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Description
The past two years have been challenging for us all. Now that restrictions have eased and we are slowly settling into our new lifestyles, it may be a bit overwhelming to think about life going back to normal. So let’s talk about it!
Introducing: a brand new podcast called the Reality Shake-Up!
In collaboration with our community members, we’ve created a podcast that explores everyday topics that we’re all dealing with, whether that’s navigating the world of work during a pandemic, managing your own mental health and more.
Episode one is all about money. Our young hosts Rebecca and Kano chat with the fabulous Dr Jozica Kutin on how young people can learn to better manage their finances. Now that the shops and borders are opening up again, how can we enjoy ourselves in the present while also planning for the future? Tune in now to find out!
Jozica completed her PhD in the School of Economics, Finance and Marketing at RMIT and has a Masters in Forensic Psychology from Monash University. Her research focusses on (preventing) economic abuse in young adult relationships, and development of relationship-based financial capabilities and financial wellbeing. Jozica has worked across industry and community organisations developing or evaluating financial abuse and financial capability resources.
Also, don’t forget to check out You, Me and Money, a website that Jozica worked on to help young people manage money in relationships: https://www.youmemoney.org.au/
#RealityShakeUp
A
B
C
That's
easy
connor.
I
like
the
car
thing
because
I'll
use
that
later
so
my
name's
jessica
and
I'm
a
senior
researcher
at
the
victoria
law
foundation
in
town
and
I've
also
done
a
lot
of
research.
When
I
worked
at
rmit
looking
at
financial
capability
or
financial
literacy
and
young
people,
but
I
particularly
focused
on
their.
A
Yeah,
that's
really
interesting,
because
I
remember
I
talked
to
the
group
about
I
feel
like
as
young
people.
We
don't
get
much
information
about
how
we
have
a
good
relationship
with
money,
but
also
how
we
talk
about
that
in
a
relationship
both
family,
wise
and
in
romantic
relationships.
So
I
think
this
is
perfect
right,
yeah
all
right,
so
we
wanted
to
have
you
on
the
show
or
on
the
podcast,
because
we
thought
that
finance
money
was
something
that
young
people
talked
a
lot
about,
but
didn't
get
much
information
about.
A
So
we
thought
it'd
be
best
to
talk
to
someone
who
actually
works
in
the
field
and
can
give
us
information,
that's
evidence-based,
and
not
just
what
the
friend
is
saying
or
what
everyone
thinks
that
we
should
be
doing
so.
One
of
the
first
things
you
mentioned
before
when
we're
talking
was
that
financial
literacy
is
not
really
used
anymore.
That
terminology.
C
Okay,
so
financial
literacy
just
came
out
of,
I
suppose
back
in
the
old
days
and
look,
I
think
young
people
still
get
it
at
school
when
it's
about
knowledge
right
what
you
know
about
money,
but
it
was
also
about
knowledge
about.
Oh,
do
you
know
how
to
calculate
compound
interest?
Do
you
know
how
to
calculate
you
know
a
percentage
of
this
and
you
know:
are
you
going
to
earn
more
money
at
a
high
risk,
investment
or
a
low
risk
investment?
C
So
those
kind
of
things,
but
I
kind
of
look
at
it
a
bit
like
you
know,
learning
to
drive
a
car
right,
so
you
can
go
off
to
vic
roads,
get
your
learners
get
a
hundred
percent.
I
think
my
daughter
got
92
at
the
highest
mark
in
any
exam.
She
ever
did
in
her
life,
so
she
was
really
wrapped
with
that,
but
she
couldn't
drive
a
car
right.
C
So
she
knew
all
the
road
rules
knew
all
the
things
in
the
car
knew
what
you
needed
to
do,
but
you
still
couldn't
drive,
so
you
do
have
to
then
get
in
a
car
with
someone
who
knows
to
learn
those
skills
and
to
practice,
and
I
think,
learning
how
to
manage
your
money
and
how,
to
you
know,
progressive
those
money.
Life
things
is
a
bit
like
learning
how
to
drive
a
car.
So
in.
C
Everything
feels
really
strange.
None
of
it's
automatic
and
you've
got
to
have
someone
kind
of
beside
you
saying.
Oh
you've
got
to
do
this
and
you've
got
to
do
that
and
then
with
that
practice.
Obviously
you
learn,
and
you
know
once
you've
learned
how
to
driven
the
car
driving
cars
automatically,
so
you
didn't
even
think
about
it.
So
when
you
know
you
say
to
people,
oh
well,
what
do
you
do?
C
You
know
when
it
when
you
want
to
go
on
a
big
holiday
and
stuff
and
they
got
it.
I
just
saved
my
money
and
you're
like
okay,
save
you
money,
oh,
but
how
do
you
manage
these
other
things
and
wanting
to
go
out
and
saturday
night?
And
you
know
your
friends
want
to
do
this
or
you
want
to
buy
these
new
shoes.
B
C
For
some
people
it
becomes
automatic,
but
then
there's
this
other
issue
a
bit
like
the
car
right.
So
you
might
think
yeah.
I
want
to
learn
how
to
drive
a
manual
because
it's
like
really
cool
missing
to
do,
but
I
don't
know
if
you
saw
those
youtube
clips
of
that
guy
learning
to
drive
a
manual
with
his
parents
and
he
was
like
his
parents-
were
just
screaming
the
whole
time
and
he
was
like
the
worst
driver.
