She's On The Money - MONEY DIARIES: From Broke to Baller!

Episode Date: December 31, 2023

Happy new year! If you need a motivating story, this incredible Money Diarist is sure to be it. She came to Australia from Brazil 5 years ago as a student. Even though she worked around the clock on cruise ships, she only had $1000 in her pocket when she arrived. While studying, she hustled hard on air tasker, sacrificing and saving. She has finally made her way up the pay brackets and is making +180k a year working in mining! We can't wait for you to meet her.  Use the code Pod50 - for $50 off The Money Masterclass 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, Kernai, Wolperi and Awadjeri 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 Awadjeri 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. Welcome back to another one of our money diaries where we get to talk with one of our incredible She's On The Money community members all about their money story. Let's jump straight into it because this week I got a message and it sounded exactly like this. Hi, Victoria. I came to Australia from Brazil five years ago as a student with $1,000 and now I make $180,000 a year plus working in mining. From working on a cruise ship to doing Air Tasker, I have sacrificed and saved and I have finally made my way up the pay brackets. I love She's On The Money and cannot

wait to share my can-do story with you. Ah, Money Daris, I can't wait to hear your can-do story either. Are you joking? From doing Air Tasker to earning 180 grand a year? Are you kidding? Yes, yes. Looking back, I cannot even believe that I lived so many lives. I worked in so many things and now I'm here having a leadership position in a very male-dominated industry and like just thriving. Queen, absolute queen behavior. I love to see it. Let's get into it because I am very excited. It's a very inspirational story. Let's start the way I always start. Money Diaries, tell me, if I asked you to give yourself a money grade from A through to F, what would that grade be?

I think I would be a grade B because I think I'm good at savings, but I also, like, I'm a Taurus, so I think I like to indulge myself into good things. Oh, yeah, yeah, yeah. That's going to get you. Yeah, especially traveling. so I travel a lot so I could be better at savings but I think I'm pretty good at it. Yeah look I'm a Cancerian so it's like my way or the highway if I want a little treaty treat I obviously deserve a little treaty treat for doing nothing so like that's absolutely fine. Let's get

into it though you moved here five years ago from Brazil tell me more about your money story. Yes. So when I was living in Brazil, I'm a mechanical engineer. So I studied mechanical engineering. And from the beginning, my dad always said, you have to have a spreadsheet. Have a spreadsheet for everything. He's a genius. Man after my iron heart. He's like, I won't give you one cent if you don't show me that you are doing a spreadsheet and everything. And then I was like, oh my God, this is so annoying. This was actually the worst. I was like, no, this can't be true. I can't do this for the rest of my life. But I eventually got into it. I never saved any money. I was not good with money. I absolutely didn't have any money. I graduated and with zero savings, but then I was an adult and in real life and I had to find

a job and I couldn't find a job at all. I had a mechanical engineering degree. I knew how to speak English. I had done internships, but I couldn't find a job. That's crazy. Yeah. Especially because you were so talented and the fact that you speak honestly such clear English. I mean, you've been here for five years but I'm sure that you've been able to speak English for longer than that it's just like wow like that's such especially where you're from like that's so valuable yes it should be and I graduated from a good university and with an engineering degree and I couldn't find a job and then that got me I spent like six months applying and because I live in a remote part of Brazil I had to travel for job interviews oh my gosh and then it was very heartbreaking for me

I was gonna say was that really disheartening were you just really upset because I would have just been like I've tried so hard and I just feel like I'm getting nowhere I got nowhere I was so heartbroken it was at a point of my life I was like I just was lying in bed and I was like what's the point? What's the point? And then I just decided to get a job. I said, I'm going to get a job anywhere they want me to get a job, like anywhere they accept me. And then I got a job in a cruise ship. Oh, cool. I feel like I love this work ethic. You're like, no, I'm not going to lay in bed. I don't care. I'm just going to take any job. You just applied for a job on a cruise ship one day yes because my friend said that uh I had a friend an online friend and he said I think that

if you get a job in a cruise ship it'll give you a resilience yeah yes and then he said I think that will be a very good girl opportunity for you and then I applied for it and then they are like they literally take anyone that can speak English so I mean all right well we've we've got a job 10 out of 10 yes so I got a job and then my parents were not very happy because they were like you were an engineer because I can't get a job as an engineer mom that's why so I went to the cruise ship and in this cruise ship I worked for six months and let me tell you they don't have any days off like no days off no not a single day off you have to work every day for six months and you only get paid like 500 US dollars.

