She's On The Money - I Grew Up Watching Money Be Used as Control. Now I'm Building My Own Freedom.

Episode Date: July 19, 2026

This week's Money Diary is for anyone who's ever felt like their relationship with money was shaped long before they earned their first paycheck. Growing up, money was always part of the conversation in her house. But not in a good way. She watched her mum give up career opportunities, financial independence and choices, while money was treated as something that belonged to someone else. And without realising it, she carried those lessons into adulthood. Spending became freedom. Saving felt impossible. And for years, she bounced between worrying about money and avoiding it altogether. At 31, things look very different. She's earning around $130,000 a year in mining recruitment, has built her savings to $60,000, started investing, and is on track to hit $90,000 in savings by the end of the year. Not because she's perfect with money, but because she finally realised that financial security isn't about restriction. It's about choice. We chat about growing up in a household where money created tension, the spending habits that took years to unlearn, the pressure to buy property when everyone around you seems to be getting ahead, and why she's determined to create financial independence for herself, even while in a loving long-term relationship. This conversation felt like such an important reminder that your money story doesn't have to end where it started.SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust.  CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.  Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs.  Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708,  AFSL - 4451289See omnystudio.com/listener for privacy information.

My name is Natasha Bamblett, I'm a proud First Nations woman, and I'm here to acknowledge country. Tii, gilinyan ganya, nianakaka yao yambina waka, nianakai nianbina yakarumja, duminyagumiga dumiga ithawaka nirawaman daman imalan, mumibangada 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,

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 habits 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.

Now let's jump straight into it because this week I got a message and it sounded exactly like this. hi she's on the money i'm 31 i work in mining recruitment and have spent many years rebuilding my confidence with money i've gone from worrying about every single dollar to saving aggressively investing and planning a dream thailand trip and thinking seriously about my future i don't have a perfect money story i still battle with lifestyle spending and the pressure to buy property but i'm learning how to build wealth while actually enjoying my life i'd love to share the wins, mistakes, and mindset changes that got me here. Money Doris, the second I saw that, I was like, get on my show. This is amazing. Welcome. Yeah, it's definitely been a bit of

a shift. Mining recruitment. I'm not going to ask any questions now. We'll get into that in a hot second. The question I like to ask people right off the bat, what grade, Money Doris, would you give your money habits if I asked you to give them a grade from A through to F? I'd probably to give myself a B. I think I've come a fair way. Yeah. All right. So let's learn a little bit more about that. Can you tell me a little bit more about your money story and the things that have impacted it? I grew up in a house where money was like always like talked about, but like in a negative way, like my dad was sort of would use it as a bit of a source of control. Yeah. So like he wanted my mom to stay at home and raise the children and he referred to money as like his

money oh delightful not like the families yeah which was always like I guess kind of gave me a little bit of a sort of worry about like finances and all that sort of stuff I'd see what pressure my mum was under like not to spend money and things like that yeah and yeah I basically just like saw how she was discouraged from chasing her career and pursuing opportunities that came up to give her financial independence so oh my god that's so rough that is so rough and seeing that as a child like I'm assuming at an age that you were like relatively formative you don't know that's wrong you just go well it must be his money that must be how this works yeah exactly and I think it had a huge impact on me and like the way that I saw money when I first started earning

money for myself I kind of went in the opposite direction of like how my dad is with money like my dad's like wouldn't want to spend money on anything would be very very like strict with money so I just sort of went out and spent all my money on like clothes and you know going out with my friends and things like that it makes sense because you didn't have freedom before and then all of a sudden you have freedom of choice and you're like oh my god I can choose anything and I'm going to and like that is so common like I wish I could be like oh no that doesn't really happen like usually if we've been constricted in literally anything it could be money, it could be food, it could be like a lifestyle, it could be anything. The second we

go from being like, no, you're not being restricted to you can basically do anything and make your own choices. We do get a little bit silly, like we do, and we don't mean it, but it's our way of kind of like making sure that we feel like we're in control. Yeah, exactly. I jumped off the other side of the spectrum pretty much. And yeah, basically was like that up until very recently, to be honest and then I started sort of having a bit of a mindset shift because I'm getting older now and yeah my relationship with money has definitely changed a lot thanks to you as well oh so sweet yeah like I was like getting into saving and and all that sort of stuff and then just like obviously listened to a lot of podcasts and read a few books and things and then yeah my

