July 12, 2026 • 42 mins
A few years ago, she thought she had it all figured out. The house. The fiancé. The wedding. The future she'd spent six years building with the person she thought she'd spend the rest of her life with. Then, on a random Tuesday morning, she got a text message. He was leaving. Just six months before their wedding.
What followed was a blur of heartbreak, a house sale, more than $30,000 in lost wedding deposits, and the very real task of rebuilding a life she never imagined she'd have to start over. But this isn't really a story about what she lost.
It's a story about what happened after. Today she's a qualified dietitian, has over $150,000 in savings, a growing investment portfolio, and a level of financial independence she never knew she was capable of. We chat about combining finances in your early twenties, trusting your gut when something feels off, rebuilding after a major breakup, and why sometimes the plans falling apart end up making space for something much better. By the end of this episode, you'll be rooting for her harder than anyone.
New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you.
Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com)
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289
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Speaker 1 (00:00):
My name is Satasha Bamblet. I'm a proud First Nations
woman and I'm here to acknowledge country t glennyan Ganya, Niana,
Kaka yah y and Binahaka Nian our gay In Mbini,
yakarum jar dominyamiga Umaga Ihowaka nilewaman damind Immlan, Bumba bang
gadaboma in and now in wakah ghana on yakarum jar Watnadaa. Hello,
(00:22):
beautiful friends, we gather on the lands 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.
Speaker 3 (00:51):
Hello, and welcome to She's on the Money, the podcast
that lets you reapa you about other people's money habits
for educational purposes, of course. Welcome back to one of
our money diaries, brought to you by our friends at
Sky Wells, where I get the absolute privilege of sitting
down with one of our incredible She's on the money
community members and talking to them all about their journey.
(01:11):
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. Buckle up. I thought I had my
future secured, a new home, a wedding, and a life
with my fiance. While I was in the thick of
a six month stint of my master's placement. He walked
out on a random Tuesday, leaving me to sell our
(01:33):
house and cancel a wedding that was only six months away.
I lost over thirty thousand dollars in wedding deposits and
almost everything I had spent six years saving for. It
was the world's most expensive lesson in why you should
never consolidate your finances with a man without a backup plan.
But I rebuilt. Since then, I've secured graduate roles, built
(01:54):
a successful career, and achieved financial independence. Today I earn
more than ever, with over one hundred and fifty thousand
dollars saved and twenty grand invested, all in my own name.
Money dorist be so for real?
Speaker 2 (02:08):
It is crazy? What the heck? How? How when where
like oh so many questions. It's so funny like listening
to that and thinking, oh, that was my life at
one point. It's just wild.
Speaker 3 (02:21):
And you know what, I know that you were probably
so excited to marry that man because like, you know,
that was what you were working towards. But now you
look back on it, you're like, thank god he walked out,
Like thank god.
Speaker 2 (02:34):
Yeah, it's so funny, like thinking when you're in it,
it's just your whole world's kind of like crumbling. You're
in almost like a black hole, being swallowed by the world,
and then you come out of it and you're like, oh, Okay,
everything happens for a reason.
Speaker 3 (02:47):
Yeah, that's crazy. Al Right, let's jump into it. First question,
I've got money, Darist. What grade would you give your
money habits? If I asked you to give them a grade.
Speaker 2 (02:55):
I would probably say I'd be a bee no plus.
Speaker 1 (02:59):
No.
Speaker 3 (03:00):
Girl, you've got one hundred and fifty grand saved after
you kicked some men to the curb. And I know
he quote walked out, but like, I just feel like
he's the one missing out here. Tell me a little
bit more about your money story, though. I want the
nitty gritty and the things that impacted it.
Speaker 2 (03:15):
Yeah, So, I mean my money story, I guess starts
like anyone else's money wasn't really spoken about growing up,
but like we had it. It wasn't you know. We
weren't fighting for our lives or anything like that. We
were very lucky. Me and my sister went to a
prestigious private school around the area. And I remember like
(03:36):
seeing my parents, you know, kind of where the same
winter woolies for years and years and years. And I
remember having a conversation. I was just going into year eleven,
and I said, you know, I don't really want to
be here anymore, Like I'm sick of the school. I
don't really. I was very different to everybody else, I
guess because I couldn't do the things that they were
all doing. We didn't really have the money for it.
(03:56):
But I remember my parents saying, you know, if there's
anything that we can give you in life, you know,
we won't give you a brand new car. We're not
going to be able to give you a deposit for
a house or anything like that, but we want to
give you a good education. And looking back on it now,
I'm thinking, like those were their values. You know, it
was good like we we got a good education, we
(04:16):
got a good upbringing. We never struggled, but we also
never really saw the extent of it either. Like I
know that money was there, but then it wasn't there,
but then it was there again. So I guess I
kind of always had that growing up, like I needed
to hold onto money. So I got a job very
very early. I think I was thirteen when I got
(04:37):
my first job at Donut King.
Speaker 3 (04:38):
Yeah, very cool.
Speaker 2 (04:39):
I was making like eight dollars an hour or something ridiculous.
Speaker 3 (04:43):
Yeah, but also like donut King's cool, like that being
a first job, Like I think I would have thought
that you were the coolest kid at school.
Speaker 2 (04:50):
I have unlimited cinnamon donuts. Might see a good deal,
great deal, it was quite good. But yeah, no, I've
never been out of a job since. So I've always
kind of held onto my money. I've always saved and
I did like end up, you know, buying my first car,
achieving all the things that I kind of wanted to do.
And then I had met my ex partner when I
(05:11):
was about eighteen, so I was fresh out of school,
just a baby. Yeah, I was really little. He was
twenty at the time, so we only had a two
year age gap, and I had taken the gap year
to just kind of work a little bit. I was
a bit burned out after you know, the end time
of school, like my school experience. So I was working,
(05:33):
and I remember we sat down and it was probably
from this point on, money kind of became a conversation
that we would have quite often, so it was very
embedded into our relationships, which was, I guess a good thing,
but also turned out to be a bad thing towards
the end because the focus was just always on money.
And we sat down and I was saying, you know,
(05:55):
I really want to buy an investment property, Like that's
what I want to do. That's my next kind of goal.
And he had said, well, you know, like you were
just a baby.
Speaker 4 (06:03):
Yeah I was.
Speaker 2 (06:04):
I guess I just wanted to Like I keep saying that,
but you were so.
Speaker 3 (06:08):
Young, and you're like, Nope, I want to buy an
investment property. That's my goal. Like to me, that's crazy
in the best possible way.
Speaker 2 (06:14):
Yeah, I think I had big dreams, I had big
goals and I was just really motivated. So yeah, he said, oh, well,
let's just let's do it together. And I said, okay, Yeah,
I could do that. He's like, why would you buy
an apartment when you can buy a house, Like we
can go in together, we can it could be great.
So we did.
Speaker 3 (06:31):
We saved, and like in theory, that makes sense if
you were going to be together forever. Like when my husband,
you know, was my boyfriend and he suggested that we
buy a house together, I was like, yeah, great, I
would love to, Like I didn't question it, and I.
Speaker 2 (06:46):
Think like growing up, like my parents never had like
his money, her money, so it was just like normal
to have, you know, Okay, yeah, we'll consolidate all of
our savings. We'll you know, spend the money that we
earned together, like it's not separate. So that's what we did.
We consolidated our finances and we were saving for a
house and COVID hit, so he had ended up moving
(07:06):
into my parents' house. I think like everyone kind of
did at the time, and then we pretty much saved.
So I went back to UNI after my gap year
and I did my undergraduate. I had two jobs at
the time, just kind of like trying to save, and
I always felt like the owners was on me. So
even though he was making quite a bit more than me,
(07:28):
he had his own business. He was a tradee. There
was always the owners was on me. I needed to
put money in, I needed to, you know, still have
money to spend at the end of the week. I
couldn't ask him for money type of thing, if that
makes sense. So yes, I always felt like I had
to work and I was just doing ridiculous hours, Like
I was working at a pub during my time at UNI,
(07:52):
So I would work from five o'clock in the afternoon
to three o'clock in the morning, go to UNI, come home,
do the same thing again.
Speaker 3 (08:00):
Oh my goodness.
Speaker 2 (08:01):
And that was just to save as much money as
I possibly could, you know. So anyways, we ended up
getting engaged, and I think you just always have like
this gut feeling right like we were having problems before,
just like anyone else in a relationship. Black problems exist,
And just before we had got engaged, I remember just
thinking to myself, like, I don't know if I really
want to be with this person for the rest of
(08:22):
my life. Awkward, Yeah, very awkward because within like two
weeks after that, he had proposed to me. So we
went on this really extravagant overseas died.
Speaker 3 (08:35):
What do you do at that point.
Speaker 2 (08:37):
Yeah, literally, I'm like, oh, okay, so I'm not going
to say no obviously, you Like, I think there was
just a very long period of my life between when
I guess from when we got engaged to when we
had split, where it was just constantly, like my gut
saying no. But it was always going to get better,
you know, like we'll get engaged, it'll get better. We'll
buy a house, it'll get better, we'll get married, it'll
(08:59):
get better. Kind of never got better. So, yes, we
got engaged, and then I had started my master's degree,
which was really really intense. It was four days a
week from eight o'clock to four pm. Goodness, So it
was practically a full time job almost.
Speaker 3 (09:17):
Yeah, yeah, of course. So and just like so mentally
demanding as well, Like I think people are quite like
that's not the worst thing in the world, but it's
also just like you're constantly trying to like jump hoops
and learn new tasks. It's not like going to work
nine to five mon day to Friday and you know
how to do those tasks. Like you are consistently learning
(09:38):
something new and your brain is just get overloaded. As
someone who's been there, I get it.
Speaker 2 (09:43):
Yeah, there were so many times I was just thinking,
I don't want to do this anymore, Like I just
I don't have the brain capacity to do it. But
I always wanted to do it. And my professions the
type of profession where if you don't have your master's degree,
you don't have anything, like you can't get a credit
unless you have your master's degree. So I had to
do it. So I would, you know, go to UNI,
(10:06):
come home from UNI, and then go work a five
to three shift at the pub, and then do it
all over again. And he had said to me, all right,
times right, we're getting married in I think it was
probably a year out. We need to buy a house.
