She's On The Money - MONEY DIARIES: 'Rich' Isn't A Dirty Word

Episode Date: November 19, 2023

This week's amazing money diarist, grew up believing that 'rich people' were inherently bad, this was a belief that was passed down from her parents. After building her own seven figure business, she grappled with her identity and how her parents would accept her, now that she was one of those 'rich people.' We can't wait for you to hear this one, and be inspired by her story! 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 my favorite episode of Money Diaries, where we get to talk with one of our incredible She's On The Money community members all about their journey. Let's jump straight into it because this week I got a message and it sounded quite literally exactly like this. Hi, Victoria. When I was growing up, my parents went bankrupt. Because of this, we hated people with money. And I believe that people who were rich were bad in some way. It took me a while to get over my quote money is dirty mindset but a few years ago I started a business and I now earn over seven figures. I helped support my parents but was really worried

initially how they would feel about me being rich. Money diarist excuse me are you a seven figure business owner? I am. Oh my gosh how cool is that? The real deal kind. Oh my gosh not some MLM just checking. Not some MLM. No multi-level marketing. Not like sold my house and in that same year then claimed that it was seven figures in business revenue. None of that. Oh, none of that. Oh, that's actually genuinely impressive in that case. Congrats. I'm so excited. Let's dive straight in. I ask this at the start of every single episode. Money Diarist, what grade would you give your money habits from A through to F? I'm going to give myself a B plus. All right. I want to know so much more about that but let's dive into my favorite question of all time

money diarist can you tell me a little bit more about your money story yes so growing up I believed that money was dirty and that people who were rich were assholes and that anybody who had money was probably sinister in some way because my parents believed those things and so I have had really money is dirty, successful people are evil. Everyone only wants power. And that if you have money, you are selfish. And that has been my money story. Honestly, I'm 33 now for probably most of my life. I think I really became aware of my money stories at around age 29. And I started to realize that those money stories were really unhelpful in actually earning and receiving money. It is very, very true. And it makes me so happy that you've changed

your mindset. I don't know what you do yet because we don't ask a lot of questions of our money diarists. I mean, my producer might have, but I don't because I always like to be really inquisitive and genuine on the show. But I have a sneaky suspicion what you do now because of the way you're talking about mindset and growth. And I don't know, I'm going to call it. But I want to know now, my friend, what do you do for work and how much do you earn? And is there some level of mentorship involved in your role? Nailed it. Really? Yeah. So I started out in business doing events and quickly moved into mentorship. So I am now, I'm a bit on online business coach and currently making seven figures. And I think that's really important. Last year,

we turned over 1.25. This year we're on track to turn over 2 million. I'm in the wrong business. most certainly are not but well I didn't make two million dollars off this did I rude guys everyone should pay a bit more no to be clear though I pay myself 120 000 wage so I think that's probably really important to be clear on so tell me how that works because I'm very similar like if you looked at our business revenue that's very different to what I get paid and I think it's really important to be clear on that as well so tell me one how did you get to that number? Because obviously in a business that makes seven figures, you basically could have picked a lot of other numbers. Why 120 and what does that look like into the future?

Yeah. So that 120 number mostly was recommended to me initially by my accountant. However, I've done a lot of research since then. And what it really looks like is that once you go over $120,000 a year, you get taxed at a higher rate. And so for me at this moment, it is more beneficial for me to let the additional profit that the business earns pile up in the bank account so that we can continue to reinvest it in the business, continue to reinvest in team, in upgrading our services, in mentorship for ourselves, in those sorts of things. But for the future, what it looks like is that in the next 12 months, I will be looking to pay myself quite a lot more because we are looking to purchase some investment properties, which means that I'm

going to need to liquidate some of that income. So that profit that's sitting in the business it and kind of bring it into my own personal accounts that I can use it. Yeah, but if you do that, and I mean, this is not a business episode, but I'm sure that we will one day collaborate and do a business episode together. But when you work with your accounting can actually be a lot more efficient than just paying at the highest marginal tax rate. And obviously, this is not me telling you how to suck eggs. This is just for context for people listening to the podcast. But there is a way to take what's called director's drawings, which is taking a significant amount of profit out of the business at a lower tax rate because

