Elizabeth interviews Chris Carlin, expert Australian financial advisor for teachers, whose parents were teachers. Chris helps everyday people…teachers and nurses, who need strategies to grow their worth. He addresses buying your first home, managing personal debt, cashflow and budgeting.
Chris explains his strategies for managing your income including setting aside money to “pay yourself first”… and work out what your annual, quarterly and monthly bills are going to be.
Some articles recommended by Chris:
https://www.theguardian.com/teacher-network/2018/apr/10/teachers-are-at-breaking-point-its-time-to-push-wellbeing-up-the-agenda
Stress of teaching
https://www.facebook.com/MasterYourMoneyNow.Com.Au/videos/490479678233046/
Chris Carlin is an Authorised Representative (No. 1235031 for financial services and No. 514748 for credit) and Master Your Money Now Pty Ltd ABN 65 627 229 681 is a Corporate Authorised Representative (No. 1265677 for financial services and No. 514747 for credit) of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523
This information is general information only. You should consider the appropriateness of this information with regards to your objectives, financial situation and needs.
Elizabeth interviews Chris Carlin, expert Australian financial advisor for teachers, whose parents were teachers. Chris helps everyday people…teachers and nurses, who need strategies to grow their worth. He addresses buying your first home, managing personal debt, cashflow and budgeting.
Chris explains his strategies for managing your income including setting aside money to “pay yourself first”… and work out what your annual, quarterly and monthly bills are going to be.
Some articles recommended by Chris:
https://www.theguardian.com/teacher-network/2018/apr/10/teachers-are-at-breaking-point-its-time-to-push-wellbeing-up-the-agenda
Stress of teaching
https://www.facebook.com/MasterYourMoneyNow.Com.Au/videos/490479678233046/
Chris Carlin is an Authorised Representative (No. 1235031 for financial services and No. 514748 for credit) and Master Your Money Now Pty Ltd ABN 65 627 229 681 is a Corporate Authorised Representative (No. 1265677 for financial services and No. 514747 for credit) of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523
This information is general information only. You should consider the appropriateness of this information with regards to your objectives, financial situation and needs.
Welcome to the Get out of Teaching podcast presented by Larksong Enterprises. I'm your host Elizabeth Diacos. On the show, we'll look at the who, what, why, where, when, and how of moving out of your Education career and into a life you love. We'll meet ex-teachers, delve into what we love about teaching and how to translate that into something new. We'll talk to people who can support and inspire us as we make the transition and work on identifying the legacy we want to leave in the world. So come along for the ride as we get out of teaching! Episode 3 Hi there and welcome to this episode of get out of teaching where I'm going to be speaking with Chris Carlin. So Chris, hi...and welcome to the show.
Chris Carlin:Hi Liz. Thank you very much for having me.
Elizabeth Diacos:Um, so Chris, how about you tell us a little bit about yourself and how you got into the industry that you're in.
Chris Carlin:Yeah. So I am a financial planner, mortgage broker and founder of Master your Money Now where we help everyday teachers and nurses take control of their finances from the comfort of their own home...We're based in Geelong, so just down the road from where you are, Elizabeth, in Melbourne, but I service clients are remotely on a regular basis via Zoom, just like we're having this meeting now. And we look after a range of in particular teachers. We s pend a lot of time helping teachers buy their first home, but... which is quite important a s plenty of schemes and grants around there. But also, for particularly for your audience, we help our teachers retire earlier and with more, enabling them to live the l ife that they want to live. And that might include getting out of teaching. S o...
Elizabeth Diacos:...sounds amazing! So I wish I had met you a little bit earlier(laughter). Okay. So, it sounds like there's two really distinct things: there's something here for teachers who maybe are at the start of their career and they're thinking about shoring up their, resources in terms of property investment, that kind of thing. And then you've got... If we look at the possibilities for someone later in their career who might be transitioning into retirement or who is thinking about maybe building up their superannuation or that kind of thing, what strategies they might use. So how about we start with the younger ones and then work our way through.
Chris Carlin:Fantastic.
Elizabeth Diacos:So what advice would you give to someone say in their thirties?
