She's On The Money - Should You Quit A Toxic Job Without a Backup Plan? And What To Do If You Can’t Get Insurance

Episode Date: October 23, 2025

Ever had a job so toxic it makes your morning coffee taste like dread? This week, a community member wrote in ready to walk...  60-hour weeks, zero recognition, and a boss who extended her probation “just because.” She’s got a mortgage, $20K in savings, and one big question: is it smart or reckless to quit with nothing lined up? It’s a debate every burnt-out queen needs to hear... equal parts therapy and tough love. We're also tackling what to do when you can't get insurance. Victoria breaks down your options, the little-known loopholes, and why getting cover early is the real adult flex. Because it’s not the end of the week until we’ve shared a few money wins, a broke tip, and at least one questionable life choice. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Nartarsha 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.

My name is Natasha Bamblett, I'm a proud First Nations woman, and I'm here to acknowledge country. Tii, gulinyan ganya, nianakaka yao yambina waka, nianakai nianbina yakarumja, duminyagumiga dumiga ithawaka nirawamundamun imalan. Mumu bangada boma ininyalan waka, gaunan yakarumja, wutunarana. Hello beautiful friends. We gather on the lands of the Aboriginal people. we thank acknowledge and respect the aboriginal people's land that we're gathering on today take pleasure in all the land and respect all that you see she's on the money podcast acknowledges culture country community and connections bringing you the tools

knowledge and resources for you to thrive she's on the money she's on the money hello and welcome to she's on the money the podcast that makes personal finance fun especially on fridays it is our favorite day of the week because we get our team together and it is our whole like little fridays team and we get to celebrate you the incredible she's on the money community. Miss Jessica Ricci, she's here. She's sharing our favorite money wins. Miss Bec Syed is back from her gallivanting around Thailand and we'll be sharing her broke tips and we're going to be helping to answer a money dilemma, which this week is asking what to do when you can't get the insurance you want and something that you slid into our DMs about whether you should leave

your toxic workplace before you have another job lined up. How have your weeks been thus far? mine's been good if you can tell I am coming off the back of being sick so I'm thrilled to be up it is quite bad because my boyfriend got sick first he got me sick and I was like oh the man flew and then I got and really knocked me for six and he was like oh the man flew so yeah man flew you get man flu don't you karma came for me as did the man flu but I'm feeling back and better than ever I'm just a little bit a little croaky still so sorry if that's annoying no you sound great. It's not annoying. In fact, I don't think anyone would be able to tell. You just pointed it out because you're probably self-conscious. Absolutely. Yeah. Yeah. You, you sound absolutely

fine. And Miss Bex, is that nice? Yes. She's back. I'm back. I had a gorgeous time. We were staying in Bangkok and I hadn't been there before. So it was just so fun. And I went, like I went to Japan last year and I was like, oh, nothing would top that. But then Bangkok, honestly, really came close. It was really, really fun. Great food. There wasn't even a nanosecond where I was hungry. I just did not stop eating. I didn't let myself be hungry. So I feel like you might notice I'm a little bit chunkier. I did not notice. And I don't think that that's an accurate depiction of how you've come home. You've come home glowing and happy and ready to take on the world.

That's so nice. Thank you, BD. And on that, how was your week? Oh, honestly, been live, laugh, loving my way through October. Like I just, I'm getting a bit tired. I'm not going to lie. I just feel like we have had a lot on we've been doing a lot working a lot it feels like Christmas is creeping up I mean we've just been recording some Christmas episodes and that feels honestly exciting because like Jess loves Christmas we're all festive girlies but you know when you're like oh this is just all happening too quick what do you mean didn't 2025 just start yeah so I'm feeling a little bit like and this is so silly I feel like we all go through this this like feeling of have I done everything that