there's a plan in place for it which I think is quite cool to understand as well because you go well why would you know this money diarist not pay herself as much as possible and there's a good reason for it and I like talking about that because I think a lot of people just assume if you know my business is successful obviously Victoria has a really high income and I'm like that's actually not the case totally people are like oh seven figures business owner you must be so rich and I'm like well actually like my business is doing all right liquid cash is like not quite the same you know so yeah it's really important I love to talk about that publicly because I think that not enough people who are in business are speaking about that I love that all right we're

gonna go off script here because the next question's not working for me right now I want to know more about your journey into this like how on earth do you go from being like oh money is so dirty. And I know you don't earn it personally, but comfortably having a business that turns over seven figures. Like how do we get there ourselves? How did you even start in business? Like I don't want to replicate your journey, but how do we have the confidence to go, actually, I can do this. What were you doing before? How did this work? You said your parents went bankrupt. I'm making a grand assumption they weren't business owners. So what happened was my dad, he actually did try his hand at entrepreneurship. And so he owned a corner store, I guess, like a deli, a milk shop,

whatever you want to call them, but a corner store. And he just had no idea what he was doing and eventually just kind of ran into the ground because he just had no idea. And my dad's full of inflated ego, so didn't ask for any help, didn't get any support, and eventually drove that business into the ground and sent us bankrupt. So when we went bankrupt, I was seven, so that really pivotal age group where- You would remember it. Yeah. That's when your money story starts to form. When you really start to see money as a thing, right? And so we lost our car, we lost our house, and not long after that, my parents got divorced. And so that really created this fear around money

for me. Like, wow, if I won, I could make one mistake and I could mess everything up. And so, you know, going to school, going to university, going into life, I played it really safe for 28 years because I was like, I don't want to end up like my dad. I don't want to end up, you know, struggling to get by. I don't want to end up, he couldn't leave the country for seven years. He couldn't get any credit cards. Like when you go bankrupt, you don't have access to so many things. And so we were really limited in what we could do. How I fell into business was I met a lovely man who is now my husband and he owns a gym. And every single morning he would wake up at like four in the morning and he would bounce out of bed and he'd be so excited to go to

work. And meanwhile, I had a great job. I worked for a really big international company. I had a really cushy office job that was earning six figures. I had a great job. I'd clawed my way up the corporate ladder. I'd done all the things I thought I needed to do. And I was waking up in the morning and I was dragging ass out of bed because I didn't want to go. And every morning at 4am, he was getting up and he was excited. I mean, 4am is a lot. I love my business. I love my life, but 4am is still not an option. I'm really sorry. I've just got to put that into context. No, I'll happily get up at six though. And I do wake up very excited to go to work. Is that where you're at now? Well, you know, I married this man, so we are definitely early

risers. Red flag. We can't be friends, sorry. Yeah, I'm really sorry. Text me after seven. I'll just schedule an email. We do wake up early. I do get excited to wake up in the morning. Yeah, I do wake up that way now. And, you know, not every day, I think, is a lie that says, you know, if you love what you do, you never work a day in your life. And I think anyone who is in business for themselves or runs their own company will tell you that. that's a lie. That's a lie. Like there is definitely work involved, but I was inspired by him. He was so excited every day. And I realized that there was a level of joy that I was missing out on in life. And there was a level of passion that was really missing within me. And so I started

going to self-development seminars and just really trying to understand like, what am I passionate about that's not at the time tinder yeah wine you know going out with my girlfriends on weekends like what is this person actually passionate about and as I started to peel back the layers I ended up getting into an events business and it just rolled from there eventually people were asking me for mentorship and then you know the big c the big covid happened and we had an events business that shut down and we just rolled forward and then that's how I kind of got here I love that but that's also a story to arguably unpick as well how do you go through a business basically having to shut during COVID and you go but I can still do a different business like

was this something that you're already doing was this super stressful are you just like completely sweeping over the fact that that was arguably relatively traumatic to have to go oh I'm getting rid of my events business that would have sucked you just had built this beautiful business up and if you're a business owner you know that your business is your baby like that doesn't sound fun so what was that actually like yeah it was obviously awful and you know my husband also had a gym which could no longer operate oh those are two of the worst hit industries arguably we had no idea what was happening we had no idea when it was going to get we had no money coming in and when it all first happened there was no government funding and even