Chris Carlin:Yeah. Yeah. So I guess...if I'm thinking of a 30 year old and I'm...I'm 30 myself... So I guess the first, the first time that people usually seek advice is when they want to save for their first home. So, there's a few things that we can look at there. The first one is...and it's, it's really surprising how many graduate teachers and nurses... I work with both, but even a lot of millenials have a lot of personal debt...credit cards, car loans and the like. So that cashflow and budgeting side of things is generally the first point of contact is, you know, teachers and nurses, you know, they're spending 40(or on paper) 40 hours a week, but usually it's a lot more, and so, and they're earning a wage where it seems to disappear and they are living paycheck to paycheck. So setting up the right budget and y'know helping them pay down and take control back to their finances.
Elizabeth Diacos:That's such a dirty word, Chris. No one's going to want to hear that. Come on! You've got to make it more fun for us!(laughter) No one wants to budget. So when you say that, what...how do you ask people to prioritise their, their..you know, they've got their paycheck and it's...say they're on... If they're in their thirties, they could be on anywhere in Australia from around about 60 to 80. I'm going to say depending on if they've been full time or part time along the way...because they might have stopped to have children or they might, they might still be out on family leave and they're thinking about coming back in. And so all of these things impact on what your take home pay might be. So, so how, how can we... Come on... You've got to make it fun for us!
Chris Carlin:I guess the thing, it's a very good, a very good point. I, I'm a big believer, if you don't master your money... Money will master you. And when we're talking about these people who have a lot, a lot of personal debt, they are mastered by money. I'd daresay, for a lot of people who are wanting to get out of teaching...the reason that they can't do it, is because they mastered by money. So if you don't...I know... budgeting and control is not the sexiest words to use, but if you don't take control of your finances, then your finances will control you. That's the, that's the reality of it. So, in terms of budgeting, I guess for me, I've got a bit of a philosophy where, um, I think what catches a lot of people out, especially when they're living paycheck to paycheck is they got all of their expenses in the one account, which for me... It just doesn't work because if you've got a month, and I'll use December because it's Christmas and, you know, we have the time to go away on a... holidays...
Elizabeth Diacos:A lot of spending.
Chris Carlin:Yeah, A lot of spending.Most people, if t hey're living paycheck to paycheck, g o t o December a nd realize, Oh, I haven't got enough f or Christmas present, have enough...not for that holiday away. I'm g oing t o after pay it, or put it on a credit card. And t hat s tarts t hem i n the new year on the back foot in a lot of cases...
Elizabeth Diacos:Yep. I can relate to that. When our kids were young and we had to buy...we have five children...so we'd have to bless school uniforms, we'd need to buy school shoes. They all needed their Miki cards so they could get to school on the bus or the train. And it would...we would be paying that off until mid March.
Chris Carlin:Yeah, yeah, and that's...
Elizabeth Diacos:because we just couldn't, like, it was killing us every year. And that's just, and that cycle is just going to put you further and further and further behind. So what I always suggest to my clients is to break up your bills into weekly or fortnightly. I think most teachers in Australia get paid fortnightly as a month... Fortnightly account, monthly account, and annual accounts. And rather than trying to find, let's say$1,000 for Christmas, or that annual holiday, we set aside$40 a fortnight every single fortnight into an account that covers all of your annual expenses. So for example, if we did the holidays, the car loan, the school fees or the school uniforms, let's say that totals five grand. Rather than trying to find that in one hit, we set aside, I think that's$200 a f ortnight, every single fortnight into an account. So...and then when those car registration c omes due, which in Australia's about 800 bucks, you've got the money there, you simply just g otta transfer it into, you know, you transfer the money back into your normal account and use that to fund that expense. So y ou have y our, so, a nd, and this i s a bit of a concept about paying yourself first. Most people they pay, y'know they s pend all their money on food, they spend all t heir weekly expenses, t hey try and save the rest. That n ever works. What I would suggest is if you get paid on a Wednesday...on t he Thursday, make sure there's a direct debit for your annual bills, your monthly bills, your savings, whether it's saving for a first home or investments or something like that. And then you spend the rest. Right. Okay. So I've got a question about that...my daughter's in early childhood education and she has just bought a little unit. Yes and, and so, yeah, it's pretty exciting.. She's actually putting all of her money into an offset account. So how does that fit with your system?
