She's On The Money - My OnlyFans, My Business?

Episode Date: June 15, 2023

With V back on deck today, all is right in the SOTM-sphere! So we celebrate Friday with your Money Wins, Bec shares some brilliant Broke Tips, plus we answer a Money Dilemma all about tricky investing terms. Plus, we have been hearing a lot of stories lately about employer conflict with side hustles. So it's unsurprising that you slid into our DMs with a VERY spicy one. This community member is conflicted about disclosing her OnlyFans side hustle to her employer. Is the answer black and white? You'd better BELIEVE it is NOT!  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. My friends, today is Friday, which means I'm back. The BJ episode, is that what we're calling it? B and, there's an and. There's an and, Jay. There's an and there. I've never had more fun listening to a Friday Drinks episode. Like arguably, I did not want to come back. I laughed the whole way through. I can't work out if it's because I'm biased,

because I already like you guys, or you're actually funny. I'll leave that up to our community to decide. I also had a very wholesome message from somebody on the She's On The Money account this week. And they said, oh my gosh, like, ha ha ha, listened to the B and J episode. She thought that you guys were talking about Ben and Jerry's. So funny. And I cackled and then said, Jessica, reach out to them. They have really good ice cream. Yeah. Ben and Jerry's, if you want to work with us, slide into our teams. Yeah, we'll be here. Obviously, that's very exciting. We are back for another week of celebrating you guys. You are my favorite people in the entire world. And today we're going to be sharing, or Jessica Ricci is going to be sharing,

our favorite money wins. Bec has a tasty broke tip. And we're going to be helping to answer a juicy money dilemma, which this week is all about explaining investment terms, one of my favorite sexy topics. And we're going to be unpacking something that you slid into our DMs about. And we're going to talk about whether or not you should disclose your only fan's side hustle to your boss. So let's dive straight into the week that has been. Miss Bex Syed, how has your week been? My week has been lovely. Jessica Ricci, and maybe even you have maybe heard about the Akron Affair saga. Yeah, you're like famous now. Can I get a signature after? Can I tell people that I know you? You absolutely can. But I just want you to know that unfortunately,

but also fortunately our landlord decided not to raise our rent so we had to pull. You had to pull the thing. Pull our part of the story. But they're not putting the rent up at all? Not at all. That is a fantastic outcome. Hold on, hold on, hold on. Did you just like pull a Swifty blackmail and say if you,

like we could technically make this issue go away if you didn't put our rent up? I mean, is that what's going on? Literally we didn't even have to do that. We just sent a very, very nice email saying we love our relationship with you guys. I think that we're really respecting the property. We would love to maintain this. But wondering if you would maybe think about increasing it a little bit less or giving us a bit more time to find alternative accommodation.

Yeah. And they came back and said, what a lovely email. We don't want to increase it at all. What? And so I had to run to a current affair and be like, hey, let's not do this. Let's not do this. All the segment. All the segment.

I don't want to do this anymore. And so we will no longer be famous, rich and famous. Oh. That's an awesome outcome. That is epic. Best possible outcome. It feels almost like a fake outcome, Jess. Like imagine being like, we sent a really nice email

and they just decided not to put our rent up. Like that never happens, Ben. It blows my mind that they didn't like use their brains to begin with. Or meet you in the middle. Like if they've got an increase, fair enough, like everyone's increasing, whatever. But I'm just shocked that they went from we're increasing it by a ridiculous amount to, oh, they don't worry about it.

Like we just won't. I know. They weren't even like, oh, well, okay, well, we'll increase it a little bit. They were just like, no, we're not doing anything. We didn't even ask for that. But anyway, we were very happy. We'll take it.

We'll take it and we'll run and we will tell a current affair. Sorry, not sorry. Thank you for your time. But we can't play anymore. We can't play anymore. We can't be friends anymore. Great outcome. Great week.

I don't have a famous friend anymore. Jess, what did you get up to this week? Nothing crazy. A four-day work week. We love that. It's always so nice having that little extra day. I went away last weekend and I'm going away this weekend. I'm so fancy.

don't you just love packing five days worth of work into four uh yeah there is like that outcome I suppose especially because not everybody had the public holiday on the Monday which I didn't realize until someone pointed that out and I was like oh like that makes it harder because some people are working and some people aren't but I mean it's just nice you feel refreshed after a shorter week don't you don't you absolutely do I did exactly the same thing I'm not going away this weekend but my best friend Rose was over from London and you best believe we made it an entire foodie weekend like basically all we did was eat which was a 10 out of 10 not so much for our banks because food turns out good food is expensive yes but that that's okay that was like

a life win money loss but I love it Jess let's jump into the money wins of the week though I want to know what were your favorites because I feel like I snooped through them a fair bit this week and there's some really good ones there sure were my first money win this week comes from Tegan, who said, I cancelled my gym membership that I hardly used and it was $16 a week. Now I'm only paying $12 a month for an at-home program instead. Genius. $12 a month. That's a good money win.