A
C
It
in
so
in
the
end
for
him
to
be
able
to
drive
it
wasn't
because
he
didn't
have
the
knowledge
or
didn't
have
the
skills.
He
didn't
actually
have
the
right
tools
so
put
him
in
an
automatic
car,
and
he
was
fine
right.
So
sometimes
you've
got
to
make
sure
as
well
that
you've
got
the
right
tools.
So
you
can
achieve
what
you
want
to
achieve.
Yeah.
A
C
A
C
Them
some
knowledge,
not
just
the
the
technical
knowledge
right,
but
the
practical
knowledge
and
the
different
ways
to
do
things
and
then
and
say
well.
These
are
the
skills
that
you
need
to
develop,
give
them
ways
to
practice
and
develop
those
skills.
And
then,
if
you're
able
to
do
those
things,
then
we
say:
oh
you're,
financially
capable.
C
C
B
Wanna
go
oh
yeah,
I
think.
For
me
it's
not
worrying
about
not
really
worrying
about
money.
I
think
you
know
being
a
migrant
mindset
we're
starting
from
scratch
from
zero.
So
money
is
a
big
thing
of
surviving
and
you
know
what
not
and
now
that
I'm
the
first
generation
and
passing
on
generations.
I
want
my
kids
and
my
future
kids
to
not
obviously
worry
about
money,
but
not
in
the
sense
like
oh
crap,
I
need
to
make
money
to
survive.
In
that
sense,
I
want
that
financial
freedom.
C
A
How
about
you,
I
would
think
it's
more
about
being
able
to
manage
financially
stressful
situations
like
having
the
capacity
to
do
that
goes
back
to
your
word,
just
because
I
feel
like.
Maybe
even
we
won't
be
ever
get
to
that
point
where
we
won't
ever
have
to
worry
about
money,
because
it's
not
unless
we
already
have
a
really
high
income
or
we
have
generation
intergenerational
wealth.
A
I
don't
know
if
we'll
ever
get
to
a
point
where
we
never
have
to
worry
about
money,
so
I
feel
like
maybe
it's
more
about
how
to
manage
when
things
don't
go
well,
yeah
and
that
might
require
experience
or
maybe
just
having
watched.
Maybe
our
parents
look
after
that
kind
of
things
or
just
having,
like
you,
said,
the
resources
to
do
that.
C
But
I
actually
think
that
people
listening
to
this
girl,
she
told
them
what
to
say,
because
what
you
actually
said
is
exactly
it.
So
in
the
research,
when
we've
looked
at
it
and
asked
people,
what
does
financial
well-being
mean
to
you?
They
say
several
things
not
to
worry
about
money.
So
that's
the
biggest
thing.
If
people
can
not
have
that
worry
or
that
stress
and
burden
about
you
know
when's
the
next
paycheck
going
to
go,
am
I
going
to
be
able
to
manage
with
those
bills?
Then
they
have
that
sense
of
well-being.
C
C
You
know
so
you
can
you
know
if
hard
things
come
your
way
you
can,
you
can
cope
with
the
you
know:
you're
gonna,
bounce
back
and
you're
gonna.
You
know
get
back
on
top
of
things
and
we
talk
about
the
same
thing
with
money
as
well.
So
if
you've
got
you
know,
savings
or
access
to
resources,
people,
family
and
other
things
that
you
know
then
well
if
something
terrible
happens
like
if
I
had
a
crash
with
my
car-
and
I
didn't
have
enough
insurance.
C
I've
got
that
money
in
the
bank
to
cover
me
for
that
I'll,
be
fine
right.
Well,
god
help
us
there's
a
pandemic
and
you
lose
your
job.
You
know,
you've
got
the
backup,
so
you
can
still
pay
your
rent
and
things
like
that,
and
then
the
other
thing
that
you
talked
about
is
having
the
skills
and
the
knowledge
and
the
know-how
about
how
to
manage
all
of
those
things.
But
another
concept
that
people
really
talk
about
is
just
feeling
being
comfortable
right.
So
people
never
talk
about.
I
want
to
be
really
wealthy.
C
I
want
to
have
all
these
things.
They
just
want
to
not
have
worry.
They
want
to
know
that
they
can
deal
with
any
emergencies
that
come
their
way
and
that
they
can
be
comfortable,
maybe
go
on
a
holiday
and
and
do
those
kinds
of
things
so
yeah.
So
that's
basically
it
so
talk
about
having
the
knowledge,
building
that
knowledge
to
develop
your
skills
and
capability
and
kind
of
be
an
expert
in
what
you're
doing
and
then,
hopefully,
all
of
that
leading
to
having
a
sense
of
you
know:
financial
well-being,.
B
Yeah,
I
might,
I
might
take
us
back
a
little
bit
and
I
think
you
talked
about
finding
what
type
of
car
you
want
to
drive.
Is
it
manual
auto?
How
are
you
going
to
get
the
driver's
license?
I
know
studying
in
school.
You
don't
really
get
taught
a
lot
about
financial
literacy.
It's,
I
think
you
cover
basic
things
such
as
compound
interest,
but
you
don't
really
get
to
learn
more
than
that.