Chris Carlin:Oh yeah, you can definitely do with an offset account. I would probably suggest you can usually have a couple of offset accounts, depends on your bank and loan provider. So, yeah, definitely an offset account for those who don't know, is whatever money you've got set in that account is going to be...rather than earning interest on that money, you're going to be using that money to offset the interest that would have been paid on the loan. So quick example, if you had a 200 grand loan but you 20 grand in an offset account, rather than paying interest on the 200,000, you pay interest on the$ 1 80, 000. So yeah, I would definitely, if you've got, if anyone's listening does have a mortgage, then definitely offsets are very good way to help pay off your lo ans f aster.
Elizabeth Diacos:Yeah. And also reduce your overall expenditure over the span of your life too.
Chris Carlin:Definitely. Definitely. So can I ask with a daughter on her first home, did she use her super to save for a first home?
Elizabeth Diacos:No, she's just...she's just a tight-ass...
Chris Carlin:Yeah, yeah(laughter)
Elizabeth Diacos:She,...she actually didn't get a"Miki" card. She bought a bike. So she worked out that a Miki was going to be 1200... Yeah,$1,200. And the bike was$386 or something. And so we, we went and bought a bike and she rides to work and doesn't spend money on bus fares or tram fares and she walks to the shops. So... Where she's located now, she can actually walk to most of the shops, which is great... once a week she gets on a tram to go to do a big grocery shop with a backpack. And u m, y up. She's very frugal!
Chris Carlin:There you go...
Elizabeth Diacos:She managed to save, you know, she saved half the deposit in 18 months. So she did very well...
Chris Carlin:Yeah, wow...that's good
Elizabeth Diacos:It's only a small unit though, to be fair!
Chris Carlin:Yeah, true. true...but hey a first unit's...it's better to have a small unit t han n o unit. But I guess the thing that she may have missed out on is that you can u se your super to save for your first home u p t o$30,000, and you can s ave four and a half grand in tax in the process. So the way that works is if you, so you're o n??l, I s ay a gain, we're talking about Australian rules here. If you put money into a..if your e mployer i s putting in nine and a half percent of your salary into your super, you cannot use that for your first home. However, if you put money into your super account for your first home...this is only for first time buyers and then withdraw that money for as a deposit for your first home, you can save up to four and a half thousand dollars in tax.
Elizabeth Diacos:Wow! So it's obviously too late for her because she's already done it. Correct. Yeah. This is only for first home buyers Wow...That's amazing! I wish I'd known that too. That would have been great advice to have given her.
Chris Carlin:It's a, yeah. If you're a tightass on tax, which I always recommend be a tightass on tax, then that is definitely, it's a great way to...and not many people know this scheme, and like the incentives for first time buyers between the super scheme, the no LMI scheme for first house home buyers..stamp duty concessions in Victoria. I think they did the calculations, the council, that$60,000 of potential concessions. Wow. Quite a bit.
Elizabeth Diacos:That's in Victoria. I wonder what are you able to help people who are from other... I know, like obviously we're in Australia and this wouldn't apply worldwide, but are you able to help people in other parts of Australia apart from Victoria?
Chris Carlin:Yeah, So, um, so it is in Australia, so I'm a financial planner, so I can provide financial advice on a range of topics in Australia. So super, personal insurance cover, cashflow, retirement planning, uh, the whole kit and caboodle. Um, so yeah, and I've got clients I work with remotely on a regular basis. So whilst I'm based in Geelong, I've got clients from Rockhampton to Hobart and everywhere in between. So in terms of those in the United States and UK, I can't provide financial advice, but I can do coaching. So, w hich might be a little bit different, depends on their individual circumstances, I guess, whether that's an option for them.
Elizabeth Diacos:Ok, great...All right. So we've covered off the 30 year old, what about 50, 60 year old?
Chris Carlin:Yeah. Yep. So I guess, I guess maybe there's probably a step in between there. So I guess when people buy their first home, I would always argue that's not your only home. And so, and, and in using it as a stepping block and just the importance of building wealth both inside and outside of superannuation is definitely something that I would be looking at and I appreciate.... Look, it's definitely hard, especially when kids come on board. So the more you can do before kids come on board, the better, but certainly b eing engaged with your super and looking to make additional contributions and so forth, but also looking at investments outside of super, whether that's investment properties or m anaged funds or shares...whatever that might be, whatever that might look like... I would always say no matter what t ime f rame that y ou're looking at or whether you want to get out of teaching now... I would always try and aim...you, you can be financially free in 10 years...that's my claim Um, and that's certainly a b ig claim, but if you're willing, to committed and you're a ful l ti m e te acher, you kn o w, b eing financially free in 10 years and what I mean by financially free is not being... not having to go to work, that is definitely achievable.