Wait, like a week or a month or? A month. No, absolutely not. You're going to get paid that a month. And plus, because I was a salesperson, I was getting commission. So if I sold things. I'd buy stuff from you. So did you make lots of commissions?

No, in total, I would get in between 700 US dollars and a thousand US dollars per month for six months. But it was working 12-hour days or more. Oh, my gosh. Did you enjoy this experience or is that something you're like, I really want to be an engineer now? I felt like it was a great experience because one day one lady told me, oh, I used to work like you did before.

And the best thing about this is you're never going to have a worse job ever. The audacity. I love that. so you can only go up from here babe it can only go up from here you can only go up and then I thought it was very inspiring actually because no matter how bad like I'm feeling about my other jobs I'm like I've been through worse yeah fair fair yes but I got to travel it was very fun it was a little bit tiring because you work for eight hours and then you will have a chance to travel you were in Barcelona but you were like oh my god I'm so tired I need a nap yeah yes but I

saved a lot I saved like three thousand US dollars I didn't spend oh my gosh yeah I like I think it's just something changing my brain and I was really focused to come to Australia because I thought that Australia would be a good place to restart have fresh light yeah to have a fresh start and I had saved those three thousand dollars it costed me maybe like five thousand dollars to come to Australia I know my dad helped me uh with a little bit more money and then he said okay now I have to go and then when I arrived here I had very little money like almost nothing I told you like a thousand dollars two thousand dollars which in this economy doesn't stretched that far right now and I had to pay for bond I was living in a room with two other girls

like yeah wow my house had I think like my people what and you're all sharing rooms all sharing rooms there was a guy living the couch uh it was crowded but I think it's a lot of international students come here and they they experience the same yeah so I was here and then I had six months because I I wasn't studying English I already knew how to speak English I was studying a certificate in project management smart and I started looking for jobs and it was I thought it was like I'm gonna get into the country I know how to speak English it'll be so easy it wasn't easy no oh my god it wasn't easy like as easy as I thought now that I when I think about it was easier because i could speak english but when you're living the moment you're feeling like

oh my god overwhelmed overwhelmed i'm in this new country i don't know anyone i'm living in this room with these two other girls who i've never met before and i don't have a lot of money so i had to find find money so i signed up for air tester because the other uh people that lived with me they told me about it. And in this Airtasker, because I didn't have any experience, no one was hiring me. No one booked you. Oh no. I'm guilty of that. Honestly, whenever I'm booking an Airtasker, I'm always like, I really want this job done. But like, obviously it's people I've never met before. So I literally just go, oh, they've got some good reviews. All right, I'll book them. Oh, that makes me want to book people who don't have any reviews.

It happens. Sorry. Sorry. That was me. It happens, but because I will do that too. Like I will hire someone who has experience, but then I just decided I created a great profile. I put some pictures so everyone could see like, I'm smiley. I'm happy. A nice lady. Yeah. Yeah. Like if I met you, I'd book you immediately. That's okay. Yes. And then I noticed that if I got into the app at like 6am or 7am, some people were posting jobs and no one was there to apply and then I was like getting them because I was a faster like the fastest yes smart woman she's speedy it's speedy it was all about speed and then I started growing and I did so many jobs like cleaning jobs I did handing pamphlets on

streets I got some flowers for a guy to propose to his partner oh that's so wholesome yes and I had like many, many, many opportunities. It was a jumpstart and it gave me a boost of confidence that I was really needing at the moment. I just started to have a goal to make like a thousand dollars per week. And I was like, this is so impossible. I will never make a thousand dollars per week. Did you do it? Yes. Oh my gosh. A thousand dollars a week on AirTasker. Yes. I was doing everything. And then because I was doing a lot of cleaning jobs and I didn't have vacuum cleaner I used to get the vacuum cleaner behind my flatmate's back because they couldn't see that I was taking the vacuum cleaner and I was taking the vacuum cleaner on the public transport