So
I
wanted
to
ask
you
if
there's
someone
out
there
who
wants
to
get
involved,
wants
to
learn
about
financial
independence?
C
So
one
of
the
things
or
a
couple
of
things
that
when
we
spoke
to
young
people
about
how
do
they
learn
about
money
and
money
skills,
obviously
actually
their
family,
their
parents
are
people
that
they
look
to
to
get
that
kind
of
advice.
And,
of
course,
as
you
know,
with
your
parents,
they
model
a
lot
of
things
right.
So
hopefully
you're
getting
the
right
kind
of
messages
there
and
a
balance
of
messages
there
as
well,
and
then
the
other
obvious
sources
like
the
internet
right
and
there
is
a
independent
government
website
called
moneysmart.gov.org.
A
C
And
so
that's
got
a
whole
lot
of
tip
sheets.
It's
got
a
lot
of
whole
lot
of
calculators
working
your
budget.
It's
that
another
thing,
but
actually
really
what
we
find
is
most
helpful
for
people
of
all
ages
is
to
actually
do
financial
education
or
learning
about
stuff
when
you
need
to
right.
So
if
someone
said
like,
oh
look,
you
know
I
really
want
to
get
a
car.
Oh
you
want
to
get
a
car
okay.
Well,
these
are.
C
These
are
some
of
the
ways
that
you
can
work
towards,
buying
your
own
car
right
and
so
you're
motivated
because
it's
for
you
at
that
point
in
time.
But
then,
if
I
started
talking
to
you
about
like
oh-
but
you
know
really,
you
should
be
focusing
on
saving
up
for
your
house
you're,
just
thinking
something
for
a
house,
that's
for
when
I'm
old,
you
know
that's
not
for
now
right,
so
we
call
that,
like
just
in
time
education.
C
C
Oh,
I
don't
even
have
a
bank
account?
How
am
I
going
to
get
paid?
You
know
because
my
parents
just
gave
me
money
or
I
had
a
card
to
their
account
right.
So
these
are
all
those
opportunities
to
teach
and
to
learn,
and
so
okay
superannuation.
So
you
can
have
a
conversation
about
that.
So
there's
you
know.
There's
industry
funds
that
charge
less
fees.
There's
you
know
all
those
kinds
of
things
that
you
can
use
and
what
does
it
actually
mean
right,
how's
that
going
to
work
out
for
you?
C
Luckily,
now
you
have
to
get
it
right,
so
you're
kind
of
forced
to
save
and
force
to
invest
and
then
getting
a
bank
account?
Okay.
Well,
how
are
you
going
to
manage
your
bank
accounts?
How
you
going
to
manage
the
money
that
you
get?
What
are
you
going
to
do
with
the
you
know,
your
pay,
and
how
are
you
going
to
divide
that
up
to
you
know,
spend
or
save
or
save
for
other
things.
A
A
I
guess
my
question
is:
how
do
you
actually
have
that
conversation
with
someone
that
you
want
to
actually
learn
more
but
not
make
it
kind
of,
because
I
feel
like
if
I
ask
my
parents
about
it,
they
will
just
tell
me
what
they
do,
but
that
might
not
be
the
best
way.
So
maybe
is
it
professional
that
you
see
or
like?
What
can
you
do
to
get
objective
knowledge
about
things.
C
C
You
know
a
facilitator
who's
actually
going
to
make
it
relevant
for
you
right,
so
that
the
material
is
catered
to
your
life
and
your
situation,
and
you
may
have
heard
of
the
money-minded
programs.
So
there's
a
free
financial
education
program
right.
So
it's
available
across
all
of
australia
and
even
in
new
zealand
as
well
right,
and
so
you
can
go
and
you
can
learn
those
basics
about
what
your
goals
are.
C
What
your
values
are,
how
you
are
with
money,
what
your
priorities
are
and
how
to
manage
and
how
to
budget
your
bills
and
other
expenses
and
then
different
sorts
of
things,
ways
of
saving
money,
how
to
earn
more
money?
And
then
you
know
you
could
progress
to
other
kinds
of
you
know
more
detailed
topics
as
well.
C
B
C
By
the
government
and
it's
a
match
savings
program
right,
so
you
sign
up
for
it
and
you
say:
yeah,
I'm
going
to
save
money
and-
and
you
do
the
financial
education
component,
so
you
learn
all
those
things
and
you
save.
Basically,
you
need
to
save
12.50
a
week
over
10
months,
11
months,
so
you
save
500
and
then
at
the
end
of
that
that
will
match
what
you've
saved
exactly
so
to.
C
So
and
so
one
of
the
it's
not
really
a
catch,
but
one
of
the
things
with
that
program
is
that
you
know
it's
about.
Obviously
it's
about
teaching
you
to
save
right.
People
who
can
save
do
way
better
right
people
who
can
manage
their
money
and
save
for
the
things
that
they
want
do
way
better
than
people
who
want
to
use
like
buy
now
pay
later
type
schemes.
A
C
Satisfaction,
you
get
from
doing
it
yourself
like
that
right
and
so
what
we
found
that
people
often
join
this
program
go
yeah
yeah.
I
need
a
thousand
dollars
to
buy
an
ipad
for
school
or
you
know
I
want
to
get.
