Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr the Order Kerni Whoalbury 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 Whoalbury 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 Podcast Millennials who.

Hello, and welcome to She's on the Money Podcast Millennials who.

Want financial freedom.

Want financial freedom.

Welcome back to another one of our money diaries where I get the absolute pleasure of sitting down with one of our She's on the Money community members and talking to them all about their money story. Let's jump straight into it, because this week I got an email and it sounded exactly like this, Dear She's on the Money. Seven years ago, I was surprise fired from a sixty thousand dollars a year job after my employer used a loophole in employment law to let me go just one week before i'd hit twelve months. This was just months after they'd given me a bonus for doing a good job. It shattered my confidence and I still struggle with imposter syndrome from it. Fast forward to today, I'm earning six figures, have a six figure investment portfolio, and my super is also sitting at six figures. But despite all that progress, I'm still too scared to buy a property. It just feels like such a huge step money Diarist, I can't wait to get to know more about you. Off air, we were talking about the c and how good that is as a game.

Welcome back to another one of our money diaries where I get the absolute pleasure of sitting down with one of our She's on the Money community members and talking to them all about their money story. Let's jump straight into it, because this week I got an email and it sounded exactly like this, Dear She's on the Money. Seven years ago, I was surprise fired from a sixty thousand dollars a year job after my employer used a loophole in employment law to let me go just one week before i'd hit twelve months. This was just months after they'd given me a bonus for doing a good job. It shattered my confidence and I still struggle with imposter syndrome from it. Fast forward to today, I'm earning six figures, have a six figure investment portfolio, and my super is also sitting at six figures. But despite all that progress, I'm still too scared to buy a property. It just feels like such a huge step money Diarist, I can't wait to get to know more about you. Off air, we were talking about the c and how good that is as a game.

So I just feel like we're going to get on really, really well.

So I just feel like we're going to get on really, really well.

Before we dive further in, I need to know if you were to give your money habits a grade, what would you grade them from A through to F.

Before we dive further in, I need to know if you were to give your money habits a grade, what would you grade them from A through to F.

I'm gonna go with an A minus, and I hope I don't regret it. I don't want to be the first person you fight with the other way.

I'm gonna go with an A minus, and I hope I don't regret it. I don't want to be the first person you fight with the other way.

Can you imagine if I was like, by the way, you're not actually that good?

Can you imagine if I was like, by the way, you're not actually that good?

Oh my gosh, do you even know me? Oh? Do Audacit? Anyway? All right? Let's go.

Oh my gosh, do you even know me? Oh? Do Audacit? Anyway? All right? Let's go.

I am excited to learn a bit more because your story is something that I feel like so many of us have had happened to us or like not had a job work out. But before we get into the job stuff, can you tell me a bit more about your money story.

I am excited to learn a bit more because your story is something that I feel like so many of us have had happened to us or like not had a job work out. But before we get into the job stuff, can you tell me a bit more about your money story.

Yeah. So from an early age, I think like the earliest money thing I can remember talking to my parents about was like the end of primary school. My sister's two years older than me, and they're looking for high school for us to go to. And I remember them saying, like, look, where can s ding private schools as an option? But the reality is if we did that, you couldn't afford to do any sports, go on any camps, do anything like that, because like Justice school kind of would be the most we could do. So what we're going to do is we're going to look for like good public schools kind of thing. And that's like my first money memory proper.

Yeah. So from an early age, I think like the earliest money thing I can remember talking to my parents about was like the end of primary school. My sister's two years older than me, and they're looking for high school for us to go to. And I remember them saying, like, look, where can s ding private schools as an option? But the reality is if we did that, you couldn't afford to do any sports, go on any camps, do anything like that, because like Justice school kind of would be the most we could do. So what we're going to do is we're going to look for like good public schools kind of thing. And that's like my first money memory proper.

I think, Yeah, that's interesting because I feel like that must be a conversation that so many of us have had, because I even remember having that conversation in like grade six with my parents talking about you know, what school are we going to go to? And you know, the area I grew up in, there was a lot of like really fancy, like private schools, and then there was public schools, and then there was like the middle ground, which was like the Catholic school, which is where I went. But I remember having a conversation about how astronomically expensive the private schools were, and it just wasn't an option.

I think, Yeah, that's interesting because I feel like that must be a conversation that so many of us have had, because I even remember having that conversation in like grade six with my parents talking about you know, what school are we going to go to? And you know, the area I grew up in, there was a lot of like really fancy, like private schools, and then there was public schools, and then there was like the middle ground, which was like the Catholic school, which is where I went. But I remember having a conversation about how astronomically expensive the private schools were, and it just wasn't an option.

Yeah, because we grew up very firmly middle class. My parents both worked in retail at video stores. It's funny because it's like different video stores as well. They weren't always at the same one. There were competing video stores.

Yeah, because we grew up very firmly middle class. My parents both worked in retail at video stores. It's funny because it's like different video stores as well. They weren't always at the same one. There were competing video stores.

Oh someone's a Blockbuster and the others a Video Easy. I love it.

Oh someone's a Blockbuster and the others a Video Easy. I love it.

Yeah, I kind of a go home and share trade secret.

Yeah, I kind of a go home and share trade secret.

And yeah, my dad actually ended up buying into the franchise of the one he was working at, so.

And yeah, my dad actually ended up buying into the franchise of the one he was working at, so.

It's like, oh, very cool.

It's like, oh, very cool.

Cool. It was good because, yeah, my mum actually got sick with cancer while I was in high school. But because I think at that point he was a part owner, so he had quite a lot of flexibility, which was super useful because you know, going to a lot of appointments and things like that. The flexibility was super important. But at the end of the day. I don't know. I don't know a lot about like owning your own business and franchising and things like that, but it doesn't seem to have been particularly good financial decision. Like he's not in like the best place right now from like a money standpoint, which, yeah, it's just really interesting to see that because like seeing him as like a business owner or a franchise owner has really, I think definitely impacted my money story because I I firmly I'm like, I never want to do that. Like I listened to occasionally some of the Business Bible episodes and I'm just like, I could never, Like I know that there are so many benefits to it, but I'm like, please, someone just be my boss and pay me, give me some money.

Cool. It was good because, yeah, my mum actually got sick with cancer while I was in high school. But because I think at that point he was a part owner, so he had quite a lot of flexibility, which was super useful because you know, going to a lot of appointments and things like that. The flexibility was super important. But at the end of the day. I don't know. I don't know a lot about like owning your own business and franchising and things like that, but it doesn't seem to have been particularly good financial decision. Like he's not in like the best place right now from like a money standpoint, which, yeah, it's just really interesting to see that because like seeing him as like a business owner or a franchise owner has really, I think definitely impacted my money story because I I firmly I'm like, I never want to do that. Like I listened to occasionally some of the Business Bible episodes and I'm just like, I could never, Like I know that there are so many benefits to it, but I'm like, please, someone just be my boss and pay me, give me some money.

