She's On The Money - FRIDAY DRINKS: to split tips or to not, that is the question

Episode Date: December 16, 2021

This week we discuss all happened during the week, but also we discuss whether splitting tips is the expectation, or if you should keep them all yourself?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 is Friday, which means it is time to sit back with the girls with a bevy in hand to unpack our favourite moments of the week and, of course, to celebrate you, the incredible She's On The Money community. As always, we'll be sharing our favourite money wins, we'll be discussing what's making

news in the finance world, and we'll be helping answer some juicy money questions, which this week is all about Hex. But first, it is time to recap the week that was Miss Jessica Ricci. What happened on Monday's Money Diary? Well, on Monday, you and I got to have a chat with a diarist. So exciting for me. Really fun. We chatted to a beautiful human who had her identity stolen a couple of years ago.

I always want to use their names. I always want to be like, we chatted to Jess and she was so kind. But you can't use their names because anonymous. She was a delight. Her dog was named Pumpkin, if that's of any help. but she yeah she had her bag stolen and it was there was a really big gap in between that incident and her realizing that her identity had been stolen and so there'd been all of this time for the damage to be done and it came as a real surprise to her which of course would have been

so terrifying for her and she shared some really great insight and tips on to how we can prevent that from happening to us because you know as she was telling us what had happened she was like I wouldn't wish this upon anybody no it sounded horrendous you know you can prevent it it sounded awful you can prevent it and she yeah shared those ideas which i think is so worth knowing for anybody because you always think it'll happen to someone else but never to you um but you just really never know i was really stressed listening to her story because i thought that you might have been a little bit silly if you were getting your bag stolen and your identity stolen like you'd left something out, but she literally left her handbag in her car for 30 seconds while moving

some furniture. Exactly. Like these people are planned. That's kind of terrifying. The fact that somebody not only was like, okay, cool, I'm going to steal a handbag, but they've seized the opportunity in the window. She wasn't there. And not only just taking the cash from her wallet, but literally applied for loans in her name and gotten a phone in her name. Like that's terrifying that somebody could pretend to be me. Yeah. Such a split second decision that she wouldn't have thought about. She would have been focused on what she was doing. The impact that it had on her for months afterwards, it just blew my mind. Gals, how much money did she lose? I know I should listen to the episode to find this out, of course, but like- Oh, thanks for admitting you

don't listen to our podcast, George King. It's fine. Did she lose heaps of money or was it more just like a great inconvenience? So thankfully, I'm not going to spoil it for everybody who has not listened to it yet and plans to, but thankfully she was able to get out of a lot of the debts because she was really on top of it. So when it happened, she went to the police and really well documented that things were stolen. She actually kept a notebook of what happened and when and where so she could prove that it wasn't hers. And the bank that the loans were taken out in actually waived it all, which is very kind, but that's not actually the reality that happens to a lot of people. Sometimes we don't take note of it. Like I'm not going to lie. That would probably

be me. I wouldn't have the foresight to take notes of when things were happening. I would have my bag stolen, probably tell the police and wonder what happened. I don't know. I feel like she was just really well organized and planned, which is something I probably wouldn't have been, but that's why we should learn from this story. George, back to you though. What happened on this week's Deep Dive? So, on Wednesday, it was the last of our jolly episodes. We spoke about how to host a cost effective Christmas. So there were lots of tips and tricks in there as always. LDV as always got many shout outs for their many fabulous products. Not sponsored, just good. Correct. Correct. The Choice, La Mule. Everything, honestly. Do your Christmas shopping at Audi.

Like, honestly, we should slide into their DMs, guys, and be like, do you want to work together again? Because we've essentially been working while we haven't been. A one way relationship. Yeah, it's okay. They're the best kind. Exactly. We also spoke about like clever ways of setting the table, which was fun. I gave the Instagram handle Pastor Mama. She has incredible style, very chic.

And you recommended someone, V, can't quite remember who. George Eats. Who was it? No, not George Eats. It was Studio George, but George Eats is also epic. She has very good FODMAPS meals, which I love. Most of them are plant-based, which obviously I adore, but Studio George, there's a lot of Georges here.

