September 7, 2025 • 45 mins
Have you ever wanted to pack a bag, vanish from your old life? That’s exactly what this week’s Money Diarist did when her world flipped upside down at 21 and she had everything taken away from her, and it became the start of a money story she never saw coming. What began as a running-away chapter chasing her love of travel turned into years of odd jobs, fishing boats, and tour guiding, where lifestyle always came first and paycheques came second. But somewhere between chasing adventure and moving towns, she quietly built the foundation for a financial glow-up that would shock even her. Fast forward to today and she’s earning serious money, living far smaller than her income would suggest, and stacking wealth in ways that don’t make sense until you hear the full story. There are moments in this diary that will have you gasping, laughing, and maybe questioning your own risk tolerance.
Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now
Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.
And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.
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 - 4
See omnystudio.com/listener for privacy information.
Mark as Played
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 Niana, Kaka yah Ya bin Ahaka nian Ar gay
In Nimbina, yak um jar dominyamiga Umagahawakaman damon Imlan Wumba
bang Gadabomba in and now in wakah ghana on yakraum
jar Watnadaa. Hello, beautiful friends, we gather on the lands
(00:24):
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 (00:45):
She's on the Money. She's on the Money. Hello, and
(01:08):
welcome to She's on the Money, the podcast that lets
you be pervy about other people's money habits for educational purposes,
of course. Welcome back to another one of our Money
Darry's episodes where I get the absolute pleasure of sitting
down and having a chat with one of our She's
on the Money community members all about their money journey.
Let's jump straight into it, because I got an email
this week and it sounded exactly like this. Hi, she's
(01:31):
on the money. When I was twenty one, my partner
sadly died and we had been together for seven years.
He had no will and his family got everything, including
the house, so I left my hometown and traveled to
work around Australia. Now I'm in mining and my taxable
income is two hundred and three thousand dollars a year,
(01:53):
which is crazy to me. But I can't share my
financial victories with my friends or family, as they all
see it as bragging. But my current networth is seven
hundred and fifty thousand dollars completely solo money arrest, welcome
to the show.
Speaker 3 (02:09):
Thank you.
Speaker 2 (02:10):
Also, it's not bragging. We are sharing our journeys so
that other people can learn.
Speaker 3 (02:14):
Well, that's right, but it is very hard to find
people that like to do the same thing.
Speaker 2 (02:18):
It is true, I think because for so long, like
it's been so taboo to talk about money. But like, sorry,
the more we talk about money, especially as women weird,
the more power we have, the more choice we have.
Do you know what they don't like? That do they No,
they really don't. No, they don't like that. And given
your in mining, I feel like that might be a
sticky conversation to have, especially if you're a little bit
(02:39):
more financially savvy, especially as a female. So before we
get any further into it, I need to know if
I asked you to give your money habits a grade
from A through to F, what do you think you
would grade them?
Speaker 3 (02:51):
I would say A B, A B.
Speaker 1 (02:52):
All right.
Speaker 2 (02:53):
I am very excited to learn more about this. But
before we get into why you've given yourself a BEE,
I want to go all the way back to when
you were twenty one, because you have stayed in your
diary in you're forty one now, so this was like
twenty years ago, but I can imagine it still feels
relatively fresh. What is it like when you are twenty
one and you've been with your partner for seven years,
(03:13):
which is literally the entire period where you're like forming
your personality and yourself for them to pass away.
Speaker 3 (03:21):
It was devastating and it's amazing. Again, you don't know
what you don't know. So when his family, because we
both had very rocky family lives when were younger, that's
why we kind of clung to each other and we
were like we were everything to each other. So when
they got the house, it was like I'd failed him
at the same time as losing him. So could I
have fought for the house. And a lot of people
(03:42):
say yes, but you had rights to the house. Yes,
I would have, and I did try to fight for
a bit, but my mental state at that stage wasn't
there so I did have the ability to fight for it.
I did try and ended up with a solicitors bill
out of the whole thing.
Speaker 2 (03:55):
So wow, money win.
Speaker 1 (03:57):
Yeah. Yeah.
Speaker 3 (03:58):
And I remember it was about eight or nine months
after he died that the solicitor actually contacted me and
I'd moved away by then, ran away, which was the
best thing I ever done, by the way.
Speaker 2 (04:07):
Yeah, good, good job, queen.
Speaker 1 (04:09):
Yeah.
Speaker 3 (04:09):
But he was like, you know, oh, because work as
comps come into it, because it was on the way
home from work, it's now worth a lot of money.
Where happy to fight for you? And I'm like, I
wanted the house. They're already in there, they would have
already ruined it. So the one thing I wanted I
don't want anymore.
Speaker 2 (04:21):
Oh, and you do what that's so shitty. I'm so sorry.
There's nothing I can say that like changes that, but ah,
I just I really feel for you because that's so formative,
like being together with someone for seven years at twenty
one and you kind of like grow with that person
and like learn about yourself with that person and then
(04:42):
to have it all ripped away, like oh, and you
said that you were from rocky families and you clung
to each other Like, ah, that's it's so heartbreaking. But
nobody thinks when they're twenty one that their life is
as fragile as it is.
Speaker 3 (04:55):
Yeah, and it really Again, you learn so much from that,
Like if I look back, everything does happen for a reason,
and I definitely wouldn't have moved away from my hometown
and lived the incredible life I have without that happening.
Major learning curve. You know most people learn it later
on in life when they get divorced.
Speaker 2 (05:11):
Oh yeah, you got that really early. And I can
guarantee you right now, he's so proud of you. He's like, girl, like,
what do you mean You've done all of this? Like
he's so ridiculously proud, but at the same time, like, sorry,
let's go back a little bit before all of this happened.
You were twenty one who owned a house. Yeah, so
I was seventeen when we bought it. I was seventeen.
He was nineteen. Oh okay, older boy, I like this, Yeah,
(05:34):
by two years. Who sorry, when you're seventeen, that feels
like a lot, it does, yep.
Speaker 3 (05:39):
And our house price back then was fifty two thousand dollars. Yeah,
and the first home buyers grant was seven thousand dollars.
So basically thirteen percent of it come from the government.
So okay, yeah, we got told, you know, put it
just in one name, because then later on you can
get the first home buyers in the other person's name.
That's the only reason it was in just his name.
Speaker 2 (05:57):
Oh ah, Like great advice, I think, yeah.
Speaker 3 (06:01):
And looking back, I would probably do the same thing again. Now.
You know, if they offered the thirteen percent of any home,
now you jump at it, you know, and put in
your one person's name.
Speaker 2 (06:08):
Oh take my money, Like absolutely, I get it that
having that ripped away would have been heartbreaking. And then
you made the decision to quote run away. What's that
look like?
Speaker 3 (06:18):
So I got to the stage where everybody knew me
and you were about us because it was a small
town that we were from, so you couldn't go anywhere
without anybody bringing it up. And I basically went, Okay,
I need out. So I got another job on the
other side of the country and ran away, and I
literally did. I just packed everything and I was like,
I'm out. If I'm honest, Even to this day, most
(06:40):
of my stuff is still in storage at my.
Speaker 2 (06:42):
Mum and does and we god, yeap, yep, yeah, fair
and yeah.
Speaker 3 (06:44):
I actually went away and started working on a fishing boat,
and then from there I kind of got the travel
bug and started moving around and started traveling Australia as
a tour guy, picking up work whatever it was, wherever
it was, and never chased money. Funnily enough, my mum
is a bit of a whole.
Speaker 2 (07:00):
I mean she's still got all your stuff, yeah, twenty
years later.
Speaker 3 (07:05):
So stuff really freaks me out. I remember when I
first moved into a house after being in a van,
and I bought a fridge and I'm like, oh my god,
I can't just leave anymore. Now I've got a full
bedroom house and it's full of stuff and it's just
me and I'm like, how did I do that.
Speaker 2 (07:17):
Yeah, that's a lot more tied down. I'm not gonna lie,
but that's okay because like, as you know, you could
just leave whenever you want to leave. If you want
to be over and out, you can be. It just
depends on what you're willing to lose, I suppose. So
talk to me more about this because you clearly have
some and I won't get into money habits now, but
you've clearly done a lot in the last twenty years,
(07:39):
and leaving your hometown to go work on a fishing
boat that wasn't on my BINGO card, Like I couldn't
have guessed that that's what you would do. Was that
because you had I don't know, experience in that space,
interest in that space where you like, this is literally
so different to what I'm doing. That's why, like, talk
me through the thought pattern there, because like running away
makes sense, but on the flip side, away to a
(08:00):
fishing boat, Like where did that idea come from?
Speaker 3 (08:02):
So I was a tour guide in my hometown and
the fishing boat was a hostess position, so I was
basically serving cocktails and stuff like that.
Speaker 2 (08:09):
That's fun.
Speaker 3 (08:11):
Yeah, So I was like, okay, let's do this, let's
just go. I'd never really been on a big boat before.
And I remember the first day making beds and I
was seasick as.
Speaker 2 (08:19):
Hell and I was just like, oh my god, what
have I done?
Speaker 3 (08:22):
And my room back then when I because it was
literally the other side of Australia nothing there was an
old shipping container that didn't have doors or windows or anything. Basically,
it was a big culture shock and it was like, really,
what have I done? But I stuck it out and
it got better and better from there.
Speaker 2 (08:39):
Really yeah, wow, So tell me what happens, Like how
much do you get paid on fishing boat? Back then?
Speaker 3 (08:44):
It wasn't very much. And I've never chased money. I've
always chased lifestyle, and I think that is what I
learned from that, is that money can be taken away.
So I've always made sure that I am protecting myself
and I've got like very low risk tolerance. So debt
is bad to me.
Speaker 2 (08:59):
Yep, that's it's okay, though, the most important thing is
that you know that that's right.
Speaker 3 (09:04):
I do know that, So I've always stocked filed money.
It's just in case, because you never know what's going
to happen, and I never want to be homeless again.
But yeah, getting paid on the fishing boat. Back then,
it would have only been a few hundred a week.
My first job when I first left school, because I
left school when I was fifteen, and my first job,
I remember, my first paycheck was two hundred and thirty
three dollars for the week and I was over the moon.
Speaker 2 (09:24):
That's a lot.
Speaker 3 (09:25):
Yeah, it was huge, and in my head even today,
I still see myself as only being on thirty grand
a year. So everybody's like, how do you save so much?
I'm like, well, I just don't need a lot.
Speaker 2 (09:35):
You sound like Brook from my team, who recently did
an investing money diary with me, and she just like
somehow has managed to outsmart life style creep like she
just lives on the absolute bare minimum and saves the
rest and invests the rest, and like, hats off to you.
I wish I could be that cool. Tell me a
little bit more. I want to get into it. So
you've gone from I guess not chasing money. We are
(09:57):
on a fishing boat. You've kind of gone rolled to roll.
But girl, you're on two hundred and three thousand dollars
and you're working in mining? What do you do in mining?
And like, how is that salary package made up?
Speaker 3 (10:09):
Okay, so the two hundred and three is my taxable income,
so it's a mix of a lot of stuff. My
role in mining is I am an operator, so I
drive the dozers, greaters, water cart stuff like that.
Speaker 2 (10:20):
Oh that's kind of fun.
Speaker 3 (10:22):
Yeah, it can be. It can also be really boring.
Don't worry.
Speaker 2 (10:25):
Okay, but right, that sounds very fun. Like that sounds
like a cool girl job.
Speaker 3 (10:29):
It is a cool girl job. When you say to
people you drive the big dosers, they're like wow, and
you're like, until you're in them.
Speaker 2 (10:35):
Yeah, I'm not going to lie. I would cry. I
would cry. That sounds really scary.
Speaker 3 (10:38):
And they're not that bad. Honestly, everybody says you're going
to not be able to have kids and all of that.
They're actually smoother than a lot of other machines. So
don't believe everything. You're here and yeah, so my income
from that is generally about one hundred and sixty K
a year. I do do a lot of overtime, so
that pushes it up into the one eighties.
Speaker 2 (10:55):
Yeah, and then I.
Speaker 3 (10:56):
Bought a property last year, a rental property, which brings
in quite a bit of extra for me.
Speaker 2 (11:01):
Oh, very nice. So tell me about the decision to
buy a rental property as somebody who's relatively low tolerance
and doesn't like debt.