I said I wanted to do this year and I'm like no oh my god like what have I got to finish which is so silly. So silly. It's silly. Yeah. It just feels like the year's catching up. Yeah. I totally get it. All right. Would you hypothetically like, get this, it's going to shock you, a five-star review. You didn't see that coming, did you? What a surprise. But Renee Louise 94 did. She sent us a five-star review via Apple and it was entitled Empowered. And I was like, well, this is the one for this week. Hi, She's On The Money. I've been listening to your podcast every day now for the past month or two and it's so good to learn about money that is easy to understand. We have done something similar a few years ago through someone else and we were able to pay for our wedding,

pay off our credit card, loans and other debts, have savings and it was really good until I had medical issues and had our daughter two and a half years ago. As life goes on we fell into a little bit of debt again and we've gone back to some bad habits but after friends telling us about you guys and how simple and easy you make it, I've just joined Sharesies. Signed up to your money course and I've been mapping out the next 12 to 24 months, which is so exciting. I feel motivated and happy to be back on track. Thank you.

I really needed this. Oh, that's amazing. That is so nice. Isn't that so cute, Renee? Thank you. Yeah, that's lovely. And it just shows life is in seasons and, you know, sometimes you're going great, sometimes you're going not as well

as you want and that's okay. Totally. Do you know what else I thought? And this is like maybe just me being a little bit special, a little bit ADHD, a little bit side questy. Her name was Renee Louise, 94. And I was like, that's such a 94 middle name. Like my sister's middle name is Louise. Every second person I know that was born in 1994 has a middle name, Louise. That's so true. Just happens. One of my, this is so random. One of my most favorite teachers in primary school, her name was Renee

Louise. Renee Louise Cunningham, I think was her name. But then I think she got married and it changed. I can't remember, but she was your favorite. She was literally, isn't it so funny how your favourite teachers, like, stick. Yes. Like, I bet if I said to Brooke, who is your favourite teacher, you guys would both go, oh, my God, I remember. Oh, yeah, it's Mr Simmons from Grade 5. There you go.

I have a least favourite teacher. His name's Matt Simmons, by the way. I think everybody loved him, though. You know those teachers that, like, just were everybody's favourite teacher? Yeah. I reckon there are people listening to me like, I love. And your Scott for life, by who? Mrs Derwent.

She was really mean to me and my brother, and I don't want to play the card, but I think it's because we're both Indian-looking. But we're not Indian, we're Bangladeshi, actually. I was about to say, you're not even Indian. I know. But she still, I think she thought that and she didn't like us. So she was maybe a little bit racist.

She's on my hate list. Not that being, you know, we were all India at one point, but she just had like a real distaste for this kind of. I don't like her either. I feel like there are like two types of people in this world and I'm type B. I think Jess is also type B. Don't know.

I think that you, I don't know. There are those people that would have been like, oh, well, she was actually a really nice teacher. She didn't do anything to me. She was so nice. Yes. and then there are type B people where I'm like we riot at dawn yeah I don't care she was nice to me she did what to you yeah that's so nice oh my god so she's on my cancel list as well thank you

yeah you're welcome I've been waiting 30 years I've been waiting to put her on your list too all right let's jump back into the show no more side quests Miss Jessica Ricci can you share your favorite money winks? Absolutely, I can. So firstly this week, I've got a money win from Anne who said, I returned a shampoo to Mecca that was causing me to have an itchy scalp and I got a refund. Oh, gorgeous. Just to remind everyone, Mecca lets you do that. Like you can test it if it's not for you. I believe there are some T's and C's, check the T's and C's, but you can take things back, which I think is great. But also it's so expensive these days. And if you were like,

I'm going to buy a shampoo at Mecca, like you're putting some pretty cold hard cash up front, I reckon. So good on you for standing your values because I'm not going to lie, I would feel awkward and put it in the back of my cupboard and forget I owned it. Absolutely.

Next, I've got a money win from Amy who said she needed to buy all new plants on the weekend as she was re-landscaping her front yard. It was going to be around $400 of plants from Bunnings or the local nursery, but then she found a guy on Marketplace, get a little plant business from his garden

and she bought most of the plants she needed for $220. Also, that's really cute. Sporting small business. Yes, how fun. Next, I've got a money win from Caitlin who said money win, had a successful no spend week. All I bought was groceries and breakfast out with a friend.

