Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr the Order Kerni Whaltbury and a waddery 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 a wondery 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.

Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr the Order Kerni Whaltbury and a waddery 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 a wondery 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.

Let's get into it.

She's on the Money, She's on the Money.

She's on the Money, She's on the Money.

Hello, and welcome to She's on the Money the pod. Guys, that makes personal finance fun, especially on Fridays. It is our favorite day of the week because I get to get my little team together. It celebrate you, our incredible Shees on the Money community. It's just greachy. You've got some favorite money wins to share from the community. Miss beck say ed you better have some festive broke tips for us. And we're going to be helping to answer a juicy money dilemma this week. It's all about what do you do when your friends question the ethics of your investments and something that you slid into our dms about Christmas bonuses the festive norm or just wish for thinking it is.

Hello, and welcome to She's on the Money the pod. Guys, that makes personal finance fun, especially on Fridays. It is our favorite day of the week because I get to get my little team together. It celebrate you, our incredible Shees on the Money community. It's just greachy. You've got some favorite money wins to share from the community. Miss beck say ed you better have some festive broke tips for us. And we're going to be helping to answer a juicy money dilemma this week. It's all about what do you do when your friends question the ethics of your investments and something that you slid into our dms about Christmas bonuses the festive norm or just wish for thinking it is.

The last Friday before Christmas.

The last Friday before Christmas.

I love Christmas, such a coziness, such a magical energy in the air, the joy, and you can like everything spells different, everything looks it. Really it feels different. It's just such a nice I'd like this. I really like. It's arguably better than Christmas Day lead up anticipation.

I love Christmas, such a coziness, such a magical energy in the air, the joy, and you can like everything spells different, everything looks it. Really it feels different. It's just such a nice I'd like this. I really like. It's arguably better than Christmas Day lead up anticipation.

It's like the decorating. I don't know, I feel like it becomes lots about like friends and family, and like, I don't like the thing. This is me being like maybe a little bit of a grinch. No, I don't want to catch up with you before Christmas. If you've only just worked out that we haven't seen each other in six plus months, being like, oh my god, have you got time before Christmas? I don't know. I actually don't, Sorry, I don't. It was already six months since you and I have seen each other, and if it was the first six months of the year, you would have let it go another six months so we can catch up in January or February. Is that cool?

It's like the decorating. I don't know, I feel like it becomes lots about like friends and family, and like, I don't like the thing. This is me being like maybe a little bit of a grinch. No, I don't want to catch up with you before Christmas. If you've only just worked out that we haven't seen each other in six plus months, being like, oh my god, have you got time before Christmas? I don't know. I actually don't, Sorry, I don't. It was already six months since you and I have seen each other, and if it was the first six months of the year, you would have let it go another six months so we can catch up in January or February. Is that cool?

Sure? Sure, sure, anyway.

Sure? Sure, sure, anyway.

There, I totally get it.

There, I totally get it.

But like, I know, calendar's bursting busy.

But like, I know, calendar's bursting busy.

I'm so tired. Jess and I have been working our butts off in the lead up to like going on Christmas break, Like, I just I don't have time. I would love to have drinks. Can you just invite me to drinks? Like on a normal Wednesday? Is that okay? Any other Wednesday, normal Wednesday drinks? Let's let's normalize that.

I'm so tired. Jess and I have been working our butts off in the lead up to like going on Christmas break, Like, I just I don't have time. I would love to have drinks. Can you just invite me to drinks? Like on a normal Wednesday? Is that okay? Any other Wednesday, normal Wednesday drinks? Let's let's normalize that.

I completely agree.

I completely agree.

But what's your favorite festive treat? Like, what are you making sure you're eating next week?

But what's your favorite festive treat? Like, what are you making sure you're eating next week?

You go first?

You go first?

Yes, I love a gingerbread. Oh have you made gingerbread?

Yes, I love a gingerbread. Oh have you made gingerbread?

I have, and I do so I do gingerbread with royal icing piped on it. So it's kind of like a realizing ginger they're so good gingerbread.

I have, and I do so I do gingerbread with royal icing piped on it. So it's kind of like a realizing ginger they're so good gingerbread.

Yeah, we know you do. We basically canceled Jessica last Christmas, right, so, like, but she's on the money. Girls, We were like, will you bit artsy crafty? So we decided that we're all going to come to my house and we're going to make gingerbread houses. But Beck, we got the like pre made gingerbread houses. You just had to decorate them, and it kind of became like a competition of everyone decorating there. Of course there's the best, right, and so like I'm there messing it up. I think a few ginger Yeah, thank you, she doesn't mean that. I think a few people's gingerbread houses fell over before we even began.

Yeah, we know you do. We basically canceled Jessica last Christmas, right, so, like, but she's on the money. Girls, We were like, will you bit artsy crafty? So we decided that we're all going to come to my house and we're going to make gingerbread houses. But Beck, we got the like pre made gingerbread houses. You just had to decorate them, and it kind of became like a competition of everyone decorating there. Of course there's the best, right, and so like I'm there messing it up. I think a few ginger Yeah, thank you, she doesn't mean that. I think a few people's gingerbread houses fell over before we even began.

Structural integrity is not there exactly.

Structural integrity is not there exactly.

Your archite tests. Like the expectations were too high. I think someone made like a construction site out of their so they were like, this is what I was to do.

Your archite tests. Like the expectations were too high. I think someone made like a construction site out of their so they were like, this is what I was to do.

Yeah, like after the demolition, Yeah, it.

Yeah, like after the demolition, Yeah, it.

Was like it's demo, like it's in right, like haha. Anyway, Jess was sitting over in the corner like carefully piping on her bloody structuring. Yeah, like perfect flowers of course. Literally everything was symmetrical, and we were just like, cool, we'll just see ourselves out. Ours look literally like a dog's breakfast literally, and then Jesses looks like a little model house. So guess what we didn't do this year? No gingerbread house, but if you're doing one with your.

Was like it's demo, like it's in right, like haha. Anyway, Jess was sitting over in the corner like carefully piping on her bloody structuring. Yeah, like perfect flowers of course. Literally everything was symmetrical, and we were just like, cool, we'll just see ourselves out. Ours look literally like a dog's breakfast literally, and then Jesses looks like a little model house. So guess what we didn't do this year? No gingerbread house, but if you're doing one with your.

Friends, because we did a gingerbread we do a gingerbread house with our friends, I say, we add the structural integrity test you.

Friends, because we did a gingerbread we do a gingerbread house with our friends, I say, we add the structural integrity test you.

Oh yeah, you you've seen the TikTok.

Oh yeah, you you've seen the TikTok.

That's why they were all construction sites, because jess shook all of our bloody houses.

That's why they were all construction sites, because jess shook all of our bloody houses.

Is it earthquake proof?

Is it earthquake proof?

Is it?

Is it?

