I was still at school with
all anyway, how has that changed since? And like, is
Facebook and Instagram marketing still your biggest Definitely not.
Speaker 3 (16:27):
So much Facebook, but TikTok is huge, and I feel
like we need we can be we should be doing
better on TikTok.
Speaker 2 (16:33):
But like everyone I talked to says we should be
doing better on TikTok, we should be more organic on TikTok.
And then none of us are doing it because really
busy and we're also like millennials. So wow, I'm exhausted now.
Speaker 3 (16:43):
I'm so annoyed because when I remember getting on TikTok
in twenty nineteen and then twenty.
Speaker 2 (16:48):
Twenty, I'm like, oh, we missed the wave like twenty
and then I but and then I think I didn't
get into.
Speaker 3 (16:55):
It because I was like pregnant and you're just not
feeling like getting on camera and Also, you're not in
the office to do office talk. Didn't in the film,
you know, me myself talking. Yeah, if it was on
the office, I think we could have done it and
got it in much earlier. But it is what it is,
and I think it's like never too late. So that's
the that's the lesson.
Speaker 2 (17:14):
Like in twenty twenty, I thought I was too late
to TikTok. No you weren't. But on TikTok and on Instagram,
I feel like I follow Showpo and I'm not gonna lie,
like your personal social media account and the show post
social media account maker looks so fun to work at Showpo.
Like I'm sometimes like maybe I should work at Showpo
because yeah, girls look like they're having so much fun.
I can't do anything, don't know anything about retail, but
(17:37):
like I would like to be there for the vibes.
Was that intentional? Like are you posting that way purposefully?
And like, what's your view on founders being front and
center on TikTok as a brand strategy, because as you said,
like I was pregnant, I didn't want to do those things.
But like you and I both know that when you
put a founder, yeah first and foremost, it drives sales
(17:59):
like no mother. Yeah, and I think that's what like
people resonate with, and like, I think part of my
thing is like I'm like slowly edging out of my demographic.
So you know, like you're not You're You're still young,
You're still fresh, You're still vibrant. I love it.
Speaker 3 (18:13):
I was twenty four with Showbro satured and I used
to say, our demographic is eighteen to twenty six, and
that just kept creeping.
Speaker 2 (18:19):
Up and creeping up and creeping with older millennials.
Speaker 3 (18:21):
Yeah, I think it's like, honestly, these days it's it's
look a look at I mean look at road right,
like selling for a billion dollars to Elf like and
all based on like Hayley Beaber's brand like three years
maybe ten products, Like it's insane.
Speaker 2 (18:37):
That just I mean that's on the very extreme.
Speaker 3 (18:39):
She is a celebrity, but like that shows the importance
of the emotional connection that people will have with the
founder and and the personal brand.
Speaker 2 (18:48):
Absolutely, and that meaning if someone approached you with a
really big deal, you'd sell show po oh. Yes, if
anyone wants to send me a billion dollars, take it.
I mean you're making a hundred million dollars a year,
like your annual turnover is insane for a business that
is still completely found to run. Like I always look
at it, I'm like, how is she a magician? Like,
(19:10):
not only are you still managing to make time for
the pub and your kids and your husband and having
fun at work. I don't think people understand that is
a lot of volume. That is a lot of work
that you're putting in behind the scenes while making it
look very sexy online. Go, how are you managing this
without completely burning out?
Speaker 3 (19:28):
So I have a very good support network, So I mean,
obviously the team, We have a really good team.
Speaker 2 (19:34):
And then I also have nanny.
Speaker 3 (19:37):
She does like, you know, like thirty hours a week
and then helps with drop offs, pickups, kids, breakfast, all
that kind of stuff. She's on annually right now, which
is so definitely this is not me at my best today.
Speaker 2 (19:50):
I'm like, that's why. I'm like, Oh, like you said,
takes a really saturday, it does take a village, it does.
Speaker 3 (19:55):
But I think, really, my husband does so much. So
he used to work in he used to work in
banking and private equity. People he used to you know,
have these big corporate jobs. He was doing strategy and
planning also at uber, and I just thought he was
very corporate, so I didn't But how.
Speaker 2 (20:16):
Did you two meet? Go back on exchange in Sweden.
So that's right. That's the thing. Also about my ex boyfriend,
I'm like, oh, just go to Sweden and see if
I come maybe up, maybe I'll know you met your
future children. So great support network. You've got a village
around you supporting you. But like, what are you doing
for you? Because that sounds like a lot of people
(20:37):
are managing a lot of things for you.
