The Edge Breakfast - OVERTHINKERS | 125 | She sold her dead grandmas what!?

Episode Date: September 20, 2026

Clint and Dan are joined by Edge Night Show host Lucy, who steps in for a sick Meg, only to have her financial life completely exposed. Between roasting Dan’s high-mousse 20s throwback photo, contrasting old-school store lay-by with modern $3 sushi Afterpay habits, and running live credit score checks on-air, the trio tackles the funny, chaotic realities of age, debt, and bad money moves.

This is a podcast from Rover. This is the Overthinkers podcast. Hello and welcome, Clint Dan and Lucy, who normally does the night show on the Edge station that we all work for, but Meg's away sick, so Lucy's hanging out with us. Hello. Happy Monday. Happy Monday.

A bit of a promotion going from nights to the breakfast show, or is it a demotion? No, it's a promotion. I get to hang out with you guys. Now, do you get Meg's celery for the day? Well, I think that's a conversation I need to have with Jack after. this, yeah, but I need you guys to like pitch in and tell them why, okay? I need some

back up. What do you want us to say? Just say that like I'm real like fun to hang out with, real easy going and I hype you guys up and I don't call you old. That's not true. You said on the show, on here that I was old. When I said how old are you? You said 20 old enough for you to be my dad. But there wasn't a dig. I feel like that's factual.

I mean it is true like statistically and mathematically it could happen quite comfortably. Well I think your dad could be anyone from like 34. You would have been 20 when you had her though. That's normal. It used to be normal in the olden days.

No, Clint, I think... I wasn't around then, but, I was it around then, but, I don't know. Clit looks at age. Now, here's the thing about Clint. He looks at age in a negative way. When really, he looks better with age, I reckon. Look, if you look at photos of Clint when he was in his 20s, minger. Actually, I'll give you that. I don't actually think you've aged.

No, I don't look at it in a bad way. There are things, I suppose, when you have kids, as that. getting older, you start realizing those moments and things are like slipping away on you. I'm still really loving where I'm at now, but I'm worried that I'm at the, you know, they say life begins at 30 and then people who are 40, like, no, life begins at 40. But at some point, you're going to stop climbing the mountain and you start going down it. That's the worrying thing when you realize that your peak might be over or that you're on it already. Yeah. You're going to celebrate

the moment. Here's a photo of me when I was still older than you here. Okay, how old were you in the photo? Lucy, I'm 23. Okay, three years? So you tell me now, I know this is a very visual gag. Oh, she wouldn't have wanted to go out with you, mate. Would you say that I've aged? Now, be honest, be honest.

I want to be nice here, but, you know. No, be honest. I don't want niceties. I don't want you to, you know, pan to my ego, which is non-existent. Oh, yeah. And just be honest, do I look better with age now or did I look better with youth? Okay, revealed. Why are you mocking like?

like that it's almost like you're trying to make your jawline look sharper. Oh fuck. You've got like another bitch! That is, you kind of look like Alex Warren in that. Oh, I'll take that. There's a compliment. There's another photo. Oh, he does.

Mate, you, were you trying to give yourself another three inches of height with your hair? I know I had a really buffy hairstyle back then. What were you using? Jail, Moose. Probably a bit of both. Oh, gosh. Anything I can get my hands on? You look better now.

I was going to say... Really, honestly? Yep. Stop flirting with that. I was going to give a reference boy, but Lucy won't get it. I was going to say, he looks like Beavis or Butthead. No, all both, a bit of a mix of both. Are they from Harry Potter?

Fucking hell. Wait, no. No. She just asked if Beavis and Budhead are from Harry Potter. They sound like Harry Potter names. Like, Draco and what's up on? The real dumb one? Oh, what's his name?

Lever. Lever. Lever. Lever. Oh, Neville. I love him. You kind of remind me of him. Yeah, have you got a computer?

Just type in Beavis and Butthead. And one of them, the blonde one, that's what I think Dan looks like with his hair. Is it from a show? Yeah, it's from a show. Beavis and Butthead. And he looks like Beavis. Yeah, with the... I think Beavis was the blonde one.

See? Yeah. Jesus Christ. I like... It's the underbite. He's got the underbite and he's got the really high, like, here. And you do flee your nostrils sometimes. You go, yeah.

