She's On The Money - I Fell Pregnant at 30… While Single and Working 70-Hour Weeks

Starting point is 00:00:00 My name is Natasha Bamblett, I'm a proud First Nations woman, and I'm here to acknowledge country. Tii, gilinyan ganya, nianakaka yao yinbina waka, nianakai nianbina yakarumja, duminyagumiga dumiga ithawaka nirawamundamun imalan, mumubangada boma ininyalan waka, gaunan yakarumja, wutunarana. Hello beautiful friends. We gather on the lands of the Aboriginal people. We thank, acknowledge and respect the Aboriginal people's land that we're gathering on today. Take pleasure in all the land and respect all that you see. She's On The Money podcast acknowledges culture, country, community and connections,

Starting point is 00:00:41 bringing you the tools, knowledge and resources for you to thrive. She's on the money. She's on the money. Hello and welcome to She's On The Money, the podcast that lets you be pervy about other people's money stories for educational purposes, of course. Welcome back to another one of our Money Diaries episodes brought to you by our friends at Sky Wealth, where I get the absolute privilege of sitting down with one of our incredible She's On The Money community members and talking to them all about their journey.

Starting point is 00:01:11 Let's jump straight into it because this week I got a message and it sounded exactly like this. Hi, Victoria. I'm 31, a nurse, and a single mom, which wasn't exactly part of the plan. At 30, I unexpectedly fell pregnant while working 70-hour weeks across multiple jobs. Money wasn't the problem, but everything else suddenly was. Overnight, I had to stop just earning money and start being intentional. Budgeting, planning, building a safety net, and figuring out how I can do this on my own. It's been messy, it's been overwhelming, but it's also been the joy of my life. Also, this forced me to get really clear on what I wanted my life to look like and how I was going to build it. It might not have been the plan, but I'm

Starting point is 00:01:55 really proud of where it's landed. Money Diarist, welcome to the show. Hello, nice to be here. I'm excited. Now, before I dive into getting to ask you about your money story, I always ask what grade would you give your money habits if I asked you to give them a grade from A through to F? probably C. C. All right. I like it. Let's learn a little bit more about that. Money Doris, can you give us a little bit of an insight into what your money story looks like? So I'm 31, how old I was. I always forget how old I am. Like the other day I told someone that I was 30. I'm not, I'm 34. I'm turning 35 this year. I was pregnant for my last birthday. So it didn't, I couldn't eat my favorite foods. It doesn't count. Yeah, no, no, no. It's like COVID time.

Starting point is 00:02:40 you skipped it yeah didn't happen we never went without anything we got to go on family holidays and it was all pretty good I had horses from when I was eight and they are not a cheap hobby so I was about to say like horses to me and I know that this isn't accurate that's a rich person hobby if we didn't have horses we'd be rich yeah we definitely didn't go without but yeah I started work when I was, I think, 14. As soon as I could, I started work because I didn't go without anything. But if I wanted anything extra or if I wanted a pretty rug for the horses, I had to buy it myself. Yeah. Okay. Yeah. That's fair. I feel like that's a good line. Yeah. So I worked at a clothes shop regionally in a very small town to start with, just like

Starting point is 00:03:26 three hours a week and then did like babysitting and would ride horses for people. So I pretty much always had a few jobs wait you can ride horses for other people as a side hustle yes sorry how much do you get paid or are you paying them like that feels like a good deal if you're a horse person at the time it wasn't a lot I think my pay rate at the clothes shop I worked at was like 13 an hour when I first started so the horse money was not a lot I did polo grooming for a bit So we'd go away with nine horses and five kids. I was their nanny as well. Five kids, nanny to five kids.

Starting point is 00:04:06 Yes. My goodness, that sounds like a circus. Yeah, it was a bit wild. It was fun. But for that, I'd get $150 a weekend. Not great money, but it was a good time and I got to stay in nice motels and, well, I was at the polo every weekend, so it wasn't too bad. That is quite cool.

