She's On The Money - FRIDAY DRINKS: What would you do with $1M?

Episode Date: August 26, 2021

You've got Victoria, Ryan and Toni this week, and we've got some stats about people who've won the lotto! We also have a look at some great money wins from our community, AND! If you've ever won a house, we'd love to hear from you! Email your Money Diary through to [e-mail] 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. Welcome back to another one of our Friday Drinks episodes, where we remotely celebrate the money wins and successes from our She's on the Money community. We know that there is always so many great wins in the community, and we talk about them each and every single week in the team, so it only seems fair to let you in on the conversation.

This week, I am only joined by Tony and Ryan. Hi, friends. Hi. What do you mean only? How offensive. No, it's not. It's not offensive. But Jess and Georgia, they were too busy for us.

Kind of rude if you ask me. I mean, there's just so much going on in lockdown that I understand why they're so busy. Busy out and about, living their best lives, running around town, doing errands. But we got the good ones, didn't we? It's true. You guys are lucky. So let's jump straight in. Tony, what was this week's money diary like?

so we chatted with a young girl who's 22 and unfortunately her dad passed away um quite suddenly and she's found out that she and her brother are about to inherit 1.5 million dollars so a crazy amount of money and she was kind of chatting about how that's affected how she's feeling about money and that she recently lost her job and stood up with her boyfriend so she's gone through heaps of life changes and she's still super positive about where she wants to be and what she wants to do so it was quite a cool money diary and a bit of a bit of a different one talking about inheritance so and I loved her mindset as well I just thought that she was so positive having gone through so many negative things it was wild and also I guess kind of not funny funny

is not the right word to use here but as a financial advisor I talk about money all the time and I talk about, you know, life insurance payouts and what that looks like. And her and her brother were like, oh my gosh, wow. Like after it happened, like what happens if dad has a hundred thousand dollars that comes to us? And they thought that that would have been a lot to then find out it was $1.5 million would have been absolutely shocking, but is also a conversation that I just feel like in a family you should have had. Like, I just feel like we should know what that looks like, but that again, personal opinion. And obviously she wasn't as close with her dad and there was a lot going on but at the same time like that's a lot of money to just come into with

absolutely no kind of warning yeah i think what a lot of us would hear i suddenly came into this money and be like oh my god this would be life-changing but v you obviously deal with this a lot is there also like a strange i don't know guilt or weirdness or obviously a bit more of that in the episode but just in general is that a common trait massive guilt is something that I work a lot on with my clients it is a very very big part of inheritance or even just coming into a very large sum of money I feel like people just want to do the right thing by it and honor the person that it came from but at the same time they don't want to do quote the wrong thing so there's a lot of guilt a lot of pressure a lot of you know direction from people who are surrounding

them that might not be the right thing for them and you just don't know who to seek for advice and you're really, really terrified of making the wrong decision. So, yes, guilt is massive, but I think it's one of those things where we shouldn't feel guilty about these things because that's what that person would have wanted for you. Like, it's the next best thing to having them there is having them be able to financially look after you. Yeah, that's a really good way of looking at it.

So, V, the deep dive this week. It was a goodie. It was actually definitely not what anybody expected from the topic we were talking about. So we were talking about retirement this week and it kind of went off track with me ranting about financial freedom and what it means to create retirement and to when we can retire and how we can retire. And it was, I think, a fun episode, mainly because I love talking about investing and

creating financial freedom and building up to having a passive income so that you no longer have to work. So I guess just breaking down the semantics of that, like, what does it mean? What does it mean to invest more in your super? When can you access that? what is a pension? How much is a pension? How much money do we actually need to save for retirement? I feel like we covered a lot, but it was also at the same time, a really colorful conversation about what that means. It was a really empowering one to listen to because I'm 27 at the moment. So

there's no part of my brain that's thinking about retirement. And I think just to know the things that I can actually do that aren't going to make that much of a difference to my life now, but that can really influence the way that I live in the future. And I think it's just one of those great opportunities that you, Victoria, have used to share how you can be empowered by knowledge and how making little changes can fully change your life, which is awesome. Yay. Well, I loved that episode. So moving on from the episodes this week to the community, Ryan, John, what are our community money wins of the week? All right. Now, Jess, not our Jess a different Jess she has said didn't come today she didn't turn up she's manifesting