That's so good. That's so good. Do you know what I don't like? When they don't share what program that is. Yeah. If you're saying it's good and it's only $12, sis, drop the workout. Yeah. I'm curious to know.

My next money win comes from Zoe, who said, money win, recognizing my tendency to spend for instant gratification through finding this podcast and community. As soon as I recognized that saying, hey, that's what I do. It's been so much easier to identify detrimental spending. And I have had my first week remaining in budget. Oh, my gosh. Thanks, Victoria, for what you do. Love you in the community. I love you right back. That's so nice. How good is that? I don't know. I get so excited about this concept that when people are introduced to us and our community and what we're up to, they don't feel like it's restrictive. They feel like it's liberating and that message just showed me that and you guys do it every week for me but

I just feel like it shows me that money doesn't have to be about restriction it can just be about really identifying what your values are and what your behaviors are and you know where am I to work for you because someone could have listened to that and be like but V that's my favorite part of my life and I totally get that and you do you it's all about education but I just I'm obsessed with the fact that Jess the stuff that we talk about it actually works like it impacts people it blows my mind. Speaking of recruiting the next money win comes from Grace who said I sat down with my boyfriend and wrote out a financial plan to pay off his debts within the next two to three years. So proud to see him feeling confident and making more fiscally conscious decisions as we

work together to save for our first home. I love that. How cute that little people are going out and spreading the good word if she's on the money. On street corners. I am obsessed but I'm not going to lie, I was being a little bit self-centered when you started that. You were like, oh, talking about recruitment. And I thought you were going to say, Zella Money's looking for a mortgage broker. I was like, oh, that would be good. It's also true. So if you're a mortgage broker and want to work with me, slide into our DMs or better yet, apply. The job ad is on LinkedIn and also, Jess, we're hiring for a copywriter and she's on the money. So that is also on LinkedIn. Go have a look. Yeah. Go to LinkedIn. Yeah. Don't do that to Jess because she'll just send you to

LinkedIn and it'll just be a little loop-de-loop thing. Yeah. Obviously, that was bad advice from me, but it is good advice to come work with us. A hundred percent. We like to think we're fun. More money wins, please, though. Next one comes from Julie, who said, on Saturday, I bought a handmade upholstered footstool off Facebook Marketplace for my mum.

And the lady and I got talking about our hobbies. We shared our Facebook pages with each other and our ideas. She's also, like me, very creative. That night, she messaged me wanting to buy a painting and she picked it up today. Oh, my gosh. Aww, that's so cute. It's just a little merry-go-round. I know.

I'm just really feeling like the little community vibes, I think, this week. A hundred percent. Not on theme, our last one this week, but on brand, comes from Holly, who says, at Macca's, a small cheeseburger meal with a shake is $9. If you order on the app, a Happy Meal is only $4.95 and you can upgrade the drink to a shake for free. Yep. You're welcome.

Gotcha. Do you know who already knew that? Jessica Ricci. We love a McDonald's money win. And that's all I've got this week. A happy meal always makes Jessica happy. Love it. I had one on the way to the studio today.

No, you did not. What toy did you get? I didn't actually look. You can ask for no toy. No. So you can be an adult. Oh, sorry. Sorry.

Bec's like, that's not an option. You're getting the toy. I don't like it. I'll go get my toy and give it to you in that break. Thank you. Yes, please. Oh, money win. How good is that?

All right. Over to your side of the table, Bec. No cheeseburgers. In your broke tips this week, I don't think. Not this week. What have you got for us when it comes to Bec's Broke Tips? I've got something just as exciting. Oh, do you?

This one comes from one and only Victoria Devine. You're not allowed to use my Broke Tips. This is you gaming the system. I know. When we gave you this segment, we said, Bec, you'll come up with a Broke Tip each week. Well, you know, I was really lazy this week. Learn smarter, not harder.

And also time is money, and I feel like I save a lot of time and money using your Broke Tips. All right, what is it? Basically what it is is so Victoria brought in some, what I would you know consider gourmet muffins. Gourmet I believe. Gourmet. Yeah it's like saying target but target. Yes gourmet fancy. We all know what it is. The fancy way to say it. But turns out she actually spent less than three dollars making these. I did. I did. It was a money win. I thought it was pretty good. The broke tip of this week is. It's a recipe. It's a recipe. It's not just a tip.

