She's On The Money - MONEY DIARIES: A Vet With a Vision!

Episode Date: December 18, 2022

She's a super driven and hardworking veterinarian who, due to her often 100+ per week work load, often treats herself a little too much. Who can blame her right? But this means she finds herself barely scraping by despite her 6 figure salary. She joins Victoria to talk bad habits, big ideas and so much more! This year our Money Diaries are being brought to you by the legends at Shopback! Check them out at https://app.shopback.com/aus/partner/SOTM and you'll get a cashback bonus when you sign up! Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Hello, my name is Natasha Nabanunga-Bamblett. I'm a proud Yorta Yorta, Kurni, Wolperi and Awadjuri woman. And before we get started on She's on the Money podcast, I would like to acknowledge the traditional custodians of the land of which this podcast is recorded on Awadjuri country, acknowledging the elders, the ancestors and the next generation coming through. As this podcast is about connecting, empowering, knowledge sharing and the storytelling of you to make a difference for today and lasting impact for tomorrow. Let's get into it. 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 Victoria Devine, and we are back for another one of our Shop Back Money Diaries, where we get to have a very exciting conversation with one of our She's On The Money community members about their money story and the journey that they're on. And this week, as always, we have a beautiful one for you. So let's dive straight in. This is the message I got this week. I am a 27-year-old veterinarian and have definitely been living beyond my means, despite making a six-figure salary. Given my hectic workload, sometimes easily 100 hours a

week, and the emotional toll the job takes on myself, I definitely decide to treat myself a little bit too much. I've now decided that in order to keep up with my lifestyle, I'll need to make some drastic changes to my money habits. I've also decided that this will need to involve a dramatic mental health overhaul to make it sustainable. My dad was always and still is obsessed with finances. He tells me where I need to be at in my super to be able to retire comfortably weekly and sends me the spreadsheets. Becoming financially free from him, although probably not the best decision for myself financially, has been great for my mental health. I really want to share my story so that other young professionals out there can have

someone to relate to as a single woman who is nowhere near buying a house. All right, money diarist, what a story. Are you ready to dive straight into this one? I sure am, Victoria. Oh my gosh. All right. I want to know, can you tell us a little bit more about your money story? So I guess we can start where I, like I grew up, I grew up very comfortably. Like I said, dad's very comfortable with money, sort of discussing it. My family, both my parents, It's, you know, worked full-time. They both have higher degrees.

Dad's got a PhD. Mum's got a higher degree as well. Oh, not the only doctor in the family. No, no. Yeah, Dad's the first doctor. So we always lived extremely comfortably. My sister and I went to good schools. They weren't private schools but they were, you know,

well-known public schools that you had to try really hard to, you know, get into. They've always had, we've got investment properties. Well, the family has investment properties. It's in my parents' super and they've got their own businesses. everything with the money they've done correctly so yeah and like I said in my little blurb that dad was sort of always talking about money growing up and he still is I literally have in my email column a section for him just that all the emails go to because it's constant so I always get

spreadsheets about yeah where my finances are meant to be at and how much I'm meant to save and that's sort of where my money story started I love that does he want a job I feel like he would love that I feel like there are a lot of people in our community that need this as well 10 out of 10 dad behavior oh he loves a good spreadsheet so do I though I inherited that from him the other part of my money story I guess is that I have a twin sister and we've taken very different life paths at the moment so my degree was seven years in the end it took me to finish vet school where she is a paramedic who's in London now and she finished in three years moved straight to London, made really good money, literally traveled the world. So we've always

sort of competed against each other growing up. So she's obviously got a lot of savings and she can, you know, travels freely and just living life, especially in London. Whereas I've sort of always been stuck in the country town and working for very minimal wage usually until now. But yeah. Wow. Basically where I've come from. How interesting. I feel like that's really like, it's interesting to see twins go in two different ways oh it's just it's scary to look at no it's not we'll come back to that we are going to come back to that all right I want to know what do you do for work now and how much money do you earn so I'm a vet I started in GP and like I said I was making six figures eventually after a few months I got a good pay rise then in the height