Elizabeth Diacos:That sounds incredible. Unbelievable.
Chris Carlin:Yeah. Yeah. I like, I often say like, particularly teachers, you know, buying five properties in 10 years is actually quite achievable. Now obviously location is important. So I wouldn't say you'd be able to buy five properties in the inner Sydney, but, um, but you know, five properties in 10 years in, you know, like Geelong for example, is definitely quite achievable if you're focussed and committed to it...and you can take it to the next extreme...and there's those who talk about the F.I.R.E lifestyle...which is, Financial Independence, Retire Early,
Elizabeth Diacos:Oh, yes, I've heard of that!
Chris Carlin:yeah, yeah, look, they're saving. They're taking it to the next level and they're saving somewhat 70, 80% of their income, w hich, u h, and doing crazy things like not ever turn the heater on and things like that, which I personally don't agree with. But, but yeah, definitely b eing able to build your wealth.... If you've got a full time income, you know, having a plan to be, to be in a position in 10 y ears time where if you decide I don't want to work in teaching a nymore, I want to change careers or work l ess, or whatever it might be that you've got a financial pool outside of super, a financial backing outside of super to be able to do that.
Elizabeth Diacos:Amazing. Okay. So that sounds really very appealing. I'm sure that will appeal to a lot of people who are listening today,
Chris Carlin:Yeah, hopefully.
Elizabeth Diacos:Okay. So then what if we've, we've NOT done that and just, you know, we're, we're, well, I mean I've just, I've just turned 55 so happy birthday to me, as we're recording...but you might be listening to this later on, so obviously that's not going to be relevant, but I guess if you get to my age and you, you haven't made those, those plans where you haven't invested in multiple properties, for instance, what other options do you have? Say you've got, if you say l ike I h ave 55, say I was g oing t o teach t ill I'm say, early sixties, early to mid sixties.
Chris Carlin:Yeah. Yep. Well, I guess the, the beauty of it is, you know, the, the backup plan, so to speak, is your superannuation and so looking at your superannuation and going, w here, w here, you know, how much is in your superannuation i n the moment and how long is that g onna last you at retirement? So the earliest you can access your age, it's a sliding scale. U m, it's, it was 55. It's gradually moving to age 60. So that's the earliest you can access your superannuation and use that to potentially supplement your lifestyle or make additional contributions into your super account and that's more commonly known as the transition to retirement strategy. So yeah, definitely. U m, that's definitely a very, very common retirement planning strategy...being able to, u m, yeah, put more money into super... withdraw it at a later date and potentially if you're over the age of 60, again there's potentially another$3-$4,000 in tax savings by doing that... But I guess the other thing I would probably suggest as well, and this is based on my experience...I've been in financial planning for about 8 years now.
Elizabeth Diacos:Right...
Chris Carlin:Those who retire and maybe I'm probably speaking particularly to males as well is I would general... I'd definitely try to ease your way off retirement rather than just going from full time to no time in overnight. I'd, I would probably suggest if you're say 62,63 and thinking about retiring in say two years time, I would say rather than do that full time, potentially consider doing half... Doing it at 0.5 or 0.6 for a longer period of time. So if you can maintain a 0.5 for say another four or five years, that's going to be a better financial outcome for you than working full time for two years. Firstly because you pay less tax. B), you're earning that little bit of income, which you m ay not be going forward, but at least you're maintaining your retirement balance...yeah, that's, and I think particularly, and again speaking as a m ale as well from mental health perspective, it's, I generally find, you know, it's generally easier to go down that path. I think my dad who got made redundant...he was a teacher as well. He got made redundant...Unfortunately at age 63, that... transition f or him was quite tough.
Elizabeth Diacos:Yeah, I can imagine
Chris Carlin:yeah, yeah. But um, uh, yeah those, I generally find who can do that day or two a week... I guess it doesn't even have to be teaching either, I should, it should stress. Um, but yeah, being able to do that little bit, you know, two to three days a week, it's less stressful. You've still got four days off a week. Generally find those sort of clients are generally my happier clients.