Georgia Presenting, George Eats, and then Studio George, who is very, very well curated. Like her tablescapes, primo. I think I've spoken about her on the pod before. Probably. Probably. That's all right. But segueing away from the Georges that were to George's top money wins of the week. George, what was happening in the Facebook group this week?

Okay, there was a bit happening. The thread was popping off this week. As always, let's be real. So, my first money win for the day, ladies, comes from Jen. So, her old super fund discovered they'd made a mistake and they sent her a letter to say they owe her $4,500. Hello. Yes, please. I want that to happen to me. Oh, no, actually, I don't want my super fund making mistakes. I'd much prefer that I get the money I deserve, but I'm very glad that when they did make a mistake, they made it right. Exactly, exactly.

Our next one here is from Amanda. So she hates calling up and speaking to companies on the phone because it gives her major anxiety. Same here, my friend. But she sucked it up and contacted her health insurance in regards to changing her policy to reflect what she's actually using instead of just paying for stuff that she's not. She went from paying $136 a fortnight to $39 a fortnight.

Oh, good money win. A huge money win because she's on mat leave. So heaven. Oh, epic. now trista she paid over for okay i went in way too excited with that one this is actually a money loss so okay that's all right we're not going to edit this out no that's all good tell us what your money loss is george so trista had a money loss she paid over 500 for a cut and color at what looked like an amazing salon but they cut off 30 centimeters of her hair when she only asked

for 10 to 15 centimeters a comet occurrence that's a lot of hair that's a lot of hair uh the color also didn't blend at all and her hair is missing a chunk on one side she's out of pocket and she's really upset I wouldn't have paid not a chance what do you do though I wanted to put this to the gals what do you do not a chance I would be asking for a refund I would be crying I would no no can you ask for a refund absolutely you can um so the thing there is I feel like hairdressing can be fickle right like nobody likes a trim like I have long hair and I get anxiety going to the hairdresser because I never want them to take off too much because I've been trying to grow it out over the last couple of years. And I now feel like I've got to the length

I like. I don't want you taking that away. I worked hard for this. But when they take more, sometimes it's because of health or whatever. I'm not going to get into it. I'm not a hairdresser. But if you go home and you're super unhappy about it, I think that there's a lot of power in you calling them the next day and being like, hey, I don't mean to be that guy, but it's been 24 hours. I didn't want to say anything at the time because I wanted to sit on this and just make sure that it wasn't me just you know not liking change because people don't like change but I'm really unhappy with my haircut don't feel like it sits right either fix it or refund it is that an option and they're very likely to ask you to come in so they can have a look I would then go in and be

like yeah like this ain't it so I just feel like you do need a little bit of confidence asking for that. But I also do think it's very fair if the hairdresser's like, oh, can you come back in so they can have a look? You can't just get a refund because you asked for one. I don't know. I just feel like that would be fair. And hopefully if they're a good hairdresser, they probably didn't mean to do that. Like no hairdresser would mean that, would they? Surely not. But what if Trista's like a people pleaser like me? I feel like, you know, the hairdresser could like shave my hair into a dolphin shape and dye it pink. And I'd be like, I asked for a, for a curtain, for a curtain fringe, but this is stunning. Thank you so much. Here's my money. You know

what I mean? Like I totally get it. No, I totally get it. And I think that people pleases. I used to be one and sometimes I still am one, but I think that there's a lot of power in you going, no, you know what? I didn't get what I paid for here. Um, and being assertive about that. And I also think there's a really big difference between being assertive and being aggressive. Like we don't need to be aggressive, but it is very fair for you to say your piece and say, hey, I didn't actually ask for a dolphin haircut. I've gone home. I've thought about it because I never want to say anything in the moment.

