She's On The Money - Breaking up with bad money habits

Episode Date: February 9, 2021

Are bad money habits sabotaging your savings? Today we chat about the biggest money mistakes millennials are making and we share our fool-proof techniques to help you break up with the pesky money patterns holding you back. Plus, Victoria reveals her worst money habit AND we discuss exactly why it is that old habits tend to die hard.Today’s episode of the show was brought to life with the support of the ShopBack team, the crew who give you cash back when you shop.Joining you this week you’ve got millennial wizard Victoria Devine and everybody’s favourite human, Georgia King.Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter, the written recap of the pod's key takeaways, including some bonus bits you won't want to miss.Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at [e-mail] and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.See omnystudio.com/listener for privacy information.

She's on the money. She's on the money. Hello and welcome to She's on the money, the podcast for millennials who want financial freedom. Today we're talking about bad financial habits and how to break them. So, Victoria Devine, our Melbourne-based money whiz, in your opinion, what would you say are the most common bad money habits, the naughty money habits you hear about from your clients the most and in the She's On The Money community the most? I don't believe that this comes as a surprise to any of us, but spending too much money on food, spending too much money on after pay, zip pay, every other buy now, pay later option that exists, sporadic shopping sprees, and not thinking about our future and just assuming we can start later.

I feel like there's a lot of them in our group. I would say food's a very hot topic, but maybe we won't focus on that today. Yeah, okay. We've done some episodes on food before. That was back in Season 3 and we had the lovely Millie Padula dietitian with us. That was amazing. We did. Anyway, let's get into it.

So the first habit I want you to help us break down is mindless daily spending. So talk to me about why exactly this is holding us back and how we can manage to break that bad habit. I feel like this is one that we're all really good at. In fact, Georgia, I did it today. Did you? Yeah, I bought a top that I didn't need. Victoria Define.

Yeah, it wasn't good. I purchased it at Good Old Revenue. I decided to go on a little bit of a wander, but that wander, especially given we work in the CBD, happens to go straight through Melbourne Central. And they had a sale. and like oh there was a top that I really wanted it's actually a money loss this is not meant to be a bantery episode but like you get what you get when you come here um was it pink no no no

it was the color of your top which is like an oatmeal a beige oatmeal it was beautiful and I picked up my regular size without trying it on and just purchased it for a good $27.50 so like that's pretty good amount for a cheap top um and I put it on before coming to the show and it doesn't fit so that's i'll have it that's what you get so i think one of the ways that we can actually have a look at this you know maybe do as i say not as i do but one of the ways of snapping out of this is actually to just look at our spending on a yearly scale rather than on daily because as i did today it was so easy to just pick up a top that i really liked because i genuinely felt like oh it's not that much and there's a further 30 off like that was really easy for me to just

accidentally yeah you got sucked into the sale yeah but if you said to me well victoria actually twenty seven dollars fifty a day over the course of a year is ten thousand dollars if i did that every day that's a lot of money correct and i think that when we look at things like lunch right ten dollars a day for lunch does not feel like that much money but every day for a week that's fifty bucks a week or what is it twenty six hundred dollars i was about today twenty six thousand a year but it's not that would be really dramatic but it's twenty six hundred dollars a year and that's a lot of money as well and I think that you can start making that calculation a whole heap bigger when you add in not just lunch but you add in the drinks that you have and the additional

stuff you're spending on uber eats and it just starts to blow up and it ends up being maybe what you'd spend on a family holiday for four yeah sorry not to be dramatic because of course I'm not dramatic but I think it's really important to see that from little things big things do grow and that is my ongoing theme of I would say this year but of course I think it's also really important to understand that we want to also enjoy our lives and not be frugal to the point of joylessness but also think about our spending on a really large level on a yearly level or how that actually adds up for you because I think if you're considering purchasing something we actually often just don't think about the bigger picture when we're doing that and I certainly didn't today

and you know I think it's important for me to share stuff like that because I'm just as bad as everybody else yeah you're just a gal yeah I'm just a gal who saw a cute top and just really wanted the cute top that ultimately didn't fit yeah um otherwise it would have been a delightful top absolutely I think we saw that as well a lot last year with everyone working from home and I know a lot of people continue to work from home we're not buying our lunches we're not going out for coffee as much so we really saw our savings build up so I think that's just a really clear way of seeing how much taking away those uh luxurious little daily spendings can kind of help us out exactly and we all know well I can't say this for sure but I'm assuming you were eating

lunch at home right like you were still eating at home and saving and I would assume enjoying the food that you were eating because you had an abundance of choice take that food to work and We are in the same financial position, bar probably our public transport tickets, etc. But I think it's a really important point. Like you were making lunch for yourself and you were taking it to work. And that's a financial habit that you could absolutely start to look after yourself with. Stunning. Well said.