Starting point is 00:04:23 And if you're a horse person, that just feels like a good sitch. Yeah. And I was in high school, so I was away every weekend. So moving away from horses and like your first job growing up, what did you want to become? Like, did you go to uni? Did you finish, like, what was the plan there? I've never really had a plan for a little bit. I wanted to be a heart surgeon. And then I spoke to one and it was 20 years of study. Isn't that crazy? So that put me off real quick. I was like, that is not for me. So then I thought nursing, I did my AIN certificate through school. So once I finished school, I started that job and did that for nearly a year. And then I moved again

Starting point is 00:05:07 and started uni to do my RNs and got halfway through, but didn't love uni and had three jobs, which were paying. So I ended up leaving and I bought my first property. And in between all of that, you have had a baby as well, and you're a single mum. So I feel like we need to extrapolate that out a little bit because you're like, oh yeah, and I did nursing and then I bought a block of land. And a lot of people are going to think, okay, that's a pretty linear journey. No, sorry. There's a baby in the mix. There's single mumdom in the list. Tell me a little bit more about that. Let's speed back up and kind of come into adulthood. So you're 30, you fall pregnant, it was a surprise? Yes. The doctors told me I would not have a baby.

Starting point is 00:05:49 I've got fairly bad PCOS. So I just didn't think it was an option. And I had exes in the past and we tried and it hadn't happened. So I wasn't being very careful. I was living my best single life and I was meant to have this baby. Was that exciting or was that overwhelming? Like, I have not been in the position where I found out I was pregnant without planning it. And even when I found out I was pregnant after planning it and desperately wanting it, there was this like overwhelming sense of, oh, no, what have I done? This is a very adult decision. Like, I'm just a baby.

Starting point is 00:06:23 What is going on? Yeah. What does it feel like finding out you're pregnant when you're single and you didn't think that you could get pregnant? I work night shifts. I was really hungry that night at work. And my friend was like, you're pregnant. And I was like, no, no, no.

Starting point is 00:06:36 Like, I'm not late. I would normally go like 12 weeks between periods. And that was normal. and I was only I think nine weeks yeah okay and I was like no it's fine like this is I'm always hungry just before my period she's like no no you're pregnant and then just as I was about to do handover I wanted to throw up which I never do I never feel sick in the morning so I went home and took a test it came back positive and I was like this is how did she know I think she just wanted to not be the only one with a kid she's like I'm manifesting a pregnancy for you yeah

Starting point is 00:07:09 So I got home, took the test. It was positive, panicked for a minute. And then I just went to bed. I was like, this is a problem for work tonight. I love that. And you're like, you know what? I'm not dealing with this. I'm going to sleep and I will deal with this another time. Yep. My goodness. So I woke up, went to work and then just spiraled a little bit. As you would, because that wasn't part of the plan. No. And how pregnant were you when you found out? I found out on the Thursday and managed to get in on the Tuesday and they did a scan even. So I think I was five weeks. That's so exciting. I mean, I think that's so exciting, but what does

Starting point is 00:07:46 it look like when you're single, you know, you're a nurse, you're doing night shift, like the lifestyle that you were leading obviously is very different to then finding out, hey, so in like approximately nine months, you're going to have a newborn. What was the shift that happened there? I was just so unsure about everything. I spoke to my best friend and she was like, no, you'll be fine. Like, it's great. She didn't tell me straight away, but she was pregnant at the same time. Oh my God, how exciting. But I didn't find out for probably another month that she was pregnant. She didn't tell me for a while. I had a feeling she was though. Yeah, but you never want to be the person

Starting point is 00:08:22 that asks. I was the same with my best friend. I remember she came over to my house and I was thinking there's something different. There's something different. Like I can feel the vibe years off it was just after new year's and she wasn't drinking yeah and I was like I bet but then I knew she'd been trying for a while she'd been trying since August and I was like maybe she's just being healthy but yeah and I was just so unsure because it had just been the festive season and I didn't know I was pregnant so I was eating all the things you shouldn't eat I worked over Christmas but I never worked for new year's yeah and I do all my drinking for the year on New Year's Eve. You just make up for it. Right. Okay. Yeah. Horrible timing, just lifestyle

Starting point is 00:09:02 wise. But yeah, decided that she was meant to be here. So I cut out the caffeine and I was living on pre-workout because I work so much. So I cut out the caffeine and yeah, just got healthy, I guess. I love that. And on the financial side, like taking on the responsibility of becoming a mum and you're a single mom. So finding out you're pregnant, you were like, okay, cool. So the dad's not going to be part of this. That's a big financial responsibility. Can you tell me about the financial situation you were in when you found this out? My income was pretty good. I had three jobs. I was working about 70 hours a week. My goodness. The money coming in was not the problem. I had pretty much brand new house, had five acres for the horses. Like everything was