And my husband actually wasn't even eligible for it in the end anyway. And so I just remember sitting down with a piece of paper and going, I need to now start to leverage other skills that I have here. I had been doing some mentoring on the side at that point, but very, very minimal amounts. It was interesting what happened. I kind of just lit up into passion and I was like, my first ever program was around pivot. And so it was really around like, I took them through this activity of business owners, what it might look like to pivot in this environment right now, how we can leverage

and use other skills. And I priced it really affordably at the time. And, you know, I got 20 or 30 people in and they loved it and they raved about it. That's so cool. It compounds after that, right? Yeah. And then I was like, this is what I meant to do. Oh, I love this so much. That makes me so excited for you. I'm glad I asked some more pervy questions before getting back on track. Let's get back on track because I feel like we're going to go off a fair few more times. Obviously, we now know what you do for work and how much you earn and I guess how you got there. But what are your big money goals? You mentioned before you want to buy some investment properties, but what I guess are the top three money goals you're currently

working towards? So we want to buy some investment properties. We want to buy one a year for the next three years. That's the plan. And so we need to be able to ensure that our business is operating at a certain profitability percentage to make sure that we have the cash flow in the companies to be able to do that. And then we have to work strategically with our accountant to get the cash out at the most minimal tax rate that we can. Of course. That's our number one goal at the moment, to be completely honest. We have a little bit of debt on our current property that we live in at the moment. We are working on paying that down and getting some equity built up in that as well. Our long-term money goal is that we would love to have a dream property that we really want

to build out on a piece of land you know is the dream so that's going to probably cost us around I would say two million two and a half million to buy the land build the property that we want and so we are working kind of towards what that would look like that's really exciting though it feels like you've got a lot of clarity in that vision as well like this idea of like I want to buy one investment property a year that's kind of cool but I want to be more pervy am I allowed to be more pervy. So obviously you have a seven figure business. That's very sexy. Your partner is an entrepreneur as well. What kind of income is he generating? Like, I feel like this is a power couple team sitch. What's going on on the flip side? So he has a gym that is earning high

six figures. Very cool. And my business is set up as a company. His is set up as a trust. And so we are in the process of reorganizing all of this and restructuring at the moment because it's a he gets 100% of the profits that he can diversify how he likes. And so he is arguably more well off than me in terms of how much he actually receives and pays himself. But yeah, power couple in saying that I think probably in pocket, it's $150,000 to $200,000 a year that he's pulling in. Yeah, that's quite cool. And it's just nice context to have because sometimes we ask these questions and we go, okay, well, like one investment property a year, that's fantastic. but you've also just said you only pull out 120. Yes, you could pull out more for equity and all

of that and, you know, deposits, but like what is on the flip side of this? Like what's your partner contributing? Because at the end of the day, obviously double income is double power and is going to enable you to be able to achieve these goals. I want to ask a bit more about these investment properties though. Are we buying a million dollar property? Are we buying $500,000 properties? What do these investment properties each year kind of look like? What's the budget on those. Yeah. So we're looking around. I mean, it depends on when we're buying. We've actually got some support with this from a company in Australia that helps you to find the right investment properties for your goals. And so we are looking around the $500 to $750 mark

for the properties. We're not buying dream properties. You're buying investment properties. Yeah. Properties that are set in good areas that are set to go up, that are set to rise, that have good rental yield. Okay. I was about to say, what are we going for? Are we going for growth? Are we going for rental yield? But you have nailed both. And that's really exciting. Let's go to a really quick break because on the flip side, I want to know about your current investments, your current debt that you mentioned, and your best and worst money habits because I feel like I've got a lot to learn from you. So guys, do not go anywhere. All right, we are back and I want to dive straight in. You mentioned that you have a

very aggressive goal of buying three investment properties over the next three years, which is very, very exciting. But do you currently invest? If so, in what? If not, why not? Yeah. So we do invest. I did the crypto thing for a while and then lost a lot of money. Wow. I'm so surprised. Yeah. How weird, right? I'm so rude. So sorry. No, you are so fine. It was just one of those things like in the business world, and you will know this, Victoria, more than anything, like there are a lot of males.

