She's On The Money - Coughing Up For Contraception!

Episode Date: February 23, 2023

Happy Friday! Join the gals to celebrate your money wins and answer a juicy money dilemma about setting money aside for a child. Plus, who should pay for contraception? You slid into our DMs this week asking this very question and the gals got thoughts! Get your tickets to our upcoming IWD tour here. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs.  Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708,  AFSL - 451289.See omnystudio.com/listener for privacy information.

Hello, my name is Natasha Nabanunga-Bamblett. I'm a proud Yorta Yorta, Kernai, Wolperi and Awadjeri woman. And before we get started on She's on the Money podcast, I would like to acknowledge the traditional custodians of the land of which this podcast is recorded on Awadjeri country, acknowledging the elders, the ancestors and the next generation coming through. As this podcast is about connecting, empowering, knowledge sharing and the storytelling of you to make a difference for today and lasting impact for tomorrow. Let's get into it. 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 is Friday, my friends, which means it is time to get our little team together and celebrate you, the incredible She's on the Money community. Today, we're going to be sharing our favourite money wins. We're going to be helping to answer a juicy money dilemma, which this week is all about how to put money aside for your children. And we're going to be unpacking something that you guys slid into our DMs about, which is, who should be paying for contraception? Bec, how's your week been? So far, so good.

It's because we've been talking about the spicy topic of contraception and who should pay for it, right? Yeah, it's going to get real heated, I think. I'm kind of scared, actually. Are you actually? No, you're not. Absolutely not. Are you scared of us?

Because we're the only ones here. Yeah, Jess, you're terrifying. We're all going to get cancelled? No, we're not. Or be heroes. You know what Beck's going to say? Beck's going to be like, be in a same-sex relationship. You don't have to have contraception.

She's a genius. That's a great point. Vita is the question. I'm not even gay. You're not even gay? I just don't want to pay for contraception. Does anybody? Oh, okay.

So you just date women for that. Yeah. Oh, I love that. And you know how much money I've saved? Zero dollars so far. Zero? You've saved nothing. Saved nothing.

But if I could go back in time, I would have probably saved all of that money. You should have just started younger, honestly. I know. It's what I say to all the kids these days. because it is a choice and I should have chosen to do that earlier. Yeah, absolutely. Absolutely. All right. Let's move on because I feel like that is a very, very steep, very slippery slope. That's true. Jess, let's move over to your side of the table. How has your week been?

It's been good. It's been warm and sunny, which I love. Been enjoying it. A little hot in the studio today, but I'm enjoying it. Oh my gosh, yeah. The air conditioner is broken in the studio today. So if we get a little bit delirious, guys, it's because it's 30 degrees outside and the air con is broken and Lucy keeps making farts in the studio. Yeah, I didn't want to say anything. No, no, not great. Maybe it's me. Jess, we've been really excited this week because what did we do this week?

We announced that two of our four International Women's Day events have sold out. I cannot believe it. Like that's literally hundreds of people coming to hang out with us. And we announced late last week, I believe it was, the gift bags. Yes, worth over $300. It's wild. and there are so many good things in it. I know we name dropped it last week,

but I'm actually just so excited. And I keep, this is so bad. You guys are going to be so mad at me or Rache in particular is going to be mad at me who's in charge of our events. I keep promising gift bags to my friends that aren't coming. So yeah, sorry about that in advance. So we've sold out Melbourne and Perth.

There are still very, very few tickets left, I believe in Brisbane and Sydney. At time of recording. At time of recording. So if you want to grab your tickets, head to the She's On The Money website. I don't know by the time this goes live if there even will be any left because it really was.

But we'll put the link in the show notes anyway and you can either buy tickets or you can see what you missed out on because you weren't quick enough. Yeah, sorry. But we're so pumped. We can't wait to see you guys. It's only two weeks away. I am literally so excited. Let's move on though.

Let's talk about our community money wins. Jess, you've round up the best ones of the week. What have you got for us? Let's start with one I have from Suze who said, Someone just down the road from me owns a coffee cart and was giving away almond milk as he was changing brands and I got a whole box for free. Oh, my gosh, an almond milk spino.

Yeah, alternative milk shall set you back. Oh, sorry, almond milk tastes like dirt, so it should be free. Are you all going to get cancelled? It's going to happen. It should be free. Who thought it would be over milk? Almond milk specifically, or as I like to call it, dirt water. Oh, my goodness.

