She's On The Money - FRIDAY DRINKS: bringing Friday vibes on a Sunday evening

Episode Date: February 27, 2022

Hello and Happy Sunday friends, Before we get into the usually upbeat Friday Drinks Podcast you know and love, we wanted to take a moment to acknowledge the devastating conflict taking place in Ukraine and send our strength and support to anyone with ties there. You may have noticed we paused our content on Friday - there was no pod, no presence on socials and no newsletter - as it didn't feel right to be getting up to our usual antics in the wake of such disaster. If you're feeling a little overwhelmed and you're unsure how to help, we encourage you to head to these resources which we found really useful. (link: https://www.globalcitizen.org/en/content/ways-to-help-ukraine-conflict/). Now let's get into today's show.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 Infocus Securities Australia Proprietary Limited ABN 47 097 797 049 AFSL - AFSL 236523.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 is Friday, which means it's time to kick back with the gals and a bev in hand to unpack our favorite moments of the week. And of course, to celebrate you, the incredible She's on the Money community. As always, we're going to share our favorite money wins. We're going to talk about some super fun news, finance news, but also She's on the Money news. Spoiler alert, it's really exciting. And we're going to be answering a juicy, juicy money question. this week it's just me and Georgia King. It certainly is. Hello Jessica Ricci. How are you

my girl? I'm good. How are you darling? I'm good. Hey this is not the setup we expected today. It's not the setup we expected but it's the setup we got. VD was here very intimately. She's having internet issues. We did try to make it work but we got about three letters in every time and it just was not happening. So once again, we're back for a, what did we call it last time? Q&A with G&J? Was that it? Feels right. Yeah. So we're back again. If anyone's heard our last Q&A with G&J, we're taking the wheel. It's going to be a wild ride because there's no one here to control us. That's it. Yes, yes, yes.

But it's Friday. What's everyone on Friday if not a little loose? 100%. 100%. You've nailed it. Jay Rook, I believe the place we usually start is by talking about Money Mondays, a new thing, Money Diary Mondays. Talk us through it. What happened this week? This week, we spoke to a lovely gal, as always, and I really liked her story because she actually self-described her when she wrote in as just an average person, which, you know, sometimes it's not literally, but sometimes I think it's nice to hear from someone who's just plodding along. We try and really diversify these money stories and money diaries, but sometimes we get people saying, oh, I feel like I can't relate because they've done things

I haven't. And while the point, of course, of everything is to share different opinions and perspectives and places, sometimes I think it is just nice to have an average person. Yep, definitely. So, the diarist this week, she spoke a lot about her debt. She had some really, really soul-crushing debt in her earlier days and challenged herself to find the light at the end of the tunnel. And I think one of the parting things that she said in her episode was that she just wanted people to know that no matter who you are, you can get there. She said, I know it seems overwhelming. I know it's really hard, but there is hope. You just have to persevere. And that

really sat with me. I was like, oh my God, it's so true. And I've spoken before, I've been down that consumer debt rabbit hole. So many people in our community have as well. And sometimes we find ourselves in lucky situations where we have some money back from the ATO or an inheritance and that's so helpful. And sometimes you just have to slog it out and make sacrifice. And that is what she did. So it was a really, really good, I know she used the word average, but I'm not, I don't think she was average. I think she was incredible, but a really good listen if you're in a similar position. That sounds amazing. It was really, really good. But what did you guys talk about on the Wednesday Deep Dive app. What did we talk about, Jessica Ricci? Actually,

this week, it was all about inheritances, Jessica Ricci. So, we kind of discussed a few things, including like exactly what they are and how they work, but also what you're actually meant to do when you receive a huge lump sum of money. I mean, it's not always huge, but that it's kind of, it can be quite confusing for a lot of people if say you've just been transferred like 50 grand or something like that. It's like, what on earth are you meant to do with that? And people do tend to churn through it really quickly. And we kind of, we spoke about the psychology around money earned versus money kind of one, not that an inheritance is money one at all, but it's kind of that line of thinking. So, it was really interesting to delve into that. And we also spoke about guilt