Yeah, and you do do that a lot. I noticed that today. I said I didn't have an ego, but clearly I do, because it's been dented quite a lot. Now, Lucy, we've had you in before on the show many a time. Quite often we've spoken to you about your, dare I say, it's spending habits. Yes, yeah. And you're prolific on an app called Afterpay, which New Zealanders will know is a Laybuy app where you can buy something in pay later type situation.

People overseas might not have heard of it. Do you know how Layby used to work? because you're so young, I'm intrigued. We can educate her almost in every conversation. Wait, Layby is the one, it's the purple app, eh? And then afterpay kind of like... There was no app for Layby. So what would happen was like, say Mum wanted to buy...

I was going to say Pear fry, but they weren't existent then. Let's actually want to buy a microwave. Okay. So Mum would take the microwave to the Layby counter, and they would take it, and then they would put it on a shelf, almost be like, when you've paid it off, it's here for you. And then mum would go and make multiple. visits and go, I want to pay $100 off the microwave, and they would keep the receipt,

and then she'd go back the next week and pay another $100 off. And then when you had paid it off in full, they gave it to you. Oh, my God. To take home. That's actually really smart, because you don't get it before, like, you can't itch the itch because you've not got it yet. I remember this is the very, one of my fondest memories as a kid. And this will show my age as well.

But I remember my mum put a stereo, like, well, you know, I used to get, you remember this, you used to get a ghetto blaster when you're a kid. Like it was like a, you get like a Sharp or Sony Ghetto Blaster and I remember I had one on Lay By and I was paying it off I get pocket money each week and I'd go into I can't remember what the shop was but I'd go

in there every week and put like $20 on it and it was like a $600 thing or whatever Because otherwise if Dan waited until he could afford it it'd be gone Like it moved on And I grew up in a single parent household So my mum worked like three jobs to make ends meet and stuff So we didn't have lots of money

And I remember going in and paying $20 down and thinking that I'd still had $300 left to pay and I remember the woman going, okay, there you go and you can, and she handed it over to me and I'm like, I've got hundreds of dollars worth to pay and she said your mum came and paid it. Oh, stop. I think they should bring that back because on afterpay, you don't actually see the money coming out of your account because you can pay like what, say DoorDash,

I don't really bad. So I just say it's sushi, didn't afterpay that, guys, you'd be proud. But like $3. Can you afterpay sushi? You can also pay anything. St. Pierre says afterpay, shout out. and is great. And so you pay like $3, right, and you only see $3 come out of your account.

But you get it instantly, like the gratification is there. Lizzie, can I go through your afterpay? Give me your phone. Wait, is it just like a credit card for kids? No, not for kids. Yeah, no, but you know what I mean? Like adults like us have credit cards. Children like Lucy have after pay, which is pretty much you're just putting it on credit.

No, I got it down to 900 from $100 from $100.000 on afterpay. Okay, so some of them will be daughter, so can we not out there? I love that you let me go through it. Okay, so we've done this before with Lucy's phone, but let's do it again. So in 15 days, she owes $500. Wait, do I actually? Yeah. Oh, shit.

Wait, so what happens? If you don't pay it like a credit card, they just put a percentage penalty on it? $10, like, daily if you don't pay it. That's the interest rate. Wait, so that's really high. Yeah, so she's got this coming week, she's got to pay $6 for a DoorDash purchase. Okay. She's got to pay $54.

Jesus, so that's one of four. So you spent over $200 on a Pat Mollinger. Menzies's pair of shoes. Oh yeah, the timbulins. Yep. Great pictures. Oh yeah, you needed those when you're already indebted. No one needs a pair of timbrelins.

No, like, did you have a fancy dress party and you had to go as a gangster or something? And you were like, I don't have any timblins. No, they look cool. And I was sad. I don't know. I was sad. Clint, these are all her active orders that she's still paying off. Okay, so I'm just going to go through what she's got.

I'm just a girl, guys. So she's Uber. She paid $15 on DoorDash for an Uber ride. Okay. This is so dangerous because I'd be so the same. was you Lucy. Even though I probably would have the money to pay for it, I'd still go but that's my money.

There's a DoorDash for $20. There's a chemist warehouse for 60. There's an Uber. There's a DoorDash. There's a Sisters New Lynn. There's an Auckland family. What's that? Auckland family. Donation. Auckland Family Dental. Oh, okay.