So again that like gut feeling, I don't really want
to do it, but we did it anyways. I didn't
want to do it only because the second half of
(10:28):
my degree I had to go and do six months
of clinical placement and then six months of a thesis
as well, So I kind of again had the feeling
of I'm going to have to really work hard. The
onus was on me again. I always felt like I
had to pay. He never, you know, would I guess
offer to pay for anything. So I was thinking okay,
(10:52):
we'll do it. I'll just manage, like I'll just save
it is what it is. So we did, We bought
the house. We went away on a holiday, and I
think things were quite rocky at the time when away
on a holiday, came back and he had said that
he was going to leave, and this was just like
a constant kind of thing, and this time I just said,
(11:14):
you know what, just go, like, just go.
Speaker 3 (11:16):
Like was that something where he was just lauding that
over your head like if you had a fight, he'd
be like, oh, break up with you kind of viable,
Like yeah, like what did that look like?
Speaker 2 (11:25):
We would have a fight and that would just the
bags would come out and it's I'm going and i'd
you know, sit there and go, no, don't leave, Please,
don't leave me, and then yeah, I love you.
Speaker 3 (11:35):
I'm you know, diluted, and also just know.
Speaker 2 (11:38):
What, I know, Yeah, I think I just got to
the point where I was like, you know what, I
just I don't care anymore. Just go. Yeah. So he did.
He left. Funnally enough, came back not that long after,
and we were fined for months. We were good. We
worked things out, you know, our wedding was only six
months away, like, you know, it was all happening. It
(11:59):
was I had spent thirty thousand dollars of my own
money for the deposits on the wedding. He didn't spend
a cent. It was all wine.
Speaker 3 (12:10):
Why wasn't he putting cash into this? Like where was
his contribution and why wasn't that being questioned? So he
owned his own business, so it was the business money,
and then it was our money, and that was it.
Speaker 2 (12:24):
Does that make sense?
Speaker 3 (12:26):
Yes, I kind of get it, But also like, why
wasn't money being taken out of the business for his contributions?
Speaker 2 (12:33):
It just never was. It was just never spoken about.
It was never an option.
Speaker 3 (12:37):
I'm always so suspicious.
Speaker 2 (12:38):
Yeah it was. It was never an option. It was
just like that was the way that it was, you know.
So I did end up spending quite a bit of
money on that wedding. And then yeah, he messaged me
on a Tuesday morning. I remember being in the thick
of placement and it was so exhausting as well, because
again I was working, and then pretty much my Friday, Saturday, Sundays,
(13:01):
I was working again, so I just didn't get a break,
and the first half the week was unpaid anyway, so
I wasn't making any money, and it was all just
going to the house, going to the house, going to
the house. I had no money at this point. After
the deposit was paid for the house, our payments started
coming out for the house, and then all my money
was gone to the wedding. I really had nothing. I
(13:24):
had an emergency fund, which was, I guess a good thing,
but that was only five thousand dollars and it didn't
really get me too far. I remember getting that message
and I looked at my phone and I just ignored it,
and I thought, I'm not dealing with this right now.
The message said, I'm packing my bags. I'll be gone
by this afternoon. Take care of canceling the wedding, and
(13:47):
take care of the sale of the house.
Speaker 3 (13:49):
Where was this man going, Like, why did he get
to walk out? What's going on here? I'm very confused
about his audacity.
Speaker 2 (13:55):
Well, at this point, I don't know. I was blindsided
to this. I still don't really understand it. I don't
understand the capacity.
Speaker 3 (14:02):
I have never explained it.
Speaker 2 (14:04):
No, he just left.
Speaker 3 (14:06):
He just said I'm done. I'm leaving. Also, all of
this is up to you now.
Speaker 2 (14:10):
I mean, the dots kind of connected after the fact,
but yes, at the time, just walked out and I
said that's fine, Like, I'll see you when I get
home and then you can go on your way whatever
you want to do. You want to do, So, yeah,
got home. He asked where the ring was. I told
him he took that, and then he said, are you
(14:31):
able to deal with the wedding and also deal with
the sale of the house. And I said, well no,
I was already embarrassed. Obviously we were so close to
the you know, the wedding happening. Everyone was excited for
this big wedding. And I said, well, no, you can
message all the vendors and cancel it and I'll deal
with the sale of house. That's fine. I'm happy to
(14:53):
deal with that. And yeah, I think the sale of
the house probably took about six months to sell. And
he I wanted to settle on thirty thousand dollars less
than what we paid for it, just to kind of
get it out of the way. And again I said no,
Like he had ruled my life for a very long time.
We were together for six years. Yeah, he had ruled
my life and had to say in so much of
(15:15):
my life for all that time. He wasn't getting a
say in this, and I wasn't going to lose the
money that I had saved my whole entire life, or
like it just wasn't happening.
Speaker 3 (15:25):
I'm so proud of you for maintaining that, because it
would have been so easy to just be like fine,
get out, like.
Speaker 2 (15:31):
Yeah, yeah, well, there was definitely times where I was thinking,
like I just want it gone and I want to
finish it. But I ended up sticking to my guns,
and we did end up selling it for a little
bit more than what we paid, but I pretty much
just got Yeah, I just got kind of what I
had walked in with. So I did end up losing
out of money in that sense in terms of like
(15:52):
prepaying the mortgage, etc. But I did end up getting
that money back because at the time I had literally nothing.
I was doing a six month place and I had
nothing to my name, and I had burnt through my
emergency savings so quick. So it was kind of good
to see that money and cut the ties.
Speaker 3 (16:08):
Yeah, totally, but yes, but also just like what the
heck is going through this man's mind, Like, don't get
me wrong, like clearly things weren't perfect, but to just
pull the pin and be like you have to deal
with this to me is like low caig phrazy.
Speaker 2 (16:23):
Yeah. I mean again to this day, I don't know
and I'll never know. I mean, you know, he did
end up moving in Have.
Speaker 3 (16:31):
You speculated is there someone else? Like that's the first
thing I thought of.
Speaker 2 (16:34):
Yeah, So he was actually living in my family home.
So we had bought the house with the I guess
assumption that we were going to move into it, and
we got the first home buyers grant yep, so we
didn't move into it. We were thinking, okay, on the
eleventh kind of month, we can move into it and
not have to pay stamp duty. So that was the plan.
(16:55):
So we were living at my parents' house because you know,
we were obviously kind of saving for a wedding, paying
for them all. I was also on placement as well,
and that man was never going to give me crazy,
he was never going to give me money to like
survive or anything. So about two months later, I want
to say, he ended up moving out of his mom's
home into his now girlfriend's family home as well. So interesting,
(17:20):
it's just like the cycle repeats.
Speaker 3 (17:23):
Yeah that I was like, what's going on here? Like
how is this working? Because like there has to be
something going on in the background for that to have
been like such a clean like not clean, but like
for him to be like, all right, I'm done full stop.
If you'd gone back and forth for so long, like yeah, oh,
why are they like this?
Speaker 2 (17:42):
I don't know. I don't know. Look, honestly, it's just
it's probably the biggest blessing in disguise. I remember being
a thousand.
Speaker 3 (17:49):
Percent like you've dodged a bullet. But tell me a
little bit more about this concept of you losing all
of this, like you know, deposit money, but him not
having to recoup that. Did you ever say all right,
well you owe me half or did you just let
it go like what happened there?
Speaker 2 (18:05):
I honestly, there was so much back and forth and
he was always right where it was just like exhausting
to me. I didn't even bother with it, like he
was always right no matter what I said, he was
always right. I didn't want to get like mediation. I
didn't want to have to go into depth with everything.
I was willing to just cut my losses and leave
because I remember my mum saying to me, she said,
(18:28):
would you be happy to kind of, you know, be
embarrassed because you never had this big wedding that everyone
was hoping for, Or are you happier that you didn't
have this wedding that everyone attended, that everyone celebrated, and
then you got divorced, you know, two weeks three weeks later.
Speaker 3 (18:45):
Oh, she's so right, But it's so hard to see
that in the moment, right because you're just like, oh
my god, I'm letting these people down. And I don't
think if we asked anybody who was invited too your wedding,
do you feel that down? They would have been like no,
like I'm so glad that they're doing what's right for them,
Like nobody would have felt that way. But you do
in that moment, I'm sure.
Speaker 2 (19:03):
Of course. I Mean I had my whole life sorted,
I had the house I had, you know, I was
just about to finish my degree. I had what I
thought was the perfect man, I had all my ducks
in a row, and then all of a sudden everything
was this is crazy.
Speaker 3 (19:16):
So he's like still negotiating settlement of this house with
you and sale price while living at a new girl's house.
Yeah yeah, and queen, you can keep him like you
can keep him like I promise. I'm not looking at
your man because like nobody should be.
Speaker 2 (19:34):
No, And I'm just like I'm happy to not have
a leech, like I'm happy for him to leach off
another female that will support him.
Speaker 3 (19:43):
Yuck. I feel bad for her me too, but I
mean it is what it is, really what you pick
your poison exactly, exactly. Oh my goodness, money, Darius, do
I want to know what do you do for work
now and how much money do you earn?
Speaker 2 (19:57):
So I only graduated a few few months ago, November
last year. Congrat So exciting, Yeah, really exciting. It was
six years too long. So I'm now an accredited practicing dietitian. Ah,
very cool. Yes, Yes, I work between a few jobs
just because it's really hard in the industry, like the
jobs are pretty far and few between, and especially full
(20:20):
time roles as well. You'll most likely find dietitians that
do have quite a number of roles and it just
makes up the full time week. So I work in
the community three days a week, and then I work
private practice two days a week, and then I'm a
contractor on the weekends as well in a GP clinic.
Speaker 3 (20:41):
So you're still just hustling and working your butt off.
Speaker 2 (20:45):
Yeah. Again, I think I have like this fear of
just never having money again. Ye fair, like what I
said before, Like I just always need to like hold
it tight. I mean, I respect it, but I also
don't want you to burn yourself out. Tell me how
much money you taking home for all of that. So
for my like my full time role, between the two jobs,
(21:06):
I make about ninety five thousand a year, which is
for a graduate dietitian. Quite good.
Speaker 3 (21:12):
Now, that's very good, my queen.
