She's On The Money - MONEY DIARIES: 22, and a hefty inheritance

Episode Date: August 22, 2021

Ahhh, inheritances. The money we kind of don't want. Our money diarist this week shares the feelings around receiving an inheritance at such a young age, and the rollercoaster her life has been so far this year. Lots of love xThe advice shared on She’s on The Money is general in nature and does not consider your individual circumstances. She’s on The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.See omnystudio.com/listener for privacy information.

She's on the money. She's on the money. Hello and welcome to She's on the money, the podcast for millennials who want financial freedom. My name is Toni Lodge and joining me for another Shop Back Money Diary is Miss Victoria Devine. Welcome. Miss Toni Lodge, also welcome. Oh, thank you for having me.

As you can hear, we are recording this episode in lockdown, which is great. Oh, that was good. Are you Mariah Carey? Yes, I am. I just said my name was Toni Lodge, but it's now Mariah Carey. I love that. All right, Mariah, can you read this week's Money Diarist's email to me? right here we go hey friends oh cute she obviously loves cheese on the money she said hey friends

that's a vibe that's fine i'm 22 a casual retail employee and primary teaching student and i've had a hell of a year last year when covid started i had 400 to my name and i was stressed thankfully because of job keeper i was able to save my job but it was a massive wake-up call for me spending money was such a comfort for me and i would do it so mindlessly since then i've saved about $20,000 but I have constant anxiety about my money and I'm in a push-pull with myself of spending money impulsively and then get so anxious that I'm ruining my financial future. Common. In the last month my dad died, I lost my job and my boyfriend and I have broken up after five years together. My dad's death was really sudden and unexpected and now my brother and I are set to

inherit a pretty hefty sum one and a half million kind of hefty wow which is crazy to us of course we would give it all back to have our dad back with us but now at 22 and 19 we have to figure out what to do with the biggest amount of money we will probably ever see in our lives thanks for taking the time to read you have changed my life oh so it starts off interesting and then just gets more and more interesting and yes I was about to start and I have so many questions like saving 20 grand is epic from $400 to $20,000 but then overlaying all of that like that's insane like that is so crazy I know how are you friend I'm okay I'm doing okay I mean it's been a lot to deal with at once for sure so I mean it comes and goes especially being you know in lockdown

um I have a lot of time to think about my feelings so oh my god I'm one of those people that's always like believing in the universe and when something bad happens I genuinely have this belief that it always happens in threes like there's always three things so if anything positive comes out of this is you've already had your three my friend like that is your three bad things nothing else is going to go wrong which is a positive but like oh I'm so sorry to hear you've been experiencing that that is horrendous yeah it's been crazy but I mean I think it's just like I totally agree with you everything comes in threes I think it's the universe telling me that I need a clean slate I need to be out of my comfort zone and you know take it as it comes but yeah oh my gosh your

mindset I love you already like really really nice way of looking at it like I think as well the fact that yeah and being on in lockdown is just a cherry on top of a crappy run of things and for you to be able to sit here and look at it like that is is really really powerful um and gives us such an insight into the kind of person I would not be as positive as you yeah that is so special well thank you for taking the time to share your story with us I thank you for taking the time to chat with me oh my gosh of course but let's get through the questions together and then we can have a deep dive. I have, I have a lot of questions, but I also just want to hear how you are and what's going on. Oh, all right. Let's dive straight

in my friend. First question is what is your attitude towards money? I think, like I said, in my email, like a lot of my attitude towards money is anxiety. Like I feel very stressed when I get money, when I have to spend it, when I do spend it on things that I think I should be spending it on I get stressed like car rego I'm like oh my god I can't believe I have to pay car rego whereas like it's just part of you know that's why I put money away that's why I haven't you know money aside and yeah I think a lot of my money attitude is anxiety and I just think that's just because of my money story like just money in my life it's just always been anxiety so wow you know we're getting there we'll get through that we will work we will work together to get

