She's On The Money - 21, Investing Aggressively and Watching Everyone Else Spend Their Paycheck

Starting point is 00:00:00 My name is Natasha Bamblett, I'm a proud First Nations woman, and I'm here to acknowledge country. Ti, gilinyan ganya, niyina kaka iawa iambina waka, niyina kaa i nimbina yakarumja, duminyagumiga dumiga ithawaka nirawamundamun imalan. Mumu bangada boma i ninyalan waka, kaanon yakarumja, wutunarana. Hello beautiful friends. We gather on the lands of the Aboriginal people. We thank, acknowledge and respect the Aboriginal 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,

Starting point is 00:00:41 bringing you the tools, knowledge and resources for you to thrive. She's on the money. She's on the money. Hello and welcome to She's On The Money, the podcast that lets you be pervy about other people's money stories, educational purposes, of course. Welcome back to another one of our Money Diaries, brought to you by our friends at Sky Wealth, where I get the absolute privilege of sitting down with one of our incredible She's On The Money community members and talking to them

Starting point is 00:01:10 all about their journey. Let's jump straight into it because this week I got an email and it sounded exactly like this. Dear Money Diaries, I've just turned 21 and I'm in my final year of studying finance and marketing while also working part-time in stock operations for a luxury fashion brand and interning at a financial advisory firm. Money has always been a big thing in my life because my parents taught me to save from a very young age. I didn't even have a debit card or access to my savings until I turned 18, which probably explains why I still get excited when I find something on sale, even if I don't need it. Working in luxury retail has made me realize how wild some people are with money. I see people my age spend an entire paycheck on one dress

Starting point is 00:01:56 they'll wear once while I'm standing there mentally calculating how much that could have turned into if they invested it instead. I love talking about money, saving and investing, and I'd love to share my early money story with the community and hopefully inspire other people my age to think a little bit more about saving for their future selves. Ah, money diarist, that sounds so exciting. Yes, yes. I'm young, but you know what? I'd rather start now than think about it in like, you know, 10, 20 years time. Well, way back when I worked in retail, I was not thinking about how much that money could mean if it was invested somewhere else. And I was selling really expensive shoes. I cannot imagine what I would be doing right now if I worked in retail

Starting point is 00:02:43 and I would just see someone spend like $500, $600 on a dress. I'd be like, girl, what are you doing like I know literally or especially if I see them put on credit or they mention something like oh my god I can't afford it but I'm gonna do it I'd be like well don't don't I'd be the worst salesperson ever I'd be like you sure you want this are you sure and they just use after pay as well which freaks me out they want like the latest fashion because we get drops every two weeks so they are like I need the latest dress and I'm just like I don't know how you're doing this like every two weeks. Oh, my heart. All right. Well, let's get into it. Before we ask you a little bit more about your story, one of my favorite questions is what grade would you

Starting point is 00:03:22 give your money habits if I asked you to give them a grade from A through to F? So, I had a bit of a think about this, but I think I would give myself a solid B. I do have a really good foundation for obviously being like a young age at being 21, but I still have a lot to learn. I still have a lot of learning gaps as well. And I'm still fortunate enough to be living at home. So, I haven't really got into the real world as such. And yes, I'm still under a bit of a safe haven at the moment, but I still have a good financial literacy position. So I feel like the transition from moving out of home,

Starting point is 00:03:55 starting a full-time job, leaving uni, I think I'd be in a really good position. So solid B. I love that. But also self-aware queen, you're like, well, actually I know what position I'm in and it looks like this and it's going to change like this. Okay, 21-year-old me, she had no idea.

Starting point is 00:04:11 Now, tell me a little bit more about your money story and the things you think impacted it. Growing up, I never really worried about money. My parents created a very comfortable and secure environment for my brother and I. Both my parents came from immigrant backgrounds. My dad's a tradie and my mom, she's self-employed at the moment, but she worked high up in corporate for many, many years. So from their parents, my grandparents coming to Australia, they had nothing and built everything from scratch and my parents taught me very early on through their parents that you have to work hard but not only work hard but make your money work smarter for you so I think since my brother and I were a young age we've always had that embedded into us and I started work when I

Starting point is 00:04:54 was 13 and as a basketball referee I earned six dollars an hour and then I transitioned to a beauty store at 15 but I never ever all my money went to a debit card and I only had access to that till I was 18. Wow. Actually having a debit card. So I feel like I always just never really spent my money and only use the cash that I had for my pocket money or birthday or Christmas because I just knew that there was no point of spending it on a brand new iPhone. I was happy with my iPhone that I had for five years, for example. So I think that's where it kind of started from being a child to going to university. I'm studying a bachelor's degree of finance and marketing in my final year as mentioned in my money diaries that's so exciting yes so I feel

