She's On The Money - MONEY DIARIES: From Young & Broke to Beauty Industry Best Life!

Episode Date: February 25, 2024

She was a broke,18 year old mum living on Centrelink, all until she discovered the beauty industry. Now she owns an investment property with a flexible career a full schedule nail technician and her family is thriving! Hear about her journey on today's episode. 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 Diary episodes where I get the absolute privilege of talking to one of our beautiful She's On The Money community members all about their journey. Let's jump straight in because I got a message this week and it went like this. Hi V, I was broke, a mum at 18, living on Centrelink until I discovered the beauty industry. Now I'm a landlord, a full schedule nail technician, and the kids are thriving. That's the best.

Like that's so short, so sweet, so straight to the point. I need to know so much more about this. But before we get there, money diarist, what would you give your money habits if I asked you to give them a grade from A through to F? I've been thinking about it. I like to think I'm a solid B. I'm definitely on an A. I think everybody has faults.

I have a good relationship with money. I don't feel like I have to spend it. I don't feel like I need to have the latest thing or the coolest thing. So I like to give myself a B. All right. Let's start with a B. But now my favorite question of all time. I want to know more about your money story. Can you open up? Yeah, definitely. So we were freshly 18 when we fell pregnant. We were only together for three months. And obviously that threw a spanner in the works for everyone we had plans and obviously all the plans went to out the window rubbish three months that would have been a shock were you like oh I think you know it is what it is but it was the best thing that happened for us I reckon and we talk about all the time we would

never have it any other way but I also think we wouldn't be who we are today if we didn't fall pregnant at such a young age because it pushed us to achieve better I love that so much because I think that so many people when they find out they're pregnant really young and it was completely unexpected they just immediately assume it's going to ruin their lives and you're like no no no it made mine so much better definitely yeah well we freaked out at the start we were like oh what are we going to do like we were still living at home at this point like just in a little bedroom in a family home and yeah we quickly were like okay well something has to change so we moved out and obviously moving out at 18 was a struggle so I was just on Centrelink after I you know finished

with working when I like went on mat leave which I was just working in a cafe so it was nothing special it paid the bills and that's all and my partner was kind of just doing whatever he could get his hands on to earn the money and yeah we struggled for a long time like just trying to cover the rent I think honestly our outgoings were probably more than our incoming so yeah it was a really, really hard time. Babies are expensive. Yeah, definitely. And also you just, I think at that age, especially being pregnant, you're trying to prove something as well. So you're trying to also show everyone that you can do it, that you're not struggling and that, you know, we didn't want to be like, oh, we really need help. Like we can't afford this or we can't afford that. We would just

do it. And like, you know, say our family or something wanted us to do something that we couldn't afford. We would just do it rather than being like, sorry, we can't afford that. We're not going to join in or something. So we always struggled and we always found it really hard to come to terms with actually, no, we can't afford this and let's figure out another way to achieve it. But yeah, for ages we struggled and we just kind of like made ends meet. And then we had our son at 19. Did you plan to have a second baby or was that something that was like, oh, another surprise? Well, when our son turned one, we were kind of like, oh, we want another one. Like we wanted to have a friend so our daughter was planned. I only ask not because I'm trying to

be pervy and be like oh did you have an accident twice it's more like I feel like I've met so many people that have babies young and then they have the first one and go do you know what let's just whack out a couple more while we're here like we're in baby mode like we've got all this stuff we know we want multiple kids like and it kind of just makes sense. Yeah well just with having our son super young we were like we don't want a massive age gap we don't want to be older like we really just wanted to be young parents and smashed out young. My mum was a young mum she had me at 22 and like we're best friends now so like I'm 25 and she's 48 maybe I don't know but like we're just besties so I wanted that as well even though it was going to be a struggle. I love

it and as somebody who's currently very very pregnant and 32 I just wish I was a little bit younger in hindsight. Yeah I think you know it happens whenever you're ready and I think no matter what age you are or where you are, it's going to happen and it's going to be beautiful. I'm just really tired, you know? So I look at you and I'm like, oh, that was a smart move from you, you smart cookie. Well, my sister's 28 and I say like, come on, you've got to have one soon because I'm exhausted and I'm 25. When you're in your forties and people like me are still doing daycare drop-off, you'll be like, have fun over there. I've got a margarita.