Well done. Well done. It's hard. You know what? It's small, but it's hard. And then I've got a money win this week from Tracy who took a leave out of Beck's book and said she changed her Netflix from the standard plan to the cheapest.

Yay. So a reminder, ads are not that bad. I like what we're willing to compromise on because if I had asked you that two years ago, you'd be like, absolutely not. And you're like, ads aren't that bad. They're pretty nice. Yeah, you know what? I'm hard up enough that I'll take an ad here and there.

Absolutely. And honestly, they don't come up often. Yeah. Times are a changing. Absolutely. Before you know it, we'll be watching free to air TV again. Don't tempt me with a bad time. Next, I've got a buddy win from Grace who said her new office building runs free fitness

classes. She signed up for her first Pilates class on Tuesday morning. Also, sorry, free Pilates. I thought you were thinking like it would just be like the Les Mills old school fitness classes that maybe you weren't that interested in. That's good. That's a good office perk, I would say. Whoever's office is doing that, absolutely sign me up.

And then lastly this week, I've got a money win from Rebecca who said council withdrew two parking fines because she received them while their baby was in the NICU. Oh, good. Isn't that nice? Good people out there. Also, I hope your baby's okay. Me too.

And the saves are around $300. So money win for the pocket. Hopefully a life win for you guys because a bit of stress gone and hopefully Bubba's doing okay. Yes. Well done. That's a good place to leave it. Yeah, thank you.

I love it. Miss Bec Syed, have you come back raging with some good broke tips? Because I have had to carry this. I don't want you to listen to the episodes though. I did my best and sometimes, you know what, your best is just not good enough and that's okay. But I think Bec would tell me it was a good job even if it was a terrible job. Yeah, I haven't listened but I'm sure you did do a good job.

But I will be listening and I will be critiquing. Yeah, we're toxically supportive. That's so nice, of course. Like Bec could come into this office and be like, man I just hit someone with my car and I'd be like babe um why were they in front of your car exactly well I was on the path the footpath yeah well why were they why were they there Bex like oh I failed a test and I'd be like oh my god why did they make it so hard rude I really appreciate that okay um Jess I was a bit cheeky this week and I was scrolling through the

money wins column but some of them were really good and so I just wanted to share that this first one comes from Ella, who says she was unwell earlier this year. I do apologize. I hope you're okay. She had to travel to and from Melbourne for treatment quite a number of times. But there is Victorian Patient Travel Assistance Scheme, VPTAS, which just rolls off the tongue, which provides some financial assistance for patients who have to travel more than 100 kilometers to access treatment. I did not know about this. That's great. And I'm glad that the community does now. Absolutely. So I guess it's really also great for regional people, because I'm sure you have to come to and from melbourne every now and then and so the processing time's not super quick but she

finally received the money and put it straight into savings which i think is great it's kind of nice when you like can afford at the moment you know it's coming back and then it kind of just comes back when you don't expect it yeah i'm like oh my god a bit of free money so it's the victorian patient travel assistance scheme i love it p-t-a-s yep you were right it does and this next but also i do hope you're feeling a lot better now ella And so then I dipped into my own thread. Stay in your own lane. I saved my lane for this one.

Back in your little thread. This one comes from Katie, who says, I don't have a steady mobile or home internet plan. Instead, I buy starter SIM packs at Woolworths or Coles when they go on sale, usually about $9 to $13 for 28 days. With unlimited international calling, as I've got family overseas, as long as I trade between providers every month, I can keep the same number.