I love that you're listening to the Business Bible episodes even though you're like, I don't want to be a business owner, but I want to know the pervydats. I love this for us, but also, I mean, franchising is something that I'm actually going to note this down and pop it on the list to do an episode on because there's lots of people especially after I don't know if you've follow me on social media, but I have been going ham on multi level marketing and a lot of people have been like, oh, is franchising the same And short answer is no, it's definitely not the same. But there are good franchises and bad franchises, and like some people can make absolute bank like I had when I was a financial advisor. Complete side note, just interesting conversation, right, I had a client who owned four different McDonald's locations and that was franchised, and she was making like six and a half million dollars a year. WHOA, right, Like that's good money. And she had these beautiful locations, like really popular places.

I love that you're listening to the Business Bible episodes even though you're like, I don't want to be a business owner, but I want to know the pervydats. I love this for us, but also, I mean, franchising is something that I'm actually going to note this down and pop it on the list to do an episode on because there's lots of people especially after I don't know if you've follow me on social media, but I have been going ham on multi level marketing and a lot of people have been like, oh, is franchising the same And short answer is no, it's definitely not the same. But there are good franchises and bad franchises, and like some people can make absolute bank like I had when I was a financial advisor. Complete side note, just interesting conversation, right, I had a client who owned four different McDonald's locations and that was franchised, and she was making like six and a half million dollars a year. WHOA, right, Like that's good money. And she had these beautiful locations, like really popular places.

And she was making bank.

And she was making bank.

But on the flip side, I have had people come to me and be like, oh, I really want to, you know, go into this Polates franchise and they kind of take all your profit. You don't make anything, and you are absolutely like hamstrung. You also aren't able to leave them without a massive like non compete period. It was just like a really bad.

But on the flip side, I have had people come to me and be like, oh, I really want to, you know, go into this Polates franchise and they kind of take all your profit. You don't make anything, and you are absolutely like hamstrung. You also aren't able to leave them without a massive like non compete period. It was just like a really bad.

Decision for them.

Decision for them.

But that doesn't mean that all Polarates franchises are bad, do you know what I mean? And so it's an interesting conversation to have because I think one it's a little bit pervy because you want to know how people own their businesses. But also, I mean, your parents did purchase into video stats, which don't exist now, so I feel like that might play into it as well.

But that doesn't mean that all Polarates franchises are bad, do you know what I mean? And so it's an interesting conversation to have because I think one it's a little bit pervy because you want to know how people own their businesses. But also, I mean, your parents did purchase into video stats, which don't exist now, so I feel like that might play into it as well.

Yeah, there was also I don't know if you remember in twenty and eleven, that was a really big flood that happened in Brisbane.

Yeah, there was also I don't know if you remember in twenty and eleven, that was a really big flood that happened in Brisbane.

Oh yeah, yeah, their business was.

Oh yeah, yeah, their business was.

Literally underwater, like completely more.

Literally underwater, like completely more.

Oh my god. And it's a physical product. You can't rent out dvbs if they are wet. No.

Oh my god. And it's a physical product. You can't rent out dvbs if they are wet. No.

Yeah, so obviously that had a lot to do with how things kind of shook out. But you you write like it was at that inflection point too, of like they were starting to think about getting out and then the big flood happened and they had to sort of decide like do we just keep going? And they did and that was maybe.

Yeah, so obviously that had a lot to do with how things kind of shook out. But you you write like it was at that inflection point too, of like they were starting to think about getting out and then the big flood happened and they had to sort of decide like do we just keep going? And they did and that was maybe.

But yeah, so it's actually insane to think like that. So many people could have been on that, and I'm sure that there are people who you know, purchased into video stores who have really really healthy bank accounts now because they made that decision and maybe got out at the right time.

But yeah, so it's actually insane to think like that. So many people could have been on that, and I'm sure that there are people who you know, purchased into video stores who have really really healthy bank accounts now because they made that decision and maybe got out at the right time.

It's such an interesting piece and that's.

It's such an interesting piece and that's.

All business, right, Like that can happen in any industry, literally, So.

All business, right, Like that can happen in any industry, literally, So.

Tell me a bit more. You mentioned before that your mum got sick with cancer while you were in high school. I feel like that's a very big piece of your money store.

Tell me a bit more. You mentioned before that your mum got sick with cancer while you were in high school. I feel like that's a very big piece of your money store.

Yeah, it's actually watching her sort of handle like working after because she had so I think I was on about grade nine when she got sick, and I think there was like maybe a year or two of treatments and things, and then she was in remission for like twelve years. So she had a really good, a good run after that. And it was interesting seeing her, like she didn't want to work because you know, you go through something like that, it's like you don't want to just do something you don't like, Like you don't want to spend your time doing that. She was actually a bit of a gamer as well.

Yeah, it's actually watching her sort of handle like working after because she had so I think I was on about grade nine when she got sick, and I think there was like maybe a year or two of treatments and things, and then she was in remission for like twelve years. So she had a really good, a good run after that. And it was interesting seeing her, like she didn't want to work because you know, you go through something like that, it's like you don't want to just do something you don't like, Like you don't want to spend your time doing that. She was actually a bit of a gamer as well.

The apple does not fall that far from the tree.

The apple does not fall that far from the tree.

Yeah, so yeah, just seeing her like want to just kind of be the sort of, you know, homemaker kind of vibe. And eventually she did kind of go back to work in like a retail sort of setting again. But yeah, it was it was interesting to see that.

Yeah, so yeah, just seeing her like want to just kind of be the sort of, you know, homemaker kind of vibe. And eventually she did kind of go back to work in like a retail sort of setting again. But yeah, it was it was interesting to see that.

But is she okay now? Like now that now.

But is she okay now? Like now that now.

She passed away.

She passed away.

My heart no, but that doesn't mean I don't want to talk about your mum, and I hope you're comfortable with that. So did she end up passing away from cancer and the same.

My heart no, but that doesn't mean I don't want to talk about your mum, and I hope you're comfortable with that. So did she end up passing away from cancer and the same.

Yeah, my heart after yeah, the twelve years, she actually did still have like another like quite a while after that, but yeah, it got to a point where the cancer unfortunately won. When my parents did eventually get out of the video store, they were able to move up to the Sunshine Coast and be closer to family, and it was really nice that she got to be a beach for her last couple of years and it was good, it was nice.