Like you don't have to go home. You could say this in the moment, but like I do not have that confidence, my friend. I need to sit on this for 24 hours and hype myself up and then I'll make the call. But I promise you most hairdressers are going to be like, oh my gosh, I'm so sorry. That's absolutely not what was meant to happen, especially because if you went to a fancy salon, which I'm assuming you did because you paid so much money, they're probably not going to answer the phone. You'll probably get the salon owner or the receptionist or whatever, and you can have that conversation with them and go, hey, I had a haircut yesterday. I'm

really unhappy with it. I just don't know what to do about that. They'll have a process. You won't be the first one, I promise. And I just think that there's a lot of power in you putting your hand up and being like, no, I didn't actually get what I paid for. And I paid a pretty big amount of money for this service. Definitely. Okay. So Trista, there is time to turn that money loss into a money win, we think. But George is going to get her hair cut into a dolphin now for everybody. Well, I mean, if someone does it to me, I won't complain. So, challenge is out there. You would after having my hype talk though, wouldn't you? Yeah, no, that's true. That's true. Okay. Continuing on with the hair theme,

actually, our next win comes from Hannah. So, she almost bought a Dyson Airwrap full price, $799 they cost apparently. So expensive, but they are, they're the love of my life. and Jess's life I believe you're both big fans of the old Daiso oh yeah sorry Jess just a groan of pleasure when I think about it the Airwrap I love it the love of my life we've never been sponsored by Airwrap but I would welcome it with open arms I feel like we'd be really good at it Jess I could sell that yeah a thousand percent give us an Airwrap to give to the community like I know that the people want it well you know who wants it Hannah but not anymore because she bought it. She bought her own. Let's not talk about it. Hannah ended up buying one two days later for

$598. So, it's a bargain of sorts. Still expensive, but a bargain ultimately. Look how excited we are about Dyson. But remember that time, Jess, you got yours for like $550 because you were like a super hustler and like got shot back on it and a discount and you were just some kind of wizard. It was thanks to someone posting that in the Facebook group that I got that deal. But it's funny you mention it because we posted on our stories last week. We did a little end of year finance quiz that you could do on your Instagram story and fill out it's in our highlights if you would like to do it um but I obviously filled it out of course and one of the questions was what was your biggest money win and I said the Dyson and the amount of DMs I got from people saying

how did you get a $550 Dyson I feel like $590 is still incredible thank you for sharing oh I love it are they definitely worth it guys because that's to to old G over here that sounds like a lot of cash for a little hair it is a lot of money I think it wouldn't be like I'm gonna be honest Jay I don't think you'd find it worth it because you don't curl your hair like you don't curl your hair you don't style it all that often you're just naturally really hot so you don't need it like Jess and I do but who are not naturally hot we're not naturally hot it's just really it's really unlucky but thankfully Dyson exists no so for me I style my hair every day Like I am actually, I'm a bit of a wizard at my own DIY blow dries, but they take a while and I'm

not nearly as good at them as the hairdresser. Whereas my Dyson, it literally looks like I got my hair done in a salon every day. I mean, it took a little bit to get used to the air wrap. And I think everybody who owns one will say, yeah, no, definitely takes a bit of getting used to, but that has paid itself off dividends purely because every photo shoot I've had, Every meeting I've had, I've looked like I've had a fresh blue wave. Like the other day when we did our Christmas shoot, George, I just did my hair before I arrived. I didn't have to pay for it to get done. Genius. There you go. If Dyson aren't sponsoring this episode, they really should be, shouldn't they? Honestly, they step it up, Dyson. We're here. We're waiting.

Our next money win is from Amy. So, after spending over $11,000 this year on Afterpay, she finally closed her account and she's realized that she cannot be trusted with these types of apps. Oh, that makes me so happy. I mean, it doesn't make me happy that she spent 11 grand, but she's come to the conclusion that that's just not helping her. How good is that? She's going to live within her values. 100% we love. The next one is from Lily. So she now has enough emergency savings to get her through December, January and February. And she's not worried or feeling guilty about leaving her toxic workplace. And she gets to enjoy Christmas without having to worry about not being able to afford things. Oh, I love that. That is the level of