through that my friend all right next question I feel like is a bit of a slap in the face but I apologize in advance and that is what do you do for work how much money do you earn so I work in retail like I said um I have just lost my job but I've just signed a contract with a new job so not really a new job oh that's exciting well I'm glad I asked yeah so I was working two jobs I lost so I was doing four days a week with one one day a week with the other I lost my main source of income so my four-day-a-week job and and I've just signed a new contract with my job that I was working one day a week so I signed that a couple of weeks ago and then lockdown happened so I haven't really been working but it has meant that I've been able to claim the government

benefits because I can say that I've lost a certain amount of hours yeah so it was lucky in that sense that I had signed it just in time but I can say I've lost these hours so that I can claim the centrelink money which is just a blessing yeah especially during such a painful period like you just need cash flow to come in so that you can manage life like I'm so grateful to hear that yeah all right next big question is what is currently your big money goal um like everyone I think to buy a property I think if like it's not I know it's not in the near future for me I definitely won't be buying until I finish uni I know that I just wouldn't be able to facilitate a loan until then even if I did have the money to buy um so that's definitely the money goal

in the long term. Yeah. Awesome. Just to be comfortable, like just to not have to worry about it. Oh, I like that goal. I like that goal. I just want to be comfy. Yeah. I love that. All right. So next question is, do you currently have any investments? I don't, but I mean, I have my super. So I put $20 a month into my super, which is an investment into my retirement and then I've got $500 in raise but that's it I do have a ComSec account but I haven't invested anything yet oh but you're well on the way you've already got money in investments that's super exciting yeah super super exciting super exciting I'm sorry I'm I'm meant to be the punny one Tony lockdown getting me good guys oh my gosh lockdown has got me well

good all right next question is do you currently have any debts um I have a hex debt um so I think there's about fifteen thousand dollars in there now um I am obviously still in the middle of doing my degree so it will go up um but I have a little bit of debt from an old degree that I didn't finish as well which just sucks because it's just you know waste of money but I for a degree that I didn't finish because you realized that you didn't want to do that and that's not a waste yeah it was a massive turning point in my life too like a huge decision I had told everyone for like 10 years that this is what I wanted to do and then got there and was like actually this is not right can I ask what it was psychology yeah it's like no no I would never but it was not

you did Victoria that's why you were cagey about telling us what degree it was a little bit so yeah I mean I started that I did about a year and a half and just decided it wasn't my thing I think I stuck with it for so long because I had been telling people for so long that it's what I wanted to do and I really wanted to try but just got to the point where I hated it I wasn't doing my work because I didn't want to be there yeah it just wasn't going to work so I left and was like you know what it was probably one of the best decisions that I made because now I'm really doing something that I love I love that and I'm sure that there are people listening who are currently doing degrees they don't love but they're like I'm too deep

so yeah to those people would you just say jump ship nobody actually deeply cares about you changing they're just gonna be wanting you to be happy right yeah yeah absolutely and I remember like when I wanted to tell my family and everyone I was like everyone's gonna be so disappointed in me like I felt so upset about it and I was like but this is my future this is my decision I'm wasting my time and my money doing a degree that I don't want nor will I use oh my gosh yes well and everybody would have been stoked for you because you were following what you loved and wanting to yeah I'm so happy exactly so if you are a good decision degree definitely think about it don't admit to it just because you've already gotten this far I feel like that's such a negative

mindset as well and people do that in jobs in careers in relationships where they're like oh but we've come this far like yeah I've invested all this time yeah like you have but you invested in yourself like anyway I'm very opinionated about that so we're gonna move on to an exciting question because I like the pervy stuff do you use shop back I have used it in the past yes a couple of times why did you get some good deals where how I did get some good deals um I just like a friend recommended it to me and I was like you know what I love an online shop why not get money back so yeah I've used it a couple of times loved it why not genius genius all right moving on from good money habits to asking you what your best money habit is what's your best money habit my