It's not just a tip it's a recipe. So if you want some really cheap quick and easy snacks desserts whatever the hell you can use them for literally anything anything they're a good snack a birthday cake whatever you want 100 so if you go to cole's you get a 90 cent vanilla cake mix yeah you do and they come in other flavors they do yeah a tin of cole's apple slices two dollars but sometimes on sale for one dollar yeah exactly i got them on sale for one dollar 50 off all in the same bowl you don't even have to drain the apple no you put the apple juice from the tin like get your cake mix back yeah dump the cake mix then we're going to dump the whole tin like you just open it no draining dump it in yeah and that's the maths that's the i'm assuming you

put the rest of what's on the the packaging of the cold box you just not just just the mix mix it together chuck it in the oven 180 and you have after about 15 to 20 minutes about 12 nicely sized cupcakes i mean if you wanted to double it up you'd have six good muffins that would be a good morning tea but like very very good the benefit here is that it's super cheap you also don't need to be a master chef yeah like literally dump it in the bowl if you want to get creative i feel like i'm taking over beck's broke tips but i'm very passionate about no i love this you can mix up the flavors totally i was thinking you could add cinnamon if you did the apple apple cinnamon would be yeah i have done that i just didn't want to tell beck about the cinnamon part

because then it gets like complicated yeah more expensive more expensive true true true true yeah But Jess is obsessed with peaches. Yep. Vanilla peach muffins. Yum. Stunning. Oh, the canned peaches. Yeah, the canned peaches.

Also $2 at Kohl's. Look at that. A hundred percent. You know what you could save even more money doing? Going to Aldi to get your tinned fruit. Much cheaper there. Much cheaper. But I'm lazy, so we just went with Kohl's.

You can mix up the cake flavor. They also have chocolate. Love that. Are you rich and you're buying tinned cherries? Cherry chocolate muffins. Oh, my gosh. Or chocolate chips. Yeah, you could do chocolate chips.

You could do anything. This magic cake mix is exactly that. It is magic. I love that. I love it so much. 90 cents. That means that every muffin is about 50 cents each. Just under 50 cents each.

Under. And that's a good snack. Yeah, it's a very good snack. You could have a picnic, guys, with your friends and you could say, I'll bring dessert. $3. $3. There you go. Money win.

That is a money win. I've got another recipe. I'll share it with you later. I'm not telling you about it on the podcast because I'm going to make you try it first and then you can tell me if it's good or not. I'll tell you if it tastes expensive. Yeah, and then you can guess the cost. Yeah, I love this game.

If it's good, we will share it on the podcast again as, you know, Victoria's Recipe Tips. New segment. Which are also Bec's broke tips that she steals from Victoria. I love that. I love that idea. Secular economy. Exactly.

My next broke tip, I'm going to tell you about a broke tip from Paula who has sent me through this really amazing group, the food bank basically if you are without food and you have absolutely no money or even if you just don't have enough to be paying for food and something else rent utilities whatever life happens you can find your nearest food bank at www.foodbank.org.au so you just chuck in your postcode or your suburb and you'll find the nearest food bank to you how good that is really good. And I was going to piggyback off of that one for my own break tip. If you are in Brunswick or in Melbourne, there are so many free food pantries around. One is...

That's really wholesome. Yeah. One, Annie Borat, I don't think it's there anymore, but there was a free food pantry there for a while and you won't just get your standard bloody beans and whatever. You'll get, not that's bad, but you'll get anything that you want. People just leave stuff there, you know? Oh, I love that. I feel like giving back, especially in that way, is just, it's so nice. It's so nice. So I would recommend, you know, if you don't have the money to afford food, go try and find a free food pantry. And if you do have the money, just go around and pop something in the pantry if you have time, if you have capacity. That'd be really lovely. You're

helping out so many people. I've had a few messages actually from people who are struggling at the moment. And, you know, obviously my DMs are open and I love having these conversations, but I've recommended the food bank a couple of times to a few people in our community and they might respond with things like, oh, it's too embarrassing. It's this, it's not. Babe, it's a season of life. It is what it is. Like we are so lucky to live in a world where a service like that exists. Use it. Please use it. And do not feel bad about using it. Feel empowered about using it. Like it's helping you get ahead. And it's kind of like, you know, people giving you a bit of a piggyback up because if you don't have anything it's going to mean that

you can put food on the table and you can provide and you can do what you need to do but also it means that you can channel that money to somewhere else that might need it maybe you need to pay your rent or your electricity or your bills or something and it's going to help you stay out of debt and be in the best possible position so I just am all about it like if you need help just ask for the help put your hand up there's absolutely no shame in it because I do genuinely believe that what goes around in life comes around. And if you're using that service today and you're feeling really guilty about it, reframe it. Be like, cool, I'm going to use it today while I'm in this season of my life. And then one day when I have some extra cash, I'm going to be the person that puts

some food into that food bank so that somebody else who was in my position feels just as empowered as I did. And I just think it's honestly such a beautiful sentiment and it is what it is at the end of the day. Absolutely no shame. Please use it if you need to though. Totally. It exists for you, literally exists for people who need it. Exactly. And I feel like sometimes people say things like, oh, but I'm not as bad as other people. Sit down. If you need it, you need it. We're not comparing our circumstances. Like I could just go on about this all day, but we will not. And if you do find yourself in a good position, if you maybe do have a couple of dollars to spare for, you know, those extra cans of Aldi fruit or Coles, the nice and cake mix. If you're

