She's On The Money - It’s Never Too Late For a Financial Glow-Up

Episode Date: June 8, 2025

She thought she was good with money. Her salary was solid. Her bills were paid. She was even traveling. Life looked fine... until it wasn’t. This week’s Money Diary is all about the slow realisation that earning well doesn’t mean you’re building wealth. After a divorce, a court battle, and two lost properties, she hit financial rock bottom. But what really shook her? Watching a $20K bonus disappear, and not being able to say where it went. That was the moment everything changed. She started tracking every dollar and bought a place to call her own doing the work to build a future she's proud of.  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 Natarsha 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 - 451289.  See 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 yinbina waka, nianakai nianbina yakarumja, duminyagumiga dumiga ithawaka nirawamundamun imalan, mumubangaraboma ininyalan waka, gaunonyakarumja, 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 days where i get the absolute pleasure of sitting down and having a chat with one of our beautiful she's on the money community members all about their journey let's jump straight into it because this week I got a message and it sounded exactly like this. Dear She's On The Money, I'm nearly 45 and for most of my life, I thought I was fine with money. I earned well, paid the bills, even traveled, but I never built any real wealth. Growing up in East

Germany under socialism, I believed money came to people on the right side of the wall. After a messy divorce and a draining custody battle, I hit financial rock bottom. It still took years and stumbling across she's on the money before I realized the problem wasn't my income. It was how I used it. I'm finally changing my habits. And for the first time, I feel like I'm in control. Money Dosed, welcome to the show. This whole story has so many facets. I don't know if we're going to have enough time to get into all of this today. Like that's a lot. Yeah. Hi. Welcome to the show. I'm so excited to talk to you. Before we dive completely in, can you tell me what grade would you give your money habits if I asked you to give them a grade from A through to

F? Oh my God, I really thought long and hard about it, but I would say maybe a C minus. A C minus. All right. Well, I think we can learn a little bit more about that in the next few minutes. Talk to me. I want to know, tell me a bit about your money story. Yeah. So like I alluded originally, I am originally from East Germany. And yeah, it was always, I don't know, as a kid, I always thought everything at the other side of the wall, everything is bigger, shinier. You just got to get over there and life will be great. And my mom, she was a single mom. I'm an only child. She worked really, really hard. So my perception of money was the harder you work, the more you're going to earn. And that's how you make it in life, really. It sounds like your mum was an icon. Yeah, she unfortunately passed away when I was 12. My goodness, that's another layer to the complex money story.

That would have been terrible, especially if you only had a single mum. Yeah, yeah. We had just moved over to West Germany. So she married a West German who was rich. So that influenced my, well, so I thought that he was rich. just you know he had money all the time and we went on holidays all of a sudden so but yeah it's it was yeah very strange time of my life I was like I said only 12 years old and I met my biological father at my mom's funeral and ended up moving in with him and his wife back to East Germany

deep deep east and yeah it's just definitely interesting. Oh my goodness meeting your biological dad at your mom's funeral, like girl, that is 50 layers of trauma. Like that would have been just like an absolute whirlwind. And at 12, you're about to go through puberty. Like that would have been such challenging time for you. And to come through all of that and be the icon that you are today, you're incredible. I'm already obsessed with you. Thank you. So tell me a little bit more about what happened once you became an adult. So you said, went through a messy divorce. like what was that like? How did that eventuate? Yeah, yeah. So I always say my 30s are kind of like down the drain. So I got married when I was 30 and then had my first child and then

shortly thereafter my second, but it was an abusive relationship. So eventually towards the end of my 30s, I finally like, yeah, something happened and I just decided to leave. And because it was such a toxic relationship, I basically left everything behind. We were owning two properties at the time because originally we were living in Alice Springs for six years. So we had a house there and then we moved over to the West Coast and we bought our second house when I was pregnant with my daughter, my second child. So eventually I was like, I had enough. I left and I kind of just gave everything up. We sold the property in Alice Springs at a loss and the property in WA he held on so he's still owning that but yeah I like I said I walked away with

nothing and then he took me to court to fight for the children so that cost me a lot of money obviously the lawyer was $15,000 and like I said I always thought I was good with money and and I was able to sustain the lawyer for a fair bit but then eventually I had to go home to Germany and walk around and kind of like beg for a bit of money and a bit of support. So, but yeah, eventually we came to an agreement and the kids are now 50-50. So that's good. Yeah. Wow. Oh my goodness. I feel like it couldn't get worse. And then you're like, yup. And it was actually terrible. And I walked away with nothing, but like, good girl walking away from that. So many people don't. And that's such a hard thing to do.

