Season 1 Episode 7: The impact of our money stories and our values
IN THIS EPISODE
Deep dive into understanding more about what forms your behaviours, thoughts, actions, and relationship with money in this episode all about money stories. Mel and Darlene share their own personal money stories and what factors helped shape their views of, use of, and plans with money in their life. They discuss personal values, beliefs, and the real importance of having your own vision and purpose in life to guide your spending. They also touch on debt consolidation, and the key things to be considered before taking action.
RESOURCES IN THIS EPISODE
Get to know your number with our handy Spending Review template in our website resources: https://www.themoneycollective.com.au/resources
KEY QUESTION IN THIS EPISODE
Should I consolidate my debts?
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0:00
Welcome to the Money Collective Podcast. We're here to uplift your financial wellbeing. Your hosts are me, Mel Pearce and Darlene Neu. We are the cofounders of The Money Collective and together we have over 50 years of finance and banking experience. We provide the tools, information and guidance to better understand your money and feel confident making money decisions.
0:22
How you doing? Welcome back to episode seven. Yes, of our Financial wellbeing podcast. That's right. I'm Mel. This is Darlene. I am. And yeah, we care about financial wellbeing and money and really, life. Not money.
0:40
I care about money. Yeah, well actually that is a question. We could do a whole podcast on it, you know? Do we do we actually care about money? I care about money. Yeah. Yeah. It's really interesting, isn't it though? Because when I say that, I just think about all the things I wanna do in my life. I think about if we just think about experiences, great. Exactly. I care about that. Cause it's what? But why should we be ashamed of saying we care about money? It's a good, good, good question. Cause I think if we put that out to the audience
1:09
and to everybody and please, if you're listening, you know, let us know. Do you care about money? Yeah. And just yes or no, do you care? I reckon it would be a profounding yes. And if I'm truly honest, yes. Because it's what choice it gives me in my life. Yeah. And we know that it's important because we've dedicated our lives to helping people with it. We talk about it, education. I think it's obvious our answer.
1:37
It doesn't come from materialism point of view. Maybe that's why I hesitate. It is a little bit. We are. Because while our truth this morning is all about makeup, and that's pretty materialistic and superficial. Yeah. So yeah, we're gonna talk about a truth today. And Mel and I both have teenage daughters. We do. So we talk about this actually a lot. My lovely daughter Tilly. Hi. Tilly is 14. Yeah. And Lily
2:08
is 12 going on 13. Yeah. And they care a lot about makeup. Yes, they do. And they're very good at it. Much better than me. Yeah. Yeah,
2:18
I'm going out tonight. So Tilly gave me a demonstration, like I said, and
2:24
yeah, she's so much better. And then I'd been using this mineral powder on my face and she said bring your makeup over. And she said, do not use this. I've been using it everyday. I don't, I've been looking crap. And she said, yeah, just put that one away. Yeah, I don't need to do that. But she knows how it all works. And she's got her little kit. So Tilly's bedroom is set up around a makeup desk that she calls her vanity.
2:53
I love that word. Do you? Your vanity. Old fashioned. Very old fashioned does. Lily talks about a vanity as well. She has a vanity as well, Loves the vanity. It is for your vanity. And she needs good light and it's all set up. So this is not a work, she doesn't have a desk for homework.
3:10
Same deal. It was supposed to be work. No, no, I've given up. I, I even bought this one for the sole purpose of housing her makeup. And she's got, like, little stations of brushes and things, compartments and containers. Yeah. And we've got a little fridge with a mirror on the front with lights. So this ranks very high on the priority of life and making sure there's enough time before school to get ready and any other time that she needs to leave the house. Yeah. Which is terrible. Yeah. Anyway, I should say it's terrible. Is it terrible? It is what it is. It is. It is.
3:40
And how does this link to money we might ask? Well makeups expensive. Oht My gosh, I wish I owned a Mecca store! Mecca and Sephora are my daughters favourite places on earth and she could waste hours and hours. Oh, so you say the words Mecca, and I've like, never set foot in one and it makes me shudder. Like inside.