Really? Yeah. Have you heard of finance? very much the same except that probably they're a bit smarter i don't know about that so we have a lot of guys being like yeah this is gonna go up you'd be crazy not to i made eight figures on this blah blah whatever yeah yeah so you know too good to be true let's throw some money in there and lo and behold let's get our money out of there before we sink it in zero yeah that would be awesome so we did that now we do have investments we use vanguard so we do just

split it up like just across the 500 top companies like it's very much just a low return, I think a 7% to 8% return on investment. We've been doing that for two years. That's pretty good. Yeah. I mean, it's better than sitting in your bank account. A hundred percent it is. You mentioned Vanguard. Why Vanguard? What research did you do before making that decision? And I guess why that one? Not a lot, to be honest. I've had some money mentors. So I've had some mentors who in lots of different ways have been making a lot of money. So we've had some real estate mentorship.

we've had some investment mentorship and we've kind of taken what we've loved from all of them i don't believe any one way is right but it's definitely something that i've invested in learning about i think that with money you know when it comes to getting a financial advisor you can't just put your entire trust in somebody else's knowledge i think when it comes to your money you really have to take the time to upskill and understand for yourself what it really means in saying that the vanguard it was a really easy process for us it seemed to have like really strong brand name, really strong return on investment. Like it was very solid and it felt very safe for me as a first dip in. So we just took the advice that we were given. I threw $500

in there a week. And so that just over time has just built and built and built and built. And now I think we have about 40 or $50,000 in there, which is really nice. Yeah. That is so cool. I like to be pervy because I'm always like, well, how did you make that decision? What did that look like? Where did that go? Because obviously I've heard of Vanguard before, but I like understanding how our community members come to the decision to invest in a particular asset, because it can be overwhelming. It can be uninspiring. It can just be, you know, something that you put off and I'm so glad you didn't because look how much it's compounded over time and that return on average and that seven to 9% that you mentioned, that is actually

on track for meaning that your money will double every 10 years. That's really sexy. Like your money is going to double every 10 years if it stays at that interest rate, which historically it has. Like, sorry, but slay. And I think like the biggest thing for me was like, I grew up hoarding money, right? Because I was so scared that it was going to disappear at one stage. And so it had to be a safe investment initially. Like, so we invested in Vanguard before we invested in crypto because I was so scared. I was so, so, so scared to put my money into something. But I also had done so much research and everything said that if you just leave it in your bank account with inflation and all of the things, like it's just going to go backwards. And I truly

believed it and understood it from a core level. And I was like, I have to do something with this money. I love this. That makes me so excited. All right, let's move on from investments. I want to know about debt. You mentioned before that you currently have some debt on a property. talk to me about that why does someone who has a seven-figure business still have debt on their property i know why because i do but we're just asking for everybody else involved our property is a million dollars i would love to have had a million dollars to sink at this thing oh same same yeah that would be amazing look i again have done a fair bit of research on this and you know i really believe that debt, if structured correctly, is actually a really powerful way to grow your

wealth. And so we have been doing a lot of research on the fact that like, if you can put down the investment and you can pay it down and you can get people in the property, the way that debt is structured, and I won't get into it too deeply because I'm sure you know, but it's quite tricky, that it feels really safe and really good. So for us to finance the house and still have the cash flow to be able to finance another property was more important to us than just paying down the debt on this one. No, I agree wholeheartedly. And it's interesting because I think that there's this grand assumption that if you have a seven-figure business, you wouldn't have any debt, right? Like you just own all of your assets outright. And to me, that doesn't make a lot of

sense when you actually start to do the maths. So let's just go with the averages. So the average mortgage at the moment is about 5.6%, or that's what we're looking at at the moment with the current market and you just mentioned that your investment portfolio is returning seven to nine percent so you kind of look at the maths and go if you're making smart money decisions maybe I would be investing or putting my money in an offset account to my mortgage to bank up and I like having these conversations because I think that money can be really overwhelming and it can make you feel like debt is the absolute devil and please don't get me wrong there is a difference between good bad and okay debt and I have been in bad debt and that was

the devil like we do not want to be in lots and lots of personal debt but now I am in lots of wealth debt and I do have a property and last year my husband and I bought our first investment property and we're so excited about that we're in millions of dollars worth of debt but once you have that financial security and that freedom and you know some money in your offset and you know that you're using your equity to leverage yourself into the next property. You're not thinking about the next 12 months. You are when it comes to mortgage repayments, because that's terrifying sometimes, but you're actually looking at, okay, well, what does this look like in the next seven to 10 years? What does this look like in 20 years? How is this working towards me supplying my family

