She's On The Money - She Didn’t Go to Uni — But She’s Got Her Dream Home, Investments… and a Massive Decision to Make

Episode Date: April 20, 2025

She didn’t go to uni. She’s 26, bought a home young, and has been building her money confidence piece by piece. But when her dad passed away and left her an inheritance, she found herself completely stuck. Not because she doesn’t care — but because the pressure to use it “right” is heavier than she expected. This week’s Money Diary is about grief, guilt, and trying to make a smart money decision when your heart’s still catching up. It’s honest, emotional, and packed with the kind of real-life money moments no spreadsheet can prepare you for. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.  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 that lets you be pervy about other people's money habits for educational purposes of course welcome back to another one of our money days where I get the absolute privilege of sitting down and talking to one of our incredible She's On The Money community members all about their journey. Let's jump straight into it today because I got a message this week and it sounded exactly like this. Dear She's On The Money, I moved to Melbourne alone to start my dream job in 2020 during the peak of COVID lockdowns. I've gone from spending and barely scraping by to owning property with the love of my life, an $80,000 super balance and investing regularly. But I'm currently struggling with the weight of

an inheritance that I unfortunately received from my late father and I'm trying to figure out what I should be doing with it to honor his memory. Money Darest, welcome to the show. Thank you so much. Oh my goodness, I'm so excited to have you here. As always, I'm going to ask the first cab off the rank. If I asked you to give your money habits a grade from A through to F, what would your money habit grade B? I would say B minus at the moment. I do think I have great concrete habits, but you know, with my ADHD and my forgetfulness, the ADHD tax is real. Oh my God. We were talking about this before we started recording. And I think we're on the same page, which I think is going to mean

that this episode is one going to be really fun to listen to. But also if we go off track, that's not our fault. That's not our fault. Like we're trying our best here, guys. That's why I have a producer watching everything I do to make sure that I don't go off track. Money Diarist, I feel like this is such a good money story to share, like COVID lockdowns to meeting the love of your life. And then in the mix of that going, what the hell do I do with an inheritance? Because that is a very heavy weight to carry, right? So can you dive in and tell us a little bit more about your money story? So my attitude towards money and my money story has definitely evolved and changed over time. Growing up, money wasn't really spoken about much at home. We never went without. I come

from a really big family. I have three siblings and now I look at how expensive life is and I can't imagine how my parents did it, you know, on the money that they were earning back then. And, you know, I don't know how anyone's doing it even these days. Like can you imagine having for kids? Lordy. Yeah, I just, I don't know how they did it. And yeah, I don't know how people are doing it now because it's obviously much worse than how it was back then. My mum was a big spender and still is. Some of my first memories with her are us going to local shopping centres on Saturday morning and going clothes shopping. We always went on holidays as families and played lots of sport. But at times I know it wasn't easy for my parents. There was a lot of credit card

usage and things that went under the rug to make sure that us kids kind of didn't know that there issues with money which I don't know if I look back at that now and think of it in a positive or a negative light. I don't know what I think that's sweet I'm not saying that that's the right thing because we obviously want to try and be transparent but like they were just trying to give you the best childhood and that's so sweet. And they were definitely trying to protect us and you know I didn't really know until I was old enough to understand which is a good thing I think so. Yeah I just find it really sweet especially when you're like oh actually oh mum and dad thanks but also sorry and then yeah so I've been working the public service since I was 18

I deferred from a uni degree because I didn't know if it was right for me I haven't gone back to uni since I'm now 26 and I still haven't gone back to uni and you know what I'm happy what I'm doing at the moment which is great my first government job I didn't really love it was more admin based and the state government got permanency at 19 and then I struggled with desk face work due to my ADHD so I was looking for something more operational and community focused So yeah, you're actually like out with people as opposed to... Yeah, and actually like communicating with people out in a field and then I applied when I was 19 years old for the job that I'm in now that I've been in for...