I'm genuinely so like, I know you said your thirties are down the drain. I think we actually just learned a lot during that period. And now you're going to thrive in your 40s. Like 40s are the new 30s anyway, right? That's the plan. We're just starting from scratch. Tell me, how did you end up in Australia? How were we so lucky to get you? Yeah. So I actually came to Australia in 2007. So I only came on a work and holiday visa. So my ideal life was always to travel as much as possible. So wherever I went, I also worked because that's the cheapest way of travel in my eyes. So I also went to America for two years.

Actually, I was just listening to the other Money Diary. Oh, the San Francisco one? Yes. Yes. That was a goodie. Yeah, yeah. So I lived in San Francisco for two years, which was great. And then came back to Germany.

But then Germany is really, really small after having lived in San Francisco for two years. So then, yeah, I went to Australia on a work and holiday visa. I worked as a tour guide, but then I just fell in love with the country and worked really hard. I got a working visa luckily. So that's how I came to stay and then met my husband and yeah, rest is history. And ended up in Alice Springs. Alice Springs is a very rogue choice when you said just before, oh, Germany was really small. Like girl, I don't know how to tell you, but Alice Springs is a little bit smaller. Actually, it was not the plan. I always had the job. I was looking for a job before I left Germany. So I did have the tour guiding job in Alice Springs before

I left. So I needed that security, but that was only meant to be a six month stay. And then I was going to travel for another two to four months and then go back to my job that I had. I just basically took a sabbatical in Germany. But yeah, Alice Springs, it's so beautiful. I mean, unfortunately, not anymore as much as it was back then. So, I ended up living there for six years and I also lived a year at The Rock. It's just, that will always be true Australia for me. Yeah, no, it's so beautiful. Don't get me wrong. Now that I live at the West Coast, close to the beach, I mean, I'm like five minutes down from the beach. That's obviously lifestyle, like right there.

that's a good deal and growing up in East Germany I bet you never thought that you would live five minutes from a beach oh definitely not no definitely not that's crazy even though you've been through so much like I feel like you've got this like dreamy little lifestyle now like that's beautiful yeah no I'm definitely very fortunate I've got two beautiful kids that's and yeah the where I live and yeah I definitely can't complain adore so tell me you mentioned before like I was a travel guide. What do you do for work now and how much money do you earn? So I'm an operations manager out at the airport. Yeah, cool.

So I've got a base wage of $139,100. That's so good. Yeah, yeah. It's a great, actually my base pay plus the allowances is like at $153,000. So it's, yeah, it's fantastic. And then once a year I get a bonus as well, a 12% bonus. excuse me that is so good so 153 plus some bonuses here and there like that means that we can build some serious like financial freedom I mean so you think but oh absolutely absolutely you are still a baby you are still young you said you're 44 right we've got so much time on our side talk to me about how you got into that because like I don't know I just I love this idea of a journey you being

so young and having been through so much to then being an ops manager at an airport in Australia like that's kind of crazy to think that 12 year old you would move back to East Germany didn't know what was going on like very tumultuous period of your life now you live here like did you always want to leave Germany was that part of the plan like how did this eventuate yeah I think it's all because my mom always, she always wanted to leave East Germany. That's how I grew up. So it was always, obviously, the regime was pretty tough. So I only heard whispers here and there. They weren't obviously openly talking about, but traveling was always something that my mom wanted. And she always like, she was considering a fleeing across the border, but she was too

worried about me because obviously people were here doing that. So I kind of always felt like I was holding her back. And then when she passed, then obviously I kind of took that on and then I've been living the dream. Let's go, mom. I am sure she's somewhere so proud of you. Like she's just like, look at my baby go. She is so proud. I love that. Tell me a bit more, like what are your big money goals? You've been through a lot. You went through a messy divorce and a draining custody battle. You now have 50-50 custody with your kids, which is a brilliant outcome. Talk to me about what your big money goals are now. The biggest goal is obviously paying down the mortgage as fast as I can because I last year just I beg borrowed and stealed and

stolen got my foot in the door with a little apartment which I'm so happy I was like just at the right spot at the right time which very rarely happens so I want to pay that down a bit faster because obviously 30 years is quite daunting in my age and then my daughter really really wants to go to Japan. So trying to see if I can make that happen somehow. I love that. How old is your daughter? 10. Oh my goodness. So she's 10 and she's like, mom, that's my dream. Yeah. She's a huge Harry Potter fan. So she wants to go to Harry Potter world.