to clean other people's houses I love you you're the best not the hustle is real get it clean I know I applied for another and then I applied for another job who was promo promotions it's they give you a stand and they make you go to supermarkets like you go to Woolies you go to calls and you have to do sampling so you have to give some people do you want a cheese do you want to try this cheese do you want to try this yogurt I told them that I had a car but I didn't have a car I remember just for the money and I was getting those standards and big big big like the setups setups public transport and I would go to so many places it was insane you're crazy but I love it and I also like mad respect for the hustle like there seems to be I don't know this

underlying like you know people come in from international and they take our jobs like how many people actually have the resilience and the drive to do the jobs that you have done like I love it you deserve everything that comes your way like that is the best ever that's how I was very focused on staying here because I love the country I fell in love it was so nice I was like I'm leaving here I saved money to go to a migration lawyer and then he said I was like I'm an engineer I can stay here my skill is in high demand and he said oh I think I don't think uh because you have no experience in engineering it's not very likely that you migrate so you have to get married and I was like what no let's get a new lawyer let's let's not talk to him he sounds

like a bit of a fluff Muppet I was like why no no way and then I thought I eventually I talked to someone else and they're like no we're gonna have this plan for you and you're going to study civil engineering a diploma you're going to do a diploma you're gonna graduate and then you're gonna have a graduate visa and it will be allowed to follow your path and I was like yes this is path I'm going. And I arrived here in February 2018. And by June 2018, I had saved $3,000 for visa costs. Oh my gosh. Good work. The hustle was real. I bet you didn't want to separate with that too quickly. No, but I was like, I can do this. I'm saving so much money. this country is amazing it will get better and then I did I studied I paid for my course because

when you're an international student you have to pay as you go you don't have like hacks or you can get a loan and I paid for everything and I didn't go out I was living in Brisbane and people ask me oh how about the restaurants in Brisbane you're like I don't know about restaurants in Brisbane. I'm saving. I don't know. I haven't bought clothes, nothing. I was just saving, saving and studying, saving and studying, saving and studying. And then at the end of it, I have like $4,000 in savings and I decided to go to Japan. I was going to 30 and then I was freaked out. You were like, I've got to do something big. I was having a crisis. I was like, I'm 30. I have to do something. I'm going to Japan. I was in Japan and I was living my best

life I love this I love this I thought I'm going back to Australia and I'm working as I work and I'm saving this money back it'll be fine exactly it wasn't it was March 2020 oh no that's the worst you got kicked while you were down it was March 2020 I mean at least you squeezed a holiday in before the world locked down strategic I like it yes and I had to come back because my boss was calling me and he was like is that different borders are gonna close you have to come you you need to come back otherwise you're never coming back never coming I was never going coming back because the country stayed closed for two years it was yes crazy I came back and I couldn't find a job because I worked with hospitality I worked with international students

and that's how I paid my course too because I got a job in this student agency and they had a discount so it was much easier because I had like a 30 40 percent discount on my course which was a very good money saving yeah money win yeah money win yes 2020 happened and then I just concentrated and finished my studies studying a lot I had some jobs but it wasn't something like real and then I decided I only wanted to work as an engineer it was very hard I offered to do an internship for free where I went from Brisbane to Gold Coast on a train I had no money and I was having even less money because it cost like ten dollars the round trip from as a student and I was like is this the right choice it wasn't really the right choice because I stayed there for one

month and they told me I sucked but basically I'm not really good at apparently at drafting I tried again I did everything like seriously I'm so proud of you are you proud of yourself I bet you're proud of yourself you have to be after all this I am because I paid for a company they spend your resume that's how desperate I was I don't recommend this to anyone because this is so bad and desperate but I was desperate I was desperate I was like I have to do something you knew what you wanted I had to try I like I already had to know so I spent my resume in one company they called me and I worked there for one month but the guy said oh you're you don't know how to do this so I'm not paying you and I'm like oh fair fair I don't like you either so