in the position where you're on the other end of the spectrum, you can donate to the food bank. You can either donate physical food products. I really like when Coles has the two for one. Sometimes I'll get one for me, one for the food bank and you're not paying any extra. It works out the same, but you can do a little bit of good or you can donate money as well if there isn't one near you. So same website that Bec read out before. It's just a nice little circle of give and take and we're all here to help each other really. Perfect. Love. Bec, is that all for Broke Tips? That's all for Broke Tips this week. Oh my gosh, I love them. You stole them all from everybody else. What a little genius. All right, let's go to a really quick break because on the flip side,

we're going to be talking about demystifying some investment terms and we're going to be talking about whether you should disclose your only plans to your boss or not. Jess, got something you want to talk about? Oh, you're going to have to come back after the break to find out. Welcome back, everybody. Let's jump into this week's Money dilemma. Hi, she's on the money. I have an investing question for you guys. So I've recently started investing in the ASX on an online brokerage platform. And I have a question about something on there. So I don't know what it means by having an expiry date or choosing an expiry date or what good till cancelled means. It's all very confusing to me. I don't know what happens

if you'd pass the expiry date. And everything that I seem to find online is just confusing me more. So I would love for someone to explain this to me in a simple way. Yeah. Thank you so much. This is a really good question because it's not commonly asked or spoken about, but essentially when she says good till cancelled or good till expiry, it's not actually an investment. So what happens is Jess, let's say, has downloaded a new brokerage platform and that brokerage platform enables you to put a tracker on a particular share. So Jess might go, I really want to buy a bank share, the Bank of Victoria. We spoke about that the other day on the podcast. Really want to buy shares in the Bank of Victoria. Right now they're a bit overpriced though,

you know, the market's talking about them. So, you know, they're 60 bucks a share, but Jess, she only wants to pay $55 a share. So she puts in what's called an order. And an order is for your investment platform to buy those shares if they get to her set price. So say overnight, Jess, you know, hasn't been checking her investment platform. Once the share market opens, she's at work. She hasn't really thought about her investments again. What happens is the share market, you know, goes down a little bit. And those shares are now at the $55 mark that Jess said, you know what, I would purchase 10 shares at $55 if that was the price. But if it doesn't get down to that, I don't want to buy them. So what would happen is she would put her order in

And her platform would track that and try and make sure that, you know, Jess's order gets in. They want the order to go in because they will be charging Jess brokerage if that order goes through. So they make money. If Jess gets that for $55, Jess will be very happy because she got the shares at the price that she wanted to pay. And everyone's very excited. Unlike usual commands though, and unlike, you know, actually facilitating a transaction, when Jess puts in a little marker and says, I really want to buy it at $55, there's usually an expiry date on that offer. Jess says, I really want to buy that. And then the transaction platform or the brokerage platform says, yeah, no worries, Jess, we'll keep an eye on that for the next 60 days.

And that 60-day mark will mean that either the order is executed, so she buys the shares, or it's cancelled. And she'll probably get an email saying, hey, your order couldn't be fulfilled at that price mark at which point Jess will reassess and say, oh, it's been two months. The market's either doing really well and it might not drop down to that $55 mark that I really want to buy the shares at, or I'm just going to put the same order in again because I'm willing to wait and I really want my shares for 55 bucks. So it's usually just a trading term that means, all right, well, you've ordered something. They kind of just give you a refund and say, don't worry about it at the end of 60 days. Typically it's 60 days, but essentially that's the expiry date or it's

until cancelled. So the expiry date will be the date that your order gets cancelled because they couldn't fulfil it for that $55. Obviously lots of different circumstances, but does that make sense? Does till cancelled also mean if I've placed that order for 60 days and I go, actually, I don't want to buy that anymore. A bit unrealistic of me. Yeah. I should have change my price, I can cancel it and that would fall under the, to cancel it as well? Yeah. So at expiry, they will cancel your transaction or you could cancel it earlier, but that's essentially what it means. It's when you are trading on the ASX, which is the Australian Stock Exchange. Every country has their own, or most countries have their own stock exchange.