Oh my goodness. I love this for her. So we're hopefully going on a holiday to Japan and we are going to pay down our mortgage. Let's go to a really quick break because on the flip side. I have a lot of questions and I feel like you have a lot of insight. So guys, don't go anywhere. All right, money diarist, we are back. I want to talk a little bit more about this mortgage. You said you begged, you borrowed, you stole so that you could get into your first like apartment on your own. I know this isn't your first property purchase, but it's like you've done this on your own. So that feels a little bit different. How did you manage that? you said money was really hard. Obviously, you realized quite quickly, it wasn't really about

how much you earned, but how you were using it. How did you kind of come to that, I guess, conclusion that you were like, I've got to do something about this because I need to buy an apartment? How does that happen? Because I think lots of us want that. Well, to be honest, COVID and interest rate rises, right? I never really wanted to own because back in Germany, you grow up as a renter. It's a common thing. People only really buy when they're rich. So when we bought our house with my ex-husband I was quite opposed to it so when I got rid of the properties I was also quite happy about it but then renting just became a drama I mean I moved like almost every year with my children so every year we had to pack up and move into another house and then we

finally had a house where we could stay in for two years in a row and then they janked up the rent from 450 to 650 like from one year to the other and that was just there's no budget for that like it's just impossible. So $650 a week is just, yeah, I just can't do it. So I kind of was faced with having to make a decision and then obviously realizing that in Australia, you were talking about that in one of your other podcasts, retirement is all laid out. It's based on you owning a property. So I thought it's now or never. And I reached out to a broker, listening to you, love get it yeah so reached out to a broker and then yeah we went with key start so I had very very little deposit but yeah yeah so the key start program means that single parents can actually get

in for as little as a two percent deposit which is actually so cool but the process is I won't say it's super complex but you usually need a broker to be able to help you through the process and apply for it because there are only a certain amount of slots every six months that are available that is so cool that you got in on that like that makes me so happy that you're in the best possible position so talk to me about investing have you got superannuation if so what's the plan there yeah so i do have super my company pays 12 so they've always been on a bit of a higher rate but obviously i've only started in 2007 so i'm a bit behind the eight ball once again listening to your podcast, I've seen a financial advisor at the start of the year. So he's just working

all of this out. He's already told me that I need to swap supers. So I have a meeting with him next week. And he's got a bit of an action plan for me, swapping supers and building the wealth a bit more. You are absolutely on top of this. I feel like these are all the things that I would have said, look, if you're feeling underconfident, go and see a financial advisor. If you want to get in your first home, we could maybe get a deposit for like 2%. You've done it all. You don't even need she's on the money anymore. You're just flying. I'm obsessed. So talk to me about this home loan that you've got. How much debt are you in? Like, what did you purchase your home for? Yeah. So I was once again, super, super lucky. So

no, you weren't lucky. You were not lucky. Luck doesn't come into this. You worked hard for this. I bought it for $451,000. Yes. Very specific. Yeah. So it was advertised for $450,000 and then we agreed on 450. And then the real estate lady rang me, can we make it 501? I was like, yeah, no worries. And then my broker actually reached out. So I purchased that in July through Keystart. And then in November, totally unexpected, my broker called me and he goes, did you know you can refinance? And I said, what, already? Like, are you serious? Yeah. So the property went up in value so fast that I actually had equity enough in it that I could refinance. So in November, but just before Christmas, I refinanced. So now my mortgage is at $434 for 30 years.