mindset sort of shifted and I realized that like obviously building like wealth and all that sort of stuff is actually really important because that's actually you've got more control over your money if you're doing that rather than spending it all on clothes and it's totally about learning this idea of delayed versus instant gratification because like when you come out of a situation that is rather restricted whether you understand it or not instant gratification is what we default to because you've had you know this I would say delayed gratification but like not in a good way like things have always been pushed off for you and you're like well this idea of delayed gratification doesn't really work because like people say you can have it later or you know not

now and you're like well that never happens like that never comes true so you go to oh those jeans have sale right now and I'm gonna have them right now and that makes me feel really good and my dopamine spikes and girl I get it like I really do and I got myself into a pickle because I was such an instant like gratification queen but like don't get me wrong that felt good didn't it like we don't have to look back and say oh oh I was so bad girl I had a good time getting into debt like I really did I enjoyed the five parcels a week oh my god me too but like at some point you realize hmm this is actually stealing from future me what am I gonna start doing so tell me about that mindset shift you started listening to podcasts and like picking up content and focusing

on your savings but like what made you go I actually want to do this because like so many people want to but then don't I think a lot of it as well was I changed from being in a job where I was making it week to week whereas like any little bits of money that I had spare I was like oh I might as well just spend it yeah and then obviously got better jobs and better jobs and then sort of was like okay well I need to actually start thinking about my future growing a bit older as well and then sort of realizing that other people are further along than me like I was just renting with some friends and you know then I sort of realized oh the property market how am I ever gonna like afford a home if I don't like start to actually really think about money and savings

and all that sort of stuff. Totally. And in the, I don't know if I call them letters or emails or whatever people send me, you said that, you know, you're still battling lifestyle spending and the pressure to buy property. And I feel like that's really relatable for our community. And you keep saying, I'm getting older. I'm like, want to like smack you down a little bit and be like, queen, you are only 31. Like, please, like you are so young, but it's so hard when you get to that, like 30 year old age I feel especially for people in 2026 you get to about 30 and like it's like wealth starts to seep out of people so instead of being relatable and having housemates and you're all kind of in the same ship like you will start to see a few friends buy a property and you're

like hold on I didn't even realize you were saving and you start to see a few friends like spend big on a Europe trip and you're like hold on I didn't realize you could afford that and you kind of realize that people have been saving and investing in the background and you're like feel left behind in a way but you're not like you're literally where you're supposed to be but is that kind of how it felt for you yeah definitely I felt like I was behind a lot but another thing would be I'm in a long-term relationship and my partner he owns his house and has pretty much nearly paid off his mortgage okay she knows how to date he's a bit older than me but I think like as well like bringing it back to like my parents and that situation is like I

still want to buy my own property because like I'm yeah I'm quite adamant to be like independent and have my own financial like freedom as well I'm obsessed I I can't tell you how much I love it when I meet a woman who says I'm in a long-term relationship or I've got a boyfriend but like I don't want him to be part of my bigger financial goals because I just want to be set up on my own you just know that that's a really healthy relationship you just know that like you obviously have a good level of respect for each other because so many people are like oh my boyfriend just doesn't want me to do it without him and that's not a problem like my husband if I had said I want to buy my own house he would have been like Victoria I feel left behind like

I want to be on this journey but like obviously there's a bit of a difference in your relationship where you said your partner's like ahead of you you're like I just want to catch up and I want to be on the same page and I just is your partner really supportive of that yeah no he's happy for me to do it like he's said in the past like just save as much as he can and potentially in the future like depending on obviously what what happens in the property market and stuff like we might eventually buy something together or I might buy something solo but yeah he's very very supportive of my saving journey like he doesn't make me pay rent or anything so it's quite helpful oh money win thank you sir oh I love to see it all right tell me a little bit more you know you

said you went from worrying about every single dollar and I find that when people say that there seems to be like a tipping point because like given your money story and the way you grew up you're like I'm just spending week to week and like I'm just spending what's there because it didn't feel like enough like or it might be incorrect but that's the vibe I was picking up from you know what you said you kind of said that you'd spent all of your money and then there was like a little bit left so you're like what's the point at what point did you go actually that small amount of money has power I should be like saving I should be you know putting that aside for later and did it feel fruitless at the start or like where did this come from to have such a big mindset

