I think that's exactly what I'm going to do. I'm going to transfer the funds from self-wealth into shares because it's just makes more sense to me. Oh,

I love that. So you're an investing queen inside and outside of SUPA. Have you thought about investing for your baby? I

have. And actually, I really need to go back to the investing for kids podcast because I keep thinking about it since I was pregnant with him. I was thinking about this and I haven't done anything. So I really didn't need to.

I was planning my investment plan for my kid way before he was even born, way before he even existed, way before I met his dad. Like

now knowing what it can do, like investing this early on for him. And I'm just conscious that if I'm a single person, if I don't ever meet someone and it's just me, I want him to be able to get to 18 or 20 and have those funds available for university or whatever it might be.

Oh, he's going to be so well set up. I love this so much for you.

But yes, I just, I need to look in because obviously there's the tax implications there and I just need to look again and decide which pathway I want to go down. Yeah,

of course. Have you thought about, I mean, he's true now, so he's not going to comprehend it just yet, but you, have you thought about how you're going to teach him about money?

Yeah, it's a great question. I don't know that I have fully considered it or kind of thought about how I'm going to do it but I definitely do want to make sure that he is educated and knows how to budget for things and is conscious of what money costs and I'm not quite sure you know there's so many different things out there people that the kids do chores and earn money or you know people set up little systems at home where the kid has to pay a little bit of rent with their pocket money. There's so many ways to do it and I haven't found the one that works for you. Yeah. I mean, his too.

You've got so much time. Your money story starts to form at seven. You've got time. You've got time. But I always find it interesting, right, because I obviously think about it all the time. And, you know, complete side note, I obviously write books and I love writing books. My fifth one is about to come out, which is insane to me. But I've always said, I want to write a book to teach people how to teach their kids about money. But I don't want to do that until I'm a mum and I can go through that myself because nobody wants parenting advice from a non-parent. Like, let's be honest, can you imagine some young pre, I'm now in my thirties, but pre 30 year old going, this is how you should teach your kids about money. I don't have any kids. I would have canceled it. So I will at some point pull that together.

But it's interesting because, you know, I obviously listened to your podcast and I know, you know, your father was in finance and gave you advice and you didn't listen. And so it's- Why would I listen? Yeah. What would he know? Would a parent know? Yeah, 100% how you do it so that it sticks in

there, you know? Yeah. And I think that that's where, you know, it's those unconscious narratives that we learn about money that, you know, even you were sharing with us at the start, you were like, you know, there was no particular story that you gave us about learning about money from your parents, but you were like, but if I lost my hat, it wasn't replaceable. But if I lost my jumper, I had to make do. And I think that those are the things where we have such an opportunity to look at the broader way that we refer to purchasing items, the bigger story around it and how we want to craft that. Even the small things about the way we speak about money. Are we going to use conversational pieces like, oh honey, I'm sorry, we can't afford that. Or are we going to say, well actually that's just not in our budget right now, honey. And like, how do we frame things and what does that do to their internal monologue about money that helps us go, oh, yeah, you know, someone might come on my podcast and go, we grew up really poor. Or they might come on my podcast and go, oh, my mum was so savvy growing up. Like there's just like this narrative that we can actually craft ourselves. So irrespective of whether we can invest with our kids or not, like we can actually form their money story and we can help them have a healthy relationship with it. And I think that there's such a misconception around, well, if I'm having kids, I need to give them pocket money and I just don't have the budget for that. You don't need to give them money to teach them about it, which I think is so cool. But that's a side note because I'm just, as you know, wildly passionate about it. I'll be waiting for this book, Victoria. I'm writing it for people like you. So you wait. My friend, talk to me about debt. Do you have any debt? If so, what is it? No. So no major debt. The credit card got paid out. Yes, it

did. It was a bit scary, but it did go. I do have money on it right now because I'm constantly using it, but I'd say I've probably got maybe a thousand dollars on it. So I can pay that off next time I get paid I paid off my Hex debt about three years ago which is a beautiful thing to do.

Okay must be nice that's a bit of a flex okay so I've got kids and no Hex debt nice. Yeah so that's good

no major debt.

I love that tell me what do you think your best money habit is? I

think overall I'm just very conscious of my money So I don't tend to spend things necessarily. And it's not to say that I won't buy a luxury item here or there or something that I really want, but I definitely think most of the times before buying things, I try not to buy things on full price if I can avoid. I feel like there's always a sale or there's always a discount code or

there's always marketplace.

A hundred

percent. And that's a very good mentality to have irrespective. Like that means you're always going to look for one. Yeah. 100%

always. Even if it's food, like there's always like, you know, some type of code out there for something.

100%. If it's not on sale at Coles, it's probably on sale at Woolies. Like we need to be smart about this. And if it's not on sale at either, we are going to

I mean, I do shop at Aldi mostly anyway.

There you go. See?

So yeah, I think that's probably my best money habit. Just being conscious. I am always on marketplace. I'm scouring. I'm a big believer in secondhand. And before you mentioned, you know, things for babies are expensive. I've been so fortunate. So many of my friends, you know, had children before me and had given me so, so much. I have not had to buy pretty much anything full price or at all.

I adore that. Now I'm in that sphere. It's actually wild. One, how much baby stuff costs, but two, just how little you use it. And I think you've got a nearly two-year Harvey, my son, he's seven months old now and he is a tiny pudding. So my friend, Harvey is like 11 kilos at seven months. He is massive. He's like on the 99th percentile. I was going to say my

two-year is nearly, well, he's not quite two. He's 12 and a half kilos.

There you go. He is massive. I actually look, because I'm five two, I look comical carrying my child now. Like he is just a tiny pudding, but the amount of stuff that was only used for two or three months at the very beginning, like, and seeing, I've got one of my girlfriends who's just let me know that she's pregnant. And I'm like, oh my God, so I've got a capsule for you. I've got this, I've got this. Otherwise it's just going to sit in storage. I was like, do you want the snoo? I've got the snoo. I'm like, I'm just so excited that these things are going to get another use. And I was like, only thing I need you to do with it is make sure it comes back to me when I have another baby. Thank you. All good. I feel like you want your friends to have the things that you've got because you just know it's so expensive and you would have spent heaps of cash anyway, like even just to get there. But then food and then nabbies and then, you know, whether you breastfed or formula fed, I think there's this massive misconception that breastfeeding is somehow free. Like absolutely not. Like pumping, organizing the time, the energy, the effort. Like there's just so many hidden costs. And I think it's just, it's so nice when women rally around women and they're like, oh babe, no worries. I've got a cop for you. Like, oh, the pressure that gets taken off.

Yeah. So that's, that's probably, yeah. Best money habit, I think. Secondhand is best.

Oh, is it bad that I wake up in the morning and one of the first things I check is marketplace just to see what's going on? I

know people give away so much stuff. It's amazing. I love it. I did it last weekend.

Actually, I've been clearing out and you know, when you just sometimes you're like, I know I could sell this for money, but at the moment I just need to get rid of it. Like we're about to renovate and just need to get rid of it. So I gave away a chair on Facebook and it was a she's on the money girl. And she messaged me and she was like, yeah, I'd love it. And then she's like, hold on, hold on, hold on. You are actually like Victoria, right? And I was like, yes. And I was like, and I'm glad we're meeting here because this is very authentic to both of us. I was like, this is money win thread worthy. Like this absolutely, like you getting a free chair should go on the money Win thread. So good. But I adore it. Tell me, we're talking good things. What's your worst money habit?