She's On The Money - Why This Year’s Hottest Gift Is Investing

Episode Date: December 3, 2024

This year, skip the socks and candles and give a present that actually compounds! We’re upgrading your holiday gifting game with thoughtful presents that don’t just sit on a shelf—they grow. Imagine giving your loved ones a head start on their financial future with beginner-friendly gifts like shares, ETFs, or even investment bonds (trust us, they’re cooler than they sound). This episode is your ultimate guide to investing-inspired gifts with serious glow-up potential. Whether you’re working with $20 or $200, we’ll show you how to make gifting investments fun, personal, and packed with long-term value. Say goodbye to boring gifts and hello to building wealth—one present at a time. If you want to give yourself gift this season, join the Finance Foundations Workshop on December 6th for practical, no-BS advice on budgeting, saving, tackling debt, and investing basics—plus a live Q&A with Victoria! It’s online, just an hour, and includes a replay. Your future self will thank you! More deets here.  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's all about giving gifts that are thoughtful, meaningful, and maybe even financially empowering. Are you over giving the same old gifts every year? Let's be real. How many candles and bath bombs can one person actually use? Many. I'd probably go 12 a day. You know what? I have a bath maybe every couple of days. God, it's luxurious, isn't it? There's nothing like it. Nothing quite like it. I love a bath. I love a bath bomb. I don't love the bath bombs that change your skin color though. You know how sometimes you get it and then you get out with like a shiny pink tint? like that's not for me. So if you're going to give bath bombs, be really thoughtful about the

ones you give or you could just give them money. This year, what if you could give something that actually grows? And I don't mean like houseplant. Oh, I like houseplants though. This is the thing. Just in case people are listening and they don't know who I am, I'm Bex Side. And today we're not just talking about holiday presents. We're talking about gifts that can actually build a future. And joining me as always is Victoria Devine, whose love language is a perfect mix of financial literacy, which I know is not a love language and thoughtful gift giving. I feel like financial literacy is a love language. I think it should be. Let's make it one. Because like the love languages were made by some dude.

Yeah. Like we're updating them. Love language, finance. Financial literacy. Yeah, absolutely. I like that. I also do definitely have the love language of gift giving. Like I love giving presents. You do, you do. I have a creepy list on my phone of just like ideas for presents for people that sometimes I put down and I'm like, I would never buy that person a present, but I need to put it on the list because that would be really thoughtful if ever I need to. But I guess today is not about houseplants. It's not about bath bombs. We're actually going to be rethinking the idea of the gift that keeps on giving. So what if, Bec, instead of a present that gets tossed aside by the time New Year's rolls around, we could actually give people something that

builds wealth over time? And obviously, I'm talking about investing. Honestly, I know that there are probably people listening and I'm not going to lie, this is me, but investing as a gift kind of sounds too serious or complicated. But also, you know, when someone's like, I've given you a present, it's a donation to your favorite charity. I'm like, oh, that's actually really nice. But I wanted a box of chocolates, actually. Okay. So, when I bought everyone in the team last year a goat from Oxfam, you were like, that's cool, but I wanted the money. I wanted the money. Sorry. I thought the goats from Oxfam were really cool.

Oh, it was really cool. You're probably still going to get a goat this year because is aligned to my love language. Totally. At least I'm mentally prepared. But I feel like it's not that deep, right? Like investing, men used to do it. So how hard could it be, Bec? Sure. Exactly, right? So I think it's more exciting than you think it is. Plus, I'm going to show you how you could get a little bit creative with it. So it feels, I guess, just as personal as any other gift you might give at this time of year. I love getting a little bit crafty, a little bit creative. I'm very crafty, very into cross stitch at the moment, very into needlepoint, very into embroidery. I feel like I've aged probably like 30 years since having a baby. Well, you don't look

at. That's because I stopped breastfeeding and I was able to get my Botox. Oh, yeah, yeah. You could actually combine the two cross stitching and investing, I'm sure. So tell us why is it a good idea and not just like a finance person thing? You're a finance person. Everyone is a finance person. I don't know one person who doesn't use money. Yeah. You're all a finance people. You just didn't know it, yet he actually uses money. Like he goes into the bush. That is a next level privilege, right? To be able to be like, I'm going off grid. Okay, cool. You had to pay to get there, I assume. Petrol. Not only that, anyway, completely different story. But let's think about it like this. So