People are going to come for us. Dirty nut water. My next win comes from Indiana, who said money win. Shopping for groceries online this week really helped me to stay within my budget and having my Flybuys app open to track things that I could get money off or gain extra points for while I was shopping ensured that I made the most of it. I feel like that's really smart because you are not getting sucked into that thing of like shopping when you're hungry. I do that all the time. Me too. And I always lie to myself and say it'll be fine.

It's not fine. Victoria, you didn't need two loaves of bread just in case. It's just not what you needed. Just in case what, I wonder. You know how sometimes you run out of the loaf of bread and you're like, oh, I wish I had a backup. And then I've recently been buying two loaves and putting one in the freezer yeah actually all right pretty smart I am quite intelligent yeah but you know what I don't buy when I'm grocery shopping I'm in milk that's fair yeah because it's dirty not water oh my gosh I thought you were going to say everything I needed which is me I go in with a list and come out with gum and chocolate um do you go in with a list I feel like you'd be a planner oh that's nice it's nice to know that I look like a planner but you're not not really

Like, I go in with a rough idea and I always come out with not what I need, you know? You let the grocery store tell you what you need. Exactly right. Rather than the other way around. That's why I think that shopping online would be better. Because you don't get trapped. You don't get sucked in by the good smelling bakery goods. Exactly.

My next money win this week comes from Jessie who said, Money win, I've almost completed a no spend fortnight where I've only bought the essentials, food, petrol, bills, etc. as I'm trying to not let lifestyle creep happen and the money I've saved is going straight into my emergency fund. Oh, I love that. Amazing. And I feel like that's something that we could easily commit to. Like, hey, Beck, can you maybe do two weeks of not spending? I feel like that's more achievable than, you know how people have like no spend months? Yes. I feel like to me, that's just a little bit too much. Whereas I'd prefer to be like, all right, maybe for the next two months

or three months, I'll just do like a week each month of no spend or two weeks each month of no spend because I don't feel like it's as restrictive and that could actually put you in a position of power and control. I feel like that's a good one. A hundred percent. My next money win is from Sky, who said money win, asked for a price match on dog food at the pet store and saved myself $48. Happy pooch, happy bank account. Oh my gosh. Actually, that's so good. Price matching is underrated. And I forget about it all the time. So this is my dog food story. Are you ready? Yes, please. The other day I walked into the pet store that is at the supermarket, which is like the one across, which is like, it's more expensive, but I was under a time crunch and I was with my husband,

Steve and I said to him as we went in, I was like, oh, don't bother. Like that's way more expensive than, you know, Pet Barn, which is where we usually go. And the woman across the counter heard me. I was mortified because obviously I didn't think anyone was listening to the conversation I was having with Steve, but she was like, we can just price match it. What do you usually pay? And I was like, wait, what? Like I completely forgot, but like she stepped up and was like, oh, we can just price match it. And I just looked it up on Pet Barn and she price matched it. And now I love her. Yeah. Saved herself the runaround. How good's Yeah, I was very impressed. But also, what a legend for like speaking. She didn't have to do

that. I mean, she's still got the sales, so maybe she wins. But I feel like that was really kind. I love that for you. Next money win this week is from Lucy, who said, I set up auto invest in Sharesies. It's a win because I don't have to think about it. And I feel like it's a great way to get started in the app. And we spoke about this really recently. We were talking about it, I believe in the episode, right? Or was it in the ad role? I can't remember. I feel like they mesh into one. We do these Sharesies ads, but I talk about Sharesies all the time. So which was which? We don't know. We don't know. But we do know you should use the code SOTM for a free $10 when you sign up. Oh God, she's good.

That was smooth. But auto investing is so clever because the dollar cost averaging that you can get out of that, but also just taking that mental load off, which I know via someone with ADHD, you're such a big fan of. If it's not automated in my life, it's not going to happen. It's not If it doesn't happen, I'm optimistic about it, but it won't happen. I love that. Well done, Lucy. Last money win that I have for this week is a cute one from Jasmine who said, I used flowers from my garden that my future hubby planted for me from seeds

instead of buying some for my bridal shower. What a happy coincidence that they bloomed in time and saved me a trip to the florist. That's actually really safe. That's really good. What is it, like hundreds of dollars? So expensive. I don't really want to talk about how much flowers cost for my wedding because I'm actually traumatized from it.

Like, I do feel like I have PTSD. I don't regret any of it. I don't regret one flower that I purchased, but I will not be sharing it because I am ashamed of what I did. Well, for future reference, anybody getting married, I was going to say future reference for you. And I'm like, well, you're already married. That's not helpful.

