She's On The Money - MONEY DIARIES: 29 and catching up

Episode Date: June 27, 2021

If you spent your early twenties off in the world - this one is for you! Our Money Diarist this week discusses feeling like she's stuck catching up with her mates after travelling and not saving much superannuation. There are SO many people in this situation, and we want to stress that you're not behind, and it's NEVER too late to 'catch up' or to get back on top of your finances.Our fearless leader and money queen B has written a book! You can order Victoria Devine's book right here!!!!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. 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 a money diary on this sunny Monday, it might not be sunny where you are. It's probably not even sunny here in Melbourne. But joining me today is Victoria Devine.

Hello. What a surprise seeing me here. I know. It's like you're on every week. Oh, am I? Maybe I should find someone else. No, don't. No one panic.

Please don't post in the group that Victoria is not going to be on the podcast next week. Oh, my gosh. Start drama. Yeah, sorry. Victoria's leaving. No, no, no, no, no, no, no. Clickbait Daily Mail. Oh, my gosh.

Let's get into this. We don't start drama. But we've got another money diary this week. and I think you're I say this every week I think you're really gonna like this one but I think do you know what we pick the money diaries because we think you're gonna like them because how daft of us if we picked money diaries that we're like you know what this week's one you're gonna hate it pretty dry yeah they didn't tell us anything not that interesting five minutes wham bam thank you ma'am um so I'm gonna try and refrain from saying that but you are gonna like this one it's

a good one okay but I'm gonna like all of them yes all right can you read out the email for me all right here we go hi she's on the money team i went to uni straight out of high school i worked cash jobs up until the age of 21 from 21 to 23 i worked part-time whilst completing my studies earning super for the first time but i never paid any attention or thought it was important finally when i completed uni at age 23 i scraped just enough money together to go overseas on a working holiday where i accidentally stayed for four years what a co-inkity yeah oh we're accidentally just living my best life I returned to Australia with zero dollars at age 27 spent a year bouncing from casual job to casual job and finally at 28 I started my career working full

time for the first time in my life and earning super I have now been in this job for one year now that I'm in the real world and no longer playing Peter Pan I can't help but recognize the financial sacrifices I have made in the name of travel and to compare myself to my friends and other money diarists. I very much feel like I'm playing catch up and it's a tough position to be in. I call myself 29 and catching up. I like that but also stop comparing yourself to everybody else's journey. It's really hard though. I know it's really hard but it's also really upsetting when people compare themselves because you are rich in travel and rich in life experience and you know I didn't get to do any of that and yeah I've got other things going on but like that's

pretty cool too. So I don't think we give ourselves enough credit, honestly. But we've got our money diarist on the line and she can probably shed more light than you or I could on her own story. I am ill-educated. Let's have a chat with her. Hello, money diarist. Hi, ladies. How's it going? We are so good. We are so excited about this. I want to know all about your travels and all about how you are working now. But as always, we're going to start with the structured questions at the beginning. So, to kick it off, what is your attitude towards money? So, my attitude towards money has changed a lot in recent times. I bet.

So, pretty much up until a year ago, I just didn't pay it any attention and I just always felt that I had such a long life ahead of me and there was plenty of time to make money. Yeah, I just thought, well, I'll enjoy life now and, you know, money, easy come, easy go kind of stuff. So it was just never a priority for me at all. Like up until about a year ago, money was to gain to be able to spend that on fun experiences. That shifted enormously once I got into the real world, I would say.

And I know that you mentioned before that it sounded like I was comparing myself to others which I absolutely am because just being quite curious about my friends and stuff once I got home and started to consider oh like these people have been working for like last four years what have I been doing but also like another I've mentioned my super a couple times in my letter that I sent to you and the reason for that was because I've seen like on the super websites and like on the morning show and stuff that there's recommendations about how much you should have in your super for a comfortable retirement given your age yeah they can make they can make you feel so stressed very scary yes so I very much got that figure in mind and I'm like

nowhere near it and yeah it just became um quite interested in money once I started making it and now my uh sorry I'm giving a very long no I like this I like learning and I love how everybody's so willing to share their journeys with us so do not apologize for it being too long because we're all listening with bated breath I promise um but now basically my attitude to money is I really want to be uh for better or for worse like meeting those targets like I want to be you know have the amount of super that is recommended for my age and I just never want to be in a position again where I have to panic because my rego's due and that is my first 10 years of adulthood and it was just so nice last year being able to pay that and you know not having to eat rice and

