June 7, 2026 • 54 mins
This week's Money Diary feels a little bit like proof that where you start doesn't have to determine where you end up. She grew up in a tiny village in Eastern Europe in the aftermath of communism, where family holidays weren't a thing, money was scarce, and the future often looked a lot like the past. But even as a kid, she couldn't stop wondering what was on the other side of the horizon.
At 16, she won a scholarship that changed everything. A few years later, she arrived in Australia with just $20 to her name, planning to stay for 12 months before heading back to university in the UK. Instead, she met the man who would become her husband after he quite literally washed up next to her on a beach.
Eighteen years later, they're raising two children on the Gold Coast, have turned a modest beach shack into a property worth around $1.7 million, and she's built a dog-sitting side hustle that's on track to bring in $40,000 this year alongside her part-time career. But what I loved most about this conversation wasn't the property story or even the side hustle.
It was the way she thinks about money.
From collecting bottles to teach her kids about saving, to creating flexibility around family life, to constantly finding creative ways to make money work harder, she's built a life that looks completely different to the one she grew up expecting.
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Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.
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Speaker 1 (00:00):
My name's Tatasha Bamblet. I'm a proud First Nations woman
and I'm here to acknowledge country te glennyan Ganya, Niana,
Kaka yah y and Binahaka Nian our gay In Mbini,
yakarum jar, Dominyagumika Umaga, Ihowaka, Nile, waman damind Imlan Bumba
bang Gadabomba in and now in waka ghana on yakarrum
jar Watanadaa. Hello, beautiful friends, we gather on the lands
(00:24):
of the Aboriginal people. We thank acknowledge and respect the
Abiginal 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
welcome Just She's on the Money, the podcast that let
you be pervy about other people's money habits for educational purposes,
of course. Welcome back to another one of our money diaries,
brought to you by our friends at Sky Wealth, where
I get the absolute privilege of sitting down with one
(01:06):
of our incredible Shees on the Money community members and
talking to them all about their journey. Let's jump straight
into it, because this week I got a message and
it sounded exactly like this high She's on the Money.
I've always been pretty resourceful when it comes to money,
mostly because life keeps changing and I've had to adapt it.
Over the years. I've pivoted careers multiple times to make
(01:29):
life work around raising two young kids, and lately I've
been thinking a lot about how important that flexibility is
going as AI changes the way that we all work.
Last year, I started a dog sitting side hustle, and
in my first full year as a sole trader, I'm
on track to make forty thousand dollars alongside my part
(01:49):
time job. I'm also slightly obsessed with little money wins,
from bottle refunds for the kids savings accounts to flipping
marketplace fines for a profit money diarist. I feel like
this is going to be a really fun interview.
Speaker 3 (02:02):
I hope, so I'm very much looking forward to it.
Speaker 2 (02:05):
I cannot wait to dive further in before we get there.
Can you tell me if I asked you to give
yourself a money grade? From A through to F. What
would that grade be?
Speaker 3 (02:14):
Like everyone says, I had a really good think about it,
and I would give myself a ceat.
Speaker 2 (02:19):
See, yes, I think so, just I didn't see that coming.
Speaker 3 (02:22):
Look, I think there's so many opportunities that I am
not even scratching the surface. And obviously investing is a
big part of the podcast. It's a big part of
what I believe would lead me to financial success and
freedom in the future. And I think that's a really
big part of why I would go down from the top.
(02:42):
And also, you know, I am thirty eight. I feel
like I am very much just still learning and I
still got a long way to go.
Speaker 2 (02:49):
All right, I'll let you keep it. But I feel
like you are investing in yourself. Like, sorry, you invested
in a side business that's now generated you forty grand.
That's arguably maybe a little bit better than buying your
first share.
Speaker 3 (03:03):
Yeah, oh look, I'll take it. I'll love that. And
I have to say, with this particular side, so one
of the reasons I chose it is it because there
is zero up from cost.
Speaker 2 (03:13):
So the money weed.
Speaker 3 (03:14):
Yes, So I'm not setting up leases, I'm not buying equipment.
Literally started with the thought of walking a dog and
looking after a dog because I already had a dog,
and you literally need nothing. People they come to you,
They bring the lead, the food, the toys, the trees, everything,
the bets. You really don't need anything, just yourself, and
(03:35):
you do need basic things like obviously have a home,
ideally that your own. Oh yeah, secure home, and you know,
bits and pieces on the side. But at any point,
if I wanted to stop it tomorrow, I've got no
problems with that.
Speaker 2 (03:48):
Yeah, that's so good.
Speaker 3 (03:50):
A lot of unhappy clients, which will be sad, but
I've always had that thought at the back of my
mind is that I'm not risking anything. I'm really just
giving go to something that potentially could turn into something great,
and if it didn't, that would be okay too.
Speaker 2 (04:05):
No, that's so good. And I just have this not unhinged,
but unhinged belief that the best types of people in
the world are dog people. I'll take If people don't
like dogs, I'm sorry. If you're listening to this you
don't like dogs, but I question you. Yeah, there's something
going on there. I don't know what it is, but
I don't like dogs. Can't have it I do have to.
Speaker 3 (04:27):
Say some people, unfortunately have a fear because of the experience.
Speaker 2 (04:32):
It's just different than you're liking dogs. True, true people
who go nah, I don't like dogs. I go, oh, like,
are you fearful of them? No, I just don't like them.
Can't get around that. If you, like, were attacked by
a dog, of course you're going to be terrified of them.
I empathize with that. That's a different story.
Speaker 3 (04:49):
I actually have to say I have been a deck
by a dog when I was a child. I've got
a big scar to prove it. And I'm not afraid
of them.
Speaker 2 (04:56):
But you know, I still dog person, yep.
Speaker 3 (04:58):
And I don't think I've ever met anyone actually told
me that they didn't like dogs. And in fact, part
of my role is recruitment, and I do ask that question.
I was like, are you ask the famies dog?
Speaker 2 (05:09):
It's just, you know, when you go.
Speaker 3 (05:11):
Through all these really ditail question and the role that
I kindly would interview for, it's got a lot of
technical stuff and then everyone is kind of feeling but
you know, like there's a steam coming and you just
want to bring them down to a personal level. I
always say, look, this is a very important question. It's
possibly a make or break, but you know, I'm not
going to jump ahead. I said, do you like dogs?
What kind of dog do you have? Because we also
(05:33):
a dog friendly office, and it's just to break the eyes.
It's really just something to soften the.
Speaker 2 (05:38):
I think it's really sweet. In fact, I asked the
Prime Minister then we go him and that led to
him air dropping me pictures of his dog that I
can share with my dad. So like it worked. You
can break the ice only truly anyone by asking about dogs.
Speaker 3 (05:53):
But look that happens, like if someone asks me about dogs,
I because of the nature.
Speaker 2 (05:59):
Of what I do, Like, sit down, are you ready?
Speaker 3 (06:01):
I had to upgrade my phone and I've paid for
extra ye class for all the cootos storage. Yeah, I
like all the angles, Like I can't just choose one
angle because they're so cute.
Speaker 2 (06:11):
On AMATE legal to delete a photo with someone's dog.
Speaker 3 (06:14):
Yeah, So look, pet photography could possibly be a branching situation.
You know, also see people they do pet portraits. Oh
use an opportunity. Yeah, imagine getting a beautiful portrait framed
for your birthday of your dog.
Speaker 2 (06:30):
That could be like part of your business. Where you
like print a picture of their dog for Christmas.
Speaker 3 (06:35):
Absolutely, I just need more time in my day, you know.
But look with AI, perhaps it is a productivity issue.
Perhaps there's an efficiency issue exactly. Maybe you're making AI
work for you.
Speaker 2 (06:46):
Let's get into it. Money, the highrist. I want to know.
Tell me a bit more about your money story and
the things that you think have impacted it.
Speaker 3 (06:53):
Look, I would say I'm quite a multilated person because
I grew up in Eastern Europe during the communism regime.
When I was born, there was one year to go
from the regime, and then it obviously changed with the
country got independence, but then when I was five, the
country is separated into two. It sort of very much
was an aftermath of a communism. So it was a
(07:15):
very interesting way of growing up and very hard sometimes
to relate to what we would call a Western world.
Because I would say that if you would talked about
my up bringingd we're very similar to maybe your mum's generation.
So I grew up with black and white TV like
Charlie Chaplin used to be on TV. My parents lived
of land, so we lived in a farm. My grandparents
(07:38):
never really had a job in a traditional sense they
worked for the government and they were getting something back
because it was obviously about the greater rather than the individual. Yeah,
they kind of impacted, like, you know, we've never had
a mortgage on the home because land was something that
was given to people for working for the government. And
then you build a house that you had some savings,
you were able to build a house, but you build
(07:59):
a house with your brothers and your friends and people
down the road, and you were exchanging and it was
very much like.
Speaker 2 (08:06):
It's such a like it's something that I couldn't even comprehend.
Speaker 3 (08:11):
And look, it was also very sheltered, like if you
see any of the movies they talk about like the communism,
and there's a fantastic show at the moment called The
Ponies and that shows a little bit. It's based in Russia,
but it was like the world where they were really
worried that the Western will bring it and will change everything.
And you know, people used to get letters with the
words cut out and they're like, oh, what does this mean?
(08:32):
And people used to flea to us because the regime
was quite intense, and you know, there were no things
like there were no kick cats, no mass bars. Everything
was very much either like handmade or everything was very
like dull colors. All my clothes were like hand me down.
It was quite a different way of growing up. And
everything like when you open a fridge there would be
(08:54):
milk and they would be better, and then everything else
came from the farm or the land. My parents harvested everything,
and in summer or after harvest, we had fresh and
through winter we storeded under the house. We had these
sellers and they used to pickle jam do all that.
So we were very self sustained. But it was also
(09:16):
a sense of poverty, like more in a sense that
we never went without and we never not had food,
but everything was made from scratch, so everything took a
long time and there wasn't really a lot left for
I guess necessities or just because of fun things. It
was just sort of I think any one growing up
(09:36):
on the farm understands that type of life, and some
people romanticized and you know, believe it's beautiful, and I
believe it's beautiful, but I did not believe it when
I was in it.
Speaker 2 (09:47):
It was tough.
Speaker 3 (09:48):
It was a lot of work. There were no family holidays,
no weekends doing activities. We were working. We were, you know,
doing what we needed to do, so that was interesting.
Speaker 2 (09:59):
Ye what did you know about the Western world when
you were growing up? Because you know, when you said
there were no male as well as there were no
kid cats like obviously, but did you know that those
things existed?
Speaker 3 (10:11):
You kind of got hints and glims here and there,
And also depends our family. My parents didn't really were
the kind of people that they would necessarily want to
do something beyond to what they're knew. At times. I
have to say, my mom's very intelligent.
Speaker 2 (10:26):
She read a lot.
Speaker 3 (10:26):
She worked in the library part time, so we were
reading a lot, and that brought glimpses of different cultures
and how things can be differently, even though Jane Austen
is not always a good indication what the Western world
looks like, but it came later. It came definitely later.
So once I was in school, when I was probably
(10:47):
about ten, I actually went to school in the nearest
town because also I grew up in a town of
about seven hundred people, and many of them were my
cousins and relatives. Speak you would know everybody and there's
no street names, it's just house numbers because it's only
the name of the village, well you would know, and
it's just one street there there was a pub of course,
(11:10):
a church and a convenience store and to go to
school primary school you had to go on the bus
or you had to walk. And then when I was eleven,
I wanted to go to school in the bigger town
or city and that kind of opened up my world
more and in all honesty made me to be a
bit of an alien, someone that stands out because I
(11:34):
was someone that started to learn more, knew more, and
started to ask questions about, well, why are things this way,
why you are doing things? I was definitely pushing and
warning more and you know, as you would know, that
doesn't sit well with everyone. I was too much and
I was asking too many questions at all times and
at times in my life I tried to make myself smaller,
(11:57):
but predominantly I was actually I'm also chasing the people
that would make me feel accepted and actually feed the
hunger of my wanting to learn, wanting to improve, wanting
to see what's out there. And that was really one
of the drivers between me moving out of home and
when I was about sixteen years old, I got a
(12:19):
scholarship to live in Germany, and I haven't really gone
back home full time since then.
Speaker 2 (12:26):
Wow, my mind is spinning as you're talking. I'm just like, Wow,
this is so different to the way that I grew up.