Okay, so you had a filling done. No, no. Hygienist appointment. I like to keep the teeth thing. Okay, 70. Or at least you're doing that, I guess. Another Uber. Another DoorDash. Another Bayley and Nels. Bailey and Nelson My glasses Oh okay

I got three pairs I only needed one But I couldn't decide Between the frames Unbelievable No but you know Like I think everyone has this idea Of you should save

And yes you probably should Hypothetically But in my brain I'm only going to be this Age once And so I might as well have fun And not feel like I'm missing out on Say Timberlins

Or getting my eyebrows But don't you If that was me And this is maybe the difference Between you and I And maybe I'm worse off for this But if I look at that thing that says in 15 days you owe $500,

that gives me instant anxiety. You just don't know, if I don't, do you have $500 now? No. So doesn't that go now to, you go, shit, how am I going to find that money? I figured that out the day before. Like, I think it's one of those things I get the email reminder,

and it's like, Lucy, remember your payment tomorrow. And it's like $500. And they're like, right, then I need to deal with it. Yeah, but okay, so say for instance, you get a thing, you owe $200 tomorrow. You don't have $200. What do you do? that's a good question

I've actually never been that bad with it that's a day before's problem yeah I haven't thought that through just hold on or sometimes wait this is really bad if my dad's listening can kill me but I when I was younger me and my grandparents would like work together

to like put some money into shares like I'd save up and put them in sometimes I've done this before no it's really bad I had like a share that was slightly going down so I'd just sell them all and use that money to pay off the after pay and then my dad would get one of the

kind of notes in the mail saying because I don't live at home anymore, but they'd get the mail and be like, gosh, you sold blah, blah, blah of this year. And he'd be like, where's the money going? And it's the power of my half to pay. And you're dead. Grandmother's money.

Oh, no, she's, well, she is dead, but it's my grandparents, yeah, my life once. We don't talk about it, though. Yeah. And in 10 years time, when you look back and you go, fuck, I used to have stocks in Tesla. They've skyrocketed in the last few years. And I took it all out to pay from...

It's a sushi. Septemberland. You need to get stocks and doors. and afterpay. I know. Do you know what I need? I need after pay to sponsor me or something. And then that way, I'll just make a video for them and then they can just pay off my $500.

I genuinely, I'm the same. If I downloaded, that's why I don't download afterpay. Because I would be a recidivist on it. Well, it's the same as buying a car, right? Like, I need a car right now. But everyone goes, don't buy one on finance because then you end up paying so much more in interest. I made that mistake when I was in my youth.

But it's just like afterpay. You would have done that, Clint. You were a car guy back in the day. I never paid a car off on Tick until, like, my adult life until, like, only the car I have now is the only car I've ever put on Tick. Oh, really? I remember when I was my first job at Westpac Bank. And I remember you got, like, because you worked at the bank, you'd get, like, cheap deals on home loans. I mean, like, loans, like, personal loans.

So I remember going in and I had, like, this thing, what they call it, customer needs analysis, a CNA, I think it what they call it. And you'd go in, and the person would go, you could, you know. And I remember the guy going, you could have $15,000, we could lend you that now if you want it. And I remember my brain going, I could have $15,000 just given to me. And I went, yes, please. And I went brought a WRA.

Oh my God, I'm absolutely. Yeah, blue with gold wheels. No, not the gold wheels. Yeah, blue with gold wheels. And fuck, I was shit hot, man. Driving around with your underbite. I'm going to now see loose to try and talk finance you. a little, I guess now I go, well, if I've got a mortgage, so if I go throw the purchase

car, or the purchase price of my car on my mortgage, I'm going to be paying, say, 5%. Let's buy a car 50 grand. I'm going to be paying 5%. Okay. I would back myself to be able to put $50,000 if I had it right now, so I could buy the car outright or I paid off. I could put $50,000 in an investment if I'm investing in the right things, and I could make 20% on that 50,000. So I'm better off paying off my car at 5%. and putting my 50 grand into somewhere else. Yeah.

I guess that's the gamble you make on yourself as you get older. But when I was younger, I mean, shares didn't exist, and I don't know anything about that. And I don't have the 50 grand in the first place to be putting into somewhere else. So I'm just like, take out the loan and just, you know, do not if I can't pay it back. Kel, who is on the day show on the edge. I don't know if you listen to this podcast and also listen to the show. But I was around his place having a few drinks and I saw a fine stuck to the fridge.