Speaker 3 (11:09):
So I have been thinking about property for a long time,
a very long time, and I bought a property in
a mining town that I could buy out right.
Speaker 2 (11:17):
Yeah, so that was okay? Yeah, I see. I was like,
how like, I'm not saying it's wrong, but you said, look,
I'm really really low tolerance. I was like, and she
doesn't like being tied down. So the idea of a
mortgage just wasn't sticking for me. You bought a house,
all right? Sorry, I meant to get into this later,
but how much does a house outright cost? When where?
Speaker 3 (11:35):
How So the house was four hundred and thirty five thousand.
Speaker 2 (11:39):
And you just had that in your bank account.
Speaker 3 (11:41):
I actually, on the time a settlement I did. I
didn't think I would.
Speaker 2 (11:45):
Who are you?
Speaker 3 (11:48):
So I did take an offset loan out and I
still have it at the moment, but i'd pay no interest.
So over the course of the loan I've paid I
think three hundred dollars in interest the whole time. And
that was while I got it set up in the
first month.
Speaker 2 (11:58):
Unrelatable. I love they for us though, because we get
to learn. Is this because you kind of essentially delude
yourself into earning thirty thousand dollars a year? So is
that where this lifestyle comes into it? Talk to me about,
like what does life style look like? Because I think
that when you say to somebody, I own two hundred
grand plus, right, but then I live like I'm on
(12:18):
thirty thousand dollars, A lot of people would say, girl,
you're missing out. So tell me because you seem very happy.
You have an energy about you that I love, and
I just don't think that you're missing out on all
that much.
Speaker 3 (12:30):
I'm not missing out on anything. So I live in
a small town, but I was brought up in a
small town, so a lot of people hate this town
because it's so small. Whereas I'm like, you know what,
We've got a supermarket, we've got a post office, we've
got a cafe. What more could you want?
Speaker 2 (12:41):
Like, I mean, you're right, you're right.
Speaker 3 (12:43):
I do drive an hour to get groceries most weeks.
So other than that, that's not too bad.
Speaker 2 (12:47):
So fuel price is high, but also life satisfaction high.
Speaker 3 (12:52):
Yeah. Yeah, And I work seven days on seven days off,
so you can always leave town on your seven days off.
So basically that pay check coming in is for six
months of the year. Where else can you get that?
Speaker 2 (13:00):
Okay? Excuse me? So Tommy, what are you doing with
your seven days off?
Speaker 3 (13:04):
Everybody asks me this, and I don't actually know. I'm
such a homebody. Like this week, I've got seven days
off and everybody's like, well, where are you going? Because
I took an extra two days off and I actually
went and climbed a mountain, you know, like that's me done.
I went for a hike. So the next seven days
I will probably lay in the sun.
Speaker 2 (13:19):
I kind of love this for you. Can I be
really pervy about your personal life? Do you have a partner?
Speaker 3 (13:25):
Like?
Speaker 2 (13:25):
What does life like lifestyle at home look like?
Speaker 3 (13:28):
I do not have a partner. I do have a
house which I live in, which is provided by the
mining company I work for. So I around twenty dollars
a week for a four bedroom house.
Speaker 2 (13:37):
Oh that's way too much.
Speaker 3 (13:38):
Yeah, I know, it's ridiculous, right, are you okay?
Speaker 2 (13:40):
Will you recover?
Speaker 3 (13:41):
They keep saying to me that I'm going to be
the one who knocks the house down because the mine's
only got five years left.
Speaker 2 (13:46):
Oh that's kind of scary.
Speaker 3 (13:48):
Yeah, and I'm like, not a chance. It's going on
the back of the truck. It's coming with me.
Speaker 2 (13:54):
So you live in a very regional town. You're like
paying like twenty dollars. What was that a week? Yeah,
a week for a whole house. What are you doing
with the other bedrooms? I need to know because you
don't come across as a order. I feel like you
are a bit of a minimalist, aren't you.
Speaker 3 (14:07):
I am, But I do have everything full low. It's
you know, it's got the gym equipment that you don't use.
It's got the normal stuff that everybody else has.
Speaker 2 (14:14):
Yeah, okay, and I come.
Speaker 3 (14:15):
Home for my puppy dog every single night. But it
is just me.
Speaker 2 (14:18):
So you've bought a house outright for four hundred and
thirty five thousand dollars. You said you had an offset loan.
Does that mean that you have other properties or did
you just organize a loan for that property because you
just didn't think that you would get the finance and
the cash in time for that settlement.
Speaker 3 (14:34):
Well, I've done the offset loan just as basically a
safety net. Yeah. I didn't want to have zero in
the bank, and that would have taken me back to zero,
So it was kind of a safety net. But I
managed to make it work, so it was good.
Speaker 2 (14:45):
I love that. Talk to me, what are your next
big money goals? What are you currently working towards? Because
you have a net worth of seven hundred and fifty
thousand dollars, just solow what's next?
Speaker 3 (14:56):
Well, this is where my problem is. I don't actually
know what I want to do next. So I only
got serious about finance about three years ago and started
looking going, Okay, what am I doing? Where am I
going with this?
Speaker 2 (15:06):
Welcome to the dark side.
Speaker 3 (15:08):
Yeah, And financially, I worked out that if I keep
going on this projection, I can retire at fifty two.
So that's kind of the aim is to be able
to retire in another ten years or eleven years. I
probably won't, but if I can get there, then that's great.
Speaker 2 (15:21):
We want the option. And then if you want to
keep working, I mean, right now, you're seven days on,
seven days off, like that sounds like a pretty good
Like if you're still fitting healthy at fifty two, Sorry,
you might really want to do that.
Speaker 3 (15:31):
That's right, and a lot of people do. We've got
guys who work with me who are seventy four seventy
five because I just don't want to give it up.
They love it.
Speaker 2 (15:37):
Yeah, I feel like that's fair, that's exciting. And so
you're just not sure what the next financial goal is
or are you just not sure of where to start
investing to like make that fifty two retirement age more
of a reality. Like is that a good summary? I
don't know.
Speaker 3 (15:52):
I don't actually know what to do, is my problem.
So I do invest. So I've got about probably forty
grand in investment. It's about ten grand in crypto, and
I'm already since I bought the house in November last year,
I've already saved another seventy k in cash.
Speaker 2 (16:08):
Stop it. And you only work basically six months of
the year. Oh my goodness, this woman told me, I'm
really nervous come on the show, what like, because you'll
run rings around all of us. Is that why? Oh
my goodness, I'm so excited for you. That sounds really
really cool.
Speaker 3 (16:24):
So yeah, if you can tell me what to do next,
so that would be great, you know, even better if
you can find me the really rich husband or something like.
Speaker 2 (16:30):
That, that we're okay to that. Okay, I like, she's
on the money is now she's on the honey and
we go in dating.
Speaker 3 (16:36):
I like it.
Speaker 2 (16:36):
I like it. Let's got a really quick break because
I have a lot of questions and I want to
dive a little bit further into not only your dating life,
but also your investments. So guys, don't go anywhere money
daris do. We are back and look, I haven't thought
of any potential dates just yet, but like leave that
to me. In fact, this whole money dary could be
(16:58):
a really great dating segment because we're pitching you so well.
Like sorry, I if I was forty forty one and
I was looking for a partner and I was male,
you tell me sorry. She's got a network of seven
hundred and fifty k. She seems really grounded, loves to
go hiking, climb mountains. She's got an investment. Probably she
bought that in cash. Like sorry, your dream sold. But
(17:21):
tell me a little bit more about these investments. You
touched on them before, you said, in the last like
five years, you've gotten serious about your financial life. You've
got forty thousand dollars invested invested in what So I have.
Speaker 3 (17:35):
Forty thousand in ETFs and then yeah, I do have
about ten thousand I guess in crypto, and yeah, I've
saved the seventy k cash. So yeah, it's what to
do with it at the moment, it's whether to put
that seventy k into another property. That The issue I'm
hitting at the moment is that I done my tax
the other day and I got sixty K that i'd
(17:57):
paid in text last year. So now it's about tax
minimization and learning about that because I never thought I
would have to worry about that.
Speaker 2 (18:03):
Yeah, tell me about your superannuation because that's a very
tax effective vehicle. Are you prioritizing that?
Speaker 3 (18:09):
So superannuation? Since I've done my tax return so only
a few weeks ago, I have looked at that and
I have always said I don't believe in super because
when my partner did die, I was his benificiary on
his super and you.
Speaker 2 (18:21):
Didn't get it, yeah, and I didn't get it. No,
because you can't nominate your partner because they're not financially
dependent on you. Just for those of you playing along
at home and it can ultimately go to you, but
it would have been rejected at a base level, and
then his family sounds like they're probably not the greatest.
They would have been like, we don't care about money,
dist we want his cash, and it would have just
gone straight to them instead.
Speaker 3 (18:40):
Yeah, And this is my issue with Super is that
if I do pass away, I have no dependence, so
then it is taxed extremely highly to whoever I am
going to give it to. So that's my downfall I
have just since I started doing my tax last year,
started paying into my Super. So I now paid five
hundred and fifty dollars a week into Super every week
just to bring my tax bloing come down a little bit.
(19:01):
But my Super currently sits just over two hundred k.
Speaker 2 (19:03):
Okay, Queen. I was like, oh, if you're not prioritizing it,
like maybe not too much, but two hundred k is
looking good. The one thing I would say here, and
this is not advice, it's just things you could talk
to your accountant about hypothetically, like if hypothetically you wanted
to have that conversation, because I'd never give advice. Is
talking to your accountant about establishing a trust if there's
(19:24):
some individual that you want to benefit from your superannuation
and then nominating your super beneficiary to be that trust
because then they can benefit hypothetically from a distribution as
opposed to an inheritance that's not from a family member,
which is something you could potentially talk to someone about
that's really good.
Speaker 3 (19:44):
But I don't have that person. Hence why you need
to find me the man.
Speaker 2 (19:47):
I'm working on it. I'm working on it. But even
if it goes into a trust, like I used to
have a lot of clients in this situation where maybe
you know, they had had a partner who'd passed away
and it was just kind of them and maybe they
didn't want to couple up again, you can actually still
have so much control and power over that because you
could put it towards a cause that's really important to you,
or put it towards something. But even in that structure,
(20:09):
it's most tax beneficial, like for that charity or whatever
it is, or who knows what you want to do
with it. You could literally donate it all to the
Lost Dogs Home, Like that's fine by me. But like
just having choice and feeling like your money isn't quote wasted,
I think is really important because you've worked hard for this,
like as much as you have said, No, I don't
feel like I sacrificed a lot, Like sorry to save
(20:30):
seventy grand this year. You did have to sacrifice a
fair bit, babe, Like there's things that you're definitely skipping
out on to make sure that that savings account is
still looking very healthy, which is not a bad thing.
We just need the right structure to help us. Tell
me about debt, I just feel like you don't have
any at all. It's just your offset, which is like
one hundred percent of the property purchases in there.
Speaker 3 (20:52):
Yeah it is. It's actually over one hundred percent. So
no debt whatsoever.
Speaker 2 (20:55):
Oh my god. All right, so no debt and you
just feel like that's probably not it because you said, IRV,
I'm pretty risk averse.
Speaker 3 (21:03):
That's true. However, my accountant is advising me at the moment,
for tax reasons to buy a second investment property, because
when she told me to buy an investment property, she
meant actually take out interest against that property to be
able to climb it against my.
Speaker 2 (21:14):
Tax Yeah, like I mean you did it, but like
she probably didn't give clear enough instructions. Yeah, I want
to play a game of pick on you just a
little bit. And I mean it in the nicest way,
but as literally the she and she's on the money
you told me before, Victoria, I really like risk averse? Go,
why do you enn crypto? Where did that come from? Like?
How does somebody who's so risk averse, doesn't want to
(21:36):
carry any debt, is really worried, hasn't really like gotten
into the share market then has like literally, what's that
twenty percent of your investing portfolio outside of superannuation, like
between crypto and your ETFs is crypto?
Speaker 3 (21:49):
Like, yeah, how do we do that? We listen to
the people at work sometimes and you know, they always
promise you all the world. I know a lot of
boys out here who are really really to it, and
of course ten k's about my limit, but a lot
of them are a lot further in than that.
Speaker 2 (22:05):
Of course they are, and like, talk to me, how's
your crypto performing?