But then also just even in terms of the expectations
that would have been put on you, they're so not
in line with this female empowerment movement that we're going
through where you know you are now in Australia and
(12:47):
I'm about to ask about that. Yeah, but you know
here in Australia, women can become anything. You can do anything,
you can be anything, you can start a business, you
can you know, speak on stage, you can raise your baby,
you have freedom of choice. Yep. And as much as
you probably were told, oh you can do anything as
you you know, you can be anything, money, darist. But
(13:10):
I really don't think that's the narrative that you grew
up with. What was the expectation, Like you said before,
I was too much. I became kind of like an alien,
and that obviously probably pushed you to accept things like
that scholarship in Germany. You were like, I need to
get out, But how do you get this mindset of
I need to get out when that's all you're surrounded by.
Speaker 3 (13:29):
Look, that's a fantastic question. I've got a bit of
a goosebums on you're asking me that. I actually never
really had someone saying to me you could do anything.
My mum was fantastic saying she would listen to my
ideas and she'd be like, well, like, try give it
a go. She was really good at that. But she
did reveal later that she was always hoping that I
(13:50):
will come back because I would see the value of
where I came from. Whereas I was very much you
were like no run. I was very much of that mindset.
And look, now I have two children of my own.
It makes me sad as a mom that that's how
it is. But I've just could not wait to get
out of there. I had like my room was looking
over this field and I was like, what's beyond that?
(14:13):
You know that there must be so much more. But
back to the whole female empowerment and look, living in
twenty and twenty six is fantastic for so many reasons.
I do think we have a long way to go,
and my career journey probably is a little bit of
a snapshoot of that as well. But growing up, my
mom used to say, you need to learn how to
(14:34):
cook because husband wants you to cook. And my mom
cooked all the time, like Sundays used to be half
a day, was like this elaborate meal. And I was like,
absolutely not, this is ridiculous.
Speaker 2 (14:46):
Why would I need to do that.
Speaker 3 (14:47):
This is where Jane Austen comes, you know. I was
like what no, like absolutely not female empowerment.
Speaker 2 (14:53):
Mom's like, who are you?
Speaker 3 (14:55):
Are you crazy? And I was like, well, I'm not
doing it? And She's like, what are you going to do?
And I'm like, I'm going to marry a chef And
guess what I did?
Speaker 2 (15:04):
You did? You married? I did?
Speaker 3 (15:07):
And it was like it probably shows the power of
like things that you just put out there. And it
wasn't like I didn't meet my husband. I was like,
are you a chef? Or done you know your mine?
Speaker 2 (15:17):
Even it would have been much easier to do it
that way, I'm sure.
Speaker 3 (15:19):
Even just the first sort of a boyfriend I had,
he was a chef too, But it just maybe perhaps
it's the thinking that I was after someone that thinks
I don't need a wife to cook for me, and
this is an unfortunate byproduct of some of the europe
and up bringing. And I don't want to make it
a general rule because it's changed a lot. Just keep
(15:40):
in mind, I haven't lived there since I was eighteen
years old.
Speaker 2 (15:43):
Yeah, but these are still your real lived experiences.
Speaker 3 (15:46):
And a lot of women in Europe bring up men
to believe that their wife are they're to cook and
clean and take care of them. And I just never
subscribed to it. And my mum was smart enough to
understand that. My dad probably didn't get it at all.
But my brother also loved to cook. He was very
inspired by Jamie Oliver. Jamy Oliver was just coming out
(16:06):
and my brother was experimenting in the kitchen and I
was like, you go, you love it, you do it.
I'll plan whatever, like you know, I don't care, Like
I'm not going to be in the kitchen. I'm not
going to marry a man for him to want me
to cook all the time. And I do cook at
home now because it is a split of roles. But
it just was something that definitely, the role differentiation back
(16:29):
then was obviously very strong and still continues to be,
but it's come a very long way.
Speaker 2 (16:34):
Yeah, and all I'm hearing through that is it probably
wasn't even the cooking, that was just where you were
channeling this idea of No, I don't want to marry
someone where I'm not on the same page. No, I
don't want to marry someone where I don't have a quality.
And at that point you probably be like, I don't
know how to articulate that, but I'm not cooking for
(16:55):
someone and that's just not happening.
Speaker 3 (16:57):
That's correct, And I think now that you actually put
it in that perspective, it's actually interesting thing to listen
to my own children and what are they saying, and
are they saying something just they just don't know how
to articulate in a way that I would understand it,
because there is definitely that level. And I also knew
from a very young age I did never wanted to
marry and stay where I was, and one of my
(17:18):
biggest fear was to marry someone I went to kindergarten with.
And I've got nothing against it. There's some beautiful couples
that I know that did that, and many people do it.
Many people also marry the girl from across the street,
because you know, that's just what you do I could
not think of anything worse, and I was like, I'm
out of here. But to get there, I had to
really think about it because we were not in a
(17:40):
good financial situation. I would say we were on the
war side, didn't have any extra money for anything. So
I was like, I knew, it's not going to be
something that my parents or anyone can pay for. I
had to think about how that could happen. And the
opportunity to apply for a scholarship when I was fifteen,
I had to work really hard for it. There was
(18:01):
a whole bit competition and there was one spot. It
changed my life completely and it did eventually lead me
to Australia again very around way. But initially it was
about thinking, Okay, what could I do to prepare myself
for these opportunities that might come down the track, And
you know, that was one of them. So I'm yeah,
(18:22):
that's probably one of the attitudes of approaches. I was
able to apply at a young age and think, Okay,
actually that works. Like that worked. Okay, Like it wasn't easy,
but it worked. Could I apply the same approach later?
And honestly it works. You know, if you really want something,
you really make it work totally.
Speaker 2 (18:42):
So at sixteen you moved to Germany, you don't return
home in a full time capacity. How did you find
your feet in Australia.
Speaker 3 (18:52):
So the family that I was very lucky, they put
themselves forward to be my guest family.
Speaker 2 (18:57):
In Germany.
Speaker 3 (18:57):
There were this retired teachers, really beautiful for they daughter
and son were going back and forth in Australia, and
there were doctors, and the university hospital at the Gold
Coast was sort of on the horizon, and they said
go back finish year twelve and we'll hold a spot
for you as nanny. And they hope already a full
time nannie's regularly. But it's like, if we know that
(19:19):
you're coming, we have a spot for you, and come
for a year. We pay for your flights and then
when you hear you've got your board and everything. There
was very small pocket money and you can be here
for a year. Leading up to that, I just wanted
to mention that I have then put that sort of
in my horizon, but I treated more as an opportunity
to improve my English, because I've applied to go to
(19:41):
university in the UK, where my brother was at the time,
and I could accept it. So I was like, I'm
going to defer.
Speaker 2 (19:47):
For a year.
Speaker 3 (19:48):
I'm going to go to Australia. I'm going to improve
my English because I was already fluent in German by then.
Speaker 2 (19:53):
That would be my year.
Speaker 3 (19:54):
And I was like, when do I ever get to
go to Australia. Australia for me it was Sydney. There
was this article in one of the German magazines I
used to read. I actually cut it out and I
had it on little board.
Speaker 2 (20:06):
You're a manifestation queen. You've manifested marrying a chef, moving
to Australia. Like look, I don't know if you know
this about yourself, but like you got this down pat.
Speaker 3 (20:16):
My friend I had a picture of the Opera house
and I had New Zealand next to it as well,
and I was like, what is this land down Under?
Speaker 2 (20:24):
You know? Are they really like what is going on?
You really do have kangaroos? Yes?
Speaker 3 (20:29):
And my husband would say I used to write them
to school. No you didn't. Yeah, I just had this
sort of idea. And then when they said Australia, I
was like, I'm down, I'm coming and again no money,
absolutely no money, and they're like I'll pay for your flights.
I literally came on that flight with twenty dollars. There
was no room for That's crazy, Like, even though I'm
(20:50):
picked me up at the airport, I'm probably stranded somewhere,
you know, somewhere. But I was like, I think it's
the youth, you know, you just like you just give
it a go. And it scares me a bit that
my children might be a little bit.
Speaker 2 (21:03):
You're like, are my kid's going to do this? Because
absolutely not. I know that scares me.
Speaker 3 (21:07):
I'll be like, no, are you coming with me? But yeah,
look that was me, like what is there to lose? Right,
I've had this university lined up, and prior to that.
In nineteen ninety three, the EU borders open in Europe,
so which meant we could live and work in the
UK and that was a huge That was a huge
thing for a lot of people. They called it sort
of a brain drain. Lots of the educated people from
(21:29):
Eastern Europe moved to the UK. However, the language obviously
was the barrier, so it took a few years to
kind of get to where they needed to be. And
my brother is really quite an inspiration. He did his degree,
he had a fantastic job. He worked at the university
and he's now living full time in Scotland and that
was sort of his trajectory.
Speaker 2 (21:49):
Anyway.
Speaker 3 (21:50):
I came to Australia and three months before my visa
was due to expire, I used to drag this big
mail surfboard down the beach. We were actually living quite
cless the beach, and tried to surf. I was like,
I'm here for twelve months, like I need to learn
how to surf, right, And he was terrible. And one
day I coming out of the water and another surfboard
(22:11):
sort of comes to my feet, so I pick it
up and this guy comes up. It's like, oh, thanks,
so you know, forgot my leg robe for the day
or whatever. And that's my husband.
Speaker 2 (22:20):
Ah, he literally came swimming up. Yeah.
Speaker 3 (22:23):
The rest is history. And I have to say I
was eighteen years old at the time.
Speaker 2 (22:28):
That's okay, so impressionable.
Speaker 3 (22:30):
Yeah, I was twenty when we got married, and we
sort of just jumped in and we will be married
eighteen years this year.
Speaker 2 (22:37):
I was about to say eighteen years because you said
that you're thirty eight, right, Yeah, yeah, that's crazy. And
so then you never headed back to the UK for study.
You threw in the university degree over there for a boy?
Is that what happened? I did not.
Speaker 3 (22:51):
I was smarter than that. We had a connection and
we were sort of hanging out and I said, look
I got to go back, and he said I want
to marry you and I said absolutely not. Who do
you think I am? Like? You know, I was like
I'm building myself, you know. I was imagining this big
city girl in the UK and it was exciting. There
(23:12):
were supermarkets open past five o'clock.
Speaker 2 (23:14):
In the after That's crazy, isn't it.
Speaker 3 (23:16):
Oh yeah, God, Sainsbury's, Tesco's, Like it was fantastic. I
was living the best life. And I was like, I'm
going back. I've got obviously union. He's like I'm coming
with you and I was like okay. And look there
was this moment and I was like he actually already
had a trie book to Bali from Australia.
Speaker 2 (23:34):
I get it.
Speaker 3 (23:35):
He went and then we sort of finalized all the
things over messengers.
Speaker 2 (23:39):
I don't know what it was.
Speaker 3 (23:40):
And then he's like I'm coming. Is it okay? And
he's like can we live together? And I was like
this moment in me. I was like, it's just this
is hard, Like I'm nineteen, I'm about to put all
my eggs in the basket for this one guy I
met three months ago, like really like, oh, I could
just have so much fun freedom. And I was like,
I don't know something about it, just felt like I
(24:03):
wanted to do it. So yeah, we moved in together.
We had a shared house. We lived there for a year,
and this was two thousand and seven. Eights of the
GFC was becoming quite prominent. And one thing with my
husband what I really admire about him. He was a chef.
He worked as a sushiev at the Reticent here on
the Goldkost. He printed out his resumes. He got a
(24:24):
job the first week he came to ok and he
worked six days a week and he worked so hard.
He met my brother, he became part of a friend circle,
He met my parents. He made the life there for
a year in a truly like a supporting partnership where
it wasn't my money, it wasn't your money. It was
(24:44):
a very early Christening with fire because I had these
money feelings about men holding power over women because they've
got the money, which I have from my dad, and
that really a lot of it came into in that
year and even has since then, but it really showed
(25:04):
me that with him, it wasn't about that. It was
our money from the start, and when we wanted to
get married, we had to have join bank accounts. And
we've had a joint bank account since then, Like we've
never not had a joint money.
Speaker 2 (25:18):
That's crazy.
Speaker 3 (25:19):
Yeah, and I'm not saying it's the best option.
Speaker 2 (25:21):
For We're not saying it's the best, but it worked
out for you. But I also think that you know,
I'm listening to this story, and even when you're eighteen
nineteen and you've just met this guy, you've got your
head screwed on in a way that I don't think
many other eighteen nineteen year olds did have. Especially because
of your upbringing, you could have been incredibly sheltered in
those moments and just been like yeah, okay, no worries,
(25:43):
whatever you say, but somehow you just knew better, Like
your intuition was like right on.
Speaker 3 (25:49):
Yeah, And look, I think I have always been described
as like an old soul or like a head of
you know, when some people are just probably thinking slightly differently,
and they could be detriment. But also I've always been
around all the people. I think I just had more
connection with them.