beans so um yeah my attitude towards money now is very much a priority and it never has been yeah i love that it sounds like you're going through a fair bit of progression even now which is let's get to that let's get to that so what is currently your big money goal well it is very much down the track but like most people it would be probably to buy a house however I'm not really dying to do that immediately like even if I had the house deposit available now I wouldn't actually buy a house because I'm not too sure where I want to set up but I'm aware that you know future me will probably want that so I save for that every paycheck it's a good amount so that's so grown up I I love that you're like you know what it's not something I want now but I know

future me will want that I'm like what that's epic imagine having that level of insight and even if you turn around and think oh actually I really don't mind not buying a house you're gonna have all that money saved that you can add to your super or invest or you know there's or travel more yes yes saving money is never a bad idea like I don't think anyone has ever been like oh damn I accidentally saved enough for a house deposit how terrible yeah that's it absolutely oh my gosh all right you mentioned super before but next question is do you currently have any investments uh I do um very recently so this year actually I entered the share market for the first time and I just invested a small amount I bought three shares just to get some exposure to it

basically yes queen this is what we love to hear um however in hindsight i'm probably recognizing that that that was potentially a bad choice because i can see myself again i'm not sure that potentially buying a house in within five years and i'm i understand that the recommendation is uh not to buy shares if you see yourself wanting to sell within five years but it was small amount. Yeah, yes and no, my friend. So, I agree with you there and I never, ever, ever recommend clients invest or people invest when they have less than five years just because you never know what's going to happen, right? Like with the fluctuations of the market, it could increase and you could be saying, well, Victoria, it doesn't matter. Like I actually made money and

I'm going to sell it and I'm now going to purchase a home and I've got more money than I had before and I'd go, great, that's fantastic. But what if it goes down and we actually haven't had enough time to ride the waves and we haven't had enough time for that compound interest to really kick in so I think it's one of those things where if the market is down you might actually change your mind and go you know what I actually don't want to sell those shares I just don't want to take it off the table I'll wait another 12 months and see where we're at and it sounds like you're a little bit flexible when it comes to you know purchasing a home there's no specific timeline in which case I think you're probably making the right decision for you obviously I can't say with absolute

certainty because they don't know your entire financial situation yet. Or the future. Or the future. But I think a lot of people put a lot of pressure on themselves to, you know, make the right decisions. But if you've learned anything, it's that investing is not that hard, is it not, my friend? Yes, it's been a good journey. Two of them are not doing well, but I feel very positive about the future. And the other one is doing very well. So overall, I feel good about it. I love that. I'm going to ask you more questions about that a little bit later. Next question is, do you currently have any debts?

I have a HECS debt. Oh, how much? Give us the guess. It's at $29,000, but I don't feel too bad about it because I've actually, I've never started paying it off. And this year through my work, they spoke to me and they actually offered to make some arrangement where I pay extra towards my HECS. So tax time is just around the corner.

us so I'm not too sure exactly how much will be paid off but that's exciting though to know that you're a little bit more in control of it yeah but uh I think I've done some loose calculations and I reckon a fair chunk will paid off be paid off but the important thing is I'll see it go down for the first time in my life every year I see it go up now I love that yeah um I've just realized we didn't ask our money diarist what she does for work and how much she earns didn't I did I skip that? We did not ask her that. How audacious of me, money diarist. Can we go back in the questions? Sure thing. Oh, I'm so excited. All right. So what do you do for work and how much money do you earn? I'm a drug and alcohol counsellor and how much I earn. So actually

when I started this job a year ago, I started as a part-timer and my salary at that time was $66,000. Oh, that's good. And that was your first full-time job, like as in like first job straight out of traveling, right? Yes. Oh, that's good. Nice. And then six months into that job, I got offered a full-time position, which is valued at $83,000. What? Before super? And this woman is worried about being behind yes before before super so averaging out the last 12 months my income has been 74 000 but from now on will be 83 000 great job that's huge i love that and i love that you're like yep i'm really worried about being behind and then you've actually got like a baller salary that is so good i keep hearing that 80 000 or like 85 000 is about average so

look it is but I think that we say averages and then I think you'll find that across the board it is average but that is including everybody who has like higher education and it's not taking into consideration the average population I don't believe and from my experience you know as a financial advisor but also you know through our community that's not the average of our community by any stretch of the imagination like I think if I went and looked at our stats and every single year i do our census for our she's on the money community so i can understand you guys instead of understanding what we think yeah what we think the averages are what they are like i'm not going to jump on the daily mail and be like okay cool well they said that the research says it's 86 000 a