And I said to him, and I was like, oh, cow, mate, this needs to be paid. And he goes, no, man, you got 28 days from the due date. And I go, yeah, I just did the maths, mate. It was due Thursday. And it was like, Saturday. Was it a parking fine? Yeah, well, just had police or something.

And I was like, mate, this was due 30, like 28 days ago, was two days ago. And he's like, oh, fuck. Ah, wow. And I'm just like, my brain doesn't work like that. You know, Jono Pryor, who does a radio show and I know, like Jono and Ben, Johno, just to work with him.

And he's really bad for that. So he knows that you'll get a parking fine and it's got 28 days. And if you don't pay it, then it goes to Bay Corp. They're like a debt collecting agency. And he knows that then you get another 28 days to pay it before they start adding payment on. So he'll always wait for Bay Corp to send a mail. And so he didn't realize that that affects your credit rating if it goes to Baycorp. And so for his whole youth life, and I think even when I was working with him,

which he was in his 30s, he would. and married with kids, he would wait for Bay Corp to send him a letter. So his credit rating must be up the shitter. After Bay Corp, it then goes to the court and you get like summon. Because I got a couple of those at high school because we used to like... Honestly. No. And my mum would be like, you need to pay these.

So I probably paid off a couple hundred and fines. I still am probably paying her off. But yeah, they were actually taking her to court. And I never believed I was like, they're not going to take a 16 year old out of school to go to court to sit there. They shouldn't pay a Honda Civic ticket, $5, whatever. Lo and behold. Yeah, and then I looked at my credit score and it was 600. Oh, 600 out of 1,000.

I don't know what that means, but it was in the red zone, and I'm only 20, so I have to, yeah, think that. Can you check your credit score right now? Is there a way you can just do it online? Me and Ollie from the night show, we did it together, and we talked about it on here. What is it? I'd love to know, I've never checked. Right, let me find the...

I think you have to go to, like, it takes a while. You can't just, like, open a thing, you have to put in details and stuff. You've got put in your ID and it runs my credit report. Here we go. And then you've got... Centrix is the thing that does it. And then, wait, sorry, let's put it in my birthday. Score.

Submit. Right. Centrics Credit Bureau. Yep. And then you can see. Okay. And it's like red, yellow and green. You're out of 1,000.

And you are, no, sorry, it goes red. Then it goes to yellow, then orange, then red. And you're just where the red's sort of turning into orange. Yeah. And then if you go down, it's afterpay because I think I didn't pay twice. Hi, I'm not getting a house loan. I'm actually going to be renting for the rest of my life. You know what?

Don't bother. The house is up making the same money. money they used to. It says you might get credit cards, loans and utility services, but these may have additional conditions. Oh, like you can only have a limit of 2000, not 4,000 or something. Yeah. Oh, wow. Because my afterpay limit doesn't go up anymore. And some people have four grand on afterpay and I can only spend up to two grand, which I think's a bit mean. Do you have to pay for that? No, it's free. They do it for free. And then I think the idea is they want you after to go to them and be like, how can I help change it? Oh, I've just got mine. I'm 839 out of

thousand. What does that mean? That's really good. That means like you're like trustful, not high risk. Yeah. Okay, I wanted you. That layby paid off when you were younger then. Yeah, well that layby, eh? Yeah, your money, you say thee. Your report is 839.

Overall, your credit situation appears stable with positive signs in your recent activity. Oh, that's good. Did you pay for mortgage or something? I've got a mortgage. Oh, but that's good. Well, I'm being monitored for something, my credit card. Oh, my credit card's been paid late sometimes, apparently.

How long? It's a month pay for credit card and then you have to pay it all back. Yeah. See what's having an impact. So, wait, yours was 629. Yeah. Dan's yours was what? 839. Yeah.

Okay. Now, what you're witnessing is in New Zealand first, Clint's signing up to a fair score thing. I've missed a payment on... How did you do it without putting all your bloody driver's license? No, I must have had it. I've had it recently, so I went in and it said you've already low... Yeah, mine did take 10 minutes to come through, Clint. If you're using that website.

Another time. I assume you both would be good though because the age you guys are at. Like you have ours. I'm assuming you've got credit cards, you're paying it back. Apparently I register for a $45,000 personal car loan. You can? That's interesting that the credit score company, no, I don't have it, but I can if I want it. I could get a $45,000 car loan.

You could buy Suzuki Jimney, 26. You want one of those. You give Jimney energy, mate. You absolutely should buy one of those. yourself.