You literally just get everyone around the table, you go, oh, who's his the cutest, whatever, who's is the strongest. You do a little on the table, and you see, it's very fine.

You literally just get everyone around the table, you go, oh, who's his the cutest, whatever, who's is the strongest. You do a little on the table, and you see, it's very fine.

I would houses fell down except for Jessica.

I would houses fell down except for Jessica.

This is great. I'm actually gonna write this down. It's really it's.

This is great. I'm actually gonna write this down. It's really it's.

Okay because then if you're if creativity is not your thing, you just you go for solid bills.

Okay because then if you're if creativity is not your thing, you just you go for solid bills.

Yes you know, and yes the rest of our team had neither, and that's okay too. We were there and we showed up, and that is all that.

Yes you know, and yes the rest of our team had neither, and that's okay too. We were there and we showed up, and that is all that.

Counts, all the count It's good to know there are several different categories that you can wear, multiple judging what's your favorite treat? Okay, so I know this is a year round tree. You can have this whenever you want. But there's something so like cozy about the nutmeggie, cinnamony, cardamom me. Are you going to say I'm not? I'm saying custard tar Okay, I.

Counts, all the count It's good to know there are several different categories that you can wear, multiple judging what's your favorite treat? Okay, so I know this is a year round tree. You can have this whenever you want. But there's something so like cozy about the nutmeggie, cinnamony, cardamom me. Are you going to say I'm not? I'm saying custard tar Okay, I.

Was about to be.

Was about to be.

Likened, like what do you do with it?

Likened, like what do you do with it?

It's eggs? Like you guys are.

It's eggs? Like you guys are.

Insane, Yeah, but like what do you put where do you put it?

Insane, Yeah, but like what do you put where do you put it?

Like what is it in your mouth? Like a drink to drink it is a legitimate drink from.

Like what is it in your mouth? Like a drink to drink it is a legitimate drink from.

The carton, like you like milk and you just drink it.

The carton, like you like milk and you just drink it.

You can or you can make it. I remember I went to a Christmas party one year. It was like I was in high school and I went to this girl's house and she made eggnog and they were like handing it around. Jes don't give me that place. I didn't know what it was. And it looked cute, looks like a yeah, and she had these really cute glass tea cups, and I think it was because her family did eggnog all the time, and it's like the way you do it. Anyway, she gives me this thing and I thought it was cute, and it smells like a custard tart, right like that smelled like that smell so delicious, And I drank it and I liked it. I did it, did Yeah, have you tried it? It's actually it's like runny custard like it's actually really nice until you realize that the eggs are raw. Yeah, everything about it just puts me unacceptable. But if you didn't know, and I handed you a cute little milkshake in a really cute glass tea cup, you're can drink it. You gotta have raw egg I imagine I'm unacceptable.

You can or you can make it. I remember I went to a Christmas party one year. It was like I was in high school and I went to this girl's house and she made eggnog and they were like handing it around. Jes don't give me that place. I didn't know what it was. And it looked cute, looks like a yeah, and she had these really cute glass tea cups, and I think it was because her family did eggnog all the time, and it's like the way you do it. Anyway, she gives me this thing and I thought it was cute, and it smells like a custard tart, right like that smelled like that smell so delicious, And I drank it and I liked it. I did it, did Yeah, have you tried it? It's actually it's like runny custard like it's actually really nice until you realize that the eggs are raw. Yeah, everything about it just puts me unacceptable. But if you didn't know, and I handed you a cute little milkshake in a really cute glass tea cup, you're can drink it. You gotta have raw egg I imagine I'm unacceptable.

Not on that boat.

Not on that boat.

I'm gonna be honest unacceptable. It's your favorite treaty obviously Christmas crack. Actually they're the Christmas crack, which is like my favorite sweet treat. But for me, there's two things that make Christmas. Sorry, can I say three things that make Christmas? Christmas? Okay? So it's fresh cherries, so like a big bowl of like fresh cherries. I am very lucky. I grew up on the morning to Meninsula and there's lots of cherry farms around, and so we would go to a cherry farm when we're younger and get like the box of cherries, and so that always reminds me of Christmas. And for some reason, maybe I don't know when cherry season is, but like only buy cherries at Christmas.

I'm gonna be honest unacceptable. It's your favorite treaty obviously Christmas crack. Actually they're the Christmas crack, which is like my favorite sweet treat. But for me, there's two things that make Christmas. Sorry, can I say three things that make Christmas? Christmas? Okay? So it's fresh cherries, so like a big bowl of like fresh cherries. I am very lucky. I grew up on the morning to Meninsula and there's lots of cherry farms around, and so we would go to a cherry farm when we're younger and get like the box of cherries, and so that always reminds me of Christmas. And for some reason, maybe I don't know when cherry season is, but like only buy cherries at Christmas.

I was gonna say it is anyone like cherries.

I was gonna say it is anyone like cherries.

Cherry cherries, so like it's like a Christmas it is a Christmas treat. Yeah, like they're the fruity treat. Fresh mangos, yeah, fresh fresh Christmas. And prawns, yeah, big king prawns, Like you have to shell them yourselves. One year, Mum and I shelled all of the prawns before Christmas for everybody because we were like, oh, we're so nice, we can to shell them all. Yeah, and then like next day you can just have them with a thousand island dressing. It has to be like a thousand island dressing anyway. Ten out of ten prawns, cherries, I'm sold for Christmas and a glass of champagne.

Cherry cherries, so like it's like a Christmas it is a Christmas treat. Yeah, like they're the fruity treat. Fresh mangos, yeah, fresh fresh Christmas. And prawns, yeah, big king prawns, Like you have to shell them yourselves. One year, Mum and I shelled all of the prawns before Christmas for everybody because we were like, oh, we're so nice, we can to shell them all. Yeah, and then like next day you can just have them with a thousand island dressing. It has to be like a thousand island dressing anyway. Ten out of ten prawns, cherries, I'm sold for Christmas and a glass of champagne.

Such an uzzy Christmas thing. I love it.

Such an uzzy Christmas thing. I love it.

Oh, I don't want winter Christmas, like, don't get me wrong, the idea. And like we had a friends giving recently and I did roast turkey, which, by the way, I think I slayed it. Like I think I did a really good job because I think turkey is hard to cook because it goes really dry. But what I did was basically buff the thing in butter. Yeah, so that's probably why it tasted good. But turkey's not that good the reason our turkey. Yess, I'm you know, I'm not offended if you were like me, turkey was so gay. Yeah, yeah it was well seasoned, like I had lots of seasoning, lots of spices, lots of butter and salt and pepper and all of that, and I cooked it in chicken stock to make sure it was extra delicious. But turkey is not that good.