around inherited money as well. So, it was a really interesting episode. And it's something that most of us will face. Let me just pull up the stats. So, boomers are expected to leave behind $224 billion each year in inheritances by 2050. So, there's a lot of money coming our way and it was just really helpful to kind of talk through what we should actually be doing with that money to make sure that we're kind of doing the right thing. Oh, a thousand percent. I remember reading somewhere that it's the biggest shift of generational wealth to ever occur in history, which is wild. And yes, some of us will inherit large sums. Some of us might inherit smaller amounts. But I feel like we don't necessarily consider the tax implications and those kind

of things. And as we've said before, VD specializes in dealing with clients with inheritances. So, I feel like the insight she had to share there would have been fantastic. It was primo. Give it a listen, for sure. But you know what else is primo? The money wins thread. Oh, segue. My favorite thread of the week. I live for this thread. It's so exciting.

Have you got some goodies for us this week, George? I do have some goodies. There were some really weird ones this week, which I loved. So let's get straight into them with one of my absolute favorites. So the first one this week, Jess, comes from Emily. We picked up a cubby off Marketplace for $50 and turned it into an awesome coop for our new baby chicks. That was rather than spending $400 plus on a new one. An even better money win, we then picked one up free

on Curbside Collection yesterday that we are going to paint and make into a chicken town. The one we got for free was $550 new money win. How good's that? Chicken town. The chicken town. Send pics, please. I love chickens.

Oh, my God, please. Chickens are my favorite. I don't know what it is about them. I think they're so cute. Third money win, I assume she's going to have eggs at some point as well. my mother well she's not my mother-in-law technically but my future mother-in-law um has three chickens and we have not bought eggs since she got them because they just go to town on the lane it's incredible are they some fresh some fresh cookies they're huge and

they're so much bigger than the ones that you get at the shops as well sometimes because obviously we're family so like who cares sometimes you've got to brush a little bit of grass and poop off for sure of course totally fine delicious oh stunning um we'll look forward to that emily The next Swing Jess is from Mackenzie. I've spent weeks searching for my favorite Burberry perfume as it has been sold out from Chemist Warehouse for months. At Chemist Warehouse, it is $110. That is a hot price.

But she wants to avoid buying it from David Jones where it's $224. Finally, she found it on Catch for $120. And then her brother ended up giving her money as a belated birthday present. So she used that for the perfume. It's a money win. Oh, my God. Incredible. That's a lot of money for a perfume, $200.

I mean, it does last you, but if you can get it for less, why not? Precisely. The next win is from Lani. I found a delightful cow kettle, a cattle, if you will, she wrote, for $38 in an antique store. I'm counting it as a money win because even though I hadn't really set out that day to buy myself a cow tea kettle, it brings me so much joy and I feel like it was still a very deliberate purchase.

I'm still saving for my house deposit but my future house will be filled with kooky beautiful items that make me happy that's definitely a money win I love that did you see the photo of this in the group oh my god yes so funny if you haven't seen it go look at the thread I die yeah it's amazing okay the next win here is from Tyler money win I paid off the debt I had chosen for January and already made my money saving goal for February so anything extra now goes for the next bill I'm working to pay off. Single mom life, so I am determined to stick to my goals for us. A wholesome money win there. The next win is from Claire. We watched a YouTube video as to how to unblock my bathroom sink. Offers on Airtasker started at $130, but I worked it out

on my own. Wholesome. A little bit of DIY. We love to see the ladies doing it for themselves. We do. Obviously, the line, like, don't rip the plumbing out of your wall. Don't do that. you would be surprised i think who was it i saw flex mommy talking about this the other day and it's it wasn't specific to this situation but she was saying google is so easy and in this day and age people i mean we we all do it we pay for convenience and there's nothing wrong with that but don't underestimate the ability to solve a problem with google like the amount of things that you can fix just by giving it a quick gook oh absolutely clearly she's done here and that's what, $130 in her back pocket that she did not have to spend.

Precisely. It's quite similar to like Dr. Google and things like that. Who needs the doctors when you've got Google? That was a little gag there for everyone. Okay, let's move on. Actually, between this, the chicken coop and the cow kettle, I'm not quite sure which is my fave, but let's hear it. Money win.

Sorry, it's from Sinead. Credit where credit's due. Money win. I forgot to buy potatoes during my grocery shop on Saturday as well as fruit. It happens to us all. Yesterday, I popped to the shops to get some fruit for the week and found two bags of Spud Light potatoes reduced to $1.80 each down from $5. So, I got double the potatoes for less than one bag normally.