Speaker 2 (21:13):
Yeah, I got super lucky with the roles that I got,
and then with my contracting role, it's ad hoc, so
some days I might be taking in you know, like
five hundred dollars for the day, and then other days
I might only make eighty dollars. So yeah, okay, it's
dependent on the referrals.
Speaker 3 (21:30):
Yeah that's crazy. But also like so good, and what's
the plan because like, obviously you come into this industry,
you've worked your butt off, you've done your master's and
you're kind of still in that like grad mode. But
do you have a like I want to own my
own practice or you want to like go completely you know,
private practice, or what's the plan.
Speaker 2 (21:50):
Yeah, I think one day I would really love to
kind of have my own practice, have a bunch of
people working with me, create my own team. The market is, however,
very saturated, so I think most of the time, everyone
would be happy listening to, you know, an influencer online
that doesn't really have a degree or anything, because everyone eats.
Speaker 3 (22:10):
Everyone knows what to be, don't I hate you?
Speaker 2 (22:12):
Yea, So it would be good. That is kind of
the goal. But yeah, at the moment, I'm just kind
of building up my clinical skills as best as I
can to become a good dietitian eventually.
Speaker 3 (22:24):
And are you leaning into that social side to kind
of build a clientele out or what does that look
like for you?
Speaker 2 (22:31):
Yeah, I guess in my contractor role, because I work
kind of under my own business name, Like it's very separate.
Even though I work in the same clinic, it's very separate.
I have my own identity there and my own company.
I think kind of building up that clientele, building up
that name for now is a good kind of stepping stone.
And then I guess, you know, in a few years
down the track, hopefully my goal becomes a reality.
Speaker 3 (22:55):
It totally will. And it always is so disheartening when
like an it's the reality right when you say something like, oh, well,
you know, lots of people would prefer to following influencer,
and it drives me insane because it's.
Speaker 2 (23:08):
Like, what do they know?
Speaker 3 (23:10):
Like they're saying things with conviction, and it's getting you
in trouble, Like I'm known about you and you probably
shouldn't agree to me in this moment. But I feel
like all of the influences right now that a drop
in health and beauty stuff are really promoting heroin chic
as like a body aesthetic or and that's just not
what it should be about. Like we've come so far,
(23:30):
like in being strong and being women and eating the
right stuff, and now it's just like we're going backwards.
So we need more people like you to have voices
that can be amplified to keep us happy and to
keep us healthy and to put U say in the
best possible position, because listening to influencers is horrific. Like
I find myself even when I'm talking about my journey,
(23:51):
I'll be like, I am not a doctor, but this
is what I'm doing. Please do not listen to me.
All I know is money. Like, I've got my finance degrees,
I've got business degree, like I know what I'm talking
about there, and I've even got a couple of psychology degrees.
We can talk about that. Anything outside of that, I'm
not a professional. Stop asking me. Like you want to
talk about food, go to a dietitian, go and talk
(24:12):
to our money darrist.
Speaker 2 (24:13):
Like.
Speaker 3 (24:14):
I cannot tell you how frustrating it is when people
are like, can you do a day on a plate?
Speaker 2 (24:19):
No?
Speaker 3 (24:19):
Absolutely, I cannot, Like I cannot do a day on
a plate, because not only would it not be the
right thing to share, it would set like you know,
unrealistic expectations. Not because I eat too much, not because
I eat too little, all of that, but like, that's
crazy to think that I would become an influencer to
influence what people are eating it a day. Get me
out of here, exact, get me out.
Speaker 2 (24:41):
A lot of my job is literally just debunking the
latest nutrition myth on the internet, so it's quite fee.
Speaker 3 (24:48):
I have this gorgeous natural path that I see probably monthly, Zoe.
If you guys follow me on socials who would have
sent me a tagor a heap of times. But I
like am always going to her and you know, chatting
about my health, doing bloods, doing everything properly. But then
I'm like, what about this? Like, oh, have you heard
of Ozmpic? Everyone's talking about it, but she's just like
(25:09):
we're trying to sit down, like this is crazy, and
like we get to have these good conversations about what's
going on, and it just really reiterates to me, like,
do not listen to influences, listen to people who are
actually educated, Like did you not just hear how much
our money diarist was slaving away to make sure she
has the knowledge to put people first. That's who we
(25:29):
want to be. Championing drives me insane. My love drives
me to sane. Let's move on from that, because I
want to know what are your big money goals? Because
obviously getting back on your feet financially was a big
money goal. Sorry, there's one hundred and fifty thousand dollars
in your savings right now, so I feel like we've
achieved that. Yeah, what's next? What are you currently working towards?
Speaker 2 (25:49):
I mean, even though I'm very, very scarred. I would
like to get an investment property again.
Speaker 3 (25:55):
Well that's not a bad thing though, Like that's just
an asset class. We just don't want to buy with
a douchebag partner who's going to move in with a girl.
They told you not to worry about, you know.
Speaker 2 (26:05):
Yeah, so I think if I do do it, it'll
definitely be alone. But yeah, I just want to make
sure that I guess I'm very secure able to you know,
pay the mortgages, do everything that I need to do. Again,
I feel like I have this kind of mentality. It's
like it's never enough, like I need to have money
because you just never know when you're going to need it.
(26:26):
So I guess eventually I will look into securing my
next kind of investment property.
Speaker 3 (26:33):
But that's really exciting. All right, let's go to a
really quick break and on the flip side, I want
to know a little bit more about this investment property
journey and what it could look like. I want to
talk about debt and how you feel about it, and
then we're going to talk about best and worst money habits.
So guys, it don't go anywhere money varies do. We
are back and I want to talk a little bit
(26:54):
more about investments, because you said, Hey, I'm not that
scarred when it comes to investment property. The man. Sure,
but like the investment property, I probably would get straight
back into bed with one of those tell me about
the plan. There is that something that you're like, Look, VI,
I just know I want to do it. I haven't
got a plan, or are you kind of working towards
having a specific deposit saved or where are we with that?
Speaker 2 (27:17):
I mean, at the moment, I'm just kind of plodding along.
I guess because I worked so hard, I pretty much
rebuilt the last six months of my life, probably a
little bit more. I've been rebuilding kind of all of
that money back and going from having nothing in my
bank account to you know, the sale of the property
coming through, and then kind of rebuilding my finances up
(27:38):
from there. I think probably within the next year or so,
I'll look into buying a property.
Speaker 3 (27:43):
Oh that's exciting and so soon.
Speaker 2 (27:45):
Yeah, no magic number, like I'm not looking to you know,
hit two hundred thousand or anything like that. But I
think just when I'm ready, when I feel ready to
do it, I'll do it.
Speaker 3 (27:54):
I have no doubt you'll hit two hundred pounds. It
sounds like you are hustling and hustling hard. Are you
investing in any other way?
Speaker 2 (28:02):
Yes, I am. I do you have a comsex account
so I have. I checked this morning. It was actually
twenty thousand, four hundred and ninety three dollars thus far.
Oh I can't.
Speaker 3 (28:13):
And how long have you been investing? What made you
dive in first?
Speaker 2 (28:17):
She's on the money.
Speaker 3 (28:19):
I stopped it. You did not have to say that,
but I'm glad that we're all putting ourselves first.
Speaker 2 (28:25):
I've literally got all of the books.
Speaker 3 (28:27):
Do you actually?
Speaker 2 (28:28):
That was so sweet.
Speaker 3 (28:29):
It makes me want to cry when people are like,
I've got your books, I'm like, what do you mean?
Like I thought it was just my mum who bought those.
Speaker 2 (28:36):
So I bought them as well. I have them. My
dad also helped as well, so I did go to
him after kind of listening to a lot of the
podcast I guess around kind of investing and things like that. Yeah,
and I went to him, and I started off with
a comsex pocket, so I think I probably put like
two hundred dollars into that made and then my dad,
(28:58):
who's an accountant, I went to him and I was like,
I want to start investing. Can you kind of tell
me what I should do, not necessarily what I should
invest in or anything.
Speaker 3 (29:08):
And he was probably like money, darrist, I've been telling
you this for years, and you were h yeah, but
I've listened to this podcast. And he was like, I
don't care about your podcast. I have been telling you
for years. Why didn't you listen to you? And You're like, no,
you never told me. That's crazy, Dad, No.
Speaker 2 (29:21):
He really did. He's like, I've been saying this, if
you invested X amount, you know, in five years at
four percent.
Speaker 3 (29:27):
Sorry, Dad, you're just too male. I'm sorry. We're not
here to listen to men about how to run our world.
So it's just not going to resonate. I don't need
make my own accountant father, as you probably already know
if you read my book. I'm sorry, Dad, I love you,
but I'm not going to be listening.
Speaker 2 (29:42):
No, it doesn't make spect.
Speaker 3 (29:43):
It just it wasn't even a choice. It was subconscious.
Speaker 2 (29:46):
It's like when he would sit at the table with
me every night after dinner and do my Musk's homework
with me, and I would just go, nah, I can't
listen to not making any sense. So oh.
Speaker 3 (29:56):
I wrote about that in my book as well, and
how I used to sit at the dining with my
dad and he'd be trying to teach me times tables
and I would cry, I know, like I would sit
there crying and he would be like, no, Victoria, you're
not getting out of this by crying. You are sitting
here and doing it. So I'd be sobbing and be
like five times five.
Speaker 2 (30:13):
It's so funny because I swear my life was exactly
the same. But no, he he told me kind of
how it worked so individually investing into different stocks, and
just from that point I did my own research. I
sat on it for a little while, Like I probably
sat on a couple stocks that I watched for about
three months or so. Yeah, did a bit of you know,
(30:35):
research and stuff, and then I did end up kind
of picking a couple stocks to invest in, and then
ever since then, I've just picked other stocks to invest.
Speaker 3 (30:44):
In, so which we love, which we genuinely love. Like
I feel like sometimes it does take a little bit
of sitting and a little bit of planning, Like it's
never you listen to one podcast and then did it
and if you did I'm confused, like, how did you
just get the confidence because I didn't even have the
confidence to do that.
Speaker 2 (31:01):
No, it was very confused, Like.
Speaker 3 (31:02):
Me, it's insane. I need to step back and make
decisions slowly.
Speaker 2 (31:07):
Yeah, I'm the same. I needed to just sit on
it for a while and understand it. Before I kind
of did invest in individual stocks, especially like blue chips
and things like that, I didn't really understand.