4:02
Oh my gosh, it's I have. We've had like excursions, like my Lily’s had friends over and they say let's go to pop down and go to Mecca. And that's their afternoon excursion. They don't buy anything. They just go and try everything and come out of there on saying that, managing, you know, teenage daughters and makeup and even, you know what happens to us. So we are doing this podcast and you know Lily's been at me and said Oh no
4:32
make up it's not good. It's terrible because I haven't really cared about makeup. I've probably never spent very much money on makeup. I've never learned how to do it. I really wanna be real and vulnerable. Not high on our value on what we look like. But when you've got teenage daughters saying that it does become higher on our value. This is a video podcast by the way for anyone listening in who wants to see what we look like. You're more than welcome to watch the video cast of this. That's right. It's very
5:03
true, coming back to our truth and money. So my daughter Lily's been on me for weeks and weeks and weeks about doing something about my makeup. So last weekend I folded and we went down to Mecca
5:23
and they have people in Mecca. Who do you, you know your face. How many layers of stuff can you put on your face? I've been saying. How many Darlene, do you now put on your face? My gosh, it's like 8 could I guess. Is there 8 layers? Ohhh, it was 123456. Yes it is 8. How did you know that? Anyway, Yes. Anyway, my daughter probably has the same routine. I know it's foundation and layers of
5:54
or is the toning and moisturising and the priming and the setting, the setting. I didn't know that was a thing until the anyway. So anyway, so we did all this stuff. But I spent $500. Had that make you feel, young lady. Not good. So I've been anyway. I'm still scarred. Obviously that's more money than I've ever spent in my life. Probably on makeup. Like combined?. I think that's a stretch right? But I'm not. Never.
6:25
I just bought from the supermarket. You know I'm not you know I've never spent a lot of money. You are looking good. I have to say I can totally see you stepped up the game. You can tell when Lily doesn't know I do it. I did do it today. It was a bit rush so probably not great. But yeah. When Lily does it, you know, people say look you make up looks good. This is so deep because like, I do look at you and I go, ohhhhh, right. I need to step up my game. Like, I can tell that that's looking really good. Like it looks natural. Glossy glowy dewy looking lovely!
6:55
like in that way you can go ohhhhh that's yeah. Well I actually have the jealousy pangs like it's that you know how we look at other people and we go compare I want what she's having. Yeah and so that's in the last episode we talked about values and like is that my value? This is not either of our highest values. Not how easy is it to go down at a train line and not get off? well I think. I think it's A and when you commit to something it's almost like maintaining a standard and make up an example of that definitely. And
7:26
they've been you know
7:29
because we now doing this work and you know the podcast and we're gonna be famous and our profile everywhere. That's right. And we're going into corporate organisations. We're doing a lot of digital online work and you look at yourself you know when you're doing these things and
7:46
and again, society is very judgmental. You know everybody judges you know but so then come back to that we're more judgmental on ourselves totally. Totally. And then what do we want to teach our daughters anyway and we talk about this and this isn’t Money but it is who we are and you know if we look deep and the you know the message you know to the audience is really think about where those that money goes and where you value it or not and definitely no science or perfection. Do you regret the spend?
8:16
quick question cause I actually I don't think I do regret it! If so time will tell us, if it lasts. So Lily assures me it'll last me for a long time and I'm saying it better in my head a long time is at least a year OK. If that make up were you know if I've gone through it all I have to go back with won't be happy. So if it's a year's worth and you know, I've still don't like how long I do it really fast while she does, It
8:46
takes too long. I don't want to spend that time doing it. But All in all, you know, feedback's been good. I'm gonna be reborn a man. That's all I'm saying. Yeah. Yeah. Because yeah, that wouldn't rate it would they. Yeah. Or some. Some guys might. Yeah, so guys are actually. I do love the old Harry Styles trend coming out where men can be more feminine. I find its the sexiest thing going around. I love that. Yeah, I love that too. Yeah. So
9:17
yeah, but I, I look, you know our daughters and where they get the money cause this is where Lily wants to send the money. You know all the time. So you know do you give your kids or your daughters you know allowances to this cause the make up, they're not cheap. No. So I give Tilly $20 a week for things. The primary purpose was so that she could eat lunch at work. You know, she doesn’t go to work,
9:40
at school, and not be hungry. Yeah. Anyway, and apparently this is a whole other thing. She’s rather be hungry and look good. I bet. Apparently there's another girl getting $40 a week. So I'm like totally being povo and being compared to another. It's inflation. It's so like the 20 bucks needs to get her through food and makeup. Anyway, she's surviving. Oh my gosh. So actually, I do have a little bit to add to my Mecca story in that because I spent so much money,
10:11
very clever marketing people, and you level up, it's not even, it's not even called levels. You level up. So like literally they term “level up” so you can get to, I don't know how many levels, so I'm not even gonna guess. I'm gonna say 9 or 10, but I really don't know, There's lots of levels. So Lily moved, she levelled up from Level 1 to Level 2 because I, you know, I spent the money, I put it on her, you know, card or whatever. Yeah. So she got points or, you know,
10:41
so anyway, she levelled up. So she got an email from them to say you get a free,
10:47
you know, box of goodies. You can either go into the store and collect them or you can buy something online and they'll be delivered. So went into pick it up because I said it's not free. So having the conversation with her about it actually not being free, that's being and that that has got a lot of leverage you know around my dinner table, you know my son, my husband, even with other people came on the weekend everyone was talking about and trying to explain to her,
11:20
Can we all just see ugly? Not free, free, but when into the store, out of stock immediately, right. So then she come home should I really need. I need the gift, you know, and it's a surprise gift. You don't even know what's in it.