It's a tiny bit cumbersome, but very cheap. That is cheap. that's nine nine dollars say for example for a month that's your home and mobile because you just hotspot everything yeah and if you're willing to do the admin that's actually a really good money win that's crazy sorry that's so good do you know what i'm willing to do the admin sometimes to save absolutely unlimited you could run an empire seriously that's actually fantastic my phone is 99 and internet is 70 so if you got rid of those oh my god that's genius Are you paying $99 a month for your phone?

Is it like your phone and your phone bill? Like the handset? Okay, all right. That's more reasonable. What do you pay for your phone every month, Jess? $35. Yeah, same. Aldi?

No, through Optus. I'm with Vodafone. We do an annual team, everyone. We did it once and then every year someone goes, hey guys, it's been about a year, check again, call your provider, get on the chat. One day we were all like literally. Yeah, we were all in the office.

We weren't doing work. We were all talking to like Optus chat. like Telstra chat one of us I was on the Vodafone chat at that time and I was like no no no sorry my friend is actually talking to Optus right now she just got $35 I want $35 I want what she got they're desperate to keep you yeah as they should be as they should be because I'll leave it's not that deep for me loyalty runs very shallow in my veins yeah yeah yeah $9 is great that's incredible Thank you, Katie. My broke tip is quite topical right now for me personally

because I just came back from Thailand. So this is for people travelling to Southeast Asia. There is currently a clinical trial happening called Understanding the Causes of Diarrhoea in Australia. Oh, no. In Australian adult tourists travelling to Southeast Asia, which I think we all have been very curious about. Do you know what?

A while ago I went to Bali and I posted on my Instagram that I have never gotten barley belly and still have never gotten barley belly because I believe you have to have one full fat Coke every single day because in my head, and this is a complete side quest again, I do apologize, Beck. I'm feeling very extra ADHD spicy today. It's okay. Because in my head, if you put coins into a cup with some Coke, it like fully strips them. Yeah. Gets rid of all of the rust. I think it does that to my insides, but with the bugs. Not a word of a lie.

I went to a doctor once and they said, have you tried having, like, I am not made, I know that sounds made up. It's not made up. Oh, my God. I think it was something similar. My sister gets migraines and her doctor tells her every single time one can of full fat Coke as like a preemptive, like, you know, it doesn't save her, but it does make things a lot easier.

Really? Why not Coke Zero? I think you need the mix of the carbonation, the caffeination and the sugar. Okay. Like I think it's like, I don't know. I'm not a doctor. I am a hypothesis.

I feel like we're spreading fake news, but I promise that the doctor said it to me. It is absolutely fake news. But you know what? Did I get barley belly? There you go. Tell me more about your diarrhea story. That's so true.

And also a placebo, even if it does, this does cause a placebo. I mean, potentially, yeah. It is just as effective. Do you know what? I'm going to start selling jelly beans that help you save money. you never know no the brain is powerful yeah if you eat a jelly bean a day you can actually save

like a thousand dollars a month it's crazy yeah buy my jelly beans yeah yeah yeah tell us more about this study sorry sorry of course so this is quite topical because i just came back from thailand so this is for people traveling to southeast asia there is currently a clinical trial happening called understanding the causes of diarrhea in australian adult tourists traveling to Southeast Asia, you can sign up and you can get $150 whether you get diarrhea or not. You do have to give a stool sample though, which is, I don't know, uncomfortable for some.

But whether or not you get diarrhea, you will be receiving $150 if you sign up and get chosen is the main thing. That's a perfectly good way to make money. Oh, no. Pack it in. Pack it in. She's been sitting on that one the whole time. It's just like the toilet if you have that.

No, we're done. We're done. I've got a few more but I'm scared so I won't all right well that's the bottom end of this we're gonna go to a really quick break and on the flip side we're gonna be answering a more vanilla money dilemma which asks what do you do when you can't get insurance that you want to have and something that you slid into our dms about whether you should leave your toxic workplace before you've solidified another job and lined that up. So guys, don't go anywhere. Welcome back, everybody. Let's take a listen to this week's Money Dilemma.