Speaker 3 (22:09):
It's basically sitting even slightly up pretty much sitting even.
So I'm happy with that.
Speaker 2 (22:13):
Yeah, we're not mad about that. I'm just surprised that,
as somebody who's so risk averse, youate, Yeah, it was
a crypto. I was like, what like that, just like
not in a judgmental way, just more in a like
if you know your risk tolerance, and probably over the
last few five years you've learned a bit more about
like what that looks like. You're probably like, that's rogue,
but that's okay, we can be rogue, Like we can
(22:35):
be rogue. I just want to know about it.
Speaker 3 (22:37):
You know, well, I have more in shares. It's just
it was at the time, you know, people were like,
is it gonna go ahead? Isn't it?
Speaker 2 (22:42):
No?
Speaker 3 (22:42):
It was you know, do you get in now and
hope for the best or do you wait ten years
and go I should have So it was a yeah,
bit of a let's hope it goes ahead.
Speaker 2 (22:50):
Yeah, no, totally get it. So talk to me about
best and worst money habits, because like, you don't get
into this position without good money habits. And I know
you said, look, b I never chased money, but like,
clearly you're attracting it. How so my.
Speaker 3 (23:06):
Best money I have it is clearly my savings. And
that is just because I don't need a lot to live.
I really don't like my food build generally is about
one hundred and fifty dollars a fortnight.
Speaker 2 (23:16):
A fortnight? Yeah, yeah, what are you a budget?
Speaker 3 (23:19):
Quit? What are you eating?
Speaker 2 (23:20):
Just rice?
Speaker 3 (23:22):
I fairly ever rice. Actually I have a lot of
salads and stuff because we drive so far to the supermarket.
I just do one big shop and that does me
for the two weeks, the week on and the week off.
But I don't budget. Everybody finds it amazing that I
don't budget. But for the last couple of days, I've
been away with friends, so you know, I probably spend
two thousand dollars. I don't look at that and go
that's bad because I know I won't do it again
for another six months.
Speaker 2 (23:41):
Yeah, And that's like part of the journey, right, Like,
and the journey you need to kind of zoom out
and be like, well, actually, that's what I'm living for,
like so that I can have a really good time
with friends and I can't, you know, splurge here and
there and not worry about the pub meals that we have,
but more day to day those expenses are low. Why
do you think you've never budgeted? Is it just because
inherently I would say that you're pretty good at money,
(24:02):
and you're like, well, I actually don't need a budget
because I'm pretty good at, you know, keeping costs low
in general. Or is this just something you'd be like,
ov I avoid it? Like what does that look like?
Speaker 3 (24:11):
I think? See? Growing up, my mum was very tight
with money, to the point where even if we got
school pants, she would write it down or we would
have to pay it back for the school pants and
stuff like that.
Speaker 2 (24:21):
Okay mum, Yeah exactly.
Speaker 3 (24:23):
She's still like that.
Speaker 2 (24:24):
Okay, perfect. And you say you moved away. That's so strange.
Speaker 3 (24:29):
Yeah, I know, very strange. And I've just always been,
you know, like, if you want something, you should have
it in the same way as I don't want to
be like her, and that sounds horrible, but she is
a hoarder and I go to the house and there's
stuff everywhere, So I'm not a stuff person. And because
I did live in my van for a long time
when I traveled Australia, I always had this thing, if
you buy something, you've got to get rid of something
(24:50):
because you don't have the space. So even now when
I buy stuff for the house, it's kind of a
but do you need it? Probably not, because then it's
hard to get rid of it. If anybody who's moved house.
You know, when you go to move and you're like,
now I've got to get rid of it. And I
loved it when I wanted it.
Speaker 2 (25:05):
Don't so talk to me more about I guess worse
money habits. Do you even have bad money habits?
Speaker 1 (25:12):
Yeah?
Speaker 3 (25:12):
So my worst money habit is definitely my low rist
tolerance for debt. So in Covid, I grew up with
my great uncle around. He went through the depression, so
their money got taken from them in the depression. So
it was always you know, for him, his pension. Every
week we would go down and draw it out of
the bank. So he built into me, if anything goes bad,
take your money out of the bank. Do not trust
(25:34):
the bank.
Speaker 2 (25:35):
So you've inherited his money. Trauma.
Speaker 3 (25:37):
Yeah, so come Covid. I withdrew a couple of hundred
grand and buried it in the backyard for a couple
of years.
Speaker 2 (25:42):
I actually love you. You're so funny. This is so good.
So you just had like a couple of one hundred grand. Sorry,
you took it out in cash and then you literally
buried it in your garden. You are killing me. I
just want to be friends with you. In real life
because you like, I'm sorry, just the way you articulate yourself,
you are so smart. I can tell you're just so smart.
(26:03):
And then it's like, yeah, buried all my money in
the garden. What are you doing? You're only forty one?
Like what are you eighty six? I love this?
Speaker 3 (26:12):
But did you know what did that make you feel secure?
It actually made me feel more secure there you go.
I know, I thought I would feel worse about it,
but I actually felt more secure. And I went to
that because I like detecting for gold and stuff on
my days off. Not that I ever find anything, It's
more about the history for me.
Speaker 2 (26:26):
And also like getting outside perf.
Speaker 3 (26:29):
Yeah, so I went out and bought plastic containers so
that metal detectors wouldn't pick it up.
Speaker 2 (26:34):
I'm done, I am obsessed with you. So tell me sorry,
did you like buy chance? Just video you digging this
up at some point, like and also if you bought
plastic condates, so just confirming this is no longer in
your garden.
Speaker 3 (26:46):
This is no longer in my garden. It's now in
my house. Okay.
Speaker 2 (26:49):
So you bought a house with it, okay, house, So
you put it in plastic containers. How deep are we
burying this?
Speaker 3 (26:55):
Like?
Speaker 2 (26:55):
How do we Is it shallow? Is it like marked
with a cross? Like did you buy a chair?
Speaker 3 (27:00):
I don't know. Well, you can't do right. I did
actually put a mark on where roughly I buried it,
and then when I went to dig it up, I
couldn't find it straight away.
Speaker 2 (27:08):
I would have died.
Speaker 3 (27:12):
So the whole got bigger and beg. It wasn't very
deep though. It was kind of my thought pattern was
it needs to be deep enough so that if everything
burns down around it, it's not gonna melt.
Speaker 2 (27:20):
Okay, yep, she's logical. I love this.
Speaker 3 (27:23):
Yep. No. And when you take money out of the bank,
you have to give them an excuse these days. So
when I said to them, I'm taking it out because
I don't trust the banks. I've been told not to
trust the bank, They're like, yeah, we've had so many
people come in and do exactly the same thing.
Speaker 2 (27:36):
Well you didn't even lie to them. Yeah, I would
have lied to them. I would have been like, no,
it's true, exotic car. I just I laughed so hard.
So one day you go and you dig it up,
and what you took the containers just directly into the
bank and slammed it on the bench. So put this
back in the bank.
Speaker 3 (27:55):
I need it, basically. Yeah. So I had photocopied the
receipts and when I'd taken it out of the bank,
because I knew that they'd want proof of me putting
so much back in, so I made sure that I
had all that documentation so I could go in and
be like, hey, here's the money.
Speaker 2 (28:05):
Well, you're not money laundering, are you. Yeah? I wasn't
laundering this. It's actually really dirty. It's been in my garden.
Speaker 3 (28:12):
It was very clean. I had it very well protected.
It was very well wrapped and everything.
Speaker 2 (28:15):
No, I'm not surprised you bloody glad wrapped that, didn't you.
Like you went around, you put it in plastic containers,
you solidified it, then you put it in other containers
like I just know. Like and you said before, you
have no dependence. So if something had happened to you,
this money would have just been buried in the garden.
No one would have known about it. And then like
years from now, when this house of yours that you
currently live in gets knocked down, someone would have been like,
(28:37):
what is that and found one hundred grand.
Speaker 3 (28:39):
Yeah, but what a cool story for them when they
found it.
Speaker 2 (28:41):
Yeah, because it would have made no sense. What was
she doing selling drugs? Like that's giving drug money, my love.
Speaker 3 (28:48):
I am in a mining town. That's very possible.
Speaker 2 (28:50):
Exactly. I would have been like, now I'm scared that
I've found this money is the cartel after me? But no,
reality is money that I has just buried it because
she felt like that was a good place. Do you
know what, I love talking to people about money because
before you were like, oh, like you know, I can't
really talk to my friends and family about this. They
would find that hilarious. These are the stories that I
(29:11):
want to hear at brunch. So that's maybe not your
best money goal or sorry, your best money habit. You said, like,
obviously it's low risk tolerance. Do you think that you
date money out and buried again? Like or are you
changed woman? Or like what does that look like nowadays?
Because you said this was prior to you, like getting
on your financial journey, I suppose.
Speaker 3 (29:31):
It was probably at the start of it. Yes, so
now I am learning or leaning more towards, you know,
trying to make every dollar work for me rather than
just having that and obviously now understanding that inflation is
making that money go backwards instead of forwards. So I
am at the stage now where do I get another
investment property? Do I put it into shares? And really
I need to look at the tax deductions more than
(29:54):
anything at the moment. So yeah, that's kind of where
I'm going.
Speaker 2 (29:57):
Talk to me about advice because like, at the end
of the day, really wealthy, like as an individual, like
you are killing it. You have such a good like
trajectory to even become even wealthier. And on a regular trajectory,
your income or not your income, sorry, your assets, if
they're well invested, should double every ten issues and so
(30:18):
like you're gonna be worth millions, and like this is
very cool to think about because you said, oh, I'd
love to like retire by fifty two, and that's what
eleven years from now, like go, we are on the
right track. That is very exciting. But have you ever
thought about not just talking to your accountant, but talking
to a good financial advisor about like okay, like they
tell me what to do and like, unfortunately I can't
(30:38):
do that, but like an adviser could.
Speaker 3 (30:40):
I think about it all the time, and I research
it all the time and I actually listen to a
different podcast the other day who was you know, because
it's so hard to find somebody who wants to give
you one off advice, and that's what I want is
just somebody to go this would be your best option.
I've got someone for you, Everest Wealth in Perth, the
go Perfect And you know what, if it was Money
Money Money, which is owned by Glenn James, he would
(31:01):
probably say the same company. Okay, if that's what you
are hypothetically listening to, because we both really love the
boys who own that, and they're one of the only
practices that give you one off advice. You can go
back to them, but like they don't try and I
don't know, I feel like a sales person want to
talk about this, but like they're not going to lock
you in for monthly installments or like monthly fees.
Speaker 2 (31:20):
They'll just be like, here's your plan. You're completely competent,
go do it yourself.
Speaker 3 (31:23):
Yeah, because I did go to a financial planner probably
about ten years ago now when I first got into mining,
and they just didn't do it for me. It was
very one sided. They were just trying to sell their products,
so that kind of put me off a little bit.
Speaker 2 (31:34):
Yeah, well, if you are interested in listening to more podcasts,
it's just like an unsolicited recommendation. On my side, I
did a Q and A with a financial advisor recently
called Daisy, and Daisy actually works at Everest and she
is delightful, like a lot of my clients have gone
to her now I'm not an advisor, and they rave
about her. So if you want to maybe dip your
toes in the water again, I think that that's a
(31:55):
good recommendation. And I'll obviously like shoot you an email
after this with her details. It all in your court,
but I think that that could actually put you on
the best possible trajectory, because.
Speaker 3 (32:05):
That sounds awesome.
Speaker 2 (32:06):
When you are a little bit more risk tolerant, you
want an advisor and this is not just about Everest,
this is just like in general, you want an advisor
who not only like helps direct you and says okay,
money dires like, yeah, how about shes that like gives
you all the pros and cons and the benefits and
like does a comparison of Okay, well if we put
it into this property, this is what this would look like.
And they can like project out the tax advantages, they
(32:29):
can talk to you about suberinuation and like making sure
that you're more comfortable with that because at your age,
with the income that you have, I wouldn't be surprised
if one of the things that they recommend is every
single year maxing out your super contributions, because like, at
the end of the day, you got the cash. Like
it's not like, oh should I shouldn't? I like my
lifestyle is going to be compromised, Like you're already telling
(32:50):
me you have massive tax bills, And that's a way
to not only get a little bit of tax back
money w but a way to avoid a fair bit
of tax because the tax environment inside subunuation is fifteen
percent and like with your income go you're on the
highest marginal tax bracket, which is very sexy but doesn't
feel like it when you're having to pay that much tax.
