Money for dummies with Effie Zahos, Nine's Money Editor | That's ACA

Added: 2026-05-09

[00:00:00]If we lose control of the labor market, we are going to be in a world of pain because that's the only thing that's keeping us afloat.

[00:00:07]>> Okay. So, what's your advice to people who are planning on going and to the boss of Monday and asking for a pay raise?

[00:00:14]>> It depends on your skill set. I reckon a lot of people would want your job. I think you're disposable.

[00:00:21]>> Gosh.

[00:00:22]>> If he said money, >> who are you?

[00:00:26]>> What's got to do with you?

[00:00:27]>> 4 months. All right. Until they clean up their yard, the rats won't go away.

[00:00:33]>> Is this all hocus pocus?

[00:00:35]>> Can you say abracadabra? Here's your pain.

[00:00:38]>> I'm pretty fit. A door. I can keep running.

[00:00:40]>> Okay, go.

[00:00:42]>> It's called a current affair.

[00:00:47]>> Have a lovely day.

[00:00:53]>> Well, hello. I'm Steve Marshall.

[00:00:55]>> Hello, Steve Marshall. I'm Lizzie Pearl.

[00:00:56]Hey Lizzie, welcome to another episode of That's Aka, where we take you behind the scenes of Australia's number one a current affairs show, a current affair.

[00:01:04]>> A current affair.

[00:01:05]>> Current affair.

[00:01:06]>> Um, hey, there's a person that we are joined by often on a current affair that >> unfortunately is the bearer of bad news.

[00:01:15]>> Who is it?

[00:01:16]>> It's there's a few of these people.

[00:01:18]>> I know. Well, no, this is the person we go to when there's bad news. When I say bad news, I say bad money news >> because but she does talk a good game when it comes to money. Her name is Ephie Z.

[00:01:29]>> She's Channel 9's leading and number one money commentator.

[00:01:33]>> Number cruncher.

[00:01:34]>> God, do we need her right now?

[00:01:36]>> We do, >> don't we? Effie, welcome to the show.

[00:01:38]>> A welcome.

[00:01:41]>> Not always bad news, but what I've been on your program. No, it seems that way though at the moment, >> you know, it does like, you know, boom interest rates, boom, interest rates.

[00:01:52]Gosh, >> we've had a hard slog, haven't we?

[00:01:54]Really? Um, as far as events go, and there are always events. Um, when you look at one of my favorite graphics, actually, I do I do like a good graphic.

[00:02:06]You love a graphic.

[00:02:07]>> Those who know me know that I love a good graphic. Um it's called like the the wall of worry.

[00:02:14]>> Um and you just see over time the events that we have had the GFC, the the tech bubble, the the pandemic.

[00:02:23]>> We really have been in this state since what 2020.

[00:02:28]>> Um it's 2026 now. That's six years where households have had to really really juggle things like we've never done before. Um, and things are on a bigger scale. Everything's bigger now. We have more debt. Life is bigger, more expensive. So, it's it's amplified. It's hard. It's hard.

[00:02:48]>> And we've just had our third rate rise in a row.

[00:02:52]>> I mean, I have to ask the question, Effie, >> as a lay person. I mean, I did economics in year 12, so that's about as as far as I go.

[00:03:01]>> Did you love it?

[00:03:01]>> I loved economics.

[00:03:02]>> I actually really did love.

[00:03:05]You know, that's my level of understanding aside from being a jouro.

[00:03:08]>> Is it working? I mean, it's meant to be the big lever, the big stick that the RBA has to kind of control the economy.

[00:03:16]>> But you have to ask the question, is it working?

[00:03:18]>> And that's a fair question. I mean, I'd hate to be in Michelle Bowling's role.

[00:03:23]Um, I think it is extremely hard task given the fact that you really do have one instrument and as I say, it's very blunt. Um, and you know, there's a lot of talk whereby we're being saying that we had three rate cuts last year and now we've got three rate hikes. So, we're back to where we started. We're not back to where we started um for the sheer fact that we've got inflation sitting at 4.6. The RBA is forecasting that to hit 4.8. And when you look under the bonnet there, everything's gone up. Um, so even though we've had three rate uh cuts last year, now hikes, we've had every household bill has gone up and food and we'll still see more price hikes in food. Um, so we are worse off than where we were. And going back to your question, Lizzie, I would say >> and I I hate to say this because I do respect the the board. Um, it's not easy, but they've missed every forecast as well. So, >> did they get it wrong? were were the three rate cuts rate cuts we shouldn't have had. Um and then how effective is this? Because we've got another rate hike now that that's just happened. Will that actually reduce prices when prices are going up? Not because Aussies are buying, going out, we're going on a mad spending spree.