Facebook marketplace wins but that's probably what she's doing that is arguably more important another Jess I'm gonna leave this one till the end but let me just read out this line Victoria you're gonna love this this is the best win you will ever hear it is made for you oh my gosh I know what it's about I haven't read it but it's probably pets oat milk or uh anything vegan oh no but when you hear it you'll be you'll go yep i agree with you but we'll get to that in a second now this is one of my favorites maybe not the biggest financial win but probably one of the more fun money wins i've ever read since i've been working yeah no it is money win has big shoes to fill prenticia says wearing a mask all day means i only need to put makeup on the top

Half of my face. Yes, queen. So I'm using less product and saving an absolute fortune. I'm only wearing makeup from the nose up. I'm working from home and wearing none. All right. Osti says, I'm a single mum. I've got three teenage children and I've finally finished my degree

after five and a half years and a seven-week crack. I'm working this week as a fully paid teacher. I am so proud of myself and so you should be. That is so awesome. That is huge. And going through university whilst you've got three teenage children, that is impressive. Single mum, well done.

What a legend. How exciting is that? That's awesome. Sierra also has an educational story. She's just started her uni degree, but she said, money win, I've now got the student Amazon Prime discount and the student Spotify as well, plus free bank accounts as well for my student.

Make sure you sign up to Student Edge as well if you're in Australia. Is that still a thing? Uni Days. Yeah, genius. And I'm pretty sure that through your university, Microsoft give you the free Office Suite as well, which is worth so much money. So get that.

And also Apple do student discounts as well. They've got educational discounts. Ryan John's a student still. I was just thinking that. I'm a student. What are you doing? This is fantastic news. Why are you buying us all iPods?

Watch this space next week. We've got some new AirPods. Maybe we should ask Ryan to hook us up. No, I want an iPod. Oh, okay. Do they still sell iPods? I hope so. Hey, do you guys want to know something scary?

What? If you guys, instead of buying an iPod when they came out in 2003. Oh, I know where you're going with this. Oh, don't actually. Can you not tell this? No, no, no. Tell us. Tell us.

So they came out in about 2003 and I think were like $600. Oh, yeah. So expensive. So instead of spending $600 on the first ever Apple iPod, if you instead put that $600 into shares in Apple itself, the company, instead of the product, that would now be worth over $80,000 from the original $600 investment. That could buy you a lot of iPods nowadays.

Yeah, like four. That's delayed gratification if ever I heard of it. but i'll put a thread in the facebook group if anyone wants to use me as a student discount just put a list below yeah i love that i'll go through you know we've stumbled upon this so i'm going to skip forward to the greatest money win according to jess herself because it's sort of related to what we're talking about come on jess she says victoria you're gonna love this it involves both skincare okay and investing oh yeah i can't even believe i didn't suggest skincare earlier Who am I?

Or investing on our money podcast. Nah, I'm not even that into investing. For a few years now, I've owned shares in Suken. Have I pronounced that right? Yep, perfectly. Because I love their products and I also really respect their company values. And as a shareholder, you also get a unique discount code to use whenever you make a purchase on their website.

Side note, it's actually the best performing stock I've ever bought into and my dad is still super proud and impressed with me. So last week I ran out of moisturiser and I had a look on their website. There was a sale on the website, so I asked my whole family what they wanted. So I used the sale discount plus my investor's discount and got over $300 worth of Sukun products for $100. That's a money win. That's like 66.66% off, guys.

Gee, someone's a finance whiz. God, you're so good at money. Thanks, guys. You should win awards. It's basic percentages. I can teach you later. But it's actually the concept of, well, if this is popular and everyone's enjoying it and it's got a growing customer base,

maybe that is worth a consideration of your investment. Obviously, we can't recommend specific things, but that's worked out really well for Jess. Ryan recommends that. I'm not a financial advisor. I'm not buoyed by anything. Get all into it, folks. Great money.

Shares in Apple. Shares in Apple. Shares in good ideas. According to Ryan John. Yeah. All right. And Artie is of Indian descent, and she said that they had Rakhi, and sorry if I have pronounced that wrong.

It's R-A-K-H-I, which is an Indian tradition with her family and her culture, which is really nice. She said, what happens with the females in the family is we tie these fancy bits of string or these little bands onto our brothers' wrists, and that's our way of showing that we love them as part of this cultural tradition. But she said the way for the brothers to show the sisters they love them is to give them money.

How good is being a woman? I know, right? I mean. Ryan, you've never given us any money. I'll give you a piece of string if you pay me. Thank you. All right. I'll keep that in mind as an investment option for my future.

