She's On The Money - MONEY DIARIES: A Cheating Husband and only $1700

Episode Date: August 15, 2021

Our Money Diarist this week is sharing the importance of trusting your gut and looking after yourself. After finding out her husband had been cheating on her and controlling her finances, she was left with $1700, and has come out the other side with 3 houses to show for it and a side hustle that would impress anyone. Love ya 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 us for another Shop Back Money Diary where we chat to people in our community and they share their stories with us is Miss Victoria Devine. Hello, how are you? I'm good, thank you.

You're going to like this one. I say it every single week, but you're going to like it. I know, we need to be more creative with our intros, but literally you trawl through Money Diaries each and every single week to find the ones that we're going to share on the show and we get so many great submissions, so I always put a lot of pressure on you to form and like pull out the best of the best. So I'm sweating bullets at the moment, hoping that you're going to love it. So how about you read out the email and we kick this off. Here we go. Hi, she's on the money team. I was listening to your podcast and I remember Victoria mentioning

that she had a lot of clients that were in their early thirties and had just been divorced and didn't even know how to log into their bank app. Well, I'm that girl. I bought my first house when i was 19 after working three jobs and saving for a deposit log into a banking the first three years i was so broke i couldn't even afford christmas decorations no in 2014 my husband and i moved into my parents place and started building a second house i got both houses on the market and started renting them out the houses were making a profit of almost 2k every month when i was 29 i discovered my husband of 10 years had been cheating the whole time the whole time and had a girlfriend for the last four years of our relationship i lost everything and gained a few

stds by the time i was able to get access to our bank accounts he had complete control over them i saw that i was only going to get one thousand seven hundred and fifty dollars i soon found out that he'd gambled and spent all of our savings on gambling and sex workers i also discovered we had a 30k credit card debt. What? Then I received the solicitor's bill for $1,700. Oh she had $1,700 in her account so lucky. Oh money win. Money win. I've been able to manage to turn that all back around. I bought a holiday house last year and in the process of looking for house number four and I've bought a few shares. Oh my gosh what? I just want to share my experience so I can help others in my situation because I know there are heaps of people like me out there what a dirty

dog and I really want to get all the tea on this and luckily our money diarist is on the line oh my gosh I know hectic that happens in real life people have a girlfriend for four years while being married money diarist what on earth is your money story well it's a good one it's juicy Oh, we want all the tea. I'm like, money? Let's not talk about money. Who is this guy? How do you do that?

I know. Did you have any idea? Oh, look, I had a pretty good idea. He'd cheated on me maybe five or six times prior to that, so I should have known. I should have known better. Oh, my heart. That is so awful.

But, bright side, you're not in that relationship anymore and you're essentially a property mogul. Is that correct? I think so let's go with that let's go with that I have heaps of questions for you and I want to ask a whole heap of pervy ones but first we're going to go through our structured questions to get all the baselines and then we're going to chat is that all right to dive straight in go for it great so first questions first what is your attitude towards money um it's pretty good actually I've had a pretty good attitude towards money since I was a teenager

um and it sounds like you bought your house when you were still a child yeah pretty much yeah yeah no I've got a really good attitude towards money and I've had that my whole life so I'm so excited to hear that you've always had a really good attitude to money and it didn't push you off the horse to stay off the horse when you went through something so traumatic yeah all right yeah next question is what do you do for work and how much money do you earn I'm a police officer and this year I earned $106,000 and this year after this financial year will be $110,000. Hold up.

So someone had the audacity to cheat on a police officer. He was one as well. The juice. Oh, my God. Is this a TV show? This is a TV show. We're on Blue Heelers right now. Oh, my gosh.

The audacity is wild. Hang on. Seeing as this is all anonymous, so police officers, is there a bit of like a... Is it incestuous? Yeah, is it like a crazy industry where everyone's sleeping with each other? Clearly.

Yeah, it is a bit like that. Yeah, the culture's like that. It was really bad when I first joined. It sort of cleared itself up, but not really. But, yeah, it's quite like the Defence Force as well. Yeah, but I feel like that's quite common to kind of like like goes with like. You clearly have something in common with those people,

so it makes sense to marry. It's like when doctors get married to other doctors. You're like, of course you did. You understand the industry. I'm never going to get home late. And you go, well, I'm, you know, an accountant so I work nine to five but a doctor's like, well, you know, I've been working for 70 hours nonstop or whatever.