Starting point is 00:09:52 set up. I just got it set up how I wanted it. I had a spa and yeah, I had three jobs. So the money coming in was fine, but I'd had a huge mortgage and a car loan and a personal loan. So that made me anxious. Yes. What is your specific job and how much money do you earn? So I'm an assistant in nursing, work in aged care and at a hospital. And I also do bartending shifts every now and then okay queen and you said before that takes like what 70 hours a week or it was taking 70 hours a week it was so I was working seven nights a week and then I'd do two evenings at the pub and then I'd go get changed and go to the next job and do the night shift and normally at least once a fortnight I'd try and do a double shift at the aged care place that I work at just because the

Starting point is 00:10:45 over time was very nice. So good. Yeah. Now tell me, you were single, so you didn't have any real financial responsibilities. What possesses someone who's single to work 70 hours a week? Like, will we be building wealth? Will we be trying to retire tomorrow? Like what? We just like work. What's going on? So I had a really big mortgage. I went through a financially messy breakup nearly three years ago yeah so I had to buy my land back from him which was great so yeah that added a lot to the mortgage so reflecting on this you've got three jobs what were you earning between the three jobs I think it was about two grand a week so two grand a week like post-tax yes my goodness and then you know what happens when you find out you're pregnant like you said that you felt kind

Starting point is 00:11:34 of nauseous at your shift at the hospital did that become a thing that meant you had to pull back sooner than you thought you would or were you okay? How did that work? I only felt sick that one time and then probably a few weeks later I was only nauseous when I was hungry. Okay I manifest that for everybody. So I didn't really have morning sickness but I just had to eat constantly. I was so sick of chewing. I love that but I wish I was in that situation. Every time the boss came around at night I was just eating. Well you were building a beautiful baby. And I didn't tell anyone for a while I told like my best work friends pretty much straight away so when I was like six weeks and then working in health too I didn't want to be in any infectious rooms I only

Starting point is 00:12:19 really have to had to avoid shingles but yeah I didn't know what to avoid medically when I was pregnant because it was not on my mind at all no I had a friend who did radiology and she basically had to tell them the second she got pregnant because obviously that's not ideal in terms of a workplace and I was like oh I wonder what that looks like do you have to tell them immediately or can you just like drag it out as much as possible I mean I didn't tell the internet that I was pregnant until I'd had the baby yeah well I wasn't going to tell anyone and then there was a suspected shingles case at the nursing run so I told the bosses there pretty quick actually hi um I didn't want to tell you this but now I'm forced yep and I was like oh can I just not go

Starting point is 00:13:00 there and I think there was a COVID outbreak at the same time in a different area so I was like where can I go yeah what can I do to avoid this as much as possible yeah and they were really good and then fast forwarding through your pregnancy obviously you've got to have the baby at what stage did you go on maternity leave and what did that process and that like kind of period look like for you so I worked as much as I could I had three weeks off so 37 weeks I think I went on leave I went on leave a little bit earlier than I wanted to because she was breech for a little bit and then she went the right way so the doctor said finish up a bit early and just rest yeah and then she flipped yes oh so I didn't have to do the where they flip her oh no see I did that

Starting point is 00:13:47 and that was traumatic yeah I was in there ready to do it ah and she was like quick quick flip flip we don't want to do it yeah uh how stressful yeah at 37 weeks i had to go and get cammy flipped and then i was so excited that she'd flipped back because this was my second baby and i was really hoping to have a v-back birth and it was all you know really good they flipped her and i instant relief like because it was quite uncomfortable you were probably feeling the same yeah get home go to bed so excited the next day i felt her and she flipped straight back into breach and was like no no I was comfy here mum thanks oh which was so rude and so I thought oh my gosh I'm gonna end up having a planned Caesar because like having a breech baby obviously that's what they kind of

Starting point is 00:14:33 recommend yeah and then a week later she decided nope actually mum I'm gonna flip back again and it was the most demonic thing I've seen in my entire life when people say how did you know she flipped I was like babe you just know I didn't know how well I just hadn't been pregnant before and she was always so active yeah okay and I just had nothing to compare it to I was uncomfortable anyway so yeah I just had no idea I think because I'm so short she had to do arms and legs out the side and like basically like I watched it and it was vile and I said to my husband after I said I feel nauseous and he's like oh do you want like some medication I was like no no no like I feel nauseous because I just watched that and it happened in my own body and oh ignorance is

