The Vault with Financielle - “My Male Colleagues Got Payrises, But I Didn’t” | The Vault Episode 32

Episode Date: October 2, 2024

Send us a textVisit https://www.financielle.co.uk to join our community!In Episode 32 of The Vault, we discuss this week’s controversial opinion, “All debt is bad debt”, before diving into our listener dilemmas:“Everything I’ve done is about to be taken away”“I found out my male colleagues were getting payrises but not me”We celebrate a win from a listener who got hooked on The Vault after just one episode! They’ve re-downloaded the Financielle app, are diving into sorting their pension, and are gearing up to master sinking funds and take control of their finances! 🎉🙌If you’d like to share your money win, head to the community in the Financielle app or email [e-mail] your (totally anonymous) money dilemmas to [e-mail] and we may feature yours on a future episode 💌Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 252,000 customers saving with PensionBee. When investing, your capital is at risk.Sign up and combine your pensions here 🐝Chapters:00:00 Introduction00:55 Welcome to The Vault 02:14 Controversial Opinion: “All debt is bad debt”9:08 Dilemma 1: “Everything I’ve done is about to be taken away” 15:20 Community win 18:17 Dilemma 2: “My Male Colleagues Got Payrises, But I Didn’t”29:30 Final ThoughtsThe Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

Lucy's entering from the wrong side of the pod studio and tripping up over myself. Oh, I definitely didn't get the Adidas memo guys. Are they both Sambas? We're sponsored. Are they Sambas? These are Sambas, these are not. I don't know what they are. These are Sambas and these are not.

I feel like we're definitely settled well back into school routine now looking forward to the big Christmas plans coming up final push of 2024 I know I still feel like it's new year like so it's January yeah and I'm like oh yeah there's new year's goals we've got one quarter of the year to go what do you want loads of time for hit a money goal a quarter is good it's like not too big not too small like and if it's really chunky and massive break it down last quarter let's go yes let's go no that's so good let's go welcome to the vault with fine and chum this is a safe space where we talk all things life and money and no topics are off limits good morning good morning morning when we were sitting down

we were just shocked sorry guys just talking about goals and um it made me think so obviously we're we're last quarter of the year we're coming up and we've got 31st of december in our brains what would people listening like to do between now and then what's our email address is it the vault at financial.com yes send us an email now like not if you're driving and if you run into don't do when you're running but voice note us in or into the instagram or email us and we might do a session sharing what people said they were going to do because i'd love for you guys to all hear what other people are aspiring for and wanting to do and we'll be your accountability sisters because we will hold you know check in with you a little bit and then I'd love to be

able to know by the end of December what people did so that's a nice little task for you all the vault at financial.com what would you like to achieve financially? Or anything, but we're money here, so try and keep on topic. I want a six pack. I cannot help you there. Wrong podcast. Okay, I've got a controversial money opinion. All debt is bad debt.

All, like capital A-L-L. Yeah, all. I'm trying to think of an example where that would not be true i know but i just fucking hate this so good dead bad debt like why has it got personality why is it good and bad like what like it's sure sure what debt makes sense maybe but is it good and bad like really demonizing it versus making it angelic we could talk through the types of debt that there are and then maybe like workshop those so buy now pay later I would always say is a bad debt but at the same time someone that someone highlighted to me that I would probably was in a very privileged position to say that so

you tell a mother that can't get to the end of the month with money left over that on Christmas day she will not have any presents for her children nope you're right she will not have new school shoes for her children come September time she will not ever take her children anywhere out of the house because she can't afford to so I had to like check myself and that person kind of when I was explaining how terrible my appellator is and it's terrible for women especially and person kind of, when I was explaining how terrible my appellator is, and it's terrible for women especially, and they kind of flipped it on me with that. Just a quick one, Laura here. If you're wanting to take back control of your money, ditch debt, make better decisions, and build wealth for the future, the Financial app is for you. With Financial, you can track

your spending on the go, hit your money goals faster and create a realistic budget that you can actually stick to. Not to mention, you'll be part of an exclusive money community who share tips, offer support and celebrate your successes along the way. Click the link in the description to download Financial and start your free trial now. This is your sign to take control of your money today. Okay, I let's go back to the vault so you know which is why it's a debt factually it's not good for us mathematically it's not good for us but practically in some situations why demonize it and make it bad so we shouldn't call it that bad even though we don't like it and it was probably in i would hope invented by a person that was thinking of this woman at this particular time it definitely wasn't i know i'm like you know