I kind of hit rock bottom well not rock bottom but like I just had loads of outgoings and I wasn't managing my money well like I was still going out a fair few times a week for like meals and things and then like I remember like being on the phone to like a phone company and like asking for them to defer it every couple of weeks and I was just like oh this is like I don't want to be in this situation where I'm living week to week and like I'm stressed about money like I remember crying to one of my supervisors at the time like about money and like if I could get a pay rise and I was like I don't want to be asking that based off like yeah I want like to be asking based off merit not because I feel like I'm in financial trouble and stressed out and yeah that's such a stressful

position and so what was the first thing you did you obviously consumed a whole heap of content but did you open a separate savings account or did you just go oh I'm gonna say no to the next dinner like what was like I guess the the small steps that took you towards this I opened a completely different savings account so I have my main account with commonwealth and then I have ubank as my savings and then within that I have eight separate accounts where I eight oh my goodness you've gone ham I love it yeah I went a little bit crazy with just separate accounts but I transfer on payday automatically into my savings like it's a rent situation so that goes straight into my savings I'm saving 1,600 fortnight into my savings how good's that and then I'll put in

like you know $50 into like presents $50 into whichever account and then like that will just build up like I've got an emergency fund as well so stop it past you would be like who is this woman what has she done and why is our money all so organized like what do you mean it's not in our wardrobe no it definitely feels good as well to have like an emergency fund and stuff I'm obsessed so tell me a little bit more about you you mentioned that you work in mining recruitment so what is that job and how much do you get paid to do it yeah I work as a recruiter for mining so essentially employ all like mechanical trades in the mining industry and i get paid it's like a commission-based job so this financial year would be around 130 stop it what's your base 95 oh how

good's that that's a nice amount of comms so tell me are the people that you're recruiting for i don't know what you meant so you said like for mechanical trades obviously i understand that but like does that mean that they have to be skilled or does that mean that you know they're going in and being trained or like what type of people are you looking for and how hard are they defined yeah mostly have to be trained so a four-year apprenticeship we do have a few people like service people which are not trained but we don't get too many on that it's more the actual apprenticeship yeah no that makes sense they have to have completed a four-year apprenticeship and usually a couple of years experience behind them as well to sort of get them on board i feel like

that means you're as a recruiter probably hustling pretty hard because like my best friend was a recruiter for 10 plus years and she worked more in professional services and she got to lean on like linkedin really heavily but when you're working in like that more mechanical field they're not usually setting up a really shiny fancy linkedin for a recruiter to stumble across So am I right in assuming like the hustle is hard? Yeah, not many mechanics have LinkedIn. So it's definitely a lot of seek and cold calls and things, yeah. Yeah, wow, how cool.

So now tell me, what's your big money goal? Like you said that you have your UBank set up. It's got eight different accounts, but like what are you working towards? So I have a couple. So by the end of this year, I want to have 90K in my savings. Stop it. my main savings account just because yeah i'm looking obviously potentially property so just sort of want to have that set in there and then i'm going on a trip to thailand with my partner

at the end of the year as well so three weeks away in thailand so oh my goodness thailand is stunning tell me how did you plan that trip with your partner like how are we funding it he's not really a saver he works in mining so he gets like a fair amount of money each month when he gets paid. So he doesn't really save. He'll just be like, oh, I've got the money. I must be nice. Can you just introduce him to me? Oh, that sounds bad. But can you introduce him to me? Because I want to set up his like money and cash flow system because my goodness, the amount of people that I see in like these mining jobs, which you can probably agree with me, they could last forever, but often people want to tap out, but they haven't set

themselves up financially well enough to exit the industry so that they're like stuck on the rat race of mining can you tell him to get his budget life together please yeah he definitely overdoes it on the uber eats but no he puts most of his money onto the mortgage so he's nearly paid it off so he's not too bad with money but he's also got high cash flow so tell me obviously he's gonna fund it as is and you've been saving for it how bougie is this holiday like how did you make decisions around oh what's a reasonable price to pay for a hotel because they've really been adding up or I'm finding that when I'm googling holidays to go on they're just adding up and hotels are so much more expensive than I like have in my head what they should be is that

the same for you while planning yeah well it's definitely on the pricier side just because we are going over Christmas and New Year's oh yeah you've really you've really decided to ramp it up there but I already have like booked them just not paid for them all yet but I did go sort of mid-range it is going to be a little bit expensive but I think we're probably in the next few years looking at having kids so I'm like oh well you know it's a big before yes yeah go hard because like I'm telling you right now I had a baby obviously I have two of them we traveled to Europe with my son when he was four months old and that was incredible but right now he is two and there is absolutely no chance I'm getting on an international flight with a two-year-old