year like i'll just go off that like no i'd prefer for she's on the money to tell me who what that is and our average is about 53 000 from memory um and that's for someone working full-time which I think is really good yeah but I think we need to just be really honest because there are going to be some people in our community they're like wow like $86,000 like that's a lot of money and I agree but also we all live within our means so even if you're on something you know higher like that it's actually like hard still to manage cash flow regardless of how much money you earn yeah and just having more money doesn't mean that you know how to manage it better no in fact it can make you worse well if we're talking about managing your money well or not yeah let's ask her

what's your best money habit oh my gosh we sound like twins um my best money habit is that when I get paid fortnightly basically I save I put 20% of my money towards a house deposit and 10% towards a travel account and my best money habit is come hell or high water i will always save that 20 i will like 95 of the time save the 10 as well and if i don't that really stresses me out and i write down what i owe myself um that's a good account who is she um so yeah very good at you know like 98% of the time I'm putting that 30% away but always the 20% every time I love that and when you do it as soon as you get paid it's so much easier because you don't even notice it it's like how your hex gets taken away before you pay tax and stuff like it's gone you don't

notice it and if you transfer it right out rather than there's definitely been times where I've been like oh I'll probably save that money but I'll just leave it in my access account and then all of a sudden you're like oh I bought a lot of ice cream this month and now my money's gone yeah I wouldn't be able to manage because it it would definitely disappear if I just left it there all right to flip this narrative for a hot second what is your worst money habit I did a lot of thinking on this I think my worst money habit is I am guilty of um I'm not so good at delaying gratification. If I see something or think of something that I want, I want it like right now. And, you know, maybe that won't always fit into the budget so well, but I'll just kind

of like buy it then. And then if I have to eat rice and beans for the rest of the week, I'll just make it work. But that sounds like you planned it. Like, that's not like, oh, I dipped into my savings and now I have no money for retro. That's like, oh, I've dipped into, you know, my spending and now I am reallocating my spending to make sure I can still save like this girl's too smart for us um true but I guess it just puts stress on me and I find that totally hard the few days leading up to payday I'm like I'm like itching for it and it's that guilt as well yeah and especially for things that they're not going to go away like they're always going to be there but for some reason I decided I need that skincare item like yesterday. If it's skincare

I'm done for. I spend so much money on skincare. I want to glow. I'll spend the money. It's so naughty. Like I can't walk into like Mecca or go on a door or anything without like walking away with having purchased something. It's so annoying. It's bad. I just really like skincare so I feel you my friend. I have one last question for you before we jump to a really quick break because I'm really excited to ask you a whole heap of questions. So that question is, what grade would you give yourself if I forced you to give your money habits a grade? I would give myself a B and my reason for that is that I'm really happy with my money habits now. However, given my net worth, what's in my bank account, I just don't feel that that deserves an A. I'm a B until I've

got more money do we agree with that tony how do we feel about that i i think that the the logic is sound yeah but i think that there's a problem with the language of it being more money i don't think it's more money i think that as soon as you reallocate you know exactly where all of your money's sitting and you kind of feel like you're on track then but i think a b is very fair i think because you're nice because you're working towards you feeling comfortable it's not about me feeling comfortable or thinking it's a good amount I think yeah I think you're on the right track yeah like absolutely on the right track and I feel like too many times we put too much pressure on ourselves to have more money and that's actually not going to make us happier we should just be

really stoked about the process and about making sure that we do have everything set up and as you said before you're no longer stressed about paying rego and I feel like that's that's a gold standard of making sure that we've got some level of financial security and financial freedom before we get you know to retirement age because not all of us can create passive incomes right here and now right like that would be the dream no absolutely neither can i don't worry don't worry my friend but i think that that's that's fair yeah like i feel i guess to lay run on the point a bit more like if i had 30 grand sitting in a bank account and i was practicing the habit i'd be like oh yeah i'm an a but because my bank account isn't looking super healthy i don't feel like that deserves the