I know, I'll be living. So tell me what life looks like now. So you had two kids, obviously a struggle. That's not what life's like now though. No. So they're four and six now. We purchased a property at the start of last year in an area where that was kind of yet to boom. And then we were there for a year and we renovated and like, you know, it kind of boomed. So we've got a bit of equity now and we're actually renting the house out now. Oh, look at you. yeah so that's really exciting so that was like a goal for us we really wanted to like prove we could do it all so yeah by 25 we wanted to at least like have a property rented out and

yeah so we started actually a lease to a rental until we buy our second property which is a goal that we will hopefully achieve next year we started the rental property yesterday so oh so fresh but yeah so life now is obviously a lot better than what it was we're not struggling i mean cost of living obviously money is still always like not an issue but you want to be careful but yeah being a now technician that's why i wanted to jump on because i was like it honestly changed my life it was something i was able to do while being at home being a mom no matter what age i was i could achieve it i could do it in the benefit of my own home and it still brought in of full income. How good is that? Obviously it's a business. So you're self-employed. So it gives

you a bit of experience with like the backend and tax and all that stuff. So yeah, I was like, it's just been like a full circle kind of moment. I love it. So tell me more about this business. Were you like, one day you woke up and you're like, I could probably do nails at home or were you, you know, pre-trained in that? Like, how did you fall into this? Because as somebody who, I love doing my own nails because I literally do not have the time during the day at a reasonable hour to go and see a nail technician, but like I adore it. And I feel like having a good nail technician is like a cult. Like you find someone and you go to nobody else. And I'm sure you see this with your clients, but like good on you for finding that niche because it's a great niche to

be in, but how did you find it? So obviously like as a teenage girl, I loved getting my nails done and I loved watching like the nail tutorials on like Facebook like whatever back then we watched them on but my son was nearly one and it was like kind of time for me to return back to an income I didn't want to go back to the cafe I didn't have any other qualifications because I dropped out of high school so I didn't really follow through with anything I just went to working with whatever job would take me yeah and obviously being pregnant at 18 I didn't go through with uni or anything like that so I was like yeah what can I do that's still going to bring me money but I'm still going to be flexible so that's when I was like I wonder you know what a now business would look like

obviously you're never going to run out of clientele and they're reoccurring as well which is smart business yeah so I was like you know what's going to bring an income but like I'm not going to be like you know marketed properly you're always going to have a clientele because every single woman at some stage once their now's done or men you know so yeah I started looking at a now course and it worked out perfect because back then I don't know if they still do it now but the government offered like a cert 3 guarantee yeah so the now course that I did was a cert 3 and it was actually a few thousand but with the cert 3 guarantee because I hadn't done a prior cert 3 the government funded most of that so I think out of pocket I only paid about 500 or something like

that oh how good and it was three or four days a week so like you know I had my son at home like I just had someone come and watch him or my partner would stay home on his days off to watch him and I went and did the TAFE course I think it was like three months or four months or something yeah and then when I finished it took me a little bit to get the ball rolling because it's super nerve-wracking and you know you have people watching you while you're working it's anxiety inducing? Once I got comfortable with doing it I thought this is it like this is just what is going to work for me and I kind of just kept going with it and at that stage we were just in like a crappy little house what we could afford in a Brisbane suburb that was just getting more

and more expensive to live in so we actually had to leave that house because like it was not a very nice house to work in for clients and I was also heavily pregnant with my daughter when I decided to stop doing nails just to focus on the end of the pregnancy so I had a bit of a break I'd say for like maybe a good six months or eight months I actually stopped doing nails for and then when I got back into it I kind of came in with like a fresh mindset I changed my business name I like rebranded I bought all new stuff had a bit of money aside saved up that I like spent just all my money on and all my savings on rebranding and just hoping like it was going to pick back up again yeah yeah and I would get all new clientele again and just like pray that it worked and it did

and it worked perfect I love that and I literally haven't stopped since so that's been five years now since I picked it back up and I think I've taken like maybe two weeks off in that whole time I've just had a full schedule and it's been amazing. Yeah, wow. So tell me a bit more because obviously starting your own business is so much more than going and getting a certification and being like, cool, I can hit the ground running. Like you were just a young mum. How did you work out like all the marketing, the branding and like acquiring clients?