of COVID I actually took a big pay cut of about $40,000 to $45,000 to be a veterinary intern which means when you graduate from vet you come out as a general practitioner so you can get paid okay but the award's about 50 something thousand so not a lot yeah so I was doing well took a big pay cut and now I've started after my internship I got a residency which means I am training to be a specialist and I'm on about 90 a year, roughly a bit under. So I was just looking at my paycheck just then. Actually, I've done your course, so I've got all the bits and pieces filled in. So I make $2,278 a fortnight after tax. Not bad. Not bad. And then you have to take into account all my expenses. Oh my gosh. Yeah. Look, let's not take that there right now. I want to know

what you're working towards though. Can you tell us a little bit about your big money goal? Yeah. So I've got, I'll tell you a program. Again, I've sort of split up all my little money goals. Oh, so you do the full-blown she's on the money budgeting cashflow system. Yep. I've literally done it all. So I've got like my short, medium and long-term goals. Yeah. With my short term goal at the moment, it's just to get out of essentially personal debt as quick as I can, which we'll get into later, I guess. Just got a fair bit of little bits and pieces and they sort of all add up. So that's my first one. And then because of my training

program I actually get to go overseas I'm not allowed to just train in the same clinic it's the same specialist hospital so I'm going to go to Queensland, Hong Kong and hopefully the UK to do some training in the next couple of years under some big well-known vets but that's going to cost a lot of money. That's all right the experience is going to be there and the way your eyes lit up when you explained that to me tells me you cannot wait. Oh I'm very excited extremely excited and then I've got my medium term goal which I've put so my first short term I've put sort of one to two years is I know a lot of my savings are going to go into my externships my medium term goal is to save a very solid emergency fund which I know I should do

earlier but it's just realistically I'm paying so much debt down and I know it's going to go straight into the internships and I've got like it's sort of nice that my parents are on top of money because I can always I can always rely on them as much as I hate to do it but just in this job and this you know career path that I've taken I'm unfortunately not going to be able to save a ton of money while doing the externships it's just it is what it is so you'll go overseas for a few months at a time and you won't make any money so the next goal is the the medium-term goal so i've just sort of put an arbitrary amount about 15 000 i'd like to be able to get a few months of expenses saved and then my long-term goal is which is 10 years plus i've decided that

i want to get into investment properties like my family but given the market moment and my wage and my debt from that school and all that. I just think there's no way I'm going to be able to do that anytime soon. It'll happen in the future though. That's the plan. If we make a plan, we are halfway there. Exactly. Oh my gosh. I love it. All right. You mentioned debt before, but I want to ask first about investments. So do you have any investments? If so, what are they? I only have my super at the moment, which I checked before. It's at about 17,000, which I think is pretty good for technically only working full-time for two years. I've only ever done sort of casual shift work while at uni that's the only investment i technically have at the

moment i did have a raise account but then i figured i mean it's nice to get into it but i had so much debt that i ended up taking the money straight out of that when it had increased a little bit just to pay down the debt quicker i was paying so much so much interest yeah wow all right well let's talk about debt then i want to know you mentioned before that you have debts so what are they and what are they for all right we'll go through my little list it's very daunting but I was like I need to have it I haven't actually saved in my computer because if I don't have it right in front of me then I I sort of I bury my head in the sand one of these people that I'll just sort of leave I do leave paycheck to paycheck unfortunately at the moment that's

because I'm trying to put everything towards paying the debts off so at the moment so I did initially pay my health loan off which was nice when I was working with my six-figure job yeah then I went back and did a postgrad certificate so that's sitting at about 8,600 which is not too bad but it's still there that's not bad debt exactly it was about 70 000 I think that school ended up being wow and you paid all of that off I paid part scholarship part with my own work so wow that's a very big feat on its own I know but just look there's better places I could have put my money but it made me feel good to actually pay some of it off yeah 100% and now it's not coming out of your paycheck each and every single month as much as you've already done it like I