Starting point is 00:05:38 like even from university it kind of clicked that you know I wanted to start investing for myself and especially because my parents started young I think both my parents were around like early 20s when they both bought their first individual investment properties I knew myself I wanted to start now so I think ETFs kept coming off my feed and everything and I was curious and then I made my first purchase of three ETFs when I was 19 years old. So that is nearly two years. I think my first purchase was in May. So I think that just kind of started my journey with it all. And what do you think meant that you actually committed to that? Growing up, I had a dad who was an accountant. So you would say that I grew up in a relatively financially literate household,

Starting point is 00:06:21 but I also didn't listen to my parents. So when my dad was like, you should be saving, like and I still remember him when I got my first job he was like Victoria save 10% of your income and never touch it don't look at it and I was like absolutely not like I'm not going to do that I'm going to spend all my money what about your upbringing meant that you listened to your parents when they said that stuff so I feel like it kind of came down to how they were brought up I think that's the best way to explain it because I know my mom's dad so my grandfather he came with $20 to his name and from that $20 it kind of grew to such a larger thing to buy property and then obviously they pushed my mum to be able to I guess save up to something and have something under

Starting point is 00:07:06 their name and I think from my dad's perspective it was that I think he used to put in money every Friday the check when he got paid and I think it was at the bank they told him yeah why don't you just buy a property why don't you have something for yourself so I think after hearing their stories and about how they kind of got brought up and then I guess they kind of push it towards my brother and I as well and I kind of saw even the habits that they had like my mum would rather spend something at Kmart or whatever she wouldn't go to like Chanel for example and purchase a jacket which there's nothing wrong with that but I'm just saying I think because of their habits that they had as well and being quite not too frugal with their money but like spending it on

Starting point is 00:07:48 stuff that they find like had value I think that's kind of the reason why I am who I am in the sense of like my money story and everything like that but yeah I think it came from the top to come to the bottom to my generation okay so I kind of love that but also I just wish I'd listened to like you because I'd be like way richer and it'd be way better so tell me you do a fair few things but what do you do for work and how much money do you earn so I do three things at the moment everything's is happening all at once. So I'm currently, as I said, last year of uni, so I'm a full-time uni student. I'm also a casual stock lead. So I work three times a week there and that it does fluctuate my pay because I am a casual worker still in uni. So it's roughly between 500 to a thousand a week.

Starting point is 00:08:31 What? 500 to a thousand. Yeah. That's so good. What does that even mean? What's a stock lead? Pretty much just working with the stock. So transferring things in, transferring stuff out. if for example another store needed this particular dress like we'll transfer it out to them yeah yeah okay so just keeping on top of everything and then what else because that's a lot of money already for somebody who's a baby and also like at uni that's crazy yeah and then also on the side so the other two days I'm working full-time but like have two jobs if that makes sense so I'm interning another two days so on the Tuesdays and Thursdays and that is kind of towards more my career path as well. So, this internship's for three months. And yeah, just learning about financial advisory,

Starting point is 00:09:15 financial planning, sitting in on client meetings, listening to all these parents be like, be like, oh, you have to make sure you like do X, Y, and Z when you're young. Like, don't be like us. Like, I feel like that's what I constantly keep hearing. So, yeah, it's good to get different perspectives as well. Tell me a bit more about this internship. Do you get paid to do an internship? Not this one. It is unpaid, but they did say at the end of it, they could give me a contract to be able to continue with the firm. It's a very small firm. There's also two other interns that are doing it with me. So I guess if I work hard, they're happy with me, then they'll keep me on. But I feel like they said, if you weren't the right fit for us, then I could use

Starting point is 00:09:53 that as a really good reference for my resume as well. I'm always so suspicious of people who get interns and then don't pay them because I'm just like, that's such good experience. I totally agree. But I'm also like, you're probably getting them to do little admin tasks and stuff. So pay them as admin I'm just so suspicious yeah I've done two internships in the past one was through a family friend and he did offer to pay me but I was like no no no it's your own business I don't want payment like I feel like really guilty if I get paid from him and then my other internship yeah I felt like I should have got paid because of the stuff we did as you said admin stuff but with this internship I'm getting a lot of understanding and everyone's very friendly and