with a level of financial freedom? And they're the decisions that we're making. So if you boiled it down, I mean, the debt you're in, the debt I'm in, it's terrifying on paper. But once you have a bigger idea of what your financial freedom looks like and what you're working towards unfortunately and I'm probably preaching to the converted here because you would know that there is only so many hours in a week that we can work like we can only generate income like let's pretend for 40 hours a week and then how is our money working as hard as we do for it so how do we put it to work so that it's creating wealth for us while we are sleeping and that's a privilege like obviously you have to work really damn hard and sometimes luck comes into it because there

are lots of people out there that work really really hard and still are like Victoria there's no way I can run a seven-figure business at this point in time I have three kids I'm a single mom like this is really overwhelming I totally get that and I don't want those people to not feel heard but I also want you to go wow like there's options on the table for me to create a different life and you've done that and that's so cool to go hey I grew up and I thought that you know people with money were dirty and slimy and icky and I never wanted to be one of those people and now you're one of those people and you know that that's not the reality of the circumstances like that's not who you are or what that actually means so I want to know what do you think your

best money habits I want to learn from you but also I just want to copy all your best money habits because I feel like you've got lots so I read 10 pages of a book on finance do you want be hired by She's on the Money because I don't even do that. I have 120 caps. So if you can just make sure you meet that. Yeah. Easy. Done. Well, you read 10 pages a day. It's more than I do. But I've only recently made that commitment to myself and I would be lying if I said it was every day. It's probably about three days a week. But that's good. We've got a goal. Yeah, we have a goal. Every day will be ideal. It's also dry. FYI, guys. Hold on, hold on, hold on, hold on. Which book are you reading? Is it mine? Because if it is,

like we need to cut this out oh my gosh no it's not yours I have read yours both I'm joking I'm assuming you wouldn't be as silly as calling my book dry to my face right yeah I'd be like wow this lady has audacity I like it yeah she's hired so I tried to read 10 pages of a finance book and the other thing that I think that my best money habit to be honest is I track my cash really well So having a business, you have to understand the numbers. Like I have avoided the numbers in business many, many times that I have almost lost businesses because of the avoidance of looking at numbers because of fear of money. And so now I have dissociated self from the dollar figure, which I think in Australia,

we're just so culturally conditioned to our worth is tied up in what we earn or how much money we have. And it's really hard. Like, for example, a lot of people won't start a business because they're terrified that they won't make any money. And what they're really terrified of is, you know, that people are going to say no to them, they're going to get rejected, that that means something about them if they're unable to make the money that they want. And so I'm really passionate about making sure that I have

dissociated self from dollar figure. And so I'm really good at looking at my numbers, really good at tracking the income, the outgoings and those sorts of things. I love that. I think it's really important to make that you aren't the money you earn. I think that that really aligns to that historical belief you have that like money is dirty and the people who have money are dirty because the reality of it is there are slime bags who are worth nothing. And there are some really, really gross people who are really, really rich. But there are also some really rich people who do really beautiful things for our world. And it's actually a choice as to who you become. It's not the money's fault. It's actually yours for being

all consumed by it. And I think that it's a really nice point, but I mean, you're in mentoring. So it would be naive of me to not try and take this opportunity. What would you say to people who, you know, are listening to this and going, wow, she's so inspiring. Like she started her own business. She's gone from having a mindset that I might have. How can we inspire those people to take the next step and maybe just give it a go, like give it a shot, like work out what they want to do if they want to start a business or even just add a revenue stream to their lives. Like what would be your advice to them i'm gonna say two things you can say as many as you like i'm here for it this is basically free coaching guys she has a seven-figure business i'm assuming it's

not cheap so the first thing i'll say is like you have to be passionate about it it has to be something that really lights you up because it's not always fun running a business and there are a lot of like you know not fun things you have to do i think in anything in life anything worth having isn't always fun like if you know we own a gym if you want to you know get fit or lose five kilos or build abs like or you want to become an athlete like you have to do the boring work as well as the fun stuff and so I think that is the case in business as well like you have to be okay with the fact that sometimes it's not going to be fun but if you're passionate about what you do it will be so much easier so find the thing you're passionate about and then don't quit your day job