[00:04:44]>> Yeah.

[00:04:45]>> It's other variables that are causing price hikes. So how effective is this next rate?

[00:04:49]>> Well, that's right. Because I mean we have to spend to live but we're not you know I mean Harvey Norman will tell you that um there's less people going through the doors to buy TVs right >> and when you look at those indicators it's interesting so furnishing um white goods they're all going down an indication that that's causing um you know stress on households. Yes some of the numbers have shown we are spending more but that's also because prices have gone up. So there's a case of is it a case where volume or is it actual price?

[00:05:18]>> And the two biggest things in their CPI basket, I guess, are are food, fuel, >> um construction. We >> Yeah. Yeah.

[00:05:26]>> These are essential these are essential items. People can't say, "Oh, I'm not going to eat this week." No.

[00:05:31]>> And then we'll put inflation down.

[00:05:33]>> So it it's hard across the board, but it's a really interesting time. I'm like, I mean, I have been talking money for, gee, 30 years, something, and I've had the the honor of being on your show for for for a lot of that time, just popping in and out.

[00:05:46]>> This is the um first time I've seen um households be so in tune with their budgets.

[00:05:54]>> Um usually we put your head in the sand, don't care, whatever. Um and I am loving it. I'm loving the fact that we are so much more engaged with our money, but it is a case of we don't have enough of it. It's not keeping up.

[00:06:10]>> Um, and that that that's a real big problem for us moving forward because even looking at at what Michelle Bulock, the the boss of the RBA, said, >> we've got a lot of pain still ahead of us.

[00:06:21]>> And I know households have stretched their budgets as so much. And then again, it's going to come back to us, well, where else can we find these savings to move forward?

[00:06:29]>> Well, that's it. if you knew you were on our show the other night >> with Pipper Bradshaw's story and and um >> and the punters the the everyday punter that told their story on their show. I mean there was a comment from one homeowner that said we're considering having to sell our home. I mean that we're at that stage that that's really hard if >> look that that is really hard. I hope we don't see that. Still default rates are not that bad but looking at say Equifax data they've come out and said mortgage stress is definitely on the rise number of AR happening has increased look all I can say here now is that we've had that 0.25 hike so should all the banks move their rates up now what you'll see is the average variable rate sitting around about 6.27 27 somewhere around like that. The cheapest rate will be 5.75 you know anything between six and below is great. So that's looking at even say comparison site canstar data even looking at loan market that has about 600 brokers they're also saying the same that the the cheapest rate will fall around 5.75.

[00:07:35]>> Yeah.

[00:07:35]>> So the question now for consumers is and I know you probably done this you've probably refinanced once. Well, you're going to have to do it again because a bank is not going to call you and say, "Hey, Steve, we got a better rate for you." That's not happen.

[00:07:47]>> You procrastinate about that because it's such a pain.

[00:07:50]>> It's a run.

[00:07:51]>> There's also a cost, too. There's a cost. You know, you you hear the media, me included, and I'm always mindful to say this where possible. Um, if they give me more than a minute, I can fill your boots here as young as you want.

[00:08:05]>> Put your feet, make yourself comfortable. Come on.

[00:08:08]Um, you've got fees as well. So, you're right. It's not that easy as just saying, "Hey, go refinance." Because you're probably up for, you know, an application fee on the other side, a valuation fee. So, if you're clawing back a,000, you may pay a,000.

[00:08:21]>> Yeah. Well, here's the issue, right?

[00:08:23]Because if you have to refinance and you go to another bank, then they will value your homes. And and at the moment, those your homes are costing less. They've valued it less. Well, those on a 5% deposit, the scheme from the government, they would be the ones that are definitely in that situation. And here's the trap with those, and I I know this cuz my daughter has one of these loans, a 5% deposit loan.

[00:08:44]>> Um, to refinance, she can only refinance to another 5% deposit loan. And there's about, I think off the top of my head, around 30 of them. Um, so you can't just basically refinance to anyone. You've got to go to one of those. She can't come back home. Not that I don't want her. You can come back home.

[00:09:04]>> Did you hear that?

[00:09:05]>> But um I'll probably refer you not to.

[00:09:07]Um but she can't turn it into an investment property. So, you know, for those young people that thinking, "Oh, I might go back home if they can. I'll turn into investment property." You can't. So, there are restrictions of that. And I I think that is coming back to to to bite the bums of a few people.