everyone says you'll be buying up later for washing machines and emergency things and and we know that such a large percentage of them is just spent on beauty and clothing unfortunately and a large percentage of women women we've talked about this financial hangover of eating a pizza and then three months later still paying for said pizza like it just doesn't make sense so debt in that respect even though it's nuanced I would say is bad debt but then you look at something like a mortgage and so you know for those of us that want to be able to get on the property ladder at some point when we want to do that it is near and like no one pays cash for houses unless you're uber wealthy like it's just

a really hard thing to do and so you leverage your debt with an asset that's important because like when you're doing buy now buy later those shoes are not an asset like they may be nice but you know you're not going to be able to resell them for the same value. But what we'd hope typically with something like property is it goes up in value. And so if you can take out a loan to buy that property, then hopefully you pay down the loan and it also goes up in value. The downside to that particular loan, and I always tell people have a little go at this, look at an amortization calculator. I don't want to spell it but it's amortization I did say with the a on the beginning because you should really plug in the numbers and look at how much you pay in interest um because you could have like a 200 200 300 000 pound house but actually end up paying four or five hundred thousand pounds in mortgage

fees over the term of the mortgage if you didn't kind of change it around if you didn't overpay it and so um some people may say a mortgage is a stupid decision because you end up paying all this money but in reality it's kind of how we get on the property ladder when people use it to kind of see this has changed have you seen less property bullshit on Instagram since more interest rates changed. All those people that were like not percent down. You can use other people's money to fund blah, blah, blah, blah, blah, blah. And it's like, I bought this house. Then I bought the house next to it. Yeah.

Like it's some kind of game. They've been real quiet. There was a period. They've been real quiet. Where have you gone? Where are you? Where's your empire gone? Because there was a point in time where some people could

do that there was a point in time pre the first crash in 2008 like when interest rates have been cheap so people have been able to kind of do leverage it all properly but if you haven't ever paid down that debt and you've just continued all you've done is magnified the debt problem so you might have like a million dollars in the real estate, but you might have a million dollars in debt. And where are they now? Like it is silent.

And do you know what? All these people were making more money off courses, by the way, than they were actually houses and stuff. So this is not us saying houses are a bad investment, not us saying that you can't be a property developer, but the math isn't mathing right now for lots of these things. However, good debt and bad debt,

I can appreciate how a mortgage is like a sensible debt to take on because it's a secure debt with an asset. If you think about a car loan, for example, especially if it's like an asset bearing loan, so it's a secured loan by the car, that car goes down in value. So if you don't pay down that loan effectively, if you can't easily sell the car again and cover that loan. So it's an example of we just shouldn't leverage for things that go down in value or leverage for things that you can't resell like pizza. It's not a good idea, but we definitely say debt isn't evil. It just gets in the way of your goals. So if you want to play around with it, you play. I am constantly astonished when someone comes to us in the app and says, I'm now debt free.

I'm 35. I've been in debt since I was 18. I'm not talking just student loans. We're talking consumer credit debt. Consumer. That's all I've ever known. First day of 18 credit card. Yeah. like yeah i don't think that's good no you never really learn to manage manage your money you know if you're late if you're leaning on credit you are spending more

than you bring in and surely you're gonna get ahead a financially well life yeah is is spending within your means and sometimes we lean on credit and debt to fund the gap she's looking at me she wants me to summarise whether debt is good or bad and I can't so that's that and that is the end of my answer

take from it what you will okay okay dilemma number one And that is the end of my answer. Take from it what you will. Okay. Okay. Dilemma number one. Everything I've done is about to be taken away. I was in 50k of debt a few years ago and decided the only thing I could do was take out an IVA. I'm currently paying £373 a month and things were a bit tight. So I got a job closer to home and it came with a car allowance as I'm a surveyor and need to drive to sites to