Speaker 3 (31:17):
Yeah, that's so exciting. And is that something where over
time you're going to be investing more or are we
really prioritizing getting into an investment property like or are
you just like V I'm just doing whatever feels good
right now.
Speaker 2 (31:29):
No. Well, I try to put aside each week about
one hundred dollars depending on kind of like my pay
that week, and then I just kind of wait until
I'm ready to buy a certain stock or buy more
of a stock that I've currently already got. That's kind
of how I work.
Speaker 3 (31:45):
I love that, all right. Tell me about debt. Do
you have any debts? Have you ever had any debt?
I feel I feel like I know the answer to this.
Speaker 2 (31:51):
No. At the moment, the only debt that I've got
is my ex debt, which is I think. So I
paid off my first undergraduate degree, so I've just got
my mom sitting in there. I think at the moment
it's like twenty thousand maybe yep, yeah, yep.
Speaker 3 (32:05):
And you planning on paying it off or you very
happy with that? What's your approach.
Speaker 2 (32:09):
I've been thinking about paying it off, but I'm happy
to just kind of write it out for the next
couple of years and again just say invest and then
maybe when I'm in a better financial situation, I will
pay it off.
Speaker 3 (32:21):
We'll see how we go, totally. So tell me a
bit more about personal insurances because you are quite young.
Is this something I mean, you've read my books, so
you know how important I think this is. But is
this something that you've set up or organized or even
thought about yet.
Speaker 2 (32:36):
No, I don't have any personal insurance, but I have
been thinking about it, doing it through my super But yes,
I don't have any currently. I think definitely something to
ponder about. It is important. I just don't have any.
Speaker 3 (32:50):
I think it's very important and you definitely should. But
that is okay, that's something that could definitely take you
from a B to an A overnight. I reckon tell
me a bit more. I feel like you're going to
have some pretty good money habits. You don't go from
losing literally everything that you'd saved for and you know,
and losing all your wedding deposits to have one hundred
and fifty grand saved without some good money habits. So
(33:11):
what do you think is your best money habit?
Speaker 2 (33:13):
My best money habit, And I've been doing this since
my first job. As soon as I get paid, I
pretty much put a certain amount into savings, an emergency fund,
my car expenses. I have a whole range of different
accounts that I allocate, and then I'll leave myself my
budget for the week. Once you know that budget is gone,
(33:35):
I mean, I try and budget as much as I can,
but once it's gone, it's gone. So I like practically
will live off two minute noodles if I have to.
Speaker 3 (33:42):
And I mean that's a good thing. But where does
that discipline come from? Have you always had that or
are you just like, no, I don't want to spend
any more money, or I don't want to, you know,
go above them. I don't know how do you get
that mentality? Because so many people just don't have it right,
They just go No, I could never do that, Like,
I wouldn't. I wouldn't sacrifice that.
Speaker 2 (34:00):
Yeah, I really don't know, Like I just pretty much
from the first paycheck I got I started doing it.
No one told me to do it. I just I
did it, and I've just been doing it for pretty
much my whole working life.
Speaker 3 (34:14):
Yeah, And I think that that's like, honestly relatively healthy
as long as it's not like restrictive in every other
part of your life. But I'm also like, how do
people just know this and then other people don't, Like,
obviously it's part of your money stories, but like, which
part how do we teach this?
Speaker 2 (34:29):
I'm not too sure. Again, I think it was just
because growing up money wasn't scarce. However, we did have
periods where we didn't have money. So I think again,
it's just I hold onto whatever money I can, And
I guess that's probably going into my worst money habit.
That is, that's probably my So what is your worst
money habit? I think again, probably just holding onto all
(34:53):
my money and being scared and I guess being stung
in the past now that's probably made that a little
bit more heightened and substand It's like I can't lose
my money, like I've been there before now and it
scares me. So it's like I can't not have any money,
if you know what I mean.
Speaker 3 (35:08):
Yeah, that's kind of scary. But also what does that
mean in the future, Like have you found a new partner?
Is that something that you're interested in? Like how do
we move forward once somebody has like kind of just
been like, oh, by the way, I'm out. Also you
work it out. Also you're up for all of these costs,
like that would scare me off.
Speaker 2 (35:27):
Yeah, I do have a new partner.
Speaker 3 (35:29):
Actually, yay, Well I'm glad.
Speaker 2 (35:32):
Yeah, he's great, he's unreal. He has spoken to me
about consolidating our finances. But I'm just like very scarred.
It's not happening, absolutely not, sir. So for now, it's
my money or money, And yeah, I guess somewhere down
the line, if I feel comfortable doing it, then I
may probably not all of my finances like I did prior,
but it may be something that, you know, down the line,
(35:55):
we do end up doing. But yes, I think my
scarcity kind of mindset do need to work on. It's
something that I know I need to work on. But
it's just a matter of I don't really know how
to do it because it's so engraved in me.
Speaker 3 (36:08):
Yeah, tell me a little bit more about this scarcity
mindset and how you feel like it's holding you back,
because I think a lot of the time people are like, oh, well,
a scarcity mindset is really bad, but sometimes it can
be a good and a bad thing. And I'm not
trying to reframe it to be good because clearly you're like, there,
I want to work on this, but like, can you
tell me a bit more about where you feel like
that's holding you back.
Speaker 2 (36:29):
I mean, it's not necessarily holding me back from anything,
but there is definitely times where say I've you know,
blown my budget for the week, where I do have
fifteen dollars left at the end of the week. My
friends might say like, hey, let's you know, go out
for dinner or something, and I'm like, no, so I
do kind of miss out on things I would, you know,
obviously like to kind of lengthen that out a little
(36:52):
bit or try and work on ways that I can,
you know, maybe extend my budget to allocate fun things.
But I've sound really boring actually now that I'm talking,
no sound boring.
Speaker 3 (37:05):
I think you sound relatable because so many of us
are going, like, you know, we don't know have one
hundred and fifty grand saved, but so many of us
are like, oh, that's holding me back off?
Speaker 1 (37:14):
But is it?
Speaker 2 (37:15):
But isn't it?
Speaker 3 (37:16):
Like life is stressful my friends, like so many of
us are just trying to get by, and then we
identify things that we're like, oh, I'm struggling with that.
But I also have never heard someone say that they're struggling,
especially around money. Like how many times have you heard
someone outside of the She's on the Money and like
the podcast Money Space, say oh, I'm really struggling with
(37:36):
my scarcity mindset. It's holding me back from creating wealth
or creating happiness. Like these aren't questions that we know
the answers to, Like we just don't. So I think
it's so important that we talk about this and go,
what about that is holding you back or you know
what's going on? And you're saying, hey, Vey, well not
really holding me back, but I am missing out on
(37:56):
like life experiences with my friends, and like that's what
I would want to build. Wow, how insightful is that
for us to know? And how insightful. Is it that
somebody gets to listen to this money story and go
hold on? That's how I'm feeling. That's crazy, Like I
thought it was just me, Like I think it's just
really special.
Speaker 2 (38:15):
Yeah, it's good, but it's also not good at the
same time. So I'd like to get to a good,
happy meeting. I do get it. I do get it.
So tell me.
Speaker 3 (38:26):
Now that we've spoken, I feel like you're a bit
of a weapon. Also, you just like you've gotten back up,
dusted yourself off, and been like, I actually don't need that, man,
I'll just get a newer, better one. And then you
did like be so for real, like that is a
hot girl move. Now that we've spoken, do you really
feel like you are just to be?
Speaker 1 (38:48):
Like?
Speaker 3 (38:48):
I don't know what would make you an a? What
do you have to do to get to become an
a given you're so young and have so much ahead
of you.
Speaker 2 (38:56):
I don't know. Actually, I think probably to become an
it would mean that I do have I guess better,
I guess relationships in terms of money where it's not
like I'm constantly holding onto it, and you know, it's
something that I constantly think about. I just don't have
enough of like, and I think that's the thing. I'll
(39:17):
never have enough of it no matter what my goal is,
no matter what I reach, it will never be enough
to me. So I think that is probably the only
thing kind of holding me back at the moment. It's
like a blessing and a curse really, But that's.
Speaker 3 (39:32):
Also not the worst thing. But it does sound like
maybe it's not a I have to save more, I
have to buy an investment property for me. It sounds
a little bit more around your money mindset and like
feeling comfortable and like getting really comfort in this relationship
that you're now in about how you manage money moving forward,
because you just don't want that to be something that
you know Lord's over you for the rest of it ever,
(39:54):
Like I just feel like that could be all all
consuming and overwhelming, right, Yeah, exactly, no, And that's not
the worst thing to want to work on, right, And
like I talk a lot about it in my books,
as you would probably know. So I'm going to gift
you my money masterclass to do because as much as
it's just a budget, right, it's also got so many
videos about money mindset and getting on the same page
(40:17):
and like feeling confident with money, and I just think
that you might benefit from that and if that even
pushes you to a B plus, I would love that.
Speaker 2 (40:26):
I would love that too. Thank you. I appreciate the door.
Speaker 3 (40:30):
Oh I'm glad. I was worried that you'd be like
no V, like I already have it.
Speaker 2 (40:34):
Or I was going to buy it, like probably two
months ago. I was like I'm going to buy it,
and then I didn't end up doing it.
Speaker 3 (40:42):
I think, well, I'm glad you did it because you've
just saved and like I'll gift it to you as
a little bit of a thank you for doing the
money don't with me, because I'm like, hold on, this
would really work for you, and like I think you'll
find the budget, like the actual spreadsheet really empowering as well,
especially if you're trying to like plan out what's next
or where you're going and what that looks like. I'm
excited for you to do it, but I'm also just
(41:02):
really grateful that I've had the opportunity to do this
money diary with you and like share a bit of
your story and you know, throw some mean words around
about your expert from my side, not yours. I were
very respectful, and you know what, maybe no one's broken
up with me like that because they just know that
I would be savage, like I'd be so rude, like
(41:24):
I'd get canceled.
Speaker 2 (41:25):
No one cancels Victoria to more.
Speaker 3 (41:26):
They've tried, and you know.
Speaker 2 (41:28):
What, pop off.
Speaker 3 (41:29):
Sometimes they're right. Sometimes I need to pull my head in.
But at least I'm honest.