You
know,
tools
for
my
apprenticeship
and
I
just
want
the
money,
but
when
we
asked
people
in
the
program
like
what'd
you
get
out
of
it,
they
just
went
like
look.
I
was
to
be
honest.
I
was
just
in
there
for
that
bonus
money,
but
I
learned
so
much.
C
It's
actually
changed
my
life
and
I
can
now
do
this
and
in
particular
you
know
like
older
people
or
single
moms
or
single
dads.
Just
going
like
you
know,
I've
been
able
to
go
on
a
holiday
for
the
first
time
for
some
people,
it's
been
completely
transformative
like
any
income
level.
I
remember
speaking
to
this
one
woman
and
she
said
I
did
that
program
and
I
realized
how
much
money
I
wasted.
C
B
C
C
Your
joy
and
that's
like
your
time,
you
sit
down
with
your
friends,
you
have
a
chat.
You
buy
one
coffee,
you
know
you
might
not
get
the
you
know.
Maybe
you
don't
get
the
muffin
or
the
cake
or
the
whatever
you
get.
The
coffee,
that's
actually
worth
more
than
four
dollars,
but
maybe
there's
other
things
right.
So
it's
kind
of
constantly
trying
to
balance.
C
A
Nice
to
haves,
I
think
so
because
I
was
having
this
conversation
with
my
friends
and
so
they're
all
at
different
phases
in
terms
of
saving-
and
we
were
discussing
about
you
know
you
know
laura.
She
was
saying
27.40
a
day
can
lead
to
about
10
grand
a
year,
we're
just
talking
about
those
kind
of
things,
and
then
I
was
just
thinking,
but
we're
still
like
young
and
what's
the
point
of
always
every
time,
not
every
time
we
catch
up,
but
always
having
this.
C
Couple
of
things
that
you
picked
on
there
is
like
you,
hate
thinking
about
money
and
you
hate
just
constantly
being
feeling
like
you're
being
controlled
by
this
need
to
worry
about
your
future
and
saving
and
not
spending
and
someone's
going
you're
wasting
your
body.
You
know:
have
you
like
this
little
voice
going?
Why
are
you
doing
that?
But
so
this
is
a
little
bit
about
the
car
right,
automatic
or
manual
right.
So
you
probably
heard
about
scott
pape,
the
barefoot
investor
yeah,
probably
not
because
I.
C
C
Yeah,
okay,
so
it
doesn't
matter
how
much
money
you
have
yeah.
You
can
always
work
towards
your
goals,
right,
whatever
your
goals
may
be,
and
I
think
what's
really
important
is
to
make
those
goals
relevant
and
important
to
you
right.
So,
if
you,
you
know
saving
up
for
a
house
or
a
unit
or
whatever
it
might
it's
not
like
that's
for
later.
C
That's,
okay
right,
but
have
a
goal,
have
something
you
can
achieve
and
work
towards,
because
what
you're
doing
by
doing
that
is
developing
those
really
important
skills
right
and
setting
your
systems
up
to
be
able
to
do
that,
because
you
yeah,
of
course,
you're
not
going
to
be
able
to
earn
enough
income
now
to
see
that
kind
of
you
know
think
about
10
years
time.
That's
too
long
in
the
future!
I
don't
even.
B
C
To
think
about
10
years
time,
so
it's
like
starting
with
small
steps,
it's
never
too
late
to
start
and
and
just
start
small
right.
So
it's
interesting
with
those
accounts
that
he
sets
up,
and
this
is
about
having
it
like
automatic,
so
you
think
you're
going
out
and
you
don't
want
to
think
should
be
doing.
This
should
be
doing
that.
I
can't
do
that.
Who
can
do
all
that
maths
all
the
time
in
their
heads
about?
Oh,
I
budgeted
this
week
10
for
coffees.
C
C
It
right
so
you
just
I
mean
you
do
have
to
do
the
boring
stuff
and
sit
down
and
go
okay.
What's
my
income,
what
are
the
bills?
I
have
to
pay
right,
so
it
might
be
a
region
for
your
car
or
you
know
you
spend
20
bucks
a
week
on
petrol
right.
So
you
have
your
mikey
card
stuff.
You
have
to
pay
to
be
able
to
do
the
things
right.
Okay,
so
what
bit
now
can
I
save?
C
So
often
it
took
about
10
and
that's
it
you
just
that
goes
off
you
get
paid.
That
goes
off
straight
away
into
an
account.
That's
not
connected
to
your
card
and
just
sits
there
right.
So
that
might
be
your
your
house,
your
car,
your
big
thing
that
you
just
think
I'm
never
going
to
be
able
to
save
for
that,
and
then
you
know
and
set
aside
like
what
he
talks
about
in
there.
Your
pot
of
money,
you're
spending,
money
yeah
right.
C
So
what
you
think
is
going
to
work
for
a
week
or
two
weeks
and
just
have
that
you
spend
it
on
whatever
you
want
right.
You
don't
have
to
go
like.
Oh,
you
buy
a
hundred
dollars
worth
of
coffees
or
you
go.
No.
I'm
not
gonna
have
coffees.
I'm
actually
going
to
save
up
my
money
this
week,
because
I
know
I'm
going
into
dinner
with
my
friends
on
the
weekend
or
I'm
actually
going
to
accumulate
that,
because
I
want
to
get
new,
you
know
new
jacket
or
something
or
whatever
it
might
be.