Starting point is 00:10:34 willing to talk to you and like as long as it's not impacting you negatively like I've got a whole beef around nursing and the like they don't do internships which they do placements like I have a big beef with placements because I'm just like those queens need to get paid like it just it blows my mind and like don't get me wrong you're probably in a position where you're like well they actually can like I'm getting this great experience and you are like seeing your resume I know that you're getting epic experience but you're also in a very privileged position where you can you're like well I live at home you know if I gave up a few hours of work a week that's paid like it doesn't it's not going to ruin my life it's not going to you know I don't have kids to feed and

Starting point is 00:11:14 I think that that's so good for you but exactly why interns should get paid so that that opportunity is available for everybody I want to know what does somebody who's killing it at money and is only 21 what do they have as their big money goals so I actually did break them down of course you did you are so type a I love this yes I'm very organized I've set my goals like officially this year for 2026 officially in regards to money yeah I've never really set goals but I've tried to like be more organized and like actually have little things to work towards my long-term goal is just to be financially free by the time I'm in my 40s and 50s because obviously true wealth comes with age and you can't be a millionaire tomorrow so I think that's quite realistic for me and like I

Starting point is 00:12:01 guess I'm using a fire mentality okay I love this as well so like I'm only keeping a certain like amount on my card so like let's say a couple hundred on my card because obviously I don't really have a lot of expenses so I am able to do that and I'm very privileged and fortunate that I'm able to do that as well and I'm saving investing the rest of my pay themselves as well so along with this like I just want to keep working hard investing aggressively in my 20s and 30s to be able to set myself up towards when I'm in my 40s and 50s and get work if I want to work work once a week if I want to work like that's completely like up to me one of the girls in my team does that you've probably seen her bro yes and she shares a lot of content around wanting to be work optional by 35

Starting point is 00:12:47 like she'll be able to retire at that age because of the amount she's investing and like you're at the perfect age where you don't actually have lots of overheads so as life starts to build up you can make these active decisions to not choose that but it's so hard like if you're in your 30s and let's just say you're me right you've got two kids a husband a mortgage like if my husband and I decided to turn around and be like do you know what we're gonna like do fire now if we weren't in the financial position that we were in it's just not feasible like I've got kids that I need to send to school I've got a mortgage that I'm already committed to like I can't change things as easily once I get to that age you're 21 the world is your oyster I'm so excited for you yeah

Starting point is 00:13:30 and especially because of I think with finance it comes down to your mindset I think that's the most important thing as well because of my mindset already like I'm not the type especially working in luxury fashion I'm not the type to spend a thousand dollars on a dress let's say like I'm more like I'd rather put a thousand dollars into the ETF that I invest into all the time like I think because I have that mentality right now I feel like it's kind of made me like going to be able to achieve this goal as well do you then have to wear those dresses at work yeah they have a wardrobe so we can select from as well so we don't have to purchase yeah that's so fun I'm gonna ask you later where you work once we're not recording because we don't want to put that on but I'm like

Starting point is 00:14:10 Who has a wardrobe out the back? So you, hold on, hold on. Perfect. You go to work in like your normal clothes and then you go to this luxury wardrobe and you pick any dress and then you get to go to work? Yeah. Whatever they have on the rack, we can choose anything. That is so fun. I've got questions, but not for this show. Yes. Let's go to a really quick break. I need to break this up because I need to dive back into the finances of it just after this. all right money guys we are back and you are only 21 and you are hustling hard you are studying marketing and finance doing that full-time at the same time as two other jobs and an internship like i adore this for you tell me though what are you investing in how much is in your investment

Starting point is 00:14:56 portfolio how does that work what does that look like yeah so i actually have an excel spreadsheet because I am type A organized as heck of my net worth tracker. So at the moment I broke down my portfolio. So I have 26% in shares. So that's across my concept platform. And the main two ETFs I do invest into to be quite specific is VGS and VAS. They pair very well together. And that's around 70% of my portfolio. And then the rest is just kind of like thematic, like fun kind of ones that I put on the side. You are 21 and you're like, they're kind of thematic. Queen, what do you mean they're kind of what what thematic ETFs are you picking like and and how did you learn about this because like this is stuff that I'm talking to in my community as you know you've