Like what was your, I guess, main mode of advertising? well when I first started I came in at a really good time when kind of people were still going to the shops it wasn't like popular back then to have like your own specific nail tech well I was only 19 so I didn't have my own nail tech I if I went on my nails done I would have just gone to the shops yeah and so I think I started at a really good time because the nail industry kind of boomed in between when I started to when I like finished before having my second child and then yeah people were wanting to find their own at home now technician and someone that was careful and more of like a luxurious service so when I first started marketing I would post like Facebook

marketplace ads oh cool smart well it didn't cost me anything and I think back then boosting like your posts on Instagram wasn't a thing so it was all done by Facebook marketplace and Facebook groups I think I even had gumtree ads back then yeah cool yeah just anyone I could get in I wouldn't care about, you know, who they were or like, you know, whatever. Back then it was a bit hard to get more of like an upscaled client. So I think I was charging maybe like $40 for a set of nails back then. And I would just maybe do like two a day or three a day. So it wasn't a lot of money at the very start. It took me ages to earn what I have been earning. But yeah, just to get experience, I would just post on social media. Instagram wasn't really a massive thing. I think

Instagram started picking off for me I think I maybe like had done a giveaway or something yeah and just with learning how to post photos and in the right lighting and also changing the style of nails that I did to suit like the social dynamic as well yeah so doing more like you know sets of nails that other clients would want rather than maybe what I would like yeah totally which I think is so smart because you're then playing to getting more clients and like it's so much more than just being like, hey, I do nails. And then people just come to your house. Like that's not how it works. So it's, it's a balancing act. You mentioned before, you know, I was doing like $40 nail sets. Now I'm making way more than I used to. So let's jump into the

next question. Cause I want to know, like, obviously you're a nail technician, but how much money do you actually make? Give us the juicy goss. So on a good year, it's just under 75,000. Okay. Smart. Cause she doesn't want to pay GST. I don't have a desire to be, you know, that next tax bracket. So I try to keep it under 75 K. I do offer like education and courses as well, which adds in like a nice big chunk of income as well. So that's good. I can also change like, you know, not just always working all week. I can do like a weekend course, which could make up for a full week of income, which is really, really fun. Yeah. Cool. So a good year, I like to keep it under 75k I've done a little bit of moving around we've moved up north now we're back

in Brizzy so I'd say at the moment it's probably you know 60,000 ish which this year I'm hoping to get it back to the 75k mark now that I'm back yeah in Brisbane with all my regulars yep and what does your I guess week to week look like how many hours does that take you to achieve so it's actually pretty flexible so I don't start clients until 10 a.m they're nice yeah no yeah well I'm not a morning person so I don't commit to like 9 a.m appointments before then a bit like me like if my clients saw me before 9 a.m they'd be like we do not want to work with Victoria yeah and like I've got the kids like my partner goes to work early in the morning he's out of the house at five and you know my daughter she's like me she doesn't do morning she sleeps in so it's just a

smart tactic for me to start at 10 a.m yeah and then I need to be finished before you know four ish five ish latest should like to pick up the kids and do dinner and all that stuff so it's pretty flexible at the moment I'm only doing it three days a week which is Thursday Friday Saturday I'm in a salon to do those and now that I'm at our own little space again I will be offering more days from home which will up that income as well well how good that's so nice that you can kind of like scale it up and back depending on what you want to do yeah I love it definitely I think the beauty industry in general no matter if you do nails lashes brows you know cosmetic tattooing it's so flexible like your clients will work around you and that's why I wanted to jump

on to show mums that you can do flexible work and you can be fun and you don't have to be in the grind of an office and you're earning a very good income from that like that's why I was like how much you earn and then that's why I wanted to ask about the hours because I think automatically a lot of people would have been like oh like her kids must be in daycare five days a week and she must be yeah you know hustling for that no she's living her best life now yeah I love it and you obviously love what you do because I can see how happy you are when you're talking about it as well which makes me so happy yeah well that's what I say to my clients all the time it doesn't feel like I'm at work because you know some clients will come in and they'll want something crazy

on the nails and be like, I'm so sorry it's taking so long. I say, it doesn't feel like I'm at work. Like it feels like I'm just doing a hobby. I'm having fun doing this. It's different. Yeah. And I feel like when I was seeing my nail tech, Amy, if you're listening to this, I still love you. I just have no time. I always felt like it was going to a friend's house. Like it would be like a little bit of a like, go to a friend's house, like have a gossip session, like have a good chat. And then my nails would be done and I'd be like, oh, I have to go home now. Oh, okay. I feel like what you say at the nail table, it never leaves. oh you're a therapist as well yeah you have that connection between your now tech and like me with