And the ASX is just the Australian version of that. You can access that through any of the Australian share trading platforms that you currently have access to. Some of them won't do orders and that's okay. Some of them will. It's just something that, you know, if you're an investor and you're looking for something at a particular price, you can put in an order and say, I want this. It also means that you can put in orders outside of standard trading hours. So here in Australia, the share market's actually only open from 10 till 4 every day. So you might, you know Jess has a full-time job Jess you are trading at night so you might go online and say oh I really want to buy shares in the Bank of Victoria but the ASX the Australian share market actually doesn't

open until 10 a.m tomorrow I'm going to put in an order with my platform and Jess might go in and order those 10 shares and say I really want to order those 10 shares and then she'd tick a box to say yes at that price and then she'd submit that order and the platform would usually then send her an email and say, your order's been confirmed, like as in she's put the order in, it hasn't been processed yet. Then when the market opens at 10am, whatever stockbroker she's going through will place that order and then she'll get an email to say that order has successfully gone through. So it's kind of just like her doing a click and collect. So the shares love that, that's so cute. Yeah, I guess that was a pretty simple one this week that didn't require a lot

of opinion. That's probably a good thing because I think this week's community DM might take up a little bit of time. Oh, you reckon? I do. Are you ready? I am. All right. Today's DM is arguably on the spicier side because it's about a spicier site. So guys, strap in because this week's community dilemma went a little bit like this. Hey ladies, big fan of the She's on the Money podcast and would appreciate your advice. So I have a side hustle business in OnlyFans that I work alongside my full-time nine-to-five job. I'm really worried about my boss finding out and me losing my job as I know they won't like this. My question is, do I tell my employer or ask them if this is okay with them? Or do I keep it a secret and run the risk of them finding out and potentially

firing me? Also, I should note that in my contract, it states that I will not, and then in brackets, without the consent of the company, be engaging in any other trade business or occupation. Would love to know your thoughts on how I need to navigate this. There's two elements to this. There's the OnlyFans aspect and then there's the contractual aspect. That's how, in my mind, I see it exactly the same way. So I think starting with the contractual obligation, because that I feel like is the foundation

and then the OnlyFans is like an overlaid element. You've signed a contract. 100%. You know, I think that people are probably expecting us to say, no, like you're at your nine to five for nine to five, they don't control your life outside, which I understand and on some level agree with. However, if you have signed a contract saying, I will not do this without, you know, getting permission, you are bound by that.

And I think we've said this on another- You signed a contract. You said, no, no, we haven't said it before. Jess, you and I have literally had this conversation like a month ago where we were talking about side hustles and what it meant. So no, it wasn't on the pod. It was literally a personal conversation about what you would and wouldn't disclose and, you know, oh, what does this mean

and how does this work and, you know, oh, well, what if you did want a spicy side hustle? Be like, okay, like, cool, have fun with your, Jess is very committed to this idea of one day making a lot of money from selling foot pictures. If anyone wants to buy photos of my feet, I will sell them to you at a very reasonable price. Don't know how to get it off the ground, but I'll do it.

I'll buy. Yeah, I'll buy. But see, this is the thing, right? I feel like that's, it's just making money. It's a good idea. Why not? Absolutely. Also, also, if you have an OnlyFans for your feet, I want your money diary.

A hundred percent. Like I need it. I need your money diary because it just, to me, that's something that just doesn't make sense. Like not trying to kink shame or do any of those things. No. It's just one of those things I cannot comprehend. I cannot believe that people would pay you money for pictures of your feet, but my friend,

I'm here for it. Like I get that bank, sis. Doesn't matter how, when or where. Absolutely. So back to, before we get to the OnlyFans thing, back to the contract thing. You've signed a contract. You're obliged by that contract. It doesn't matter what line of work it is.

Like if you've set a contract saying, if I signed a contract saying when I took this job, there's a clause and it is a very standard clause. It's something we should say. This isn't one of those things where it's a company being sneaky. A non-compete clause is extremely common. It's in most standard contracts. It's in my contract. And so, yeah, because like, can you imagine Jess being like, oh, I want a side hustle,

which by the way Jess does have a side hustle it does have another way of generating income outside of she's on the money which I am so happy for and I actually love that she has it but if she came to me and said oh yeah I'm actually gonna go work for another money podcast I'd be like sit down I know you are not and that I think is where the caveat in my mind is around additional work generally is I don't think your employer can unreasonably refuse like we've brought me up my example is, you guys know, if you follow me on Instagram, I freelance in content creation for brands. That has a little bit of crossover, honestly, with what I do. But you're so careful about that. And like, I really respect it. But at the same time, I'm like, Jess, get the bank.

It's fine. And sometimes there's been like, you know, a client that she's on the money has that has then reached out to Jess individually. And she always, I feel like you freak out every time. And I'm always like, nah, if they want to work with you individually, like, of course. To me, she's a very different content creator than She's On The Money. Very complimentary. Like I think that they sit side by side with the type of content that Jess creates. And sometimes you'll do like your budget fashion hauls or whatever. And I think that that makes perfect sense to fit into She's On The Money, but it's not competition with She's On The Money from my perspective. And I feel very thankful for that. But I think not all employees are as lucky as I am that they

have an employer who has that perspective. And it is their right, ultimately, if they feel like whatever you're doing outside of work if for whatever reason Victoria said oh like I'm a bit worried that conflicts like it is your right as an employer to say that and that's where that contractual obligation comes into play like you can't have your cake and eat it no like at the end of the day you and as you said Jess I don't actually care what you do outside of work I think it's important to be really transparent but it is a contract that you signed with me as your employer to say, yeah, like I'll let you know if there's anything else that I'm doing. I mean, you're right. It is your life. It is what you do. But like this idea of, well, I shouldn't have to