Talk to me about sporadic shopping sprees. So obviously you went on a little one today. Okay, I bought a top. I feel like a sporadic shopping spree is absolutely not what happened. Definitely overstated, but that's okay. But essentially, it's another habit that I think our generation needs to break. and I see it in my friends I see it in people that are in our community it is not uncommon for people to go out and be like oh I'll just buy a whole heap of stuff or I'll just buy one thing

and then that turns into three I think at the end of the day it's going to come back to advice I've given you before and that is put 24 hours between you and your purchases and make a wish list on your phone and make sure that you're referring back to that if you want something take a photo of it and go you know what if I want that again tomorrow like I can come back but often in the moment you'll be like yeah the top was cute but I actually don't need it and you can justify it to yourself but in that moment you're not saying no you're just saying I'm gonna sit on this and I think that's a much easier thing to swallow than just being like nah can't have it nah can't have it because that sucks yeah that's not a fun mentality to be in that is really limiting

but I think okay I really really like this top in this moment let me think about it tomorrow and you know what if it's still here I'm gonna be all hippie about it and be like it was meant to be yeah and if it's not then it's not so i think that that is potentially a good way of doing it but then also on this point stop getting sucked into sales like miss victoria divine did today make the most of them if you actually need to buy something but because it's on sale doesn't make the top any cuter i'm talking to myself here okay so the next one here b is one that i feel like the older generations would accuse us all of being really guilty oh is that like eating too avocado well it's it's around that kind of that line of thinking i'm talking about us not taking

our futures seriously enough slash yeah that's a thing yeah but also not considering investing in our plan kind of just assuming we can do it later and we'll be fine okay well we all know that you can't just do it later and you'll be fine i feel like i've ranted on this podcast time and time again about how we need to put future us first and start planning our financial futures today at the end of the day georgia with a podcast for millennials who want financial freedom not to do it tomorrow so i think that it's really important to understand it's really important to educate yourself and i actually think that we are incredibly educated as a generation an article came out this week and said that research had come out about boys should be

handling the finance a whole piece of research has been done on australian parents and an older generation than what you or I or our average listeners age is and it says they're stuck in a traditional view and I went on a bit of a rant because at the end of the day obviously I am wildly passionate about financial literacy and changing that and making sure that that is not the view of our current generation but at the same time if older generations seem to think that we are you know maybe not taking our futures seriously I would argue back and being like we are actually taking back this power we are investing young women are investing so much more than any other generation or age or demographic is at the moment we are seeing an epic change

in women in the workforce in women in jobs of power in leadership positions like i am so wildly passionate about this and i swear if somebody else in an older generation starts saying that we are guilty of being maybe too in the moment or not taking things seriously like yeah you're right We might not take things seriously on social media, but when they were our age, they didn't have access to platforms that allowed them to be as free or as open or as, you know, conversational as what we currently are. So that question gets me a little bit heated because it really frustrates me that older generations are not seeing the opportunities that we have as a generation and that we are seizing. so for me it's a bit it's a bit topical because I get really frustrated that that we are not in the best possible position and people do not seem to see that we actually have a whole heap of other barriers and hurdles that are actually in our way and you know I won't go on about it but property

prices the fact that inflation has you know gone up higher than what the average salary has like the number of people who lost their jobs last year and you know young people being amongst the hardest hit but then we're also seeing so many people come through that and being innovative and coming up with different businesses and being nimble and agile and then we're also seeing people I've seen this wave of people who are just willing to get their hands dirty people who are going yep cool that was my job but I'll just take whatever's going because I need to put food on the table and I think that older generations and this might be wildly inaccurate so I do apologize weren't as willing to do that because I think they were too proud whereas this generation's

kind of like yep sick i'll drive an uber that'll be good i'll just earn some extra cash i don't have a job at the moment so i'll absolutely do that or yep i'll go one of our staff worked in a warehouse during covid and i cannot tell you how impressed i was with that because at the end of the day that person could have gone and just gotten you know job seeker or job keeper but they were like no like i i've got two hands i can do a job and i can earn money with that and i love that mentality and that is a mentality that I don't see in any other generation so that's the end of my rant Georgia what were you actually talking about um just want to jump in there and say of course job seeker job keeper like no judgment there no no no yeah and and I think