my clients that we can say whatever we want and it's fine and it's such a safe happy space I adore it it's great and I love that you get to do that every day tell me about your big money goals obviously you've gone from being a broke mom at 18 living on Centrelink to I guess living your best life but what are your big money goals what are you currently working towards so at the moment we're kind of starting fresh we've used up most of our savings on renovating our property and at the moment we're covering both rent and mortgage just while our house is getting rented out which will be mid-february yeah so we're kind of starting fresh with our savings so we've been able to set ourselves a bit of a clean slate and be like right well this is what we want to achieve we know what

we can do now we know the things that we can accomplish so this year we just want to keep saving to go towards a second property we're hoping obviously we can use a bit of equity so it won't take up a lot of our money it's hard to say that we have money goals for this year because we've worked so hard for like a long time and we've achieved our biggest goal which is buying a property last year so at 24 buying our first property 24 is baby you're buying property at 24 what the heck yeah so this year we kind of said look we actually just want to chill out a little bit. We're not setting too many massive goals. We just want to keep chipping away at the savings, just popping a little bit away each week. We would like to go on a little holiday at the end of the

year. Just nowhere fancy, just somewhere still in Australia, maybe even just Tassie. It's like keeping money aside for that, but yeah. Oh, I love that. And as much as you say, I don't have any big money goals per se, Victoria. I feel like you've obviously thought about finances though, because you've said to me before, you were like, yep, last year I did about 60 grand I'd love to do 75. So it's not like you're not thinking and talking about money. You've just taken the pressure off this year, which I think can be honestly so relieving. Like sometimes we just have big money goal after big money goal and it feels stressful and overwhelming and we don't get to enjoy the journey. So I low-key love that. Let's go to a really quick break because on the

flip side, I want to know more about this house that you bought, the debt that's on it, any investments and your good and bad money habits. Guys, don't go anywhere. All right, Money Dice, we are back and I feel like you're one of the savvy She's On The Money community members. So tell me about investments. Do you have any? If so, what are they? If you're not investing, what's the plan? So we have our property. Which is an investment property now you've moved out of it. Yeah. So our rent is going to be covering the mortgage. We will be chucking a little bit of money into that each week just to have a little bit of a buffer there on the mortgage that's kind of our biggest investment I do have a little bit in shares

since I've been listening to the podcast oh very cool yeah so I've just been doing the roundups on that I haven't actually been popping money into it it's just been rounding up I've done the dollar and then also the other little bit is that adding up yes it is actually oh very nice very nice I've only been doing it since like end of last year and it's nearly about it's only got about 200 bucks in there but it's getting there that's 200 bucks you didn't think you'd have invested though hey I know well you know I've tried ComBake and I've tried all like those other big stock ones and I just can't understand it but I can really understand the shares ease which is awesome oh I'm so so glad well that's exciting $200 now can't wait to see what it's at at the end of the year

even in a couple of years, that's going to compound. Yeah. Do you have any other investments or are there plans for other investments? Well, no other investments at this stage. We are hoping to buy a second property next year. We don't want to be in a rental forever. So we hope to buy a second property next year. But no, at this stage, that's all we have in investments. Very cool. Tell me about debt. I want to know about this mortgage. I need to know the dirty details. How did a 24-year-old get into her first property? It's a bit of a roller coaster. We decided we couldn't buy into the Brisbane market. It's just too expensive. It wasn't in reach for us and we weren't going to break ourselves just to get into the market here,

which I don't think is a smart move as a young person. You're kind of just getting yourself into a massive amount of debt unless you pick up an amazing cheap property, which often comes with the downside. So we started looking up north. I'm from a little town up north. It's not so little, but it's four hours from Brisbane. And I thought if we're going to buy somewhere, I want to be comfortable with it and I want to be knowledge of the area. So yeah, we bought up north a little bit. I have family there, which was perfect. We bought our house for $315,000. It's an 800 square meter block oh my gosh two bedroom it has like a nice little sunroom lounge room kitchen and then it has a massive granny flat which was our big win oh money win yeah so when we went and

had a look I think we were in a bit of luck because all the photos online they were really bad like they looked really terrible and it just looked like no one would want to kind of live there but we saw the big win in the granny flat it wasn't like super brand new it had been lived in but I had a big kitchen, big bathroom, two bedroom. In the granny flat? Yeah. What the heck in? Yeah. It's like a little two for one deal. And the best part was the granny flat isn't actually certified as a granny flat. It was certified as a games room. So we just have to pay like a few thousand, I think it is to get it certified. And then it will add value onto the house, which at the moment it doesn't have that value. Oh, how good. So we bought it for a lot