Starting point is 00:15:19 bliss. I didn't have a birth plan. I think that's what got me through. I had pelvic girdle pain pretty bad. So from about 20, I think that started at 26 weeks. So from then on, I didn't do any double shifts because it was just, I couldn't walk. But I was still trying to do the seven nights a week just to keep paying the bills because I hadn't moved at that point. And the mortgage at the time was, I think, $1,100 a week. That's a lot. And I still had to work. I put the house up for sale I think in June and it sold just before I went on leave yeah okay so I moved after 34 weeks pregnant and was single so doing it on your own and was still working oh my goodness you are a weapon I love this so you've moved house you've settled down you've made some really big

Starting point is 00:16:08 money decisions because you've decided all right this baby isn't meant to be here I'm meant to be mum I'm so excited for this you've you know moved heaven and earth literally and you're still working like seven days a week which by the way that's low-key psychotic I love it I respect it but that's a lot tell me what now are your big money goals what are you currently working towards just being able to not work as much at the moment I'm working five nights a week got mum here helping oh lovely to watch her overnight but she's on a waiting list for surgery so the days are a bit tricky yeah because my baby's so active and how old is your baby now nearly seven months and when did you go back to work about a month ago yeah okay and how is that going work itself is

Starting point is 00:16:58 good yeah because she sleeps at night so I don't feel like I'm missing anything but yeah during the day is tricky and then finding the balance with mum not being in too much pain and me getting enough sleep that's a bit harder and I also have 10 pets 10 pets sorry why didn't you tell me about this to begin with tell me what what are your 10 pets so I've got four horses one sheep and two dogs and three rabbits oh my goodness I love that but that would cost you a lot of money per month to feed them. What does that budget look like? At the moment, it's not too bad because I've bought 10 acres with a lot of feed on it. Oh my goodness. So I'm only feeding one horse at the moment and the rabbits. Yeah. Okay. And tell me a bit more, I know that you live regionally. I

Starting point is 00:17:47 don't want to know where you live, but I want to know what does 10 acres cost where you are? Because I feel like saying I bought 10 acres in my suburb, that's never going to be financially possible what does that cost and what does that look like it cost me 420 000 and I'm very I'm basically I think it's like a two kilometer walk oh my goodness not that I do walk but from the block to the small town I live in it's got like a food works a pub it's got everything you need but not a lot and then it's about 50 kilometers to the main town where I work and yeah yeah okay how cool is that all right we're going to take a really quick break and on the flip side I want to dive into what your debt looks like what you're doing for investments and then I want to talk

Starting point is 00:18:37 about your best and worst money habits because I feel like we can learn a lot from you so guys don't go anywhere all right money diast we are back and I want to talk about investments so you've just bought 10 acres for 420 000 which I feel like is a pretty good money win do you see that as an investment or do you see that as like oh no Victoria that's not an investment that's just kind of like my home because that's a lot of space a very long-term investment yeah not planning on moving anytime soon just an increase in value and for investing across the board you're a she's on the money girl you know I'm gonna ask could you invest in any other way I've got a very small amount in shares is I think just under $200 I've put in but I've got $3 in the earnings bit

Starting point is 00:19:31 so a tiny little bit in there when I get a bit of spare money I've started yeah we love to see it but also that's the hardest part like actually downloading the app and starting to put money in I think is actually like the biggest hurdle to investing and I understand why you haven't prioritized it. You've just gone through literally so much. Where's the money going to come from to invest? Yeah. So I just put in little bits, probably like $50 every now and then. Sometimes I put in like $5. Love. And what does your superannuation look like? Because I feel like so many of us forget that that's a legitimate investment and you've been working since you were 14. So I feel like that might be plodding along nicely. I just checked it and there's just