don't think it's the worst decision. And I've got my car broke down and I had basically no savings though. So I still have a car loan. I think it's sitting just over 8,000 now roughly. I also have, what do I have? I have, I've got a credit card debt, which I consolidated recently. So that's down to 4,000, but I put all my little tiny debts into that on a, I did a balance transfer of 0% interest because I felt like the accounts that I did have are spending more in interest per week per month and I was actually putting back into the payment so I wasn't getting anywhere and then I had a finer payment that is about $1,300 left on that so I drive an unregistered car I didn't realize that oh no and then my workplace also didn't tax me correctly in the

last year so I had about $1,600 initially on that and that's about down to I paid a bit of that off it's about $1,300 at the moment oh my gosh so is that a total of around $15,000 worth of debt I'm sorry to add that all up. No, let me actually, let me check the spreadsheet. It's all on here. Loan repayments. This is the daunting part. It's just under 24,000.

Okay. All right. Not too bad. Honestly, that is not the worst place that you can be. And I think it's interesting that you said, look, I just bury my head in the sand, but it kind of is what it is, right? We don't need to crucify ourselves over debt. We just need to go, it's there.

We need to make a plan for it. Full stop. End of story. I think the most important thing you can do when it comes to managing money is just acknowledge its existence and kind of pick yourself up and move on. Because if we dwell on it, like it doesn't actually grow us. It doesn't benefit us. It doesn't put us in a better position, like feeling bad about things like that's a waste

of time from my perspective. But what we can do is do exactly what you're doing right now is create a budget and cash flow system that works and put it into place. And then, you know, that plan is eventually going to work. And just because you're in debt doesn't mean we can't traject ourselves forward still. Like paying off debt is a really good lesson. Like it is a lesson in discipline, in savings. And the second that you've paid off that $24,000 worth of debt, well, that's $24,000 worth

of savings we now can create because I know that you've been able to save that in a way. So that's a good position to be in, my friend. I don't think it is the most negative, but I mean, that's not how the person who is in debt often feels. Yeah, no, definitely not. and I think look it's eye-opening like I did the course I've got it in front of me and I literally keep a list right on my computer where I check every day and it's sort of nice because once I pay a little bit more I'll just sort of knock the price down on my little it's just like a little

note on my computer so I can visualize it every day and be like look this is actually a lot smaller than it used to be and since doing that I've been like okay I'll pick a couple shifts up in the ER department or I'll start another job very soon just on the side which will make me it could make another 1500 per week potentially oh my gosh she'll smash it off in no time yeah that's the aim oh i love this for you that is so exciting all right let's move on to the next question i want to know when you're shopping online do you shop that i sure do i've been using it for years i've totally forgot i had it until you guys i'm talking about it on the podcast again and then i went back and it turns out i had about 30 so i made a new account they let me

merge it I use the cheese on the money code oh money win the other day I think I got $60 out of it so I can't remember what I put it towards I paid something with it but I was like I may as well take money from that and use it while I can and I like I buy all my dog food anything that I can I try to buy on there so yeah how good I love that you're like oh I still got the discount code even though I wasn't the one that introduced you to it like that's a money win in itself I think you're a genius 10 out of 10 good money hack the next question I have for you I want to know what do you think is your best money habit well I think it's like that again I think I'm just good at getting the best price I can I used to be very I would just buy things if I saw it and I

wanted it whereas nowadays because I'm so I know how much debt I have I actually step back and I'll put you know the time between my purchases like generally I will be like do I really need this when I go to purchase something it's one thing I think I do quite well it definitely like it saves me hundreds here and there because if I go out and I look at it I'm like do I need that other pair of shoes not really so it's something that I've developed over the last few years definitely that is a good habit I want to bring the mood down though I want to know now what is your worst money habit probably putting my head in the sand especially when it comes to like groceries and little purchases I was adding them up the other day and I spent like an extra $200 over what I

budgeted just between like drinks and coffee and you know buying food out we've got a pub across the road from work so if you've had a crap day a lot of us will be like oh let's go to the pub and have a drink and it adds up yeah totally totally all right last question i've got for you before we head to a quick break i want to know what would you grade yourself if we forced you to give yourself a money grade i'd probably say like a c at the moment mainly because i i obviously have the debt still and I don't feel very financially free yet and that's what I want to achieve and I don't want to be living week to week off paychecks which I'm doing at the moment because I'm trying to pay down the debt so once I get on top of that and probably get on top of my