Speaker 3 (20:40):
I do a lot of habit stacking, so you know,
in terms of like working out, I've got a peloton
with a stand and then you know, like so then
I can just work on my laptop one like doing that.
And then like I think, like you know, podcasting while
you're like in the middle of like putting on makeup
that kind of stuff. I think it's just like aacking
(21:00):
things together, really just buying more time. And then the
thing I truly do for myself is like watching TV.
Like I have to watch an hour of TV at
least in so I'm watching like Mormon Wives.
Speaker 2 (21:12):
Obviously I'm already threw that clock to that. Yep. Did
you see our momal Wives dinner? Yes? Absolutely, the reunion
was iconic, so we are. Yeah, so most of the
ladies that were so lovely. That was actually wild. I
remember seeing it and like you had posted something. I
think I just saw it like on your story fleetingly
and I thought that you were just like there by
(21:33):
chance and saw someone famous, right, And then I saw
more and more and I'm like, holy shit, she's orchestrated
this whole thing. And we bade it like is Jane
joining mom talk? Why not? But no, they don't enjoy
going to the pub. Yeah exactly. Things like that would
never have been on my radar, but somehow on your radar,
(21:55):
like you were just like, oh, this would be really
good and would go viral, and it absolutely did. Like
I feel like after I saw on your stories, it
was everywhere and everyone was talking about it, like them
blown up season two even more. And that's again my team.
I am obsessed with that. But you've clearly got a
very good eye for what's trending and what's coming up
and what is going to be popular or might even
(22:18):
go viral. So tell me what emerging spaces have you
kind of got your eye on at the moment. Oh
my god. I actually I just know that you're always looking.
Speaker 3 (22:27):
Yeah, we always you know, we've done so many things
as like a fus, like when we've done extended sizes.
We were the first of a business out size to
like out in terms of like a smaller business, yeah,
to do close up to size twenty, and then we
did like affordable bridle.
Speaker 2 (22:43):
We were like one of the first to do like
active weight in this space, which we don't even do anymore.
Speaker 3 (22:48):
We do always kind of like think about where to
innovate next, and so I think part of that has
kind of like shifted from like product innovation because I
think now it's all about also like niching down them
being more focusing product and then that evolving too more
like in like the marketing space walking to you for customers.
Speaker 2 (23:05):
So we've covered I guess you having really good instinct
and innovation and seeing trends before their trending, But how
do you actually scale two million dollar months and keep
it all together. I'm going to go to a really
quick break on the flip side. Girl, you're gonna have
to answer that. All right, we are back Jane what's
(23:28):
it like hitting million dollar months?
Speaker 1 (23:31):
Like?
Speaker 2 (23:31):
Is that some kind of like I feel like it's
a wild mildstone that lots of business owners will only
ever achieve in their dreams. What got you there? What
did that feel like? Are we celebrating? Are we terrified?
Speaker 1 (23:44):
Like?
Speaker 2 (23:44):
What does that look like when we're hitting million dollar months?
Because that gol, that's wild and you do this truly
every day.
Speaker 1 (23:50):
Now.
Speaker 3 (23:50):
It's honestly crazy because I don't think I in a
way this is going to sound really dumb.
Speaker 2 (23:56):
This is definitely go mat.
Speaker 3 (23:57):
It's like, I didn't realize how much that was until
I sat on my podcast and I'm riding people's bike
like the intros, and I'm like.
Speaker 2 (24:05):
Wow, this is so impressive.
Speaker 3 (24:07):
And they're doing like twenty mil, which is so impressive,
and I'm like, oh, like businesses, I'm like writing about
the growth and they're three mil.
Speaker 2 (24:14):
I'm like wow. I'm like wait, I feel like when
you're in it, you've just got blinkers because it's it's
not like a big you know, it's always been like
an organic growth. Yeah. So I was speaking to Alice
Trend before you. I got the privilege of interviewing her
and I was like, you know, you've achieved so much,
and she's like, oh have I And it's very modest.
She's not just modest, but like she's always looking for
(24:35):
the next big thing, and like, you know, I think
you and I would sit here and be like, oh,
TD was like so impressive. Yeah that was so cool,
and she's yeah whatever, Like I grew that, but like
there's always more to do. And I think that as founders,
we just don't give ourselves the credit that other people
give us. But also we've got blinkers on inside our
business and so like you would have hit million dollar
(24:56):
months and been like, oh god, like we just don't
have enough here or here, like not really thinking about
that as a quote milestone. But when you did your
podcast and started to reflect, hold on, I have one
hundred million dollar revenue business where you like, how a
number of zeros? That is right?