How could you? This community truly just is my people. I know. I know. I think potato win. It could just be my favorite. okay that takes me to my final win for today jay rick so it's from melinda she managed to pick up a pretty much brand new dyson v6 for ten dollars to someone i know for someone who's trying to

navigate a relationship ending and buying my own things to my own place this was a huge win that's actually like insane that is unheard of that is clearly the universe going hey we know you're having a hard time. I got you that girl. Sending you lots of love. I hope you're doing okay through the breakup, but I mean, if anything's going to make you feel better, it's a $10 Dyson. Oh, 100%. What a gift. That is it for the week. Jay Rook, until next time. Immaculate as always. It's truly my favorite part of the week, that thread. I die. If you haven't searched it up, you can search Money Wins thread. It's pinned in the group as well. get amongst it. It's always a good time. We love. Alrighty, George. I know we normally

do a topical finance thing here. This is very topical to finance people within our finance community. So, I'm going to include it because I just, I need to talk about this. I'm so excited. If you don't follow us on socials, you wouldn't know. She's on the money of doing events. Yay, finally, we're back. It's been a long, long slog to get here. Events were planned and then they were cancelled. It's been a whole thing, so much going on behind the scenes that you guys wouldn't have even seen because we were a little sad about it. But we're back. We've got two events planned for International Women's Day as well, which just felt so appropriate. So we have an event in Melbourne on Tuesday, the 8th of March, and then an event in Sydney on Thursday, the 10th.

Both are celebrating International Women's Day, and we just have a banger of a day lined up. It is a morning event. We tried to make sure that it would finish up early, which is pretty typical of these International Women's Day events, so that you could pop in in the morning before work and not have to miss a day because we don't want to get in between you and making that sweet cash money. Okay. So, it's a morning event. There's one in Sydney. Yes. And there's one in Melbourne. Correct. I hear we've got some guest speakers lined up. Talk us through them. Oh, my goodness. Yes. So, we have two incredible speakers at each event. The theme this year, if you didn't know, is Break the Bias for International Women's Day. And we've really

tried to lean into this with the guests that we have coming on board. So in Melbourne, we have Ashley Streeter-Jones, who she's a writer, she's a speaker, an activist, of course, and she founded Raise Our Voice Australia, which is aimed specifically at boosting the number of diverse voices involved in public decision making. So we want females, we want our non-binary friends, people that we don't normally see being represented who should absolutely be getting a seat at the table and having their say and so Ashley has been a huge campaigner for that and she's been a really big driving force behind that campaign which you might have recently seen come into play about consent being now a mandatory part of school education which yes how we went

this far without that lord only knows but a huge change that she was a really active part of pushing so she will be just so incredible i'm really really excited to hear her chat and then also in melbourne we have maria tattle who you might know she's been around quite a bit recently she was on i'm a celeb she was of course miss universe yes i think it was 2020 and she's also of course been announced recently as the face of mardi gras so she's this incredible south asian media personality uh she's a huge advocate again for diversity incredibly talented she's a model a writer, a commentator, a speaker. And she really works to create meaningful dialogue and campaign for change as well, which we thought was so fantastic. She's also very funny. I follow

her on TikTok and she is just one of those women who really seems to have it all. She's gorgeous. She's well-spoken. She's very well-educated. And I often see a lot of discourse in her comments from the men just really coming for her. And she always handles them with such grace and such voice. So again, a really reasoned voice that I cannot wait to hear. And then in Sydney, another two fabulous women. We have Manal Al-Sharif who, oh my God, what a powerhouse. I'm dying to hear this speech. She, again, really influential, but she was a huge voice in advocating for women's rights and empowerment, specifically the Women to Drive movement, if you've heard of which was an absolute banger. The women to drive movement essentially encouraged women to step up

and quite literally put their foot on the pedal. In Saudi Arabia, women didn't drive. It just wasn't a thing. And this was very, very recent. She posted, I believe, videos of herself online driving, which as you can imagine, sparked some pretty significant controversy. But it was that action of hers that really facilitated that change and women to drive really swept across the nation and now they're doing it it's just it's absolutely incredible um she of course also has written a book on the same topic and just done a lot of other incredible work in that space so I think that that's going to be a really interesting one particularly because it's global you know we talk a lot about women most of our community is based in Australia I think