friend i think so because of you victoria i put 24 hours between me and my purchase but what i started to do is i have a list on my phone so every time i look at something and i you know put my wish list on the iconic i added into my list on my phone and be like it's a list of things that i want but don't need and then i'll go through it like every week and be like i don't know why i wanted that like what part of me actually wanted that so that's so smart that would be my best yeah I love that I mean I go I am like I'm an impulsive shopper especially when I'm at the shops I am an impulsive shopper yeah so it's easier like especially with online shopping if I can go through it and then like a week later I'm like why did I even like want possessed me to

want that oh my gosh especially during lockdown I just have this idea in my head that I'm gonna be an entirely new person so I put all these things in my car usually at night let's be honest And then the next day I'm like, I would never wear that. Like I am definitely not cool enough for that. So I love that idea. And I think I'll start doing that, writing an entire list of things that I want, but don't need. And then I can kind of have a laugh at myself later or reward myself for waiting by actually buying it. Yeah, that is good. Yeah. Such a good idea. All right. So that's great money habit what is your worst money habit I definitely think it would be the impulse shopping um as well as like my reaction afterwards so like when I worked in a shopping center I would just

walk around on my lunch break and just go shopping because I could yeah and like because I was there and like I'd find something that I liked and be like why not I have the money um so that was definitely like my worst but then it would be spending the money justifying the decision and then feeling anxious about it afterwards like it was just a really bad cycle and I was doing like I was spending the money because I needed that like instant hit like it felt good and like that instant gratification of buying something but then you know it's like an addiction where there's always just like a massive fall afterwards. How did you come to the conclusion that that cycle needed to break and how are you working towards actually making sure it stays broken so I think

I had a really bad relationship with Afterpay and spent a lot of money through Afterpay because I could also relatable content yeah yeah I think I just you know when COVID hit last year and I realized I had Afterpay to pay off and no job this was before JobKeeper I was like oh my god what am I going to do I have no money to my name so mum thankfully got me out of it um she helped me pay off my after pay I paid her back but it was just really like that click moment where you don't know what's going to happen you don't know when you're not going to have money and you're spending money that you don't have I was living well beyond my means and it was really like that moment where I was like I can't do it anymore I need to you know I'm an adult now and I need to

I'm working for something not for nothing like I couldn't tell you what I spent all my money on I have no idea so I yeah just really realized that I had to work towards the bigger picture rather than just having things now I think that's so important to acknowledge but also so special that you know that now and also really relatable because it's one of those things that a lot of people are oh after pay is fine but can I maybe ask a quick question about after pay when you got it why did you sign up for it like how did you end up on that slippery slope because I talk a lot on this podcast about after pay being a slippery slope and so many people will say no it's not like I'm a responsible person and I can see you right now money diarist and I can hear you and

from your savings capacity and what you're talking about and you're so articulate you sound like a really responsible person so how'd you end up on that slippery slope and like what was the mindset there I remember so when I turned 15 it was literally the day after my 15th birthday my mom was like you have a job interview and you're gonna go and get a job so that you can like she set it up for me she's like so you can earn money to spend it on the things that you want so she was like I'm sick of paying for you to go out to the movies and get it mom yeah she's like I'm over it you know you want to do all these things with your school holidays you can fund it and I was like okay no worries and then so wait your mom said get a job and you were like okay no worries like