Hi there. Have you got a money dilemma you just can't solve? The She's on the Money team is here to help. Every week we tackle your dilemmas, both big and small, to answer your most burning money, career and life questions. To get involved, simply head to our website and leave us a short voice recording and you might just find yourself on the show. Now let's take a listen to this week's Money Dilemma. Hi, she's on the money. I absolutely love the pod and everything youth, the community, especially for women. My question is about life insurance, TPD, IP, death cover, et cetera. Unfortunately, due to a myriad of health conditions, I'm ineligible for life insurance, including through my super, even though I don't expect insurance to cover my pre-existing

conditions. I understand that's part of the underwriter's job. However, do you have any tips for what I can do to prepare myself otherwise? Obviously, having an emergency fund is super important, but it's never going to give me the same protection as life insurance in terms of the actual amount of money. Is this just bad luck or is there another way I can future-proof myself? Thank you. All right, just first cab off the rank, I'm sorry. I don't know if this person has seen a financial advisor or not, but that would be my first port of call. You guys know that I will harp on day and night about Sky Wealth. They are literally my financial advisors

when it comes to insurance. Jess, I'm pretty sure you're with them. They did mine too, yeah. Yeah, pretty sure like our producer, like everybody in our team has gone through Sky Wealth to do their insurances just because they do good. They know literally everything about it and we feel really confident.

So I would go and talk to their team because if you've been declined just by one insurer, you can talk about, you know, what other insurers could I potentially go with? you know, she might've actually gone and talked to Phil literally one-on-one and he said, look, we can't insure you. I just don't know the semantics of this situation. But often you could potentially talk to a different insurer that will either exclude your preexisting conditions or get you to pay a loading on your insurance. So you pay more insurance to still solidify it.

And I would be having those conversations. So it's not completely ruled out. If you aren't able to solidify insurance at all and there are some people that can't get insurance so whether it is pre-existing conditions or you have certain occupations did you know that some pilots can't get life insurance because of the risk of this there's too much risk flight controllers also have a lot of issue with it even though they're stationed that's what i used to say but i ended up with a lot of clients who were traffic flight controllers right anyway so there are a lot of people who might not be able to get it. And at that point you are trying to obviously future proof your finances in a way that you still, again, she mentioned it like having an emergency

fund. That would be the number one thing that I focus on. What other insurances could you get that support you? So yes, you haven't been able to get the life insurance, but what about total and permanent disability or TPD? What about income protection? What about trauma insurance? Do you have any of those accessible? Like what's that going to look like? Also making sure that if you're in a couple, your partner is insured well, just because you can't get it doesn't mean they shouldn't be going in and exploring it. Like there's just, there's a few things that you can do. And I'm really sorry that that's the case, but that is honestly the reality for some people where you just can't solidify it. And I'm not saying that's okay. I think it really sucks.

it actually often is the people that need it so so so so so much yeah um but get advice and get good advice but if you are speaking to a financial advisor and they have said I'm so sorry Miss Jessica Ricci can't insure you they will give you a plan of what else you should be doing to protect yourself so it's not that's why I'm kind of like so did you get advice because any good financial advisor would be like I'm so sorry I can't insure you for this but this is our fallback plan. This is what you should be doing. I would love to see you save X amount per month or your emergency fund needs to be this percentage more than normal people's or whatever. So that's why I was kind of iffy about whether they'd gotten advice because any good advisor would

never leave their client high and dry. They wouldn't be like, sorry, can't get it. Have a good day. Bye. Like, yeah, I would say like, if it is the case that you can't get any at all, then I mean, I think Victoria would say, don't put your money where you can't access it immediately like like investments i would say that you would say that yeah your emergency fund should never never be invested put it in savings and then also i would say like you know as if you can savings and then also maybe like super and maybe a little bit investments if you can afford to have like multiple sources of we just try to be financially secure in general and then i would also just like be really up to date with like centrelink and ndis and all these kind of things