Yeah. So I guess it makes sense. Yeah. And it's not a normal job and then you do shift work. So, yeah, you can understand why you get attracted to similar people in the industry. Oh, I just thought it was the uniform, but that was just me. So just a quick question about that.

So obviously $110,000 is amazing money. How long does it take you to kind of reach that point in the police force or is that like a starting figure? No, so that's 10 years in the police force. Wow. That's good career progression though. That's epic. Oh, look, sometimes I feel like I still don't get paid enough.

I would agree. Yeah, I mean. The kind of situations that you get put into, like, I would absolutely agree. Police, ambulance, healthcare workers, teachers, like all of you do not get paid nearly enough to do the work that you do. No, no. And then the work that the government ask us to do can be a bit challenging as well. I was about to ask, like, through COVID and things like that,

have you seen the scope of what you do day to day change a lot or? Yeah, massively. Like you're doing your role plus this COVID role and, you know, people are getting stressed and leaving so you're taking on their roles as well. You're not getting paid anymore. You're just expected to do it. That's really interesting to hear from your perspective how much that's actually changed because I guess the main narrative through COVID

has been people losing jobs. Yeah, because you still have your normal work. Like that hasn't gone away. Yeah, wow. Well, thank you for your service. Is that what you say to a place like that? I think so. I'm always just like, you guys are much cooler than I am.

Like, it's a lot. That crisp blue shirt, it does something, doesn't it? Right, we're not talking about that. Tony? Tony, this is a money podcast. All right, so next question is, what is currently your big money goal? I want to retire by the time I'm 50. I don't want to work any further than 50.

Yeah, that's my money goal. She does have four houses. That's very, very impressive. On the way, I hope to get four houses, whether or not that happens. She will. Another story. Can I ask how old you are, money diarist? 35.

So she's still young. 110 grand at 35. So you've been a police officer since you were 25. So you even bought your first house when you were 19, so long before you had a career full-time job. Yeah. Wow. Holy moly.

Stop asking questions, Tony. Sorry, sorry, sorry. all right the next question is and we already know part of the answer to this is do you currently have any investments yes i've got the the houses that um i own and then i've bought shares as well so it's not many um shares it's about 15 000 in shares but there's not many okay well that's so good my partner does shares and he does a lot more than me so I just go oh that's a little bit so um the first shares I ever bought um was into a mortgage broking company that approves um applications in 15 minutes oh cool I don't think I've heard of that I'm gonna look

into it i'm also gonna ask you offline next question do you have any debts i do i've got um 860 000k worth of debt obviously because of the houses but i don't have um credit card debts or a car loan or anything like that yeah that's really impressive and i feel like that's good debt for you to work towards your financial future which is really exciting next question we've started asking all our money diarists because we want all the hot tips is do you currently use shop back I've been on there and I've had a look but I don't buy a lot of stuff so I haven't found anything to buy off there yet she's not like us Tony she doesn't she's got self-control it sounds like that's really nice for her I like maybe I'd have three houses on

the way to buying four if I didn't um buy so much well you shop back cashbacks looking like He has to cost it, so that's pretty good, Tony Lodge. I just sort of go, if it's meant to be in my life, it will be on sale and it will still be there in my size. That's a good mentality. I can't adhere to that, but I like that. Next question, which I feel like that is a good money habit, but the next question is, what is your best money habit?

Is there one better than that? I don't think so. Well, luckily we weren't asking you, Tony. I think you've got to live your life a little bit, probably more so than what I do sometimes. But my best money habit would be that every time I get paid, like straightaway I pay all my rent, you know, anything else that sort of I need to pay, I pay up straightaway

and then I check my bank account like every day or every second day just so I can keep on top of like I did groceries. I'm like $260. All right, cool. Where's my bank account at? I know I have debits coming out from my phone. Okay, I need to have that in there and I've got tolls and whatever else. I'm just across the figures in my bank account every day.