when you give an investment as a gift, you're actually giving someone a really tiny piece of financial freedom, unless you're giving them like millions invested, in which case you're giving them entire financial freedom, which if you would like to give that to me, totally open. My address is actually on our website, but it's not just money, right? It's potential. It's something that could grow over time and contribute to a future goal, whether it's, I don't know, buying a home or them traveling or just building a safety net or an emergency fund, right? And for anyone who's new to investing, it's also like a really gentle nudge in the right direction so that they start hopefully learning about their finances, but without the

pressure. Because like you didn't have to cough up the money to begin with, right? It's a classic example of, I don't know, teaching a man to fish or a person to fish rather than just giving them a fish. Yeah. I just don't think that fish for Christmas is a good idea though. Like I would be really disappointed if like Christmas morning rolls around and there was a fish in my Santa a sack. A raw fish, possibly smelly by that point. Yeah. One out of 10. But I do think that it is a really great present to think about, especially when you're like, oh my gosh, this person has literally everything, but they're also a little bit financially irresponsible maybe. Yeah. Like maybe they have everything because they're financially irresponsible. Exactly. That sounds

a lot like me. Exactly. But imagine if I turned around and said, Bec, I got you an investment. You'd be like, what the hell? But then maybe you'd have to work out how to redeem that gift card or you'd have to work out how to invest it or you might get a little bit interested in it and that's like the snowball starting. And I know that you've already started investing, right? So like you already invest. Imagine if I said, hey, here's a contribution to this because I knew what platform you were on and bought like a gift card for your investing platform. You'd be like, oh my gosh, because I know you've only been starting small. Imagine if I gave you 50 bucks, you'd like double your investment. Wouldn't that feel exciting? That would be so motivating. I feel like I can

see how a snowball effect might be created from that. But it does sound like a thoughtful way to kickstart someone's financial journey if they're not, you know, fully there yet. Plus, I love that it's a gift that could get bigger and bigger, you know. Absolutely. Like over time, you feel like I could only afford a $20 gift. Great. No worries. Like that's a fantastic gift. In the future, it's going to be worth way more. But like, how do you actually do it? So there are lots of different ways to go about it depending on who you're giving gifts to and how much you want to spend. So before we get there, I think it's also important to highlight here, we have an episode on investing for children, because that's actually a completely different ball game than me gifting you money

for investing, right, Bec? Because if I give you a gift, there's no tax implications. But if you are going to invest on behalf of a child, because you are probably their guardian, you're going to have some tax implications there. And if it's in the minor's name, those tax implications are even higher. So I'm not going to get into it too deeply because there's an entire episode on it, but essentially small human beings get taxed astronomically, like over 50% when they invest. So a lot of the time it's smart to keep it in your name, but that's a decision that you can make and work out because a lot of people in our community, they also go, oh, instead of investing individually for my child, I'm actually going to buy what's called

an investment bond. Right. And that is a really tax effective way of investing for a child. So maybe an investment bond becomes a kid's Christmas present. It sounds less sexy, but we can frame it up. And you know what we can do? We could jump on like Canva and make up like a little gift certificate. So it feels a little bit more exciting, right? That's pretty cute. Yeah, I know. Anyway, so I just wanted to caveat it that way, because obviously there's a few different ways we could invest, but for kids, it is a little bit different. Again, There's a whole episode on it. But the first thing is shares, right? Like shares, stocks, my favorite thing in the entire world. You could use platforms like Sharesies where you can

actually gift individual shares or contribute to a share portfolio. So that's when you know someone has a specific holding or like, I know Beck, you invest with Sharesies because you told everybody on the podcast. So that makes it really simple. But if it's someone that you don't know invests yet. Like you could purchase shares in any way. To be honest, the best way that I would do it is actually to give them the money so that they can invest in their own name because it's very hard to transfer a share to somebody else's name. Whole heap of admin that you don't want to do, but you could draw them up a really cute like quote share certificate on like Canva or something and then give them the money and be like, this money's intended for you to invest.