And I don't know how long that's going to last. And like, it's a season. I'm not mad about it, but like, yes, live it up right now because when they're teeny tiny little sweet potatoes who can't move, holidaying with them is easy. But once they have little opinions, absolutely not. Once they can run, absolutely not. I'm telling you right now, I do not, yeah, I do not want to just parent overseas. Like that would not be a holiday for me. It would be wasted. Yeah, exactly. It's a bit of hard work. Yeah, exactly. So, I feel like you've got your head screwed on there. Money Diaries, let's go to a really quick break because on the flip side, I want to ask you a little bit more about this $90,000 in savings because that's incredibly impressive. Your investments,

your debts and your personal insurance. So, don't go anywhere. All right, Money Diaries, we are back. 90 grand in saving. Girl, that's hectic. How did you get that much money in savings after saying, I just, I wasn't very good at money and now I'm 31. Queen, what? Well, I'm not quite there yet. I want to be at 90 by the end of the year. So it's currently at 60. Okay. But okay. Like reframe, it's at 60. Sorry. You've got more than 10 grand in savings. Like when you said, oh, I just, I've started saving. I just fully expected you to be like, look, you know, I've just really started and I've got my first five grand in savings which would also be impressive but you blew that out of the water how did you

change your mindset so dramatically to have such a large sum I've been trying to get behind like the under consumption videos and things on TikTok because I definitely had a spending problem so very fair yeah that's definitely helped a lot trying to shift my mind from like spending all my money so I think that was a big thing for me is just like not spending so much money on on flows and things it's kind of humbling isn't it when you fall onto like that side of content and you're like hey like these girls might be onto something one of my team members brooke you might have seen her on socials she does a lot of content like that and i'm just obsessed but even in our team group chat she'll be like literally who she is online is who she is in

person and she'll be like guys this is on sale or hey guys i've been thinking about this top for a month? Should it be my like one purchase of the month? And we're all just like so behind her. So when you fall into that, do you find that your friends have started embracing that type of lifestyle as well and being like, oh yeah, queen, get it? Yeah, definitely. Oh, obsessed. All right. Tell me about investing. Is that something that you've dabbled in? Is that something that you do? If not, why not? Yeah, no, I've started investing. I started with the $5 from you or the Sharesies app. You started with the $5 from the Sharesies at, which I think is a money win. Yeah, no, it was good. And yeah, just started on there. I think I

have two and a half thousand dollars in there now. I think I'm going to go more aggressive on that once I get to my savings goal. Yeah, that fair. Can tell you what it's invested in as well. Oh, I would love the nitty gritty. I feel like some people are like, oh, I just have two and a half grand invested. And I'm like, queen, we want to know the nitty gritty. This is anonymous. What have you picked vanguard is one of them the australian vanguard i've got commonwealth ndq and then just a random rogue one which is hli insurance company or something what made you pick that oh i don't know you were just like this is a good idea i love it here well it was one of the first ones and then i just was like i don't know why i picked that but that's okay it's just part

of the journey when it came to picking I guess NDQ and Commonwealth were they more strategic decisions or were they also things that you were like oh they feel right I'm just going to pop them in and see how I go Commonwealth I can't really remember the thought process behind that but with the NDQ one I listened to like a lot of information about that and stuff first and did a bit of research on it so same with the Vanguard very cool and once you hit your 90 grand in savings, what do you think you'll invest more in? Are you going to go more down like the Vanguard ETF route and holding that or are there going to be more individual shares? Like have you thought about the strategy behind it? Not too much at this stage, but I think it would probably be