Elizabeth Diacos:Okay. That's good to know. So there's a, so there's, this is more than just about having enough money to spend. So if the wind storm brewing it outside my studio, so they're gumnuts falling on the roof, it's not hail!. Don't worry. It's all good....So it's...this is not just about having enough money to do the things you want to do, it's also about actually maintaining your, your... emotional, your physical wellbeing as you transition out of, out of your role in education or whatever role, in fact, it wouldn't matter what industry you were working in.
Chris Carlin:Absolutely. I think, again... I'm speaking as a male and you would have more experience in this, but, I think particularly for men, we need to keep busy. We need to,... we need to... Yeah.... And, and it's that loss of identity as well. And if I can transition this to a financial planning example,, we've obviously...financial planning has been through a lot in the last 12 months with the Royal Commission. Mental health is so prevalent in our industry. Uh, 18 financial planners sadly took their life, this last... In 2019, which is AWY about the national average...and it is, it's so many factors, but that loss of identity is such a big one... Yeah, that's certainly for males, it's something I'm passionate about. As you can tell. It's definitely something that's worth a discussion about. And then for teachers, the mental health side of things, we were just talking before we started the show, that one in three teachers in Australia have sought professional health... professional, uh, mental health counseling support in the last 12 months, one in 20, 35%.
Elizabeth Diacos:That's massive!
Chris Carlin:That's huge And that, that, that's they are the ones that have sought help. They're not the ones who might've thought about it. So as I was transitioning out, I did not...I...I knew there was assistance available through the department of education, but I wasn't sure if I could trust the, the help. Like is it confidential? Is my workplace going to find out that I'm doing this? Is that going to impact negatively on my position? So there's a lot of fear around admitting that things aren't going well for you. And I think a lot of people just suck it up. And that's what I did. I sucked it up. I left... limped out like a wounded animal and you know, I didn't know to go to get help. And I certainly you know, obviously compromised my longterm financial situation. I mean, I'm married, we, you know... I've got back up, but even still, I mean, it put the onus back on my husband to, to bring in the money to pay the mortgage and all the rest of it. And our mortgage.. I'm hoping we will still be allowed to pay off the last payment...we're stretching it out further and further by every year. And I mean, you know, they, they're all considerations when you, when you're trying to leave, and I just wanted to add in, like if people are in a position where they're not sure if that's the right decision for them, that's when they should come to me and have a chat and they maybe they can also have a chat to you. Definitely
Elizabeth Diacos:Because I help people get out of teaching and into a life they love. And that's my passion because I really struggled myself and there are, you know, like it's a multifaceted situation. You've got your financial thing, you've got the passion that you brought to the job, the grief about leaving the job, you know, the... All these elements impact on your decision making. And sometimes you're just not in a good head space to even think...think clearly about what the options are. So it's great to outsource some of that, that anxiety and get some professional help... and you know, you're, you're offering a 30 minute free consultation just to have a chat about that.
Chris Carlin:Yeah. Yeah. Um, and before we do that, I'll say one thing I'll point out as well is most people, went personal insurance and income protection cover as well is so important. And if you are in a position where you are unable to work due to injury or illness or mental health, whatever it might be, you might have, income protection or some sort of cover in your super, which can help pay for some of those bills whilst you are taking time off due to health reasons. So I've had one client whose she had to take off where she was only 26, 27 due to stress and anxiety for 12 months. Put her in a terrible financial situation. She had no idea that she could make a claim for income protection. So we're working through that now to see if she can make a historical income protection claim and we're talking about 12 months of time off work. That's a considerable amount of money. That's... That we're fighting for. So, um, I suppose if you don't have, income protection or Plan B place, it's definitely something worth having a discussion about. Um, and there's plenty of options available. But I stress do it before the mental health side of things kicks in, cause sadly if you have seen a counsellor or something like that, there's highly likely there will be an exclusion for mental health.
Elizabeth Diacos:Right, Okay. So it's something to consider early on. So, yeah, it's definitely, I know, I definitely have that as part of my superannuation because when I broke my wrist 18 months ago, I looked it up to see what the you know, the time frame was before I could make a claim. Unfortunately it was the same length as the healing time. So...Yeah, that was, it was eight weeks, sort of buffer there. So I didn't get to make a claim and that's where if you,, if...the cover, I usually set up isfunded mainly through super but a little bit outside of super. So you get better definitions. And one of those definitions is, what's known as specific injury benefit or for income protection. So I literally had a client who also broke their arm, but because I had a little bit of cover outside of super, they got two months paid out, no questions asked. Oh...Okay. So now I'm really regretting not meeting you earlier, Chris!