inspect buildings. This has increased my take-home pay and I was just starting to feel comfortable again but my annual review is due and I've got a sinking feeling that everything I've done to be to make myself feel more comfortable is about to be taken away to pay towards my debts. Of course, I understand that this is what I signed up for. But my question is, if I pay more, will the payment term be reduced? Will I get out of the IVA quicker or will I just be expected to pay more towards the original debt? For so many people that go through these formal debt arrangements, there's just so much emotion connected to it. Because firstly, you've got to decide, I can't pay. I've taken on too much I can't pay my debts and you go see a proper debt registered debt advisor like a charity um and and you can make these arrangements so an IVA is like a voluntary arrangement where you say I can't pay them

and use an intermediary to come to an agreement with the creditor or creditors. And so say if you are owed 50,000, you basically say, I can't pay that. It's just not going to happen. And they kind of go between the two and go, well, what can you pay? And you come up with smaller sums to save, it might be that you actually end up paying 20 back or even 10 over five, six, seven years. It's like put in place, but it's based on your earnings at that time and you have these reviews and every time there's a review, if your salary's gone up,

a little bit like student loan payments, a little bit like tax, like everything, more will get paid. Typically, it will not show on the term. The term is agreed. What will actually happen is, and to be honest, it's probably fair, the creditors get more.

So they had agreed to take 10, but actually they're going to be able to get more what they've written off actually they can recoup they can recoup a bit more and obviously the debt advisor because let's be clear like debt advisors get fees for this every time as well there's lots of hidden fees in IVAs that that it's just a world I just always would say to people make sure it's the last resort make sure you've tried yourself make sure you've shared with someone else a friend ask someone else to help you with your money. You can speak to creditors yourself.

And sometimes if you're prepared to do that and if you can mentally handle that, you can get debts reduced or like interest frozen and stuff. I would want people to try a million different things before they get to that point. If you get to that point, you have to understand that you're kind of already getting a deal because you're already not having to pay back as much. Must be difficult. It's like when the student loan thing happens and you get a pay rise, you're kind of already getting a deal because you're already not having to pay back as much. Must be difficult.

It's like when the student loan thing happens and you get a pay rise, you're like, God damn it. That's fine, I'll pay later. Kind of financial hangover style stuff where you're like, my past decisions are like... I want to benefit from this pay rise and I can't benefit from this pay rise. Okay, listeners.

I've got a controversial money opinion from our friends at pension b pensions can be sexy yes you heard us right pensions can be sexy laura holly disagree agree i oh my god i agree 100 i think so many people reach out to us they ask how they can start their investing journey but spoiler alert if you invest into a pension, you're already an investor. And if you aren't investing into a pension, our question would be, why not? With PensionBee's website and app, they make it simple for customers to combine their old pension pots, contribute flexibly and withdraw their pension money all in one place.

You even get your own dedicated UK-based beekeeper, which is like an account manager to support you every step of the way. I personally have been a PensionBee customer for years and I wouldn't be so buzzing about my pension without them. Get it? Yeah, we get it. You love talking about pensions and PensionBee. Download the app today to get started or head to PensionBee.com for more information. And remember, when investing, your capital is at risk.

But what I would say is you head down earn more money don't be too frustrated at the fact that money's going to these creditors because you owe the money just write it off don't think see it as something being taken from you be proud of yourself that you're doing well and i guess holly like once they've gone through this process once you've paid it off oh my god think of your excess

I'm always like think of your excess when you get to the end of this but obviously if she's got a long term that's mentally very draining

isn't it like if it's that we don't know how long her term is we don't know I think we've read on the sub there could be

circumstances whereby they could reduce it but they don't typically everyone's situation is different you can only reduce it if you have the money

to pay off what you owed plus fees. So you'd have to find like the 50. Probably not. So it's very unlikely. You'd have to come to an agreement with them all that you would finish it early, but you'd have to. And you do have that option, by the way.

If you can pull together the money at any point, you might come into money later. You might want it gone. And that's what some people do with student loans, don't they? Where they go, do you know what? This is hanging over me and I can see the end in sight.