that's actually really good for you to pull me up on that's absolutely not it but I think that a number of people did sit back during COVID and just like oh like I can't do anything you know what there are a lot of people that were not in the location or the financial position or the lifestyle position or had kids at home and absolutely couldn't work like please don't get me wrong but i think that as a generation as a whole if we have the ability to do something we do it and most generations don't do that i love that okay so you're basically saying that we are taking our futures pretty seriously so you don't really subscribe to what these older generations are perhaps saying is the you know classic millennial you don't believe in those tropes

which i love they can georgia hey get in the bin get in the bin love it um okay well it's the professional and mature way to respond to uh accusations get in the bin i just want to quickly touch on super here v because i know we are smart empowered and interested in finance now but i feel like super is still something that is maybe considered or perceived to be as a little bit of a boring topic can you just reiterate don't know why you want to talk about it on this podcast is it boring no it's actually so so so cool that's what I thought you're gonna say this little spiel about what just why it's something we need to be thinking about so I think that when people say I'm not investing like my friend have you got a super account yes you're an investor something

that I don't think a lot of people realize is that their superannuation money is not savings for retirement it's an investment for retirement it's going into what we call an investment fund essentially this is all very basic in comparison but that is then being invested on behalf of you to create wealth for your financial future and superannuation here in Australia is essentially the closest thing we have to what maybe other people would refer to as a tax haven right and that's like a really good tax situation essentially the amount of tax we pay in superannuation is only 15% whereas a lot of our listeners would be paying marginal tax rates between 25 and 39% which obviously if you were going to put money somewhere and save some more superannuation is

the environment for that so I think that for us we just don't take it seriously because we don't feel like it's our money but at the end of the day superannuation is 9.5 usually can be more than that but as a base level here in Australia superannuation is a base of 9.5% of your real money like your real money that you are going to work each and every single day to earn and it is being put in an investment for you and that investment for you should be performing and you should be keeping an eye on that because my friend that's your share portfolio you might not be able to pull your money out 265 but that doesn't matter it's still your money and it is still invested on your behalf if you don't like the way it's invested you've got to change that so i think that we don't

take it seriously enough because we genuinely don't see it as ours when in reality that's your future sitting right there my friend 100 and we did do a whole episode on super as well so scoot back and listen to that one if you do need help breaking the bad habit of not taking your super seriously next one v maybe a little bit predictable we did touch on it at the top predictable never no no never go over the same we're cool we're hip we're fresh um but i want to talk now about buy now pay later so this made the list of the bad habits yeah it's what the kids call it so regular listeners would of course know that both you and my good self are quite anti-bnpl um but can you please give us a little refresher as to why

buy now pay later schemes is that too hard why they're more of a hindrance than a help i think it's a trap is that bad i actually want to disclaimer this right we actually have a number of people in our community that do use programs like afterpay for really constructive reasons they're really good at cash flow and they're using it as a cash flow tool we are not talking to those people we are talking to people that get afterpaid to buy things they don't need with money they don't have and so though it may seem like afterpay is going to help you attain an item or an object or a life that you don't currently have that you do want the reality is they are actually going to be bad news for your financial future they're literally just another line of credit and it is

absolutely not something I want our community to come to rely on and for me it's a really slippery slope if you're going to go buy a dress and that dress is $200 they're like oh it's easy we'll just take payments out and it'll be $50 a week for the next four weeks and you kind of don't feel the bite of that dress as harshly as you would have had you had to cop up that money initially it's even worse if you didn't have that money at the time because you're literally spending money that you don't have i just feel like it's a really slippery slope at the end of the day you don't need to be buying things to impress other people and it really frustrates me that we're in a in a world where we're often buying things to impress people we don't even like i think it's really not

constructive and i'm seeing a number of different platforms pop up at the moment that are equally as concerning that maybe are worthy of talking about on a future podcast episode like my pay now georgia i'm not sure if you've heard the advertisements for them but they are also terrifying did you say why pay now my pay now oh okay interesting it's like essentially a cash advance on your own income and they say they're revolutionizing the way that people get paid and they say it's early and on demand when in reality they're just going to charge you money to pay back your own salary and it kind of makes me feel sick with interest or late fees and all of that kind of one flat rate georgia like you know no hidden fees or annoying interest what they're saying there is