Hopefully it was my only wedding. Yeah, hopefully. Plant the flowers yourself. I feel like that's such a cute idea. I actually think that's really wholesome. All right, let's go to a really quick break because I want to dive straight into the money dilemma that we have straight after the break about whether or not you should put money aside for

your kids. And we're going to be discussing the topic of who should be paying for contraception, or Jess and I are going to discuss that and Bec's going to laugh from the sidelines. All right, don't go anywhere. Welcome back, everybody. This week's Money Dilemma is for the parents out there, or the parents-to-be potentially. I'm excited to hear about it. Hi there. Have you got a money dilemma you just can't solve? The She's On The Money team is here to help. every week we tackle your dilemmas both big and small to answer your most burning money career

and life questions to get involved simply head to our website and leave us a short voice recording and you might just find yourself on the show now let's take a listen to this week's money dilemma hi victoria my name's caitlin i'm 33 years old and pregnant with my first baby my husband and i would love to give babe a head start in life and hand over some savings We're looking at putting away maybe $20 a week into a bank account and handing this over when they turn 18. But we're not sure if this is the smartest move or if we should be investing in long-term shares instead. Any advice would be greatly appreciated. Thank you. Congratulations, Caitlin. That is so exciting.

It is literally the best thing ever. I am obsessed with babies, so I'm very excited about this. But I also think it's a really relevant question because it's really about not necessarily the baby at question, but more the time you've got to invest. So your baby's not going to be buying a car next week, Jess. They're probably going to want to wait until they're about 18. So let's use the timeframe of about 20 years as an example. Caitlin, you said that you were thinking of just putting $20 away each and every single week for your baby, which is really, really exciting. If you do that over a period of 20 years, which is what I've just decided to work on, those regular deposits are worth $31,200. So that's pretty good. Not too shabby.

But there's a very big difference between investing and saving. And while there's a lot to take into consideration, like making sure that it adheres to your risk profile and it makes sense tax-wise, we'll get into that in a hot second. I do think it's worthy of considering because if you're like, well, we're just going to save, like, of course your kid's going to be grateful to have $30,000. But if you decided to invest instead of saving over the same period of time, instead of having $31,200 at an average return of about 7.5%, which you guys know I prefer to use. We know that the Australian share market over the last 20 years has done about 9%. So that's quite conservative. At 7.5%, instead of $31,000, you're looking at $116,967.

if we use a really basic compound interest calculator. Now, obviously, if you're putting it in a savings account today, it's not going to look that sexy because term deposits aren't really a thing. There's no such thing at this point in time. Actually, I'll correct myself there. There is such thing as a quote high yield savings account these days, but it's really not that high yield. You're probably getting maximum of 1%. And on that 1%, you need to pay your marginal tax rate. So if your tax is at 37% or 37.5%, you're losing 37.5 cents for every dollar that you make in that because it is an income generating asset, right? And we pay tax on the money that we earn. And I think that's what people forget when they're like, oh, but it's earning 1%

there. Yeah, you're paying tax on that. And in addition to that, we've got inflation, which we know is crazy right now. And so to be a really negative Nelly, if you saved instead of invested at this point in time with inflation and how the world is working, you're actually going to go backwards in terms of what that dollar is worth. They always say a dollar is worth more today than it is tomorrow, which means there's a lot more power in today than just like leaving it somewhere until tomorrow to make a decision. So I think we really need to contextualize that. So investing is something I would consider because of the timeframe you have and the longer timeframe that you have, the more power you've got when it comes to risk, right? Because the more time you're

investing for, the less risk you're taking on. And we know that over a 30-year period in the Australian share market, if you stay invested for that long, there has not been an investor who's been exposed to the market for that period of time who has lost money. People who lose money during that period of time are the ones who get out or don't understand the share market or pull it out at a time that might not make financial sense. And I think we need to look at the bigger picture, right? So am I suggesting investing over saving? No, because that would be really irresponsible of me. But what I am doing is kind of saying, this is what option A looks like. This is what option B looks like. But then guys, the question often comes up around tax, right?