But Artie said that the good thing is she has six brothers. She said in exchange for six pieces of string, I'm 130 pounds richer. And I'm calling it the sister tax. So I'm just wandering around to my brother's place with my handout out collecting for Rocky. So well done. She's a genius. She's a genius. Quick one from Amy. She asked her boss for a pay rise of 22% and he said, sure. Done. 22%. He said, sure. Sure. Just take it. Wow. Congratulations. Well done, Amy. Hold up, Amy. We need some more context. How did you do it? Because there are a lot of us who want a 22% pay increase. Well, I'll reply to her in the

comments in the Facebook group. And yeah, if you've got any insights, Amy, but I think if there's one thing that will is the case for everyone if you don't ask you probably won't get so even if you had to said no at least you'll find out uh hannah said i did some gardening recently and i trimmed these massive cacti that i have outside of my house which actually look phenomenal i didn't realize that suburban australia just had huge cactuses out the front but if you edit that snort out tony you're gonna be in a hole i'm gonna say tony's like losing what's going on No, just the way you said, I can't believe that in suburban Australia we have cactuses.

Like, okay, why? I just haven't seen many cactuses on the side of the road. Cacti. Sorry, cacti. Well, anyway. Cactuses. Oh, the grammar police are in town, heaven forbid. All right, well, Hannah said that she cut the cuttings off the,

to need to give them a trim, she sold the cuttings for $400 on Facebook Marketplace. And what's crazy about this is she obviously still has the cacti. They were just off cuts. I could be sitting on $400 in my back garden, guys. You could be. You live in an apartment, mate. You're definitely not.

How do you know? I probably wouldn't be sitting on it. It's a cactus, Tony. All right. Our final money win is Ashley, and I love this, Ashley. I signed up for a seven-day free trial with the new Paramount Plus streaming service. I don't know if anyone else has seen a lot of those ads around at the moment. Never heard of it.

Another streaming service. Paramount Plus. Oh, they advertised it a lot during the Olympics. Oh, okay. So I never watch free-to-air TV ever because I'm a millennial. And during the Olympics, so the only time I'm ever going to watch TV, every four years, and they were advertising heaps of that, and this Woolworths ad that had this, like,

really catchy jingle was like, da-da-da, by 2025 or whatever. I feel like I might have seen that, but I absolutely hadn't considered it because I'm, like, a Netflix gal through and through, and it's not like they're going to advertise Paramount on Netflix. Exactly. So true. Well, I just keep thinking, how many can we have? How many streaming services can we pay for?

I can't afford all of them. The limit does not exist. Well, Ashley said, I got the seven-day free trial because I really wanted to watch this new film that I wanted to see called Infinite. After watching the film, I really enjoyed it, realised there was nothing else I wanted to watch, cancelled it the same day, didn't pay a cent and got a free movie.

Oh, that's so smart. All right, can I give you a business pitch real quick? Yes, of course. It probably exists, but it's an app that gives you notifications to say, hey, your free trial is about to end. If you don't want to pay, press this button. Well, you could just get reminded, couldn't you? I was literally going to say,

is that not what you could put in our friends' Get Remindeds app to use for, Ryan? Get Reminded, one of the great websites and great partners. If she's on the money, go check them out. Another great thing to invest money in. Don't know if they're public, but you can invest money. They're not public, but when they are, you best believe. They're going to save me a lot of money.

and we're going to be able to buy so many iPods oh my gosh we are because we're going to be reminded to buy them but talking about ads to completely derail this topical this week the Qantas ad who's seen it I won't watch it you won't watch it no because I cry all the time whenever I watch free to air tv all the ads make me cry uh last night sat on the couch and thought I'm gonna watch that Qantas ad and then I thought you know what I don't think my mental health can take that at the moment yeah i'm i'm on the edge of mental health and i'm like why would i push myself off yeah okay cool so it turns out i'm the only one that's cried to an ad this week it's a it's a pro vaccination ad about coming together and it was all just a little bit much

for me yesterday they've also come out and said yeah if you get vaccinated we can give you like some extra quantus points or some flight credits and i'm like hey cool like i get it but also like flights are the last thing on my mind right now it's not the last thing on their mind their stock price will plummet if you don't start caring about them but i get my whole point is i just want to be able to go down the street the thought of flying to another state at this stage is just so far in the future it just it's hard to really fathom that's why they're trying to stay relevant ryan yeah i mean good for them and they're priming us with emotion getting us while we're down right now and then in the future when we are able to fly again we'll be like remember