oh no finally in November 2020 I had a friend and she said oh my friend has a vacancy in her company and you should apply and she sent me the vacancy and it was for a civil engineer with five years of experience and i was like oh but i'm a mechanical engineer with zero years of experience and she said oh that sounds different but i applied anyway give it a crack it was covid it was crazy times and then some guy called me and he was like oh are you interested to to move to the outback australia and live in this mining town and we'll give you a job and i was like, absolutely, I'm going. Of course, I'm down for anything at this point. I'm down for anything. And he said, how long will it take you to come here? And I said, one week. Oh my gosh. He would

have been like, that's crazy. Yes. Hired immediately. In retrospect, when I'm thinking about it, I think, oh, I just said yes to this random guy. I don't know, to go to Outback Australia. That's a little bit dangerous. That's a little bit questionable, but we're not going to, you're you're safe and fine now so let's not talk too much about that so it worked out fine I went there and they had me on a salary of 54 000 a year and for me it was great I was like this is great I loved it I have an income now after a year of not having an income but I was working like 60 hours a week and then I did a math and I was like oh this is like a teenager working at McDonald's would make more money than I am and then I was like oh this is not good

but like one month later they were like oh we are making uh it really good so we are giving you a raise and you are making now $75,000 a year what from $54,000 to $75,000 is a massive jump yes that's why I was like oh my god oh my gosh much money I was so impressed but I was living in the desert in a city with 6 000 people they have two pubs and I was there all by myself again in the city where I knew and I didn't know anyone but I was making more money than I could ever imagine I was going to make and then everything happened I got invited to apply for my permanent residency and I told them no I can't live here anymore there's nothing to do in this town I'm not a big drinker that's the only thing that people do in here yeah I can't I'm gonna leave

and then they said oh what if we labor hire you as an engineer to another company and give you $50 an hour you're like wait what why wasn't that an option at the start yes I was like okay so I'm working for 12 hours and $50 an hour that's so much money of course I said yes I said yes and then I started working for this this new company as a labor hire in August 2021 so in six months I was like I seek seven again seven eight months I went from being a student and making $54,000 and to being a permanent resident and making $50 an hour. Oh my gosh. And you thought you'd peaked there, didn't you? Yes. I was like, oh my God, this is so good. So good. So good. I was so happy. I was not so happy

because it's a very demanding job too. Very long hours. I started working at 5am, but then I continuing this company and then they asked me to join the other company i was being labor hired and they decided oh i'm gonna pay you 60 an hour and i was like yes please yes please yes yes it was great i had like really good bosses who was they were always looking after me and they were like oh i'm gonna help you to negotiate your salary he was the one who like don't take less than 60 dollars an hour as for 60 x for 60 you're gonna get it and that was um really good for me because I was like feeling really proud of myself because I had people behind like who were helping me and eventually this boss of mine he retired and I started working there in August in December

he wrote a letter to his boss and said I'm going to retire and I want to be in my place oh my gosh what uh-huh and I was like are you sure because you have been doing this for like 35 years and I'm not 35 years of age no you don't even look 30 so that's a money win for everybody involved yes and I was like are you sure and he's like no I'm sure you are really good you're really good you need more of course I'll guide you through it because you you need experience but you won't only get experience by doing it like and i want to give you this opportunity and um he retired in april 2022 and i started working in his position oh my gosh and that's how you got to earn 180 thousand dollars uh yes because and then no i worked there they didn't give me any raises and

then i asked them i was like uh i've been working in this role for like five months and i didn't get a raise or a letter saying I'm in this role. I'm just getting pushed into meetings and ask for things. Oh yeah. That's not cool. No, no. And I asked for it and then I said, oh, I'm going to see what I'm going to do. And then he offered me $75 an hour. Oh my gosh. And now she's rolling in it. I cannot believe it. Yes. I'm so proud of you. So tell me now, what's your job description and your salary package? So I'm a quality manager. Yeah. And I get a flat rate, which is 75 an hour. I do 12 hour days. So it adds up and yeah, plus super, superannuation. And that's what I make. Yeah. Money win. And that comes out at 180 grand plus a year, depending on how many hours you do.