like just in case, because it's really sucks when you touch wood, if you were to get to a place where you're like, oh, I don't have any income and I can't get any income. And I also don't have insurance. And then you're like, okay, well, let's see what Centrelink has. It's so overwhelming at that point because it's like, I mean, I don't know about everyone else, but I find it so hard to like read and take in what's on the ATO website. I'm really grateful that it's there. I'm really grateful we have these. You call me babe. I love reading that website. Perfect. That's perfect. but I would say look up beforehand as well because even if you were like okay well if worse came to worse touch wood I could get $500 a week or $500 a fortnight whatever then at least

you can start preparing your budget for that amount if anything were to happen you can start preparing for what you can get in the future if you were to ever need it and then you can also figure out where the hell the forms are what the hell you do with the forms what do I need do I need by a scan of my ID or something. I don't know. So it's really good to just have that at the back of your mind. I think if you need. Also, while I'm thinking about it, the additional thing I would say is this is a really good flipping reminder to get your insurances in place before you even think you need them. Yes. Because yes, you might have a pre-existing condition now, but there's, and I don't know what it is. It's none of my business, but there is a very big

likelihood. If you are young and fit and healthy, you think you don't need insurances. And that's the point at which you need insurance the most. And it is the most valuable to pick up because you won't have any pre-existing conditions. We see it often in our community, you know, you'll go and see an advisor and they'll be like, so sorry, like you had this health issue, or you might've had a melanoma cut out, or you might've had just literally anything happen. You used to play netball and you've got a bung knee and they just won't cover these things. And you go, well, that's really annoying because what if I do my other ACL, I won't be covered for that. And you'd be like, well, no, you won't be. So the younger you are, the more important it is

to solidify insurance while you can get it. Because even though a bung knee or whatever you might go, they wouldn't not insure me. But you add that to a list of pre-existing conditions. Like let's say you've got a bung knee, you know, you had a heart issue at some point, and you also have mental health. Insurers are cracking down and they're not doing it to be awful and mean like they have underwriters whose job it is to measure risk and go okay well actually I don't want to give Jess a policy because she's very very likely to claim on it and at the end of the day we're insurance and yes insurance is there to protect you but they are also betting people and they're betting that the people that they are insuring hopefully don't claim so that their

business stays profitable yeah and if they go insure all these people who arguably need it and from my perspective deserve it and I want to have it because it keeps their finances healthy they're like sorry we'd be paying out left right and center and become a non-profitable company and that's actually a really bad business decision for them so it's more than personal if that makes sense and I think you understanding that is also important as well because they've deemed you too high risk, but that doesn't mean another company might not. Sending you lots of love. I hope that whatever you're dealing with is, you know, not too hard. I know it can be a lot when you're trying to get your finances and stuff in order and dealing with all of those things as well. So

we're all sending you good thoughts and lots of love, but should we get into the juicy DM? All right. Yes, of course. So we've got a juicy DM, which I think is, it's not, it's obviously juicy because it's about a toxic workplace, but I also think it's a really relevant question, especially at this point in time so our community member says help i need some advice i'm a pastry chef working 60 plus hours a week but i'm only paid for 45 and overtime becomes time in lieu as i'm on a salary it's physically exhausting the vibe is toxic constant negative feedback like work harder do better with nothing actually helpful being contributed to the conversation they swapped me to night shifts without extra pay and extended my probation and said i'd be let go if i didn't

improve. I'm halfway through and haven't heard a word since. There are no jobs in my field where I live and I've had no luck in other industries. I've got a mortgage and around $20,000 saved and I'm honestly just ready to walk with no job lined up. Parts of me feel like I shouldn't waste my savings just because I hate my job. That said, I don't know how much longer I can take it. I'm just after the community's input whether I'm being silly or smart by putting me first. I'm really sorry that's happening to you. That sounds super stressful. I'm, as you guys know, quite risk adverse. I would say, especially with a mortgage over your head, I wouldn't be walking. I really want you to be able to prioritize your mental health. And that's so important and so valid.