I think that's a really good habit. And obviously, Victoria, you're the expert. I think that's a good habit because I now use your method of having a cash hub and it going through down into different bank accounts every day. Because our offices are cold. Yes, it is. and so because I know that it's all set up so well I actually have kind of fallen into the habit of not checking it because I'm like I don't need to I know it's fine and it feels comfortable

right yeah I know that what is in my food fuel and fun account is what I can spend and it's not going to negatively impact me whereas I remember when I was a bit younger I used to just have one card and one bank account so it's one cash pool and you're like I've got heaps of cash I can go You do groceries and it's $260 and then like the next day your phone bill comes in and you're like, oh, I wish I'd not done that. And it can be really stressful. So that's why we want more than one bank account to break those things up and plan into the future. Because if you're not doing that, I promise you, you're doing yourself a disservice. Like it's so, so empowering when you're in control.

Yeah. All my savings is in my offset account. So it's really hard for me to get to that. So she's a genius. To that money. well then i want to know what's your worst money habit my worst is probably me spending money and feeling guilty about it so that's a really bad habit and i get really grumpy and angry if i buy something for myself or i haven't been well so

you know i spent 750 on infusions and doctors and medications last week and i should not be feeling bad about that you should be feeling grateful that you have access to being able to afford to do those things and that you get to put yourself first oh my gosh exactly well I think that's a good money habit and it's your good money habit that has put you in that position yeah yeah it just still makes me dirty do you know what regardless I feel like when it's something that you're like well it's not like I just went and splurged on a new pair of shoes to treat myself like I couldn't get out of this infusion I had to have it and you just bit dirty they're so expensive like I get that but I definitely wouldn't say it's a bad money habit or go I

really splurged on my own health the other day like I splurged and I paid for my antidepressants me well I do when I go on holidays they're luxury holidays they're Yeah, I spend a ridiculous amount of money on my holidays. So that's probably where I splurge. You know what? Live your best life. I want to ask about those holidays. Well, I wasn't allowed to ask about the police uniform, so.

Okay, okay. And lucky last question. If we forced you to give yourself a grade, what would you grade yourself? Still probably a B because I'd like to save more money. I just spend too much money on food because I hate cooking. So, yeah, I am definitely supporting local at the moment. How good is that excuse? That's genius.

I think as well, like you said before, because you do shift work, it's a bit harder to get into a routine, right? It is very hard, yeah. It is really hard. And you're like, oh, I'm hungry and it's 3 o'clock in the morning and I shouldn't be hungry right now. You know, the only thing that's open is a vending machine in the station and the next thing you're having snakes, you know,

at 3 o'clock in the morning. Because there's nothing else there, yeah, so that sucks. That's true and that's really hard to deal with as well because you're like, well, I actually didn't have time to plan but it's one, yeah, I could sympathise with that but I'm always asleep at 3 a.m. Yeah, I think most people are asleep at 3 a.m. Except cops and criminals.

Yeah, I was about to say except for the naughty ones and that's why you're up. Yeah. All right, we're going to go to a really quick break And then we are going to ask you about your fancy holidays, your ex-partner, and Tony wants to ask you about your uniform. Yeah. See you soon.

Money Diaries, we are back. And I've had a lot of questions because I feel like your story is really colourful, from being cheated on, to actually buying your first home at 19, to wearing a really attractive, according to Tony, uniform. Police officer's uniform. There's just a lot to cover, but I think I want to start at the start, if that's okay. At 19, you weren't a police officer yet. How on earth did you buy your first home?

What were you working in? How did you save? How was that possible for a 19-year-old? So back in the day, probably before a few people were born listening to this podcast. We know how old you are. You are not that old. you're acting like an 80 year old woman it's really like back in my day it feels like so long ago um so back then they were giving out handouts of fifteen thousand dollars for the grant money

yeah and you didn't have to build a new home so we saved up i think it was 12 or maybe 15 there about so the deposit for the house was um 25 um the first house that we bought was 305 and back then you didn't even really have to have a deposit it was like 100% loans that you could get um so we obviously didn't get 100% um of the loan but we yeah that's how we got our first house wow so what were you doing for work at the time then like what were you earning so i was a dental assistant oh they earn good money tony's been going to the dentist for the last couple of weeks actually yeah i've got a great dentist yeah gorgeous dentistry uh if anyone's interested melbourne cbd

not sponsored yet but she's working on it um and my partner had just gone to the police force so us getting a home loan was quite easy oh okay because he was like in a service yeah in a service yeah so back then you didn't have the rules and regulations around the home life and that's how we got our first home but like i said so broke couldn't afford christmas decorations for the first year and i remember being so excited that i could afford lay by for the after christmas hours and i went and got my christmas decorations so that's a really nice and really warm wholesome memory that you have that you worked really really hard put all your money into something and that like a year later you could finally afford something