that really beautiful ad that we watched while we were in lockdown yeah well did you actually know that you can donate your Qantas points if you're not going to use them at miles for migrants I don't know if you guys have seen that but if you're not using your Qantas points you can donate it to Afghanistan to get people out of the country which I think is epic because not all of us have cash at the moment to donate you can actually donate those Qantas points you're not using right John all right well now I feel really bad for everything I've just said but what I will do because I do I do have a lot of Qantas points oh do you mate it's a flex if ever I heard it have you got a few Qantas points well I used to travel to Perth every third week from it so I

yes I do have a lot of points and um and I haven't been able to use them because we haven't flown anywhere for such a long time so now that's a really nice initiative no that's good because I can do something like I'm literally sitting on these points with like they're kind of useless so now they're the opposite of useless really aren't they no they're actually really cool I think they're really fun and it's not just Qantas points you can donate you can donate pretty much any airlines points to them so that they can use them which I think is epic so I just found the website it is milesformigrants.org so go and check that out I know I will be up next I've got a quiz for you guys and also a quiz for people listening to play along to as well it is called the what do

australians do when they win the lotto quiz oh i love that let's go all right ryan you promised tony and i a quiz about what australians do with their lotto winnings can we please play absolutely they've surveyed only the people who have won division one so not like you know 20 back like sort of million dollar plus right up there um so i've got a little quiz but before we get into that victoria divine ryan if you won the lotto oh come on you know the answer to this what would you do i'd invest it how much am i gonna win though let's just say a million just for for fun just a million dollars yeah i'd invest it you'd invest it yeah i wouldn't much change of your life or lifestyle no i wouldn't change a

thing if it was a million dollars wouldn't change a thing and you know why you've got to ask me why come on now why because i'm only 30 and by the time that i reached what like let's say 60 which is average retirement age that 1 million dollars would be worth nearly 5 million so who's the real winner here because i have long-term gratification on my side well you just won the lotto so no one was going to say you weren't the winner but that is a good it's true it's very true and what would you do with 5 million as a 60 year old um retire with a really good income stream you'd hope so Yeah, look, you'd hope so. I feel like a million dollars, it's kind of like I talk to people all the time that come into that amount of money and you can do a lot with it if you invest it. But if you go and purchase like a property or something, you're still stuck with a fair bit of debt that you need to pay off and like it doesn't actually appreciate in the way that you would want it to. anyway i'm really dramatic when it comes to stuff like that but i would prefer to secure an income

stream for myself in perpetuity so forever rather than just have a million dollars today that i could absolutely blow and then have to work i want to put myself as soon as possible in a position where i never have to work again and i'm not saying because i don't love what i do i do but like how cool would it be the day tony i come to work and be like hey tony hey ryan i no longer to take an income because i don't need it like how sick would that be to be able to donate it or do something more constructive with it than pay my bills well i regret asking victoria before tony because i feel like that was a very sensible logical answer and we should have gone for tony first for the fireworks from me tony also division but i feel like you've curbed tony now because she

doesn't have the freedom to go i'm blowing she works for she's on the money because you best believe the second she walks into work and says i've won a million dollars i'll be like sit down well see that's why i think a million dollars actually isn't that much money nowadays i mean it's life-changing but it's not yeah it's life-changing like in the way that yes it would give you so much freedom to invest it or whatever um but if you could see that money then in the future i think that is the best option but i mean if you're talking that i've just won 80 million dollars then you best believe that's a different story yeah you best believe i'm gonna to go and get myself a brand new car the thing that i've always said that if i ever won lotto

or was like a billionaire i would get fresh flowers sent to me and all my friends every week oh my gosh i love that because i love fresh flowers they're my favorite thing in the world you absolutely could afford that because i'm assuming before you set up that fresh flower delivery you're going to come and see me because i would be your self-appointed financial advisor obviously and then because you want to cut them at 80 mil exactly don't be silly and then i would take that entire 80 million dollars and invest it obviously conservatively so we're only looking at like five percent return because like we don't want to be too wild and once you have wealth the point of having wealth is actually keeping it not being risky with it so you're still with

me tony okay we would create an income stream for you each and every single year of four million dollars and then it would be your job to spend that and it would never go away like that would exist forever okay well that's so many flowers that's so many flowers see like let me set you up at the start and then you go buy your flowers because that's fine i'll let you blow literally four million dollars a year as long as you don't eat into that 80 million dollars and we're all good we're all good great that's a great deal don't say i don't do anything for you so where's the money so someone giving me the 80 million dollars now you still you've still got to win so okay great but the chance pretty good about one in four i think for the winning

Yeah, so, Ryan, why don't you tell us about some actual people who have won the lotto? All right, here it is. You guys have to both lock in your answer before I tell you what it is. Oh, the quiz, the quiz. I'm ready. What percentage do you guys think helped out friends or family with money? 65.