Because let's just play devil's advocate for a hot second. If you have the cash to be putting money away each and every single week for your child or for a future child, I'm going to take a stab in the dark and say, you're not on the lowest marginal tax rate. Like you're not in that position, because if you are in that position in this current economy, I genuinely believe that you'd be pinching pennies a little bit more. So we're going to assume that you have a higher tax bracket, if not well done, because that's epic, it fits into your budget. But if you're paying a higher marginal tax rate, you might start thinking, well, how do I make it a tax effective vehicle? Because obviously, if you have a higher marginal tax bracket, and let's just pretend it's 37 and

a half percent, because that's the most average at this point in time, it's a lot of money to be quote, losing, right? Like, and it's not actually lost. We're paying tax for a very good reason and we only pay tax on money we earn. So that's kind of sexy. But a lot of people will go, oh, if I have a daughter or I have a son, I want it to be in their name. And that can sometimes be really detrimental because if your child earns more than $417 in one financial year, they'll actually be taxed at 66%, which is way higher than any marginal tax rate for an adult here in Australia. and the reason they do that is not to shoot children in the feet but it's actually to make sure that the wealthy people aren't using their kids as tax-free vehicles to distribute income to

and then get it out around about the way. Does that make sense? Because that used to happen and this is like kind of a block to make sure that that doesn't happen. So if your child earns between $417 and $1,307, they'll be taxed at 66% of excess over $416. And if they earn over $1,307, they then get taxed at 45% of the entire amount of eligible income, which is a lot of money, right? And when it comes down to doing the maths, you go, oh, well, does that actually tax-wise make sense to have it in my kid's name, even though it sounds really nice? And that's where a conversation around the structure that you invest in comes up. And something that we haven't spoken a lot about on the podcast, but I think we should do a whole episode on, is actually an

investment bond. An investment bond is actually a tax-effective solution for people in similar situations. And there are lots of different companies that do this. Again, it's a financial product, so you do need to make sure that it makes sense for you and it fits into your life and maybe even talk to a financial advisor about setting it up. But essentially, an investment bond is designed to provide tax-effective investment solutions and can actually help you give financial security to your children at a lower marginal tax rate that doesn't impact you each and every single year. And often an investment bond can be seen as something that's quite set and forget because to get that tax-effective structure, you actually have to lock the money

in for a minimum of 10 years usually. So instead of having your 37.5% tax rate, a cap of 30% on average is applied to an investment bond, which is obviously lower tax. And that bond can be allocated towards anything that you like for your child. So it could mean that once they turn 18, it goes to them. Once they turn 30, it could go to them. You could say, is this for education? You could say this is for a future car or a future house. It could be literally anything. But the thing that a lot of financial advisors like with investment bonds is that they're super flexible. So obviously it can change the terms, they're tax effective, and they still provide a really good range of investment opportunities and investment options within that. So I think it's

one of those things that a lot of people don't know about. And if you've not heard of it and you're like, oh, I'm really interested in what other options exist for kids, maybe an investment bond is something that you could do a bit more research on. Sounds incredible. And if you want more info, we did also do a full episode called Setting Up Investments for Kids. It was a little while ago, but it's a really solid episode where you obviously touched on investment bonds and a few other structures and bits and pieces there. So if you're wanting to know more, if you're wanting to set your kids up, give that one a listen. Sexy, very sexy question. But let's move on to something less sexy. Let's talk about contraception. I feel like it's a spicier topic

than investing for kids and one that I think Jess and I are on the same page about, but I'd love to get your take on it, Bec. If you don't invest in your contraception, you're going to have to be setting up investments for kids, aren't you? It's a good point. It's a good point. Maybe if you're like, I'm not paying for contraception, you need the first part of this episode. Correct. We are people of the people. We're just here to help you. But here's the community dilemma we got in our DMs this week. So it said, hey, girls, got a little bit of a tricky one. I've been single for quite a few years now, but now I have a partner and we've been together for around seven months. The time has come up for my rod to be changed over. So I'm assuming she means contraceptive

rod to be changed over and I'm thinking of asking my partner to contribute to the cost. Especially now since not that many clinics are bulk billing. What once used to cost me $30 for the implant now costs me $240 including the insertion. I do get some back off Medicare but it's not enough to cover the whole expense. Am I being unreasonable and expecting him to foot some of the bill? Thanks guys. Interesting. How long does it, does anyone know how long a rod, I've never used that three years. So 240 over three years is not the worst. Yeah. I had one way back when and contraception is so interesting, right? Like I went crazy. Like I lost my mind on the road. Well, that's the thing. Lost it. Like I was actually probably committable. And so we had