Speaker 2 (26:06):
Oh, I get it. My grandmother used to always say
about me, she's been here before.
Speaker 3 (26:12):
Yeah, I can feel it. And once you have your
children you can sort of see that and you can yeah,
something has happened a few years prior. That made me
realize that if I don't give this a go, I
will regret it because I might not get another chance.
And that was literally. I think one of the things
that I am good at is that when I something happens,
(26:34):
I am able to learn from it and really applied
moving forward. And I was like, well, if it doesn't work,
that's fine. If it works, I mean, we've got two
children together. It is a relationship that requires a lot
of work, but we do choose to do that every
day for the last eighteen years and it's pretty quite special.
Speaker 2 (26:54):
That is epic. So now you live in Australia and
you touched on before that you work in recruitment. Tell
me what do you do for work? How much money
do you earn?
Speaker 3 (27:04):
So I don't actually work in recruitment, but it is
a portion of my job. I am a studio coordinator
for an architectural practice, architecture studio, so HR, administration, marketing.
It's all portions of the role, which is actually really
exciting because it's fun.
Speaker 2 (27:19):
Yeah, it sounds good.
Speaker 3 (27:20):
Yeah, it makes it quite different. I was the first
non technical staff hired for this company, so also quite
new to them and it's quite new to me, and
I think that brings it to the career change or
career pivot. I earn seventy two thousand per year Parada,
so I work part time and I am lucky enough
(27:42):
to have a very flexible and very supportive environment. Again
something that I had to in the way for myself,
but I'm very lucky that the person that I work
with or the director of the business is very open minded.
So when I came to the interview, I liked what
they were offering. They liked what I was offering, and
the role wasn't work from home, there wasn't a portion
(28:03):
of it. And I put that forward and he said,
you know, I will consider it, and I think we
can make it work. And we've been sort of working
it out together as we go and I have this
approach that and this is what we've sort of agreed
on that I wanted to show my value before I
start asking for any other relaxations or any time support.
(28:23):
And we agree that it needs to be office space
for a period of time for me to really learn
the business. But now I have an opportunity to be
flexible around my children. He has two children, so he
understands it. And it's kind of a bit of a
new world because obviously COVID has opened this opportunity. But
I do have to say it doesn't work for all
(28:45):
the roles in my opinion, because like the architects itself
that actually have to be hands on the design element part.
Speaker 2 (28:51):
Yeah, yeah, yeah, yeah. It's like there are so many
hands on roles where work from home is just not
going to work. But if you're doing admin sometimes I
feel like in your own space and not having any
distractions and just smashing through a whole heap of stuff.
For HR, it's huge. It's so helpful. I need to
work from home so that I don't consistently talk to
my team and I can just lock in and get
(29:13):
work done.
Speaker 3 (29:14):
Absolutely. Look, part of the role is also front of
the office, so I do meet contractors or I meet
people in the industry. So the presence is important, so
we're trying to find the right balance, the balance between
and I'm also a big believer. Let's say we're working
on a project and I'm clogging off for the Christmas
break and I the project is not finished, not due
(29:34):
to my efficiencies, but due to something else, and I said, look,
I'm going to take the laptop home with me. I
want to see this project through. So I'm going to
work this many hours if that's okay with you, and
we're going to finalize it. And I'm going to be
the last set of ice on this being submitted. Let's
say it's an award, you know, it's architectural award. Of
course I want to be the last set of eyes
(29:56):
to on this. If I've already put so much time
in it, that is to me showing a value that
I can actually take the laptop home. I can work,
and I understand the flexibility. So you know, that's the
give and take. And if I'm ever doing a school
drop off and my son has a hard time in
the morning and I'm a fifteen minutes late, that's not
even a mention. It's like, well, you do all the
(30:16):
other things, or you stay fifteen minutes later. It's very
much about the presence and the role and the outcomes,
and that's how I like to look at it.
Speaker 2 (30:25):
Love Well, talk to me, what is your big money goal?
What are you currently working towards.
Speaker 3 (30:30):
We actually had a chat my husband and I about this,
and I think it's important to get on the same
page because even having a side hustle can be really
hard at times. So for this financial yell, next year,
we want to really get a new car, and then
being from Europe, we would like to go back as
a family, which you might imagine is a very expensive
exercise with very rich Just then it last year, we'll
(30:53):
be looking at about thirty five thousand dollars. We were
there for five weeks. It was one hundred percent of time.
Had to pay for accommodation because I don't have the
opportunity to stay with family, and it was a trip
that you do not once in a lifetimee for us
because another thing of being married to someone from Europe
it means that half of the family is away and
(31:14):
also you want these regular touch points. And of course,
one thing I love about my husband is that something
that's never been even a question, he's like absolutely and
he loves being in your old blood.
Speaker 2 (31:26):
Love him. He sounds so wholeset.
Speaker 3 (31:28):
He is fantomic.
Speaker 2 (31:29):
I can't believe he just washed up on a beach
for you.
Speaker 3 (31:32):
I know there was big manifestation, you know. Yeah, So
he's fantastic like that. We spend a lot of time traveling.
Prior to having kids. We had good, solid years together.
We work throughout careers. He's actually changed careers. He is
a lifeguard on the Gold Coast, back on the beach.
He's full time lifeguard and he loves it. He's very
passionate about it. He's a very much a waterman.
Speaker 2 (31:53):
So I've got that can cook well.
Speaker 3 (31:56):
Yeah, I do most of the cooking, but he can
cook very well.
Speaker 1 (31:59):
You can.
Speaker 3 (32:00):
And he's very good at making birthday cakes.
Speaker 2 (32:02):
Oh I love this. Yeah, again, very wholesome.
Speaker 3 (32:07):
We're very much showing our children that it is not
about the mom doing this and a dad doing this.
And my husband's fantastic, Like he's currently taking my daughter
to gymnastics and they love it. They love it, and
then they probably will get something that I wouldn't get
for her, like doughnuts or ice cream. And then like
(32:27):
last week, they spent three and a half hours making
a birthday cake for my son. So he's very much,
you know, taking on the role, very present. Yeah, and
his mom was a single mom for many years before
his stepfather came to the picture, so he had a
really good role modeling there.
Speaker 2 (32:44):
So it's incredible to see as well. And then just
looking back on the money story in the life story
that you've had that type of husband. I don't know,
I'm just looking at the way that you grew up
as a kid and you were never going to accept
you know, cooking for a man and all of that,
Like this was the husband that you hoped to get,
but I don't think you ever could have articulated. And
(33:04):
now looking back, like how do your parents feel about this?
Because this is a man that you know, he's not
from across the street. You didn't marry him because he
lived down the road, Like you didn't go to kindergarten
with him, Like that's a different journey, right, And look.
Speaker 3 (33:18):
My mom did say like did you have to go
that far?
Speaker 2 (33:21):
Like did it have to ide? I had to go
that far? Mom? I'm so sorry.
Speaker 3 (33:25):
Look, my parents absolutely adore him. Obviously, the fact that
we live on the other side of the world. It
wasn't on they manifestation cards, I'm sure, but they love
the way how we are, the love our children, and
going back for the first time with children last year
it was a really great experience. I was a bit
worried about it because I do get a lot of
(33:46):
I'm not speaking flow back to my children. I'm not
bringing them up bilingual, and there has been a little
bit of that. My grandkids want to understand me, but
they so much more that they see their the love
and the way how my husband is like. I just
don't think they could have thought of anyone else for
me in general. They can just really see that, and
(34:07):
they sometimes the fact that they can't understand each other
is not a bad thing. Yeah, you know, and my
husband's always been very open minded. I'm not going to lie.
I was worried about judgment bringing someone to my life
or the way how I grew up. It easily could
have been someone that would like snobbed over and thought
of me lesser because the way I grew up.
Speaker 2 (34:29):
No, And you know what, if they had, they would
have been straight out exactly.
Speaker 3 (34:33):
But my husband sees the best in people and make
them feel really good about everything. They have and I
love that quality in him. Yeah, he does my mum
and has always been very supportive.
Speaker 4 (34:44):
You know.
Speaker 3 (34:44):
We have spent a few years helping her out financially,
and it's never been a question. It would never be
like you can't do that or why. It was always like, absolutely,
that's what we're doing now, exactly, Adore money does. Let's
to a really quick break because on the flip side,
we still need to get through investments and debts and
(35:05):
personal insurance and your best and worst money habits.
Speaker 2 (35:07):
For guys, it don't go anywhere money, Doris. This is
one of my longer episodes, and I have no intention
of cutting this down. I have adored hearing about your
life and what it was like and how things have
changed and how somehow you manifested a man washing up
for you on the beach. But tell me, do you invest?
(35:30):
Is that something that is part of your money story?
Speaker 3 (35:33):
A good question. I have been sitting on the fans
with investing for quite some time and I haven't taken
the first step, but I have set myself up in
a way of having the funds to do it. I
think the analysis paralysis has been keeping me back.
Speaker 2 (35:48):
Oh it's really real, isn't it.
Speaker 3 (35:50):
Yeah, it's there's so much out there. And look, it
is one of the reasons why I started to listen
to your podcast. Or do you have your investing for
kids playlists saved? And that's actually my that's on my
go to do list, Like I really want to invest
for my children because multi generational wealth is something that
I would love to provide and I would love to
start that for my children. And one of the things
(36:12):
I put in the submission was we do the ten
cent refund bottles collection you did started about two years ago,
and I put them into my children's account as well
as transferring ten dollars every week regularly, and we have
jointly about five thousand dollars in that stop it.
Speaker 2 (36:30):
So from doing the ten cent bottle refund, you got
five grands.
Speaker 3 (36:34):
And look, if you do the mass, it's ten cents.
How many bottles, girlfriend, that's a lot of bottle.
Speaker 2 (36:39):
That's where my shock is coming from.
Speaker 3 (36:41):
And look, we again, you sometimes find that when you
do these things, the community aspect of that is actually
so amazing. So we have graining collecting for us. We
have the neighbors they collect for us.
Speaker 2 (36:56):
The community we know.
Speaker 3 (36:58):
Which people love drinking. We always get the wine bottles.
But I also set it up the way I said
to the people, if you are happy to collect them
for us, here is a bag or bin or whatever,
I will collect it. I will make it easy for you.
I don't want it to make it someone else's bird.
Speaker 2 (37:14):
You can come and get mine. I know we don't
live near each other, but you can come and get mine.
I would give them to you. And do you know
what that's a big thing for me to say, because
my nephew's collecting them.
Speaker 3 (37:22):
Well, thank you. I appreciate it. Don't tell you so. Yes,
we have created that and it's been a really great
way to show the kids because I'll tell you what.
They sometimes like, Mommy, I don't want to do that.
And you have to take them to the refund centers.
Speaker 2 (37:35):
Yeah, they have to be part of the actual process,
like you can have to do it for them, like
that's defeating the purpose of teaching them.
Speaker 3 (37:41):
Absolutely. And look my daughter, because obviously I've got the
side business with the dog sitting as well. My daughter says, oh,
there's money, you know money, Mommy, Are we rich? And
I was like, well, what is rich to mean to
you like, if you go to a shop and you
can buy something, or does it mean that you have
to you know, for me, it's starting to talk about
money as an opportunity or means to either have the
(38:04):
lifestyle or the time or the opportunities. That's a really
big thing, and it's the start of it. You know,
once you get to the point where there is excess
amount of money or even just opportunity for money to
create more money, that is exciting. However, I have to
say where I am right now, having a part time job,
two small children, a side business, obviously husband that I
(38:27):
like to spend time.
Speaker 2 (38:28):
It's a lot.
Speaker 3 (38:29):
I do find it quite challenging to keep up with
making the right decision and podcasts have been really helpful.
Speaker 2 (38:36):
And I'm glad.
Speaker 3 (38:37):
Yeah, and I did mention one of the reasons I
started my side househole is because that idea has been
discussed on the podcast and I just felt again it
was just another like I've had this idea before, I've
been thinking about it, I should really do it. And yeah,
I feel like financial literacy is for women such an
important skill to have because it gives you freedom, gives
(39:01):
it confidence, It just pivots you forward so much, and
I just, yeah, I think it's very important.
Speaker 2 (39:08):
I couldn't like you're preaching to the converted.
Speaker 3 (39:10):
Yeah, I know you're telling you you're preaching to the.
Speaker 2 (39:12):
Converted, but it is so true, right, And like I
just keep reflecting on how you've grown up and how
this would never have been part of your narrative, like
the fact that you're teaching your kids about how to
grow their wealth and you're wanting to invest for them,
Like this just is so foreign from the way that
you grew up. It's just so special. Thank you, And
(39:34):
I think that that's really cool. Do you have any debt?