Yeah, my heart after yeah, the twelve years, she actually did still have like another like quite a while after that, but yeah, it got to a point where the cancer unfortunately won. When my parents did eventually get out of the video store, they were able to move up to the Sunshine Coast and be closer to family, and it was really nice that she got to be a beach for her last couple of years and it was good, it was nice.

Oh so beautiful up there too.

Oh so beautiful up there too.

Yeah, obviously horrible, yeah no, no, absolutely horrible outcome, but like I'm glad that she got to live her life nicely, like being able to move to the Sunshine Coast and like probably spend more time with you, Like that's exactly what we want, right, Yeah, So tell me once you became an adult, you got a sixty thousand dollars a year job.

Yeah, obviously horrible, yeah no, no, absolutely horrible outcome, but like I'm glad that she got to live her life nicely, like being able to move to the Sunshine Coast and like probably spend more time with you, Like that's exactly what we want, right, Yeah, So tell me once you became an adult, you got a sixty thousand dollars a year job.

What was that job? And tell me a bit more about how that ended.

What was that job? And tell me a bit more about how that ended.

So I actually grew up in Brisbane and I'm now in Sydney, So I had like my first big girl job in Brisbane and then after like maybe three years of being there, my partner actually got an opportunity and they were like, hey, we'll movie Sydney if you want. And I was like, that's fantastic. My career in Brisbane might not grow that far, but Sydney's got a lot of opportunity, so let's do it. So I got my first big girl Sydney job, which was the sixty k Yu Want.

So I actually grew up in Brisbane and I'm now in Sydney, So I had like my first big girl job in Brisbane and then after like maybe three years of being there, my partner actually got an opportunity and they were like, hey, we'll movie Sydney if you want. And I was like, that's fantastic. My career in Brisbane might not grow that far, but Sydney's got a lot of opportunity, so let's do it. So I got my first big girl Sydney job, which was the sixty k Yu Want.

That feels big as well, like going from Brisbane to Sydney, like, oh I have moved on up.

That feels big as well, like going from Brisbane to Sydney, like, oh I have moved on up.

I'm like, oh man in a big city. Yeah. So it was a really really small studio so at the time I was like a graphic designer and that's similar to what I was doing before, but I was coming from more of like a digital space and going to more of a like a creative agency.

I'm like, oh man in a big city. Yeah. So it was a really really small studio so at the time I was like a graphic designer and that's similar to what I was doing before, but I was coming from more of like a digital space and going to more of a like a creative agency.

Very cool.

Very cool.

Yeah, it was really fun. It was a really good way to like get to know Sydney. I liked it. I thought I was doing good because a couple months in, as you mentioned at the start, I got a bonus and it was like thanks for doing such a great job, and I was like, oh, amazing.

Yeah, it was really fun. It was a really good way to like get to know Sydney. I liked it. I thought I was doing good because a couple months in, as you mentioned at the start, I got a bonus and it was like thanks for doing such a great job, and I was like, oh, amazing.

You were welcome.

You were welcome.

Yeah, anytime I'll keep going. Yeah, but we didn't because it was such a small business. There weren't really it wasn't really frameworks for like Tovell and things like that, Like we weren't ever really having check ins to be like I mean, I thought the bonus was a good check in to be like, yeah, good job, but no sit down sort of conversations or anything like that. So then one day I came in and one of the guys sag me down. He's like, so you won't be continuing with the company.

Yeah, anytime I'll keep going. Yeah, but we didn't because it was such a small business. There weren't really it wasn't really frameworks for like Tovell and things like that, Like we weren't ever really having check ins to be like I mean, I thought the bonus was a good check in to be like, yeah, good job, but no sit down sort of conversations or anything like that. So then one day I came in and one of the guys sag me down. He's like, so you won't be continuing with the company.

And I was like, huh, sorry, what where did this come from?

And I was like, huh, sorry, what where did this come from?

And that would have taken you by surprise because you didn't see it coming either.

And that would have taken you by surprise because you didn't see it coming either.

What did that feel like?

What did that feel like?

It felt horrible? I was like so emotional, I burst into tears, and I was just like so confused because yeah, it was such a shock. I said to them, I was like.

It felt horrible? I was like so emotional, I burst into tears, and I was just like so confused because yeah, it was such a shock. I said to them, I was like.

Where did this come from?

Where did this come from?

Where did this come from? And they're like, oh, you just seem really unhappy.

Where did this come from? And they're like, oh, you just seem really unhappy.

Like sorry, what well, Also, my mum had.

Like sorry, what well, Also, my mum had.

Just been rediagnosed with cats. Also, I'm like, yeah, I probably was sad, Like.

Just been rediagnosed with cats. Also, I'm like, yeah, I probably was sad, Like.

Yeah, I was sad, but that doesn't mean I was doing a bad job.

Yeah, I was sad, but that doesn't mean I was doing a bad job.

Yeah, well, so they said that they thought I was doing a bad job as well, like in terms of they thought I'd be able to do more, and to be fair, the type of design that they were doing is not what I do now. I definitely have stronger skill sets. But I was also like, you can't do this, can you? Like you had to tell me that I was doing a bad job, and they said, we are well within our right and that is when I was like, oh no, something that I don't know yet.

Yeah, well, so they said that they thought I was doing a bad job as well, like in terms of they thought I'd be able to do more, and to be fair, the type of design that they were doing is not what I do now. I definitely have stronger skill sets. But I was also like, you can't do this, can you? Like you had to tell me that I was doing a bad job, and they said, we are well within our right and that is when I was like, oh no, something that I don't know yet.

See that stuff gives me the it can Like, I manage a lot of people, and I'm very grateful too, But I often tell my team like, if your role is ever at risk, I will be using that conversation like those terms with you, Like I will sit you down and be like, hey, you know, if this behavior continues, your role is at risk. And I've always been so clear about, you know, articulating that if something is coming, you'll know about it, because I just think that it is poor leadership if any of my team members are caught by surprise. For you to have been caught by surprise, that was on them, not on you, Like you were arguably at sixty thousand a year in a relatively entry level role, like it wouldn't have been and like that's it's not me being mean, it's just it would have been a relatively entry level role. It was their job to provide consistent feedback, and if they weren't doing that and you were surprised by the outcome, that actually is a reflection of them being pretty terrible leaders, like one out of ten for them, Like it's got nothing to do with you, and you know what, maybe like maybe you were doing bad job.