Uh-huh. Yeah. So tell me, you are a hustler at heart, like you are a very good saver. What are you now saving for? What's your big money goal? I'm saving to buy a house. Yes. Are you going to live here forever? I will live here forever. I'm a sitter now and then I'm going to live here forever. So I'm trying to buy a house right now. I have everything saved, but money-wise, I never made any big purchases. Yeah, I was going to say, you need a good mortgage broker. I've heard Zella Money are fantastic if anybody needs the best mortgage brokers in the business but it's scary isn't it when especially when you go from not having a lot and having to work so hard for every single dollar to then being in a position where you're earning a lot more do you feel like

it can be kind of ripped away from you because I feel like a lot of people in your position that I talk to often like uh what if it doesn't last yes I feel that a lot I don't do big purchases I never bought a car because I think that's a lot of money I don't need that I can live without it and because it's everything it's so recent and it changed so much and so fast I often feel some conscience like oh is this gonna last we know it is you're a hustler you're not going anywhere yeah that's when I was thinking about this and how far I came and how I had to restart again so many times, like COVID and I made it. I feel like I'll be, I'll be, I think I'll be all right. I'll be all right. You'll be absolutely fine. I'm so proud of you. Does it sometimes make you

remember back to that time when you were in Brazil, laying in your bed going, is this even worth it? Like, I feel like so many of us have been in that position where we're like, this isn't worth it. Nothing's working out. And then like a few years down the track, look at you killing it. Yes. And I also, I wanted to share my story because some people are like, oh, I see a lot in the group where people are like, oh, I'm 25 and I don't have a house. Oh, I'm going to die. Yeah, I know. It's dramatic, isn't it? And you're like, that doesn't matter. That doesn't matter. You can start again and try. I never thought about this as being, oh, I'm so brave until everyone was pointing out, oh, you're so brave. You're so brave. And I was

like okay actually maybe it is and yeah just everyone you can do it too. I feel like it's interesting when people use the word brave right like please don't get me wrong I would love to be labeled brave like being brave is very very impressive however I feel like sometimes you get labeled brave when you're just doing what you feel like you have to do in the moment you're like I'm not being brave I just need to live life and I just need money and I need to put food on the table and arguably that's not that brave but I think it's it's more about being honest with ourselves like so many people give up and to get up every single day and just do what you need to do and carry you know whole sampling setups on trams and trains and you know not having a car

like that's brave that is brave like lots of people wouldn't do what you did and I think that's why we default to this idea of oh my gosh that's so brave and that's actually them saying I would never do what you did I don't have that tenacity and so you kind of go yeah I do though yes I do I did and I feel like especially in this immigrant community there are a lot of people here who are by themselves but they only see people who have partners thriving because it's easier when you have someone to be your financial and emotional support and I think it's good to spread this message that you can do it on your own too I was not alone like people are like you're doing all by yourself and I'm like no I had friends and my friends and then the family and my friends helped

me so much they were like always supporting me and saying you can do this you are amazing they gave me a lot of support so yeah everyone can do it I think so no I'm obsessed I'm obsessed let's go to a really quick break. On the flip side, I have a few more questions for you. So guys, don't go anywhere. All right, Money Diarist, we are back and your story is incredible. But I want to know, do you have any investments? If so, what are they? If not, do you have plans? I do have investments. Of course you do. I went to a financial advisor. Oh, you queen. Yes, It's because I'm a planner, you are, right? I mean, your dad instilled in you that you had to have a spreadsheet,

so I'm not surprised. I have $10,000 in shares. No, you don't. Yeah. Oh, my gosh. I love this for you. Uh-huh. So I saved $70,000.