Oh, you've had that for a while. Yeah, so I moved to Melbourne in 2020 during lockdown from South Australia for this job and I've been in that job ever since. Oh my goodness. All right, so let's get a little bit further into it because you mentioned obviously dream job, great. you moved in the peak of COVID what was that like because like moving during COVID I feel like that would have sucked terrifying so I was 21 I'd never lived out of home I could barely cook

I was calling mum and dad all the time with you know just mum help how do I cook eggs yeah pretty much and yeah I didn't know anyone when I first moved here I moved in April so it was just before the big lockdowns happened but you know I walked into my first day of work and three weeks later started talking to my fellow co-worker who I now live with. No, okay, a little office romance. And he moved from interstate as well. So I think we were both really connected during that period of time and we really looked after each other during COVID and things like that. I don't know if I would have been able to do it without him. Oh my God. It's funny how people find each other.

I love that so much. So all of that happened and now you own a property with him? Like that's Zero to 5,000. Like I've moved to Melbourne. Also now I live here forever. Yep. Yeah. And then in 2022, my dad got diagnosed with terminal lung and brain cancer. Oh, far out. That's so shit. Like there's just no words when that. Tell me about your dad though. He was the coolest man alive. He loved a beer. He loved the footy. He loved the pub. He's just your typical boy. He is a boy's boy, but he did love having his only girl, which is me. he was just the life of the party up until the day he died so much so that his wake was actually more of a party than anything else that's how we would have wanted it

we would have loved that how good is that so tell me more about because that's shit like there's no other like words for that but he got diagnosed with terminal brain and lung cancer and what happens from then like was that a that came out of the blue or was that something that you know he'd been struggling with for a while and it wasn't terminal like what did that journey look like? It came completely out of the blue we it just went from zero to 100 and you know we got told it's not if it's when so pretty much straight away we did get a terminal diagnosis so we didn't know you know how much time we were going to have with him I'm obviously living in Victoria my family live interstate so trying to navigate that work wise was really

difficult but luckily working for the federal government I did get a compassionate transfer so I was able to transfer back to my home state for a period of time to be there to support my mum and also to support my dad with his treatment as well so I'm really grateful that I was able to do that but yeah it's weird navigating like the new normal without having him around but yeah that's really trash I'm so sorry but it sounds like oh my gosh like if something ever happened to me I would hope that my kids talk about me in the same way you're talking about your dad like that is you know when you just go oh tell me about your dad like what was he like and you're like oh he was the coolest man alive like that is the moment like that is the energy and like

I love in your letter you wrote in and you said you know I've got this inheritance and it's a really heavyweight, but I want to like honor his memory with it. And like, from my perspective as somebody who really focused on inheritances when I was, you know, working as a financial advisor, that was something that I was like, let's do something that makes them proud. Like, especially if you've got that positive relationship, like how can we, you can't be here now and that's really shit. And I wish I could change that. And we would give all this money back to swap it, but we can't. So now how is he looking after you? Now he can't be here. How do we do that? So talk me through getting an inheritance. Like, is this something that,

you know, your dad was diagnosed? Were you talking about this with him? Was this a surprise after he passed away? How did this work? I think that we already knew that we were going to be receiving inheritance from a property that was being sold that was in my father's name. So my mom was very transparent with us kids saying like, obviously letting us know that that money would go to us so obviously my mom and my siblings who live back home were you know getting the house ready for sale after my dad passed away and then it sold and we just waited for all the legal stuff but it was kind of something I knew but I didn't really know again like how much it would be or when I would receive it and you know my partner and I really wanted to

get into our first property because our rent kept going up and up and up so I was kind of originally holding off to wait and see what money I would get to use that towards the house but we ended up buying property without it simply because the fact I didn't know how much I was going to get or when I was going to get it all. So yeah, I was expecting something, but I didn't really know the ins and outs of it until after my dad did pass away. Yeah, a hundred percent. And it's always such like, I love having, I don't love, but I love the idea that you could have had conversations with him, but they're also just so awkward and you don't want to be spending your time chatting with him about that when you could be chatting about memories and like, you know, tell me all

this other stuff dad someone that had terminal cancer like he didn't think his time was up until his time was actually up which I kind of love that about him because he kind of was like nah they're gaslighting me no he even died two weeks later than they said he would and he was like you know what I'm gonna push out another two weeks and he did he's like nah you had a point to prove I like the man yeah so he just like I think until the day he died he probably thought he was gonna beat it which you know what I actually I love that kind of attitude that he always had towards his cancer like my dad would complain about the smallest of things but when he got sick he never complained about anything oh what an icon so tell me a little bit more so we've