Oh, look at you go. I adore that for you. And I love that you've got a proactive broker because so many people, they'll go see a mortgage broker and then they'll never hear from him again because the loan's set and forget. I love that he called you up and was like, okay, cool. So this is going to put you in an even better position. He sounds great. You keep him. You make sure that you look after him so that he keeps broking for you for the rest of ever. Talk to me about what the plan there is. You're trying to smash down that mortgage. What does that look like? Yeah. So according to the financial advisor, I got to obviously up my payments. So I'm just waiting to catch up with them. My plan was always to pay more than what I need interest rate wise,

but I also have an offset account. So to be honest, I'm a little bit lost since I got the offset account because now I've got all my money going into the offset account. I no longer have like all the different accounts like I used to. So I probably, once I've spoken to my financial advisor next week, I'm probably going to have to restructure how I'm doing everything. You can call your mortgage broker and ask about how many offset accounts you can have. Some mortgages will only allow you to have one, but I've got my fingers crossed so that if you call your mortgage broker, he might say, look, you can have as many offset accounts as you want. And then you could like have lots of different accounts to separate it out because that might

actually, and you could do that before you see your financial advisor and just inquire and say, well, could I have more offset accounts for the same mortgage? Because then you've just got a lot of them. You can have that clarity. You can do that planning, but at least all of those dollars are offsetting your mortgage, which is what we want, right? Like we want to make sure that our money is working really hard for us, but often you can actually have more than one, which might actually work for you. Oh, yes. Oh, that sounds great. I definitely inquire about that. Yeah, definitely give him a buzz and say, excuse me, I was talking to a friend and she said that maybe I could have more than one and that might actually help. But it's frustrating when you start

to feel a little bit out of control of your money because it sounds like you're trying to do the right thing by like loading up your offset. But then you're like everything's all together and there's no clarity. So tell me, how do you usually manage your finances? Yeah, so I always thought I was good with money because I tracked everything I have this spreadsheet and I still have it and every time I spend something I put it in the spreadsheet but I just really haven't gotten the hang of what budgeting actually means so I never overspend but I never stick to budget either so I just basically I'm just tracking so that's what I'm trying to learn by listening to your podcast and reading your books it's just trying to rethink trying to retrain myself on how I

manage that. So how did you come to that conclusion because you said I realized the problem wasn't my income it was how I used it and obviously if you hadn't like been introduced to she's on the money or anything like that before were you just like this is a problem like I've got good money but like it's not working or like how did you come to the conclusion that you were like something's not right? Yeah so it was basically whenever I wanted to go on a holiday or whenever you know something a big purchase came up I was able to get that money together by saving and being you know stingy and so I never really had issues with overspending, but I never ever had anything left over, so actually, it was when my next bonus payment came up, so every March, I get bonus payments,

and then I realized, listen, I've been earning all this money, but at the end, I don't actually have anything to show for. I'm nearly 45, and I'm living paycheck to paycheck. I mean, I don't live bad, but I also don't live exorbitant, like I, you know, it's kind of obviously lifestyle creep and whatnot. But I had to dial that back now with the mortgage and everything. But somehow when we went out with friends, you know, and the extra coffee here and the extra takeout there, I kind of go like, oh, it's actually a lot of money. So I didn't really have anything to fall back on. And I kind of realized now with my age and having two children, I kind of have to start looking at what is there when I don't have an income. Did you find that quite confronting when you're like,

oh yes yeah because that can be really hard right you think oh I'm you know nearly 45 what am I doing like that can feel terrible it's not terrible but it feels that way yeah yeah or when I went to Germany to ask for money for the lawyer my stepdad he was saying you're really bad at money and I was like what do you mean I'm really bad at money you know I can afford everything I want I earn a lot I work hard sometimes I have two or three jobs at the same time so I can afford everything I want to afford. So I kind of like shuckled and I'm like, yeah, whatever. You know, I obviously didn't plan on going to court to fight for my children, you know, so I kind of really didn't understand. But, you know, he's been investing and he's been looking after his money, which I

haven't been. So now I've walked actually past your book at the bookstore and it was on special. So I grabbed it. Money win. Exactly. And then I started reading it and you talk about the money story and it was so confronting for me I couldn't actually keep reading I had to like put it away because it triggered me I'm sorry but it's so important for you to understand yeah so that's kind of where you know I'm just slowly step by step I'm just realizing the way I looked at money and the way I looked at what it actually means was completely wrong so I'm just trying to retrain that it wasn't wrong it just wasn't what you want it to be and I think that you need to give yourself a lot of grace because with what you've gone through in life to have now moved yourself to