See that stuff gives me the it can Like, I manage a lot of people, and I'm very grateful too, But I often tell my team like, if your role is ever at risk, I will be using that conversation like those terms with you, Like I will sit you down and be like, hey, you know, if this behavior continues, your role is at risk. And I've always been so clear about, you know, articulating that if something is coming, you'll know about it, because I just think that it is poor leadership if any of my team members are caught by surprise. For you to have been caught by surprise, that was on them, not on you, Like you were arguably at sixty thousand a year in a relatively entry level role, like it wouldn't have been and like that's it's not me being mean, it's just it would have been a relatively entry level role. It was their job to provide consistent feedback, and if they weren't doing that and you were surprised by the outcome, that actually is a reflection of them being pretty terrible leaders, like one out of ten for them, Like it's got nothing to do with you, and you know what, maybe like maybe you were doing bad job.

That's fine, that's absolutely fine, but you.

That's fine, that's absolutely fine, but you.

Deserved their feedback to be like, hey, money Dires, like, you know, we actually need to see you performing here, but you're right here right now, and you go, yeah, no worries, I'm working towards it. Like you should have had so many check in points that by the time they sat you down and said, hey, money Dires, like this role isn't going to work out, you'd be like, yeah, I know, like you've been telling me, it just makes sense, Like I've actually already in the background been looking for a new job, like this should have been an ongoing conversation. And it makes me so mad because so many people in the She's on the Money community message me and be like, oh, I you know, same situation as you. I got surprised fired and you're just like, that is not on you.

Deserved their feedback to be like, hey, money Dires, like, you know, we actually need to see you performing here, but you're right here right now, and you go, yeah, no worries, I'm working towards it. Like you should have had so many check in points that by the time they sat you down and said, hey, money Dires, like this role isn't going to work out, you'd be like, yeah, I know, like you've been telling me, it just makes sense, Like I've actually already in the background been looking for a new job, like this should have been an ongoing conversation. And it makes me so mad because so many people in the She's on the Money community message me and be like, oh, I you know, same situation as you. I got surprised fired and you're just like, that is not on you.

That is on them for honestly most of the time, not having the balls to have hard conversations with their team.

That is on them for honestly most of the time, not having the balls to have hard conversations with their team.

Yeah. I definitely think it was that. Like some of the things I was saying in the conversation as well were just like the math wasn't mathing. They were like, oh, you should have been teaching yourself how to use this application on the weekends and I'm like.

Yeah. I definitely think it was that. Like some of the things I was saying in the conversation as well were just like the math wasn't mathing. They were like, oh, you should have been teaching yourself how to use this application on the weekends and I'm like.

What, sorry, No, I were you buying me on the weekends.

What, sorry, No, I were you buying me on the weekends.

Yeah, And it's like, also, did you tell me that you wanted to be to learn that and you didn't. Oh.

Yeah, And it's like, also, did you tell me that you wanted to be to learn that and you didn't. Oh.

And also I love when they start saying things like oh yeah, and I mean cultural fit. You're like, sorry, why is that being added to the mix?

And also I love when they start saying things like oh yeah, and I mean cultural fit. You're like, sorry, why is that being added to the mix?

Like, oh yeah it was.

Like, oh yeah it was.

It was, Yeah, so devastating, so devastating.

It was, Yeah, so devastating, so devastating.

I'm sorry that that happened. And I think the shittiest part about that is their poor leadership has now meant that you are still struggling with imposter syndrome.

I'm sorry that that happened. And I think the shittiest part about that is their poor leadership has now meant that you are still struggling with imposter syndrome.

So tell me a bit.

So tell me a bit.

More about that, because that that's a bullshit syndrome. I have it, you have it, but we all know we shouldn't have it.

More about that, because that that's a bullshit syndrome. I have it, you have it, but we all know we shouldn't have it.

Yeah, honestly, I think I had it before this happened, but that obviously has acerbated it a lot. The worst part was like once it happened, I was like, how do I get another job? Like what do you tell people when that happens? And luckily I had when I was in university, I was in like an academic program because classic high achiever. So I sent the email to the manager of the group, and I was like, Hey, this thing happened, help me, Like what do I do? So I was very lucky I had someone I could reach out to and have a conversation about, like what should we do? Like what does this look like? I can't even really remember what I did. I think they were basically like, just don't bring it up, and I think that's what I ended up doing. And luckily, no one when I was interviewing was like what happened. I think I kind of was just phrasing it like my year ended, like is it like it was a contract, It's fine, it's done.

Yeah, honestly, I think I had it before this happened, but that obviously has acerbated it a lot. The worst part was like once it happened, I was like, how do I get another job? Like what do you tell people when that happens? And luckily I had when I was in university, I was in like an academic program because classic high achiever. So I sent the email to the manager of the group, and I was like, Hey, this thing happened, help me, Like what do I do? So I was very lucky I had someone I could reach out to and have a conversation about, like what should we do? Like what does this look like? I can't even really remember what I did. I think they were basically like, just don't bring it up, and I think that's what I ended up doing. And luckily, no one when I was interviewing was like what happened. I think I kind of was just phrasing it like my year ended, like is it like it was a contract, It's fine, it's done.

You do what you've got to do to get by.

You do what you've got to do to get by.

Yeah, Like I definitely would talk about it now because enough time is past and like I'm confident enough in myself that i could look back at that and be like, yeah, well it wasn't a right fit, and like they ended it and it was a surprise. I'm glad I'm not there anymore, because I do think it was not a great company one.

Yeah, Like I definitely would talk about it now because enough time is past and like I'm confident enough in myself that i could look back at that and be like, yeah, well it wasn't a right fit, and like they ended it and it was a surprise. I'm glad I'm not there anymore, because I do think it was not a great company one.

Hundred percent, because they're terrible leaders, one out of ten.

Hundred percent, because they're terrible leaders, one out of ten.

Like I feel like in moments like that, it really shows the type of team they are, like, and they're probably the same type of team that's like, yeah, we're a great, close knit family, Rara, but also we blindside our staff like one out of ten. So talk to me. I know that you've got a better job. Now, fast forward to today. What do you do for work and how much money do you warn?

Like I feel like in moments like that, it really shows the type of team they are, like, and they're probably the same type of team that's like, yeah, we're a great, close knit family, Rara, but also we blindside our staff like one out of ten. So talk to me. I know that you've got a better job. Now, fast forward to today. What do you do for work and how much money do you warn?

Yes? So, I am currently a senior product designer at a tech company on one hundred and forty five thousand and six hundred dollars a year, not including super.

Yes? So, I am currently a senior product designer at a tech company on one hundred and forty five thousand and six hundred dollars a year, not including super.

Oh okay, okay, and then super is plus. Yeah, Oh my god, can you please tell me what a senior product designer does at a tech coming?

Oh okay, okay, and then super is plus. Yeah, Oh my god, can you please tell me what a senior product designer does at a tech coming?

I have no idea what that means.

I have no idea what that means.

Yeah. So it's like a mix of user interface design and user experience design. So it's both how.

Yeah. So it's like a mix of user interface design and user experience design. So it's both how.