got this inheritance and we'll get back on to that in a hot minute but like you've recently bought your like first home with the love of your life which is very cool and you have a very good super balance you said you had an eighty thousand dollar super balance but like what are your big money goals? Because for most people your age, like you're just a baby to me, you're 26. Most people aren't buying their first home till 36. Like what's the big money goal now? So I would say that my money goals actually changed since my dad has passed away. So my old long-term money goal was probably by now to have like a second property or really focus on like my shares portfolio and try and invest more. But now after my dad's passed away, my money goal is to travel

the world so since passing my dad passed away in 23 I've been on four overseas trips and I have another three this year including a two-month Europe trip this year so and then like I guess a long-term money goal for me now would be to do a three to six month trip in either South America or Southeast Asia in 2026 or 2027 so I think now that we're stable in the sense of property and that I do have an investment portfolio that I am probably not pushing into as much as I was previously but I think right now like my dad didn't get to retire he was medically retired due to his cancer so I think for me it's like one of those things that people wait to retire to travel and obviously this is grateful that I'm in the position that I'm in that I'm able to

you know take time off work and travel overseas for extended periods of time but while I am able-bodied and while I am young I want to try and do as much travel as I possibly can so whilst holding down my job because I love my job so yeah no I love that I feel like I have said so many times on the podcast and in my personal life old age is a privilege denied to many yes it is something that you know I'm always talking to my parents about it I'm like nah we live in life now babe like we live in life now like it's why I also don't subscribe on the flip side to like you know how there's lots of people who are like financial independence retire early rah rah like no sorry we have to enjoy the journey. Like I've had too many people around me who haven't been able to

enjoy that journey because they've been like saving for retirement. And then unfortunately, retirement didn't come. And it's a really trashy lesson that you've had to learn, right? Like you had to go through literally the worst experience I'm assuming of your entire life to learn. Actually, I don't want to buy a second property. I want to enjoy the journey. But what a gift. Cheers, dad. He'd be so proud, right? Like imagine if he could like just have a little check in and be like, I wonder what money Dyrus is up to. He'd be like, oh, she do be slaying life. He'd be so proud. He'd be drinking beers. He's definitely drinking beers watching. He is. And there's so many places in the world that he didn't get to go to and things that he

didn't want to do. So I kind of want to do that now for him as well. So, you know, there's so many places and so many things that he missed out on seeing that like, I don't know, I just want to see it in my own eyes and see what he missed out on. Yeah. Totally. All right. Let's go to a really quick break because I still have a lot of questions. And on the flip side, I want to get more into exactly what your inheritance is, what investments you have, what your thoughts on debts are, and I think you might have some good and bad money habits to share. So guys, don't go anywhere. All right, Money Diarist, we are back and I want to talk about investing. So you said in your letter, email, message, whatever we're going to call it in,

You've got 80 grand of super. Sis, just a quick reminder, you're 26. That's actually a lot of money. So I'm going to need some holes, I think, filled in. How do you get 80 grand in your super by the time you're 26? So I've been working as a public servant, as I said before, since I was 18 years old. In my public service job, we do get a super of 15.4% on top of our salary. Oh, very nice. Yeah. And I have obviously worked with a lot of old time public servants since joining the public service. And the one thing that they all love is super public servants are obsessed with super. So when I was 18 and I first joined, somebody said to me, just put 15 or $20 into your super per pay. And then when you get a promotion, put a little bit more. And then when

you get another promotion, put a little bit more. And you're like, yeah, okay, no worries. Thanks for that advice because now I've taken it and I look incredible. I've done some maths. So like just to give a little bit of context for those following along, if you're 26, like our money diarist and you're thinking, I don't have 80 grand, babe, that's because you're like probably not meant to have that much. In fact, the average superannuation balance for women between the ages of 25 and 29 is actually $23,000. And for men at $25,400. But money diarist, I don't know if you've done this, but I love a compound interest calculator. I have. $80,000 in retirement, like if you retired in 30 years, that's $1.3 million and you are still actively consistently