11:37
And I said, well, I'm not paying to buy something online. You're gonna have to use your money in your savings to do that. So and if you spend $25, you don't pay for shipping.
11:51
So she found something. It was 20 and it was $24.00. So she was a dollar short
11:58
and it still I said you have to find the cheapest thing and add to it or some face mask or something. Yeah. So it's a couple of dollars to get over that to get the free. She gave me the cash and then you know we've made the order. I am just like my brain is going around. It's like I am in some sort of like water turbine. Yeah. Tunnel whirlwind. Yeah. It does raise blown. I don't. I'm not. I'm not going to Mecca now I was like gonna go in. I was like jealous of your face and now I'm not
12:28
doing it. Don't, don't go somewhere else. I'm sure there's plenty of organic, healthy things you put on your face. So. But what I would say is that I'll make a note for a future topic that we do because those marketing activities, you know, thinking about, you know all of you out there that might be online shoppers and you know, are you enticed, you know, to buy those things and are they a value or are you buying things you don't need just to get? This makes me think of what we talked about in the last episode again and again. Your vision is, so
12:59
be clear on your vision. If you don't have a very clear vision, goals, purpose for your own life, then all that marketing, they're gonna swoop in and your life is gonna be swept away. Yeah, it is. Yeah,
13:14
because everyone else is doing it and when we look left and right we're not running. We're not running our own race anymore, and it's really hard to stay in your own lane and be proud of who you are. It really is. And we get challenged I think all the time and it's the same thing about this makeup that we're just talking. I think if we weren't you know, doing the podcast and you know events and speaking and stuff like that. I don't think I would have gone there. But because and because our girls and their, you know, our kids are on social media all the time.
13:45
They really care about this stuff. They do. Whether it's a trend or it's more than a trend. I'm not sure. But it's huge. Yeah. Yeah. Anyway, ponder all that. I'd love to hear your comments and you wonder days. We can just be an old man. Once again I stand up and we could do public speaking in a podcast without makeup on Darlene. OK. I don't know what we talked about this before but Mel loves Taylor Swift. So I do love Tay. Tay. Yeah. What's this song? Which one? I'm a man. The man. Yeah,
14:17
“and that would be OK for me to do. Every conquest I had made would make me more of a boss to you. I'd be a fearless leader. I'd be an alpha type when everyone believes you. What's that like? I'm so sick of running as fast as I can, wondering if I get there quicker if I was a man and I'm so sick of them coming at me again, because if I was a man, then I'd be the man.” Now that we're back from ‘The Man’,
14:48
what are we talking about today? We are talking about your money story.
14:54
Yeah. What’s a money story?
14:57
My money story or you’re money story? What is the money story, Mel, Why don't. Yeah. Oh my gosh. OK Your money story is what you believe around money. What are your beliefs? What do you believe to be true? What are those things that you're saying to yourself all the time? And they're probably things that you learn from your parents as well lately. But from your life to now, different things might have happened to have developed your money story. Well, basically, since you were a small child, you've seen things. How your parents handle money or whatever your living situation
15:28
was, how things came to be, what you could have, what you couldn't have, how much your parents saved or didn't save, what the things that you had in your life have all formed and the things that you were told. Money doesn't grow on trees. You can have this. You can't have this. Yeah, me and Darlene, I got very different money stories and every money story. I suspect there'll be stuff that's serving you and there's stuff that's not. And it doesn't matter how much money you had in your family or not.