Speaker 2 (41:33):
You know, not on my watch. No, it's not happening.
I appreciate you.
Speaker 3 (41:37):
It has been an absolute pleasure. Thank you so much
for joining us.
Speaker 2 (41:40):
Thanks for having me.
Speaker 4 (41:46):
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
(42:06):
your needs. Victoria Divine and She's on the Money are
authorized representatives of Money sherper P T y lt D
A b N three two one six four nine two
seven seven zero eight AFS L four five one two
eight nine
My name is Satasha Bamblet. I'm a proud First Nations
woman and I'm here to acknowledge country t glennyan Ganya, Niana,
Kaka yah y and Binahaka Nian our gay In Mbini,
yakarum jar dominyamiga Umaga Ihowaka nilewaman damind Immlan, Bumba bang
gadaboma in and now in wakah ghana on yakarum jar Watnadaa. Hello,
(00:22):
beautiful friends, we gather on the lands 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.
Speaker 3 (00:51):
Hello, and welcome to She's on the Money, the podcast
that lets you reapa you about other people's money habits
for educational purposes, of course. Welcome back to one of
our money diaries, brought to you by our friends at
Sky Wells, where I get the absolute privilege of sitting
down with one of our incredible She's on the money
community members and talking to them all about their journey.
(01:11):
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. Buckle up. I thought I had my
future secured, a new home, a wedding, and a life
with my fiance. While I was in the thick of
a six month stint of my master's placement. He walked
out on a random Tuesday, leaving me to sell our
(01:33):
house and cancel a wedding that was only six months away.
I lost over thirty thousand dollars in wedding deposits and
almost everything I had spent six years saving for. It
was the world's most expensive lesson in why you should
never consolidate your finances with a man without a backup plan.
But I rebuilt. Since then, I've secured graduate roles, built
(01:54):
a successful career, and achieved financial independence. Today I earn
more than ever, with over one hundred and fifty thousand
dollars saved and twenty grand invested, all in my own name.
Money dorist be so for real?
Speaker 2 (02:08):
It is crazy? What the heck? How? How when where
like oh so many questions. It's so funny like listening
to that and thinking, oh, that was my life at
one point. It's just wild.
Speaker 3 (02:21):
And you know what, I know that you were probably
so excited to marry that man because like, you know,
that was what you were working towards. But now you
look back on it, you're like, thank god he walked out,
Like thank god.
Speaker 2 (02:34):
Yeah, it's so funny, like thinking when you're in it,
it's just your whole world's kind of like crumbling. You're
in almost like a black hole, being swallowed by the world,
and then you come out of it and you're like, oh, Okay,
everything happens for a reason.
Speaker 3 (02:47):
Yeah, that's crazy. Al Right, let's jump into it. First question,
I've got money, Darist. What grade would you give your
money habits? If I asked you to give them a grade.
Speaker 2 (02:55):
I would probably say I'd be a bee no plus.
Speaker 1 (02:59):
No.
Speaker 3 (03:00):
Girl, you've got one hundred and fifty grand saved after
you kicked some men to the curb. And I know
he quote walked out, but like, I just feel like
he's the one missing out here. Tell me a little
bit more about your money story, though. I want the
nitty gritty and the things that impacted it.
Speaker 2 (03:15):
Yeah, So, I mean my money story, I guess starts
like anyone else's money wasn't really spoken about growing up,
but like we had it. It wasn't you know. We
weren't fighting for our lives or anything like that. We
were very lucky. Me and my sister went to a
prestigious private school around the area. And I remember like
(03:36):
seeing my parents, you know, kind of where the same
winter woolies for years and years and years. And I
remember having a conversation. I was just going into year eleven,
and I said, you know, I don't really want to
be here anymore, Like I'm sick of the school. I
don't really. I was very different to everybody else, I
guess because I couldn't do the things that they were
all doing. We didn't really have the money for it.
(03:56):
But I remember my parents saying, you know, if there's
anything that we can give you in life, you know,
we won't give you a brand new car. We're not
going to be able to give you a deposit for
a house or anything like that, but we want to
give you a good education. And looking back on it now,
I'm thinking, like those were their values. You know, it
was good like we we got a good education, we
(04:16):
got a good upbringing. We never struggled, but we also
never really saw the extent of it either. Like I
know that money was there, but then it wasn't there,
but then it was there again. So I guess I
kind of always had that growing up, like I needed
to hold onto money. So I got a job very
very early. I think I was thirteen when I got
(04:37):
my first job at Donut King.
Speaker 3 (04:38):
Yeah, very cool.
Speaker 2 (04:39):
I was making like eight dollars an hour or something ridiculous.
Speaker 3 (04:43):
Yeah, but also like donut King's cool, like that being
a first job, Like I think I would have thought
that you were the coolest kid at school.
Speaker 2 (04:50):
I have unlimited cinnamon donuts. Might see a good deal,
great deal, it was quite good. But yeah, no, I've
never been out of a job since. So I've always
kind of held onto my money. I've always saved and
I did like end up, you know, buying my first car,
achieving all the things that I kind of wanted to do.
And then I had met my ex partner when I
(05:11):
was about eighteen, so I was fresh out of school,
just a baby. Yeah, I was really little. He was
twenty at the time, so we only had a two
year age gap, and I had taken the gap year
to just kind of work a little bit. I was
a bit burned out after you know, the end time
of school, like my school experience. So I was working,
(05:33):
and I remember we sat down and it was probably
from this point on, money kind of became a conversation
that we would have quite often, so it was very
embedded into our relationships, which was, I guess a good thing,
but also turned out to be a bad thing towards
the end because the focus was just always on money.
And we sat down and I was saying, you know,
(05:55):
I really want to buy an investment property, Like that's
what I want to do. That's my next kind of goal.
And he had said, well, you know, like you were
just a baby.
Speaker 4 (06:03):
Yeah I was.
Speaker 2 (06:04):
I guess I just wanted to Like I keep saying that,
but you were so.
Speaker 3 (06:08):
Young, and you're like, Nope, I want to buy an
investment property. That's my goal. Like to me, that's crazy
in the best possible way.
Speaker 2 (06:14):
Yeah, I think I had big dreams, I had big
goals and I was just really motivated. So yeah, he said, oh, well,
let's just let's do it together. And I said, okay, Yeah,
I could do that. He's like, why would you buy
an apartment when you can buy a house, Like we
can go in together, we can it could be great.
So we did.
Speaker 3 (06:31):
We saved, and like in theory, that makes sense if
you were going to be together forever. Like when my husband,
you know, was my boyfriend and he suggested that we
buy a house together, I was like, yeah, great, I
would love to, Like I didn't question it, and I.
Speaker 2 (06:46):
Think like growing up, like my parents never had like
his money, her money, so it was just like normal
to have, you know, Okay, yeah, we'll consolidate all of
our savings. We'll you know, spend the money that we
earned together, like it's not separate. So that's what we did.
We consolidated our finances and we were saving for a
house and COVID hit, so he had ended up moving
(07:06):
into my parents' house. I think like everyone kind of
did at the time, and then we pretty much saved.
So I went back to UNI after my gap year
and I did my undergraduate. I had two jobs at
the time, just kind of like trying to save, and
I always felt like the owners was on me. So
even though he was making quite a bit more than me,
(07:28):
he had his own business. He was a tradee. There
was always the owners was on me. I needed to
put money in, I needed to, you know, still have
money to spend at the end of the week. I
couldn't ask him for money type of thing, if that
makes sense. So yes, I always felt like I had
to work and I was just doing ridiculous hours, Like
I was working at a pub during my time at UNI,
(07:52):
So I would work from five o'clock in the afternoon
to three o'clock in the morning, go to UNI, come home,
do the same thing again.
Speaker 3 (08:00):
Oh my goodness.
Speaker 2 (08:01):
And that was just to save as much money as
I possibly could, you know. So anyways, we ended up
getting engaged, and I think you just always have like
this gut feeling right like we were having problems before,
just like anyone else in a relationship. Black problems exist,
And just before we had got engaged, I remember just
thinking to myself, like, I don't know if I really
want to be with this person for the rest of
(08:22):
my life. Awkward, Yeah, very awkward because within like two
weeks after that, he had proposed to me. So we
went on this really extravagant overseas died.
Speaker 3 (08:35):
What do you do at that point.
Speaker 2 (08:37):
Yeah, literally, I'm like, oh, okay, so I'm not going
to say no obviously, you Like, I think there was
just a very long period of my life between when
I guess from when we got engaged to when we
had split, where it was just constantly, like my gut
saying no. But it was always going to get better,
you know, like we'll get engaged, it'll get better. We'll
buy a house, it'll get better, we'll get married, it'll
(08:59):
get better. Kind of never got better. So, yes, we
got engaged, and then I had started my master's degree,
which was really really intense. It was four days a
week from eight o'clock to four pm. Goodness, So it
was practically a full time job almost.
Speaker 3 (09:17):
Yeah, yeah, of course. So and just like so mentally
demanding as well, Like I think people are quite like
that's not the worst thing in the world, but it's
also just like you're constantly trying to like jump hoops
and learn new tasks. It's not like going to work
nine to five mon day to Friday and you know
how to do those tasks. Like you are consistently learning
(09:38):
something new and your brain is just get overloaded. As
someone who's been there, I get it.
Speaker 2 (09:43):
Yeah, there were so many times I was just thinking,
I don't want to do this anymore, Like I just
I don't have the brain capacity to do it. But
I always wanted to do it. And my professions the
type of profession where if you don't have your master's degree,
you don't have anything, like you can't get a credit
unless you have your master's degree. So I had to
do it. So I would, you know, go to UNI,
(10:06):
come home from UNI, and then go work a five
to three shift at the pub, and then do it
all over again. And he had said to me, all right,
times right, we're getting married in I think it was
probably a year out. We need to buy a house.
So again that like gut feeling, I don't really want
to do it, but we did it anyways. I didn't
want to do it only because the second half of
(10:28):
my degree I had to go and do six months
of clinical placement and then six months of a thesis
as well, So I kind of again had the feeling
of I'm going to have to really work hard. The
onus was on me again. I always felt like I
had to pay. He never, you know, would I guess
offer to pay for anything. So I was thinking okay,
(10:52):
we'll do it. I'll just manage, like I'll just save
it is what it is. So we did, We bought
the house. We went away on a holiday, and I
think things were quite rocky at the time when away
on a holiday, came back and he had said that
he was going to leave, and this was just like
a constant kind of thing, and this time I just said,
(11:14):
you know what, just go, like, just go.