it's going to be incredible to hear a little bit more about how she really worked to break the bias on a global scale quite literally yeah wow that's so incredible and who's the second speaker our final speaker is tracy spicer who people i think might recognize because she's worked in journalism and broadcast media she accepted the sydney peace prize for her work on the me too movement and she actually also won the national award for excellence in women's leadership through women and leadership australia again just really campaigning for women the me too movement we can all agree was huge and incredible and is still huge and incredible and such important work and i think as a woman in media i'm not really a woman in media like

she's on the money i mean she's on the money is media but tracy was very present in uh traditional media so daytime television yeah and i think that there needs to be an acknowledgement of the amount of pressure that those women must feel to look after their jobs which absolutely should not be thing but you know it's towing that line of sharing what you think is right that what is appropriate and I can imagine that that would be really challenging to sometimes walk that line and we have heard women I think as this movement's come out more and more talk about that and talk about how sometimes they looked the other way and that's where this me too movement really kind of kicked off and and made some significant change in that space so she's a seasoned professional

She's been around for many years and I think she's going to have a lot of really insightful information to share with us in the community. How exciting. So, we've got amazing speakers. Vicky D will be there. You and I will be there. How exciting. Yes. And there's also going to be some freebies, which I am fairly excited about. I heard some whispers about some free oat lattes. Is this true? Oh my gosh. Of course. We know we all love a freebie. We love a money win. So, you're absolutely correct. There's going to be an oat milk latte stand, of course. very on brand. There's going to be breakfast canapes, of course, because it's an early morning and we have these incredible gift bags. If I do say so myself, they're literally worth more than

what you're paying for a ticket. So, you're making money. Are you allowed to tell us what's in them or is it like a surprise for the day? Oh, you know what? Let me give you a little insight. So, the big thing for us is we did not want this to be an event where it's like, here's a brochure and a pen thank you so much for coming so we've spoken to some brands and you'll recognize every name on this list because they're all brands that the she's on the money team use and love so my glow true the viral skin exfoliating glove that we're all obsessed with you're going to get one of those sirene skincare if you follow victoria she is obsessed with their foam to gel cleanser she got me onto it as well it's incredible you're going to get one of them alice kd are supplying

accessories our faves i know our faves literally the unofficial uniform of the sheets on the money team bang and body the moisturizer i don't know have you used it before yes girl oh that stuff is the best god it smells good so good so everyone's gonna get one of them our melbourne friends are gonna get a copy of frankie mag the team at benefit are giving us brow products yes you can drinks are gonna pop some alcohol free because there's no age limit on attendees so alcohol-free beverages in. And then we're also popping in the She's on the Money daily notepad and some stickers. You might've seen them floating around. You can't actually buy those. They're just something that we give away when we do giveaways and stuff. So, everyone's going to

get some of that as well. We're still chatting to a few brands. There might even be a few more surprises. If you are a brand that, you know, a friend of the show and you want to get in on it, slide into our DMs, but it's going to be spectacular. It's already worth over $150, which is amazing we're not going to send you home empty-handed we just couldn't do it no and jay rick you know what the best part i mean there's a lot of best parts to these events but the she's on the money community is going to have a chance to meet each other in the flesh and they really haven't had the opportunity to do that in the last two years like it's it's gonna be great it's gonna be great it's not even about like i'm so excited that we get to meet you and hug you and squeeze

you but i think outside of that there's gonna be a couple of hundred people in that room who share your interests and share your passions and we've specifically allocated time for people to meet each other and mingle and we're going to facilitate that in a way that it's not super awkward because as a socially anxious person I would hear that and be so afraid yeah so don't stress but we really hope that you can make some friends who are local to you that you can connect with and lean on because sometimes we do talk about in the community it can be hard working on those big goals right when you don't have friends who share that value or that vision and it's not a bad thing but everyone's on their own journey and sometimes you just want a friend that you can text and say hey