Speaker 3 (25:13):
Holy shit?
Speaker 2 (25:15):
But I love that for you, And what does that
look like day to day? Does that change? Because you're
just no, like, because I'm Chinese and Chinese people are
naturally frugal. My husband's just like very like he calls
it rational.
Speaker 3 (25:30):
So we're both not like crazy spenders because we just
can't rationalize it because we both he grew up like
he went to private school, so he's not that, but
like I grew up poor, he grew up frugal.
Speaker 2 (25:42):
Like, so what does that look if I can be
so pervy? But what does that You've clearly got one
hundred percent founder owned business. I would make an assumption
that there is some pretty nice profits coming out of
that pretty regularly. Obviously, that means that you're pretty monest
to be honest, Like you're just like, yep, cool, Like
probably where your own products all the time. I know
you splash on some nice shoes. You and I are
(26:03):
on the same page, like we love a nice pair
of shoes, but like I do see your content and
you're like, I'm not going to spend money on that.
Like I still love seeing my tinny absolutely have. I've
also seen your husband's shoes and I just look and
go they're so down to earth. But what are you
doing with your cash? Are you investing it? Are you
investing in property? Is it just sitting there because you
(26:23):
have analysis paralysis? Like what's it like being a frugal
person who also has cash sitting there that you could
probably spend?
Speaker 3 (26:30):
I think part of it is like my husband is
very so we're now going down like we might actually
invest in more property.
Speaker 2 (26:38):
We're not property people like.
Speaker 3 (26:39):
He's a very like financial instruments like shares index, fun
kind of person.
Speaker 2 (26:44):
I actually ask you for your advice. But I feel
like he's got his head screwed on as well. That
man is smart. Smart I actually had yesterday.
Speaker 3 (26:51):
I spoke to Melanie Leeson, who's the founder in Don't
to SPA, and I was like, well, would you tell
your younger self and you then most people are like, oh,
just like trust yourself, blah blah blah. She it was
the most practical one that she's I can recall. She said,
I would have started my Instagram at the business Instagram
account earlier and I would have brought some of the
(27:12):
properties that we were operating in.
Speaker 2 (27:14):
Yes, smart, Now, I didn't dig deep enough.
Speaker 3 (27:16):
I was like, I don't know if that's because like
landlords have jacked had the prizes due to their success
or it's because of the land appreciation of both anyway,
But I'm like, Okay, so I'm like, maybe, like I
do think like we will look at some like property opportunities,
but he's always just wanted to, like, you know, do
(27:37):
his like trust tax, energy, trust, blah blah blah.
Speaker 2 (27:40):
Things, and I'm like, I off king and then just
like invest in index. See fun kind of thing. Because
I mean, knowing your story, you went from being in
like sixty thousand dollars worth of personal debt to now
not having that kind of financial pressure. Is that something
that changes the way you make decisions or were you
always like no, no, no, I'm going to be successful.
(28:00):
Like talk to me about getting out of debt, because like,
I don't think people ask you that because they're all
too probably preoccupied with the idea that you have a
one hundred million dollar business. But I'm like, so, when
you're in sixty thousand dollars with debt, what'd that feel like?
And what did it feel like to get out of it?
It felt like you were like walking in concrete or
like just like concrete that's about to dry up, Like
(28:21):
you're just like, you know, there's nightmares you have in
your running and you can't run fast enough.
Speaker 3 (28:25):
Yes, that was really tough, and that actually getting out
of debt. So basically the month after my business partner left,
we doubled from five thousand to nine thousand dollars, and
then the next month went to forty thousand, and then
seventy five and then one forty so within.
Speaker 2 (28:41):
A Shay was grow grow growing less than the year.
Speaker 3 (28:44):
We went from five thousand dollars a month to one
hundred and forty thousand, which is a million dollar run rate.
Speaker 2 (28:52):
So the getting out of debt happened. That actually happened
so fast. I was like whoa.
Speaker 3 (28:57):
And then actually to wrap up the previous story about
my parents and lying to them and actually so I
put up that facade for six months. And then my boyfriend,
my husband, he moved from Bruce so we mean sweet then,
but he lived in Brisbane, so he moved from Brisbane
to Sydney for his investment banking job, and then we
never had a.
Speaker 2 (29:16):
Chat to be like can we should we live together?