Oh yeah, totally yeah, Okay, it's.

Oh yeah, totally yeah, Okay, it's.

Like how something looks is like the user interface part, like literally like the buttons and stuff, and then the experience part is like how someone actually uses it. So it's like full end to end, like what is the problem we are trying to solve? And then it's like how would someone use it? And then sometimes there's like testing and things that you do with people.

Like how something looks is like the user interface part, like literally like the buttons and stuff, and then the experience part is like how someone actually uses it. So it's like full end to end, like what is the problem we are trying to solve? And then it's like how would someone use it? And then sometimes there's like testing and things that you do with people.

That's actually really cool, so you like make it look pretty but also make it really functional at the same time.

That's actually really cool, so you like make it look pretty but also make it really functional at the same time.

Yeah, make it work.

Yeah, make it work.

Oh I love that.

Oh I love that.

And so obviously you went from like more of a graphic design role and now you're earning like one hundred and forty five grand as a thirty three year old.

And so obviously you went from like more of a graphic design role and now you're earning like one hundred and forty five grand as a thirty three year old.

That is so epic.

That is so epic.

Tell me how long did it take you to get to a role where you were literally earning more than double what you were in the job that you got fired from, because that's actually a bit of a sleigh, right.

Tell me how long did it take you to get to a role where you were literally earning more than double what you were in the job that you got fired from, because that's actually a bit of a sleigh, right.

Yeah. So that role was super like we do posters like. It was very like classic graphic design. And so my next role was another small agency but a bit bigger, and it was more sort of digital focus, so like more opportunity to be doing more like websites and applications and things like that again, which is what I actually had done previously. Yeah, so got a bit more stuck into that. And luckily while I was there, the company had quite a bit of growth and I had the opportunity to kind of growth at the company, and we started getting some customers that were like, oh, we want more use to interface stuff. So I was able to get into that. And then this next company was really good. They were very into like development and cared a lot about making sure that their employees were like getting further educations and feeling challenge and things like that. So I actually did a bit of additional T was like a six week short course in user experience design, which is what I now do. So I was kind of doing it as a job, but also I had never done any training in it, so I did something official training to like really film up those skills.

Yeah. So that role was super like we do posters like. It was very like classic graphic design. And so my next role was another small agency but a bit bigger, and it was more sort of digital focus, so like more opportunity to be doing more like websites and applications and things like that again, which is what I actually had done previously. Yeah, so got a bit more stuck into that. And luckily while I was there, the company had quite a bit of growth and I had the opportunity to kind of growth at the company, and we started getting some customers that were like, oh, we want more use to interface stuff. So I was able to get into that. And then this next company was really good. They were very into like development and cared a lot about making sure that their employees were like getting further educations and feeling challenge and things like that. So I actually did a bit of additional T was like a six week short course in user experience design, which is what I now do. So I was kind of doing it as a job, but also I had never done any training in it, so I did something official training to like really film up those skills.

How did you realize that this was a career path you were interested in, because one when you said I'm a senior product designer, like, I had no idea what that is. It now makes a lot of sense, But how do you go, oh, I really want to do this as a role from going oh, you know, and I'm very very much simplifying it, but going from you know, creating pretty posters to something which I would deem to be a lot more technical and involved.

How did you realize that this was a career path you were interested in, because one when you said I'm a senior product designer, like, I had no idea what that is. It now makes a lot of sense, But how do you go, oh, I really want to do this as a role from going oh, you know, and I'm very very much simplifying it, but going from you know, creating pretty posters to something which I would deem to be a lot more technical and involved.

Is this something that you went to UNI with?

Is this something that you went to UNI with?

Like is this something where you know you were just really good at coding your MySpace back in the day and realized, actually, I'm pretty good at this and I want to make this my job. Like how does this come to fruition?

Like is this something where you know you were just really good at coding your MySpace back in the day and realized, actually, I'm pretty good at this and I want to make this my job. Like how does this come to fruition?

Yeah, it's an interesting journey because if you had told graphic design me at the time that that kind of salary was possible, I would have been like, you are kidding, Because I remember one of my friends talking to me. She was a freelance illustrator and she was on like eighty K and I was like, whoa, that's like the most I could imagine.

Yeah, it's an interesting journey because if you had told graphic design me at the time that that kind of salary was possible, I would have been like, you are kidding, Because I remember one of my friends talking to me. She was a freelance illustrator and she was on like eighty K and I was like, whoa, that's like the most I could imagine.

That's so much money. Yeah.

That's so much money. Yeah.

Yeah, I don't even remember when I found out that this, Like I can't quite pinpoint it exactly. But when I was going into my degree, I actually started with interior design because of the sims. I was like, I can decorate a room. I'm great at this.

Yeah, I don't even remember when I found out that this, Like I can't quite pinpoint it exactly. But when I was going into my degree, I actually started with interior design because of the sims. I was like, I can decorate a room. I'm great at this.

Yeah, I am fantastic.

Yeah, I am fantastic.

What wall paneling would you laugh exactly, We'll start there flooring, Yeah, one hundred percent. Where are we putting the windows? Is there a pitched roof? Like ah, yeah, you and I oh, And.

What wall paneling would you laugh exactly, We'll start there flooring, Yeah, one hundred percent. Where are we putting the windows? Is there a pitched roof? Like ah, yeah, you and I oh, And.

I did a year of that and it was horrible. So I changed the major so it was the same degree, but I just changed the major to like visual communication design, which wasn't fully like posters. It was like a little bit posters, but there was a little bit of that like digital kind of element. But yeah, when I graduated, I was kind of like, I am not a creative person, like in the way that some of these other designers are. Like, I just don't see myself at those skill sets. So as soon as I had the opportunity in a role to do more of that less creative stuff, like the thinking not physical pretty picture's part, I noticed that I was really good at it. And then from there I think I was probably just like going to meet ups and things like that, and then like conferences occasionally and you'd hear people talk and they'd be like, Oh, I'm this kind of designer, and then I'd be like, come on, maybe that's the kind of thing I could do. And then like I had friends obviously who I graduated with, and some of them were kind of going in the same direction, so it was kind of like conversations with friends and just yeah, seeing what's out there.

I did a year of that and it was horrible. So I changed the major so it was the same degree, but I just changed the major to like visual communication design, which wasn't fully like posters. It was like a little bit posters, but there was a little bit of that like digital kind of element. But yeah, when I graduated, I was kind of like, I am not a creative person, like in the way that some of these other designers are. Like, I just don't see myself at those skill sets. So as soon as I had the opportunity in a role to do more of that less creative stuff, like the thinking not physical pretty picture's part, I noticed that I was really good at it. And then from there I think I was probably just like going to meet ups and things like that, and then like conferences occasionally and you'd hear people talk and they'd be like, Oh, I'm this kind of designer, and then I'd be like, come on, maybe that's the kind of thing I could do. And then like I had friends obviously who I graduated with, and some of them were kind of going in the same direction, so it was kind of like conversations with friends and just yeah, seeing what's out there.