like don't quit your day job like make sure it's working like learn like understand the numbers like money coming in is not all your money like I did believe that when I first started my business It's sexy though. You see it and you're like, wow. And then you realize you have to put 30% aside for tax. And then when you start making more money, you're putting 10% aside for GST. It just becomes less and less sexy. And then you hire someone, you're like, wow, they actually cost money. That sucks. I work with a lot of startups. And I think that in the very beginning, like, oh my God, I made $10,000 this month. No, you didn't. Yeah, you didn't. And second of all, when we actually look at how much they spent,

usually they spent like nine and a half thousand. So if you quit your day job, you're going to find yourself really quickly in some really hot water and so stay in the day job learn to love the day job for the stepping stone of is like starting a business from scarcity and desperation to get it off the ground and needing the money to come in so you can pay for your food is never going to grow a business the energy that is poured into that you can feel it guys like if you're on social media you'll have people sliding into your dms and doing gross stuff right and like it feels yuck yeah it totally does that's such a good point we don't want that in our business and So just two things, find what you're passionate about,

stay in your day job until it's really, really working. I love that. Free advice from a seven-figure business owner. Look at me literally giving you guys hot tips. All right, let's bring the mood down though. That was fantastic. But we now need to know that you're a real human being. What are your worst money habits?

I definitely have a light addiction to online shopping. Oh, same. It's not light though. My husband this week was like, there are parcels coming every day. Like you need to stop. but it was on sale so yeah and also it's just changed seasons so that is something that i've given for the next month for all of november i have made myself the commitment that i will not buy anymore no spend november i like that maybe i should implement that

i feel like it's a good idea we can do it together if you like and we can hold each other accountable i did it last year with the community maybe we should do it again because i think so many of us are also prepping for Christmas and everything's overwhelming. And I'm very click happy at the moment. Like baby stuff, like you wait one day, if you decide to have kids, my friend, there are so many cute outfits. And they need all of them. Obviously they don't even exist yet in this world. They are so worthy. They've got a whole wardrobe.

So good. But I totally get that. And I really, really like that you feel like, no, actually I'm just like everybody else. I feel like some people just don't shop online, but there's always something like I feel like especially when you're stressed I feel like going online and I'm already in front of my computer like 99% of the time I'm like oh I'll just have a browse on the iconic and then next minute there's a parcel at my door it's the ads like I was literally doing work the other day and an ad just popped up on the side and I was like oh there's that dress that I forgot to buy don't tell them it's working stop that but it's so true it's

like, oh, I was looking at that last week. You're right, Iconic. I do need that. I do need that. Thanks for the reminder. That was very friendly and definitely not self-indulgent of you guys. Thanks for being so helpful. Yeah, so helpful. I love it. All right. Well, Money Diarist, we have had a really beautiful chat. I'm just obsessed with this idea of people changing their entire money mindset. And this is such a clear story of you going from money is dirty, money is gross, all the way through to money is abundance and money is freedom and money is going to help me create this financial freedom. You just have this clear plan of being like, no, no, no, I'm going to be working with my accountant

and basically a buyer's advocate. And we're going to be buying three houses and these are the budgets for those houses. And you also have this bigger, I guess, long-term goal of settling down more with your husband and building this beautiful home on acreage. And that's so sexy, like so exciting. Do you think that your B plus is reflective of where you're at? And if so, why? But if not, what would you change it to? I do think it is. I think that there is always improvement. And I think that I definitely don't know everything. I really want to start learning a little bit more about superannuation and a few other things. And so I would say that like, I'm probably doing pretty okay, you know, because I have had the commitment to up-leveling and

upskilling in this area. But at the same time, there's so much that I still don't know. And so I think that there's a lot of room for improvement. I love that. And I love the clarity on that. I think that that's really, really important. Money Diarist, I have adored this chat. I've decided we're going to be friends outside of Money Diaries like I do with most Money Diarists. This happens all the time. But unfortunately, that is all we have time for today. So thank you so much for being so open and sharing so much and also giving us some like free business tips like that's really cool of you but i have adored this chat and i know our community will too thank you for having me the advice shared on she's on the money is general in nature and does not consider your

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