[00:09:22]>> Have you got any tips for us? So, and I did this last year and this might be a bit of a luxury and I understand that not everyone can do this but and it was difficult to do it but when the rate cuts were coming >> I still kept paying the same amount into the offset thinking >> let's just put it in there >> and now the rates cuts have you know been reversed >> on paper I'm still paying the same amount of money so I'm not noticing that I'm losing that money and I get that's a luxury not everyone can do that but you know it was sort of taking the fall last year and now you know it's still there have you got any tips tips for people >> similar to that or tips that that where you can feel this pain less.

[00:10:00]>> Yeah. Yeah. And look, there's no magic formula. It's really a boring answer here. I'm just going to have to say you have to find out where is your money going.

[00:10:09]>> First of all, where is your money going?

[00:10:11]Uh and the only way to do that, I know it sounds boring, is a budget. And so if you haven't done that, you're already behind the eightball there. You've actually got to to do that. Um, and it can be as simple as I I love the um the government's website, moneysmart.goav.au.

[00:10:25]Such a simple budget planner. I use an Excel spreadsheet. I basically put all my expenses down um every single expense and then I go line by line. Um an easy way also is to take a look at your statements online and just I highlight between the two. What's tap and go?

[00:10:44]What's fixed? You'll be surprised just how much we do tap and go. So just rein it in. get to know your money personality too because a lot about our money behavior comes down to who we are.

[00:10:54]>> Yeah.

[00:10:55]>> Um >> and so the responsibility like is with the public to reign in the expenses to bring down those interest rates at the end of the day.

[00:11:02]>> Well, we've probably done it and this is the thing. Households have done it and they're probably sick. I know I'm sick and tired of saying the same thing in the sense that you know refinance. So if you got a mortgage, yes, we said refinance. Look at that. If you don't have a mortgage, you're a renter, um then you're going to feel a bit of pain coming through obviously there as far as rents go and depending on what the budget comes out. There's a whole lot of debate that if they start playing around with capital gains tax, will that impact um the rental prices? We had SQM research come out and say yes, it will especially in inner city uh apartments.

[00:11:35]So, you need to approach it differently because you obviously can't control your rent other than maybe moving to another suburb. So then it does come down to that budget line by line. We know this loyalty does not pay. Prices to do with all of our regular household bills, home contents, car, your your Wi-Fi, your mobiles, all those change so often. I can tell you now by swapping from the average price on those to the cheapest in the market or say best value, you've got a couple of thousand dollars that you'll pick up there per that's per year easy by just doing that refinancing and then sorry swapping and changing. And then it's just being savvy with everything we do. Be smart. Stack your discounts. Like if you like your streaming subscriptions, great. But have a look at your memberships, you know, whether it's your health insurance membership, your motoring club. Um, you can get there. Yeah. You've just got to do the hustle here.

[00:12:29]>> Like set aside one boring day and just do it all.

[00:12:32]>> But keep like for in Lizzy's case, keep the offset. Keep going because any dollar, every dollar counts in there, right?

[00:12:39]>> Look, okay, let's talk about this. We're seeing now probably the best rates uh sitting around 5%. You can get accounts now paying 5%. Would you put your money in there if you got a home loan?

[00:12:50]Probably not. Well, I can't give advice, but here's some general information.

[00:12:53]>> 5% you'll get a better return putting it in your home loan because you're probably paying 6%. That money in your offset or regional, there is a difference between the two and a bit of warning on those. That is taxfree, so to speak. So, you will be paying tax on the money if it's in an online saver versus in your home loan, you won't. The other thing is inflation. Inflation's at 4.6.

[00:13:14]You're earning 5%. you're paying tax on that. Your money is going backward already. Yeah. Um which is why now I'm seeing a lot more people investing. But we do need cash accounts. You need liquidity. Yeah. Um and it is hard to find value in the the share market as well. But you can see why money in the bank, even though I'm seeing rates at 5%.

[00:13:33]>> It's going backwards because inflation is at 4.6%.

[00:13:37]>> Um so going back to those uh uh uh redraw or offset, yes, put your money in redraw offset. Know the difference. an offset account sits next to your home loan. Um, your redraw is in your home loan. Um, and the conditions around redraw can be quite um, interesting. I'd read the fine print on those >> to get that money out. Sometimes if you lose your job or that they could turn that off, >> an emergency.

[00:14:04]>> Let's talk about jobs. What's going on?