I paid mine off early. I didn't. me and my husband both had a bit of a lump sum of savings that's that conversation about what you should do with your savings versus debt but we piled it all together and got rid of it because you just don't want that mental payment every single month and like people are doing with car finance in our community they're going I don't want that for the next two years I want to own that car and I'm going to pay for it or I'm going to buy myself out the agreement or whatever it might be just to stop those monthly payments because they're they're really arduous they're really they just sit with you and it's mentally draining to do your budget every month and see your money going to everyone else which should be a really good lesson for younger people that might start to dabble in debt

just listen to these types of stories that will put you off for life yeah yeah no that's really helpful to share with others and and to for someone to think can i can this be a different way that they're meant to be for absolutely extreme circumstances and um at least giving us giving it a good go first would help avoid kind of avoid the the pressure of the IVA and the stress of it but obviously you still end up having to pay your money back so no it probably won't shorten the term but well done on your promotion you don't want yeah you don't want to like no don't take away from anyone's fire and and not be ambitious because they're like oh well any money I earn is going to go to that like no no well done you do yeah I've got a really good community with him I'm at the start of my financial journey. I had been

following on Instagram for a while and had previously downloaded the app but wasn't ready to commit to changing my habits. I listened to one episode of the podcast last week and I was hooked. Thank you. I've since listened to every episode, re-downloaded the app and I'm ready to go. It's encouraged me to do a task which I've been putting off for ages, tracking down all of my pensions so I can calculate my net worth. I need to get used to the concept of sinking funds but I'm excited to take control of my finances. Woo, we've got a newbie through the pod as well. We've got so many new people. Oh no, she's not a newbie. She's an older newbie. she's an older newbie she's an older newbie yeah welcome

back does take a while sometimes yeah don't you have to be the right headspace yeah it's like healthy eating fitness journey like if you're not ready like it just makes you feel a bit more miserable because you feel like you fail every week yes when you get into it and the rhythm and you find a community of people like we talk about our fitness journey quite a lot. We've found our people that are all like us, all live busy lives, have children, live locally. We're all in it together. And everyone is like an accountability buddy. And it honestly has dramatically changed

how I look at fitness. I used to be like, oh God. Whereas now I'm like, oh, get to see everyone. Yeah, every morning, everyone's like, who's going to the gym this morning? Who's on tomorrow? So the night before you're already like oh it's me like i'm committed i'm going you're like yeah so i get where she's coming from like right place right time but the

fact that she stuck with it and a lot of people download the app have a little bit have a little bit of a dabble but when they listen to the pod and they hear us talk about things in context and hear other people's dilemmas that's when things start to change how is she listening to us back to back though i mean jesus christ you must be like what the hell it was all you think all you think you know us like oh you probably do yeah like this is what we're like yeah yeah this is not a front we always laugh and say you could just put a microphone in the office this would be much easier you wouldn't have to dedicate all this time

to recording these episodes we'd have to bring Calvin with us do you fancy coming to the office Calvin? yeah documentary we like to know what you've got for lunch though oh yeah have you brought lunch today?

I haven't though wrong group of people the judgement that Calvin's facing right now you're missing your lunch today you didn't meal prep for the week after budgeting your grocery shopping we'll get him

next week ladies and gentlemen Calvin stars on the couch do you know that hot seat we were talking about last week? You're the first one. If you'd like to send your win, please head to the community in the app or email it to thevault at financial.com. Okay, time for dilemma number two.

I found out my male colleagues were getting pay rises, but not me. Are you angry already? Don't spoil the moment forever. My career journey has been a roller coaster filled with highs and lows. I started in a temporary admin role, was made permanent and then promoted to team lead with a pay rise. Another promotion followed, moving me to the project management office. Then I was requested by the CIO

to be his executive assistant when his previous assistant left. What's CIO? Chief Information Officer. Okay. C-suite. He was old school and led by fear, but when he left, a new boss came in

and everything changed for the better. This new boss was fantastic. He focused on people's strengths, created opportunities and did the same for me, keeping me in my EA role with added people-focused responsibilities. The culture under his leadership was amazing. Everyone was equal and opinions were valued. Unfortunately he left and the supportive environment changed drastically. I lost the person I reported to but I continued with my people-focused role. However, one day whilst in the kitchen, I was told I would be moving to support another boss, taking me away from what I enjoyed. Then Covid hit and I was put on furlough. Upon my return, I discovered through an email that my job was being reassigned to another team. Despite some colleagues trying to support me, they eventually left the company. Soon I was juggling two jobs, managing a new office and being an EA, nearly reaching my

breaking point. I was offered a small raise and a separate office role was created, but I felt this was only to prevent my departure. Then I was offered a promotion into a role that I knew was worth £25,000 to £35,000 more than my current salary. Although I had less experience, I was assured of a salary increase. However, my new role was announced to the company whilst I was on my honeymoon, with no contract or updated terms. I never received the promised increase or new terms and conditions. To make matters worse, I discovered that male colleagues who were promoted received pay rises whilst I did not. My new boss was made redundant and my learning and development plan was abandoned.