I feel like any other teenager would be like what the hell mom well it was like but you pay for it now it's the best thing about being a child yeah it was like an ultimatum it was like get a job or I'll just cut you off and you'll have no money oh okay well I'll go get a job then no worries she set up the job interview for me and everything and I was like no worries I'll go like said they're like little 15 year old but yeah so I think I had already started like I when I started earning money I was earning money to spend the money I wasn't earning the money to save the money yeah and I remember being like 17 or something and I needed this denim jacket I needed it oh fair enough I love a good DJ yep yeah I needed it and I was on general pants and

this like thing popped up when I got to the cart and it was like um you can pay this in four installments and I was like what crazy I was like really yeah I was like this is so smart so I didn't do it but it was the first time that I'd been introduced to it so then the next time when I went shopping I was like I might as well just give it a try so I gave it a crack and it I probably shouldn't have because it was really like you could see the money coming out of your account in fours it felt like you weren't spending money yeah and you know it would come out of my account on payday I would make sure that I would buy everything the day after payday so that the installment would come out the day after payday and it was just like a slippery slope like I

could spend all this money but still have money in my account and it just got worse and worse to the point where like it would be like I'd have it like maxed out like I'd spend as much as I could and be like I don't even know what I have like it's like eight weeks later and I don't know what have bought like i couldn't done paying this thing off and i don't know what it is victoria and i have talked about this before about how it changes the way that you view money because instead of something costing four hundred dollars you're like oh that costs a hundred dollars four times and it actually really warps your sense of what money is actually going out because you can't keep track of it because in your mind you've tricked yourself into thinking something's only

cost you a hundred dollars yeah yeah exactly and it's so much easier to justify when it's like a $50 payment as opposed to like a $200 payment so much easier to justify and especially when they brought out like you could use it in stores as well it was so much easier just be like scan my barcode I'll worry about it later it's just the convenience like so much easier and then you know it would get to payday and I'd have $400 coming out and nothing to show for it but that's what i mean around slippery slope like you didn't sign up with ill intentions of getting into a whole heap of personal debt and you know i know this has taken a little bit of a sidetrack but if i said to you in the same vein like okay money diarist well actually would you like a personal loan um so that

you can just spend that money i'm sure the mindset would have been different like you would have been like no don't give me a personal loan i don't want that but in the same vein that's exactly what you've done to yourself with Afterpay without even realizing it right 100% and even like mum raised me like being like don't get a credit card when you know you can't you can avoid it like there's no point getting a credit card so I was always like I'm never gonna have a credit card like I don't need one I don't want to be spending money that's not mine and Afterpay was just marketed to me as not that and Afterpay doesn't have that stigma yet of like I would never get a credit card or I would never get a personal loan to buy a car you crazy like it just doesn't

have that same thing as yeah which is interesting because I think that in the next few years I'm hoping and obviously Victoria I know that you're hoping too that that stigma does change and it's kind of turns into one of those things where it's like oh you use after pay in a way that you know it's not good for you or you know like if you're good at using after pay then that's fine but if you're using afterpay in this this way where you've maxed it out you don't know what you don't have anything to show for it hopefully soon people are going to be like oh you're using afterpay that is so 2019 yeah like i would love that but i don't think that's the way it's going sadly because you know they've obviously just gone through this merger and they're spending a lot of money on

marketing which really annoys me like their marketing to me is wild like you know i've obviously got this really big platform. So I have to be careful what I say, but at the same time, I do think it's quite irresponsible. Like where they say, yeah, it's just a lot. And I feel like it's one of those things that, you know, over time, I hope that we can create that. I don't want to say I want to create a stigma, but I want people to understand it because the amount of times I've spoken to even clients of mine and I say, you know, go through their fact find in my financial advice meetings and I go oh Tony do you have any debts and they go oh no no no like do you have any credit cards oh no I'd never have a credit card and then you go okay cool like after pay zip

pay any of those things oh yeah I have after pay and I have zip pay and you go you you do have debt like you do and they're like no no no it's not debts just after pay you're like yeah oh okay it's still debt it's still debt yeah um but at the same time you go I can understand why you don't see it that way because it's never been marketed to you in that way. And you know, that's where a lot of people are getting in trouble with like mortgage brokers and stuff. I could go on about this for ages and I do in a number of our other podcasts. So let's leave it there and move on to the next question, my friend. And that is the question to wrap this segment. And it is what grade would you give yourself if I forced you to give your muddy habits a grade? I'd probably

give myself a B minus I think I'm like I'm definitely tenfold but like last year it would have been like an F whereas this year like I have consistent money habits like good money habits and I can save my money now and yeah I definitely think a B minus is still things that I need to work on I still need to stop impulse shopping when I get bored but you know I have created better money habits for myself definitely within the past year oh my gosh look at that growth Tony from an F to a B- like if I had a kid and they were at school and they failed something one year and then the next year they're a B- like I would a thousand percent let them have Maccas for dinner I'd be like all right we're going to Maccas we're getting drive-through on the way home