Starting point is 00:20:13 over $84,000. Okay. That is really good for your age and better than the average for your age. So that's looking very sexy. We like to see it. Yeah, that's good. That makes me feel a bit better. And I've just started putting in $5 a week. So like topping it up a little bit? Yeah. I think I've put in $10 extra. Like I've just started that. Yeah. That's very cool. And are you doing that through your employer or are you just like chucking some extra cash in there? Just the transfer. Yeah, that's fair. Cause I feel like it is a bit of a commitment when you're like, I really want to do that but what if I need the cash like I might just manually transfer it make sure that you're keeping track of that though because at tax time you can claim those contributions

Starting point is 00:20:52 like the tax on those contributions back so don't like go oh it's not worth it it was only like five or ten bucks no it will add up over time yeah because I have quite a big tax bill from last year so I'm maybe that's the goal at the moment trying to smash that down yeah yeah fair so talk to me about debt. You mentioned that, you know, when you found out you were pregnant, you had a car loan, you had a personal loan, you had a mortgage. What does your debt situation look like now? Yeah. So I sold my last property and had enough of a profit from that to pay out the car loan and the personal loan. Oh, how good's that? Yes. Very good. And sorry, I need to backtrack. That's the property that you had to buy your ex-partner out of? Yes. And you still made a

Starting point is 00:21:36 profit yes oh how good it's a relief yeah love so yeah paid out the other debts I put down I think $110,000 deposit on the new property so the mortgage is $330,000 on that and because of the timing of going on leave and everything I had to borrow a little bit more through a personal loan just to build like a granny flat on the block of land yeah so I've got I think it's 80,000 in personal loans and 330 in the mortgage is my only debt at the moment but the personal loan is kind of a property loan but not is that right yeah yeah you wouldn't say oh it's because I am shopping it's actually just a part of building your home. Yes and with the timing of it because of my pay slips I couldn't refinance the mortgage at the time. No you wouldn't have been able to because

Starting point is 00:22:37 you would have been on mat leave. Yeah hopefully now I'm back at work I can refinance the personal loan onto the mortgage just to reduce the repayments. Yeah and you absolutely like not giving advice because I'm not allowed to do that but as someone who owns a mortgage broking business I believe you're able to as well because you would have had banks are real tricky with maternity leave they're like no no we won't give you a loan on maternity leave but then when you come back the second you're back in full-time working you're basically good to go again so you don't have to like do any like oh six month wait like you know how when people get new jobs sometimes you have to wait for probation to be over to get a loan that doesn't apply to you so you could literally

Starting point is 00:23:18 go to your mortgage broker tomorrow and be like, hey, can I fix this up? And low key, I would because interest rates are cooked at the moment. Yes. He's told me I just need a payslip from each job. Yeah. Easy, easy. Because of how I get paid, I'm still waiting on the payslips. Yeah. Fair. I was like, please fix that up soon because you'll be saving so much in interest. Hopefully next week. Yeah. Okay. Okay. I love that. And talk to me. There's obviously a lot of responsibility in your life? Horses, babies, property. Do you have personal insurances? If not, why not? Yes. Through my super. Yeah. Cool. I've got income insurance, death and total permanent disability. Yeah. And is that something that you've revisited since having a baby or is it something that you're

Starting point is 00:24:03 like, that's life admin Victoria? I double checked that the payouts would cover the mortgage. Very nice. And they do. So yeah, I've just left it. Yeah. But yeah, everything's covered. I love that I get so angsty when people are like I just have it through super and I'm like yes okay that's perfect like good start but do you know how much is in there and most people will say oh no I just assume it will be like enough and I'm like most of the time it's not but you've like done your due diligence and made sure she's good I love that please everybody do that and then I've got separate horse insurance sorry horse insurance if I have an accident with the horses because my super insurance doesn't cover if I get hurt with them. Yeah. I've got separate insurance that

Starting point is 00:24:45 covers horse related injuries if that happens. That is news to me. I didn't even know you could get horse insurance. Yeah. I love that. All right. Well, tell me, because I know that I'm running out of time. You've got a baby that you need to get back to. You are pretty good at money. I feel like your work ethic is second to none. Working 70 hours a week and then trying to maintain that while pregnant? Like, girl, you are a weapon. I love this. What do you think is your best money habit? Well, in the past, if I've had a big bill, I would just pick up an extra shift. I don't know if that's a habit, but I think it's a positive habit. Yeah. I just pick up an extra shift. Now it's a bit harder to do that. So I'm trying to build up the savings a bit more. Yeah. No,