Australia and be earning what you're earning like that's incredible like that is so incredible like that is for a lot of people I'm assuming they're still in East Germany still living the same type of lifestyle still you know scrimping and trying to save and you're here going no no no I want better for me I want better for my kids like that is iconic behavior like that is exactly what we want the scene. Yes, we weren't doing what we wanted to before, but you didn't have the tools and resources that you had right now. You didn't have that before. You weren't doing the wrong thing. You just didn't know what the thing was that you wanted to do. And I think that sometimes we need to start using language that's not crucifying past you. Because like, if I go back

any point in time, right? Like I go back to Marnie Dyreston, you're 30. I go back to you when you're 25 and I spoke to you. I think that you would have been doing the best that you could, right? like you would have been doing the best that you could with the tools and the resources that you had but you just didn't know any different so like we're not being mean to her she did the best that she could and now she's doing even better she's thriving now and that's good but I don't think we want to be harsh on ourselves in the like oh I was doing the wrong thing you weren't doing the wrong thing we're just trying our hardest we just didn't have direction and now we do and that is very cool so I'm actually going to set you up and I know that you've got a financial advisor and you

can show them this, but I'm going to set you up with my money masterclass, which is my like, it might be a little bit confronting. So I do apologize because I do have a lot of videos in it about money stories and like about you coming to terms with what that means and the difference between your money values and your money beliefs and stuff like that. So I'm going to give that to you, but there's a really beautiful spreadsheet in there. That's actually a bit more like a software program. I've coded the whole thing and you just put in what you're spending and it will spit out what bank accounts, especially based on your offset, where they need to go and how much money you're spending on a weekly basis and what percentage that looks like so that you have

complete clarity. And I think that that's going to really work for you because I can see you're trying so hard, but like we just need another tool. We just need to throw something into the mix to make it a little bit easier. So once we're done recording today, I'm going to set you up with that. But tell me a bit more. I'm so enamored by your story. Talk to me. What do you think your best money habit is? Like growing up in East Germany, you're going to have to have some good money habits. Like you said before, I can scrimp, I can save, I can pull together money. Like I feel like you're a bit of a wizard. Yeah, well, I definitely, if I have the plan that next year, Christmas, I want to go to Germany or whatever it is, I can save till the cows come home. You know,

I skip, you know, my coffees or whatever it is. And yeah, definitely really, really good at saving if I have an immediate goal. I love that. And have you got any naughty money habits? Yeah, that's sticking to a budget really. It's like, like I said, I never really overspend, but I do live to the max. I always spend it all. I feel like that's a really common thing though. We all feel like, oh, we're not overspending, but it's just the consistency of our small purchases that over time end up adding up. And while you could redo your budget and you could be like, V, I love my coffee. And like, that's me, right? Like, and I've openly said, you can pry my coffee from my cold dead hands. I will have one every single day. Like I'm not compromising, but there

are other things in my budget that maybe I'm pulling out so that I can have that. But you might not go, oh V, coffee. Yes, it's nice. But like, I could just make one at home and that's absolutely going to work for me because different things work for different people. So I think being aware of it, the most important thing, like I think all of us, and you showed me this before, You said, Victoria, I earn $153,000. And that's fantastic. You know exactly what's coming in. But if I said, well, money diarist, how many dollars do you spend? You couldn't tell me that. And that's okay. Cause like my money masterclass is going to sort you out. Like I'm gumming for you. But it's this idea that we know exactly what's coming in, but we can't go, oh, well,

on average, I'm spending X per week on food and beverage. And I'm really happy with that. It might be like, oh, I don't really know. Sometimes I get a takeaway. Sometimes I don't. Like, I just want you to be aware so that we can make sure that that's in line with our values. Because for some of us, that's a non-negotiable. We need our little almond croissant and I'm not going to ever argue with you. But for some people, they're like, oh, I'm wasting my money. That's not a value to me. I want to plan a holiday or I want to go to Germany or I want to go to Japan with my daughter. And this is more important. And I think that sometimes we just need our goals to be put really clearly in front of us and what sacrifices need to be made to get there.