debts a little bit more and have a bit of a saving base then I'd probably increase it a bit but with my where my career will go and hopefully that will happen in the next five to ten years yeah oh my gosh. All right. Well, I have a lot of questions for you. I want to talk to you about growing up as a twin. I want to know what it's like mentally to work as a vet and if it's actually Victoria Devine's dream job, because that's what she thought she wanted to be when she was little. But I have a heap of questions for you, but we're first going to go to a really quick break. Don't go anywhere, guys. All right, Money Diarist, we are back and I want to dive straight in. when I was little all I wanted in life was to become a vet is it all that it has cracked up

to be I feel like you are living my dream job that's what most people think no I love it I do I do I really love my patients and I think the work itself like the science behind everything is very very interesting it's just a very taxing job mentally and financially like I was saying before our award which is dramatically improved in the last five years when you graduate I think you're on about $57,000 like which is not a lot of money compared to like my friends that finish med school and they're on it can be close to double that as soon as you come out so in that way it's quite taxing as well especially living in Sydney so everything's way more expensive now it's also it costs a lot of money just to keep up like to keep up with continuing education I think

I spent about $7,000 last year and that was minimum on like CPD points and things like that. But like I said, I do absolutely love it and there's definitely places you can progress your career and I actually don't like working with the young, cute dogs. I like working with the old, crusty ones. It's my area that I want to specialise in. Old dogs are more special though, I am convinced.

Like there's something so wholesome and special about an old baby. I just love it because everyone in the ER, like when they transfer to me in the specialist department, they'll give me all the old crusties because that's all I want to deal with that's actually where I've taken my new job I'll be the palliative care business as well in Sydney so oh my gosh that's so wholesome we'll go around to people's houses and either it sounds really depressing but it's quite nice to actually put their dogs down at home around their family or perform palliative care practices at times that have to come into the clinic but yeah no I love I didn't not see my career going in that direction

at all I thought I just wanted to be a general practice vet or even work with cows I didn't actually think I'd be ending up working with old crossies but yeah that's where my career is taking me at the moment and I'm absolutely loving it but yeah well every like every job it's got its ups and its downs. How do you deal with that mentally because I actually think that that is it's a really special position to be in having had pets that I have had to put to sleep before it is heartbreaking and one of the hardest things ever and you know the idea that you can do it at home I don't think was an option available to us when we did that. I remember our first dog had to be put to sleep on Christmas Eve one year when I was 12 and it was heartbreaking. And now I can't drive

past that vet without thinking of it. And it just wasn't this, you know, experience that, you know, she deserved. And I mean, she had the best life ever, right? Like she was Milo, the dog, she was the best thing that ever happened to my family. She existed in the family before I did. And then she passed away when I would have been at high school right like she had a legacy but I feel like being able to do that in people's homes is so special but that would take such a toll for me like how do you deal with that and how do you look after yourself in a role like this well I feel like that's the it's like again it sounds really funny but it's I was talking to someone a colleague about this the other day actually and that side of things actually I call it filling my vet cup

because the families are so grateful and most cases they're beautiful families like in your situation it's usually you know the family's first baby that they're putting down and they're just very appreciative and if it's like a palliative care type consult at least we know that we're making a plan and making the animal most comfortable and doing the most you know the most respectful thing we can for them same when it comes to euthanasia so we obviously I will go out or even in the clinic we'll tell them if it's you know we think it's actually time because we have to be an advocate for the animal it's all about mindset I really don't mind doing it if I think it's genuinely the best decision for both the animal and for the client especially it sounds

really bad but money obviously comes into it a lot especially working in a specialist clinic some animals like some treatments cost you know tens of thousands of dollars and people just can't afford that especially in this day and age we're getting people that are taking loans out and I don't I don't like to see the clients in that position either where they can't even feed themselves so they can't pay the rent if euthanasia is, you know, a feasible option, as bad as that sounds. Yeah. And as for keeping myself and my mental health under control,