tell you. It's like, well, you signed a contract. If you weren't comfortable with the contract, you shouldn't have signed it. And that's what I mean when I say you can't have your cake and eat it too. Because like basically Jess does have her cake and eats it too and does whatever she wants outside of it. And that's great. But you know why she gets to do that? Because she's so transparent about the process and it doesn't impact my business. But it would make me really uncomfortable if Jess wanted to freelance for another you know really big money podcast if that's a thing because I'd kind of be like oh well you know what IP does she take out of my business and then give to them about the process what you know vice versa like you know is she

going to go and I know Jess would never but is she going to go to work with them one day and do something and then bring it into my business and then I'm accidentally going to look like I'm copying someone like it's just a murky circumstance that as her employer because I pay her a job I deserve to know about but that then lays over into the fact that she's on the money I don't care how you make money outside of work as long as it doesn't impact she's on the money and that's kind of a question that means different things to different employers right so if Beck turned around and said I had an OnlyFans, it's me. I'd be like, get that bank, sis. As long as the content that you're creating is completely consensual and you are happy with what you are up to,

I respect that. Yes. But that's not the view of a lot of other employers. Like Jess, if she ever actually, you know, she's talked about it for the last three years. She's so full of it. She's never going to do it. But she's talked about this foot content because I think both of us. She's on the foot yeah she's on the floor like whatever we want to call it yeah I would support her to do that because I genuinely think that people especially women should be empowered to make their own decisions and I also would never be embarrassed I would think it was more telling of the person who'd quote dobbed them in if someone came to me and said hey I just discovered Jess's foot fetish pictures like I'd be like yeah cool but I feel like as her employer I do deserve to know

because I do not deserve to be blindsided by that information either yeah so I think that if someone came to me and said well did you know Jess has this and I'd be like yes you better be paying if you're looking no free feet no free feet yeah I think Beck if you started it would be like great at least I know like are there any accommodations I need to make as your employer like you know times or changes or whatever it is like what would you expect from me and you might go nothing v it's just in my own time and i go okay great like have fun but like most people aren't comfortable with that concept that's shocking to me what element i know i feel like this is going to be maybe different from you guys i find it very shocking that people are offended when people have an

only fans i feel like if your employer if you're worried that your employer is going to fire you because you have an OnlyFans, get the hell out of there. You know what I mean? Yeah. Who cares? If someone's consensually doing something, whether it's either – I'm not comparing these two. I'm literally just using this as an example.

But say you're a sex worker. Who cares? If you want to be a sex worker, be a sex worker. It's a job. It's a job. Everything's a job. And everything is like basically human-made. Social norms are human-made.

Like who cares what anyone's doing? If you worry that you're going to get fired, get out of there. They're not the right people for you. If they're going to judge you, it says so much more about them than it does about you. Totally. What the hell's the problem? It's so true though. Like it's this idea that it's like a secret.

And I mean, you might want to keep it a secret. We've actually had a couple of community members on the podcast to do money diaries before who do do OnlyFans. One of them who was, we were able to name her because she mentioned it, Dara. She did OnlyFans and her employer was like so fine with it. Supportive of it, yeah. Really supportive. she went to her employer and said hey like I do this and I want to do it on the side I think I'd

be really good at it and her employer was like yeah sick have fun but even on that podcast it was probably two years ago yeah she you just look it up like type in she's on the money only fans and it will come up in your search on your podcast platform but even she said like I was a bit worried and I'm also a bit worried about what my job looks like in the future because she said my job in the future might not be as accommodating as my current boss or what that looks like and I totally get that reservation because like I would be worried about the same thing but obviously she's just gone gung-ho and gone for it we also had another money diarist who spoke about her OnlyFans experience but about wanting it to be a bit more private because she had young kids and didn't want

that to be a part of the conversation she was having with her kids and you know she was like I don't really want to go to the school and know that the dads are watching me knowing this information but that ended up being really toxic for her because she got doxxed and someone found it and then threatened to tell her community about it. And she clearly had to come out and be like, well, yes, I do do this, but nobody should ever be forced into sharing information about themselves. And I actually have a friend who is a sex worker and she's married to a beautiful, again, one of my friends who's been on the podcast. And she spoke about her experience as a sex worker. And she had somebody in her family dox her because they hadn't told their

parents about it and it was like common knowledge she was a sex worker he had his job and a family member told his parents about it because quote they deserved to know when it was just not information she was wanting to share or they had decided as a family this is just what I want to share not not what you want to share and so there's clearly and I mean we know it exists there's clearly judgment that overlays over these jobs that we all know should not exist because a job is a job a job is a job and it's 2023 what the hell like oh your job is physical yes so is a construction worker like oh you're a paver you're a builder you're a plumber you use your body for your work great so do a lot of other people like it it doesn't matter what it looks like and

they're making these decisions to do it so I do not care what you do as long as it is consensual like as long as that is a chosen career path for you then you do you boo my concern comes when you're doing something that maybe you feel forced into doing or you don't feel like you have any other options, then we need to talk. Sure. And I just, it's 2023. I can't believe it still exists. Yeah. Before I say this, I'm just putting a caveat on it because we've been getting roasted lately. I hate that we have to caveat ourselves. We have been roasted late. We are very, if you cannot tell, very sex positive. I love that OnlyFans is a safe way for people to empower themselves and earn money all for it. However, I guess the one thing I would put on