It felt like the company had forgotten about its people and communication was poor. Despite my efforts to keep morale high during the tough times, I'm now exhausted and disheartened. What should I do? How can I address this with them? And how do I make sure it won't happen to me again? feel like I've lost complete trust oh god I feel like I've been on the journey with you there is roller coaster of highs and lows one thing I want her to take from this is not to take it personally because it sounds like there has been some significant changes in that company it's not typical that you would be moved from role to role so much that so many people would leave that your boss would change from one week to the next. First of all... Red flags.

Absolutely red flags. There's something going on in that company that you don't want to be a part of. It sounds like you're a loyal person. It sounds like you've stayed there through their ups and downs. It might not necessarily be your ups and downs. It sounds like the company's gone through

significant ups and downs. It must be really hard when you're responsible for people. Yeah. You've got to be the face like your hr i know she's she might not be but she's talking about people yeah and and like you're meant to help with the culture you're meant to help with um how people are feeling but all the time you're absolutely being shafted like it's just so frustrating um that you must have like that I'm not surprised that took its toll and all the time I'm planning a wedding because it's like weddings are not easy to plan and navigate and um after Covid as well and so when you finally you've gone through these job

changes and rules and you're finding out things in a kitchen and then you spot an email and that is not pleasant stuff like that I think it's so unreasonable. You should not know the future of your career, effectively, in passing. And you should not have any job announced whilst you're not in the, one, you're not in the business and two, you've not signed a contract. Like that's the company taking the piss, quite frankly.

And it is a red flag. The fact that your male colleagues have got paid you've been given a little a lovely forgotten about that like I love a little I just I love don't you love a token pay rise when you when your male colleagues are getting significant pay rises as a woman like it happens so much especially in the same roles like obviously it's harder when the different roles but when it's kind of like for like and you've got knowledge of that um you know and that so she's still there she's still there so this is your moment you you know sometimes when you're quite loyal to a place it's hard if you're loyal right as a person like you want to make sure you're continually growing um

I think it's been a, you know, something disappointing about somewhere I've worked in the past where people leaving were seen as a massive negative and it shouldn't be a negative. This isn't a family. This isn't loyalty. It's a journey. And some, I truly believe some people can stay in one organisation

and continue to grow. I truly believe that. As long as you're being supported, the culture's good. You're being like, you know, paid the culture's good, you're being like, you know, paid appropriately, you know, you're developing all these different things. And sometimes there's a segue sideways

and it's not all about the pay rise and the job role, but it's a project or a development or sometimes it is. But sometimes you're meant to leave, you know, and you're meant to leave because you're ready for the next step and that can't be where you are

for lots of different reasons but it was always seen as like as a negative I think it is a negative there's a high turnover of staff there's a high turnover of staff which seems like she's going through you know

and it doesn't sound like there was progression for her that she's not gone after that after that one pay rise because someone spotted something in her I want her yeah it's been a little bit like sideward sideward sideward I've been put into a dilemma she's not gone after that after that one pay rise because someone spotted something in her I want her yeah

it's been a little bit like side with side with side with side with more responsibility I've been given two I'm looking after two jobs it's when you get more

it's always the case when you get more responsibility from your employer like you are now a team leader you are now a people manager and they don't give you a pay rise yeah

so we're getting rid of those people yeah but can you do what they did and we can't give you a pay rise because we're going through budgets. Like if it's a multi-million pound...