score of A. Well, that's fair. We'll check with you in like 12 months. And I know with the habits you've got that you'll be there. And I'm going to ask more about your habits right after this really quick break. All right, let's jump straight back into it. I have so many questions, my friend. But the first is, you said that you've been traveling, but you've also started investing. investing how did you jump into that and how did you make the decision to start investing but also how did you make the decision of what to invest in like what steps did you take um so fortunately my partner is very financially savvy and one day we were just driving around and he just started talking to me like about the share market kind of out of the blue and he was just

giving me so much information and I was just like how do you have this knowledge in your brain and um trips with me oh god I would love that anyway he this is August last year and he suggested that I read a particular book which gave me very good exposure to the world of finance and oh what book come on hot tips everybody else wants to read it uh therefore investor yeah I feel like that's a good way to start I feel like a lot of people pick that up as their first book and then go great like this is you know a really good structure for me and it's the structure that so many people have been craving for a really long time I think it's great plus your book wasn't out yet last August oh yeah so

no no no but genuinely like I think he's done a really good job of changing financial literacy in Australia and like sure it's just solid advice that makes you feel really comfortable and like you can do it yourself, right? Yes. And don't worry, Victoria, your book arrived yesterday on pre-order. I did it actually. I'm so excited when people have my book, but also I'm just more about financial literacy. So if you want to read Barefoot Investor, go for it. You want to read Cheese on the Money? Fabulous. You want to read all of them? Even better. But at the end of the day, I'm just stoked that people read finance books. And actually want to educate themselves. Yeah, it's awesome. It's so good. Anyway, keep on keeping on. So yeah, I got my first exposure to

it then and yeah over the next six months my partner and I were just he's got a share portfolio and we would just talk about it every so often and he would just show me like what's gone up and what's gone down and with the increased exposure it just seemed less scary to me do a bit of research on trends and things like that and as it turned out you know everything crashed about June last year in the middle at the beginning of coronavirus getting serious things are starting to improve earlier this year but basically what I chose to do was looking at shares that had crashed post COVID and I chose to invest in two tribal companies. That sounds like a really smart thing to do. I feel like I didn't think of that. I wish I thought of that. One of them actually

didn't crash that much but they definitely did take a dip and another one you know they went down like about 70% and so I invested in those thinking one day the world will be back to normal and I think you know when the world opens up people are going to want to travel more than ever so he's so smart that is the smartest thing I've ever heard it's really intelligent yeah I feel like a lot of people during corona like we're looking at the stock market and picking shares based on that and you know I'm not unproveyed to that because in financial advisor land we definitely were having conversations about that but me personally I didn't think to buy any for myself why that's silly I know I was just caring about everybody else I was like all right so my

client portfolios look like x and y and we need to do this and this is how we're going to protect our assets and you know you kind of go into damage control and I remember when it started hitting and I'm working from home being like my clients are going to lose it and then everything was all fine and you know everything is I wouldn't say sunshine and roses but it's much more comfortable because the world knows how to deal with corona like I mean we don't know the outcome or how long-lasting the impacts are going to be and obviously there's been significant financial impact for so many people but I remember at the start of it as a financial advisor being like strap in we have a lot more scope now for sure yeah we know so much more but I feel like that was a risk and that was

a cool risk that arguably is paying off my friend especially for a first-time investor that's real risky. What led you to make such a risky decision instead of picking something like a managed fund or an ETF or even something that felt a little bit more stable? Well, one of the companies I invested in was Qantas. So, they were the one that took less of a dip, but a dip regardless. And I just, I mean, I could totally be wrong, but I just feel that Qantas is a really key Australian company and I just feel that they'll never go away. And I could be wrong, like there's no guarantee with the share market of course and flight center i invested in um and my theory with them was that even if the price gets up to only half of what it was at its peak i've still doubled

my money so um doubled yes and i'm not sure what you'll think about this probably you won't look at this favorably but i also invest i love how people are like victoria divine will judge us and then everyone who actually knows me is like the last person to judge us is going to be Victoria Devine. No, I can guess what's coming. Yeah. She's going to say crypto. Yeah. No. What is it? Last month I invested in after pay when it took a bit. Oh, all right. Interesting choice. It's in a lot of portfolios at the moment. A lot of ETFs hold after pay. I feel like I've said this on the podcast before I don't agree with consumers using it because it's a slippery slope right like it's not something that you know if I got after pay I think personally I'd struggle because I wouldn't

be able to see the full numbers and I'm someone who you know I'm actually just better with cash and I know how much is in my bank account so I know how much I can spend but when it comes to an actual company it's brilliantly run like it's a great company with so much scope and so much growth. And I think that over the next few years as well, we're only going to see it increase in size because as much as she's on the money, doesn't love it and doesn't advocate for it. People are still using it. They're still increasing their consumers. They are still increasing their profit margins. They are increasing their product offerings as well. Like they're going, I'm pretty sure they're going into the banking space next, which is wild.