that is so like every day do you know but like it's one of those things where also lay by why don't we have more labor why don't people talk about why don't people talk about lay by more lay by land we're not sponsored by them i just really like them lay by land.com.au i think is a really good alternative to buy now pay later because you don't get the item until you've paid for it which is kind of like that delayed gratification thing like if you actually want it you'll wait for it right exactly anyway I'm obsessed with them they don't even know who I am like I've never spoken to them but I'm like their biggest fan low-key creepy that's okay but I just feel like also Christmas decorations buying them after Christmas is genius because they're always

on sale yeah they're always so cheap smart cookie yeah my poor nieces and nephews always get the after Easter stars as well so yeah that's smart because you can get so much chocolate for not much money my boyfriend and I always go to Coles like the day after Easter Sunday and buy like heaps of eggs and then eat them through the year who am I kidding through the year in the weekend so moving on this partner of yours boyfriend became your husband is that right yeah so we got married um before I was 21 so I remember it was before my 21st birthday So I was a kid, I was a baby, so was he. So, you know, he cheated on me before we got married.

But being young, you just go, we're working on this. And then when you're married, you go, well, you're married, you just don't walk away from it. And so, yeah, I worked with him really hard, but I didn't realize that he was gambling. And, you know, I'd go to buy groceries and the card would decline. I'd be like, well, that's weird. Why don't we have any money?

like we're both you know on government wages now like we should have a decent income yeah so yeah and he said to me i remember it clearly he said you control everything else in my life the only thing you let me do is the money so let me do it so you were like okay you can take control of that yeah yeah because i was like oh maybe i am controlling him and and that's the only thing My friend, he was gaslighting you. A hundred percent gaslighting me. So it was when I went through the academy, we obviously had to save up to cover the mortgage.

So I had one chance to get through the academy, which was a lot of stress because you don't get paid and you get a debt as well, which is another savings hack. I don't know if it's a hack, but I still pay my HECS every year. So it's like full savings. Even though you've paid off your HECS, So, do you get an epic tax return? Yeah.

I know a whole heap of people that still do that because they're like, I wouldn't save otherwise. Yeah. No, no. So, I get a nice pay package every financial year and I'm like, so that helps me. And then I went to the academy. I just buried my head and we saved up enough money,

well, I thought we did, to build a second house out the back of the house that we had purchased. but I purposely picked the block that we purchased straight away because it was a flat block and was able to be subdivided. So I knew eventually that I wanted to subdivide it and put another house out the back and that's what we did and renovated the front house while we were building out the back. So I had that all going and I just had my head in the sand

and I just sort of knew, I knew something was happening but you just don't want to know at the same time. For sure, yep. And the universe has a real funny way of going, you know what you can't run away from this anymore and I had a really bad cat accident to the point where I couldn't walk anymore so are you okay now I still have problems now but I'm obviously still able to do my job so it's just a little bit more painful um and everything stopped everything had to stop and that's when I started picking up on you know just things like they were

doing that i'd never noticed before um you know spending hours on the toilet um the phone always being flipped down the screen was always down just a gut instinct so then i confronted him and i may have done a download on his old phone that he kept with him get it girl what a police officer move yeah yeah i was like we can do this at work surely there'll be a program that you can do from the internet. See, don't cheat on a cop. What a plan. We're also not endorsing this. We're not endorsing this, but I don't know. I have girlfriends who have had partners cheat on them historically, right? So many people are like, oh, well, you should never invade their privacy. And I totally agree, but I'd prefer to be in a situation where I'm just really embarrassed

for having invaded their privacy to the point where I'm like, oh my God, Tony, I'm so sorry. I did look on your phone. I was just feeling really nervous. But 99% of the time when you look, you find something because you always have that gut instinct and you're only looking because there's been something telling you that you should have. And I'm kind of like, oh, like I don't necessarily agree with it. But in certain situations, it's just the validation that you need to make the right decision for you in your life.

Yeah. But at this point, he was still controlling all of your finances and everything. Is that right? Oh, my gosh. So you did a download of his phone. What did you find? Yep.