less than what it will be worth when we get it certified. You guys are geniuses. So tell me more. We moved in and we immediately got to renovating. We ripped up all the carpet. We went back to hardwood floor. We did all the painting. It wasn't a fenced property, which obviously a downside. So we fenced the property. And that's expensive. I've just learned how expensive fencing is. Well, we did it all ourselves. So it didn't actually cost much. Okay. Well, you're smarter than me yes so we got an extra 20k on our loan and we managed to get everything done with that 20k and we renovated the bathroom we painted exterior interior I think that's kind of what we did yeah so we did everything ourselves we saved ourselves a lot of money my dad is a handyman

so we got off really really well with that so he was around all the time helping us and then we had it re-evaluated and it's in about the $420,000 mark at the moment. No, it's not. How good. So tell me about, I guess, a deposit. So how did you get your deposit together? What did you spend on it? So I actually got really lucky and that's why I kind of always feel like it's kind of a bit of a cheat. Like my dad was as a guarantor on the property. That's not a cheat because you've still got to do a lot of work. Well, yes. So we still had kind of enough money to do a deposit. We just didn't want to be left with nothing so my yeah dad went as a guarantor which was amazing because his property is nearly paid outright so that just worked out perfect and yeah that means we saved

our money to go on to renos and all that kind of stuff and just with a bit of a buffer obviously you still have to show the income and show the savings so yeah we got off a bit lucky with that but I'm glad like probably without the guarantor it would have been a lot harder to get in or taken us longer to save. I love that. I feel like it's genius. Now you've gone and gotten all of your, I guess, ducks in a row to rent it out. What are you going to be renting the property for? So we are hoping to rent it out for $495 a week. What? Yeah, it's pretty good. We do have to change our loan type. I messed up with our mortgage. It started as an investment property and then we changed it to owner occupied because we were like not super sure on moving out or renting it out or

lot so we changed it to unoccupied because the interest rate was cheaper and then we locked it in at that interest rate so now we have to change all that around which will bump us back up a bit so the rent will be covering majority of the mortgage so our mortgage will be I think it's like 510 after we do the interest rate change and all that loan type change so yeah we won't be out of pocket a lot that's not the point you have a very nice amount of equity already you're sitting in a very flush position with $495,000 a week coming in, that rental yield would be very attractive. I don't have a rental yield calculator in front of me, but if I did, I know it would be coming out well. The fact that you bought it for $315,000 and also 800 square meters for $350,000,

what? Like as someone who's from inner Melbourne, like even my 350 square meter block cost more than a million dollars like what the hell like you're a winner I'm the idiot here yeah for us it was not about owning something that was expensive it was just about owning an asset and having that relationship with the bank to further better ourselves to buying a second property when we decided to come back to Brisbane obviously it's a lot more expensive here so we kind of figured if we at least had somewhat of a relationship and had somewhat of a asset it would be easier when we are a little bit older because we're still so young. Oh, you are set. I feel like it's going to go from one property to two properties and you're still basically children

in my eyes. Give it another 10 years. You're going to be little property moguls. I can just see it. You're going to have your own full nail salon. You won't even do nails anymore. You just manage everybody else. You are going to take over the world. I'm so excited for this. Me too. Thank you. So tell me, what do you think your best money habit is? I think my best money habit is I'm super frugal. I always think about the purchase before I do it. I never just go, screw it, I've got the money or screw it, we need it. I think, do we actually really need this or can we do without? I don't feel like I have to own anything. I just go my day in, day out with what I've got. I make do with everything. So yeah, I'm not like a big spender. Honestly, our main spending is on our

asset and, you know, things that keep us alive, like groceries and our bills and all that sort of stuff. So we don't have a lot of excess spending that we do. So yeah, just from being like super young and super broke, I'm super frugal because we haven't always had money. And I feel like any money that's incoming, we always have to be like, okay, well, where's this going? And, you know, what are we going to have left over after we pay our bills? So what are we going to do with that. So yeah, I'm super, super frugal. But I love that. And obviously I would say that's part of your money story, having known where you've come from, like there's always going to be some level of being really conservative with your cash. Cause you're like, don't want to go

back to that because I'm assuming you remember how stressful that was. Definitely. Like, you know, the first Christmas with our son, we had to go to like a charity place. They give out Christmas presents that's not bad they give you like a christmas food hamper and you can like pick out a few toys so we wrapped them up and like that was what our first look like but i love that you had access to that like i'm obsessed that these things exist oh yeah it was super super helpful at a time of need so yeah like our first few years of like being young adults when you're generally out thriving and you know making memories we were like really struggling and pushing through and just making ends meet so we remember what that feels like and we go not again