That's really good. I love it.

That's really good. I love it.

Sorry, I'm asking so many like career questions, but often we get people on the show and I'm like, but how did you get there? Like, you know, I feel like there's so much pressure when you're in grade eleven and twelve to know what you want to do with the rest of your life. And I went into psychology and I don't regret it because I feel like it obviously helps me in what I do today. But like, had I had more opportunity to understand people's career trajectory and opportunities, I wouldn't have done psychology. Like you have to do so much work and additional degrees to get a job in that space, Like what was I doing?

Sorry, I'm asking so many like career questions, but often we get people on the show and I'm like, but how did you get there? Like, you know, I feel like there's so much pressure when you're in grade eleven and twelve to know what you want to do with the rest of your life. And I went into psychology and I don't regret it because I feel like it obviously helps me in what I do today. But like, had I had more opportunity to understand people's career trajectory and opportunities, I wouldn't have done psychology. Like you have to do so much work and additional degrees to get a job in that space, Like what was I doing?

Like at the time, I'm like, this is my career.

Like at the time, I'm like, this is my career.

Like it wasn't though, because I didn't even know what the proper outcomes could be.

Like it wasn't though, because I didn't even know what the proper outcomes could be.

Oh, it drives me insane. So I know, since since.

Oh, it drives me insane. So I know, since since.

You getting fired, you've achieved a lot. Tell me, what are your big money goals? What are you currently working towards.

You getting fired, you've achieved a lot. Tell me, what are your big money goals? What are you currently working towards.

Yeah, so it's so boring because my main goal is just maintenance, Like just keep doing what.

Yeah, so it's so boring because my main goal is just maintenance, Like just keep doing what.

That's not boring.

That's not boring.

That means that you've like achieved it, Like you're like, oh, I don't need to work on my cash flow.

That means that you've like achieved it, Like you're like, oh, I don't need to work on my cash flow.

I'm great at that. That's like your goals. What are your goals? Ah, you are the goals?

I'm great at that. That's like your goals. What are your goals? Ah, you are the goals?

No, gross, No, But I am going to Europe next year. I've heard about flights.

No, gross, No, But I am going to Europe next year. I've heard about flights.

Oh exciting.

Oh exciting.

Yeah, my best friend and my partner and I are going because my best friend is French, so I'm going to go meet a family, which is really exciting.

Yeah, my best friend and my partner and I are going because my best friend is French, so I'm going to go meet a family, which is really exciting.

Oh good.

Oh good.

Yeah. We're also seeing DJ Snake his last concert.

Yeah. We're also seeing DJ Snake his last concert.

I love this for you.

I love this for you.

Yeah, so I guess like technically that's probably like the big one, but I am kind of always saving for a holiday. So but yeah, keep investing, keep contributing to super, and keep up with getting my nails done.

Yeah, so I guess like technically that's probably like the big one, but I am kind of always saving for a holiday. So but yeah, keep investing, keep contributing to super, and keep up with getting my nails done.

I love that.

I love that.

It's all about a little bit of balance that's got to a really quick break. And on the flip side, I actually I want to dive a bit more into that money goal of yours, which is investing, because I know that you've got a six figure investment portfolio, and I feel like that's a lot at thirty three years old. So a guys, don't go anywhere, all right, money dirist. We are back and we're talking about investments. So tell me you said before, like, oh, I don't really have any big money goals, like I'm always saving for a holiday. But I know you have a big money goal and that must be like financial freedom because you have a six figure investment portfolio. And if it's not financial freedom, what's that for?

It's all about a little bit of balance that's got to a really quick break. And on the flip side, I actually I want to dive a bit more into that money goal of yours, which is investing, because I know that you've got a six figure investment portfolio, and I feel like that's a lot at thirty three years old. So a guys, don't go anywhere, all right, money dirist. We are back and we're talking about investments. So tell me you said before, like, oh, I don't really have any big money goals, like I'm always saving for a holiday. But I know you have a big money goal and that must be like financial freedom because you have a six figure investment portfolio. And if it's not financial freedom, what's that for?

Tell me more?

Tell me more?

No, you're right, it is financial freedom, I guess, but it just feels weird to say, like that's the goal, but I guess it is. There's the goal, financial freedom.

No, you're right, it is financial freedom, I guess, but it just feels weird to say, like that's the goal, but I guess it is. There's the goal, financial freedom.

I don't want to work, like if you don't have to work, like I want you to work if you love it. But like imagine waking up one day and going I don't have to go to work and I can still pay all of my bills and live my best life and I can afford a coffee and my nails, Like is that not living?

I don't want to work, like if you don't have to work, like I want you to work if you love it. But like imagine waking up one day and going I don't have to go to work and I can still pay all of my bills and live my best life and I can afford a coffee and my nails, Like is that not living?

Yeah?

Yeah?

It's funny you say that though, because like when I do the math for like looking at what i'd have for retirement, I actually have to keep doing exactly what I'm doing for the next like thirty years. So it's like it's not.

It's funny you say that though, because like when I do the math for like looking at what i'd have for retirement, I actually have to keep doing exactly what I'm doing for the next like thirty years. So it's like it's not.

Sexy like once.

Sexy like once.

Like, I feel like I've been trying to stop stop ruining the dream for everybody else. So money direst because I have been working my butt off to sell investment to everybody. I'm like, investment is the best idea ever because you can create financial freedom. But then they realize it takes like thirty years. I'm like, Noah, don't worry about that part. Don't worry about that part. Let's just gloss over that you get rich. But tell me, you obviously are very aware that you have this investment portfolio that looks pretty good now and you need to continue to do the same thing for the next thirty years. What is that same thing? What are you doing for thirty years and what's the outcome going to be?

Like, I feel like I've been trying to stop stop ruining the dream for everybody else. So money direst because I have been working my butt off to sell investment to everybody. I'm like, investment is the best idea ever because you can create financial freedom. But then they realize it takes like thirty years. I'm like, Noah, don't worry about that part. Don't worry about that part. Let's just gloss over that you get rich. But tell me, you obviously are very aware that you have this investment portfolio that looks pretty good now and you need to continue to do the same thing for the next thirty years. What is that same thing? What are you doing for thirty years and what's the outcome going to be?

Yes, so I will stop Super. So I have about one hundred and fifty thousand in SUPER at the moment. It is across two almost three accounts, and that is for insurance reasons.