Starting point is 00:15:40 listened to the podcast but you're 21 what do you mean oh 23% of my portfolio is made up of VGS and VAS obviously through you guys I listen to your podcasts every single week and I tell everyone I listen to your podcast every week I love you thank you as well it's just obviously being in the finance field and I feel like just learning about it just like look it up and I'm like oh what does this mean like what does an ETF mean what does a share mean what does you know price to earnings ratio mean like I kind of look up terms as well in my own time when I do have time so yeah I feel like that's how I know the lingo. I'm obsessed with you. Can you tell me one of the thematic ETFs that you've picked so we can talk about it because I'm obsessed. Yes so I have NDQ. Yeah why

Starting point is 00:16:22 you pick NDQ? Because it has the top 100 tech stocks in the NASDAQ. So I thought, let's just chuck in techs of the future. Let's just like chuck a bit of that in as well. I have VHY as well, a high yield. A lot of mine are Vanguard as well. And I have a property one, VAP as well, because I want to add some property into the mix as well. Those are my main ones. VAP is a really interesting one because it's actually a lot lower risk than a lot of other ETFs on the market. So VAP is the Vanguard Australian Properties Securities Index ETF. And that is one, it's called an REIT. And I've done whole podcasts on REITs. It's actually called an A-REIT because it's Australian. But if somebody is wanting to get into the market and they're not

Starting point is 00:17:07 so sure about the share market, but they love property, that could be a really interesting thing for them to start researching into because it gives you that property exposure without having to buy a house. A hundred percent. Yeah. It does invest into like residential, office, retail, industrial, like all property. So if that's something that people are like, no, I really am a property girly. That's where we might be looking. When did you add that to your portfolio? So that was added, I kind of restructured my portfolio middle of last year in July. I kind of added a bunch of different ETFs into the mix because when I started, obviously all make mistakes when i first mentioned my three mistakes they're not mistakes we pick things that we thought aligned

Starting point is 00:17:51 with our values and then they might not because you learned more but it wasn't a mistake it was a learning it was a lesson yes so transitioning from the three etfs i chose i was like i need to do some more international as well and a bit more in different like industries and stuff like that So, to answer your question, that's why I added VAP in, especially because of the age I am, I can't just buy a property like right now. Like I'm still, and I'm not, when I go to the bank, especially because I don't have a full-time job and full-time income, I'm not going to be liable to get a loan or anything. So, I thought, let's just add a bit of property into the mix. It's only like around 2%, 3% of my portfolio. So, I thought-

Starting point is 00:18:29 That's okay. Small thing. Let's just add it in. They add up. I'm obsessed. And what other, are there any other ETFs that you have that you're like, oh, this one's really cool. You might not have heard of it. Or are you just like, look, girl, I go with Vanguard and I'm quite comfortable because you've mentioned Vanguard and beta shares so far. Yes. I also do have a gold ETF. I think the ticker is gold. Yeah. But to add to that as well, another part of my portfolio, which is I do invest in gold, silver. I do have a large percentage in it, which is around 36%. So I trot my way down to ABC Bullion and I go and I'm like,

Starting point is 00:19:04 hey, I want to buy this much gold today. Hey, I want to buy some silver. So I think that's- What are you doing with it? Is it just under your bed? In a secret hiding spot so no one can find it. But after my first internship I had with a family friend, he's a very successful businessman. I asked him, so what would you recommend for someone my age to invest into? And obviously he was going down the list and he's like, look, I think you should buy some gold and silver. And that weekend I went to ABC Bullion and I was like, I want to make my first investment and give you a bit of numbers which I know you love I do I do and I'm I want to know your total portfolio value as well I know you're like doing it in percentages and

Starting point is 00:19:43 that's so so helpful but an idea of like is it twenty dollars is it a hundred dollars are we talking this girl has hundreds of thousands of dollars like where are we sitting queen I'm reaching up to the six figure mark at the moment stop look at her go so yeah I'm proud of you I'm so proud of you to give us estimate the gold and silver portfolio has gone up to 18 since i invested two years ago so yeah i kind of hit the market just before the roof yes yeah what type of return are you seeing on that at the moment in terms of percentages yeah so it's at that 18 like in total when i last calculated oh like a total return has reached up to 18 but in my portfolio it's around 36%. That is crazy. And so when you go, so for those of you who don't understand the purchasing