If so, what kinds of debt?
Speaker 3 (39:39):
Yes, so we have a mortgage. We purchased that property
in twenty seventeen and it was our third property in
a sense that we bought sold, bought salt stop.
Speaker 2 (39:47):
Ukme literally to Australia with twenty dollars And now you
are buying properties. But this is your third one.
Speaker 3 (39:55):
Well it's not the third one, that we already have three,
but we would it you've gone through three. Yes, yeah,
And this is again this is very much my husband
educating me, all sort of telling me. Look almost like
this is the Australian dream, right owning a property. Yeah, wow,
what I'm going to be a gypsy and I'm going
to travel and I'm going to live, you know.
Speaker 2 (40:16):
And he's like, yeah, I think we should.
Speaker 3 (40:18):
Come together like this is the next stage. And I
was like, okay, so no more life nom gypsy life.
He's very much the driver. He's also very good with finances,
like he often looks at the loans and the terms
and really understands it. We started with the unit. We
sold the unit with the profit, we bought a duplex,
We sold the duplex with the profit, and then we
(40:40):
bought a house in Miami which is quite you know,
one of the beachside neighborhoods on the Gold Coast, and
we bought it for six hundred and sixty thousand and
we have put ab one hundred and fifty thousand renovations
into it. And due to the COVID and the land
value increasing, we one point seven million.
Speaker 2 (41:01):
Is how much?
Speaker 3 (41:03):
One point seven stop it? Yeah, money win.
Speaker 2 (41:07):
But also just like incredible and is this is this
a house that you're planning on selling and then you
will you move into something else? Or was this the
dream house that you got into.
Speaker 3 (41:18):
When we bought it, it was a two bedroom, one bathroom,
what you would say a beach shack. We've turned it
into three bedroom, one bathroom, but it's very obvious that
it's going to be too small for us at some point.
Speaker 2 (41:30):
How beautiful though, to have that opportunity to sell that
and then move into something else and probably not have
that much of a mortgage on it.
Speaker 3 (41:38):
Yeah, look, that's the dream, that's the goal. Were also
very lucky. We live very close to my husband's family,
which we are very close with, and we are two
hundred meters walk dist into the beach.
Speaker 2 (41:48):
Oh stop that, so it would be very lucky.
Speaker 3 (41:50):
And one thing I mentioned so I did say to you,
I work for an architectural studio. One thing that's been
quite prominent the goal goes is developing. Obviously, so when
you land, yeah there's a lot, you can actually my
street predominantly you knock it down, You build a duplex,
and you sell one, duplex, you keep one, you sell both.
So there is an opportunity to do that, but obviously
(42:11):
you need to be in a financial situation to either
withhold that or you can sell one prior to build.
So there's lots of different options that we are considering.
Speaker 2 (42:19):
Well, if you talked to a good mortgage broker, you
could probably organize the finance on that, especially because I
can tell from the background you've got some good equity
in the property that you currently own.
Speaker 3 (42:29):
Yeah, there is that. We have also reached out probably
about six months ago regarding purchasing investment property, and at
the time my earnings were too low. We really end
up with rough pre approval. It was your stuff. It
was a very much of a reality check. But what
actually happened. She said, if you had any other income
(42:51):
that you would declare, it would make quite a big difference.
So the idea this year was to obviously put through
my side hustle income and that would have dramatically increased
our borrowing capacity. Will however, obviously the budget announcements have
put few spanners in the works. And yeah, I think
for us it's firstly, we're not at the end of
(43:12):
financial year yet, we don't know exactly what the situation
looks like. But what we do know that even with
the increase, we wouldn't be able to purchase one gold coast.
So there are so many things to consider around investing
somewhere else in Australia and how they would potentially impact
our lifestyle and things like going to Europe. I know
they're very much a want, they're very no.
Speaker 2 (43:36):
But that's lifestyle and it's about enjoying the journey, not
just the destination. I think sometimes, especially with social media,
we can get caught up in becoming the richest and
the biggest and the best, and like, that's not necessarily
it like it's connection to your roots, it's connection to
your family, it's sharing that, and like, arguably that's worth more.
Speaker 3 (43:59):
Look, I think, thank you're right. I think that I've
arrived at the realization again probably thanks to my husband,
because I didn't understand what a lifestyle meant. If you
grew up in Eastern Europe, it just works.
Speaker 2 (44:11):
It was survival.
Speaker 3 (44:12):
It was my mom had worked six days a week,
never had time off in school, holidays. I was pretty
much brought up by my grandparents for a lot of times.
It was always a grind. And then my husband, I
actually in my career, had opportunities to work into state
and more money, and I said to him, how do
I do that? I fly back on the weekends and
he's like, no, that's not a lifestyle, and I was like,
(44:34):
what do you mean lifestyle? What is the lifestyles this
lifestyle collecept But now having children actually one thing that's
one of my highest value. It's spending time with them
and quality time. And the side hustle of the dog
sitting actually allows me to do that a lot because
I can take time off in school holidays. In fact,
my bookings usually are at the highest peak because other
(44:56):
people go away, I can stay at home and I
spend time with them. When we're getting paid and I'm
getting paid, often I get paid more than I do
in my actual role, which is that's crazy. It is
the bonus, but it is, you know, a bit of
a balance. And at the end of last year, I
actually had six weeks off over Christmas incredible with my son,
(45:17):
which is I feel so lucky to do from a
sense of My employment allowed me the opportunity to do that,
and I was able to support that time financially through
the side hustle, so that worked really well.
Speaker 2 (45:28):
That's crazy. So tell me, is personal insurance something you've
ever thought about?
Speaker 3 (45:33):
We definitely thought about it, and we started to talk
about it in a little more detail and what that
would meant if one of us got seek or one
of us had a permanent impairment or something like that,
we definitely have discussed it.
Speaker 2 (45:46):
Yeah.
Speaker 3 (45:46):
I also have a cover through my super so obviously
I know it's something that you often ask.
Speaker 2 (45:51):
Yep.
Speaker 3 (45:51):
So I have a death cover, a total and permanent
disability cover, and I also have an income protection through
my super. Ah.
Speaker 2 (45:58):
So there you go, you taking all the boxes.
Speaker 3 (46:01):
Yeah, so, and I've set it up about twenty fourteen,
so that's sort of been ticking over and that's there.
But there's other things that were also interested in and
since having my own business or more so a sole trader,
so just to be very clear, I also have a
business cover. I was very particular about the fact that
(46:21):
one thing with pets is, you know, vet fees are
so high, so incredibly I really wanted to make sure
that if I ever found myself in a situation, I
am covered. So I found one business cover that offered
me what I was after, and I obviously purchased that
too for.
Speaker 2 (46:38):
The smart Yeah yeah, that is so smart. Now tell
me what do you think your best money habit is?
Speaker 3 (46:45):
My best money habit, I would say, is really understanding
value of things and looking for value. So an example
I could give you is, let's say us going on
holiday and having time away. The things that I like
to consider is, do we go away during a week
where the accommodation is cheaper, we'd be staying at the
same place. Could I book stay through places like booking
(47:08):
dot com and get ten percent cash back? Could I
book it through luxure escapes where you know, often you
see the value and how much you pay. Those kind
of deals I would say have actually worked really well
for us. But also I try to understand it really well.
You know, there's other things you're planning for a birthday?
Could you order things online? They're cheaper, but you have
(47:29):
to just do it early enough, you know. And how
it also can eventuate at work is let's say we
want to try a particular function with kenba. Well, Kenma
offers thirty day premium subscription they do. Yeah, yeah, let's
use the thirty days and really see how we make
make the most out of the value. So I like
to think of ways how I could really substract the
(47:53):
value out of things. And also if the value is
showing to be useful and important, obviously you can then
use down the tracks. So, yeah, I like to think.
And I had a career in retail. I worked in
retail for ten years. I do understand how retail products
that's good, So I understand how much help sales refunds. Yeah,
(48:13):
I understand all that. So I very much applied that
knowledge to a lot.
Speaker 2 (48:17):
Of I'm sensed. Do you even have any bad money habits?
What do you think? Your worst is?
Speaker 3 (48:22):
Absolutely?
Speaker 1 (48:22):
Do?
Speaker 3 (48:23):
Oh my worst thing. I'm a Cereal card shopper. I
leave everything in my cards and I just go back
and I look at it and there might be new
deals and I add more things to cards and then
never check them out.
Speaker 2 (48:36):
And I just love doing that because you're not spending
the money.
Speaker 3 (48:39):
Yeah, I love doing that. I also can be impulsive
at times, but I'm learning to be better at it.
Speaker 2 (48:46):
I think it's relatable, though. Who isn't impulsive at times?
And if they're not, what's going on there?
Speaker 3 (48:51):
I wonder what my husband would say my worst habit is.
Speaker 2 (48:54):
I don't know. I have to ask him, let me
call him, I whole ask him. I sh't he would
say anything. I think he would just say, shous fantastic.
She's the best thing ever. She has no bad habits.
Speaker 3 (49:02):
Oh I know, I do have to say that. My
husband would say this about me. I have these ideas
and I was like, let's buy a house, let's buy
investment property, and he would say to you, he's the
one that has to go, Okay, how are we going
to do that?
Speaker 2 (49:18):
Let's get back like you're bringing the ideas to the table.
He's the doing man.
Speaker 3 (49:23):
He's like, do we ever just like you know, like chill,
let's smell the roses, let's enjoy.
Speaker 2 (49:29):
That's my husband. Yeah, that's my husband as well. I'll
be like, so I was thinking and he's like, didn't
you say you were busy? Like, didn't you say that
you were already overwhelmed?
Speaker 3 (49:38):
Yeah, but I was thinking it was yesterday today.
Speaker 2 (49:41):
Yeah, that was yesterday, and I'm over that now. I
would like to do this other today.
Speaker 3 (49:45):
I had a full night sleep and I was thinking
that we should.
Speaker 2 (49:48):
Do this and exactly, and don't you use my own
words against me. That is quite rude.
Speaker 3 (49:53):
Oh yeah, I also like to add things onto his
to do least, which he hates me to do. Yeah. Look,
that's probably would be. But I think having this obviously
the last time my parents probably have paid for anything
relating to my life was probably at eighteen years old.
So having this feeling that I am really steering my
(50:13):
own ship and I am in charge has probably put
me in a situation that I would not go and
buy things. You know, having a joint bank account. My
husband knows that I would not go and spend five
thousand dollars without him knowing. I would never put as
in a jeopardy. I did have it after pay for
quite some time, and I don't have that anymore because again,
it's something that you feel like you need to have
(50:34):
because it's everywhere, and then you tried and it's don't
like the way how it feels, and like the way
how it eventuates, and then you cancel it and and
you're like, Okay, won't do that again. You know, learn
from that.
Speaker 2 (50:46):
Yeah, at the start of this episode, I didn't know
what we're going to get into. Before we even spoke
about your money story, I said, what grade would you
give your money habits? And you said you're aceipt? What
you think that you're a cipt? After achieving all of that,
what would it take for you to get to even
become a bee? Look?
Speaker 3 (51:04):
I think that the investment part. Obviously, having a shared
portfolio would be fantastic. That would be something I would
love to do. I would also love to work on
my career and opportunities even with the side ut so
as a business, to get us to the point where
there is money that goes beyond the sort of the baseline.
(51:25):
So those kind of things I feel would take me
to hire Mark and setting up system where money creates
money because I do definitely still fall in a situation
where money is there, I think about the way to
spend it. Yeah, okay, I would love to reframe my
thinking about think about the way to invest it, or
think about the way how that money could make more money.
(51:47):
I am not there, and I think that takes a
lot more rewiring than you know. I'm just not there
right now. But I think things like your podcast books
speaking to people listening to stories, that's manifest station right there,
because these are people who have actually done it. It
was a podcast of a girl recently, I think she
was like nineteen or twenty one, and her portfolio was
(52:08):
in you know, over one hundred thousand. That to me
is inspiring. I think you think, okay, if she can
do it, surely, you know, I would be able to
learn something from that it applied and hopefully benefit my
life and the life of my family.
Speaker 2 (52:24):
And you are already Like at the start of this episode,
you were like, there's so much privilege and luck. No,
there's not. You did all that, you created all of
your own luck. You're like, you did not grow up
with privilege. You did not grow up with a silver
spoon in your mouth. But you have just done so much.
And just thinking about your children and the work ethic
that you're teaching them might goodness, they are going to
(52:46):
be such wholesome human beings. Like I hope you are
so proud of yourself because this is incredible.
Speaker 3 (52:52):
I hope so, and I appreciate that.