Speaker 3 (33:10):
That's right, And I never thought I would be in
this position, And even up until this year, I'd never
reached that top tax bracket until I got the house, really,
so it's never been a consideration until this year. And
even when the tax account said to me, hey, you've
made two hundred and three thousand dollars this year. I
was like, excuse me, I'd dropped out of school at fifteen?
Can you repeat that? She's like repeat what? I'm like,
how much did I make?
Speaker 2 (33:30):
But isn't that kind of cool? Like I just want
to go back? And I feel like the period of
time that we spoke about before, like you're twenty one,
your partner died, I feel like that would have been
chaos and you would have been like, well, what's my
life going to look like if I'm not going to
live it with him? And I'm like, we're not on
this trajectory and I'm going to be really stereotypical for
a hot second. And I'm assuming that if you got together,
(33:51):
you'll be together for seven years. The next trajectory was
probably like marriage and then maybe children and like working
in the small town and so like just living that life.
This is not what maybe you had envisioned. Sh'd be stoked.
Speaker 3 (34:05):
Yeah, And it was actually his twentieth anniversary yesterday for
his passing, which is why.
Speaker 2 (34:09):
I climbed the mountain yesterday. Yeah, oh my goodness.
Speaker 3 (34:14):
And the twenty years wasn't about, you know, grieving that.
It was twenty years ago. It was about how far
I've come in twenty years and what I've overcome in
twenty years, because there's been bad times and good times
in between, and you get to that stage where you're like,
okay this year, because some years it still really rocks me,
and then other years it doesn't affect me at all.
So it's about how far you've come in that twenty years.
Speaker 2 (34:34):
Yeah. I was speaking to a team member today who
lost a very close family member in the last week,
and I said to her, grief is a price that
we pay for love, and I think that that's a
good price because it feels like trash, but it just
means that that relationship was clearly a good one. Like
he was clearly a good man, he was clearly a
good person, and like I'm telling you right now, if
(34:55):
he wasn't after twenty years, it wouldn't rock you. And
I think that that's just like so special that you're
still saying, you know, it still rocks me sometimes, And
I don't want that to be good.
Speaker 3 (35:04):
I don't.
Speaker 2 (35:04):
I really wish you didn't have to go through that,
But like, do you know what if I pass away,
I hope that in twenty years people are still talking
about losing me is a genuine loss? Like that's a
good position to be in, right, Like he'd be pretty stoked.
He's like still on her mind. It's been twenty years.
I'm still there, Like that's where I want to be.
I don't know about you, money diarist, talk to me
(35:26):
a little bit more about this grade that you gave
yourself because I'm so sorry. B.
Speaker 3 (35:32):
Yeah, definitely B.
Speaker 2 (35:34):
B okay, B for real? Why A B? How do
we get you from a B to an A? Is
that just about kind of like pulling your finger out
a bit, like maybe getting some financial advice and getting
those like goals organized or is it you just don't
feel confident with money? Like, tell me a bit more.
Speaker 3 (35:50):
So to get to an A, it would be financial advice.
It'd be to know what direction I'm going in because
at the moment, I just kind of go, okay, I
listened to a lot of stuff, but I never know,
you know, is shares the way to always property in
the way to go and I always question it. So
to have the you know, I guess more clarity on
which way is the right way or what to go
or what to do next?
Speaker 2 (36:09):
Yeah, And to be a little bit pervy, and I
feel like lots of people. I have lots of friends
who are in their like late thirties, early forties who
are still single. No, they haven't gone through situations like yours,
but like they just still haven't found their life partner.
And I find that a lot of them are putting
big decisions off or like not really wanting to solidify
goals because they're still kind of like really hopeful that
(36:29):
they'll find that person that they could then build those
goals together with. Do you feel like you're in that
limbo of being like, well, I really hope I meet
someone and then it can be us, it can be
our goals. Or are you kind of like no, I'm
a strong, independent woman and like look at my dog,
like I don't know what. How do you feel about
all of this?
Speaker 3 (36:46):
A bit of both camps? So it would be lovely.
And it's been twenty years of going you know, because
I've had relationships within that twenty years. Don't get me wrong,
but it's always do I feel confident enough to put
somebody on my will? And for somebody who got burnt
by not having a will, well, I only made a
will when I got the house because I was like,
I've got nobody to leave stuff too, does it matter
where my stuff goes? So basically my parents are on
(37:07):
my will anyway, because I've got nobody else, and that's
who it would have went to if I didn't have
a will. Yeah, so I would love somebody there just
so I could be like, yes, I can make a
plan now because I know who's going to get everything
I've worked for. But when it's just you, you kind
of go, well, I've got enough to live once I die,
it doesn't really matter.
Speaker 2 (37:22):
Yeah, look, it's very true, and I find it like,
obviously I don't when you're waiting around for like some
night in shining Armor to come and like sweep you
off your feet like slay, I would love that for you.
Like I'm manifesting that very hard and I hope that
it happens. But at the same time, this is going
to sound so more bad. Women actually outlive men. So
at some point, even though if you have shared goals,
(37:43):
the likelihood of you outliving another partner. That is, if
you're completely straight and you decide that a mail is
the right fit for you, you're more likely to have
to go back to being that strong, independent single woman
again at some point in your life. So I'm like,
go set it up right, let's get it all organized.
They can come in, but they're just a piece of
the puzzle. They're like, they get to do some goals
(38:04):
with us, but we're actually fine. We're actually set up
and we're good to go. But it can be like
feeling like you're in limbo because it might change the
trajectory of your life. It might change that, but that's
kind of okay. We can redo. Like I promise you
right now, you're not going to be mad if you
do all your financial planning, all your eggs are like
in the right basket. Then you meet someone you're like, damn,
I have to see a financial advisor again because we've
(38:25):
got new goals. You're not going to be mad about that.
Speaker 3 (38:27):
But then the other issue is, and I have a
lot of friends in the same boat. Once you're financially stable,
if somebody else comes in, you do worry about that
person taking what you've worked for.
Speaker 2 (38:35):
Ah, we're getting a binding financial agreement. Yeah no, screw
them prematter at all assets Like we are protecting ourselves,
and that's what a good financial advisor will do. For
you as well, like, sorry, you can't come in and
pretend to be a night and shiming armor and then
just be a trojan horse, Like yeah, absolutely not, you
get all getting my stuff. No, Like, we're going to
protect our assets with the right structure. So if someone
(38:57):
comes in, that's fine. I can share with you. I'd
love to build a life with you. But if I
decide that you're not here for the long term, you
don't get anything. You didn't come this far to only
come this far.
Speaker 3 (39:08):
And in the industry I am in, you know, because
a lot of the boys work away from home and
stuff like that, it is very common for marriage breakdowns,
so you hear a lot of bad stories out here
and it does put you off. And I am very
much because of what I went through. What's mine is
mine and what's yours is yours rather than sharing, and
it takes a lot for me to trust people and go, okay,
let's do this together.
Speaker 2 (39:27):
Yeah. I feel like you would benefit again hypothetically, from
having a conversation with your accountant about a trust setup.
And that's not a recommendation, that's just something. Go have
a chat with them about what the pros and cons
of that are, because that can actually protect your assets
even more than a binding financial agreement, because I think
(39:49):
we've all heard it, like binding financial agreements are great,
but they can actually be challenged if someone is as
committed to getting your money as you are to protecting it,
Like the likelihood of it going through the courts and like,
you know, maybe you're not getting what you want is
quite high. But a trust can actually protect a lot
of that, especially if it was established prior to the
relationship beginning.
Speaker 3 (40:10):
Okay, that's good to know because I actually had a
conversation with one of the people out here the other day,
and he's got a couple of properties and a business
and everything, and he went to his accountant and she said, no,
there's no trust because there's no dependence.
Speaker 2 (40:20):
Yes, but it's more about like protecting future you and
like hopefully future you meets that person that you're really
comfortable with, and then there's no like second thought in
your mind of like, ooh, do I need to like
have a chat before you know he stays over too
many times and becomes a de facto or do I
need to like no, no, no, it's already like seit
and forget and you don't even need to tell them
(40:41):
what you own, Like you can just be like, oh yeah,
like I just pay twenty bucks a week for this house. Yeah,
full stop at a story, live, love, laugh, and then
maybe when we trust them, we can tell them.
Speaker 3 (40:50):
And that's the thing. Everybody sees as buying a house
outrighters this amazing flex and it's like, yes, I am
proud that I've done it. I mean it's pretty good
flex yeah, But for me, I also know that it's
hype of vigilance from what I went through and that
I stop piled money and you know, saved myself. So
to them, it's flexibi. I can see both sides of.
Speaker 2 (41:08):
It, and I think that's why I'm like, there's no
right or wrong, Like, was that the wrong decision? Absolutely
not for you. I think you feel very confident. Was
burying your money in the garden a batter a good
thing doesn't actually matter? Did you feel good? I felt
good exactly. So I feel like it's not about what
is right or wrong, but more what works for your situation.
And that's what's so beautiful about this. I'm glad it
has all worked out and that you're in a good position,
(41:30):
but it's also about like what structure is going to
make you feel most confident, because like, I'm sorry going
into these and like I've got girlfriends who have been
divorced and they're going into new relationships and like, oh,
what do I do because I have a house that
you know, thankfully I got out of the divorce, but
like I don't want my new partner getting it because
I have kids and if something happened, Like it's all complex, right,
and that's where we just want to get good advice
(41:51):
so that we can sleep at night and know, Okay, well,
you know, if the proverbial hit the fan, I'm actually fine,
Like I'm actually really good and I can walk out
of this as wealthy as I walked into this, And
that's what I want for you. You didn't work again,
You didn't work this hard to only work this hard,
you know, like your plan of retiring at fifty two
can and will happen and ain't no man getting in
(42:13):
the way of that.
Speaker 3 (42:14):
And something else you will be interested in. My four
hundred and thirty five thousand dollar house makes eight hundred
and fifty dollars a week rent.
Speaker 2 (42:20):
Stop it. That rental yield is so sexy. Tell me,
how did you do that? Was that why you purchased
it or did you just go Oh, it's just like
kind of in the same town that I'm living in, Like,
where do we find Because I take my money right now,
you can have four hundred and thirty five thousand dollars.
I would actually have to get a loan for that.
That's okay though, because I'm not as risk tolerant as you.
I would happily take out the loan for that amount
(42:41):
of rent. When how so it is in.
Speaker 3 (42:44):
A mining town. It's in Mournbach in Queensland. Obviously with
coal everything's up in the air at the moment. Everybody's worried,
so kind of like people say, you know, while people
are scared by them. So that's what i'd done. Because
I am in coal mining, I know that what you
hear on the news is not actually what's happening out in.
Speaker 2 (43:01):
Not the reality. It's almost crazy, isn't it. It's almost
like the news just makes up things to be entertaining.
Speaker 3 (43:08):
So I know that my job is secure. As much
as my mind's gonna shut, I know that I can
leave mine go to another one straight away. So yeah,
so hi, rental yields because nobody really wants to live
there or buy there because they all think the call's
going down. Mount Eyes is another one you hear about
all the time. At the moment, I've got friends out there,
They're all like, guys, it's one mind where running thirty?
Why are you worried if one opens or shuts?
Speaker 2 (43:30):
So yeah, oh my god, I love this and that
little insight. I feel like that's a little investing hot
tip if you're looking for investing properties money. Jrus, this
has been beautiful. I have loved this. There's been so
many like surprises in this conversation that I just honestly
didn't see coming from you, being like, look, I have
really low risk tolerance. Hi, I have crypto to you
(43:50):
talking about your COVID journey of like literally burying your
cash in the garden. I'm obsessed the fact that you've
built yourself up to this in the last twenty years,
and like, I just feel like it's such a timely
conversation because obviously yesterday you were reflecting on the passing
of your partner literally twenty years prior. Girl, You've come
so far. I'm so excited that you're in our community.
(44:11):
I'm so excited that you've shared your journey with us, Like,
what a privilege.
Speaker 3 (44:16):
Thank you, No, thank you.