I feel like doing the at-home stuff. It fills my cup because we're doing something really sweet for the family and most animals hate going to the vets anyway, especially when they get to 15 and they're in pain and they're, you know, they've had all the experiences at the vet before, whereas doing a lot of my normal everyday work doesn't because I just get a lot of abusive clients as bad as that sounds just because of the money side of thing and just the nature of the practice that I'm in so it sounds awful but I when I explain

it to people I get they generally understand where I'm coming from because if you just have to put yourself in that position yourself yeah it doesn't mean that you love doing it but I think that getting the best outcome for the animal and the family like that's you know at the end of the day a dream role and I just I don't know I've got a lot to say about that space because I just think that humans should be extended that same grace, but we won't go down that path at this time. I want to pivot the conversation. Actually, you said something at the very beginning of our conversation. You grew up as a twin and you felt like or feel like you're always competing against your twin. And it's an interesting concept because we talk about it on the podcast all the time that

comparison is the thief of joy, but you've literally grown up with somebody who's basically cut paste of you I'm assuming and watching them flourish might not be the easiest thing to do so can you talk us through what that's like and why that's the case because I feel like I've got some choice words for you to stop doing that after this yeah so literally when I was a kid obviously we went to the same primary school we had all the same friends you know just typical Sydney suburb so it was like from the get-go and I think it's just our personalities and the family we grew up in just super competitive whether it came to like just extracurricular activities or school grades usually school grades when we were school age that was the main thing oh my gosh I just had a

very bad memory of school actually in our HSC so year 12 dad put together this is probably where some of my issues come from dad put together a payment scheme depending on what ATAR you got she's probably not the best thing you could do for like a young oh the pressure no dads i know so we both ended up splitting from our regular high schools which didn't solve a lot of issues because then we weren't constantly competing against each other at school and obviously we're quite academic so she went to our local selective school i went to one out west and my school actually ranked better so we played the hsc game a little bit and i obviously got better marks probably well I did well in some of my very well in some of my subjects but I probably got a lot

of good my ATAR in general was better just because of the school I went to because it was ranked higher so I think everyone pulled my marks up so in that case my sister probably got 10 points below me I think it ended up being and I don't even think she made it technically onto dad's scheme which was just awkward in general so he literally for every mark he had a different amount of money that he would pay us if we got that mark or if it was over like 99 he would buy us a new car which we both didn't achieve but it's just a lot of pressure growing up obviously so that's my I mean that fits into my money story as well yeah dad we need to sit down and talk about toxic behavior we really need to have a chat I'll talk to him later I know I mean I've done this with my

psychologist multiple times as well and she's like that's that's not normal and I'm like oh I'm wear it now that's a lot I'm so sorry that was your experience HSE or year 11 12 but at least I I can look back and laugh at it now because I was like I know it's it's not like that yeah but if you don't laugh you'll cry so I feel like that circumstance like HSE and year 11 12 are just such traumatic periods of time as it is like you are a teenager still you're a hormonal you're putting so much pressure on yourself to pick a career and how on earth would you know what career you want to do if you're still a child like you don't know what these things are so I just I'm sorry that was your experience but talk to me about comparison as an adult because I feel like as an

adult like you are you and that is special and you know you've said that you feel like a bit behind from everybody else but I just want to know how we can move you away from this or what other twins are thinking in these circumstances so like i said my sister well now she's in london as a paramedic and she's making very good money especially because they get a lot of overtime whereas i spent more than twice the amount of time at uni i'm very dependent on my parents at that time and to get literally to get by like i said i really don't have any savings at the moment because of all the debts that i have but i can't help that so it's just it gets very awkward when she's like come and meet me in Greece and I'm like come on we've got money and then she's

like I'll pay for you and I was like but then I'll owe you like five thousand dollars and I was like I just don't have the money to pay that back and I don't want to do that to her either and then and then I've got obviously I've got my friends that are all majority of my friends are teachers and nurses so they came out of uni at a very similar time to her and they're all pretty well the stage where I think half of my girl group has bought a house now and then probably half of them now are getting engaged some of them have babies and I'm obviously at a very very different time point in my life to them at the moment of course it's obviously very difficult when they're talking about buying houses and I was like I love all listening to all this stuff I listen to podcasts