[00:14:06]If inflation's going up, are we seeing people's wages going up?

[00:14:09]>> No, not as fast as we would like. And this is the interesting thing. Even looking at uh the best case scenario with the uh the Reserve Bank, their forecast, they're suggesting that we won't see a real drop off in employment.

[00:14:22]I think the thing that has kept us going and households staying afloat is the fact that most of us still have this job that we can go to. So even though our money might be running out pay to pay, we know next payday it's going to be topped up again. If we lose control of the labor market, we are going to be in a world of pain because that's the only thing that's keeping us afloat.

[00:14:44]>> Okay. So, what's your advice to people who are planning on going and to the boss on Monday and asking for a pay raise?

[00:14:50]>> Uh, is this for this? Is this for all of us?

[00:14:56]>> I'll decide whether to keep that appointment or not.

[00:14:59]>> It depends on your skill set. I reckon a lot of people would want your job. I think you're disposable. Gosh, >> if he said it.

[00:15:10]>> An empty chair.

[00:15:13]>> Um, look, you know, don't bother because right now you're lucky to have a job.

[00:15:19]>> Well, no, I should not. There are jobs that are in demand. Absolutely. Um, and there are jobs that unfortunately not so much. Um I mean we are going through one of the biggest changes that we've ever seen and AI is streamlining roles, changing roles, focusing on on different roles. So it is a um I I I don't know if it's actually an employer's market and employees market at the moment. It really depends on what field you're in.

[00:15:45]>> Always be useful is is in the in any workplace.

[00:15:49]>> Always look busy. Always >> and even even coming to work even when you've got a bad back Lizzy.

[00:15:55]>> Yes.

[00:15:56]This is my um this is not a sponsored advertisement. This is my electric hot water bottle.

[00:16:03]>> I've did my back in the gym and um this is what's keeping me afloat today.

[00:16:07]>> Yeah.

[00:16:10]>> Always be useful.

[00:16:11]>> Kudos to you to talking money with Effie who is always entert with with your job if is making money >> sound entertaining.

[00:16:22]>> Yeah.

[00:16:22]>> Money issues entertaining. That's tough you know. Yeah, >> I'm definitely not curing cancer here or anything like that, but I like to think that I can add some value to to consumers. I'm really passionate about making the most of the money you have, no matter how much or how little it is.

[00:16:40]>> And passionate about helping the younger generation, too.

[00:16:43]>> Well, yeah. I I do sit on the board for Extra, which is a not for-profit organization. Um, and essentially a grant-giving organization that um it is a great honor to be able to to help other organizations help their communities in what they need. But their hero product and the team does a brilliant job of this is called Talk Money. Um, and I urge anyone who has a child in school that may not have financial literacy. I mean even though there is no national financial curriculum on financial literacy in schools it is taught in schools. Is it taught in the right subjects? Is it taught across? It all comes down to the school. But talk money is a great free program that over half a million students around Australia has gone through. Um and for me knowledge is power. If we can get the younger generation educated, up to speed, then at least it sets themsself up for the future because let's face it, we're in a world where everybody's trying to sell you something.

[00:17:41]>> Everyone, well, not everyone is scamming you, but scams are bigger than ever.

[00:17:45]>> Tell us about it. Right.

[00:17:46]>> And the pressurees on. Um, the more educated you are, the better.

[00:17:52]>> And that's something that can happen if you've got really financially savvy parents. This is stuff that gets learned around the dinner table. And if unfortunately you're a kid whose parents aren't as you know switched on and as clever as >> another parent don't have the time because they're working it's a generational thing and that gets passed on passed on passed on and it's doesn't get taught in schools. I mean we learn about the economy and we learn about history and but stuff like budgets and how to save and and how to be smart from a young age.

[00:18:21]>> Yeah.

[00:18:21]>> It's stuff you learn from your parents.

[00:18:23]And I often see what keeps most Aussies up at night are really simple things.

[00:18:29]Where does my money go? Budget's always number one. Where does my money go? Um, how do I get to start buying property?

[00:18:36]How do I save for it? And investing is a huge one. I want to start to invest, but I'm not sure where I can go.

[00:18:44]>> And super, I know a lot of people just go, "Oh, how boring." But super interest, have I got the right one? Is it set up properly? Am I making the most of it?

[00:18:57]>> Yeah.

[00:18:58]>> Is it still important to have the kids count coins, you know, in front of them, given that it's a tap and go economy?

[00:19:05]>> Tap and go.