I don't know how else your parents treated you but like that was totally a treat for me With a McFlurry. With a McFlurry. Yes. When they used to flurry them properly. Yes, they don't do it that anymore. No, they just put the M&M's on the top. I'm under the assumption that a McFlurry now is a poorly packaged sundae.

And not even as good as a proper sundae. Do you know what I mean? Yeah, because, like, you could get a sundae and get them to put the M&M's on it in addition, and that's instantly better than whatever they're calling a McFlurry these days. go to cole's and buy m&ms right yeah but like what three or four dollars and you could go and get a mcdonald's um 50 cent cone for yes and you could dip it dip it into the bag of m&ms that sounds smarter to me why are we doing that smarter and you know what while we're on the mcflurry train

i don't even eat mcflurries but my partner does and the audacity they have to still give you those spoons that connect to the machine to mix it when they don't mix it just give me a normal spoon my friend this is yeah that's wild anyway we'll chat more about McFlurries after this quick break all right so money diarist we've been through after pay we've spoken about McFlurries very important we have also spoken about how you've had epic personal growth over the last 12 months which I am so wildly proud of you for, but it would be really remiss to not touch on the fact that you've gone through three really, really big events in a very short period of time, which I think is so important to talk about. So let's start with the first one, which I think

is the biggest and arguably most traumatic one, and that is your dad passing away. So how have you gotten through that? It's only recent, but also you mentioned you have a massive inheritance. how are you mentally dealing with that because it's everything all at once yeah it is everything all at once and you know I think it came as a massive shock my relationship with dad was never easy it was you know never really great um so I think that also came in a whole heap of different emotions when he passed as well for sure like a lot of um I would say guilt a lot of guilt for not being as present as you know I kind of wish that I was in hindsight you know my brother and I made a sound decision by you know keeping our relationship as it was but it was it's never

going to be easy when a parent passes away regardless of your relationship with them and it was a massive shock it took a really long time to actually process it like I mean I found out and I went to work the next day because I was like I don't want to sit at home and you know deal with my emotions I was like I'm just going to go to work and just avoid it and I think once we had to go to his house and pack up his things it was really like okay I have to deal with this this has happened my brother needs me we have so much that we have to deal with like I'm 22 like I've never planned a funeral in my life like you know it was a lot it was a lot to deal with and it was something that you don't expect to deal with like you never anticipate that that's going to happen

unless you you know have a terminally ill parent like it was a it was a shock like it was a massive shock I think that's why it took a little bit longer to comprehend to ask another question it wasn't something that you guys had anticipated like he wasn't sick for a really long time and you guys had been preparing for it it was just like completely out of the blue yeah yeah yeah completely there's no there's no way to you know say like oh I'm so sorry and there's no better or worse because you know Tony you've been through this your mum passed away and you had that I guess you could call it warning time but it doesn't make it any easier or any different and like there's no better way is there like it's hard because it's one of those things where people say like oh

um my parent or friend has died really suddenly and i wish i'd had a chance to say goodbye but then also when you've got 11 months to kind of work yourself up to saying goodbye like that neither is good neither is better than the other and no way um it's just it's it's really hard and like this has all been so recent for you so i can i can you know there's so much still for you to to learn from it and to to grow and and obviously I'm devastated my mom and I were really really close I have very close family and um and that has changed me so much but I was 19 so I was your brother's age when my mom passed away and there's so many reasons for me to be really grateful for that because I've learned so much and I I wouldn't be the way that I am now if that