I just feel like it's growing. Like it's had, you know, massive growth since it started. you know you see on websites and stuff like now have after pay uh we've nearly got after pay and it just seems like it's something that more and more businesses are incorporating so you know that makes me think it's growing and um i know you won't like this but it's up stop saying i won't like it i really love that you're making decisions based on research that you're doing not just research of the company but you're looking at it from a consumer perspective and you're like, that's pretty prevalent. I feel like I will support that. And I understand how it's rolling out. Like you sound really educated on what you're talking about. I love it. It makes

me so excited. Like, don't say I wouldn't agree with it because at the end of the day, if you're saying, look, I feel like I value that. I'm not going to argue with you. Who am I to tell you that your values aren't right? Like that would be rude. Yeah. I happen to like the company and totally understand not you know investing in things that don't align to your values that I actually use after pay and I feel that I use it very responsibly and that I never over purchase on it or anything it's just as a cash flow management system sometimes I'll have to make two $200 purchases in a fortnight and you know instead of just whacking out 400 bucks from my fortnightly budget it's only 100 which just like feels so much more manageable and yeah which I

agree with so I think that that's really important to actually talk about here I've never said I do not love after pay full stop no one should use it if you're using it in line with your values and actually using it as a cash flow and budgeting tool fantastic I think I've spoken Tony about it on the podcast before that my best friend uses it a lot she's great with it I couldn't trust me with it though like I know it would be a really slippery slope I know I would spend more money because I'd be like oh well I'm very trigger happy yes same and I feel like it sounds so silly but even when I've had like store credits I suddenly I'll go all right $200 dress oh that's pretty expensive but then somehow if I've got a store credit I'm unable to see the difference

between a $200 dress and a $250 dress I'm like oh well they're about the same right yeah no there's $50 difference and I know that if I had after pay which I have never had I would just pick the $250 one because every time what's the difference yeah like and I know other people do that and that's the mentality behind it right that's the psychology behind using something like Afterpay or to be honest like any other buy now pay later company you just go okay cool well that mentality works but for someone like you money diarist you're like no like I just use it as a cash flow budgeting tool and I'm like you my friend are stronger than I am. Moving on from your investments though um so obviously you spent um a bit of time overseas you end up living

overseas by accident and you said that that's led you to compare yourself a little bit to um your friends that are i mean you're 29 i'm 27 i'm 29 you're 29 as well um i'm gonna keep talking i know that every person that i'm friends with on facebook or instagram is like oh we just bought a house or got a dog or having a baby and it is really hard to not compare yourself I guess do you feel that there is merit to what you did because there is you know you gained all that life experience and maybe you weren't working and saving your super or whatever but money can always be earned is that like kind of how you still feel? I don't regret going overseas at all for one of those years I actually earned pretty good money but I just completely wasted it

Like, I had the same job as several of my friends, but they managed their money like I just never had any money. And yet we had the same experiences, but, you know, they were, you know, able to save money at the same time. And honestly, I just like was so disorganized overseas and I just like had no. I was but where I went wrong was I earned the same amount of money as a whole bunch of my friends and yet they were able to save money so it's not that they made sacrifices like we had the exact same lifestyle it's just that they they manage things better and yeah um I'm embarrassed to say that like I think that so much of my money disappeared on takeaway food and taxis I think if I was just a bit more organized with meal prep and transport, I would suddenly have like thousands of dollars

more. I agree. But I also think that we can't be harsh on past us. We can't judge them for the decisions that they made because they think that at that time you were making the right decision for you and you were just living your life. And to be honest, sometimes we need to go through things like that to actually start valuing saving money because, you know, let's take ourselves back to maybe that taxi that you took because you had some drinks out with the girls. if I was sitting beside you in that taxi and I said hey you should actually be saving you'll probably tell me to jump out of the taxi that you're not interested and you're living your best life like I think that we actually have to be ready to hear the advice and actually want the