Oh, I don't want winter Christmas, like, don't get me wrong, the idea. And like we had a friends giving recently and I did roast turkey, which, by the way, I think I slayed it. Like I think I did a really good job because I think turkey is hard to cook because it goes really dry. But what I did was basically buff the thing in butter. Yeah, so that's probably why it tasted good. But turkey's not that good the reason our turkey. Yess, I'm you know, I'm not offended if you were like me, turkey was so gay. Yeah, yeah it was well seasoned, like I had lots of seasoning, lots of spices, lots of butter and salt and pepper and all of that, and I cooked it in chicken stock to make sure it was extra delicious. But turkey is not that good.

Yeah, auzsy of us.

Yeah, auzsy of us.

When we do our friends like our friend Christmas friends mess, we call it, we do just a Wollezer Coal's roast chicken.

When we do our friends like our friend Christmas friends mess, we call it, we do just a Wollezer Coal's roast chicken.

And call it a day.

And call it a day.

Like it's so much easier, and to be honest, it's really cost effective.

Like it's so much easier, and to be honest, it's really cost effective.

One you don't because the toat like you had, you went all in, you'd like a big ass like the time and the space.

One you don't because the toat like you had, you went all in, you'd like a big ass like the time and the space.

It's a little to impress you to it did a great job. Yeah, and then everyone got to take home leftovers and that was kind of wholesome. But I will say that like a roast chicken on Christmas, you genius. You know what you could do? You could pull it out and put it like on a cute tray, or you could like pull it out of the bag, break it up like get some kitchen scissors, break it up like get the drumsticks and stuff and put them on a really nice plate reheated in the oven with some foil over the top of it and maybe like put some you could put water over the top of it to keep it moist, or like some stock and maybe some herbs or something that you you know, got's gonna deliberated and it would literally perfume your house. Yes, like you've done a roast chok on your own.

It's a little to impress you to it did a great job. Yeah, and then everyone got to take home leftovers and that was kind of wholesome. But I will say that like a roast chicken on Christmas, you genius. You know what you could do? You could pull it out and put it like on a cute tray, or you could like pull it out of the bag, break it up like get some kitchen scissors, break it up like get the drumsticks and stuff and put them on a really nice plate reheated in the oven with some foil over the top of it and maybe like put some you could put water over the top of it to keep it moist, or like some stock and maybe some herbs or something that you you know, got's gonna deliberated and it would literally perfume your house. Yes, like you've done a roast chok on your own.

You guys like a bubble and squeak.

You guys like a bubble and squeak.

Oh, I love a bubble and squeak Christmas Christmas leftovers. Yeah, that's why you always have to do extra potato exactly will bubble and squeak? My dad does the best bubbleak.

Oh, I love a bubble and squeak Christmas Christmas leftovers. Yeah, that's why you always have to do extra potato exactly will bubble and squeak? My dad does the best bubbleak.

Yeah, it's just a big mash up of everything that's left over from Christmas lunch. I'm actually shocked.

Yeah, it's just a big mash up of everything that's left over from Christmas lunch. I'm actually shocked.

To the core. What are you doing? Bubble and squeak traditionally is re fried potatoes with whatever veggies or like roast meats that you've got, but like potatoes would be the core of it. And you kind of either use mashed potatoes like that's the elite, or like whole potatoes, but you like crush them a little bit and then put them together in like little patties and then fry them on the frying pan, and you would often have them for breakfast the next morning after like Christmas or after some big event where you have lots of like roast leftovers with maybe like poachy eggs on the top. O the egg makes because it's a runny egg over the top. Yeah, that's a great idea. Also, Cuby Mayo, Ah, Cuby Mayo or anything. Five stars, five stars, five stars. Speaking of five stars, Miss jessic Ricci, would you like to hear a five star review that we got this week?

To the core. What are you doing? Bubble and squeak traditionally is re fried potatoes with whatever veggies or like roast meats that you've got, but like potatoes would be the core of it. And you kind of either use mashed potatoes like that's the elite, or like whole potatoes, but you like crush them a little bit and then put them together in like little patties and then fry them on the frying pan, and you would often have them for breakfast the next morning after like Christmas or after some big event where you have lots of like roast leftovers with maybe like poachy eggs on the top. O the egg makes because it's a runny egg over the top. Yeah, that's a great idea. Also, Cuby Mayo, Ah, Cuby Mayo or anything. Five stars, five stars, five stars. Speaking of five stars, Miss jessic Ricci, would you like to hear a five star review that we got this week?

Oh?

Oh?

Absolutely, that's credible.

Absolutely, that's credible.

What about you?

What about you?

Beck to you in yes, if it's okay.

Beck to you in yes, if it's okay.

I loved this one. This one's from Carly. She gave us a five star review and it said changed the game. So cute. Felt so behind in my money journey before finding this podcast. The girls are the best money cheerleaders. Jess and Beck make me feel not so alone when it comes to finance. That's so cute.

I loved this one. This one's from Carly. She gave us a five star review and it said changed the game. So cute. Felt so behind in my money journey before finding this podcast. The girls are the best money cheerleaders. Jess and Beck make me feel not so alone when it comes to finance. That's so cute.

That's really sweet.

That's really sweet.

It's like that I get to read it out and then you guys get the compliments.

It's like that I get to read it out and then you guys get the compliments.

I'm not gonna lie. I love it when someone says my name about it. It's so cute cheerleaders. That's so fun.

I'm not gonna lie. I love it when someone says my name about it. It's so cute cheerleaders. That's so fun.

That's sweet, which is my favorite thing ever. But let's get into it, Miss Jessici last one before Christmas comes. What money, wins and confessions have you got from the group we rity this week?

That's sweet, which is my favorite thing ever. But let's get into it, Miss Jessici last one before Christmas comes. What money, wins and confessions have you got from the group we rity this week?

I'm going I start off with one from Allison, who said she bought a tool from Buddings last week. It was a Christmas present. Five days later it went on a deal where you got a free battery and charger with the purchase of the tool. The battery and the charger are worth four hundred bucks. What she's like, Normally I'd take the hit, but four hundred dollars of value is too much to and.

I'm going I start off with one from Allison, who said she bought a tool from Buddings last week. It was a Christmas present. Five days later it went on a deal where you got a free battery and charger with the purchase of the tool. The battery and the charger are worth four hundred bucks. What she's like, Normally I'd take the hit, but four hundred dollars of value is too much to and.

Also that like bumps up, the present makes it really good.

Also that like bumps up, the present makes it really good.

She caught up Buddings and they were happy to let her just return it and rebuy it so she could get the thing that she wanted. She said, A huge win for me and my gift recipient. And never be afraid to ask your kind retail peeps.

She caught up Buddings and they were happy to let her just return it and rebuy it so she could get the thing that she wanted. She said, A huge win for me and my gift recipient. And never be afraid to ask your kind retail peeps.

That's so great.

That's so great.

Be kind to the retail peeps. So someone who has done Christmas me nice?

Be kind to the retail peeps. So someone who has done Christmas me nice?

Why are people so rude? I know it's so weird. Okay, what are you angry? At them for.

Why are people so rude? I know it's so weird. Okay, what are you angry? At them for.