That's when I found out he had the girlfriend for four years. um you must have been absolutely heartbroken and you've just been through a car accident as well I I lost 15 kilos and this is where I've got all my health issues from now um from just making myself sick over this breakup um and that's why I'm still paying for medical bills which I'm dirty about anyway um so yes I did the download got all the photos I sent him the photos because he was at work and I said that's it we're getting the divorce you had plenty of opportunities to tell me exactly what was happening and you didn't um and I said that's it we're done um I went and got an STD check and at the time the doctor didn't tell me to get a pap smear which I'm going to

just say to all the females if you ever get an STD check get a pap smear because that's when I found out about two years later I did a pap smear and they said I had the cervical um cancer virus oh my gosh and so I had the pap smear on the Wednesday on the Friday they called me and said you've got to go into surgery on monday and i was like what so yes so if you're ever in that situation get a pap smear test so i actually would like to jump on that as well i encourage everybody i know that it sounds really horrible and invasive and scary it's really not that bad please just go and get it there's nothing awkward about our vaginas everybody's got one if you are a vagina haver please make sure that you look after it a vagina haver yeah if you're a vagina

Yeah, like if you are the owner of a vagina, whoever you are. Yeah, it doesn't matter who you are. If you're a vagina-haver, get a pap smear. Hire me for marketing. Why am I doing this? Or you're not getting a promotion to marketing. You can stay as our EP. So then the divorce proceeding started and obviously when we figured out,

when I figured out that he was cheating, I went straight to the bank and opened up my own bank account and transferred. it was $1,750 into my bank account and I was like that's all I have I was like oh my god when I saw the bank account details I was like that's all I have like after you know 15 years of working that's so heartbreaking for you yeah it was really heartbreaking and then I made the decision to sell the house because I couldn't afford to paint me out because by this stage it had gone to a boom And then obviously having a second house and it being subdivided, yeah, I just couldn't afford it on my wage.

So I had to sell it, which was very, very heartbreaking. So I got a massive payout from that because the home loan was in the 200s by that stage and obviously we sold it for about $850. Oh, my gosh. So I got a massive payout for that. Well, at least you – like I'm so glad to hear that because hearing that you had been left with nothing after working for so long, to know that you weren't left absolutely hot and dry,

which happens to so many people. Yeah. Like that's a good news story even though it came from a place where you were kind of forced into it. Yeah. Yeah, absolutely. And it was shit and I know that house is worth heaps more now but you just have to cup it on the chin and keep going.

So I bought a block of land down Melbourne and built a house and then it just started from there. And I bought a holiday house down at the South Coast last year. Oh, she's fancy, Toni. Because I'm like, I just need for my health somewhere to reconnect with nature. And yeah, so now I let that out as a holiday house because obviously working at the co-op, I can't go down there all the time. So yeah, that's a bit of a side hustle now.

So that makes me quite a bit of income. That made us about $70,000 last year. What? Hold up, hold up, hold up. Why was that not in the first – like you told me that you earned $110,000 and just forgot that you earned $70,000 in a side hustle? Yeah. This woman is a hustler.

Hold on, hold on. All right, so we want to know how much did you purchase that house for and are you putting it on Airbnb? Like how are you doing this? I want to know. So originally it was on the market for $9.90 and when COVID hit and everyone's like the house prices are never going to recover and it took that big dip, I knew the house prices were going to recover

and we found this house and we offered $650 for it and they sold it to us straight away. What? You are joking. So they just took it and you bought it for $650 when it was worth $990, like you got a million-dollar property for an epic discount. We renovated it and made it a lot more homely and, yeah, a holiday house friendly.

and, yeah, it's been booked out since we put it on the market. So we have our own website but we also have our night stays and Ripperide and Airbnb. Oh, my gosh. We'll have to get the details for that. But I feel like that's a side hustle that's rising, having holiday houses. So now you've bought this house even though like $660 is a lot of money

but you've bought this house. Does the Airbnb cover the mortgage repayments and stuff like that for you so you're now turning a profit or was that $70,000 actually the profit? uh no so the the renovation costs us about 45 50 000 and i'm quite lucky because i've done renovations before and built before and my dad's built us and we just all went down there and knuckled in and did it ourselves um so that's what was able to save us on the renovation budget um but three payments of about 18 000 a year yeah and then you know your insurance um rates and all that so you're probably looking about 25 000 so we've made quite a bit of profit yeah that is so