I just know that you're on the path. Like you said, you've got this appointment with your financial advisor next week. You've bought your house recently. I just think that you're on the trajectory of going up and it would be a privilege if in like 12 months I can get you back on the show and be like, babe, where are you at? What's going on? Because I just know that you're going to thrive. Like your 40s, they're going to be the best years of your life. I just know it. Oh, thank you so much. I appreciate that. I know it. So talk to me. I just feel like a C minus. Girl, what are you talking about? Like that's so unnecessarily harsh. You're not a C minus. You've got two kids. You fought tooth

and nail to make sure that you get 50-50 custody with them. You know what you want to achieve for them. You've just gone above and beyond to purchase your first home to give them that financial security. You're talking about making sure that you know your broker, like your broker is really good. You're talking to a financial advisor. You're like, oh, I know I've got super probably a little bit behind because I only started contributing in 2007, but I'm going to be on top of this. Like you are so far ahead of literally everybody else your age. Like so many people in their mid forties still have their head in the sand. They're literally like, I don't want to think about it. It's too overwhelming. This is not for me. And that's okay. But like you're way

ahead of the game. Do you think after we've had a chat and I've just talked to you about, you know, all these habits and things that you're doing. Do you think that you would grade that person a C minus? I don't know. I'm generally very hard. Maybe a C plus. That's the German in you. I feel like quite like this is how it's going to be. Yeah. Yeah. I'm definitely working towards it. I mean, once I set my mind to something, I definitely, I won't let it go. That's for sure. I love that. What do you think it would take for you in your financial life for you to say, oh, I'm a B or Victoria, I'm headed towards an A. Like what would that look like? I think once I feel a little bit more in control of what's going out, rather than just recording

it, actually mindfully spending it and keeping track of it in a way that I can see I'm building wealth. So I'm quite hopeful that, you know, within the next six to 12 months that things will change. I just know they will. And I think that that's one of the most common misconceptions about budgeting that people go, well, I do budget because I track everything that I spend. And it's not so much about tracking, but more about the flow of money and more about, okay, well, this amount is allocated for this and I'm reaching my goals and feeling like I'm moving forward. Just by tracking doesn't mean you feel like you're making progress. So it's about putting that progress first and then working towards it as opposed to just like looking at what was.

It's like the difference between accounting and financial advice. And I was having this conversation the other day and I promise it'll make sense in a second. But it's like comparing those two professions. So an accountant, they look at everything that happened in the past, but a financial advisor is looking at everything that's going to happen in the future. So they're making predictions. They're like, oh, if you put here, here and here in place in the future, it'll look like this. Whereas an accountant's going to go, oh, I can do your tax return and look at what you've spent. That's not what's going to create wealth. And I think so often when we're budgeting and when we're trying to get our finances together, we default to an

accountant's mindset. And we just go, well, one plus one equals two. And we need to see what happened in the past. But I'm very much of the opinion that we need to forget what happened then. Like we're not going to crucify ourselves. You are wasting your energy. If you're saying, I wasn't good at money or I didn't know what we don't care. I don't care. I don't want to know how bad you were at things. That doesn't help us. I want to know about your grand plans. I want to know about the future. So we need to go from this accountant mindset to a financial advisor mindset. And that's very hard because, and I'm not saying their job is easier, do not come for me guys, but their job is a little bit clearer because they have really set numbers. I can see exactly

what you spent on coffee. I can see exactly what you spent on your travel. I can see exactly what you spent. Whereas the financial advisor, they're predicting, and that's a little bit more hard for us to comprehend. So we need to like step into that mindset and that's what's going to create growth. That's what's going to give us the clarity that we deserve to create the life that we want. I feel like you're in the middle of that. Like you've been doing the accountant thing of track, track, tracking, and now you're about to literally next week, go see your financial advisor. Now it's going to be about growth. I'm just so excited for you. I just, I think you've got the brightest future and you are so delightful. And I'm just so excited that we get to keep you here in Australia.

Like what a privilege. Thank you so much. Money Doris, it has been absolutely gorgeous getting to know you. I feel like you've gone through a lot from growing up in East Germany, your mum passing away when you were 12. Like even you just saying oh yes I met my biological dad at my mum's funeral my goodness now you've got two beautiful kids of your own and you're living on the other side of the world like life is crazy and I just I feel like you are definitely embracing it in the right way yeah it's definitely you never know what's around the corner that's definitely life has shown me you have proven that my love thank you so much for joining us I know the community is absolutely

going to be obsessed with this episode because I am thank you so so much for having me 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 321 649 27708 AFSL 451 289.