C
So
it's
not
harming
that.
So
I
think
it's
important
right,
so
you
gotta
you
gotta,
spend
you're.
Gonna,
have
fun
you're
gonna
enjoy
life
right.
Otherwise,
what's
the
point
of
living
yeah
right,
and
so
you
need
to
have
your
little
bucket
of
money.
For
that
you
need
to
have
your
little
bucket
of
money
where
you
go
like.
C
I
really
want
those
shoes.
It's
going
to
take
me
a
while
to
save
up
so
short-term
goals.
Right
have
a
little
another
on
your
app
for
your
bank.
You
can
make
as
many
accounts
as
you
like.
You
can
set
up
an
account
for
each
goal
and
call
it
that
right.
So
you
know
if
you're
shifting
money
out
of
it,
you
go
I'm
taking
money
away
from
you
know
my
car
to
buy
a
coffee
right.
B
C
You're
less
likely
to
do
that
and
then
have
you
know
a
separate
account
for
those
long
term
things
and
if
you
do
get
a
job
and
you
have
to
get
super,
then
that's
a
good
time
to
start
thinking
about.
Well.
How
does
that
all
work?
And
if
I
add
more
to
my
super
now
how's
that
going
to
work
out
in
the
future,
it's
going
to
work
out
in
the
future
super
great,
because
it's
it's
going
to
be
building
and
growing
yeah.
A
B
B
Different
everyone's
got
different
budgets.
Everyone's
got
different
spending
limits.
I
think,
having
that
system
in
place
is
important,
as
you
said,
figuring
out
what
works
for
you
I
mean
I
want
to.
I
guess,
throw
a
question
to
you
is
imagine
you're,
I
don't
know
18
17
you're
in
your
first
year
of
uni,
you
travel
with
public
transport
and
you
work
a
retail
job
earning.
I
don't
know
16
18
an
hour.
So
how
do
you?
How
would
you
recommend
they
should
budget
their
money
or
manage
their
the
income.
C
Well,
I
think
you
kind
of
answered
that
in
what
you
said
before,
that
was,
like
everyone
finds
their
own
way
right,
but
I
really
have
a
preference
for
it
like
being
automatic
right,
so
I
don't
have
to
think
about
it.
And-
and
it's
really-
you
can't
say
well,
you
must
save
100
a
week
because
it's
going
to
be
in
proportion
to
what
you're
earning
right
and
then
what
your
goals
are.
So
it
might
be
like
yeah.
C
So
you
might
have
to
readjust
those
goals
based
on
your
income.
You
know-
and
I
always
think
it's
really
important
to
have
that.
I
was
thinking
about
it
on
the
way
here
actually
about
you
know,
because
often
you
want
to
move
out
of
home
right
and
but
to
do
that.
Well,
you
need
to
have
a
bit
of
a
bucket
of
money
behind
you,
like
your
rainy
day
pot
of
money,
and
so
when
you're
living
at
home,
it's
a
good
time
to
try
and
see.
C
Can
I
afford
it
and
pretend
you're
paying
those
bills
pretend
you're
paying
the
rent
and
putting
that
all
in
that
rainy
day
thing
right,
see
if
you
can
do
that
for
three
months,
see
what
it
feels
like,
but
then,
if
it
feels
okay,
you've
actually
got
that
bucket
of
money
there
to
back
you
up.
If
you
lost
your
retail
job,
if
you
didn't
get
as
many
shifts,
you've
still
got
that
backup
money
to
be
able
to
cover
yourself.
You
have
to
pay
your
rent
and
things
like
that.
A
Yeah,
so
speaking
about
emergency
funds,
so
in
terms
of
in
relationships
so
young
adult
relationships,
it
doesn't
really
matter
the
age,
but
in
terms
of
having
conversations
with
your
partner
about
saving
and
also
in
terms
of
if
you
want
something
for
yourself
in
case,
something
does
happen
that
isn't
going
to
affect.
If
the
relationship
did
end,
you
won't
lose
that
money.
How
do
you
have
those
conversations,
and
also
is
it
something
that
you
shouldn't
tell
the
person
that
you're
doing
like
that?
You
have
this
money
behind.
C
B
C
So
how
do
you
budget
your
money?
Yeah,
you
get
a
savings,
account
you're,
putting
extra
in
your
super
you're,
just
gonna
get
like.
No,
so
look
it's
what's
what
I
found
was
really
important
look.
This
is
the
thing
that
young
people
struggle
with
right,
so
you're
constantly
told
you've
got
to
be
financially
independent,
you're
going
to
be
able
to
do
this
and
do
that
and
go
to
uni
get
a
good
job.
C
Get
your
car
and
you
know
all
these
kinds
of
things
and
then
you
meet
someone
right
and
a
thing
happens
to
people
and
there's
actually
a
technical
term
for
that
and
it's
called
limerence
right.
So
it's
like
your
rational
brain
gets
thrown
out
the
window
and
you
only
have
eyes
for
that
person.
Everything
they
say
is
fantastic.
I
don't
know
if
you've
ever
experienced
it,
everything
they
say
is
fantastic.
C
They're,
amazing
they've
just
spent
three
hundred
dollars
on
your
pair
of
shoes.
You
go
oh
wow,
they're
beautiful,
it's
worth
it
right.