65%. I reckon it's a lot. I reckon a lot of people would. Victoria? I am going to say half. The answer is 55%. So, Victoria is the closest. Well done to you, but I do like that it is quite high.

Because people aren't as nice as we think they are. That's still pretty high, though. I think more than half. More than half. That's positive. All right. What percentage do you think donated to charity? 10.

V? 15. Only 8%. Yeah, that's not that surprising, I don't think. I was really surprised when I saw that. I assumed it would be way high, and that's not all of it. That's just some portion. Only 8% donated a portion.

how gross their winnings do you know what is so cool about charity is that if you have a significant amount of money that you want to set up in exactly the same way as investing you can create some form of trust for a charity that actually continually gives to that charity to create sustainability for them instead of just being like hey here's a million dollars like someone passed away and we wanted to go to the greater good spend that million dollars like you can actually invest that million dollars or stipulate when donating it that it needs to be invested in perpetuity so that you actually create a fund for them so that they create sustainability and i think that that is really cool and something that a lot of people don't

know even the fact that um donations are often tax deductible over a certain amount yeah they are so it actually you you know you get a little bit of money back you get to feel good about it everyone's winner genius what percentage of people either change jobs or put themselves down to like part-time or adjusted their job 80 victoria divine oh 50 50 because i thought that would be high because yeah maybe if you don't have to work hard for that extra bit you might do a job that maybe means a bit more to you rather than pays you more or gives you those kind of options surprisingly only five percent change jobs or reduce their hours no are you joking five percent where are you getting your research from i'm starting to doubt its validity

there the article is online at news.com.au is where i read this oh yeah finance department um all right here is a multiple choice which was the highest category as like the highest percent of these people putting money into their current or future house and by that i mean paying off either the mortgage that they've got or using the money to buy a house for themselves so that's category one property the next category is investments well like investment property or just investments invest it just said investments any way that they can put money into something that will pay off dividends in the future and the third category is a new car so which do you think was the most popular see the car tony's saying car victoria divine also saying

car the new car 11 of people bought a new car what 41 put it into property but 61 got investments with their winnings and that was the highest thing that anyone did do you know why i reckon that is okay so i was obviously right they listen to she's on the money they're all about listen to she's on the money look i am really doubtful of these statistics just from anecdotal evidence that i've collected over the last seven years just saying do you think though that it would be a lot of people would invest and it would be the first time that they did because when people win that much money it's the first time they've ever consulted with someone like a financial advisor it's true it's true and i think that i am maybe being a little bit more negative because

often i just assume that people don't want to seek advice and you know i'm a financial advisor and a lot of what i do is trying to break the stigma of what we do because what we actually do is really constructive but I've met so many people who don't want financial advisors to help them on their wealth journey even though they're going to be significantly better off so I think that for me I just assumed that people wouldn't get advice and you know I've dealt with people who have won money I've dealt with people who've won significant amounts of money but I assumed that was the minority because you always see all of those stories online about people blowing it and like 50% of people who get an inheritance blow it within the first 10 years and all of

those stories that I just assumed it would be much less. Yeah. I think as well, people think that investment is for rich people, so they probably just don't even, but they just don't consider it an option until, you know, they win heaps of money and then they don't even quit their job. They invest the money. It's not. And I think that that's, I shared a meme a really long time ago that said, if you can't manage your income of $40,000, how on earth are you going to manage an income of $400,000, which, you know, I know that not all of us are going to get to that point. Like 99.95% of people aren't going to earn that amount of money in their lifetime per year. And that's okay. But I just think that money management starts at the base and investing starts at the

base. And, you know, the most important thing about a wealth journey is not necessarily having money, but rather being educated about what it takes to create it. And I just think that we need to take more control of it because you can actually put yourself in a position where you have a million dollars and you know tony earlier we were asked by ryan very kindly what we do with a million dollars but like if i play my cards right and i continue to invest and save in the way that i am planning guys i don't mean to be rude but i'm gonna have a million dollars by the time i invest at least and like that's really exciting and we can all kind of win the lotto by planning it like it's not the lotto it's more guaranteed than the lotto because i'm pretty sure