Also, it says so much more about you than it does the staff member, even if that staff member is completely incompetent. I get it. But if you then treat someone like trash babe, that's on you. I don't care what they did. If you can't keep your call, if you can't get your stuff together, looks like you need some therapy.

Also, it says so much more about you than it does the staff member, even if that staff member is completely incompetent. I get it. But if you then treat someone like trash babe, that's on you. I don't care what they did. If you can't keep your call, if you can't get your stuff together, looks like you need some therapy.

That's true. Absolutely.

That's true. Absolutely.

Next, I've got a money in from Elisa who said she found a handbag with all of the stuff in it in a shopping center car park. Both the center management and the police station were closed, so she took it home and waited for the phone, which was inside, to ring. Two hours later, a call came through from this handbag. It was someone's son. He picked up the bag and its contents, and he gave her one hundred dollars for her honesty. I thought it was really sweet, and as someone who has left there purse somewhere before.

Next, I've got a money in from Elisa who said she found a handbag with all of the stuff in it in a shopping center car park. Both the center management and the police station were closed, so she took it home and waited for the phone, which was inside, to ring. Two hours later, a call came through from this handbag. It was someone's son. He picked up the bag and its contents, and he gave her one hundred dollars for her honesty. I thought it was really sweet, and as someone who has left there purse somewhere before.

Brook did that literally a couple of weeks ago from our team, she left her whole handbag on the floor at a restaurant. She went back and she was like, oh, it was fine. I'm like, how are you so chill about this? Like I'd be losing my mind. I feel good, wholesome people. I was at office works the other day actually, and I found a phone just like I was like peruising the aisles and there was just an iPhone sitting there. And it's that awkward. Okay, I can see an iPhone. I can see it somebody's it's got like a cover on it. If I pick this up and I walk it to like the front, is the owner of it going to see me with it and think I'm stealing it?

Brook did that literally a couple of weeks ago from our team, she left her whole handbag on the floor at a restaurant. She went back and she was like, oh, it was fine. I'm like, how are you so chill about this? Like I'd be losing my mind. I feel good, wholesome people. I was at office works the other day actually, and I found a phone just like I was like peruising the aisles and there was just an iPhone sitting there. And it's that awkward. Okay, I can see an iPhone. I can see it somebody's it's got like a cover on it. If I pick this up and I walk it to like the front, is the owner of it going to see me with it and think I'm stealing it?

I know, I get so scared of that too.

I know, I get so scared of that too.

You.

You.

I'm like, I'm trying to do the right thing here, Like I'm not going to steal someone's iPhone. I've just found it on a shelf. But I also know I'm not going to leave it on the shelf because not everyone is honest. So I'm like, I'm going to take this to the front. So I do. I don't know if other people do this, but I do this awkward like swipe no, no, no, I like, pick it up, but hold it. I'm not trying to like, I'm not trying to put this in my pocket or hide this from you. Ha ha ha ha, like and said, oh that's mine. I did it the other day at the swimming pool. I was at the pool and I just come out of the family changing area and someone had left their sunglasses in there, and I saw them and picked them up and was like, when you see a pair of sunglasses that are prescription sunglasses, you can immediately tell that their prescription. And I was like, oh, someone's going to be mad. So I picked them up and like, I'm holding towels under my arm and like we carry a basket and I'm holding the sunglasses and this woman comes around the con she goes, they're mine, and I was like, oh, yeah, I just found that, and I felt like I was like, I know I've been called out or something, but in reality, i'd pulled them out to bring them to reception as I was leaving. Look, I don't want you prescription sunglasses. So I like make this awkward small chat and I'm like, oh, yeah, I noticed that they were prescription ha ha ha. Like I was gonna hand them and they would have been expensive, and she's like looks at me. She's like, yeah, they were expensive, And I'm thinking, do you think I'm stealing these?

I'm like, I'm trying to do the right thing here, Like I'm not going to steal someone's iPhone. I've just found it on a shelf. But I also know I'm not going to leave it on the shelf because not everyone is honest. So I'm like, I'm going to take this to the front. So I do. I don't know if other people do this, but I do this awkward like swipe no, no, no, I like, pick it up, but hold it. I'm not trying to like, I'm not trying to put this in my pocket or hide this from you. Ha ha ha ha, like and said, oh that's mine. I did it the other day at the swimming pool. I was at the pool and I just come out of the family changing area and someone had left their sunglasses in there, and I saw them and picked them up and was like, when you see a pair of sunglasses that are prescription sunglasses, you can immediately tell that their prescription. And I was like, oh, someone's going to be mad. So I picked them up and like, I'm holding towels under my arm and like we carry a basket and I'm holding the sunglasses and this woman comes around the con she goes, they're mine, and I was like, oh, yeah, I just found that, and I felt like I was like, I know I've been called out or something, but in reality, i'd pulled them out to bring them to reception as I was leaving. Look, I don't want you prescription sunglasses. So I like make this awkward small chat and I'm like, oh, yeah, I noticed that they were prescription ha ha ha. Like I was gonna hand them and they would have been expensive, and she's like looks at me. She's like, yeah, they were expensive, And I'm thinking, do you think I'm stealing these?

What are you going to do with prescription?

What are you going to do with prescription?

We were also like, I wouldn't steal these totally. Oh anyway, that just gave me a lot of anxiety. So then when I found the phone, I'm like, here we go again.

We were also like, I wouldn't steal these totally. Oh anyway, that just gave me a lot of anxiety. So then when I found the phone, I'm like, here we go again.

Yeah, over hand eating, it's the right thing to do. We those of us who leave things places, appreciate all your honest good things happened to good people. As from our team says, I used that on an Instagram post the other day. She's like, you copied me because it's in her Instagram bio. But good things do happen to good people.

Yeah, over hand eating, it's the right thing to do. We those of us who leave things places, appreciate all your honest good things happened to good people. As from our team says, I used that on an Instagram post the other day. She's like, you copied me because it's in her Instagram bio. But good things do happen to good people.

They do, absolutely Doogle bigger a men nest.

They do, absolutely Doogle bigger a men nest.

What am I win?

What am I win?

From Holly who said it's a non money money win for me. I love this since I'm now on top of my finances. Her brother, who used to be the money was in the family and Holly was the money mess and his girlfriend asked her to create a.

From Holly who said it's a non money money win for me. I love this since I'm now on top of my finances. Her brother, who used to be the money was in the family and Holly was the money mess and his girlfriend asked her to create a.

Budget for them. So she created a whole spreadsheet.

Budget for them. So she created a whole spreadsheet.

And you know that with the cash flow system, And she said, a year ago, I just never would have been able to do that. That's really goody so cool to be able to do it for someone else.

And you know that with the cash flow system, And she said, a year ago, I just never would have been able to do that. That's really goody so cool to be able to do it for someone else.

Be for real. They spreading the good word, the disciples.