Speaker 2 (44:24):
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
(44:44):
your needs. Victoria Divine and She's on the Money are
authorized representatives of money. Sheper pty Ltd ABN three two
one IS six four nine two seven seven zero eight
AFSL four five one two eight nine
Speaker 3 (45:01):
The
My name is Tatasha Bamblet. I'm a proud First Nations
woman and I'm here to acknowledge country t Glenn Young
Ganya Niana, Kaka yah Ya bin Ahaka nian Ar gay
In Nimbina, yak um jar dominyamiga Umagahawakaman damon Imlan Wumba
bang Gadabomba in and now in wakah ghana on yakraum
jar Watnadaa. Hello, beautiful friends, we gather on the lands
(00:24):
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 (00:45):
She's on the Money. She's on the Money. Hello, and
(01:08):
welcome to She's on the Money, the podcast that lets
you be pervy about other people's money habits for educational purposes,
of course. Welcome back to another one of our Money
Darry's episodes where I get the absolute pleasure of sitting
down and having a chat with one of our She's
on the Money community members all about their money journey.
Let's jump straight into it, because I got an email
this week and it sounded exactly like this. Hi, she's
(01:31):
on the money. When I was twenty one, my partner
sadly died and we had been together for seven years.
He had no will and his family got everything, including
the house, so I left my hometown and traveled to
work around Australia. Now I'm in mining and my taxable
income is two hundred and three thousand dollars a year,
(01:53):
which is crazy to me. But I can't share my
financial victories with my friends or family, as they all
see it as bragging. But my current networth is seven
hundred and fifty thousand dollars completely solo money arrest, welcome
to the show.
Speaker 3 (02:09):
Thank you.
Speaker 2 (02:10):
Also, it's not bragging. We are sharing our journeys so
that other people can learn.
Speaker 3 (02:14):
Well, that's right, but it is very hard to find
people that like to do the same thing.
Speaker 2 (02:18):
It is true, I think because for so long, like
it's been so taboo to talk about money. But like, sorry,
the more we talk about money, especially as women weird,
the more power we have, the more choice we have.
Do you know what they don't like? That do they No,
they really don't. No, they don't like that. And given
your in mining, I feel like that might be a
sticky conversation to have, especially if you're a little bit
(02:39):
more financially savvy, especially as a female. So before we
get any further into it, I need to know if
I asked you to give your money habits a grade
from A through to F, what do you think you
would grade them?
Speaker 3 (02:51):
I would say A B, A B.
Speaker 1 (02:52):
All right.
Speaker 2 (02:53):
I am very excited to learn more about this. But
before we get into why you've given yourself a BEE,
I want to go all the way back to when
you were twenty one, because you have stayed in your
diary in you're forty one now, so this was like
twenty years ago, but I can imagine it still feels
relatively fresh. What is it like when you are twenty
one and you've been with your partner for seven years,
(03:13):
which is literally the entire period where you're like forming
your personality and yourself for them to pass away.
Speaker 3 (03:21):
It was devastating and it's amazing. Again, you don't know
what you don't know. So when his family, because we
both had very rocky family lives when were younger, that's
why we kind of clung to each other and we
were like we were everything to each other. So when
they got the house, it was like I'd failed him
at the same time as losing him. So could I
have fought for the house. And a lot of people
(03:42):
say yes, but you had rights to the house. Yes,
I would have, and I did try to fight for
a bit, but my mental state at that stage wasn't
there so I did have the ability to fight for it.
I did try and ended up with a solicitors bill
out of the whole thing.
Speaker 2 (03:55):
So wow, money win.
Speaker 1 (03:57):
Yeah. Yeah.
Speaker 3 (03:58):
And I remember it was about eight or nine months
after he died that the solicitor actually contacted me and
I'd moved away by then, ran away, which was the
best thing I ever done, by the way.
Speaker 2 (04:07):
Yeah, good, good job, queen.
Speaker 1 (04:09):
Yeah.
Speaker 3 (04:09):
But he was like, you know, oh, because work as
comps come into it, because it was on the way
home from work, it's now worth a lot of money.
Where happy to fight for you? And I'm like, I
wanted the house. They're already in there, they would have
already ruined it. So the one thing I wanted I
don't want anymore.
Speaker 2 (04:21):
Oh, and you do what that's so shitty. I'm so sorry.
There's nothing I can say that like changes that, but ah,
I just I really feel for you because that's so formative,
like being together with someone for seven years at twenty
one and you kind of like grow with that person
and like learn about yourself with that person and then
(04:42):
to have it all ripped away, like oh, and you
said that you were from rocky families and you clung
to each other Like, ah, that's it's so heartbreaking. But
nobody thinks when they're twenty one that their life is
as fragile as it is.
Speaker 3 (04:55):
Yeah, and it really Again, you learn so much from that,
Like if I look back, everything does happen for a reason,
and I definitely wouldn't have moved away from my hometown
and lived the incredible life I have without that happening.
Major learning curve. You know most people learn it later
on in life when they get divorced.
Speaker 2 (05:11):
Oh yeah, you got that really early. And I can
guarantee you right now, he's so proud of you. He's like, girl, like,
what do you mean You've done all of this? Like
he's so ridiculously proud, but at the same time, like, sorry,
let's go back a little bit before all of this happened.
You were twenty one who owned a house. Yeah, so
I was seventeen when we bought it. I was seventeen.
He was nineteen. Oh okay, older boy, I like this, Yeah,
(05:34):
by two years. Who sorry, when you're seventeen, that feels
like a lot, it does, yep.
Speaker 3 (05:39):
And our house price back then was fifty two thousand dollars. Yeah,
and the first home buyers grant was seven thousand dollars.
So basically thirteen percent of it come from the government.
So okay, yeah, we got told, you know, put it
just in one name, because then later on you can
get the first home buyers in the other person's name.
That's the only reason it was in just his name.
Speaker 2 (05:57):
Oh ah, Like great advice, I think, yeah.
Speaker 3 (06:01):
And looking back, I would probably do the same thing again. Now.
You know, if they offered the thirteen percent of any home,
now you jump at it, you know, and put in
your one person's name.
Speaker 2 (06:08):
Oh take my money, Like absolutely, I get it that
having that ripped away would have been heartbreaking. And then
you made the decision to quote run away. What's that
look like?
Speaker 3 (06:18):
So I got to the stage where everybody knew me
and you were about us because it was a small
town that we were from, so you couldn't go anywhere
without anybody bringing it up. And I basically went, Okay,
I need out. So I got another job on the
other side of the country and ran away, and I
literally did. I just packed everything and I was like,
I'm out. If I'm honest, Even to this day, most
(06:40):
of my stuff is still in storage at my.
Speaker 2 (06:42):
Mum and does and we god, yeap, yep, yeah, fair
and yeah.
Speaker 3 (06:44):
I actually went away and started working on a fishing boat,
and then from there I kind of got the travel
bug and started moving around and started traveling Australia as
a tour guy, picking up work whatever it was, wherever
it was, and never chased money. Funnily enough, my mum
is a bit of a whole.
Speaker 2 (07:00):
I mean she's still got all your stuff, yeah, twenty
years later.
Speaker 3 (07:05):
So stuff really freaks me out. I remember when I
first moved into a house after being in a van,
and I bought a fridge and I'm like, oh my god,
I can't just leave anymore. Now I've got a full
bedroom house and it's full of stuff and it's just
me and I'm like, how did I do that.
Speaker 2 (07:17):
Yeah, that's a lot more tied down. I'm not gonna lie,
but that's okay because like, as you know, you could
just leave whenever you want to leave. If you want
to be over and out, you can be. It just
depends on what you're willing to lose, I suppose. So
talk to me more about this because you clearly have
some and I won't get into money habits now, but
you've clearly done a lot in the last twenty years,
(07:39):
and leaving your hometown to go work on a fishing
boat that wasn't on my BINGO card, Like I couldn't
have guessed that that's what you would do. Was that
because you had I don't know, experience in that space,
interest in that space where you like, this is literally
so different to what I'm doing. That's why, like, talk
me through the thought pattern there, because like running away
makes sense, but on the flip side, away to a
(08:00):
fishing boat, Like where did that idea come from?
Speaker 3 (08:02):
So I was a tour guide in my hometown and
the fishing boat was a hostess position, so I was
basically serving cocktails and stuff like that.
Speaker 2 (08:09):
That's fun.
Speaker 3 (08:11):
Yeah, So I was like, okay, let's do this, let's
just go. I'd never really been on a big boat before.
And I remember the first day making beds and I
was seasick as.
Speaker 2 (08:19):
Hell and I was just like, oh my god, what
have I done?
Speaker 3 (08:22):
And my room back then when I because it was
literally the other side of Australia nothing there was an
old shipping container that didn't have doors or windows or anything. Basically,
it was a big culture shock and it was like, really,
what have I done? But I stuck it out and
it got better and better from there.
Speaker 2 (08:39):
Really yeah, wow, So tell me what happens, Like how
much do you get paid on fishing boat? Back then?
Speaker 3 (08:44):
It wasn't very much. And I've never chased money. I've
always chased lifestyle, and I think that is what I
learned from that, is that money can be taken away.
So I've always made sure that I am protecting myself
and I've got like very low risk tolerance. So debt
is bad to me.
Speaker 2 (08:59):
Yep, that's it's okay, though, the most important thing is
that you know that that's right.
Speaker 3 (09:04):
I do know that, So I've always stocked filed money.
It's just in case, because you never know what's going
to happen, and I never want to be homeless again.
But yeah, getting paid on the fishing boat. Back then,
it would have only been a few hundred a week.
My first job when I first left school, because I
left school when I was fifteen, and my first job,
I remember, my first paycheck was two hundred and thirty
three dollars for the week and I was over the moon.
Speaker 2 (09:24):
That's a lot.
Speaker 3 (09:25):
Yeah, it was huge, and in my head even today,
I still see myself as only being on thirty grand
a year. So everybody's like, how do you save so much?
I'm like, well, I just don't need a lot.
Speaker 2 (09:35):
You sound like Brook from my team, who recently did
an investing money diary with me, and she just like
somehow has managed to outsmart life style creep like she
just lives on the absolute bare minimum and saves the
rest and invests the rest, and like, hats off to you.
I wish I could be that cool. Tell me a
little bit more. I want to get into it. So
you've gone from I guess not chasing money. We are
(09:57):
on a fishing boat. You've kind of gone rolled to roll.
But girl, you're on two hundred and three thousand dollars
and you're working in mining? What do you do in mining?
And like, how is that salary package made up?
Speaker 3 (10:09):
Okay, so the two hundred and three is my taxable income,
so it's a mix of a lot of stuff. My
role in mining is I am an operator, so I
drive the dozers, greaters, water cart stuff like that.
Speaker 2 (10:20):
Oh that's kind of fun.
Speaker 3 (10:22):
Yeah, it can be. It can also be really boring.
Don't worry.
Speaker 2 (10:25):
Okay, but right, that sounds very fun. Like that sounds
like a cool girl job.
Speaker 3 (10:29):
It is a cool girl job. When you say to
people you drive the big dosers, they're like wow, and
you're like, until you're in them.
Speaker 2 (10:35):
Yeah, I'm not going to lie. I would cry. I
would cry. That sounds really scary.
Speaker 3 (10:38):
And they're not that bad. Honestly, everybody says you're going
to not be able to have kids and all of that.
They're actually smoother than a lot of other machines. So
don't believe everything. You're here and yeah, so my income
from that is generally about one hundred and sixty K
a year. I do do a lot of overtime, so
that pushes it up into the one eighties.
Speaker 2 (10:55):
Yeah, and then I.
Speaker 3 (10:56):
Bought a property last year, a rental property, which brings
in quite a bit of extra for me.
Speaker 2 (11:01):
Oh, very nice. So tell me about the decision to
buy a rental property as somebody who's relatively low tolerance
and doesn't like debt.
Speaker 3 (11:09):
So I have been thinking about property for a long time,
a very long time, and I bought a property in
a mining town that I could buy out right.
Speaker 2 (11:17):
Yeah, so that was okay? Yeah, I see. I was like,
how like, I'm not saying it's wrong, but you said, look,
I'm really really low tolerance. I was like, and she
doesn't like being tied down. So the idea of a
mortgage just wasn't sticking for me. You bought a house,
all right? Sorry, I meant to get into this later,
but how much does a house outright cost? When where?
Speaker 3 (11:35):
How So the house was four hundred and thirty five thousand.
Speaker 2 (11:39):
And you just had that in your bank account.