financial freedom we all aspire to have. 100%. Our second last one here, ladies, is from Wendy. So, she paid off her car on Friday around 11 months early. She was funneling over twice the required repayments by the end. And to finish it off, she now has so much more spare cash to funnel towards her last credit card. Oh, my gosh. I love that. Finally, guys, Amy says money win. I bought an apartment. She really started smashing the savings goals when she started listening to She's On The Money at the start of the pandemic. And now it's time to go and smash out the mortgage, she wrote. Awesome. Check you out. I love that. George, did you say that was our last money win that you were going to share? Correct. Oh, but you missed one

from joe what did i thought that was the best one i missed it all right so joe had three money wins this is just me weaseling it in and you see exactly why i want to weasel it in because it's quite self-serving georgia so joe said money win times three i don't think i've won anything on instagram before but she won these amazing cakes from rosemary andrews last week which she uploaded a picture of and that looks stunning she then george scored a free ticket via she's on the money to the my millennial money live podcast episode that was on in melbourne last friday night and when she was there she scored a copy of my signed book the event is that not the best money when you've ever seen it's cake it's podcasts it's my book like come on

george you had one job no that's brilliant apologies sorry joe loved you joe bye all right we're gonna go to a break and right after that we're gonna get into the listener questions see you soon all right we are back and georgia this week you said you had a listener questioned for us about hex was it yes indeed indeed we also i wrote us a little intro do you want me to read it out yeah read out read out the little intro maybe we'll use it officially soon yeah yeah next year. New year, new us. Till then, it is us being us. Okay. So, it's 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 a voice note through to podcast at

cheeseonthemoney.com.au. Pretty sure that's the email and we'll help you find the answer you've been searching for. Now, let's take a listen to today's money question. Did that bring back the memories. I like it. Let's listen to this week's money question. Hi, she's on the money. I had a question about paying your hex debt as you accrue it. So I've seen that as semester rolls around, if you pay your hex debt for that semester upfront, you get a 10% discount. So hypothetically, if you had the cash sitting in your bank account, do you think that there's benefit to paying that HEX debt off early instead of investing it. I certainly cannot do an accent, so sorry to disappoint on that front. Thanks. So, what did we think, ladies? I feel like we

talk about HEX quite a bit on the podcast, but I've never heard of this 10% off situation. What's the deal? That's because it's only semi-new and I don't mean it's never existed before it has and then it went away and then on the 1st of January 2021, it came back and is now something that you absolutely have access to but before I get into my deep like this is my thoughts feelings values and beliefs Jess George what do you reckon um I I mean I guess it depends like you've got to look at what would you be doing with that money otherwise like would you be investing it would you be saving it what's the rate of return on that gonna be as compared to the discount um I know that Hexter is good debt so like we don't hate that it's there but I also know for

me personally, like as a human, I hate the idea of having debt sitting there. So, I would find the discount coupled with the fact that it would just mean that the debt would be extinguished would be super appealing to me. But I also know that it might not be the right choice for everybody. Yeah, no, I absolutely agree. And George, do you think that would be something that would help or hinder? For me, I wouldn't be paying it up front. Like it's a debt that doesn't accrue interest over the journey, right? There's no pressure really to pay it off sooner than later. There's no benefit in doing that. Obviously, the 10%, like that is significant when we're talking about debts of like 30 to 50 to 100 grand, depending on what you're studying and how long for.

But for me personally, it's like a small sum that comes out of your pay every fortnight or whenever you get paid. And it's just not significant enough for me to choose to get that lump sum removed upfront instead of just paying it off slowly. Yeah. Yeah. Yeah. Both of those are super valid. And I'm on that page, to be honest, at university, there's absolutely no way I could have afforded to pay it off. And the upfront payment is a payment that you're making while it's happening. So it's kind of like, I wish that my payments were getting 10% off now, but they're not. And that's not actually how it works. And there's no way I could have ever afforded to pay my university degree while at uni because I was living life and just couldn't