As soon as he showed up, I just like locked
up at his apartment with all my things and all
my stock as well. I love this and he was like, right,
so I guess you're staying yeah, you know.
Speaker 3 (29:30):
And then for the next year at least I could.
I kept up that facade, but I wasn't living at home,
so it was a lot easier and it took me
like two years to finally tell them, And that was
probably one of my happiest moments when I told them,
and I said, I just wanted to really make sure
I was still being a good Asian daughter. So I
was sandwiching it. So I said, I'm buying you guys
your first ever brand new car. So they've only had
(29:53):
like secondhand and really old secondhand cars. And also I've
just like quit that job, so I quit two years ago,
and I want to pay off your mortgage.
Speaker 2 (30:02):
Stop it. I like being able to like I feel
like you know, you're saying, oh, like you know, immigrated
from China, your parents have given up everything. That was
a lot of pressure. You clearly lied to them now
because you're like, do you know what I really want
to lie to my parents. You were like, I'm feeling
this pressure. Yeah, but you didn't just go, oh, I
quit my job and at some point the truth's going
(30:22):
to come out. Truth not only came out, you paid
off their mortgage and brought them a car. I don't
know what I do. I think i'd like craph What
was that like for you? Oh? It was just like
everything I felt.
Speaker 3 (30:32):
I was like, I can't believe I've actually like I'm
living the immigrant dream, like this.
Speaker 2 (30:36):
Is what like, is that one of those pivotal moments
where you're like, oh shit, I've kind of made it.
Not that I know that you said before, oh shit,
like I have kind of lost track of the numbers
side of things, But what are the pivotal moments for
you that you're like, shit, like I've made it. I
think that's that. And then also just at some point
I realized that I've just actually built up the skills
that if I was if everything failed, this is very
(30:58):
quite early on, if everything failed, that I could actually
just like get a job somewhere else that was that's
better than mine. You run a cology company and you're like,
I could still get a job. I think at some point,
I think I'm a very positive person. When the Iconic
launch in Sydney Australian and they were doing really well.
(31:18):
So there's like twenty sixteen, two and seventeen, I'm like, well,
business fails, like I can always just go work for them.
I love that you're like, I could get a job there.
Speaker 3 (31:27):
That's to your other point, I just about you know,
kind of being not living it up too much whom being.
I think, you know, we definitely got to a point
where we were being like a bit yollow with money. Yeah,
I feel like that's nineteen We have like the very
we overspent on the office. Everything was just like very
we were kind of spending a lot on activations and
(31:49):
that kind of stuff. And then you know, like because
our risk profile was super high, felt like we could
just like keep growing, keep making it back, like and
just like if what and then also if everything failed, oh,
I just have this like you know, confidence that would
just bounced back and do something else. But also the
risk with the business was quite low because the business
(32:09):
was growing. Cut to a year later COVID hits and
it didn't hit as well. And then I was pregnant,
So then you're also, I think, just something changes in
you where you obviously you're not just the center of
your own universe anymore. And then I got married, Oh
you have other things to worry and care about, and
also the risks with the business came up, the risk
(32:30):
profile change, and it just completely inverted.
Speaker 2 (32:33):
And that's why I'm like, you know what, you always
need to like have a backup plan, have a backup plan,
and you love this so the iconic. If you're listening
to this, Oh my god, if you ever see Jane
sells to Chopin, maybe should come work for you. But
you have a very impressive resume, and one of the
things on your resume is you were a judge on
the last season of The Shark Tank, which was so cool.
(32:56):
I remember seeing the ads and I was like, Hey,
that's Jane and I was like to my husband, like,
that's so cool. Also seeing a female in that space,
a young female in that space, impressive, what's that experience? Like, oh,
I could believe it.
Speaker 3 (33:09):
And just even that as that pinched me moment was
like wow, I didn't grow up seeing girls like me
on TV And like what that must that sound cheesy?
Like that must give other girls the encouragement that they
can do it, and.
Speaker 2 (33:24):
Like you're not just a girl as well, you are
a Chinese immigrant and like seeing that front and center
being pushed, like, oh my god, this it's the latest
poster with a red jacket. It's me in the s's
a power suit. I love that you got to be
in the middle. I know WALDI My husband jokes, He's like, oh,
it's Jane and the sharks. I mean that's cute, Like
there's just my back Robert Herjebax just in my backup
(33:45):
d I love it. But also, not only are you
a shark tank judge, you also call yourself the lazy CEO.