Speaker 3 (11:16):
Like was that something where he was just lauding that
over your head like if you had a fight, he'd
be like, oh, break up with you kind of viable,
Like yeah, like what did that look like?
Speaker 2 (11:25):
We would have a fight and that would just the
bags would come out and it's I'm going and i'd
you know, sit there and go, no, don't leave, Please,
don't leave me, and then yeah, I love you.
Speaker 3 (11:35):
I'm you know, diluted, and also just know.
Speaker 2 (11:38):
What, I know, Yeah, I think I just got to
the point where I was like, you know what, I
just I don't care anymore. Just go. Yeah. So he did.
He left. Funnally enough, came back not that long after,
and we were fined for months. We were good. We
worked things out, you know, our wedding was only six
months away, like, you know, it was all happening. It
(11:59):
was I had spent thirty thousand dollars of my own
money for the deposits on the wedding. He didn't spend
a cent. It was all wine.
Speaker 3 (12:10):
Why wasn't he putting cash into this? Like where was
his contribution and why wasn't that being questioned? So he
owned his own business, so it was the business money,
and then it was our money, and that was it.
Speaker 2 (12:24):
Does that make sense?
Speaker 3 (12:26):
Yes, I kind of get it, But also like, why
wasn't money being taken out of the business for his contributions?
Speaker 2 (12:33):
It just never was. It was just never spoken about.
It was never an option.
Speaker 3 (12:37):
I'm always so suspicious.
Speaker 2 (12:38):
Yeah it was. It was never an option. It was
just like that was the way that it was, you know.
So I did end up spending quite a bit of
money on that wedding. And then yeah, he messaged me
on a Tuesday morning. I remember being in the thick
of placement and it was so exhausting as well, because
again I was working, and then pretty much my Friday, Saturday, Sundays,
(13:01):
I was working again, so I just didn't get a break,
and the first half the week was unpaid anyway, so
I wasn't making any money, and it was all just
going to the house, going to the house, going to
the house. I had no money at this point. After
the deposit was paid for the house, our payments started
coming out for the house, and then all my money
was gone to the wedding. I really had nothing. I
(13:24):
had an emergency fund, which was, I guess a good thing,
but that was only five thousand dollars and it didn't
really get me too far. I remember getting that message
and I looked at my phone and I just ignored it,
and I thought, I'm not dealing with this right now.
The message said, I'm packing my bags. I'll be gone
by this afternoon. Take care of canceling the wedding, and
(13:47):
take care of the sale of the house.
Speaker 3 (13:49):
Where was this man going, Like, why did he get
to walk out? What's going on here? I'm very confused
about his audacity.
Speaker 2 (13:55):
Well, at this point, I don't know. I was blindsided
to this. I still don't really understand it. I don't
understand the capacity.
Speaker 3 (14:02):
I have never explained it.
Speaker 2 (14:04):
No, he just left.
Speaker 3 (14:06):
He just said I'm done. I'm leaving. Also, all of
this is up to you now.
Speaker 2 (14:10):
I mean, the dots kind of connected after the fact,
but yes, at the time, just walked out and I
said that's fine, Like, I'll see you when I get
home and then you can go on your way whatever
you want to do. You want to do, So, yeah,
got home. He asked where the ring was. I told
him he took that, and then he said, are you
(14:31):
able to deal with the wedding and also deal with
the sale of the house. And I said, well no,
I was already embarrassed. Obviously we were so close to
the you know, the wedding happening. Everyone was excited for
this big wedding. And I said, well, no, you can
message all the vendors and cancel it and I'll deal
with the sale of house. That's fine. I'm happy to
(14:53):
deal with that. And yeah, I think the sale of
the house probably took about six months to sell. And
he I wanted to settle on thirty thousand dollars less
than what we paid for it, just to kind of
get it out of the way. And again I said no,
Like he had ruled my life for a very long time.
We were together for six years. Yeah, he had ruled
my life and had to say in so much of
(15:15):
my life for all that time. He wasn't getting a
say in this, and I wasn't going to lose the
money that I had saved my whole entire life, or
like it just wasn't happening.
Speaker 3 (15:25):
I'm so proud of you for maintaining that, because it
would have been so easy to just be like fine,
get out, like.
Speaker 2 (15:31):
Yeah, yeah, well, there was definitely times where I was thinking,
like I just want it gone and I want to
finish it. But I ended up sticking to my guns,
and we did end up selling it for a little
bit more than what we paid, but I pretty much
just got Yeah, I just got kind of what I
had walked in with. So I did end up losing
out of money in that sense in terms of like
(15:52):
prepaying the mortgage, etc. But I did end up getting
that money back because at the time I had literally nothing.
I was doing a six month place and I had
nothing to my name, and I had burnt through my
emergency savings so quick. So it was kind of good
to see that money and cut the ties.
Speaker 3 (16:08):
Yeah, totally, but yes, but also just like what the
heck is going through this man's mind, Like, don't get
me wrong, like clearly things weren't perfect, but to just
pull the pin and be like you have to deal
with this to me is like low caig phrazy.
Speaker 2 (16:23):
Yeah. I mean again to this day, I don't know
and I'll never know. I mean, you know, he did
end up moving in Have.
Speaker 3 (16:31):
You speculated is there someone else? Like that's the first
thing I thought of.
Speaker 2 (16:34):
Yeah, So he was actually living in my family home.
So we had bought the house with the I guess
assumption that we were going to move into it, and
we got the first home buyers grant yep, so we
didn't move into it. We were thinking, okay, on the
eleventh kind of month, we can move into it and
not have to pay stamp duty. So that was the plan.
(16:55):
So we were living at my parents' house because you know,
we were obviously kind of saving for a wedding, paying
for them all. I was also on placement as well,
and that man was never going to give me crazy,
he was never going to give me money to like
survive or anything. So about two months later, I want
to say, he ended up moving out of his mom's
home into his now girlfriend's family home as well. So interesting,
(17:20):
it's just like the cycle repeats.
Speaker 3 (17:23):
Yeah that I was like, what's going on here? Like
how is this working? Because like there has to be
something going on in the background for that to have
been like such a clean like not clean, but like
for him to be like, all right, I'm done full stop.
If you'd gone back and forth for so long, like yeah, oh,
why are they like this?
Speaker 2 (17:42):
I don't know. I don't know. Look, honestly, it's just
it's probably the biggest blessing in disguise. I remember being
a thousand.
Speaker 3 (17:49):
Percent like you've dodged a bullet. But tell me a
little bit more about this concept of you losing all
of this, like you know, deposit money, but him not
having to recoup that. Did you ever say all right,
well you owe me half or did you just let
it go like what happened there?
Speaker 2 (18:05):
I honestly, there was so much back and forth and
he was always right where it was just like exhausting
to me. I didn't even bother with it, like he
was always right no matter what I said, he was
always right. I didn't want to get like mediation. I
didn't want to have to go into depth with everything.
I was willing to just cut my losses and leave
because I remember my mum saying to me, she said,
(18:28):
would you be happy to kind of, you know, be
embarrassed because you never had this big wedding that everyone
was hoping for, Or are you happier that you didn't
have this wedding that everyone attended, that everyone celebrated, and
then you got divorced, you know, two weeks three weeks later.
Speaker 3 (18:45):
Oh, she's so right, But it's so hard to see
that in the moment, right because you're just like, oh
my god, I'm letting these people down. And I don't
think if we asked anybody who was invited too your wedding,
do you feel that down? They would have been like no,
like I'm so glad that they're doing what's right for them,
Like nobody would have felt that way. But you do
in that moment, I'm sure.
Speaker 2 (19:03):
Of course. I Mean I had my whole life sorted,
I had the house I had, you know, I was
just about to finish my degree. I had what I
thought was the perfect man, I had all my ducks
in a row, and then all of a sudden everything
was this is crazy.
Speaker 3 (19:16):
So he's like still negotiating settlement of this house with
you and sale price while living at a new girl's house.
Yeah yeah, and queen, you can keep him like you
can keep him like I promise. I'm not looking at
your man because like nobody should be.
Speaker 2 (19:34):
No, And I'm just like I'm happy to not have
a leech, like I'm happy for him to leach off
another female that will support him.
Speaker 3 (19:43):
Yuck. I feel bad for her me too, but I
mean it is what it is, really what you pick
your poison exactly, exactly. Oh my goodness, money, Darius, do
I want to know what do you do for work
now and how much money do you earn?
Speaker 2 (19:57):
So I only graduated a few few months ago, November
last year. Congrat So exciting, Yeah, really exciting. It was
six years too long. So I'm now an accredited practicing dietitian. Ah,
very cool. Yes, Yes, I work between a few jobs
just because it's really hard in the industry, like the
jobs are pretty far and few between, and especially full
(20:20):
time roles as well. You'll most likely find dietitians that
do have quite a number of roles and it just
makes up the full time week. So I work in
the community three days a week, and then I work
private practice two days a week, and then I'm a
contractor on the weekends as well in a GP clinic.
Speaker 3 (20:41):
So you're still just hustling and working your butt off.
Speaker 2 (20:45):
Yeah. Again, I think I have like this fear of
just never having money again. Ye fair, like what I
said before, Like I just always need to like hold
it tight. I mean, I respect it, but I also
don't want you to burn yourself out. Tell me how
much money you taking home for all of that. So
for my like my full time role, between the two jobs,
(21:06):
I make about ninety five thousand a year, which is
for a graduate dietitian. Quite good.
Speaker 3 (21:12):
Now, that's very good, my queen.
Speaker 2 (21:13):
Yeah, I got super lucky with the roles that I got,
and then with my contracting role, it's ad hoc, so
some days I might be taking in you know, like
five hundred dollars for the day, and then other days
I might only make eighty dollars. So yeah, okay, it's
dependent on the referrals.
Speaker 3 (21:30):
Yeah that's crazy. But also like so good, and what's
the plan because like, obviously you come into this industry,
you've worked your butt off, you've done your master's and
you're kind of still in that like grad mode. But
do you have a like I want to own my
own practice or you want to like go completely you know,
private practice, or what's the plan.