I imagine if you gave me cash, you know, that's going to. I know you're not going to do it. Yeah. So you could get an investment gift card. So platforms like Sharesies and other platforms as well. And this isn't me just promoting Sharesies. It's just because I know it the best at this point in time. They offer investment gift cards. So if I give you an investment gift card, you can choose your investments, but you can't spend it on anything else, Bec. That's very helpful. Actually, that's great. It locks and loads you, right?

That's what we need. Or you could talk to the person that you're gifting about an ETF, right? So you could do some research for them and I could say, Bec, I know your likes and dislikes and I've picked out this ETF and here's a gift card. I'd love you to buy this particular ETF because it aligns to your values. It's ethical. It's moral. Oh my gosh, Bec, they only have women on their boards. I think you'd be like, oh, thanks for the research. That does sound aligned to me. And I think it's just a really fun way to go about it. Also, an ETF, it's a bucket of shares, right? So an ETF, lots of people throw that term around because they like to confuse us in the investing world. It's

called an exchange traded fund, which feels even more complicated, but essentially it's a bucket of shares that someone who has the knowledge and the power and is an investment manager has picked this list of shares. It could be 20 shares. It could be 200 shares. It could be any amount, right? But they've picked this specific amount of shares and put it all in this bucket and said, if you put your money in our bucket, you'll get instant access to all of these shares. So you get the average return of that list, as opposed to just me giving you one bank share. Yeah. Does that make sense? Definitely. So that's a good way of making it a little bit less risky, a little bit more diversified. And I know it feels a little bit personal. Yeah. Very thoughtful. For your

friends who are maybe a little bit more conservative, you could pick a bond. My favorite way of explaining a bond is like an IOU note. Okay. So, if I gave you an IOU note, you have this little piece of paper and you go, V, are my cashes in one day? And I go, you wait 10 years, Beck. But essentially what happens is the government usually issues what's called a bond and they go out to market and they say, hey, Beck, we want to build some new roads or we want to build some public hospitals or some infrastructure for our community, but we need some funding. Like we don't have the cash for it today, but we know that if we do this, we'll have the cash in 10 years, right? So they go, Beck, we borrow your cash and we'll give

you an IOU note. So we give all your cash back when we're done with it, 10 years. And along the way, we'll pay you 5%. Is that cool? And you go, okay, take my cash. Can I have my IOU note? And I'll cash it in later when this term expires. 5% per year? Yeah, often. Often. So it just depends on what the bond is and how much it's paying, but it is usually a safer option or a less, quote, risky option than an ETF or buying shares because here in Australia, bonds are AAA rated. So, what's that mean, Bec? It means that in Australia, historically, a bond that has been issued by our government has never not been returned. So, they always, always, always have historically given our money back. Can't say the

same for the Greek government though. Oh. They don't really like giving their money back. How do they get away with that? Well, their entire economy is in a lot of debt. I see. Yeah, I see. So like they're in a bit of a pickle, you could say, Bec. Sure. But in Australia, bonds do return. So they are seen to be a less risky gift that if your friend's not ready to invest in shares or in, you know, ETFs, they might feel a little bit more comfortable with that. Also. That's cute. In most investing portfolios, a bond makes up a really good portion of like a stable investment. Yeah. Think about an investing portfolio as a pie chart. Usually you would, you know,

draw some lines through the pie chart and then fill in the blanks, right? So like for somebody who's a bit more of an aggressive investor like me, I have my pie chart, but most of that pie is actually made up of shares. And I do have some bonds, but most of my assets are in shares. but if someone's a bit more conservative they're like oh put the brakes on I'm not ready to invest in shares as aggressively as Victoria is they seem to be a more conservative investor they still have their pie right but their pie is cut up and most of it is made up of bonds and cash and less risky yeah less risky things and they might still have shares and they might be identical to mine they just own less of them. So the pie's cut up in different ways. But it doesn't mean that the

asset is more risky. It's just seen to be a more risky portfolio because it has more shares instead of the like stable things. Yes. Does that make sense? Totally. I think it's really cool. Imagine like I gave a hundred bucks in a bond right now and then in 10 years time, because right now it's like, oh, thanks. Like I can't even see this money for like a decade. Yeah, but it's starting to pay off. They're getting that back. Maybe double. Exactly. I'm not very good at math. Money should double every 10 years and an average rate of return based on the Australian share market, your money should double if you're investing in the Australian share market every seven years. That's a good deal. That's really, really good. That's a good deal, Bec.