hadn't have happened and um and obviously being a finance podcast um i guess one of my questions would be given that you said that you have a lot of anxiety around around your money i'm sure that this has impacted it a lot um but do you feel like it's made it scarier because you've kind of lost another part of something that was kind of like that stability of you know oh you you just think that that's always going to be there you don't expect that your parents are going to pass away especially so young so do you feel like that's added to the pressure you put on yourself to do better with your money and do better at life and things like that I think my dad's relationship with money was always a little bit fragile too and I think that given the amount of money that

we you know will inherit it you kind of just want to do justice to that money like you don't want it to go to waste and you want it to be something that you know you value and spend properly well you know spend sensibly which is a lot of pressure too yeah because you're like oh my god would he approve of what I'm doing and yeah yeah and I think he would approve of it anyway we spend the money like he's you know he would really support whatever we wanted to do and you know like I said our relationship was never great so I I truly think that he just wanted us to be happy and you know if it's the next best thing that we have this money and we can make something out of it then you know that's what we're gonna have to do so for sure yeah definitely need to be sensible

about it and respect you know that we've come into this money we haven't earned it you know and we would give it all back if we could but we can't so yeah and I have to do something good with I think that's really special. And before when we were off air, you said something that your mum told you that was really special. And I think that I would love you to share that just because I know that you're not the only one going through this. A lot of people listen to this podcast and either going through this or going to go through this. And what did your mum say about the money? So mum, you know, when she called me and told me, she said, you know, your relationship with your dad has never been easy and this is his way now of being able to

take care of you and you know help you through your future and that's you know you have to do good with the money because you know this is his his way of looking after you and I think that's really special like that's one of those things that a lot of people when it comes to inheritance feel a lot of guilt but also don't think that okay yep this is really terrible but that person's probably super proud if they were able to understand what was going on now to have set you up and to actually have an impact in your life in a really positive way because they can't be there and I think that that's yeah it's just a really kind way of looking at it and you know it changes the guilt because a lot of people are like, Oh my gosh, like I don't deserve this. Or, you know,

as you were saying before, I didn't have a good relationship with my dad and now I feel awful because I'm benefiting from it. But that person would be so proud to know that they've had such a positive impact on your life and putting you so far ahead. So it's one of those things where, yeah, we have a lot of guilt and a lot of work that I do with my clients. And I've, I've said before I actually work in this space. And at my financial advice business, most of my clients are inheritance clients. We actually end up doing a lot of work beforehand. And I guess that's where my psychology degree comes into play because I don't want any of my clients or friends or even family to feel ever guilty about that because nobody deserves to carry that burden. So it's

important to work through that before you even think about investing it because nobody wants to carry that but moving on from that you've also gone through a relationship breakdown during this period of time how has that impacted you financially emotionally like that's just playing stacks on yeah I think when when it first happened my relationship with money and my ex-boyfriend's relationship with money was completely different like he was so diligent with his money so careful was so good with it and I obviously wasn't for a really long time and I think he really taught me a lot about money and like a lot of the importance about having it and what to do with it and you know making the most out of it but when we broke up I was like

oh my god I can spend whatever I want and not have to answer to anyone like it's my money I can do whatever I want with it I got really excited went on like a little bit of a shopping binge and I could like acknowledge what I was doing I knew what I was doing and I knew why I was doing it and it felt good at the time and you know I don't regret it I bought some nice things but oh look at that personal growth historically you would have felt really anxious but now she's like yeah I'm gonna treat myself I I deserve this I love that you probably also would have spent way more yeah like yeah like given that you're being a bit more mindful you're like I'm doing this because I want to do it and it's going to make me feel nice and you actually enjoyed it rather