Speaker 2 (52:54):
I can't wait for the community to hear this story.
It's going to be amazing. Money direst, thank you. Thank
you so much for sharing so much of yourself and
your story and your journey and your family's story with me.
It's been a genuine privilege.
Speaker 3 (53:07):
Thank you. I appreciate them. Thanks for your time and
the opportunity to come.
Speaker 2 (53:10):
On a podcast.
Speaker 4 (53:16):
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
(53:36):
your needs. Victoria Divine and She's on the Money are
authorized representatives of money. Sheper pty Ltd ABN three two
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My name's Tatasha Bamblet. I'm a proud First Nations woman
and I'm here to acknowledge country te glennyan Ganya, Niana,
Kaka yah y and Binahaka Nian our gay In Mbini,
yakarum jar, Dominyagumika Umaga, Ihowaka, Nile, waman damind Imlan Bumba
bang Gadabomba in and now in waka ghana on yakarrum
jar Watanadaa. Hello, beautiful friends, we gather on the lands
(00:24):
of the Aboriginal people. We thank acknowledge and respect the
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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
welcome Just She's on the Money, the podcast that let
you be pervy about other people's money habits for educational purposes,
of course. Welcome back to another one of our money diaries,
brought to you by our friends at Sky Wealth, where
I get the absolute privilege of sitting down with one
(01:06):
of our incredible Shees on the Money community members and
talking to them all about their journey. Let's jump straight
into it, because this week I got a message and
it sounded exactly like this high She's on the Money.
I've always been pretty resourceful when it comes to money,
mostly because life keeps changing and I've had to adapt it.
Over the years. I've pivoted careers multiple times to make
(01:29):
life work around raising two young kids, and lately I've
been thinking a lot about how important that flexibility is
going as AI changes the way that we all work.
Last year, I started a dog sitting side hustle, and
in my first full year as a sole trader, I'm
on track to make forty thousand dollars alongside my part
(01:49):
time job. I'm also slightly obsessed with little money wins,
from bottle refunds for the kids savings accounts to flipping
marketplace fines for a profit money diarist. I feel like
this is going to be a really fun interview.
Speaker 3 (02:02):
I hope, so I'm very much looking forward to it.
Speaker 2 (02:05):
I cannot wait to dive further in before we get there.
Can you tell me if I asked you to give
yourself a money grade? From A through to F. What
would that grade be?
Speaker 3 (02:14):
Like everyone says, I had a really good think about it,
and I would give myself a ceat.
Speaker 2 (02:19):
See, yes, I think so, just I didn't see that coming.
Speaker 3 (02:22):
Look, I think there's so many opportunities that I am
not even scratching the surface. And obviously investing is a
big part of the podcast. It's a big part of
what I believe would lead me to financial success and
freedom in the future. And I think that's a really
big part of why I would go down from the top.
(02:42):
And also, you know, I am thirty eight. I feel
like I am very much just still learning and I
still got a long way to go.
Speaker 2 (02:49):
All right, I'll let you keep it. But I feel
like you are investing in yourself. Like, sorry, you invested
in a side business that's now generated you forty grand.
That's arguably maybe a little bit better than buying your
first share.
Speaker 3 (03:03):
Yeah, oh look, I'll take it. I'll love that. And
I have to say, with this particular side, so one
of the reasons I chose it is it because there
is zero up from cost.
Speaker 2 (03:13):
So the money weed.
Speaker 3 (03:14):
Yes, So I'm not setting up leases, I'm not buying equipment.
Literally started with the thought of walking a dog and
looking after a dog because I already had a dog,
and you literally need nothing. People they come to you,
They bring the lead, the food, the toys, the trees, everything,
the bets. You really don't need anything, just yourself, and
(03:35):
you do need basic things like obviously have a home,
ideally that your own. Oh yeah, secure home, and you know,
bits and pieces on the side. But at any point,
if I wanted to stop it tomorrow, I've got no
problems with that.
Speaker 2 (03:48):
Yeah, that's so good.
Speaker 3 (03:50):
A lot of unhappy clients, which will be sad, but
I've always had that thought at the back of my
mind is that I'm not risking anything. I'm really just
giving go to something that potentially could turn into something great,
and if it didn't, that would be okay too.
Speaker 2 (04:05):
No, that's so good. And I just have this not unhinged,
but unhinged belief that the best types of people in
the world are dog people. I'll take If people don't
like dogs, I'm sorry. If you're listening to this you
don't like dogs, but I question you. Yeah, there's something
going on there. I don't know what it is, but
I don't like dogs. Can't have it I do have to.
Speaker 3 (04:27):
Say some people, unfortunately have a fear because of the experience.
Speaker 2 (04:32):
It's just different than you're liking dogs. True, true people
who go nah, I don't like dogs. I go, oh, like,
are you fearful of them? No, I just don't like them.
Can't get around that. If you, like, were attacked by
a dog, of course you're going to be terrified of them.
I empathize with that. That's a different story.
Speaker 3 (04:49):
I actually have to say I have been a deck
by a dog when I was a child. I've got
a big scar to prove it. And I'm not afraid
of them.
Speaker 2 (04:56):
But you know, I still dog person, yep.
Speaker 3 (04:58):
And I don't think I've ever met anyone actually told
me that they didn't like dogs. And in fact, part
of my role is recruitment, and I do ask that question.
I was like, are you ask the famies dog?
Speaker 2 (05:09):
It's just, you know, when you go.
Speaker 3 (05:11):
Through all these really ditail question and the role that
I kindly would interview for, it's got a lot of
technical stuff and then everyone is kind of feeling but
you know, like there's a steam coming and you just
want to bring them down to a personal level. I
always say, look, this is a very important question. It's
possibly a make or break, but you know, I'm not
going to jump ahead. I said, do you like dogs?
What kind of dog do you have? Because we also
(05:33):
a dog friendly office, and it's just to break the eyes.
It's really just something to soften the.
Speaker 2 (05:38):
I think it's really sweet. In fact, I asked the
Prime Minister then we go him and that led to
him air dropping me pictures of his dog that I
can share with my dad. So like it worked. You
can break the ice only truly anyone by asking about dogs.
Speaker 3 (05:53):
But look that happens, like if someone asks me about dogs,
I because of the nature.
Speaker 2 (05:59):
Of what I do, Like, sit down, are you ready?
Speaker 3 (06:01):
I had to upgrade my phone and I've paid for
extra ye class for all the cootos storage. Yeah, I
like all the angles, Like I can't just choose one
angle because they're so cute.
Speaker 2 (06:11):
On AMATE legal to delete a photo with someone's dog.
Speaker 3 (06:14):
Yeah, So look, pet photography could possibly be a branching situation.
You know, also see people they do pet portraits. Oh
use an opportunity. Yeah, imagine getting a beautiful portrait framed
for your birthday of your dog.
Speaker 2 (06:30):
That could be like part of your business. Where you
like print a picture of their dog for Christmas.
Speaker 3 (06:35):
Absolutely, I just need more time in my day, you know.
But look with AI, perhaps it is a productivity issue.
Perhaps there's an efficiency issue exactly. Maybe you're making AI
work for you.
Speaker 2 (06:46):
Let's get into it. Money, the highrist. I want to know.
Tell me a bit more about your money story and
the things that you think have impacted it.
Speaker 3 (06:53):
Look, I would say I'm quite a multilated person because
I grew up in Eastern Europe during the communism regime.
When I was born, there was one year to go
from the regime, and then it obviously changed with the
country got independence, but then when I was five, the
country is separated into two. It sort of very much
was an aftermath of a communism. So it was a
(07:15):
very interesting way of growing up and very hard sometimes
to relate to what we would call a Western world.
Because I would say that if you would talked about
my up bringingd we're very similar to maybe your mum's generation.
So I grew up with black and white TV like
Charlie Chaplin used to be on TV. My parents lived
of land, so we lived in a farm. My grandparents
(07:38):
never really had a job in a traditional sense they
worked for the government and they were getting something back
because it was obviously about the greater rather than the individual. Yeah,
they kind of impacted, like, you know, we've never had
a mortgage on the home because land was something that
was given to people for working for the government. And
then you build a house that you had some savings,
you were able to build a house, but you build
(07:59):
a house with your brothers and your friends and people
down the road, and you were exchanging and it was
very much like.
Speaker 2 (08:06):
It's such a like it's something that I couldn't even comprehend.
Speaker 3 (08:11):
And look, it was also very sheltered, like if you
see any of the movies they talk about like the communism,
and there's a fantastic show at the moment called The
Ponies and that shows a little bit. It's based in Russia,
but it was like the world where they were really
worried that the Western will bring it and will change everything.
And you know, people used to get letters with the
words cut out and they're like, oh, what does this mean?
(08:32):
And people used to flea to us because the regime
was quite intense, and you know, there were no things
like there were no kick cats, no mass bars. Everything
was very much either like handmade or everything was very
like dull colors. All my clothes were like hand me down.
It was quite a different way of growing up. And
everything like when you open a fridge there would be
(08:54):
milk and they would be better, and then everything else
came from the farm or the land. My parents harvested everything,
and in summer or after harvest, we had fresh and
through winter we storeded under the house. We had these
sellers and they used to pickle jam do all that.
So we were very self sustained. But it was also
(09:16):
a sense of poverty, like more in a sense that
we never went without and we never not had food,
but everything was made from scratch, so everything took a
long time and there wasn't really a lot left for
I guess necessities or just because of fun things. It
was just sort of I think any one growing up
(09:36):
on the farm understands that type of life, and some
people romanticized and you know, believe it's beautiful, and I
believe it's beautiful, but I did not believe it when
I was in it.
Speaker 2 (09:47):
It was tough.
Speaker 3 (09:48):
It was a lot of work. There were no family holidays,
no weekends doing activities. We were working. We were, you know,
doing what we needed to do, so that was interesting.
Speaker 2 (09:59):
Ye what did you know about the Western world when
you were growing up? Because you know, when you said
there were no male as well as there were no
kid cats like obviously, but did you know that those
things existed?
Speaker 3 (10:11):
You kind of got hints and glims here and there,
And also depends our family. My parents didn't really were
the kind of people that they would necessarily want to
do something beyond to what they're knew. At times. I
have to say, my mom's very intelligent.
Speaker 2 (10:26):
She read a lot.
Speaker 3 (10:26):
She worked in the library part time, so we were
reading a lot, and that brought glimpses of different cultures
and how things can be differently, even though Jane Austen
is not always a good indication what the Western world
looks like, but it came later. It came definitely later.
So once I was in school, when I was probably
(10:47):
about ten, I actually went to school in the nearest
town because also I grew up in a town of
about seven hundred people, and many of them were my
cousins and relatives. Speak you would know everybody and there's
no street names, it's just house numbers because it's only
the name of the village, well you would know, and
it's just one street there there was a pub of course,
(11:10):
a church and a convenience store and to go to
school primary school you had to go on the bus
or you had to walk. And then when I was eleven,
I wanted to go to school in the bigger town
or city and that kind of opened up my world
more and in all honesty made me to be a
bit of an alien, someone that stands out because I
(11:34):
was someone that started to learn more, knew more, and
started to ask questions about, well, why are things this way,
why you are doing things? I was definitely pushing and
warning more and you know, as you would know, that
doesn't sit well with everyone. I was too much and
I was asking too many questions at all times and
at times in my life I tried to make myself smaller,
(11:57):
but predominantly I was actually I'm also chasing the people
that would make me feel accepted and actually feed the
hunger of my wanting to learn, wanting to improve, wanting
to see what's out there. And that was really one
of the drivers between me moving out of home and
when I was about sixteen years old, I got a
(12:19):
scholarship to live in Germany, and I haven't really gone
back home full time since then.
Speaker 2 (12:26):
Wow, my mind is spinning as you're talking. I'm just like, Wow,
this is so different to the way that I grew up.
But then also just even in terms of the expectations
that would have been put on you, they're so not
in line with this female empowerment movement that we're going
through where you know you are now in Australia and
(12:47):
I'm about to ask about that. Yeah, but you know
here in Australia, women can become anything. You can do anything,
you can be anything, you can start a business, you
can you know, speak on stage, you can raise your baby,
you have freedom of choice. Yep. And as much as
you probably were told, oh you can do anything as
you you know, you can be anything, money, darist. But
(13:10):
I really don't think that's the narrative that you grew
up with. What was the expectation, Like you said before,
I was too much. I became kind of like an alien,
and that obviously probably pushed you to accept things like
that scholarship in Germany. You were like, I need to
get out, But how do you get this mindset of
I need to get out when that's all you're surrounded by.
Speaker 3 (13:29):
Look, that's a fantastic question. I've got a bit of
a goosebums on you're asking me that. I actually never
really had someone saying to me you could do anything.