So
that's
you
know
and
then
like.
If,
if
our
bodies
didn't
do
this
kind
of
thing,
it's
actually
a
hormone
that
runs
through
your
your
brain
right.
It's
called
oxytocin
right.
It
just
really
narrows
your
vision
onto
that
person.
C
But
often
what
happens
in
that
phase
is
that
you
feel
this
intense
connection
and
this
bonding
and
this
trust,
but
you
still
haven't,
worked
out
the
financial
trust
right,
so
you
want
to
be
able
to
emotionally
trust
somebody
right
with
your
heart
and
your
emotions,
and
things
like
that
and
that
they'll
be
faithful
to
you
and
things,
but
then
separate
to
that.
But
connected
to
all
of
that
is
the
kind
of
financial
trust,
and
I
think
what
I
found
with
young
people.
Is
they
often
confuse
the
two
right,
so
I
love
him.
I
love
her.
C
You
know
I'm
just
helping
him
out.
If
I
was
in
the
same
situation,
surely
they
would
help
me
out
right
without
really
knowing
the
lay
of
the
land
with
that
person,
so
I
think
you
find
out
pretty
quickly
where
people
are
at
with
their
money
right
first
date.
Who
pays?
Are
you
going
to
do
that?
How
are
you
going
to
have
that
conversation,
and
then
you
have
continual
conversations
like
that.
So
what
if
someone
earns
more
than
you
and
they
want
to
go
on
a
really
fancy
holiday,
but
you
can't
afford
that
right.
C
You
pay
for
it
yeah
back
later.
You
know,
so
it's
a
real,
so
you
do
have
to
have
those
conversations
and
you
do
have
to
find
out
because,
especially
for
young
people,
when
you're
just
trying
to
negotiate
those
relationships
in
your
life-
and
you
haven't
got
that
experience
with
relationships
of
how
that
all
works
out.
C
Right,
so
how
much
do
you
tell
about
yourself
to
the
other
person
in
terms
of
your
financial
situation?
I
guess
for
everybody
that's
different
and
when
you're
young
and
you're
in
these
early
relationships,
you
know
it's
not
unreasonable
to
keep
stuff
to
yourself
right
to
that's
your
private
business.
That's
got
nothing
to
do
with
your
relationship
and
if
you
do
tell
someone
about
that,
that
you've
got
this
emergency
fund
and
then
they're
just
saying:
oh
well,
just
take
it
out
of
your
emergency
fund.
You
know.
C
A
B
C
A
C
C
You
know
she
had
to
beg
for
her
money
at
the
end
of
the
week
to
go
shopping
and
he
would
complain
and
give
her
less
and
all
this
kind
of
stuff.
There's
only
later,
I
thought
like
hang
on:
that's
not
just
how
they
did
it.
That's
really
bad
right.
I
thought,
but
it
kind
of
makes
sense,
older
generation
from
the
home
country,
that's
kind
of
how
they
did
things,
but
then
there
were
like
people,
my
age
who
educated
you
know
master's
degrees
and
they
were
being
completely
financially
controlled
by
their
husbands.
C
Yeah
thought
what
the
hell
like
come
on.
You
know
we
all
went
to
uni,
we
all
had
feminism
and
all
that
kind
of
stuff
what's
going
on,
and
then
I
was
at
dinner
and
my
friend's
daughter
is
my
goddaughter,
so
she
was
20
started
telling
me
about
how
she
was
paying
off
her
boyfriend's
debts
like
three
grand
and
he
wasn't
working.
He
was
just
djing
and
she
was
working
two
jobs
and
studying.
C
I
just
turned
her
and
I
said:
that's
not
fair
yeah,
you
know,
so
I
think
that
I
think
young
people
have
a
real
strong
sense
of
what's
fair.
You
know
and
what's
right-
and
I
think
just
saying
to
someone
that
doesn't
sound
fair.
You
know-
and
I
think,
when
you
start
feeling
like
this,
isn't
fair.
This
isn't
quite
right,
something's
something's
going
on
wrong
there
and
what
was
really
sad.
C
I
suppose
with
all
the
young
people
that
I
spoke
about
in
their
relationships,
and
this
kind
of
thing
was
that
they
basically
came
to
the
realization
that
their
partners
were
just
in
it
there
for
their
money
yeah
and
she
goes.
I
just
never
thought
that
you
know
once
I
turned
the
tap
off
or
even
with
the
young
guy
once
I
turned
the
tap
off
and
said:
no,
I'm
not
buying
you
that
anymore.
They
left
you
know
so
is
that
that
is
that
a
relationship?
No
it's
not
yeah!
C
You
know
yeah
yeah,
so
that,
but
this
is
this
is
the
the
tricky
thing
with,
like
you
know,
financial
abuse
and
that
financial
exploitation
and
controlling
people
right,
because
you
have
all
those
other
forms
of
abuse
like
physical
abuse,
sexual
abuse.
You
know
the
sexting
stuff
now,
stalking,
everyone
understands
what
the
limits
are
with
those:
what's
not
okay
and
what's
well,
none
of
it's
ever
okay
right,
but
with
money,
it's
just
really
grey
yeah
right.
So
it's
not
a
physical
thing,
there's
a
lot
of
emotional
stuff
in
there.