Be for real. They spreading the good word, the disciples.

They're goings spreading the Shees on the Buddy Words. I heard that colts worked really well for multi level marketing business, and I thought, why reinvent the wheel? We too could have a cult, but we were not very good at it. So we're actually just like telling people that they can do whatever they want with their financial freedom. We really need to create a product to keep them in the cult.

They're goings spreading the Shees on the Buddy Words. I heard that colts worked really well for multi level marketing business, and I thought, why reinvent the wheel? We too could have a cult, but we were not very good at it. So we're actually just like telling people that they can do whatever they want with their financial freedom. We really need to create a product to keep them in the cult.

Yes you shot that one.

Yes you shot that one.

Yeah.

Yeah.

Next, I've got a money in from Emma, who said it's her first time sharing a money in. She bought a walking pad treadmill for her work from home at desk and it was one hundred and twenty dollars on Facebook Marketplace in normal retails for two hundred and thirty. It was also her first time using Marketplace and she said she's officially converted and bonus points it's pink and cute.

Next, I've got a money in from Emma, who said it's her first time sharing a money in. She bought a walking pad treadmill for her work from home at desk and it was one hundred and twenty dollars on Facebook Marketplace in normal retails for two hundred and thirty. It was also her first time using Marketplace and she said she's officially converted and bonus points it's pink and cute.

Oh how good that is?

Oh how good that is?

That is cute and mine's dying, so I'm gonna.

That is cute and mine's dying, so I'm gonna.

Look at the same So it's not going to cost you one hundred and twenty dollars. That looks spinner does.

Look at the same So it's not going to cost you one hundred and twenty dollars. That looks spinner does.

The next time, money went Alexandra, who said money win. The theme for my works Christmas party last week was errors, so obviously I went in my money making error, dressed.

The next time, money went Alexandra, who said money win. The theme for my works Christmas party last week was errors, so obviously I went in my money making error, dressed.

As a million dollar bill. Nod.

As a million dollar bill. Nod.

He thought that was going she dresses and actually quite disappointed with this. Which era would you have gone?

He thought that was going she dresses and actually quite disappointed with this. Which era would you have gone?

Us?

Us?

What would I have gone?

What would I have gone?

As I keep hearing error like the.

As I keep hearing error like the.

Sorry yeah Jessica, I'm thinking, like you know, like era eraror oh yeah, you're not going to make that.

Sorry yeah Jessica, I'm thinking, like you know, like era eraror oh yeah, you're not going to make that.

Well, Alexandra went in her money making error. She dresses a million dollar bill because girls trying to manifest and low and behold. She won best Oh my god, right, she won a certificate with a little fifty dollars voucher, and she said her money making costume really did make her money.

Well, Alexandra went in her money making error. She dresses a million dollar bill because girls trying to manifest and low and behold. She won best Oh my god, right, she won a certificate with a little fifty dollars voucher, and she said her money making costume really did make her money.

That's actually so good.

That's actually so good.

Peak of the winning costume, of course, she said, it's bleary as hell. But this was when I was strutting my stuff on stage.

Peak of the winning costume, of course, she said, it's bleary as hell. But this was when I was strutting my stuff on stage.

Look at her. What a queen.

Look at her. What a queen.

Okay, I would have liked. You got to go find the fan. Absolutely, you absolutely win. My husband actually went to his work Christmas party last no, not last week, a couple of weeks ago. Oh yeah, and he did you see this on social media? Bits so funny. The theme was legends. Yeah, so that was it, so you could go as any legend you wanted. To and my husband obviously wig and all dressed up as Raygun. Honestly, the night before his Christmas party, we were on YouTube. He was practicing the dance mooth. I love that, and he looked great. Honestly, the wig looked very real. Thank you. It was twelve dollars on Amazon.

Okay, I would have liked. You got to go find the fan. Absolutely, you absolutely win. My husband actually went to his work Christmas party last no, not last week, a couple of weeks ago. Oh yeah, and he did you see this on social media? Bits so funny. The theme was legends. Yeah, so that was it, so you could go as any legend you wanted. To and my husband obviously wig and all dressed up as Raygun. Honestly, the night before his Christmas party, we were on YouTube. He was practicing the dance mooth. I love that, and he looked great. Honestly, the wig looked very real. Thank you. It was twelve dollars on Amazon.

You great.

You great.

He didn't come home with it, though.

He didn't come home with it, though.

Someone went home with a little potytail wig.

Someone went home with a little potytail wig.

Someone.

Someone.

Do you want Lucky keep it?

Do you want Lucky keep it?

Yeah?

Yeah?

You don't want that one hanging around to you?

You don't want that one hanging around to you?

No?

No?

Absolutely not.

Absolutely not.

Lastly, this week, I've got a money win from Caitlin, who said she purchased a one past subscription on Black Friday.

Lastly, this week, I've got a money win from Caitlin, who said she purchased a one past subscription on Black Friday.

Don't even I did too?

Don't even I did too?

Well?

Well?

Yeh, I read this one because I sent it to you. Yeah, and you said you got to do this.

Yeh, I read this one because I sent it to you. Yeah, and you said you got to do this.

So sorry to Sideline there. So we clearly talk about money wins on the podcast. Yes, we also just text each other all week about money wins. Yes, like our text I'm like, oh my god, did you see so Jess. I'm not gonna spoil it, but did you see the one past one? Did you see what you can get? Oh? One, I'll explain, sure, we'll get there.

So sorry to Sideline there. So we clearly talk about money wins on the podcast. Yes, we also just text each other all week about money wins. Yes, like our text I'm like, oh my god, did you see so Jess. I'm not gonna spoil it, but did you see the one past one? Did you see what you can get? Oh? One, I'll explain, sure, we'll get there.

Oh, let me read itait this's bit first and we'll come back around. So Caitlyn said she purchased the one Past subscription on Black Friday, which means it was fifty percent off half price. She's used it twice since she purchased it with two discounts, she said, So her Christmas shop is officially done, parcels are on the way, and she's already saved ten bucks.

Oh, let me read itait this's bit first and we'll come back around. So Caitlyn said she purchased the one Past subscription on Black Friday, which means it was fifty percent off half price. She's used it twice since she purchased it with two discounts, she said, So her Christmas shop is officially done, parcels are on the way, and she's already saved ten bucks.

Using the one Pass in those two times.

Using the one Pass in those two times.

So good. And I think the annual membership was, like was it forty dollars? Yeah, so it's forty dollars on sale, but it was like eighty dollars full price to like join one Pass, right, So one Pass this is not sponsored by the way, but I'm about to talk about it like it's an ad.

So good. And I think the annual membership was, like was it forty dollars? Yeah, so it's forty dollars on sale, but it was like eighty dollars full price to like join one Pass, right, So one Pass this is not sponsored by the way, but I'm about to talk about it like it's an ad.

Do I know someone at one Pass?