to take it out. Not for me. If it is for you, really convenient solution, but that's a lot of money. Especially upfront. Especially upfront. And there's lots of more permanent contraception solutions, right? And they can be more expensive. And I'm super honest and open about having these conversations because I think the best way we can sometimes learn is through conversation and actually going, wow, like, oh, that's what Victoria had, or that's what Jess did, or that's what somebody else did. Because I've got so many friends who have just gone through the rods, like every three years, they just get it changed out and it really works well for them. That did not work for me at all. But I also couldn't have the pill because I was getting migraines,

which was really frustrating. And I ended up with the marina, but I was in the fortunate position where the marina that I got, I had private health insurance. So that could cover that cost because I had to be put to sleep because I hadn't had a baby before. So it's an interesting and fickle position, but I do genuinely believe contraception is a shared cost. Like at the end of the day, it's a cost of being in a relationship. And that should be, from my perspective, split. Jess, have you ever had this conversation with a partner? No, I've always paid the cost. I think the way that I felt about it was it's something that I like to be not that it wouldn't be in my hands if someone else was paying for it but it's it's just been something that I've

always been happy enough to pay using the contraceptive pill is thankfully for me at least very affordable I mean I guess you could look at it the other way like if you're using a form of male contraception like condoms would you be splitting that cost and if so I feel like that's a good way to open up that conversation with your partner and kind of say well would we just chuck condoms in the grocery basket and split the cost between us yes great maybe we should be having the same kind of perspective on a female form of contraception. It just depends on your situation. I think like, absolutely. If that's, you know, if it's a big upfront cost and you're stressing about it, it's well worth having the conversation because I think that the contraception

is for the benefit of both of you, presumably, like you're not trying to have a baby right now. So you both want that to be in place. And I think that merits a split cost. It's just not the way that I've personally done it. Yeah. I feel like, again, this is probably me just reading into it a little bit, but I feel like when I was single, contraception was my cost. It was me protecting me and making sure that I as an individual was okay. Then once I was in a serious long-term relationship, contraception was a conscious choice that my partner and I made. And when that changed from me protecting me and making decisions only for me because I was single and I had chosen to be on contraception. I did not want to have a child at that point. Once there's another person

in the mix and they're a part of the decision making process, I genuinely believe that's their cost. Like you can't just say, oh, my boyfriend of one month or I've been sleeping with this guy, he should pay for my pill. I feel like once it's a joint decision that you stay on contraception, then absolutely it's a joint cost, but it's a fickle one as well. And I think a lot of financial privilege plays into this because, you know, Jess, I know that you're similar to me in that paying for the pill historically, I was like, oh, it's 30 bucks a month. I can afford that on my salary. You didn't really think about it. And to be honest, it was just easier to pay for it because you had to go to the doctor. You just had to go past the chemist and pick it up. Like your partner

wasn't there to split the bill. Like you didn't even, let's just not have the conversation. I'll pay for it. Whereas if you're in more of a financially constrictive situation, you might go far out that's a lot of money and we really need to think about this and split the cost and I think that that becomes a far harder conversation to have because you're already carrying a bit of the burden of like oh I want to be paying for this but it's a lot right especially as you get further down the track and you know again financially privileged I could afford this and it was okay but after I got told no sorry Victoria you can't be on the pill you're going to have to find an alternative contraceptive method that got really expensive really quickly like the idea of

Marina I was like oh far out that's like one of the only options I have left I was like oh that's got five years on it there was like a copper coil option and that was 10 years but I was like these are really long-term solutions and I was in my mid-20s I was like oh I don't know all really expensive and a privilege to access but I also think that you know at that point in time I remember having the conversation and my partner actually offered to pay for it he was like oh I can pay for that. Like that shouldn't be on you. But I also am basically in a relationship with a staunch feminist and I love that. So good. Yeah. As you guys know, I don't have heaps of experience or any experience with any contraception ever. Your body must be thanking you. Yeah, seriously. You

lucky lady. I know. Like I just feel like, and I know this isn't a question of should women have to have contraception? That's not what we're talking about. That's not the conversation. No. if you have chosen to be on it yeah if you've chosen to be on it god it sounds like it does like hectic things to a woman's body it is crazy the way that like the perception is that one thing will work for everyone because i had a similar experience to you i went through four different types of pill before i found one that didn't make me feel like i was going insane yeah and like the surgery to get something implanted in your body like in you like that just seems so hectic and yeah that absolutely should be if you're in a long-term relationship a shared cost but i also