15:58
That always is trade off and consequences. Yeah. You know do you belief system and you know the other thing you know in the work that we do, you know, you can have brothers and sisters and their money stories can be completely different to yours. Yeah. You know so because our psychology is different and we inherit these things, it's all subconscious. Yes,
16:20
yeah. And we inherit our money stories from other people. And we, like I said, it's very subconscious. They're coming into us all the time. And they're forming how we think and behave and believe things to be true. Yeah. And it's not just our parents. It's good and bad
16:36
experiences we've had with money. So yeah, you could probably think of something bad, a bad decision you've made about money. Yeah. Which is then formed a belief around how you won't do that ever again. That's right. Or how you're bad. Or. Yeah. And yeah, we have relationships with other people and we see how our friends or our, you know, our lovers behave with money and how that those relationships impact us. But the truth is that that is not
17:06
the truth. No, it is not. It's not who you are. These are just external things which, if we're not aware of them or thinking about them, are gonna control our lives. And we can rewrite this. We can undo it. We can say it comes back to that vision again. What is my vision for my life? What do I want to believe? Because those beliefs are no longer serving me. Exactly. You know and all those experience and pictures and you know things. You know, how did you know how if you come back to family,
17:37
like, was there a lot of money? Did you get everything you wanted? Did you have to save something first?
17:43
You know every, every part of life. And I was never taught how to save. Yeah, for money it was how could you earn money and how could you work hard that you will reap the benefits if you do work hard in life? Did people talk about money in your house? You know like the dinner table? Yeah we were cause we had feast and famine, I feel like my dad has always been in banking and finance as well and so but then he was self-employed. So it'd be good times and tough times.
18:15
So when we had lots of money we could spend it and that was great. And we were the richest people around. And I'm sure that my friends were jealous. I'm in fact, I know they were, that we could have things and we, one of my friends always commented on oh you always get the presents that I want and I didn't even want them and I was receiving them. But then when it was tough times, it was yeah, we just couldn't do anything. We couldn't. I remember lunch orders like you can't, we can't afford that or
18:46
yeah, yeah. But my parents would freely give what they had when they had it, I felt. So then there wasn't that savings thing. So I never got the sense that they we were saving. It was always in the moment, but not long term. And that in my adulthood is actually giving me a lot of fear. The fact that I'm, I won't be able to save or reach my long term goals. Yeah. Yeah. So they were just trying to help us and give us everything because we were the most important. But now I've got that fear that,
19:17
yeah, failure or I will fail or it won't end up well, yeah. And it's interesting because, you know, if you then go back a generation, you'll say, well, why did they behave with money like they did? And that's passed that on to you. Exactly. So why do you think they did that? Well, so my mum didn't have anything growing up and she all she wanted for was,
19:44
well, the basics and an education and she had to get herself to school by her own school books. She was living independently at the age of 16 and she I know that she made a decision at that time that she would make sure her children have the best education possible. And I
20:04
didn't want what she wanted for me. And so I had every capability. And I'm like, I didn't want to do what she wanted me to do, like with university and things like that.
20:15
But yeah, that was that from her. And then my dad, he was a migrant, came with nothing like his family, didn't even own a car. And his dad hitchhiked to work and had that really strong work ethic.
20:27
But I think my dad has always said you can't take it with you, you know, So, like, if you've got it, spend it and enjoy it. Like, he's got that joyful sense of living a good life right now. Yep. Yep. And there's no right or wrong. Everybody wants to think of money or money stories, right? Wrong. There is no right or wrong. It's just being aware and being able to see, you know, where that comes from. And the reason that's important is because think about the way you're behaving with money in your family.
20:58
If you've got children, and I've talked about this in previous episodes, but how? What are their money beliefs? Like what? What are you instilling in them and their thoughts about money?
21:10
Yeah, that's right. Because they'll make their own storeys up. Yeah, just talk to it. That's right. So I think the best thing to be and the way to combat that is be honest and talk and be transparent about money in your situation, how much you have, why you're making the decisions that you can. And if you're having values based conversations all the time, it's because we want to go on this family holiday that we all. That's why we can't do it. That's the thing for us at the moment. I've spoken about that before like we can't have big birthday parties or. Yeah, lots of gift giving.