No, you didn't. No, you didn't. Yes. So you came to Australia with like $1,000 and did Air Tasker tasks, and now you are earning $180 plus, plus super. you have 10 grand in shares and you've saved 70 grand yes you're a queen sometimes I think oh for the amount of money I make I could be saving more but I think I did really well with my savings because I travel a lot this year I went to Europe I went to Bali I went to Thailand oh my gosh and

you've still got 70 grand in savings yes oh my gosh all right well we need to take all of our tips and tricks from you. I love this so much. Do you have any debt? No. No debt and never been in debt. You've always just been a hustler. No, I had like a credit card to buy my MacBook and it was like $2,000 and that was it. I don't have any credit card debts, loans or car repayments and I don't have a mortgage yet. Yet, but that will be good debt when that happens. Yes, when when it happens, it will be good. But at the moment, I don't have anything, just my investment. So tell me, I feel like we have so much to learn from you. What is your best money habit? My best money habit at the moment is the thing that at the beginning of the year,

I didn't have a lot of savings. Wait, so you've done most of this $70,000 in the last 12 months? Yes. You're crazy. I love it. It's because after I got my job and then I just went crazy. I was like, oh my god you know when you are on a diet and then you stop dieting and you're overeating you're like i can go out to a restaurant now yes the thing that helped me a lot was getting paid in a different account so i opened this account i started getting paid in that account that i don't

see and then from these accounts i get my expenses that i planned and i pay myself weekly and i have to use only that money and that helped me a lot not to just just just see money in my bank account be like oh I can't afford another t-shirt yeah fair I am guilty of that that's why I had to like create my budget and cash flow like spending plan because if I didn't do that I would have just spent whatever was in my account I'd be like well it's there for me I told you before I'm a cancerian I deserve a little treaty treat I have to have all my stuff taken off me yes and you were like oh what is a hundred hundred dollars it won't matter I have so much yes it matters it matters it matters so much it matters so much and another thing that I think it really helped me is I had a lady who

does consulting for your wardrobe so she would see your clothes and she she's a personal shopper and she I was buying a lot of because I grew so much I was not seeing myself in my clothes And I was buying random clothes that didn't suit me, were not my style, just because they were cheap or, and she, she helped me into only buy what I really need. And that helped me not buy a lot. I love this. So you've gone from being like a broke Brazilian student with a thousand dollars to being a baller who owns 180, who's very, very well-dressed.

I love this. Look at you go. Now you're just like a fashion queen. Uh-huh. And now I also, I make more, I'm more conscious about what I buy. So sometimes I have a, I see something on TikTok like, oh, I have to buy this foundation because it makes your skin glow. And then I'm like, I have to buy this.

It's only $60. It won't affect me too much. And then I wait. I save this in my Pinterest wishlist. Yes. And I think about it for a while and then I forget about it. Yeah, no, that's me. I forget about it.

if I don't buy it in the moment, I've already forgotten about it. And sometimes I do buy it in the moment and then I forget about it and then it arrives in my house and I'm like, why did I buy that? Free gift. Why did I do that? I should have thought about this more. Aren't I meant to be the person that runs She's On The Money? Like I should be better at money. Yes. So would that lean into your worst money habit? What is your worst money habit, my love? My worst money habit, there are two, which is traveling. I do like my travel. That's not a bad money habit. No, I love that. that's a good money habit I'm not letting that be a bad money habit that that's life experiences I'm not very stingy with my money so I try to help my friends and I give them money which is

it's a bad thing for my finances but it's a good thing for them but it's also a good thing you sound like a such a wholesome human being like you are so generous and kind like is that not nice yeah it's nice it's bad for my money but I have some friends because I can't count on my my parents to give me this money support like if I'm struggling I know if I ask them they will help me and I know that a lot of people don't have this and I feel I'm not letting that be a bad money habit I know absolutely not it's too kind yes I feel like it could be a bad money habit but like let's reframe it does that make you feel good like does it make you feel like you're supporting your friends and like your community and like I feel like that's a good money habit like I feel

like more people should give and if it's supporting those that you already know and love like is that not great yeah I think it is it's just if I can help just because lots of other people don't do it doesn't make it a bad money habit for you to do it yes it's it's the these two were the the two things that I spend most of my money in things that I shouldn't supposed to yeah and sometimes you know the occasional shopping and you're like oh yeah it's a lipstick oh I'm I'm so obsessed with like lip tints at the moment because of TikTok. Like I'm seeing all these girls on TikTok with beautiful lip tints and I don't own one lip tint yet, but I know I need to. And I have this like list in my phone of all these like lip tint companies. And usually they're like