afford it. But I also think that some people are going to look at this and be like, that's 10% interest, whereas it's not. It's actually 10% discount if you pay up front. But I think that's actually a privilege that not many of us can make use of. But absolutely, if you can pay it and that is something that you want to do and you want to be paying for your studies while studying, go for it. It is a really good money win at the end of the day. It's 10%. You're getting 10% off, but you have to make an upfront payment of $500 or more towards units of study with the same census date or make an upfront payment equal to 90% of your student contribution amounts, then you'll receive the 10% discount, which is actually called the HECS

slash help upfront discount, which is really nice. But at the end of the day, that works because it increases your upfront payment by 10%, which means that you'll pay less for your studies if you pay $500 or more upfront, and the government is actually paying the other 10% directly to your provider for you. So, like, that's a nice money win. But again, as I said, it is not something that a lot of us financially are able to access. Question, if we're paying this amount upfront, if I'm doing, say, a three-year degree, am I paying for three years all at once? Because that's a lot of money. No. So, what happens is as you enroll, you will get an invoice essentially every census,

which is every year or every, I think it's semester that you enroll for. So, say if one semester, Jess, you're like, I'm going to enroll in four subjects, you'll get an invoice for those four subjects. But instead of paying that invoice for your studies, you will actually nominate your help debt to pay off that. So, to get help, you actually have to apply. So, it's not just something that everybody can access your degree actually has to qualify and the government has to agree and so you sign up you say yep great it's on a commonwealth supported place and then you can start getting the government to pay those invoices that you get every semester okay got it because i guess my ongoing thought from that would be what about the people who change yeah no it's so common

but no so you just pay unit by unit and that's why people would say things like oh well actually I only have half a degree. Like I just have 10 grand of hex debt because I never finished my degree. It's because it's only done per unit finished. And then a university degree is made up of a certain number of units. It's usually between 12, 18, or maybe 24, depending on how many units you're doing in that particular degree. And then once you make those 12 units up, based on whatever is compulsory for you, that's when you achieve your degree. And that's why so many people can study different things but still have the same degree because you have to achieve a certain number of units in a core amount of areas. Super interesting. Well, that is a really

handy thing. Super privileged, I suppose, if you are able to pay it. And I probably should have said that before I gave my answer of being like, I'd do it. I mean, in a theoretical world. But there's no way, like I totally get it, but there is no way I had more than $500 when I was at uni to go towards my studies so for me I was always like great but I do remember and maybe this is just the circles that I was in I remember the people that were paying up front they're like oh my parents say I have to pay up front because you get 10% off I'd be like cool like we can't afford that it would always be because their parents were paying for their degrees like I don't know any person that is my age that personally paid for their degrees themselves while studying it

was always like a parent or a grandparent, or they had some level of financial privilege that was paying for that. And that's really great for them. I'm not saying that's a bad thing at all. I'm just saying, if you're looking at this and feeling a little bit guilty that, oh my God, I can't access that, like girl, same, like same. Dumb question. Did you not just say that this just came into play, this discount? No. So, it was in play, then it went out and now it's back. So, as of the 1st of January, 2021, the help loan discount is back, but there was a period of time where you couldn't get it. So, back when I was at uni, which was 10 years ago, that was actually a thing where you could pay upfront and get the discount. Then it went out. I don't think my

little sister had access to it. And then now it's back, which is really, really nice. But again, massive privilege. Do not feel guilty if you can't access it. Well, there you go. Lucky you, if you can access that. I wish I was that organized with my finances when I was that age. Not a chance, Jessica Ritchie. Couldn't have done it to save my life. In fact, I think I was negative. Like, I was in debt during uni. So, yolo. Going backwards. Speaking of really significant sums, though, I saw a super interesting article that I thought we could chat about because I believe all three of us have a hospo background. We do. I miss my hospo days. Oh, I don't. Oh, really? I loved it.