Speaker 3 (11:41):
I actually, on the time a settlement I did. I
didn't think I would.
Speaker 2 (11:45):
Who are you?
Speaker 3 (11:48):
So I did take an offset loan out and I
still have it at the moment, but i'd pay no interest.
So over the course of the loan I've paid I
think three hundred dollars in interest the whole time. And
that was while I got it set up in the
first month.
Speaker 2 (11:58):
Unrelatable. I love they for us though, because we get
to learn. Is this because you kind of essentially delude
yourself into earning thirty thousand dollars a year? So is
that where this lifestyle comes into it? Talk to me about,
like what does life style look like? Because I think
that when you say to somebody, I own two hundred
grand plus, right, but then I live like I'm on
(12:18):
thirty thousand dollars, A lot of people would say, girl,
you're missing out. So tell me because you seem very happy.
You have an energy about you that I love, and
I just don't think that you're missing out on all
that much.
Speaker 3 (12:30):
I'm not missing out on anything. So I live in
a small town, but I was brought up in a
small town, so a lot of people hate this town
because it's so small. Whereas I'm like, you know what,
We've got a supermarket, we've got a post office, we've
got a cafe. What more could you want?
Speaker 2 (12:41):
Like, I mean, you're right, you're right.
Speaker 3 (12:43):
I do drive an hour to get groceries most weeks.
So other than that, that's not too bad.
Speaker 2 (12:47):
So fuel price is high, but also life satisfaction high.
Speaker 3 (12:52):
Yeah. Yeah, And I work seven days on seven days off,
so you can always leave town on your seven days off.
So basically that pay check coming in is for six
months of the year. Where else can you get that?
Speaker 2 (13:00):
Okay? Excuse me? So Tommy, what are you doing with
your seven days off?
Speaker 3 (13:04):
Everybody asks me this, and I don't actually know. I'm
such a homebody. Like this week, I've got seven days
off and everybody's like, well, where are you going? Because
I took an extra two days off and I actually
went and climbed a mountain, you know, like that's me done.
I went for a hike. So the next seven days
I will probably lay in the sun.
Speaker 2 (13:19):
I kind of love this for you. Can I be
really pervy about your personal life? Do you have a partner?
Speaker 3 (13:25):
Like?
Speaker 2 (13:25):
What does life like lifestyle at home look like?
Speaker 3 (13:28):
I do not have a partner. I do have a
house which I live in, which is provided by the
mining company I work for. So I around twenty dollars
a week for a four bedroom house.
Speaker 2 (13:37):
Oh that's way too much.
Speaker 3 (13:38):
Yeah, I know, it's ridiculous, right, are you okay?
Speaker 2 (13:40):
Will you recover?
Speaker 3 (13:41):
They keep saying to me that I'm going to be
the one who knocks the house down because the mine's
only got five years left.
Speaker 2 (13:46):
Oh that's kind of scary.
Speaker 3 (13:48):
Yeah, and I'm like, not a chance. It's going on
the back of the truck. It's coming with me.
Speaker 2 (13:54):
So you live in a very regional town. You're like
paying like twenty dollars. What was that a week? Yeah,
a week for a whole house. What are you doing
with the other bedrooms? I need to know because you
don't come across as a order. I feel like you
are a bit of a minimalist, aren't you.
Speaker 3 (14:07):
I am, But I do have everything full low. It's
you know, it's got the gym equipment that you don't use.
It's got the normal stuff that everybody else has.
Speaker 2 (14:14):
Yeah, okay, and I come.
Speaker 3 (14:15):
Home for my puppy dog every single night. But it
is just me.
Speaker 2 (14:18):
So you've bought a house outright for four hundred and
thirty five thousand dollars. You said you had an offset loan.
Does that mean that you have other properties or did
you just organize a loan for that property because you
just didn't think that you would get the finance and
the cash in time for that settlement.
Speaker 3 (14:34):
Well, I've done the offset loan just as basically a
safety net. Yeah. I didn't want to have zero in
the bank, and that would have taken me back to zero,
So it was kind of a safety net. But I
managed to make it work, so it was good.
Speaker 2 (14:45):
I love that. Talk to me, what are your next
big money goals? What are you currently working towards? Because
you have a net worth of seven hundred and fifty
thousand dollars, just solow what's next?
Speaker 3 (14:56):
Well, this is where my problem is. I don't actually
know what I want to do next. So I only
got serious about finance about three years ago and started
looking going, Okay, what am I doing? Where am I
going with this?
Speaker 2 (15:06):
Welcome to the dark side.
Speaker 3 (15:08):
Yeah, And financially, I worked out that if I keep
going on this projection, I can retire at fifty two.
So that's kind of the aim is to be able
to retire in another ten years or eleven years. I
probably won't, but if I can get there, then that's great.
Speaker 2 (15:21):
We want the option. And then if you want to
keep working, I mean, right now, you're seven days on,
seven days off, like that sounds like a pretty good
Like if you're still fitting healthy at fifty two, Sorry,
you might really want to do that.
Speaker 3 (15:31):
That's right, and a lot of people do. We've got
guys who work with me who are seventy four seventy
five because I just don't want to give it up.
They love it.
Speaker 2 (15:37):
Yeah, I feel like that's fair, that's exciting. And so
you're just not sure what the next financial goal is
or are you just not sure of where to start
investing to like make that fifty two retirement age more
of a reality. Like is that a good summary? I
don't know.
Speaker 3 (15:52):
I don't actually know what to do, is my problem.
So I do invest. So I've got about probably forty
grand in investment. It's about ten grand in crypto, and
I'm already since I bought the house in November last year,
I've already saved another seventy k in cash.
Speaker 2 (16:08):
Stop it. And you only work basically six months of
the year. Oh my goodness, this woman told me, I'm
really nervous come on the show, what like, because you'll
run rings around all of us. Is that why? Oh
my goodness, I'm so excited for you. That sounds really
really cool.
Speaker 3 (16:24):
So yeah, if you can tell me what to do next,
so that would be great, you know, even better if
you can find me the really rich husband or something like.
Speaker 2 (16:30):
That, that we're okay to that. Okay, I like, she's
on the money is now she's on the honey and
we go in dating.
Speaker 3 (16:36):
I like it.
Speaker 2 (16:36):
I like it. Let's got a really quick break because
I have a lot of questions and I want to
dive a little bit further into not only your dating life,
but also your investments. So guys, don't go anywhere money
daris do. We are back and look, I haven't thought
of any potential dates just yet, but like leave that
to me. In fact, this whole money dary could be
(16:58):
a really great dating segment because we're pitching you so well.
Like sorry, I if I was forty forty one and
I was looking for a partner and I was male,
you tell me sorry. She's got a network of seven
hundred and fifty k. She seems really grounded, loves to
go hiking, climb mountains. She's got an investment. Probably she
bought that in cash. Like sorry, your dream sold. But
(17:21):
tell me a little bit more about these investments. You
touched on them before, you said, in the last like
five years, you've gotten serious about your financial life. You've
got forty thousand dollars invested invested in what So I have.
Speaker 3 (17:35):
Forty thousand in ETFs and then yeah, I do have
about ten thousand I guess in crypto, and yeah, I've
saved the seventy k cash. So yeah, it's what to
do with it at the moment, it's whether to put
that seventy k into another property. That The issue I'm
hitting at the moment is that I done my tax
the other day and I got sixty K that i'd
(17:57):
paid in text last year. So now it's about tax
minimization and learning about that because I never thought I
would have to worry about that.
Speaker 2 (18:03):
Yeah, tell me about your superannuation because that's a very
tax effective vehicle. Are you prioritizing that?
Speaker 3 (18:09):
So superannuation? Since I've done my tax return so only
a few weeks ago, I have looked at that and
I have always said I don't believe in super because
when my partner did die, I was his benificiary on
his super and you.
Speaker 2 (18:21):
Didn't get it, yeah, and I didn't get it. No,
because you can't nominate your partner because they're not financially
dependent on you. Just for those of you playing along
at home and it can ultimately go to you, but
it would have been rejected at a base level, and
then his family sounds like they're probably not the greatest.
They would have been like, we don't care about money,
dist we want his cash, and it would have just
gone straight to them instead.
Speaker 3 (18:40):
Yeah, And this is my issue with Super is that
if I do pass away, I have no dependence, so
then it is taxed extremely highly to whoever I am
going to give it to. So that's my downfall I
have just since I started doing my tax last year,
started paying into my Super. So I now paid five
hundred and fifty dollars a week into Super every week
just to bring my tax bloing come down a little bit.
(19:01):
But my Super currently sits just over two hundred k.
Speaker 2 (19:03):
Okay, Queen. I was like, oh, if you're not prioritizing it,
like maybe not too much, but two hundred k is
looking good. The one thing I would say here, and
this is not advice, it's just things you could talk
to your accountant about hypothetically, like if hypothetically you wanted
to have that conversation, because I'd never give advice. Is
talking to your accountant about establishing a trust if there's
(19:24):
some individual that you want to benefit from your superannuation
and then nominating your super beneficiary to be that trust
because then they can benefit hypothetically from a distribution as
opposed to an inheritance that's not from a family member,
which is something you could potentially talk to someone about
that's really good.
Speaker 3 (19:44):
But I don't have that person. Hence why you need
to find me the man.
Speaker 2 (19:47):
I'm working on it. I'm working on it. But even
if it goes into a trust, like I used to
have a lot of clients in this situation where maybe
you know, they had had a partner who'd passed away
and it was just kind of them and maybe they
didn't want to couple up again, you can actually still
have so much control and power over that because you
could put it towards a cause that's really important to you,
or put it towards something. But even in that structure,
(20:09):
it's most tax beneficial, like for that charity or whatever
it is, or who knows what you want to do
with it. You could literally donate it all to the
Lost Dogs Home, Like that's fine by me. But like
just having choice and feeling like your money isn't quote wasted,
I think is really important because you've worked hard for this,
like as much as you have said, No, I don't
feel like I sacrificed a lot, Like sorry to save
(20:30):
seventy grand this year. You did have to sacrifice a
fair bit, babe, Like there's things that you're definitely skipping
out on to make sure that that savings account is
still looking very healthy, which is not a bad thing.
We just need the right structure to help us. Tell
me about debt, I just feel like you don't have
any at all. It's just your offset, which is like
one hundred percent of the property purchases in there.
Speaker 3 (20:52):
Yeah it is. It's actually over one hundred percent. So
no debt whatsoever.
Speaker 2 (20:55):
Oh my god. All right, so no debt and you
just feel like that's probably not it because you said, IRV,
I'm pretty risk averse.
Speaker 3 (21:03):
That's true. However, my accountant is advising me at the moment,
for tax reasons to buy a second investment property, because
when she told me to buy an investment property, she
meant actually take out interest against that property to be
able to climb it against my.
Speaker 2 (21:14):
Tax Yeah, like I mean you did it, but like
she probably didn't give clear enough instructions. Yeah, I want
to play a game of pick on you just a
little bit. And I mean it in the nicest way,
but as literally the she and she's on the money
you told me before, Victoria, I really like risk averse? Go,
why do you enn crypto? Where did that come from? Like?
How does somebody who's so risk averse, doesn't want to
(21:36):
carry any debt, is really worried, hasn't really like gotten
into the share market then has like literally, what's that
twenty percent of your investing portfolio outside of superannuation, like
between crypto and your ETFs is crypto?
Speaker 3 (21:49):
Like, yeah, how do we do that? We listen to
the people at work sometimes and you know, they always
promise you all the world. I know a lot of
boys out here who are really really to it, and
of course ten k's about my limit, but a lot
of them are a lot further in than that.
Speaker 2 (22:05):
Of course they are, and like, talk to me, how's
your crypto performing?
Speaker 3 (22:09):
It's basically sitting even slightly up pretty much sitting even.
So I'm happy with that.
Speaker 2 (22:13):
Yeah, we're not mad about that. I'm just surprised that,
as somebody who's so risk averse, youate, Yeah, it was
a crypto. I was like, what like that, just like
not in a judgmental way, just more in a like
if you know your risk tolerance, and probably over the
last few five years you've learned a bit more about
like what that looks like. You're probably like, that's rogue,
but that's okay, we can be rogue, Like we can
(22:35):
be rogue. I just want to know about it.