So you could actually make this gift as big or as little as you want. You can tailor it to how involved the person wants to get. And for someone who's totally new, maybe starting with a little bit in shares could be exciting without being overwhelming. And as you just explained, like investing can be a little bit different for kids. So just keep that in mind. We do have a whole episode on that. Yeah. And I mean, it can be really cool. So I have had, you know, Glenn James, my friend from This Is Money or Money, Money, Money. Okay. He has lots of different pod names floating around at the moment. He talks about how he invests for his niece and his nephew and he has an investment bond for them that every year instead of Christmas and birthday presents,

he just contributes more to that investment bond. Wow. And so that's something that Steve and I have set up for Harvey and that's what we will be doing because I won't say it's the most tax effective for everybody, right? Like this is a very privileged thing for me to be able to say and do, right? I'm just being completely transparent. But because Steve and I are high income earners and our tax is at the highest marginal tax bracket, an investment bond works best for us, right? So we've decided that we want to invest for Harvey and we've done all of the maths in the background and gone, well, what does this mean? We really want to invest for him, but it actually isn't financially a very smart decision for us to invest in Harvey's name,

nor is it a smart decision for me to go and buy shares that I, you know, pretend are Harvey's and I'll transfer to him one day because I'll have a whole heap of transfer fees that I need to pay because you can't just transfer easily and be like, oh, here's this gift. Like the tax man's going to be like, hey, see how you had these shares because Harvey has been investing now for 18 years. So what you're going to have to do is pay capital gains tax as you transfer that over. And I'm just looking into the future and going, I know I don't want to do that because what did I say before, Bec? Money is on average going to double every seven issues. We're going to have hopefully a really big capital gains issue because we've made a heap of money,

but I don't want to pay their tax man. I do love paying tax. Don't get me wrong. It is an absolute privilege. Bec, the more money you make, the more tax you pay and the more tax you pay, the more privileged you are. That's a good deal. But if I can avoid it in the future, that's a good deal too. That's good. Why not? So, an investment bond has made the most sense for Steve and I in our personal situation, but it doesn't mean that'll work for everybody. You might go, it just makes sense for me to have a few shares in my own name and I will, you know, deal with it. In fact, the entire reason I have shares in my own name is because I really want to teach my kid about the concept of investing

rather than have them, you know, have a house deposit when they, you know, are 18 years old, because that's just not financially viable for me. And so I think it's important to work out what works for you, which is why we have that episode. But I don't know, I feel like I owe you guys transparency as well to be like, well, this is what I'm doing, but also this is why I'm doing it. Because if I just said, oh, Bec, well, we've chosen an investment bond, you might go, well, that makes the most sense then, because if they did, it must be the best decision, right? like if Victoria is doing something and she's you know a money person an investment one must be the best outcome but that doesn't mean it is for you does that make sense yeah definitely and from

memory I know this is in the episode but it's a higher tax bracket so people don't kind of like take advantage of like putting money in their children's name is that you make me so proud thank you yeah so it's come into play because rich people can be really dodgy there and what they do is they set up these family trusts because they've got fancy pants accountants and they can afford to set these structures up. And they go, all right, I'm going to put my kid back in this structure. And every year I'm going to distribute income to Beck. Because as you know, the first 18 or so thousand dollars that you earn, you don't pay tax on, right? Right, right, right.