and I love reading I just love finance things in general but I'm just know that's going to be like a good 10 years before I'm in that position. Yeah. And do you know what? That's okay. And I think that that is a really hard position to be in because in a way you might assume or feel that you all had exactly the same start point because you all graduated from the same place and kind of have been friends. I'm assuming that economically you probably have very similar families and backgrounds and experiences. So that can make us feel really behind. But I guarantee you there are people listening to your story right now going, my gosh, she's so far ahead. Oh my gosh, she went to uni for seven years. Like that's crazy. You mentioned before that you're going to go on

international externships. Like, are you kidding? That is the dream. Like you are going to be absolutely flying ahead of them in years to come. Cause don't forget as a vet, as much as you don't start at a high salary, there is absolutely so much opportunity in the future. And it's not necessarily about how much money you earn, but rather how happy you are. And it's very, very hard to be a happy human being if you're consistently looking at the happiness of other people and going, oh, I can't be happy because I don't have what they have. I think it's about a little bit more self-gratitude and looking internally and going, oh my gosh, I'm actually a really cool human. Like I paid off $70,000 worth of my health debt on my own. I killed it. Like,

babe, that's more than a house deposit for most people. Like you, you are a very cool human doing very very cool things and I think you're giving yourself a little bit too much undue pressure and I think the big thing is like like because my friends all listen to the podcast as well and so we all like we literally all listen to it and so we have these conversations and we talk very openly and I'll I'll obviously openly express being like I'm very freaking broke at the moment just with the debt that I have to pay off but then they'll all obviously turn around and be like doctor yeah you're a doctor like that's crazy but I don't look at it like that obviously so but they then they sort of you know put me in my place but you're actually doing you know big

things and residency is very hard to get especially in the early stages of your career so I'm doing I am doing well but it's just hard to obviously force myself to think like that yeah and I think that you know going back to you saying that you're doing my budget and cash flow masterclass I think that maybe go back to that and go reset all your values and your goals and maybe pop some blinkers on and just focus on that and what you're up to and maybe put in place not only a plan to achieve that but a plan to celebrate the small things like what are you going to do when you pay off your four thousand dollars worth of credit card debt like are you going to celebrate like are you going to you know give yourself a pat on the back what does that look like because as much as you

feel like these are small things when quote other people are doing better bigger things and half your friends group has a house already. Like these things are actually massive. Like these things are huge deals and we need to celebrate them because it is really impressive. It is really important. And I just can't wait to see you in three, five, 10 years, absolutely killing it going, Victoria, I don't know what I was talking about. Like I am a doctor. I am doing this stuff. I've done international externships. And like, that is very cool. Like before I leave you though I want to know when you get back from your international externships like what kind of jobs will you be able to take on and do and what does that actually look like for you so I've got

a nice little timeline see she's got a plan she's probably got a spreadsheet mate I found a six-year contract so it's all rooted in there we're stuck in the same place but so I do my residency in that residency I do my externship and what I do is I complete it and I'm a registrar for a few years and i do lots like lots of study lots and lots extra study sit my fellowship exams and once i finish that so that's in about five to six years i'll probably sit my fellowship exams when i'm accepted to the college i'm going to be a small animal internal medicine specialist wow i'm lucky because i've got some supervisors that are very keen on my ideas i actually want to be a geriatrician for animals which isn't a thing yet but i feel like in the future it needs to be a

because we do it in people. Why wouldn't we do it in animals, especially when we can keep them alive longer? So five to six years, hopefully one of Australia's first geriatricians for old doggos. That's the plan. Oh my gosh, that is so wholesome and so special. But also look at that career trajectory. Like that is so cool to have that clarity. I need you to give yourself a little bit more credit, my friend. Like I feel like you are not giving yourself nearly enough. Yeah, I feel like sometimes I just need to step back and be like, you know what? I've actually, I have achieved a lot in 27 years. You absolutely have.

I'm so impressed by you and so proud of what you've done already and cannot wait to see where you're going. Oh, I wish we had more time to keep talking. But my love, I think that that is all we have time for today. So thank you so much for coming on the show and sharing your story and being a part of our little family here at She's On The Money. I am honestly so grateful and so in awe of you. Thank you so much.

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