I mean, my experience was really niche. I worked at a theater restaurant. Oh, my gosh. Oh, yes, she did. Right under the bus for Jessica Ricci. Oh, my God. It's super embarrassing. Jess, which one? Which one did you work at? The Titanic themed restaurant. To this day, I hear my heart will go on and I want to beat my head against the wall. It's just so true. Wait, Jess, didn't you need to like at halftime during dinner or something, halftime, you would have to like go out and do a dance or something as the waitstaff. What happened? Yes, there were dances. At the end, I mean, spoiler alert,

I don't even know if the restaurant still exists. No, it still exists. It's still a thing, Jess. In my day, at the end of the show, you would hit the iceberg. It was very dramatic, but happy days. The Carpathia saved you and you made it to New York and they would play New York, New York, and three very unlucky waitresses would have to get into this big boat costume and dance around the room to New York, New York. It was awful. Anyway, moving on. Did you have to dance around in the boat costume often? There is absolutely photographic evidence of it somewhere on the internet. I have heard on the grapevine that there might be pictures that still exist. So,

for those of you who would like to do some snooping, fair game. Please share it she's on the money if you find it. But if you did all of that work, Jess, did you get tips? Come on, at least you were getting tips or paid well, at least. We did. And the way that we did it was you would have a section, you'd look after it. And if you got a tip, like amazing, because you've given great service. Here in Australia, tipping is not a requirement. It's not even super commonplace. I think it's more just if someone gives you an exemplary service, that is when you would tip them kind of as a thank you. But this article that I was reading, a woman in the UK worked at a restaurant and they operated on a similar system where if your section tipped you, that was your

tip to keep. And she looked after a table, obviously did a fantastic job, got chatting to them about her student loans. And these people were super incredibly kind and left her a tip, which was £4,000, which is the equivalent of about six grand here in Australia. So much money, how incredible. And they said to her, we want you to pay off your student loans. How sweet is that? But imagine, okay, so like, that sounds great. But like, I just want to put my shoes in the place of the person who gave that tip. Like imagine going out for dinner and having the financial freedom to be like, I really liked her. She deserves to have her student loans paid off and you could tip somebody six grand like I could never in a million years afford that

but like imagine being in that position that would just be cool I know I mean getting it would arguably be cool as well but like from my perspective I'm like how cool is that that people are so generous I know that's the life that I dream of living but uh travesty strikes because her supervisor or her manager said the tip's so big you need to split that with everyone on the floor, which, yeah, I mean, I don't know how many people were there, but like a typical restaurant, let's say there's at least four or five other staff members that are looking after, if not more. So, that six grand suddenly becomes a thousand dollars for everybody, which it was super controversial, the article online really like splitting people up. And I wanted to get

your thoughts as former waitresses. Is it okay? Is it not okay? What do you think? I worked in a couple of restaurants. So I have done all of it, I think. So there are a few restaurants where we just pulled tips. So any tip you got went into essentially a tip jar. And at the end of the night, it was divided equally among everybody, which to be honest, as a waitress, I really liked because I felt like it was quite fair. And I'm one of those people that always wants equality. Like I don't want more than you got because I'll feel guilty. and I really liked it because the kitchen staff also benefited then as well so those people that weren't out on the floor being able to get tips they would always be able to take home some tips

which I always thought was really cool um so for me that was nice but I also worked in restaurants where whatever you were tipped personally was definitely yours and I feel like they were more high-end restaurants when I was working in them like I definitely couldn't afford to dine at them at that point in time. And whenever you got tips, it was usually because you were like waiting on that person for the entire evening. Like we're talking like rock ball style venues, but it was all different. G, what'd you do for tips? I don't, I don't really remember getting tips, but I'm sure they, there would have been some floating around. Um, but I definitely don't remember them ever being divvied up, but I think maybe they pulled them and then we would use them

for like the Christmas party. And I'm sure the bosses just pocketed the rest, but I kind of have mixed feels on this as well. Obviously the stories out of America where their tipping system is very different to what we have in Australia. Like it's a massive part of their income, right? Like what you're making tips is more than you'll earn. Jess? Oh, sorry. I said the UK. It was actually America. I wasn't going to correct you, Jess, but I was like, everybody will get what we mean. doesn't matter. But in the US tips are a massive deal, right? So I kind of, I feel like for this lady, like she obviously did a great job. She earned those tips, like she should take them home. But then on the other side, if I feel like if I was in that situation, again, little people