Do I know someone at one Pass?

I am here to sell this to you, right, Like I think it's great. So one Pass is like the rewards platform that the people who own Kmart and Bunnings and office Works and like a whole heap of other businesses own. So it's owned by West Farmers, right, So they've created this rewards platform and they obviously want heaps of people to join, So it's in collaboration with Flybys who are in I want to say Cohoots with West Farmers, so like it's like, oh, that's why you can get Flybys points at literally all of those stores. Plus I believe Coals, So that's a money when to begin with. But when you sign up to one Pass, you get free shipping on like your Camart purchases. There's like a minimum price threshold, but it's not much, so you get free shipping on your like Camart target, I believe price line all of these purchases, right, which is money win. And I've already made my money back from online purchases because like how many times do you want to order something on Kmart? But like I'm not paying ten dollars for shipping lane Camar when the item was ten dollars, Like that not happening free. And my favorite part because I have decided that I am now in my points hacking era. If I went to that costume party, just I would have gone as a Flybys card. But you get five times points whenever you're signed into one Pass, so instead of just getting one.

I am here to sell this to you, right, Like I think it's great. So one Pass is like the rewards platform that the people who own Kmart and Bunnings and office Works and like a whole heap of other businesses own. So it's owned by West Farmers, right, So they've created this rewards platform and they obviously want heaps of people to join, So it's in collaboration with Flybys who are in I want to say Cohoots with West Farmers, so like it's like, oh, that's why you can get Flybys points at literally all of those stores. Plus I believe Coals, So that's a money when to begin with. But when you sign up to one Pass, you get free shipping on like your Camart purchases. There's like a minimum price threshold, but it's not much, so you get free shipping on your like Camart target, I believe price line all of these purchases, right, which is money win. And I've already made my money back from online purchases because like how many times do you want to order something on Kmart? But like I'm not paying ten dollars for shipping lane Camar when the item was ten dollars, Like that not happening free. And my favorite part because I have decided that I am now in my points hacking era. If I went to that costume party, just I would have gone as a Flybys card. But you get five times points whenever you're signed into one Pass, so instead of just getting one.

Point five ah and then those points eventually yeah, like you can read times for the money off or use them in the reward store, so like that's where I got.

Point five ah and then those points eventually yeah, like you can read times for the money off or use them in the reward store, so like that's where I got.

Such a good deal and like five times points. It makes no business sense, like in my head, like they're losing money on this. But it's not even like a promo when you join. It's just like if you're a one past member, that's that's the bonus you get it. It just happens every time. Oh my god. Okay, anyway, one pass call me. I would love to talk to you about working together in twenty twenty five. That's my pitch. I could talk about it more, but you haven't paid.

Such a good deal and like five times points. It makes no business sense, like in my head, like they're losing money on this. But it's not even like a promo when you join. It's just like if you're a one past member, that's that's the bonus you get it. It just happens every time. Oh my god. Okay, anyway, one pass call me. I would love to talk to you about working together in twenty twenty five. That's my pitch. I could talk about it more, but you haven't paid.

So that seems fair. Yeah, it's the sales still on.

So that seems fair. Yeah, it's the sales still on.

No, sorry, can't talk about it anymore. Can't. Sorry?

No, sorry, can't talk about it anymore. Can't. Sorry?

The show?

The show?

Yeah, call me Jess? Is that all it?

Yeah, call me Jess? Is that all it?

Surance? I love that?

Surance? I love that?

All right?

All right?

Beck?

Beck?

What if you got to bring to the table any festive broke tip.

What if you got to bring to the table any festive broke tip.

I do have some festive broke tips, so I'd like to say that all of these are festive. So first I'm gonna go with one from Beck great name, who says this will be applicable for any parents who have heaps of toys for their kids, likely gifted by other people or just ones you have lying around the house. So when kids are young, they tend to gravitate towards the same toys, and all of the toys get forgotten about. My sister in law took the toys they've never played with girls two and five and re wrapped them for their birthday, and they don't remember because they're kids, and they loved the toys and now they're playing with it because honestly, they have so many toys. It reduces waste and money, and I think it's really cool. I think it's a great idea. If you do that for Christmases for other kids, or if you Yeah, I feel like if you've got if you've got kids yourself and you have like and they're just not touching all these other toys, they're not going to notice it. Low key genius, and then you wrap them up you give them to other kids in the family or friends or whatever.

I do have some festive broke tips, so I'd like to say that all of these are festive. So first I'm gonna go with one from Beck great name, who says this will be applicable for any parents who have heaps of toys for their kids, likely gifted by other people or just ones you have lying around the house. So when kids are young, they tend to gravitate towards the same toys, and all of the toys get forgotten about. My sister in law took the toys they've never played with girls two and five and re wrapped them for their birthday, and they don't remember because they're kids, and they loved the toys and now they're playing with it because honestly, they have so many toys. It reduces waste and money, and I think it's really cool. I think it's a great idea. If you do that for Christmases for other kids, or if you Yeah, I feel like if you've got if you've got kids yourself and you have like and they're just not touching all these other toys, they're not going to notice it. Low key genius, and then you wrap them up you give them to other kids in the family or friends or whatever.

I just think it's a great idea. One of grand girlfriends for her kids first birthday. You know those ride on cars, got in one of those.

I just think it's a great idea. One of grand girlfriends for her kids first birthday. You know those ride on cars, got in one of those.

Cute.

Cute.

It was so cute. It was this like fake obviously I'm Mercedes g Wagon, so cute. He cried because he was one. He thought it was really scary. He didn't like it, so they put it back in the box and gave it to him when he turned to and he loved it. That's so jo.

It was so cute. It was this like fake obviously I'm Mercedes g Wagon, so cute. He cried because he was one. He thought it was really scary. He didn't like it, so they put it back in the box and gave it to him when he turned to and he loved it. That's so jo.

I think that's so smart.

I think that's so smart.

It's so literally so smart. They were like, oh, we thought he'd really like it, but he didn't, so we're just going to give it to him next year.

It's so literally so smart. They were like, oh, we thought he'd really like it, but he didn't, so we're just going to give it to him next year.

Yeah, yeah, yeah, yeah, funny. We're really clever and it's reducing waste, yeah, which I really like that. The next one comes from Emma, and it does lead me into my own but you'll see why. So Emma messaged me to say that she saw some cute little houses that came up and didn't buy them at the time. Then on the weekend realized she could make them from polystyrene foam that had come with a package that she had bought just like random other package, so she'd used that. She'd used the blocks and corners and glued them together with a hot glue gun, and then for the real broke tip, she got some misstint paint from Bunnings four dolls for a sample, pot got some baking powder different to buy carb about three dolls from Coals, added some of the baking powder to the paint, which is which is like some chemical reaction. Starrett looks like render exactly exactly. And so basically she made these like little houses and they look ceramic. I think she was going for She did send us photos and she also sent us a photo give me wreath that she'd made just literally from going for a walk around the neighborhood.