[00:19:06]>> I mean, how important is counting coins?

[00:19:08]>> Look, I think it's important that they know how to count.

[00:19:12]>> Just showing them what money actually is. I think I'm going to I'm going to argue that a little bit, Liz. I'm going to I I reckon because we are in such a digital world now that it's so important that they understand how to man manage their money in a digital world >> because yes, I agree it it they should know coins, understand it and so on, but it's very different when you're working online. But it's interesting, have you seen so many more people now are pulling cash out and using that? Yes. Like just from walking around the world, I've noticed people in shops counting out coins.

[00:19:47]>> Yeah.

[00:19:47]>> To pay for things, it is a budgeting thing because most people know that I've got 200 in my wallet. That's all I can spend. I've got this. So, it goes back to to that um thought. But I think it's really important that younger generation do understand how to handle money online because that's where it's going. How do you track something that you just tap all day? Um how do you set up your buckets online? I mean, you can still do that kind of envelope system online, have your online savers, um, and work exactly in the same way.

[00:20:17]>> Yeah. But it's not a bottomless pit.

[00:20:19]>> Uh, Effie, you've got to let you go.

[00:20:21]You're you're a busy >> I feel like I haven't given you any practical tips in demand. No, we're going to set aside one boring day.

[00:20:28]>> Just say sort everything out.

[00:20:30]>> I would a couple of tips. Um, do try and spend a a weekend just going through all your household bills. Sounds boring, but you can claw back a couple of thousand dollars. And I tell you what, most of us don't make a couple of thousand dollar in an hour. There's number one. So, find out where your money's going. Number two, if you are in a good position, start getting educated about where to put and start investing. We have been so focused on just trying to stay alive, and I get that. But if you have a little bit of cash, if you have something, start investing, automate it. We ne I always like to treat my investments like a subscription because you never miss Netflix or Stan. We always pay those bills. Automate your investments and the same will happen. Um and just even get on to moneysmart.gov.au government website and start reading about what interests you in money.

[00:21:19]>> All right. Fantastic. Thanks for dropping in. Important important talk.

[00:21:22]>> Thanks for talk about your dressing room later.

[00:21:26]>> Is another dressing room and she's really messy if I just say so myself.

[00:21:31]really messy.

[00:21:32]>> Just saying something very similar about you.

[00:21:34]>> Got to go, guys. Best roommate ever.

[00:21:36]>> Get out of here, Eie. Go do some work, will you?

[00:21:40]>> Got to look busy.

[00:21:41]>> Earn some. Get out here and earn some money.

[00:21:43]>> Always be useful.

[00:21:45]>> Thanks so much.

[00:21:46]>> Thanks, Eie.

[00:21:47]>> Please. Honestly, go >> go.

[00:21:50]>> We don't have to kick her out.

[00:21:52]>> She's busy. She had 20 minutes. Busy woman. She had 20 minutes. Get out here.

[00:21:55]Go get her.

[00:21:56]>> Thanks.

[00:21:58]>> She's a woman in demand. Eye Zahos.

[00:22:00]>> She is. Hey. Um, the bad back.

[00:22:03]>> Oh, yeah.

[00:22:03]>> Talk me through it. Come on.

[00:22:05]>> I don't think our viewers are that interested. We've just had Effie Zahos, one of the greatest financial minds in the country. Now, you want to talk about my back?

[00:22:11]>> Okay.

[00:22:11]>> I was down in our garage where there's a few weights. It's not really a gym, but you know, >> and I wasn't even lifting anything. I hadn't even started doing my workout and I just bent over to pick something up >> and couldn't bend >> and my whole back went >> Oh.

[00:22:27]>> And people at home who've done this, you'll know it. I couldn't move.

[00:22:31]>> Yeah.

[00:22:31]>> I couldn't move. I was home alone, >> stuck in the garage. My phone was on the ground. Um I had to wait there for my partner to come home and rescue me. It was like that scene out of um Sex in the City when Miranda gets stuck on the bathroom floor. Although I was closed, >> stuck on the bathroom floor and I was just like >> Anyway, so yes, I've got this electric hot water bottle.

[00:22:57]>> You just plug it in, 5 minutes later, it's warm and it stays warm for ages.

[00:23:02]So, it's kind of helping. This is not medical advice.

[00:23:05]>> I don't know.

[00:23:05]>> No, we can't give financial advice or medical advice. No advice from us. But yeah, I am in a bit of pain. This is not the greatest seat to be sitting on, but um I'm here.