more ETF focused than individual shares. Love. Now tell me about debt. Do you have any debt? Have you had any debt? What is that part of your life like? Yeah, so I had a car loan, but before my money mind shift like changed I wasn't even like I was paying off the bare minimum of that and because when I started with the car loan I was working in hospitality so I think my repayments were like $80 a fortnight which wasn't great looking back at it now I would have paid a lot of interest on that I think it was at like seven percent or something the interest and it took me like I think it was like six seven years to pay off and then obviously as soon as my mindset changed I just went and wiped that off. Good girl but at the same time like when you went and got a

personal loan or you got a car loan I just feel like the marketing the way it's positioned to you it's not hey money diarist like $80 is the bare minimum you're meant to be paying more to get ahead they don't say that they say oh girl it's only gonna cost you 80 a fortnight and you go oh i've spent more on this that was fine no worries like they don't tell you what you should be doing to put yourself in the best possible position they tell you what you should be doing to maximize their profit and that once you learn that really annoys me i actually wanted to do more but they told me because i was in a casual hospital job they wouldn't recommend just like okay oh no No worries. You must be the experts here. They're like, oh, don't do that. We wouldn't want to put

you out. They made you spend more because you were in a casual hospo job. It's even arguably more important to get rid of it sooner because you were paying more interest. I am salty at them. All right. So that's gone. Have you got any other types of debt? I did a uni degree. So I've got HECS. I think that's sitting around 30 now. And is your uni degree something that you use now for recruitment? no it's not necessary to have a degree for recruitment but i'm sure it helped me like get positions like yes 100 what did you do at uni major yeah that definitely would help you in the recruitment space like a thousand percent i know they looked at your resume and they're like

oh she's gonna know what's up and how to ask the good questions and see what's going on money diarist you are 31 and you earn 130 grand ish a year tell me what personal insurances have you set up? Haven't done the personal insurances yet. Cheeky. Obviously you've listened to a lot of podcasts. Is it something that is on your radar, not on your radar? Like tell me a bit more about that side. Yeah, it's definitely on the agenda. I'll probably look at doing it with my partner. So we're both, I'm not sure if he has it, but just like go through it and have that chat. We just currently have a housemate. So I'm kind of waiting for him to move out before we sort of like go through like everything in our lives because we want to buy a whole bunch

he kind of has like a you know bachelor's pad vibe in terms of like the furniture and stuff so i want to like work out a plan of like what we're going to do with everything like that and then i'll sit down and just do yeah a whole financial life cleanse reset and be like okay what are we as a couple doing moving forward yeah exactly like our plan as a couple so that's definitely going to include the personal insurances for sure. Yeah, for sure. All right. Tell me, I feel like you've been gaslighting yourself, like low key, you're like a weapon. You're like, I'm just a bee. But tell me, what do you think your best money habit is? Because I feel like there's going to be a good one here. Yeah, it would probably be being able to actually be set and treat my

savings like a rent type of payment and just automotive payment into my savings. So it kind of means that I'm just left with what I have to spend and sort of not going over that which is good if we went back and we talked to past you and said you automate your cash now do you think that she would think that was restrictive or do you think that she would think that was crazy or like would she say yeah we needed that yeah I don't know I probably would be like I'm not going to be able to like be able to live if I did that back then so I'd probably have been like it would of stressed me out like not feeling like I have money to fall back on but obviously now because I do have that emergency fund if something does come along then I can go into that not my savings

so yes so fair tell me did you prioritize your emergency fund or your savings first like the chicken or the egg I started the emergency fund first but it wasn't much at the beginning like it was just $50 a week and then I was like oh I could probably start a savings account as well I just thought the emergency fund was like it was more important to have that to fall back on if anything happened and then obviously savings was the property was in in my mind at that point so I was like okay well we need to do that too yeah a hundred percent and I feel like that sets up really good money habits because if you are somebody who's been I guess living week to week and that doesn't necessarily mean that you don't have enough money it just means that you've been

spending it all but if you are in that situation it feels restrictive to start saving but then it also feels good once you have an emergency fund that you can fall back on things and be like oh I actually did save for that and I can you know not go into financial distress over this but then it also sets up this really great money habit that you don't dip into your savings to pay for things and like now do you feel like that money you said there was about 60 grand sitting in your savings do you feel like I cannot touch that like that is not mine to touch unless we're doing property stuff or do you maybe dabble a little bit yeah I don't actually tend to take much out of my savings I have done in the past if like maybe sometimes I'll forget about a payment or something so