Yeah, yeah, yeah, yeah, funny. We're really clever and it's reducing waste, yeah, which I really like that. The next one comes from Emma, and it does lead me into my own but you'll see why. So Emma messaged me to say that she saw some cute little houses that came up and didn't buy them at the time. Then on the weekend realized she could make them from polystyrene foam that had come with a package that she had bought just like random other package, so she'd used that. She'd used the blocks and corners and glued them together with a hot glue gun, and then for the real broke tip, she got some misstint paint from Bunnings four dolls for a sample, pot got some baking powder different to buy carb about three dolls from Coals, added some of the baking powder to the paint, which is which is like some chemical reaction. Starrett looks like render exactly exactly. And so basically she made these like little houses and they look ceramic. I think she was going for She did send us photos and she also sent us a photo give me wreath that she'd made just literally from going for a walk around the neighborhood.

So this is the wreath that's really cute.

So this is the wreath that's really cute.

Do you want me?

Do you want me?

Can I put this anywhere?

Can I put this anywhere?

Can?

Can?

Yeah, we'll put it in the Facebook group.

Yeah, we'll put it in the Facebook group.

And then the little houses those are really.

And then the little houses those are really.

Very cute, so fun little DIY project.

Very cute, so fun little DIY project.

Absolutely, And why that leads me to my own broke tip is it's very I feel like Christmas decorations. Of course, gifts and stuff can be d I, but I'm speaking decorations because I didn't realize how they just add up because like you buy I don't know, like you buy like a ten dollar like string of fairy lights here, you buy like a four dollar pack of baballs here, It's like it really starts adding up very quickly. Anyway, I'm going to be doing a craft tonight with my partner and her sister, and we're going to just be like making ball balls from scratch.

Absolutely, And why that leads me to my own broke tip is it's very I feel like Christmas decorations. Of course, gifts and stuff can be d I, but I'm speaking decorations because I didn't realize how they just add up because like you buy I don't know, like you buy like a ten dollar like string of fairy lights here, you buy like a four dollar pack of baballs here, It's like it really starts adding up very quickly. Anyway, I'm going to be doing a craft tonight with my partner and her sister, and we're going to just be like making ball balls from scratch.

Like that's fun.

Like that's fun.

I did make one yesterday that was like a love heart with like you know when you like put little papers to make it look three d oh yeah, yeah, yeah, just one of those little ballball just get like string. I don't know how much string is, like five cents, I don't know. I don't think.

I did make one yesterday that was like a love heart with like you know when you like put little papers to make it look three d oh yeah, yeah, yeah, just one of those little ballball just get like string. I don't know how much string is, like five cents, I don't know. I don't think.

I don't just always it's anything this world still five cents, I don't think. So what do we use? Five cents?

I don't just always it's anything this world still five cents, I don't think. So what do we use? Five cents?

Is for good question?

Is for good question?

Don't even buy lollies at the shop anymore.

Don't even buy lollies at the shop anymore.

I know it's discussing what is this? They just go into my money tin five cents one day, they'll be thirty cents. Yeah, one day, but.

I know it's discussing what is this? They just go into my money tin five cents one day, they'll be thirty cents. Yeah, one day, but.

It will never happen. I'm sorry, I don't know. I don't have time to explain the concept of inflation, but that won't happen. Sorry, bye.

It will never happen. I'm sorry, I don't know. I don't have time to explain the concept of inflation, but that won't happen. Sorry, bye.

But anyway, even tinsel, you know, you get like long, you just like cut it out.

But anyway, even tinsel, you know, you get like long, you just like cut it out.

It's as unnecessarily expensive.

It's as unnecessarily expensive.

It is why it gotta be so expensive.

It is why it gotta be so expensive.

You could make pomp pom ones. Yeah, so cute.

You could make pomp pom ones. Yeah, so cute.

Arguably, like you know those little extraw cleaners that what they call pipe cleaner. Sorry, make a star out of that. I think the entire tree and also we're not looking at it up close. We're just seeing the vibe of the tree most of the time.

Arguably, like you know those little extraw cleaners that what they call pipe cleaner. Sorry, make a star out of that. I think the entire tree and also we're not looking at it up close. We're just seeing the vibe of the tree most of the time.

Sorry, the vibe of the tree is high because everything on it was handmade, handmade exactly.

Sorry, the vibe of the tree is high because everything on it was handmade, handmade exactly.

Give you a couple more, please, please please.

Give you a couple more, please, please please.

Paper chains are really cute. You cut them into like the long and you loop them together. Could you do any color and paper? Also, if you want to make your own little ornaments, it's really good. You just do look it up on the internet. But like flower water, salt, like a basic kind of plato air dry clay texture, roll it out cookie cutters and.

Paper chains are really cute. You cut them into like the long and you loop them together. Could you do any color and paper? Also, if you want to make your own little ornaments, it's really good. You just do look it up on the internet. But like flower water, salt, like a basic kind of plato air dry clay texture, roll it out cookie cutters and.

Then you can paint them or you can. That's cute. Also very cute because you.

Then you can paint them or you can. That's cute. Also very cute because you.

Do like pet poor prince in love hearts Yes, also really good. Yes.

Do like pet poor prince in love hearts Yes, also really good. Yes.

And if you have kids, I feel like it's a fantastic way to get them to because I remember when I was a kid, it's exciting thing the Christmas tree. But it's also like after like an hour of meticulously it's just like it can be boring.

And if you have kids, I feel like it's a fantastic way to get them to because I remember when I was a kid, it's exciting thing the Christmas tree. But it's also like after like an hour of meticulously it's just like it can be boring.

So it's exciting.

So it's exciting.

If you tell the kids we're going to make them, then I don't know, it's just it.

If you tell the kids we're going to make them, then I don't know, it's just it.

Does that and gets the kids to do the wrapping paper. So she buys big rolls of Butcher's paper and then the kids decorated or like walk across it with their feet and paint and like it's very exciting. It's really sweet. I love that anyway. That's it from me, Dary Decoration d It's full of are you feeling? Like everywhere on socials and even in my friendship groups, I feel like everybody's reverting to more of a traditional Christmases than it, Like we're not going for the big shiny tree anymore. We're going for like the thoughtful, handmade tree.

Does that and gets the kids to do the wrapping paper. So she buys big rolls of Butcher's paper and then the kids decorated or like walk across it with their feet and paint and like it's very exciting. It's really sweet. I love that anyway. That's it from me, Dary Decoration d It's full of are you feeling? Like everywhere on socials and even in my friendship groups, I feel like everybody's reverting to more of a traditional Christmases than it, Like we're not going for the big shiny tree anymore. We're going for like the thoughtful, handmade tree.

Yes, is that?

Yes, is that?