Speaker 3 (22:37):
You know, well, I have more in shares. It's just
it was at the time, you know, people were like,
is it gonna go ahead? Isn't it?
Speaker 2 (22:42):
No?
Speaker 3 (22:42):
It was you know, do you get in now and
hope for the best or do you wait ten years
and go I should have So it was a yeah,
bit of a let's hope it goes ahead.
Speaker 2 (22:50):
Yeah, no, totally get it. So talk to me about
best and worst money habits, because like, you don't get
into this position without good money habits. And I know
you said, look, b I never chased money, but like,
clearly you're attracting it. How so my.
Speaker 3 (23:06):
Best money I have it is clearly my savings. And
that is just because I don't need a lot to live.
I really don't like my food build generally is about
one hundred and fifty dollars a fortnight.
Speaker 2 (23:16):
A fortnight? Yeah, yeah, what are you a budget?
Speaker 3 (23:19):
Quit? What are you eating?
Speaker 2 (23:20):
Just rice?
Speaker 3 (23:22):
I fairly ever rice. Actually I have a lot of
salads and stuff because we drive so far to the supermarket.
I just do one big shop and that does me
for the two weeks, the week on and the week off.
But I don't budget. Everybody finds it amazing that I
don't budget. But for the last couple of days, I've
been away with friends, so you know, I probably spend
two thousand dollars. I don't look at that and go
that's bad because I know I won't do it again
for another six months.
Speaker 2 (23:41):
Yeah, And that's like part of the journey, right, Like,
and the journey you need to kind of zoom out
and be like, well, actually, that's what I'm living for,
like so that I can have a really good time
with friends and I can't, you know, splurge here and
there and not worry about the pub meals that we have,
but more day to day those expenses are low. Why
do you think you've never budgeted? Is it just because
inherently I would say that you're pretty good at money,
(24:02):
and you're like, well, I actually don't need a budget
because I'm pretty good at, you know, keeping costs low
in general. Or is this just something you'd be like,
ov I avoid it? Like what does that look like?
Speaker 3 (24:11):
I think? See? Growing up, my mum was very tight
with money, to the point where even if we got
school pants, she would write it down or we would
have to pay it back for the school pants and
stuff like that.
Speaker 2 (24:21):
Okay mum, Yeah exactly.
Speaker 3 (24:23):
She's still like that.
Speaker 2 (24:24):
Okay, perfect. And you say you moved away. That's so strange.
Speaker 3 (24:29):
Yeah, I know, very strange. And I've just always been,
you know, like, if you want something, you should have
it in the same way as I don't want to
be like her, and that sounds horrible, but she is
a hoarder and I go to the house and there's
stuff everywhere, So I'm not a stuff person. And because
I did live in my van for a long time
when I traveled Australia, I always had this thing, if
you buy something, you've got to get rid of something
(24:50):
because you don't have the space. So even now when
I buy stuff for the house, it's kind of a
but do you need it? Probably not, because then it's
hard to get rid of it. If anybody who's moved house.
You know, when you go to move and you're like,
now I've got to get rid of it. And I
loved it when I wanted it.
Speaker 2 (25:05):
Don't so talk to me more about I guess worse
money habits. Do you even have bad money habits?
Speaker 1 (25:12):
Yeah?
Speaker 3 (25:12):
So my worst money habit is definitely my low rist
tolerance for debt. So in Covid, I grew up with
my great uncle around. He went through the depression, so
their money got taken from them in the depression. So
it was always you know, for him, his pension. Every
week we would go down and draw it out of
the bank. So he built into me, if anything goes bad,
take your money out of the bank. Do not trust
(25:34):
the bank.
Speaker 2 (25:35):
So you've inherited his money. Trauma.
Speaker 3 (25:37):
Yeah, so come Covid. I withdrew a couple of hundred
grand and buried it in the backyard for a couple
of years.
Speaker 2 (25:42):
I actually love you. You're so funny. This is so good.
So you just had like a couple of one hundred grand. Sorry,
you took it out in cash and then you literally
buried it in your garden. You are killing me. I
just want to be friends with you. In real life
because you like, I'm sorry, just the way you articulate yourself,
you are so smart. I can tell you're just so smart.
(26:03):
And then it's like, yeah, buried all my money in
the garden. What are you doing? You're only forty one?
Like what are you eighty six? I love this?
Speaker 3 (26:12):
But did you know what did that make you feel secure?
It actually made me feel more secure there you go.
I know, I thought I would feel worse about it,
but I actually felt more secure. And I went to
that because I like detecting for gold and stuff on
my days off. Not that I ever find anything, It's
more about the history for me.
Speaker 2 (26:26):
And also like getting outside perf.
Speaker 3 (26:29):
Yeah, so I went out and bought plastic containers so
that metal detectors wouldn't pick it up.
Speaker 2 (26:34):
I'm done, I am obsessed with you. So tell me sorry,
did you like buy chance? Just video you digging this
up at some point, like and also if you bought
plastic condates, so just confirming this is no longer in
your garden.
Speaker 3 (26:46):
This is no longer in my garden. It's now in
my house. Okay.
Speaker 2 (26:49):
So you bought a house with it, okay, house, So
you put it in plastic containers. How deep are we
burying this?
Speaker 3 (26:55):
Like?
Speaker 2 (26:55):
How do we Is it shallow? Is it like marked
with a cross? Like did you buy a chair?
Speaker 3 (27:00):
I don't know. Well, you can't do right. I did
actually put a mark on where roughly I buried it,
and then when I went to dig it up, I
couldn't find it straight away.
Speaker 2 (27:08):
I would have died.
Speaker 3 (27:12):
So the whole got bigger and beg. It wasn't very
deep though. It was kind of my thought pattern was
it needs to be deep enough so that if everything
burns down around it, it's not gonna melt.
Speaker 2 (27:20):
Okay, yep, she's logical. I love this.
Speaker 3 (27:23):
Yep. No. And when you take money out of the bank,
you have to give them an excuse these days. So
when I said to them, I'm taking it out because
I don't trust the banks. I've been told not to
trust the bank, They're like, yeah, we've had so many
people come in and do exactly the same thing.
Speaker 2 (27:36):
Well you didn't even lie to them. Yeah, I would
have lied to them. I would have been like, no,
it's true, exotic car. I just I laughed so hard.
So one day you go and you dig it up,
and what you took the containers just directly into the
bank and slammed it on the bench. So put this
back in the bank.
Speaker 3 (27:55):
I need it, basically. Yeah. So I had photocopied the
receipts and when I'd taken it out of the bank,
because I knew that they'd want proof of me putting
so much back in, so I made sure that I
had all that documentation so I could go in and
be like, hey, here's the money.
Speaker 2 (28:05):
Well, you're not money laundering, are you. Yeah? I wasn't
laundering this. It's actually really dirty. It's been in my garden.
Speaker 3 (28:12):
It was very clean. I had it very well protected.
It was very well wrapped and everything.
Speaker 2 (28:15):
No, I'm not surprised you bloody glad wrapped that, didn't you.
Like you went around, you put it in plastic containers,
you solidified it, then you put it in other containers
like I just know. Like and you said before, you
have no dependence. So if something had happened to you,
this money would have just been buried in the garden.
No one would have known about it. And then like
years from now, when this house of yours that you
currently live in gets knocked down, someone would have been like,
(28:37):
what is that and found one hundred grand.
Speaker 3 (28:39):
Yeah, but what a cool story for them when they
found it.
Speaker 2 (28:41):
Yeah, because it would have made no sense. What was
she doing selling drugs? Like that's giving drug money, my love.
Speaker 3 (28:48):
I am in a mining town. That's very possible.
Speaker 2 (28:50):
Exactly. I would have been like, now I'm scared that
I've found this money is the cartel after me? But no,
reality is money that I has just buried it because
she felt like that was a good place. Do you
know what, I love talking to people about money because
before you were like, oh, like you know, I can't
really talk to my friends and family about this. They
would find that hilarious. These are the stories that I
(29:11):
want to hear at brunch. So that's maybe not your
best money goal or sorry, your best money habit. You said, like,
obviously it's low risk tolerance. Do you think that you
date money out and buried again? Like or are you
changed woman? Or like what does that look like nowadays?
Because you said this was prior to you, like getting
on your financial journey, I suppose.
Speaker 3 (29:31):
It was probably at the start of it. Yes, so
now I am learning or leaning more towards, you know,
trying to make every dollar work for me rather than
just having that and obviously now understanding that inflation is
making that money go backwards instead of forwards. So I
am at the stage now where do I get another
investment property? Do I put it into shares? And really
I need to look at the tax deductions more than
(29:54):
anything at the moment. So yeah, that's kind of where
I'm going.
Speaker 2 (29:57):
Talk to me about advice because like, at the end
of the day, really wealthy, like as an individual, like
you are killing it. You have such a good like
trajectory to even become even wealthier. And on a regular trajectory,
your income or not your income, sorry, your assets, if
they're well invested, should double every ten issues and so
(30:18):
like you're gonna be worth millions, and like this is
very cool to think about because you said, oh, I'd
love to like retire by fifty two, and that's what
eleven years from now, like go, we are on the
right track. That is very exciting. But have you ever
thought about not just talking to your accountant, but talking
to a good financial advisor about like okay, like they
tell me what to do and like, unfortunately I can't
(30:38):
do that, but like an adviser could.
Speaker 3 (30:40):
I think about it all the time, and I research
it all the time and I actually listen to a
different podcast the other day who was you know, because
it's so hard to find somebody who wants to give
you one off advice, and that's what I want is
just somebody to go this would be your best option.
I've got someone for you, Everest Wealth in Perth, the
go Perfect And you know what, if it was Money
Money Money, which is owned by Glenn James, he would
(31:01):
probably say the same company. Okay, if that's what you
are hypothetically listening to, because we both really love the
boys who own that, and they're one of the only
practices that give you one off advice. You can go
back to them, but like they don't try and I
don't know, I feel like a sales person want to
talk about this, but like they're not going to lock
you in for monthly installments or like monthly fees.
Speaker 2 (31:20):
They'll just be like, here's your plan. You're completely competent,
go do it yourself.
Speaker 3 (31:23):
Yeah, because I did go to a financial planner probably
about ten years ago now when I first got into mining,
and they just didn't do it for me. It was
very one sided. They were just trying to sell their products,
so that kind of put me off a little bit.
Speaker 2 (31:34):
Yeah, well, if you are interested in listening to more podcasts,
it's just like an unsolicited recommendation. On my side, I
did a Q and A with a financial advisor recently
called Daisy, and Daisy actually works at Everest and she
is delightful, like a lot of my clients have gone
to her now I'm not an advisor, and they rave
about her. So if you want to maybe dip your
toes in the water again, I think that that's a
(31:55):
good recommendation. And I'll obviously like shoot you an email
after this with her details. It all in your court,
but I think that that could actually put you on
the best possible trajectory, because.
Speaker 3 (32:05):
That sounds awesome.
Speaker 2 (32:06):
When you are a little bit more risk tolerant, you
want an advisor and this is not just about Everest,
this is just like in general, you want an advisor
who not only like helps direct you and says okay,
money dires like, yeah, how about shes that like gives
you all the pros and cons and the benefits and
like does a comparison of Okay, well if we put
it into this property, this is what this would look like.
And they can like project out the tax advantages, they
(32:29):
can talk to you about suberinuation and like making sure
that you're more comfortable with that because at your age,
with the income that you have, I wouldn't be surprised
if one of the things that they recommend is every
single year maxing out your super contributions, because like, at
the end of the day, you got the cash. Like
it's not like, oh should I shouldn't? I like my
lifestyle is going to be compromised, Like you're already telling
(32:50):
me you have massive tax bills, And that's a way
to not only get a little bit of tax back
money w but a way to avoid a fair bit
of tax because the tax environment inside subunuation is fifteen
percent and like with your income go you're on the
highest marginal tax bracket, which is very sexy but doesn't
feel like it when you're having to pay that much tax.
Speaker 3 (33:10):
That's right, And I never thought I would be in
this position, And even up until this year, I'd never
reached that top tax bracket until I got the house, really,
so it's never been a consideration until this year. And
even when the tax account said to me, hey, you've
made two hundred and three thousand dollars this year. I
was like, excuse me, I'd dropped out of school at fifteen?
Can you repeat that? She's like repeat what? I'm like,
how much did I make?