occasionally I've taken something out of there but it's I'm pretty consistent with with keeping it in there I love it tell me what is your worst money habit definitely convincing myself that experiences don't count as spending like I've been pretty bad lately there's been a couple of concerts and festivals and things that I've spent money on and we're going down south to like wineries region for my birthday so paid for that recently as well do you know what it sounds like you're doing pretty well regardless so if that's your worst money habit like queen live it up I think that that's working quite well for you at the start of this episode you said B I think I'm a B. I didn't used to be a B, you know, I've come so far, but now I'm a B. Queen, what does an A

look like then? Because I feel like you're in such a good position for someone who's only 31. Yeah, I think maybe like to get myself up to an A, obviously look at the personal insurances and also I'm currently putting $50 of my pay each fortnight into my super. Oh, see, that's good. I'd like to do a little bit more than that. So just trying to build up that super a little bit more as well. We didn't touch on your super before. When we look at your super account, what's sitting in there?

About 70. Okay. So you're doing quite well for your age as well, but you really want to kind of turbocharge that and see it grow? Or are you feeling behind? Like why is contributing to super important at this point? Yeah, just want to obviously make sure that I am set up for retirement. I think people don't really like realize the value in that.

And also this next year, I've taken on like additional work and stuff. So I think it will be above the next tax bracket and everything. So I just want to probably, when I get bonuses, put that into my super so I don't get taxed as much. It makes me, I mean, just to give a little bit of context, because when we talk about super, I love to give context because so many of us go, oh, I've only got 70 grand. Girl, you've got so much. but the average balance of a 30-year-old woman in Australia is between $44,000 and $58,000.

Has you taking some time out of the workforce because, you know, you said before, at some point my partner and I want to have kids and, you know, we're obviously going to go on this beautiful holiday before then. Have you thought about your superannuation plan during that period of time? Yeah. So obviously that's the thing that concerns me coming from like the mindset that I have like I'm very much like it sounds bad like not against men or something but like a bit distrusting like of like yeah you know someone turning around like if you go on maternity leave and like oh one I'm making money and you're not really making much money type of situation so I think it's been really important for me to kind of like make sure that I will be contributing to

that still so yeah ideally be in a position where I get super from like my employer but I think they're changing that super thing at the moment aren't they so yeah there are heaps of changes coming in and that your parental leave will have like minimum superannuation payments on it but it's always a really good conversation to have now because i don't think you and your partner are ready for that conversation not in a bad way just dinner you said look we're going on a holiday my partner actually lives in a bit of a like a man cave vibey house like i just don't think talking about hey when we have babies are we going to be contributing like together to my super that can come later but it's nice to have those thoughts in your head about what that looks

like because we have actually talked about oh you have yeah yeah I'm very like I'm like oh what's what am I what's my super gonna look like and all that sort of stuff so we definitely have had conversations around it yeah yeah and is he open to the idea that contributing to your super while you're on leave would be a constructive thing to do. Yeah, definitely. I'm obsessed. And also I'm going to like make a grand assumption that because he's in mining, he probably has a really nice super account himself. So it kind of makes sense to make that more equitable money, Darius. Like I don't want to argue with you, but I do think that you're higher than a B. I feel like you're just looking at things and going, oh, but there's so much to do in the future. But like right now

you've got all your ducks in a row. So I would say that is a type behavior, but I also don't want to make you go, oh, I'm an A if that's not aligning to your values. But my queen, this has been so good. Like, what do you mean you've gone from being somebody who said, you know, I didn't really have a lot of confidence with money. I used to worry about every single dollar and now I'm like aggressively saving and investing and I'm going to go on a dream holiday. And, you know, my money story isn't perfect, but you know what it is? It's constructive and I'm learning to build wealth. like, girl, I could not ask for more from somebody in your position. And like, you've got 60 grand in your savings and you're projecting that in the next, what, less than six months, you're going

to add another 30 grand to that. That is elite behavior. Like, I am just so excited for you to achieve that. Can you please message me when that happens? Like, I'm just, I'm so excited for you. And I'm just so excited that we got to share this story on the podcast and that my community get to hear it or our community get to hear it so it's been a pleasure thank you so much thanks for having me appreciate it 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

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