My mum was fantastic saying she would listen to my
ideas and she'd be like, well, like, try give it
a go. She was really good at that. But she
did reveal later that she was always hoping that I
(13:50):
will come back because I would see the value of
where I came from. Whereas I was very much you
were like no run. I was very much of that mindset.
And look, now I have two children of my own.
It makes me sad as a mom that that's how
it is. But I've just could not wait to get
out of there. I had like my room was looking
over this field and I was like, what's beyond that?
(14:13):
You know that there must be so much more. But
back to the whole female empowerment and look, living in
twenty and twenty six is fantastic for so many reasons.
I do think we have a long way to go,
and my career journey probably is a little bit of
a snapshoot of that as well. But growing up, my
mom used to say, you need to learn how to
(14:34):
cook because husband wants you to cook. And my mom
cooked all the time, like Sundays used to be half
a day, was like this elaborate meal. And I was like,
absolutely not, this is ridiculous.
Speaker 2 (14:46):
Why would I need to do that.
Speaker 3 (14:47):
This is where Jane Austen comes, you know. I was
like what no, like absolutely not female empowerment.
Speaker 2 (14:53):
Mom's like, who are you?
Speaker 3 (14:55):
Are you crazy? And I was like, well, I'm not
doing it? And She's like, what are you going to do?
And I'm like, I'm going to marry a chef And
guess what I did?
Speaker 2 (15:04):
You did? You married? I did?
Speaker 3 (15:07):
And it was like it probably shows the power of
like things that you just put out there. And it
wasn't like I didn't meet my husband. I was like,
are you a chef? Or done you know your mine?
Speaker 2 (15:17):
Even it would have been much easier to do it
that way, I'm sure.
Speaker 3 (15:19):
Even just the first sort of a boyfriend I had,
he was a chef too, But it just maybe perhaps
it's the thinking that I was after someone that thinks
I don't need a wife to cook for me, and
this is an unfortunate byproduct of some of the europe
and up bringing. And I don't want to make it
a general rule because it's changed a lot. Just keep
(15:40):
in mind, I haven't lived there since I was eighteen
years old.
Speaker 2 (15:43):
Yeah, but these are still your real lived experiences.
Speaker 3 (15:46):
And a lot of women in Europe bring up men
to believe that their wife are they're to cook and
clean and take care of them. And I just never
subscribed to it. And my mum was smart enough to
understand that. My dad probably didn't get it at all.
But my brother also loved to cook. He was very
inspired by Jamie Oliver. Jamy Oliver was just coming out
(16:06):
and my brother was experimenting in the kitchen and I
was like, you go, you love it, you do it.
I'll plan whatever, like you know, I don't care, Like
I'm not going to be in the kitchen. I'm not
going to marry a man for him to want me
to cook all the time. And I do cook at
home now because it is a split of roles. But
it just was something that definitely, the role differentiation back
(16:29):
then was obviously very strong and still continues to be,
but it's come a very long way.
Speaker 2 (16:34):
Yeah, and all I'm hearing through that is it probably
wasn't even the cooking, that was just where you were
channeling this idea of No, I don't want to marry
someone where I'm not on the same page. No, I
don't want to marry someone where I don't have a quality.
And at that point you probably be like, I don't
know how to articulate that, but I'm not cooking for
(16:55):
someone and that's just not happening.
Speaker 3 (16:57):
That's correct, And I think now that you actually put
it in that perspective, it's actually interesting thing to listen
to my own children and what are they saying, and
are they saying something just they just don't know how
to articulate in a way that I would understand it,
because there is definitely that level. And I also knew
from a very young age I did never wanted to
marry and stay where I was, and one of my
(17:18):
biggest fear was to marry someone I went to kindergarten with.
And I've got nothing against it. There's some beautiful couples
that I know that did that, and many people do it.
Many people also marry the girl from across the street,
because you know, that's just what you do I could
not think of anything worse, and I was like, I'm
out of here. But to get there, I had to
really think about it because we were not in a
(17:40):
good financial situation. I would say we were on the
war side, didn't have any extra money for anything. So
I was like, I knew, it's not going to be
something that my parents or anyone can pay for. I
had to think about how that could happen. And the
opportunity to apply for a scholarship when I was fifteen,
I had to work really hard for it. There was
(18:01):
a whole bit competition and there was one spot. It
changed my life completely and it did eventually lead me
to Australia again very around way. But initially it was
about thinking, Okay, what could I do to prepare myself
for these opportunities that might come down the track, And
you know, that was one of them. So I'm yeah,
(18:22):
that's probably one of the attitudes of approaches. I was
able to apply at a young age and think, Okay,
actually that works. Like that worked. Okay, Like it wasn't easy,
but it worked. Could I apply the same approach later?
And honestly it works. You know, if you really want something,
you really make it work totally.
Speaker 2 (18:42):
So at sixteen you moved to Germany, you don't return
home in a full time capacity. How did you find
your feet in Australia.
Speaker 3 (18:52):
So the family that I was very lucky, they put
themselves forward to be my guest family.
Speaker 2 (18:57):
In Germany.
Speaker 3 (18:57):
There were this retired teachers, really beautiful for they daughter
and son were going back and forth in Australia, and
there were doctors, and the university hospital at the Gold
Coast was sort of on the horizon, and they said
go back finish year twelve and we'll hold a spot
for you as nanny. And they hope already a full
time nannie's regularly. But it's like, if we know that
(19:19):
you're coming, we have a spot for you, and come
for a year. We pay for your flights and then
when you hear you've got your board and everything. There
was very small pocket money and you can be here
for a year. Leading up to that, I just wanted
to mention that I have then put that sort of
in my horizon, but I treated more as an opportunity
to improve my English, because I've applied to go to
(19:41):
university in the UK, where my brother was at the time,
and I could accept it. So I was like, I'm
going to defer.
Speaker 2 (19:47):
For a year.
Speaker 3 (19:48):
I'm going to go to Australia. I'm going to improve
my English because I was already fluent in German by then.
Speaker 2 (19:53):
That would be my year.
Speaker 3 (19:54):
And I was like, when do I ever get to
go to Australia. Australia for me it was Sydney. There
was this article in one of the German magazines I
used to read. I actually cut it out and I
had it on little board.
Speaker 2 (20:06):
You're a manifestation queen. You've manifested marrying a chef, moving
to Australia. Like look, I don't know if you know
this about yourself, but like you got this down pat.
Speaker 3 (20:16):
My friend I had a picture of the Opera house
and I had New Zealand next to it as well,
and I was like, what is this land down Under?
Speaker 2 (20:24):
You know? Are they really like what is going on?
You really do have kangaroos? Yes?
Speaker 3 (20:29):
And my husband would say I used to write them
to school. No you didn't. Yeah, I just had this
sort of idea. And then when they said Australia, I
was like, I'm down, I'm coming and again no money,
absolutely no money, and they're like I'll pay for your flights.
I literally came on that flight with twenty dollars. There
was no room for That's crazy, Like, even though I'm
(20:50):
picked me up at the airport, I'm probably stranded somewhere,
you know, somewhere. But I was like, I think it's
the youth, you know, you just like you just give
it a go. And it scares me a bit that
my children might be a little bit.
Speaker 2 (21:03):
You're like, are my kid's going to do this? Because
absolutely not. I know that scares me.
Speaker 3 (21:07):
I'll be like, no, are you coming with me? But yeah,
look that was me, like what is there to lose? Right,
I've had this university lined up, and prior to that.
In nineteen ninety three, the EU borders open in Europe,
so which meant we could live and work in the
UK and that was a huge That was a huge
thing for a lot of people. They called it sort
of a brain drain. Lots of the educated people from
(21:29):
Eastern Europe moved to the UK. However, the language obviously
was the barrier, so it took a few years to
kind of get to where they needed to be. And
my brother is really quite an inspiration. He did his degree,
he had a fantastic job. He worked at the university
and he's now living full time in Scotland and that
was sort of his trajectory.
Speaker 2 (21:49):
Anyway.
Speaker 3 (21:50):
I came to Australia and three months before my visa
was due to expire, I used to drag this big
mail surfboard down the beach. We were actually living quite
cless the beach, and tried to surf. I was like,
I'm here for twelve months, like I need to learn
how to surf, right, And he was terrible. And one
day I coming out of the water and another surfboard
(22:11):
sort of comes to my feet, so I pick it
up and this guy comes up. It's like, oh, thanks,
so you know, forgot my leg robe for the day
or whatever. And that's my husband.
Speaker 2 (22:20):
Ah, he literally came swimming up. Yeah.
Speaker 3 (22:23):
The rest is history. And I have to say I
was eighteen years old at the time.
Speaker 2 (22:28):
That's okay, so impressionable.
Speaker 3 (22:30):
Yeah, I was twenty when we got married, and we
sort of just jumped in and we will be married
eighteen years this year.
Speaker 2 (22:37):
I was about to say eighteen years because you said
that you're thirty eight, right, Yeah, yeah, that's crazy. And
so then you never headed back to the UK for study.
You threw in the university degree over there for a boy?
Is that what happened? I did not.
Speaker 3 (22:51):
I was smarter than that. We had a connection and
we were sort of hanging out and I said, look
I got to go back, and he said I want
to marry you and I said absolutely not. Who do
you think I am? Like? You know, I was like
I'm building myself, you know. I was imagining this big
city girl in the UK and it was exciting. There
(23:12):
were supermarkets open past five o'clock.
Speaker 2 (23:14):
In the after That's crazy, isn't it.
Speaker 3 (23:16):
Oh yeah, God, Sainsbury's, Tesco's, Like it was fantastic. I
was living the best life. And I was like, I'm
going back. I've got obviously union. He's like I'm coming
with you and I was like okay. And look there
was this moment and I was like he actually already
had a trie book to Bali from Australia.
Speaker 2 (23:34):
I get it.
Speaker 3 (23:35):
He went and then we sort of finalized all the
things over messengers.
Speaker 2 (23:39):
I don't know what it was.
Speaker 3 (23:40):
And then he's like I'm coming. Is it okay? And
he's like can we live together? And I was like
this moment in me. I was like, it's just this
is hard, Like I'm nineteen, I'm about to put all
my eggs in the basket for this one guy I
met three months ago, like really like, oh, I could
just have so much fun freedom. And I was like,
I don't know something about it, just felt like I
(24:03):
wanted to do it. So yeah, we moved in together.
We had a shared house. We lived there for a year,
and this was two thousand and seven. Eights of the
GFC was becoming quite prominent. And one thing with my
husband what I really admire about him. He was a chef.
He worked as a sushiev at the Reticent here on
the Goldkost. He printed out his resumes. He got a
(24:24):
job the first week he came to ok and he
worked six days a week and he worked so hard.
He met my brother, he became part of a friend circle,
He met my parents. He made the life there for
a year in a truly like a supporting partnership where
it wasn't my money, it wasn't your money. It was
(24:44):
a very early Christening with fire because I had these
money feelings about men holding power over women because they've
got the money, which I have from my dad, and
that really a lot of it came into in that
year and even has since then, but it really showed
(25:04):
me that with him, it wasn't about that. It was
our money from the start, and when we wanted to
get married, we had to have join bank accounts. And
we've had a joint bank account since then, Like we've
never not had a joint money.
Speaker 2 (25:18):
That's crazy.
Speaker 3 (25:19):
Yeah, and I'm not saying it's the best option.
Speaker 2 (25:21):
For We're not saying it's the best, but it worked
out for you. But I also think that you know,
I'm listening to this story, and even when you're eighteen
nineteen and you've just met this guy, you've got your
head screwed on in a way that I don't think
many other eighteen nineteen year olds did have. Especially because
of your upbringing, you could have been incredibly sheltered in
those moments and just been like yeah, okay, no worries,
(25:43):
whatever you say, but somehow you just knew better, Like
your intuition was like right on.
Speaker 3 (25:49):
Yeah, And look, I think I have always been described
as like an old soul or like a head of
you know, when some people are just probably thinking slightly differently,
and they could be detriment. But also I've always been
around all the people. I think I just had more
connection with them.
Speaker 2 (26:06):
Oh, I get it. My grandmother used to always say
about me, she's been here before.
Speaker 3 (26:12):
Yeah, I can feel it. And once you have your
children you can sort of see that and you can yeah,
something has happened a few years prior. That made me
realize that if I don't give this a go, I
will regret it because I might not get another chance.
And that was literally. I think one of the things
that I am good at is that when I something happens,
(26:34):
I am able to learn from it and really applied
moving forward. And I was like, well, if it doesn't work,
that's fine. If it works, I mean, we've got two
children together. It is a relationship that requires a lot
of work, but we do choose to do that every
day for the last eighteen years and it's pretty quite special.