But pragmatically speaking, your emergency fund, your savings will only last you for so long. It's a tough job market out there. And particularly because you've just told us. Yeah, you just said that there's no jobs in your area. You're having a hard time. That money will disappear more quickly than you think. And my concern would be that, you know, the financial pressures of having to pay a mortgage and not having money coming in could also put, I would argue, the same level of strain on you that you're already experiencing. It's kind of like you'd be trading one negative thing for another negative thing. I would be, it sounds like you might be already, but actively looking for jobs. Also speaking to fair work, I'm pretty sure depending on your award and depending

on what your previous pay rate was, night shift generally means that you do need to be paid a higher rate unless your previous rate was above award. So I would be looking into that. If there's a union for your industry, looking into that as well. Just making sure that everything's above board because a few of the things you've said have kind of flagged to me that your workplace might not be doing all the right things. You can give Fair Work a call. They exist for that exact reason. Talk to them about your probation extension. Talk to them about the fact that you're not getting actionable feedback because that then also builds a historical chain of events so that if you were to be let go unfairly or unfairly dismissed,

you've got that evidence already supported and noted within fair work, which I think is important. But, yeah, I know that that's probably not the answer that you're looking for and maybe I feel like Bec might have a different take on that. Bec, thoughts? That's my thought. I'm giving you the answer.

She looked like she was ready for her thoughts. Yes, because this is my thing. As you guys know, I quit my job randomly to do like literally four weeks at a job that I wanted to do and then I was unemployed, and which she's not unemployed by the way no I just I only just got a part-time job but what I'm saying is like if you quit and you don't have a job at the end of it you will never not make it work I'm somehow made it work I still got rent money because I was like oh I'm gonna do this and this and this that'll just make rent money but you're very resourceful well thank you so much

but I do think that like you I don't think you'll have to worry about not having a job and not being out to pay the bills because I know that would stress me out I know I think it is so fun it is so exciting and there's something so chill about being like oh I'm just I'm doing this little thing that's temporary that I'm just doing because I need to make money to pay the rent this month it's like when you have a full-time job that you really hate you know it's paying the bills but you're not like you're not doing it to pay the bills it's almost like you're doing it because it's just part of your life and you just hate it but when you quit your job and you're like leave yourself a week or two to just be unemployed. And then after that, don't even, if you can't find

work in your field, then do whatever the hell. I've emailed recruiters and be like, hey, I'm happy to do temp work. Sometimes that literally means sitting at a desk with 20 other people who are there to do temp work and literally unstapling paper and putting those papers in folders. And you do that for eight hours a day. And it's like mind numbing. You chuck your headphones in, you know that you're only there so that you can make money. Everyone's only there so they can make money you don't have to put on this whole like you know when you go into interviews and they're like why do you want to work here and you know it's because you want money but you have to be like oh I'm so passionate about I don't know ice creameries you know like random places that

you're trying to get jobs at so you can make money don't do any of that just get temp jobs just do like pickpacking just get a little kitchen hand job whatever you can do to make money in the meantime when you start needing to make money again but I think put in your notice now. In the meantime, be looking for really quick and easy temp jobs, whatever you want to do. It doesn't have to be in the same field. You're going to make it work. And because you've quit your job, you're going to have to make it work. And that's, there's something very exciting about that. So put in your resignation and then make it work. And I trust that you will. And then you're going to find something slowly, slowly. You're going to be looking, you're going to find something you love,

but you're just going to be making it work until you do. So don't be sad for a moment longer. you terrify me you terrify me I couldn't do that you will make it work you would I'm not disagreeing I'm not saying it's like two things can be true at one time like that can be true and then it can also be true that for me that wouldn't work and that's fine but oh my lord knowing that I would quit a job and have a mortgage already sending me over the edge like my anxiety is through the roof like I think I would have more anxiety not having a job than being in a shitty job with shitty people. Like just, oh, anyway, I think first things first, you are not being silly at all. Like what you're describing sounds really unsustainable and really