contributing. Like you're going to be fine and you're going to travel the world. So I love this. I do make extra contributions now still though. So currently I do 120 a fortnight. So it's not a huge amount, but it's obviously compounded so much over the, what, how long have I been in the public service for eight years. Yeah. That's wild. I love it. I love that you're prioritizing that because it's just setting yourself up for success so that right now you can enjoy the journey, but also the journey isn't going to have to end when you stop working. Tell me about other investments. So you're obviously making extra contributions to your super, but are you investing in any other way? Yes. So I currently do have some fun shares as I call them with sharesies.

So it's just mixed bags of companies. I guess it's things that I probably shouldn't listen to other people all the time, but you know, little things that other people have told me to buy or stuff that I've just been kind of interested with. So I currently have, it's about two grand in total with Telstra, West Farmers and Sigma Health, which I bought really cheap, which I'm very lucky. So you're like, oh, I probably shouldn't listen to anybody, but you just listed off like four blue chip stocks that are quite popular in Australia. So like you're not doing badly. Like, I don't know who you've been listening to, but they know what they're talking about, I think. And then I also have $16,000 in the Vanguard Australian Shares High Yield ETF.

So I've been putting into that since COVID. Oh my God, I'm obsessed. You're doing so well. I was investing a lot more aggressively, but now as my life's changed and I've got a mortgage now, and I guess my priorities have changed, I try and put about $1,000 in every three months or so. And as a shift worker, when I get a big pay with penalties like Easter pay, Christmas pay, work Sundays and stuff like that I try and put that towards like my investing I'm obsessed this is so so good so tell me a little bit more I'm gonna get pervy now you are trying to figure out what you do with an inheritance from your dad how much was that inheritance and like where is your like struggle is it because you're like oh I don't know if I should spend it on travel or

invest it or like talk to me about this so I received 135 000 in inheritance from my father when he passed away. Thanks dad. You're looking up for me. And I haven't spent a cent and I received this money almost a year ago. So where is it sitting right now? Is it a high interest savings account? In a high interest savings account, it's currently sitting with 4.9%. I know that there's probably better ways to utilize it, but I think because I got a different bank account to put it in there and I haven't touched it, I feel really funny about it. I guess just, and everyone's different. Like all my siblings and my mom, they've all spent money. They're fine. My brother started a business and like, there's so many amazing things that are happening with my family

with that money. But I guess just the way I viewed it in comparison to my family has been very different. And obviously I'm in a privileged position where I don't really need to spend that money right now, but I guess I don't want to dishonor my dad or do anything with it that I feel like he wouldn't like because at the end of the day, he worked his entire life for that money and he wasn't able to spend it. 100%. I need to know more about your dad. Let's go back. If you're a dad and you sat down and had a conversation and you said, dad, you've given me 135 grand. Like that's wild. What would you want me to do with it? What do you reckon he would say? Set yourself up and travel. Okay. So what would that look like? Because I feel like you're

already on the path for doing that. So what do you reckon he, like, is he a property man? Is he a shares man? Is he a just blow it all on travel man? He's a blow it all on having fun kind of man. I like that. So like we can kind of not go wrong when it comes to making decisions because like what if we invested that amount? And I know that that's a very hard decision to make and it's definitely not one, especially on $100,000 as an initial deposit you should be making on your own. and I think you maybe should get advice but also you're already investing in ETFs through Vanguard like it could be doing a lot for you because that 135 by retirement's worth what close to 2.5 million dollars if we invest it well and to honor our dad I think we should be looking at what we

can do with those funds on a consistent basis so like let's zoom out for a hot second talk to me about life like you want to travel you are just a baby because like to me anyone under the age of 30 is still actually a teenager and I'm pretty sure there's COVID tax, right? So like any age you grew during COVID doesn't exist anymore. So you said you moved during 2020 lockdown and you were like 21, baby's still 21. It's fine. So tell me about what the rest of your life looks like. You've got this very, she showed me a photo of her. Was it fiance? No, not yet. Not yet, but he looks like could be your fiancee? Well, I hope so one day. Is that something that we want to achieve? Like talk to me about what life looks like in the next 10 years. So I don't think children is going to