Korean brands. So now I've got to find a way to buy them, but I want to try them first. Anyway, it's very, very complex, but I totally get it. Yes, it is. It is complex. I can't agree with you though that that's a bad money habit yeah like that's the bad money habit and I think I do I should invest more but because of the country I came from the economic situation is not as good as in Australia there's not as stable as in here but when they asked me oh we have to do see your investor profile and I'm like I'm very conservative conservative yeah I'm not surprised I'm not surprised they're like you cannot be conservative I'm like this is the only part of my life I'm conservative. But this is my money story. This is how I've grown up. Yeah, I think it's because of

where I came from. But those are goals for the future. Those are goals like investing more is a goal. It's not a letdown, right? Like that's something that we can do, not something that we crucify ourselves for not doing already, right? I bought the book that she's on the money investment. Oh my gosh, thank you. That is so kind. All right. So your money story is crazy. You arrived from Brazil five years ago, hustled your way up to $180,000. You've got some good money habits. You have saved $70,000 despite traveling and you have 10 grand in shares because you were smart enough to see a financial advisor and get those ducks in a row. You're planning on buying a house, literally hustled more than anyone I have met in the recent times. You think that your worst money

habits is being too nice to your friends. And at the start of this episode, you said, My money grade, I think is a B. Okay. I'm not going to argue with you, but what would it take to get to an A or an A plus? I think if I went back to what my dad said about spreadsheets. I can help you there. I can help you there. I have a very good one. I'll gift you our money masterclass and then you can go through all of that and it will sort you out. And then automatically, I think that makes you an A plus. Yes. That'd be great. Thank you. Oh my gosh, of course. I am so proud of you already. And I do genuinely think if you're feeling a bit, what I'm getting from this story is that you're just feeling a bit like

I'm doing what I think I need to do, but you don't actually have like a solid plan or you didn't listen to your dad and spreadsheet enough. But I feel like you don't have enough of a like solid, like, no, this is my cashflow. This is where this goes. This is what this goal is working towards. Like, I think we need that like money system to make us, I guess, feel really empowered. So it's not necessarily about going, oh, well, I have money coming in and I put it in my savings full stop. It's kind of like, well, actually my cashflow system takes into consideration that I have these savings goals for travel, this savings goal for the future house I want to buy, this savings goal for maybe a car or something that you want to achieve in the future.

And every single time you look at it, you go, no, I'm working towards my goals. I'm saving, I'm investing. Like it just makes you, it's a lot more visible, right? And it means that you feel like you're on track because right now i'm sure if you talk to your financial advisor they'd be like money daris you're fine but that's not how you feel if you don't have a plan right no it's when you go to see a financial advisor i think it's very broad what they present to you and it's just like seeing a mortgage broker they're like oh you have to choose a suburb you like and i'm like are you kidding me there are how many 20 000 suburbs in australia how am i supposed to narrow it down to five yeah that's fair based on what yeah i think you need to just create a plan so

i'm gonna set you up with that which i'm really excited about if anyone's listening and actually wants to set themselves up with that use the discount code pod50 so pod 50 and it'll give you 50 bucks off we'll make sure that the link to that is in the show notes as well but money diarist I'm so proud of you I just want to be your best friend so next time you're in Melbourne we're going to go out for a drink but thank you so much for sharing this story with our community I know they're gonna love it I know they're gonna be as obsessed with you as I am but it's really special that you wanted to share this hi thank you I love the show and I'm so happy to share and I like one of my goals is to empower other women you're doing that you're winning uh so I

I want them, if anyone wants to talk to me about being on mining and developing your career there, I'm always up to it and I'm in the group. Oh, my gosh, I love that. All right, well, if anyone wants to talk to our money diarist, shoot me a message and I'll hook the two of you up. All right, thank you. 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 MoneySherpa PTY LTD ABN 321 649 27708 AFSL 451 289. Thanks for watching!