Like that's like your tagline, which I think is absolutely iconic.
But what does being a lazy CEO look like day
to day? Because I would love to be a lazy CEO,
but I feel like if I was, my business would
go straight into the ground. Why do you think more
(34:09):
founders should really be working smarter, not harder, to have
long term growth. I think to be in it for
the be sustainable, to be sustainable.
Speaker 3 (34:17):
And now I'm fifteen years in and I'm very like,
I feel very balanced, And I think it's through delegating,
through trusting other people, and then also really importantly, like
some people will like not work out, some people might
screw you over, some people just and you just have
to bounce back. It's like if someone broke up with
you in the relationship, You've got to you're going to
(34:38):
bounce back. As we're not begging our business partners to stay.
Speaker 2 (34:41):
Yeah, but we have to go through that to kind
of grow through that right, because we have to have
that experience to be like you don't beg Exactly, tell
me if you had to start tomorrow from scratch, no following,
no money, no show po, what would you do first?
Would you be starting another brand? Would you be like, no,
I'm going to go work in a salary ayg job?
Like what would Jane do? I would love to like,
(35:04):
I think, I'm this is so silly.
Speaker 3 (35:05):
I romanticized the idea of like having doing something hospitality
like over the restaurants like cafes and bars.
Speaker 2 (35:11):
I know I can't cook. I don't know. I just
like love that cook. I mean to say this rudely, Bay,
but like you've got enough money that you could hire
people to cook. No, exactly, you're in your cafes. Let's
just taste the food. I am a harsh critic.
Speaker 3 (35:24):
No, obviously I'm not working behind the kitchen. I don't
even know why I said that. But that is like
this like romanticized retirement plant. Yeah, I think when I'm old,
I'm like no, no, no, I want that. But then
I secretly want to start like a little kiddy clothes business.
But I know that that's hard also because it's very
competitive space, but who knows fashion is competitive in general.
Speaker 2 (35:46):
That with everything that you've done now and achieved, which
is a lot. If you could go back to baby
Jane sitting on the bus next to her mum, going
to a fake job while her mum goes to a
real job and then going into the state library with
her has failed pop up and sixty grand worth of
dead hiding your unemployment from your parents, what would you
tell her?
Speaker 3 (36:07):
Don't worry about what other people think, just do what's
right for you, and you'd be surprised how the biggest
naysayers are actually the people that they.
Speaker 2 (36:17):
Will be the first to come to you for advice.
Speaker 3 (36:19):
Oh yes, the thing ever and oh such a cliche
that things will work out like better than you ever expected.
Speaker 2 (36:26):
I love that. I wish I had so much more
time with you. I feel like we often get together
and all we do is yap and I love it.
I love that. Yah. But it has been so good
having you on my show. It's been such a fun chat.
But I also know that our community is going to
walk away being like, oh my god, like she's just
so down to earth, but also like so inspirational and
tips and tricks and I mean probably don't lie to
(36:47):
your parents, but like you do what you've got to do, right, yes,
like we do what we've got to do to get ahead.
Speaker 3 (36:52):
This is your parents exactly do that as parents were like, no,
I've been listened to you.
Speaker 2 (36:56):
Can you imaginet like I think about my son and
I'm like, what do you mean? You would love to
me for years? Absolutely not for anyone who wants to
follow along your journey or your next move or chopo,
where can we find you at CHOPEO? Yeah, I feel
like that. I feel like that's lazy CEO. Sorry, I
will you know what, I will just put all of
your handles in our show notes so that people can
(37:18):
find and follow you. Jane. It's been a pleasure. And
for those of you who loved this episode, let us
know in the comments or share it with someone who's
also dreaming big but maybe just needs that little extra
push to get started. And don't forget to follow and
subscribe so that you never miss a business diaries drop.
We've got plenty more Powerhouse founders coming your way very soon.
I will see you guys soon. And Jane, thank you
(37:40):
so much for joining us.
Speaker 1 (37:42):
Thank you.
Speaker 2 (37:49):
Did buy shared on She's on the Money is general
in nature and does not consider your individual circumstances. She's
on the Money exists purely for educational purposes and should
not be light upon to make an investment or financial decision.
If you do choose to buy a financial product, read
the PDS TMD and obtain appropriate financial advice tailored towards
(38:09):
your needs. Victoria Divine and Sheese on the Money are
authorized representatives of Money sherper p t y Ltd a
BN three two one six four nine two seven seven
zero eight AFSL four five one two eight nine
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