On the flip side of that is as much as I wholeheartedly believe in someone's right to do what they want with their body, as much as I don't think that that should have implications for your job, I am also kind of conscious that in certain industries, it could be a concern for your employer and it could be a concern for reasonable reasons. And the first example that comes to my mind is if you work with children or if you work in a teaching space. There are all of these different regulations around, you know, what children are exposed to. And I am in no way insinuating that if you work, if you're a sex worker, that you're not flashing children. That's not what I'm saying at all. But it's the risk that

you run when you put things on the internet, it is there for anybody to find. So if you were, for example, a teacher who had an OnlyFans, what happens if a student finds it? There are all of these implications and liabilities that then kind of come back to your employer. And it's a bit of a tough spot in the sense of, well, there are certain parents or certain people who might really take issue with that. And while I think a lot of us are progressive enough to go, like, where's the line? Your employer also has a responsibility to those regulations and to those things. If you work in politics, it's something that could be weaponized. Are they putting you at risk if they employ you knowing that you could be doxed as a part of a smear campaign? Like there are all of

these I think again just ideas and things that you need to take into consideration and it's not because I mean I feel awful talking about them because I feel like when we talk about them we perpetuate this idea that it should be a thing I know we actually need to talk about it because we need to break these things down and say that's actually a ridiculous concept the idea that you'd be judged for using your body like silly I don't it is very silly so dumb so dumb but I think we do need to break it down. And at the end of the day, like your company, like let's pretend you're a lawyer and your boss just isn't that comfortable with the idea that their clients that are paying, you know, $800 or $900 an hour for you to be a lawyer on their certain project, they're just

not comfortable that they could see that content. They don't think it's appropriate or professional and they'd prefer that the people that they employ don't do that. It's well within their rights to make that decision. We talk about cultural fit. We talk about, you know, hiring the right people, technical capabilities. We talk about all of those things. That just might be something that they go, I don't particularly want that. And I think that that is okay as long as it is completely transparent. I'm not saying that I think it's okay that they do that. Like, I just think it's okay to have your own preferences. It's kind of like having life references. I would prefer someone who's open-minded when I hire them. I prefer someone who is sex positive when I hire

them. A lot of those things I don't learn until later. I'm not going to hire someone if I think they're closed minded. So I think it's really up to the business and what they want to do and the perception they have, because let's be honest, like people could judge she's on the money differently because of the people that work there. Like Beck, oh my God, you wear green jumpers? Are you shitting me? White dress, like couldn't believe it. Like there are so many things that people could judge us on. But I would assume that from my perspective, if you want to judge us on that, you're probably not my people. So we asked our community, obviously, what they think. We asked our community, first things first, we said, do you have a side hustle? 26% of you said yes.

That's huge. 26% of our community members have a side hustle. Next, if yes, does your employer know about it? This one was a spicy response. 38% of you said yes. And 62% of you said that your employer does not know about your side hustle. Wow. Isn't that a lot? That's surprising to me. I found that very wild. But then we obviously also said, we'd love your two cents. We'd love to understand like what you think about this and how this works. And we asked you guys, What are your thoughts? Lots of different opinions. You shouldn't do OnlyFans if you've got a real job.

Sit down, get out of our community if that's your thought pattern. No, bro. Honest to God, just leave. See yourself out. No need to acknowledge your departure. Just off you go. Next, someone said, I would tell them regardless if they fire her, then it wasn't the workplace for her and it would be a blessing in disguise.