So if I paid my kid 18 grand, tax-free money coming out. And then they just go into their kid's bank account, pull it out, tax free. Okay. Dodgy. That is not okay. So to get around all of this, the ATOs going, nah, nah, nah, nah, nah. What we're going to do is miners can only earn up to $416 per year from investment income. So that's a pretty good deal. They could absolutely earn, you know, a couple of hundred bucks before this comes into play before facing tax rates of 66%. Whoa, that is astronomical. Right? That's higher than the highest marginal tax rate in Australia. And they're doing it so that you're turned off doing that, right? I see. That's pretty good. And I think there needs to be like more flexibility in this area because like some

of us, we're just doing the best that we can and we're genuinely investing for our kid. Like what if your kid was one of those like target models? Like, you know, the little kids in the target catalogue? Yeah. Like what if they go and they're earning their own money and then mum and dad are being smart about it, and they're investing it, like they shouldn't be crucified for the money that they're earning. But the Richie Riches of the world took the mickey and now the ATO were like, we're just going to ban that. Oh, that's really sad.

Yeah, so anyone under 18, that applies too. However, Bec, that doesn't apply if they've earned the money from paid employment. So, like, if a kid is, you know, 14 years and nine months and got their first job, obviously different tax rates apply. This is just for passively earned income. Oh, okay. Gotcha, gotcha, gotcha.

Again, to stop the sneaky fancy pantses. But at the same time, I think it's important that we understand why that exists so then you can pick a structure that makes sense. Because if you were just investing pocket money back, maybe it's of absolutely no consequence to you and you're like, I don't mind if my kid has $15 worth of shares in their name and they're trading and making less than a dollar a year on it. It's their financial education. You just have to be aware when you're making more than the 400-ish mark, right? But, Bec, as you said in the intro to this podcast, one of my love languages is thoughtful gift-giving and you weren't making that up. So, let's take a really quick break because afterwards, I'm going to give you some

ideas on how to choose the right investment for your gift and make it more thoughtful and more meaningful. All right, we are back, everybody. But before the break, V, you did promise us some tips on how to choose the right investment for your gift? I think again, like you, Bec, I wouldn't go, all right, well, I've just purchased you some shares on SelfWealth because you'd be like, oh my gosh, that is an overwhelming, confusing platform. It's a great platform. I have used that platform and still hold assets on that platform and I really like it. But I was an ex-financial advisor and I really like the way things work on there. However, you're a sharesies girl, right? And you just like the fact that it's on an app. I can almost guarantee

you've never logged into your Sharesies account on a computer, have you? No. Yeah, exactly. So we need to think about picking the right investment for the right person because self-wealth, it doesn't have a very good app. Like it's very much a desktop user experience. So that doesn't make a lot of sense. But the first thing I'd really want to think about here is time period. Like if somebody is investing, how long are they going to be investing for? So if you're like, oh, I really want to get Beck to invest and like let's pretend that you're a rich boomer.

Rich boomer, okay. Channel your rich boomer energy. I would love to be that. And you want to invest $1,000 for Beck, right? Yeah. Yeah, we really want to do that. But Beck is currently saving for a first home. Is that the best decision to make?

I see. If I invested $1,000 for you as a rich boomer, because that's, you know, who can afford to give in my head presents that are up to the value of $1,000 each, right? Totally. if we were doing that, does that then mean that you're going to pull that money out pretty quickly to put towards your home deposit? Right. Yeah, yeah, yeah. Because you might go, shit, that's $1,000 and I'm really aggressively saving for a house. That

would be much better used here. I think we've got to put our thinking caps on and think about the timeframe. If you are investing for them or if you are purchasing a gift card for them to invest, like how long are they going to hold it? And then how easy is it going to be for them to manage it? I think we need to have a good think about that because I know that if I purchased you something like a gift card where you could pick your own investments on the platform you already use, that's thoughtful. That's meaningful. Me picking something completely rogue, that just feels controlling. You know what I mean? Right. And I might never actually be able to use it because I don't know what to do with it. I don't know where to go. I don't know anything.