than binging and then feeling awful about it later and looking at your bank account and going oh my god I really wish I didn't do that exactly yeah absolutely so I mean it was it was a weird couple of weeks but it's you know it my he taught me a lot about money and I you know really helped change my mindset about it so I could never thank him enough for it and I just know that you know I have a better mindset about money now because of him oh I love that that's it's really nice that you can take that away yeah it's such a gracious thing to say about a relationship because I feel like so often people want to diss their exes and you know not acknowledge that yeah cool this relationship isn't serving us anymore but that doesn't make either of us bad people and it

doesn't mean that I didn't get anything out of that that's actually a really beautiful way of looking at it um on top of all of this my friend you lost your job I sure did how did this all happen was like and which order did this happen in because I just feel like at one point you were you know what whatever I don't like take it I don't even need that job see your job see uh you know what I saw this coming um but yeah how did how did that all happen like what was the the process of these events and you know how did you feel in that moment knowing oh my gosh I don't have that income and what am I going to do about it yeah so the business I was working for was like I mean I could see it going downhill and I knew that it wasn't um gonna last a lot longer

so I'd already prepared myself for it so dad had died at the end of May I got a call mid-June from my manager and she was like look like I'm really sorry but we're closing down the store and I was like it's fine like I kind of I kind of knew it was coming um like it sucked but at least I had a little bit of time before they closed the store to find another job but it was really like oh my god like another thing that I have to worry about something else I have to think about so you know it sucked I could you know I could see it coming but it still sucked and it was still super stressful like it was my main source of income and I'd been working there for four years like I'd made friends for life there so it was really um it was it sucked a bit you know it

was time for a new beginning anyway I had been there since the store opened I was closing the store I had been there you know the whole time so it was it was a good way to go out I think yeah it sounds really traumatic though to have gone through that and then recently broke up with your partner or was that during this that happened so we broke up at the beginning of July so it was like May dad died June I lost my job and then July we broke up so it was really like you said in breeze and it was really like by the end of it it was like what else what else what else oh my gosh my heart I'm so sorry that you've gone through all of this but the thing I'm really impressed with is actually your mindset and we're really lucky Tony that today we are recording

online which means we can actually see you and you're a super happy looking glowy person and I'm like you went through all of that and you're still so beautiful and glowy and happy and I think it's one of those things that you never know what someone's going through regardless of what they look like and that's why we always need to be super kind regardless of you know the situation or what we know or what we don't know and I'm just so I'm so grateful that I got to have this chat with you and share all of this with you because it's a very interesting money story from having $400 in your account all the way to saving $20,000 and now you know inheritance is a very big part of your money story and will be going forward but your mindset towards that is so

positive and a new relationship a new a new life for you is ahead I think yeah yeah a clean slate yeah yeah and I think yeah like I said the universe wants me to be out of my comfort zone and experience things that I otherwise wouldn't have so yeah you know what I'm about to do what are you going to do so I feel like this is a really nice place to leave it for today but I'm about to mark a year from today in my calendar and we'll get you on again um and we'll see exactly where you're at because if you've come this far in 12 months where's she gonna be another 12 oh i love that tony yes please obviously money dyrus has to consent to this but i feel like she might oh okay all right sorry we're just gonna do it but money dyrus if you don't consent to having

another podcast with us um we're just gonna stalk you on socials and give everybody an update okay as always that is all we have time for today but just before we head off we'd like to acknowledge and pay respect to australia's aboriginal and torres strait islander peoples they're the traditional custodians of the lands the waterways and the skies all across australia we thank you for sharing and for caring for the land on which we are able to learn We pay our respects to Elders past and present and we share our friendship and our kindness. The advice shared on She's on the Money is generally nature and does not consider your individual circumstances. She's on the Money exists purely for educational purposes and should not be relied upon to make an investment or any financial decision.

and we promise that victoria divine is an authorized representative of australia pacific funds management proprietary limited abn 34132463257 afsl 339151 and we will see you in 12 months for an update on this money diary bye and next week bye