like they are going to charge you money on the money that you have and they say that's really good but I'm looking at their website right now because they keyed it in to make sure that I wasn't wrong um and they say for just five dollars for every hundred dollars that you get an advance on like wow so you're going to charge me five percent yep for every dollar that I get as an advance so that's essentially a loan my friends and I think that it's a really really slippery slope and that's my opinion on that yeah and the marketing makes it sound so glossy so you have to oh my gosh yes and you look at their beautiful websites and they're they're covered in memes and they're covered in emojis and they are beautiful like their branding stunning like whoever did

their website whoever did their website get in touch but i just get so frustrated because this is not putting you in the best possible financial position and please don't get me wrong if you need a cash advance and you need it for a really good reason medical food on the table like all of that please don't get me wrong if you're using these as tools to actually put your family in a position where they're getting by but if you are advancing your salary because you went out a couple of times too many with the girls for a couple of espresso martinis like this is not how you're going to get ahead in life and it's actually impacting future you i just wanted to throw in some stats here before i ask you how we can actually break the habit if we are you know i love some stats i know

don't you do so first out here one in five people using buy now pay later schemes miss payments and are racking up serious amounts of debt one in five that's pretty substantial 20 georgia that's 20 that's a lot of percents that's a lot of percents you're not wrong uh next up for you here people under the age of 35 are using buy now pay later more than any other demographic which we already know our audience yep and the number of buy now pay later transactions increased from $16.8 million in the 2017-18 financial year to $32 million in 2018-19, which is an increase of 90%, essentially double.

It is filthy. V, talk us through how we can break this habit. I'm so opinionated on this podcast this week. I do apologise, friends. We're talking bad habits. I'm just bad habits. And given Valentine's Day is literally just around the corner, I feel like we should be taking care of ourselves.

not someone else so let's just put ourselves first and break a whole heap of bad financial habits and it gets me really riled up when we have habits that aren't necessarily our fault because it's due to us being sucked in with really beautiful marketing or an idea or a statement that seems too good to be true because it actually is so i think that while credit is absolutely a super important lifeline for a lot of people we shouldn't be going into debt to buy brand new tops or dresses or outfits we shouldn't be going into debt to buy a new technology or things that we genuinely do not need so don't forget how satisfying it can be to save up for something and I've plugged this before I'm not sponsored by these people by the way Georgia otherwise you

might know about it but I've plugged them before and I really love them because it's essentially a proper lay-by if you would like to purchase something and you're bad at cash flow and management you can actually go to laybyland.com.au and lay by something like you can start paying towards an item and then have it delivered once you've paid it off yeah so lay by is the other way around yeah so that you don't have any debt on something and i think that if you need a new fridge for your home and you're really bad at cash flow like pick out that fridge go and put it on lay by and go and actually purchase it that way because they're not charging you anymore and i obviously wouldn't recommend it if it was a more expensive option but at the end of the day like

if cash flow is your problem find another solution for it and lay by land again not sponsored i just really like that that is an option because a lot of people say oh yeah big victoria so bad like that fridge i wants a thousand dollars so bad at saving up so after pace the way that i kind of you know say okay well let's reverse engineer that the problem is saving let's get that item on a cash flow plan that doesn't negatively impact you so for me it's just let's think about how gratifying it can be to save if you're bad at cash flow let's look at another option instead of turning to places that could end up flashing you in the bottom the last habit here v the one that you're pretty renowned for saying on the podcast is keeping our heads buried in the sand i don't

know where that phrase even came from i'm not saying a lot i do i do and it's so dated ah it's it's a real visual like every time you say it i'm i can imagine me with like some sand up your nose yeah yeah that's really attractive what were you trying to say before i cut you off so the issue of keeping our heads buried in the sand rather than facing our financial fears head-on quicksand too oh well that's the worst kind of sand um no the worst kind of sand's that really gritty thin sand that gets stuck in your bathers yeah yeah that's the worst that is the worst and you find it in the shower yes and you thought you didn't have any in your bathers but then it's everywhere it is yeah i haven't thought about that in a while you're welcome good visual