Speaker 2 (21:50):
Yeah, I think one day I would really love to
kind of have my own practice, have a bunch of
people working with me, create my own team. The market is, however,
very saturated, so I think most of the time, everyone
would be happy listening to, you know, an influencer online
that doesn't really have a degree or anything, because everyone eats.
Speaker 3 (22:10):
Everyone knows what to be, don't I hate you?
Speaker 2 (22:12):
Yea, So it would be good. That is kind of
the goal. But yeah, at the moment, I'm just kind
of building up my clinical skills as best as I
can to become a good dietitian eventually.
Speaker 3 (22:24):
And are you leaning into that social side to kind
of build a clientele out or what does that look
like for you?
Speaker 2 (22:31):
Yeah, I guess in my contractor role, because I work
kind of under my own business name, Like it's very separate.
Even though I work in the same clinic, it's very separate.
I have my own identity there and my own company.
I think kind of building up that clientele, building up
that name for now is a good kind of stepping stone.
And then I guess, you know, in a few years
down the track, hopefully my goal becomes a reality.
Speaker 3 (22:55):
It totally will. And it always is so disheartening when
like an it's the reality right when you say something like, oh, well,
you know, lots of people would prefer to following influencer,
and it drives me insane because it's.
Speaker 2 (23:08):
Like, what do they know?
Speaker 3 (23:10):
Like they're saying things with conviction, and it's getting you
in trouble, Like I'm known about you and you probably
shouldn't agree to me in this moment. But I feel
like all of the influences right now that a drop
in health and beauty stuff are really promoting heroin chic
as like a body aesthetic or and that's just not
what it should be about. Like we've come so far,
(23:30):
like in being strong and being women and eating the
right stuff, and now it's just like we're going backwards.
So we need more people like you to have voices
that can be amplified to keep us happy and to
keep us healthy and to put U say in the
best possible position, because listening to influencers is horrific. Like
I find myself even when I'm talking about my journey,
(23:51):
I'll be like, I am not a doctor, but this
is what I'm doing. Please do not listen to me.
All I know is money. Like, I've got my finance degrees,
I've got business degree, like I know what I'm talking
about there, and I've even got a couple of psychology degrees.
We can talk about that. Anything outside of that, I'm
not a professional. Stop asking me. Like you want to
talk about food, go to a dietitian, go and talk
(24:12):
to our money darrist.
Speaker 2 (24:13):
Like.
Speaker 3 (24:14):
I cannot tell you how frustrating it is when people
are like, can you do a day on a plate?
Speaker 2 (24:19):
No?
Speaker 3 (24:19):
Absolutely, I cannot, Like I cannot do a day on
a plate, because not only would it not be the
right thing to share, it would set like you know,
unrealistic expectations. Not because I eat too much, not because
I eat too little, all of that, but like, that's
crazy to think that I would become an influencer to
influence what people are eating it a day. Get me
out of here, exact, get me out.
Speaker 2 (24:41):
A lot of my job is literally just debunking the
latest nutrition myth on the internet, so it's quite fee.
Speaker 3 (24:48):
I have this gorgeous natural path that I see probably monthly, Zoe.
If you guys follow me on socials who would have
sent me a tagor a heap of times. But I
like am always going to her and you know, chatting
about my health, doing bloods, doing everything properly. But then
I'm like, what about this? Like, oh, have you heard
of Ozmpic? Everyone's talking about it, but she's just like
(25:09):
we're trying to sit down, like this is crazy, and
like we get to have these good conversations about what's
going on, and it just really reiterates to me, like,
do not listen to influences, listen to people who are
actually educated, Like did you not just hear how much
our money diarist was slaving away to make sure she
has the knowledge to put people first. That's who we
(25:29):
want to be. Championing drives me insane. My love drives
me to sane. Let's move on from that, because I
want to know what are your big money goals? Because
obviously getting back on your feet financially was a big
money goal. Sorry, there's one hundred and fifty thousand dollars
in your savings right now, so I feel like we've
achieved that. Yeah, what's next? What are you currently working towards?
Speaker 2 (25:49):
I mean, even though I'm very, very scarred. I would
like to get an investment property again.
Speaker 3 (25:55):
Well that's not a bad thing though, Like that's just
an asset class. We just don't want to buy with
a douchebag partner who's going to move in with a girl.
They told you not to worry about, you know.
Speaker 2 (26:05):
Yeah, so I think if I do do it, it'll
definitely be alone. But yeah, I just want to make
sure that I guess I'm very secure able to you know,
pay the mortgages, do everything that I need to do. Again,
I feel like I have this kind of mentality. It's
like it's never enough, like I need to have money
because you just never know when you're going to need it.
(26:26):
So I guess eventually I will look into securing my
next kind of investment property.
Speaker 3 (26:33):
But that's really exciting. All right, let's go to a
really quick break and on the flip side, I want
to know a little bit more about this investment property
journey and what it could look like. I want to
talk about debt and how you feel about it, and
then we're going to talk about best and worst money habits.
So guys, it don't go anywhere money varies do. We
are back and I want to talk a little bit
(26:54):
more about investments, because you said, Hey, I'm not that
scarred when it comes to investment property. The man. Sure,
but like the investment property, I probably would get straight
back into bed with one of those tell me about
the plan. There is that something that you're like, Look, VI,
I just know I want to do it. I haven't
got a plan, or are you kind of working towards
having a specific deposit saved or where are we with that?
Speaker 2 (27:17):
I mean, at the moment, I'm just kind of plodding along.
I guess because I worked so hard, I pretty much
rebuilt the last six months of my life, probably a
little bit more. I've been rebuilding kind of all of
that money back and going from having nothing in my
bank account to you know, the sale of the property
coming through, and then kind of rebuilding my finances up
(27:38):
from there. I think probably within the next year or so,
I'll look into buying a property.
Speaker 3 (27:43):
Oh that's exciting and so soon.
Speaker 2 (27:45):
Yeah, no magic number, like I'm not looking to you know,
hit two hundred thousand or anything like that. But I
think just when I'm ready, when I feel ready to
do it, I'll do it.
Speaker 3 (27:54):
I have no doubt you'll hit two hundred pounds. It
sounds like you are hustling and hustling hard. Are you
investing in any other way?
Speaker 2 (28:02):
Yes, I am. I do you have a comsex account
so I have. I checked this morning. It was actually
twenty thousand, four hundred and ninety three dollars thus far.
Oh I can't.
Speaker 3 (28:13):
And how long have you been investing? What made you
dive in first?
Speaker 2 (28:17):
She's on the money.
Speaker 3 (28:19):
I stopped it. You did not have to say that,
but I'm glad that we're all putting ourselves first.
Speaker 2 (28:25):
I've literally got all of the books.
Speaker 3 (28:27):
Do you actually?
Speaker 2 (28:28):
That was so sweet.
Speaker 3 (28:29):
It makes me want to cry when people are like,
I've got your books, I'm like, what do you mean?
Like I thought it was just my mum who bought those.
Speaker 2 (28:36):
So I bought them as well. I have them. My
dad also helped as well, so I did go to
him after kind of listening to a lot of the
podcast I guess around kind of investing and things like that. Yeah,
and I went to him, and I started off with
a comsex pocket, so I think I probably put like
two hundred dollars into that made and then my dad,
(28:58):
who's an accountant, I went to him and I was like,
I want to start investing. Can you kind of tell
me what I should do, not necessarily what I should
invest in or anything.
Speaker 3 (29:08):
And he was probably like money, darrist, I've been telling
you this for years, and you were h yeah, but
I've listened to this podcast. And he was like, I
don't care about your podcast. I have been telling you
for years. Why didn't you listen to you? And You're like, no,
you never told me. That's crazy, Dad, No.
Speaker 2 (29:21):
He really did. He's like, I've been saying this, if
you invested X amount, you know, in five years at
four percent.
Speaker 3 (29:27):
Sorry, Dad, you're just too male. I'm sorry. We're not
here to listen to men about how to run our world.
So it's just not going to resonate. I don't need
make my own accountant father, as you probably already know
if you read my book. I'm sorry, Dad, I love you,
but I'm not going to be listening.
Speaker 2 (29:42):
No, it doesn't make spect.
Speaker 3 (29:43):
It just it wasn't even a choice. It was subconscious.
Speaker 2 (29:46):
It's like when he would sit at the table with
me every night after dinner and do my Musk's homework
with me, and I would just go, nah, I can't
listen to not making any sense. So oh.
Speaker 3 (29:56):
I wrote about that in my book as well, and
how I used to sit at the dining with my
dad and he'd be trying to teach me times tables
and I would cry, I know, like I would sit
there crying and he would be like, no, Victoria, you're
not getting out of this by crying. You are sitting
here and doing it. So I'd be sobbing and be
like five times five.
Speaker 2 (30:13):
It's so funny because I swear my life was exactly
the same. But no, he he told me kind of
how it worked so individually investing into different stocks, and
just from that point I did my own research. I
sat on it for a little while, Like I probably
sat on a couple stocks that I watched for about
three months or so. Yeah, did a bit of you know,
(30:35):
research and stuff, and then I did end up kind
of picking a couple stocks to invest in, and then
ever since then, I've just picked other stocks to invest.
Speaker 3 (30:44):
In, so which we love, which we genuinely love. Like
I feel like sometimes it does take a little bit
of sitting and a little bit of planning, Like it's
never you listen to one podcast and then did it
and if you did I'm confused, like, how did you
just get the confidence because I didn't even have the
confidence to do that.
Speaker 2 (31:01):
No, it was very confused, Like.
Speaker 3 (31:02):
Me, it's insane. I need to step back and make
decisions slowly.
Speaker 2 (31:07):
Yeah, I'm the same. I needed to just sit on
it for a while and understand it. Before I kind
of did invest in individual stocks, especially like blue chips
and things like that, I didn't really understand.
Speaker 3 (31:17):
Yeah, that's so exciting. And is that something where over
time you're going to be investing more or are we
really prioritizing getting into an investment property like or are
you just like V I'm just doing whatever feels good
right now.
Speaker 2 (31:29):
No. Well, I try to put aside each week about
one hundred dollars depending on kind of like my pay
that week, and then I just kind of wait until
I'm ready to buy a certain stock or buy more
of a stock that I've currently already got. That's kind
of how I work.