be in the picture of frost, just personal thing. We both have big families and can't wait to be auntie and uncle, whichever the world. We bring little gifts home to our nieces and nephews. And we've always spoken about that. I think housewise, we love our little home. It's easy to clean, easy to maintain. It's in a great location. Like I don't feel like we need anything bigger. i think for us it would just be to try and maintain our good dinners nice cocktails i'm so excited for you like don't get me wrong i adore being a mum like i was born to be a mum but not everybody wants that the fact that you had the let's call it financial freedom right now to go i don't want that so any money i earn right now i'm not thinking about school fees i'm not thinking

about child rearing i don't need to know about the snooze like get in the bin like i don't care you can come to brunch with me you can drink the mimosa I'll tell you about my lack of sleep and you can empathize with me and then go on a holiday the next week I love that for you so like maybe we need to look at this inheritance that's making sure that you can continue that lifestyle yes so if we're investing it in a way that it has some great returns that we can then use those returns to live our life and still go out for really good dinners how good's that dinners on dad for life but like explain it that way right like if we can reframe it in a way where it goes dad's always gonna cop our holidays he would be so proud he would love it he'd be so jealous

dad you're taking us to Bali dad you're taking us to Asia like he would love that because you know what I know you're saying he worked his entire life for that money and he did but now you know what he can't be here to enjoy it the idea that one of his kids his only daughter is going to get set up to live her best life because he worked so hard that's why he did that yeah that's why he did that it wasn't so that you can have it in a savings account and go I don't want to touch it I know this man well enough now from this conversation over a beer he'd be like oh she's just not doing anything with it he's so good he's not doing anything with it like why did I give her that so we need to take action but also we don't want to take action so quick that we feel

uncomfortable. Like, babe, you can sit on that money and not touch it for another five years for all I care. But what we want to do is get really comfortable with that money. Because right now you're telling me that you're uncomfortable with it. That is okay. That is so fine. But we need to, you know, think about it and maybe even journal a little about it. Like, I want you to write down why you're so uncomfortable. Like, I get not wanting to make the wrong decision. Like, I don't want to make the wrong decision either because that would be heartbreaking. Like, you know, I don't want to extrapolate it out, but like, imagine all of that, then you make the wrong decision. Then you're going to be feeling trash because you're like,

well, that was my dad's. Like that wasn't just, I saved for my house and lost some of it. It's more meaningful than that. So maybe we do need to get advice on this so that you're super excited about the journey and any good financial advisor, and I can set you up with one if you want, any good advisor is not going to pressure you like they're going to go in your own time what else do you need like how else can I support you so that you're ready so that you get to a point where you're like why haven't we invested this yet or why haven't we done that thing that we keep talking about that's the point that I want you at so that you're pushing your advisor not your advisor is like money diarist we have to invest right now like you're going to miss an

opportunity any advisor who says that in the bin it's great in the bin like I want to feel excited about honoring him and using that money but at the moment I just don't have that level of you know confidence with it yet no and like I think that is around education and sitting with it for a little bit because like let's be honest like it wasn't that long ago no like you haven't had the money that long I think it's really about just sitting with it and thinking about the lifestyle that you want to create if we can get you excited about that and facilitating that I think that really ties in to the, I think we really are honoring this man. Like that's pretty cool. And like, maybe you could even have like a little habit or a little like nod to him every time you

go on a holiday where it's like, all right, well, we have to have the first beer at the bar for him or something along those lines, which is just so sweet. I really like that. How do we intertwine him into your life so that you go, nah, I really am honoring this. I am making the most of this. Yeah. No, that sounds amazing. So, on the flip side, you have a mortgage already because you've worked your butt off with your partner. Tell me about how much debt you're in. So, our mortgage is currently sitting at $490,000. We paid $550,000 for our property and we currently have $51,079 in the offset of the home loan. Excuse me? What? Look at you guys go. so take me back how much money are you earning so I currently my base salary is $81,600

however with the nature of my work the allowances I receive for different skills and training I have and shift work including some weekend and interstate travel I'm calculated to make $110,000 this financial year okay baby queen yeah no wonder you're like I don't need to go to uni like what are you going to uni for like that's a good deal now would it be correct of me to assume that your partner's on something similar because you said you met at work yes so my partner works in a government role as well similar organization however he works away month on month off yeah okay which is great for our travel because he doesn't have to take annual leave for us to go overseas yeah and his base wage is 75 000 but he makes between 120 and