Yes, so I will stop Super. So I have about one hundred and fifty thousand in SUPER at the moment. It is across two almost three accounts, and that is for insurance reasons.

I like that.

I like that.

Yes, when the third one was opened, I didn't actually realize it was going to happen, and I got so shook and I was like two I could handle, but three I'm not sure about. But we'll see. Yeah. So for that, I am contributing two thousand, five hundred and ninety five a month. What and one thousand, three hundred and ninety five That is the guarantee, and then I do an additional one thousand, two hundred as a salary sacrifice.

Yes, when the third one was opened, I didn't actually realize it was going to happen, and I got so shook and I was like two I could handle, but three I'm not sure about. But we'll see. Yeah. So for that, I am contributing two thousand, five hundred and ninety five a month. What and one thousand, three hundred and ninety five That is the guarantee, and then I do an additional one thousand, two hundred as a salary sacrifice.

Okay, So that's in to your super which is I guess, very very attractive. This external investment though, talk to me about that. What does that look like?

Okay, So that's in to your super which is I guess, very very attractive. This external investment though, talk to me about that. What does that look like?

Yes, so I just checked it right before this call, and it's gone up a little bit thanks to the chaos in America. I'm assuming.

Yes, so I just checked it right before this call, and it's gone up a little bit thanks to the chaos in America. I'm assuming.

Oh I love the case, like I don't love what's happening, but like I do love watching what it's been doing to the share market, like me too.

Oh I love the case, like I don't love what's happening, but like I do love watching what it's been doing to the share market, like me too.

Oh, it's very attractive, it is.

Oh, it's very attractive, it is.

Yeah. So currently my parlor account is sitting at one hundred and ten thousand dollars.

Yeah. So currently my parlor account is sitting at one hundred and ten thousand dollars.

Okay, that is iconic. How did you get one hundred and ten thousand dollars in a parlor account? Though?

Okay, that is iconic. How did you get one hundred and ten thousand dollars in a parlor account? Though?

Yeah? So I at the moment am contributing two two hundred dollars a month.

Yeah? So I at the moment am contributing two two hundred dollars a month.

I was post tax, so that's like your tax money that comes into your bank account because we just talked about super so I'm just trying to make sure that we can be super clear. So you have found a way to get two thousand, two hundred bucks a month to invest.

I was post tax, so that's like your tax money that comes into your bank account because we just talked about super so I'm just trying to make sure that we can be super clear. So you have found a way to get two thousand, two hundred bucks a month to invest.

Yes, you're going to be so rich.

Yes, you're going to be so rich.

I love this fingers crossed. It's funny because I was looking to see because I knew would talk about like how did I get started? And I did start with raise, but I was only just doing raise. I was doing fifty dollars a week on Rais initially, and that lasted six months before I opened my Pearlar account because I knew that I wanted to.

I love this fingers crossed. It's funny because I was looking to see because I knew would talk about like how did I get started? And I did start with raise, but I was only just doing raise. I was doing fifty dollars a week on Rais initially, and that lasted six months before I opened my Pearlar account because I knew that I wanted to.

Invest for like, but it's a gateway, like I have referred to these micro investing platforms before as like gateway drugs, and they are. They're like gateway drugs to getting you investing. And then it's a slippery slope. And then you get a pearl re account or you get a share z these account, and you start investing bigger amounts and then you see what's happening, like have you done the maths on what your compounding is actually going to look like?

Invest for like, but it's a gateway, like I have referred to these micro investing platforms before as like gateway drugs, and they are. They're like gateway drugs to getting you investing. And then it's a slippery slope. And then you get a pearl re account or you get a share z these account, and you start investing bigger amounts and then you see what's happening, like have you done the maths on what your compounding is actually going to look like?

In that I've gone to the Lovely Government website with the Compound.

In that I've gone to the Lovely Government website with the Compound.

Calculator, Yeah, my favorite website.

Calculator, Yeah, my favorite website.

Yeah, that's actually how I was doing it, to be like I would have to keep doing the same contributions to hit a certain point in the future kind of thing.

Yeah, that's actually how I was doing it, to be like I would have to keep doing the same contributions to hit a certain point in the future kind of thing.

So when you say hit a certain point, have you picked a point and you've said, oh, this is what my goal is, like, talk to me about what that looks like.

So when you say hit a certain point, have you picked a point and you've said, oh, this is what my goal is, like, talk to me about what that looks like.

Ish, So, like, I haven't like written a specific number down, but I think it was. I was listening to one of the podcast episodes about like retirement planning or something, and they're talking about the actual numbers, and I think I'm aiming for like one mill so one point four mil. I think it was for me to actually be comfortable, which is I'm over budgeting for everything. Yeah.

Ish, So, like, I haven't like written a specific number down, but I think it was. I was listening to one of the podcast episodes about like retirement planning or something, and they're talking about the actual numbers, and I think I'm aiming for like one mill so one point four mil. I think it was for me to actually be comfortable, which is I'm over budgeting for everything. Yeah.

I was about to say, Babe, I don't know if you've done the actual maths, because you said you did the maths.

I was about to say, Babe, I don't know if you've done the actual maths, because you said you did the maths.

But that's not the maths.

But that's not the maths.

That's not the math Okay.

That's not the math Okay.

I mean that's good, Like that's fantastic.

I mean that's good, Like that's fantastic.

Like when you said I've overbudgeted, yes, my friend, you have Yes, so you told me I've done it.

Like when you said I've overbudgeted, yes, my friend, you have Yes, so you told me I've done it.

I've done it. In the background twhile.

I've done it. In the background twhile.

We've been talking, because it's just I'm so pervy, Like my favorite thing about money. Don't you can't just go up to some random at a cafe and be like, hey, I like your jump up.

We've been talking, because it's just I'm so pervy, Like my favorite thing about money. Don't you can't just go up to some random at a cafe and be like, hey, I like your jump up.

Also, what do you earn? Like, that's not how this works.

Also, what do you earn? Like, that's not how this works.

But I get to ask you literally all of the money questions because you decided to sit in front of me and say, have at it.

But I get to ask you literally all of the money questions because you decided to sit in front of me and say, have at it.

Vay.

Vay.