21:41
Yeah, because we're working towards something else. I and I also think, you know, being really vulnerable and you know, talking about even the nuts and bolts about money, even you know, the physical numbers or you know, assets, liabilities, you know how much money you have. You have or yeah, you don't have or what are your priorities you earn? Yeah, all of the things. It's really good bonding with your kids too. And in a lot of workshops we do the most common thing and when people grow up and it will certainly like this. In my household
22:14
money was talked about everyday but not from a sense of your personal situation. Like you know how much money do we have. You know what's the monthly income coming into the house. You know we knew what assets though assets would definitely talked about and had. So you knew how much the house was worth how much your cars were worth. Knew all those things. But I was saying a lot of workshops in that we do. The most common thing that I think we do as parents is we don't talk about our money
22:44
with our kids. And so much feedback I've had through doing the work that we do, people wished they had learned more from their parents because then they could make, you know, decisions on what works and what doesn't. But I think there is a side benefit of bonding. And to be honest, there's no way you can actually save your children, really. Like if we're gonna cause it's that's our humanness, this subconscious that we don't have control over. They're going to absorb what they want to and what regardless of what we do,
23:15
so we can try our best and we can help them. And open and honest communication is the way to go. Yeah, But we always, at the end of the day need to decide for ourselves what we want our reality to be. Yep, Yep. And one of the most powerful things you can do, and if you just walk away with one action today is to go away and at some point write your money, story, writing it down. I've done this recently with my own and it's super, super powerful
23:46
because I think when you write something down, you actually absorb it better. You
23:54
it's even in a different way, maybe in a different light. Um, yeah. So I've found that super powerful and I've certainly changed some of my behaviours since doing that. So my money story is I grew up on a farm in Tasmania actually, which I love and I love the land. So it's giving me some great things. But in farming, particularly being a young girl growing up in a farming environment, girls don't get the land they get. I'll go and get married.
24:24
Um. And so, um,
24:28
I always felt inferior just because of my gender around money and what I was entitled to or what I should want out of money. So I grew up in a household where women normally want material things and you know, guys build the wealth and the security and that sort of thing. I grew up in a loving family. Money was talked about and we definitely talked about assets and numbers and wealth. You know, the common sayings were “save for rainy day”. You know,
24:58
“put money away because there'll be bad times coming” and they all sound like really good things. But all the things that I learned around money and really how it's played out in my life is that I have spent my life trying to be an equal with my dad around money or above. Show him that I can do better. And, you know, really, it's not about things at all, but it's really just him. I wanted him to see me as an equal.
25:29
So I only really realised that of recent times from writing down my money story and being able to let some of that stuff go and now run my own money story. Yeah, yeah, big come back to your own vision and purpose for your own life. Not vision of the family or what you believe you are the belief that you have about somebody else who it's probably not even his beliefs. Like no, not at all. We make up in our heads he wouldn't have thought this at all. Ever.
25:59
Yeah, but I've bought family land. I bought it with my own money cause I had to have it, but I don't even want it. So I'm selling that at the moment actually. But yeah, she's selling everything because she's realised that it's not doesn't align to what she actually wants in life and she's done everything for the wrong reasons or that aren't aligned. Energy spending money, mind you, or trying to build wealth that I don't even and you know, working in banks and working in finance work in numbers to prove ironic, to prove and know everything that you can possibly know about finance. Exactly.
26:30
We're lucky that you have Oh my god. And I love what I do. And you know, I suppose you know through anything we do. You know, we wanna. I want my purpose and my wise. I wanna pass that knowledge on. And this is just what I know. So I think, yeah,
26:47
these things aren't obvious. It's what I've learned. Like
26:53
you'll be going along. And all this for me is in my subconscious. I didn't join all those dots till recently, and I've written it down, but I've lived that life subconsciously so. And make decisions based on it. Yeah, big decisions. Yeah. It's just not been in the forefront of the reasons until I've unpacked that. So yeah, I think money stories are the most powerful thing that you can actually do. So don't give it lip service. You know? Write it down and you might do it a lot over time till you understand.