Speaker 2 (26:54):
That is epic. So now you live in Australia and
you touched on before that you work in recruitment. Tell
me what do you do for work? How much money
do you earn?
Speaker 3 (27:04):
So I don't actually work in recruitment, but it is
a portion of my job. I am a studio coordinator
for an architectural practice, architecture studio, so HR, administration, marketing.
It's all portions of the role, which is actually really
exciting because it's fun.
Speaker 2 (27:19):
Yeah, it sounds good.
Speaker 3 (27:20):
Yeah, it makes it quite different. I was the first
non technical staff hired for this company, so also quite
new to them and it's quite new to me, and
I think that brings it to the career change or
career pivot. I earn seventy two thousand per year Parada,
so I work part time and I am lucky enough
(27:42):
to have a very flexible and very supportive environment. Again
something that I had to in the way for myself,
but I'm very lucky that the person that I work
with or the director of the business is very open minded.
So when I came to the interview, I liked what
they were offering. They liked what I was offering, and
the role wasn't work from home, there wasn't a portion
(28:03):
of it. And I put that forward and he said,
you know, I will consider it, and I think we
can make it work. And we've been sort of working
it out together as we go and I have this
approach that and this is what we've sort of agreed
on that I wanted to show my value before I
start asking for any other relaxations or any time support.
(28:23):
And we agree that it needs to be office space
for a period of time for me to really learn
the business. But now I have an opportunity to be
flexible around my children. He has two children, so he
understands it. And it's kind of a bit of a
new world because obviously COVID has opened this opportunity. But
I do have to say it doesn't work for all
(28:45):
the roles in my opinion, because like the architects itself
that actually have to be hands on the design element part.
Speaker 2 (28:51):
Yeah, yeah, yeah, yeah. It's like there are so many
hands on roles where work from home is just not
going to work. But if you're doing admin sometimes I
feel like in your own space and not having any
distractions and just smashing through a whole heap of stuff.
For HR, it's huge. It's so helpful. I need to
work from home so that I don't consistently talk to
my team and I can just lock in and get
(29:13):
work done.
Speaker 3 (29:14):
Absolutely. Look, part of the role is also front of
the office, so I do meet contractors or I meet
people in the industry. So the presence is important, so
we're trying to find the right balance, the balance between
and I'm also a big believer. Let's say we're working
on a project and I'm clogging off for the Christmas
break and I the project is not finished, not due
(29:34):
to my efficiencies, but due to something else, and I said, look,
I'm going to take the laptop home with me. I
want to see this project through. So I'm going to
work this many hours if that's okay with you, and
we're going to finalize it. And I'm going to be
the last set of ice on this being submitted. Let's
say it's an award, you know, it's architectural award. Of
course I want to be the last set of eyes
(29:56):
to on this. If I've already put so much time
in it, that is to me showing a value that
I can actually take the laptop home. I can work,
and I understand the flexibility. So you know, that's the
give and take. And if I'm ever doing a school
drop off and my son has a hard time in
the morning and I'm a fifteen minutes late, that's not
even a mention. It's like, well, you do all the
(30:16):
other things, or you stay fifteen minutes later. It's very
much about the presence and the role and the outcomes,
and that's how I like to look at it.
Speaker 2 (30:25):
Love Well, talk to me, what is your big money goal?
What are you currently working towards.
Speaker 3 (30:30):
We actually had a chat my husband and I about this,
and I think it's important to get on the same
page because even having a side hustle can be really
hard at times. So for this financial yell, next year,
we want to really get a new car, and then
being from Europe, we would like to go back as
a family, which you might imagine is a very expensive
exercise with very rich Just then it last year, we'll
(30:53):
be looking at about thirty five thousand dollars. We were
there for five weeks. It was one hundred percent of time.
Had to pay for accommodation because I don't have the
opportunity to stay with family, and it was a trip
that you do not once in a lifetimee for us
because another thing of being married to someone from Europe
it means that half of the family is away and
(31:14):
also you want these regular touch points. And of course,
one thing I love about my husband is that something
that's never been even a question, he's like absolutely and
he loves being in your old blood.
Speaker 2 (31:26):
Love him. He sounds so wholeset.
Speaker 3 (31:28):
He is fantomic.
Speaker 2 (31:29):
I can't believe he just washed up on a beach
for you.
Speaker 3 (31:32):
I know there was big manifestation, you know. Yeah, So
he's fantastic like that. We spend a lot of time traveling.
Prior to having kids. We had good, solid years together.
We work throughout careers. He's actually changed careers. He is
a lifeguard on the Gold Coast, back on the beach.
He's full time lifeguard and he loves it. He's very
passionate about it. He's a very much a waterman.
Speaker 2 (31:53):
So I've got that can cook well.
Speaker 3 (31:56):
Yeah, I do most of the cooking, but he can
cook very well.
Speaker 1 (31:59):
You can.
Speaker 3 (32:00):
And he's very good at making birthday cakes.
Speaker 2 (32:02):
Oh I love this. Yeah, again, very wholesome.
Speaker 3 (32:07):
We're very much showing our children that it is not
about the mom doing this and a dad doing this.
And my husband's fantastic, Like he's currently taking my daughter
to gymnastics and they love it. They love it, and
then they probably will get something that I wouldn't get
for her, like doughnuts or ice cream. And then like
(32:27):
last week, they spent three and a half hours making
a birthday cake for my son. So he's very much,
you know, taking on the role, very present. Yeah, and
his mom was a single mom for many years before
his stepfather came to the picture, so he had a
really good role modeling there.
Speaker 2 (32:44):
So it's incredible to see as well. And then just
looking back on the money story in the life story
that you've had that type of husband. I don't know,
I'm just looking at the way that you grew up
as a kid and you were never going to accept
you know, cooking for a man and all of that,
Like this was the husband that you hoped to get,
but I don't think you ever could have articulated. And
(33:04):
now looking back, like how do your parents feel about this?
Because this is a man that you know, he's not
from across the street. You didn't marry him because he
lived down the road, Like you didn't go to kindergarten
with him, Like that's a different journey, right, And look.
Speaker 3 (33:18):
My mom did say like did you have to go
that far?
Speaker 2 (33:21):
Like did it have to ide? I had to go
that far? Mom? I'm so sorry.
Speaker 3 (33:25):
Look, my parents absolutely adore him. Obviously, the fact that
we live on the other side of the world. It
wasn't on they manifestation cards, I'm sure, but they love
the way how we are, the love our children, and
going back for the first time with children last year
it was a really great experience. I was a bit
worried about it because I do get a lot of
(33:46):
I'm not speaking flow back to my children. I'm not
bringing them up bilingual, and there has been a little
bit of that. My grandkids want to understand me, but
they so much more that they see their the love
and the way how my husband is like. I just
don't think they could have thought of anyone else for
me in general. They can just really see that, and
(34:07):
they sometimes the fact that they can't understand each other
is not a bad thing. Yeah, you know, and my
husband's always been very open minded. I'm not going to lie.
I was worried about judgment bringing someone to my life
or the way how I grew up. It easily could
have been someone that would like snobbed over and thought
of me lesser because the way I grew up.
Speaker 2 (34:29):
No, And you know what, if they had, they would
have been straight out exactly.
Speaker 3 (34:33):
But my husband sees the best in people and make
them feel really good about everything. They have and I
love that quality in him. Yeah, he does my mum
and has always been very supportive.
Speaker 4 (34:44):
You know.
Speaker 3 (34:44):
We have spent a few years helping her out financially,
and it's never been a question. It would never be
like you can't do that or why. It was always like, absolutely,
that's what we're doing now, exactly, Adore money does. Let's
to a really quick break because on the flip side,
we still need to get through investments and debts and
(35:05):
personal insurance and your best and worst money habits.
Speaker 2 (35:07):
For guys, it don't go anywhere money, Doris. This is
one of my longer episodes, and I have no intention
of cutting this down. I have adored hearing about your
life and what it was like and how things have
changed and how somehow you manifested a man washing up
for you on the beach. But tell me, do you invest?
(35:30):
Is that something that is part of your money story?
Speaker 3 (35:33):
A good question. I have been sitting on the fans
with investing for quite some time and I haven't taken
the first step, but I have set myself up in
a way of having the funds to do it. I
think the analysis paralysis has been keeping me back.
Speaker 2 (35:48):
Oh it's really real, isn't it.
Speaker 3 (35:50):
Yeah, it's there's so much out there. And look, it
is one of the reasons why I started to listen
to your podcast. Or do you have your investing for
kids playlists saved? And that's actually my that's on my
go to do list, Like I really want to invest
for my children because multi generational wealth is something that
I would love to provide and I would love to
start that for my children. And one of the things
(36:12):
I put in the submission was we do the ten
cent refund bottles collection you did started about two years ago,
and I put them into my children's account as well
as transferring ten dollars every week regularly, and we have
jointly about five thousand dollars in that stop it.
Speaker 2 (36:30):
So from doing the ten cent bottle refund, you got
five grands.
Speaker 3 (36:34):
And look, if you do the mass, it's ten cents.
How many bottles, girlfriend, that's a lot of bottle.
Speaker 2 (36:39):
That's where my shock is coming from.
Speaker 3 (36:41):
And look, we again, you sometimes find that when you
do these things, the community aspect of that is actually
so amazing. So we have graining collecting for us. We
have the neighbors they collect for us.
Speaker 2 (36:56):
The community we know.
Speaker 3 (36:58):
Which people love drinking. We always get the wine bottles.
But I also set it up the way I said
to the people, if you are happy to collect them
for us, here is a bag or bin or whatever,
I will collect it. I will make it easy for you.
I don't want it to make it someone else's bird.
Speaker 2 (37:14):
You can come and get mine. I know we don't
live near each other, but you can come and get mine.
I would give them to you. And do you know
what that's a big thing for me to say, because
my nephew's collecting them.
Speaker 3 (37:22):
Well, thank you. I appreciate it. Don't tell you so. Yes,
we have created that and it's been a really great
way to show the kids because I'll tell you what.
They sometimes like, Mommy, I don't want to do that.
And you have to take them to the refund centers.
Speaker 2 (37:35):
Yeah, they have to be part of the actual process,
like you can have to do it for them, like
that's defeating the purpose of teaching them.
Speaker 3 (37:41):
Absolutely. And look my daughter, because obviously I've got the
side business with the dog sitting as well. My daughter says, oh,
there's money, you know money, Mommy, Are we rich? And
I was like, well, what is rich to mean to
you like, if you go to a shop and you
can buy something, or does it mean that you have
to you know, for me, it's starting to talk about
money as an opportunity or means to either have the
(38:04):
lifestyle or the time or the opportunities. That's a really
big thing, and it's the start of it. You know,
once you get to the point where there is excess
amount of money or even just opportunity for money to
create more money, that is exciting. However, I have to
say where I am right now, having a part time job,
two small children, a side business, obviously husband that I
(38:27):
like to spend time.
Speaker 2 (38:28):
It's a lot.
Speaker 3 (38:29):
I do find it quite challenging to keep up with
making the right decision and podcasts have been really helpful.
Speaker 2 (38:36):
And I'm glad.
Speaker 3 (38:37):
Yeah, and I did mention one of the reasons I
started my side househole is because that idea has been
discussed on the podcast and I just felt again it
was just another like I've had this idea before, I've
been thinking about it, I should really do it. And yeah,
I feel like financial literacy is for women such an
important skill to have because it gives you freedom, gives
(39:01):
it confidence, It just pivots you forward so much, and
I just, yeah, I think it's very important.
Speaker 2 (39:08):
I couldn't like you're preaching to the converted.
Speaker 3 (39:10):
Yeah, I know you're telling you you're preaching to the.
Speaker 2 (39:12):
Converted, but it is so true, right, And like I
just keep reflecting on how you've grown up and how
this would never have been part of your narrative, like
the fact that you're teaching your kids about how to
grow their wealth and you're wanting to invest for them,
Like this just is so foreign from the way that
you grew up. It's just so special. Thank you, And
(39:34):
I think that that's really cool. Do you have any debt?
If so, what kinds of debt?
Speaker 3 (39:39):
Yes, so we have a mortgage. We purchased that property
in twenty seventeen and it was our third property in
a sense that we bought sold, bought salt stop.
Speaker 2 (39:47):
Ukme literally to Australia with twenty dollars And now you
are buying properties. But this is your third one.
Speaker 3 (39:55):
Well it's not the third one, that we already have three,
but we would it you've gone through three. Yes, yeah,
And this is again this is very much my husband
educating me, all sort of telling me. Look almost like
this is the Australian dream, right owning a property. Yeah, wow,
what I'm going to be a gypsy and I'm going
to travel and I'm going to live, you know.