advice and I often find obviously because I talk about money every single day that people are sometimes just not ready and you might not have been ready and I think that that's okay but we can't just be harsh on past us for making decisions that current you would have like I know current you would have saved past you might not have yeah that's okay but don't go I'm so embarrassed about that like I have done so many embarrassing things but I think that they've really helped me create who I am today and created the values I have today and potentially you having gone through that means that's why you're so good at budgeting cash flow now it's probably why after pay is not an issue for you it's probably why you're going you know what I actually think that I'm a B not

an A plus because I want more money in my accounts. Like your mindset isn't fixed. It changes over time. And I think that that's a really beautiful story of how you have been there, but like, I just don't want you to be embarrassed of that. That's not something to be embarrassed by, by any stretch of the imagination. Oh no, I'm definitely, definitely forgive myself for everything. But I, yeah, I just see the missed opportunity. I came back flat broke yeah but I'm pretty sure you had a good time and I don't want you to be upset with it and to be honest from what it sounds like with what you're doing with your super and your hex debt and the savings that you're making and the fact that you're saving non-negotiably 20% like what

not many 29 year olds could say that they can do that and sometimes especially in the she's on the money community we forget that it's the loudest voices that get the most exposure so like we'll have money diarists who have bought houses or we might have you know people in the Facebook group that are willing to comment but I think we need to remember that sometimes if you're feeling flat or you're feeling embarrassed about your situation or you're not ready to talk about it you're not going to be putting your hand up and being like hey I'm 29 and I don't feel like I've done enough like people don't usually come out with those stories it's like social media because it is social media you kind of only see the highlight reel and as much as our community is so open and

honest and generous and I'm so grateful for the stories that we get even when they're like hey I'm struggling a bit how can I do this and I feel like our community jumps on board and they're like oh my gosh all right Tony this is what you should do and you know I'll give you this advice or I can help you and it's just it's so kind but it's not actually that common for people to put their hands up and go hey like I'm not where I want to be and I'm struggling a little bit um and I think that it's really beautiful that you're saying that but I also think that you know it's also really easy to only hear the loudest voices. I also love that you said you've forgiven yourself for that time

and you've learned from it, which it sounds like it has. It sounds like you're absolutely killing it and you're on your way to real financial success. So it's been amazing listening to your story from someone who travelled a lot and is now, you know, getting their A into G. It's like it's really cool. Thank you very much. I'm, yeah, so happy to be able to talk with you guys today.

And I suppose like my fear when I was getting exposed to the financial world was that I wasn't able to catch up, like that I'd really made sacrifices and I would forever suffer the consequences. But I think today, I know it sounds like maybe you're thinking that I perhaps am in a position where I am able to catch up. Oh, my gosh. Not only are you able to catch up, I think you'll surpass so many things,

like the fact that you don't have any, you've gone through all this travel, right, but you don't have any consumer debt, You don't have any personal debt. The only debt you said you had was HEX. Like, that's such a good position to be in. It sounds like you're going to absolutely kill it. Like, I'm so excited about this and you probably just can't see it yet.

Thank you very much. I think that's the perfect place to leave it. So just before we head off, we'd like to acknowledge and pay respect to Australia's Aboriginal and Torres Strait Islander peoples, the traditional custodians of the lands, the waterways and the skies all across Australia. We thank you for sharing and for caring for the land on which we are able to learn.

We pay our respects to elders past and present and we share our friendship and our kindness. The advice shared on She's on the Money is generally nature and does not consider your individual circumstances. She's on the Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. And we promise Victoria Devine is an authorised representative

of Australia Pacific Funds Management, proprietary limited abn 34132463257 afsl 339151 thank you so much for listening today if you aren't already part of our facebook group please join us and 170 000 other money fanatics that are that are part of our group um you can also join us on instagram by the way it's 180 000 but okay pardon me sorry gosh dock my pay this week yeah look keep up with the times tonal body you can also join us on instagram at she's on the money aus and don't forget to rate review and subscribe this podcast if you love it or if you don't because it does help us grow and you know helps other people find us yeah i love that i feel like you just sounded like a flight attendant

oh really yeah you were like okay thank you so much for flying quantas we hope you enjoyed giving us your business or whatever they say should i do it next time i'll do the end part with more of a voiceover voice yeah like it's a full voiceover voice the advice shared on she's on the money is generally nature and does not consider your individual circumstances i know i sound like i'm reading the news totally all right anyway we're now going to dim the lights for takeoff if you're scared of the dark or that the boogeyman will get you don't worry he only flies jet star like oh you think i work on quantus bougie you are bougie all right love you see you next week