Speaker 3 (31:45):
I love that, all right. Tell me about debt. Do
you have any debts? Have you ever had any debt?
I feel I feel like I know the answer to this.
Speaker 2 (31:51):
No. At the moment, the only debt that I've got
is my ex debt, which is I think. So I
paid off my first undergraduate degree, so I've just got
my mom sitting in there. I think at the moment
it's like twenty thousand maybe yep, yeah, yep.
Speaker 3 (32:05):
And you planning on paying it off or you very
happy with that? What's your approach.
Speaker 2 (32:09):
I've been thinking about paying it off, but I'm happy
to just kind of write it out for the next
couple of years and again just say invest and then
maybe when I'm in a better financial situation, I will
pay it off.
Speaker 3 (32:21):
We'll see how we go, totally. So tell me a
bit more about personal insurances because you are quite young.
Is this something I mean, you've read my books, so
you know how important I think this is. But is
this something that you've set up or organized or even
thought about yet.
Speaker 2 (32:36):
No, I don't have any personal insurance, but I have
been thinking about it, doing it through my super But yes,
I don't have any currently. I think definitely something to
ponder about. It is important. I just don't have any.
Speaker 3 (32:50):
I think it's very important and you definitely should. But
that is okay, that's something that could definitely take you
from a B to an A overnight. I reckon tell
me a bit more. I feel like you're going to
have some pretty good money habits. You don't go from
losing literally everything that you'd saved for and you know,
and losing all your wedding deposits to have one hundred
and fifty grand saved without some good money habits. So
(33:11):
what do you think is your best money habit?
Speaker 2 (33:13):
My best money habit, And I've been doing this since
my first job. As soon as I get paid, I
pretty much put a certain amount into savings, an emergency fund,
my car expenses. I have a whole range of different
accounts that I allocate, and then I'll leave myself my
budget for the week. Once you know that budget is gone,
(33:35):
I mean, I try and budget as much as I can,
but once it's gone, it's gone. So I like practically
will live off two minute noodles if I have to.
Speaker 3 (33:42):
And I mean that's a good thing. But where does
that discipline come from? Have you always had that or
are you just like, no, I don't want to spend
any more money, or I don't want to, you know,
go above them. I don't know how do you get
that mentality? Because so many people just don't have it right,
They just go No, I could never do that, Like,
I wouldn't. I wouldn't sacrifice that.
Speaker 2 (34:00):
Yeah, I really don't know, Like I just pretty much
from the first paycheck I got I started doing it.
No one told me to do it. I just I
did it, and I've just been doing it for pretty
much my whole working life.
Speaker 3 (34:14):
Yeah, And I think that that's like, honestly relatively healthy
as long as it's not like restrictive in every other
part of your life. But I'm also like, how do
people just know this and then other people don't, Like,
obviously it's part of your money stories, but like, which
part how do we teach this?
Speaker 2 (34:29):
I'm not too sure. Again, I think it was just
because growing up money wasn't scarce. However, we did have
periods where we didn't have money. So I think again,
it's just I hold onto whatever money I can, And
I guess that's probably going into my worst money habit.
That is, that's probably my So what is your worst
money habit? I think again, probably just holding onto all
(34:53):
my money and being scared and I guess being stung
in the past now that's probably made that a little
bit more heightened and substand It's like I can't lose
my money, like I've been there before now and it
scares me. So it's like I can't not have any money,
if you know what I mean.
Speaker 3 (35:08):
Yeah, that's kind of scary. But also what does that
mean in the future, Like have you found a new partner?
Is that something that you're interested in? Like how do
we move forward once somebody has like kind of just
been like, oh, by the way, I'm out. Also you
work it out. Also you're up for all of these costs,
like that would scare me off.
Speaker 2 (35:27):
Yeah, I do have a new partner.
Speaker 3 (35:29):
Actually, yay, Well I'm glad.
Speaker 2 (35:32):
Yeah, he's great, he's unreal. He has spoken to me
about consolidating our finances. But I'm just like very scarred.
It's not happening, absolutely not, sir. So for now, it's
my money or money, And yeah, I guess somewhere down
the line, if I feel comfortable doing it, then I
may probably not all of my finances like I did prior,
but it may be something that, you know, down the line,
(35:55):
we do end up doing. But yes, I think my
scarcity kind of mindset do need to work on. It's
something that I know I need to work on. But
it's just a matter of I don't really know how
to do it because it's so engraved in me.
Speaker 3 (36:08):
Yeah, tell me a little bit more about this scarcity
mindset and how you feel like it's holding you back,
because I think a lot of the time people are like, oh, well,
a scarcity mindset is really bad, but sometimes it can
be a good and a bad thing. And I'm not
trying to reframe it to be good because clearly you're like, there,
I want to work on this, but like, can you
tell me a bit more about where you feel like
that's holding you back.
Speaker 2 (36:29):
I mean, it's not necessarily holding me back from anything,
but there is definitely times where say I've you know,
blown my budget for the week, where I do have
fifteen dollars left at the end of the week. My
friends might say like, hey, let's you know, go out
for dinner or something, and I'm like, no, so I
do kind of miss out on things I would, you know,
obviously like to kind of lengthen that out a little
(36:52):
bit or try and work on ways that I can,
you know, maybe extend my budget to allocate fun things.
But I've sound really boring actually now that I'm talking,
no sound boring.
Speaker 3 (37:05):
I think you sound relatable because so many of us
are going, like, you know, we don't know have one
hundred and fifty grand saved, but so many of us
are like, oh, that's holding me back off?
Speaker 1 (37:14):
But is it?
Speaker 2 (37:15):
But isn't it?
Speaker 3 (37:16):
Like life is stressful my friends, like so many of
us are just trying to get by, and then we
identify things that we're like, oh, I'm struggling with that.
But I also have never heard someone say that they're struggling,
especially around money. Like how many times have you heard
someone outside of the She's on the Money and like
the podcast Money Space, say oh, I'm really struggling with
(37:36):
my scarcity mindset. It's holding me back from creating wealth
or creating happiness. Like these aren't questions that we know
the answers to, Like we just don't. So I think
it's so important that we talk about this and go,
what about that is holding you back or you know
what's going on? And you're saying, hey, Vey, well not
really holding me back, but I am missing out on
(37:56):
like life experiences with my friends, and like that's what
I would want to build. Wow, how insightful is that
for us to know? And how insightful. Is it that
somebody gets to listen to this money story and go
hold on? That's how I'm feeling. That's crazy, Like I
thought it was just me, Like I think it's just
really special.
Speaker 2 (38:15):
Yeah, it's good, but it's also not good at the
same time. So I'd like to get to a good,
happy meeting. I do get it. I do get it.
So tell me.
Speaker 3 (38:26):
Now that we've spoken, I feel like you're a bit
of a weapon. Also, you just like you've gotten back up,
dusted yourself off, and been like, I actually don't need that, man,
I'll just get a newer, better one. And then you
did like be so for real, like that is a
hot girl move. Now that we've spoken, do you really
feel like you are just to be?
Speaker 1 (38:48):
Like?
Speaker 3 (38:48):
I don't know what would make you an a? What
do you have to do to get to become an
a given you're so young and have so much ahead
of you.
Speaker 2 (38:56):
I don't know. Actually, I think probably to become an
it would mean that I do have I guess better,
I guess relationships in terms of money where it's not
like I'm constantly holding onto it, and you know, it's
something that I constantly think about. I just don't have
enough of like, and I think that's the thing. I'll
(39:17):
never have enough of it no matter what my goal is,
no matter what I reach, it will never be enough
to me. So I think that is probably the only
thing kind of holding me back at the moment. It's
like a blessing and a curse really, But that's.
Speaker 3 (39:32):
Also not the worst thing. But it does sound like
maybe it's not a I have to save more, I
have to buy an investment property for me. It sounds
a little bit more around your money mindset and like
feeling comfortable and like getting really comfort in this relationship
that you're now in about how you manage money moving forward,
because you just don't want that to be something that
you know Lord's over you for the rest of it ever,
(39:54):
Like I just feel like that could be all all
consuming and overwhelming, right, Yeah, exactly, no, And that's not
the worst thing to want to work on, right, And
like I talk a lot about it in my books,
as you would probably know. So I'm going to gift
you my money masterclass to do because as much as
it's just a budget, right, it's also got so many
videos about money mindset and getting on the same page
(40:17):
and like feeling confident with money, and I just think
that you might benefit from that and if that even
pushes you to a B plus, I would love that.
Speaker 2 (40:26):
I would love that too. Thank you. I appreciate the door.
Speaker 3 (40:30):
Oh I'm glad. I was worried that you'd be like
no V, like I already have it.
Speaker 2 (40:34):
Or I was going to buy it, like probably two
months ago. I was like I'm going to buy it,
and then I didn't end up doing it.
Speaker 3 (40:42):
I think, well, I'm glad you did it because you've
just saved and like I'll gift it to you as
a little bit of a thank you for doing the
money don't with me, because I'm like, hold on, this
would really work for you, and like I think you'll
find the budget, like the actual spreadsheet really empowering as well,
especially if you're trying to like plan out what's next
or where you're going and what that looks like. I'm
excited for you to do it, but I'm also just
(41:02):
really grateful that I've had the opportunity to do this
money diary with you and like share a bit of
your story and you know, throw some mean words around
about your expert from my side, not yours. I were
very respectful, and you know what, maybe no one's broken
up with me like that because they just know that
I would be savage, like I'd be so rude, like
(41:24):
I'd get canceled.
Speaker 2 (41:25):
No one cancels Victoria to more.
Speaker 3 (41:26):
They've tried, and you know.
Speaker 2 (41:28):
What, pop off.
Speaker 3 (41:29):
Sometimes they're right. Sometimes I need to pull my head in.
But at least I'm honest.
Speaker 2 (41:33):
You know, not on my watch. No, it's not happening.
I appreciate you.
Speaker 3 (41:37):
It has been an absolute pleasure. Thank you so much
for joining us.
Speaker 2 (41:40):
Thanks for having me.
Speaker 4 (41:46):
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
(42:06):
your needs. Victoria Divine and She's on the Money are
authorized representatives of Money sherper P T y lt D
A b N three two one six four nine two
seven seven zero eight AFS L four five one two
eight nine
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