so I love that yeah we always super conservative with whatever excess money we have because it just doesn't last yeah and I think that that's very reflective of your journey but it's also something that will serve you really well like I feel like sometimes you get out of these situations and people bury their head in the sand and pretend like that wasn't their circumstance and then they end up spending way beyond their means which is just the worst thing that can happen right definitely so I'm very very excited about it but let's bring it down what's your worst money habit what have you carried through that's not serving you well I always like to think I don't have a bad money habit like I like to think that I have a very positive relationship with

money you don't have to come up with one then honestly I don't think I can think of one maybe I'm being a bit naive. No, I don't think you're being naive at all. Oh, I do use Afterpay. That is my one bad money habit. I can almost guarantee that you're not frivolously purchasing things on Afterpay, are you? You're using it as a cash flow tool, aren't you? Well, for me, it's kind of like I have X amount of money in my excess spending for this week. Am I going to spend it all on this one item or can I break that up over four weeks? Yeah, you're cash flowing things. I love that you're like, I have Afterpay, it's really bad. Also, I'm using it really smartly to make sure that my budget is always in check because of the job that I have I don't have to wear

you know super conservative clothing I can just wear whatever so I buy clothes for work slash you know still stuff I can wear out so say if I need to buy a few items I might chuck it on afterpay or we recently had to buy all new fans for the property so we could obviously get a little bit more rental income from it being fully you know decked out with fans I popped to them on Afterpay because that was a couple of hundred and I thought well I can pay that off over four weeks rather than taking it out of our like saving slash buffer at the moment. I think it's smart if someone says oh I have Afterpay I do really want to dive deep into it and go well how do you use it what does that look like because as I've said one million times on the podcast I

cannot be trusted with Afterpay personally like I'm so tap happy you tell me that I can have something cheaper now like I just am an instant gratification girly and while I'm not super proud of that I think it's important to acknowledge because it really helps me understand where I'm from but also sharing it people like oh actually V that's me too but then we meet people like you who you're like oh I actually had to buy this thing for my renovated property and like I did a cost-benefit analysis and I'd much prefer to cash flow it over a few weeks like genius Yes, like so smart. And I think it keeps you really, I guess, centered on what's important if you're so across it. So I don't think that's a bad money habit. Like I know you think it might

be, but like I'm not warranting that one. So we're just going to go with you don't have that many bad money habits. Great. Last question I've got for you, my love, is at the start of this show, you said I'm a B. What would it take to get to an A plus? I don't think I'm quite at an A yet because like we have a lot of outgoings as well so we don't have a massive cash flow but I think my relationship with money is you know quite on par with an A. I feel like I've learned so much and I'm like this is not a B this incredible human being is killing it like you are 25 now you have a property you're really smart about the property you've strategized it you're renting it out you're living in a rental there's a plan to buy another one you've got two little human beings

that are entirely dependent on you and you're still setting up your business and hustling from home. Like, I don't know if I agree with a B, but I don't really want to have the fight today. And you and I both know it's probably a little bit higher. So give yourself a little bit of credit. Oh, thank you. I'm so glad I got to have a chat with you and learn about your story and your journey and where you've come from, but where you're going. But also you can just see from this story, there's so far to go, like not in terms of having to change, but just there's going to be so many great life achievements that I know you will achieve with the mindset that you have. Like,

it's so exciting. So congratulations. Thank you. And also thank you for sharing it with the community. I feel like you're going to inspire so many other young mums to go, wait, she can do that. I can do that. I really hope so. I feel like it takes like maybe one or two years to change your life around and it's really within reach. And, you know, coming from a position where I would say our money habits were like a D minus, like we were really, really bad. And we just switched our mindset to, well, what is in reach and how can we kind of change ourselves and be better? So a whole different life is just within reach. I love it. I'm obsessed. This is literally why Money Diaries are my favorite episode of the week and my favorite thing to get to record,

like hanging out with you has made my day incredible. So thank you for that. Unfortunately, that is all we have time for today. So again, thank you so much for sharing with the community. I just know that they're going to be as obsessed with you as I am with you. Thank you for having me. I love listening to the podcast and all the other money diaries. So I thought, you know what, I'm just going to jump on and I'm just going to give it a go and just tell my story and tell other women and men and anyone that you can change your life and you can be in a better position without having to go through thousands of dollars in study and all the rest no queen behavior i love it thank you anyway have the best day and i hope our paths

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