B
C
So
I
think
that's
not
a
problem
right,
but
if
it's
a
pattern,
so
that's
the
thing
with
all
of
these
kind
of
behaviors.
If
it's
a
pattern,
if
it's
again
again,
you've
blown
all
your
money
and
you
haven't-
got
money
for
rent
right.
So
if
you're
in
a
share
house
with
friends
and
one
of
your
friends
had
no
money
for
rent
they'd
have
to
move
out,
but
that's
not
so
easy
with
a
partner
or
your
boyfriend
or
your
girlfriend.
You
know.
B
I
had
a
question,
I
think
we're
gonna.
We
talked
a
little
bit
about
savings
and
managing
your
income.
I
want
to
talk
about
investing
and
I
think
young
people
nowadays,
it's
very
easy
for
them
to
invest
these
apps.
Where
you
can
invest
in
stocks,
you
can
invest
in
crypto.
So
I
want
to,
I
guess,
get
your
opinion.
C
Now
I
can't
give
financial
advice.
I
have
to
say
that
and
look
investing
is
the
same
kind
of
thing
of
any
of
those
other
financial
decisions
that
you
make.
You
need
to
be
informed.
You
need
to
make
sure
that
you're
not
getting
sucked
into
something.
That's
actually
just
going
to
rip
you
off
at
the
end.
Like
are
you
yeah?
C
C
You
can
fiddle
around
with
your
investment
mix
and
the
china
companies
that
you
want
to
that.
You
want
your
super
fund
to
invest
in
for
you
and
the
risk
level,
so
yeah.
So
with
things
that
tout
high
returns,
they're
going
to
come
with
high
risk,
high
risk
means
you
might
not
get
those
returns
right.
You
might
lose
a
lot
more
money.
So
more
conservative
things
you
go,
you
know,
you'll
get
less
returns,
but
it's
unlikely
to
you
know,
fall
in
a
heap
or
you're
unlikely
to
lose
a
whole
lot
of
money.
C
So
all
those
things
with
everything
you
have
to
go
in
there
with
your
eyes,
open
and
fully
understand.
What's
going
on,
so
there
are
also
other
apps,
like
you
know,
there's
there's,
obviously
the
buy
now
pay
later
kind
of
apps,
but
now
there's
also
a
thing
where
you
can
access
your
pay
before
you
get
paid
kind
of
apps
and
systems
which
is
basically
just
like
a
payday
loan
credit
card
type
thing
right,
so
there
are
other
sorts
of
traps
that
you
can
fall
into
as
well.
C
C
But
you
need
to
fully
inform
yourself
about
what
you're
doing
and
how
you're
going
to
do
that,
because
there's
different
levels
of
investing
that
you
can
do
where
you're
more
flying
solo
and
buying
things
of
particular
companies,
but
you
they
need
to
read
all
the
stuff
about
those
companies
or
you
buy
into
managed
funds
and
other
investment
companies
that
basically
do
that.
Investing
for
you,
so
moneysmart
website
has
a
lot
of
information
about
that.
C
I
just
think
there's
like
you've
mentioned
the
issue
that
you
don't
get
taught
about
these
things
at
school,
just
the
practical
day-to-day
stuff,
but
you
also
don't
get
talked
taught
about
how
to
manage
it
now
in
in
a
relationship
right,
because
you
know
you
don't
want
to
be
the
mr
or
mr
scrooge
in
there
either.
You
want
to
have
fun
together,
but
how
do
you
balance?
That
being
you
know,
interdependent
and
still
be
independent,
still
achieving
your
own
goals,
yeah.
A
A
B
C
C
You
what
they
did
and
then
you
can
just
add
well
how
did
that
work
out?
What
was
the
good
thing
about?
That
was
a
bad
thing
about
that.
You
know
other
people
and
it's
about
learning
and
it's
about
practicing
as
well
like
learning
those
skills
and
practicing
that
and
achieving
some
goals
quickly,
like
even
you
know,
small
goals
and
then
achieving
those
bigger
goals,
and
then,
I
would
just
say,
be
wary
of
debt
and
those
kind
of
yeah,
because
young
people
are
so
bombarded
with
marketing
at
every
level.
C
A
Okay,
so
just
before
we
wrap
up,
I
just
wanted
to
ask
you
some
advice
in
terms
of
with
relationships
when
one
person
wants
to
spend
more
and
be
extravagant
when
they
go
out
together
and
the
other
person
perhaps
feels
like
they
need
to
hold
back,
because
they
have
a
goal
of,
for
example,
moving
in
together
or
something.
And
how
do
you
have
that
conversation
when
you
feel
like
it's
affecting
the
long-term
goal
and
then
the
other
person's
eyes?
A
C
I
think
that's
a
really
good
question.
I
think
that's
something
that
young
people
grapple
with
a
lot,
because
people
have
a
different
style.
I
suppose
attitude
towards
money
right.
So
what
you're
describing
there
is
kind
of
like
that,
classic
someone
who
wants
to
save
and
work
towards
their
long-term
goals
and
someone
that
wants
to
splurge
on
their
partner
to
show
that
they
love
them
and
all
those
kinds
of
things
right,
so
that
in
of
itself,
is
not
a
bad
thing
right.
C
So
it's
not
such
about
like
what
you're
doing
is
bad.
Like
are
you
spending
this
money
on
me
because
you
love
me.