um one more time i'm gonna ask you i'm really trying to railroad this episode because i'm missing the van to georgia why do you think this is an issue that we need to address i think a lot of people that have come into our community that were a bit reluctant when it came to talking to about things related to finance came because it filled them with a sense of dread and anxiety and it made them feel really uneasy and we've spoken about this like literally if you haven't heard our money story episode it was the first episode we did ever and that arguably is the premise of everything I do and that's why I wanted it to be the first episode because your money story is so important to me and so important to you to understand because the way you were brought

up around money is going to impact the rest of your life and we said on a podcast recently some research has come out that your money beliefs and values start being shaped as young as seven years old and they then become ingrained so for me understanding your money story is going to help you understand a little bit about why you might feel dread or anxiety and and money anxiety is such a real thing. It is not something that we should laugh at or, you know, if you don't understand what that feels like, you should be grateful. Money anxiety is a really real thing and lots of us would actually prefer to live in a state of ignorance. That's why we put our head in the sand rather than actually taking control of our finances because that can often feel

incredibly overwhelming and often too much. So for our community to understand this, you need to know that the longer your head is going to be in the sand the longer you're going to be saving or investing or you know trying to get out of the sand so the sooner that you can essentially just start going you know what I'm going to tackle this head on like let's just have a chat about it let's work out what my money story is let's work out what I can do for future me the less time energy and effort you're going to have to put into that future you situation that you want to achieve when you're really young it can actually just be easy to focus on life right now I was guilty of that I went to uni I definitely spent everything I had and ended up in debt because of it and you

just don't end up putting much thought into future you because you're thinking okay well it doesn't actually matter I'm at uni I'll have a full-time job at some point or it doesn't actually matter I'm a grad right now I'll have a real paying job at some point like that point never comes there's always going to be oh well I'll have a higher paying job or I'll do it when I achieve x or I'll do it once I've paid off my personal loan and oh once the personal loan's gone it's I'll do it once I get a new car because I really I deserve one and I need it and there's just there's never today like today is the day and I think we need to understand that because it can be so easy to just focus on the right now instead of putting future you first. All right before we hear what

your worst money habit is Miss Victoria Devine and have a little chat about the psychology of why it is so very hard to break bad habits here is a quick word from the partners of today's show now if you're falling as in love with finance as our good mate vicky d is then please remember should i stop calling you vicky d no no i wanted to be in the background okay now if you're falling as in love with finance as vicky d is then please remember that we aren't just hanging around on this podcast we also have a facebook community which we talk a lot about on the podcast where 130 000 angels chat absolutely weekly daily 130 000 people like that's a lot of people it's a lot i don't know how many people that visually looks like mcg plus some i actually

I couldn't even tell you how many people fit in an MCG. Jess is on it. But let you know that, hypothetically, it's probably 10 MCGs. Okay, so it's one MCG. We'll get there. The aim is to get to 10 MCGs. Well, this is awkward. But, Georgia, 10 MCGs worth of people listened to our podcast last month.

Okay, well, that's big. That's big. That's a stat worth celebrating. Do you know what else is worth celebrating, Georgia King? Oh, here we go. I know what you're going to say. You do. what victoria oh i act shocked georgia we got verified on instagram yeah we did we legit the

blue tick give approval we got the blue tick ryan john has the blue tick no one really knows how we got it but he's got it so now we're as cool as ryan john yay do you have one personally absolutely not but so if you love the pod don't forget we're also on youtube we are if you love the pod we're on youtube we're on instagram we're on tiktok and george is not going to mention it but we put together an absolutely delightful newsletter where georgia shares tips tricks her unsolicited recommendations what's going on in the community and every week a really short summary of what actually happened on the pod so if you missed out a bit of a recap you get the juicy juicy recap so let's get very silly very fun okay so everyone is dying to know victoria what is your worst

financial habit buying tops yeah everybody has bad habits yeah i actually get quite frustrated when people put me up on a pedestal as being the absolute og of money because at the end of the day i'm not uh yes i'm really open about talking about it yes i'm really passionate about it and if you say i'm the og of being passionate about financial literacy i'm not gonna say no but if you think i've got incredibly good money habits sorry i bought two oat lattes today and of top i didn't need toria to find yeah exactly exactly so come at me would you say that that's your worst money habit then just daily non-essential spending yeah i think i would say that it's just little non-essential spending that really adds up like i genuinely didn't need another coffee today