Speaker 2 (33:30):
But isn't that kind of cool? Like I just want
to go back? And I feel like the period of
time that we spoke about before, like you're twenty one,
your partner died, I feel like that would have been
chaos and you would have been like, well, what's my
life going to look like if I'm not going to
live it with him? And I'm like, we're not on
this trajectory and I'm going to be really stereotypical for
a hot second. And I'm assuming that if you got together,
(33:51):
you'll be together for seven years. The next trajectory was
probably like marriage and then maybe children and like working
in the small town and so like just living that life.
This is not what maybe you had envisioned. Sh'd be stoked.
Speaker 3 (34:05):
Yeah, And it was actually his twentieth anniversary yesterday for
his passing, which is why.
Speaker 2 (34:09):
I climbed the mountain yesterday. Yeah, oh my goodness.
Speaker 3 (34:14):
And the twenty years wasn't about, you know, grieving that.
It was twenty years ago. It was about how far
I've come in twenty years and what I've overcome in
twenty years, because there's been bad times and good times
in between, and you get to that stage where you're like,
okay this year, because some years it still really rocks me,
and then other years it doesn't affect me at all.
So it's about how far you've come in that twenty years.
Speaker 2 (34:34):
Yeah. I was speaking to a team member today who
lost a very close family member in the last week,
and I said to her, grief is a price that
we pay for love, and I think that that's a
good price because it feels like trash, but it just
means that that relationship was clearly a good one. Like
he was clearly a good man, he was clearly a
good person, and like I'm telling you right now, if
(34:55):
he wasn't after twenty years, it wouldn't rock you. And
I think that that's just like so special that you're
still saying, you know, it still rocks me sometimes, And
I don't want that to be good.
Speaker 3 (35:04):
I don't.
Speaker 2 (35:04):
I really wish you didn't have to go through that,
But like, do you know what if I pass away,
I hope that in twenty years people are still talking
about losing me is a genuine loss? Like that's a
good position to be in, right, Like he'd be pretty stoked.
He's like still on her mind. It's been twenty years.
I'm still there, Like that's where I want to be.
I don't know about you, money diarist, talk to me
(35:26):
a little bit more about this grade that you gave
yourself because I'm so sorry. B.
Speaker 3 (35:32):
Yeah, definitely B.
Speaker 2 (35:34):
B okay, B for real? Why A B? How do
we get you from a B to an A? Is
that just about kind of like pulling your finger out
a bit, like maybe getting some financial advice and getting
those like goals organized or is it you just don't
feel confident with money? Like, tell me a bit more.
Speaker 3 (35:50):
So to get to an A, it would be financial advice.
It'd be to know what direction I'm going in because
at the moment, I just kind of go, okay, I
listened to a lot of stuff, but I never know,
you know, is shares the way to always property in
the way to go and I always question it. So
to have the you know, I guess more clarity on
which way is the right way or what to go
or what to do next?
Speaker 2 (36:09):
Yeah, And to be a little bit pervy, and I
feel like lots of people. I have lots of friends
who are in their like late thirties, early forties who
are still single. No, they haven't gone through situations like yours,
but like they just still haven't found their life partner.
And I find that a lot of them are putting
big decisions off or like not really wanting to solidify
goals because they're still kind of like really hopeful that
(36:29):
they'll find that person that they could then build those
goals together with. Do you feel like you're in that
limbo of being like, well, I really hope I meet
someone and then it can be us, it can be
our goals. Or are you kind of like no, I'm
a strong, independent woman and like look at my dog,
like I don't know what. How do you feel about
all of this?
Speaker 3 (36:46):
A bit of both camps? So it would be lovely.
And it's been twenty years of going you know, because
I've had relationships within that twenty years. Don't get me wrong,
but it's always do I feel confident enough to put
somebody on my will? And for somebody who got burnt
by not having a will, well, I only made a
will when I got the house because I was like,
I've got nobody to leave stuff too, does it matter
where my stuff goes? So basically my parents are on
(37:07):
my will anyway, because I've got nobody else, and that's
who it would have went to if I didn't have
a will. Yeah, so I would love somebody there just
so I could be like, yes, I can make a
plan now because I know who's going to get everything
I've worked for. But when it's just you, you kind
of go, well, I've got enough to live once I die,
it doesn't really matter.
Speaker 2 (37:22):
Yeah, look, it's very true, and I find it like,
obviously I don't when you're waiting around for like some
night in shining Armor to come and like sweep you
off your feet like slay, I would love that for you.
Like I'm manifesting that very hard and I hope that
it happens. But at the same time, this is going
to sound so more bad. Women actually outlive men. So
at some point, even though if you have shared goals,
(37:43):
the likelihood of you outliving another partner. That is, if
you're completely straight and you decide that a mail is
the right fit for you, you're more likely to have
to go back to being that strong, independent single woman
again at some point in your life. So I'm like,
go set it up right, let's get it all organized.
They can come in, but they're just a piece of
the puzzle. They're like, they get to do some goals
(38:04):
with us, but we're actually fine. We're actually set up
and we're good to go. But it can be like
feeling like you're in limbo because it might change the
trajectory of your life. It might change that, but that's
kind of okay. We can redo. Like I promise you
right now, you're not going to be mad if you
do all your financial planning, all your eggs are like
in the right basket. Then you meet someone you're like, damn,
I have to see a financial advisor again because we've
(38:25):
got new goals. You're not going to be mad about that.
Speaker 3 (38:27):
But then the other issue is, and I have a
lot of friends in the same boat. Once you're financially stable,
if somebody else comes in, you do worry about that
person taking what you've worked for.
Speaker 2 (38:35):
Ah, we're getting a binding financial agreement. Yeah no, screw
them prematter at all assets Like we are protecting ourselves,
and that's what a good financial advisor will do. For
you as well, like, sorry, you can't come in and
pretend to be a night and shiming armor and then
just be a trojan horse, Like yeah, absolutely not, you
get all getting my stuff. No, Like, we're going to
protect our assets with the right structure. So if someone
(38:57):
comes in, that's fine. I can share with you. I'd
love to build a life with you. But if I
decide that you're not here for the long term, you
don't get anything. You didn't come this far to only
come this far.
Speaker 3 (39:08):
And in the industry I am in, you know, because
a lot of the boys work away from home and
stuff like that, it is very common for marriage breakdowns,
so you hear a lot of bad stories out here
and it does put you off. And I am very
much because of what I went through. What's mine is
mine and what's yours is yours rather than sharing, and
it takes a lot for me to trust people and go, okay,
let's do this together.
Speaker 2 (39:27):
Yeah. I feel like you would benefit again hypothetically, from
having a conversation with your accountant about a trust setup.
And that's not a recommendation, that's just something. Go have
a chat with them about what the pros and cons
of that are, because that can actually protect your assets
even more than a binding financial agreement, because I think
(39:49):
we've all heard it, like binding financial agreements are great,
but they can actually be challenged if someone is as
committed to getting your money as you are to protecting it,
Like the likelihood of it going through the courts and like,
you know, maybe you're not getting what you want is
quite high. But a trust can actually protect a lot
of that, especially if it was established prior to the
relationship beginning.
Speaker 3 (40:10):
Okay, that's good to know because I actually had a
conversation with one of the people out here the other day,
and he's got a couple of properties and a business
and everything, and he went to his accountant and she said, no,
there's no trust because there's no dependence.
Speaker 2 (40:20):
Yes, but it's more about like protecting future you and
like hopefully future you meets that person that you're really
comfortable with, and then there's no like second thought in
your mind of like, ooh, do I need to like
have a chat before you know he stays over too
many times and becomes a de facto or do I
need to like no, no, no, it's already like seit
and forget and you don't even need to tell them
(40:41):
what you own, Like you can just be like, oh yeah,
like I just pay twenty bucks a week for this house. Yeah,
full stop at a story, live, love, laugh, and then
maybe when we trust them, we can tell them.
Speaker 3 (40:50):
And that's the thing. Everybody sees as buying a house
outrighters this amazing flex and it's like, yes, I am
proud that I've done it. I mean it's pretty good
flex yeah, But for me, I also know that it's
hype of vigilance from what I went through and that
I stop piled money and you know, saved myself. So
to them, it's flexibi. I can see both sides of.
Speaker 2 (41:08):
It, and I think that's why I'm like, there's no
right or wrong, Like, was that the wrong decision? Absolutely
not for you. I think you feel very confident. Was
burying your money in the garden a batter a good
thing doesn't actually matter? Did you feel good? I felt
good exactly. So I feel like it's not about what
is right or wrong, but more what works for your situation.
And that's what's so beautiful about this. I'm glad it
has all worked out and that you're in a good position,
(41:30):
but it's also about like what structure is going to
make you feel most confident, because like, I'm sorry going
into these and like I've got girlfriends who have been
divorced and they're going into new relationships and like, oh,
what do I do because I have a house that
you know, thankfully I got out of the divorce, but
like I don't want my new partner getting it because
I have kids and if something happened, Like it's all complex, right,
and that's where we just want to get good advice
(41:51):
so that we can sleep at night and know, Okay, well,
you know, if the proverbial hit the fan, I'm actually fine,
Like I'm actually really good and I can walk out
of this as wealthy as I walked into this, And
that's what I want for you. You didn't work again,
You didn't work this hard to only work this hard,
you know, like your plan of retiring at fifty two
can and will happen and ain't no man getting in
(42:13):
the way of that.
Speaker 3 (42:14):
And something else you will be interested in. My four
hundred and thirty five thousand dollar house makes eight hundred
and fifty dollars a week rent.
Speaker 2 (42:20):
Stop it. That rental yield is so sexy. Tell me,
how did you do that? Was that why you purchased
it or did you just go Oh, it's just like
kind of in the same town that I'm living in, Like,
where do we find Because I take my money right now,
you can have four hundred and thirty five thousand dollars.
I would actually have to get a loan for that.
That's okay though, because I'm not as risk tolerant as you.
I would happily take out the loan for that amount
(42:41):
of rent. When how so it is in.
Speaker 3 (42:44):
A mining town. It's in Mournbach in Queensland. Obviously with
coal everything's up in the air at the moment. Everybody's worried,
so kind of like people say, you know, while people
are scared by them. So that's what i'd done. Because
I am in coal mining, I know that what you
hear on the news is not actually what's happening out in.
Speaker 2 (43:01):
Not the reality. It's almost crazy, isn't it. It's almost
like the news just makes up things to be entertaining.
Speaker 3 (43:08):
So I know that my job is secure. As much
as my mind's gonna shut, I know that I can
leave mine go to another one straight away. So yeah,
so hi, rental yields because nobody really wants to live
there or buy there because they all think the call's
going down. Mount Eyes is another one you hear about
all the time. At the moment, I've got friends out there,
They're all like, guys, it's one mind where running thirty?
Why are you worried if one opens or shuts?
Speaker 2 (43:30):
So yeah, oh my god, I love this and that
little insight. I feel like that's a little investing hot
tip if you're looking for investing properties money. Jrus, this
has been beautiful. I have loved this. There's been so
many like surprises in this conversation that I just honestly
didn't see coming from you, being like, look, I have
really low risk tolerance. Hi, I have crypto to you
(43:50):
talking about your COVID journey of like literally burying your
cash in the garden. I'm obsessed the fact that you've
built yourself up to this in the last twenty years,
and like, I just feel like it's such a timely
conversation because obviously yesterday you were reflecting on the passing
of your partner literally twenty years prior. Girl, You've come
so far. I'm so excited that you're in our community.
(44:11):
I'm so excited that you've shared your journey with us, Like,
what a privilege.
Speaker 3 (44:16):
Thank you, No, thank you.
Speaker 2 (44:24):
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
(44:44):
your needs. Victoria Divine and She's on the Money are
authorized representatives of money. Sheper pty Ltd ABN three two
one IS six four nine two seven seven zero eight
AFSL four five one two eight nine
Speaker 3 (45:01):
The
Popular Podcasts
On Purpose with Jay Shetty
I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
NFL Daily with Gregg Rosenthal
Gregg Rosenthal and a rotating crew of elite NFL Media co-hosts, including Patrick Claybon, Colleen Wolfe, Steve Wyche, Nick Shook and Jourdan Rodrigue of The Athletic get you caught up daily on all the NFL news and analysis you need to be smarter and funnier than your friends.
The Joe Rogan Experience
The official podcast of comedian Joe Rogan.