Speaker 2 (40:16):
And he's like, yeah, I think we should.
Speaker 3 (40:18):
Come together like this is the next stage. And I
was like, okay, so no more life nom gypsy life.
He's very much the driver. He's also very good with finances,
like he often looks at the loans and the terms
and really understands it. We started with the unit. We
sold the unit with the profit, we bought a duplex,
We sold the duplex with the profit, and then we
(40:40):
bought a house in Miami which is quite you know,
one of the beachside neighborhoods on the Gold Coast, and
we bought it for six hundred and sixty thousand and
we have put ab one hundred and fifty thousand renovations
into it. And due to the COVID and the land
value increasing, we one point seven million.
Speaker 2 (41:01):
Is how much?
Speaker 3 (41:03):
One point seven stop it? Yeah, money win.
Speaker 2 (41:07):
But also just like incredible and is this is this
a house that you're planning on selling and then you
will you move into something else? Or was this the
dream house that you got into.
Speaker 3 (41:18):
When we bought it, it was a two bedroom, one bathroom,
what you would say a beach shack. We've turned it
into three bedroom, one bathroom, but it's very obvious that
it's going to be too small for us at some point.
Speaker 2 (41:30):
How beautiful though, to have that opportunity to sell that
and then move into something else and probably not have
that much of a mortgage on it.
Speaker 3 (41:38):
Yeah, look, that's the dream, that's the goal. Were also
very lucky. We live very close to my husband's family,
which we are very close with, and we are two
hundred meters walk dist into the beach.
Speaker 2 (41:48):
Oh stop that, so it would be very lucky.
Speaker 3 (41:50):
And one thing I mentioned so I did say to you,
I work for an architectural studio. One thing that's been
quite prominent the goal goes is developing. Obviously, so when
you land, yeah there's a lot, you can actually my
street predominantly you knock it down, You build a duplex,
and you sell one, duplex, you keep one, you sell both.
So there is an opportunity to do that, but obviously
(42:11):
you need to be in a financial situation to either
withhold that or you can sell one prior to build.
So there's lots of different options that we are considering.
Speaker 2 (42:19):
Well, if you talked to a good mortgage broker, you
could probably organize the finance on that, especially because I
can tell from the background you've got some good equity
in the property that you currently own.
Speaker 3 (42:29):
Yeah, there is that. We have also reached out probably
about six months ago regarding purchasing investment property, and at
the time my earnings were too low. We really end
up with rough pre approval. It was your stuff. It
was a very much of a reality check. But what
actually happened. She said, if you had any other income
(42:51):
that you would declare, it would make quite a big difference.
So the idea this year was to obviously put through
my side hustle income and that would have dramatically increased
our borrowing capacity. Will however, obviously the budget announcements have
put few spanners in the works. And yeah, I think
for us it's firstly, we're not at the end of
(43:12):
financial year yet, we don't know exactly what the situation
looks like. But what we do know that even with
the increase, we wouldn't be able to purchase one gold coast.
So there are so many things to consider around investing
somewhere else in Australia and how they would potentially impact
our lifestyle and things like going to Europe. I know
they're very much a want, they're very no.
Speaker 2 (43:36):
But that's lifestyle and it's about enjoying the journey, not
just the destination. I think sometimes, especially with social media,
we can get caught up in becoming the richest and
the biggest and the best, and like, that's not necessarily
it like it's connection to your roots, it's connection to
your family, it's sharing that, and like, arguably that's worth more.
Speaker 3 (43:59):
Look, I think, thank you're right. I think that I've
arrived at the realization again probably thanks to my husband,
because I didn't understand what a lifestyle meant. If you
grew up in Eastern Europe, it just works.
Speaker 2 (44:11):
It was survival.
Speaker 3 (44:12):
It was my mom had worked six days a week,
never had time off in school, holidays. I was pretty
much brought up by my grandparents for a lot of times.
It was always a grind. And then my husband, I
actually in my career, had opportunities to work into state
and more money, and I said to him, how do
I do that? I fly back on the weekends and
he's like, no, that's not a lifestyle, and I was like,
(44:34):
what do you mean lifestyle? What is the lifestyles this
lifestyle collecept But now having children actually one thing that's
one of my highest value. It's spending time with them
and quality time. And the side hustle of the dog
sitting actually allows me to do that a lot because
I can take time off in school holidays. In fact,
my bookings usually are at the highest peak because other
(44:56):
people go away, I can stay at home and I
spend time with them. When we're getting paid and I'm
getting paid, often I get paid more than I do
in my actual role, which is that's crazy. It is
the bonus, but it is, you know, a bit of
a balance. And at the end of last year, I
actually had six weeks off over Christmas incredible with my son,
(45:17):
which is I feel so lucky to do from a
sense of My employment allowed me the opportunity to do that,
and I was able to support that time financially through
the side hustle, so that worked really well.
Speaker 2 (45:28):
That's crazy. So tell me, is personal insurance something you've
ever thought about?
Speaker 3 (45:33):
We definitely thought about it, and we started to talk
about it in a little more detail and what that
would meant if one of us got seek or one
of us had a permanent impairment or something like that,
we definitely have discussed it.
Speaker 2 (45:46):
Yeah.
Speaker 3 (45:46):
I also have a cover through my super so obviously
I know it's something that you often ask.
Speaker 2 (45:51):
Yep.
Speaker 3 (45:51):
So I have a death cover, a total and permanent
disability cover, and I also have an income protection through
my super. Ah.
Speaker 2 (45:58):
So there you go, you taking all the boxes.
Speaker 3 (46:01):
Yeah, so, and I've set it up about twenty fourteen,
so that's sort of been ticking over and that's there.
But there's other things that were also interested in and
since having my own business or more so a sole trader,
so just to be very clear, I also have a
business cover. I was very particular about the fact that
(46:21):
one thing with pets is, you know, vet fees are
so high, so incredibly I really wanted to make sure
that if I ever found myself in a situation, I
am covered. So I found one business cover that offered
me what I was after, and I obviously purchased that
too for.
Speaker 2 (46:38):
The smart Yeah yeah, that is so smart. Now tell
me what do you think your best money habit is?
Speaker 3 (46:45):
My best money habit, I would say, is really understanding
value of things and looking for value. So an example
I could give you is, let's say us going on
holiday and having time away. The things that I like
to consider is, do we go away during a week
where the accommodation is cheaper, we'd be staying at the
same place. Could I book stay through places like booking
(47:08):
dot com and get ten percent cash back? Could I
book it through luxure escapes where you know, often you
see the value and how much you pay. Those kind
of deals I would say have actually worked really well
for us. But also I try to understand it really well.
You know, there's other things you're planning for a birthday?
Could you order things online? They're cheaper, but you have
(47:29):
to just do it early enough, you know. And how
it also can eventuate at work is let's say we
want to try a particular function with kenba. Well, Kenma
offers thirty day premium subscription they do. Yeah, yeah, let's
use the thirty days and really see how we make
make the most out of the value. So I like
to think of ways how I could really substract the
(47:53):
value out of things. And also if the value is
showing to be useful and important, obviously you can then
use down the tracks. So, yeah, I like to think.
And I had a career in retail. I worked in
retail for ten years. I do understand how retail products
that's good, So I understand how much help sales refunds. Yeah,
(48:13):
I understand all that. So I very much applied that
knowledge to a lot.
Speaker 2 (48:17):
Of I'm sensed. Do you even have any bad money habits?
What do you think? Your worst is?
Speaker 3 (48:22):
Absolutely?
Speaker 1 (48:22):
Do?
Speaker 3 (48:23):
Oh my worst thing. I'm a Cereal card shopper. I
leave everything in my cards and I just go back
and I look at it and there might be new
deals and I add more things to cards and then
never check them out.
Speaker 2 (48:36):
And I just love doing that because you're not spending
the money.
Speaker 3 (48:39):
Yeah, I love doing that. I also can be impulsive
at times, but I'm learning to be better at it.
Speaker 2 (48:46):
I think it's relatable, though. Who isn't impulsive at times?
And if they're not, what's going on there?
Speaker 3 (48:51):
I wonder what my husband would say my worst habit is.
Speaker 2 (48:54):
I don't know. I have to ask him, let me
call him, I whole ask him. I sh't he would
say anything. I think he would just say, shous fantastic.
She's the best thing ever. She has no bad habits.
Speaker 3 (49:02):
Oh I know, I do have to say that. My
husband would say this about me. I have these ideas
and I was like, let's buy a house, let's buy
investment property, and he would say to you, he's the
one that has to go, Okay, how are we going
to do that?
Speaker 2 (49:18):
Let's get back like you're bringing the ideas to the table.
He's the doing man.
Speaker 3 (49:23):
He's like, do we ever just like you know, like chill,
let's smell the roses, let's enjoy.
Speaker 2 (49:29):
That's my husband. Yeah, that's my husband as well. I'll
be like, so I was thinking and he's like, didn't
you say you were busy? Like, didn't you say that
you were already overwhelmed?
Speaker 3 (49:38):
Yeah, but I was thinking it was yesterday today.
Speaker 2 (49:41):
Yeah, that was yesterday, and I'm over that now. I
would like to do this other today.
Speaker 3 (49:45):
I had a full night sleep and I was thinking
that we should.
Speaker 2 (49:48):
Do this and exactly, and don't you use my own
words against me. That is quite rude.
Speaker 3 (49:53):
Oh yeah, I also like to add things onto his
to do least, which he hates me to do. Yeah. Look,
that's probably would be. But I think having this obviously
the last time my parents probably have paid for anything
relating to my life was probably at eighteen years old.
So having this feeling that I am really steering my
(50:13):
own ship and I am in charge has probably put
me in a situation that I would not go and
buy things. You know, having a joint bank account. My
husband knows that I would not go and spend five
thousand dollars without him knowing. I would never put as
in a jeopardy. I did have it after pay for
quite some time, and I don't have that anymore because again,
it's something that you feel like you need to have
(50:34):
because it's everywhere, and then you tried and it's don't
like the way how it feels, and like the way
how it eventuates, and then you cancel it and and
you're like, Okay, won't do that again. You know, learn
from that.
Speaker 2 (50:46):
Yeah, at the start of this episode, I didn't know
what we're going to get into. Before we even spoke
about your money story, I said, what grade would you
give your money habits? And you said you're aceipt? What
you think that you're a cipt? After achieving all of that,
what would it take for you to get to even
become a bee? Look?
Speaker 3 (51:04):
I think that the investment part. Obviously, having a shared
portfolio would be fantastic. That would be something I would
love to do. I would also love to work on
my career and opportunities even with the side ut so
as a business, to get us to the point where
there is money that goes beyond the sort of the baseline.
(51:25):
So those kind of things I feel would take me
to hire Mark and setting up system where money creates
money because I do definitely still fall in a situation
where money is there, I think about the way to
spend it. Yeah, okay, I would love to reframe my
thinking about think about the way to invest it, or
think about the way how that money could make more money.
(51:47):
I am not there, and I think that takes a
lot more rewiring than you know. I'm just not there
right now. But I think things like your podcast books
speaking to people listening to stories, that's manifest station right there,
because these are people who have actually done it. It
was a podcast of a girl recently, I think she
was like nineteen or twenty one, and her portfolio was
(52:08):
in you know, over one hundred thousand. That to me
is inspiring. I think you think, okay, if she can
do it, surely, you know, I would be able to
learn something from that it applied and hopefully benefit my
life and the life of my family.
Speaker 2 (52:24):
And you are already Like at the start of this episode,
you were like, there's so much privilege and luck. No,
there's not. You did all that, you created all of
your own luck. You're like, you did not grow up
with privilege. You did not grow up with a silver
spoon in your mouth. But you have just done so much.
And just thinking about your children and the work ethic
that you're teaching them might goodness, they are going to
(52:46):
be such wholesome human beings. Like I hope you are
so proud of yourself because this is incredible.
Speaker 3 (52:52):
I hope so, and I appreciate that.
Speaker 2 (52:54):
I can't wait for the community to hear this story.
It's going to be amazing. Money direst, thank you. Thank
you so much for sharing so much of yourself and
your story and your journey and your family's story with me.
It's been a genuine privilege.
Speaker 3 (53:07):
Thank you. I appreciate them. Thanks for your time and
the opportunity to come.
Speaker 2 (53:10):
On a podcast.
Speaker 4 (53:16):
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
(53:36):
your needs. Victoria Divine and She's on the Money are
authorized representatives of money. Sheper pty Ltd ABN three two
one six four nine two seven seven zero eight AFSL
four five one two eight nine
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