So you said that you have currently one hundred and ten thousand dollars in your Parler account right and you're investing two two hundred dollars each in every single month. You also said earlier to me that you have in your mind another thirty years of doing this. So I've taken that number and gone, all right, well, that will make you sixty three by that point in time, which is a good retirement time. Don't worry with these numbers. You've gone retire early. With that, it means over your lifetime you are going to You've got you one hundred and ten thousand dollars to start with your twenty two hundred dollars a month being contributed. For the next thirty years, you're going to contribute a total of seven hundred and ninety two dollars to that investment, which is very exciting. So that's just the cash that you're tipping in. But we know that money compounds, and we also know that over the last thirty years, the average rate of return of the Australian share market has been nine point three percent. So I'm just going to use nine percent in this situation because it seems kind of reflective, which means you will make on average total amount of interest of four million, seven hundred thousand dollars. I definitely didn't mas your investment portfolio at this point has a trajectory of five point six four million dollars, which means at retirement we're not even taking your superannuation into consideration. At retirement. That means if we just base it off a five percent draw down. So, as I said before, nine percent is what the Australian share market returns at. But when you retire, we don't want to just take all of the profit off the table. We want to take five percent and then still have some compounding to do, because like we want money to make money and like you know, sustainability. So we're going to take five percent, and five percent of five point six million dollars is an income of two hundred and seventy five thousand dollars a year, and that's not what your super is going to pay.

So you said that you have currently one hundred and ten thousand dollars in your Parler account right and you're investing two two hundred dollars each in every single month. You also said earlier to me that you have in your mind another thirty years of doing this. So I've taken that number and gone, all right, well, that will make you sixty three by that point in time, which is a good retirement time. Don't worry with these numbers. You've gone retire early. With that, it means over your lifetime you are going to You've got you one hundred and ten thousand dollars to start with your twenty two hundred dollars a month being contributed. For the next thirty years, you're going to contribute a total of seven hundred and ninety two dollars to that investment, which is very exciting. So that's just the cash that you're tipping in. But we know that money compounds, and we also know that over the last thirty years, the average rate of return of the Australian share market has been nine point three percent. So I'm just going to use nine percent in this situation because it seems kind of reflective, which means you will make on average total amount of interest of four million, seven hundred thousand dollars. I definitely didn't mas your investment portfolio at this point has a trajectory of five point six four million dollars, which means at retirement we're not even taking your superannuation into consideration. At retirement. That means if we just base it off a five percent draw down. So, as I said before, nine percent is what the Australian share market returns at. But when you retire, we don't want to just take all of the profit off the table. We want to take five percent and then still have some compounding to do, because like we want money to make money and like you know, sustainability. So we're going to take five percent, and five percent of five point six million dollars is an income of two hundred and seventy five thousand dollars a year, and that's not what your super is going to pay.

Do you think you could live comfortably?

Do you think you could live comfortably?

I think I could.

I think I could.

Well. The thing is, though you think you could, We're.

Well. The thing is, though you think you could, We're.

Going to get into that where am I living situation though, because like that's including rent, that's including red.

Going to get into that where am I living situation though, because like that's including rent, that's including red.

Oh okay, So if you're going to pay rent two hundred and seventy five thousand dollars, I don't know.

Oh okay, So if you're going to pay rent two hundred and seventy five thousand dollars, I don't know.

Could you rent in Sydney?

Could you rent in Sydney?

Probably, we'll see.

Probably, we'll see.

So that doesn't include your super.

So that doesn't include your super.

But I think it's really exciting because life ebbs and flows, right, So now we're going to talk about your living situation, and that might mean that you contribute less to your investments for a period of time, but knowing that you're still contributing. You said, two thousand, five hundred and ninety five dollars to your super, that's going to work itself out over there too, so like your money is going to be making money. Tell me about your living situation.

But I think it's really exciting because life ebbs and flows, right, So now we're going to talk about your living situation, and that might mean that you contribute less to your investments for a period of time, but knowing that you're still contributing. You said, two thousand, five hundred and ninety five dollars to your super, that's going to work itself out over there too, so like your money is going to be making money. Tell me about your living situation.

Yeah, No, I'm just trying to think how I did the maths so wrong. I think I was being extremely conservative with the like percentage that I was using. I was probably using like five percent or something, because I'm just like.

Yeah, No, I'm just trying to think how I did the maths so wrong. I think I was being extremely conservative with the like percentage that I was using. I was probably using like five percent or something, because I'm just like.

I would much prefer you to underpromise and overdeliver.

I would much prefer you to underpromise and overdeliver.

Yes, me too.

Yes, me too.

That sounds like a good plan because even if we try and underpromise and over deliver for ourselves now and change that annual interest rate from nine percent down to seven and a half percent, which I like to use often, your total investment portfolio by the time your sixty three would be four million dollars.

That sounds like a good plan because even if we try and underpromise and over deliver for ourselves now and change that annual interest rate from nine percent down to seven and a half percent, which I like to use often, your total investment portfolio by the time your sixty three would be four million dollars.

So I don't know if you could live off that, but you let me know.

So I don't know if you could live off that, but you let me know.

Okay, Yeah, I definitely did bad. I blame the compound calculator that on the money.

Okay, Yeah, I definitely did bad. I blame the compound calculator that on the money.

Oh no, that bad bab Look at my screen right now, that's what I'm using.

Oh no, that bad bab Look at my screen right now, that's what I'm using.

Okay, I blame error. It's my.

Okay, I blame error. It's my.

Maybe you should call the government up and be like, do you guys actually need a senior product designer?

Maybe you should call the government up and be like, do you guys actually need a senior product designer?

Oh my god, they don't need me. They need someone better, No.

Oh my god, they don't need me. They need someone better, No.

They do. They do.

They do. They do.

Like this calculator is ugly, Like it does the job, but she's not cute.

Like this calculator is ugly, Like it does the job, but she's not cute.

She's not cute.

She's not cute.

I don't mind it because I find it very functional and that's my vibes.

I don't mind it because I find it very functional and that's my vibes.

So yeah, okay, all right, well I would like it functional and aesthetic. Anyway, back on topic, tell me, are you planning on purchasing property? I know in your money though you wrote in and said you know, I made a lot of progress. I have six figures in my super six figures in my investment portfolio, making six figures a year. But property feels like a step that's too big for me to take. What's that about.

So yeah, okay, all right, well I would like it functional and aesthetic. Anyway, back on topic, tell me, are you planning on purchasing property? I know in your money though you wrote in and said you know, I made a lot of progress. I have six figures in my super six figures in my investment portfolio, making six figures a year. But property feels like a step that's too big for me to take. What's that about.

Yeah, I'm not sold on it because for me, the math isn't mathing for property. I really like investing because even though I've never had to decrease the amount of money so far, I know that I could if I wanted to, if I need it to, Like if something happened, if I had to take a break, if I had a lot paying job, I could just contribute less and that would be fine, Like no big deal. But looking at a mortgage, like, firstly, there's the deposit, which I could definitely save up. I could definitely get there, But the idea of locking yourself into a thirty year contract that like I would try and do it in less but like the reality is, like anything could happen, Like I just don't believe that I could be I can't see it happening. It's too scary.