[00:23:16]>> Okay. Well, you you know, your complaint >> pales in comparison to a gentleman I was talking to the other day, >> Brandt Webb, the Beaconsfield mine survivor.

[00:23:28]>> Oh, >> yeah. Trapped underground for 14 days with >> his mining mate >> Todd Russell. 14 days and cooped up together. Yeah. So, think about them listening to >> So, you've gone to speak with them because it's the anniversary.

[00:23:41]>> Yeah. anniversary, 20th anniversary.

[00:23:43]>> 20 years. Gosh, that was so huge at the time.

[00:23:46]>> Massive, wasn't it?

[00:23:47]>> And >> I mean, just and just him reliving the story >> sends um chills down your spine because um >> wow, God, what they endured in a tiny cage cooped up together >> two weeks. Incredible. What a rescue.

[00:24:02]>> Yeah.

[00:24:02]>> What? But sadly um one of them, Larry and I, didn't make it home.

[00:24:06]>> Um but yeah, cracking story that one.

[00:24:08]That's what I've been working on. How about yourself?

[00:24:11]Well, our viewers might remember um a couple of well about a year and a half ago now a beautiful woman by the name of Gemma Jukes.

[00:24:19]>> Yes. Yeah.

[00:24:20]>> And oh, she's was just sunshine on earth. She was in her 30s diagnosed with stage four cancer, no symptoms, nothing >> and had to pay for this extraordinarily expensive drug which was her last lifeline of hope. It was $20,000 a month or something ridiculous. Um anyway, while she was feeling so sick, um she was campaigning for that drug to be put on the PBS. Meanwhile, she sold her pizza shop in the suburb of Glenorian City's Northwest. The whole community rallied around her. A current affair viewers, this was extraordinary. in a couple of weeks raised $260,000 >> for her treatment, >> which was it's something we've we I mean, we see a lot of this on our our program, but that was something else because her story really touched so many people that that love our show.

[00:25:11]>> Sadly, Gemma didn't win that cancer battle. She died 18 months ago. Um, but >> I've been speaking with her family, her brother and sister, ever since. And I've got a story about where all that money will be going. Um because Gemma's always said she was put on this >> on this earth to help people. Sorry, I'm getting a bit teary.

[00:25:32]>> She was put on this earth to help people. And >> now we can tell you guys where all that money went.

[00:25:38]>> Yeah.

[00:25:38]>> Sorry.

[00:25:40]>> This is what happens when you know you get to know people >> um in our job. And I only met Gemma one day, but you just never forget some people. And I'll never forget her. and she was so kind and so lovely and she was feeling like absolute crap the day we went out to shoot a story with her >> and she just soldiered on through because she knew it was so important >> and um >> and yeah I'm so happy we've been able to sort of >> bring you the end the happy ending to this story.

[00:26:10]>> Yeah. Well, she touched you obviously and and but that the amount of money that was raised incredible and good on you know for for tipping in there but >> obviously that M what she rad radiated reached the audience given the amount raised.

[00:26:26]>> Yeah. Because and she was she just had this beautiful beautiful smile >> and she always had hope >> and um I think that's I think a lot of us can get caught up in our little problems that we have >> and it just gives you the perspective and I know it's a cliche but you know just worry about the big stuff.

[00:26:46]>> That's it. That's it. If you don't have hope and your health, what have you got?

[00:26:51]>> You know, so important.

[00:26:53]>> Um, okay. Well, really, >> sorry. I hate to get Terry, Terry, but yeah, but >> these these types of stories. Um, >> no, they affect us. We're humans. We're humans and sometimes stories come along um that that really >> get you. And I'll never forget Gemma.

[00:27:13]>> No, we won't.

[00:27:15]>> Okay. Well, catch up on that story.

[00:27:18]>> Catch up on all of our stories.

[00:27:19]>> And all of our stories on N now YouTube.

[00:27:22]>> Yes. And send us an email ac.com.au if you if there's anything you think we should be covering or looking into. Drop us a line. Yeah. Keep those story tips coming.

[00:27:30]>> You can be anonymous if you want. And someone reads every single one of those emails.

[00:27:34]>> They certainly do. They certainly do.

[00:27:36]>> And um don't be too despondent if we don't get back to you. We do get a lot of emails.

[00:27:40]>> We do.

[00:27:40]>> But we will get around to it. Um okay.

[00:27:43]Take care out there, Lizzy. I'll be back with a better back.

[00:27:46]>> Yeah, better back. Back.

[00:27:48]>> See you later. Bye.