unfair. As an employer of people, I have so many questions. So one of the things you said is like, they extended my probation, never heard another thing about it. What? If I extend someone's probation, which by the way, hasn't ever happened, but you're going to hear from me weekly because I'm essentially saying, and like, I don't know how your business is working this, but if hypothetically I needed to extend someone's probation, the reason is because I'm not sure I want them in my business. So I've had six months with you and you have not proven to me that you are the right fit. And I go, well, I'm still not sure. I just want a bit more probation time. Sorry, where's the plan? Where are the like landmarks that I can work towards that show that

I am the right person? Is it output? Is it being on time to work? Is it like, what are these things? Like, why was your probation extended? And that goes back to what you said, Jess, call fair work, explain your situation. Not just that like you feel uncomfortable and that it's toxic. That's a very important factor, but they extended this. What does this mean? You're meant to have a plan for that period of time because essentially you're on notice because they're going to extend your probation and then go, hey, sorry, now we've done another three months. This really isn't working. I think it's very reasonable and very valid to prioritize your health and your well-being over a toxic workplace. So if that's the reason you're quitting, I think, you know, it's money

well spent. We have emergency savings for a reason. And sometimes the emergency is getting out of a situation we no longer want to be in. And that is completely valid and completely fine. That said, you've got a mortgage and I think we need to balance financial security and self-care. Like where's the middle ground there? Like, yes, you don't want to be there. Girl, what are you doing to get out of there are you applying for heaps of other jobs are you looking at temp jobs because like you had some really really good suggestions you could do six million things and if those things sound better than your current workplace go apply for them solidify them then quit your job go to another job where it's not toxic and yeah you're not doing something that

you love but at least you've got a job you've got cash coming in and we can still be applying for your dream jobs and the jobs that you want to be doing because like even if you're doing unstapling and putting stuff in folders, slay. You're still getting money in the door. And then when you get home, you can apply for jobs. And you know what, even if you work there for two weeks and then quit, at least you weren't ever in a worse off financial position. And I think that's a good thing for our mental health as well. So I think I would be, what's your exit plan? You've decided you're leaving this job. Are you applying for new jobs? Are you making a plan? What does that look like? Is probably where I would come from with that.

What everybody else say. Mostly you deserve better, but would you like the two cents? Absolutely. So the first question I asked on the stories was, have you guys ever worked in a toxic workplace? 70%. 70% of you said, yep. And I left.

16% said no, thankfully. But then 14% of you said, yep, I'm still there. That's really sad. That's so sad because that's 84% of people who have or are in toxic. I know. I'm not surprised. no no definitely get out of there next question we asked if you had $20,000 in savings and a job like this with no other options would you leave 39% of you said I'd stay with a time limit 31%

said yes that's what savings are for and 30% said no I'd need to have another job first again we're all just different people like that's a really that's the annoying thing about money and life right like Beck would just happily be like nah I'll work it out and I'd be like I have too much anxiety. We then said, what's your two cents? And I've got a little collection of these. Cause I know we're running out of time. First person said, keen to hear your thoughts. My partner is a chef and they routinely underpay him. Yeah. Next person said, don't quit until you speak with their work and get fairly compensated for your work. Next person said, I'd go back to only working the hours I'm getting paid for until I can find another job, which I think is important

too like if they're only giving you time in lieu and then you can't take the time in lieu off like there's actually no financial benefit yeah maybe you could be like hey i need all of that time in lieu and then use that time to apply for other jobs yes still getting paid someone said staying in a toxic job can cost you more than leaving it's true too valid another person said i have a side hustle for this reason i can leave a toxic main job at any time they don't own me next person said start taking your time in lieu surely you have some weeks accrued by now and then the last person said your mental well-being is worth more than 20 grand aka i think it's priceless also a great point so true great place to leave it guys i hope you have

a beautiful weekend and we will see you bright and early on monday morning for a money diary bye guys 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.