I got a one dollar bag of potatoes yeah you want them to celebrate yes 100% I can't wait so I'm assuming we'll put like a link in the show notes for the girlies to find out more absolutely check it out all the details are there Melbourne and Sydney tickets are available now they are limited and I don't mean to say that to be like you must buy please sleep on the purchase if you need to but I didn't want to just be like they're infinite because there are still capacity limits on venues and stuff like that so check it out if you have any questions slide into our dms let us know but we are so pumped to see you there I literally cannot wait it's all I think about every day and probably will think about every day for the next couple of weeks you and me both my girl um

should we head to a break? Yeah, absolutely. We'll be back right in a second. It is Friday, which means it's time to answer your most burning finance, career, and life questions. If you need help untangling a naughty dilemma, no matter how big or small, send us through a voice note to podcast at shesonthemoney.com.au and we'll help you find the answer you've been searching for. Now, let's press play on today's listener question. hi she's in the money team i'm in a bit of an awkward situation um so a really good friend of mine has asked to borrow two and a half thousand dollars i've actually been working my journey towards my financial freedom for some time and i often share my wins with her so she

knows that i can afford it i feel a little bit uncomfortable with the whole situation but i don't know how to say no without seeming like a bad friend what should i do all righty straight into it jessica richie what are your thoughts my girl it's a really tough one as i've said before i am someone who likes to catastrophize so i am fully on board with some healthy skepticism i do not think it's a bad thing it doesn't say anything about your relationship with your friend or how much you trust her but i think when we're talking about big sums of money it's important to ask these questions. So firstly, good on her. I personally, and I can only speak from my personal experience, especially because we don't have the finance expert here. We're just giving it a good

old punt. But I personally do not believe I would lend a friend this money. It's hard because it is dependent as well on circumstance. Like if your friend is potentially trying to leave a dangerous situation or I can totally understand where there might be that need. But if that is the case, there is also resources available to assist people so depending on what she needs the money for i think is going to really impact your decision and so if she's in a lot of debt put her in touch with our friends at the national debt helpline if she is in a dangerous situation go back and listen to our financial abuse episode there's a heap of resources in there that she can access that's applicable to any kind of abusive situation really

if she's just in a bit of a tight spot where she's overspent and can't afford rent this month I don't want to sound like an arsehole I really don't please don't take this the wrong way but I worry that by bailing someone out potentially you're enabling that bad habit there are very few situations financially where you can't get a bit of leeway so if she is late on her rent or on her bills she can actually just get in touch with her provider and let them know that she's experiencing financial hardship. I think that's an option a lot of people don't know is on the table. So, if that's the case, let her know that she can reach out and facilitate a payment plan or something like that. But as much as you say you can afford it, which is great,

you've obviously worked really hard to put yourself in that position, you have to consider the money you put out there might not come back. And again, very skeptical of me to say, I know that she's a good friend of yours and you said you trust her and whatever else. but I don't think you should ever put money out there unless you're prepared to not get it back because you just don't know. No, I 100% agree with you. If you're going to be lending really any amount of money to a friend or even a family member, you just need to know that it's not pretty likely, but there's a good chance you won't get it back. And there's kind of not much you can do about that. And we know that money and friendships and money and relationships with like family

members, it can get really sticky really quickly. And I find like people's relationship with money can also be quite confusing. Like I feel like people can kind of convince themselves that the money that they've been lent has been given to them and it's their money. Like they kind of can tell themselves these stories about that money. Does that make any kind of sense, Jess? Yeah, I think so. I saw actually a post in the group. It was a little while back now, but it was someone saying that she actually had lent money to someone that she lived with, and then they had a heap of packages coming to the house. And it's hard because I assume you're going to lend this money in the hope that it's going to some broad or important situation,

but then are you going to be fact-checking what she's doing you know if she goes out for dinner or goes out for drinks are you going to be questioning those choices because I think the other element to this outside of the potential loss of the actual money is the impact that it's going to have on your relationship because I mean is she going to pay it back in two weeks is she going to pay it back in two months is it just when she can afford it because I think all of those things factor in. And if she's like, oh, I'm really sorry. Like I can't afford to pay you back for a couple of months. Are you then going to be kind of watching what she's doing and getting frustrated with her? And is that going to kind of impact the way that you relate to each other?