Starting point is 00:20:33 of gold and silver, there are lots of different ways you can do it. We just mentioned a gold ETF that you could purchase that gives you exposure to those things. But when people buy gold or they buy silver, you can also buy platinum by the way, they often want it as a tangible physical asset because it feels really safe. You can touch it, you can taste it, you could lick it, you could like put it beside your bed if you wanted to. But as Money Diarist has mentioned, you put it in a little hidey hole. The more that you get though, Money Diarist, I would seriously consider some type of lock box or storage option at a bank because it does become a little bit scary having those things just floating around the house. You can actually go down to, and now Money Diarist

Starting point is 00:21:14 said, ABC Bullion. That was not like a X, Y, Z kind of term of reference. Like it's called ABC a bullion. And you can literally walk in and say, I would love to buy, you know, half an ounce of a gold cast bar. And you can literally purchase that. So, MoneyDarist, I want to know, when you go down and purchase gold, are you purchasing like half an ounce? Are we like throwing a lot of money at it? Are you purchasing, like, what are you walking away with? So, I do a little bit here and there. I think I've gone in, let's say, four times. So, yeah, there will be little purchases like let's say half an ounce or one ounce for gold and then silver would be more towards like the 500 grams I do a couple depending on how much money I have to kind of spend so it

Starting point is 00:22:00 just depends yeah and how much money it's worth right so half an ounce of gold right now is about three thousand four hundred dollars I believe and then if you were to go buy like I don't know if you said 500 grams of silver that's like maybe just under two grand so like they're good amounts of investing at the same time and then what you take your little bar home and hide it somewhere very important yeah it's in the storage like compartment at the moment so yeah it's away locked away yeah yeah important but I think it's so interesting because when people are like oh gold or silver no no it can be incredibly physical like you actually have to transport that home and find somewhere to keep it yeah and it increases in value and then if our money diarist was like

Starting point is 00:22:40 oh I want this to be money again she could take it back to the same place and they would purchase it off her at market rates, which is very cool, I think. Are there any other things that you invest in at the moment? And if not, what do you want to invest in in the future? Or is this the plan? This is the portfolio because you said that you'd rebalanced it last year. Yes. So, I do want to continue dollar cost averaging because I do invest in my ComSec portfolio every two weeks whenever I get paid, when all my money gets automated, distributed, all that type of stuff but the next money goal is to obviously buy an investment property obviously it is a bit difficult right now and with capital gains tax like the new laws coming into place as

Starting point is 00:23:21 well and how the markets go in interest rates I don't know if that is going to be very very soon or it's going to be like a couple years into the future five years into the future but that is the next thing I would love to invest into but for the time being I'm happy with where I am at with my asset classes so tell me I know the answer to this but I'm gonna ask do you have any debt no I do not have any debt have you ever had any debt no never want to enter that have you ever considered being in debt I'll only be in debt which is good debt which my mum always tells me is when I purchase a property and get obviously the mortgage and stuff like that that's the only debt I'll ever be into credit card debt personal debt that is just an no for me yeah I love that

Starting point is 00:24:06 all right I wish I could get like every single 21 year old in our community and be like no debt ever not allowed bad and like just just not happening now talk to me you're 21 have you considered personal insurances if not why not if so what are you doing well because I am still quite young I haven't really thought about personal insurances until actually starting to work at this internship actually and getting exposed to all the types of insurances and the companies and all that type of stuff but it is something that I'm definitely going to look into for the future but right now I don't have any personal insurances. Yeah very fair so tell me a little bit more about your superannuation because you probably have some default insurances in there as a part of

Starting point is 00:24:49 your investment portfolio is that something you have been focusing on or looking at I know you work in a financial services firm so you've definitely been around the conversation but what are you doing personally? Obviously starting work around 13 but obviously the contributions when I was 15 I never really looked at my super until I went to a lecture actually recently and the lecture was like you guys have to get your super log into it and make sure that you're invested into a high growth and I just like never thought to look into my super like I know that sounds so like funny especially because like obviously all the financial knowledge I have like I just never really look into it so I did change it recently into a high growth so it's not

Starting point is 00:25:30 into this default one as it was when I was 15. So I guess that's going to give me a better return as I go into the workforce and age. Totally. So tell me a little bit more. I feel like you've got a really good one up your sleeve. We already learned a few as well, but what's your best money habit? So I think I'd briefly touch on this, but I think automating everything. So the day I get paid, my money automatically transfers into savings and the rest goes into my investment an account and then as I said I keep only a little portion on my card that I spend and I have the habit majority of the time obviously sometimes I want to spend a bit more money so I transfer it from my savings but like most of the time whatever money I have on that card that's what I spend for