You can though. Yeah. But we'll give him a pay rise. You're great. You are good, Phil. I think... Sorry to all the Phils. Sometimes the Stockholm syndrome,

when you've been somewhere a while, that it's a big thing for you personally to leave. Seeing other people leave should give you confidence that they can do it. So can I? I think this is a really good time to sit down and think what do you enjoy doing what do I like what am I good at what have people told me I'm good at what do I know I'm good at because you've been sounds like you've been through every role in the company but they're obviously desperate to keep her it's that stupid loyalty thing where they

they they know you'll stay and they'll give you a little like you know just just keep hold but they're not helping and you know she's obviously got a talent and so somewhere else will value that talent they really really will and but but so that well it's great to look for a job when you're in a job so write that down look at some names of businesses like aspirational names that you hear about culture being good you look on glass door and people talk about it being a positive place who is in the press for like good things not just token things and go i know where everyone else went yeah take me with you the big thing about ea is if people don't know what ea is it's executive assistant and it's usually an executive assistant to um a really senior director and it's not secretary.

It's a different thing. It's literally the right hand. It's can you sort this? Can you firefight this? Can you go into that meeting for me? Can you read this thing? It's in, especially in the city,

it's a really, really prestigious role. Oh, it's so well respected. You do not mess with anyone. You do not mess with a C-suite EA. But the other thing is it's all to do with networks. And so I'm sure

you are so amazing at this role. A good one's hard to come by and so i would reach out to the network you know put open to work on your linkedin there's a really good network in manchester of executive assistants isn't there like they do you need that but ask around them like who who is looking for a really good ea but in a brand that i like and go after it. Go, you know, this is the big stat that we see is apparently that you can get as much as a 30% pay rise or 30% more.

Sorry, it's not 30% pay rise, but you can get 30% more going somewhere else than staying with the same business. And that's very, very common. If in the current business you're in, there isn't like a progression opportunity and you just if you're staying in the same role it's really hard to get a pay rise because budgets are there for a reason so take this as your opportunity to go look somewhere else let yourself free yeah

I need to know the update have you seen the girl on tiktok who do you know ole hendrickson no the skincare guy oh yeah and he like his brand went massive but I think he lives in New York but he's like the happiest man ever apparently in this girl he's like PA Oreo

I'm not sure I don't know but I want to follow in now she's like come with me for a day as a PA to the happiest man alive and then they're just like

playing with like shoes and everything it's literally dream job but fun but wouldn't you want to like that is not her everyday right now no but I will listen it's literally dream job but fun but wouldn't you want to like that is not her

everyday right now no I'm a listener like you want her to go in and enjoy what she's going into and again I think sometimes we feel safe

in the same space the place that gave us a chance the place that gave us those early promotions women are rubbish at loyalty like really are

like it's just business it's not personal sometimes you can leave a place and still be friendly and like and sometimes you don't think that because you've built up your network internally you feel like there's not somewhere else there's somewhere else I promise you people are so loyal until you get maverick or something and you realize that they just screw you over anyway so just well you were number like it because business is also business so the business can and again I think a really interesting point

that you made early, Holly, and I want to call it out is, sometimes as well, bad culture, good culture, it's not intentional. You fall through the cracks. And if you're going through that at work where like something was promised and it didn't happen, you know,

something where you were not made to feel like appreciated, having been in a boardroom and been on the other side of it, you genuinely are appreciated, but it's a factual numbers game. And sometimes people slip through the nets because it's just a big problem.

It's not perfect. If it's a big machine, it's so easy to get lost in the, oh, I was supposed to give her a pair of eyes. Oh, but your manager left right now. We need to re-embed this new manager in and they need to- She found herself on an email literally like no one intentionally does that um but it's not great practice and there's too many things in

that dilemma and that's in one company some people would go through that in their whole career that's in one company and for me that's a massive red flag and I would I would walk out the door so polish up the cv get into those PA networks and EA networks and look at the brands that you aspire to get closer to and network and just put your feels out.

Go to a recruiter. There are really special, specialist recruiters in your thing. Go for coffee. Go and see what you could do and I think you'll get more confident. Exciting. And congratulations on the wedding.

They're married, aren't they? Well, they went on honeymoon. I hope they got married. We had a great holiday. That's all for this episode. The Vault is now closed. P.S. We would love if you would subscribe, follow and share this podcast

so we can help grow our amazing community. Just a quick disclaimer, The Vault is just a chat around life and money topics. We are not giving financial advice.