Starting point is 00:25:28 love that. And I want to be real pervy now that you're back at work, obviously care of a child is a lot are you planning on sending her to daycare or are you planning on like what does the care pathway look like moving forward because I feel like you've got such a big work ethic that being back at work is important to you as well as financially important to you but like you mentioned as well that your mum's having a surgery soon so that feels maybe not as sustainable so what does that look like into the future I think I've worked out once I refinance the personal loans I can do four nights a week and I think the Centrelink payments would make up the difference yeah and I'd be slightly better off working less than if I worked five days a week

Starting point is 00:26:14 and sent her to daycare yeah for the five days so I think that's the plan once the refinancing is done talk to me just like side note I'm always so pervy on like I am in a very lucky position where my job can be done during business hours so for us daycare works but you've done a lot of night shifts and stuff and I'm sorry daycare isn't actually open from 7 p.m tell me about how that works or like the options that might be available to you because obviously you're like mum's going to be here and you know that will work better but how do you manage that like what does that look like and are there other care options available or is it just a work it out there's still a lot to work out locally there is child care I think they open at 8 30 which wouldn't allow me to do

Starting point is 00:27:05 a morning shift locally 8 30 that's wild most people are starting work yeah very small town yeah okay all right so locally child care and shift work wouldn't work but if I go into the main town I can drop her off at 6 30 okay to start work at 11 but then it's a lot more travel yeah absolutely but is that a bad thing I don't know I've just got lots of questions but is that a bad thing if you're already heading in there like I don't know it's just a bit chaotic hey it's a lot to work out especially with fuel prices oh yes at the moment and the night shift I get paid a lot more than day shift yep lots to work out there well I wish you the best of luck um tell me I want to know what do you think your worst money habit is I don't know if you've got any you seem

Starting point is 00:27:55 pretty switched on I think I'm getting better but now that I can't just pick up a double shift I need to I'm very good at online shopping and having nice things so I need to get better at saving yeah very fair very fair and having a backup plan because already I just had a week off work because my baby was sick yeah and that's rough and because I've just started back I've got no leave so yeah okay and that I feel like that's where it starts to really become a challenge because you don't have that second co-parent to kind of lean on and negotiate all right well I've taken leave from work it's your turn rah rah like you end up in a bit of a pickle because you're like well it's just me and that's perfect for your situation but at the same time it's like

Starting point is 00:28:39 ah financially that's going to mean that we may be needing to budget a little bit tighter and be a little bit more aware. Yeah. I need to stick to the budget. And I don't think that's a bad thing. No, it's a very good thing. I'm just not used to doing it. I'll set you up with a money masterclass, but I want to know, because we've just had this very cool conversation. Like you're 31, didn't think you could have kids, got pregnant, get to do it on your own, was working 70 hour weeks. And like, you've hustled up all of this just cool stuff in your life. And you're like, oh, I think I'm a C. If I had read this story back to you, would you go that lady's a C or do you think that maybe you're being slightly harsh on yourself? Maybe a bit harsh on myself, but I

Starting point is 00:29:23 definitely need to change my habits now that I have a child. And that's okay. But that doesn't mean that you're bad at money. It just means we need to change the way things work because what previously worked isn't going to work anymore. And that's cool, but that doesn't mean you're bad at it. I feel like a C, that's not representative. Like I'm just super proud of you. I just think this is so cool. The fact that you're like, nope, I can do it myself. And you know, my biggest problem is I can't pick up a double shift. I'm like, queen, like the last thing I would be thinking of when I had a six month old is picking up a double shift. Like that's crazy to me, but in the best of ways. Thank you. I love it. Well, thank you so much

Starting point is 00:30:00 for sharing your journey with us and with the She's On The Money community. I have adored getting to know you it's been really fun but at the same time I'm just I'm really proud that there are such cool people and such cool mums in our community just like hustling it up you know like sorry when you said I bought back my property from my ex and then you know still made a profit on it when I sold it three years later like you're switched on I love this yeah thank you the advice shared on she's on the money is general in nature and does not consider your individual circumstances. She's on the Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a

Starting point is 00:30:43 financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's on the Money are authorised representatives of Money Sherpa PTY LTD ABN 321 649 27708 AFSL 451 289.

She's On The Money - I Fell Pregnant at 30… While Single and Working 70-Hour Weeks

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