the stats of us winning are like really really really low well i said one in four before and i was actually joking it's yeah it's not actually one in four it's like one in a billion or something yeah it's really slim yeah it's really really slim but the amount of people that lose money in the share market over the long term tony none nobody does if they invest for more than 30 years which is what we all have the opportunity to do if we are investing right now so yeah that's my brag about investing you're welcome thanks for coming to my ted talk on the winning thing taking it a step further you know how some people win houses like you see those things in your mailbox like the rmh home lottery yeah and you can win a house and like four hundred thousand dollars worth

of gold if anyone has done that and won a house can they slide into our dms i want your money diary yeah that would be awesome that would be a sick money diary yes have you won a house have you won a house because they're always in the really bougie suburbs and then i want to know what you did with that $400,000 worth of gold. I never heard about the $400,000 worth of gold part. Yeah, they do both. They give you a Range Rover and they set you up in your new bougie suburb where you probably can't afford the rates. It's great. It's true. Well, Ryan, I know that you haven't won a house, but I would love to know if you've ordered any Uber Eats for your Accountability August challenge. Well, you know, I have, because I said I did for lunch earlier, which is offensive

for you to bring up and I also I think maybe had it yesterday as well so um I am not accountable to my in August I was failing last week lockdown's really done me I mean I shouldn't blame lockdown I've made the decisions but but lockdown has been tough I understand lockdown's done us all a dirty I'm telling you right now thank you I appreciate that I appreciate that uh V how how is your taking lunch to work when you work from home I'm still working from home um not as well as it could be Yes, I am purchasing a lot of lunches at the supermarket, but I might or might not have done a few cheeky Uber Eats deliveries because there's nothing like comfort food.

Is it true that you had licorice for lunch today? Yes. Yes, it is. That's fine. No judgment. No judgment. Just wanted to get it on the record. I told you that in confidence, but that is okay.

And I am confident that people who listen to this podcast will love to hear that news. I did indeed eat licorice for lunch, but that is not the point. I have done a few cheeky Uber Eats deliveries because here in Melbourne, not only are we in lockdown, but the weather's been miserable recently. And so a big bowl of pho definitely goes really far when it comes to like 1.30 and you're like, I really don't want to be at my desk. I'm really flat, like something warming and a little bit of comfort food for me goes a really long way. So I don't feel bad about it, but also I have fallen off the track of not taking lunch to work. but i think we can all give each other a bit of a hall pass because of lockdown so i'll let you off

ryan if you let me off but thank you i was gonna say i feel like tony's been doing okay though tony's always doing okay she's much stronger than everybody else on the team um i've been really really trying um what was your one again no discretionary spending so not spending on anything that isn't rental bills or legally binding um i did order a kebab for dinner on saturday night that's food um but it's still i guess spending extra money but i haven't bought anything saturday night tony yeah so thank you for the one kebab no you get a whole pass too everybody gets a whole pass for their spending this month if you need an official one to take to the doctor or to give to your employer they will write you a note yeah please just slide into

my dms and i'll send a signed copy um so i know that all the three of us have been a little bit naughty but you know what I hope that it makes everybody that is listening if you've slipped maybe a little bit on your goals this month or this week or today or whatever I hope it makes you feel a little bit better that if you're doing it tough or you're not doing it tough it's okay to make some mistakes because nobody's perfect no we were never going to be able to stick to these 100% and I'm always so impressed when I see people actually doing it and I think that's because I know that i do not have the self-control to do it myself but that is okay and i think it's just we are better humans for it right like i would have done a lot more eating out had i not had

this challenge and i think a few things is better than what i was gonna have done if we hadn't had the challenge completely agree so what i thought was gonna end on a bit of a low point because none of us did very well this week on our accountability august of course victoria you've managed to turn around into a real positive so thank you yeah thank you for that i actually have a few positives for you obviously we've got monday wednesday friday episodes next week but tony little do you know you're about to start editing our equal payday episode that's going to drop on tuesday morning okay great yeah you didn't know about that one did you no i didn't but i'm really excited because tuesday is equal payday and it's another day for me to actually get on

my soapbox and rant about how women should be paid equally for the same job a man does it's gonna be fun guys guys i've got to go because i've got to go and cut this podcast i didn't know about we haven't actually even recorded it yet georgia and i are gonna hook up after this so we'll try and be speedy if it's not up in time just know guys wasn't me it was all tony all right as always just before we head off 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 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 the advice shared on she's on the money is generally 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 and we promise that victoria divine is an authorized representative of australia pacific funds management proprietary limited abn 34132463257 afsl 339151 and as always guys you can find us on facebook or on instagram and i spend a fair bit of time on tiktok we will see you next week guys bye Thank you.