130 with these penalties oh okay so we've got a really nice we're double income no kids household we're a dink yes we're a dink i love that you're like the like icon dink too because like some dinks don't have heaps and heaps of cash but these ones these ones are going to be really rich guys um so i love this for you so tell me a little bit more about the plan to get rid of debt like are you just paying it off and like slowly slowly because you want to invest because like obviously you've got your fund shares you've got your vanguard etf you've got your super like what's the plan around debt reduction i think at the moment we're kind of just chipping away because we have other things in the works that we're saving towards like big europe trip this year

and i've got a couple of other smaller trips planned like with friends earlier this year as well but our interest rate did go down and we've kept paying the same amount plus obviously having the 51 000 in the offset is offsetting the mortgage a bit and we're paying our minimum and repayment still. And we pay fortnightly and try and do those type of things to just chip away at it that little bit quicker. Yes, smart. And did your interest rate go down because you're broke and negotiated or was it just one of those automatic bank ones? Ours was one of the automatic bank ones, yeah. Oh, sexy though. It's nice that they would pass it on and you don't even have to lift a finger. Now, I feel like you've got some good and maybe

some naughty money habits, but like you've earned them. Like you've got good income. Talk to me about what you think your best money habit is? My best money habit would be if I want something, I'll do whatever I can to work towards achieving it. I think I struggle when I don't have a clear goal, but if I do have a clear goal, I do become a bit obsessed with it and lock in. Like this Europe trip coming up this year, I'd said to myself, I want to have $15,000 for the Europe trip saved by August. And we're sitting at a middle of April at the moment, I have 13 and a half thousand saved. Oh, okay. You're like really on track. So when I really, really want something, I feel like I do whatever I can. I think it's probably my like ADHD as well. Like I get

really obsessed and hyper fixated. And then I guess the other really great money habit that I have is we love going out to eat. We love going out for drinks. So we use like a lot of eat club and first table. I was talking about these today with my team. They're good. Hey, all of those things to get you know cheaper meals like well if I have to go to dinner at six instead of seven and I'm paying 50% off I don't care and you're going home and you're getting in bed and reading your book early like exactly say less like I feel like COVID really it didn't do us a dirty like obviously I didn't love COVID but it really did teach me that I actually do like being at home like I like going out but I don't want an 8 p.m dinner booking oh 6 p.m dinner and like two

cocktails after bed by 9pm. 100%. You're like home. You're feeling nice and warm from the two cocktails. It's 8.30, 9 o'clock. We're having an everything shower. We're going to bed. We still have a day ahead of us tomorrow. We don't need to sleep in. Say less. That is the dream. And I can still wake up and go to Pilates in the morning without being hungover. She's living her best life, literally. So talk to me a little bit more about how you're able to lock in because I think so many people with ADHD, we really struggle around goal setting and actually achieving things. What do you think your secret sauce is when it comes to actually being able to achieve those goals? I think if I have something already booked or planned, it's like, well, I have to do

it now. So if I just say, oh, I'm going to Europe and I don't have anything planned, I don't have tickets booked or annual leave booked or anything like that, I probably wouldn't be able to save like that but the day in my brain I go oh my god I'm going to Europe and then the things that I do I put the countries that I'm going to I'll put it on my screensaver put it on my phone as a like on thing put it on a vision board I talk about it with people in this Europe trip that I've got going on so I guess it just it becomes part of your personality takes over my every thought so then I have to do it no I like it I'm a bit the same like I need a deadline there's no smart like way about it I just obsess so tell me about your worst money habit I forget to do a lot of things