good and as time goes on obviously those costs are going to go down because you're not going to renovate every single year what a win no congrats i feel like you've bounced back incredibly well given going through that would have been very traumatic and i know we don't have heaps of time left because tony keeps looking at me but i'd really like to know so this is something that we would never wish on anybody but unfortunately is really common for a partner to not be faithful to you how could we potentially have our eyes a little bit wider to make sure that we don't miss those signs because as you said you put your head in the sand about it and I know a lot of people do right and I think that there's a misconception that the second you find out your partner has

cheated you need to leave immediately but that doesn't work for everybody and it's not necessarily the right thing for each relationship so even saying oh my god I would leave immediately is just not helpful because you're not in the situation you don't know and you also don't know how that works and just saying well I would leave immediately like that's not constructive and pretty entitled really yeah exactly so as someone who has been there how can we be more self-aware like how can we learn from what you've been through so that hopefully we aren't in that situation the first one i'd say is don't be too hard on yourself if you don't notice it because some of them are really good at hiding and being deceiving and just you know love bombing you so

you'll never see the signs mine was a bit slower and thicker so i could see the signs i just chose to ignore them i also believe in gut instinct as females we've really got to listen to our gut instinct i'm quite spiritual in that sense like i sit down i meditate every morning and i just listen to the signs and what gets told to me during my meditation so i absolutely believe in your gut you know what's happening yeah um it you know something doesn't feel right it's probably not right if you're saying something and it doesn't make sense it's probably a lie you know and just things like flipping the phone down going into the bathroom for ages being really cagey around their computer and their phone um you know the whole gaslighting um I know in that

situation you can be so bitten down that you don't realize you're being gaslighted um so I really think it's a gut instinct and it was a gut instinct for me but I just chose to ignore it yeah but ignoring it obviously didn't serve you but at the same time I think we face the things we need to face when we need to face them and not any earlier kind of like financial literacy like You could have told me all of these things when I was 20 years old. But you weren't ready to hear it yet. I wasn't ready to hear it. I didn't want to do those things.

I didn't want to save. I didn't want to invest. And that's why I always say, don't be harsh on past you because they were just doing the best that they could with the tools and resources that they had at the time. Whereas right now you have more, but it doesn't even mean that you would have used them historically. So I think that, yeah, you're right. We shouldn't be harsh on ourselves for those things. And we probably should just be kinder to ourselves in every situation.

and I really do believe like the universe will step in and go right you've been ignoring this for too long we're gonna make sure you pay attention I always find it really interesting because my mum always tells me like if you want something just ask the universe and the universe will deliver what exactly what you need and I know that that sounds really fluffy and a lot of people they're like oh I don't actually believe in that like you can't manifest things and I'm like cool but also if it's at front of mind for you and you're articulating these things they are more likely to happen so whether you believe in it or not just actually looking for signs and finding affirmation in the things that are in your world can actually help guide you to the right decision

whether you believe in quote the universe or not um or not yeah yeah so I just think that that's a really powerful thing as well and just trusting your gut I feel like I've learned a lot about that and pray that I'm never in a situation like that but yeah the idea that someone managed to hide an entire girlfriend for four years that's wild terrifying yeah you can definitely bounce back from stuff like this and I really do believe that lessons are to be learned from it as hard as they are you definitely come out there on the other side oh my god I just feel so proud of everything you've been through and like how you've come through and your attitude and just the fact that you're like no like the universe was trying to tell me something and I wasn't listening and

you've kind of taken it in your stride you're really cool we're now best friends right if you knew how nerdy i was i'm sorry what you're talking to a financial advisor like i think that we're two peas in a pod my friend but the fact that you came back from someone controlling your finances and were able to be like you know what i'm actually just going to take control of this myself and now look at you you've got three houses about to buy another one you're going to retire by the time you're 50 you've got an amazing job you've got this side hustle going like this is so exciting exactly and it's just it feels really special that we're a part of it that you're sharing your story with us so thank you so much for your time no thank you and 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 guys all across Australia. Thank you for caring and for sharing 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 that Victoria Devine is an authorised representative of Australia Pacific Funds Management,

Proprietary Limited, ABN 34132463257, AFSL 339151. We'll see you next week, guys.