27:23
And what it does is it brings awareness to your everyday life to go well, hey, why am I saying yes or no to something? Yeah. Because is it what I believe or is it what it's. This is the believer is cause your belief. You obviously believe it to be true. But is it what you want to be believing? And yeah, where's that belief come from? Question and everything. And I can't believe how much you just had the light bulbs go on and you were changing everything. You're like, Oh my God, I have done all of this to prove something to my dad,
27:54
and I haven't done any of these things for me. No, no, I haven't. And I've had, you know, a partner that's gone along with it. And I suppose it sounded good and it's, you know, trying to, Yeah. But it's too much energy and effort, you know? It's just not what I value.
28:14
Yeah so yeah, I would absolutely encourage you to you know put some thought into it and you, you know micro surface and overtime you know write it down and see if you have any light bulb moments. Because until you do that and then you won't know if it's serving you or not. And then you can make changes if you need to or want to or you know own what you love about it too. Exactly. Alright. Yeah, yeah,
28:37
Um, right. Yeah. Money stories and we have a question from the audience we do, which has come up a little bit as to whether you should consolidate debt. So I've actually had a couple of clients who have got some accumulated debts for different things. Some of it's been business debt, some people have got, I've got somebody who's got a holiday debt with a holiday company.
29:08
I've got somebody with and know that that person is also like a novated lease and a credit card. Yeah. So if you have some of these things, the question is do I pay them all out and put them all together into one payment? Consolidate them? or do I keep them all as separate and keep just keep paying
29:28
Hmm yeah that's it. And it there is no clear answer you really it's everybody's situation is different and you would need to you know have a look at your individual situation to decide. But things to consider whether or not it's good for you - one would be your cash flow position. So understanding your income minus your expenses like how's the pain threshold really is what you're saying - Is life really tough right now and have you got any money left?
29:58
Yeah, that's right. What are we working with? Like if you're feeling the pain that you've got all these liabilities, then maybe putting into one loan might help. It's gonna free up and it's gonna let you actually maybe keep your house maybe because and not default on some of these loans. But it's not a great strategy just to do that in a whim because some of those loans might be over a short period of time, like five years or even shorter,
30:29
you know. So it means if you were able to maintain the repayments on them, they're gonna be paid off much sooner. Whereas if you put it in a home loan that could be going back out over 30 years and you will pay more in the long term, a lot more interest. So if you put your what we don't wanna be doing is in that situation where we just keep putting our debts together, making the small payments smaller and then accumulating more consumer debt because that perpetuates the problem and you will get to an end. There will be a threshold where you can no longer maintain that and the whole system will
31:00
burst and you're not creating any asset for your future. That's right. I mean if you are consolidating and you have a house with some equity so you can actually add it to the home loan, you are reducing how much equity or ownership you have on you have on the house. So impacts you in the long term. Yeah. So but it depends, it depends on what problem you're really solving for and it could be a strategy for it, you know a part, you know, some of your longer term solution. It could be short term strategy for longer term solution
31:31
and but that's where you've gotta you know like come back you know listen to our previous episode on the eight steps to financial wellbeing because you really need to step through those first which will help you understand whether the consolidation is a good decision for you or not. Hmm yeah very good. Well and just before we finish up, we're gonna leave you with a pondering question cause and it's around mortgage broking. So if you have a mortgage broker
32:02
what do you value out of that mortgage broking relationship? And yeah please let us know. Yep. And if you don't have a mortgage broker also really interested to know, you know, why not? That would be good to understand too. Great. Well, thanks for listening along and we'll see you next time for Episode 8.
32:22
At The Money Collective we provide financial wellbeing premium coaching, mortgage broking and workplace financial wellbeing programs which we couldn't do without the seamless support of our fabulous team. If you'd like to find out more, head to themoneycollective.com.au or our socials to take action and engage our services. In our Facebook group, join the conversation and help us break down the taboo around money. All content in this podcast is for educational purposes only and is general in nature. For tailored personal advice, please seek out a professional.
This podcast provides general advice only. It does not take into account your objectives, financial situation or needs. Before acting on any information provided, you should consider the appropriateness of the information and the nature of the financial product in regards to your objectives, financial situation and needs. We recommend discussing your personal situation with a financial professional.
Podcast by:
MEL PEARCE & DARLENE NEU
Co-Founders, Financial Wellbeing Coaches and Mortgage Brokers
The Money Collective
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