Chris Carlin:(laughs) So the cover super, it's better than nothing, but I'd always recommend having a little bit of cover outside of super, it costs maybe 60 it bucks a month, depends on a few circumstances...so it's just like a phone bill and my book, I'm sorry, again, just like another phone bill. But getting that in as early as you possibly can is, is just so crucial.
Elizabeth Diacos:Yeah. Yeah, that's great advice because when I went to do it, so I was, I was doing relief teaching at the time, so there was... There was only one school I could work at cause I could walk there, all the others I needed to drive and I wasn't allowed to drive because I had a broken wrist and the doctor said do not like don't risk wrecking the surgery that I'd had. Yeah, I was stuck at home and catching Ubers is costing me a fortune and I couldn't, yeah, I couldn't, I didn't want to work anyway in the school with...I had big bandage on my hand and I was worried that someone would knock it or whatever. So yeah, it was, it was a very difficult situation and that actually impacted on my mental health too because I couldn't drive and you know, I couldn't get out anywhere. Couln't go and visit anyone...
Chris Carlin:the income was, it sounds like it cut off. So there was nothing coming in from a financial perspective...And you know, the link between financial stress and mental health is huge. It's.. Financial stress is t'rehe number one reason for divorce, um, they so heavily linked to, and again, as we said at the start, I think one of the reasons that people may be struggling to get out of teaching is because they haven't got the...because of financial reasons.
Elizabeth Diacos:Yeah. Oh, definitely. There's a golden handcuff, especially as you get to the later years in your career, people are on a much higher paycheck and the thought of leaving that behind in spite of what else might be happening in the workplace that's causing them distress. And just] the anxiety about taking that big cut in income is one of the main motivators for people to stay... Even well beyond when they should. I think
Chris Carlin:I totally agree with that. And um, and I...life is short. We've only got X amount of years and I would hate for, again, not just teachers, but anyone to be stuck in jobs or in doing things, spending their hours doing things that they hate. I'd much rather you be spending that doing other job, you level, spending it with people that you love doing and that are important to you...life's too short, to be stuck in a, in a rubbish job. Uh, let's, if you need, let's have that conversation...and so, BUT that doesn't happen by accident. You need a you need a financial plan again to talk aboutthe financial side, of things.
Elizabeth Diacos:Need to"Master your money now".
Chris Carlin:you need to"Master your money now", exactly right!! Very good segue, I like it!
Elizabeth Diacos:Okay. So if people wanted to get in touch with you about, getting some advice, what would you say to them?
Chris Carlin:So, you can go to my website, which is masteryourmoneynow.com.au. You can go to the'get started' page and you can book into... A for a 30 minute complimentary chat with myself or one of my team and we can go through your situation.... cause I suppose, uh, probably a good segue for the, disclaimer here that the information in this session is only general in nature. I don't know you, I don't know your circumstances, but at least that discussion will start the ball rolling and to enable us to talk about your personal situation. So if you want to reach out to me, that's a great way to do it. Otherwise you can follow me on Facebook, Instagram, YouTube, and LinkedIn, whatever you prefer. And and yeah, I post regular content, regular videos and, which hopefully...
Elizabeth Diacos:Oh, and we're going to, we're going to put one of your videos up on in the...so, this episode will have"show notes". And the way to find those is to go to www.larksong.com.au/podcast and I'll be posting the episodes and also the show notes, which will have, like a summary of this conversation. But also, Chris has a video he's done recently. We're going to pop up there as well and I might put it also in the Get out of Teaching Facebook group, so you'll be able to see it in there as well... So there's lots of ways you can get some more information about getting some financial support. So... Chris Carlin, thank you very much for joining us on the Get out of Teaching podcast today....its been wonderful to meet you
Chris Carlin:It's been a pleasure to meet you, Elizabeth Diacos....thank you very much.
Elizabeth Diacos:You've been listening to the get out of teaching podcast presented by Larksong Enterprises with your host Elizabeth Diacos. Do you know someone else who could benefit from hearing more stories of hope and transition from teachers all around the world? Please take a moment to share this and other episodes via your podcast app. Each share helps me reach listeners just like you who can benefit from this content. The"Get out of Teaching podcast is proud to be part of the"Experts on Air podcast" network. For show notes and other resources. Please visit larksong.com.au/podcast