pleaser, I'd be like everyone, a thousand dollars for everyone, you know, because I just want people like i am but given it was given with purpose and jess you've done us a dirty you haven't given us the full story the reason this is so interesting is because she got fired for not sharing the tips she actually lost her job and in a comment that she made she said i've been working at that restaurant for three and a half years and at no point in time have we ever split tips with co-workers so i feel like that's just a bit unfair to bend the rules because it's big enough I know it's crazy and it's a lot of money, but at the end of the day, if that was the rule at the start, it's very easy to just say, okay, no, well, it's hers. But I would think that she was

doing us the dirty if she wasn't sharing it when it was always a history of sharing. Is that fair to say? Once the rule's set, it shouldn't bend? I think so. Yeah, I think so as well. Yeah. I don't know how I would have dealt if sometimes we were splitting tips and sometimes we weren't, because people are awkward around money. Like, just make a rule. If you split tips, you split tips. If you don't split tips, you don't split tips. And it's not talked about. Like, I don't know. I just feel like that should be more upfront. Is that something that when you get a new job in hospitality, you discuss with your managers? I've never had that conversation. I would always just

come into restaurants as quite a young waitress and be like, oh, what do we do? Like, just copy everybody else. Like, I've never had that conversation, I don't think. I feel like it's usually whoever was training you or showing you the ropes, it'd usually be something that was covered by them. They'd be like, oh, this is how we do it. But I think to flip the narrative as the tipper, if you have done, you know, made that tip, which was incredibly generous, $4,000, you know, is a lot of money and they've done it obviously because they liked this girl and they wanted to help her out. I feel like I would be low key, a little bit annoyed that I had spent all that money on and it wasn't going to where I wanted it to go.

That's actually a really good point to that story. Like she was tipped with purpose and if it was specifically meant to go to her, I think that that actually needs to be a bit of a rule bender because I remember once, and I don't have the clearest memory of this, but I do remember once having a conversation with a boss. It wasn't me questioning it. It was like in one of those team meetings, they were like, yup. And we were actually given a tip for this particular person. So they got extra or something and I feel like yeah I would want my money going where I asked it to go I'm not just tipping the restaurant like that's not what I was doing if I gave you something to pay off your student loans does that make sense I don't know yeah no I agree and I think maybe

I'll pop that in the thread today in the Facebook group and get people's thoughts because I mean we've all done it a certain way my restaurant you kept your own tips as you said you guys split so it's kind of interesting to see what people think because there's not necessarily a set right way to do it yeah and I want to know for people who still work in the hospitality industry because it's been a good 10 years for me is tipping still a massive thing and is it really important like should I be doing it or is it an American thing but also to further that Jess I feel like this is like lottery tickets like that seems really far-fetched but I know I've read a few stories historically of people giving those like scratchy lotto tickets for Christmas and

obviously christmas is coming up what would your expectation be if somebody won five bucks on their scratchy jess oh my gosh i know exactly where you're going with this yeah right so it's related you guys looked at me like i was crazy but i'm not that batshit i mean if i won if you won five dollars i wouldn't care but i've definitely seen the stories of people giving a gift and the recipient winning big winning like a million dollars like what happens then no sorry you gifted it to me yeah the gift giver turning around and saying you owe me a cut which I just think is ridiculous a gift is a gift you shouldn't yeah but like that's awkward so like I feel like that plays into what we're talking about today because if she'd been tipped six dollars I

don't think anyone would have batted an eyelid but because it was like six grand everybody's like oh no you should be sharing that I'm like where's the tipping point like would it have been a hundred dollars which year I've had to split $100 what about $300 like where's that line and why does it exist is it other people's greed because I feel like it's other people's greed oh interesting I feel like this comments thread is going to get spicy I hope it does get spicy but as always guys I think we've been talking for way too long but before we head off this week we'd like to acknowledge and pay respect to Australia's Aboriginal and Torres Strait Islander peoples they're the traditional custodians of the lands the waterways and the skies all across australia

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