Because I think you need to put some value on that as well. And I know that it's really hard. Like I know that she's asking this question because she doesn't know how to have that conversation or if it's okay to have that conversation. And it absolutely is, I think, the first thing we should probably say. Like, you were allowed to say no, it doesn't make you a bad person. But G, how would you maybe go about having that conversation with someone? Because as you said, it is very sticky. Yeah. As in saying no. Yeah. Like, let's say she's going to go, no, I'm really sorry. It just doesn't seem like the right choice for me. How do you reckon she could best have that chat? Oh, okay. So, you would definitely want it to be an in-person chat,

I would suggest. I think these things can get quite toxic quite quickly if they're done via a messaging app or service. So, avoid texting, avoid WhatsApp, avoid Messenger, because you know how we can all be. Tone gets missed and things get weird. So, yes, in person is the way to go. And I would just be really honest and upfront and really lean on the fact that you don't want this to jeopardize your friendship in any way because you value that way too much and probably just point them into the direction of the resources that could help them. If you're a regular listener to She's On The Money, as it sounds like you are, if you're sending us in your question, then yeah, you'll know, as Jess said before, that we have the National Debt Helpline

who we lean on all the time. And there are a number of services out there that can help. um and yeah as you said before jay rick like a lot of providers if she's behind on her bills or her rent they are often willing to give you a little bit of leeway if push comes to shove so i think probably explaining that to her and then yeah just really reiterating how special the friendship is and how you really don't want to jeopardize that would be my key takeaways and yeah doing it in person yeah is there anything you'd add to that yeah um i think i would just say if you're a little wuss like me and not great on the confrontation front, depending on how much, I guess, of your financial journey you've shared, don't be afraid to, I don't want to say lie,

I'm not going to say lie, but just fabricate some truth in the sense of you don't have to justify this decision or every dollar that you have. So, if you're really worried about hurting her feelings or anything like that, you could potentially just say, hey, like my money's actually tied up in stocks or it's in a high interest savings account that I can't access or I'm penalized if I access it. Just because you have money or you have assets doesn't necessarily mean that you have easy access to it. And again, you don't have to justify that to someone. So if you are someone who has a little bit of trouble in those situations, something like that might be helpful obviously we don't condone lying on the reg but you know just adding a little bit of mayo

a little bit of mayo to your story to preserve a friendship i think can be worthwhile and again going into it if that's what you're saying and saying hey like i actually can't help you but here's a heap of resources that can like i found the email or the phone number or um did you know you can call your bank to get a pause on your credit card repayments or anything like that you know it's incredible that you want to help her that's really generous and really kind but you also are not obliged to put yourself in a situation that you don't want to be in financially yeah and I think also like it probably is a really big deal for this friend to be opening up to you and saying hey I'm not in a good financial position can you help me out like that's

they're putting themselves in a very vulnerable situation so just listening to them and maybe even lending them some of your she's on the money expertise, suggesting they listen to the podcast to try and get their finances on track. I think they can be really helpful things as well. So, just, yeah, be very kind as always. But yeah, it's a tricky one, but two and a half thousand dollars, that is not play money. Is that the expression? No. That's rigid edge cash. Yeah, exactly right. And I think it is like we're talking very generally, but very dependent on the situation, seeing if you can help in other ways. Do they need help with putting together a budget or do they need help with maybe figuring out how to cut down their expenses? There are other ways

that you can definitely lean into helping her save money that don't require you coughing up your own cash. Yeah, 100%. Jay, Rick, I feel like you had some very good ideas as you always do. Who needs Victoria Devine? I think it's the Jessica Ritchie show. Stop it. The G&J show, we're coming for you, but also not really, Victoria. We miss you. Please come back to us. Get that internet sorted, woman. Amazing. But just before we head off, we'd like to acknowledge and pay respect to Australia's Aboriginal

and Torres Strait Islander peoples who are the traditional custodians of the lands, the waterways and the skies all across Australia. We thank you for sharing and for caring for the land on which we are able to learn. We pay our respects to elders past and present and we share our friendship and our kindness. And remember, guys, that the advice shared on She's on the Money is general in nature, especially today,

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 a financial decision. And we promise Victoria Devine is an authorised representative of In Focus Securities Australia, Proprietary Limited, ABN 47097797049, AFSL 236523. I can't get that right.

The floor was all off. Oh, thanks, girl. We'll get there. We'll get there. see you next week guys bye