Starting point is 00:26:15 the two weeks and then until obviously the next pay so that's probably my best money habit and as well when I go into work I never spend it on going out for lunch or anything like that so I think those two are like my biggest and best money habits that I have when I was younger and I was in my first like I don't know I would call it like my big girl job and in internships and stuff because I did the same kind of thing that you did I felt a lot of pressure to go out with you know all the other girls in the office when they were getting coffee or lunch or whatever how do you manage that situation when you're I guess so financially conscious you're like no I'm not coming out or like are you going along and not buying the coffee like how does I guess that new environment

Starting point is 00:26:57 of being in an office where other people are doing it and you kind of want to be involved and you're the youngest so you feel like you need to how does that work for you I'm not like the best word to say is tight like of course like I am happy to splurge on like let's say going out for coffee if it's with like I guess like as you said in an office environment like I'm happy to do that but obviously if it's like all the time and stuff I'm like hey like I have my own lunch I'm just gonna eat in but like you guys go out like that's completely fine but I am the type where I like you know spending on people and being generous and like shouting everyone and stuff like that but at the same time I kind of limit that and that's like an occasional going out for coffee or

Starting point is 00:27:38 going out for lunch like let's say like once a week or something like that but if it's continuous us then I'm like hang on this is not for me yeah I feel like it's so much easier when you have conviction in your goals to stick to them I feel like when I was a bit younger I'd be like oh I know I don't want to spend the money on it but I've got nothing better to spend it on like I'm just going to do this but when you're like no no I'm like investing and I'm saving and like this is so much better I feel like you're so much more likely to go oh I'm really happy to not get a coffee or I'm really happy to go and not get one because you don't automatically think oh they're going to think I'm cheap you're all thinking not anything like that you're actually thinking oh my

Starting point is 00:28:16 goodness I'm investing I'm saving these guys are wasting money and like the narrative kind of shifts I wish I had that mindset when I was your age now tell me what do you think your worst money habit is oh that's a good one I feel like going to like let's say Kmart like I know that's like such like an Aussie thing to say no it's a slippery sloping yeah like just going in and being like oh this is cheap like I might as well just spend on it and I feel like I end up coming out and spending like what fifty to a hundred dollars on stuff that I didn't even need when I walked in so I think that's probably a really bad trait that I have sometimes or even going past let's say like a bakery or something or like a milkshake place and being like oh maybe I should just get one I should

Starting point is 00:29:03 treat myself it's been a long week but other than that those are my main two that I have fair fair Now tell me, we've had a chat today. It's been great. You said, okay, I think I'm a solid B. Everybody listening is wanting to shake you just to be really realistic because they're like, this girl is so good. Tell me, what would it take to get you to say that you're an A with money? Because I think everybody listening and I, we're all sitting here going,

Starting point is 00:29:28 I think she's an A already. But from your perspective, what would it take to get there? I feel like to get to an A, I feel like, well, it is when I kind of reach the goal of earning more like passive income I guess being in a position where I'm in a full-time job as well I think that's and then I actually leave home and then I'll know the real test like am I ready for this world am I going to be on top of my expenses am I on top of everything I think when I'm actually like at that age then I'll be like I'm an A but at the moment I would say I'm still gonna say a bit of a B okay I'll allow it I'm not

Starting point is 00:30:03 going to argue with you but if I was to grade you you would be an A plus as a 21 year old who's like you're so self-aware you're so knowledgeable you are so smart thank you honestly I feel like such a mum saying this but I'm like your parents would be so proud oh thank you like I hope when Harvey and Cammie are like 21 they're like oh I'm an investor I'm a saver I'm doing like it's just so cool to see like I just feel like I didn't even have that much conviction at 21 so I just thank you for sharing your story thank you for letting me be really pervy about what ETFs you've got thank you for letting me being shocked about you having thematic ETFs and being like oh no I added this in because I'm actually a wizard I love these conversations and I just know the community

Starting point is 00:30:46 would have loved hearing this one so it's been a privilege thank you my love no thank you thank you for having me on the show and I hope that whoever is listening just start investing even if it's just a little bit even if it's like a lot it doesn't really matter I think just starting is the main thing I agree even if you're my age at 21 or you're let's say like just about to retire I think starting is the most important thing I agree and the money diarist here she's going to take my job in like five years I'm telling you right now she's coming for us thank you 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

Starting point is 00:31:31 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 321 649 27708 AFSL 451 289.

She's On The Money - 21, Investing Aggressively and Watching Everyone Else Spend Their Paycheck

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