Am I? I feel like I'm the only one really noticing this, And maybe it's because, like I'm very into economics, but this is maybe overlay side step. Did you know that during times of economic uncertainty this is just me being a little bit of nerd, people will revert back to traditional ways of doing things because it feels stable.

Am I? I feel like I'm the only one really noticing this, And maybe it's because, like I'm very into economics, but this is maybe overlay side step. Did you know that during times of economic uncertainty this is just me being a little bit of nerd, people will revert back to traditional ways of doing things because it feels stable.

Yes, that's so really interesting.

Yes, that's so really interesting.

TikTok about the rise of the traadwife and like the narrowsmith of it all and how that was potentially tied back to it, which is so interesting.

TikTok about the rise of the traadwife and like the narrowsmith of it all and how that was potentially tied back to it, which is so interesting.

Yeah, like we're all just looking for a little bit of stability. Yeah, when we want something a little bit more wholesome, a little bit more stable, And I was like, oh, okay, I feel cold out because I literally was like, oh, I love my tree, but is it meaningful enough? Should we be doing more like homemade, handmade stuff on here? Anyway?

Yeah, like we're all just looking for a little bit of stability. Yeah, when we want something a little bit more wholesome, a little bit more stable, And I was like, oh, okay, I feel cold out because I literally was like, oh, I love my tree, but is it meaningful enough? Should we be doing more like homemade, handmade stuff on here? Anyway?

That's means someone too, It's meaningful.

That's means someone too, It's meaningful.

Thank you, Thank you. Let's go to a really quick break because I want to get into the flip side of this episode really quickly, because we're going to be talking about what do you do if your friend questions the ethics of your investments. Imagine if you just said the pub beck having your nice soda water and someone's like, I'm your investment's ethical awkward? But how do you have that conversation? And you slid into our dms. This week we're going to be talking about our Christmas bonus. Is the festive norm or are they just wishful thinking? So don't go anywhere. Welcome back everyone.

Thank you, Thank you. Let's go to a really quick break because I want to get into the flip side of this episode really quickly, because we're going to be talking about what do you do if your friend questions the ethics of your investments. Imagine if you just said the pub beck having your nice soda water and someone's like, I'm your investment's ethical awkward? But how do you have that conversation? And you slid into our dms. This week we're going to be talking about our Christmas bonus. Is the festive norm or are they just wishful thinking? So don't go anywhere. Welcome back everyone.

Let's take a listen to this week's mummy dilemma.

Let's take a listen to this week's mummy dilemma.

Hi, there, have you got a money dilemma you just can't solve that. 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 team.

Hi, there, have you got a money dilemma you just can't solve that. 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 team.

I've been on my investing g for a while now. I dove in head first before I even knew what an ETF was, and bought shares in a few different things, including a mining company and some banks, because I saw them as safe bets. I'm now a bit wiser and transitioning to ETFs, but I'm also considering purchasing an investment property in the near future. When I try to talk about investing with my friends, they look at me as though I'm a horrible person. They think it's unethical to be investing this way, especially regarding an investment property, and while I understand where they're coming from, I personally disagree. I've worked insanely hard and made a lot of sacrifices to get where I am financially, But am I wrong for my investment choices? Do you have any advice for discussing investments with people who give you a hard time because they don't agree with your level of ethical tolerance.

I've been on my investing g for a while now. I dove in head first before I even knew what an ETF was, and bought shares in a few different things, including a mining company and some banks, because I saw them as safe bets. I'm now a bit wiser and transitioning to ETFs, but I'm also considering purchasing an investment property in the near future. When I try to talk about investing with my friends, they look at me as though I'm a horrible person. They think it's unethical to be investing this way, especially regarding an investment property, and while I understand where they're coming from, I personally disagree. I've worked insanely hard and made a lot of sacrifices to get where I am financially, But am I wrong for my investment choices? Do you have any advice for discussing investments with people who give you a hard time because they don't agree with your level of ethical tolerance.

It's an awkward one.

It's an awkward one.

I talk about this all the time on the podcast because I get messages and people going the what's a good ethical investment? And ethical to you back might be very different to what ethical to Jess is. And unfortunately in Australia, it's not like organic. And I've said this before, but like you can go to the shops right beck and you could go to the organic section if you really want to spend an arm and a leg. So you're going to go to the organic section and you'll see that things are certified organic, which means they had to go through this rigorous testing process of like do they do this, this, this and this, and then if they pass all those tests, they get a big tick and they get to put the sticker of I'm a certified organic product on there. Right, that does not exist for ethical in Australia. Ethical is just a word like I could call it ethical and you go the it's a tobacco company and I go, yeah, but like have you seen their pay structure? They really look after their team, Like okay, that might be your level of ethical. So it's an interesting conversation to have with people because what you accept is very different to what I might accept, which is very different to what you know, Jess might accept.

I talk about this all the time on the podcast because I get messages and people going the what's a good ethical investment? And ethical to you back might be very different to what ethical to Jess is. And unfortunately in Australia, it's not like organic. And I've said this before, but like you can go to the shops right beck and you could go to the organic section if you really want to spend an arm and a leg. So you're going to go to the organic section and you'll see that things are certified organic, which means they had to go through this rigorous testing process of like do they do this, this, this and this, and then if they pass all those tests, they get a big tick and they get to put the sticker of I'm a certified organic product on there. Right, that does not exist for ethical in Australia. Ethical is just a word like I could call it ethical and you go the it's a tobacco company and I go, yeah, but like have you seen their pay structure? They really look after their team, Like okay, that might be your level of ethical. So it's an interesting conversation to have with people because what you accept is very different to what I might accept, which is very different to what you know, Jess might accept.

That's cool.

That's cool.

That's why we actually love having these conversations because we ask diverse But ess, what would you do if I turned around and maybe not me, because I feel like, be like what, sit down? Shut up? Be What if you're at brunch and one of your friends was like, oh, you want to buy an investment property? Jess, Yeah, that's unethical.

That's why we actually love having these conversations because we ask diverse But ess, what would you do if I turned around and maybe not me, because I feel like, be like what, sit down? Shut up? Be What if you're at brunch and one of your friends was like, oh, you want to buy an investment property? Jess, Yeah, that's unethical.

I think investment properties specifically are very polarizing as an investment, like, I think it's less so I can see that, you know, mining and things might also be somewhat controversial. But I think all the things that our listener listed, the property, the investment property is probably the most you know, talked about one in the group because I think that people are very divided on this, Like we've seen it in our comments, we've seen it in other groups and other places. People feel very strongly one way or the other, and it really does come down to your personal compass. I think, like my perspective on it is, I'm a renter. If people didn't have investment properties to rent out, I would be hopeless, do you know what I mean? So on some level, I think that it's ethical. Yes, the discussion that a lot of people have is around people who have ten properties then you know, driving up housing prizes, driving you know, people like you and mebeck out of the property market because they've driven the prices up so high we can't afford them because maybe they're using their equity or blah blah blah. And I do kind of agree with that side of the argument.