So
much
is
bad,
but
it's
about
like
I'm
really
concerned
that
you're
spending
all
this
money
on
me,
but
I'm
really,
you
know
kind
of
thinking
about
our
long-term
goal
and
then
just
bringing
it
back
to
your
long-term
vision
and
where
you
want
to
go
with
that
relationship
and
then
you
know
it
might
actually
be
making
suggestions
about
other
things.
To
do
that.
Don't
involve
a
whole
lot
of
money.
You.
A
C
Always
asking
google
stuff,
but
you
know
so,
but
it's
always,
and
it
is
awkward
to
ask
those
kind
of
things
you
don't
want
to
hurt
their
feelings.
You
know
just
like.
Oh,
but
I
love
you.
Yes,
you
know
this
is
what
I
want
to
do
and
but
they're
also
like
there's
also
that
pressure
from
other
people-
and
I
think
you
mentioned
it
before
as
well.
Like
the
you
know,
media
and
yeah.
A
C
Media
and
stuff,
like
that,
look
what
we're
doing
looking
what
you
know,
look
what
we're
eating
yeah!
You
know!
So
it's,
but
it's
just
bringing
it
back
to
what
are
your
goals?
You
know
what
what's
your
destination
right
and
if
you
keep
doing
those
things,
you're
not
going
to
get
there
in
the
end,
so
it's
a
bit
like
hiking.
I
did
a
long
hike
on
the
weekend
and,
yes,
you
have
to
enjoy
yourself
along
the
way.
B
C
C
C
But
it
depends
on
the
nature
of
that.
You
know
how
you're
living
together.
So
if
you
basically
kind
of
lived
together
but
lived
separately,
so
you
weren't
officially
like
de
facto
so
imagine
if
you're,
officially
de
facto
you're
not
going
to
get
centrelink
right.
If
one
person's
unemployed,
most
people,
young
people-
don't
you
know
they
kind
of
live
quite
financially
separate,
even
if
they're
living
together.
So
there's
less
issue
of
a
claim.
C
If
you're
not
living
together,
you
don't
see
what
they're
doing
right.
You've
got
your
money,
you
go
out,
you
split
the
bill,
you
take
turns,
or
god
doesn't
matter,
don't
worry,
but
as
soon
as
you
move
in
together,
you've
got
bills,
you've
got
rent,
you've,
got
legal
responsibilities
right
and
and
that's
when
it
makes
it
much
and
then
it's
like
you
know
out
in
the
open.
Oh
my
god,
you
know
they're
blowing
all
their
money
before
the
rent
is
due.
They've
never
got
their
money
for
rent.
A
C
Yeah,
it's
really
interesting
because
one
of
the
things
that
one
of
the
phenomena
that
we've
observed
this
whole
thing
of
sliding
it's
called
sliding
into
cohabitation
right
so
before
you
know
it
you're
living
together,
yeah
right!
So
it's
not
like
this.
Like
oh
we're
going
to,
we
should
move
in
together.
We
should
find
a
house
and
oh
how
much
do
you
earn?
What
could
be
your
budget?
You
know
blah
blah,
blah
and,
and
a
lot
of
the
stories
are
about
before
you
knew
it.
He
was
there
all
the
time
yeah
we.
C
Together
or
I
moved
in
with
him
and
we
were
living
together
so
you're
actually
not
going
in
there,
making
all
these
rational
decisions
but
yeah.
Definitely
you
need
to
make
all
those
kinds
of
decisions
figure
out
what's
going
on
and
then
I
would
just
say
like
okay.
Well,
we
want
to
move
in
together.
That's
great!
C
Let's
do
this
we're
both
living
at
home.
You
know
parents
or
whoever.
Let's
pretend
that
for
three
months
we're
actually
we've
moved
in.
We
know
how
much
rent
we
want
to
pay.
We
work
out.
We
can
find
out
from
our
friends
or
whatever
how
much
they
pay
for
electricity,
gas
and
all
this,
how
much
they
spend
on
food,
and,
let's
just
save
that
yeah
right,
so
I'll
do
half
you
do
half
you
save
it
into
your
account
I'll
save
it
into
my
account.
C
Let's
see
how
we
go
right,
so
if
you
figure
out
after
three
months,
you
can't
do
it
yeah,
you
know.
Maybe
it's
not
such
a
good
thing,
and
if
you
can
do
it,
you
go
yeah.
This
worked
out
really
well
and
you're.
Having
all
these
conversations
along
the
way,
you
know
they
might
be
saying
like
oh
no,
I
needed
to
buy
this
or
I
need
to
buy
that.
Then
you
know
I
haven't
put
my
money
aside
this
week,
you
go
like
come
on
how's.
C
C
I
think
that's
really
good
and
then,
since
they
break
up
the
end,
because
yeah
I
mean
you
know
it's
the
same
kind
of
thing
like
you
have
to
it's
like
you
know
if,
as
an
adult,
when
you
get
a
mortgage
for
a
house
right,
the
bank's
gonna
say
well,
can
you
actually
pay
it?
You
know,
what
are
you
spending
your
money
on
and
and
a
good
way
to
test
yourself
if
you
can
pay,
for
it
is
to
just
put
away
that
money
as
if
you
were
paying
for
it
yeah.
You
know.