so my direct debits my money is literally everywhere still as much as I like I'm even talking to you like I go oh my gosh I've done so much but my money system I don't really have a plan set out I forget to set up direct debits I forget to cancel subscriptions due to my ADHD I often end up paying for multiple streaming services at once that I forget two weeks ago I sent a HelloFresh and a Mollyspoon to our house on the same day. Oh, good. You can play them off against each other. Yeah. And then a little drinking game app I downloaded the other day on my phone, which was free for three days. But it was only free for three days,

but now you've paid for more than three days. Yeah. So $20. Yeah. So I just feel like it's organized chaos. So this is where kids might come in handy. So I think maybe in this case, you need to have an imaginary child because then, and I didn't tell you this, then you can like message the subscriber and say, my kid did this. And they usually refund it. That's incredible. So you could have a fake kid. So maybe you do want kids after all, you know. Never know. Fake one. No, fake one. You don't have to have a real one. Like I'm never going to

try and convince you otherwise, but like maybe you message them and be like, oh, my kid did it. It was not my kid. It was me. I'm my kid. I'm going to try that next time, I think. You message me and tell me if it worked because almost guaranteed you'll be like, oh, sorry, my kid downloaded that and I had no idea. They're like, yeah, sorry, no worries. Just delete the app and then they refund you the money. That is absolutely incredible. I would never, I would never tell you to do that.

Money Diarist, at the start of this episode, I said, what do you reckon is your money score? And you said, I reckon I'm a B minus. I don't know. What's it going to take for you to get to an A plus? Like, what would that involve? Cause like, girl, I don't know how to tell you this. You're 26. You've got so much money in super. You have your first home. You have like $51,000 sitting in an offset. You are adding more to your superannuation consistently. You were like, I have a few fun shares. And I was like, oh, that makes sense. But then you dropped, oh, I've got 16 grand in an ETF. Like, sorry, what is an A plus in your mind? I think cause I'm so organized. I'm organized chaos. I think that's how I am in every aspect

of my life and I feel like that does come towards like I can tell that with the way that I handle my money as well so I think if I was more organized and I kind of knew exactly where my money was going instead of just throwing it around like I tend to do it's worked out so far but I don't know I can't fault you but I think I get really anxious over that that I know that it's organized chaos and that things aren't exactly where they maybe should be or working in the exact way to kind of like working in its best form. So I think that's why I wouldn't – maybe B+. Well, I reckon I can get you to an A+.

I'm going to set you up with a login to my Money Masterclass because that was written by an ADHD girlie for everyone. But I promise like it's like when you look at this, you'll be like, oh, that makes sense. not only is it pretty so you'll want to fill it in like she looks aesthetic it like has a section for everything and then it automatically calculates everything for you so like there's not a lot of work but a lot of dopamine gets used in this process because like you feel like you've done a lot when you haven't done a lot and we love that so I'm gonna give you access to that so

that you can do it but it will be able to track everything and then it will say all right well this amount or this percentage of your spending is going to this this percentage of your spending is going to that. It'll give you like savings trackers. So you can put your holidays in and it also get this, I've added in a mortgage repayment calculator. So you can pop your mortgage in your interest rate, and then you can play around with how long it will take you to pay off if you make extra contributions or not. And it's all in the one thing. So I'm going to set you up. And then I think you'll message me and be like, V, I'm actually A plus now. And I'll be like, I know, babe. I know. That's amazing. I think it's just, yeah, it's so overwhelming

to even kind of... It's hard. Yeah. Yeah. And you just don't know where to start if you don't know where to start. But that I think will literally also tell you which bank accounts you need. So you've already got them all set up. You could just rejig the ones you have and use them in different ways. I promise you, I think you'll be really clear on it. Anyway, that is so good. I wish we had so much more time because I have loved having this conversation. I feel like you and I are on exactly the same page. So if ever we cross paths, I think we would yap until the cows came home but sadly we have run out of time Anidaris this has been a pleasure thank you so much for sharing your journey and telling me a little bit about your dad like how good to learn about him

and what he would want for you like that's just really special that you've opened up and shared that journey with me so I'm really grateful and I know that everyone listening is going to be like yeah this was a really good diary so I really appreciate it 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.