just think that, so like bulk billing now is not a thing really, and you have to spend like 200. It's just getting a lot more sparse. I think post-COVID doctors are, you know, back to seeing people in person and it's just more expensive now. And I was talking to a friend literally the other day about her rod and she was saying, oh, and exactly the same situation as our listener has said, oh, it used to be like 30 bucks. And I remember when I got my rod, I just went to a bulk billing doctor. They give you a prescription, you go down to the chemist, you pick up the rod under your prescription, go back for another bulk billing session and they'll insert it. And I was basically out of pocket, I think like 28 bucks. And that's for three years of contraception. So

like that's a good deal if it works out for you. And then I remember the same thing happened with my first Marina. I went to a fertility clinic in East Melbourne, actually, which I really recommend, really liked them. They were some of the kindest humans. They gave me a prescription. I went down, I picked it up. I came back and we literally went into like a surgery to get it done. And I think out like $157 for the first one. Then skip five years later and I was getting it changed. It was up near $700 to get it changed because obviously it wasn't bulk billed in the same way and things change and like, that's okay. But that's a very big difference from, you know, $158. I think that's what it was. And I can probably get the, we'll put it on Instagram at some point when I can find it.

But for five years of contraception, that's a pretty good deal. But again, another privilege to be able to pay that out right. I guess like back to my point like I'm I think that if both parties want the same thing then both parties share that cost but obviously it's not purely for you know avoiding pregnancy. Oh 100%. It's like you know making sure you don't get an STI or a sexually transmitted infection disease you know that kind of thing so that's also a thing that both parties should be concerned about and I guess we started this thinking we'd all have different views but I think it's the same. I think they should be split if both parties want the same thing if it's both of them. Yeah. And I feel like that's true. I feel like Jess and I are probably

falling down the route of contraception literally when it comes to fertility, because as females, in long-term relationships, you kind of go, all right, well, the pill is quote the easy option, right? You just take the pill. You don't have to worry so much. Yes, condoms exist. Yes, that is something that we could do. There's lots of different methods that people rely on, but I think that we fall into that because that's the one that is, from my perspective, is usually 100% in the female's control, if that makes sense. Like I have to go to the doctor and I have to get a script for me. Like my husband can't go to the doctor and be like, oh, like, you know, I'm just trying to sort out contraception. My wife and I, you know, want to be on

the pill. He can't do that for me. So I feel like I default to assuming it's that because both Steve or I could go and buy condoms if we wanted to or needed to. And again, I think it falls back to my original view of if I am in a situation where I am single and I was sexually active, I would see that cost as an individual cost, I would expect. And I would hope that women who are sexually active and single have protection with them and don't just rely on the pill. And they are looking after themselves and being smart about those things because you can't rely on somebody else to bring it to the table because you don't know them well enough yet. But you're right, further down into the situation, if the chosen contraception method is a condom, then that should be a shared

cost too. I think I just lean further on stuff that comes via prescription because it's just harder to get and it really falls down to being the burden of the woman in the relationship or the person who has ovaries, right? Unfortunately. Let it be known, I would be so thrilled to have to split the cost of a male contraceptive with my partner. I would love to put him on a pill. He can be crazy for a little bit and I'll pay for half of that. It's just not been, I feel like it's going to be an option soon. There's been a few things in the media about it. Do you remember like a few years ago they were like, oh, we're so close,

but the male contraception got put on hold because they had a lot of really severe reactions like nausea, headaches. Oh, did they? Mood swings and I was like, what? Oh, they had mood swings? We go through. Yeah, so like regular side effects. Literally.

Oh, I feel like women, no, no, we can't get into this because there's a whole conversation to be had about women and pain and all of that. But I think we're on the same page. If you're going to be sexually active, be smart about it. Yes. Full stop, end of story. We are just smart.

Do what you want. Be smart about it. Yeah. And share those costs. And share those costs. All of your sexual partners. And don't feel bad if you're going to bring that conversation up. Because guaranteed, if I had the confidence that I had today

when I was 22, 23 and single, I'd be like, oh, yeah, can we split contraception? And they might say, no, I'd be like, oh, okay, well, so you're ready for a baby? Yeah. So you're ready? I feel like them saying no to splitting the cost, red flag. Red flag. Red flag. Red flag. And you know what? That's a really good red flag because we'll get it done really early and I can yeet you out of my life. So see you, bye. And you know what? That's probably a good place to wrap the episode too, because I feel like Jess, Bec and I are going to go get a drink and probably get a lot more heated about this on this Friday afternoon. So have a really good week, guys. Have the best weekend. We love you and we'll see you next week.

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