That's a nice answer. Why are people nice? I don't know why people aren't nice, Bec. It's the internet. I don't like it. Right till you get on TikTok, that place is cool. Oh, scary. Next, someone said, second part, yes, of course, tell the boss if it's in the contract, but

otherwise, why can't OnlyFans be normalized just like open conversation about money and sex should be? Love. Someone else said, I think no matter what the side hustle is, if you're contracted to tell them, then you should. You would want them to honor their side of the contract, so you should do the same. I think that's important. However, if there's nothing that stipulates that you have to, then I don't think that there is any

need as long as it's not impacting your ability to do your job for them or impacting them as a business, i.e. working for a direct competitor. Yeah, I agree with that a lot. I agree. And I think it's really, really important. Someone else said, I would absolutely lose my job in a public hospital if I had an OnlyFans. And this person has doctor in their username. So I'm assuming that they're a doctor in a hospital. I don't think that's fair because I also, we've talked about this before and I think it's obviously an issue that really impacts women as opposed to men and there's this concept and, you know,

I've been, is the word crucified? I've been like attacked, attack's probably too strong, but I've been told to pull my head in a number of times online and Jess, you and I got a comment only last week where someone commented, Jess and I have been doing these little fit checks of our outfits on TikTok, not on TikTok, on Instagram Reels. And we're having fun with it, right? We're posting it on our personal pages. And someone commented, I don't know what she's on the money has become. It's a disgrace. I've not seen any money content. What is this unfollowing?

And I was kind of like, no money content because it's not the money page, girl. Yeah, it was like our personal pages and we were sharing our personal interests on our personal pages. And look, I just find it so funny that, you know, especially because I work in finance, there's this assumption that I would act 100% of the time like an educated individual and I'd be very formal and very corporate. And like, as an ex-financial advisor, I think a lot of people have a lot of standards that they hold me to, which I think are ridiculous. Because the flip side of me is I'm going to have a Barbie birthday party. I'm so excited to dress up in a blonde wig. I have ordered so many Barbie things online, so much paraphernalia. I've got some fairy wings.

I really like cooking. I really like my cats. I like my dog. I like having a life outside of my workplace where, yeah, I do have to be intelligent. I do have to work and do corporate boring things that's fine but there's this idea that that takes away from the fact that I'm a professional and I think that this stretches out into this idea that you know if a doctor did OnlyFans and they're like some kind of let's pretend neurosurgeon doesn't make them less of human to have an interest outside or less good at their job or less good at their job exactly like they could be the best neurologist in the entire freaking world and then you see them as a lesser a human being because they decided to take photos of themselves naked because they're into that.

Yeah. Sit down. Like that does not change anybody's capability. And I think I see it when I'm not even creating content like that, Jess. I post pictures of my outfits and get crucified. I cannot imagine the judgment on somebody who's taking it a step further and, you know, posting content that they're comfortable with. So yeah, there's just a lot. Obviously, there were a lot of comments that said this shouldn't exist which we absolutely agree with in cheese on the money because we just think you should do whatever you want there was another comment and i hated this it was from someone who said i work in hr at a professional services firm we'd ask that you quit

only fans or resign from us you have to pick dude which is really harsh but i think it's open communication is at the crux of it right like as you said beck it sounds like if that was the case that workplace isn't the workplace for you like you don't want a workplace where you feel like you've got to be secretive do i agree that only fans should have any implication on your professional capabilities not at all but i do believe that there is i guess also contractually a right that your employer has to protect their image in you know the way that they see fit and it's a murky line on where that sits in terms of discriminatory or not but ultimately if you going right back to our listener who's written in, you have signed a contract and you are bound

by that contract. Whether or not we agree with the semantics of it, I think ultimately is neither here nor there. It's really tough, but you are obligated to disclose to them. And I would hope that they are supportive, kind, good humans who believe in the same sorts of things that we do. And if they're not, unfortunately, you deserve somewhere that's going to champion you in the same way that that's what I felt. Yeah, a hundred percent. And I just think it's, it goes back to that comment that someone made to us. They said, you signed a contract, which obviously was your sentiment, but they said you would expect your employer to hold up that side of the contract too. And I think, you know, if something changed or there was something in your contract that they

were, you know, a little bit in breach of, you'd expect them to share that with you and you'd be horrified if they didn't. So I think that it goes both ways. It's a two-way street, like respect your employer and what they've asked of you and you do the same thing. Like I think it's just, yeah, I would be disclosing it. Let's be honest, I'd probably actually disclose it in a little bit of a sneaky way. Like I think I would approach my employer first and say, hey, I'm thinking about a side hustle. What are your thoughts and feelings like about me doing something on the side? Don't know what that's going to look like yet. Just to even get an idea of what they would and wouldn't accept and then maybe open the conversation up later because if they straight out say absolutely

no no side hustles no this no that you've got the room then you've got a little bit of wiggle room to make the decision that's right for you yeah but then on the flip side if they've said yep side hustles fine Jess I want you to earn money then at least you've got a little bit of leverage in that conversation when you finally decide to tell them what that side hustle is but you go no no you said it was okay for me to do this why is it this particular one yeah so that they can't back down and be like, oh, we just don't want you to be not committed to your job. Sit down. Sneaky sneak.

Back them into a corner. That's the summary. That is a great idea. Big one this week. Yeah. Great place to leave it, I think, guys. I think so. Stellar week, stellar topic, spicy content.

I love you all. I hope you have the best weekend and we will see you on Monday for a Money Diary. Bye, guys. Bye. Bye. 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 321 649 27708 AFSL 451 289.