Exactly. I see. And how can we like add some personalized touches to make the gift even more meaningful? So here's a few different ways that you could make this gift really resonate, I suppose. I see. Relating to long-term goals. So say you're, again, Rich Boomer, it's a good example. And you are saving for your first home, Bec, but you're not very close. Like, you know, it's going to take another seven to 10 years to purchase that. you could write a really beautiful card and be like I know that this is hopefully gonna

grow into part of your home deposit so like you know it could be for like an 18 or a 19 year old you know like I want you to put this away because it doesn't make any sense right now for you to purchase property but I'd like to give you this money in the hopes that by the time you purchase it's doubled yeah wouldn't that be cool that's pretty cute exactly and then I think going back to what I was telling you before about choosing investments with meaning so like if you're going to pick a share or an ETF, I would relate it to that person's interests. So like if they love tech, maybe you could buy them like a tech company. Yeah. Like wouldn't it be so cool to like make up a fake Apple gift card that then said on the back, haha, these are shares. Yeah. I just think

it would be so cool. That's pretty cute. You could also always include a personal note. I'm a very big fan of like writing proper Christmas cards for people. Yes. So you could write a Christmas card for somebody that says here's a little start to your future I chose this because it aligns with something I know you're passionate about like and tell them how much you love them all of that like to be honest all I want for Christmas is Christmas cards anyway here's a good idea Bec you could include it in an investing book huh so you could pair an investment like a little like investing gift card with I don't know maybe like a beginner friendly investing book that's won some awards like, I don't know, investing wishes on the money. So this like sets some, I guess,

realistic expectations. It explains markets ups and downs. And it really emphasizes that this gift is all about long-term wealth creation and growth and helping them be the best version of themselves. Yes. But like, I don't know any investing books. No, I don't know a single one. But hypothetically, if you were to pair it with an investing book. Yes. I'm going to link one in the show notes that you guys might like. Hypothetically. That I might have written. Maybe. And no pressure, obviously. No pressure, but it's a really good gift. And also like, low key, we spent so long back on the covers of those books. So if you wanted to buy multiple, they look really great as a little set for Christmas. They do. They look lovely as a

coffee table book. Yeah. Bedside table book. Bedside table book. Any stylists purchase this book, put it on people's bedside tables when you're selling homes. Yes, yes, yes. I mean, it's just a core, isn't it? It just makes sense. It just makes sense. Just have it in there. You could use it as, I don't know, a monk holder if you're not into reading. A coaster, a beautiful coaster. A coaster, fantastic. A doorstop. Doorstop. Same pitch. Anyway, I think, Bec, that that's probably the best Christmas present you could get someone is basically, you know, my books. Yeah. That's true. Okay. So that's our guide to giving a gift that's way more exciting than socks or any other candle. I love a candle. I do love a candle. Sunday blue candle if you're

looking for candles this Christmas. That's not a paid sponsorship. They just have this Mediterranean blood orange candle. That's stunning. All right. We're done. We're done. Sorry. Well, okay. This holiday season, why not gift something that grows with the person or maybe even inspires them to learn about money? That's a really good idea. I think it's a good idea. And think of it as like a little financial seed that you're planning for someone, whether it's shares, an ETF, an investment bond, a book, an investing course that you might want to give to someone for Christmas. I think it's a gift that could turn into something much bigger over time. And there's literally nothing more festive than the idea of a future that's a little brighter, Bec. And who

knows, you might even spark a lifelong interest in investing. Can you imagine? I know. Drag them into my community. You could literally change. Merry Christmas, Bec. I'm going to add all your friends to my Facebook group. Thank you so much. That is a great gift. You could change the trajectory of someone's life in a good way. That's my plan. That's literally what I've been trying to do this whole time. That's fantastic, Bea. Oh, that's what you're trying to do. Okay. I think I get it now. If you're feeling extra generous this season and want to give the She's on the Money team a little holiday cheer, consider leaving us a love note in the form of a review. But also probably just put the actual love note in the review. A love note might actually

be nice if you could. But seriously, it gives us a warm and fuzzy feeling. Yeah, absolutely. And on our Friday episodes, we have started reading out our favorite five-star reviews so that you might find yourself on the show. Reviews actually make a really huge difference to the performance of our show as well, which helps more people find She's On The Money and join our incredible community. So if you do have a few moments, we would love to hear what you think. It's the best gift you could actually give us this year. That's so true. Okay. Happy gift giving everyone. Here's to thoughtful presents, bright futures, and maybe a five-star review or two. Oh, just a cheeky one.

Anyway, have a good week, guys, and we will see you for five-star reviews on Friday. Woo, 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,

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