but i felt like i needed to get out of the office and just you know have a breather so i used a coffee as that and i really could be a little bit more thoughtful about that and go for a walk around the block instead of a walk to Melbourne Central yes but here we are you obviously have an amazing suite of knowledge in your head absolutely and and this isn't coming out of you know my savings account or anything but it does frustrate me that I do things like that sometimes but I'm not mad about it I just take it as it is what about when you were younger like what was the turning point when I was younger I lived way beyond my means yeah I went into personal debt when I went overseas for uni and you know lived my best life I I don't think that

that was something I regret because it's a part of my money story I think that going through being in debt actually helped me really understand the impact of it the anxiety it brings how upset it made me felt a lot of shame around that it made me really embarrassed especially when my friends would talk about their savings and I was sitting here with like twenty thousand dollars and on a personal loan yeah that feels awful and I know how that feels and that's why I'm so passionate about making sure that everyone in our community feels heard and feels seen and is actually you know a part of changing their story and not being ashamed of it because no one chooses to get into debt so I think that for me it's there's nothing I would change about my money story or what I did

when I was younger because it has made me who I am today and has helped me understand financial literacy to a deeper level and yeah you're able to empathize with our community and your clients more which i think would probably give you an edge as well yeah and i'm still working towards financial freedom too like i have to come to work every day and earn an income because i'm definitely not financially free like georgia you heard i just bought a house yeah we have a mortgage now big commitment a mortgage and a dog i have a family to provide for yeah you're all grown up girl um back to bad habits though in terms of the psychology behind why it is so hard to break them where where do we begin like why is it so hard because we are humans and humans like to be

comfortable and once you've created a habit that you are comfortable with change is too hard so we are less likely to change than we are to stick with where we know most of us would have heard this historically and that is that it takes 21 days to break a bad habit which actually hasn't been proven but it seems pretty accurate to me because i feel like that seems like enough time for you to get in the really good swing of testing things out like 21 days without an oat latte and i'd probably forget that i used to go and get one often bad habits are associated with pleasure though georgia and i think that instant gratification and buying a new top randomly on a Tuesday that you hadn't really thought about and acknowledging that you're

potentially sabotaging your bigger financial goals by doing this can be much harder than actually just stopping yourself from buying top so we're not saying it is easy but we are just saying how do we be a little bit more aware of this and what does that actually look like and sometimes we don't even know that we have a bad habit because we actually consider it really normal and I think that we need to acknowledge that behavior is an issue that can be helpful in stopping it and yeah that's where i'm at also stress like you don't need to stress about money life is already hard enough we know that money is the largest stressor of australian employees which is crazy and completely anticipated from my perspective so rather than acknowledging an issue and leaving

our heads buried in the sand like we can create the life that we want and stop stressing about money even if it means that we are less stressed about money because we're just talking about it like we might not be able to change our financial situation right now but a problem shared is a problem halved my friends well said there be now before we do head off for today can you please leave us with some final words of wisdom for anyone who's listening who has related to any and or all of the bad habits that we've mentioned here what would you like to leave them with I think we need to understand that we can make small sustainable changes that impact our stress levels and our lives on a really really deep level and I would use the quote from little things big

things grow but I use that too much so I'm not going to use that and I'm just going to say that talking about it and sharing problems and sharing just conversation about money can actually make that weight feel a little less heavy and especially after the year that we had last year which i think weighed really heavily on other people we just don't need to add to that like let's just be kind to ourselves it's valentine's day and i think that's just about showing yourself a lot of self-love well said vicky d just before we head off we'd like to acknowledge and pay respects to australia's aboriginal and torres strait islander peoples the traditional custodians of the lands the waterways and the skies all across australia we thank you for sharing and

for caring on the land which we are able to learn we pay our respects to elders past and present and we share our friendship and our kindness and please remember that the advice shared on cheese on the money is general in nature and does not consider your individual circumstances cheese on the money exists purely for educational purposes and should not be relied upon to make an investment or a financial decision educational and like me oh for sure we're funny funny gals We promise that Victoria Devine is an authorised representative of Australia Pacific Funds Management, Proprietary Limited, ABN 34132463257, FSL 339151.

And big thanks to Ryan, Bec and Jess, our producer, Darls for putting it all together. They are actual wizards. I'm really impressed with them. Honestly, Shares on the Money would not happen without any of them, which is kind of sad. It's no longer just us tripping. we need them we need the crew yeah imagine us trying to edit oh my gosh don't even a hot mess

when we try to podcast on our own right now guys we do have two producers sitting with us when we podcast on our own at my house we end up with a bottle of red that was fun we need to be controlled anyway see you next week guys bye guys Thanks for watching!